/* =============================================================
   STYLE.CSS — SAFIR
   Entreprise de crédit — Bleu marine imposant + Or
   Site complet : 10+ pages, mega-menus, simulateurs, formulaires
   ============================================================= */

:root {
    /* --- Bleu marine imposant --- */
    --navy-900: #050d1a;
    --navy-800: #091a33;
    --navy-700: #0e254a;
    --navy-600: #143366;
    --navy-500: #1a4480;
    --navy-400: #2563a8;
    --navy-300: #3b82d4;
    --navy-200: #7bb3e8;
    --navy-100: #c2ddf5;
    --navy-50:  #eaf3fc;
    /* --- Or / Gold --- */
    --gold-600: #b8860b;
    --gold-500: #d4a017;
    --gold: #e6b422;
    --gold-light: #f5d76e;
    --gold-50: #fdf8e8;
    /* --- Utilitaires --- */
    --accent: #3b82f6;
    --success: #16a34a;
    --danger: #dc2626;
    --white: #ffffff;
    --gray-50: #f8fafc; --gray-100: #f1f5f9; --gray-200: #e2e8f0;
    --gray-300: #cbd5e1; --gray-400: #94a3b8; --gray-500: #64748b;
    --gray-600: #475569; --gray-700: #334155; --gray-800: #1e293b;
    --whatsapp: #25D366;
    --font-body: 'DM Sans', sans-serif;
    --font-display: 'Playfair Display', serif;
    --shadow-sm: 0 1px 3px rgba(5,13,26,0.06);
    --shadow-md: 0 4px 16px rgba(5,13,26,0.1);
    --shadow-lg: 0 8px 32px rgba(5,13,26,0.14);
    --shadow-xl: 0 16px 48px rgba(5,13,26,0.18);
    --radius-sm: 8px; --radius-md: 12px; --radius-lg: 20px; --radius-xl: 28px;
    --transition: all 0.3s cubic-bezier(0.4,0,0.2,1);
}

/* === RESET === */
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:90px}
body{font-family:var(--font-body);color:var(--gray-700);background:var(--white);line-height:1.7;overflow-x:hidden;margin:0}
h1,h2,h3,h4,h5,h6{font-family:var(--font-display);color:var(--navy-800);font-weight:700;line-height:1.25}
a{color:var(--navy-500);text-decoration:none;transition:var(--transition)}
a:hover{color:var(--gold)}
img{max-width:100%;height:auto}
::selection{background:var(--navy-600);color:var(--white)}


/* =============================================================
   TOP BAR
   ============================================================= */
.nav-topbar{background:var(--navy-900);padding:0.4rem 0;font-size:0.8rem;border-bottom:1px solid rgba(255,255,255,0.08)}
.nav-topbar a{color:rgba(255,255,255,0.65);transition:var(--transition)}
.nav-topbar a:hover{color:var(--gold-light)}
.topbar-cta{background:var(--gold);color:var(--navy-900)!important;font-weight:700;padding:0.3rem 1rem;border-radius:var(--radius-xl);font-size:0.78rem;letter-spacing:0.02em}
.topbar-cta:hover{background:var(--gold-light);color:var(--navy-900)!important}


/* =============================================================
   NAVBAR
   ============================================================= */
#mainNav{background:rgba(255,255,255,0.96);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);border-bottom:1px solid var(--gray-200);padding:0;z-index:1050;transition:var(--transition)}
#mainNav.scrolled{background:rgba(255,255,255,0.99);box-shadow:var(--shadow-md)}
.nav-main{padding:0.55rem 0}
.navbar-brand{font-family:var(--font-display);font-size:1.6rem;color:var(--navy-800)!important;letter-spacing:-0.02em;display:flex;align-items:center;gap:0.4rem}
.navbar-brand .brand-icon{width:36px;height:36px;background:linear-gradient(135deg,var(--navy-700),var(--navy-500));border-radius:10px;display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:1.1rem}
.navbar-brand .brand-dot{color:var(--gold)}

/* Desktop nav */
.main-nav-links{list-style:none;display:flex;gap:0;margin:0;padding:0;align-items:center}
.main-nav-links>li{position:relative}
.main-nav-links>li>a{display:flex;align-items:center;gap:0.3rem;padding:0.7rem 0.9rem;color:var(--gray-600);font-weight:500;font-size:0.9rem;border-radius:var(--radius-sm);transition:var(--transition)}
.main-nav-links>li>a:hover,.main-nav-links>li>a.active{color:var(--navy-700);background:var(--navy-50)}
.main-nav-links>li>a .bi-chevron-down{font-size:0.6rem;transition:transform 0.3s}
.main-nav-links>li:hover>a .bi-chevron-down{transform:rotate(180deg)}

/* Mega menu */
.mega-menu{position:absolute;top:100%;left:50%;transform:translateX(-50%) translateY(10px);background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-lg);box-shadow:var(--shadow-xl);padding:1.75rem 2rem;min-width:520px;opacity:0;visibility:hidden;transition:opacity 0.25s,visibility 0.25s,transform 0.25s;z-index:1060}
.main-nav-links>li:hover>.mega-menu{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.mega-menu-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}
.mega-menu-grid.three-col{grid-template-columns:1fr 1fr 1fr;min-width:680px}
.mega-col-title{font-family:var(--font-body);font-size:0.7rem;font-weight:700;text-transform:uppercase;letter-spacing:0.12em;color:var(--gold-600);margin-bottom:0.5rem;padding-bottom:0.35rem;border-bottom:2px solid var(--gold-50)}
.mega-menu a{display:flex;align-items:center;gap:0.5rem;padding:0.35rem 0.5rem;color:var(--gray-700);font-size:0.86rem;font-weight:500;border-radius:var(--radius-sm);transition:var(--transition)}
.mega-menu a:hover{background:var(--navy-50);color:var(--navy-700);padding-left:0.75rem}
.mega-menu a i{color:var(--navy-400);font-size:0.9rem;width:18px;text-align:center}
.mega-menu-footer{grid-column:1/-1;margin-top:0.5rem;padding:0.9rem 1rem;border-top:1px solid var(--gray-100);background:linear-gradient(135deg,var(--navy-50),var(--gold-50));border-radius:var(--radius-md);display:flex;align-items:center;gap:0.75rem}
.mega-menu-footer p{font-size:0.83rem;color:var(--gray-500);margin:0}
.mega-menu-footer strong{color:var(--navy-700)}

/* CTA Nav */
.btn-cta-nav{background:linear-gradient(135deg,var(--navy-700),var(--navy-600));color:var(--white)!important;font-weight:600;font-size:0.86rem;padding:0.55rem 1.25rem;border-radius:var(--radius-xl);border:none;transition:var(--transition);white-space:nowrap}
.btn-cta-nav:hover{background:linear-gradient(135deg,var(--navy-600),var(--navy-500));color:var(--white)!important;transform:translateY(-1px);box-shadow:var(--shadow-md)}

/* Mobile */
.mobile-menu-btn{display:none;background:none;border:1px solid var(--gray-200);border-radius:var(--radius-sm);padding:0.4rem 0.6rem;font-size:1.4rem;color:var(--navy-800);cursor:pointer}
.mobile-nav-overlay{display:none;position:fixed;inset:0;background:rgba(0,0,0,0.5);z-index:1070}
.mobile-nav-overlay.open{display:block}
.mobile-nav-panel{position:fixed;top:0;right:-340px;width:340px;max-width:92vw;height:100vh;background:var(--white);z-index:1080;overflow-y:auto;transition:right 0.35s;padding:1.5rem;box-shadow:-4px 0 24px rgba(0,0,0,0.15)}
.mobile-nav-panel.open{right:0}
.mobile-nav-close{background:none;border:none;font-size:1.4rem;color:var(--gray-500);cursor:pointer;float:right}
.mobile-nav-links{list-style:none;padding:0;margin:2rem 0 0}
.mobile-nav-links li{border-bottom:1px solid var(--gray-100)}
.mobile-nav-links>li>a,.mobile-submenu-toggle{display:flex;justify-content:space-between;align-items:center;padding:0.8rem 0.5rem;font-weight:600;font-size:0.93rem;color:var(--navy-800);cursor:pointer;background:none;border:none;width:100%;text-align:left}
.mobile-submenu{display:none;padding:0 0 0.75rem 1rem}
.mobile-submenu.open{display:block}
.mobile-submenu a{display:block;padding:0.35rem 0.5rem;font-size:0.86rem;color:var(--gray-600)}
.mobile-submenu a:hover{color:var(--navy-600)}
.mobile-submenu .sub-title{font-size:0.7rem;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;color:var(--gold-600);margin-top:0.5rem;margin-bottom:0.2rem;padding:0 0.5rem}
.toggle-arrow{transition:transform 0.3s;font-size:0.7rem}


/* =============================================================
   HERO SECTION
   ============================================================= */
.hero-section{position:relative;padding:60px 0 80px;background:linear-gradient(155deg,var(--navy-900) 0%,var(--navy-800) 35%,var(--navy-700) 70%,var(--navy-600) 100%);color:var(--white);overflow:hidden;min-height:92vh;display:flex;align-items:center}
.hero-section::before{content:'';position:absolute;top:-15%;right:-12%;width:650px;height:650px;background:radial-gradient(circle,rgba(230,180,34,0.08) 0%,transparent 70%);border-radius:50%}
.hero-section::after{content:'';position:absolute;bottom:-25%;left:-8%;width:500px;height:500px;background:radial-gradient(circle,rgba(59,130,246,0.06) 0%,transparent 70%);border-radius:50%}
.hero-badge{display:inline-block;background:rgba(230,180,34,0.15);color:var(--gold-light);font-size:0.76rem;font-weight:700;text-transform:uppercase;letter-spacing:0.12em;padding:0.35rem 1rem;border-radius:var(--radius-xl);margin-bottom:1.25rem;border:1px solid rgba(230,180,34,0.25);animation:fadeInUp 0.6s ease-out}
.hero-title{font-size:clamp(2rem,5vw,3.5rem);color:var(--white);margin-bottom:1rem;animation:fadeInUp 0.6s ease-out 0.1s both}
.hero-highlight{color:var(--gold-light);position:relative}
.hero-highlight::after{content:'';position:absolute;bottom:2px;left:0;width:100%;height:6px;background:rgba(230,180,34,0.3);border-radius:3px;z-index:-1}
.hero-text{font-size:1.1rem;color:rgba(255,255,255,0.7);max-width:520px;margin-bottom:2rem;animation:fadeInUp 0.6s ease-out 0.2s both}

/* Simulateur Hero */
.hero-simulator{background:var(--white);border-radius:var(--radius-lg);padding:2rem;box-shadow:var(--shadow-xl);color:var(--gray-700);animation:fadeInUp 0.6s ease-out 0.3s both;border:1px solid var(--gray-100)}
.hero-simulator h3{font-size:1.1rem;margin-bottom:1.5rem;color:var(--navy-800)}
.sim-label{font-weight:600;font-size:0.86rem;color:var(--gray-600);margin-bottom:0.4rem;display:block}
.sim-amount-display{text-align:center;font-family:var(--font-display);font-size:2.4rem;font-weight:700;color:var(--navy-700);margin:0.4rem 0}
.sim-range-wrap{position:relative;margin:0.4rem 0 0.2rem}
.sim-range{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:3px;background:var(--gray-200);outline:none}
.sim-range::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;border-radius:50%;background:linear-gradient(135deg,var(--navy-700),var(--navy-500));cursor:pointer;border:3px solid var(--white);box-shadow:0 2px 8px rgba(0,0,0,0.2)}
.sim-range::-moz-range-thumb{width:26px;height:26px;border-radius:50%;background:linear-gradient(135deg,var(--navy-700),var(--navy-500));cursor:pointer;border:3px solid var(--white);box-shadow:0 2px 8px rgba(0,0,0,0.2)}
.sim-range-labels{display:flex;justify-content:space-between;font-size:0.76rem;color:var(--gray-400);margin-top:0.2rem}
.sim-projects{display:grid;grid-template-columns:1fr 1fr;gap:0.4rem;margin:0.75rem 0 1rem}
.sim-project-btn{display:flex;align-items:center;gap:0.4rem;padding:0.55rem 0.7rem;border:1.5px solid var(--gray-200);border-radius:var(--radius-sm);background:var(--white);font-size:0.8rem;font-weight:500;color:var(--gray-600);cursor:pointer;transition:var(--transition)}
.sim-project-btn i{color:var(--navy-400);font-size:0.95rem}
.sim-project-btn:hover,.sim-project-btn.selected{border-color:var(--navy-500);background:var(--navy-50);color:var(--navy-700)}
.sim-project-btn.selected{box-shadow:0 0 0 2px rgba(26,68,128,0.15)}
.btn-sim-submit{display:block;width:100%;background:linear-gradient(135deg,var(--navy-700),var(--navy-600));color:var(--white);font-weight:700;font-size:0.95rem;padding:0.8rem;border-radius:var(--radius-xl);border:none;cursor:pointer;text-transform:uppercase;letter-spacing:0.04em;transition:var(--transition)}
.btn-sim-submit:hover{background:linear-gradient(135deg,var(--navy-600),var(--navy-500));transform:translateY(-1px);box-shadow:var(--shadow-md)}

.hero-trust{display:flex;flex-wrap:wrap;gap:1.5rem;margin-top:2.5rem;animation:fadeInUp 0.6s ease-out 0.5s both}
.trust-item{display:flex;align-items:center;gap:0.5rem;font-size:0.86rem;color:rgba(255,255,255,0.7)}
.trust-item i{color:var(--gold);font-size:1rem}


/* =============================================================
   SECTIONS COMMUNES
   ============================================================= */
.section-pad{padding:80px 0}
.section-pad-sm{padding:60px 0}
.section-bg-light{background:var(--gray-50)}
.section-bg-dark{background:linear-gradient(135deg,var(--navy-900),var(--navy-800));color:var(--white);position:relative;overflow:hidden}
.section-bg-dark::before{content:'';position:absolute;top:-20%;right:-10%;width:500px;height:500px;background:radial-gradient(circle,rgba(230,180,34,0.06) 0%,transparent 70%);border-radius:50%}
.section-bg-gold{background:linear-gradient(135deg,var(--gold-50),var(--white))}

.section-badge{display:inline-block;background:var(--navy-50);color:var(--navy-600);font-size:0.76rem;font-weight:700;text-transform:uppercase;letter-spacing:0.12em;padding:0.35rem 1rem;border-radius:var(--radius-xl);margin-bottom:0.75rem}
.section-badge-gold{background:var(--gold-50);color:var(--gold-600)}
.section-badge-light{background:rgba(255,255,255,0.12);color:rgba(255,255,255,0.9)}
.section-title{font-size:clamp(1.75rem,3.5vw,2.5rem);margin-bottom:0.75rem}
.section-subtitle{font-size:1.02rem;color:var(--gray-500);max-width:600px;margin:0 auto}
.section-header.text-center .section-title{margin-left:auto;margin-right:auto}

/* Gold divider */
.gold-divider{width:60px;height:3px;background:linear-gradient(90deg,var(--gold),var(--gold-light));border-radius:2px;margin:1rem auto}


/* =============================================================
   CARTES GÉNÉRIQUES
   ============================================================= */
.card-s{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:2rem;transition:var(--transition);position:relative;overflow:hidden;height:100%}
.card-s::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--navy-500),var(--gold));transform:scaleX(0);transform-origin:left;transition:transform 0.4s}
.card-s:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--navy-200)}
.card-s:hover::before{transform:scaleX(1)}

.card-s-dark{background:var(--navy-800);border-color:var(--navy-700);color:rgba(255,255,255,0.85)}
.card-s-dark h3,.card-s-dark h4{color:var(--white)}
.card-s-dark .card-icon{background:rgba(255,255,255,0.08);color:var(--gold-light)}

.card-icon{width:56px;height:56px;border-radius:var(--radius-md);background:var(--navy-50);color:var(--navy-600);display:flex;align-items:center;justify-content:center;font-size:1.4rem;margin-bottom:1.25rem}
.card-icon-gold{background:var(--gold-50);color:var(--gold-600)}

.card-badge{position:absolute;top:1rem;right:1rem;background:var(--gold);color:var(--navy-900);font-size:0.68rem;font-weight:700;text-transform:uppercase;letter-spacing:0.06em;padding:0.2rem 0.65rem;border-radius:var(--radius-xl)}

.card-link{display:inline-flex;align-items:center;gap:0.4rem;font-weight:600;font-size:0.9rem;color:var(--navy-600);margin-top:0.5rem;transition:var(--transition)}
.card-link:hover{gap:0.7rem;color:var(--gold)}

.card-rate{font-size:0.9rem;color:var(--navy-500);margin-bottom:0.5rem;font-weight:500}

/* Indicative box */
.indicative-box{background:linear-gradient(135deg,var(--navy-50),var(--gold-50));border:1px dashed var(--gold-light);border-radius:var(--radius-lg);padding:2rem;text-align:center;height:100%;display:flex;flex-direction:column;justify-content:center}
.indicative-box .big-rate{font-family:var(--font-display);font-size:1.8rem;font-weight:700;color:var(--navy-700)}


/* =============================================================
   STEPS
   ============================================================= */
.step-card{text-align:center;padding:2rem 1.5rem}
.step-number{width:52px;height:52px;border-radius:50%;background:linear-gradient(135deg,var(--navy-700),var(--navy-600));color:var(--white);display:inline-flex;align-items:center;justify-content:center;font-family:var(--font-display);font-size:1.25rem;font-weight:700;margin-bottom:1.25rem;box-shadow:0 4px 12px rgba(14,37,74,0.3)}
.step-card h4{font-size:1.02rem;margin-bottom:0.5rem}
.step-card p{font-size:0.9rem;color:var(--gray-500)}
.step-connector{position:relative}
.step-connector::after{content:'';position:absolute;top:26px;left:calc(50% + 40px);width:calc(100% - 80px);height:2px;background:linear-gradient(90deg,var(--navy-200),var(--gold-light));z-index:0}
.step-connector:last-child::after{display:none}


/* =============================================================
   STATS
   ============================================================= */
.stat-card{background:rgba(255,255,255,0.06);border:1px solid rgba(255,255,255,0.08);border-radius:var(--radius-lg);padding:2rem;text-align:center;transition:var(--transition)}
.stat-card:hover{background:rgba(255,255,255,0.1);transform:translateY(-2px)}
.stat-value{font-family:var(--font-display);font-size:2.5rem;font-weight:700;color:var(--gold-light);line-height:1;margin-bottom:0.5rem}
.stat-label{font-size:0.86rem;color:rgba(255,255,255,0.5)}


/* =============================================================
   PROJECT BUTTONS
   ============================================================= */
.project-btn{display:flex;align-items:center;gap:0.7rem;background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-md);padding:1rem 1.2rem;font-weight:600;font-size:0.92rem;color:var(--navy-700);transition:var(--transition)}
.project-btn:hover{border-color:var(--gold);box-shadow:var(--shadow-md);transform:translateY(-2px);color:var(--navy-700)}
.project-btn i{font-size:1.2rem;color:var(--navy-400)}
.badge-new{font-size:0.63rem;background:var(--gold);color:var(--navy-900);padding:0.15rem 0.45rem;border-radius:var(--radius-xl);font-weight:700;text-transform:uppercase}


/* =============================================================
   FAQ ACCORDION
   ============================================================= */
.faq-accordion .accordion-item{border:1px solid var(--gray-200);border-radius:var(--radius-md)!important;margin-bottom:0.65rem;overflow:hidden}
.faq-accordion .accordion-button{font-weight:600;font-size:0.93rem;color:var(--navy-800);padding:1rem 1.25rem;background:var(--white)}
.faq-accordion .accordion-button:not(.collapsed){background:var(--navy-50);color:var(--navy-700);box-shadow:none}
.faq-accordion .accordion-button:focus{box-shadow:0 0 0 3px rgba(26,68,128,0.1)}
.faq-accordion .accordion-body{font-size:0.9rem;color:var(--gray-600);padding:0.5rem 1.25rem 1.2rem}


/* =============================================================
   CTA SECTION
   ============================================================= */
.section-cta{padding:80px 0;background:linear-gradient(135deg,var(--navy-50),var(--gold-50))}
.cta-title{font-size:clamp(1.75rem,3vw,2.25rem);margin-bottom:0.75rem}
.cta-text{font-size:1.02rem;color:var(--gray-500);max-width:500px;margin:0 auto 2rem}
.btn-cta-big{background:linear-gradient(135deg,var(--navy-700),var(--navy-600));color:var(--white)!important;font-weight:700;font-size:1.02rem;padding:1rem 2.5rem;border-radius:var(--radius-xl);border:none;transition:var(--transition);display:inline-block}
.btn-cta-big:hover{background:linear-gradient(135deg,var(--navy-600),var(--navy-500));transform:translateY(-2px);box-shadow:var(--shadow-lg);color:var(--white)!important}
.btn-cta-gold{background:linear-gradient(135deg,var(--gold),var(--gold-light));color:var(--navy-900)!important;font-weight:700}
.btn-cta-gold:hover{background:linear-gradient(135deg,var(--gold-600),var(--gold));color:var(--navy-900)!important}


/* =============================================================
   PAGE HEADER (internes)
   ============================================================= */
.page-header{padding:60px 0;background:linear-gradient(155deg,var(--navy-900),var(--navy-800) 40%,var(--navy-700));color:var(--white);overflow:hidden;position:relative}
.page-header::before{content:'';position:absolute;top:-40%;right:-15%;width:500px;height:500px;background:radial-gradient(circle,rgba(230,180,34,0.07) 0%,transparent 70%);border-radius:50%}
.page-header h1{color:var(--white);font-size:clamp(1.9rem,4vw,3rem);margin-bottom:0.5rem}
.page-header p{color:rgba(255,255,255,0.65);font-size:1.02rem;max-width:600px}
.page-header .breadcrumb{font-size:0.82rem}
.page-header .breadcrumb-item a{color:rgba(255,255,255,0.5)}
.page-header .breadcrumb-item a:hover{color:var(--gold-light)}
.page-header .breadcrumb-item.active{color:rgba(255,255,255,0.85)}
.page-header .breadcrumb-item+.breadcrumb-item::before{color:rgba(255,255,255,0.35)}


/* =============================================================
   ABOUT
   ============================================================= */
.about-visual-card{background:linear-gradient(135deg,var(--navy-800),var(--navy-700));color:var(--white);border-radius:var(--radius-lg);padding:2.5rem;box-shadow:var(--shadow-xl)}
.about-visual-card i{font-size:2.5rem;color:var(--gold);margin-bottom:1rem;display:block}
.about-visual-card h4{color:var(--white);font-size:1.25rem;margin-bottom:0.75rem}
.about-visual-card p{color:rgba(255,255,255,0.65);font-size:0.93rem}

.value-card{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:2rem;text-align:center;height:100%;transition:var(--transition)}
.value-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--gold-light)}
.value-icon{width:60px;height:60px;border-radius:50%;background:linear-gradient(135deg,var(--navy-50),var(--gold-50));color:var(--navy-600);display:inline-flex;align-items:center;justify-content:center;font-size:1.4rem;margin-bottom:1.25rem}
.value-card h4{font-size:1.05rem;margin-bottom:0.4rem}
.value-card p{font-size:0.88rem;color:var(--gray-500)}

.team-info-box{background:var(--gray-50);border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:2.5rem;height:100%}
.team-info-box h3{font-size:1.25rem;margin-bottom:1rem}
.team-highlights{list-style:none;padding:0;margin:1rem 0 0}
.team-highlights li{display:flex;align-items:center;gap:0.7rem;padding:0.4rem 0;font-size:0.9rem;color:var(--gray-700)}
.team-highlights li i{color:var(--gold)}
.team-info-box-alt{background:linear-gradient(135deg,var(--navy-800),var(--navy-700));border:none;color:var(--white)}
.team-info-box-alt h3{color:var(--white)}
.engagement-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;margin-top:1.5rem}
.engagement-number{font-family:var(--font-display);font-size:1.7rem;font-weight:700;color:var(--gold-light)}
.engagement-label{font-size:0.8rem;color:rgba(255,255,255,0.55)}


/* =============================================================
   FORMS
   ============================================================= */
.form-card{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:2.5rem;box-shadow:var(--shadow-sm)}
.form-card-header{display:flex;align-items:center;gap:1rem;margin-bottom:2rem;padding-bottom:1.5rem;border-bottom:1px solid var(--gray-200)}
.form-card-header i{font-size:1.8rem;color:var(--navy-500)}
.form-card-header h3{font-size:1.2rem;margin-bottom:0.1rem}
.form-card-header p{font-size:0.82rem;color:var(--gray-400);margin:0}

.form-label{font-weight:600;font-size:0.84rem;color:var(--gray-700);margin-bottom:0.3rem}
.form-control,.form-select{border:1.5px solid var(--gray-200);border-radius:var(--radius-sm);padding:0.62rem 1rem;font-size:0.92rem;color:var(--gray-700);transition:var(--transition)}
.form-control:focus,.form-select:focus{border-color:var(--navy-400);box-shadow:0 0 0 3px rgba(26,68,128,0.1)}
.form-control::placeholder{color:var(--gray-400)}
.input-group-text{background:var(--gray-50);border:1.5px solid var(--gray-200);border-left:0;color:var(--gray-500);font-weight:600}
.form-check-input:checked{background-color:var(--navy-600);border-color:var(--navy-600)}
.form-check-label{font-size:0.84rem;color:var(--gray-600)}
.form-check-label a{color:var(--navy-500);text-decoration:underline}

.form-step-title{font-family:var(--font-display);font-size:1.08rem;color:var(--navy-800);font-weight:700;margin-bottom:1.5rem;display:flex;align-items:center;gap:0.75rem}
.step-indicator{background:linear-gradient(135deg,var(--navy-700),var(--navy-600));color:var(--white);font-family:var(--font-body);font-size:0.72rem;font-weight:700;padding:0.25rem 0.75rem;border-radius:var(--radius-xl)}

.form-nav{display:flex;justify-content:space-between;align-items:center;margin-top:2rem;padding-top:1.5rem;border-top:1px solid var(--gray-200)}
.btn-form-next,.btn-form-submit{background:linear-gradient(135deg,var(--navy-700),var(--navy-600));color:var(--white)!important;font-weight:600;padding:0.65rem 1.75rem;border-radius:var(--radius-xl);border:none;transition:var(--transition);cursor:pointer}
.btn-form-next:hover,.btn-form-submit:hover{background:linear-gradient(135deg,var(--navy-600),var(--navy-500));transform:translateY(-1px);box-shadow:var(--shadow-md);color:var(--white)!important}
.btn-form-prev{background:transparent;color:var(--gray-600)!important;font-weight:600;padding:0.65rem 1.75rem;border-radius:var(--radius-xl);border:1.5px solid var(--gray-200);transition:var(--transition);cursor:pointer}
.btn-form-prev:hover{border-color:var(--navy-300);color:var(--navy-700)!important}

.form-success{text-align:center;padding:3rem 1rem}
.success-icon{font-size:4rem;color:var(--success);margin-bottom:1rem}
.form-success h3{font-size:1.4rem;margin-bottom:0.75rem}
.form-success p{color:var(--gray-500);margin-bottom:1.5rem}

/* Sidebar */
.form-sidebar{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:2rem;position:sticky;top:100px}
.form-sidebar h4{font-size:1.08rem;margin-bottom:1.5rem;color:var(--navy-800)}
.sidebar-item{display:flex;gap:0.9rem;padding:0.9rem 0;border-bottom:1px solid var(--gray-100)}
.sidebar-item:last-child{border-bottom:none}
.sidebar-item>i{font-size:1.15rem;color:var(--gold);margin-top:0.15rem;flex-shrink:0}
.sidebar-item strong{display:block;font-size:0.88rem;color:var(--navy-800);margin-bottom:0.15rem}
.sidebar-item p{font-size:0.82rem;color:var(--gray-500);margin:0}


/* =============================================================
   AMORTISSEMENT TABLE
   ============================================================= */
.amort-result{background:var(--navy-50);border:1px solid var(--navy-100);border-radius:var(--radius-lg);padding:2rem;margin-top:1.5rem}
.amort-summary{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:1rem;margin-bottom:1.5rem}
.amort-summary-item{text-align:center;padding:1rem;background:var(--white);border-radius:var(--radius-md);border:1px solid var(--gray-200)}
.amort-summary-item .amort-val{font-family:var(--font-display);font-size:1.5rem;font-weight:700;color:var(--navy-700)}
.amort-summary-item .amort-lbl{font-size:0.78rem;color:var(--gray-500);margin-top:0.2rem}

.amort-table{width:100%;border-collapse:collapse;font-size:0.85rem;margin-top:1rem}
.amort-table th{background:var(--navy-700);color:var(--white);padding:0.65rem 0.75rem;font-weight:600;text-align:left;font-size:0.8rem;text-transform:uppercase;letter-spacing:0.04em}
.amort-table th:first-child{border-radius:var(--radius-sm) 0 0 0}
.amort-table th:last-child{border-radius:0 var(--radius-sm) 0 0}
.amort-table td{padding:0.55rem 0.75rem;border-bottom:1px solid var(--gray-100)}
.amort-table tr:nth-child(even){background:var(--gray-50)}
.amort-table tr:hover{background:var(--navy-50)}
.amort-table-wrap{max-height:400px;overflow-y:auto;border-radius:var(--radius-md);border:1px solid var(--gray-200)}


/* =============================================================
   SERVICE GRID (pages services)
   ============================================================= */
.service-hero-icon{width:80px;height:80px;border-radius:50%;background:linear-gradient(135deg,var(--navy-700),var(--navy-500));display:flex;align-items:center;justify-content:center;font-size:2rem;color:var(--gold-light);margin:0 auto 1.5rem;box-shadow:0 8px 24px rgba(14,37,74,0.3)}
.service-feature{display:flex;gap:1rem;padding:1.25rem 0;border-bottom:1px solid var(--gray-100)}
.service-feature:last-child{border-bottom:none}
.service-feature-icon{width:44px;height:44px;border-radius:var(--radius-sm);background:var(--navy-50);color:var(--navy-500);display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0}
.service-feature h5{font-size:0.95rem;margin-bottom:0.2rem;font-family:var(--font-body);font-weight:700;color:var(--navy-800)}
.service-feature p{font-size:0.85rem;color:var(--gray-500);margin:0}


/* =============================================================
   CONTACT INFO
   ============================================================= */
.contact-info-card{background:linear-gradient(135deg,var(--navy-800),var(--navy-700));border-radius:var(--radius-lg);padding:2rem;color:var(--white)}
.contact-info-card h4{color:var(--white);font-size:1.12rem;margin-bottom:1.5rem}
.contact-info-item{display:flex;gap:0.9rem;padding:0.9rem 0;border-bottom:1px solid rgba(255,255,255,0.08)}
.contact-info-item:last-child{border-bottom:none}
.contact-info-icon{width:40px;height:40px;border-radius:50%;background:rgba(230,180,34,0.15);display:flex;align-items:center;justify-content:center;font-size:0.95rem;flex-shrink:0;color:var(--gold-light)}
.contact-info-item strong{display:block;font-size:0.84rem}
.contact-info-item p{margin:0;font-size:0.9rem}
.contact-info-item p a{color:var(--white)}
.contact-info-item p a:hover{color:var(--gold-light)}
.contact-info-item small{font-size:0.74rem;color:rgba(255,255,255,0.4)}

.contact-faq-card{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:2rem}
.contact-faq-card h4{font-size:1.02rem;margin-bottom:1rem;color:var(--navy-800)}
.faq-item{padding:0.55rem 0;border-bottom:1px solid var(--gray-100)}
.faq-item:last-child{border-bottom:none}
.faq-item strong{display:block;font-size:0.86rem;color:var(--navy-700);margin-bottom:0.15rem}
.faq-item p{font-size:0.82rem;color:var(--gray-500);margin:0}


/* =============================================================
   REGULATORY
   ============================================================= */
.section-regulatory{background:var(--gray-50);padding:45px 0;border-bottom:1px solid var(--gray-200)}
.reg-card{padding:1.25rem}
.reg-card h4{font-size:0.98rem;margin-bottom:0.4rem;color:var(--navy-700)}
.reg-card p,.reg-card li{font-size:0.86rem;color:var(--gray-500)}
.reg-card ul{padding-left:1.2rem;margin:0.4rem 0 0}


/* =============================================================
   FOOTER
   ============================================================= */
.site-footer{background:var(--navy-900);color:rgba(255,255,255,0.6);padding:60px 0 0}
.footer-brand{font-family:var(--font-display);font-size:1.5rem;font-weight:700;color:var(--white);margin-bottom:1rem;display:flex;align-items:center;gap:0.4rem}
.footer-brand .brand-icon-sm{width:30px;height:30px;background:none;border-radius:8px;display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:0.85rem}
.footer-brand .brand-dot{color:var(--gold)}
.footer-desc{font-size:0.86rem;line-height:1.7;max-width:300px}
.footer-socials{display:flex;gap:0.65rem;margin-top:1.25rem}
.footer-socials a{width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,0.06);color:rgba(255,255,255,0.5);display:flex;align-items:center;justify-content:center;font-size:0.95rem;transition:var(--transition)}
.footer-socials a:hover{background:var(--gold);color:var(--navy-900);transform:translateY(-2px)}
.footer-heading{font-family:var(--font-body);font-size:0.82rem;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;color:var(--gold-600);margin-bottom:1.25rem}
.footer-links{list-style:none;padding:0;margin:0}
.footer-links li{margin-bottom:0.45rem}
.footer-links a{color:rgba(255,255,255,0.55);font-size:0.86rem;transition:var(--transition)}
.footer-links a:hover{color:var(--white);padding-left:3px}
.footer-contact{list-style:none;padding:0;margin:0}
.footer-contact li{display:flex;align-items:center;gap:0.7rem;margin-bottom:0.8rem;font-size:0.86rem}
.footer-contact li i{color:var(--gold);font-size:0.88rem;flex-shrink:0}
.footer-contact li a{color:rgba(255,255,255,0.55)}
.footer-contact li a:hover{color:var(--white)}
.footer-bottom{margin-top:2.5rem;padding:1.25rem 0;border-top:1px solid rgba(255,255,255,0.06);text-align:center;font-size:0.8rem}
.footer-bottom a{color:rgba(255,255,255,0.4)}
.footer-bottom a:hover{color:var(--gold-light)}


/* =============================================================
   WHATSAPP
   ============================================================= */
.whatsapp-float{position:fixed;bottom:26px;right:26px;width:58px;height:58px;border-radius:50%;background:var(--whatsapp);color:var(--white)!important;display:flex;align-items:center;justify-content:center;font-size:1.7rem;box-shadow:0 4px 20px rgba(37,211,102,0.4);z-index:1040;transition:var(--transition);animation:pulse-wa 2s infinite}
.whatsapp-float:hover{transform:scale(1.1) translateY(-2px);box-shadow:0 6px 28px rgba(37,211,102,0.5);color:var(--white)!important}


/* =============================================================
   ANIMATIONS
   ============================================================= */
@keyframes fadeInUp{from{opacity:0;transform:translateY(24px)}to{opacity:1;transform:translateY(0)}}
@keyframes pulse-wa{0%{box-shadow:0 4px 20px rgba(37,211,102,0.4)}50%{box-shadow:0 4px 20px rgba(37,211,102,0.6),0 0 0 10px rgba(37,211,102,0.08)}100%{box-shadow:0 4px 20px rgba(37,211,102,0.4)}}


/* =============================================================
   RESPONSIVE
   ============================================================= */
@media(max-width:991.98px){
    .desktop-nav{display:none!important}
    .mobile-menu-btn{display:block}
    .hero-section{padding:40px 0 50px;min-height:auto}
    .hero-title{font-size:1.9rem}
    .hero-simulator{margin-top:2rem}
    .hero-trust{flex-direction:column;gap:0.75rem}
    .section-pad{padding:60px 0}
    .form-card{padding:1.5rem}
    .form-sidebar{position:static}
    .mega-menu{display:none!important}
    .sim-projects{grid-template-columns:1fr}
    .step-connector::after{display:none}
    .amort-summary{grid-template-columns:1fr 1fr}
}
@media(max-width:575.98px){
    .hero-section{padding:25px 0 35px}
    .hero-title{font-size:1.6rem}
    .hero-simulator{padding:1.25rem}
    .sim-amount-display{font-size:1.9rem}
    .page-header{padding:40px 0}
    .page-header h1{font-size:1.55rem}
    .section-title{font-size:1.35rem}
    .form-card{padding:1rem}
    .form-card-header{flex-direction:column;text-align:center}
    .form-nav{flex-direction:column;gap:0.65rem}
    .btn-form-next,.btn-form-prev,.btn-form-submit{width:100%;text-align:center}
    .stat-value{font-size:1.9rem}
    .engagement-grid{grid-template-columns:1fr}
    .amort-summary{grid-template-columns:1fr}
    .whatsapp-float{bottom:18px;right:18px;width:50px;height:50px;font-size:1.4rem}
}