/* Guide Compte bancaire USA — France-USA-Net.Com
   Palette harmonisée realestate-guide.css : fond clair → texte sombre | fond sombre → texte clair */

body.bank-account-page {
  --ba-text-on-light: #14110e;
  --ba-text-muted-on-light: #3d3834;
  --ba-accent: #2c5f4e;
  --ba-accent-dark: #1a3d32;
  --ba-accent-gold: #f4d58a;
  --ba-link-on-light: #1d4ed8;
  --ba-link-warm: #b8703a;
  --ba-surface-light: linear-gradient(145deg, #fdfbf8 0%, #ffffff 100%);
  --ba-surface-dark: linear-gradient(135deg, #2c5f4e 0%, #0b1020 100%);
  --ba-text-on-dark: #f1f5f9;
  --ba-text-muted-on-dark: #e2e8f0;
  --ba-link-on-dark: #93c5fd;
}

/* Étapes — fond page sombre */
.bank-account-step-list {
  counter-reset: ba-step;
  list-style: none;
  padding: 0;
  margin: 16px 0;
}

.bank-account-step-list > li {
  counter-increment: ba-step;
  position: relative;
  padding: 0 0 18px 2.85rem;
  margin-bottom: 10px;
  line-height: 1.68;
  color: var(--text-300);
}

.bank-account-step-list > li strong {
  color: var(--text-100);
}

.bank-account-step-list > li::before {
  content: counter(ba-step);
  position: absolute;
  left: 0;
  top: 2px;
  width: 2.1rem;
  height: 2.1rem;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--ba-accent), var(--ba-accent-dark));
  color: #fff;
  font-weight: 800;
  font-size: 0.88rem;
  display: flex;
  align-items: center;
  justify-content: center;
}

/* Cartes — fond clair */
.bank-account-card-grid {
  display: grid;
  gap: 14px;
  margin: 18px 0;
}

@media (min-width: 640px) {
  .bank-account-card-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 900px) {
  .bank-account-card-grid.bank-account-card-grid--3 {
    grid-template-columns: repeat(3, 1fr);
  }
}

.bank-account-card {
  border: 1px solid rgba(44, 95, 78, 0.2);
  border-radius: 14px;
  padding: 14px 16px;
  background: var(--ba-surface-light);
  color: var(--ba-text-on-light);
  transition: transform 0.22s ease, box-shadow 0.22s ease;
}

.bank-account-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 28px rgba(25, 35, 30, 0.1);
}

.bank-account-card h3,
.bank-account-card h4 {
  margin: 0 0 8px;
  color: var(--ba-accent);
  font-size: 1rem;
}

.bank-account-card p,
.bank-account-card li {
  font-size: 0.92rem;
  line-height: 1.58;
  color: var(--ba-text-muted-on-light);
}

.bank-account-card ul {
  margin: 0;
  padding-left: 1.1rem;
}

.bank-account-card a {
  color: var(--ba-link-warm);
  font-weight: 600;
}

.bank-account-card a:hover,
.bank-account-card a:focus-visible {
  color: var(--ba-accent);
}

/* Encadrés — fond clair */
.bank-account-callout {
  margin-top: 14px;
  border-radius: 12px;
  padding: 14px 16px;
  border-left: 4px solid var(--ba-link-warm);
  background: linear-gradient(135deg, #fff9f3 0%, #fff0e6 100%);
  color: #2e2418;
  font-size: 0.94rem;
  line-height: 1.62;
}

.bank-account-callout strong {
  color: var(--ba-accent);
}

.bank-account-callout--legal {
  border-left-color: #854d0e;
  background: linear-gradient(135deg, #fffef6 0%, #f6f3e4 100%);
  color: #2c2610;
}

.bank-account-callout--legal strong {
  color: #5a4a12;
}

/* Panneaux formulaires */
.bank-account-forms-grid {
  display: grid;
  gap: 16px;
}

@media (min-width: 760px) {
  .bank-account-forms-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.bank-account-forms-grid .bank-account-panel {
  border-radius: 14px;
  padding: 16px 18px;
  border: 1px solid rgba(20, 17, 14, 0.1);
}

.bank-account-forms-grid .bank-account-panel--light {
  background: var(--ba-surface-light);
  color: var(--ba-text-on-light);
}

.bank-account-forms-grid .bank-account-panel--light h3 {
  margin-top: 0;
  color: var(--ba-accent);
}

.bank-account-forms-grid .bank-account-panel--light li {
  color: var(--ba-text-muted-on-light);
}

.bank-account-forms-grid .bank-account-panel--light a {
  color: var(--ba-link-on-light);
  font-weight: 600;
}

.bank-account-forms-grid .bank-account-panel--dark {
  background: var(--ba-surface-dark);
  color: var(--ba-text-on-dark);
  border-color: rgba(255, 255, 255, 0.14);
}

.bank-account-forms-grid .bank-account-panel--dark h3 {
  margin-top: 0;
  color: var(--ba-accent-gold);
}

.bank-account-forms-grid .bank-account-panel--dark li {
  color: var(--ba-text-muted-on-dark);
}

.bank-account-forms-grid .bank-account-panel--dark a {
  color: var(--ba-link-on-dark);
  font-weight: 600;
}

.bank-account-forms-grid ul {
  margin: 8px 0 0;
  padding-left: 1.2rem;
}

/* Tableau sur fond clair */
.bank-account-table-wrap {
  overflow-x: auto;
  margin: 18px 0;
  border-radius: 14px;
  border: 1px solid rgba(44, 95, 78, 0.2);
  background: var(--ba-surface-light);
  -webkit-overflow-scrolling: touch;
}

.bank-account-table-wrap .data-table {
  margin: 0;
  border-radius: 0;
}

.bank-account-table-wrap .data-table caption {
  color: var(--ba-accent);
  padding: 12px 16px 0;
}

.bank-account-table-wrap .data-table thead th {
  background: rgba(44, 95, 78, 0.12);
  color: var(--ba-accent);
  border-bottom-color: rgba(44, 95, 78, 0.2);
}

.bank-account-table-wrap .data-table tbody td {
  color: var(--ba-text-muted-on-light);
  border-bottom-color: rgba(44, 95, 78, 0.12);
}

.bank-account-table-wrap .data-table tbody tr:hover {
  background: rgba(44, 95, 78, 0.06);
}

.bank-account-table-wrap .data-table a {
  color: var(--ba-link-on-light);
  font-weight: 600;
}

/* Badges */
.bank-account-badge-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 12px 0 0;
}

.bank-account-badge {
  display: inline-flex;
  padding: 6px 12px;
  border-radius: 999px;
  font-size: 0.82rem;
  font-weight: 700;
  background: rgba(44, 95, 78, 0.12);
  color: var(--ba-accent);
  border: 1px solid rgba(44, 95, 78, 0.25);
}

/* Zones sombres explicites */
body.bank-account-page .retirement-link-card,
body.bank-account-page .retirement-link-card li {
  color: var(--text-300);
}

body.bank-account-page .retirement-link-card h3 {
  color: var(--gold);
}

body.bank-account-page .retirement-link-card a {
  color: var(--text-300);
}

body.bank-account-page .cta-inner h2 {
  color: #ffffff;
}

body.bank-account-page .cta-inner p {
  color: rgba(255, 255, 255, 0.92);
}

.bank-account-note-box {
  margin-top: 14px;
  border-radius: 12px;
  padding: 14px 16px;
  border-left: 4px solid var(--ba-accent);
  background: linear-gradient(135deg, #fffef6 0%, #f6f3e4 100%);
  border: 1px solid rgba(90, 74, 18, 0.2);
  color: #2c2610;
  font-size: 0.94rem;
  line-height: 1.62;
}

.bank-account-links-grid {
  display: grid;
  gap: 10px;
  margin: 16px 0;
}

@media (min-width: 520px) {
  .bank-account-links-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 900px) {
  .bank-account-links-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.bank-account-links-grid a {
  display: block;
  padding: 12px 14px;
  border-radius: 12px;
  border: 1px solid rgba(44, 95, 78, 0.22);
  background: var(--ba-surface-light);
  color: var(--ba-link-on-light);
  font-weight: 600;
  font-size: 0.9rem;
  line-height: 1.4;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.bank-account-links-grid a:hover,
.bank-account-links-grid a:focus-visible {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(25, 35, 30, 0.1);
  color: var(--ba-accent);
}

.bank-account-table-wrap .data-table {
  min-width: 680px;
  font-size: 0.82rem;
}