label.panel-label {
  -webkit-user-select: none;
  -moz-user-select: none;
  -ms-user-select: none;
  user-select: none;
  display: block;
  width: 100%;
  color: #6e7072;
  cursor: pointer;
  background-color: #ecf0f1;
  -webkit-transition-property: background-color, color;
  transition-property: background-color, color;
  -webkit-transition-duration: 200ms;
  transition-duration: 200ms;
}
label.panel-label:hover {
  color: #003399;
}

#panels {
  background-color: #e5fde0;
}
#panels .container {
  margin: 0 auto;
  width: 90%;
}
#panels section header label.panel-label {
  padding: 12px 24px;
  box-sizing: border-box;
}
#panels section main {
  box-sizing: border-box;
  max-height: 0;
  opacity: 0;
  -webkit-transition: opacity 600ms;
  transition: opacity 600ms;
  overflow-y: hidden;
}

#panel-1-ctrl:checked ~ #panels #panel-1 main {
  max-height: initial;
  opacity: 1;
  padding: 48px 24px;
}

#panel-2-ctrl:checked ~ #panels #panel-2 main {
  max-height: initial;
  opacity: 1;
  padding: 48px 24px;
}

#panel-3-ctrl:checked ~ #panels #panel-3 main {
  max-height: initial;
  opacity: 1;
  padding: 48px 24px;
}
#panel-4-ctrl:checked ~ #panels #panel-4 main {
  max-height: initial;
  opacity: 1;
  padding: 48px 24px;
}
#panel-5-ctrl:checked ~ #panels #panel-5 main {
  max-height: initial;
  opacity: 1;
  padding: 48px 24px;
}
#panel-1-ctrl:checked ~ #tabs-list #li-for-panel-1 {
  pointer-events: none;
  cursor: default;
  -webkit-transform: translate3d(0, 1px, 0);
  transform: translate3d(0, 1px, 0);
  box-shadow: none;
  border-right: none;
}
#panel-1-ctrl:checked ~ #tabs-list #li-for-panel-1.last {
  border-right: 1px solid transparent;
}
#panel-1-ctrl:checked ~ #tabs-list #li-for-panel-1 + li {
  border-left: 1px solid #dfdfdf;
}
#panel-1-ctrl:checked ~ #tabs-list #li-for-panel-1 label.panel-label {
  background-color: white;
  color: #003399;
  padding-top: 24px;
}
#panel-1-ctrl:checked ~ #tabs-list #li-for-panel-1 label.panel-label::after {
  height: 6px;
}

#panel-2-ctrl:checked ~ #tabs-list #li-for-panel-2 {
  pointer-events: none;
  cursor: default;
  -webkit-transform: translate3d(0, 1px, 0);
  transform: translate3d(0, 1px, 0);
  box-shadow: none;
  border-right: none;
}
#panel-2-ctrl:checked ~ #tabs-list #li-for-panel-2.last {
  border-right: 1px solid transparent;
}
#panel-2-ctrl:checked ~ #tabs-list #li-for-panel-2 + li {
  border-left: 1px solid #dfdfdf;
}
#panel-2-ctrl:checked ~ #tabs-list #li-for-panel-2 label.panel-label {
  background-color: white;
  color: #003399;
  padding-top: 24px;
}
#panel-2-ctrl:checked ~ #tabs-list #li-for-panel-2 label.panel-label::after {
  height: 6px;
}

#panel-3-ctrl:checked ~ #tabs-list #li-for-panel-3 {
  pointer-events: none;
  cursor: default;
  -webkit-transform: translate3d(0, 1px, 0);
  transform: translate3d(0, 1px, 0);
  box-shadow: none;
  border-right: none;
}
#panel-3-ctrl:checked ~ #tabs-list #li-for-panel-3.last {
  border-right: 1px solid transparent;
}
#panel-3-ctrl:checked ~ #tabs-list #li-for-panel-3 + li {
  border-left: 1px solid #dfdfdf;
}
#panel-3-ctrl:checked ~ #tabs-list #li-for-panel-3 label.panel-label {
  background-color: white;
  color: #003399;
  padding-top: 24px;
}
#panel-3-ctrl:checked ~ #tabs-list #li-for-panel-3 label.panel-label::after {
  height: 6px;
}
#panel-4-ctrl:checked ~ #tabs-list #li-for-panel-4 {
  pointer-events: none;
  cursor: default;
  -webkit-transform: translate3d(0, 1px, 0);
  transform: translate3d(0, 1px, 0);
  box-shadow: none;
  border-right: none;
}
#panel-4-ctrl:checked ~ #tabs-list #li-for-panel-4.last {
  border-right: 1px solid transparent;
}
#panel-4-ctrl:checked ~ #tabs-list #li-for-panel-4 + li {
  border-left: 1px solid #dfdfdf;
}
#panel-4-ctrl:checked ~ #tabs-list #li-for-panel-4 label.panel-label {
  background-color: white;
  color: #003399;
  padding-top: 24px;
}
#panel-4-ctrl:checked ~ #tabs-list #li-for-panel-4 label.panel-label::after {
  height: 6px;
}
#panel-5-ctrl:checked ~ #tabs-list #li-for-panel-5 {
  pointer-events: none;
  cursor: default;
  -webkit-transform: translate3d(0, 1px, 0);
  transform: translate3d(0, 1px, 0);
  box-shadow: none;
  border-right: none;
}
#panel-5-ctrl:checked ~ #tabs-list #li-for-panel-5.last {
  border-right: 1px solid transparent;
}
#panel-5-ctrl:checked ~ #tabs-list #li-for-panel-5 + li {
  border-left: 1px solid #dfdfdf;
}
#panel-5-ctrl:checked ~ #tabs-list #li-for-panel-5 label.panel-label {
  background-color: white;
  color: #003399;
  padding-top: 24px;
}
#panel-5-ctrl:checked ~ #tabs-list #li-for-panel-5 label.panel-label::after {
  height: 6px;
}
ul#tabs-list {
  display: flex;
  list-style: none;
  text-align: center;
  border-bottom: 1px solid #dfdfdf;
  margin: 0;
  padding: 0;
}
ul#tabs-list li {
  text-align: center;
  font-size: 1.44em;
  font-weight: 500; 
  width: 18%;
  box-shadow: 0px -2px 2px rgba(0, 0, 0, 0.05);
  border-right: 1px solid #dfdfdf;
  position: relative;
}
ul#tabs-list li:hover {
  -webkit-transition: none;
  transition: none;
  border-right: none;
}
ul#tabs-list li:hover.last {
  border-right: 1px solid transparent;
}
ul#tabs-list li:hover + li {
  border-left: 1px solid #dfdfdf;
}
ul#tabs-list li label.panel-label {
  position: relative;
  padding: 24px 0;
  font-size: 0.875em;
}
ul#tabs-list li label.panel-label::after {
  content: "";
  position: absolute;
  width: 100%;
  left: 0;
  bottom: 100%;
  background-color: #003399;
  height: 0;
  -webkit-transition-property: height;
  transition-property: height;
  -webkit-transition-duration: 200ms;
  transition-duration: 200ms;
}
ul#tabs-list li label.panel-label:hover {
  padding-top: 24px;
}
ul#tabs-list li label.panel-label:hover::after {
  height: 6px;
}

main {
    width: 70%;
    margin: 0 auto;
}
.panel-radios {
  display: none;
}



main p {
  line-height: 1.8;
}