.transfer-faq {
  --faq-bg: #f4f8ff;
  --faq-card: #ffffff;
  --faq-border: #d7e6ff;
  --faq-primary: #0d47a1;
  --faq-primary-dark: #08306b;
  --faq-accent: #1e88e5;
  --faq-text: #18324a;
  --faq-muted: #5c748d;
  --faq-shadow: 0 10px 30px rgba(13, 71, 161, 0.08);

  padding: 48px 16px;
  
  color: var(--faq-text);
}

.transfer-faq__container {
  max-width: 980px;
  margin: 0 auto;
}

.transfer-faq__head {
  text-align: center;
  margin-bottom: 24px;
}

.transfer-faq__title {
  margin: 0 0 10px;
  font-size: clamp(26px, 4vw, 38px);
  line-height: 1.2;
  color: var(--faq-primary-dark);
}

.transfer-faq__subtitle {
  max-width: 760px;
  margin: 0 auto;
  font-size: 16px;
  line-height: 1.6;
  color: var(--faq-muted);
}

.transfer-faq__list {
  display: grid;
  gap: 12px;
}

.transfer-faq__item {
  background: var(--faq-card);
  border: 1px solid var(--faq-border);
  border-radius: 16px;
  box-shadow: var(--faq-shadow);
  overflow: hidden;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}

.transfer-faq__item:hover {
  transform: translateY(-2px);
  border-color: #b8d2ff;
  box-shadow: 0 14px 34px rgba(13, 71, 161, 0.12);
}

.transfer-faq__question {
  position: relative;
  list-style: none;
  cursor: pointer;
  padding: 18px 56px 18px 20px;
  font-weight: 700;
  font-size: 17px;
  line-height: 1.45;
  color: var(--faq-primary-dark);
}

.transfer-faq__question::-webkit-details-marker {
  display: none;
}

.transfer-faq__question::after {
  content: "+";
  position: absolute;
  right: 18px;
  top: 50%;
  transform: translateY(-50%);
  width: 28px;
  height: 28px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: #e7f1ff;
  color: var(--faq-primary);
  font-size: 20px;
  font-weight: 700;
  transition: transform 0.2s ease, background 0.2s ease, color 0.2s ease;
}

.transfer-faq__item[open] .transfer-faq__question::after {
  content: "−";
  background: var(--faq-primary);
  color: #fff;
}

.transfer-faq__answer {
  padding: 0 20px 18px;
}

.transfer-faq__answer p {
  margin: 0;
  font-size: 15px;
  line-height: 1.7;
  color: var(--faq-text);
}

.transfer-faq__cta {
  margin-top: 24px;
  padding: 24px;
  border-radius: 18px;
  background: linear-gradient(135deg, #0d47a1 0%, #1565c0 100%);
  color: #fff;
  box-shadow: 0 16px 40px rgba(13, 71, 161, 0.2);
}

.transfer-faq__cta-title {
  margin: 0 0 10px;
  font-size: clamp(20px, 3vw, 28px);
  line-height: 1.3;
  color: #fff;
}

.transfer-faq__cta-text {
  margin: 0 0 18px;
  font-size: 15px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.92);
}

.transfer-faq__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.transfer-faq__btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 0 18px;
  border-radius: 12px;
  text-decoration: none;
  font-weight: 700;
  font-size: 15px;
  transition: all 0.2s ease;
}

.transfer-faq__btn--primary {
  background: #ffffff;
  color: var(--faq-primary-dark);
}

.transfer-faq__btn--primary:hover {
  background: #eaf3ff;
}

.transfer-faq__btn--ghost {
  border: 1px solid rgba(255, 255, 255, 0.35);
  color: #ffffff;
  background: rgba(255, 255, 255, 0.08);
}

.transfer-faq__btn--ghost:hover {
  background: rgba(255, 255, 255, 0.16);
}

@media (max-width: 767px) {
  .transfer-faq {
    padding: 36px 14px;
  }

  .transfer-faq__question {
    padding: 16px 48px 16px 16px;
    font-size: 16px;
  }

  .transfer-faq__answer {
    padding: 0 16px 16px;
  }

  .transfer-faq__cta {
    padding: 20px 16px;
  }

  .transfer-faq__actions {
    flex-direction: column;
  }

  .transfer-faq__btn {
    width: 100%;
  }
}