:root{
  --blue:#1a3a6e;--blue2:#2352a0;--blue3:#e8f0fb;--gold:#d4a93a;--gold2:#f0c84a;--gold-pale:#fdf6e3;
  --dark:#0b1d3a;--muted:#6b7a99;--border:rgba(26,58,110,.12);--success:#1a8a5a;
  --r:14px;--rl:20px;--shadow:0 4px 32px rgba(26,58,110,.10);
}
*{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{font-family:'DM Sans',sans-serif;color:var(--dark);background:#fff;overflow-x:hidden;}
h1,h2,h3,.serif{font-family:'Playfair Display',serif;}
a{text-decoration:none;color:inherit;}

/* ── ANIMATIONS ── */
@keyframes fadeUp{from{opacity:0;transform:translateY(22px)}to{opacity:1;transform:none}}
@keyframes fadeIn{from{opacity:0}to{opacity:1}}
@keyframes pulse{0%,100%{transform:scale(1)}50%{transform:scale(1.04)}}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}
@keyframes shimmer{0%{background-position:-400px 0}100%{background-position:400px 0}}
@keyframes slideIn{from{transform:translateX(40px);opacity:0}to{transform:none;opacity:1}}
@keyframes countUp{from{opacity:0;transform:scale(.8)}to{opacity:1;transform:scale(1)}}
.anim-up{opacity:0;animation:fadeUp .7s ease forwards;}
.anim-up:nth-child(1){animation-delay:.05s}
.anim-up:nth-child(2){animation-delay:.15s}
.anim-up:nth-child(3){animation-delay:.25s}
.anim-up:nth-child(4){animation-delay:.35s}
.anim-up:nth-child(5){animation-delay:.45s}

/* ── NAV ── */
nav{position:sticky;top:0;z-index:200;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:.5px solid var(--border);display:flex;align-items:center;justify-content:space-between;padding:0 2.5rem;height:68px;transition:box-shadow .3s;}
nav.scrolled{box-shadow:0 2px 20px rgba(26,58,110,.09);}
.nav-logo{display:flex;align-items:center;gap:11px;cursor:pointer;}
.logo-icon{width:38px;height:38px;border-radius:10px;background:var(--blue);display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.logo-icon svg{width:22px;height:22px;}
.logo-text{font-family:'Playfair Display',serif;font-size:22px;color:var(--blue);letter-spacing:-.3px;}
.logo-text em{font-style:normal;color:var(--gold);}
.nav-links{display:flex;gap:2.2rem;font-size:14px;font-weight:500;}
.nav-links a{color:var(--muted);transition:color .2s;position:relative;}
.nav-links a::after{content:'';position:absolute;bottom:-3px;left:0;width:0;height:2px;background:var(--gold);transition:width .25s;border-radius:2px;}
.nav-links a:hover{color:var(--blue);}
.nav-links a:hover::after{width:100%;}
.nav-menu-panel{display:flex;align-items:center;gap:24px;}
.nav-toggle{display:none;}
.nav-right{display:flex;align-items:center;gap:12px;}
.lang-btn{border:.5px solid var(--border);border-radius:9px;padding:6px 12px;font-size:13px;font-weight:500;cursor:pointer;background:#fff;color:var(--dark);transition:border-color .2s;}
.lang-btn:hover{border-color:var(--blue);}
.btn-nav{background:var(--blue);color:#fff;border:none;border-radius:10px;padding:9px 20px;font-size:14px;font-weight:500;cursor:pointer;transition:background .2s,transform .15s;}
.btn-nav:hover{background:var(--blue2);transform:translateY(-1px);}

/* ── HERO ── */
.hero{background:var(--blue);min-height:92vh;display:grid;grid-template-columns:1fr 1fr;align-items:center;gap:0;overflow:hidden;position:relative;}
.hero-bg{position:absolute;inset:0;pointer-events:none;}
.hero-bg-circle1{position:absolute;top:-120px;right:-80px;width:520px;height:520px;border-radius:50%;background:rgba(212,169,58,.06);}
.hero-bg-circle2{position:absolute;bottom:-160px;left:-100px;width:440px;height:440px;border-radius:50%;background:rgba(255,255,255,.03);}
.hero-bg-dots{position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.06) 1px,transparent 1px);background-size:32px 32px;}
.hero-left{padding:80px 60px 80px 2.5rem;z-index:1;}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(212,169,58,.15);border:1px solid rgba(212,169,58,.3);border-radius:24px;padding:6px 16px;font-size:12px;font-weight:600;color:#f0c84a;letter-spacing:.06em;margin-bottom:24px;animation:fadeIn .8s ease;}
.hero h1{font-size:clamp(32px,4vw,54px);color:#fff;line-height:1.15;margin-bottom:20px;animation:fadeUp .8s .1s ease both;}
.hero h1 em{font-style:normal;color:var(--gold);}
.hero-sub{font-size:17px;color:rgba(255,255,255,.72);line-height:1.7;max-width:460px;margin-bottom:36px;animation:fadeUp .8s .2s ease both;font-weight:300;}
.hero-btns{display:flex;gap:14px;flex-wrap:wrap;animation:fadeUp .8s .3s ease both;}
.btn-primary{background:var(--gold);color:var(--dark);border:none;border-radius:12px;padding:15px 34px;font-size:15px;font-weight:600;cursor:pointer;transition:background .2s,transform .15s,box-shadow .2s;font-family:'DM Sans',sans-serif;}
.btn-primary:hover{background:var(--gold2);transform:translateY(-2px);box-shadow:0 8px 24px rgba(212,169,58,.35);}
.btn-ghost{background:rgba(255,255,255,.1);color:#fff;border:1px solid rgba(255,255,255,.25);border-radius:12px;padding:15px 28px;font-size:15px;font-weight:500;cursor:pointer;transition:background .2s,border-color .2s;font-family:'DM Sans',sans-serif;}
.btn-ghost:hover{background:rgba(255,255,255,.18);border-color:rgba(255,255,255,.5);}
.hero-trust{display:flex;align-items:center;gap:18px;margin-top:36px;animation:fadeUp .8s .4s ease both;}
.hero-trust-item{display:flex;align-items:center;gap:6px;font-size:12px;color:rgba(255,255,255,.55);font-weight:500;}
.hero-trust-dot{width:5px;height:5px;border-radius:50%;background:var(--gold);opacity:.7;}

/* Hero image and illustration */
.hero-right{z-index:1;position:relative;display:flex;align-items:center;justify-content:center;min-height:460px;padding:60px 2.5rem 60px 0;animation:fadeIn 1s .2s ease both;}
.hero-photo{position:absolute;width:min(88%,520px);height:360px;object-fit:cover;border-radius:24px;opacity:.78;box-shadow:0 22px 55px rgba(0,0,0,.25);}
.hero-card-float{animation:float 5s ease-in-out infinite;}
.hero-card-wrap{position:relative;width:340px;}
.hero-card-main{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);border-radius:20px;padding:28px;backdrop-filter:blur(16px);}
.hero-card-title{font-size:12px;font-weight:600;color:rgba(255,255,255,.55);letter-spacing:.08em;margin-bottom:18px;}
.hero-card-amount{font-family:'Playfair Display',serif;font-size:38px;color:#fff;margin-bottom:4px;}
.hero-card-sub{font-size:13px;color:rgba(255,255,255,.5);margin-bottom:24px;}
.hero-card-bar{height:6px;border-radius:4px;background:rgba(255,255,255,.15);margin-bottom:6px;overflow:hidden;}
.hero-card-bar-fill{height:100%;border-radius:4px;background:linear-gradient(90deg,var(--gold),var(--gold2));width:68%;animation:shimmer 2s infinite;}
.hero-card-meta{display:flex;justify-content:space-between;font-size:11px;color:rgba(255,255,255,.45);}
.hero-card-badge{position:absolute;top:-18px;right:-18px;background:var(--gold);border-radius:12px;padding:10px 16px;font-size:12px;font-weight:700;color:var(--dark);box-shadow:0 6px 20px rgba(212,169,58,.4);}
.hero-card-badge2{position:absolute;bottom:-18px;left:-18px;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.25);border-radius:12px;padding:10px 14px;backdrop-filter:blur(8px);}
.hero-card-badge2 span{font-size:11px;color:rgba(255,255,255,.7);display:block;}
.hero-card-badge2 strong{font-size:15px;color:#fff;font-family:'Playfair Display',serif;}

/* ── STATS ── */
.stats-bar{display:grid;grid-template-columns:repeat(4,1fr);border-bottom:.5px solid var(--border);}
.stat-item{padding:28px 24px;text-align:center;border-right:.5px solid var(--border);}
.stat-item:last-child{border-right:none;}
.stat-num{font-family:'Playfair Display',serif;font-size:32px;color:var(--blue);margin-bottom:4px;}
.stat-num em{font-style:normal;color:var(--gold);}
.stat-label{font-size:13px;color:var(--muted);font-weight:400;}

/* ── TRUST BANNER ── */
.trust-banner{background:var(--blue3);border-bottom:.5px solid var(--border);}
.trust-banner-inner{max-width:1100px;margin:0 auto;display:flex;align-items:center;justify-content:center;gap:0;flex-wrap:wrap;}
.trust-item{display:flex;align-items:center;gap:12px;padding:18px 36px;border-right:.5px solid var(--border);}
.trust-item:last-child{border-right:none;}
.trust-icon{width:40px;height:40px;border-radius:10px;background:#fff;display:flex;align-items:center;justify-content:center;border:.5px solid var(--border);flex-shrink:0;}
.trust-label{font-size:14px;font-weight:600;color:var(--blue);}
.trust-sub{font-size:12px;color:var(--muted);}

/* ── SECTIONS ── */
.section{padding:80px 2rem;}
.section-inner{max-width:1100px;margin:0 auto;}
.section-tag{font-size:11px;font-weight:700;color:var(--gold);text-transform:uppercase;letter-spacing:.12em;margin-bottom:12px;}
.section-title{font-size:clamp(24px,3.5vw,38px);color:var(--dark);margin-bottom:14px;line-height:1.2;}
.section-sub{font-size:16px;color:var(--muted);max-width:560px;line-height:1.7;font-weight:300;}

/* ── LOAN CARDS ── */
.loans-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(195px,1fr));gap:16px;margin-top:44px;}
.loan-card{border:.5px solid var(--border);border-radius:var(--rl);padding:26px 22px;cursor:pointer;transition:all .25s;background:#fff;position:relative;overflow:hidden;}
.loan-card::before{content:'';position:absolute;bottom:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--blue),var(--gold));transform:scaleX(0);transform-origin:left;transition:transform .3s;}
.loan-card:hover{border-color:var(--blue2);transform:translateY(-4px);box-shadow:var(--shadow);}
.loan-card:hover::before{transform:scaleX(1);}
.loan-card.active{border-color:var(--gold);background:var(--gold-pale);}
.loan-card.active::before{transform:scaleX(1);background:var(--gold);}
.loan-card-photo{display:block;width:calc(100% + 44px);height:132px;object-fit:cover;margin:-26px -22px 20px;}
.loan-icon-wrap{width:46px;height:46px;border-radius:12px;background:var(--blue3);display:flex;align-items:center;justify-content:center;margin-bottom:16px;}
.loan-name{font-size:15px;font-weight:600;color:var(--dark);margin-bottom:7px;}
.loan-desc{font-size:13px;color:var(--muted);line-height:1.55;margin-bottom:16px;font-weight:300;}
.loan-link{font-size:13px;font-weight:600;color:var(--blue);display:flex;align-items:center;gap:5px;}
.loan-link svg{width:14px;height:14px;transition:transform .2s;}
.loan-card:hover .loan-link svg{transform:translateX(4px);}

/* ── STEPS HOW IT WORKS ── */
.how-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:52px;position:relative;}
.how-grid::before{content:'';position:absolute;top:28px;left:calc(12.5%);right:calc(12.5%);height:2px;background:linear-gradient(90deg,var(--blue3),var(--blue),var(--gold));z-index:0;}
.how-step{text-align:center;padding:0 16px;position:relative;z-index:1;}
.how-num{width:56px;height:56px;border-radius:50%;background:var(--blue);color:#fff;font-family:'Playfair Display',serif;font-size:22px;display:flex;align-items:center;justify-content:center;margin:0 auto 20px;border:3px solid #fff;box-shadow:0 0 0 2px var(--blue);}
.how-step:last-child .how-num{background:var(--gold);box-shadow:0 0 0 2px var(--gold);}
.how-title{font-size:15px;font-weight:600;color:var(--dark);margin-bottom:8px;}
.how-desc{font-size:13px;color:var(--muted);line-height:1.6;font-weight:300;}
.how-photo{display:block;width:100%;height:260px;object-fit:cover;border-radius:20px;margin-top:36px;box-shadow:var(--shadow);}

/* ── FORM ── */
.form-section{background:var(--blue3);padding:80px 2rem;}
.form-wrap{max-width:720px;margin:0 auto;background:#fff;border-radius:var(--rl);border:.5px solid var(--border);box-shadow:var(--shadow);overflow:hidden;}
.form-photo-wrap{max-width:900px;margin:0 auto 28px;}
.form-photo{display:block;width:100%;height:220px;object-fit:cover;border-radius:var(--rl);box-shadow:var(--shadow);}
.form-header{background:var(--blue);padding:32px 36px;position:relative;overflow:hidden;}
.form-header::after{content:'';position:absolute;top:-40px;right:-40px;width:160px;height:160px;border-radius:50%;background:rgba(212,169,58,.12);}
.form-header h2{font-size:22px;color:#fff;margin-bottom:5px;}
.form-header p{font-size:13px;color:rgba(255,255,255,.65);font-weight:300;display:flex;align-items:center;gap:6px;}
.form-header p svg{width:13px;height:13px;}

/* Progress */
.progress-wrap{padding:28px 36px 0;}
.steps-bar{display:flex;align-items:center;gap:0;}
.step-dot-wrap{display:flex;flex-direction:column;align-items:center;flex:1;}
.step-connector{flex:1;height:2px;background:var(--border);transition:background .4s;}
.step-connector.done{background:var(--gold);}
.step-dot{width:30px;height:30px;border-radius:50%;border:2px solid var(--border);background:#fff;display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:600;color:var(--muted);transition:all .35s;cursor:default;flex-shrink:0;}
.step-dot.active{border-color:var(--blue);background:var(--blue);color:#fff;box-shadow:0 0 0 4px rgba(26,58,110,.12);}
.step-dot.done{border-color:var(--gold);background:var(--gold);color:var(--dark);}
.step-label{font-size:10px;color:var(--muted);margin-top:6px;font-weight:500;}
.step-dot-wrap.active .step-label{color:var(--blue);font-weight:600;}

/* Form body */
.form-body{padding:32px 36px;}
.form-step{display:none;}
.form-step.active{display:block;animation:fadeUp .4s ease;}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px;}
.field-row.full{grid-template-columns:1fr;}
.field{display:flex;flex-direction:column;gap:6px;}
.field label{font-size:13px;font-weight:500;color:var(--dark);}
.req{color:var(--gold);}
.field input,.field select,.field textarea{
  border:.5px solid rgba(26,58,110,.18);border-radius:10px;padding:11px 14px;
  font-size:14px;color:var(--dark);background:#fff;outline:none;
  transition:border-color .2s,box-shadow .2s;font-family:'DM Sans',sans-serif;
}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(26,58,110,.07);}
.field input.error{border-color:#e24b4a;box-shadow:0 0 0 3px rgba(226,75,74,.07);}
.field input.valid{border-color:var(--success);}
.field textarea{resize:vertical;min-height:80px;line-height:1.5;}
.hint{font-size:11px;color:var(--muted);margin-top:3px;}
.secure-note{display:flex;align-items:center;gap:6px;font-size:12px;color:var(--muted);margin-top:5px;padding:8px 12px;background:var(--blue3);border-radius:8px;}
.secure-note svg{width:13px;height:13px;flex-shrink:0;color:var(--gold);}
.form-nav{display:flex;justify-content:space-between;align-items:center;margin-top:28px;padding-top:22px;border-top:.5px solid var(--border);}
.btn-back{background:transparent;border:.5px solid var(--border);border-radius:10px;padding:11px 22px;font-size:14px;color:var(--muted);cursor:pointer;font-family:'DM Sans',sans-serif;transition:all .2s;}
.btn-back:hover{border-color:var(--blue);color:var(--blue);}
.btn-next{background:var(--blue);color:#fff;border:none;border-radius:10px;padding:12px 30px;font-size:14px;font-weight:500;cursor:pointer;font-family:'DM Sans',sans-serif;transition:all .2s;display:flex;align-items:center;gap:8px;}
.btn-next:hover{background:var(--blue2);transform:translateY(-1px);}
.btn-next svg{width:16px;height:16px;}
.btn-submit{background:var(--gold);color:var(--dark);border:none;border-radius:10px;padding:12px 30px;font-size:14px;font-weight:600;cursor:pointer;font-family:'DM Sans',sans-serif;transition:all .2s;}
.btn-submit:hover{background:var(--gold2);transform:translateY(-1px);box-shadow:0 6px 20px rgba(212,169,58,.3);}

/* Calc preview */
.calc-box{background:var(--blue3);border-radius:12px;padding:20px;margin-bottom:16px;border:.5px solid var(--border);animation:fadeUp .35s ease;}
.calc-box-title{font-size:12px;font-weight:700;color:var(--blue);letter-spacing:.06em;text-transform:uppercase;margin-bottom:16px;}
.calc-rows{display:flex;flex-direction:column;gap:0;}
.calc-row{display:flex;justify-content:space-between;align-items:center;padding:8px 0;border-bottom:.5px dashed rgba(26,58,110,.1);}
.calc-row:last-child{border:none;padding-top:12px;}
.calc-row span{font-size:13px;color:var(--muted);}
.calc-row strong{font-size:13px;color:var(--dark);font-weight:600;}
.calc-row.total span{font-size:15px;color:var(--blue);font-weight:700;}
.calc-row.total strong{font-size:17px;color:var(--blue);font-weight:700;}

/* ── POPUP ── */
.overlay{display:none;position:fixed;inset:0;background:rgba(11,29,58,.65);z-index:400;align-items:center;justify-content:center;padding:1rem;backdrop-filter:blur(4px);}
.overlay.show{display:flex;animation:fadeIn .25s ease;}
.popup{background:#fff;border-radius:var(--rl);max-width:520px;width:100%;max-height:90vh;overflow-y:auto;animation:slideIn .3s ease;}
.popup-head{background:var(--blue);padding:28px 32px;position:sticky;top:0;z-index:1;}
.popup-head h3{font-size:20px;color:#fff;margin-bottom:5px;}
.popup-head p{font-size:13px;color:rgba(255,255,255,.65);font-weight:300;}
.popup-body{padding:28px 32px;}
.popup-recap{background:var(--blue3);border-radius:12px;padding:20px;margin-bottom:20px;border:.5px solid var(--border);}
.popup-row{display:flex;justify-content:space-between;align-items:center;padding:7px 0;border-bottom:.5px dashed rgba(26,58,110,.1);}
.popup-row:last-child{border:none;padding-top:12px;}
.popup-row span:first-child{font-size:13px;color:var(--muted);}
.popup-row span:last-child{font-size:13px;font-weight:600;color:var(--dark);}
.popup-row.total span{font-size:15px;font-weight:700;color:var(--blue);}
.msg-label{font-size:13px;font-weight:600;color:var(--dark);margin-bottom:8px;}
.msg-sub{font-size:12px;color:var(--muted);margin-bottom:10px;font-weight:300;}
.msg-textarea{width:100%;border:.5px solid rgba(26,58,110,.18);border-radius:10px;padding:12px 14px;font-size:13px;color:var(--dark);resize:vertical;min-height:90px;outline:none;font-family:'DM Sans',sans-serif;line-height:1.5;}
.msg-textarea:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(26,58,110,.07);}
.msg-hint{font-size:11px;color:var(--muted);margin-top:6px;margin-bottom:22px;}
.popup-btns{display:flex;gap:12px;}
.btn-modify{flex:1;background:transparent;border:.5px solid var(--border);border-radius:10px;padding:12px;font-size:14px;color:var(--muted);cursor:pointer;font-family:'DM Sans',sans-serif;transition:all .2s;}
.btn-modify:hover{border-color:var(--blue);color:var(--blue);}
.btn-wa{flex:2;background:#25D366;color:#fff;border:none;border-radius:10px;padding:12px 20px;font-size:14px;font-weight:600;cursor:pointer;display:flex;align-items:center;justify-content:center;gap:9px;font-family:'DM Sans',sans-serif;transition:all .2s;}
.btn-wa:hover{background:#1da956;transform:translateY(-1px);box-shadow:0 6px 20px rgba(37,211,102,.3);}

/* ── FAQ ── */
.faq-layout{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start;}
.page-photo{display:block;width:100%;height:240px;object-fit:cover;border-radius:var(--rl);box-shadow:var(--shadow);}
.faq-photo{margin-top:44px;}
.faq-list{margin-top:44px;display:flex;flex-direction:column;gap:0;}
.faq-item{border-bottom:.5px solid var(--border);}
.faq-q{display:flex;justify-content:space-between;align-items:center;padding:20px 0;cursor:pointer;font-size:15px;font-weight:500;color:var(--dark);gap:16px;transition:color .2s;}
.faq-q:hover{color:var(--blue);}
.faq-icon{width:28px;height:28px;border-radius:50%;border:.5px solid var(--border);display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:all .3s;}
.faq-item.open .faq-icon{background:var(--blue);border-color:var(--blue);}
.faq-icon svg{width:14px;height:14px;color:var(--muted);transition:transform .3s,color .2s;}
.faq-item.open .faq-icon svg{transform:rotate(45deg);color:#fff;}
.faq-a{display:none;padding:0 0 18px;font-size:14px;color:var(--muted);line-height:1.7;font-weight:300;}
.faq-item.open .faq-a{display:block;animation:fadeUp .3s ease;}

/* ── TESTIMONIALS ── */
.testi-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(270px,1fr));gap:20px;margin-top:40px;}
.testi-card{border:.5px solid var(--border);border-radius:var(--rl);padding:26px;background:#fff;transition:all .25s;}
.testi-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);}
.testi-stars{color:var(--gold);font-size:15px;margin-bottom:12px;letter-spacing:1px;}
.testi-text{font-size:14px;color:var(--dark);line-height:1.7;margin-bottom:18px;font-weight:300;}
.testi-author{display:flex;align-items:center;gap:12px;}
.avatar{width:40px;height:40px;border-radius:50%;background:var(--blue);display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:600;color:#fff;flex-shrink:0;}
.avatar.gold{background:var(--gold);color:var(--dark);}
.testi-name{font-size:14px;font-weight:600;color:var(--dark);}
.testi-loc{font-size:12px;color:var(--muted);}
.testi-flag{font-size:16px;}

/* ── FOOTER ── */
footer{background:var(--dark);color:rgba(255,255,255,.65);padding:60px 2rem 28px;}
.footer-inner{max-width:1100px;margin:0 auto;}
.footer-grid{display:grid;grid-template-columns:2.2fr 1fr 1fr 1fr;gap:40px;margin-bottom:44px;}
.footer-logo{display:flex;align-items:center;gap:10px;margin-bottom:4px;}
.footer-logo-text{font-family:'Playfair Display',serif;font-size:20px;color:#fff;}
.footer-logo-text em{font-style:normal;color:var(--gold);}
.footer-brand p{font-size:13px;line-height:1.8;margin-top:12px;max-width:270px;font-weight:300;}
.footer-brand{font-size:13px;color:rgba(255,255,255,.5);line-height:1.8;margin-top:10px;max-width:280px;font-weight:300;}
.footer-langs{display:flex;gap:6px;flex-wrap:wrap;margin-top:16px;}
.lang-pill{font-size:11px;background:rgba(255,255,255,.08);padding:4px 10px;border-radius:6px;color:rgba(255,255,255,.55);}
.footer-col h4{font-size:13px;font-weight:600;color:#fff;margin-bottom:16px;letter-spacing:.04em;}
.footer-col a{display:block;font-size:13px;margin-bottom:10px;color:rgba(255,255,255,.5);transition:color .2s;font-weight:300;}
.footer-col a:hover{color:var(--gold);}
.footer-hours{display:block;font-size:13px;color:rgba(255,255,255,.5);font-weight:300;}
.footer-bottom{border-top:.5px solid rgba(255,255,255,.08);padding-top:22px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;font-size:12px;color:rgba(255,255,255,.35);}
.ssl-chip{display:flex;align-items:center;gap:6px;background:rgba(255,255,255,.06);padding:5px 12px;border-radius:8px;color:rgba(255,255,255,.45);}
.ssl-chip svg{width:12px;height:12px;}
.contact-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;margin-top:40px;}
.contact-photo,.legal-photo{max-width:900px;margin:32px auto 0;}
.contact-card{padding:30px;border:1px solid var(--border);border-radius:var(--rl);background:#fff;box-shadow:var(--shadow);}
.contact-card-icon{width:44px;height:44px;display:flex;align-items:center;justify-content:center;margin-bottom:18px;border-radius:12px;background:var(--blue3);color:var(--blue);font-size:22px;}
.contact-card h2{margin-bottom:8px;color:var(--blue);font-size:20px;}
.contact-card p{margin-bottom:14px;color:var(--muted);font-size:14px;line-height:1.7;}
.contact-card a,.contact-card strong{color:var(--blue);font-size:14px;font-weight:600;}
.contact-fab{position:fixed;right:max(20px,env(safe-area-inset-right));bottom:max(20px,env(safe-area-inset-bottom));z-index:250;display:flex;flex-direction:column;align-items:flex-end;gap:12px;}
.contact-fab-options{display:flex;flex-direction:column;align-items:flex-end;gap:10px;}
.contact-fab-options[hidden]{display:none;}
.contact-fab-option{display:flex;align-items:center;gap:10px;color:var(--dark);}
.contact-fab-label{padding:8px 12px;border-radius:20px;background:#fff;box-shadow:0 3px 12px rgba(0,0,0,.14);font-size:13px;font-weight:600;white-space:nowrap;}
.contact-fab-icon,.contact-fab-toggle{width:52px;height:52px;display:flex;align-items:center;justify-content:center;flex-shrink:0;border:0;border-radius:50%;color:#fff;box-shadow:0 4px 16px rgba(0,0,0,.22);}
.contact-fab-icon svg,.contact-fab-toggle svg{width:27px;height:27px;fill:currentColor;}
.contact-fab-icon svg{display:block;}
.whatsapp-option .contact-fab-icon{background:#25D366;}
.site-message-option .contact-fab-icon{background:var(--blue);}
.email-option .contact-fab-icon{background:var(--gold);color:var(--dark);}
.contact-fab-toggle{background:var(--blue);cursor:pointer;transition:transform .2s,background .2s;}
.contact-fab-toggle:hover{background:var(--blue2);transform:translateY(-2px);}
.contact-fab-toggle:focus-visible,.contact-fab-option:focus-visible{outline:3px solid var(--gold);outline-offset:3px;}
.contact-fab-toggle>svg:not(.contact-fab-chat):not(.contact-fab-close){display:none;}
.contact-fab-toggle .contact-fab-close{display:none;}
.contact-fab-toggle .contact-fab-chat{display:block;}
.contact-fab-toggle[aria-expanded="true"] .contact-fab-chat{display:none;}
.contact-fab-toggle[aria-expanded="true"] .contact-fab-close{display:block;}

/* ── RESPONSIVE ── */
@media(max-width:900px){
  .hero{grid-template-columns:1fr;min-height:auto;}
  .hero-right{min-height:360px;padding:0 1.5rem 48px;}
  .hero-photo{width:min(88%,560px);height:300px;}
  .hero-card-float{transform:scale(.9);}
  .hero-left{padding:60px 1.5rem;}
  nav{position:sticky;z-index:300;}
  .nav-toggle{width:42px;height:42px;border:1px solid var(--border);border-radius:10px;background:#fff;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:5px;cursor:pointer;flex-shrink:0;}
  .nav-toggle span{display:block;width:19px;height:2px;border-radius:2px;background:var(--blue);}
  .nav-menu-panel{display:none;position:absolute;top:100%;left:0;right:0;max-height:calc(100dvh - 68px);overflow-y:auto;flex-direction:column;align-items:stretch;gap:12px;padding:12px 1.5rem 18px;background:#fff;border-bottom:1px solid var(--border);box-shadow:0 10px 22px rgba(26,58,110,.12);}
  .nav-menu-panel.open{display:flex;}
  .nav-links{display:flex;flex-direction:column;gap:0;}
  .nav-links a{padding:12px 4px;border-bottom:1px solid var(--border);}
  .nav-links a::after{display:none;}
  .nav-right{justify-content:space-between;}
  .faq-layout{grid-template-columns:1fr;gap:32px;}
  .stats-bar{grid-template-columns:repeat(2,1fr);}
  .how-grid{grid-template-columns:repeat(2,1fr);}
  .how-grid::before{display:none;}
  .footer-grid{grid-template-columns:1fr 1fr;}
}
@media(max-width:600px){
  nav{padding:0 1.2rem;}
  .nav-menu-panel{padding-left:1.2rem;padding-right:1.2rem;}
  .nav-right{gap:8px;}
  .lang-btn{padding:6px 8px;font-size:12px;}
  .btn-nav{padding:9px 12px;font-size:13px;}
  .how-photo{height:190px;}
  .loan-card-photo{height:118px;}
  .page-photo{height:180px;}
  .form-photo{height:160px;}
  .form-section{padding:56px 1.2rem;}
  .trust-item{flex-direction:column;text-align:center;padding:16px;}
  .trust-banner-inner{flex-direction:column;}
  .trust-item{border-right:none;border-bottom:.5px solid var(--border);}
  .field-row{grid-template-columns:1fr;}
  .form-body{padding:24px 20px;}
  .form-header{padding:24px 20px;}
  .progress-wrap{padding:20px 20px 0;}
  .popup-body{padding:20px;}
  .popup-head{padding:20px;}
  .footer-grid{grid-template-columns:1fr;}
  .contact-fab{right:max(16px,env(safe-area-inset-right));bottom:max(16px,env(safe-area-inset-bottom));}
  .contact-fab-icon,.contact-fab-toggle{width:50px;height:50px;}
  .contact-fab-icon svg,.contact-fab-toggle svg{width:25px;height:25px;}
}
@media(max-width:360px){
  nav{padding:0 10px;}
  .nav-logo{gap:7px;}
  .logo-icon{width:32px;height:32px;border-radius:8px;}
  .logo-icon svg{width:19px;height:19px;}
  .logo-text{font-size:19px;}
  .nav-menu-panel{padding-left:10px;padding-right:10px;}
}

/* ── EMBELLISSEMENTS (fonds décoratifs) ── */
.hero-bg::after{content:'';position:absolute;left:0;right:0;bottom:-1px;height:90px;background:url(../images/hero-wave.svg) center bottom/100% 100% no-repeat;}
#how{background-image:url(../images/bg-arcs.svg)!important;background-size:cover!important;background-position:center!important;}
#testi{background:#fff url(../images/bg-waves.svg) center bottom/100% 60% no-repeat;}
#loans{background:#fff url(../images/bg-arcs.svg) center top/cover no-repeat;}
.contact-card,.loan-card{transition:transform .25s ease,box-shadow .25s ease;}
.contact-card:hover,.loan-card:hover{transform:translateY(-4px);box-shadow:0 12px 36px rgba(26,58,110,.14);}

/* ── MESSAGERIE ── */
.cn-wrap{max-width:1180px;margin:0 auto;padding:44px 1.5rem 80px}
.cn-card{background:#fff;border:.5px solid var(--border);border-radius:var(--rl);box-shadow:var(--shadow);padding:28px}
.cn-narrow{max-width:460px;margin:0 auto}
.cn-tabs{display:flex;gap:8px;margin-bottom:20px}
.cn-tabs button{flex:1;padding:10px 6px;border-radius:10px;border:.5px solid var(--border);background:#fff;cursor:pointer;font:500 13px 'DM Sans',sans-serif;color:var(--dark)}
.cn-tabs button.on{background:var(--blue);color:#fff}
.cn-field{display:block;margin-bottom:13px}
.cn-field span{display:block;font-size:12px;font-weight:600;color:var(--muted);margin-bottom:5px}
.cn-field input,.cn-field textarea,.cn-search{width:100%;padding:11px 13px;border:.5px solid var(--border);border-radius:10px;font:15px 'DM Sans',sans-serif;background:#fff}
.cn-btn{background:var(--gold);color:var(--dark);border:0;border-radius:10px;padding:12px 22px;font:600 14px 'DM Sans',sans-serif;cursor:pointer}
.cn-btn:hover{background:var(--gold2)}
.cn-btn.alt{background:var(--blue);color:#fff}
.cn-btn.ghost{background:transparent;color:var(--blue);border:.5px solid var(--border)}
.cn-btn.danger{background:#fff;color:#b3261e;border:.5px solid #b3261e}
.cn-btn.sm{padding:7px 12px;font-size:12px}
.cn-msg-note{font-size:13px;margin-top:12px;color:var(--muted);line-height:1.5}
.cn-err{color:#b3261e}
.cn-top{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:16px;flex-wrap:wrap}
.cn-top h1{font-size:26px;color:var(--blue)}
.cn-chat{display:flex;flex-direction:column;height:68vh;min-height:420px}
.cn-log{flex:1;overflow-y:auto;padding:16px;background:var(--blue3);border-radius:14px;display:flex;flex-direction:column;gap:8px}
.cn-b{max-width:78%;padding:10px 14px;border-radius:14px;font-size:14px;line-height:1.55;white-space:pre-wrap;overflow-wrap:anywhere}
.cn-b.me{align-self:flex-end;background:var(--blue);color:#fff;border-bottom-right-radius:4px}
.cn-b.them{align-self:flex-start;background:#fff;border:.5px solid var(--border);border-bottom-left-radius:4px}
.cn-b small{display:block;font-size:11px;opacity:.65;margin-top:4px}
.cn-b.fail{outline:2px solid #b3261e;cursor:pointer}
.cn-empty{margin:auto;color:var(--muted);font-size:14px;text-align:center;max-width:320px;line-height:1.6}
.cn-more{align-self:center}
.cn-compose{margin-top:10px}
.cn-attachment-tools{display:flex;align-items:center;gap:8px;flex-wrap:wrap;margin-bottom:8px}
.cn-attachment-name{max-width:220px;overflow:hidden;text-overflow:ellipsis;white-space:nowrap;font-size:12px;color:var(--muted)}
.cn-attachment{display:flex;flex-direction:column;gap:5px;margin-top:7px;max-width:min(100%,320px)}
.cn-attachment a{display:flex;flex-direction:column;gap:6px;color:inherit;text-decoration:underline;overflow-wrap:anywhere}
.cn-attachment img{display:block;max-width:100%;max-height:220px;object-fit:contain;border-radius:9px}
.cn-attachment small{font-size:11px;opacity:.75}
.cn-send{display:flex;gap:10px;margin-top:12px}
.cn-send textarea{flex:1;resize:none;height:48px;padding:12px 13px;border:.5px solid var(--border);border-radius:10px;font:15px 'DM Sans',sans-serif}
.cn-admin{display:grid;grid-template-columns:minmax(0,1fr);gap:16px;align-items:start}
.cn-admin #chatPane,.cn-admin #info{display:none}
.cn-admin.conversation-open{grid-template-columns:300px minmax(0,1fr) 290px}
.cn-admin.conversation-open #chatPane{display:flex}
.cn-admin.conversation-open #info{display:block}
.cn-side{display:flex;flex-direction:column;gap:10px;max-height:72vh;overflow-y:auto}
.cn-chat-header{justify-content:flex-start;align-items:center;flex-wrap:nowrap}
.cn-chat-title{min-width:0;flex:1;overflow-wrap:anywhere}
.cn-chat-actions{display:flex;gap:6px;flex-wrap:wrap;justify-content:flex-end}
.cn-back{display:inline-flex;white-space:nowrap}
.cn-conv{display:block;width:100%;text-align:left;padding:12px 14px;border-radius:12px;border:.5px solid var(--border);background:#fff;cursor:pointer;font:14px 'DM Sans',sans-serif}
.cn-conv.on{border-color:var(--blue);background:var(--blue3)}
.cn-conv b{display:flex;justify-content:space-between;gap:8px;color:var(--dark)}
.cn-conv small{display:block;color:var(--muted);font-size:12px;margin-top:4px}
.cn-dot{width:9px;height:9px;border-radius:50%;background:var(--gold);flex-shrink:0;margin-top:5px}
.cn-info h3{font-size:15px;color:var(--blue);margin:0 0 8px}
.cn-info .cn-box{border:.5px solid var(--border);border-radius:12px;padding:12px;margin-bottom:12px;font-size:13px;line-height:1.6}
.cn-info select{width:100%;margin-top:6px;padding:6px;border-radius:8px;border:.5px solid var(--border)}
.cn-note-item{background:var(--gold-pale);border-radius:8px;padding:8px 10px;margin-bottom:6px;font-size:12.5px;white-space:pre-wrap}
.cn-usage{font-size:12px;color:var(--muted)}
.btn-alt{flex:1;background:#fff;color:var(--blue);border:1px solid var(--blue);border-radius:10px;padding:11px 12px;font-size:13px;font-weight:600;cursor:pointer}
.btn-alt:hover{background:var(--blue3)}
.popup-choose{margin-top:10px}.popup-choose p{font-size:12px;color:var(--muted);margin:10px 0 0;line-height:1.55}
@media(max-width:900px){
  .cn-admin{grid-template-columns:minmax(0,1fr);gap:12px}
  .cn-admin.conversation-open{grid-template-columns:minmax(0,1fr)}
  .cn-side{max-height:none}
  .cn-admin.conversation-open .cn-side{display:none}
  .cn-admin.conversation-open #chatPane{display:flex;grid-column:1;min-width:0;height:calc(100dvh - 190px);min-height:360px;padding:16px}
  .cn-admin.conversation-open #info{display:none}
  .cn-chat-header{gap:8px}
  .cn-back{display:inline-flex;padding:7px 9px;font-size:11px}
  .cn-chat-title{font-size:14px}
  .cn-send{align-items:stretch}
  .cn-send textarea{min-width:0}
  .cn-send .cn-btn{padding:10px 14px}
  .cn-b{max-width:90%}
}
@media(max-width:480px){
  .cn-wrap{padding:24px 12px 40px}
  .cn-admin.conversation-open #chatPane{height:calc(100dvh - 150px);min-height:300px;padding:12px}
  .cn-log{padding:12px}
  .cn-chat-header{align-items:flex-start}
  .cn-chat-title{font-size:13px}
  .cn-chat-header .cn-btn{white-space:nowrap}
  .cn-send{gap:6px}
  .cn-send textarea{height:46px;padding:11px;font-size:14px}
  .cn-send .cn-btn{padding:9px 10px;font-size:12px}
}