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

        body {
            font-family: 'Inter', system-ui, -apple-system, 'Segoe UI', sans-serif;
            background: #F7F9FC;
            color: #121826;
        }

        .header {
            background: rgba(255, 255, 255, 0.96);
            backdrop-filter: blur(12px);
            border-bottom: 1px solid #E9EDF4;
            position: sticky;
            top: 0;
            z-index: 50;
        }

        .nav-container {
            max-width: 1360px;
            margin: 0 auto;
            padding: 1rem 2rem;
            display: flex;
            align-items: center;
            justify-content: space-between;
            flex-wrap: wrap;
        }

        .logo {
            font-size: 1.9rem;
            font-weight: 800;
            background: linear-gradient(110deg, #1F2B4E, #2666C9);
            background-clip: text;
            -webkit-background-clip: text;
            color: transparent;
            letter-spacing: -0.02em;
        }

        .nav-links {
            display: flex;
            gap: 2rem;
        }

        .nav-links a {
            text-decoration: none;
            font-weight: 500;
            color: #2D3A5E;
            transition: 0.2s;
        }

        .nav-links a.active, .nav-links a:hover {
            color: #2666C9;
        }

        .faq-header {
            background: linear-gradient(125deg, #0F172A 0%, #1E2A4A 100%);
            padding: 3rem 2rem;
            text-align: center;
            margin-bottom: 2rem;
        }

        .faq-header h1 {
            font-size: 2.8rem;
            font-weight: 800;
            color: white;
            letter-spacing: -0.02em;
        }

        .faq-header p {
            color: #A0B3D9;
            margin-top: 0.8rem;
            font-size: 1.1rem;
        }

        .search-container {
            max-width: 560px;
            margin: 1.5rem auto 0;
            position: relative;
        }

        .search-container input {
            width: 100%;
            padding: 1rem 1.5rem;
            border-radius: 60px;
            border: none;
            font-size: 1rem;
            background: white;
            box-shadow: 0 8px 20px rgba(0,0,0,0.1);
            outline: none;
        }

        .faq-grid {
            max-width: 1280px;
            margin: 2rem auto 4rem;
            padding: 0 2rem;
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
            gap: 2rem;
        }

        .faq-category-card {
            background: white;
            border-radius: 1.8rem;
            overflow: hidden;
            box-shadow: 0 8px 24px rgba(0,0,0,0.04);
            transition: all 0.25s;
            border: 1px solid #EDF2F7;
        }

        .faq-category-card:hover {
            transform: translateY(-4px);
            box-shadow: 0 20px 32px -12px rgba(0,0,0,0.1);
        }

        .category-head {
            background: #F8FAFE;
            padding: 1.2rem 1.5rem;
            border-bottom: 1px solid #EFF3F8;
            font-weight: 700;
            font-size: 1.2rem;
            display: flex;
            align-items: center;
            gap: 0.6rem;
        }

        .faq-list {
            padding: 0.5rem 0;
        }

        .faq-item-new {
            border-bottom: 1px solid #F0F4FC;
        }

        .faq-question-new {
            padding: 1rem 1.5rem;
            display: flex;
            justify-content: space-between;
            align-items: center;
            cursor: pointer;
            font-weight: 500;
            color: #1F2B4E;
            transition: background 0.2s;
        }

        .faq-question-new:hover {
            background: #F9FBFE;
        }

        .indicator-new {
            font-size: 1.2rem;
            color: #2666C9;
            transition: transform 0.2s;
        }

        .faq-answer-new {
            max-height: 0;
            overflow: hidden;
            transition: max-height 0.3s ease;
            background: #FAFCFE;
            padding: 0 1.5rem;
        }

        .faq-answer-new.active {
            max-height: 300px;
            padding: 0 1.5rem 1.2rem 1.5rem;
        }

        .faq-answer-new p {
            color: #4B5A77;
            line-height: 1.6;
        }

        .contact-banner {
            background: linear-gradient(105deg, #EFF4FF, #FFFFFF);
            border-radius: 2rem;
            max-width: 1100px;
            margin: 2rem auto 4rem;
            padding: 2rem;
            text-align: center;
            border: 1px solid #E0EAFA;
        }

        .btn-faq {
            background: #2666C9;
            color: white;
            border: none;
            padding: 0.7rem 1.8rem;
            border-radius: 40px;
            font-weight: 600;
            text-decoration: none;
            display: inline-block;
            margin-top: 1rem;
        }

        .footer {
            background: #F9F9FE;
            border-top: 1px solid #E9EDF4;
            margin-top: 2rem;
        }

        .footer-container {
            max-width: 1280px;
            margin: 0 auto;
            padding: 3rem 2rem 2rem;
            display: flex;
            flex-wrap: wrap;
            justify-content: space-between;
        }

        .footer-col a {
            display: block;
            color: #5C6885;
            text-decoration: none;
            margin-bottom: 0.5rem;
            font-size: 0.9rem;
        }

        .copyright {
            text-align: center;
            padding: 1.5rem;
            font-size: 0.8rem;
            color: #6C7A95;
            border-top: 1px solid #E9EDF4;
        }

        @media (max-width: 760px) {
            .faq-header h1 { font-size: 2rem; }
            .faq-grid { grid-template-columns: 1fr; }
        }