/* ==========================================================================
   Multi Groupes — Design system
   ========================================================================== */

:root{
  --bordeaux-900:#4a141f;
  --bordeaux-800:#5c1a26;
  --bordeaux-700:#7a2434;
  --bordeaux-600:#8f2c3f;
  --bordeaux-500:#a8455a;
  --bordeaux-100:#f4e6e8;
  --gold:#c9a86a;
  --gold-dark:#a9854a;
  --cream:#faf6f3;
  --offwhite:#f7f1ee;
  --ink:#2b2320;
  --muted:#6b5d59;
  --line:#e6dbd6;
  --white:#ffffff;

  --font-display:'Fraunces', Georgia, serif;
  --font-body:'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

  --radius-sm:6px;
  --radius-md:14px;
  --radius-lg:28px;
  --shadow-soft: 0 20px 50px -25px rgba(74,20,31,0.35);
  --shadow-card: 0 10px 30px -15px rgba(74,20,31,0.25);
  --ease: cubic-bezier(.22,.61,.36,1);
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth; overflow-x:hidden; max-width:100%;}
body{
  margin:0;
  font-family:var(--font-body);
  color:var(--ink);
  background:var(--cream);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
  max-width:100%;
}
img{max-width:100%; display:block;}
a{text-decoration:none; color:inherit;}
ul{list-style:none; margin:0; padding:0;}
h1,h2,h3,h4{font-family:var(--font-display); color:var(--bordeaux-900); margin:0; font-weight:600; letter-spacing:.2px;}
p{margin:0;}
button{font-family:inherit; cursor:pointer;}
.container{width:100%; max-width:1200px; margin:0 auto; padding:0 24px;}
section{position:relative;}

::selection{background:var(--bordeaux-700); color:var(--white);}

:focus-visible{outline:2px solid var(--gold-dark); outline-offset:3px;}

@media (prefers-reduced-motion: reduce){
  *,*::before,*::after{animation-duration:0.001ms !important; animation-iteration-count:1 !important; transition-duration:0.001ms !important; scroll-behavior:auto !important;}
}

/* ---------- Eyebrow / labels ---------- */
.eyebrow{
  display:inline-flex; align-items:center; gap:10px;
  font-size:13px; font-weight:600; letter-spacing:2.4px; text-transform:uppercase;
  color:var(--bordeaux-700);
}
.eyebrow::before{
  content:""; width:26px; height:1px; background:var(--gold-dark);
}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:10px;
  padding:16px 32px; border-radius:100px; font-size:15px; font-weight:600;
  border:1.5px solid transparent; transition:transform .35s var(--ease), box-shadow .35s var(--ease), background .3s ease, color .3s ease, border-color .3s ease;
  white-space:nowrap;
}
.btn-primary{ background:var(--bordeaux-700); color:var(--white); box-shadow:var(--shadow-soft); }
.btn-primary:hover{ background:var(--bordeaux-800); transform:translateY(-3px); box-shadow:0 22px 40px -18px rgba(74,20,31,.5); }
.btn-outline{ border-color:rgba(255,255,255,.55); color:var(--white); }
.btn-outline:hover{ background:rgba(255,255,255,.12); transform:translateY(-3px); border-color:#fff; }
.btn-ghost{ border-color:var(--bordeaux-700); color:var(--bordeaux-700); }
.btn-ghost:hover{ background:var(--bordeaux-700); color:var(--white); transform:translateY(-3px); }
.btn-gold{ background:var(--gold); color:var(--bordeaux-900); box-shadow:0 18px 34px -18px rgba(201,168,106,.7); }
.btn-gold:hover{ background:var(--gold-dark); transform:translateY(-3px); }
.btn-sm{ padding:10px 20px; font-size:13px; }

/* ==========================================================================
   Top bar
   ========================================================================== */
.topbar{
  background:var(--bordeaux-900); color:rgba(255,255,255,.85); font-size:13px;
  padding:9px 0;
}
.topbar .container{ display:flex; align-items:center; justify-content:space-between; gap:16px; }
.topbar-left{ display:flex; align-items:center; gap:22px; flex-wrap:wrap; min-width:0; }
.topbar-left span, .topbar-left a{ display:inline-flex; align-items:center; gap:7px; color:rgba(255,255,255,.85); transition:color .25s; white-space:nowrap; }
.topbar-left a:hover{ color:var(--gold); }
.topbar-right{ display:flex; align-items:center; gap:16px; flex:none; }
.topbar-right a{ width:28px; height:28px; border-radius:50%; border:1px solid rgba(255,255,255,.25); display:flex; align-items:center; justify-content:center; font-size:12px; transition:.3s; }
.topbar-right a:hover{ background:var(--gold); border-color:var(--gold); color:var(--bordeaux-900); }
.icon{ width:14px; height:14px; flex:none; }

/* Mobile : ne garder que l'essentiel (WhatsApp) pour rester compact et lisible */
@media (max-width:767px){
  .topbar{ padding:8px 0; font-size:12.5px; }
  .topbar .container{ padding:0 16px; }
  .tb-hours, .tb-regulated{ display:none; }
  .topbar-left{ gap:0; }
  .topbar-right{ gap:10px; }
  .topbar-right a{ width:26px; height:26px; }
}
@media (max-width:380px){
  .topbar-right{ display:none; }
}

/* ==========================================================================
   Header / nav
   ========================================================================== */
header.site-header{
  position:sticky; top:0; z-index:200; background:rgba(250,246,243,.9);
  backdrop-filter:blur(14px); -webkit-backdrop-filter:blur(14px);
  border-bottom:1px solid transparent;
  transition:box-shadow .35s var(--ease), border-color .35s ease, padding .35s var(--ease);
}
header.site-header.scrolled{ box-shadow:0 8px 30px -18px rgba(74,20,31,.35); border-color:var(--line); }
.nav-inner{ display:flex; align-items:center; justify-content:space-between; padding:18px 0; transition:padding .35s var(--ease); }
header.site-header.scrolled .nav-inner{ padding:12px 0; }

.brand{ display:flex; align-items:center; gap:12px; }
.brand img{ width:44px; height:44px; transition:transform .4s var(--ease); }
.brand:hover img{ transform:rotate(8deg) scale(1.05); }
.brand-text{ display:flex; flex-direction:column; line-height:1.1; }
.brand-text strong{ font-family:var(--font-display); font-size:20px; color:var(--bordeaux-900); font-weight:700; letter-spacing:.3px; }
.brand-text span{ font-size:10.5px; letter-spacing:1.6px; text-transform:uppercase; color:var(--muted); margin-top:3px; }

.main-nav{ display:flex; align-items:center; gap:2px; }
.main-nav > ul{ display:flex; align-items:center; gap:4px; }
.main-nav li{ position:relative; }
.main-nav > ul > li > a, .nav-drop > button{
  display:flex; align-items:center; gap:6px; padding:10px 16px; font-size:14.5px; font-weight:500;
  color:var(--ink); border-radius:100px; transition:color .25s, background .25s;
  background:none; border:none; font-family:inherit;
}
.main-nav > ul > li > a:hover, .nav-drop > button:hover, .nav-drop.open > button{ color:var(--bordeaux-700); background:var(--bordeaux-100); }
.nav-drop > button svg{ width:11px; height:11px; transition:transform .3s var(--ease); }
.nav-drop.open > button svg{ transform:rotate(180deg); }

.dropdown-menu{
  position:absolute; top:calc(100% + 10px); left:50%; transform:translate(-50%,8px);
  min-width:220px; background:var(--white); border-radius:var(--radius-md); box-shadow:var(--shadow-card);
  padding:10px; opacity:0; visibility:hidden; transition:opacity .28s var(--ease), transform .28s var(--ease), visibility .28s;
  border:1px solid var(--line);
}
.nav-drop.open .dropdown-menu{ opacity:1; visibility:visible; transform:translate(-50%,0); }
.dropdown-menu a{ display:block; padding:10px 14px; border-radius:var(--radius-sm); font-size:14px; color:var(--ink); transition:.2s; }
.dropdown-menu a:hover{ background:var(--offwhite); color:var(--bordeaux-700); padding-left:18px; }

.nav-right{ display:flex; align-items:center; gap:14px; position:relative; z-index:210; }

.lang-switch{ position:relative; }
.lang-switch > button{
  display:flex; align-items:center; gap:8px; border:1px solid var(--line); background:var(--white);
  padding:7px 12px; border-radius:100px; font-size:13px; font-weight:600; color:var(--ink); letter-spacing:.5px;
}
.lang-switch > button .flag{ display:flex; align-items:center; flex:none; box-shadow:0 0 0 1px rgba(0,0,0,.1); border-radius:2px; }
.lang-switch > button svg:last-child{ width:10px; height:10px; transition:transform .3s; flex:none; }
.lang-switch.open > button svg:last-child{ transform:rotate(180deg); }
.lang-menu{
  position:absolute; top:calc(100% + 10px); right:0; background:var(--white); border:1px solid var(--line);
  border-radius:var(--radius-sm); box-shadow:var(--shadow-card); min-width:172px; padding:6px;
  opacity:0; visibility:hidden; transform:translateY(8px); transition:.28s var(--ease);
}
.lang-switch.open .lang-menu{ opacity:1; visibility:visible; transform:translateY(0); }
.lang-menu button{
  display:flex; width:100%; align-items:center; gap:10px; padding:9px 12px; border:none; background:none;
  border-radius:6px; font-size:14px; color:var(--ink); text-align:left;
}
.lang-menu button .flag{ display:flex; align-items:center; flex:none; box-shadow:0 0 0 1px rgba(0,0,0,.1); border-radius:2px; }
.lang-menu button:hover{ background:var(--offwhite); color:var(--bordeaux-700); }
.lang-menu button.active{ color:var(--bordeaux-700); font-weight:700; background:var(--bordeaux-100); }

@media (max-width:991px){
  .nav-right .lang-switch{ order:-1; }
}

.burger{ display:none; width:42px; height:42px; border-radius:50%; border:1px solid var(--line); background:var(--white); align-items:center; justify-content:center; }
.burger span, .burger span::before, .burger span::after{
  content:""; display:block; width:18px; height:2px; background:var(--ink); position:relative; transition:.3s;
}
.burger span::before{ position:absolute; top:-6px; }
.burger span::after{ position:absolute; top:6px; }
.burger.open span{ background:transparent; }
.burger.open span::before{ top:0; transform:rotate(45deg); }
.burger.open span::after{ top:0; transform:rotate(-45deg); }

/* Mobile nav */
@media (max-width: 991px){
  .main-nav{
    position:fixed; inset:0 0 0 auto; width:min(340px,86vw); height:100vh; background:var(--white);
    flex-direction:column; align-items:flex-start; padding:100px 28px 28px; transform:translateX(100%);
    transition:transform .45s var(--ease); box-shadow:-20px 0 50px -20px rgba(0,0,0,.2); z-index:150;
  }
  .main-nav.open{ transform:translateX(0); }
  .main-nav > ul{ flex-direction:column; align-items:flex-start; width:100%; gap:2px; }
  .main-nav > ul > li{ width:100%; }
  .main-nav > ul > li > a, .nav-drop > button{ width:100%; padding:14px 10px; }
  .dropdown-menu{ position:static; transform:none; opacity:1; visibility:visible; box-shadow:none; border:none; max-height:0; overflow:hidden; padding:0 10px; transition:max-height .35s var(--ease); }
  .nav-drop.open .dropdown-menu{ max-height:220px; padding:6px 10px 10px; transform:none; left:auto; }
  .nav-cta{ margin-top:18px; width:100%; }
  .burger{ display:flex; }
  .nav-overlay{ position:fixed; inset:0; background:rgba(74,20,31,.4); opacity:0; visibility:hidden; transition:.4s; z-index:140; }
  .nav-overlay.show{ opacity:1; visibility:visible; }
}
@media (min-width: 992px){ .nav-cta{ margin-left:6px; } }

/* ==========================================================================
   Hero
   ========================================================================== */
.hero{ position:relative; min-height:92vh; display:flex; align-items:center; overflow:hidden; background:var(--bordeaux-900); }
.hero-slides{ position:absolute; inset:0; }
.hero-slide{
  position:absolute; inset:0; opacity:0; transition:opacity 1.4s ease;
  background-size:cover; background-position:center; transform:scale(1);
}
.hero-slide.active{ opacity:1; animation:kenburns 9s ease-in-out forwards; }
@keyframes kenburns{ from{ transform:scale(1); } to{ transform:scale(1.08); } }
.hero-slide::after{
  content:""; position:absolute; inset:0;
  background:linear-gradient(100deg, rgba(74,20,31,.80) 8%, rgba(74,20,31,.48) 48%, rgba(74,20,31,.16) 100%);
}
.hero-inner{ position:relative; z-index:5; color:var(--white); padding-top:120px; padding-bottom:100px; }
.hero-inner .eyebrow{ color:var(--gold); transition:opacity .3s ease; }
.hero-inner .eyebrow::before{ background:var(--gold); }
.hero-title{ font-size:clamp(34px,5.4vw,64px); color:var(--white); margin:18px 0 22px; max-width:680px; opacity:0; transform:translateY(30px); animation:heroUp .9s .15s var(--ease) forwards; transition:opacity .3s ease; }
.hero-title em{ font-style:normal; font-weight:600; color:var(--gold); }
.hero-text{ font-size:17px; max-width:520px; color:rgba(255,255,255,.82); margin-bottom:38px; opacity:0; transform:translateY(30px); animation:heroUp .9s .35s var(--ease) forwards; transition:opacity .3s ease; }
.hero-actions{ display:flex; gap:16px; flex-wrap:wrap; opacity:0; transform:translateY(30px); animation:heroUp .9s .5s var(--ease) forwards; }
@keyframes heroUp{ to{ opacity:1; transform:translateY(0); } }

.hero-seal{
  position:absolute; right:7%; bottom:-40px; z-index:6; width:190px; height:190px;
  animation:sealIn 1s .6s var(--ease) both, floaty 6s ease-in-out 1.6s infinite;
}
@keyframes sealIn{ from{ opacity:0; transform:scale(.6) rotate(-25deg);} to{opacity:1; transform:scale(1) rotate(0);} }
@keyframes floaty{ 0%,100%{ transform:translateY(0);} 50%{ transform:translateY(-14px);} }
.seal-circle{ position:relative; width:100%; height:100%; }
.seal-bg{ position:absolute; inset:0; border-radius:50%; background:var(--white); box-shadow:0 25px 60px -20px rgba(0,0,0,.45); display:flex; align-items:center; justify-content:center; }
.seal-bg svg{ width:78%; }
.seal-ring{ position:absolute; inset:0; animation:spin 22s linear infinite; }
@keyframes spin{ to{ transform:rotate(360deg); } }

.hero-dots{ position:absolute; z-index:6; left:24px; bottom:28px; display:flex; gap:8px; }
.hero-dots button{ width:9px; height:9px; border-radius:50%; border:none; background:rgba(255,255,255,.35); transition:.3s; }
.hero-dots button.active{ background:var(--gold); width:26px; border-radius:6px; }

@media (max-width:767px){ .hero-seal{ width:130px; height:130px; right:20px; bottom:-24px; } }

/* ==========================================================================
   Stats strip
   ========================================================================== */
.stats{ background:var(--bordeaux-800); position:relative; z-index:7; margin-top:-64px; border-radius:var(--radius-lg); overflow:hidden; box-shadow:var(--shadow-soft); }
.stats .container{ display:grid; grid-template-columns:repeat(4,1fr); }
.stat-item{ padding:38px 20px; text-align:center; position:relative; color:var(--white); }
.stat-item:not(:last-child)::after{ content:""; position:absolute; right:0; top:22%; height:56%; width:1px; background:rgba(255,255,255,.18); }
.stat-num{ font-family:var(--font-display); font-size:clamp(26px,3vw,38px); font-weight:700; color:var(--gold); display:block; }
.stat-label{ font-size:12.5px; letter-spacing:1px; text-transform:uppercase; color:rgba(255,255,255,.78); margin-top:8px; display:block; }
@media (max-width:767px){ .stats .container{ grid-template-columns:repeat(2,1fr); } .stat-item:nth-child(2)::after{ display:none; } }

/* ==========================================================================
   Reveal on scroll
   ========================================================================== */
.reveal{ opacity:0; transform:translateY(36px); transition:opacity .8s var(--ease), transform .8s var(--ease); }
.reveal.in{ opacity:1; transform:translateY(0); }
.reveal-stagger > *{ opacity:0; transform:translateY(28px); transition:opacity .7s var(--ease), transform .7s var(--ease); }
.reveal-stagger.in > *{ opacity:1; transform:translateY(0); }
.reveal-stagger.in > *:nth-child(1){ transition-delay:.05s; }
.reveal-stagger.in > *:nth-child(2){ transition-delay:.16s; }
.reveal-stagger.in > *:nth-child(3){ transition-delay:.27s; }
.reveal-stagger.in > *:nth-child(4){ transition-delay:.38s; }

/* ==========================================================================
   Section heading
   ========================================================================== */
.section{ padding:120px 0; }
.section-tight{ padding:90px 0; }
.section-head{ max-width:640px; margin-bottom:56px; }
.section-head.center{ margin-left:auto; margin-right:auto; text-align:center; }
.section-title{ font-size:clamp(28px,3.6vw,42px); margin-top:16px; }
.section-title em{ font-style:normal; font-weight:600; color:var(--bordeaux-700); }
.section-text{ margin-top:16px; color:var(--muted); font-size:16px; }

/* ==========================================================================
   Services
   ========================================================================== */
.services-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:32px; }
.service-card{
  background:var(--white); border-radius:var(--radius-md); overflow:hidden; border:1px solid var(--line);
  transition:transform .45s var(--ease), box-shadow .45s var(--ease);
}
.service-card:hover{ transform:translateY(-10px); box-shadow:var(--shadow-soft); }
.service-media{ position:relative; height:210px; overflow:hidden; }
.service-media img{ width:100%; height:100%; object-fit:cover; transition:transform .7s var(--ease); }
.service-card:hover .service-media img{ transform:scale(1.08); }
.service-tag{ position:absolute; top:16px; left:16px; background:var(--gold); color:var(--bordeaux-900); font-size:12px; font-weight:700; padding:6px 14px; border-radius:100px; letter-spacing:.4px; }
.service-body{ padding:28px 26px 30px; }
.service-body h3{ font-size:21px; margin-bottom:10px; }
.service-body p{ color:var(--muted); font-size:15px; margin-bottom:18px; }
.service-link{ display:inline-flex; align-items:center; gap:8px; font-weight:600; color:var(--bordeaux-700); font-size:14.5px; }
.service-link svg{ width:15px; height:15px; transition:transform .3s var(--ease); }
.service-card:hover .service-link svg{ transform:translateX(5px); }

@media (max-width:991px){ .services-grid{ grid-template-columns:1fr 1fr; } }
@media (max-width:640px){ .services-grid{ grid-template-columns:1fr; } }

/* ==========================================================================
   Rate banner (signature element)
   ========================================================================== */
.rate-banner{
  background:var(--bordeaux-700); border-radius:var(--radius-lg); overflow:hidden; position:relative;
  padding:64px 56px; display:flex; align-items:center; justify-content:space-between; gap:40px; flex-wrap:wrap;
}
.rate-banner::before{
  content:""; position:absolute; width:520px; height:520px; border:1px solid rgba(255,255,255,.12); border-radius:50%;
  right:-180px; top:-220px;
}
.rate-banner::after{
  content:""; position:absolute; width:340px; height:340px; border:1px solid rgba(255,255,255,.14); border-radius:50%;
  right:-90px; top:-100px;
}
.rate-copy{ position:relative; z-index:2; max-width:560px; color:var(--white); }
.rate-copy .eyebrow{ color:var(--gold); }
.rate-copy .eyebrow::before{ background:var(--gold); }
.rate-copy h2{ color:var(--white); font-size:clamp(26px,3.4vw,36px); margin:14px 0 14px; }
.rate-copy h2 em{ font-style:normal; font-weight:600; color:var(--gold); }
.rate-copy p{ color:rgba(255,255,255,.82); font-size:15.5px; }
.rate-badge{ position:relative; z-index:2; flex:none; width:190px; height:190px; border-radius:50%; background:var(--white); display:flex; flex-direction:column; align-items:center; justify-content:center; box-shadow:0 25px 60px -18px rgba(0,0,0,.4); }
.rate-badge .num{ font-family:var(--font-display); font-size:52px; font-weight:700; color:var(--bordeaux-700); line-height:1; }
.rate-badge .num sup{ font-size:24px; top:-1.2em; }
.rate-badge .cap{ font-size:11.5px; letter-spacing:1.6px; text-transform:uppercase; color:var(--muted); margin-top:6px; text-align:center; padding:0 20px; }
.rate-cta{ margin-top:26px; position:relative; z-index:2; }

@media (max-width:767px){ .rate-banner{ padding:44px 26px; } }

/* ==========================================================================
   Process
   ========================================================================== */
.process-wrap{ position:relative; }
.process-line{ position:absolute; top:34px; left:8%; right:8%; height:1px; background:var(--line); z-index:0; }
.process-line-fill{ position:absolute; top:0; left:0; height:100%; width:0%; background:var(--gold); transition:width 1.4s var(--ease); }
.process-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:36px; position:relative; z-index:1; }
.process-item{ text-align:center; }
.process-num{
  width:68px; height:68px; margin:0 auto 22px; border-radius:50%; background:var(--white); border:1.5px solid var(--bordeaux-700);
  display:flex; align-items:center; justify-content:center; font-family:var(--font-display); font-size:22px; font-weight:700; color:var(--bordeaux-700);
  transition:background .4s var(--ease), color .4s var(--ease);
}
.process-item.in .process-num{ background:var(--bordeaux-700); color:var(--white); }
.process-item h3{ font-size:19px; margin-bottom:10px; }
.process-item p{ color:var(--muted); font-size:14.5px; max-width:280px; margin:0 auto; }

@media (max-width:767px){ .process-grid{ grid-template-columns:1fr; gap:44px; } .process-line{ display:none; } }

/* ==========================================================================
   Trust / countries
   ========================================================================== */
.trust{ background:var(--offwhite); }
.trust-grid{ display:grid; grid-template-columns:1fr 1fr; gap:60px; align-items:center; }
.trust-media{ position:relative; border-radius:var(--radius-lg); overflow:hidden; box-shadow:var(--shadow-card); }
.trust-media img{ width:100%; height:100%; object-fit:cover; }
.trust-badge{
  position:absolute; bottom:-26px; left:-26px; background:var(--white); border-radius:var(--radius-md); box-shadow:var(--shadow-card);
  padding:18px 22px; display:flex; align-items:center; gap:14px; max-width:260px;
}
.trust-badge .ico{ width:44px; height:44px; border-radius:50%; background:var(--bordeaux-100); color:var(--bordeaux-700); display:flex; align-items:center; justify-content:center; flex:none; }
.trust-badge .ico svg{ width:20px; height:20px; }
.trust-badge strong{ font-size:14px; display:block; }
.trust-badge span{ font-size:12px; color:var(--muted); }

.countries{ display:grid; grid-template-columns:repeat(2,1fr); gap:16px; margin:28px 0 30px; }
.country-chip{ display:flex; align-items:center; gap:12px; background:var(--white); border:1px solid var(--line); border-radius:100px; padding:12px 18px; font-size:14.5px; font-weight:600; transition:.3s; }
.country-chip:hover{ border-color:var(--bordeaux-700); transform:translateX(4px); }
.country-chip .flag{ display:flex; align-items:center; flex:none; box-shadow:0 0 0 1px rgba(0,0,0,.1); border-radius:2px; }
.compliance{ display:flex; gap:14px; background:var(--white); border:1px solid var(--line); border-radius:var(--radius-md); padding:20px 22px; align-items:flex-start; }
.compliance svg{ width:26px; height:26px; color:var(--bordeaux-700); flex:none; margin-top:2px; }
.compliance p{ font-size:14px; color:var(--muted); }
.compliance strong{ color:var(--ink); }

@media (max-width:900px){ .trust-grid{ grid-template-columns:1fr; } .trust-badge{ position:static; margin-top:18px; max-width:none; } }

/* ==========================================================================
   Testimonials
   ========================================================================== */
.testi-track-wrap{ overflow:hidden; }
.testi-track{ display:flex; gap:28px; transition:transform .7s var(--ease); }
.testi-card{ flex:0 0 calc(33.333% - 19px); background:var(--white); border:1px solid var(--line); border-radius:var(--radius-md); padding:32px 28px; }
.testi-stars{ color:var(--gold); font-size:14px; letter-spacing:2px; margin-bottom:16px; }
.testi-text{ font-size:15.5px; color:var(--ink); font-style:normal; margin-bottom:22px; }
.testi-person{ display:flex; align-items:center; gap:14px; }
.testi-person img{ width:48px; height:48px; border-radius:50%; object-fit:cover; }
.avatar-initials{ width:48px; height:48px; border-radius:50%; background:var(--bordeaux-100); color:var(--bordeaux-700); display:flex; align-items:center; justify-content:center; font-family:var(--font-display); font-weight:700; font-size:15px; flex:none; }
.testi-person strong{ display:block; font-size:14.5px; }
.testi-person span{ font-size:12.5px; color:var(--muted); }
.testi-nav{ display:flex; gap:12px; justify-content:center; margin-top:40px; }
.testi-nav button{ width:42px; height:42px; border-radius:50%; border:1px solid var(--line); background:var(--white); display:flex; align-items:center; justify-content:center; transition:.3s; }
.testi-nav button:hover{ background:var(--bordeaux-700); border-color:var(--bordeaux-700); color:var(--white); }
.testi-nav svg{ width:16px; height:16px; }

@media (max-width:991px){ .testi-card{ flex:0 0 calc(50% - 14px); } }
@media (max-width:640px){ .testi-card{ flex:0 0 100%; } }

/* ==========================================================================
   CTA / callback
   ========================================================================== */
.cta-section{ background:var(--bordeaux-900); position:relative; overflow:hidden; }
.cta-section::before{ content:""; position:absolute; inset:0; background:radial-gradient(circle at 15% 30%, rgba(201,168,106,.14), transparent 45%); }
.cta-inner{ position:relative; z-index:1; text-align:center; max-width:680px; margin:0 auto; }
.cta-inner h2{ color:var(--white); font-size:clamp(26px,3.6vw,40px); }
.cta-inner h2 em{ font-style:normal; font-weight:600; color:var(--gold); }
.cta-inner .eyebrow{ color:var(--gold); justify-content:center; }
.cta-inner .eyebrow::before{ background:var(--gold); }
.cta-inner p{ color:rgba(255,255,255,.8); margin-top:16px; font-size:16px; }
.cta-actions{ display:flex; justify-content:center; gap:16px; flex-wrap:wrap; margin-top:34px; }

/* ==========================================================================
   Footer
   ========================================================================== */
footer{ background:var(--bordeaux-900); color:rgba(255,255,255,.72); padding:90px 0 0; }
.footer-grid{ display:grid; grid-template-columns:1.4fr 1fr 1fr 1.2fr; gap:44px; padding-bottom:60px; border-bottom:1px solid rgba(255,255,255,.12); }
.footer-brand .brand-text strong{ color:var(--white); }
.footer-brand .brand-text span{ color:rgba(255,255,255,.55); }
.footer-brand p{ margin-top:18px; font-size:14.5px; line-height:1.7; max-width:280px; }
.footer-social{ display:flex; gap:10px; margin-top:22px; }
.footer-social a{ width:36px; height:36px; border-radius:50%; border:1px solid rgba(255,255,255,.2); display:flex; align-items:center; justify-content:center; transition:.3s; }
.footer-social a:hover{ background:var(--gold); border-color:var(--gold); color:var(--bordeaux-900); }
.footer-col h4{ color:var(--white); font-size:15px; margin-bottom:20px; font-family:var(--font-body); font-weight:600; letter-spacing:.3px; }
.footer-col ul li{ margin-bottom:12px; }
.footer-col ul a{ font-size:14.5px; transition:.25s; }
.footer-col ul a:hover{ color:var(--gold); padding-left:4px; }
.footer-legal p{ font-size:13px; line-height:1.8; margin-bottom:10px; }
.footer-legal strong{ color:rgba(255,255,255,.9); }
.sub-footer{ padding:24px 0; display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:12px; font-size:13px; color:rgba(255,255,255,.55); }
.sub-footer a{ color:rgba(255,255,255,.75); }
.sub-footer a:hover{ color:var(--gold); }

@media (max-width:991px){ .footer-grid{ grid-template-columns:1fr 1fr; } }
@media (max-width:600px){ .footer-grid{ grid-template-columns:1fr; } }

@media (max-width:600px){
  footer{ padding:44px 0 0; }
  .footer-grid{ gap:30px; padding-bottom:32px; }
  .footer-brand p{ max-width:none; margin-top:12px; font-size:13.5px; }
  .footer-col h4{ margin-bottom:12px; font-size:14px; }
  .footer-col ul li{ margin-bottom:8px; }
  .footer-legal p{ margin-bottom:6px; }
  .sub-footer{ padding:16px 0; font-size:12px; flex-direction:column; align-items:flex-start; gap:8px; }
}

/* ==========================================================================
   Whatsapp float
   ========================================================================== */
.wa-float{
  position:fixed; left:26px; bottom:26px; z-index:300; width:60px; height:60px; border-radius:50%;
  background:#25D366; display:flex; align-items:center; justify-content:center; box-shadow:0 14px 34px -10px rgba(0,0,0,.4);
  animation:wa-pulse 2.6s ease-in-out infinite;
}
.wa-float svg{ width:28px; height:28px; color:#fff; }
@keyframes wa-pulse{ 0%,100%{ box-shadow:0 14px 34px -10px rgba(37,211,102,.5);} 50%{ box-shadow:0 14px 34px -6px rgba(37,211,102,.85);} }

.scroll-top{
  position:fixed; right:26px; bottom:26px; z-index:300; width:52px; height:52px; border-radius:50%;
  background:var(--bordeaux-700); border:none; display:flex; align-items:center; justify-content:center;
  box-shadow:0 14px 34px -10px rgba(74,20,31,.55);
  opacity:0; visibility:hidden; transform:translateY(14px);
  transition:opacity .35s var(--ease), transform .35s var(--ease), visibility .35s, background .3s;
}
.scroll-top.show{ opacity:1; visibility:visible; transform:translateY(0); }
.scroll-top:hover{ background:var(--bordeaux-800); }
.scroll-top svg{ width:20px; height:20px; color:#fff; }

@media (max-width:600px){
  .wa-float{ left:16px; bottom:16px; width:52px; height:52px; }
  .wa-float svg{ width:24px; height:24px; }
  .scroll-top{ right:16px; bottom:16px; width:46px; height:46px; }
}

/* ==========================================================================
   Page header (sous-pages)
   ========================================================================== */
.page-header{
  position:relative; padding:150px 0 70px; margin-top:0; overflow:hidden; background:var(--bordeaux-900);
  background-size:cover; background-position:center;
}
.page-header::after{
  content:""; position:absolute; inset:0;
  background:linear-gradient(120deg, rgba(74,20,31,.93) 20%, rgba(74,20,31,.75) 100%);
}
.page-header-inner{ position:relative; z-index:2; color:var(--white); }
.page-header .eyebrow{ color:var(--gold); }
.page-header .eyebrow::before{ background:var(--gold); }
.page-header h1{ color:var(--white); font-size:clamp(30px,4.4vw,48px); margin-top:14px; }
.breadcrumb{ display:flex; align-items:center; gap:8px; margin-top:18px; font-size:13.5px; color:rgba(255,255,255,.7); }
.breadcrumb a{ color:rgba(255,255,255,.7); transition:.25s; }
.breadcrumb a:hover{ color:var(--gold); }
.breadcrumb span.sep{ opacity:.5; }
.breadcrumb span.current{ color:var(--gold); font-weight:600; }

/* ==========================================================================
   Story section
   ========================================================================== */
.story-media{ position:relative; border-radius:var(--radius-lg); overflow:hidden; box-shadow:var(--shadow-card); }
.story-media img{ width:100%; height:100%; object-fit:cover; }
.story-stats{ display:flex; gap:28px; margin-top:30px; flex-wrap:wrap; }
.story-stats .stat-mini{ min-width:110px; }
.story-stats .stat-num{ font-family:var(--font-display); font-size:28px; font-weight:700; color:var(--bordeaux-700); display:block; }
.story-stats .stat-label{ font-size:12.5px; color:var(--muted); text-transform:uppercase; letter-spacing:.6px; }
.story-text p{ color:var(--muted); font-size:15.5px; margin-bottom:16px; }

/* ==========================================================================
   Values
   ========================================================================== */
.values-grid{ display:grid; grid-template-columns:repeat(4,1fr); gap:28px; }
.value-card{ background:var(--white); border:1px solid var(--line); border-radius:var(--radius-md); padding:32px 26px; transition:transform .4s var(--ease), box-shadow .4s var(--ease); }
.value-card:hover{ transform:translateY(-8px); box-shadow:var(--shadow-card); }
.value-ico{ width:52px; height:52px; border-radius:50%; background:var(--bordeaux-100); color:var(--bordeaux-700); display:flex; align-items:center; justify-content:center; margin-bottom:18px; }
.value-ico svg{ width:24px; height:24px; }
.value-card h3{ font-size:18px; margin-bottom:10px; }
.value-card p{ font-size:14.5px; color:var(--muted); }
@media (max-width:991px){ .values-grid{ grid-template-columns:1fr 1fr; } }
@media (max-width:600px){ .values-grid{ grid-template-columns:1fr; } }

/* ==========================================================================
   Timeline
   ========================================================================== */
.timeline{ position:relative; max-width:800px; margin:0 auto; }
.timeline::before{ content:""; position:absolute; left:20px; top:6px; bottom:6px; width:1px; background:var(--line); }
.timeline-item{ position:relative; padding:0 0 44px 60px; }
.timeline-item:last-child{ padding-bottom:0; }
.timeline-dot{
  position:absolute; left:0; top:0; width:41px; height:41px; border-radius:50%; background:var(--white);
  border:1.5px solid var(--bordeaux-700); color:var(--bordeaux-700); display:flex; align-items:center; justify-content:center;
  font-family:var(--font-display); font-weight:700; font-size:12.5px; z-index:1;
}
.timeline-year{ font-family:var(--font-display); font-weight:700; color:var(--gold-dark); font-size:14px; letter-spacing:.5px; }
.timeline-item h3{ font-size:18px; margin:4px 0 8px; }
.timeline-item p{ font-size:14.5px; color:var(--muted); max-width:520px; }

/* ==========================================================================
   FAQ accordion
   ========================================================================== */
.faq-list{ max-width:820px; margin:0 auto; }
.faq-item{ border-bottom:1px solid var(--line); }
.faq-item:first-child{ border-top:1px solid var(--line); }
.faq-q{
  width:100%; display:flex; align-items:center; justify-content:space-between; gap:20px;
  padding:24px 4px; background:none; border:none; text-align:left; font-family:var(--font-display);
  font-size:17px; font-weight:600; color:var(--bordeaux-900); transition:color .25s;
}
.faq-q:hover{ color:var(--bordeaux-700); }
.faq-q .plus{ flex:none; width:30px; height:30px; border-radius:50%; border:1.5px solid var(--bordeaux-700); position:relative; transition:transform .35s var(--ease), background .3s; }
.faq-q .plus::before, .faq-q .plus::after{ content:""; position:absolute; background:var(--bordeaux-700); transition:.3s; }
.faq-q .plus::before{ left:9px; right:9px; top:14px; height:1.5px; }
.faq-q .plus::after{ top:9px; bottom:9px; left:14px; width:1.5px; }
.faq-item.open .plus{ transform:rotate(180deg); background:var(--bordeaux-700); }
.faq-item.open .plus::before, .faq-item.open .plus::after{ background:var(--white); }
.faq-item.open .plus::after{ opacity:0; }
.faq-a{ max-height:0; overflow:hidden; transition:max-height .45s var(--ease); }
.faq-a-inner{ padding:0 4px 26px; color:var(--muted); font-size:15px; max-width:680px; }

@media (max-width:600px){ .faq-q{ font-size:15.5px; padding:20px 2px; } }

/* ==========================================================================
   Service detail blocks (zigzag)
   ========================================================================== */
.svc-detail{ display:grid; grid-template-columns:1fr 1fr; gap:60px; align-items:center; padding:70px 0; border-bottom:1px solid var(--line); }
.svc-detail:last-child{ border-bottom:none; }
.svc-detail.reverse .svc-detail-media{ order:2; }
.svc-detail.reverse .svc-detail-text{ order:1; }
.svc-detail-media{ position:relative; border-radius:var(--radius-lg); overflow:hidden; box-shadow:var(--shadow-card); }
.svc-detail-media img{ width:100%; height:100%; object-fit:cover; aspect-ratio:4/3; }
.svc-detail-num{
  position:absolute; top:20px; left:20px; width:44px; height:44px; border-radius:50%; background:var(--white);
  color:var(--bordeaux-700); font-family:var(--font-display); font-weight:700; font-size:16px;
  display:flex; align-items:center; justify-content:center; box-shadow:var(--shadow-card);
}
.svc-detail-text h3{ font-size:clamp(22px,2.6vw,28px); margin-bottom:14px; }
.svc-detail-text p{ color:var(--muted); font-size:15.5px; margin-bottom:22px; }
.svc-feature-label{ font-size:12px; font-weight:600; letter-spacing:1.4px; text-transform:uppercase; color:var(--gold-dark); margin-bottom:12px; display:block; }
.svc-features{ display:grid; grid-template-columns:1fr 1fr; gap:12px 20px; margin-bottom:26px; }
.svc-features li{ display:flex; align-items:flex-start; gap:10px; font-size:14.5px; color:var(--ink); }
.svc-features svg{ width:18px; height:18px; flex:none; color:var(--bordeaux-700); margin-top:1px; }

@media (max-width:900px){
  .svc-detail{ grid-template-columns:1fr; gap:30px; padding:50px 0; }
  .svc-detail.reverse .svc-detail-media{ order:1; }
  .svc-detail.reverse .svc-detail-text{ order:2; }
  .svc-features{ grid-template-columns:1fr; }
}

/* ==========================================================================
   Comparison table
   ========================================================================== */
.table-wrap{ overflow-x:auto; border-radius:var(--radius-md); border:1px solid var(--line); }
.compare-table{ width:100%; border-collapse:collapse; min-width:560px; background:var(--white); }
.compare-table th{
  text-align:left; padding:18px 22px; background:var(--bordeaux-900); color:var(--white);
  font-family:var(--font-body); font-weight:600; font-size:13.5px; letter-spacing:.4px;
}
.compare-table th:first-child{ border-top-left-radius:var(--radius-md); }
.compare-table th:last-child{ border-top-right-radius:var(--radius-md); }
.compare-table td{ padding:18px 22px; font-size:14.5px; color:var(--ink); border-top:1px solid var(--line); }
.compare-table tr:nth-child(even) td{ background:var(--offwhite); }
.compare-table td.type-cell{ font-weight:600; color:var(--bordeaux-900); }
.compare-table td.rate-cell{ color:var(--bordeaux-700); font-weight:700; }

/* Sur mobile : transformer le tableau en fiches empilées, plus lisibles qu'un défilement horizontal */
@media (max-width:680px){
  .table-wrap{ border:none; overflow-x:visible; }
  .compare-table{ min-width:0; width:100%; border-spacing:0 14px; border-collapse:separate; }
  .compare-table thead{ display:none; }
  .compare-table tbody{ display:block; }
  .compare-table tr{
    display:block; margin-bottom:16px; border:1px solid var(--line); border-radius:var(--radius-md);
    overflow:hidden; background:var(--white); box-shadow:var(--shadow-card);
  }
  .compare-table tr:last-child{ margin-bottom:0; }
  .compare-table td{
    display:flex; align-items:center; justify-content:space-between; gap:12px;
    padding:13px 18px; border-top:1px solid var(--line); font-size:14px;
  }
  .compare-table td::before{
    content:attr(data-label); font-weight:600; font-size:11.5px; letter-spacing:.5px;
    text-transform:uppercase; color:var(--muted); flex:none;
  }
  .compare-table td.type-cell{
    background:var(--bordeaux-900); color:var(--white); border-top:none; font-size:16px;
    font-family:var(--font-display); padding:16px 18px;
  }
  .compare-table td.type-cell::before{ content:none; }
}

/* ==========================================================================
   Simulator
   ========================================================================== */
.sim-card{
  display:grid; grid-template-columns:1.1fr 1fr; background:var(--white); border-radius:var(--radius-lg);
  box-shadow:var(--shadow-soft); overflow:hidden; border:1px solid var(--line);
}
.sim-controls{ padding:48px 44px; }
.sim-results{ background:var(--bordeaux-900); color:var(--white); padding:48px 44px; display:flex; flex-direction:column; justify-content:center; }

.sim-field{ margin-bottom:30px; }
.sim-field label{ display:block; font-size:13px; font-weight:600; letter-spacing:.5px; text-transform:uppercase; color:var(--muted); margin-bottom:14px; }

.sim-type-grid{ display:grid; grid-template-columns:1fr 1fr; gap:10px; }
.sim-type-btn{
  border:1.5px solid var(--line); background:var(--white); border-radius:100px; padding:11px 8px;
  font-size:13.5px; font-weight:600; color:var(--ink); transition:.3s; text-align:center;
}
.sim-type-btn:hover{ border-color:var(--bordeaux-700); }
.sim-type-btn.active{ background:var(--bordeaux-700); border-color:var(--bordeaux-700); color:var(--white); }

.sim-amount-row{ display:flex; align-items:baseline; justify-content:space-between; margin-bottom:14px; }
.sim-amount-value{ font-family:var(--font-display); font-size:26px; font-weight:700; color:var(--bordeaux-700); }
.sim-range-hint{ display:flex; justify-content:space-between; font-size:12px; color:var(--muted); margin-top:8px; }

input[type="range"]{ width:100%; accent-color:var(--bordeaux-700); height:6px; cursor:pointer; }

.sim-disclaimer{ font-size:12.5px; color:var(--muted); margin-top:8px; line-height:1.6; }

.sim-result-top{ text-align:center; margin-bottom:34px; }
.sim-result-top .label{ font-size:13px; letter-spacing:1px; text-transform:uppercase; color:rgba(255,255,255,.65); }
.sim-result-top .value{ font-family:var(--font-display); font-size:clamp(38px,5vw,52px); font-weight:700; color:var(--gold); margin-top:6px; transition:transform .25s var(--ease); }
.sim-result-top .value.pulse{ transform:scale(1.06); }
.sim-result-top .per-month{ font-size:14px; color:rgba(255,255,255,.6); margin-top:2px; }

.sim-donut-wrap{ display:flex; align-items:center; gap:24px; justify-content:center; margin-bottom:30px; flex-wrap:wrap; }
.donut{ width:150px; height:150px; border-radius:50%; position:relative; flex:none; transition:transform .25s var(--ease); }
.donut.pulse{ transform:scale(1.04); }
.donut::before{ content:""; position:absolute; inset:16px; border-radius:50%; background:var(--bordeaux-900); }
.donut-legend{ display:flex; flex-direction:column; gap:14px; min-width:0; }

@media (max-width:420px){
  .sim-donut-wrap{ gap:18px; }
  .donut{ width:120px; height:120px; }
  .donut::before{ inset:13px; }
}
.donut-legend-item{ display:flex; align-items:center; gap:10px; font-size:13.5px; color:rgba(255,255,255,.85); }
.donut-legend-item .dot{ width:11px; height:11px; border-radius:3px; flex:none; }
.donut-legend-item .dot.principal{ background:var(--gold); }
.donut-legend-item .dot.interest{ background:var(--bordeaux-500); }
.donut-legend-item .amount{ display:block; font-weight:700; color:var(--white); font-size:14.5px; }

.sim-mini-stats{ display:grid; grid-template-columns:1fr 1fr; gap:16px; padding-top:24px; border-top:1px solid rgba(255,255,255,.15); }
.sim-mini-stats .item{ text-align:center; }
.sim-mini-stats .label{ font-size:11.5px; color:rgba(255,255,255,.6); text-transform:uppercase; letter-spacing:.5px; }
.sim-mini-stats .value{ font-family:var(--font-display); font-weight:700; font-size:18px; color:var(--white); margin-top:4px; }

.sim-rate-note{ display:flex; align-items:center; gap:10px; background:rgba(201,168,106,.14); border:1px solid rgba(201,168,106,.35); border-radius:100px; padding:10px 18px; font-size:13px; color:var(--gold); margin-top:24px; }
.sim-rate-note svg{ width:16px; height:16px; flex:none; }

@media (max-width:900px){
  .sim-card{ grid-template-columns:1fr; }
  .sim-controls, .sim-results{ padding:36px 26px; }
}

/* ==========================================================================
   Contact page
   ========================================================================== */
.contact-grid{ display:grid; grid-template-columns:1.3fr 1fr; gap:44px; align-items:start; }
.contact-form-card{ background:var(--white); border:1px solid var(--line); border-radius:var(--radius-lg); padding:44px; box-shadow:var(--shadow-card); }
.form-row{ display:grid; grid-template-columns:1fr 1fr; gap:20px; margin-bottom:20px; }
.form-group{ margin-bottom:20px; }
.form-group label{ display:block; font-size:13px; font-weight:600; color:var(--muted); margin-bottom:8px; }
.form-group input, .form-group textarea{
  width:100%; padding:13px 16px; border:1.5px solid var(--line); border-radius:var(--radius-sm);
  font-family:var(--font-body); font-size:14.5px; color:var(--ink); background:var(--cream);
  transition:border-color .25s, background .25s;
}
.form-group input:focus, .form-group textarea:focus{ outline:none; border-color:var(--bordeaux-700); background:var(--white); }
.form-group textarea{ resize:vertical; min-height:130px; }
.form-honeypot{ position:absolute; left:-9999px; opacity:0; height:0; }

.form-alert{ padding:16px 20px; border-radius:var(--radius-sm); font-size:14.5px; margin-bottom:24px; display:flex; align-items:center; gap:10px; }
.form-alert.success{ background:#e9f5ef; color:#1e6b47; border:1px solid #bfe3d0; }
.form-alert.error{ background:#fbebec; color:#a1303a; border:1px solid #f1c3c7; }
.form-alert svg{ width:18px; height:18px; flex:none; }

.contact-side{ display:flex; flex-direction:column; gap:20px; }
.contact-card{ background:var(--white); border:1px solid var(--line); border-radius:var(--radius-md); padding:26px; }
.contact-card h3{ font-size:16px; margin-bottom:6px; display:flex; align-items:center; gap:10px; }
.contact-card h3 svg{ width:20px; height:20px; color:var(--bordeaux-700); }
.contact-card p{ font-size:14px; color:var(--muted); margin-bottom:14px; }
.contact-card.whatsapp-card{ background:var(--bordeaux-700); border-color:var(--bordeaux-700); }
.contact-card.whatsapp-card h3, .contact-card.whatsapp-card p{ color:rgba(255,255,255,.9); }
.contact-card.whatsapp-card h3 svg{ color:var(--gold); }
.contact-card .hours-row{ display:flex; justify-content:space-between; font-size:14px; padding:6px 0; border-top:1px solid var(--line); }
.contact-card .hours-row:first-of-type{ border-top:none; }
.contact-countries{ display:flex; flex-direction:column; gap:10px; }
.contact-countries .country-chip{ width:100%; }
.contact-legal p{ font-size:13px; line-height:1.7; margin-bottom:8px; }
.contact-legal strong{ color:var(--ink); }

@media (max-width:900px){
  .contact-grid{ grid-template-columns:1fr; }
  .form-row{ grid-template-columns:1fr; }
  .contact-form-card{ padding:30px 24px; }
}

/* ==========================================================================
   Success page
   ========================================================================== */
.success-wrap{ min-height:64vh; display:flex; align-items:center; justify-content:center; padding:100px 20px; }
.success-inner{ text-align:center; max-width:520px; }
.success-check{ width:100px; height:100px; border-radius:50%; background:var(--bordeaux-100); display:flex; align-items:center; justify-content:center; margin:0 auto 30px; }
.success-check svg{ width:46px; height:46px; color:var(--bordeaux-700); }
.success-check svg path{ stroke-dasharray:40; stroke-dashoffset:40; animation:draw-check .6s .2s ease forwards; }
@keyframes draw-check{ to{ stroke-dashoffset:0; } }
.success-inner h1{ font-size:clamp(24px,3.4vw,32px); margin:0 0 16px; }
.success-inner p{ color:var(--muted); font-size:16px; margin-bottom:32px; }

/* ==========================================================================
   Multi-step application form
   ========================================================================== */
.stepper{ display:flex; align-items:flex-start; justify-content:center; gap:0; max-width:640px; margin:0 auto 50px; }
.stepper-item{ display:flex; flex-direction:column; align-items:center; flex:1; position:relative; }
.stepper-item:not(:last-child)::after{
  content:""; position:absolute; top:20px; left:calc(50% + 30px); right:calc(-50% + 30px); height:1.5px; background:var(--line); z-index:0;
}
.stepper-item.done:not(:last-child)::after{ background:var(--bordeaux-700); }
.stepper-circle{
  width:40px; height:40px; border-radius:50%; background:var(--white); border:1.5px solid var(--line);
  display:flex; align-items:center; justify-content:center; font-family:var(--font-display); font-weight:700;
  font-size:15px; color:var(--muted); position:relative; z-index:1; transition:.4s var(--ease);
}
.stepper-item.active .stepper-circle{ border-color:var(--bordeaux-700); color:var(--bordeaux-700); }
.stepper-item.done .stepper-circle{ background:var(--bordeaux-700); border-color:var(--bordeaux-700); color:var(--white); }
.stepper-label{ font-size:12.5px; margin-top:10px; color:var(--muted); font-weight:600; text-align:center; }
.stepper-item.active .stepper-label{ color:var(--bordeaux-700); }

@media (max-width:600px){ .stepper-label{ font-size:10.5px; } .stepper-circle{ width:32px;height:32px;font-size:13px; } }

.apply-card{ max-width:760px; margin:0 auto; background:var(--white); border:1px solid var(--line); border-radius:var(--radius-lg); box-shadow:var(--shadow-soft); overflow:hidden; }
.step-panel{ display:none; padding:46px 48px; animation:stepIn .5s var(--ease); }
.step-panel.active{ display:block; }
@keyframes stepIn{ from{ opacity:0; transform:translateX(24px); } to{ opacity:1; transform:translateX(0); } }
.step-panel h3{ font-size:22px; margin-bottom:6px; }
.step-panel .step-sub{ color:var(--muted); font-size:14.5px; margin-bottom:30px; }

.step-actions{ display:flex; justify-content:space-between; align-items:center; padding:0 48px 40px; }
.step-actions .spacer{ flex:1; }

.field-error{ font-size:12.5px; color:#a1303a; margin-top:6px; display:none; }
.form-group.invalid input, .form-group.invalid select, .form-group.invalid textarea{ border-color:#e0838c; }
.form-group.invalid .field-error{ display:block; }

.form-group select{
  width:100%; padding:13px 16px; border:1.5px solid var(--line); border-radius:var(--radius-sm);
  font-family:var(--font-body); font-size:14.5px; color:var(--ink); background:var(--cream);
  transition:border-color .25s, background .25s; appearance:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%236b5d59' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat; background-position:right 14px center; background-size:16px;
}
.form-group select:focus{ outline:none; border-color:var(--bordeaux-700); background-color:var(--white); }

.loan-type-grid{ display:grid; grid-template-columns:repeat(4,1fr); gap:10px; }
@media (max-width:600px){ .loan-type-grid{ grid-template-columns:1fr 1fr; } .step-panel{ padding:34px 24px; } .step-actions{ padding:0 24px 32px; } }

/* ==========================================================================
   Utilities
   ========================================================================== */
.grid-2{ display:grid; grid-template-columns:1fr 1fr; gap:60px; align-items:center; }
@media (max-width:900px){ .grid-2{ grid-template-columns:1fr; } }

/* ==========================================================================
   Legal content (Datenschutz / AGB / Impressum)
   ========================================================================== */
.legal-content{ max-width:820px; margin:0 auto; }
.legal-content h2{ font-family:var(--font-display); font-size:28px; color:var(--bordeaux-800); margin:0 0 20px; }
.legal-content h3{ font-family:var(--font-display); font-size:19px; color:var(--bordeaux-700); margin:38px 0 12px; }
.legal-content p{ margin:0 0 14px; color:var(--ink); font-size:15px; line-height:1.75; }
.legal-content ul{ margin:0 0 16px; padding-left:22px; }
.legal-content li{ margin-bottom:8px; color:var(--ink); font-size:15px; line-height:1.7; }
.legal-content a{ color:var(--bordeaux-700); text-decoration:underline; }
.legal-content strong{ color:var(--ink); }