/* =========================================================
   PRETDIRECT - Feuille de style unique partagée par toutes les pages
   Charte graphique reprise à l'identique de la page d'accueil de référence
   ========================================================= */
:root {
    --primary: #F2653A;
    --primary-dark: #D94E26;
    --secondary: #1E3A5F;
    --accent: #2DD4A8;
    --light: #F8F9FA;
    --dark: #1A1A2E;
    --gray: #6B7280;
    --white: #FFFFFF;
    --danger: #E14848;
    --warning: #F2A93A;
    --shadow: 0 4px 20px rgba(0,0,0,0.08);
    --shadow-lg: 0 10px 40px rgba(0,0,0,0.12);
    --radius: 20px;
}

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

html { scroll-behavior: smooth; }

body {
    font-family: 'Inter', sans-serif;
    color: var(--dark);
    line-height: 1.6;
    background: var(--white);
}

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

a { color: inherit; }

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 2rem;
}

.container-narrow {
    max-width: 800px;
    margin: 0 auto;
    padding: 0 2rem;
}

/* ===== SKIP LINK / ACCESSIBILITE ===== */
.skip-link {
    position: absolute;
    left: -9999px;
    top: 0;
    background: var(--dark);
    color: var(--white);
    padding: 1rem;
    z-index: 10000;
}
.skip-link:focus { left: 1rem; }

:focus-visible {
    outline: 3px solid var(--accent);
    outline-offset: 2px;
}

/* ===== HEADER ===== */
.site-header {
    background: var(--white);
    padding: 1rem 0;
    position: fixed;
    width: 100%;
    top: 0;
    z-index: 1000;
    box-shadow: 0 2px 10px rgba(0,0,0,0.05);
}

.header-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 1.5rem;
}

.logo {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--primary);
    text-decoration: none;
    white-space: nowrap;
}
.logo span { color: var(--secondary); }

.nav-links {
    display: flex;
    gap: 2rem;
    list-style: none;
    flex: 1;
    justify-content: center;
}
.nav-links a {
    text-decoration: none;
    color: var(--dark);
    font-weight: 500;
    transition: color 0.3s;
}
.nav-links a:hover, .nav-links a.is-active { color: var(--primary); }

.header-actions {
    display: flex;
    align-items: center;
    gap: 1rem;
}

/* Language switcher */
.lang-switcher { position: relative; }
.lang-switcher-btn {
    display: flex;
    align-items: center;
    gap: 0.4rem;
    background: var(--light);
    border: 1px solid #E5E7EB;
    border-radius: 50px;
    padding: 0.5rem 0.9rem;
    font-size: 0.85rem;
    font-weight: 600;
    cursor: pointer;
    color: var(--dark);
}
.lang-switcher-menu {
    display: none;
    position: absolute;
    right: 0;
    top: calc(100% + 8px);
    background: var(--white);
    border-radius: 12px;
    box-shadow: var(--shadow-lg);
    padding: 0.5rem;
    min-width: 170px;
    max-height: 320px;
    overflow-y: auto;
}
.lang-switcher.is-open .lang-switcher-menu { display: block; }
.lang-switcher-menu a {
    display: flex;
    width: 100%;
    align-items: center;
    gap: 0.6rem;
    background: none;
    border: none;
    text-align: left;
    padding: 0.6rem 0.7rem;
    border-radius: 8px;
    cursor: pointer;
    font-size: 0.9rem;
    color: var(--dark);
    text-decoration: none;
}
.lang-switcher-menu a:hover { background: var(--light); }
.lang-switcher-menu a.is-current { color: var(--primary); font-weight: 700; }

/* Ces liens ne s'affichent que dans le menu déroulant mobile (masqués dans la barre desktop) */
.mobile-only-link { display: none; }
@media (max-width: 640px) {
    .mobile-only-link { display: list-item; }
}

.mobile-toggle {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    padding: 0.4rem;
}
.mobile-toggle span {
    display: block;
    width: 24px;
    height: 2px;
    background: var(--dark);
    margin: 5px 0;
    transition: 0.3s;
}

/* ===== BUTTONS ===== */
.btn {
    display: inline-block;
    padding: 0.875rem 2rem;
    border-radius: 50px;
    font-weight: 600;
    text-decoration: none;
    transition: all 0.3s;
    border: none;
    cursor: pointer;
    font-size: 1rem;
    font-family: inherit;
}
.btn-primary {
    background: var(--primary);
    color: var(--white);
    box-shadow: 0 4px 15px rgba(242,101,58,0.3);
}
.btn-primary:hover { background: var(--primary-dark); transform: translateY(-2px); box-shadow: 0 6px 20px rgba(242,101,58,0.4); }
.btn-outline { background: transparent; color: var(--primary); border: 2px solid var(--primary); }
.btn-outline:hover { background: var(--primary); color: var(--white); }
.btn-secondary { background: var(--secondary); color: var(--white); }
.btn-secondary:hover { background: #16293f; }
.btn-lg { padding: 1rem 2.5rem; font-size: 1.1rem; }
.btn-sm { padding: 0.6rem 1.25rem; font-size: 0.875rem; }
.btn-block { display: block; width: 100%; text-align: center; }
.btn:disabled { opacity: 0.6; cursor: not-allowed; }

/* ===== HERO (Accueil) ===== */
.hero {
    padding: 8rem 0 4rem;
    background: linear-gradient(135deg, #FFF5F2 0%, #FFFFFF 50%, #F0F7FF 100%);
    min-height: 100vh;
    display: flex;
    align-items: center;
}
.hero-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }
.hero-badge {
    display: inline-block;
    background: rgba(242,101,58,0.1);
    color: var(--primary);
    padding: 0.5rem 1rem;
    border-radius: 50px;
    font-size: 0.875rem;
    font-weight: 600;
    margin-bottom: 1.5rem;
}
.hero h1 { font-size: 3.5rem; font-weight: 800; line-height: 1.1; margin-bottom: 1.5rem; color: var(--dark); }
.hero h1 span { color: var(--primary); }
.hero-subtitle { font-size: 1.25rem; color: var(--gray); margin-bottom: 2rem; max-width: 500px; }
.hero-features { display: flex; gap: 2rem; margin-top: 2rem; flex-wrap: wrap; }
.hero-feature { display: flex; align-items: center; gap: 0.5rem; font-size: 0.9rem; color: var(--gray); }
.hero-feature svg { width: 20px; height: 20px; color: var(--accent); flex-shrink:0; }

/* ===== SIMULATOR ===== */
.simulator-card { background: var(--white); border-radius: 24px; padding: 2.5rem; box-shadow: var(--shadow-lg); border: 1px solid rgba(0,0,0,0.05); }
.simulator-card h3 { font-size: 1.5rem; margin-bottom: 0.5rem; color: var(--dark); }
.simulator-card .subtitle { color: var(--gray); font-size: 0.9rem; margin-bottom: 2rem; }
.simulator-field { margin-bottom: 1.5rem; }
.simulator-field label { display: block; font-weight: 600; margin-bottom: 0.5rem; color: var(--dark); font-size: 0.9rem; }
.simulator-value { font-size: 1.75rem; font-weight: 700; color: var(--primary); margin-bottom: 0.5rem; }
.simulator-field select {
    width: 100%; padding: 0.85rem 1rem; border-radius: 12px; border: 1px solid #E5E7EB;
    font-family: inherit; font-size: 1rem; background: var(--white);
}
.slider-container { position: relative; margin-bottom: 0.5rem; }
input[type="range"] { width: 100%; height: 8px; border-radius: 4px; background: #E5E7EB; outline: none; -webkit-appearance: none; }
input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none; width: 24px; height: 24px; border-radius: 50%;
    background: var(--primary); cursor: pointer; box-shadow: 0 2px 10px rgba(242,101,58,0.4); transition: transform 0.2s;
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.1); }
input[type="range"]::-moz-range-thumb {
    width: 24px; height: 24px; border-radius: 50%; background: var(--primary); cursor: pointer; border:none;
    box-shadow: 0 2px 10px rgba(242,101,58,0.4);
}
.slider-labels { display: flex; justify-content: space-between; font-size: 0.75rem; color: var(--gray); }
.result-box { background: linear-gradient(135deg, var(--secondary), #2C5282); border-radius: 16px; padding: 1.5rem; margin: 2rem 0; color: var(--white); }
.result-label { font-size: 0.875rem; opacity: 0.8; margin-bottom: 0.25rem; }
.result-value { font-size: 2.5rem; font-weight: 800; }
.result-details { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-top: 1rem; padding-top: 1rem; border-top: 1px solid rgba(255,255,255,0.2); }
.result-detail { font-size: 0.8rem; }
.result-detail strong { display: block; font-size: 1rem; margin-top: 0.25rem; }
.simulator-note { font-size: 0.75rem; color: var(--gray); text-align: center; margin-top: 1rem; }

/* ===== TRUST / STEPS / SECTIONS COMMUNES ===== */
.trust-section { padding: 3rem 0; background: var(--white); border-bottom: 1px solid #E5E7EB; }
.trust-label { text-align: center; font-size: 0.875rem; color: var(--gray); text-transform: uppercase; letter-spacing: 2px; margin-bottom: 1.5rem; }
.trust-logos { display: flex; justify-content: center; align-items: center; gap: 3rem; flex-wrap: wrap; opacity: 0.6; }
.trust-logo { font-weight: 700; font-size: 1rem; color: var(--gray); border: 1px dashed #D1D5DB; padding: 0.4rem 0.9rem; border-radius: 8px; }

.section { padding: 6rem 0; }
.section-alt { background: var(--light); }
.section-header { text-align: center; margin-bottom: 4rem; }
.section-header.align-left { text-align: left; margin-bottom: 2.5rem; }
.section-label { display: inline-block; color: var(--primary); font-weight: 600; font-size: 0.875rem; text-transform: uppercase; letter-spacing: 2px; margin-bottom: 1rem; }
.section-title { font-size: 2.5rem; font-weight: 800; color: var(--dark); margin-bottom: 1rem; }
.section-desc { color: var(--gray); font-size: 1.1rem; max-width: 600px; margin: 0 auto; }
.align-left .section-desc { margin: 0; }

.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.step-card { background: var(--white); border-radius: var(--radius); padding: 2.5rem; text-align: center; box-shadow: var(--shadow); transition: transform 0.3s, box-shadow 0.3s; }
.step-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.step-number { width: 60px; height: 60px; background: linear-gradient(135deg, var(--primary), var(--primary-dark)); color: var(--white); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.5rem; font-weight: 800; margin: 0 auto 1.5rem; }
.step-card h3 { font-size: 1.25rem; margin-bottom: 0.75rem; color: var(--dark); }
.step-card p { color: var(--gray); font-size: 0.95rem; }

.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }
.why-content h2 { font-size: 2.5rem; font-weight: 800; margin-bottom: 1.5rem; color: var(--dark); }
.why-content p { color: var(--gray); font-size: 1.1rem; margin-bottom: 2rem; }
.why-list { list-style: none; }
.why-list li { display: flex; align-items: center; gap: 1rem; margin-bottom: 1rem; font-size: 1rem; }
.why-list .check { width: 28px; height: 28px; background: rgba(45,212,168,0.15); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: var(--accent); font-weight: bold; flex-shrink: 0; }
.why-visual { background: linear-gradient(135deg, #FFF5F2, #F0F7FF); border-radius: 24px; padding: 3rem; display: flex; flex-direction: column; gap: 1.5rem; }
.why-stat { background: var(--white); border-radius: 16px; padding: 1.5rem; box-shadow: var(--shadow); }
.why-stat-value { font-size: 2rem; font-weight: 800; color: var(--primary); }
.why-stat-label { color: var(--gray); font-size: 0.9rem; }

.loans-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.loan-card { background: var(--white); border-radius: var(--radius); padding: 2rem; box-shadow: var(--shadow); transition: all 0.3s; text-decoration:none; display:block; border: 1px solid transparent; }
.loan-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); border-color: var(--primary); }
.loan-icon { width: 56px; height: 56px; background: rgba(242,101,58,0.1); border-radius: 16px; display: flex; align-items: center; justify-content: center; font-size: 1.5rem; margin-bottom: 1.25rem; }
.loan-card h3 { font-size: 1.1rem; margin-bottom: 0.5rem; color: var(--dark); }
.loan-card p { color: var(--gray); font-size: 0.9rem; margin-bottom: 1rem; }
.loan-rate { display: inline-block; background: rgba(45,212,168,0.1); color: var(--accent); padding: 0.25rem 0.75rem; border-radius: 50px; font-size: 0.8rem; font-weight: 600; }
.loan-detail-list { list-style:none; margin: 1rem 0; }
.loan-detail-list li { padding: 0.4rem 0; color: var(--gray); font-size: 0.9rem; border-bottom: 1px dashed #E5E7EB; display:flex; justify-content: space-between; }
.loan-detail-list li strong { color: var(--dark); }

.stats-section { padding: 5rem 0; background: linear-gradient(135deg, var(--secondary), #2C5282); color: var(--white); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; text-align: center; }
.stat-item .stat-value { font-size: 3rem; font-weight: 800; color: var(--primary); margin-bottom: 0.5rem; }
.stat-item .stat-label { font-size: 1rem; opacity: 0.8; }
.placeholder-note { font-size: 0.7rem; opacity: 0.6; margin-top: 0.4rem; }

.cta-section { padding: 6rem 0; background: linear-gradient(135deg, #FFF5F2, #FFFFFF); text-align: center; }
.cta-section h2 { font-size: 2.5rem; font-weight: 800; margin-bottom: 1rem; color: var(--dark); }
.cta-section p { color: var(--gray); font-size: 1.1rem; margin-bottom: 2rem; }

/* ===== AVIS CLIENTS ===== */
.reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; margin-bottom: 3rem; }
.review-card { background: var(--white); border-radius: var(--radius); padding: 2rem; box-shadow: var(--shadow); }
.review-stars { color: var(--warning); font-size: 1.1rem; margin-bottom: 0.75rem; letter-spacing: 2px; }
.review-text { color: var(--dark); font-size: 0.95rem; margin-bottom: 1.25rem; font-style: italic; }
.review-author { display: flex; align-items: center; gap: 0.75rem; }
.review-avatar { width: 40px; height: 40px; border-radius: 50%; background: var(--secondary); color: var(--white); display: flex; align-items: center; justify-content: center; font-weight: 700; }
.review-name { font-weight: 600; font-size: 0.9rem; }
.review-date { color: var(--gray); font-size: 0.8rem; }
.review-form-card { background: var(--light); border-radius: var(--radius); padding: 2.5rem; max-width: 600px; margin: 0 auto; }
.star-rating-input { display: flex; gap: 0.5rem; flex-direction: row-reverse; justify-content: flex-end; }
.star-rating-input input { display: none; }
.star-rating-input label { font-size: 1.75rem; color: #D1D5DB; cursor: pointer; }
.star-rating-input input:checked ~ label,
.star-rating-input label:hover,
.star-rating-input label:hover ~ label { color: var(--warning); }

/* ===== FORMS ===== */
.form-card { background: var(--white); border-radius: var(--radius); padding: 2.5rem; box-shadow: var(--shadow-lg); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
.form-group { margin-bottom: 1.25rem; }
.form-group.full { grid-column: 1 / -1; }
.form-group label { display: block; font-weight: 600; font-size: 0.9rem; margin-bottom: 0.5rem; color: var(--dark); }
.form-group .req { color: var(--primary); }
.form-group input[type="text"],
.form-group input[type="email"],
.form-group input[type="tel"],
.form-group input[type="number"],
.form-group input[type="password"],
.form-group input[type="date"],
.form-group select,
.form-group textarea {
    width: 100%; padding: 0.85rem 1rem; border-radius: 12px; border: 1px solid #E5E7EB;
    font-family: inherit; font-size: 1rem; background: var(--white); color: var(--dark);
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--primary); }
.form-group .hint { font-size: 0.8rem; color: var(--gray); margin-top: 0.4rem; }
.form-checkbox { display: flex; align-items: flex-start; gap: 0.6rem; font-size: 0.85rem; color: var(--gray); }
.form-checkbox input { margin-top: 0.2rem; }
.form-msg { padding: 1rem 1.25rem; border-radius: 12px; margin-bottom: 1.5rem; font-size: 0.9rem; }
.form-msg.success { background: rgba(45,212,168,0.12); color: #10806A; }
.form-msg.error { background: rgba(225,72,72,0.1); color: var(--danger); }
.form-file-drop { border: 2px dashed #E5E7EB; border-radius: 12px; padding: 1.5rem; text-align: center; color: var(--gray); font-size: 0.9rem; }

/* ===== AUTH ===== */
.auth-wrapper { padding: 9rem 0 5rem; min-height: 70vh; background: var(--light); display: flex; align-items: center; }
.auth-card { max-width: 460px; margin: 0 auto; background: var(--white); border-radius: var(--radius); padding: 2.5rem; box-shadow: var(--shadow-lg); }
.auth-card h1 { font-size: 1.75rem; margin-bottom: 0.5rem; }
.auth-card .subtitle { color: var(--gray); margin-bottom: 2rem; font-size: 0.95rem; }
.auth-switch { text-align: center; margin-top: 1.5rem; font-size: 0.9rem; color: var(--gray); }
.auth-switch a { color: var(--primary); font-weight: 600; text-decoration: none; }

/* ===== DASHBOARD ===== */
.dashboard-wrapper { padding: 8rem 0 4rem; background: var(--light); min-height: 80vh; }
.dashboard-header { display: flex; justify-content: space-between; align-items: center; margin-bottom: 2rem; flex-wrap: wrap; gap: 1rem; }
.dashboard-header h1 { font-size: 2rem; }
.dashboard-grid { display: grid; grid-template-columns: 260px 1fr; gap: 2rem; align-items: start; }
.dashboard-nav { background: var(--white); border-radius: var(--radius); padding: 1.5rem; box-shadow: var(--shadow); position: sticky; top: 100px; }
.dashboard-nav-profile { text-align: center; margin-bottom: 1.5rem; padding-bottom: 1.5rem; border-bottom: 1px solid #E5E7EB; }
.dashboard-nav-avatar { width: 64px; height: 64px; border-radius: 50%; background: var(--secondary); color: var(--white); display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 1.5rem; margin: 0 auto 0.75rem; }
.dashboard-nav ul { list-style: none; }
.dashboard-nav a { display: block; padding: 0.75rem 1rem; border-radius: 10px; text-decoration: none; color: var(--dark); font-weight: 500; font-size: 0.95rem; margin-bottom: 0.25rem; }
.dashboard-nav a:hover, .dashboard-nav a.is-active { background: rgba(242,101,58,0.1); color: var(--primary); }
.dashboard-main { display: flex; flex-direction: column; gap: 1.5rem; }
.dashboard-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.dashboard-card { background: var(--white); border-radius: var(--radius); padding: 1.75rem; box-shadow: var(--shadow); }
.dashboard-card .label { font-size: 0.85rem; color: var(--gray); margin-bottom: 0.5rem; }
.dashboard-card .value { font-size: 1.85rem; font-weight: 800; color: var(--dark); }
.dashboard-panel { background: var(--white); border-radius: var(--radius); padding: 2rem; box-shadow: var(--shadow); }
.dashboard-panel h2 { font-size: 1.25rem; margin-bottom: 1.25rem; }
.empty-state { text-align: center; padding: 3rem 1rem; color: var(--gray); }
.empty-state .icon { font-size: 2.5rem; margin-bottom: 1rem; }

.status-badge { display: inline-flex; align-items: center; gap: 0.4rem; padding: 0.35rem 0.85rem; border-radius: 50px; font-size: 0.8rem; font-weight: 600; }
.status-badge.pending { background: rgba(242,169,58,0.15); color: #A9720E; }
.status-badge.review { background: rgba(30,58,95,0.1); color: var(--secondary); }
.status-badge.approved { background: rgba(45,212,168,0.15); color: #10806A; }
.status-badge.disbursed { background: rgba(45,212,168,0.25); color: #0B5D4C; }
.status-badge.rejected { background: rgba(225,72,72,0.12); color: var(--danger); }

.table-wrap { overflow-x: auto; }
table.data-table { width: 100%; border-collapse: collapse; font-size: 0.9rem; }
table.data-table th { text-align: left; padding: 0.75rem 1rem; color: var(--gray); font-weight: 600; font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.5px; border-bottom: 2px solid var(--light); white-space:nowrap; }
table.data-table td { padding: 0.9rem 1rem; border-bottom: 1px solid var(--light); white-space:nowrap; }
table.data-table tr:last-child td { border-bottom: none; }

.progress-bar { width: 100%; height: 10px; border-radius: 6px; background: var(--light); overflow: hidden; }
.progress-bar > div { height: 100%; background: linear-gradient(90deg, var(--accent), #23B593); border-radius: 6px; }
.timeline { list-style: none; }
.timeline li { position: relative; padding-left: 2rem; padding-bottom: 1.5rem; border-left: 2px solid #E5E7EB; margin-left: 0.6rem; }
.timeline li:last-child { border-color: transparent; padding-bottom: 0; }
.timeline li::before { content:''; position:absolute; left:-7px; top:0; width:12px; height:12px; border-radius:50%; background: #D1D5DB; }
.timeline li.done::before { background: var(--accent); }
.timeline li.current::before { background: var(--primary); box-shadow: 0 0 0 4px rgba(242,101,58,0.2); }
.timeline .t-date { font-size: 0.75rem; color: var(--gray); }
.timeline .t-title { font-weight: 600; }

/* ===== FOOTER (identique sur toutes les pages) ===== */
.site-footer { background: var(--dark); color: var(--white); padding: 4rem 0 2rem; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 3rem; margin-bottom: 3rem; }
.footer-brand .logo { color: var(--primary); margin-bottom: 1rem; display: inline-block; }
.footer-brand p { color: rgba(255,255,255,0.6); font-size: 0.9rem; line-height: 1.6; }
.footer-contact-links { display: flex; flex-direction: column; gap: 0.6rem; margin-top: 1.25rem; }
.footer-contact-link { color: var(--accent); text-decoration: none; font-size: 0.9rem; font-weight: 600; }
.footer-contact-link:hover { text-decoration: underline; }

/* Bouton flottant WhatsApp (visible sur toutes les pages si un numéro est configuré) */
.whatsapp-float {
    position: fixed;
    bottom: 24px;
    right: 24px;
    width: 56px;
    height: 56px;
    background: #25D366;
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.6rem;
    text-decoration: none;
    box-shadow: var(--shadow-lg);
    z-index: 999;
    transition: transform 0.2s;
}
.whatsapp-float:hover { transform: scale(1.08); }
@media (max-width: 640px) {
    .whatsapp-float { width: 48px; height: 48px; font-size: 1.35rem; bottom: 16px; right: 16px; }
}
.footer-col h4 { font-size: 1rem; margin-bottom: 1.5rem; color: var(--white); }
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 0.75rem; }
.footer-col a { color: rgba(255,255,255,0.6); text-decoration: none; font-size: 0.9rem; transition: color 0.3s; }
.footer-col a:hover { color: var(--primary); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 2rem; text-align: center; }
.footer-bottom p { color: rgba(255,255,255,0.4); font-size: 0.8rem; margin-bottom: 0.5rem; }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
    .hero-inner { grid-template-columns: 1fr; gap: 3rem; }
    .hero h1 { font-size: 2.5rem; }
    .steps-grid { grid-template-columns: 1fr; }
    .why-grid { grid-template-columns: 1fr; }
    .loans-grid { grid-template-columns: repeat(2, 1fr); }
    .reviews-grid { grid-template-columns: repeat(2, 1fr); }
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .dashboard-grid { grid-template-columns: 1fr; }
    .dashboard-nav { position: static; }
    .dashboard-cards { grid-template-columns: 1fr 1fr; }
    .form-grid { grid-template-columns: 1fr; }
}

@media (max-width: 640px) {
    .hero { padding-top: 6rem; }
    .hero h1 { font-size: 2rem; }
    .nav-links { 
        display: none; 
        position: fixed; top: 68px; left: 0; right: 0; background: var(--white);
        flex-direction: column; padding: 1.5rem 2rem; box-shadow: var(--shadow-lg); gap: 1rem; z-index: 999;
    }
    .nav-links.is-open { display: flex; }
    .mobile-toggle { display: block; }
    .header-cta { padding: 0.55rem 0.9rem; font-size: 0.8rem; }
    .header-actions { gap: 0.5rem; }
    .desktop-only { display: none; }
    .loans-grid { grid-template-columns: 1fr; }
    .reviews-grid { grid-template-columns: 1fr; }
    .stats-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; }
    .simulator-card { padding: 1.5rem; }
    .dashboard-cards { grid-template-columns: 1fr; }
    .section { padding: 3.5rem 0; }
    .section-title { font-size: 1.85rem; }
    table.data-table { font-size: 0.8rem; }
}