:root {
      --hbs-navy:    #0d1f4c;
      --hbs-accent:  #01254c;
      --hbs-light-bg:#f4f7fe;
      --hbs-white:   #ffffff;
      --hbs-muted:   #64748b;
      --hbs-border:  #dde4f0;
      --hbs-radius:  12px;
    }

    /* ── HEADER ── */
    .hbs-faq-hero {
      text-align: center;
      padding: 72px 24px 56px;
    }
    .hbs-faq-hero .hbs-badge {
      display: inline-block;
      font-size: .72rem;
      font-weight: 600;
      letter-spacing: .14em;
      text-transform: uppercase;
      color: var(--hbs-accent);
      border: 1.5px solid var(--hbs-accent);
      border-radius: 20px;
      padding: 4px 16px;
      margin-bottom: 20px;
    }
    .hbs-faq-hero h1 {
      font-family: 'Playfair Display', serif;
      font-size: clamp(2rem, 5vw, 3.2rem);
      font-weight: 700;
      color: var(--hbs-navy);
      line-height: 1.15;
      margin-bottom: 10px;
    }
    .hbs-faq-hero .hbs-underline-bar {
      width: 52px; height: 4px;
      background: var(--hbs-accent);
      border-radius: 4px;
      margin: 0 auto 22px;
    }
    .hbs-faq-hero p {
      font-size: 1rem;
      color: var(--hbs-muted);
      max-width: 520px;
      margin: 0 auto;
      line-height: 1.7;
    }

    /* ── GRID ── */
    .hbs-faq-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 16px;
      max-width: 1100px;
      margin: 0 auto;
      padding: 0 24px;
      align-items: start;
    }
    @media (max-width: 768px) {
      .hbs-faq-grid { grid-template-columns: 1fr; }
    }

    /* ── ACCORDION ITEM ── */
    .hbs-faq-item {
      background: var(--hbs-white);
      border: 1.5px solid var(--hbs-border);
      border-radius: var(--hbs-radius);
      overflow: hidden;
      transition: box-shadow .25s, border-color .25s;
    }
    .hbs-faq-item:hover { box-shadow: 0 4px 24px rgba(13,31,76,.08); }
    .hbs-faq-item.hbs-open { border-color: var(--hbs-accent); box-shadow: 0 6px 30px rgba(1,37,76,.12); }

    /* ── HEADER BUTTON ── */
    .hbs-faq-btn {
      width: 100%;
      display: flex;
      align-items: center;
      gap: 14px;
      padding: 18px 20px;
      background: none;
      border: none;
      cursor: pointer;
      text-align: left;
      transition: background .2s;
      font-family: 'DM Sans', sans-serif;
    }
    .hbs-faq-item.hbs-open .hbs-faq-btn { background: #eef2f8; }

    /* ── ICON CIRCLE ── */
    .hbs-faq-icon {
      flex-shrink: 0;
      width: 28px; height: 28px;
      border-radius: 50%;
      border: 2px solid var(--hbs-accent);
      position: relative;
      transition: background .25s;
    }
    .hbs-faq-icon::before,
    .hbs-faq-icon::after {
      content: '';
      position: absolute;
      top: 50%; left: 50%;
      background: var(--hbs-accent);
      border-radius: 2px;
      transition: transform .3s, opacity .25s, background .25s;
    }
    .hbs-faq-icon::before { width: 12px; height: 2px;  transform: translate(-50%, -50%); }
    .hbs-faq-icon::after  { width: 2px;  height: 12px; transform: translate(-50%, -50%); }

    .hbs-faq-item.hbs-open .hbs-faq-icon           { background: var(--hbs-accent); }
    .hbs-faq-item.hbs-open .hbs-faq-icon::before   { background: #fff; }
    .hbs-faq-item.hbs-open .hbs-faq-icon::after    { background: #fff; opacity: 0; transform: translate(-50%, -50%) rotate(90deg); }

    /* ── QUESTION TEXT ── */
    .hbs-faq-question {
      font-size: .93rem;
      font-weight: 600;
      color: var(--hbs-navy);
      line-height: 1.45;
      flex: 1;
    }

    /* ── ANSWER PANEL ── */
    .hbs-faq-answer {
      max-height: 0;
      overflow: hidden;
      transition: max-height .4s cubic-bezier(.4,0,.2,1);
    }
    .hbs-faq-item.hbs-open .hbs-faq-answer { max-height: 600px; }

    .hbs-faq-answer-inner {
      padding: 0 20px 20px 62px;
      font-size: .9rem;
      color: var(--hbs-muted);
      line-height: 1.75;
    }

    /* ── CTA BANNER ── */
    .hbs-faq-cta {
      max-width: 1100px;
      margin: 40px auto 64px;
      padding: 0 24px;
    }
    .hbs-faq-cta-inner {
      background: var(--hbs-white);
      border: 1.5px solid var(--hbs-border);
      border-radius: var(--hbs-radius);
      display: flex;
      align-items: center;
      gap: 20px;
      padding: 28px 32px;
      flex-wrap: wrap;
    }
    .hbs-cta-icon-wrap {
      flex-shrink: 0;
      width: 52px; height: 52px;
      border-radius: 50%;
      background: #eef2f8;
      display: flex; align-items: center; justify-content: center;
    }
    .hbs-cta-icon-wrap svg { width: 26px; height: 26px; color: var(--hbs-accent); }

    .hbs-cta-text { flex: 1; min-width: 180px; }
    .hbs-cta-text h3 { font-size: 1.05rem; font-weight: 700; color: var(--hbs-navy); margin-bottom: 4px; }
    .hbs-cta-text p  { font-size: .87rem; color: var(--hbs-muted); line-height: 1.55; }

    .hbs-cta-divider { width: 1px; height: 52px; background: var(--hbs-border); flex-shrink: 0; }
    @media (max-width: 600px) { .hbs-cta-divider { display: none; } }

    .hbs-cta-phone { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
    .hbs-cta-phone svg { width: 22px; height: 22px; color: var(--hbs-accent); }
    .hbs-cta-phone-text small  { display: block; font-size: .72rem; color: var(--hbs-muted); letter-spacing: .04em; text-transform: uppercase; }
    .hbs-cta-phone-text strong { font-size: 1.05rem; color: var(--hbs-navy); }

    .hbs-cta-btn {
      display: inline-flex; align-items: center; gap: 8px;
      background: var(--hbs-accent); color: #fff;
      font-family: 'DM Sans', sans-serif; font-size: .9rem; font-weight: 600;
      padding: 13px 28px; border-radius: 8px;
      text-decoration: none; border: none; cursor: pointer;
      transition: background .2s, transform .15s, box-shadow .2s;
      white-space: nowrap;
    }
    .hbs-cta-btn:hover { background: #03366b; transform: translateY(-1px); box-shadow: 0 6px 20px rgba(1,37,76,.3); }
    .hbs-cta-btn svg { width: 16px; height: 16px; }

    /* ── ENTRANCE ANIMATION ── */
    @keyframes hbs-fadeUp {
      from { opacity: 0; transform: translateY(20px); }
      to   { opacity: 1; transform: translateY(0); }
    }
    .hbs-faq-hero { animation: hbs-fadeUp .5s ease both; }
    .hbs-faq-item { animation: hbs-fadeUp .5s ease both; }
    .hbs-faq-item:nth-child(1) { animation-delay: .05s; }
    .hbs-faq-item:nth-child(2) { animation-delay: .10s; }
    .hbs-faq-item:nth-child(3) { animation-delay: .15s; }
    .hbs-faq-item:nth-child(4) { animation-delay: .20s; }
    .hbs-faq-item:nth-child(5) { animation-delay: .25s; }
    .hbs-faq-item:nth-child(6) { animation-delay: .30s; }
    .hbs-faq-cta { animation: hbs-fadeUp .5s .35s ease both; }