/* ============================================================
   POAI CRÉDIT - Professional Lending Website
   ============================================================ */

/* ---- Variables ---- */
:root {
  --primary: #0d2d6b;
  --primary-dark: #081b44;
  --primary-light: #1a4a9f;
  --secondary: #c9a11a;
  --secondary-light: #e5bc3a;
  --accent: #2563eb;
  --success: #16a34a;
  --danger: #dc2626;
  --warning: #d97706;

  --bg-light: #f8fafc;
  --bg-white: #ffffff;
  --bg-dark: #0a1628;

  --text-dark: #0f172a;
  --text-medium: #475569;
  --text-light: #94a3b8;
  --text-white: #ffffff;

  --border: #e2e8f0;
  --border-focus: #2563eb;

  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.06);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.10), 0 2px 6px rgba(0,0,0,0.06);
  --shadow-lg: 0 10px 40px rgba(0,0,0,0.15), 0 4px 12px rgba(0,0,0,0.08);
  --shadow-xl: 0 25px 60px rgba(0,0,0,0.20);

  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --radius-full: 9999px;

  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-fast: 0.15s ease;

  --font-sans: 'Segoe UI', system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
  --font-heading: 'Georgia', 'Times New Roman', serif;

  --container: 1200px;
  --header-height: 75px;
}

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-sans);
  color: var(--text-dark);
  background: var(--bg-white);
  line-height: 1.6;
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; transition: var(--transition); }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, textarea, select { font-family: inherit; }

/* ---- Utilities ---- */
.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

.section-padding { padding: 90px 0; }
.section-padding-sm { padding: 60px 0; }

.section-header {
  text-align: center;
  margin-bottom: 60px;
}
.section-header .badge {
  display: inline-block;
  background: rgba(37, 99, 235, 0.1);
  color: var(--accent);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: var(--radius-full);
  margin-bottom: 16px;
}
.section-header h2 {
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  font-weight: 800;
  color: var(--primary);
  line-height: 1.2;
  margin-bottom: 16px;
}
.section-header p {
  font-size: 1.05rem;
  color: var(--text-medium);
  max-width: 600px;
  margin: 0 auto;
}

/* ---- Buttons ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-full);
  font-size: 0.95rem;
  font-weight: 700;
  letter-spacing: 0.3px;
  transition: var(--transition);
  border: 2px solid transparent;
  text-align: center;
  white-space: nowrap;
}
.btn-primary {
  background: var(--secondary);
  color: var(--primary-dark);
  border-color: var(--secondary);
}
.btn-primary:hover {
  background: var(--secondary-light);
  border-color: var(--secondary-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(201,161,26,0.4);
}
.btn-outline {
  background: transparent;
  color: var(--text-white);
  border-color: rgba(255,255,255,0.6);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.15);
  border-color: white;
  transform: translateY(-2px);
}
.btn-blue {
  background: var(--primary);
  color: white;
  border-color: var(--primary);
}
.btn-blue:hover {
  background: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(13,45,107,0.4);
}
.btn-lg { padding: 16px 36px; font-size: 1.05rem; }
.btn-sm { padding: 10px 20px; font-size: 0.85rem; }
.btn-full { width: 100%; justify-content: center; }

/* ---- Header ---- */
#header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  transition: var(--transition);
}
#header.scrolled {
  background: rgba(8, 27, 68, 0.97);
  backdrop-filter: blur(20px);
  box-shadow: 0 4px 30px rgba(0,0,0,0.3);
}
#header:not(.scrolled) {
  background: transparent;
}
.navbar {
  height: var(--header-height);
  display: flex;
  align-items: center;
  width: 100%;
}
.navbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  width: 100%;
  max-width: 100%;
  padding: 0 32px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}
.logo-icon {
  width: 44px;
  height: 44px;
  background: var(--secondary);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  font-weight: 900;
  color: var(--primary-dark);
}
.logo-text { line-height: 1.2; }
.logo-text span {
  display: block;
  font-size: 1.25rem;
  font-weight: 800;
  color: white;
  letter-spacing: -0.5px;
}
.logo-text small {
  font-size: 0.7rem;
  color: var(--secondary);
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
}
.nav-menu {
  display: flex;
  align-items: center;
  gap: 2px;
  flex: 1;
  justify-content: center;
}
.nav-menu a {
  color: rgba(255,255,255,0.85);
  font-size: 0.85rem;
  font-weight: 600;
  padding: 8px 12px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  white-space: nowrap;
}
.nav-menu a:hover, .nav-menu a.active {
  color: white;
  background: rgba(255,255,255,0.12);
}
.nav-actions {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.nav-phone {
  color: rgba(255,255,255,0.75);
  font-size: 0.82rem;
  display: flex;
  align-items: center;
  gap: 6px;
  white-space: nowrap;
}
.nav-phone svg { color: var(--secondary); }

/* ---- Language Selector ---- */
.lang-selector {
  position: relative;
}
.lang-btn {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 6px 10px;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--radius-full);
  color: white;
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
  white-space: nowrap;
  transition: var(--transition-fast);
}
.lang-btn:hover { background: rgba(255,255,255,0.18); }
.lang-btn-label { display: none; }
@media (min-width: 1100px) { .lang-btn-label { display: inline; } }
.lang-arrow {
  transition: transform var(--transition-fast);
  opacity: 0.7;
}
.lang-dropdown.open ~ button .lang-arrow,
.lang-selector:has(.lang-dropdown.open) .lang-arrow { transform: rotate(180deg); }
.lang-dropdown {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  right: 0;
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  min-width: 170px;
  list-style: none;
  padding: 6px;
  z-index: 2000;
  max-height: 320px;
  overflow-y: auto;
}
.lang-dropdown.open { display: block; }
.lang-item {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 8px 10px;
  border-radius: var(--radius-sm);
  cursor: pointer;
  font-size: 0.85rem;
  color: var(--text-dark);
  transition: background var(--transition-fast);
}
.lang-item:hover { background: var(--bg-light); }
.lang-item.active { background: rgba(37,99,235,0.08); color: var(--accent); font-weight: 600; }
.lang-flag { font-size: 1.1rem; }
.lang-name { flex: 1; }

/* Mobile lang list */
.mobile-lang-list {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.mobile-lang-btn {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 6px 12px;
  border-radius: var(--radius-full);
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  color: white;
  font-size: 0.8rem;
  font-weight: 500;
  cursor: pointer;
  transition: var(--transition-fast);
}
.mobile-lang-btn:hover,
.mobile-lang-btn.active { background: var(--secondary); border-color: var(--secondary); color: var(--primary-dark); font-weight: 700; }

.menu-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
}
.menu-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: white;
  border-radius: 2px;
  transition: var(--transition);
}

/* ---- Hero ---- */
.hero {
  min-height: 100vh;
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 40%, #1a4a9f 70%, #0c3589 100%);
  position: relative;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding-top: var(--header-height);
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url('../images/hero-bg.jpg') center center / cover no-repeat;
  opacity: 0.15;
  z-index: 0;
}
.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  z-index: 0;
}
.hero-shapes {
  position: absolute;
  inset: 0;
  overflow: hidden;
  pointer-events: none;
  z-index: 1;
}
.hero-shape {
  position: absolute;
  border-radius: 50%;
  background: rgba(255,255,255,0.04);
}
.hero-shape:nth-child(1) { width: 500px; height: 500px; top: -100px; right: -100px; }
.hero-shape:nth-child(2) { width: 300px; height: 300px; bottom: -50px; left: 10%; background: rgba(201,161,26,0.08); }
.hero-shape:nth-child(3) { width: 200px; height: 200px; top: 30%; right: 20%; background: rgba(255,255,255,0.03); }

.hero .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
  padding-top: 40px;
  padding-bottom: 80px;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,161,26,0.2);
  border: 1px solid rgba(201,161,26,0.4);
  color: var(--secondary-light);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  padding: 8px 16px;
  border-radius: var(--radius-full);
  margin-bottom: 24px;
}
.hero-badge::before {
  content: '';
  width: 8px;
  height: 8px;
  background: var(--secondary);
  border-radius: 50%;
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(1.3); }
}
.hero-title {
  font-size: clamp(2rem, 5vw, 3.2rem);
  font-weight: 900;
  color: white;
  line-height: 1.1;
  margin-bottom: 20px;
}
.hero-title span { color: var(--secondary); }
.hero-subtitle {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.75);
  margin-bottom: 36px;
  line-height: 1.7;
}
.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 50px;
}
.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: rgba(255,255,255,0.15);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.hero-stat {
  background: rgba(255,255,255,0.07);
  padding: 20px 16px;
  text-align: center;
  transition: var(--transition);
}
.hero-stat:hover { background: rgba(255,255,255,0.12); }
.hero-stat-number {
  display: block;
  font-size: 1.6rem;
  font-weight: 900;
  color: var(--secondary);
  line-height: 1;
  margin-bottom: 4px;
}
.hero-stat-label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.65);
  font-weight: 600;
}

/* Hero Calculator Card */
.hero-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-xl);
  position: relative;
}
.hero-card::before {
  content: '';
  position: absolute;
  top: -2px; left: -2px; right: -2px;
  height: 4px;
  background: linear-gradient(90deg, var(--secondary), var(--secondary-light));
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
}
.hero-card-title {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.hero-card-title svg { color: var(--secondary); }
.quick-calc .form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 16px;
}
.quick-calc .form-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--text-medium);
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.quick-calc .form-control {
  width: 100%;
  padding: 12px 14px;
  border: 2px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text-dark);
  transition: var(--transition);
  background: var(--bg-light);
}
.quick-calc .form-control:focus {
  outline: none;
  border-color: var(--primary);
  background: white;
}
.quick-result {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: var(--radius-md);
  padding: 20px;
  text-align: center;
  margin-bottom: 16px;
}
.quick-result-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.7);
  font-weight: 600;
  margin-bottom: 4px;
}
.quick-result-amount {
  font-size: 2rem;
  font-weight: 900;
  color: var(--secondary);
}
.quick-result-amount span { font-size: 1rem; font-weight: 600; }

/* ---- Scroll Indicator ---- */
.scroll-indicator {
  position: absolute;
  bottom: 30px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  color: rgba(255,255,255,0.5);
  font-size: 0.75rem;
  animation: bounce 2s infinite;
}
@keyframes bounce {
  0%, 100% { transform: translateX(-50%) translateY(0); }
  50% { transform: translateX(-50%) translateY(8px); }
}
.scroll-indicator::before {
  content: '';
  width: 20px;
  height: 32px;
  border: 2px solid rgba(255,255,255,0.3);
  border-radius: 10px;
}

/* ---- Trust Bar ---- */
.trust-bar {
  background: var(--primary-dark);
  padding: 20px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.trust-bar .container {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,0.65);
  font-size: 0.85rem;
  font-weight: 600;
}
.trust-item svg { color: var(--secondary); flex-shrink: 0; }

/* ---- Loan Types ---- */
.loan-types { background: var(--bg-light); }
.loans-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 24px;
}
.loan-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
}
.loan-card::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--card-color, var(--primary));
  transform: scaleX(0);
  transform-origin: left;
  transition: var(--transition);
}
.loan-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.loan-card:hover::after { transform: scaleX(1); }
.loan-card.popular {
  border: 2px solid var(--secondary);
  box-shadow: 0 4px 20px rgba(201,161,26,0.2);
}
.popular-badge {
  position: absolute;
  top: 16px;
  right: 16px;
  background: var(--secondary);
  color: var(--primary-dark);
  font-size: 0.72rem;
  font-weight: 800;
  padding: 4px 12px;
  border-radius: var(--radius-full);
  text-transform: uppercase;
  letter-spacing: 1px;
}
/* ---- Loan card image ---- */
.loan-card-img {
  width: calc(100% + 56px);
  height: 180px;
  object-fit: cover;
  margin: -32px -28px 24px;
  display: block;
  transition: transform 0.5s ease;
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
}
.loan-card:hover .loan-card-img {
  transform: scale(1.04);
}
.loan-card-img-wrap {
  overflow: hidden;
  width: calc(100% + 56px);
  height: 180px;
  margin: -32px -28px 24px;
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
  position: relative;
}
.loan-card-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}
.loan-card:hover .loan-card-img-wrap img { transform: scale(1.06); }
.loan-card-img-wrap::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 60px;
  background: linear-gradient(to top, rgba(255,255,255,0.9), transparent);
}

.loan-icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 20px;
  background: var(--icon-bg, rgba(13,45,107,0.1));
  color: var(--card-color, var(--primary));
}
.loan-card h3 {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 10px;
}
.loan-card p {
  font-size: 0.9rem;
  color: var(--text-medium);
  line-height: 1.6;
  flex: 1;
  margin-bottom: 20px;
}
.loan-meta {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 20px;
  padding: 16px;
  background: var(--bg-light);
  border-radius: var(--radius-sm);
}
.loan-meta-item { text-align: center; }
.loan-meta-value {
  display: block;
  font-size: 0.95rem;
  font-weight: 800;
  color: var(--primary);
}
.loan-meta-label {
  font-size: 0.72rem;
  color: var(--text-light);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.loan-card .btn { font-size: 0.85rem; padding: 10px 20px; }

/* ---- Simulator ---- */
.simulator {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
  position: relative;
  overflow: hidden;
}
.simulator::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='100' height='100' viewBox='0 0 100 100' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M11 18c3.866 0 7-3.134 7-7s-3.134-7-7-7-7 3.134-7 7 3.134 7 7 7zm48 25c3.866 0 7-3.134 7-7s-3.134-7-7-7-7 3.134-7 7 3.134 7 7 7zm-43-7c1.657 0 3-1.343 3-3s-1.343-3-3-3-3 1.343-3 3 1.343 3 3 3zm63 31c1.657 0 3-1.343 3-3s-1.343-3-3-3-3 1.343-3 3 1.343 3 3 3zM34 90c1.657 0 3-1.343 3-3s-1.343-3-3-3-3 1.343-3 3 1.343 3 3 3zm56-76c1.657 0 3-1.343 3-3s-1.343-3-3-3-3 1.343-3 3 1.343 3 3 3zM12 86c2.21 0 4-1.79 4-4s-1.79-4-4-4-4 1.79-4 4 1.79 4 4 4zm28-65c2.21 0 4-1.79 4-4s-1.79-4-4-4-4 1.79-4 4 1.79 4 4 4zm23-11c2.76 0 5-2.24 5-5s-2.24-5-5-5-5 2.24-5 5 2.24 5 5 5zm-6 60c2.21 0 4-1.79 4-4s-1.79-4-4-4-4 1.79-4 4 1.79 4 4 4zm29 22c2.76 0 5-2.24 5-5s-2.24-5-5-5-5 2.24-5 5 2.24 5 5 5zM32 63c2.76 0 5-2.24 5-5s-2.24-5-5-5-5 2.24-5 5 2.24 5 5 5zm57-13c2.76 0 5-2.24 5-5s-2.24-5-5-5-5 2.24-5 5 2.24 5 5 5zm-9-21c1.105 0 2-.895 2-2s-.895-2-2-2-2 .895-2 2 .895 2 2 2zM60 91c1.105 0 2-.895 2-2s-.895-2-2-2-2 .895-2 2 .895 2 2 2zM35 41c1.105 0 2-.895 2-2s-.895-2-2-2-2 .895-2 2 .895 2 2 2z' fill='%23ffffff' fill-opacity='0.03' fill-rule='evenodd'/%3E%3C/svg%3E");
}
.simulator .section-header h2 { color: white; }
.simulator .section-header .badge { background: rgba(201,161,26,0.2); color: var(--secondary); }
.simulator .section-header p { color: rgba(255,255,255,0.65); }

.simulator-wrapper {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 40px;
  align-items: start;
  position: relative;
  z-index: 1;
}
.sim-panel {
  background: rgba(255,255,255,0.08);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  padding: 36px;
}
.sim-panel h3 {
  font-size: 1.2rem;
  font-weight: 800;
  color: white;
  margin-bottom: 28px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.sim-panel h3 svg { color: var(--secondary); }

.sim-group { margin-bottom: 28px; }
.sim-label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 10px;
}
.sim-label span:first-child {
  font-size: 0.9rem;
  font-weight: 700;
  color: rgba(255,255,255,0.8);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.sim-value {
  font-size: 1.1rem;
  font-weight: 900;
  color: var(--secondary);
  background: rgba(201,161,26,0.15);
  padding: 4px 14px;
  border-radius: var(--radius-full);
}
.sim-slider {
  width: 100%;
  -webkit-appearance: none;
  height: 6px;
  border-radius: 3px;
  background: rgba(255,255,255,0.2);
  outline: none;
  cursor: pointer;
  position: relative;
}
.sim-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--secondary);
  cursor: pointer;
  box-shadow: 0 0 0 3px rgba(201,161,26,0.3);
  transition: var(--transition);
}
.sim-slider::-webkit-slider-thumb:hover {
  transform: scale(1.2);
  box-shadow: 0 0 0 5px rgba(201,161,26,0.3);
}
.sim-slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--secondary);
  cursor: pointer;
  border: none;
}

/* ---- Sim number inputs ---- */
.sim-hint {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.4);
  font-weight: 400;
}
.sim-input-wrap {
  position: relative;
  display: flex;
  align-items: center;
}
.sim-input {
  width: 100%;
  padding: 12px 52px 12px 16px;
  background: rgba(255,255,255,0.1);
  border: 1.5px solid rgba(255,255,255,0.2);
  border-radius: var(--radius-md);
  color: white;
  font-size: 1.05rem;
  font-weight: 700;
  font-family: inherit;
  transition: border-color var(--transition-fast), background var(--transition-fast);
  -moz-appearance: textfield;
}
.sim-input::-webkit-outer-spin-button,
.sim-input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.sim-input:focus {
  outline: none;
  border-color: var(--secondary);
  background: rgba(255,255,255,0.15);
}
.sim-input-unit {
  position: absolute;
  right: 14px;
  color: var(--secondary);
  font-weight: 800;
  font-size: 0.9rem;
  pointer-events: none;
}

/* ---- PDF download button ---- */
.btn-pdf {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 7px 14px;
  background: var(--accent);
  color: white;
  border: none;
  border-radius: var(--radius-full);
  font-size: 0.82rem;
  font-weight: 700;
  cursor: pointer;
  transition: background var(--transition-fast);
}
.btn-pdf:hover { background: #1d4ed8; }

/* ---- Print / PDF styles ---- */
@media print {
  * { -webkit-print-color-adjust: exact !important; print-color-adjust: exact !important; }
  body > *:not(#print-section) { display: none !important; }
  #print-section { display: block !important; }
  .print-header { margin-bottom: 20px; }
  #print-amort-table { width: 100%; border-collapse: collapse; font-size: 0.82rem; }
  #print-amort-table th, #print-amort-table td { border: 1px solid #ddd; padding: 6px 10px; text-align: right; }
  #print-amort-table th:first-child, #print-amort-table td:first-child { text-align: center; }
  #print-amort-table thead { background: #0d2d6b; color: white; }
  #print-amort-table tbody tr:nth-child(even) { background: #f8fafc; }
}

.sim-tabs {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 10px;
}
.sim-tab {
  padding: 8px 16px;
  border-radius: var(--radius-full);
  border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.65);
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition);
}
.sim-tab:hover, .sim-tab.active {
  background: var(--secondary);
  border-color: var(--secondary);
  color: var(--primary-dark);
}

/* Result panel */
.result-panel {
  background: white;
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-xl);
}
.result-panel h3 {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.result-panel h3 svg { color: var(--secondary); }
.result-main {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: var(--radius-md);
  padding: 28px;
  text-align: center;
  margin-bottom: 24px;
}
.result-main-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.7);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 8px;
}
.result-main-value {
  font-size: 2.8rem;
  font-weight: 900;
  color: var(--secondary);
  line-height: 1;
}
.result-main-value span { font-size: 1.2rem; font-weight: 700; }
.result-main-period {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  margin-top: 6px;
}
.result-breakdown {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 24px;
}
.result-item {
  background: var(--bg-light);
  border-radius: var(--radius-sm);
  padding: 16px;
  text-align: center;
}
.result-item-value {
  display: block;
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 4px;
}
.result-item-label {
  font-size: 0.75rem;
  color: var(--text-medium);
  font-weight: 600;
}
.result-chart {
  margin-bottom: 24px;
}
.result-chart-title {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--text-medium);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 12px;
}
.chart-bar-wrapper {
  height: 10px;
  background: var(--bg-light);
  border-radius: 5px;
  overflow: hidden;
  margin-bottom: 10px;
}
.chart-bar {
  height: 100%;
  border-radius: 5px;
  display: flex;
}
.chart-bar-capital {
  background: var(--primary);
  transition: width 0.6s ease;
}
.chart-bar-interest {
  background: var(--secondary);
  transition: width 0.6s ease;
}
.chart-legend {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}
.legend-item {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.8rem;
  color: var(--text-medium);
  font-weight: 600;
}
.legend-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
}
.amort-table-wrapper {
  max-height: 250px;
  overflow-y: auto;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  margin-bottom: 24px;
}
.amort-table {
  width: 100%;
  font-size: 0.82rem;
  border-collapse: collapse;
}
.amort-table th {
  position: sticky;
  top: 0;
  background: var(--primary);
  color: white;
  padding: 10px 12px;
  text-align: left;
  font-weight: 700;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.amort-table td {
  padding: 10px 12px;
  border-bottom: 1px solid var(--border);
  color: var(--text-medium);
}
.amort-table tr:nth-child(even) td { background: var(--bg-light); }
.amort-table tr:last-child td { border-bottom: none; }
.disclaimer {
  font-size: 0.75rem;
  color: var(--text-light);
  text-align: center;
  padding: 12px;
  background: var(--bg-light);
  border-radius: var(--radius-sm);
}

/* ---- Application Form ---- */
.application { background: var(--bg-light); }
.application-wrapper {
  display: grid;
  grid-template-columns: 1fr 2.5fr;
  gap: 40px;
  align-items: start;
}
.app-sidebar {
  position: sticky;
  top: calc(var(--header-height) + 20px);
}
.app-info-card {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: var(--radius-lg);
  padding: 32px;
  color: white;
  margin-bottom: 20px;
}
.app-info-card h3 {
  font-size: 1.15rem;
  font-weight: 800;
  margin-bottom: 16px;
}
.app-steps {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.app-step {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.step-num {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: rgba(255,255,255,0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  font-weight: 800;
  flex-shrink: 0;
  color: var(--secondary);
}
.step-text {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.8);
  padding-top: 4px;
}
.app-guarantee {
  background: white;
  border-radius: var(--radius-md);
  padding: 20px;
  border: 1px solid var(--border);
}
.app-guarantee h4 {
  font-size: 0.9rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.guarantee-items {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.guarantee-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.83rem;
  color: var(--text-medium);
}
.guarantee-item svg { color: var(--success); flex-shrink: 0; }

/* Main form */
.app-form-card {
  background: white;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}
.form-progress {
  background: var(--primary);
  padding: 20px 32px;
  display: flex;
  align-items: center;
  gap: 0;
}
.progress-step {
  display: flex;
  align-items: center;
  flex: 1;
  gap: 0;
}
.progress-step:last-child { flex: 0; }
.progress-dot {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255,255,255,0.2);
  border: 2px solid rgba(255,255,255,0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.82rem;
  font-weight: 800;
  color: rgba(255,255,255,0.6);
  flex-shrink: 0;
  transition: var(--transition);
}
.progress-dot.active {
  background: var(--secondary);
  border-color: var(--secondary);
  color: var(--primary-dark);
}
.progress-dot.done {
  background: var(--success);
  border-color: var(--success);
  color: white;
}
.progress-label {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.5);
  font-weight: 600;
  text-align: center;
  margin-top: 6px;
  white-space: nowrap;
}
.progress-label.active { color: var(--secondary); }
.progress-line {
  height: 2px;
  flex: 1;
  background: rgba(255,255,255,0.15);
  margin: 0 8px;
  margin-bottom: 20px;
  transition: var(--transition);
}
.progress-line.done { background: var(--success); }
.progress-step-wrapper {
  display: flex;
  flex-direction: column;
  align-items: center;
}

.form-body { padding: 40px; }
.form-step { display: none; }
.form-step.active { display: block; }
.form-step-title {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 8px;
}
.form-step-desc {
  font-size: 0.9rem;
  color: var(--text-medium);
  margin-bottom: 32px;
}
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.form-grid.grid-3 { grid-template-columns: 1fr 1fr 1fr; }
.form-grid.full { grid-template-columns: 1fr; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group.full { grid-column: 1 / -1; }
.form-group label {
  font-size: 0.84rem;
  font-weight: 700;
  color: var(--text-dark);
  display: flex;
  align-items: center;
  gap: 4px;
}
.form-group label .required {
  color: var(--danger);
  font-size: 0.75rem;
}
.form-control {
  padding: 12px 16px;
  border: 2px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.93rem;
  color: var(--text-dark);
  background: var(--bg-light);
  transition: var(--transition);
  width: 100%;
}
.form-control:focus {
  outline: none;
  border-color: var(--primary);
  background: white;
  box-shadow: 0 0 0 3px rgba(13,45,107,0.08);
}
.form-control::placeholder { color: var(--text-light); }
.form-control.error { border-color: var(--danger); }
.form-control.success { border-color: var(--success); }
.form-hint {
  font-size: 0.75rem;
  color: var(--text-light);
}
.form-error {
  font-size: 0.75rem;
  color: var(--danger);
  display: none;
}
.form-error.show { display: block; }

.loan-type-selector {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin-bottom: 24px;
}
.loan-type-btn {
  border: 2px solid var(--border);
  border-radius: var(--radius-md);
  padding: 16px 12px;
  text-align: center;
  cursor: pointer;
  transition: var(--transition);
  background: var(--bg-light);
}
.loan-type-btn:hover {
  border-color: var(--primary-light);
  background: rgba(13,45,107,0.05);
}
.loan-type-btn.selected {
  border-color: var(--primary);
  background: rgba(13,45,107,0.08);
}
.loan-type-btn .icon { font-size: 1.5rem; margin-bottom: 6px; }
.loan-type-btn .name {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--primary);
}

.form-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 36px;
  padding-top: 24px;
  border-top: 1px solid var(--border);
}
.form-nav-info {
  font-size: 0.82rem;
  color: var(--text-light);
}
.form-nav .btn-group { display: flex; gap: 12px; }

/* Success state */
.form-success {
  display: none;
  text-align: center;
  padding: 60px 40px;
}
.form-success.show { display: block; }
.success-icon {
  width: 80px;
  height: 80px;
  background: rgba(22,163,74,0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  font-size: 2rem;
}
.form-success h3 {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 12px;
}
.form-success p {
  color: var(--text-medium);
  margin-bottom: 32px;
  max-width: 400px;
  margin-left: auto;
  margin-right: auto;
}

/* ---- Advantages ---- */
.advantages { background: white; }
.advantages-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.adv-card {
  padding: 32px 28px;
  border-radius: var(--radius-lg);
  background: var(--bg-light);
  border: 1px solid var(--border);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.adv-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  background: white;
}
.adv-icon {
  width: 54px;
  height: 54px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  font-size: 1.4rem;
}
.adv-card h3 {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 10px;
}
.adv-card p {
  font-size: 0.88rem;
  color: var(--text-medium);
  line-height: 1.7;
}

/* ---- Testimonials ---- */
.testimonials { background: var(--bg-light); }
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testimonial-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  position: relative;
}
.testimonial-card::before {
  content: '"';
  position: absolute;
  top: 20px;
  right: 24px;
  font-size: 5rem;
  color: rgba(13,45,107,0.06);
  font-family: Georgia, serif;
  line-height: 1;
}
.testimonial-stars {
  display: flex;
  gap: 3px;
  margin-bottom: 16px;
  color: var(--secondary);
  font-size: 1rem;
}
.testimonial-text {
  font-size: 0.9rem;
  color: var(--text-medium);
  line-height: 1.7;
  margin-bottom: 20px;
  font-style: italic;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  font-weight: 800;
  color: white;
  flex-shrink: 0;
}
.author-name {
  font-size: 0.9rem;
  font-weight: 800;
  color: var(--primary);
}
.author-loan {
  font-size: 0.78rem;
  color: var(--text-light);
}
.testimonial-amount {
  margin-left: auto;
  background: rgba(13,45,107,0.08);
  color: var(--primary);
  font-size: 0.8rem;
  font-weight: 800;
  padding: 4px 12px;
  border-radius: var(--radius-full);
}

/* ---- Contact ---- */
.contact { background: white; }
.contact-wrapper {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 60px;
  align-items: start;
}
.contact-info h3 {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 16px;
}
.contact-info p {
  font-size: 0.92rem;
  color: var(--text-medium);
  line-height: 1.7;
  margin-bottom: 32px;
}
.contact-methods {
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.contact-method {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 20px;
  background: var(--bg-light);
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
  transition: var(--transition);
}
.contact-method:hover {
  border-color: var(--primary);
  background: rgba(13,45,107,0.03);
}
.contact-method-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.contact-method-title {
  font-size: 0.85rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 4px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.contact-method-value {
  font-size: 0.95rem;
  color: var(--text-dark);
  font-weight: 600;
}
.contact-method-hours {
  font-size: 0.78rem;
  color: var(--text-light);
  margin-top: 2px;
}
.contact-form-card {
  background: var(--bg-light);
  border-radius: var(--radius-lg);
  padding: 40px;
  border: 1px solid var(--border);
}
.contact-form-card h3 {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 24px;
}
.contact-success {
  display: none;
  text-align: center;
  padding: 40px 20px;
}
.contact-success.show { display: block; }
.contact-success .success-icon { margin-bottom: 16px; }
.contact-success h4 {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 8px;
}
.contact-success p { font-size: 0.9rem; color: var(--text-medium); }

/* ---- CTA Banner ---- */
.cta-banner {
  background: linear-gradient(135deg, var(--secondary) 0%, var(--secondary-light) 100%);
  padding: 70px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='40' height='40' viewBox='0 0 40 40' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23000000' fill-opacity='0.04' fill-rule='evenodd'%3E%3Cpath d='M0 40L40 0H20L0 20M40 40V20L20 40'/%3E%3C/g%3E%3C/svg%3E");
}
.cta-banner .container { position: relative; z-index: 1; }
.cta-banner h2 {
  font-size: clamp(1.6rem, 4vw, 2.2rem);
  font-weight: 900;
  color: var(--primary-dark);
  margin-bottom: 12px;
}
.cta-banner p {
  font-size: 1.05rem;
  color: rgba(8,27,68,0.75);
  margin-bottom: 32px;
  max-width: 500px;
  margin-left: auto;
  margin-right: auto;
}
.cta-actions {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}
.cta-btn-dark {
  background: var(--primary-dark);
  color: white;
  border-color: var(--primary-dark);
}
.cta-btn-dark:hover {
  background: var(--primary);
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(0,0,0,0.3);
}
.cta-btn-outline-dark {
  background: transparent;
  color: var(--primary-dark);
  border-color: rgba(8,27,68,0.4);
}
.cta-btn-outline-dark:hover {
  background: rgba(8,27,68,0.1);
  border-color: var(--primary-dark);
  transform: translateY(-2px);
}

/* ---- Footer ---- */
footer {
  background: var(--bg-dark);
  color: rgba(255,255,255,0.65);
}
.footer-top {
  padding: 70px 0 40px;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 50px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand { margin-bottom: 20px; }
.footer-brand .logo { margin-bottom: 16px; }
.footer-desc {
  font-size: 0.88rem;
  line-height: 1.7;
  margin-bottom: 20px;
}
.social-links { display: flex; gap: 10px; }
.social-link {
  width: 38px;
  height: 38px;
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  transition: var(--transition);
}
.social-link:hover {
  background: var(--secondary);
  color: var(--primary-dark);
  transform: translateY(-2px);
}
.footer-col h4 {
  font-size: 0.85rem;
  font-weight: 800;
  color: white;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 20px;
}
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  transition: var(--transition);
}
.footer-links a:hover {
  color: var(--secondary);
  transform: translateX(4px);
}
.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.85rem;
  margin-bottom: 12px;
  color: rgba(255,255,255,0.55);
}
.footer-contact-item svg { color: var(--secondary); flex-shrink: 0; margin-top: 2px; }
.footer-bottom {
  padding: 20px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom-links {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}
.footer-bottom-links a {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.4);
  transition: var(--transition);
}
.footer-bottom-links a:hover { color: var(--secondary); }
.copyright {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.35);
}

/* ---- Toast ---- */
.toast-container {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 9999;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.toast {
  background: white;
  border-radius: var(--radius-md);
  padding: 16px 20px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 12px;
  min-width: 300px;
  border-left: 4px solid var(--success);
  animation: slideInRight 0.3s ease;
}
.toast.error { border-color: var(--danger); }
.toast-icon { font-size: 1.1rem; }
.toast-msg { font-size: 0.88rem; font-weight: 600; color: var(--text-dark); }
@keyframes slideInRight {
  from { transform: translateX(100%); opacity: 0; }
  to { transform: translateX(0); opacity: 1; }
}
@keyframes fadeOut {
  from { opacity: 1; }
  to { opacity: 0; transform: translateY(10px); }
}

/* ---- Back to top ---- */
#back-to-top {
  position: fixed;
  bottom: 30px;
  left: 30px;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--primary);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-md);
  transition: var(--transition);
  opacity: 0;
  pointer-events: none;
  z-index: 500;
  border: none;
  cursor: pointer;
}
#back-to-top.visible {
  opacity: 1;
  pointer-events: all;
}
#back-to-top:hover {
  background: var(--secondary);
  color: var(--primary-dark);
  transform: translateY(-3px);
}

/* ---- Mobile Menu ---- */
.mobile-menu {
  position: fixed;
  inset: 0;
  z-index: 999;
  pointer-events: none;
}
.mobile-menu-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(0,0,0,0.6);
  opacity: 0;
  transition: var(--transition);
}
.mobile-menu-panel {
  position: absolute;
  top: 0;
  right: 0;
  bottom: 0;
  width: 300px;
  background: var(--primary-dark);
  padding: 30px 24px;
  transform: translateX(100%);
  transition: var(--transition);
  overflow-y: auto;
}
.mobile-menu.open .mobile-menu-backdrop { opacity: 1; }
.mobile-menu.open .mobile-menu-panel { transform: translateX(0); }
.mobile-menu.open { pointer-events: all; }
.mobile-menu-close {
  display: flex;
  justify-content: flex-end;
  margin-bottom: 30px;
}
.mobile-menu-close button {
  color: rgba(255,255,255,0.7);
  font-size: 1.5rem;
  padding: 4px;
}
.mobile-nav-links {
  display: flex;
  flex-direction: column;
  gap: 4px;
  margin-bottom: 24px;
}
.mobile-nav-links a {
  display: block;
  color: rgba(255,255,255,0.8);
  font-size: 1rem;
  font-weight: 600;
  padding: 14px 16px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.mobile-nav-links a:hover {
  background: rgba(255,255,255,0.08);
  color: white;
}

/* ---- Responsive ---- */
@media (max-width: 1024px) {
  .hero .container { grid-template-columns: 1fr; gap: 40px; }
  .hero-content { max-width: 600px; }
  .hero-card { max-width: 500px; }
  .simulator-wrapper { grid-template-columns: 1fr; }
  .application-wrapper { grid-template-columns: 1fr; }
  .app-sidebar { position: static; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 36px; }
  .advantages-grid { grid-template-columns: 1fr 1fr; }
  .loan-type-selector { grid-template-columns: repeat(4, 1fr); }
}

@media (max-width: 768px) {
  :root { --header-height: 65px; }
  .section-padding { padding: 60px 0; }
  .nav-menu, .nav-phone { display: none; }
  .nav-actions .btn { display: none; }
  .menu-toggle { display: flex; }
  .hero .container { text-align: center; }
  .hero-actions { justify-content: center; }
  .hero-stats { max-width: 100%; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .contact-wrapper { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .advantages-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .form-grid.grid-3 { grid-template-columns: 1fr; }
  .loan-type-selector { grid-template-columns: repeat(2, 1fr); }
  .result-breakdown { grid-template-columns: 1fr; }
  .trust-bar .container { gap: 20px; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .hero-stats { grid-template-columns: 1fr; }
  .form-progress { padding: 16px; }
  .form-body { padding: 24px 20px; }
  .contact-form-card { padding: 24px 20px; }
  .quick-calc .form-row { grid-template-columns: 1fr; }
}

/* ---- Animations ---- */
.fade-in {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}
.fade-in-delay-1 { transition-delay: 0.1s; }
.fade-in-delay-2 { transition-delay: 0.2s; }
.fade-in-delay-3 { transition-delay: 0.3s; }
.fade-in-delay-4 { transition-delay: 0.4s; }
.fade-in-delay-5 { transition-delay: 0.5s; }

/* ---- Page Hero (pages internes) ---- */
.page-hero {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 60%, #1a4a9f 100%);
  padding: calc(var(--header-height) + 60px) 0 70px;
  position: relative;
  overflow: hidden;
  min-height: 340px;
  display: flex;
  align-items: center;
}
/* Photo de fond — injectée via data-bg sur chaque section */
.page-hero .hero-img-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  opacity: 0.18;
  z-index: 0;
  transition: opacity 0.5s;
}
/* Dégradé sombre au-dessus de la photo */
.page-hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, rgba(8,27,68,0.92) 0%, rgba(13,45,107,0.75) 60%, rgba(13,45,107,0.4) 100%);
  z-index: 1;
}
.page-hero .container { position: relative; z-index: 2; }
.page-hero-content {
  max-width: 680px;
}
.page-hero-content h1 {
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 900;
  color: white;
  line-height: 1.15;
  margin-bottom: 16px;
  text-shadow: 0 2px 20px rgba(0,0,0,0.3);
}
.page-hero-content p {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.82);
  line-height: 1.7;
  margin-bottom: 20px;
}
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.5);
}
.breadcrumb a {
  color: var(--secondary);
  font-weight: 600;
}
.breadcrumb a:hover { color: var(--secondary-light); }
.breadcrumb span { color: rgba(255,255,255,0.3); }

/* ---- Google Translate intégré dans le header ---- */
.translate-widget { display: flex; align-items: center; }
.goog-te-gadget { font-size: 0 !important; color: transparent !important; }
.goog-te-gadget .goog-te-gadget-simple {
  background: rgba(255,255,255,0.1) !important;
  border: 1px solid rgba(255,255,255,0.25) !important;
  border-radius: 6px !important;
  padding: 5px 10px !important;
  font-size: 0.8rem !important;
  cursor: pointer;
  transition: background 0.2s;
}
.goog-te-gadget .goog-te-gadget-simple:hover {
  background: rgba(255,255,255,0.18) !important;
}
.goog-te-gadget-simple .goog-te-menu-value span:first-child {
  color: rgba(255,255,255,0.9) !important;
  font-weight: 600 !important;
  font-size: 0.82rem !important;
}
.goog-te-gadget-simple .goog-te-menu-value span:last-child { display: none !important; }
.goog-te-gadget-simple img { display: none !important; }
.goog-te-gadget-simple::before {
  content: '🌐';
  margin-right: 5px;
  font-size: 0.85rem;
}
body { top: 0 !important; }
.skiptranslate { display: none !important; }
.goog-te-banner-frame { display: none !important; }
iframe.skiptranslate { display: none !important; }

@media (max-width: 900px) {
  .translate-widget { display: none; }
}