/*===========================================
  LENDFLOW - Premium Elegant Banking Theme
  Warm Light + Navy + Gold Accents
===========================================*/

/* ============ VARIABLES ============ */
:root {
    --primary: #1e3a5f;
    --primary-dark: #152d4a;
    --primary-light: #2a5082;
    --secondary: #c8963e;
    --secondary-dark: #a67a2e;
    --secondary-light: #dbb05a;
    --accent: #e8734a;
    --dark: #1a1a2e;
    --gray-dark: #3d3d56;
    --gray: #6b7280;
    --gray-light: #e5e7eb;
    --white: #ffffff;
    --cream: #faf8f5;
    --bg-light: #f7f5f2;
    --bg-warm: #fdf9f3;
    --gradient-primary: linear-gradient(135deg, #1e3a5f 0%, #2a5082 100%);
    --gradient-secondary: linear-gradient(135deg, #c8963e 0%, #dbb05a 100%);
    --gradient-warm: linear-gradient(135deg, #faf8f5 0%, #f0ebe3 100%);
    --gradient-hero: linear-gradient(135deg, #1e3a5f 0%, #0f2744 50%, #1a1a2e 100%);
    --shadow-sm: 0 1px 3px rgba(30, 58, 95, 0.06);
    --shadow: 0 4px 12px rgba(30, 58, 95, 0.08);
    --shadow-md: 0 8px 24px rgba(30, 58, 95, 0.1);
    --shadow-lg: 0 16px 40px rgba(30, 58, 95, 0.12);
    --shadow-xl: 0 24px 50px rgba(30, 58, 95, 0.15);
    --shadow-gold: 0 4px 20px rgba(200, 150, 62, 0.2);
    --radius: 6px;
    --radius-lg: 8px;
    --radius-xl: 10px;
    --transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ============ GLOBAL ============ */
body {
    font-family: 'Poppins', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    background-color: var(--bg-light);
    color: #4a4a68;
    line-height: 1.75;
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
    color: var(--primary);
    font-weight: 700;
    letter-spacing: -0.025em;
}

h1 { font-size: 2.75rem; line-height: 1.15; }
h2 { font-size: 2.1rem; line-height: 1.25; }
h3 { font-size: 1.5rem; }

p {
    color: #5a5a78;
}

a {
    color: var(--secondary);
    transition: var(--transition);
}

a:hover {
    color: var(--secondary-dark);
    text-decoration: none;
}

::selection {
    background: var(--secondary);
    color: var(--white);
}

/* ============ HEADER V2 - handled in footer.php inline ============ */

/* Navigation - handled in footer.php inline for V2 header */
.bg-primary, .navbar.bg-primary {
    background: var(--gradient-primary) !important;
}

/* ============ BOUTONS ============ */
.btn {
    border-radius: 6px;
    padding: 13px 30px;
    font-weight: 600;
    font-size: 14px;
    text-transform: uppercase;
    letter-spacing: 0.6px;
    transition: var(--transition);
    border: none;
    box-shadow: var(--shadow);
}

.btn-primary {
    background: var(--gradient-primary);
    color: var(--white);
}

.btn-primary:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 25px rgba(30, 58, 95, 0.3);
    background: var(--gradient-primary);
}

.btn-secondary {
    background: var(--gradient-secondary) !important;
    color: var(--white) !important;
    border: none !important;
}

.btn-secondary:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-gold);
}

.btn-outline-primary {
    border: 2px solid var(--primary);
    color: var(--primary);
    background: transparent;
}

.btn-outline-primary:hover {
    background: var(--primary);
    color: var(--white);
    transform: translateY(-2px);
}

.btn-sm {
    padding: 9px 22px;
    font-size: 13px;
}

/* ============ CARTES ============ */
.card {
    border: 1px solid rgba(30, 58, 95, 0.06);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow);
    transition: var(--transition);
    overflow: hidden;
    background: var(--white);
    color: #5a5a78;
}

.card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(200, 150, 62, 0.15);
}

.card-body {
    padding: 24px;
}

/* Service boxes */
.service-img-box {
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow);
    transition: var(--transition);
    background: var(--white);
}

.service-img-box:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-xl);
}

.service-img img {
    transition: transform 0.6s cubic-bezier(0.4, 0, 0.2, 1);
}

.service-img-box:hover .service-img img {
    transform: scale(1.08);
}

.service-content {
    border-radius: 0 0 var(--radius-lg) var(--radius-lg);
}

/* ============ SECTIONS ============ */

/* Reduction globale des espacements de section */
.section-space80 {
    padding-top: 50px !important;
    padding-bottom: 50px !important;
}

.section-space100 {
    padding-top: 60px !important;
    padding-bottom: 60px !important;
}

.section-title {
    margin-bottom: 30px;
}

.section-title.mb-5 {
    margin-bottom: 28px !important;
}

h2.mb-5 {
    margin-bottom: 28px !important;
}

.section-title h1,
.section-title h2 {
    position: relative;
    display: inline-block;
    padding-bottom: 14px;
}

.section-title h1::after,
.section-title h2::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 50%;
    transform: translateX(-50%);
    width: 50px;
    height: 3px;
    background: var(--gradient-secondary);
    border-radius: 6px;
}

.section-title p {
    color: var(--gray);
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

/* ============ SLIDER ============ */
.slider-second#slider {
    margin-top: 5px;
}

.slider-captions {
    background: rgba(255, 255, 255, 0.96);
    padding: 28px 34px !important;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    backdrop-filter: blur(12px);
    max-width: 460px;
    border: 1px solid rgba(30, 58, 95, 0.06);
    border-left: 4px solid var(--secondary);
    bottom: 60px !important;
}

.slider-title {
    color: var(--primary) !important;
    font-size: 1.6rem !important;
    font-weight: 800 !important;
    margin-bottom: 14px !important;
    line-height: 1.25 !important;
}

.slider-text {
    color: var(--gray) !important;
    font-size: 0.95rem !important;
    margin-bottom: 18px !important;
    line-height: 1.6 !important;
}

.slider-text span {
    font-size: 1.2rem !important;
    color: var(--secondary) !important;
    font-weight: 700;
}

.slider-captions .btn {
    padding: 11px 26px !important;
    font-size: 0.88rem !important;
}

/* Cacher la caption sur mobile */
@media (max-width: 767px) {
    .slider-captions {
        display: none !important;
    }
}

/* Tablette et desktop moyen */
@media (min-width: 992px) {
    .slider-captions {
        padding: 32px 38px !important;
        max-width: 500px;
        bottom: 80px !important;
    }

    .slider-title {
        font-size: 1.8rem !important;
    }

    .slider-text {
        font-size: 1rem !important;
    }

    .slider-text span {
        font-size: 1.4rem !important;
    }
}

/* Grand desktop */
@media (min-width: 1400px) {
    .slider-captions {
        padding: 38px 44px !important;
        max-width: 540px;
        bottom: 100px !important;
    }

    .slider-title {
        font-size: 2rem !important;
    }

    .slider-text {
        font-size: 1.05rem !important;
    }

    .slider-text span {
        font-size: 1.5rem !important;
    }
}

.slider-title {
    color: var(--primary) !important;
    font-size: 2.2rem !important;
    font-weight: 800 !important;
    margin-bottom: 20px !important;
}

.slider-text {
    color: var(--gray) !important;
    font-size: 1.1rem !important;
    margin-bottom: 25px !important;
}

/* ============ BACKGROUNDS SECTIONS ============ */
.bg-light-blue {
    background: var(--gradient-primary) !important;
}

.bg-light {
    background: var(--bg-warm) !important;
}

.bg-default {
    background: var(--gradient-hero) !important;
}

.section-space80 .text-primary,
h1.text-primary {
    color: var(--primary) !important;
}

.text-light-blue {
    color: rgba(255, 255, 255, 0.8) !important;
}

/* ============ STATS / FEATURES ============ */
.bg-primary-light {
    background: var(--gradient-warm) !important;
}

.icon-4x {
    font-size: 3rem;
    color: var(--secondary) !important;
    margin-bottom: 15px;
}

.big-title {
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--primary);
}

/* ============ CTA SECTION ============ */
.cta-section {
    background: var(--gradient-hero) !important;
    border-radius: var(--radius-lg);
    position: relative;
    overflow: hidden;
}

.cta-section::before {
    content: '';
    position: absolute;
    top: -50px;
    right: -50px;
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(200, 150, 62, 0.12) 0%, transparent 70%);
}

/* ============ FORMULAIRES V2 - Sharp Geometric ============ */
.form-control {
    border: 1px solid #d1d5db;
    border-radius: 6px;
    padding: 12px 14px;
    font-size: 14px;
    transition: all 0.2s ease;
    background: var(--white);
    color: var(--dark);
    line-height: 1.5;
}

.form-control:focus {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(30, 58, 95, 0.08);
    background: var(--white);
    color: var(--dark);
    outline: none;
}

.form-control::placeholder {
    color: #9ca3af;
}

/* ============ FOOTER ============ */
.footer {
    background: var(--gradient-hero) !important;
    color: rgba(255, 255, 255, 0.85);
    padding-top: 80px !important;
}

.footer h3, .footer h4, .footer h5 {
    color: var(--white);
    margin-bottom: 25px;
}

.footer p {
    color: rgba(255, 255, 255, 0.7);
}

.footer a {
    color: rgba(255, 255, 255, 0.7);
    transition: var(--transition);
}

.footer a:hover {
    color: var(--secondary-light);
    padding-left: 5px;
}

.footer .listnone li {
    margin-bottom: 12px;
}

.footer-logo img {
    max-width: 180px;
    filter: brightness(0) invert(1);
}

.widget-text p {
    color: rgba(255, 255, 255, 0.7) !important;
}

.address-text, .call-text {
    color: rgba(255, 255, 255, 0.85) !important;
}

.address-text i, .call-text i {
    color: var(--secondary) !important;
    margin-right: 10px;
}

.tiny-footer {
    background: rgba(0, 0, 0, 0.15) !important;
    padding: 20px 0;
}

.tiny-footer p {
    color: rgba(255, 255, 255, 0.5);
    margin: 0;
}

.tiny-footer a {
    color: rgba(255, 255, 255, 0.7);
}

.tiny-footer a:hover {
    color: var(--secondary-light);
}

/* ============ ANIMATIONS ============ */
@keyframes fadeInDown {
    from {
        opacity: 0;
        transform: translateY(-10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes pulse {
    0%, 100% { transform: scale(1); }
    50% { transform: scale(1.03); }
}

@keyframes shimmer {
    0% { background-position: -200% 0; }
    100% { background-position: 200% 0; }
}

/* Animation classes */
.animate-fade-in {
    animation: fadeInUp 0.6s ease forwards;
}

.animate-delay-1 { animation-delay: 0.1s; }
.animate-delay-2 { animation-delay: 0.2s; }
.animate-delay-3 { animation-delay: 0.3s; }

/* Hover effects */
.hover-lift {
    transition: var(--transition);
}

.hover-lift:hover {
    transform: translateY(-6px);
}

.hover-scale {
    transition: var(--transition);
}

.hover-scale:hover {
    transform: scale(1.02);
}

/* ============ BACK TO TOP ============ */
.cd-top {
    background: var(--gradient-secondary) !important;
    width: 50px;
    height: 50px;
    border-radius: 6px;
    box-shadow: var(--shadow-gold);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
}

.cd-top:hover {
    transform: translateY(-5px);
    box-shadow: 0 12px 30px rgba(200, 150, 62, 0.35);
}

/* ============ PAGE HEADER ============ */
.page-header {
    position: relative;
    padding: 60px 0;
    background-size: cover !important;
    background-position: center !important;
    background-repeat: no-repeat !important;
}

.page-header::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(135deg, rgba(30, 58, 95, 0.88) 0%, rgba(26, 26, 46, 0.92) 100%);
    z-index: 1;
}

.page-header > * {
    position: relative;
    z-index: 2;
}

.page-header .container {
    position: relative;
    z-index: 2;
}

.page-header .page-title {
    color: var(--secondary-light);
    font-size: 2.2rem;
    font-weight: 800;
    text-shadow: 0 2px 4px rgba(0,0,0,0.15);
}

.breadcrumb {
    background: transparent;
    margin-bottom: 0;
    padding: 0;
}

.breadcrumb li, .breadcrumb a {
    color: rgba(255, 255, 255, 0.85);
    font-size: 14px;
}

.breadcrumb li.active {
    color: var(--white);
    font-weight: 500;
}

.breadcrumb-item + .breadcrumb-item::before {
    color: rgba(255, 255, 255, 0.5);
}

/* ============ RATE TABLE ============ */
.rate-table {
    background: var(--cream);
    padding: 45px 0;
    border-top: 1px solid rgba(30, 58, 95, 0.06);
    border-bottom: 1px solid rgba(30, 58, 95, 0.06);
}

.rate-counter-block {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 28px 22px;
    text-align: center;
    box-shadow: var(--shadow);
    transition: var(--transition);
    border: 2px solid transparent;
}

.rate-counter-block:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: var(--secondary);
}

.rate-icon {
    margin-bottom: 15px;
}

.rate-icon img {
    width: 50px;
    height: 50px;
}

.loan-rate {
    font-size: 2.2rem;
    font-weight: 800;
    color: var(--secondary);
    margin-bottom: 5px;
}

.rate-title {
    font-size: 14px;
    color: var(--gray);
    font-weight: 500;
}

.rate-table .card {
    border: 2px solid rgba(30, 58, 95, 0.06);
}

.rate-table .card:hover {
    border-color: var(--secondary);
}

/* ============ TESTIMONIALS ============ */
.testimonial-block {
    transition: var(--transition);
}

.testimonial-block:hover {
    transform: translateY(-6px);
}

.testimonial-block .bg-white {
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow);
    position: relative;
    background: var(--white) !important;
    border: 1px solid rgba(30, 58, 95, 0.06);
}

.testimonial-block .bg-white::after {
    content: '';
    position: absolute;
    bottom: -10px;
    left: 30px;
    width: 0;
    height: 0;
    border-left: 10px solid transparent;
    border-right: 10px solid transparent;
    border-top: 10px solid var(--white);
}

.testimonial-text {
    font-style: italic;
    color: #5a5a78;
    line-height: 1.8;
}

.testimonial-img img {
    width: 60px;
    height: 60px;
    border-radius: 6px;
    object-fit: cover;
    border: 3px solid var(--secondary);
}

.testimonial-name {
    color: var(--white);
    font-weight: 600;
    margin-bottom: 2px;
}

.testimonial-meta {
    font-size: 13px;
    opacity: 0.8;
}

/* ============ SERVICE BOXES ============ */
.service-content {
    background: var(--white) !important;
}

.service-content .title {
    color: var(--primary);
    font-weight: 700;
    transition: var(--transition);
}

.service-content .title:hover {
    color: var(--secondary);
}

.service-content p {
    color: #6b7280;
}

.btn-link {
    color: var(--secondary);
    font-weight: 600;
    transition: var(--transition);
}

.btn-link:hover {
    color: var(--secondary-dark);
    text-decoration: none;
}

.btn-secondary-link {
    color: var(--secondary);
    font-weight: 600;
    transition: var(--transition);
}

.btn-secondary-link:hover {
    color: var(--primary);
}

/* ============ OVERLAY SECTION ============ */
.overlay-section {
    margin-top: -60px;
    position: relative;
    z-index: 10;
}

.overlay-section .card {
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    border: none;
    background: var(--white);
}

.overlay-section .card h2 {
    color: var(--primary);
}

.overlay-section .card p {
    color: #6b7280;
}

/* Cartes de prets defilables horizontalement sur mobile */
@media (max-width: 767px) {
    .overlay-section {
        margin-top: -30px;
    }

    .overlay-section > .row {
        display: flex;
        flex-wrap: nowrap !important;
        overflow-x: auto;
        overflow-y: hidden;
        -webkit-overflow-scrolling: touch;
        scrollbar-width: none;
        -ms-overflow-style: none;
        padding-bottom: 15px;
        margin-left: -15px;
        margin-right: -15px;
        padding-left: 15px;
        padding-right: 40px;
        position: relative;
    }

    .overlay-section > .row::-webkit-scrollbar {
        display: none;
    }

    .overlay-section > .row::after {
        content: '';
        position: sticky;
        right: 0;
        top: 0;
        min-width: 50px;
        height: 100%;
        background: linear-gradient(to left, var(--bg-light) 0%, transparent 100%);
        pointer-events: none;
        flex-shrink: 0;
        margin-left: -50px;
    }

    .overlay-section > .row::before {
        content: '>';
        position: sticky;
        right: 5px;
        top: 50%;
        min-width: 30px;
        height: 30px;
        background: var(--secondary);
        color: white;
        border-radius: 6px;
        display: flex;
        align-items: center;
        justify-content: center;
        font-size: 18px;
        font-weight: bold;
        z-index: 10;
        animation: scrollHint 1.5s ease-in-out infinite;
        pointer-events: none;
        flex-shrink: 0;
        margin-left: -30px;
        box-shadow: var(--shadow-gold);
    }

    @keyframes scrollHint {
        0%, 100% { opacity: 1; transform: translateX(0); }
        50% { opacity: 0.7; transform: translateX(-5px); }
    }

    .overlay-section > .row > [class*="col-"] {
        flex: 0 0 280px;
        max-width: 280px;
        min-width: 280px;
        padding-right: 15px;
    }

    .overlay-section .card {
        height: 100%;
    }
}

/* ============ TABS ============ */
.hover-tabs .nav-tabs {
    border-bottom: 2px solid var(--gray-light);
}

.hover-tabs .nav-link {
    color: var(--gray);
    font-weight: 600;
    border: none;
    border-bottom: 3px solid transparent;
    padding: 12px 24px;
    transition: var(--transition);
}

.hover-tabs .nav-link.active,
.hover-tabs .nav-link:hover {
    color: var(--primary);
    border-bottom-color: var(--secondary);
    background: transparent;
}

/* ============ RESPONSIVE GLOBAL ============ */

/* TABLETTE (max 991px) */
@media (max-width: 991px) {
    .navbar-collapse {
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        z-index: 1050;
        background: var(--white);
        padding: 20px;
        border-radius: 0 0 var(--radius) var(--radius);
        box-shadow: var(--shadow-lg);
    }

    .navbar-nav .nav-link {
        color: var(--primary) !important;
        padding: 12px 15px !important;
    }

    .navbar-nav .nav-link:hover {
        background: var(--cream);
    }

    .navbar-nav .nav-link::after {
        display: none;
    }

    h1 { font-size: 1.8rem; }
    h2 { font-size: 1.5rem; }
    h3 { font-size: 1.3rem; }

    .section-space80, .section-space100 {
        padding: 40px 0 !important;
    }

    .page-header {
        padding: 40px 0;
    }

    .page-title {
        font-size: 1.6rem !important;
    }

    .overlay-section {
        margin-top: -30px;
    }

    .rate-counter-block {
        margin-bottom: 20px;
    }

    .loan-rate {
        font-size: 1.8rem;
    }

    .testimonial-block {
        margin-bottom: 30px;
    }

    .footer-widget {
        margin-bottom: 30px;
    }
}

/* MOBILE (max 767px) */
@media (max-width: 767px) {
    .quick-info {
        display: none !important;
    }

    .logo-text {
        font-size: 1.4rem !important;
    }

    h1 { font-size: 1.5rem; }
    h2 { font-size: 1.3rem; }

    .section-space80, .section-space100 {
        padding: 35px 0 !important;
    }

    .section-title {
        margin-bottom: 22px !important;
    }

    .section-title h1 {
        font-size: 1.5rem;
    }

    .section-title p {
        font-size: 0.95rem;
    }

    .btn {
        padding: 10px 20px;
        font-size: 14px;
    }

    .btn-action {
        text-align: center;
        margin-top: 15px;
    }

    .card-body {
        padding: 20px;
    }

    .feature {
        text-align: center;
        margin-bottom: 25px;
    }

    .feature-icon {
        margin-bottom: 15px;
    }

    .page-header {
        padding: 30px 0;
    }

    .page-title {
        font-size: 1.4rem !important;
    }

    .sub-nav {
        display: none;
    }

    .loan-rate {
        font-size: 1.5rem;
    }

    .rate-title {
        font-size: 12px;
    }

    .form-control {
        padding: 10px 15px;
        font-size: 14px;
    }

    .table {
        font-size: 13px;
    }
}

/* PETIT MOBILE (max 480px) */
@media (max-width: 480px) {
    .container {
        padding-left: 15px;
        padding-right: 15px;
    }

    h1 { font-size: 1.3rem; }
    h2 { font-size: 1.2rem; }

    .logo-text {
        font-size: 1.2rem !important;
    }

    .section-space80, .section-space100 {
        padding: 25px 0 !important;
    }

    .pinside40 {
        padding: 20px !important;
    }

    .card-body {
        padding: 15px;
    }

    .btn {
        padding: 8px 16px;
        font-size: 13px;
        width: 100%;
    }

    .btn + .btn {
        margin-top: 10px;
    }

    .rate-counter-block {
        padding: 15px 10px;
    }

    .loan-rate {
        font-size: 1.3rem;
    }

    .footer-bottom {
        text-align: center;
    }

    .footer-bottom .text-right {
        text-align: center !important;
        margin-top: 10px;
    }
}

/* ============ UTILITIES ============ */
.text-gradient {
    background: var(--gradient-secondary);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.bg-gradient-primary {
    background: var(--gradient-primary) !important;
}

.bg-gradient-secondary {
    background: var(--gradient-secondary) !important;
}

.rounded-xl {
    border-radius: var(--radius-lg) !important;
}

.shadow-custom {
    box-shadow: var(--shadow-lg) !important;
}

/* ============ FORMULAIRES V2 - Sharp Geometric ============ */

/* Wrapper formulaire (titre + card) */
.form-wrapper {
    max-width: 680px;
    margin-left: auto;
    margin-right: auto;
}

/* En-tete au-dessus de la card */
.form-header {
    text-align: center;
    margin-bottom: 20px;
}

.form-header h2 {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 6px;
}

.form-header p {
    color: #6b7280;
    font-size: 0.9rem;
    margin-bottom: 0;
}

.form-header .form-header-line {
    width: 50px;
    height: 3px;
    background: var(--secondary);
    margin: 14px auto 0;
    border-radius: 0;
}

/* Card formulaire */
.card-form {
    background: var(--white);
    border-radius: 6px;
    box-shadow: none;
    border: 1px solid #e5e7eb;
    overflow: hidden;
}

.card-form .card-form-body {
    padding: 26px 28px;
}

/* Ancien banner (retrocompatibilite) */
.form-cta-banner {
    display: none;
}

/* Sous-titres de section */
.form-section-title {
    font-size: 11px;
    font-weight: 700;
    color: var(--primary);
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 14px;
    padding-bottom: 8px;
    border-bottom: 1px solid #e5e7eb;
    display: flex;
    align-items: center;
    gap: 8px;
}

.form-section-title i {
    color: var(--secondary);
    font-size: 12px;
}

/* Labels */
.card-form label,
.form-enhanced label {
    display: none;
}

/* Input avec icone */
.card-form .input-icon-group,
.form-enhanced .input-icon-group {
    position: relative;
}

.card-form .input-icon-group .input-icon,
.form-enhanced .input-icon-group .input-icon {
    position: absolute;
    left: 12px;
    top: 50%;
    transform: translateY(-50%);
    color: #9ca3af;
    font-size: 13px;
    z-index: 2;
    pointer-events: none;
    transition: color 0.2s ease;
}

.card-form .input-icon-group .form-control:focus ~ .input-icon,
.card-form .input-icon-group:focus-within .input-icon {
    color: var(--primary);
}

.card-form .input-icon-group .form-control,
.form-enhanced .input-icon-group .form-control {
    padding-left: 36px;
}

.card-form .input-icon-group textarea.form-control {
    padding-top: 12px;
}

.card-form .input-icon-group .input-icon.icon-textarea {
    top: 16px;
    transform: none;
}

/* Champs */
.card-form .form-control,
.form-enhanced .form-control {
    border: 1px solid #d1d5db;
    border-radius: 6px;
    padding: 11px 14px;
    font-size: 13.5px;
    transition: all 0.2s ease;
    background: #fafafa;
    color: var(--dark);
}

.card-form .form-control:focus,
.form-enhanced .form-control:focus {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(30, 58, 95, 0.06);
    background: var(--white);
    color: var(--dark);
}

.card-form .form-group,
.form-enhanced .form-group {
    margin-bottom: 12px;
}

.card-form select.form-control,
.form-enhanced select.form-control {
    appearance: auto;
    background: #fafafa;
}

.card-form .form-control::placeholder {
    color: #9ca3af;
    font-size: 13px;
}

/* Bouton de soumission */
.btn-submit-form {
    background: var(--primary);
    color: var(--white);
    border: none;
    border-radius: 6px;
    padding: 13px 30px;
    font-size: 13px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.8px;
    transition: all 0.2s ease;
    box-shadow: none;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    width: 100%;
    justify-content: center;
    text-decoration: none;
}

.btn-submit-form:hover {
    background: var(--secondary);
    color: var(--white);
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(200, 150, 62, 0.25);
    text-decoration: none;
}

.btn-submit-form i {
    font-size: 14px;
}

/* Texte RGPD */
.form-rgpd-text {
    font-size: 11px;
    color: #9ca3af;
    line-height: 1.5;
    margin-top: 14px;
    padding-top: 14px;
    border-top: 1px solid #e5e7eb;
}

.form-rgpd-text i {
    color: var(--secondary);
    margin-right: 4px;
}

/* Fond contraste */
.form-section-bg {
    background: var(--cream);
    padding: 40px 0;
}

/* Separateur */
.form-divider {
    border: none;
    border-top: 1px solid #e5e7eb;
    margin: 16px 0;
}

/* Section contact */
.contact-credit-section {
    background: var(--gradient-hero);
    padding: 60px 0;
    margin-top: 40px;
}

.contact-credit-section h2,
.contact-credit-section p {
    color: var(--white);
}

/* ============ PAGE DEMANDE DE CREDIT V2 ============ */
.credit-request-hero {
    background: var(--primary);
    background-size: cover;
    background-position: center;
    padding: 40px 0 30px;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.credit-request-hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(15, 30, 51, 0.88) 0%, rgba(30, 58, 95, 0.82) 100%);
    z-index: 0;
}

.credit-request-hero::after {
    display: none;
}

.credit-request-hero h1 {
    color: var(--white);
    font-size: 2rem;
    margin-bottom: 10px;
    position: relative;
    z-index: 1;
}

.credit-request-hero > .container {
    position: relative;
    z-index: 1;
}

.credit-request-hero p {
    color: rgba(255, 255, 255, 0.8);
    font-size: 1rem;
    margin-bottom: 20px;
}

.hero-badges {
    display: flex;
    justify-content: center;
    gap: 12px;
    flex-wrap: wrap;
}

.hero-badge {
    background: rgba(255, 255, 255, 0.1);
    color: var(--white);
    padding: 8px 16px;
    border-radius: 6px;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.3px;
    border: 1px solid rgba(255, 255, 255, 0.15);
}

.hero-badge i {
    margin-right: 5px;
    color: var(--secondary-light);
}

.credit-request-form-section {
    background: #f3f4f6;
    padding: 40px 0;
}

/* Layout formulaire + sidebar */
.credit-request-layout {
    display: flex;
    gap: 28px;
    align-items: flex-start;
}

.credit-request-layout .form-wrapper {
    flex: 1;
    max-width: none;
}
.credit-request-layout .card-form {
    max-width: none;
}

/* Sidebar */
.credit-sidebar {
    width: 300px;
    flex-shrink: 0;
    position: sticky;
    top: 88px;
}

.credit-sidebar-card {
    background: var(--white);
    border-radius: 6px;
    box-shadow: none;
    overflow: hidden;
    margin-bottom: 16px;
    border: 1px solid #d1d5db;
}

.credit-sidebar-card .sidebar-header {
    background: var(--primary);
    color: var(--white);
    padding: 14px 20px;
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.8px;
    display: flex;
    align-items: center;
    gap: 8px;
}

.credit-sidebar-card .sidebar-body {
    padding: 16px 20px;
}

.sidebar-stat {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 10px 0;
    border-bottom: 1px solid #e5e7eb;
}

.sidebar-stat:last-child {
    border-bottom: none;
}

.sidebar-stat-icon {
    width: 34px;
    height: 34px;
    border-radius: 6px;
    background: rgba(30, 58, 95, 0.06);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary);
    font-size: 13px;
    flex-shrink: 0;
}

.sidebar-stat-text {
    font-size: 13px;
    color: #5a5a78;
    line-height: 1.3;
}

.sidebar-stat-text strong {
    display: block;
    font-size: 14px;
    color: var(--primary);
}

/* Card etapes sidebar */
.credit-step-list {
    list-style: none;
    padding: 0;
    margin: 0;
}

.credit-step-item {
    display: flex;
    gap: 12px;
    padding: 12px 0;
    border-bottom: 1px solid #e5e7eb;
}

.credit-step-item:last-child {
    border-bottom: none;
}

.credit-step-num {
    width: 26px;
    height: 26px;
    border-radius: 6px;
    background: var(--primary);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 11px;
    font-weight: 700;
    flex-shrink: 0;
}

.credit-step-text {
    font-size: 13px;
    color: #5a5a78;
    line-height: 1.4;
}

.credit-step-text strong {
    color: var(--primary);
}

/* Bandeau confiance */
.trust-banner {
    background: #faf8f5;
    border-radius: 6px;
    padding: 18px 20px;
    text-align: center;
    border: 1px solid rgba(200, 150, 62, 0.2);
    border-left: 3px solid var(--secondary);
}

.trust-banner i {
    color: var(--secondary);
    font-size: 20px;
    margin-bottom: 8px;
}

.trust-banner p {
    font-size: 13px;
    color: #5a5a78;
    margin: 0;
    line-height: 1.4;
}

.trust-banner strong {
    color: var(--primary);
}

@media (max-width: 991px) {
    .credit-request-layout {
        flex-direction: column;
    }
    .credit-sidebar {
        width: 100%;
        position: static;
        display: flex;
        gap: 12px;
        flex-wrap: wrap;
    }
    .credit-sidebar-card {
        flex: 1;
        min-width: 250px;
        margin-bottom: 0;
    }
    .trust-banner {
        width: 100%;
    }
}

@media (max-width: 767px) {
    .credit-request-hero {
        padding: 30px 0 25px;
    }
    .credit-request-hero h1 {
        font-size: 1.4rem;
    }
    .hero-badge {
        font-size: 11px;
        padding: 6px 12px;
    }
    .credit-request-form-section {
        padding: 25px 0;
    }
    .credit-sidebar {
        flex-direction: column;
    }
    .credit-sidebar-card {
        min-width: auto;
    }
}

/* Responsive formulaires */
@media (max-width: 767px) {
    .card-form .card-form-body {
        padding: 20px 18px;
    }
    .form-header h2 {
        font-size: 1.25rem;
    }
    .form-header {
        margin-bottom: 20px;
    }
    .btn-submit-form {
        padding: 11px 18px;
        font-size: 12px;
    }
    .form-section-bg {
        padding: 25px 0;
    }
    .card-form .form-group,
    .form-enhanced .form-group {
        margin-bottom: 8px;
    }
    .form-section-title {
        font-size: 10px;
        margin-bottom: 10px;
    }
    .form-divider {
        margin: 10px 0;
    }
}

@media (max-width: 480px) {
    .card-form .card-form-body {
        padding: 16px 14px;
    }
    .form-header h2 {
        font-size: 1.15rem;
    }
}

/* ============ HERO PREMIUM (Homepage) ============ */
.hero-premium {
    background: var(--gradient-hero);
    min-height: 70vh;
    display: flex;
    align-items: center;
    position: relative;
    overflow: hidden;
    padding: 60px 0;
}

.hero-premium::before {
    content: '';
    position: absolute;
    top: -20%;
    right: -10%;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(200, 150, 62, 0.12) 0%, transparent 70%);
    pointer-events: none;
}

.hero-premium::after {
    content: '';
    position: absolute;
    bottom: -15%;
    left: -5%;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(200, 150, 62, 0.08) 0%, transparent 70%);
    pointer-events: none;
}

.hero-premium .container {
    position: relative;
    z-index: 2;
}

.hero-premium h1 {
    color: var(--white);
    font-size: 3.2rem;
    font-weight: 800;
    line-height: 1.15;
    margin-bottom: 20px;
    max-width: 700px;
}

.hero-premium h1 span {
    color: var(--secondary-light);
}

.hero-premium p {
    color: rgba(255, 255, 255, 0.8);
    font-size: 1.15rem;
    max-width: 550px;
    margin-bottom: 35px;
    line-height: 1.7;
}

.hero-trust-cards {
    display: flex;
    gap: 20px;
    margin-top: 50px;
    flex-wrap: wrap;
}

.hero-trust-card {
    background: rgba(255, 255, 255, 0.08);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: var(--radius-lg);
    padding: 22px 28px;
    display: flex;
    align-items: center;
    gap: 15px;
    min-width: 200px;
    transition: var(--transition);
}

.hero-trust-card:hover {
    background: rgba(255, 255, 255, 0.12);
    transform: translateY(-3px);
}

.hero-trust-card .trust-number {
    font-size: 2rem;
    font-weight: 800;
    color: var(--secondary-light);
    line-height: 1;
}

.hero-trust-card .trust-label {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.75);
    line-height: 1.3;
}

@media (max-width: 991px) {
    .hero-premium {
        min-height: auto;
        padding: 60px 0;
    }
    .hero-premium h1 {
        font-size: 2.2rem;
    }
}

@media (max-width: 767px) {
    .hero-premium {
        padding: 45px 0;
    }
    .hero-premium h1 {
        font-size: 1.7rem;
    }
    .hero-premium p {
        font-size: 1rem;
    }
    .hero-trust-cards {
        flex-direction: column;
        gap: 12px;
    }
    .hero-trust-card {
        padding: 16px 20px;
    }
}

/* ============ SOLUTION HERO (Loan pages) ============ */
.solution-hero {
    background: var(--gradient-hero);
    padding: 55px 0;
    position: relative;
    overflow: hidden;
}

/* Variante avec image de fond */
.solution-hero[data-bg] {
    background-size: cover;
    background-position: center;
}

.solution-hero[data-bg]::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(15, 30, 51, 0.88) 0%, rgba(30, 58, 95, 0.82) 100%);
    z-index: 1;
}

.solution-hero::before {
    content: '';
    position: absolute;
    top: -30%;
    right: -10%;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(200, 150, 62, 0.1) 0%, transparent 70%);
    pointer-events: none;
    z-index: 2;
}

.solution-hero .container {
    position: relative;
    z-index: 2;
}

.solution-hero h1 {
    color: var(--white);
    font-size: 2.6rem;
    font-weight: 800;
    margin-bottom: 15px;
    line-height: 1.2;
}

.solution-hero p {
    color: rgba(255, 255, 255, 0.8);
    font-size: 1.05rem;
    max-width: 600px;
}

.solution-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(200, 150, 62, 0.15);
    border: 1px solid rgba(200, 150, 62, 0.3);
    color: var(--secondary-light);
    padding: 8px 20px;
    border-radius: 6px;
    font-size: 13px;
    font-weight: 600;
    margin-bottom: 20px;
    backdrop-filter: blur(5px);
}

.solution-badge i {
    font-size: 14px;
}

.solution-key-facts {
    background: rgba(255, 255, 255, 0.06);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: 6px;
    padding: 30px;
}

.solution-key-facts .fact-item {
    text-align: center;
    padding: 10px;
}

.solution-key-facts .fact-value,
.solution-key-facts strong {
    font-size: 1.4rem;
    font-weight: 800;
    color: var(--secondary-light);
    line-height: 1.2;
    margin-bottom: 5px;
    display: block;
    word-break: break-word;
}

.solution-key-facts .fact-label,
.solution-key-facts span {
    font-size: 12px;
    color: rgba(255, 255, 255, 0.65);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    display: block;
    margin-top: 4px;
}

@media (max-width: 991px) {
    .solution-hero { padding: 40px 0; }
    .solution-hero h1 { font-size: 2rem; }
    .solution-key-facts { margin-top: 30px; }
}

@media (max-width: 767px) {
    .solution-hero { padding: 30px 0; }
    .solution-hero h1 { font-size: 1.5rem; }
    .solution-key-facts { padding: 20px; }
    .solution-key-facts .fact-value { font-size: 1.4rem; }
}

/* ============ TRUST STATS (Homepage) ============ */
.trust-stat {
    text-align: center;
    padding: 30px 20px;
}

.trust-stat .stat-icon {
    width: 60px;
    height: 60px;
    border-radius: 6px;
    background: rgba(200, 150, 62, 0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 15px;
    color: var(--secondary);
    font-size: 24px;
}

.trust-stat .stat-value {
    font-size: 2rem;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 5px;
}

.trust-stat .stat-label {
    font-size: 14px;
    color: var(--gray);
}

/* ============ TIMELINE (Comment ca marche & Homepage) ============ */
.timeline-steps {
    display: flex;
    justify-content: space-between;
    position: relative;
    padding: 20px 0;
}

.timeline-steps::before {
    content: '';
    position: absolute;
    top: 75px;
    left: 10%;
    right: 10%;
    height: 3px;
    background: var(--gray-light);
    z-index: 0;
}

.timeline-step {
    text-align: center;
    position: relative;
    z-index: 1;
    flex: 1;
    max-width: 220px;
    padding: 0 15px;
}

.timeline-step .step-number {
    width: 56px;
    height: 56px;
    border-radius: 6px;
    background: var(--gradient-secondary);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    font-weight: 800;
    margin: 0 auto 20px;
    box-shadow: var(--shadow-gold);
    position: relative;
}

.timeline-step h4 {
    font-size: 1rem;
    margin-bottom: 8px;
}

.timeline-step p {
    font-size: 0.9rem;
    color: var(--gray);
    line-height: 1.5;
}

@media (max-width: 767px) {
    .timeline-steps {
        flex-direction: column;
        gap: 30px;
        align-items: center;
    }
    .timeline-steps::before {
        top: 0;
        bottom: 0;
        left: 28px;
        right: auto;
        width: 3px;
        height: 100%;
    }
    .timeline-step {
        display: flex;
        text-align: left;
        max-width: 100%;
        gap: 20px;
        align-items: flex-start;
    }
    .timeline-step .step-number {
        margin: 0;
        flex-shrink: 0;
    }
}

/* ============ CONVICTION CARDS (About, Homepage) ============ */
.conviction-card {
    background: var(--white);
    border-radius: 6px;
    padding: 25px 22px;
    box-shadow: var(--shadow);
    border: 1px solid rgba(30, 58, 95, 0.06);
    transition: var(--transition);
    height: 100%;
    border-top: 4px solid transparent;
}

.conviction-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    border-top-color: var(--secondary);
}

.conviction-card .conviction-icon {
    width: 60px;
    height: 60px;
    border-radius: 6px;
    background: rgba(200, 150, 62, 0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--secondary);
    font-size: 24px;
    margin-bottom: 20px;
}

.conviction-card h4 {
    font-size: 1.15rem;
    margin-bottom: 12px;
}

.conviction-card p {
    font-size: 0.95rem;
    color: var(--gray);
    line-height: 1.7;
}

.conviction-card-icon {
    width: 60px;
    height: 60px;
    border-radius: 6px;
    background: rgba(200, 150, 62, 0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--secondary);
    font-size: 22px;
    margin-bottom: 18px;
}

/* ============ SOLUTION CARDS (Homepage) ============ */
.solution-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow);
    border: 1px solid rgba(30, 58, 95, 0.06);
    padding: 35px 28px;
    text-align: center;
    transition: var(--transition);
    height: 100%;
    position: relative;
    overflow: hidden;
}

.solution-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--gradient-secondary);
    transform: scaleX(0);
    transition: transform 0.4s ease;
}

.solution-card:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-xl);
}

.solution-card:hover::before {
    transform: scaleX(1);
}

.solution-card .solution-icon {
    width: 70px;
    height: 70px;
    border-radius: 6px;
    background: rgba(30, 58, 95, 0.06);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    font-size: 28px;
    color: var(--primary);
    transition: var(--transition);
}

.solution-card:hover .solution-icon {
    background: var(--gradient-secondary);
    color: var(--white);
}

.solution-card h4 {
    font-size: 1.1rem;
    margin-bottom: 10px;
}

.solution-card p {
    font-size: 0.9rem;
    color: var(--gray);
    margin-bottom: 20px;
}

.solution-card .solution-rate {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--secondary);
    margin-bottom: 5px;
}

.solution-card .solution-rate-label {
    font-size: 12px;
    color: var(--gray);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

/* ============ CTA FINAL SECTION ============ */
.cta-final {
    background: var(--gradient-hero);
    padding: 50px 0;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.cta-final::before {
    content: '';
    position: absolute;
    top: -50%;
    left: 50%;
    transform: translateX(-50%);
    width: 800px;
    height: 800px;
    background: radial-gradient(circle, rgba(200, 150, 62, 0.08) 0%, transparent 60%);
    pointer-events: none;
}

.cta-final .container {
    position: relative;
    z-index: 2;
}

.cta-final h2 {
    color: var(--white);
    font-size: 2.2rem;
    margin-bottom: 15px;
}

.cta-final p {
    color: rgba(255, 255, 255, 0.75);
    font-size: 1.05rem;
    max-width: 500px;
    margin: 0 auto 30px;
}

/* ============ DISTINCTION CARDS (Loan pages) ============ */
.distinction-card {
    background: var(--white);
    border-radius: 6px;
    padding: 22px;
    box-shadow: var(--shadow);
    border: 1px solid rgba(30, 58, 95, 0.06);
    transition: var(--transition);
    height: 100%;
}

.distinction-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: rgba(200, 150, 62, 0.15);
}

/* Layout horizontal (icon + texte) */
.distinction-card:not(.text-center) {
    display: flex;
    gap: 20px;
    align-items: flex-start;
}

/* Layout vertical centre */
.distinction-card.text-center i.fa-2x,
.distinction-card.text-center i.fas {
    color: var(--secondary);
}

.distinction-card .distinction-icon {
    width: 50px;
    height: 50px;
    border-radius: 6px;
    background: rgba(200, 150, 62, 0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--secondary);
    font-size: 20px;
    flex-shrink: 0;
}

.distinction-card h4,
.distinction-card h5 {
    font-size: 1rem;
    margin-bottom: 6px;
}

.distinction-card p {
    font-size: 0.9rem;
    color: var(--gray);
    margin: 0;
    line-height: 1.6;
}

/* ============ FAQ ACCORDION ENHANCED ============ */
.faq-accordion .card {
    border: 1px solid rgba(30, 58, 95, 0.08);
    border-radius: 6px !important;
    margin-bottom: 10px;
    overflow: hidden;
}

.faq-accordion .card-header {
    background: var(--white);
    border-bottom: none;
    padding: 0;
}

.faq-accordion .card-header button,
.faq-accordion .card-header a,
.faq-accordion .card-header h5 > a {
    width: 100%;
    text-align: left;
    padding: 18px 24px;
    font-size: 15px;
    font-weight: 600;
    color: var(--primary);
    text-decoration: none;
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: var(--transition);
}

.faq-accordion .card-header h5 {
    margin: 0;
}

.faq-accordion .card-header h5 > a .fa-plus-circle {
    display: none;
}

.faq-accordion .card-header button:hover,
.faq-accordion .card-header a:hover {
    color: var(--secondary);
    text-decoration: none;
}

.faq-accordion .card-header button::after,
.faq-accordion .card-header h5 > a::after {
    content: '\f078';
    font-family: 'Font Awesome 5 Free';
    font-weight: 900;
    font-size: 12px;
    color: var(--secondary);
    transition: transform 0.3s ease;
    flex-shrink: 0;
}

.faq-accordion .card-header button[aria-expanded="true"]::after,
.faq-accordion .card-header h5 > a[aria-expanded="true"]::after {
    transform: rotate(180deg);
}

.faq-accordion .card-body {
    padding: 0 24px 20px;
    color: var(--gray);
    font-size: 14px;
    line-height: 1.7;
}

/* ============ GOLDEN LIST (Loan pages) ============ */
.golden-list {
    list-style: none;
    padding: 0;
    margin: 0;
}

.golden-list li {
    padding: 10px 0;
    padding-left: 28px;
    position: relative;
    color: #5a5a78;
    font-size: 15px;
    border-bottom: 1px solid rgba(30, 58, 95, 0.06);
}

.golden-list li:last-child {
    border-bottom: none;
}

.golden-list li::before {
    content: '\f00c';
    font-family: 'Font Awesome 5 Free';
    font-weight: 900;
    position: absolute;
    left: 0;
    top: 12px;
    color: var(--secondary);
    font-size: 12px;
}

/* ============ CONDITION COLUMNS (Loan pages) ============ */
.condition-col {
    background: var(--white);
    border-radius: 6px;
    padding: 22px 20px;
    box-shadow: var(--shadow);
    border: 1px solid rgba(30, 58, 95, 0.06);
    text-align: center;
    height: 100%;
}

/* Support icone directe (sans .condition-icon wrapper) */
.condition-col > i.fas,
.condition-col > i.fa {
    color: var(--primary);
}

.condition-col .condition-icon {
    width: 50px;
    height: 50px;
    border-radius: 6px;
    background: rgba(30, 58, 95, 0.06);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 15px;
    color: var(--primary);
    font-size: 20px;
}

.condition-col h5 {
    font-size: 1rem;
    margin-bottom: 10px;
}

.condition-col p {
    font-size: 0.9rem;
    color: var(--gray);
    margin: 0;
}

/* ============ COMPARE TABLE (credits.php) ============ */
.compare-table {
    background: var(--white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow);
}

.compare-table table {
    margin: 0;
}

.compare-table thead th {
    background: var(--gradient-primary);
    color: var(--white);
    font-weight: 600;
    font-size: 14px;
    padding: 16px 20px;
    border: none;
}

.compare-table tbody td {
    padding: 14px 20px;
    font-size: 14px;
    color: #5a5a78;
    border-color: rgba(30, 58, 95, 0.06);
    vertical-align: middle;
}

.compare-table tbody tr:hover {
    background: var(--cream);
}

/* ============ CONTACT CARDS (contact-us.php) ============ */
.contact-method-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 35px 25px;
    text-align: center;
    box-shadow: var(--shadow);
    border: 1px solid rgba(30, 58, 95, 0.06);
    transition: var(--transition);
    height: 100%;
}

.contact-method-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(200, 150, 62, 0.15);
}

.contact-method-card .method-icon {
    width: 65px;
    height: 65px;
    border-radius: 6px;
    background: rgba(200, 150, 62, 0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 18px;
    color: var(--secondary);
    font-size: 26px;
}

.contact-method-card h5 {
    margin-bottom: 10px;
}

.contact-method-card p {
    font-size: 0.9rem;
    color: var(--gray);
    margin-bottom: 15px;
}

/* ============ DOCUMENT CHECKLIST (comment-ca-marche) ============ */
.doc-checklist {
    list-style: none;
    padding: 0;
    margin: 0;
}

.doc-checklist li {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 14px 0;
    border-bottom: 1px solid rgba(30, 58, 95, 0.06);
    font-size: 15px;
    color: #5a5a78;
}

.doc-checklist li:last-child {
    border-bottom: none;
}

.doc-checklist li i {
    color: var(--secondary);
    font-size: 16px;
    flex-shrink: 0;
}


/* =============================================
   TESTIMONIALS SECTION
   ============================================= */
.testi-section {
    padding: 80px 0 90px;
    background: #fff;
}

.testi-badge {
    display: inline-flex;
    gap: 4px;
    margin-bottom: 18px;
}

.testi-badge i,
.testi-stars i {
    color: #f4b400;
    font-size: 15px;
}

.testi-title {
    font-size: 2rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 14px;
    line-height: 1.25;
}

.testi-subtitle {
    font-size: 1.05rem;
    color: #6b7280;
    margin-bottom: 50px;
}

.testi-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
    align-items: start;
}

.testi-card {
    background: #f9fafb;
    border: 1px solid #e8ecf0;
    border-radius: 14px;
    padding: 34px 28px 28px;
    position: relative;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.testi-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 16px 40px rgba(15, 52, 96, 0.10);
}

.testi-card--featured {
    background: var(--primary);
    border-color: var(--primary);
    transform: translateY(-10px);
    box-shadow: 0 20px 48px rgba(15, 52, 96, 0.22);
}

.testi-card--featured:hover {
    transform: translateY(-14px);
    box-shadow: 0 26px 56px rgba(15, 52, 96, 0.28);
}

.testi-card--featured .testi-text,
.testi-card--featured .testi-info strong,
.testi-card--featured .testi-info span {
    color: #fff;
}

.testi-card--featured .testi-stars i {
    color: #f4b400;
}

.testi-card--featured .testi-quote i {
    color: rgba(255, 255, 255, 0.25);
}

.testi-quote {
    position: absolute;
    top: 24px;
    right: 24px;
}

.testi-quote i {
    font-size: 2.4rem;
    color: rgba(15, 52, 96, 0.08);
}

.testi-stars {
    display: flex;
    gap: 3px;
    margin-bottom: 16px;
}

.testi-text {
    font-size: 0.97rem;
    line-height: 1.7;
    color: #374151;
    margin-bottom: 24px;
    min-height: 80px;
}

.testi-author {
    display: flex;
    align-items: center;
    gap: 14px;
    border-top: 1px solid rgba(0, 0, 0, 0.06);
    padding-top: 18px;
}

.testi-card--featured .testi-author {
    border-top-color: rgba(255, 255, 255, 0.18);
}

.testi-avatar {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    object-fit: cover;
    border: 2px solid #e8ecf0;
    flex-shrink: 0;
}

.testi-card--featured .testi-avatar {
    border-color: rgba(255, 255, 255, 0.4);
}

.testi-info {
    display: flex;
    flex-direction: column;
}

.testi-info strong {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--primary);
    line-height: 1.3;
}

.testi-info span {
    font-size: 0.82rem;
    color: #9ca3af;
    margin-top: 2px;
}

/* Responsive */
@media (max-width: 991px) {
    .testi-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .testi-card--featured {
        transform: none;
    }
    .testi-card--featured:hover {
        transform: translateY(-5px);
    }
}

@media (max-width: 600px) {
    .testi-grid {
        grid-template-columns: 1fr;
    }
    .testi-title {
        font-size: 1.6rem;
    }
    .testi-section {
        padding: 60px 0 70px;
    }
}

/* =============================================
   HOMEPAGE ANIMATIONS & COLOR ENHANCEMENTS
   ============================================= */

/* --- Scroll-reveal base --- */
.ao-item {
    opacity: 0;
    transform: translateY(32px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}
.ao-item.is-visible {
    opacity: 1;
    transform: translateY(0);
}

/* --- Hero entry animations --- */
.hp-hero-text {
    animation: heroFadeUp 0.9s ease both;
}
.hp-hero-btn {
    animation: heroFadeUp 0.9s 0.3s ease both;
}
.hp-stat {
    animation: heroFadeUp 0.7s ease both;
}
@keyframes heroFadeUp {
    from { opacity: 0; transform: translateY(28px); }
    to   { opacity: 1; transform: translateY(0); }
}

/* --- Section title with gold underline --- */
.hp-section-title h1,
.hp-section-title h2 {
    position: relative;
    display: inline-block;
    padding-bottom: 14px;
}
.hp-section-title h1::after,
.hp-section-title h2::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 50%;
    transform: translateX(-50%);
    width: 56px;
    height: 3px;
    background: linear-gradient(90deg, #c8963e 0%, #f0c060 100%);
    border-radius: 2px;
}

/* --- Conviction icon wrappers --- */
.conviction-icon-wrap {
    width: 64px;
    height: 64px;
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.6rem;
    margin: 0 auto 20px;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.hp-conviction:hover .conviction-icon-wrap {
    transform: scale(1.12) rotate(-4deg);
    box-shadow: 0 8px 24px rgba(0,0,0,0.13);
}
.conviction-icon-wrap--gold {
    background: linear-gradient(135deg, #f5e4b8 0%, #f0c060 100%);
    color: #a06b10;
}
.conviction-icon-wrap--navy {
    background: linear-gradient(135deg, #cdd8ea 0%, #3a6fa8 100%);
    color: #fff;
}
.conviction-icon-wrap--teal {
    background: linear-gradient(135deg, #b2e8e4 0%, #1ab8ad 100%);
    color: #fff;
}

/* --- Solution icon wrappers & hover tints --- */
.solution-icon-wrap {
    width: 56px;
    height: 56px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.4rem;
    margin-bottom: 18px;
    transition: transform 0.3s ease;
}
.hp-solution:hover .solution-icon-wrap {
    transform: scale(1.1) rotate(-3deg);
}
.hp-solution--immo .solution-icon-wrap  { background: linear-gradient(135deg,#ddeeff,#5ba3e0); color:#fff; }
.hp-solution--car .solution-icon-wrap   { background: linear-gradient(135deg,#e0f0e0,#4caf80); color:#fff; }
.hp-solution--personal .solution-icon-wrap { background: linear-gradient(135deg,#f9e8c8,#e09030); color:#fff; }
.hp-solution--edu .solution-icon-wrap   { background: linear-gradient(135deg,#e8d8f8,#8a50d0); color:#fff; }

.hp-solution {
    transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}
.hp-solution--immo:hover  { border-color: #5ba3e0 !important; box-shadow: 0 8px 28px rgba(91,163,224,0.18); }
.hp-solution--car:hover   { border-color: #4caf80 !important; box-shadow: 0 8px 28px rgba(76,175,128,0.18); }
.hp-solution--personal:hover { border-color: #e09030 !important; box-shadow: 0 8px 28px rgba(224,144,48,0.18); }
.hp-solution--edu:hover   { border-color: #8a50d0 !important; box-shadow: 0 8px 28px rgba(138,80,208,0.18); }

/* --- Step timeline --- */
.step-number-wrap {
    display: flex;
    align-items: center;
    margin-bottom: 18px;
}
.step-number-wrap .step-number {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: linear-gradient(135deg, #c8963e 0%, #f0c060 100%);
    color: #fff;
    font-size: 1.2rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 14px rgba(200,150,62,0.35);
    flex-shrink: 0;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.hp-step:hover .step-number {
    transform: scale(1.12);
    box-shadow: 0 6px 20px rgba(200,150,62,0.5);
}
.step-connector {
    flex: 1;
    height: 2px;
    margin-left: 12px;
    background: linear-gradient(90deg, rgba(200,150,62,0.45) 0%, transparent 100%);
}
/* Hide connector on last column */
.col-xl-3:last-child .step-connector,
.col-lg-3:last-child .step-connector {
    display: none;
}

/* --- Trust icon wrappers --- */
.trust-icon-wrap {
    width: 60px;
    height: 60px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    margin: 0 auto 16px;
    transition: transform 0.3s ease;
}
.hp-trust:hover .trust-icon-wrap {
    transform: scale(1.1) rotate(-4deg);
}
.trust-icon-wrap--navy { background: linear-gradient(135deg,#cdd8ea,#3a6fa8); color:#fff; }
.trust-icon-wrap--gold { background: linear-gradient(135deg,#f5e4b8,#f0c060); color:#a06b10; }
.trust-icon-wrap--teal { background: linear-gradient(135deg,#b2e8e4,#1ab8ad); color:#fff; }

/* --- hp-stat hero card stagger delay utility --- */
.hp-stat[data-delay="0"]   { animation-delay: 0.55s; }
.hp-stat[data-delay="150"] { animation-delay: 0.72s; }
.hp-stat[data-delay="300"] { animation-delay: 0.89s; }

/* =============================================
   SPLIT SECTIONS (Image + Text layouts)
   ============================================= */

.split-section { padding: 90px 0; }
.split-section--white { background: #fff; }
.split-section--cream { background: #fdf8f0; }

.split-eyebrow {
    display: inline-block;
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: #c8963e;
    background: rgba(200,150,62,0.1);
    padding: 5px 14px;
    border-radius: 20px;
    margin-bottom: 16px;
    border: 1px solid rgba(200,150,62,0.25);
}

.split-title {
    font-size: 2rem;
    font-weight: 700;
    color: #1a1a2e;
    line-height: 1.3;
    margin-bottom: 18px;
}

.split-text {
    font-size: 1rem;
    color: #4b5563;
    line-height: 1.8;
    margin-bottom: 28px;
}

.split-checklist {
    list-style: none;
    padding: 0;
    margin: 0 0 32px;
}
.split-checklist li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 0.97rem;
    color: #374151;
    margin-bottom: 12px;
}
.split-checklist li i {
    color: #c8963e;
    font-size: 1.1rem;
    margin-top: 2px;
    flex-shrink: 0;
}

.split-btn {
    display: inline-block;
    background: linear-gradient(135deg, #c8963e 0%, #f0c060 100%);
    color: #fff;
    font-weight: 600;
    font-size: 0.95rem;
    padding: 13px 32px;
    border-radius: 6px;
    text-decoration: none;
    transition: transform 0.2s ease, box-shadow 0.2s ease;
    box-shadow: 0 4px 14px rgba(200,150,62,0.3);
}
.split-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 22px rgba(200,150,62,0.45);
    color: #fff;
    text-decoration: none;
}

.split-img-col { padding: 20px; }
.split-img-wrap {
    position: relative;
    border-radius: 16px;
    overflow: hidden;
}
.split-img {
    width: 100%;
    height: 420px;
    object-fit: cover;
    border-radius: 16px;
    display: block;
    transition: transform 0.5s ease;
}
.split-img-wrap:hover .split-img {
    transform: scale(1.03);
}

/* Floating badge on split A */
.split-badge {
    position: absolute;
    bottom: 24px;
    left: 24px;
    background: #fff;
    border-radius: 12px;
    padding: 14px 20px;
    box-shadow: 0 8px 28px rgba(0,0,0,0.13);
    display: flex;
    flex-direction: column;
    align-items: center;
    min-width: 90px;
}
.split-badge-num {
    font-size: 1.6rem;
    font-weight: 700;
    color: #c8963e;
    line-height: 1;
}
.split-badge-txt {
    font-size: 0.72rem;
    color: #6b7280;
    text-align: center;
    margin-top: 4px;
    line-height: 1.3;
}

/* Decorative offset shape on split B */
.split-img-wrap--deco::before {
    content: '';
    position: absolute;
    top: -16px;
    left: -16px;
    right: 16px;
    bottom: 16px;
    background: linear-gradient(135deg, rgba(200,150,62,0.18), rgba(15,52,96,0.1));
    border-radius: 20px;
    z-index: 0;
}
.split-img-wrap--deco .split-img {
    position: relative;
    z-index: 1;
}

/* Mini feature cards (Split B) */
.split-mini-cards {
    display: flex;
    flex-direction: column;
    gap: 14px;
    margin-bottom: 32px;
}
.split-mini-card {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    background: #fff;
    border-radius: 12px;
    padding: 16px 20px;
    box-shadow: 0 2px 12px rgba(0,0,0,0.06);
    border: 1px solid rgba(0,0,0,0.05);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.split-mini-card:hover {
    transform: translateX(4px);
    box-shadow: 0 4px 18px rgba(0,0,0,0.1);
}
.split-mini-icon {
    width: 44px;
    height: 44px;
    border-radius: 10px;
    background: linear-gradient(135deg, #f5e4b8, #f0c060);
    color: #a06b10;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    flex-shrink: 0;
}
.split-mini-icon--navy {
    background: linear-gradient(135deg, #cdd8ea, #3a6fa8);
    color: #fff;
}
.split-mini-body { display: flex; flex-direction: column; }
.split-mini-body strong { font-size: 0.95rem; font-weight: 700; color: #1a1a2e; }
.split-mini-body span  { font-size: 0.85rem; color: #6b7280; margin-top: 2px; }

/* =============================================
   STATS BANNER (full-width image background)
   ============================================= */

.stats-banner {
    padding: 80px 0;
    background: linear-gradient(rgba(15,52,96,0.85), rgba(15,52,96,0.85)),
                url('../images/counter-wrapper.jpg') center/cover no-repeat;
    color: #fff;
    text-align: center;
}
.stats-banner-item {
    padding: 20px;
    border-right: 1px solid rgba(255,255,255,0.15);
}
.col-lg-3:last-child .stats-banner-item { border-right: none; }
.stats-banner-num {
    font-size: 3rem;
    font-weight: 700;
    color: #f0c060;
    line-height: 1;
    margin-bottom: 8px;
}
.stats-banner-lbl { font-size: 0.95rem; opacity: 0.85; line-height: 1.4; }

/* Responsive */
@media (max-width: 991px) {
    .split-section { padding: 60px 0; }
    .split-title { font-size: 1.6rem; }
    .split-img { height: 300px; }
    .stats-banner-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.15); padding: 24px 0; }
    .col-lg-3:last-child .stats-banner-item { border-bottom: none; }
}
@media (max-width: 575px) {
    .stats-banner-num { font-size: 2.2rem; }
    .split-img { height: 220px; }
    .split-section { padding: 50px 0; }
}