/* ================================================================
   Bergfinanz - Design System
   Color: Navy #0B1A2E, Accent blue #1F7AC7, Cream #F7F3EC
   Font:  DM Sans (headings + body)
================================================================ */

/* ── Reset extras ── */
/* Neutralise le plafond Bootstrap sur .container au palier tablette :
   le contenu reste fluide jusqu'au prochain breakpoint (lg). */
@media (min-width: 768px) {
    .container { max-width: none; }
}
html { font-size: 15px; }
*, *::before, *::after { box-sizing: border-box; }
[x-cloak] { display: none !important; }
body { font-family: 'DM Sans', ui-sans-serif, sans-serif; color: #1E293B; line-height: 1.7; background: #fff; overflow-x: hidden; }
img { max-width: 100%; height: auto; }
a, p, span, li, td, th { overflow-wrap: break-word; word-break: break-word; }
h1,h2,h3,h4,h5 { font-family: 'DM Sans', sans-serif; color: #0B1A2E; line-height: 1.2; }
a { text-decoration: none; transition: color .2s ease; }
img { max-width: 100%; height: auto; display: block; }
p { margin-bottom: .75rem; }

/* ── Variables ── */
:root {
    --navy:        #0B1A2E;
    --navy-mid:    #162540;
    --navy-light:  #1E3A5F;
    --navy-deep:   #060E1C;
    --gold:        #1F7AC7;
    --gold-light:  #4FA8E0;
    --gold-pale:   #EAF4FC;
    --gold-dark:   #145A94;
    --cream:       #F7F3EC;
    --cream-light: #FDFBF8;
    --white:       #FFFFFF;
    --gray-50:     #F8FAFC;
    --gray-100:    #F1F5F9;
    --gray-200:    #E2E8F0;
    --gray-400:    #94A3B8;
    --gray-500:    #64748B;
    --gray-700:    #334155;
    --gray-900:    #0F172A;
    --shadow-card: 0 1px 3px rgba(11,26,46,.06), 0 4px 16px rgba(11,26,46,.08);
    --shadow-hover: 0 4px 8px rgba(11,26,46,.08), 0 16px 40px rgba(11,26,46,.12);
    --shadow-gold: 0 4px 24px rgba(31,122,199,.22);
    --radius:      0.75rem;
    --radius-sm:   0.5rem;
    --radius-xl:   1rem;
    --transition:  .2s ease;
}

/* ================================================================
   HEADER / NAVIGATION
================================================================ */
.site-header {
    background: rgba(255,255,255,.95);
    -webkit-backdrop-filter: blur(12px);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid rgba(11,26,46,.06);
    transition: all .3s ease;
}
.site-header.header--scrolled {
    background: rgba(255,255,255,.98);
    box-shadow: 0 1px 0 rgba(11,26,46,.08), 0 4px 24px rgba(11,26,46,.06);
}

/* Transparent header over hero */
.is-home .site-header:not(.header--scrolled).header--transparent {
    background: transparent;
    border-bottom-color: transparent;
    box-shadow: none;
}
.is-home .site-header.header--transparent .nav-link { color: rgba(255,255,255,.85); }
.is-home .site-header.header--transparent .nav-link:hover,
.is-home .site-header.header--transparent .nav-link--active { color: var(--gold); }
.is-home .site-header.header--transparent .lang-btn { color: rgba(255,255,255,.85); }
.is-home .site-header.header--transparent .lang-btn:hover { background: rgba(255,255,255,.1); }
.is-home .site-header.header--transparent .mobile-menu-btn { color: #fff; }
.is-home .site-header.header--transparent .btn-primary { background: var(--gold); color: var(--white); }

/* Logo swap: white mark over the dark home hero, full-colour mark once scrolled / on any other page */
.logo-img--white { display: none; }
.logo-img--color { display: block; }
.is-home .site-header.header--transparent:not(.header--scrolled) .logo-img--white { display: block; }
.is-home .site-header.header--transparent:not(.header--scrolled) .logo-img--color { display: none; }

.nav-link {
    color: var(--gray-700);
    font-weight: 600;
    font-size: .875rem;
    letter-spacing: .01em;
    position: relative;
}
.nav-link:hover { color: var(--navy); }
.nav-link--active { color: var(--navy); }
.nav-link::after {
    content: '';
    position: absolute;
    bottom: -2px;
    left: 50%;
    width: 0;
    height: 2px;
    background: var(--gold);
    border-radius: 2px;
    transform: translateX(-50%);
    transition: width .2s ease;
}
.nav-link--active::after,
.nav-link:hover::after { width: 60%; }

.lang-btn { color: var(--gray-700); }
.lang-btn:hover { background: var(--gray-100); color: var(--navy); }
.mobile-menu-btn { color: var(--gray-700); }
.mobile-menu-btn:hover { background: var(--gray-100); }
.mobile-menu {
    background: rgba(255,255,255,.98);
    -webkit-backdrop-filter: blur(12px);
    backdrop-filter: blur(12px);
    box-shadow: 0 8px 32px rgba(11,26,46,.12);
}

/* ================================================================
   BUTTONS
================================================================ */
.btn-primary {
    display: inline-flex;
    align-items: center;
    gap: .5rem;
    padding: .625rem 1.25rem;
    background: var(--gold);
    color: var(--white) !important;
    font-weight: 700;
    font-size: .875rem;
    letter-spacing: .03em;
    border-radius: var(--radius-sm);
    border: 2px solid var(--gold);
    cursor: pointer;
    transition: background .2s ease, border-color .2s ease, color .2s ease, box-shadow .2s ease;
    white-space: nowrap;
    text-decoration: none;
}
.btn-primary:hover {
    background: var(--navy);
    border-color: var(--navy);
    color: var(--white) !important;
    box-shadow: var(--shadow-gold);
}
.btn-primary--lg { padding: .875rem 2rem; font-size: 1rem; border-radius: var(--radius); }
.btn-primary--sm { padding: .5rem 1rem; font-size: .8125rem; }

.btn-outline {
    display: inline-flex;
    align-items: center;
    gap: .5rem;
    padding: .625rem 1.25rem;
    background: transparent;
    color: var(--navy) !important;
    font-weight: 700;
    font-size: .875rem;
    letter-spacing: .03em;
    border-radius: var(--radius-sm);
    border: 2px solid var(--gray-200);
    cursor: pointer;
    transition: all .2s ease;
    white-space: nowrap;
    text-decoration: none;
}
.btn-outline:hover {
    border-color: var(--navy);
    background: var(--navy);
    color: var(--white) !important;
}
.btn-outline--lg { padding: .875rem 2rem; font-size: 1rem; border-radius: var(--radius); }

.btn-outline-white {
    display: inline-flex;
    align-items: center;
    gap: .5rem;
    padding: .875rem 2rem;
    background: transparent;
    color: var(--white) !important;
    font-weight: 700;
    font-size: 1rem;
    letter-spacing: .03em;
    border-radius: var(--radius);
    border: 2px solid rgba(255,255,255,.4);
    cursor: pointer;
    transition: all .2s ease;
    white-space: nowrap;
    text-decoration: none;
}
.btn-outline-white:hover {
    background: rgba(255,255,255,.15);
    border-color: rgba(255,255,255,.7);
}

/* ================================================================
   HERO SECTION
================================================================ */
.hero-section {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: flex-start;
    overflow: hidden;
}
.hero-inner {
    padding-top: 10rem;
    padding-bottom: 6rem;
}
.hero-section__bg {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    z-index: 0;
}
.hero-section__bg::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(110deg,
        rgba(6,14,28,.92) 0%,
        rgba(11,26,46,.85) 40%,
        rgba(11,26,46,.60) 70%,
        rgba(30,58,95,.40) 100%);
}
.hero-section .container-xl { position: relative; z-index: 2; }
.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: .5rem;
    padding: .375rem 1rem;
    background: rgba(31,122,199,.12);
    border: 1px solid rgba(31,122,199,.25);
    border-radius: 100px;
    color: var(--gold-light);
    font-size: .8125rem;
    font-weight: 600;
    letter-spacing: .04em;
    text-transform: uppercase;
    margin-bottom: 1.5rem;
}
.hero-badge__dot {
    width: 6px;
    height: 6px;
    background: var(--gold);
    border-radius: 50%;
    animation: pulseDot 2s ease infinite;
}
@keyframes pulseDot {
    0%, 100% { opacity: 1; transform: scale(1); }
    50%       { opacity: .6; transform: scale(1.3); }
}

/* Hero trust cards */
.hero-trust {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}
.hero-trust__card {
    background: rgba(255,255,255,.08);
    border: 1px solid rgba(255,255,255,.12);
    -webkit-backdrop-filter: blur(8px);
    backdrop-filter: blur(8px);
    border-radius: var(--radius);
    padding: 1.25rem 1.5rem;
    display: flex;
    align-items: center;
    gap: 1rem;
    transition: background .2s ease;
}
.hero-trust__card:hover { background: rgba(255,255,255,.12); }
.hero-trust__icon {
    width: 44px;
    height: 44px;
    background: rgba(31,122,199,.15);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold);
    font-size: 1.125rem;
    flex-shrink: 0;
}
.hero-trust__label {
    font-size: .75rem;
    color: rgba(255,255,255,.55);
    letter-spacing: .06em;
    text-transform: uppercase;
    font-weight: 500;
    margin-bottom: .25rem;
}
.hero-trust__value {
    font-family: 'DM Sans', sans-serif;
    font-size: 1.375rem;
    color: var(--white);
    font-weight: 700;
    line-height: 1;
}

/* ================================================================
   PAGE HEADER (breadcrumb hero for inner pages)
================================================================ */
.page-hero {
    position: relative;
    padding: 6rem 0 4rem;
    background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy-mid) 50%, var(--navy-light) 100%);
    overflow: hidden;
}
.page-hero::before {
    content: '';
    position: absolute;
    top: -100px;
    right: -100px;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(31,122,199,.12) 0%, transparent 65%);
    border-radius: 50%;
}
.page-hero::after {
    content: '';
    position: absolute;
    bottom: -80px;
    left: -80px;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(30,58,95,.5) 0%, transparent 65%);
    border-radius: 50%;
}
.page-hero__content { position: relative; z-index: 2; text-align: center; }
.page-hero__title {
    font-family: 'DM Sans', sans-serif;
    font-size: clamp(1.75rem, 4vw, 2.75rem);
    font-weight: 700;
    color: var(--white);
    margin-bottom: 1rem;
}
.page-hero__breadcrumb {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: .5rem;
    list-style: none;
    padding: 0;
    margin: 0;
    font-size: .875rem;
}
.page-hero__breadcrumb li { display: flex; align-items: center; gap: .5rem; color: rgba(255,255,255,.5); }
.page-hero__breadcrumb a { color: var(--gold); }
.page-hero__breadcrumb a:hover { color: var(--gold-light); }
.page-hero__breadcrumb .sep { color: rgba(255,255,255,.3); font-size: .75rem; }

/* ================================================================
   SECTION TITLES
================================================================ */
.section-label {
    display: inline-flex;
    align-items: center;
    gap: .5rem;
    font-size: .75rem;
    font-weight: 700;
    letter-spacing: .1em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: .75rem;
}
.section-title {
    font-family: 'DM Sans', sans-serif;
    font-size: clamp(1.5rem, 3vw, 2.25rem);
    font-weight: 700;
    color: var(--navy);
    line-height: 1.2;
    margin-bottom: 1rem;
}
.section-title--white { color: var(--white); }
.section-sub {
    font-size: 1rem;
    color: var(--gray-500);
    line-height: 1.75;
    max-width: 560px;
}
.section-sub--white { color: rgba(255,255,255,.65); }

/* ================================================================
   CARDS
================================================================ */
.card-glass {
    background: var(--white);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-card);
    border: 1px solid rgba(11,26,46,.06);
    transition: box-shadow .25s ease, transform .25s ease;
    overflow: hidden;
}
.card-glass:hover { box-shadow: var(--shadow-hover); transform: translateY(-3px); }

/* Service card — style simple, sans image */
.service-card {
    background: var(--white);
    border-radius: var(--radius);
    border: 1px solid var(--gray-100);
    transition: border-color .2s ease, transform .2s ease;
    display: flex;
    flex-direction: column;
    height: 100%;
}
.service-card:hover { border-color: var(--gold-pale); transform: translateY(-2px); }
.service-card__body { padding: 1.75rem 1.5rem; flex: 1; display: flex; flex-direction: column; gap: .6rem; }
.service-card__icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 46px;
    height: 46px;
    background: var(--gold-pale);
    border-radius: var(--radius-sm);
    color: var(--gold-dark);
    font-size: 1.125rem;
    margin-bottom: .25rem;
}
.service-card__title {
    font-family: 'DM Sans', sans-serif;
    font-size: 1.0625rem;
    font-weight: 700;
    color: var(--navy);
    margin: 0;
}
.service-card__title a { color: inherit; }
.service-card__title a:hover { color: var(--gold); }
.service-card__desc { font-size: .8375rem; color: var(--gray-500); line-height: 1.6; flex: 1; }
.service-card__link {
    display: inline-flex;
    align-items: center;
    gap: .375rem;
    font-size: .78rem;
    font-weight: 700;
    color: var(--navy);
    letter-spacing: .03em;
    text-transform: uppercase;
    transition: color .2s ease, gap .2s ease;
}
.service-card__link:hover { color: var(--gold); gap: .625rem; }

/* Étapes "Comment ça marche" — timeline verticale alternée droite/gauche */
.timeline { position: relative; max-width: 760px; margin: 0 auto; }
.timeline::before {
    content: '';
    position: absolute;
    left: 50%;
    top: 6px;
    bottom: 6px;
    width: 0;
    border-left: 2px dashed var(--gray-200);
    transform: translateX(-50%);
}
.timeline-item {
    position: relative;
    display: flex;
    align-items: flex-start;
    margin-bottom: 2.75rem;
}
.timeline-item:last-child { margin-bottom: 0; }
.timeline-marker {
    position: absolute;
    left: 50%;
    top: 0;
    transform: translateX(-50%);
    width: 64px;
    height: 64px;
    border-radius: 50%;
    background: var(--navy);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    box-shadow: 0 0 0 6px var(--white);
    z-index: 1;
}
.timeline-marker i { font-size: 1.375rem; color: var(--gold-light); }
.timeline-marker__num {
    position: absolute;
    top: -4px;
    right: -4px;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--gold);
    color: var(--white);
    font-size: .64rem;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 3px solid var(--white);
}
.timeline-content { width: calc(50% - 48px); padding-top: .75rem; }
.timeline-item--right { justify-content: flex-end; }
.timeline-item--right .timeline-content { margin-left: auto; padding-left: 1.5rem; text-align: left; }
.timeline-item--left { justify-content: flex-start; }
.timeline-item--left .timeline-content { margin-right: auto; padding-right: 1.5rem; text-align: right; }
.timeline-content__title {
    font-family: 'DM Sans', sans-serif;
    font-size: 1.0625rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: .4rem;
}
.timeline-content__desc { font-size: .84rem; color: var(--gray-500); line-height: 1.65; margin: 0; }

@media (max-width: 767px) {
    .timeline::before { left: 32px; }
    .timeline-marker { left: 32px; width: 52px; height: 52px; }
    .timeline-marker i { font-size: 1.125rem; }
    .timeline-item, .timeline-item--right, .timeline-item--left { justify-content: flex-start; }
    .timeline-content,
    .timeline-item--right .timeline-content,
    .timeline-item--left .timeline-content {
        width: auto;
        margin: 0;
        padding-top: .5rem;
        padding-left: 4rem;
        padding-right: 0;
        text-align: left;
    }
}

/* ================================================================
   STAT (FUNFACT) SECTION
================================================================ */
.stat-item { text-align: center; padding: 2.5rem 1rem; }
.stat-item__number {
    font-family: 'DM Sans', sans-serif;
    font-size: clamp(2rem, 4vw, 2.75rem);
    font-weight: 700;
    color: var(--gold);
    line-height: 1;
    margin-bottom: .5rem;
    display: flex;
    align-items: flex-end;
    justify-content: center;
    gap: .125rem;
}
.stat-item__label {
    font-size: .8125rem;
    font-weight: 600;
    color: rgba(255,255,255,.55);
    letter-spacing: .07em;
    text-transform: uppercase;
}
.stat-item--sep { border-right: 1px solid rgba(255,255,255,.07); }

/* ================================================================
   TESTIMONIALS
================================================================ */
.testimonial-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 2rem;
    border: 1px solid var(--gray-100);
    box-shadow: var(--shadow-card);
    position: relative;
}
.testimonial-card::before {
    content: '\201C';
    font-family: 'DM Sans', sans-serif;
    font-size: 4.5rem;
    color: var(--gold-pale);
    position: absolute;
    top: -.75rem;
    left: 1.5rem;
    line-height: 1;
    pointer-events: none;
}
.testimonial-card { display: flex; flex-direction: column; }
.testimonial-card__quote {
    font-size: .9375rem;
    line-height: 1.75;
    color: var(--gray-700);
    margin-bottom: 1.5rem;
    position: relative;
    z-index: 1;
    flex: 1;
}
.testimonial-card__author {
    display: flex;
    align-items: center;
    gap: .875rem;
}
.testimonial-card__icon {
    width: 44px;
    height: 44px;
    flex-shrink: 0;
    border-radius: 50%;
    background: var(--gold-pale);
    color: var(--gold-dark);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.05rem;
}
.testimonial-card__name {
    font-family: 'DM Sans', sans-serif;
    font-size: 1rem;
    font-weight: 700;
    color: var(--navy);
    margin: 0;
}
.testimonial-card__time { font-size: .78rem; color: var(--gray-400); margin: .1rem 0 0; }
.testimonial-card__stars {
    display: flex;
    gap: 2px;
    margin-top: 2px;
}
.testimonial-card__stars i { color: var(--gold); font-size: .75rem; }

/* ── Carrousel (défilement natif, sans dépendance externe) ── */
.testimonial-carousel { position: relative; }
.testimonial-track {
    display: flex;
    gap: 1.5rem;
    overflow-x: auto;
    scroll-snap-type: x mandatory;
    scroll-behavior: smooth;
    padding: .5rem .25rem 1rem;
    margin: -.5rem -.25rem 0;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
}
.testimonial-track::-webkit-scrollbar { display: none; }
.testimonial-track .testimonial-card { scroll-snap-align: start; flex: 0 0 100%; }
@media (min-width: 640px) {
    .testimonial-track .testimonial-card { flex: 0 0 calc(50% - .75rem); }
}
@media (min-width: 1024px) {
    .testimonial-track .testimonial-card { flex: 0 0 calc(33.333% - 1rem); }
}
.carousel-nav { display: flex; align-items: center; justify-content: center; gap: .75rem; margin-top: 1.5rem; }
.carousel-arrow {
    width: 44px; height: 44px; border-radius: 50%;
    background: var(--white); border: 1px solid var(--gray-200);
    display: flex; align-items: center; justify-content: center;
    color: var(--navy); cursor: pointer; transition: all .2s ease; flex-shrink: 0;
}
.carousel-arrow:hover { background: var(--navy); border-color: var(--navy); color: var(--white); }

/* ================================================================
   ABOUT SECTION — visuel + points clés (sans image en double, sans badge flottant)
================================================================ */
.about-visual {
    position: relative;
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow-card);
}
.about-visual__img {
    width: 100%;
    height: 460px;
    object-fit: cover;
    display: block;
}
.about-visual__ribbon {
    position: absolute;
    left: 0; right: 0; bottom: 0;
    display: flex;
    align-items: center;
    gap: 1rem;
    padding: 1.25rem 1.5rem;
    background: linear-gradient(0deg, rgba(11,26,46,.92) 0%, rgba(11,26,46,.7) 65%, transparent 100%);
}
.about-visual__ribbon-num {
    font-family: 'DM Sans', sans-serif;
    font-size: 2rem;
    font-weight: 800;
    color: var(--gold-light);
    line-height: 1;
    flex-shrink: 0;
}
.about-visual__ribbon-label {
    font-size: .75rem;
    font-weight: 600;
    color: rgba(255,255,255,.88);
    text-transform: uppercase;
    letter-spacing: .05em;
    line-height: 1.35;
}

.about-point { display: flex; gap: 1rem; padding: 1.1rem 0; }
.about-point + .about-point { border-top: 1px solid var(--gray-100); }
.about-point__icon {
    width: 44px;
    height: 44px;
    flex-shrink: 0;
    border-radius: 50%;
    background: var(--gold-pale);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold-dark);
    font-size: 1.05rem;
}
.about-point__title { font-size: .9rem; font-weight: 700; color: var(--navy); margin-bottom: .2rem; }
.about-point__desc { font-size: .8125rem; color: var(--gray-500); margin: 0; line-height: 1.55; }

.checklist { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: .625rem; }
.checklist li { display: flex; align-items: center; gap: .75rem; font-size: .9375rem; font-weight: 500; color: var(--gray-700); }
.checklist__icon { color: var(--gold); font-size: .875rem; flex-shrink: 0; }

/* ================================================================
   LOAN CALCULATOR (noUiSlider)
================================================================ */
.calc-section {
    background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 50%, var(--navy-mid) 100%);
    position: relative;
    overflow: hidden;
}
.calc-section::before {
    content: '';
    position: absolute;
    top: -120px;
    right: -120px;
    width: 480px;
    height: 480px;
    background: radial-gradient(circle, rgba(31,122,199,.08) 0%, transparent 60%);
    border-radius: 50%;
    pointer-events: none;
}
.simulate-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 2.25rem;
    box-shadow: 0 20px 60px rgba(0,0,0,.25);
    max-width: 460px;
    margin: 0 auto;
}
.simulate-card__title {
    font-family: 'DM Sans', sans-serif;
    font-size: 1.375rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 1.5rem;
}
.simulate-card__results {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
    border-radius: 14px;
    padding: 1.1rem 1rem;
    display: flex;
    flex-wrap: wrap;
    gap: .75rem;
    margin: 1.5rem 0;
}
.simulate-card__result { flex: 1; min-width: 100px; text-align: center; }
.simulate-card__result span { display: block; font-size: .62rem; text-transform: uppercase; letter-spacing: .07em; color: rgba(255,255,255,.5); margin-bottom: .3rem; }
.simulate-card__result b { font-size: 1.05rem; font-weight: 800; color: var(--white); }
.simulate-card__result--highlight b { color: var(--gold-light); font-size: 1.3rem; }
.simulate-card__btn { width: 100%; justify-content: center; }

/* ================================================================
   FORMS
================================================================ */
.form-group { margin-bottom: 1.25rem; }
.form-group label {
    display: block;
    font-size: .8125rem;
    font-weight: 600;
    letter-spacing: .04em;
    text-transform: uppercase;
    color: var(--navy);
    margin-bottom: .5rem;
}
.form-control {
    display: block;
    width: 100%;
    padding: .875rem 1rem;
    background: var(--white);
    border: 1.5px solid var(--gray-200);
    border-radius: var(--radius-sm);
    font-size: .9375rem;
    color: var(--gray-900);
    font-family: 'DM Sans', sans-serif;
    transition: border-color .2s ease, box-shadow .2s ease;
    outline: none;
    -webkit-appearance: none;
}
.form-control:focus {
    border-color: var(--gold);
    box-shadow: 0 0 0 3px rgba(31,122,199,.12);
}
.form-control::placeholder { color: var(--gray-400); }
textarea.form-control { resize: vertical; min-height: 130px; }
select.form-control { cursor: pointer; }
.form-error { font-size: .8125rem; color: #dc2626; margin-top: .375rem; display: block; }
/* Champ simple avec unité (montant, durée...) */
.input-group-simple {
    display: flex; align-items: center; gap: .6rem;
    padding: .15rem .9rem; background: #f7f8fa; border: 1.5px solid var(--gray-200); border-radius: var(--radius-sm);
    transition: border-color .18s;
}
.input-group-simple:focus-within { border-color: var(--gold); }
.input-group-simple .form-control {
    flex: 1; border: none !important; background: transparent !important; padding: .65rem 0 !important;
    box-shadow: none !important;
}
.input-group-simple__sym { font-size: .85rem; font-weight: 700; color: var(--navy); opacity: .6; white-space: nowrap; }
.form-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    border: 1px solid var(--gray-100);
    padding: 2.5rem 2rem;
    box-shadow: var(--shadow-card);
}

/* ================================================================
   HERO CAROUSEL
================================================================ */
.hero-slide-bg {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    transition: opacity 1.2s ease;
}
.hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(110deg,
        rgba(6,14,28,.92) 0%,
        rgba(11,26,46,.85) 40%,
        rgba(11,26,46,.60) 70%,
        rgba(30,58,95,.40) 100%);
    z-index: 1;
}
.hero-dots {
    display: flex;
    gap: .625rem;
    position: absolute;
    bottom: 5rem;
    left: 50%;
    transform: translateX(-50%);
    z-index: 3;
}
.hero-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: rgba(255,255,255,.35);
    border: none;
    cursor: pointer;
    transition: all .25s ease;
    padding: 0;
}
.hero-dot.active,
.hero-dot:hover { background: var(--gold); transform: scale(1.35); }

.hero-arrow {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    z-index: 3;
    width: 52px;
    height: 52px;
    border-radius: 50%;
    background: rgba(255,255,255,.1);
    border: 1px solid rgba(255,255,255,.2);
    color: #fff;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    transition: all .2s ease;
    -webkit-backdrop-filter: blur(4px);
    backdrop-filter: blur(4px);
}
.hero-arrow:hover { background: var(--gold); color: var(--white); border-color: var(--gold); }
.hero-arrow--prev { left: 2rem; }
.hero-arrow--next { right: 2rem; }
@media (max-width: 768px) {
    .hero-arrow { display: none; }
}

/* ================================================================
   ACCORDION (Alpine.js — no Bootstrap JS needed)
================================================================ */
.faq-btn {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    padding: 1.35rem .25rem;
    background: transparent;
    border: none;
    font-family: 'DM Sans', sans-serif;
    font-size: .9375rem;
    font-weight: 600;
    color: var(--navy);
    text-align: left;
    cursor: pointer;
    transition: color .2s ease;
}
.faq-btn.is-open,
.faq-btn:hover { color: var(--gold-dark); }
.faq-btn__icon {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--gold-pale);
    color: var(--gold-dark);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: .75rem;
    flex-shrink: 0;
    transition: transform .3s ease, background .2s ease;
}
.faq-btn.is-open .faq-btn__icon {
    transform: rotate(180deg);
    background: var(--navy);
    color: var(--gold);
}
.faq-body {
    padding: 0 .25rem 1.35rem;
    font-size: .9rem;
    color: var(--gray-500);
    line-height: 1.75;
    background: transparent;
}

/* ================================================================
   CONTACT PAGE — cartes de coordonnées, sans image
================================================================ */
.contact-cards { display: flex; flex-direction: column; gap: 1rem; }
.contact-card {
    display: flex;
    align-items: flex-start;
    gap: 1.1rem;
    padding: 1.35rem 1.5rem;
    background: var(--white);
    border: 1px solid var(--gray-100);
    border-radius: var(--radius);
    box-shadow: var(--shadow-card);
}
.contact-card__icon {
    width: 46px;
    height: 46px;
    flex-shrink: 0;
    border-radius: 50%;
    background: var(--gold-pale);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold-dark);
    font-size: 1.05rem;
}
.contact-card__title { font-size: .7rem; text-transform: uppercase; letter-spacing: .08em; color: var(--gray-400); font-weight: 800; margin: 0 0 .3rem; }
.contact-card__value { font-size: .9375rem; font-weight: 700; color: var(--navy); margin: 0; line-height: 1.5; }
.contact-card__value a { color: inherit; }
.contact-card__value a:hover { color: var(--gold); }
.contact-cards__social { display: flex; gap: .6rem; padding-top: .25rem; }
.contact-cards__social a {
    width: 40px; height: 40px; border-radius: 50%;
    background: var(--gray-100); color: var(--navy);
    display: flex; align-items: center; justify-content: center;
    font-size: .875rem; transition: all .2s ease;
}
.contact-cards__social a:hover { background: var(--gold); color: var(--white); }

/* ================================================================
   FAQ PAGE — onglets par catégorie + liste plate
================================================================ */
.faq-wrap { max-width: 800px; margin: 0 auto; }
.faq-tabs { display: flex; flex-wrap: wrap; justify-content: center; gap: .5rem; margin-bottom: 2.5rem; }
.faq-tab {
    display: inline-flex;
    align-items: center;
    gap: .5rem;
    padding: .6rem 1.15rem;
    border-radius: 999px;
    border: 1.5px solid var(--gray-200);
    background: var(--white);
    color: var(--gray-500);
    font-size: .82rem;
    font-weight: 600;
    cursor: pointer;
    transition: all .18s ease;
}
.faq-tab i { font-size: .75rem; }
.faq-tab:hover { border-color: var(--gold); color: var(--navy); }
.faq-tab.is-active { background: var(--navy); border-color: var(--navy); color: var(--white); }
.faq-list { display: flex; flex-direction: column; }
.faq-row { border-bottom: 1px solid var(--gray-100); }
.faq-row:first-child { border-top: 1px solid var(--gray-100); }

/* ================================================================
   SERVICE DETAIL
================================================================ */
.service-sidebar { display: flex; flex-direction: column; gap: 1.5rem; }
.service-sidebar__widget {
    background: var(--gray-50);
    border-radius: var(--radius-xl);
    padding: 1.75rem;
    border: 1px solid rgba(31,122,199,.15);
}
.service-sidebar__title {
    font-family: 'DM Sans', sans-serif;
    font-size: 1.0625rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 1.25rem;
}
.service-nav-list { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: .375rem; }
.service-nav-list__item a {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: .875rem 1rem;
    background: var(--white);
    border-radius: var(--radius-sm);
    font-size: .875rem;
    font-weight: 600;
    color: var(--navy);
    border-left: 3px solid transparent;
    transition: all .2s ease;
}
.service-nav-list__item a:hover,
.service-nav-list__item a.active { border-left-color: var(--gold); background: var(--navy); color: var(--white); }
.service-nav-list__item a i { font-size: .75rem; color: var(--gold); }
.contact-widget {
    background: var(--navy);
    border-radius: var(--radius-xl);
    padding: 1.75rem;
    text-align: center;
}
.contact-widget__icon { width: 56px; height: 56px; background: var(--gold); border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 1rem; font-size: 1.25rem; color: var(--white); }
.contact-widget h4 { font-family: 'DM Sans', sans-serif; color: var(--white); font-size: 1rem; margin: 0 0 .375rem; font-weight: 700; }
.contact-widget p { color: rgba(255,255,255,.5); font-size: .8125rem; margin: 0 0 .875rem; }
.contact-widget__phone { font-family: 'DM Sans', sans-serif; font-size: 1.5rem; font-weight: 700; color: var(--gold); display: block; margin-bottom: .875rem; }
.contact-widget__phone:hover { color: var(--gold-light); }

.service-detail__icon {
    width: 56px; height: 56px; border-radius: 50%;
    background: var(--gold-pale); color: var(--gold-dark);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.375rem; margin-bottom: 1.25rem;
}
.service-detail__title { font-family: 'DM Sans', sans-serif; font-size: clamp(1.5rem, 2.5vw, 2rem); font-weight: 700; color: var(--navy); margin: 0 0 1rem; }
.service-detail__text { font-size: .9375rem; color: var(--gray-500); line-height: 1.8; margin-bottom: 2rem; }
.service-detail__advantages__title { font-family: 'DM Sans', sans-serif; font-size: 1.0625rem; font-weight: 700; color: var(--navy); margin-bottom: 1.25rem; }
.advantage-list { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 1rem 1.5rem; }
.advantage-list li { display: flex; align-items: flex-start; gap: .75rem; font-size: .9rem; color: var(--gray-700); line-height: 1.5; }
.advantage-list__icon {
    width: 24px; height: 24px; flex-shrink: 0; border-radius: 50%;
    background: var(--gold-pale); color: var(--gold-dark);
    display: flex; align-items: center; justify-content: center;
    font-size: .68rem; margin-top: .05rem;
}
.service-detail__cta { display: flex; flex-wrap: wrap; gap: .875rem; padding-top: 2rem; border-top: 1px solid var(--gray-100); margin-top: 2rem; }

/* ================================================================
   SIMULATE PAGE
================================================================ */
.simulate-summary {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 1.25rem;
    margin-bottom: 2.5rem;
}
.simulate-summary__card {
    background: var(--navy);
    border-radius: var(--radius);
    padding: 1.75rem 1.5rem;
    text-align: center;
}
.simulate-summary__card span { display: block; font-size: .75rem; text-transform: uppercase; letter-spacing: .08em; color: rgba(255,255,255,.5); margin-bottom: .625rem; font-weight: 600; }
.simulate-summary__card strong { font-family: 'DM Sans', sans-serif; font-size: 1.75rem; color: var(--gold); font-weight: 700; }
.amortization-table { width: 100%; border-collapse: collapse; font-size: .875rem; }
.amortization-table th { background: var(--navy); color: var(--white); padding: .875rem 1rem; text-align: left; font-size: .75rem; text-transform: uppercase; letter-spacing: .06em; font-weight: 600; }
.amortization-table th:first-child { border-radius: var(--radius-sm) 0 0 0; }
.amortization-table th:last-child { border-radius: 0 var(--radius-sm) 0 0; }
.amortization-table td { padding: .875rem 1rem; border-bottom: 1px solid var(--gray-100); color: var(--gray-700); }
.amortization-table tr:nth-child(even) td { background: var(--cream); }
.amortization-table tr:hover td { background: var(--gold-pale); }

/* ================================================================
   LEGAL (terms/privacy)
================================================================ */
.legal-content h2 {
    font-family: 'DM Sans', sans-serif;
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--navy);
    margin: 2.5rem 0 1rem;
    padding-left: 1rem;
    border-left: 3px solid var(--gold);
}
.legal-content h2:first-child { margin-top: 0; }
.legal-content p { font-size: .9375rem; color: var(--gray-500); line-height: 1.8; margin-bottom: 1rem; }
.legal-content ul { list-style: none; padding: 0; margin: 0 0 1.25rem; }
.legal-content ul li { padding: .375rem 0 .375rem 1.5rem; position: relative; font-size: .9375rem; color: var(--gray-500); }
.legal-content ul li::before { content: '›'; position: absolute; left: 0; color: var(--gold); font-size: 1.125rem; top: .25rem; }

/* ================================================================
   FOOTER
================================================================ */
.site-footer { background: var(--navy-deep); color: rgba(255,255,255,.6); padding-top: 5rem; }
.footer-logo { height: 68px; max-width: 240px; width: auto; object-fit: contain; margin-bottom: 1.25rem; }
.footer-desc { font-size: .875rem; line-height: 1.8; margin-bottom: 1.5rem; color: rgba(255,255,255,.5); }
.footer-social { display: flex; gap: .625rem; }
.footer-social a { width: 36px; height: 36px; background: rgba(255,255,255,.07); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,.6); font-size: .8125rem; transition: all .2s ease; }
.footer-social a:hover { background: var(--gold); color: var(--white); }
.footer-heading { font-family: 'DM Sans', sans-serif; font-size: .9375rem; font-weight: 700; color: var(--white); margin-bottom: 1.25rem; }
.footer-links { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: .75rem; }
.footer-links a { font-size: .875rem; color: rgba(255,255,255,.5); transition: color .2s ease; }
.footer-links a:hover { color: var(--white); }
.footer-contact-item { display: flex; align-items: flex-start; gap: .875rem; margin-bottom: .875rem; }
.footer-contact-item .icon { width: 32px; height: 32px; background: rgba(31,122,199,.12); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: var(--gold); flex-shrink: 0; font-size: .8125rem; }
.footer-contact-item a { color: rgba(255,255,255,.55); font-size: .875rem; }
.footer-contact-item a:hover { color: var(--gold); }
.footer-newsletter { display: flex; margin-top: .75rem; }
.footer-newsletter input { flex: 1; padding: .75rem 1rem; background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.1); border-right: none; border-radius: var(--radius-sm) 0 0 var(--radius-sm); color: var(--white); font-size: .875rem; font-family: 'DM Sans', sans-serif; outline: none; }
.footer-newsletter input::placeholder { color: rgba(255,255,255,.35); }
.footer-newsletter input:focus { border-color: var(--gold); }
.footer-newsletter button { padding: .75rem 1.125rem; background: var(--gold); border: none; border-radius: 0 var(--radius-sm) var(--radius-sm) 0; color: var(--white); font-weight: 700; font-size: .8125rem; cursor: pointer; transition: background .2s ease; }
.footer-newsletter button:hover { background: var(--gold-light); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.07); padding: 1.5rem 0; margin-top: 3rem; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: .75rem; }
.footer-bottom p { margin: 0; font-size: .8125rem; color: rgba(255,255,255,.35); }
.footer-bottom a { color: var(--gold); }
.footer-bottom a:hover { color: var(--white); }

/* ── Footer accordion (mobile) ── */
.footer-accordion-heading {
    display: flex; align-items: center; justify-content: space-between;
}
.footer-toggle-icon {
    flex-shrink: 0; margin-left: .5rem;
    font-size: .65rem; color: rgba(255,255,255,.3);
    transition: transform .25s ease;
}
.footer-toggle-icon.rotated { transform: rotate(180deg); }

@media (min-width: 768px) {
    .footer-accordion-heading { pointer-events: none; }
    .footer-toggle-icon       { display: none; }
    .footer-collapse          { display: block !important; }
}
@media (max-width: 767.98px) {
    .footer-accordion-heading { cursor: pointer; }
}

/* ================================================================
   CTA SECTION
================================================================ */
.cta-banner {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
    position: relative;
    overflow: hidden;
    padding: 5rem 0;
}
.cta-banner::before {
    content: '';
    position: absolute;
    top: -100px; right: -100px;
    width: 400px; height: 400px;
    background: radial-gradient(circle, rgba(31,122,199,.1) 0%, transparent 60%);
    border-radius: 50%;
    pointer-events: none;
}

/* ================================================================
   NEWSLETTER STRIP
================================================================ */
.newsletter-form { display: flex; max-width: 480px; }
.newsletter-form input {
    flex: 1;
    padding: .875rem 1.125rem;
    background: rgba(255,255,255,.08);
    border: 1.5px solid rgba(255,255,255,.15);
    border-right: none;
    border-radius: var(--radius-sm) 0 0 var(--radius-sm);
    color: var(--white);
    font-size: .9375rem;
    font-family: 'DM Sans', sans-serif;
    outline: none;
    transition: border-color .2s ease;
}
.newsletter-form input::placeholder { color: rgba(255,255,255,.35); }
.newsletter-form input:focus { border-color: var(--gold); }
.newsletter-form .btn-primary { border-radius: 0 var(--radius-sm) var(--radius-sm) 0; white-space: nowrap; }

/* ================================================================
   SERVICE NAV STRIP
================================================================ */
.service-nav-strip { background: var(--white); border-bottom: 1px solid var(--gray-100); box-shadow: 0 4px 20px rgba(11,26,46,.06); position: relative; z-index: 40; }
.service-nav-strip__inner { display: grid; grid-template-columns: repeat(6, 1fr); border-top: 3px solid var(--gold); }
.service-nav-strip__item { display: flex; flex-direction: column; align-items: center; justify-content: center; gap: .75rem; padding: 1.75rem 1rem; border-right: 1px solid var(--gray-100); color: var(--navy); text-decoration: none; transition: background .2s ease; }
.service-nav-strip__item:last-child { border-right: none; }
.service-nav-strip__item:hover { background: var(--cream); }
.service-nav-strip__icon { width: 52px; height: 52px; background: var(--gold-pale); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.25rem; color: var(--gold-dark); transition: all .2s ease; }
.service-nav-strip__item:hover .service-nav-strip__icon { background: var(--navy); color: var(--gold); }
.service-nav-strip__label { font-size: .6875rem; font-weight: 700; text-transform: uppercase; letter-spacing: .07em; color: var(--navy); text-align: center; line-height: 1.4; }

/* ================================================================
   ALERTS
================================================================ */
.alert { border-radius: var(--radius-sm); font-size: .9rem; padding: 1rem 1.25rem; border: none; margin-bottom: 1.25rem; }
.alert-success { background: rgba(16,185,129,.1); color: #065f46; border-left: 4px solid #10b981; }
.alert-danger  { background: rgba(220,38,38,.08); color: #991b1b; border-left: 4px solid #dc2626; }
.alert-info    { background: rgba(31,122,199,.1); color: var(--navy); border-left: 4px solid var(--gold); }

/* ================================================================
   LAYOUT UTILITIES — gutter classes via Bootstrap 5 CSS var
================================================================ */
.row.gutter-y-20 { --bs-gutter-y: 1.25rem; }
.row.gutter-y-30 { --bs-gutter-y: 1.875rem; }
.row.gutter-y-40 { --bs-gutter-y: 2.5rem; }
.row.gutter-y-50 { --bs-gutter-y: 3.125rem; }
.row.gutter-y-60 { --bs-gutter-y: 3.75rem; }
.section-space   { padding: 5rem 0; }

/* ================================================================
   RESPONSIVE — 1200px (XL)
================================================================ */
@media (max-width: 1199px) {
    .hero-trust { gap: .875rem; }
    .hero-trust__value { font-size: 1.125rem; }
}

/* ================================================================
   RESPONSIVE — 991px (LG → tablet paysage)
================================================================ */
@media (max-width: 991px) {
    /* ── WOW.js : rendre le contenu visible sur mobile/tablette ──
       WOW init avec mobile:false → les .wow restent visibility:hidden sans ce fix */
    .wow { visibility: visible !important; }

    /* Sections */
    .py-24 { padding-top: 4rem !important; padding-bottom: 4rem !important; }
    .py-16 { padding-top: 2.5rem !important; padding-bottom: 2.5rem !important; }
    .mb-14 { margin-bottom: 2.5rem !important; }
    .mb-12 { margin-bottom: 2rem !important; }
    .cta-banner { padding: 3.5rem 0; }
    .page-hero { padding: 6rem 0 3.5rem; }

    /* Cards — gap vertical réduit sur tablette */
    .row.gutter-y-30 { --bs-gutter-y: 1.25rem; }
    .row.gutter-y-50 { --bs-gutter-y: 2rem; }
    .row.gutter-y-60 { --bs-gutter-y: 2rem; }

    /* Hero */
    .hero-section { min-height: 85vh; }
    .hero-inner { padding-top: 8rem; padding-bottom: 4rem; }
    .hero-trust { display: none; }
    .hero-trust-bar { gap: 1rem !important; }

    /* Service nav strip */
    .service-nav-strip__inner { grid-template-columns: repeat(3, 1fr); }
    .service-nav-strip__item:nth-child(3) { border-right: none; }
    .service-nav-strip__item { padding: 1.25rem .75rem; }
    .service-nav-strip__icon { width: 44px; height: 44px; font-size: 1.1rem; }

    /* Footer */
    .footer-bottom { flex-direction: column; text-align: center; }
    .footer-social { justify-content: center; }
    .footer-heading { text-align: left; }

    /* About */
    .about-visual { margin-bottom: 2.5rem; }
    .about-visual__img { height: 380px; }

    /* Typography responsive */
    .section-title { font-size: 1.625rem; }
    .cta-banner h2 { font-size: 1.75rem; }
}

/* ================================================================
   RESPONSIVE — 767px (MD → mobile paysage / tablette portrait)
================================================================ */
@media (max-width: 767px) {
    /* ── Sections ── */
    .py-24 { padding-top: 4rem !important; padding-bottom: 4rem !important; }
    .py-16 { padding-top: 2rem !important; padding-bottom: 2rem !important; }
    .mb-14 { margin-bottom: 2rem !important; }
    .mb-12 { margin-bottom: 1.75rem !important; }
    .mb-8  { margin-bottom: 1.25rem !important; }
    .mb-6  { margin-bottom: 1rem !important; }

    /* ── Cards gap ── */
    .row.gutter-y-20,
    .row.gutter-y-30,
    .row.gutter-y-40,
    .row.gutter-y-50,
    .row.gutter-y-60 { --bs-gutter-y: 1.125rem; }

    /* ── Typography ── */
    .section-title { font-size: 1.5rem; }
    .section-label { font-size: .65rem; }
    h2 { font-size: 1.625rem; }
    h3 { font-size: 1.25rem; }
    .page-hero__title { font-size: 1.625rem; }
    .page-hero { padding: 5rem 0 2.5rem; }
    .page-hero__breadcrumb { flex-wrap: wrap; justify-content: center; gap: .375rem; font-size: .75rem; }

    /* ── Hero ── */
    .hero-section { min-height: 100svh; }
    .hero-inner { padding-top: 7rem; padding-bottom: 3rem; }
    .hero-slide-bg { background-position: center top; }
    .hero-badge { font-size: .625rem; white-space: normal; line-height: 1.5; max-width: 90%; }
    .hero-pills span { font-size: .7rem !important; padding: .25rem .65rem !important; }
    .hero-trust-bar { gap: .75rem !important; }

    /* ── Service nav strip ── */
    .service-nav-strip { padding: 1rem 0; }
    .service-nav-strip__label { font-size: .6875rem; }

    /* ── Service cards ── */
    .service-card { height: auto; }
    .service-card__image { height: 180px; }
    .service-card__image img { object-position: center top; }
    .service-card__body { padding: 1.25rem; }
    .service-card__title { font-size: 1rem; }

    /* ── Step cards ── */
    .step-card { padding: 1.5rem 1rem; }

    /* ── Testimonial cards ── */
    .testimonial-card { padding: 1.25rem; }
    .testimonial-card::before { font-size: 3rem; top: -.375rem; left: .875rem; }

    /* ── Stats strip ── */
    .stat-item { padding: 1.25rem .75rem; }
    .stat-item__number { font-size: 1.75rem; }
    .stat-item--sep { border-right: none; border-bottom: 1px solid rgba(255,255,255,.07); }

    /* ── About section ── */
    .about-visual__img      { height: 260px; object-position: center top; }
    .about-visual           { margin-bottom: 2.75rem; }
    .about-visual__ribbon-num { font-size: 1.625rem; }
    .about-loan-grid        { grid-template-columns: 1fr; }

    /* ── Loan calculator ── */
    .simulate-card { padding: 1.25rem; max-width: 100%; }

    /* ── Forms ── */
    .form-card { padding: 1.5rem 1rem; }
    .form-group label { font-size: .75rem; }

    /* ── Contact ── */
    .contact-card { padding: 1.1rem 1.25rem; }
    .contact-widget { padding: 1.25rem; }

    /* ── Service detail ── */
    .advantage-list { grid-template-columns: 1fr; }
    .service-detail__title { font-size: 1.25rem; }
    .service-detail__cta { flex-direction: column; gap: .75rem; }
    .service-detail__cta .btn-primary--lg,
    .service-detail__cta .btn-outline--lg { justify-content: center; width: 100%; }

    /* ── Service sidebar ── */
    .service-sidebar { gap: .875rem; }
    .service-sidebar__widget { padding: 1.25rem; }
    .service-nav-list a { font-size: .875rem; padding: .75rem 1rem; }
    .contact-widget__phone { font-size: 1.25rem; }

    /* ── Simulate page ── */
    .simulate-summary { grid-template-columns: 1fr 1fr; gap: .75rem; }
    .simulate-summary__card { padding: 1rem .75rem; }
    .simulate-summary__card strong { font-size: 1.25rem; }
    .amortization-table-wrap { overflow-x: auto; border-radius: var(--radius); }
    .amortization-table { font-size: .75rem; min-width: 520px; }
    .amortization-table th,
    .amortization-table td { padding: .5rem .4rem; }

    /* ── FAQ ── */
    .faq-btn { font-size: .875rem; padding: 1.1rem .25rem; gap: .75rem; }
    .faq-body { font-size: .875rem; padding: 0 .25rem 1.1rem; }

    /* ── CTA banner ── */
    .cta-banner { padding: 2.5rem 0; }
    .cta-banner h2 { font-size: 1.5rem; }
    .cta-banner .d-flex.flex-wrap { justify-content: center !important; }

    /* ── Footer ── */
    .site-footer { padding-top: 3rem; }
    .footer-heading { font-size: .9375rem; }
    .footer-links { gap: .5rem; }
    .footer-links a { font-size: .8125rem; }
    .footer-contact-item { gap: .625rem; align-items: flex-start; }
    .footer-contact-item .icon { width: 28px; height: 28px; font-size: .75rem; flex-shrink: 0; margin-top: 2px; }
    .footer-contact-item a,
    .footer-contact-item span { font-size: .8125rem; word-break: break-all; }
    .footer-desc { font-size: .8125rem; }
    .footer-newsletter { flex-direction: column; }
    .footer-newsletter input {
        border-right: 1px solid rgba(255,255,255,.1);
        border-radius: var(--radius-sm) var(--radius-sm) 0 0;
        border-bottom: none;
    }
    .footer-newsletter button { border-radius: 0 0 var(--radius-sm) var(--radius-sm); width: 100%; padding: .75rem; }
    .footer-bottom { flex-direction: column; text-align: center; gap: .5rem; padding: 1.25rem 0; margin-top: 2rem; }
    .footer-bottom p { font-size: .75rem; }

    /* ── Newsletter section ── */
    .newsletter-form { display: flex !important; width: 100%; flex-direction: column; max-width: 100%; }
    .newsletter-form input {
        border-right: 1.5px solid rgba(255,255,255,.15);
        border-radius: var(--radius-sm) var(--radius-sm) 0 0;
        border-bottom: none;
    }
    .newsletter-form .btn-primary { border-radius: 0 0 var(--radius-sm) var(--radius-sm); justify-content: center; }

    /* ── Legal pages ── */
    .legal-content { padding: 1.5rem 1.25rem; }
    .legal-content h1 { font-size: 1.5rem; }
    .legal-content h2 { font-size: 1.125rem; }
}

/* ================================================================
   RESPONSIVE — 991px (tablette portrait)
================================================================ */
@media (min-width: 768px) and (max-width: 991.98px) {
    .about-visual__img     { height: 360px; }
    /* Loan grid en 1 colonne sur tablette */
    .about-loan-grid       { grid-template-columns: 1fr; }
}

/* ================================================================
   RESPONSIVE — 575px (SM → mobile portrait)
================================================================ */
@media (max-width: 575px) {
    /* ── Hero ── */
    .hero-inner { padding-top: 6rem; padding-bottom: 2.5rem; }
    .hero-section h1 { font-size: 1.75rem !important; line-height: 1.15 !important; }
    .hero-badge { padding: .3rem .7rem; font-size: .5875rem; }
    .hero-pills { display: none; } /* Libère de l'espace sur très petits écrans */
    .hero-trust-bar { display: grid !important; grid-template-columns: 1fr 1fr; gap: .5rem !important; margin-top: 1rem !important; padding-top: 1rem !important; }
    .hero-section .btn-primary--lg,
    .hero-section .btn-outline-white { justify-content: center; width: 100%; white-space: normal; text-align: center; }

    /* ── Service nav strip — 2 colonnes ── */
    .service-nav-strip__inner { grid-template-columns: repeat(2, 1fr); }
    .service-nav-strip__item:nth-child(2) { border-right: none; }
    .service-nav-strip__item:nth-child(3),
    .service-nav-strip__item:nth-child(5) { border-right: 1px solid var(--gray-100); }
    .service-nav-strip__item:nth-child(4),
    .service-nav-strip__item:nth-child(6) { border-right: none; }
    .service-nav-strip__item { padding: .875rem .5rem; gap: .375rem; }
    .service-nav-strip__icon { width: 36px; height: 36px; font-size: .85rem; }
    .service-nav-strip__label { font-size: .5875rem; }

    /* ── Sections ── */
    .py-24 { padding-top: 3rem !important; padding-bottom: 3rem !important; }
    .section-title { font-size: 1.375rem; }
    .page-hero__title { font-size: 1.375rem; }
    .section-label { font-size: .6rem; letter-spacing: .06em; }

    /* ── Stat strip — 1 colonne ── */
    .stat-item { border-right: none !important; border-bottom: 1px solid rgba(255,255,255,.07); }
    .stat-item:last-child { border-bottom: none; }
    .stat-item__number { font-size: 1.625rem; }

    /* ── Simulate ── */
    .simulate-summary { grid-template-columns: 1fr; }
    .simulate-card__title { font-size: 1.125rem; }
    .simulate-card { padding: 1.5rem; }

    /* ── Forms ── */
    .btn-primary.w-100 { padding: .875rem 1rem; font-size: .875rem; }
    .form-card { padding: 1.25rem .875rem; }
    .form-group { margin-bottom: 1rem; }

    /* ── Footer — colonnes en pleine largeur ── */
    .site-footer { padding-top: 2.5rem; }
    .footer-heading { font-size: .875rem; margin-bottom: 1rem; }
    .footer-links a { font-size: .75rem; gap: .35rem; }
    .footer-social a { width: 32px; height: 32px; font-size: .75rem; }
    .footer-logo { height: 48px; }

    /* ── About ── */
    .about-visual__img { height: 200px; }
    .about-visual { margin-bottom: 4rem; }

    /* ── Service detail ── */
    .advantage-list li { font-size: .875rem; }

    /* ── Cards ── */
    .card-glass { padding: 1.25rem !important; }
}

/* ================================================================
   RESPONSIVE — 400px (très petit mobile)
================================================================ */
@media (max-width: 400px) {
    /* ── Hero ── */
    .hero-inner { padding-top: 5.5rem; padding-bottom: 2rem; }
    .hero-section h1 { font-size: 1.5rem !important; }
    .hero-trust-bar { grid-template-columns: 1fr; }
    .hero-badge { font-size: .5rem; }

    /* ── Typography ── */
    .section-title { font-size: 1.25rem; }
    .page-hero__title { font-size: 1.25rem; }
    h2 { font-size: 1.375rem; }
    h3 { font-size: 1.125rem; }

    /* ── CTA Banner ── */
    .cta-banner h2 { font-size: 1.25rem; }
    .btn-primary--lg,
    .btn-outline--lg { padding: .75rem 1.25rem; font-size: .875rem; }

    /* ── Service nav strip ── */
    .service-nav-strip__label { font-size: .5375rem; }
    .service-nav-strip__icon { width: 32px; height: 32px; font-size: .8rem; }

    /* ── Footer ── */
    .footer-bottom p { font-size: .6875rem; }
    .footer-contact-item a,
    .footer-contact-item span { font-size: .75rem; }
}

/* ================================================================
   WOW animations override (remove easilon defaults)
================================================================ */
.wow { visibility: hidden; }