/* ============================================================
   ROYAL BLUE THEME — Force overrides
   ============================================================ */
.public-navbar { background: #1a4f8a !important; border-bottom: 2px solid rgba(201,162,39,.45) !important; }
.nav-brand { color: #ffffff !important; }
.nav-brand i { color: #e07530 !important; }
.nav-menu a { color: rgba(255,255,255,.82) !important; }
.nav-menu a:hover { color: #e07530 !important; background: rgba(255,255,255,.1) !important; }
.btn-login { border-color: rgba(255,255,255,.55) !important; color: #fff !important; background: transparent !important; }
.btn-login:hover { background: rgba(255,255,255,.15) !important; }
.btn-status { border-color: rgba(255,255,255,.35) !important; background: rgba(255,255,255,.1) !important; color: rgba(255,255,255,.85) !important; }
.btn-cta { background: #e07530 !important; color: #1a4f8a !important; }
.hamburger span { background: #ffffff !important; }

/* Trust bar */
.trust-bar { background: #0d3060 !important; }

/* Hero — fond blanc, texte sombre */
.hero-slider { background: #ffffff !important; }
.slide { background: #ffffff !important; color: var(--text-primary) !important; }
.hero-slide-content h1,
.slide-content h1 { color: #0d2845 !important; text-shadow: none !important; }
.hero-slide-content p,
.slide-content p { color: #456080 !important; text-shadow: none !important; }

/* Section titles */
.section-title { color: #1a4f8a !important; }
.section-subtitle { color: #456080 !important; }
/* Loans section — fond navy donc texte blanc */
.loans-section .section-title { color: #ffffff !important; }
.loans-section .section-subtitle { color: rgba(255,255,255,.7) !important; }

/* Service cards */
.service-card { border-top: 3px solid #e07530 !important; }
.service-icon { background: linear-gradient(135deg, rgba(26,79,138,.1) 0%, rgba(201,162,39,.12) 100%) !important; color: #1a4f8a !important; }

/* Payment method cards */
.payment-method-card { border-top: 3px solid #1a4f8a !important; }
.payment-method-icon { background: linear-gradient(135deg, rgba(26,79,138,.1), rgba(26,79,138,.05)) !important; color: #1a4f8a !important; }
.payment-method-card h3 { color: #1a4f8a !important; }

/* CTA section */
.cta-section { background: linear-gradient(135deg, #1a4f8a 0%, #2266a8 60%, #3080c0 100%) !important; }

/* About section */
.about-stat-value { color: #1a4f8a !important; }

/* Footer */
.footer { background: #0d3060 !important; }
.footer-logo { color: #ffffff !important; }
.footer-logo i { color: #e07530 !important; }
.footer-bottom { background: #ffffff !important; border-top: 1px solid #c0d5e8 !important; }
.footer-bottom p, .footer-bottom p small { color: #485689 !important; }

/* Body background */
body { background: #f2f7fc !important; }
.section { background: #ffffff; }
.section:nth-child(even) { background: #f2f7fc; }

/* ============================================================
   LANGUAGE SELECT — Flag dropdown
   ============================================================ */

.lang-select {
    padding: 7px 12px;
    border: 1.5px solid rgba(255,255,255,.35);
    border-radius: 8px;
    background: rgba(255,255,255,.12);
    cursor: pointer;
    font-family: 'Inter', sans-serif;
    font-size: 14px;
    font-weight: 600;
    color: #ffffff;
    outline: none;
    transition: border-color .2s, background .2s;
    appearance: auto;
}

.lang-select:hover,
.lang-select:focus {
    border-color: var(--gold);
    background: rgba(255,255,255,.18);
}

.lang-select option {
    background: #1a4f8a;
    color: #ffffff;
}

.lang-select-mobile {
    width: 100%;
    padding: 10px 14px;
    font-size: 14px;
    margin-bottom: 6px;
    background: #1a4f8a;
    color: #ffffff;
    border-color: rgba(255,255,255,.4);
}

/* ============================================================
   BANQUE PREMIUM — Design professionnel Navy / Or
   Google Fonts: Inter | Images: Unsplash CDN
   ============================================================ */

/* ── Google Fonts ─────────────────────────────────────────── */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=Playfair+Display:wght@600;700&display=swap');

/* Force light color scheme */
:root { color-scheme: light; }

/* ── Design Tokens ────────────────────────────────────────── */
:root {
    /* ── Royal Blue Premium palette ── */
    --navy:           #1a4f8a;
    --navy-mid:       #2266a8;
    --navy-light:     #3080c0;
    --gold:           #e07530;
    --gold-light:     #f08840;
    --gold-pale:      #fff5ee;
    --white:          #ffffff;
    --light:          #f2f7fc;
    --light-alt:      #ddeef8;
    --text-primary:   #0d2845;
    --text-secondary: #456080;
    --border:         #c0d5e8;
    --teal:           #309688;
    --teal-light:     #3ab8a0;
    --success:        #309688;
    --danger:         #dc2626;

    --primary-color:  var(--navy);
    --accent-color:   var(--gold);

    --radius-sm:  6px;
    --radius-md:  12px;
    --radius-lg:  20px;
    --radius-xl:  32px;

    --shadow-sm:  0 1px 4px rgba(26,79,138,.08);
    --shadow-md:  0 4px 16px rgba(26,79,138,.12);
    --shadow-lg:  0 10px 36px rgba(26,79,138,.18);
    --shadow-xl:  0 20px 60px rgba(26,79,138,.24);

    --public-navbar-height: 78px;

    /* CDN Images */
    --img-hero-1:    url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?w=1600&q=80&auto=format&fit=crop');
    --img-hero-2:    url('https://images.unsplash.com/photo-1556742049-0cfed4f6a45d?w=1600&q=80&auto=format&fit=crop');
    --img-hero-3:    url('https://images.unsplash.com/photo-1563013544-824ae1b704d3?w=1600&q=80&auto=format&fit=crop');
    --img-hero-4:    url('https://images.unsplash.com/photo-1450101499163-c8848c66ca85?w=1600&q=80&auto=format&fit=crop');
    --img-about:     url('https://images.unsplash.com/photo-1560472355-536de3962603?w=700&q=80&auto=format&fit=crop');
}

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

html { scroll-behavior: smooth; }

body {
    font-family: 'Inter', 'Segoe UI', sans-serif;
    color: var(--text-primary);
    line-height: 1.65;
    overflow-x: hidden;
    background: var(--white);
    -webkit-font-smoothing: antialiased;
}

.container {
    max-width: 1220px;
    margin: 0 auto;
    padding: 0 24px;
}

/* ============================================================
   NAVIGATION
   ============================================================ */
.public-navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    background: #1a4f8a;
    border-bottom: 2px solid rgba(201,162,39,.45);
    box-shadow: 0 4px 24px rgba(26,79,138,.3);
    z-index: 1000;
    transition: box-shadow .3s;
}

.nav-container {
    max-width: 1220px;
    margin: 0 auto;
    padding: 0 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: var(--public-navbar-height);
    gap: 20px;
}

.nav-brand {
    display: flex;
    align-items: center;
    gap: 10px;
    font-family: 'Playfair Display', serif;
    font-size: 22px;
    font-weight: 700;
    color: #ffffff;
    cursor: pointer;
    text-decoration: none;
    flex-shrink: 0;
}

.nav-brand i {
    font-size: 24px;
    color: var(--gold);
}

.nav-menu {
    display: flex;
    list-style: none;
    gap: 6px;
    margin: 0 auto;
}

.nav-menu a {
    text-decoration: none;
    color: rgba(255,255,255,.82);
    font-weight: 500;
    font-size: 13.5px;
    padding: 8px 12px;
    border-radius: var(--radius-sm);
    transition: color .25s, background .25s;
    white-space: nowrap;
}

.nav-menu a:hover {
    color: var(--gold);
    background: rgba(255,255,255,.10);
}

.nav-actions {
    display: flex;
    align-items: center;
    gap: 10px;
    flex-shrink: 0;
}

/* ── Boutons Nav ───────────────────────────────────────────── */
.btn-status {
    padding: 8px 16px;
    border-radius: var(--radius-sm);
    border: 1.5px solid rgba(255,255,255,.35);
    background: rgba(255,255,255,.10);
    color: rgba(255,255,255,.85);
    font-size: 13px;
    font-weight: 500;
    cursor: pointer;
    transition: all .25s;
    display: inline-flex;
    align-items: center;
    gap: 6px;
}

.btn-status:hover {
    border-color: var(--gold);
    color: var(--gold);
    background: rgba(255,255,255,.15);
}

.btn-login {
    padding: 9px 20px;
    background: transparent;
    border: 1.5px solid rgba(255,255,255,.55);
    color: #ffffff;
    border-radius: var(--radius-sm);
    cursor: pointer;
    font-weight: 600;
    font-size: 13px;
    transition: all .25s;
    font-family: 'Inter', sans-serif;
}

.btn-login:hover {
    background: rgba(255,255,255,.15);
    border-color: #ffffff;
    color: #ffffff;
}

.btn-cta {
    padding: 10px 22px;
    background: var(--gold);
    color: var(--navy);
    border: none;
    border-radius: var(--radius-sm);
    cursor: pointer;
    font-weight: 700;
    font-size: 13px;
    transition: all .25s;
    font-family: 'Inter', sans-serif;
    box-shadow: 0 2px 8px rgba(201,162,39,.3);
}

.btn-cta:hover {
    background: var(--gold-light);
    transform: translateY(-2px);
    box-shadow: 0 6px 18px rgba(201,162,39,.4);
}

/* ── Hamburger ─────────────────────────────────────────────── */
.hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    cursor: pointer;
    padding: 4px;
}

.hamburger span {
    width: 24px;
    height: 2.5px;
    background: var(--navy);
    border-radius: 2px;
    transition: all .3s;
}

.hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ── Mobile Quick Actions ──────────────────────────────────── */
.mobile-quick-actions {
    display: none;
}

.mobile-action-btn {
    border-radius: 10px;
    border: 2px solid transparent;
    font-size: 13px;
    font-weight: 600;
    padding: 10px 12px;
    min-height: 44px;
    cursor: pointer;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    transition: all .2s ease;
    font-family: 'Inter', sans-serif;
}

.mobile-action-secondary {
    background: #ffffff;
    color: var(--navy);
    border-color: var(--navy);
}

.mobile-action-secondary:hover {
    background: var(--gold-pale);
}

.mobile-action-primary {
    background: var(--gold);
    color: var(--navy);
    font-weight: 700;
}

.mobile-action-primary:hover {
    background: var(--gold-light);
    transform: translateY(-1px);
    box-shadow: 0 6px 16px rgba(201,162,39,.35);
}

.mobile-action-full {
    grid-column: 1 / -1;
}

/* ============================================================
   HERO SLIDER
   ============================================================ */
.hero-slider {
    margin-top: var(--public-navbar-height);
    height: calc(100vh - var(--public-navbar-height));
    min-height: 580px;
    position: relative;
    overflow: hidden;
    background: #ffffff;
}

.slider-container {
    height: 100%;
    position: relative;
}

.slide {
    position: absolute;
    inset: 0;
    opacity: 0;
    transition: opacity 1.4s ease-in-out;
    display: flex;
    align-items: center;
    padding: 0 8%;
    color: var(--text-primary);
    background: #ffffff;
    background-size: cover;
    background-position: center;
}

/* Default hero slides (no admin images) — Unsplash backgrounds */
.slide:nth-child(1) {
    background-image: linear-gradient(90deg, rgba(255,255,255,0.72) 0%, rgba(255,255,255,0.50) 55%, rgba(255,255,255,0.10) 100%),
                      var(--img-hero-1);
    background-size: cover;
    background-position: center;
}
.slide:nth-child(2) {
    background-image: linear-gradient(90deg, rgba(255,255,255,0.72) 0%, rgba(255,255,255,0.50) 55%, rgba(255,255,255,0.10) 100%),
                      var(--img-hero-2);
    background-size: cover;
    background-position: center;
}
.slide:nth-child(3) {
    background-image: linear-gradient(90deg, rgba(255,255,255,0.72) 0%, rgba(255,255,255,0.50) 55%, rgba(255,255,255,0.10) 100%),
                      var(--img-hero-3);
    background-size: cover;
    background-position: center;
}
.slide:nth-child(4) {
    background-image: linear-gradient(90deg, rgba(255,255,255,0.72) 0%, rgba(255,255,255,0.50) 55%, rgba(255,255,255,0.10) 100%),
                      var(--img-hero-4);
    background-size: cover;
    background-position: center;
}

.slide.active { opacity: 1; }

/* Slides with uploaded photos */
.slide-image.slide-photo {
    position: absolute;
    inset: 0;
    z-index: 0;
    width: 100%;
    height: 100%;
    opacity: 1;
    font-size: 0;
}

.slide-image.slide-photo img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}

.slide-image.slide-photo::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(
        90deg,
        rgba(255,255,255,0.72) 0%,
        rgba(255,255,255,0.50) 55%,
        rgba(255,255,255,0.08) 100%
    );
    z-index: 1;
}

/* Decorative icon for slides without photos */
.slide-image:not(.slide-photo) {
    position: absolute;
    right: 6%;
    top: 50%;
    transform: translateY(-50%);
    font-size: 220px;
    opacity: .07;
    z-index: 1;
    animation: float 5s ease-in-out infinite;
}

/* Default slides with inline background-image */
.slide.slide-photo {
    background-size: cover !important;
    background-position: center !important;
}

.slide-bg-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        90deg,
        rgba(255,255,255,0.72) 0%,
        rgba(255,255,255,0.45) 55%,
        rgba(255,255,255,0.06) 100%
    );
    z-index: 1;
}

.slide-content {
    position: relative;
    z-index: 2;
    max-width: 620px;
    animation: slideInLeft 1s ease-out;
}

/* Gold accent bar above title */
.slide-content::before {
    content: '';
    display: block;
    width: 56px;
    height: 3px;
    background: var(--gold);
    border-radius: 2px;
    margin-bottom: 22px;
}

.slide-content h1 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(32px, 4.5vw, 58px);
    margin-bottom: 18px;
    line-height: 1.12;
    font-weight: 700;
    color: var(--text-primary);
    text-shadow: none;
    letter-spacing: -0.5px;
}

.slide-content p {
    font-size: clamp(15px, 1.8vw, 19px);
    margin-bottom: 38px;
    opacity: .88;
    line-height: 1.7;
    text-shadow: none;
    font-weight: 300;
    color: var(--text-secondary);
}

.btn-hero {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 16px 40px;
    background: var(--gold);
    color: var(--navy);
    border: none;
    border-radius: var(--radius-xl);
    font-size: 15px;
    font-weight: 700;
    cursor: pointer;
    transition: all .3s;
    box-shadow: 0 8px 28px rgba(201,162,39,.45);
    font-family: 'Inter', sans-serif;
    letter-spacing: .3px;
}

.btn-hero:hover {
    background: var(--gold-light);
    transform: translateY(-3px);
    box-shadow: 0 14px 40px rgba(201,162,39,.55);
}

/* Slider controls */
.slider-btn {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    background: rgba(255,255,255,.12);
    backdrop-filter: blur(6px);
    color: white;
    border: 1px solid rgba(255,255,255,.2);
    width: 50px;
    height: 50px;
    border-radius: 50%;
    cursor: pointer;
    font-size: 18px;
    transition: all .3s;
    z-index: 10;
}

.slider-btn:hover {
    background: rgba(201,162,39,.6);
    border-color: var(--gold);
}

.slider-btn.prev { left: 30px; }
.slider-btn.next { right: 30px; }

.slider-dots {
    position: absolute;
    bottom: 32px;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    gap: 10px;
    z-index: 10;
}

.dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: rgba(255,255,255,.35);
    cursor: pointer;
    transition: all .3s;
    border: 1px solid rgba(255,255,255,.2);
}

.dot.active {
    background: var(--gold);
    width: 28px;
    border-radius: 4px;
    border-color: var(--gold);
}

/* ── Scroll indicator hero ────────────────────────────────── */
.hero-slider::after {
    content: '';
    position: absolute;
    bottom: 80px;
    left: 50%;
    transform: translateX(-50%);
    width: 26px;
    height: 42px;
    border: 2px solid rgba(255,255,255,.35);
    border-radius: 13px;
    z-index: 10;
    animation: scrollBounce 2.4s ease-in-out infinite;
    pointer-events: none;
}

.hero-slider::before {
    content: '';
    position: absolute;
    bottom: 88px;
    left: calc(50% - 3px);
    width: 6px;
    height: 10px;
    background: rgba(255,255,255,.7);
    border-radius: 3px;
    z-index: 11;
    animation: scrollBounce 2.4s ease-in-out infinite;
    pointer-events: none;
}

@keyframes scrollBounce {
    0%, 100% { opacity: .6; transform: translateX(-50%) translateY(0); }
    50%       { opacity: 1;  transform: translateX(-50%) translateY(6px); }
}

/* ── Trust bar under hero ──────────────────────────────────── */
.trust-bar {
    background: var(--navy);
    padding: 16px 0;
    border-bottom: 1px solid rgba(201,162,39,.2);
}

.trust-bar-inner {
    max-width: 1220px;
    margin: 0 auto;
    padding: 0 24px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 48px;
    flex-wrap: wrap;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 10px;
    color: rgba(255,255,255,.75);
    font-size: 13px;
    font-weight: 500;
    letter-spacing: .2px;
}

.trust-item i {
    color: var(--gold);
    font-size: 16px;
}

/* ============================================================
   SECTIONS COMMUNES
   ============================================================ */
.section-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(28px, 3.5vw, 42px);
    text-align: center;
    margin-bottom: 12px;
    color: var(--navy);
    font-weight: 700;
    line-height: 1.2;
}

.section-subtitle {
    text-align: center;
    color: var(--text-secondary);
    font-size: 17px;
    margin-bottom: 56px;
    font-weight: 400;
}

/* Gold underline on section titles */
.section-title::after {
    content: '';
    display: block;
    width: 48px;
    height: 3px;
    background: var(--gold);
    border-radius: 2px;
    margin: 14px auto 0;
}

/* ============================================================
   CTA BAND
   ============================================================ */
.cta-band {
    background: linear-gradient(135deg, var(--gold) 0%, #b8911e 100%);
    padding: 56px 0;
    position: relative;
    overflow: hidden;
}

.cta-band::before {
    content: '';
    position: absolute;
    top: -60px;
    right: -60px;
    width: 300px;
    height: 300px;
    background: rgba(255,255,255,.08);
    border-radius: 50%;
    pointer-events: none;
}

.cta-band::after {
    content: '';
    position: absolute;
    bottom: -80px;
    left: 5%;
    width: 200px;
    height: 200px;
    background: rgba(10,22,40,.07);
    border-radius: 50%;
    pointer-events: none;
}

.cta-band-inner {
    max-width: 1220px;
    margin: 0 auto;
    padding: 0 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 40px;
    position: relative;
    z-index: 1;
}

.cta-band-text h2 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(22px, 2.8vw, 32px);
    color: var(--navy);
    font-weight: 700;
    margin-bottom: 8px;
    line-height: 1.2;
}

.cta-band-text p {
    color: rgba(10,22,40,.7);
    font-size: 16px;
    margin: 0;
}

.cta-band-actions {
    display: flex;
    gap: 16px;
    flex-shrink: 0;
    flex-wrap: wrap;
}

.cta-band-btn-primary {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 14px 30px;
    background: var(--navy);
    color: white;
    border: none;
    border-radius: var(--radius-xl);
    font-size: 15px;
    font-weight: 700;
    cursor: pointer;
    transition: all .3s;
    font-family: 'Inter', sans-serif;
    white-space: nowrap;
    box-shadow: 0 4px 16px rgba(10,22,40,.3);
}

.cta-band-btn-primary:hover {
    background: var(--navy-light);
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(10,22,40,.4);
}

.cta-band-btn-secondary {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 26px;
    background: transparent;
    color: var(--navy);
    border: 2px solid var(--navy);
    border-radius: var(--radius-xl);
    font-size: 15px;
    font-weight: 600;
    cursor: pointer;
    transition: all .3s;
    font-family: 'Inter', sans-serif;
    white-space: nowrap;
}

.cta-band-btn-secondary:hover {
    background: rgba(10,22,40,.1);
}

/* ============================================================
   SERVICES
   ============================================================ */
.services-section {
    padding: 96px 0;
    background: var(--light);
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 28px;
}

.service-card {
    background: var(--white);
    padding: 40px 36px;
    border-radius: var(--radius-lg);
    text-align: center;
    transition: all .35s cubic-bezier(.4,0,.2,1);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border);
    position: relative;
    overflow: hidden;
}

.service-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--gold) 0%, var(--gold-light) 100%);
    opacity: 0;
    transition: opacity .3s;
}

.service-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(201,162,39,.3);
}

.service-card:hover::before { opacity: 1; }

.service-icon {
    width: 76px;
    height: 76px;
    margin: 0 auto 22px;
    background: var(--gold-pale);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 32px;
    color: var(--gold);
    border: 2px solid rgba(201,162,39,.2);
    transition: all .3s;
}

.service-card:hover .service-icon {
    background: var(--navy);
    color: var(--gold);
    border-color: var(--navy);
}

.service-card h3 {
    font-size: 19px;
    margin-bottom: 12px;
    color: var(--navy);
    font-weight: 700;
}

.service-card p {
    color: var(--text-secondary);
    line-height: 1.75;
    font-size: 15px;
}

/* ============================================================
   À PROPOS
   ============================================================ */
.about-section {
    padding: 100px 0;
    background: var(--white);
}

.about-grid {
    display: grid;
    grid-template-columns: 1.4fr 1fr;
    gap: 72px;
    align-items: center;
}

.about-content .section-title {
    text-align: left;
    margin-bottom: 22px;
}

.about-content .section-title::after {
    margin: 14px 0 0;
}

.about-content > p {
    font-size: 17px;
    color: var(--text-secondary);
    margin-bottom: 18px;
    line-height: 1.8;
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
    margin: 40px 0;
}

.stat-item {
    text-align: center;
    padding: 22px 10px;
    background: var(--navy);
    border-radius: var(--radius-md);
    position: relative;
    overflow: hidden;
}

.stat-item::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 20%;
    right: 20%;
    height: 2px;
    background: var(--gold);
    border-radius: 1px;
}

.stat-item h3 {
    font-size: 26px;
    color: var(--gold);
    margin-bottom: 6px;
    font-weight: 800;
    font-family: 'Playfair Display', serif;
}

.stat-item p {
    color: rgba(255,255,255,.65);
    font-size: 12px;
    text-transform: uppercase;
    letter-spacing: .8px;
    font-weight: 500;
}

.about-features {
    display: flex;
    flex-direction: column;
    gap: 18px;
    margin-top: 32px;
}

.feature-item {
    display: flex;
    gap: 18px;
    align-items: flex-start;
    padding: 18px 20px;
    border-radius: var(--radius-md);
    border: 1px solid var(--border);
    transition: all .25s;
    background: var(--white);
}

.feature-item:hover {
    border-color: rgba(201,162,39,.4);
    background: var(--gold-pale);
    transform: translateX(4px);
}

.feature-item i {
    font-size: 22px;
    color: var(--gold);
    margin-top: 3px;
    width: 24px;
    flex-shrink: 0;
}

.feature-item h4 {
    margin-bottom: 4px;
    font-size: 16px;
    color: var(--navy);
    font-weight: 700;
}

.feature-item p {
    font-size: 14px;
    margin: 0;
    color: var(--text-secondary);
    line-height: 1.6;
}

/* About image with CDN photo */
.about-image {
    position: relative;
    height: 480px;
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow-xl);
}

.about-image::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image: var(--img-about);
    background-size: cover;
    background-position: center;
    z-index: 0;
}

.about-image::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(10,22,40,.25) 0%, rgba(10,22,40,.65) 100%);
    z-index: 1;
}

/* Stats overlay on image */
.about-image-stats {
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 2;
    display: grid;
    grid-template-columns: 1fr 1fr;
    padding: 4px;
    gap: 4px;
}

.about-img-stat {
    background: rgba(10,22,40,.75);
    backdrop-filter: blur(8px);
    padding: 18px 16px;
    text-align: center;
    border: 1px solid rgba(201,162,39,.25);
    border-radius: var(--radius-sm);
}

.about-img-stat strong {
    display: block;
    font-size: 24px;
    color: var(--gold);
    font-family: 'Playfair Display', serif;
    font-weight: 700;
    line-height: 1;
    margin-bottom: 6px;
}

.about-img-stat span {
    font-size: 11px;
    color: rgba(255,255,255,.7);
    text-transform: uppercase;
    letter-spacing: .7px;
    font-weight: 500;
}

/* ============================================================
   PRÊTS — SIMULATEUR
   ============================================================ */
.loans-section {
    padding: 96px 0;
    background: var(--navy);
    position: relative;
    overflow: hidden;
}

.loans-section::before {
    content: '';
    position: absolute;
    top: -80px;
    right: -80px;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(201,162,39,.12) 0%, transparent 70%);
    pointer-events: none;
}

.loans-section .section-title {
    color: var(--white);
}

.loans-section .section-title::after {
    background: var(--gold);
}

.loans-section .section-subtitle {
    color: rgba(255,255,255,.65);
}

.loan-simulator {
    background: rgba(255,255,255,.04);
    border: 1px solid rgba(255,255,255,.1);
    border-radius: var(--radius-xl);
    padding: 48px;
    display: grid;
    grid-template-columns: 1.5fr 1fr;
    gap: 48px;
    backdrop-filter: blur(4px);
}

.form-group {
    margin-bottom: 28px;
}

.form-group label {
    display: block;
    margin-bottom: 10px;
    font-weight: 600;
    color: rgba(255,255,255,.85);
    font-size: 14px;
    text-transform: uppercase;
    letter-spacing: .5px;
}

.form-group input[type="range"] {
    width: 100%;
    height: 6px;
    border-radius: 3px;
    background: rgba(255,255,255,.15);
    outline: none;
    -webkit-appearance: none;
    cursor: pointer;
}

.form-group input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--gold);
    cursor: pointer;
    box-shadow: 0 2px 8px rgba(201,162,39,.4);
}

.form-group input[type="range"]::-moz-range-thumb {
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--gold);
    cursor: pointer;
    border: none;
    box-shadow: 0 2px 8px rgba(201,162,39,.4);
}

.form-group span {
    display: block;
    margin-top: 10px;
    font-size: 22px;
    font-weight: 800;
    color: var(--gold);
    font-family: 'Playfair Display', serif;
}

.form-group select {
    width: 100%;
    padding: 13px 14px;
    border: 1px solid rgba(255,255,255,.2);
    border-radius: var(--radius-md);
    font-size: 15px;
    background: rgba(255,255,255,.08);
    color: white;
    outline: none;
    cursor: pointer;
    font-family: 'Inter', sans-serif;
}

.form-group select option {
    background: var(--navy);
    color: white;
}

.btn-calculate {
    width: 100%;
    padding: 15px;
    background: var(--gold);
    color: var(--navy);
    border: none;
    border-radius: var(--radius-md);
    font-size: 15px;
    font-weight: 700;
    cursor: pointer;
    transition: all .3s;
    font-family: 'Inter', sans-serif;
    box-shadow: 0 4px 16px rgba(201,162,39,.35);
}

.btn-calculate:hover {
    background: var(--gold-light);
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(201,162,39,.5);
}

.simulator-result {
    background: rgba(255,255,255,.06);
    padding: 34px 28px;
    border-radius: var(--radius-lg);
    border: 1px solid rgba(201,162,39,.25);
}

.simulator-result h3 {
    margin-bottom: 24px;
    font-size: 18px;
    text-align: center;
    color: white;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .6px;
    font-size: 13px;
    opacity: .7;
}

.result-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 14px 0;
    border-bottom: 1px solid rgba(255,255,255,.08);
}

.result-item:last-of-type {
    border-bottom: none;
    margin-bottom: 24px;
}

.result-item span {
    color: rgba(255,255,255,.6);
    font-size: 14px;
}

.result-item strong {
    font-size: 20px;
    color: var(--gold);
    font-family: 'Playfair Display', serif;
    font-weight: 700;
}

.btn-apply {
    width: 100%;
    padding: 15px;
    background: transparent;
    color: var(--gold);
    border: 1.5px solid var(--gold);
    border-radius: var(--radius-md);
    font-size: 15px;
    font-weight: 700;
    cursor: pointer;
    transition: all .3s;
    font-family: 'Inter', sans-serif;
}

.btn-apply:hover {
    background: var(--gold);
    color: var(--navy);
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(201,162,39,.4);
}

/* ============================================================
   MOYENS DE PAIEMENT
   ============================================================ */
.payments-section {
    padding: 96px 0;
    background: var(--light);
}

.payments-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 22px;
}

.payment-method-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 32px 24px;
    text-align: center;
    transition: all .3s cubic-bezier(.4,0,.2,1);
    cursor: default;
}

.payment-method-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(201,162,39,.3);
}

.payment-method-icon {
    width: 60px;
    height: 60px;
    margin: 0 auto 16px;
    border-radius: 50%;
    background: var(--gold-pale);
    color: var(--gold);
    border: 2px solid rgba(201,162,39,.25);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 26px;
    transition: all .3s;
}

.payment-method-card:hover .payment-method-icon {
    background: var(--navy);
    color: var(--gold);
    border-color: var(--navy);
}

.payment-method-card h3 {
    font-size: 18px;
    margin-bottom: 8px;
    color: var(--navy);
    font-weight: 700;
}

.payment-method-card p {
    color: var(--text-secondary);
    font-size: 14px;
    margin: 0;
    line-height: 1.6;
}

/* ============================================================
   CONTACT
   ============================================================ */
.contact-section {
    padding: 96px 0;
    background: var(--white);
}

.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1.6fr;
    gap: 64px;
}

.contact-info {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.contact-item {
    display: flex;
    gap: 18px;
    padding: 22px 20px;
    border-radius: var(--radius-md);
    border: 1px solid var(--border);
    transition: all .25s;
}

.contact-item:hover {
    border-color: rgba(201,162,39,.35);
    background: var(--gold-pale);
    transform: translateX(4px);
}

.contact-item i {
    font-size: 22px;
    color: var(--gold);
    margin-top: 3px;
    width: 24px;
    flex-shrink: 0;
}

.contact-item h4 {
    margin-bottom: 5px;
    font-size: 15px;
    color: var(--navy);
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .5px;
}

.contact-item p {
    color: var(--text-primary);
    font-weight: 600;
    margin-bottom: 3px;
    font-size: 15px;
}

.contact-item small {
    color: var(--text-secondary);
    font-size: 13px;
}

.contact-form {
    background: var(--light);
    padding: 40px 36px;
    border-radius: var(--radius-xl);
    border: 1px solid var(--border);
}

.contact-form input,
.contact-form textarea {
    width: 100%;
    padding: 13px 16px;
    margin-bottom: 14px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-md);
    font-size: 15px;
    font-family: 'Inter', sans-serif;
    background: var(--white);
    color: var(--text-primary);
    transition: border-color .25s;
}

.contact-form input:focus,
.contact-form textarea:focus {
    outline: none;
    border-color: var(--gold);
    box-shadow: 0 0 0 3px rgba(201,162,39,.12);
}

.contact-form textarea { resize: vertical; min-height: 110px; }

.btn-submit {
    width: 100%;
    padding: 15px;
    background: var(--navy);
    color: white;
    border: none;
    border-radius: var(--radius-md);
    font-size: 15px;
    font-weight: 700;
    cursor: pointer;
    transition: all .3s;
    font-family: 'Inter', sans-serif;
    letter-spacing: .3px;
}

.btn-submit:hover {
    background: var(--navy-light);
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

/* ============================================================
   FOOTER
   ============================================================ */
.footer {
    background: var(--navy);
    color: white;
    padding: 72px 0 28px;
    border-top: 3px solid var(--gold);
}

.footer-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 40px;
    margin-bottom: 48px;
}

.footer-col h4 {
    margin-bottom: 20px;
    font-size: 15px;
    text-transform: uppercase;
    letter-spacing: .8px;
    color: var(--gold);
    font-weight: 700;
}

.footer-col p {
    color: rgba(255,255,255,.6);
    margin-bottom: 20px;
    line-height: 1.8;
    font-size: 14px;
}

.footer-col ul { list-style: none; }

.footer-col ul li { margin-bottom: 10px; }

.footer-col ul li a {
    color: rgba(255,255,255,.55);
    text-decoration: none;
    font-size: 14px;
    transition: all .25s;
    display: inline-flex;
    align-items: center;
    gap: 6px;
}

.footer-col ul li a::before {
    content: '';
    width: 0;
    height: 1px;
    background: var(--gold);
    transition: width .25s;
    display: inline-block;
}

.footer-col ul li a:hover {
    color: var(--gold);
    padding-left: 4px;
}

.footer-col ul li a:hover::before { width: 12px; }

.social-links {
    display: flex;
    gap: 10px;
    margin-top: 4px;
}

.social-links a {
    width: 38px;
    height: 38px;
    background: rgba(255,255,255,.07);
    border: 1px solid rgba(255,255,255,.12);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,.6);
    text-decoration: none;
    transition: all .3s;
    font-size: 15px;
}

.social-links a:hover {
    background: var(--gold);
    color: var(--navy);
    border-color: var(--gold);
    transform: translateY(-3px);
}

.footer-bottom {
    text-align: center;
    padding: 22px 24px;
    border-top: 1px solid #c0d5e8;
    background: #ffffff;
    width: 100%;
}

.footer-bottom p {
    color: #485689;
    font-size: 13px;
    margin-bottom: 4px;
}

/* ============================================================
   MODALS
   ============================================================ */
.modal {
    display: none;
    position: fixed;
    z-index: 2000;
    inset: 0;
    background: rgba(10,22,40,.65);
    backdrop-filter: blur(4px);
    align-items: center;
    justify-content: center;
    animation: fadeIn .25s ease;
}

.modal.active { display: flex; }

.modal-content {
    background: var(--white);
    padding: 44px;
    border-radius: var(--radius-xl);
    max-width: 520px;
    width: 90%;
    max-height: 90vh;
    overflow-y: auto;
    position: relative;
    animation: slideIn .28s ease;
    border-top: 3px solid var(--gold);
    box-shadow: var(--shadow-xl);
}

.modal-content.large { max-width: 820px; }

.close {
    position: absolute;
    right: 22px;
    top: 18px;
    font-size: 26px;
    font-weight: 300;
    cursor: pointer;
    color: var(--text-secondary);
    transition: color .25s;
    line-height: 1;
    width: 32px;
    height: 32px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    border: 1px solid var(--border);
}

.close:hover {
    color: var(--navy);
    background: var(--light);
}

.modal-content h2 {
    margin-bottom: 28px;
    font-size: 26px;
    color: var(--navy);
    font-family: 'Playfair Display', serif;
    font-weight: 700;
}

.account-type-selector {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 28px;
}

.account-type-btn {
    padding: 28px 20px;
    border: 1.5px solid var(--border);
    background: var(--white);
    border-radius: var(--radius-lg);
    cursor: pointer;
    transition: all .3s;
    text-align: center;
    font-family: 'Inter', sans-serif;
}

.account-type-btn:hover {
    border-color: var(--gold);
    background: var(--gold-pale);
    transform: translateY(-4px);
}

.account-type-btn.active {
    border-color: var(--navy);
    background: var(--light);
}

.account-type-btn i {
    font-size: 36px;
    color: var(--gold);
    margin-bottom: 12px;
    display: block;
}

.account-type-btn h3 {
    margin-bottom: 4px;
    font-size: 17px;
    color: var(--navy);
    font-weight: 700;
}

.account-type-btn p {
    color: var(--text-secondary);
    font-size: 13px;
    margin: 0;
}

.account-form { display: none; }
.account-form.active { display: block; }

.account-form h3 {
    margin: 26px 0 18px;
    font-size: 18px;
    color: var(--navy);
    font-weight: 700;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
}

.modal-content input,
.modal-content select,
.modal-content textarea {
    width: 100%;
    padding: 12px 14px;
    margin-bottom: 14px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-md);
    font-size: 15px;
    font-family: 'Inter', sans-serif;
    color: var(--text-primary);
    background: var(--white);
    transition: border-color .25s;
}

.modal-content input:focus,
.modal-content select:focus,
.modal-content textarea:focus {
    outline: none;
    border-color: var(--gold);
    box-shadow: 0 0 0 3px rgba(201,162,39,.12);
}

.modal-account-content { max-width: 880px !important; }
.modal-account-content .account-form { margin-top: 6px; }

/* Labeled field */
.labeled-field {
    display: flex;
    flex-direction: column;
    gap: 4px;
    margin-bottom: 0;
}

.labeled-field label {
    font-size: 11px;
    font-weight: 700;
    color: var(--text-secondary);
    text-transform: uppercase;
    letter-spacing: .5px;
}

.labeled-field input,
.labeled-field select,
.labeled-field textarea {
    margin-bottom: 0 !important;
}

.form-row > .labeled-field { flex: 1; min-width: 0; }
.form-row:has(.labeled-field) { gap: 14px; }

.form-check {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin: 18px 0;
}

.form-check input[type="checkbox"] {
    margin: 4px 0 0;
    width: auto;
    accent-color: var(--gold);
}

.form-check label {
    font-size: 14px;
    color: var(--text-secondary);
    line-height: 1.5;
}

.form-check a {
    color: var(--gold);
    text-decoration: none;
    font-weight: 600;
}

.btn-primary {
    width: 100%;
    padding: 15px;
    background: var(--navy);
    color: white;
    border: none;
    border-radius: var(--radius-md);
    font-size: 15px;
    font-weight: 700;
    cursor: pointer;
    transition: all .3s;
    font-family: 'Inter', sans-serif;
}

.btn-primary:hover {
    background: var(--navy-light);
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

/* Login modal */
.modal-login-content { max-width: 480px; }

.modal-login-content h2 {
    font-size: 26px;
    margin-bottom: 8px;
}

.modal-subtitle {
    text-align: center;
    color: var(--text-secondary);
    margin: 0 0 22px;
    font-size: 15px;
}

.login-field { margin-bottom: 14px; }

.login-field label {
    display: block;
    margin-bottom: 7px;
    font-weight: 600;
    color: var(--navy);
    font-size: 14px;
}

.login-field i { margin-right: 4px; color: var(--gold); }

.login-options {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    gap: 12px;
    margin-bottom: 16px;
}

.remember-option {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    color: var(--text-secondary);
    font-size: 14px;
    line-height: 1.35;
    cursor: pointer;
}

.remember-option input {
    margin-top: 4px;
    width: auto;
    accent-color: var(--navy);
}

.forgot-link {
    color: var(--gold);
    text-decoration: none;
    font-size: 13px;
    font-weight: 600;
}

.forgot-link:hover { text-decoration: underline; }

.login-extra {
    margin-top: 14px;
    padding-top: 14px;
    border-top: 1px solid var(--border);
    text-align: center;
}

.login-extra p {
    color: var(--text-secondary);
    margin-bottom: 12px;
    font-size: 14px;
}

.btn-outline-primary {
    padding: 10px 22px;
    background: white;
    color: var(--navy);
    border: 1.5px solid var(--navy);
    border-radius: var(--radius-md);
    font-size: 15px;
    font-weight: 600;
    cursor: pointer;
    transition: all .25s;
    font-family: 'Inter', sans-serif;
}

.btn-outline-primary:hover {
    background: var(--navy);
    color: white;
}

/* ============================================================
   ANIMATIONS
   ============================================================ */
@keyframes slideInLeft {
    from { transform: translateX(-60px); opacity: 0; }
    to   { transform: translateX(0);     opacity: 1; }
}

@keyframes float {
    0%, 100% { transform: translateY(-50%) translateX(0); }
    50%       { transform: translateY(calc(-50% - 18px)) translateX(0); }
}

@keyframes fadeIn {
    from { opacity: 0; }
    to   { opacity: 1; }
}

@keyframes slideIn {
    from { opacity: 0; transform: translateY(24px); }
    to   { opacity: 1; transform: translateY(0);    }
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1100px) {
    .about-grid { grid-template-columns: 1fr; }
    .about-image { display: none; }
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .loan-simulator { grid-template-columns: 1fr; }
    .contact-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: repeat(2, 1fr); }
    .trust-bar-inner { gap: 28px; }
    .cta-band-inner { flex-direction: column; text-align: center; }
    .cta-band-actions { justify-content: center; }
}

@media (max-width: 768px) {
    .public-page { padding-bottom: 100px; }

    /* Nav mobile */
    .nav-menu {
        position: fixed;
        top: var(--public-navbar-height);
        left: -100%;
        width: 100%;
        height: calc(100vh - var(--public-navbar-height));
        background: var(--white);
        flex-direction: column;
        padding: 24px 20px;
        transition: left .3s ease;
        box-shadow: var(--shadow-lg);
        z-index: 1200;
        gap: 0;
    }

    .nav-menu.active { left: 0; display: flex; }

    .nav-menu li {
        padding: 16px 0;
        border-bottom: 1px solid var(--border);
    }

    .nav-menu a { font-size: 18px; font-weight: 600; }

    .hamburger { display: flex; }
    .nav-actions { display: none !important; }

    .mobile-quick-actions {
        position: fixed;
        left: 12px;
        right: 12px;
        bottom: 10px;
        background: var(--white);
        border: 1px solid var(--border);
        border-radius: 14px;
        box-shadow: var(--shadow-xl);
        padding: 10px;
        display: grid;
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 8px;
        z-index: 1100;
    }

    /* Hero mobile */
    .hero-slider {
        height: calc(100vh - var(--public-navbar-height));
        min-height: 480px;
    }

    .slide {
        flex-direction: column;
        justify-content: center;
        text-align: center;
        padding: 0 28px;
        background-position: center center !important;
    }

    .slide-content::before { margin: 0 auto 18px; }
    .slide-content { max-width: 100%; }
    .slide-content h1 { font-size: 28px; }
    .slide-content p { font-size: 15px; }
    .slide-image { display: none !important; }

    .trust-bar { display: none; }

    /* Désactiver scroll indicator sur mobile (trop intrusif) */
    .hero-slider::before,
    .hero-slider::after { display: none; }

    .cta-band { padding: 40px 0; }
    .cta-band-text h2 { font-size: 20px; }
    .cta-band-actions { flex-direction: column; width: 100%; }
    .cta-band-btn-primary,
    .cta-band-btn-secondary { justify-content: center; width: 100%; }

    /* Sections mobile */
    .services-grid { grid-template-columns: 1fr; }
    .stats-grid { grid-template-columns: 1fr 1fr; }
    .footer-grid { grid-template-columns: 1fr; }
    .account-type-selector { grid-template-columns: 1fr; }

    .loan-simulator { padding: 28px 22px; }
    .contact-form { padding: 28px 22px; }

    .section-title { font-size: 26px; }
    .section-subtitle { font-size: 15px; margin-bottom: 36px; }

    .about-features { gap: 10px; }
    .feature-item { padding: 14px 16px; }

    .services-section,
    .about-section,
    .loans-section,
    .payments-section,
    .contact-section { padding: 64px 0; }
}

@media (max-width: 480px) {
    .stats-grid { grid-template-columns: 1fr 1fr; gap: 10px; }
    .modal-content { padding: 28px 22px; }
    .footer-grid { grid-template-columns: 1fr; }
    .form-row { grid-template-columns: 1fr; }
    .slider-btn { display: none; }
}