/* ==========================================================================
   Vespieeren Finance — feuille de style unique
   Mobile-first. Breakpoints : 576, 768, 992, 1200 px.

   Sommaire
   1.  Polices (locales)
   2.  Variables
   3.  Reset et base
   4.  Typographie
   5.  Mise en page (container, sections, en-têtes de section)
   6.  Boutons
   7.  Header
   8.  Nav-pills
   9.  Sélecteur de langue (dropdown desktop + boutons mobile)
   10. Menu mobile (off-canvas) et burger
   11. Footer
   12. Bouton WhatsApp flottant
   13. Page 404
   14. Animations au scroll
   15. Utilitaires et accessibilité
   16. Composants de contenu (listes à coches, mentions légales, split)
   17. Accueil — Hero
   18. Accueil — Chiffres clés
   19. Accueil — Bannière taux
   20. Accueil — Cards crédits
   21. Simulateur (+ curseurs)
   22. Étapes
   23. Témoignages
   24. FAQ
   25. Bandeau CTA
   26. Bandeau de page et fil d'Ariane
   27. Composants des pages (À propos)
   28. Page Nos crédits
   29. Page Comment ça marche
   30. Formulaires
   31. Page Contact
   32. Popup de confirmation (contact)
   33. Formulaire de demande de crédit
   34. Pages légales
   35. Page de confirmation de la demande
   ========================================================================== */


/* ==========================================================================
   1. Polices (hébergées localement, woff2 variables, sous-ensemble latin)
   ========================================================================== */
@font-face {
    font-family: 'Plus Jakarta Sans';
    font-style: normal;
    font-weight: 200 800;
    font-display: swap;
    src: url('../fonts/plus-jakarta-sans-latin-wght-normal.woff2') format('woff2');
}

@font-face {
    font-family: 'Inter';
    font-style: normal;
    font-weight: 100 900;
    font-display: swap;
    src: url('../fonts/inter-latin-wght-normal.woff2') format('woff2');
}


/* ==========================================================================
   2. Variables
   ========================================================================== */
:root {
    --color-primary: #14213D;       /* bleu encre */
    --color-primary-soft: #E6EAF2;
    --color-accent: #D96C3F;        /* terracotta — CTA */
    --color-accent-hover: #BF5A30;
    --color-surface: #F6F3EE;       /* crème */
    --color-text: #1E1E1E;
    --color-muted: #6B7280;
    --color-border: #E5E1DA;
    --color-success: #2E7D5B;
    --color-error: #C0392B;
    --color-white: #FFFFFF;
    --color-whatsapp: #25D366;

    --radius: 14px;
    --radius-sm: 10px;
    --radius-lg: 22px;
    --radius-pill: 999px;
    --shadow: 0 10px 30px rgba(20, 33, 61, .08);
    --shadow-sm: 0 4px 14px rgba(20, 33, 61, .06);
    --shadow-lg: 0 20px 50px rgba(20, 33, 61, .14);

    --font-heading: 'Plus Jakarta Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
    --font-body: 'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;

    --container: 1200px;
    --gutter: 20px;
    --header-h: 68px;
    --section-space: clamp(56px, 8vw, 104px);
    --ease: cubic-bezier(.22, .61, .36, 1);
}

@media (min-width: 768px) {
    :root {
        --gutter: 32px;
    }
}

@media (min-width: 992px) {
    :root {
        --header-h: 80px;
    }
}


/* ==========================================================================
   3. Reset et base
   ========================================================================== */
*,
*::before,
*::after {
    box-sizing: border-box;
}

html {
    -webkit-text-size-adjust: 100%;
    text-size-adjust: 100%;
    scroll-behavior: smooth;
}

body {
    margin: 0;
    font-family: var(--font-body);
    font-size: 1rem;
    line-height: 1.65;
    color: var(--color-text);
    background: var(--color-white);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    text-rendering: optimizeLegibility;
}

body.menu-open {
    overflow: hidden;
}

img,
svg,
video {
    display: block;
    max-width: 100%;
}

img {
    height: auto;
}

a {
    color: inherit;
    text-decoration: none;
}

button,
input,
select,
textarea {
    font: inherit;
    color: inherit;
}

button {
    cursor: pointer;
    background: none;
    border: 0;
    padding: 0;
}

ul,
ol {
    margin: 0;
    padding: 0;
}

:focus-visible {
    outline: 3px solid var(--color-accent);
    outline-offset: 3px;
    border-radius: 4px;
}

[id] {
    scroll-margin-top: calc(var(--header-h) + 16px);
}

main:focus {
    outline: none;
}

.icon {
    width: 1.25em;
    height: 1.25em;
    flex-shrink: 0;
}


/* ==========================================================================
   4. Typographie
   ========================================================================== */
h1,
h2,
h3,
h4 {
    margin: 0 0 .6em;
    font-family: var(--font-heading);
    font-weight: 700;
    line-height: 1.15;
    letter-spacing: -.02em;
    color: var(--color-primary);
}

h1 {
    font-size: clamp(2.1rem, 1.5rem + 2.8vw, 3.6rem);
    font-weight: 800;
}

h2 {
    font-size: clamp(1.7rem, 1.3rem + 1.7vw, 2.5rem);
}

h3 {
    font-size: clamp(1.2rem, 1.1rem + .4vw, 1.4rem);
}

p {
    margin: 0 0 1em;
}

strong {
    font-weight: 600;
}


/* ==========================================================================
   5. Mise en page
   ========================================================================== */
.container {
    width: 100%;
    max-width: calc(var(--container) + var(--gutter) * 2);
    margin-inline: auto;
    padding-inline: var(--gutter);
}

.section {
    padding-block: var(--section-space);
}

.section--surface {
    background: var(--color-surface);
}

.section--primary {
    background: var(--color-primary);
    color: rgba(255, 255, 255, .85);
}

.section--primary h2,
.section--primary h3 {
    color: var(--color-white);
}

/* En-tête de section : sur-titre, titre, sous-titre */
.section-head {
    max-width: 720px;
    margin: 0 auto clamp(36px, 5vw, 56px);
    text-align: center;
}

.section-head--left {
    margin-inline: 0;
    text-align: left;
}

.eyebrow {
    display: inline-block;
    margin-bottom: 14px;
    font-family: var(--font-heading);
    font-size: .8rem;
    font-weight: 700;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: var(--color-accent);
}

.section-subtitle {
    margin: 0;
    font-size: 1.1rem;
    color: var(--color-muted);
}

.section--primary .section-subtitle {
    color: rgba(255, 255, 255, .75);
}

/* Cadre d'image : fond crème si l'image est absente */
.media {
    position: relative;
    overflow: hidden;
    background: var(--color-surface);
    border-radius: var(--radius-lg);
}

.media img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}


/* ==========================================================================
   6. Boutons
   ========================================================================== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: .55em;
    min-height: 48px;
    padding: 12px 26px;
    border: 2px solid transparent;
    border-radius: var(--radius-pill);
    font-family: var(--font-heading);
    font-size: .98rem;
    font-weight: 700;
    line-height: 1.2;
    text-align: center;
    white-space: nowrap;
    cursor: pointer;
    transition: background-color .2s var(--ease), border-color .2s var(--ease), color .2s var(--ease),
                transform .2s var(--ease), box-shadow .2s var(--ease);
}

.btn:hover {
    transform: translateY(-1px);
}

.btn:active {
    transform: translateY(0);
}

.btn .icon {
    width: 1.1em;
    height: 1.1em;
}

.btn--accent {
    background: var(--color-accent);
    color: var(--color-white);
    box-shadow: 0 6px 18px rgba(217, 108, 63, .28);
}

.btn--accent:hover {
    background: var(--color-accent-hover);
    box-shadow: 0 10px 24px rgba(217, 108, 63, .34);
}

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

.btn--primary:hover {
    background: #0C1528;
}

.btn--outline {
    border-color: var(--color-primary);
    color: var(--color-primary);
}

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

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

.btn--light:hover {
    background: var(--color-primary-soft);
}

.btn--outline-light {
    border-color: rgba(255, 255, 255, .6);
    color: var(--color-white);
}

.btn--outline-light:hover {
    background: var(--color-white);
    border-color: var(--color-white);
    color: var(--color-primary);
}

.btn--lg {
    min-height: 56px;
    padding: 14px 32px;
    font-size: 1.05rem;
}

.btn--sm {
    min-height: 40px;
    padding: 8px 18px;
    font-size: .9rem;
}

.btn--block {
    display: flex;
    width: 100%;
}

.btn[disabled],
.btn.is-loading {
    opacity: .7;
    pointer-events: none;
}

/* Spinner utilisé pendant l'envoi des formulaires */
.spinner {
    width: 1.1em;
    height: 1.1em;
    border: 2px solid currentColor;
    border-right-color: transparent;
    border-radius: 50%;
    animation: spin .7s linear infinite;
}

@keyframes spin {
    to { transform: rotate(360deg); }
}


/* ==========================================================================
   7. Header
   ========================================================================== */
.skip-link {
    position: absolute;
    top: 8px;
    left: 8px;
    z-index: 1000;
    padding: 10px 16px;
    border-radius: var(--radius-sm);
    background: var(--color-primary);
    color: var(--color-white);
    font-weight: 600;
    transform: translateY(-150%);
    transition: transform .2s var(--ease);
}

.skip-link:focus {
    transform: translateY(0);
}

.site-header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: var(--color-white);
    transition: box-shadow .25s var(--ease);
}

.site-header.scrolled {
    box-shadow: 0 6px 24px rgba(20, 33, 61, .08);
}

.header-inner {
    display: flex;
    align-items: center;
    gap: 16px;
    height: var(--header-h);
}

.brand {
    display: inline-flex;
    align-items: center;
    flex-shrink: 0;
    margin-right: auto;
}

.brand-logo {
    width: auto;
    height: 44px;
}

/* Nom de la société en texte tant que le logo n'est pas fourni */
.brand-text {
    font-family: var(--font-heading);
    font-size: 1.3rem;
    font-weight: 800;
    letter-spacing: -.03em;
    color: var(--color-primary);
    white-space: nowrap;
}

.brand-text::after {
    content: '';
    display: inline-block;
    width: .32em;
    height: .32em;
    margin-left: .12em;
    border-radius: 50%;
    background: var(--color-accent);
}

.brand-text--light {
    color: var(--color-white);
}

.header-actions {
    display: none;
    align-items: center;
    gap: 12px;
}

.header-phone {
    display: none;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    border: 1px solid var(--color-border);
    border-radius: 50%;
    color: var(--color-primary);
    transition: background-color .2s var(--ease), border-color .2s var(--ease);
}

.header-phone:hover {
    background: var(--color-primary-soft);
    border-color: var(--color-primary-soft);
}

.header-phone .icon {
    width: 18px;
    height: 18px;
}

.header-cta {
    min-height: 44px;
    padding: 10px 20px;
    font-size: .95rem;
}

/* Header complet à partir de 1200 px (en dessous : burger, les libellés ES ne tiennent pas) */
@media (min-width: 1200px) {
    .brand {
        margin-right: 0;
    }

    .brand-logo {
        height: 50px;
    }

    .header-actions {
        display: flex;
    }
}

/* Bouton téléphone seulement quand la place le permet */
@media (min-width: 1400px) {
    .header-phone {
        display: inline-flex;
    }
}


/* ==========================================================================
   8. Nav-pills
   ========================================================================== */
.nav-pills {
    display: flex;
    padding: 5px;
    list-style: none;
    background: var(--color-surface);
    border-radius: var(--radius-pill);
}

.nav-pill {
    display: block;
    padding: 10px 15px;
    border-radius: var(--radius-pill);
    font-size: .9rem;
    font-weight: 500;
    line-height: 1.3;
    color: var(--color-text);
    white-space: nowrap;
    transition: background-color .2s var(--ease), color .2s var(--ease);
}

.nav-pill:hover {
    background: var(--color-primary-soft);
    color: var(--color-primary);
}

.nav-pill.active,
.nav-pill.active:hover {
    background: var(--color-primary);
    color: var(--color-white);
}


/* ==========================================================================
   9. Sélecteur de langue
   ========================================================================== */
.flag {
    width: 20px;
    height: 14px;
    border-radius: 3px;
    box-shadow: 0 0 0 1px rgba(0, 0, 0, .08);
    flex-shrink: 0;
}

/* --- Dropdown desktop --- */
.lang-dropdown {
    position: relative;
}

.lang-toggle {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    height: 44px;
    padding: 0 10px;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-pill);
    background: var(--color-white);
    font-size: .9rem;
    font-weight: 600;
    color: var(--color-primary);
    transition: border-color .2s var(--ease), background-color .2s var(--ease);
}

.lang-toggle:hover,
.lang-toggle[aria-expanded="true"] {
    border-color: var(--color-primary);
}

.lang-toggle__chevron {
    width: 16px;
    height: 16px;
    transition: transform .2s var(--ease);
}

.lang-toggle[aria-expanded="true"] .lang-toggle__chevron {
    transform: rotate(180deg);
}

.lang-menu {
    position: absolute;
    top: calc(100% + 8px);
    right: 0;
    z-index: 10;
    min-width: 180px;
    padding: 6px;
    list-style: none;
    background: var(--color-white);
    border: 1px solid var(--color-border);
    border-radius: var(--radius);
    box-shadow: var(--shadow-lg);
    animation: dropdown-in .18s var(--ease);
}

.lang-menu[hidden] {
    display: none;
}

.lang-menu__item {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 10px 12px;
    border-radius: var(--radius-sm);
    font-size: .95rem;
    font-weight: 500;
    transition: background-color .15s var(--ease);
}

.lang-menu__item:hover,
.lang-menu__item:focus-visible {
    background: var(--color-surface);
}

.lang-menu__code {
    font-weight: 700;
    color: var(--color-primary);
}

@keyframes dropdown-in {
    from { opacity: 0; transform: translateY(-6px); }
    to { opacity: 1; transform: translateY(0); }
}

/* --- Boutons DE | ES du menu mobile --- */
.lang-switch {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
}

.lang-switch__btn {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    min-height: 48px;
    border: 1px solid var(--color-border);
    border-radius: var(--radius);
    font-weight: 700;
    color: var(--color-primary);
    transition: background-color .2s var(--ease), border-color .2s var(--ease);
}

.lang-switch__btn:hover {
    border-color: var(--color-primary);
}

.lang-switch__btn.is-active {
    background: var(--color-primary);
    border-color: var(--color-primary);
    color: var(--color-white);
}


/* ==========================================================================
   10. Menu mobile (off-canvas) et burger
   ========================================================================== */
.burger {
    display: inline-flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 5px;
    width: 46px;
    height: 46px;
    border-radius: 50%;
    background: var(--color-surface);
    transition: background-color .2s var(--ease);
}

.burger:hover {
    background: var(--color-primary-soft);
}

.burger__line {
    display: block;
    width: 20px;
    height: 2px;
    border-radius: 2px;
    background: var(--color-primary);
    transition: transform .3s var(--ease), opacity .2s var(--ease);
}

.burger[aria-expanded="true"] .burger__line:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
}

.burger[aria-expanded="true"] .burger__line:nth-child(2) {
    opacity: 0;
}

.burger[aria-expanded="true"] .burger__line:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
}

/* Panneau plein écran sous le header (mobile et tablette) */
@media (max-width: 1199.98px) {
    .main-nav {
        position: fixed;
        top: var(--header-h);
        right: 0;
        bottom: 0;
        left: 0;
        z-index: 99;
        display: flex;
        flex-direction: column;
        gap: 28px;
        padding: 24px var(--gutter) calc(32px + env(safe-area-inset-bottom));
        overflow-y: auto;
        overscroll-behavior: contain;
        background: var(--color-white);
        border-top: 1px solid var(--color-border);
        transform: translateX(100%);
        visibility: hidden;
        transition: transform .35s var(--ease), visibility 0s linear .35s;
    }

    .menu-open .main-nav {
        transform: translateX(0);
        visibility: visible;
        transition: transform .35s var(--ease), visibility 0s;
    }

    .nav-pills {
        flex-direction: column;
        gap: 4px;
        padding: 8px;
        border-radius: var(--radius-lg);
    }

    .nav-pill {
        padding: 14px 20px;
        font-size: 1.05rem;
    }

    .main-nav__extra {
        display: flex;
        flex-direction: column;
        gap: 16px;
        margin-top: auto;
    }

    .main-nav__phone {
        display: flex;
        align-items: center;
        justify-content: center;
        gap: 10px;
        min-height: 48px;
        font-weight: 600;
        color: var(--color-primary);
    }

    .main-nav__phone .icon {
        width: 18px;
        height: 18px;
        color: var(--color-accent);
    }
}

@media (min-width: 1200px) {
    .main-nav {
        display: flex;
        flex: 1;
        justify-content: center;
    }

    .main-nav__extra,
    .burger {
        display: none;
    }
}


/* ==========================================================================
   11. Footer
   ========================================================================== */
.site-footer {
    padding-top: clamp(56px, 7vw, 80px);
    background: var(--color-primary);
    color: rgba(255, 255, 255, .75);
    font-size: .95rem;
}

.footer-grid {
    display: grid;
    gap: 40px;
    padding-bottom: 48px;
}

.footer-brand {
    display: inline-block;
    margin-bottom: 18px;
}

.footer-brand img {
    width: auto;
    height: 44px;
}

.footer-description {
    max-width: 360px;
    margin-bottom: 22px;
}

.footer-title {
    margin-bottom: 18px;
    font-size: 1.05rem;
    font-weight: 700;
    letter-spacing: 0;
    color: var(--color-white);
}

.footer-links {
    display: grid;
    gap: 10px;
    list-style: none;
}

.site-footer a {
    transition: color .2s var(--ease);
}

.footer-links a:hover,
.footer-contact a:hover {
    color: var(--color-white);
    text-decoration: underline;
    text-underline-offset: 3px;
}

.footer-contact {
    display: grid;
    gap: 12px;
    list-style: none;
}

.footer-contact li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
}

.footer-contact .icon {
    width: 18px;
    height: 18px;
    margin-top: 3px;
    color: var(--color-accent);
}

.footer-social {
    display: flex;
    gap: 10px;
    margin-top: 24px;
    list-style: none;
}

.footer-social a {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: rgba(255, 255, 255, .08);
    color: var(--color-white);
    transition: background-color .2s var(--ease);
}

.footer-social a:hover {
    background: var(--color-accent);
}

.footer-social .icon {
    width: 18px;
    height: 18px;
}

/* Autorité de contrôle / numéro d'agrément */
.footer-regulatory {
    display: grid;
    gap: 8px;
    padding-block: 20px;
    border-top: 1px solid rgba(255, 255, 255, .12);
    font-size: .85rem;
}

.footer-regulatory p {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin: 0;
}

.footer-regulatory .icon {
    width: 16px;
    height: 16px;
    margin-top: 3px;
    color: var(--color-accent);
}

.footer-regulatory strong {
    color: var(--color-white);
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, .12);
    font-size: .875rem;
}

.footer-bottom__inner {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 12px 24px;
    padding-block: 20px;
}

.footer-bottom p {
    margin: 0;
}

.footer-lang {
    display: flex;
    list-style: none;
}

.footer-lang li + li::before {
    content: '|';
    margin-inline: 10px;
    color: rgba(255, 255, 255, .3);
}

.footer-lang a:hover,
.footer-lang a.is-active {
    color: var(--color-white);
}

.footer-lang a.is-active {
    font-weight: 600;
}

@media (min-width: 576px) {
    .footer-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .footer-col--brand {
        grid-column: 1 / -1;
    }
}

@media (min-width: 992px) {
    .footer-grid {
        grid-template-columns: 1.5fr 1fr 1fr 1fr;
        gap: 48px;
    }

    .footer-col--brand {
        grid-column: auto;
    }
}


/* ==========================================================================
   12. Bouton WhatsApp flottant
   ========================================================================== */
.whatsapp-float {
    position: fixed;
    right: max(20px, env(safe-area-inset-right));
    bottom: max(20px, env(safe-area-inset-bottom));
    z-index: 90;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: var(--color-whatsapp);
    color: var(--color-white);
    box-shadow: 0 8px 24px rgba(37, 211, 102, .4);
    transition: transform .2s var(--ease), box-shadow .2s var(--ease);
}

.whatsapp-float:hover {
    transform: scale(1.07);
    box-shadow: 0 12px 28px rgba(37, 211, 102, .5);
}

.whatsapp-float .icon {
    width: 28px;
    height: 28px;
}

.menu-open .whatsapp-float {
    display: none;
}


/* ==========================================================================
   13. Page 404
   ========================================================================== */
.error-page {
    padding-block: clamp(72px, 12vw, 140px);
    text-align: center;
}

.error-page__code {
    margin-bottom: 8px;
    font-family: var(--font-heading);
    font-size: clamp(5rem, 3rem + 10vw, 9rem);
    font-weight: 800;
    line-height: 1;
    letter-spacing: -.05em;
    color: var(--color-accent);
}

.error-page__text {
    max-width: 520px;
    margin: 0 auto 32px;
    font-size: 1.1rem;
    color: var(--color-muted);
}

.error-page__actions {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 12px;
}


/* ==========================================================================
   14. Animations au scroll (IntersectionObserver, voir main.js)
   La classe .reveal-ready est posée par main.js lui-même : si le script ne se
   charge pas, le contenu reste visible.
   ========================================================================== */
.reveal-ready [data-reveal] {
    opacity: 0;
    transform: translateY(24px);
    transition: opacity .7s var(--ease), transform .7s var(--ease);
    transition-delay: var(--reveal-delay, 0s);
}

.reveal-ready [data-reveal].is-visible {
    opacity: 1;
    transform: none;
}

@media (prefers-reduced-motion: reduce) {
    html {
        scroll-behavior: auto;
    }

    *,
    *::before,
    *::after {
        animation-duration: .01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: .01ms !important;
        transition-delay: 0s !important;
    }

    .reveal-ready [data-reveal] {
        opacity: 1;
        transform: none;
    }
}


/* ==========================================================================
   15. Utilitaires et accessibilité
   ========================================================================== */
.visually-hidden {
    position: absolute !important;
    width: 1px !important;
    height: 1px !important;
    margin: -1px !important;
    padding: 0 !important;
    overflow: hidden !important;
    clip: rect(0 0 0 0) !important;
    white-space: nowrap !important;
    border: 0 !important;
}

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

.text-muted {
    color: var(--color-muted);
}

.text-accent {
    color: var(--color-accent);
}


/* ==========================================================================
   16. Composants de contenu
   ========================================================================== */
.lead {
    font-size: 1.1rem;
    color: var(--color-muted);
}

/* Liste avec icône « coche » */
.check-list {
    display: grid;
    gap: 12px;
    margin-bottom: 28px;
    list-style: none;
}

.check-list li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-weight: 500;
}

.check-list .icon {
    width: 22px;
    height: 22px;
    margin-top: 1px;
    color: var(--color-success);
}

/* Exemple représentatif / mentions obligatoires à côté du taux */
.legal-note {
    margin: 0;
    font-size: .8rem;
    line-height: 1.55;
    color: var(--color-muted);
}

.legal-note strong {
    font-weight: 600;
    color: var(--color-text);
}

.legal-note--light,
.legal-note--light strong {
    color: rgba(255, 255, 255, .72);
}

.section-foot {
    display: grid;
    justify-items: center;
    gap: 20px;
    max-width: 820px;
    margin: 40px auto 0;
    text-align: center;
}

/* Deux colonnes : image + texte */
.split {
    display: grid;
    gap: 40px;
    align-items: center;
}

.media--landscape {
    aspect-ratio: 9 / 7;
}

/* Sur fond crème, le fond de remplacement doit rester visible */
.section--surface .media,
.hero .media {
    background: var(--color-primary-soft);
}

@media (min-width: 992px) {
    .split {
        grid-template-columns: 1fr 1fr;
        gap: 72px;
    }

    .split--reverse {
        align-items: start;
    }

    .split--reverse .split__media {
        order: 2;
    }

    .split__sticky {
        position: sticky;
        top: calc(var(--header-h) + 32px);
    }
}


/* ==========================================================================
   17. Accueil — Hero
   ========================================================================== */
.hero {
    display: flex;
    align-items: center;
    /* Pleine hauteur, plafonnée pour les très grands écrans */
    min-height: min(calc(100vh - var(--header-h)), 900px);
    min-height: min(calc(100svh - var(--header-h)), 900px);
    padding-block: 48px 40px;
    background: var(--color-surface);
}

.hero-grid {
    display: grid;
    gap: 48px;
    align-items: center;
}

.hero-title {
    margin-bottom: 20px;
}

.hero-subtitle {
    max-width: 580px;
    margin-bottom: 32px;
    font-size: clamp(1.05rem, 1rem + .3vw, 1.2rem);
    color: var(--color-muted);
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-bottom: 32px;
}

.hero-trust {
    margin-bottom: 0;
    font-size: .95rem;
}

.hero-visual {
    position: relative;
    padding-bottom: 28px;
}

.hero-media {
    aspect-ratio: 4 / 3;
    box-shadow: var(--shadow-lg);
}

/* Badge « 3 % » posé sur l'image */
.rate-badge {
    position: absolute;
    bottom: 0;
    left: 20px;
    display: grid;
    padding: 18px 26px;
    background: var(--color-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
}

.rate-badge__value {
    font-family: var(--font-heading);
    font-size: clamp(2.6rem, 2rem + 2.5vw, 3.6rem);
    font-weight: 800;
    line-height: 1;
    letter-spacing: -.04em;
    color: var(--color-accent);
}

.rate-badge__label {
    margin-top: 6px;
    font-size: .85rem;
    font-weight: 600;
    color: var(--color-primary);
}

.hero-note {
    max-width: 900px;
    margin-top: 40px;
}

@media (max-width: 575.98px) {
    .hero-actions .btn {
        width: 100%;
    }
}

@media (min-width: 992px) {
    .hero {
        padding-block: 56px 48px;
    }

    .hero-grid {
        grid-template-columns: 1.05fr .95fr;
        gap: 64px;
    }

    .hero-media {
        aspect-ratio: 5 / 6;
    }

    .hero-visual {
        padding-bottom: 0;
    }

    .rate-badge {
        bottom: 48px;
        left: -32px;
    }
}


/* ==========================================================================
   18. Accueil — Chiffres clés
   ========================================================================== */
.stats {
    padding-block: 48px;
    border-bottom: 1px solid var(--color-border);
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 32px 24px;
    list-style: none;
}

/* Nombre impair de compteurs sur mobile : le dernier prend toute la largeur */
.stat:last-child:nth-child(odd) {
    grid-column: 1 / -1;
}

.stat {
    display: grid;
    gap: 4px;
    text-align: center;
}

.stat__value {
    font-family: var(--font-heading);
    font-size: clamp(1.8rem, 1.5rem + 1.6vw, 2.8rem);
    font-weight: 800;
    line-height: 1.1;
    letter-spacing: -.03em;
    color: var(--color-primary);
    font-variant-numeric: tabular-nums;
    white-space: nowrap;
}

.stat__label {
    font-size: .95rem;
    color: var(--color-muted);
}

@media (min-width: 992px) {
    /* --stat-count : nombre de compteurs affichés (1 à 4), posé par la page */
    .stats-grid {
        grid-template-columns: repeat(var(--stat-count, 4), 1fr);
    }

    .stat:last-child:nth-child(odd) {
        grid-column: auto;
    }

    .stat + .stat {
        border-left: 1px solid var(--color-border);
    }
}


/* ==========================================================================
   19. Accueil — Bannière taux
   ========================================================================== */
.rate-banner {
    position: relative;
    overflow: hidden;
    padding-block: clamp(64px, 9vw, 112px);
    background: var(--color-primary);
    color: rgba(255, 255, 255, .85);
}

.rate-banner__bg {
    position: absolute;
    inset: 0;
}

.rate-banner__bg img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    opacity: .22;
}

.rate-banner__bg::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, rgba(20, 33, 61, .95) 0%, rgba(20, 33, 61, .7) 60%, rgba(20, 33, 61, .5) 100%);
}

.rate-banner__inner {
    position: relative;
    display: grid;
    gap: 16px 64px;
    align-items: center;
}

.rate-banner__rate {
    margin: 0;
    font-family: var(--font-heading);
    font-size: clamp(5rem, 3rem + 10vw, 10rem);
    font-weight: 800;
    line-height: .9;
    letter-spacing: -.05em;
    color: var(--color-accent);
    white-space: nowrap;
}

.rate-banner h2 {
    color: var(--color-white);
}

.rate-banner__text {
    max-width: 560px;
    margin-bottom: 28px;
    font-size: 1.1rem;
}

.rate-banner .legal-note {
    max-width: 640px;
    margin-top: 28px;
}

@media (min-width: 992px) {
    .rate-banner__inner {
        grid-template-columns: auto 1fr;
    }
}


/* ==========================================================================
   20. Accueil — Cards crédits
   ========================================================================== */
.credit-grid {
    display: grid;
    gap: 20px;
    list-style: none;
}

.credit-card {
    display: flex;
    flex-direction: column;
    padding: 28px 24px 24px;
    background: var(--color-white);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    transition: transform .25s var(--ease), box-shadow .25s var(--ease), border-color .25s var(--ease);
}

.credit-card:hover {
    transform: translateY(-4px);
    border-color: transparent;
    box-shadow: var(--shadow);
}

.credit-card__icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 52px;
    height: 52px;
    margin-bottom: 20px;
    border-radius: 16px;
    background: var(--color-primary-soft);
    color: var(--color-primary);
    transition: background-color .25s var(--ease), color .25s var(--ease);
}

.credit-card:hover .credit-card__icon {
    background: var(--color-accent);
    color: var(--color-white);
}

.credit-card__icon .icon {
    width: 26px;
    height: 26px;
}

.credit-card__title {
    margin-bottom: 8px;
    font-size: 1.12rem;
}

.credit-card__title a:hover {
    color: var(--color-accent);
}

.credit-card__text {
    flex: 1;
    margin-bottom: 20px;
    font-size: .93rem;
    color: var(--color-muted);
}

.credit-card__btn {
    align-self: flex-start;
}

/* Mobile : cards compactes, icône à gauche */
@media (max-width: 575.98px) {
    .credit-card {
        display: grid;
        grid-template-columns: 44px 1fr;
        column-gap: 16px;
        padding: 20px;
    }

    .credit-card__icon {
        grid-row: 1 / span 3;
        width: 44px;
        height: 44px;
        margin-bottom: 0;
        border-radius: 12px;
    }

    .credit-card__icon .icon {
        width: 22px;
        height: 22px;
    }

    .credit-card__title {
        margin-bottom: 4px;
    }

    .credit-card__text {
        margin-bottom: 14px;
    }
}

@media (min-width: 576px) {
    .credit-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 1200px) {
    .credit-grid {
        grid-template-columns: repeat(5, 1fr);
        gap: 16px;
    }

    .credit-card {
        padding: 24px 20px 20px;
    }
}


/* ==========================================================================
   21. Simulateur (+ curseurs)
   ========================================================================== */
.simulator {
    display: grid;
    overflow: hidden;
    max-width: 1040px;
    margin-inline: auto;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow);
}

.simulator__controls {
    display: grid;
    gap: 36px;
    padding: clamp(24px, 4vw, 44px);
    background: var(--color-white);
}

.sim-field__head {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin-bottom: 16px;
}

.sim-field__label {
    font-family: var(--font-heading);
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--color-primary);
}

.sim-field__bounds {
    display: flex;
    justify-content: space-between;
    margin-top: 10px;
    font-size: .8rem;
    color: var(--color-muted);
}

/* Champ numérique avec unité (€, Monate…) */
.input-unit {
    display: inline-flex;
    align-items: center;
    overflow: hidden;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-sm);
    background: var(--color-white);
    transition: border-color .2s var(--ease), box-shadow .2s var(--ease);
}

.input-unit:focus-within {
    border-color: var(--color-primary);
    box-shadow: 0 0 0 3px var(--color-primary-soft);
}

.input-unit__input {
    width: 8.5rem;
    min-height: 44px;
    padding: 8px 4px 8px 14px;
    border: 0;
    background: transparent;
    font-family: var(--font-heading);
    font-size: 1.1rem;
    font-weight: 700;
    text-align: right;
    color: var(--color-primary);
    -moz-appearance: textfield;
    appearance: textfield;
}

.input-unit__input:focus {
    outline: none;
}

.input-unit__input::-webkit-outer-spin-button,
.input-unit__input::-webkit-inner-spin-button {
    margin: 0;
    -webkit-appearance: none;
}

.input-unit__suffix {
    padding: 0 14px 0 6px;
    font-weight: 600;
    color: var(--color-muted);
}

/* Curseur : piste remplie jusqu'à --fill (mis à jour en JS) */
.range {
    --fill: 50%;
    width: 100%;
    height: 28px;
    margin: 0;
    background: transparent;
    cursor: pointer;
    -webkit-appearance: none;
    appearance: none;
}

.range:focus {
    outline: none;
}

.range::-webkit-slider-runnable-track {
    height: 8px;
    border-radius: 999px;
    background: linear-gradient(to right, var(--color-accent) var(--fill), var(--color-primary-soft) var(--fill));
}

.range::-moz-range-track {
    height: 8px;
    border-radius: 999px;
    background: var(--color-primary-soft);
}

.range::-moz-range-progress {
    height: 8px;
    border-radius: 999px;
    background: var(--color-accent);
}

.range::-webkit-slider-thumb {
    width: 26px;
    height: 26px;
    margin-top: -9px;
    border: 4px solid var(--color-white);
    border-radius: 50%;
    background: var(--color-accent);
    box-shadow: 0 2px 8px rgba(20, 33, 61, .3);
    -webkit-appearance: none;
    appearance: none;
    transition: transform .15s var(--ease);
}

.range::-moz-range-thumb {
    width: 18px;
    height: 18px;
    border: 4px solid var(--color-white);
    border-radius: 50%;
    background: var(--color-accent);
    box-shadow: 0 2px 8px rgba(20, 33, 61, .3);
}

.range:hover::-webkit-slider-thumb {
    transform: scale(1.1);
}

.range:focus-visible::-webkit-slider-thumb {
    outline: 3px solid var(--color-primary);
    outline-offset: 2px;
}

.range:focus-visible::-moz-range-thumb {
    outline: 3px solid var(--color-primary);
    outline-offset: 2px;
}

/* Résultat */
.simulator__result {
    display: flex;
    flex-direction: column;
    padding: clamp(24px, 4vw, 44px);
    background: var(--color-primary);
    color: rgba(255, 255, 255, .8);
}

.sim-result__label {
    margin-bottom: 4px;
    font-weight: 600;
}

.sim-result__monthly {
    margin-bottom: 24px;
    font-family: var(--font-heading);
    font-size: clamp(2.4rem, 2rem + 2vw, 3.2rem);
    font-weight: 800;
    line-height: 1.1;
    letter-spacing: -.03em;
    color: var(--color-white);
    font-variant-numeric: tabular-nums;
}

.sim-result__list {
    display: grid;
    margin: 0 0 28px;
}

.sim-result__list div {
    display: flex;
    justify-content: space-between;
    gap: 16px;
    padding-block: 12px;
    border-top: 1px solid rgba(255, 255, 255, .14);
}

.sim-result__list dt {
    font-size: .95rem;
}

.sim-result__list dd {
    margin: 0;
    font-weight: 700;
    color: var(--color-white);
    text-align: right;
    font-variant-numeric: tabular-nums;
}

.simulator__result .btn {
    margin-top: auto;
    white-space: normal;
}

@media (min-width: 992px) {
    .simulator {
        grid-template-columns: 1.25fr 1fr;
    }
}


/* ==========================================================================
   22. Étapes
   ========================================================================== */
.steps {
    display: grid;
    gap: 4px;
    margin-bottom: 32px;
    list-style: none;
}

.step {
    position: relative;
    display: flex;
    gap: 20px;
    padding-bottom: 24px;
}

/* Trait vertical reliant les numéros */
.step:not(:last-child)::before {
    content: "";
    position: absolute;
    top: 48px;
    bottom: 4px;
    left: 21px;
    width: 2px;
    background: var(--color-border);
}

.step__number {
    display: inline-flex;
    flex-shrink: 0;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: var(--color-primary);
    font-family: var(--font-heading);
    font-weight: 800;
    color: var(--color-white);
}

.step__title {
    display: flex;
    align-items: center;
    gap: 10px;
    margin: 8px 0 6px;
    font-size: 1.1rem;
}

.step__title .icon {
    width: 20px;
    height: 20px;
    color: var(--color-accent);
}

.step__body p {
    margin: 0;
    color: var(--color-muted);
}


/* ==========================================================================
   23. Témoignages
   ========================================================================== */
.testimonial-grid {
    display: grid;
    gap: 24px;
    list-style: none;
}

.testimonial figure {
    display: flex;
    flex-direction: column;
    height: 100%;
    margin: 0;
    padding: 28px;
    background: var(--color-white);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
}

.stars {
    display: flex;
    gap: 2px;
    margin-bottom: 16px;
}

.star {
    width: 18px;
    height: 18px;
    color: var(--color-border);
}

.star.is-filled {
    color: #E3B341;
    fill: currentColor;
}

.testimonial__text {
    flex: 1;
    margin: 0 0 24px;
}

.testimonial__text p {
    margin: 0;
}

.testimonial__author {
    display: flex;
    align-items: center;
    gap: 14px;
    line-height: 1.35;
}

.testimonial__author strong {
    display: block;
    color: var(--color-primary);
}

/* Avatar : icône utilisateur dans un cercle aux couleurs du site (pas de photo) */
.testimonial__avatar {
    display: inline-flex;
    flex-shrink: 0;
    align-items: center;
    justify-content: center;
    width: 52px;
    height: 52px;
    border-radius: 50%;
    background: var(--color-primary-soft);
    color: var(--color-primary);
}

.testimonial__avatar .icon {
    width: 26px;
    height: 26px;
}

.testimonial__location {
    font-size: .88rem;
    color: var(--color-muted);
}

/* Colonnes de largeur fixe centrées : 1, 2 ou 3 témoignages restent équilibrés */
@media (min-width: 768px) {
    .testimonial-grid {
        grid-template-columns: repeat(auto-fit, minmax(300px, 380px));
        justify-content: center;
    }
}


/* ==========================================================================
   24. FAQ (accordéon <details>)
   ========================================================================== */
.faq-grid {
    display: grid;
    gap: 12px;
}

.faq-col {
    display: grid;
    gap: 12px;
    align-content: start;
}

.faq-item {
    background: var(--color-white);
    border: 1px solid var(--color-border);
    border-radius: var(--radius);
    transition: border-color .2s var(--ease), box-shadow .2s var(--ease);
}

.faq-item[open] {
    border-color: transparent;
    box-shadow: var(--shadow-sm);
}

.faq-item__question {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    padding: 18px 22px;
    font-family: var(--font-heading);
    font-weight: 700;
    color: var(--color-primary);
    cursor: pointer;
    list-style: none;
}

.faq-item__question::-webkit-details-marker {
    display: none;
}

.faq-item__question:focus-visible {
    outline-offset: -3px;
    border-radius: var(--radius);
}

.faq-item__icon {
    width: 22px;
    height: 22px;
    padding: 3px;
    border-radius: 50%;
    background: var(--color-primary-soft);
    transition: transform .25s var(--ease), background-color .25s var(--ease), color .25s var(--ease);
}

.faq-item[open] .faq-item__icon {
    transform: rotate(45deg);
    background: var(--color-accent);
    color: var(--color-white);
}

.faq-item__answer {
    padding: 0 22px 20px;
    color: var(--color-muted);
}

.faq-item__answer p {
    margin: 0;
}

@media (min-width: 992px) {
    .faq-grid {
        grid-template-columns: 1fr 1fr;
        gap: 12px 24px;
    }
}


/* ==========================================================================
   25. Bandeau CTA
   ========================================================================== */
.cta-band {
    padding-block: clamp(64px, 8vw, 96px);
    background: var(--color-primary);
    background-image: radial-gradient(circle at 85% 20%, rgba(217, 108, 63, .28), transparent 45%),
                      radial-gradient(circle at 10% 90%, rgba(230, 234, 242, .08), transparent 40%);
    color: rgba(255, 255, 255, .85);
    text-align: center;
}

.cta-band__inner {
    max-width: 820px;
}

.cta-band h2 {
    color: var(--color-white);
}

.cta-band__text {
    margin-bottom: 32px;
    font-size: 1.15rem;
}

.cta-band__actions {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 12px;
    margin-bottom: 32px;
}


/* ==========================================================================
   26. Bandeau de page (pages intérieures) et fil d'Ariane
   ========================================================================== */
.page-hero {
    position: relative;
    overflow: hidden;
    padding-block: clamp(48px, 7vw, 88px);
    background: var(--color-surface);
}

.page-hero__bg {
    position: absolute;
    inset: 0;
}

.page-hero__bg img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.page-hero__bg::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, rgba(20, 33, 61, .9) 0%, rgba(20, 33, 61, .65) 55%, rgba(20, 33, 61, .35) 100%);
}

.page-hero__inner {
    position: relative;
}

.page-hero__title {
    max-width: 820px;
    margin-bottom: 14px;
}

.page-hero__subtitle {
    max-width: 640px;
    margin: 0;
    font-size: clamp(1.05rem, 1rem + .3vw, 1.2rem);
    color: var(--color-muted);
}

.page-hero--image {
    color: var(--color-white);
}

.page-hero--image .page-hero__title {
    color: var(--color-white);
}

.page-hero--image .page-hero__subtitle {
    color: rgba(255, 255, 255, .85);
}

.breadcrumb ol {
    display: flex;
    flex-wrap: wrap;
    gap: 6px;
    margin-bottom: 18px;
    list-style: none;
    font-size: .875rem;
    color: var(--color-muted);
}

.breadcrumb li + li::before {
    content: "/";
    margin-right: 6px;
    opacity: .6;
}

.breadcrumb a {
    color: var(--color-primary);
    font-weight: 500;
}

.breadcrumb a:hover {
    text-decoration: underline;
    text-underline-offset: 3px;
}

.page-hero--image .breadcrumb ol,
.page-hero--image .breadcrumb a {
    color: rgba(255, 255, 255, .85);
}


/* ==========================================================================
   27. Composants des pages (À propos)
   ========================================================================== */
.section--tight {
    padding-block: clamp(48px, 6vw, 72px) 24px;
}

.prose p:last-child {
    margin-bottom: 0;
}

.prose p,
.prose li {
    color: var(--color-muted);
}

.prose ul {
    margin: 0 0 1em 1.2em;
}

.media--photo {
    aspect-ratio: 3 / 2;
}

.media--card {
    aspect-ratio: 4 / 3;
}

@media (min-width: 992px) {
    .split--top {
        align-items: start;
    }
}

/* Mission : carte centrée */
.mission {
    max-width: 820px;
    margin-inline: auto;
    text-align: center;
}

.mission__icon,
.security__icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 64px;
    height: 64px;
    margin-bottom: 20px;
    border-radius: 20px;
    background: var(--color-primary);
    color: var(--color-white);
}

.mission__icon .icon,
.security__icon .icon {
    width: 30px;
    height: 30px;
}

.mission__text {
    margin: 0;
    font-family: var(--font-heading);
    font-size: clamp(1.2rem, 1rem + .8vw, 1.55rem);
    font-weight: 600;
    line-height: 1.5;
    color: var(--color-primary);
}

/* Liste de valeurs avec icône */
.feature-list {
    display: grid;
    gap: 16px;
    list-style: none;
}

.feature {
    display: flex;
    gap: 18px;
    padding: 22px;
    background: var(--color-white);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
}

.feature__icon {
    display: inline-flex;
    flex-shrink: 0;
    align-items: center;
    justify-content: center;
    width: 48px;
    height: 48px;
    border-radius: 14px;
    background: var(--color-primary-soft);
    color: var(--color-primary);
}

.feature__title {
    margin-bottom: 6px;
    font-size: 1.15rem;
}

.feature p {
    margin: 0;
    color: var(--color-muted);
}

/* Présence DE / ES */
.country-grid {
    display: grid;
    gap: 20px;
    max-width: 900px;
    margin-inline: auto;
    list-style: none;
}

.country-card {
    padding: 32px;
    background: var(--color-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
}

.country-card__flag .flag {
    width: 48px;
    height: 32px;
    margin-bottom: 18px;
    border-radius: 6px;
}

.country-card p {
    margin: 0;
    color: var(--color-muted);
}

@media (min-width: 768px) {
    .country-grid {
        grid-template-columns: 1fr 1fr;
    }
}

/* Sécurité des données */
.security {
    display: grid;
    gap: 28px;
    padding: clamp(28px, 5vw, 56px);
    background: var(--color-primary-soft);
    border-radius: var(--radius-lg);
}

.security__head {
    display: grid;
    gap: 8px 28px;
}

.security__head .lead {
    margin: 0;
}

.security__list {
    margin: 0;
}

.security__list .icon {
    color: var(--color-primary);
}

@media (min-width: 768px) {
    .security__head {
        grid-template-columns: auto 1fr;
    }
}

@media (min-width: 992px) {
    .security {
        grid-template-columns: 1.3fr 1fr;
        align-items: center;
    }
}


/* ==========================================================================
   28. Page Nos crédits
   ========================================================================== */
.chip-nav ul {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 10px;
    list-style: none;
}

.chip {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 9px 16px;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-pill);
    background: var(--color-white);
    font-size: .92rem;
    font-weight: 500;
    color: var(--color-primary);
    transition: background-color .2s var(--ease), border-color .2s var(--ease), color .2s var(--ease);
}

.chip .icon {
    width: 18px;
    height: 18px;
    color: var(--color-accent);
}

.chip:hover {
    border-color: var(--color-primary);
    background: var(--color-primary);
    color: var(--color-white);
}

.chip:hover .icon {
    color: currentColor;
}

.credit-detail__icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 56px;
    height: 56px;
    margin-bottom: 18px;
    border-radius: 16px;
    background: var(--color-accent);
    color: var(--color-white);
}

.credit-detail__icon .icon {
    width: 28px;
    height: 28px;
}

.credit-detail__note {
    margin-top: 20px;
}

/* Caractéristiques : montants, durées, taux, public */
.facts {
    display: grid;
    gap: 12px;
    margin: 0 0 28px;
}

.facts__item {
    padding: 14px 16px;
    background: var(--color-white);
    border: 1px solid var(--color-border);
    border-radius: var(--radius);
}

.section:not(.section--surface) .facts__item {
    background: var(--color-surface);
    border-color: transparent;
}

.facts dt {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 4px;
    font-size: .82rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: .06em;
    color: var(--color-muted);
}

.facts dt .icon {
    width: 16px;
    height: 16px;
    color: var(--color-accent);
}

.facts dd {
    margin: 0;
    font-weight: 600;
    color: var(--color-primary);
}

/* Montant, durée, taux sur une ligne ; public concerné en dessous, pleine largeur */
@media (min-width: 576px) {
    .facts {
        grid-template-columns: repeat(3, 1fr);
    }

    .facts__item--wide {
        grid-column: 1 / -1;
    }
}


/* ==========================================================================
   29. Page Comment ça marche : frise et documents
   ========================================================================== */
.timeline {
    display: grid;
    max-width: 880px;
    margin-inline: auto;
    list-style: none;
}

.timeline__item {
    display: grid;
    grid-template-columns: 48px 1fr;
    gap: 20px;
}

.timeline__marker {
    position: relative;
    display: flex;
    justify-content: center;
}

/* Trait vertical entre les étapes */
.timeline__item:not(:last-child) .timeline__marker::after {
    content: "";
    position: absolute;
    top: 52px;
    bottom: -4px;
    width: 2px;
    background: var(--color-border);
}

.timeline__number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: var(--color-primary);
    font-family: var(--font-heading);
    font-size: 1.15rem;
    font-weight: 800;
    color: var(--color-white);
}

.timeline__card {
    display: flex;
    gap: 18px;
    margin-bottom: 24px;
    padding: 24px;
    background: var(--color-white);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
}

.timeline__icon {
    display: none;
}

.timeline__label {
    font-size: .8rem;
    font-weight: 700;
    letter-spacing: .1em;
    text-transform: uppercase;
    color: var(--color-accent);
}

.timeline__title {
    margin: 4px 0 8px;
}

.timeline__card p {
    margin: 0;
    color: var(--color-muted);
}

.timeline__card .btn {
    margin-top: 16px;
}

@media (min-width: 576px) {
    .timeline__icon {
        display: inline-flex;
        flex-shrink: 0;
        align-items: center;
        justify-content: center;
        width: 52px;
        height: 52px;
        border-radius: 16px;
        background: var(--color-primary-soft);
        color: var(--color-primary);
    }

    .timeline__icon .icon {
        width: 26px;
        height: 26px;
    }
}

.docs-grid {
    display: grid;
    gap: 20px;
}

.docs-card {
    padding: clamp(24px, 4vw, 36px);
    background: var(--color-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
}

.docs-card__title {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 20px;
    font-size: 1.2rem;
}

.docs-card__title .icon {
    width: 24px;
    height: 24px;
    color: var(--color-accent);
}

.docs-card .check-list {
    margin: 0;
}

.docs-card .check-list .icon {
    color: var(--color-primary);
}

.docs-note {
    display: flex;
    align-items: flex-start;
    justify-content: center;
    gap: 10px;
    max-width: 760px;
    margin: 28px auto 0;
    font-size: .95rem;
    color: var(--color-muted);
}

.docs-note .icon {
    width: 20px;
    height: 20px;
    margin-top: 2px;
    color: var(--color-primary);
}

@media (min-width: 992px) {
    .docs-grid {
        grid-template-columns: 1.1fr 1fr;
    }
}


/* ==========================================================================
   30. Formulaires (contact, demande de crédit)
   ========================================================================== */
.form-card {
    padding: clamp(24px, 4vw, 44px);
    background: var(--color-white);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow);
}

.form {
    margin-top: 24px;
}

.form-grid {
    display: grid;
    gap: 20px;
}

@media (min-width: 768px) {
    .form-grid {
        grid-template-columns: 1fr 1fr;
    }

    .field--full {
        grid-column: 1 / -1;
    }
}

.field {
    display: grid;
    align-content: start;
    gap: 6px;
}

.field__label {
    font-size: .92rem;
    font-weight: 600;
    color: var(--color-primary);
}

.req {
    color: var(--color-accent);
}

.field__optional {
    font-weight: 400;
    color: var(--color-muted);
}

.field__hint {
    margin: 0;
    font-size: .82rem;
    color: var(--color-muted);
}

.input,
.select {
    width: 100%;
    min-height: 50px;
    padding: 12px 16px;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-sm);
    background: var(--color-white);
    font-size: 1rem;
    color: var(--color-text);
    transition: border-color .2s var(--ease), box-shadow .2s var(--ease);
}

.input::placeholder {
    color: #9CA3AF;
}

.input:hover,
.select:hover {
    border-color: #CFC9BF;
}

.input:focus,
.select:focus {
    outline: none;
    border-color: var(--color-primary);
    box-shadow: 0 0 0 3px var(--color-primary-soft);
}

.textarea {
    min-height: 140px;
    resize: vertical;
}

/* Select avec chevron */
.select-wrap {
    position: relative;
}

.select {
    padding-right: 44px;
    cursor: pointer;
    -webkit-appearance: none;
    appearance: none;
}

.select-wrap__icon {
    position: absolute;
    top: 50%;
    right: 14px;
    width: 18px;
    height: 18px;
    color: var(--color-muted);
    transform: translateY(-50%);
    pointer-events: none;
}

.simulator .select-wrap {
    margin-top: 12px;
}

/* Case à cocher */
.field--check {
    grid-template-columns: auto 1fr;
    align-items: start;
    column-gap: 12px;
}

.field--check .field__error {
    grid-column: 2;
}

.checkbox {
    width: 20px;
    height: 20px;
    margin: 2px 0 0;
    accent-color: var(--color-primary);
    cursor: pointer;
}

.field--check label {
    font-size: .92rem;
    line-height: 1.5;
    cursor: pointer;
}

.field--check a {
    color: var(--color-primary);
    font-weight: 600;
    text-decoration: underline;
    text-underline-offset: 2px;
}

/* Erreurs */
.field__error {
    margin: 0;
    font-size: .85rem;
    font-weight: 500;
    color: var(--color-error);
}

.field__error:empty {
    display: none;
}

.input[aria-invalid="true"],
.select[aria-invalid="true"] {
    border-color: var(--color-error);
    background: #FEF6F5;
}

.input[aria-invalid="true"]:focus,
.select[aria-invalid="true"]:focus {
    box-shadow: 0 0 0 3px rgba(192, 57, 43, .15);
}

.checkbox[aria-invalid="true"] {
    outline: 2px solid var(--color-error);
    outline-offset: 2px;
}

.form-alert {
    margin-bottom: 20px;
    padding: 14px 18px;
    border-left: 4px solid var(--color-error);
    border-radius: var(--radius-sm);
    background: #FEF6F5;
    font-weight: 500;
    color: var(--color-error);
}

.form-alert[hidden] {
    display: none;
}

.form-actions {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 16px 24px;
    margin-top: 28px;
}

.form-hint {
    margin: 0;
    font-size: .85rem;
    color: var(--color-muted);
}

/* Champ anti-spam : hors écran (pas display:none, certains robots l'ignorent) */
.hp-field {
    position: absolute;
    left: -10000px;
    width: 1px;
    height: 1px;
    overflow: hidden;
}


/* ==========================================================================
   31. Page Contact
   ========================================================================== */
.contact-layout {
    display: grid;
    gap: 32px;
    align-items: start;
}

.contact-aside {
    display: grid;
    gap: 20px;
}

.info-card {
    padding: 28px;
    background: var(--color-surface);
    border-radius: var(--radius-lg);
}

.info-card__title {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 8px;
    font-size: 1.25rem;
}

.info-card__title .icon {
    width: 22px;
    height: 22px;
    color: var(--color-accent);
}

.info-card__hours {
    margin: 0;
}

.info-card--accent {
    background: var(--color-primary);
}

.info-card--accent .info-card__title {
    margin-bottom: 18px;
    color: var(--color-white);
}

.info-list {
    display: grid;
    gap: 18px;
    margin-top: 20px;
    list-style: none;
}

.info-list li {
    display: flex;
    align-items: flex-start;
    gap: 14px;
}

.info-list strong {
    display: block;
    font-size: .8rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: .06em;
    color: var(--color-muted);
}

.info-list li > span {
    min-width: 0;
}

/* Coupure de préférence après « @ » (<wbr> ajouté par e_email()), au milieu d'un mot seulement en dernier recours */
.info-list a {
    font-weight: 600;
    color: var(--color-primary);
    overflow-wrap: break-word;
}

.info-list a:hover {
    color: var(--color-accent);
}

.info-list__icon {
    display: inline-flex;
    flex-shrink: 0;
    align-items: center;
    justify-content: center;
    width: 42px;
    height: 42px;
    border-radius: 12px;
    background: var(--color-white);
    color: var(--color-accent);
}

.info-list__icon .icon {
    width: 20px;
    height: 20px;
}

.info-list__icon--whatsapp {
    color: var(--color-whatsapp);
}

@media (min-width: 992px) {
    .contact-layout {
        grid-template-columns: 1.6fr 1fr;
        gap: 40px;
    }

    .contact-aside {
        position: sticky;
        top: calc(var(--header-h) + 24px);
    }
}


/* ==========================================================================
   32. Popup de confirmation (<dialog>)
   ========================================================================== */
.modal {
    width: min(480px, calc(100% - 32px));
    padding: 0;
    border: 0;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    color: var(--color-text);
}

.modal::backdrop {
    background: rgba(20, 33, 61, .55);
}

.modal[open] {
    animation: modal-in .25s var(--ease);
}

.modal__body {
    padding: 44px 32px 32px;
    text-align: center;
}

.modal__body p {
    color: var(--color-muted);
}

.modal__body .btn {
    margin-top: 12px;
}

.modal__icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 72px;
    height: 72px;
    margin-bottom: 20px;
    border-radius: 50%;
    background: rgba(46, 125, 91, .12);
    color: var(--color-success);
}

.modal__icon .icon {
    width: 36px;
    height: 36px;
}

.modal__reference {
    display: inline-block;
    margin: 4px 0 16px;
    padding: 10px 20px;
    border-radius: var(--radius-sm);
    background: var(--color-surface);
    font-family: var(--font-heading);
    font-size: 1.25rem;
    font-weight: 800;
    letter-spacing: .04em;
    color: var(--color-primary);
}

.modal__close {
    position: absolute;
    top: 14px;
    right: 14px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    color: var(--color-muted);
    transition: background-color .2s var(--ease);
}

.modal__close:hover {
    background: var(--color-surface);
}

@keyframes modal-in {
    from { opacity: 0; transform: translateY(16px) scale(.98); }
    to { opacity: 1; transform: none; }
}


/* ==========================================================================
   33. Formulaire de demande de crédit
   34. Pages légales
   Mobile : blocs → récapitulatif → bouton d'envoi.
   Desktop : blocs à gauche (≈ 65 %), récapitulatif sticky à droite (≈ 35 %).
   ========================================================================== */
.section--tight-top {
    padding-top: clamp(32px, 4vw, 48px);
}

.apply-intro {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    max-width: 900px;
    margin: 0 0 28px;
    padding: 16px 20px;
    border-radius: var(--radius);
    background: var(--color-primary-soft);
    color: var(--color-primary);
}

.apply-intro .icon {
    width: 22px;
    height: 22px;
    margin-top: 1px;
}

.apply-form {
    display: grid;
    grid-template-areas:
        "main"
        "summary"
        "submit";
    gap: 28px;
}

.apply-form__main {
    display: grid;
    grid-area: main;
    gap: 24px;
    min-width: 0;
}

.apply-form__summary {
    grid-area: summary;
}

.apply-form__submit {
    display: grid;
    grid-area: submit;
    gap: 14px;
}

@media (min-width: 992px) {
    .apply-form {
        grid-template-areas:
            "main summary"
            "submit summary";
        grid-template-columns: minmax(0, 1.85fr) minmax(300px, 1fr);
        align-items: start;
        gap: 28px 36px;
    }

    .apply-form__summary {
        position: sticky;
        top: calc(var(--header-h) + 24px);
    }

    .apply-form__submit {
        max-width: 520px;
    }
}

/* Bloc de formulaire numéroté */
.form-block {
    min-width: 0;
    margin: 0;
    padding: clamp(22px, 3.5vw, 36px);
    background: var(--color-white);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
}

/* float : le <legend> passe à l'intérieur du cadre au lieu d'être posé sur la bordure */
.form-block__title {
    float: left;
    display: flex;
    align-items: center;
    gap: 12px;
    width: 100%;
    margin-bottom: 22px;
    padding: 0;
    font-family: var(--font-heading);
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--color-primary);
}

.form-block__title + * {
    clear: both;
}

.form-block__number {
    display: inline-flex;
    flex-shrink: 0;
    align-items: center;
    justify-content: center;
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: var(--color-accent);
    font-size: .95rem;
    color: var(--color-white);
}

.form-block .sim-field__head {
    margin-bottom: 10px;
}

.form-block .sim-field__bounds {
    margin-top: 6px;
}

.textarea--short {
    min-height: 90px;
}

.field--spacer {
    display: none;
}

@media (min-width: 768px) {
    .field--spacer {
        display: block;
    }
}

.field[hidden] {
    display: none;
}

/* Choix Oui / Non en boutons */
.choice-group {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
}

.choice {
    position: relative;
    cursor: pointer;
}

.choice input {
    position: absolute;
    opacity: 0;
    pointer-events: none;
}

.choice span {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 110px;
    min-height: 46px;
    padding: 10px 20px;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-sm);
    background: var(--color-white);
    font-weight: 600;
    color: var(--color-primary);
    transition: background-color .2s var(--ease), border-color .2s var(--ease), color .2s var(--ease);
}

.choice:hover span {
    border-color: var(--color-primary);
}

.choice input:checked + span {
    border-color: var(--color-primary);
    background: var(--color-primary);
    color: var(--color-white);
}

.choice input:focus-visible + span {
    outline: 3px solid var(--color-accent);
    outline-offset: 2px;
}

.choice input[aria-invalid="true"] + span {
    border-color: var(--color-error);
}

/* Récapitulatif */
.summary-card {
    padding: 28px;
    background: var(--color-primary);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow);
    color: rgba(255, 255, 255, .8);
}

.summary-card__title {
    margin-bottom: 16px;
    font-size: 1.2rem;
    color: var(--color-white);
}

.summary-card__list {
    display: grid;
    margin: 0;
}

.summary-card__list div {
    display: flex;
    justify-content: space-between;
    gap: 16px;
    padding-block: 10px;
    border-bottom: 1px solid rgba(255, 255, 255, .12);
    font-size: .93rem;
}

.summary-card__list dd {
    margin: 0;
    font-weight: 700;
    color: var(--color-white);
    text-align: right;
    font-variant-numeric: tabular-nums;
}

.summary-card__monthly {
    display: grid;
    gap: 2px;
    margin: 18px 0 8px;
    padding: 18px;
    border-radius: var(--radius);
    background: rgba(255, 255, 255, .06);
}

.summary-card__monthly strong {
    font-family: var(--font-heading);
    font-size: clamp(2rem, 1.7rem + 1.2vw, 2.6rem);
    font-weight: 800;
    line-height: 1.15;
    color: var(--color-white);
    font-variant-numeric: tabular-nums;
}

.summary-card__list--totals div:last-child {
    border-bottom: 0;
}

.summary-card__note {
    margin: 14px 0 0;
    font-size: .8rem;
    color: rgba(255, 255, 255, .65);
}


/* ==========================================================================
   34. Pages légales (Impressum, Datenschutz, AGB et équivalents ES)
   ========================================================================== */
.legal-layout {
    max-width: 860px;
}

.legal-content {
    line-height: 1.75;
}

.legal-content h2 {
    margin: 0 0 .7em;
    font-size: clamp(1.2rem, 1.1rem + .5vw, 1.45rem);
}

.legal-content h3 {
    margin: 1.6em 0 .4em;
    font-size: 1.02rem;
}

.legal-content p,
.legal-content li {
    color: #3F434A;
}

.legal-content ul {
    margin: 0 0 1em;
    padding-left: 1.3em;
}

.legal-content li {
    margin-bottom: .35em;
}

.legal-content li::marker {
    color: var(--color-accent);
}

.legal-intro {
    margin-bottom: 40px;
    font-size: 1.1rem;
}

.legal-section {
    padding-block: 28px;
    border-top: 1px solid var(--color-border);
}

.legal-section:first-of-type {
    border-top: 0;
}

.legal-section > :last-child {
    margin-bottom: 0;
}

/* Données de la société */
.legal-card {
    margin-bottom: 20px;
    padding: clamp(22px, 3.5vw, 32px);
    border-radius: var(--radius-lg);
    background: var(--color-surface);
}

.legal-card h3:first-of-type {
    margin-top: 1.2em;
}

.legal-card > :last-child {
    margin-bottom: 0;
}

.legal-address {
    line-height: 1.7;
}

.legal-address strong {
    color: var(--color-primary);
}

.legal-list {
    display: grid;
    gap: 6px;
    margin: 0 0 1em;
}

.legal-list div {
    display: grid;
    gap: 2px 16px;
}

.legal-list dt {
    font-weight: 400;
    color: var(--color-muted);
}

.legal-list dd {
    margin: 0;
    color: #3F434A;
    overflow-wrap: anywhere;
}

@media (min-width: 768px) {
    .legal-list div {
        grid-template-columns: minmax(200px, 38%) 1fr;
    }
}

.legal-updated {
    margin: 40px 0 0;
    padding-top: 20px;
    border-top: 1px solid var(--color-border);
    font-size: .9rem;
    color: var(--color-muted);
}


/* ==========================================================================
   35. Page de confirmation de la demande (/de/antrag-erhalten, /es/solicitud-recibida)
   ========================================================================== */
.confirm__head {
    display: grid;
    justify-items: center;
    gap: 14px;
    max-width: 720px;
    margin: 0 auto 48px;
    text-align: center;
}

.confirm__icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 72px;
    height: 72px;
    border-radius: 50%;
    background: #E3F1EA;
    color: var(--color-success);
}

.confirm__icon .icon {
    width: 38px;
    height: 38px;
}

.confirm__title {
    margin: 0;
    font-size: clamp(1.9rem, 1.5rem + 1.8vw, 2.8rem);
    text-wrap: balance;
}

.confirm__lead {
    margin: 0;
    font-size: 1.08rem;
    color: var(--color-muted);
}

.confirm__reference {
    display: grid;
    gap: 4px;
    margin-top: 8px;
    padding: 18px 28px;
    border: 1px dashed var(--color-accent);
    border-radius: var(--radius);
    background: var(--color-surface);
}

.confirm__reference-label {
    font-size: .8rem;
    font-weight: 700;
    letter-spacing: .1em;
    text-transform: uppercase;
    color: var(--color-muted);
}

.confirm__reference-value {
    font-family: var(--font-heading);
    font-size: clamp(1.4rem, 1.2rem + 1vw, 1.9rem);
    font-weight: 800;
    letter-spacing: .03em;
    color: var(--color-primary);
    overflow-wrap: anywhere;
}

.confirm__reference-hint {
    font-size: .88rem;
    color: var(--color-muted);
}

.confirm__grid {
    display: grid;
    gap: 40px;
    align-items: start;
}

.confirm__email {
    display: flex;
    gap: 12px;
    margin: 16px 0 0;
    padding-top: 16px;
    border-top: 1px solid rgba(255, 255, 255, .12);
    font-size: .93rem;
    color: var(--color-white);
}

.confirm__email .icon {
    flex-shrink: 0;
    width: 20px;
    height: 20px;
    margin-top: 2px;
    color: var(--color-accent);
}

.confirm__next-title {
    margin: 0 0 6px;
}

.confirm__next-text {
    margin: 0 0 24px;
    color: var(--color-muted);
}

/* Frise compacte (étapes 3 à 5) : même rendu que « Comment ça marche », sans icône */
.timeline--compact {
    max-width: none;
    margin-inline: 0;
    padding: 0;
}

.timeline--compact .timeline__card {
    margin-bottom: 18px;
    padding: 20px;
}

.confirm__actions {
    display: flex;
    justify-content: center;
    margin-top: 32px;
}

@media (min-width: 992px) {
    .confirm__grid {
        grid-template-columns: minmax(0, 5fr) minmax(0, 7fr);
        gap: 48px;
    }
}