/* ============================================
   UrgenceCredit.fr — Design System Principal
   Charte graphique Immofinances.net (orange + gris)
   ============================================ */

/* ---- Variables CSS ---- */
:root {
  /* Palette orange/gris — Immofinances */
  --blue-900:  #223344;
  --blue-800:  #4e4e4e;
  --blue-700:  #f25800;
  --blue-500:  #ff882c;
  --blue-400:  #ff882c;
  --blue-100:  #FFEDD5;
  --blue-50:   #FFF7ED;

  --red-600:   #DC2626;
  --red-500:   #E63946;
  --red-400:   #F87171;
  --red-100:   #FEE2E2;

  --orange-500:#ff882c;
  --orange-400:#ff882c;
  --orange-100:#FFEDD5;

  --green-600: #16A34A;
  --green-500: #22C55E;
  --green-100: #DCFCE7;

  --teal-500:  #457e7b;
  --teal-100:  #93b4b6;

  --gray-900:  #111827;
  --gray-800:  #1F2937;
  --gray-700:  #374151;
  --gray-600:  #4B5563;
  --gray-500:  #6B7280;
  --gray-400:  #9CA3AF;
  --gray-300:  #D1D5DB;
  --gray-200:  #E5E7EB;
  --gray-100:  #F3F4F6;
  --gray-50:   #F9FAFB;
  --white:     #FFFFFF;

  /* Couleurs fonctionnelles */
  --primary:        #ff882c;
  --primary-dark:   #f25800;
  --primary-light:  #ff882c;
  --accent:         #ff882c;
  --accent-dark:    #f25800;
  --success:        var(--green-600);
  --warning:        var(--orange-500);
  --text-dark:      var(--gray-900);
  --text-medium:    var(--gray-700);
  --text-light:     var(--gray-500);
  --bg-light:       #f7f4f1;
  --bg-white:       var(--white);
  --border-color:   var(--gray-200);

  /* Typographie */
  --font-heading: 'Poppins', sans-serif;
  --font-body:    'Inter', 'Poppins', sans-serif;

  /* Espacements */
  --section-py: 80px;
  --container-max: 1200px;
  --gap: 32px;

  /* Ombres */
  --shadow-sm:  0 1px 3px rgba(0,0,0,.08);
  --shadow-md:  0 4px 16px rgba(0,0,0,.12);
  --shadow-lg:  0 8px 32px rgba(0,0,0,.15);
  --shadow-xl:  0 16px 48px rgba(0,0,0,.20);

  /* Rayons */
  --radius-sm:  6px;
  --radius-md:  12px;
  --radius-lg:  20px;
  --radius-xl:  32px;
  --radius-full:9999px;

  /* Transitions */
  --transition: 0.25s ease;
  --transition-slow: 0.4s ease;
}

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
}

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

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; transition: color var(--transition); }
ul, ol { list-style: none; }
button { cursor: pointer; font-family: inherit; border: none; background: none; }
input, select, textarea { font-family: inherit; }

::selection { background: var(--orange-500); color: var(--white); }

/* ---- Layout ---- */
.container {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: var(--section-py) 0; }
.section-sm { padding: 48px 0; }
.section-lg { padding: 100px 0; }

.bg-light    { background: var(--bg-light); }
.bg-primary  { background: var(--primary); }
.bg-gradient { background: linear-gradient(135deg, var(--blue-900) 0%, #3D3D52 50%, var(--orange-500) 100%); }

/* ---- Barre urgence top ---- */
.urgency-bar {
  background: linear-gradient(90deg, var(--primary-dark), var(--primary));
  color: var(--white);
  padding: 10px 0;
  font-size: .875rem;
  position: relative;
  z-index: 1000;
  text-align: center;
}
.urgency-bar .container {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
}
.pulse-dot {
  width: 8px; height: 8px;
  background: #fff;
  border-radius: 50%;
  animation: pulseDot 1.5s infinite;
  flex-shrink: 0;
}
@keyframes pulseDot {
  0%,100%{ opacity:1; transform:scale(1); }
  50%{ opacity:.5; transform:scale(1.4); }
}
.btn-urgency {
  background: var(--white);
  color: var(--primary-dark);
  padding: 4px 16px;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: .8rem;
  transition: var(--transition);
}
.btn-urgency:hover { background: var(--orange-100); }
.urgency-close {
  position: absolute; right: 12px; top: 50%; transform: translateY(-50%);
  color: rgba(255,255,255,.7); font-size: 18px; line-height: 1; background: none; border: none; cursor: pointer;
  transition: color var(--transition);
}
.urgency-close:hover { color: var(--white); }

/* ---- Header ---- */
.site-header {
  position: sticky; top: 0; z-index: 900;
  background: var(--white);
  border-bottom: 2px solid var(--blue-100);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition-slow);
}
.site-header.scrolled { box-shadow: var(--shadow-md); }

.header-inner {
  display: flex;
  align-items: center;
  gap: 24px;
  height: 72px;
}

.logo { flex-shrink: 0; transition: opacity var(--transition); }
.logo:hover { opacity: .85; }

/* Nav */
.main-nav { flex: 1; }
.main-nav ul {
  display: flex;
  align-items: center;
  gap: 4px;
}
.main-nav a {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  font-weight: 500;
  font-size: .9rem;
  color: var(--text-medium);
  transition: var(--transition);
  white-space: nowrap;
}
.main-nav a:hover, .main-nav a.active {
  color: var(--primary);
  background: var(--blue-50);
}
.main-nav a.active { font-weight: 600; }

.badge-new {
  background: linear-gradient(135deg, var(--blue-500), var(--teal-500));
  color: #fff;
  font-size: .65rem;
  font-weight: 700;
  padding: 1px 6px;
  border-radius: var(--radius-full);
  text-transform: uppercase;
  letter-spacing: .05em;
}

/* Dropdown */
.has-dropdown { position: relative; }
.dropdown-menu {
  position: absolute; top: calc(100% + 8px); left: 0;
  background: var(--white);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: 8px;
  min-width: 220px;
  opacity: 0; visibility: hidden; transform: translateY(-8px);
  transition: all var(--transition);
  z-index: 100;
}
.has-dropdown:hover .dropdown-menu {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.dropdown-menu a {
  display: flex; align-items: center; gap: 10px;
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  font-size: .875rem;
  color: var(--text-medium);
}
.dropdown-menu a:hover { color: var(--primary); background: var(--blue-50); }

/* Header CTA */
.header-cta { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.btn-phone {
  display: flex; align-items: center; gap: 6px;
  color: var(--primary); font-weight: 600; font-size: .875rem;
  border: 2px solid var(--blue-100);
  padding: 8px 14px;
  border-radius: var(--radius-full);
  transition: var(--transition);
}
.btn-phone:hover { border-color: var(--primary); background: var(--blue-50); }
.header-btn { padding: 10px 24px !important; font-size: .875rem !important; }

/* Burger */
.burger {
  display: none; flex-direction: column; justify-content: center; gap: 5px;
  width: 40px; height: 40px; padding: 4px; border-radius: var(--radius-sm);
  transition: background var(--transition);
}
.burger:hover { background: var(--gray-100); }
.burger span {
  display: block; height: 2px; background: var(--primary);
  border-radius: 2px; transition: all var(--transition);
}

/* ---- BUTTONS ---- */
.btn-primary {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  color: var(--white) !important;
  padding: 14px 32px;
  border-radius: var(--radius-full);
  font-weight: 700; font-size: 1rem;
  letter-spacing: .01em;
  border: none;
  cursor: pointer;
  box-shadow: 0 4px 16px rgba(249,115,22,.35);
  transition: all var(--transition);
  text-decoration: none;
  white-space: nowrap;
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(249,115,22,.45);
  background: linear-gradient(135deg, var(--primary-dark), #B85500);
}
.btn-primary:active { transform: translateY(0); }

.btn-secondary {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  background: linear-gradient(135deg, var(--blue-800), var(--blue-700));
  color: var(--white) !important;
  padding: 14px 32px;
  border-radius: var(--radius-full);
  font-weight: 700; font-size: 1rem;
  box-shadow: 0 4px 16px rgba(0,0,0,.20);
  transition: all var(--transition);
  text-decoration: none;
  white-space: nowrap;
}
.btn-secondary:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,.30); }

.btn-outline {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  background: transparent;
  color: var(--primary) !important;
  padding: 13px 31px;
  border-radius: var(--radius-full);
  font-weight: 600; font-size: 1rem;
  border: 2px solid var(--primary);
  transition: all var(--transition);
  text-decoration: none;
}
.btn-outline:hover { background: var(--primary); color: var(--white) !important; }

.btn-white {
  background: var(--white);
  color: var(--primary) !important;
  padding: 14px 32px;
  border-radius: var(--radius-full);
  font-weight: 700; font-size: 1rem;
  box-shadow: var(--shadow-md);
  transition: all var(--transition);
  display: inline-flex; align-items: center; gap: 8px;
}
.btn-white:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }

.btn-sm  { padding: 8px 20px !important; font-size: .8rem !important; }
.btn-lg  { padding: 18px 48px !important; font-size: 1.1rem !important; }
.btn-full{ width: 100%; }

/* ---- HERO ---- */
.hero {
  background: linear-gradient(135deg, var(--blue-900) 0%, var(--blue-800) 40%, var(--blue-700) 100%);
  color: var(--white);
  padding: 80px 0 60px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.2);
  color: rgba(255,255,255,.9);
  padding: 6px 16px; border-radius: var(--radius-full);
  font-size: .8rem; font-weight: 600; letter-spacing: .05em;
  margin-bottom: 20px; text-transform: uppercase;
}
.hero h1 {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 20px;
}
.hero h1 .highlight {
  background: linear-gradient(135deg, #FCD34D, #ff882c);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero-desc {
  font-size: 1.1rem;
  color: rgba(255,255,255,.85);
  line-height: 1.7;
  margin-bottom: 32px;
}
.hero-stats {
  display: flex; gap: 32px; margin-bottom: 36px; flex-wrap: wrap;
}
.hero-stat strong {
  display: block; font-size: 1.8rem; font-weight: 800;
  background: linear-gradient(135deg, #FCD34D, #ff882c);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero-stat span { font-size: .8rem; color: rgba(255,255,255,.7); }
.hero-buttons { display: flex; gap: 16px; flex-wrap: wrap; align-items: center; }
.hero-trust {
  display: flex; align-items: center; gap: 8px; margin-top: 20px;
  font-size: .8rem; color: rgba(255,255,255,.65);
}
.hero-trust svg { color: #FCD34D; }

/* Carte hero droite */
.hero-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 36px;
  box-shadow: var(--shadow-xl);
  color: var(--text-dark);
}
.hero-card h3 {
  font-family: var(--font-heading);
  font-size: 1.3rem; font-weight: 700;
  color: var(--primary);
  margin-bottom: 24px;
  text-align: center;
}
.hero-card .form-group { margin-bottom: 16px; }
.hero-card label {
  display: block; font-size: .8rem; font-weight: 600;
  color: var(--text-medium); margin-bottom: 6px; text-transform: uppercase; letter-spacing: .05em;
}
.hero-card input, .hero-card select {
  width: 100%; padding: 12px 16px;
  border: 2px solid var(--border-color);
  border-radius: var(--radius-md); font-size: .95rem;
  transition: border-color var(--transition);
  background: var(--white);
}
.hero-card input:focus, .hero-card select:focus {
  outline: none; border-color: var(--primary);
}
.hero-result-box {
  background: var(--blue-50); border-radius: var(--radius-md);
  padding: 16px; margin: 20px 0; text-align: center; display: none;
}
.hero-result-box.visible { display: block; animation: fadeInUp .4s ease; }
.hero-result-box .result-label { font-size: .8rem; color: var(--text-light); font-weight: 500; }
.hero-result-box .result-value { font-size: 2rem; font-weight: 800; color: var(--primary); line-height: 1.2; }
.hero-result-box .result-economy { font-size: .85rem; color: var(--success); font-weight: 600; }
.hero-card .btn-primary { width: 100%; margin-top: 4px; }
.hero-card .security-note {
  text-align: center; font-size: .75rem; color: var(--text-light); margin-top: 12px;
  display: flex; align-items: center; justify-content: center; gap: 4px;
}

/* ---- Sections Titres ---- */
.section-header { text-align: center; margin-bottom: 56px; }
.section-label {
  display: inline-block;
  background: var(--blue-50);
  color: var(--primary); font-size: .8rem; font-weight: 700;
  padding: 6px 16px; border-radius: var(--radius-full);
  text-transform: uppercase; letter-spacing: .08em;
  margin-bottom: 16px;
  border: 1px solid var(--blue-100);
}
.section-title {
  font-family: var(--font-heading);
  font-size: clamp(1.8rem, 3vw, 2.5rem);
  font-weight: 800; color: var(--primary);
  line-height: 1.2; margin-bottom: 16px;
}
.section-subtitle {
  font-size: 1.05rem; color: var(--text-medium);
  max-width: 600px; margin: 0 auto; line-height: 1.7;
}

/* ---- Cards ---- */
.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-slow);
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--blue-200, #BFDBFE);
}
.card-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, var(--blue-800), var(--blue-500));
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; margin-bottom: 20px;
}
.card-title { font-family: var(--font-heading); font-size: 1.15rem; font-weight: 700; color: var(--primary); margin-bottom: 12px; }
.card-text { color: var(--text-medium); font-size: .9rem; line-height: 1.6; }

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

/* ---- Étapes / Processus ---- */
.steps-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; position: relative; }
.step-item { text-align: center; position: relative; }
.step-number {
  width: 64px; height: 64px;
  background: linear-gradient(135deg, var(--blue-800), var(--blue-500));
  color: var(--white); font-size: 1.5rem; font-weight: 800;
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px; position: relative; z-index: 1;
  box-shadow: 0 4px 16px rgba(13,45,107,.3);
}
.step-connector {
  position: absolute; top: 32px; left: calc(50% + 32px); right: calc(-50% + 32px);
  height: 2px; background: linear-gradient(90deg, var(--blue-500), var(--blue-100));
}
.step-title { font-weight: 700; color: var(--primary); margin-bottom: 8px; }
.step-text  { font-size: .875rem; color: var(--text-medium); line-height: 1.5; }

/* ---- Stats / Compteurs ---- */
.stats-bar {
  background: linear-gradient(135deg, var(--blue-900), var(--blue-800));
  color: var(--white); padding: 48px 0;
}
.stats-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; text-align: center; }
.stat-number {
  font-family: var(--font-heading); font-size: 2.5rem; font-weight: 800;
  background: linear-gradient(135deg, #FCD34D, #ff882c);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text; display: block; line-height: 1;
}
.stat-label { font-size: .85rem; color: rgba(255,255,255,.7); margin-top: 6px; }

/* ---- Simulateurs ---- */
.simulator-container {
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  overflow: hidden;
  border: 1px solid var(--border-color);
}
.simulator-tabs {
  display: flex; overflow-x: auto; background: var(--gray-50);
  border-bottom: 1px solid var(--border-color);
  scrollbar-width: none;
}
.simulator-tabs::-webkit-scrollbar { display: none; }
.sim-tab {
  flex: none;
  padding: 16px 24px;
  font-weight: 600; font-size: .875rem;
  color: var(--text-medium);
  border-bottom: 3px solid transparent;
  transition: all var(--transition); white-space: nowrap; cursor: pointer; border: none;
  background: none; position: relative;
}
.sim-tab:hover { color: var(--primary); }
.sim-tab.active { color: var(--primary); border-bottom: 3px solid var(--primary); background: var(--white); }
.sim-tab .tab-icon { font-size: 1.1rem; margin-right: 6px; }

.sim-panel { display: none; padding: 40px; }
.sim-panel.active { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }

.sim-inputs h3, .sim-results h3 {
  font-family: var(--font-heading); font-size: 1.2rem; font-weight: 700;
  color: var(--primary); margin-bottom: 24px;
}
.form-group { margin-bottom: 20px; }
.form-group label {
  display: flex; justify-content: space-between; align-items: center;
  font-size: .8rem; font-weight: 600; color: var(--text-medium);
  text-transform: uppercase; letter-spacing: .05em; margin-bottom: 8px;
}
.form-group label .value-display {
  font-size: .9rem; font-weight: 700; color: var(--primary);
  background: var(--blue-50); padding: 2px 10px; border-radius: var(--radius-full);
}
.form-group input[type="range"] {
  width: 100%; height: 6px; border-radius: 3px; cursor: pointer;
  -webkit-appearance: none; appearance: none;
  background: linear-gradient(90deg, var(--primary) var(--pct,50%), var(--gray-200) var(--pct,50%));
}
.form-group input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 20px; height: 20px;
  background: var(--primary); border-radius: 50%;
  box-shadow: 0 2px 8px rgba(13,45,107,.3); cursor: pointer;
}
.form-group input[type="text"], .form-group input[type="number"],
.form-group select {
  width: 100%; padding: 12px 16px;
  border: 2px solid var(--border-color);
  border-radius: var(--radius-md); font-size: 1rem;
  transition: border-color var(--transition);
}
.form-group input[type="text"]:focus, .form-group input[type="number"]:focus,
.form-group select:focus { outline: none; border-color: var(--primary); }

.credit-row {
  display: grid; grid-template-columns: 1fr 1fr auto;
  gap: 12px; align-items: end; margin-bottom: 12px;
  padding: 16px; background: var(--gray-50); border-radius: var(--radius-md);
  border: 1px solid var(--border-color);
}
.btn-add-credit, .btn-remove-credit {
  padding: 10px 16px; border-radius: var(--radius-sm); font-size: .8rem; font-weight: 600;
}
.btn-add-credit {
  background: var(--blue-50); color: var(--primary);
  border: 1px dashed var(--blue-500); width: 100%; margin-top: 8px;
  transition: var(--transition);
}
.btn-add-credit:hover { background: var(--blue-100); }
.btn-remove-credit { background: var(--red-100); color: var(--red-600); }
.btn-remove-credit:hover { background: var(--red-600); color: var(--white); }

.sim-results { background: var(--blue-50); border-radius: var(--radius-lg); padding: 32px; }
.result-card {
  background: var(--white); border-radius: var(--radius-md);
  padding: 20px; margin-bottom: 16px;
  border: 1px solid var(--border-color);
  display: flex; align-items: center; gap: 16px;
}
.result-card .rc-icon {
  width: 48px; height: 48px; border-radius: var(--radius-md); flex-shrink: 0;
  display: flex; align-items: center; justify-content: center; font-size: 1.3rem;
}
.result-card .rc-value {
  font-family: var(--font-heading); font-size: 1.6rem; font-weight: 800;
  line-height: 1.1;
}
.result-card .rc-label { font-size: .75rem; font-weight: 600; color: var(--text-light); text-transform: uppercase; letter-spacing: .05em; margin-top: 2px; }
.rc-blue  { background: var(--blue-100); color: var(--blue-800); }
.rc-green { background: var(--green-100); color: var(--green-600); }
.rc-orange{ background: var(--orange-100); color: var(--orange-500); }
.rc-red   { background: var(--red-100); color: var(--red-600); }
.rc-teal  { background: var(--teal-100); color: var(--teal-500); }
.rc-value.positive { color: var(--success); }
.rc-value.negative { color: var(--red-600); }

.gauge-wrap { margin: 20px 0; }
.gauge-label { display: flex; justify-content: space-between; font-size: .8rem; font-weight: 600; margin-bottom: 8px; }
.gauge-bar { height: 12px; background: var(--gray-200); border-radius: 6px; overflow: hidden; }
.gauge-fill { height: 100%; border-radius: 6px; transition: width .8s cubic-bezier(.4,0,.2,1); }
.gauge-fill.good    { background: linear-gradient(90deg, var(--green-500), #86EFAC); }
.gauge-fill.warning { background: linear-gradient(90deg, var(--orange-500), #FCA5A5); }
.gauge-fill.danger  { background: linear-gradient(90deg, var(--red-500), #DC2626); }

/* Tableau amortissement */
.amort-table-wrap { overflow-x: auto; border-radius: var(--radius-md); border: 1px solid var(--border-color); }
.amort-table { width: 100%; border-collapse: collapse; font-size: .85rem; }
.amort-table th {
  background: var(--primary); color: var(--white);
  padding: 12px 16px; text-align: left; font-weight: 600; font-size: .8rem; text-transform: uppercase; letter-spacing: .05em;
}
.amort-table td { padding: 10px 16px; border-bottom: 1px solid var(--border-color); }
.amort-table tr:last-child td { border-bottom: none; }
.amort-table tr:nth-child(even) td { background: var(--gray-50); }

/* AI Score */
.ai-score-card {
  background: linear-gradient(135deg, var(--blue-900), var(--blue-800));
  color: var(--white); border-radius: var(--radius-lg); padding: 28px; margin-top: 16px;
}
.ai-score-card h4 { font-size: 1rem; font-weight: 700; margin-bottom: 16px; opacity: .9; }
.score-gauge {
  display: flex; align-items: center; gap: 20px;
}
.score-circle {
  width: 80px; height: 80px; border-radius: 50%; flex-shrink: 0;
  background: conic-gradient(var(--color, #22C55E) var(--pct, 75%), rgba(255,255,255,.1) 0);
  display: flex; align-items: center; justify-content: center;
  position: relative;
}
.score-circle::before {
  content: ''; position: absolute; inset: 8px;
  background: var(--blue-900); border-radius: 50%;
}
.score-value { font-size: 1.4rem; font-weight: 800; position: relative; z-index: 1; }
.score-details { flex: 1; }
.score-label { font-size: .8rem; opacity: .7; margin-bottom: 4px; }
.score-comment { font-size: .875rem; line-height: 1.5; }
.score-reco { font-size: .8rem; background: rgba(255,255,255,.1); border-radius: var(--radius-sm); padding: 10px 14px; margin-top: 12px; border-left: 3px solid #FCD34D; }

/* ---- Blog Cards ---- */
.blog-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: var(--gap); }
.blog-card {
  background: var(--white); border-radius: var(--radius-lg);
  border: 1px solid var(--border-color); overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-slow);
  display: flex; flex-direction: column;
}
.blog-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.blog-card-img {
  aspect-ratio: 16/9; overflow: hidden;
  background: linear-gradient(135deg, var(--blue-800), var(--blue-500));
  display: flex; align-items: center; justify-content: center;
  font-size: 3rem; color: rgba(255,255,255,.4); position: relative;
}
.blog-card-body { padding: 24px; flex: 1; display: flex; flex-direction: column; }
.blog-cat {
  display: inline-block; background: var(--blue-50); color: var(--primary);
  font-size: .75rem; font-weight: 700; padding: 3px 10px;
  border-radius: var(--radius-full); text-transform: uppercase; letter-spacing: .05em; margin-bottom: 12px;
}
.blog-cat.conseil { background: var(--orange-100); color: var(--orange-500); }
.blog-cat.outils  { background: var(--teal-100); color: var(--teal-500); }
.blog-title { font-family: var(--font-heading); font-size: 1.05rem; font-weight: 700; color: var(--primary); margin-bottom: 10px; line-height: 1.35; }
.blog-excerpt { font-size: .875rem; color: var(--text-medium); line-height: 1.6; flex: 1; }
.blog-meta {
  display: flex; align-items: center; gap: 12px;
  margin-top: 20px; padding-top: 16px; border-top: 1px solid var(--border-color);
  font-size: .75rem; color: var(--text-light);
}
.blog-meta .read-more {
  margin-left: auto; color: var(--primary); font-weight: 600;
  display: flex; align-items: center; gap: 4px;
  transition: gap var(--transition);
}
.blog-card:hover .blog-meta .read-more { gap: 8px; }

/* Vidéo blog */
.video-gen-section {
  background: var(--gray-50); border-radius: var(--radius-md); padding: 20px;
  margin-top: 24px; border: 1px solid var(--border-color);
}
.video-gen-section h4 { font-size: .9rem; font-weight: 700; color: var(--primary); margin-bottom: 12px; }
.video-canvas-wrap { position: relative; border-radius: var(--radius-sm); overflow: hidden; }
#videoCanvas { display: block; width: 100%; border-radius: var(--radius-sm); }
.video-controls { display: flex; gap: 8px; margin-top: 12px; flex-wrap: wrap; }
.btn-video {
  display: flex; align-items: center; gap: 6px;
  padding: 8px 16px; border-radius: var(--radius-full);
  font-size: .8rem; font-weight: 600; transition: var(--transition);
}
.btn-video-play { background: var(--blue-800); color: #fff; }
.btn-video-play:hover { background: var(--blue-700); }
.btn-video-dl { background: var(--green-100); color: var(--success); border: 1px solid var(--success); }
.btn-video-dl:hover { background: var(--success); color: #fff; }
.btn-video-share { background: var(--orange-100); color: var(--orange-500); border: 1px solid var(--orange-500); }
.btn-video-share:hover { background: var(--orange-500); color: #fff; }

/* ---- Social Share ---- */
.social-share-bar {
  display: flex; align-items: center; gap: 12px; flex-wrap: wrap;
  padding: 20px; background: var(--gray-50); border-radius: var(--radius-md);
  border: 1px solid var(--border-color); margin: 32px 0;
}
.share-label { font-size: .875rem; font-weight: 600; color: var(--text-medium); }
.share-btn {
  display: flex; align-items: center; gap: 8px;
  padding: 8px 18px; border-radius: var(--radius-full);
  font-size: .8rem; font-weight: 700;
  transition: all var(--transition); color: #fff !important;
  border: none; cursor: pointer;
}
.share-facebook  { background: #1877F2; }
.share-twitter   { background: #000; }
.share-whatsapp  { background: #25D366; }
.share-linkedin  { background: #0A66C2; }
.share-pinterest { background: #E60023; }
.share-email     { background: var(--gray-600); }
.share-btn:hover { transform: translateY(-2px); filter: brightness(1.1); box-shadow: 0 4px 12px rgba(0,0,0,.2); }
.share-count { background: rgba(255,255,255,.25); border-radius: var(--radius-full); padding: 1px 6px; font-size: .7rem; }

/* ---- Témoignages ---- */
.testimonials-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: var(--gap); }
.testi-card {
  background: var(--white); border-radius: var(--radius-lg); padding: 28px;
  border: 1px solid var(--border-color); box-shadow: var(--shadow-sm);
  position: relative; transition: all var(--transition-slow);
}
.testi-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.testi-card::before {
  content: '"'; position: absolute; top: 20px; right: 24px;
  font-size: 5rem; color: var(--blue-100); font-family: Georgia, serif;
  line-height: 1; pointer-events: none;
}
.stars { color: #FCD34D; font-size: 1rem; margin-bottom: 12px; letter-spacing: 2px; }
.testi-text { font-size: .9rem; color: var(--text-medium); line-height: 1.7; margin-bottom: 20px; font-style: italic; }
.testi-author { display: flex; align-items: center; gap: 12px; }
.testi-avatar {
  width: 44px; height: 44px; border-radius: 50%; flex-shrink: 0;
  background: linear-gradient(135deg, var(--blue-800), var(--blue-500));
  display: flex; align-items: center; justify-content: center; color: #fff; font-weight: 700; font-size: 1rem;
}
.testi-name { font-weight: 700; font-size: .875rem; color: var(--primary); }
.testi-detail { font-size: .75rem; color: var(--text-light); }
.testi-economy {
  background: var(--green-100); color: var(--success);
  border-radius: var(--radius-full); padding: 4px 12px;
  font-size: .75rem; font-weight: 700; margin-top: 4px; display: inline-block;
}

/* ---- FAQ / Accordion ---- */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--border-color); }
.faq-question {
  display: flex; align-items: center; justify-content: space-between;
  padding: 20px 0; font-weight: 600; color: var(--primary);
  cursor: pointer; transition: color var(--transition); gap: 16px;
  font-size: 1rem; background: none; width: 100%; text-align: left;
}
.faq-question:hover { color: var(--blue-500); }
.faq-chevron {
  width: 24px; height: 24px; flex-shrink: 0;
  background: var(--blue-50); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  transition: all var(--transition);
}
.faq-chevron svg { width: 12px; height: 12px; transition: transform var(--transition); }
.faq-item.open .faq-chevron { background: var(--primary); }
.faq-item.open .faq-chevron svg { transform: rotate(180deg); color: #fff; }
.faq-answer {
  overflow: hidden; max-height: 0;
  transition: max-height .4s cubic-bezier(.4,0,.2,1), padding .3s ease;
}
.faq-item.open .faq-answer { max-height: 500px; }
.faq-answer-inner { padding-bottom: 20px; font-size: .9rem; color: var(--text-medium); line-height: 1.8; }

/* ---- CTA Section ---- */
.cta-section {
  background: linear-gradient(135deg, var(--red-500), var(--red-600));
  color: var(--white); padding: 72px 0; text-align: center;
}
.cta-section h2 {
  font-family: var(--font-heading); font-size: clamp(1.8rem,3vw,2.5rem); font-weight: 800;
  margin-bottom: 16px;
}
.cta-section p { font-size: 1.1rem; opacity: .9; margin-bottom: 36px; }
.cta-section .btn-white + .btn-outline {
  border-color: rgba(255,255,255,.6); color: var(--white) !important;
}
.cta-section .btn-outline:hover { background: rgba(255,255,255,.2); }
.cta-buttons { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ---- Chatbot IA ---- */
.ai-chatbot {
  position: fixed; bottom: 90px; right: 24px;
  width: 360px; max-height: 520px;
  background: var(--white); border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl); border: 1px solid var(--border-color);
  display: flex; flex-direction: column;
  transform: scale(0.9) translateY(20px); opacity: 0; pointer-events: none;
  transition: all var(--transition-slow); z-index: 800;
}
.ai-chatbot.open { transform: scale(1) translateY(0); opacity: 1; pointer-events: all; }
.chatbot-header {
  display: flex; align-items: center; gap: 12px;
  padding: 16px 20px;
  background: linear-gradient(135deg, var(--blue-900), var(--blue-800));
  color: var(--white); border-radius: var(--radius-xl) var(--radius-xl) 0 0;
}
.chatbot-avatar {
  width: 40px; height: 40px; border-radius: 50%;
  background: rgba(255,255,255,.15);
  display: flex; align-items: center; justify-content: center; font-size: 1.2rem; flex-shrink: 0;
}
.chatbot-header strong { font-size: .9rem; display: block; }
.chatbot-status { font-size: .72rem; opacity: .7; color: #86EFAC; }
.chatbot-close {
  margin-left: auto; color: rgba(255,255,255,.7); font-size: 1.4rem; background: none;
  width: 32px; height: 32px; display: flex; align-items: center; justify-content: center;
  border-radius: 50%; transition: var(--transition);
}
.chatbot-close:hover { background: rgba(255,255,255,.15); color: #fff; }
.chatbot-messages {
  flex: 1; overflow-y: auto; padding: 16px; display: flex; flex-direction: column; gap: 12px;
  min-height: 200px; max-height: 320px;
}
.msg { display: flex; gap: 8px; }
.msg.user { flex-direction: row-reverse; }
.msg-bubble {
  max-width: 85%; padding: 12px 14px; border-radius: 16px; font-size: .875rem; line-height: 1.5;
}
.msg.bot .msg-bubble {
  background: var(--gray-100); color: var(--text-dark);
  border-bottom-left-radius: 4px;
}
.msg.user .msg-bubble {
  background: var(--primary); color: var(--white);
  border-bottom-right-radius: 4px;
}
.msg.typing .msg-bubble { padding: 14px 18px; }
.typing-dots { display: flex; gap: 4px; }
.typing-dots span {
  width: 6px; height: 6px; background: var(--gray-400); border-radius: 50%;
  animation: typing .8s infinite;
}
.typing-dots span:nth-child(2) { animation-delay: .15s; }
.typing-dots span:nth-child(3) { animation-delay: .3s; }
@keyframes typing { 0%,80%,100%{transform:scale(.8);opacity:.5} 40%{transform:scale(1.1);opacity:1} }
.quick-replies { display: flex; flex-direction: column; gap: 6px; margin-top: 10px; }
.quick-replies button {
  background: var(--blue-50); color: var(--primary);
  border: 1px solid var(--blue-100); border-radius: var(--radius-full);
  padding: 6px 12px; font-size: .78rem; font-weight: 600; text-align: left; cursor: pointer;
  transition: var(--transition);
}
.quick-replies button:hover { background: var(--primary); color: #fff; border-color: var(--primary); }
.chatbot-input {
  display: flex; gap: 8px; padding: 12px 16px;
  border-top: 1px solid var(--border-color);
}
.chatbot-input input {
  flex: 1; padding: 10px 16px; border: 2px solid var(--border-color);
  border-radius: var(--radius-full); font-size: .875rem; transition: border-color var(--transition);
}
.chatbot-input input:focus { outline: none; border-color: var(--primary); }
.chatbot-input button {
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--primary); color: #fff;
  display: flex; align-items: center; justify-content: center; transition: var(--transition);
}
.chatbot-input button:hover { background: var(--blue-700); transform: scale(1.05); }
.chatbot-toggle {
  position: fixed; bottom: 24px; right: 24px;
  width: 56px; height: 56px; border-radius: 50%;
  background: linear-gradient(135deg, var(--blue-800), var(--blue-600));
  color: var(--white); box-shadow: var(--shadow-xl);
  display: flex; align-items: center; justify-content: center;
  transition: all var(--transition); z-index: 800;
}
.chatbot-toggle:hover { transform: scale(1.1); }
.chatbot-badge {
  position: absolute; top: -4px; right: -4px;
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--red-500); color: #fff; font-size: .7rem; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  border: 2px solid #fff;
}

/* ---- Formulaire de Contact ---- */
.contact-form { max-width: 680px; margin: 0 auto; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.contact-form .form-group label {
  display: block; font-size: .875rem; font-weight: 600; color: var(--text-medium); margin-bottom: 8px; text-transform: none; letter-spacing: 0;
}
.contact-form input, .contact-form select, .contact-form textarea {
  width: 100%; padding: 14px 18px;
  border: 2px solid var(--border-color);
  border-radius: var(--radius-md); font-size: .95rem;
  background: var(--white); transition: border-color var(--transition);
}
.contact-form input:focus, .contact-form select:focus, .contact-form textarea:focus {
  outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px rgba(13,45,107,.08);
}
.contact-form textarea { min-height: 140px; resize: vertical; }
.form-checkbox { display: flex; gap: 12px; align-items: flex-start; }
.form-checkbox input { width: auto; flex-shrink: 0; margin-top: 3px; }
.form-checkbox label { font-size: .85rem; color: var(--text-medium); font-weight: 400 !important; text-transform: none !important; }
.form-success, .form-error {
  border-radius: var(--radius-md); padding: 20px 24px; margin-top: 20px;
  display: none; align-items: center; gap: 12px;
}
.form-success.visible, .form-error.visible { display: flex; animation: fadeInUp .4s ease; }
.form-success { background: var(--green-100); color: var(--success); border: 1px solid var(--success); }
.form-error   { background: var(--red-100); color: var(--red-600); border: 1px solid var(--red-500); }

/* ---- Footer ---- */
.site-footer { background: var(--blue-900); color: var(--white); }
.footer-top { padding: 72px 0 48px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 48px; }
.footer-col h3 { font-family: var(--font-heading); font-size: 1rem; font-weight: 700; margin-bottom: 20px; color: rgba(255,255,255,.9); }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a { font-size: .875rem; color: rgba(255,255,255,.6); transition: color var(--transition); }
.footer-col ul li a:hover { color: var(--white); }
.footer-logo { display: inline-block; margin-bottom: 20px; }
.brand-col p { font-size: .875rem; color: rgba(255,255,255,.6); line-height: 1.7; margin-bottom: 20px; }
.certif-badges { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 24px; }
.badge-cert {
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.15);
  color: rgba(255,255,255,.8); font-size: .75rem; font-weight: 700;
  padding: 4px 12px; border-radius: var(--radius-full); letter-spacing: .05em;
}
.social-links { display: flex; gap: 10px; }
.social-icon {
  width: 38px; height: 38px; border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  color: var(--white) !important; transition: all var(--transition);
  background: rgba(255,255,255,.08);
}
.social-icon:hover { transform: translateY(-3px); }
.social-icon.facebook:hover  { background: #1877F2; }
.social-icon.twitter:hover   { background: #000; }
.social-icon.linkedin:hover  { background: #0A66C2; }
.social-icon.youtube:hover   { background: #FF0000; }
.social-icon.instagram:hover { background: linear-gradient(135deg,#E1306C,#833AB4); }
.contact-list li { display: flex; gap: 10px; align-items: flex-start; margin-bottom: 12px; font-size: .875rem; color: rgba(255,255,255,.7); }
.contact-list li svg { flex-shrink: 0; margin-top: 2px; opacity: .6; }
.contact-list li a { color: rgba(255,255,255,.7); transition: color var(--transition); }
.contact-list li a:hover { color: var(--white); }
.footer-cta-block { margin-top: 20px; }
.footer-cta-block .btn-primary { font-size: .875rem; padding: 12px 24px; }

.footer-bottom {
  background: rgba(0,0,0,.3);
  padding: 20px 0 16px;
}
.footer-bottom-inner { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px; }
.footer-bottom-inner p { font-size: .8rem; color: rgba(255,255,255,.5); }
.footer-bottom-inner nav { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-bottom-inner nav a { font-size: .8rem; color: rgba(255,255,255,.5); transition: color var(--transition); }
.footer-bottom-inner nav a:hover { color: var(--white); }
.legal-notice { font-size: .72rem; color: rgba(255,255,255,.35); line-height: 1.6; margin-top: 12px; padding-top: 12px; border-top: 1px solid rgba(255,255,255,.08); }

/* ---- Cookies ---- */
.cookie-banner {
  position: fixed; bottom: 0; left: 0; right: 0;
  background: var(--white); border-top: 1px solid var(--border-color);
  box-shadow: 0 -4px 24px rgba(0,0,0,.12);
  z-index: 9000; padding: 20px 24px; display: none;
  animation: slideUp .4s ease;
}
.cookie-banner.show { display: block; }
@keyframes slideUp { from{transform:translateY(100%)} to{transform:translateY(0)} }
.cookie-content { max-width: var(--container-max); margin: 0 auto; display: flex; align-items: center; gap: 24px; flex-wrap: wrap; }
.cookie-text { flex: 1; min-width: 200px; }
.cookie-text strong { font-size: .95rem; font-weight: 700; color: var(--primary); display: block; margin-bottom: 4px; }
.cookie-text p { font-size: .8rem; color: var(--text-medium); }
.cookie-actions { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; }
.cookie-link { font-size: .8rem; color: var(--primary); text-decoration: underline; }

/* ---- Back to top ---- */
.back-to-top {
  position: fixed; bottom: 88px; left: 24px;
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--primary); color: #fff;
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-md); z-index: 700;
  transform: translateY(80px); opacity: 0; pointer-events: none;
  transition: all var(--transition-slow);
}
.back-to-top.visible { transform: translateY(0); opacity: 1; pointer-events: all; }
.back-to-top:hover { background: var(--blue-700); transform: translateY(-2px) !important; }

/* ---- Nav Overlay mobile ---- */
.nav-overlay {
  display: none; position: fixed; inset: 0;
  background: rgba(0,0,0,.5); z-index: 850; backdrop-filter: blur(2px);
}

/* ---- Animations ---- */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(16px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
@keyframes bounceIn {
  0%   { transform: scale(0.3); opacity: 0; }
  50%  { transform: scale(1.05); opacity: 1; }
  100% { transform: scale(1); }
}
.animate-fadeInUp { animation: fadeInUp .6s ease forwards; opacity: 0; }
.animate-delay-1 { animation-delay: .1s; }
.animate-delay-2 { animation-delay: .2s; }
.animate-delay-3 { animation-delay: .3s; }
.animate-delay-4 { animation-delay: .4s; }
[data-aos] { opacity: 0; transform: translateY(24px); transition: all .7s ease; }
[data-aos].aos-animate { opacity: 1; transform: translateY(0); }

/* ---- Guides ---- */
.guide-card {
  background: var(--white); border-radius: var(--radius-lg);
  border: 1px solid var(--border-color); padding: 28px;
  display: flex; gap: 20px; align-items: flex-start;
  transition: all var(--transition-slow);
}
.guide-card:hover { box-shadow: var(--shadow-md); border-color: var(--blue-200, #BFDBFE); transform: translateY(-2px); }
.guide-icon { font-size: 2rem; flex-shrink: 0; line-height: 1; }
.guide-title { font-family: var(--font-heading); font-weight: 700; color: var(--primary); font-size: 1.05rem; margin-bottom: 8px; }
.guide-summary { font-size: .875rem; color: var(--text-medium); line-height: 1.6; margin-bottom: 16px; }
.guide-link { font-size: .875rem; font-weight: 700; color: var(--primary); display: flex; align-items: center; gap: 4px; transition: gap var(--transition); }
.guide-card:hover .guide-link { gap: 8px; }

/* ---- Breadcrumb ---- */
.breadcrumb { padding: 14px 0; font-size: .85rem; color: var(--text-light); }
.breadcrumb a { color: var(--primary); }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb span { margin: 0 8px; color: var(--gray-300); }

/* ---- Article ---- */
.article-hero {
  background: linear-gradient(135deg, var(--blue-900), var(--blue-800));
  color: var(--white); padding: 60px 0 40px;
}
.article-meta { display: flex; gap: 20px; flex-wrap: wrap; font-size: .8rem; color: rgba(255,255,255,.7); margin-top: 16px; }
.article-body { max-width: 760px; margin: 40px auto 0; font-size: 1.05rem; color: var(--gray-800); line-height: 1.85; }
.article-body h2 { font-family: var(--font-heading); font-size: 1.5rem; font-weight: 700; color: var(--primary); margin: 40px 0 16px; }
.article-body h3 { font-family: var(--font-heading); font-size: 1.2rem; font-weight: 700; color: var(--primary); margin: 28px 0 12px; }
.article-body p { margin-bottom: 20px; }
.article-body ul { margin: 16px 0 20px 24px; list-style: disc; }
.article-body ul li { margin-bottom: 8px; }
.article-body .infobox {
  background: var(--blue-50); border-left: 4px solid var(--primary);
  border-radius: 0 var(--radius-md) var(--radius-md) 0; padding: 20px 24px; margin: 28px 0;
}

/* ---- Notifications ---- */
.toast {
  position: fixed; bottom: 100px; left: 50%; transform: translateX(-50%) translateY(20px);
  background: var(--gray-900); color: #fff;
  padding: 12px 24px; border-radius: var(--radius-full);
  font-size: .875rem; font-weight: 500;
  z-index: 9999; opacity: 0; transition: all var(--transition);
  pointer-events: none; white-space: nowrap;
}
.toast.show { opacity: 1; transform: translateX(-50%) translateY(0); }

/* ---- Print ---- */
@media print {
  .site-header, .urgency-bar, .site-footer, .ai-chatbot, .chatbot-toggle, .back-to-top, .cookie-banner { display: none !important; }
  body { color: #000; background: #fff; }
}

/* ============================================
   RESPONSIVE
   ============================================ */
@media (max-width: 1024px) {
  :root { --section-py: 60px; }
  .grid-4 { grid-template-columns: repeat(2,1fr); }
  .steps-grid { grid-template-columns: repeat(2,1fr); }
  .steps-grid .step-connector { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero { text-align: center; }
  .hero-stats { justify-content: center; }
  .hero-buttons { justify-content: center; }
  .hero-trust { justify-content: center; }
  .stats-grid { grid-template-columns: repeat(2,1fr); }
  .blog-grid { grid-template-columns: repeat(2,1fr); }
  .testimonials-grid { grid-template-columns: repeat(2,1fr); }
  .sim-panel.active { grid-template-columns: 1fr; }
  .main-nav { display: none; }
  .burger { display: flex; }
  .header-cta .btn-phone { display: none; }
}

@media (max-width: 768px) {
  :root { --section-py: 48px; --gap: 20px; }
  .container { padding: 0 16px; }
  .grid-3, .blog-grid, .testimonials-grid { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .ai-chatbot { width: calc(100vw - 24px); right: 12px; bottom: 80px; }
  .hero h1 { font-size: 2rem; }
  .stats-grid { grid-template-columns: repeat(2,1fr); }
  .steps-grid { grid-template-columns: 1fr; }
  .footer-bottom-inner { flex-direction: column; text-align: center; }
  .cta-buttons { flex-direction: column; align-items: center; }
  .sim-panel { padding: 24px; }
  .social-share-bar { flex-direction: column; align-items: flex-start; }
  .credit-row { grid-template-columns: 1fr; }
  .header-btn { display: none; }
  .urgency-bar .btn-urgency { display: none; }
}

@media (max-width: 480px) {
  .hero-stats { gap: 16px; }
  .hero-stat strong { font-size: 1.4rem; }
  .section-title { font-size: 1.6rem; }
}

/* Mobile nav styles */
@media (max-width: 1024px) {
  .main-nav {
    display: flex !important;
    position: fixed; top: 0; right: -100%; bottom: 0;
    width: 300px; background: var(--white);
    padding: 80px 24px 24px; flex-direction: column;
    z-index: 900; transition: right .35s cubic-bezier(.4,0,.2,1);
    box-shadow: -4px 0 24px rgba(0,0,0,.15); overflow-y: auto;
  }
  .main-nav.open { right: 0; }
  .main-nav ul { flex-direction: column; gap: 4px; }
  .main-nav a { font-size: 1rem; padding: 14px 16px; }
  .dropdown-menu {
    position: static; opacity: 1 !important; visibility: visible !important;
    transform: none !important; box-shadow: none; padding: 0 0 0 16px;
    border: none; border-left: 2px solid var(--blue-100);
    display: none;
  }
  .has-dropdown.open .dropdown-menu { display: block; }
  .nav-overlay.show { display: block; }
}