/* ===================================
   Krediti28 - Professional Loan Website
   Color Scheme: Amber/Gold
   =================================== */

/* ===================================
   CSS Variables & Color Palette
   =================================== */
:root {
    /* Primary Colors - Amber/Gold Theme */
    --primary-color: #D4A14A;
    --primary-dark: #B8842E;
    --primary-light: #E6C679;
    --primary-lighter: #F5E5C8;
    
    /* Secondary Colors */
    --secondary-color: #2C3E50;
    --secondary-dark: #1A252F;
    --secondary-light: #3E5266;
    
    /* Accent Colors */
    --accent-gold: #FFD700;
    --accent-bronze: #CD7F32;
    
    /* Neutral Colors */
    --white: #FFFFFF;
    --off-white: #F9F9F9;
    --light-gray: #F5F5F5;
    --gray: #E0E0E0;
    --dark-gray: #6B7280;
    --text-primary: #1F2937;
    --text-secondary: #4B5563;
    
    /* Semantic Colors */
    --success: #10B981;
    --warning: #F59E0B;
    --error: #EF4444;
    --info: #3B82F6;
    
    /* Shadows */
    --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
    --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1);
    --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1);
    --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1);
    --shadow-gold: 0 10px 30px rgba(212, 161, 74, 0.3);
    
    /* Transitions */
    --transition-fast: 0.2s ease;
    --transition-normal: 0.3s ease;
    --transition-slow: 0.5s ease;
    
    /* Spacing */
    --spacing-xs: 0.5rem;
    --spacing-sm: 1rem;
    --spacing-md: 1.5rem;
    --spacing-lg: 2rem;
    --spacing-xl: 3rem;
    --spacing-xxl: 4rem;
    
    /* Border Radius */
    --radius-sm: 0.375rem;
    --radius-md: 0.5rem;
    --radius-lg: 0.75rem;
    --radius-xl: 1rem;
    --radius-full: 9999px;
    
    /* Typography */
    --font-primary: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --font-display: 'Playfair Display', serif;
}

/* ===================================
   Splash Screen / Écran de Chargement
   =================================== */
.splash-screen {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100vh;
    background: linear-gradient(135deg, var(--secondary-dark) 0%, var(--secondary-color) 50%, var(--secondary-light) 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 10000;
    animation: fadeOut 0.5s ease 3s forwards;
}

.splash-screen.hidden {
    display: none;
}

.splash-content {
    text-align: center;
    animation: fadeInUp 0.6s ease;
}

.splash-logo {
    margin-bottom: var(--spacing-lg);
    animation: bounce 1s ease infinite;
}

.logo-circle {
    width: 120px;
    height: 120px;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--accent-gold) 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto;
    box-shadow: 0 20px 60px rgba(212, 161, 74, 0.5);
    animation: rotate360 1s linear infinite;
}

.logo-circle i {
    font-size: 4rem;
    color: var(--white);
}

.splash-title {
    font-family: var(--font-display);
    font-size: 3.5rem;
    font-weight: 800;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--accent-gold) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    margin-bottom: var(--spacing-sm);
    letter-spacing: -1px;
}

.splash-tagline {
    font-size: 1.25rem;
    color: var(--primary-light);
    font-weight: 600;
    margin-bottom: var(--spacing-xl);
    animation: pulse 2s ease infinite;
}

.splash-loader {
    width: 200px;
    height: 4px;
    background: rgba(255, 255, 255, 0.2);
    border-radius: var(--radius-full);
    overflow: hidden;
    margin: 0 auto;
}

.loader-bar {
    width: 0%;
    height: 100%;
    background: linear-gradient(90deg, var(--primary-color) 0%, var(--accent-gold) 100%);
    border-radius: var(--radius-full);
    animation: loadProgress 3s ease forwards;
}

/* Animations pour Splash Screen */
@keyframes rotate360 {
    0% { transform: rotate(0deg); }
    100% { transform: rotate(360deg); }
}

@keyframes loadProgress {
    0% { width: 0%; }
    100% { width: 100%; }
}

@keyframes bounce {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-10px); }
}

@keyframes pulse {
    0%, 100% { opacity: 1; }
    50% { opacity: 0.7; }
}

@keyframes fadeOut {
    0% { opacity: 1; visibility: visible; }
    99% { opacity: 0; visibility: visible; }
    100% { opacity: 0; visibility: hidden; }
}

/* ===================================
   Reset & Base Styles
   =================================== */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
    -webkit-overflow-scrolling: touch;
}

body {
    font-family: var(--font-primary);
    color: var(--text-primary);
    line-height: 1.6;
    background-color: var(--white);
    overflow-x: hidden;
}

/* ===================================
   Typography
   =================================== */
h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-display);
    font-weight: 700;
    line-height: 1.2;
    color: var(--secondary-color);
    margin-bottom: var(--spacing-md);
}

h1 { font-size: 3.5rem; }
h2 { font-size: 2.5rem; }
h3 { font-size: 1.875rem; }
h4 { font-size: 1.5rem; }
h5 { font-size: 1.25rem; }
h6 { font-size: 1rem; }

p {
    margin-bottom: var(--spacing-sm);
    color: var(--text-secondary);
}

a {
    text-decoration: none;
    color: inherit;
    transition: var(--transition-fast);
}

/* ===================================
   Container & Layout
   =================================== */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 var(--spacing-md);
}

section {
    padding: var(--spacing-xxl) 0;
}

/* ===================================
   Navigation
   =================================== */
.navbar {
    background: linear-gradient(135deg, var(--secondary-color) 0%, var(--secondary-dark) 100%);
    box-shadow: var(--shadow-lg);
    position: sticky;
    top: 0;
    z-index: 1000;
    transition: var(--transition-normal);
}

.navbar.scrolled {
    box-shadow: var(--shadow-xl);
}

.nav-wrapper {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: var(--spacing-sm) 0;
}

.logo {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
}

.logo-icon {
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--accent-gold) 100%);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: var(--shadow-gold);
}

.logo-icon i {
    font-size: 1.5rem;
    color: var(--white);
}

.logo-text {
    display: flex;
    flex-direction: column;
}

.logo-name {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--white);
    letter-spacing: -0.5px;
}

.logo-tagline {
    font-size: 0.75rem;
    color: var(--primary-light);
    font-weight: 500;
}

.mobile-menu-toggle {
    display: none;
    background: none;
    border: none;
    color: var(--white);
    font-size: 1.5rem;
    cursor: pointer;
    padding: var(--spacing-xs);
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: var(--spacing-md);
    list-style: none;
}

.nav-link {
    color: var(--white);
    font-weight: 500;
    padding: var(--spacing-xs) var(--spacing-sm);
    border-radius: var(--radius-md);
    transition: var(--transition-fast);
    position: relative;
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 50%;
    transform: translateX(-50%);
    width: 0;
    height: 2px;
    background: var(--primary-color);
    transition: var(--transition-normal);
}

.nav-link:hover::after,
.nav-link.active::after {
    width: 80%;
}

.nav-link:hover {
    color: var(--primary-light);
}

/* ===================================
   Buttons
   =================================== */
.btn {
    display: inline-flex;
    align-items: center;
    gap: var(--spacing-xs);
    padding: 0.75rem 1.5rem;
    border-radius: var(--radius-lg);
    font-weight: 600;
    font-size: 1rem;
    border: none;
    cursor: pointer;
    transition: all var(--transition-normal);
    text-align: center;
    justify-content: center;
    text-decoration: none;
}

.btn-primary {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-dark) 100%);
    color: var(--white);
    box-shadow: var(--shadow-gold);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 15px 35px rgba(212, 161, 74, 0.4);
}

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

.btn-secondary:hover {
    background: var(--primary-color);
    color: var(--white);
    transform: translateY(-2px);
}

.btn-large {
    padding: 1rem 2rem;
    font-size: 1.125rem;
}

.btn-block {
    width: 100%;
}

/* ===================================
   Hero Section
   =================================== */
.hero {
    background: linear-gradient(135deg, var(--secondary-dark) 0%, var(--secondary-color) 50%, var(--secondary-light) 100%);
    color: var(--white);
    padding: var(--spacing-xxl) 0 5rem 0;
    position: relative;
    overflow: hidden;
}

.hero-background {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: 
        radial-gradient(circle at 20% 50%, rgba(212, 161, 74, 0.1) 0%, transparent 50%),
        radial-gradient(circle at 80% 80%, rgba(255, 215, 0, 0.1) 0%, transparent 50%);
    z-index: 0;
}

.hero-content {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-xxl);
    align-items: center;
}

.hero-text {
    animation: fadeInUp 0.8s ease;
}

.hero-title {
    font-size: 3.5rem;
    margin-bottom: var(--spacing-md);
    color: var(--white);
    line-height: 1.1;
}

.title-highlight {
    display: block;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--accent-gold) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-subtitle {
    font-size: 1.25rem;
    color: rgba(255, 255, 255, 0.9);
    margin-bottom: var(--spacing-lg);
    line-height: 1.6;
}

.hero-features {
    display: flex;
    flex-wrap: wrap;
    gap: var(--spacing-md);
    margin-bottom: var(--spacing-xl);
}

.feature-item {
    display: flex;
    align-items: center;
    gap: var(--spacing-xs);
    color: var(--primary-light);
    font-weight: 500;
}

.feature-item i {
    font-size: 1.25rem;
    color: var(--accent-gold);
}

.hero-cta {
    display: flex;
    gap: var(--spacing-md);
    flex-wrap: wrap;
}

.hero-image {
    animation: fadeInRight 0.8s ease;
}

.hero-card {
    background: rgba(255, 255, 255, 0.1);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: var(--radius-xl);
    padding: var(--spacing-xl);
    box-shadow: var(--shadow-xl);
}

.card-header {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
    margin-bottom: var(--spacing-lg);
    color: var(--primary-light);
    font-weight: 600;
}

.card-header i {
    font-size: 1.5rem;
}

.card-body {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-lg);
}

.stat {
    display: flex;
    flex-direction: column;
}

.stat-value {
    font-size: 3rem;
    font-weight: 800;
    font-family: var(--font-display);
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--accent-gold) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.stat-label {
    font-size: 0.875rem;
    color: rgba(255, 255, 255, 0.8);
}

/* ===================================
   Trust Section
   =================================== */
.trust-section {
    background: var(--off-white);
    padding: var(--spacing-xl) 0;
}

.trust-indicators {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--spacing-lg);
}

.trust-item {
    display: flex;
    align-items: center;
    gap: var(--spacing-md);
    padding: var(--spacing-md);
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    transition: var(--transition-normal);
}

.trust-item:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-3px);
}

.trust-icon {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-light) 100%);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.trust-icon i {
    font-size: 1.75rem;
    color: var(--white);
}

.trust-content h3 {
    font-size: 1.75rem;
    color: var(--primary-color);
    margin-bottom: 0.25rem;
}

.trust-content p {
    font-size: 0.875rem;
    color: var(--text-secondary);
    margin: 0;
}

/* ===================================
   Section Headers
   =================================== */
.section-header {
    text-align: center;
    margin-bottom: var(--spacing-xxl);
}

.section-title {
    font-size: 2.5rem;
    color: var(--secondary-color);
    margin-bottom: var(--spacing-sm);
    position: relative;
    display: inline-block;
}

.section-title::after {
    content: '';
    position: absolute;
    bottom: -10px;
    left: 50%;
    transform: translateX(-50%);
    width: 80px;
    height: 4px;
    background: linear-gradient(90deg, var(--primary-color) 0%, var(--accent-gold) 100%);
    border-radius: var(--radius-full);
}

.section-subtitle {
    font-size: 1.125rem;
    color: var(--text-secondary);
    max-width: 600px;
    margin: var(--spacing-md) auto 0;
}

/* ===================================
   Loan Types Section
   =================================== */
.loan-types {
    background: var(--light-gray);
}

.loan-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--spacing-lg);
}

.loan-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: var(--spacing-xl);
    box-shadow: var(--shadow-md);
    transition: all var(--transition-normal);
    position: relative;
    border: 2px solid transparent;
}

.loan-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-xl);
    border-color: var(--primary-color);
}

.loan-card.featured {
    border-color: var(--primary-color);
    background: linear-gradient(135deg, rgba(212, 161, 74, 0.05) 0%, rgba(255, 255, 255, 1) 100%);
}

.loan-badge {
    position: absolute;
    top: -15px;
    right: 20px;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--accent-gold) 100%);
    color: var(--white);
    padding: 0.5rem 1rem;
    border-radius: var(--radius-full);
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    box-shadow: var(--shadow-gold);
}

.loan-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-light) 100%);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: var(--spacing-md);
}

.loan-icon i {
    font-size: 2.5rem;
    color: var(--white);
}

.loan-title {
    font-size: 1.5rem;
    color: var(--secondary-color);
    margin-bottom: var(--spacing-sm);
}

.loan-description {
    color: var(--text-secondary);
    margin-bottom: var(--spacing-md);
    min-height: 60px;
}

.loan-rate {
    text-align: center;
    padding: var(--spacing-md);
    background: var(--light-gray);
    border-radius: var(--radius-lg);
    margin-bottom: var(--spacing-md);
}

.rate-value {
    display: block;
    font-size: 2.5rem;
    font-weight: 800;
    font-family: var(--font-display);
    color: var(--primary-color);
    margin-bottom: 0.25rem;
}

.rate-label {
    display: block;
    font-size: 0.875rem;
    color: var(--text-secondary);
}

.loan-features {
    list-style: none;
    margin-bottom: var(--spacing-lg);
}

.loan-features li {
    display: flex;
    align-items: center;
    gap: var(--spacing-xs);
    padding: var(--spacing-xs) 0;
    color: var(--text-secondary);
    font-size: 0.9rem;
}

.loan-features i {
    color: var(--success);
    font-size: 1rem;
}

/* ===================================
   Calculator Section
   =================================== */
.calculator-section {
    background: var(--white);
}

.calculator-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-xl);
    max-width: 1000px;
    margin: 0 auto;
}

.calculator-card,
.calculator-results {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: var(--spacing-xl);
    box-shadow: var(--shadow-lg);
}

.calculator-results {
    background: linear-gradient(135deg, rgba(212, 161, 74, 0.05) 0%, rgba(255, 255, 255, 1) 100%);
}

.calculator-results h3 {
    margin-bottom: var(--spacing-lg);
    color: var(--secondary-color);
}

.form-group {
    margin-bottom: var(--spacing-sm);
}

.form-group label {
    display: block;
    font-weight: 600;
    color: var(--secondary-color);
    margin-bottom: var(--spacing-xs);
}

.form-control {
    width: 100%;
    padding: 0.625rem 0.875rem;
    border: 2px solid var(--gray);
    border-radius: var(--radius-md);
    font-size: 0.95rem;
    transition: var(--transition-fast);
    font-family: var(--font-primary);
}

.form-control:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(212, 161, 74, 0.1);
}

.form-range {
    width: 100%;
    margin-top: var(--spacing-sm);
    height: 6px;
    background: var(--gray);
    border-radius: var(--radius-full);
    outline: none;
    -webkit-appearance: none;
}

.form-range::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 20px;
    height: 20px;
    background: var(--primary-color);
    border-radius: 50%;
    cursor: pointer;
    box-shadow: var(--shadow-md);
}

.form-range::-moz-range-thumb {
    width: 20px;
    height: 20px;
    background: var(--primary-color);
    border-radius: 50%;
    cursor: pointer;
    border: none;
    box-shadow: var(--shadow-md);
}

.range-labels {
    display: flex;
    justify-content: space-between;
    font-size: 0.75rem;
    color: var(--text-secondary);
    margin-top: 0.25rem;
}

.result-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--spacing-md);
    background: var(--white);
    border-radius: var(--radius-md);
    margin-bottom: var(--spacing-sm);
}

.result-item.highlight {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-dark) 100%);
    color: var(--white);
    padding: var(--spacing-lg);
    margin-bottom: var(--spacing-md);
}

.result-item.highlight .result-label,
.result-item.highlight .result-value {
    color: var(--white);
}

.result-item.total {
    background: var(--secondary-color);
    color: var(--white);
    font-weight: 700;
}

.result-item.total .result-label,
.result-item.total .result-value {
    color: var(--white);
}

.result-label {
    font-weight: 500;
    color: var(--text-secondary);
}

.result-value {
    font-weight: 700;
    font-size: 1.25rem;
    color: var(--primary-color);
}

.result-note {
    background: rgba(59, 130, 246, 0.1);
    border-left: 4px solid var(--info);
    padding: var(--spacing-md);
    border-radius: var(--radius-md);
    margin-top: var(--spacing-md);
    display: flex;
    gap: var(--spacing-sm);
}

.result-note i {
    color: var(--info);
    flex-shrink: 0;
    margin-top: 2px;
}

.result-note p {
    margin: 0;
    font-size: 0.875rem;
    color: var(--text-secondary);
}

/* ===================================
   Benefits Section
   =================================== */
.benefits-section {
    background: var(--white);
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--spacing-lg);
}

.benefit-card {
    background: var(--light-gray);
    padding: var(--spacing-xl);
    border-radius: var(--radius-xl);
    text-align: center;
    transition: var(--transition-normal);
}

.benefit-card:hover {
    background: var(--white);
    box-shadow: var(--shadow-lg);
    transform: translateY(-5px);
}

.benefit-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--accent-gold) 100%);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto var(--spacing-md);
}

.benefit-icon i {
    font-size: 2rem;
    color: var(--white);
}

.benefit-card h3 {
    margin-bottom: var(--spacing-sm);
    color: var(--secondary-color);
}

.benefit-card p {
    font-size: 0.95rem;
    color: var(--text-secondary);
}

/* ===================================
   Conditions Section
   =================================== */
.conditions-section {
    background: var(--light-gray);
}

.conditions-wrapper {
    max-width: 900px;
    margin: 0 auto;
}

.conditions-content {
    display: grid;
    gap: var(--spacing-lg);
}

.condition-block {
    background: var(--white);
    padding: var(--spacing-xl);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-md);
}

.condition-block h3 {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
    margin-bottom: var(--spacing-md);
    color: var(--secondary-color);
}

.condition-block h3 i {
    color: var(--primary-color);
}

.condition-block ul {
    list-style: none;
    padding-left: 0;
}

.condition-block li {
    padding: var(--spacing-xs) 0;
    padding-left: var(--spacing-lg);
    position: relative;
    color: var(--text-secondary);
}

.condition-block li::before {
    content: '•';
    position: absolute;
    left: 0;
    color: var(--primary-color);
    font-weight: bold;
    font-size: 1.5rem;
}

.highlight-block {
    border: 2px solid var(--primary-color);
    background: linear-gradient(135deg, rgba(212, 161, 74, 0.05) 0%, rgba(255, 255, 255, 1) 100%);
}

.important-note {
    background: rgba(212, 161, 74, 0.1);
    border: 1px solid var(--primary-color);
    padding: var(--spacing-md);
    border-radius: var(--radius-md);
    margin-bottom: var(--spacing-md);
}

.important-note strong {
    color: var(--primary-dark);
}

/* ===================================
   Process Section
   =================================== */
.process-section {
    background: var(--white);
}

.process-steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--spacing-lg);
    max-width: 1000px;
    margin: 0 auto;
}

.process-step {
    text-align: center;
    position: relative;
}

.process-step:not(:last-child)::after {
    content: '→';
    position: absolute;
    top: 40px;
    right: -30px;
    font-size: 2rem;
    color: var(--primary-color);
    font-weight: bold;
}

.step-number {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--accent-gold) 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto var(--spacing-md);
    font-size: 2rem;
    font-weight: 800;
    color: var(--white);
    box-shadow: var(--shadow-gold);
}

.step-content h3 {
    margin-bottom: var(--spacing-sm);
    color: var(--secondary-color);
    font-size: 1.25rem;
}

.step-content p {
    font-size: 0.9rem;
    color: var(--text-secondary);
}

/* ===================================
   Application Form Section
   =================================== */
.application-section {
    background: var(--light-gray);
}

.application-wrapper {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: var(--spacing-xl);
    max-width: 1100px;
    margin: 0 auto;
}

.application-form {
    background: var(--white);
    padding: var(--spacing-xl);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
}

.form-section {
    margin-bottom: var(--spacing-xl);
    padding-bottom: var(--spacing-xl);
    border-bottom: 1px solid var(--gray);
}

.form-section:last-of-type {
    border-bottom: none;
}

.form-section-title {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
    margin-bottom: var(--spacing-lg);
    color: var(--secondary-color);
    font-size: 1.5rem;
}

.form-section-title i {
    color: var(--primary-color);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-md);
}

.checkbox-group {
    margin-bottom: var(--spacing-sm);
}

.checkbox-label {
    display: flex;
    align-items: flex-start;
    gap: var(--spacing-sm);
    cursor: pointer;
}

.checkbox-label input[type="checkbox"] {
    margin-top: 4px;
    width: 18px;
    height: 18px;
    cursor: pointer;
}

.checkbox-label span {
    color: var(--text-secondary);
    font-size: 0.9rem;
}

.checkbox-label a {
    color: var(--primary-color);
    text-decoration: underline;
}

.form-actions {
    display: flex;
    gap: var(--spacing-md);
    margin-top: var(--spacing-xl);
}

.application-sidebar {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-md);
}

.sidebar-card {
    background: var(--white);
    padding: var(--spacing-lg);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-md);
}

.sidebar-card h3 {
    display: flex;
    align-items: center;
    gap: var(--spacing-xs);
    font-size: 1.125rem;
    margin-bottom: var(--spacing-sm);
    color: var(--secondary-color);
}

.sidebar-card h3 i {
    color: var(--primary-color);
}

.sidebar-card p {
    font-size: 0.9rem;
    margin-bottom: var(--spacing-xs);
}

/* ===================================
   Modern Multi-Step Form
   =================================== */
.modern-form-wrapper {
    max-width: 900px;
    margin: 0 auto;
}

.form-progress {
    display: none; /* Cacher la barre de progression complète */
    justify-content: space-between;
    margin-bottom: var(--spacing-xxl);
    position: relative;
}

.form-progress::before {
    content: '';
    position: absolute;
    top: 25px;
    left: 25%;
    right: 25%;
    height: 3px;
    background: var(--gray);
    z-index: 0;
}

.progress-step {
    display: none; /* Cacher la barre de progression des étapes */
    flex-direction: column;
    align-items: center;
    gap: var(--spacing-xs);
    position: relative;
    z-index: 1;
    flex: 1;
    text-align: center;
}

.step-number {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    background: var(--white);
    border: 3px solid var(--gray);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 1.25rem;
    color: var(--text-secondary);
    transition: all var(--transition-normal);
}

.progress-step span {
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--text-secondary);
}

.progress-step.active .step-number {
    background: linear-gradient(135deg, var(--primary-color), var(--accent-gold));
    border-color: var(--primary-color);
    color: var(--white);
    transform: scale(1.1);
}

.progress-step.active span {
    color: var(--primary-color);
    font-weight: 600;
}

.progress-step.completed .step-number {
    background: var(--primary-color);
    border-color: var(--primary-color);
    color: var(--white);
}

.progress-step.completed .step-number::after {
    content: '✓';
    font-size: 1.5rem;
}

.modern-loan-form {
    background: var(--white);
    padding: var(--spacing-lg);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
}

/* ============================================
   RÈGLES ULTRA-COMPACTES - TOUS APPAREILS
   Force l'espacement minimal entre sections
   ============================================ */
.form-section,
.form-step {
    margin-bottom: 0 !important;
    padding-bottom: 4px !important;
}

.section-title,
.step-title {
    margin-top: 6px !important;
    margin-bottom: 6px !important;
}

.form-grid {
    margin-bottom: 0 !important;
}

.form-navigation {
    margin-top: 4px !important;
    padding-top: 8px !important;
}

/* Simplified form sections (no steps) - ULTRA COMPACT */
.form-section {
    margin-bottom: 0 !important;
    padding-bottom: 4px !important;
    border-bottom: 1px solid var(--background-light);
}

.form-section:last-of-type {
    border-bottom: none;
    margin-bottom: 0 !important;
    padding-bottom: 0 !important;
}

.section-title {
    font-size: 1.3rem;
    color: var(--secondary-color);
    margin-bottom: 6px !important;
    margin-top: 6px !important;
    display: flex;
    align-items: center;
    gap: var(--spacing-xs);
    font-weight: 600;
}

/* Legacy support for old form-step class */
.form-step {
    display: block !important;
    margin-bottom: 0 !important;
    padding-bottom: 4px !important;
    border-bottom: 1px solid var(--background-light);
}

.form-step:last-of-type {
    border-bottom: none;
    margin-bottom: 0 !important;
    padding-bottom: 0 !important;
}

.step-title {
    font-size: 1.3rem;
    color: var(--secondary-color);
    margin-bottom: 6px !important;
    margin-top: 6px !important;
    display: flex;
    align-items: center;
    gap: var(--spacing-xs);
    font-weight: 600;
}

.form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-sm);
    margin-bottom: 0 !important;
}

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

.form-group label {
    display: block;
    font-weight: 600;
    color: var(--secondary-color);
    margin-bottom: var(--spacing-xs);
    font-size: 0.95rem;
}

.form-hint {
    display: block;
    font-size: 0.8rem;
    color: var(--text-secondary);
    margin-top: var(--spacing-xs);
}

.modern-select {
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%23D4A14A' d='M6 9L1 4h10z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 1rem center;
    padding-right: 3rem;
}

.form-navigation {
    display: flex;
    gap: var(--spacing-md);
    justify-content: center;
    padding-top: 8px !important;
    border-top: 2px solid var(--light-gray);
    margin-top: 4px !important;
}

.btn-prev,
.btn-next,
.btn-submit {
    padding: 1rem 2rem;
    border-radius: var(--radius-md);
    font-weight: 600;
    font-size: 1rem;
    border: none;
    cursor: pointer;
    transition: all var(--transition-normal);
    display: flex;
    align-items: center;
    gap: var(--spacing-xs);
}

.btn-prev,
.btn-next {
    display: none !important; /* Cacher les boutons de navigation (plus d'étapes) */
}

.btn-submit {
    background: linear-gradient(135deg, #2ecc71, #27ae60);
    color: var(--white);
    padding: 1rem 2.5rem;
    font-size: 1.05rem;
    min-width: 220px;
    text-align: center;
}

.btn-submit:hover {
    transform: scale(1.05);
    box-shadow: 0 8px 25px rgba(46, 204, 113, 0.3);
}

.consent-section {
    background: var(--light-gray);
    padding: var(--spacing-sm);
    border-radius: var(--radius-lg);
    margin-bottom: var(--spacing-xs);
}

.insurance-notice {
    display: flex;
    gap: var(--spacing-sm);
    background: linear-gradient(135deg, #fff9e6, #ffffff);
    padding: var(--spacing-sm);
    border-radius: var(--radius-md);
    border-left: 4px solid var(--primary-color);
    margin-bottom: var(--spacing-sm);
}

.notice-icon {
    font-size: 2rem;
}

.notice-content h4 {
    color: var(--secondary-color);
    margin-bottom: var(--spacing-xs);
    font-size: 1.125rem;
}

.notice-content p {
    color: var(--text-secondary);
    font-size: 0.95rem;
    line-height: 1.6;
}

.modern-checkbox {
    display: flex;
    align-items: flex-start;
    gap: var(--spacing-sm);
    cursor: pointer;
    padding: var(--spacing-sm);
    border-radius: var(--radius-md);
    transition: all var(--transition-fast);
}

.modern-checkbox:hover {
    background: rgba(212, 161, 74, 0.05);
}

.modern-checkbox input[type="checkbox"] {
    display: none;
}

.checkmark {
    width: 24px;
    height: 24px;
    border: 2px solid var(--gray);
    border-radius: 6px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: all var(--transition-fast);
    margin-top: 2px;
}

.modern-checkbox input[type="checkbox"]:checked + .checkmark {
    background: var(--primary-color);
    border-color: var(--primary-color);
}

.modern-checkbox input[type="checkbox"]:checked + .checkmark::after {
    content: '✓';
    color: var(--white);
    font-weight: 700;
    font-size: 1rem;
}

.checkbox-text {
    color: var(--text-primary);
    font-size: 0.9rem;
    line-height: 1.4;
}

.summary-box {
    background: linear-gradient(135deg, var(--light-gray), var(--white));
    padding: var(--spacing-sm);
    border-radius: var(--radius-lg);
    margin-bottom: var(--spacing-xs);
    border: 2px solid var(--primary-color);
}

.summary-box h4 {
    color: var(--secondary-color);
    margin-bottom: var(--spacing-sm);
    font-size: 1.125rem;
}

.summary-item {
    display: flex;
    justify-content: space-between;
    padding: var(--spacing-sm) 0;
    border-bottom: 1px solid var(--gray);
}

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

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

.summary-item strong {
    color: var(--primary-color);
    font-size: 1.125rem;
}

.form-benefits {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--spacing-md);
    margin-top: var(--spacing-xl);
    padding: var(--spacing-xl);
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
}

.benefit-item {
    display: flex;
    align-items: center;
    gap: var(--spacing-md);
    padding: var(--spacing-md);
    background: var(--light-gray);
    border-radius: var(--radius-md);
    transition: all var(--transition-normal);
}

.benefit-item:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
}

.benefit-icon-small {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary-color), var(--accent-gold));
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.25rem;
    flex-shrink: 0;
}

.benefit-item h4 {
    font-size: 1rem;
    color: var(--secondary-color);
    margin-bottom: 0.25rem;
}

.benefit-item p {
    font-size: 0.875rem;
    color: var(--text-secondary);
    margin: 0;
}

/* ===================================
   About Section
   =================================== */
.about-section {
    background: var(--white);
}

.about-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-xxl);
    align-items: center;
}

.about-content .lead {
    font-size: 1.25rem;
    font-weight: 600;
    color: var(--primary-color);
    margin-bottom: var(--spacing-md);
}

.about-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--spacing-md);
    margin: var(--spacing-xl) 0;
}

.stat-box {
    text-align: center;
    padding: var(--spacing-lg);
    background: var(--light-gray);
    border-radius: var(--radius-lg);
}

.stat-box i {
    font-size: 2.5rem;
    color: var(--primary-color);
    margin-bottom: var(--spacing-sm);
}

.stat-box h3 {
    font-size: 2rem;
    color: var(--primary-color);
    margin-bottom: 0.25rem;
}

.stat-box p {
    font-size: 0.875rem;
    color: var(--text-secondary);
    margin: 0;
}

.about-values h3 {
    margin-bottom: var(--spacing-md);
}

.about-values ul {
    list-style: none;
}

.about-values li {
    display: flex;
    align-items: flex-start;
    gap: var(--spacing-sm);
    margin-bottom: var(--spacing-sm);
    color: var(--text-secondary);
}

.about-values i {
    color: var(--success);
    margin-top: 4px;
}

.about-features {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-xl);
}

.feature-highlight {
    text-align: center;
    padding: var(--spacing-xl);
    background: linear-gradient(135deg, rgba(212, 161, 74, 0.1) 0%, rgba(255, 215, 0, 0.05) 100%);
    border-radius: var(--radius-xl);
    border: 2px solid var(--primary-color);
}

.feature-icon-large {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--accent-gold) 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto var(--spacing-md);
    box-shadow: var(--shadow-gold);
}

.feature-icon-large i {
    font-size: 2.5rem;
    color: var(--white);
}

.feature-highlight h3 {
    font-size: 1.5rem;
    color: var(--secondary-color);
    margin-bottom: var(--spacing-xs);
}

.feature-highlight p {
    color: var(--text-secondary);
    font-size: 1rem;
    margin: 0;
}

/* Testimonials */
.testimonials-section {
    background: var(--white);
    padding: var(--spacing-xl);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
}

.testimonials-title {
    text-align: center;
    color: var(--secondary-color);
    margin-bottom: var(--spacing-lg);
    font-size: 1.5rem;
}

.testimonial-card {
    background: var(--light-gray);
    padding: var(--spacing-lg);
    border-radius: var(--radius-lg);
    margin-bottom: var(--spacing-md);
    border-left: 4px solid var(--primary-color);
    transition: var(--transition-normal);
}

.testimonial-card:last-child {
    margin-bottom: 0;
}

.testimonial-card:hover {
    transform: translateX(5px);
    box-shadow: var(--shadow-md);
}

.testimonial-stars {
    color: var(--accent-gold);
    margin-bottom: var(--spacing-sm);
    font-size: 1rem;
}

.testimonial-stars i {
    margin-right: 2px;
}

.testimonial-text {
    font-style: italic;
    color: var(--text-primary);
    margin-bottom: var(--spacing-md);
    line-height: 1.6;
    font-size: 0.95rem;
}

.testimonial-author {
    display: flex;
    flex-direction: column;
    gap: 0.25rem;
}

.testimonial-author strong {
    color: var(--secondary-color);
    font-size: 1rem;
}

.testimonial-author span {
    color: var(--text-secondary);
    font-size: 0.875rem;
}

/* Certifications */
.certifications {
    background: var(--secondary-color);
    color: var(--white);
    padding: var(--spacing-lg);
    border-radius: var(--radius-xl);
    text-align: center;
}

.certifications h4 {
    color: var(--white);
    margin-bottom: var(--spacing-md);
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-sm);
}

.certifications h4 i {
    color: var(--accent-gold);
}

.cert-badges {
    display: flex;
    justify-content: center;
    gap: var(--spacing-lg);
    flex-wrap: wrap;
}

.cert-badge {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: var(--spacing-xs);
}

.cert-badge i {
    font-size: 2rem;
    color: var(--accent-gold);
}

.cert-badge span {
    font-size: 0.875rem;
    color: rgba(255, 255, 255, 0.9);
    font-weight: 500;
}

.image-placeholder {
    width: 100%;
    height: 500px;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-dark) 100%);
    border-radius: var(--radius-xl);
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: var(--shadow-gold);
}

.image-placeholder i {
    font-size: 8rem;
    color: rgba(255, 255, 255, 0.3);
}

/* ===================================
   Contact Section
   =================================== */
.contact-section {
    background: var(--light-gray);
}

.contact-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-xl);
}

.contact-info {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-md);
}

.contact-card {
    background: var(--white);
    padding: var(--spacing-lg);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-md);
    text-align: center;
    transition: var(--transition-normal);
}

.contact-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-lg);
}

.contact-icon {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--accent-gold) 100%);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto var(--spacing-md);
}

.contact-icon i {
    font-size: 1.5rem;
    color: var(--white);
}

.contact-card h3 {
    font-size: 1.125rem;
    margin-bottom: var(--spacing-xs);
}

.contact-card p {
    font-size: 0.9rem;
    margin: 0;
}

.contact-card a {
    color: var(--primary-color);
    font-weight: 500;
}

.contact-form-wrapper {
    background: var(--white);
    padding: var(--spacing-xl);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
}

.contact-form-wrapper h3 {
    margin-bottom: var(--spacing-lg);
}

.contact-form textarea {
    resize: vertical;
    min-height: 120px;
}

/* ===================================
   Footer
   =================================== */
.footer {
    background: linear-gradient(135deg, var(--secondary-dark) 0%, var(--secondary-color) 100%);
    color: var(--white);
    padding: var(--spacing-xxl) 0 var(--spacing-lg);
}

.footer-content {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1.5fr;
    gap: var(--spacing-xl);
    margin-bottom: var(--spacing-xl);
}

.footer-section h4 {
    color: var(--white);
    margin-bottom: var(--spacing-md);
    font-size: 1.125rem;
}

.footer-section p {
    color: rgba(255, 255, 255, 0.8);
    margin-bottom: var(--spacing-md);
}

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

.footer-section li {
    margin-bottom: var(--spacing-xs);
}

.footer-section a {
    color: rgba(255, 255, 255, 0.8);
    transition: var(--transition-fast);
}

.footer-section a:hover {
    color: var(--primary-light);
}

.social-links {
    display: flex;
    gap: var(--spacing-sm);
    margin-top: var(--spacing-md);
}

.social-links a {
    width: 40px;
    height: 40px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition-fast);
}

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

.contact-list {
    list-style: none;
}

.contact-list li {
    display: flex;
    align-items: center;
    gap: var(--spacing-xs);
    margin-bottom: var(--spacing-sm);
    color: rgba(255, 255, 255, 0.8);
}

.contact-list i {
    color: var(--primary-color);
    width: 20px;
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: var(--spacing-lg);
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.footer-bottom p {
    color: rgba(255, 255, 255, 0.7);
    margin: 0;
    font-size: 0.9rem;
    line-height: 1.6;
}

.footer-links {
    display: flex;
    gap: var(--spacing-sm);
    align-items: center;
    flex-wrap: wrap;
}

.footer-links span {
    color: rgba(255, 255, 255, 0.3);
    font-size: 0.875rem;
}

.footer-links a {
    color: rgba(255, 255, 255, 0.7);
    font-size: 0.875rem;
    transition: all var(--transition-fast);
    padding: 0.25rem 0.5rem;
    border-radius: 4px;
}

.footer-links a:hover {
    color: var(--primary-color);
    background: rgba(212, 161, 74, 0.1);
}

/* ===================================
   Scroll to Top Button
   =================================== */
.scroll-to-top {
    position: fixed;
    bottom: 30px;
    right: 30px;
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--accent-gold) 100%);
    color: var(--white);
    border: none;
    border-radius: 50%;
    cursor: pointer;
    display: none;
    align-items: center;
    justify-content: center;
    box-shadow: var(--shadow-gold);
    transition: var(--transition-normal);
    z-index: 999;
}

.scroll-to-top:hover {
    transform: translateY(-5px);
    box-shadow: 0 15px 35px rgba(212, 161, 74, 0.5);
}

.scroll-to-top.visible {
    display: flex;
}

/* ===================================
   Animations
   =================================== */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes fadeInRight {
    from {
        opacity: 0;
        transform: translateX(30px);
    }
    to {
        opacity: 1;
        transform: translateX(0);
    }
}

/* ===================================
   Responsive Design
   =================================== */

/* Tablets and smaller (max-width: 1024px) */
@media (max-width: 1024px) {
    h1 { font-size: 2.5rem; }
    h2 { font-size: 2rem; }
    
    /* Form sections - ULTRA COMPACT sur tablette */
    .form-section {
        margin-bottom: 0 !important;
        padding-bottom: 4px !important;
    }
    
    .section-title,
    .step-title {
        font-size: 1.25rem;
        margin-bottom: 6px !important;
        margin-top: 6px !important;
    }
    
    .form-grid {
        margin-bottom: 0 !important;
    }
    
    .form-navigation {
        margin-top: 4px !important;
        padding-top: 8px !important;
    }
    
    .hero-title {
        font-size: 2.5rem;
    }
    
    .hero-content {
        grid-template-columns: 1fr;
        gap: var(--spacing-lg);
    }
    
    .trust-indicators {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .loan-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .calculator-wrapper {
        grid-template-columns: 1fr;
    }
    
    .benefits-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .process-steps {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .process-step:nth-child(2)::after {
        display: none;
    }
    
    .application-wrapper {
        grid-template-columns: 1fr;
    }
    
    .about-wrapper {
        grid-template-columns: 1fr;
    }
    
    .contact-wrapper {
        grid-template-columns: 1fr;
    }
    
    .footer-content {
        grid-template-columns: repeat(2, 1fr);
    }
}

/* Mobile devices (max-width: 768px) - iPhone, Android */
@media (max-width: 768px) {
    :root {
        --spacing-xl: 2rem;
        --spacing-xxl: 3rem;
    }
    
    /* FORCE espacement minimal - iPhone & Android */
    .form-section,
    .form-step {
        margin-bottom: 0 !important;
        padding-bottom: 4px !important;
    }
    
    .section-title,
    .step-title {
        margin-top: 6px !important;
        margin-bottom: 6px !important;
    }
    
    .form-grid {
        margin-bottom: 0 !important;
    }
    
    .form-navigation {
        margin-top: 4px !important;
        padding-top: 8px !important;
    }
    
    h1 { font-size: 2rem; }
    h2 { font-size: 1.75rem; }
    
    .mobile-menu-toggle {
        display: block;
        padding: var(--spacing-sm);
        min-width: 44px;
        min-height: 44px;
        display: flex;
        align-items: center;
        justify-content: center;
        z-index: 1001;
        position: relative;
    }
    
    .nav-menu {
        position: fixed;
        top: 70px;
        left: -100%;
        width: 80%;
        max-width: 350px;
        height: calc(100vh - 70px);
        background: var(--secondary-color);
        flex-direction: column;
        align-items: flex-start;
        padding: var(--spacing-lg);
        transition: left 0.3s ease;
        overflow-y: auto;
        z-index: 999;
        box-shadow: var(--shadow-xl);
    }
    
    .nav-menu.active {
        left: 0;
    }
    
    .nav-menu.active::before {
        content: '';
        position: fixed;
        top: 70px;
        left: 0;
        right: 0;
        bottom: 0;
        background: rgba(0, 0, 0, 0.5);
        z-index: -1;
        animation: fadeIn 0.3s ease;
    }
    
    .nav-link {
        width: 100%;
        padding: var(--spacing-md);
        border-bottom: 1px solid rgba(255, 255, 255, 0.1);
        font-size: 1.125rem;
    }
    
    .hero-title {
        font-size: 2rem;
    }
    
    .hero-subtitle {
        font-size: 1rem;
    }
    
    .hero-cta {
        flex-direction: column;
    }
    
    .btn-large {
        width: 100%;
    }
    
    .trust-indicators {
        grid-template-columns: 1fr;
    }
    
    .loan-grid {
        grid-template-columns: 1fr;
    }
    
    .benefits-grid {
        grid-template-columns: 1fr;
    }
    
    .process-steps {
        grid-template-columns: 1fr;
    }
    
    .process-step::after {
        display: none;
    }
    
    .form-row {
        grid-template-columns: 1fr;
    }
    
    /* Modern form responsive - OPTIMISÉ MOBILE */
    .modern-form-wrapper {
        padding: var(--spacing-sm);
        margin: var(--spacing-md) auto;
    }
    
    .form-progress {
        flex-direction: row;
        gap: 0.5rem;
        margin-bottom: var(--spacing-lg);
        justify-content: center;
        padding: var(--spacing-sm);
    }
    
    .form-progress::before {
        display: none;
    }
    
    .progress-step {
        flex-direction: column;
        align-items: center;
        min-width: auto;
        flex: 1;
        max-width: 80px;
    }
    
    .progress-step span {
        font-size: 0.75rem;
        margin-top: 0.25rem;
        text-align: center;
        word-wrap: break-word;
    }
    
    .step-number {
        width: 36px;
        height: 36px;
        font-size: 0.95rem;
        border-width: 2px;
    }
    
    .modern-loan-form {
        padding: var(--spacing-md);
        border-radius: var(--radius-md);
    }
    
    .step-title {
        font-size: 1.25rem;
        margin-bottom: var(--spacing-md);
        text-align: center;
    }
    
    .form-grid {
        grid-template-columns: 1fr;
        gap: var(--spacing-sm);
        margin-bottom: 0 !important;
    }
    
    .form-grid .full-width {
        grid-column: 1 / -1;
    }
    
    .form-control,
    .modern-select {
        font-size: 16px !important; /* Évite le zoom automatique sur iOS */
        padding: 0.875rem;
        min-height: 48px; /* Touch-friendly */
    }
    
    .form-label {
        font-size: 0.95rem;
        margin-bottom: 0.5rem;
    }
    
    .form-navigation {
        flex-direction: column;
        gap: var(--spacing-sm);
        margin-top: 4px !important;
        padding-top: 8px !important;
        justify-content: center;
        align-items: center;
    }
    
    .btn-submit {
        width: 100%;
        max-width: 400px;
        justify-content: center;
        margin-left: 0 !important;
        padding: 1.25rem;
        font-size: 1.125rem;
        min-height: 56px; /* Touch-friendly */
        font-weight: 700;
    }
    
    .form-section {
        margin-bottom: 0 !important;
        padding-bottom: 4px !important;
    }
    
    .section-title {
        font-size: 1.15rem;
        margin-bottom: 6px !important;
        margin-top: 6px !important;
        text-align: center;
    }
    
    /* Cases à cocher plus grandes pour mobile */
    .checkbox-label {
        padding: var(--spacing-md);
        font-size: 0.95rem;
        line-height: 1.5;
    }
    
    .checkmark {
        width: 24px;
        height: 24px;
        min-width: 24px;
        min-height: 24px;
    }
    
    .checkmark::after {
        left: 8px;
        top: 4px;
        width: 6px;
        height: 12px;
    }
    
    /* Summary box optimisé */
    .summary-box {
        padding: var(--spacing-md);
        margin-bottom: var(--spacing-md);
    }
    
    .summary-box h4 {
        font-size: 1.125rem;
    }
    
    .summary-item {
        flex-direction: column;
        align-items: flex-start;
        gap: 0.25rem;
        padding: var(--spacing-sm) 0;
    }
    
    .summary-item strong {
        font-size: 1rem;
    }
    
    /* Insurance notice optimisé */
    .insurance-notice {
        flex-direction: column;
        padding: var(--spacing-md);
        gap: var(--spacing-sm);
    }
    
    .notice-icon {
        font-size: 2rem;
        margin-bottom: var(--spacing-xs);
    }
    
    .notice-content h4 {
        font-size: 1.125rem;
    }
    
    .notice-content p {
        font-size: 0.9rem;
    }
    
    .form-benefits {
        grid-template-columns: 1fr;
        padding: var(--spacing-md);
        gap: var(--spacing-sm);
    }
    
    .benefit-item {
        padding: var(--spacing-sm);
    }
    
    .benefit-icon-small {
        width: 40px;
        height: 40px;
        font-size: 1rem;
    }
    
    .benefit-item h4 {
        font-size: 0.9rem;
    }
    
    .benefit-item p {
        font-size: 0.8rem;
    }
    
    .insurance-notice {
        flex-direction: column;
        text-align: center;
    }
    
    .notice-icon {
        font-size: 3rem;
    }
    
    /* Footer responsive */
    .footer-content {
        grid-template-columns: 1fr;
        gap: var(--spacing-xl);
    }
    
    .footer-bottom {
        flex-direction: column;
        gap: var(--spacing-md);
        text-align: center;
    }
    
    .footer-links {
        justify-content: center;
    }
    
    .form-actions {
        flex-direction: column;
    }
    
    .contact-info {
        grid-template-columns: 1fr;
    }
    
    .footer-content {
        grid-template-columns: 1fr;
    }
    
    .footer-bottom {
        flex-direction: column;
        gap: var(--spacing-md);
        text-align: center;
    }
    
    .footer-links {
        flex-direction: column;
        gap: var(--spacing-xs);
    }
}

/* Small mobile devices (max-width: 480px) */
@media (max-width: 480px) {
    .container {
        padding: 0 var(--spacing-sm);
    }
    
    .hero-card {
        padding: var(--spacing-md);
    }
    
    .card-body {
        grid-template-columns: 1fr;
    }
    
    .about-stats {
        grid-template-columns: 1fr;
    }
    
    .cert-badges {
        flex-direction: column;
        gap: var(--spacing-md);
    }
    
    .testimonial-card {
        padding: var(--spacing-md);
    }
    
    /* Splash Screen Mobile */
    .splash-title {
        font-size: 2.5rem;
    }
    
    .splash-tagline {
        font-size: 1rem;
        padding: 0 var(--spacing-md);
    }
    
    .logo-circle {
        width: 100px;
        height: 100px;
    }
    
    .logo-circle i {
        font-size: 3rem;
    }
    
    .splash-loader {
        width: 150px;
    }
    
    /* Form ultra-optimisé pour très petits écrans */
    .modern-form-wrapper {
        padding: 0.5rem;
        margin: var(--spacing-sm) auto;
    }
    
    .modern-loan-form {
        padding: var(--spacing-sm);
    }
    
    .form-progress {
        gap: 0.25rem;
        padding: var(--spacing-xs);
    }
    
    .progress-step {
        max-width: 70px;
    }
    
    .progress-step span {
        font-size: 0.65rem;
        line-height: 1.2;
    }
    
    .step-number {
        width: 32px;
        height: 32px;
        font-size: 0.875rem;
        border-width: 2px;
    }
    
    .step-title,
    .section-title {
        font-size: 1.1rem;
        padding: 0 var(--spacing-xs);
        margin-bottom: 6px !important;
        margin-top: 6px !important;
    }
    
    .form-section {
        margin-bottom: 0 !important;
        padding-bottom: 4px !important;
    }
    
    .form-grid {
        margin-bottom: 0 !important;
    }
    
    .form-navigation {
        margin-top: 4px !important;
        padding-top: 8px !important;
    }
    
    .form-control,
    .modern-select {
        font-size: 16px !important;
        padding: 0.75rem 0.625rem;
    }
    
    label {
        font-size: 0.9rem;
    }
    
    .btn-prev,
    .btn-next,
    .btn-submit {
        padding: 0.875rem 1rem;
        font-size: 0.95rem;
    }
    
    .checkbox-label {
        padding: var(--spacing-sm);
        font-size: 0.875rem;
    }
    
    .checkbox-text {
        font-size: 0.875rem;
    }
    
    .summary-box {
        padding: var(--spacing-sm);
    }
    
    .summary-box h4 {
        font-size: 1rem;
    }
    
    .summary-item {
        font-size: 0.875rem;
    }
    
    .insurance-notice {
        padding: var(--spacing-sm);
        gap: 0.5rem;
    }
    
    .notice-icon {
        font-size: 1.75rem;
    }
    
    .notice-content h4 {
        font-size: 1rem;
    }
    
    .notice-content p {
        font-size: 0.85rem;
        line-height: 1.5;
    }
    
    .form-benefits {
        padding: var(--spacing-sm);
    }
}