.panel{display:block!important;background:linear-gradient(180deg,rgba(255,255,255,.96),rgba(248,251,255,.94))!important;border:1px solid #e2eaf2!important;border-radius:22px!important;padding:28px 28px 24px!important;box-shadow:0 12px 28px rgba(148,163,184,.1)!important;position:relative!important;overflow:hidden!important}
.panel::before{content:""!important;position:absolute!important;inset:0 0 auto 0!important;height:5px!important;pointer-events:none!important;background:linear-gradient(90deg,#64b5f6 0%,#81c784 35%,#ffb74d 68%,#e57373 100%)!important}
.faq-item{background:#fff;border:1px solid #e2eaf2;border-radius:14px;margin:12px 0;overflow:hidden;box-shadow:0 4px 12px rgba(148,163,184,.06)}
.faq-q{padding:16px 20px;font-size:15px;font-weight:800;color:#1f3552;cursor:pointer;display:flex;align-items:center;gap:12px;transition:.2s}
.faq-q:hover{background:#f8fbff}
.faq-q::before{content:"Q";display:inline-flex;align-items:center;justify-content:center;width:28px;height:28px;border-radius:50%;background:linear-gradient(135deg,#4a8cc7,#64b5f6);color:#fff;font-size:13px;font-weight:800;flex-shrink:0}
.faq-q::after{content:"▼";margin-left:auto;font-size:10px;color:#90a4ae;transition:.3s}
.faq-q.open::after{transform:rotate(180deg)}
.faq-a{display:none;padding:0 20px 16px 60px;font-size:14px;color:#33475d;line-height:1.9}
.faq-a.show{display:block}
.faq-a b{color:#1565c0}