:root{--red:#d71920;--ink:#151515;--muted:#60636a;--line:#e4e5e7;--soft:#f4f4f2;--dark:#111820}
*{box-sizing:border-box}body{margin:0;font-family:Geist,Arial,sans-serif;color:var(--ink);line-height:1.62;background:#fff}a{color:inherit}.guide-header{height:82px;display:flex;align-items:center;gap:30px;padding:0 clamp(20px,5vw,72px);border-bottom:1px solid var(--line);position:sticky;top:0;background:rgba(255,255,255,.97);z-index:10}.guide-header img{width:170px}.guide-header nav{display:flex;align-items:center;gap:24px;margin-left:auto}.guide-header nav a{text-decoration:none;font-size:14px;font-weight:700}.guide-header .cta,.btn{background:var(--red);color:#fff!important;padding:12px 18px;text-decoration:none;font-weight:800}.mobile-menu{display:none}.guide-hero{background:var(--dark);color:#fff;padding:72px clamp(20px,8vw,120px)}.guide-hero .wrap,.content,.quick,.final-cta{max-width:1180px;margin:auto}.crumb{font-size:13px;color:#c7cbd0}.crumb a{color:#fff}.eyebrow{font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--red);font-weight:900}.guide-hero h1{font-size:clamp(38px,6vw,70px);line-height:1.02;max-width:950px;margin:14px 0 22px}.guide-hero .lead{font-size:20px;max-width:850px;color:#d7dade}.updated{display:inline-block;margin-top:18px;border:1px solid #4b525b;padding:7px 11px;font-size:13px}.quick{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);margin-top:-1px}.quick a{background:#fff;padding:22px;text-decoration:none;font-weight:800}.quick a span{display:block;color:var(--red);font-size:12px;margin-bottom:4px}.content{display:grid;grid-template-columns:250px 1fr;gap:60px;padding:68px 24px}.toc{position:sticky;top:110px;align-self:start;border-left:3px solid var(--red);padding-left:20px}.toc a{display:block;text-decoration:none;color:var(--muted);padding:5px 0;font-size:14px}.article h2{font-size:34px;line-height:1.15;margin:64px 0 18px}.article h2:first-child{margin-top:0}.article h3{font-size:23px;margin:32px 0 10px}.article p,.article li{color:#3f4349}.article ul,.article ol{padding-left:22px}.article li{margin:7px 0}.notice{background:#fff4f4;border-left:4px solid var(--red);padding:20px 22px;margin:26px 0}.notice strong{display:block;color:var(--ink)}.cards{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.card{border:1px solid var(--line);padding:22px}.card h3{margin-top:0}.steps{counter-reset:s}.steps>li{list-style:none;position:relative;padding:0 0 24px 52px}.steps>li:before{counter-increment:s;content:counter(s,decimal-leading-zero);position:absolute;left:0;top:0;color:var(--red);font-weight:900}.rate-table{width:100%;border-collapse:collapse;margin:20px 0}.rate-table th,.rate-table td{padding:13px 14px;text-align:left;border:1px solid var(--line);vertical-align:top}.rate-table th{background:var(--dark);color:#fff}.rate-table tr:nth-child(even) td{background:var(--soft)}.source-links{background:var(--soft);padding:24px;margin-top:50px}.source-links a{display:block;color:#a20e13;margin:8px 0}.final-cta{margin:20px auto 70px;background:var(--dark);color:#fff;padding:42px;display:flex;gap:40px;align-items:center;justify-content:space-between}.final-cta h2{font-size:32px;margin:0 0 10px}.final-cta p{margin:0;color:#d7dade;max-width:720px}.site-footer{background:#090d12;color:#cbd0d5;padding:34px clamp(20px,8vw,120px);display:flex;justify-content:space-between;gap:30px}.site-footer a{color:#fff}.faq details{border-top:1px solid var(--line);padding:16px 0}.faq summary{cursor:pointer;font-weight:800}.faq details p{padding-right:30px}
@media(max-width:850px){.guide-header nav{display:none}.guide-header{height:auto;min-height:76px;flex-wrap:wrap;padding:14px 20px}.guide-header .cta{margin-left:auto}.mobile-menu{display:block;width:100%}.mobile-menu summary{font-weight:800}.mobile-menu a{display:block;padding:8px 0}.guide-hero{padding:50px 20px}.quick{grid-template-columns:1fr 1fr}.content{grid-template-columns:1fr;padding-top:42px}.toc{position:static}.cards{grid-template-columns:1fr}.final-cta{margin:20px 20px 50px;display:block;padding:30px}.final-cta .btn{display:inline-block;margin-top:22px}.rate-table{font-size:13px}.site-footer{display:block}.site-footer div+div{margin-top:18px}}