/* ============================================================
   style.css — KREDIT MÖGLICH
   Design : Bleu marine #0a1f44 + Or #c9a84c — Professionnel & moderne
   ============================================================ */

/* ---- Variables ---- */
:root {
  --navy:       #0a1f44;
  --navy-med:   #163a6e;
  --gold:       #c9a84c;
  --gold-light: #f0d78a;
  --white:      #ffffff;
  --light:      #f4f7fb;
  --lgray:      #e8edf5;
  --text:       #1e2a3a;
  --muted:      #6b7a8d;
  --green:      #198754;
  --red:        #dc3545;
  --r:          10px;
  --sh:         0 4px 24px rgba(10,31,68,.12);
  --sh-lg:      0 8px 40px rgba(10,31,68,.18);
  --tr:         .3s ease;
}

/* ---- Reset ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Lato', sans-serif; color: var(--text); background: var(--white); line-height: 1.75; overflow-x: hidden; }
img  { max-width: 100%; height: auto; }
a    { color: var(--navy); text-decoration: none; transition: color var(--tr); }
a:hover { color: var(--gold); }
h1,h2,h3,h4,h5 { font-family: 'Playfair Display', serif; font-weight: 700; color: var(--navy); line-height: 1.3; }

/* ---- BARRE TOP ---- */
#topbar {
  background: var(--navy);
  color: rgba(255,255,255,.8);
  font-size: .82rem;
  padding: 8px 0;
  border-bottom: 2px solid var(--gold);
}
#topbar a { color: var(--gold-light); }
#topbar a:hover { color: #fff; }
.top-phrase { font-style: italic; color: var(--gold-light) !important; }

/* ---- NAVBAR ---- */
.navbar {
  background: #fff;
  box-shadow: 0 2px 16px rgba(10,31,68,.10);
  padding: 0 0;
  position: sticky;
  top: 0;
  z-index: 1050;
  transition: box-shadow var(--tr);
}
.navbar.scrolled { box-shadow: 0 4px 28px rgba(10,31,68,.18); }

.navbar-brand { display: flex; align-items: center; gap: 10px; padding: 10px 0; }
.brand-main   { font-family: 'Playfair Display', serif; font-size: 1.2rem; font-weight: 700; color: var(--navy); letter-spacing: .02em; }
.brand-main span { color: var(--gold); }
.brand-sub    { font-size: .68rem; color: var(--muted); text-transform: uppercase; letter-spacing: .08em; }

.navbar-nav .nav-link {
  font-size: .87rem; font-weight: 600;
  color: var(--text) !important;
  padding: 8px 11px !important;
  border-radius: 7px;
  transition: background var(--tr), color var(--tr);
}
.navbar-nav .nav-link:hover,
.navbar-nav .nav-link.active { background: var(--light); color: var(--navy) !important; }

.nav-cta {
  background: var(--gold) !important;
  color: var(--navy) !important;
  font-weight: 700 !important;
  border-radius: 50px !important;
  padding: 8px 20px !important;
  transition: background var(--tr), transform var(--tr) !important;
}
.nav-cta:hover { background: var(--gold-light) !important; transform: translateY(-1px); }

/* Sélecteur langue */
.lang-wrap { position: relative; }
.lang-wrap select {
  border: 2px solid var(--lgray); border-radius: 8px;
  padding: 4px 24px 4px 8px; font-size: .82rem;
  color: var(--text); background: #fff;
  cursor: pointer; outline: none; appearance: none;
}
.lang-wrap::after {
  content: '▾'; position: absolute; right: 8px; top: 50%;
  transform: translateY(-50%); pointer-events: none;
  color: var(--muted); font-size: .72rem;
}

/* ---- HERO ---- */
#hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-med) 60%, #1e5799 100%);
  min-height: 92vh;
  display: flex; align-items: center;
  position: relative; overflow: hidden;
}
#hero::before {
  content: '';
  position: absolute; top: -30%; right: -5%;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(201,168,76,.16) 0%, transparent 65%);
  border-radius: 50%;
}
.hero-badge {
  display: inline-block;
  background: rgba(201,168,76,.18); color: var(--gold-light);
  border: 1px solid rgba(201,168,76,.35); border-radius: 50px;
  padding: 5px 16px; font-size: .8rem; font-weight: 600;
  letter-spacing: .06em; text-transform: uppercase; margin-bottom: 18px;
}
.hero-title {
  font-size: clamp(2.4rem, 6vw, 4.2rem);
  color: #fff; font-weight: 900; line-height: 1.1; margin-bottom: 22px;
}
.hero-title span { color: var(--gold); }
.hero-sub { font-size: 1.1rem; color: rgba(255,255,255,.78); max-width: 540px; margin-bottom: 34px; }

.hero-stats { display: flex; gap: 32px; margin-top: 40px; }
.stat-num   { font-family: 'Playfair Display', serif; font-size: 1.9rem; font-weight: 700; color: var(--gold); display: block; }
.stat-lbl   { font-size: .75rem; color: rgba(255,255,255,.65); text-transform: uppercase; letter-spacing: .05em; }

/* ---- SIMULATEUR (dans hero) ---- */
.sim-box {
  background: rgba(255,255,255,.06);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,.14);
  border-radius: 18px; padding: 30px;
}
.sim-box h4 { color: var(--gold); font-size: 1.15rem; margin-bottom: 4px; }
.sim-box p  { color: rgba(255,255,255,.6); font-size: .83rem; margin-bottom: 22px; }

.sim-label {
  display: flex; justify-content: space-between; align-items: center;
  color: rgba(255,255,255,.78); font-size: .83rem; font-weight: 600; margin-bottom: 5px;
}
.sim-val { color: var(--gold); font-weight: 700; }
input[type=range] { width: 100%; accent-color: var(--gold); height: 5px; border-radius: 3px; margin-bottom: 4px; cursor: pointer; }
.sim-minmax { display: flex; justify-content: space-between; font-size: .7rem; color: rgba(255,255,255,.35); margin-bottom: 14px; }

.sim-result {
  background: rgba(201,168,76,.14); border: 1px solid rgba(201,168,76,.28);
  border-radius: 12px; padding: 18px 20px; text-align: center; margin-top: 4px;
}
.sim-result .lbl { font-size: .75rem; color: rgba(255,255,255,.55); text-transform: uppercase; letter-spacing: .06em; margin-bottom: 5px; }
.sim-monthly-val {
  font-family: 'Playfair Display', serif; font-size: 2.4rem; font-weight: 700;
  color: var(--gold); line-height: 1; transition: all .18s ease;
}
.sim-details { display: flex; justify-content: center; gap: 24px; margin-top: 12px; }
.sim-det .lbl2 { font-size: .7rem; color: rgba(255,255,255,.5); }
.sim-det .val2 { font-size: .88rem; font-weight: 600; color: var(--gold-light); }

/* ---- SECTIONS COMMUNES ---- */
.sec-badge {
  display: inline-block;
  background: rgba(201,168,76,.1); color: var(--gold);
  border: 1px solid rgba(201,168,76,.28); border-radius: 50px;
  padding: 4px 14px; font-size: .76rem; font-weight: 700;
  letter-spacing: .07em; text-transform: uppercase; margin-bottom: 12px;
}
.sec-title { font-size: clamp(1.7rem, 4vw, 2.6rem); color: var(--navy); margin-bottom: 10px; }
.sec-title span { color: var(--gold); }
.sec-line { width: 56px; height: 4px; background: var(--gold); border-radius: 2px; margin: 0 auto 18px; }
.sec-line.left { margin: 0 0 18px; }

/* ---- SERVICES ---- */
.srv-card {
  background: #fff; border-radius: var(--r);
  padding: 30px 24px; box-shadow: var(--sh);
  transition: transform var(--tr), box-shadow var(--tr);
  height: 100%; position: relative; overflow: hidden;
}
.srv-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--navy), var(--gold));
  transform: scaleX(0); transition: transform var(--tr); transform-origin: left;
}
.srv-card:hover { transform: translateY(-6px); box-shadow: var(--sh-lg); }
.srv-card:hover::before { transform: scaleX(1); }
.srv-icon {
  width: 62px; height: 62px;
  background: var(--light); border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.8rem; margin-bottom: 18px; transition: background var(--tr);
}
.srv-card:hover .srv-icon { background: linear-gradient(135deg, var(--navy), var(--navy-med)); }
.srv-card:hover .srv-icon i { color: var(--gold) !important; }
.srv-card h5  { font-size: 1.05rem; margin-bottom: 8px; }
.srv-card p   { font-size: .87rem; color: var(--muted); margin-bottom: 18px; }
.srv-link     { font-size: .83rem; font-weight: 700; color: var(--navy); display: flex; align-items: center; gap: 5px; }
.srv-link:hover { color: var(--gold); gap: 9px; }

/* ---- AVANTAGES ---- */
.adv-card {
  display: flex; align-items: flex-start; gap: 18px;
  padding: 24px; background: #fff; border-radius: var(--r);
  box-shadow: var(--sh); height: 100%;
  transition: transform var(--tr);
}
.adv-card:hover { transform: translateY(-4px); }
.adv-icon {
  width: 52px; height: 52px; flex-shrink: 0;
  background: linear-gradient(135deg, var(--navy), var(--navy-med));
  border-radius: 13px; display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; color: var(--gold);
}
.adv-text h5 { font-size: .97rem; margin-bottom: 4px; }
.adv-text p  { font-size: .86rem; color: var(--muted); margin: 0; }

/* ---- TÉMOIGNAGES ---- */
.testi-card {
  background: #fff; border-radius: var(--r);
  padding: 28px 24px; box-shadow: var(--sh); height: 100%; position: relative;
}
.testi-card::before {
  content: '"'; font-family: 'Playfair Display', serif;
  font-size: 5.5rem; color: var(--gold); opacity: .2;
  position: absolute; top: -8px; left: 18px; line-height: 1;
}
.testi-stars { color: #ffc107; margin-bottom: 10px; }
.testi-text  { font-style: italic; font-size: .92rem; margin-bottom: 18px; }
.testi-auth  { display: flex; align-items: center; gap: 11px; }
.testi-av    {
  width: 44px; height: 44px; border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--gold));
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-weight: 700; font-size: 1rem;
}
.testi-name  { font-weight: 700; font-size: .87rem; }
.testi-city  { font-size: .76rem; color: var(--muted); }

/* ---- CTA BAND ---- */
#cta-band {
  background: linear-gradient(135deg, var(--navy), var(--navy-med) 55%, #1a4f99);
  padding: 72px 0; position: relative; overflow: hidden;
}
#cta-band::before {
  content: ''; position: absolute; top: -40%; right: -5%;
  width: 450px; height: 450px;
  background: radial-gradient(circle, rgba(201,168,76,.12) 0%, transparent 70%);
  border-radius: 50%;
}

/* ---- PAGE INNER HERO ---- */
.page-hero {
  background: linear-gradient(135deg, var(--navy), var(--navy-med));
  padding: 68px 0 56px; position: relative; overflow: hidden;
}
.page-hero::after {
  content: ''; position: absolute; bottom: -1px; left: 0; right: 0; height: 48px;
  background: #fff; clip-path: ellipse(55% 100% at 50% 100%);
}
.page-hero h1 { color: #fff; }
.breadcrumb-item       { color: rgba(255,255,255,.6); font-size: .83rem; }
.breadcrumb-item.active{ color: var(--gold-light); }
.breadcrumb-item + .breadcrumb-item::before { color: rgba(255,255,255,.4); }

/* ---- FORMULAIRES ---- */
.form-wrap { background: #fff; border-radius: 18px; box-shadow: var(--sh-lg); overflow: hidden; }

.form-sidebar {
  background: linear-gradient(160deg, var(--navy), var(--navy-med));
  padding: 44px 32px; height: 100%; color: #fff;
}
.form-sidebar h3 { color: #fff; margin-bottom: 14px; }
.form-sidebar p  { color: rgba(255,255,255,.75); font-size: .88rem; margin-bottom: 28px; }

.sidebar-benefits { list-style: none; padding: 0; }
.sidebar-benefits li {
  display: flex; align-items: center; gap: 11px;
  padding: 9px 0; border-bottom: 1px solid rgba(255,255,255,.1);
  font-size: .87rem; color: rgba(255,255,255,.88);
}
.sidebar-benefits li:last-child { border-bottom: none; }
.sb-check {
  width: 26px; height: 26px; flex-shrink: 0;
  background: rgba(201,168,76,.22); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--gold); font-size: .82rem;
}

.form-main { padding: 44px 38px; }

.fsec-title {
  font-size: .9rem; font-weight: 700; color: var(--navy);
  text-transform: uppercase; letter-spacing: .06em;
  margin-bottom: 18px; padding-bottom: 9px;
  border-bottom: 2px solid var(--lgray);
  display: flex; align-items: center; gap: 8px;
}
.fsec-title i { color: var(--gold); }

.form-label { font-size: .86rem; font-weight: 600; color: var(--text); margin-bottom: 5px; }
.form-control, .form-select {
  border: 2px solid var(--lgray); border-radius: 8px;
  padding: 10px 14px; font-size: .88rem;
  transition: border-color var(--tr), box-shadow var(--tr);
  font-family: 'Lato', sans-serif;
}
.form-control:focus, .form-select:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(10,31,68,.07);
  outline: none;
}
.form-control.is-invalid, .form-select.is-invalid { border-color: var(--red); }
.form-control.is-valid,   .form-select.is-valid   { border-color: var(--green); }

.btn-submit {
  background: linear-gradient(135deg, var(--navy), var(--navy-med));
  color: #fff; border: none; border-radius: 50px;
  padding: 14px 36px; font-size: .98rem; font-weight: 700;
  cursor: pointer; width: 100%;
  transition: transform var(--tr), box-shadow var(--tr);
  font-family: 'Lato', sans-serif;
}
.btn-submit:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(10,31,68,.28); }

/* Messages formulaire */
.msg-ok  { background: #d1fae5; border: 1px solid #6ee7b7; color: #065f46; border-radius: var(--r); padding: 14px 18px; display: flex; align-items: center; gap: 11px; margin-bottom: 22px; }
.msg-err { background: #fee2e2; border: 1px solid #fca5a5; color: #991b1b; border-radius: var(--r); padding: 14px 18px; display: flex; align-items: center; gap: 11px; margin-bottom: 22px; }

/* ---- CONTACT ---- */
.ct-card  { background: #fff; border-radius: var(--r); box-shadow: var(--sh); padding: 28px; }
.ct-item  { display: flex; align-items: flex-start; gap: 14px; padding: 14px 0; border-bottom: 1px solid var(--lgray); }
.ct-item:last-child { border-bottom: none; }
.ct-icon  { width: 42px; height: 42px; background: linear-gradient(135deg, var(--navy), var(--navy-med)); border-radius: 10px; display: flex; align-items: center; justify-content: center; color: var(--gold); font-size: 1.05rem; flex-shrink: 0; }
.ct-lbl   { font-size: .75rem; color: var(--muted); text-transform: uppercase; letter-spacing: .05em; }
.ct-val   { font-weight: 600; font-size: .92rem; }

/* ---- BUTTONS ---- */
.btn-navy {
  background: linear-gradient(135deg, var(--navy), var(--navy-med));
  color: #fff; border: none; border-radius: 50px; padding: 11px 28px;
  font-weight: 700; font-size: .93rem; cursor: pointer;
  display: inline-flex; align-items: center; gap: 7px;
  transition: transform var(--tr), box-shadow var(--tr);
}
.btn-navy:hover  { transform: translateY(-2px); box-shadow: 0 8px 22px rgba(10,31,68,.28); color: #fff; }

.btn-gold {
  background: var(--gold); color: var(--navy);
  border: none; border-radius: 50px; padding: 11px 28px;
  font-weight: 700; font-size: .93rem; cursor: pointer;
  display: inline-flex; align-items: center; gap: 7px;
  transition: background var(--tr), transform var(--tr);
}
.btn-gold:hover  { background: var(--gold-light); color: var(--navy); transform: translateY(-2px); }

.btn-outline-w {
  background: transparent; color: #fff;
  border: 2px solid rgba(255,255,255,.38); border-radius: 50px; padding: 11px 28px;
  font-weight: 600; font-size: .93rem;
  display: inline-flex; align-items: center; gap: 7px;
  transition: all var(--tr);
}
.btn-outline-w:hover { border-color: var(--gold); color: var(--gold); background: rgba(201,168,76,.08); }

/* ---- FOOTER ---- */
footer { background: var(--navy); color: rgba(255,255,255,.78); padding-top: 60px; }
footer h5 {
  color: #fff; font-size: .95rem; text-transform: uppercase;
  letter-spacing: .06em; margin-bottom: 18px;
  padding-bottom: 9px; border-bottom: 2px solid rgba(201,168,76,.28);
}
footer ul { list-style: none; padding: 0; }
footer ul li { margin-bottom: 9px; }
footer ul li a { color: rgba(255,255,255,.68); font-size: .88rem; transition: color var(--tr), padding-left var(--tr); }
footer ul li a:hover { color: var(--gold-light); padding-left: 5px; }
.ft-contact { display: flex; align-items: flex-start; gap: 11px; margin-bottom: 11px; font-size: .86rem; color: rgba(255,255,255,.72); }
.ft-contact i { color: var(--gold); margin-top: 3px; flex-shrink: 0; }
.ft-bottom { background: rgba(0,0,0,.22); padding: 15px 0; margin-top: 48px; font-size: .8rem; color: rgba(255,255,255,.5); }
.ft-bottom a { color: rgba(255,255,255,.62); }
.ft-bottom a:hover { color: var(--gold-light); }
.ft-brand { font-family: 'Playfair Display', serif; font-size: 1.4rem; font-weight: 700; color: #fff; }
.ft-brand span { color: var(--gold); }

/* ---- SCROLL TOP ---- */
#scrollTop {
  position: fixed; bottom: 26px; right: 26px;
  width: 42px; height: 42px;
  background: var(--navy); color: var(--gold);
  border: none; border-radius: 50%; font-size: 1.05rem;
  cursor: pointer; opacity: 0; transform: translateY(18px);
  transition: all var(--tr); z-index: 999; box-shadow: var(--sh);
}
#scrollTop.show { opacity: 1; transform: translateY(0); }
#scrollTop:hover { background: var(--gold); color: var(--navy); }

/* ---- COOKIES ---- */
#cookie-bar {
  position: fixed; bottom: 0; left: 0; right: 0;
  background: var(--navy); color: rgba(255,255,255,.88);
  padding: 14px 20px; z-index: 2000;
  border-top: 3px solid var(--gold);
  display: none; box-shadow: 0 -4px 20px rgba(10,31,68,.2);
}
#cookie-bar p { font-size: .86rem; margin: 0; }
#cookie-bar a { color: var(--gold-light); }

/* ---- ANIMATIONS ---- */
@keyframes fadeUp { from { opacity:0; transform:translateY(28px); } to { opacity:1; transform:translateY(0); } }
.fade-up { opacity: 0; animation: fadeUp .6s ease forwards; }
.d1 { animation-delay: .1s; } .d2 { animation-delay: .2s; }
.d3 { animation-delay: .3s; } .d4 { animation-delay: .4s; }

/* ---- RESPONSIVE ---- */
@media (max-width: 991px) {
  .navbar-collapse { background: #fff; padding: 12px; border-top: 1px solid var(--lgray); }
  .hero-stats { gap: 18px; }
  .form-main { padding: 28px 20px; }
  .form-sidebar { padding: 28px 22px; }
}
@media (max-width: 767px) {
  #hero { min-height: 70vh; padding: 56px 0; }
  .hero-title { font-size: 2rem; }
  .hero-stats { flex-wrap: wrap; justify-content: center; }
  .adv-card { flex-direction: column; }
  .sim-details { flex-wrap: wrap; gap: 14px; }
}
@media (max-width: 575px) {
  .sim-monthly-val { font-size: 2rem; }
  #topbar .d-flex { flex-direction: column; gap: 3px; }
}