/* ===== OPEN AN ACCOUNT PAGE ===== */

/* Hero */
.oa-hero {
  background: var(--dark);
  color: #fff;
  padding: 5rem 0 4rem;
  position: relative;
  overflow: hidden;
}
.oa-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    linear-gradient(130deg, rgba(17,17,17,0.94) 0%, rgba(42,61,143,0.80) 100%),
    radial-gradient(ellipse at 75% 50%, #0d1a4a 0%, transparent 55%);
}
.oa-hero .wrap { position: relative; z-index: 1; }
.oa-hero .breadcrumb {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.55);
  margin-bottom: 1.2rem;
}
.oa-hero .breadcrumb a { color: rgba(255,255,255,0.55); }
.oa-hero .breadcrumb a:hover { color: #fff; }
.oa-hero .breadcrumb span { color: rgba(255,255,255,0.35); margin: 0 0.5rem; }
.oa-hero h1 {
  font-size: clamp(2.2rem, 5vw, 3.8rem);
  font-weight: 800;
  max-width: 760px;
  margin: 0 0 1.2rem;
}
.oa-hero .hero-lede {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.78);
  max-width: 580px;
  margin: 0 0 2rem;
}
.oa-hero .hero-cta-row { display: flex; gap: 1rem; flex-wrap: wrap; }

/* Account types section */
.account-types-section {
  padding: 5rem 0;
  background: #f8f8f8;
}
.accounts-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 1.5rem;
}
.account-card {
  background: #fff;
  border-radius: 12px;
  border: 1px solid #eee;
  padding: 2rem 1.75rem;
  display: flex;
  flex-direction: column;
  transition: box-shadow 0.2s, transform 0.2s;
}
.account-card:hover {
  box-shadow: 0 8px 32px rgba(0,0,0,0.10);
  transform: translateY(-3px);
}
.account-card .ac-icon {
  width: 48px;
  height: 48px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  flex-shrink: 0;
}
.ac-icon.red { background: rgba(42,61,143,0.1); color: var(--red); }
.ac-icon.dark { background: rgba(17,17,17,0.08); color: var(--dark); }
.account-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  margin: 0 0 0.5rem;
}
.account-card .ac-tag {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 0.2rem 0.6rem;
  border-radius: 20px;
  margin-bottom: 0.75rem;
}
.ac-tag.tag-red { background: rgba(42,61,143,0.1); color: var(--red); }
.ac-tag.tag-dark { background: rgba(17,17,17,0.08); color: var(--dark); }
.account-card p {
  font-size: 0.9rem;
  color: #555;
  margin: 0 0 1.25rem;
  flex: 1;
}
.account-card ul {
  list-style: none;
  padding: 0;
  margin: 0 0 1.5rem;
}
.account-card ul li {
  font-size: 0.85rem;
  color: #444;
  padding: 0.35rem 0;
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  border-bottom: 1px solid #f0f0f0;
}
.account-card ul li:last-child { border-bottom: none; }
.account-card ul li svg { color: var(--red); margin-top: 1px; flex-shrink: 0; }
.ac-link {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--red);
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 0.3rem;
  margin-top: auto;
}
.ac-link:hover { text-decoration: underline; }

/* How to open steps */
.steps-section {
  padding: 5rem 0;
  background: #fff;
}
.steps-section .section-header { text-align: center; max-width: 600px; margin: 0 auto 3rem; }
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 2rem;
}
.oa-step {
  text-align: center;
  padding: 2rem 1.5rem;
  border-radius: 12px;
  background: #f8f8f8;
  position: relative;
}
.step-num {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--red);
  color: #fff;
  font-size: 1.2rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
}
.oa-step h4 { font-size: 1rem; font-weight: 700; margin: 0 0 0.5rem; }
.oa-step p { font-size: 0.88rem; color: #555; margin: 0; }

/* Requirements / documents */
.requirements-section {
  padding: 5rem 0;
  background: #f8f8f8;
}
.req-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: start;
}
@media (max-width: 768px) { .req-layout { grid-template-columns: 1fr; } }
.req-text .kicker {
  color: var(--red);
  font-size: 0.8rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 0.5rem;
}
.req-text h2 {
  font-size: clamp(1.7rem, 3vw, 2.4rem);
  font-weight: 800;
  margin: 0 0 1rem;
}
.req-text > p { color: #555; margin-bottom: 1.5rem; }
.req-checklist {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}
.req-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 0.65rem;
  font-size: 0.92rem;
  color: #333;
}
.check-icon {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: rgba(42,61,143,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--red);
  margin-top: 1px;
}

.docs-card {
  background: #fff;
  border-radius: 14px;
  padding: 2rem;
  box-shadow: 0 4px 24px rgba(0,0,0,0.07);
}
.docs-card h3 { font-size: 1.1rem; font-weight: 700; margin: 0 0 1.25rem; }
.docs-tabs {
  display: flex;
  gap: 0.5rem;
  margin-bottom: 1.5rem;
  border-bottom: 2px solid #eee;
  padding-bottom: 0;
}
.doc-tab {
  background: none;
  border: none;
  cursor: pointer;
  font-family: inherit;
  font-size: 0.85rem;
  font-weight: 600;
  color: #888;
  padding: 0.5rem 0.75rem;
  border-bottom: 2px solid transparent;
  margin-bottom: -2px;
  transition: color 0.15s, border-color 0.15s;
}
.doc-tab.active { color: var(--red); border-bottom-color: var(--red); }
.docs-list { display: none; flex-direction: column; gap: 0.6rem; }
.docs-list.visible { display: flex; }
.doc-item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.88rem;
  color: #444;
  padding: 0.6rem 0.75rem;
  background: #f8f8f8;
  border-radius: 7px;
}
.doc-item svg { color: var(--red); flex-shrink: 0; }

/* FAQ */
.oa-faq-section {
  padding: 5rem 0;
  background: #fff;
}
/* CTA banner */
.oa-cta-section {
  background: var(--red);
  color: #fff;
  padding: 4rem 0;
  text-align: center;
}
.oa-cta-section h2 {
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 800;
  margin: 0 0 0.75rem;
}
.oa-cta-section p {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.85);
  max-width: 560px;
  margin: 0 auto 2rem;
}
.oa-cta-row { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }