/* =====================================================================
   CREDIT ANGEL · Crédit immobilier — maquette orientée conversion
   Layout : hero clair avec le formulaire de demande dans la page (à droite
   sur desktop, en premier sur mobile), barre d'action collante sur mobile,
   sections courtes, une seule action : démarrer / finaliser la demande.
   ===================================================================== */
:root {
    --bg: #FFFFFF;
    --bg-2: #F4F6FA;          /* hero et sections alternées */
    --surface: #FFFFFF;
    --ink: #16213A;           /* navy du logo */
    --ink-2: #4F586C;
    --ink-3: #8A92A6;
    --line: #E3E7EE;
    --navy: #16213A;
    --on-navy: #FFFFFF;
    --on-navy-2: #B7C0D4;
    --cta: #178A5E;           /* vert d'action : boutons principaux */
    --cta-2: #12714D;
    --cta-soft: #E6F4EE;
    --gold: #B8923F;          /* or du logo : rappels de marque */
    --gold-soft: #F7F0DF;
    --danger: #C0392B;
    --shadow: 0 1px 2px rgba(22,33,58,.06), 0 16px 40px -20px rgba(22,33,58,.3);
    --radius: 16px;
    --font: 'Plus Jakarta Sans', 'Segoe UI', Arial, sans-serif;
    color-scheme: light;
}
@media (prefers-color-scheme: dark) {
    :root:not([data-theme="light"]) {
        --bg: #0F1524; --bg-2: #141B2D; --surface: #1A2235; --ink: #EEF1F7; --ink-2: #B0B8C9; --ink-3: #7F889C; --line: #2A3448;
        --navy: #0A0F1C; --on-navy: #FFFFFF; --on-navy-2: #B0B8C9; --cta: #2FB07E; --cta-2: #45C290; --cta-soft: #15302A;
        --gold: #D6B160; --gold-soft: #2A2515; --shadow: 0 1px 2px rgba(0,0,0,.4), 0 16px 40px -20px rgba(0,0,0,.8);
        color-scheme: dark;
    }
}
:root[data-theme="dark"] {
    --bg: #0F1524; --bg-2: #141B2D; --surface: #1A2235; --ink: #EEF1F7; --ink-2: #B0B8C9; --ink-3: #7F889C; --line: #2A3448;
    --navy: #0A0F1C; --on-navy: #FFFFFF; --on-navy-2: #B0B8C9; --cta: #2FB07E; --cta-2: #45C290; --cta-soft: #15302A;
    --gold: #D6B160; --gold-soft: #2A2515; --shadow: 0 1px 2px rgba(0,0,0,.4), 0 16px 40px -20px rgba(0,0,0,.8);
    color-scheme: dark;
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--bg); color: var(--ink); font-family: var(--font); font-size: 16px; line-height: 1.55; -webkit-font-smoothing: antialiased; overflow-x: hidden; }
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; }
h1, h2, h3 { margin: 0; line-height: 1.12; letter-spacing: -0.02em; font-weight: 800; text-wrap: balance; }
h1 { font-size: clamp(1.9rem, 4.2vw, 3rem); }
h2 { font-size: clamp(1.5rem, 2.8vw, 2.1rem); }
h3 { font-size: 1.08rem; font-weight: 700; }
p { margin: 0; }
.container { width: 100%; max-width: 1120px; margin-inline: auto; padding-inline: 20px; }
.eyebrow { display: inline-block; font-size: .74rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); }
.muted { color: var(--ink-2); }
.num { font-variant-numeric: tabular-nums; }

/* Boutons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 14px 22px; border-radius: 12px; border: 1.5px solid transparent; font: 700 1rem var(--font); text-decoration: none; cursor: pointer; white-space: nowrap; transition: background .15s, transform .15s; }
.btn:hover { transform: translateY(-1px); }
.btn:focus-visible { outline: 3px solid var(--cta); outline-offset: 2px; }
.btn-cta { background: var(--cta); color: #fff; }
.btn-cta:hover { background: var(--cta-2); }
.btn-ghost { background: transparent; color: var(--ink); border-color: var(--line); }
.btn-lg { padding: 17px 28px; font-size: 1.05rem; }
.btn-block { width: 100%; }

/* En-tête compact */
.top { background: var(--surface); border-bottom: 1px solid var(--line); position: sticky; top: env(safe-area-inset-top, 0px); z-index: 30; }
.top-in { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding-block: 10px; }
.top-logo { display: flex; flex-direction: column; gap: 1px; text-decoration: none; line-height: 1; }
.top-logo .wordmark { font-weight: 800; font-size: 1.25rem; letter-spacing: .06em; color: var(--ink); white-space: nowrap; }
.top-logo .wordmark b { color: var(--gold); font-weight: 800; }
.top-logo .wordmark-sub { font-size: .66rem; letter-spacing: .08em; text-transform: uppercase; color: var(--ink-2); white-space: nowrap; }
@media (max-width: 420px) { .top-logo .wordmark { font-size: 1.1rem; } .top-logo .wordmark-sub { display: none; } }
.top-right { display: flex; align-items: center; gap: 14px; font-size: .86rem; color: var(--ink-2); }
.top-right .orias { display: inline-flex; align-items: center; gap: 6px; }
.top-right .orias svg { width: 16px; height: 16px; color: var(--cta); }
@media (max-width: 720px) { .top-right .orias span { display: none; } .top-right .btn { padding: 10px 14px; font-size: .9rem; } }

/* Hero : texte + formulaire */
.hero { background: var(--bg-2); padding-block: 40px 56px; }
.hero-in { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 480px); gap: 40px; align-items: start; }
.hero-text { padding-top: 12px; }
.hero h1 { margin-top: 12px; }
.hero h1 span { color: var(--cta); }
.hero-lead { margin-top: 14px; color: var(--ink-2); font-size: 1.08rem; max-width: 30rem; }
.hero-list { list-style: none; margin: 22px 0 0; padding: 0; display: grid; gap: 12px; }
.hero-list li { display: flex; gap: 10px; align-items: flex-start; font-weight: 600; }
.hero-list li i { flex: none; width: 24px; height: 24px; border-radius: 50%; background: var(--cta-soft); color: var(--cta); display: grid; place-items: center; }
.hero-list li i svg { width: 14px; height: 14px; }
.hero-list li small { display: block; font-weight: 500; color: var(--ink-2); font-size: .9rem; }
.hero-trust { margin-top: 26px; padding-top: 18px; border-top: 1px solid var(--line); display: flex; gap: 20px; flex-wrap: wrap; font-size: .82rem; color: var(--ink-2); }
.hero-trust b { color: var(--ink); }
.hello { display: inline-flex; align-items: center; gap: 8px; margin-bottom: 8px; padding: 6px 12px; border-radius: 999px; background: var(--gold-soft); color: var(--ink); font-size: .86rem; font-weight: 700; }
.hello[hidden] { display: none; }
@media (max-width: 900px) {
    .hero { padding-block: 22px 40px; }
    .hero-in { grid-template-columns: 1fr; gap: 24px; }
    .hero-text { order: 2; padding-top: 0; }
    .hero-form { order: 1; }
    .hero-list { display: none; }
}

/* Formulaire de demande (carte) */
.form-card { background: var(--surface); border-radius: var(--radius); box-shadow: var(--shadow); border: 1px solid var(--line); overflow: hidden; }
.form-head { padding: 18px 22px 14px; border-bottom: 1px solid var(--line); }
.form-head h2 { font-size: 1.15rem; }
.form-head p { color: var(--ink-2); font-size: .88rem; margin-top: 4px; }
.prog { display: flex; align-items: center; gap: 12px; margin-top: 12px; }
.prog-bar { flex: 1; height: 6px; background: var(--bg-2); border-radius: 999px; overflow: hidden; }
.prog-bar span { display: block; height: 100%; width: 12.5%; background: var(--cta); transition: width .3s ease; }
.prog-lbl { font-size: .78rem; font-weight: 700; color: var(--ink-2); white-space: nowrap; }
.form-body { padding: 20px 22px 22px; }
.q { display: none; }
.q.active { display: block; }
.q h3 { font-size: 1.18rem; font-weight: 800; letter-spacing: -.01em; }
.q .sub { color: var(--ink-2); font-size: .9rem; margin-top: 6px; }
.q .callout { display: flex; gap: 10px; align-items: flex-start; margin-top: 10px; padding: 12px 14px; border-radius: 12px; background: var(--gold-soft); border: 1.5px solid var(--gold); color: var(--ink); font-size: 1rem; line-height: 1.4; }
.q .callout i { flex: none; width: 26px; height: 26px; border-radius: 50%; background: var(--gold); color: #fff; display: grid; place-items: center; font-style: normal; font-weight: 800; font-size: .95rem; }
.q .callout b { font-size: 1.1rem; }
.tiles { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 16px; }
.tiles.one { grid-template-columns: 1fr; }
.tile { position: relative; }
.tile input { position: absolute; opacity: 0; inset: 0; }
.tile span { display: flex; align-items: center; gap: 10px; min-height: 56px; padding: 12px 14px; border: 1.5px solid var(--line); border-radius: 12px; background: var(--surface); font-weight: 700; font-size: .95rem; cursor: pointer; transition: border-color .15s, background .15s; }
.tile span::before { content: ""; flex: none; width: 18px; height: 18px; border-radius: 50%; border: 2px solid var(--line); }
.tile input:checked + span { border-color: var(--cta); background: var(--cta-soft); }
.tile input:checked + span::before { border-color: var(--cta); background: var(--cta); box-shadow: inset 0 0 0 3px var(--surface); }
.tile input:focus-visible + span { outline: 3px solid var(--cta); outline-offset: 2px; }
.fields { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 16px; }
.fields .full { grid-column: 1 / -1; }
.fields label { display: grid; gap: 5px; font-size: .82rem; font-weight: 700; }
.fields input { padding: 13px 14px; border: 1.5px solid var(--line); border-radius: 12px; font: 500 1rem var(--font); background: var(--surface); color: var(--ink); width: 100%; min-height: 50px; }
.fields input:focus { outline: none; border-color: var(--cta); box-shadow: 0 0 0 3px var(--cta-soft); }
.fields input.bad { border-color: var(--danger); }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: .82rem; font-weight: 500; color: var(--ink-2); }
.consent input { width: 18px; height: 18px; min-height: 0; margin-top: 2px; }
.form-nav { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-top: 18px; flex-wrap: wrap; }
.form-nav .btn { flex: 1 1 auto; }
.form-nav .back { background: none; border: 0; color: var(--ink-2); font: 600 .9rem var(--font); cursor: pointer; padding: 8px 0; }
.form-nav .back:disabled { visibility: hidden; }
.err { display: none; margin-top: 10px; color: var(--danger); font-size: .86rem; font-weight: 600; }
.err.show { display: block; }
.form-foot { padding: 12px 22px 16px; border-top: 1px solid var(--line); font-size: .78rem; color: var(--ink-3); display: flex; gap: 8px; align-items: center; }
.form-foot svg { width: 14px; height: 14px; flex: none; color: var(--cta); }
.done { display: none; text-align: center; padding: 10px 0 6px; }
.done.show { display: block; }
.done .check { width: 60px; height: 60px; border-radius: 50%; background: var(--cta-soft); color: var(--cta); display: grid; place-items: center; margin: 0 auto 14px; font-size: 1.6rem; font-weight: 800; }
.done ol { text-align: left; margin: 16px 0 0; padding-left: 20px; color: var(--ink-2); display: grid; gap: 6px; font-size: .92rem; }
@media (max-width: 480px) { .tiles { grid-template-columns: 1fr; } .fields { grid-template-columns: 1fr; } .form-body, .form-head { padding-inline: 16px; } }

/* Partenaires */
.partners { padding-block: 22px; border-bottom: 1px solid var(--line); }
.partners-in { display: flex; align-items: center; gap: 22px 36px; flex-wrap: wrap; justify-content: center; }
.partners-in > span { font-size: .74rem; font-weight: 800; color: var(--ink-3); letter-spacing: .12em; text-transform: uppercase; }
.plogos { display: flex; gap: 30px; align-items: center; flex-wrap: wrap; justify-content: center; }
.plogos img { height: 34px; width: auto; max-width: 130px; object-fit: contain; filter: grayscale(1); opacity: .85; }

/* Sections */
.section { padding-block: 60px; }
.section-alt { background: var(--bg-2); }
.section-head { max-width: 42rem; margin: 0 auto 32px; text-align: center; display: grid; gap: 10px; }
.section-head p { color: var(--ink-2); font-size: 1.02rem; }

.steps { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; counter-reset: s; }
.step { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; counter-increment: s; }
.step::before { content: counter(s); display: grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; background: var(--navy); color: var(--on-navy); font-weight: 800; margin-bottom: 12px; }
.step p { color: var(--ink-2); font-size: .94rem; margin-top: 6px; }
.step em { display: block; margin-top: 10px; font-style: normal; font-size: .78rem; font-weight: 800; color: var(--cta); text-transform: uppercase; letter-spacing: .06em; }
@media (max-width: 760px) { .steps { grid-template-columns: 1fr; } }

.why { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.why div { text-align: center; padding: 22px 16px; }
.why strong { display: block; font-size: 2.2rem; font-weight: 800; letter-spacing: -.03em; color: var(--ink); }
.why span { color: var(--ink-2); font-size: .94rem; }
@media (max-width: 600px) { .why { grid-template-columns: 1fr; gap: 4px; } .why div { padding: 10px; } }

.assure { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px; }
.assure > div { display: flex; gap: 12px; align-items: flex-start; padding: 16px; background: var(--surface); border: 1px solid var(--line); border-radius: 12px; }
.assure > div > div { min-width: 0; }
.assure svg { width: 22px; height: 22px; flex: none; color: var(--cta); margin-top: 2px; }
.assure b { display: block; font-size: .95rem; }
.assure span { font-size: .84rem; color: var(--ink-2); }
@media (max-width: 860px) { .assure { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .assure { grid-template-columns: 1fr; } }

.faq { max-width: 46rem; margin: 0 auto; }
.faq details { border-bottom: 1px solid var(--line); padding: 14px 0; }
.faq details:first-of-type { border-top: 1px solid var(--line); }
.faq summary { cursor: pointer; font-weight: 700; list-style: none; display: flex; justify-content: space-between; gap: 14px; }
.faq summary::after { content: "+"; color: var(--cta); font-size: 1.3rem; line-height: 1; }
.faq details[open] summary::after { content: "–"; }
.faq details p { margin-top: 8px; color: var(--ink-2); font-size: .94rem; }

.final { background: var(--navy); color: var(--on-navy); }
.final-in { padding-block: 56px; display: grid; gap: 14px; text-align: center; justify-items: center; }
.final p { color: var(--on-navy-2); max-width: 34rem; }

.footer { padding-block: 32px 24px; font-size: .8rem; color: var(--ink-3); }
.footer-in { display: grid; gap: 14px; }
.footer-links { display: flex; gap: 18px; flex-wrap: wrap; font-weight: 600; color: var(--ink-2); }
.footer-links a { text-decoration: none; }

/* Barre d'action collante (mobile uniquement) */
.sticky-cta { position: fixed; left: 0; right: 0; bottom: 0; z-index: 40; padding: 10px 16px calc(10px + env(safe-area-inset-bottom, 0px)); background: var(--surface); border-top: 1px solid var(--line); display: none; }
.sticky-cta.show { display: block; }
@media (min-width: 901px) { .sticky-cta { display: none !important; } }
body.has-sticky { padding-bottom: 76px; }

@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } .btn { transition: none; } }