/* =============================================
   GFS – Global Financial Solution
   Site Vitrine – CSS Principal
   ============================================= */

:root {
  --primary: #1B2A4A;
  --primary-light: #2d4a8a;
  --primary-dark: #0f1a30;
  --accent: #F5A623;
  --accent-dark: #e8940f;
  --white: #ffffff;
  --gray-50: #f8f9fa;
  --gray-100: #f1f3f5;
  --gray-200: #e9ecef;
  --gray-400: #adb5bd;
  --gray-600: #6c757d;
  --gray-800: #343a40;
  --green: #27ae60;
  --red: #e74c3c;
  --shadow: 0 4px 20px rgba(0,0,0,.08);
  --shadow-lg: 0 10px 40px rgba(0,0,0,.14);
  --radius: 12px;
  --radius-sm: 8px;
  --font: 'Open Sans', 'Helvetica Neue', Arial, sans-serif;
  --transition: all .22s ease;
  --container: 1240px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--font); color: var(--gray-800); background: var(--white); line-height: 1.6; overflow-x: hidden; }
a { text-decoration: none; color: inherit; transition: var(--transition); }
ul { list-style: none; }
img { max-width: 100%; display: block; }
button { cursor: pointer; border: none; background: none; font-family: var(--font); }
input, select, textarea { font-family: var(--font); }
.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.text-accent { color: var(--accent); }

/* ===== SECONDARY BAR (Top nav UBA style) ===== */
.secondary-bar {
  background: var(--primary-dark);
  position: relative;
  z-index: 1001;
}
.secondary-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  height: 38px;
  font-size: 12.5px;
}
.secondary-left { display: flex; gap: 0; }
.secondary-left a {
  color: rgba(255,255,255,.65);
  padding: 0 14px;
  border-right: 1px solid rgba(255,255,255,.1);
  display: flex; align-items: center; height: 38px;
  font-size: 12px;
  transition: var(--transition);
}
.secondary-left a:hover { color: var(--accent); }
.secondary-right { display: flex; align-items: center; gap: 8px; }
.country-selector {
  display: flex; align-items: center; gap: 6px;
  color: rgba(255,255,255,.75);
  font-size: 12px; font-weight: 600;
  padding: 0 12px;
  cursor: pointer;
  border-left: 1px solid rgba(255,255,255,.1);
  height: 38px;
}
.country-selector .flag { font-size: 16px; }
.country-selector i { font-size: 9px; color: rgba(255,255,255,.4); }
.search-btn {
  color: rgba(255,255,255,.65);
  width: 38px; height: 38px;
  display: flex; align-items: center; justify-content: center;
  border-left: 1px solid rgba(255,255,255,.1);
  font-size: 13px;
  transition: var(--transition);
}
.search-btn:hover { color: var(--accent); }
.search-bar {
  background: var(--primary);
  padding: 0;
  max-height: 0;
  overflow: hidden;
  transition: max-height .3s ease, padding .3s ease;
}
.search-bar.open {
  max-height: 80px;
  padding: 12px 0;
}
.search-bar .container { display: flex; gap: 8px; align-items: center; }
.search-bar input {
  flex: 1; padding: 10px 16px;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: var(--radius-sm);
  color: var(--white); font-size: 14px;
}
.search-bar input::placeholder { color: rgba(255,255,255,.5); }
.search-bar input:focus { outline: none; border-color: var(--accent); }
.search-submit {
  background: var(--accent); color: var(--primary);
  padding: 10px 18px; border-radius: var(--radius-sm);
  font-size: 13px; font-weight: 700; cursor: pointer;
  transition: var(--transition);
}
.search-submit:hover { background: var(--accent-dark); }
.search-close {
  color: rgba(255,255,255,.6); font-size: 18px;
  width: 36px; height: 36px;
  display: flex; align-items: center; justify-content: center;
  cursor: pointer;
  transition: var(--transition);
}
.search-close:hover { color: var(--white); }

/* ===== NAVBAR ===== */
.navbar {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  position: sticky; top: 0; z-index: 1000;
  transition: box-shadow .3s;
}
.navbar.scrolled { box-shadow: 0 4px 24px rgba(0,0,0,.12); }
.navbar-inner {
  display: flex; align-items: center;
  height: 68px; gap: 16px;
}

/* Bouton Banque en ligne (style UBA) */
.btn-online-banking {
  display: flex; align-items: center; gap: 8px;
  background: var(--accent);
  color: var(--primary);
  padding: 9px 18px;
  border-radius: 6px;
  font-size: 13px; font-weight: 800;
  white-space: nowrap;
  flex-shrink: 0;
  letter-spacing: .3px;
  transition: var(--transition);
}
.btn-online-banking:hover { background: var(--accent-dark); transform: translateY(-1px); box-shadow: 0 4px 16px rgba(245,166,35,.4); }
.btn-online-banking i { font-size: 12px; }

/* Logo */
.logo { display: flex; align-items: center; gap: 10px; flex-shrink: 0; margin-right: auto; }
.logo-icon {
  display: flex; align-items: center;
  background: var(--primary);
  border-radius: 8px;
  padding: 7px 11px; gap: 1px;
}
.logo-g, .logo-s { font-size: 18px; font-weight: 800; color: var(--white); line-height: 1; }
.logo-f { font-size: 18px; font-weight: 800; color: var(--accent); line-height: 1; }
.logo-text { display: flex; flex-direction: column; }
.logo-name { font-size: 14px; font-weight: 700; color: var(--primary); line-height: 1.2; }
.logo-tagline { font-size: 10px; color: var(--gray-400); }

/* Nav menu */
.nav-menu {
  display: flex; align-items: center; gap: 0;
  height: 100%;
}
.nav-item { position: relative; height: 100%; display: flex; align-items: center; }
.nav-link {
  display: flex; align-items: center; gap: 5px;
  padding: 0 14px;
  font-size: 13px; font-weight: 700;
  color: var(--gray-800);
  height: 68px;
  white-space: nowrap;
  letter-spacing: .2px;
  transition: var(--transition);
  border-bottom: 3px solid transparent;
}
.nav-link i { font-size: 9px; transition: transform .2s; }
.active-link { color: var(--primary); border-bottom-color: var(--accent); }
.nav-item:hover > .nav-link { color: var(--primary); border-bottom-color: var(--accent); }
.nav-item:hover > .nav-link i { transform: rotate(180deg); }

/* ===== MEGA DROPDOWN (style UBA – grille 8 items) ===== */
.mega-dropdown {
  position: fixed;
  top: 106px; /* secondary bar + navbar */
  left: 0; right: 0;
  background: var(--white);
  border-top: 3px solid var(--accent);
  box-shadow: 0 12px 40px rgba(0,0,0,.12);
  padding: 28px 0;
  opacity: 0; visibility: hidden;
  transform: translateY(-8px);
  transition: all .22s ease;
  pointer-events: none;
  z-index: 999;
}
.nav-item.has-mega:hover .mega-dropdown {
  opacity: 1; visibility: visible;
  transform: translateY(0);
  pointer-events: auto;
}
.mega-grid-8 {
  display: grid;
  grid-template-columns: repeat(8, 1fr);
  gap: 8px;
}
.mega-item {
  display: flex; flex-direction: column;
  align-items: center; text-align: center;
  gap: 10px; padding: 18px 12px;
  border-radius: var(--radius);
  color: var(--gray-800);
  font-size: 12.5px; font-weight: 600;
  transition: var(--transition);
  border: 1px solid transparent;
}
.mega-item:hover {
  background: rgba(27,42,74,.04);
  border-color: rgba(27,42,74,.08);
  color: var(--primary);
  transform: translateY(-2px);
}
.mega-item-icon {
  width: 50px; height: 50px;
  background: rgba(27,42,74,.07);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 22px; color: var(--primary);
  transition: var(--transition);
}
.mega-item:hover .mega-item-icon { background: var(--primary); color: var(--accent); }

/* Hamburger */
.hamburger { display: none; flex-direction: column; gap: 5px; padding: 4px; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--primary); border-radius: 2px; transition: var(--transition); }
.hamburger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ===== HERO ===== */
.hero { position: relative; height: 580px; overflow: hidden; }
.hero-slides { height: 100%; }
.hero-slide {
  position: absolute; inset: 0;
  display: flex; align-items: center;
  opacity: 0; transition: opacity .65s ease;
  pointer-events: none;
}
.hero-slide.active { opacity: 1; pointer-events: auto; }

/* Slide backgrounds */
.slide-1 { background: url('../images/hero1.jpg') center/cover no-repeat, linear-gradient(135deg,#1B2A4A,#2d4a8a); }
.slide-2 { background: url('../images/hero2.jpg') center/cover no-repeat, linear-gradient(135deg,#F5A623,#1B2A4A); }
.slide-3 { background: url('../images/hero3.jpg') center/cover no-repeat, linear-gradient(135deg,#0f1a30,#1B2A4A); }
.slide-1:not([style*="url"]), .slide-2:not([style*="url"]), .slide-3:not([style*="url"]) { }

.hero-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(90deg, rgba(15,26,48,.85) 0%, rgba(15,26,48,.45) 60%, transparent 100%);
}
.hero-overlay.dark { background: linear-gradient(90deg, rgba(27,42,74,.88) 0%, rgba(27,42,74,.55) 60%, transparent 100%); }
.hero-content {
  position: relative; z-index: 2;
  max-width: 640px;
}
.hero-sub {
  font-size: 13.5px; font-weight: 600;
  color: var(--accent);
  text-transform: uppercase; letter-spacing: 1px;
  margin-bottom: 16px;
  display: flex; align-items: center; gap: 8px;
}
.hero-sub::before { content:''; display:block; width:28px; height:2px; background:var(--accent); }
.hero h1 {
  font-size: clamp(28px, 3.5vw, 48px);
  font-weight: 800; color: var(--white);
  line-height: 1.18; margin-bottom: 28px;
}
.hero-accent { color: var(--accent); }
.hero-btns { display: flex; gap: 12px; flex-wrap: wrap; }
.btn-hero-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--accent); color: var(--primary);
  padding: 13px 26px; border-radius: var(--radius-sm);
  font-size: 14px; font-weight: 700;
  transition: var(--transition); border: 2px solid var(--accent);
}
.btn-hero-primary:hover { background: var(--accent-dark); border-color: var(--accent-dark); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(245,166,35,.4); }
.btn-hero-outline {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent; color: var(--white);
  padding: 13px 26px; border-radius: var(--radius-sm);
  font-size: 14px; font-weight: 700;
  border: 2px solid rgba(255,255,255,.5);
  transition: var(--transition);
}
.btn-hero-outline:hover { background: rgba(255,255,255,.1); border-color: var(--white); }

/* Slider controls */
.slide-prev, .slide-next {
  position: absolute; top: 50%; transform: translateY(-50%);
  z-index: 10; width: 42px; height: 42px;
  background: rgba(255,255,255,.15); backdrop-filter: blur(4px);
  border-radius: 50%; color: var(--white); font-size: 15px;
  display: flex; align-items: center; justify-content: center;
  transition: var(--transition);
}
.slide-prev { left: 20px; }
.slide-next { right: 20px; }
.slide-prev:hover, .slide-next:hover { background: var(--accent); color: var(--primary); }
.slide-dots {
  position: absolute; bottom: 18px; left: 50%; transform: translateX(-50%);
  display: flex; gap: 8px; z-index: 10;
}
.sdot {
  width: 8px; height: 8px; border-radius: 4px;
  background: rgba(255,255,255,.4); cursor: pointer;
  transition: var(--transition);
}
.sdot.active { width: 24px; background: var(--accent); }

/* ===== ICON LINKS (Quick access comme UBA) ===== */
.icon-links {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  position: relative; z-index: 5;
  box-shadow: 0 4px 20px rgba(0,0,0,.05);
}
.icon-links-grid {
  display: grid;
  grid-template-columns: repeat(8, 1fr);
}
.icon-link-item {
  display: flex; flex-direction: column;
  align-items: center; gap: 10px;
  padding: 22px 12px;
  font-size: 12px; font-weight: 600;
  color: var(--gray-800); text-align: center;
  border-right: 1px solid var(--gray-100);
  transition: var(--transition);
}
.icon-link-item:last-child { border-right: none; }
.icon-link-item:hover { background: var(--primary); color: var(--white); }
.il-icon {
  width: 46px; height: 46px;
  background: rgba(27,42,74,.06);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 20px; color: var(--primary);
  transition: var(--transition);
}
.icon-link-item:hover .il-icon { background: rgba(255,255,255,.15); color: var(--accent); }

/* ===== FEATURE SECTIONS ===== */
.feature-section { padding: 80px 0; background: var(--white); }
.feature-section.alt-bg { background: var(--gray-50); }
.feature-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px; align-items: center;
}
.feature-layout.reverse .feature-visual { order: -1; }

.feat-tag {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(245,166,35,.1);
  border: 1px solid rgba(245,166,35,.3);
  color: var(--accent-dark);
  padding: 6px 14px; border-radius: 20px;
  font-size: 12px; font-weight: 700;
  text-transform: uppercase; letter-spacing: .6px;
  margin-bottom: 16px;
}
.feat-tag.light { background: rgba(255,255,255,.15); color: var(--white); border-color: rgba(255,255,255,.3); }
.feature-content h2 {
  font-size: clamp(24px, 2.8vw, 36px);
  font-weight: 800; color: var(--primary);
  line-height: 1.2; margin-bottom: 16px;
}
.feature-content h2 span { color: var(--accent); }
.feature-content > p { font-size: 15px; color: var(--gray-600); margin-bottom: 22px; line-height: 1.7; }
.feat-list { display: flex; flex-direction: column; gap: 9px; margin-bottom: 28px; }
.feat-list li { font-size: 14px; color: var(--gray-700, #495057); display: flex; align-items: flex-start; gap: 10px; }
.feat-list li i { color: var(--green); margin-top: 3px; flex-shrink: 0; }
.feat-actions { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.btn-feat-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--primary); color: var(--white);
  padding: 12px 24px; border-radius: var(--radius-sm);
  font-size: 14px; font-weight: 700;
  transition: var(--transition);
}
.btn-feat-primary:hover { background: var(--primary-light); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(27,42,74,.3); }
.btn-feat-link {
  display: inline-flex; align-items: center; gap: 6px;
  color: var(--primary); font-size: 14px; font-weight: 700;
  transition: var(--transition);
}
.btn-feat-link:hover { color: var(--accent); gap: 10px; }

/* Feature mockups */
.feature-mockup { padding: 8px; }

/* Transfer mockup */
.mockup-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: 0 20px 60px rgba(27,42,74,.15);
  border: 1px solid var(--gray-200);
  max-width: 380px;
}
.mockup-header {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 20px; font-size: 14px; font-weight: 700; color: var(--primary);
}
.mockup-status { font-size: 11px; font-weight: 700; padding: 3px 10px; border-radius: 12px; }
.mockup-status.success { background: rgba(39,174,96,.1); color: var(--green); }
.mockup-amount {
  font-size: 36px; font-weight: 800; color: var(--primary);
  margin-bottom: 20px; text-align: center;
}
.mockup-amount small { font-size: 16px; color: var(--gray-400); }
.mockup-detail { display: flex; flex-direction: column; gap: 8px; margin-bottom: 20px; }
.mockup-detail > div { display: flex; flex-direction: column; background: var(--gray-50); padding: 10px 14px; border-radius: var(--radius-sm); }
.mockup-detail > div span { font-size: 11px; color: var(--gray-400); margin-bottom: 2px; }
.mockup-detail > div strong { font-size: 13.5px; color: var(--gray-800); }
.arrow-transfer { display: flex; justify-content: center; padding: 4px 0; }
.arrow-transfer i { color: var(--accent); font-size: 20px; }
.mockup-channels { display: flex; gap: 8px; }
.ch-item {
  flex: 1; display: flex; flex-direction: column; align-items: center; gap: 5px;
  padding: 10px 8px; border-radius: var(--radius-sm);
  border: 1.5px solid var(--gray-200);
  font-size: 11px; font-weight: 600; color: var(--gray-600);
  transition: var(--transition);
}
.ch-item img { width: 28px; height: 28px; border-radius: 50%; }
.ch-item.active { border-color: var(--accent); background: rgba(245,166,35,.06); color: var(--primary); }

/* Payment mockup */
.payment-cards { display: flex; flex-direction: column; gap: 10px; max-width: 380px; }
.pay-service-card {
  display: flex; align-items: center; gap: 14px;
  background: var(--white); border-radius: var(--radius);
  padding: 14px 18px;
  border: 1.5px solid var(--gray-200);
  box-shadow: var(--shadow);
  transition: var(--transition);
}
.pay-service-card.active-card { border-color: var(--accent); background: rgba(245,166,35,.04); }
.pay-icon {
  width: 42px; height: 42px; border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 18px; color: var(--white); flex-shrink: 0;
}
.pay-service-card > div { flex: 1; }
.pay-service-card > div strong { display: block; font-size: 14px; color: var(--gray-800); }
.pay-service-card > div span { font-size: 12px; color: var(--gray-400); }
.pay-amount { font-size: 14px; font-weight: 700; color: var(--primary); white-space: nowrap; }
.pay-ussd-badge {
  margin-top: 12px;
  background: var(--primary);
  border-radius: var(--radius);
  padding: 14px 20px;
  display: flex; align-items: center; gap: 12px;
  color: var(--white);
}
.pay-ussd-badge span { font-size: 12px; color: rgba(255,255,255,.65); }
.pay-ussd-badge strong { font-size: 24px; font-weight: 800; color: var(--accent); }

/* Cash/Network mockup */
.network-map {
  background: var(--primary);
  border-radius: var(--radius);
  padding: 24px;
  color: var(--white);
  max-width: 380px;
  box-shadow: 0 20px 60px rgba(27,42,74,.25);
}
.net-title { font-size: 14px; font-weight: 700; color: var(--accent); margin-bottom: 16px; display: flex; align-items: center; gap: 8px; }
.net-stats { display: flex; gap: 0; margin-bottom: 20px; }
.net-stat {
  flex: 1; text-align: center; padding: 12px 8px;
  border-right: 1px solid rgba(255,255,255,.1);
}
.net-stat:last-child { border-right: none; }
.net-stat strong { display: block; font-size: 28px; font-weight: 800; color: var(--accent); }
.net-stat span { font-size: 11px; color: rgba(255,255,255,.65); }
.net-locations { display: flex; flex-direction: column; gap: 8px; }
.net-loc { display: flex; align-items: center; gap: 10px; font-size: 13px; color: rgba(255,255,255,.8); }
.active-dot { color: var(--green) !important; font-size: 8px !important; }
.net-loc i { font-size: 8px; color: rgba(255,255,255,.3); }

/* Account mockup */
.acc-card-visual {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  border-radius: var(--radius);
  padding: 24px;
  color: var(--white);
  margin-bottom: 16px;
  position: relative;
  overflow: hidden;
  max-width: 380px;
  box-shadow: 0 20px 60px rgba(27,42,74,.3);
}
.acc-card-visual::before {
  content: '';
  position: absolute;
  top: -40px; right: -40px;
  width: 150px; height: 150px;
  background: rgba(255,255,255,.06);
  border-radius: 50%;
}
.card-chip {
  width: 36px; height: 28px;
  background: linear-gradient(135deg, #d4a843, #f0c060);
  border-radius: 5px; margin-bottom: 24px;
}
.card-logo-text {
  font-size: 22px; font-weight: 800;
  color: var(--accent); letter-spacing: 2px;
  text-align: right; margin-bottom: 24px;
}
.card-number { font-size: 16px; letter-spacing: 3px; color: rgba(255,255,255,.9); margin-bottom: 20px; }
.card-footer { display: flex; justify-content: space-between; font-size: 13px; color: rgba(255,255,255,.75); text-transform: uppercase; letter-spacing: .5px; }
.acc-info-list { max-width: 380px; }
.acc-info-item {
  display: flex; justify-content: space-between; align-items: center;
  padding: 12px 0; border-bottom: 1px solid var(--gray-100);
  font-size: 13.5px;
}
.acc-info-item span { display: flex; align-items: center; gap: 8px; color: var(--gray-600); }
.acc-info-item span i { color: var(--primary); }
.acc-info-item strong { font-weight: 700; }
.acc-info-item strong.text-green { color: var(--green); }
.acc-info-item strong.text-accent { color: var(--accent); }

/* ===== APP SECTION ===== */
.app-section {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  padding: 80px 0; overflow: hidden; position: relative;
}
.app-section::after {
  content: '';
  position: absolute; bottom: -100px; left: -80px;
  width: 360px; height: 360px;
  background: radial-gradient(circle, rgba(245,166,35,.08) 0%, transparent 70%);
  border-radius: 50%;
}
.app-wrapper { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; position: relative; z-index: 1; }
.app-info-side h2 { font-size: clamp(26px, 3vw, 38px); font-weight: 800; color: var(--white); margin-bottom: 14px; line-height: 1.2; }
.app-info-side > p { font-size: 15px; color: rgba(255,255,255,.75); margin-bottom: 24px; }
.app-feat-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 28px; }
.app-feat-item {
  display: flex; align-items: center; gap: 10px;
  font-size: 13.5px; color: rgba(255,255,255,.8);
}
.app-feat-item i { color: var(--accent); font-size: 16px; width: 20px; }
.app-dl-row { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; }
.btn-playstore {
  display: flex; align-items: center; gap: 12px;
  background: var(--white); color: var(--primary);
  padding: 12px 20px; border-radius: var(--radius-sm);
  transition: var(--transition);
}
.btn-playstore i { font-size: 26px; color: var(--primary); }
.btn-playstore div { display: flex; flex-direction: column; }
.btn-playstore small { font-size: 10px; color: var(--gray-600); }
.btn-playstore strong { font-size: 14px; font-weight: 700; }
.btn-playstore:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,.3); }
.ussd-pill {
  display: flex; align-items: center; gap: 10px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: var(--radius-sm); padding: 12px 16px;
}
.ussd-pill i { color: var(--accent); font-size: 18px; }
.ussd-pill strong { display: block; font-size: 20px; font-weight: 800; color: var(--accent); }
.ussd-pill small { display: block; font-size: 11px; color: rgba(255,255,255,.5); }

/* Phone mockup */
.phone-outer {
  width: 260px; height: 510px;
  background: var(--primary-dark);
  border-radius: 38px;
  padding: 12px;
  box-shadow: 0 30px 80px rgba(0,0,0,.5), inset 0 0 0 2px rgba(255,255,255,.08);
  transform: rotate(-3deg);
  margin: 0 auto;
}
.phone-inner {
  background: var(--white);
  border-radius: 28px; height: 100%;
  overflow: hidden; display: flex; flex-direction: column;
}
.ph-topbar {
  background: var(--primary);
  display: flex; justify-content: space-between; align-items: center;
  padding: 12px 14px;
  font-size: 13px; font-weight: 800; color: var(--white);
}
.ph-logo span { color: var(--accent); font-weight: 400; font-size: 11px; }
.ph-bell { color: var(--accent); }
.ph-balance-block {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  padding: 18px 14px; text-align: center; color: var(--white);
}
.ph-balance-block p { font-size: 10px; color: rgba(255,255,255,.7); margin-bottom: 4px; }
.ph-amount { font-size: 22px; font-weight: 800; }
.ph-amount span { font-size: 13px; color: var(--accent); }
.ph-balance-block small { font-size: 9px; color: rgba(255,255,255,.45); }
.ph-quick-btns { display: grid; grid-template-columns: repeat(4,1fr); gap: 6px; padding: 10px 8px; }
.ph-btn { display: flex; flex-direction: column; align-items: center; gap: 4px; background: var(--gray-50); border-radius: 10px; padding: 8px 4px; }
.ph-btn i { font-size: 15px; color: var(--primary); }
.ph-btn span { font-size: 7.5px; font-weight: 600; color: var(--gray-600); text-align: center; }
.ph-txs { padding: 4px 10px; flex: 1; overflow: hidden; }
.ph-tx-title { font-size: 10px; font-weight: 700; color: var(--gray-800); margin-bottom: 6px; }
.ph-tx { display: flex; justify-content: space-between; align-items: center; padding: 7px 0; border-bottom: 1px solid var(--gray-100); font-size: 10.5px; color: var(--gray-600); }
.ph-tx span { display: flex; align-items: center; gap: 5px; }

/* ===== SIMULATOR ===== */
.simulator-section { background: var(--gray-50); }
.section-header { text-align: center; margin-bottom: 48px; }
.section-badge {
  display: inline-block;
  background: rgba(245,166,35,.1);
  color: var(--accent-dark);
  border: 1px solid rgba(245,166,35,.3);
  padding: 5px 14px; border-radius: 20px;
  font-size: 11.5px; font-weight: 700;
  text-transform: uppercase; letter-spacing: .8px;
  margin-bottom: 12px;
}
.section-header h2 { font-size: clamp(24px, 3vw, 36px); font-weight: 800; color: var(--primary); margin-bottom: 10px; }
.section-header p { font-size: 15px; color: var(--gray-600); max-width: 520px; margin: 0 auto; }
.sim-wrapper {
  display: grid; grid-template-columns: 1.2fr 1fr; gap: 40px; align-items: start;
}
.sim-inputs { background: var(--white); border-radius: var(--radius); padding: 32px; border: 1px solid var(--gray-200); }
.sim-row { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-bottom: 24px; }
.sim-field { display: flex; flex-direction: column; gap: 8px; }
.sim-field label { font-size: 13.5px; font-weight: 700; color: var(--gray-800); }
.sim-field input[type="range"] { width: 100%; accent-color: var(--accent); height: 4px; }
.sim-val-display { font-size: 15px; font-weight: 700; color: var(--primary); }
.credit-type-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px; }
.credit-type-opt {
  display: flex; flex-direction: column; align-items: center;
  text-align: center; gap: 6px; padding: 14px 8px;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-sm); cursor: pointer;
  transition: var(--transition); user-select: none;
}
.credit-type-opt input { display: none; }
.credit-type-opt i { font-size: 22px; color: var(--gray-400); transition: var(--transition); }
.credit-type-opt span { font-size: 12px; font-weight: 700; color: var(--gray-800); }
.credit-type-opt small { font-size: 11px; color: var(--gray-400); }
.credit-type-opt.active, .credit-type-opt:has(input:checked) {
  border-color: var(--accent); background: rgba(245,166,35,.06);
}
.credit-type-opt.active i, .credit-type-opt:has(input:checked) i { color: var(--accent); }
.sim-results { background: var(--primary); border-radius: var(--radius); overflow: hidden; }
.sim-res-header { background: rgba(0,0,0,.2); padding: 16px 24px; font-size: 13px; font-weight: 700; color: rgba(255,255,255,.7); text-transform: uppercase; letter-spacing: .6px; }
.sim-res-main { padding: 28px 24px; border-bottom: 1px solid rgba(255,255,255,.1); }
.sim-mensualite span { display: block; font-size: 13px; color: rgba(255,255,255,.65); margin-bottom: 6px; }
.sim-mensualite strong { font-size: 36px; font-weight: 800; color: var(--accent); }
.sim-res-details { padding: 20px 24px; display: flex; flex-direction: column; gap: 10px; }
.sim-res-row { display: flex; justify-content: space-between; align-items: center; }
.sim-res-row span { font-size: 13px; color: rgba(255,255,255,.6); }
.sim-res-row strong { font-size: 14px; font-weight: 700; color: var(--white); }
.sim-res-row.total { padding-top: 10px; border-top: 1px solid rgba(255,255,255,.1); }
.sim-res-row.total span { font-weight: 700; color: rgba(255,255,255,.85); }
.sim-res-row.total strong { font-size: 16px; color: var(--accent); }
.btn-sim-apply {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  background: var(--accent); color: var(--primary);
  margin: 0 24px 16px; padding: 13px; border-radius: var(--radius-sm);
  font-size: 14px; font-weight: 700; transition: var(--transition);
}
.btn-sim-apply:hover { background: var(--accent-dark); transform: translateY(-1px); }
.sim-disclaimer { font-size: 11px; color: rgba(255,255,255,.35); text-align: center; padding: 0 24px 20px; }

/* ===== ABOUT ===== */
.about-section { background: var(--white); }
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.about-visuals { position: relative; height: 420px; }
.about-img-big {
  position: absolute; top: 0; left: 0; right: 80px; bottom: 60px;
  border-radius: var(--radius);
  display: flex; align-items: flex-end; padding: 20px;
  overflow: hidden;
}
.about-overlay-text {
  background: rgba(0,0,0,.4); backdrop-filter: blur(4px);
  padding: 12px 16px; border-radius: var(--radius-sm);
  color: var(--white);
}
.about-overlay-text strong { display: block; font-size: 14px; font-weight: 700; }
.about-overlay-text span { font-size: 11.5px; color: rgba(255,255,255,.7); }
.about-img-small {
  position: absolute; bottom: 0; right: 0;
  width: 180px; height: 160px;
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-lg);
  border: 4px solid var(--white);
}
.about-years { text-align: center; }
.about-years span { display: block; font-size: 48px; font-weight: 800; color: var(--primary); line-height: 1; }
.about-years small { font-size: 13px; font-weight: 600; color: var(--primary); line-height: 1.3; }
.about-kpi-float {
  position: absolute; top: 20px; right: 100px;
  background: var(--white); border-radius: var(--radius);
  padding: 14px 20px; box-shadow: var(--shadow-lg);
  display: flex; gap: 20px;
}
.kpi-f { text-align: center; }
.kpi-num { display: block; font-size: 22px; font-weight: 800; color: var(--primary); }
.kpi-lab { font-size: 11px; color: var(--gray-600); }
.about-text h2 { font-size: clamp(24px, 3vw, 36px); font-weight: 800; color: var(--primary); margin-bottom: 14px; line-height: 1.25; }
.about-lead { font-size: 15px; font-weight: 500; color: var(--gray-800); margin-bottom: 14px; line-height: 1.7; }
.about-text > p { font-size: 14.5px; color: var(--gray-600); margin-bottom: 28px; }
.about-pillars { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 28px; }
.pillar { display: flex; gap: 12px; align-items: flex-start; }
.pillar-icon {
  width: 40px; height: 40px; flex-shrink: 0;
  background: rgba(27,42,74,.07); border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 17px; color: var(--primary);
}
.pillar h4 { font-size: 13.5px; font-weight: 700; color: var(--primary); margin-bottom: 3px; }
.pillar p { font-size: 12.5px; color: var(--gray-600); }

/* ===== STATS ===== */
.stats-section { background: var(--primary); padding: 56px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(5, 1fr); }
.stat-item { text-align: center; padding: 16px; border-right: 1px solid rgba(255,255,255,.1); }
.stat-item:last-child { border-right: none; }
.stat-icon { font-size: 28px; color: var(--accent); margin-bottom: 12px; opacity: .85; }
.stat-number { font-size: clamp(26px, 2.5vw, 38px); font-weight: 800; color: var(--white); }
.stat-number span { font-size: 20px; }
.stat-label { font-size: 13px; color: rgba(255,255,255,.6); margin-top: 4px; }

/* ===== NEWS ===== */
.news-section { background: var(--gray-50); }
.news-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.news-card { background: var(--white); border-radius: var(--radius); overflow: hidden; border: 1px solid var(--gray-100); box-shadow: var(--shadow); transition: var(--transition); }
.news-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.news-thumb { height: 200px; position: relative; display: flex; align-items: flex-start; padding: 16px; }
.news-thumb.sm { height: 100px; }
.news-tag { background: var(--accent); color: var(--primary); font-size: 10.5px; font-weight: 800; padding: 4px 10px; border-radius: 12px; text-transform: uppercase; }
.news-side { display: flex; flex-direction: column; gap: 12px; }
.news-side .news-card { display: flex; flex-direction: row; }
.news-side .news-thumb { width: 110px; flex-shrink: 0; height: auto; min-height: 100px; border-radius: 0; }
.news-side .news-body { flex: 1; }
.news-body { padding: 16px 18px; }
.news-date { font-size: 12px; color: var(--gray-400); margin-bottom: 8px; display: flex; align-items: center; gap: 6px; }
.news-card h3 { font-size: 15.5px; font-weight: 700; color: var(--primary); margin-bottom: 8px; line-height: 1.4; }
.big-card .news-body h3 { font-size: 18px; }
.news-card p { font-size: 13.5px; color: var(--gray-600); margin-bottom: 14px; }
.news-more { font-size: 13px; font-weight: 700; color: var(--primary); display: inline-flex; align-items: center; gap: 6px; transition: var(--transition); }
.news-more:hover { color: var(--accent); gap: 10px; }
.news-cta { text-align: center; margin-top: 32px; }
.btn-outline-dark {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent; color: var(--primary);
  padding: 12px 26px; border-radius: var(--radius-sm);
  font-size: 14px; font-weight: 700;
  border: 2px solid var(--primary);
  transition: var(--transition);
}
.btn-outline-dark:hover { background: var(--primary); color: var(--white); transform: translateY(-2px); }

/* ===== CONTACT ===== */
.contact-section { background: var(--white); }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start; }
.contact-left h2 { font-size: clamp(24px, 3vw, 36px); font-weight: 800; color: var(--primary); margin-bottom: 12px; line-height: 1.25; }
.contact-left > p { font-size: 14.5px; color: var(--gray-600); margin-bottom: 28px; }
.contact-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 32px; }
.contact-card {
  display: flex; gap: 12px; align-items: flex-start;
  background: var(--gray-50); border-radius: var(--radius);
  padding: 16px; border: 1px solid var(--gray-100);
  transition: var(--transition);
}
.contact-card:hover { border-color: var(--primary); box-shadow: var(--shadow); }
.cc-icon {
  width: 42px; height: 42px; flex-shrink: 0;
  background: rgba(27,42,74,.07); border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 18px; color: var(--primary);
}
.cc-info strong { display: block; font-size: 13px; font-weight: 700; color: var(--primary); margin-bottom: 2px; }
.cc-info span { display: block; font-size: 13px; color: var(--accent); font-weight: 600; }
.cc-info small { font-size: 11.5px; color: var(--gray-400); }

/* FAQ */
.faq-mini h4 { font-size: 15px; font-weight: 700; color: var(--primary); margin-bottom: 14px; }
.faq-item { border: 1px solid var(--gray-200); border-radius: var(--radius-sm); margin-bottom: 8px; overflow: hidden; cursor: pointer; }
.faq-q { display: flex; justify-content: space-between; align-items: center; padding: 14px 16px; font-size: 13.5px; font-weight: 600; color: var(--gray-800); }
.faq-q i { color: var(--primary); transition: transform .2s; flex-shrink: 0; }
.faq-a { padding: 0 16px; font-size: 13px; color: var(--gray-600); max-height: 0; overflow: hidden; transition: all .3s ease; }
.faq-item.open .faq-a { max-height: 120px; padding: 12px 16px; border-top: 1px solid var(--gray-100); }
.faq-item.open .faq-q i { transform: rotate(45deg); }

/* Contact form */
.contact-form-card { background: var(--gray-50); border-radius: var(--radius); padding: 32px; border: 1px solid var(--gray-200); }
.contact-form-card h3 { font-size: 20px; font-weight: 700; color: var(--primary); margin-bottom: 24px; }
.cf-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.cf-group { display: flex; flex-direction: column; gap: 6px; margin-bottom: 16px; }
.cf-group label { font-size: 13px; font-weight: 600; color: var(--gray-800); }
.cf-group input, .cf-group select, .cf-group textarea {
  padding: 11px 14px; border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm); font-size: 14px;
  background: var(--white); transition: var(--transition);
  color: var(--gray-800);
}
.cf-group input:focus, .cf-group select:focus, .cf-group textarea:focus {
  outline: none; border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(27,42,74,.06);
}
.btn-cf-submit {
  width: 100%; display: flex; align-items: center; justify-content: center; gap: 8px;
  background: var(--primary); color: var(--white);
  padding: 13px; border-radius: var(--radius-sm);
  font-size: 14px; font-weight: 700; cursor: pointer;
  transition: var(--transition);
}
.btn-cf-submit:hover { background: var(--primary-light); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(27,42,74,.3); }

/* ===== FOOTER ===== */
.site-footer { }
.footer-main { background: var(--primary-dark); padding: 60px 0 40px; }
.footer-cols { display: grid; grid-template-columns: 1.8fr 1fr 1fr 1fr 1fr; gap: 36px; }
.fc-brand p { font-size: 13.5px; color: rgba(255,255,255,.5); margin: 16px 0 20px; line-height: 1.7; }
.footer-logo-wrap { display: flex; align-items: center; gap: 10px; }
.footer-social-links { display: flex; gap: 8px; margin-bottom: 16px; }
.footer-social-links a {
  width: 34px; height: 34px; border-radius: 8px;
  background: rgba(255,255,255,.07);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,.55); font-size: 14px;
  transition: var(--transition);
}
.footer-social-links a:hover { background: var(--accent); color: var(--primary); }
.footer-badges { display: flex; flex-direction: column; gap: 6px; }
.f-badge {
  display: flex; align-items: center; gap: 8px;
  font-size: 12px; color: rgba(255,255,255,.5);
  background: rgba(255,255,255,.05); padding: 6px 10px; border-radius: 6px;
}
.f-badge i { color: var(--accent); }
.fc h5 { font-size: 12px; font-weight: 800; text-transform: uppercase; letter-spacing: 1px; color: var(--white); margin-bottom: 16px; }
.fc ul { display: flex; flex-direction: column; gap: 8px; }
.fc ul li a { font-size: 13.5px; color: rgba(255,255,255,.5); transition: var(--transition); display: block; }
.fc ul li a:hover { color: var(--accent); padding-left: 4px; }
.footer-bottom { background: var(--black, #0a0a0a); padding: 14px 0; }
.footer-bottom-row { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px; }
.footer-bottom-row p { font-size: 12px; color: rgba(255,255,255,.35); }
.footer-legal-links { display: flex; gap: 16px; flex-wrap: wrap; }
.footer-legal-links a { font-size: 12px; color: rgba(255,255,255,.35); transition: var(--transition); }
.footer-legal-links a:hover { color: var(--accent); }

/* Back to top */
.back-top {
  position: fixed; bottom: 24px; right: 24px;
  width: 44px; height: 44px;
  background: var(--accent); color: var(--primary);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-size: 16px; box-shadow: 0 4px 20px rgba(245,166,35,.4);
  opacity: 0; visibility: hidden; transition: var(--transition); z-index: 900;
}
.back-top.show { opacity: 1; visibility: visible; }
.back-top:hover { transform: translateY(-3px); box-shadow: 0 8px 24px rgba(245,166,35,.5); }

/* ===== RESPONSIVE ===== */
@media (max-width: 1200px) {
  .mega-grid-8 { grid-template-columns: repeat(4, 1fr); }
  .icon-links-grid { grid-template-columns: repeat(4, 1fr); }
  .footer-cols { grid-template-columns: 1fr 1fr 1fr; }
  .fc-brand { grid-column: 1 / -1; display: grid; grid-template-columns: 1fr 1fr; gap: 24px; align-items: start; }
}

@media (max-width: 1024px) {
  .feature-layout { grid-template-columns: 1fr; gap: 36px; }
  .feature-layout.reverse .feature-visual { order: 0; }
  .about-grid, .app-wrapper, .sim-wrapper, .contact-grid { grid-template-columns: 1fr; }
  .about-visuals { height: 280px; }
  .news-grid { grid-template-columns: 1fr; }
  .news-side { flex-direction: column; }
  .stats-grid { grid-template-columns: repeat(3, 1fr); }
  .phone-outer { margin: 0 auto; transform: none; }
}

@media (max-width: 768px) {
  .secondary-bar .secondary-left a:not(:first-child) { display: none; }
  .hamburger { display: flex; }
  .nav-menu {
    position: fixed; top: 106px; left: 0; right: 0; bottom: 0;
    background: var(--white); flex-direction: column; align-items: flex-start;
    padding: 16px; overflow-y: auto; gap: 0;
    transform: translateX(-100%); transition: transform .3s ease;
    z-index: 998; box-shadow: var(--shadow-lg); height: auto;
  }
  .nav-menu.open { transform: translateX(0); }
  .nav-item { height: auto; width: 100%; }
  .nav-link { height: auto; padding: 13px 16px; font-size: 15px; border-bottom: none !important; border-radius: var(--radius-sm); }
  .mega-dropdown { display: none !important; }
  .icon-links-grid { grid-template-columns: repeat(4, 1fr); }
  .mockup-card, .payment-cards, .network-map, .acc-card-visual, .acc-info-list { max-width: 100%; }
  .contact-cards { grid-template-columns: 1fr; }
  .about-pillars { grid-template-columns: 1fr; }
  .credit-type-grid { grid-template-columns: repeat(2, 1fr); }
  .sim-row { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .hero { height: 480px; }
  .hero h1 { font-size: 26px; }
  .hero-btns { flex-direction: column; align-items: flex-start; }
  .cf-row { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .section { padding: 56px 0; }
  .icon-links-grid { grid-template-columns: repeat(2, 1fr); }
  .mega-grid-8 { grid-template-columns: repeat(2, 1fr); }
  .footer-cols { grid-template-columns: 1fr; }
  .fc-brand { display: block; }
  .app-feat-grid { grid-template-columns: 1fr; }
}