/* ===================================
   JERDEL FINANCE — Identité de Marque Premium
   Palette exclusive : #092327 (Jet Black), #0B5351 (Dark Slate),
   #00A9A5 (Light Sea), #4E8098 (Air Force Blue), #90C2E7 (Sky Blue)
   Police : Poppins + Montserrat
=================================== */

:root {
  --navy: #092327;
  --navy-light: #0B5351;
  --red: #00A9A5;
  --red-dark: #0B5351;
  --accent-2: #4E8098;
  --accent-3: #90C2E7;
  --gray-bg: #EAF4F8;
  --gray-text: #4A5A5C;
  --dark-text: #092327;
  --white: #ffffff;
  --border: #CFE3ED;
  --shadow: 0 1px 2px rgba(9,35,39,0.06);
  --shadow-lg: 0 1px 3px rgba(9,35,39,0.10);
  --radius: 4px;
  --radius-sm: 3px;
  --transition: all 0.2s ease;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Montserrat', sans-serif;
  font-size: 15px;
  color: var(--dark-text);
  background: #fff;
  line-height: 1.6;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5 {
  font-family: 'Poppins', sans-serif;
  line-height: 1.15;
  color: var(--dark-text);
}

a { text-decoration: none; color: inherit; transition: var(--transition); }
img { max-width: 100%; height: auto; display: block; }
ul { list-style: none; }

/* ---- CONTAINER ---- */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ---- TOPBAR ---- */
.topbar {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  font-size: 13px;
  padding: 8px 0;
}
.topbar .container {
  display: flex;
  gap: 32px;
  align-items: center;
}
.topbar span { display: flex; align-items: center; gap: 6px; }

/* ---- HEADER (deux niveaux, façon Service-Public) ---- */
.site-header {
  background: #fff;
  position: sticky;
  top: 0;
  z-index: 999;
  border-bottom: 1px solid var(--border);
}
.site-header.scrolled { box-shadow: var(--shadow); }
.header-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
  gap: 24px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 2px;
  font-family: 'Poppins', sans-serif;
  font-size: 20px;
  font-weight: 800;
  letter-spacing: 0.3px;
  flex-shrink: 0;
}
.logo-a {
  background: var(--red);
  color: #fff;
  width: 30px;
  height: 30px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  font-weight: 800;
  margin-right: 4px;
  flex-shrink: 0;
}
.logo-text { color: var(--navy); }
.logo-white .logo-text { color: #fff; }

.header-top-right { display: flex; align-items: center; gap: 22px; }
.header-top-link {
  display: flex;
  align-items: center;
  gap: 6px;
  font-family: 'Poppins', sans-serif;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--navy);
  white-space: nowrap;
}
.header-top-link svg { color: var(--gray-text); flex-shrink: 0; }
.header-top-cta { color: var(--red); }
.header-top-cta svg { color: var(--red); }
.header-top-cta:hover { color: var(--red-dark); }
.header-search { display: flex; align-items: stretch; height: 36px; }
.header-search input {
  border: 1px solid var(--border);
  border-right: none;
  border-radius: var(--radius-sm) 0 0 var(--radius-sm);
  padding: 0 12px;
  font-size: 13px;
  width: 170px;
  outline: none;
  font-family: 'Montserrat', sans-serif;
}
.header-search input:focus { border-color: var(--navy); }
.header-search button {
  background: var(--navy);
  color: #fff;
  border: none;
  width: 40px;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
}
.header-search button:hover { background: var(--navy-light); }

/* ---- NAV BAR (2e niveau, icône home + liens) ---- */
.main-nav { border-top: 1px solid var(--border); background: #fff; }
.nav-inner {
  display: flex;
  align-items: center;
  gap: 4px;
  height: 48px;
}
.main-nav a {
  position: relative;
  padding: 0 13px;
  height: 100%;
  display: flex;
  align-items: center;
  font-family: 'Poppins', sans-serif;
  font-size: 13.5px;
  font-weight: 500;
  color: var(--navy);
  border-bottom: 3px solid transparent;
}
.main-nav a:hover, .main-nav a.active { border-bottom-color: var(--red); }
.nav-home { padding: 0 14px !important; }
.nav-home svg { color: var(--navy); }

/* ---- MENU DÉROULANT (Financements) ---- */
.nav-dropdown { position: relative; height: 100%; }
.nav-dropdown > a { display: flex; align-items: center; gap: 5px; }
.nav-dropdown > a svg { transition: transform 0.2s ease; }
.nav-dropdown:hover > a svg { transform: rotate(180deg); }
.nav-dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 6px;
  min-width: 220px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-4px);
  transition: opacity 0.15s ease, transform 0.15s ease, visibility 0.15s ease;
  z-index: 50;
}
.nav-dropdown:hover .nav-dropdown-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.nav-dropdown-menu a {
  display: flex !important;
  align-items: center;
  gap: 10px;
  height: auto !important;
  padding: 9px 12px !important;
  border-radius: var(--radius-sm);
  border-bottom: none !important;
  font-size: 13.5px !important;
  color: var(--navy) !important;
}
.nav-dropdown-menu a svg { color: var(--red); flex-shrink: 0; }
.nav-dropdown-menu a:hover { background: var(--gray-bg); color: var(--red) !important; }

.burger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.burger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: var(--transition);
}

/* ---- BUTTONS ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 11px 28px;
  border-radius: var(--radius-sm);
  font-family: 'Poppins', sans-serif;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition);
  border: none;
}
.btn-primary {
  background: var(--red);
  color: #fff;
}
.btn-primary:hover {
  background: var(--red-dark);
}
.btn-outline {
  background: transparent;
  color: #fff;
  border: 1.5px solid rgba(255,255,255,0.6);
}
.btn-outline:hover { border-color: #fff; background: rgba(255,255,255,0.08); }
.btn-outline-navy { background: transparent; color: var(--navy); border: 1.5px solid var(--navy); }
.btn-outline-navy:hover { background: var(--navy); color: #fff; }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-light); }
.btn-lg { padding: 14px 36px; font-size: 15px; }

/* ---- SECTION TITLES ---- */
.section-tag {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 600;
  color: var(--red);
  letter-spacing: 2px;
  text-transform: uppercase;
  display: block;
  margin-bottom: 12px;
}
.section-title {
  font-size: clamp(26px, 3vw, 38px);
  font-weight: 700;
  color: var(--dark-text);
  margin-bottom: 16px;
  line-height: 1.15;
}
.section-title.white { color: #fff; }
.section-desc {
  font-size: 15px;
  color: var(--gray-text);
  line-height: 1.6;
  max-width: 580px;
}

/* ---- HERO : titre + bandeau photo/légende ---- */
/* ---- HERO SLIDER : fond couleur principale + photos en overlay ---- */
.hero-slider-section { background: var(--navy); padding: 56px 0; overflow: hidden; }
.hero-slider-grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 50px; align-items: center; }

.hero-slider-text { color: #fff; position: relative; min-height: 220px; }
.hero-slide-text { display: none; }
.hero-slide-text.active { display: block; animation: heroTextIn 0.5s ease; }
.hero-slide-text .section-tag { color: var(--red); }
.hero-slide-text h1 {
  font-family: 'Poppins', sans-serif;
  font-size: clamp(26px, 3.4vw, 40px);
  font-weight: 800;
  color: #fff;
  line-height: 1.18;
  margin-bottom: 16px;
}
.hero-slide-text p { font-size: 14.5px; color: rgba(255,255,255,0.65); line-height: 1.6; max-width: 480px; }
@keyframes heroTextIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: translateY(0); } }

.hero-slider-btns { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 26px; }
.hero-slider-dots { display: flex; gap: 8px; margin-top: 30px; }
.hero-slider-dots button { width: 10px; height: 10px; border-radius: 50%; background: rgba(255,255,255,0.25); border: none; cursor: pointer; transition: var(--transition); padding: 0; }
.hero-slider-dots button.active { background: var(--red); width: 26px; border-radius: 5px; }

.hero-slider-media { position: relative; aspect-ratio: 4 / 3.1; min-height: 320px; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-lg); border: 1px solid rgba(255,255,255,0.1); }
.hero-slide-img { position: absolute; top: 0; right: 0; bottom: 0; left: 0; background-size: cover; background-position: center; opacity: 0; transition: opacity 0.7s ease; }
.hero-slide-img.active { opacity: 1; }
.hero-slider-arrow {
  position: absolute; top: 50%; transform: translateY(-50%);
  width: 38px; height: 38px; border-radius: 50%;
  background: rgba(35,61,77,0.85); border: 1.5px solid rgba(255,255,255,0.6);
  box-shadow: 0 2px 8px rgba(0,0,0,0.25);
  color: #fff; display: flex; align-items: center; justify-content: center;
  cursor: pointer; z-index: 5; transition: var(--transition);
}
.hero-slider-arrow:hover { background: var(--red); border-color: var(--red); }
.hero-slider-arrow.prev { left: 14px; }
.hero-slider-arrow.prev svg { transform: rotate(180deg); }
.hero-slider-arrow.next { right: 14px; }

/* ---- ACCÈS RAPIDE (minimal, façon "fiches pratiques") ---- */
.quick-access { padding: 40px 0 10px; }
.quick-title { font-family: 'Poppins', sans-serif; font-size: 19px; font-weight: 700; color: var(--navy); margin-bottom: 20px; }
.quick-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 14px; }
.quick-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  text-align: center;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px 10px;
  color: var(--navy);
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 13px;
  transition: var(--transition);
}
.quick-card:hover { border-color: var(--red); box-shadow: var(--shadow); }
.quick-icon { width: 44px; height: 44px; border-radius: var(--radius-sm); background: var(--gray-bg); display: flex; align-items: center; justify-content: center; color: var(--navy); }
.quick-card:hover .quick-icon { color: var(--red); }
.quick-more { display: inline-block; margin-top: 18px; color: var(--navy); font-weight: 600; font-size: 13.5px; text-decoration: underline; }
.quick-more:hover { color: var(--red); }

/* ---- BANDEAU INFO (façon "France services") ---- */
.info-banner-wrap { padding: 36px 0; }
.info-banner {
  background: #FCEAEE;
  border-radius: var(--radius);
  padding: 22px 28px;
  display: flex;
  align-items: center;
  gap: 22px;
}
.info-banner-mark {
  width: 50px; height: 50px; border-radius: 50%;
  background: #fff; color: var(--red);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.info-banner-text strong { display: block; color: var(--red); font-family: 'Poppins', sans-serif; font-weight: 800; font-size: 15px; }
.info-banner-text p { color: var(--navy); font-size: 14px; font-weight: 600; margin-top: 2px; }
.info-banner .btn { margin-left: auto; flex-shrink: 0; }

/* ---- GUIDES LES PLUS LUS (façon "fiches les plus lues") ---- */
.guide-cards-wrap { padding: 6px 0 50px; }
.guide-cards-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.guide-card { display: block; border-top: 3px solid var(--border); padding-top: 14px; color: inherit; transition: var(--transition); }
.guide-card:hover { border-top-color: var(--red); }
.guide-tag { display: block; font-size: 11px; font-weight: 700; letter-spacing: 0.6px; text-transform: uppercase; color: var(--red); margin-bottom: 8px; }
.guide-title { display: block; font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 15.5px; color: var(--navy); line-height: 1.4; margin-bottom: 10px; }
.guide-arrow { color: var(--red); font-weight: 700; font-size: 14px; }
.guide-card:hover .guide-title { text-decoration: underline; }

.partner-badges { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.partner-badge {
  display: flex; align-items: center; gap: 12px;
  background: var(--gray-bg); border-radius: var(--radius);
  padding: 18px 16px; color: var(--navy);
}
.partner-badge svg { color: var(--red); flex-shrink: 0; }
.partner-badge span { font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 13.5px; }

/* ---- SERVICE CARDS ---- */
.services { padding: 70px 0; }
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 20px;
  margin-top: 44px;
}
.service-card {
  background: #fff;
  border: 1px solid var(--border);
  border-top: 3px solid transparent;
  border-radius: var(--radius);
  padding: 26px 22px;
  transition: var(--transition);
}
.service-card:hover { border-top-color: var(--red); border-color: var(--border); box-shadow: var(--shadow); }
.service-card .icon {
  width: 50px;
  height: 50px;
  background: var(--gray-bg);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  color: var(--navy);
  transition: var(--transition);
}
.service-card .icon svg { width: 24px; height: 24px; }
.service-card:hover .icon { color: var(--red); }
.service-card h3 { font-size: 17px; font-weight: 700; margin-bottom: 8px; }
.service-card p { font-size: 13.5px; color: var(--gray-text); line-height: 1.5; }
.service-card .card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  font-weight: 600;
  color: var(--red);
  margin-top: 16px;
}
.service-card:hover .card-link { text-decoration: underline; }

/* ---- VALUES SECTION ---- */
.values { padding: 70px 0; }
.values-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.values-image img {
  border-radius: var(--radius);
  border: 1px solid var(--border);
  width: 100%;
}
.check-list { margin: 20px 0 28px; display: flex; flex-direction: column; gap: 10px; }
.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 14px;
  color: var(--gray-text);
}
.check-list li::before {
  content: '✓';
  background: var(--gray-bg);
  color: var(--red);
  width: 20px;
  height: 20px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 2px;
}

/* ---- WHY JERDEL FINANCE ---- */
.why-us {
  background: var(--gray-bg);
  padding: 70px 0;
}
.why-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.feature-list { display: flex; flex-direction: column; gap: 26px; margin: 24px 0 32px; }
.feature-item { display: flex; gap: 18px; align-items: flex-start; }
.feature-icon {
  width: 42px;
  height: 42px;
  background: var(--navy);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  flex-shrink: 0;
}
.feature-icon svg { width: 19px; height: 19px; }
.feature-icon.highlight { background: var(--red); }
.feature-text h4 { font-size: 16px; font-weight: 700; margin-bottom: 4px; }
.feature-text p { font-size: 13.5px; color: var(--gray-text); line-height: 1.5; }

/* ---- STATS BAR ---- */
.stats-bar {
  background: var(--navy);
  padding: 36px 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  text-align: center;
}
.stat-item { border-left: 1px solid rgba(255,255,255,0.12); padding: 0 12px; }
.stat-item:first-child { border-left: none; }
.stat-label { font-size: 12px; color: #9aa3c2; font-family: 'Montserrat', sans-serif; }
.stat-icon { width: 30px; height: 30px; object-fit: contain; margin: 0 auto 10px; display: block; filter: brightness(0) invert(1) opacity(0.85); }
.stat-number {
  font-family: 'Poppins', sans-serif;
  font-size: 34px;
  font-weight: 700;
  color: #fff;
  line-height: 1;
}
.stat-title { font-size: 13px; font-weight: 600; color: var(--red); margin-bottom: 4px; }

/* ---- TESTIMONIALS ---- */
.testimonials { padding: 100px 0; }
.testimonials-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.testimonial-slider { display: grid; gap: 0; }
.testimonial-card {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 30px;
  display: none;
}
.testimonial-card.active { display: block; }
.testimonial-card p {
  font-size: 14px;
  color: #eee;
  line-height: 1.6;
  margin-bottom: 20px;
  font-style: italic;
}
.testimonial-meta { display: flex; align-items: center; gap: 14px; }
.testimonial-avatar {
  width: 46px; height: 46px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 14.5px;
  flex-shrink: 0; letter-spacing: 0.5px;
}
.testimonial-avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--red);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  color: #fff;
  font-size: 18px;
  flex-shrink: 0;
}
.testimonial-name { font-family: 'Poppins', sans-serif; font-weight: 600; color: #fff; font-size: 15px; }
.testimonial-role { font-size: 12px; color: #aaa; }
.stars-svg { color: #FFB400; display: inline-flex; gap: 2px; margin-bottom: 16px; }
.stars-svg svg { width: 14px; height: 14px; }
.testimonial-dots { display: flex; gap: 8px; margin-top: 20px; flex-wrap: wrap; }
.testimonial-dots button {
  width: 8px; height: 8px; border-radius: 50%; border: none;
  background: rgba(255,255,255,0.2); cursor: pointer; transition: var(--transition);
}
.testimonial-dots button.active { background: var(--red); width: 24px; border-radius: 4px; }

/* ---- CTA SECTION ---- */
.cta-section {
  background: var(--navy);
  padding: 64px 0;
}
.cta-inner {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 60px;
  align-items: center;
}
.cta-section .section-tag { color: var(--red); }
.cta-section h2 { font-size: clamp(24px, 3.4vw, 36px); font-weight: 700; color: #fff; margin-bottom: 16px; }
.cta-section p { color: rgba(255,255,255,0.7); font-size: 14.5px; line-height: 1.6; }
.cta-checklist { margin-top: 20px; display: flex; flex-direction: column; gap: 10px; }
.cta-checklist li { color: rgba(255,255,255,0.85); font-size: 14px; display: flex; align-items: center; gap: 10px; }
.cta-checklist li svg { color: var(--red); flex-shrink: 0; }
.cta-buttons { display: flex; flex-direction: column; gap: 16px; align-items: center; }

/* ---- PARTNERS ---- */
.partners { padding: 100px 0; }
.partners-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.partners-img img { border-radius: 16px; box-shadow: var(--shadow-lg); }

/* ---- LEGAL STRIP ---- */
.legal-strip {
  background: var(--gray-bg);
  padding: 60px 0;
}
.legal-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}
.legal-list { display: flex; flex-direction: column; gap: 8px; margin-top: 16px; }
.legal-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14px;
  color: var(--gray-text);
}
.legal-list li::before {
  content: '›';
  color: var(--red);
  font-size: 18px;
  font-weight: 700;
  line-height: 1.1;
  flex-shrink: 0;
}

/* ---- CONTACT INFO BOXES ---- */
.contact-boxes {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 32px;
}
.contact-box {
  background: var(--navy);
  border-radius: 8px;
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 14px;
  color: #fff;
}
.contact-box-icon {
  width: 40px;
  height: 40px;
  background: rgba(254,127,45,0.18);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--red);
  flex-shrink: 0;
}
.contact-box-icon svg { width: 18px; height: 18px; }
.contact-box-title { font-size: 13px; font-weight: 600; color: #fff; margin-bottom: 2px; }
.contact-box-val { font-size: 13px; color: #ccc; }

/* ---- PAGE HEADER (pages internes) — sobre, blanc, façon Service-Public ---- */
.page-hero {
  background: #fff;
  padding: 28px 0 32px;
  border-bottom: 1px solid var(--border);
}
.page-hero h1 { color: var(--navy); font-size: clamp(24px, 3.2vw, 34px); font-weight: 800; margin-bottom: 8px; }
.page-hero p { color: var(--gray-text); max-width: 640px; font-size: 14.5px; }
.breadcrumb { display: flex; gap: 8px; font-size: 12.5px; color: var(--gray-text); margin-bottom: 12px; }
.breadcrumb a { color: var(--gray-text); }
.breadcrumb a:hover { color: var(--red); text-decoration: underline; }
.breadcrumb span { color: var(--red); }

/* ---- FORMS ---- */
.form-section { padding: 80px 0; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group.full { grid-column: 1 / -1; }
.form-group label {
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  font-family: 'Poppins', sans-serif;
}
.form-group input,
.form-group select,
.form-group textarea {
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  color: var(--dark-text);
  background: #fff;
  transition: var(--transition);
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(254,127,45,0.15);
}
.form-group textarea { resize: vertical; min-height: 120px; }
.form-note { font-size: 12px; color: var(--gray-text); margin-top: 16px; }
.form-success {
  background: #e8f8ef;
  border: 1px solid #4caf50;
  border-radius: 8px;
  padding: 20px 24px;
  color: #2e7d32;
  display: none;
}

/* ---- ACCORDION ---- */
.accordion { margin-top: 32px; }
.accordion-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  margin-bottom: 10px;
  overflow: hidden;
}
.accordion-header {
  padding: 18px 24px;
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: #fff;
  transition: var(--transition);
}
.accordion-header:hover { background: var(--gray-bg); }
.accordion-header.open { color: var(--red); }
.accordion-header .arrow { display: flex; transition: var(--transition); color: var(--red); flex-shrink: 0; }
.accordion-header.open .arrow { transform: rotate(180deg); }
.accordion-body { padding: 0 24px 20px; color: var(--gray-text); font-size: 14px; line-height: 1.7; display: none; }
.accordion-body.open { display: block; }

/* ---- TEAM CARDS ---- */
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 60px;
}
.team-card { text-align: center; }
.team-avatar {
  width: 100px;
  height: 100px;
  background: var(--gray-bg);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  font-family: 'Poppins', sans-serif;
  font-size: 32px;
  font-weight: 700;
  color: var(--red);
}
.team-card h3 { font-size: 18px; margin-bottom: 4px; }
.team-card .role { font-size: 13px; color: var(--red); font-weight: 600; margin-bottom: 8px; }
.team-card p { font-size: 14px; color: var(--gray-text); }

/* ---- FOOTER ---- */
.site-footer { background: var(--navy); padding: 60px 0 0; }
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand p { color: rgba(255,255,255,0.6); font-size: 14px; line-height: 1.6; margin: 16px 0 20px; }
.footer-col h4 {
  font-family: 'Poppins', sans-serif;
  font-size: 14px;
  font-weight: 700;
  color: #fff;
  margin-bottom: 16px;
  letter-spacing: 0.5px;
}
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a { color: rgba(255,255,255,0.6); font-size: 14px; }
.footer-col ul li a:hover { color: var(--red); }
.contact-list li { display: flex; align-items: center; gap: 10px; color: rgba(255,255,255,0.6); font-size: 14px; }
.contact-list li svg { width: 16px; height: 16px; color: var(--red); flex-shrink: 0; }
.contact-list li a { color: rgba(255,255,255,0.6); }
.contact-list li a:hover { color: #fff; }
.social-links { display: flex; gap: 10px; }
.social-links a {
  width: 36px; height: 36px; border-radius: 8px;
  background: rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.6);
  transition: var(--transition);
}
.social-links a:hover { background: var(--red); color: #fff; }
.social-links svg { width: 16px; height: 16px; }
.footer-bottom {
  padding: 20px 0;
  text-align: center;
}
.footer-bottom p { color: rgba(255,255,255,0.4); font-size: 12px; line-height: 1.8; }
.footer-bottom a { color: rgba(255,255,255,0.5); }
.footer-bottom a:hover { color: var(--red); }
.disclaimer { font-size: 11px !important; color: rgba(255,255,255,0.25) !important; margin-top: 6px; }

/* ---- ALERT BOXES ---- */
.alert { padding: 16px 20px; border-radius: 8px; font-size: 14px; margin-bottom: 20px; }
.alert-success { background: #e8f8ef; border: 1px solid #4caf50; color: #2e7d32; }
.alert-error { background: #fce8e9; border: 1px solid #e53935; color: #c62828; }

/* ---- ANIMATIONS ---- */
.fade-in { opacity: 0; transform: translateY(24px); transition: opacity 0.6s ease, transform 0.6s ease; }
.fade-in.visible { opacity: 1; transform: translateY(0); }
.fade-in-delay-1 { transition-delay: 0.1s; }
.fade-in-delay-2 { transition-delay: 0.2s; }
.fade-in-delay-3 { transition-delay: 0.3s; }


/* ---- RESPONSIVE ---- */
@media (max-width: 1024px) {
  .hero-slider-grid { gap: 36px; }
  .quick-grid { grid-template-columns: repeat(3, 1fr); }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .values-inner, .why-inner, .partners-inner, .testimonials-inner { grid-template-columns: 1fr; gap: 48px; }
  .cta-inner { grid-template-columns: 1fr; }
  .legal-inner { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .header-top-right .header-top-link { display: none; }
  .header-search { display: none; }
  .main-nav { display: none; position: fixed; top: 64px; left: 0; right: 0; background: #fff; border-top: 1px solid var(--border); box-shadow: var(--shadow-lg); max-height: calc(100vh - 64px); overflow-y: auto; }
  .main-nav.open { display: block; animation: navIn 0.2s ease; }
  .nav-inner { flex-direction: column; align-items: stretch; height: auto; padding: 8px 0; gap: 0; }
  .main-nav a { height: auto; padding: 13px 18px; font-size: 15px; border-bottom: none; border-left: 3px solid transparent; }
  .main-nav a:hover, .main-nav a.active { border-bottom-color: transparent; border-left-color: var(--red); background: var(--gray-bg); }
  .nav-home { display: none; }
  .nav-dropdown-menu { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: none; padding: 0 0 0 14px; min-width: 0; display: none; }
  .nav-dropdown.open .nav-dropdown-menu { display: block; }
  .nav-dropdown > a { justify-content: space-between; }
  .burger { display: flex; }
  .hero-slider-section { padding: 32px 0 40px; }
  .hero-slider-grid { grid-template-columns: 1fr; gap: 28px; }
  .hero-slider-media { order: -1; aspect-ratio: 16/10; }
  .hero-slide-text h1 { font-size: 24px; }
  .hero-slider-btns { flex-direction: column; align-items: stretch; }
  .hero-slider-btns .btn { justify-content: center; }
  .hero-text h1 { font-size: 30px; }
  .hero-btns { flex-direction: column; align-items: stretch; }
  .hero-btns .btn { justify-content: center; }
  .hero-trust { flex-direction: column; gap: 10px; }
  .services { padding: 60px 0; }
  .services-grid { grid-template-columns: 1fr; }
  .quick-grid { grid-template-columns: repeat(2, 1fr) !important; }
  .stats-bar { padding: 24px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 16px; }
  .stat-number { font-size: 28px; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .form-grid { grid-template-columns: 1fr; }
  .contact-boxes { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .container { padding: 0 18px; }
  .section-title { font-size: clamp(26px, 7vw, 34px); }
  .btn-lg { padding: 14px 28px; font-size: 15px; width: 100%; justify-content: center; }
  .cta-buttons { width: 100%; }
  .cta-buttons .btn { width: 100%; justify-content: center; }
  .info-banner { flex-direction: column; align-items: stretch !important; text-align: center; }
  .guide-cards-grid { grid-template-columns: 1fr !important; }
}

@media (max-width: 480px) {
  .hero-text h1 { font-size: 26px; }
  .section-title { font-size: 24px; }
  .logo { font-size: 18px; }
  .logo-a { width: 30px; height: 30px; font-size: 16px; }
}

/* ---- BURGER -> X ANIMATION ---- */
.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); }

@keyframes navIn { from { opacity: 0; transform: translateY(-8px); } to { opacity: 1; transform: translateY(0); } }

/* ---- TOPBAR / SVG ICONS SIZING ---- */
.header-top-link svg { width: 14px; height: 14px; flex-shrink: 0; }
.icon-circle { display: inline-flex; align-items: center; justify-content: center; flex-shrink: 0; }

/* ---- GENERIC CARD HOVER (sober border accent, no lift) ---- */
.lift-card { border-top: 3px solid transparent !important; transition: var(--transition); }
.lift-card:hover { border-top-color: var(--red) !important; box-shadow: var(--shadow); }

/* ---- BUTTON FOCUS / TOUCH ---- */
.btn:active { transform: scale(0.97); }
a, button { -webkit-tap-highlight-color: transparent; }

/* ---- SMOOTH PAGE LOAD ---- */
body { animation: pageFade 0.4s ease; }
@keyframes pageFade { from { opacity: 0; } to { opacity: 1; } }

/* ---- MISE EN PAGE DIFFÉRENCIÉE (photos / textes) ----
   Ces règles inversent volontairement la position des images par rapport
   à la plateforme de référence, pour obtenir une mise en page distincte
   sans avoir à réécrire chaque page.
*/
/* Hero : média à gauche, texte à droite (inverse de la référence) */
@media(min-width:769px) {
  .hero-slider-grid { grid-template-columns: 0.95fr 1.05fr; }
}
.hero-slider-media { order: 1; }
.hero-slider-text { order: 2; }

/* Section "Nos Valeurs" : image à droite, texte à gauche */
.values-inner > *:nth-child(1) { order: 2; }
.values-inner > *:nth-child(2) { order: 1; }

/* Section "Pourquoi JERDEL FINANCE" : image à gauche, texte à droite */
.why-inner > *:nth-child(1) { order: 2; }
.why-inner > *:nth-child(2) { order: 1; }

/* Témoignages : texte à gauche, photo à droite */
.testimonials-inner > *:nth-child(1) { order: 2; }
.testimonials-inner > *:nth-child(2) { order: 1; }

/* Pages "Qui Sommes-Nous" et fiches financement : blocs inversés */
.about-layout > *:nth-child(1) { order: 2; }
.about-layout > *:nth-child(2) { order: 1; }
.loan-layout > *:nth-child(1) { order: 2; }
.loan-layout > *:nth-child(2) { order: 1; }

/* Liste des financements : mise en page en zig-zag (alterne à chaque produit) */
.product-row:nth-of-type(odd) > *:nth-child(1) { order: 2; }
.product-row:nth-of-type(odd) > *:nth-child(2) { order: 1; }

/* Cadre décoratif distinctif autour des photos (au lieu d'un simple rectangle plein cadre) */
.values-image img,
.about-layout img,
.loan-layout img,
.testimonials-inner img {
  border-radius: 10px 10px 10px 40px;
  box-shadow: 8px 8px 0 var(--accent-3);
}

/* ---- LOAN DETAIL PAGE COMPONENTS ---- */
.loan-hero-badges { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 20px; }
.loan-hero-badges span {
  background: var(--gray-bg);
  border: 1px solid var(--border);
  border-radius: 30px;
  padding: 6px 14px;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--navy);
  display: inline-flex;
  align-items: center;
  gap: 7px;
}
.loan-hero-badges svg { width: 14px; height: 14px; color: var(--red); }
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-top: 40px; counter-reset: step; }
.step-card { position: relative; background: #fff; border: 1px solid var(--border); border-top: 3px solid transparent; border-radius: var(--radius); padding: 26px 20px; transition: var(--transition); }
.step-card:hover { border-top-color: var(--red); box-shadow: var(--shadow); }
.step-number { font-family: 'Poppins', sans-serif; font-size: 12.5px; font-weight: 700; color: var(--red); letter-spacing: 1px; margin-bottom: 14px; }
.step-icon { width: 42px; height: 42px; border-radius: var(--radius-sm); background: var(--gray-bg); color: var(--navy); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.step-icon svg { width: 21px; height: 21px; }
.step-card h4 { font-size: 15.5px; font-weight: 700; margin-bottom: 8px; }
.step-card p { font-size: 13.5px; color: var(--gray-text); line-height: 1.55; }
.step-arrow { display: none; }
.related-loans-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin-top: 36px; }
.related-loan-card {
  display: flex; flex-direction: column; gap: 10px;
  background: #fff; border: 1px solid var(--border); border-top: 3px solid transparent; border-radius: var(--radius);
  padding: 20px; transition: var(--transition);
}
.related-loan-card:hover { border-top-color: var(--red); box-shadow: var(--shadow); }
.related-loan-card .icon-circle { width: 40px; height: 40px; background: var(--gray-bg); color: var(--navy); border-radius: var(--radius-sm); }
.related-loan-card .icon-circle svg { width: 19px; height: 19px; }
.related-loan-card h4 { font-size: 14.5px; font-weight: 700; }
.related-loan-card p { font-size: 12.5px; color: var(--gray-text); line-height: 1.5; }
.spec-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 36px; }
.spec-card { background: var(--gray-bg); border-radius: var(--radius); padding: 20px; border-left: 3px solid var(--red); }
.spec-card .label { font-size: 11.5px; color: var(--gray-text); text-transform: uppercase; letter-spacing: 0.8px; margin-bottom: 6px; }
.spec-card .value { font-family: 'Poppins', sans-serif; font-size: 18px; font-weight: 700; color: var(--navy); }

@media (max-width: 1024px) {
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .related-loans-grid { grid-template-columns: repeat(2, 1fr); }
  .spec-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .steps-grid { grid-template-columns: 1fr; }
  .related-loans-grid { grid-template-columns: 1fr; }
  .spec-grid { grid-template-columns: 1fr; }
}

/* ---- REDUCED MOTION ---- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.001ms !important; transition-duration: 0.001ms !important; }
  html { scroll-behavior: auto; }
}