:root{--navy:#062238;--navy2:#0b3454;--gold:#c99a33;--text:#14253a;--muted:#5d6b7a;--bg:#f5f8fb;--card:#fff;--border:#dfe7ef;--max:1180px}
*{box-sizing:border-box}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:var(--bg);line-height:1.65}
a{text-decoration:none;color:inherit}
a:hover{color:var(--gold)}
.header{background:linear-gradient(90deg,var(--navy),var(--navy2));color:#fff}
.header-inner{max-width:var(--max);margin:auto;padding:18px 24px;display:grid;grid-template-columns:320px 1fr auto;gap:30px;align-items:center}
.brand{display:flex;align-items:center;gap:14px;color:#fff}
.brand img{width:58px;height:auto}
.brand strong{display:block;font-size:1.25rem}
.brand span{display:block;opacity:.88}
.nav{display:flex;justify-content:center;gap:28px;flex-wrap:wrap}
.nav a{color:#fff;font-weight:800}
.btn{display:inline-block;background:var(--gold);color:#111;padding:14px 26px;border-radius:10px;font-weight:800}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:64px 24px 72px}
.hero-inner{max-width:var(--max);margin:auto}
.breadcrumb{margin-bottom:24px;color:#dbe8f4;font-weight:700}
.breadcrumb a{color:var(--gold)}
.hero h1{max-width:900px;margin:0 0 24px;color:#fff;font-size:clamp(2.4rem,5vw,4.7rem);line-height:1.08}
.hero p{max-width:900px;color:#eef6fb;font-size:1.18rem}
.main{max-width:var(--max);margin:auto;padding:42px 24px}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:42px;align-items:start}
.card{background:#fff;border:1px solid var(--border);border-radius:16px;padding:26px 30px;margin-bottom:18px;box-shadow:0 10px 28px rgba(6,34,56,.07)}
.card h2,.card h3{margin-top:0;color:var(--navy)}
.section-title{margin:28px 0 18px;padding-top:12px;border-top:3px solid var(--gold);color:var(--navy)}
.sidebar{background:#edf4f8;border:1px solid var(--border);border-radius:18px;padding:26px;position:sticky;top:24px}
.sidebar h2,.sidebar h3{margin-top:0;color:var(--navy)}
.cta{background:linear-gradient(90deg,var(--navy),var(--navy2));color:#fff;border-radius:18px;padding:30px;margin-top:28px}
.cta h2,.cta p{color:#fff}
.footer{background:var(--navy);color:#fff;margin-top:40px}
.footer-inner{max-width:var(--max);margin:auto;padding:34px 24px;display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
.footer a{color:#fff}
.copyright{border-top:1px solid rgba(255,255,255,.18);text-align:center;padding:14px 24px;color:#dbe8f4}
@media(max-width:900px){.header-inner,.layout,.footer-inner{grid-template-columns:1fr}.nav{justify-content:flex-start}.sidebar{position:static}}

  color:#c99a33 !important;
}

.hero-actions{
  display:flex;
  gap:14px;
  flex-wrap:wrap;
  margin-top:24px;
}

.hero-actions .btn{
  width:auto;
  white-space:nowrap;
}

.hero-actions .btn-outline{
  background:transparent;
  border:2px solid #c99a33;
  color:#fff;
}

/* MH composants visuels globaux */
.mh-note{
  border-left:6px solid #256894;
  border-radius:18px;
  padding:22px 24px;
  margin:30px 0;
}
.mh-note h3{margin-top:0}
.mh-blue{background:#eef6fb;border-color:#256894}
.mh-yellow{background:#fff7e6;border-color:#d99b2b}
.mh-red{background:#fff1f1;border-color:#b54747}
.mh-green{background:#edf8f1;border-color:#3f7f5f}

.table-guide{
  width:100%;
  border-collapse:collapse;
  margin:35px 0;
  background:#fff;
  border:2px solid #cfd8e3;
  font-size:16px;
}
.table-guide caption{
  caption-side:top;
  text-align:left;
  font-weight:700;
  color:#153d63;
  margin-bottom:12px;
}
.table-guide th,
.table-guide td{
  border:1px solid #9fb1c3;
  padding:14px;
  vertical-align:top;
  line-height:1.55;
}
.table-guide thead th{
  background:#153d63;
  color:#fff;
}
.table-guide tbody td:nth-child(1){
  background:#eef6fb;
  color:#153d63;
  font-weight:700;
}
.table-guide tbody td:nth-child(2){background:#fff7e6}
.table-guide tbody td:nth-child(3){background:#edf8f1}
.table-guide tbody td:nth-child(4){background:#fff1f1}

.cta{
  text-align:center;
}
.cta .hero-actions{
  display:flex;
  justify-content:center;
  gap:16px;
  flex-wrap:wrap;
  margin-top:22px;
}

@media(max-width:760px){
  .table-guide{font-size:14px}
  .table-guide th,
  .table-guide td{padding:10px}
}

/* CTA uniforme MH Expertise - global */
.cta{
  background:linear-gradient(135deg,#08253b,#123f60) !important;
  color:#fff !important;
  border-radius:28px !important;
  padding:54px 42px !important;
  margin:60px auto 24px !important;
  text-align:center !important;
  display:block !important;
  max-width:1100px !important;
}

.cta h2{
  color:#fff !important;
  font-size:clamp(2rem,4vw,3rem) !important;
  line-height:1.18 !important;
  margin:0 auto 22px !important;
  max-width:900px !important;
  text-align:center !important;
}

.cta p{
  color:#fff !important;
  font-size:clamp(1.1rem,2vw,1.35rem) !important;
  line-height:1.7 !important;
  max-width:850px !important;
  margin:0 auto 30px !important;
  text-align:center !important;
}

.cta .hero-actions{
  display:flex !important;
  justify-content:center !important;
  align-items:center !important;
  gap:16px !important;
  flex-wrap:wrap !important;
  margin-top:26px !important;
}

.cta .btn{
  min-width:260px !important;
  padding:17px 32px !important;
  border-radius:14px !important;
  font-weight:800 !important;
  text-align:center !important;
}

@media(max-width:760px){
  .cta{
    padding:38px 22px !important;
    border-radius:22px !important;
  }

  .cta .btn{
    width:100% !important;
    min-width:0 !important;
  }
}

/* Portail client flottant */
.client-floating{
  position:fixed;
  right:24px;
  bottom:24px;
  z-index:9999;
  background:#153d63;
  color:#fff !important;
  padding:14px 22px;
  border-radius:50px;
  font-weight:800;
  text-decoration:none;
  box-shadow:0 10px 30px rgba(0,0,0,.25);
}
.client-floating:hover{
  background:#256894;
  transform:translateY(-2px);
}
@media(max-width:760px){
  .client-floating{
    right:14px;
    bottom:14px;
    padding:12px 18px;
    font-size:14px;
  }
}