/* ══════════════════════════════════
   BREADCRUMB
══════════════════════════════════ */
.breadcrumb-section { margin-bottom: 0; }

/* ══════════════════════════════════
   FAQ HERO BANNER
══════════════════════════════════ */
.faq-hero {
  background: linear-gradient(135deg, #0b3d6e 0%, #1578be 55%, #d40000 100%);
  padding: 48px 0 56px;
  position: relative;
  overflow: hidden;
}
.faq-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 600px 300px at 80% 50%, rgba(255,255,255,.06), transparent),
    radial-gradient(ellipse 400px 400px at 10% 80%, rgba(212,0,0,.18), transparent);
  pointer-events: none;
}
.faq-hero::after {
  content: "?";
  position: absolute;
  right: 6%;
  top: 50%;
  transform: translateY(-50%);
  /* font-size: 200px; */
  font-weight: 900;
  color: rgba(255,255,255,.05);
  line-height: 1;
  pointer-events: none;
  user-select: none;
}
.faq-hero-inner { position: relative; z-index: 1; }
.faq-hero-kicker {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  color: rgba(255,255,255,.9);
  /* font-size: 11px; */
  font-weight: 800;
  letter-spacing: 1.4px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 30px;
  margin-bottom: 14px;
}
.faq-hero-kicker .dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  background: #ff4d4d;
  animation: pulse 1.6s infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: .5; transform: scale(1.4); }
}
.faq-hero h1 {
  /* font-size: clamp(26px, 4vw, 38px); */
  font-weight: 900;
  color: #fff;
  margin-bottom: 10px;
  line-height: 1.2;
}
.faq-hero p {
  /* font-size: 15px; */
  color: rgba(255,255,255,.78);
  max-width: 560px;
  line-height: 1.65;
  margin-bottom: 20px;
}
.faq-hero-stats {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}
.faq-stat {
  display: flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 10px;
  padding: 8px 16px;
  color: #fff;
  font-size: 13px;
  font-weight: 700;
}
.faq-stat i { color: rgba(255,255,255,.7); font-size: 13px; }

/* ══════════════════════════════════
   MAIN LAYOUT
══════════════════════════════════ */
.faq-main {
  background: #f5f6f8;
  padding: 48px 0 72px;
}

/* ══════════════════════════════════
   SEARCH BAR
══════════════════════════════════ */
.faq-search-wrap {
  position: relative;
  margin-bottom: 28px;
}
.faq-search-wrap i {
  position: absolute;
  left: 16px; top: 50%;
  transform: translateY(-50%);
  color: #1578be;
  font-size: 15px;
  pointer-events: none;
}
#faqSearch {
  width: 100%;
  padding: 13px 16px 13px 44px;
  border-radius: 12px;
  border: 1.5px solid rgba(21,120,190,.2);
  background: #fff;
  font-size: 14px;
  color: rgba(11,18,32,.8);
  box-shadow: 0 2px 12px rgba(0,0,0,.06);
  outline: none;
  transition: border-color .2s, box-shadow .2s;
}
#faqSearch:focus {
  border-color: #1578be;
  box-shadow: 0 0 0 3px rgba(21,120,190,.12);
}
#faqSearch::placeholder { color: rgba(11,18,32,.38); }

/* ══════════════════════════════════
   SECTION LABEL
══════════════════════════════════ */
.faq-section-label {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 18px;
}
.faq-section-label .label-line {
  flex: 1;
  height: 1px;
  background: rgba(11,18,32,.08);
}
.faq-section-label span {
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.3px;
  text-transform: uppercase;
  color: rgba(11,18,32,.4);
  white-space: nowrap;
}

/* ══════════════════════════════════
   ACCORDION
══════════════════════════════════ */
.faq-accordion {
  display: flex;
  flex-direction: column;
  gap: 10px;
  counter-reset: faq-counter;
}
.faq-item {
  background: #fff;
  border-radius: 14px;
  border: 1.5px solid rgba(11,18,32,.06);
  box-shadow: 0 2px 10px rgba(0,0,0,.04);
  overflow: hidden;
  transition: box-shadow .22s ease, border-color .22s ease;
}
.faq-item:hover {
  box-shadow: 0 6px 24px rgba(21,120,190,.1);
  border-color: rgba(21,120,190,.2);
}
.faq-item.open {
  border-color: rgba(21,120,190,.3);
  box-shadow: 0 8px 28px rgba(21,120,190,.12);
}

/* Question row */
.faq-question {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 16px 18px;
  cursor: pointer;
  user-select: none;
  position: relative;
}
.faq-num {
  counter-increment: faq-counter;
  width: 30px; height: 30px;
  flex: 0 0 30px;
  border-radius: 8px;
  background: rgba(21,120,190,.1);
  border: 1px solid rgba(21,120,190,.18);
  display: flex; align-items: center; justify-content: center;
  font-size: 12px;
  font-weight: 900;
  color: #1578be;
  transition: background .22s, color .22s;
}
.faq-num::before {
  content: counter(faq-counter);
}
.faq-item.open .faq-num {
  background: linear-gradient(135deg, #1578be, #d40000);
  border-color: transparent;
  color: #fff;
}
.faq-q-text {
  flex: 1;
  font-size: 14.5px;
  font-weight: 700;
  color: rgba(11,18,32,.88);
  line-height: 1.4;
  transition: color .2s;
}
.faq-item.open .faq-q-text { color: #1578be; }
.faq-toggle {
  width: 28px; height: 28px;
  flex: 0 0 28px;
  border-radius: 50%;
  background: rgba(21,120,190,.08);
  border: 1px solid rgba(21,120,190,.15);
  display: flex; align-items: center; justify-content: center;
  color: #1578be;
  font-size: 12px;
  transition: background .22s, transform .3s, color .22s;
}
.faq-item.open .faq-toggle {
  background: linear-gradient(135deg, #1578be, #d40000);
  border-color: transparent;
  color: #fff;
  transform: rotate(45deg);
}

/* Answer panel */
.faq-answer {
  display: none;
  padding: 0 18px 18px 62px;
  font-size: 17px  !important;
  color: rgba(11,18,32,.62);
  line-height: 1.75;
  animation: faqFadeIn .3s ease;
}
.faq-answer.show { display: block; }
@keyframes faqFadeIn {
  from { opacity: 0; transform: translateY(-8px); }
  to   { opacity: 1; transform: translateY(0); }
}
.faq-answer a { color: #1578be; font-weight: 600; }
.faq-answer ul, .faq-answer ol {
  padding-left: 18px;
  margin-bottom: 8px;
}
.faq-answer li { margin-bottom: 4px; }

/* No results */
.faq-no-results {
  text-align: center;
  padding: 48px 0;
  color: rgba(11,18,32,.35);
  display: none;
}
.faq-no-results i { font-size: 36px; margin-bottom: 12px; display: block; }
.faq-no-results p { font-size: 14px; margin: 0; }

/* ══════════════════════════════════
   QUICK LINKS SIDEBAR
══════════════════════════════════ */
.ql-card {
  background: #fff;
  border-radius: 16px;
  border: 1.5px solid rgba(11,18,32,.06);
  box-shadow: 0 4px 20px rgba(0,0,0,.06);
  overflow: hidden;
  position: sticky;
  top: 80px;
}
.ql-header {
  padding: 18px 20px 14px;
  background: linear-gradient(135deg, #0b3d6e, #1578be);
  position: relative;
  overflow: hidden;
}
.ql-header::after {
  content: "";
  position: absolute;
  right: -20px; top: -20px;
  width: 100px; height: 100px;
  border-radius: 50%;
  background: rgba(255,255,255,.07);
}
.ql-header h4 {
  font-size: 15px;
  font-weight: 900;
  color: #fff;
  margin: 0;
  position: relative;
  z-index: 1;
}
.ql-header p {
  font-size: 12px;
  color: rgba(255,255,255,.65);
  margin: 4px 0 0;
  position: relative;
  z-index: 1;
}
.ql-body { padding: 12px 14px; }
.ql-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 9px 10px;
  border-radius: 10px;
  text-decoration: none;
  color: rgba(11,18,32,.78);
  font-size: 13px;
  font-weight: 600;
  line-height: 1.35;
  transition: background .18s, color .18s, gap .18s;
  border-bottom: 1px solid rgba(11,18,32,.05);
}
.ql-item:last-child { border-bottom: none; }
.ql-item:hover {
  background: rgba(21,120,190,.07);
  color: #1578be;
  gap: 13px;
  text-decoration: none;
}
.ql-icon {
  width: 30px; height: 30px;
  flex: 0 0 30px;
  border-radius: 8px;
  background: rgba(21,120,190,.08);
  border: 1px solid rgba(21,120,190,.14);
  display: flex; align-items: center; justify-content: center;
  font-size: 12px;
  color: #1578be;
  transition: background .18s, color .18s;
}
.ql-item:hover .ql-icon {
  background: #1578be;
  color: #fff;
  border-color: transparent;
}
.ql-arrow {
  margin-left: auto;
  font-size: 11px;
  color: rgba(11,18,32,.25);
  transition: color .18s, transform .18s;
}
.ql-item:hover .ql-arrow {
  color: #1578be;
  transform: translateX(3px);
}

/* Contact strip at bottom of sidebar */
.ql-contact {
  margin: 8px 14px 14px;
  background: linear-gradient(135deg, rgba(21,120,190,.08), rgba(212,0,0,.06));
  border: 1px solid rgba(21,120,190,.15);
  border-radius: 12px;
  padding: 14px;
  text-align: center;
}
.ql-contact p {
  font-size: 12.5px;
  color: rgba(11,18,32,.6);
  margin-bottom: 10px;
  line-height: 1.5;
}
.ql-contact a {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 8px 18px;
  border-radius: 30px;
  background: linear-gradient(135deg, #1578be, #d40000);
  color: #fff;
  font-size: 12px;
  font-weight: 800;
  text-decoration: none;
  transition: opacity .2s, transform .2s;
}
.ql-contact a:hover { opacity: .88; transform: translateY(-1px); color: #fff; }
/* ── Hero ── */
.faq-hero h1 {
  font-size: clamp(26px, 4vw, 38px);  /* restored */
  font-weight: 900;
  color: #fff;
  margin-bottom: 10px;
  line-height: 1.2;
}
.faq-hero p {
  font-size: 15px;  /* restored */
  color: rgba(255,255,255,.78);
  max-width: 560px;
  line-height: 1.65;
  margin-bottom: 20px;
}
.faq-hero-kicker {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  color: rgba(255,255,255,.9);
  font-size: 11px;  /* restored */
  font-weight: 800;
  letter-spacing: 1.4px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 30px;
  margin-bottom: 14px;
}

/* ── Accordion question text ── */
.faq-q-text {
  flex: 1;
  font-size: 16px;  /* bumped up from 14.5px */
  font-weight: 700;
  color: rgba(11,18,32,.88);
  line-height: 1.4;
  transition: color .2s;
}

/* ── Accordion answer text ── */
.faq-answer {
  display: none;
  padding: 0 18px 18px 62px;
  font-size: 17px;  /* bumped up from 14px */
  color: rgba(11,18,32,.62);
  line-height: 1.75;
  animation: faqFadeIn .3s ease;
}

/* ── Quick links items ── */
.ql-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 9px 10px;
  border-radius: 10px;
  text-decoration: none;
  color: rgba(11,18,32,.78);
  font-size: 14px;  /* bumped up from 13px */
  font-weight: 600;
  line-height: 1.35;
  transition: background .18s, color .18s, gap .18s;
  border-bottom: 1px solid rgba(11,18,32,.05);
}

/* ── Quick links header ── */
.ql-header h4 {
  font-size: 16px;  /* bumped up from 15px */
  font-weight: 900;
  color: #fff;
  margin: 0;
  position: relative;
  z-index: 1;
}
.ql-header p {
  font-size: 13px;  /* bumped up from 12px */
  color: rgba(255,255,255,.65);
  margin: 4px 0 0;
  position: relative;
  z-index: 1;
}

/* ── Stat chips ── */
.faq-stat {
  display: flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 10px;
  padding: 8px 16px;
  color: #fff;
  font-size: 14px;  /* bumped up from 13px */
  font-weight: 700;
}

/* ── Section label ── */
.faq-section-label span {
  font-size: 12px;  /* bumped up from 11px */
  font-weight: 800;
  letter-spacing: 1.3px;
  text-transform: uppercase;
  color: rgba(11,18,32,.4);
  white-space: nowrap;
}

/* ── Contact strip ── */
.ql-contact p {
  font-size: 13.5px;  /* bumped up from 12.5px */
  color: rgba(11,18,32,.6);
  margin-bottom: 10px;
  line-height: 1.5;
}
.ql-contact a {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 8px 18px;
  border-radius: 30px;
  background: linear-gradient(135deg, #1578be, #d40000);
  color: #fff;
  font-size: 13px;  /* bumped up from 12px */
  font-weight: 800;
  text-decoration: none;
  transition: opacity .2s, transform .2s;
}

/* ── No results ── */
.faq-no-results p {
  font-size: 15px;  /* bumped up from 14px */
  margin: 0;
}

/* ── Faq hero ghost ── */
.faq-hero::after {
  font-size: 200px;  /* restored — was commented out */
}
/* ══ HERO ══ */
.faq-hero {
  background: linear-gradient(135deg, #0b3d6e 0%, #1578be 55%, #d40000 100%);
  padding: 48px 0 56px;
  position: relative;
  overflow: hidden;
}
.faq-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 600px 300px at 80% 50%, rgba(255,255,255,.06), transparent),
    radial-gradient(ellipse 400px 400px at 10% 80%, rgba(212,0,0,.18), transparent);
  pointer-events: none;
}
.faq-hero::after {
  content: "?";
  position: absolute;
  right: 6%; top: 50%;
  transform: translateY(-50%);
  font-size: 200px;
  font-weight: 900;
  color: rgba(255,255,255,.05);
  line-height: 1;
  pointer-events: none;
  user-select: none;
}
.faq-hero-inner { position: relative; z-index: 1; }
.faq-hero-kicker {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  color: rgba(255,255,255,.9);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.4px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 30px;
  margin-bottom: 14px;
}
.faq-hero-kicker .dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  background: #ff4d4d;
  animation: pulse 1.6s infinite;
}
@keyframes pulse {
  0%,100% { opacity:1; transform:scale(1); }
  50%      { opacity:.5; transform:scale(1.4); }
}
.faq-hero h1 {
  font-size: clamp(26px, 4vw, 38px);
  font-weight: 900;
  color: #fff;
  margin-bottom: 10px;
  line-height: 1.2;
}
.faq-hero p {
  font-size: 15px;
  color: rgba(255,255,255,.78);
  max-width: 560px;
  line-height: 1.65;
  margin-bottom: 20px;
}
.faq-hero-stats {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}
.faq-stat {
  display: flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 10px;
  padding: 8px 16px;
  color: #fff;
  font-size: 14px;
  font-weight: 700;
}
.faq-stat i { color: rgba(255,255,255,.7); font-size: 14px; }

/* ══ MAIN ══ */
.faq-main {
  background: #f5f6f8;
  padding: 48px 0 72px;
}

/* ══ SEARCH ══ */
.faq-search-wrap {
  position: relative;
  margin-bottom: 28px;
}
.faq-search-wrap i {
  position: absolute;
  left: 16px; top: 50%;
  transform: translateY(-50%);
  color: #1578be;
  font-size: 15px;
  pointer-events: none;
}
#faqSearch {
  width: 100%;
  padding: 13px 16px 13px 44px;
  border-radius: 12px;
  border: 1.5px solid rgba(21,120,190,.2);
  background: #fff;
  font-size: 1.1rem;
  color: rgba(11,18,32,.8);
  box-shadow: 0 2px 12px rgba(0,0,0,.06);
  outline: none;
  transition: border-color .2s, box-shadow .2s;
}
#faqSearch:focus {
  border-color: #1578be;
  box-shadow: 0 0 0 3px rgba(21,120,190,.12);
}
#faqSearch::placeholder { color: rgba(11,18,32,.38); }

/* ══ DIVIDER LABEL ══ */
.faq-section-label {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 18px;
}
.faq-section-label .label-line {
  flex: 1; height: 1px;
  background: rgba(11,18,32,.08);
}
.faq-section-label span {
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 1.3px;
  text-transform: uppercase;
  color: rgba(11,18,32,.4);
  white-space: nowrap;
}

/* ══ ACCORDION ══ */
.faq-accordion {
  display: flex;
  flex-direction: column;
  gap: 10px;
  counter-reset: faq-counter;
}
.faq-item {
  background: #fff;
  border-radius: 14px;
  border: 1.5px solid rgba(11,18,32,.06);
  box-shadow: 0 2px 10px rgba(0,0,0,.04);
  overflow: hidden;
  transition: box-shadow .22s ease, border-color .22s ease;
}
.faq-item:hover {
  box-shadow: 0 6px 24px rgba(21,120,190,.1);
  border-color: rgba(21,120,190,.2);
}
.faq-item.open {
  border-color: rgba(21,120,190,.3);
  box-shadow: 0 8px 28px rgba(21,120,190,.12);
}
.faq-question {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 18px 20px;
  cursor: pointer;
  user-select: none;
}
.faq-num {
  counter-increment: faq-counter;
  width: 34px; height: 34px;
  flex: 0 0 34px;
  border-radius: 9px;
  background: rgba(21,120,190,.1);
  border: 1px solid rgba(21,120,190,.18);
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
  font-weight: 900;
  color: #1578be;
  transition: background .22s, color .22s, border-color .22s;
}
.faq-num::before { content: counter(faq-counter, decimal-leading-zero); }
.faq-item.open .faq-num {
  background: linear-gradient(135deg, #1578be, #d40000);
  border-color: transparent;
  color: #fff;
}
.faq-q-text {
  flex: 1;
  font-size: 1.2rem;
  font-weight: 700;
  color: rgba(11,18,32,.88);
  line-height: 1.4;
  transition: color .2s;
}
.faq-item.open .faq-q-text { color: #1578be; }
.faq-toggle {
  width: 30px; height: 30px;
  flex: 0 0 30px;
  border-radius: 50%;
  background: rgba(21,120,190,.08);
  border: 1px solid rgba(21,120,190,.15);
  display: flex; align-items: center; justify-content: center;
  color: #1578be;
  font-size: 13px;
  transition: background .22s, transform .3s, color .22s, border-color .22s;
}
.faq-item.open .faq-toggle {
  background: linear-gradient(135deg, #1578be, #d40000);
  border-color: transparent;
  color: #fff;
  transform: rotate(45deg);
}
.faq-answer {
  display: none;
  padding: 0 20px 20px 68px;
  font-size: 1.1rem;
  color: rgba(11,18,32,.62);
  line-height: 1.75;
  animation: faqFadeIn .3s ease;
}
.faq-answer.show { display: block; }
@keyframes faqFadeIn {
  from { opacity:0; transform:translateY(-8px); }
  to   { opacity:1; transform:translateY(0); }
}
.faq-answer a { color: #1578be; font-weight: 600; }
.faq-answer ul, .faq-answer ol {
  padding-left: 18px;
  margin-bottom: 8px;
}
.faq-answer li { margin-bottom: 5px; }

/* ══ NO RESULTS ══ */
.faq-no-results {
  text-align: center;
  padding: 48px 0;
  color: rgba(11,18,32,.35);
  display: none;
}
.faq-no-results i { font-size: 36px; margin-bottom: 12px; display: block; }
.faq-no-results p { font-size: 1.1rem; margin: 0; }

/* ══ QUICK LINKS ══ */
.ql-card {
  background: #fff;
  border-radius: 16px;
  border: 1.5px solid rgba(11,18,32,.06);
  box-shadow: 0 4px 20px rgba(0,0,0,.06);
  overflow: hidden;
  position: sticky;
  top: 80px;
}
.ql-header {
  padding: 18px 20px 14px;
  background: linear-gradient(135deg, #0b3d6e, #1578be);
  position: relative;
  overflow: hidden;
}
.ql-header::after {
  content: "";
  position: absolute;
  right: -20px; top: -20px;
  width: 100px; height: 100px;
  border-radius: 50%;
  background: rgba(255,255,255,.07);
}
.ql-header h4 {
  font-size: 16px;
  font-weight: 900;
  color: #fff;
  margin: 0;
  position: relative; z-index: 1;
}
.ql-header p {
  font-size: 13px;
  color: rgba(255,255,255,.65);
  margin: 4px 0 0;
  position: relative; z-index: 1;
}
.ql-body { padding: 12px 14px; }
.ql-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 10px;
  border-radius: 10px;
  text-decoration: none;
  color: rgba(11,18,32,.78);
  font-size: 14px;
  font-weight: 600;
  line-height: 1.35;
  transition: background .18s, color .18s, gap .18s;
  border-bottom: 1px solid rgba(11,18,32,.05);
}
.ql-item:last-child { border-bottom: none; }
.ql-item:hover {
  background: rgba(21,120,190,.07);
  color: #1578be;
  gap: 13px;
  text-decoration: none;
}
.ql-icon {
  width: 32px; height: 32px;
  flex: 0 0 32px;
  border-radius: 8px;
  background: rgba(21,120,190,.08);
  border: 1px solid rgba(21,120,190,.14);
  display: flex; align-items: center; justify-content: center;
  font-size: 13px;
  color: #1578be;
  transition: background .18s, color .18s, border-color .18s;
}
.ql-item:hover .ql-icon {
  background: #1578be;
  color: #fff;
  border-color: transparent;
}
.ql-arrow {
  margin-left: auto;
  font-size: 11px;
  color: rgba(11,18,32,.25);
  transition: color .18s, transform .18s;
}
.ql-item:hover .ql-arrow {
  color: #1578be;
  transform: translateX(3px);
}
.ql-contact {
  margin: 8px 14px 14px;
  background: linear-gradient(135deg, rgba(21,120,190,.08), rgba(212,0,0,.06));
  border: 1px solid rgba(21,120,190,.15);
  border-radius: 12px;
  padding: 14px;
  text-align: center;
}
.ql-contact p {
  font-size: 13.5px;
  color: rgba(11,18,32,.6);
  margin-bottom: 10px;
  line-height: 1.5;
}
.ql-contact a {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 8px 18px;
  border-radius: 30px;
  background: linear-gradient(135deg, #1578be, #d40000);
  color: #fff;
  font-size: 13px;
  font-weight: 800;
  text-decoration: none;
  transition: opacity .2s, transform .2s;
}
.ql-contact a:hover { opacity: .88; transform: translateY(-1px); color: #fff; }

/* ══ RESPONSIVE ══ */
@media (max-width: 768px) {
  .faq-q-text  { font-size: 1.1rem; }
  .faq-answer  { font-size: 1rem; padding: 0 16px 18px 56px; }
  .faq-num     { width: 30px; height: 30px; font-size: .9rem; }
  #faqSearch   { font-size: 1rem; }
}
/* ══ HERO ══ */
.disc-hero {
  background: linear-gradient(135deg, #0b3d6e 0%, #1578be 55%, #d40000 100%);
  padding: 48px 0 56px;
  position: relative;
  overflow: hidden;
}
.disc-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 600px 300px at 80% 50%, rgba(255,255,255,.06), transparent),
    radial-gradient(ellipse 400px 400px at 10% 80%, rgba(212,0,0,.18), transparent);
  pointer-events: none;
}
.disc-hero::after {
  content: "!";
  position: absolute;
  right: 6%; top: 50%;
  transform: translateY(-50%);
  font-size: 200px;
  font-weight: 900;
  color: rgba(255,255,255,.05);
  line-height: 1;
  pointer-events: none;
  user-select: none;
}
.disc-hero-inner { position: relative; z-index: 1; }
.disc-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  color: rgba(255,255,255,.9);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.4px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 30px;
  margin-bottom: 14px;
}
.disc-pill .dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  background: #ff4d4d;
  animation: pulse 1.6s infinite;
}
@keyframes pulse {
  0%,100% { opacity:1; transform:scale(1); }
  50%      { opacity:.5; transform:scale(1.4); }
}
.disc-hero h1 {
  font-size: clamp(26px, 4vw, 38px);
  font-weight: 900;
  color: #fff;
  margin-bottom: 10px;
  line-height: 1.2;
}
.disc-hero p {
  font-size: 15px;
  color: rgba(255,255,255,.78);
  max-width: 560px;
  line-height: 1.65;
  margin-bottom: 20px;
}
.disc-hero-chips {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}
.disc-chip {
  display: flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 10px;
  padding: 8px 16px;
  color: #fff;
  font-size: 14px;
  font-weight: 700;
}
.disc-chip i { color: rgba(255,255,255,.7); font-size: 14px; }

/* ══ MAIN ══ */
.disc-main {
  background: #f5f6f8;
  padding: 48px 0 72px;
}

/* ══ DISCLAIMER CARD ══ */
.disc-card {
  background: #fff;
  border-radius: 16px;
  border: 1.5px solid rgba(11,18,32,.06);
  box-shadow: 0 4px 20px rgba(0,0,0,.06);
  overflow: hidden;
}
.disc-card-header {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 20px 24px 18px;
  border-bottom: 1px solid rgba(11,18,32,.07);
  background: linear-gradient(135deg, rgba(21,120,190,.05), rgba(212,0,0,.03));
}
.disc-card-icon {
  width: 46px; height: 46px;
  flex: 0 0 46px;
  border-radius: 12px;
  background: linear-gradient(135deg, #1578be, #d40000);
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  font-size: 20px;
  box-shadow: 0 4px 14px rgba(21,120,190,.28);
}
.disc-card-header-text h3 {
  font-size: 1.25rem;
  font-weight: 900;
  color: rgba(11,18,32,.9);
  margin-bottom: 2px;
}
.disc-card-header-text p {
  font-size: 13px;
  color: rgba(11,18,32,.45);
  margin: 0;
}
.disc-card-body {
  padding: 28px 28px 32px;
}

/* ══ DISCLAIMER SECTIONS ══ */
.disc-sections {
  display: flex;
  flex-direction: column;
  gap: 20px;
  counter-reset: disc-counter;
}
.disc-section {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 18px 20px;
  border-radius: 12px;
  border: 1.5px solid rgba(11,18,32,.06);
  background: #fafbfc;
  transition: border-color .22s, box-shadow .22s;
}
.disc-section:hover {
  border-color: rgba(21,120,190,.2);
  box-shadow: 0 4px 18px rgba(21,120,190,.08);
}
.disc-section-num {
  counter-increment: disc-counter;
  width: 32px; height: 32px;
  flex: 0 0 32px;
  border-radius: 9px;
  background: rgba(21,120,190,.1);
  border: 1px solid rgba(21,120,190,.18);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.95rem;
  font-weight: 900;
  color: #1578be;
  margin-top: 2px;
}
.disc-section-num::before {
  content: counter(disc-counter, decimal-leading-zero);
}
.disc-section-body {}
.disc-section-title {
  font-size: 1.05rem;
  font-weight: 800;
  color: rgba(11,18,32,.85);
  margin-bottom: 6px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.disc-section-title i {
  font-size: 13px;
  color: #1578be;
  background: rgba(21,120,190,.1);
  border: 1px solid rgba(21,120,190,.18);
  width: 24px; height: 24px;
  border-radius: 6px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.disc-section-text {
  font-size: 1.05rem;
  line-height: 1.8;
  color: rgba(11,18,32,.62);
  margin: 0;
}
.disc-section-text strong {
  color: rgba(11,18,32,.82);
  font-weight: 700;
}

/* ══ NOTICE STRIP ══ */
.disc-notice {
  margin-top: 24px;
  background: linear-gradient(135deg, rgba(21,120,190,.07), rgba(212,0,0,.05));
  border: 1px solid rgba(21,120,190,.18);
  border-radius: 12px;
  padding: 16px 20px;
  display: flex;
  align-items: flex-start;
  gap: 14px;
}
.disc-notice-icon {
  width: 36px; height: 36px;
  flex: 0 0 36px;
  border-radius: 9px;
  background: rgba(21,120,190,.12);
  border: 1px solid rgba(21,120,190,.2);
  display: flex; align-items: center; justify-content: center;
  font-size: 15px;
  color: #1578be;
  margin-top: 1px;
}
.disc-notice-body p {
  font-size: 13.5px;
  color: rgba(11,18,32,.6);
  line-height: 1.6;
  margin: 0;
}
.disc-notice-body strong {
  color: rgba(11,18,32,.78);
  font-weight: 700;
}

/* ══ QUICK LINKS ══ */
.ql-card {
  background: #fff;
  border-radius: 16px;
  border: 1.5px solid rgba(11,18,32,.06);
  box-shadow: 0 4px 20px rgba(0,0,0,.06);
  overflow: hidden;
  position: sticky;
  top: 80px;
}
.ql-header {
  padding: 18px 20px 14px;
  background: linear-gradient(135deg, #0b3d6e, #1578be);
  position: relative;
  overflow: hidden;
}
.ql-header::after {
  content: "";
  position: absolute;
  right: -20px; top: -20px;
  width: 100px; height: 100px;
  border-radius: 50%;
  background: rgba(255,255,255,.07);
}
.ql-header h4 {
  font-size: 16px;
  font-weight: 900;
  color: #fff;
  margin: 0;
  position: relative; z-index: 1;
}
.ql-header p {
  font-size: 13px;
  color: rgba(255,255,255,.65);
  margin: 4px 0 0;
  position: relative; z-index: 1;
}
.ql-body { padding: 12px 14px; }
.ql-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 10px;
  border-radius: 10px;
  text-decoration: none;
  color: rgba(11,18,32,.78);
  font-size: 14px;
  font-weight: 600;
  line-height: 1.35;
  transition: background .18s, color .18s, gap .18s;
  border-bottom: 1px solid rgba(11,18,32,.05);
}
.ql-item:last-child { border-bottom: none; }
.ql-item:hover {
  background: rgba(21,120,190,.07);
  color: #1578be;
  gap: 13px;
  text-decoration: none;
}
.ql-icon {
  width: 32px; height: 32px;
  flex: 0 0 32px;
  border-radius: 8px;
  background: rgba(21,120,190,.08);
  border: 1px solid rgba(21,120,190,.14);
  display: flex; align-items: center; justify-content: center;
  font-size: 13px;
  color: #1578be;
  transition: background .18s, color .18s, border-color .18s;
}
.ql-item:hover .ql-icon {
  background: #1578be;
  color: #fff;
  border-color: transparent;
}
.ql-arrow {
  margin-left: auto;
  font-size: 11px;
  color: rgba(11,18,32,.25);
  transition: color .18s, transform .18s;
}
.ql-item:hover .ql-arrow {
  color: #1578be;
  transform: translateX(3px);
}
.ql-contact {
  margin: 8px 14px 14px;
  background: linear-gradient(135deg, rgba(21,120,190,.08), rgba(212,0,0,.06));
  border: 1px solid rgba(21,120,190,.15);
  border-radius: 12px;
  padding: 14px;
  text-align: center;
}
.ql-contact p {
  font-size: 13.5px;
  color: rgba(11,18,32,.6);
  margin-bottom: 10px;
  line-height: 1.5;
}
.ql-contact a {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 8px 18px;
  border-radius: 30px;
  background: linear-gradient(135deg, #1578be, #d40000);
  color: #fff;
  font-size: 13px;
  font-weight: 800;
  text-decoration: none;
  transition: opacity .2s, transform .2s;
}
.ql-contact a:hover { opacity: .88; transform: translateY(-1px); color: #fff; }

@media (max-width: 768px) {
  .disc-card-body { padding: 20px 16px 24px; }
  .disc-section { padding: 14px 16px; }
  .disc-section-text { font-size: 1rem; }
  .disc-section-title { font-size: 1rem; }
}

/* ══ HERO ══ */
.terms-hero {
  background: linear-gradient(135deg, #0b3d6e 0%, #1578be 55%, #d40000 100%);
  padding: 48px 0 56px;
  position: relative;
  overflow: hidden;
}
.terms-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 600px 300px at 80% 50%, rgba(255,255,255,.06), transparent),
    radial-gradient(ellipse 400px 400px at 10% 80%, rgba(212,0,0,.18), transparent);
  pointer-events: none;
}
.terms-hero::after {
  content: "§";
  position: absolute;
  right: 6%; top: 50%;
  transform: translateY(-50%);
  font-size: 200px;
  font-weight: 900;
  color: rgba(255,255,255,.05);
  line-height: 1;
  pointer-events: none;
  user-select: none;
}
.terms-hero-inner { position: relative; z-index: 1; }
.terms-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  color: rgba(255,255,255,.9);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.4px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 30px;
  margin-bottom: 14px;
}
.terms-pill .dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  background: #ff4d4d;
  animation: pulse 1.6s infinite;
}
@keyframes pulse {
  0%,100% { opacity:1; transform:scale(1); }
  50%      { opacity:.5; transform:scale(1.4); }
}
.terms-hero h1 {
  font-size: clamp(26px, 4vw, 38px);
  font-weight: 900;
  color: #fff;
  margin-bottom: 10px;
  line-height: 1.2;
}
.terms-hero p {
  font-size: 15px;
  color: rgba(255,255,255,.78);
  max-width: 560px;
  line-height: 1.65;
  margin-bottom: 20px;
}
.terms-hero-chips {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}
.terms-chip {
  display: flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 10px;
  padding: 8px 16px;
  color: #fff;
  font-size: 14px;
  font-weight: 700;
}
.terms-chip i { color: rgba(255,255,255,.7); font-size: 14px; }

/* ══ MAIN ══ */
.terms-main {
  background: #f5f6f8;
  padding: 48px 0 72px;
}

/* ══ CONTENT CARD ══ */
.terms-card {
  background: #fff;
  border-radius: 16px;
  border: 1.5px solid rgba(11,18,32,.06);
  box-shadow: 0 4px 20px rgba(0,0,0,.06);
  overflow: hidden;
  margin-bottom: 20px;
}
.terms-card-header {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 20px 24px 18px;
  border-bottom: 1px solid rgba(11,18,32,.07);
  background: linear-gradient(135deg, rgba(21,120,190,.05), rgba(212,0,0,.03));
}
.terms-card-icon {
  width: 46px; height: 46px;
  flex: 0 0 46px;
  border-radius: 12px;
  background: linear-gradient(135deg, #1578be, #d40000);
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  font-size: 20px;
  box-shadow: 0 4px 14px rgba(21,120,190,.28);
}
.terms-card-header-text h3 {
  font-size: 1.2rem;
  font-weight: 900;
  color: rgba(11,18,32,.9);
  margin-bottom: 2px;
}
.terms-card-header-text p {
  font-size: 13px;
  color: rgba(11,18,32,.45);
  margin: 0;
}

/* ══ SECTION BLOCKS ══ */
.terms-section {
  background: #fff;
  border-radius: 16px;
  border: 1.5px solid rgba(11,18,32,.06);
  box-shadow: 0 4px 20px rgba(0,0,0,.06);
  overflow: hidden;
  margin-bottom: 20px;
}
.terms-section-header {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 18px 24px;
  background: linear-gradient(135deg, rgba(21,120,190,.06), rgba(212,0,0,.03));
  border-bottom: 1px solid rgba(11,18,32,.07);
}
.terms-section-icon {
  width: 40px; height: 40px;
  flex: 0 0 40px;
  border-radius: 10px;
  background: rgba(21,120,190,.1);
  border: 1px solid rgba(21,120,190,.2);
  display: flex; align-items: center; justify-content: center;
  font-size: 17px;
  color: #1578be;
}
.terms-section-header h4 {
  font-size: 1.15rem;
  font-weight: 900;
  color: rgba(11,18,32,.88);
  margin: 0;
}

/* ══ PROSE BODY ══ */
.terms-body {
  padding: 24px 28px 28px;
  font-size: 1.05rem;
  line-height: 1.85;
  color: rgba(11,18,32,.65);
  text-align: justify;
}
.terms-body p {
  margin-bottom: 1.2rem;
}
.terms-body p:last-child { margin-bottom: 0; }
.terms-body strong {
  color: rgba(11,18,32,.82);
  font-weight: 700;
}

/* ══ NOTICE STRIP ══ */
.terms-notice {
  background: linear-gradient(135deg, rgba(21,120,190,.07), rgba(212,0,0,.05));
  border: 1px solid rgba(21,120,190,.18);
  border-radius: 12px;
  padding: 16px 20px;
  display: flex;
  align-items: flex-start;
  gap: 14px;
  margin-top: 4px;
}
.terms-notice-icon {
  width: 36px; height: 36px;
  flex: 0 0 36px;
  border-radius: 9px;
  background: rgba(21,120,190,.12);
  border: 1px solid rgba(21,120,190,.2);
  display: flex; align-items: center; justify-content: center;
  font-size: 15px;
  color: #1578be;
  margin-top: 1px;
}
.terms-notice p {
  font-size: 13.5px;
  color: rgba(11,18,32,.6);
  line-height: 1.6;
  margin: 0;
}
.terms-notice strong {
  color: rgba(11,18,32,.78);
  font-weight: 700;
}

/* ══ QUICK LINKS ══ */
.ql-card {
  background: #fff;
  border-radius: 16px;
  border: 1.5px solid rgba(11,18,32,.06);
  box-shadow: 0 4px 20px rgba(0,0,0,.06);
  overflow: hidden;
  position: sticky;
  top: 80px;
}
.ql-header {
  padding: 18px 20px 14px;
  background: linear-gradient(135deg, #0b3d6e, #1578be);
  position: relative;
  overflow: hidden;
}
.ql-header::after {
  content: "";
  position: absolute;
  right: -20px; top: -20px;
  width: 100px; height: 100px;
  border-radius: 50%;
  background: rgba(255,255,255,.07);
}
.ql-header h4 {
  font-size: 16px;
  font-weight: 900;
  color: #fff;
  margin: 0;
  position: relative; z-index: 1;
}
.ql-header p {
  font-size: 13px;
  color: rgba(255,255,255,.65);
  margin: 4px 0 0;
  position: relative; z-index: 1;
}
.ql-body { padding: 12px 14px; }
.ql-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 10px;
  border-radius: 10px;
  text-decoration: none;
  color: rgba(11,18,32,.78);
  font-size: 14px;
  font-weight: 600;
  line-height: 1.35;
  transition: background .18s, color .18s, gap .18s;
  border-bottom: 1px solid rgba(11,18,32,.05);
}
.ql-item:last-child { border-bottom: none; }
.ql-item:hover {
  background: rgba(21,120,190,.07);
  color: #1578be;
  gap: 13px;
  text-decoration: none;
}
.ql-icon {
  width: 32px; height: 32px;
  flex: 0 0 32px;
  border-radius: 8px;
  background: rgba(21,120,190,.08);
  border: 1px solid rgba(21,120,190,.14);
  display: flex; align-items: center; justify-content: center;
  font-size: 13px;
  color: #1578be;
  transition: background .18s, color .18s, border-color .18s;
}
.ql-item:hover .ql-icon {
  background: #1578be;
  color: #fff;
  border-color: transparent;
}
.ql-arrow {
  margin-left: auto;
  font-size: 11px;
  color: rgba(11,18,32,.25);
  transition: color .18s, transform .18s;
}
.ql-item:hover .ql-arrow {
  color: #1578be;
  transform: translateX(3px);
}
.ql-contact {
  margin: 8px 14px 14px;
  background: linear-gradient(135deg, rgba(21,120,190,.08), rgba(212,0,0,.06));
  border: 1px solid rgba(21,120,190,.15);
  border-radius: 12px;
  padding: 14px;
  text-align: center;
}
.ql-contact p {
  font-size: 13.5px;
  color: rgba(11,18,32,.6);
  margin-bottom: 10px;
  line-height: 1.5;
}
.ql-contact a {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 8px 18px;
  border-radius: 30px;
  background: linear-gradient(135deg, #1578be, #d40000);
  color: #fff;
  font-size: 13px;
  font-weight: 800;
  text-decoration: none;
  transition: opacity .2s, transform .2s;
}
.ql-contact a:hover { opacity: .88; transform: translateY(-1px); color: #fff; }

@media (max-width: 768px) {
  .terms-body { padding: 18px 16px 22px; font-size: 1rem; }
  .terms-section-header { padding: 14px 16px; }
  .terms-section-header h4 { font-size: 1.05rem; }
}