/* =============================================
   FAQ Hero
   ============================================= */
.faq-hero {
  position: relative;
  padding: 72px 0 64px;
  overflow: hidden;
}
.faq-hero-bg {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, #003A96 0%, #001D4B 100%);
}
.faq-hero-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='200' height='200'%3E%3Cdefs%3E%3Cstyle%3Eline%7Bstroke:rgba(255,255,255,0.12);stroke-width:1%7D circle%7Bfill:rgba(255,255,255,0.10);stroke:rgba(255,255,255,0.18);stroke-width:1%7D polygon%7Bfill:none;stroke:rgba(255,255,255,0.08);stroke-width:1%7D%3C/style%3E%3C/defs%3E%3Cpolygon points='100,10 155,40 155,100 100,130 45,100 45,40'/%3E%3Cpolygon points='0,70 45,40 45,100 0,130'/%3E%3Cpolygon points='155,40 200,10 200,70 155,100'/%3E%3Cpolygon points='100,130 155,100 155,160 100,190 45,160 45,100'/%3E%3Cpolygon points='0,130 45,100 45,160 0,190'/%3E%3Cpolygon points='155,100 200,70 200,130 155,160'/%3E%3Ccircle cx='100' cy='10' r='3'/%3E%3Ccircle cx='155' cy='40' r='3'/%3E%3Ccircle cx='155' cy='100' r='3'/%3E%3Ccircle cx='100' cy='130' r='3'/%3E%3Ccircle cx='45' cy='100' r='3'/%3E%3Ccircle cx='45' cy='40' r='3'/%3E%3Ccircle cx='100' cy='70' r='4'/%3E%3Cline x1='100' y1='10' x2='100' y2='70'/%3E%3Cline x1='155' y1='40' x2='100' y2='70'/%3E%3Cline x1='155' y1='100' x2='100' y2='70'/%3E%3Cline x1='100' y1='130' x2='100' y2='70'/%3E%3Cline x1='45' y1='100' x2='100' y2='70'/%3E%3Cline x1='45' y1='40' x2='100' y2='70'/%3E%3C/svg%3E");
  background-size: 400px 400px;
  opacity: 0.25;
}
.faq-hero-title {
  position: relative;
  font-size: clamp(28px, 5vw, 42px);
  font-weight: 600;
  color: #fff;
  margin: 0;
  letter-spacing: -.3px;
}

/* =============================================
   Trust Bar
   ============================================= */
.faq-trust-bar {
  background: linear-gradient(135deg, #003A96 0%, #001D4B 100%);
  padding: 36px 0;
  position: relative;
  overflow: hidden;
}
.faq-trust-bar::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='200' height='200'%3E%3Cdefs%3E%3Cstyle%3Eline%7Bstroke:rgba(255,255,255,0.12);stroke-width:1%7D circle%7Bfill:rgba(255,255,255,0.10);stroke:rgba(255,255,255,0.18);stroke-width:1%7D polygon%7Bfill:none;stroke:rgba(255,255,255,0.08);stroke-width:1%7D%3C/style%3E%3C/defs%3E%3Cpolygon points='100,10 155,40 155,100 100,130 45,100 45,40'/%3E%3Cpolygon points='0,70 45,40 45,100 0,130'/%3E%3Cpolygon points='155,40 200,10 200,70 155,100'/%3E%3Cpolygon points='100,130 155,100 155,160 100,190 45,160 45,100'/%3E%3Cpolygon points='0,130 45,100 45,160 0,190'/%3E%3Cpolygon points='155,100 200,70 200,130 155,160'/%3E%3Ccircle cx='100' cy='10' r='3'/%3E%3Ccircle cx='155' cy='40' r='3'/%3E%3Ccircle cx='155' cy='100' r='3'/%3E%3Ccircle cx='100' cy='130' r='3'/%3E%3Ccircle cx='45' cy='100' r='3'/%3E%3Ccircle cx='45' cy='40' r='3'/%3E%3Ccircle cx='100' cy='70' r='4'/%3E%3Cline x1='100' y1='10' x2='100' y2='70'/%3E%3Cline x1='155' y1='40' x2='100' y2='70'/%3E%3Cline x1='155' y1='100' x2='100' y2='70'/%3E%3Cline x1='100' y1='130' x2='100' y2='70'/%3E%3Cline x1='45' y1='100' x2='100' y2='70'/%3E%3Cline x1='45' y1='40' x2='100' y2='70'/%3E%3C/svg%3E");
  background-size: 400px 400px;
  pointer-events: none;
  opacity: 0.25;
}
.faq-trust-bar .container { position: relative; }
.faq-trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.faq-trust-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  color: rgba(255,255,255,0.9);
  font-size: 14px;
  line-height: 1.6;
}
.faq-trust-item i {
  font-size: 28px;
  color: #3AC0E2;
  flex-shrink: 0;
  margin-top: 2px;
}

/* =============================================
   Satisfaction Box
   ============================================= */
.faq-satisfaction {
  padding: 48px 0 24px;
}
.faq-satisfaction-box {
  background: #eef0f8;
  border-radius: 16px;
  padding: 40px 48px;
  text-align: center;
}
.faq-satisfaction-box h2 {
  font-size: 34px;
  font-weight: 700;
  color: #003A96;
  margin-bottom: 16px;
}
.faq-satisfaction-box p {
  font-size: 18px;
  color: #333;
  line-height: 1.7;
  margin-bottom: 10px;
}
.faq-satisfaction-box p:last-child { margin-bottom: 0; }

/* =============================================
   FAQ Main
   ============================================= */
.faq-main {
  padding: 24px 0 72px;
}
.faq-intro {
  font-size: 15px;
  color: #444;
  line-height: 1.7;
  margin-bottom: 12px;
}
.faq-intro a {
  color: #003A96;
  text-decoration: none;
}
.faq-intro a:hover { text-decoration: underline; }
.faq-policy {
  margin-bottom: 48px;
}
.faq-policy strong {
  color: #003A96;
}

/* =============================================
   Accordion
   ============================================= */
.faq-accordion {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.faq-item {
  border-radius: 50px;
  overflow: hidden;
  transition: border-radius .2s;
}
.faq-item.open {
  border-radius: 20px;
}
.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  gap: 14px;
  background: #003A96;
  color: #fff;
  border: none;
  padding: 16px 24px;
  font-size: 15px;
  font-weight: 500;
  font-family: inherit;
  cursor: pointer;
  text-align: left;
  transition: background .2s;
}
.faq-question:hover {
  background: #001D4B;
}
.faq-item.open .faq-question {
  background: #001D4B;
  border-radius: 20px 20px 0 0;
}
.faq-icon {
  font-size: 18px;
  flex-shrink: 0;
  transition: transform .25s;
}
.faq-item.open .faq-icon::before {
  content: '\f146';
}
.faq-answer {
  max-height: 0;
  overflow: hidden;
  background: #f4f5fb;
  transition: max-height .3s ease, padding .3s ease;
  padding: 0 24px;
  border-radius: 0 0 20px 20px;
}
.faq-item.open .faq-answer {
  max-height: 400px;
  padding: 20px 24px 24px;
}
.faq-answer p {
  font-size: 14px;
  color: #444;
  line-height: 1.75;
  margin: 0;
}
.faq-answer a {
  color: #003A96;
  text-decoration: none;
  font-weight: 700;
}
.faq-answer a:hover { text-decoration: underline; }

/* =============================================
   Responsive
   ============================================= */
@media (max-width: 760px) {
  .faq-trust-grid { grid-template-columns: 1fr; gap: 20px; }
  .faq-satisfaction-box { padding: 28px 20px; }
  .faq-question { font-size: 14px; padding: 14px 18px; }
}