:root {
  color-scheme: light;
  --bg: #f5f7fa;
  --surface: #ffffff;
  --surface-soft: #eff6ff;
  --ink: #142033;
  --muted: #5c687a;
  --line: #dce3eb;
  --primary: #1e40af;
  --primary-dark: #1e3a8a;
  --accent: #d97706;
  --accent-soft: #fef3c7;
  --danger: #b42318;
  --success: #087443;
  --shadow: 0 24px 70px rgba(22, 34, 51, 0.14);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family:
    Inter,
    ui-sans-serif,
    system-ui,
    -apple-system,
    BlinkMacSystemFont,
    "Segoe UI",
    sans-serif;
  line-height: 1.5;
}

a {
  color: inherit;
}

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

button,
input,
select {
  font: inherit;
}

button {
  cursor: pointer;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.container {
  width: min(1120px, calc(100% - 32px));
  margin: 0 auto;
}

.container--narrow {
  width: min(820px, calc(100% - 32px));
}

.site-header {
  position: fixed;
  top: 0;
  right: 0;
  left: 0;
  z-index: 20;
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid rgba(220, 227, 235, 0.86);
  box-shadow: 0 10px 30px rgba(22, 34, 51, 0.05);
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  transition:
    background 220ms ease,
    border-color 220ms ease,
    box-shadow 220ms ease,
    backdrop-filter 220ms ease;
}

.site-header.is-scrolled,
.site-header.is-menu-open {
  background: rgba(255, 255, 255, 0.96);
  border-color: rgba(220, 227, 235, 0.92);
  box-shadow: 0 18px 50px rgba(22, 34, 51, 0.09);
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
}

.main-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: min(1180px, calc(100% - 32px));
  min-height: 76px;
  margin: 0 auto;
  gap: 24px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--ink);
  font-weight: 800;
  text-decoration: none;
  transition: color 220ms ease;
}

.site-header.is-scrolled .brand,
.site-header.is-menu-open .brand {
  color: var(--ink);
}

/* ==========================================================================
   Brand Logo System (Modern Fintech Identity)
   ========================================================================== */

.brand-logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  font-family: inherit;
  line-height: 1;
  user-select: none;
  transition: opacity 180ms ease, transform 180ms cubic-bezier(0.16, 1, 0.3, 1);
}

.brand-logo:hover {
  opacity: 0.96;
}

.brand-logo__mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  border-radius: 10px;
  overflow: hidden;
  box-shadow: 0 4px 14px -2px rgba(30, 64, 175, 0.22);
  transition: transform 220ms cubic-bezier(0.16, 1, 0.3, 1), box-shadow 220ms ease;
}

.brand:hover .brand-logo__mark,
.brand-logo:hover .brand-logo__mark {
  transform: translateY(-1px) scale(1.03);
  box-shadow: 0 6px 18px -2px rgba(30, 64, 175, 0.32);
}

.brand-logo__svg {
  display: block;
  width: 100%;
  height: 100%;
}

/* Dimensions responsive */
.brand-logo--sm .brand-logo__mark {
  width: 28px;
  height: 28px;
  border-radius: 7px;
}
.brand-logo--sm .brand-logo__text {
  font-size: 0.95rem;
}

.brand-logo--md .brand-logo__mark {
  width: 38px;
  height: 38px;
  border-radius: 10px;
}
.brand-logo--md .brand-logo__text {
  font-size: 1.15rem;
}

.brand-logo--lg .brand-logo__mark {
  width: 46px;
  height: 46px;
  border-radius: 12px;
}
.brand-logo--lg .brand-logo__text {
  font-size: 1.35rem;
}

.brand-logo--xl .brand-logo__mark {
  width: 56px;
  height: 56px;
  border-radius: 14px;
}
.brand-logo--xl .brand-logo__text {
  font-size: 1.65rem;
}

/* Typographie & Bicolore Moderne */
.brand-logo__text-wrap {
  display: inline-flex;
  flex-direction: column;
  gap: 2px;
}

.brand-logo__text {
  display: inline-flex;
  align-items: baseline;
  font-weight: 800;
  letter-spacing: -0.025em;
  color: var(--ink);
  white-space: nowrap;
}

.brand-logo__word-main {
  color: inherit;
  font-weight: 800;
}

.brand-logo__word-accent {
  color: var(--accent);
  font-weight: 800;
}

.brand-logo__tagline {
  font-size: 0.72rem;
  font-weight: 500;
  color: var(--muted);
  letter-spacing: 0.02em;
}

/* Thèmes d'affichage (Clair / Sombre) */
.brand-logo--theme-light .brand-logo__text {
  color: var(--ink);
}

.brand-logo--theme-dark .brand-logo__text,
.brand--footer .brand-logo__text {
  color: #ffffff;
}

.brand-logo--theme-dark .brand-logo__mark,
.brand--footer .brand-logo__mark {
  box-shadow: 0 4px 16px -2px rgba(0, 0, 0, 0.45);
}

.brand-logo--theme-dark .brand-logo__tagline,
.brand--footer .brand-logo__tagline {
  color: rgba(255, 255, 255, 0.65);
}

/* Héritage pour les liens brand existants */
.brand .brand-logo {
  pointer-events: none;
}

.brand__mark {
  display: grid;
  width: 42px;
  height: 42px;
  place-items: center;
  border-radius: 8px;
  background: var(--primary);
  color: #fff;
  font-size: 0.9rem;
  letter-spacing: 0;
  transition:
    background 220ms ease,
    color 220ms ease;
}

.site-header.is-scrolled .brand__mark,
.site-header.is-menu-open .brand__mark {
  background: var(--primary);
  color: #fff;
}

.brand__text {
  font-size: 1.1rem;
}

.main-menu {
  display: flex;
  align-items: center;
  gap: 22px;
}

.main-menu__link {
  color: var(--muted);
  font-size: 0.95rem;
  font-weight: 700;
  text-decoration: none;
  transition: color 180ms ease;
}

.main-menu__link:hover {
  color: var(--primary);
}

.site-header.is-scrolled .main-menu__link,
.site-header.is-menu-open .main-menu__link {
  color: var(--muted);
}

.site-header.is-scrolled .main-menu__link:hover,
.site-header.is-menu-open .main-menu__link:hover {
  color: var(--primary);
}

.field select,
.field input,
.field textarea {
  width: 100%;
  min-height: 48px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  color: var(--ink);
  padding: 0 14px;
}

.field textarea {
  min-height: 128px;
  padding: 14px;
  resize: vertical;
}

.language-switcher {
  position: relative;
}

.language-switcher__button {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  min-height: 42px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  color: var(--ink);
  padding: 0 12px;
  font-weight: 800;
  transition:
    background 180ms ease,
    border-color 180ms ease,
    color 180ms ease;
}

.site-header.is-scrolled .language-switcher__button,
.site-header.is-menu-open .language-switcher__button {
  border-color: var(--line);
  background: #fff;
  color: var(--ink);
}

.language-switcher__flag,
.language-switcher__option-flag {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  line-height: 1;
}

.flag-icon {
  display: inline-block;
  width: 20px;
  height: 15px;
  border-radius: 2px;
  box-shadow: 0 0 0 1px rgba(0, 0, 0, 0.15);
  vertical-align: middle;
  object-fit: cover;
}

.language-switcher__menu {
  position: absolute;
  top: calc(100% + 10px);
  right: 0;
  display: grid;
  min-width: 170px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  padding: 6px;
  box-shadow: var(--shadow);
  opacity: 0;
  pointer-events: none;
  transform: translateY(-6px);
  transition:
    opacity 180ms ease,
    transform 180ms ease;
}

.language-switcher.is-open .language-switcher__menu {
  opacity: 1;
  pointer-events: auto;
  transform: translateY(0);
}

.language-switcher__option {
  display: flex;
  align-items: center;
  gap: 10px;
  min-height: 40px;
  border: 0;
  border-radius: 6px;
  background: transparent;
  color: var(--ink);
  padding: 0 10px;
  font-weight: 800;
  text-align: left;
  text-decoration: none;
}

.language-switcher__option:hover,
.language-switcher__option.is-selected {
  background: var(--surface-soft);
  color: var(--primary);
}

.nav-toggle {
  display: none;
  width: 40px;
  height: 40px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  transition:
    background 180ms ease,
    border-color 180ms ease;
}

.site-header.is-scrolled .nav-toggle,
.site-header.is-menu-open .nav-toggle {
  border-color: var(--line);
  background: #fff;
}

.nav-toggle__line {
  display: block;
  width: 18px;
  height: 2px;
  margin: 4px auto;
  background: var(--ink);
  transition: background 180ms ease;
}

.site-header.is-scrolled .nav-toggle__line,
.site-header.is-menu-open .nav-toggle__line {
  background: var(--ink);
}

/* ==========================================================================
   HERO BENTO GRID SECTION (MODERN FINTECH STYLE)
   ========================================================================== */
.hero-bento-section {
  position: relative;
  background: var(--bg);
  padding: 108px 0 60px;
}

.hero-bento-container {
  width: min(1200px, calc(100% - 32px));
  margin: 0 auto;
}

.hero-bento-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(360px, 0.92fr);
  gap: 24px;
  align-items: stretch;
}

.hero-bento-left {
  display: flex;
  flex-direction: column;
  gap: 24px;
  height: 100%;
}

.hero-bento-right {
  display: flex;
  flex-direction: column;
  height: 100%;
}

.hero-bento-card {
  position: relative;
  background: var(--surface);
  border: 1px solid rgba(220, 227, 235, 0.85);
  border-radius: 24px;
  box-shadow: 0 16px 40px -12px rgba(20, 32, 51, 0.07);
  transition: transform 220ms ease, box-shadow 220ms ease;
}

/* Boîte 1 : Image Illustrative */
.hero-bento-card--image {
  overflow: hidden;
  min-height: 250px;
  flex: 1 1 250px;
  display: flex;
  position: relative;
  border-radius: 24px;
}

.hero-bento-picture {
  width: 100%;
  height: 100%;
  display: block;
}

.hero-bento-media {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 25%;
  display: block;
  border-radius: inherit;
  transition: transform 600ms cubic-bezier(0.16, 1, 0.3, 1);
}

.hero-bento-card--image:hover .hero-bento-media {
  transform: scale(1.025);
}

/* Badges flottants en verre dépoli (Frosted Glass) */
.hero-floating-badge {
  position: absolute;
  z-index: 3;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 9px 18px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.88);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border: 1px solid rgba(255, 255, 255, 0.9);
  box-shadow: 0 14px 30px -6px rgba(15, 23, 42, 0.16);
  pointer-events: none;
  user-select: none;
  animation: floatSubtle 4s ease-in-out infinite alternate;
}

.hero-floating-badge--top {
  top: 18px;
  left: 18px;
}

.hero-floating-badge--bottom {
  bottom: 18px;
  right: 18px;
  animation-delay: -2s;
}

@keyframes floatSubtle {
  0% { transform: translateY(0); }
  100% { transform: translateY(-4px); }
}

.hero-floating-badge__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: #fef3c7;
  color: #b45309;
  font-size: 0.82rem;
  font-weight: 800;
  flex-shrink: 0;
}

.hero-floating-badge__icon--success {
  background: #dcfce7;
  color: #15803d;
}

.hero-floating-badge__text {
  font-size: 0.84rem;
  font-weight: 800;
  letter-spacing: -0.01em;
  color: var(--ink);
  white-space: nowrap;
}

/* Boîte 2 : Titre & Accroche Ultra-Épurée */
.hero-bento-card--content {
  padding: clamp(28px, 4vw, 38px);
  display: flex;
  flex-direction: column;
  justify-content: center;
  flex: 0 0 auto;
}

.hero-bento__eyebrow {
  margin: 0 0 10px;
  color: var(--primary);
  font-size: 0.8rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.hero-bento__title {
  margin: 0;
  font-size: clamp(1.85rem, 3.2vw, 2.75rem);
  font-weight: 900;
  line-height: 1.12;
  letter-spacing: -0.025em;
  color: var(--ink);
}

.hero-bento__lead {
  margin: 16px 0 0;
  font-size: clamp(0.98rem, 1.25vw, 1.08rem);
  line-height: 1.6;
  color: var(--muted);
}

/* Boîte 3 : Formulaire Progressif */
.hero-bento-card--form {
  display: flex;
  flex-direction: column;
  height: 100%;
  overflow: hidden;
}

.hero-bento-card--form .hero-progressive-card {
  border: none;
  box-shadow: none;
  background: transparent;
  border-radius: 0;
  padding: clamp(24px, 3.2vw, 34px);
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

/* Responsive Tablet & Mobile */
@media (max-width: 991px) {
  .hero-bento-section {
    padding: 92px 0 44px;
  }

  .hero-bento-grid {
    display: flex;
    flex-direction: column;
    gap: 20px;
  }

  .hero-bento-left,
  .hero-bento-right {
    display: contents;
  }

  /* Ordre CRO mobile validé : 1. Titre -> 2. Formulaire -> 3. Image */
  .hero-bento-card--content {
    order: 1;
    padding: 26px 20px;
  }

  .hero-bento-card--form {
    order: 2;
  }

  .hero-bento-card--image {
    order: 3;
    min-height: 220px;
    height: 250px;
  }

  .hero-floating-badge {
    padding: 7px 14px;
  }

  .hero-floating-badge--top {
    top: 12px;
    left: 12px;
  }

  .hero-floating-badge--bottom {
    bottom: 12px;
    right: 12px;
  }

  .hero-floating-badge__text {
    font-size: 0.78rem;
  }
}

@media (max-width: 480px) {
  .hero-bento-card {
    border-radius: 18px;
  }

  .hero-bento__title {
    font-size: 1.62rem;
  }

  .hero-bento-card--form .hero-progressive-card {
    padding: 20px 14px;
  }

  .hero-bento-card--image {
    min-height: 190px;
    height: 210px;
  }

  .hero-floating-badge {
    padding: 5px 11px;
    gap: 6px;
  }

  .hero-floating-badge__icon {
    width: 20px;
    height: 20px;
    font-size: 0.72rem;
  }

  .hero-floating-badge__text {
    font-size: 0.72rem;
  }
}

.hero-section {
  position: relative;
  min-height: 760px;
  padding: 142px 0 76px;
  background: url("../images/hero-credit.webp") center / cover no-repeat;
  color: #fff;
}

.hero-section__overlay {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg,
      rgba(8, 35, 42, 0.88),
      rgba(8, 35, 42, 0.58) 52%,
      rgba(8, 35, 42, 0.34)),
    rgba(8, 35, 42, 0.24);
}

.hero-section__inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(360px, 0.72fr);
  gap: 42px;
  align-items: center;
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
}

.hero-content h1,
.section h2 {
  margin: 0;
  line-height: 1.05;
}

.hero-content h1 {
  max-width: 780px;
  font-size: clamp(2.5rem, 5vw, 4.8rem);
}

.eyebrow,
.section-kicker,
.hero-card__kicker {
  margin: 0 0 12px;
  color: var(--accent);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.hero-content__lead {
  max-width: 690px;
  margin: 24px 0 0;
  color: rgba(255, 255, 255, 0.88);
  font-size: 1.16rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 32px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 52px;
  border: 1px solid transparent;
  border-radius: 8px;
  padding: 0 22px;
  font-weight: 800;
  text-decoration: none;
  transition:
    transform 180ms ease,
    box-shadow 180ms ease,
    background 180ms ease;
}

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

.btn--primary {
  background: var(--primary);
  color: #fff;
  box-shadow: 0 14px 34px rgba(30, 64, 175, 0.26);
}

.btn--primary:hover {
  background: var(--primary-dark);
}

.btn--secondary {
  border-color: rgba(255, 255, 255, 0.72);
  background: rgba(255, 255, 255, 0.12);
  color: #fff;
}

.btn--full {
  width: 100%;
}

.trust-list {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin: 26px 0 0;
  padding: 0;
  list-style: none;
}

.trust-list li {
  border: 1px solid rgba(255, 255, 255, 0.24);
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.12);
  padding: 8px 12px;
  color: rgba(255, 255, 255, 0.92);
  font-size: 0.92rem;
  font-weight: 700;
}

.trust-list li::before {
  content: "✓";
  margin-right: 7px;
  color: #bff0d2;
}

.hero-card {
  border: 1px solid rgba(220, 227, 235, 0.86);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.96);
  box-shadow: var(--shadow);
}

.hero-card {
  color: var(--ink);
  padding: 28px;
}

.hero-card h2 {
  margin: 0 0 20px;
  font-size: 1.6rem;
}

.form-grid {
  display: grid;
  gap: 14px;
  margin-bottom: 18px;
}

.form-grid--two {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
  margin-bottom: 0;
}

.field {
  display: grid;
  gap: 7px;
  color: var(--muted);
  font-size: 0.9rem;
  font-weight: 800;
}

.field small {
  color: #738094;
  font-size: 0.82rem;
  font-weight: 600;
}

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

.form-trap {
  display: none;
}

.quick-form__trust {
  margin: -2px 0 16px;
  color: var(--success);
  font-size: 0.9rem;
  font-weight: 900;
}

.section {
  padding: 92px 0;
  scroll-margin-top: 88px;
}

.page-section {
  padding-top: 140px;
  padding-bottom: 80px;
}

.page-section h1 {
  margin: 0 0 18px;
  font-size: clamp(2.2rem, 4vw, 3.5rem);
  line-height: 1.05;
}

.page-section p {
  margin: 0 0 24px;
  color: var(--muted);
  font-size: 1.05rem;
}

.static-hero {
  position: relative;
  padding: 160px 0 72px;
  overflow: hidden;
  background:
    linear-gradient(135deg, rgba(30, 64, 175, 0.94), rgba(16, 24, 34, 0.92)),
    url("../images/hero-credit.webp") center / cover no-repeat;
  color: #fff;
}

.static-hero::after {
  position: absolute;
  right: -90px;
  bottom: -90px;
  width: 260px;
  height: 260px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.08);
  content: "";
}

.static-hero__inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 28px;
  align-items: end;
}

.static-hero h1 {
  max-width: 760px;
  margin: 0;
  font-size: clamp(2.5rem, 5vw, 4.8rem);
  line-height: 1.04;
}

.static-hero p:not(.section-kicker) {
  max-width: 680px;
  margin: 20px 0 0;
  color: rgba(255, 255, 255, 0.82);
  font-size: 1.12rem;
}

.static-hero__badge {
  border: 1px solid rgba(255, 255, 255, 0.24);
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.12);
  padding: 10px 15px;
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.86rem;
  font-weight: 900;
}

.legal-layout {
  display: grid;
  grid-template-columns: minmax(220px, 0.32fr) minmax(0, 0.68fr);
  gap: 42px;
  align-items: start;
}

.legal-summary {
  position: sticky;
  top: 108px;
  display: grid;
  gap: 8px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
  padding: 20px;
  box-shadow: 0 18px 48px rgba(22, 34, 51, 0.06);
}

.legal-summary a {
  border-radius: 6px;
  color: var(--muted);
  padding: 8px 10px;
  font-weight: 800;
  text-decoration: none;
}

.legal-summary a:hover {
  background: var(--surface-soft);
  color: var(--primary);
}

.legal-content {
  display: grid;
  gap: 28px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
  padding: clamp(24px, 4vw, 42px);
  box-shadow: 0 24px 70px rgba(22, 34, 51, 0.08);
}

.legal-content section {
  scroll-margin-top: 110px;
}

.legal-content h2 {
  margin: 0 0 12px;
  color: var(--ink);
  font-size: 1.35rem;
}

.legal-content p {
  margin: 0 0 12px;
  color: var(--muted);
}

.legal-list {
  display: grid;
  gap: 8px;
  margin: 0 0 12px;
  padding-left: 20px;
  color: var(--muted);
}

.legal-list li {
  padding-left: 4px;
}

.legal-list--details {
  list-style: none;
  padding-left: 0;
}

.legal-list--details li {
  padding-left: 0;
}

.legal-content a {
  color: var(--primary);
  font-weight: 900;
}

.legal-placeholder {
  display: inline-flex;
  border-radius: 999px;
  background: var(--accent-soft);
  color: #654709;
  padding: 2px 8px;
  font-size: 0.9em;
  font-weight: 900;
}

.legal-updated {
  width: fit-content;
  border-radius: 999px;
  background: var(--surface-soft);
  color: var(--primary) !important;
  padding: 8px 12px;
  font-size: 0.88rem;
  font-weight: 900;
}

.contact-layout {
  display: grid;
  grid-template-columns: minmax(280px, 0.78fr) minmax(0, 1.22fr);
  gap: 34px;
  align-items: start;
}

.contact-panel,
.contact-form {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
  box-shadow: 0 24px 70px rgba(22, 34, 51, 0.08);
}

.contact-panel {
  position: sticky;
  top: 108px;
  display: grid;
  gap: 22px;
  padding: clamp(24px, 4vw, 36px);
}

.contact-panel h2,
.contact-form h2 {
  margin: 0;
  color: var(--ink);
  font-size: clamp(1.8rem, 3vw, 2.45rem);
  line-height: 1.08;
}

.contact-panel p,
.contact-form__header p:last-child {
  margin: 0;
  color: var(--muted);
}

.contact-methods {
  display: grid;
  gap: 12px;
}

.contact-method {
  display: grid;
  grid-template-columns: 48px minmax(0, 1fr);
  gap: 14px;
  align-items: center;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfcfd;
  padding: 14px;
  color: var(--muted);
  text-decoration: none;
}

a.contact-method {
  transition:
    border-color 180ms ease,
    box-shadow 180ms ease,
    transform 180ms ease;
}

a.contact-method:hover {
  border-color: rgba(30, 64, 175, 0.3);
  box-shadow: 0 18px 42px rgba(22, 34, 51, 0.08);
  transform: translateY(-2px);
}

.contact-method strong {
  display: block;
  margin-bottom: 3px;
  color: var(--ink);
}

.contact-method__icon {
  display: grid;
  width: 48px;
  height: 48px;
  place-items: center;
  border-radius: 8px;
  background: var(--surface-soft);
  color: var(--primary);
}

.contact-method__icon svg {
  width: 23px;
  height: 23px;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.8;
}

.contact-note {
  border-left: 4px solid var(--accent);
  border-radius: 8px;
  background: var(--accent-soft);
  color: #654709 !important;
  padding: 15px 16px;
  font-weight: 800;
}

.contact-form {
  display: grid;
  gap: 22px;
  padding: clamp(24px, 4vw, 38px);
}

.form-alert {
  margin: 0;
  border: 1px solid #f0c2c2;
  border-left: 4px solid #b42318;
  border-radius: 8px;
  background: #fff4f2;
  color: #7a271a;
  padding: 14px 16px;
  font-weight: 800;
  line-height: 1.45;
}

.contact-form__header {
  display: grid;
  gap: 12px;
  margin-bottom: 2px;
}

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

.section h2 {
  max-width: 760px;
  margin-bottom: 32px;
  font-size: clamp(2rem, 3vw, 3rem);
}

.section-intro {
  max-width: 680px;
  margin: -16px 0 34px;
  color: var(--muted);
  font-size: 1.04rem;
}

/* ==========================================================================
   PROCESS / COMMENT ÇA FONCTIONNE (BENTO PROCESS SECTION)
   ========================================================================== */
.process-bento-section {
  padding: 80px 0 72px;
  background: var(--bg);
}

.process-bento-heading {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 48px;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.process-kicker-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 14px;
  border-radius: 999px;
  background: var(--surface-soft);
  color: var(--primary);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 14px;
  border: 1px solid rgba(30, 64, 175, 0.14);
}

.process-bento-title {
  margin: 0;
  font-size: clamp(2rem, 3.5vw, 2.75rem);
  font-weight: 900;
  line-height: 1.15;
  letter-spacing: -0.025em;
  color: var(--ink);
}

.process-bento-intro {
  margin: 14px 0 0;
  font-size: 1.05rem;
  line-height: 1.6;
  color: var(--muted);
  max-width: 580px;
}

.process-bento-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 24px;
  align-items: stretch;
}

.process-bento-card {
  position: relative;
  display: flex;
  flex-direction: column;
  background: var(--surface);
  border: 1px solid rgba(220, 227, 235, 0.85);
  border-radius: 24px;
  padding: 34px 30px;
  box-shadow: 0 16px 40px -12px rgba(20, 32, 51, 0.07);
  transition: transform 240ms ease, box-shadow 240ms ease, border-color 240ms ease;
}

.process-bento-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 24px 50px -10px rgba(20, 32, 51, 0.11);
  border-color: rgba(30, 64, 175, 0.28);
}

.process-bento-card__top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 22px;
}

.process-bento-card__icon-wrap {
  display: flex;
  align-items: center;
  gap: 12px;
}

.process-bento-card__icon {
  display: grid;
  place-items: center;
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: var(--surface-soft);
  color: var(--primary);
  border: 1px solid rgba(30, 64, 175, 0.12);
  transition: background 200ms ease, color 200ms ease, transform 200ms ease;
}

.process-bento-card:hover .process-bento-card__icon {
  background: var(--primary);
  color: #fff;
  transform: scale(1.05);
}

.process-bento-card__icon svg {
  width: 22px;
  height: 22px;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 2;
}

.process-bento-card__number {
  font-size: 0.92rem;
  font-weight: 800;
  color: var(--muted);
  letter-spacing: 0.04em;
}

.process-bento-card__badge {
  display: inline-flex;
  align-items: center;
  padding: 5px 12px;
  border-radius: 999px;
  background: var(--surface-soft);
  color: var(--primary);
  font-size: 0.76rem;
  font-weight: 800;
  border: 1px solid rgba(30, 64, 175, 0.12);
  white-space: nowrap;
}

.process-bento-card__title {
  margin: 0 0 10px;
  font-size: 1.25rem;
  font-weight: 800;
  line-height: 1.25;
  color: var(--ink);
}

.process-bento-card__text {
  margin: 0;
  font-size: 0.95rem;
  line-height: 1.6;
  color: var(--muted);
  flex: 1 1 auto;
}

@media (max-width: 991px) {
  .process-bento-section {
    padding: 60px 0 48px;
  }

  .process-bento-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .process-bento-card {
    padding: 24px 20px;
    border-radius: 20px;
  }

  .process-bento-heading {
    margin-bottom: 32px;
  }
}

.process-heading {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 0.62fr);
  gap: 34px;
  align-items: end;
  margin-bottom: 36px;
}

.process-heading h2 {
  margin-bottom: 0;
}

.process-heading>p {
  margin: 0;
  color: var(--muted);
  font-size: 1.04rem;
}

.steps-grid,
.credit-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 20px;
}

.credit-card {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
  padding: 26px;
}

.step-card {
  position: relative;
  display: grid;
  align-content: start;
  gap: 16px;
  min-height: 330px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 8px;
  background:
    linear-gradient(180deg,
      rgba(30, 64, 175, 0.04),
      rgba(255, 255, 255, 0) 45%),
    var(--surface);
  padding: 28px;
  box-shadow: 0 18px 48px rgba(22, 34, 51, 0.06);
  transition:
    transform 180ms ease,
    box-shadow 180ms ease,
    border-color 180ms ease;
}

.step-card::before {
  position: absolute;
  top: 56px;
  right: -42px;
  width: 118px;
  height: 118px;
  border-radius: 999px;
  background: rgba(217, 119, 6, 0.11);
  content: "";
}

.step-card:not(:last-child)::after {
  position: absolute;
  top: 54px;
  right: -22px;
  z-index: 2;
  width: 44px;
  height: 2px;
  background: linear-gradient(90deg, var(--primary), var(--accent));
  content: "";
}

.step-card:hover {
  border-color: rgba(30, 64, 175, 0.3);
  box-shadow: 0 24px 64px rgba(22, 34, 51, 0.1);
  transform: translateY(-3px);
}

.step-card__top {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.step-card__icon {
  display: grid;
  width: 58px;
  height: 58px;
  place-items: center;
  border-radius: 8px;
  background: var(--primary);
  color: #fff;
  box-shadow: 0 16px 34px rgba(30, 64, 175, 0.2);
}

.step-card__icon svg {
  width: 30px;
  height: 30px;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.8;
}

.step-card__number {
  display: grid;
  width: 46px;
  height: 46px;
  place-items: center;
  border: 1px solid rgba(30, 64, 175, 0.18);
  border-radius: 999px;
  background: var(--surface-soft);
  color: var(--primary);
  font-size: 0.82rem;
  font-weight: 900;
}

.step-card__label {
  width: fit-content;
  border-radius: 999px;
  background: var(--accent-soft);
  color: #835a0a;
  padding: 6px 11px;
  font-size: 0.74rem;
  font-weight: 900;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.step-card h3,
.credit-card h3 {
  margin: 0 0 10px;
  font-size: 1.22rem;
}

.step-card p,
.credit-card p,
.simulator-copy p,
.faq-item p,
.footer-brand p {
  margin: 0;
  color: var(--muted);
}

.tabs {
  display: grid;
  gap: 20px;
}

.tabs__list {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 8px;
  width: min(760px, 100%);
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #eef3f6;
  padding: 6px;
}

.tabs__button {
  min-height: 48px;
  border: 0;
  border-radius: 6px;
  background: transparent;
  color: var(--muted);
  padding: 0 14px;
  font-weight: 800;
  text-align: center;
}

.tabs__button.is-active {
  background: var(--surface);
  color: var(--primary);
  box-shadow: 0 10px 28px rgba(22, 34, 51, 0.1);
}

.tabs__button:focus-visible {
  outline: 3px solid rgba(30, 64, 175, 0.24);
  outline-offset: 2px;
}

/* ==========================================================================
   EXAMPLES / EXEMPLES REPRÉSENTATIFS (BENTO EXAMPLES SECTION)
   ========================================================================== */
.examples-bento-section {
  padding: 80px 0 72px;
  position: relative;
}

.examples-bento-heading {
  text-align: center;
  max-width: 740px;
  margin: 0 auto 44px;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.examples-kicker-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 14px;
  border-radius: 999px;
  background: var(--surface-soft);
  color: var(--primary);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 14px;
  border: 1px solid rgba(30, 64, 175, 0.14);
}

.examples-bento-title {
  margin: 0;
  font-size: clamp(2rem, 3.5vw, 2.75rem);
  font-weight: 900;
  line-height: 1.15;
  letter-spacing: -0.025em;
  color: var(--ink);
}

.examples-bento-intro {
  margin: 14px 0 28px;
  font-size: 1.05rem;
  line-height: 1.6;
  color: var(--muted);
  max-width: 580px;
}

.examples-tabs-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px;
  border-radius: 999px;
  background: var(--surface-soft);
  border: 1px solid rgba(220, 227, 235, 0.9);
  box-shadow: 0 4px 18px rgba(20, 32, 51, 0.04);
  max-width: 100%;
}

.examples-tab-btn {
  border: 0;
  border-radius: 999px;
  background: transparent;
  color: var(--muted);
  padding: 10px 22px;
  font-size: 0.92rem;
  font-weight: 800;
  cursor: pointer;
  transition: all 200ms cubic-bezier(0.16, 1, 0.3, 1);
  white-space: nowrap;
}

.examples-tab-btn:hover {
  color: var(--ink);
}

.examples-tab-btn.is-active {
  background: #ffffff;
  color: var(--primary);
  box-shadow: 0 8px 20px -4px rgba(30, 64, 175, 0.18);
}

.examples-tab-btn:focus-visible {
  outline: 3px solid rgba(30, 64, 175, 0.24);
  outline-offset: 2px;
}

.examples-panels-wrap {
  width: 100%;
}

.examples-bento-panel {
  display: none;
  grid-template-columns: minmax(320px, 0.88fr) minmax(0, 1.12fr);
  border-radius: 24px;
  background: var(--surface);
  border: 1px solid rgba(220, 227, 235, 0.85);
  box-shadow: 0 18px 48px -12px rgba(20, 32, 51, 0.08);
  overflow: hidden;
  transition: opacity 280ms ease;
}

.examples-bento-panel.is-active {
  display: grid;
}

.examples-bento-visual {
  position: relative;
  overflow: hidden;
  min-height: 440px;
  background: var(--surface-soft);
}

.examples-bento-img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 600ms cubic-bezier(0.16, 1, 0.3, 1);
}

.examples-bento-panel:hover .examples-bento-img {
  transform: scale(1.025);
}

.examples-floating-badge {
  position: absolute;
  top: 20px;
  left: 20px;
  z-index: 2;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 16px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.88);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border: 1px solid rgba(255, 255, 255, 0.9);
  box-shadow: 0 12px 28px -6px rgba(15, 23, 42, 0.16);
  user-select: none;
}

.examples-floating-badge__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #dcfce7;
  color: #15803d;
  font-size: 0.8rem;
  font-weight: 800;
}

.examples-floating-badge__text {
  font-size: 0.82rem;
  font-weight: 800;
  color: var(--ink);
  white-space: nowrap;
}

.examples-bento-card {
  padding: clamp(28px, 4vw, 44px);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 24px;
}

.examples-bento-card__header {
  display: flex;
  flex-direction: column;
}

.examples-bento-card__label {
  display: inline-flex;
  width: fit-content;
  margin-bottom: 8px;
  padding: 4px 11px;
  border-radius: 999px;
  background: var(--surface-soft);
  color: var(--primary);
  font-size: 0.76rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  border: 1px solid rgba(30, 64, 175, 0.12);
}

.examples-bento-card__title {
  margin: 0 0 10px;
  font-size: clamp(1.5rem, 2.2vw, 2rem);
  font-weight: 900;
  line-height: 1.15;
  color: var(--ink);
}

.examples-bento-card__desc {
  margin: 0;
  color: var(--muted);
  font-size: 0.98rem;
  line-height: 1.55;
}

.examples-bento-stats {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin: 0;
}

.example-mini-card {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  padding: 16px 18px;
  border-radius: 16px;
  background: #f8fafc;
  border: 1px solid rgba(220, 227, 235, 0.7);
  transition: background 180ms ease, border-color 180ms ease;
}

.example-mini-card dt {
  font-size: 0.74rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--muted);
}

.example-mini-card dd {
  margin: 0;
  font-size: clamp(1.2rem, 1.8vw, 1.45rem);
  font-weight: 900;
  color: var(--ink);
  line-height: 1.1;
}

.example-mini-card dd span {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--muted);
}

.example-mini-card--highlight {
  grid-column: 1 / 2;
  background: var(--surface-soft);
  border-color: rgba(30, 64, 175, 0.22);
}

.example-mini-card--highlight dt {
  color: var(--primary);
}

.example-mini-card--highlight .example-mini-card__amount {
  color: var(--primary);
  font-size: clamp(1.35rem, 2.2vw, 1.7rem);
}

.example-mini-card--highlight .example-mini-card__unit {
  font-size: 0.82rem;
  font-weight: 800;
  color: var(--primary);
}

.example-mini-card--accent {
  background: #fefce8;
  border-color: rgba(234, 179, 8, 0.3);
}

.example-mini-card--accent dt {
  color: #a16207;
}

.example-mini-card--accent dd {
  color: #854d0e;
}

.example-mini-card--span-2 {
  grid-column: 1 / -1;
}

.examples-bento-action {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: 4px;
}

.examples-bento-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  border-radius: 12px;
  padding: 12px 24px;
  font-weight: 800;
  font-size: 0.95rem;
}

@media (max-width: 991px) {
  .examples-bento-section {
    padding: 60px 0 48px;
  }

  .examples-bento-panel {
    grid-template-columns: 1fr;
    border-radius: 20px;
  }

  .examples-bento-visual {
    min-height: 240px;
    height: 260px;
  }

  .examples-bento-card {
    padding: 24px 20px;
  }

  .examples-tabs-pill {
    overflow-x: auto;
    max-width: 100%;
    border-radius: 16px;
    justify-content: flex-start;
    scrollbar-width: none;
  }

  .examples-tabs-pill::-webkit-scrollbar {
    display: none;
  }
}

@media (max-width: 480px) {
  .examples-bento-stats {
    grid-template-columns: 1fr;
  }

  .example-mini-card--highlight {
    grid-column: auto;
  }

  .example-mini-card--span-2 {
    grid-column: auto;
  }

  .examples-bento-cta {
    width: 100%;
    justify-content: center;
  }
}

.tab-panel {
  display: none;
  grid-template-columns: minmax(280px, 0.78fr) minmax(0, 1fr);
  gap: 0;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
  box-shadow: 0 24px 70px rgba(22, 34, 51, 0.1);
}

.tab-panel.is-active {
  display: grid;
}

.tab-panel[hidden] {
  display: none;
}

.example-visual {
  position: relative;
  min-height: 430px;
  margin: 0;
  background: var(--surface-soft);
}

.example-visual::after {
  position: absolute;
  inset: 0;
  content: "";
  background: linear-gradient(180deg,
      rgba(16, 24, 34, 0),
      rgba(16, 24, 34, 0.18));
}

.example-visual img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.example-card {
  display: grid;
  align-content: center;
  gap: 28px;
  padding: clamp(24px, 4vw, 44px);
}

.example-card__label {
  display: inline-flex;
  width: fit-content;
  margin: 0 0 12px;
  border-radius: 999px;
  background: var(--accent-soft);
  color: #835a0a;
  padding: 7px 12px;
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.example-card h3 {
  margin: 0;
  color: var(--ink);
  font-size: clamp(1.65rem, 2.4vw, 2.35rem);
  line-height: 1.1;
}

.example-card__header p:last-child {
  max-width: 620px;
  margin: 14px 0 0;
  color: var(--muted);
  font-size: 1.02rem;
}

.example-stats {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin: 0;
}

.example-stat {
  display: grid;
  align-content: start;
  gap: 7px;
  min-height: 112px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfcfd;
  padding: 18px;
}

.example-stat--amount,
.example-stat--highlight {
  background: var(--surface-soft);
}

.example-stat--amount {
  grid-column: 1 / -1;
}

.example-stat dt {
  color: var(--primary);
  font-size: 0.76rem;
  font-weight: 900;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.example-stat dd {
  margin: 0;
  color: var(--ink);
  font-size: clamp(1.35rem, 2vw, 1.75rem);
  font-weight: 900;
  line-height: 1.1;
}

.example-stat dd span {
  display: block;
  margin-top: 4px;
  color: var(--muted);
  font-size: 0.9rem;
  font-weight: 800;
}

.example-stat--highlight dd {
  color: var(--primary);
}

.example-disclaimer {
  max-width: 920px;
  margin: 0;
  border-left: 4px solid var(--accent);
  border-radius: 8px;
  background: var(--accent-soft);
  color: #654709;
  padding: 16px 18px;
  font-size: 0.95rem;
  font-weight: 700;
}

.credit-card {
  position: relative;
  display: grid;
  align-content: start;
  gap: 18px;
  min-height: 360px;
  overflow: hidden;
  background: var(--surface);
  transition:
    transform 180ms ease,
    box-shadow 180ms ease,
    border-color 180ms ease;
}

.credit-card::before {
  position: absolute;
  inset: 0 0 auto;
  height: 5px;
  content: "";
  background: linear-gradient(90deg, var(--primary), var(--accent));
}

.credit-card:hover {
  border-color: rgba(30, 64, 175, 0.34);
  box-shadow: 0 22px 58px rgba(22, 34, 51, 0.1);
  transform: translateY(-3px);
}

.credit-card__icon {
  display: grid;
  width: 54px;
  height: 54px;
  place-items: center;
  border-radius: 8px;
  background: var(--surface-soft);
  color: var(--primary);
}

.credit-card__icon svg {
  width: 28px;
  height: 28px;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.8;
}

.credit-card__checks {
  display: grid;
  gap: 10px;
  margin: 0;
  padding: 0;
  color: var(--ink);
  font-size: 0.94rem;
  font-weight: 750;
  list-style: none;
}

.credit-card__checks li {
  position: relative;
  padding-left: 28px;
}

.credit-card__checks li::before {
  position: absolute;
  top: 1px;
  left: 0;
  display: grid;
  width: 18px;
  height: 18px;
  place-items: center;
  border-radius: 999px;
  background: rgba(30, 64, 175, 0.12);
  color: var(--primary);
  content: "✓";
  font-size: 0.74rem;
  font-weight: 900;
}

.credit-card__link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  width: fit-content;
  margin-top: auto;
  color: var(--primary);
  font-weight: 900;
  text-decoration: none;
}

.credit-card__link span {
  transition: transform 180ms ease;
}

.credit-card__link:hover span {
  transform: translateX(4px);
}

/* ==========================================================================
   Section Bento "Types de crédit" (Credits Bento Grid)
   ========================================================================== */

.credits-bento-section {
  padding: 88px 0;
  background-color: #f8fafc;
}

.credits-bento-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 52px;
}

.credits-kicker-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 16px;
  border-radius: 9999px;
  background: var(--surface-soft);
  color: var(--primary);
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 16px;
  border: 1px solid rgba(30, 64, 175, 0.12);
}

.credits-bento-title {
  font-size: clamp(1.85rem, 3.2vw, 2.5rem);
  font-weight: 800;
  letter-spacing: -0.025em;
  line-height: 1.18;
  color: var(--ink);
  margin: 0 0 16px;
}

.credits-bento-intro {
  font-size: 1.0625rem;
  line-height: 1.6;
  color: var(--muted);
  margin: 0;
}

.credits-bento-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  align-items: stretch;
}

.credits-bento-card {
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  background: #ffffff;
  border: 1px solid rgba(226, 232, 240, 0.9);
  border-radius: 24px;
  padding: 32px 28px;
  box-shadow: 0 16px 40px -12px rgba(20, 32, 51, 0.06);
  transition:
    transform 260ms cubic-bezier(0.16, 1, 0.3, 1),
    box-shadow 260ms cubic-bezier(0.16, 1, 0.3, 1),
    border-color 260ms ease;
}

.credits-bento-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 24px 56px -12px rgba(20, 32, 51, 0.12);
  border-color: rgba(30, 64, 175, 0.28);
}

.credits-bento-card__top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 24px;
}

.credits-bento-card__icon {
  display: grid;
  place-items: center;
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: var(--surface-soft);
  color: var(--primary);
  border: 1px solid rgba(30, 64, 175, 0.12);
  transition: all 260ms ease;
  flex-shrink: 0;
}

.credits-bento-card:hover .credits-bento-card__icon {
  background: var(--primary);
  color: #ffffff;
  border-color: var(--primary);
  transform: scale(1.05);
}

.credits-bento-card__icon svg {
  width: 26px;
  height: 26px;
  stroke: currentColor;
  fill: none;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.credits-bento-card__badge {
  display: inline-flex;
  align-items: center;
  padding: 5px 12px;
  border-radius: 9999px;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  background: rgba(241, 245, 249, 0.9);
  color: #475569;
  border: 1px solid rgba(226, 232, 240, 0.85);
  transition: all 240ms ease;
  white-space: nowrap;
}

.credits-bento-card:hover .credits-bento-card__badge {
  background: rgba(30, 64, 175, 0.08);
  color: var(--primary);
  border-color: rgba(30, 64, 175, 0.18);
}

.credits-bento-card__body {
  flex: 1 1 auto;
  display: flex;
  flex-direction: column;
}

.credits-bento-card__title {
  font-size: 1.35rem;
  font-weight: 750;
  color: var(--ink);
  margin: 0 0 10px;
  letter-spacing: -0.015em;
  line-height: 1.25;
}

.credits-bento-card__desc {
  font-size: 0.9375rem;
  line-height: 1.58;
  color: var(--muted);
  margin: 0 0 24px;
}

.credits-bento-card__checks {
  list-style: none;
  padding: 0;
  margin: 0 0 28px;
  display: grid;
  gap: 12px;
  flex: 1 1 auto;
}

.credits-bento-card__checks li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.875rem;
  line-height: 1.45;
  color: #334155;
}

.credits-bento-check-icon {
  display: inline-flex;
  flex-shrink: 0;
  width: 18px;
  height: 18px;
  margin-top: 1px;
  color: var(--primary);
}

.credits-bento-card__action {
  margin-top: auto;
  padding-top: 20px;
  border-top: 1px solid rgba(226, 232, 240, 0.7);
}

.credits-bento-cta {
  display: inline-flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: 12px 18px;
  border-radius: 14px;
  background: #f8fafc;
  color: var(--ink);
  font-weight: 600;
  font-size: 0.9rem;
  text-decoration: none;
  border: 1px solid rgba(226, 232, 240, 0.9);
  transition: all 220ms ease;
}

.credits-bento-cta:hover {
  background: var(--primary);
  color: #ffffff;
  border-color: var(--primary);
  box-shadow: 0 6px 18px -4px rgba(30, 64, 175, 0.35);
}

.credits-bento-cta-arrow {
  width: 16px;
  height: 16px;
  transition: transform 200ms ease;
}

.credits-bento-cta:hover .credits-bento-cta-arrow {
  transform: translateX(4px);
}

@media (max-width: 991px) {
  .credits-bento-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .credits-bento-section {
    padding: 72px 0;
  }
}

@media (max-width: 640px) {
  .credits-bento-grid {
    grid-template-columns: 1fr;
    gap: 18px;
  }

  .credits-bento-card {
    padding: 26px 20px;
    border-radius: 20px;
  }

  .credits-bento-section {
    padding: 56px 0;
  }

  .credits-bento-header {
    margin-bottom: 36px;
  }
}

.simulator-heading {
  max-width: 760px;
  margin-bottom: 34px;
}

.simulator-heading h2 {
  margin-bottom: 14px;
}

.simulator-heading p:last-child {
  margin: 0;
  color: var(--muted);
  font-size: 1.04rem;
}

/* ==========================================================================
   Section Bento "Simulateur de crédit" (Simulator Bento Grid)
   ========================================================================== */

.simulator-bento-section {
  padding: 96px 0;
  background-color: #ffffff;
}

.simulator-bento-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 52px;
}

.simulator-kicker-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 16px;
  border-radius: 9999px;
  background: var(--surface-soft);
  color: var(--primary);
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 16px;
  border: 1px solid rgba(30, 64, 175, 0.12);
}

.simulator-bento-title {
  font-size: clamp(1.85rem, 3.2vw, 2.5rem);
  font-weight: 800;
  letter-spacing: -0.025em;
  line-height: 1.18;
  color: var(--ink);
  margin: 0 0 16px;
}

.simulator-bento-intro {
  font-size: 1.0625rem;
  line-height: 1.6;
  color: var(--muted);
  margin: 0;
}

.simulator {
  border: 1px solid rgba(226, 232, 240, 0.9);
  border-radius: 28px;
  background: #ffffff;
  box-shadow: 0 20px 50px -12px rgba(20, 32, 51, 0.08);
  overflow: hidden;
  transition: box-shadow 260ms ease, border-color 260ms ease;
}

.simulator:hover {
  border-color: rgba(30, 64, 175, 0.22);
  box-shadow: 0 24px 60px -12px rgba(20, 32, 51, 0.12);
}

.simulator-tabs-pill-wrapper {
  display: flex;
  justify-content: center;
  width: 100%;
}

.simulator-tabs-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px;
  border-radius: 9999px;
  background: #f1f5f9;
  border: 1px solid rgba(226, 232, 240, 0.85);
  width: 100%;
  max-width: 480px;
}

.simulator-tab {
  flex: 1 1 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 44px;
  padding: 8px 14px;
  border-radius: 9999px;
  border: 0;
  background: transparent;
  color: #64748b;
  font-size: 0.875rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 220ms ease;
  white-space: nowrap;
}

.simulator-tab:hover {
  color: var(--ink);
}

.simulator-tab.is-active {
  background: #ffffff;
  color: var(--primary);
  font-weight: 700;
  box-shadow: 0 4px 14px -2px rgba(20, 32, 51, 0.08);
}

.simulator-tab:focus-visible {
  outline: 2px solid var(--primary);
  outline-offset: 2px;
}

.sim-tab-icon {
  width: 17px;
  height: 17px;
  stroke: currentColor;
  fill: none;
  flex-shrink: 0;
}

.simulator-body {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(320px, 0.85fr);
  align-items: stretch;
}

.simulator-controls {
  display: flex;
  flex-direction: column;
  gap: 32px;
  padding: clamp(28px, 4vw, 48px);
  background: #ffffff;
}

.range-field {
  display: grid;
  gap: 14px;
}

.range-field__top,
.range-field__limits {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
}

.range-label {
  color: var(--ink);
  font-weight: 750;
  font-size: 0.95rem;
  letter-spacing: -0.01em;
}

.range-value--pill {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 104px;
  padding: 6px 16px;
  border-radius: 9999px;
  background: var(--surface-soft);
  color: var(--primary);
  font-size: 1.05rem;
  font-weight: 800;
  border: 1px solid rgba(30, 64, 175, 0.16);
  box-shadow: 0 2px 6px rgba(30, 64, 175, 0.05);
}

.range-field__limits {
  color: #94a3b8;
  font-size: 0.8125rem;
  font-weight: 600;
}

.range-slider-wrap {
  padding: 4px 0;
}

.range-control {
  width: 100%;
  height: 8px;
  accent-color: var(--primary);
  appearance: none;
  background: transparent;
  cursor: pointer;
}

.range-control::-webkit-slider-runnable-track {
  height: 8px;
  border-radius: 999px;
  background: #e2e8f0;
  transition: background 200ms ease;
}

.range-control:hover::-webkit-slider-runnable-track {
  background: #cbd5e1;
}

.range-control::-webkit-slider-thumb {
  width: 24px;
  height: 24px;
  margin-top: -8px;
  border-radius: 50%;
  background: #ffffff;
  border: 4px solid var(--primary);
  box-shadow: 0 4px 12px rgba(30, 64, 175, 0.35);
  appearance: none;
  transition: transform 180ms ease, box-shadow 180ms ease;
}

.range-control::-webkit-slider-thumb:hover,
.range-control:active::-webkit-slider-thumb {
  transform: scale(1.18);
  box-shadow: 0 0 0 8px rgba(30, 64, 175, 0.15);
}

.range-control::-moz-range-track {
  height: 8px;
  border-radius: 999px;
  background: #e2e8f0;
}

.range-control::-moz-range-thumb {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: #ffffff;
  border: 4px solid var(--primary);
  box-shadow: 0 4px 12px rgba(30, 64, 175, 0.35);
  transition: transform 180ms ease, box-shadow 180ms ease;
}

.simulator-rate-wrap {
  display: flex;
  justify-content: center;
  padding-top: 4px;
}

.simulator-rate-pill {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 10px 20px;
  border-radius: 9999px;
  background: #f8fafc;
  border: 1px solid rgba(226, 232, 240, 0.9);
  font-size: 0.875rem;
  color: #475569;
  box-shadow: 0 2px 6px rgba(20, 32, 51, 0.03);
}

.sim-rate-icon {
  width: 16px;
  height: 16px;
  stroke: var(--primary);
  flex-shrink: 0;
}

.simulator-rate-pill strong {
  color: var(--primary);
  font-weight: 800;
}

.simulator-result-panel--glacier {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 28px;
  background: #eff6ff;
  border-left: 1px solid rgba(219, 234, 254, 0.8);
  padding: clamp(32px, 4vw, 48px);
  text-align: center;
}

.sim-result-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  padding: 24px 20px;
  background: #ffffff;
  border-radius: 20px;
  border: 1px solid rgba(191, 219, 254, 0.6);
  box-shadow: 0 10px 26px -6px rgba(30, 64, 175, 0.07);
}

.sim-result-label {
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: #64748b;
}

.monthly-result {
  display: flex;
  align-items: baseline;
  justify-content: center;
  gap: 6px;
}

.sim-result-amount {
  font-size: clamp(2.5rem, 5vw, 3.6rem);
  font-weight: 850;
  letter-spacing: -0.03em;
  color: var(--primary);
  line-height: 1;
}

.sim-result-freq {
  font-size: 1.1rem;
  font-weight: 600;
  color: #64748b;
}

.sim-breakdown-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  width: 100%;
}

.sim-mini-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  padding: 14px 12px;
  background: #ffffff;
  border-radius: 14px;
  border: 1px solid rgba(219, 234, 254, 0.8);
  box-shadow: 0 4px 12px -2px rgba(20, 32, 51, 0.03);
}

.sim-mini-card output {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  width: 100%;
}

.sim-mini-card__label {
  font-size: 0.75rem;
  font-weight: 600;
  color: #64748b;
}

.sim-mini-card__val {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--ink);
}

.sim-action-wrap {
  width: 100%;
}

.simulator-cta--bento {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  width: 100%;
  padding: 16px 24px;
  border-radius: 16px;
  background: var(--primary);
  color: #ffffff !important;
  font-size: 1rem;
  font-weight: 700;
  text-decoration: none;
  border: 0;
  box-shadow: 0 10px 24px -4px rgba(30, 64, 175, 0.35);
  transition: all 220ms ease;
  cursor: pointer;
}

.simulator-cta--bento:hover {
  background: var(--primary-dark);
  color: #ffffff !important;
  transform: translateY(-2px);
  box-shadow: 0 14px 28px -4px rgba(30, 64, 175, 0.45);
}

.sim-cta-arrow {
  width: 18px;
  height: 18px;
  transition: transform 200ms ease;
}

.simulator-cta--bento:hover .sim-cta-arrow {
  transform: translateX(4px);
}

.simulator-disclaimer {
  max-width: 320px;
  margin: 0 auto;
  color: #64748b;
  font-size: 0.8125rem;
  line-height: 1.5;
}

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

  .simulator-result-panel--glacier {
    border-left: 0;
    border-top: 1px solid rgba(219, 234, 254, 0.8);
  }

  .simulator-bento-section {
    padding: 72px 0;
  }
}

@media (max-width: 640px) {
  .simulator-bento-box {
    border-radius: 20px;
  }

  .simulator-controls {
    padding: 24px 18px;
    gap: 24px;
  }

  .simulator-tabs-pill {
    max-width: 100%;
    gap: 4px;
    padding: 4px;
  }

  .simulator-tab {
    padding: 8px 10px;
    font-size: 0.8125rem;
  }

  .simulator-result-panel--glacier {
    padding: 24px 18px;
    gap: 20px;
  }

  .sim-breakdown-grid {
    grid-template-columns: 1fr;
  }

  .simulator-bento-section {
    padding: 56px 0;
  }

  .simulator-bento-header {
    margin-bottom: 36px;
  }
}

@media (max-width: 520px) {
  .simulator-bento-title {
    font-size: clamp(1.45rem, 5.5vw, 1.85rem);
    margin-bottom: 12px;
  }

  .simulator-bento-intro {
    font-size: 0.95rem;
  }

  /* Pile verticale des onglets pour éviter toute compression ou troncature du texte */
  .simulator-tabs-pill {
    display: flex;
    flex-direction: column;
    border-radius: 16px;
    gap: 6px;
    padding: 6px;
    max-width: 100%;
  }

  .simulator-tab {
    width: 100%;
    min-height: 42px;
    border-radius: 12px;
    justify-content: center;
    font-size: 0.84rem;
    padding: 8px 12px;
  }

  /* Range top flex row avec badge pilule compact */
  .range-field__top {
    display: flex !important;
    flex-direction: row !important;
    align-items: center !important;
    justify-content: space-between !important;
    gap: 8px;
  }

  .range-label {
    font-size: 0.88rem;
  }

  .range-value--pill {
    min-width: auto;
    padding: 5px 12px;
    font-size: 0.95rem;
    width: auto !important;
  }

  /* Badge de taux responsive sans débordement horizontal */
  .simulator-rate-pill {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    text-align: center;
    width: 100%;
    border-radius: 14px;
    padding: 8px 12px;
    font-size: 0.8rem;
    line-height: 1.4;
    gap: 6px;
  }

  .sim-result-card {
    padding: 20px 14px;
  }

  .monthly-result {
    gap: 4px;
  }

  .sim-result-amount {
    font-size: clamp(2.1rem, 9vw, 2.75rem);
  }

  .simulator-cta--bento {
    min-height: 50px;
    padding: 13px 18px;
    font-size: 0.92rem;
    border-radius: 14px;
  }
}

/* Optimisation extrême 320px à 380px (iPhone SE, petits écrans) */
@media (max-width: 380px) {
  .simulator-bento-section {
    padding: 44px 0;
  }

  .simulator-bento-box {
    border-radius: 16px;
  }

  .simulator-controls {
    padding: 18px 12px;
    gap: 18px;
  }

  .simulator-result-panel--glacier {
    padding: 18px 12px;
    gap: 16px;
  }

  .sim-result-card {
    padding: 16px 10px;
    border-radius: 14px;
  }

  .sim-result-amount {
    font-size: 1.95rem;
  }

  .sim-mini-card {
    padding: 12px 10px;
    border-radius: 12px;
  }

  .sim-mini-card__label {
    font-size: 0.72rem;
  }

  .sim-mini-card__val {
    font-size: 0.95rem;
  }

  .simulator-cta--bento {
    font-size: 0.86rem;
    padding: 12px 12px;
    gap: 6px;
  }

  .simulator-disclaimer {
    font-size: 0.74rem;
    line-height: 1.4;
  }
}

.eligibility-layout {
  display: grid;
  grid-template-columns: minmax(260px, 0.68fr) minmax(0, 1.32fr);
  gap: 34px;
  align-items: start;
}

.eligibility-copy {
  position: sticky;
  top: 104px;
}

.eligibility-copy h2 {
  margin-bottom: 18px;
}

.eligibility-copy>p {
  margin: 0;
  color: var(--muted);
  font-size: 1.04rem;
}

.eligibility-note {
  margin-top: 24px;
  border-left: 4px solid var(--accent);
  border-radius: 8px;
  background: var(--accent-soft);
  color: #654709;
  padding: 16px 18px;
  font-weight: 800;
}

.eligibility-form {
  display: grid;
  gap: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
  padding: clamp(22px, 4vw, 34px);
  box-shadow: 0 24px 70px rgba(22, 34, 51, 0.1);
}

.form-section {
  display: grid;
  gap: 18px;
  min-width: 0;
  margin: 0;
  border: 0;
  padding: 0;
}

.form-section+.form-section {
  border-top: 1px solid var(--line);
  padding-top: 22px;
}

.form-section legend {
  margin-bottom: 2px;
  color: var(--ink);
  font-size: 1.15rem;
  font-weight: 900;
}

.consent-field {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfcfd;
  padding: 16px;
  color: var(--ink);
  font-size: 0.94rem;
  font-weight: 800;
}

.consent-field input {
  width: 18px;
  height: 18px;
  margin-top: 2px;
  accent-color: var(--primary);
}

.form-confidence,
.form-disclaimer {
  margin: 0;
  color: var(--muted);
  font-size: 0.92rem;
}

.form-confidence {
  border-radius: 8px;
  background: var(--surface-soft);
  padding: 14px 16px;
  font-weight: 800;
}

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

/* ==========================================================================
   FAQ SECTION (BENTO REDESIGN)
   ========================================================================== */
.faq-section {
  padding: clamp(52px, 6vw, 88px) 0;
  background-color: var(--surface);
}

.faq-layout,
.faq-bento-layout {
  display: grid;
  grid-template-columns: minmax(280px, 0.75fr) minmax(0, 1.25fr);
  gap: clamp(32px, 5vw, 64px);
  align-items: start;
}

.faq-intro,
.faq-bento-intro {
  position: sticky;
  top: 104px;
}

.faq-kicker-pill {
  display: inline-flex;
  align-items: center;
  padding: 6px 14px;
  border-radius: 9999px;
  background-color: var(--surface-soft, #eff6ff);
  color: var(--primary, #1e40af);
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 14px;
  border: 1px solid rgba(30, 64, 175, 0.12);
}

.faq-bento-title {
  margin: 0 0 14px;
  color: var(--ink, #0f172a);
  font-size: clamp(1.8rem, 2.5vw, 2.4rem);
  font-weight: 800;
  line-height: 1.18;
  letter-spacing: -0.02em;
}

.faq-bento-desc {
  margin: 0 0 28px;
  color: var(--muted, #64748b);
  font-size: 1.02rem;
  line-height: 1.55;
}

/* Mini-carte d'assistance Bento */
.faq-support-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  padding: 22px 20px;
  border-radius: 18px;
  background: linear-gradient(135deg, rgba(239, 246, 255, 0.7) 0%, rgba(248, 250, 252, 0.9) 100%);
  border: 1px solid rgba(226, 232, 240, 0.95);
  box-shadow: 0 10px 28px -6px rgba(20, 32, 51, 0.05);
}

.faq-support-icon {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: var(--surface-soft, #eff6ff);
  color: var(--primary, #1e40af);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 12px;
  border: 1px solid rgba(30, 64, 175, 0.15);
}

.faq-support-icon svg {
  width: 18px;
  height: 18px;
}

.faq-support-title {
  margin: 0 0 6px;
  font-size: 1.02rem;
  font-weight: 800;
  color: var(--ink, #0f172a);
  line-height: 1.3;
}

.faq-support-desc {
  margin: 0 0 16px;
  font-size: 0.86rem;
  color: var(--muted, #64748b);
  line-height: 1.5;
}

.faq-support-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  width: auto;
  align-self: flex-start;
  min-height: 38px;
  padding: 8px 18px;
  border-radius: 9999px;
  font-size: 0.82rem;
  font-weight: 700;
  background: var(--primary, #1e40af);
  color: #ffffff;
  text-decoration: none;
  border: 0;
  box-shadow: 0 4px 12px -2px rgba(30, 64, 175, 0.28);
  transition: all 0.2s ease;
  cursor: pointer;
}

.faq-support-btn:hover {
  background: var(--primary-dark, #1e3a8a);
  color: #ffffff;
  transform: translateY(-2px);
  box-shadow: 0 6px 16px -2px rgba(30, 64, 175, 0.38);
}

.faq-support-btn svg {
  width: 14px;
  height: 14px;
  transition: transform 0.2s ease;
}

.faq-support-btn:hover svg {
  transform: translateX(3px);
}

/* Grille d'accordéons Bento en 1 colonne large */
.faq-list,
.faq-bento-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.faq-item,
.faq-bento-item {
  border: 1px solid rgba(226, 232, 240, 0.95);
  border-radius: 18px;
  background: #ffffff;
  box-shadow: 0 8px 24px -4px rgba(20, 32, 51, 0.04);
  overflow: hidden;
  transition: border-color 0.2s ease, box-shadow 0.2s ease, transform 0.2s ease;
}

.faq-item:hover,
.faq-bento-item:hover {
  border-color: rgba(30, 64, 175, 0.2);
  box-shadow: 0 12px 32px -4px rgba(20, 32, 51, 0.07);
}

.faq-item[open],
.faq-bento-item[open] {
  border-color: rgba(30, 64, 175, 0.28);
  box-shadow: 0 14px 36px -4px rgba(30, 64, 175, 0.08);
}

.faq-bento-summary {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  color: var(--ink, #0f172a);
  font-size: 1.02rem;
  font-weight: 700;
  cursor: pointer;
  list-style: none;
  user-select: none;
}

.faq-bento-summary::-webkit-details-marker,
.faq-bento-summary::marker {
  display: none;
}

.faq-bento-summary::after {
  display: none !important;
}

.faq-bento-question {
  flex: 1;
  line-height: 1.4;
  letter-spacing: -0.01em;
}

.faq-bento-icon-wrapper {
  width: 34px;
  height: 34px;
  border-radius: 9999px;
  background: var(--surface-soft, #eff6ff);
  color: var(--primary, #1e40af);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background-color 0.25s ease, color 0.25s ease;
}

.faq-chevron {
  width: 18px;
  height: 18px;
  transition: transform 0.25s ease;
}

.faq-bento-item[open] .faq-bento-icon-wrapper {
  background: var(--primary, #1e40af);
  color: #ffffff;
}

.faq-bento-item[open] .faq-chevron {
  transform: rotate(180deg);
}

.faq-bento-content {
  padding: 0 24px 22px;
  animation: faqFadeIn 0.25s ease-out;
}

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

.faq-bento-content p {
  margin: 0;
  color: var(--muted, #64748b);
  font-size: 0.98rem;
  line-height: 1.6;
}

@media (max-width: 991px) {
  .faq-bento-layout {
    grid-template-columns: 1fr;
    gap: 36px;
  }

  .faq-bento-intro {
    position: static;
  }
}

@media (max-width: 768px) {
  .faq-bento-summary {
    padding: 16px 18px;
    font-size: 0.95rem;
  }

  .faq-bento-content {
    padding: 0 18px 18px;
  }

  .faq-support-card {
    padding: 20px 16px;
  }
}

/* ==========================================================================
   REVIEWS & TESTIMONIALS SECTION (BENTO REDESIGN)
   ========================================================================== */
.reviews-section {
  padding: clamp(52px, 6vw, 88px) 0;
  background-color: #f8fafc;
}

.reviews-heading,
.reviews-bento-heading {
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(280px, 0.65fr);
  gap: clamp(24px, 4vw, 48px);
  align-items: center;
  margin-bottom: clamp(32px, 4vw, 48px);
}

.reviews-kicker-pill {
  display: inline-flex;
  align-items: center;
  padding: 6px 14px;
  border-radius: 9999px;
  background-color: var(--surface-soft, #eff6ff);
  color: var(--primary, #1e40af);
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 14px;
  border: 1px solid rgba(30, 64, 175, 0.12);
}

.reviews-bento-title {
  margin: 0 0 14px;
  color: var(--ink, #0f172a);
  font-size: clamp(1.8rem, 2.5vw, 2.4rem);
  font-weight: 800;
  line-height: 1.18;
  letter-spacing: -0.02em;
}

.reviews-bento-desc {
  margin: 0;
  color: var(--muted, #64748b);
  font-size: 1.02rem;
  line-height: 1.55;
  max-width: 620px;
}

/* Cartouche Score de Confiance */
.reviews-trust-badge {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 16px 20px;
  border-radius: 20px;
  background: #ffffff;
  border: 1px solid rgba(226, 232, 240, 0.95);
  box-shadow: 0 10px 28px -6px rgba(20, 32, 51, 0.05);
  justify-self: end;
}

.reviews-trust-stars {
  display: flex;
  gap: 3px;
  color: var(--accent, #d97706);
}

.reviews-trust-stars .star-icon {
  width: 20px;
  height: 20px;
}

.reviews-trust-info {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.reviews-trust-score {
  font-size: 1.25rem;
  font-weight: 900;
  color: var(--ink, #0f172a);
  line-height: 1.1;
}

.reviews-trust-label {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 0.78rem;
  font-weight: 700;
  color: #16a34a;
}

/* Grille Bento de Témoignages */
.testimonial-grid,
.reviews-bento-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 20px;
}

.testimonial-card,
.reviews-bento-card {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 18px;
  border: 1px solid rgba(226, 232, 240, 0.95);
  border-radius: 20px;
  background: #ffffff;
  padding: 24px;
  box-shadow: 0 10px 28px -4px rgba(20, 32, 51, 0.04);
  transition: all 0.25s ease;
  overflow: hidden;
}

.testimonial-card::after,
.reviews-bento-card::after {
  position: absolute;
  right: 20px;
  bottom: 8px;
  color: rgba(30, 64, 175, 0.05);
  content: "”";
  font-family: Georgia, serif;
  font-size: 5.5rem;
  line-height: 1;
  pointer-events: none;
  user-select: none;
}

.testimonial-card:hover,
.reviews-bento-card:hover {
  border-color: rgba(30, 64, 175, 0.25);
  box-shadow: 0 18px 45px -6px rgba(20, 32, 51, 0.09);
  transform: translateY(-3px);
}

.testimonial-card--featured,
.reviews-bento-card--featured {
  background: linear-gradient(135deg, rgba(239, 246, 255, 0.45) 0%, #ffffff 100%);
  border-color: rgba(30, 64, 175, 0.2);
}

.reviews-card-top {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  position: relative;
  z-index: 1;
}

.reviews-card-avatar {
  display: grid;
  place-items: center;
  width: 44px;
  height: 44px;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--primary, #1e40af) 0%, var(--primary-dark, #1e3a8a) 100%);
  color: #ffffff;
  font-size: 0.82rem;
  font-weight: 800;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(30, 64, 175, 0.2);
}

.reviews-card-author {
  display: flex;
  flex-direction: column;
  gap: 3px;
  flex: 1;
}

.reviews-card-name-row {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}

.reviews-card-author h3 {
  margin: 0;
  font-size: 1.02rem;
  font-weight: 800;
  color: var(--ink, #0f172a);
}

.reviews-verified-pill {
  display: inline-flex;
  align-items: center;
  gap: 3px;
  padding: 2px 7px;
  border-radius: 9999px;
  background-color: #dcfce7;
  color: #15803d;
  font-size: 0.7rem;
  font-weight: 700;
}

.reviews-card-stars {
  display: flex;
  gap: 2px;
  color: var(--accent, #d97706);
}

.reviews-project-badge {
  display: inline-flex;
  align-items: center;
  padding: 4px 10px;
  border-radius: 8px;
  background: #f1f5f9;
  color: var(--muted, #475569);
  font-size: 0.72rem;
  font-weight: 700;
  white-space: nowrap;
  border: 1px solid rgba(226, 232, 240, 0.8);
}

.reviews-card-body {
  position: relative;
  z-index: 1;
}

.reviews-card-body p {
  margin: 0;
  color: var(--muted, #475569);
  font-size: 0.95rem;
  line-height: 1.6;
}

/* Contrôles Mobile */
.testimonial-controls,
.reviews-bento-controls {
  display: none;
  align-items: center;
  justify-content: center;
  gap: 14px;
  margin-top: 26px;
}

.testimonial-control,
.reviews-control-btn {
  display: grid;
  place-items: center;
  width: 44px;
  height: 44px;
  border: 1px solid rgba(226, 232, 240, 0.95);
  border-radius: 14px;
  background: #ffffff;
  color: var(--primary, #1e40af);
  box-shadow: 0 4px 14px rgba(20, 32, 51, 0.05);
  cursor: pointer;
  transition: all 0.2s ease;
}

.testimonial-control:hover,
.reviews-control-btn:hover {
  background: var(--surface-soft, #eff6ff);
  border-color: rgba(30, 64, 175, 0.25);
  transform: translateY(-2px);
}

.testimonial-counter,
.reviews-counter-pill {
  min-width: 72px;
  padding: 6px 14px;
  border-radius: 9999px;
  background: #ffffff;
  border: 1px solid rgba(226, 232, 240, 0.95);
  color: var(--ink, #0f172a);
  font-size: 0.84rem;
  font-weight: 800;
  text-align: center;
  box-shadow: 0 4px 14px rgba(20, 32, 51, 0.04);
}

@media (max-width: 991px) {
  .reviews-bento-heading {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .reviews-trust-badge {
    justify-self: start;
  }

  .reviews-bento-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 768px) {
  .testimonial-grid,
  .reviews-bento-grid {
    display: block;
  }

  .testimonial-card,
  .reviews-bento-card {
    display: none;
    min-height: auto;
    padding: 20px 18px;
  }

  .testimonial-card.is-active,
  .reviews-bento-card.is-active {
    display: flex;
  }

  .testimonial-controls,
  .reviews-bento-controls {
    display: flex;
  }
}

.site-footer {
  background:
    linear-gradient(135deg, rgba(30, 64, 175, 0.12), rgba(217, 119, 6, 0.06)),
    #101822;
  color: #fff;
}

.footer-main {
  display: grid;
  grid-template-columns: minmax(280px, 0.9fr) minmax(0, 1.5fr);
  gap: 46px;
  padding: 64px 0 44px;
}

.brand--footer {
  color: #fff;
}

.footer-brand p {
  max-width: 430px;
  margin-top: 18px;
  color: rgba(255, 255, 255, 0.72);
}

.social-links {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 26px;
}

.social-links a {
  display: grid;
  width: 44px;
  height: 44px;
  place-items: center;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.06);
  color: rgba(255, 255, 255, 0.82);
  text-decoration: none;
  transition:
    background 180ms ease,
    border-color 180ms ease,
    color 180ms ease;
}

.social-links a:hover {
  border-color: rgba(255, 255, 255, 0.28);
  background: rgba(255, 255, 255, 0.1);
  color: #fff;
}

.social-links svg {
  width: 20px;
  height: 20px;
}

.footer-columns {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 28px;
}

.footer-links,
.footer-contact {
  display: grid;
  align-content: start;
  gap: 12px;
}

.footer-links h2,
.footer-contact h2 {
  margin: 0 0 10px;
  color: #fff;
  font-size: 1rem;
}

.footer-links a,
.footer-contact a,
.footer-contact span {
  color: rgba(255, 255, 255, 0.68);
  font-style: normal;
  text-decoration: none;
}

.footer-links a:hover,
.footer-contact a:hover {
  color: #fff;
}

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding: 20px 0;
}

.footer-bottom p {
  margin: 0;
  color: rgba(255, 255, 255, 0.62);
  font-size: 0.92rem;
}

@media (max-width: 920px) {
  .nav-toggle {
    display: block;
  }

  .main-menu {
    position: absolute;
    top: 76px;
    right: 16px;
    left: 16px;
    display: none;
    align-items: stretch;
    border: 1px solid var(--line);
    border-radius: 8px;
    background: #fff;
    padding: 16px;
    box-shadow: var(--shadow);
  }

  .main-menu.is-open {
    display: grid;
  }

  .main-menu .main-menu__link {
    color: var(--muted);
  }

  .main-menu .main-menu__link:hover {
    color: var(--primary);
  }

  .main-menu .language-switcher__button {
    width: 100%;
    justify-content: space-between;
    border-color: var(--line);
    background: #fff;
    color: var(--ink);
  }

  .main-menu .language-switcher__menu {
    position: static;
    margin-top: 8px;
    box-shadow: none;
  }

  .hero-section {
    padding-top: 116px;
  }

  .hero-section__inner,
  .tab-panel,
  .simulator-body,
  .eligibility-layout,
  .faq-layout,
  .legal-layout,
  .contact-layout,
  .process-heading,
  .reviews-heading,
  .footer-main,
  .footer-columns {
    grid-template-columns: 1fr;
  }

  .hero-section__inner {
    gap: 28px;
  }

  .steps-grid,
  .credit-grid {
    grid-template-columns: 1fr;
  }

  .step-card {
    min-height: auto;
  }

  .step-card:not(:last-child)::after {
    top: auto;
    right: auto;
    bottom: -11px;
    left: 56px;
    width: 2px;
    height: 22px;
  }

  .tabs__list {
    width: 100%;
  }

  .example-visual {
    min-height: 280px;
  }

  .faq-intro {
    position: static;
  }

  .eligibility-copy {
    position: static;
  }

  .legal-summary {
    position: static;
  }

  .contact-panel {
    position: static;
  }

  .static-hero__inner {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 620px) {
  .main-nav {
    min-height: 68px;
  }

  .main-menu {
    top: 68px;
  }

  .hero-section {
    min-height: auto;
    padding: 90px 0 36px;
  }

  .static-hero {
    padding: 116px 0 56px;
  }

  .static-hero h1 {
    font-size: clamp(2rem, 7.5vw, 2.45rem);
  }

  .hero-content h1 {
    font-size: clamp(2rem, 7.5vw, 2.45rem);
  }

  .hero-actions {
    display: none;
  }

  .trust-list {
    display: none !important;
  }

  .hero-card {
    padding: 20px;
  }

  .testimonial-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .section {
    padding: 66px 0;
  }

  .testimonial-grid {
    display: block;
  }

  .testimonial-card {
    display: none;
    min-height: 300px;
  }

  .testimonial-card.is-active {
    display: grid;
  }

  .testimonial-controls {
    display: flex;
  }

  .footer-bottom {
    align-items: flex-start;
    flex-direction: column;
  }

  .tabs__list,
  .example-stats,
  .faq-list,
  .form-grid--two {
    grid-template-columns: 1fr;
  }

  .range-field__top {
    display: flex;
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
    gap: 10px;
  }

  .range-value {
    width: auto;
  }

  .tabs__button {
    justify-content: center;
    min-height: 44px;
  }

  .example-stat {
    min-height: auto;
  }

  .result-breakdown output {
    flex-direction: column;
    gap: 6px;
  }
}

/* Sticky CTA Mobile */
.sticky-cta {
  position: fixed;
  bottom: 0;
  right: 0;
  left: 0;
  z-index: 50;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  background: rgba(20, 32, 51, 0.9);
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  box-shadow: 0 -8px 30px rgba(0, 0, 0, 0.25);
  padding: 12px 16px calc(12px + env(safe-area-inset-bottom, 0px));
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  transform: translateY(100%);
  transition: transform 300ms cubic-bezier(0.16, 1, 0.3, 1);
}

.sticky-cta.is-visible {
  transform: translateY(0);
}

.sticky-cta__info {
  display: flex;
  flex-direction: column;
  gap: 2px;
  min-width: 0;
}

.sticky-cta__title {
  color: #fff;
  font-size: 0.88rem;
  font-weight: 800;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

.sticky-cta__desc {
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.74rem;
  font-weight: 600;
}

.sticky-cta__btn {
  flex-shrink: 0;
  min-height: 40px !important;
  padding: 0 16px !important;
  font-size: 0.86rem !important;
  background: var(--primary) !important;
  color: #fff !important;
  box-shadow: 0 4px 12px rgba(30, 64, 175, 0.3);
  animation: sticky-pulse 2s infinite ease-in-out;
}

.sticky-cta__btn:hover {
  background: var(--primary-dark) !important;
}

@keyframes sticky-pulse {

  0%,
  100% {
    box-shadow: 0 4px 12px rgba(30, 64, 175, 0.3);
  }

  50% {
    box-shadow: 0 4px 20px rgba(30, 64, 175, 0.6);
  }
}

/* Hide on desktop and tablet */
@media (min-width: 769px) {
  .sticky-cta {
    display: none !important;
  }
}

/* Éléments masqués sur mobile pour aérer l'interface et réduire la friction */
@media (max-width: 768px) {
  .trust-list,
  .steps-progress-labels,
  .bottom-cta-subtext {
    display: none !important;
  }
}

/* ==========================================================================
   Form Submitting State, Email Typo Hints & Thanks Page Enhancements
   ========================================================================== */

@keyframes spin {
  from {
    transform: rotate(0deg);
  }

  to {
    transform: rotate(360deg);
  }
}

.btn.is-submitting {
  pointer-events: none !important;
  opacity: 0.88 !important;
  cursor: wait !important;
  display: inline-flex !important;
  align-items: center !important;
  justify-content: center !important;
}

.btn-spinner-icon {
  animation: spin 0.8s linear infinite;
  display: inline-block;
  vertical-align: middle;
  flex-shrink: 0;
}

.email-suggestion-tip {
  display: none;
  align-items: center;
  gap: 6px;
  margin-top: 6px;
  padding: 6px 12px;
  background: #f0fdf4;
  border: 1px solid #bbf7d0;
  border-radius: 6px;
  color: #166534;
  font-size: 0.82rem;
  cursor: pointer;
  text-align: left;
  transition: background 150ms ease, border-color 150ms ease;
}

.email-suggestion-tip:hover {
  background: #dcfce7;
  border-color: #86efac;
}

.email-suggestion-tip strong {
  font-weight: 700;
  text-decoration: underline;
}

.email-suggestion-tip span {
  opacity: 0.8;
  font-size: 0.78rem;
}

/* ==========================================================================
   Thanks Page - Modern FinTech Confirmation Experience
   ========================================================================== */

.thanks-page {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  min-height: 100vh;
  background:
    radial-gradient(ellipse at 50% 8%, rgba(30, 64, 175, 0.12), transparent 50%),
    radial-gradient(ellipse at 85% 75%, rgba(217, 119, 6, 0.08), transparent 45%),
    var(--bg);
  padding: clamp(36px, 6vw, 64px) 20px;
  box-sizing: border-box;
}

@media (max-width: 768px) {
  .thanks-page {
    padding: 24px 14px 40px !important;
  }
}

.thanks-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  width: min(760px, 100%);
  border: 1px solid rgba(220, 227, 235, 0.9);
  border-radius: 24px;
  background: #ffffff;
  padding: clamp(28px, 6vw, 52px);
  text-align: center;
  box-shadow: 0 20px 60px -15px rgba(20, 32, 51, 0.08), 0 0 0 1px rgba(30, 64, 175, 0.04);
  box-sizing: border-box;
  animation: thanksFadeIn 0.45s ease-out;
}

.thanks-brand {
  margin-bottom: 24px;
}

.thanks-brand .brand {
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 10px;
}

.thanks-brand .brand__mark {
  background: var(--primary);
  color: #ffffff;
  font-weight: 800;
  font-size: 0.95rem;
  padding: 6px 10px;
  border-radius: 8px;
  letter-spacing: -0.02em;
}

.thanks-brand .brand__text {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--ink);
  letter-spacing: -0.02em;
}

@keyframes thanksFadeIn {
  from {
    opacity: 0;
    transform: translateY(14px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* Badge & Animated Checkmark Icon */
.thanks-badge-wrapper {
  position: relative;
  width: 76px;
  height: 76px;
  margin-bottom: 16px;
  display: grid;
  place-items: center;
}

.thanks-badge-pulse {
  position: absolute;
  inset: -6px;
  border-radius: 9999px;
  background: rgba(30, 64, 175, 0.14);
  animation: thanksPulse 2.4s ease-out infinite;
}

@keyframes thanksPulse {
  0% {
    transform: scale(0.92);
    opacity: 0.8;
  }

  50% {
    transform: scale(1.08);
    opacity: 0.3;
  }

  100% {
    transform: scale(0.92);
    opacity: 0.8;
  }
}

.thanks-badge-icon {
  position: relative;
  width: 70px;
  height: 70px;
  border-radius: 9999px;
  background: linear-gradient(135deg, var(--primary), #16a34a);
  color: #ffffff;
  display: grid;
  place-items: center;
  box-shadow: 0 10px 24px -4px rgba(30, 64, 175, 0.35);
}

/* Security pill */
.thanks-status-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: #ecfdf5;
  border: 1px solid #a7f3d0;
  color: #047857;
  font-size: 0.74rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.6px;
  padding: 5px 14px;
  border-radius: 9999px;
  margin-bottom: 12px;
}

.thanks-card h1 {
  margin: 0 0 10px;
  font-size: clamp(1.8rem, 3.5vw, 2.4rem);
  font-weight: 800;
  color: var(--ink);
  line-height: 1.18;
  letter-spacing: -0.02em;
}

.thanks-subtitle {
  font-size: clamp(0.92rem, 1.8vw, 1.02rem);
  color: var(--muted);
  line-height: 1.55;
  max-width: 560px;
  margin: 0 0 24px;
}

/* Dossier Summary / Recap Card */
.thanks-recap-card {
  width: 100%;
  background: #f8fafc;
  border: 1px solid #e2e8f0;
  border-radius: 14px;
  padding: 18px 20px;
  margin-bottom: 24px;
  box-sizing: border-box;
  text-align: left;
}

.thanks-recap-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
  padding-bottom: 12px;
  margin-bottom: 14px;
  border-bottom: 1px solid #e2e8f0;
}

.thanks-recap-title {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.84rem;
  font-weight: 700;
  color: var(--ink);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.thanks-live-status {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.8rem;
  font-weight: 700;
  color: #047857;
  background: #ecfdf5;
  padding: 3px 11px;
  border-radius: 9999px;
  border: 1px solid #a7f3d0;
}

.thanks-status-dot {
  width: 7px;
  height: 7px;
  border-radius: 9999px;
  background: #10b981;
  box-shadow: 0 0 0 2px rgba(16, 185, 129, 0.25);
  animation: thanksDotPulse 1.8s infinite;
}

@keyframes thanksDotPulse {
  0% {
    transform: scale(0.9);
    opacity: 0.8;
  }

  50% {
    transform: scale(1.2);
    opacity: 1;
  }

  100% {
    transform: scale(0.9);
    opacity: 0.8;
  }
}

/* Fintech Hero Dossier Badge (Solution 1) */
.thanks-dossier-hero {
  background: linear-gradient(135deg, rgba(30, 64, 175, 0.05) 0%, rgba(20, 184, 166, 0.09) 100%);
  border: 1.5px solid rgba(30, 64, 175, 0.22);
  border-radius: 12px;
  padding: 16px 20px;
  margin-bottom: 16px;
  box-shadow: 0 2px 8px rgba(30, 64, 175, 0.04);
}

.thanks-dossier-hero__content {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.thanks-dossier-hero__kicker {
  font-size: 0.74rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--primary, #1e40af);
}

.thanks-dossier-hero__row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}

.thanks-dossier-hero__code {
  font-family: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;
  font-size: clamp(1.4rem, 3.2vw, 1.85rem);
  font-weight: 800;
  letter-spacing: 0.07em;
  color: var(--ink, #0f172a);
  background: #ffffff;
  padding: 6px 14px;
  border-radius: 8px;
  border: 1px solid rgba(30, 64, 175, 0.25);
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.05);
  user-select: all;
  display: inline-block;
  line-height: 1.2;
}

.btn-copy-dossier {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: #ffffff;
  border: 1.5px solid #cbd5e1;
  color: #334155;
  font-size: 0.82rem;
  font-weight: 600;
  padding: 8px 14px;
  border-radius: 8px;
  cursor: pointer;
  transition: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.04);
}

.btn-copy-dossier:hover {
  background: #f8fafc;
  border-color: var(--primary, #1e40af);
  color: var(--primary, #1e40af);
  transform: translateY(-1px);
  box-shadow: 0 3px 6px rgba(0, 0, 0, 0.06);
}

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

.btn-copy-dossier.is-copied {
  background: #ecfdf5 !important;
  border-color: #10b981 !important;
  color: #047857 !important;
}

.btn-copy-dossier.is-copied .copy-icon--idle {
  display: none !important;
}

.btn-copy-dossier.is-copied .copy-icon--success {
  display: inline-block !important;
  color: #047857;
}

.thanks-dossier-hero__action {
  margin-top: 16px;
  padding-top: 16px;
  border-top: 1px dashed rgba(30, 64, 175, 0.22);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  width: 100%;
}

.btn-direct-email {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 10px;
  background: linear-gradient(135deg, var(--primary, #1e40af) 0%, #172554 100%);
  color: #ffffff !important;
  text-decoration: none !important;
  padding: 16px 20px;
  border-radius: 14px;
  width: 100%;
  box-sizing: border-box;
  box-shadow: 0 6px 18px rgba(30, 64, 175, 0.26), 0 1px 3px rgba(0, 0, 0, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.18);
  cursor: pointer;
  transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  position: relative;
  overflow: hidden;
}

.btn-direct-email::before {
  content: '';
  position: absolute;
  top: 0;
  left: -100%;
  width: 50%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.18), transparent);
  transform: skewX(-20deg);
  transition: left 0.75s ease;
}

.btn-direct-email:hover::before {
  left: 140%;
}

.btn-direct-email:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 28px rgba(30, 64, 175, 0.38);
  background: linear-gradient(135deg, #11816b 0%, #085646 100%);
  color: #ffffff !important;
}

.btn-direct-email:active {
  transform: translateY(0) scale(0.99);
}

.btn-direct-email__icon {
  width: 44px;
  height: 44px;
  border-radius: 9999px;
  background: rgba(255, 255, 255, 0.18);
  border: 1px solid rgba(255, 255, 255, 0.3);
  display: grid;
  place-items: center;
  color: #ffffff;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.12);
  transition: transform 0.25s ease, background 0.25s ease;
}

.btn-direct-email:hover .btn-direct-email__icon {
  transform: scale(1.1);
  background: rgba(255, 255, 255, 0.26);
}

.btn-direct-email__label {
  font-size: clamp(0.94rem, 2.8vw, 1.05rem);
  font-weight: 700;
  color: #ffffff;
  letter-spacing: -0.01em;
  line-height: 1.35;
  text-align: center;
  display: block;
  max-width: 95%;
}

.thanks-dossier-hero__hint {
  font-size: 0.76rem;
  color: #64748b;
  line-height: 1.45;
  text-align: center;
  display: block;
  max-width: 90%;
  margin: 0 auto;
}

.thanks-recap-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}

.thanks-recap-cell {
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: 10px;
  padding: 12px 14px;
  display: flex;
  flex-direction: column;
  gap: 4px;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.02);
}

.thanks-cell-label {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: #64748b;
}

.thanks-cell-value {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--ink);
}

.thanks-cell-value--id {
  color: var(--primary);
  font-family: monospace, sans-serif;
  font-size: 1.15rem;
}

.thanks-cell-value--amount {
  color: #047857;
}

/* Next Steps / Timeline Section */
.thanks-timeline-section {
  width: 100%;
  margin-bottom: 24px;
  text-align: left;
}

.thanks-section-heading {
  font-size: 0.95rem;
  font-weight: 800;
  color: var(--ink);
  margin: 0 0 12px;
  letter-spacing: -0.01em;
  display: flex;
  align-items: center;
  gap: 8px;
}

.thanks-timeline-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
}

.thanks-timeline-card {
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: 12px;
  padding: 14px;
  display: flex;
  flex-direction: column;
  gap: 6px;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.thanks-timeline-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(0, 0, 0, 0.04);
}

.thanks-timeline-card.is-done {
  border-color: #a7f3d0;
  background: linear-gradient(to bottom, #f0fdf4, #ffffff);
}

.thanks-timeline-card.is-active {
  border-color: rgba(30, 64, 175, 0.4);
  background: linear-gradient(to bottom, #f0fdf4, #ffffff);
  box-shadow: 0 0 0 1px rgba(30, 64, 175, 0.15);
}

.thanks-timeline-badge {
  width: 28px;
  height: 28px;
  border-radius: 9999px;
  background: #e2e8f0;
  color: #64748b;
  font-size: 0.8rem;
  font-weight: 800;
  display: grid;
  place-items: center;
}

.thanks-timeline-card.is-done .thanks-timeline-badge {
  background: #047857;
  color: #ffffff;
}

.thanks-timeline-card.is-active .thanks-timeline-badge {
  background: var(--primary);
  color: #ffffff;
  box-shadow: 0 0 0 3px rgba(30, 64, 175, 0.18);
}

.thanks-timeline-step {
  font-size: 0.68rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: #64748b;
}

.thanks-timeline-card.is-done .thanks-timeline-step {
  color: #047857;
}

.thanks-timeline-card.is-active .thanks-timeline-step {
  color: var(--primary);
}

.thanks-timeline-title {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--ink);
  margin: 0;
  line-height: 1.25;
}

.thanks-timeline-desc {
  font-size: 0.76rem;
  color: #64748b;
  margin: 0;
  line-height: 1.4;
}

@media (max-width: 640px) {
  .thanks-timeline-grid {
    grid-template-columns: 1fr;
    gap: 8px;
  }
}

/* Instructions / Notice Card */
.thanks-notice-card {
  width: 100%;
  background: #fffdf5;
  border: 1px solid #fde68a;
  border-left: 4px solid #d97706;
  border-radius: 12px;
  padding: 16px 18px;
  margin-bottom: 22px;
  box-sizing: border-box;
  text-align: left;
}

.thanks-notice-header {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
}

.thanks-notice-header-icon {
  width: 28px;
  height: 28px;
  border-radius: 6px;
  background: rgba(217, 119, 6, 0.12);
  color: #d97706;
  display: grid;
  place-items: center;
  flex-shrink: 0;
}

.thanks-notice-heading {
  margin: 0;
  font-size: clamp(0.88rem, 2.2vw, 0.98rem);
  font-weight: 800;
  color: #78350f;
  line-height: 1.35;
  letter-spacing: -0.01em;
}

.thanks-notice-list {
  margin: 0;
  padding: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.thanks-notice-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.84rem;
  line-height: 1.5;
  color: #1e293b;
}

.thanks-notice-badge {
  width: 26px;
  height: 26px;
  border-radius: 6px;
  background: #fef3c7;
  border: 1px solid #fde68a;
  color: #b45309;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  margin-top: 1px;
}

.thanks-notice-text {
  flex: 1;
  min-width: 0;
}

.thanks-notice-text strong {
  color: #0f172a;
}

.thanks-notice-email-pill {
  display: inline-block;
  max-width: 100%;
  background: #ffffff;
  border: 1px solid #fcd34d;
  padding: 1px 7px;
  border-radius: 5px;
  font-weight: 700;
  color: #92400e;
  font-size: 0.82rem;
  line-height: 1.35;
  word-break: break-all;
  overflow-wrap: anywhere;
  vertical-align: baseline;
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.03);
}

/* Trust Bar */
.thanks-trust-bar {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 18px;
  padding: 14px 0;
  margin-bottom: 22px;
  border-top: 1px solid #e2e8f0;
  border-bottom: 1px solid #e2e8f0;
}

.thanks-trust-item {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 0.78rem;
  font-weight: 600;
  color: #64748b;
}

.thanks-trust-item svg {
  color: var(--primary);
  flex-shrink: 0;
}

/* Action Buttons */
.thanks-actions {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 12px;
}

.thanks-actions .btn {
  min-width: 200px;
  padding: 13px 22px;
  font-size: 0.92rem;
  font-weight: 700;
  border-radius: 10px;
}

.thanks-actions .btn--secondary {
  background: #ffffff;
  border: 1px solid #cbd5e1;
  color: var(--ink);
}

.thanks-actions .btn--secondary:hover {
  background: #f8fafc;
  border-color: #94a3b8;
}

/* Mobile responsive optimization down to 320px */
@media (max-width: 480px) {
  .thanks-page {
    padding: 8px 8px 36px !important;
  }

  .thanks-card {
    padding: 18px 10px;
    border-radius: 14px;
    width: 100%;
  }

  .thanks-card h1 {
    font-size: 1.65rem;
  }

  .thanks-subtitle {
    font-size: 0.88rem;
    margin-bottom: 18px;
  }

  .thanks-recap-card {
    padding: 14px 10px;
    border-radius: 12px;
    margin-bottom: 18px;
  }

  .thanks-recap-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 8px;
  }

  .thanks-recap-cell {
    padding: 10px 12px;
  }

  .thanks-recap-cell:first-child {
    grid-column: 1 / -1;
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
    padding: 10px 14px;
  }

  .thanks-timeline-section {
    margin-bottom: 18px;
  }

  .thanks-timeline-card {
    padding: 12px 10px;
  }

  .thanks-notice-card {
    padding: 14px 10px;
    border-radius: 10px;
    border-left-width: 3px;
    margin-bottom: 18px;
  }

  .thanks-notice-header {
    gap: 8px;
    margin-bottom: 10px;
  }

  .thanks-notice-item {
    gap: 8px;
    font-size: 0.81rem;
    line-height: 1.45;
  }

  .thanks-notice-badge {
    width: 24px;
    height: 24px;
    border-radius: 5px;
  }

  .thanks-notice-badge svg {
    width: 13px;
    height: 13px;
  }

  .thanks-notice-email-pill {
    font-size: 0.78rem;
    padding: 1px 5px;
  }

  .thanks-trust-bar {
    gap: 8px 14px;
    padding: 10px 0;
    margin-bottom: 18px;
  }

  .thanks-trust-item {
    font-size: 0.74rem;
  }

  .thanks-actions {
    gap: 10px;
  }

  .thanks-actions .btn {
    width: 100%;
    min-width: 0;
    padding: 12px 16px;
  }
}

@media (max-width: 340px) {
  .thanks-page {
    padding: 8px 6px 30px !important;
  }

  .thanks-card {
    padding: 16px 8px;
    border-radius: 12px;
  }

  .thanks-notice-card {
    padding: 12px 8px;
  }

  .thanks-notice-item {
    gap: 6px;
    font-size: 0.78rem;
  }

  .thanks-notice-heading {
    font-size: 0.84rem;
  }
}

/* ==========================================================================
   HERO PROGRESSIVE MULTI-STEP FORM (CRO OPTIMIZATION)
   ========================================================================== */
.hero-progressive-card {
  position: relative;
  overflow: hidden;
  border: 1px solid rgba(220, 227, 235, 0.95);
  background: rgba(255, 255, 255, 0.98);
  box-shadow: 0 20px 60px rgba(30, 64, 175, 0.14);
}

.progressive-header {
  margin-bottom: 20px;
}

.progressive-header__meta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 8px;
}

.progressive-secure-badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  border-radius: 999px;
  background: var(--surface-soft);
  color: var(--primary);
  padding: 4px 10px;
  font-size: 0.74rem;
  font-weight: 800;
  letter-spacing: 0.04em;
}

.progressive-header h2 {
  margin: 0 0 16px;
  font-size: clamp(1.4rem, 2.2vw, 1.7rem);
  line-height: 1.15;
  color: var(--ink);
}

/* Step Progress Indicator */
.steps-progress-bar {
  display: grid;
  gap: 8px;
}

.steps-progress-track {
  width: 100%;
  height: 5px;
  border-radius: 999px;
  background: var(--line);
  overflow: hidden;
}

.steps-progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--primary) 0%, var(--accent) 100%);
  border-radius: 999px;
  transition: width 320ms cubic-bezier(0.4, 0, 0.2, 1);
}

.steps-progress-labels {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}

.step-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--muted);
  font-size: 0.78rem;
  font-weight: 700;
  transition: color 200ms ease;
}

.step-pill.is-active {
  color: var(--primary);
  font-weight: 900;
}

.step-dot {
  display: grid;
  place-items: center;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--line);
  color: var(--muted);
  font-size: 0.7rem;
  font-weight: 900;
  transition: all 200ms ease;
}

.step-pill.is-active .step-dot {
  background: var(--primary);
  color: #fff;
}

/* Form Steps */
.progressive-form {
  position: relative;
}

.form-step {
  display: none;
  animation: fadeInStep 260ms ease;
}

.form-step.is-active {
  display: grid;
  gap: 16px;
}

@keyframes fadeInStep {
  from {
    opacity: 0;
    transform: translateY(6px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.step-field-group {
  display: grid;
  gap: 8px;
}

.step-field-label {
  display: block;
  font-size: 0.88rem;
  font-weight: 800;
  color: var(--ink);
}

/* Chips / Radio Pills for Loan Types */
.loan-type-chips {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}

.loan-chip {
  position: relative;
  display: flex;
  align-items: center;
  gap: 9px;
  border: 1.5px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
  padding: 10px 12px;
  cursor: pointer;
  user-select: none;
  transition:
    border-color 160ms ease,
    background-color 160ms ease,
    box-shadow 160ms ease,
    transform 160ms ease;
}

.loan-chip:hover {
  border-color: rgba(30, 64, 175, 0.45);
  background: #fbfdfc;
}

.loan-chip input[type="radio"] {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
  pointer-events: none;
}

.loan-chip.is-selected {
  border-color: var(--primary);
  background: var(--surface-soft);
  box-shadow: 0 4px 14px rgba(30, 64, 175, 0.12);
}

.loan-chip__icon {
  display: grid;
  place-items: center;
  width: 28px;
  height: 28px;
  flex-shrink: 0;
  border-radius: 6px;
  background: #edf1f5;
  color: var(--muted);
  transition: all 160ms ease;
}

.loan-chip__icon svg {
  width: 17px;
  height: 17px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.loan-chip:hover .loan-chip__icon {
  background: rgba(30, 64, 175, 0.12);
  color: var(--primary);
}

.loan-chip.is-selected .loan-chip__icon {
  background: var(--primary);
  color: #fff;
}

.loan-chip__name {
  font-size: 0.86rem;
  font-weight: 800;
  color: var(--ink);
  line-height: 1.2;
}

.loan-chip.is-selected .loan-chip__name {
  color: var(--primary-dark);
}

/* Input with Affix */
.input-with-affix {
  position: relative;
  display: flex;
  align-items: center;
}

.input-with-affix input {
  width: 100%;
  padding-right: 36px;
}

.input-with-affix--duration input {
  padding-right: 68px;
}

.input-affix {
  position: absolute;
  right: 14px;
  color: var(--muted);
  font-size: 0.88rem;
  font-weight: 800;
  pointer-events: none;
}

/* Quick Amount Presets directly under loan_amount */
.form-grid--align-start {
  align-items: start;
}

.field-with-presets {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.amount-presets-block {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.amount-presets-label {
  display: block;
  font-size: 0.72rem;
  font-weight: 750;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.03em;
}

.quick-amount-presets {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}

.preset-btn {
  flex: 1 1 calc(50% - 6px);
  min-width: 70px;
  text-align: center;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: var(--bg);
  color: var(--muted);
  padding: 5px 8px;
  font-size: 0.78rem;
  font-weight: 750;
  cursor: pointer;
  transition: all 140ms ease;
}

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

.preset-btn.is-active {
  border-color: var(--primary);
  background: var(--surface-soft);
  color: var(--primary);
  font-weight: 800;
}

/* Live Instant Monthly Estimate Banner */
.live-estimate-banner {
  display: grid;
  gap: 4px;
  border: 1px solid rgba(30, 64, 175, 0.22);
  border-radius: 8px;
  background: linear-gradient(135deg, var(--surface-soft) 0%, #fff8e8 100%);
  padding: 12px 16px;
  transition: all 200ms ease;
}

.live-estimate-content {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 12px;
}

.live-estimate-label {
  font-size: 0.82rem;
  font-weight: 800;
  color: var(--primary-dark);
}

.live-estimate-value {
  display: inline-flex;
  align-items: baseline;
  gap: 4px;
}

.live-estimate-value strong {
  font-size: 1.45rem;
  font-weight: 900;
  color: var(--primary);
  line-height: 1;
}

.live-estimate-value small {
  font-size: 0.84rem;
  font-weight: 800;
  color: var(--muted);
}

.live-estimate-mention {
  margin: 0;
  font-size: 0.73rem;
  font-weight: 600;
  color: var(--muted);
}

/* Step 2 Elements */
.recap-summary-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface-soft);
  padding: 9px 12px;
}

.recap-summary-info {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}

.recap-summary-badge {
  display: inline-block;
  border-radius: 4px;
  background: var(--primary);
  color: #fff;
  padding: 2px 8px;
  font-size: 0.72rem;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.recap-summary-text {
  font-size: 0.84rem;
  font-weight: 800;
  color: var(--ink);
}

.recap-summary-edit {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  border: 0;
  background: transparent;
  color: var(--primary);
  font-size: 0.78rem;
  font-weight: 800;
  cursor: pointer;
  padding: 4px;
  text-decoration: underline;
  transition: opacity 140ms ease;
}

.recap-summary-edit:hover {
  opacity: 0.75;
}

.step2-intro h3 {
  margin: 0 0 4px;
  font-size: 1.14rem;
  font-weight: 900;
  color: var(--ink);
}

.step2-intro p {
  margin: 0;
  font-size: 0.84rem;
  color: var(--muted);
}

.step2-privacy-note {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  color: var(--muted);
  font-size: 0.78rem;
  line-height: 1.35;
}

.step2-privacy-note svg {
  flex-shrink: 0;
  margin-top: 2px;
  color: var(--primary);
}

.step-actions {
  display: grid;
  gap: 8px;
  margin-top: 4px;
}

.step-actions .btn {
  gap: 8px;
}

.step-actions--split {
  display: grid;
  grid-template-columns: minmax(80px, auto) 1fr;
  gap: 10px;
}

.btn--back {
  border-color: var(--line) !important;
  background: var(--surface-soft) !important;
  color: var(--ink) !important;
  font-weight: 800;
}

.btn--back:hover {
  background: #e1ede8 !important;
}

.step2-trust-footer {
  margin: 6px 0 0;
  text-align: center;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--muted);
}

/* ==========================================================================
   BOTTOM CONVERSION CTA SECTION (BENTO REDESIGN)
   ========================================================================== */
.bottom-cta-section {
  padding: clamp(52px, 6vw, 84px) 0;
  background-color: #f8fafc;
}

.bottom-cta-bento-card {
  display: grid;
  grid-template-columns: minmax(0, 1.45fr) minmax(300px, 0.8fr);
  gap: clamp(32px, 4vw, 56px);
  align-items: center;
  border: 1px solid rgba(226, 232, 240, 0.95);
  border-radius: 28px;
  background: #ffffff;
  padding: clamp(32px, 5vw, 52px);
  box-shadow: 0 20px 50px -12px rgba(20, 32, 51, 0.08);
  position: relative;
  overflow: hidden;
}

.bottom-cta-kicker-pill {
  display: inline-flex;
  align-items: center;
  padding: 6px 14px;
  border-radius: 9999px;
  background-color: var(--surface-soft, #eff6ff);
  color: var(--primary, #1e40af);
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 14px;
  border: 1px solid rgba(30, 64, 175, 0.12);
}

.bottom-cta-bento-title {
  margin: 0 0 14px;
  color: var(--ink, #0f172a);
  font-size: clamp(1.7rem, 2.5vw, 2.3rem);
  font-weight: 800;
  line-height: 1.18;
  letter-spacing: -0.02em;
}

.bottom-cta-desc {
  max-width: 620px;
  margin: 0 0 24px;
  color: var(--muted, #64748b);
  font-size: 1.02rem;
  line-height: 1.55;
}

.bottom-cta-trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}

.bottom-cta-trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 14px;
  border-radius: 14px;
  background-color: #f8fafc;
  border: 1px solid rgba(226, 232, 240, 0.8);
  transition: all 0.2s ease;
}

.bottom-cta-trust-item:hover {
  background-color: var(--surface-soft, #eff6ff);
  border-color: rgba(30, 64, 175, 0.2);
  transform: translateY(-2px);
}

.bottom-cta-trust-icon {
  width: 32px;
  height: 32px;
  border-radius: 10px;
  background: rgba(30, 64, 175, 0.08);
  color: var(--primary, #1e40af);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.bottom-cta-trust-icon svg {
  width: 16px;
  height: 16px;
}

.bottom-cta-trust-text {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--ink, #0f172a);
  line-height: 1.3;
}

.bottom-cta-action {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 14px;
  padding: 28px 24px;
  border-radius: 20px;
  background: linear-gradient(135deg, rgba(239, 246, 255, 0.6) 0%, rgba(248, 250, 252, 0.8) 100%);
  border: 1px solid rgba(226, 232, 240, 0.9);
  text-align: center;
}

.bottom-cta-btn--bento {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  width: 100%;
  max-width: 340px;
  min-height: 56px;
  padding: 14px 24px;
  border-radius: 16px;
  font-size: 1.02rem;
  font-weight: 700;
  background: var(--primary, #1e40af);
  color: #ffffff;
  box-shadow: 0 10px 24px -4px rgba(30, 64, 175, 0.35);
  transition: all 0.25s ease;
  text-decoration: none;
}

.bottom-cta-btn--bento:hover {
  background: var(--primary-dark, #1e3a8a);
  transform: translateY(-2px);
  box-shadow: 0 14px 30px -4px rgba(30, 64, 175, 0.45);
  color: #ffffff;
}

.bottom-cta-btn-arrow {
  transition: transform 0.25s ease;
}

.bottom-cta-btn--bento:hover .bottom-cta-btn-arrow {
  transform: translateY(-3px);
}

.bottom-cta-subtext {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--muted, #64748b);
}

.bottom-cta-subtext svg {
  color: var(--primary, #1e40af);
}

@media (max-width: 991px) {
  .bottom-cta-bento-card {
    grid-template-columns: 1fr;
    gap: 32px;
  }
}

@media (max-width: 768px) {
  .bottom-cta-trust-grid {
    grid-template-columns: 1fr;
    gap: 8px;
  }

  .bottom-cta-action {
    padding: 18px 14px;
  }

  .bottom-cta-btn--bento {
    font-size: 0.95rem;
  }
}

/* ==========================================================================
   MENTIONS LÉGALES OBLIGATOIRES DE CRÉDIT (CONFORMITÉ RÉGLEMENTAIRE)
   ========================================================================== */
.hero-legal-warning {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-top: 16px;
  padding: 10px 14px;
  border-radius: 8px;
  background: #f8fafc;
  border: 1px solid rgba(203, 213, 225, 0.8);
  color: var(--muted);
  font-size: 0.78rem;
  line-height: 1.4;
}

.hero-legal-warning svg {
  flex-shrink: 0;
  margin-top: 2px;
  color: var(--primary);
}

.hero-legal-warning p {
  margin: 0;
  font-weight: 600;
  color: var(--ink);
}

.bottom-cta-warning {
  margin-top: 20px;
  padding: 12px 18px;
  border-radius: 8px;
  background: rgba(30, 64, 175, 0.04);
  border: 1px solid rgba(30, 64, 175, 0.16);
  text-align: center;
}

.bottom-cta-warning--bento {
  margin-top: 24px;
  padding: 14px 20px;
  border-radius: 14px;
  background: #ffffff;
  border: 1px solid rgba(226, 232, 240, 0.9);
  box-shadow: 0 4px 12px rgba(15, 23, 42, 0.03);
  max-width: 900px;
  margin-left: auto;
  margin-right: auto;
}

.bottom-cta-warning--bento p {
  color: var(--muted);
  font-weight: 600;
}

.bottom-cta-warning--bento strong {
  color: var(--ink);
}

.bottom-cta-warning p {
  margin: 0;
  color: var(--ink);
  font-size: 0.82rem;
  line-height: 1.45;
  font-weight: 700;
}

.footer-credit-warning {
  width: 100%;
  margin-bottom: 16px;
  padding: 12px 16px;
  border-radius: 6px;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.12);
  text-align: center;
}

.footer-credit-warning p {
  margin: 0;
  color: rgba(255, 255, 255, 0.85);
  font-size: 0.8rem;
  line-height: 1.4;
  font-weight: 700;
}

/* ==========================================================================
   MOBILE & RESPONSIVE ADJUSTMENTS (320px - 768px)
   ========================================================================== */
@media (max-width: 768px) {
  .bottom-cta-card {
    grid-template-columns: 1fr;
    gap: 24px;
    padding: 24px 18px;
  }

  .bottom-cta-action .btn {
    max-width: 100%;
  }

  .loan-type-chips {
    gap: 8px;
  }

  .loan-chip {
    padding: 8px 10px;
  }

  .loan-chip__name {
    font-size: 0.82rem;
  }
}

@media (max-width: 380px) {
  .loan-type-chips {
    grid-template-columns: 1fr;
  }

  .step-actions--split {
    grid-template-columns: 1fr;
  }

  .btn--back {
    order: 2;
  }

  .btn--submit {
    order: 1;
  }
}

/* ==========================================================================
   REGULATORY LOAN DISCLOSURES (BENTO GRID CONSUMER PROTECTION)
   ========================================================================== */
.regulatory-disclosure-section {
  padding-top: clamp(32px, 5vw, 64px);
  padding-bottom: clamp(32px, 5vw, 64px);
}

.regulatory-bento-card,
.regulatory-disclosure-card {
  background: #ffffff;
  border: 1px solid rgba(226, 232, 240, 0.95);
  border-radius: 28px;
  padding: clamp(24px, 4vw, 44px);
  box-shadow: 0 20px 50px -12px rgba(20, 32, 51, 0.08);
  transition: border-color 260ms ease, box-shadow 260ms ease;
}

.regulatory-disclosure-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto clamp(24px, 3.5vw, 40px);
}

.regulatory-kicker-pill,
.regulatory-disclosure-kicker {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--primary, #1e40af);
  background: var(--surface-soft, #eff6ff);
  padding: 6px 16px;
  border-radius: 9999px;
  border: 1px solid rgba(30, 64, 175, 0.12);
  margin-bottom: 14px;
}

.regulatory-bento-title,
.regulatory-disclosure-header h2 {
  font-size: clamp(1.5rem, 2.6vw, 2.1rem);
  font-weight: 800;
  color: var(--ink, #0f172a);
  margin: 0 0 12px;
  line-height: 1.22;
  letter-spacing: -0.02em;
}

.regulatory-disclosure-intro {
  font-size: 0.98rem;
  color: #64748b;
  margin: 0;
  line-height: 1.6;
}

/* Badges Grid Bento */
.regulatory-badges-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
  margin-bottom: clamp(28px, 4vw, 36px);
}

.regulatory-badge-item {
  background: #f8fafc;
  border: 1px solid rgba(226, 232, 240, 0.95);
  border-radius: 18px;
  padding: 20px 18px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  transition: all 260ms cubic-bezier(0.16, 1, 0.3, 1);
}

.regulatory-badge-item:hover {
  transform: translateY(-3px);
  border-color: rgba(30, 64, 175, 0.3);
  box-shadow: 0 12px 28px -8px rgba(30, 64, 175, 0.1);
  background: #ffffff;
}

.regulatory-badge-item__top {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 2px;
}

.regulatory-badge-item__icon {
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  border-radius: 10px;
  background: var(--surface-soft, #eff6ff);
  color: var(--primary, #1e40af);
  flex-shrink: 0;
}

.regulatory-badge-item__icon svg {
  width: 18px;
  height: 18px;
}

.regulatory-badge-item__label {
  font-size: 0.75rem;
  font-weight: 700;
  color: #64748b;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.regulatory-badge-item__value {
  font-size: clamp(1.15rem, 1.9vw, 1.35rem);
  font-weight: 850;
  color: var(--primary, #1e40af);
  line-height: 1.2;
  letter-spacing: -0.015em;
}

.regulatory-badge-item__detail {
  font-size: 0.78rem;
  color: #64748b;
  line-height: 1.4;
}

/* Representative Example Bento Box */
.regulatory-example-box {
  background: #eff6ff;
  border: 1px solid rgba(191, 219, 254, 0.75);
  border-radius: 22px;
  padding: clamp(20px, 3vw, 32px);
  margin-bottom: 28px;
  box-shadow: 0 8px 24px -6px rgba(30, 64, 175, 0.05);
}

.regulatory-example-box__header {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding-bottom: 20px;
  margin-bottom: 22px;
  border-bottom: 1px solid rgba(191, 219, 254, 0.7);
}

.regulatory-example-box__icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: #ffffff;
  color: var(--primary, #1e40af);
  display: grid;
  place-items: center;
  box-shadow: 0 4px 14px -2px rgba(30, 64, 175, 0.1);
  border: 1px solid rgba(191, 219, 254, 0.9);
  flex-shrink: 0;
}

.regulatory-example-box__icon svg {
  width: 24px;
  height: 24px;
}

.regulatory-example-box__header h3 {
  font-size: clamp(1.1rem, 2vw, 1.28rem);
  font-weight: 800;
  color: var(--ink, #0f172a);
  margin: 0 0 6px;
  letter-spacing: -0.015em;
}

.regulatory-example-box__header p {
  font-size: 0.88rem;
  color: #475569;
  margin: 0;
  line-height: 1.5;
}

/* Stats Grid Bento */
.regulatory-example-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
  margin: 0;
}

.regulatory-stat-cell {
  background: #ffffff;
  border: 1px solid rgba(226, 232, 240, 0.95);
  border-radius: 14px;
  padding: 14px 16px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 6px;
  box-shadow: 0 2px 8px rgba(20, 32, 51, 0.03);
}

.regulatory-stat-cell dt {
  font-size: 0.75rem;
  color: #64748b;
  font-weight: 600;
  line-height: 1.35;
}

.regulatory-stat-cell dd {
  margin: 0;
  font-size: clamp(0.98rem, 1.6vw, 1.15rem);
  color: var(--ink, #0f172a);
  font-weight: 750;
}

.regulatory-stat-cell--highlight {
  border-color: rgba(30, 64, 175, 0.3);
  background: #ffffff;
  box-shadow: 0 4px 14px -2px rgba(30, 64, 175, 0.08);
}

.regulatory-stat-cell--highlight dd strong {
  color: var(--primary, #1e40af);
  font-weight: 850;
}

.stat-highlight-amount {
  color: var(--primary, #1e40af);
  font-size: 1.2rem;
  font-weight: 850;
}

.regulatory-stat-cell--total {
  background: var(--primary, #1e40af);
  border-color: var(--primary, #1e40af);
  box-shadow: 0 6px 18px -4px rgba(30, 64, 175, 0.3);
}

.regulatory-stat-cell--total dt {
  color: rgba(255, 255, 255, 0.88);
  font-weight: 600;
}

.regulatory-stat-cell--total dd strong {
  color: #ffffff;
  font-size: clamp(1.1rem, 1.8vw, 1.3rem);
  font-weight: 850;
}

.badge-free {
  display: inline-flex;
  align-items: center;
  font-size: 0.78rem;
  font-weight: 700;
  color: #065f46;
  background: #d1fae5;
  border: 1px solid #6ee7b7;
  padding: 3px 10px;
  border-radius: 9999px;
}

/* Footer & Legal Callout */
.regulatory-disclosure-footer {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.regulatory-legal-callout {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  background: #fffbeb;
  border: 1px solid rgba(217, 119, 6, 0.25);
  color: #92400e;
  padding: 16px 20px;
  border-radius: 16px;
  font-size: 0.85rem;
  line-height: 1.5;
}

.regulatory-callout-icon {
  display: grid;
  place-items: center;
  width: 28px;
  height: 28px;
  border-radius: 8px;
  background: rgba(217, 119, 6, 0.15);
  color: #b45309;
  flex-shrink: 0;
  margin-top: 1px;
}

.regulatory-callout-icon svg {
  width: 16px;
  height: 16px;
}

.regulatory-broker-notice {
  background: #f8fafc;
  border: 1px solid rgba(226, 232, 240, 0.9);
  border-radius: 16px;
  padding: 18px 20px;
}

.regulatory-broker-notice h4 {
  font-size: 0.825rem;
  font-weight: 750;
  color: var(--ink, #0f172a);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin: 0 0 8px;
}

.regulatory-broker-notice p {
  font-size: 0.8125rem;
  color: #64748b;
  line-height: 1.6;
  margin: 0;
}

@media (max-width: 991px) {
  .regulatory-badges-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .regulatory-example-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 640px) {
  .regulatory-badges-grid {
    grid-template-columns: 1fr;
    gap: 12px;
  }

  .regulatory-example-grid {
    grid-template-columns: 1fr;
    gap: 10px;
  }

  .regulatory-bento-card,
  .regulatory-disclosure-card {
    border-radius: 20px;
    padding: 22px 16px;
  }

  .regulatory-example-box {
    border-radius: 16px;
    padding: 18px 14px;
  }

  .regulatory-example-box__header {
    flex-direction: column;
    gap: 12px;
  }
}
  line-height: 1.5;
  margin: 0;
}

/* Responsive adjustments */
@media (max-width: 992px) {
  .regulatory-badges-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .regulatory-example-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 540px) {
  .regulatory-badges-grid {
    grid-template-columns: 1fr;
  }
  .regulatory-example-grid {
    grid-template-columns: 1fr;
  }
}