/* ================================================================
   Credixa — Design System v2
   Color: Navy #0B1A2E · Gold #C8A951 · Cream #F7F3EC
   Font:  Playfair Display (headings) · Inter (body)
================================================================ */

/* ── Reset extras ── */
*, *::before, *::after { box-sizing: border-box; }
body { font-family: 'Inter', 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: 'Playfair Display', Georgia, 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:        #C8A951;
    --gold-light:  #E8CB72;
    --gold-pale:   #F5E9C8;
    --gold-dark:   #A88830;
    --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(200,169,81,.30);
    --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 .logo new-img { display: none; }
.is-home .site-header.header--transparent .logo new-img { display: block; }
.is-home .site-header.header--transparent .btn-primary { background: var(--gold); color: var(--navy); }

.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(--navy) !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(200,169,81,.12);
    border: 1px solid rgba(200,169,81,.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(200,169,81,.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: 'Playfair Display', 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(200,169,81,.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: 'Playfair Display', serif;
    font-size: clamp(2rem, 5vw, 3.5rem);
    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-label::before {
    content: '';
    width: 24px;
    height: 2px;
    background: var(--gold);
    border-radius: 2px;
}
.section-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(1.75rem, 3vw, 2.75rem);
    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 */
.service-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    border: 1px solid var(--gray-100);
    overflow: hidden;
    transition: all .25s ease;
    display: flex;
    flex-direction: column;
    height: 100%;
    box-shadow: var(--shadow-card);
}
.service-card:hover { box-shadow: var(--shadow-hover); transform: translateY(-4px); border-color: var(--gold-pale); }
.service-card__image {
    position: relative;
    height: 220px;
    overflow: hidden;
}
.service-card__image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform .5s ease;
}
.service-card:hover .service-card__image img { transform: scale(1.05); }
.service-card__image__overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(to top, rgba(11,26,46,.55) 0%, transparent 50%);
}
.service-card__body { padding: 1.5rem; flex: 1; display: flex; flex-direction: column; gap: .75rem; }
.service-card__icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    background: var(--gold-pale);
    border-radius: var(--radius-sm);
    color: var(--gold-dark);
    font-size: 1rem;
}
.service-card__title {
    font-family: 'Playfair Display', serif;
    font-size: 1.125rem;
    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: .875rem; color: var(--gray-500); line-height: 1.65; flex: 1; }
.service-card__link {
    display: inline-flex;
    align-items: center;
    gap: .375rem;
    font-size: .8125rem;
    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; }

/* Feature/step card */
.step-card { padding: 2rem; text-align: center; }
.step-card__number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 48px;
    height: 48px;
    background: var(--gold);
    color: var(--navy);
    font-weight: 800;
    font-size: .9375rem;
    border-radius: 50%;
    margin: 0 auto 1.25rem;
}
.step-card__icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 72px;
    height: 72px;
    background: var(--navy);
    border-radius: 50%;
    margin: 0 auto 1.5rem;
    overflow: hidden;
}
.step-card__icon img { width: 36px; filter: brightness(0) invert(1); }
.step-card__title {
    font-family: 'Playfair Display', serif;
    font-size: 1.125rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: .5rem;
}
.step-card__desc { font-size: .875rem; color: var(--gray-500); line-height: 1.65; margin: 0; }

/* ================================================================
   STAT (FUNFACT) SECTION
================================================================ */
.stat-item { text-align: center; padding: 2.5rem 1rem; }
.stat-item__number {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2.5rem, 5vw, 3.5rem);
    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: 'Playfair Display', serif;
    font-size: 6rem;
    color: var(--gold-pale);
    position: absolute;
    top: -.75rem;
    left: 1.5rem;
    line-height: 1;
    pointer-events: none;
}
.testimonial-card__quote {
    font-size: .9375rem;
    line-height: 1.75;
    color: var(--gray-700);
    margin-bottom: 1.25rem;
    position: relative;
    z-index: 1;
}
.testimonial-card__author {
    display: flex;
    align-items: center;
    gap: .875rem;
}
.testimonial-card__avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    object-fit: cover;
    border: 2px solid var(--gold-pale);
    background: var(--gray-100);
}
.testimonial-card__name {
    font-family: 'Playfair Display', serif;
    font-size: 1rem;
    font-weight: 700;
    color: var(--navy);
    margin: 0;
}
.testimonial-card__stars {
    display: flex;
    gap: 2px;
    margin-top: 2px;
}
.testimonial-card__stars i { color: var(--gold); font-size: .75rem; }

/* ================================================================
   ABOUT SECTION IMAGE
================================================================ */
.about-image-wrap { position: relative; }
.about-image-main {
    width: 100%;
    height: 500px;
    object-fit: cover;
    border-radius: var(--radius-xl);
    display: block;
}
.about-image-secondary {
    position: absolute;
    bottom: -1.5rem;
    right: -1.5rem;
    width: 46%;
    height: 200px;
    object-fit: cover;
    border-radius: var(--radius);
    border: 4px solid var(--white);
    box-shadow: var(--shadow-hover);
}
.about-badge {
    position: absolute;
    top: 2rem;
    left: -1.5rem;
    background: var(--gold);
    color: var(--navy);
    border-radius: var(--radius);
    padding: 1.25rem 1.5rem;
    text-align: center;
    box-shadow: var(--shadow-gold);
    z-index: 2;
}
.about-badge__number {
    font-family: 'Playfair Display', serif;
    font-size: 2.5rem;
    font-weight: 800;
    line-height: 1;
    display: block;
}
.about-badge__label {
    font-size: .6875rem;
    font-weight: 700;
    letter-spacing: .08em;
    text-transform: uppercase;
    display: block;
    margin-top: .25rem;
}
.about-highlight {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
    padding: 1.25rem 1.5rem;
    background: var(--cream);
    border-left: 3px solid var(--gold);
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    margin-bottom: 1.25rem;
}
.about-highlight__icon { color: var(--gold); font-size: 1.5rem; flex-shrink: 0; margin-top: .125rem; }
.about-highlight__text { font-size: .9375rem; color: var(--gray-700); margin: 0; line-height: 1.65; }
.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(200,169,81,.08) 0%, transparent 60%);
    border-radius: 50%;
    pointer-events: none;
}
.calc-wrapper {
    background: rgba(255,255,255,.04);
    border: 1px solid rgba(255,255,255,.08);
    -webkit-backdrop-filter: blur(4px);
    backdrop-filter: blur(4px);
    border-radius: var(--radius-xl);
    padding: 3rem;
}
.loan-calculator-form {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 2.5rem;
    box-shadow: 0 20px 60px rgba(0,0,0,.25);
    max-width: 540px;
    margin: 0 auto;
}
.loan-calculator-form__title {
    font-family: 'Playfair Display', serif;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 2rem;
    padding-bottom: 1rem;
    border-bottom: 1px solid var(--gray-100);
}
.input-box__top {
    display: flex;
    justify-content: space-between;
    font-size: .75rem;
    color: var(--gray-400);
    margin-bottom: .5rem;
    font-weight: 500;
}
.input-box__top-border { margin-top: 1.5rem; }
.noUi-connect { background: var(--gold) !important; }
.noUi-handle { border-color: var(--gold) !important; box-shadow: var(--shadow-gold) !important; }
.noUi-handle::before, .noUi-handle::after { background: var(--gold) !important; }
.loan-calculator-form__content p {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: .875rem 0;
    border-bottom: 1px solid var(--gray-100);
    font-size: .875rem;
    margin: 0;
}
.loan-calculator-form__content p span { color: var(--gray-500); }
.loan-calculator-form__content p b { color: var(--navy); font-weight: 700; font-size: 1rem; }
.loan-calculator-form__btn { width: 100%; justify-content: center; margin-top: 1.5rem; }

/* ================================================================
   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: 'Inter', 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(200,169,81,.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; }
.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(--navy); 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: 1.25rem 1.5rem;
    background: var(--white);
    border: none;
    border-radius: 0;
    font-family: 'Inter', sans-serif;
    font-size: .9375rem;
    font-weight: 600;
    color: var(--navy);
    text-align: left;
    cursor: pointer;
    transition: background .2s ease, color .2s ease;
}
.faq-btn.is-open {
    background: var(--navy);
    color: var(--white);
}
.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: rgba(200,169,81,.2);
    color: var(--gold);
}
.faq-body {
    padding: 1.25rem 1.5rem;
    font-size: .9375rem;
    color: var(--gray-500);
    line-height: 1.8;
    background: var(--white);
    border-top: 1px solid var(--gray-100);
}

/* ================================================================
   CONTACT PAGE
================================================================ */
.contact-info-bar { background: var(--navy); padding: 3rem 0; }
.contact-info-card {
    display: flex;
    align-items: flex-start;
    gap: 1.25rem;
    padding: 1.75rem;
    background: rgba(255,255,255,.05);
    border: 1px solid rgba(255,255,255,.08);
    border-left: 3px solid var(--gold);
    border-radius: var(--radius);
    transition: background .2s ease;
    height: 100%;
}
.contact-info-card:hover { background: rgba(255,255,255,.08); }
.contact-info-card__icon {
    width: 48px;
    height: 48px;
    background: rgba(200,169,81,.15);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold);
    font-size: 1.125rem;
    flex-shrink: 0;
}
.contact-info-card__title { font-size: .75rem; text-transform: uppercase; letter-spacing: .08em; color: var(--gold); font-weight: 700; margin: 0 0 .375rem; }
.contact-info-card__value { font-size: .9375rem; color: rgba(255,255,255,.85); margin: 0; line-height: 1.5; }
.contact-info-card__value a { color: rgba(255,255,255,.85); }
.contact-info-card__value a:hover { color: var(--gold); }

.contact-image-panel {
    position: relative;
    border-radius: var(--radius-xl);
    overflow: hidden;
    min-height: 520px;
    height: 100%;
}
.contact-image-panel__img {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
}
.contact-image-panel::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(to top, rgba(11,26,46,.95) 0%, rgba(11,26,46,.65) 50%, rgba(11,26,46,.35) 100%);
}
.contact-image-panel__info {
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 2;
    padding: 2rem;
}
.contact-panel__company { margin-bottom: 1.5rem; padding-bottom: 1.25rem; border-bottom: 1px solid rgba(255,255,255,.12); }
.contact-panel__company h3 { font-family: 'Playfair Display', serif; font-size: 1.375rem; color: var(--white); margin: 0 0 .5rem; font-weight: 700; }
.contact-panel__company p { font-size: .875rem; color: rgba(255,255,255,.6); margin: 0; line-height: 1.6; }
.contact-panel__item { display: flex; align-items: center; gap: 1rem; margin-bottom: 1rem; }
.contact-panel__item-icon { width: 36px; height: 36px; background: rgba(200,169,81,.15); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: var(--gold); font-size: .875rem; flex-shrink: 0; }
.contact-panel__item-label { font-size: .6875rem; text-transform: uppercase; letter-spacing: .08em; color: var(--gold); font-weight: 700; display: block; margin-bottom: .125rem; }
.contact-panel__item-value { font-size: .9rem; color: rgba(255,255,255,.85); }
.contact-panel__item-value a { color: rgba(255,255,255,.85); }
.contact-panel__item-value a:hover { color: var(--gold); }
.contact-panel__social { display: flex; gap: .5rem; margin-top: 1.25rem; }
.contact-panel__social a { width: 34px; height: 34px; background: rgba(255,255,255,.1); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,.65); font-size: .8125rem; transition: all .2s ease; }
.contact-panel__social a:hover { background: var(--gold); color: var(--navy); }

/* ================================================================
   FAQ PAGE
================================================================ */
.accordion-item { border: none !important; border-radius: var(--radius) !important; margin-bottom: .75rem; overflow: hidden; box-shadow: var(--shadow-card); }
.accordion-button {
    font-family: 'Inter', sans-serif;
    font-weight: 600;
    font-size: .9375rem;
    color: var(--navy) !important;
    background: var(--white) !important;
    padding: 1.25rem 1.5rem;
    box-shadow: none !important;
    border: none;
}
.accordion-button::after { background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%23C8A951'%3e%3cpath fill-rule='evenodd' d='M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .708.708l-6 6a.5.5 0 0 1-.708 0l-6-6a.5.5 0 0 1 0-.708z'/%3e%3c/svg%3e") !important; }
.accordion-button:not(.collapsed) { background: var(--navy) !important; color: var(--white) !important; }
.accordion-button:not(.collapsed)::after { background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%23C8A951'%3e%3cpath fill-rule='evenodd' d='M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .708.708l-6 6a.5.5 0 0 1-.708 0l-6-6a.5.5 0 0 1 0-.708z'/%3e%3c/svg%3e") !important; transform: rotate(180deg); }
.accordion-body { padding: 1.25rem 1.5rem; font-size: .9375rem; color: var(--gray-500); line-height: 1.8; background: var(--white); }
.faq-category-title {
    font-family: 'Playfair Display', serif;
    font-size: 1.125rem;
    font-weight: 700;
    color: var(--navy);
    padding-left: 1rem;
    border-left: 3px solid var(--gold);
    margin-bottom: 1rem;
    margin-top: 2.5rem;
}
.faq-category-title:first-child { margin-top: 0; }

/* ================================================================
   SERVICE DETAIL
================================================================ */
.service-sidebar { display: flex; flex-direction: column; gap: 1.5rem; }
.service-sidebar__widget {
    background: var(--cream);
    border-radius: var(--radius-xl);
    padding: 1.75rem;
    border: 1px solid rgba(200,169,81,.15);
}
.service-sidebar__title {
    font-family: 'Playfair Display', serif;
    font-size: 1.125rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 1.25rem;
    padding-bottom: .875rem;
    border-bottom: 2px solid var(--gold);
}
.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(--navy); }
.contact-widget h4 { font-family: 'Playfair Display', 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: 'Playfair Display', 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__thumbnail img { width: 100%; height: 420px; object-fit: cover; border-radius: var(--radius-xl); display: block; }
.service-detail__title { font-family: 'Playfair Display', serif; font-size: clamp(1.5rem, 2.5vw, 2rem); font-weight: 700; color: var(--navy); margin: 2rem 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: 'Playfair Display', serif; font-size: 1.125rem; font-weight: 700; color: var(--navy); margin-bottom: 1rem; padding-bottom: .75rem; border-bottom: 1px solid var(--gray-100); }
.advantage-list { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: .75rem; }
.advantage-list li {
    display: flex;
    align-items: flex-start;
    gap: .875rem;
    padding: 1rem 1.25rem;
    background: var(--cream);
    border-radius: var(--radius-sm);
    border-left: 3px solid var(--gold);
    font-size: .9375rem;
    color: var(--gray-700);
}
.advantage-list__icon { color: var(--gold); flex-shrink: 0; margin-top: .125rem; }
.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: 'Playfair Display', 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: 'Playfair Display', 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: 54px; filter: brightness(0) invert(1); 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(--navy); }
.footer-heading { font-family: 'Playfair Display', serif; font-size: 1rem; font-weight: 700; color: var(--white); margin-bottom: 1.25rem; padding-bottom: .875rem; border-bottom: 1px solid rgba(255,255,255,.08); position: relative; }
.footer-heading::after { content: ''; position: absolute; bottom: -1px; left: 0; width: 32px; height: 2px; background: var(--gold); border-radius: 2px; }
.footer-links { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: .625rem; }
.footer-links a { font-size: .875rem; color: rgba(255,255,255,.5); display: flex; align-items: center; gap: .5rem; transition: all .2s ease; }
.footer-links a::before { content: '›'; color: var(--gold); font-size: 1rem; flex-shrink: 0; }
.footer-links a:hover { color: var(--white); padding-left: .25rem; }
.footer-contact-item { display: flex; align-items: flex-start; gap: .875rem; margin-bottom: .875rem; }
.footer-contact-item .icon { width: 32px; height: 32px; background: rgba(200,169,81,.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: 'Inter', 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(--navy); 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); }

/* ================================================================
   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(200,169,81,.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: 'Inter', 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(200,169,81,.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) {
    .about-image-secondary { display: none; }
    .about-badge { left: 0; }
    .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; }
    .contact-info-bar { padding: 2rem 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; }

    /* Calc */
    .calc-wrapper { padding: 2rem; }
    .loan-calculator-form { padding: 2rem; }

    /* 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-image-wrap { margin-bottom: 2.5rem; }
    .about-image-main { height: 380px; }

    /* Contact */
    .contact-image-panel { min-height: 380px; }
    .contact-image-panel__info { padding: 1.5rem; }

    /* Typography responsive */
    .section-title { font-size: 1.875rem; }
    .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: 4rem; top: -.375rem; left: .875rem; }

    /* ── Stats strip ── */
    .stat-item { padding: 1.25rem .75rem; }
    .stat-item__number { font-size: 2rem; }
    .stat-item--sep { border-right: none; border-bottom: 1px solid rgba(255,255,255,.07); }

    /* ── About section ── */
    .about-image-main { height: 240px; object-position: center top; }
    .about-image-wrap { margin-bottom: 3.5rem; }
    .about-badge { left: 0; top: auto; bottom: -1.5rem; }
    .about-highlight { padding: 1rem; gap: .875rem; }
    .about-highlight__icon { font-size: 1.25rem; }

    /* ── Loan calculator ── */
    .calc-wrapper { padding: 1.25rem; }
    .loan-calculator-form { padding: 1.25rem; max-width: 100%; }
    .loan-calculator-form__title { font-size: 1.125rem; margin-bottom: 1.25rem; }

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

    /* ── Contact ── */
    .contact-info-bar { padding: 1.5rem 0; }
    .contact-info-card { padding: 1.25rem; }
    .contact-image-panel { min-height: 280px; }
    .contact-info-card__icon { width: 40px; height: 40px; }
    .contact-widget { padding: 1.25rem; }

    /* ── Service detail ── */
    .service-detail__thumbnail img { height: 200px; }
    .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-category-title { font-size: .9375rem; }
    .faq-btn { font-size: .875rem; padding: 1rem 1.125rem; gap: .75rem; }
    .faq-body { font-size: .875rem; padding: 1rem 1.125rem; }

    /* ── 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 — 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: 1.875rem; }

    /* ── Simulate ── */
    .simulate-summary { grid-template-columns: 1fr; }
    .loan-calculator-form__title { font-size: 1rem; }

    /* ── Contact info ── */
    .contact-info-card { flex-direction: column; align-items: flex-start; gap: .625rem; }
    .contact-info-card__icon { width: 38px; height: 38px; font-size: .9375rem; }

    /* ── Contact image panel (portrait mobile) ── */
    .contact-image-panel { min-height: 380px; }
    .contact-image-panel__info { padding: 1.25rem; }
    .contact-panel__company p { font-size: .75rem; line-height: 1.5; }
    .contact-panel__item { gap: .625rem; margin-bottom: .625rem; }
    .contact-panel__item-icon { width: 30px; height: 30px; font-size: .75rem; }

    /* ── 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: 32px; }

    /* ── About ── */
    .about-image-main { height: 200px; }
    .about-image-wrap { margin-bottom: 4rem; }

    /* ── Service detail ── */
    .advantage-list li { font-size: .875rem; }
    .service-detail__thumbnail img { height: 160px; }

    /* ── 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; }