/* ==========================================================================
   48h-Courtage - feuille de styles globale
   Palette : Orange #F07B24 + Navy #1A2540
   Polices : Nunito (titres) + Nunito Sans (texte)
   ========================================================================== */

:root {
  --orange: #F07B24;
  --orange-dark: #D96510;
  --orange-light: #F9A55A;
  --orange-pale: #FEF0E4;
  --navy: #1A2540;
  --navy-light: #2E3D60;
  --white: #FFFFFF;
  --cream: #FEF8F2;
  --gray: #666666;
  --gray-light: #AAAAAA;
  --gray-lighter: #EEEEEE;
  --bg: #FAFAFA;
  --success: #16A34A;
  --error: #DC2626;
  --font-title: 'Nunito', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  --font-body: 'Nunito Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  --shadow: 0 4px 16px rgba(0,0,0,0.08);
  --shadow-hover: 0 8px 28px rgba(240,123,36,0.18);
  --radius: 16px;
  --radius-sm: 10px;
  --radius-lg: 24px;
  --trans: all 0.25s ease;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  background: var(--white);
  color: var(--navy);
  line-height: 1.6;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: var(--orange); text-decoration: none; transition: var(--trans); }
a:hover { color: var(--orange-dark); }
button { cursor: pointer; font-family: inherit; }

/* ── HEADER & NAV ────────────────────────────────────────────────────────── */
.topbar {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  padding: 8px 5%;
  font-size: 0.82rem;
  display: flex;
  justify-content: flex-end;
  gap: 28px;
}
.topbar a {
  color: rgba(255,255,255,0.85);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 600;
}
.topbar a:hover { color: var(--orange-light); }

nav {
  background: var(--white);
  padding: 0 5%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
  position: sticky;
  top: 0;
  z-index: 100;
}
.nav-logo { display: flex; align-items: center; }
.nav-logo img { height: 48px; }
.nav-links { display: flex; align-items: center; gap: 6px; }
.nav-links a {
  color: var(--navy);
  font-weight: 700;
  font-size: 0.92rem;
  padding: 9px 16px;
  border-radius: var(--radius-sm);
  font-family: var(--font-title);
}
.nav-links a:hover { background: var(--orange-pale); color: var(--orange); }
.nav-links a.active { color: var(--orange); }
.nav-cta {
  background: var(--orange) !important;
  color: var(--white) !important;
  padding: 11px 24px !important;
  border-radius: 50px !important;
  font-weight: 800 !important;
  box-shadow: 0 4px 14px rgba(240,123,36,0.35);
}
.nav-cta:hover { background: var(--orange-dark) !important; transform: translateY(-1px); }
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
}
.hamburger span {
  width: 26px;
  height: 2.5px;
  background: var(--navy);
  border-radius: 2px;
  transition: var(--trans);
}
.mobile-menu {
  display: none;
  flex-direction: column;
  background: var(--white);
  border-top: 1px solid var(--gray-lighter);
  padding: 12px 5%;
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  color: var(--navy);
  padding: 14px 0;
  font-weight: 700;
  border-bottom: 1px solid var(--gray-lighter);
  font-family: var(--font-title);
}

/* ── HERO ────────────────────────────────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, #FFF8F2 0%, #FEF0E4 100%);
  padding: 70px 5% 90px;
  position: relative;
  overflow: hidden;
}
/* Filigrane 48h supprimé - utiliser des bulles décoratives explicites à la place */
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 60px;
  align-items: start;
  max-width: 1280px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}
/* Colonne droite : formulaire + simulateur empilés (cartes distinctes) */
.hero-right-col {
  display: flex;
  flex-direction: column;
  gap: 22px;
}
.hero-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--white);
  border: 1.5px solid var(--orange);
  color: var(--orange);
  font-size: 0.78rem;
  font-weight: 800;
  padding: 7px 16px;
  border-radius: 50px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 24px;
  font-family: var(--font-title);
}
.hero-title {
  font-family: var(--font-title);
  font-weight: 900;
  font-size: clamp(2.5rem, 5vw, 4rem);
  color: var(--navy);
  line-height: 1.05;
  margin-bottom: 24px;
  letter-spacing: -0.02em;
}
.hero-title .accent { color: var(--orange); }
.hero-sub {
  font-size: 1.15rem;
  color: var(--gray);
  margin-bottom: 28px;
  max-width: 540px;
  line-height: 1.6;
}
.hero-bullets {
  list-style: none;
  margin-bottom: 32px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.hero-bullets li {
  color: var(--navy);
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1.02rem;
}
.hero-bullets li::before {
  content: '✓';
  width: 26px;
  height: 26px;
  background: var(--orange);
  color: var(--white);
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 900;
  font-size: 0.85rem;
  flex-shrink: 0;
}
.hero-cta-row {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  align-items: center;
}
.btn-primary {
  background: var(--orange);
  color: var(--white);
  padding: 16px 32px;
  border-radius: 50px;
  font-family: var(--font-title);
  font-weight: 800;
  font-size: 1rem;
  border: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  box-shadow: 0 6px 20px rgba(240,123,36,0.35);
  transition: var(--trans);
}
.btn-primary:hover {
  background: var(--orange-dark);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 10px 28px rgba(240,123,36,0.45);
}
.btn-secondary {
  background: var(--white);
  color: var(--navy);
  padding: 14px 28px;
  border-radius: 50px;
  font-family: var(--font-title);
  font-weight: 800;
  font-size: 0.95rem;
  border: 2px solid var(--navy);
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: var(--trans);
}
.btn-secondary:hover {
  background: var(--navy);
  color: var(--white);
}

/* ── HERO FORM (qualification rapide) ────────────────────────────────────── */
.hero-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: 0 20px 60px rgba(26,37,64,0.18);
  overflow: hidden;
  position: relative;
  z-index: 2;
}
.hero-form-header {
  background: var(--navy);
  padding: 24px 28px;
}
.hero-form-header h3 {
  color: var(--white);
  font-family: var(--font-title);
  font-weight: 800;
  font-size: 1.1rem;
}
.hero-form-header p {
  color: rgba(255,255,255,0.7);
  font-size: 0.85rem;
  margin-top: 4px;
}
.hero-form-body { padding: 28px; }

/* ── SECTIONS ────────────────────────────────────────────────────────────── */
section { padding: 80px 5%; }
.section-inner { max-width: 1280px; margin: 0 auto; }
.section-header { text-align: center; margin-bottom: 60px; }
.section-badge {
  display: inline-block;
  background: var(--orange-pale);
  color: var(--orange);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 50px;
  font-family: var(--font-title);
  margin-bottom: 16px;
}
.section-title {
  font-family: var(--font-title);
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  font-weight: 900;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 14px;
  letter-spacing: -0.01em;
}
.section-title .accent { color: var(--orange); }
.section-sub {
  color: var(--gray);
  font-size: 1.05rem;
  line-height: 1.7;
  max-width: 640px;
  margin: 0 auto;
}

/* ── SERVICES (3 cards) ──────────────────────────────────────────────────── */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 32px;
}
.service-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px 28px;
  box-shadow: var(--shadow);
  border: 2px solid transparent;
  text-align: center;
  transition: var(--trans);
  display: flex;
  flex-direction: column;
}
.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-hover);
  border-color: var(--orange);
}
.service-icon {
  width: 76px;
  height: 76px;
  background: var(--orange-pale);
  border-radius: var(--radius);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  transition: var(--trans);
}
.service-card:hover .service-icon { background: var(--orange); }
.service-icon svg { width: 36px; height: 36px; transition: var(--trans); }
.service-card:hover .service-icon svg path,
.service-card:hover .service-icon svg circle,
.service-card:hover .service-icon svg polyline,
.service-card:hover .service-icon svg rect,
.service-card:hover .service-icon svg line { stroke: var(--white); }
.service-card h3 {
  font-family: var(--font-title);
  font-weight: 900;
  font-size: 1.25rem;
  color: var(--navy);
  margin-bottom: 12px;
}
.service-card p {
  font-size: 0.95rem;
  color: var(--gray);
  line-height: 1.6;
  margin-bottom: 20px;
  flex: 1;
}
.service-link {
  color: var(--orange);
  font-weight: 800;
  font-family: var(--font-title);
  font-size: 0.9rem;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: var(--trans);
}
.service-link:hover { gap: 12px; }

/* ── 48h CHRONO BAND ─────────────────────────────────────────────────────── */
.chrono-band {
  background: var(--navy);
  padding: 50px 5%;
  text-align: center;
}
.chrono-band h2 {
  font-family: var(--font-title);
  font-weight: 900;
  color: var(--white);
  font-size: clamp(1.5rem, 3vw, 2.2rem);
}
.chrono-band h2 .accent {
  color: var(--orange-light);
  font-size: 1.5em;
  display: inline-block;
  margin: 0 8px;
}

/* ── STORYTELLING ────────────────────────────────────────────────────────── */
.story {
  background: var(--cream);
  padding: 80px 5%;
}
.story-inner {
  max-width: 980px;
  margin: 0 auto;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 48px;
  box-shadow: var(--shadow);
  border-left: 6px solid var(--orange);
}
.story-tag {
  font-family: var(--font-title);
  font-weight: 900;
  color: var(--orange);
  font-size: 1.1rem;
  letter-spacing: 0.1em;
  margin-bottom: 20px;
}
.story-text {
  font-style: italic;
  font-size: 1.2rem;
  line-height: 1.8;
  color: var(--navy);
}
.story-text strong {
  font-style: normal;
  font-weight: 800;
}
.story-author {
  margin-top: 24px;
  font-family: var(--font-title);
  font-weight: 900;
  color: var(--orange);
  letter-spacing: 0.1em;
}

/* ── PROCESS (3 étapes) ──────────────────────────────────────────────────── */
.process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  position: relative;
  margin-top: 40px;
}
.process-grid::before {
  content: '';
  position: absolute;
  top: 50px;
  left: 16.66%;
  width: 66.66%;
  height: 3px;
  background-image: linear-gradient(to right, var(--orange) 50%, transparent 50%);
  background-size: 16px 3px;
  z-index: 0;
}
.process-step { text-align: center; position: relative; z-index: 1; }
.process-num {
  width: 100px;
  height: 100px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--orange-dark), var(--orange-light));
  color: var(--white);
  font-family: var(--font-title);
  font-weight: 900;
  font-size: 2.5rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  box-shadow: 0 8px 24px rgba(240,123,36,0.3);
}
.process-step h3 {
  font-family: var(--font-title);
  font-weight: 900;
  font-size: 1.2rem;
  color: var(--navy);
  margin-bottom: 8px;
}
.process-step h3 .accent { color: var(--orange); }
.process-step p {
  color: var(--gray);
  font-size: 0.95rem;
  line-height: 1.6;
  max-width: 280px;
  margin: 0 auto;
}

/* ── ENGAGEMENT BLOCK ─────────────────────────────────────────────────────── */
.engagement {
  background: var(--cream);
  padding: 70px 5%;
}
.engagement-inner {
  max-width: 980px;
  margin: 0 auto;
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 56px 48px;
  text-align: center;
  border: 6px solid var(--orange);
}
.engagement h2 {
  font-family: var(--font-title);
  font-weight: 900;
  color: var(--white);
  font-size: clamp(1.8rem, 3.5vw, 2.4rem);
  margin-bottom: 16px;
}
.engagement h2 .accent { color: var(--orange-light); }
.engagement p {
  color: rgba(255,255,255,0.85);
  font-size: 1.1rem;
  max-width: 640px;
  margin: 0 auto;
}

/* ── CTA BAND ────────────────────────────────────────────────────────────── */
.cta-band {
  background: linear-gradient(135deg, var(--orange-dark), var(--orange));
  padding: 70px 5%;
  text-align: center;
}
.cta-band h2 {
  font-family: var(--font-title);
  font-weight: 900;
  color: var(--white);
  font-size: clamp(1.8rem, 3.5vw, 2.4rem);
  margin-bottom: 16px;
}
.cta-band p {
  color: rgba(255,255,255,0.95);
  font-size: 1.1rem;
  margin-bottom: 32px;
  max-width: 580px;
  margin-left: auto;
  margin-right: auto;
}
.btn-cta-white {
  background: var(--white);
  color: var(--orange);
  padding: 17px 40px;
  border-radius: 50px;
  font-family: var(--font-title);
  font-weight: 900;
  font-size: 1.05rem;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  box-shadow: 0 8px 28px rgba(0,0,0,0.18);
}
.btn-cta-white:hover {
  color: var(--orange-dark);
  transform: translateY(-2px);
  box-shadow: 0 12px 36px rgba(0,0,0,0.25);
}

/* ── FOOTER ──────────────────────────────────────────────────────────────── */
footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  padding: 64px 5% 28px;
}
.footer-grid {
  max-width: 1280px;
  margin: 0 auto 40px;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
}
.footer-brand img { height: 56px; margin-bottom: 18px; }
.footer-brand p {
  font-size: 0.92rem;
  line-height: 1.7;
  max-width: 320px;
}
.footer-col h4 {
  color: var(--white);
  font-family: var(--font-title);
  font-weight: 800;
  font-size: 0.95rem;
  margin-bottom: 18px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col ul a {
  color: rgba(255,255,255,0.6);
  font-size: 0.92rem;
}
.footer-col ul a:hover { color: var(--orange-light); }
.footer-bottom {
  max-width: 1280px;
  margin: 0 auto;
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: 28px;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  flex-wrap: wrap;
  gap: 16px;
}
.footer-mentions {
  font-size: 0.78rem;
  line-height: 1.7;
  max-width: 720px;
  color: rgba(255,255,255,0.55);
}
.footer-mentions strong { color: rgba(255,255,255,0.8); }
.footer-bottom-links {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}
.footer-bottom-links a {
  color: rgba(255,255,255,0.55);
  font-size: 0.85rem;
  font-weight: 600;
}
.footer-bottom-links a:hover { color: var(--orange-light); }

/* ── FORMULAIRES MULTI-ETAPES ────────────────────────────────────────────── */
.form-page-wrap {
  max-width: 880px;
  margin: 0 auto;
  padding: 60px 5%;
}
.form-page-header {
  text-align: center;
  margin-bottom: 36px;
}
.form-progress {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 0;
  margin-top: 24px;
  flex-wrap: nowrap;
}
/* Layout vertical : bulle au-dessus, libellé en-dessous → évite les chevauchements même avec libellés longs (Co-emprunteur, Financement, Coordonnées…) */
.prog-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  flex: 0 0 auto;
  min-width: 92px;
}
.prog-dot {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--white);
  border: 2.5px solid var(--gray-light);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-family: var(--font-title);
  color: var(--gray-light);
  font-size: 0.9rem;
  transition: var(--trans);
  flex-shrink: 0;
}
.prog-dot.active { border-color: var(--orange); background: var(--orange); color: var(--white); }
.prog-dot.done { border-color: var(--orange); background: var(--orange-pale); color: var(--orange); }
/* Ligne entre étapes : positionnée au centre vertical de la bulle (36/2 - 3/2 ≈ 16-17px) */
.prog-line {
  width: 32px;
  height: 3px;
  background: var(--gray-light);
  margin-top: 17px;
  flex-shrink: 0;
}
.prog-line.done { background: var(--orange); }
.prog-label {
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--gray-light);
  font-family: var(--font-title);
  letter-spacing: 0.04em;
  text-transform: uppercase;
  text-align: center;
  white-space: nowrap;
  line-height: 1.2;
}
.prog-label.active { color: var(--orange); }
.prog-label.done { color: var(--navy); }

.form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: 0 8px 40px rgba(26,37,64,0.12);
  padding: 44px;
}
.form-step { display: none; }
.form-step.active { display: block; animation: fadeIn 0.3s ease; }
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}
.form-step h2 {
  font-family: var(--font-title);
  font-weight: 900;
  color: var(--navy);
  font-size: 1.6rem;
  margin-bottom: 6px;
}
.form-step .step-sub {
  color: var(--gray);
  margin-bottom: 32px;
  font-size: 0.98rem;
}
.field-group { margin-bottom: 22px; }
.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 22px;
}
.field-row-3 {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 16px;
  margin-bottom: 22px;
}
.field-group label {
  display: block;
  font-size: 0.84rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 8px;
  font-family: var(--font-title);
  letter-spacing: 0.02em;
}
.field-group label .req { color: var(--orange); }
.field-group .help {
  display: block;
  font-size: 0.78rem;
  color: var(--gray);
  margin-top: 5px;
  font-style: italic;
}
.field-group input,
.field-group select,
.field-group textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--gray-lighter);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 1rem;
  color: var(--navy);
  background: var(--cream);
  outline: none;
  transition: var(--trans);
}
.field-group input:focus,
.field-group select:focus,
.field-group textarea:focus {
  border-color: var(--orange);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(240,123,36,0.1);
}
.field-group textarea { min-height: 90px; resize: vertical; }
.field-group select {
  appearance: none;
  cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%231A2540' stroke-width='2' fill='none'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  padding-right: 40px;
}

.radio-group {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.radio-group.three { grid-template-columns: 1fr 1fr 1fr; }
.radio-card {
  position: relative;
  border: 2px solid var(--gray-lighter);
  border-radius: var(--radius-sm);
  padding: 14px 18px;
  cursor: pointer;
  background: var(--white);
  transition: var(--trans);
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  color: var(--navy);
  font-family: var(--font-title);
}
.radio-card:hover { border-color: var(--orange); background: var(--orange-pale); }
/* Input visuellement caché mais accessible au clic.
   Technique a11y standard "visually-hidden" : reste focusable et propage les events sur iOS Safari.
   ÉVITER : pointer-events:none ou left:-9999px qui cassent iOS Safari */
.radio-card input {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}
.radio-card { touch-action: manipulation; -webkit-tap-highlight-color: transparent; }
.radio-card input:checked + .radio-label { color: var(--orange); }
.radio-card.checked { border-color: var(--orange); background: var(--orange-pale); color: var(--orange); }
.radio-card .radio-icon {
  width: 28px; height: 28px;
  border-radius: 50%;
  border: 2px solid var(--gray-light);
  position: relative;
  flex-shrink: 0;
}
.radio-card.checked .radio-icon { border-color: var(--orange); }
.radio-card.checked .radio-icon::after {
  content: ''; position: absolute;
  top: 4px; left: 4px;
  width: 16px; height: 16px;
  background: var(--orange);
  border-radius: 50%;
}

.checkbox-group {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-top: 8px;
}
.check-card {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  border: 1.5px solid var(--gray-lighter);
  border-radius: var(--radius-sm);
  cursor: pointer;
  background: var(--white);
  transition: var(--trans);
  font-weight: 600;
  color: var(--navy);
  font-size: 0.95rem;
}
.check-card:hover { border-color: var(--orange); background: var(--orange-pale); }
.check-card input { width: 20px; height: 20px; accent-color: var(--orange); margin: 0; }
.check-card.checked { border-color: var(--orange); background: var(--orange-pale); }

.field-group .pre-icon {
  position: relative;
}
.field-group .pre-icon input {
  padding-left: 44px;
}
.field-group .pre-icon::before {
  content: attr(data-icon);
  position: absolute;
  left: 16px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--gray);
  font-weight: 800;
  z-index: 1;
}
.suffix-euro::after { content: '€'; position: absolute; right: 16px; top: 50%; transform: translateY(-50%); color: var(--gray); font-weight: 800; }

/* Conditional fields */
.cond-field { display: none; }
.cond-field.visible { display: block; animation: fadeIn 0.3s; }

/* Form navigation */
.form-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--gray-lighter);
}
.btn-form-back {
  background: none;
  border: none;
  color: var(--gray);
  font-family: var(--font-title);
  font-weight: 700;
  font-size: 0.95rem;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 10px 16px;
  border-radius: var(--radius-sm);
  transition: var(--trans);
}
.btn-form-back:hover { background: var(--cream); color: var(--navy); }
.btn-form-next {
  background: var(--orange);
  color: var(--white);
  border: none;
  padding: 14px 32px;
  border-radius: 50px;
  font-family: var(--font-title);
  font-weight: 800;
  font-size: 1rem;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  box-shadow: 0 4px 16px rgba(240,123,36,0.35);
  transition: var(--trans);
}
.btn-form-next:hover { background: var(--orange-dark); transform: translateY(-1px); }
.btn-form-submit {
  background: linear-gradient(135deg, var(--orange-dark), var(--orange));
  color: var(--white);
  border: none;
  padding: 16px 40px;
  border-radius: 50px;
  font-family: var(--font-title);
  font-weight: 900;
  font-size: 1.05rem;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  box-shadow: 0 6px 24px rgba(240,123,36,0.4);
  transition: var(--trans);
}

/* Success screen */
.form-success {
  text-align: center;
  padding: 48px 24px;
}
.form-success-icon {
  width: 96px;
  height: 96px;
  border-radius: 50%;
  background: #DCFCE7;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
}
.form-success h2 {
  font-family: var(--font-title);
  font-weight: 900;
  color: var(--navy);
  font-size: 2rem;
  margin-bottom: 12px;
}
.form-success p {
  color: var(--gray);
  font-size: 1.05rem;
  margin-bottom: 28px;
  max-width: 540px;
  margin-left: auto;
  margin-right: auto;
}

/* RGPD checkbox */
.rgpd-block {
  background: var(--orange-pale);
  border-radius: var(--radius-sm);
  padding: 18px 20px;
  margin-top: 24px;
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.rgpd-block input { width: 22px; height: 22px; accent-color: var(--orange); margin-top: 2px; flex-shrink: 0; }
.rgpd-block label { font-size: 0.88rem; line-height: 1.6; color: var(--navy); cursor: pointer; font-weight: 500; }
.rgpd-block label a { color: var(--orange); font-weight: 700; }

/* ── PAGE GENERIQUE (mentions, RGPD, etc.) ───────────────────────────────── */
.page-content {
  max-width: 880px;
  margin: 0 auto;
  padding: 60px 5%;
}
.page-content h1 {
  font-family: var(--font-title);
  font-weight: 900;
  color: var(--navy);
  font-size: 2.4rem;
  margin-bottom: 8px;
  letter-spacing: -0.02em;
}
.page-content .breadcrumb {
  color: var(--gray);
  margin-bottom: 32px;
  font-size: 0.92rem;
}
.page-content h2 {
  font-family: var(--font-title);
  font-weight: 900;
  color: var(--navy);
  font-size: 1.5rem;
  margin: 40px 0 16px;
  border-bottom: 3px solid var(--orange);
  padding-bottom: 8px;
}
.page-content h3 {
  font-family: var(--font-title);
  font-weight: 800;
  color: var(--navy);
  font-size: 1.15rem;
  margin: 28px 0 12px;
}
.page-content p { margin-bottom: 16px; color: var(--navy); line-height: 1.75; }
.page-content ul, .page-content ol { margin: 0 0 20px 24px; }
.page-content li { margin-bottom: 8px; line-height: 1.7; }
.page-content table {
  width: 100%;
  border-collapse: collapse;
  margin: 20px 0;
}
.page-content th, .page-content td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--gray-lighter);
  text-align: left;
  font-size: 0.95rem;
}
.page-content th {
  background: var(--orange-pale);
  color: var(--navy);
  font-family: var(--font-title);
  font-weight: 800;
}

/* ── CALCULATEURS ────────────────────────────────────────────────────────── */
.calculator {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  padding: 40px;
  margin: 32px 0;
}
.calculator h3 {
  font-family: var(--font-title);
  font-weight: 900;
  color: var(--navy);
  font-size: 1.4rem;
  margin-bottom: 24px;
}
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: center;
}
.calc-result {
  background: linear-gradient(135deg, var(--orange-dark), var(--orange));
  color: var(--white);
  padding: 32px;
  border-radius: var(--radius);
  text-align: center;
}
.calc-result-label {
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 8px;
  opacity: 0.95;
}
.calc-result-value {
  font-family: var(--font-title);
  font-weight: 900;
  font-size: 3.2rem;
  letter-spacing: -0.03em;
  line-height: 1;
}
.calc-result-extra {
  margin-top: 16px;
  font-size: 0.9rem;
  opacity: 0.9;
}

/* ── BANDEAU INFOS LEGALES ───────────────────────────────────────────────── */
.legal-notice {
  background: var(--cream);
  padding: 32px 5%;
  border-top: 1px solid var(--gray-lighter);
  text-align: center;
}
.legal-notice p {
  max-width: 980px;
  margin: 0 auto;
  font-size: 0.85rem;
  color: var(--gray);
  line-height: 1.7;
}
.legal-notice strong { color: var(--navy); }

/* ── RESPONSIVE ──────────────────────────────────────────────────────────── */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 48px; }
  .hero-form-card { max-width: 600px; margin: 0 auto; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .calc-grid { grid-template-columns: 1fr; }
}
@media (max-width: 700px) {
  section { padding: 60px 5%; }
  .hero { padding: 50px 5% 70px; }
  .services-grid { grid-template-columns: 1fr; }
  .process-grid { grid-template-columns: 1fr; gap: 40px; }
  .process-grid::before { display: none; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; }
  .field-row, .field-row-3 { grid-template-columns: 1fr; }
  .form-card { padding: 28px 20px; }
  .radio-group, .radio-group.three { grid-template-columns: 1fr; }
  .checkbox-group { grid-template-columns: 1fr; }
  .form-progress { gap: 0; transform: scale(0.85); transform-origin: center; }
  .prog-step { min-width: auto; gap: 0; }
  .prog-line { width: 20px; margin-top: 17px; }
  .prog-label { display: none; }
  .topbar { display: none; }
  .engagement-inner, .story-inner { padding: 32px 24px; }
  /* Grid 2 colonnes inline-style de la page contact → 1 colonne sur mobile */
  section > div[style*="grid-template-columns:1fr 1.5fr"],
  section > div[style*="grid-template-columns: 1fr 1.5fr"] {
    grid-template-columns: 1fr !important;
    gap: 32px !important;
  }
  /* Page article : titres prose adaptés mobile */
  .prose h2 { font-size: 1.4rem; }
  .prose h3 { font-size: 1.15rem; }
  .article-title { font-size: 1.7rem !important; }
  .article-extrait { font-size: 1rem !important; }
}

/* === FIX OVERFLOW HORIZONTAL GLOBAL (mobile) ===
   Empêche tout élément (table large, image, bulle, formulaire min-width) de pousser
   le viewport au-delà de sa largeur. Indispensable pour iPhone qui n'a pas de scroll horizontal. */
html, body { overflow-x: hidden; max-width: 100vw; }
img, video, iframe { max-width: 100%; height: auto; }
table { max-width: 100%; }
/* Tables markdown / contenu prose : scroll-x sur mobile si trop large */
.prose { overflow-x: hidden; }
.prose table {
  display: block;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}
@media (max-width: 700px) {
  .prose table { font-size: 0.85em; }
}


/* ============================================================
   BULLES DÉCORATIVES (fond hero / sections)
   Pour avoir des nuances oranges sans superposer du texte filigrané.
   Utilisation : ajouter .bubble-bg sur la section + 4 div.bubble dedans.
   ============================================================ */
.bubble-bg { position: relative; overflow: hidden; }
.bubble {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
  z-index: 0;
}
.bubble-xl-1 {
  width: 720px; height: 720px;
  background: radial-gradient(circle, rgba(240,123,36,0.08) 0%, rgba(240,123,36,0) 70%);
  top: -240px; right: -180px;
}
.bubble-xl-2 {
  width: 540px; height: 540px;
  background: radial-gradient(circle, rgba(217,101,16,0.10) 0%, rgba(217,101,16,0) 70%);
  bottom: -180px; left: -120px;
}
.bubble-xl-3 {
  width: 380px; height: 380px;
  background: radial-gradient(circle, rgba(249,165,90,0.12) 0%, rgba(249,165,90,0) 70%);
  top: 20%; left: 30%;
}
.bubble-xl-4 {
  width: 220px; height: 220px;
  background: radial-gradient(circle, rgba(240,123,36,0.06) 0%, rgba(240,123,36,0) 70%);
  bottom: 30%; right: 20%;
}
.hero-grid, .section-inner {
  position: relative;
  z-index: 1;
}

/* ============================================================
   TOPBAR ORANGE (variante fond clair)
   ============================================================ */
.topbar-orange {
  background: linear-gradient(90deg, var(--orange-dark), var(--orange));
  color: rgba(255,255,255,0.95);
}
.topbar-orange a { color: white; }
.topbar-orange a:hover { color: var(--cream); text-decoration: underline; }

/* ============================================================
   TÉMOIGNAGES (cartes avec étoiles)
   ============================================================ */
.testimonials { background: var(--white); padding: 80px 5%; }
.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
  max-width: 1280px;
  margin-left: auto;
  margin-right: auto;
}
.testi-card {
  background: var(--cream);
  border-radius: var(--radius);
  padding: 32px 28px;
  border: 1.5px solid transparent;
  transition: var(--trans);
  position: relative;
}
.testi-card:hover {
  border-color: var(--orange);
  transform: translateY(-3px);
  box-shadow: var(--shadow-hover);
}
.testi-stars {
  color: var(--orange);
  font-size: 1.2rem;
  letter-spacing: 3px;
  margin-bottom: 14px;
}
.testi-text {
  color: var(--navy);
  font-size: 0.98rem;
  line-height: 1.7;
  font-style: italic;
  margin-bottom: 22px;
}
.testi-author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.testi-avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--orange-dark), var(--orange-light));
  color: var(--white);
  font-family: var(--font-title);
  font-weight: 900;
  font-size: 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.testi-name {
  font-family: var(--font-title);
  font-weight: 800;
  color: var(--navy);
  font-size: 0.95rem;
}
.testi-loc {
  font-size: 0.82rem;
  color: var(--gray);
}

/* ============================================================
   SIMULATEUR RAPIDE
   ============================================================ */
.simu-section {
  background: var(--bg);
  padding: 80px 5%;
}
.simu-card {
  max-width: 980px;
  margin: 32px auto 0;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  padding: 40px;
  border: 2px solid var(--orange-pale);
}
.simu-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 36px;
  align-items: center;
}
.simu-fields { display: flex; flex-direction: column; gap: 18px; }
.simu-field { }
.simu-field label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-family: var(--font-title);
  font-weight: 800;
  color: var(--navy);
  font-size: 0.92rem;
  margin-bottom: 8px;
}
.simu-field label .val {
  color: var(--orange);
  font-size: 1.1rem;
}
.simu-field input[type="range"] {
  width: 100%;
  -webkit-appearance: none;
  appearance: none;
  height: 6px;
  background: var(--gray-lighter);
  border-radius: 3px;
  outline: none;
}
.simu-field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  background: var(--orange);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(240,123,36,0.4);
}
.simu-field input[type="range"]::-moz-range-thumb {
  width: 22px;
  height: 22px;
  background: var(--orange);
  border-radius: 50%;
  cursor: pointer;
  border: none;
  box-shadow: 0 2px 8px rgba(240,123,36,0.4);
}
.simu-result {
  background: linear-gradient(135deg, var(--orange-dark), var(--orange));
  color: var(--white);
  padding: 32px;
  border-radius: var(--radius);
  text-align: center;
}
.simu-result-label {
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 8px;
  opacity: 0.95;
  font-family: var(--font-title);
}
.simu-result-value {
  font-family: var(--font-title);
  font-weight: 900;
  font-size: 2.6rem;
  letter-spacing: -0.02em;
  line-height: 1;
}
.simu-result-extra {
  margin-top: 18px;
  font-size: 0.88rem;
  opacity: 0.95;
  line-height: 1.6;
}
.simu-cta {
  margin-top: 28px;
  text-align: center;
}
.simu-disclaimer {
  font-size: 0.78rem;
  color: var(--gray);
  text-align: center;
  margin-top: 18px;
  font-style: italic;
}
@media (max-width: 900px) {
  .simu-grid { grid-template-columns: 1fr; }
}


/* ============================================================
   TOPBAR PRO (contenu professionnel : statut + ORIAS)
   ============================================================ */
.topbar-orange.topbar-pro {
  justify-content: space-between;
  font-size: 0.85rem;
  padding: 9px 5%;
}
.topbar-pro .topbar-left { display: flex; gap: 20px; align-items: center; }
.topbar-pro .topbar-left strong { font-weight: 800; }
.topbar-pro .topbar-right { display: flex; gap: 18px; align-items: center; }
.topbar-pro a { display: inline-flex; align-items: center; gap: 5px; }
.topbar-pro .badge {
  background: rgba(255,255,255,0.18);
  padding: 3px 10px;
  border-radius: 50px;
  font-weight: 700;
  font-size: 0.78rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

/* ============================================================
   SIMULATEUR ONGLETS (prêt / assurance)
   ============================================================ */
.simu-tabs {
  display: flex;
  gap: 4px;
  background: var(--cream);
  padding: 6px;
  border-radius: 50px;
  margin: 0 auto 32px;
  width: fit-content;
}
.simu-tab {
  padding: 12px 28px;
  border-radius: 50px;
  font-family: var(--font-title);
  font-weight: 800;
  font-size: 0.95rem;
  color: var(--gray);
  cursor: pointer;
  transition: var(--trans);
  border: none;
  background: transparent;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.simu-tab:hover { color: var(--navy); }
.simu-tab.active {
  background: var(--orange);
  color: white;
  box-shadow: 0 4px 14px rgba(240,123,36,0.35);
}
.simu-pane { display: none; }
.simu-pane.active { display: block; }

/* Fix label simulateur (espacement label/valeur/info) */
.simu-field label {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: baseline;
  gap: 12px;
}
.simu-field label .help-inline {
  grid-column: 1 / -1;
  font-size: 0.75rem;
  color: var(--gray);
  font-weight: 500;
  font-style: italic;
  margin-top: 4px;
}


/* ============================================================
   SIMULATEUR : input number éditable à côté du slider
   ============================================================ */
.simu-field .val-input {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  background: var(--orange-pale);
  border: 1.5px solid var(--orange);
  border-radius: 8px;
  padding: 2px 6px;
}
.simu-field .val-input input {
  width: 90px;
  border: none;
  background: transparent;
  color: var(--orange);
  font-family: var(--font-title);
  font-weight: 800;
  font-size: 1rem;
  text-align: right;
  outline: none;
  padding: 0;
}
.simu-field .val-input input::-webkit-outer-spin-button,
.simu-field .val-input input::-webkit-inner-spin-button {
  -webkit-appearance: none;
  margin: 0;
}
.simu-field .val-input input[type=number] { -moz-appearance: textfield; }
.simu-field .val-input .unit {
  color: var(--orange);
  font-family: var(--font-title);
  font-weight: 800;
  font-size: 0.9rem;
}

/* ============================================================
   SIMULATEUR HERO (compact, version intégrée colonne droite)
   ============================================================ */
.hero-simu-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: 0 20px 60px rgba(26,37,64,0.18);
  overflow: hidden;
  position: relative;
  z-index: 2;
}
.hero-simu-card-header {
  padding: 20px 24px 6px;
  border-bottom: 1px solid var(--gray-lighter);
}
.hero-simu-card-header h3 {
  font-family: var(--font-title);
  font-weight: 800;
  color: var(--navy);
  font-size: 1.05rem;
  margin: 0;
}
.hero-simu-card-header p {
  font-size: 0.8rem;
  color: var(--gray);
  margin: 2px 0 14px;
}
.hero-simu-tabs {
  display: flex;
  background: var(--cream);
  padding: 6px;
  gap: 4px;
  margin: 0 18px 0;
  border-radius: 12px;
  margin-top: -8px;
  position: relative;
  z-index: 1;
}
.hero-simu-tab {
  flex: 1;
  padding: 10px 16px;
  border-radius: 10px;
  font-family: var(--font-title);
  font-weight: 800;
  font-size: 0.85rem;
  color: var(--gray);
  cursor: pointer;
  transition: var(--trans);
  border: none;
  background: transparent;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
}
.hero-simu-tab:hover { color: var(--navy); }
.hero-simu-tab.active {
  background: var(--orange);
  color: white;
  box-shadow: 0 3px 10px rgba(240,123,36,0.35);
}
/* min-height pour absorber la diff. de hauteur entre onglet prêt (3 champs) et assurance (4 champs) */
.hero-simu-body { padding: 18px 20px 20px; min-height: 460px; }
.hero-simu-pane { display: none; }
.hero-simu-pane.active { display: block; animation: hsimFade 0.2s ease; }
@keyframes hsimFade {
  from { opacity: 0; transform: translateY(4px); }
  to { opacity: 1; transform: translateY(0); }
}
.hero-simu-fields { display: flex; flex-direction: column; gap: 14px; }
.hero-simu-field label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-family: var(--font-title);
  font-weight: 800;
  color: var(--navy);
  font-size: 0.82rem;
  margin-bottom: 6px;
  flex-wrap: wrap;
  gap: 4px;
}
.hero-simu-field input[type=range] {
  width: 100%;
  -webkit-appearance: none;
  appearance: none;
  height: 5px;
  background: var(--gray-lighter);
  border-radius: 3px;
  outline: none;
}
.hero-simu-field input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 18px; height: 18px;
  background: var(--orange);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(240,123,36,0.4);
}
.hero-simu-field input[type=range]::-moz-range-thumb {
  width: 18px; height: 18px;
  background: var(--orange);
  border-radius: 50%;
  cursor: pointer;
  border: none;
  box-shadow: 0 2px 6px rgba(240,123,36,0.4);
}
.hero-simu-field .val-input {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  background: var(--orange-pale);
  border: 1.5px solid var(--orange);
  border-radius: 8px;
  padding: 2px 6px;
}
.hero-simu-field .val-input input {
  width: 70px;
  border: none;
  background: transparent;
  color: var(--orange);
  font-family: var(--font-title);
  font-weight: 800;
  font-size: 0.92rem;
  text-align: right;
  outline: none;
  padding: 0;
}
.hero-simu-field .val-input input::-webkit-outer-spin-button,
.hero-simu-field .val-input input::-webkit-inner-spin-button {
  -webkit-appearance: none; margin: 0;
}
.hero-simu-field .val-input input[type=number] { -moz-appearance: textfield; }
.hero-simu-field .val-input .unit {
  color: var(--orange);
  font-family: var(--font-title);
  font-weight: 800;
  font-size: 0.85rem;
}
.hero-simu-result {
  background: linear-gradient(135deg, var(--orange-dark), var(--orange));
  color: var(--white);
  padding: 18px 20px;
  border-radius: 12px;
  margin-top: 14px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  flex-wrap: wrap;
}
.hero-simu-result-text {
  flex: 1;
  min-width: 180px;
}
.hero-simu-result-label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  opacity: 0.9;
  font-family: var(--font-title);
}
.hero-simu-result-value {
  font-family: var(--font-title);
  font-weight: 900;
  font-size: 1.7rem;
  letter-spacing: -0.02em;
  line-height: 1.1;
  margin-top: 2px;
}
.hero-simu-result-extra {
  font-size: 0.78rem;
  opacity: 0.85;
  margin-top: 2px;
}
.hero-simu-cta {
  background: white;
  color: var(--orange);
  padding: 10px 18px;
  border-radius: 50px;
  font-family: var(--font-title);
  font-weight: 800;
  font-size: 0.85rem;
  text-decoration: none;
  white-space: nowrap;
  transition: var(--trans);
}
.hero-simu-cta:hover {
  color: var(--orange-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 14px rgba(0,0,0,0.18);
}

/* ============================================================
   BOUTON CTA SOUS RESULTAT SIMULATEUR (pages services)
   ============================================================ */
.simu-result-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 14px;
  background: white;
  color: var(--orange);
  padding: 10px 22px;
  border-radius: 50px;
  font-family: var(--font-title);
  font-weight: 800;
  font-size: 0.9rem;
  text-decoration: none;
  transition: var(--trans);
  border: 2px solid white;
}
.simu-result-cta:hover {
  background: transparent;
  color: white;
  border-color: white;
}

/* ============================================================
   FORMULAIRE QUALIF HERO - 4 ÉTAPES INLINE
   ============================================================ */

/* Progress bar (header) */
.hf-progress {
  display: flex;
  align-items: center;
  gap: 0;
  margin-top: 18px;
}
.hf-pstep {
  display: flex;
  align-items: center;
  gap: 8px;
  cursor: default;
}
.hf-pstep.clickable { cursor: pointer; }
.hf-pdot {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: rgba(255,255,255,0.15);
  color: rgba(255,255,255,0.6);
  display: flex; align-items: center; justify-content: center;
  font-weight: 900;
  font-family: var(--font-title);
  font-size: 0.85rem;
  border: 2px solid rgba(255,255,255,0.25);
  transition: var(--trans);
}
.hf-pdot.active {
  background: var(--orange);
  color: white;
  border-color: var(--orange);
}
.hf-pdot.done {
  background: var(--orange-light);
  color: white;
  border-color: var(--orange-light);
}
.hf-plabel {
  color: rgba(255,255,255,0.6);
  font-weight: 700;
  font-size: 0.78rem;
  letter-spacing: 0.05em;
  font-family: var(--font-title);
  transition: var(--trans);
}
.hf-plabel.active { color: var(--orange-light); }
.hf-pline {
  flex: 1;
  height: 2px;
  background: rgba(255,255,255,0.18);
  margin: 0 6px;
  min-width: 8px;
}

/* Steps */
.hf-step { display: none; }
.hf-step.active { display: block; animation: hfFade 0.25s ease; }
@keyframes hfFade {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: translateY(0); }
}

.hf-q {
  font-weight: 800;
  color: var(--navy);
  font-family: var(--font-title);
  font-size: 1rem;
  margin-bottom: 6px;
}
.hf-sub {
  font-size: 0.85rem;
  color: var(--gray);
  margin-bottom: 18px;
}

/* Étape 1 : choix projet (cards) */
.hf-choice-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 14px;
}
.hf-choice {
  display: flex; flex-direction: column;
  align-items: center; gap: 10px;
  padding: 22px 14px;
  border: 2px solid var(--gray-lighter);
  border-radius: 14px;
  background: var(--white);
  color: var(--navy);
  cursor: pointer;
  transition: var(--trans);
  font-family: inherit;
}
.hf-choice:hover, .hf-choice.selected {
  border-color: var(--orange);
  background: var(--orange-pale);
  transform: translateY(-1px);
}
.hf-choice-icon {
  width: 56px; height: 56px;
  background: var(--orange-pale);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
}
.hf-choice-label {
  font-weight: 800;
  font-family: var(--font-title);
  font-size: 0.92rem;
  text-align: center;
  line-height: 1.3;
}

.hf-mention {
  font-size: 0.75rem;
  color: var(--gray);
  text-align: center;
  margin-top: 14px;
  font-style: italic;
}

/* Champs (étapes 2, 3, 4) */
.hf-field {
  display: block;
  margin-bottom: 14px;
}
.hf-field > span {
  display: block;
  font-family: var(--font-title);
  font-weight: 700;
  font-size: 0.82rem;
  color: var(--navy);
  margin-bottom: 6px;
}
.hf-field input[type=text],
.hf-field input[type=email],
.hf-field input[type=tel],
.hf-field input[type=number],
.hf-field input[type=date],
.hf-field select {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--gray-lighter);
  border-radius: 10px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--navy);
  background: var(--white);
  transition: var(--trans);
  box-sizing: border-box;
}
.hf-field input:focus, .hf-field select:focus {
  outline: none;
  border-color: var(--orange);
  box-shadow: 0 0 0 3px rgba(240,123,36,0.12);
}
/* Masquer les spinners natifs (boutons ↑↓ Chrome/Safari/Firefox) qui se superposent à mon unité €/ans */
.hf-field input[type=number]::-webkit-outer-spin-button,
.hf-field input[type=number]::-webkit-inner-spin-button {
  -webkit-appearance: none;
  margin: 0;
}
.hf-field input[type=number] { -moz-appearance: textfield; appearance: textfield; }
.hf-row {
  display: grid;
  grid-template-columns: 90px 1fr;
  gap: 10px;
}
.hf-row-2 {
  grid-template-columns: 1fr 1fr;
}
.hf-field textarea {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--gray-lighter);
  border-radius: 10px;
  font-family: var(--font-body);
  font-size: 0.92rem;
  color: var(--navy);
  background: var(--white);
  transition: var(--trans);
  box-sizing: border-box;
  resize: vertical;
  min-height: 60px;
}
.hf-field textarea:focus {
  outline: none;
  border-color: var(--orange);
  box-shadow: 0 0 0 3px rgba(240,123,36,0.12);
}
/* Bloc-titre type "Vous", "Co-emprunteur", "Charges du foyer" */
.hf-block-title {
  font-family: var(--font-title);
  font-weight: 800;
  color: var(--navy);
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin: 16px 0 10px;
  padding-bottom: 6px;
  border-bottom: 1px solid var(--gray-lighter);
}
.hf-block-title:first-child { margin-top: 0; }

/* Toggle co-emprunteur */
.hf-checkbox-toggle {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  background: var(--cream);
  border: 1px solid var(--gray-lighter);
  border-radius: 10px;
  cursor: pointer;
  margin-top: 6px;
  font-size: 0.88rem;
  color: var(--navy);
  font-weight: 600;
  transition: var(--trans);
}
.hf-checkbox-toggle:hover { border-color: var(--orange); }
.hf-checkbox-toggle input { width: 18px; height: 18px; accent-color: var(--orange); cursor: pointer; }

/* Bloc co-emprunteur (apparait/disparait) */
.hf-co-block {
  margin-top: 14px;
  padding: 14px;
  background: var(--orange-pale);
  border-radius: 10px;
  border-left: 3px solid var(--orange);
}
.hf-co-block .hf-block-title {
  margin-top: 0;
  border-bottom-color: rgba(240,123,36,0.25);
  color: var(--orange-dark);
}

/* Bloc conditionnel prêt vs assurance */
.hf-bloc { animation: hfFade 0.25s ease; }
.hf-input-eur {
  position: relative;
  display: block;
}
.hf-input-eur input { padding-right: 64px; }
.hf-unit {
  position: absolute;
  right: 14px; top: 50%;
  transform: translateY(-50%);
  font-family: var(--font-title);
  font-weight: 700;
  color: var(--gray);
  font-size: 0.85rem;
  pointer-events: none;
}

.hf-rgpd {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  margin-top: 10px;
  font-size: 0.78rem;
  color: var(--gray);
  cursor: pointer;
}
.hf-rgpd input { margin-top: 3px; flex-shrink: 0; }
.hf-rgpd a { color: var(--orange); text-decoration: underline; }

/* Navigation buttons */
.hf-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  margin-top: 18px;
}
.hf-btn-back, .hf-btn-next, .hf-btn-submit {
  font-family: var(--font-title);
  font-weight: 800;
  font-size: 0.92rem;
  padding: 12px 22px;
  border-radius: 50px;
  border: none;
  cursor: pointer;
  transition: var(--trans);
}
.hf-btn-back {
  background: transparent;
  color: var(--gray);
  padding: 12px 14px;
}
.hf-btn-back:hover { color: var(--navy); }
.hf-btn-next, .hf-btn-submit {
  background: var(--orange);
  color: white;
  box-shadow: 0 4px 14px rgba(240,123,36,0.3);
}
.hf-btn-next:hover, .hf-btn-submit:hover {
  background: var(--orange-dark);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(240,123,36,0.4);
}

/* Success */
.hf-success {
  text-align: center;
  padding: 16px 8px;
}
.hf-success-icon {
  width: 72px; height: 72px;
  background: var(--orange-pale);
  border-radius: 50%;
  display: inline-flex;
  align-items: center; justify-content: center;
  margin-bottom: 14px;
}
.hf-success h4 {
  font-family: var(--font-title);
  font-weight: 900;
  color: var(--navy);
  font-size: 1.4rem;
  margin: 0 0 8px;
}
.hf-success p {
  color: var(--gray);
  font-size: 0.92rem;
  margin: 0 0 8px;
}
.hf-success-sub {
  font-size: 0.82rem !important;
  margin-top: 14px !important;
}
.hf-success-cta {
  display: inline-block;
  margin-top: 16px;
  background: var(--orange);
  color: white;
  padding: 12px 22px;
  border-radius: 50px;
  text-decoration: none;
  font-family: var(--font-title);
  font-weight: 800;
  font-size: 0.92rem;
  transition: var(--trans);
}
.hf-success-cta:hover {
  background: var(--orange-dark);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(240,123,36,0.4);
}

/* Mobile */
@media (max-width: 600px) {
  .hf-progress { gap: 0; }
  .hf-plabel { display: none; }
  .hf-pline { min-width: 4px; }
  .hf-row { grid-template-columns: 80px 1fr; }
}