/* ============================================================
   CODIRGROEP — style.css
   Police : Raleway | Couleurs : #0A1628 + #00C896

   ARBORESCENCE :
   codirgroep/
   ├── style.css          ← CE FICHIER (à la racine)
   ├── main.js            ← Scripts (à la racine)
   ├── index.php          ← Startpagina
   ├── over-ons/index.php
   ├── hoe-het-werkt/index.php
   ├── kredieten/index.php
   ├── contact/index.php
   ├── krediet-aanvragen/index.php
   ├── veelgestelde-vragen/index.php
   ├── privacybeleid/index.php
   ├── algemene-voorwaarden/index.php
   ├── wettelijke-vermeldingen/index.php
   ├── includes/
   │   ├── config.php     ← Variables + $base_path auto
   │   ├── header.php
   │   └── footer.php
   ├── admin/
   │   ├── index.php
   │   └── instellingen/index.php
   └── assets/
       ├── images/
       └── icons/

   USAGE dans chaque sous-dossier index.php :
     <?php require_once dirname(__DIR__) . '/includes/config.php'; ?>
     <?php require_once dirname(__DIR__) . '/includes/header.php'; ?>
       ... contenu ...
     <?php require_once dirname(__DIR__) . '/includes/footer.php'; ?>

   USAGE dans index.php RACINE :
     <?php require_once 'includes/config.php'; ?>
     <?php require_once 'includes/header.php'; ?>
       ... contenu ...
     <?php require_once 'includes/footer.php'; ?>
   ============================================================ */

/* ── Google Font ─────────────────────────────────────────── */
@import url('https://fonts.googleapis.com/css2?family=Raleway:ital,wght@0,300;0,400;0,500;0,600;0,700;0,800;0,900;1,400&display=swap');

/* ── Variables ───────────────────────────────────────────── */
:root {
  /* Couleurs */
  --color-primary:       #0A1628;
  --color-primary-80:    rgba(10, 22, 40, 0.80);
  --color-primary-light: #132038;
  --color-accent:        #00C896;
  --color-accent-dark:   #00A87E;
  --color-accent-light:  #E6FAF5;
  --color-accent-glow:   rgba(0, 200, 150, 0.18);
  --color-bg:            #F7F8FC;
  --color-bg-alt:        #EEF1F8;
  --color-white:         #FFFFFF;
  --color-heading:       #111111;
  --color-text:          #333333;
  --color-text-muted:    #6B7280;
  --color-border:        #E5E7EB;
  --color-border-dark:   #D1D5DB;

  /* Gradient signature */
  --gradient-hero:    linear-gradient(135deg, #0A1628 0%, #132038 50%, #0D2240 100%);
  --gradient-accent:  linear-gradient(135deg, #00C896 0%, #00A87E 100%);
  --gradient-card:    linear-gradient(145deg, rgba(255,255,255,0.9), rgba(247,248,252,0.6));
  --gradient-mesh:    radial-gradient(ellipse at 20% 50%, rgba(0,200,150,0.08) 0%, transparent 60%),
                      radial-gradient(ellipse at 80% 20%, rgba(10,22,40,0.06) 0%, transparent 50%);

  /* Typographie */
  --font-main: 'Raleway', sans-serif;
  --text-xs:   11px;
  --text-sm:   13px;
  --text-base: 16px;
  --text-md:   18px;
  --text-lg:   22px;
  --text-xl:   28px;
  --text-2xl:  36px;
  --text-3xl:  48px;
  --text-4xl:  60px;

  /* Espacements */
  --space-1: 4px;
  --space-2: 8px;
  --space-3: 12px;
  --space-4: 16px;
  --space-5: 20px;
  --space-6: 24px;
  --space-8: 32px;
  --space-10: 40px;
  --space-12: 48px;
  --space-16: 64px;
  --space-20: 80px;
  --space-24: 96px;
  --space-32: 128px;

  /* Rayons */
  --radius-sm:  6px;
  --radius-md:  10px;
  --radius-lg:  14px;
  --radius-xl:  20px;
  --radius-2xl: 28px;
  --radius-3xl: 40px;
  --radius-full: 9999px;

  /* Ombres */
  --shadow-xs:  0 1px 3px rgba(0,0,0,0.05);
  --shadow-sm:  0 2px 8px rgba(0,0,0,0.07);
  --shadow-md:  0 6px 20px rgba(0,0,0,0.09);
  --shadow-lg:  0 14px 48px rgba(0,0,0,0.12);
  --shadow-xl:  0 24px 72px rgba(0,0,0,0.16);
  --shadow-accent: 0 8px 32px rgba(0, 200, 150, 0.25);
  --shadow-card:   0 2px 12px rgba(10, 22, 40, 0.08), 0 1px 3px rgba(10, 22, 40, 0.05);

  /* Transitions */
  --transition-fast:   0.15s ease;
  --transition-base:   0.25s ease;
  --transition-slow:   0.40s ease;
  --transition-spring: 0.35s cubic-bezier(0.34, 1.56, 0.64, 1);

  /* Layout */
  --container-max:  1200px;
  --container-wide: 1400px;
  --section-py:     var(--space-24);
  --header-h:       72px;
}

/* ── Reset ───────────────────────────────────────────────── */
*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}
html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
body {
  font-family: var(--font-main);
  background: var(--color-bg);
  color: var(--color-text);
  line-height: 1.6;
  overflow-x: hidden;
}
img, video { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button, input, select, textarea {
  font-family: inherit;
  font-size: inherit;
}
button { cursor: pointer; border: none; background: none; }

/* ── Conteneur ───────────────────────────────────────────── */
.container {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--space-6);
}
.container--wide {
  max-width: var(--container-wide);
  margin: 0 auto;
  padding: 0 var(--space-6);
}

/* ── Section base ────────────────────────────────────────── */
.section {
  padding: var(--section-py) 0;
  position: relative;
}
.section--light { background: var(--color-bg); }
.section--white { background: var(--color-white); }
.section--dark  { background: var(--color-primary); color: var(--color-white); }
.section--alt   { background: var(--color-bg-alt); }

/* ── Section Label (capsule) ─────────────────────────────── */
.section-label {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  background: var(--color-accent-light);
  color: var(--color-accent-dark);
  font-size: var(--text-xs);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 7px 14px;
  border-radius: var(--radius-full);
  margin-bottom: var(--space-5);
}
.section-label svg {
  width: 13px;
  height: 13px;
  flex-shrink: 0;
}
.section-label--dark {
  background: rgba(0, 200, 150, 0.15);
  color: var(--color-accent);
}

/* ── Titres section ──────────────────────────────────────── */
.section-title {
  font-size: clamp(28px, 4vw, var(--text-3xl));
  font-weight: 900;
  color: var(--color-heading);
  line-height: 1.15;
  margin-bottom: var(--space-4);
}
.section-title--white { color: var(--color-white); }
.section-title span {
  color: var(--color-accent);
  position: relative;
}
.section-subtitle {
  font-size: var(--text-md);
  color: var(--color-text-muted);
  line-height: 1.7;
  max-width: 560px;
}
.section-subtitle--center { margin: 0 auto; text-align: center; }
.section-subtitle--white  { color: rgba(255,255,255,0.70); }

.section-header {
  text-align: center;
  margin-bottom: var(--space-12);
}
.section-header .section-subtitle {
  margin-top: var(--space-4);
}

/* ── Typographie utilitaire ──────────────────────────────── */
.text-accent  { color: var(--color-accent); }
.text-primary { color: var(--color-primary); }
.text-muted   { color: var(--color-text-muted); }
.text-white   { color: var(--color-white); }
.fw-400 { font-weight: 400; }
.fw-600 { font-weight: 600; }
.fw-700 { font-weight: 700; }
.fw-800 { font-weight: 800; }
.fw-900 { font-weight: 900; }
.text-center { text-align: center; }
.text-left   { text-align: left; }

/* ── Boutons ─────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: 14px 28px;
  border-radius: var(--radius-lg);
  font-family: var(--font-main);
  font-weight: 800;
  font-size: 14px;
  letter-spacing: 0.02em;
  transition: var(--transition-base);
  white-space: nowrap;
  position: relative;
  overflow: hidden;
}
.btn svg { width: 16px; height: 16px; flex-shrink: 0; }

/* Bouton Principal */
.btn-primary {
  background: var(--gradient-accent);
  color: var(--color-primary);
  box-shadow: var(--shadow-accent);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 40px rgba(0, 200, 150, 0.35);
}
.btn-primary:active { transform: translateY(0); }

/* Bouton Outline */
.btn-outline {
  background: transparent;
  color: var(--color-primary);
  border: 2px solid var(--color-border-dark);
}
.btn-outline:hover {
  border-color: var(--color-primary);
  background: var(--color-primary);
  color: var(--color-white);
  transform: translateY(-2px);
}

/* Bouton Outline sur fond sombre */
.btn-outline-white {
  background: transparent;
  color: var(--color-white);
  border: 2px solid rgba(255,255,255,0.35);
}
.btn-outline-white:hover {
  background: rgba(255,255,255,0.10);
  border-color: rgba(255,255,255,0.70);
  transform: translateY(-2px);
}

/* Bouton Dark */
.btn-dark {
  background: var(--color-primary);
  color: var(--color-white);
}
.btn-dark:hover {
  background: var(--color-primary-light);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

/* Tailles */
.btn-sm  { padding: 10px 20px; font-size: 13px; }
.btn-lg  { padding: 17px 36px; font-size: 16px; border-radius: var(--radius-xl); }
.btn-xl  { padding: 20px 44px; font-size: 17px; border-radius: var(--radius-xl); }
.btn-block { width: 100%; }

/* ── Cards ───────────────────────────────────────────────── */
.card {
  background: var(--color-white);
  border-radius: var(--radius-2xl);
  padding: var(--space-8);
  box-shadow: var(--shadow-card);
  border: 1px solid var(--color-border);
  transition: var(--transition-base);
}
.card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
  border-color: rgba(0, 200, 150, 0.25);
}
.card--accent {
  background: var(--gradient-accent);
  color: var(--color-primary);
  border: none;
}
.card--dark {
  background: var(--color-primary);
  color: var(--color-white);
  border: 1px solid rgba(255,255,255,0.08);
}
.card--dark:hover {
  border-color: rgba(0, 200, 150, 0.35);
}
.card--glass {
  background: rgba(255,255,255,0.75);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.5);
}

/* ── Icône ronde (avatar icon) ───────────────────────────── */
.icon-wrap {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-xl);
  background: var(--color-accent-light);
  color: var(--color-accent-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-bottom: var(--space-4);
}
.icon-wrap svg { width: 24px; height: 24px; }
.icon-wrap--dark {
  background: rgba(0, 200, 150, 0.15);
  color: var(--color-accent);
}
.icon-wrap--lg {
  width: 64px;
  height: 64px;
  border-radius: var(--radius-2xl);
}
.icon-wrap--lg svg { width: 30px; height: 30px; }

/* ── Badge / Pill ────────────────────────────────────────── */
.badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 4px 10px;
  border-radius: var(--radius-full);
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.05em;
}
.badge-accent {
  background: var(--color-accent-light);
  color: var(--color-accent-dark);
}
.badge-primary {
  background: rgba(10, 22, 40, 0.08);
  color: var(--color-primary);
}

/* ── Stat / Chiffre clé ──────────────────────────────────── */
.stat-number {
  font-size: clamp(32px, 5vw, 52px);
  font-weight: 900;
  color: var(--color-accent);
  line-height: 1;
  margin-bottom: var(--space-1);
}
.stat-label {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

/* ── Bento Grid ──────────────────────────────────────────── */
.bento-grid {
  display: grid;
  gap: var(--space-5);
}
/* Bento 3 colonnes */
.bento-3 {
  grid-template-columns: repeat(3, 1fr);
}
/* Bento 2+1 */
.bento-2-1 {
  grid-template-columns: 2fr 1fr;
}
/* Bento mixte (responsive) */
.bento-mixed {
  grid-template-columns: repeat(12, 1fr);
}
.bento-mixed .bento-col-4  { grid-column: span 4; }
.bento-mixed .bento-col-6  { grid-column: span 6; }
.bento-mixed .bento-col-8  { grid-column: span 8; }
.bento-mixed .bento-col-12 { grid-column: span 12; }
.bento-mixed .bento-row-2  { grid-row: span 2; }

/* ── Divider ─────────────────────────────────────────────── */
.divider {
  width: 48px;
  height: 4px;
  background: var(--gradient-accent);
  border-radius: var(--radius-full);
  margin: var(--space-5) 0;
}
.divider--center { margin: var(--space-5) auto; }

/* ── Form elements ───────────────────────────────────────── */
.form-group {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}
.form-label {
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--color-heading);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.form-control {
  width: 100%;
  padding: 13px 16px;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-lg);
  font-family: var(--font-main);
  font-size: var(--text-base);
  color: var(--color-heading);
  background: var(--color-white);
  transition: var(--transition-fast);
  outline: none;
}
.form-control:focus {
  border-color: var(--color-accent);
  box-shadow: 0 0 0 4px var(--color-accent-glow);
}
.form-control::placeholder { color: var(--color-text-muted); }
select.form-control { cursor: pointer; }
textarea.form-control { resize: vertical; min-height: 120px; }

/* ── Utilitaires Layout ──────────────────────────────────── */
.flex        { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between{ display: flex; align-items: center; justify-content: space-between; }
.flex-col    { display: flex; flex-direction: column; }
.gap-2  { gap: var(--space-2); }
.gap-3  { gap: var(--space-3); }
.gap-4  { gap: var(--space-4); }
.gap-6  { gap: var(--space-6); }
.gap-8  { gap: var(--space-8); }
.items-center { align-items: center; }
.mt-4  { margin-top: var(--space-4); }
.mt-6  { margin-top: var(--space-6); }
.mt-8  { margin-top: var(--space-8); }
.mb-4  { margin-bottom: var(--space-4); }
.mb-6  { margin-bottom: var(--space-6); }
.mb-8  { margin-bottom: var(--space-8); }

/* ── Animations Slide-In ─────────────────────────────────── */
/* Déclaration des animations */
@keyframes slideInLeft {
  from { opacity: 0; transform: translateX(-60px); }
  to   { opacity: 1; transform: translateX(0); }
}
@keyframes slideInRight {
  from { opacity: 0; transform: translateX(60px); }
  to   { opacity: 1; transform: translateX(0); }
}
@keyframes slideInUp {
  from { opacity: 0; transform: translateY(40px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes slideInDown {
  from { opacity: 0; transform: translateY(-30px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes fadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}
@keyframes scaleIn {
  from { opacity: 0; transform: scale(0.88); }
  to   { opacity: 1; transform: scale(1); }
}
@keyframes floatY {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-10px); }
}
@keyframes pulse-ring {
  0%   { transform: scale(0.9); opacity: 0.6; }
  100% { transform: scale(1.6); opacity: 0; }
}
@keyframes shimmer {
  0%   { background-position: -200% center; }
  100% { background-position:  200% center; }
}

/* Classes utilitaires d'animation (déclenchées par JS via .animate) */
.anim-left,
.anim-right,
.anim-up,
.anim-down,
.anim-fade,
.anim-scale {
  opacity: 0;
  transition: none; /* géré par animation CSS */
}

/* Une fois la classe .animate ajoutée par l'Intersection Observer */
.anim-left.animate  { animation: slideInLeft  0.65s cubic-bezier(0.22,1,0.36,1) both; }
.anim-right.animate { animation: slideInRight 0.65s cubic-bezier(0.22,1,0.36,1) both; }
.anim-up.animate    { animation: slideInUp    0.60s cubic-bezier(0.22,1,0.36,1) both; }
.anim-down.animate  { animation: slideInDown  0.55s cubic-bezier(0.22,1,0.36,1) both; }
.anim-fade.animate  { animation: fadeIn       0.70s ease both; }
.anim-scale.animate { animation: scaleIn      0.60s cubic-bezier(0.34,1.56,0.64,1) both; }

/* Délais en cascade pour les enfants */
.anim-delay-1 { animation-delay: 0.10s !important; }
.anim-delay-2 { animation-delay: 0.20s !important; }
.anim-delay-3 { animation-delay: 0.30s !important; }
.anim-delay-4 { animation-delay: 0.45s !important; }
.anim-delay-5 { animation-delay: 0.60s !important; }
.anim-delay-6 { animation-delay: 0.75s !important; }

/* Float permanent (éléments décoratifs) */
.float { animation: floatY 4s ease-in-out infinite; }
.float-2 { animation: floatY 5s ease-in-out 0.8s infinite; }
.float-3 { animation: floatY 6s ease-in-out 1.6s infinite; }

/* ── Header ──────────────────────────────────────────────── */
#site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  height: var(--header-h);
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--color-border);
  transition: var(--transition-base);
}
#site-header.scrolled {
  box-shadow: var(--shadow-md);
  background: rgba(255,255,255,0.98);
}
.header-inner {
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-6);
}

/* Logo */
.site-logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  text-decoration: none;
  flex-shrink: 0;
}
.site-logo__mark {
  width: 40px;
  height: 40px;
  background: var(--color-primary);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}
.site-logo__mark::after {
  content: '';
  position: absolute;
  bottom: -4px;
  right: -4px;
  width: 18px;
  height: 18px;
  background: var(--color-accent);
  border-radius: 4px;
}
.site-logo__mark span {
  font-size: 16px;
  font-weight: 900;
  color: var(--color-white);
  position: relative;
  z-index: 1;
  letter-spacing: -0.05em;
}
.site-logo__text {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
}
.site-logo__name {
  font-size: 17px;
  font-weight: 900;
  color: var(--color-primary);
  letter-spacing: -0.02em;
}
.site-logo__tagline {
  font-size: 10px;
  font-weight: 600;
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

/* Navigation */
.site-nav {
  display: flex;
  align-items: center;
  gap: var(--space-1);
}
.nav-link {
  position: relative;
  padding: 8px 14px;
  font-size: 14px;
  font-weight: 700;
  color: var(--color-text);
  border-radius: var(--radius-md);
  transition: var(--transition-fast);
  white-space: nowrap;
}
.nav-link::after {
  content: '';
  position: absolute;
  bottom: 4px;
  left: 50%;
  transform: translateX(-50%) scaleX(0);
  width: calc(100% - 28px);
  height: 2px;
  background: var(--color-accent);
  border-radius: var(--radius-full);
  transition: transform var(--transition-base);
}
.nav-link:hover,
.nav-link.active {
  color: var(--color-primary);
  background: var(--color-accent-light);
}
.nav-link:hover::after,
.nav-link.active::after {
  transform: translateX(-50%) scaleX(1);
}

/* Header actions */
.header-actions {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  flex-shrink: 0;
}

/* Hamburger mobile */
/* ── Hamburger ────────────────────────────────────────── */
.hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  border-radius: var(--radius-md);
  background: transparent;
  border: 2px solid var(--color-border);
  cursor: pointer;
  transition: border-color var(--transition-fast);
  flex-shrink: 0;
}
.hamburger:hover { border-color: var(--color-primary); }
.hamburger span {
  display: block;
  width: 18px;
  height: 2px;
  background: var(--color-primary);
  border-radius: 2px;
  transition: transform 0.3s ease, opacity 0.3s ease, width 0.3s ease;
  transform-origin: center;
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; width: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ── Mobile drawer ────────────────────────────────────── */
.mobile-nav {
  position: fixed;
  top: var(--header-h);
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--color-white);
  z-index: 999;
  padding: 32px 24px 40px;
  display: flex;
  flex-direction: column;
  gap: 6px;
  overflow-y: auto;
  /* Caché par défaut via transform + opacity — pas display:none */
  transform: translateX(100%);
  opacity: 0;
  pointer-events: none;
  transition: transform 0.35s cubic-bezier(0.4,0,0.2,1),
              opacity  0.35s ease;
}
.mobile-nav.open {
  transform: translateX(0);
  opacity: 1;
  pointer-events: auto;
}

/* Liens nav mobile */
.mobile-nav .nav-link {
  display: block;
  font-size: 17px;
  font-weight: 700;
  color: var(--color-text);
  padding: 14px 16px;
  border-radius: var(--radius-lg);
  transition: background var(--transition-fast), color var(--transition-fast);
}
.mobile-nav .nav-link:hover,
.mobile-nav .nav-link.active {
  background: var(--color-accent-light);
  color: var(--color-primary);
}

/* Séparateur */
.mobile-nav-divider {
  height: 1px;
  background: var(--color-border);
  margin: 10px 0;
}

/* Boutons dans le drawer */
.mobile-nav .btn {
  width: 100%;
  justify-content: center;
}

/* Infos contact en bas du drawer */
.mobile-nav-contact {
  margin-top: auto;
  padding-top: 20px;
  border-top: 1px solid var(--color-border);
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.mobile-nav-contact a {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  font-weight: 700;
  color: var(--color-text-muted);
  transition: color var(--transition-fast);
}
.mobile-nav-contact a:hover { color: var(--color-primary); }
.mobile-nav-contact svg {
  width: 16px; height: 16px;
  color: var(--color-accent);
  flex-shrink: 0;
}

/* ── Footer ──────────────────────────────────────────────── */
#site-footer {
  background: var(--color-primary);
  color: var(--color-white);
  padding: var(--space-20) 0 0;
}
.footer-top {
  display: grid;
  grid-template-columns: 1.6fr repeat(3, 1fr);
  gap: var(--space-12);
  padding-bottom: var(--space-12);
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand {}
.footer-logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  margin-bottom: var(--space-5);
}
.footer-logo__mark {
  width: 42px;
  height: 42px;
  background: rgba(255,255,255,0.08);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid rgba(255,255,255,0.12);
}
.footer-logo__mark span {
  font-size: 16px;
  font-weight: 900;
  color: var(--color-accent);
}
.footer-logo__name {
  font-size: 18px;
  font-weight: 900;
  color: var(--color-white);
}
.footer-desc {
  font-size: 14px;
  color: rgba(255,255,255,0.55);
  line-height: 1.7;
  margin-bottom: var(--space-6);
  max-width: 300px;
}
.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  margin-bottom: var(--space-4);
  font-size: 14px;
  color: rgba(255,255,255,0.70);
}
.footer-contact-item svg {
  width: 16px;
  height: 16px;
  color: var(--color-accent);
  flex-shrink: 0;
  margin-top: 2px;
}
.footer-contact-item a {
  color: rgba(255,255,255,0.70);
  transition: color var(--transition-fast);
}
.footer-contact-item a:hover { color: var(--color-accent); }

.footer-col-title {
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-white);
  margin-bottom: var(--space-5);
}
.footer-links {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}
.footer-links a {
  font-size: 14px;
  color: rgba(255,255,255,0.55);
  transition: color var(--transition-fast);
  display: flex;
  align-items: center;
  gap: var(--space-2);
}
.footer-links a::before {
  content: '';
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--color-accent);
  opacity: 0;
  transition: opacity var(--transition-fast);
  flex-shrink: 0;
}
.footer-links a:hover { color: var(--color-white); }
.footer-links a:hover::before { opacity: 1; }

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-6) 0;
  gap: var(--space-4);
}
.footer-copy {
  font-size: 13px;
  color: rgba(255,255,255,0.35);
}
.footer-legal-links {
  display: flex;
  gap: var(--space-5);
}
.footer-legal-links a {
  font-size: 13px;
  color: rgba(255,255,255,0.35);
  transition: color var(--transition-fast);
}
.footer-legal-links a:hover { color: var(--color-white); }

/* Accent bar footer */
.footer-accent-bar {
  height: 4px;
  background: var(--gradient-accent);
}

/* ── Hero section ────────────────────────────────────────── */
/* ── Steps / Process ─────────────────────────────────────── */
.step-card {
  position: relative;
}
.step-number {
  position: absolute;
  top: -14px;
  left: var(--space-6);
  width: 32px;
  height: 32px;
  background: var(--gradient-accent);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 900;
  color: var(--color-primary);
  box-shadow: var(--shadow-accent);
}
.step-connector {
  position: absolute;
  top: 28px;
  left: calc(50% + 28px);
  right: calc(-50% + 28px);
  height: 2px;
  background: linear-gradient(90deg, var(--color-accent), transparent);
  pointer-events: none;
  z-index: 0;
}

/* ── Simulation Section ──────────────────────────────────── */
.sim-card {
  background: var(--gradient-hero);
  border-radius: var(--radius-3xl);
  padding: var(--space-12);
  position: relative;
  overflow: hidden;
}
.sim-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: var(--gradient-mesh);
}
.sim-card__inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-12);
  align-items: center;
}
.sim-form-wrapper {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: var(--radius-2xl);
  padding: var(--space-8);
}
.sim-form-wrapper .form-label { color: rgba(255,255,255,0.75); }
.sim-form-wrapper .form-control {
  background: rgba(255,255,255,0.08);
  border-color: rgba(255,255,255,0.15);
  color: var(--color-white);
}
.sim-form-wrapper .form-control:focus {
  border-color: var(--color-accent);
  background: rgba(255,255,255,0.12);
}
.sim-form-wrapper .form-control::placeholder { color: rgba(255,255,255,0.35); }
.sim-result {
  background: rgba(0,200,150,0.12);
  border: 1px solid rgba(0,200,150,0.25);
  border-radius: var(--radius-xl);
  padding: var(--space-6);
  margin-top: var(--space-5);
}
.sim-result__amount {
  font-size: 38px;
  font-weight: 900;
  color: var(--color-accent);
  line-height: 1;
}
.sim-result__label {
  font-size: 13px;
  color: rgba(255,255,255,0.55);
  margin-top: 4px;
  font-weight: 600;
}

/* ── Accordion / FAQ ─────────────────────────────────────── */
.accordion-item {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  margin-bottom: var(--space-3);
  transition: var(--transition-base);
}
.accordion-item.open {
  border-color: rgba(0, 200, 150, 0.30);
  box-shadow: 0 4px 20px rgba(0, 200, 150, 0.08);
}
.accordion-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding: var(--space-5) var(--space-6);
  background: var(--color-white);
  font-weight: 700;
  font-size: 15px;
  color: var(--color-heading);
  text-align: left;
  cursor: pointer;
  transition: var(--transition-fast);
}
.accordion-trigger:hover { background: var(--color-accent-light); }
.accordion-icon {
  width: 28px;
  height: 28px;
  border-radius: var(--radius-md);
  background: var(--color-accent-light);
  color: var(--color-accent-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: transform var(--transition-base), background var(--transition-fast);
}
.accordion-item.open .accordion-icon {
  transform: rotate(45deg);
  background: var(--color-accent);
  color: var(--color-primary);
}
.accordion-icon svg { width: 14px; height: 14px; }
.accordion-body {
  display: none;
  padding: 0 var(--space-6) var(--space-5);
  background: var(--color-white);
  font-size: 15px;
  color: var(--color-text-muted);
  line-height: 1.7;
}
.accordion-item.open .accordion-body { display: block; }

/* ── Toast / notification ────────────────────────────────── */
.toast {
  position: fixed;
  bottom: var(--space-6);
  right: var(--space-6);
  z-index: 9999;
  background: var(--color-primary);
  color: var(--color-white);
  padding: var(--space-4) var(--space-6);
  border-radius: var(--radius-xl);
  font-size: 14px;
  font-weight: 700;
  box-shadow: var(--shadow-xl);
  display: flex;
  align-items: center;
  gap: var(--space-3);
  transform: translateY(20px);
  opacity: 0;
  transition: var(--transition-base);
  pointer-events: none;
}
.toast.show {
  transform: translateY(0);
  opacity: 1;
}
.toast svg { width: 18px; height: 18px; color: var(--color-accent); }

/* ── Responsive ──────────────────────────────────────────── */
@media (max-width: 1024px) {
  :root { --section-py: var(--space-20); }
  .hero-content    { grid-template-columns: 1fr; }
  .hero-visual     { display: none; }
  .footer-top      { grid-template-columns: 1fr 1fr; gap: var(--space-8); }
  .bento-3         { grid-template-columns: repeat(2, 1fr); }
  .sim-card__inner { grid-template-columns: 1fr; }
  .bento-mixed .bento-col-4 { grid-column: span 6; }
}

@media (max-width: 768px) {
  :root {
    --header-h: 64px;
    --section-py: var(--space-16);
  }
  /* Header mobile : cache nav + tous les boutons desktop, montre hamburger */
  .site-nav           { display: none; }
  .header-actions     { display: none; }
  .hamburger          { display: flex; }
  .footer-top     { grid-template-columns: 1fr; gap: var(--space-8); }
  .footer-bottom  { flex-direction: column; text-align: center; }
  .footer-legal-links { flex-wrap: wrap; justify-content: center; }
  .hero-stats     { grid-template-columns: 1fr; gap: 0; }
  .hero-stat:not(:last-child) { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.08); }
  .bento-3        { grid-template-columns: 1fr; }
  .bento-2-1      { grid-template-columns: 1fr; }
  .bento-mixed .bento-col-4,
  .bento-mixed .bento-col-6,
  .bento-mixed .bento-col-8 { grid-column: span 12; }
  .sim-card       { padding: var(--space-8) var(--space-5); }
  .hero-actions   { flex-direction: column; }
  .hero-actions .btn { width: 100%; }
}

@media (max-width: 480px) {
  :root { --section-py: var(--space-12); }
  .container { padding: 0 var(--space-4); }
  .card { padding: var(--space-6); }
  .section-title { font-size: 26px; }
}

/* ── Scrollbar custom ────────────────────────────────────── */
::-webkit-scrollbar { width: 8px; }
::-webkit-scrollbar-track { background: var(--color-bg); }
::-webkit-scrollbar-thumb { background: var(--color-border-dark); border-radius: var(--radius-full); }
::-webkit-scrollbar-thumb:hover { background: var(--color-accent-dark); }

/* ── Selection ───────────────────────────────────────────── */
::selection { background: var(--color-accent); color: var(--color-primary); }


/* ══════════════════════════════════════════════════════════

/* ══════════════════════════════════════════════════════════
   HERO
══════════════════════════════════════════════════════════ */

.hero {
  padding: 20px;
}

.hero-image-wrap {
  position: relative;
  width: 100%;
  height: 560px;
  border-radius: 24px;
  overflow: hidden;
}

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

.hero-image-wrap::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to top,
    rgba(8,18,35,0.82) 0%,
    rgba(8,18,35,0.40) 45%,
    rgba(8,18,35,0.05) 100%
  );
  z-index: 1;
}

.hero-body {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 2;
  padding: 48px 56px;
}

.hero-title {
  font-size: 58px;
  font-weight: 900;
  color: #ffffff;
  line-height: 1.08;
  letter-spacing: -0.02em;
  margin: 0 0 16px 0;
  text-shadow: 0 2px 24px rgba(0,0,0,0.3);
}

.hero-sub {
  font-size: 17px;
  font-weight: 500;
  color: rgba(255,255,255,0.80);
  line-height: 1.6;
  max-width: 480px;
  margin: 0 0 32px 0;
}

.hero-btns {
  display: flex;
  gap: 14px;
  align-items: center;
  flex-wrap: wrap;
}

@media (max-width: 900px) {
  .hero-image-wrap { height: 480px; }
  .hero-body       { padding: 36px 36px; }
  .hero-title      { font-size: 42px; }
}

@media (max-width: 600px) {
  .hero            { padding: 12px; }
  .hero-image-wrap { height: 520px; border-radius: 18px; }
  .hero-body       { padding: 28px 24px; }
  .hero-title      { font-size: 32px; }
  .hero-sub        { font-size: 14px; }
  .hero-btns       { flex-direction: column; }
  .hero-btns .btn  { width: 100%; justify-content: center; }
}


/* ══════════════════════════════════════════════════════════
   DIENSTEN SECTION
══════════════════════════════════════════════════════════ */

.diensten-section {
  padding: 100px 0;
  background: var(--color-primary);
  overflow: hidden;
}

/* Grid 2 colonnes */
.diensten-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: stretch;
}

/* ── Gauche : carte image ─────────────────────────────── */
.diensten-mockup {
  height: 100%;
}

.diensten-card {
  position: relative;
  background: #1a2540;
  border-radius: 24px;
  padding: 20px;
  box-shadow: 0 24px 64px rgba(0,0,0,0.35);
  transition: transform 0.4s cubic-bezier(.2,.9,.2,1),
              box-shadow 0.4s cubic-bezier(.2,.9,.2,1);
  height: 100%;
  display: flex;
  flex-direction: column;
}
.diensten-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 32px 80px rgba(0,200,150,0.15);
}

/* Flèche verte en haut à droite */
.diensten-arrow {
  position: absolute;
  top: 20px;
  right: 20px;
  width: 56px;
  height: 56px;
  background: var(--color-accent);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 10;
  text-decoration: none;
  transition: transform 0.3s cubic-bezier(.2,.9,.2,1),
              box-shadow 0.3s ease;
}
.diensten-arrow:hover {
  transform: scale(1.12);
  box-shadow: 0 8px 24px rgba(0,200,150,0.45);
}
.diensten-arrow svg { display: block; }

/* Image noir & blanc */
.diensten-img {
  width: 100%;
  flex: 1;
  object-fit: cover;
  display: block;
  border-radius: 14px;
  min-height: 0;
}

/* ── Droite : contenu ─────────────────────────────────── */
.diensten-content {
  display: flex;
  flex-direction: column;
}

/* Badge */
.diensten-badge {
  display: inline-block;
  padding: 8px 18px;
  background: rgba(0,200,150,0.12);
  color: var(--color-accent);
  border-radius: var(--radius-full);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 20px;
  border: 1px solid rgba(0,200,150,0.25);
  width: fit-content;
}

/* Titre */
.diensten-title {
  font-size: clamp(28px, 3.5vw, 42px);
  font-weight: 900;
  color: #ffffff;
  line-height: 1.15;
  margin-bottom: 20px;
  letter-spacing: -0.02em;
}

/* Description */
.diensten-desc {
  font-size: 16px;
  color: rgba(255,255,255,0.60);
  line-height: 1.75;
  margin-bottom: 40px;
}

/* Features */
.diensten-features {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.diensten-feature {
  display: flex;
  gap: 20px;
  align-items: flex-start;
}

.diensten-feature__icon {
  width: 52px;
  height: 52px;
  min-width: 52px;
  background: rgba(0,200,150,0.12);
  border: 1px solid rgba(0,200,150,0.25);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent);
  transition: background 0.3s ease, transform 0.3s ease;
}
.diensten-feature:hover .diensten-feature__icon {
  background: rgba(0,200,150,0.22);
  transform: scale(1.06);
}

.diensten-feature__text h3 {
  font-size: 17px;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 6px;
  line-height: 1.3;
}
.diensten-feature__text p {
  font-size: 14px;
  color: rgba(255,255,255,0.55);
  line-height: 1.7;
  margin: 0;
}

/* ── Responsive ───────────────────────────────────────── */
@media (max-width: 992px) {
  .diensten-grid {
    grid-template-columns: 1fr;
    gap: 50px;
  }
  .diensten-card {
    max-width: 520px;
    margin: 0 auto;
  }
  .diensten-section { padding: 70px 0; }
}

@media (max-width: 600px) {
  .diensten-section { padding: 56px 0; }
  .diensten-feature { gap: 14px; }
  .diensten-feature__icon { width: 44px; height: 44px; min-width: 44px; }
  .diensten-arrow { width: 48px; height: 48px; top: 16px; right: 16px; }
}


/* ══════════════════════════════════════════════════════════
   HOE HET WERKT — Bento grid
══════════════════════════════════════════════════════════ */

.howto-section {
  padding: 100px 0;
  background: #ffffff;
}

/* Header */
.howto-header {
  text-align: center;
  max-width: 620px;
  margin: 0 auto 60px;
}
.howto-badge {
  display: inline-block;
  padding: 8px 18px;
  background: var(--color-accent-light);
  color: var(--color-accent-dark);
  border-radius: var(--radius-full);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 16px;
}
.howto-title {
  font-size: clamp(30px, 4vw, 46px);
  font-weight: 900;
  color: var(--color-primary);
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 14px;
}
.howto-title span { color: var(--color-accent-dark); }
.howto-sub {
  font-size: 16px;
  color: var(--color-text-muted);
  line-height: 1.7;
}

/* Bento grid : 3 col, 2 rows */
.howto-bento {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  grid-template-rows: auto auto;
  gap: 20px;
}

/* Card de base */
.howto-card {
  background: #F7F8FC;
  border: 1px solid var(--color-border);
  border-radius: 24px;
  padding: 36px 32px;
  position: relative;
  overflow: hidden;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.howto-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 48px rgba(10,22,40,0.10);
}

/* Grand numéro en arrière-plan */
.howto-num {
  position: absolute;
  top: -10px;
  right: 20px;
  font-size: 100px;
  font-weight: 900;
  color: rgba(10,22,40,0.05);
  line-height: 1;
  pointer-events: none;
  user-select: none;
  letter-spacing: -0.04em;
}
.howto-num--light {
  color: rgba(255,255,255,0.08);
}

/* Icône */
.howto-icon {
  width: 52px;
  height: 52px;
  background: var(--color-accent-light);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent-dark);
  margin-bottom: 20px;
}
.howto-icon svg { width: 24px; height: 24px; }
.howto-icon--dark {
  background: rgba(0,200,150,0.15);
  color: var(--color-accent);
}

/* Titres et texte */
.howto-card h3 {
  font-size: 19px;
  font-weight: 800;
  color: var(--color-primary);
  margin-bottom: 10px;
  line-height: 1.3;
}
.howto-card p {
  font-size: 14px;
  color: var(--color-text-muted);
  line-height: 1.75;
}

/* Card large — col span 1 row span 2 */
.howto-card--large {
  grid-row: span 2;
  display: flex;
  flex-direction: column;
}
.howto-card--large h3 { font-size: 24px; }
.howto-card--large p  { font-size: 15px; flex-grow: 1; }

/* Lien dans la grande card */
.howto-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 28px;
  font-size: 14px;
  font-weight: 800;
  color: var(--color-accent-dark);
  text-decoration: none;
  transition: gap 0.2s ease;
}
.howto-link svg { width: 16px; height: 16px; }
.howto-link:hover { gap: 12px; }

/* Card dark (stap 4) */
.howto-card--dark {
  background: var(--color-primary);
  border-color: transparent;
  grid-column: span 2;
}
.howto-card--dark h3 { color: #ffffff; }
.howto-card--dark p  { color: rgba(255,255,255,0.55); }

/* Stat dans la dark card */
.howto-stat {
  display: flex;
  align-items: baseline;
  gap: 10px;
  margin-top: 24px;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,0.10);
}
.howto-stat__num {
  font-size: 40px;
  font-weight: 900;
  color: var(--color-accent);
  letter-spacing: -0.02em;
  line-height: 1;
}
.howto-stat__label {
  font-size: 13px;
  color: rgba(255,255,255,0.45);
  font-weight: 600;
}

/* Responsive */
@media (max-width: 900px) {
  .howto-bento {
    grid-template-columns: 1fr 1fr;
  }
  .howto-card--large { grid-row: span 1; }
  .howto-card--dark  { grid-column: span 2; }
  .howto-num { font-size: 80px; }
}

@media (max-width: 580px) {
  .howto-section  { padding: 60px 0; }
  .howto-bento    { grid-template-columns: 1fr; }
  .howto-card--dark { grid-column: span 1; }
  .howto-num      { font-size: 72px; }
}


/* ══════════════════════════════════════════════════════════
   ONZE KREDIETEN — 8 cards 4 colonnes
══════════════════════════════════════════════════════════ */

.kredieten-section {
  padding: 100px 0;
  background: #F4F6FA;
}

/* Header */
.kredieten-header {
  text-align: center;
  max-width: 620px;
  margin: 0 auto 56px;
}
.kredieten-badge {
  display: inline-block;
  padding: 8px 18px;
  background: var(--color-accent-light);
  color: var(--color-accent-dark);
  border-radius: var(--radius-full);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 16px;
}
.kredieten-title {
  font-size: clamp(28px, 3.8vw, 44px);
  font-weight: 900;
  color: var(--color-primary);
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 14px;
}
.kredieten-title span { color: var(--color-accent-dark); }
.kredieten-sub {
  font-size: 16px;
  color: var(--color-text-muted);
  line-height: 1.7;
}

/* Grid 4 colonnes */
.kredieten-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}

/* Card de base */
.kcard {
  background: #ffffff;
  border: 1px solid #E8ECF4;
  border-radius: 20px;
  padding: 28px 24px 24px;
  display: flex;
  flex-direction: column;
  gap: 0;
  transition: transform 0.28s ease, box-shadow 0.28s ease, border-color 0.28s ease;
  position: relative;
  overflow: hidden;
}
.kcard::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--gradient-accent);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s ease;
  border-radius: 20px 20px 0 0;
}
.kcard:hover {
  transform: translateY(-5px);
  box-shadow: 0 20px 50px rgba(10,22,40,0.10);
  border-color: rgba(0,200,150,0.20);
}
.kcard:hover::before { transform: scaleX(1); }

/* Top row : icon + tag */
.kcard__top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: 18px;
}

/* Icône */
.kcard__icon {
  width: 48px;
  height: 48px;
  background: #F4F6FA;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
  transition: background 0.25s ease, color 0.25s ease;
  flex-shrink: 0;
}
.kcard__icon svg { width: 22px; height: 22px; }
.kcard:hover .kcard__icon {
  background: var(--color-accent-light);
  color: var(--color-accent-dark);
}

/* Tags */
.kcard__tag {
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 4px 10px;
  border-radius: var(--radius-full);
  background: var(--color-accent-light);
  color: var(--color-accent-dark);
  flex-shrink: 0;
}
.kcard__tag--blue {
  background: rgba(10,22,40,0.07);
  color: var(--color-primary);
}

/* Titre */
.kcard__title {
  font-size: 16px;
  font-weight: 800;
  color: var(--color-primary);
  line-height: 1.3;
  margin-bottom: 8px;
}

/* Texte */
.kcard__text {
  font-size: 13px;
  color: var(--color-text-muted);
  line-height: 1.65;
  flex-grow: 1;
  margin-bottom: 16px;
}

/* Range montant */
.kcard__range {
  display: inline-flex;
  align-items: center;
  font-size: 12px;
  font-weight: 800;
  color: var(--color-accent-dark);
  background: var(--color-accent-light);
  padding: 5px 12px;
  border-radius: var(--radius-full);
  margin-bottom: 20px;
  letter-spacing: 0.02em;
  width: fit-content;
}

/* Bouton */
.kcard__btn {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 8px;
  width: 100%;
  padding: 12px 16px;
  background: var(--color-primary);
  color: #ffffff;
  border-radius: 12px;
  font-size: 13px;
  font-weight: 800;
  text-decoration: none;
  transition: background 0.25s ease, transform 0.2s ease;
  margin-top: auto;
}
.kcard__btn svg { width: 15px; height: 15px; flex-shrink: 0; }
.kcard__btn:hover {
  background: var(--color-accent-dark);
  transform: translateX(2px);
}

/* Card dark (card 8 CTA) */
.kcard--dark {
  background: var(--color-primary);
  border-color: transparent;
  justify-content: space-between;
}
.kcard--dark::before { background: var(--gradient-accent); }
.kcard__cta-content { flex-grow: 1; margin-bottom: 24px; }
.kcard__cta-label {
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--color-accent);
  margin-bottom: 10px;
}
.kcard__cta-title {
  font-size: 18px;
  font-weight: 900;
  color: #ffffff;
  line-height: 1.3;
  margin-bottom: 10px;
}
.kcard__cta-text {
  font-size: 13px;
  color: rgba(255,255,255,0.50);
  line-height: 1.65;
}
.kcard__btn--white {
  background: rgba(255,255,255,0.10);
  border: 1px solid rgba(255,255,255,0.15);
  color: #ffffff;
}
.kcard__btn--white:hover {
  background: var(--color-accent);
  color: var(--color-primary);
  border-color: transparent;
}

/* Responsive */
@media (max-width: 1100px) {
  .kredieten-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 768px) {
  .kredieten-grid { grid-template-columns: repeat(2, 1fr); }
  .kredieten-section { padding: 70px 0; }
}
@media (max-width: 480px) {
  .kredieten-grid { grid-template-columns: 1fr; }
}


/* ══════════════════════════════════════════════════════════
   SIMULATIE SECTION
══════════════════════════════════════════════════════════ */

.sim-section {
  padding: 100px 0;
  background: var(--color-primary);
  overflow: hidden;
}

/* Grid 2 colonnes égales */
.sim-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

/* ── Colonne gauche ───────────────────────────────────── */
.sim-badge {
  display: inline-block;
  padding: 8px 18px;
  background: rgba(0,200,150,0.12);
  color: var(--color-accent);
  border-radius: var(--radius-full);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  border: 1px solid rgba(0,200,150,0.25);
  margin-bottom: 20px;
}
.sim-title {
  font-size: clamp(28px, 3.5vw, 44px);
  font-weight: 900;
  color: #ffffff;
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 16px;
}
.sim-title span { color: var(--color-accent); }
.sim-desc {
  font-size: 15px;
  color: rgba(255,255,255,0.55);
  line-height: 1.75;
  margin-bottom: 40px;
}

/* Formulaire */
.sim-form { display: flex; flex-direction: column; gap: 28px; }

.sim-label {
  display: block;
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: rgba(255,255,255,0.50);
  margin-bottom: 10px;
}

/* Input montant */
.sim-input-wrap {
  display: flex;
  align-items: center;
  background: rgba(255,255,255,0.07);
  border: 1.5px solid rgba(255,255,255,0.12);
  border-radius: 14px;
  overflow: hidden;
  transition: border-color 0.2s ease;
}
.sim-input-wrap:focus-within {
  border-color: var(--color-accent);
  background: rgba(255,255,255,0.10);
}
.sim-input-prefix {
  padding: 0 16px;
  font-size: 20px;
  font-weight: 900;
  color: var(--color-accent);
  border-right: 1.5px solid rgba(255,255,255,0.10);
  line-height: 56px;
  flex-shrink: 0;
}
.sim-input {
  flex: 1;
  background: transparent;
  border: none;
  outline: none;
  padding: 16px 20px;
  font-size: 22px;
  font-weight: 800;
  color: #ffffff;
  font-family: var(--font-main);
  letter-spacing: -0.01em;
  width: 100%;
}
.sim-input::placeholder { color: rgba(255,255,255,0.25); }
/* Cacher les flèches number input */
.sim-input::-webkit-inner-spin-button,
.sim-input::-webkit-outer-spin-button { -webkit-appearance: none; margin: 0; }
.sim-input[type=number] { -moz-appearance: textfield; }

.sim-range-hint {
  display: flex;
  justify-content: space-between;
  margin-top: 6px;
  font-size: 11px;
  color: rgba(255,255,255,0.28);
  font-weight: 600;
}



/* Info taux fixe */
.sim-rate-info {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  color: rgba(255,255,255,0.45);
  font-weight: 600;
  padding: 14px 18px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 12px;
}
.sim-rate-info svg { width: 16px; height: 16px; color: var(--color-accent); flex-shrink: 0; }
.sim-rate-info strong { color: var(--color-accent); font-weight: 900; }

/* ── Colonne droite : carte résultat ──────────────────── */
.sim-result-card {
  background: #ffffff;
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 32px 80px rgba(0,0,0,0.25);
}

/* Résultat principal */
.sim-result-main {
  background: var(--gradient-accent);
  padding: 36px 32px;
  text-align: center;
}
.sim-result-label {
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(10,22,40,0.60);
  margin-bottom: 8px;
}
.sim-result-amount {
  font-size: clamp(44px, 6vw, 64px);
  font-weight: 900;
  color: var(--color-primary);
  line-height: 1;
  letter-spacing: -0.03em;
  margin-bottom: 6px;
  transition: all 0.3s ease;
}
.sim-result-duration {
  font-size: 14px;
  color: rgba(10,22,40,0.55);
  font-weight: 600;
}

/* Détails */
.sim-result-details {
  padding: 24px 32px;
  display: flex;
  flex-direction: column;
  gap: 0;
  border-bottom: 1px solid #F0F2F8;
}
.sim-result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 11px 0;
  font-size: 14px;
  border-bottom: 1px solid #F0F2F8;
}
.sim-result-row:last-child { border-bottom: none; }
.sim-result-row span { color: #6B7280; font-weight: 500; }
.sim-result-row strong { color: var(--color-primary); font-weight: 800; }

/* Note + CTA */
.sim-result-cta {
  padding: 24px 32px 28px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.sim-result-note {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 13px;
  color: #6B7280;
  line-height: 1.6;
  background: #F7F8FC;
  border-radius: 10px;
  padding: 12px 14px;
}
.sim-result-note svg { width: 15px; height: 15px; color: var(--color-accent-dark); flex-shrink: 0; margin-top: 1px; }
.sim-result-note.sim-note--ready {
  background: rgba(0,168,126,0.08);
  color: var(--color-accent-dark);
}

.sim-cta-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  width: 100%;
  padding: 16px;
  background: var(--color-primary);
  color: #ffffff;
  border-radius: 14px;
  font-size: 15px;
  font-weight: 800;
  text-decoration: none;
  transition: background 0.25s ease, transform 0.2s ease;
}
.sim-cta-btn svg { width: 18px; height: 18px; }
.sim-cta-btn:hover {
  background: var(--color-accent-dark);
  transform: translateY(-2px);
}

.sim-cta-note {
  text-align: center;
  font-size: 12px;
  color: #9CA3AF;
  font-weight: 600;
}

/* Responsive */
@media (max-width: 900px) {
  .sim-wrapper { grid-template-columns: 1fr; gap: 44px; }
  .sim-section  { padding: 70px 0; }
}
@media (max-width: 480px) {
  .sim-result-main    { padding: 28px 20px; }
  .sim-result-details { padding: 20px; }
  .sim-result-cta     { padding: 20px; }
  .sim-dur-btn        { padding: 8px 12px; font-size: 12px; }
}


/* ══════════════════════════════════════════════════════════
   VOOR WIE — Bento grid profils
══════════════════════════════════════════════════════════ */

.voorwie-section {
  padding: 100px 0;
  background: #ffffff;
}

.voorwie-header {
  text-align: center;
  max-width: 620px;
  margin: 0 auto 56px;
}
.voorwie-badge {
  display: inline-block;
  padding: 8px 18px;
  background: var(--color-accent-light);
  color: var(--color-accent-dark);
  border-radius: var(--radius-full);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 16px;
}
.voorwie-title {
  font-size: clamp(28px, 3.8vw, 44px);
  font-weight: 900;
  color: var(--color-primary);
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 14px;
}
.voorwie-title span { color: var(--color-accent-dark); }
.voorwie-sub {
  font-size: 16px;
  color: var(--color-text-muted);
  line-height: 1.7;
}

/* ── Bento grid ───────────────────────────────────────── */
/* Layout :
   [  Grand 01  ] [ 02 ] [ 03 ]
   [  Grand 01  ] [ 04 ] [ 05 dark ] [ 06 accent ]
*/
.voorwie-bento {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  grid-template-rows: auto auto;
  gap: 18px;
}

/* Card de base */
.vw-card {
  background: #F4F6FA;
  border: 1px solid #E8ECF4;
  border-radius: 22px;
  padding: 32px 28px;
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: transform 0.28s ease, box-shadow 0.28s ease, border-color 0.28s ease;
}
.vw-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 20px 50px rgba(10,22,40,0.09);
  border-color: rgba(0,200,150,0.22);
}

/* Grand numéro filigrane */
.vw-card__num {
  position: absolute;
  bottom: -16px;
  right: 16px;
  font-size: 96px;
  font-weight: 900;
  color: rgba(10,22,40,0.05);
  line-height: 1;
  pointer-events: none;
  user-select: none;
  letter-spacing: -0.04em;
}
.vw-card__num--light  { color: rgba(255,255,255,0.07); }
.vw-card__num--accent { color: rgba(0,200,150,0.12); }

/* Icône */
.vw-card__icon {
  width: 52px;
  height: 52px;
  background: #ffffff;
  border: 1px solid #E8ECF4;
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
  margin-bottom: 20px;
  transition: background 0.25s ease, color 0.25s ease;
  flex-shrink: 0;
}
.vw-card__icon svg { width: 22px; height: 22px; }
.vw-card:hover .vw-card__icon {
  background: var(--color-accent-light);
  color: var(--color-accent-dark);
  border-color: transparent;
}
.vw-card__icon--dark {
  background: rgba(255,255,255,0.08);
  border-color: rgba(255,255,255,0.12);
  color: var(--color-accent);
}
.vw-card__icon--accent {
  background: rgba(255,255,255,0.90);
  border-color: transparent;
  color: var(--color-primary);
}

/* Titre */
.vw-card__title {
  font-size: 18px;
  font-weight: 800;
  color: var(--color-primary);
  margin-bottom: 10px;
  line-height: 1.3;
}

/* Texte */
.vw-card__text {
  font-size: 14px;
  color: var(--color-text-muted);
  line-height: 1.72;
  flex-grow: 1;
}

/* Lien */
.vw-card__link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 24px;
  font-size: 14px;
  font-weight: 800;
  color: var(--color-accent-dark);
  text-decoration: none;
  transition: gap 0.2s ease;
}
.vw-card__link svg { width: 15px; height: 15px; flex-shrink: 0; }
.vw-card__link:hover { gap: 12px; }
.vw-card__link--accent { color: var(--color-primary); }
.vw-card__link--accent:hover { color: #ffffff; }

/* Card large — span 2 rows */
.vw-card--large {
  grid-row: span 2;
  background: #F4F6FA;
}
.vw-card--large .vw-card__title { font-size: 22px; }
.vw-card--large .vw-card__text  { font-size: 15px; }

/* Card dark */
.vw-card--dark {
  background: var(--color-primary);
  border-color: transparent;
}
.vw-card--dark .vw-card__title { color: #ffffff; }
.vw-card--dark .vw-card__text  { color: rgba(255,255,255,0.50); }
.vw-card--dark:hover { border-color: rgba(0,200,150,0.25); }

/* Card accent (vert) */
.vw-card--accent {
  background: var(--color-accent);
  border-color: transparent;
}
.vw-card--accent .vw-card__title { color: var(--color-primary); }
.vw-card--accent .vw-card__text  { color: rgba(10,22,40,0.65); }
.vw-card--accent:hover {
  box-shadow: 0 20px 50px rgba(0,200,150,0.25);
  border-color: transparent;
}

/* Responsive */
@media (max-width: 1100px) {
  .voorwie-bento {
    grid-template-columns: 1fr 1fr 1fr;
  }
  .vw-card--large { grid-row: span 1; }
}
@media (max-width: 720px) {
  .voorwie-bento  { grid-template-columns: 1fr 1fr; }
  .voorwie-section { padding: 70px 0; }
}
@media (max-width: 480px) {
  .voorwie-bento  { grid-template-columns: 1fr; }
}


/* ══════════════════════════════════════════════════════════
   GETUIGENISSEN
══════════════════════════════════════════════════════════ */

.testi-section {
  padding: 100px 0;
  background: #ffffff;
}
.testi-header {
  text-align: center;
  max-width: 580px;
  margin: 0 auto 56px;
}
.testi-badge {
  display: inline-block;
  padding: 8px 18px;
  background: var(--color-accent-light);
  color: var(--color-accent-dark);
  border-radius: var(--radius-full);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 16px;
}
.testi-title {
  font-size: clamp(28px, 3.8vw, 44px);
  font-weight: 900;
  color: var(--color-primary);
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 12px;
}
.testi-title span { color: var(--color-accent-dark); }
.testi-sub {
  font-size: 15px;
  color: var(--color-text-muted);
  line-height: 1.7;
}

/* Grid 3 cards */
.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 48px;
}

.testi-card {
  background: #F7F8FC;
  border: 1px solid #E8ECF4;
  border-radius: 20px;
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  transition: transform 0.28s ease, box-shadow 0.28s ease;
}
.testi-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 48px rgba(10,22,40,0.09);
}

.testi-card__stars {
  font-size: 18px;
  color: #F59E0B;
  letter-spacing: 2px;
}
.testi-card__quote {
  font-size: 15px;
  color: var(--color-text);
  line-height: 1.75;
  font-style: italic;
  flex-grow: 1;
}
.testi-card__author {
  display: flex;
  align-items: center;
  gap: 12px;
  padding-top: 16px;
  border-top: 1px solid #E8ECF4;
}
.testi-card__avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: var(--gradient-accent);
  color: var(--color-primary);
  font-weight: 900;
  font-size: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.testi-card__name {
  font-size: 14px;
  font-weight: 800;
  color: var(--color-primary);
}
.testi-card__role {
  font-size: 12px;
  color: var(--color-text-muted);
  margin-top: 2px;
}

/* Score global */
.testi-score {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  background: var(--color-primary);
  border-radius: 20px;
  overflow: hidden;
}
.testi-score__item {
  flex: 1;
  padding: 28px 20px;
  text-align: center;
}
.testi-score__num {
  display: block;
  font-size: 36px;
  font-weight: 900;
  color: var(--color-accent);
  letter-spacing: -0.02em;
  line-height: 1;
  margin-bottom: 6px;
}
.testi-score__label {
  font-size: 12px;
  color: rgba(255,255,255,0.45);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.testi-score__sep {
  width: 1px;
  height: 50px;
  background: rgba(255,255,255,0.08);
  flex-shrink: 0;
}

@media (max-width: 768px) {
  .testi-grid  { grid-template-columns: 1fr; }
  .testi-score { flex-direction: column; }
  .testi-score__sep { width: 80px; height: 1px; }
  .testi-section { padding: 70px 0; }
}


/* ══════════════════════════════════════════════════════════
   FAQ
══════════════════════════════════════════════════════════ */

.faq-section {
  padding: 100px 0;
  background: #F4F6FA;
}

.faq-wrapper {
  display: grid;
  grid-template-columns: 1fr 1.8fr;
  gap: 80px;
  align-items: start;
}

/* Gauche */
.faq-badge {
  display: inline-block;
  padding: 8px 18px;
  background: var(--color-accent-light);
  color: var(--color-accent-dark);
  border-radius: var(--radius-full);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 16px;
}
.faq-title {
  font-size: clamp(28px, 3.5vw, 44px);
  font-weight: 900;
  color: var(--color-primary);
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 14px;
}
.faq-title span { color: var(--color-accent-dark); }
.faq-desc {
  font-size: 15px;
  color: var(--color-text-muted);
  line-height: 1.7;
  margin-bottom: 28px;
}
.faq-contact-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 22px;
  background: var(--color-primary);
  color: #ffffff;
  border-radius: 12px;
  font-size: 14px;
  font-weight: 800;
  text-decoration: none;
  transition: background 0.25s ease, transform 0.2s ease;
}
.faq-contact-btn svg { width: 16px; height: 16px; }
.faq-contact-btn:hover {
  background: var(--color-accent-dark);
  transform: translateY(-2px);
}

/* Accordéon */
.faq-right {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.faq-item {
  border-bottom: 1px solid #E8ECF4;
}
.faq-item:first-child { border-top: 1px solid #E8ECF4; }

.faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 0;
  background: transparent;
  border: none;
  cursor: pointer;
  font-size: 15px;
  font-weight: 700;
  color: var(--color-primary);
  text-align: left;
  font-family: var(--font-main);
  transition: color 0.2s ease;
}
.faq-q:hover { color: var(--color-accent-dark); }

.faq-icon {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  color: var(--color-accent-dark);
  transition: transform 0.3s cubic-bezier(0.4,0,0.2,1);
}
.faq-q[aria-expanded="true"] .faq-icon {
  transform: rotate(180deg);
}

.faq-a {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows 0.35s cubic-bezier(0.4,0,0.2,1);
}
.faq-a > p {
  overflow: hidden;
  font-size: 14px;
  color: var(--color-text-muted);
  line-height: 1.75;
  padding-bottom: 0;
  transition: padding-bottom 0.35s ease;
}
.faq-item.open .faq-a {
  grid-template-rows: 1fr;
}
.faq-item.open .faq-a > p {
  padding-bottom: 20px;
}

@media (max-width: 768px) {
  .faq-wrapper { grid-template-columns: 1fr; gap: 40px; }
  .faq-section  { padding: 70px 0; }
}


/* ══════════════════════════════════════════════════════════
   PAGE HERO (partagé toutes les pages internes)
══════════════════════════════════════════════════════════ */

.page-hero {
  padding: 100px 0 90px;
  position: relative;
  overflow: hidden;
}
.page-hero--dark {
  background: var(--color-primary);
}
.page-hero__dots {
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255,255,255,0.06) 1px, transparent 1px);
  background-size: 28px 28px;
  pointer-events: none;
}
.page-hero__glow {
  position: absolute;
  width: 500px; height: 500px;
  top: -150px; right: -100px;
  background: radial-gradient(circle, rgba(0,200,150,0.10) 0%, transparent 65%);
  pointer-events: none;
}
.page-hero__inner {
  position: relative;
  z-index: 2;
  max-width: 720px;
}
.page-hero__badge {
  display: inline-block;
  padding: 8px 18px;
  background: rgba(0,200,150,0.12);
  color: var(--color-accent);
  border-radius: var(--radius-full);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  border: 1px solid rgba(0,200,150,0.25);
  margin-bottom: 20px;
}
.page-hero__title {
  font-size: clamp(34px, 5vw, 62px);
  font-weight: 900;
  color: #ffffff;
  line-height: 1.08;
  letter-spacing: -0.025em;
  margin-bottom: 18px;
}
.page-hero__title span { color: var(--color-accent); }
.page-hero__sub {
  font-size: 17px;
  color: rgba(255,255,255,0.60);
  line-height: 1.75;
  max-width: 580px;
  margin-bottom: 36px;
}
.page-hero__actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

@media (max-width: 600px) {
  .page-hero { padding: 70px 0 60px; }
  .page-hero__actions { flex-direction: column; }
  .page-hero__actions .btn { width: 100%; justify-content: center; }
}


/* ══════════════════════════════════════════════════════════
   OVER ONS — Missie
══════════════════════════════════════════════════════════ */

.section-pill {
  display: inline-block;
  padding: 7px 16px;
  background: var(--color-accent-light);
  color: var(--color-accent-dark);
  border-radius: var(--radius-full);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 16px;
}

.section-missie {
  padding: 100px 0;
  background: #ffffff;
}
.missie-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.missie-title {
  font-size: clamp(28px, 3.5vw, 42px);
  font-weight: 900;
  color: var(--color-primary);
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 20px;
}
.missie-desc {
  font-size: 15px;
  color: var(--color-text-muted);
  line-height: 1.8;
  margin-bottom: 14px;
}
.missie-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 24px;
}
.missie-tag {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 8px 14px;
  background: #F4F6FA;
  border: 1px solid #E8ECF4;
  border-radius: var(--radius-full);
  font-size: 13px;
  font-weight: 700;
  color: var(--color-primary);
}
.missie-tag svg { width: 14px; height: 14px; color: var(--color-accent-dark); }

/* Carte visuelle droite */
.missie-card {
  background: var(--color-primary);
  border-radius: 24px;
  padding: 36px 32px;
  color: #ffffff;
}
.missie-card__top {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 24px;
}
.missie-card__logo {
  width: 48px; height: 48px;
  background: var(--color-accent);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  font-weight: 900;
  color: var(--color-primary);
  flex-shrink: 0;
}
.missie-card__brand {
  font-size: 16px;
  font-weight: 900;
  color: #ffffff;
}
.missie-card__since {
  font-size: 12px;
  color: rgba(255,255,255,0.45);
  margin-top: 2px;
}
.missie-card__quote {
  font-size: 15px;
  font-style: italic;
  color: rgba(255,255,255,0.70);
  line-height: 1.75;
  border-left: 3px solid var(--color-accent);
  padding-left: 16px;
  margin-bottom: 28px;
}
.missie-card__stats {
  display: flex;
  align-items: center;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.08);
}
.missie-card__stat {
  flex: 1;
  text-align: center;
}
.missie-card__stat-num {
  display: block;
  font-size: 26px;
  font-weight: 900;
  color: var(--color-accent);
  letter-spacing: -0.02em;
}
.missie-card__stat-label {
  font-size: 11px;
  color: rgba(255,255,255,0.40);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.missie-card__stat-sep {
  width: 1px;
  height: 36px;
  background: rgba(255,255,255,0.08);
}

@media (max-width: 900px) {
  .missie-grid { grid-template-columns: 1fr; gap: 40px; }
  .section-missie { padding: 70px 0; }
}


/* ══════════════════════════════════════════════════════════
   OVER ONS — Chiffres clés
══════════════════════════════════════════════════════════ */

.section-stats {
  padding: 80px 0;
  background: #F4F6FA;
}
.stats-header {
  text-align: center;
  margin-bottom: 48px;
}
.stats-title {
  font-size: clamp(26px, 3.5vw, 40px);
  font-weight: 900;
  color: var(--color-primary);
  letter-spacing: -0.02em;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.stat-card {
  background: #ffffff;
  border: 1px solid #E8ECF4;
  border-radius: 20px;
  padding: 36px 24px;
  text-align: center;
  transition: transform 0.28s ease, box-shadow 0.28s ease;
}
.stat-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 40px rgba(10,22,40,0.09);
}
.stat-card__icon {
  width: 52px; height: 52px;
  background: var(--color-accent-light);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent-dark);
  margin: 0 auto 16px;
}
.stat-card__icon svg { width: 24px; height: 24px; }
.stat-card__num {
  font-size: 44px;
  font-weight: 900;
  color: var(--color-primary);
  letter-spacing: -0.03em;
  line-height: 1;
  margin-bottom: 8px;
}
.stat-card__label {
  font-size: 13px;
  color: var(--color-text-muted);
  font-weight: 600;
}

@media (max-width: 768px) {
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
  .stats-grid { grid-template-columns: 1fr; }
}


/* ══════════════════════════════════════════════════════════
   OVER ONS — Waarden
══════════════════════════════════════════════════════════ */

.section-waarden {
  padding: 100px 0;
  background: #ffffff;
}
.waarden-header {
  text-align: center;
  max-width: 560px;
  margin: 0 auto 56px;
}
.waarden-title {
  font-size: clamp(28px, 3.5vw, 42px);
  font-weight: 900;
  color: var(--color-primary);
  letter-spacing: -0.02em;
  margin-bottom: 12px;
}
.waarden-sub {
  font-size: 15px;
  color: var(--color-text-muted);
  line-height: 1.7;
}
.waarden-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.waarde-card {
  background: #F7F8FC;
  border: 1px solid #E8ECF4;
  border-radius: 20px;
  padding: 32px 24px;
  position: relative;
  overflow: hidden;
  transition: transform 0.28s ease, box-shadow 0.28s ease, border-color 0.28s ease;
}
.waarde-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 40px rgba(10,22,40,0.09);
  border-color: rgba(0,200,150,0.25);
}
.waarde-card__num {
  position: absolute;
  top: -8px; right: 16px;
  font-size: 80px;
  font-weight: 900;
  color: rgba(10,22,40,0.04);
  line-height: 1;
  pointer-events: none;
  letter-spacing: -0.04em;
}
.waarde-card__icon {
  width: 48px; height: 48px;
  background: var(--color-accent-light);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent-dark);
  margin-bottom: 18px;
  position: relative;
  z-index: 1;
  transition: background 0.25s ease;
}
.waarde-card:hover .waarde-card__icon {
  background: var(--color-accent);
  color: var(--color-primary);
}
.waarde-card__icon svg { width: 22px; height: 22px; }
.waarde-card h3 {
  font-size: 17px;
  font-weight: 800;
  color: var(--color-primary);
  margin-bottom: 10px;
  position: relative; z-index: 1;
}
.waarde-card p {
  font-size: 14px;
  color: var(--color-text-muted);
  line-height: 1.75;
  position: relative; z-index: 1;
}

@media (max-width: 900px) {
  .waarden-grid { grid-template-columns: repeat(2, 1fr); }
  .section-waarden { padding: 70px 0; }
}
@media (max-width: 480px) {
  .waarden-grid { grid-template-columns: 1fr; }
}


/* ══════════════════════════════════════════════════════════
   OVER ONS — CTA Final
══════════════════════════════════════════════════════════ */

.over-cta {
  padding: 80px 0;
  background: #F4F6FA;
}
.over-cta__inner {
  background: var(--color-primary);
  border-radius: 24px;
  padding: 56px 64px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
}
.over-cta__text h2 {
  font-size: clamp(22px, 3vw, 34px);
  font-weight: 900;
  color: #ffffff;
  margin-bottom: 10px;
  letter-spacing: -0.02em;
}
.over-cta__text p {
  font-size: 15px;
  color: rgba(255,255,255,0.55);
  line-height: 1.7;
  max-width: 480px;
}
.over-cta__actions {
  display: flex;
  gap: 14px;
  flex-shrink: 0;
  flex-wrap: wrap;
}

@media (max-width: 900px) {
  .over-cta__inner {
    flex-direction: column;
    text-align: center;
    padding: 40px 32px;
  }
  .over-cta__actions { justify-content: center; }
}
@media (max-width: 480px) {
  .over-cta__actions { flex-direction: column; width: 100%; }
  .over-cta__actions .btn { width: 100%; justify-content: center; }
}

/* ══════════════════════════════════════════════════════════
   KREDIETEN PAGE — Coller à la fin de style.css
══════════════════════════════════════════════════════════ */

/* Section wrapper */
.kd-section {
  padding: 80px 0 100px;
  background: #F4F6FA;
}

/* Grid 4 colonnes */
.kd-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-bottom: 24px;
}

/* ── Card de base ─────────────────────────────────────── */
.kd-card {
  background: #ffffff;
  border: 1px solid #E8ECF4;
  border-radius: 20px;
  padding: 28px 24px 24px;
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
  transition: transform 0.28s ease, box-shadow 0.28s ease, border-color 0.28s ease;
}
.kd-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, #00C896, #00A87E);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s ease;
  border-radius: 20px 20px 0 0;
}
.kd-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 20px 50px rgba(10,22,40,0.10);
  border-color: rgba(0,200,150,0.20);
}
.kd-card:hover::before { transform: scaleX(1); }

/* Top : icone + tag */
.kd-card__head {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: 18px;
}
.kd-card__icon {
  width: 48px; height: 48px;
  background: #F4F6FA;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
  transition: background 0.25s ease, color 0.25s ease;
}
.kd-card__icon svg { width: 22px; height: 22px; }
.kd-card:hover .kd-card__icon {
  background: var(--color-accent-light);
  color: var(--color-accent-dark);
}

/* Tags */
.kd-card__tag {
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 4px 10px;
  border-radius: var(--radius-full);
  background: var(--color-accent-light);
  color: var(--color-accent-dark);
  flex-shrink: 0;
}
.kd-card__tag--blue  { background: rgba(10,22,40,0.07); color: var(--color-primary); }
.kd-card__tag--green { background: rgba(0,200,150,0.12); color: var(--color-accent-dark); }

/* Titre */
.kd-card__title {
  font-size: 17px;
  font-weight: 800;
  color: var(--color-primary);
  line-height: 1.3;
  margin-bottom: 10px;
}

/* Description */
.kd-card__desc {
  font-size: 13px;
  color: var(--color-text-muted);
  line-height: 1.7;
  margin-bottom: 18px;
  flex-grow: 1;
}

/* Features liste */
.kd-card__features {
  list-style: none;
  padding: 0; margin: 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-bottom: 22px;
  padding-top: 16px;
  border-top: 1px solid #F0F2F8;
}
.kd-card__features li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 600;
  color: var(--color-text);
}
.kd-card__features li svg {
  width: 14px; height: 14px;
  color: var(--color-accent-dark);
  flex-shrink: 0;
}

/* Bouton */
.kd-card__btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  padding: 12px 16px;
  background: var(--color-primary);
  color: #ffffff;
  border-radius: 12px;
  font-size: 13px;
  font-weight: 800;
  text-decoration: none;
  margin-top: auto;
  transition: background 0.25s ease, transform 0.2s ease;
}
.kd-card__btn:hover {
  background: var(--color-accent-dark);
  transform: translateY(-2px);
}

/* ── Large CTA card ───────────────────────────────────── */
.kd-cta {
  background: var(--color-primary);
  border-radius: 24px;
  padding: 56px 64px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 48px;
  margin-top: 4px;
  position: relative;
  overflow: hidden;
}
.kd-cta::before {
  content: '';
  position: absolute;
  width: 400px; height: 400px;
  top: -150px; right: -80px;
  background: radial-gradient(circle, rgba(0,200,150,0.12) 0%, transparent 65%);
  pointer-events: none;
}
.kd-cta__label {
  display: inline-block;
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--color-accent);
  margin-bottom: 12px;
}
.kd-cta__title {
  font-size: clamp(20px, 2.5vw, 30px);
  font-weight: 900;
  color: #ffffff;
  line-height: 1.2;
  letter-spacing: -0.02em;
  margin-bottom: 12px;
}
.kd-cta__desc {
  font-size: 15px;
  color: rgba(255,255,255,0.50);
  line-height: 1.7;
  max-width: 520px;
}
.kd-cta__actions {
  display: flex;
  flex-direction: column;
  gap: 12px;
  flex-shrink: 0;
  min-width: 220px;
}
.kd-cta__actions .btn {
  width: 100%;
  justify-content: center;
}

/* ── Responsive ───────────────────────────────────────── */
@media (max-width: 1200px) {
  .kd-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 900px) {
  .kd-grid { grid-template-columns: repeat(2, 1fr); }
  .kd-cta  { flex-direction: column; padding: 40px 32px; }
  .kd-cta__actions { width: 100%; min-width: unset; }
}
@media (max-width: 480px) {
  .kd-grid { grid-template-columns: 1fr; }
  .kd-section { padding: 60px 0 80px; }
}

/* ══════════════════════════════════════════════════════════
   HOE HET WERKT PAGE — Coller à la fin de style.css
══════════════════════════════════════════════════════════ */

.hhw-section {
  padding: 90px 0 100px;
  background: #ffffff;
}

/* Intro header */
.hhw-intro {
  text-align: center;
  max-width: 560px;
  margin: 0 auto 70px;
}
.hhw-intro__title {
  font-size: clamp(28px, 3.5vw, 42px);
  font-weight: 900;
  color: var(--color-primary);
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 12px;
}
.hhw-intro__sub {
  font-size: 16px;
  color: var(--color-text-muted);
  line-height: 1.7;
}

/* ── Timeline steps ───────────────────────────────────── */
.hhw-steps {
  display: flex;
  flex-direction: column;
  gap: 0;
  max-width: 860px;
  margin: 0 auto;
}

.hhw-step {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 32px;
  position: relative;
}

/* Aside : numéro + ligne verticale */
.hhw-step__aside {
  display: flex;
  flex-direction: column;
  align-items: center;
}
.hhw-step__num {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: #F4F6FA;
  border: 2px solid #E8ECF4;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  font-weight: 900;
  color: var(--color-primary);
  flex-shrink: 0;
  transition: background 0.3s ease, border-color 0.3s ease;
  z-index: 1;
}
.hhw-step:hover .hhw-step__num {
  background: var(--color-accent-light);
  border-color: var(--color-accent);
  color: var(--color-accent-dark);
}
.hhw-step__num--accent {
  background: var(--color-accent);
  border-color: var(--color-accent);
  color: var(--color-primary);
}

/* Ligne verticale */
.hhw-step__line {
  width: 2px;
  flex: 1;
  background: linear-gradient(to bottom, #E8ECF4 0%, transparent 100%);
  margin: 8px 0;
  min-height: 40px;
}

/* Contenu */
.hhw-step__content {
  background: #F7F8FC;
  border: 1px solid #E8ECF4;
  border-radius: 20px;
  padding: 32px 36px;
  margin-bottom: 20px;
  transition: box-shadow 0.3s ease, border-color 0.3s ease;
}
.hhw-step__content:hover {
  box-shadow: 0 12px 40px rgba(10,22,40,0.08);
  border-color: rgba(0,200,150,0.20);
}

/* Contenu dark (stap 4) */
.hhw-step__content--dark {
  background: var(--color-primary);
  border-color: transparent;
}
.hhw-step__content--dark:hover {
  box-shadow: 0 12px 40px rgba(0,0,0,0.20);
  border-color: rgba(0,200,150,0.30);
}

/* Head : icon + label/titre */
.hhw-step__head {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 16px;
}
.hhw-step__icon {
  width: 48px; height: 48px;
  min-width: 48px;
  background: var(--color-accent-light);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent-dark);
}
.hhw-step__icon svg { width: 22px; height: 22px; }
.hhw-step__icon--dark {
  background: rgba(0,200,150,0.15);
  color: var(--color-accent);
}

.hhw-step__label {
  display: block;
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-accent-dark);
  margin-bottom: 4px;
}
.hhw-step__label--light { color: rgba(255,255,255,0.40); }

.hhw-step__title {
  font-size: 20px;
  font-weight: 900;
  color: var(--color-primary);
  line-height: 1.2;
  margin: 0;
}
.hhw-step__title--light { color: #ffffff; }

.hhw-step__desc {
  font-size: 15px;
  color: var(--color-text-muted);
  line-height: 1.8;
  margin-bottom: 20px;
}
.hhw-step__desc--light { color: rgba(255,255,255,0.55); }

/* Details checkmarks */
.hhw-step__details {
  display: flex;
  flex-wrap: wrap;
  gap: 12px 24px;
  margin-bottom: 20px;
}
.hhw-step__detail {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 13px;
  font-weight: 700;
  color: var(--color-text);
}
.hhw-step__detail svg { width: 14px; height: 14px; color: var(--color-accent-dark); flex-shrink: 0; }
.hhw-step__detail--light { color: rgba(255,255,255,0.65); }
.hhw-step__detail--light svg { color: var(--color-accent); }

/* Lien interne */
.hhw-step__link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 800;
  color: var(--color-accent-dark);
  text-decoration: none;
  transition: gap 0.2s ease;
}
.hhw-step__link svg { width: 15px; height: 15px; }
.hhw-step__link:hover { gap: 12px; }
.hhw-step__link--accent {
  color: var(--color-accent);
}
.hhw-step__link--accent:hover { color: #ffffff; }


/* ── Section documents ────────────────────────────────── */
.hhw-docs {
  padding: 80px 0 100px;
  background: #F4F6FA;
}
.hhw-docs__inner {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 80px;
  align-items: center;
}
.hhw-docs__title {
  font-size: clamp(26px, 3vw, 38px);
  font-weight: 900;
  color: var(--color-primary);
  letter-spacing: -0.02em;
  margin-bottom: 14px;
  line-height: 1.1;
}
.hhw-docs__desc {
  font-size: 15px;
  color: var(--color-text-muted);
  line-height: 1.75;
  margin-bottom: 28px;
}

/* Cards documents */
.hhw-docs__cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.hhw-doc-card {
  background: #ffffff;
  border: 1px solid #E8ECF4;
  border-radius: 16px;
  padding: 20px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.hhw-doc-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 10px 30px rgba(10,22,40,0.08);
}
.hhw-doc-card__icon {
  width: 40px; height: 40px;
  min-width: 40px;
  background: var(--color-accent-light);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent-dark);
}
.hhw-doc-card__icon svg { width: 18px; height: 18px; }
.hhw-doc-card h4 {
  font-size: 14px;
  font-weight: 800;
  color: var(--color-primary);
  margin-bottom: 4px;
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}
.hhw-doc-card p {
  font-size: 12px;
  color: var(--color-text-muted);
  line-height: 1.6;
  margin: 0;
}
.optional {
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  background: #F0F2F8;
  color: var(--color-text-muted);
  padding: 2px 8px;
  border-radius: 20px;
}

/* Responsive */
@media (max-width: 768px) {
  .hhw-step         { grid-template-columns: 50px 1fr; gap: 20px; }
  .hhw-step__num    { width: 44px; height: 44px; font-size: 14px; }
  .hhw-step__content { padding: 24px 20px; }
  .hhw-docs__inner  { grid-template-columns: 1fr; gap: 40px; }
  .hhw-docs__cards  { grid-template-columns: 1fr; }
  .hhw-section      { padding: 60px 0 70px; }
  .hhw-docs         { padding: 60px 0 70px; }
}
@media (max-width: 480px) {
  .hhw-step__head   { flex-direction: column; }
  .hhw-step__details { flex-direction: column; gap: 8px; }
}

/* ══════════════════════════════════════════════════════════
   CONTACT PAGE — Coller à la fin de style.css
══════════════════════════════════════════════════════════ */

.contact-section {
  padding: 90px 0 100px;
  background: #F4F6FA;
}

/* Grid 2 colonnes */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 72px;
  align-items: start;
}

/* ── Colonne gauche : infos ───────────────────────────── */
.contact-info__title {
  font-size: clamp(22px, 2.8vw, 32px);
  font-weight: 900;
  color: var(--color-primary);
  letter-spacing: -0.02em;
  margin-bottom: 12px;
  line-height: 1.2;
}
.contact-info__desc {
  font-size: 15px;
  color: var(--color-text-muted);
  line-height: 1.75;
  margin-bottom: 36px;
}

/* Channels */
.contact-channels {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin-bottom: 32px;
}
.contact-channel {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 20px 0;
  border-bottom: 1px solid #E8ECF4;
}
.contact-channel:first-child { border-top: 1px solid #E8ECF4; }

.contact-channel__icon {
  width: 44px; height: 44px;
  min-width: 44px;
  background: var(--color-accent-light);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent-dark);
}
.contact-channel__icon svg { width: 20px; height: 20px; }

.contact-channel__label {
  display: block;
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--color-text-muted);
  margin-bottom: 4px;
}
.contact-channel__value {
  display: block;
  font-size: 15px;
  font-weight: 800;
  color: var(--color-primary);
  text-decoration: none;
  transition: color 0.2s ease;
  margin-bottom: 2px;
}
a.contact-channel__value:hover { color: var(--color-accent-dark); }
.contact-channel__hint {
  font-size: 12px;
  color: var(--color-text-muted);
}

/* Guarantee badge */
.contact-guarantee {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  background: #ffffff;
  border: 1px solid #E8ECF4;
  border-radius: 16px;
  padding: 18px 20px;
}
.contact-guarantee__icon {
  width: 40px; height: 40px;
  min-width: 40px;
  background: var(--color-accent-light);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent-dark);
}
.contact-guarantee__icon svg { width: 18px; height: 18px; }
.contact-guarantee__title {
  font-size: 14px;
  font-weight: 800;
  color: var(--color-primary);
  margin-bottom: 4px;
}
.contact-guarantee__sub {
  font-size: 12px;
  color: var(--color-text-muted);
  line-height: 1.6;
}

/* ── Formulaire ───────────────────────────────────────── */
.contact-form-wrap {
  background: #ffffff;
  border: 1px solid #E8ECF4;
  border-radius: 24px;
  padding: 40px 40px;
  box-shadow: 0 8px 40px rgba(10,22,40,0.06);
}

.contact-form {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

/* Row 2 colonnes */
.cf-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

/* Field */
.cf-field {
  display: flex;
  flex-direction: column;
  gap: 7px;
}

.cf-label {
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--color-text-muted);
}
.cf-label span { color: var(--color-accent-dark); }

/* Input / Select / Textarea */
.cf-input {
  width: 100%;
  padding: 13px 16px;
  background: #F7F8FC;
  border: 1.5px solid #E8ECF4;
  border-radius: 12px;
  font-size: 14px;
  font-weight: 600;
  color: var(--color-primary);
  font-family: var(--font-main);
  transition: border-color 0.2s ease, background 0.2s ease;
  outline: none;
}
.cf-input::placeholder { color: #B0B8C8; }
.cf-input:focus {
  border-color: var(--color-accent);
  background: #ffffff;
}
.cf-input.error { border-color: #EF4444; background: #FFF5F5; }

.cf-select {
  cursor: pointer;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg fill='none' stroke='%236B7280' stroke-width='2' viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M19 9l-7 7-7-7'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  background-size: 16px;
  padding-right: 40px;
}

.cf-textarea {
  resize: vertical;
  min-height: 130px;
}

/* Checkbox */
.cf-field--check { margin-top: 4px; }
.cf-check {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  cursor: pointer;
}
.cf-check input[type="checkbox"] { display: none; }
.cf-check__box {
  width: 20px; height: 20px;
  min-width: 20px;
  border: 2px solid #E8ECF4;
  border-radius: 6px;
  background: #F7F8FC;
  margin-top: 1px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.2s ease;
}
.cf-check input:checked + .cf-check__box {
  background: var(--color-accent);
  border-color: var(--color-accent);
}
.cf-check input:checked + .cf-check__box::after {
  content: '';
  width: 10px; height: 7px;
  border-left: 2px solid var(--color-primary);
  border-bottom: 2px solid var(--color-primary);
  transform: rotate(-45deg) translate(1px, -1px);
  display: block;
}
.cf-check__label {
  font-size: 13px;
  color: var(--color-text-muted);
  line-height: 1.6;
}
.cf-check__label a {
  color: var(--color-accent-dark);
  font-weight: 700;
  text-decoration: underline;
}

/* Bouton submit */
.cf-submit {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  width: 100%;
  padding: 16px;
  background: var(--color-primary);
  color: #ffffff;
  border: none;
  border-radius: 14px;
  font-size: 15px;
  font-weight: 800;
  font-family: var(--font-main);
  cursor: pointer;
  transition: background 0.25s ease, transform 0.2s ease;
}
.cf-submit svg { width: 18px; height: 18px; }
.cf-submit:hover {
  background: var(--color-accent-dark);
  transform: translateY(-2px);
}
.cf-submit:disabled {
  opacity: 0.6;
  cursor: not-allowed;
  transform: none;
}

/* Message succès */
.cf-success {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 16px 20px;
  background: rgba(0,168,126,0.08);
  border: 1px solid rgba(0,168,126,0.25);
  border-radius: 12px;
  font-size: 14px;
  font-weight: 700;
  color: var(--color-accent-dark);
}
.cf-success svg { width: 18px; height: 18px; flex-shrink: 0; }
.cf-success[hidden] { display: none; }

/* Responsive */
@media (max-width: 900px) {
  .contact-grid      { grid-template-columns: 1fr; gap: 48px; }
  .contact-section   { padding: 60px 0 80px; }
}
@media (max-width: 580px) {
  .cf-row            { grid-template-columns: 1fr; }
  .contact-form-wrap { padding: 28px 22px; }
}

/* ══════════════════════════════════════════════════════════
   FAQ PAGE — Coller à la fin de style.css
══════════════════════════════════════════════════════════ */

.faq-page-section {
  padding: 80px 0 100px;
  background: #F4F6FA;
}
.faq-page-grid {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 56px;
  align-items: start;
}

/* Nav sticky */
.faq-nav {
  position: sticky;
  top: calc(var(--header-h) + 24px);
  background: #ffffff;
  border: 1px solid #E8ECF4;
  border-radius: 20px;
  padding: 24px 20px;
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.faq-nav__title {
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-text-muted);
  margin-bottom: 8px;
  padding-bottom: 12px;
  border-bottom: 1px solid #F0F2F8;
}
.faq-nav__link {
  display: block;
  padding: 9px 12px;
  border-radius: 10px;
  font-size: 13px;
  font-weight: 700;
  color: var(--color-text-muted);
  text-decoration: none;
  transition: background 0.2s ease, color 0.2s ease;
}
.faq-nav__link:hover,
.faq-nav__link--active {
  background: var(--color-accent-light);
  color: var(--color-accent-dark);
}
.faq-nav__cta {
  margin-top: 16px;
  padding-top: 16px;
  border-top: 1px solid #F0F2F8;
}
.faq-nav__cta p {
  font-size: 12px;
  color: var(--color-text-muted);
  margin-bottom: 10px;
  font-weight: 600;
}
.faq-nav__cta .btn {
  width: 100%;
  justify-content: center;
  font-size: 13px;
  padding: 11px 16px;
}

/* Contenu accordéons */
.faq-page-content {
  display: flex;
  flex-direction: column;
  gap: 48px;
}
.faq-cat {
  scroll-margin-top: calc(var(--header-h) + 32px);
}
.faq-cat__title {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 20px;
  font-weight: 900;
  color: var(--color-primary);
  margin-bottom: 20px;
  letter-spacing: -0.01em;
}
.faq-cat__icon {
  width: 44px; height: 44px;
  min-width: 44px;
  background: var(--color-accent-light);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent-dark);
}
.faq-cat__icon svg { width: 20px; height: 20px; }

.faq-cat .faq-item {
  background: #ffffff;
  border: 1px solid #E8ECF4;
  border-radius: 14px;
  margin-bottom: 8px;
  overflow: hidden;
  transition: box-shadow 0.25s ease;
}
.faq-cat .faq-item:hover      { box-shadow: 0 4px 20px rgba(10,22,40,0.07); }
.faq-cat .faq-item.open       { border-color: rgba(0,200,150,0.25); box-shadow: 0 4px 20px rgba(0,200,150,0.08); }

.faq-cat .faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 22px;
  background: transparent;
  border: none;
  cursor: pointer;
  font-size: 15px;
  font-weight: 700;
  color: var(--color-primary);
  text-align: left;
  font-family: var(--font-main);
  transition: color 0.2s ease;
}
.faq-cat .faq-q:hover { color: var(--color-accent-dark); }
.faq-cat .faq-icon {
  width: 18px; height: 18px;
  flex-shrink: 0;
  color: var(--color-accent-dark);
  transition: transform 0.3s cubic-bezier(0.4,0,0.2,1);
}
.faq-cat .faq-q[aria-expanded="true"] .faq-icon { transform: rotate(180deg); }

.faq-cat .faq-a {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows 0.35s cubic-bezier(0.4,0,0.2,1);
}
.faq-cat .faq-a > p {
  overflow: hidden;
  font-size: 14px;
  color: var(--color-text-muted);
  line-height: 1.8;
  padding: 0 22px;
  transition: padding 0.35s ease;
}
.faq-cat .faq-item.open .faq-a            { grid-template-rows: 1fr; }
.faq-cat .faq-item.open .faq-a > p       { padding: 0 22px 20px; }

@media (max-width: 900px) {
  .faq-page-grid  { grid-template-columns: 1fr; gap: 32px; }
  .faq-nav        { position: static; }
  .faq-page-section { padding: 60px 0 80px; }
}


/* ══════════════════════════════════════════════════════════
   PRIVACYBELEID PAGE — Coller à la fin de style.css
══════════════════════════════════════════════════════════ */

.legal-section {
  padding: 80px 0 100px;
  background: #F4F6FA;
}
.legal-grid {
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 56px;
  align-items: start;
}

/* Nav sticky */
.legal-nav {
  position: sticky;
  top: calc(var(--header-h) + 24px);
  background: #ffffff;
  border: 1px solid #E8ECF4;
  border-radius: 20px;
  padding: 24px 20px;
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.legal-nav__title {
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-text-muted);
  margin-bottom: 8px;
  padding-bottom: 12px;
  border-bottom: 1px solid #F0F2F8;
}
.legal-nav__link {
  display: block;
  padding: 7px 10px;
  border-radius: 8px;
  font-size: 12px;
  font-weight: 600;
  color: var(--color-text-muted);
  text-decoration: none;
  transition: background 0.2s ease, color 0.2s ease;
}
.legal-nav__link:hover { background: var(--color-accent-light); color: var(--color-accent-dark); }

/* Contenu */
.legal-content {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.legal-block {
  padding: 40px 0;
  border-bottom: 1px solid #E8ECF4;
  scroll-margin-top: calc(var(--header-h) + 32px);
}
.legal-block:first-child { padding-top: 0; }
.legal-block:last-child  { border-bottom: none; }

.legal-block h2 {
  font-size: 20px;
  font-weight: 900;
  color: var(--color-primary);
  margin-bottom: 16px;
  letter-spacing: -0.01em;
}
.legal-block p {
  font-size: 14px;
  color: var(--color-text-muted);
  line-height: 1.85;
  margin-bottom: 12px;
}
.legal-block p:last-child { margin-bottom: 0; }
.legal-block a {
  color: var(--color-accent-dark);
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 2px;
}
.legal-block ul {
  padding-left: 0;
  margin: 12px 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.legal-block ul li {
  font-size: 14px;
  color: var(--color-text-muted);
  line-height: 1.7;
  padding-left: 20px;
  position: relative;
}
.legal-block ul li::before {
  content: '–';
  position: absolute;
  left: 0;
  color: var(--color-accent-dark);
  font-weight: 700;
}

/* Info box */
.legal-info-box {
  background: #ffffff;
  border: 1px solid #E8ECF4;
  border-left: 3px solid var(--color-accent);
  border-radius: 12px;
  padding: 20px 24px;
  margin: 16px 0;
}
.legal-info-box p {
  font-size: 14px;
  color: var(--color-text);
  margin-bottom: 6px;
  line-height: 1.6;
}
.legal-info-box p:last-child { margin-bottom: 0; }

@media (max-width: 900px) {
  .legal-grid   { grid-template-columns: 1fr; gap: 32px; }
  .legal-nav    { position: static; }
  .legal-section { padding: 60px 0 80px; }
}

/* ══════════════════════════════════════════════════════════
   KREDIET AANVRAGEN (single page) — Coller à la fin de style.css
══════════════════════════════════════════════════════════ */

.ka-section { padding: 80px 0 100px; background: #F4F6FA; }

.ka-layout {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 48px;
  align-items: start;
}

/* Aside sticky */
.ka-aside {
  position: sticky;
  top: calc(var(--header-h) + 24px);
  display: flex;
  flex-direction: column;
}
.ka-aside__block {
  display: flex; align-items: flex-start; gap: 14px;
  padding: 18px 0; border-bottom: 1px solid #E8ECF4;
}
.ka-aside__block:first-child { border-top: 1px solid #E8ECF4; }
.ka-aside__icon {
  width: 40px; height: 40px; min-width: 40px;
  background: var(--color-accent-light); border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  color: var(--color-accent-dark);
}
.ka-aside__icon svg { width: 18px; height: 18px; }
.ka-aside__title { font-size: 13px; font-weight: 800; color: var(--color-primary); margin-bottom: 3px; }
.ka-aside__text  { font-size: 12px; color: var(--color-text-muted); line-height: 1.5; }
.ka-aside__contact {
  margin-top: 20px; padding: 18px;
  background: var(--color-primary); border-radius: 16px; text-align: center;
}
.ka-aside__contact p { font-size: 12px; color: rgba(255,255,255,0.5); margin-bottom: 10px; }
.ka-aside__contact a {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  color: var(--color-accent); font-size: 14px; font-weight: 900; text-decoration: none;
}
.ka-aside__contact svg { width: 16px; height: 16px; }

/* Form wrap */
.ka-form-wrap {
  background: #ffffff; border: 1px solid #E8ECF4;
  border-radius: 24px; padding: 44px;
  box-shadow: 0 8px 40px rgba(10,22,40,0.06);
}
.ka-form { display: flex; flex-direction: column; }

/* Groupes */
.ka-group { padding: 36px 0; }
.ka-group:first-child { padding-top: 0; }
.ka-group__title {
  display: flex; align-items: center; gap: 10px;
  font-size: 16px; font-weight: 900; color: var(--color-primary);
  margin-bottom: 24px; padding-bottom: 14px;
  border-bottom: 2px solid #F0F2F8; letter-spacing: -0.01em;
}
.ka-group__title svg { width: 18px; height: 18px; color: var(--color-accent-dark); flex-shrink: 0; }

.ka-sep { height: 1px; background: #F0F2F8; }

/* Grilles */
.ka-grid { display: grid; gap: 20px; }
.ka-grid--3 { grid-template-columns: 1fr 1fr 1fr; }
.ka-grid--2 { grid-template-columns: 1fr 1fr; }
.ka-grid--1 { grid-template-columns: 1fr; }
.kaf--full  { grid-column: 1 / -1; }

/* Champ */
.kaf { display: flex; flex-direction: column; gap: 7px; }
.kaf__label {
  font-size: 11px; font-weight: 800; text-transform: uppercase;
  letter-spacing: 0.07em; color: var(--color-text-muted);
}
.kaf__label span { color: var(--color-accent-dark); }

.kaf__wrap {
  display: flex; align-items: center;
  background: #F7F8FC; border: 1.5px solid #E8ECF4;
  border-radius: 12px; overflow: hidden;
  transition: border-color 0.2s ease, background 0.2s ease;
}
.kaf__wrap:focus-within { border-color: var(--color-accent); background: #ffffff; }
.kaf__wrap.error         { border-color: #EF4444; background: #FFF5F5; }
.kaf__wrap--ta           { align-items: flex-start; }

.kaf__ico {
  display: flex; align-items: center; justify-content: center;
  padding: 0 12px; color: var(--color-accent-dark);
  min-height: 48px; flex-shrink: 0;
}
.kaf__ico svg   { width: 16px; height: 16px; }
.kaf__ico--top  { align-self: flex-start; padding-top: 14px; min-height: unset; }

.kaf__input {
  flex: 1; padding: 13px 12px 13px 0;
  background: transparent; border: none;
  font-size: 14px; font-weight: 600; color: var(--color-primary);
  font-family: var(--font-main); outline: none; min-width: 0;
}
.kaf__input[type="number"]::-webkit-outer-spin-button,
.kaf__input[type="number"]::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.kaf__input[type="number"] { -moz-appearance: textfield; }

.kaf__suf {
  padding: 0 12px 0 4px; font-size: 11px; font-weight: 800;
  color: var(--color-text-muted); letter-spacing: 0.04em; flex-shrink: 0;
}
.kaf__select {
  cursor: pointer; appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg fill='none' stroke='%236B7280' stroke-width='2' viewBox='0 0 24 24' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M19 9l-7 7-7-7'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 12px center; background-size: 14px; padding-right: 36px;
}
.kaf__ta   { resize: vertical; min-height: 110px; line-height: 1.7; }
.kaf__hint { font-size: 11px; color: var(--color-text-muted); }

/* Mensualité */
.ka-monthly {
  background: var(--color-primary); border-radius: 12px;
  padding: 10px 16px; min-height: 48px;
  display: flex; flex-direction: column; justify-content: center;
}
.ka-monthly__val  { font-size: 20px; font-weight: 900; color: var(--color-accent); letter-spacing: -0.02em; line-height: 1.1; }
.ka-monthly__rate { font-size: 10px; color: rgba(255,255,255,0.35); font-weight: 600; margin-top: 2px; text-transform: uppercase; letter-spacing: 0.04em; }

/* Checkbox */
.kaf--check { margin-top: 4px; }
.kaf__check { display: flex; align-items: flex-start; gap: 12px; cursor: pointer; }
.kaf__check input[type="checkbox"] { display: none; }
.kaf__chkbox {
  width: 20px; height: 20px; min-width: 20px;
  border: 2px solid #E8ECF4; border-radius: 6px; background: #F7F8FC;
  margin-top: 1px; display: flex; align-items: center; justify-content: center;
  transition: all 0.2s ease;
}
.kaf__check input:checked + .kaf__chkbox { background: var(--color-accent); border-color: var(--color-accent); }
.kaf__check input:checked + .kaf__chkbox::after {
  content: ''; width: 10px; height: 7px;
  border-left: 2px solid var(--color-primary); border-bottom: 2px solid var(--color-primary);
  transform: rotate(-45deg) translate(1px,-1px); display: block;
}
.kaf__chklabel { font-size: 13px; color: var(--color-text-muted); line-height: 1.6; }
.kaf__chklabel a { color: var(--color-accent-dark); font-weight: 700; text-decoration: underline; }

/* Submit */
.ka-submit-wrap { padding-top: 32px; display: flex; flex-direction: column; align-items: center; gap: 14px; }
.ka-submit {
  display: flex; align-items: center; justify-content: center; gap: 10px;
  width: 100%; padding: 18px; background: var(--color-primary); color: #fff;
  border: none; border-radius: 14px; font-size: 16px; font-weight: 900;
  font-family: var(--font-main); cursor: pointer; letter-spacing: -0.01em;
  transition: background 0.25s ease, transform 0.2s ease;
}
.ka-submit svg      { width: 20px; height: 20px; }
.ka-submit:hover    { background: var(--color-accent-dark); transform: translateY(-2px); }
.ka-submit:disabled { opacity: 0.6; cursor: not-allowed; transform: none; }
.ka-submit__note {
  display: flex; align-items: center; gap: 6px;
  font-size: 12px; color: var(--color-text-muted); font-weight: 600;
}
.ka-submit__note svg { width: 14px; height: 14px; color: var(--color-accent-dark); flex-shrink: 0; }

/* ══ Page Confirmation ══ */
.confirm-section {
  padding: 100px 0; background: #F4F6FA;
  min-height: 70vh; display: flex; align-items: center;
}
.confirm-inner {
  max-width: 600px; margin: 0 auto; background: #ffffff;
  border: 1px solid #E8ECF4; border-radius: 24px; padding: 56px 48px;
  text-align: center; box-shadow: 0 8px 40px rgba(10,22,40,0.07);
}
.confirm-icon {
  width: 72px; height: 72px; background: rgba(0,200,150,0.12);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  margin: 0 auto 24px; color: var(--color-accent-dark);
}
.confirm-icon svg { width: 36px; height: 36px; }
.confirm-title { font-size: clamp(24px,4vw,36px); font-weight: 900; color: var(--color-primary); letter-spacing: -0.02em; margin-bottom: 16px; }
.confirm-desc  { font-size: 15px; color: var(--color-text-muted); line-height: 1.75; margin-bottom: 12px; }
.confirm-steps { display: flex; align-items: center; justify-content: center; gap: 12px; margin: 32px 0; flex-wrap: wrap; }
.confirm-step  { text-align: center; }
.confirm-step__num {
  display: flex; width: 32px; height: 32px; background: var(--color-primary); color: #fff;
  border-radius: 50%; align-items: center; justify-content: center;
  font-weight: 900; font-size: 14px; margin: 0 auto 6px;
}
.confirm-step p  { font-size: 12px; color: var(--color-text-muted); font-weight: 600; }
.confirm-step em { color: var(--color-accent-dark); font-style: normal; font-weight: 800; }
.confirm-step__arrow { font-size: 18px; color: #D1D5DB; }
.confirm-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* Responsive */
@media (max-width: 900px) {
  .ka-layout  { grid-template-columns: 1fr; }
  .ka-aside   { position: static; }
  .ka-grid--3 { grid-template-columns: 1fr 1fr; }
  .ka-section { padding: 60px 0 80px; }
}
@media (max-width: 600px) {
  .ka-form-wrap  { padding: 28px 20px; }
  .ka-grid--3,
  .ka-grid--2    { grid-template-columns: 1fr; }
  .confirm-inner { padding: 36px 24px; }
}