/* Premium Banking Theme - Querra Bank (No icons/emojis) */
:root {
  --primary: #0d47a1;
  --primary-dark: #051751;
  --accent: #d4af37;
  --accent-light: #f0d574;
  --gold: #c9a876;
  --bg: #f5f7fa;
  --bg-dark: #1a1f2e;
  --text: #0f1419;
  --text-light: #495057;
  --muted: #6c757d;
  --border: #e0e3e8;
  --border-light: rgba(255,255,255,0.15);
  --radius: 16px;
  --shadow: 0 8px 24px rgba(13,71,161,0.12);
  --shadow-hover: 0 16px 48px rgba(13,71,161,0.18);
  --glass: rgba(255,255,255,0.08);
}

* { box-sizing: border-box; }
html, body { height: 100%; }
body { 
  font-family: "Segoe UI", "Helvetica Neue", system-ui, -apple-system, sans-serif; 
  color: var(--text); 
  background: var(--bg); 
  letter-spacing: 0.3px;
  line-height: 1.7;
}

/* Premium Typography */
h1, h2, h3, h4, h5, h6 { font-weight: 700; letter-spacing: -0.5px; }
h1 { font-size: 52px; }
h2 { font-size: 40px; }
h3 { font-size: 28px; }

.container { max-width: 1280px; margin: 0 auto; padding: 0 32px; }
.section { padding: 80px 0; position: relative; }

/* Hero Section */
#accueil.section {
  padding-top: 120px;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
}
.hero-content {
  color: white;
  max-width: 700px;
  margin: 0 auto;
  text-align: center;
}
.hero-content h1 {
  font-size: 52px;
  color: white;
  margin-bottom: 24px;
}
.hero-content h1 span {
  color: var(--accent);
}
.hero-content > p {
  font-size: 18px;
  color: rgba(255,255,255,0.9);
  margin-bottom: 32px;
  line-height: 1.8;
}
.hero-stats {
  display: flex;
  justify-content: center;
  gap: 60px;
  flex-wrap: wrap;
  margin-top: 40px;
}
.hero-stats > div {
  text-align: center;
}
.hero-stats .num {
  font-size: 32px;
  font-weight: 800;
  color: var(--accent);
  margin-bottom: 8px;
}
.hero-stats .label {
  color: rgba(255,255,255,0.8);
}

.section-title { 
  font-size: 40px; 
  font-weight: 800; 
  margin-bottom: 16px; 
  text-align: center; 
  background: linear-gradient(135deg, var(--primary), var(--accent));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.section-subtitle { 
  font-size: 18px; 
  color: var(--muted); 
  text-align: center; 
  max-width: 720px; 
  margin: 0 auto 48px;
  line-height: 1.8;
}

/* Premium Buttons */
.btn { 
  display: inline-flex; 
  align-items: center; 
  justify-content: center;
  gap: 10px; 
  border: none; 
  border-radius: 12px; 
  padding: 14px 28px; 
  font-weight: 700; 
  cursor: pointer; 
  text-decoration: none; 
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  font-size: 16px;
}
.btn-primary { 
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  color: #fff; 
  box-shadow: 0 6px 20px rgba(13,71,161,0.35);
  border: 1px solid rgba(212,175,55,0.3);
}
.btn-primary:hover { 
  transform: translateY(-3px); 
  box-shadow: 0 12px 32px rgba(13,71,161,0.45);
  background: linear-gradient(135deg, var(--primary-dark), #040a32);
}
.btn-outline { 
  background: transparent; 
  color: var(--primary); 
  border: 2px solid var(--primary);
}
.btn-outline:hover { 
  background: var(--primary); 
  color: #fff;
}
.btn-accent {
  background: linear-gradient(135deg, var(--accent), var(--gold));
  color: var(--primary-dark);
}
.btn-accent:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 32px rgba(212,175,55,0.35);
}

/* Card Grid */
.card-grid { 
  display: grid; 
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); 
  gap: 32px; 
}
.card { 
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius); 
  padding: 32px; 
  box-shadow: var(--shadow);
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  position: relative;
  overflow: hidden;
}
.card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--accent), var(--primary));
}
.card:hover { 
  transform: translateY(-8px); 
  box-shadow: var(--shadow-hover);
  border-color: var(--accent);
}
.card h3 { font-size: 22px; margin-bottom: 12px; color: var(--primary-dark); }
.card p { color: var(--muted); line-height: 1.8; }


/* Hero Section */
.hero { 
  min-height: 90vh; 
  display: flex; 
  align-items: center; 
  background: linear-gradient(135deg, #f5f7fa 0%, #e8ecf1 50%, rgba(13,71,161,0.03) 100%);
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(212,175,55,0.08), transparent);
  border-radius: 50%;
}
.hero-inner { 
  display: grid; 
  grid-template-columns: 1.3fr 0.7fr; 
  gap: 48px; 
  align-items: center;
  position: relative;
  z-index: 2;
}
.hero-title { 
  font-size: 56px; 
  font-weight: 800; 
  line-height: 1.15; 
  margin-bottom: 20px; 
  color: var(--primary-dark);
}
.hero-title .accent { 
  background: linear-gradient(135deg, var(--accent), var(--gold));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero-subtitle { 
  font-size: 18px; 
  color: var(--text-light); 
  margin-bottom: 32px; 
  line-height: 1.8;
  max-width: 600px;
}
.hero-cta { 
  display: flex; 
  gap: 16px; 
  flex-wrap: wrap; 
}
.hero-stats { 
  display: flex; 
  gap: 40px; 
  margin-top: 40px;
}
.stat { min-width: 160px; }
.stat .num { 
  font-size: 32px; 
  font-weight: 800; 
  color: var(--accent);
  line-height: 1;
  margin-bottom: 8px;
}
.stat .label { 
  color: var(--muted); 
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: 1px;
  font-weight: 600;
}

/* Pricing Cards */
.pricing { 
  display: grid; 
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); 
  gap: 32px; 
}
.price-card { 
  background: #fff;
  border: 2px solid var(--border);
  border-radius: var(--radius); 
  padding: 40px; 
  box-shadow: var(--shadow);
  transition: all 0.4s;
  position: relative;
}
.price-card.featured {
  border-color: var(--accent);
  box-shadow: 0 12px 48px rgba(212,175,55,0.25);
  transform: translateY(-8px);
}
.price-card .ribbon {
  position: absolute;
  top: -12px;
  right: 20px;
  background: linear-gradient(135deg, var(--accent), var(--gold));
  color: var(--primary-dark);
  padding: 6px 16px;
  border-radius: 20px;
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
}
.price-card .plan { 
  font-size: 18px; 
  font-weight: 800;
  color: var(--primary-dark);
  margin-bottom: 8px;
}
.price-card .price { 
  font-size: 42px; 
  font-weight: 800; 
  color: var(--accent);
  margin: 16px 0;
}
.price-card ul { 
  list-style: none; 
  padding: 0; 
  margin: 24px 0;
}
.price-card li { 
  padding: 12px 0;
  color: var(--muted);
  border-bottom: 1px solid var(--border);
  font-size: 15px;
}
.price-card li:last-child { border-bottom: none; }

/* Testimonials */
.testimonials { 
  display: grid; 
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); 
  gap: 32px;
}
.testimonial { 
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius); 
  padding: 32px; 
  box-shadow: var(--shadow);
  transition: all 0.3s;
  border-left: 4px solid var(--accent);
}
.testimonial:hover { box-shadow: var(--shadow-hover); }
.testimonial p {
  font-style: italic;
  color: var(--text-light);
  margin-bottom: 16px;
  line-height: 1.8;
}
.testimonial .name { 
  font-weight: 800;
  color: var(--primary-dark);
  margin-bottom: 4px;
}
.testimonial .role { 
  color: var(--accent);
  font-size: 13px;
  text-transform: uppercase;
  font-weight: 600;
}

/* Footer */
.footer { 
  background: linear-gradient(135deg, var(--bg-dark) 0%, #1e2436 100%);
  color: #fff; 
  padding: 64px 0 24px;
  position: relative;
}
.footer::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--accent), transparent);
}
.footer-grid { 
  display: grid; 
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); 
  gap: 40px;
  margin-bottom: 40px;
}
.footer h4 { 
  margin-bottom: 20px;
  font-size: 16px;
  text-transform: uppercase;
  letter-spacing: 2px;
  color: var(--accent);
  font-weight: 800;
}
.footer a { 
  color: #cbd5e1; 
  text-decoration: none;
  transition: color 0.3s;
  display: inline-block;
  margin-bottom: 8px;
}
.footer a:hover { color: var(--accent); }
.footer-bottom { 
  border-top: 1px solid rgba(212,175,55,0.2);
  padding-top: 24px; 
  text-align: center; 
  color: #9ca3af;
  font-size: 14px;
}

/* Loans Styling */
.loans-grid { 
  display: grid; 
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); 
  gap: 28px;
}
.loan-card { 
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius); 
  padding: 32px; 
  box-shadow: var(--shadow);
  transition: all 0.3s;
  position: relative;
}
.loan-card::after {
  content: '';
  position: absolute;
  top: 0;
  right: 0;
  width: 4px;
  height: 100%;
  background: linear-gradient(180deg, var(--accent), var(--primary));
  border-radius: 0 var(--radius) var(--radius) 0;
}
.loan-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-hover);
}
.loan-card .title { 
  font-weight: 800;
  color: var(--primary-dark);
  margin-bottom: 12px;
  font-size: 18px;
}
.loan-card .desc { 
  color: var(--muted); 
  margin-bottom: 16px;
  line-height: 1.7;
}
.loan-card .meta { 
  font-size: 13px; 
  color: var(--text-light);
  background: var(--bg);
  padding: 12px;
  border-radius: 8px;
  margin-bottom: 16px;
}

/* Responsive */
@media (max-width: 768px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-title { font-size: 42px; }
  .hero-stats { flex-direction: column; gap: 24px; }
  .section { padding: 60px 0; }
  h1 { font-size: 36px; }
  h2 { font-size: 28px; }
}

/* Animations */
@keyframes float {
  0%, 100% { transform: translateY(0px); }
  50% { transform: translateY(-12px); }
}
.floating {
  animation: float 4s ease-in-out infinite;
}
.delay-1 { animation-delay: 0.1s; }
.delay-2 { animation-delay: 0.2s; }

@keyframes slideInUp {
  from { opacity: 0; transform: translateY(40px); }
  to { opacity: 1; transform: translateY(0); }
}
.slideInUp {
  animation: slideInUp 0.6s ease-out;
}

/* Utility Classes */
.btn-full { width: 100%; margin-top: 16px; }
.btn-lg { font-size: 1.1rem; padding: 16px 32px; }
.btn-outline-light { background: rgba(255,255,255,0.1); color: white; border-color: white; }
.cta-center { text-align: center; max-width: 600px; margin: 0 auto; }
.cta-group { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; margin-top: 32px; }
.footer-desc { color: #cbd5e1; line-height: 1.6; }

/* Forms */
input, textarea, select {
  font-family: inherit;
}
input:focus, textarea:focus, select:focus {
  border-color: var(--primary) !important;
  outline: none;
}

/* Details/Accordion */
details {
  transition: all 0.3s;
}
details[open] summary {
  color: var(--accent);
}

/* Tables */
table {
  width: 100%;
  border-collapse: collapse;
}
thead th {
  background: var(--primary);
  color: white;
  padding: 16px;
  text-align: left;
}
tbody td {
  padding: 16px;
  border-bottom: 1px solid var(--border);
}