.faq-item {
    border: 1px solid #e4eaf2;
    border-radius: 8px;
    margin-bottom: 8px;
    overflow: hidden;
    transition: border-color .2s;
}

.faq-item[open] {
    border-color: #0d2b4d;
}

.faq-item summary {
    list-style: none;
    padding: 16px 18px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    cursor: pointer;
    font-size: 14px;
    font-weight: 600;
    color: #0d2b4d;
    background: #fff;
    user-select: none;
}

.faq-item summary::-webkit-details-marker {
    display: none;
}

.faq-item summary:hover {
    background: #f7f9fc;
}

.faq-item[open] summary {
    background: #f0f4f9;
}

.faq-item summary::after {
    content: '';
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: #e8eef5 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='%230d2b4d' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E") center no-repeat;
    flex-shrink: 0;
    transition: background-color .2s, transform .2s;
}

.faq-item[open] summary::after {
    background-color: #0d2b4d;
    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='white' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
    transform: rotate(180deg);
}

.faq-content {
    border-top: 1px solid #e4eaf2;
    background: #fff;
    display: grid;
    grid-template-rows: 0fr;
    transition: grid-template-rows .3s ease;
}

.faq-item[open] .faq-content {
    grid-template-rows: 1fr;
}

.faq-answer {
    overflow: hidden;
    padding: 0 18px;
    transition: padding .3s ease;
}

.faq-item[open] .faq-answer {
    padding: 14px 18px 16px;
}

.faq-answer p {
    margin: 0;
    font-size: 14px;
    color: #555;
    line-height: 1.75;
}