:root{--navy:#091729;--navy2:#0F2240;--navy3:#163058;--gold:#C8993D;--gold-l:#E0BA6A;--gold-p:#F3E4C0;--cream:#FAFAF6;--white:#FFFFFF;--text:#161B2E;--muted:#5A6175;--light:#949AAE;--border:#E2DED6;--red:#B83232;--green:#287A4A;--sh-s:0 1px 3px rgba(9,23,41,.05);--sh-m:0 4px 20px rgba(9,23,41,.08);--sh-l:0 16px 48px rgba(9,23,41,.12);--sh-g:0 4px 24px rgba(200,153,61,.22);--r-sm:8px;--r-md:14px;--r-lg:20px}.faq-section{padding:72px 0}.faq-layout{display:grid;grid-template-columns:280px 1fr;gap:48px;align-items:start}.faq-nav{position:sticky;top:90px}.faq-nav-label{font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:16px}.faq-nav a{display:flex;align-items:center;gap:10px;padding:10px 14px;border-radius:var(--r-sm);font-size:.9rem;font-weight:500;color:var(--muted);transition:all .2s;margin-bottom:4px}.faq-nav a:hover,.faq-nav a.active{background:var(--white);color:var(--navy);box-shadow:var(--sh-s)}.faq-nav a svg{flex-shrink:0;color:var(--gold);opacity:.6}.faq-nav a:hover svg,.faq-nav a.active svg{opacity:1}.faq-group{margin-bottom:48px}.faq-group-title{display:flex;align-items:center;gap:12px;font-size:1.4rem;font-weight:700;color:var(--navy);margin-bottom:20px;padding-bottom:12px;border-bottom:2px solid var(--gold);scroll-margin-top:100px}.faq-group-title svg{color:var(--gold);flex-shrink:0}.faq-group:last-child{margin-bottom:0}.faq-item{background:var(--white);border:1px solid var(--border);border-radius:var(--r-md);margin-bottom:10px;overflow:hidden;transition:all .25s}.faq-item:hover{border-color:rgb(200 153 61 / .3)}.faq-item.open{border-color:var(--gold);box-shadow:var(--sh-s)}.faq-q{display:flex;align-items:center;gap:14px;padding:20px 24px;cursor:pointer;font-size:1.02rem;font-weight:600;color:var(--text);user-select:none;transition:color .2s}.faq-q:hover{color:var(--gold)}.faq-q .icon{width:28px;height:28px;min-width:28px;border-radius:50%;background:rgb(200 153 61 / .08);display:flex;align-items:center;justify-content:center;transition:all .3s}.faq-item.open .faq-q .icon{background:var(--gold);transform:rotate(45deg)}.faq-item.open .faq-q .icon svg{color:var(--white)}.faq-q .icon svg{color:var(--gold);transition:color .3s}.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease}.faq-a-inner{padding:0 24px 22px 66px;font-size:.98rem;color:var(--muted);line-height:1.75}.faq-a-inner strong{color:var(--text);font-weight:600}.faq-a-inner ul{margin:10px 0;padding-left:20px}.faq-a-inner li{margin-bottom:6px}.contact-strip{background:var(--white);border:1px solid var(--border);border-radius:var(--r-md);padding:32px;display:flex;align-items:center;justify-content:space-between;gap:24px;margin-top:40px;flex-wrap:wrap}.contact-strip-text h3{font-size:1.25rem;font-weight:700;margin-bottom:4px}.contact-strip-text p{font-size:.95rem;color:var(--muted)}.contact-methods{display:flex;gap:16px;flex-wrap:wrap}.c-method{display:inline-flex;align-items:center;gap:8px;padding:10px 20px;border-radius:var(--r-sm);font-size:.9rem;font-weight:600;transition:all .2s}.c-method.phone{background:var(--navy);color:var(--white)}.c-method.phone:hover{background:var(--navy3)}.c-method.wa{background:#25D366;color:var(--white)}.c-method.wa:hover{background:#20BD5A}.c-method.cal{background:var(--gold);color:var(--navy)}.c-method.cal:hover{background:var(--gold-l)}@media(max-width:900px){.faq-layout{grid-template-columns:1fr;gap:0}.faq-nav{display:none}}@media(max-width:768px){.faq-section{padding:48px 0}.contact-strip{flex-direction:column;align-items:flex-start}.contact-methods{width:100%}.c-method{flex:1;justify-content:center}}@media(max-width:480px){.faq-q{padding:16px 18px;font-size:.95rem}.faq-a-inner{padding:0 18px 18px 18px}}