/* ============================================
   Action Immobilier — Fintech Courtier Design
   ============================================ */

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

:root {
  --primary: #0a2540;
  --secondary: #00d4aa;
  --secondary-dark: #00b894;
  --bg: #ffffff;
  --card-bg: #f7f9fc;
  --text: #334155;
  --text-light: #64748b;
  --accent: #e0f2fe;
  --rate-highlight: #ff6b35;
  --border: #e2e8f0;
  --shadow: 0 1px 3px rgba(10,37,64,0.08);
  --shadow-md: 0 4px 12px rgba(10,37,64,0.1);
  --shadow-lg: 0 8px 30px rgba(10,37,64,0.12);
  --radius: 8px;
  --radius-lg: 12px;
  --transition: 0.3s ease;
}

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--secondary-dark); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--primary); }

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

h1, h2, h3, h4 { color: var(--primary); line-height: 1.3; font-weight: 700; }
h1 { font-size: clamp(2rem, 4vw, 2.8rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); margin-bottom: 1rem; }
h3 { font-size: 1.25rem; margin-bottom: 0.5rem; }

p { margin-bottom: 1rem; }

.container { max-width: 1140px; margin: 0 auto; padding: 0 1.25rem; }

/* --- Buttons --- */
.btn {
  display: inline-flex; align-items: center; gap: 0.5rem;
  padding: 0.85rem 1.8rem; border-radius: 50px; font-weight: 600;
  font-size: 1rem; cursor: pointer; transition: all var(--transition);
  border: 2px solid transparent; text-align: center;
}

.btn-primary {
  background: linear-gradient(135deg, var(--secondary), var(--secondary-dark));
  color: #fff; border-color: var(--secondary);
}
.btn-primary:hover {
  transform: translateY(-2px); box-shadow: 0 6px 20px rgba(0,212,170,0.35);
  color: #fff;
}

.btn-outline {
  background: transparent; color: var(--primary);
  border-color: var(--primary);
}
.btn-outline:hover {
  background: var(--primary); color: #fff;
  transform: translateY(-2px);
}

.btn-sm { padding: 0.6rem 1.4rem; font-size: 0.9rem; }

/* --- Header --- */
.site-header {
  background: #fff; border-bottom: 3px solid var(--primary);
  position: sticky; top: 0; z-index: 1000;
  box-shadow: var(--shadow);
}

.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 0.75rem 0; min-height: 70px;
}

.logo { display: flex; align-items: center; gap: 0.5rem; font-weight: 800; font-size: 1.35rem; color: var(--primary); }
.logo span { color: var(--secondary); }

.nav-links { display: flex; align-items: center; gap: 2rem; list-style: none; }
.nav-links a { color: var(--text); font-weight: 500; font-size: 0.95rem; position: relative; }
.nav-links a::after {
  content: ''; position: absolute; bottom: -4px; left: 0; width: 0;
  height: 2px; background: var(--secondary); transition: width var(--transition);
}
.nav-links a:hover::after, .nav-links a.active::after { width: 100%; }
.nav-links a:hover { color: var(--primary); }

.header-cta { display: flex; align-items: center; gap: 1rem; }
.header-phone { font-weight: 600; color: var(--primary); font-size: 0.95rem; }

.menu-toggle { display: none; background: none; border: none; cursor: pointer; padding: 0.5rem; }
.menu-toggle span { display: block; width: 24px; height: 2px; background: var(--primary); margin: 5px 0; transition: var(--transition); }
.menu-toggle.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.menu-toggle.active span:nth-child(2) { opacity: 0; }
.menu-toggle.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* --- Hero --- */
.hero {
  padding: 5rem 0 4rem;
  background: #fff;
  position: relative; overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; bottom: 0;
  background-image: radial-gradient(circle, #e2e8f0 1px, transparent 1px);
  background-size: 24px 24px;
  opacity: 0.5;
}

.hero-content { position: relative; z-index: 1; display: flex; align-items: center; gap: 3rem; }
.hero-text { flex: 1; }
.hero-text .badge {
  display: inline-block; background: var(--accent); color: var(--primary);
  padding: 0.4rem 1rem; border-radius: 50px; font-size: 0.85rem; font-weight: 600;
  margin-bottom: 1.5rem;
}

.hero-text h1 { margin-bottom: 1.25rem; }
.hero-text h1 .highlight { color: var(--secondary); }
.hero-text p { font-size: 1.15rem; color: var(--text-light); margin-bottom: 2rem; max-width: 540px; }

.hero-ctas { display: flex; gap: 1rem; flex-wrap: wrap; }

.hero-rate {
  flex: 0 0 360px; background: var(--primary); border-radius: var(--radius-lg);
  padding: 2.5rem; color: #fff; text-align: center; position: relative;
  box-shadow: var(--shadow-lg);
}

.hero-rate .label { font-size: 0.9rem; opacity: 0.8; margin-bottom: 0.5rem; }
.hero-rate .rate-value { font-size: 3.5rem; font-weight: 800; color: var(--secondary); line-height: 1; }
.hero-rate .rate-suffix { font-size: 1.2rem; opacity: 0.7; }
.hero-rate .rate-note { font-size: 0.85rem; opacity: 0.6; margin-top: 1rem; }

/* --- Sections --- */
.section { padding: 5rem 0; }
.section-alt { background: var(--card-bg); }
.section-dark { background: var(--primary); color: #fff; }
.section-dark h2, .section-dark h3 { color: #fff; }

.section-header { text-align: center; max-width: 680px; margin: 0 auto 3rem; }
.section-header p { color: var(--text-light); font-size: 1.1rem; }

/* --- Benefits Grid --- */
.benefits-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 1.5rem; }

.benefit-card {
  background: #fff; padding: 2rem; border-radius: var(--radius-lg);
  border-left: 4px solid var(--secondary); box-shadow: var(--shadow);
  transition: all var(--transition);
}
.benefit-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }

.benefit-icon {
  width: 52px; height: 52px; border-radius: var(--radius);
  background: var(--accent); display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; margin-bottom: 1rem;
}

.benefit-card h3 { font-size: 1.1rem; }
.benefit-card p { color: var(--text-light); font-size: 0.95rem; margin-bottom: 0; }

/* --- Steps Timeline --- */
.steps { display: flex; gap: 2rem; position: relative; justify-content: center; }
.steps::before {
  content: ''; position: absolute; top: 32px; left: 15%; right: 15%;
  height: 3px; background: var(--border);
}

.step {
  text-align: center; flex: 1; max-width: 240px; position: relative; z-index: 1;
}

.step-number {
  width: 64px; height: 64px; border-radius: 50%;
  background: linear-gradient(135deg, var(--secondary), var(--secondary-dark));
  color: #fff; font-size: 1.4rem; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 1rem; box-shadow: 0 4px 12px rgba(0,212,170,0.3);
}

.step h3 { font-size: 1rem; margin-bottom: 0.5rem; }
.step p { font-size: 0.9rem; color: var(--text-light); }

/* --- Bank Partners --- */
.banks-grid {
  display: flex; flex-wrap: wrap; gap: 0.75rem;
  justify-content: center;
}

.bank-badge {
  background: var(--card-bg); border: 1px solid var(--border);
  padding: 0.6rem 1.25rem; border-radius: 50px;
  font-weight: 600; font-size: 0.9rem; color: var(--text-light);
  transition: all var(--transition);
}
.bank-badge:hover { background: var(--primary); color: #fff; border-color: var(--primary); }

/* --- Rates Table --- */
.rates-table-wrap { overflow-x: auto; }

.rates-table {
  width: 100%; border-collapse: collapse; background: #fff;
  border-radius: var(--radius-lg); overflow: hidden;
  box-shadow: var(--shadow);
}

.rates-table thead { background: var(--primary); color: #fff; }
.rates-table th { padding: 1rem 1.25rem; text-align: left; font-weight: 600; font-size: 0.95rem; }
.rates-table td { padding: 0.85rem 1.25rem; border-bottom: 1px solid var(--border); font-size: 0.95rem; }
.rates-table tbody tr:hover { background: var(--accent); }
.rates-table .rate-good { color: var(--secondary-dark); font-weight: 600; }
.rates-table .rate-excellent { color: var(--secondary); font-weight: 700; }
.rates-table .rate-highlight { color: var(--rate-highlight); font-weight: 700; }

/* --- Simulator --- */
.simulator-section { background: var(--primary); padding: 5rem 0; }
.simulator-section h2 { color: #fff; }
.simulator-section .section-header p { color: rgba(255,255,255,0.7); }

.simulator-card {
  background: #fff; border-radius: var(--radius-lg);
  padding: 2.5rem; box-shadow: var(--shadow-lg); max-width: 800px; margin: 0 auto;
}

.sim-group { margin-bottom: 1.75rem; }
.sim-group label { display: flex; justify-content: space-between; font-weight: 600; margin-bottom: 0.5rem; color: var(--primary); }
.sim-group label span { color: var(--secondary); font-size: 1.1rem; }

.sim-slider {
  -webkit-appearance: none; width: 100%; height: 6px;
  background: var(--border); border-radius: 3px; outline: none;
}
.sim-slider::-webkit-slider-thumb {
  -webkit-appearance: none; width: 22px; height: 22px;
  background: linear-gradient(135deg, var(--secondary), var(--secondary-dark));
  border-radius: 50%; cursor: pointer; box-shadow: 0 2px 8px rgba(0,212,170,0.4);
}
.sim-slider::-moz-range-thumb {
  width: 22px; height: 22px;
  background: linear-gradient(135deg, var(--secondary), var(--secondary-dark));
  border-radius: 50%; cursor: pointer; border: none;
}

.sim-results {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1.25rem; margin-top: 2rem; padding-top: 2rem; border-top: 2px solid var(--border);
}

.sim-result {
  text-align: center; padding: 1.25rem; background: var(--card-bg);
  border-radius: var(--radius); border-left: 3px solid var(--secondary);
}
.sim-result .val { font-size: 1.6rem; font-weight: 800; color: var(--primary); }
.sim-result .lbl { font-size: 0.85rem; color: var(--text-light); margin-top: 0.25rem; }
.sim-result.highlight .val { color: var(--secondary); }
.sim-result.savings .val { color: var(--rate-highlight); }

/* --- Testimonials --- */
.testimonials-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 1.5rem; }

.testimonial-card {
  background: #fff; padding: 1.75rem; border-radius: var(--radius-lg);
  box-shadow: var(--shadow); border-left: 4px solid var(--secondary);
  transition: all var(--transition);
}
.testimonial-card:hover { box-shadow: var(--shadow-md); }

.testimonial-stars { color: #f59e0b; font-size: 1rem; margin-bottom: 0.75rem; letter-spacing: 2px; }
.testimonial-text { font-style: italic; color: var(--text); margin-bottom: 1rem; font-size: 0.95rem; }
.testimonial-author { font-weight: 600; color: var(--primary); font-size: 0.9rem; }
.testimonial-saving { display: inline-block; background: var(--accent); color: var(--primary); padding: 0.2rem 0.7rem; border-radius: 50px; font-size: 0.8rem; font-weight: 600; margin-top: 0.5rem; }

/* --- Counters --- */
.counters { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 2rem; text-align: center; }

.counter-item .counter-value {
  font-size: 2.8rem; font-weight: 800; color: var(--secondary);
  line-height: 1;
}
.counter-item .counter-label { font-size: 1rem; opacity: 0.85; margin-top: 0.5rem; }

/* --- FAQ --- */
.faq-list { max-width: 780px; margin: 0 auto; }

.faq-item {
  border: 1px solid var(--border); border-radius: var(--radius);
  margin-bottom: 0.75rem; overflow: hidden; background: #fff;
}

.faq-question {
  width: 100%; padding: 1.15rem 1.5rem; background: none; border: none;
  text-align: left; font-size: 1rem; font-weight: 600; color: var(--primary);
  cursor: pointer; display: flex; justify-content: space-between; align-items: center;
  transition: background var(--transition);
}
.faq-question:hover { background: var(--card-bg); }
.faq-question .icon { font-size: 1.2rem; transition: transform var(--transition); color: var(--secondary); }
.faq-item.active .faq-question .icon { transform: rotate(45deg); }

.faq-answer {
  max-height: 0; overflow: hidden; transition: max-height 0.4s ease, padding 0.3s ease;
}
.faq-item.active .faq-answer { max-height: 500px; }
.faq-answer-inner { padding: 0 1.5rem 1.25rem; color: var(--text-light); font-size: 0.95rem; line-height: 1.7; }

/* --- Contact Form --- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: start; }

.contact-form { background: #fff; padding: 2.5rem; border-radius: var(--radius-lg); box-shadow: var(--shadow-md); }
.contact-form .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }

.form-group { margin-bottom: 1.25rem; }
.form-group label { display: block; font-weight: 600; margin-bottom: 0.4rem; font-size: 0.9rem; color: var(--primary); }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%; padding: 0.75rem 1rem; border: 2px solid var(--border);
  border-radius: var(--radius); font-size: 0.95rem; transition: border-color var(--transition);
  font-family: inherit;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { border-color: var(--secondary); outline: none; }
.form-group textarea { resize: vertical; min-height: 100px; }

.contact-info { padding: 2rem 0; }
.contact-info-item { display: flex; gap: 1rem; margin-bottom: 1.5rem; align-items: flex-start; }
.contact-info-icon {
  width: 48px; height: 48px; border-radius: var(--radius);
  background: var(--accent); display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem; flex-shrink: 0;
}
.contact-info-item h3 { font-size: 1rem; margin-bottom: 0.2rem; }
.contact-info-item p { color: var(--text-light); font-size: 0.95rem; margin: 0; }

/* --- Footer --- */
.site-footer { background: var(--primary); color: rgba(255,255,255,0.7); padding: 4rem 0 2rem; }

.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2rem; margin-bottom: 3rem; }

.footer-brand .logo { color: #fff; margin-bottom: 1rem; }
.footer-brand p { font-size: 0.9rem; line-height: 1.6; }

.footer-col h4 { color: #fff; font-size: 1rem; margin-bottom: 1rem; }
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 0.5rem; }
.footer-col a { color: rgba(255,255,255,0.7); font-size: 0.9rem; }
.footer-col a:hover { color: var(--secondary); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1); padding-top: 1.5rem;
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 1rem; font-size: 0.85rem;
}

.footer-legal { display: flex; gap: 1.5rem; }
.footer-legal a { color: rgba(255,255,255,0.5); }
.footer-legal a:hover { color: var(--secondary); }

/* --- Page Headers --- */
.page-header {
  background: var(--primary); padding: 3.5rem 0 2.5rem; color: #fff;
  position: relative;
}
.page-header::before {
  content: '';
  position: absolute; inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,0.06) 1px, transparent 1px);
  background-size: 20px 20px;
}
.page-header .container { position: relative; z-index: 1; }
.page-header h1 { color: #fff; margin-bottom: 0.5rem; }
.page-header p { opacity: 0.8; font-size: 1.1rem; }

.breadcrumb { display: flex; gap: 0.5rem; font-size: 0.85rem; margin-bottom: 1rem; opacity: 0.7; }
.breadcrumb a { color: rgba(255,255,255,0.8); }
.breadcrumb a:hover { color: var(--secondary); }

/* --- Content Sections --- */
.content-section { padding: 4rem 0; }
.content-section h2 { margin-top: 2.5rem; margin-bottom: 1rem; }
.content-section h3 { margin-top: 1.5rem; }
.content-section ul, .content-section ol { margin-left: 1.5rem; margin-bottom: 1rem; }
.content-section li { margin-bottom: 0.4rem; }

.comparison-table { width: 100%; border-collapse: collapse; margin: 1.5rem 0; }
.comparison-table th, .comparison-table td { padding: 0.85rem 1rem; text-align: left; border-bottom: 1px solid var(--border); }
.comparison-table thead { background: var(--primary); color: #fff; }
.comparison-table tbody tr:hover { background: var(--accent); }
.comparison-table .check { color: var(--secondary); font-weight: 700; }
.comparison-table .cross { color: #ef4444; }

/* --- Advantages Page --- */
.advantages-list { display: grid; gap: 2rem; }

.advantage-item {
  display: flex; gap: 1.5rem; padding: 2rem; background: #fff;
  border-radius: var(--radius-lg); box-shadow: var(--shadow);
  border-left: 4px solid var(--secondary);
}
.advantage-item .adv-number {
  width: 48px; height: 48px; border-radius: 50%;
  background: linear-gradient(135deg, var(--secondary), var(--secondary-dark));
  color: #fff; font-weight: 700; font-size: 1.2rem;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.advantage-item h3 { margin-bottom: 0.5rem; }
.advantage-item p { color: var(--text-light); margin: 0; }

/* --- Amortization Table --- */
.amort-table { width: 100%; border-collapse: collapse; font-size: 0.9rem; margin-top: 1.5rem; }
.amort-table th { background: var(--primary); color: #fff; padding: 0.7rem 1rem; text-align: left; }
.amort-table td { padding: 0.55rem 1rem; border-bottom: 1px solid var(--border); }
.amort-table tbody tr:nth-child(even) { background: var(--card-bg); }

/* --- Fade In Animation --- */
.fade-in {
  opacity: 0; transform: translateY(20px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.fade-in.visible { opacity: 1; transform: translateY(0); }

/* --- 404 --- */
.page-404 {
  text-align: center; padding: 8rem 0;
}
.page-404 h1 { font-size: 6rem; color: var(--secondary); margin-bottom: 0.5rem; }
.page-404 p { font-size: 1.2rem; color: var(--text-light); margin-bottom: 2rem; }

/* --- Responsive --- */
@media (max-width: 992px) {
  .hero-content { flex-direction: column; text-align: center; }
  .hero-text p { margin-left: auto; margin-right: auto; }
  .hero-ctas { justify-content: center; }
  .hero-rate { flex: none; width: 100%; max-width: 360px; }
  .steps { flex-wrap: wrap; }
  .steps::before { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .nav-links, .header-cta .btn { display: none; }
  .menu-toggle { display: block; }

  .nav-links.active {
    display: flex; flex-direction: column; position: absolute;
    top: 100%; left: 0; right: 0; background: #fff;
    padding: 1.5rem; gap: 1rem; box-shadow: var(--shadow-md);
    border-bottom: 3px solid var(--primary);
  }

  .section { padding: 3.5rem 0; }
  .hero { padding: 3rem 0; }

  .contact-form .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }

  .sim-results { grid-template-columns: 1fr 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .counters { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 480px) {
  .hero-ctas { flex-direction: column; align-items: stretch; }
  .btn { justify-content: center; }
  .sim-results { grid-template-columns: 1fr; }
  .counters { grid-template-columns: 1fr; }
}