/* ============================================================
   HELEVIX SA — Styles complets conformes Google Ads
   Palette: Bleu marine #0a2540 + Or #c9a227
   ============================================================ */

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

:root {
    --navy: #0a2540;
    --navy-light: #123a5c;
    --navy-dark: #061a2e;
    --gold: #c9a227;
    --gold-light: #ddb94a;
    --gold-pale: rgba(201, 162, 39, 0.08);
    --bg: #ffffff;
    --bg-warm: #faf9f7;
    --bg-alt: #f4f6f8;
    --bg-dark: #061a2e;
    --text: #1a1a2e;
    --text-secondary: #5e6b7a;
    --text-light: #9aa5b1;
    --border: #e8ecf0;
    --border-light: #f0f2f5;
    --shadow: 0 4px 24px rgba(10, 37, 64, 0.06);
    --shadow-lg: 0 12px 40px rgba(10, 37, 64, 0.1);
    --shadow-gold: 0 4px 24px rgba(201, 162, 39, 0.15);
    --radius: 12px;
    --radius-lg: 16px;
    --radius-xl: 20px;
    --max-width: 1180px;
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

html { scroll-behavior: smooth; }

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    color: var(--text);
    background: var(--bg);
    line-height: 1.65;
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}

.container {
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 28px;
}

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

.gold { color: var(--gold); }

/* ===== COOKIE BANNER ===== */
.cookie-banner {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: var(--navy-dark);
    color: #fff;
    padding: 20px 0;
    z-index: 9999;
    box-shadow: 0 -4px 20px rgba(0,0,0,0.2);
    transform: translateY(100%);
    transition: transform 0.4s ease;
}

.cookie-banner.show { transform: translateY(0); }

.cookie-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    flex-wrap: wrap;
}

.cookie-text {
    font-size: 14px;
    color: rgba(255,255,255,0.85);
    line-height: 1.5;
    flex: 1;
    min-width: 280px;
}

.cookie-text a {
    color: var(--gold);
    text-decoration: underline;
}

.cookie-buttons {
    display: flex;
    gap: 10px;
    flex-shrink: 0;
}

.cookie-btn {
    padding: 10px 20px;
    border-radius: 8px;
    font-size: 13px;
    font-weight: 600;
    cursor: pointer;
    border: none;
    transition: var(--transition);
}

.cookie-btn-accept {
    background: var(--gold);
    color: var(--navy-dark);
}

.cookie-btn-accept:hover { background: var(--gold-light); }

.cookie-btn-decline {
    background: transparent;
    color: rgba(255,255,255,0.7);
    border: 1px solid rgba(255,255,255,0.3);
}

.cookie-btn-decline:hover {
    background: rgba(255,255,255,0.1);
    color: #fff;
}

.cookie-btn-settings {
    background: transparent;
    color: var(--gold);
    border: 1px solid var(--gold);
}

.cookie-btn-settings:hover {
    background: var(--gold);
    color: var(--navy-dark);
}

/* ===== RISK WARNING ===== */
.risk-warning {
    background: #fff8e1;
    border-top: 3px solid var(--gold);
    padding: 16px 0;
    text-align: center;
}

.risk-warning p {
    font-size: 13px;
    color: var(--navy);
    font-weight: 500;
    max-width: 900px;
    margin: 0 auto;
    line-height: 1.5;
}

.risk-warning strong {
    color: var(--gold);
}

/* ===== HEADER ===== */
.header {
    position: fixed;
    top: 0; left: 0; right: 0;
    background: rgba(255,255,255,0.95);
    backdrop-filter: blur(16px) saturate(180%);
    border-bottom: 1px solid var(--border-light);
    z-index: 1000;
    transition: var(--transition);
}

.header.scrolled { box-shadow: 0 2px 20px rgba(10,37,64,0.08); }

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

.logo {
    display: flex;
    align-items: center;
    gap: 14px;
}

.logo-img {
    height: 44px;
    width: auto;
    display: block;
}

.logo-img-footer {
    height: 36px;
    width: auto;
    display: block;
}

.logo-text {
    display: flex;
    flex-direction: column;
}

.logo-name {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 24px;
    font-weight: 700;
    color: var(--navy);
    letter-spacing: -0.3px;
    line-height: 1.1;
}

.logo-tagline {
    font-size: 10px;
    color: var(--text-light);
    text-transform: uppercase;
    letter-spacing: 1.4px;
    font-weight: 500;
}

.header-phone {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 14px;
    font-weight: 600;
    color: var(--navy);
    padding: 8px 16px;
    background: var(--gold-pale);
    border-radius: 8px;
    margin-right: 12px;
}

.header-phone svg {
    width: 16px;
    height: 16px;
    color: var(--gold);
}

.nav {
    display: flex;
    align-items: center;
    gap: 28px;
}

.nav a {
    font-size: 14px;
    font-weight: 500;
    color: var(--text-secondary);
    transition: color 0.25s;
    position: relative;
}

.nav a:hover { color: var(--navy); }

.nav a::after {
    content: '';
    position: absolute;
    bottom: -4px; left: 0;
    width: 0; height: 2px;
    background: var(--gold);
    transition: width 0.3s;
}

.nav a:hover::after { width: 100%; }

.nav a.active { color: var(--navy); font-weight: 600; }
.nav a.active::after { width: 100%; }

.btn-nav {
    background: var(--navy) !important;
    color: #fff !important;
    padding: 11px 22px !important;
    border-radius: 8px !important;
    font-size: 13px !important;
    font-weight: 600 !important;
    letter-spacing: 0.3px;
}
.btn-nav:hover { background: var(--navy-light) !important; }
.btn-nav::after { display: none !important; }

.lang-switch {
    display: flex;
    align-items: center;
    gap: 10px;
    padding-left: 16px;
    border-left: 1px solid var(--border);
    margin-left: 4px;
}

.lang-active {
    font-size: 12px; font-weight: 700;
    color: var(--navy);
    background: var(--gold-pale);
    padding: 4px 8px;
    border-radius: 4px;
}

.lang-link {
    font-size: 12px; font-weight: 500;
    color: var(--text-light);
    transition: color 0.2s;
}
.lang-link:hover { color: var(--navy); }

.menu-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 6px;
}

.menu-toggle span {
    display: block;
    width: 24px; height: 2px;
    background: var(--navy);
    transition: 0.3s;
    border-radius: 1px;
}

/* ===== BUTTONS ===== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 15px 36px;
    border-radius: 10px;
    font-size: 15px;
    font-weight: 600;
    cursor: pointer;
    border: none;
    transition: var(--transition);
    text-align: center;
    letter-spacing: 0.2px;
}

.btn-primary {
    background: var(--navy);
    color: #fff;
    box-shadow: 0 4px 16px rgba(10, 37, 64, 0.2);
}

.btn-primary:hover {
    background: var(--navy-light);
    transform: translateY(-2px);
    box-shadow: 0 8px 28px rgba(10, 37, 64, 0.25);
}

.btn-secondary {
    background: transparent;
    color: var(--navy);
    border: 2px solid var(--navy);
}

.btn-secondary:hover {
    background: var(--navy);
    color: #fff;
}

.btn-gold {
    background: var(--gold);
    color: var(--navy-dark);
    font-weight: 700;
    box-shadow: var(--shadow-gold);
}

.btn-gold:hover {
    background: var(--gold-light);
    box-shadow: 0 8px 28px rgba(201, 162, 39, 0.3);
}

.btn-full { width: 100%; }

/* ===== HERO SLIDER (index) ===== */
.hero-slider {
    position: relative;
    height: 100vh;
    min-height: 600px;
    max-height: 900px;
    overflow: hidden;
    background: var(--navy-dark);
}

.slider-container {
    position: relative;
    width: 100%;
    height: 100%;
}

.slide {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    background-color: var(--navy-dark);
    opacity: 0;
    transition: opacity 1s ease-in-out;
    display: flex;
    align-items: center;
}

.slide.active { opacity: 1; }

.slide-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(6,26,46,0.82) 0%, rgba(6,26,46,0.55) 50%, rgba(6,26,46,0.35) 100%);
}

.slide-content {
    position: relative;
    z-index: 2;
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 28px;
    width: 100%;
    padding-top: 80px;
}

.slide-content h1 {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 52px;
    font-weight: 600;
    line-height: 1.15;
    color: #fff;
    margin-bottom: 20px;
    max-width: 700px;
    letter-spacing: -0.5px;
}

.slide-content p {
    font-size: 18px;
    color: rgba(255,255,255,0.75);
    margin-bottom: 36px;
    max-width: 540px;
    line-height: 1.7;
    font-weight: 300;
}

.slide-content .btn-gold {
    padding: 16px 40px;
    font-size: 16px;
}

.slider-nav {
    position: absolute;
    bottom: 40px;
    left: 50%;
    transform: translateX(-50%);
    z-index: 10;
    display: flex;
    align-items: center;
    gap: 20px;
}

.slider-arrow {
    width: 44px; height: 44px;
    border-radius: 50%;
    border: 1px solid rgba(255,255,255,0.3);
    background: rgba(255,255,255,0.1);
    backdrop-filter: blur(8px);
    color: #fff;
    font-size: 16px;
    cursor: pointer;
    transition: var(--transition);
    display: flex;
    align-items: center;
    justify-content: center;
}

.slider-arrow:hover {
    background: var(--gold);
    border-color: var(--gold);
    color: var(--navy-dark);
}

.slider-dots {
    display: flex;
    gap: 10px;
}

.slider-dot {
    width: 10px; height: 10px;
    border-radius: 50%;
    background: rgba(255,255,255,0.35);
    border: none;
    cursor: pointer;
    transition: var(--transition);
}

.slider-dot.active {
    background: var(--gold);
    transform: scale(1.3);
}

.slider-dot:hover { background: rgba(255,255,255,0.7); }

/* ===== STATS ===== */
.stats {
    padding: 64px 0;
    background: var(--bg);
    border-bottom: 1px solid var(--border-light);
    position: relative;
}

.stats::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--navy) 0%, var(--gold) 100%);
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
}

.stat-item {
    text-align: center;
    padding: 16px;
}

.stat-number {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 42px;
    font-weight: 600;
    color: var(--navy);
    line-height: 1;
    margin-bottom: 10px;
    font-variant-numeric: tabular-nums;
}

.stat-label {
    font-size: 13px;
    color: var(--text-secondary);
    line-height: 1.5;
    font-weight: 400;
}

/* ===== SECTIONS COMMUNES ===== */
.section-header {
    text-align: center;
    margin-bottom: 56px;
}

.section-tag {
    display: inline-block;
    font-size: 12px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 2px;
    color: var(--gold);
    margin-bottom: 12px;
    padding: 6px 16px;
    background: var(--gold-pale);
    border-radius: 20px;
}

.section-header h2 {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 40px;
    font-weight: 600;
    margin-bottom: 14px;
    letter-spacing: -0.5px;
    line-height: 1.2;
}

.section-header p {
    font-size: 17px;
    color: var(--text-secondary);
    max-width: 560px;
    margin: 0 auto;
    font-weight: 300;
}

/* ===== CALCULATOR (index) ===== */
.calculator-section {
    padding: 100px 0;
    background: var(--bg-warm);
}

.calculator-grid {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 48px;
    align-items: start;
}

.calculator-controls {
    display: flex;
    flex-direction: column;
    gap: 32px;
}

.control-group {
    background: var(--bg);
    padding: 28px;
    border-radius: var(--radius-lg);
    border: 1px solid var(--border);
    transition: var(--transition);
}

.control-group:hover {
    border-color: var(--gold);
    box-shadow: var(--shadow);
}

.control-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 16px;
    flex-wrap: wrap;
    gap: 12px;
}

.control-group label {
    font-size: 14px;
    font-weight: 600;
    color: var(--text);
}

.input-wrapper {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 10px 14px;
    background: var(--bg-alt);
    border: 2px solid var(--border);
    border-radius: 10px;
    min-width: 160px;
    transition: border-color 0.2s;
}

.input-wrapper:focus-within { border-color: var(--gold); }

.input-wrapper input {
    border: none;
    background: none;
    font-size: 18px;
    font-weight: 600;
    color: var(--text);
    width: 100%;
    outline: none;
    font-family: inherit;
    font-variant-numeric: tabular-nums;
}

.currency, .unit {
    font-size: 13px;
    color: var(--text-light);
    font-weight: 500;
    white-space: nowrap;
}

input[type="range"] {
    width: 100%;
    height: 5px;
    border-radius: 3px;
    background: var(--border);
    outline: none;
    -webkit-appearance: none;
    margin: 12px 0 6px;
}

input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 24px; height: 24px;
    border-radius: 50%;
    background: var(--gold);
    cursor: pointer;
    border: 4px solid #fff;
    box-shadow: 0 2px 10px rgba(201, 162, 39, 0.4);
    transition: transform 0.2s;
}

input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }

input[type="range"]::-moz-range-thumb {
    width: 24px; height: 24px;
    border-radius: 50%;
    background: var(--gold);
    cursor: pointer;
    border: 4px solid #fff;
    box-shadow: 0 2px 10px rgba(201, 162, 39, 0.4);
}

.range-labels {
    display: flex;
    justify-content: space-between;
    font-size: 12px;
    color: var(--text-light);
    margin-top: 4px;
    font-weight: 500;
}

.calculator-result {
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 36px;
    box-shadow: var(--shadow-lg);
    position: sticky;
    top: 100px;
    border-top: 4px solid var(--gold);
}

.result-badge {
    display: inline-block;
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: var(--gold);
    margin-bottom: 20px;
    padding: 4px 12px;
    background: var(--gold-pale);
    border-radius: 4px;
}

.result-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    margin-bottom: 28px;
    padding-bottom: 28px;
    border-bottom: 1px solid var(--border-light);
}

.result-label {
    font-size: 13px;
    color: var(--text-secondary);
    margin-bottom: 6px;
    font-weight: 500;
}

.result-amount {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 44px;
    font-weight: 600;
    color: var(--navy);
    line-height: 1;
    font-variant-numeric: tabular-nums;
}

.result-rate-box { text-align: right; }

.result-rate-value {
    font-size: 26px;
    font-weight: 700;
    color: var(--gold);
}

.result-divider {
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--border), transparent);
    margin: 4px 0 20px;
}

.result-details {
    display: flex;
    flex-direction: column;
    gap: 14px;
    margin-bottom: 28px;
}

.detail-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 15px;
    padding: 4px 0;
}

.detail-row span { color: var(--text-secondary); }

.detail-row strong {
    font-weight: 600;
    color: var(--text);
    font-variant-numeric: tabular-nums;
}

.detail-row.total {
    padding-top: 12px;
    margin-top: 4px;
    border-top: 1px dashed var(--border);
}

.detail-row.total span,
.detail-row.total strong {
    font-size: 16px;
    font-weight: 700;
    color: var(--navy);
}

/* ===== INFO BLOCKS (index) ===== */
.info-blocks {
    padding: 80px 0;
    background: var(--bg);
}

.info-blocks-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
}

.info-block {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0;
    border-radius: var(--radius-xl);
    overflow: hidden;
    border: 1px solid var(--border);
    background: var(--bg);
    min-height: 320px;
}

.info-block:nth-child(even) {
    direction: rtl;
}

.info-block:nth-child(even) > * {
    direction: ltr;
}

.info-block-image {
    position: relative;
    overflow: hidden;
    min-height: 280px;
}

.info-block-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
    transition: transform 0.6s ease;
}

.info-block:hover .info-block-image img {
    transform: scale(1.05);
}

.info-block-content {
    padding: 40px 32px;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.info-block-content h3 {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 24px;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 14px;
    line-height: 1.3;
}

.info-block-content p {
    font-size: 15px;
    color: var(--text-secondary);
    line-height: 1.7;
    font-weight: 300;
    margin-bottom: 20px;
}

.info-block-content .btn {
    align-self: flex-start;
    padding: 12px 28px;
    font-size: 14px;
}

/* ===== FEATURES ===== */
.features {
    padding: 100px 0;
    background: var(--bg);
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}

.feature-card {
    padding: 40px 32px;
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    transition: var(--transition);
    background: var(--bg);
    position: relative;
    overflow: hidden;
}

.feature-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--navy), var(--gold));
    opacity: 0;
    transition: opacity 0.3s;
}

.feature-card:hover {
    box-shadow: var(--shadow-lg);
    transform: translateY(-4px);
    border-color: transparent;
}

.feature-card:hover::before { opacity: 1; }

.feature-num {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 14px;
    font-weight: 600;
    color: var(--gold);
    margin-bottom: 16px;
    letter-spacing: 1px;
}

.feature-card h3 {
    font-size: 20px;
    font-weight: 600;
    margin-bottom: 14px;
    color: var(--navy);
    line-height: 1.3;
}

.feature-card p {
    font-size: 15px;
    color: var(--text-secondary);
    line-height: 1.7;
    font-weight: 300;
}

/* ===== CREDIT TYPES ===== */
.credit-types {
    padding: 100px 0;
    background: var(--bg-alt);
}

.credit-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}

.credit-card {
    background: var(--bg);
    padding: 40px 32px;
    border-radius: var(--radius-xl);
    border: 1px solid var(--border);
    transition: var(--transition);
    position: relative;
}

.credit-card:hover {
    box-shadow: var(--shadow-lg);
    transform: translateY(-4px);
    border-color: transparent;
}

.credit-card.featured {
    border: 2px solid var(--gold);
    box-shadow: var(--shadow-gold);
}

.credit-badge {
    position: absolute;
    top: -1px; right: 28px;
    background: var(--gold);
    color: var(--navy-dark);
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    padding: 6px 14px;
    border-radius: 0 0 8px 8px;
}

.credit-icon {
    width: 48px; height: 48px;
    color: var(--navy);
    margin-bottom: 20px;
}

.credit-icon svg { width: 100%; height: 100%; }

.credit-card h3 {
    font-size: 22px;
    font-weight: 600;
    margin-bottom: 14px;
    color: var(--navy);
}

.credit-card p {
    font-size: 15px;
    color: var(--text-secondary);
    margin-bottom: 20px;
    line-height: 1.65;
    font-weight: 300;
}

.credit-card ul {
    list-style: none;
    font-size: 14px;
}

.credit-card ul li {
    padding: 8px 0;
    color: var(--text-secondary);
    padding-left: 24px;
    position: relative;
    font-weight: 400;
}

.credit-card ul li::before {
    content: "";
    position: absolute;
    left: 0; top: 50%;
    transform: translateY(-50%);
    width: 6px; height: 6px;
    background: var(--gold);
    border-radius: 50%;
}

/* ===== FORM ===== */
.form-section {
    padding: 100px 0;
    background: var(--bg-warm);
}

.form-wrapper {
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: 64px;
    align-items: start;
}

.form-info .section-tag { margin-bottom: 16px; }

.form-info h2 {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 36px;
    font-weight: 600;
    margin-bottom: 18px;
    line-height: 1.2;
}

.form-info > p {
    font-size: 17px;
    color: var(--text-secondary);
    margin-bottom: 28px;
    line-height: 1.7;
    font-weight: 300;
}

.form-benefits {
    list-style: none;
    margin-bottom: 28px;
}

.form-benefits li {
    padding: 10px 0;
    font-size: 15px;
    color: var(--text);
    display: flex;
    align-items: center;
    gap: 12px;
}

.check {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 22px; height: 22px;
    background: var(--gold);
    color: var(--navy-dark);
    border-radius: 50%;
    font-size: 12px;
    font-weight: 700;
    flex-shrink: 0;
}

.form-note {
    padding: 20px;
    background: var(--bg);
    border-radius: var(--radius);
    font-size: 14px;
    color: var(--text-secondary);
    line-height: 1.8;
    border-left: 3px solid var(--gold);
}

.credit-form {
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 40px;
    box-shadow: var(--shadow);
}

.credit-form h3 {
    font-size: 22px;
    font-weight: 600;
    margin-bottom: 28px;
    color: var(--navy);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.form-group { margin-bottom: 18px; }

.form-group label {
    display: block;
    font-size: 13px;
    font-weight: 600;
    color: var(--text);
    margin-bottom: 7px;
}

.form-group input,
.form-group textarea,
.form-group select {
    width: 100%;
    padding: 13px 16px;
    border: 2px solid var(--border);
    border-radius: 10px;
    font-size: 15px;
    font-family: inherit;
    color: var(--text);
    background: var(--bg);
    transition: border-color 0.25s, box-shadow 0.25s;
}

.form-group input:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--gold);
    box-shadow: 0 0 0 3px var(--gold-pale);
}

.form-group textarea {
    resize: vertical;
    min-height: 90px;
}

.form-checkbox {
    display: flex;
    gap: 12px;
    align-items: flex-start;
    margin-bottom: 24px;
}

.form-checkbox input {
    margin-top: 3px;
    width: 20px; height: 20px;
    accent-color: var(--gold);
    flex-shrink: 0;
    cursor: pointer;
}

.form-checkbox label {
    font-size: 13px;
    color: var(--text-secondary);
    line-height: 1.6;
}

.form-checkbox a {
    color: var(--navy);
    text-decoration: underline;
    font-weight: 500;
}

.form-disclaimer {
    font-size: 12px;
    color: var(--text-light);
    text-align: center;
    margin-top: 14px;
}

/* ===== CRITERIA ===== */
.criteria {
    padding: 80px 0;
    background: var(--bg);
    border-top: 1px solid var(--border-light);
}

.criteria-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
}

.criteria-item {
    text-align: center;
    padding: 20px;
}

.criteria-icon {
    width: 52px; height: 52px;
    color: var(--gold);
    margin: 0 auto 18px;
}

.criteria-icon svg { width: 100%; height: 100%; }

.criteria-item h4 {
    font-size: 17px;
    font-weight: 600;
    margin-bottom: 10px;
    color: var(--navy);
}

.criteria-item p {
    font-size: 14px;
    color: var(--text-secondary);
    line-height: 1.7;
    font-weight: 300;
}

/* ===== FOOTER ===== */
.footer {
    background: var(--bg-dark);
    color: #fff;
    padding: 72px 0 28px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 40px;
    margin-bottom: 48px;
}

.footer-brand {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 8px;
}

.footer-logo strong {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 20px;
    font-weight: 600;
    color: #fff;
}

.footer-brand p {
    font-size: 14px;
    color: rgba(255,255,255,0.55);
    line-height: 1.8;
}

.footer-brand a {
    color: rgba(255,255,255,0.75);
    text-decoration: underline;
    transition: color 0.2s;
}

.footer-brand a:hover { color: var(--gold); }

.footer-phone {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-top: 8px;
    font-size: 15px;
    font-weight: 600;
    color: var(--gold);
}

.footer-links h4 {
    font-size: 13px;
    font-weight: 600;
    margin-bottom: 20px;
    color: #fff;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.footer-links a {
    display: block;
    font-size: 14px;
    color: rgba(255,255,255,0.5);
    padding: 8px 0;
    transition: color 0.2s;
}

.footer-links a:hover { color: var(--gold); }

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.08);
    padding-top: 28px;
    text-align: center;
}

.footer-bottom p {
    font-size: 13px;
    color: rgba(255,255,255,0.35);
}

/* ============================================================
   PAGES INTERNES — PAGE HEADER & BREADCRUMB
   ============================================================ */

.page-header {
    padding: 140px 0 80px;
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
    text-align: center;
    position: relative;
    overflow: hidden;
}

.page-header::before {
    content: '';
    position: absolute;
    top: -50%; right: -20%;
    width: 600px; height: 600px;
    background: radial-gradient(circle, var(--gold) 0%, transparent 70%);
    opacity: 0.06;
    pointer-events: none;
}

.page-header h1 {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 44px;
    font-weight: 600;
    color: #fff;
    margin-bottom: 14px;
    letter-spacing: -0.5px;
    position: relative;
    z-index: 1;
}

.page-header p {
    font-size: 18px;
    color: rgba(255,255,255,0.7);
    max-width: 600px;
    margin: 0 auto;
    font-weight: 300;
    position: relative;
    z-index: 1;
}

.page-header .gold { color: var(--gold); }

.breadcrumb {
    padding: 16px 0;
    background: var(--bg-alt);
    border-bottom: 1px solid var(--border-light);
}

.breadcrumb-inner {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    color: var(--text-light);
}

.breadcrumb-inner a:hover { color: var(--navy); }

.breadcrumb-sep { color: var(--text-light); }

.breadcrumb-current {
    color: var(--text-secondary);
    font-weight: 500;
}

/* ============================================================
   PAGES INTERNES — ÜBER UNS
   ============================================================ */

.about-story { padding: 80px 0; background: var(--bg); }

.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: stretch;
}

.about-image {
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    position: relative;
    min-height: 400px;
    max-height: 520px;
    display: flex;
}

.about-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}

.about-image::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, transparent 60%, rgba(10,37,64,0.15) 100%);
    pointer-events: none;
}

.about-text h2 {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 32px;
    font-weight: 600;
    margin-bottom: 20px;
    color: var(--navy);
    line-height: 1.2;
}

.about-text p {
    font-size: 16px;
    color: var(--text-secondary);
    line-height: 1.8;
    margin-bottom: 16px;
    font-weight: 300;
}

.about-text strong {
    color: var(--navy);
    font-weight: 600;
}

.about-philosophy {
    padding: 80px 0;
    background: var(--bg-warm);
}

.philosophy-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}

.philosophy-card {
    background: var(--bg);
    padding: 40px 32px;
    border-radius: var(--radius-xl);
    border: 1px solid var(--border);
    text-align: center;
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.philosophy-card:hover {
    box-shadow: var(--shadow-lg);
    transform: translateY(-4px);
    border-color: transparent;
}

.philosophy-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--navy), var(--gold));
    opacity: 0;
    transition: opacity 0.3s;
}

.philosophy-card:hover::before { opacity: 1; }

.phil-icon {
    width: 56px; height: 56px;
    color: var(--gold);
    margin: 0 auto 20px;
}

.phil-icon svg { width: 100%; height: 100%; }

.philosophy-card h3 {
    font-size: 20px;
    font-weight: 600;
    margin-bottom: 12px;
    color: var(--navy);
}

.philosophy-card p {
    font-size: 15px;
    color: var(--text-secondary);
    line-height: 1.7;
    font-weight: 300;
}

.about-contact {
    padding: 80px 0;
    background: var(--bg);
}

.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    align-items: stretch;
}

.contact-info {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.contact-block {
    padding: 28px;
    background: var(--bg-alt);
    border-radius: var(--radius-lg);
    border-left: 3px solid var(--gold);
}

.contact-block h4 {
    font-size: 14px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--gold);
    margin-bottom: 8px;
}

.contact-block p {
    font-size: 16px;
    color: var(--text);
    line-height: 1.6;
}

.contact-block a {
    color: var(--navy);
    font-weight: 600;
    text-decoration: underline;
    text-underline-offset: 3px;
}

.contact-map {
    border-radius: var(--radius-xl);
    overflow: hidden;
    border: 1px solid var(--border);
    min-height: 300px;
    background: var(--bg-alt);
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
}

.contact-map img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    position: absolute;
    inset: 0;
}

.map-overlay {
    position: relative;
    z-index: 1;
    background: rgba(6,26,46,0.75);
    padding: 40px;
    text-align: center;
    color: #fff;
    width: 100%;
    height: 100%;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
}

.map-overlay h4 {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 24px;
    font-weight: 600;
    margin-bottom: 8px;
}

.map-overlay p {
    font-size: 15px;
    color: rgba(255,255,255,0.8);
    margin-bottom: 16px;
    line-height: 1.6;
}

/* ============================================================
   PAGES INTERNES — ERFAHRUNGSBERICHTE
   ============================================================ */

.trust-bar {
    padding: 48px 0;
    background: var(--bg);
    border-bottom: 1px solid var(--border-light);
}

.trust-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
    text-align: center;
}

.trust-item { padding: 16px; }

.trust-stars {
    font-size: 24px;
    color: var(--gold);
    margin-bottom: 8px;
    letter-spacing: 2px;
}

.trust-value {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 36px;
    font-weight: 600;
    color: var(--navy);
    line-height: 1;
    margin-bottom: 6px;
}

.trust-label {
    font-size: 14px;
    color: var(--text-secondary);
}

.reviews-section {
    padding: 80px 0;
    background: var(--bg-warm);
}

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

.review-card {
    background: var(--bg);
    border-radius: var(--radius-xl);
    padding: 32px;
    border: 1px solid var(--border);
    transition: var(--transition);
    position: relative;
    display: flex;
    flex-direction: column;
    height: 100%;
}

.review-card:hover {
    box-shadow: var(--shadow-lg);
    transform: translateY(-3px);
    border-color: transparent;
}

.review-card::before {
    content: '"';
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 72px;
    color: var(--gold);
    opacity: 0.15;
    position: absolute;
    top: 8px; left: 20px;
    line-height: 1;
    pointer-events: none;
}

.review-header {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 16px;
}

.review-avatar {
    width: 48px; height: 48px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--navy), var(--navy-light));
    color: var(--gold);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 16px;
    font-weight: 700;
    flex-shrink: 0;
}

.review-meta { flex: 1; }

.review-name {
    font-size: 15px;
    font-weight: 600;
    color: var(--navy);
}

.review-location {
    font-size: 13px;
    color: var(--text-light);
}

.review-type {
    display: inline-block;
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.8px;
    color: var(--gold);
    background: var(--gold-pale);
    padding: 4px 10px;
    border-radius: 4px;
    margin-bottom: 12px;
}

.review-text {
    font-size: 15px;
    color: var(--text-secondary);
    line-height: 1.7;
    font-style: italic;
    font-weight: 300;
    flex: 1;
}

.review-stars {
    margin-top: 14px;
    font-size: 14px;
    color: var(--gold);
    letter-spacing: 2px;
}

.verified-badge {
    display: flex;
    align-items: center;
    gap: 12px;
    justify-content: center;
    padding: 24px 32px;
    background: var(--bg);
    border-radius: var(--radius-xl);
    border: 1px solid var(--border);
    margin-top: 48px;
    max-width: 700px;
    margin-left: auto;
    margin-right: auto;
}

.verified-badge svg {
    width: 28px;
    height: 28px;
    color: var(--gold);
    flex-shrink: 0;
}

.verified-badge span {
    font-size: 14px;
    color: var(--text-secondary);
    font-weight: 500;
}

/* ============================================================
   PAGES INTERNES — KREDIT-GRÜNDE
   ============================================================ */

.reasons-hero {
    padding: 80px 0;
    background: var(--bg-warm);
}

.reasons-intro {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 48px;
}

.reasons-intro p {
    font-size: 17px;
    color: var(--text-secondary);
    line-height: 1.7;
    font-weight: 300;
}

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

.reason-card {
    position: relative;
    border-radius: var(--radius-xl);
    overflow: hidden;
    min-height: 380px;
    height: 100%;
    cursor: pointer;
    transition: var(--transition);
}

.reason-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.reason-card img {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
    transition: transform 0.6s ease;
}

.reason-card:hover img { transform: scale(1.05); }

.reason-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(6,26,46,0.2) 0%, rgba(6,26,46,0.85) 100%);
    display: flex;
    flex-direction: column;
    justify-content: flex-end;
    padding: 32px;
    transition: background 0.3s;
    width: 100%;
}

.reason-card:hover .reason-overlay {
    background: linear-gradient(180deg, rgba(6,26,46,0.3) 0%, rgba(6,26,46,0.9) 100%);
}

.reason-overlay h3 {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 24px;
    font-weight: 600;
    color: #fff;
    margin-bottom: 10px;
}

.reason-overlay p {
    font-size: 14px;
    color: rgba(255,255,255,0.75);
    line-height: 1.6;
    margin-bottom: 16px;
    font-weight: 300;
}

.reason-link {
    font-size: 14px;
    font-weight: 600;
    color: var(--gold);
    display: inline-flex;
    align-items: center;
    gap: 6px;
    transition: gap 0.2s;
}

.reason-card:hover .reason-link { gap: 10px; }

.benefits-section {
    padding: 80px 0;
    background: var(--bg);
}

.benefits-list {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    max-width: 800px;
    margin: 0 auto;
}

.benefit-item {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    padding: 20px 24px;
    background: var(--bg-alt);
    border-radius: var(--radius);
    border-left: 3px solid var(--gold);
}

.benefit-check {
    width: 28px; height: 28px;
    background: var(--gold);
    color: var(--navy-dark);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
    font-weight: 700;
    flex-shrink: 0;
    margin-top: 2px;
}

.benefit-text h4 {
    font-size: 16px;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 4px;
}

.benefit-text p {
    font-size: 14px;
    color: var(--text-secondary);
    line-height: 1.5;
}

.process-section {
    padding: 80px 0;
    background: var(--bg-warm);
}

.process-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    position: relative;
    align-items: start;
}

.process-grid::before {
    content: '';
    position: absolute;
    top: 40px;
    left: 12%;
    right: 12%;
    height: 2px;
    background: linear-gradient(90deg, var(--gold), var(--navy));
    opacity: 0.2;
    z-index: 0;
}

.process-step {
    text-align: center;
    position: relative;
    z-index: 1;
    display: flex;
    flex-direction: column;
    align-items: center;
    height: 100%;
}

.process-num {
    width: 80px; height: 80px;
    border-radius: 50%;
    background: var(--bg);
    border: 3px solid var(--gold);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 28px;
    font-weight: 600;
    color: var(--navy);
    margin: 0 auto 20px;
    box-shadow: 0 4px 16px rgba(201,162,39,0.2);
    flex-shrink: 0;
}

.process-step h4 {
    font-size: 17px;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 8px;
    min-height: 44px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.process-step p {
    font-size: 14px;
    color: var(--text-secondary);
    line-height: 1.6;
    font-weight: 300;
}

.mini-review {
    padding: 60px 0;
    background: var(--bg);
    text-align: center;
}

.mini-review blockquote {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 26px;
    font-weight: 500;
    color: var(--navy);
    max-width: 700px;
    margin: 0 auto 20px;
    line-height: 1.4;
    font-style: italic;
}

.mini-review cite {
    font-size: 15px;
    color: var(--text-secondary);
    font-style: normal;
    font-weight: 500;
}

.mini-review cite::before {
    content: '— ';
    color: var(--gold);
}

.double-cta {
    padding: 60px 0;
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
    text-align: center;
}

.double-cta h3 {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 28px;
    font-weight: 600;
    color: #fff;
    margin-bottom: 24px;
}

.double-cta-buttons {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
}

.double-cta .btn-secondary {
    border-color: rgba(255,255,255,0.4);
    color: #fff;
}

.double-cta .btn-secondary:hover {
    background: #fff;
    color: var(--navy);
    border-color: #fff;
}

/* ============================================================
   PAGES LÉGALES — IMPRESSUM / DATENSCHUTZ / AGB
   ============================================================ */

.legal-page {
    padding: 60px 0 100px;
    background: var(--bg);
}

.legal-content {
    max-width: 800px;
    margin: 0 auto;
}

.legal-content h2 {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 28px;
    font-weight: 600;
    color: var(--navy);
    margin: 48px 0 20px;
    padding-bottom: 12px;
    border-bottom: 2px solid var(--gold);
}

.legal-content h2:first-child {
    margin-top: 0;
}

.legal-content h3 {
    font-size: 20px;
    font-weight: 600;
    color: var(--navy);
    margin: 32px 0 12px;
}

.legal-content p {
    font-size: 15px;
    color: var(--text-secondary);
    line-height: 1.8;
    margin-bottom: 16px;
    font-weight: 300;
}

.legal-content ul {
    margin: 16px 0 16px 24px;
    font-size: 15px;
    color: var(--text-secondary);
    line-height: 1.8;
    font-weight: 300;
}

.legal-content ul li {
    margin-bottom: 8px;
}

.legal-content strong {
    color: var(--navy);
    font-weight: 600;
}

.legal-content a {
    color: var(--navy);
    text-decoration: underline;
    font-weight: 500;
}

.legal-content a:hover {
    color: var(--gold);
}

/* ============================================================
   RESPONSIVE
   ============================================================ */

@media (max-width: 1024px) {
    .calculator-grid,
    .form-wrapper,
    .about-grid,
    .contact-grid,
    .info-blocks-grid {
        grid-template-columns: 1fr;
    }

    .calculator-result { position: static; }

    .about-image {
        max-height: 400px;
        min-height: 300px;
    }

    .features-grid,
    .credit-grid,
    .philosophy-grid,
    .criteria-grid {
        grid-template-columns: 1fr;
    }

    .reasons-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .reason-card { min-height: 320px; }

    .process-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .process-grid::before { display: none; }

    .process-step h4 { min-height: auto; }

    .reviews-grid { grid-template-columns: repeat(2, 1fr); }

    .benefits-list { grid-template-columns: 1fr; }

    .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }

    .section-header h2 { font-size: 30px; }

    .info-block {
        grid-template-columns: 1fr;
    }

    .info-block:nth-child(even) {
        direction: ltr;
    }

    .info-block-image {
        min-height: 220px;
    }
}

@media (max-width: 900px) {
    .slide-content h1 { font-size: 36px; }

    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 24px;
    }

    .page-header h1 { font-size: 32px; }

    .trust-grid { grid-template-columns: 1fr; gap: 16px; }

    .header-phone { display: none; }

    .footer-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
    .nav {
        position: fixed;
        top: 76px; left: 0; right: 0;
        background: var(--bg);
        flex-direction: column;
        padding: 28px;
        gap: 18px;
        border-bottom: 1px solid var(--border);
        transform: translateY(-150%);
        transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1);
        box-shadow: var(--shadow-lg);
        align-items: flex-start;
    }

    .nav.active { transform: translateY(0); }

    .lang-switch {
        border-left: none;
        padding-left: 0;
        margin-left: 0;
        margin-top: 8px;
    }

    .menu-toggle { display: flex; }

    .hero-slider {
        min-height: 500px;
        height: auto;
        padding: 120px 0 80px;
    }

    .slide-content h1 { font-size: 28px; }
    .slide-content p { font-size: 15px; }

    .stat-number { font-size: 32px; }

    .result-amount { font-size: 34px; }

    .form-row { grid-template-columns: 1fr; }

    .credit-form { padding: 28px; }

    .reasons-grid { grid-template-columns: 1fr; }

    .reason-card {
        min-height: 280px;
        height: auto;
    }

    .process-grid { grid-template-columns: 1fr; }

    .process-step {
        align-items: flex-start;
        text-align: left;
        flex-direction: row;
        gap: 20px;
    }

    .process-num {
        width: 56px; height: 56px;
        font-size: 20px;
        margin: 0;
    }

    .process-step h4 {
        min-height: auto;
        justify-content: flex-start;
    }

    .reviews-grid { grid-template-columns: 1fr; }

    .mini-review blockquote { font-size: 20px; }

    .double-cta h3 { font-size: 22px; }

    .cookie-inner {
        flex-direction: column;
        text-align: center;
    }

    .legal-content h2 { font-size: 24px; }
}

@media (max-width: 480px) {
    .stats-grid { grid-template-columns: 1fr 1fr; }

    .slider-nav { gap: 12px; }

    .slider-arrow {
        width: 36px; height: 36px;
        font-size: 14px;
    }

    .control-header {
        flex-direction: column;
        align-items: flex-start;
    }

    .input-wrapper { width: 100%; }

    .page-header { padding: 120px 0 60px; }
    .page-header h1 { font-size: 26px; }

    .info-block-content { padding: 28px 20px; }
}