/* ════════════════════════════════════════════════════════════
   montis-credit-scoped.css
   CSS du formulaire de demande de prêt — isolé à .pret-page
   Aucune règle ne peut affecter quoi que ce soit hors de
   .pret-page (header, footer, nav du site restent intacts).
   ════════════════════════════════════════════════════════════ */


/* ════════════════════════════════════════════════════════════
   VARIABLES (CSS custom properties — inoffensives globalement)
   ════════════════════════════════════════════════════════════ */
:root {
    --primary:   #19201f;
    --primary-2: #2a3635;
    --accent:    #ec773c;
    --accent-dk: #d4652b;
    --white:     #ffffff;

    --green:  #2eca8b;
    --green2: rgba(46,202,139,.12);
    --amber:  #f59e0b;
    --amber2: rgba(245,158,11,.12);
    --red:    #ef4444;
    --red2:   rgba(239,68,68,.12);
    --blue:   #58a6ff;

    --glass-bg:  rgba(255,255,255,.06);
    --glass-brd: rgba(255,255,255,.14);

    --font-head: 'Onest', sans-serif;
    --font-body: 'Inter', sans-serif;
    --mono:      'JetBrains Mono', monospace;

    --radius: 10px;
    --shadow: 0 8px 32px rgba(0,0,0,.4);
}


/* ════════════════════════════════════════════════════════════
   RESET — confiné à .pret-page, ne touche rien en dehors
   ════════════════════════════════════════════════════════════ */
.pret-page *, .pret-page *::before, .pret-page *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}


/* ════════════════════════════════════════════════════════════
   FOND DE PAGE (propriétés de body fusionnées ici)
   ════════════════════════════════════════════════════════════ */
.pret-page, .val-page {
    min-height: 100vh;
    padding: 80px 0 60px;
    background:
        radial-gradient(ellipse at center, rgba(0,0,0,0) 0%, rgba(0,0,0,.62) 60%, rgba(0,0,0,.92) 100%),
        url('/images/section-bg.svg') center/cover no-repeat;
    background-color: var(--primary);
    font-family: var(--font-body);
    color: var(--white);
    font-size: 14px;
    line-height: 1.6;
}


/* ════════════════════════════════════════════════════════════
   HEADER / LOGO
   ════════════════════════════════════════════════════════════ */
.pret-header, .val-header { text-align: center; margin-bottom: 48px; }

.pret-header .logo img,
.val-header  .logo img {
    height: 48px; margin-bottom: 36px;
    filter: brightness(0) invert(1); opacity: .92; transition: opacity .3s;
}
.pret-header .logo img:hover,
.val-header  .logo img:hover { opacity: 1; }

.pret-header h1, .val-header h1 {
    font-family: var(--font-head);
    font-size: clamp(1.8rem, 4vw, 2.6rem);
    font-weight: 800; letter-spacing: -.5px; color: var(--white); margin-bottom: 10px;
}
.pret-header p, .val-header p {
    color: rgba(255,255,255,.55); font-size: 15px;
    max-width: 520px; margin: 0 auto; line-height: 1.7;
}


/* ════════════════════════════════════════════════════════════
   BARRE DE PROGRESSION
   ════════════════════════════════════════════════════════════ */
.steps-bar {
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 48px; max-width: 580px; padding: 0 20px;
}
.steps-bar.steps-2 { max-width: 380px; }

.step-item {
    display: flex; flex-direction: column; align-items: center;
    flex: 1; position: relative; cursor: default;
}
.step-item:not(:last-child)::after {
    content: ''; position: absolute; top: 20px;
    left: calc(50% + 20px); right: calc(-50% + 20px);
    height: 2px; background: rgba(255,255,255,.15);
    transition: background .4s; z-index: 0;
}
.step-item.done:not(:last-child)::after   { background: var(--green); }
.step-item.active:not(:last-child)::after { background: linear-gradient(90deg, var(--accent), rgba(255,255,255,.15)); }

.step-circle {
    width: 40px; height: 40px; border-radius: 50%;
    border: 2px solid rgba(255,255,255,.2);
    display: flex; align-items: center; justify-content: center;
    font-family: var(--font-head); font-size: 14px; font-weight: 700;
    color: rgba(255,255,255,.4); background: rgba(255,255,255,.04);
    transition: all .4s cubic-bezier(.22,1,.36,1); position: relative; z-index: 1;
}
.step-item.active .step-circle {
    border-color: var(--accent); background: var(--accent); color: var(--white);
    box-shadow: 0 0 20px rgba(236,119,60,.5); transform: scale(1.1);
}
.step-item.done .step-circle { border-color: var(--green); background: var(--green); color: var(--white); }

.step-label {
    margin-top: 8px; font-size: 11px; font-weight: 600;
    text-transform: uppercase; letter-spacing: .6px;
    color: rgba(255,255,255,.3); transition: color .4s; white-space: nowrap;
}
.step-item.active .step-label { color: var(--accent); }
.step-item.done   .step-label { color: var(--green); }


/* ════════════════════════════════════════════════════════════
   CARTE PRINCIPALE (glass)
   ════════════════════════════════════════════════════════════ */
.pret-card, .val-card {
    max-width: 880px; margin: 0 auto; padding: 0 20px;
    animation: fadeUp .6s cubic-bezier(.22,1,.36,1) both;
}
.pret-card-inner, .val-card-inner {
    background: var(--glass-bg); border: 1px solid var(--glass-brd);
    backdrop-filter: blur(20px); -webkit-backdrop-filter: blur(20px);
    border-radius: 22px; overflow: hidden;
    box-shadow: 0 32px 80px rgba(0,0,0,.5), 0 1px 0 rgba(255,255,255,.08) inset;
}
.pret-card-inner::before, .val-card-inner::before {
    content: ''; display: block; height: 3px;
    background: linear-gradient(90deg, transparent, var(--accent), transparent);
}
.pret-card-body, .val-card-body { padding: 40px 48px 48px; }

.security-badge {
    display: flex; align-items: center; justify-content: center;
    gap: 8px; margin-top: 24px;
    color: rgba(255,255,255,.3); font-size: 12px;
}
.security-badge i { color: var(--green); font-size: 13px; }


/* ════════════════════════════════════════════════════════════
   EN-TÊTE D'ÉTAPE
   ════════════════════════════════════════════════════════════ */
.etape-header { margin-bottom: 32px; }
.etape-badge {
    display: inline-flex; align-items: center; gap: 6px;
    background: rgba(236,119,60,.12); border: 1px solid rgba(236,119,60,.3);
    border-radius: 50px; padding: 5px 14px;
    font-size: 11.5px; font-weight: 600; color: var(--accent);
    text-transform: uppercase; letter-spacing: .6px; margin-bottom: 16px;
}
.etape-header h2 {
    font-family: var(--font-head); font-size: 1.65rem; font-weight: 700;
    color: var(--white); letter-spacing: -.3px; margin-bottom: 6px;
}
.etape-header p { color: rgba(255,255,255,.45); font-size: 14px; line-height: 1.6; }

.etape-divider {
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,.12), transparent);
    margin-bottom: 32px;
}
.section-divider {
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,.10), transparent);
    margin: 32px 0 28px;
}
.section-sub-title {
    font-family: var(--font-head); font-size: 1rem; font-weight: 700;
    color: rgba(255,255,255,.7); margin-bottom: 20px;
    display: flex; align-items: center; gap: 8px;
}
.section-sub-title i { color: var(--accent); font-size: 14px; }

.etape, .etape-val { display: none; }
.etape.active, .etape-val.active { display: block; animation: fadeUp .4s cubic-bezier(.22,1,.36,1) both; }


/* ════════════════════════════════════════════════════════════
   FORMULAIRE — INPUTS
   ════════════════════════════════════════════════════════════ */
.form-row-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-row-grid.cols-3 { grid-template-columns: 1fr 1fr 1fr; }
.form-row-grid.cols-1 { grid-template-columns: 1fr; }

.form-group-pret { display: flex; flex-direction: column; gap: 8px; }
.form-group-pret.full { grid-column: 1 / -1; }

.form-label-pret {
    font-size: 11.5px; font-weight: 700; text-transform: uppercase;
    letter-spacing: .6px; color: rgba(255,255,255,.55);
}
.form-control-pret {
    width: 100%; background: rgba(255,255,255,.07);
    border: 1px solid rgba(255,255,255,.12); border-radius: 12px;
    color: var(--white); font-family: var(--font-body);
    font-size: 14.5px; padding: 13px 16px; outline: none;
    transition: border-color .25s, background .25s, box-shadow .25s;
    -webkit-appearance: none; appearance: none;
}
.form-control-pret::placeholder { color: rgba(255,255,255,.22); }
.form-control-pret:focus {
    border-color: var(--accent);
    background: rgba(236,119,60,.07);
    box-shadow: 0 0 0 3px rgba(236,119,60,.15);
}
.form-control-pret:valid:not(:placeholder-shown) { border-color: rgba(46,202,139,.5); }

select.form-control-pret {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='rgba(255,255,255,0.4)' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat; background-position: right 14px center;
    padding-right: 40px; cursor: pointer;
}
select.form-control-pret option { background: #19201f; color: #fff; }
textarea.form-control-pret { resize: vertical; min-height: 100px; line-height: 1.6; }

.input-icon-wrap { position: relative; }
.input-icon-wrap .form-control-pret { padding-left: 42px; }
.input-icon-wrap .input-icon {
    position: absolute; left: 14px; top: 50%; transform: translateY(-50%);
    color: rgba(255,255,255,.3); font-size: 14px; pointer-events: none;
}
.field-hint  { font-size: 11.5px; color: rgba(255,255,255,.3); margin-top: 4px; }
.field-error { font-size: 11.5px; color: #ff6b6b; margin-top: 4px; display: none; }
.form-group-pret.has-error .form-control-pret { border-color: #ff6b6b; background: rgba(255,107,107,.07); }
.form-group-pret.has-error .field-error { display: block; }


/* ════════════════════════════════════════════════════════════
   MONTANT / DURÉE / SIMULATEUR
   ════════════════════════════════════════════════════════════ */
.amount-duration-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 28px; }

.big-number-wrap { position: relative; }
.big-number-wrap .currency-symbol,
.big-number-wrap .unit-symbol {
    position: absolute; right: 16px; top: 50%; transform: translateY(-50%);
    color: var(--accent); font-family: var(--font-head); font-size: 16px;
    font-weight: 700; pointer-events: none;
}
.big-number-wrap .form-control-pret {
    font-size: 20px; font-family: var(--font-head); font-weight: 700;
    padding: 14px 50px 14px 16px; letter-spacing: -.3px;
}
.amount-hint { font-size: 11px; color: rgba(255,255,255,.3); margin-top: 4px; }

.simul-box {
    background: rgba(236,119,60,.08); border: 1px solid rgba(236,119,60,.2);
    border-radius: 14px; padding: 20px 24px; margin: 8px 0 28px;
    display: grid; grid-template-columns: repeat(3,1fr); gap: 16px;
}
.simul-item { text-align: center; }
.simul-item .simul-label {
    font-size: 11px; text-transform: uppercase; letter-spacing: .5px;
    color: rgba(255,255,255,.35); font-weight: 600; margin-bottom: 4px;
}
.simul-item .simul-value { font-family: var(--font-head); font-size: 1.2rem; font-weight: 700; color: var(--white); }
.simul-item .simul-value.accent { color: var(--accent); }


/* ════════════════════════════════════════════════════════════
   CHIPS
   ════════════════════════════════════════════════════════════ */
.chips-group { display: flex; flex-wrap: wrap; gap: 10px; }
.chip-item { display: none; }
.chip-label {
    display: inline-flex; align-items: center; gap: 8px; padding: 9px 18px;
    border-radius: 50px; border: 1.5px solid rgba(255,255,255,.15);
    background: rgba(255,255,255,.04); color: rgba(255,255,255,.5);
    font-size: 13px; font-weight: 600; cursor: pointer; transition: all .25s;
}
.chip-label:hover { border-color: var(--accent); color: var(--white); }
.chip-item:checked + .chip-label {
    background: rgba(236,119,60,.15); border-color: var(--accent);
    color: var(--white); box-shadow: 0 0 12px rgba(236,119,60,.25);
}


/* ════════════════════════════════════════════════════════════
   DIAL PICKER (indicatif téléphonique)
   ════════════════════════════════════════════════════════════ */
.telefon-wrap { display: flex; gap: 10px; align-items: stretch; }
.dial-picker { position: relative; width: 150px; min-width: 140px; flex-shrink: 0; user-select: none; }
.dial-btn {
    width: 100%; height: 100%; min-height: 50px;
    display: flex; align-items: center; gap: 8px;
    padding: 13px 36px 13px 12px;
    background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12);
    border-radius: 12px; color: var(--white); font-family: var(--font-body);
    font-size: 13.5px; font-weight: 600; cursor: pointer; position: relative;
    white-space: nowrap; overflow: hidden;
    transition: border-color .25s, background .25s, box-shadow .25s;
}
.dial-btn::after {
    content: ''; position: absolute; right: 11px; top: 50%; transform: translateY(-50%);
    width: 12px; height: 8px;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='rgba(255,255,255,0.4)' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat; background-position: center;
    transition: transform .25s; pointer-events: none;
}
.dial-picker.open .dial-btn::after { transform: translateY(-50%) rotate(180deg); }
.dial-btn:hover, .dial-picker.open .dial-btn {
    border-color: var(--accent); background: rgba(236,119,60,.07);
    box-shadow: 0 0 0 3px rgba(236,119,60,.15);
}
.dial-btn img { width: 22px; height: 15px; border-radius: 3px; object-fit: cover; flex-shrink: 0; }
.dial-dropdown {
    position: absolute; top: calc(100% + 6px); left: 0; width: 270px;
    background: #1a2826; border: 1px solid rgba(255,255,255,.12); border-radius: 14px;
    box-shadow: 0 20px 60px rgba(0,0,0,.65); z-index: 9999;
    overflow: hidden; opacity: 0; transform: translateY(-8px); pointer-events: none;
    transition: opacity .2s, transform .2s cubic-bezier(.22,1,.36,1);
    backdrop-filter: blur(20px); -webkit-backdrop-filter: blur(20px);
}
.dial-picker.open .dial-dropdown { opacity: 1; transform: translateY(0); pointer-events: all; }
.dial-search-wrap { padding: 10px 12px; border-bottom: 1px solid rgba(255,255,255,.08); position: relative; }
.dial-search {
    width: 100%; background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.1);
    border-radius: 8px; color: var(--white); font-family: var(--font-body);
    font-size: 13px; padding: 8px 12px 8px 32px; outline: none; transition: border-color .2s;
}
.dial-search::placeholder { color: rgba(255,255,255,.25); }
.dial-search:focus { border-color: var(--accent); }
.dial-search-icon { position: absolute; left: 22px; top: 50%; transform: translateY(-50%); color: rgba(255,255,255,.3); font-size: 12px; pointer-events: none; }
.dial-list { max-height: 230px; overflow-y: auto; padding: 6px; scrollbar-width: thin; scrollbar-color: rgba(236,119,60,.3) transparent; }
.dial-list::-webkit-scrollbar { width: 4px; }
.dial-list::-webkit-scrollbar-thumb { background: rgba(236,119,60,.3); border-radius: 4px; }
.dial-option {
    display: flex; align-items: center; gap: 10px; padding: 8px 12px;
    border-radius: 8px; cursor: pointer; transition: background .15s; border: 1px solid transparent;
}
.dial-option:hover { background: rgba(236,119,60,.12); }
.dial-option.selected { background: rgba(236,119,60,.18); border-color: rgba(236,119,60,.25); }
.dial-option img { width: 24px; height: 16px; border-radius: 3px; object-fit: cover; flex-shrink: 0; box-shadow: 0 1px 3px rgba(0,0,0,.3); }
.dial-option .opt-name { font-size: 13px; color: rgba(255,255,255,.8); flex: 1; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.dial-option .opt-code { font-size: 12px; font-weight: 700; color: var(--accent); font-family: var(--font-head); flex-shrink: 0; }
.dial-no-result { text-align: center; padding: 18px; color: rgba(255,255,255,.3); font-size: 13px; }


/* ════════════════════════════════════════════════════════════
   CHECKBOXES CUSTOM
   ════════════════════════════════════════════════════════════ */
.checkbox-pret { display: flex; align-items: flex-start; gap: 12px; cursor: pointer; }
.checkbox-pret input[type="checkbox"] { display: none; }
.checkbox-pret .checkbox-box {
    width: 20px; height: 20px; min-width: 20px; border: 2px solid rgba(255,255,255,.2);
    border-radius: 6px; background: rgba(255,255,255,.05);
    display: flex; align-items: center; justify-content: center;
    transition: all .25s; margin-top: 1px;
}
.checkbox-pret input:checked + .checkbox-box {
    background: var(--accent); border-color: var(--accent); box-shadow: 0 0 10px rgba(236,119,60,.4);
}
.checkbox-pret input:checked + .checkbox-box::after {
    content: '\f00c'; font-family: 'Font Awesome 6 Free'; font-weight: 900; font-size: 10px; color: var(--white);
}
.checkbox-pret .checkbox-text { font-size: 13px; color: rgba(255,255,255,.5); line-height: 1.6; }
.checkbox-pret .checkbox-text a { color: var(--accent); text-decoration: none; font-weight: 600; }


/* ════════════════════════════════════════════════════════════
   BOUTONS
   ════════════════════════════════════════════════════════════ */
.btn-pret-prev, .btn-pret-next, .btn-pret-submit,
.btn-val-prev,  .btn-val-next,  .btn-val-submit {
    font-family: var(--font-head); font-weight: 700; font-size: 15px;
    border-radius: 50px; padding: 13px 32px; cursor: pointer; border: 2px solid;
    display: inline-flex; align-items: center; gap: 8px;
    position: relative; overflow: hidden; z-index: 0;
    transition: color .35s, border-color .35s, box-shadow .35s; text-decoration: none;
}
.btn-pret-prev, .btn-val-prev {
    background: transparent; color: rgba(255,255,255,.5); border-color: rgba(255,255,255,.15);
}
.btn-pret-prev:hover, .btn-val-prev:hover { border-color: rgba(255,255,255,.4); color: var(--white); }

.btn-pret-next, .btn-val-next {
    background: var(--accent); color: var(--white); border-color: var(--accent);
    box-shadow: 0 8px 24px rgba(236,119,60,.35); min-width: 180px; justify-content: center;
}
.btn-pret-next::before, .btn-val-next::before {
    content: ''; position: absolute; inset: 0; background: #000;
    transform: translateX(-100%); transition: transform .35s; z-index: -1; border-radius: inherit;
}
.btn-pret-next:hover, .btn-val-next:hover { border-color: #000; box-shadow: 0 8px 24px rgba(0,0,0,.4); }
.btn-pret-next:hover::before, .btn-val-next:hover::before { transform: translateX(0); }

.btn-pret-submit, .btn-val-submit {
    background: var(--green); color: var(--white); border-color: var(--green);
    box-shadow: 0 8px 24px rgba(46,202,139,.35); min-width: 220px; justify-content: center;
}
.btn-pret-submit::before, .btn-val-submit::before {
    content: ''; position: absolute; inset: 0; background: #1a6e4d;
    transform: translateX(-100%); transition: transform .35s; z-index: -1; border-radius: inherit;
}
.btn-pret-submit:hover, .btn-val-submit:hover { border-color: #1a6e4d; box-shadow: 0 8px 24px rgba(0,0,0,.4); }
.btn-pret-submit:hover::before, .btn-val-submit:hover::before { transform: translateX(0); }

.form-nav { display: flex; align-items: center; justify-content: space-between; margin-top: 36px; gap: 16px; }


/* ════════════════════════════════════════════════════════════
   ÉCRANS ÉTAT (succès, chargement, REF entry)
   ════════════════════════════════════════════════════════════ */
#confirmScreen { text-align: center; padding: 40px 20px; animation: fadeUp .5s cubic-bezier(.22,1,.36,1) both; }

.success-screen { display: none; text-align: center; padding: 40px 20px; }
.success-icon {
    width: 80px; height: 80px; background: rgba(46,202,139,.12); border: 2px solid var(--green);
    border-radius: 50%; display: flex; align-items: center; justify-content: center;
    margin: 0 auto 28px; font-size: 32px; color: var(--green);
    animation: popIn .5s cubic-bezier(.22,1,.36,1) both;
}
.success-ref {
    display: inline-block; background: rgba(46,202,139,.1); border: 1px solid rgba(46,202,139,.3);
    border-radius: 50px; padding: 6px 18px; font-family: var(--font-head); font-weight: 700;
    color: var(--green); font-size: 13.5px; margin: 16px 0 28px; letter-spacing: 1px;
}
.success-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

.success-final { display: none; text-align: center; padding: 40px 20px; animation: fadeUp .5s cubic-bezier(.22,1,.36,1) both; }
.success-check {
    width: 90px; height: 90px; background: rgba(46,202,139,.12); border: 2px solid var(--green);
    border-radius: 50%; display: flex; align-items: center; justify-content: center;
    margin: 0 auto 28px; font-size: 36px; color: var(--green);
    animation: popIn .5s cubic-bezier(.22,1,.36,1) both;
}
.success-final h2 { font-family: var(--font-head); font-size: 1.9rem; font-weight: 800; margin-bottom: 12px; }
.ref-pill {
    display: inline-block; background: rgba(46,202,139,.1); border: 1px solid rgba(46,202,139,.3);
    border-radius: 50px; padding: 7px 22px; font-family: var(--font-head); font-weight: 700;
    color: var(--green); font-size: 14px; margin: 16px 0 24px; letter-spacing: 1.5px;
}
.success-msg {
    background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.08);
    border-radius: 16px; padding: 28px 32px; max-width: 520px; margin: 0 auto 28px; text-align: left;
}
.success-msg p { font-size: 14.5px; color: rgba(255,255,255,.7); line-height: 1.8; margin-bottom: 14px; }
.success-msg p:last-child { margin-bottom: 0; }
.success-msg strong { color: var(--white); }
.proba-badge {
    display: inline-flex; align-items: center; gap: 8px;
    background: rgba(46,202,139,.1); border: 1px solid rgba(46,202,139,.25);
    border-radius: 50px; padding: 8px 18px; font-size: 13px; font-weight: 600; color: var(--green); margin: 10px 0;
}

.loading-screen { display: none; text-align: center; padding: 60px 20px; }
.loading-spinner {
    width: 60px; height: 60px; border: 4px solid rgba(255,255,255,.1);
    border-top-color: var(--accent); border-radius: 50%;
    animation: spin .8s linear infinite; margin: 0 auto 28px;
}
.loading-screen h3 { font-family: var(--font-head); font-size: 1.4rem; font-weight: 700; margin-bottom: 8px; }
.loading-screen p  { color: rgba(255,255,255,.45); font-size: 14px; }

.ref-entry { text-align: center; padding: 20px 0 10px; }
.ref-entry .ref-icon {
    width: 72px; height: 72px; background: rgba(236,119,60,.1); border: 2px solid rgba(236,119,60,.3);
    border-radius: 50%; display: flex; align-items: center; justify-content: center;
    margin: 0 auto 24px; font-size: 28px; color: var(--accent);
}
.ref-entry h2 { font-family: var(--font-head); font-size: 1.6rem; font-weight: 700; margin-bottom: 8px; }
.ref-entry p  { color: rgba(255,255,255,.45); font-size: 14px; line-height: 1.6; max-width: 400px; margin: 0 auto 32px; }
.ref-input-wrap { display: flex; gap: 12px; max-width: 420px; margin: 0 auto; }
.ref-input {
    flex: 1; background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12);
    border-radius: 12px; color: var(--white); font-family: var(--font-head);
    font-size: 16px; font-weight: 700; padding: 15px 18px; outline: none;
    letter-spacing: 1px; text-transform: uppercase; transition: border-color .25s, box-shadow .25s;
}
.ref-input::placeholder { color: rgba(255,255,255,.25); font-weight: 400; letter-spacing: 0; font-size: 14px; text-transform: none; }
.ref-input:focus { border-color: var(--accent); box-shadow: 0 0 0 3px rgba(236,119,60,.15); }
.ref-error { color: #ff6b6b; font-size: 13px; margin-top: 10px; display: none; }


/* ════════════════════════════════════════════════════════════
   ANIMATIONS
   ════════════════════════════════════════════════════════════ */
@keyframes fadeUp { from { opacity:0; transform:translateY(30px); } to { opacity:1; transform:translateY(0); } }
@keyframes popIn  { from { transform:scale(.5); opacity:0; } to { transform:scale(1); opacity:1; } }
@keyframes shake  { 0%,100%{transform:translateX(0)} 20%{transform:translateX(-6px)} 40%{transform:translateX(6px)} 60%{transform:translateX(-4px)} 80%{transform:translateX(4px)} }
@keyframes spin   { to { transform:rotate(360deg); } }
@keyframes pulse  { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:.5;transform:scale(1.3)} }


/* ════════════════════════════════════════════════════════════
   RESPONSIVE — règles formulaire uniquement
   (les règles admin/suivi/topbar sont exclues)
   ════════════════════════════════════════════════════════════ */
@media (max-width: 767px) {
    .pret-page, .val-page { padding: 60px 0 40px; }
    .pret-card-body, .val-card-body { padding: 28px 22px 36px; }
    .form-row-grid { grid-template-columns: 1fr; }
    .form-row-grid.cols-3 { grid-template-columns: 1fr 1fr; }
    .amount-duration-grid { grid-template-columns: 1fr; }
    .simul-box { grid-template-columns: 1fr 1fr; }
    .etape-header h2 { font-size: 1.35rem; }
    .steps-bar { padding: 0 10px; }
    .step-label { font-size: 9px; }
    .step-circle { width: 34px; height: 34px; font-size: 12px; }
    .form-nav { flex-direction: column-reverse; }
    .btn-pret-next, .btn-pret-submit,
    .btn-val-next,  .btn-val-submit  { width: 100%; }
    .btn-pret-prev, .btn-val-prev    { width: 100%; justify-content: center; }
    .ref-input-wrap { flex-direction: column; }
}
@media (max-width: 480px) {
    .form-row-grid.cols-3 { grid-template-columns: 1fr; }
    .simul-box { grid-template-columns: 1fr; }
    .chips-group { gap: 8px; }
    .chip-label { padding: 8px 14px; font-size: 12px; }
    .telefon-wrap { flex-direction: column; }
    .dial-picker { width: 100%; }
    .dial-dropdown { width: 100%; }
}
@supports (-webkit-touch-callout: none) {
    .form-control-pret, .ref-input { font-size: 16px !important; }
}