.sa-wrap{--gold:#c9971c;--gold-soft:#f6efe0;--line:#eadfc6;
--ink:#1c1c1c;margin:0 auto;padding:60px 16px;font-family:inherit;box-sizing:border-box}
.sa-wrap *{box-sizing:border-box}
.sa-head{text-align:center;margin-bottom:32px}
.sa-eyebrow{display:inline-block;color:var(--gold);font-size:14px;letter-spacing:.5px;text-transform:uppercase;padding-bottom:6px;border-bottom:1px solid var(--gold)}
.sa-title{margin:16px 0 10px;font-size:30px;line-height:1.2;font-weight:700;text-transform:uppercase;color:var(--ink)}
.sa-title span{color:var(--gold)}
.sa-sub{margin:0;color:#444;font-size:15px}

.sa-list{display:flex;flex-direction:column;gap:12px}
.sa-item{background:#fff;border:1px solid var(--line);border-radius:10px;transition:border-color .25s,box-shadow .25s}
.sa-item.is-open{border-color:var(--gold);box-shadow:0 4px 18px rgba(201,151,28,.12)}

.sa-trigger{all:unset;box-sizing:border-box;display:flex;align-items:center;gap:16px;width:100%;padding:14px 20px;cursor:pointer}
.sa-trigger:focus-visible{outline:2px solid var(--gold);outline-offset:2px;border-radius:10px}

.sa-ico{flex:0 0 auto;display:grid;place-items:center;width:40px;height:40px;border-radius:8px;background:var(--gold-soft)}
.sa-ico img{width:20px;height:20px;object-fit:contain}
.sa-ico i{width:8px;height:8px;border-radius:50%;background:var(--gold)}
.sa-ico--sm{width:30px;height:30px;border-radius:7px}
.sa-ico--sm img{width:16px;height:16px}

.sa-txt{flex:1;display:flex;flex-direction:column;gap:2px;min-width:0}
.sa-txt strong{font-size:14px;font-weight:600;color:var(--ink)}
.sa-txt small{font-size:11px;color:#666}
.sa-item.is-open .sa-txt strong{font-size:16px}

.sa-toggle{flex:0 0 auto;position:relative;width:22px;height:22px;border-radius:50%;border:1px solid var(--line);transition:background .25s,border-color .25s}
.sa-toggle::before,.sa-toggle::after{content:"";position:absolute;top:50%;left:50%;width:8px;height:1.5px;background:var(--gold);transform:translate(-50%,-50%);transition:transform .25s,background .25s}
.sa-toggle::after{transform:translate(-50%,-50%) rotate(90deg)}
.sa-item.is-open .sa-toggle{background:var(--gold);border-color:var(--gold)}
.sa-item.is-open .sa-toggle::before,.sa-item.is-open .sa-toggle::after{background:#fff}
.sa-item.is-open .sa-toggle::before{transform:translate(-50%,-50%) rotate(45deg)}
.sa-item.is-open .sa-toggle::after{transform:translate(-50%,-50%) rotate(-45deg)}

.sa-panel{display:grid;grid-template-rows:0fr;transition:grid-template-rows .3s ease}
.sa-item.is-open .sa-panel{grid-template-rows:1fr}
.sa-panel-inner{overflow:hidden;min-height:0}
.sa-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;padding:4px 56px 18px 20px}
.sa-card{display:flex;align-items:center;gap:10px;padding:10px 12px;background:#fff;border:1px solid var(--line);border-radius:8px;text-decoration:none;color:var(--ink);font-size:12px;font-weight:600;transition:border-color .2s,transform .2s}
.sa-card:hover{border-color:var(--gold);transform:translateY(-1px)}
.sa-card-t{flex:1}
.sa-arrow{color:var(--gold);font-size:12px}

@media(max-width:640px){
 .sa-title{font-size:22px}
 .sa-cards{grid-template-columns:1fr;padding:4px 16px 16px}
}