:root {
    /* =======================
       🎨 COULEURS PRINCIPALES
    ======================= */
    --primary-blue: #0B1F3B;
    --secondary-blue: #0A2A5E;
    --accent-yellow: #F4C542;

    /* =======================
       ⚪ NEUTRES
    ======================= */
    --white: #FFFFFF;
    --light-bg: #F5F7FA;
    --gray: #A0A8B3;
    --dark: #111827;

    /* =======================
       ✍️ TYPOGRAPHIE
    ======================= */
    --font-main: Arial, sans-serif;

    /* =======================
       📏 ESPACEMENTS
    ======================= */
    --space-xs: 5px;
    --space-sm: 10px;
    --space-md: 20px;
    --space-lg: 40px;
    --space-xl: 80px;

    /* =======================
       🔲 BORDURES
    ======================= */
    --radius-sm: 6px;
    --radius-md: 10px;
    --radius-lg: 20px;

    /* =======================
       🌫️ OMBRES
    ======================= */
    --shadow-sm: 0 2px 6px rgba(0,0,0,0.08);
    --shadow-md: 0 6px 20px rgba(0,0,0,0.12);
    --shadow-lg: 0 10px 30px rgba(0,0,0,0.18);

    /* =======================
       ⚡ TRANSITIONS
    ======================= */
    --transition-fast: 0.2s ease;
    --transition-medium: 0.4s ease;
}

/* RESET */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: var(--font-main);
    background: var(--light-bg);
    color: var(--dark);
    line-height: 1.6;
}

/* CONTAINER */
.container {
    width: 90%;
    max-width: 1200px;
    margin: auto;
}

/* TEXT */
.text-center {
    text-align: center;
}

/* BUTTONS */
.btn {
    display: inline-block;
    padding: 12px 25px;
    border-radius: var(--radius-md);
    background: var(--accent-yellow);
    color: var(--primary-blue);
    font-weight: bold;
    text-decoration: none;
    transition: var(--transition-fast);
    box-shadow: var(--shadow-sm);
}

.btn:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
    background: var(--secondary-blue);
    color: #FFFFFF;
}

.btn-outline {
    background: transparent;
    border: 2px solid var(--accent-yellow);
    color: var(--accent-yellow);
}

/* UTIL COLORS */
.text-yellow {
    color: var(--accent-yellow);
}

.text-blue {
    color: var(--primary-blue);
}


/* =========================
   GLOBAL RESET
========================= */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}


/* ------------------HEADER------------------- */

.top-bar {
    position: fixed;
    top: 0;
    width: 100%;
    height: 32px;
    background: #0B1F3B;
    color: white;
    font-size: 13px;
    z-index: 10000;
    display: flex;
    align-items: center;
}

.top-content {
    width: 90%;
    max-width: 1200px;
    margin: auto;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.top-left a {
    color: white;
    text-decoration: none;
    margin-right: 15px;
    font-size: 13px;
}

.top-left a:hover {
    color: #F4C542;
}

.top-right {
    color: white;
    font-size: 13px;
}
@media (max-width: 768px) {

    .top-bar {
        position: fixed;
        top: 0;
        padding: 6px 0;
        height: auto; 
    }

    .top-content {
        flex-direction: column;
        text-align: center;
        gap: 4px;
    }

    .top-left {
        justify-content: center;
        gap: 10px;
    }

    .top-left a {
        font-size: 11px;
    }

    .top-right {
        font-size: 11px;
        justify-content: center;
    }
}


   /* HEADER FIXE */

.main-header {
    position: fixed;
    top: 32px;
    width: 100%;
    background: var(--secondary-blue);
    z-index: 9999;
    height: 70px;
    display: flex;
    align-items: center;
}

.header-content {
    width: 90%;
    max-width: 1200px;
    margin: auto;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

   /* LOGO */

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    color: #F4C542;
    font-weight: bold;
}

.logo img {
    width: 38px;
    height: 38px;
}

/* =========================
   NAV DESKTOP
========================= */
.nav-menu {
    display: flex;
    gap: 30px;
}

.nav-menu a {
    color: white;
    text-decoration: none;
    font-size: 15px;
    transition: 0.3s;
}

.nav-menu a:hover {
    color: #F4C542;
}

/* =========================
   CTA DESKTOP
========================= */
.btn-desktop {
    background: #F4C542;
    color: #0B1F3B;
    padding: 8px 15px;
    border-radius: 6px;
    text-decoration: none;
    font-weight: bold;
}

/* =========================
   TOGGLE MOBILE
========================= */
.toggle {
    display: none;
    font-size: 32px;
    color: white;
    cursor: pointer;
}

/* =========================
   CTA MOBILE
========================= */
.btn-mobile {
    display: none;
    margin-top: 15px;
    padding: 12px;
    background: #F4C542;
    color: #0B1F3B;
    text-align: center;
    border-radius: 6px;
    font-weight: bold;
    text-decoration: none;
}

/* =========================
   RESPONSIVE MOBILE
========================= */
@media (max-width: 992px) {

    /* TOGGLE SHOW */
    .toggle {
        display: block;
    }

    /* HIDE CTA DESKTOP */
    .btn-desktop {
        display: none;
    }

    /* NAV MOBILE */
    .nav-menu {
        position: absolute;
        top: 70px;
        left: 0;
        width: 100%;
        background: var(--primary-blue);
        flex-direction: column;
        display: none;
        padding: 20px;
        gap: 15px;
    }

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

    /* CTA MOBILE SHOW */
    .btn-mobile {
        display: block;
    }

    /* HIDE LOCATION (IMPORTANT DEMANDE) */
    .top-right {
        display: none;
    }
}
/* ACTIVE LINK */
.nav-menu a.active {
    color: var(--accent-yellow);
    font-weight: bold;
    position: relative;
}

.nav-menu a.active::after {
    content: "";
    position: absolute;
    bottom: -5px;
    left: 0;
    width: 100%;
    height: 2px;
    background: var(--accent-yellow);
}

/* -------------------------------------------------
------PAGE INDEX */

/* ------------SECTION HERO------------------------ */
.hero {
    position: relative;
    height: 100vh;
    display: flex;
    align-items: center;
    overflow: hidden;
    margin: 0;
    padding: 0;
}
   /* BACKGROUND IMAGES */

.hero-bg {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;

    background-size: cover;
    background-position: center;
    z-index: 1;

    opacity: 0;
    transform: scale(1);
    animation: heroFadeZoom 16s infinite ease-in-out;
}

/* IMAGE 1 */
.bg1 {
    background-image: url("images/personligt-laan-danmark.jpg");
    animation-delay: 0s;

}

/* IMAGE 2 */
.bg2 {
    background-image: url("images/istockphoto-1807261875-612x612.jpg");
    animation-delay: 8s;
}

   /* ANIMATION FADE */
   
@keyframes heroFadeZoom {

    0% {
        opacity: 0;
        transform: scale(1);
    }

    10% {
        opacity: 1;
    }

    45% {
        opacity: 1;
        transform: scale(1.08); 
    }

    55% {
        opacity: 0;
    }

    100% {
        opacity: 0;
        transform: scale(1.12);
    }
}

   /* DARK OVERLAY */

.hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background: rgba(11, 31, 59, 0.65);
    z-index: 2;
}

/* CONTENT ALIGN (LOGO LINE) */

.hero-content {
    position: relative;
    z-index: 3;
    width: 90%;
    max-width: 1200px;
    margin: auto;
    display: flex;
    align-items: center;

    padding-top: 60px; /*  pousse légèrement vers le bas */
}

/* TEXT LEFT */
.hero-text {
    max-width: 600px;
    color: white;
}

/* TITLE */
.hero-text h1 {
    font-size: 48px;
    margin-bottom: 15px;
    font-weight: 700;
}

/* TEXT */
.hero-text p {
    font-size: 18px;
    margin-bottom: 20px;
    line-height: 1.6;
}

/* BUTTON */
.btn-hero {
    display: inline-block;
    background: #F4C542;
    color: #0B1F3B;
    padding: 12px 25px;
    border-radius: 6px;
    font-weight: bold;
    text-decoration: none;
    transition: 0.3s;
}

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

@media (max-width: 768px) {

    /* HERO PLUS PETITE */
    .hero {
        height: 70vh;
        min-height: 520px;
    }

    /* CENTRAGE PARFAIT */
    .hero-content {
        justify-content: center;
        text-align: center;
        padding-top: 0;
        padding-top: 60px;
    }

    .hero-text {
        max-width: 100%;
    }

    /* TITRE ADAPTÉ */
    .hero-text h1 {
        font-size: 30px;
        line-height: 1.2;
    }
    .hero-text p {
        display: none;
    }

    /* CTA PLUS VISIBLE */
    .btn-hero {
        margin-top: 15px;
        padding: 12px 22px;
    }
}

/* SECTION PRESENTATION TYPES DE PRET */

.loan-section{
    padding:90px 0;
    background:#fff;
    overflow:hidden;
}

.loan-content{
    width:90%;
    max-width:1200px;
    margin:auto;
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:70px;
}

/* TEXT */

.loan-text{
    flex:1;
}

.section-subtitle{
    display:inline-block;
    color:var(--accent-yellow);
    font-size:14px;
    font-weight:700;
    text-transform:uppercase;
    letter-spacing:1px;
    margin-bottom:15px;
}

.loan-text h2{
    color:var(--primary-blue);
    font-size:42px;
    line-height:1.2;
    margin-bottom:20px;
    font-weight:700;
}

.loan-text p{
    color:#666;
    font-size:16px;
    line-height:1.9;
    margin-bottom:30px;
}


/* LIST */

.loan-list{
    display:grid;
    grid-template-columns:repeat(2,1fr);
    gap:18px 25px;
    margin-bottom:35px;
}

.loan-item{
    display:flex;
    align-items:center;
    gap:12px;
    color:var(--primary-blue);
    font-weight:600;
    font-size:15px;
}

.loan-item i{
    color:var(--accent-yellow);
    font-size:18px;
}


/* BUTTON */

.loan-text .btn{
    display:inline-flex;
    align-items:center;
    gap:10px;
    background:var(--accent-yellow);
    color:var(--primary-blue);
    text-decoration:none;
    padding:14px 28px;
    border-radius:8px;
    font-weight:700;
    transition:.35s;
    box-shadow:var(--shadow-sm);
}

.loan-text .btn:hover{
    transform:translateY(-3px);
    box-shadow:var(--shadow-lg);
}

/* IMAGE */

.loan-image1{
    flex:1;
    position:relative;
}

.loan-image1 img{
    width:100%;
    height:520px;
    object-fit:cover;
    border-radius:18px;
    box-shadow:var(--shadow-lg);
    transition:transform .8s ease;
}

.loan-image1:hover img{
    transform:scale(1.05);
}

/* DECORATION */

.loan-image1::before{
    content:"";
    position:absolute;
    width:140px;
    height:140px;
    background:rgba(244,197,66,.12);
    border-radius:50%;
    top:-25px;
    right:-25px;
    z-index:-1;
}

.loan-image1::after{
    content:"";
    position:absolute;
    width:90px;
    height:90px;
    border:4px solid rgba(11,31,59,.08);
    border-radius:18px;
    bottom:-18px;
    left:-18px;
    z-index:-1;
}

/* TABLET */

@media(max-width:992px){

.loan-section{
    padding:70px 0;
}

.loan-content{
    gap:40px;
}

.loan-text h2{
    font-size:34px;
}

.loan-text p{
    font-size:15px;
}

.loan-image1 img{
    height:420px;
}

.loan-list{
    grid-template-columns:1fr;
}

}


/* MOBILE */

@media(max-width:768px){

.loan-section{
    padding:60px 0;
}

.loan-content{
    flex-direction:column;
    gap:35px;
}

.loan-text{
    width:100%;
    text-align:center;
}

.section-subtitle{
    font-size:13px;
}

.loan-text h2{
    font-size:30px;
    font-weight: 700;
}

.loan-text p{
    font-size:15px;
    line-height:1.8;
}

.loan-list{
    grid-template-columns:1fr;
    gap:15px;
    margin-bottom:30px;
}

.loan-item{
    justify-content:center;
    font-size:15px;
}

.loan-image1{
    width:100%;
}

.loan-image1 img{
    width:100%;
    height:300px;
    border-radius:15px;
}

.loan-image1::before,
.loan-image1::after{
    display:none;
}

.loan-text .btn{
    width:100%;
    justify-content:center;
}

}

/* SMALL MOBILE */

@media(max-width:480px){

.loan-section{
    padding:50px 0;
}

.loan-content{
    width:92%;
}

.section-subtitle{
    font-size:12px;
}

.loan-text h2{
    font-size:24px;
}

.loan-text p{
    font-size:14px;
}

.loan-item{
    font-size:14px;
}

.loan-image1 img{
    height:240px;
}

.loan-text .btn{
    padding:13px 22px;
    font-size:15px;
}

}

/* -----------------SECTION POURQUOI NOGO FINANCE------------------ */

.why-section{
    padding:60px 0;
    background:linear-gradient(135deg,#0B1F3B,#0A2A5E);
    position:relative;
    overflow:hidden;
}

/* décor léger */
.why-section::before,
.why-section::after{
    content:"";
    position:absolute;
    border-radius:50%;
    background:rgba(244,197,66,.06);
}

.why-section::before{
    width:220px;
    height:220px;
    top:-80px;
    right:-80px;
}

.why-section::after{
    width:180px;
    height:180px;
    bottom:-70px;
    left:-70px;
}

/* TITRE */
.section-heading{
    text-align:center;
    max-width:650px;
    margin:0 auto 35px;
    position:relative;
    z-index:2;
}

.section-heading .section-subtitle{
    color:var(--accent-yellow);
    font-size:12px;
    font-weight:700;
    text-transform:uppercase;
    letter-spacing:1px;
}

.section-heading h2{
    color:#fff;
    font-size:40px;
    margin:8px 0;
    font-weight: 700;
}

.section-heading p{
    color:rgba(255,255,255,.75);
    font-size:14px;
}

/* GRID 4 COLONNES */
.why-grid{
    position:relative;
    z-index:2;
    display:grid;
    grid-template-columns:repeat(4,1fr);
    gap:12px;
}

/* CARTES ULTRA COMPACT */
.why-card{
    background:rgba(255,255,255,.08);
    border:1px solid rgba(255,255,255,.10);
    border-radius:12px;
    padding:14px 12px;
    text-align:center;
    transition:.25s ease;
    backdrop-filter:blur(8px);
    min-height:140px;
    display:flex;
    flex-direction:column;
    justify-content:center;
}

.why-card:hover{
    transform:translateY(-5px);
    background:#fff;
}

/* ICON */
.why-icon{
    width:42px;
    height:42px;
    margin:0 auto 10px;
    border-radius:50%;
    background:rgba(244,197,66,.18);
    display:flex;
    align-items:center;
    justify-content:center;
}

.why-icon i{
    font-size:18px;
    color:var(--accent-yellow);
}

/* TEXT ULTRA COMPACT */
.why-card h3{
    font-size:16px;
    color:#fff;
    margin-bottom:6px;
    line-height:1.2;
}

.why-card p{
    font-size:14px;
    color:rgba(255,255,255,.70);
    line-height:1.4;
    margin:0;
}

/* HOVER TEXT SWITCH */
.why-card:hover h3,
.why-card:hover p{
    color:var(--primary-blue);
}

/* RESPONSIVE */

@media(max-width:992px){
    .why-grid{
        grid-template-columns:repeat(2,1fr);
    }
}

@media(max-width:768px){
    .why-grid{
        grid-template-columns:1fr;
    }

    .why-card{
        min-height:120px;
    }

    .section-heading h2{
        font-size:30px;
        font-weight: 700;
    }
    .why-card p{
    font-size:14px;
    color:rgba(255,255,255,.70);
    line-height:1.4;
    margin:0;
  }
}

/* --------------------SECTION TAUX ------------------ */

.rate-section{
    padding:90px 0;
    background:#F5F7FA;
    position:relative;
    overflow:hidden;
}

/* container layout */
.rate-content{
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:70px;
    width:90%;
    max-width:1200px;
    margin:auto;
}

/* IMAGE */


.rate-image{
    flex:1;
    position:relative;
}

.rate-image img{
    width:100%;
    height:520px;
    object-fit:cover;
    border-radius:18px;
    box-shadow:var(--shadow-lg);
    transition:transform .7s ease, box-shadow .4s ease;
}

.rate-image img:hover{
    transform:scale(1.05);
    box-shadow:0 18px 40px rgba(0,0,0,.18);
}

/* TEXT */

.rate-text{
    flex:1;
}

.rate-text h2{
    font-size:38px;
    color:var(--primary-blue);
    margin:12px 0 18px;
    line-height:1.2;
    font-weight:700;
}

.rate-text p{
    font-size:16px;
    color:#666;
    line-height:1.8;
    margin-bottom:14px;
}


/* BADGES */

.rate-badges{
    display:flex;
    flex-wrap:wrap;
    gap:12px;
    margin:22px 0 28px;
}

.badge-item{
    display:flex;
    align-items:center;
    gap:8px;
    padding:10px 14px;
    background:#fff;
    border:1px solid #E6EAF0;
    border-radius:10px;
    font-size:13px;
    font-weight:600;
    color:var(--primary-blue);
    transition:.3s ease;
}

.badge-item i{
    color:var(--accent-yellow);
    font-size:16px;
}

.badge-item:hover{
    transform:translateY(-3px);
    border-color:var(--accent-yellow);
    box-shadow:0 10px 20px rgba(0,0,0,.06);
}


/* BUTTON */

.rate-section .btn{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    padding:14px 26px;
    background:var(--accent-yellow);
    color:var(--primary-blue);
    font-weight:700;
    border-radius:8px;
    text-decoration:none;
    transition:.3s ease;
    box-shadow:var(--shadow-sm);
}

.rate-section .btn:hover{
    transform:translateY(-3px);
    box-shadow:var(--shadow-md);
}

/*=====================================================
RESPONSIVE
=====================================================*/

@media(max-width:992px){

    .rate-content{
        gap:40px;
    }

    .rate-text h2{
        font-size:30px;
    }

    .rate-image img{
        height:420px;
    }
}

@media(max-width:768px){

    .rate-content{
        flex-direction:column;
        text-align:center;
    }

    .rate-text h2{
        font-size:30px;
        font-weight: 700;
    }

    .rate-badges{
        justify-content:center;
    }

    .rate-image img{
        height:280px;
    }
}

@media(max-width:480px){

    .rate-section{
        padding:60px 0;
    }

    .rate-text h2{
        font-size:22px;
    }

    .rate-text p{
        font-size:14px;
    }

    .badge-item{
        font-size:12px;
        padding:8px 12px;
    }
}
/* ----------------------SECTION  SIMULATION---------------- */

.sim-section{
    padding:90px 0;
    background: linear-gradient(135deg, #EEF2F7, #F7F9FC);
  }

/* HEADER */
.sim-section .section-heading{
    text-align:center;
    max-width:750px;
    margin:0 auto 50px;
}

.sim-section .section-subtitle{
    color:var(--accent-yellow);
    font-size:13px;
    font-weight:700;
    text-transform:uppercase;
    letter-spacing:1px;
}

.sim-section h2{
    font-size:38px;
    color:var(--primary-blue);
    margin:10px 0;
    font-weight: 700;
}

.sim-section p{
    color:#666;
    font-size:15px;
    line-height:1.7;
}

/* GRID */


.sim-grid{
    display:flex;
    gap:50px;
    width:90%;
    max-width:1200px;
    margin:auto;
    align-items:flex-start;
}

/* RESULT (GLASSMORPH) */


.sim-result{
    flex:1;
}

.sim-result h3{
    font-size:22px;
    color:var(--primary-blue);
    margin-bottom:20px;
    font-weight: 700;
    text-decoration: underline;
}

.glass-card{
    background:rgba(11,31,59,0.08);
    backdrop-filter:blur(12px);
    border:1px solid rgba(255,255,255,0.5);
    border-radius:18px;
    padding:25px;
    box-shadow:var(--shadow-md);
}

/* RESULT ROWS */
.result-item{
    display:flex;
    justify-content:space-between;
    align-items:center;
    padding:12px 0;
    border-bottom:1px solid rgba(0,0,0,0.08);
}

.result-item:last-child{
    border-bottom:none;
}

.result-item span{
    font-size:14px;
    color:#666;
}

.result-item strong{
    font-size:16px;
    color:var(--primary-blue);
}

/* NOTE */
.note{
    font-size:12px;
    color:#888;
    margin-top:12px;
    line-height:1.5;
}

/* FORM */


.sim-form{
    flex:1;
}

.form-box{
    background:#fff;
    padding:25px;
    border-radius:16px;
    box-shadow:var(--shadow-sm);
}

/* LABEL */
.form-box label{
    display:block;
    margin:12px 0 6px;
    font-size:14px;
    font-weight:600;
    color:var(--primary-blue);
}

/* INPUT */
.form-box input{
    width:100%;
    padding:12px 14px;
    border-radius:10px;
    border:1px solid #E2E6EC;
    outline:none;
    font-size:14px;
    transition:.3s;
}

.form-box input:focus{
    border-color:var(--accent-yellow);
    box-shadow:0 0 0 3px rgba(244,197,66,.15);
}

/* DISABLED INPUT */
.form-box input:disabled{
    background:#F3F5F8;
    color:#777;
}

/* BUTTON */
.form-box .btn{
    width:100%;
    margin-top:18px;
    padding:14px;
    font-weight:700;
}

/*=====================================================
RESPONSIVE
=====================================================*/

@media(max-width:992px){
    .sim-grid{
        flex-direction:column;
        gap:30px;
    }

    .sim-section h2{
        font-size:30px;
    }
}

@media(max-width:768px){
    .sim-section{
        padding:70px 0;
    }

    .sim-section h2{
        font-size:28px;
        font-weight: 700;
    }

    .glass-card{
        padding:20px;
    }
}

/* ---------------SECTION COMMENT çA mainRCHE ? ------------------ */

.process-section{
    padding:90px 0;
    background:#fff;
}

/* heading */
.process-section .section-heading{
    max-width:700px;
    margin:0 auto 50px;
    text-align:center;
}

.process-section .section-subtitle{
    color:var(--accent-yellow);
    font-size:13px;
    font-weight:700;
    text-transform:uppercase;
    letter-spacing:1px;
}

.process-section h2{
    font-size:36px;
    color:var(--primary-blue);
    margin:10px 0;
}

.process-section p{
    color:#666;
    font-size:15px;
    line-height:1.7;
}

/* GRID */
.process-grid{
    display:grid;
    grid-template-columns:repeat(3,1fr);
    gap:25px;
    margin-top:20px;
}

/* CARD */
.process-card{
    background:#F5F7FA;
    border-radius:14px;
    padding:30px 20px;
    text-align:center;
    transition:.3s ease;
    position:relative;
    overflow:hidden;
}

.process-card:hover{
    transform:translateY(-8px);
    box-shadow:0 15px 30px rgba(0,0,0,.08);
    border:1px solid var(--accent-yellow);
}

/* NUMBER */
.process-number{
    width:45px;
    height:45px;
    margin:0 auto 15px;
    border-radius:50%;
    background:var(--primary-blue);
    color:#fff;
    display:flex;
    align-items:center;
    justify-content:center;
    font-weight:bold;
    font-size:16px;
}

/* TEXT */
.process-card h3{
    font-size:18px;
    color:var(--primary-blue);
    margin-bottom:10px;
    font-weight: 700;
}

.process-card p{
    font-size:14px;
    color:#666;
    line-height:1.6;
}

/* CTA */
.process-cta{
    text-align:center;
    margin-top:35px;
}

/* RESPONSIVE */
@media(max-width:992px){
    .process-grid{
        grid-template-columns:1fr;
        gap:15px;
    }

    .process-card{
        padding:25px;
    }

    .process-section h2{
        font-size:30px;
    }
}

@media(max-width:768px){
    .process-section{
        padding:70px 0;
    }

    .process-section h2{
        font-size:30px;
        font-weight: 700;
    }
}

/* ---------------SECTION AVIS CLIENTS---------------------- */
.review-section{
    padding:90px 0;
    background:#F5F7FA;
    overflow:hidden;
}

/* HEADER */
.review-section .section-heading{
    text-align:center;
    max-width:700px;
    margin:0 auto 40px;
}

.review-section .section-subtitle{
    color:#F4C542;
    font-size:13px;
    font-weight:700;
    text-transform:uppercase;
    letter-spacing:1px;
}

.review-section h2{
    font-size:38px;
    color:#0B1F3B;
    margin:10px 0;
    font-weight: 700;
}

.review-section p{
    color:#666;
    font-size:15px;
}

/* WRAPPER */

.review-wrapper{
    position:relative;
    display:flex;
    align-items:center;
}

/* CAROUSEL (SWIPE) */

.review-carousel{
    display:flex;
    gap:20px;
    overflow-x:auto;
    scroll-behavior:smooth;
    -webkit-overflow-scrolling:touch;
    padding:20px 60px;
    width:100%;
}

/* hide scrollbar */
.review-carousel::-webkit-scrollbar{
    display:none;
}


/* CARD STYLE */


.review-card{
    flex:0 0 300px;
    background:#fff;
    padding:22px;
    border-radius:16px;
    box-shadow:0 6px 20px rgba(0,0,0,0.08);

    transition:transform .3s ease, box-shadow .3s ease;
}

/* hover desktop */
.review-card:hover{
    transform:translateY(-5px);
    box-shadow:0 10px 25px rgba(0,0,0,0.12);
}

/* text */
.review-card p{
    font-size:15px;
    font-style:italic;
    color:#444;
    line-height:1.6;
    margin:10px 0;
}

/* name */
.review-card h4{
    font-size:15px;
    color:#0B1F3B;
    font-weight:700;
}

/* stars trustpilot */
.stars{
    color:#00B67A;
    font-size:16px;
    font-weight:700;
}


/* NAV BUTTONS (DESKTOP + MOBILE) */

.review-btn{
    position:absolute;
    top:50%;
    transform:translateY(-50%);
    width:46px;
    height:46px;
    border:none;
    border-radius:50%;
    background:#0B1F3B;
    color:#fff;
    font-size:22px;
    cursor:pointer;
    box-shadow:0 6px 20px rgba(0,0,0,0.15);
    z-index:10;

    display:flex;
    align-items:center;
    justify-content:center;

    transition:.3s ease;
}

.review-btn:hover{
    background:#F4C542;
    color:#0B1F3B;
}

/* POSITION */
.review-btn.left{
    left:10px;
}

.review-btn.right{
    right:10px;
}

/*=====================================================
RESPONSIVE MOBILE
=====================================================*/

@media(max-width:768px){

    .review-card{
        flex:0 0 260px;
    }

    .review-carousel{
        padding:20px 40px;
    }

    .review-btn{
        width:42px;
        height:42px;
        font-size:20px;
    }

    .review-btn.left{
        left:6px;
    }

    .review-btn.right{
        right:6px;
    }

    .review-section h2{
        font-size:30px;
        font-weight: 700;
    }
}

/* --------------SECTION CTA FINAL---------------- */

.cta-section{
    padding:60px 0;
    background:linear-gradient(135deg, #0B1F3B, #0A2A5E);
    position:relative;
    overflow:hidden;
}

/* decorative glow */
.cta-section::before{
    content:"";
    position:absolute;
    top:-100px;
    right:-100px;
    width:300px;
    height:300px;
    background:rgba(244,197,66,0.15);
    border-radius:50%;
}

.cta-section::after{
    content:"";
    position:absolute;
    bottom:-120px;
    left:-120px;
    width:320px;
    height:320px;
    background:rgba(255,255,255,0.06);
    border-radius:50%;
}

/* BOX */
.cta-box{
    text-align:center;
    max-width:800px;
    margin:auto;
    position:relative;
    z-index:2;
}

/* TEXT */
.cta-subtitle{
    color:#F4C542;
    font-size:13px;
    font-weight:700;
    text-transform:uppercase;
    letter-spacing:1px;
}

.cta-box h2{
    color:#fff;
    font-size:38px;
    margin:15px 0;
    font-weight: 700;
}

.cta-box p{
    color:rgba(255,255,255,0.8);
    font-size:16px;
    line-height:1.7;
}

/* BUTTONS */
.cta-actions{
    margin-top:30px;
    display:flex;
    justify-content:center;
    gap:15px;
    flex-wrap:wrap;
}

/* PRIMARY BUTTON */
.btn-cta{
    background:#F4C542;
    color:#0B1F3B;
    padding:14px 26px;
    border-radius:8px;
    font-weight:700;
    text-decoration:none;
    transition:.3s ease;
}

.btn-cta:hover{
    transform:translateY(-3px);
    box-shadow:0 10px 25px rgba(0,0,0,0.2);
}

/* SECONDARY BUTTON */
.btn-secondary{
    background:transparent;
    border:2px solid #F4C542;
    color:#F4C542;
    padding:14px 26px;
    border-radius:8px;
    font-weight:700;
    text-decoration:none;
    transition:.3s ease;
}

.btn-secondary:hover{
    background:#F4C542;
    color:#0B1F3B;
}

/*=====================================================
RESPONSIVE
=====================================================*/

@media(max-width:768px){

    .cta-box h2{
        font-size:30px;
        font-weight: 700;
    }

    .cta-box p{
        font-size:14px;
    }

    .cta-actions{
        flex-direction:column;
        align-items:center;
    }

    .btn-cta,
    .btn-secondary{
        width:100%;
        max-width:280px;
        text-align:center;
    }
}


/* ------------------------------------------------------
--------PAGE SERVICES NOGO FINANCE */


/* ---------------MINI HERO --------------------- */


.page-hero.compact{
    padding:120px 0 30px;
    text-align:center;
    background:#F5F7FA;
}

/* TITLE */
.page-hero.compact h1{
    font-size:34px;
    color:#0B1F3B;
    margin-bottom:8px;
    line-height:1.2;
}

/* TEXT */
.page-hero.compact p{
    font-size:14px;
    color:#666;
    max-width:600px;
    margin:auto;
    line-height:1.5;
}

/*=====================================================
MOBILE
=====================================================*/

@media(max-width:768px){

    .page-hero.compact{
        padding:120px 0 10px;
    }

    .page-hero.compact h1{
        font-size:26px;
    }

    .page-hero.compact p{
        display: none;
    }
}

/* ----------------SECTION INTRO---------------- */

.services-intro{
    padding:80px 0;
    background:#fff;
}

.services-intro-content{
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:60px;
}

.services-text{
    flex:1;
}

.services-text .section-subtitle{
    display:inline-block;
    color:#F4C542;
    font-size:13px;
    font-weight:700;
    text-transform:uppercase;
    letter-spacing:1px;
    margin-bottom:12px;
}

.services-text h2{
    font-size:38px;
    color:#0B1F3B;
    line-height:1.3;
    margin-bottom:18px;
    font-weight: 700;
}

.services-text p{
    color:#666;
    font-size:16px;
    line-height:1.8;
    margin-bottom:25px;
}

.services-image{
    flex:1;
}

.services-image img{
    width:100%;
    display:block;
    border-radius:16px;
    box-shadow:0 10px 30px rgba(0,0,0,.10);
}

/*=====================================================
RESPONSIVE
=====================================================*/

@media(max-width:992px){

    .services-intro{
        padding:60px 0;
    }

    .services-intro-content{
        flex-direction:column-reverse;
        gap:35px;
    }

    .services-text{
        text-align:center;
    }

    .services-text h2{
        font-size:30px;
        font-weight: 700;
    }

    .services-text p{
        font-size:15px;
    }
}


/* ------------SECTION TYPES DE PRET---------------- */

.loan-types{
    padding:55px 0;
    background:linear-gradient(135deg,#0B1F3B 0%,#0A2A5E 100%);
    position:relative;
    overflow:hidden;
}

/* décoration */
.loan-types::before{
    content:"";
    position:absolute;
    width:450px;
    height:450px;
    background:rgba(244,197,66,.08);
    border-radius:50%;
    top:-220px;
    right:-180px;
}

.loan-types .section-heading{
    text-align:center;
    margin-bottom:40px;
    position:relative;
    z-index:2;
}

.loan-types .section-subtitle{
    color:#F4C542;
}

.loan-types .section-heading h2{
    color:#fff;
    margin:10px 0;
}

.loan-types .section-heading p{
    color:rgba(255,255,255,.75);
    max-width:650px;
    margin:auto;
}

.loan-grid{
    display:grid;
    grid-template-columns:repeat(4,1fr);
    gap:18px;
    position:relative;
    z-index:2;
}

/*==============================
CARD
==============================*/

.loan-card{
    background:#fff;
    border-radius:14px;
    overflow:hidden;
    transition:.35s;
    box-shadow:0 8px 25px rgba(0,0,0,.12);
}

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

.loan-image{
    position:relative;
    height:160px;
    overflow:hidden;
}

.loan-image img{
    width:100%;
    height:100%;
    object-fit:cover;
    transition:.5s;
}

.loan-card:hover img{
    transform:scale(1.08);
}

.loan-overlay{
    position:absolute;
    inset:0;
    display:flex;
    align-items:flex-end;
    padding:15px;
    background:linear-gradient(to top,rgba(11,31,59,.9),transparent);
}

.loan-overlay h3{
    color:#fff;
    font-size:18px;
    margin:0;
    font-weight:700;
}

.loan-body{
    padding:16px;
}

.loan-body p{
    font-size:14px;
    color:#666;
    line-height:1.5;
    margin-bottom:15px;
    min-height:42px;
}

.loan-btn{
    display:block;
    text-align:center;
    background:#F4C542;
    color:#0B1F3B;
    text-decoration:none;
    padding:10px;
    border-radius:8px;
    font-size:14px;
    font-weight:700;
    transition:.3s;
}

.loan-btn:hover{
    background:#0B1F3B;
    color:#fff;
}

/*==============================
RESPONSIVE
==============================*/

@media(max-width:992px){

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

}

@media(max-width:768px){

    .loan-types{
        padding:55px 0;
    }

    .loan-grid{
        grid-template-columns:1fr;
    }

    .loan-image{
        height:190px;
    }

}

/* ---------SECTION------------- */
.credit-intro{
    padding:85px 0;
    background:linear-gradient(135deg,#F8FAFC 0%,#EEF2F7 100%);
}

/*========================
LAYOUT
========================*/
.credit-wrapper{
    display:flex;
    align-items:center;
    gap:70px;
}

/*========================
IMAGE BLOCK (PRO LEVEL)
========================*/
.credit-image{
    flex:1;
    position:relative;
    border-radius:22px;
    overflow:hidden;
    box-shadow:0 25px 60px rgba(11,31,59,.18);
}

/* image principale */
.credit-image img{
    width:100%;
    height:100%;
    display:block;
    object-fit:cover;
    transform:scale(1.02);
    transition:transform .8s ease;
}

/* hover smooth premium zoom */
.credit-image:hover img{
    transform:scale(1.08);
}

/* gradient overlay pour look fintech */
.credit-image::after{
    content:"";
    position:absolute;
    inset:0;
    background:linear-gradient(
        to top,
        rgba(11,31,59,.35),
        rgba(11,31,59,0)
    );
    pointer-events:none;
}

/*========================
TEXT BLOCK
========================*/
.credit-text{
    flex:1;
}

/* badge premium */
.credit-badge{
    display:inline-flex;
    font-size:12px;
    font-weight:600;
    letter-spacing:.5px;
    color:#0B1F3B;
    background:rgba(244,197,66,.18);
    padding:7px 14px;
    border-radius:50px;
    margin-bottom:16px;
}

/*========================
TITLE (STRICT RULE)
========================*/
.credit-text h2{
    font-size:38px;
    font-weight:700;
    color:#0B1F3B;
    line-height:1.2;
    margin-bottom:18px;
}

/* highlights */
.credit-text h2 .brand{
    font-weight:800;
}

.credit-text h2 .rate{
    color:#F4C542;
    font-weight:800;
}

/*========================
PARAGRAPHS (CLEAN + AIR)
========================*/
.credit-text p{
    font-size:15px;
    color:#5b6575;
    line-height:1.8;
    margin-bottom:14px;
    max-width:520px;
}

/*========================
BUTTON (FINTECH STYLE)
========================*/
.credit-btn{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    margin-top:14px;
    padding:13px 26px;
    background:#F4C542;
    color:#0B1F3B;
    font-weight:700;
    border-radius:12px;
    text-decoration:none;
    transition:.35s ease;
    box-shadow:0 12px 28px rgba(244,197,66,.28);
}

.credit-btn:hover{
    background:#0B1F3B;
    color:#fff;
    transform:translateY(-3px);
}

/*========================
RESPONSIVE
========================*/
@media(max-width:992px){

    .credit-wrapper{
        flex-direction:column;
        text-align:center;
        gap:40px;
    }

    .credit-text p{
        margin-left:auto;
        margin-right:auto;
    }

    .credit-text h2{
        font-size:30px;
    }

    .credit-image{
        border-radius:18px;
    }
}

/* -----------CTA SERVICE FINAL--------------- */
.svc-cta{
    padding:60px 0;
    background:linear-gradient(135deg,#0B1F3B 0%,#0A2A5E 100%);
    position:relative;
    overflow:hidden;
}

/* LIGHT GLOW EFFECT */
.svc-cta::before{
    content:"";
    position:absolute;
    width:500px;
    height:500px;
    background:rgba(244,197,66,.12);
    border-radius:50%;
    top:-200px;
    right:-150px;
    filter:blur(40px);
}

.svc-cta::after{
    content:"";
    position:absolute;
    width:400px;
    height:400px;
    background:rgba(255,255,255,.06);
    border-radius:50%;
    bottom:-180px;
    left:-120px;
    filter:blur(50px);
}

/* CENTER BOX */
.svc-cta__box{
    text-align:center;
    position:relative;
    z-index:2;
}

/* CONTENT */
.svc-cta__content{
    max-width:650px;
    margin:auto;
}

/* TITLE */
.svc-cta__title{
    font-size:38px;
    font-weight:700;
    color:#fff;
    margin-bottom:12px;
    line-height:1.2;
}

/* TEXT */
.svc-cta__text{
    font-size:15px;
    color:rgba(255,255,255,.78);
    line-height:1.7;
    margin-bottom:20px;
}

/* BUTTON */
.svc-cta__btn{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    padding:13px 26px;
    background:#F4C542;
    color:#0B1F3B;
    font-weight:700;
    border-radius:12px;
    text-decoration:none;
    transition:.35s ease;
    box-shadow:0 12px 30px rgba(244,197,66,.25);
}

/* HOVER PREMIUM */
.svc-cta__btn:hover{
    background:#ffffff;
    color:#0B1F3B;
    transform:translateY(-3px);
    box-shadow:0 18px 40px rgba(0,0,0,.25);
}

/* MOBILE */
@media(max-width:768px){

    .svc-cta{
        padding:50px 0;
    }

    .svc-cta__title{
        font-size:30px;
        font-weight: 700  ;
    }

}

/* ----------------------PAGE A PROPOS------------------ */
.abt-story{
    padding:85px 0;
    background:linear-gradient(135deg,#ffffff 0%,#FFF9E6 60%,rgba(244,197,66,0.25) 100%);
    position:relative;
    overflow:hidden;
}
.abt-story::before{
    content:"";
    position:absolute;
    width:500px;
    height:500px;
    background:rgba(244,197,66,.25);
    border-radius:50%;
    top:-180px;
    right:-150px;
    filter:blur(70px);
}

.abt-story::after{
    content:"";
    position:absolute;
    width:400px;
    height:400px;
    background:rgba(255,255,255,.8);
    border-radius:50%;
    bottom:-160px;
    left:-120px;
    filter:blur(60px);
}

/* WRAPPER */
.abt-story__wrapper{
    display:flex;
    align-items:center;
    gap:70px;
}

/* TEXT */
.abt-story__text{
    flex:1;
}

/* BADGE */
.abt-story__badge{
    display:inline-block;
    font-size:12px;
    font-weight:600;
    color:#0B1F3B;
    background:rgba(244,197,66,.18);
    padding:7px 14px;
    border-radius:30px;
    margin-bottom:16px;
}

/* TITLE */
.abt-story__title{
    font-size:38px;
    font-weight:700;
    color:#0B1F3B;
    line-height:1.3;
    margin-bottom:18px;
}

/* PARAGRAPHS */
.abt-story__desc{
    font-size:15px;
    color:#5b6575;
    line-height:1.75;
    margin-bottom:14px;
    max-width:540px;
}

/* STATS CARDS */
.abt-story__meta{
    display:flex;
    gap:20px;
    margin-top:22px;
    flex-wrap:wrap;
}

.abt-story__card{
    background:#fff;
    padding:14px 18px;
    border-radius:14px;
    min-width:110px;
    text-align:center;
    box-shadow:0 12px 30px rgba(0,0,0,.08);
    transition:.3s ease;
}

.abt-story__card:hover{
    transform:translateY(-3px);
}

.abt-story__card strong{
    display:block;
    font-size:16px;
    color:#0B1F3B;
}

.abt-story__card span{
    font-size:12px;
    color:#777;
}

/* IMAGE */
.abt-story__image{
    flex:1;
    position:relative;
}

.abt-story__image img{
    width:100%;
    border-radius:18px;
    object-fit:cover;
    box-shadow:0 25px 60px rgba(0,0,0,.15);
    transition:.6s ease;
}

.abt-story__image img:hover{
    transform:scale(1.04);
}

/* RESPONSIVE */
@media(max-width:992px){

    .abt-story__wrapper{
        flex-direction:column;
        text-align:center;
        gap:40px;
    }

    .abt-story__desc{
        margin-left:auto;
        margin-right:auto;
    }

    .abt-story__meta{
        justify-content:center;
    }

    .abt-story__title{
        font-size:30px;
        font-weight: 700;
    }
}

/* ------------SECTION MISSION ET VALEUR--------------- */

.abt-mission{
    padding:80px 0;
    background:#0B1F3B;
}

/* WRAPPER */
.abt-mission__wrapper{
    display:flex;
    align-items:center;
    gap:50px;
}

/* LEFT */
.abt-mission__left{
    flex:1;
}

.abt-mission__title{
    font-size:32px;
    font-weight:700;
    color:#fff;
    margin-bottom:14px;
}

.abt-mission__text{
    font-size:15px;
    color:rgba(255,255,255,.75);
    line-height:1.7;
    max-width:420px;
}

/* DIVIDER */
.abt-mission__divider{
    width:1px;
    height:180px;
    background:rgba(255,255,255,.15);
}

/* RIGHT */
.abt-mission__right{
    flex:1;
    display:flex;
    flex-direction:column;
    gap:14px;
}

/* CARDS */
.abt-mission__card{
    background:rgba(255,255,255,.06);
    border:1px solid rgba(255,255,255,.1);
    padding:16px 18px;
    border-radius:14px;
    backdrop-filter:blur(10px);
    transition:.3s ease;
}

.abt-mission__card:hover{
    transform:translateY(-3px);
    background:rgba(255,255,255,.09);
}

.abt-mission__card h3{
    font-size:16px;
    color:#F4C542;
    margin-bottom:6px;
}

.abt-mission__card p{
    font-size:14px;
    color:rgba(255,255,255,.7);
    line-height:1.6;
}

/* RESPONSIVE */
@media(max-width:992px){

    .abt-mission__wrapper{
        flex-direction:column;
        text-align:center;
    }

    .abt-mission__divider{
        width:80%;
        height:1px;
    }

    .abt-mission__text{
        margin:auto;
    }
}


/* -------------SECTION COUNTER-------------------- */
.abt-counter{
    padding:70px 0;
    background:linear-gradient(135deg,#F8FAFC 0%,#EEF2F7 100%);
}

/* GRID */
.abt-counter__wrapper{
    display:grid;
    grid-template-columns:repeat(4,1fr);
    gap:20px;
}

/* CARD */
.abt-counter__item{
    text-align:center;
    background:#fff;
    padding:25px 18px;
    border-radius:16px;
    box-shadow:0 12px 30px rgba(0,0,0,.06);
    transition:.3s ease;
}

.abt-counter__item:hover{
    transform:translateY(-5px);
    box-shadow:0 18px 40px rgba(0,0,0,.10);
}

/* ICON */
.abt-counter__icon{
    font-size:24px;
    color:#F4C542;
    margin-bottom:10px;
    display:block;
}

/* NUMBER */
.abt-counter__item h3{
    font-size:30px;
    font-weight:700;
    color:#0B1F3B;
    margin-bottom:6px;
}

/* TEXT */
.abt-counter__item p{
    font-size:14px;
    color:#6b7280;
}

/* RESPONSIVE */
@media(max-width:992px){
    .abt-counter__wrapper{
        grid-template-columns:repeat(2,1fr);
    }
}

@media(max-width:576px){
    .abt-counter__wrapper{
        grid-template-columns:1fr;
    }
}

/* -----------SECTION CTA FINAL ABOUT--------------- */
.about-cta{
    padding:70px 0;
    background:linear-gradient(135deg,#0B1F3B 0%,#0A2A5E 100%);
    text-align:center;
    position:relative;
    overflow:hidden;
}

/* GLOW EFFECT */
.about-cta::before{
    content:"";
    position:absolute;
    width:450px;
    height:450px;
    background:rgba(244,197,66,.15);
    border-radius:50%;
    top:-180px;
    right:-120px;
    filter:blur(60px);
}

.about-cta::after{
    content:"";
    position:absolute;
    width:400px;
    height:400px;
    background:rgba(255,255,255,.06);
    border-radius:50%;
    bottom:-180px;
    left:-120px;
    filter:blur(70px);
}

/* CONTAINER */
.about-cta__container{
    position:relative;
    z-index:2;
    max-width:700px;
    margin:auto;
}

/* TITLE */
.about-cta__title{
    font-size:32px;
    font-weight:700;
    color:#fff;
    margin-bottom:12px;
}

/* TEXT */
.about-cta__text{
    font-size:15px;
    color:rgba(255,255,255,.75);
    line-height:1.7;
    margin-bottom:20px;
}

/* BUTTON */
.about-cta__btn{
    display:inline-flex;
    padding:13px 26px;
    background:#F4C542;
    color:#0B1F3B;
    font-weight:700;
    border-radius:12px;
    text-decoration:none;
    transition:.3s ease;
    box-shadow:0 12px 30px rgba(244,197,66,.25);
}

.about-cta__btn:hover{
    background:#fff;
    transform:translateY(-3px);
}

/* RESPONSIVE */
@media(max-width:768px){

    .about-cta__title{
        font-size:26px;
    }

}

/* ----------------------------------------------
----------PAGE CONTACT */
.contact-sec{
    padding:80px 0;
    background:linear-gradient(135deg,#F6F9FF 0%,#EAF2FF 55%,rgba(244,197,66,0.12) 100%);
    position:relative;
    overflow:hidden;
}
.contact-sec::before{
    content:"";
    position:absolute;
    width:480px;
    height:480px;
    background:rgba(244,197,66,.18);
    border-radius:50%;
    top:-180px;
    right:-140px;
    filter:blur(80px);
}

.contact-sec::after{
    content:"";
    position:absolute;
    width:420px;
    height:420px;
    background:rgba(59,130,246,.08);
    border-radius:50%;
    bottom:-180px;
    left:-120px;
    filter:blur(90px);
}

/* WRAPPER */
.contact-sec__wrapper{
    display:flex;
    gap:60px;
    align-items:flex-start;
}

/* =========================
   LEFT SIDE (INFO)
========================= */
.contact-sec__info{
    flex:1;
}

.contact-sec__info h2{
    font-size:38px;
    font-weight:700;
    color:#0B1F3B;
    margin-bottom:10px;
}

.contact-sec__info p{
    font-size:15px;
    color:#5b6575;
    line-height:1.6;
    margin-bottom:25px;
    max-width:420px;
}

/* ITEM */
.contact-sec__item{
    display:flex;
    align-items:center;
    gap:10px;
    margin-bottom:14px;
    font-size:15px;
    color:#0B1F3B;
}

.contact-sec__item i{
    font-size:18px;
    color:#F4C542;
    min-width:20px;
}

/* LINKS */
.contact-sec__item a{
    color:#0B1F3B;
    text-decoration:none;
    transition:.2s ease;
}

.contact-sec__item a:hover{
    text-decoration:underline;
}

/* =========================
   RIGHT SIDE (FORM)
========================= */
.contact-sec__form{
    flex:1;
    background:#fff;
    padding:28px;
    border-radius:16px;
    box-shadow:0 15px 40px rgba(0,0,0,.08);
}

/* FORM */
.contact-sec__form form{
    display:flex;
    flex-direction:column;
    gap:12px;
}

/* INPUTS */
.contact-sec__form input,
.contact-sec__form textarea{
    padding:12px 14px;
    border:1px solid #e5e7eb;
    border-radius:10px;
    font-size:14px;
    outline:none;
    transition:.2s ease;
    background:#fff;
}

/* FOCUS */
.contact-sec__form input:focus,
.contact-sec__form textarea:focus{
    border-color:#F4C542;
    box-shadow:0 0 0 3px rgba(244,197,66,.15);
}

/* TEXTAREA */
.contact-sec__form textarea{
    min-height:120px;
    resize:none;
}

/* BUTTON */
.contact-sec__form button{
    padding:13px;
    background:#F4C542;
    border:none;
    border-radius:10px;
    font-weight:700;
    color:#0B1F3B;
    cursor:pointer;
    transition:.3s ease;
}

.contact-sec__form button:hover{
    background:#0B1F3B;
    color:#fff;
    transform:translateY(-2px);
}

@media (max-width: 992px){

    .contact-sec__wrapper{
        flex-direction: column;
        gap:45px;
        align-items:center;
        text-align:center;
    }

    .contact-sec__info{
        width:100%;
        max-width:600px;
    }

    .contact-sec__info p{
        max-width:100%;
        margin-left:auto;
        margin-right:auto;
    }

    .contact-sec__item{
        justify-content:center;
    }

    .contact-sec__form{
        width:100%;
        max-width:600px;
    }
}
@media (max-width: 768px){

    .contact-sec{
        padding:60px 0;
    }

    .contact-sec__wrapper{
        gap:35px;
    }

    .contact-sec__info h2{
        font-size:30px;
        font-weight: 700;
    }

    .contact-sec__info p{
        font-size:14px;
    }

    .contact-sec__item{
        font-size:14px;
        gap:8px;
    }

    .contact-sec__form{
        padding:22px;
        border-radius:14px;
        box-shadow:0 10px 30px rgba(0,0,0,.08);
    }

    .contact-sec__form form{
        gap:14px;
    }

    .contact-sec__form input,
    .contact-sec__form textarea{
        padding:13px 14px;
        font-size:15px;
    }

    .contact-sec__form button{
        padding:14px;
        font-size:15px;
    }
}
.contact-sec__form input,
.contact-sec__form textarea{
    width:100%;
    box-sizing:border-box;
}

.contact-sec__item i{
    flex-shrink:0;
}

/* -------------------------------------------
---------PAGE DEMANDE */

.loan-form-sec{
    padding:90px 0 40px;
    background:linear-gradient(135deg,#c8cacd 0%,#cad8f9 55%,rgba(244, 197, 66, 0.44) 100%);
    position:relative;
}

/* ALIGNEMENT GLOBAL (comme header) */
.loan-form-sec__wrapper{
    max-width:1200px;
    margin:0 auto;
    padding:0 20px;
}

/* CARD FORM */
.loan-form-sec__box{
    width:100%;
    background:#fff;
    border-radius:20px;
    padding:50px 45px;
    box-shadow:0 25px 60px rgba(0,0,0,.08);
    border:1px solid rgba(15,23,42,0.05);
}

/* =========================
   TITRE + TEXTE (CENTRÉ)
========================= */

.loan-form-sec__box h2{
    font-size:38px;
    font-weight:700;
    color:#0B1F3B;
    letter-spacing:-0.5px;
    margin-bottom:10px;
    text-align:center;
}

.loan-form-sec__box p{
    font-size:15px;
    color:#5b6575;
    margin-bottom:30px;
    text-align:center;
    max-width:650px;
    margin-left:auto;
    margin-right:auto;
}

/* =========================
   FORM GRID
========================= */

.loan-form-sec__grid{
    display:grid;
    grid-template-columns:repeat(2,1fr);
    gap:20px;
}

/* INPUT STYLE PREMIUM */
.loan-form-sec__grid input,
.loan-form-sec__grid select{
    width:100%;
    padding:15px 16px;
    border-radius:12px;
    border:1px solid #e5e7eb;
    font-size:14px;
    background:#fff;
    transition:.25s ease;
    outline:none;
}

/* HOVER */
.loan-form-sec__grid input:hover,
.loan-form-sec__grid select:hover{
    border-color:#cbd5e1;
}

/* FOCUS */
.loan-form-sec__grid input:focus,
.loan-form-sec__grid select:focus{
    border-color:#F4C542;
    box-shadow:0 0 0 4px rgba(244,197,66,.18);
}

/* =========================
   BUTTON CTA
========================= */

.loan-form-sec__btn{
    margin-top:25px;
    width:100%;
    padding:16px;
    border:none;
    border-radius:12px;
    background:linear-gradient(135deg,#F4C542,#f2b800);
    font-weight:700;
    color:#0B1F3B;
    cursor:pointer;
    transition:.3s ease;
    font-size:15px;
}

.loan-form-sec__btn:hover{
    background:#0B1F3B;
    color:#fff;
    transform:translateY(-2px);
}

/* =========================
   SECURITY BAR
========================= */

.loan-form-sec__security{
    margin-top:25px;
    padding:14px 16px;
    border-radius:12px;
    background:rgba(11,31,59,0.05);
    color:#0B1F3B;
    font-size:13px;
    text-align:center;
    border:1px solid rgba(11,31,59,0.08);
}

/* =========================
   RESPONSIVE TABLET
========================= */

@media(max-width:992px){

    .loan-form-sec__box{
        padding:35px 25px;
    }

    .loan-form-sec__grid{
        grid-template-columns:1fr;
    }

    .loan-form-sec__box h2{
        font-size:30px;
        font-weight: 700;
    }
}

/* =========================
   MOBILE
========================= */

@media(max-width:768px){

    .loan-form-sec{
        padding:70px 0 30px;
    }

    .loan-form-sec__box{
        border-radius:16px;
        padding:25px 18px;
    }

    .loan-form-sec__box h2{
        font-size:30px;
        text-align:center;
        font-weight: 700 ;
    }

    .loan-form-sec__box p{
        font-size:14px;
        line-height:1.5;
        text-align:center;
    }

    .loan-form-sec__btn{
        padding:15px;
        font-size:14px;
    }

    .loan-form-sec__security{
        font-size:12px;
        padding:12px;
    }
}

.form-group{
    display:flex;
    flex-direction:column;
    gap:6px;
}

.form-group label{
    font-size:13px;
    font-weight:600;
    color:#0B1F3B;
}

.form-group.full{
    grid-column:1 / -1;
}

/* -------------------PAGE POLITIQUE-------------- */
.policy-sec{
    padding:80px 0;
    background:linear-gradient(135deg,#b3c1d2 0%,#EEF3FF 55%,rgba(244, 197, 66, 0.382) 100%);
}

.policy-sec__wrapper{
    max-width:1000px;
    margin:0 auto;
    padding:0 20px;
}

.policy-sec__box{
    background:#fff;
    padding:45px;
    border-radius:18px;
    box-shadow:0 20px 50px rgba(0,0,0,.08);
}

/* TITLES */
.policy-sec__box h2{
    font-size:32px;
    font-weight:700;
    color:#0B1F3B;
    margin-bottom:15px;
}

.policy-sec__box h3{
    font-size:18px;
    font-weight:700;
    margin-top:25px;
    color:#0B1F3B;
}

/* TEXT */
.policy-sec__box p{
    font-size:14px;
    color:#5b6575;
    line-height:1.7;
}

/* RESPONSIVE */
@media(max-width:768px){

    .policy-sec{
        padding:60px 0;
    }

    .policy-sec__box{
        padding:25px;
        border-radius:14px;
    }

    .policy-sec__box h2{
        font-size:24px;
    }
}

/* -----------------------PAGE LEGALE--------------------- */

.legal-sec{
    padding:80px 0;
    background:#0d58ef97;
}

.legal-sec__wrapper{
    max-width:1000px;
    margin:0 auto;
    padding:0 20px;
}

/* CARD */
.legal-sec__box{
    background:#fff;
    padding:45px;
    border-radius:14px;
    border:1px solid #e5e7eb;
}

/* TITLE */
.legal-sec__box h2{
    font-size:38px;
    font-weight:700;
    color:#0B1F3B;
    margin-bottom:25px;
    text-align:center;
}

/* GRID */
.legal-sec__grid{
    display:grid;
    grid-template-columns:repeat(2,1fr);
    gap:20px;
}

/* ITEM */
.legal-item{
    padding:15px;
    border:1px solid #eef0f3;
    border-radius:10px;
    background:#fafafa;
}

.legal-item h3{
    font-size:14px;
    font-weight:700;
    color:#0B1F3B;
    margin-bottom:6px;
}

.legal-item p{
    font-size:14px;
    color:#5b6575;
    margin:0;
    line-height:1.5;
}

/* FULL WIDTH */
.legal-item.full{
    grid-column:1 / -1;
}

/* RESPONSIVE */
@media(max-width:768px){

    .legal-sec__grid{
        grid-template-columns:1fr;
    }

    .legal-sec__box{
        padding:25px;
    }

    .legal-sec__box h2{
        font-size:30px;
        font-weight: 700;
    }
}

/* -----------------PAGE MERCI------------------ */

.thankyou-sec{
    padding:40px 0; /* très compact */
    background:linear-gradient(135deg,#F8FBFF 0%,#EEF3FF 60%,rgba(244,197,66,0.10) 100%);
    text-align:center;
    padding-top: 150px;
}

/* WRAPPER */
.thankyou-sec__wrapper{
    max-width:800px;
    margin:0 auto;
    padding:0 20px;
}

/* CARD COMPACT */
.thankyou-sec__box{
    background:#fff;
    padding:35px 25px; /* compact */
    border-radius:14px;
    box-shadow:0 12px 35px rgba(0,0,0,.08);
}

/* ICON */
.thankyou-icon{
    font-size:48px; /* réduit */
    color:#22c55e;
    margin-bottom:10px;
}

/* TITLE */
.thankyou-sec__box h1{
    font-size:38px; /* compact */
    font-weight:700;
    color:#0B1F3B;
    margin-bottom:10px;
}

/* TEXT */
.thankyou-sec__box p{
    font-size:14px;
    color:#5b6575;
    line-height:1.5;
    margin-bottom:20px;
    max-width:600px;
    margin-left:auto;
    margin-right:auto;
}

/* INFO ROW COMPACT */
.thankyou-info{
    display:flex;
    justify-content:center;
    gap:10px;
    flex-wrap:wrap;
    margin-bottom:20px;
}

.thankyou-item{
    display:flex;
    align-items:center;
    gap:6px;
    font-size:13px;
    color:var(--secondary-blue);
    background:#f8fafc;
    padding:8px 12px;
    border-radius:8px;
    border:1px solid #eef2f7;
}

/* ICON COLOR */
.thankyou-item i{
    color:var(--accent-yellow);
}

/* BUTTON COMPACT */
.thankyou-btn{
    display:inline-block;
    padding:12px 20px;
    background:var(--accent-yellow);
    color:var(--primary-blue);
    font-weight:700;
    border-radius:10px;
    text-decoration:none;
    transition:.25s ease;
    font-size:14px;
}

.thankyou-btn:hover{
    background:var(--primary-blue);
    color:#fff;
}

/* =========================
   RESPONSIVE
========================= */

@media(max-width:768px){


    .thankyou-sec{
        padding:30px 0;
        padding-top: 125px;
    }

    .thankyou-sec__box{
        padding:25px 18px;
    }

    .thankyou-sec__box h1{
        font-size:30px;
        font-weight: 700;
    }

    .thankyou-item{
        font-size:12px;
    }

    .thankyou-info{
        flex-direction:column;
        align-items:center;
    }
}

















/* ---------------FOOTER-------------------- */

.footer {
    background: #0B1F3B;
    color: white;
    padding: 30px 0 10px;
}

.footer-grid {
    width: 90%;
    max-width: 1200px;
    margin: auto;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}

.footer h3,
.footer h4 {
    color: #F4C542;
    margin-bottom: 10px;
}

.footer p {
    font-size: 13px;
    margin: 4px 0;
}

.footer ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.footer ul li {
    margin-bottom: 6px;
}

.footer ul li a {
    color: white;
    text-decoration: none;
    font-size: 13px;
    transition: 0.2s;
}

.footer ul li a:hover {
    color: #F4C542;
}

.footer-bottom {
    text-align: center;
    margin-top: 15px;
    padding-top: 8px;
    border-top: 1px solid rgba(255,255,255,0.08);
    font-size: 12px;
    color: #bbb;
}

/* MOBILE */
@media (max-width: 768px) {
    .footer-grid {
        grid-template-columns: 1fr;
        text-align: center;
        gap: 15px;
    }
}