.ht-faq{--htf-side-w:31%;--htf-col-gap:44px;--htf-cta-gap:26px;--htf-stack-gap:30px;--htf-side-title-color:#13759f;--htf-side-title-gap:18px;--htf-cat-gap:24px;--htf-cat-radius:12px;--htf-cat-bg:#ffffff;--htf-cat-color:#1c2555;--htf-cat-bg-hover:#ffffff;--htf-cat-color-hover:#1c2555;--htf-cat-color-active:#ffffff;--htf-cat-icon-size:20px;--htf-cat-icon-color:#13759f;--htf-cat-icon-color-active:#ffffff;--htf-q-gap:24px;--htf-q-radius:12px;--htf-q-bg:#ffffff;--htf-q-color:#1c2555;--htf-q-bg-open:#ffffff;--htf-q-color-open:#1c2555;--htf-q-icon-size:22px;--htf-q-icon-color:#13759f;--htf-q-icon-color-open:#13759f;--htf-q-icon-rot:90deg;--htf-q-icon-turn:180deg;--htf-a-color:var(--e-global-color-text,#000000);--htf-cta-radius:12px;--htf-cta-title-color:#ffffff;--htf-cta-text-color:#ffffff;--htf-cta-btn-bg:#ffffff;--htf-cta-btn-color:#13759f;--htf-cta-btn-bg-hover:#ffffff;--htf-cta-btn-color-hover:#1c2555;--htf-cta-btn-radius:8px;display:grid;grid-template-columns:minmax(0,var(--htf-side-w)) minmax(0,1fr);grid-template-rows:auto auto 1fr;grid-template-areas:"title ." "cats  main" "cta   main";column-gap:var(--htf-col-gap);row-gap:0;align-items:start}.ht-faq__side-title{grid-area:title;min-width:0}.ht-faq__cats{grid-area:cats;min-width:0}.ht-faq__main{grid-area:main;min-width:0}.ht-faq__cta{grid-area:cta;min-width:0;align-self:start;margin-top:var(--htf-cta-gap)}.ht-faq--no-cta{grid-template-rows:auto auto;grid-template-areas:"title ." "cats  main"}.ht-faq__side-title{color:var(--htf-side-title-color);font-weight:700;font-size:17px;line-height:1.3;margin:0 0 var(--htf-side-title-gap)}.ht-faq .ht-faq__cat,.ht-faq .ht-faq__q-btn{box-shadow:none;text-shadow:none;white-space:normal;overflow-wrap:break-word}.ht-faq__cats{display:flex;flex-direction:column;gap:var(--htf-cat-gap)}.ht-faq .ht-faq__cat{display:flex;align-items:center;justify-content:space-between;gap:12px;width:100%;margin:0;padding:21px 24px;font:inherit;font-size:17px;font-weight:700;line-height:1.3;text-align:left;cursor:pointer;color:var(--htf-cat-color);background:var(--htf-cat-bg);border:1px solid #e3eaf1;border-radius:var(--htf-cat-radius);transition:background-color .22s ease,color .22s ease,border-color .22s ease,box-shadow .22s ease;-webkit-appearance:none;appearance:none}.ht-faq .ht-faq__cat:hover{color:var(--htf-cat-color-hover);background:var(--htf-cat-bg-hover)}.ht-faq .ht-faq__cat.is-active{color:var(--htf-cat-color-active);background-image:linear-gradient(90deg,#1c2555 0%,#13759f 100%);border-color:transparent}.ht-faq__cat-label{flex:1 1 auto;min-width:0}.ht-faq__cat-icon{flex:0 0 auto;display:inline-flex;align-items:center;justify-content:center;font-size:var(--htf-cat-icon-size);line-height:0;color:var(--htf-cat-icon-color);transition:color .22s ease,transform .22s ease}.ht-faq__cat.is-active .ht-faq__cat-icon{color:var(--htf-cat-icon-color-active)}.ht-faq__cat-icon svg{width:1em;height:1em;display:block}.ht-faq__cta{padding:28px;border-radius:var(--htf-cta-radius);background-image:linear-gradient(135deg,#1c2555 0%,#13759f 100%)}.ht-faq__cta-title{color:var(--htf-cta-title-color);font-size:21px;font-weight:700;line-height:1.25;margin:0 0 8px}.ht-faq__cta-text{color:var(--htf-cta-text-color);font-size:15px;font-weight:400;line-height:1.45;margin:0 0 20px}.ht-faq .ht-faq__cta-btn{display:inline-block;padding:14px 28px;font-size:15px;font-weight:600;line-height:1.2;text-align:center;text-decoration:none;color:var(--htf-cta-btn-color);background:var(--htf-cta-btn-bg);border-radius:var(--htf-cta-btn-radius);transition:background-color .2s ease,color .2s ease,transform .2s ease}.ht-faq .ht-faq__cta-btn:hover,.ht-faq .ht-faq__cta-btn:focus{color:var(--htf-cta-btn-color-hover);background:var(--htf-cta-btn-bg-hover)}.ht-faq__panel{display:flex;flex-direction:column;gap:var(--htf-q-gap)}.ht-faq__panel[hidden]{display:none}.ht-faq:not(.is-ready) .ht-faq__main{display:flex;flex-direction:column;gap:var(--htf-q-gap)}.ht-faq:not(.is-ready) .ht-faq__panel[hidden]{display:flex}.ht-faq__item{background:var(--htf-q-bg);border:1px solid #e3eaf1;border-radius:var(--htf-q-radius);transition:background-color .22s ease,border-color .22s ease,box-shadow .22s ease}.ht-faq__item.is-open{background:var(--htf-q-bg-open)}.ht-faq__q{margin:0;padding:0;font:inherit}.ht-faq .ht-faq__q-btn{display:flex;align-items:center;justify-content:space-between;gap:16px;width:100%;margin:0;padding:26px 28px;font:inherit;font-size:17px;font-weight:600;line-height:1.35;text-align:left;cursor:pointer;color:var(--htf-q-color);background:none;border:0;border-radius:inherit;-webkit-appearance:none;appearance:none}.ht-faq .ht-faq__item.is-open .ht-faq__q-btn{color:var(--htf-q-color-open)}.ht-faq__q-text{flex:1 1 auto;min-width:0}.ht-faq__q-icon{flex:0 0 auto;display:inline-flex;align-items:center;justify-content:center;font-size:var(--htf-q-icon-size);line-height:0;color:var(--htf-q-icon-color);transform:rotate(var(--htf-q-icon-rot));transition:transform .25s ease,color .22s ease}.ht-faq__item.is-open .ht-faq__q-icon{color:var(--htf-q-icon-color-open);transform:rotate(calc(var(--htf-q-icon-rot) + var(--htf-q-icon-turn)))}.ht-faq__q-icon svg{width:1em;height:1em;display:block}.ht-faq.is-ready .ht-faq__a{display:grid;grid-template-rows:0fr;transition:grid-template-rows .28s ease}.ht-faq.is-ready .ht-faq__item.is-open .ht-faq__a{grid-template-rows:1fr}.ht-faq.is-ready .ht-faq__a-inner{overflow:hidden;visibility:hidden;transition:visibility 0s linear .28s}.ht-faq.is-ready .ht-faq__item.is-open .ht-faq__a-inner{visibility:visible;transition-delay:0s}.ht-faq__a-content{padding:0 28px 26px;color:var(--htf-a-color);font-size:16px;line-height:1.65}.ht-faq__a-content>:first-child{margin-top:0}.ht-faq__a-content>:last-child{margin-bottom:0}.ht-faq__a-content p{margin:0 0 .8em}.ht-faq__a-content a{color:#13759f}.ht-faq__cat:focus-visible,.ht-faq__q-btn:focus-visible,.ht-faq__cta-btn:focus-visible{outline:2px solid #13759f;outline-offset:3px}@media (max-width:1024px){.ht-faq--stack-tablet{grid-template-columns:minmax(0,1fr);grid-template-rows:auto;grid-template-areas:"title" "cats" "main" "cta"}.ht-faq--stack-tablet .ht-faq__main,.ht-faq--stack-tablet .ht-faq__cta{margin-top:var(--htf-stack-gap)}.ht-faq--stack-tablet.ht-faq--chips .ht-faq__cats{flex-direction:row;flex-wrap:nowrap;gap:10px;overflow-x:auto;padding-bottom:8px;scroll-snap-type:x proximity;-webkit-overflow-scrolling:touch;scrollbar-width:thin}.ht-faq--stack-tablet.ht-faq--chips .ht-faq__cat{width:auto;flex:0 0 auto;scroll-snap-align:start}.ht-faq--stack-tablet.ht-faq--chips .ht-faq__cat-icon{display:none}}@media (max-width:767px){.ht-faq--stack-mobile{grid-template-columns:minmax(0,1fr);grid-template-rows:auto;grid-template-areas:"title" "cats" "main" "cta"}.ht-faq--stack-mobile .ht-faq__main,.ht-faq--stack-mobile .ht-faq__cta{margin-top:var(--htf-stack-gap)}.ht-faq--stack-mobile.ht-faq--chips .ht-faq__cats{flex-direction:row;flex-wrap:nowrap;gap:10px;overflow-x:auto;padding-bottom:8px;scroll-snap-type:x proximity;-webkit-overflow-scrolling:touch;scrollbar-width:thin}.ht-faq--stack-mobile.ht-faq--chips .ht-faq__cat{width:auto;flex:0 0 auto;scroll-snap-align:start}.ht-faq--stack-mobile.ht-faq--chips .ht-faq__cat-icon{display:none}}@media (prefers-reduced-motion:reduce){.ht-faq *{transition-duration:.01ms !important}}.ht-faq__empty{padding:24px;border:1px dashed #c3c4c7;border-radius:8px;color:#6b7280;font-size:14px;text-align:center}
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