@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;500;600&family=DM+Sans:wght@300;400;500&display=swap');

*,
*::before,
*::after { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'DM Sans', sans-serif;
  color: var(--text);
  background: var(--white);
  overflow-x: hidden;
  line-height: 1.6;
}

img { max-width: 100%; display: block; }
a   { text-decoration: none; color: inherit; }
ul  { list-style: none; }


/* ─────────────────────────────────────────────────────────────
   2. VARIABLES CSS
───────────────────────────────────────────────────────────── */
:root {
  --navy:       #0d1f3c;
  --navy-light: #162d54;
  --gold:       #c9a84c;
  --gold-light: #e8c97a;
  --gold-pale:  #f7f0df;
  --white:      #ffffff;
  --off-white:  #f8f7f4;
  --gray-200:   #e0ddd7;
  --gray-400:   #9e9b94;
  --gray-600:   #5c5a55;
  --gray-800:   #2e2c29;
  --text:       #1a1a1a;
  --text-muted: #6b6860;
  --radius-sm:  6px;
  --radius-md:  12px;
  --radius-lg:  20px;
  --radius-xl:  32px;
  --shadow-sm:  0 2px 8px rgba(13,31,60,.08);
  --shadow-md:  0 8px 32px rgba(13,31,60,.12);
  --shadow-lg:  0 24px 64px rgba(13,31,60,.18);
  --transition: .3s cubic-bezier(.4,0,.2,1);
}


/* ─────────────────────────────────────────────────────────────
   3. TYPOGRAPHY
───────────────────────────────────────────────────────────── */
h1, h2, h3, h4 {
  font-family: 'Playfair Display', serif;
  line-height: 1.2;
  color: inherit;
}
h1 { font-size: clamp(2.2rem, 5vw, 3.4rem); font-weight: 500; }
h2 { font-size: clamp(1.7rem, 3.5vw, 2.4rem); font-weight: 500; }
h3 { font-size: 1.2rem; font-weight: 500; }
h4 { font-size: 1rem;   font-weight: 500; }
p  { font-size: .95rem; line-height: 1.75; color: var(--text-muted); }

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: .7rem;
  font-weight: 500;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}
.section-tag::before {
  content: '';
  display: block;
  width: 22px;
  height: 1.5px;
  background: var(--gold);
}

.section h2          { margin-bottom: 18px; }
.section > .container > *:not(:last-child) { margin-bottom: 40px; }


/* ─────────────────────────────────────────────────────────────
   4. BUTTONS
───────────────────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: 'DM Sans', sans-serif;
  font-size: .875rem;
  font-weight: 500;
  padding: 13px 26px;
  border-radius: var(--radius-md);
  border: none;
  cursor: pointer;
  transition: var(--transition);
  white-space: nowrap;
  text-decoration: none;
}
.btn-primary         { background: var(--gold);        color: var(--navy);  }
.btn-primary:hover   { background: var(--gold-light);  transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-outline         { background: transparent;         color: var(--white); border: 1.5px solid rgba(255,255,255,.4); }
.btn-outline:hover   { border-color: var(--gold);       color: var(--gold);  }
.btn-navy            { background: var(--navy);         color: var(--white); }
.btn-navy:hover      { background: var(--navy-light);   transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-lg              { padding: 15px 32px; font-size: .95rem; }

.cta-btns { display: flex; gap: 16px; flex-wrap: wrap; }

button:disabled { opacity: .6; cursor: not-allowed; }


/* ─────────────────────────────────────────────────────────────
   5. LAYOUT HELPERS
───────────────────────────────────────────────────────────── */
.container  { max-width: 1140px; margin: 0 auto; padding: 0 28px; width: 100%; box-sizing: border-box; }
.section    { padding: 88px 0; }
.section-sm { padding: 60px 0; }


/* ─────────────────────────────────────────────────────────────
   6. NAVBAR & MOBILE MENU
───────────────────────────────────────────────────────────── */
#navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  padding: 18px 0;
  background: rgba(13,31,60,.96);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(255,255,255,.06);
  transition: var(--transition);
}
#navbar.scrolled {
  padding: 12px 0;
  background: rgba(13,31,60,1);
  box-shadow: 0 4px 32px rgba(0,0,0,.3);
}

.nav-inner { display: flex; align-items: center; justify-content: space-between; }

.nav-logo {
  font-family: 'Playfair Display', serif;
  font-size: 1.45rem;
  font-weight: 600;
  color: var(--white);
  letter-spacing: -.5px;
  text-decoration: none;
}
.nav-logo span { color: var(--gold); }

.nav-links             { display: flex; align-items: center; gap: 32px; }
.nav-links a           { font-size: .85rem; color: rgba(255,255,255,.78); transition: color var(--transition); position: relative; text-decoration: none; }
.nav-links a::after    { content: ''; position: absolute; bottom: -4px; left: 0; right: 0; height: 1.5px; background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform var(--transition); }
.nav-links a:hover,
.nav-links a.active    { color: var(--white); font-weight: 500; }
.nav-links a:hover::after,
.nav-links a.active::after { transform: scaleX(1); }

.nav-right { display: flex; align-items: center; gap: 16px; }
.nav-tel   { font-size: .78rem; color: rgba(255,255,255,.55); display: flex; align-items: center; gap: 6px; }

.hamburger       { display: none; flex-direction: column; gap: 5px; cursor: pointer; background: none; border: none; padding: 4px; }
.hamburger span  { display: block; width: 22px; height: 1.5px; background: var(--white); transition: var(--transition); }

.mobile-menu {
  display: none; position: fixed; inset: 0; z-index: 999;
  background: var(--navy); flex-direction: column;
  align-items: center; justify-content: center; gap: 28px;
}
.mobile-menu.open  { display: flex; }
.mobile-menu a     { font-size: 1.4rem; color: var(--white); font-family: 'Playfair Display', serif; text-decoration: none; }
.mobile-menu a:hover { color: var(--gold); }
.mobile-close      { position: absolute; top: 22px; right: 28px; background: none; border: none; color: var(--white); font-size: 1.5rem; cursor: pointer; }


/* ─────────────────────────────────────────────────────────────
   7. HERO SECTION
───────────────────────────────────────────────────────────── */

.hero {
  min-height: 100vh;
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: center;
  background: var(--navy);
}
.hero-bg          { position: absolute; inset: 0; z-index: 0; }
.hero-bg img      { width: 100%; height: 100%; object-fit: cover; opacity: .2; }
.hero-bg::after   { content: ''; position: absolute; inset: 0; background: linear-gradient(130deg, rgba(13,31,60,.97) 35%, rgba(13,31,60,.55) 100%); }

.hero-pattern {
  position: absolute; inset: 0; z-index: 1; pointer-events: none; opacity: .035;
  background-image:
    repeating-linear-gradient(0deg, transparent, transparent 60px, var(--gold) 60px, var(--gold) 61px),
    repeating-linear-gradient(90deg, transparent, transparent 60px, var(--gold) 60px, var(--gold) 61px);
}
.hero-inner {
  position: relative; z-index: 2;
  display: grid; grid-template-columns: 1fr 410px;
  gap: 56px; align-items: center; padding: 130px 0 80px;
}

.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(201,168,76,.15); border: 1px solid rgba(201,168,76,.3);
  color: var(--gold-light); font-size: .72rem; font-weight: 500; letter-spacing: 1px;
  padding: 6px 14px; border-radius: 99px; margin-bottom: 22px; text-transform: uppercase;
}
.badge-dot { width: 7px; height: 7px; border-radius: 50%; background: #22c55e; animation: blink 2s infinite; }
@keyframes blink { 0%,100%{opacity:1} 50%{opacity:.35} }

.hero h1       { color: #ffffff ; margin-bottom: 18px; }
.hero h1 em    { font-style: normal; color: var(--gold); }
.hero-sub      { color: rgba(255,255,255,.65) !important; font-size: 1rem; margin-bottom: 32px; max-width: 510px; }
.hero-btns     { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 40px; }

.hero-trust {
  display: flex; align-items: center; gap: 20px;
  padding-top: 24px; border-top: 1px solid rgba(255,255,255,.1);
}
.trust-item    { display: flex; flex-direction: column; }
.trust-num     { font-family: 'Playfair Display', serif; font-size: 1.4rem; font-weight: 600; color: var(--gold); }
.trust-label   { font-size: .72rem; color: rgba(255,255,255,.5); }
.trust-divider { width: 1px; height: 32px; background: rgba(255,255,255,.15); }

/* Loan calculator card */
.hero-card        { background: var(--white); border-radius: var(--radius-xl); padding: 32px 28px; box-shadow: var(--shadow-lg); }
.hero-card-title  { font-family: 'Playfair Display', serif; font-size: 1.15rem; font-weight: 500; color: var(--navy) !important; margin-bottom: 4px; }
.hero-card-sub    { font-size: .78rem; color: var(--text-muted); margin-bottom: 22px; }
.calc-field       { margin-bottom: 16px; }
.calc-label       { display: flex; justify-content: space-between; align-items: center; font-size: .78rem; color: var(--gray-600); margin-bottom: 7px; }
.calc-val         { font-weight: 500; color: var(--navy); font-size: .82rem; }

input[type=range] {
  width: 100%; appearance: none; -webkit-appearance: none;
  height: 4px; border-radius: 99px; outline: none; cursor: pointer;
  background: linear-gradient(to right, var(--gold) 0%, var(--gold) var(--pct,33%), var(--gray-200) var(--pct,33%), var(--gray-200) 100%);
}
input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 17px; height: 17px; border-radius: 50%;
  background: var(--navy); border: 3px solid var(--gold); cursor: pointer; transition: transform .15s;
}
input[type=range]::-webkit-slider-thumb:hover { transform: scale(1.2); }

.calc-result  { background: var(--navy); border-radius: var(--radius-md); padding: 18px; display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 18px; }
.r-label      { font-size: .68rem; color: rgba(255,255,255,.5); margin-bottom: 3px; }
.r-val        { font-family: 'Playfair Display', serif; font-size: 1.4rem; color: var(--gold); }
.calc-taeg    { font-size: .68rem; color: var(--text-muted); margin-top: 9px; text-align: center; }
.calc-submit  {
  width: 100%; margin-top: 14px; background: var(--gold); color: var(--navy);
  font-family: 'DM Sans', sans-serif; font-size: .875rem; font-weight: 500;
  padding: 13px; border-radius: var(--radius-md); border: none; cursor: pointer;
  transition: var(--transition); display: flex; align-items: center; justify-content: center; gap: 8px;
}
.calc-submit:hover { background: var(--gold-light); transform: translateY(-1px); }


/* ─────────────────────────────────────────────────────────────
   8. TRUST BAND
───────────────────────────────────────────────────────────── */
.trust-band         { background: var(--off-white); border-top: 1px solid var(--gray-200); border-bottom: 1px solid var(--gray-200); padding: 26px 0; }
.trust-band-inner   { display: flex; align-items: center; justify-content: center; gap: 40px; flex-wrap: wrap; }
.trust-band-item    { display: flex; align-items: center; gap: 10px; font-size: .8rem; color: var(--gray-600); font-weight: 500; }
.trust-icon         { width: 34px; height: 34px; border-radius: 50%; background: var(--navy); color: var(--gold); display: flex; align-items: center; justify-content: center; font-size: 15px; }


/* ─────────────────────────────────────────────────────────────
   9. ABOUT STRIP
───────────────────────────────────────────────────────────── */
.about-strip        { display: grid; grid-template-columns: repeat(2,1fr); gap: 72px; align-items: center; }
.about-img-wrap     { position: relative; }
.about-img-main     { border-radius: var(--radius-xl); overflow: hidden; aspect-ratio: 4/5; box-shadow: var(--shadow-lg); }
.about-img-main img { width: 100%; height: 100%; object-fit: cover; }

.about-img-badge {
  position: absolute; bottom: 28px; right: -20px;
  background: var(--white); border-radius: var(--radius-lg);
  padding: 16px 20px; box-shadow: var(--shadow-md);
  display: flex; align-items: center; gap: 12px;
}
.badge-icon-wrap       { width: 44px; height: 44px; border-radius: 50%; background: var(--gold-pale); display: flex; align-items: center; justify-content: center; font-size: 20px; }
.badge-text strong     { display: block; font-size: 1.1rem; color: var(--navy); font-family: 'Playfair Display', serif; }
.badge-text span       { font-size: .72rem; color: var(--text-muted); }

.about-content h2      { color: var(--navy); margin-bottom: 16px; }
.about-content p       { margin-bottom: 16px; }
.about-feat            { display: flex; align-items: flex-start; gap: 14px; padding: 14px 0; border-bottom: 1px solid var(--gray-200); }
.about-feat:last-child { border-bottom: none; }
.feat-icon             { width: 38px; height: 38px; border-radius: var(--radius-sm); background: var(--gold-pale); color: var(--gold); display: flex; align-items: center; justify-content: center; font-size: 17px; flex-shrink: 0; }
.feat-text h4          { color: var(--navy); margin-bottom: 3px; }
.feat-text p           { font-size: .82rem; margin-bottom: 0; }

/* À propos page grids */
.stats-grid  { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
.values-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 30px; margin-top: 50px; }
.values-grid .fade-up { padding: 32px !important; }
.team-grid   { display: grid; grid-template-columns: repeat(4,1fr); gap: 22px; }


/* ─────────────────────────────────────────────────────────────
   10. SERVICES GRID
───────────────────────────────────────────────────────────── */
.services-section { background: var(--off-white); }
.services-grid    { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }

.svc-card            { background: var(--white); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-sm); transition: var(--transition); display: flex; flex-direction: column; }
.svc-card:hover      { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.svc-card-img        { height: 195px; overflow: hidden; position: relative; }
.svc-card-img img    { width: 100%; height: 100%; object-fit: cover; transition: transform .5s; }
.svc-card:hover .svc-card-img img { transform: scale(1.06); }
.svc-card-overlay    { position: absolute; inset: 0; background: linear-gradient(to bottom, transparent 45%, rgba(13,31,60,.65) 100%); }
.svc-card-icon       { position: absolute; bottom: 14px; left: 18px; width: 40px; height: 40px; border-radius: var(--radius-sm); background: var(--gold); color: var(--navy); display: flex; align-items: center; justify-content: center; font-size: 18px; }
.svc-card-body       { padding: 22px; flex: 1; display: flex; flex-direction: column; }
.svc-card-body h3    { color: var(--navy) !important; margin-bottom: 8px; }
.svc-card-body p     { font-size: .85rem; margin-bottom: 16px; flex: 1; }
.svc-card-link       { display: inline-flex; align-items: center; gap: 6px; font-size: .82rem; font-weight: 500; color: var(--gold); transition: gap var(--transition); }
.svc-card:hover .svc-card-link { gap: 10px; }


/* ─────────────────────────────────────────────────────────────
   11. PROCESS STEPS
───────────────────────────────────────────────────────────── */
.process-section   { background: var(--navy); }
.process-head      { text-align: center; margin-bottom: 60px; }
.process-head h2   { color: var(--white) !important; margin-bottom: 10px; }
.process-head p    { color: rgba(255,255,255,.5); max-width: 440px; margin: 0 auto; }

.steps-grid        { display: grid; grid-template-columns: repeat(4,1fr); gap: 0; position: relative; }
.steps-grid::before {
  content: ''; position: absolute; top: 34px; left: 12%; right: 12%; height: 1px;
  background: linear-gradient(to right, var(--gold), rgba(201,168,76,.15));
}
.step-card               { text-align: center; padding: 0 16px; }
.step-num                { width: 68px; height: 68px; border-radius: 50%; background: var(--navy); border: 2px solid var(--gold); color: var(--gold); font-family: 'Playfair Display', serif; font-size: 1.4rem; font-weight: 600; display: flex; align-items: center; justify-content: center; margin: 0 auto 20px; position: relative; z-index: 1; transition: var(--transition); }
.step-card:hover .step-num { background: var(--gold); color: var(--navy); }
.step-card h4            { color: var(--white) !important; margin-bottom: 8px; }
.step-card p             { font-size: .82rem; color: rgba(255,255,255,.48); }


/* ─────────────────────────────────────────────────────────────
   12. TESTIMONIALS
───────────────────────────────────────────────────────────── */
.testi-grid        { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }
.testi-card        { background: var(--off-white); border-radius: var(--radius-lg); padding: 28px; border: 1px solid var(--gray-200); transition: var(--transition); }
.testi-card:hover  { border-color: var(--gold); background: var(--white); box-shadow: var(--shadow-md); }
.testi-stars       { color: var(--gold); font-size: .85rem; margin-bottom: 14px; letter-spacing: 2px; }
.testi-text        { font-size: .875rem; color: var(--gray-600); line-height: 1.75; margin-bottom: 20px; font-style: italic; }
.testi-author      { display: flex; align-items: center; gap: 11px; }
.testi-avatar      { width: 42px; height: 42px; border-radius: 50%; overflow: hidden; border: 2px solid var(--gold); flex-shrink: 0; }
.testi-avatar img  { width: 100%; height: 100%; object-fit: cover; }
.testi-name        { font-size: .875rem; font-weight: 500; color: var(--navy); }
.testi-role        { font-size: .72rem; color: var(--text-muted); }

/* Testimonial spotlight (kredit pages) */
.testimonial-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }


/* ─────────────────────────────────────────────────────────────
   13. CTA SECTION
───────────────────────────────────────────────────────────── */
.cta-section      { background: var(--gold-pale); border-top: 1px solid var(--gray-200); border-bottom: 1px solid var(--gray-200); }
.cta-inner        { display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 40px; }
.cta-inner h2     { color: var(--navy) !important; margin-bottom: 8px; }


/* ─────────────────────────────────────────────────────────────
   14. PARTNERS
───────────────────────────────────────────────────────────── */
.partners-section  { background: var(--white); padding: 48px 0; }
.partners-label    { text-align: center; font-size: .7rem; color: var(--gray-400); letter-spacing: 2px; text-transform: uppercase; margin-bottom: 28px; }
.partners-logos    { display: flex; align-items: center; justify-content: center; gap: 44px; flex-wrap: wrap; }
.partner-logo      { font-family: 'Playfair Display', serif; font-size: 1rem; font-weight: 600; color: var(--gray-200); transition: color var(--transition); }
.partner-logo:hover { color: var(--gray-400); }


/* ─────────────────────────────────────────────────────────────
   15. FOOTER
───────────────────────────────────────────────────────────── */
footer             { background: var(--navy); padding: 64px 0 0; }
.footer-grid       { display: grid; grid-template-columns: 2fr 1fr 1fr 1.2fr; gap: 44px; margin-bottom: 48px; }
.footer-brand      { font-family: 'Playfair Display', serif; font-size: 1.4rem; font-weight: 600; color: var(--white); margin-bottom: 12px; display: block; }
.footer-brand span { color: var(--gold); }
.footer-desc       { font-size: .82rem; color: rgba(255,255,255,.4); line-height: 1.75; margin-bottom: 22px; }
.footer-col h5     { font-size: .68rem; font-weight: 500; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); margin-bottom: 18px; }
.footer-col ul li  { margin-bottom: 10px; }
.footer-col ul li a { font-size: .84rem; color: rgba(255,255,255,.48); transition: color var(--transition); }
.footer-col ul li a:hover { color: var(--white); }
.footer-contact-item { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 12px; font-size: .84rem; color: rgba(255,255,255,.48); }
.footer-contact-item strong { color: rgba(255,255,255,.75); display: block; margin-bottom: 2px; font-size: .84rem; }
.footer-contact-icon { color: var(--gold); font-size: 15px; margin-top: 2px; flex-shrink: 0; }

.newsletter-form         { display: flex; gap: 8px; margin-top: 10px; }
.newsletter-form input   { flex: 1; padding: 10px 12px; border-radius: var(--radius-sm); border: 1px solid rgba(255,255,255,.15); background: rgba(255,255,255,.07); color: var(--white); font-family: 'DM Sans', sans-serif; font-size: .82rem; outline: none; }
.newsletter-form input::placeholder { color: rgba(255,255,255,.28); }
.newsletter-form input:focus { border-color: var(--gold); }
.newsletter-form button  { padding: 10px 14px; background: var(--gold); color: var(--navy); border: none; border-radius: var(--radius-sm); cursor: pointer; font-weight: 500; font-size: .82rem; transition: var(--transition); }
.newsletter-form button:hover { background: var(--gold-light); }

.footer-bottom     { border-top: 1px solid rgba(255,255,255,.07); padding: 22px 0; display: flex; align-items: center; justify-content: space-between; }
.footer-bottom p   { font-size: .78rem; color: rgba(255,255,255,.3); }
.footer-bottom-links { display: flex; gap: 22px; }
.footer-bottom-links a { font-size: .78rem; color: rgba(255,255,255,.3); transition: color var(--transition); }
.footer-bottom-links a:hover { color: var(--gold); }


/* ─────────────────────────────────────────────────────────────
   16. PAGE HERO (inner pages)
───────────────────────────────────────────────────────────── */
.page-hero { background: var(--navy); padding: 140px 0 72px; position: relative; overflow: hidden; }
.page-hero::before {
  content: ''; position: absolute; inset: 0; opacity: .07;
  background-image:
    repeating-linear-gradient(0deg,transparent,transparent 60px,var(--gold) 60px,var(--gold) 61px),
    repeating-linear-gradient(90deg,transparent,transparent 60px,var(--gold) 60px,var(--gold) 61px);
}
.page-hero .container   { position: relative; z-index: 1; }
.page-hero h1           { color: var(--white) !important; margin-bottom: 14px; }
.page-hero p            { color: rgba(255,255,255,.6) !important; font-size: 1rem; max-width: 520px; }
.page-hero-center       { text-align: center; }
.page-hero-center p     { margin: 0 auto; }


/* ─────────────────────────────────────────────────────────────
   17. FORMS (global)
───────────────────────────────────────────────────────────── */
.form-group    { margin-bottom: 20px; }
.form-label    { display: block; font-size: .8rem; font-weight: 400; margin-bottom: 6px; color: var(--text); }

.form-input,
.form-select,
.form-textarea {
  width: 100%; padding: 12px 14px;
  border: 1px solid var(--gray-200); border-radius: var(--radius-sm);
  font-family: 'DM Sans', sans-serif; font-size: .9rem;
  transition: var(--transition); background: var(--white);
  color: var(--text);
}
.form-wrapper{
   width:100%;
   max-width:700px;
   margin:auto;
}
.form-input:focus,
.form-select:focus,
.form-textarea:focus,
input:focus,
textarea:focus,
select:focus {
  border-color: var(--gold) !important;
  box-shadow: 0 0 0 3px rgba(201,168,76,.15);
  outline: none;
}
.form-textarea { min-height: 120px; resize: vertical; }
.form-row      { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.form-wrapper-main{
    background:var(--white);
    border-radius:var(--radius-xl);
    padding:30px;
    box-shadow:var(--shadow-md);
    border:1px solid var(--gray-200);

    width:100%;
    max-width:700px;
    margin:auto;
}

/* GRID CREDIT */
.kredit-grid{
    display:grid;
    grid-template-columns:repeat(3,1fr);
    gap:10px;
}

/* MOBILE */
@media (max-width:768px){

    .form-wrapper-main{
        padding:20px;
        border-radius:20px;
    }

    .kredit-grid{
        grid-template-columns:1fr 1fr;
    }

    .form-step{
        padding:18px !important;
    }

    .btn{
        width:100%;
        justify-content:center;
    }

    .step-buttons{
        flex-direction:column;
        gap:12px;
    }

}

/* PETITS TELEPHONES */
@media (max-width:520px){

    .form-wrapper-main{
        padding:16px;
    }

    .kredit-grid{
        grid-template-columns:1fr;
    }

    .form-row{
        grid-template-columns:1fr !important;
    }

    .btn{
        width:100%;
    }

    h2{
        font-size:1.3rem !important;
    }

}    
.step-buttons{
    display:flex;
    gap:20px;
    margin-top:20px;
}

.step-buttons .btn{
    flex:1;
}


/* ─────────────────────────────────────────────────────────────
   18. STEP INDICATOR
───────────────────────────────────────────────────────────── */
.step-indicator { display: flex; align-items: center; justify-content: center; margin-bottom: 20px; }

.step-dot {
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--gray-200);
  display: flex; align-items: center; justify-content: center;
  font-weight: 500; color: var(--text-muted); transition: var(--transition);
}
.step-dot.active { background: var(--gold); color: var(--navy); }
.step-dot.done   { background: #22c55e; color: white; }

.step-line      { flex: 1; height: 2px; background: var(--gray-200); margin: 0 8px; }
.step-line.done { background: #22c55e; }

/* Step animations */
#step1, #step2, #step3, #step4 { animation: fade .3s ease; }
@keyframes fade {
  from { opacity: 0; transform: translateY(10px); }
  to   { opacity: 1; transform: translateY(0); }
}


/* ─────────────────────────────────────────────────────────────
   19. KREDIT OPTIONS (demande.php)
───────────────────────────────────────────────────────────── */
.kredit-grid   { display: grid; grid-template-columns: repeat(3,1fr); gap: 10px; margin-bottom: 24px; }

.kredit-option {
  border: 1.5px solid var(--gray-200); border-radius: var(--radius-md);
  padding: 14px 12px; text-align: center;
  transition: var(--transition); cursor: pointer; background: var(--white);
}
.kredit-option:hover { border-color: var(--gold) !important; transform: translateY(-3px); box-shadow: var(--shadow-sm); }

/* Checkboxes */
.checkbox-group       { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 14px; }
.checkbox-group input { margin-top: 3px; accent-color: var(--gold); width: 16px; height: 16px; cursor: pointer; flex-shrink: 0; }
.checkbox-group label { font-size: .82rem; color: var(--gray-800); line-height: 1.6; cursor: pointer; }

/* Feature grid (kredit detail) */
.feature-grid  { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 40px; }

/* Quick stats (kredit detail) */
.quick-stats   { display: grid; grid-template-columns: repeat(4,1fr); gap: 0; }

/* Service layout (kredit detail) */
.service-layout { display: grid; grid-template-columns: 1.2fr .8fr; gap: 40px; align-items: start; }
.sticky-card    { position: sticky; top: 100px; }


/* ─────────────────────────────────────────────────────────────
   20. CONTACT PAGE
───────────────────────────────────────────────────────────── */
.contact-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 64px; align-items: start; }
.contact-grid > div { display: flex; flex-direction: column; gap: 18px; }

.contact-card {
  display: flex; align-items: flex-start; gap: 16px;
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: 16px; padding: 20px; margin-bottom: 14px;
  transition: var(--transition);
}
.contact-card:hover { border-color: var(--gold); transform: translateY(-4px); box-shadow: var(--shadow-sm); }

.contact-card-icon {
  width: 48px; height: 48px; min-width: 48px; border-radius: 50%;
  background: var(--gold-pale); color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 18px; flex-shrink: 0;
}
.contact-card-title { font-size: .75rem; text-transform: uppercase; letter-spacing: 1.5px; color: var(--gold); font-weight: 500; margin-bottom: 4px; }
.contact-card-text  { font-size: .9rem; color: var(--gray-800); line-height: 1.6; }

.contact-image { margin-top: 28px; border-radius: 24px; overflow: hidden; height: 200px; box-shadow: var(--shadow-sm); }
.contact-image img { width: 100%; height: 100%; object-fit: cover; border-radius: 24px; display: block; }

.contact-form { background: var(--white); border-radius: var(--radius-xl); padding: 40px; border: 1px solid var(--gray-200); box-shadow: var(--shadow-md); }


/* ─────────────────────────────────────────────────────────────
   21. MERCI PAGE
───────────────────────────────────────────────────────────── */
.thank-box   { }
.thank-title { }
.thank-icon  { }


/* ─────────────────────────────────────────────────────────────
   22. ANIMATIONS
───────────────────────────────────────────────────────────── */
.fade-up         { opacity: 0; transform: translateY(28px); transition: opacity .65s ease, transform .65s ease; }
.fade-up.visible { opacity: 1; transform: translateY(0); }


/* ─────────────────────────────────────────────────────────────
   23. RESPONSIVE — TABLET ≤1024px
───────────────────────────────────────────────────────────── */
@media (max-width: 1024px) {
   .hero{
    min-height:auto;
    padding:120px 0 60px;
  }

  .hero-inner{
    grid-template-columns:1fr;
    gap:40px;
    max-width:100%;
    padding:0;
  }

  .hero-card{
    display:block;
    width:100%;
    max-width:100%;
    padding:24px 20px;
    margin:0 auto;
  }
  .about-strip   { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: repeat(2,1fr); }
  .steps-grid    { grid-template-columns: repeat(2,1fr); gap: 36px; }
  .steps-grid::before { display: none; }
  .testi-grid    { grid-template-columns: repeat(2,1fr); }
  .footer-grid   { grid-template-columns: 1fr 1fr; }
  .cta-inner     { grid-template-columns: 1fr; }
}

@media (max-width: 992px) {
  .values-grid      { grid-template-columns: repeat(2,1fr); }
  .team-grid        { grid-template-columns: repeat(2,1fr); }
  .contact-grid     { grid-template-columns: 1fr; gap: 32px; }
  .service-layout   { grid-template-columns: 1fr; gap: 32px; }
  .service-layout > div:last-child { position: relative !important; top: auto !important; }
  .sticky-card      { position: relative; top: auto; }
  .testimonial-grid { grid-template-columns: 1fr; gap: 32px; text-align: center; }
  .testimonial-grid > div:last-child { display: flex; flex-direction: column; align-items: center; }
  .testimonial-grid img { width: 100%; }
}


/* ─────────────────────────────────────────────────────────────
   24. RESPONSIVE — MOBILE ≤768px
───────────────────────────────────────────────────────────── */
@media (max-width: 768px) {
  /* Nav */
  .nav-links, .nav-tel { display: none; }
  .hamburger { display: flex; }

  /* Grids → single column */
  .services-grid,
  .testi-grid,
  .steps-grid,
  .testimonial-grid { grid-template-columns: 1fr; }

  /* About */
  .about-strip    { grid-template-columns: 1fr; }
  .about-img-badge { right: 0; }
  .stats-grid     { grid-template-columns: 1fr; }

  /* Layout */
  .footer-grid    { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom  { flex-direction: column; gap: 10px; text-align: center; }
  .cta-inner      { grid-template-columns: 1fr; }
  .form-row       { grid-template-columns: 1fr !important; }

  /* Service detail */
  .service-layout { display: flex; flex-direction: column; gap: 32px; }
  .sticky-card    { margin-top: 10px; }

  /* Quick stats */
  .quick-stats         { grid-template-columns: repeat(2,1fr); }
  .stats-four-grid {
   display:grid;
   grid-template-columns:repeat(4,1fr);
grid-template-columns: 1fr 1fr !important; }

  /* Demande form */
  .kredit-grid { grid-template-columns: 1fr 1fr; }
  h2           { font-size: 1.3rem !important; }
  h3           { font-size: 1rem !important;   }

  /* Form steps */
  .step-buttons             { flex-direction: column; }
  .step-buttons button      { width: 100%; }

  /* Merci page */
  .thank-box   { padding: 25px !important; margin: 20px; }
  .thank-title { font-size: 22px !important; }
  .thank-icon  { width: 70px !important; height: 70px !important; }
}


/* ─────────────────────────────────────────────────────────────
   25. RESPONSIVE — SMALL MOBILE ≤600px / ≤520px
───────────────────────────────────────────────────────────── */
@media (max-width: 600px) {
  .values-grid  { grid-template-columns: 1fr; }
  .team-grid    { grid-template-columns: 1fr; }
  .cta-btns     { flex-direction: column; width: 100%; }
  .cta-btns a   { width: 100%; text-align: center; }
}

@media (max-width: 520px) {
  .container  { padding-left: 18px; padding-right: 18px; }
  .section    { padding: 60px 0; }

  h1          { font-size: 2rem !important; line-height: 1.2; }
  .btn,
  .btn-lg     { width: 100%; justify-content: center; }

  .kredit-grid { grid-template-columns: 1fr; }
  .quick-stats { grid-template-columns: 1fr; }

  .step-dot { width: 32px; height: 32px; font-size: .8rem; }

  #stepLabel1, #stepLabel2,
  #stepLabel3, #stepLabel4 { font-size: .62rem !important; }

  #step1 div[style*="text-align:right"],
  #step2 div[style*="justify-content:space-between"],
  #step3 div[style*="justify-content:space-between"],
  #step4 div[style*="justify-content:space-between"] { flex-direction: column; gap: 12px; }

  .form-step  { padding: 16px !important; }
  .kredit-option { padding: 10px !important; font-size: 12px; }
  .feature-grid  { grid-template-columns: 1fr; }
}
@media (max-width: 768px){

  .hero-trust{
    flex-wrap:wrap;
    gap:14px;
  }

  .hero-btns{
    flex-direction:column;
  }

  .hero-btns .btn{
    width:100%;
    justify-content:center;
  }

  .calc-result{
    grid-template-columns:1fr;
  }

}
.container{
  width:100%;
  max-width:1200px;
  margin:0 auto;
  padding:0 20px;
  box-sizing:border-box;
}
*{
  box-sizing:border-box;
}
@media (max-width:768px){

  .hero-trust{
    flex-wrap:wrap;
    gap:14px;
  }

  .trust-divider{
    display:none;
  }

  .calc-result{
    grid-template-columns:1fr;
  }

  .hero-btns{
    flex-direction:column;
  }

  .hero-btns .btn{
    width:100%;
    justify-content:center;
  }

}
/* =========================
   TRUST BAND RESPONSIVE
========================= */

@media (max-width: 768px){

  .trust-band{
    padding:20px 0;
  }

  .trust-band-inner{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:14px;
    padding:0 18px;
  }

  .trust-band-item{
    justify-content:flex-start;
    align-items:center;
    gap:10px;
    padding:12px;
    background:#fff;
    border-radius:14px;
    border:1px solid var(--gray-200);
    font-size:.75rem;
  }

  .trust-icon{
    width:32px;
    height:32px;
    font-size:14px;
    flex-shrink:0;
  }

}

/* PETITS MOBILES */

@media (max-width: 520px){

  .trust-band-inner{
    grid-template-columns:1fr;
  }

}



/* =========================
   HERO TRUST RESPONSIVE
========================= */

@media (max-width: 768px){

  .hero-trust{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:16px;
    border-top:none;
    padding-top:10px;
  }

  .trust-divider{
    display:none;
  }

  .trust-item{
    background:rgba(255,255,255,.06);
    border:1px solid rgba(255,255,255,.08);
    border-radius:16px;
    padding:14px;
    text-align:center;
    align-items:center;
  }

  .trust-num{
    font-size:1.3rem;
  }

  .trust-label{
    font-size:.72rem;
    line-height:1.4;
  }

}

/* PETITS MOBILES */

@media (max-width: 520px){

  .hero-trust{
    grid-template-columns:1fr;
  }

}