.faq-list{max-width:820px;margin:0 auto;display:grid;gap:12px}
.faq-item{background:#fff;border:1px solid rgba(15,35,90,.08);border-radius:16px;padding:4px 20px;box-shadow:0 1px 2px rgba(15,35,90,.04)}
.faq-item summary{cursor:pointer;list-style:none;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 0}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary h3{margin:0;font-size:1.05rem;line-height:1.4}
.faq-item summary::after{content:"+";font-size:1.4rem;line-height:1;color:#5b6b8c;flex:none;transition:transform .2s ease}
.faq-item[open] summary::after{transform:rotate(45deg)}
.faq-item p{margin:0 0 16px;color:#3d4a66;line-height:1.6}