/* Ajouts au template Loanday : langue, formulaires, pages système */

.flag-icon {
    width: 20px;
    height: 14px;
    object-fit: cover;
    border-radius: 2px;
    vertical-align: middle;
    box-shadow: 0 0 0 1px rgba(0, 0, 0, .08);
}

/* --- Sélecteur de langue flottant --- */
.lang-switcher {
    position: fixed;
    left: 20px;
    bottom: 20px;
    z-index: 9990;
    font-family: "Lato", sans-serif;
}

.lang-switcher__toggle {
    display: flex;
    align-items: center;
    gap: 8px;
    height: 44px;
    padding: 0 14px;
    border: none;
    border-radius: 22px;
    background: #120851;
    color: #fff;
    font-weight: 700;
    font-size: 14px;
    cursor: pointer;
    box-shadow: 0 6px 20px rgba(18, 8, 81, .3);
}

.lang-switcher__toggle img,
.lang-switcher__menu img {
    width: 22px;
    height: 15px;
    object-fit: cover;
    border-radius: 2px;
}

.lang-switcher__menu {
    display: none;
    position: absolute;
    left: 0;
    bottom: 54px;
    min-width: 170px;
    margin: 0;
    padding: 6px 0;
    list-style: none;
    background: #fff;
    border-radius: 8px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, .15);
}

.lang-switcher.is-open .lang-switcher__menu {
    display: block;
}

.lang-switcher__menu a {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 8px 16px;
    color: #323232;
    font-size: 14px;
}

.lang-switcher__menu a:hover,
.lang-switcher__menu a.is-current {
    background: #f5f5f5;
    color: #120851;
    font-weight: 700;
}

/* --- Formulaires (demande de crédit, contact) --- */
.loan-form {
    background: #fff;
    padding: 40px;
    box-shadow: 0 10px 40px rgba(0, 0, 0, .06);
}

.loan-form fieldset {
    margin-bottom: 30px;
}

.loan-form legend {
    font-size: 20px;
    font-weight: 700;
    color: #120851;
    border-bottom: 2px solid #88C417;
    padding-bottom: 8px;
    margin-bottom: 20px;
}

.loan-form label {
    display: block;
    font-weight: 700;
    color: #323232;
    margin-bottom: 6px;
    font-size: 15px;
}

.loan-form label .optional {
    font-weight: 400;
    color: #8a8a8a;
    font-size: 13px;
}

.loan-form input[type=text],
.loan-form input[type=email],
.loan-form input[type=tel],
.loan-form input[type=date],
.loan-form input[type=number],
.loan-form select,
.loan-form textarea {
    width: 100%;
    height: 48px;
    padding: 0 16px;
    border: 1px solid #e1e1e1;
    font-size: 15px;
    color: #323232;
    background: #fff;
    margin-bottom: 18px;
    border-radius: 0;
}

.loan-form textarea {
    height: 120px;
    padding-top: 12px;
    resize: vertical;
}

.loan-form input:focus,
.loan-form select:focus,
.loan-form textarea:focus {
    outline: none;
    border-color: #88C417;
}

.loan-form .consent {
    display: flex;
    gap: 10px;
    align-items: flex-start;
    font-weight: 400;
    margin-bottom: 20px;
}

.loan-form .consent input {
    margin-top: 5px;
    flex-shrink: 0;
}

.loan-form .consent a {
    color: #88C417;
    text-decoration: underline;
}

.loan-form .required-note {
    font-size: 13px;
    color: #8a8a8a;
}

.hp-field {
    position: absolute !important;
    left: -10000px !important;
    width: 1px;
    height: 1px;
    overflow: hidden;
}

.form-alert {
    padding: 14px 18px;
    margin-bottom: 24px;
    border-left: 4px solid #d9534f;
    background: #fdf1f0;
    color: #a94442;
}

/* Formulaire rapide de l'accueil : select natif */
.hero__form select.no-nice,
.call__form select.no-nice {
    width: 100%;
    height: 46px;
    border: 1px solid #e1e1e1;
    padding: 0 14px;
    font-size: 15px;
    color: #5C5C5C;
    background: #fff;
    margin-bottom: 20px;
}

.call__form select.no-nice {
    height: 50px;
    border: none;
    margin-bottom: 30px;
}

/* Page contact : select de service aligné sur les inputs du template */
.contact__form__text form .input-list::after {
    content: "";
    display: table;
    clear: both;
}

.contact__form__text form select.contact-select {
    width: calc(50% - 20px);
    float: left;
    margin-right: 20px;
    height: 50px;
    border: 1px solid #ebebeb;
    border-radius: 2px;
    font-size: 13px;
    padding-left: 16px;
    color: #707070;
    background: #fff;
    margin-bottom: 20px;
}

@media (max-width: 767px) {
    .contact__form__text form select.contact-select {
        width: 100%;
        float: none;
        margin-right: 0;
    }
}

/* --- Page de remerciement --- */
.thanks {
    text-align: center;
    max-width: 720px;
    margin: 0 auto;
}

.thanks__icon {
    width: 90px;
    height: 90px;
    line-height: 90px;
    border-radius: 50%;
    background: #88C417;
    color: #fff;
    font-size: 44px;
    margin: 0 auto 30px;
}

.thanks h2 {
    color: #120851;
    font-weight: 700;
    margin-bottom: 20px;
}

.thanks__steps {
    text-align: left;
    background: #f5f5f5;
    padding: 30px 40px;
    margin: 40px 0;
}

.thanks__steps ol {
    margin: 0;
    padding-left: 20px;
}

.thanks__steps li {
    padding: 4px 0;
    color: #5C5C5C;
}

/* --- Pages légales --- */
.legal-text h4 {
    margin: 30px 0 10px;
    color: #120851;
}

.legal-text p,
.legal-text address {
    color: #5C5C5C;
    line-height: 1.8;
}

.calc-disclaimer {
    font-size: 13px;
    color: #8a8a8a;
    margin-top: 10px;
}

@media (max-width: 575px) {
    .loan-form {
        padding: 24px 16px;
    }

    .lang-switcher {
        left: 12px;
        bottom: 12px;
    }
}


/* =====================================================================
   DESIGN V2 — couche graphique moderne au-dessus du thème Loanday
   (typographie, boutons, cartes, en-tête fixe, dégradés, animations)
   ===================================================================== */

:root {
    --navy: #120851;
    --navy-2: #241a7a;
    --green: #88C417;
    --green-2: #6fa70c;
    --ink: #17152e;
    --muted: #666a7d;
    --soft: #f5f7f1;
    --radius: 18px;
    --shadow-sm: 0 4px 14px rgba(18, 8, 81, .06);
    --shadow: 0 14px 40px rgba(18, 8, 81, .10);
    --shadow-lg: 0 24px 60px rgba(18, 8, 81, .16);
    --ease: cubic-bezier(.2, .7, .2, 1);
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: "Plus Jakarta Sans", "Lato", sans-serif;
    color: var(--muted);
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
    font-family: "Plus Jakarta Sans", "Lato", sans-serif;
    color: var(--ink);
    letter-spacing: -.02em;
}

p {
    font-family: "Plus Jakarta Sans", "Lato", sans-serif;
    color: var(--muted);
    line-height: 1.75;
}

::selection {
    background: var(--green);
    color: #fff;
}

/* ---------- Préchargeur ---------- */
#preloder {
    background: var(--navy);
}

/* ---------- Boutons ---------- */
.primary-btn,
.site-btn {
    border-radius: 50px;
    padding: 15px 34px;
    font-size: 14px;
    letter-spacing: .5px;
    background: linear-gradient(135deg, #9bd62a 0%, var(--green) 45%, var(--green-2) 100%);
    box-shadow: 0 10px 24px rgba(136, 196, 23, .35);
    transition: transform .3s var(--ease), box-shadow .3s var(--ease), filter .3s;
}

.primary-btn:hover,
.site-btn:hover {
    color: #fff;
    transform: translateY(-3px);
    box-shadow: 0 16px 32px rgba(136, 196, 23, .45);
    filter: brightness(1.05);
}

.primary-btn:active,
.site-btn:active {
    transform: translateY(0);
}

.hero__text .primary-btn.howit-btn {
    background: rgba(255, 255, 255, .12);
    border: 1px solid rgba(255, 255, 255, .45);
    box-shadow: none;
    backdrop-filter: blur(6px);
}

.hero__text .primary-btn.howit-btn:hover {
    background: #fff;
    color: var(--navy);
}

/* ---------- En-tête fixe ---------- */
.header {
    position: sticky;
    top: 0;
    z-index: 999;
    background: rgba(255, 255, 255, .96);
    backdrop-filter: blur(10px);
    transition: box-shadow .3s, padding .3s;
}

.header.is-scrolled {
    box-shadow: 0 6px 30px rgba(18, 8, 81, .10);
}

.header__logo {
    padding: 22px 0;
    transition: padding .3s;
}

.header.is-scrolled .header__logo {
    padding: 12px 0;
}

.header__logo img {
    max-height: 44px;
}

.header__nav {
    padding: 0;
}

.header__menu ul li {
    margin-right: 34px;
}

.header__menu ul li:last-child {
    margin-right: 0;
}

.header__menu ul li a {
    font-size: 15px;
    font-weight: 600;
    color: var(--ink);
    transition: color .2s;
}

.header__menu ul li a:hover,
.header__menu ul li.active > a {
    color: var(--green-2);
}

.header__menu ul li a:after {
    background: var(--green);
    height: 2px;
    border-radius: 2px;
}

.header__menu ul li a.nav-apply {
    color: #fff;
    padding: 11px 24px;
    border-radius: 50px;
    background: linear-gradient(135deg, var(--navy-2), var(--navy));
    box-shadow: 0 8px 20px rgba(18, 8, 81, .25);
    transition: transform .3s var(--ease), box-shadow .3s;
}

.header__menu ul li a.nav-apply:hover {
    color: #fff;
    transform: translateY(-2px);
    box-shadow: 0 12px 26px rgba(18, 8, 81, .35);
}

.header__menu ul li a.nav-apply:after {
    display: none;
}

.header__menu ul li .dropdown {
    top: 40px;
    width: 230px;
    background: #fff;
    border-radius: 14px;
    padding: 10px 0;
    box-shadow: var(--shadow-lg);
    transform: translateY(10px);
}

.header__menu ul li:hover .dropdown {
    transform: translateY(0);
}

.header__menu ul li .dropdown li a {
    color: var(--ink);
    font-size: 14px;
    font-weight: 500;
    padding: 8px 22px;
    text-transform: none;
}

.header__menu ul li .dropdown li a:hover {
    color: var(--green-2);
    background: var(--soft);
}

.canvas__open {
    top: 50%;
    transform: translateY(-50%);
    border-radius: 10px !important;
    border-color: #e3e3ea !important;
}

.offcanvas-menu-wrapper {
    padding-top: 40px;
}

.offcanvas__cta {
    display: block;
    text-align: center;
    margin-top: 30px;
}

/* ---------- Hero ---------- */
.hero {
    position: relative;
    overflow: hidden;
    padding: 150px 0 160px;
}

.hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(110deg, rgba(18, 8, 81, .92) 0%, rgba(18, 8, 81, .72) 45%, rgba(18, 8, 81, .25) 100%);
}

.hero::after {
    content: "";
    position: absolute;
    width: 520px;
    height: 520px;
    right: -160px;
    top: -160px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(136, 196, 23, .35), rgba(136, 196, 23, 0) 70%);
    animation: floatBlob 9s ease-in-out infinite;
}

.hero .container {
    position: relative;
    z-index: 2;
}

.hero__text {
    padding-top: 60px;
}

.hero__text h2 {
    font-size: clamp(34px, 5vw, 58px);
    line-height: 1.1;
    font-weight: 800;
    color: #fff;
    margin-bottom: 26px;
}

.hero__text p {
    font-size: 18px;
    color: rgba(255, 255, 255, .85);
    margin-bottom: 40px;
}

.hero__text > *,
.hero__form {
    animation: fadeUp .9s var(--ease) both;
}

.hero__text > *:nth-child(2) { animation-delay: .12s; }
.hero__text > *:nth-child(3) { animation-delay: .24s; }
.hero__text > *:nth-child(4) { animation-delay: .32s; }
.hero__form { animation-delay: .35s; }

.hero__form {
    border-radius: 24px;
    padding: 40px 32px 36px;
    box-shadow: var(--shadow-lg);
    border: 1px solid rgba(255, 255, 255, .6);
}

.hero__form h3 {
    font-weight: 800;
    color: var(--navy);
}

.hero__form p {
    font-size: 13px;
    font-weight: 600;
    color: var(--ink);
    margin-bottom: 6px;
}

.hero__form input,
.hero__form select.no-nice {
    border-radius: 12px !important;
    border: 1px solid #e3e5ec !important;
    background: #fafbfc;
    transition: border-color .2s, box-shadow .2s;
}

.hero__form input:focus,
.hero__form select.no-nice:focus {
    outline: none;
    border-color: var(--green) !important;
    box-shadow: 0 0 0 4px rgba(136, 196, 23, .15);
}

.hero__form .site-btn {
    width: 100%;
}

/* ---------- Titres de section ---------- */
.section-title h2 {
    font-size: clamp(28px, 3.4vw, 42px);
    line-height: 1.2;
    font-weight: 800;
    color: var(--ink);
}

.section-title h2::before {
    content: "";
    display: block;
    width: 48px;
    height: 4px;
    border-radius: 4px;
    margin: 0 auto 18px;
    background: linear-gradient(90deg, var(--green), #b9e35e);
}

.home__about__text .section-title h2::before,
.call__text .section-title h2::before,
.team .section-title h2::before {
    margin-left: 0;
}

.section-title p {
    font-size: 17px;
}

/* ---------- Accueil : à propos ---------- */
.home__about__item {
    background: var(--soft);
    border-radius: var(--radius);
    padding: 24px;
    margin-bottom: 30px;
}

.home__about__img img,
.about__img img,
.history__img img,
.services__details__img img {
    border-radius: 24px;
    box-shadow: var(--shadow);
}

/* ---------- Bandeau des crédits ---------- */
.loan__services__list {
    display: flex;
    gap: 14px;
    padding: 0 14px;
}

.loan__services__item {
    float: none;
    flex: 1 1 0;
    border-radius: 22px;
    background-size: cover;
    background-position: center;
    transition: flex .6s var(--ease), transform .4s var(--ease);
}

.loan__services__item::before {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(18, 8, 81, 0) 35%, rgba(18, 8, 81, .92) 100%);
}

.loan__services__item:hover {
    flex: 1.5 1 0;
}

.loan__services__item__text {
    z-index: 2;
}

.loan__services__item__text h4 {
    font-weight: 800;
}

/* ---------- Cartes "pourquoi nous" ---------- */
.choose__item {
    border-radius: 22px;
    box-shadow: var(--shadow-sm);
    border: 1px solid #eef0f4;
    transition: transform .4s var(--ease), box-shadow .4s var(--ease);
    margin-bottom: 60px;
}

.choose__item:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-lg);
}

.choose__item img {
    transition: transform .5s var(--ease);
}

.choose__item:hover img {
    transform: scale(1.08) rotate(-4deg);
}

.choose__item h5 {
    font-weight: 700;
}

/* ---------- Témoignages ---------- */
.testimonial::before {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(18, 8, 81, .88), rgba(36, 26, 122, .7));
}

.testimonial {
    position: relative;
}

.testimonial .container {
    position: relative;
    z-index: 1;
}

.testimonial .section-title h2,
.testimonial .section-title p {
    color: #fff;
}

.testimonial__item {
    border-radius: 22px;
    box-shadow: var(--shadow);
    transition: transform .4s var(--ease);
}

.testimonial__item:hover {
    transform: translateY(-6px);
}

.testimonial__item p::before {
    content: "\201C";
    display: block;
    font-size: 54px;
    line-height: 1;
    color: var(--green);
    font-family: Georgia, serif;
    margin-bottom: -10px;
}

/* ---------- Compteurs ---------- */
.counter__item {
    background: #fff;
    border-radius: 22px;
    padding: 30px 20px;
    box-shadow: var(--shadow-sm);
    border: 1px solid #eef0f4;
}

.counter__item .counter__number h2,
.counter__item .counter__number span {
    font-weight: 800;
    color: var(--navy);
}

.counter__item p {
    font-weight: 600;
}

/* ---------- Rappel / appel à l'action ---------- */
.call {
    position: relative;
}

.call::before {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(110deg, rgba(18, 8, 81, .93), rgba(18, 8, 81, .75));
}

.call .container {
    position: relative;
    z-index: 1;
}

.call__text .section-title h2,
.call__text .section-title p {
    color: #fff;
}

.call__text a {
    color: var(--green);
    font-weight: 700;
}

.call__form input,
.call__form select.no-nice {
    border-radius: 12px;
}

/* ---------- Blog ---------- */
.latest__blog__item,
.blog__item,
.services__item,
.blog__sidebar > div {
    border-radius: 22px;
    background: #fff;
    transition: transform .4s var(--ease), box-shadow .4s var(--ease);
}

.latest__blog__item {
    border: 1px solid #eef0f4;
}

.latest__blog__item:hover,
.blog__item:hover,
.services__item:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
}

.blog__item,
.services__item {
    overflow: hidden;
    box-shadow: var(--shadow-sm);
}

.blog__item__img,
.services__item__img {
    overflow: hidden;
}

.blog__item__img img,
.services__item__img img {
    width: 100%;
    transition: transform .8s var(--ease);
}

.blog__item:hover .blog__item__img img,
.services__item:hover .services__item__img img {
    transform: scale(1.07);
}

.blog__item__text,
.services__item__text {
    padding-left: 26px;
    padding-right: 26px;
    padding-bottom: 26px;
}

.latest__blog__item h5 a,
.blog__item__text h3 a {
    color: var(--ink);
    font-weight: 700;
    transition: color .2s;
}

.latest__blog__item h5 a:hover,
.blog__item__text h3 a:hover {
    color: var(--green-2);
}

/* ---------- Bandeau contact ---------- */
.contact-widget {
    position: relative;
}

.contact-widget::before {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, rgba(136, 196, 23, .95), rgba(111, 167, 12, .9));
}

.contact-widget .container {
    position: relative;
    z-index: 1;
}

/* ---------- Fil d'Ariane ---------- */
.breadcrumb-option {
    position: relative;
    padding: 110px 0 100px;
}

.breadcrumb-option::before {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(110deg, rgba(18, 8, 81, .9), rgba(18, 8, 81, .55));
}

.breadcrumb-option .container {
    position: relative;
    z-index: 1;
}

.breadcrumb__text h2 {
    font-size: clamp(30px, 4vw, 48px);
    font-weight: 800;
    color: #fff;
    animation: fadeUp .8s var(--ease) both;
}

.breadcrumb__links {
    animation: fadeUp .8s .15s var(--ease) both;
}

/* ---------- Détail crédit / FAQ / calculateur ---------- */
.services__details__product__item {
    background: var(--soft);
    border-radius: var(--radius);
    padding: 26px;
    transition: transform .3s var(--ease), box-shadow .3s;
}

.services__details__product__item:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow);
    background: #fff;
}

.services__details__faq .card {
    border-radius: 16px !important;
    border: 1px solid #eef0f4 !important;
    overflow: hidden;
    margin-bottom: 12px;
}

.services__details__calculator {
    background: #fff;
    border-radius: 24px;
    padding: 40px;
    box-shadow: var(--shadow);
}

.services__details__calculator__total {
    border-radius: 18px;
    background: linear-gradient(160deg, var(--navy-2), var(--navy));
    padding: 24px;
}

.services__details__calculator__total__item p {
    color: rgba(255, 255, 255, .7);
}

.services__details__calculator__total__item h5 {
    color: #fff;
    font-weight: 800;
}

/* ---------- Formulaires ---------- */
.loan-form {
    border-radius: 26px;
    padding: 48px;
    box-shadow: var(--shadow);
    border: 1px solid #eef0f4;
}

.loan-form legend {
    font-weight: 800;
    color: var(--navy);
    border-bottom: none;
    display: flex;
    align-items: center;
    gap: 12px;
}

.loan-form legend::before {
    content: "";
    width: 10px;
    height: 10px;
    border-radius: 50%;
    background: var(--green);
    box-shadow: 0 0 0 5px rgba(136, 196, 23, .2);
}

.loan-form input[type=text],
.loan-form input[type=email],
.loan-form input[type=tel],
.loan-form input[type=date],
.loan-form input[type=number],
.loan-form select,
.loan-form textarea,
.contact__form__text form input,
.contact__form__text form textarea,
.contact__form__text form select.contact-select {
    border-radius: 12px;
    border: 1px solid #e3e5ec;
    background: #fafbfc;
    transition: border-color .2s, box-shadow .2s, background .2s;
}

.loan-form input:focus,
.loan-form select:focus,
.loan-form textarea:focus,
.contact__form__text form input:focus,
.contact__form__text form textarea:focus,
.contact__form__text form select:focus {
    outline: none;
    background: #fff;
    border-color: var(--green);
    box-shadow: 0 0 0 4px rgba(136, 196, 23, .15);
}

.contact__form {
    border-radius: 26px;
    box-shadow: var(--shadow);
}

.contact__address__item {
    background: #fff;
    border-radius: 22px;
    padding: 30px 20px;
    box-shadow: var(--shadow-sm);
    border: 1px solid #eef0f4;
}

.form-alert {
    border-radius: 12px;
}

/* ---------- Remerciement ---------- */
.thanks__icon {
    box-shadow: 0 0 0 12px rgba(136, 196, 23, .15), 0 0 0 24px rgba(136, 196, 23, .07);
    animation: popIn .7s var(--ease) both;
}

.thanks__steps {
    border-radius: 22px;
}

/* ---------- Footer ---------- */
.footer {
    background: linear-gradient(180deg, #120851 0%, #0b0536 100%);
}

.footer__widget h5 {
    color: #fff;
    font-weight: 700;
}

.footer__widget ul li a {
    transition: color .2s, padding .2s;
}

.footer__widget ul li a:hover {
    color: var(--green);
    padding-left: 4px;
}

.footer__copyright {
    border-top-color: rgba(255, 255, 255, .08);
}

/* ---------- Bouton retour en haut ---------- */
.back-to-top {
    position: fixed;
    right: 22px;
    bottom: 22px;
    z-index: 990;
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: linear-gradient(135deg, #9bd62a, var(--green-2));
    color: #fff;
    font-size: 24px;
    line-height: 46px;
    text-align: center;
    box-shadow: 0 10px 24px rgba(136, 196, 23, .4);
    opacity: 0;
    visibility: hidden;
    transform: translateY(20px);
    transition: opacity .3s, transform .3s var(--ease), visibility .3s;
}

.back-to-top.is-visible {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.back-to-top:hover {
    color: #fff;
    transform: translateY(-3px);
}

/* ---------- Animations d'apparition (classes posées par js/custom.js) ---------- */
.reveal {
    opacity: 0;
    transition: opacity .8s var(--ease), transform .8s var(--ease);
    will-change: opacity, transform;
}

.reveal--up { transform: translate3d(0, 40px, 0); }
.reveal--left { transform: translate3d(50px, 0, 0); }
.reveal--right { transform: translate3d(-50px, 0, 0); }

.reveal.is-visible {
    opacity: 1;
    transform: none;
}

@keyframes fadeUp {
    from { opacity: 0; transform: translate3d(0, 30px, 0); }
    to { opacity: 1; transform: none; }
}

@keyframes popIn {
    0% { opacity: 0; transform: scale(.4); }
    70% { transform: scale(1.08); }
    100% { opacity: 1; transform: scale(1); }
}

@keyframes floatBlob {
    0%, 100% { transform: translate(0, 0) scale(1); }
    50% { transform: translate(-40px, 30px) scale(1.1); }
}

@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation: none !important;
        transition: none !important;
    }
    .reveal { opacity: 1; transform: none; }
}

/* ---------- Responsive ---------- */
@media (max-width: 991px) {
    .hero {
        padding: 90px 0 100px;
    }
    .hero__text {
        padding-top: 0;
        margin-bottom: 40px;
    }
    .loan__services__list {
        flex-wrap: wrap;
    }
    .loan__services__item,
    .loan__services__item:hover {
        flex: 1 1 calc(50% - 14px);
        height: 340px;
    }
}

@media (max-width: 575px) {
    .loan__services__item,
    .loan__services__item:hover {
        flex: 1 1 100%;
    }
    .loan-form {
        padding: 28px 18px;
        border-radius: 20px;
    }
    .services__details__calculator {
        padding: 24px 16px;
    }
}


/* =====================================================================
   PAGE CONFIDENTIALITÉ (RGPD) + BANDEAU COOKIES
   ===================================================================== */

.gdpr {
    background: var(--soft);
}

.gdpr-toc {
    position: sticky;
    top: 110px;
    background: #fff;
    border-radius: 20px;
    padding: 24px 22px;
    box-shadow: var(--shadow-sm);
    border: 1px solid #eef0f4;
    max-height: calc(100vh - 140px);
    overflow-y: auto;
}

.gdpr-toc h6 {
    font-size: 12px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: .08em;
    color: var(--muted);
    margin-bottom: 14px;
}

.gdpr-toc ol {
    margin: 0;
    padding: 0;
    list-style: none;
    counter-reset: toc;
}

.gdpr-toc li {
    counter-increment: toc;
}

.gdpr-toc a {
    display: flex;
    gap: 10px;
    padding: 7px 10px;
    border-radius: 10px;
    font-size: 14px;
    font-weight: 600;
    color: var(--ink);
    line-height: 1.35;
    transition: background .2s, color .2s;
}

.gdpr-toc a::before {
    content: counter(toc);
    flex-shrink: 0;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--soft);
    color: var(--green-2);
    font-size: 11px;
    font-weight: 800;
    display: grid;
    place-items: center;
}

.gdpr-toc a:hover,
.gdpr-toc a.is-active {
    background: var(--soft);
    color: var(--green-2);
}

.gdpr-content {
    background: #fff;
    border-radius: 26px;
    padding: 48px 52px;
    box-shadow: var(--shadow);
    border: 1px solid #eef0f4;
}

.gdpr-updated {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    font-weight: 600;
    color: var(--green-2);
    background: rgba(136, 196, 23, .1);
    border-radius: 30px;
    padding: 6px 14px;
    margin-bottom: 20px;
}

.gdpr-intro {
    font-size: 17px;
    color: var(--ink);
}

.gdpr-summary {
    margin: 30px 0 10px;
    padding: 26px 30px;
    border-radius: 20px;
    background: linear-gradient(135deg, var(--navy-2), var(--navy));
    color: #fff;
}

.gdpr-summary h4 {
    color: #fff;
    font-weight: 800;
    font-size: 19px;
    margin-bottom: 14px;
}

.gdpr-summary h4 i {
    color: #b9e35e;
    margin-right: 6px;
}

.gdpr-summary .gdpr-list li {
    color: rgba(255, 255, 255, .88);
}

.gdpr-summary .gdpr-list li::before {
    background: #b9e35e;
}

.gdpr-section {
    padding-top: 34px;
    margin-top: 34px;
    border-top: 1px solid #eef0f4;
    scroll-margin-top: 110px;
}

.gdpr-section h3 {
    display: flex;
    align-items: center;
    gap: 14px;
    font-size: 22px;
    font-weight: 800;
    color: var(--ink);
    margin-bottom: 16px;
}

.gdpr-num {
    flex-shrink: 0;
    width: 38px;
    height: 38px;
    border-radius: 12px;
    display: grid;
    place-items: center;
    font-size: 15px;
    font-weight: 800;
    color: #fff;
    background: linear-gradient(135deg, #9bd62a, var(--green-2));
    box-shadow: 0 6px 16px rgba(136, 196, 23, .3);
}

.gdpr-section p,
.gdpr-list li {
    font-size: 15.5px;
    line-height: 1.8;
    color: var(--muted);
}

.gdpr-section a {
    color: var(--green-2);
    font-weight: 600;
}

.gdpr-list {
    list-style: none;
    margin: 0 0 16px;
    padding: 0;
}

.gdpr-list li {
    position: relative;
    padding-left: 24px;
    margin-bottom: 8px;
}

.gdpr-list li::before {
    content: "";
    position: absolute;
    left: 4px;
    top: 11px;
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--green);
}

.gdpr-contact {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    margin-top: 44px;
    padding: 28px 30px;
    border-radius: 20px;
    background: var(--soft);
    border: 1px dashed rgba(136, 196, 23, .5);
}

.gdpr-contact h4 {
    font-weight: 800;
    margin-bottom: 4px;
}

.gdpr-contact p {
    margin: 0;
}

.gdpr-contact__actions {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
}

.gdpr-contact__actions .primary-btn {
    text-transform: none;
}

.primary-btn--ghost {
    background: #fff;
    color: var(--navy);
    border: 1px solid #dfe2ec;
    box-shadow: none;
}

.primary-btn--ghost:hover {
    color: var(--navy);
    box-shadow: var(--shadow);
}

@media (max-width: 767px) {
    .gdpr-content {
        padding: 28px 20px;
        border-radius: 20px;
    }

    .gdpr-summary {
        padding: 22px 20px;
    }

    .gdpr-section h3 {
        font-size: 19px;
    }
}

/* ---------- Bandeau cookies ---------- */
.cookie-banner {
    position: fixed;
    left: 50%;
    bottom: 20px;
    z-index: 9995;
    width: min(760px, calc(100% - 32px));
    display: flex;
    align-items: center;
    gap: 18px;
    padding: 20px 22px;
    background: #fff;
    border-radius: 20px;
    box-shadow: 0 24px 60px rgba(18, 8, 81, .25);
    border: 1px solid #eef0f4;
    transform: translate(-50%, 30px);
    opacity: 0;
    transition: transform .4s var(--ease), opacity .4s var(--ease);
}

.cookie-banner.is-visible {
    transform: translate(-50%, 0);
    opacity: 1;
}

.cookie-banner[hidden] {
    display: none;
}

.cookie-banner__icon {
    flex-shrink: 0;
    width: 48px;
    height: 48px;
    border-radius: 14px;
    display: grid;
    place-items: center;
    font-size: 22px;
    color: var(--green-2);
    background: rgba(136, 196, 23, .12);
}

.cookie-banner__text strong {
    display: block;
    color: var(--ink);
    font-size: 16px;
    margin-bottom: 2px;
}

.cookie-banner__text p {
    margin: 0;
    font-size: 13.5px;
    line-height: 1.55;
}

.cookie-banner__text a {
    color: var(--green-2);
    font-weight: 600;
    text-decoration: underline;
}

.cookie-banner__actions {
    display: flex;
    gap: 8px;
    flex-shrink: 0;
}

.cookie-btn {
    border: 0;
    border-radius: 50px;
    padding: 11px 22px;
    font-weight: 700;
    font-size: 14px;
    cursor: pointer;
    color: #fff;
    background: linear-gradient(135deg, #9bd62a, var(--green-2));
    box-shadow: 0 8px 18px rgba(136, 196, 23, .3);
    transition: transform .2s var(--ease);
}

.cookie-btn:hover {
    transform: translateY(-2px);
}

/* Refuser aussi visible qu'Accepter (exigence des autorités de protection des données) */
.cookie-btn--ghost {
    background: #fff;
    color: var(--navy);
    border: 1px solid #dfe2ec;
    box-shadow: none;
}

@media (max-width: 640px) {
    .cookie-banner {
        flex-wrap: wrap;
        bottom: 12px;
        padding: 18px;
    }

    .cookie-banner__icon {
        display: none;
    }

    .cookie-banner__actions {
        width: 100%;
    }

    .cookie-btn {
        flex: 1;
    }
}