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rFR\/P1wsAvh\/CeNj\/dKPCJq4jtxCgTSQ5A3jcILXPrLWPTvsrCcJpvNo6+KRL+D5qETyz6TPknDa9OGIpjtpV4Hjug7ZcpKnU0\/LMX3Z3ABnkKW\/C0ZVDlNmP+ADLvJi80B4tSUqoU9OJwe4BIdaRLGJj+LSFnlKdCo6BsIfVMUX\/5fEz+XjtVkxz8qEQxDdePkcoAm0RK\/mOkq6A\/D8Zwy\/3CWst5FBf8rD\/FLEpW4JTODX+ZhHQkyVceeB0EPusy2fiTTgb8\/ng96PpZ8ZqtXBWjyv5MO1U1ZR+J3LfmFtEktBSSk0iDijy3xP6XOeTGoFF+U8pOmvpAY+xsp\/zSWDQ+i4AHFEf+Y4hycL4H5bymmhpmqYyjIkGFI8OppbITYFf97isXzGvfPKa4Es8NiqaFGUEj5v9M2hj1JIuofpPg\/EofII7\/FPS7+q8a2sfLGCFfF\/4CE1XHqKpeV75Q4WY2gqEfuQd8h0ccO8Mj17lysYVuYMzP4YUt8szVAOAflOuiHlxTtFy3xJkt1a0I2xH5SvCXOlZUwKbjKKPHfP4DIrReOW1jmbZgDMjHiPTSz4USx+4IlftK6pFJXvG\/FKZAHdvFqS3x3Bl3Sv01bFm8wyLKeI64MZ9Mw\/unat1rie0x7qbuDWNwGwwjSFP8ixRtNizuazGdJ\/vf9lvhB08AdcNafwCreZjDVMdRTr\/GrLPEjuP\/bUngfbvEiJYvp\/aihrYezbo8T+oCFcWicc0BJiPdZ8tsMpoUdFV71sB6O5trR\/YIlv91Sy+SNL8XeKIKIwUih4Tnmw9FCy8\/qFjygVz2C+MUHNVKTb9FDK\/TPIfkDa8F5xRnNhxVqVjRDjkz8L22haChj2HHDRyzxTTjGwx1D2McUoHeYF3bVz89GUCXM+mRa081Frq12dc6I46ATOHUFUhOXQpVBilXF3LdccyVWkzsRTMqFYUzVlT90\/OZFjCarDfuYT62PAiS3oDA13Vyf0W7gNi7CPYDgUdm6JmluQwUWfrD5ZPHEozhN+gA0A1qQ3ewRBDzpSqwmP49kaQ8pPPULR\/Qnni2eeQSlCV+qheDj1AZcJD4l5bMWUZoONoKTvFqECEcV8Vzx7EWMJtuG1cFVM\/8WYfeWX5Wpa4od\/TIHdQC7jrgjrer23i69Rx2nEZyf1RpiqaIrkJoYtqj6HlewBlLwXBhXNcGBnksRUtd6ET8P6ktMucCZfFrK10hITukmtQBtr5OR2tfSn7dsih+Cx2Lk6g\/H4xmunrmobzd0OJpGSNY\/KB6WuseAwolwP0cADH\/KEGKhsE47KrMLmYoHkPfbSXEYPZj8jMRdIxJ4jCGm4ajcp0fjJfEHDJfEnXxe4jjSNbdBfyHFr8XOWKewiK6pFdhEgMFpFMTH5AjPItWAqnLrn5Ti11WCanDkwvljUnw8buD2NQPjmACj\/I24LZWuSyliJiT4uMQ97RUUdnqt+wkpfksRQDnUlcQF8YdKFl3sdFN\/PqEcTYKb8bGNLU0tAP3\/53Q4VQJPdAm5cT3Oij9LGUSGwyMw+Ly8GB4G0\/7eHiT7OQvCOxgjHnHoQlv7U+SjIO+\/khwpPToO2fvFcHc8RdyCFAcneEH+R5NKrWHLisQXpPzPcoblriHmpuTFxyzxX7AgGOh+E4lW2CkGiu1xDL+I\/A1gDORbsONFMxOAQ6VebYXD7bCnGPyFJV5nwRswwsRYh+JWZJCRndmvh72+fvXtHTnxegtKgnXnqmO4RrOwo32vFfWHkwGi8fiNjVZ3FA44\/bda+7Ohysb9Qk6812LSxIPfER\/OiZ+yujuYtEp51LrbSD+uYUs5IAkwqtP357CRxZgSfM98iPkxJJuI11riZ5I2njuKhz62K7S8wcIOH7cQh8ZIfCAnP5TFIqZ9nxQ\/n6C8EMc+aLRSyYdz2MDiFg5FJdcj8cGc+EVrE3qU7vu4gIZzmqCK6cohBVYb82dduPDDKZIeIFcn1tb6ihtM\/X6AaNltn9dOuGxc5+\/Aie\/ESHPtldmqraVdqJhOFTB3AM2ktqWI7Huu3Slv4Aw1ZotR5IHzM49obKEfNfVjur6k+y0b816IQ3Bjx\/VCgMvrJJiAMgqAVn3OEAMyCHGlOsElHbR72ofAXmNJudjooOUQrGAWWPD0enczI22QZXi8DjyOtDpoApMcY75KPxz0MAiwSmmoOskCaorXWyK3uYARN9Vd38cdOOQtSk2Pn+Pw7LLb5uW35Eda1tW3hfjbZ01lpUi3UXbUj75zuBdtbjidrfjn6XlcyJY2Mk8VNKJll\/nL9Pg1GX68J4PVN87Li8j4tnllEZ1cR69uur5brFFhjvG1BPX9GFTWtnDNx19THU9+NH8i+TANu1KD6Byd88lFGtX7FUSnUiI9jqvzOn0F2dXZXVNsemUg2GEiwmsN0jyZ4K8zeNVjgr3eYHUHCfoG9WPvRtDhrwkdL3Ad9ndjrAN0C4nPSLXtjRlty5I4aIfKJUoFLMwALiTRO1IDdUFYAasIY3XQGu9lYJLp583o5xHpHBCxM30BPTENNJPFR+jbQZ5h+9Yr2BoaBwQpywhI+Anc+WdunXCzJazCgk31wl09pYfGw+1+WDEvPze6CJfXRG4n+3gjefDtlshnX7golK5OJ\/Kp\/oqs\/kq+RuW5ZZhYx1efoOpgGLA\/t1F1PDfo8K2cjs8fleqG3EIP6fUZJhxPAetEV\/OwdWTWZc56RYtlpOeFswUE3h1sxk\/k4P7S+4c1kcdtVvq4y2cLM24c77LEUnbmy5Mpb16xZypeEXJxYmWhe4WHK2M8rmGoFLd3XcHlkXoRQdcuHJlowD75wp36aZ4SIQoZv+4GccFxNEpOh++gAbH4dOvI2ODfoUSjPVNdk7Jv9nO+kGmw77Gk5WbQi0zAY8YxvdcSDHwgqq9AHJASq9Gst5oN7UwFxhvwm276Q2hS70YqWoIf1d9NMJ9DEOpdQJSS0+44ZaiFfu\/FsgO4y6pThoaAhN978Dv6c3ZshsNuw5myp3YWn9edLR6kRW4L7h6tIvDajZIdOACl+oaWeYXE7NTJQXnx9SUNbyIYhOYolDkyN7Sq5bZUjcuBM1ZygNaiWbZL5oVQ4TvcevRX1dL15XdrjDhyCtnxnRr8rmrN67gCUAFDpaTM5p7tDGlDnDzGUwaOUG0LQYQCMPQZNBIbN0AzxexzHCTMZmJQZjbZZ\/qgUNP4IOynv6N45jX3SHzIkoVIdY37NoVDKywn0FdwsIFl3DzsAglrgRNeyN+I08H5luOXPFf90lWUWlwgaX4AapV8+vncWXvTTmjy1aBOEymc9ZU8l9Qmfo6o5db5oKqQK+t892vVV+hj\/par9um1jSbfFgJ03Gv7xJwo2uqnzCcRsfHrI8roTrkMhnC0czL5CDiyGlVLxo1laEjcaMHMI5wb4AltHJikz3h6HccXmImWqrKSJlP3WJiJQUIm2pXRQq0AnqKGwJ6MhZUfAISWgdv2fAAnpBbgN+Hy+ojccWKhpOO7fvVrj8Ycp4ApannNaaTDJ2tpAFA9\/QmY8lWetnrxmbU7QPQoPolVXkRxzjDbT2Ez6I0vjXD5zxcTEMrCXxZEARoRYbThaOcwxS4V02GLvNrWlW2KdiOtyCT2shrNTk3\/7jlXiwcsCmpdgBPmmZhGJlxijKW+TXiu3VR2nas6NpoB5csLUwFhTf0qWODqFn\/lYrOZKXxdXX\/cBiTCeSCB03e1SRmfXK18nxuHhEDx8O9jkXRDJD5jycUXFpPnHUVrLfVTPgHQosU1SlALKWssfdKQyVjn4J6D9Fyav8qxtIB0AdaID6S58aVkLJsm7gm6UzgHqDOm815sXgmBrfoU1nUpH+790E\/MOsUFIMXdgJVissNcuBnIpzTpiDLDvGqGnS9AM\/uMdsWmwfeJY4y+L1jhMQsnlKukH1avTGMcSzvEhoYkdeZ6Yk2Pt4IUMttxeX4cdjXtaoIkf3NipoQWi1CJ5OQibpM2Lt6VE6eGmePjKy1xGuxM9x56n+nzaDxiJBzhJ0btKa49G+ElxIJAXbvIWnzaEtclywS\/g+xefLeAQ5Xx5Tg1Z97cSt9NxaZlFKeM9PlOCIPbcM7HL1zCUjca2JIQ6DdwMKrVlD3JB4rNBzrY5QFbLf9uFDk42KBUZXSOWn4jVUd1OKTbj0RBQlEU1vT1WZhJFYPWr2NY1lz98E294wQRWg68mc5pWMdNUzTdaSvImvVnmDuGP4t\/yKkb8peYVqYm7au8M6ClkIwCdIT25YTeHWL\/qXYjvrG9sgvFgCJlcauT6fgAy8Ek2jGkP7H1dwd0rKivYT4ZeR6H2M1dAWYBJXJ7wCI7xKXwzTmbKKuGmULPkpsKa2Wuhi3j+XBriHvNLfaSv+rQC1cZ+tIi5ZYRydG5xwJa2cRwmPeCG9vpjg66EVNL8aX5SxH4ILU4MMOGBlqqXg6puCpDoR9a1+uWV1\/qIyudaXimkLpdMa2Nd7pqPg8KK4P24R+VUfDHkC89yrE0wGWGkDzv4BwzUbqN531lh61Yl6U1gp6B3mQ8EwO1Aqwe1A7hiXYNQqofKQEyPcj98SyajGemakWIbw0c20fysF63wljXDNVXYoAV1cbpps7btOXNY0W4hwnC9Znbw40pNr0pnAGoe1As+D3L2oYX93eQvmHcie5M75H4B4TwQeJDkq0MlllpelvGjD0HRzCVipIB3\/zArt\/C09s4\/cWvSC+P4WtVZ\/9oCTkKLyUV64oxljnGHKB4NsBgLv2oqildOqsjU8Ckesng\/oknq\/goMaMXY66UXJfdFD1L3t8uRKypXuTRbuPh+Qt8MLoo5pNB59W73uLLlijQkktaQ61ctKh+RmHNIql3vxpQLVPPBaj78RNHnoafe6n8N55flH1LDUnk+G0WF2cStWI20iAaxAGhXncDXbEWH90ID9UtB8YwUVwwMd4z70H2fMsGXnIYRvRNqOR8ChHZA76HC\/OMFiQjB91oFiuH5i7+GYt\/JdoHm3kkXpGD782wz0M9YXQJ\/9z2or7EKusi\/LwMM7YiRZ8YaSIV\/b46NPLKrjmiqwzUT0ZkmJpBROJVObk4SOU7cOeWeiEkTWNuFcpSs4S+LuGhRF6ReGVOLqMNZ0P9kxQcjrGscLYQOBwjfF6g69Ymo6\/0CIncqgpQcDmDjIvLbUC2sUeAGTuybo3AEWOBmODcEmKMwDK7N1Iz+s2MfJ9+W4c5BTpj5bT\/BtY0RP+h+FtLLCfKiMuGlfE2OjrA+MWyXO2F2CjChuZ5DLYI81SeNRJ\/Z8k1LbrYm+Ky3+JP3hd9XyT+3pIn0NUUo10TJ9VaxDRVbYjQ8FML+NZV\/B8ev8Dgx5DE7MuUGFzaNRPUUmWIxLfm5LU7Gem\/OieuO1iQ82ty4nqY3dYUZ1XI7gZ+pqKC8M\/HKkI5pLgx4xJi1xKJf7HkTTMsnHEF\/2qJm1n1Eyl+yRK3JItizwJok4+FutWH+HDC6072z81DlY2LTOxFU8fsEHNNYFvQdCJMf8lwLbk9wOqoE6OxAay+HoUXaiGBSC+4DhHYNW6Ud8eIGvpRq4tloJbIGfBeOOwi0TXaq0fgY0HeiFWAV9XcDBBXbFnk0VGRx85CNB7tKdQSF8uDNkBYPR\/YANSYy3CiHl6OgGrz58UIk1pwLNAaMFPDkAuqC11CW3E67vZ2wJJuO9u8szi3N8BaZ+hpKt4ITzKJGYs35WClsca0suhCHewgDmHdzja4w4X+LaiLAtRNgpG3+LKUeQjKWFskXpuTBSV58Q1yiZnF7sBYxHJ3ZwfsRF6sRDzD+kleZzWuB+z2heJYXC\/hSg7DU+gXizX1YykMoSCOK9CsK04IqopLHHpsMDypO251DwcQFhCnogVtYvL3dTl5OjORRHFenxPX7ILTpk5DYb7XKu4uNALqBxdz2JzPon4vdEY7A1gzDjD0a9CU6xRhCyKEF7ogru9HJRy6YCsDuMNBe9Qb+7h3vCjekpM3KpQXZlA3bccri4R3Tt48DXe0Wfjhy+ch7MqkH5bFLaqfIqKSnX1f\/Q6sggHrqd+q2pz0117\/KsWjJmPcZuIe0laqgVyIuC35pQfyv6EKq\/gRhtvL\/d3d0v6cx4W1jHTg3qTeAZeYzFC\/RmygGcsP76k2YzXlvIbNuhZ0zY2UY8KCQBZLO+Qe2eplXcgu2IeUiEIXy4jC+hQz1rzahyub7uwfogu5MrkSt3o14ngexyZXx69xfrFaWEsjTCGeIVhqlwHFxRSNGHBJgC2O1SK7I1V+m1BLddBYZFCYXA275MW3w2pBhGU+UlruoFCfQBbxd\/JlQlqmLlrWkHBVnzrkNG5UfN4OA48PqaRWSLHC\/LZjN8BMVGpNO0ApceuGqzBAll1z1T+foTOgAPh7XM\/BzZ7K6hXqKn+7lL1HWI478UJ965t2tvSVO0v60FwLWa5LMVd7pFN3cLqPkNZfE9YuFszUEGghj9SNmD7Jq41b418iCuHlyRQeBiquUe\/JYeM2yXjxvhxcrXo1wNUZdfEeKVac5JEkCyFO8uYwySWbz7LrKj\/SzE8E628j67Saym+bfyOi7HIlAeWdc227RkkXGk3k2llDZQnZdf6jE0pky0mlg2R0TLKy7vHfTcElHxpQX83Ws4TH9Lcd15SIj6MXFCfS+UB5wqSSTO7dOcG3YQzanu7Nh1DYCFfAMlGmeiwylVuA+HUKFTSpwoEG25PCYyVy6TUglQPBqWphQkb2gFDa8k48jn4XVehh7E3xoz4uBmA5eLpPX5JcMGFXy94nJfRkssl+cBuT3Ol96MhYNIGDVoYQQ\/CH+oH5QYZGzYxJb757IWrmd83CxjVoqcbVlPxIv9YAq2FvosjZ5qMK+So\/klaonsHfpepd+LtcvRt\/V6r8MNpq9V78PVaN72jWkqTp8UoTeVRCJ6BuUCsf4EnSnKoSexpWieKahZzrterq6ro2\/15fdxptlDfU+KXIG8vE3VQO8PfmMvXiloq73lY8bgVUsltmAo+q63zvbdBVFLfzCvHRDi\/IHwPLbSrLfaxft9Uv+R\/HUT0eiVnyecI5\/HliucKnn2QXixzmk81FwlM89vxUjxN4mrmYfDo\/\/I3yGfyHbVA+E0aD4lm+\/udsnr2hvxEKC0Nxh68EdCcnc4aIuzi5u80HMe8pqu9h3lssc2Xu81vKNO5XQ3jOliqe23JLgZ7w8\/xm21O\/Un6+W+d8XoCzOmf4wppdVP8+w4vcRkt9ePzFxTZuzcnM1rdBgIocv8l5l5qtIF68MmAtQ4f3GDbsEnCl2Q40r3Vk52CsaiWrddBwWPznGGpl\/Q2TszVnXd+6bdB9eHy5R3ixuiUjkaWqU9pADhCwxY8kmH+aJ4ebFQojz5XHknBGhRjOPLMU4\/jeAFkvJwNfiYdYVEuxGlMcw+UP0o8au+Y7tleqambHs5dp\/LeOtPqe9FtuIxnxKZ2eBHQ6sLl416DAGilZX0thaWbXBZ7jcGSAr8e5u9jU+Bs4S5Q3UuoadRMngfJmlnpct6jRxqtxK7ogOcBHkS3K21gaVrfbLV4pxB+JeXRqzI9ZMKnHppbxOCPnx2PfatdxeW5M9Qllfhc23hGeWIaeGPhJZZdvbjTVv33w5HL671Q9xam3qnARVIWnVhyVW3gazFDr59OhBbiZLwF8RjydZ7I7vW8+Syvts3Eh7WDUqqevMlO9g6WR4J0IIijzM7Gu3dXQSeO7sRmwvIcrpy7vULkXDiX72Zz7PPVP59yPIh7DcwBzGIrZc\/3YGzwPFgr90JeDz4edItcVV1\/AVWBfL8QQOKgXGaN\/cYDQQK8blKfJLRJgsWjzH\/IBVMLyt2oO5aX\/6Ygyc+CouY0KNdIxJlsx7modfpcfjtGDr3rOuoZcrayAztpIn3NMG7Umh12D7zjXVopR1\/fXgMC\/rvpvKuqya2viVgKd+78eCwAA3VZpdFRVEq77bndnXyAgWwIhgrIpCRAWyauHgIiMShDGbYzSZIFAaAJBAUdigJCEfReU1UFQNKA4CoikDUziYATETAQVlUVROOqowCAKyFTV6zSPMz9k\/sohqS+37q1by1d1n1IGaIg89eveXzxRc6Bn1XyoGRw9KmXIiC7e0ckPZBX0HXWn9\/7k\/PxB4wdBHDT6PnLu4MbQAhLA5VYABriUu\/+4zMfHZvsmgkeFPg0AYRALFQaAAjEOrcFluNO9I7MTU65uiWRB\/0TI\/jiGMWoSHZyn1obT0fmXqsIMOh3p7ustyM3s\/MCo3InZsEXBVgXrlXpHwWalemWmds9KTe2WldltRI43NTMlJat7r5453uQeI3J6JdNqak5WVs+sLmB0vS0lBcADIfU+RMwEWMg\/1zgTZbvTCJrznwmqJbSCm5QCg\/90\/mj+RfEruBkWKVisYImCpQqWKXhGQTw0m0b6ttAJ1imK6VjrH4sMCgoURRTlTs+e4PVN8Xp9iVO8vpGJBdkTcklk5U7k1TFeH6yRLDQuBkhPpCPt2E+jffq4\/PxcXwEMzR6b23dcXhYEFm4JLnRQv2vaVQbwJBm+4Kawip97drzBC3r0c88+6+LlEPo13A2eRPpPccsWDaxKp9XCvX\/qAUoZM+DjFU6N8hT6vulNNTeKYd9Kp8bwTL319dWgtDETahs4NdpTWJv0F1Au0myZ4dS4PIUrfPeBcpOm8oxT4\/YULtyTytZKIK2TU+MJWGNNh2ynJiSgcZGm6RqnJjRwj4c0z3\/k1IR5npqb9w17UAIbTjs14UEPSov6RDs1EcF7Sou2d3BqIgP3hBil8NQApyYqcMZDmrMjnJrogAehpPlPnlMT4ynE8CZchVL4+Jq8xQarUApVq52aBoEqhJHmnS1OTUPP1PDyeNvrcTudmjiH190OOTWNHF6\/ck19Gge8DifN5ktOzQ2BM2HEt8WRTk2TgAcRRlmf0Q2dmqaeqccGz+NclxXNb+7UNAtYc5G1mnZOTfOA126yVt7dqWkRrFxZn8x+Tk18wFqkUVa5ZohTk+ApjDY62mdOZDg1LQNnyIPKhDynppXtQWhYmFKBDoVgh8okKdKNRnTauM\/fOanam3Bl3Q3b76i4yd\/4bhe4X6PhSH3Jo8JF00hFP03jIyYRpN+os7iHuFu4L7gDmOvMauYvM5U5yexjnjGjmDvMEuYDV55rzNXkunGFuBacdc4vZ5JzxtnhPHDEHBs8rYqUmqZguoIZNDMUzFRQoqBUQZmCWQo2kMM1qju8r\/R+BQdoiwHLDeVRIVA\/bHnGFNN0sYftHIitlinKD05g5NoD17iugbucJ2y0khnbQqbsrWomPzryaHDyIInfnbt8E7Mn+Lx5iYN9eVMS+3l9T3gL6A0IOGX7Ylu3fQi+QvPJA0\/UeXrEPvg5znpz73nUDDbHf4r3R0dZbT27UY\/M8VhrfngR\/776B3x8yQrUr\/xUi3f3mIVTTm8UaTRz3X8VkGUwiM0mSRu0fq2LZfBmBvreEQcF5C76HlvN7GjpvsPdVsLDbaz+cyKtTw80scSDZ\/pFWCzZJeqYw+txXMN\/oO45a7eAtKMfIBvSfVK\/wPof3isLIdMaW3yEpfgUBHzWYBUDOGtQ05Pqg5+XoGawcWUxnniykfXx+nw0unXtigz0d0N6Iv\/RJ\/VRujQW9aDI6VibdMSkSSNSv\/98tYBOpYcw5pYuaJR828BioF96N8KKm1Fpjtl1DruEdjJ1ybcfYsXEuF3ZvdeK1P3n5AmIMjriuct1aZp+mdvPTjWf6TfHHBRpoDY6hpgbV\/ZHlmdq59kLNx55C3kHXSsVMYtGX8JTF9vzLktfLByN1YmxFt\/CUjfe8k8BNLRwbh7tiDisrQ35l5Gz3qLz53b8L+RXSK44IaBWVR3DrRNeQj379mO4tGkV7t+3j9JTh7rBg29h3+EnsUXn1SJ1xoLpAmbfPpyDQF00Og3falmND\/XqJjaMemNEOVBcCqaTvrxpPJVCW00+mY8fTQ5jMmyg4sZYgyL3iDQY8J3GuuavCtBEKQGfHpiEG1dWoWZrY3a9gSxZKZUm8tnsI2mDM7VRNgmCgF2AHfSxQjkz2YVgZo2OpXZmKWTJ7KqqRFqkvJ1v94gkcoVvsUgdc8vrAh7b+R4+tpNC2F1zHC8M1VZ14o9Em7NoMJA7z7eLt4KA3AJRkbTBsC83mLrunhNCFDY3ruGMNH1p01bhR8m3i0SKBwzYJapcmvjY1jPNZKcpmXYUP744gB2WsECxeaEOA27mP395Ers\/uhP1VxuOUNL243izBjH8MOordTvw1TuPY\/LnL4jU3pMLBdA4xyHzaAf3wZna\/XjbGwNx4HGyUV9klnyfLDAFecf0Zf3sI7e+niA27u4Rhrpg1CI8NPm0ybewlGsZsB83p4TajoWVx4unPWfdbrs+N28kJduOBY4Qk6i3hCeaM82ArFv\/fuoK6t\/qmlqT\/EeR5cicjWgwoFSDceriaXIkAMLKV6Fm8N4Tfiy74RPq8IOo26Xsxa8PnsAo4xWRQjoGTDrZwfzhIyzZhhCKjNpcI2kDKTerguC7IRdQJ702gfrFbbV\/ZAH+Whhuaaq9uF8fDwwF1eDBZjZdiAf4RZsSv0GUNAVsnTCKzmen8SzrLXuGfdnWvuN8u1Xkdkc0RuZ8ba\/U2wEFH7pA\/Q9zOeXCXObetGW\/y1xy521iYbxFTlc81KuRRUPRr9++K5La+F7\/lboLSOH5NSfzpXfn+LuElovU2b0fE1AwqgES9mt6M8wpp2\/yH5qcy9OuwmC+MNAHfx7Kxai4UjeZukD7NSfqnbXN\/acubhJJZ98TEFb+GRJvKoQek\/xrK1iyh+I8Ud1uqerEZGkpsn61pTgTLHWLzhkCdte0vs6WkoX\/b1L8QbtwNlEq7egCyZ\/eHP+wgK8PJuHCPY+naQrGjDh8oxkybZlJEZuaZ9v2s5fNSf5WJj+qRv3rKk\/GCl9DzIx9ENsc+cXUY3ZNpEAOmFx7lvRmrRfATwHNblNz3OwmS66dLLyQb9KrVo7FlYNQ37djDRHpIQmZaIY6bkYfZFalz2tCr0cxEiuPmvv3zUUyLg86vb\/DzPnLt9A7NoxY+b69wL1P7DLX30HfGBxU8ucui3Mp3es9mU4JibWKK2eL1PyQMuD08VugKSDkL57F31\/CjAV7OOwdAvSbe7dRyv6FzGziHmp2gp\/p294oEymPOQPygx7YY3YM1B3I8u279tkL289W0PkM\/Nsd25Cum4KcpQ+TVtLRF1EzVcl\/Ktl+Cn05yivFieU6jv3mr6g\/++U35PLx8JRcMiDGmZc3\/UQOLjF1wsNfUf9EmMWVNZS6\/lf7qL78sJsmcvtHYvC+HS0t+ShhQNfS50sbi7uMznagz40Mc8C2rvZCWHma7MhY0Nc+QmylsRhD4Q+09FQrVcCZ2nsoW7SDqcdHWIoNBmyUd8gtfISvZRss7a8NGV4MaDDbk5mkDYIqBtf5OcAJIqWEQCmMtV7+yW5yzcxhwB9cpy7SUOUPn6VNXRYRllrzHBoMiKP2LA0C8gZERdIG0i48u9b8cLM0JE21NBnanGueKizFAwbsEvHnOmbXH3QQ7SLy5S4aSwP4GBoM1jXvjJoBT5WBx5+kD1I3am56orR57vJSkQY3TBBQ8sGgd0mAppQIT1jSC4IGA7FPSU4LAiaOqILAezLZEh+CQFR8QxDIcVYxAB8oHjZ0GQgZ+ctYAC3YPCVpA+EMq4LgwtD1aHCqxPiAbXHUDgR+LXyZikkfxPxI02kw6q8A+C8=(\/figma)--&gt;\"><\/span><span>Frequently Asked Questions<\/span><\/h1>\n<p>[\/et_pb_text][et_pb_code _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;450px&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div action=\"\" method=\"GET\" class=\"faq-search\" style=\"border: 1px solid white;border-radius: 6px;position:relative; display:flex;padding: 7px 10px;color:white;width:100%;\"><!-- [et_pb_line_break_holder] -->  <img decoding=\"async\"  src=\"https:\/\/ringkas.co.id\/wp-content\/uploads\/2022\/11\/ic-search.svg\" \/><!-- [et_pb_line_break_holder] -->  <input <!--no numeric noise key 1005-->name=&#8221;search&#8221;<!-- [et_pb_line_break_holder] -->id=&#8221;search-faq-value&#8221;         style=&#8221;border:none;background:none;font-size:13px;color:white !important;width:100%&#8221; type=&#8221;text&#8221; name=&#8221;faq-search&#8221; placeholder=&#8221;Cari pertanyaan disini&#8230;&#8221; onkeyup=&#8221;&#8221; \/><!-- [et_pb_line_break_holder] --> <input type=\"submit\" style=\"opacity:0;position:absolute;top:-99999px;\" \/><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><script><!-- [et_pb_line_break_holder] -->var input = document.getElementById(\"search-faq-value\");<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/\/ Execute a function when the user presses a key on the keyboard<!-- [et_pb_line_break_holder] -->input.addEventListener(\"keypress\", function(event) {<!-- [et_pb_line_break_holder] -->  \/\/ If the user presses the \"Enter\" key on the keyboard<!-- [et_pb_line_break_holder] -->  if (event.key === \"Enter\") {<!-- [et_pb_line_break_holder] -->    \/\/ Cancel the default action, if needed<!-- [et_pb_line_break_holder] -->    event.preventDefault();<!-- [et_pb_line_break_holder] -->    \/\/ Trigger the button element with a click<!-- [et_pb_line_break_holder] -->   const urlParams = new URLSearchParams(window.location.search);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->urlParams.set('search', event.target.value);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->window.location.search = urlParams;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->});<!-- [et_pb_line_break_holder] --><\/script>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||6px|||&#8221; custom_padding_tablet=&#8221;||6px|||&#8221; custom_padding_phone=&#8221;1px||6px||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;90%&#8221; width_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_code admin_label=&#8221;Kode&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]\n<style>\n.faq-container {\n  display: flex;\n  flex-wrap: wrap;\n  gap: 40px;\n  align-items: flex-start;\n}\n\n\/* Left column *\/\n.faq-categories {\n  flex: 0 0 30%;\n  background: #F9F9F9;\n  padding: 20px;\n  border-radius: 8px;\n}\n\n\/* Right column *\/\n.faq-content-area {\n  flex: 1;\n  padding: 0;\n}\n\n\/* Responsive: full width on mobile *\/\n@media (max-width: 768px) {\n  .faq-container {\n    flex-direction: column;\n  }\n  .faq-categories,\n  .faq-content-area {\n    flex: 0 0 100%;\n  }\n}\n\n\/* Accordion styles *\/\n.faq-category {\n  border-bottom: 1px solid #ddd;\n  margin-bottom: 10px;\n}\n\n.faq-category h3 {\n  font-size: 16px;\n  font-weight: bold;\n  cursor: pointer;\n  margin: 0;\n  padding: 12px;\n  background: #fff;\n  display: flex;\n  justify-content: space-between;\n  align-items: center;\n}\n\n.faq-category h3:hover {\n  background: #f1f1f1;\n}\n\n.faq-category .faq-list {\n  display: none;\n  padding: 10px 15px;\n}\n\n\/* FAQ items *\/\n.faq-item {\n  padding: 6px 0;\n  border-bottom: 1px dashed #ddd;\n  cursor: pointer;\n  color: #000; \/* default black *\/\n  text-decoration: none;\n  transition: color 0.2s ease;\n}\n\n.faq-item:last-child {\n  border-bottom: none;\n}\n\n\/* \ud83d\udeab No underline or color change on hover *\/\n.faq-item:hover {\n  text-decoration: none;\n  color: #000;\n}\n\n\/* \ud83d\udd35 Active (clicked) FAQ title *\/\n.faq-item.active {\n  font-weight: bold;\n  color: #005FC5;\n}\n\n\/* Right content styles *\/\n.faq-content-area h2 {\n  font-size: 20px;\n  margin-bottom: 10px;\n  color: #333;\n}\n\n.faq-content-area .faq-body {\n  color: #444;\n  line-height: 1.6;\n}\n<\/style>\n\n<div class=\"faq-container\">\n  <div class=\"faq-categories\">\n\n    \n          <div class=\"faq-category\">\n            <h3>\n              1. Tentang Ringkas              <span class=\"toggle-icon\">+<\/span>\n            <\/h3>\n\n            <div class=\"faq-list\">\n                                <div class=\"faq-item\"\n                    data-title=\"Apa itu Ringkas?\"\n                    data-content=\"&lt;p&gt;Ringkas adalah perusahaan yang bergerak di bidang teknologi. Ringkas menyediakan platform agregasi informasi dan layanan jasa keuangan, yang menghubungkan konsumen dengan Mitra Properti, Mitra Digital, dan Lembaga Jasa Keuangan (LJK) yang telah bermitra dengan kami. Dengan platform digital yang kami kembangkan, Ringkas membantu masyarakat Indonesia untuk mengakses layanan pembiayaan properti secara lebih mudah, cepat, aman, dan transparan. Kami bermitra dengan lebih dari 30 Lembaga Jasa keuangan (LJK) yang tersebar di lebih dari 700 cabang di seluruh Indonesia untuk menyediakan berbagai solusi keuangan yang sesuai dengan kebutuhan pengguna.&lt;\/p&gt;\">\n                    Apa itu Ringkas?                  <\/div>\n                            <\/div>\n          <\/div>\n\n        \n          <div class=\"faq-category\">\n            <h3>\n              2. Glosarium              <span class=\"toggle-icon\">+<\/span>\n            <\/h3>\n\n            <div class=\"faq-list\">\n                                <div class=\"faq-item\"\n                    data-title=\"Produk Keuangan\"\n                    data-content=\"&lt;p&gt;Mengacu pada berbagai layanan, instrumen, atau solusi yang disediakan untuk memenuhi kebutuhan keuangan oleh Mitra Finansial kepada konsumen yang memenuhi syarat yang ditetapkan oleh Mitra Finansial yang tersedia di Platform Ringkas.&lt;\/p&gt;\">\n                    Produk Keuangan                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"Mitra\"\n                    data-content=\"&lt;p&gt;Berarti Mitra Properti, atau Mitra Finansial, dan\/atau mitra lainnya.&lt;\/p&gt;\">\n                    Partners                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"Mitra Properti\"\n                    data-content=\"&lt;p&gt;Berarti pihak penjual properti baik sebagai pengembang properti atau agen penjualan properti atau perorangan.&lt;\/p&gt;\">\n                    Mitra Properti                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"Mitra Finansial\"\n                    data-content=\"&lt;p&gt;Setiap bank atau lembaga pembiayaan (\u201cLembaga Jasa Keuangan\u201d) yang telah bekerjasama dengan Ringkas dan menyediakan produk-produk keuangan yang dapat diakses oleh Pengguna melalui Platform.&lt;\/p&gt;\">\n                    Mitra Finansial                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"KPR\"\n                    data-content=\"&lt;p&gt;Fasilitas pinjaman\/kredit dari bank atau lembaga pembiayaan yang diberikan kepada individu untuk membeli rumah, apartemen, ruko, atau properti lainnya. Nasabah membayar kembali pinjaman tersebut melalui cicilan bulanan selama jangka waktu tertentu, biasanya antara 5 sampai 30 tahun, dengan bunga sesuai ketentuan bank.&lt;\/p&gt;\">\n                    KPR                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"KPR Konvensional\"\n                    data-content=\"&lt;p&gt;Jenis Kredit Pemilikan Rumah yang diberikan oleh bank atau lembaga pembiayaan dengan skema pembiayaan berbunga. Dalam KPR konvensional, peminjam akan membayar cicilan pokok ditambah bunga yang ditetapkan. Skema ini berlaku untuk pembelian properti baru (&lt;em&gt;primary&lt;\/em&gt;), properti seken (&lt;em&gt;secondary&lt;\/em&gt;), atau produk lainnya.&lt;\/p&gt;\">\n                    Conventional KPR                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"KPR Syariah\"\n                    data-content=\"&lt;p&gt;Kredit Pemilikan Rumah yang menggunakan prinsip-prinsip syariah Islam dalam pembiayaannya. Dalam pembiayaan KPR Syariah, bank atau lembaga pembiayaan akan menggunakan prinsip margin dari pada suku bunga yang dipakai pada KPR Konvensional.  &lt;\/p&gt;\">\n                    KPR Syariah                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"KPR Properti Baru\"\n                    data-content=\"&lt;p&gt;Jenis KPR ini ditujukan untuk pembeli yang ingin memiliki properti  baru dari proyek properti  yang sedang atau akan dibangun. Properti baru merujuk pada jenis properti yang belum pernah dihuni sebelumnya, atau yang dijual langsung oleh pengembang\/developer sebagai bagian dari proyek properti baru.&lt;\/p&gt;\">\n                    KPR Properti Baru                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"KPR Properti Seken\"\n                    data-content=\"&lt;p&gt;Jenis KPR yang digunakan untuk membeli properti yang sudah pernah dihuni atau dimiliki oleh orang lain, bukan properti baru yang langsung dijual oleh pengembang. Dalam hal ini, istilah &#8220;&lt;em&gt;seken&lt;\/em&gt;&#8221; merujuk pada properti yang dijual kembali oleh pemilik sebelumnya atau melalui agen properti.&lt;\/p&gt;\">\n                    KPR Properti Seken                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"KPR Take Over\"\n                    data-content=\"&lt;p&gt;Merupakan pengalihan fasilitas kredit yang sedang berlangsung di suatu bank atau lembaga pembiayaan kepada bank atau lembaga pembiayaan lainnya.&lt;\/p&gt;\">\n                    KPR Take Over                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"KPR Take Over dan Top Up\"\n                    data-content=\"&lt;p&gt;Take Over dan Top Up adalah pengalihan kredit dari suatu bank ke bank lain yang disertai dengan penambahan plafon kredit yang sudah ada. Ini biasanya dilakukan ketika peminjam membutuhkan dana tambahan setelah menjalani beberapa tahun pembayaran sebelumnya. Bank atau lembaga pembiayaan akan menambahkan jumlah kredit baru di atas sisa utang yang ada, sehingga peminjam bisa mendapatkan dana tambahan tanpa harus membuat pinjaman baru yang terpisah. Top Up sering ditawarkan dalam proses Take Over untuk memberikan fleksibilitas keuangan lebih bagi peminjam.&lt;\/p&gt;\">\n                    KPR Take Over dan Top Up                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"Kredit Agunan Properti (Multiguna)\"\n                    data-content=\"&lt;p&gt;Jenis kredit yang memungkinkan peminjam untuk mendapatkan dana dengan menjaminkan aset. Dalam konteks properti, aset yang dijaminkan akan menjadi agunan bagi pinjaman tersebut. Dana yang didapatkan dari kredit Multiguna dapat digunakan untuk berbagai keperluan, seperti renovasi properti, pendidikan, modal usaha, biaya kesehatan, atau kebutuhan lainnya.&lt;\/p&gt;\">\n                    Kredit Agunan Properti (Multiguna)                  <\/div>\n                            <\/div>\n          <\/div>\n\n        \n          <div class=\"faq-category\">\n            <h3>\n              3. Jenis Produk Keuangan pada platform Ringkas              <span class=\"toggle-icon\">+<\/span>\n            <\/h3>\n\n            <div class=\"faq-list\">\n                                <div class=\"faq-item\"\n                    data-title=\"Apa saja jenis Produk Keuangan yang tersedia  pada platform  Ringkas?\"\n                    data-content=\"&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Saat ini, Ringkas memfasilitasi pengajuan Produk Keuangan dari Mitra Finansial untuk:&lt;\/span&gt;&lt;\/p&gt;&lt;ol&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;KPR Properti Baru&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;KPR Properti Seken&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;KPR Take Over&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;KPR Take Over dan Top Up&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Kredit Agunan Properti (Multiguna)&lt;\/span&gt;&lt;\/li&gt;&lt;\/ol&gt;\">\n                    Apa saja jenis Produk Keuangan yang tersedia  pada platform  Ringkas?                  <\/div>\n                            <\/div>\n          <\/div>\n\n        \n          <div class=\"faq-category\">\n            <h3>\n              4. Akun dan Pengajuan Produk              <span class=\"toggle-icon\">+<\/span>\n            <\/h3>\n\n            <div class=\"faq-list\">\n                                <div class=\"faq-item\"\n                    data-title=\"Bagaimana cara mendaftar akun Ringkas?\"\n                    data-content=\"&lt;ol&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Pergi ke &lt;\/span&gt;&lt;a href=&quot;https:\/\/app.ringkas.co.id\/&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;https:\/\/app.ringkas.co.id\/&lt;\/span&gt;&lt;\/a&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Klik tombol Masuk.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Anda akan melihat instruksi dimana Anda dapat mendaftarkan diri jika sebelumnya Anda memang belum mempunyai akun Ringkas.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Klik tombol Daftar.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Isi nama lengkap sesuai KTP dan nomor ponsel\u00a0 atau email.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Verifikasi nomor ponsel\u00a0 atau email yang ingin didaftarkan dengan memasukkan kode OTP yang dikirimkan ke nomor ponsel\u00a0 atau email Anda.&lt;\/span&gt;&lt;\/li&gt;&lt;\/ol&gt;\">\n                    Bagaimana cara mendaftar akun Ringkas?                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"Bagaimana cara mengajukan Produk Keuangan melalui Ringkas?\"\n                    data-content=\"&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Berikut merupakan cara mudah mengajukan Produk Keuangan:&lt;\/span&gt;&lt;\/p&gt;&lt;ol&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Buka &lt;\/span&gt;&lt;a href=&quot;https:\/\/app.ringkas.co.id\/&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;https:\/\/app.ringkas.co.id\/&lt;\/span&gt;&lt;\/a&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Klik Masuk atau daftar, lalu klik Daftar untuk membuat akun.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Masukkan nama lengkap dan nomor ponsel Anda, kemudian masukkan kode OTP yang kami kirim ke nomor Anda.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Upload KTP dan selfie untuk verifikasi akun.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Periksa hasil verifikasi Anda.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Pilih Produk Keuangan yang Anda minati.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Ikuti instruksi dan isi detail pengajuan.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Upload dokumen untuk pengajuan.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Tunggu hingga Ringkas mengirim pengajuan ke Mitra Finansial.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Pantau status pengajuan Anda secara berkala.&lt;\/span&gt;&lt;\/li&gt;&lt;\/ol&gt;\">\n                    Bagaimana cara mengajukan Produk Keuangan melalui Ringkas?                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"Apa yang harus saya lakukan jika saya tidak dapat masuk ke akun saya?\"\n                    data-content=\"&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Jika terdapat kendala saat mencoba masuk ke akun Anda, mohon perhatikan hal berikut:&lt;\/span&gt;&lt;\/p&gt;&lt;ol&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Pastikan email atau nomor ponsel sudah sesuai.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Pastikan koneksi internet Anda dalam keadaan stabil.&lt;\/span&gt;&lt;\/li&gt;&lt;\/ol&gt;&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Jika Anda masih memiliki kendala, silakan hubungi Ringkas Care.&lt;\/span&gt;&lt;\/p&gt;\">\n                    Apa yang harus saya lakukan jika saya tidak dapat masuk ke akun saya?                  <\/div>\n                            <\/div>\n          <\/div>\n\n        \n          <div class=\"faq-category\">\n            <h3>\n              5. Layanan Ringkas              <span class=\"toggle-icon\">+<\/span>\n            <\/h3>\n\n            <div class=\"faq-list\">\n                                <div class=\"faq-item\"\n                    data-title=\"Apakah layanan Ringkas berbayar?\"\n                    data-content=\"&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Layanan Ringkas dapat digunakan secara gratis oleh pengguna, termasuk untuk akses dan\/atau fitur-fitur terkait pada platform. Namun, perlu Anda ketahui bahwa dalam proses pengajuan Produk Keuangan kepada Mitra Finansial, pengguna tetap perlu menanggung biaya yang mungkin dikenakan oleh Mitra Finansial kami sehubungan dengan proses dan\/atau administrasi pengajuan Produk Keuangan yang Anda pilih. Jenis dan besaran biaya dapat berbeda-beda tergantung pada kebijakan masing-masing Mitra Finansial dan sepenuhnya merupakan kewenangan Mitra Finansial. &lt;\/span&gt;&lt;\/p&gt;\">\n                    Apakah layanan Ringkas berbayar?                  <\/div>\n                            <\/div>\n          <\/div>\n\n        \n          <div class=\"faq-category\">\n            <h3>\n              6. Pengajuan Saya              <span class=\"toggle-icon\">+<\/span>\n            <\/h3>\n\n            <div class=\"faq-list\">\n                                <div class=\"faq-item\"\n                    data-title=\"Bagaimana cara saya memantau pengajuan saya?\"\n                    data-content=\"&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;I. Buka &lt;\/span&gt;&lt;a href=&quot;https:\/\/app.ringkas.co.id\/&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;https:\/\/app.ringkas.co.id\/&lt;\/span&gt;&lt;\/a&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;.&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;&lt;br \/&gt;&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;II. Klik Masuk atau daftar, lalu masuk dengan akun Anda.&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;&lt;br \/&gt;&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;III. Pastikan Anda telah memiliki pengajuan aktif.&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;&lt;br \/&gt;&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;IV. Anda akan melihat pengajuan\u00a0 beserta status di halaman utama.&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;&lt;br \/&gt;&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;V. Status pengajuan mengindikasikan progress pengajuan secara &lt;\/span&gt;&lt;i&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;real-time&lt;\/span&gt;&lt;\/i&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;.&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;&lt;br \/&gt;&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;VI. Untuk informasi lebih lanjut, Anda dapat klik tombol Menu di pojok kiri atas, dan pilih Pengajuan saya.&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;&lt;br \/&gt;&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;VII. Anda akan melihat daftar seluruh pengajuan aktif, klik salah satu pengajuan untuk melihat detail.&lt;\/span&gt;&lt;\/p&gt;\">\n                    Bagaimana cara saya memantau pengajuan saya?                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"Peran Ringkas\"\n                    data-content=\"&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Ringkas membantu Anda membandingkan berbagai Produk Keuangan agar lebih mudah menentukan pilihan yang sesuai dengan kebutuhan. Selain itu, Ringkas menyediakan satu platform terpusat untuk mengunggah dokumen, sehingga Anda tidak perlu berulang kali mengisi atau menyerahkan dokumen ke masing-masing Mitra Finansial. Setelah dokumen yang diperlukan diunggah, Anda dapat langsung memilih dan mengajukan ke beberapa Mitra Finansial sekaligus melalui platform Ringkas.&lt;\/span&gt;&lt;\/p&gt;\">\n                    Peran Ringkas                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"Bagaimana cara untuk membuat pengajuan Produk Keuangan kedua dan berikutnya di waktu yang berbeda melalui Ringkas?\"\n                    data-content=\"&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Untuk saat ini, pengajuan kredit kedua dan seterusnya akan dibantu oleh tim Ringkas Care yang dapat Anda hubungi melalui WhatsApp. Fitur ini sedang kami kembangkan agar segera bisa digunakan langsung di platform. &lt;\/span&gt;&lt;\/p&gt;\">\n                    Bagaimana cara untuk membuat pengajuan Produk Keuangan kedua dan berikutnya di waktu yang berbeda melalui Ringkas?                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"Berapa lama proses pengajuan hingga mendapatkan keputusan?\"\n                    data-content=\"&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Proses pengajuan sangat bergantung pada kelengkapan dokumen dan data yang Anda berikan. Setelah pengecekan kelengkapan, Ringkas akan mengirimkan pengajuan ke Mitra Finansial paling lambat 2 hari kerja setelah semua dokumen lengkap diterima. Untuk keputusan akhir dari Mitra Finansial, waktunya bisa berbeda-beda sesuai kebijakan masing-masing Mitra Finansial. Namun, Ringkas akan selalu melakukan &lt;\/span&gt;&lt;i&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;follow-up&lt;\/span&gt;&lt;\/i&gt;&lt;span style=&quot;font-weight: 400&quot;&gt; secara berkala agar keputusan dapat diberikan secepat mungkin.&lt;\/span&gt;&lt;\/p&gt;\">\n                    Berapa lama proses pengajuan hingga mendapatkan keputusan?                  <\/div>\n                            <\/div>\n          <\/div>\n\n        \n          <div class=\"faq-category\">\n            <h3>\n              7. Riwayat Kredit              <span class=\"toggle-icon\">+<\/span>\n            <\/h3>\n\n            <div class=\"faq-list\">\n                                <div class=\"faq-item\"\n                    data-title=\"Apa itu Riwayat Kredit?\"\n                    data-content=\"&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Riwayat kredit adalah catatan mengenai pinjaman atau fasilitas pembiayaan yang pernah dan\/atau sedang dimiliki seseorang atau institusi tertentu pada lembaga jasa keuangan, termasuk identitas, riwayat pembayaran angsuran, informasi mengenai fasilitas kredit\/pembiayaan, serta status kolektibilitas kredit.&lt;\/span&gt;&lt;\/p&gt;\">\n                    Apa itu Riwayat Kredit?                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"Kategori Kolektibilitas Kredit\"\n                    data-content=\"&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Kolektibilitas Kredit dapat dikategorikan sebagai berikut:&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;&lt;br \/&gt;&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;KOL 1: 0 hari terlambat pembayaran, disebut \u201cLancar\u201d.&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;&lt;br \/&gt;&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;KOL 2: 1-90 hari terlambat pembayaran, disebut \u201cDalam Perhatian Khusus\u201d.&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;&lt;br \/&gt;&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;KOL 3: 91-120 hari terlambat pembayaran, disebut \u201cKurang Lancar\u201d.&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;&lt;br \/&gt;&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;KOL 4: 121-180 hari terlambat pembayaran, disebut \u201cDiragukan\u201d.&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;&lt;br \/&gt;&lt;\/span&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;KOL 5: &gt;180 hari terlambat pembayaran, disebut \u201cMacet\u201d.&lt;\/span&gt;&lt;\/p&gt;\">\n                    Kategori Kolektibilitas Kredit                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"Sumber Data Riwayat Kredit\"\n                    data-content=\"&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Riwayat kredit Anda kami peroleh melalui kerja sama resmi dengan PT CRIF Lembaga Informasi Keuangan (CLIK) sebagai Mitra penyedia informasi kredit kami.&lt;\/span&gt;&lt;\/p&gt;\">\n                    Sumber Data Riwayat Kredit                  <\/div>\n                            <\/div>\n          <\/div>\n\n        \n          <div class=\"faq-category\">\n            <h3>\n              8. Mitra Ringkas              <span class=\"toggle-icon\">+<\/span>\n            <\/h3>\n\n            <div class=\"faq-list\">\n                                <div class=\"faq-item\"\n                    data-title=\"Mulai kerja sama dengan Ringkas sebagai Mitra\"\n                    data-content=\"&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Untuk mulai menjalin kerja sama dengan Ringkas sebagai Mitra, Anda dapat:&lt;\/span&gt;&lt;\/p&gt;&lt;ol&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Pergi ke&lt;\/span&gt;&lt;a href=&quot;https:\/\/ringkas.co.id\/partners&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt; https:\/\/ringkas.co.id\/partners&lt;\/span&gt;&lt;\/a&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Klik Jadi Mitra.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Isi data yang diminta pada formulir pengajuan Mitra.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Buat janji dengan PIC Ringkas.&lt;\/span&gt;&lt;\/li&gt;&lt;\/ol&gt;\">\n                    Mulai kerja sama dengan Ringkas sebagai Mitra                  <\/div>\n                            <\/div>\n          <\/div>\n\n        \n          <div class=\"faq-category\">\n            <h3>\n              9. Layanan Konsumen              <span class=\"toggle-icon\">+<\/span>\n            <\/h3>\n\n            <div class=\"faq-list\">\n                                <div class=\"faq-item\"\n                    data-title=\"Bagaimana cara mengajukan pertanyaan, permintaan bantuan, atau menyampaikan keluhan?\"\n                    data-content=\"&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Anda dapat menghubungi kami melalui channel berikut.&lt;\/span&gt;&lt;\/p&gt;&lt;ol&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Email: &lt;\/span&gt;&lt;a href=&quot;mailto:ssupport@ringkas.co.id&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;support@ringkas.co.id&lt;\/span&gt;&lt;\/a&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;WhatsApp Ringkas Care: &lt;\/span&gt;&lt;a href=&quot;https:\/\/wa.link\/2q5tmw&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;+62 811 1150 288&lt;\/span&gt;&lt;\/a&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Ringkas HOTLINE: 150 288\u00a0&lt;\/span&gt;&lt;\/li&gt;&lt;\/ol&gt;&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Jam operasional: Setiap hari, pukul 09:00 &#8211; 18:00 WIB.&lt;\/span&gt;&lt;\/p&gt;\">\n                    Bagaimana cara mengajukan pertanyaan, permintaan bantuan, atau menyampaikan keluhan?                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"Jika saya menyampaikan pertanyaan, permintaan bantuan, atau keluhan di luar jam operasional, apakah Ringkas Care akan tetap merespons?\"\n                    data-content=\"&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Semua pertanyaan, permintaan bantuan, maupun keluhan Anda akan tetap tercatat meskipun disampaikan di luar jam operasional. Tim Ringkas Care akan menindaklanjuti dan memberikan respon pada jam operasional berikutnya.&lt;\/span&gt;&lt;\/p&gt;\">\n                    Jika saya menyampaikan pertanyaan, permintaan bantuan, atau keluhan di luar jam operasional, apakah Ringkas Care akan tetap merespons?                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"Bagaimana saya dapat mengetahui status permohonan atau keluhan saya?\"\n                    data-content=\"&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Anda dapat menanyakan status permohonan atau keluhan kapan saja dengan menghubungi Ringkas Care. Tim Ringkas Care akan memberikan informasi terbaru mengenai proses penanganan, baik yang masih berlangsung maupun yang sudah selesai ditindaklanjuti, sesuai dengan ketentuan yang berlaku.&lt;\/span&gt;&lt;\/p&gt;\">\n                    Bagaimana saya dapat mengetahui status permohonan atau keluhan saya?                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"Bagaimana pengajuan permohonan atau keluhan saya diproses? Apakah bisa ditolak?\"\n                    data-content=\"&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Setiap permohonan atau keluhan akan diproses sesuai kasusnya. Ringkas mungkin meminta dokumen tambahan dan melakukan verifikasi sebelum ditindaklanjuti. Namun, perlu diketahui bahwa ada kondisi tertentu di mana permohonan atau keluhan tidak dapat diproses, misalnya dokumen yang diminta tidak lengkap, hasil verifikasi tidak sesuai, sudah pernah diselesaikan sebelumnya, tidak terkait dengan layanan Ringkas, atau sedang dalam proses hukum.&lt;\/span&gt;&lt;\/p&gt;\">\n                    Bagaimana pengajuan permohonan atau keluhan saya diproses? Apakah bisa ditolak?                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"Berapa lama waktu yang dibutuhkan hingga Ringkas Care dapat menyelesaikan permohonan atau keluhan saya?\"\n                    data-content=\"&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Waktu penyelesaian permohonan atau keluhan dapat berbeda-beda tergantung pada kasus dan kelengkapan dokumen yang disampaikan. Meskipun demikian, Ringkas berkomitmen untuk menyelesaikan setiap permohonan maupun keluhan konsumen secepat mungkin, dengan tetap mematuhi ketentuan yang berlaku.\u00a0&lt;\/span&gt;&lt;\/p&gt;\">\n                    Berapa lama waktu yang dibutuhkan hingga Ringkas Care dapat menyelesaikan permohonan atau keluhan saya?                  <\/div>\n                            <\/div>\n          <\/div>\n\n        \n          <div class=\"faq-category\">\n            <h3>\n              10. Batasan Peran dan Tanggung Jawab Ringkas              <span class=\"toggle-icon\">+<\/span>\n            <\/h3>\n\n            <div class=\"faq-list\">\n                                <div class=\"faq-item\"\n                    data-title=\"Informasi Umum dan Disclaimer\"\n                    data-content=\"&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Ringkas adalah penyelenggara layanan agregasi jasa keuangan yang berfungsi sebagai platform untuk membantu pengguna dalam membandingkan serta mengajukan berbagai produk keuangan dari Mitra Finansial. Perlu dipahami bahwa setiap produk keuangan yang diajukan melalui Ringkas sepenuhnya berada di bawah kepemilikan, kewenangan, dan tanggung jawab Mitra Finansial terkait. Dengan demikian, Ringkas tidak memiliki kewenangan untuk mengubah syarat, memberikan jaminan, ataupun menjanjikan hasil atas produk keuangan yang ditawarkan dan disediakan oleh Mitra Finansial.&lt;\/span&gt;&lt;\/p&gt;\">\n                    Informasi Umum dan Disclaimer                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"Apa yang menjadi tanggung jawab Ringkas?\"\n                    data-content=\"&lt;ol&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;b&gt;Layanan platform&lt;\/b&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;: Ringkas bertanggung jawab atas fungsi sistem, keamanan data di platform, dan penyampaian informasi secara transparan kepada konsumen sesuai regulasi yang berlaku.\u00a0&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;b&gt;Pengajuan dan penanganan permohonan atau keluhan&lt;\/b&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;: Segala permohonan atau keluhan akan dicatat, ditindaklanjuti sesuai prosedur internal, dan diurus secara adil dan transparan.\u00a0&lt;\/span&gt;&lt;\/li&gt;&lt;\/ol&gt;\">\n                    Apa yang menjadi tanggung jawab Ringkas?                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"Klaim dan Kompensasi\"\n                    data-content=\"&lt;p&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;Ringkas dapat membuka kemungkinan penyelesaian dan kompensasi dalam kondisi tertentu, seperti adanya pelanggaran keamanan atau kebocoran data pribadi akibat kelalaian dari pihak Ringkas. Dalam situasi tersebut, Ringkas akan melakukan investigasi dan memberikan langkah penyelesaian atau kompensasi yang wajar sesuai ketentuan yang berlaku. Namun, perlu diperhatikan bahwa karena layanan Ringkas tidak dipungut biaya, bentuk kompensasi finansial mungkin terbatas dan disesuaikan dengan kondisi yang terjadi.&lt;\/span&gt;&lt;\/p&gt;\">\n                    Klaim dan Kompensasi                  <\/div>\n                                  <div class=\"faq-item\"\n                    data-title=\"Apa yang bukan menjadi tanggung jawab Ringkas?\"\n                    data-content=\"&lt;ol&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;b&gt;Risiko produk dan layanan Mitra&lt;\/b&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;: Ringkas tidak bertanggung jawab atas risiko finansial, manfaat, atau kerugian akibat produk atau layanan dari Mitra.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;b&gt;Keputusan dan Ketentuan yang diberikan Mitra&lt;\/b&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;: Ringkas tidak bertanggung jawab atas keputusan, syarat, kebijakan, atau isi perjanjian\/kontrak yang ditetapkan oleh Mitra. Seluruh hak, kewajiban, serta hasil layanan sepenuhnya menjadi tanggung jawab Mitra terkait.&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;b&gt;Kerugian dari pihak ketiga&lt;\/b&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;: Ringkas tidak dapat dimintai pertanggungjawaban atas kerugian yang disebabkan oleh layanan eksternal (seperti sistem Mitra, jaringan internet, atau pihak ketiga lainnya).&lt;\/span&gt;&lt;\/li&gt;&lt;li style=&quot;font-weight: 400&quot;&gt;&lt;b&gt;Kerugian akibat kesalahan pengguna&lt;\/b&gt;&lt;span style=&quot;font-weight: 400&quot;&gt;: Ringkas tidak bertanggung jawab atas keterlambatan, penolakan, atau kerugian yang timbul akibat kesalahan pengisian data, kelalaian, atau ketidaklengkapan dokumen dari pihak pengguna.&lt;\/span&gt;&lt;\/li&gt;&lt;\/ol&gt;\">\n                    Apa yang bukan menjadi tanggung jawab Ringkas?                  <\/div>\n                            <\/div>\n          <\/div>\n\n        \n  <\/div>\n\n  <!-- \u2705 Right column -->\n  <div class=\"faq-content-area\" id=\"faq-content-area\">\n    <p><em>Pilih salah satu pertanyaan di kiri untuk melihat jawabannya.<\/em><\/p>\n  <\/div>\n<\/div>\n\n<script src=\"https:\/\/code.jquery.com\/jquery-3.6.0.min.js\"><\/script>\n<script>\njQuery(document).ready(function($) {\n  \/\/ Accordion toggle\n  $('.faq-category h3').on('click', function() {\n    var $list = $(this).next('.faq-list');\n    var isOpen = $list.is(':visible');\n\n    $('.faq-list').slideUp();\n    $('.toggle-icon').text('+');\n\n    if (!isOpen) {\n      $list.slideDown();\n      $(this).find('.toggle-icon').text('-');\n    }\n  });\n\n  \/\/ Show FAQ content in right column\n  $('.faq-item').on('click', function() {\n    var title = $(this).data('title');\n    var content = $(this).data('content');\n\n    \/\/ Highlight selected FAQ\n    $('.faq-item').removeClass('active');\n    $(this).addClass('active');\n\n    \/\/ Display content\n    $('#faq-content-area').html(`\n      <h2>${title}<\/h2>\n      <div class=\"faq-body\">${content}<\/div>\n    `);\n\n    \/\/ Smooth scroll for mobile\n    if (window.innerWidth < 768) {\n      $('html, body').animate({\n        scrollTop: $('#faq-content-area').offset().top - 20\n      }, 400);\n    }\n  });\n});\n<\/script>\n\n[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; 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