.custom-panel {
    position: relative;
    margin-top: 35px;
    background: #fff;
    border: 1px solid #dce5ec;
    border-radius: 15px;
    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.08);
}

    /* Top blue line */
    .custom-panel::before {
        content: "";
        position: absolute;
        top: 0;
        left: 25px;
        right: 25px;
        height: 4px;
        background: #08a9df;
        border-radius: 0 0 5px 5px;
    }


/* Panel heading */
.panel-heading-custom {
    position: absolute;
    top: -18px;
    left: 50%;
    transform: translateX(-50%);
    min-width: 205px;
    padding: 8px 30px;
    background: #103d69;
    color: white;
    text-align: center;
    font-size: 18px;
    font-weight: 700;
    border-radius: 0 0 3px 3px;
    box-shadow: 0 4px 8px rgba(0,0,0,0.20);
}


/* Panel body */
.panel-body-custom {
    padding: 42px 42px 25px;
    color: #064475;
    font-size: 16px;
    line-height: 1.65;
    text-align: justify;
}

    .panel-body-custom p {
        margin-bottom: 18px;
    }

        .panel-body-custom p:last-child {
            margin-bottom: 0;
        }

    .panel-body-custom a {
        color: #0077a9;
        text-decoration: underline;
    }


/* Mobile */
@media (max-width: 576px) {

    .custom-panel {
        margin-top: 30px;
    }

    .panel-body-custom {
        padding: 40px 20px 20px;
        font-size: 14px;
    }

    .panel-heading-custom {
        min-width: 180px;
        padding: 7px 20px;
        font-size: 16px;
    }
}