/*===========================================
  FINLURA DIGITAL - Custom Design Overrides
  Modern Fintech Style
===========================================*/

/* ============ VARIABLES ============ */
:root {
    --primary: #1a56db;
    --primary-dark: #1e40af;
    --primary-light: #3b82f6;
    --secondary: #10b981;
    --secondary-dark: #059669;
    --accent: #f59e0b;
    --dark: #0f172a;
    --gray-dark: #334155;
    --gray: #64748b;
    --gray-light: #e2e8f0;
    --white: #ffffff;
    --bg-light: #f8fafc;
    --gradient-primary: linear-gradient(135deg, #1a56db 0%, #3b82f6 100%);
    --gradient-secondary: linear-gradient(135deg, #10b981 0%, #34d399 100%);
    --gradient-dark: linear-gradient(135deg, #0f172a 0%, #1e293b 100%);
    --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
    --shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
    --shadow-md: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
    --shadow-lg: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 10px 10px -5px rgba(0, 0, 0, 0.04);
    --shadow-xl: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
    --radius: 8px;
    --radius-lg: 10px;
    --transition: all 0.3s ease;
}

/* ============ GLOBAL ============ */
body {
    font-family: 'Poppins', -apple-system, BlinkMacSystemFont, sans-serif;
    background-color: var(--bg-light);
    color: var(--gray-dark);
    line-height: 1.7;
}

h1, h2, h3, h4, h5, h6 {
    color: var(--dark);
    font-weight: 600;
    letter-spacing: -0.02em;
}

h1 { font-size: 2.5rem; line-height: 1.2; }
h2 { font-size: 2rem; line-height: 1.3; }
h3 { font-size: 1.5rem; }

a {
    color: var(--primary);
    transition: var(--transition);
}

a:hover {
    color: var(--primary-dark);
    text-decoration: none;
}

/* ============ HEADER MODERNE ============ */
.sticky-top {
    box-shadow: var(--shadow-md);
    z-index: 1000;
    background: var(--white);
}

/* Header responsive mobile */
@media (max-width: 767px) {
    .sticky-top .bg-white.py-2 {
        padding: 10px 0 !important;
    }

    .lang-dropdown-wrap .lang-toggle-btn {
        padding: 3px 8px;
        font-size: 11px;
    }

    .header-primary .navbar {
        padding: 8px 0;
    }
}

@media (max-width: 480px) {
    .sticky-top .bg-white.py-2 {
        padding: 8px 0 !important;
    }
}

/* Top bar info */
.bg-white.py-3.border-top {
    background: var(--white) !important;
    border-top: none !important;
    border-bottom: 1px solid var(--gray-light) !important;
    padding: 12px 0 !important;
}

.quick-info {
    font-size: 14px;
    color: var(--gray);
}

.quick-info span {
    margin-right: 20px;
}

.quick-info a {
    color: var(--primary);
    font-weight: 500;
}

.quick-info a:hover {
    color: var(--secondary);
}

/* Logo area */
.logo {
    display: flex;
    align-items: center;
    gap: 15px;
}

.logo-text {
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--primary);
    letter-spacing: -1px;
}

.logo-text span {
    color: var(--secondary);
}

/* Navigation principale */
.bg-primary, .navbar.bg-primary {
    background: var(--gradient-primary) !important;
}

.header-primary {
    box-shadow: var(--shadow);
}

.navbar-nav .nav-link {
    color: rgba(255, 255, 255, 0.9) !important;
    font-weight: 500;
    font-size: 15px;
    padding: 15px 18px !important;
    transition: var(--transition);
    position: relative;
}

.navbar-nav .nav-link:hover,
.navbar-nav .nav-link:focus {
    color: var(--white) !important;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 8px;
}

.navbar-nav .nav-link::after {
    content: '';
    position: absolute;
    bottom: 8px;
    left: 50%;
    transform: translateX(-50%) scaleX(0);
    width: 30px;
    height: 2px;
    background: var(--white);
    transition: transform 0.3s ease;
}

.navbar-nav .nav-link:hover::after {
    transform: translateX(-50%) scaleX(1);
}

.dropdown-menu {
    border: none;
    border-radius: var(--radius);
    box-shadow: var(--shadow-lg);
    padding: 10px;
    margin-top: 10px;
    animation: fadeInDown 0.3s ease;
}

.dropdown-item {
    border-radius: 8px;
    padding: 10px 15px;
    font-size: 14px;
    color: var(--gray-dark);
    transition: var(--transition);
}

.dropdown-item:hover {
    background: var(--bg-light);
    color: var(--primary);
    transform: translateX(5px);
}

/* ============ BOUTONS ============ */
.btn {
    border-radius: 50px;
    padding: 12px 28px;
    font-weight: 600;
    font-size: 14px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    transition: var(--transition);
    border: none;
    box-shadow: var(--shadow);
}

.btn-primary {
    background: var(--gradient-primary);
    color: var(--white);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
    background: var(--gradient-primary);
}

.btn-secondary {
    background: var(--gradient-secondary) !important;
    color: var(--white) !important;
    border: none !important;
}

.btn-secondary:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 20px rgba(16, 185, 129, 0.3);
}

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

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

.btn-sm {
    padding: 8px 20px;
    font-size: 13px;
}

/* ============ CARTES ============ */
.card {
    border: none;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow);
    transition: var(--transition);
    overflow: hidden;
}

.card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
}

.card-body {
    padding: 30px;
}

/* Service boxes */
.service-img-box {
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow);
    transition: var(--transition);
}

.service-img-box:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-xl);
}

.service-img img {
    transition: transform 0.5s ease;
}

.service-img-box:hover .service-img img {
    transform: scale(1.1);
}

.service-content {
    border-radius: 0 0 var(--radius-lg) var(--radius-lg);
}

/* ============ SECTIONS ============ */
.section-title {
    margin-bottom: 50px;
}

.section-title h1,
.section-title h2 {
    position: relative;
    display: inline-block;
    padding-bottom: 15px;
}

.section-title h1::after,
.section-title h2::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 50%;
    transform: translateX(-50%);
    width: 60px;
    height: 4px;
    background: var(--gradient-secondary);
    border-radius: 2px;
}

/* ============ SLIDER ============ */
.slider-second#slider {
    margin-top: 5px;
}

/* Style des captions - positionnement ajusté */
.slider-captions {
    background: rgba(255, 255, 255, 0.95);
    padding: 25px 30px !important;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    backdrop-filter: blur(10px);
    max-width: 450px;
    /* Réduire bottom pour garder la caption plus bas */
    bottom: 60px !important;
}

.slider-title {
    color: var(--dark) !important;
    font-size: 1.5rem !important;
    font-weight: 700 !important;
    margin-bottom: 12px !important;
    line-height: 1.3 !important;
}

.slider-text {
    color: var(--gray) !important;
    font-size: 0.95rem !important;
    margin-bottom: 15px !important;
    line-height: 1.5 !important;
}

.slider-text span {
    font-size: 1.2rem !important;
}

.slider-captions .btn {
    padding: 10px 25px !important;
    font-size: 0.9rem !important;
}

/* Cacher la caption sur mobile */
@media (max-width: 767px) {
    .slider-captions {
        display: none !important;
    }
}

/* Tablette et desktop moyen */
@media (min-width: 992px) {
    .slider-captions {
        padding: 30px 35px !important;
        max-width: 480px;
        bottom: 80px !important;
    }

    .slider-title {
        font-size: 1.7rem !important;
    }

    .slider-text {
        font-size: 1rem !important;
    }

    .slider-text span {
        font-size: 1.4rem !important;
    }
}

/* Grand desktop */
@media (min-width: 1400px) {
    .slider-captions {
        padding: 35px 40px !important;
        max-width: 520px;
        bottom: 100px !important;
    }

    .slider-title {
        font-size: 1.9rem !important;
    }

    .slider-text {
        font-size: 1.05rem !important;
    }

    .slider-text span {
        font-size: 1.5rem !important;
    }
}

.slider-title {
    color: var(--dark) !important;
    font-size: 2.2rem !important;
    font-weight: 700 !important;
    margin-bottom: 20px !important;
}

.slider-text {
    color: var(--gray) !important;
    font-size: 1.1rem !important;
    margin-bottom: 25px !important;
}

/* ============ STATS / FEATURES ============ */
.bg-primary-light {
    background: linear-gradient(135deg, #eff6ff 0%, #dbeafe 100%) !important;
}

.icon-4x {
    font-size: 3rem;
    color: var(--primary) !important;
    margin-bottom: 15px;
}

.big-title {
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--primary);
}

/* ============ CTA SECTION ============ */
.cta-section, [class*="cta"] {
    background: var(--gradient-dark) !important;
    border-radius: var(--radius-lg);
    position: relative;
    overflow: hidden;
}

.cta-section::before {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(59, 130, 246, 0.3) 0%, transparent 70%);
}

/* ============ FORMULAIRES ============ */
.form-control {
    border: 2px solid var(--gray-light);
    border-radius: var(--radius);
    padding: 14px 18px;
    font-size: 15px;
    transition: var(--transition);
}

.form-control:focus {
    border-color: var(--primary);
    box-shadow: 0 0 0 4px rgba(26, 86, 219, 0.1);
}

/* ============ FOOTER ============ */
.footer {
    background: var(--gradient-dark) !important;
    color: rgba(255, 255, 255, 0.8);
    padding-top: 80px !important;
}

.footer h3, .footer h4, .footer h5 {
    color: var(--white);
    margin-bottom: 25px;
}

.footer p {
    color: rgba(255, 255, 255, 0.7);
}

.footer a {
    color: rgba(255, 255, 255, 0.7);
    transition: var(--transition);
}

.footer a:hover {
    color: var(--secondary);
    padding-left: 5px;
}

.footer .listnone li {
    margin-bottom: 12px;
}

.footer-logo img {
    max-width: 180px;
    filter: brightness(0) invert(1);
}

.widget-text p {
    color: rgba(255, 255, 255, 0.7) !important;
}

.address-text, .call-text {
    color: rgba(255, 255, 255, 0.8) !important;
}

.address-text i, .call-text i {
    color: var(--secondary) !important;
    margin-right: 10px;
}

.tiny-footer {
    background: rgba(0, 0, 0, 0.2) !important;
    padding: 20px 0;
}

.tiny-footer p {
    color: rgba(255, 255, 255, 0.6);
    margin: 0;
}

.tiny-footer a {
    color: rgba(255, 255, 255, 0.8);
}

.tiny-footer a:hover {
    color: var(--secondary);
}

/* ============ ANIMATIONS ============ */
@keyframes fadeInDown {
    from {
        opacity: 0;
        transform: translateY(-10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes pulse {
    0%, 100% { transform: scale(1); }
    50% { transform: scale(1.05); }
}

/* Animation classes */
.animate-fade-in {
    animation: fadeInUp 0.6s ease forwards;
}

.animate-delay-1 { animation-delay: 0.1s; }
.animate-delay-2 { animation-delay: 0.2s; }
.animate-delay-3 { animation-delay: 0.3s; }

/* Hover effects */
.hover-lift {
    transition: var(--transition);
}

.hover-lift:hover {
    transform: translateY(-5px);
}

.hover-scale {
    transition: var(--transition);
}

.hover-scale:hover {
    transform: scale(1.02);
}

/* ============ BACK TO TOP ============ */
.cd-top {
    background: var(--gradient-primary) !important;
    width: 50px;
    height: 50px;
    border-radius: 50%;
    box-shadow: var(--shadow-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
}

.cd-top:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-xl);
}

/* ============ PAGE HEADER ============ */
.page-header {
    position: relative;
    padding: 60px 0;
    background-size: cover !important;
    background-position: center !important;
    background-repeat: no-repeat !important;
}

.page-header::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(135deg, rgba(26, 86, 219, 0.85) 0%, rgba(15, 23, 42, 0.75) 100%);
    z-index: 1;
}

.page-header > * {
    position: relative;
    z-index: 2;
}

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

.page-header .page-title {
    color: var(--secondary-dark);
    font-size: 2.2rem;
    font-weight: 700;
    text-shadow: 0 2px 4px rgba(0,0,0,0.2);
}

.breadcrumb {
    background: transparent;
    margin-bottom: 0;
    padding: 0;
}

.breadcrumb li, .breadcrumb a {
    color: rgba(255, 255, 255, 0.85);
    font-size: 14px;
}

.breadcrumb li.active {
    color: var(--white);
    font-weight: 500;
}

.breadcrumb-item + .breadcrumb-item::before {
    color: rgba(255, 255, 255, 0.6);
}

/* ============ RATE TABLE ============ */
.rate-table {
    background: var(--white);
    padding: 40px 0;
}

.rate-counter-block {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 25px 20px;
    text-align: center;
    box-shadow: var(--shadow);
    transition: var(--transition);
    border: 2px solid transparent;
}

.rate-counter-block:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
    border-color: var(--primary);
}

.rate-icon {
    margin-bottom: 15px;
}

.rate-icon img {
    width: 50px;
    height: 50px;
}

.loan-rate {
    font-size: 2.2rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 5px;
}

.rate-title {
    font-size: 14px;
    color: var(--gray);
    font-weight: 500;
}

.rate-table .card {
    border: 2px solid var(--gray-light);
}

.rate-table .card:hover {
    border-color: var(--primary);
}

/* ============ TESTIMONIALS ============ */
.testimonial-block {
    transition: var(--transition);
}

.testimonial-block:hover {
    transform: translateY(-5px);
}

.testimonial-block .bg-white {
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow);
    position: relative;
}

.testimonial-block .bg-white::after {
    content: '';
    position: absolute;
    bottom: -10px;
    left: 30px;
    width: 0;
    height: 0;
    border-left: 10px solid transparent;
    border-right: 10px solid transparent;
    border-top: 10px solid #fff;
}

.testimonial-text {
    font-style: italic;
    color: var(--gray-dark);
    line-height: 1.7;
}

.testimonial-img img {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    object-fit: cover;
    border: 3px solid var(--secondary);
}

.testimonial-name {
    color: var(--white);
    font-weight: 600;
    margin-bottom: 2px;
}

.testimonial-meta {
    font-size: 13px;
    opacity: 0.8;
}

/* ============ SERVICE BOXES ============ */
.service-content .title {
    color: var(--dark);
    font-weight: 600;
    transition: var(--transition);
}

.service-content .title:hover {
    color: var(--primary);
}

.btn-link {
    color: var(--primary);
    font-weight: 500;
    transition: var(--transition);
}

.btn-link:hover {
    color: var(--secondary);
    text-decoration: none;
}

.btn-secondary-link {
    color: var(--secondary);
    font-weight: 500;
    transition: var(--transition);
}

.btn-secondary-link:hover {
    color: var(--primary);
}

/* ============ OVERLAY SECTION ============ */
.overlay-section {
    margin-top: -60px;
    position: relative;
    z-index: 10;
}

.overlay-section .card {
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
}

/* Cartes de prêts défilables horizontalement sur mobile */
@media (max-width: 767px) {
    .overlay-section {
        margin-top: -30px;
    }

    .overlay-section > .row {
        display: flex;
        flex-wrap: nowrap !important;
        overflow-x: auto;
        overflow-y: hidden;
        -webkit-overflow-scrolling: touch;
        scrollbar-width: none; /* Firefox */
        -ms-overflow-style: none; /* IE */
        padding-bottom: 15px;
        margin-left: -15px;
        margin-right: -15px;
        padding-left: 15px;
        padding-right: 40px;
        position: relative;
    }

    .overlay-section > .row::-webkit-scrollbar {
        display: none; /* Chrome, Safari */
    }

    /* Indicateur de défilement - dégradé à droite (suit la taille du row) */
    .overlay-section > .row::after {
        content: '';
        position: sticky;
        right: 0;
        top: 0;
        min-width: 50px;
        height: 100%;
        background: linear-gradient(to left, rgba(248, 250, 252, 1) 0%, rgba(248, 250, 252, 0) 100%);
        pointer-events: none;
        flex-shrink: 0;
        margin-left: -50px;
    }

    /* Indicateur flèche de scroll */
    .overlay-section > .row::before {
        content: '›';
        position: sticky;
        right: 5px;
        top: 50%;
        min-width: 30px;
        height: 30px;
        background: var(--primary);
        color: white;
        border-radius: 50%;
        display: flex;
        align-items: center;
        justify-content: center;
        font-size: 24px;
        font-weight: bold;
        z-index: 10;
        animation: scrollHint 1.5s ease-in-out infinite;
        pointer-events: none;
        flex-shrink: 0;
        margin-left: -30px;
        box-shadow: 0 2px 8px rgba(0,0,0,0.2);
    }

    @keyframes scrollHint {
        0%, 100% { opacity: 1; transform: translateX(0); }
        50% { opacity: 0.7; transform: translateX(-5px); }
    }

    .overlay-section > .row > [class*="col-"] {
        flex: 0 0 280px;
        max-width: 280px;
        min-width: 280px;
        padding-right: 15px;
    }

    .overlay-section .card {
        height: 100%;
    }
}

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

/* TABLETTE (max 991px) */
@media (max-width: 991px) {
    /* Navigation mobile - overlay au-dessus du contenu */
    .navbar-collapse {
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        z-index: 1050;
        background: var(--white);
        padding: 20px;
        border-radius: 0 0 var(--radius) var(--radius);
        box-shadow: var(--shadow-lg);
    }

    .navbar-nav .nav-link {
        color: var(--dark) !important;
        padding: 12px 15px !important;
    }

    .navbar-nav .nav-link:hover {
        background: var(--bg-light);
    }

    .navbar-nav .nav-link::after {
        display: none;
    }

    /* Titres */
    h1 { font-size: 1.8rem; }
    h2 { font-size: 1.5rem; }
    h3 { font-size: 1.3rem; }

    /* Sections */
    .section-space80, .section-space100 {
        padding: 50px 0 !important;
    }

    /* Page header */
    .page-header {
        padding: 40px 0;
    }

    .page-title {
        font-size: 1.6rem !important;
    }

    /* Overlay section */
    .overlay-section {
        margin-top: -30px;
    }

    /* Rate table */
    .rate-counter-block {
        margin-bottom: 20px;
    }

    .loan-rate {
        font-size: 1.8rem;
    }

    /* Testimonials */
    .testimonial-block {
        margin-bottom: 30px;
    }

    /* Footer */
    .footer-widget {
        margin-bottom: 30px;
    }
}

/* MOBILE (max 767px) */
@media (max-width: 767px) {
    /* Header */
    .quick-info {
        display: none !important;
    }

    .logo-text {
        font-size: 1.4rem !important;
    }

    /* Titres */
    h1 { font-size: 1.5rem; }
    h2 { font-size: 1.3rem; }

    /* Sections */
    .section-space80, .section-space100 {
        padding: 40px 0 !important;
    }

    .section-title {
        margin-bottom: 30px !important;
    }

    .section-title h1 {
        font-size: 1.5rem;
    }

    .section-title p {
        font-size: 0.95rem;
    }

    /* Boutons */
    .btn {
        padding: 10px 20px;
        font-size: 14px;
    }

    .btn-action {
        text-align: center;
        margin-top: 15px;
    }

    /* Cards */
    .card-body {
        padding: 20px;
    }

    /* Features */
    .feature {
        text-align: center;
        margin-bottom: 25px;
    }

    .feature-icon {
        margin-bottom: 15px;
    }

    /* Page header */
    .page-header {
        padding: 30px 0;
    }

    .page-title {
        font-size: 1.4rem !important;
    }

    .sub-nav {
        display: none;
    }

    /* Rate table */
    .loan-rate {
        font-size: 1.5rem;
    }

    .rate-title {
        font-size: 12px;
    }

    /* Formulaires */
    .form-control {
        padding: 10px 15px;
        font-size: 14px;
    }

    /* Tables */
    .table {
        font-size: 13px;
    }
}

/* PETIT MOBILE (max 480px) */
@media (max-width: 480px) {
    /* Container padding */
    .container {
        padding-left: 15px;
        padding-right: 15px;
    }

    /* Titres */
    h1 { font-size: 1.3rem; }
    h2 { font-size: 1.2rem; }

    /* Logo */
    .logo-text {
        font-size: 1.2rem !important;
    }

    /* Sections */
    .section-space80, .section-space100 {
        padding: 30px 0 !important;
    }

    .pinside40 {
        padding: 20px !important;
    }

    /* Cards */
    .card-body {
        padding: 15px;
    }

    /* Boutons */
    .btn {
        padding: 8px 16px;
        font-size: 13px;
        width: 100%;
    }

    .btn + .btn {
        margin-top: 10px;
    }

    /* Rate table */
    .rate-counter-block {
        padding: 15px 10px;
    }

    .loan-rate {
        font-size: 1.3rem;
    }

    /* Footer */
    .footer-bottom {
        text-align: center;
    }

    .footer-bottom .text-right {
        text-align: center !important;
        margin-top: 10px;
    }
}

/* ============ UTILITIES ============ */
.text-gradient {
    background: var(--gradient-primary);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.bg-gradient-primary {
    background: var(--gradient-primary) !important;
}

.bg-gradient-secondary {
    background: var(--gradient-secondary) !important;
}

.rounded-xl {
    border-radius: var(--radius-lg) !important;
}

.shadow-custom {
    box-shadow: var(--shadow-lg) !important;
}

/* ============ FORMULAIRES AMELIORES ============ */

/* CTA Banner au-dessus du formulaire */
.form-cta-banner {
    background: var(--gradient-primary);
    color: var(--white);
    padding: 18px 30px;
    border-radius: var(--radius-lg) var(--radius-lg) 0 0;
    text-align: center;
}

.form-cta-banner h2 {
    color: var(--white);
    font-size: 1.3rem;
    margin-bottom: 4px;
}

.form-cta-banner p {
    color: rgba(255, 255, 255, 0.85);
    margin-bottom: 0;
    font-size: 0.85rem;
}

/* Card formulaire */
.card-form {
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.08);
    border-left: 3px solid var(--primary);
    overflow: hidden;
    max-width: 650px;
    margin-left: auto;
    margin-right: auto;
}

.card-form .card-form-body {
    padding: 22px 25px;
}

/* Sous-titres de section dans le formulaire */
.form-section-title {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--primary);
    margin-bottom: 10px;
    padding-bottom: 6px;
    border-bottom: 1px solid var(--gray-light);
    display: flex;
    align-items: center;
    gap: 6px;
}

.form-section-title i {
    color: var(--primary);
    font-size: 0.9rem;
}

/* Labels masqués (accessibilité) */
.card-form label,
.form-enhanced label {
    display: none;
}

/* Input group avec icône intégrée */
.card-form .input-icon-group,
.form-enhanced .input-icon-group {
    position: relative;
}

.card-form .input-icon-group .input-icon,
.form-enhanced .input-icon-group .input-icon {
    position: absolute;
    left: 12px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--primary);
    font-size: 13px;
    z-index: 2;
    pointer-events: none;
}

.card-form .input-icon-group .form-control,
.form-enhanced .input-icon-group .form-control {
    padding-left: 34px;
}

.card-form .input-icon-group textarea.form-control {
    padding-top: 10px;
}

.card-form .input-icon-group textarea.form-control + .input-icon,
.card-form .input-icon-group .input-icon.icon-textarea {
    top: 14px;
    transform: none;
}

/* Champs de formulaire améliorés */
.card-form .form-control,
.form-enhanced .form-control {
    border: 1px solid #d1d5db;
    border-radius: 6px;
    padding: 8px 12px;
    font-size: 13px;
    transition: var(--transition);
    background: var(--bg-light);
}

/* Espacement entre les champs */
.card-form .form-group,
.form-enhanced .form-group {
    margin-bottom: 10px;
}

.card-form .form-control:focus,
.form-enhanced .form-control:focus {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(26, 86, 219, 0.08);
    background: var(--white);
}

.card-form select.form-control,
.form-enhanced select.form-control {
    appearance: auto;
}

.card-form .form-control::placeholder {
    color: #9ca3af;
    font-size: 13px;
}

/* Bouton de soumission amélioré */
.btn-submit-form {
    background: var(--gradient-primary);
    color: var(--white);
    border: none;
    border-radius: 50px;
    padding: 10px 30px;
    font-size: 14px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    transition: var(--transition);
    box-shadow: var(--shadow);
    display: inline-flex;
    align-items: center;
    gap: 8px;
    width: 100%;
    justify-content: center;
}

.btn-submit-form:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn-submit-form i {
    font-size: 18px;
}

/* Texte RGPD */
.form-rgpd-text {
    font-size: 11px;
    color: var(--gray);
    line-height: 1.4;
    margin-top: 10px;
    padding-top: 10px;
    border-top: 1px solid var(--gray-light);
}

.form-rgpd-text i {
    color: var(--primary);
    margin-right: 5px;
}

/* Section formulaire fond contrasté */
.form-section-bg {
    background: linear-gradient(135deg, #f0f5ff 0%, #e8f0fe 100%);
    padding: 40px 0;
}

/* Séparateur dans le formulaire */
.form-divider {
    border: none;
    border-top: 1px solid #e5e7eb;
    margin: 12px 0;
}

/* Section contact améliorée */
.contact-credit-section {
    background: var(--gradient-dark);
    padding: 60px 0;
    margin-top: 40px;
}

.contact-credit-section h2,
.contact-credit-section p {
    color: var(--white);
}

.contact-credit-section .card-form {
    border-left-color: var(--secondary);
}

/* ============ ONGLETS CONTACT ============ */
.contact-tabs {
    display: flex;
    border: none;
    margin-bottom: 0;
}

.contact-tabs .nav-item {
    flex: 1;
}

.contact-tab-btn {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    width: 100%;
    padding: 18px 25px;
    font-size: 16px;
    font-weight: 600;
    border: none;
    cursor: pointer;
    transition: var(--transition);
    background: var(--gray-light);
    color: var(--gray);
    border-radius: var(--radius-lg) var(--radius-lg) 0 0;
    position: relative;
}

.contact-tab-btn:hover {
    background: #d1d5db;
    color: var(--gray-dark);
}

.contact-tab-btn.active {
    background: var(--primary);
    color: var(--white);
    box-shadow: var(--shadow);
    z-index: 2;
}

.contact-tab-btn i {
    font-size: 18px;
}

/* Deuxième onglet actif = vert */
#tab-credit-btn.active {
    background: var(--secondary);
}

@media (max-width: 576px) {
    .contact-tab-btn {
        padding: 14px 10px;
        font-size: 13px;
        gap: 6px;
    }

    .contact-tab-btn i {
        font-size: 15px;
    }
}

/* ============ PAGE DEMANDE DE CREDIT ============ */
.credit-request-hero {
    background: var(--gradient-primary);
    padding: 50px 0 40px;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.credit-request-hero::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -10%;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(255,255,255,0.08) 0%, transparent 70%);
    pointer-events: none;
}

.credit-request-hero::after {
    content: '';
    position: absolute;
    bottom: -30%;
    left: -5%;
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(16,185,129,0.15) 0%, transparent 70%);
    pointer-events: none;
}

.credit-request-hero h1 {
    color: var(--white);
    font-size: 2rem;
    margin-bottom: 10px;
    position: relative;
    z-index: 1;
}

.credit-request-hero > .container {
    position: relative;
    z-index: 1;
}

.credit-request-hero p {
    color: rgba(255, 255, 255, 0.85);
    font-size: 1rem;
    margin-bottom: 20px;
}

.hero-badges {
    display: flex;
    justify-content: center;
    gap: 15px;
    flex-wrap: wrap;
}

.hero-badge {
    background: rgba(255, 255, 255, 0.15);
    color: var(--white);
    padding: 8px 18px;
    border-radius: 50px;
    font-size: 13px;
    font-weight: 500;
    backdrop-filter: blur(5px);
    border: 1px solid rgba(255,255,255,0.2);
}

.hero-badge i {
    margin-right: 5px;
    color: #34d399;
}

.credit-request-form-section {
    background: linear-gradient(180deg, #eef2ff 0%, #f8fafc 100%);
    padding: 40px 0;
}

/* Layout deux colonnes : formulaire + sidebar */
.credit-request-layout {
    display: flex;
    gap: 30px;
    align-items: flex-start;
}

.credit-request-layout .card-form {
    flex: 1;
    max-width: none;
}

/* Sidebar infos */
.credit-sidebar {
    width: 300px;
    flex-shrink: 0;
    position: sticky;
    top: 120px;
}

.credit-sidebar-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: 0 2px 12px rgba(0,0,0,0.08);
    overflow: hidden;
    margin-bottom: 20px;
}

.credit-sidebar-card .sidebar-header {
    background: var(--gradient-primary);
    color: var(--white);
    padding: 15px 20px;
    font-size: 0.95rem;
    font-weight: 600;
    display: flex;
    align-items: center;
    gap: 8px;
}

.credit-sidebar-card .sidebar-body {
    padding: 18px 20px;
}

.sidebar-stat {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 10px 0;
    border-bottom: 1px solid #f1f5f9;
}

.sidebar-stat:last-child {
    border-bottom: none;
}

.sidebar-stat-icon {
    width: 36px;
    height: 36px;
    border-radius: 8px;
    background: #eef2ff;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary);
    font-size: 14px;
    flex-shrink: 0;
}

.sidebar-stat-text {
    font-size: 13px;
    color: var(--gray-dark);
    line-height: 1.3;
}

.sidebar-stat-text strong {
    display: block;
    font-size: 14px;
    color: var(--dark);
}

/* Card étapes */
.credit-step-list {
    list-style: none;
    padding: 0;
    margin: 0;
}

.credit-step-item {
    display: flex;
    gap: 12px;
    padding: 12px 0;
    border-bottom: 1px solid #f1f5f9;
}

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

.credit-step-num {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--gradient-primary);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 12px;
    font-weight: 700;
    flex-shrink: 0;
}

.credit-step-text {
    font-size: 13px;
    color: var(--gray-dark);
    line-height: 1.4;
}

.credit-step-text strong {
    color: var(--dark);
}

/* Sidebar bandeau confiance */
.trust-banner {
    background: linear-gradient(135deg, #ecfdf5 0%, #d1fae5 100%);
    border-radius: var(--radius-lg);
    padding: 18px 20px;
    text-align: center;
}

.trust-banner i {
    color: var(--secondary);
    font-size: 24px;
    margin-bottom: 8px;
}

.trust-banner p {
    font-size: 13px;
    color: var(--gray-dark);
    margin: 0;
    line-height: 1.4;
}

.trust-banner strong {
    color: var(--secondary-dark);
}

@media (max-width: 991px) {
    .credit-request-layout {
        flex-direction: column;
    }

    .credit-sidebar {
        width: 100%;
        position: static;
        display: flex;
        gap: 15px;
        flex-wrap: wrap;
    }

    .credit-sidebar-card {
        flex: 1;
        min-width: 250px;
        margin-bottom: 0;
    }

    .trust-banner {
        width: 100%;
    }
}

@media (max-width: 767px) {
    .credit-request-hero {
        padding: 30px 0 25px;
    }

    .credit-request-hero h1 {
        font-size: 1.4rem;
    }

    .credit-request-hero p {
        font-size: 0.9rem;
    }

    .hero-badge {
        font-size: 11px;
        padding: 6px 12px;
    }

    .credit-request-form-section {
        padding: 25px 0;
    }

    .credit-sidebar {
        flex-direction: column;
    }

    .credit-sidebar-card {
        min-width: auto;
    }
}

/* Variante verte (immobilier, études) */
.card-form--green {
    border-left-color: var(--secondary);
}

/* Responsive formulaires */
@media (max-width: 767px) {
    .card-form .card-form-body {
        padding: 15px 12px;
    }

    .form-cta-banner {
        padding: 14px 12px;
    }

    .form-cta-banner h2 {
        font-size: 1rem;
    }

    .btn-submit-form {
        padding: 9px 18px;
        font-size: 13px;
    }

    .form-section-bg {
        padding: 25px 0;
    }

    .card-form .form-group,
    .form-enhanced .form-group {
        margin-bottom: 8px;
    }

    .form-section-title {
        font-size: 0.8rem;
        margin-bottom: 8px;
    }

    .form-divider {
        margin: 8px 0;
    }
}

@media (max-width: 480px) {
    .card-form .card-form-body {
        padding: 12px 10px;
        order: -1;
        margin-bottom: 10px;
    }
}