/* ============================================================
   euroflex24.com – Shared Stylesheet
   ============================================================ */

/* --- Google Fonts are loaded via <link> in each HTML file --- */

/* ============================================================
   1. CSS Variables
   ============================================================ */
:root {
  --color-dark-blue:  #004257;
  --color-blue:       #085472;
  --color-rain:       #1a6e8a;
  --color-mint:       #bfdb6e;
  --color-sea:        #bed6dd;
  --color-soft:       #e8f1f3;
  --color-muted:      #5a6778;
  --color-white:      #ffffff;
  --color-text:       #1a2533;
  --color-border:     #d4e3ea;

  --font-main:        'Inter', sans-serif;
  --radius-sm:        6px;
  --radius-md:        12px;
  --radius-lg:        20px;

  --shadow-card:      0 4px 20px rgba(0, 66, 87, 0.08);
  --shadow-hover:     0 8px 32px rgba(0, 66, 87, 0.15);

  --transition:       0.25s ease;
  --container-max:    1180px;
}

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

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

body {
  font-family: var(--font-main);
  color: var(--color-text);
  background: var(--color-white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

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

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

ul, ol {
  list-style: none;
}

button, input, select, textarea {
  font-family: inherit;
}

/* ============================================================
   3. Typography
   ============================================================ */
h1, h2, h3, h4, h5, h6 {
  font-weight: 700;
  line-height: 1.2;
  color: var(--color-dark-blue);
}

h1 { font-size: clamp(2rem, 4vw, 3rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); }
h3 { font-size: clamp(1.1rem, 2vw, 1.35rem); }
h4 { font-size: 1.1rem; }

p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

.overline {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--color-rain);
  margin-bottom: 0.75rem;
}

/* ============================================================
   4. Layout Helpers
   ============================================================ */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}

.section {
  padding: 5rem 0;
}

.section--soft  { background: var(--color-soft); }
.section--dark  { background: var(--color-dark-blue); }
.section--white { background: var(--color-white); }

.section-header {
  text-align: center;
  margin-bottom: 3rem;
}
.section-header p {
  color: var(--color-muted);
  font-size: 1.05rem;
  max-width: 600px;
  margin: 0.75rem auto 0;
}

/* ============================================================
   5. Buttons
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.95rem;
  font-weight: 600;
  padding: 0.75rem 1.75rem;
  border-radius: var(--radius-sm);
  border: 2px solid transparent;
  cursor: pointer;
  transition: background var(--transition), color var(--transition),
              transform var(--transition), box-shadow var(--transition);
  white-space: nowrap;
  text-decoration: none;
}
.btn:active { transform: translateY(1px); }

.btn--mint {
  background: var(--color-mint);
  color: var(--color-dark-blue);
  border-color: var(--color-mint);
}
.btn--mint:hover {
  background: #aeca55;
  border-color: #aeca55;
  box-shadow: 0 4px 14px rgba(191, 219, 110, 0.45);
}

.btn--outline-white {
  background: transparent;
  color: var(--color-white);
  border-color: var(--color-white);
}
.btn--outline-white:hover {
  background: var(--color-white);
  color: var(--color-dark-blue);
}

.btn--dark {
  background: var(--color-dark-blue);
  color: var(--color-white);
  border-color: var(--color-dark-blue);
}
.btn--dark:hover {
  background: var(--color-blue);
  border-color: var(--color-blue);
}

.btn--lg {
  font-size: 1.05rem;
  padding: 0.9rem 2.2rem;
}

.btn--full {
  width: 100%;
  justify-content: center;
}

/* ============================================================
   6. Navbar
   ============================================================ */
.navbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--color-dark-blue);
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.2);
}

.navbar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  gap: 1.5rem;
}

/* Logo */
.navbar__logo {
  text-decoration: none;
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  border: none;
  outline: none;
  box-shadow: none;
}
.navbar__logo-img {
  height: 62px;
  width: auto;
  display: block;
  border: none;
  outline: none;
}

/* Desktop nav links */
.navbar__nav {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  flex: 1;
  justify-content: center;
}
.navbar__nav a {
  color: rgba(255,255,255,0.82);
  font-size: 0.92rem;
  font-weight: 500;
  padding: 0.45rem 0.85rem;
  border-radius: var(--radius-sm);
  transition: color var(--transition), background var(--transition);
  text-decoration: none;
}
.navbar__nav a:hover,
.navbar__nav a.active {
  color: var(--color-white);
  background: rgba(255,255,255,0.1);
}
.navbar__nav a.active {
  color: var(--color-mint);
}

/* Right side actions */
.navbar__actions {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-shrink: 0;
}
.navbar__phone {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  color: rgba(255,255,255,0.9);
  font-size: 0.88rem;
  font-weight: 500;
  text-decoration: none;
  transition: color var(--transition);
}
.navbar__phone:hover { color: var(--color-mint); }

/* Hamburger */
.navbar__hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
  border-radius: var(--radius-sm);
  transition: background var(--transition);
}
.navbar__hamburger:hover { background: rgba(255,255,255,0.1); }
.navbar__hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--color-white);
  border-radius: 2px;
  transition: transform var(--transition), opacity var(--transition);
}
.navbar__hamburger.open span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}
.navbar__hamburger.open span:nth-child(2) {
  opacity: 0;
  transform: scaleX(0);
}
.navbar__hamburger.open span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* Mobile menu */
.navbar__mobile {
  display: none;
  flex-direction: column;
  background: var(--color-blue);
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 1rem 1.5rem 1.5rem;
  gap: 0.5rem;
}
.navbar__mobile.open { display: flex; }
.navbar__mobile a {
  color: rgba(255,255,255,0.85);
  font-size: 1rem;
  font-weight: 500;
  padding: 0.65rem 0.75rem;
  border-radius: var(--radius-sm);
  transition: background var(--transition), color var(--transition);
  text-decoration: none;
}
.navbar__mobile a:hover,
.navbar__mobile a.active { background: rgba(255,255,255,0.1); color: var(--color-mint); }
.navbar__mobile .btn { margin-top: 0.5rem; width: 100%; justify-content: center; }
.navbar__mobile .navbar__phone { color: rgba(255,255,255,0.85); font-size: 0.95rem; }

/* ============================================================
   7. Page Hero (internal pages)
   ============================================================ */
.page-hero {
  background: var(--color-dark-blue);
  padding: 4rem 0 3.5rem;
  text-align: center;
}
.page-hero h1 {
  color: var(--color-white);
  margin-bottom: 0.75rem;
}
.page-hero p {
  color: rgba(255,255,255,0.72);
  font-size: 1.1rem;
  max-width: 560px;
  margin: 0 auto;
}

/* ============================================================
   8. Hero Section (homepage)
   ============================================================ */
.hero {
  background: linear-gradient(135deg, var(--color-soft) 0%, var(--color-sea) 100%);
  padding: 5rem 0;
  overflow: hidden;
}
.hero__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.hero__content .overline { color: var(--color-rain); }
.hero__content h1 {
  color: var(--color-dark-blue);
  margin-bottom: 1.25rem;
}
.hero__content p {
  color: var(--color-muted);
  font-size: 1.05rem;
  margin-bottom: 2rem;
}
.hero__cta {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  flex-wrap: wrap;
}
.hero__note {
  font-size: 0.82rem;
  color: var(--color-muted);
  display: flex;
  align-items: center;
  gap: 0.35rem;
}
/* Hero image with decorative mint square behind */
.hero__image {
  position: relative;
  padding: 42px 0 0 42px; /* l'image descend de 42px et se décale de 42px à droite */
}
.hero__image::before {
  content: '';
  position: absolute;
  top: 0;    /* le carré reste en haut à gauche */
  left: 0;
  width: 82%;
  height: 82%;
  background: var(--color-mint);
  border-radius: var(--radius-md);
  z-index: 0;
}
.hero__image img {
  position: relative;
  z-index: 1;
  width: 100%;
  border-radius: var(--radius-md);
  object-fit: cover;
  aspect-ratio: 4/3;
  display: block;
}

/* ============================================================
   9. Steps Section
   ============================================================ */
.steps__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}
.step-card {
  background: var(--color-white);
  border-radius: var(--radius-md);
  padding: 2rem 1.75rem;
  transition: box-shadow var(--transition), transform var(--transition);
}
.step-card:hover {
  box-shadow: var(--shadow-hover);
  transform: translateY(-4px);
}
.step-card__num {
  width: 44px;
  height: 44px;
  background: var(--color-mint);
  color: var(--color-dark-blue);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1rem;
  margin-bottom: 1.25rem;
  flex-shrink: 0;
}
.step-card h3 {
  margin-bottom: 0.6rem;
  color: var(--color-dark-blue);
}
.step-card p { color: var(--color-muted); font-size: 0.95rem; }

/* ============================================================
   10. Quick Access Cards (avec image)
   ============================================================ */
.quick-access {
  padding: 4rem 0;
}
.quick-access__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}
.qa-card {
  display: flex;
  flex-direction: column;
  background: var(--color-white);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 0;
  overflow: hidden;
  text-decoration: none;
  color: var(--color-text);
  transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
}
.qa-card:hover {
  border-color: var(--color-mint);
  box-shadow: var(--shadow-hover);
  transform: translateY(-4px);
}

/* Image en haut de la carte */
.qa-card__img-wrap {
  width: 100%;
  aspect-ratio: 3/2;
  overflow: hidden;
  flex-shrink: 0;
  background: var(--color-soft); /* placeholder si image absente */
}
.qa-card__img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  display: block;
  transition: transform 0.45s ease;
  will-change: auto;
}
.qa-card:hover .qa-card__img-wrap img {
  transform: scale(1.05);
  will-change: transform;
}

/* Numéro (01, 02…) en overlay sur l'image */
.qa-card__num {
  position: relative;
}
.qa-card__num-badge {
  position: absolute;
  top: 12px;
  left: 12px;
  background: var(--color-rain);
  color: var(--color-white);
  font-size: 0.78rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: var(--radius-sm);
  z-index: 2;
}

/* Corps texte */
.qa-card__body {
  padding: 1.35rem 1.4rem 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
  flex: 1;
}
.qa-card h3 {
  font-size: 1rem;
  color: var(--color-rain);
  font-weight: 700;
}
.qa-card p {
  font-size: 0.86rem;
  color: var(--color-muted);
  flex: 1;
}
.qa-card__arrow {
  margin-top: 0.85rem;
  color: var(--color-dark-blue);
  font-weight: 700;
  font-size: 0.8rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
  border: 1.5px solid var(--color-dark-blue);
  padding: 0.5rem 1rem;
  border-radius: var(--radius-sm);
  transition: background var(--transition), color var(--transition);
  width: fit-content;
}
.qa-card:hover .qa-card__arrow {
  background: var(--color-dark-blue);
  color: var(--color-white);
}

/* ============================================================
   11. Reviews Section
   ============================================================ */
.reviews {
  padding: 4rem 0;
  background: var(--color-soft);
}

/* Bloquer les liens profil Google dans le widget Elfsight (widget + modal) */
/* Les flèches de navigation et le bouton "Mehr lesen" restent cliquables */

/* Dans le widget principal */
.elfsight-app-8064c2a6-752f-4889-bf25-2d1974d1de51 a[href*="google"],
.elfsight-app-8064c2a6-752f-4889-bf25-2d1974d1de51 a[href*="goo.gl"],
.elfsight-app-8064c2a6-752f-4889-bf25-2d1974d1de51 a[href*="maps.app"],
.elfsight-app-8064c2a6-752f-4889-bf25-2d1974d1de51 a[href*="search?q"],
/* Dans la fenêtre modale (popup) ouverte par "Mehr lesen" */
.eapps-popup a[href*="google"],
.eapps-popup a[href*="goo.gl"],
.eapps-popup a[href*="maps.app"],
.eapps-popup a[href*="search?q"],
.eapps-google-reviews-popup a[href*="google"],
.eapps-google-reviews-popup a[href*="goo.gl"],
.eapps-reviews-popup a[href*="google"],
.eapps-reviews-popup a[href*="goo.gl"] {
  pointer-events: none !important;
  cursor: default !important;
  text-decoration: none !important;
  color: inherit !important;
}

/* ============================================================
   12. Feature Blocks (image + text)
   ============================================================ */
.feature-block {
  padding: 5rem 0;
}
.feature-block__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.feature-block__inner--reverse {
  direction: rtl;
}
.feature-block__inner--reverse > * {
  direction: ltr;
}
.feature-block__image img {
  width: 100%;
  border-radius: var(--radius-md);
  object-fit: cover;
  aspect-ratio: 4/3;
}
.feature-block__content h2 {
  margin-bottom: 1rem;
}
.feature-block__content p {
  color: var(--color-muted);
  margin-bottom: 1.75rem;
  font-size: 1.02rem;
}

/* ============================================================
   13. Trust / Stats Section  (couleur distincte du footer)
   ============================================================ */
.trust {
  background: linear-gradient(135deg, #085472 0%, #1a6e8a 100%);
  padding: 4.5rem 0;
}
.trust h2 {
  color: var(--color-white);
  text-align: center;
  margin-bottom: 3rem;
}
.trust__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  text-align: center;
}
.trust__stat {
  background: rgba(255,255,255,0.08);
  border-radius: var(--radius-md);
  padding: 2rem 1.5rem;
  border: 1px solid rgba(255,255,255,0.12);
}
.trust__stat-num {
  font-size: 3rem;
  font-weight: 800;
  color: var(--color-mint);
  line-height: 1;
  display: block;
  margin-bottom: 0.5rem;
}
.trust__stat-label {
  color: rgba(255,255,255,0.82);
  font-size: 0.95rem;
  font-weight: 500;
}

/* ============================================================
   14. Credit Cards (Unsere Kredite) – avec image en haut
   ============================================================ */
.credits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}
.credit-card {
  background: var(--color-white);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 0;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
}
.credit-card:hover {
  border-color: var(--color-mint);
  box-shadow: var(--shadow-hover);
  transform: translateY(-4px);
}
/* Image en haut de la carte */
.credit-card__img-wrap {
  width: 100%;
  aspect-ratio: 3/2;
  overflow: hidden;
  background: var(--color-soft);
  flex-shrink: 0;
}
.credit-card__img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  display: block;
  transition: transform 0.45s ease;
  filter: contrast(1.08) saturate(1.06);
}
.credit-card:hover .credit-card__img-wrap img {
  transform: scale(1.04);
}
/* Corps texte */
.credit-card__body {
  padding: 1.25rem 1.5rem 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  flex: 1;
}
.credit-card__category {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--color-rain);
}
.credit-card h3 { color: var(--color-dark-blue); font-size: 1.1rem; }
.credit-card p { color: var(--color-muted); font-size: 0.92rem; flex: 1; margin-bottom: 0.75rem; }
.credit-card__link {
  color: var(--color-dark-blue);
  font-size: 0.82rem;
  font-weight: 700;
  text-decoration: none;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
  border: 1.5px solid var(--color-dark-blue);
  padding: 0.45rem 1rem;
  border-radius: var(--radius-sm);
  width: fit-content;
  margin-top: auto;
  transition: background var(--transition), color var(--transition);
}
.credit-card__link:hover {
  background: var(--color-dark-blue);
  color: var(--color-white);
}

/* ============================================================
   15. Values Cards (Über uns)
   ============================================================ */
.values-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}
.value-card {
  background: var(--color-white);
  border-radius: var(--radius-md);
  padding: 2rem 1.75rem;
  text-align: center;
  transition: box-shadow var(--transition), transform var(--transition);
}
.value-card:hover {
  box-shadow: var(--shadow-hover);
  transform: translateY(-4px);
}
.value-card__icon {
  font-size: 2.5rem;
  margin-bottom: 1rem;
  display: block;
}
.value-card h3 {
  margin-bottom: 0.6rem;
  color: var(--color-dark-blue);
}
.value-card p { color: var(--color-muted); font-size: 0.93rem; }

/* Mission block */
.mission-block {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: start;
}
.mission-block__text h2 { margin-bottom: 1rem; }
.mission-block__text p { color: var(--color-muted); font-size: 1rem; }
.mission-block__highlights {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}
.highlight-item {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}
.highlight-item__icon {
  width: 28px;
  height: 28px;
  background: var(--color-mint);
  color: var(--color-dark-blue);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: 800;
  flex-shrink: 0;
  margin-top: 2px;
}
.highlight-item strong { color: var(--color-dark-blue); font-size: 0.95rem; display: block; margin-bottom: 0.2rem; }
.highlight-item p { color: var(--color-muted); font-size: 0.88rem; margin: 0; }

/* Why grid */
.why-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2rem;
  margin-top: 2.5rem;
}
.why-card {
  background: var(--color-white);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 2rem 1.75rem;
  transition: box-shadow var(--transition), transform var(--transition);
}
.why-card:hover {
  box-shadow: var(--shadow-hover);
  transform: translateY(-3px);
}
.why-card__num {
  font-size: 2rem;
  font-weight: 800;
  color: var(--color-mint);
  line-height: 1;
  margin-bottom: 0.75rem;
}
.why-card h3 { color: var(--color-dark-blue); margin-bottom: 0.5rem; font-size: 1.05rem; }
.why-card p { color: var(--color-muted); font-size: 0.92rem; margin: 0; }

/* ============================================================
   16. Advantages Cards (Investitionskredit)
   ============================================================ */
.advantages-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}
.advantage-card {
  background: var(--color-white);
  border-radius: var(--radius-md);
  padding: 1.75rem 1.5rem;
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  transition: box-shadow var(--transition);
}
.advantage-card:hover { box-shadow: var(--shadow-hover); }
.advantage-card__icon { font-size: 1.6rem; flex-shrink: 0; }
.advantage-card h3 {
  font-size: 1rem;
  color: var(--color-dark-blue);
  margin-bottom: 0.3rem;
}
.advantage-card p { color: var(--color-muted); font-size: 0.88rem; }

/* Who is it for list */
.who-list {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin-top: 1.5rem;
}
.who-list li {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  color: var(--color-muted);
  font-size: 1rem;
}
.who-list li::before {
  content: '✓';
  display: flex;
  align-items: center;
  justify-content: center;
  width: 26px;
  height: 26px;
  background: var(--color-mint);
  color: var(--color-dark-blue);
  border-radius: 50%;
  font-weight: 700;
  font-size: 0.75rem;
  flex-shrink: 0;
}

/* ============================================================
   17. FAQ Accordion
   ============================================================ */
.faq {
  max-width: 780px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}
.faq-item {
  background: var(--color-white);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.faq-item__question {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.25rem 1.5rem;
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-dark-blue);
  transition: background var(--transition);
}
.faq-item__question:hover { background: var(--color-soft); }
.faq-item__chevron {
  width: 22px;
  height: 22px;
  background: var(--color-soft);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  flex-shrink: 0;
  transition: transform var(--transition), background var(--transition);
}
.faq-item.open .faq-item__chevron {
  transform: rotate(180deg);
  background: var(--color-mint);
}
.faq-item__answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding var(--transition);
}
.faq-item.open .faq-item__answer {
  max-height: 500px;
}
.faq-item__answer p {
  padding: 0 1.5rem 1.25rem;
  color: var(--color-muted);
  font-size: 0.95rem;
}

/* ============================================================
   18. Contact Section
   ============================================================ */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 4rem;
  align-items: start;
}
.contact-info {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}
.contact-card {
  background: var(--color-white);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}
.contact-card__icon { font-size: 1.6rem; flex-shrink: 0; }
.contact-card h4 {
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-muted);
  font-weight: 600;
  margin-bottom: 0.35rem;
}
.contact-card a,
.contact-card p {
  color: var(--color-dark-blue);
  font-weight: 600;
  font-size: 0.97rem;
}
.contact-card a:hover { color: var(--color-rain); }
.contact-hours { color: var(--color-muted) !important; font-size: 0.87rem !important; font-weight: 400 !important; }

/* ============================================================
   19. Forms
   ============================================================ */
.form-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-card);
}
.form-intro {
  background: var(--color-soft);
  border-left: 4px solid var(--color-mint);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 1rem 1.25rem;
  margin-bottom: 2rem;
  font-size: 0.95rem;
  color: var(--color-muted);
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
}
.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
}
.form-group--full { grid-column: 1 / -1; }
.form-group label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-dark-blue);
}
.form-group label .req { color: #e05a5a; margin-left: 2px; }

.form-control {
  width: 100%;
  padding: 0.7rem 1rem;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  color: var(--color-text);
  background: var(--color-white);
  transition: border-color var(--transition), box-shadow var(--transition);
  appearance: none;
  -webkit-appearance: none;
}
.form-control:focus {
  outline: none;
  border-color: var(--color-rain);
  box-shadow: 0 0 0 3px rgba(26, 110, 138, 0.12);
}
.form-control.error { border-color: #e05a5a; }
.form-control--select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235a6778' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.5rem;
}
textarea.form-control {
  resize: vertical;
  min-height: 110px;
}

.form-checkbox {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.88rem;
  color: var(--color-muted);
}
.form-checkbox input[type="checkbox"] {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  margin-top: 1px;
  accent-color: var(--color-rain);
  cursor: pointer;
}

.form-security-note {
  text-align: center;
  font-size: 0.82rem;
  color: var(--color-muted);
  margin-top: 1rem;
}

.form-error-msg {
  display: none;
  font-size: 0.78rem;
  color: #e05a5a;
  margin-top: 0.25rem;
}
.form-group.has-error .form-error-msg { display: block; }
.form-group.has-error .form-control { border-color: #e05a5a; }

/* Simple contact form */
.contact-form { display: flex; flex-direction: column; gap: 1.1rem; }
.contact-form .form-group { display: flex; flex-direction: column; gap: 0.4rem; }

/* ============================================================
   19b. Section Divider (séparateur entre sections)
   ============================================================ */
.section-divider {
  border: none;
  height: 3px;
  background: linear-gradient(to right, var(--color-soft) 0%, var(--color-border) 8%, var(--color-rain) 35%, var(--color-mint) 50%, var(--color-rain) 65%, var(--color-border) 92%, var(--color-soft) 100%);
  margin: 0;
  width: 100%;
  display: block;
}

/* ============================================================
   20. CTA Banner
   ============================================================ */
.cta-banner {
  background: var(--color-mint);
  padding: 4rem 0;
  text-align: center;
}
.cta-banner h2 { color: var(--color-dark-blue); margin-bottom: 0.75rem; }
.cta-banner p  { color: var(--color-blue); margin-bottom: 2rem; font-size: 1.05rem; }
/* Bouton CTA avec bords très arrondis (pill shape) */
.cta-banner .btn {
  border-radius: 50px;
  padding-left: 2.75rem;
  padding-right: 2.75rem;
}

/* ============================================================
   21. Danke Page
   ============================================================ */
.danke-page {
  min-height: 80vh;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 5rem 1.5rem;
  background: var(--color-soft);
}
.danke-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 3.5rem 3rem;
  max-width: 560px;
  width: 100%;
  text-align: center;
  box-shadow: var(--shadow-card);
}
.danke-icon {
  width: 72px;
  height: 72px;
  background: var(--color-mint);
  color: var(--color-dark-blue);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  font-weight: 800;
  margin: 0 auto 1.75rem;
}
.danke-card h1 { font-size: 1.9rem; margin-bottom: 1rem; }
.danke-card p { color: var(--color-muted); margin-bottom: 1rem; }
.danke-note {
  background: var(--color-soft);
  border-radius: var(--radius-sm);
  padding: 0.85rem 1.1rem;
  font-size: 0.85rem;
  color: var(--color-muted);
  margin: 1.5rem 0 2rem;
}

/* ============================================================
   22. Footer
   ============================================================ */
.footer {
  background: var(--color-dark-blue);
  color: rgba(255,255,255,0.72);
  padding: 3.5rem 0 1.5rem;
}
.footer__inner {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  gap: 3rem;
  margin-bottom: 2.5rem;
}
.footer__brand .navbar__logo {
  margin-bottom: 1rem;
  display: inline-block;
}
.footer__brand p { font-size: 0.88rem; line-height: 1.6; max-width: 240px; }
.footer__col h4 {
  color: var(--color-white);
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 1rem;
  font-weight: 700;
}
.footer__col ul { display: flex; flex-direction: column; gap: 0.5rem; }
.footer__col ul a {
  color: rgba(255,255,255,0.65);
  font-size: 0.88rem;
  text-decoration: none;
  transition: color var(--transition);
}
.footer__col ul a:hover { color: var(--color-mint); }
.footer__contact a {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: rgba(255,255,255,0.65);
  font-size: 0.88rem;
  text-decoration: none;
  transition: color var(--transition);
  margin-bottom: 0.6rem;
}
.footer__contact a:hover { color: var(--color-mint); }

.footer__bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.82rem;
  flex-wrap: wrap;
  gap: 0.75rem;
}
.footer__bottom a {
  color: rgba(255,255,255,0.5);
  text-decoration: none;
  transition: color var(--transition);
}
.footer__bottom a:hover { color: var(--color-white); }
.footer__bottom-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1.25rem;
}
.footer__bottom-links a { white-space: nowrap; }

/* ============================================================
   23. Scroll-to-top button
   ============================================================ */
.scroll-top {
  position: fixed;
  bottom: 2rem;
  right: 2rem;
  width: 44px;
  height: 44px;
  background: var(--color-dark-blue);
  color: var(--color-white);
  border: none;
  border-radius: 50%;
  cursor: pointer;
  display: none;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  box-shadow: 0 4px 12px rgba(0,0,0,0.25);
  transition: background var(--transition), transform var(--transition);
  z-index: 900;
}
.scroll-top.visible { display: flex; }
.scroll-top:hover { background: var(--color-rain); transform: translateY(-3px); }

/* ============================================================
   24. Form page layout
   ============================================================ */
.kreditanfrage-page {
  background: var(--color-soft);
  padding: 4rem 0 5rem;
}
.kreditanfrage-page .form-wrap {
  max-width: 760px;
  margin: 0 auto;
}

/* ============================================================
   25. Responsive
   ============================================================ */

/* Tablet  ≤ 1024px */
@media (max-width: 1024px) {
  .footer__inner {
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
  }
  .hero__inner {
    gap: 2.5rem;
  }
  .quick-access__grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

/* Tablet ≤ 900px */
@media (max-width: 900px) {
  .steps__grid,
  .credits-grid,
  .values-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .advantages-grid {
    grid-template-columns: 1fr;
  }
  .feature-block__inner,
  .feature-block__inner--reverse {
    grid-template-columns: 1fr;
    direction: ltr;
  }
  .feature-block__inner--reverse .feature-block__image { order: -1; }
  .hero__inner {
    grid-template-columns: 1fr;
  }
  /* Image visible sur mobile, placée AU-DESSUS du texte */
  .hero__image {
    display: block;
    order: -1;
    padding: 0 0 16px 16px; /* carré réduit sur mobile */
  }
  .hero__image::before {
    top: 20px;
    width: 75%;
    height: 75%;
  }
  .contact-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }
  .trust__grid {
    gap: 1.5rem;
  }
  .mission-block { grid-template-columns: 1fr; gap: 2rem; }
  .why-grid { grid-template-columns: 1fr; }
}

/* Mobile ≤ 768px */
@media (max-width: 768px) {
  .navbar__nav,
  .navbar__actions .navbar__phone,
  .navbar__actions .btn {
    display: none;
  }
  .navbar__hamburger { display: flex; }

  .section { padding: 3.5rem 0; }

  .steps__grid,
  .credits-grid,
  .values-grid,
  .trust__grid {
    grid-template-columns: 1fr;
  }
  .quick-access__grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .form-grid {
    grid-template-columns: 1fr;
  }
  .form-card { padding: 1.75rem 1.25rem; }
  .footer__inner {
    grid-template-columns: 1fr;
    gap: 1.75rem;
  }
  .footer__bottom {
    flex-direction: column;
    align-items: flex-start;
    gap: 1rem;
  }
  .footer__bottom-links {
    gap: 0.4rem 1rem;
  }
  .danke-card { padding: 2.5rem 1.5rem; }
  .hero { padding: 3.5rem 0; }
  .page-hero { padding: 3rem 0 2.5rem; }
}

/* Small mobile ≤ 480px */
@media (max-width: 480px) {
  .quick-access__grid {
    grid-template-columns: 1fr;
  }
  .hero__cta {
    flex-direction: column;
    align-items: flex-start;
  }
  .btn--lg { width: 100%; justify-content: center; }
}

/* ============================================================
   Barrierefreiheit – Hero avec image
   ============================================================ */
.bfrei-hero {
  background: #e8f1f3;
  padding: 3rem 0 3.5rem;
}
.bfrei-hero .container {
  display: flex;
  align-items: center;
  gap: 0;
  position: relative;
}
.bfrei-hero__img-wrap {
  flex: 0 0 65%;
  border-radius: 16px;
  overflow: hidden;
  line-height: 0;
}
.bfrei-hero__img {
  width: 100%;
  height: 380px;
  object-fit: cover;
  object-position: center top;
  display: block;
  border-radius: 16px;
}
.bfrei-hero__overlay { display: none; }
.bfrei-hero__card {
  position: relative;
  z-index: 2;
  background: #fff;
  border-radius: 16px;
  padding: 1.75rem 2rem;
  width: 440px;
  max-width: 440px;
  margin-left: -80px;
  box-shadow: 0 8px 40px rgba(0,42,57,0.14);
  flex-shrink: 0;
}
.bfrei-hero__card h1 {
  font-size: clamp(1.2rem, 2vw, 1.55rem);
  color: var(--color-dark-blue);
  margin-bottom: 0.6rem;
}
.bfrei-hero__card p {
  font-size: 0.88rem;
  color: var(--color-muted);
  line-height: 1.65;
  margin: 0;
}
/* Two-column layout */
.bfrei-layout {
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 3rem;
  align-items: start;
  padding: 3rem 0 4rem;
}
.bfrei-sidebar {
  position: sticky;
  top: 90px;
}
.bfrei-toc {
  background: var(--color-soft);
  border-radius: var(--radius-md);
  padding: 1.25rem 1.5rem;
}
.bfrei-toc__label {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-rain);
  margin-bottom: 0.75rem;
  display: block;
}
.bfrei-toc a {
  display: block;
  font-size: 0.875rem;
  color: var(--color-rain);
  padding: 0.35rem 0;
  border-bottom: 1px solid var(--color-border);
  text-decoration: underline;
  line-height: 1.4;
}
.bfrei-toc a:last-child { border-bottom: none; }
.bfrei-toc a:hover { color: var(--color-dark-blue); }
.bfrei-content h2 {
  color: var(--color-dark-blue);
  margin-top: 2.75rem;
  margin-bottom: 0.75rem;
  padding-top: 0.25rem;
  scroll-margin-top: 90px;
}
.bfrei-content h2:first-child { margin-top: 0; }
.bfrei-content p, .bfrei-content li { color: var(--color-muted); line-height: 1.8; }
.bfrei-content ul { list-style: disc; padding-left: 1.4rem; margin-top: 0.5rem; }
.bfrei-content ul li { margin-bottom: 0.4rem; }
@media (max-width: 768px) {
  .bfrei-hero .container { flex-direction: column; gap: 1.5rem; }
  .bfrei-hero__img-wrap { flex: none; width: 100%; }
  .bfrei-hero__img { height: 220px; }
  .bfrei-hero__card { margin-left: 0; max-width: 100%; padding: 1.5rem; }
  .bfrei-layout { grid-template-columns: 1fr; }
  .bfrei-sidebar { position: static; }
}

/* ============================================================
   Cookie Consent Modal
   ============================================================ */
.cookie-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.55);
  z-index: 9000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1rem;
}
.cookie-modal {
  background: #fff;
  border-radius: 12px;
  width: 100%;
  max-width: 560px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.25);
  overflow: hidden;
}
.cookie-modal__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem 1.5rem 0;
}
.cookie-modal__close {
  background: none;
  border: none;
  font-size: 1.4rem;
  cursor: pointer;
  color: var(--color-muted);
  line-height: 1;
  padding: 0;
}
.cookie-modal__close:hover { color: var(--color-dark-blue); }
.cookie-modal__body { padding: 0 1.5rem 0.5rem; }
.cookie-modal__body h2 { font-size: 1.15rem; color: var(--color-dark-blue); margin: 1rem 0 0.5rem; }
.cookie-modal__body p { font-size: 0.875rem; color: var(--color-muted); line-height: 1.6; margin-bottom: 0.25rem; }
.cookie-modal__body a { color: var(--color-rain); text-decoration: underline; }
.cookie-modal__imprint { font-size: 0.78rem; color: var(--color-rain); margin-bottom: 0.75rem !important; }
/* Tabs */
.cookie-tabs {
  display: flex;
  border-bottom: 2px solid #e8f1f3;
  margin-bottom: 1rem;
}
.cookie-tab {
  padding: 0.65rem 1.25rem;
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
  border: none;
  background: none;
  color: var(--color-muted);
  border-bottom: 2px solid transparent;
  margin-bottom: -2px;
}
.cookie-tab.active { color: var(--color-rain); border-bottom-color: var(--color-rain); }
.cookie-tab-panel { display: none; }
.cookie-tab-panel.active { display: block; }
/* Toggle rows */
.cookie-row {
  border: 1px solid #e8f1f3;
  border-radius: 8px;
  padding: 1rem 1.25rem;
  margin-bottom: 0.65rem;
}
.cookie-row__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.cookie-row__title { font-size: 0.95rem; font-weight: 700; color: var(--color-dark-blue); }
.cookie-row__desc { font-size: 0.82rem; color: var(--color-muted); margin-top: 0.35rem; line-height: 1.5; }
/* Toggle switch */
.cookie-toggle {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  flex-shrink: 0;
}
.cookie-toggle input { display: none; }
.cookie-toggle__track {
  width: 44px;
  height: 24px;
  background: #ccc;
  border-radius: 12px;
  position: relative;
  cursor: pointer;
  transition: background 0.25s;
}
.cookie-toggle input:checked + .cookie-toggle__track { background: var(--color-mint); }
.cookie-toggle__track::after {
  content: '';
  position: absolute;
  top: 3px;
  left: 3px;
  width: 18px;
  height: 18px;
  background: #fff;
  border-radius: 50%;
  transition: transform 0.25s;
  box-shadow: 0 1px 3px rgba(0,0,0,0.2);
}
.cookie-toggle input:checked + .cookie-toggle__track::after { transform: translateX(20px); }
.cookie-toggle--locked .cookie-toggle__track { background: var(--color-mint); cursor: not-allowed; }
/* Buttons */
.cookie-modal__footer {
  display: flex;
  gap: 0.65rem;
  padding: 1rem 1.5rem 1.5rem;
  flex-wrap: wrap;
}
.cookie-btn {
  flex: 1;
  min-width: 120px;
  padding: 0.75rem 1rem;
  border-radius: 6px;
  font-size: 0.875rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid #d4e3ea;
  background: #f5f8fa;
  color: var(--color-dark-blue);
  transition: background 0.2s, border-color 0.2s;
  text-align: center;
  line-height: 1.3;
}
.cookie-btn:hover { background: #e8f1f3; border-color: var(--color-sea); }
.cookie-btn--accept {
  background: var(--color-mint);
  border-color: var(--color-mint);
  color: var(--color-dark-blue);
}
.cookie-btn--accept:hover { background: #adc95e; border-color: #adc95e; }

/* ============================================================
   Partner Carousel
   ============================================================ */
.partners-section {
  padding: 72px 0 64px;
  background: var(--color-white);
  overflow: hidden;
}
.partners-section .section-header {
  text-align: center;
  margin-bottom: 48px;
  padding: 0 1rem;
}
.partners-section .section-header p {
  max-width: 680px;
  margin: 0 auto;
  color: var(--color-muted);
  font-size: 1.05rem;
  line-height: 1.7;
}
.partners-row {
  overflow: hidden;
  position: relative;
  margin-bottom: 16px;
}
.partners-row::before,
.partners-row::after {
  content: '';
  position: absolute;
  top: 0; bottom: 0;
  width: 120px;
  z-index: 2;
  pointer-events: none;
}
.partners-row::before {
  left: 0;
  background: linear-gradient(to right, #fff 30%, transparent);
}
.partners-row::after {
  right: 0;
  background: linear-gradient(to left, #fff 30%, transparent);
}
.partners-track {
  display: flex;
  gap: 24px;
  width: max-content;
  animation: partners-scroll-left 25s linear infinite;
  animation-play-state: paused;
  will-change: transform;
}
.partners-track--reverse {
  animation: partners-scroll-right 30s linear infinite;
  animation-play-state: paused;
  will-change: transform;
}
.partners-row:hover .partners-track {
  animation-play-state: running;
}
.partner-logo {
  background: #eef4f6;
  border-radius: 14px;
  padding: 20px 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  min-width: 220px;
  height: 130px;
  flex-shrink: 0;
}
.partner-logo img {
  max-width: 170px;
  max-height: 80px;
  width: auto;
  height: auto;
  object-fit: contain;
}
.pl-name {
  font-weight: 700;
  font-size: 0.85rem;
  color: var(--color-dark-blue);
  text-align: center;
  line-height: 1.3;
}
@keyframes partners-scroll-left {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
@keyframes partners-scroll-right {
  0%   { transform: translateX(-50%); }
  100% { transform: translateX(0); }
}
@media (max-width: 768px) {
  .partners-section { padding: 48px 0; }
  .partner-logo { min-width: 160px; height: 100px; padding: 16px 22px; }
  .partner-logo img { max-width: 130px; max-height: 60px; }
}