/* valorIQ — feuille de style globale (comparateur financier Afrique) */
:root{
  --navy:#0A2342; --blue:#003366; --blue2:#007FFF; --forest:#006A4E;
  --green:#28A745; --turq:#48D1CC; --orange:#FF7F50; --gold:#FFD700;
  --ink:#1f2937; --muted:#5b6675; --line:#e5eaf0; --bg:#f4f7f9; --white:#fff;
  --radius:14px; --shadow:0 6px 24px rgba(10,35,66,.08); --shadow2:0 2px 8px rgba(10,35,66,.06);
  --maxw:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;
  color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
h1,h2,h3{line-height:1.25;color:var(--navy);margin:.2em 0 .5em}
h1{font-size:2.1rem;font-weight:800;letter-spacing:-.5px}
h2{font-size:1.55rem;font-weight:800;margin-top:1.6em}
h3{font-size:1.2rem;font-weight:700}
p{margin:.6em 0}
/* Header */
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;box-shadow:var(--shadow2)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:62px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;font-weight:800;font-size:1.25rem}
.brand b{color:var(--gold)}
.brand img{width:30px;height:30px;border-radius:7px}
.nav{display:flex;gap:18px;flex-wrap:wrap}
.nav a{color:#dbe6f5;font-size:.95rem;font-weight:600}
.nav a:hover{color:#fff;text-decoration:none}
.flag{font-size:1.1rem}
/* Hero */
.hero{background:linear-gradient(135deg,var(--navy),var(--forest));color:#fff;padding:42px 0 36px}
.hero h1{color:#fff;max-width:880px}
.hero p.lead{color:#dfeaf3;font-size:1.12rem;max-width:780px}
.badges{display:flex;gap:10px;flex-wrap:wrap;margin-top:14px}
.badge{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);
  padding:6px 12px;border-radius:999px;font-size:.85rem;font-weight:600}
.updated{font-size:.85rem;color:#bcd;margin-top:10px}
/* Best-for cards */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;margin:22px 0}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow2)}
.card .lbl{font-size:.78rem;text-transform:uppercase;letter-spacing:.5px;color:var(--forest);font-weight:700}
.card .nm{font-size:1.25rem;font-weight:800;color:var(--navy);margin:.2em 0}
.card .rt{color:var(--orange);font-weight:700}
.card p{font-size:.95rem;color:var(--muted);margin:.4em 0 0}
/* Table */
.tablewrap{overflow-x:auto;border-radius:var(--radius);box-shadow:var(--shadow);margin:18px 0;background:#fff}
table.cmp{width:100%;border-collapse:collapse;min-width:720px;font-size:.95rem}
table.cmp th,table.cmp td{padding:14px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:middle}
table.cmp thead th{background:var(--navy);color:#fff;font-size:.82rem;text-transform:uppercase;letter-spacing:.4px;position:sticky;top:0}
table.cmp tbody tr:hover{background:#f7fafd}
.rank{display:inline-flex;width:26px;height:26px;align-items:center;justify-content:center;
  background:var(--forest);color:#fff;border-radius:50%;font-weight:800;font-size:.85rem}
.brokername{font-weight:800;color:var(--navy)}
.stars{color:var(--orange);font-weight:700;white-space:nowrap}
.cta{display:inline-block;background:var(--green);color:#fff!important;padding:9px 16px;border-radius:10px;
  font-weight:700;font-size:.9rem;text-decoration:none!important;white-space:nowrap;transition:.15s}
.cta:hover{background:#1e7e34;transform:translateY(-1px)}
.cta.alt{background:var(--blue)}
.pill{display:inline-block;background:#eef4fb;color:var(--blue);border-radius:999px;padding:3px 10px;font-size:.8rem;font-weight:600;margin:2px 3px 2px 0}
/* Content */
.content{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow2);padding:26px;margin:20px 0}
.content ul{padding-left:1.2em}
.content li{margin:.35em 0}
.proscons{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:16px 0}
.proscons .box{border-radius:var(--radius);padding:16px 18px}
.pros{background:#eafaf0;border:1px solid #bfe9cd}
.cons{background:#fdecec;border:1px solid #f6c9c9}
.proscons h3{margin-top:0}
.facts{width:100%;border-collapse:collapse;margin:14px 0}
.facts td{padding:10px 12px;border-bottom:1px solid var(--line)}
.facts td:first-child{font-weight:700;color:var(--navy);width:42%}
/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:4px 16px;margin:10px 0;box-shadow:var(--shadow2)}
.faq summary{font-weight:700;color:var(--navy);cursor:pointer;padding:12px 0;font-size:1.05rem}
.faq details[open] summary{color:var(--forest)}
/* Simulator */
.simbox{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.simbox label{display:block;font-weight:700;color:var(--navy);margin:14px 0 6px}
.simbox select,.simbox input{width:100%;padding:12px;border:1px solid var(--line);border-radius:10px;font-size:1rem;font-family:inherit}
.simbox button{margin-top:18px;background:var(--green);color:#fff;border:0;padding:14px 22px;border-radius:10px;font-weight:800;font-size:1.05rem;cursor:pointer;width:100%}
.simbox button:hover{background:#1e7e34}
#simresult{margin-top:18px}
/* Breadcrumb */
.crumb{font-size:.85rem;color:var(--muted);padding:14px 0}
.crumb a{color:var(--muted)}
/* Footer */
.site-footer{background:var(--navy);color:#cdd9e8;margin-top:40px;padding:34px 0 24px;font-size:.92rem}
.site-footer h4{color:#fff;margin:0 0 10px;font-size:.95rem}
.fgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:24px}
.site-footer a{color:#cdd9e8}
.disc{border-top:1px solid rgba(255,255,255,.15);margin-top:22px;padding-top:16px;font-size:.8rem;color:#9fb1c7}
.toc{background:#eef4fb;border-left:4px solid var(--blue);border-radius:8px;padding:14px 18px;margin:18px 0}
.toc a{display:inline-block;margin:3px 10px 3px 0;font-weight:600}
/* CTA box (intégré dans le contenu) */
.ctabox{display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;
  background:linear-gradient(135deg,#eafaf0,#e6f3ff);border:1px solid #bfe9cd;border-radius:var(--radius);
  padding:20px 22px;margin:24px 0;box-shadow:var(--shadow2)}
.ctabox strong{display:block;color:var(--navy);font-size:1.15rem;margin-bottom:4px}
.ctabox span{display:block;color:var(--muted);font-size:.95rem;max-width:560px}
.ctabox .cta{font-size:1rem;padding:13px 22px}
/* Long-form content */
.longform h2{border-bottom:2px solid var(--line);padding-bottom:8px}
.longform h3{color:var(--forest)}
.reviews h3{margin-top:1.4em}
.inline-cta{font-weight:700;color:var(--green)}
.longform ul,.longform ol{padding-left:1.3em}
.longform li{margin:.5em 0}
/* Nav toggle (mobile) */
.navtoggle{display:none;background:transparent;border:0;color:#fff;font-size:1.6rem;cursor:pointer;
  min-width:44px;min-height:44px;line-height:1}
/* Sticky mobile CTA */
.mobilecta{display:none;position:fixed;left:0;right:0;bottom:0;z-index:60;text-align:center;
  background:var(--green);color:#fff!important;font-weight:800;padding:15px;text-decoration:none!important;
  box-shadow:0 -3px 14px rgba(0,0,0,.18);font-size:1.05rem}
.mobilecta:active{background:#1e7e34}
/* ===== MOBILE FIRST ===== */
@media(max-width:760px){
  body{font-size:16px;padding-bottom:64px}        /* place pour la barre CTA collante */
  h1{font-size:1.55rem}h2{font-size:1.28rem}
  .proscons{grid-template-columns:1fr}
  .content{padding:18px}
  .ctabox{flex-direction:column;align-items:flex-start;text-align:left}
  .ctabox .cta{width:100%;text-align:center}
  .navtoggle{display:block}
  .mobilecta{display:block}
  /* Nav repliable */
  .nav{display:none;position:absolute;top:62px;left:0;right:0;background:var(--navy);
    flex-direction:column;gap:0;padding:6px 0;box-shadow:var(--shadow)}
  .nav.open{display:flex}
  .nav a{padding:14px 20px;border-top:1px solid rgba(255,255,255,.08);min-height:44px;display:flex;align-items:center}
  /* Table -> cartes empilées */
  table.cmp{min-width:0;width:100%}
  table.cmp thead{display:none}
  table.cmp,table.cmp tbody,table.cmp tr,table.cmp td{display:block;width:100%}
  table.cmp tr{border:1px solid var(--line);border-radius:12px;margin:0 0 14px;padding:6px 4px;background:#fff}
  table.cmp td{border:0;border-bottom:1px solid var(--line);text-align:right;padding:10px 14px;
    display:flex;justify-content:space-between;align-items:center;gap:12px}
  table.cmp td:last-child{border-bottom:0}
  table.cmp td::before{content:attr(data-label);font-weight:700;color:var(--navy);text-align:left}
  table.cmp td[data-label=""]::before{content:""}
  table.cmp td .cta{width:auto}
  .tablewrap{box-shadow:none;background:transparent;overflow:visible}
  .toc a{display:block;margin:6px 0}
  .cta,.simbox button{min-height:46px}
}
@media(max-width:380px){h1{font-size:1.4rem}}

/* ============ DESIGN PREMIUM (hubs pays, accueil, maillage) ============ */
/* Cartes de service (grille pays/accueil) */
.services{display:grid;grid-template-columns:repeat(auto-fit,minmax(255px,1fr));gap:18px;margin:24px 0}
.svc{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:16px;
  padding:22px 22px 18px;box-shadow:var(--shadow2);transition:transform .18s,box-shadow .18s;
  text-decoration:none;border-top:4px solid var(--forest);position:relative;overflow:hidden}
.svc:hover{transform:translateY(-5px);box-shadow:var(--shadow);text-decoration:none}
.svc .ico{font-size:2rem;line-height:1}
.svc h3{margin:.45em 0 .25em;color:var(--navy);font-size:1.2rem}
.svc p{color:var(--muted);font-size:.94rem;margin:0 0 14px;flex:1}
.svc .acts{display:flex;align-items:center;gap:14px}
.svc .go{display:inline-block;background:var(--green);color:#fff;padding:8px 16px;border-radius:9px;font-weight:700;font-size:.9rem}
.svc .fnd{color:var(--blue);font-weight:700;font-size:.9rem}
.svc:nth-child(7n+1){border-top-color:#2563eb}.svc:nth-child(7n+2){border-top-color:#16a34a}
.svc:nth-child(7n+3){border-top-color:#f59e0b}.svc:nth-child(7n+4){border-top-color:#0ea5e9}
.svc:nth-child(7n+5){border-top-color:#8b5cf6}.svc:nth-child(7n+6){border-top-color:#ec4899}
.svc:nth-child(7n){border-top-color:#ef4444}
/* Stats hero */
.stats{display:flex;flex-wrap:wrap;gap:30px;margin-top:20px}
.stat b{display:block;font-size:1.7rem;color:#fff;font-weight:900;line-height:1.1}
.stat span{color:#bcd;font-size:.82rem}
/* Top picks teaser */
.picks{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:14px;margin:16px 0}
.pick{display:block;background:#fff;border:1px solid var(--line);border-radius:13px;padding:15px 17px;
  box-shadow:var(--shadow2);text-decoration:none;transition:.15s}
.pick:hover{box-shadow:var(--shadow);transform:translateY(-3px);text-decoration:none}
.pick .cat{font-size:.74rem;text-transform:uppercase;letter-spacing:.5px;color:var(--forest);font-weight:800}
.pick .nm{font-weight:800;color:var(--navy);font-size:1.08rem;margin:.2em 0}
.pick .rt{color:var(--orange);font-weight:700;font-size:.9rem}
/* Maillage : autres services (chips) */
.related{display:flex;flex-wrap:wrap;gap:10px;margin:14px 0 4px}
.related a{display:inline-flex;align-items:center;gap:7px;background:#eef4fb;color:var(--blue);
  border:1px solid #d6e6f7;border-radius:999px;padding:9px 15px;font-weight:700;font-size:.92rem;text-decoration:none;transition:.15s}
.related a:hover{background:var(--blue);color:#fff;text-decoration:none}
.section-tag{display:inline-block;background:var(--forest);color:#fff;font-size:.74rem;font-weight:800;
  text-transform:uppercase;letter-spacing:.6px;padding:4px 11px;border-radius:999px;margin-bottom:8px}
@media(max-width:640px){.stats{gap:18px}.stat b{font-size:1.4rem}}

/* ============ V2 : cartes services, CTA flottant, simulateur premium ============ */
.svc .go{margin-top:auto;display:inline-block;color:var(--green);font-weight:800;font-size:.98rem;padding-top:6px}
.svc:hover .go{color:#1e7e34}
/* CTA flottant (desktop) avec halo pulsé */
.fab{position:fixed;right:22px;bottom:24px;z-index:55;display:inline-flex;align-items:center;gap:9px;
  background:linear-gradient(135deg,var(--green),#1e9e54);color:#fff!important;text-decoration:none!important;
  padding:14px 22px;border-radius:999px;font-weight:800;font-size:1rem;box-shadow:0 10px 30px rgba(40,167,69,.4);
  animation:fabpulse 2.2s infinite}
.fab .fico{font-size:1.2rem}
.fab:hover{transform:translateY(-3px) scale(1.04)}
@keyframes fabpulse{0%{box-shadow:0 10px 28px rgba(40,167,69,.4),0 0 0 0 rgba(40,167,69,.45)}
  70%{box-shadow:0 10px 28px rgba(40,167,69,.4),0 0 0 18px rgba(40,167,69,0)}
  100%{box-shadow:0 10px 28px rgba(40,167,69,.4),0 0 0 0 rgba(40,167,69,0)}}
@media(max-width:760px){.fab{display:none}}
/* Pulse sur CTA clés */
.cta.pulse{animation:ctapulse 2.1s infinite}
.cta.pulse:hover{animation:none}
@keyframes ctapulse{0%{box-shadow:0 0 0 0 rgba(40,167,69,.5)}70%{box-shadow:0 0 0 14px rgba(40,167,69,0)}100%{box-shadow:0 0 0 0 rgba(40,167,69,0)}}
/* ===== Simulateur premium ===== */
.simwrap{background:linear-gradient(135deg,#0A2342,#006A4E);border-radius:20px;padding:6px;box-shadow:var(--shadow)}
.simbox{border-radius:16px;margin:0}
.simq{margin:16px 0}
.simq>label{font-weight:800;color:var(--navy);display:block;margin-bottom:10px;font-size:1.02rem}
.opts{display:flex;flex-wrap:wrap;gap:9px}
.opts .opt{flex:1 1 auto;min-width:120px;border:2px solid var(--line);border-radius:12px;padding:11px 14px;
  text-align:center;cursor:pointer;font-weight:700;color:var(--ink);background:#fff;transition:.15s;font-size:.94rem;user-select:none}
.opts .opt:hover{border-color:var(--turq)}
.opts .opt.sel{border-color:var(--green);background:#eafaf0;color:#1e7e34;box-shadow:0 2px 8px rgba(40,167,69,.18)}
.simbtn{margin-top:20px;width:100%;background:linear-gradient(135deg,var(--green),#1e9e54);color:#fff;border:0;
  padding:16px;border-radius:13px;font-weight:800;font-size:1.1rem;cursor:pointer;box-shadow:0 8px 22px rgba(40,167,69,.35);transition:.15s}
.simbtn:hover{transform:translateY(-2px);box-shadow:0 12px 28px rgba(40,167,69,.45)}
.simbtn:active{transform:translateY(0)}
.simloading{text-align:center;padding:36px 12px}
.spinner{width:56px;height:56px;border:5px solid #e5eaf0;border-top-color:var(--green);border-radius:50%;margin:0 auto 16px;animation:spin .8s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.simloading p{font-weight:800;color:var(--navy);font-size:1.08rem;margin:0}
.simloading .bar{height:9px;background:#e9eef4;border-radius:999px;overflow:hidden;max-width:360px;margin:16px auto 0}
.simloading .bar i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--green),var(--turq));animation:fill 1.9s ease forwards}
@keyframes fill{to{width:100%}}
.resgrid{display:grid;gap:13px;margin-top:8px}
.rescard{background:#fff;border:1px solid var(--line);border-radius:16px;padding:16px 18px;box-shadow:var(--shadow2);
  display:flex;align-items:center;gap:15px;flex-wrap:wrap;opacity:0;transform:translateY(16px);animation:reveal .5s ease forwards}
.rescard.top{border:2px solid var(--green);box-shadow:var(--shadow)}
.rescard .medal{font-size:1.9rem;line-height:1}
.rescard .rinfo{flex:1;min-width:150px}
.rescard .rname{font-weight:800;color:var(--navy);font-size:1.22rem}
.rescard .rmeta{color:var(--muted);font-size:.9rem;margin:2px 0 0}
.rescard .why{color:var(--forest);font-size:.86rem;font-weight:600;margin-top:3px}
.rescard .match{display:flex;flex-direction:column;align-items:center;min-width:70px}
.rescard .match b{font-size:1.5rem;color:var(--green);line-height:1}
.rescard .match span{font-size:.66rem;color:var(--muted);text-transform:uppercase;letter-spacing:.5px}
.rescard .cta{white-space:nowrap}
@keyframes reveal{to{opacity:1;transform:none}}
@media(max-width:520px){.rescard .match{min-width:56px}.rescard .rname{font-size:1.1rem}}

/* ============ RTL (arabe) ============ */
[dir="rtl"] body{direction:rtl;text-align:right}
[dir="rtl"] .crumb,[dir="rtl"] .toc{text-align:right}
[dir="rtl"] table.cmp th,[dir="rtl"] table.cmp td,[dir="rtl"] .facts td{text-align:right}
[dir="rtl"] .longform ul,[dir="rtl"] .longform ol{padding-right:1.3em;padding-left:0}
[dir="rtl"] .content ul{padding-right:1.2em;padding-left:0}
[dir="rtl"] .fab{right:auto;left:22px}
[dir="rtl"] .rescard{flex-direction:row-reverse}
[dir="rtl"] .svc .go::after{content:""}
[dir="rtl"] .hero .crumb a{direction:rtl}
[dir="rtl"] table.cmp td::before{text-align:right}
[dir="rtl"] .proscons,[dir="rtl"] .cards,[dir="rtl"] .services,[dir="rtl"] .picks{direction:rtl}
@media(max-width:760px){[dir="rtl"] table.cmp td{flex-direction:row-reverse}}