:root {
  --color-light-blue: #e1eaf0;
  --color-mid-blue: #a9c8d0;
  --color-navy: #162f56;
  --color-black: #000000;
  --color-cream: #fff9ef;
  --color-yellow: #eebf34;
  --color-white: #ffffff;
  --color-light-grey: #f4f6f8;
  --color-green: #7ab42a;
  --color-grey: #6b7280;
  --color-navy-muted: #aab8d0;
  --color-navy-soft: #3d4f6e;
  --color-cream-border: #e6dfc8;
}

/* ── Top panel ────────────────────────────────────────────── */
.ug-top-panel {
  background: var(--color-light-blue);
  padding: 56px 0 64px;
}

.ug-top-head {
  max-width: 680px;
  margin-bottom: 36px;
}

.ug-eyebrow {
  font-size: 11px;
  letter-spacing: 0.18em;
  font-weight: 600;
  text-transform: uppercase;
  color: var(--color-navy);
  opacity: 0.7;
  margin-bottom: 14px;
}

.ug-h1 {
  font-size: clamp(36px, 5vw, 60px);
  font-weight: 300;
  margin: 0;
  letter-spacing: -0.035em;
  line-height: 0.95;
  color: var(--color-navy);
}

.ug-lead {
  font-size: 16px;
  color: var(--color-navy-soft);
  margin: 18px 0 0;
  max-width: 580px;
  line-height: 1.55;
}

/* ── Info blocks ──────────────────────────────────────────── */
.ug-info-block {
  background: var(--color-white);
  padding: 36px 40px;
}

.ug-info-kicker {
  font-size: 11px;
  letter-spacing: 0.18em;
  font-weight: 600;
  text-transform: uppercase;
  color: var(--color-grey);
  margin-bottom: 10px;
}

.ug-info-title {
  font-size: 24px;
  font-weight: 600;
  margin: 0 0 18px;
  letter-spacing: -0.015em;
  color: var(--color-navy);
}

.ug-info-body {
  font-size: 14px;
  color: var(--color-navy-soft);
  line-height: 1.65;
}

.ug-info-body p {
  margin: 0 0 12px;
}

.ug-info-body a {
  color: var(--color-navy);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.ug-checklist {
  list-style: none;
  margin: 18px 0 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
  font-size: 13.5px;
}

.ug-tick {
  display: inline-block;
  width: 20px;
  color: var(--color-green);
  font-weight: 700;
}

/* ── FAQ panel ────────────────────────────────────────────── */
.ug-faq-panel {
  background: var(--color-cream);
  padding: 56px 0 64px;
}

.ug-faq-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 32px;
  gap: 24px;
  flex-wrap: wrap;
}

.ug-faq-kicker {
  font-size: 11px;
  letter-spacing: 0.18em;
  font-weight: 600;
  text-transform: uppercase;
  color: var(--color-grey);
  margin-bottom: 12px;
}

.ug-faq-h2 {
  font-size: 36px;
  font-weight: 300;
  margin: 0;
  letter-spacing: -0.025em;
  color: var(--color-navy);
}

/* ── Tabs ─────────────────────────────────────────────────── */
.ug-tabs {
  display: flex;
  border: 1.5px solid var(--color-navy);
  background: var(--color-white);
  flex-shrink: 0;
}

.ug-tab {
  background: transparent;
  border: none;
  padding: 12px 24px;
  font-size: 14px;
  font-weight: 500;
  cursor: pointer;
  color: var(--color-navy);
  border-radius: 0;
  transition: background 0.15s ease, color 0.15s ease;
}

.ug-tab-on {
  background: var(--color-navy);
  color: var(--color-white);
}

/* ── Accordion list ───────────────────────────────────────── */
.ug-faq-list {
  display: none;
  border-top: 1px solid var(--color-cream-border);
}

.ug-faq-active {
  display: block;
}

.ug-faq-item {
  border-bottom: 1px solid var(--color-cream-border);
  background: transparent;
  transition: background 0.15s ease;
}

.ug-faq-item.ug-open {
  background: var(--color-white);
}

.ug-faq-btn {
  width: 100%;
  background: transparent;
  border: none;
  padding: 22px 24px;
  display: flex;
  align-items: center;
  gap: 18px;
  cursor: pointer;
  text-align: left;
  color: var(--color-navy);
}

.ug-faq-num {
  font-size: 11px;
  font-weight: 600;
  color: var(--color-grey);
  letter-spacing: 0.1em;
  font-variant-numeric: tabular-nums;
  min-width: 24px;
  flex-shrink: 0;
}

.ug-faq-q {
  flex: 1;
  font-size: 15px;
  font-weight: 500;
  letter-spacing: -0.005em;
}

.ug-faq-icon {
  font-size: 22px;
  font-weight: 300;
  color: var(--color-navy);
  transition: transform 0.2s ease;
  line-height: 1;
  flex-shrink: 0;
}

.ug-faq-item.ug-open .ug-faq-icon {
  transform: rotate(45deg);
}

.ug-faq-answer {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows 0.35s ease;
}

.ug-faq-answer > * {
  min-height: 0;
  overflow: hidden;
}

.ug-faq-item.ug-open .ug-faq-answer {
  grid-template-rows: 1fr;
}

.ug-faq-answer p {
  margin: 0;
  padding: 0 24px 24px 66px;
  font-size: 14px;
  color: var(--color-navy-soft);
  line-height: 1.7;
  max-width: 860px;
}

.ug-faq-empty {
  padding: 32px 0;
  color: var(--color-grey);
  font-size: 14px;
}

/* ── Still stuck? strip ───────────────────────────────────── */
.ug-stuck-strip {
  margin-top: 32px;
  padding: 22px 24px;
  background: var(--color-navy);
  color: var(--color-white);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}

.ug-stuck-kicker {
  font-size: 11px;
  letter-spacing: 0.16em;
  font-weight: 600;
  text-transform: uppercase;
  color: var(--color-navy-muted);
  margin-bottom: 6px;
}

.ug-stuck-body {
  font-size: 14px;
}

.ug-stuck-body a {
  color: var(--color-white);
  text-decoration: underline;
  text-underline-offset: 3px;
}

.ug-stuck-btn {
  background: var(--color-white);
  color: var(--color-navy);
  border: none;
  padding: 12px 22px;
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  border-radius: 0;
  letter-spacing: 0.02em;
  text-decoration: none;
  white-space: nowrap;
  transition: background 0.15s ease;
}

.ug-stuck-btn:hover {
  background: var(--color-light-grey);
  color: var(--color-navy);
  text-decoration: none;
}

/* ── Responsive ───────────────────────────────────────────── */
@media (max-width: 992px) {
  .ug-faq-head {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media (max-width: 768px) {
  .ug-top-panel {
    padding: 40px 0 48px;
  }

  .ug-faq-panel {
    padding: 40px 0 48px;
  }

  .ug-info-block {
    padding: 28px 24px;
  }

  .ug-faq-answer p {
    padding: 0 16px 20px 16px;
  }

  .ug-stuck-strip {
    flex-direction: column;
    align-items: flex-start;
  }

  .ug-tabs {
    width: 100%;
  }

  .ug-tab {
    flex: 1;
    justify-content: center;
  }
}