:root {
    --navy: #0a1f3c;
    --rust: #c6613f;
    --gold: #d4a843;
    --cream: #faf7f2;
    --slate: #4a5568;
    --light: #f0f4fa;
    --border: #dce4f0;
}

*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

body {
    background: var(--cream);
    font-family: 'Source Sans 3', sans-serif;
    color: var(--navy);
    min-height: 100vh;
    font-size: 20px
}

/* ── Page header ───────────────────────────── */
.page-header {
   // background: var(--navy);
    padding: 52px 24px 60px;
    text-align: center;
    position: relative;
    overflow: hidden;
}

    .page-header::before {
        content: '';
        position: absolute;
        inset: 0;
        //background: radial-gradient(ellipse 55% 80% at 15% 50%, rgba(198,97,63,.18) 0%, transparent 65%), radial-gradient(ellipse 45% 70% at 85% 50%, rgba(212,168,67,.13) 0%, transparent 65%);
    }

    .page-header h1 {
        font-family: 'Playfair Display', serif;
        font-size: clamp(2.4rem, 5vw, 3.8rem);
        font-weight: 900;
        color: #fff;
        position: relative;
        letter-spacing: -.3px;
    }

        .page-header h1 span {
            color: var(--gold);
        }

    .page-header p {
        margin-top: 10px;
        color: rgba(255,255,255,.6);
        font-size: 1.2rem;
        font-weight: 300;
        position: relative;
    }

.header-rule {
    width: 52px;
    height: 3px;
    background: var(--rust);
    margin: 16px auto 0;
    border-radius: 2px;
    position: relative;
}

/* ── FAQ wrapper ───────────────────────────── */
.faq-wrap {
    max-width: 780px;
    margin: 0 auto;
    padding: 56px 24px 80px;
}

/* ── Category chips ────────────────────────── */
.faq-filters {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 36px;
    justify-content: center;
}

.faq-filter {
    padding: 5px 16px;
    border-radius: 20px;
    font-size: 1.3rem;
    font-weight: 700;
    letter-spacing: .5px;
    text-transform: uppercase;
    cursor: pointer;
    border: 2px solid transparent;
    transition: all .2s;
    background: #fff;
    color: var(--slate);
    border-color: var(--border);
}

    .faq-filter:hover,
    .faq-filter.active {
        background: var(--navy);
        color: #fff;
        border-color: var(--navy);
    }

/* ── Accordion item ────────────────────────── */
.faq-item {
    background: #fff;
    border-radius: 12px;
    margin-bottom: 10px;
    border: 1.5px solid var(--border);
    overflow: hidden;
    transition: box-shadow .25s, border-color .25s;
}

    .faq-item:hover {
        box-shadow: 0 4px 20px rgba(10,31,60,.08);
    }

    .faq-item.open {
        border-color: var(--rust);
        box-shadow: 0 6px 28px rgba(198,97,63,.12);
    }

/* ── Question button ───────────────────────── */
.faq-q {
    width: 100%;
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 18px 22px;
    background: none;
    border: none;
    cursor: pointer;
    text-align: left;
    font-family: 'Source Sans 3', sans-serif;
}

.faq-icon-wrap {
    flex-shrink: 0;
    width: 36px;
    height: 36px;
    border-radius: 10px;
    background: var(--light);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: background .25s;
}

.faq-item.open .faq-icon-wrap {
    background: var(--rust);
}

.faq-icon-wrap svg {
    width: 17px;
    height: 17px;
    stroke: var(--slate);
    fill: none;
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
    transition: stroke .25s;
}

.faq-item.open .faq-icon-wrap svg {
    stroke: #fff;
}

.faq-q-text {
    flex: 1;
    font-size: 1.5rem;
    font-weight: 600;
    color: var(--navy);
    line-height: 1.4;
}

/* Chevron */
.faq-chevron {
    flex-shrink: 0;
    width: 20px;
    height: 20px;
    stroke: var(--slate);
    fill: none;
    stroke-width: 2.5;
    stroke-linecap: round;
    transition: transform .3s ease, stroke .25s;
}

.faq-item.open .faq-chevron {
    transform: rotate(180deg);
    stroke: var(--rust);
}

/* ── Answer panel ──────────────────────────── */
.faq-body {
    display: grid;
    grid-template-rows: 0fr;
    transition: grid-template-rows .32s ease;
}

.faq-item.open .faq-body {
    grid-template-rows: 1fr;
}

.faq-body-inner {
    overflow: hidden;
}

.faq-a {
    padding: 0 22px 20px 72px;
    font-size: 1.8rem;
    line-height: 1.7;
    color: var(--slate);
    border-top: 1px solid var(--border);
    padding-top: 16px;
}

/* ── Category badge on each item ──────────── */
.faq-cat-badge {
    display: inline-block;
    font-size: .85rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: .7px;
    padding: 2px 9px;
    border-radius: 20px;
    margin-bottom: 8px;
    color: #fff;
}

/* Category colors */
.cat-timing .faq-cat-badge {
    background: #2563ab;
}

.cat-process .faq-cat-badge {
    background: #059669;
}

.cat-fees .faq-cat-badge {
    background: var(--rust);
}

.cat-risk .faq-cat-badge {
    background: #7c3aed;
}

.cat-bpp .faq-cat-badge {
    background: #b45309;
}

.cat-servicearea .faq-cat-badge {
    background: #059669;
}

/* tint open card body by category */
.cat-timing.open {
    border-color: #2563ab;
    box-shadow: 0 6px 28px rgba(37,99,171,.1);
}

.cat-process.open {
    border-color: #059669;
    box-shadow: 0 6px 28px rgba(5,150,105,.1);
}

.cat-fees.open {
    border-color: var(--rust);
}

.cat-risk.open {
    border-color: #7c3aed;
    box-shadow: 0 6px 28px rgba(124,58,237,.1);
}

.cat-bpp.open {
    border-color: #b45309;
    box-shadow: 0 6px 28px rgba(180,83,9,.1);
}

.cat-servicearea.open {
    border-color: #059669;
    box-shadow: 0 6px 28px rgba(5,150,105,.1);
}

.cat-timing.open .faq-icon-wrap {
    background: #2563ab;
}

.cat-process.open .faq-icon-wrap {
    background: #059669;
}

.cat-fees.open .faq-icon-wrap {
    background: var(--rust);
}

.cat-risk.open .faq-icon-wrap {
    background: #7c3aed;
}

.cat-bpp.open .faq-icon-wrap {
    background: #b45309;
}

.cat-servicearea.open .faq-icon-wrap {
    background: #059669;
}

.cat-timing.open .faq-chevron {
    stroke: #2563ab;
}

.cat-process.open .faq-chevron {
    stroke: #059669;
}

.cat-fees.open .faq-chevron {
    stroke: var(--rust);
}

.cat-risk.open .faq-chevron {
    stroke: #7c3aed;
}

.cat-bpp.open .faq-chevron {
    stroke: #b45309;
}

.cat-servicearea.open .faq-chevron {
    stroke: #059669;
}

/* ── Expand all toggle ─────────────────────── */
.faq-toolbar {
    display: flex;
    justify-content: flex-end;
    margin-bottom: 16px;
}

.btn-expand-all {
    background: none;
    border: 1.5px solid var(--border);
    border-radius: 8px;
    padding: 6px 14px;
    font-size: 1rem;
    font-weight: 600;
    color: var(--slate);
    cursor: pointer;
    transition: all .2s;
    font-family: 'Source Sans 3', sans-serif;
}

    .btn-expand-all:hover {
        background: var(--navy);
        color: #fff;
        border-color: var(--navy);
    }

/* ── Hide filtered items ───────────────────── */
.faq-item.hidden {
    display: none;
}

/* ── Fade-in on load ───────────────────────── */
.faq-item {
    opacity: 0;
    animation: fadeUp .4s ease forwards;
}

    .faq-item:nth-child(1) {
        animation-delay: .04s
    }

    .faq-item:nth-child(2) {
        animation-delay: .08s
    }

    .faq-item:nth-child(3) {
        animation-delay: .12s
    }

    .faq-item:nth-child(4) {
        animation-delay: .16s
    }

    .faq-item:nth-child(5) {
        animation-delay: .20s
    }

    .faq-item:nth-child(6) {
        animation-delay: .24s
    }

    .faq-item:nth-child(7) {
        animation-delay: .28s
    }

    .faq-item:nth-child(8) {
        animation-delay: .32s
    }

    .faq-item:nth-child(9) {
        animation-delay: .36s
    }

@keyframes fadeUp {
    from {
        opacity: 0;
        transform: translateY(14px);
    }

    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@media (max-width: 540px) {
    .faq-a {
        padding-left: 22px;
    }
}