/* ==========================================================================
   CréditNova — Design system
   ========================================================================== */

:root {
  /* Multi-color brand palette */
  --blue: #3B82F6;
  --blue-dark: #2563EB;
  --purple: #6D5EF5;
  --purple-dark: #5B4BE0;
  --orange: #F97316;
  --orange-dark: #EA580C;
  --green: #10B981;
  --pink: #F43F5E;

  --ink-900: #12172B;
  --ink-800: #1E2440;
  --ink-600: #4B5268;
  --ink-400: #8B90A6;
  --ink-200: #E4E6EF;
  --ink-100: #F1F2F8;
  --white: #FFFFFF;

  --grad-primary: linear-gradient(135deg, var(--purple) 0%, var(--blue) 55%, var(--orange) 100%);
  --grad-cta: linear-gradient(135deg, var(--orange) 0%, var(--pink) 100%);
  --grad-soft: linear-gradient(135deg, rgba(109,94,245,0.08), rgba(59,130,246,0.08));

  --shadow-sm: 0 2px 8px rgba(18,23,43,0.06);
  --shadow-md: 0 8px 24px rgba(18,23,43,0.08);
  --shadow-lg: 0 20px 48px rgba(18,23,43,0.14);
  --shadow-cta: 0 12px 28px rgba(249,115,22,0.35);

  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --radius-pill: 999px;

  --font-heading: 'Poppins', 'Segoe UI', sans-serif;
  --font-body: 'Inter', 'Segoe UI', sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--ink-800);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

a { text-decoration: none; color: inherit; }

ul { list-style: none; }

h1, h2, h3, h4 { font-family: var(--font-heading); color: var(--ink-900); line-height: 1.2; }

.container {
  width: 100%;
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}

.container-narrow { max-width: 780px; }

.accent-text { background: var(--grad-primary); -webkit-background-clip: text; background-clip: text; color: transparent; }

.text-gradient { background: var(--grad-primary); -webkit-background-clip: text; background-clip: text; color: transparent; }

/* ===================== Buttons ===================== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 26px;
  border-radius: var(--radius-pill);
  font-weight: 600;
  font-size: 0.95rem;
  border: none;
  cursor: pointer;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }

.btn-primary {
  background: var(--ink-900);
  color: var(--white);
}
.btn-primary:hover { background: var(--purple-dark); }

.btn-ghost {
  background: transparent;
  color: var(--ink-800);
  padding: 13px 18px;
}
.btn-ghost:hover { color: var(--purple); transform: none; }

.btn-cta {
  background: var(--grad-cta);
  color: var(--white);
  box-shadow: var(--shadow-cta);
  padding: 15px 30px;
  font-size: 1rem;
}
.btn-cta:hover { box-shadow: 0 16px 34px rgba(244,63,94,0.4); }
.btn-cta svg { transition: transform 0.2s ease; }
.btn-cta:hover svg { transform: translateX(3px); }

.btn-lg { padding: 17px 38px; font-size: 1.05rem; }

/* ===================== Header ===================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.85);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--ink-200);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
  gap: 24px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.25rem;
  color: var(--ink-900);
  flex-shrink: 0;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 18px;
  flex: 1;
  justify-content: center;
}
.main-nav a {
  font-weight: 500;
  font-size: 0.85rem;
  color: var(--ink-600);
  position: relative;
  padding: 6px 0;
  white-space: nowrap;
  transition: color 0.2s ease;
}
.main-nav a:hover { color: var(--purple); }

.header-actions { display: flex; align-items: center; gap: 8px; }

.burger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.burger span { width: 22px; height: 2px; background: var(--ink-800); border-radius: 2px; }

/* ===================== Hero ===================== */
.hero {
  position: relative;
  overflow: hidden;
  padding: 72px 0 60px;
  background-image: linear-gradient(rgba(255,255,255,0.9), rgba(255,255,255,0.94)), url('https://images.unsplash.com/photo-1551135049-8a33b5883817?q=70&w=1800&auto=format&fit=crop');
  background-size: cover;
  background-position: center;
}

.hero-blob {
  position: absolute;
  border-radius: 50%;
  filter: blur(60px);
  opacity: 0.35;
  z-index: 0;
}
.blob-1 { width: 420px; height: 420px; background: var(--purple); top: -180px; left: -120px; }
.blob-2 { width: 360px; height: 360px; background: var(--orange); bottom: -160px; right: -100px; opacity: 0.25;}
.blob-3 { width: 280px; height: 280px; background: var(--blue); top: 200px; right: 10%; opacity: 0.2; }

.hero-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 48px;
  align-items: center;
}

.badge-pill {
  display: inline-block;
  background: var(--white);
  border: 1px solid var(--ink-200);
  box-shadow: var(--shadow-sm);
  padding: 8px 16px;
  border-radius: var(--radius-pill);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--ink-600);
  margin-bottom: 22px;
}

.hero h1 {
  font-size: clamp(2.2rem, 4vw, 3.1rem);
  font-weight: 700;
  margin-bottom: 20px;
  letter-spacing: -0.5px;
}

.hero-sub {
  font-size: 1.08rem;
  color: var(--ink-600);
  max-width: 520px;
  margin-bottom: 28px;
}

.hero-points { display: flex; flex-direction: column; gap: 12px; margin-bottom: 36px; }
.hero-points li { display: flex; align-items: center; gap: 10px; font-weight: 500; color: var(--ink-800); font-size: 0.98rem; }
.dot { width: 10px; height: 10px; border-radius: 50%; flex-shrink: 0; }
.dot-blue { background: var(--blue); }
.dot-purple { background: var(--purple); }
.dot-orange { background: var(--orange); }

.hero-trust { display: flex; gap: 36px; }
.trust-item { display: flex; flex-direction: column; }
.trust-item strong { font-family: var(--font-heading); font-size: 1.5rem; color: var(--ink-900); }
.trust-item span { font-size: 0.85rem; color: var(--ink-400); }

.hero-visual { position: relative; display: flex; align-items: center; justify-content: center; }
.hero-image-wrap { width: 100%; max-width: 420px; }
.hero-graphic { width: 100%; }

.floating-card {
  position: absolute;
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: 14px 18px;
  z-index: 2;
  animation: float 4s ease-in-out infinite;
}
.card-top { top: 6%; left: -4%; }
.card-bottom { bottom: 8%; right: -6%; animation-delay: 1.2s; }

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

.fc-icon {
  width: 38px; height: 38px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700;
  color: var(--white);
  font-size: 1rem;
  flex-shrink: 0;
}
.fc-green { background: var(--green); }
.fc-purple { background: var(--purple); }

.floating-card strong { display: block; font-size: 0.9rem; color: var(--ink-900); }
.floating-card small { color: var(--ink-400); font-size: 0.78rem; }

/* ===================== Section heading ===================== */
.section-heading { text-align: center; max-width: 640px; margin: 0 auto 48px; }
.section-heading h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); margin: 14px 0 12px; }
.section-heading p { color: var(--ink-600); font-size: 1.02rem; }

.eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 6px 14px;
  border-radius: var(--radius-pill);
}
.eyebrow-blue { background: rgba(59,130,246,0.1); color: var(--blue-dark); }
.eyebrow-purple { background: rgba(109,94,245,0.1); color: var(--purple-dark); }
.eyebrow-orange { background: rgba(249,115,22,0.1); color: var(--orange-dark); }
.eyebrow-white { background: rgba(255,255,255,0.15); color: var(--white); }

.section-heading-light h2 { color: var(--white); }
.section-heading-light p { color: rgba(255,255,255,0.75); }

/* ===================== Crédit (types de prêts) ===================== */
.credit-section {
  padding: 90px 0;
  background-image: linear-gradient(rgba(255,255,255,0.93), rgba(255,255,255,0.96)), url('https://images.unsplash.com/photo-1624555130581-1d9cca783bc0?q=70&w=1800&auto=format&fit=crop');
  background-size: cover;
  background-position: center;
}

.credit-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.credit-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 30px 26px;
  box-shadow: var(--shadow-sm);
  border-top: 4px solid transparent;
  display: flex;
  flex-direction: column;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.credit-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.cc-border-blue { border-top-color: var(--blue); }
.cc-border-purple { border-top-color: var(--purple); }
.cc-border-orange { border-top-color: var(--orange); }
.cc-border-green { border-top-color: var(--green); }
.cc-border-pink { border-top-color: var(--pink); }

.credit-icon {
  width: 52px; height: 52px;
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 18px;
}
.icon-pink { background: rgba(244,63,94,0.1); }

.credit-card h3 { font-size: 1.1rem; margin-bottom: 10px; }
.credit-card p { color: var(--ink-600); font-size: 0.92rem; margin-bottom: 18px; flex: 1; }

.credit-range {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--ink-600);
  background: var(--ink-100);
  padding: 6px 12px;
  border-radius: var(--radius-pill);
  margin-bottom: 16px;
  width: fit-content;
}

.credit-link {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--purple);
  transition: gap 0.2s ease;
}
.credit-link:hover { color: var(--purple-dark); }

/* ===================== Simulator ===================== */
.simulator-section {
  padding: 70px 0 90px;
  background-image: linear-gradient(rgba(241,242,248,0.94), rgba(241,242,248,0.97)), url('https://images.unsplash.com/photo-1688380692117-63178554d76d?q=70&w=1800&auto=format&fit=crop');
  background-size: cover;
  background-position: center;
}

.simulator-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 44px;
  max-width: 980px;
  margin: 0 auto;
}

.simulator-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 44px;
}

.sim-block-head { display: flex; align-items: center; gap: 14px; margin-bottom: 22px; }
.sim-block-head h3 { font-size: 1.15rem; margin-bottom: 2px; }
.sim-block-head p { color: var(--ink-400); font-size: 0.88rem; }

.step-number {
  width: 34px; height: 34px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  font-weight: 700;
  font-family: var(--font-heading);
  flex-shrink: 0;
}
.step-blue { background: var(--grad-primary); }
.step-purple { background: linear-gradient(135deg, var(--purple), var(--pink)); }

.amount-display {
  display: flex;
  align-items: baseline;
  gap: 6px;
  font-family: var(--font-heading);
  font-size: 2.6rem;
  font-weight: 700;
  color: var(--ink-900);
  margin-bottom: 18px;
}
.currency { font-size: 1.6rem; color: var(--purple); font-weight: 600; }
.currency-suffix { order: 2; margin-left: 4px; }

/* Range sliders */
.slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 8px;
  border-radius: var(--radius-pill);
  background: var(--ink-200);
  outline: none;
  margin-bottom: 10px;
  cursor: pointer;
}
.slider-blue { background: linear-gradient(90deg, var(--blue) 0%, var(--ink-200) 0%); }
.slider-purple { background: linear-gradient(90deg, var(--purple) 0%, var(--ink-200) 0%); }

.slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 24px; height: 24px;
  border-radius: 50%;
  background: var(--white);
  border: 4px solid var(--purple);
  box-shadow: var(--shadow-md);
  cursor: pointer;
  transition: transform 0.15s ease;
}
.slider-blue::-webkit-slider-thumb { border-color: var(--blue); }
.slider-purple::-webkit-slider-thumb { border-color: var(--purple); }
.slider::-webkit-slider-thumb:hover { transform: scale(1.12); }

.slider::-moz-range-thumb {
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--white);
  border: 4px solid var(--purple);
  box-shadow: var(--shadow-md);
  cursor: pointer;
}
.slider-blue::-moz-range-thumb { border-color: var(--blue); }
.slider-purple::-moz-range-thumb { border-color: var(--purple); }
.slider::-moz-range-track { height: 8px; border-radius: var(--radius-pill); background: var(--ink-200); }

.range-labels { display: flex; justify-content: space-between; font-size: 0.82rem; color: var(--ink-400); margin-bottom: 22px; }

.quick-chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip {
  padding: 8px 16px;
  border-radius: var(--radius-pill);
  border: 1px solid var(--ink-200);
  background: var(--white);
  color: var(--ink-600);
  font-size: 0.85rem;
  font-weight: 500;
  cursor: pointer;
  transition: all 0.2s ease;
}
.chip:hover { border-color: var(--purple); color: var(--purple); }
.chip.active { background: var(--grad-primary); color: var(--white); border-color: transparent; }

/* Result bar */
.sim-result {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: var(--grad-soft);
  border-radius: var(--radius-md);
  padding: 28px 32px;
  margin-top: 40px;
  flex-wrap: wrap;
  gap: 20px;
}
.result-item { display: flex; flex-direction: column; align-items: flex-start; gap: 4px; }
.result-label { font-size: 0.82rem; color: var(--ink-600); font-weight: 500; }
.result-value { font-family: var(--font-heading); font-size: 2.1rem; font-weight: 700; color: var(--ink-900); }
.result-value-sm { font-size: 1.5rem; }
.result-hint { font-size: 0.78rem; color: var(--ink-400); }
.result-divider { width: 1px; height: 46px; background: var(--ink-200); }

.sim-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  margin-top: 32px;
  flex-wrap: wrap;
}
.disclaimer { font-size: 0.78rem; color: var(--ink-400); max-width: 440px; }

/* ===================== Features ===================== */
.features-section { padding: 90px 0; }

.features-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.feature-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 30px 26px;
  box-shadow: var(--shadow-sm);
  border-top: 4px solid transparent;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.feature-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.fc-border-blue { border-top-color: var(--blue); }
.fc-border-purple { border-top-color: var(--purple); }
.fc-border-orange { border-top-color: var(--orange); }
.fc-border-green { border-top-color: var(--green); }

.feature-icon {
  width: 52px; height: 52px;
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 18px;
}
.icon-blue { background: rgba(59,130,246,0.1); }
.icon-purple { background: rgba(109,94,245,0.1); }
.icon-orange { background: rgba(249,115,22,0.1); }
.icon-green { background: rgba(16,185,129,0.1); }

.feature-card h3 { font-size: 1.1rem; margin-bottom: 10px; }
.feature-card p { color: var(--ink-600); font-size: 0.92rem; }

/* ===================== Steps ===================== */
.steps-section {
  padding: 90px 0;
  background-image: linear-gradient(135deg, rgba(18,23,43,0.93) 0%, rgba(42,30,92,0.9) 55%, rgba(30,36,64,0.93) 100%), url('https://images.unsplash.com/photo-1504384308090-c894fdcc538d?q=70&w=1800&auto=format&fit=crop');
  background-size: cover;
  background-position: center;
  position: relative;
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.step-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  padding: 30px 24px;
  text-align: left;
}
.step-card h3 { color: var(--white); font-size: 1.1rem; margin: 14px 0 8px; }
.step-card p { color: rgba(255,255,255,0.65); font-size: 0.9rem; }

.step-badge {
  display: inline-flex;
  align-items: center; justify-content: center;
  width: 40px; height: 40px;
  border-radius: 50%;
  font-family: var(--font-heading);
  font-weight: 700;
  color: var(--white);
  font-size: 1.05rem;
}
.step-badge-1 { background: var(--blue); }
.step-badge-2 { background: var(--purple); }
.step-badge-3 { background: var(--orange); }
.step-badge-4 { background: var(--green); }

/* ===================== À propos ===================== */
.about-section {
  padding: 90px 0;
  background-image: linear-gradient(rgba(255,255,255,0.93), rgba(255,255,255,0.96)), url('https://images.unsplash.com/photo-1572021335469-31706a17aaef?q=70&w=1800&auto=format&fit=crop');
  background-size: cover;
  background-position: center;
}

.about-inner {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 56px;
  align-items: center;
}

.about-copy .eyebrow { margin-bottom: 14px; }
.about-copy h2 { font-size: clamp(1.7rem, 3vw, 2.2rem); margin-bottom: 18px; }
.about-copy p { color: var(--ink-600); font-size: 1rem; margin-bottom: 16px; }

.about-stats { display: flex; gap: 32px; margin-top: 24px; flex-wrap: wrap; }
.about-stat { display: flex; flex-direction: column; }
.about-stat strong { font-family: var(--font-heading); font-size: 1.6rem; color: var(--ink-900); }
.about-stat span { font-size: 0.85rem; color: var(--ink-400); }

.about-visual {
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.about-visual-card {
  display: flex;
  align-items: center;
  gap: 14px;
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
  padding: 20px 24px;
}
.about-visual-card strong { display: block; font-size: 0.95rem; color: var(--ink-900); }
.about-visual-card small { color: var(--ink-400); font-size: 0.8rem; }
.about-card-2 { margin-left: 36px; }

/* ===================== Contact ===================== */
.contact-section {
  padding: 90px 0;
  background-image: linear-gradient(rgba(241,242,248,0.94), rgba(241,242,248,0.97)), url('https://images.unsplash.com/photo-1556742049-0cfed4f6a45d?q=70&w=1800&auto=format&fit=crop');
  background-size: cover;
  background-position: center;
}

.contact-grid {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 40px;
  max-width: 980px;
  margin: 0 auto;
  align-items: start;
}

.contact-info { display: flex; flex-direction: column; gap: 22px; }
.contact-info-item { display: flex; align-items: flex-start; gap: 14px; }
.contact-icon {
  width: 44px; height: 44px;
  border-radius: var(--radius-sm);
  background: var(--white);
  box-shadow: var(--shadow-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.contact-info-item strong { display: block; font-size: 0.9rem; color: var(--ink-900); margin-bottom: 2px; }
.contact-info-item span { font-size: 0.88rem; color: var(--ink-600); }

.contact-form {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 32px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.contact-form textarea {
  padding: 12px 14px;
  border: 1.5px solid var(--ink-200);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--ink-900);
  resize: vertical;
}
.contact-form textarea:focus {
  outline: none;
  border-color: var(--purple);
  box-shadow: 0 0 0 3px rgba(109,94,245,0.12);
}
.form-success {
  background: rgba(16,185,129,0.08);
  border: 1px solid rgba(16,185,129,0.25);
  color: var(--green);
  font-size: 0.85rem;
  font-weight: 600;
  padding: 12px 16px;
  border-radius: var(--radius-sm);
}

/* ===================== Testimonials ===================== */
.testimonials-section {
  padding: 90px 0;
  background-image: linear-gradient(rgba(241,242,248,0.94), rgba(241,242,248,0.97)), url('https://images.unsplash.com/photo-1603714228681-b399854b8f80?q=70&w=1800&auto=format&fit=crop');
  background-size: cover;
  background-position: center;
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 28px;
  box-shadow: var(--shadow-sm);
}
.stars { color: var(--orange); letter-spacing: 2px; margin-bottom: 14px; }
.testimonial-card p { color: var(--ink-800); font-size: 0.95rem; margin-bottom: 22px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.avatar {
  width: 42px; height: 42px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  font-weight: 700;
  font-size: 0.85rem;
  flex-shrink: 0;
}
.avatar-blue { background: var(--blue); }
.avatar-orange { background: var(--orange); }
.avatar-purple { background: var(--purple); }
.testimonial-author strong { display: block; font-size: 0.9rem; }
.testimonial-author small { color: var(--ink-400); font-size: 0.8rem; }

/* ===================== FAQ ===================== */
.faq-section { padding: 90px 0; }
.faq-list { display: flex; flex-direction: column; gap: 14px; }
.faq-item {
  background: var(--white);
  border: 1px solid var(--ink-200);
  border-radius: var(--radius-md);
  padding: 20px 24px;
}
.faq-item summary {
  cursor: pointer;
  font-weight: 600;
  color: var(--ink-900);
  font-size: 1rem;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-size: 1.3rem;
  color: var(--purple);
  transition: transform 0.2s ease;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item p { color: var(--ink-600); margin-top: 14px; font-size: 0.92rem; }

/* ===================== Final CTA ===================== */
.final-cta {
  padding: 80px 0;
  background-image: linear-gradient(135deg, rgba(109,94,245,0.88) 0%, rgba(59,130,246,0.85) 55%, rgba(249,115,22,0.85) 100%), url('https://images.unsplash.com/photo-1556742049-0cfed4f6a45d?q=70&w=1800&auto=format&fit=crop');
  background-size: cover;
  background-position: center;
  text-align: center;
}
.final-cta-inner h2 { color: var(--white); font-size: clamp(1.6rem, 3vw, 2.2rem); margin-bottom: 12px; }
.final-cta-inner p { color: rgba(255,255,255,0.85); margin-bottom: 30px; }

/* ===================== Footer ===================== */
.site-footer { background: var(--ink-900); padding: 64px 0 24px; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand .logo { color: var(--white); margin-bottom: 14px; }
.footer-brand p { color: rgba(255,255,255,0.5); font-size: 0.9rem; max-width: 280px; }
.footer-col h4 { color: var(--white); font-size: 0.95rem; margin-bottom: 16px; }
.footer-col a { display: block; color: rgba(255,255,255,0.55); font-size: 0.9rem; margin-bottom: 12px; transition: color 0.2s ease; }
.footer-col a:hover { color: var(--orange); }
.footer-bottom { padding-top: 24px; }
.footer-bottom p { color: rgba(255,255,255,0.4); font-size: 0.8rem; text-align: center; }

/* ===================== Responsive ===================== */
@media (max-width: 980px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-visual { order: -1; max-width: 360px; margin: 0 auto; }
  .simulator-grid { grid-template-columns: 1fr; gap: 36px; }
  .credit-grid { grid-template-columns: repeat(2, 1fr); }
  .features-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 760px) {
  .main-nav {
    display: none;
    position: absolute;
    top: 76px;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    align-items: flex-start;
    gap: 0;
    padding: 8px 24px 20px;
    border-bottom: 1px solid var(--ink-200);
    box-shadow: var(--shadow-md);
  }
  .main-nav.open { display: flex; }
  .main-nav a { width: 100%; padding: 12px 0; border-bottom: 1px solid var(--ink-100); }
  .burger { display: flex; }
  .header-actions .btn-primary { display: none; }
  .hero { padding: 44px 0 40px; }
  .simulator-card { padding: 28px 20px; }
  .sim-result { flex-direction: column; align-items: flex-start; }
  .result-divider { display: none; }
  .sim-footer { flex-direction: column; align-items: stretch; }
  .btn-cta { justify-content: center; }
  .credit-grid { grid-template-columns: 1fr; }
  .features-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-trust { gap: 24px; flex-wrap: wrap; }
}