.pba-financement-academy,
.pba-financement-academy * {
    box-sizing: border-box;
}

.pba-financement-academy {
    --pba-navy: #071a3d;
    --pba-blue: #0f3670;
    --pba-gold: #d4b86f;
    --pba-gold-dark: #ad8b37;
    --pba-ink: #12203a;
    --pba-muted: #647089;
    --pba-soft: #f7f4ee;
    --pba-card: #ffffff;
    --pba-border: rgba(15, 54, 112, .13);
    width: 100%;
    max-width: 1220px;
    margin: 0 auto;
    padding: 32px 18px 78px;
    color: var(--pba-ink);
    font-family: Inter, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    overflow: hidden;
}

.pba-fin-hero {
    position: relative;
    min-height: 470px;
    border-radius: 34px;
    padding: clamp(28px, 5vw, 72px);
    overflow: hidden;
    background-image: var(--pba-fin-hero);
    background-size: cover;
    background-position: center;
    box-shadow: 0 28px 80px rgba(7, 26, 61, .18);
    isolation: isolate;
}

.pba-fin-hero:before {
    content: "";
    position: absolute;
    inset: -2px;
    background: linear-gradient(105deg, rgba(7, 26, 61, .94) 0%, rgba(7, 26, 61, .86) 38%, rgba(7, 26, 61, .35) 68%, rgba(212, 184, 111, .16) 100%);
    z-index: -1;
}

.pba-fin-hero:after {
    content: "";
    position: absolute;
    width: 420px;
    height: 420px;
    right: -120px;
    top: -160px;
    border-radius: 999px;
    background: radial-gradient(circle, rgba(212,184,111,.45), rgba(212,184,111,0) 66%);
    animation: pbaFinFloat 9s ease-in-out infinite alternate;
}

.pba-fin-hero__content {
    position: relative;
    z-index: 2;
    max-width: 670px;
}

.pba-fin-eyebrow,
.pba-fin-kicker {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    color: var(--pba-gold);
    font-size: 13px;
    font-weight: 900;
    letter-spacing: .14em;
    text-transform: uppercase;
}

.pba-fin-eyebrow:before,
.pba-fin-kicker:before {
    content: "";
    width: 38px;
    height: 2px;
    background: currentColor;
    border-radius: 2px;
}

.pba-fin-hero h1,
.pba-fin-intro h2,
.pba-fin-section-head h2,
.pba-fin-focus h2,
.pba-fin-profile h2,
.pba-fin-cta h2 {
    margin: 14px 0 0;
    font-family: Georgia, "Times New Roman", serif;
    color: var(--pba-navy);
    letter-spacing: -.035em;
    line-height: .98;
}

.pba-fin-hero h1 {
    color: #fff;
    font-size: clamp(46px, 7vw, 86px);
    max-width: 720px;
}

.pba-fin-hero p {
    max-width: 660px;
    margin: 22px 0 0;
    color: rgba(255,255,255,.88);
    font-size: clamp(17px, 2vw, 22px);
    line-height: 1.55;
}

.pba-fin-hero__actions,
.pba-fin-cta__actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-top: 30px;
}

.pba-fin-btn {
    position: relative;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 52px;
    padding: 14px 22px;
    border-radius: 999px;
    text-decoration: none !important;
    font-weight: 900;
    line-height: 1;
    overflow: hidden;
    transition: transform .25s ease, box-shadow .25s ease, background .25s ease, color .25s ease;
    border: 1px solid transparent;
}

.pba-fin-btn:after {
    content: "";
    position: absolute;
    inset: 0;
    transform: translateX(-110%) skewX(-18deg);
    background: linear-gradient(90deg, transparent, rgba(255,255,255,.35), transparent);
    transition: transform .6s ease;
}

.pba-fin-btn:hover:after {
    transform: translateX(110%) skewX(-18deg);
}

.pba-fin-btn:hover {
    transform: translateY(-3px);
}

.pba-fin-btn--gold {
    background: linear-gradient(135deg, #f2d98c, #c9a64e);
    color: #071a3d !important;
    box-shadow: 0 18px 34px rgba(201,166,78,.28);
}

.pba-fin-btn--light {
    color: #fff !important;
    background: rgba(255,255,255,.13);
    border-color: rgba(255,255,255,.35);
    backdrop-filter: blur(12px);
}

.pba-fin-btn--outline {
    color: #fff !important;
    background: rgba(255,255,255,.09);
    border-color: rgba(255,255,255,.35);
}

.pba-fin-hero__panel {
    position: absolute;
    right: 36px;
    bottom: 36px;
    z-index: 3;
    width: min(360px, calc(100% - 72px));
    padding: 24px;
    border: 1px solid rgba(255,255,255,.28);
    border-radius: 24px;
    background: rgba(255,255,255,.14);
    color: #fff;
    backdrop-filter: blur(18px);
    box-shadow: inset 0 1px 0 rgba(255,255,255,.28);
}

.pba-fin-hero__panel strong,
.pba-fin-hero__panel span {
    display: block;
}

.pba-fin-hero__panel strong {
    font-size: 18px;
    margin-bottom: 12px;
}

.pba-fin-hero__panel span {
    color: rgba(255,255,255,.82);
    padding: 8px 0 8px 24px;
    position: relative;
}

.pba-fin-hero__panel span:before {
    content: "";
    width: 9px;
    height: 9px;
    border-radius: 50%;
    position: absolute;
    left: 0;
    top: 15px;
    background: var(--pba-gold);
    box-shadow: 0 0 0 6px rgba(212,184,111,.18);
}

.pba-fin-nav {
    position: sticky;
    top: 0;
    z-index: 10;
    width: min(980px, 100%);
    margin: -26px auto 58px;
    display: flex;
    justify-content: center;
    gap: 10px;
    padding: 12px;
    border: 1px solid rgba(255,255,255,.7);
    border-radius: 999px;
    background: rgba(255,255,255,.82);
    backdrop-filter: blur(18px);
    box-shadow: 0 18px 45px rgba(7,26,61,.11);
}

.pba-fin-nav a {
    color: var(--pba-navy) !important;
    text-decoration: none !important;
    font-weight: 850;
    font-size: 14px;
    padding: 11px 16px;
    border-radius: 999px;
    transition: background .25s ease, color .25s ease;
}

.pba-fin-nav a:hover {
    background: var(--pba-navy);
    color: #fff !important;
}

.pba-fin-intro,
.pba-fin-section-head {
    text-align: center;
    max-width: 850px;
    margin: 0 auto 34px;
}

.pba-fin-intro h2,
.pba-fin-section-head h2,
.pba-fin-focus h2,
.pba-fin-profile h2,
.pba-fin-cta h2 {
    font-size: clamp(34px, 5vw, 58px);
}

.pba-fin-intro p,
.pba-fin-profile p,
.pba-fin-focus p,
.pba-fin-cta p {
    color: var(--pba-muted);
    font-size: 17px;
    line-height: 1.75;
}

.pba-fin-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 22px;
    margin-top: 34px;
}

.pba-fin-card {
    position: relative;
    overflow: hidden;
    border-radius: 28px;
    background: var(--pba-card);
    border: 1px solid var(--pba-border);
    box-shadow: 0 18px 55px rgba(7,26,61,.08);
    transition: transform .35s ease, box-shadow .35s ease, border-color .35s ease;
}

.pba-fin-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 28px 70px rgba(7,26,61,.16);
    border-color: rgba(212,184,111,.55);
}

.pba-fin-card:before {
    content: "";
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at 15% 0%, rgba(212,184,111,.18), transparent 42%);
    opacity: 0;
    transition: opacity .35s ease;
    pointer-events: none;
}

.pba-fin-card:hover:before {
    opacity: 1;
}

.pba-fin-card__image {
    position: relative;
    height: 205px;
    overflow: hidden;
}

.pba-fin-card__image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
    transform: scale(1.02);
    transition: transform .55s ease;
}

.pba-fin-card:hover .pba-fin-card__image img {
    transform: scale(1.1);
}

.pba-fin-card__image:after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, transparent 45%, rgba(7,26,61,.58));
}

.pba-fin-card__image span {
    position: absolute;
    z-index: 2;
    left: 18px;
    bottom: 16px;
    color: #071a3d;
    background: rgba(255,255,255,.9);
    border-radius: 999px;
    padding: 8px 12px;
    font-size: 12px;
    font-weight: 950;
    letter-spacing: .08em;
    text-transform: uppercase;
}

.pba-fin-card__body {
    padding: 24px 24px 28px;
}

.pba-fin-card h3 {
    margin: 0;
    color: var(--pba-navy);
    font-size: 26px;
    line-height: 1.1;
    font-family: Georgia, "Times New Roman", serif;
}

.pba-fin-card p {
    margin: 13px 0 18px;
    color: var(--pba-muted);
    line-height: 1.65;
}

.pba-fin-card ul {
    margin: 0;
    padding: 0;
    list-style: none;
}

.pba-fin-card li {
    position: relative;
    padding-left: 24px;
    margin: 10px 0;
    color: #24314d;
    line-height: 1.55;
}

.pba-fin-card li:before {
    content: "";
    position: absolute;
    left: 0;
    top: 9px;
    width: 9px;
    height: 9px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--pba-gold), #7fd8ed);
}

.pba-fin-focus,
.pba-fin-profile,
.pba-fin-cta {
    margin-top: 72px;
    border-radius: 34px;
    overflow: hidden;
    background: linear-gradient(135deg, #fff, #fbf7ec);
    border: 1px solid var(--pba-border);
    box-shadow: 0 24px 70px rgba(7,26,61,.09);
}

.pba-fin-focus {
    display: grid;
    grid-template-columns: 1.1fr .9fr;
}

.pba-fin-focus__content {
    padding: clamp(28px, 5vw, 58px);
}

.pba-fin-focus__visual {
    min-height: 420px;
    overflow: hidden;
}

.pba-fin-focus__visual img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}

.pba-fin-stats {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 12px;
    margin-top: 30px;
}

.pba-fin-stats div {
    padding: 18px;
    border-radius: 20px;
    background: #fff;
    border: 1px solid var(--pba-border);
}

.pba-fin-stats strong {
    display: block;
    color: var(--pba-navy);
    font-size: 25px;
    margin-bottom: 7px;
}

.pba-fin-stats span {
    display: block;
    color: var(--pba-muted);
    font-size: 13px;
    line-height: 1.4;
}

.pba-fin-steps {
    margin-top: 72px;
}

.pba-fin-steps__grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 18px;
}

.pba-fin-step {
    position: relative;
    min-height: 235px;
    padding: 28px 22px;
    border-radius: 28px;
    background: var(--pba-navy);
    color: #fff;
    overflow: hidden;
    box-shadow: 0 18px 45px rgba(7,26,61,.16);
}

.pba-fin-step:after {
    content: "";
    position: absolute;
    width: 190px;
    height: 190px;
    right: -70px;
    top: -70px;
    border-radius: 999px;
    background: radial-gradient(circle, rgba(212,184,111,.38), rgba(212,184,111,0) 70%);
}

.pba-fin-step span {
    display: inline-flex;
    width: 50px;
    height: 50px;
    align-items: center;
    justify-content: center;
    border-radius: 16px;
    background: rgba(255,255,255,.12);
    color: var(--pba-gold);
    font-weight: 950;
    margin-bottom: 24px;
}

.pba-fin-step h3 {
    margin: 0;
    color: #fff;
    font-size: 20px;
}

.pba-fin-step p {
    color: rgba(255,255,255,.75);
    line-height: 1.6;
}

.pba-fin-profile {
    display: grid;
    grid-template-columns: .8fr 1.2fr;
    gap: 22px;
    padding: clamp(28px, 5vw, 54px);
}

.pba-fin-tabs {
    background: #fff;
    border: 1px solid var(--pba-border);
    border-radius: 28px;
    padding: 16px;
    box-shadow: 0 18px 45px rgba(7,26,61,.07);
}

.pba-fin-tabs__buttons {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 10px;
}

.pba-fin-tabs button {
    cursor: pointer;
    border: 0;
    border-radius: 18px;
    padding: 14px 16px;
    background: #f3f5f9;
    color: var(--pba-navy);
    font-weight: 900;
    text-align: left;
    transition: background .25s ease, color .25s ease, transform .25s ease;
}

.pba-fin-tabs button:hover,
.pba-fin-tabs button.is-active {
    background: var(--pba-navy);
    color: #fff;
    transform: translateY(-2px);
}

.pba-fin-tabs__panel {
    display: none;
    padding: 26px 10px 8px;
}

.pba-fin-tabs__panel.is-active {
    display: block;
    animation: pbaFinFade .35s ease both;
}

.pba-fin-tabs__panel h3 {
    margin: 0 0 10px;
    color: var(--pba-navy);
    font-family: Georgia, "Times New Roman", serif;
    font-size: 28px;
}

.pba-fin-faq {
    margin-top: 72px;
}

.pba-fin-accordion {
    width: min(880px, 100%);
    margin: 0 auto;
}

.pba-fin-accordion button {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 18px;
    border: 1px solid var(--pba-border);
    border-radius: 20px;
    padding: 20px 24px;
    margin-top: 12px;
    background: #fff;
    color: var(--pba-navy);
    font-weight: 950;
    font-size: 16px;
    text-align: left;
    cursor: pointer;
    box-shadow: 0 10px 30px rgba(7,26,61,.06);
}

.pba-fin-accordion button:after {
    content: "+";
    font-size: 24px;
    color: var(--pba-gold-dark);
}

.pba-fin-accordion button[aria-expanded="true"]:after {
    content: "−";
}

.pba-fin-accordion div {
    display: none;
    margin: -5px 12px 0;
    padding: 18px 22px;
    border-radius: 0 0 20px 20px;
    background: #fbf7ec;
    color: var(--pba-muted);
    line-height: 1.7;
}

.pba-fin-accordion div.is-open {
    display: block;
    animation: pbaFinFade .25s ease both;
}

.pba-fin-cta {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 26px;
    padding: clamp(28px, 5vw, 58px);
    background: linear-gradient(135deg, var(--pba-navy), #17275a);
}

.pba-fin-cta h2 {
    color: #fff;
    max-width: 760px;
}

.pba-fin-cta .pba-fin-kicker {
    color: var(--pba-gold);
}

.pba-reveal {
    opacity: 0;
    transform: translateY(28px);
    transition: opacity .75s ease, transform .75s ease;
    transition-delay: var(--delay, 0ms);
}

.pba-reveal.is-visible {
    opacity: 1;
    transform: translateY(0);
}

@keyframes pbaFinFloat {
    from { transform: translate3d(0,0,0) scale(1); }
    to { transform: translate3d(-28px,30px,0) scale(1.08); }
}

@keyframes pbaFinFade {
    from { opacity: 0; transform: translateY(6px); }
    to { opacity: 1; transform: translateY(0); }
}

@media (max-width: 1024px) {
    .pba-fin-grid,
    .pba-fin-steps__grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .pba-fin-focus,
    .pba-fin-profile {
        grid-template-columns: 1fr;
    }

    .pba-fin-hero__panel {
        position: relative;
        right: auto;
        bottom: auto;
        margin-top: 36px;
    }
}

@media (max-width: 767px) {
    .pba-financement-academy {
        padding: 18px 12px 54px;
    }

    .pba-fin-hero {
        min-height: auto;
        border-radius: 26px;
        padding: 34px 22px;
    }

    .pba-fin-hero h1 {
        font-size: 42px;
    }

    .pba-fin-nav {
        position: relative;
        top: auto;
        flex-wrap: wrap;
        border-radius: 24px;
        margin: 18px 0 42px;
    }

    .pba-fin-nav a {
        flex: 1 1 42%;
        text-align: center;
    }

    .pba-fin-grid,
    .pba-fin-steps__grid,
    .pba-fin-stats,
    .pba-fin-tabs__buttons {
        grid-template-columns: 1fr;
    }

    .pba-fin-card__image {
        height: 190px;
    }

    .pba-fin-focus__visual {
        min-height: 280px;
    }

    .pba-fin-cta {
        align-items: stretch;
        flex-direction: column;
        text-align: center;
    }

    .pba-fin-cta__actions,
    .pba-fin-hero__actions {
        flex-direction: column;
    }

    .pba-fin-btn {
        width: 100%;
    }
}