/* ================================================================
   RIVA FINANCE — Feuille de style principale
   Style : Moderne & Corporate — Bleu Marine + Or + Blanc
   ================================================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700;800;900&family=DM+Sans:wght@300;400;500;600;700&display=swap');

/* ── Variables ─────────────────────────────────────────────────── */
:root {
  --navy:        #0a1628;
  --navy-mid:    #102040;
  --navy-light:  #1a3a6e;
  --gold:        #c9a84c;
  --gold-light:  #e4c36a;
  --gold-pale:   #f7e9c0;
  --white:       #ffffff;
  --off-white:   #f8f9fc;
  --gray-light:  #eef1f7;
  --gray:        #d4d9e8;
  --text:        #1a1e2e;
  --text-mid:    #4a5578;
  --text-light:  #7a84a8;
  --border:      #dde2f0;
  --success:     #1a7f4e;
  --danger:      #c0392b;
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'DM Sans', 'Segoe UI', sans-serif;
  --nav-height:  72px;
  --radius-sm:   6px;
  --radius:      12px;
  --radius-lg:   20px;
  --radius-xl:   32px;
  --shadow-sm:   0 2px 8px rgba(10,22,40,.07);
  --shadow:      0 4px 20px rgba(10,22,40,.10);
  --shadow-lg:   0 12px 48px rgba(10,22,40,.16);
  --shadow-gold: 0 8px 32px rgba(201,168,76,.25);
  --transition:  all 0.25s cubic-bezier(0.4,0,0.2,1);
}

/* ── Fix Google Translate — empêche le décalage de la page ─────── */
body { top: 0 !important; position: static !important; }
.goog-te-banner-frame, .goog-te-banner-frame.skiptranslate { display: none !important; height: 0 !important; }
.skiptranslate { display: none !important; }
iframe.skiptranslate { display: none !important; }
#google_translate_element { display: none !important; }
.goog-tooltip, .goog-tooltip:hover { display: none !important; }
.goog-text-highlight { background: transparent !important; box-shadow: none !important; }

/* ── Reset ──────────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { font-family: var(--font-body); }
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--off-white); }
::-webkit-scrollbar-thumb { background: var(--navy-light); border-radius: 3px; }

/* ================================================================
   NAVIGATION DESKTOP
   ================================================================ */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: var(--nav-height);
  background: rgba(255,255,255,.97);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid transparent;
  z-index: 1000;
  transition: var(--transition);
}
.navbar.scrolled { border-bottom-color: var(--border); box-shadow: var(--shadow); }

.nav-inner {
  max-width: 1320px;
  margin: 0 auto;
  padding: 0 32px;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
  text-decoration: none;
}
.nav-logo img {
  height: 48px;
  width: auto;
  max-width: 200px;
  object-fit: contain;
  display: block;
}
.nav-logo-text { line-height: 1.2; }
.nav-brand { font-family: var(--font-display); font-size: 1.25rem; font-weight: 800; color: var(--navy); letter-spacing: .02em; }
.nav-brand span { color: var(--gold); }
.nav-tagline { font-size: .58rem; font-weight: 600; color: var(--text-light); letter-spacing: .14em; text-transform: uppercase; }

/* Liens desktop */
.nav-links {
  display: flex;
  align-items: center;
  gap: 2px;
  list-style: none;
  margin: 0; padding: 0;
}
.nav-links > li > a {
  display: flex; align-items: center;
  padding: 8px 13px;
  font-size: .84rem; font-weight: 500; color: var(--text-mid);
  border-radius: var(--radius-sm);
  transition: var(--transition); white-space: nowrap; text-decoration: none;
}
.nav-links > li > a:hover { color: var(--navy); background: var(--gray-light); }
.nav-links > li > a.active { color: var(--navy); font-weight: 700; }

/* Dropdown desktop */
.nav-dropdown { position: relative; }
.nav-dropdown > a::after { content: ' ▾'; font-size: .65rem; opacity: .5; }
.dropdown-panel {
  position: absolute;
  top: calc(100% + 8px); left: 50%;
  transform: translateX(-50%) translateY(-6px);
  min-width: 230px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 6px;
  opacity: 0; pointer-events: none;
  transition: var(--transition); z-index: 200; list-style: none;
}
.nav-dropdown:hover .dropdown-panel {
  opacity: 1; pointer-events: all;
  transform: translateX(-50%) translateY(0);
}
.dropdown-panel a {
  display: flex; align-items: center; gap: 10px;
  padding: 9px 12px; border-radius: 8px;
  font-size: .83rem; color: var(--text);
  transition: var(--transition); text-decoration: none;
}
.dropdown-panel a:hover { background: var(--gray-light); color: var(--navy); }
.dp-icon { font-size: .95rem; width: 22px; text-align: center; flex-shrink: 0; }

.nav-cta {
  background: var(--navy) !important;
  color: var(--white) !important;
  padding: 9px 20px !important;
  border-radius: 7px !important;
  font-weight: 700 !important;
  font-size: .83rem !important;
  transition: var(--transition) !important;
  white-space: nowrap; margin-left: 4px;
}
.nav-cta:hover { background: var(--navy-light) !important; box-shadow: var(--shadow) !important; }

/* Hamburger — caché par défaut (desktop) */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  background: none; border: none;
  flex-shrink: 0; z-index: 1001;
}
.hamburger span {
  display: block; width: 22px; height: 2px;
  background: var(--navy); border-radius: 2px;
  transition: var(--transition);
}
.hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
.hamburger.active span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }

.nav-overlay {
  display: none;
  position: fixed; inset: 0;
  background: rgba(0,0,0,.5);
  z-index: 998;
}
.nav-overlay.show { display: block; }

/* ================================================================
   BUTTONS
   ================================================================ */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 13px 26px; border-radius: var(--radius-sm);
  font-family: var(--font-body); font-size: .88rem; font-weight: 700;
  border: 2px solid transparent; cursor: pointer;
  transition: var(--transition); letter-spacing: .03em;
  text-decoration: none; white-space: nowrap;
}
.btn-gold { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.btn-gold:hover { background: var(--gold-light); border-color: var(--gold-light); transform: translateY(-2px); box-shadow: var(--shadow-gold); }
.btn-navy { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn-navy:hover { background: var(--navy-light); transform: translateY(-2px); box-shadow: var(--shadow-lg); }
.btn-outline-white { background: transparent; color: var(--white); border-color: rgba(255,255,255,.5); }
.btn-outline-white:hover { background: rgba(255,255,255,.1); border-color: var(--white); }
.btn-outline-gold { background: transparent; color: var(--gold); border-color: var(--gold); }
.btn-outline-gold:hover { background: var(--gold); color: var(--navy); }

/* ================================================================
   LAYOUT HELPERS
   ================================================================ */
.container { max-width: 1320px; margin: 0 auto; padding: 0 32px; }
.section { padding: 96px 0; }
.section-sm { padding: 64px 0; }
.section-label {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .72rem; font-weight: 700; letter-spacing: .18em;
  text-transform: uppercase; color: var(--gold); margin-bottom: 12px;
}
.section-label::before { content: ''; display: block; width: 26px; height: 2px; background: var(--gold); border-radius: 1px; flex-shrink: 0; }
.section-title { font-family: var(--font-display); font-size: clamp(1.9rem,3.5vw,2.8rem); font-weight: 800; color: var(--navy); line-height: 1.2; margin-bottom: 14px; }
.section-title em { font-style: normal; color: var(--gold); }
.section-desc { font-size: 1rem; color: var(--text-mid); line-height: 1.85; max-width: 580px; }
.section-header-center { text-align: center; }
.section-header-center .section-label { justify-content: center; }
.section-header-center .section-desc { margin: 0 auto; }
.gold-line { display: block; width: 64px; height: 3px; background: linear-gradient(90deg,var(--gold),var(--gold-light)); border-radius: 2px; margin: 18px 0 26px; }
.gold-line.center { margin: 18px auto 26px; }

/* ================================================================
   HERO
   ================================================================ */
.hero-badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(201,168,76,.12); border: 1px solid rgba(201,168,76,.3); color: var(--gold-light); padding: 5px 14px; border-radius: 100px; font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 22px; }
.hero-desc { color: rgba(255,255,255,.9); font-size: 1.03rem; max-width: 500px; margin-bottom: 36px; line-height: 1.85; }
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-trust { display: flex; gap: 32px; margin-top: 48px; padding-top: 28px; border-top: 1px solid rgba(255,255,255,.1); }
.hero-trust-item { text-align: left; }
.hero-trust-num { font-family: var(--font-display); font-size: 1.8rem; font-weight: 800; color: var(--gold); line-height: 1; margin-bottom: 2px; }
.hero-trust-label { font-size: .72rem; color: rgba(255,255,255,.8); font-weight: 600; letter-spacing: .05em; text-transform: uppercase; }
.hero-card { background: rgba(255,255,255,.05); backdrop-filter: blur(20px); border: 1px solid rgba(201,168,76,.2); border-radius: var(--radius-xl); padding: 36px 32px; position: relative; overflow: hidden; }
.hero-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg,var(--gold),var(--gold-light),transparent); }
.hero-card-label { font-size: .72rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); margin-bottom: 10px; }
.hero-card-rate { display: flex; align-items: baseline; gap: 4px; margin-bottom: 6px; }
.rate-big { font-family: var(--font-display); font-size: 3.8rem; font-weight: 900; color: var(--white); line-height: 1; }
.rate-pct { font-size: 1.9rem; color: var(--gold); font-weight: 700; }
.rate-type { font-size: .83rem; color: rgba(255,255,255,.75); font-weight: 500; }
.hero-card-sub { font-size: .78rem; color: rgba(255,255,255,.7); margin-bottom: 24px; }
.hero-card-features { display: flex; flex-direction: column; gap: 11px; margin-bottom: 24px; }
.hero-card-feature { display: flex; align-items: center; gap: 10px; font-size: .83rem; color: rgba(255,255,255,.8); }
.hcf-check { width: 20px; height: 20px; background: rgba(201,168,76,.15); border: 1px solid rgba(201,168,76,.35); border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; font-size: .62rem; color: var(--gold); }

/* ================================================================
   STATS STRIP
   ================================================================ */
.stats-strip { background: var(--navy); }
.stats-inner { max-width: 1320px; margin: 0 auto; display: grid; grid-template-columns: repeat(4,1fr); }
.stat-block { padding: 38px 28px; text-align: center; border-right: 1px solid rgba(255,255,255,.07); }
.stat-block:last-child { border-right: none; }
.stat-num { font-family: var(--font-display); font-size: 2.3rem; font-weight: 900; color: var(--gold); line-height: 1; margin-bottom: 6px; }
.stat-label { font-size: .72rem; color: rgba(255,255,255,.4); font-weight: 600; letter-spacing: .08em; text-transform: uppercase; }

/* ================================================================
   LOAN CARDS
   ================================================================ */
.loans-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.loan-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; transition: var(--transition); text-decoration: none; color: inherit; display: flex; flex-direction: column; position: relative; }
.loan-card::after { content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg,var(--navy),var(--gold)); transform: scaleX(0); transition: var(--transition); }
.loan-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: transparent; }
.loan-card:hover::after { transform: scaleX(1); }
.loan-card-img { width: 100%; height: 210px; object-fit: cover; display: block; }
.loan-card-body { padding: 22px; flex: 1; display: flex; flex-direction: column; }
.loan-card-tag { display: inline-block; background: var(--gold-pale); color: var(--navy); font-size: .63rem; font-weight: 800; letter-spacing: .09em; text-transform: uppercase; padding: 3px 9px; border-radius: 100px; margin-bottom: 9px; }
.loan-card-title { font-family: var(--font-display); font-size: 1.08rem; font-weight: 700; color: var(--navy); margin-bottom: 9px; }
.loan-card-desc { font-size: .83rem; color: var(--text-mid); line-height: 1.75; flex: 1; margin-bottom: 14px; }
.loan-card-link { display: flex; align-items: center; gap: 5px; font-size: .8rem; font-weight: 700; color: var(--gold); transition: var(--transition); }
.loan-card:hover .loan-card-link { gap: 9px; }

/* ================================================================
   SIMULATOR
   ================================================================ */
.simulator-section { background: var(--navy); }
.simulator-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 52px; align-items: start; }
.sim-panel { background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.1); border-radius: var(--radius-xl); padding: 38px; }
.sim-panel-title { font-family: var(--font-display); font-size: 1.35rem; font-weight: 700; color: var(--white); margin-bottom: 28px; }
.sim-form-group { margin-bottom: 24px; }
.sim-label { display: flex; justify-content: space-between; align-items: center; font-size: .77rem; font-weight: 700; color: rgba(255,255,255,.75); letter-spacing: .06em; text-transform: uppercase; margin-bottom: 11px; }
.sim-value { font-family: var(--font-display); font-size: 1.25rem; font-weight: 700; color: var(--gold); }
input[type="range"] { -webkit-appearance: none; width: 100%; height: 4px; background: rgba(255,255,255,.14); border-radius: 2px; outline: none; cursor: pointer; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 20px; height: 20px; background: var(--gold); border-radius: 50%; cursor: pointer; box-shadow: 0 2px 8px rgba(201,168,76,.4); }
input[type="range"]::-moz-range-thumb { width: 20px; height: 20px; background: var(--gold); border-radius: 50%; cursor: pointer; border: none; }
.range-minmax { display: flex; justify-content: space-between; font-size: .7rem; color: rgba(255,255,255,.28); margin-top: 5px; }
.result-panel { background: linear-gradient(145deg,var(--gold) 0%,var(--gold-light) 100%); border-radius: var(--radius-xl); padding: 38px; }
.result-panel-title { font-family: var(--font-display); font-size: 1.08rem; font-weight: 700; color: var(--navy); margin-bottom: 24px; }
.result-main { text-align: center; padding: 26px; background: rgba(10,22,40,.08); border-radius: var(--radius); margin-bottom: 20px; }
.result-main-label { font-size: .7rem; font-weight: 700; letter-spacing: .09em; text-transform: uppercase; color: rgba(10,22,40,.52); margin-bottom: 7px; }
.result-main-value { font-family: var(--font-display); font-size: 2.8rem; font-weight: 900; color: var(--navy); line-height: 1; }
.result-rows { display: flex; flex-direction: column; gap: 8px; margin-bottom: 20px; }
.result-row { display: flex; justify-content: space-between; align-items: center; padding: 9px 12px; background: rgba(10,22,40,.06); border-radius: var(--radius-sm); }
.result-row-label { font-size: .8rem; font-weight: 600; color: rgba(10,22,40,.62); }
.result-row-value { font-family: var(--font-display); font-size: .93rem; font-weight: 700; color: var(--navy); }
.amort-wrap { margin-top: 14px; max-height: 240px; overflow-y: auto; overflow-x: auto; border-radius: var(--radius-sm); -webkit-overflow-scrolling: touch; }
.amort-wrap table { width: 100%; min-width: 360px; border-collapse: collapse; font-size: .74rem; }
.amort-wrap th { background: rgba(10,22,40,.12); padding: 7px 10px; text-align: left; font-weight: 800; color: rgba(10,22,40,.68); position: sticky; top: 0; letter-spacing: .04em; text-transform: uppercase; font-size: .63rem; }
.amort-wrap td { padding: 6px 10px; border-bottom: 1px solid rgba(10,22,40,.06); color: rgba(10,22,40,.78); }
.amort-toggle { background: none; border: none; color: var(--navy); font-size: .78rem; font-weight: 700; cursor: pointer; text-decoration: underline; margin-top: 10px; }

/* ================================================================
   WHY US + MOSAÏQUE
   ================================================================ */
.why-section { background: var(--off-white); }
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.why-img-block { position: relative; }
.why-img-main { width: 100%; height: 500px; object-fit: cover; border-radius: var(--radius-xl); box-shadow: var(--shadow-lg); }
.why-img-badge { position: absolute; bottom: -22px; right: -22px; background: var(--navy); color: var(--white); padding: 22px 26px; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); text-align: center; min-width: 130px; }
.why-badge-num { font-family: var(--font-display); font-size: 2.2rem; font-weight: 900; color: var(--gold); line-height: 1; }
.why-badge-label { font-size: .68rem; font-weight: 600; color: rgba(255,255,255,.75); text-transform: uppercase; letter-spacing: .05em; }
.why-points { display: flex; flex-direction: column; gap: 16px; margin-top: 28px; }
.why-point { display: flex; align-items: flex-start; gap: 14px; padding: 18px 20px; background: var(--white); border-radius: var(--radius); border: 1px solid var(--border); transition: var(--transition); }
.why-point:hover { border-color: var(--gold); box-shadow: var(--shadow); }
.why-point-icon { width: 42px; height: 42px; background: linear-gradient(135deg,var(--navy),var(--navy-light)); border-radius: var(--radius-sm); display: flex; align-items: center; justify-content: center; font-size: 1.05rem; flex-shrink: 0; }
.why-point-title { font-size: .88rem; font-weight: 700; color: var(--navy); margin-bottom: 3px; }
.why-point-desc { font-size: .8rem; color: var(--text-mid); line-height: 1.65; }
.why-mosaic { display: grid; grid-template-columns: 1fr 1fr; grid-template-rows: 240px 240px; gap: 10px; border-radius: var(--radius-xl); overflow: hidden; }
.why-mosaic-item { position: relative; overflow: hidden; }
.why-mosaic-item img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s ease; }
.why-mosaic-item:hover img { transform: scale(1.06); }
.why-mosaic-item.tall { grid-row: 1 / 3; }
.why-mosaic-overlay { position: absolute; inset: 0; background: linear-gradient(to top,rgba(10,22,40,.45) 0%,transparent 60%); }
.why-mosaic-caption { position: absolute; bottom: 12px; left: 14px; color: rgba(255,255,255,.8); font-size: .7rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; }

/* ================================================================
   PROCESS
   ================================================================ */
.process-section { background: var(--white); }
.process-steps { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; position: relative; margin-top: 56px; }
.process-steps::before { content: ''; position: absolute; top: 30px; left: 12%; right: 12%; height: 1px; background: linear-gradient(90deg,transparent,var(--gold),var(--gold),transparent); opacity: .28; }
.process-step { text-align: center; padding: 28px 16px; }
.step-num { width: 60px; height: 60px; background: linear-gradient(135deg,var(--navy),var(--navy-light)); border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 18px; font-family: var(--font-display); font-size: 1.35rem; font-weight: 800; color: var(--gold); position: relative; z-index: 1; box-shadow: var(--shadow); }
.step-title { font-size: .88rem; font-weight: 700; color: var(--navy); margin-bottom: 7px; }
.step-desc { font-size: .78rem; color: var(--text-mid); line-height: 1.7; }

/* ================================================================
   TESTIMONIALS
   ================================================================ */
.testimonials-section { background: var(--gray-light); }
.testimonials-track-outer { overflow: hidden; mask-image: linear-gradient(to right,transparent,black 7%,black 93%,transparent); -webkit-mask-image: linear-gradient(to right,transparent,black 7%,black 93%,transparent); }
.testimonials-track { display: flex; gap: 22px; animation: scroll-left 42s linear infinite; width: max-content; }
.testimonials-track:hover { animation-play-state: paused; }
@keyframes scroll-left { from { transform: translateX(0); } to { transform: translateX(-50%); } }
.testi-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 26px 28px; min-width: 330px; max-width: 330px; flex-shrink: 0; position: relative; }
.testi-card::before { content: '"'; position: absolute; top: 14px; right: 22px; font-family: var(--font-display); font-size: 3.8rem; line-height: 1; color: var(--gold-pale); font-weight: 900; }
.testi-stars { color: var(--gold); letter-spacing: 2px; margin-bottom: 12px; font-size: .92rem; }
.testi-text { font-size: .86rem; color: var(--text); line-height: 1.8; margin-bottom: 18px; font-style: italic; }
.testi-author { display: flex; align-items: center; gap: 11px; }
.testi-avatar { width: 42px; height: 42px; border-radius: 50%; object-fit: cover; border: 2px solid var(--gold-pale); }
.testi-name { font-size: .83rem; font-weight: 700; color: var(--navy); }
.testi-role { font-size: .73rem; color: var(--text-light); }

/* ================================================================
   TEAM
   ================================================================ */
.team-section { background: var(--white); }
.team-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; margin-top: 52px; }
.team-card { text-align: center; border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--border); transition: var(--transition); background: var(--white); }
.team-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--gold); }
.team-img { width: 100%; height: 220px; object-fit: cover; display: block; }
.team-body { padding: 18px; }
.team-name { font-family: var(--font-display); font-size: .93rem; font-weight: 700; color: var(--navy); margin-bottom: 3px; }
.team-role { font-size: .73rem; color: var(--gold); font-weight: 700; letter-spacing: .05em; text-transform: uppercase; margin-bottom: 9px; }
.team-bio { font-size: .76rem; color: var(--text-mid); line-height: 1.65; }

/* ================================================================
   ELIGIBILITY
   ================================================================ */
.eligibility-section { background: var(--off-white); }
.eligibility-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-xl); padding: 44px; max-width: 820px; margin: 0 auto; box-shadow: var(--shadow); }
.elig-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-bottom: 22px; }
.elig-label { display: block; font-size: .76rem; font-weight: 700; color: var(--text-mid); letter-spacing: .05em; text-transform: uppercase; margin-bottom: 7px; }
.elig-input { width: 100%; padding: 12px 14px; border: 1.5px solid var(--border); border-radius: var(--radius-sm); font-family: var(--font-body); font-size: .9rem; color: var(--text); background: var(--off-white); outline: none; transition: var(--transition); appearance: none; }
.elig-input:focus { border-color: var(--navy); background: var(--white); box-shadow: 0 0 0 3px rgba(10,22,40,.07); }
.elig-result { background: var(--navy); border-radius: var(--radius); padding: 22px 24px; display: flex; align-items: center; gap: 18px; margin-top: 6px; }
.elig-result-icon { font-size: 1.9rem; flex-shrink: 0; }
.elig-result-title { font-weight: 700; color: var(--white); margin-bottom: 3px; }
.elig-result-text { font-size: .83rem; color: rgba(255,255,255,.62); }
.elig-meter { width: 100%; height: 7px; background: rgba(255,255,255,.1); border-radius: 4px; overflow: hidden; margin-top: 10px; }
.elig-meter-fill { height: 100%; border-radius: 4px; transition: width .8s cubic-bezier(0.4,0,0.2,1); background: linear-gradient(90deg,var(--gold),var(--gold-light)); }

/* ================================================================
   BLOG
   ================================================================ */
.blog-section { background: var(--white); }
.blog-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 26px; margin-top: 52px; }
.blog-card { border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--border); transition: var(--transition); background: var(--white); text-decoration: none; color: inherit; display: flex; flex-direction: column; }
.blog-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.blog-card-img { width: 100%; height: 195px; object-fit: cover; display: block; }
.blog-card-body { padding: 22px; flex: 1; display: flex; flex-direction: column; }
.blog-cat { display: inline-block; background: var(--gold-pale); color: var(--navy); font-size: .62rem; font-weight: 800; letter-spacing: .09em; text-transform: uppercase; padding: 3px 9px; border-radius: 100px; margin-bottom: 10px; }
.blog-title { font-family: var(--font-display); font-size: .98rem; font-weight: 700; color: var(--navy); margin-bottom: 9px; line-height: 1.35; }
.blog-excerpt { font-size: .8rem; color: var(--text-mid); line-height: 1.7; flex: 1; margin-bottom: 14px; }
.blog-meta { display: flex; align-items: center; gap: 9px; font-size: .73rem; color: var(--text-light); margin-top: auto; }
.blog-meta-dot { width: 4px; height: 4px; background: var(--gold); border-radius: 50%; }

/* ================================================================
   CTA
   ================================================================ */
.cta-section { background: linear-gradient(115deg,var(--navy) 0%,var(--navy-light) 100%); position: relative; overflow: hidden; }
.cta-section::before { content: ''; position: absolute; right: -90px; top: -90px; width: 460px; height: 460px; border: 1px solid rgba(201,168,76,.09); border-radius: 50%; }
.cta-inner { text-align: center; position: relative; z-index: 1; }
.cta-inner h2 { font-family: var(--font-display); font-size: clamp(1.9rem,3.5vw,2.7rem); font-weight: 800; color: var(--white); margin-bottom: 14px; }
.cta-inner h2 em { font-style: normal; color: var(--gold); }
.cta-inner p { font-size: .98rem; color: rgba(255,255,255,.68); max-width: 500px; margin: 0 auto 32px; line-height: 1.8; }
.cta-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ================================================================
   CONTACT
   ================================================================ */
.contact-grid { display: grid; grid-template-columns: 1fr 1.5fr; gap: 52px; align-items: start; }
.contact-info-card { background: var(--navy); border-radius: var(--radius-xl); padding: 38px; color: var(--white); position: sticky; top: calc(var(--nav-height) + 20px); }
.contact-info-title { font-family: var(--font-display); font-size: 1.25rem; font-weight: 700; color: var(--gold); margin-bottom: 22px; }
.contact-info-item { display: flex; align-items: flex-start; gap: 13px; margin-bottom: 18px; }
.ci-icon { width: 38px; height: 38px; background: rgba(201,168,76,.14); border: 1px solid rgba(201,168,76,.22); border-radius: var(--radius-sm); display: flex; align-items: center; justify-content: center; flex-shrink: 0; font-size: .9rem; }
.ci-label { font-size: .7rem; color: rgba(255,255,255,.42); text-transform: uppercase; letter-spacing: .05em; font-weight: 700; margin-bottom: 2px; }
.ci-value { font-size: .86rem; color: var(--white); font-weight: 500; }
.contact-legal { margin-top: 26px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.09); }
.contact-legal p { font-size: .7rem; color: rgba(255,255,255,.32); line-height: 1.8; }
.contact-form-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-xl); padding: 38px; box-shadow: var(--shadow); }

/* Forms */
.form-group { margin-bottom: 16px; }
.form-label { display: block; font-size: .76rem; font-weight: 700; color: var(--text-mid); letter-spacing: .05em; text-transform: uppercase; margin-bottom: 6px; }
.form-control { width: 100%; padding: 11px 14px; border: 1.5px solid var(--border); border-radius: var(--radius-sm); font-family: var(--font-body); font-size: .88rem; color: var(--text); background: var(--off-white); outline: none; transition: var(--transition); appearance: none; }
.form-control:focus { border-color: var(--navy); background: var(--white); box-shadow: 0 0 0 3px rgba(10,22,40,.06); }
.form-control.error { border-color: var(--danger); }
.form-error { font-size: .73rem; color: var(--danger); margin-top: 3px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-section-title { font-family: var(--font-display); font-size: .93rem; font-weight: 700; color: var(--navy); margin: 22px 0 14px; padding-bottom: 9px; border-bottom: 1px solid var(--border); display: flex; align-items: center; gap: 8px; }
.file-upload-area { border: 2px dashed var(--border); border-radius: var(--radius); padding: 26px; text-align: center; cursor: pointer; transition: var(--transition); background: var(--off-white); position: relative; }
.file-upload-area:hover { border-color: var(--navy); }
.file-upload-area.error-border { border-color: var(--danger); }
.file-upload-area input[type="file"] { position: absolute; inset: 0; opacity: 0; cursor: pointer; width: 100%; height: 100%; }
.file-upload-icon { font-size: 2rem; margin-bottom: 8px; }
.file-upload-title { font-weight: 700; color: var(--navy); font-size: .86rem; margin-bottom: 3px; }
.file-upload-desc { font-size: .73rem; color: var(--text-light); }
.file-selected { color: var(--success); font-weight: 700; margin-top: 7px; font-size: .8rem; }
.submit-btn { width: 100%; padding: 14px; background: var(--navy); color: var(--white); border: none; border-radius: var(--radius-sm); font-family: var(--font-body); font-size: .9rem; font-weight: 700; cursor: pointer; transition: var(--transition); display: flex; align-items: center; justify-content: center; gap: 8px; }
.submit-btn:hover { background: var(--navy-light); transform: translateY(-1px); }
.submit-btn:disabled { opacity: .6; cursor: not-allowed; transform: none; }
.btn-loader { display: none; width: 17px; height: 17px; border: 2px solid rgba(255,255,255,.3); border-top-color: var(--white); border-radius: 50%; animation: spin .8s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.success-message { background: rgba(26,127,78,.08); border: 1px solid var(--success); color: var(--success); padding: 14px 18px; border-radius: var(--radius-sm); font-weight: 600; font-size: .86rem; display: none; margin-top: 14px; text-align: center; }
.success-message.show { display: block; }
.consent-label { display: flex; align-items: flex-start; gap: 9px; cursor: pointer; }
.consent-label input { margin-top: 3px; flex-shrink: 0; accent-color: var(--navy); }
.consent-label span { font-size: .78rem; color: var(--text-mid); line-height: 1.6; }

/* ================================================================
   PAGE HERO (pages internes)
   ================================================================ */
.page-hero { background: linear-gradient(115deg,var(--navy) 0%,var(--navy-mid) 60%,var(--navy-light) 100%); padding: calc(var(--nav-height) + 60px) 0 68px; position: relative; overflow: hidden; }
.page-hero::after { content: ''; position: absolute; right: -50px; bottom: -50px; width: 340px; height: 340px; border: 1px solid rgba(201,168,76,.09); border-radius: 50%; }
.page-hero-inner { position: relative; z-index: 1; }
.breadcrumb { display: flex; align-items: center; gap: 8px; margin-bottom: 18px; flex-wrap: wrap; }
.breadcrumb a { color: rgba(255,255,255,.48); font-size: .76rem; transition: var(--transition); }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb span { color: rgba(255,255,255,.22); font-size: .7rem; }
.breadcrumb-current { color: var(--gold); font-size: .76rem; font-weight: 600; }
.page-hero h1 { font-family: var(--font-display); font-size: clamp(1.9rem,4vw,2.9rem); color: var(--white); font-weight: 800; margin-bottom: 12px; }
.page-hero p { color: rgba(255,255,255,.68); font-size: .93rem; max-width: 500px; line-height: 1.8; }

/* ================================================================
   LOAN DETAIL PAGES
   ================================================================ */
.loan-detail-block { display: grid; grid-template-columns: 1fr 1fr; gap: 52px; align-items: center; margin-bottom: 60px; padding-bottom: 60px; border-bottom: 1px solid var(--border); }
.loan-detail-block:last-child { border-bottom: none; margin-bottom: 0; padding-bottom: 0; }
.loan-detail-block.reverse { direction: rtl; }
.loan-detail-block.reverse > * { direction: ltr; }
.loan-detail-img { width: 100%; height: 290px; object-fit: cover; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); display: block; }
.loan-features { display: flex; flex-wrap: wrap; gap: 7px; margin: 14px 0; }
.loan-feature { background: var(--gold-pale); color: var(--navy); font-size: .7rem; font-weight: 700; padding: 4px 13px; border-radius: 100px; letter-spacing: .04em; }

/* ================================================================
   FAQ
   ================================================================ */
.faq-item { border-bottom: 1px solid var(--border); overflow: hidden; }
.faq-question { width: 100%; text-align: left; padding: 19px 22px; background: none; border: none; font-family: var(--font-body); font-size: .9rem; font-weight: 700; color: var(--navy); cursor: pointer; display: flex; align-items: center; justify-content: space-between; gap: 12px; transition: var(--transition); }
.faq-question:hover { color: var(--gold); }
.faq-icon { font-size: 1.05rem; transition: var(--transition); flex-shrink: 0; color: var(--gold); }
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.4s ease; padding: 0 22px; }
.faq-answer p { padding-bottom: 18px; color: var(--text-mid); font-size: .86rem; line-height: 1.85; }
.faq-item.open .faq-answer { max-height: 500px; }

/* ================================================================
   FOOTER
   ================================================================ */
.footer { background: var(--navy); color: rgba(255,255,255,.62); padding: 68px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,.07); }
.footer-brand-name { font-family: var(--font-display); font-size: 1.35rem; font-weight: 800; color: var(--white); letter-spacing: .03em; margin-bottom: 2px; }
.footer-brand-name span { color: var(--gold); }
.footer-brand-sub { font-size: .63rem; color: rgba(255,255,255,.28); text-transform: uppercase; letter-spacing: .09em; margin-bottom: 14px; }
.footer-brand-desc { font-size: .8rem; color: rgba(255,255,255,.48); line-height: 1.85; margin-bottom: 18px; }
.footer-legal { font-size: .7rem; color: rgba(255,255,255,.28); line-height: 2.1; }
.footer-col-title { font-family: var(--font-display); font-size: .9rem; font-weight: 700; color: var(--white); margin-bottom: 16px; }
.footer-links li { margin-bottom: 8px; }
.footer-links a { font-size: .8rem; color: rgba(255,255,255,.52); transition: var(--transition); display: flex; align-items: center; gap: 5px; }
.footer-links a:hover { color: var(--gold); padding-left: 3px; }
.footer-links a::before { content: '→'; font-size: .7rem; color: var(--gold); opacity: .45; }
.footer-contact-item { display: flex; align-items: flex-start; gap: 9px; margin-bottom: 13px; font-size: .8rem; }
.fci-icon { color: var(--gold); margin-top: 2px; flex-shrink: 0; }
.footer-bottom { max-width: 1320px; margin: 0 auto; padding: 18px 32px; display: flex; justify-content: space-between; align-items: center; gap: 14px; flex-wrap: wrap; }
.footer-copy { font-size: .73rem; color: rgba(255,255,255,.28); }
.footer-bottom-links { display: flex; gap: 18px; }
.footer-bottom-links a { font-size: .73rem; color: rgba(255,255,255,.32); transition: var(--transition); }
.footer-bottom-links a:hover { color: var(--gold); }

/* ================================================================
   MISC
   ================================================================ */
.fade-in-up { opacity: 0; transform: translateY(26px); transition: opacity .65s ease, transform .65s ease; }
.fade-in-up.visible { opacity: 1; transform: translateY(0); }
.scroll-top { position: fixed; bottom: 28px; right: 28px; width: 44px; height: 44px; background: var(--navy); color: var(--white); border: none; border-radius: 50%; cursor: pointer; font-size: .95rem; display: flex; align-items: center; justify-content: center; box-shadow: var(--shadow); transition: var(--transition); opacity: 0; pointer-events: none; z-index: 500; }
.scroll-top.show { opacity: 1; pointer-events: all; }
.scroll-top:hover { background: var(--navy-light); transform: translateY(-3px); }
.separator { display: flex; align-items: center; gap: 18px; margin: 0 auto; max-width: 180px; }
.separator::before, .separator::after { content: ''; flex: 1; height: 1px; background: var(--gold); opacity: .28; }
.separator span { color: var(--gold); font-size: .95rem; flex-shrink: 0; }

/* ================================================================
   RESPONSIVE — TABLETTE 1024px
   ================================================================ */
@media (max-width: 1024px) {
  .hero-card { max-width: 460px; }
  .loans-grid { grid-template-columns: repeat(2,1fr); }
  .simulator-grid { grid-template-columns: 1fr; gap: 24px; }
  .why-grid { grid-template-columns: 1fr; gap: 44px; }
  .why-img-block { max-width: 540px; }
  .process-steps { grid-template-columns: repeat(2,1fr); }
  .process-steps::before { display: none; }
  .team-grid { grid-template-columns: repeat(2,1fr); }
  .blog-grid { grid-template-columns: repeat(2,1fr); }
  .contact-grid { grid-template-columns: 1fr; gap: 28px; }
  .contact-info-card { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .loan-detail-block { grid-template-columns: 1fr; gap: 28px; }
  .loan-detail-block.reverse { direction: ltr; }
  .elig-grid { grid-template-columns: 1fr; }
  .hero-trust { gap: 18px; }
  .section { padding: 68px 0; }
  .why-mosaic { grid-template-columns: 1fr; grid-template-rows: 200px 150px 150px; }
  .why-mosaic-item.tall { grid-row: auto; }
}

/* ================================================================
   RESPONSIVE — MOBILE 768px
   ================================================================

   LOGIQUE :
   - Navbar : logo à gauche + hamburger à droite. Hauteur 62px.
   - Nav-links : CACHÉ en flex normal. Sur mobile devient un DRAWER
     fixe glissant depuis la droite (right: -110% → right: 0).
   - Hamburger : AFFICHÉ (display:flex). Caché sur desktop (display:none).
   ================================================================ */
@media (max-width: 768px) {
  :root { --nav-height: 62px; }

  /* Navbar barre */
  .navbar { height: var(--nav-height); background: #fff; box-shadow: 0 1px 8px rgba(10,22,40,.08); }
  .nav-inner { padding: 0 16px; gap: 0; }

  /* Logo — taille contenue */
  .nav-logo { gap: 8px; flex: 1; min-width: 0; }
  .nav-logo img { height: 36px !important; width: auto !important; max-width: 145px; }
  .nav-logo-text .nav-brand { font-size: .95rem; }
  .nav-logo-text .nav-tagline { display: none; }

  /* Hamburger — visible */
  .hamburger { display: flex; }

  /* Nav desktop masquée sur mobile — le menu mobile est géré par components.js */
  #navLinksDesktop { display: none !important; }

  /* Reste du responsive */
  .hero-trust { gap: 14px; flex-wrap: wrap; }
  .hero-card { padding: 26px 20px; }
  .rate-big { font-size: 3rem; }
  .stats-inner { grid-template-columns: repeat(2,1fr); }
  .stat-block { padding: 24px 14px; }
  .stat-num { font-size: 1.9rem; }
  .section { padding: 52px 0; }
  .section-sm { padding: 40px 0; }
  .container { padding: 0 18px; }
  .loans-grid { grid-template-columns: 1fr; gap: 14px; }
  .team-grid { grid-template-columns: repeat(2,1fr); gap: 14px; }
  .blog-grid { grid-template-columns: 1fr; gap: 14px; }
  .sim-panel { padding: 22px 18px; }
  .result-panel { padding: 22px 18px; }
  .result-main-value { font-size: 2.3rem; }
  .amort-wrap { max-height: 170px; }
  .why-img-main { height: 250px; }
  .why-img-badge { right: 0; bottom: -14px; padding: 14px 18px; min-width: 100px; }
  .why-badge-num { font-size: 1.7rem; }
  .process-steps { grid-template-columns: 1fr; gap: 14px; }
  .process-step { padding: 22px 14px; }
  .team-img { height: 175px; }
  .footer { padding: 44px 0 0; }
  .footer-grid { grid-template-columns: 1fr; gap: 26px; padding-bottom: 32px; }
  .footer-bottom { flex-direction: column; text-align: center; padding: 14px 18px; }
  .footer-bottom-links { flex-wrap: wrap; justify-content: center; gap: 10px; }
  .form-row { grid-template-columns: 1fr; gap: 10px; }
  .contact-form-card { padding: 22px 18px; }
  .contact-info-card { padding: 26px 18px; }
  .eligibility-card { padding: 26px 18px; }
  .cta-btns { flex-direction: column; align-items: center; gap: 10px; }
  .cta-btns .btn { width: 100%; max-width: 300px; justify-content: center; }
  .page-hero { padding: calc(var(--nav-height) + 36px) 0 48px; }
  .page-hero h1 { font-size: clamp(1.65rem,7vw,2.1rem); }
  .elig-grid { grid-template-columns: 1fr; }
  .scroll-top { bottom: 18px; right: 14px; }
  .testi-card { min-width: 275px; max-width: 275px; }
}

/* ================================================================
   RESPONSIVE — PETIT MOBILE 480px
   ================================================================ */
@media (max-width: 480px) {
  .nav-logo img { height: 30px !important; max-width: 125px; }
  .stats-inner { grid-template-columns: repeat(2,1fr); }
  .team-grid { grid-template-columns: 1fr 1fr; gap: 10px; }
  .team-img { height: 145px; }
  .btn { padding: 11px 18px; font-size: .83rem; }
  .container { padding: 0 14px; }
  .section { padding: 42px 0; }
  .testi-card { min-width: 255px; max-width: 255px; }
  * { -webkit-tap-highlight-color: transparent; }
  .btn, a, button { touch-action: manipulation; }
}

/* ================================================================
   DEMANDE PRÊT — sidebar
   ================================================================ */
@media (max-width: 900px) {
  #appLayout { grid-template-columns: 1fr !important; }
  #appLayout > div:first-child { position: static !important; }
}