.faq-header {max-width:1000px; margin:25px auto 0; text-align:center; padding:10px 20px;}
  .faq-header h1 {
    font-family: var(--font-head);
    font-size: clamp(2.2rem, 1.8vw, 2.2rem);
    font-weight: 800; line-height: 1.1; 
    letter-spacing: -0.025em; margin-bottom: 16px;
  }
  .faq-header h1 em { font-style: normal; color:var(--accent); }
  
 
  /* Category jump pills */
  .faq-cat-links {
    display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 0;
  }
  .faq-cat-link {
    padding: 8px 16px; border-radius: 100px;
    background: rgba(255,255,255,0.07);
    border: 1px solid rgba(255,255,255,0.12);
    font-size: 0.82rem; font-weight: 600; color: rgba(255,255,255,0.7);
    transition: all 0.2s; white-space: nowrap;
  }
  .faq-cat-link:hover {
    background: var(--accent); color: white;
    border-color: var(--accent);
    transform: translateY(-2px);
  }
 
  /* Stats bar */
  .faq-hero-stats {
    display: flex; align-items: center; gap: 28px;
    margin-top: 40px; padding-top: 32px;
    border-top: 1px solid rgba(255,255,255,0.1);
    flex-wrap: wrap; position: relative; z-index: 1;
  }
  .faq-stat { display: flex; flex-direction: column; gap: 3px; }
  .faq-stat-num {
    font-family: var(--font-head); font-weight: 900;
    font-size: 1.6rem; color: white; line-height: 1;
  }
  .faq-stat-lbl { font-size: 0.75rem; color: rgba(255,255,255,0.4); }
  .faq-stat-div { width: 1px; height: 36px; background: rgba(255,255,255,0.12); }
 
  /* ── LAYOUT ── */
  .faq-layout {
    display: grid;
    grid-template-columns: 260px 1fr;
    gap: 40px;
    align-items: start;
  }
  
 
  /* ── SIDEBAR ── */
  .faq-sidebar { position: sticky; top: 70px;   
    background: var(--white); border: 1px solid var(--border);
    border-radius: var(--radius-lg); overflow: hidden;
  }
  .faq-sidebar-title {
    padding: 16px 20px;
    font-family: var(--font-head); font-weight: 800;
    font-size: 0.78rem; letter-spacing: 0.1em;
    text-transform: uppercase; color: var(--ink-soft);
    border-bottom: 1px solid var(--border);
  }
  .faq-sidebar-nav { padding: 8px; }
  .faq-snav-item {
    display: flex; align-items: center; gap: 10px;
    padding: 10px 12px; border-radius: 9px;
    font-size: 0.85rem; font-weight: 600; color: var(--ink-soft);
    transition: all 0.2s; cursor: pointer;
    text-decoration: none;
  }
  .faq-snav-item:hover { background: var(--surface); color: var(--ink); }
  .faq-snav-item.active { background: rgba(37,99,235,0.08); color: var(--accent); }
  .faq-snav-icon { font-size: 0.95rem; flex-shrink: 0; }
  .faq-snav-item span:nth-child(2) { flex: 1; }
  .faq-snav-count {
    background: var(--surface); color: var(--ink-soft);
    font-size: 0.7rem; font-weight: 700;
    padding: 2px 7px; border-radius: 100px; flex-shrink: 0;
  }
  .faq-snav-item.active .faq-snav-count {
    background: rgba(37,99,235,0.15); color: var(--accent);
  }
 
  /* Sidebar CTA box */
  .faq-sidebar-cta {
    margin: 8px; padding: 18px;
    background: linear-gradient(135deg, var(--accent) 0%, #1d3a8a 100%);
    border-radius: 12px; text-align: center;
  }
  .faq-sidebar-cta-icon { font-size: 1.6rem; margin-bottom: 8px; }
  .faq-sidebar-cta-title {
    font-family: var(--font-head); font-weight: 800;
    font-size: 0.9rem; color: white; margin-bottom: 6px;
  }
  .faq-sidebar-cta p { font-size: 0.78rem; color: rgba(255,255,255,0.7); line-height: 1.5; margin-bottom: 14px; }
  .faq-sidebar-cta-btn {
    width: 100%; padding: 10px; border-radius: 8px;
    background: white; color: var(--accent);
    font-family: var(--font-head); font-weight: 800;
    font-size: 0.85rem; cursor: pointer;
    transition: all 0.2s; border: none;
  }
  .faq-sidebar-cta-btn:hover { transform: translateY(-1px); box-shadow: 0 4px 12px rgba(0,0,0,0.2); }
 
  /* ── FAQ CATEGORIES ── */
  .faq-category { margin-bottom: 52px; scroll-margin-top: calc(var(--nav-h) + 24px); }
  .faq-cat-header {
    display: flex; gap: 16px; align-items: flex-start;
    margin-bottom: 24px; padding-bottom: 20px;
    border-bottom: 2px solid var(--border);
  }
  .faq-cat-icon {
    width: 52px; height: 52px; border-radius: 14px; flex-shrink: 0;
    background: rgba(37,99,235,0.08);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.4rem;
  }
  .faq-cat-title {
    font-family: var(--font-head); font-weight: 900;
    font-size: 1.4rem; color: var(--ink);
    letter-spacing: -0.02em; margin-bottom: 4px;
  }
  .faq-cat-desc { font-size: 0.88rem; color: var(--ink-soft); line-height: 1.6; }
 
  /* ── FAQ ITEMS ── */
  .faq-list { display: flex; flex-direction: column; gap: 10px; }
  .faq-list a {color:var(--accent); text-decoration:underline;}
  .faq-list a:hover {text-decoration:none;}
  .faq-item {
    border: 1.5px solid var(--border);
    border-radius: var(--radius);
    overflow: hidden; background: var(--white);
    transition: border-color 0.25s, box-shadow 0.25s;
  }
  .faq-item:hover { border-color: var(--border-dark); }
  .faq-item.open {
    border-color: var(--accent);
    box-shadow: 0 4px 20px rgba(37,99,235,0.1);
  }
  .faq-q {
    width: 100%; text-align: left;
    padding: 18px 20px;
    display: flex; justify-content: space-between; align-items: center; gap: 16px;
    background: none;
    font-family: var(--font-head); font-weight: 700;
    font-size: 0.97rem; color: var(--ink);
    transition: color 0.2s; line-height: 1.4;
  }
  .faq-item.open .faq-q { color: var(--accent); }
  .faq-chevron {
    width: 28px; height: 28px; border-radius: 8px; flex-shrink: 0;
    background: var(--surface);
    display: flex; align-items: center; justify-content: center;
    transition: all 0.3s; font-size: 0.85rem; color: var(--ink-soft);
  }
  .faq-item.open .faq-chevron {
    background: var(--accent); color: white; transform: rotate(180deg);
  }
  .faq-a { max-height: 0; overflow: hidden; transition: max-height 0.38s ease; }
  .faq-a ol, .faq-a ul {margin:15px;}
  .faq-a ul li{ list-style-type:disc;}
  .faq-a-inner {
    padding: 16px 20px 20px;
    font-size: 0.92rem; color: var(--ink-soft); line-height: 1.8;
    border-top: 1px solid var(--border);
  }
  .faq-item.open .faq-a { max-height: 600px; overflow-y:scroll; }
 
  /* ── BOTTOM CTA ── */
  .faq-bottom-cta { margin-top: 12px; }
  .faq-bottom-cta-inner {
    background: linear-gradient(135deg, var(--ink) 0%, #1a1f35 100%);
    border-radius: var(--radius-lg); padding: 48px 40px; text-align: center;
    position: relative; overflow: hidden;
  }
  .faq-bottom-cta-inner::before {
    content: ''; position: absolute; top: -40px; right: -40px;
    width: 180px; height: 180px; border-radius: 100px;
    background: rgba(37,99,235,0.12);
  }
  .faq-bottom-cta-icon { font-size: 2.5rem; margin-bottom: 14px; position: relative; z-index: 1; }
  .faq-bottom-cta-inner h3 {
    font-family: var(--font-head); font-weight: 900;
    font-size: 1.7rem; color: white; margin-bottom: 10px;
    letter-spacing: -0.02em; position: relative; z-index: 1;
  }
  .faq-bottom-cta-inner p {
    font-size: 1rem; color: rgba(255,255,255,0.6);
    max-width: 480px; margin: 0 auto; line-height: 1.7;
    position: relative; z-index: 1;
  }
 
  /* ── RESPONSIVE ── */
  @media (max-width: 1024px) {
    .faq-layout { grid-template-columns: 220px 1fr; gap: 28px; }
  }
  @media (max-width: 768px) {
    .faq-layout { grid-template-columns: 1fr; }
    .faq-sidebar { display: none; } /* sidebar hidden on mobile — cat links in hero take over */
    .faq-hero-stats { gap: 18px; }
    .faq-stat-div { display: none; }
    .faq-bottom-cta-inner { padding: 36px 24px; }
  }
  @media (max-width: 480px) {
    .faq-cat-links { gap: 8px; }
    .faq-cat-link { font-size: 0.76rem; padding: 7px 12px; }
    .faq-hero h1 { font-size: 1.9rem; }
  }