.accordion {
  background-color: #eaf4ef;
  color: #333;
  cursor: pointer;
  padding: 18px;
  width: 100%;
  border: 1px solid #eaeaea;
  outline: none;
  font-size: 16px;
  transition: 0.4s;
  position: relative;
  margin-top: 10px;
  border-radius: 5px;
}

.accordion::after {
  content: "▼";
  font-size: 13px;
  color: #444;
  position: absolute;
  right: 20px;
  top: 50%;
  transform: translateY(-50%);
}

.accordion.active::after {
  content: "▲";
}

.panel {
  background-color: white;
  overflow: hidden;
  max-height: 0;
  transition: max-height 0.3s ease-out, padding 0.3s ease;
  padding: 0 18px;
  border-radius: 0 0 5px 5px;
}

.panel.show {
  max-height: 1000px; /* enough space */
  padding-top: 10px;
  padding-bottom: 10px;
}

.disclaimer {
      font-size: 10px;
      color: #777; 
      margin-top: 5px;
 }