/* ============================================
   PRESTAMO NOVA - STYLESHEET
   Charte graphique: Bleu foncé/Teal (#0D4F6C, #1A7A9E) et Vert (#00C853)
   ============================================ */

:root {
    /* Colors - Charte graphique */
    --primary-color: #0D4F6C;
    --primary-dark: #0A3D52;
    --primary-light: #1A7A9E;
    --secondary-color: #00C853;
    --secondary-dark: #00A043;
    --accent-color: #1A7A9E;
    --text-dark: #1A1A1A;
    --text-light: #666666;
    --text-white: #FFFFFF;
    --bg-light: #F5F7FA;
    --bg-white: #FFFFFF;
    --border-color: #E0E0E0;
    --success-color: #00C853;
    --error-color: #E53935;
    
    /* Typography */
    --font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    --font-size-base: 16px;
    --font-weight-normal: 400;
    --font-weight-medium: 500;
    --font-weight-semibold: 600;
    --font-weight-bold: 700;
    
    /* Spacing */
    --spacing-xs: 0.5rem;
    --spacing-sm: 1rem;
    --spacing-md: 1.5rem;
    --spacing-lg: 2rem;
    --spacing-xl: 3rem;
    --spacing-2xl: 4rem;
    
    /* Border Radius */
    --radius-sm: 4px;
    --radius-md: 8px;
    --radius-lg: 12px;
    --radius-xl: 16px;
    
    /* Shadows */
    --shadow-sm: 0 2px 4px rgba(0, 0, 0, 0.1);
    --shadow-md: 0 4px 6px rgba(0, 0, 0, 0.1);
    --shadow-lg: 0 10px 25px rgba(0, 0, 0, 0.15);
    --shadow-xl: 0 20px 40px rgba(0, 0, 0, 0.2);
    
    /* Transitions */
    --transition-fast: 0.2s ease;
    --transition-base: 0.3s ease;
    --transition-slow: 0.5s ease;
}

/* ============================================
   RESET & BASE STYLES
   ============================================ */

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

html {
    scroll-behavior: smooth;
}

body {
    font-family: var(--font-family);
    font-size: var(--font-size-base);
    line-height: 1.6;
    color: var(--text-dark);
    background-color: var(--bg-white);
    overflow-x: hidden;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 var(--spacing-md);
}

/* ============================================
   TYPOGRAPHY
   ============================================ */

h1, h2, h3, h4, h5, h6 {
    font-weight: var(--font-weight-bold);
    line-height: 1.2;
    margin-bottom: var(--spacing-md);
}

h1 { font-size: 2.5rem; }
h2 { font-size: 2rem; }
h3 { font-size: 1.5rem; }
h4 { font-size: 1.25rem; }

p {
    margin-bottom: var(--spacing-sm);
    color: var(--text-light);
}

a {
    text-decoration: none;
    color: inherit;
    transition: color var(--transition-base);
}

/* ============================================
   HEADER & NAVIGATION
   ============================================ */

.header {
    background: var(--bg-white);
    box-shadow: var(--shadow-sm);
    position: sticky;
    top: 0;
    z-index: 1000;
    transition: all var(--transition-base);
}

.navbar {
    padding: var(--spacing-md) 0;
}

.navbar-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
    font-weight: var(--font-weight-bold);
    font-size: 1.25rem;
    color: var(--primary-color);
}

.logo-icon {
    display: flex;
    align-items: center;
}

.logo-text {
    letter-spacing: 0.5px;
}

.logo-image {
    width: 200px;
    height: 60px;
    border-radius: 12px;
}

.nav-menu {
    display: flex;
    list-style: none;
    gap: var(--spacing-lg);
    align-items: center;
}

.nav-menu li a {
    color: var(--text-dark);
    font-weight: var(--font-weight-medium);
    padding: var(--spacing-xs) var(--spacing-sm);
    border-radius: var(--radius-sm);
    transition: all var(--transition-base);
}

.nav-menu li a:hover,
.nav-menu li a.active {
    color: var(--primary-color);
    background: var(--bg-light);
}

.btn-primary-nav {
    background: var(--primary-color);
    color: var(--text-white) !important;
    padding: var(--spacing-xs) var(--spacing-md) !important;
    border-radius: var(--radius-md);
    transition: all var(--transition-base);
}

.btn-primary-nav:hover {
    background: var(--primary-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

.mobile-menu-toggle {
    display: none;
    flex-direction: column;
    gap: 4px;
    background: none;
    border: none;
    cursor: pointer;
    padding: var(--spacing-xs);
}

.mobile-menu-toggle span {
    width: 25px;
    height: 3px;
    background: var(--primary-color);
    border-radius: 2px;
    transition: all var(--transition-base);
}

/* ============================================
   BUTTONS
   ============================================ */

.btn {
    display: inline-flex;
    align-items: center;
    gap: var(--spacing-xs);
    padding: var(--spacing-sm) var(--spacing-lg);
    border: none;
    border-radius: var(--radius-md);
    font-weight: var(--font-weight-semibold);
    font-size: 1rem;
    cursor: pointer;
    transition: all var(--transition-base);
    text-decoration: none;
}

.btn-primary {
    background: var(--primary-color);
    color: var(--text-white);
}

.btn-primary:hover {
    background: var(--primary-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

.btn-secondary {
    background: var(--bg-light);
    color: var(--text-dark);
}

.btn-secondary:hover {
    background: var(--border-color);
}

.btn-large {
    padding: var(--spacing-md) var(--spacing-xl);
    font-size: 1.125rem;
}

/* ============================================
   HERO SECTION
   ============================================ */

.hero {
    position: relative;
    min-height: 600px;
    display: flex;
    align-items: center;
    overflow: hidden;
}

.hero-background {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    z-index: 0;
}

.hero-slider {
    position: relative;
    width: 100%;
    height: 100%;
    overflow: hidden;
}

.hero-slide {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    opacity: 0;
    visibility: hidden;
    animation: slideShow 16s infinite;
    transition: none;
}

.hero-slide:nth-child(1) {
    animation-delay: 0s;
}

.hero-slide:nth-child(2) {
    animation-delay: 4s;
}

.hero-slide:nth-child(3) {
    animation-delay: 8s;
}

.hero-slide:nth-child(4) {
    animation-delay: 12s;
}

@keyframes slideShow {
    0% {
        opacity: 0;
        visibility: hidden;
    }
    1% {
        opacity: 1;
        visibility: visible;
    }
    24% {
        opacity: 1;
        visibility: visible;
    }
    25% {
        opacity: 0;
        visibility: hidden;
    }
    100% {
        opacity: 0;
        visibility: hidden;
    }
}

@media (max-width: 768px) {
    .hero-slide {
        background-size: cover;
        background-position: center;
    }
}

@media (max-width: 480px) {
    .hero-slide {
        background-size: cover;
        background-position: center;
    }
}

.hero-overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, rgba(13, 79, 108, 0.85) 0%, rgba(26, 122, 158, 0.75) 100%);
    z-index: 1;
    pointer-events: none;
}

.hero-content {
    position: relative;
    z-index: 2;
    z-index: 1;
    padding: var(--spacing-2xl) 0;
}

.hero-text {
    max-width: 700px;
    color: var(--text-white);
}

.hero-title {
    font-size: 3.5rem;
    font-weight: var(--font-weight-bold);
    margin-bottom: var(--spacing-md);
    line-height: 1.1;
}

.hero-title .highlight {
    color: var(--secondary-color);
}

.hero-subtitle {
    font-size: 1.25rem;
    margin-bottom: var(--spacing-lg);
    color: rgba(255, 255, 255, 0.9);
    line-height: 1.6;
}

.hero-features {
    display: flex;
    gap: var(--spacing-lg);
    margin-bottom: var(--spacing-xl);
    flex-wrap: wrap;
}

.hero-feature {
    display: flex;
    align-items: center;
    gap: var(--spacing-xs);
    color: rgba(255, 255, 255, 0.95);
}

.hero-feature svg {
    color: var(--secondary-color);
}

.hero-cta {
    display: flex;
    gap: var(--spacing-md);
    flex-wrap: wrap;
}

.hero-scroll {
    position: absolute;
    bottom: var(--spacing-lg);
    left: 50%;
    transform: translateX(-50%);
    color: var(--text-white);
    animation: bounce 2s infinite;
}

@keyframes bounce {
    0%, 100% { transform: translateX(-50%) translateY(0); }
    50% { transform: translateX(-50%) translateY(-10px); }
}

/* ============================================
   PARTNERS SECTION
   ============================================ */

.partners-section {
    padding: var(--spacing-2xl) 0;
    background: var(--bg-light);
    overflow: hidden;
}

.partners-section .section-header {
    text-align: center;
    margin-bottom: var(--spacing-xl);
}

.partners-section .section-title {
    font-size: 2rem;
    color: var(--primary-color);
    margin-bottom: var(--spacing-sm);
}

.partners-section .section-subtitle {
    color: var(--text-light);
    font-size: 1.125rem;
}

.partners-slider {
    position: relative;
    width: 100%;
    overflow: hidden;
    mask-image: linear-gradient(to right, transparent, black 10%, black 90%, transparent);
    -webkit-mask-image: linear-gradient(to right, transparent, black 10%, black 90%, transparent);
}

.partners-track {
    display: flex;
    align-items: center;
    gap: var(--spacing-xl);
    animation: scrollPartners 30s linear infinite;
    will-change: transform;
}

.partners-track:hover {
    animation-play-state: paused;
}

.partner-item {
    flex-shrink: 0;
    width: 180px;
    height: 100px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--bg-white);
    border-radius: var(--radius-md);
    padding: var(--spacing-md);
    box-shadow: var(--shadow-sm);
    transition: transform var(--transition-base), box-shadow var(--transition-base);
}

.partner-item:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
}

.partner-item img {
    max-width: 100%;
    max-height: 80px;
    width: auto;
    height: auto;
    object-fit: contain;
    filter: grayscale(100%);
    opacity: 0.7;
    transition: filter var(--transition-base), opacity var(--transition-base);
}

.partner-item:hover img {
    filter: grayscale(0%);
    opacity: 1;
}

.partner-logo {
    font-size: 1.25rem;
    font-weight: var(--font-weight-bold);
    color: var(--primary-color);
    text-align: center;
    letter-spacing: 0.5px;
    transition: color var(--transition-base);
    display: flex;
    align-items: center;
    justify-content: center;
    width: 100%;
    height: 100%;
}

.partner-item:hover .partner-logo {
    color: var(--secondary-color);
}

/* Styles spécifiques pour chaque banque */
.partner-santander {
    color: #EC0000;
}

.partner-bbva {
    color: #004481;
}

.partner-caixabank {
    color: #0066CC;
}

.partner-sabadell {
    color: #00A8E8;
}

.partner-ing {
    color: #FF6200;
}

.partner-unicaja {
    color: #0066CC;
}

.partner-openbank {
    color: #00A8E8;
}

.partner-evo {
    color: #00C853;
}

.partner-myinvestor {
    color: #1A7A9E;
}

.partner-cooperativo {
    color: #0D4F6C;
}

@keyframes scrollPartners {
    0% {
        transform: translateX(0);
    }
    100% {
        transform: translateX(-50%);
    }
}

@media (max-width: 768px) {
    .partners-section {
        padding: var(--spacing-xl) 0;
    }
    
    .partners-section .section-title {
        font-size: 1.5rem;
    }
    
    .partner-item {
        width: 140px;
        height: 80px;
        padding: var(--spacing-sm);
    }
    
    .partner-item img {
        max-height: 60px;
    }
    
    .partners-track {
        gap: var(--spacing-lg);
    }
}

@media (max-width: 480px) {
    .partners-section .section-title {
        font-size: 1.25rem;
    }
    
    .partners-section .section-subtitle {
        font-size: 1rem;
    }
    
    .partner-item {
        width: 120px;
        height: 70px;
    }
    
    .partner-item img {
        max-height: 50px;
    }
}

/* ============================================
   ANIMATIONS
   ============================================ */

.animate-fade-in {
    animation: fadeIn 0.8s ease-out;
}

.animate-fade-in-delay {
    animation: fadeIn 0.8s ease-out 0.2s both;
}

.animate-fade-in-delay-2 {
    animation: fadeIn 0.8s ease-out 0.4s both;
}

.animate-fade-in-delay-3 {
    animation: fadeIn 0.8s ease-out 0.6s both;
}

@keyframes fadeIn {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* ============================================
   SECTIONS
   ============================================ */

.section-header {
    text-align: center;
    margin-bottom: var(--spacing-2xl);
}

.section-title {
    font-size: 2.5rem;
    color: var(--text-dark);
    margin-bottom: var(--spacing-sm);
}

.section-subtitle {
    font-size: 1.125rem;
    color: var(--text-light);
}

/* Features Section */
.features-section {
    padding: var(--spacing-2xl) 0;
    background: var(--bg-light);
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: var(--spacing-lg);
}

.feature-card {
    background: var(--bg-white);
    padding: var(--spacing-xl);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-base);
    text-align: center;
}

.feature-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.feature-icon {
    color: var(--primary-color);
    margin-bottom: var(--spacing-md);
    display: flex;
    justify-content: center;
}

.feature-card h3 {
    color: var(--text-dark);
    margin-bottom: var(--spacing-sm);
}

.feature-card p {
    color: var(--text-light);
}

/* Stats Section */
.stats-section {
    padding: var(--spacing-2xl) 0;
    background: var(--primary-color);
    color: var(--text-white);
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: var(--spacing-xl);
    text-align: center;
}

.stat-item {
    padding: var(--spacing-lg);
}

.stat-number {
    font-size: 3rem;
    font-weight: var(--font-weight-bold);
    color: var(--secondary-color);
    margin-bottom: var(--spacing-xs);
}

.stat-label {
    font-size: 1.125rem;
    color: rgba(255, 255, 255, 0.9);
}

/* CTA Section */
.cta-section {
    padding: var(--spacing-2xl) 0;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-light) 100%);
    color: var(--text-white);
    text-align: center;
}

.cta-content h2 {
    font-size: 2.5rem;
    margin-bottom: var(--spacing-md);
    color: var(--text-white);
}

.cta-content p {
    font-size: 1.25rem;
    margin-bottom: var(--spacing-xl);
    color: rgba(255, 255, 255, 0.9);
}

/* ============================================
   PAGE HEADER
   ============================================ */

.page-header {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-light) 100%);
    color: var(--text-white);
    padding: var(--spacing-2xl) 0;
    text-align: center;
}

.page-title {
    font-size: 3rem;
    margin-bottom: var(--spacing-sm);
    color: var(--text-white);
}

.page-subtitle {
    font-size: 1.25rem;
    color: rgba(255, 255, 255, 0.9);
}

/* ============================================
   ABOUT PAGE
   ============================================ */

.about-section {
    padding: var(--spacing-2xl) 0;
}

.about-content {
    max-width: 900px;
    margin: 0 auto;
}

.about-text h2 {
    color: var(--primary-color);
    margin-bottom: var(--spacing-md);
}

.about-text p {
    font-size: 1.125rem;
    line-height: 1.8;
    margin-bottom: var(--spacing-md);
}

.values-section {
    padding: var(--spacing-2xl) 0;
    background: var(--bg-light);
}

.values-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: var(--spacing-lg);
}

.value-card {
    background: var(--bg-white);
    padding: var(--spacing-xl);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    text-align: center;
    transition: all var(--transition-base);
}

.value-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.value-icon {
    color: var(--secondary-color);
    margin-bottom: var(--spacing-md);
}

.team-section {
    padding: var(--spacing-2xl) 0;
}

.team-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: var(--spacing-lg);
}

.team-card {
    background: var(--bg-white);
    padding: var(--spacing-xl);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    text-align: center;
    transition: all var(--transition-base);
}

.team-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.team-avatar {
    width: 100px;
    height: 100px;
    margin: 0 auto var(--spacing-md);
    background: var(--bg-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary-color);
}

/* ============================================
   SERVICES PAGE
   ============================================ */

.services-section {
    padding: var(--spacing-2xl) 0;
}

.services-grid {
    display: grid;
    gap: var(--spacing-xl);
}

.service-card {
    background: var(--bg-white);
    padding: var(--spacing-xl);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    border-left: 4px solid var(--secondary-color);
    transition: all var(--transition-base);
}

.service-card:hover {
    transform: translateX(10px);
    box-shadow: var(--shadow-lg);
}

.service-icon {
    color: var(--primary-color);
    margin-bottom: var(--spacing-md);
}

.service-card h2 {
    color: var(--primary-color);
    margin-bottom: var(--spacing-md);
}

.service-features {
    list-style: none;
    margin: var(--spacing-md) 0;
}

.service-features li {
    display: flex;
    align-items: center;
    gap: var(--spacing-xs);
    margin-bottom: var(--spacing-sm);
    color: var(--text-light);
}

.service-features li svg {
    color: var(--secondary-color);
    flex-shrink: 0;
}

.process-section {
    padding: var(--spacing-2xl) 0;
    background: var(--bg-light);
}

.process-steps {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: var(--spacing-lg);
}

.process-step {
    text-align: center;
    position: relative;
}

.step-number {
    width: 60px;
    height: 60px;
    background: var(--primary-color);
    color: var(--text-white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: var(--font-weight-bold);
    margin: 0 auto var(--spacing-md);
}

.process-step h3 {
    color: var(--text-dark);
    margin-bottom: var(--spacing-xs);
}

.process-step p {
    color: var(--text-light);
}

/* ============================================
   CONTACT PAGE
   ============================================ */

.contact-section {
    padding: var(--spacing-2xl) 0;
}

.contact-content {
    display: grid;
    grid-template-columns: 1fr 1.5fr;
    gap: var(--spacing-2xl);
}

.contact-info h2 {
    color: var(--primary-color);
    margin-bottom: var(--spacing-md);
}

.contact-items {
    margin-top: var(--spacing-xl);
}

.contact-item {
    display: flex;
    gap: var(--spacing-md);
    margin-bottom: var(--spacing-xl);
    padding: var(--spacing-md);
    background: var(--bg-light);
    border-radius: var(--radius-md);
}

.contact-icon {
    color: var(--primary-color);
    flex-shrink: 0;
}

.contact-details h3 {
    color: var(--text-dark);
    margin-bottom: var(--spacing-xs);
    font-size: 1.125rem;
}

.contact-details a {
    color: var(--primary-color);
    font-weight: var(--font-weight-semibold);
}

.contact-details p {
    margin: 0;
    font-size: 0.9rem;
}

.contact-form-wrapper {
    background: var(--bg-white);
    padding: var(--spacing-xl);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
}

.contact-form-wrapper h2 {
    color: var(--primary-color);
    margin-bottom: var(--spacing-lg);
}

/* ============================================
   FORMS
   ============================================ */

.form-group {
    margin-bottom: var(--spacing-md);
}

.form-group label {
    display: block;
    margin-bottom: var(--spacing-xs);
    font-weight: var(--font-weight-semibold);
    color: var(--text-dark);
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: var(--spacing-sm);
    border: 2px solid var(--border-color);
    border-radius: var(--radius-md);
    font-family: var(--font-family);
    font-size: 1rem;
    transition: all var(--transition-base);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(13, 79, 108, 0.1);
}

.form-group input.error,
.form-group select.error,
.form-group textarea.error {
    border-color: var(--error-color);
}

.error-message {
    display: block;
    color: var(--error-color);
    font-size: 0.875rem;
    margin-top: var(--spacing-xs);
}

.form-hint {
    font-size: 0.875rem;
    color: var(--text-light);
    margin-top: var(--spacing-xs);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-md);
}

.form-actions {
    display: flex;
    gap: var(--spacing-md);
    justify-content: flex-end;
    margin-top: var(--spacing-xl);
}

.checkbox-group {
    margin-bottom: var(--spacing-md);
}

.checkbox-label {
    display: flex;
    align-items: flex-start;
    gap: var(--spacing-xs);
    cursor: pointer;
}

.checkbox-label input[type="checkbox"] {
    width: auto;
    margin-top: 4px;
}

.checkbox-label span {
    color: var(--text-light);
    font-size: 0.9rem;
}

.checkbox-label a {
    color: var(--primary-color);
    text-decoration: underline;
}

/* ============================================
   LOAN REQUEST FORM
   ============================================ */

.loan-form-section {
    padding: var(--spacing-2xl) 0;
}

.form-section-card {
    background: var(--bg-white);
    padding: var(--spacing-xl);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    margin-bottom: var(--spacing-lg);
}

.country-select {
    width: 100%;
    padding: var(--spacing-sm);
    border: 2px solid var(--border-color);
    border-radius: var(--radius-md);
    font-family: var(--font-family);
    font-size: 1rem;
    background: var(--bg-white);
    cursor: pointer;
}

.country-select:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(13, 79, 108, 0.1);
}

.form-progress {
    display: flex;
    justify-content: center;
    gap: var(--spacing-lg);
    margin-bottom: var(--spacing-2xl);
    flex-wrap: wrap;
}

.progress-step {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: var(--spacing-xs);
    position: relative;
    opacity: 0.5;
    transition: opacity var(--transition-base);
}

.progress-step.active {
    opacity: 1;
}

.progress-step::after {
    content: '';
    position: absolute;
    top: 20px;
    left: 50%;
    width: 100%;
    height: 2px;
    background: var(--border-color);
    z-index: -1;
}

.progress-step:last-child::after {
    display: none;
}

.step-circle {
    width: 40px;
    height: 40px;
    background: var(--bg-light);
    color: var(--text-dark);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: var(--font-weight-bold);
    border: 2px solid var(--border-color);
    transition: all var(--transition-base);
}

.progress-step.active .step-circle {
    background: var(--primary-color);
    color: var(--text-white);
    border-color: var(--primary-color);
}

.loan-request-form {
    max-width: 800px;
    margin: 0 auto;
    background: var(--bg-white);
    padding: var(--spacing-xl);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
}

.form-section {
    display: none;
}

.form-section.active {
    display: block;
    animation: fadeIn 0.5s ease-out;
}

.form-section-title {
    color: var(--primary-color);
    margin-bottom: var(--spacing-lg);
    font-size: 1.75rem;
}

/* ============================================
   FOOTER
   ============================================ */

.footer {
    background: var(--primary-dark);
    color: var(--text-white);
    padding: var(--spacing-2xl) 0 var(--spacing-lg);
    margin-top: var(--spacing-2xl);
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: var(--spacing-xl);
    margin-bottom: var(--spacing-xl);
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
    margin-bottom: var(--spacing-md);
}

.footer-description {
    color: rgba(255, 255, 255, 0.8);
    line-height: 1.6;
}

.footer-section h3 {
    color: var(--text-white);
    margin-bottom: var(--spacing-md);
    font-size: 1.125rem;
}

.footer-links {
    list-style: none;
}

.footer-links li {
    margin-bottom: var(--spacing-xs);
}

.footer-links a {
    color: rgba(255, 255, 255, 0.8);
    transition: color var(--transition-base);
}

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

.footer-contact {
    list-style: none;
}

.footer-contact li {
    display: flex;
    align-items: flex-start;
    gap: var(--spacing-xs);
    margin-bottom: var(--spacing-sm);
    color: rgba(255, 255, 255, 0.8);
}

.footer-contact li svg {
    flex-shrink: 0;
    margin-top: 2px;
    color: var(--secondary-color);
}

.footer-contact a {
    color: rgba(255, 255, 255, 0.8);
    transition: color var(--transition-base);
}

.footer-contact a:hover {
    color: var(--secondary-color);
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: var(--spacing-lg);
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: var(--spacing-md);
}

.footer-bottom p {
    color: rgba(255, 255, 255, 0.8);
    margin: 0;
}

.footer-legal {
    display: flex;
    gap: var(--spacing-lg);
}

.footer-legal a {
    color: rgba(255, 255, 255, 0.8);
    font-size: 0.9rem;
    transition: color var(--transition-base);
}

.footer-legal a:hover {
    color: var(--secondary-color);
}

/* ============================================
   ALERTS
   ============================================ */

.alert {
    padding: var(--spacing-md);
    margin-bottom: var(--spacing-md);
    border-radius: var(--radius-md);
    animation: slideDown 0.3s ease-out;
}

@keyframes slideDown {
    from {
        opacity: 0;
        transform: translateY(-20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.alert-success {
    background: #E8F5E9;
    color: #2E7D32;
    border-left: 4px solid var(--success-color);
}

.alert-error {
    background: #FFEBEE;
    color: #C62828;
    border-left: 4px solid var(--error-color);
}

.alert ul {
    list-style: none;
    margin: 0;
}

.alert li {
    margin-bottom: var(--spacing-xs);
}

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

@media (max-width: 768px) {
    :root {
        --spacing-xl: 2rem;
        --spacing-2xl: 3rem;
    }
    
    .mobile-menu-toggle {
        display: flex;
    }
    
    .nav-menu {
        position: fixed;
        top: 70px;
        left: -100%;
        width: 100%;
        height: calc(100vh - 70px);
        background: var(--bg-white);
        flex-direction: column;
        padding: var(--spacing-xl);
        box-shadow: var(--shadow-lg);
        transition: left var(--transition-base);
    }
    
    .nav-menu.active {
        left: 0;
    }
    
    .hero-title {
        font-size: 2.5rem;
    }
    
    .hero-subtitle {
        font-size: 1.125rem;
    }
    
    .hero-features {
        flex-direction: column;
        gap: var(--spacing-sm);
    }
    
    .section-title {
        font-size: 2rem;
    }
    
    .page-title {
        font-size: 2rem;
    }
    
    .features-grid,
    .values-grid,
    .team-grid {
        grid-template-columns: 1fr;
    }
    
    .contact-content {
        grid-template-columns: 1fr;
    }
    
    .form-row {
        grid-template-columns: 1fr;
    }
    
    .form-progress {
        flex-direction: column;
        align-items: center;
    }
    
    .progress-step::after {
        display: none;
    }
    
    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }
    
    .footer-legal {
        flex-direction: column;
        gap: var(--spacing-sm);
    }
    
    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .process-steps {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 480px) {
    .hero-title {
        font-size: 2rem;
    }
    
    .hero-cta {
        flex-direction: column;
    }
    
    .btn-large {
        width: 100%;
        justify-content: center;
    }
    
    .stat-number {
        font-size: 2rem;
    }
    
    .cta-content h2 {
        font-size: 1.75rem;
    }
}

/* ============================================
   TESTIMONIALS SECTION
   ============================================ */

.testimonials-section {
    padding: var(--spacing-2xl) 0;
    background: var(--bg-light);
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: var(--spacing-lg);
}

.testimonial-card {
    background: var(--bg-white);
    padding: var(--spacing-xl);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    transition: all var(--transition-base);
}

.testimonial-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.testimonial-rating {
    display: flex;
    gap: var(--spacing-xs);
    margin-bottom: var(--spacing-md);
}

.testimonial-text {
    font-size: 1.125rem;
    line-height: 1.8;
    color: var(--text-dark);
    margin-bottom: var(--spacing-lg);
    font-style: italic;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: var(--spacing-md);
    padding-top: var(--spacing-md);
    border-top: 1px solid var(--border-color);
}

.testimonial-avatar {
    width: 50px;
    height: 50px;
    background: var(--bg-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary-color);
    flex-shrink: 0;
}

.testimonial-author strong {
    display: block;
    color: var(--text-dark);
    margin-bottom: var(--spacing-xs);
}

.testimonial-author span {
    font-size: 0.875rem;
    color: var(--text-light);
}

/* ============================================
   FAQ SECTION
   ============================================ */

.faq-section {
    padding: var(--spacing-2xl) 0;
}

.faq-list {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    background: var(--bg-white);
    border-radius: var(--radius-lg);
    margin-bottom: var(--spacing-md);
    box-shadow: var(--shadow-sm);
    overflow: hidden;
    transition: all var(--transition-base);
}

.faq-item.active {
    box-shadow: var(--shadow-md);
}

.faq-question {
    padding: var(--spacing-lg);
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
    background: var(--bg-light);
    transition: all var(--transition-base);
    user-select: none;
    -webkit-user-select: none;
}

.faq-question:hover {
    background: rgba(13, 79, 108, 0.05);
}

.faq-item.active .faq-question {
    background: rgba(13, 79, 108, 0.08);
    border-bottom: 1px solid var(--border-color);
}

.faq-question h3 {
    margin: 0;
    font-size: 1.125rem;
    color: var(--text-dark);
    font-weight: var(--font-weight-semibold);
}

.faq-icon {
    color: var(--primary-color);
    transition: transform var(--transition-base);
    flex-shrink: 0;
}

.faq-item.active .faq-icon {
    transform: rotate(180deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease-out, padding 0.4s ease-out;
    padding: 0 var(--spacing-lg);
}

.faq-item.active .faq-answer {
    max-height: 1000px;
    padding: 0 var(--spacing-lg) var(--spacing-lg);
}

.faq-answer p {
    padding: 0;
    margin: 0;
    color: var(--text-light);
    line-height: 1.8;
}

/* ============================================
   BENEFITS SECTION
   ============================================ */

.benefits-section {
    padding: var(--spacing-2xl) 0;
    background: var(--bg-light);
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--spacing-xl);
}

.benefit-card {
    background: var(--bg-white);
    padding: var(--spacing-xl);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    text-align: center;
    transition: all var(--transition-base);
    border-top: 4px solid var(--secondary-color);
}

.benefit-card:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-xl);
}

.benefit-image {
    margin-bottom: var(--spacing-md);
}

.benefit-icon-large {
    width: 100px;
    height: 100px;
    margin: 0 auto;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-light) 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--text-white);
}

.benefit-card h3 {
    color: var(--primary-color);
    margin-bottom: var(--spacing-sm);
    font-size: 1.5rem;
}

.benefit-card p {
    color: var(--text-light);
    line-height: 1.8;
}

/* ============================================
   FILE UPLOAD STYLES
   ============================================ */

.file-upload-wrapper {
    margin-bottom: var(--spacing-sm);
}

.file-upload-area {
    border: 2px dashed var(--border-color);
    border-radius: var(--radius-md);
    padding: var(--spacing-sm);
    text-align: center;
    background: var(--bg-light);
    transition: all var(--transition-base);
    cursor: pointer;
}

.file-upload-area:hover {
    border-color: var(--primary-color);
    background: rgba(13, 79, 108, 0.05);
}

.file-upload-area.dragover {
    border-color: var(--secondary-color);
    background: rgba(0, 200, 83, 0.1);
}

.file-upload-icon {
    width: 38px;
    height: 38px;
    margin: 0 auto var(--spacing-sm);
    color: var(--primary-color);
}

.file-upload-text {
    color: var(--text-dark);
    font-weight: var(--font-weight-medium);
    margin-bottom: var(--spacing-xs);
}

.file-upload-hint {
    font-size: 0.875rem;
    color: var(--text-light);
}

.file-input {
    display: none;
}

.file-preview-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: var(--spacing-md);
    margin-top: var(--spacing-md);
}

.file-preview-item {
    position: relative;
    background: var(--bg-white);
    border: 2px solid var(--border-color);
    border-radius: var(--radius-md);
    padding: var(--spacing-sm);
    overflow: hidden;
}

.file-preview-image {
    width: 100%;
    height: 150px;
    object-fit: cover;
    border-radius: var(--radius-sm);
    margin-bottom: var(--spacing-xs);
}

.file-preview-name {
    font-size: 0.875rem;
    color: var(--text-dark);
    margin-bottom: var(--spacing-xs);
    word-break: break-word;
}

.file-preview-remove {
    position: absolute;
    top: var(--spacing-xs);
    right: var(--spacing-xs);
    width: 28px;
    height: 28px;
    background: var(--error-color);
    color: var(--text-white);
    border: none;
    border-radius: 50%;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all var(--transition-base);
}

.file-preview-remove:hover {
    background: #C62828;
    transform: scale(1.1);
}

/* ============================================
   PHONE INPUT STYLES
   ============================================ */

.phone-input-wrapper {
    display: flex;
    gap: var(--spacing-sm);
    align-items: stretch;
}

.country-code-select {
    min-width: 140px;
    max-width: 180px;
    padding: var(--spacing-md);
    border: 2px solid var(--border-color);
    border-radius: var(--radius-md);
    background: var(--bg-white);
    color: var(--text-dark);
    font-size: 1rem;
    font-weight: var(--font-weight-medium);
    cursor: pointer;
    transition: all var(--transition-base);
    flex-shrink: 0;
}

.country-code-select.max-w-20 {
    max-width: 200px;
}

.country-code-select:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(13, 79, 108, 0.1);
}

.phone-input {
    flex: 1;
    padding: var(--spacing-md);
    border: 2px solid var(--border-color);
    border-radius: var(--radius-md);
    background: var(--bg-white);
    color: var(--text-dark);
    font-size: 1rem;
    transition: all var(--transition-base);
    min-width: 0;
}

.phone-input:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(13, 79, 108, 0.1);
}

@media (max-width: 768px) {
    .testimonials-grid,
    .benefits-grid {
        grid-template-columns: 1fr;
    }
    
    .file-preview-grid {
        grid-template-columns: 1fr;
    }
    
    .phone-input-wrapper {
        flex-direction: column;
    }
    
    .country-code-select {
        width: 100%;
        max-width: 100%;
    }
    
    .phone-input {
        width: 100%;
    }
}

/* ============================================
   PROCESS SECTION
   ============================================ */

.process-section {
    padding: var(--spacing-2xl) 0;
    background: var(--bg-light);
}

.process-steps {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--spacing-xl);
    max-width: 1000px;
    margin: 0 auto;
}

.process-step {
    background: var(--bg-white);
    padding: var(--spacing-xl);
    border-radius: var(--radius-lg);
    text-align: center;
    box-shadow: var(--shadow-md);
    transition: all var(--transition-base);
    position: relative;
    border-top: 4px solid var(--primary-color);
}

.process-step:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.process-number {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-light) 100%);
    color: var(--text-white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.75rem;
    font-weight: var(--font-weight-bold);
    margin: 0 auto var(--spacing-md);
    box-shadow: var(--shadow-md);
}

.process-step h3 {
    color: var(--primary-color);
    margin-bottom: var(--spacing-sm);
    font-size: 1.5rem;
}

.process-step p {
    color: var(--text-light);
    line-height: 1.8;
}

@media (max-width: 768px) {
    .process-steps {
        grid-template-columns: 1fr;
    }
}

/* ============================================
   LEGAL PAGES STYLES
   ============================================ */

.legal-page {
    padding: var(--spacing-2xl) 0;
    background: var(--bg-light);
    min-height: 60vh;
}

.legal-content {
    max-width: 900px;
    margin: 0 auto;
    background: var(--bg-white);
    padding: var(--spacing-2xl);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
}

.legal-title {
    font-size: 2.5rem;
    color: var(--primary-color);
    margin-bottom: var(--spacing-sm);
    font-weight: var(--font-weight-bold);
}

.legal-updated {
    color: var(--text-light);
    font-size: 0.875rem;
    margin-bottom: var(--spacing-xl);
    padding-bottom: var(--spacing-lg);
    border-bottom: 2px solid var(--border-color);
}

.legal-section {
    margin-bottom: var(--spacing-xl);
}

.legal-section h2 {
    font-size: 1.75rem;
    color: var(--primary-color);
    margin-bottom: var(--spacing-md);
    margin-top: var(--spacing-lg);
    font-weight: var(--font-weight-semibold);
}

.legal-section h3 {
    font-size: 1.25rem;
    color: var(--text-dark);
    margin-bottom: var(--spacing-sm);
    margin-top: var(--spacing-md);
    font-weight: var(--font-weight-semibold);
}

.legal-section p {
    color: var(--text-light);
    line-height: 1.8;
    margin-bottom: var(--spacing-md);
}

.legal-section ul {
    margin-left: var(--spacing-lg);
    margin-bottom: var(--spacing-md);
}

.legal-section li {
    color: var(--text-light);
    line-height: 1.8;
    margin-bottom: var(--spacing-xs);
}

.legal-section a {
    color: var(--primary-color);
    text-decoration: underline;
    transition: color var(--transition-base);
}

.legal-section a:hover {
    color: var(--primary-light);
}

.legal-info-box {
    background: var(--bg-light);
    padding: var(--spacing-lg);
    border-radius: var(--radius-md);
    border-left: 4px solid var(--primary-color);
    margin: var(--spacing-md) 0;
}

.legal-info-box p {
    margin-bottom: var(--spacing-xs);
}

.legal-info-box strong {
    color: var(--text-dark);
    font-weight: var(--font-weight-semibold);
}

@media (max-width: 768px) {
    .legal-content {
        padding: var(--spacing-lg);
    }
    
    .legal-title {
        font-size: 2rem;
    }
    
    .legal-section h2 {
        font-size: 1.5rem;
    }
    
    .legal-section h3 {
        font-size: 1.125rem;
    }
}