:root {
  --guide-cream: #f4efe3;
  --guide-paper: #fffdf8;
  --guide-olive: #4f6047;
  --guide-olive-dark: #263026;
  --guide-ember: #c9533d;
  --guide-gold: #c79a3a;
  --guide-ink: #1b211a;
  --guide-muted: #697065;
  --guide-line: #ded8c9;
  --guide-shadow: 0 22px 64px rgba(46, 51, 39, .10);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--guide-cream);
  color: var(--guide-ink);
  font-family: var(--hotker-font);
}
a { color: inherit; text-decoration: none; }
button, input, select { font: inherit; }
button { cursor: pointer; }

.guide-site-header {
  position: sticky;
  z-index: 20;
  top: 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 72px;
  padding: 12px max(20px, calc((100vw - 1120px) / 2));
  border-bottom: 1px solid rgba(76, 86, 67, .13);
  background: rgba(255, 253, 248, .94);
  backdrop-filter: blur(18px);
}
.guide-brand { display: inline-flex; width: 148px; }
.guide-brand img { display: block; width: 100%; height: auto; }
.guide-site-header nav { display: flex; align-items: center; gap: 5px; }
.guide-site-header nav a {
  padding: 10px 12px;
  border-radius: 999px;
  color: #4e584a;
  font-size: 13px;
  font-weight: 850;
}
.guide-site-header nav a:hover { background: #ebe5d8; color: var(--guide-olive-dark); }

main { width: min(1120px, calc(100% - 36px)); margin: 22px auto 80px; }
.guide-breadcrumb {
  display: flex;
  gap: 8px;
  align-items: center;
  margin-bottom: 17px;
  color: var(--guide-muted);
  font-size: 13px;
}
.guide-hero {
  position: relative;
  isolation: isolate;
  display: grid;
  grid-template-columns: minmax(0, 1.5fr) minmax(260px, .5fr);
  gap: 46px;
  overflow: hidden;
  padding: 66px 58px;
  border-radius: 34px;
  background:
    radial-gradient(circle at 88% 14%, rgba(199, 154, 58, .35), transparent 27%),
    radial-gradient(circle at 62% 125%, rgba(201, 83, 61, .30), transparent 36%),
    linear-gradient(135deg, var(--guide-olive-dark), #384636 60%, #4f6047);
  color: #fffdf8;
  box-shadow: var(--guide-shadow);
}
.guide-hero::before {
  position: absolute;
  z-index: -1;
  top: -140px;
  right: -95px;
  width: 390px;
  height: 390px;
  border: 1px solid rgba(255, 255, 255, .14);
  border-radius: 50%;
  box-shadow: 0 0 0 52px rgba(255, 255, 255, .045), 0 0 0 105px rgba(255, 255, 255, .025);
  content: "";
}
.guide-eyebrow,
.guide-heading > span {
  display: block;
  margin: 0 0 12px;
  color: var(--guide-ember);
  font-size: 11px;
  font-weight: 1000;
  letter-spacing: .15em;
}
.guide-hero .guide-eyebrow { color: #f4b36f; }
.guide-hero h1 {
  max-width: 720px;
  margin: 0;
  font-size: clamp(40px, 5vw, 64px);
  line-height: 1.02;
  letter-spacing: -.065em;
}
.guide-hero h1 em { display: inline-block; color: #f5c66d; font-style: normal; white-space: nowrap; }
.guide-hero > div > p:not(.guide-eyebrow) {
  max-width: 650px;
  margin: 24px 0 18px;
  color: rgba(255, 253, 248, .76);
  font-size: 18px;
  line-height: 1.75;
}
.guide-hero small { color: rgba(255, 253, 248, .52); font-size: 12px; }
.guide-hero aside {
  align-self: end;
  padding: 24px;
  border: 1px solid rgba(255, 255, 255, .14);
  border-radius: 24px;
  background: rgba(255, 255, 255, .075);
  backdrop-filter: blur(12px);
}
.guide-hero aside span { color: #f5c66d; font-size: 10px; font-weight: 1000; letter-spacing: .14em; }
.guide-hero aside strong { display: block; margin: 11px 0; font-size: 25px; line-height: 1.25; letter-spacing: -.04em; }
.guide-hero aside p { margin: 0; color: rgba(255, 253, 248, .67); font-size: 13px; line-height: 1.65; }

.guide-section {
  margin-top: 24px;
  padding: 46px;
  border: 1px solid var(--guide-line);
  border-radius: 28px;
  background: var(--guide-paper);
  box-shadow: 0 10px 34px rgba(46, 51, 39, .045);
}
.guide-heading { margin-bottom: 24px; }
.guide-heading h2 {
  margin: 0;
  font-size: clamp(29px, 4vw, 44px);
  letter-spacing: -.055em;
}
.guide-heading > p {
  max-width: 720px;
  margin: 12px 0 0;
  color: var(--guide-muted);
  line-height: 1.7;
}
.guide-dual,
.guide-result-grid,
.guide-formula-list,
.guide-carrier-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}
.guide-dual article,
.guide-result-grid article,
.guide-formula-list article,
.guide-carrier-grid article {
  padding: 27px;
  border: 1px solid var(--guide-line);
  border-radius: 21px;
  background: #f8f4ea;
}
.guide-dual article:last-child { background: #eef1e7; }
.guide-dual b,
.guide-carrier-grid article > span { color: var(--guide-ember); font-size: 12px; font-weight: 1000; letter-spacing: .1em; }
.guide-dual h3,
.guide-formula-list h3,
.guide-carrier-grid h3 { margin: 11px 0 8px; font-size: 23px; letter-spacing: -.035em; }
.guide-dual p,
.guide-formula-list p,
.guide-carrier-grid p { color: var(--guide-muted); line-height: 1.7; }
.guide-dual code {
  display: block;
  margin-top: 18px;
  padding: 13px 15px;
  border-radius: 12px;
  background: var(--guide-olive-dark);
  color: #fff;
  font-family: inherit;
  font-size: 13px;
  font-weight: 800;
}
.guide-assumption {
  margin: -4px 0 19px;
  padding: 15px 18px;
  border-left: 4px solid var(--guide-gold);
  background: #f7efd9;
  color: #555b4c;
  line-height: 1.65;
}
.guide-result-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.guide-result-grid article { display: flex; flex-direction: column; gap: 8px; background: #f8f4ea; }
.guide-result-grid article.is-highlight { border-color: #d27663; background: #fbebe5; }
.guide-result-grid span { color: var(--guide-muted); font-size: 13px; font-weight: 750; }
.guide-result-grid strong { color: var(--guide-olive-dark); font-size: 30px; letter-spacing: -.045em; }
.guide-result-grid .is-highlight strong { color: var(--guide-ember); }
.guide-result-grid small { color: var(--guide-muted); line-height: 1.5; }
.guide-caveat,
.phone-faq-notice {
  margin: 20px 0 0;
  padding: 16px 18px;
  border-radius: 14px;
  background: #efede5;
  color: #63685f;
  font-size: 13px;
  line-height: 1.7;
}
.guide-formula-list article { display: flex; flex-direction: column; align-items: flex-start; }
.guide-formula-list strong { margin-top: auto; color: var(--guide-ember); font-size: 32px; letter-spacing: -.04em; }
.guide-formula-list a,
.guide-carrier-grid a {
  margin-top: 15px;
  color: var(--guide-olive);
  font-size: 13px;
  font-weight: 900;
  text-decoration: underline;
  text-underline-offset: 4px;
}
.guide-primary-link {
  display: inline-flex;
  margin-top: 20px;
  padding: 14px 19px;
  border-radius: 999px;
  background: var(--guide-ember);
  color: #fff;
  font-size: 14px;
  font-weight: 900;
}

.guide-faq details {
  border-top: 1px solid var(--guide-line);
}
.guide-faq details:last-child { border-bottom: 1px solid var(--guide-line); }
.guide-faq summary {
  position: relative;
  padding: 20px 42px 20px 2px;
  list-style: none;
  font-size: 18px;
  font-weight: 900;
  cursor: pointer;
}
.guide-faq summary::-webkit-details-marker { display: none; }
.guide-faq summary::after { position: absolute; right: 5px; content: "+"; color: var(--guide-ember); font-size: 25px; }
.guide-faq details[open] summary::after { content: "−"; }
.guide-faq details > p { max-width: 850px; margin: 0 0 22px; color: var(--guide-muted); line-height: 1.8; }

.guide-table-wrap { overflow-x: auto; }
.guide-table-wrap table { width: 100%; border-collapse: collapse; min-width: 820px; }
.guide-table-wrap th,
.guide-table-wrap td { padding: 17px 14px; border-bottom: 1px solid var(--guide-line); text-align: left; vertical-align: top; line-height: 1.55; }
.guide-table-wrap thead th { color: var(--guide-muted); font-size: 12px; }
.guide-table-wrap tbody th b,
.guide-table-wrap tbody th span { display: block; }
.guide-table-wrap tbody th b { color: var(--guide-ember); font-size: 18px; }
.guide-table-wrap tbody th span { margin-top: 4px; color: var(--guide-muted); font-size: 12px; }
.guide-table-wrap td strong { color: var(--guide-olive); font-size: 18px; }
.guide-carrier-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.guide-carrier-grid dl { margin: 18px 0 0; }
.guide-carrier-grid dl div { display: flex; justify-content: space-between; gap: 12px; padding: 9px 0; border-top: 1px solid var(--guide-line); }
.guide-carrier-grid dt { color: var(--guide-muted); font-size: 12px; }
.guide-carrier-grid dd { margin: 0; font-weight: 900; }
.guide-checklist ol {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  padding: 0;
  list-style: none;
}
.guide-checklist li { padding: 21px; border-radius: 18px; background: #eef1e7; }
.guide-checklist b { display: block; margin-bottom: 8px; color: var(--guide-ember); }
.guide-checklist span { color: var(--guide-muted); font-size: 13px; line-height: 1.6; }

.calculator-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(300px, .8fr);
  gap: 28px;
}
.penalty-form { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.penalty-form label { display: grid; gap: 7px; color: var(--guide-muted); font-size: 12px; font-weight: 850; }
.penalty-form input,
.penalty-form select {
  width: 100%;
  height: 48px;
  padding: 0 13px;
  border: 1px solid var(--guide-line);
  border-radius: 12px;
  background: #fff;
  color: var(--guide-ink);
}
.penalty-form input:focus,
.penalty-form select:focus { outline: 3px solid rgba(79, 96, 71, .2); border-color: var(--guide-olive); }
.penalty-form button {
  grid-column: 1 / -1;
  min-height: 50px;
  border: 0;
  border-radius: 14px;
  background: var(--guide-ember);
  color: #fff;
  font-weight: 950;
}
.penalty-result {
  display: flex;
  flex-direction: column;
  padding: 31px;
  border-radius: 24px;
  background: var(--guide-olive-dark);
  color: #fffdf8;
}
.penalty-result > span { color: #f5c66d; font-size: 10px; font-weight: 1000; letter-spacing: .14em; }
.penalty-result > p:first-of-type { margin: 24px 0 4px; color: rgba(255, 255, 255, .65); font-size: 13px; }
.penalty-result > strong { font-size: clamp(38px, 5vw, 55px); letter-spacing: -.06em; }
.penalty-result dl { margin: 24px 0 0; }
.penalty-result dl div { display: flex; justify-content: space-between; padding: 12px 0; border-top: 1px solid rgba(255, 255, 255, .13); }
.penalty-result dt { color: rgba(255, 255, 255, .58); }
.penalty-result dd { margin: 0; font-weight: 900; }
.penalty-result #penaltyResultFormula { margin: 18px 0 8px; color: #f5c66d; font-size: 15px; font-weight: 850; }
.penalty-result a { margin-top: auto; padding-top: 22px; font-weight: 900; }
.penalty-result small { margin-top: 15px; color: rgba(255, 255, 255, .55); line-height: 1.6; }
.penalty-result[data-state="error"] > strong { color: #ff9b88; }
.guide-howto ol { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; padding: 0; list-style: none; }
.guide-howto li { display: flex; gap: 13px; padding: 20px; border: 1px solid var(--guide-line); border-radius: 18px; }
.guide-howto li > span { color: var(--guide-ember); font-weight: 1000; }
.guide-howto strong { display: block; margin-bottom: 7px; }
.guide-howto p { margin: 0; color: var(--guide-muted); font-size: 13px; line-height: 1.6; }

.guide-footer {
  display: flex;
  justify-content: space-between;
  gap: 32px;
  padding: 34px max(20px, calc((100vw - 1120px) / 2));
  background: var(--guide-olive-dark);
  color: rgba(255, 253, 248, .68);
  font-size: 12px;
}
.guide-footer > div { display: flex; flex-wrap: wrap; gap: 7px 18px; max-width: 750px; }
.guide-footer strong { color: #fff; }
.guide-footer nav { display: flex; gap: 14px; white-space: nowrap; }

@media (max-width: 880px) {
  .guide-site-header { position: static; align-items: flex-start; gap: 12px; }
  .guide-site-header nav { flex-wrap: wrap; justify-content: flex-end; }
  .guide-hero { grid-template-columns: 1fr; padding: 48px 32px; }
  .guide-hero aside { max-width: 420px; }
  .guide-section { padding: 34px 28px; }
  .guide-result-grid,
  .guide-carrier-grid,
  .guide-checklist ol,
  .guide-howto ol { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .calculator-layout { grid-template-columns: 1fr; }
  .guide-footer { flex-direction: column; }
}
@media (max-width: 580px) {
  .guide-site-header { display: block; min-height: 0; padding: 14px 18px; }
  .guide-brand { width: 130px; }
  .guide-site-header nav { justify-content: flex-start; margin-top: 10px; gap: 2px; }
  .guide-site-header nav a { padding: 8px 9px; font-size: 11px; }
  main { width: min(100% - 24px, 1120px); margin-top: 14px; }
  .guide-breadcrumb { overflow-x: auto; white-space: nowrap; }
  .guide-hero { padding: 38px 23px; border-radius: 25px; }
  .guide-hero h1 { font-size: 42px; }
  .guide-hero > div > p:not(.guide-eyebrow) { font-size: 15px; }
  .guide-section { margin-top: 14px; padding: 26px 20px; border-radius: 22px; }
  .guide-heading h2 { font-size: 30px; }
  .guide-dual,
  .guide-result-grid,
  .guide-formula-list,
  .guide-carrier-grid,
  .guide-checklist ol,
  .guide-howto ol,
  .penalty-form { grid-template-columns: 1fr; }
  .guide-dual article,
  .guide-result-grid article,
  .guide-formula-list article,
  .guide-carrier-grid article { padding: 22px; }
  .penalty-result { min-height: 390px; padding: 25px; }
  .guide-footer nav { flex-wrap: wrap; white-space: normal; }
}