.faq-contacts{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));grid-gap:1rem;gap:1rem;margin-bottom:2rem}.faq-contact-card{background:#ffffff;border:1px solid #dde3ea;border-left:4px solid #981c25;border-radius:10px;padding:1rem 1.25rem;box-shadow:0 2px 8px rgba(14,54,101,.08)}.faq-contact-card h3{margin:0 0 .3rem;font-size:15px;font-weight:700;color:#0e3665}.faq-contact-card p{margin:0;font-size:14px;color:#525f6e;line-height:1.5}.faq-contact-card a{color:#981c25;font-weight:600;text-decoration:none}.faq-contact-card a:hover{text-decoration:underline}.faq-category{margin-bottom:2rem}.faq-category h2{font-size:26px;font-weight:700;color:#0e3665;margin:0 0 1rem;padding-bottom:.5rem;border-bottom:2px solid #e3e8ef}.faq-item{background:#ffffff;border:1px solid #dde3ea;border-radius:10px;margin-bottom:.75rem;box-shadow:0 1px 5px rgba(14,54,101,.06);overflow:hidden}.faq-item[open]{border-color:#b9c6d6;box-shadow:0 3px 12px rgba(14,54,101,.1)}.faq-item summary{display:flex;align-items:center;justify-content:space-between;gap:1rem;cursor:pointer;list-style:none;padding:1rem 1.25rem;font-size:17px;font-weight:600;color:#0e3665;line-height:1.4}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";flex-shrink:0;width:26px;height:26px;display:flex;align-items:center;justify-content:center;border-radius:50%;background:rgba(152,28,37,.08);color:#981c25;font-size:19px;font-weight:700;transition:transform .2s ease}.faq-item[open] summary:after{content:"\2212";transform:rotate(180deg)}.faq-item summary:hover{background:#f8f9fa}.faq-answer{padding:0 1.25rem 1.25rem;color:#3d4a58;font-size:15px;line-height:1.7}.faq-answer p{margin:0 0 .75rem}.faq-answer p:last-child{margin-bottom:0}.faq-answer h4{margin:1rem 0 .4rem;font-size:15px;font-weight:700;color:#0e3665}.faq-answer ol,.faq-answer ul{margin:0 0 .75rem;padding-left:1.4rem}.faq-answer li{margin-bottom:.4rem}.faq-answer a{color:#981c25;font-weight:600}.faq-answer strong{color:#0e3665}.faq-note{background:#f4f7fa;border-left:4px solid #0e3665;border-radius:6px;padding:.75rem 1rem;margin:.75rem 0;font-size:14px}@media (max-width:576px){.faq-item summary{font-size:15px;padding:.85rem 1rem}.faq-answer{padding:0 1rem 1rem;font-size:14px}.faq-category h2{font-size:22px}}