:root {
  /* Couleurs */
  --primary: #2563eb;
  --primary-dark: #1d4ed8;
  --success: #10b981;
  --warning: #f59e0b;
  --danger: #ef4444;
  --bg-light: #fafafa;
  --bg-white: #ffffff;
  --text-main: #1f2937;
  --text-muted: #6b7280;
  --text-on-dark: #ffffff;
  --text-on-dark-muted: rgba(255,255,255,0.7);
  --text-on-dark-faint: rgba(255,255,255,0.5);
  --border-on-dark: rgba(255,255,255,0.1);
  --border: #e5e7eb;
  --footer-bg: var(--text-main);
  /* Ombres */
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.1);
  --shadow-lg: 0 10px 25px -5px rgba(0,0,0,0.1);
  --shadow-xl: 0 20px 40px -10px rgba(0,0,0,0.15);
  /* Forme */
  --radius: 12px;
  --radius-lg: 16px;
  --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  /* Espacements */
  --space-xs: .5rem;
  --space-sm: .75rem;
  --space-md: 1.25rem;
  --space-lg: 1.5rem;
  /* Typo */
  --fs-sm: .9rem;
  --maxw-text: 400px;
  --maxw-desc: 380px;
}

* { margin:0; padding:0; box-sizing:border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;
  background: var(--bg-light);
  color: var(--text-main);
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
img, svg { display:block; max-width:100%; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }

/* ===== HEADER ===== */
header {
  background: var(--bg-white);
  padding: 1rem 0;
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid var(--border);
}
#simulator { scroll-margin-top: 90px; }
@media (max-width: 540px) {
  #simulator { scroll-margin-top: 70px; }
  .header-content { gap: .75rem; }
  .logo-text { display: none; }
  .btn { padding: .7rem 1rem; font-size: .88rem; }
}
.header-content { display:flex; justify-content:space-between; align-items:center; gap:2rem; }
.logo { display:flex; align-items:center; gap:.75rem; font-weight:700; font-size:1.1rem; }
.logo-mark { width: 40px; height: 40px; color: var(--primary); flex-shrink: 0; }
.logo-text { line-height: 1.2; }
.logo-name { font-weight: 700; }
.logo-sub { font-size: .7rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: 1px; font-weight: 500; }

nav ul { display:flex; gap:2rem; list-style:none; }
nav a { font-size: .92rem; color: var(--text-muted); transition: var(--transition); font-weight: 500; }
nav a:hover { color: var(--primary); }
@media (max-width: 768px) { nav { display:none; } }

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap:.5rem;
  padding: .75rem 1.5rem;
  border-radius: var(--radius);
  font-weight: 600; font-size: .92rem;
  cursor: pointer; border: none;
  transition: var(--transition);
  white-space: nowrap;
}
.btn-primary { background: var(--primary); color: white; box-shadow: var(--shadow-md); }
.btn-primary:hover { background: var(--primary-dark); transform: translateY(-1px); box-shadow: var(--shadow-lg); }
.btn-ghost { background: transparent; color: var(--text-main); border: 1px solid var(--border); }
.btn-ghost:hover { border-color: var(--primary); color: var(--primary); }
.btn-lg { padding: 1rem 2rem; font-size: 1rem; }
.btn-block { width: 100%; }

/* ===== HERO ===== */
.hero { padding: 4rem 0 5rem; }
.hero-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 4rem; align-items: start;
}
@media (max-width: 968px) { .hero-grid { grid-template-columns: 1fr; gap: 2.5rem; } }

.hero-kicker {
  display: inline-flex; align-items: center; gap: .5rem;
  padding: .4rem .9rem; border-radius: 999px;
  background: rgba(37,99,235,0.08); color: var(--primary);
  font-size: .8rem; font-weight: 600; margin-bottom: 1.5rem;
}
.hero-kicker .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--success); animation: pulse 2s infinite; }

.hero-image {
  width: 100%; max-width: 520px; height: auto; aspect-ratio: 16 / 9;
  object-fit: cover; border-radius: var(--radius-lg);
  margin-bottom: 1.5rem; box-shadow: var(--shadow-lg);
}
@media (max-width: 640px) {
  .hero-image { aspect-ratio: 16 / 7; margin-bottom: 1rem; }
}
@media (max-width: 480px) {
  .hero-image { display: none; }
}
.hero h1 { font-size: clamp(2rem, 4vw, 3.25rem); font-weight: 800; line-height: 1.1; letter-spacing: -0.02em; margin-bottom: 1.25rem; }
.hero h1 span { color: var(--primary); }
.hero-lead { font-size: 1.1rem; color: var(--text-muted); margin-bottom: 2rem; max-width: 520px; }

.trust-list { list-style:none; display: flex; flex-direction: column; gap:.75rem; margin-bottom: 2.5rem; }
.trust-list li { display:flex; align-items:center; gap:.75rem; font-size: .95rem; }
.trust-list svg { width: 18px; height: 18px; color: var(--success); flex-shrink: 0; }

.hero-stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; padding-top: 2rem; border-top: 1px solid var(--border); }
.stat-value { font-size: 1.75rem; font-weight: 800; color: var(--text-main); line-height: 1; }
.stat-value .accent { color: var(--warning); }
.stat-label { font-size: .75rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: .5px; margin-top: .35rem; font-weight: 600; }

/* ===== SIMULATOR CARD ===== */
.simulator {
  background: var(--bg-white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--border);
  position: relative;
  overflow: hidden;
}
.sim-result {
  background: var(--bg-light);
  padding: 2.5rem 2rem 2rem;
  text-align: center;
  border-bottom: 1px solid var(--border);
}
.sim-result-label { font-size: .8rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: 1px; font-weight: 700; margin-bottom: .75rem; }
.sim-result-prefix { display: block; font-size: .8rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: .5px; font-weight: 600; margin-bottom: .25rem; }
.sim-result-value { font-size: clamp(2.25rem, 4.5vw, 3rem); font-weight: 800; color: var(--primary); line-height: 1; letter-spacing: -0.02em; }
.sim-result-value .unit { font-size: 1.1rem; color: var(--text-muted); font-weight: 600; margin-left: .2rem; }
.sim-result-sub { margin-top: .85rem; font-size: .88rem; color: var(--text-muted); }
.sim-result-sub b { color: var(--text-main); font-weight: 700; }
.taeg-badge {
  display: inline-block; background: var(--bg-white);
  border: 1px solid var(--border); color: var(--text-main);
  padding: .35rem .85rem; border-radius: 999px;
  font-size: .78rem; font-weight: 600; margin-top: 1rem;
}

.sim-body { padding: 2rem; }

.slider-group { margin-bottom: 1.75rem; }
.slider-group:last-child { margin-bottom: 0; }
.slider-head { display:flex; justify-content:space-between; align-items:baseline; margin-bottom: .75rem; }
.slider-label { font-size: .9rem; font-weight: 600; color: var(--text-main); }
.slider-value { font-size: 1.05rem; font-weight: 700; color: var(--primary); }

.slider-value-input {
  background: transparent; border: 1px solid transparent;
  text-align: right; font-size: 1.05rem; font-weight: 700;
  color: var(--primary); padding: .25rem .5rem; border-radius: 6px;
  font-family: inherit; outline: none; cursor: text;
  transition: var(--transition); max-width: 180px;
}
.slider-value-input:hover { background: rgba(37,99,235,0.06); border-color: var(--border); }
.slider-value-input:focus { background: rgba(37,99,235,0.08); border-color: var(--primary); }

.presets { display:flex; gap:.4rem; flex-wrap:wrap; margin-bottom: .85rem; }
.preset {
  padding: .35rem .75rem; font-size: .78rem; font-weight: 600;
  background: var(--bg-light); color: var(--text-muted);
  border: 1px solid var(--border); border-radius: 999px;
  cursor: pointer; transition: var(--transition); font-family: inherit;
}
.preset:hover { border-color: var(--primary); color: var(--primary); }
.preset.active { background: var(--primary); color: #fff; border-color: var(--primary); }

.slider-wrap { position: relative; height: 8px; background: var(--border); border-radius: 4px; }
.slider-fill {
  position: absolute; left: 0; top: 0; height: 100%;
  background: var(--primary);
  border-radius: 4px;
  transition: width .15s ease;
}
.slider-wrap input[type="range"] {
  position: absolute; inset: -8px 0; width: 100%; height: 24px;
  -webkit-appearance: none; appearance: none;
  background: transparent; cursor: pointer; margin: 0;
}
.slider-wrap input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--bg-white); border: 3px solid var(--primary);
  box-shadow: var(--shadow-md); cursor: pointer;
  transition: transform .15s ease;
}
.slider-wrap input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }
.slider-wrap input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--bg-white); border: 3px solid var(--primary);
  box-shadow: var(--shadow-md); cursor: pointer;
}
.slider-ticks { display:flex; justify-content:space-between; margin-top: .6rem; font-size: .72rem; color: var(--text-muted); }

/* Breakdown */
.breakdown { margin-top: 2rem; padding-top: 1.75rem; border-top: 1px solid var(--border); }
.breakdown-title { font-size: .85rem; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; color: var(--text-muted); margin-bottom: 1rem; }
.chart-row { display:flex; align-items:center; gap: 1.75rem; }
.donut {
  width: 110px; height: 110px; border-radius: 50%;
  background: conic-gradient(var(--primary) 0% 75%, var(--warning) 75% 100%);
  position: relative; flex-shrink: 0;
  transition: background .3s ease;
}
.donut::after {
  content:''; position:absolute; inset: 18px;
  background: var(--bg-white); border-radius: 50%;
}
.legend { flex: 1; display:flex; flex-direction:column; gap:.6rem; }
.legend-item { display:flex; align-items:center; gap:.65rem; font-size: .88rem; }
.legend-dot { width: 10px; height: 10px; border-radius: 50%; flex-shrink: 0; }
.legend-dot.capital { background: var(--primary); }
.legend-dot.interest { background: var(--warning); }
.legend-amount { margin-left: auto; font-weight: 700; }

.sim-cta { padding: 1.5rem 2rem 2rem; border-top: 1px solid var(--border); background: var(--bg-light); }
.sim-disclaimer { margin-top: 1rem; font-size: .75rem; color: var(--text-muted); text-align: center; line-height: 1.5; }

/* ===== SECTIONS ===== */
section { padding: 5rem 0; }
.section-head { text-align: center; max-width: 640px; margin: 0 auto 3rem; }
.section-kicker { font-size: .8rem; color: var(--primary); text-transform: uppercase; letter-spacing: 1.5px; font-weight: 700; margin-bottom: .75rem; }
.section-title { font-size: clamp(1.75rem, 3vw, 2.5rem); font-weight: 800; letter-spacing: -0.02em; margin-bottom: 1rem; line-height: 1.15; }
.section-lead { color: var(--text-muted); font-size: 1.05rem; }

/* ===== TRUST / VORTEILE ===== */
.vorteile { background: var(--bg-white); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.vorteile-grid { display:grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
@media (max-width:968px) { .vorteile-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width:540px) { .vorteile-grid { grid-template-columns: 1fr; } }
.vorteil {
  padding: 1.75rem; border-radius: var(--radius-lg); background: var(--bg-light);
  border: 1px solid var(--border); transition: var(--transition);
}
.vorteil:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: var(--primary); }
.vorteil-icon {
  width: 44px; height: 44px; border-radius: 10px;
  background: rgba(37,99,235,0.1); color: var(--primary);
  display:flex; align-items:center; justify-content:center;
  margin-bottom: 1rem;
}
.vorteil-icon svg { width: 22px; height: 22px; }
.vorteil h3 { font-size: 1.05rem; font-weight: 700; margin-bottom: .35rem; }
.vorteil p { font-size: .9rem; color: var(--text-muted); line-height: 1.5; }

/* ===== ABLAUF ===== */
.ablauf-grid { display:grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; position: relative; }
@media (max-width: 968px) { .ablauf-grid { grid-template-columns: repeat(2, 1fr); } }
.ablauf-step { text-align: left; }
.ablauf-num {
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--bg-white); border: 2px solid var(--primary); color: var(--primary);
  display:flex; align-items:center; justify-content:center;
  font-weight: 800; font-size: 1.1rem; margin-bottom: 1rem;
}
.ablauf-step h3 { font-size: 1.1rem; font-weight: 700; margin-bottom: .5rem; }
.ablauf-step p { font-size: .92rem; color: var(--text-muted); }

/* ===== FAQ ===== */
.faq { background: var(--bg-white); border-top: 1px solid var(--border); }
.faq-list { max-width: 760px; margin: 0 auto; display:flex; flex-direction:column; gap: .75rem; }
.faq-item {
  background: var(--bg-light); border: 1px solid var(--border);
  border-radius: var(--radius); overflow: hidden;
  transition: var(--transition);
}
.faq-item[open] { border-color: var(--primary); }
.faq-item summary {
  padding: 1.15rem 1.5rem; font-weight: 600; cursor: pointer;
  display: flex; justify-content: space-between; align-items: center; gap: 1rem;
  list-style: none; font-size: .98rem;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+'; font-size: 1.5rem; font-weight: 300; color: var(--primary);
  transition: transform .3s ease;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item-content { padding: 0 1.5rem 1.25rem; color: var(--text-muted); font-size: .92rem; line-height: 1.65; }

/* ===== FORM SECTION ===== */
.form-section { background: var(--bg-light); }
.form-card {
  max-width: 720px; margin: 0 auto;
  background: var(--bg-white); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl); border: 1px solid var(--border);
  overflow: hidden;
}
.form-progress { padding: 1.5rem 2rem 0; }
.form-progress-bar { height: 4px; background: var(--border); border-radius: 999px; overflow: hidden; }
.form-progress-fill { height: 100%; background: var(--primary); border-radius: 999px; transition: width .4s ease; }
.form-progress-text { display:flex; justify-content:space-between; font-size: .78rem; color: var(--text-muted); margin-bottom: .5rem; font-weight: 600; }
.form-body { padding: 2rem; min-height: 380px; }
.form-step h3 { font-size: 1.35rem; font-weight: 700; margin-bottom: .4rem; }
.form-step p.muted { color: var(--text-muted); margin-bottom: 1.5rem; font-size: .95rem; }

.opts-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: .75rem; }
@media (max-width:640px) { .opts-grid { grid-template-columns: repeat(2, 1fr); } }
.opt {
  padding: 1.1rem; background: var(--bg-light); border: 1px solid var(--border);
  border-radius: var(--radius); cursor: pointer; transition: var(--transition); text-align: left;
}
.opt:hover { border-color: var(--primary); transform: translateY(-1px); }
.opt.selected { border-color: var(--primary); background: rgba(37,99,235,0.06); box-shadow: 0 0 0 3px rgba(37,99,235,0.1); }
.opt-icon { font-size: 1.25rem; margin-bottom: .4rem; }
.opt-label { font-weight: 600; font-size: .92rem; margin-bottom: .2rem; }
.opt-desc { font-size: .78rem; color: var(--text-muted); }

.duration-grid { display:grid; grid-template-columns: repeat(6, 1fr); gap: .6rem; }
@media (max-width:640px) { .duration-grid { grid-template-columns: repeat(3, 1fr); } }
.duration-opt { padding: .9rem .5rem; text-align:center; background: var(--bg-light); border:1px solid var(--border); border-radius: var(--radius); cursor:pointer; font-weight:600; transition: var(--transition); font-size:.92rem; }
.duration-opt:hover { border-color: var(--primary); }
.duration-opt.selected { background: var(--primary); color: white; border-color: var(--primary); }

.fields-grid { display:grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
@media (max-width:640px) { .fields-grid { grid-template-columns: 1fr; } }
.field { position: relative; }
.field.full { grid-column: 1 / -1; }
.field input, .field textarea {
  width: 100%; padding: 1rem .9rem .5rem; border: 1px solid var(--border);
  border-radius: var(--radius); font-family: inherit; font-size: .95rem;
  background: var(--bg-white); transition: var(--transition); outline: none;
}
.field input:focus, .field textarea:focus { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(37,99,235,0.1); }
.field label {
  position: absolute; left: .9rem; top: 1rem; color: var(--text-muted);
  font-size: .95rem; pointer-events: none; transition: var(--transition); background: var(--bg-white); padding: 0 .3rem;
}
.field input:focus + label, .field input:not(:placeholder-shown) + label,
.field textarea:focus + label, .field textarea:not(:placeholder-shown) + label {
  top: -.55rem; font-size: .72rem; color: var(--primary); font-weight: 600;
}
.field.has-error input, .field.has-error textarea {
  border-color: var(--danger);
  box-shadow: 0 0 0 3px rgba(239,68,68,0.1);
  animation: shake .35s cubic-bezier(.36,.07,.19,.97);
}
.field.has-error label { color: var(--danger); }
.field-error {
  font-size: .75rem; color: var(--danger); font-weight: 600;
  margin-top: .35rem; padding-left: .4rem;
  display: flex; align-items: center; gap: .3rem;
}
.field-error::before { content: '⚠'; font-size: .9rem; }
@keyframes shake {
  10%, 90% { transform: translateX(-1px); }
  20%, 80% { transform: translateX(2px); }
  30%, 50%, 70% { transform: translateX(-3px); }
  40%, 60% { transform: translateX(3px); }
}
.server-error {
  margin-top: 1rem; padding: .75rem 1rem;
  background: rgba(239,68,68,0.08); border: 1px solid rgba(239,68,68,0.3);
  border-radius: var(--radius); color: var(--danger);
  font-size: .88rem; font-weight: 600;
  display: flex; align-items: center; gap: .5rem;
}
.server-error::before { content: '✕'; font-weight: 800; }

.recap { background: var(--bg-light); border-radius: var(--radius); padding: 1.25rem; border: 1px solid var(--border); margin-bottom: 1.25rem; }
.recap-row { display:flex; justify-content:space-between; padding: .45rem 0; font-size: .9rem; gap:1rem; }
.recap-row:not(:last-child) { border-bottom: 1px solid var(--border); }
.recap-row .k { color: var(--text-muted); }
.recap-row .v { font-weight: 600; text-align: right; }

.checkbox-row { display:flex; gap:.75rem; align-items:flex-start; font-size: .88rem; color: var(--text-muted); line-height: 1.5; cursor: pointer; }
.checkbox-row input { margin-top: .25rem; width: 16px; height: 16px; accent-color: var(--primary); }
.checkbox-row a { color: var(--primary); text-decoration: underline; }

.form-nav { padding: 1.25rem 2rem; border-top: 1px solid var(--border); background: var(--bg-light); display:flex; justify-content:space-between; align-items:center; gap: 1rem; }
.form-nav button:disabled { opacity: .4; cursor: not-allowed; }

.success-screen { text-align:center; padding: 2rem 1rem; }
.success-icon { width: 80px; height: 80px; border-radius: 50%; background: rgba(16,185,129,0.1); color: var(--success); display:flex; align-items:center; justify-content:center; margin: 0 auto 1.5rem; }
.success-icon svg { width: 44px; height: 44px; }

/* ===== UTILITIES ===== */
.mt-lg { margin-top: var(--space-lg); }
.mb-md { margin-bottom: var(--space-md); }
.text-primary { color: var(--primary); }
.success-msg { margin-top: var(--space-xs); max-width: var(--maxw-text); margin-left: auto; margin-right: auto; }

/* ===== FOOTER ===== */
footer { background: var(--footer-bg); color: var(--text-on-dark-muted); padding: 3rem 0 2rem; }
.footer-logo { color: var(--text-on-dark); margin-bottom: 1rem; }
.footer-logo .logo-mark { color: var(--primary); }
.footer-logo .logo-sub { color: var(--text-on-dark-faint); }
.footer-desc { font-size: var(--fs-sm); max-width: var(--maxw-desc); }
.footer-legal-links { display: flex; gap: var(--space-lg); }
.footer-grid { display:grid; grid-template-columns: 2fr 1fr 1fr; gap: 2.5rem; margin-bottom: 2.5rem; }
@media (max-width:768px) { .footer-grid { grid-template-columns: 1fr; } }
footer h4 { color: var(--text-on-dark); font-size: .82rem; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 1rem; }
footer ul { list-style: none; display:flex; flex-direction:column; gap: .5rem; font-size: .9rem; }
.footer-bottom { display:flex; justify-content:space-between; gap: 1rem; flex-wrap:wrap; font-size: .82rem; }
.footer-bottom a:hover { color: var(--text-on-dark); }
footer ul a:hover { color: var(--text-on-dark); }

body.modal-open { overflow: hidden; }

/* ===== PARTNERS MARQUEE ===== */
.partners {
  grid-column: 1 / -1;
  margin-top: 3rem; padding: 2rem 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.partners-title {
  text-align: center; font-size: .78rem;
  color: var(--text-muted); text-transform: uppercase;
  letter-spacing: 1.5px; font-weight: 600;
  margin-bottom: 1.5rem;
}
.marquee {
  overflow: hidden; position: relative;
  mask-image: linear-gradient(to right, transparent, #000 10%, #000 90%, transparent);
  -webkit-mask-image: linear-gradient(to right, transparent, #000 10%, #000 90%, transparent);
}
.marquee-track {
  display: flex; gap: 3rem; width: max-content;
  animation: marquee 40s linear infinite;
}
.marquee:hover .marquee-track { animation-play-state: paused; }
.partner-logo {
  font-size: 1rem; font-weight: 600;
  color: var(--text-muted); white-space: nowrap;
  opacity: .7; transition: var(--transition);
}
.partner-logo:hover { opacity: 1; color: var(--primary); }
@keyframes marquee {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}
@media (max-width: 768px) {
  .marquee-track { gap: 2rem; animation-duration: 30s; }
  .partner-logo { font-size: .95rem; }
}

/* ===== MODAL ===== */
.modal-backdrop {
  position: fixed; inset: 0; background: rgba(15, 23, 42, 0.6);
  backdrop-filter: blur(4px); -webkit-backdrop-filter: blur(4px);
  z-index: 200; display: flex; align-items: center; justify-content: center;
  padding: 1rem; overflow-y: auto;
  animation: fadeIn .2s ease;
}
.modal {
  background: var(--bg-white); border-radius: var(--radius-lg);
  width: 100%; max-width: 560px; box-shadow: var(--shadow-xl);
  overflow: hidden; position: relative;
  animation: modalIn .3s cubic-bezier(.22,.61,.36,1);
  max-height: calc(100vh - 2rem);
  display: flex; flex-direction: column;
}
@keyframes modalIn { from { opacity:0; transform: translateY(20px) scale(.96); } to { opacity:1; transform: none; } }

.modal-close {
  position: absolute; top: 1rem; right: 1rem; z-index: 2;
  width: 36px; height: 36px; border-radius: 50%;
  background: var(--bg-light); border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  cursor: pointer; transition: var(--transition); color: var(--text-muted);
}
.modal-close:hover { background: var(--bg-white); color: var(--text-main); border-color: var(--text-muted); }
.modal-close svg { width: 18px; height: 18px; }

.modal-header {
  padding: 2rem 2rem 0;
}
.modal-title { font-size: 1.35rem; font-weight: 800; margin-bottom: .3rem; letter-spacing: -.01em; }
.modal-sub { color: var(--text-muted); font-size: .92rem; margin-bottom: 1.25rem; }

.modal-recap {
  background: var(--bg-light);
  border: 1px solid var(--border);
  border-radius: var(--radius); padding: .9rem 1rem;
  display: flex; justify-content: space-around; gap: 1rem;
  margin: 0 2rem 1.25rem;
}
.modal-recap-item { text-align: center; }
.modal-recap-label { font-size: .7rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: .5px; font-weight: 600; }
.modal-recap-value { font-size: 1.1rem; font-weight: 800; color: var(--primary); margin-top: .15rem; }

.modal-body { padding: 0 2rem 1.5rem; overflow-y: auto; flex: 1; }
.modal-footer { padding: 1.25rem 2rem; border-top: 1px solid var(--border); background: var(--bg-light); display: flex; gap: .75rem; justify-content: space-between; align-items: center; }
.modal-step-indicator { font-size: .8rem; color: var(--text-muted); font-weight: 600; }
.modal-footer-centered { justify-content: center; margin-top: 1.5rem; border: none; background: transparent; }

.modal-success { text-align: center; padding: 2.5rem 2rem; }
.modal-success .success-icon { margin: 0 auto 1.5rem; }
.modal-success h3 { font-size: 1.5rem; margin-bottom: .5rem; }
.modal-success p { color: var(--text-muted); max-width: 360px; margin: 0 auto; }

@media (max-width: 540px) {
  .modal-backdrop { padding: .75rem; }
  .modal { max-width: 100%; }
  .modal-header { padding: 1.25rem 1.25rem 0; }
  .modal-body { padding: 0 1.25rem 1rem; }
  .modal-footer { padding: 1rem 1.25rem; }
  .modal-recap { margin: 0 1.25rem 1rem; }
  .modal-close { top: .75rem; right: .75rem; }
}

/* ===== MOBILE STICKY BAR ===== */
.mobile-sticky {
  position: fixed; bottom: 0; left: 0; right: 0;
  background: var(--bg-white); border-top: 1px solid var(--border);
  padding: .75rem 1rem; display: none;
  justify-content: space-between; align-items: center; gap: 1rem;
  z-index: 99; box-shadow: 0 -4px 16px rgba(0,0,0,0.08);
}
.ms-label { font-size: .68rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: .5px; font-weight: 600; }
.ms-value { font-size: 1.35rem; font-weight: 800; color: var(--primary); line-height: 1.1; }
@media (max-width: 768px) {
  .mobile-sticky { display: flex; }
  body { padding-bottom: 80px; }
}

/* ===== LEGAL PAGES ===== */
.legal-page { padding: 3rem 0 5rem; }
.legal-title {
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  font-weight: 800; letter-spacing: -0.02em;
  margin-bottom: 2rem; padding-bottom: 1.25rem;
  border-bottom: 2px solid var(--border);
}
.legal-content {
  max-width: 820px; font-size: .98rem; line-height: 1.75;
}
.legal-content h2 {
  font-size: 1.35rem; font-weight: 700; letter-spacing: -0.01em;
  margin: 2.5rem 0 .85rem; color: var(--text-main);
}
.legal-content h3 {
  font-size: 1.05rem; font-weight: 700;
  margin: 1.5rem 0 .5rem; color: var(--text-main);
}
.legal-content p { margin-bottom: 1rem; color: var(--text-main); }
.legal-content ul { margin: 0 0 1rem 1.25rem; }
.legal-content ul li { margin-bottom: .4rem; }
.legal-content a { color: var(--primary); text-decoration: underline; text-underline-offset: 2px; }
.legal-content a:hover { color: var(--primary-dark); }
.legal-notice {
  background: rgba(245,158,11,0.08);
  border-left: 4px solid var(--warning);
  padding: 1rem 1.25rem; border-radius: var(--radius);
  margin-bottom: 2rem; font-size: .92rem;
}
.legal-notice strong { color: var(--warning); }
.legal-date {
  margin-top: 3rem; padding-top: 1.25rem;
  border-top: 1px solid var(--border);
  font-size: .85rem; color: var(--text-muted); font-style: italic;
}

/* ===== TOUCH DEVICES ===== */
@media (pointer: coarse) {
  .btn { min-height: 44px; padding-top: .85rem; padding-bottom: .85rem; }
  .preset { min-height: 40px; padding: .65rem 1rem; font-size: .85rem; }
  .slider-wrap { height: 10px; }
  .slider-wrap input[type="range"] { inset: -14px 0; height: 34px; }
  .slider-wrap input[type="range"]::-webkit-slider-thumb { width: 28px; height: 28px; }
  .slider-wrap input[type="range"]::-moz-range-thumb { width: 28px; height: 28px; }
  .faq-item summary { min-height: 56px; }
  .modal-close { width: 44px; height: 44px; }
  .mobile-sticky .btn { min-height: 48px; font-size: .95rem; padding-left: 1.25rem; padding-right: 1.25rem; }
}

/* ===== MISC ===== */
.fade-in { }
[x-cloak] { display: none !important; }
</content>
</invoke>