/* ============================================================
   BHB — Banque de l'Habitat du Burundi · site institutionnel v2
   Charte : rouge #C5253F · vert #06583A · ivoire #FAF7F2 · or #B98A2F
   ============================================================ */
:root{
  --rouge:#C5253F;
  --rouge-fonce:#9E1B31;
  --rouge-tres-fonce:#7A1425;
  --vert:#06583A;
  --vert-clair:#0B9865;
  --ivoire:#FAF7F2;
  --or:#B98A2F;
  --or-clair:#E8C97A;
  --encre:#1C1B22;
  --gris:#6B6872;
  --blanc:#FFFFFF;
  --ombre:0 2px 8px rgba(28,27,34,.08),0 8px 24px rgba(28,27,34,.06);
  --ombre-forte:0 8px 32px rgba(28,27,34,.14);
  --rayon:14px;
  --header-h:76px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Manrope',system-ui,-apple-system,sans-serif;background:var(--ivoire);color:var(--encre);line-height:1.65;font-size:16px}
h1,h2,h3,h4{line-height:1.22;letter-spacing:-.3px}
img,svg{max-width:100%}
a{color:inherit}
.container{max-width:1160px;margin:0 auto;padding:0 24px}
.section{padding:84px 0}
.section.alt{background:var(--blanc)}
.section.dark{background:var(--encre);color:#fff;position:relative;overflow:hidden}
.section.dark::before{content:"";position:absolute;inset:0;background:
  radial-gradient(ellipse 55% 75% at 85% 10%,rgba(185,138,47,.16),transparent 60%),
  radial-gradient(ellipse 50% 65% at 8% 90%,rgba(197,37,63,.22),transparent 55%),
  radial-gradient(ellipse 40% 50% at 50% 50%,rgba(6,88,58,.14),transparent 65%);
  pointer-events:none}
.section.dark>*{position:relative;z-index:1}
.kicker{display:inline-flex;align-items:center;gap:10px;font-size:12.5px;font-weight:800;letter-spacing:1.8px;text-transform:uppercase;color:var(--rouge);margin-bottom:14px}
.kicker::before{content:"";width:28px;height:2px;background:var(--rouge)}
.section.dark .kicker{color:var(--or-clair)}
.section.dark .kicker::before{background:var(--or-clair)}
h2.section-title{font-size:clamp(26px,3.4vw,40px);font-weight:800;margin-bottom:14px;max-width:700px}
.section-lead{font-size:17px;color:var(--gris);max-width:660px;margin-bottom:48px}
.section.dark .section-lead{color:rgba(255,255,255,.78)}
.section.dark .section-title{color:#fff}

/* ---------- SKIP LINK ---------- */
.skip{position:absolute;left:-9999px;top:0;background:var(--encre);color:#fff;padding:12px 20px;z-index:400;border-radius:0 0 10px 0;font-weight:700;text-decoration:none}
.skip:focus{left:0}

/* ---------- HEADER ---------- */
header.site{position:sticky;top:0;z-index:200;background:rgba(250,247,242,.96);backdrop-filter:blur(10px);border-bottom:1px solid rgba(28,27,34,.07);transition:box-shadow .25s}
header.site.scrolled{box-shadow:0 4px 18px rgba(28,27,34,.12)}
.navbar{display:flex;align-items:center;justify-content:space-between;height:var(--header-h);transition:height .25s}
header.site.scrolled .navbar{height:60px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--encre);flex-shrink:0}
.brand svg{width:44px;height:44px;flex-shrink:0;transition:width .25s,height .25s}
header.site.scrolled .brand svg{width:36px;height:36px}
.brand-name{font-size:19px;font-weight:800;letter-spacing:.2px;white-space:nowrap}
.brand-name small{display:block;font-size:9.5px;font-weight:700;color:var(--gris);letter-spacing:1.6px;text-transform:uppercase}
nav.main ul{display:flex;list-style:none;gap:4px;align-items:center}
nav.main a{display:flex;align-items:center;gap:6px;padding:12px 13px;border-radius:10px;text-decoration:none;color:var(--encre);font-weight:700;font-size:14px;transition:background .2s,color .2s;min-height:44px;white-space:nowrap}
@media(max-width:1200px){
  .brand-name small{display:none}
  nav.main a{padding:12px 10px;font-size:13.5px}
}
nav.main a:hover{background:rgba(197,37,63,.08);color:var(--rouge)}
nav.main a.active{color:var(--rouge);background:rgba(197,37,63,.09)}
nav.main a.btn-connexion{background:var(--rouge);color:#fff;font-weight:800}
nav.main a.btn-connexion:hover{background:var(--rouge-fonce);color:#fff}
.burger{display:none;background:none;border:none;cursor:pointer;padding:10px;color:var(--encre);min-width:44px;min-height:44px}
.burger svg{width:26px;height:26px}
@media(max-width:900px){
  nav.main{position:absolute;top:100%;left:0;right:0;background:var(--ivoire);border-bottom:1px solid rgba(28,27,34,.1);display:none;padding:16px;box-shadow:var(--ombre)}
  nav.main.open{display:block}
  nav.main ul{flex-direction:column;align-items:stretch;gap:2px}
  nav.main a{padding:14px 16px}
  .burger{display:block}
}

/* ---------- BOUTONS ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:15px 30px;border-radius:12px;font-size:15.5px;font-weight:800;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .15s,box-shadow .2s,background .2s,color .2s;min-height:52px;font-family:inherit}
.btn:hover{transform:translateY(-2px)}
.btn svg{width:19px;height:19px;flex-shrink:0}
.btn-primary{background:var(--rouge);color:#fff;box-shadow:0 4px 16px rgba(197,37,63,.35)}
.btn-primary:hover{background:var(--rouge-fonce)}
.btn-secondary{background:rgba(255,255,255,.14);color:#fff;border:1.5px solid rgba(255,255,255,.4)}
.btn-secondary:hover{background:rgba(255,255,255,.24)}
.btn-outline{background:transparent;color:var(--rouge);border-color:var(--rouge)}
.btn-outline:hover{background:rgba(197,37,63,.07)}
.btn-ghost{background:transparent;color:var(--gris);padding:12px 20px;min-height:44px}
.btn-ghost:hover{color:var(--encre);background:rgba(28,27,34,.05)}
.btn-print{background:var(--encre);color:#fff}
.btn-print:hover{background:#000}

/* ---------- HERO ---------- */
.hero{position:relative;min-height:84vh;display:flex;align-items:center;color:#fff;overflow:hidden}
.hero-bg{position:absolute;inset:0;background:linear-gradient(108deg,#20090E 0%,var(--rouge-tres-fonce) 40%,var(--rouge-fonce) 75%,var(--rouge) 100%)}
.hero-bg::after{content:"";position:absolute;inset:0;opacity:.5;background:
  radial-gradient(ellipse 60% 80% at 78% 12%,rgba(185,138,47,.35),transparent 55%),
  radial-gradient(ellipse 45% 55% at 12% 88%,rgba(6,88,58,.45),transparent 60%),
  repeating-linear-gradient(115deg,rgba(250,247,242,.028) 0 2px,transparent 2px 22px)}
.hero-bg svg.grid-lines{position:absolute;inset:0;width:100%;height:100%;opacity:.20}
.hero-inner{position:relative;z-index:2;padding:96px 24px;max-width:1160px;margin:0 auto;width:100%}
.hero h1{font-size:clamp(34px,5vw,58px);font-weight:800;margin-bottom:20px;max-width:760px}
.hero h1 .accent{color:var(--or-clair)}
.hero .lead{font-size:clamp(16px,2vw,19px);color:rgba(255,255,255,.85);max-width:620px;margin-bottom:34px}
.hero .lead strong{color:#fff}
.badge-secure{display:inline-flex;align-items:center;gap:10px;background:rgba(6,88,58,.6);border:1px solid rgba(11,152,101,.55);padding:9px 18px;border-radius:99px;font-size:13px;font-weight:700;margin-bottom:26px;color:#D8F5E7}
.badge-secure svg{width:16px;height:16px;flex-shrink:0}
.cta-row{display:flex;gap:16px;flex-wrap:wrap}

/* hero court des pages internes */
.hero-page{position:relative;color:#fff;overflow:hidden;padding:0}
.hero-page .hero-bg{position:absolute;inset:0}
.hero-page .hero-inner{padding:72px 24px}
.hero-page h1{font-size:clamp(30px,4vw,44px);font-weight:800;margin-bottom:14px;max-width:760px}
.hero-page .lead{font-size:17px;color:rgba(255,255,255,.85);max-width:640px}
.hero-page .badge-secure{margin-bottom:22px}

/* ---------- BANDE STATS ---------- */
.stats-band{background:var(--vert);color:#fff;padding:34px 0}
.stats-band .container{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;text-align:center}
.stat-item strong{display:block;font-size:clamp(22px,2.6vw,30px);font-weight:800;color:var(--or-clair);letter-spacing:.5px}
.stat-item span{font-size:13.5px;color:rgba(255,255,255,.85);font-weight:600}
@media(max-width:760px){.stats-band .container{grid-template-columns:repeat(2,1fr);gap:22px}}

/* ---------- CARTES PRODUITS ---------- */
.cards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.cards-grid.two{grid-template-columns:repeat(2,1fr)}
.cards-grid.four{grid-template-columns:repeat(4,1fr)}
.card-product{background:var(--blanc);border-radius:var(--rayon);padding:34px;box-shadow:var(--ombre);transition:transform .25s,box-shadow .25s;position:relative;overflow:hidden;display:flex;flex-direction:column;text-decoration:none;color:var(--encre)}
.card-product::before{content:"";position:absolute;left:0;bottom:0;height:4px;width:0;background:linear-gradient(90deg,var(--rouge),var(--or));transition:width .35s ease}
.card-product:hover{transform:translateY(-6px);box-shadow:var(--ombre-forte)}
.card-product:hover::before{width:100%}
.card-product .icon{width:54px;height:54px;border-radius:14px;display:flex;align-items:center;justify-content:center;margin-bottom:20px;background:rgba(197,37,63,.08);flex-shrink:0}
.card-product .icon svg{width:26px;height:26px;color:var(--rouge)}
.card-product h3{font-size:18px;font-weight:800;margin-bottom:10px}
.card-product p{font-size:14px;color:var(--gris);flex:1}
.card-product .card-link{display:inline-flex;align-items:center;gap:8px;margin-top:18px;color:var(--rouge);font-weight:800;font-size:14px}
.card-product .card-link svg{width:16px;height:16px;transition:transform .2s}
.card-product:hover .card-link svg{transform:translateX(4px)}
.card-product .tag{display:inline-block;background:rgba(185,138,47,.12);color:var(--or);font-size:11.5px;font-weight:800;letter-spacing:.8px;text-transform:uppercase;padding:4px 12px;border-radius:99px;margin-bottom:16px;align-self:flex-start}
@media(max-width:960px){.cards-grid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.cards-grid,.cards-grid.four{grid-template-columns:1fr}}

/* ---------- LISTE À PUCE SOBRE ---------- */
.check-list{list-style:none}
.check-list li{display:flex;gap:12px;padding:10px 0;border-bottom:1px solid rgba(28,27,34,.06);font-size:14.5px;align-items:flex-start}
.check-list li:last-child{border-bottom:none}
.check-list li svg{width:18px;height:18px;flex-shrink:0;margin-top:4px;color:var(--vert-clair)}

/* ---------- ÉTAPES ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:28px 24px;counter-reset:step}
.steps.three{grid-template-columns:repeat(3,1fr)}
.step{position:relative;padding-left:62px;counter-increment:step}
.step::before{content:counter(step);position:absolute;top:0;left:0;width:46px;height:46px;border-radius:13px;background:var(--rouge);color:#fff;font-weight:800;font-size:19px;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 12px rgba(197,37,63,.3)}
.step h3{font-size:16.5px;font-weight:800;margin-bottom:8px;padding-top:8px}
.step p{font-size:13.5px;color:var(--gris)}
@media(max-width:820px){.steps,.steps.three{grid-template-columns:1fr;gap:24px}}

/* ---------- SECTION DIASPORA ---------- */
.diaspora-band{background:linear-gradient(115deg,#12261C 0%,var(--vert) 60%,#0B9865 120%);color:#fff;padding:76px 0;position:relative;overflow:hidden}
.diaspora-band::before{content:"";position:absolute;inset:0;background:
  radial-gradient(ellipse 55% 80% at 85% 20%,rgba(232,201,122,.22),transparent 60%),
  radial-gradient(ellipse 40% 60% at 10% 80%,rgba(197,37,63,.18),transparent 55%);pointer-events:none}
.diaspora-band .container{position:relative;z-index:1;display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:center}
.diaspora-band h2{font-size:clamp(26px,3.2vw,36px);font-weight:800;margin-bottom:16px}
.diaspora-band h2 .accent{color:var(--or-clair)}
.diaspora-band p{color:rgba(255,255,255,.85);margin-bottom:26px;font-size:16.5px}
.diaspora-band .btn-primary{background:#fff;color:var(--vert)}
.diaspora-band .btn-primary:hover{background:var(--ivoire)}
.diaspora-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.18);border-radius:18px;padding:30px;backdrop-filter:blur(6px)}
.diaspora-card h3{font-size:15px;font-weight:800;color:var(--or-clair);margin-bottom:16px;display:flex;align-items:center;gap:10px}
.diaspora-card h3 svg{width:20px;height:20px}
.diaspora-card ul{list-style:none}
.diaspora-card li{display:flex;gap:10px;padding:9px 0;font-size:14px;color:rgba(255,255,255,.88);align-items:flex-start;border-bottom:1px solid rgba(255,255,255,.1)}
.diaspora-card li:last-child{border-bottom:none}
.diaspora-card li svg{width:17px;height:17px;flex-shrink:0;margin-top:4px;color:var(--or-clair)}
@media(max-width:900px){.diaspora-band .container{grid-template-columns:1fr}}

/* ---------- CTA FINAL ---------- */
.cta-final{background:linear-gradient(120deg,#1D0A10 0%,#3A1620 45%,var(--rouge-fonce) 100%);color:#fff;padding:84px 0;text-align:center;position:relative;overflow:hidden}
.cta-final::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 50% 70% at 50% 0%,rgba(185,138,47,.18),transparent 60%);pointer-events:none}
.cta-final .container{position:relative;z-index:1}
.cta-final h2{font-size:clamp(26px,3.4vw,40px);font-weight:800;margin-bottom:14px}
.cta-final p{color:rgba(255,255,255,.85);margin-bottom:36px;font-size:17px;max-width:560px;margin-left:auto;margin-right:auto}

/* ---------- FORMULAIRES ---------- */
.form-panel{background:var(--blanc);border-radius:18px;padding:40px;box-shadow:var(--ombre-forte);max-width:840px;margin:0 auto}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.field{display:flex;flex-direction:column}
.field.full{grid-column:1/-1}
.field label{font-size:13.5px;font-weight:800;margin-bottom:7px}
.field label .req{color:var(--rouge)}
.field input,.field select,.field textarea{width:100%;padding:13px 16px;border:1.5px solid rgba(28,27,34,.16);border-radius:10px;font-size:15px;background:var(--blanc);transition:border .2s,box-shadow .2s;font-family:inherit;color:var(--encre)}
.field textarea{resize:vertical;min-height:110px}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--rouge);box-shadow:0 0 0 3px rgba(197,37,63,.14)}
.field input[aria-invalid="true"],.field select[aria-invalid="true"]{border-color:var(--rouge);background:rgba(197,37,63,.04)}
.field small{font-size:12px;color:var(--gris);margin-top:5px}
.form-error{display:none;background:rgba(197,37,63,.09);border:1px solid rgba(197,37,63,.35);color:var(--rouge-fonce);padding:12px 16px;border-radius:10px;font-size:13.5px;font-weight:700;margin-top:8px}
.form-error.show{display:flex;align-items:flex-start;gap:8px}
.form-error svg{width:16px;height:16px;flex-shrink:0;margin-top:2px}
.form-success{display:none;background:rgba(6,88,58,.08);border:1px solid rgba(11,152,101,.4);color:var(--vert);padding:16px 20px;border-radius:12px;font-size:14.5px;font-weight:700;margin-bottom:20px}
.form-success.show{display:block}
.form-success strong{display:block;font-size:16px;margin-bottom:4px}
.form-actions{display:flex;gap:14px;margin-top:28px;flex-wrap:wrap;align-items:center}
@media(max-width:700px){.form-grid{grid-template-columns:1fr}.form-panel{padding:26px}}

/* ---------- FAQ ACCORDÉON ---------- */
.faq-list{max-width:820px;margin:0 auto}
.faq-item{background:var(--blanc);border-radius:12px;box-shadow:var(--ombre);margin-bottom:14px;overflow:hidden}
.faq-item button.faq-q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:20px 24px;background:none;border:none;font-family:inherit;font-size:15.5px;font-weight:800;color:var(--encre);cursor:pointer;text-align:left;min-height:44px}
.faq-item button.faq-q:hover{color:var(--rouge)}
.faq-item button.faq-q .chev{width:22px;height:22px;flex-shrink:0;color:var(--rouge);transition:transform .25s}
.faq-item.open button.faq-q .chev{transform:rotate(180deg)}
.faq-a{display:none;padding:0 24px 20px;font-size:14.5px;color:var(--gris)}
.faq-item.open .faq-a{display:block}

/* ---------- WIZARD 3 ÉTAPES (demande de crédit) ---------- */
.wizard-progress{display:flex;gap:10px;margin-bottom:36px}
.wizard-progress .wstep{flex:1;display:flex;align-items:center;gap:10px;padding:12px 14px;border-radius:10px;background:rgba(28,27,34,.05);color:var(--gris);font-size:13px;font-weight:800;transition:background .25s,color .25s}
.wizard-progress .wstep .dot{width:26px;height:26px;border-radius:50%;background:rgba(28,27,34,.12);color:var(--encre);display:flex;align-items:center;justify-content:center;font-size:12px;flex-shrink:0}
.wizard-progress .wstep.active{background:rgba(197,37,63,.1);color:var(--rouge)}
.wizard-progress .wstep.active .dot{background:var(--rouge);color:#fff}
.wizard-progress .wstep.done{background:rgba(6,88,58,.1);color:var(--vert)}
.wizard-progress .wstep.done .dot{background:var(--vert);color:#fff}
@media(max-width:640px){.wizard-progress{flex-direction:column}.wizard-progress .wstep{width:100%}}
.wizard-pane{display:none}
.wizard-pane.active{display:block}
.recap-box{background:var(--ivoire);border:1.5px solid rgba(185,138,47,.4);border-radius:14px;padding:26px;margin:22px 0}
.recap-box h3{font-size:16px;font-weight:800;margin-bottom:16px;color:var(--or)}
.recap-box dl{display:grid;grid-template-columns:1fr 1fr;gap:0 32px}
.recap-box dl div{padding:9px 0;border-bottom:1px solid rgba(28,27,34,.07);font-size:14px}
.recap-box dt{font-size:11.5px;font-weight:800;text-transform:uppercase;letter-spacing:.8px;color:var(--gris)}
.recap-box dd{font-weight:700;margin:2px 0 0}
@media(max-width:640px){.recap-box dl{grid-template-columns:1fr}}
.confirm-screen{text-align:center;max-width:640px;margin:0 auto}
.confirm-screen .big-icon{width:84px;height:84px;border-radius:50%;background:rgba(6,88,58,.1);display:flex;align-items:center;justify-content:center;margin:0 auto 24px}
.confirm-screen .big-icon svg{width:42px;height:42px;color:var(--vert-clair)}
.ref-number{display:inline-block;background:var(--encre);color:var(--or-clair);font-weight:800;font-size:20px;letter-spacing:1.5px;padding:12px 28px;border-radius:10px;margin:16px 0}

/* ---------- ÉCHÉANCIER SIMULÉ ---------- */
.schedule-card{background:var(--blanc);border-radius:18px;box-shadow:var(--ombre-forte);padding:34px;margin-top:-90px;position:relative;z-index:3}
.schedule-card h3{font-size:18px;font-weight:800;margin-bottom:6px}
.schedule-card .sub{font-size:13px;color:var(--gris);margin-bottom:22px}
.schedule-row{display:flex;align-items:center;gap:14px;padding:12px 0;border-bottom:1px solid rgba(28,27,34,.06)}
.schedule-row:last-child{border-bottom:none}
.schedule-row .yr{width:90px;font-weight:800;font-size:14px;flex-shrink:0}
.schedule-row .bar{flex:1;height:10px;border-radius:99px;background:rgba(28,27,34,.06);overflow:hidden}
.schedule-row .bar i{display:block;height:100%;border-radius:99px;background:linear-gradient(90deg,var(--vert-clair),var(--vert));width:0;transition:width 1.2s ease}
.schedule-row .pct{width:110px;text-align:right;font-size:13px;font-weight:800;color:var(--vert);flex-shrink:0}
.schedule-row .pct small{display:block;font-weight:600;color:var(--gris)}
@media(max-width:700px){.schedule-card{margin-top:-60px;padding:24px}}

/* ---------- VALEURS ---------- */
.values-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.value-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.14);border-radius:16px;padding:28px;transition:transform .25s,border-color .25s}
.value-card:hover{transform:translateY(-4px);border-color:var(--or-clair)}
.value-card .icon{width:46px;height:46px;border-radius:12px;background:rgba(185,138,47,.16);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.value-card .icon svg{width:22px;height:22px;color:var(--or-clair)}
.value-card h3{font-size:16.5px;font-weight:800;color:#fff;margin-bottom:8px}
.value-card p{font-size:13.5px;color:rgba(255,255,255,.75)}
@media(max-width:960px){.values-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.values-grid{grid-template-columns:1fr}}

/* ---------- GOUVERNANCE ---------- */
.gov-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.gov-card{background:var(--ivoire);border-radius:14px;padding:26px;box-shadow:var(--ombre);position:relative;overflow:hidden}
.gov-card::before{content:"";position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--vert)}
.gov-card h3{font-size:15.5px;font-weight:800;margin-bottom:8px}
.gov-card p{font-size:13.5px;color:var(--gris)}
.gov-facts{list-style:none}
.gov-facts li{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid rgba(28,27,34,.07);font-size:14px;flex-wrap:wrap}
.gov-facts li:last-child{border-bottom:none}
.gov-facts .k{font-weight:800;color:var(--gris);font-size:12.5px;text-transform:uppercase;letter-spacing:.6px}
.gov-facts .v{font-weight:800;text-align:right}
@media(max-width:820px){.gov-grid{grid-template-columns:1fr}}

/* ---------- COMITÉ DE DIRECTION ---------- */
.dir-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.dir-card{background:var(--ivoire);border-radius:14px;padding:26px;box-shadow:var(--ombre);display:flex;gap:16px;align-items:flex-start;transition:transform .25s,box-shadow .25s;position:relative;overflow:hidden}
.dir-card::before{content:"";position:absolute;left:0;top:0;bottom:0;width:0;background:linear-gradient(180deg,var(--rouge),var(--or));transition:width .3s ease}
.dir-card:hover{transform:translateY(-4px);box-shadow:var(--ombre-forte)}
.dir-card:hover::before{width:4px}
.dir-avatar{width:52px;height:52px;border-radius:14px;background:var(--rouge);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.dir-avatar svg{width:32px;height:32px}
.dir-card .who{font-size:14.5px;font-weight:800;line-height:1.3}
.dir-card .role{font-size:12.5px;color:var(--gris);font-weight:600;margin-top:4px}
@media(max-width:960px){.dir-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.dir-grid{grid-template-columns:1fr}}

/* ---------- AGENCES ---------- */
.agency-layout{display:grid;grid-template-columns:1fr 380px;gap:40px;align-items:start}
@media(max-width:960px){.agency-layout{grid-template-columns:1fr}}
.agency-card{background:var(--blanc);border-radius:16px;box-shadow:var(--ombre);padding:30px;margin-bottom:22px;position:relative;overflow:hidden;transition:transform .25s,box-shadow .25s}
.agency-card::before{content:"";position:absolute;left:0;top:0;height:100%;width:5px;width:0;transition:width .3s ease}
.agency-card:hover{transform:translateY(-4px);box-shadow:var(--ombre-forte)}
.agency-card:hover::before{width:5px}
.agency-card.buj{border-left:5px solid var(--rouge)}
.agency-card.gi{border-left:5px solid var(--or)}
.agency-card.ng{border-left:5px solid var(--vert)}
.agency-card .head{display:flex;align-items:flex-start;justify-content:space-between;gap:14px;margin-bottom:14px;flex-wrap:wrap}
.agency-card h3{font-size:19px;font-weight:800}
.agency-card .chip{display:inline-block;background:rgba(197,37,63,.08);color:var(--rouge);font-size:11.5px;font-weight:800;letter-spacing:.6px;text-transform:uppercase;padding:4px 12px;border-radius:99px}
.agency-card address{font-style:normal;font-size:14px;color:var(--gris);margin-bottom:12px}
.agency-meta{list-style:none;margin-bottom:16px}
.agency-meta li{display:flex;gap:10px;align-items:center;font-size:14px;padding:7px 0;border-bottom:1px solid rgba(28,27,34,.05)}
.agency-meta li:last-child{border-bottom:none}
.agency-meta svg{width:17px;height:17px;color:var(--rouge);flex-shrink:0}
.agency-meta a{color:var(--rouge);font-weight:700;text-decoration:none}
.map-panel{background:var(--blanc);border-radius:18px;box-shadow:var(--ombre);padding:24px;position:sticky;top:calc(var(--header-h) + 16px)}
.map-panel h3{font-size:15.5px;font-weight:800;margin-bottom:4px}
.map-panel .sub{font-size:12.5px;color:var(--gris);margin-bottom:14px}
.map-panel svg.burundi-map{width:100%;height:auto;display:block}
.map-legend{list-style:none;margin-top:14px}
.map-legend li{display:flex;align-items:center;gap:9px;font-size:13px;padding:6px 0;font-weight:700}
.map-legend .pt{width:12px;height:12px;border-radius:50%;flex-shrink:0;box-shadow:0 0 0 3px rgba(197,37,63,.2)}
@media(max-width:960px){.map-panel{position:static}}

/* ---------- TABLE WEB BANKING ---------- */
.features-table-wrap{overflow-x:auto;background:var(--blanc);border-radius:16px;box-shadow:var(--ombre)}
table.features{width:100%;border-collapse:collapse;font-size:14px;min-width:560px}
table.features th{padding:14px 20px;background:var(--encre);color:#fff;text-align:left;font-size:11.5px;font-weight:800;text-transform:uppercase;letter-spacing:.8px}
table.features td{padding:13px 20px;border-top:1px solid rgba(28,27,34,.06)}
table.features td:first-child{font-weight:800}
table.features .yes{color:var(--vert-clair);font-weight:800}
table.features .no{color:#B0ADB6;font-weight:700}

/* ---------- FOOTER ---------- */
footer.site{background:var(--encre);color:rgba(255,255,255,.72);padding:64px 0 30px;font-size:14px}
footer.site .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1.4fr;gap:44px;margin-bottom:42px}
footer.site .f-brand{display:flex;align-items:center;gap:10px;margin-bottom:16px}
footer.site .f-brand svg{width:34px;height:34px}
footer.site .f-brand span{font-weight:800;color:#fff;font-size:15px}
footer.site h4{color:#fff;font-size:13px;font-weight:800;margin-bottom:15px;text-transform:uppercase;letter-spacing:1.2px}
footer.site ul{list-style:none}
footer.site li{margin-bottom:10px}
footer.site a{color:rgba(255,255,255,.72);text-decoration:none;transition:color .2s;font-weight:600}
footer.site a:hover{color:var(--or-clair)}
footer.site .f-desc{color:rgba(255,255,255,.6);font-size:13px;max-width:300px}
.socials{display:flex;gap:10px;margin-top:18px}
.socials a{width:44px;height:44px;border-radius:12px;background:rgba(255,255,255,.08);display:flex;align-items:center;justify-content:center;transition:background .2s,transform .15s}
.socials a:hover{background:var(--rouge);transform:translateY(-3px)}
.socials svg{width:20px;height:20px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:24px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:12.5px;color:rgba(255,255,255,.5)}
.footer-bottom .disclaimer{display:flex;align-items:center;gap:8px;font-weight:700;color:rgba(232,201,122,.85)}
.footer-bottom .disclaimer svg{width:15px;height:15px;flex-shrink:0}
@media(max-width:820px){footer.site .cols{grid-template-columns:1fr 1fr}}
@media(max-width:560px){footer.site .cols{grid-template-columns:1fr}}

/* ---------- SCROLL TOP ---------- */
.scroll-top{position:fixed;bottom:26px;right:26px;width:48px;height:48px;border-radius:14px;background:var(--rouge);color:#fff;border:none;cursor:pointer;display:flex;align-items:center;justify-content:center;box-shadow:0 6px 20px rgba(197,37,63,.4);opacity:0;visibility:hidden;transform:translateY(14px);transition:opacity .3s,visibility .3s,transform .3s,background .2s;z-index:150}
.scroll-top.show{opacity:1;visibility:visible;transform:translateY(0)}
.scroll-top:hover{background:var(--rouge-fonce)}
.scroll-top svg{width:20px;height:20px}

/* ---------- IMPRESSION ---------- */
@media print{
  header.site,footer.site,.scroll-top,.cta-final,.diaspora-band,.hero,.wizard-progress,.form-actions,.no-print{display:none!important}
  body{background:#fff;color:#000;font-size:12px}
  .form-panel,.recap-box{box-shadow:none;border:1px solid #999;max-width:100%}
  .confirm-screen{max-width:100%}
  .section{padding:10px 0}
  main{padding:10px}
}

/* ---------- ACCESSIBILITÉ ---------- */
:focus-visible{outline:3px solid var(--or);outline-offset:2px}

/* ---------- ANIMATIONS & POLISH PREMIUM ---------- */
@keyframes fadeUp{from{opacity:0;transform:translateY(26px)}to{opacity:1;transform:translateY(0)}}
@keyframes fadeIn{from{opacity:0}to{opacity:1}}
@keyframes floatY{0%,100%{transform:translateY(0)}50%{transform:translateY(-9px)}}
@keyframes pulseDot{0%,100%{box-shadow:0 0 0 0 rgba(11,152,101,.5)}70%{box-shadow:0 0 0 9px rgba(11,152,101,0)}}
@keyframes shimmer{0%{background-position:-400px 0}100%{background-position:400px 0}}

/* Reveal au scroll */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .65s cubic-bezier(.22,.61,.36,1),transform .65s cubic-bezier(.22,.61,.36,1)}
.reveal.is-visible{opacity:1;transform:translateY(0)}
.reveal-delay-1{transition-delay:.12s}
.reveal-delay-2{transition-delay:.24s}
.reveal-delay-3{transition-delay:.36s}

/* Hero : entrée en scène */
.hero .badge-secure{animation:fadeUp .7s cubic-bezier(.22,.61,.36,1) both}
.hero h1{animation:fadeUp .7s .12s cubic-bezier(.22,.61,.36,1) both}
.hero .lead{animation:fadeUp .7s .24s cubic-bezier(.22,.61,.36,1) both}
.hero .cta-row{animation:fadeUp .7s .36s cubic-bezier(.22,.61,.36,1) both}
.hero .hero-card{animation:fadeUp .85s .3s cubic-bezier(.22,.61,.36,1) both}
@media(min-width:901px){.hero .hero-card{animation-name:floatY;animation-duration:6s;animation-iteration-count:infinite;animation-delay:.9s;opacity:1;transform:none}}

/* Lignes du hero : parallaxe douce */
.hero-bg svg.grid-lines{animation:fadeIn 1.6s both}

/* Compteurs */
.stat-item strong{display:inline-block}
.stat-item strong.counting{opacity:.95}

/* Points d'agences sur la carte : pulsation */
.map-pin{animation:pulseDot 2.4s infinite}
.map-pin:nth-of-type(2){animation-delay:.5s}
.map-pin:nth-of-type(3){animation-delay:1s}

/* Cartes : tilt subtil */
.card-product,.feature,.agency-card,.news-card{transition:transform .35s cubic-bezier(.22,.61,.36,1),box-shadow .35s cubic-bezier(.22,.61,.36,1)}
.card-product:hover,.feature:hover,.news-card:hover{transform:translateY(-7px)}

/* Barre d'échéancier déjà animée (data-w) : ajout d'un easing */
.schedule-row .bar i{transition:width 1s cubic-bezier(.22,.61,.36,1)}

/* Squelette shimmer pour images/sections en attente */
.skeleton{background:linear-gradient(90deg,rgba(28,27,34,.06) 25%,rgba(28,27,34,.11) 37%,rgba(28,27,34,.06) 63%);background-size:400px 100%;animation:shimmer 1.4s infinite linear}

/* Badge live (actualités) */
.live-dot{display:inline-block;width:9px;height:9px;border-radius:50%;background:var(--vert-clair);margin-right:8px;animation:pulseDot 2s infinite;vertical-align:1px}

@media(prefers-reduced-motion:reduce){
  *{transition:none!important;animation:none!important;scroll-behavior:auto!important}
  .btn:hover,.card-product:hover{transform:none}
  .reveal{opacity:1;transform:none}
  .hero .badge-secure,.hero h1,.hero .lead,.hero .cta-row,.hero .hero-card{animation:none;opacity:1;transform:none}
}