/* ═══════════════════════════════════════════════════════════
   BANCOXA — CSS commun au tunnel d'ouverture de compte
════════════════════════════════════════════════════════════ */
:root{--navy:var(--wf-primary);--gold:var(--wf-secondary);--gold-dark:#b45309;--bg:#f0f4ff;--radius:12px;}

/* ── Hero ─────────────────────────────────────────────────── */
.oa-hero{background:linear-gradient(135deg,#06163a 0%,var(--wf-primary) 100%);padding:52px 0 36px;text-align:center;color:#fff;margin-bottom:0;}
.oa-hero h1{font-size:clamp(1.5rem,3vw,2.2rem);font-weight:800;margin-bottom:8px;}
.oa-hero p{color:rgba(255,255,255,.75);font-size:14px;}
.oa-breadcrumb{list-style:none;padding:0;margin:12px 0 0;display:flex;justify-content:center;gap:6px;font-size:12px;color:rgba(255,255,255,.6);}
.oa-breadcrumb li+li::before{content:'›';margin-right:6px;}
.oa-breadcrumb a{color:rgba(255,255,255,.75);text-decoration:none;}

/* ── Layout ───────────────────────────────────────────────── */
.oa-wrap{max-width:720px;margin:0 auto;padding:40px 20px 60px;}
.oa-wrap--wide{max-width:760px;}

/* ── Barre de progression ─────────────────────────────────── */
.oa-progress{display:flex;align-items:center;margin-bottom:40px;padding-bottom:32px;}
.oa-dot{width:38px;height:38px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:14px;background:#e2e8f0;color:#64748b;flex-shrink:0;transition:background .3s,color .3s;position:relative;z-index:1;}
.oa-dot.active{background:var(--gold);color:#fff;}
.oa-dot.done{background:var(--navy);color:#fff;}
.oa-dot-label{position:absolute;top:46px;left:50%;transform:translateX(-50%);font-size:11px;white-space:nowrap;color:#64748b;font-weight:600;}
.oa-dot.active .oa-dot-label{color:var(--gold-dark);}
.oa-dot.done  .oa-dot-label{color:var(--navy);}
.oa-line{flex:1;height:4px;background:#e2e8f0;transition:background .3s;}
.oa-line.done{background:var(--navy);}

/* ── Carte ────────────────────────────────────────────────── */
.oa-card{background:#fff;border-radius:var(--radius);box-shadow:0 4px 28px rgba(10,36,99,.10);padding:36px 40px;margin-bottom:20px;}
@media(max-width:600px){.oa-card{padding:24px 16px;}}
.oa-card-title{color:var(--navy);font-size:18px;font-weight:700;margin-bottom:4px;}
.oa-card-sub{color:#64748b;font-size:13px;margin-bottom:28px;}
.oa-section-title{font-size:13px;font-weight:700;color:var(--navy);text-transform:uppercase;letter-spacing:.06em;border-bottom:2px solid #f0f4ff;padding-bottom:8px;margin:28px 0 16px;}
.oa-section-title:first-child{margin-top:0;}

/* ── Champs ───────────────────────────────────────────────── */
.oa-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
@media(max-width:540px){.oa-row{grid-template-columns:1fr;}}
.oa-field{display:flex;flex-direction:column;gap:4px;margin-bottom:16px;}
.oa-field.full{grid-column:1/-1;}
.oa-label{font-size:13px;font-weight:600;color:var(--navy);}
.oa-label .req{color:var(--gold-dark);}
.oa-input{border:1.5px solid #cbd5e1;border-radius:8px;padding:10px 14px;font-size:14px;color:#1e293b;background:#fff;width:100%;outline:none;font-family:inherit;transition:border-color .2s,box-shadow .2s;}
.oa-input:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(10,36,99,.08);}
.oa-input.invalid{border-color:var(--gold-dark)!important;}
.oa-err{font-size:11px;color:var(--gold-dark);display:none;}
.oa-err.show{display:block;}

/* ── Radios & checkboxes ──────────────────────────────────── */
.oa-radio-group{display:flex;gap:16px;flex-wrap:wrap;margin-top:4px;}
.oa-radio-group label{display:flex;align-items:center;gap:6px;font-size:13px;cursor:pointer;color:#1e293b;}
.oa-radio-group input[type=radio]{accent-color:var(--navy);width:16px;height:16px;flex-shrink:0;}
.oa-consent{display:flex;gap:10px;align-items:flex-start;padding:16px;background:#f8faff;border-radius:8px;border:1px solid #dbe4f5;margin-bottom:20px;}
.oa-consent input{accent-color:var(--navy);margin-top:3px;flex-shrink:0;}
.oa-consent label{font-size:12px;color:#475569;cursor:pointer;}

/* ── Boutons nav ──────────────────────────────────────────── */
.oa-nav{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-top:24px;}
.oa-btn{padding:12px 28px;border-radius:8px;font-size:14px;font-weight:700;border:none;cursor:pointer;display:inline-flex;align-items:center;gap:6px;transition:background .2s;text-decoration:none;}
.oa-btn-back{background:#f1f5f9;color:#475569;}
.oa-btn-back:hover{background:#e2e8f0;}
.oa-btn-next{background:var(--navy);color:#fff;}
.oa-btn-next:hover{background:#0d2d7a;}

/* ── Étape 3 : carte bancaire ─────────────────────────────── */
.oa-card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:6px;}
@media(max-width:480px){.oa-card-grid{grid-template-columns:1fr;}}
.oa-card-choice{border:2px solid #e2e8f0;border-radius:10px;padding:18px 12px;text-align:center;cursor:pointer;transition:border-color .2s,box-shadow .2s;}
.oa-card-choice:hover{border-color:var(--gold);}
.oa-card-choice.selected{border-color:var(--gold);box-shadow:0 0 0 3px rgba(212,168,67,.15);}
.oa-card-choice input[type=radio]{display:none;}
.oa-card-choice img{max-width:90px;display:block;margin:0 auto 10px;border-radius:6px;box-shadow:0 3px 10px rgba(0,0,0,.12);}
.oa-card-choice .oa-card-name{font-size:12px;font-weight:700;color:var(--navy);}
.oa-radio-hint{background:#fffbf0;border:1px solid #fde68a;border-radius:8px;padding:12px 14px;font-size:12px;color:#92400e;margin-top:10px;display:none;}
.oa-radio-hint.show{display:block;}
.oa-option-box{border:1.5px solid #e2e8f0;border-radius:10px;padding:18px 20px;margin-bottom:12px;transition:border-color .2s;}
.oa-option-box:hover{border-color:var(--gold);}
.oa-option-box.checked{border-color:var(--navy);background:#f8faff;}
.oa-option-header{display:flex;align-items:flex-start;gap:12px;}
.oa-option-header input[type=checkbox]{accent-color:var(--navy);width:18px;height:18px;margin-top:2px;flex-shrink:0;cursor:pointer;}
.oa-option-header label{cursor:pointer;font-weight:700;color:var(--navy);font-size:14px;}
.oa-option-body{font-size:12px;color:#64748b;margin-top:8px;padding-left:30px;line-height:1.7;}
.oa-bonus{background:linear-gradient(135deg,var(--navy),#0000b3);color:#fff;border-radius:10px;padding:18px 22px;display:flex;align-items:center;gap:16px;margin-top:20px;}
.oa-bonus-icon{font-size:28px;color:var(--gold);}
.oa-bonus-text strong{font-size:18px;color:var(--gold);}
.oa-bonus-text span{font-size:12px;color:rgba(255,255,255,.75);display:block;margin-top:2px;}

/* ── Étape 4 : récapitulatif ──────────────────────────────── */
.oa-recap-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px 24px;}
@media(max-width:500px){.oa-recap-grid{grid-template-columns:1fr;}}
.oa-recap-row{display:flex;flex-direction:column;padding:6px 0;border-bottom:1px solid #f1f5f9;}
.oa-recap-row:last-child{border-bottom:none;}
.oa-rk{font-size:11px;color:#94a3b8;font-weight:600;text-transform:uppercase;letter-spacing:.04em;}
.oa-rv{font-size:14px;font-weight:600;color:#1e293b;margin-top:2px;}
.oa-rv.highlight{color:var(--navy);}
.oa-badge{display:inline-flex;align-items:center;gap:5px;background:#f0f4ff;color:var(--navy);border-radius:20px;padding:3px 12px;font-size:11px;font-weight:700;}
.oa-badge.green{background:#f0fdf4;color:#15803d;}
.oa-btn-submit{background:var(--gold);color:#fff;}
.oa-btn-submit:hover{background:#c49930;}
.oa-btn-submit .spinner{display:none;width:16px;height:16px;border:2px solid rgba(255,255,255,.4);border-top-color:#fff;border-radius:50%;animation:oa-spin .7s linear infinite;}
.oa-btn-submit.loading .spinner{display:inline-block;}
.oa-btn-submit.loading .btn-text{display:none;}
@keyframes oa-spin{to{transform:rotate(360deg);}}
.oa-security-note{text-align:center;font-size:11px;color:#94a3b8;margin-top:12px;}