/* BEST FIRST CREDIT — style.css — Palette : Bleu marine + Or/Ambre */
:root{
  --b1:#0F2756;--b2:#1A4FA0;--b3:#2D6EE8;
  --au:#E8A020;--au2:#F5C842;
  --bl:#EEF4FF;--bd:#07193B;
  --tx:#1A2340;--ts:#4A5575;--tm:#8896B0;
  --wh:#FFFFFF;--card-r:18px;--section-pad:96px 5%;
}
*{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;overflow-x:clip;max-width:100%;}
body{font-family:'Outfit',sans-serif;color:var(--tx);background:#fff;overflow-x:clip;max-width:100%;}
body>*{max-width:100%;}
section,header,footer,.hs,.kt-section,.reviews-section,.cta-band{max-width:100%;overflow-x:hidden;}
.nav{overflow:visible!important;}
a{text-decoration:none;color:inherit;}
img{max-width:100%;display:block;}
ul,ol{list-style:none;}
button{cursor:pointer;border:none;background:none;font-family:inherit;}
h1,h2,h3,h4{font-family:'Outfit',sans-serif;line-height:1.18;}
/* Boutons */
.btn-primary{display:inline-flex;align-items:center;gap:8px;background:var(--au);color:var(--bd);font-weight:700;font-size:.92rem;padding:14px 28px;border-radius:50px;transition:all .22s;white-space:nowrap;}
.btn-primary:hover{background:var(--au2);transform:translateY(-1px);box-shadow:0 8px 24px rgba(232,160,32,.35);}
.btn-outline{display:inline-flex;align-items:center;gap:8px;background:transparent;color:var(--wh);font-weight:600;font-size:.92rem;padding:13px 26px;border-radius:50px;border:2px solid rgba(255,255,255,.45);transition:all .22s;}
.btn-outline:hover{border-color:var(--wh);background:rgba(255,255,255,.1);}
.btn-blue{display:inline-flex;align-items:center;gap:8px;background:var(--b2);color:#fff;font-weight:700;font-size:.92rem;padding:14px 28px;border-radius:50px;transition:all .22s;}
.btn-blue:hover{background:var(--b3);transform:translateY(-1px);box-shadow:0 8px 24px rgba(26,79,160,.35);}
.btn-nav{background:var(--au);color:var(--bd);font-weight:700;font-size:.85rem;padding:10px 22px;border-radius:50px;transition:all .2s;white-space:nowrap;display:inline-block;}
.btn-nav:hover{background:var(--au2);}
/* NAV */
.nav{background:var(--b1);border-bottom:3px solid var(--au);padding:0 5%;display:flex;align-items:center;justify-content:space-between;height:72px;position:sticky;top:0;z-index:9000;transition:box-shadow .3s;}
.nav.scrolled{box-shadow:0 4px 32px rgba(7,25,59,.5);}
.nav-logo img{height:44px;object-fit:contain;}
.nav-links{display:flex;align-items:center;gap:4px;list-style:none;}
.nav-links>li{position:relative;padding-bottom:12px;margin-bottom:-12px;}
.nav-links>li>a{display:flex;align-items:center;gap:5px;font-size:.88rem;font-weight:500;color:rgba(255,255,255,.82);padding:8px 14px;border-radius:4px;transition:color .2s,background .2s;white-space:nowrap;}
.nav-links>li>a:hover,.nav-links>li>a.active{color:var(--au);background:rgba(232,160,32,.1);}
.nav-links>li>a svg{transition:transform .25s;}
.nav-links>li:hover>a svg{transform:rotate(180deg);}
.nav-dropdown{display:none;position:absolute;top:calc(100% - 12px);left:0;background:var(--bd);border:1px solid rgba(255,255,255,.08);border-radius:12px;padding:8px;min-width:210px;box-shadow:0 20px 50px rgba(7,25,59,.6);z-index:9100;}
.nav-links>li:hover>.nav-dropdown{display:block;}
.nav-dropdown li a{display:flex;align-items:center;gap:10px;font-size:.86rem;color:rgba(255,255,255,.78);padding:10px 12px;border-radius:6px;transition:background .2s,color .2s;}
.nav-dropdown li a:hover{background:rgba(232,160,32,.14);color:var(--au);}
.nav-actions{display:flex;align-items:center;gap:12px;}
.burger{display:none;flex-direction:column;gap:5px;padding:6px;}
.burger span{display:block;width:22px;height:2px;background:#fff;border-radius:2px;transition:all .3s;}
.burger.open span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.burger.open span:nth-child(2){opacity:0;}
.burger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}
/* Mobile nav */
.nav-mobile{display:none;position:fixed;inset:0;background:var(--b1);z-index:8999;padding:80px 24px 32px;overflow-y:auto;flex-direction:column;gap:6px;}
.nav-mobile.open{display:flex;}
.mob-close{position:absolute;top:18px;right:20px;font-size:1.4rem;color:rgba(255,255,255,.7);background:none;border:none;cursor:pointer;line-height:1;}
.mob-link{display:flex;align-items:center;justify-content:space-between;color:rgba(255,255,255,.88);font-weight:500;font-size:1.05rem;padding:13px 0;border-bottom:1px solid rgba(255,255,255,.07);}
.mob-link:hover{color:var(--au);}
.mob-children{display:none;flex-direction:column;padding-left:14px;gap:2px;padding-bottom:8px;}
.mob-parent.open+.mob-children{display:flex;}
.mob-sub{color:rgba(255,255,255,.65);font-size:.93rem;padding:9px 0;border-bottom:1px solid rgba(255,255,255,.04);}
.mob-sub:hover{color:var(--au);}
/* Page banner */
.page-banner{background:linear-gradient(135deg,var(--b1) 0%,var(--b2) 100%);padding:56px 5% 48px;position:relative;overflow:hidden;}
.page-banner::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/svg%3E");}
.page-banner-inner{max-width:1140px;margin:0 auto;position:relative;}
.breadcrumb{display:flex;align-items:center;gap:8px;font-size:.83rem;color:rgba(255,255,255,.55);margin-bottom:18px;}
.breadcrumb a{color:rgba(255,255,255,.55);}
.breadcrumb a:hover{color:var(--au);}
.breadcrumb-sep{opacity:.4;}
.breadcrumb-cur{color:rgba(255,255,255,.82);}
.page-banner h1{font-size:clamp(1.8rem,4vw,2.8rem);font-weight:800;color:#fff;margin-bottom:12px;}
.page-banner p{font-size:1.05rem;color:rgba(255,255,255,.75);max-width:580px;}
.badge-rate{display:inline-flex;align-items:center;gap:8px;background:rgba(232,160,32,.18);border:1px solid rgba(232,160,32,.35);color:var(--au2);font-weight:600;font-size:.88rem;padding:7px 16px;border-radius:50px;margin-top:16px;}
/* Titres sections */
.section-tag{display:inline-flex;align-items:center;gap:7px;font-size:.78rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--b2);background:rgba(26,79,160,.08);padding:5px 14px;border-radius:50px;margin-bottom:14px;}
.section-tag::before{content:'';width:6px;height:6px;border-radius:50%;background:var(--au);flex-shrink:0;}
.section-title{font-size:clamp(1.6rem,3.5vw,2.4rem);font-weight:800;color:var(--b1);line-height:1.18;margin-bottom:12px;}
.section-sub{font-size:1rem;font-weight:300;color:var(--ts);line-height:1.7;max-width:560px;}
.section-head{margin-bottom:52px;}
/* Hero */
.hs{width:100%;background:linear-gradient(135deg,var(--b1) 0%,#0D2257 60%,var(--b2) 100%);position:relative;overflow:hidden;min-height:88vh;display:flex;align-items:center;}
.hs::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 70% 50%,rgba(45,110,232,.25) 0%,transparent 65%);}
.hs-bg-pattern{position:absolute;inset:0;opacity:.04;background-image:repeating-linear-gradient(0deg,transparent,transparent 40px,rgba(255,255,255,.5) 40px,rgba(255,255,255,.5) 41px),repeating-linear-gradient(90deg,transparent,transparent 40px,rgba(255,255,255,.5) 40px,rgba(255,255,255,.5) 41px);}
.hs-inner{max-width:1140px;margin:0 auto;padding:60px 5%;display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;position:relative;z-index:2;}
.hs-tag{display:inline-flex;align-items:center;gap:8px;background:rgba(232,160,32,.15);border:1px solid rgba(232,160,32,.3);color:var(--au2);font-size:.8rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;padding:6px 14px;border-radius:50px;margin-bottom:22px;}
.hs-h1{font-size:clamp(2rem,4.5vw,3.2rem);font-weight:800;color:#fff;line-height:1.12;margin-bottom:20px;}
.hs-h1 span{color:var(--au2);}
.hs-p{font-size:1.05rem;font-weight:300;color:rgba(255,255,255,.78);line-height:1.75;margin-bottom:32px;}
.hs-actions{display:flex;gap:14px;flex-wrap:wrap;}
.hs-stats{display:flex;gap:28px;margin-top:40px;flex-wrap:wrap;}
.hs-stat{display:flex;flex-direction:column;gap:2px;}
.hs-stat strong{font-size:1.6rem;font-weight:800;color:var(--au2);}
.hs-stat span{font-size:.78rem;color:rgba(255,255,255,.55);text-transform:uppercase;letter-spacing:.08em;}
.hs-stat-div{width:1px;background:rgba(255,255,255,.12);align-self:stretch;}
/* Carte 3D */
.card-scene{width:340px;height:215px;perspective:1000px;margin:0 auto;position:relative;}
.card-glow{position:absolute;inset:-60px;background:radial-gradient(ellipse at center,rgba(45,110,232,.35) 0%,transparent 65%);pointer-events:none;}
.card-3d{width:100%;height:100%;position:relative;transform-style:preserve-3d;animation:cardFloat 4s ease-in-out infinite;}
@keyframes cardFloat{0%,100%{transform:translateY(0) rotateY(-8deg) rotateX(4deg);}50%{transform:translateY(-14px) rotateY(8deg) rotateX(-2deg);}}
.card-front{position:absolute;inset:0;border-radius:18px;background:linear-gradient(135deg,#1A4FA0 0%,#0F2756 50%,#1A3888 100%);padding:28px 28px 24px;display:flex;flex-direction:column;justify-content:space-between;box-shadow:0 40px 80px rgba(7,25,59,.7),0 0 0 1px rgba(255,255,255,.08) inset;}
.card-logo-row{display:flex;justify-content:space-between;align-items:center;}
.card-logo-text{font-size:.92rem;font-weight:800;color:#fff;letter-spacing:.04em;}
.card-chip{width:38px;height:30px;background:linear-gradient(135deg,#E8A020,#F5C842);border-radius:5px;display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden;}
.card-chip::before{content:'';position:absolute;inset:4px;border:1px solid rgba(0,0,0,.2);border-radius:3px;}
.card-chip::after{content:'';position:absolute;left:50%;top:0;bottom:0;width:1px;background:rgba(0,0,0,.15);}
.card-number{font-size:1rem;font-weight:500;color:rgba(255,255,255,.9);letter-spacing:.25em;margin-top:6px;}
.card-bottom{display:flex;justify-content:space-between;align-items:flex-end;}
.card-holder{display:flex;flex-direction:column;gap:2px;}
.card-label{font-size:.58rem;color:rgba(255,255,255,.45);text-transform:uppercase;letter-spacing:.1em;}
.card-value{font-size:.85rem;font-weight:600;color:#fff;letter-spacing:.06em;}
.card-network{display:flex;}
.card-circle{width:30px;height:30px;border-radius:50%;}
.card-circle:nth-child(1){background:var(--au);margin-right:-10px;opacity:.9;}
.card-circle:nth-child(2){background:rgba(245,200,66,.65);}
/* Partenaires */
.pk-section{background:var(--bl);padding:44px 5%;border-top:1px solid rgba(26,79,160,.08);border-bottom:1px solid rgba(26,79,160,.08);}
.pk-inner{max-width:1140px;margin:0 auto;}
.pk-label{text-align:center;font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--tm);margin-bottom:28px;}
.pk-track-wrap{overflow:hidden;max-width:100%;mask-image:linear-gradient(to right,transparent 0%,black 8%,black 92%,transparent 100%);-webkit-mask-image:linear-gradient(to right,transparent 0%,black 8%,black 92%,transparent 100%);}
.pk-track{display:flex;align-items:center;gap:48px;animation:pkScroll 30s linear infinite;width:max-content;}
.pk-track:hover{animation-play-state:paused;}
@keyframes pkScroll{from{transform:translateX(0);}to{transform:translateX(-50%);}}
.pk-item img{height:34px;object-fit:contain;filter:grayscale(1);opacity:.5;transition:all .3s;}
.pk-item img:hover{filter:none;opacity:1;}
/* Types crédit */
.cp-types{background:#fff;padding:var(--section-pad);}
.cp-types-inner{max-width:1140px;margin:0 auto;}
.cp-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
.cp-card{border-radius:var(--card-r);overflow:hidden;box-shadow:0 8px 32px rgba(15,39,86,.08);transition:all .3s;border:1px solid rgba(26,79,160,.06);}
.cp-card:hover{transform:translateY(-6px);box-shadow:0 24px 56px rgba(15,39,86,.16);}
.cp-card-img{height:190px;overflow:hidden;}
.cp-card-img img{width:100%;height:100%;object-fit:cover;transition:transform .5s;}
.cp-card:hover .cp-card-img img{transform:scale(1.06);}
.cp-card-body{padding:24px;}
.cp-card-tag{display:inline-flex;align-items:center;font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--b2);background:rgba(26,79,160,.07);padding:4px 11px;border-radius:50px;margin-bottom:12px;}
.cp-card-title{font-size:1.15rem;font-weight:700;color:var(--b1);margin-bottom:8px;}
.cp-card-desc{font-size:.88rem;font-weight:300;color:var(--ts);line-height:1.65;margin-bottom:18px;}
.cp-card-rate{display:flex;align-items:center;gap:10px;margin-bottom:18px;}
.cp-rate-badge{background:linear-gradient(135deg,var(--b1),var(--b2));color:#fff;font-weight:700;font-size:.88rem;padding:6px 14px;border-radius:8px;}
.cp-rate-label{font-size:.78rem;color:var(--ts);}
.cp-card-link{display:flex;align-items:center;gap:6px;font-size:.88rem;font-weight:600;color:var(--b2);}
.cp-card-link:hover{color:var(--au);}
/* Proces */
.process-section{background:linear-gradient(135deg,var(--b1) 0%,var(--b2) 100%);padding:var(--section-pad);}
.process-inner{max-width:1140px;margin:0 auto;}
.process-section .section-tag{background:rgba(232,160,32,.15);color:var(--au2);}
.process-section .section-title{color:#fff;}
.process-section .section-sub{color:rgba(255,255,255,.7);}
.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:52px;}
.process-step{text-align:center;padding:32px 20px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.08);border-radius:16px;position:relative;}
.process-step::before{content:'';position:absolute;top:0;left:50%;transform:translateX(-50%);width:60%;height:1px;background:linear-gradient(90deg,transparent,var(--au),transparent);}
.process-num{width:52px;height:52px;border-radius:50%;background:var(--au);color:var(--bd);font-weight:800;font-size:1.2rem;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;}
.process-step h3{font-size:1rem;font-weight:700;color:#fff;margin-bottom:8px;}
.process-step p{font-size:.86rem;font-weight:300;color:rgba(255,255,255,.65);line-height:1.65;}
/* Avantages */
.ua{background:var(--bl);padding:var(--section-pad);}
.ua-inner{max-width:1140px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center;}
.ua-list{display:flex;flex-direction:column;gap:16px;}
.ua-item{display:flex;align-items:flex-start;gap:16px;padding:16px 20px;background:#fff;border-radius:12px;border:1px solid rgba(26,79,160,.06);transition:box-shadow .2s;}
.ua-item:hover{box-shadow:0 8px 24px rgba(15,39,86,.08);}
.ua-icon{width:42px;height:42px;border-radius:10px;background:linear-gradient(135deg,var(--b2),var(--b3));display:flex;align-items:center;justify-content:center;color:#fff;flex-shrink:0;}
.ua-item h4{font-size:.95rem;font-weight:700;color:var(--b1);margin-bottom:4px;}
.ua-item p{font-size:.85rem;font-weight:300;color:var(--ts);line-height:1.6;}
.ua-visual{display:flex;flex-direction:column;gap:20px;}
.ua-card{background:#fff;border-radius:16px;padding:28px;box-shadow:0 12px 40px rgba(15,39,86,.1);border:1px solid rgba(26,79,160,.06);}
.ua-card-title{font-size:.8rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--tm);margin-bottom:16px;}
.ua-rate-row{display:flex;align-items:center;justify-content:space-between;margin-bottom:8px;}
.ua-rate-label{font-size:.88rem;color:var(--ts);}
.ua-rate-val{font-size:1.05rem;font-weight:800;color:var(--b1);}
.ua-bar{height:8px;border-radius:4px;background:rgba(26,79,160,.08);overflow:hidden;margin-bottom:14px;}
.ua-bar-fill{height:100%;border-radius:4px;background:linear-gradient(90deg,var(--b2),var(--b3));}
/* Reviews */
.reviews-section{background:#fff;padding:var(--section-pad);}
.reviews-inner{max-width:1140px;margin:0 auto;}
.rv-track-wrap{overflow:hidden;max-width:100%;width:100%;mask-image:linear-gradient(to right,transparent 0%,black 5%,black 95%,transparent 100%);-webkit-mask-image:linear-gradient(to right,transparent 0%,black 5%,black 95%,transparent 100%);}
.rv-track{display:flex;gap:24px;animation:rvScroll 35s linear infinite;width:max-content;}
.rv-track:hover{animation-play-state:paused;}
@keyframes rvScroll{from{transform:translateX(0);}to{transform:translateX(-50%);}}
.rv-card{width:300px;flex-shrink:0;background:var(--bl);border-radius:16px;padding:24px;border:1px solid rgba(26,79,160,.08);}
.rv-stars{color:var(--au);font-size:1rem;margin-bottom:12px;letter-spacing:2px;}
.rv-text{font-size:.88rem;font-weight:300;color:var(--ts);line-height:1.65;margin-bottom:16px;}
.rv-author{display:flex;align-items:center;gap:10px;}
.rv-avatar{width:36px;height:36px;border-radius:50%;background:linear-gradient(135deg,var(--b2),var(--b3));display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.9rem;color:#fff;flex-shrink:0;}
.rv-name{font-size:.88rem;font-weight:600;color:var(--tx);}
.rv-role{font-size:.75rem;color:var(--tm);}
/* CTA */
.cta-band{background:linear-gradient(135deg,var(--au) 0%,var(--au2) 100%);padding:72px 5%;text-align:center;}
.cta-band-inner{max-width:680px;margin:0 auto;}
.cta-band h2{font-size:clamp(1.8rem,4vw,2.6rem);font-weight:800;color:var(--bd);margin-bottom:14px;}
.cta-band p{font-size:1.02rem;color:rgba(7,25,59,.75);margin-bottom:32px;line-height:1.7;}
.cta-band .btn-primary{background:var(--b1);color:#fff;}
.cta-band .btn-primary:hover{background:var(--b2);box-shadow:0 8px 24px rgba(15,39,86,.4);}
/* Footer */
.footer{background:var(--b1);color:#fff;padding:72px 5% 0;}
.footer-inner{max-width:1140px;margin:0 auto;}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.3fr;gap:44px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.08);}
.footer-desc{font-size:.86rem;font-weight:300;color:rgba(255,255,255,.55);line-height:1.75;margin-bottom:20px;}
.footer-social{display:flex;gap:10px;}
.social-icon{width:36px;height:36px;border-radius:8px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.1);display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,.6);transition:all .2s;}
.social-icon:hover{background:var(--au);color:var(--bd);border-color:var(--au);}
.footer-col-title{font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--b3);padding-bottom:10px;border-bottom:2px solid var(--au);display:inline-block;margin-bottom:18px;}
.footer-links{display:flex;flex-direction:column;gap:10px;}
.footer-links li a{font-size:.87rem;font-weight:300;color:rgba(255,255,255,.55);transition:color .2s;}
.footer-links li a:hover{color:var(--au);}
.footer-contact{display:flex;flex-direction:column;gap:14px;}
.footer-contact li{display:flex;align-items:flex-start;gap:10px;font-size:.87rem;font-weight:300;color:rgba(255,255,255,.55);}
.footer-contact li svg{flex-shrink:0;margin-top:1px;color:var(--au);}
.footer-contact li a{color:rgba(255,255,255,.7);}
.footer-contact li a:hover{color:var(--au);}
.footer-bottom{padding:24px 0;display:flex;flex-direction:column;gap:6px;}
.footer-bottom p{font-size:.82rem;color:rgba(255,255,255,.38);}
.footer-bottom a{color:rgba(255,255,255,.5);}
.footer-bottom a:hover{color:var(--au);}
/* Page crédit */
.credit-page{background:#fff;padding:72px 5%;}
.credit-inner{max-width:1060px;margin:0 auto;}
.credit-intro{display:grid;grid-template-columns:1.1fr 1fr;gap:60px;align-items:center;margin-bottom:72px;}
.credit-intro-text h2{font-size:1.85rem;font-weight:800;color:var(--b1);margin-bottom:16px;}
.credit-intro-text p{font-size:.95rem;font-weight:300;color:var(--ts);line-height:1.75;margin-bottom:14px;}
.credit-intro-img{border-radius:20px;overflow:hidden;box-shadow:0 24px 56px rgba(15,39,86,.15);}
.credit-intro-img img{width:100%;height:320px;object-fit:cover;}
.rates-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-bottom:64px;}
.rate-card{background:var(--bl);border-radius:16px;padding:28px;text-align:center;border:1px solid rgba(26,79,160,.08);}
.rate-card.featured{background:linear-gradient(135deg,var(--b1),var(--b2));color:#fff;border:none;box-shadow:0 16px 40px rgba(15,39,86,.25);}
.rate-card .rc-label{font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--ts);margin-bottom:10px;}
.rate-card.featured .rc-label{color:rgba(255,255,255,.6);}
.rate-card .rc-val{font-size:2.2rem;font-weight:800;color:var(--b1);line-height:1;}
.rate-card.featured .rc-val{color:var(--au2);}
.rate-card .rc-sub{font-size:.78rem;color:var(--ts);margin-top:6px;}
.rate-card.featured .rc-sub{color:rgba(255,255,255,.55);}
.credit-features h2{font-size:1.5rem;font-weight:800;color:var(--b1);margin-bottom:28px;}
.features-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-bottom:64px;}
.feature-item{display:flex;align-items:flex-start;gap:14px;padding:18px;background:var(--bl);border-radius:12px;border:1px solid rgba(26,79,160,.06);}
.feature-check{width:32px;height:32px;border-radius:8px;background:var(--b2);display:flex;align-items:center;justify-content:center;color:#fff;flex-shrink:0;}
.feature-item h4{font-size:.92rem;font-weight:700;color:var(--b1);margin-bottom:4px;}
.feature-item p{font-size:.84rem;color:var(--ts);line-height:1.55;font-weight:300;}
.kredit-cta{background:linear-gradient(135deg,var(--b1),var(--b2));border-radius:24px;padding:52px 44px;text-align:center;margin-bottom:64px;}
.kredit-cta h2{font-size:1.8rem;font-weight:800;color:#fff;margin-bottom:12px;}
.kredit-cta p{color:rgba(255,255,255,.7);margin-bottom:28px;font-size:.95rem;}
/* FAQ */
.faq-section{background:#fff;padding:72px 5%;}
.faq-inner{max-width:820px;margin:0 auto;}
.faq-list{display:flex;flex-direction:column;gap:12px;margin-top:48px;}
.faq-item{border:1px solid rgba(26,79,160,.1);border-radius:14px;overflow:hidden;}
.faq-q{display:flex;align-items:center;justify-content:space-between;padding:20px 24px;cursor:pointer;font-weight:600;color:var(--b1);font-size:.95rem;transition:background .2s;}
.faq-q:hover{background:var(--bl);}
.faq-q .faq-icon{width:28px;height:28px;border-radius:50%;background:var(--b2);color:#fff;display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:transform .25s,background .2s;}
.faq-item.open .faq-q{background:var(--bl);}
.faq-item.open .faq-icon{transform:rotate(45deg);background:var(--au);}
.faq-a{display:none;padding:0 24px 20px;font-size:.9rem;font-weight:300;color:var(--ts);line-height:1.75;}
.faq-item.open .faq-a{display:block;}
/* Kontakt */
.contact-section{background:#fff;padding:72px 5%;}
.contact-inner{max-width:1060px;margin:0 auto;display:grid;grid-template-columns:1fr 1.2fr;gap:60px;align-items:start;}
.contact-info h2{font-size:1.7rem;font-weight:800;color:var(--b1);margin-bottom:16px;}
.contact-info p{font-size:.93rem;font-weight:300;color:var(--ts);line-height:1.75;margin-bottom:32px;}
.contact-details{display:flex;flex-direction:column;gap:18px;}
.cd-item{display:flex;align-items:flex-start;gap:14px;}
.cd-icon{width:42px;height:42px;border-radius:10px;background:linear-gradient(135deg,var(--b2),var(--b3));display:flex;align-items:center;justify-content:center;color:#fff;flex-shrink:0;}
.cd-label{font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--tm);margin-bottom:2px;}
.cd-val{font-size:.93rem;font-weight:500;color:var(--tx);}
.cd-val a{color:var(--b2);}
.cd-val a:hover{color:var(--au);}
.contact-form{background:var(--bl);border-radius:24px;padding:36px;border:1px solid rgba(26,79,160,.08);}
.contact-form h3{font-size:1.25rem;font-weight:800;color:var(--b1);margin-bottom:24px;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.form-group{display:flex;flex-direction:column;gap:6px;margin-bottom:16px;}
.form-group label{font-size:.8rem;font-weight:600;color:var(--ts);text-transform:uppercase;letter-spacing:.07em;}
.form-group input,.form-group select,.form-group textarea{padding:12px 16px;border-radius:10px;border:1.5px solid rgba(26,79,160,.15);font-size:.92rem;font-family:'Outfit',sans-serif;color:var(--tx);background:#fff;transition:border-color .2s,box-shadow .2s;outline:none;}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{border-color:var(--b2);box-shadow:0 0 0 3px rgba(26,79,160,.1);}
.form-group textarea{resize:vertical;min-height:100px;}
.form-submit{width:100%;}
.form-msg{display:none;padding:12px 16px;border-radius:10px;font-size:.88rem;margin-top:12px;}
.form-msg.ok{background:rgba(26,160,80,.1);border:1px solid rgba(26,160,80,.25);color:#1A6640;display:block;}
.form-msg.err{background:rgba(220,50,50,.08);border:1px solid rgba(220,50,50,.2);color:#8B2020;display:block;}
/* Postopek */
.postopek-section{background:#fff;padding:72px 5%;}
.postopek-inner{max-width:900px;margin:0 auto;}
.postopek-steps{display:flex;flex-direction:column;gap:0;margin-top:52px;position:relative;}
.postopek-steps::before{content:'';position:absolute;left:35px;top:0;bottom:0;width:2px;background:linear-gradient(180deg,var(--b2),rgba(26,79,160,.1));}
.pstep{display:flex;gap:28px;align-items:flex-start;position:relative;padding-bottom:44px;}
.pstep:last-child{padding-bottom:0;}
.pstep-num{width:70px;height:70px;border-radius:50%;background:linear-gradient(135deg,var(--b1),var(--b2));color:#fff;font-weight:800;font-size:1.4rem;display:flex;align-items:center;justify-content:center;flex-shrink:0;z-index:1;border:4px solid #fff;box-shadow:0 8px 24px rgba(15,39,86,.2);}
.pstep-content{padding-top:8px;}
.pstep-content h3{font-size:1.15rem;font-weight:700;color:var(--b1);margin-bottom:8px;}
.pstep-content p{font-size:.9rem;font-weight:300;color:var(--ts);line-height:1.7;}
/* Obrazec */
.obrazec-section{background:#fff;padding:72px 5%;}
.obrazec-inner{max-width:820px;margin:0 auto;}
.obrazec-form{background:var(--bl);border-radius:24px;padding:44px;border:1px solid rgba(26,79,160,.08);}
.form-section-title{font-size:1rem;font-weight:700;color:var(--b1);padding-bottom:12px;border-bottom:2px solid rgba(26,79,160,.1);margin-bottom:20px;margin-top:28px;}
.form-section-title:first-child{margin-top:0;}
/* Legal */
.legal-page{background:#fff;padding:72px 5%;}
.legal-inner{max-width:860px;margin:0 auto;}
.legal-section{margin-bottom:40px;padding-bottom:40px;border-bottom:1px solid rgba(26,79,160,.08);}
.legal-section:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0;}
.legal-section h2{font-size:1.1rem;font-weight:700;color:var(--b1);margin:0 0 14px;padding-bottom:8px;border-bottom:2px solid var(--au);display:inline-block;}
.legal-section h3{font-size:.97rem;font-weight:700;color:var(--tx);margin:20px 0 8px;}
.legal-section p{font-size:.92rem;font-weight:300;color:var(--ts);line-height:1.78;margin:0 0 10px;}
.legal-section p:last-child{margin-bottom:0;}
.legal-section a{color:var(--b2);font-weight:500;}
.legal-section a:hover{text-decoration:underline;}
.legal-section ul li{font-size:.92rem;font-weight:300;color:var(--ts);line-height:1.78;padding-left:16px;position:relative;}
.legal-section ul li::before{content:'—';position:absolute;left:0;color:var(--tm);}
/* Responsive */
@media(max-width:1024px){
  .cp-grid{grid-template-columns:repeat(2,1fr);}
  .process-grid{grid-template-columns:repeat(2,1fr);}
  .footer-grid{grid-template-columns:1fr 1fr;}
  .ua-inner{grid-template-columns:1fr;}
  .hs-inner{grid-template-columns:1fr;text-align:center;}
  .hs-stats{justify-content:center;}
  .hs-actions{justify-content:center;}
  .card-scene{margin:40px auto 0;}
}
@media(max-width:768px){
  :root{--section-pad:64px 5%;}
  .nav-links,.nav-actions .btn-nav{display:none;}
  .burger{display:flex;}
  .cp-grid{grid-template-columns:1fr;}
  .process-grid{grid-template-columns:1fr 1fr;}
  .footer-grid{grid-template-columns:1fr;}
  .credit-intro{grid-template-columns:1fr;}
  .rates-grid{grid-template-columns:1fr 1fr;}
  .features-grid{grid-template-columns:1fr;}
  .contact-inner{grid-template-columns:1fr;}
  .form-row{grid-template-columns:1fr;}
  .card-scene{width:280px;height:177px;}
}
@media(max-width:480px){
  .process-grid{grid-template-columns:1fr;}
  .rates-grid{grid-template-columns:1fr;}
  .obrazec-form{padding:24px;}
}