.faq-hero {
    padding: 9rem 2rem 4rem;
    background: var(--navy);
    color: white;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.faq-hero-inner {
    max-width: 760px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
}

.faq-hero h1 {
    font-size: clamp(2rem, 4vw, 2.8rem);
    font-weight: 900;
    letter-spacing: -0.03em;
    margin-bottom: 0.75rem;
}

.faq-hero p {
    color: rgba(255, 255, 255, 0.45);
    font-size: 1.05rem;
}

.faq-hero-orb-primary {
    width: 420px;
    height: 420px;
    background: rgba(99, 102, 241, 0.1);
    top: 8%;
    left: -12%;
    animation: orb-drift-1 24s ease-in-out infinite;
}

.faq-hero-orb-secondary {
    width: 300px;
    height: 300px;
    background: rgba(6, 182, 212, 0.08);
    bottom: 8%;
    right: -8%;
    animation: orb-drift-2 28s ease-in-out infinite;
}

.faq-content-section { padding-top: 2.5rem; }
.faq-content-section .topo-bg { opacity: 0.03; }

.faq-wrap {
    max-width: 860px;
    margin: 0 auto;
    padding: 3rem 1.5rem 4.5rem;
    position: relative;
    z-index: 1;
}

.faq-list { display: grid; gap: 0.9rem; }

.faq-item {
    border: 1px solid var(--gray-200);
    border-radius: 14px;
    background: rgba(255, 255, 255, 0.92);
    overflow: hidden;
}

.faq-btn {
    width: 100%;
    border: 0;
    text-align: left;
    background: transparent;
    padding: 1rem 1.1rem;
    font: inherit;
    font-weight: 700;
    color: var(--gray-800);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    gap: 1rem;
}

.faq-btn:hover { color: var(--primary); }
.faq-sign { color: var(--gray-400); font-size: 1.1rem; }

.faq-answer {
    display: block;
    padding: 0 1.1rem 1rem;
    color: var(--gray-600);
    line-height: 1.7;
    font-size: 0.95rem;
}

.faq-disclosures-enhanced .faq-answer { display: none; }
.faq-disclosures-enhanced .faq-item.open .faq-answer { display: block; }
.faq-item.open .faq-sign::before { content: '−'; }
.faq-sign::before { content: '+'; }