.wraps input {
  display: none;
}

.wraps {
  margin-bottom: 3rem;
}

.wraps label {
  background-color: #f4f4f4;
  display: flex;
  width: 100%;
  height: auto;
  cursor: pointer;
  user-select: none;
  color: #212121;
  font-weight: 700;
  font-size: 26px;
  line-height: 1;
  font-family: 'Montserrat', sans-serif;
  padding: 10px 0;
}

.wraps label div:first-child {
  width: 100%;
  line-height: 1.7;
  margin-left: 20px;
}

.cross {
  margin-right:15px;
  margin-top:3px;
}

.cross:before,.cross:after {
  content: '';
  border-top: 2px solid #3E474F;
  width: 15px;
  display: block;
  margin-top: 18px;
  transition: 0.3s;
}

.cross:after {
  transform: rotate(90deg);
  margin-top: -2px;
}

.content {
  box-sizing: border-box;
  font-size: 0.9em;
  margin: 0 20px;
  max-height: 0;
  overflow: hidden;
  transition: max-height, .5s;
}

.w-section {
  border: 1px solid #d9d9d9;
}

.wraps input:checked ~ .w-section .content {
  max-height: 700px;
  transition: max-height, 1s;
}

.w-section .content p {
  color: #212121;
  font-family: 'Montserrat', sans-serif;
  font-size: 16px;
  font-weight: 500;
  line-height: 1.7;
}

.w-section .content p a {
  color: #2c539e;
}

.wraps input:checked ~ .w-section {
  border: 1px solid #ccc;
}

.wraps input:checked ~ .w-section label {
  background: none !important;
  color: #2c539e;
  font-weight: 700;
  font-size: 26px;
  line-height: 1;
  font-family: 'Montserrat', sans-serif;
}

.wraps input:checked ~ .w-section label .cross:before {
  transform: rotate(180deg);
}

.wraps input:checked ~ .w-section label .cross:after {
  transform: rotate(0deg);
}

.questions {
  margin-top:20px;
  max-height: 0;
  overflow: hidden;
  transition: max-height, .5s;
}

.questions label {
  border:none;
  box-shadow: none;
  margin:0;
}

.wraps input:checked ~ .questions {
  max-height: 400px;
  border-bottom:2px solid #3E474F;
  transition: 1s;
}

/*----------tool-tip------------*/

.tip {
  color: #f03768;
  cursor: help;
  position: relative;
  overflow: visible;
  font-family: monospace;
  font-size: 1.3em;
}

.tip:before,
.tip:after {
  position: absolute;
  opacity: 0;
  z-index: -100;    
  transform: translateY(-30%);
  transition: .4s;
}

.tip:before {
  content: '';
  border-style: solid;
  border-width: 0.8em 0.5em 0 0.5em;
  border-color: #3E474F transparent transparent transparent;
  transform: translateY(-200%);
  bottom:90%;
  left:50%;
}

.tip:after {
  content: attr(data-tip);
  background: #3E474F;
  color: white;
  width: 150px;
  padding: 10px;
  font-size: 0.8em;
  bottom: 150%;
  left: -50%;
}

.tip:hover:before,
.tip:hover:after {
  opacity: 1;
  z-index: 100;
  transform: scaleY(1);
}

@media (max-width: 994px) { 
  .wraps label {
    font-size: 24px !important;
  }
  label div:first-child {
    line-height: 1.3 !important;
  }
  .w-section .content p {
    font-size: 15px;
    line-height: 1.57;
  }
}