/**
 * BRIDGE GROEP - Styles CSS Complets
 * Refonte frontend — palette full bleu, glassmorphisme, animations scroll
 */

/* ==========================================
   IMPORTS POLICES
   ========================================== */
@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@300;400;500;600;700;800&family=Open+Sans:wght@300;400;600;700&family=Roboto:wght@400;500;700&display=swap');

/* ==========================================
   VARIABLES CSS
   ========================================== */
:root {
    /* Palette principale */
    --bleu-royal:      #1E3A8A;
    --bleu-clair:      #3B82F6;
    --bleu-hover:      #2563EB;
    --fond-sombre:     #0F172A;
    --blanc:           #FFFFFF;

    /* Teintes dérivées */
    --bleu-royal-08:   rgba(30, 58, 138, 0.08);
    --bleu-royal-12:   rgba(30, 58, 138, 0.12);
    --bleu-royal-20:   rgba(30, 58, 138, 0.20);
    --bleu-clair-15:   rgba(59, 130, 246, 0.15);
    --bleu-clair-35:   rgba(59, 130, 246, 0.35);
    --blanc-07:        rgba(255, 255, 255, 0.07);
    --blanc-10:        rgba(255, 255, 255, 0.10);
    --blanc-15:        rgba(255, 255, 255, 0.15);
    --blanc-20:        rgba(255, 255, 255, 0.20);
    --blanc-25:        rgba(255, 255, 255, 0.25);
    --blanc-75:        rgba(255, 255, 255, 0.75);
    --blanc-85:        rgba(255, 255, 255, 0.85);
    --blanc-90:        rgba(255, 255, 255, 0.90);

    /* Neutrales */
    --gris-fonce:      #1E293B;
    --gris-moyen:      #64748B;
    --gris-clair:      #F1F5F9;
    --gris-border:     #E2E8F0;
    --fond-section:    #F8FAFF;

    /* Fonctionnelles */
    --succes:          #22C55E;
    --alerte:          #EF4444;

    /* Polices */
    --font-titres:     'Montserrat', sans-serif;
    --font-texte:      'Open Sans', sans-serif;
    --font-chiffres:   'Roboto', sans-serif;

    /* Espacements */
    --spacing-xs:  0.5rem;
    --spacing-sm:  1rem;
    --spacing-md:  2rem;
    --spacing-lg:  3rem;
    --spacing-xl:  5rem;

    /* Border radius */
    --radius-sm:   6px;
    --radius-md:   12px;
    --radius-lg:   20px;
    --radius-xl:   28px;
    --radius-full: 9999px;

    /* Ombres */
    --shadow-sm:    0 2px 8px  rgba(30, 58, 138, 0.08);
    --shadow-md:    0 4px 20px rgba(30, 58, 138, 0.12);
    --shadow-lg:    0 8px 40px rgba(30, 58, 138, 0.18);
    --shadow-blue:  0 0 20px   rgba(59, 130, 246, 0.35);
    --shadow-card:  0 4px 24px rgba(30, 58, 138, 0.10);

    /* Glassmorphisme */
    --glass-bg:        rgba(255, 255, 255, 0.75);
    --glass-bg-dark:   rgba(255, 255, 255, 0.07);
    --glass-border:    rgba(255, 255, 255, 0.90);
    --glass-border-dk: rgba(255, 255, 255, 0.15);
    --glass-blur:      blur(14px);
    --glass-blur-sm:   blur(8px);
    --glass-blur-hd:   blur(20px);

    /* Transitions */
    --transition:      all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --transition-fast: all 0.18s ease;
    --transition-slow: all 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-texte);
    color: var(--gris-fonce);
    line-height: 1.6;
    background-color: var(--blanc);
    overflow-x: hidden;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

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

ul, ol {
    list-style: none;
}

/* ==========================================
   TYPOGRAPHIE
   ========================================== */
h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-titres);
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 1rem;
    color: var(--bleu-royal);
}

h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.75rem, 4vw, 2.75rem); }
h3 { font-size: clamp(1.5rem, 3vw, 2rem); }
h4 { font-size: clamp(1.25rem, 2.5vw, 1.5rem); }

p {
    margin-bottom: 1rem;
    font-size: 1rem;
    line-height: 1.7;
}

.lead {
    font-size: 1.25rem;
    font-weight: 300;
    color: var(--gris-moyen);
}

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

.container-fluid {
    width: 100%;
    padding: 0 var(--spacing-md);
}

/* ==========================================
   HEADER — fond #1E3A8A, liens blancs
   ========================================== */
header {
    background: var(--bleu-royal);
    box-shadow: 0 2px 16px rgba(15,23,42,0.30);
    position: sticky;
    top: 0;
    z-index: 1000;
    transition: var(--transition);
}

header.scrolled {
    background: rgba(30, 58, 138, 0.92);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    box-shadow: 0 4px 24px rgba(15, 23, 42, 0.40);
}

.header-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 1rem var(--spacing-md);
    max-width: 1400px;
    margin: 0 auto;
}

.logo {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.logo-text {
    font-family: var(--font-titres);
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--bleu-royal);
}

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

/* Navigation */
.nav-menu {
    display: flex;
    align-items: center;
    gap: 2rem;
}

.nav-menu a {
    font-family: var(--font-titres);
    font-weight: 500;
    font-size: 0.95rem;
    color: var(--gris-fonce);
    padding: 0.5rem 0;
    position: relative;
}

.nav-menu a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background-color: var(--bleu-clair);
    transition: width 0.3s ease;
}

.nav-menu a:hover::after,
.nav-menu a.active::after {
    width: 100%;
}

.nav-menu a:hover,
.nav-menu a.active {
    color: var(--bleu-royal);
}

/* Bouton CTA Header */
.btn-header-cta {
    background: var(--bleu-royal);
    color: var(--blanc);
    padding: 0.75rem 1.75rem;
    border-radius: var(--radius-lg);
    font-weight: 600;
    font-size: 0.95rem;
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
    border: none;
    cursor: pointer;
}

.btn-header-cta:hover {
    background: var(--bleu-hover);
    transform: translateY(-2px);
    box-shadow: var(--shadow-blue);
}

/* Menu Mobile */
.menu-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    cursor: pointer;
    z-index: 1001;
}

.menu-toggle span {
    width: 25px;
    height: 3px;
    background-color: var(--bleu-royal);
    transition: var(--transition);
    border-radius: 2px;
}

.menu-toggle.active span:nth-child(1) {
    transform: rotate(45deg) translate(8px, 8px);
}

.menu-toggle.active span:nth-child(2) {
    opacity: 0;
}

.menu-toggle.active span:nth-child(3) {
    transform: rotate(-45deg) translate(7px, -7px);
}

/* ==========================================
   FOOTER
   ========================================== */
footer {
    background: var(--fond-sombre);
    color: var(--blanc);
    padding: var(--spacing-lg) 0 0;
}

.footer-content {
    max-width: 1400px;
    margin: 0 auto;
    padding: 0 var(--spacing-md);
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--spacing-md);
    padding-bottom: var(--spacing-md);
}

.footer-column h3 {
    color: var(--blanc);
    font-size: 1.1rem;
    margin-bottom: 1.5rem;
    font-weight: 600;
    position: relative;
    padding-bottom: 0.5rem;
}

.footer-column h3::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 40px;
    height: 2px;
    background-color: var(--bleu-clair);
}

.footer-column ul {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.footer-column ul li a {
    color: rgba(255, 255, 255, 0.75);
    font-size: 0.95rem;
    transition: var(--transition);
}

.footer-column ul li a:hover {
    color: var(--bleu-clair);
    padding-left: 5px;
}

.footer-contact-info {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.footer-contact-item {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    color: rgba(255, 255, 255, 0.85);
    font-size: 0.95rem;
}

.footer-contact-item i {
    color: var(--bleu-clair);
    font-size: 1.2rem;
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.10);
    padding: var(--spacing-md);
    text-align: center;
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.55);
}

.footer-legal {
    display: flex;
    justify-content: center;
    gap: 2rem;
    margin-bottom: 1rem;
    flex-wrap: wrap;
}

.footer-legal span {
    font-size: 0.85rem;
}

.footer-copyright {
    margin-top: 1rem;
}

/* ==========================================
   BOUTONS
   ========================================== */
.btn {
    display: inline-block;
    padding: 1rem 2rem;
    border-radius: var(--radius-lg);
    font-family: var(--font-titres);
    font-weight: 600;
    font-size: 1rem;
    text-align: center;
    cursor: pointer;
    transition: var(--transition);
    border: none;
    text-decoration: none;
}

.btn-primary {
    background: var(--bleu-royal);
    color: var(--blanc);
    box-shadow: var(--shadow-sm);
}

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

.btn-secondary {
    background: var(--bleu-clair);
    color: var(--blanc);
    box-shadow: var(--shadow-sm);
}

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

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

.btn-outline:hover {
    background: var(--bleu-royal);
    color: var(--blanc);
    transform: translateY(-2px);
}

.btn-large {
    padding: 1.25rem 3rem;
    font-size: 1.1rem;
}

/* Bouton sur fond sombre (simulateur, hero sombre) */
.btn-glass {
    background: var(--blanc-10);
    color: var(--blanc);
    border: 1px solid var(--blanc-25);
    backdrop-filter: var(--glass-blur-sm);
    -webkit-backdrop-filter: var(--glass-blur-sm);
    border-radius: var(--radius-lg);
    padding: 1rem 2rem;
    font-family: var(--font-titres);
    font-weight: 600;
    font-size: 1rem;
    cursor: pointer;
    transition: var(--transition);
    display: inline-block;
    text-align: center;
}

.btn-glass:hover {
    background: var(--blanc-20);
    box-shadow: var(--shadow-blue);
    transform: translateY(-2px);
}

/* ==========================================
   CARTES — GLASSMORPHISME
   ========================================== */
.card {
    background: var(--glass-bg);
    backdrop-filter: var(--glass-blur);
    -webkit-backdrop-filter: var(--glass-blur);
    border: 1px solid var(--glass-border);
    border-radius: var(--radius-lg);
    padding: var(--spacing-md);
    box-shadow: var(--shadow-card);
    transition: var(--transition);
}

.card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg), var(--shadow-blue);
    border-color: rgba(59, 130, 246, 0.30);
}

.card-icon {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, var(--bleu-royal), var(--bleu-clair));
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1rem;
    color: var(--blanc);
    font-size: 1.75rem;
}

.card-title {
    font-size: 1.35rem;
    margin-bottom: 0.75rem;
    color: var(--bleu-royal);
}

.card-text {
    color: var(--gris-moyen);
    line-height: 1.6;
}

/* ==========================================
   SECTIONS
   ========================================== */
section {
    padding: var(--spacing-xl) 0;
}

.section-title {
    text-align: center;
    margin-bottom: var(--spacing-lg);
}

.section-subtitle {
    text-align: center;
    font-size: 1.1rem;
    color: var(--gris-moyen);
    margin-bottom: var(--spacing-lg);
    max-width: 700px;
    margin-left: auto;
    margin-right: auto;
}

/* ==========================================
   GRILLES
   ========================================== */
.grid { display: grid; gap: var(--spacing-md); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

/* ==========================================
   FORMULAIRES
   ========================================== */
.form-group {
    margin-bottom: 1.5rem;
}

.form-label {
    display: block;
    margin-bottom: 0.5rem;
    font-weight: 600;
    color: var(--bleu-royal);
    font-size: 0.95rem;
}

.form-control {
    width: 100%;
    padding: 0.875rem 1rem;
    border: 2px solid var(--gris-border);
    border-radius: var(--radius-md);
    font-family: var(--font-texte);
    font-size: 1rem;
    transition: var(--transition);
    background: var(--blanc);
}

.form-control:focus {
    outline: none;
    border-color: var(--bleu-clair);
    box-shadow: 0 0 0 4px rgba(59, 130, 246, 0.12);
}

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

select.form-control {
    cursor: pointer;
}

/* ==========================================
   UTILITAIRES
   ========================================== */
.text-center { text-align: center; }
.text-right  { text-align: right; }

.mb-1 { margin-bottom: 0.5rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.mb-4 { margin-bottom: 2rem; }
.mb-5 { margin-bottom: 3rem; }

.mt-1 { margin-top: 0.5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mt-5 { margin-top: 3rem; }

.py-1 { padding-top: 0.5rem;  padding-bottom: 0.5rem; }
.py-2 { padding-top: 1rem;    padding-bottom: 1rem; }
.py-3 { padding-top: 1.5rem;  padding-bottom: 1.5rem; }
.py-4 { padding-top: 2rem;    padding-bottom: 2rem; }
.py-5 { padding-top: 3rem;    padding-bottom: 3rem; }

.bg-gris-clair { background-color: var(--fond-section); }
.bg-blanc      { background-color: var(--blanc); }

/* ==========================================
   ANIMATIONS SCROLL — INTERSECTION OBSERVER
   ========================================== */
.reveal-left {
    opacity: 0;
    transform: translateX(-60px);
    transition: opacity 0.65s cubic-bezier(0.4, 0, 0.2, 1),
                transform 0.65s cubic-bezier(0.4, 0, 0.2, 1);
}

.reveal-right {
    opacity: 0;
    transform: translateX(60px);
    transition: opacity 0.65s cubic-bezier(0.4, 0, 0.2, 1),
                transform 0.65s cubic-bezier(0.4, 0, 0.2, 1);
}

.reveal-up {
    opacity: 0;
    transform: translateY(40px);
    transition: opacity 0.65s cubic-bezier(0.4, 0, 0.2, 1),
                transform 0.65s cubic-bezier(0.4, 0, 0.2, 1);
}

.animate-on-scroll {
    opacity: 0;
    transform: translateY(40px);
    transition: opacity 0.65s cubic-bezier(0.4, 0, 0.2, 1),
                transform 0.65s cubic-bezier(0.4, 0, 0.2, 1);
}

.reveal-left.is-visible,
.reveal-right.is-visible,
.reveal-up.is-visible,
.animate-on-scroll.is-visible,
.animate-on-scroll.fade-in {
    opacity: 1;
    transform: translate(0, 0);
}

/* Stagger delays — nth-child 1→6 */
.reveal-left:nth-child(1),  .reveal-right:nth-child(1),
.reveal-up:nth-child(1),    .animate-on-scroll:nth-child(1)  { transition-delay: 0s; }
.reveal-left:nth-child(2),  .reveal-right:nth-child(2),
.reveal-up:nth-child(2),    .animate-on-scroll:nth-child(2)  { transition-delay: 0.1s; }
.reveal-left:nth-child(3),  .reveal-right:nth-child(3),
.reveal-up:nth-child(3),    .animate-on-scroll:nth-child(3)  { transition-delay: 0.2s; }
.reveal-left:nth-child(4),  .reveal-right:nth-child(4),
.reveal-up:nth-child(4),    .animate-on-scroll:nth-child(4)  { transition-delay: 0.3s; }
.reveal-left:nth-child(5),  .reveal-right:nth-child(5),
.reveal-up:nth-child(5),    .animate-on-scroll:nth-child(5)  { transition-delay: 0.4s; }
.reveal-left:nth-child(6),  .reveal-right:nth-child(6),
.reveal-up:nth-child(6),    .animate-on-scroll:nth-child(6)  { transition-delay: 0.5s; }

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

.fade-in {
    animation: fadeIn 0.6s ease-out;
}

@keyframes slideInLeft {
    from { opacity: 0; transform: translateX(-50px); }
    to   { opacity: 1; transform: translateX(0); }
}

@keyframes slideInRight {
    from { opacity: 0; transform: translateX(50px); }
    to   { opacity: 1; transform: translateX(0); }
}

@keyframes slideInUp {
    from { opacity: 0; transform: translateY(40px); }
    to   { opacity: 1; transform: translateY(0); }
}

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

/* ==========================================
   RESPONSIVE — TABLETTES
   ========================================== */
@media (max-width: 992px) {
    .header-container { padding: 1rem; }

    .nav-menu {
        position: fixed;
        top: 0;
        right: -100%;
        width: 300px;
        height: 100vh;
        background-color: var(--blanc);
        flex-direction: column;
        align-items: flex-start;
        padding: 5rem 2rem 2rem;
        gap: 1.5rem;
        box-shadow: var(--shadow-lg);
        transition: right 0.3s ease;
    }

    .nav-menu.active { right: 0; }
    .menu-toggle     { display: flex; }

    .footer-content { grid-template-columns: repeat(2, 1fr); gap: var(--spacing-lg); }
    .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
}

/* ==========================================
   SECTION À PROPOS
   ========================================== */
.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: stretch;
}

.about-image {
    position: relative;
    min-height: 500px;
}

.about-content {
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

.btn-about {
    display: inline-flex;
    align-items: center;
    gap: 0.75rem;
    padding: 1rem 2rem;
    background: var(--bleu-royal);
    color: var(--blanc);
    border-radius: var(--radius-md);
    font-family: var(--font-titres);
    font-weight: 600;
    font-size: 1.05rem;
    transition: var(--transition);
    box-shadow: var(--shadow-md);
    align-self: flex-start;
}

.btn-about:hover {
    background: var(--bleu-hover);
    transform: translateX(5px);
    box-shadow: var(--shadow-blue);
}

.btn-about i {
    transition: transform 0.3s ease;
}

.btn-about:hover i {
    transform: translateX(5px);
}

@media (max-width: 768px) {
    .about-grid { grid-template-columns: 1fr; gap: 2rem; }
    .about-image { min-height: 300px; }
}

/* ==========================================
   BENTO GRID — QUI PEUT DEMANDER
   ========================================== */
.bento-section {
    position: relative;
    overflow: hidden;
}

.bento-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    grid-auto-rows: 200px;
    gap: 1.5rem;
    margin-top: 3rem;
}

.bento-item {
    border-radius: var(--radius-xl);
    padding: 2rem;
    color: var(--blanc);
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    transition: all 0.4s ease;
    position: relative;
    overflow: hidden;
    cursor: pointer;
}

.bento-item::before {
    content: '';
    position: absolute;
    inset: 0;
    background: rgba(255, 255, 255, 0.08);
    backdrop-filter: blur(2px);
    opacity: 0;
    transition: opacity 0.3s ease;
    border-radius: inherit;
}

.bento-item:hover::before { opacity: 1; }

.bento-item:hover {
    transform: translateY(-8px);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.22);
}

.bento-large-h { grid-column: span 2; grid-row: span 1; }
.bento-large-v { grid-column: span 1; grid-row: span 2; }
.bento-square  { grid-column: span 1; grid-row: span 1; }
.bento-medium  { grid-column: span 2; grid-row: span 1; }

.bento-icon {
    width: 60px;
    height: 60px;
    background: rgba(255, 255, 255, 0.20);
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.75rem;
    margin-bottom: 1rem;
    backdrop-filter: blur(10px);
}

.bento-item h3 { font-size: 1.5rem; font-weight: 700; margin-bottom: 0.75rem; color: var(--blanc); }
.bento-item p  { font-size: 1rem; opacity: 0.95; line-height: 1.5; }

@media (max-width: 992px) {
    .bento-grid { grid-template-columns: repeat(2, 1fr); grid-auto-rows: 180px; }
    .bento-large-h { grid-column: span 2; }
}

@media (max-width: 768px) {
    .bento-grid { grid-template-columns: 1fr; grid-auto-rows: auto; gap: 1rem; }
    .bento-large-h, .bento-large-v, .bento-square, .bento-medium {
        grid-column: span 1; grid-row: span 1; min-height: 200px;
    }
    .bento-item { padding: 1.5rem; }
}

/* ==========================================
   SIMULATEUR — INPUTS
   ========================================== */
input[type="number"] { -moz-appearance: textfield; }
input[type="number"]::-webkit-inner-spin-button,
input[type="number"]::-webkit-outer-spin-button { -webkit-appearance: none; margin: 0; }

.simulator-container input[type="number"] { text-align: left; }
.simulator-container input[type="number"]:focus { border-color: var(--bleu-clair); }

/* ==========================================
   12 TYPES DE CRÉDIT
   ========================================== */
.credit-types-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
    margin-top: 3rem;
}

.credit-card {
    background: var(--glass-bg);
    backdrop-filter: var(--glass-blur);
    -webkit-backdrop-filter: var(--glass-blur);
    border: 1px solid rgba(30, 58, 138, 0.08);
    border-radius: var(--radius-lg);
    padding: 2rem;
    box-shadow: var(--shadow-card);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    display: flex;
    flex-direction: column;
    position: relative;
    overflow: hidden;
}

.credit-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--bleu-royal), var(--bleu-clair));
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s ease;
}

.credit-card:hover::before { transform: scaleX(1); }

.credit-card:hover {
    transform: translateY(-12px);
    box-shadow: var(--shadow-lg), var(--shadow-blue);
    border-color: rgba(59, 130, 246, 0.40);
}

.credit-icon {
    width: 70px;
    height: 70px;
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
    color: var(--blanc);
    font-size: 2rem;
    transition: transform 0.4s ease;
}

.credit-card:hover .credit-icon {
    transform: scale(1.1) rotate(5deg);
}

.credit-title {
    font-size: 1.35rem;
    font-weight: 700;
    color: var(--bleu-royal);
    margin-bottom: 1rem;
    transition: color 0.3s ease;
}

.credit-card:hover .credit-title { color: var(--bleu-clair); }

.credit-description {
    color: var(--gris-moyen);
    font-size: 0.95rem;
    line-height: 1.6;
    margin-bottom: 1.5rem;
    flex-grow: 1;
}

.credit-amount {
    font-family: var(--font-chiffres);
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--bleu-royal);
    background: var(--fond-section);
    padding: 0.5rem 1rem;
    border-radius: var(--radius-sm);
    text-align: center;
    margin-bottom: 1.5rem;
}

.btn-credit {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0.875rem 1.25rem;
    background: linear-gradient(135deg, var(--bleu-royal), var(--bleu-clair));
    color: var(--blanc);
    border-radius: var(--radius-md);
    font-weight: 600;
    font-size: 0.95rem;
    transition: all 0.3s ease;
    border: none;
    cursor: pointer;
}

.btn-credit:hover {
    background: linear-gradient(135deg, var(--fond-sombre), var(--bleu-royal));
    transform: translateX(5px);
    box-shadow: var(--shadow-blue);
}

.btn-credit i { transition: transform 0.3s ease; }
.btn-credit:hover i { transform: translateX(5px); }

@media (max-width: 1200px) { .credit-types-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 768px)  { .credit-types-grid { grid-template-columns: repeat(2, 1fr); gap: 1.5rem; } .credit-card { padding: 1.5rem; } }
@media (max-width: 480px)  { .credit-types-grid { grid-template-columns: 1fr; } }

/* ── Responsive — grilles homepage refactorisées ── */
@media (max-width: 1100px) {
    /* 12 crédits : 3 colonnes */
    #index-kredieten-grid { grid-template-columns: repeat(3, 1fr) !important; }
}
@media (max-width: 992px) {
    /* Qui peut demander : 2 colonnes */
    #index-profielen-grid { grid-template-columns: repeat(2, 1fr) !important; }
    /* 12 crédits : 2 colonnes */
    #index-kredieten-grid { grid-template-columns: repeat(2, 1fr) !important; }
}
@media (max-width: 600px) {
    #index-profielen-grid,
    #index-kredieten-grid { grid-template-columns: 1fr !important; }
}

/* ==========================================
   TÉMOIGNAGES
   ========================================== */
.testimonials-grid {
    display: grid;
    grid-template-columns: 45% 55%;
    gap: 3rem;
    margin-top: 3rem;
    align-items: stretch;
}

.testimonials-image {
    position: relative;
    height: 100%;
}

.testimonials-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
}

.testimonials-badge {
    position: absolute;
    bottom: 2rem;
    left: 2rem;
    background: var(--glass-bg);
    backdrop-filter: var(--glass-blur);
    -webkit-backdrop-filter: var(--glass-blur);
    border: 1px solid var(--glass-border);
    padding: 1.5rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    z-index: 1;
}

.testimonials-list {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
    height: 100%;
}

.testimonial-card {
    background: var(--glass-bg);
    backdrop-filter: var(--glass-blur);
    -webkit-backdrop-filter: var(--glass-blur);
    border: 1px solid var(--glass-border);
    padding: 1.5rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-card);
    transition: all 0.3s ease;
    flex: 1;
    display: flex;
    flex-direction: column;
}

.testimonial-card:hover {
    transform: translateX(8px);
    box-shadow: var(--shadow-md), var(--shadow-blue);
    border-color: rgba(59, 130, 246, 0.35);
}

.testimonial-header {
    display: flex;
    align-items: center;
    gap: 1rem;
    margin-bottom: 1rem;
}

.testimonial-avatar {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--bleu-royal), var(--bleu-clair));
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--blanc);
    font-weight: 700;
    font-size: 1.1rem;
    flex-shrink: 0;
}

.testimonial-info { flex-grow: 1; }

.testimonial-name {
    font-weight: 700;
    font-size: 1rem;
    color: var(--bleu-royal);
    margin-bottom: 0.25rem;
}

.testimonial-profession {
    font-size: 0.85rem;
    color: var(--gris-moyen);
    font-style: italic;
}

.google-icon { font-size: 1.5rem; }
.google-icon i { color: #4285F4; }

.testimonial-rating {
    color: var(--bleu-clair);
    font-size: 0.9rem;
    margin-bottom: 1rem;
}

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

.testimonial-text {
    color: var(--gris-moyen);
    font-size: 0.95rem;
    line-height: 1.7;
    font-style: italic;
    margin: 0;
    flex-grow: 1;
}

@media (max-width: 992px) {
    .testimonials-grid { grid-template-columns: 1fr; gap: 3rem; }
    .testimonials-image { min-height: 500px; order: 2; }
    .testimonials-list  { order: 1; height: auto; }
}

@media (max-width: 768px) {
    .testimonials-grid  { gap: 2rem; }
    .testimonials-image { min-height: 400px; }
    .testimonials-badge { left: 1rem; bottom: 1rem; padding: 1rem; }
    .testimonials-badge > div:first-child { flex-direction: column; align-items: flex-start; }
    .testimonial-card   { padding: 1.25rem; }
    .testimonial-header { flex-wrap: wrap; }
}

@media (max-width: 480px) {
    .testimonials-image  { min-height: 300px; }
    .testimonials-badge  { font-size: 0.9rem; padding: 0.875rem; }
    .testimonial-avatar  { width: 40px; height: 40px; font-size: 0.95rem; }
    .testimonial-name    { font-size: 0.9rem; }
    .testimonial-profession { font-size: 0.8rem; }
}

/* ==========================================
   FAQ
   ========================================== */
.faq-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 2rem;
    margin-top: 3rem;
    max-width: 1200px;
    margin-left: auto;
    margin-right: auto;
}

.faq-column {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.faq-item {
    background: var(--glass-bg);
    backdrop-filter: var(--glass-blur);
    -webkit-backdrop-filter: var(--glass-blur);
    border: 1px solid var(--glass-border);
    padding: 1.5rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-card);
    cursor: pointer;
    transition: all 0.3s ease;
}

.faq-item:hover {
    border-color: rgba(59, 130, 246, 0.35);
    box-shadow: var(--shadow-md), var(--shadow-blue);
    transform: translateY(-2px);
}

.faq-item.active {
    border-color: rgba(30, 58, 138, 0.40);
    background: rgba(248, 250, 255, 0.90);
}

.faq-question {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin: 0;
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--bleu-royal);
    gap: 1rem;
}

.faq-question span { flex: 1; }

.faq-icon {
    color: var(--bleu-clair);
    font-size: 1.2rem;
    transition: transform 0.3s ease;
    flex-shrink: 0;
}

.faq-item.active .faq-icon { transform: rotate(180deg); }

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease, margin-top 0.4s ease, padding-top 0.4s ease;
    color: var(--gris-moyen);
    font-size: 0.95rem;
    line-height: 1.7;
}

.faq-item.active .faq-answer {
    max-height: 500px;
    margin-top: 1rem;
    padding-top: 1rem;
    border-top: 1px solid var(--gris-border);
}

/* FAQ variant — fond sombre (#0F172A) */
.faq-dark {
    background: rgba(255, 255, 255, 0.06);
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);
    border: 1px solid rgba(255, 255, 255, 0.12);
    box-shadow: none;
}

.faq-dark:hover {
    background: rgba(255, 255, 255, 0.10);
    border-color: rgba(59, 130, 246, 0.40);
    box-shadow: 0 0 20px rgba(59, 130, 246, 0.15);
    transform: translateY(-2px);
}

.faq-dark.active {
    background: rgba(59, 130, 246, 0.12);
    border-color: rgba(59, 130, 246, 0.35);
}

.faq-dark .faq-question {
    color: white;
}

.faq-dark.active .faq-answer {
    color: rgba(255, 255, 255, 0.75);
    border-top-color: rgba(255, 255, 255, 0.12);
}

@media (max-width: 992px) { .faq-grid { grid-template-columns: 1fr; gap: 1.5rem; } }
@media (max-width: 768px) {
    .faq-item     { padding: 1.25rem; }
    .faq-question { font-size: 1rem; }
    .faq-answer   { font-size: 0.9rem; }
}

/* ==========================================
   PAGE ONZE KREDIETEN
   ========================================== */
.page-hero { position: relative; }

.credit-detail-card {
    background: var(--glass-bg);
    backdrop-filter: var(--glass-blur);
    -webkit-backdrop-filter: var(--glass-blur);
    border: 1px solid var(--glass-border);
    border-radius: var(--radius-xl);
    padding: 2.5rem;
    margin-bottom: 3rem;
    box-shadow: var(--shadow-card);
    transition: all 0.3s ease;
}

.credit-detail-card:hover {
    border-color: rgba(59, 130, 246, 0.35);
    box-shadow: var(--shadow-lg), var(--shadow-blue);
    transform: translateY(-4px);
}

.credit-detail-header {
    display: flex;
    align-items: center;
    gap: 2rem;
    margin-bottom: 2rem;
    padding-bottom: 2rem;
    border-bottom: 2px solid var(--gris-border);
}

.credit-detail-icon {
    width: 80px;
    height: 80px;
    border-radius: 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--blanc);
    font-size: 2.5rem;
    flex-shrink: 0;
}

.credit-detail-title h2 { font-size: 2rem; color: var(--bleu-royal); margin-bottom: 0.5rem; }
.credit-detail-title p  { color: var(--gris-moyen); font-size: 1.1rem; margin: 0; }

.credit-detail-content {
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 3rem;
    align-items: start;
}

.credit-detail-info h3 { color: var(--bleu-royal); font-size: 1.3rem; margin-bottom: 1rem; margin-top: 2rem; }
.credit-detail-info h3:first-child { margin-top: 0; }
.credit-detail-info p   { color: var(--gris-moyen); line-height: 1.8; font-size: 1rem; }

.credit-features-list { list-style: none; padding: 0; margin: 0; }
.credit-features-list li {
    display: flex; align-items: center; gap: 0.75rem;
    padding: 0.75rem 0; color: var(--gris-fonce); font-size: 1rem;
}
.credit-features-list i { color: var(--succes); font-size: 1.2rem; }
.credit-detail-cta { display: flex; align-items: center; }

/* ==========================================
   RESPONSIVE — MOBILES
   ========================================== */
@media (max-width: 768px) {
    :root {
        --spacing-xl: 3rem;
        --spacing-lg: 2rem;
    }

    h1 { font-size: 2rem; }
    h2 { font-size: 1.75rem; }

    .container { padding: 0 1rem; }

    .footer-content { grid-template-columns: 1fr; }
    .footer-legal   { flex-direction: column; gap: 0.5rem; }

    .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }

    .btn { width: 100%; padding: 1rem; }

    section { padding: 2.5rem 0; }

    .credit-detail-card    { padding: 1.5rem; margin-bottom: 2rem; }
    .credit-detail-header  { flex-direction: column; align-items: flex-start; gap: 1rem; }
    .credit-detail-content { grid-template-columns: 1fr; gap: 2rem; }
    .credit-detail-icon    { width: 60px; height: 60px; font-size: 2rem; }
    .credit-detail-title h2 { font-size: 1.5rem; }
}

@media (max-width: 480px) {
    html { font-size: 14px; }
    .nav-menu  { width: 100%; right: -100%; }
    .logo-text { font-size: 1.25rem; }
}

/* ==========================================
   PAGE OVER ONS
   ========================================== */
.about-story-grid {
    display: grid;
    grid-template-columns: 45% 55%;
    gap: 4rem;
    align-items: center;
}

.about-story-image {
    position: relative;
    min-height: 500px;
}

.about-story-content { display: flex; flex-direction: column; }

.values-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.value-card {
    background: var(--glass-bg);
    backdrop-filter: var(--glass-blur);
    -webkit-backdrop-filter: var(--glass-blur);
    border: 1px solid var(--glass-border);
    padding: 2rem;
    border-radius: var(--radius-lg);
    text-align: center;
    box-shadow: var(--shadow-card);
    transition: all 0.3s ease;
}

.value-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg), var(--shadow-blue);
    border-color: rgba(59, 130, 246, 0.35);
}

.value-icon {
    width: 70px;
    height: 70px;
    background: linear-gradient(135deg, var(--bleu-royal), var(--bleu-clair));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
    color: var(--blanc);
    font-size: 2rem;
}

.value-card h3 { color: var(--bleu-royal); font-size: 1.3rem; margin-bottom: 1rem; }
.value-card p  { color: var(--gris-moyen); line-height: 1.7; font-size: 0.95rem; }

.why-choose-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 2rem;
}

.why-choose-item {
    display: flex;
    gap: 1.5rem;
    background: var(--glass-bg);
    backdrop-filter: var(--glass-blur);
    -webkit-backdrop-filter: var(--glass-blur);
    border: 1px solid var(--glass-border);
    padding: 2rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-card);
    transition: all 0.3s ease;
}

.why-choose-item:hover {
    border-color: rgba(59, 130, 246, 0.35);
    box-shadow: var(--shadow-md), var(--shadow-blue);
}

.why-choose-number {
    font-size: 3rem;
    font-weight: 800;
    color: var(--bleu-clair);
    line-height: 1;
    flex-shrink: 0;
    opacity: 0.5;
}

.why-choose-content h3 { color: var(--bleu-royal); font-size: 1.3rem; margin-bottom: 0.75rem; }
.why-choose-content p  { color: var(--gris-moyen); line-height: 1.7; }

/* ==========================================
   PAGE HOE WERKT HET
   ========================================== */
.process-detailed-grid { display: grid; gap: 3rem; }

.process-step-detailed {
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 2rem;
    background: var(--glass-bg);
    backdrop-filter: var(--glass-blur);
    -webkit-backdrop-filter: var(--glass-blur);
    border: 1px solid var(--glass-border);
    padding: 2.5rem;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-card);
    transition: all 0.3s ease;
}

.process-step-detailed:hover {
    border-color: rgba(59, 130, 246, 0.35);
    box-shadow: var(--shadow-lg), var(--shadow-blue);
}

.process-step-icon {
    width: 100px;
    height: 100px;
    border-radius: 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--blanc);
    font-size: 2.5rem;
    flex-shrink: 0;
}

.process-step-number {
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--bleu-clair);
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 0.75rem;
}

.process-step-content h3 { color: var(--bleu-royal); font-size: 1.75rem; margin-bottom: 1rem; }
.process-step-content > p { color: var(--gris-moyen); line-height: 1.8; margin-bottom: 1.5rem; }

.process-checklist { list-style: none; padding: 0; margin: 1.5rem 0; }
.process-checklist li {
    display: flex; align-items: center; gap: 0.75rem;
    padding: 0.5rem 0; color: var(--gris-fonce);
}
.process-checklist i { color: var(--succes); font-size: 1.1rem; }

.process-duration {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    background: var(--fond-section);
    padding: 0.75rem 1.25rem;
    border-radius: var(--radius-sm);
    color: var(--gris-moyen);
    font-size: 0.9rem;
    margin-top: 1rem;
}

.process-duration i { color: var(--bleu-clair); }

.documents-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.document-card {
    background: var(--glass-bg);
    backdrop-filter: var(--glass-blur);
    -webkit-backdrop-filter: var(--glass-blur);
    border: 1px solid var(--glass-border);
    padding: 2rem;
    border-radius: var(--radius-lg);
    text-align: center;
    box-shadow: var(--shadow-card);
    transition: all 0.3s ease;
}

.document-card:hover {
    border-color: rgba(59, 130, 246, 0.35);
    transform: translateY(-5px);
    box-shadow: var(--shadow-md), var(--shadow-blue);
}

.document-icon {
    width: 70px;
    height: 70px;
    background: linear-gradient(135deg, var(--bleu-royal), var(--bleu-clair));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
    color: var(--blanc);
    font-size: 2rem;
}

.document-card h3 { color: var(--bleu-royal); font-size: 1.2rem; margin-bottom: 0.75rem; }
.document-card p  { color: var(--gris-moyen); font-size: 0.9rem; line-height: 1.6; }

/* ==========================================
   PAGE CONTACT
   ========================================== */
.contact-grid {
    display: grid;
    grid-template-columns: 60% 40%;
    gap: 4rem;
}

.contact-form-container { background: var(--blanc); }

.contact-info-container {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.contact-info-card {
    display: flex;
    gap: 1.5rem;
    background: var(--glass-bg);
    backdrop-filter: var(--glass-blur);
    -webkit-backdrop-filter: var(--glass-blur);
    border: 1px solid var(--glass-border);
    padding: 1.5rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-card);
    transition: all 0.3s ease;
}

.contact-info-card:hover {
    border-color: rgba(59, 130, 246, 0.35);
    box-shadow: var(--shadow-md), var(--shadow-blue);
}

.contact-info-icon {
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, var(--bleu-royal), var(--bleu-clair));
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--blanc);
    font-size: 1.5rem;
    flex-shrink: 0;
}

.contact-info-card h3 { color: var(--bleu-royal); font-size: 1.1rem; margin-bottom: 0.5rem; }
.contact-info-card p  { margin: 0.25rem 0; color: var(--gris-moyen); }

/* ==========================================
   PAGES LÉGALES
   ========================================== */
.legal-content { font-size: 1rem; line-height: 1.8; color: var(--gris-fonce); }

.legal-content h2 {
    color: var(--bleu-royal);
    font-size: 1.75rem;
    margin-top: 2.5rem;
    margin-bottom: 1rem;
    padding-bottom: 0.5rem;
    border-bottom: 2px solid var(--gris-border);
}

.legal-content h2:first-child { margin-top: 0; }
.legal-content h3 { color: var(--bleu-royal); font-size: 1.3rem; margin-top: 1.5rem; margin-bottom: 0.75rem; }
.legal-content p  { margin-bottom: 1rem; color: var(--gris-moyen); }
.legal-content ul { margin: 1rem 0 1.5rem 2rem; list-style-type: disc; }
.legal-content ul li { margin-bottom: 0.5rem; color: var(--gris-moyen); }
.legal-content strong { color: var(--bleu-royal); }
.legal-content a { color: var(--bleu-clair); text-decoration: underline; }
.legal-content a:hover { color: var(--bleu-royal); }

/* ==========================================
   PAGE DEMANDE DE CRÉDIT
   ========================================== */
.demande-container {
    display: grid;
    grid-template-columns: 1fr 380px;
    gap: 3rem;
    max-width: 1400px;
    margin: 0 auto;
}

.demande-form-card {
    background: var(--glass-bg);
    backdrop-filter: var(--glass-blur);
    -webkit-backdrop-filter: var(--glass-blur);
    border: 1px solid var(--glass-border);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    animation: slideInUp 0.7s ease both;
}

.form-header-demande {
    background: linear-gradient(135deg, var(--bleu-royal), var(--bleu-hover));
    color: var(--blanc);
    padding: 3.5rem 3rem 3rem;
    text-align: center;
}

.form-header-demande i {
    font-size: 4rem;
    margin-bottom: 1.5rem;
    opacity: 0.95;
    animation: pulse 2s ease-in-out infinite;
}

.form-header-demande h2 {
    color: var(--blanc);
    font-size: 2.5rem;
    margin-bottom: 1rem;
    font-weight: 800;
}

.form-header-demande p { opacity: 0.95; font-size: 1.15rem; margin: 0; line-height: 1.6; }

.demande-credit-form { padding: 3.5rem 3rem; }

.form-section-demande {
    margin-bottom: 3.5rem;
    padding-bottom: 2.5rem;
    border-bottom: 2px solid var(--gris-border);
}

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

.form-section-demande h3 {
    color: var(--bleu-royal);
    font-size: 1.6rem;
    margin-bottom: 2rem;
    display: flex;
    align-items: center;
    gap: 1rem;
    font-weight: 700;
}

.form-section-demande h3 i { color: var(--bleu-clair); font-size: 1.8rem; }

.form-row-demande {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 2rem;
}

.form-group {
    position: relative;
    margin-bottom: 2rem;
}

.form-group label {
    display: block;
    font-weight: 700;
    color: var(--gris-fonce);
    margin-bottom: 0.75rem;
    font-size: 1.05rem;
    transition: all 0.3s ease;
}

.form-group.focused label { color: var(--bleu-clair); }

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 1.25rem 1.5rem;
    border: 2px solid var(--gris-border);
    border-radius: var(--radius-md);
    font-size: 1.1rem;
    font-family: inherit;
    transition: all 0.3s ease;
    background: rgba(255, 255, 255, 0.85);
    color: var(--gris-fonce);
    font-weight: 500;
}

.form-group select {
    cursor: pointer;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 16 16'%3E%3Cpath fill='%231E3A8A' d='M8 11L3 6h10z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 1.5rem center;
    background-size: 16px;
    padding-right: 3rem;
    background-color: rgba(255, 255, 255, 0.85);
}

.form-group textarea { min-height: 140px; resize: vertical; line-height: 1.6; }

.form-group input:hover,
.form-group select:hover,
.form-group textarea:hover {
    border-color: rgba(59, 130, 246, 0.40);
    background: var(--blanc);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--bleu-clair);
    background: var(--blanc);
    box-shadow: 0 0 0 4px rgba(59, 130, 246, 0.12);
    transform: translateY(-1px);
}

.form-group small {
    display: block;
    color: var(--gris-moyen);
    font-size: 0.9rem;
    margin-top: 0.75rem;
    font-weight: 500;
}

.mensualite-preview {
    background: linear-gradient(135deg, rgba(30, 58, 138, 0.06), rgba(59, 130, 246, 0.08));
    border-radius: var(--radius-lg);
    padding: 2.5rem;
    margin-top: 2rem;
    border: 2px solid rgba(59, 130, 246, 0.25);
    box-shadow: 0 4px 20px rgba(30, 58, 138, 0.08);
}

.preview-content {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2.5rem;
}

.preview-item {
    text-align: center;
    padding: 1.5rem;
    background: var(--blanc);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
}

.preview-item span {
    display: block;
    font-size: 1rem;
    color: var(--gris-moyen);
    margin-bottom: 0.75rem;
    font-weight: 600;
}

.preview-item strong {
    display: block;
    font-size: 2rem;
    color: var(--bleu-royal);
    font-weight: 800;
    font-family: var(--font-chiffres);
}

.checkbox-group-demande { margin-bottom: 1.25rem; }

.checkbox-label-demande {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
    cursor: pointer;
    padding: 1.5rem;
    border-radius: var(--radius-md);
    transition: all 0.3s ease;
    background: rgba(248, 250, 255, 0.85);
    border: 2px solid var(--gris-border);
}

.checkbox-label-demande:hover {
    background: var(--blanc);
    border-color: rgba(59, 130, 246, 0.40);
    transform: translateX(5px);
}

.checkbox-label-demande input[type="checkbox"] {
    width: 24px;
    height: 24px;
    flex-shrink: 0;
    cursor: pointer;
    margin-top: 3px;
    accent-color: var(--bleu-clair);
}

.checkbox-label-demande span {
    color: var(--gris-fonce);
    line-height: 1.7;
    font-size: 1.05rem;
    font-weight: 500;
}

.checkbox-label-demande a {
    color: var(--bleu-clair);
    text-decoration: underline;
    font-weight: 600;
}

.checkbox-label-demande a:hover { color: var(--bleu-royal); }

.form-submit-demande { margin-top: 3rem; }

.btn-submit-demande {
    width: 100%;
    background: var(--bleu-royal);
    color: var(--blanc);
    border: none;
    padding: 1.75rem 2.5rem;
    font-size: 1.25rem;
    font-weight: 800;
    border-radius: var(--radius-lg);
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 1rem;
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    text-transform: uppercase;
    letter-spacing: 1px;
    box-shadow: 0 10px 30px rgba(30, 58, 138, 0.25);
}

.btn-submit-demande:hover {
    background: var(--bleu-hover);
    transform: translateY(-4px);
    box-shadow: 0 15px 40px rgba(59, 130, 246, 0.40);
}

.btn-submit-demande:active { transform: translateY(-2px); }
.btn-submit-demande i { font-size: 1.4rem; }

/* Sidebar */
.demande-sidebar {
    display: flex;
    flex-direction: column;
    gap: 2rem;
}

.info-card {
    background: var(--glass-bg);
    backdrop-filter: var(--glass-blur);
    -webkit-backdrop-filter: var(--glass-blur);
    border: 1px solid var(--glass-border);
    padding: 2.5rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-card);
    transition: all 0.4s ease;
    animation: slideInUp 0.7s ease both;
}

.info-card:nth-child(2) { animation-delay: 0.15s; }
.info-card:nth-child(3) { animation-delay: 0.30s; }
.info-card:nth-child(4) { animation-delay: 0.45s; }

.info-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg), var(--shadow-blue);
    border-color: rgba(59, 130, 246, 0.35);
}

.info-icon {
    width: 70px;
    height: 70px;
    background: linear-gradient(135deg, var(--bleu-royal), var(--bleu-clair));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
    color: var(--blanc);
    font-size: 2rem;
    box-shadow: 0 8px 20px rgba(30, 58, 138, 0.25);
}

.info-card h4 { color: var(--bleu-royal); font-size: 1.35rem; margin-bottom: 1rem; font-weight: 700; }
.info-card p  { color: var(--gris-moyen); line-height: 1.7; margin: 0; font-size: 1.05rem; }

.contact-card {
    background: linear-gradient(135deg, var(--bleu-royal), var(--fond-sombre));
    border: 1px solid rgba(59, 130, 246, 0.20);
}

.contact-card h4 { color: var(--blanc); }
.contact-card p  { color: rgba(255, 255, 255, 0.85); }

.contact-card .info-icon {
    background: rgba(255, 255, 255, 0.15);
    box-shadow: none;
}

.contact-link {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    color: var(--blanc);
    text-decoration: none;
    margin-top: 1rem;
    padding: 1rem 1.25rem;
    border-radius: var(--radius-md);
    transition: all 0.3s ease;
    background: rgba(255, 255, 255, 0.10);
    font-weight: 600;
    font-size: 1.05rem;
    border: 1px solid rgba(255, 255, 255, 0.15);
}

.contact-link:hover {
    background: rgba(255, 255, 255, 0.20);
    padding-left: 1.5rem;
    transform: translateX(5px);
}

.contact-link i { font-size: 1.2rem; }

/* ==========================================
   RESPONSIVE — DEMANDE
   ========================================== */
@media (max-width: 1200px) {
    .demande-container { grid-template-columns: 1fr 320px; gap: 2.5rem; }
}

@media (max-width: 992px) {
    .demande-container    { grid-template-columns: 1fr; gap: 2.5rem; }
    .demande-credit-form  { padding: 2.5rem 2rem; }
    .form-row-demande     { grid-template-columns: 1fr; gap: 1.5rem; }
    .preview-content      { grid-template-columns: 1fr; gap: 1.25rem; }
    .preview-item         { padding: 1.25rem; }
}

@media (max-width: 768px) {
    .form-header-demande   { padding: 2.5rem 1.5rem; }
    .form-header-demande h2 { font-size: 2rem; }
    .demande-credit-form   { padding: 2rem 1.5rem; }
    .form-section-demande  { margin-bottom: 2.5rem; }
    .form-section-demande h3 { font-size: 1.4rem; }
    .form-group input,
    .form-group select,
    .form-group textarea   { padding: 1.15rem 1.25rem; font-size: 1rem; }
    .btn-submit-demande    { padding: 1.5rem 2rem; font-size: 1.1rem; }
}

@media (max-width: 480px) {
    .form-header-demande { padding: 2rem 1rem; }
    .demande-credit-form { padding: 1.5rem 1rem; }
    .preview-item strong { font-size: 1.5rem; }
}

/**
 * BRIDGE GROEP — Corrections responsivité homepage
 * À ajouter après les styles existants (ou importer en dernier)
 * Corrige 6 problèmes identifiés sur mobile/tablette
 */

/* ============================================================
   FIX 1 — Hamburger invisible sur header bleu
   .menu-toggle span était bleu sur fond bleu
   ============================================================ */
.menu-toggle span {
    background-color: #ffffff !important;
}

/* ============================================================
   FIX 2 — Overlay menu mobile manquant
   Sans overlay, cliquer à côté ne ferme pas le menu
   ============================================================ */
.nav-overlay {
    display: none;
    position: fixed;
    inset: 0;
    background: rgba(0, 0, 0, 0.45);
    z-index: 999;
}
.nav-overlay.active { display: block; }

/* ============================================================
   FIX 3 — Hero : padding, stats grid, boutons CTA
   Tous en inline styles → on surcharge via classes ajoutées
   ============================================================ */

/* Stats hero — 3 cols → 1 col sur mobile */
.hero-stats-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
    max-width: 700px;
    margin: 0 auto;
}

/* CTA buttons — colonne sur petit écran */
.hero-cta-group {
    display: flex;
    gap: 1.25rem;
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: 4rem;
}

/* ============================================================
   FIX 4 — Simulateur : card padding + label "maanden"
   ============================================================ */
.simulator-card {
    max-width: 820px;
    margin: 0 auto;
    background: rgba(255,255,255,0.10);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border: 1px solid rgba(255,255,255,0.20);
    border-radius: 24px;
    padding: 2.5rem 3rem;
    box-shadow: 0 16px 48px rgba(0,0,0,0.30);
}

/* ============================================================
   FIX 5 — Étapes "Hoe Werkt Het" : layout 2 colonnes figé
   ============================================================ */
.process-step-row {
    display: grid;
    grid-template-columns: 100px 1fr;
    gap: 2rem;
    align-items: center;
}

/* ============================================================
   BREAKPOINTS CORRECTIONS
   ============================================================ */

/* ── Tablette large (≤ 1024px) ── */
@media (max-width: 1024px) {
    .footer-content {
        grid-template-columns: repeat(2, 1fr) !important;
        gap: 2rem !important;
    }
}

/* ── Tablette (≤ 768px) ── */
@media (max-width: 768px) {

    /* Hero — réduction padding */
    section:first-of-type {
        padding: 4rem 0 3rem !important;
        min-height: auto !important;
    }

    /* Hero — stats 3 cols → 1 col */
    .hero-stats-grid,
    section > .container > div[style*="repeat(3, 1fr)"] {
        grid-template-columns: 1fr !important;
        max-width: 320px !important;
    }

    /* Hero — CTA en colonne */
    .hero-cta-group {
        flex-direction: column;
        align-items: center;
    }
    .hero-cta-group a {
        width: 100%;
        max-width: 320px;
        justify-content: center;
    }

    /* Simulateur — padding réduit */
    .simulator-card,
    [style*="padding: 2.5rem 3rem"] {
        padding: 1.75rem 1.25rem !important;
    }

    /* Simulateur — label "maanden" raccourci */
    #duree {
        padding-right: 95px !important;
    }

    /* Étapes Hoe Werkt Het — empilement vertical */
    .process-step-row,
    [style*="grid-template-columns: 100px 1fr"] {
        grid-template-columns: 1fr !important;
        text-align: center;
    }
    [style*="grid-template-columns: 100px 1fr"] > div:first-child {
        margin: 0 auto;
    }

    /* Over Ons — stats inline en colonne */
    [style*="display: flex; gap: 2.5rem"] {
        gap: 1.25rem !important;
        flex-wrap: wrap !important;
        justify-content: center;
    }

    /* Résultats simulateur — 1 colonne */
    #mensualite,
    [style*="grid-template-columns: repeat(auto-fit, minmax(180px"] {
        grid-template-columns: 1fr !important;
    }
}

/* ── Mobile (≤ 600px) ── */
@media (max-width: 600px) {

    /* Hero stats — absolument 1 colonne */
    [style*="grid-template-columns: repeat(3, 1fr)"] {
        grid-template-columns: 1fr !important;
    }

    /* Simulateur — label unité en absolu repositionné */
    #duree + span { display: none; }
    #montant + span { right: 10px !important; }

    /* Section padding global réduit */
    section { padding: 3rem 0 !important; }

    /* Hero min-height auto */
    section:first-of-type {
        min-height: auto !important;
        padding: 3.5rem 0 2.5rem !important;
    }

    /* Badge hero + sous-titre centrés */
    .container > div[style*="inline-flex"] {
        font-size: 0.8rem !important;
        padding: 0.4rem 0.875rem !important;
    }
}

/* ── Petit mobile (≤ 480px) ── */
@media (max-width: 480px) {

    /* Simulateur card inputs */
    #montant, #duree {
        font-size: 1.2rem !important;
        padding-right: 40px !important;
    }
    #duree + span { display: none !important; }

    /* Étapes — icône centrée */
    [style*="grid-template-columns: 100px 1fr"] {
        gap: 1rem !important;
    }

    /* Résultats simulateur chiffres */
    #mensualite { font-size: 1.75rem !important; }
    #coutTotal, #taeg { font-size: 1.4rem !important; }

    /* Bouton simulateur full width */
    #simulatie a[style*="inline-flex"] {
        width: 100% !important;
        justify-content: center !important;
    }

    /* Over Ons chiffres stats */
    [style*="font-size: 2.5rem; font-weight: 800; color: #1E3A8A"] {
        font-size: 2rem !important;
    }
}

/* ============================================================
   FIX GLOBAL — overflow horizontal garanti
   ============================================================ */
html, body {
    overflow-x: hidden;
}

* {
    min-width: 0; /* évite les débordements dans les grilles CSS */
}