/* ==========================================================================
   OPEN ACCOUNT FLOW — standalone stylesheet
   Brand: Page International Finance Company Limited (orange identity)
   Used by: open-account.php, open-account-bvn.php, open-account-nin.php
   ========================================================================== */

:root {
  --oa-orange:        #ff6600;
  --oa-orange-dark:   #c4621a;
  --oa-orange-light:  #ffa766;
  --oa-orange-tint:   #fff1e6;
  --oa-orange-tint-2: #ffe3cc;
  --oa-ink:           #0c0e12;
  --oa-text:          #1b1f27;
  --oa-muted:         #6b7280;
  --oa-border:        #e3e6eb;
  --oa-card:          #ffffff;
  --oa-bg:            #f7f8fa;
  --oa-radius-sm:     8px;
  --oa-radius:        12px;
  --oa-radius-lg:     20px;
  --oa-shadow:        0 4px 24px rgba(12,14,18,.06);
  --oa-shadow-lg:     0 20px 60px rgba(12,14,18,.16);
  --oa-error:         #e5384d;
}

*,*::before,*::after { box-sizing:border-box; margin:0; padding:0; }

html.oa-html, body.oa-body {
  height:100%;
}

body.oa-body {
  font-family:'Segoe UI', system-ui, -apple-system, sans-serif;
  background:var(--oa-bg);
  color:var(--oa-text);
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
}

a { text-decoration:none; color:inherit; }
img { max-width:100%; display:block; }
button { font-family:inherit; }

::-webkit-scrollbar { width:6px; }
::-webkit-scrollbar-track { background:transparent; }
::-webkit-scrollbar-thumb { background:var(--oa-orange-light); border-radius:3px; }

/* ===== Shared shell: split screen ===== */
.oa-shell {
  height:100vh;
  display:grid;
  grid-template-columns: 1fr 1fr;
  overflow:hidden;
}

/* ── Left visual panel (shared across all 3 screens) ── */
.oa-visual {
  position:relative;
  overflow:hidden;
  background:#1a1206;
  background-size:cover;
  background-position:center;
  display:flex;
  flex-direction:column;
  justify-content:space-between;
  padding:40px;
  color:#fff;
  height:100%;
}
.oa-visual > .oa-slideshow {
  position:absolute; inset:0; z-index:0;
}
.oa-visual::before {
  content:'';
  position:absolute; inset:0;
  z-index:2;
  background:linear-gradient(0deg, rgba(0,0,0,.72) 0%, rgba(0,0,0,.35) 28%, rgba(0,0,0,0) 55%);
  pointer-events:none;
}
.oa-visual > * { position:relative; z-index:3; }
.oa-slideshow .oa-visual-photo {
  position:absolute; inset:0;
  background-size:cover; background-position:center;
  z-index:0;
  filter:saturate(1.05);
  opacity:0;
  transition:opacity 1.2s ease;
}
.oa-visual-photo.is-active {
  opacity:1;
  z-index:1;
}

.oa-visual { justify-content:flex-start; }
.oa-logo {
  position:absolute; top:32px; left:32px; z-index:5;
  display:inline-flex; align-items:center; gap:10px;
}
.oa-logo img {
  height:96px; width:auto;
  filter:drop-shadow(0 2px 6px rgba(0,0,0,.5));
}
.oa-logo-text { font-size:1.15rem; font-weight:800; letter-spacing:-.3px; color:#fff; }
.oa-logo-text span { color:var(--oa-orange-light); }
.oa-visual-caption { margin-top:auto; }

.oa-visual-caption {
  max-width:380px;
}
.oa-visual-caption .tag {
  display:inline-flex; align-items:center; gap:8px;
  padding:6px 14px; border-radius:50px;
  background:rgba(255,255,255,.12);
  border:1px solid rgba(255,255,255,.22);
  font-size:.72rem; font-weight:700; letter-spacing:1.4px; text-transform:uppercase;
  margin-bottom:18px; backdrop-filter:blur(6px);
}
.oa-visual-caption h2 {
  font-size:1.7rem; font-weight:800; line-height:1.25; margin-bottom:12px; letter-spacing:-.4px;
}
.oa-visual-caption p {
  font-size:.95rem; color:rgba(255,255,255,.78);
}

/* Back arrow (form pages) */
.oa-back {
  position:absolute; top:32px; left:32px; z-index:5;
  width:42px; height:42px; border-radius:50%;
  display:flex; align-items:center; justify-content:center;
  background:var(--oa-orange);
  border:1px solid rgba(255,255,255,.25);
  color:#fff; cursor:pointer;
  backdrop-filter:blur(6px);
  transition:background .2s, transform .2s;
}
.oa-back:hover { background:var(--oa-orange-dark); transform:translateX(-2px); }

/* ── Right content panel ── */
.oa-panel {
  display:flex; flex-direction:column; justify-content:center;
  padding:64px clamp(28px, 6vw, 96px);
  background:var(--oa-card);
  height:100%;
  overflow-y:auto;
}
.oa-panel-inner { max-width:480px; width:100%; margin:0 auto; }

/* ===== SELECTION SCREEN ===== */
.oa-eyebrow {
  font-size:.74rem; font-weight:700; letter-spacing:1.6px; text-transform:uppercase;
  color:var(--oa-orange); margin-bottom:10px;
}
.oa-h1 {
  font-size:clamp(1.7rem, 2.6vw, 2.15rem);
  font-weight:800; letter-spacing:-.5px; line-height:1.25;
  color:var(--oa-ink); margin-bottom:10px;
  text-align:center;
}
.oa-h1 .highlight { color:var(--oa-orange); }
.oa-sub {
  color:var(--oa-muted); font-size:.98rem; margin-bottom:34px;
  text-align:center;
}

.oa-option {
  display:block; width:100%;
  padding:18px 22px; border-radius:var(--oa-radius);
  text-align:center; cursor:pointer;
  font-size:1rem; font-weight:700;
  transition:transform .22s ease, box-shadow .22s ease, background .22s ease, border-color .22s ease;
  border:1.5px solid transparent;
}
.oa-option .oa-option-sub {
  display:block; font-size:.78rem; font-weight:500; margin-top:3px; opacity:.85;
}
.oa-option-primary {
  background:var(--oa-orange);
  color:#fff;
  box-shadow:0 10px 28px rgba(255,102,0,.32);
}
.oa-option-primary:hover { transform:translateY(-2px); box-shadow:0 14px 36px rgba(255,102,0,.4); }

.oa-option-outline {
  background:#fff;
  color:var(--oa-orange-dark);
  border-color:var(--oa-orange);
}
.oa-option-outline:hover {
  background:var(--oa-orange-tint);
  transform:translateY(-2px);
  box-shadow:0 10px 24px rgba(255,102,0,.14);
}

.oa-or-divider {
  display:flex; align-items:center; gap:14px;
  margin:18px 0;
  color:var(--oa-muted); font-size:.78rem; font-weight:600; letter-spacing:.5px;
}
.oa-or-divider::before, .oa-or-divider::after {
  content:''; flex:1; height:1px; background:var(--oa-border);
}

.oa-info-box {
  margin-top:34px;
  padding:22px 24px;
  background:rgba(20, 16, 12, 0.55);
  border:1px solid rgba(255, 255, 255, 0.14);
  border-radius:var(--oa-radius);
  backdrop-filter:blur(18px) saturate(140%);
  -webkit-backdrop-filter:blur(18px) saturate(140%);
  box-shadow:0 8px 32px rgba(0, 0, 0, 0.18);
}
.oa-info-box h3 {
  font-size:.92rem; font-weight:700; color:#fff; margin-bottom:12px;
}
.oa-info-box ul { list-style:none; display:flex; flex-direction:column; gap:9px; }
.oa-info-box li {
  display:flex; align-items:flex-start; gap:9px;
  font-size:.86rem; color:rgba(255,255,255,.82);
}
.oa-info-box li svg { flex-shrink:0; margin-top:3px; color:var(--oa-orange-light); }
/* ===== FORM SCREENS (BVN / NIN) ===== */
.oa-form-panel { overflow-y:auto; justify-content:flex-start; padding-top:48px; padding-bottom:48px; }
.oa-form-panel .oa-panel-inner {
  max-width:680px;
  background:var(--oa-card);
  border-radius:var(--oa-radius-lg);
  padding:36px 30px 30px;
  box-shadow:var(--oa-shadow);
  border:1px solid var(--oa-border);
}
.oa-form-header { text-align:center; margin-bottom:30px; }
.oa-form-header h1 {
  font-size:clamp(1.4rem, 2.2vw, 1.7rem);
  font-weight:800; color:var(--oa-ink); letter-spacing:-.4px; margin-bottom:8px;
}
.oa-form-header p { color:var(--oa-muted); font-size:.92rem; }

.oa-form-grid {
  display:grid; grid-template-columns:1fr 1fr; gap:18px 20px;
}
.oa-field { display:flex; flex-direction:column; gap:7px; }
.oa-field.full { grid-column:1 / -1; }
.oa-field label {
  font-size:.82rem; font-weight:600; color:var(--oa-ink);
}
.oa-field label .req { color:var(--oa-error); margin-left:2px; }
.oa-field label .opt {
  font-weight:400; color:var(--oa-muted); font-size:.78rem; margin-left:4px;
}

.oa-field input[type="text"],
.oa-field input[type="email"],
.oa-field input[type="tel"],
.oa-field input[type="date"],
.oa-field select,
.oa-field textarea {
  width:100%;
  padding:12px 14px;
  border:1.5px solid var(--oa-border);
  border-radius:var(--oa-radius-sm);
  background:#fff;
  font-size:.92rem;
  color:var(--oa-text);
  font-family:inherit;
  transition:border-color .2s, box-shadow .2s;
}
.oa-field input::placeholder, .oa-field textarea::placeholder { color:#9aa0aa; }
.oa-field input:focus, .oa-field select:focus, .oa-field textarea:focus {
  outline:none;
  border-color:var(--oa-orange);
  box-shadow:0 0 0 3px rgba(255,102,0,.12);
}
.oa-field textarea { resize:vertical; min-height:90px; }

.oa-field select {
  appearance:none;
  -webkit-appearance:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%236b7280' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat:no-repeat;
  background-position:right 14px center;
  padding-right:38px;
  cursor:pointer;
}

/* File input */
.oa-file {
  display:flex; align-items:stretch; border:1.5px solid var(--oa-border);
  border-radius:var(--oa-radius-sm); overflow:hidden; background:#fff;
}
.oa-file-btn {
  flex-shrink:0; padding:12px 16px; background:var(--oa-bg);
  border-right:1.5px solid var(--oa-border);
  font-size:.85rem; font-weight:600; color:var(--oa-text); cursor:pointer;
  white-space:nowrap;
}
.oa-file-name {
  flex:1; padding:12px 14px; font-size:.85rem; color:var(--oa-muted);
  overflow:hidden; text-overflow:ellipsis; white-space:nowrap;
}
.oa-file input[type="file"] { display:none; }
.oa-file-hint { font-size:.74rem; color:var(--oa-muted); margin-top:6px; text-align:right; }

.oa-submit-note {
  margin-top:22px;
  display:flex;
  align-items:flex-start;
  gap:10px;
  padding:14px 16px;
  background:var(--oa-orange-tint);
  border:1px solid var(--oa-orange-tint-2);
  border-left:3px solid var(--oa-orange);
  border-radius:var(--oa-radius-sm);
  font-size:.85rem;
  font-weight:600;
  color:var(--oa-orange-dark);
  line-height:1.5;
}
.oa-submit-note svg {
  flex-shrink:0;
  margin-top:1px;
  color:var(--oa-orange);
}

.oa-submit {
  width:100%; margin-top:14px;
  padding:15px 22px; border:none; border-radius:var(--oa-radius-sm);
  background:var(--oa-orange);
  color:#fff; font-size:.98rem; font-weight:700; cursor:pointer;
  display:flex; align-items:center; justify-content:center; gap:8px;
  box-shadow:0 10px 26px rgba(255,102,0,.3);
  transition:transform .2s, box-shadow .2s, opacity .2s;
}
.oa-submit:hover { transform:translateY(-2px); box-shadow:0 14px 32px rgba(255,102,0,.38); }
.oa-submit:disabled { opacity:.65; cursor:not-allowed; transform:none; }

.oa-form-msg {
  margin-top:16px; padding:12px 14px; border-radius:var(--oa-radius-sm);
  font-size:.85rem; text-align:center; display:none;
}
.oa-form-msg.success { display:block; background:#e9f9ee; color:#1c8a45; border:1px solid #c8efd5; }
.oa-form-msg.error   { display:block; background:#fdecee; color:#c4233a; border:1px solid #f6c3cb; }

.oa-field-error { border-color:var(--oa-error) !important; }

/* Mobile-only back link (desktop uses .oa-back over the photo instead) */
.oa-back-mobile {
  display:none;
  align-items:center; gap:8px;
  font-size:.85rem; font-weight:600; color:var(--oa-muted);
  margin-bottom:18px; cursor:pointer;
}
.oa-back-mobile:hover { color:var(--oa-orange); }

/* ===== Responsive ===== */
@media (max-width: 980px) {
  .oa-shell { grid-template-columns:1fr; height:auto; overflow:visible; }
  .oa-visual { display:none; }
  .oa-panel {
    padding:40px 22px 64px;
    min-height:100vh;
    min-height:100dvh;
    height:auto;
    overflow:visible;
    display:flex;
    justify-content:center;
  }
  .oa-form-grid { grid-template-columns:1fr; }
  .oa-back-mobile { display:inline-flex; }
}
@media (max-width: 480px) {
  .oa-option { padding:16px 18px; font-size:.94rem; }
}

/* ===================================================================
   PRELOADER (shared with main site index)
   =================================================================== */
#preloader {
  position: fixed;
  inset: 0;
  z-index: 99999;
  display: flex;
  align-items: center;
  justify-content: center;
  background: #ffffff;
  transition: opacity .7s cubic-bezier(.4,0,.2,1), visibility .7s;
}
#preloader.hide {
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
}
.pl-logo {
  width: 220px;
  height: auto;
  display: block;
  border-radius: 12px;
  animation: pl-fade-in .8s cubic-bezier(.25,.46,.45,.94) both;
}
@keyframes pl-fade-in {
  0%   { opacity: 0; transform: scale(.94); }
  100% { opacity: 1; transform: scale(1); }
}