/* ============================================================
   ENGIE FINANCES — Global Stylesheet
   Design: Corporate Blue & White — Institutional, Trustworthy
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,400;0,500;0,600;0,700;1,400;1,600&family=Outfit:wght@300;400;500;600;700;800&display=swap');

/* ── Variables ── */
:root {
  --navy:        #0A1628;
  --navy-mid:    #102040;
  --navy-light:  #1A3560;
  --blue:        #1E4D8C;
  --blue-mid:    #2563B0;
  --blue-light:  #3B82D4;
  --accent:      #C8A95A;
  --accent-light:#E8C97A;
  --accent-pale: #F5E9C8;
  --white:       #FFFFFF;
  --off-white:   #F7F8FC;
  --gray-100:    #EEF1F7;
  --gray-200:    #D8DEE9;
  --gray-400:    #8896B0;
  --gray-600:    #4A5568;
  --text:        #1A2540;
  --text-light:  #5A6880;
  --border:      #D8DEE9;
  --shadow-sm:   0 2px 8px rgba(10,22,40,.08);
  --shadow-md:   0 8px 32px rgba(10,22,40,.12);
  --shadow-lg:   0 24px 64px rgba(10,22,40,.18);
  --shadow-xl:   0 40px 100px rgba(10,22,40,.22);
  --radius:      10px;
  --radius-lg:   18px;
  --radius-xl:   28px;
  --transition:  all .3s cubic-bezier(.4,0,.2,1);
  --font-display:'Cormorant Garamond', serif;
  --font-body:   'Outfit', sans-serif;
}

/* ── Reset ── */
*, *::before, *::after { margin:0; padding:0; box-sizing:border-box; }
html { overflow-x:hidden; scroll-behavior:smooth; }
body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  line-height: 1.7;
  font-size: 16px;
  overflow-x: hidden;
}
img { max-width:100%; height:auto; display:block; }
a { text-decoration:none; color:inherit; transition:var(--transition); }
ul { list-style:none; }

/* ── Typography ── */
h1,h2,h3,h4,h5,h6 {
  font-family: var(--font-display);
  line-height: 1.2;
  color: var(--navy);
  font-weight: 600;
}
h1 { font-size: clamp(2.6rem,5vw,4.2rem); }
h2 { font-size: clamp(2rem,3.5vw,3rem); }
h3 { font-size: clamp(1.4rem,2.5vw,1.9rem); }
h4 { font-size: clamp(1.1rem,2vw,1.4rem); }
p  { color: var(--text-light); line-height: 1.8; }

/* ── Layout ── */
.container { max-width:1280px; margin:0 auto; padding:0 32px; }
.container-sm { max-width:860px; margin:0 auto; padding:0 32px; }
.section { padding: 100px 0; }
.section-sm { padding: 72px 0; }

/* ── Utility ── */
.text-center { text-align:center; }
.text-accent { color: var(--accent); }
.text-navy   { color: var(--navy); }
.bg-navy     { background: var(--navy); }
.bg-off      { background: var(--off-white); }

/* ── Eyebrow ── */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-body);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 16px;
}
.eyebrow::before {
  content: '';
  display: block;
  width: 28px;
  height: 2px;
  background: var(--accent);
  flex-shrink: 0;
}

/* ── Section Header ── */
.section-header { margin-bottom: 64px; }
.section-header h2 { margin-bottom: 16px; }
.section-header p { font-size: 1.05rem; max-width: 580px; }
.section-header.center { text-align:center; }
.section-header.center p { margin: 0 auto; }

/* ── Divider ── */
.divider {
  width: 56px;
  height: 3px;
  background: linear-gradient(90deg, var(--accent), var(--accent-light));
  border-radius: 2px;
  margin: 20px 0 28px;
}
.divider.center { margin: 20px auto 28px; }

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-body);
  font-size: 0.88rem;
  font-weight: 600;
  letter-spacing: 0.5px;
  padding: 15px 32px;
  border-radius: var(--radius);
  border: 2px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  text-transform: uppercase;
}
.btn-primary {
  background: var(--blue);
  color: var(--white);
  border-color: var(--blue);
}
.btn-primary:hover {
  background: var(--navy);
  border-color: var(--navy);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}
.btn-gold {
  background: var(--accent);
  color: var(--navy);
  border-color: var(--accent);
}
.btn-gold:hover {
  background: var(--accent-light);
  border-color: var(--accent-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(200,169,90,.35);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,.5);
}
.btn-outline:hover {
  background: rgba(255,255,255,.1);
  border-color: var(--white);
}
.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline-navy:hover {
  background: var(--navy);
  color: var(--white);
}
.btn-lg { padding: 18px 42px; font-size: 0.95rem; }
.btn-sm { padding: 10px 22px; font-size: 0.82rem; }
.btn svg { width:16px; height:16px; }

/* ── Cards ── */
.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  overflow: hidden;
}
.card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

/* ═══════════════════════════════════════
   HEADER
═══════════════════════════════════════ */
.header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--navy);
}

/* Top Bar */
.top-bar {
  background: var(--navy-mid);
  border-bottom: 1px solid rgba(255,255,255,.06);
  padding: 9px 0;
}
.top-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.top-bar-left {
  display: flex;
  align-items: center;
  gap: 28px;
}
.top-bar-item {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 0.76rem;
  color: rgba(255,255,255,.55);
  font-family: var(--font-body);
}
.top-bar-item svg { width:13px; height:13px; opacity:.7; }
.top-bar-item a { color: rgba(255,255,255,.55); }
.top-bar-item a:hover { color: var(--accent); }
.top-bar-right {
  display: flex;
  align-items: center;
  gap: 20px;
}
.top-bar-cta {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--accent);
  padding: 5px 14px;
  border: 1px solid rgba(200,169,90,.4);
  border-radius: 5px;
  transition: var(--transition);
}
.top-bar-cta:hover {
  background: rgba(200,169,90,.1);
  border-color: var(--accent);
}

/* Main Nav */
.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0;
  height: 72px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}
.logo-mark {
  width: 42px;
  height: 42px;
  background: linear-gradient(135deg, var(--blue), var(--blue-light));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.logo-mark svg { width:22px; height:22px; fill:none; stroke:white; stroke-width:2; }
.logo-text-wrap { display:flex; flex-direction:column; gap:1px; }
.logo-name {
  font-family: var(--font-display);
  font-size: 1.45rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.5px;
  line-height: 1;
}
.logo-name span { color: var(--accent); }
.logo-tagline {
  font-size: 0.62rem;
  font-weight: 500;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: rgba(255,255,255,.4);
  font-family: var(--font-body);
}

/* Nav Menu */
.main-nav { display:flex; align-items:center; gap:4px; }
.nav-item { position:relative; }
.nav-link {
  display: block;
  font-size: 0.82rem;
  font-weight: 500;
  letter-spacing: 0.3px;
  color: rgba(255,255,255,.75);
  padding: 8px 14px;
  border-radius: 8px;
  transition: var(--transition);
  white-space: nowrap;
}
.nav-link:hover, .nav-link.active { color: var(--white); background: rgba(255,255,255,.08); }

/* Dropdown */
.nav-dropdown {
  position: absolute;
  top: calc(100% + 12px);
  left: 50%;
  transform: translateX(-50%);
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--border);
  padding: 12px;
  min-width: 220px;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
  pointer-events: none;
}
.nav-item:hover .nav-dropdown {
  opacity: 1;
  visibility: visible;
  pointer-events: all;
  top: calc(100% + 8px);
}
.nav-dropdown a {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  border-radius: var(--radius);
  font-size: 0.84rem;
  font-weight: 500;
  color: var(--text);
  transition: var(--transition);
}
.nav-dropdown a:hover { background: var(--off-white); color: var(--blue); }
.nav-dropdown a svg { width:15px; height:15px; stroke:var(--blue); flex-shrink:0; }

/* Nav CTA */
.nav-actions { display:flex; align-items:center; gap:10px; }
.nav-cta {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.5px;
  color: var(--navy);
  background: var(--accent);
  padding: 10px 22px;
  border-radius: var(--radius);
  transition: var(--transition);
}
.nav-cta:hover {
  background: var(--accent-light);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(200,169,90,.4);
}

/* Mobile Toggle */
.mobile-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.mobile-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: rgba(255,255,255,.8);
  border-radius: 2px;
  transition: var(--transition);
}

/* ═══════════════════════════════════════
   HERO
═══════════════════════════════════════ */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 50%, var(--navy-light) 100%);
  position: relative;
  overflow: hidden;
  padding: 110px 0 100px;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 800px 600px at 70% 50%, rgba(30,77,140,.4) 0%, transparent 70%),
    radial-gradient(ellipse 400px 400px at 10% 80%, rgba(200,169,90,.08) 0%, transparent 60%);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 80px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(200,169,90,.15);
  border: 1px solid rgba(200,169,90,.3);
  border-radius: 30px;
  padding: 6px 16px 6px 8px;
  margin-bottom: 28px;
}
.hero-badge-dot {
  width: 8px; height: 8px;
  background: var(--accent);
  border-radius: 50%;
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%,100% { opacity:1; transform:scale(1); }
  50% { opacity:.5; transform:scale(.8); }
}
.hero-badge span {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--accent-light);
  font-family: var(--font-body);
}
.hero-title {
  font-family: var(--font-display);
  font-size: clamp(2.8rem,5vw,4.4rem);
  font-weight: 700;
  color: var(--white);
  line-height: 1.1;
  margin-bottom: 24px;
}
.hero-title em {
  font-style: italic;
  color: var(--accent);
}
.hero-desc {
  font-size: 1.05rem;
  color: rgba(255,255,255,.65);
  line-height: 1.8;
  max-width: 540px;
  margin-bottom: 40px;
}
.hero-actions { display:flex; align-items:center; gap:16px; flex-wrap:wrap; margin-bottom:56px; }
.hero-trust {
  display: flex;
  align-items: center;
  gap: 32px;
  padding-top: 40px;
  border-top: 1px solid rgba(255,255,255,.1);
}
.hero-trust-item { text-align:center; }
.hero-trust-num {
  font-family: var(--font-display);
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--accent);
  line-height: 1;
}
.hero-trust-lbl {
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: rgba(255,255,255,.4);
  margin-top: 4px;
  font-family: var(--font-body);
}
.hero-trust-sep { width:1px; height:40px; background:rgba(255,255,255,.1); }

/* Hero Card */
.hero-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-xl);
  position: relative;
}
.hero-card-header { margin-bottom: 28px; }
.hero-card-title {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
}
.hero-card-sub {
  font-size: 0.82rem;
  color: var(--text-light);
  font-family: var(--font-body);
}
.hero-card-field { margin-bottom: 20px; }
.hero-card-label {
  display: block;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--gray-600);
  margin-bottom: 8px;
  font-family: var(--font-body);
}
.hero-card-input {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: 0.95rem;
  font-family: var(--font-body);
  color: var(--text);
  background: var(--off-white);
  transition: var(--transition);
}
.hero-card-input:focus {
  outline: none;
  border-color: var(--blue);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(30,77,140,.1);
}
.hero-card-range { width:100%; accent-color: var(--blue); }
.hero-card-range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.72rem;
  color: var(--gray-400);
  margin-top: 4px;
  font-family: var(--font-body);
}
.hero-card-result {
  background: var(--off-white);
  border-radius: var(--radius);
  padding: 18px 20px;
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.hero-card-result-label { font-size:0.8rem; color:var(--text-light); font-family:var(--font-body); }
.hero-card-result-value {
  font-family: var(--font-display);
  font-size: 1.7rem;
  font-weight: 700;
  color: var(--navy);
}
.hero-card-result-value span { font-size:0.9rem; color:var(--text-light); }
.hero-card-btn {
  width: 100%;
  justify-content: center;
  padding: 16px;
  font-size: 0.9rem;
}
.hero-card-note {
  text-align: center;
  font-size: 0.72rem;
  color: var(--gray-400);
  margin-top: 14px;
  font-family: var(--font-body);
}
.hero-card-note svg { width:12px; height:12px; display:inline; vertical-align:middle; margin-right:4px; }

/* ═══════════════════════════════════════
   TRUST BAR
═══════════════════════════════════════ */
.trust-bar {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 24px 0;
  box-shadow: var(--shadow-sm);
}
.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 12px;
  flex: 1;
}
.trust-icon {
  width: 44px;
  height: 44px;
  background: var(--off-white);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.trust-icon svg { width:20px; height:20px; stroke:var(--blue); }
.trust-item-title {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy);
  font-family: var(--font-body);
  margin-bottom: 2px;
}
.trust-item-sub {
  font-size: 0.75rem;
  color: var(--text-light);
  font-family: var(--font-body);
}
.trust-sep { width:1px; height:44px; background:var(--border); flex-shrink:0; }

/* ═══════════════════════════════════════
   STATS BAR
═══════════════════════════════════════ */
.stats-bar {
  background: var(--navy);
  padding: 60px 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4,1fr);
  gap: 0;
}
.stat-item {
  text-align: center;
  padding: 0 40px;
  border-right: 1px solid rgba(255,255,255,.1);
}
.stat-item:last-child { border-right:none; }
.stat-num {
  font-family: var(--font-display);
  font-size: 3rem;
  font-weight: 700;
  color: var(--accent);
  line-height: 1;
  margin-bottom: 8px;
}
.stat-lbl {
  font-size: 0.78rem;
  font-weight: 500;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: rgba(255,255,255,.45);
  font-family: var(--font-body);
}

/* ═══════════════════════════════════════
   SERVICES
═══════════════════════════════════════ */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 28px;
}
.service-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  overflow: hidden;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
}
.service-card:hover {
  border-color: var(--blue-light);
  box-shadow: var(--shadow-md);
  transform: translateY(-5px);
}
.service-card-img {
  height: 200px;
  object-fit: cover;
  width: 100%;
}
.service-card-body { padding: 28px; flex:1; display:flex; flex-direction:column; }
.service-card-icon {
  width: 48px; height: 48px;
  background: var(--off-white);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.service-card-icon svg { width:22px; height:22px; stroke:var(--blue); }
.service-card-body h3 { font-size:1.25rem; margin-bottom:10px; }
.service-card-body p { font-size:0.88rem; line-height:1.7; margin-bottom:20px; flex:1; }
.service-meta {
  display: flex;
  flex-direction: column;
  gap: 8px;
  padding: 16px;
  background: var(--off-white);
  border-radius: var(--radius);
  margin-bottom: 20px;
}
.service-meta-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  font-family: var(--font-body);
}
.service-meta-row span:first-child { color:var(--text-light); }
.service-meta-row span:last-child { font-weight:600; color:var(--navy); }
.service-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.5px;
  color: var(--blue);
  transition: var(--transition);
}
.service-link svg { width:14px; height:14px; transition:var(--transition); }
.service-link:hover { color: var(--navy); }
.service-link:hover svg { transform:translateX(4px); }

/* ═══════════════════════════════════════
   PROCESS
═══════════════════════════════════════ */
.process-section { background: var(--off-white); }
.process-grid {
  display: grid;
  grid-template-columns: repeat(4,1fr);
  gap: 0;
  position: relative;
}
.process-grid::before {
  content: '';
  position: absolute;
  top: 36px;
  left: 12%;
  right: 12%;
  height: 1px;
  background: linear-gradient(90deg, var(--blue-light), var(--accent), var(--blue-light));
  z-index: 0;
}
.process-step { text-align:center; padding: 0 24px; position:relative; z-index:1; }
.process-num {
  width: 72px;
  height: 72px;
  background: var(--white);
  border: 2px solid var(--blue);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--blue);
  margin: 0 auto 28px;
  box-shadow: var(--shadow-sm);
}
.process-step h4 { font-size:1.1rem; margin-bottom:10px; }
.process-step p { font-size:0.85rem; line-height:1.7; }

/* ═══════════════════════════════════════
   WHY US
═══════════════════════════════════════ */
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.why-img {
  border-radius: var(--radius-xl);
  height: 520px;
  object-fit: cover;
  box-shadow: var(--shadow-lg);
  width: 100%;
}
.why-features { display:flex; flex-direction:column; gap:28px; margin-top:36px; }
.why-feature {
  display: flex;
  gap: 20px;
  align-items: flex-start;
}
.why-feature-icon {
  width: 50px;
  height: 50px;
  background: rgba(30,77,140,.08);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.why-feature-icon svg { width:22px; height:22px; stroke:var(--blue); }
.why-feature h5 {
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 5px;
}
.why-feature p { font-size:0.85rem; margin:0; }

/* ═══════════════════════════════════════
   TESTIMONIALS
═══════════════════════════════════════ */
.testimonials-section { background: var(--navy); }
.testimonials-section .eyebrow { color: var(--accent); }
.testimonials-section .eyebrow::before { background: var(--accent); }
.testimonials-section h2 { color: var(--white); }
.testimonials-section .divider { background: linear-gradient(90deg,var(--accent),var(--accent-light)); }
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 28px;
}
.testimonial-card {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: var(--transition);
}
.testimonial-card:hover {
  background: rgba(255,255,255,.08);
  border-color: rgba(200,169,90,.3);
}
.testimonial-stars { color: var(--accent); font-size:1rem; margin-bottom:16px; letter-spacing:2px; }
.testimonial-text {
  font-size: 0.92rem;
  color: rgba(255,255,255,.75);
  line-height: 1.85;
  margin-bottom: 24px;
  font-style: italic;
  font-family: var(--font-display);
}
.testimonial-author { display:flex; align-items:center; gap:14px; }
.testimonial-avatar {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid rgba(200,169,90,.3);
}
.testimonial-name {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--white);
  font-family: var(--font-body);
}
.testimonial-role {
  font-size: 0.76rem;
  color: rgba(255,255,255,.4);
  font-family: var(--font-body);
}

/* ═══════════════════════════════════════
   CTA SECTION
═══════════════════════════════════════ */
.cta-section {
  background: linear-gradient(135deg, var(--blue) 0%, var(--navy-light) 100%);
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 600px 400px at 80% 50%, rgba(200,169,90,.12) 0%, transparent 70%);
}
.cta-inner {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
}
.cta-text h2 { color:var(--white); margin-bottom:12px; }
.cta-text p { color:rgba(255,255,255,.65); max-width:500px; }
.cta-actions { display:flex; gap:14px; flex-shrink:0; }

/* ═══════════════════════════════════════
   FOOTER
═══════════════════════════════════════ */
.footer { background: var(--navy); padding: 80px 0 0; }
.footer-grid {
  display: grid;
  grid-template-columns: 280px 1fr 1fr 1fr;
  gap: 60px;
  padding-bottom: 60px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.footer-brand p {
  font-size: 0.85rem;
  color: rgba(255,255,255,.45);
  line-height: 1.8;
  margin-top: 16px;
  margin-bottom: 24px;
}
.footer-socials { display:flex; gap:10px; }
.footer-social {
  width: 36px;
  height: 36px;
  background: rgba(255,255,255,.07);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
}
.footer-social:hover { background: rgba(200,169,90,.2); }
.footer-social svg { width:16px; height:16px; stroke:rgba(255,255,255,.5); }
.footer-col-title {
  font-family: var(--font-body);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: rgba(255,255,255,.3);
  margin-bottom: 20px;
}
.footer-links { display:flex; flex-direction:column; gap:10px; }
.footer-links a {
  font-size: 0.88rem;
  color: rgba(255,255,255,.55);
  transition: var(--transition);
}
.footer-links a:hover { color: var(--accent); padding-left: 4px; }
.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 24px 0;
  gap: 24px;
}
.footer-copy {
  font-size: 0.78rem;
  color: rgba(255,255,255,.3);
  font-family: var(--font-body);
}
.footer-legal { display:flex; gap:20px; }
.footer-legal a {
  font-size: 0.78rem;
  color: rgba(255,255,255,.3);
  transition: var(--transition);
}
.footer-legal a:hover { color:rgba(255,255,255,.6); }

/* ═══════════════════════════════════════
   PAGE HEADER
═══════════════════════════════════════ */
.page-header {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 60%, var(--navy-light) 100%);
  padding: 90px 0 80px;
  position: relative;
  overflow: hidden;
}
.page-header::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 600px 400px at 80% 50%, rgba(30,77,140,.4) 0%, transparent 70%);
}
.page-header-inner { position:relative; z-index:1; }
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 20px;
}
.breadcrumb a, .breadcrumb span {
  font-size: 0.78rem;
  color: rgba(255,255,255,.4);
  font-family: var(--font-body);
  transition: var(--transition);
}
.breadcrumb a:hover { color: var(--accent); }
.breadcrumb-sep { color: rgba(255,255,255,.2); }
.page-header h1 { color:var(--white); margin-bottom:14px; }
.page-header p { color:rgba(255,255,255,.6); font-size:1.05rem; max-width:580px; }

/* ═══════════════════════════════════════
   FORMS
═══════════════════════════════════════ */
.form-section { background: var(--off-white); }
.form-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}
.form-card-header {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  padding: 36px 48px;
}
.form-card-header h3 { color:var(--white); margin-bottom:6px; }
.form-card-header p { color:rgba(255,255,255,.6); font-size:0.9rem; }
.form-body { padding: 48px; }
.form-section-title {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--navy);
  padding-bottom: 14px;
  border-bottom: 1px solid var(--border);
  margin-bottom: 28px;
  margin-top: 36px;
}
.form-section-title:first-child { margin-top:0; }
.form-row { display:grid; grid-template-columns:1fr 1fr; gap:20px; }
.form-group { display:flex; flex-direction:column; gap:8px; }
.form-label {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  color: var(--gray-600);
  font-family: var(--font-body);
}
.form-control {
  padding: 13px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: 0.93rem;
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  transition: var(--transition);
  width: 100%;
}
.form-control:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(30,77,140,.08);
}
.form-control::placeholder { color: var(--gray-400); }
select.form-control { cursor:pointer; }
.form-hint {
  font-size: 0.75rem;
  color: var(--gray-400);
  font-family: var(--font-body);
  margin-top: 4px;
}
.form-submit { margin-top:40px; text-align:center; }
.form-submit .btn { min-width:260px; justify-content:center; }
.form-submit-note {
  margin-top: 16px;
  font-size: 0.78rem;
  color: var(--gray-400);
  font-family: var(--font-body);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
}
.form-submit-note svg { width:13px; height:13px; }

/* ═══════════════════════════════════════
   LOAN DETAIL PAGE
═══════════════════════════════════════ */
.loan-detail-grid {
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: 60px;
  align-items: start;
}
.loan-sticky {
  position: sticky;
  top: 100px;
}
.loan-apply-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  padding: 32px;
  box-shadow: var(--shadow-md);
}
.loan-apply-card h4 { font-size:1.3rem; margin-bottom:6px; }
.loan-apply-card p { font-size:0.85rem; margin-bottom:24px; }
.loan-detail-meta { display:flex; flex-direction:column; gap:12px; margin-bottom:24px; }
.loan-meta-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 14px;
  background: var(--off-white);
  border-radius: var(--radius);
  font-size: 0.85rem;
  font-family: var(--font-body);
}
.loan-meta-row span:first-child { color:var(--text-light); }
.loan-meta-row span:last-child { font-weight:700; color:var(--navy); }

/* ═══════════════════════════════════════
   FAQ
═══════════════════════════════════════ */
.faq-grid {
  display: grid;
  grid-template-columns: 300px 1fr;
  gap: 60px;
  align-items: start;
}
.faq-nav { position:sticky; top:100px; }
.faq-nav-item {
  display: block;
  padding: 12px 16px;
  border-radius: var(--radius);
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--text-light);
  transition: var(--transition);
  cursor: pointer;
  font-family: var(--font-body);
  margin-bottom: 4px;
}
.faq-nav-item:hover, .faq-nav-item.active {
  background: var(--off-white);
  color: var(--blue);
}
.faq-list { display:flex; flex-direction:column; gap:12px; }
.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: var(--transition);
}
.faq-item.open { border-color: var(--blue-light); }
.faq-q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px 28px;
  cursor: pointer;
  gap: 20px;
}
.faq-q-text {
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--navy);
}
.faq-icon {
  width: 28px; height: 28px;
  background: var(--off-white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: var(--transition);
}
.faq-item.open .faq-icon { background:var(--blue); transform:rotate(45deg); }
.faq-icon svg { width:14px; height:14px; stroke:var(--blue); }
.faq-item.open .faq-icon svg { stroke:white; }
.faq-a {
  padding: 0 28px 24px;
  font-size: 0.9rem;
  color: var(--text-light);
  line-height: 1.85;
  display: none;
}
.faq-item.open .faq-a { display:block; }

/* ═══════════════════════════════════════
   CONTACT
═══════════════════════════════════════ */
.contact-grid {
  display: grid;
  grid-template-columns: 360px 1fr;
  gap: 60px;
  align-items: start;
}
.contact-info-card {
  background: var(--navy);
  border-radius: var(--radius-xl);
  padding: 40px;
  color: white;
  position: sticky;
  top: 100px;
}
.contact-info-card h3 { color:white; margin-bottom:8px; }
.contact-info-card > p { color:rgba(255,255,255,.55); font-size:0.9rem; margin-bottom:36px; }
.contact-detail { display:flex; flex-direction:column; gap:24px; margin-bottom:36px; }
.contact-detail-item { display:flex; gap:16px; align-items:flex-start; }
.contact-detail-icon {
  width: 42px; height: 42px;
  background: rgba(255,255,255,.08);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.contact-detail-icon svg { width:18px; height:18px; stroke:var(--accent); }
.contact-detail-label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: rgba(255,255,255,.35);
  font-family: var(--font-body);
  margin-bottom: 4px;
}
.contact-detail-value {
  font-size: 0.92rem;
  color: rgba(255,255,255,.85);
  font-family: var(--font-body);
}
.contact-hours {
  padding: 20px;
  background: rgba(255,255,255,.05);
  border-radius: var(--radius);
  border: 1px solid rgba(255,255,255,.08);
}
.contact-hours-title {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: rgba(255,255,255,.35);
  font-family: var(--font-body);
  margin-bottom: 12px;
}
.contact-hours-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.83rem;
  color: rgba(255,255,255,.6);
  font-family: var(--font-body);
  padding: 6px 0;
  border-bottom: 1px solid rgba(255,255,255,.05);
}
.contact-hours-row:last-child { border-bottom:none; }

/* ═══════════════════════════════════════
   ELIGIBILITY CHECK
═══════════════════════════════════════ */
.elig-steps {
  display: flex;
  justify-content: center;
  gap: 0;
  margin-bottom: 48px;
  background: var(--white);
  border-radius: var(--radius-xl);
  border: 1px solid var(--border);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.elig-step {
  flex: 1;
  text-align: center;
  padding: 20px 16px;
  border-right: 1px solid var(--border);
  position: relative;
  transition: var(--transition);
}
.elig-step:last-child { border-right:none; }
.elig-step.active { background: var(--blue); }
.elig-step.done { background: var(--off-white); }
.elig-step-num {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--border);
  color: var(--text-light);
  font-size: 0.8rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 8px;
  font-family: var(--font-body);
  transition: var(--transition);
}
.elig-step.active .elig-step-num { background:rgba(255,255,255,.2); color:white; }
.elig-step.done .elig-step-num { background:var(--blue); color:white; }
.elig-step-label {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.5px;
  color: var(--text-light);
  font-family: var(--font-body);
}
.elig-step.active .elig-step-label { color:rgba(255,255,255,.85); }
.elig-panel { display:none; }
.elig-panel.active { display:block; }
.elig-actions { display:flex; justify-content:space-between; align-items:center; margin-top:36px; }
.elig-result {
  background: var(--white);
  border-radius: var(--radius-xl);
  border: 2px solid var(--blue);
  padding: 48px;
  text-align: center;
  display: none;
}
.elig-result.show { display:block; }
.elig-result-icon {
  width: 80px; height: 80px;
  background: rgba(30,77,140,.08);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
}
.elig-result-icon svg { width:36px; height:36px; stroke:var(--blue); }

/* ═══════════════════════════════════════
   SIMULATOR
═══════════════════════════════════════ */
.simulator-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}
.simulator-header {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  padding: 36px 48px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.simulator-header h3 { color:white; }
.simulator-header p { color:rgba(255,255,255,.55); font-size:0.88rem; margin-top:4px; }
.simulator-body { padding: 48px; }
.simulator-grid {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 48px;
}
.sim-field { margin-bottom: 28px; }
.sim-label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  color: var(--gray-600);
  margin-bottom: 14px;
  font-family: var(--font-body);
}
.sim-value {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--navy);
}
.sim-range {
  width: 100%;
  height: 6px;
  accent-color: var(--blue);
  cursor: pointer;
}
.sim-range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.72rem;
  color: var(--gray-400);
  margin-top: 6px;
  font-family: var(--font-body);
}
.sim-result-card {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 32px;
  position: sticky;
  top: 20px;
}
.sim-result-title {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: rgba(255,255,255,.4);
  margin-bottom: 24px;
  font-family: var(--font-body);
}
.sim-result-main {
  text-align: center;
  padding: 24px 0;
  border-bottom: 1px solid rgba(255,255,255,.1);
  margin-bottom: 24px;
}
.sim-result-monthly {
  font-family: var(--font-display);
  font-size: 3rem;
  font-weight: 700;
  color: var(--accent);
  line-height: 1;
}
.sim-result-monthly-lbl {
  font-size: 0.78rem;
  color: rgba(255,255,255,.4);
  margin-top: 6px;
  font-family: var(--font-body);
}
.sim-breakdown { display:flex; flex-direction:column; gap:12px; }
.sim-breakdown-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.83rem;
  font-family: var(--font-body);
}
.sim-breakdown-row span:first-child { color:rgba(255,255,255,.5); }
.sim-breakdown-row span:last-child { color:rgba(255,255,255,.85); font-weight:600; }
.sim-disclaimer {
  margin-top: 20px;
  font-size: 0.72rem;
  color: rgba(255,255,255,.3);
  font-family: var(--font-body);
  line-height: 1.6;
}

/* ═══════════════════════════════════════
   DISCLAIMER
═══════════════════════════════════════ */
.disclaimer-section { background: var(--gray-100); padding: 40px 0; }
.disclaimer-box {
  border-left: 3px solid var(--blue-light);
  padding: 24px 28px;
  background: rgba(30,77,140,.04);
  border-radius: 0 var(--radius) var(--radius) 0;
}
.disclaimer-box h5 {
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 10px;
}
.disclaimer-box p { font-size:0.8rem; line-height:1.8; color:var(--text-light); margin:0; }

/* ═══════════════════════════════════════
   RESPONSIVE
═══════════════════════════════════════ */
@media (max-width: 1100px) {
  .hero-grid { grid-template-columns: 1fr; gap: 60px; }
  .hero-card { max-width: 480px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .why-img { height: 400px; }
}

@media (max-width: 900px) {
  .services-grid { grid-template-columns: 1fr 1fr; }
  .process-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .process-grid::before { display:none; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .stat-item { border-right:none; border-bottom:1px solid rgba(255,255,255,.08); padding:20px 0; }
  .stat-item:last-child { border-bottom:none; }
  .contact-grid { grid-template-columns: 1fr; }
  .contact-info-card { position:static; }
  .faq-grid { grid-template-columns: 1fr; }
  .faq-nav { position:static; display:flex; flex-wrap:wrap; gap:8px; margin-bottom:32px; }
  .simulator-grid { grid-template-columns: 1fr; }
  .sim-result-card { position:static; }
  .loan-detail-grid { grid-template-columns: 1fr; }
  .loan-sticky { position:static; }
}

@media (max-width: 768px) {
  .top-bar { display:none; }
  .main-nav { display:none; }
  .nav-actions { display:none; }
  .mobile-toggle { display:flex; }

  /* Logo mobile — taille réduite pour ne pas déborder */
  .logo-mark { width:32px; height:32px; border-radius:8px; }
  .logo-mark svg { width:17px; height:17px; }
  .logo-name { font-size:1.1rem; }
  .logo-tagline { display:none; }
  .nav-wrap { height:60px; }
  .main-nav.active { top:60px; }
  .mobile-toggle.active span:nth-child(1) { transform:rotate(45deg) translate(5px,5px); }
  .mobile-toggle.active span:nth-child(2) { opacity:0; }
  .mobile-toggle.active span:nth-child(3) { transform:rotate(-45deg) translate(7px,-6px); }
  .main-nav.active {
    display: flex;
    flex-direction: column;
    align-items: stretch;
    position: fixed;
    top: 72px;
    left: 0; right: 0; bottom: 0;
    background: var(--navy);
    padding: 24px;
    z-index: 1001;
    overflow-y: auto;
    gap: 4px;
  }
  .main-nav.active .nav-link { padding: 16px; font-size:1rem; border-bottom:1px solid rgba(255,255,255,.06); }
  .main-nav.active .nav-dropdown { display:none; }
  .main-nav.active .nav-actions {
    display: flex;
    flex-direction: column;
    margin-top: 20px;
    padding-top: 20px;
    border-top: 1px solid rgba(255,255,255,.08);
    gap: 12px;
  }
  .main-nav.active .nav-cta { justify-content:center; padding:16px; font-size:0.9rem; }
  .container { padding: 0 20px; }
  .section { padding: 72px 0; }
  .hero { padding: 72px 0; }
  .services-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; gap: 40px; }
  .why-img { height: 280px; }
  .cta-inner { flex-direction:column; text-align:center; }
  .cta-actions { justify-content:center; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction:column; text-align:center; }
  .hero-trust { flex-wrap:wrap; gap: 20px; }
  .trust-bar-inner { flex-wrap:wrap; gap:16px; }
  .trust-sep { display:none; }
  .form-row { grid-template-columns: 1fr; }
  .form-body { padding: 28px; }
  .form-card-header { padding:28px; }
  .page-header { padding: 60px 0; }
  .elig-steps { overflow-x:auto; }
}

@media (max-width: 480px) {
  h1 { font-size: 2.2rem; }
  .hero-grid { gap: 40px; }
  .hero-card { padding: 28px; }
  .process-grid { grid-template-columns: 1fr; }
  .simulator-body { padding: 28px; }
}