:root {
  --navy: #111827;
  --ink: #172033;
  --muted: #5b667a;
  --line: #e5e7eb;
  --soft: #f7fafc;
  --teal: #0f766e;
  --orange: #f97316;
  --green: #16a34a;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Poppins', -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: #fff;
  line-height: 1.72;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; height: auto; display: block; }
.container { width: min(1160px, calc(100% - 40px)); margin: 0 auto; }
.top-bar { background: var(--navy); color: #fff; font-size: 13px; padding: 9px 0; }
.top-bar .container { display: flex; justify-content: space-between; gap: 20px; align-items: center; }
.header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); border-bottom: 1px solid var(--line); backdrop-filter: blur(14px); }
.header-inner { min-height: 82px; display: flex; align-items: center; justify-content: space-between; gap: 22px; }
.logo { font-size: 26px; font-weight: 800; color: var(--navy); letter-spacing: 0; white-space: nowrap; }
.logo span { color: var(--teal); }
.nav { display: flex; align-items: center; gap: 18px; font-size: 15px; font-weight: 700; color: var(--navy); }
.nav a:hover { color: var(--teal); }
.cta-phone { display: inline-flex; align-items: center; justify-content: center; border-radius: 8px; padding: 13px 24px; background: var(--orange); color: #fff; font-weight: 800; }
.menu-toggle { display: none; width: 44px; height: 44px; border: 1px solid var(--line); border-radius: 8px; background: #fff; align-items: center; justify-content: center; flex-direction: column; gap: 5px; }
.menu-toggle span { width: 20px; height: 2px; background: var(--navy); display: block; }
.guide-hero { padding: 70px 0 42px; background: linear-gradient(180deg, #f8fbfb 0%, #fff 100%); border-bottom: 1px solid var(--line); }
.breadcrumb { display: flex; gap: 10px; align-items: center; justify-content: center; flex-wrap: wrap; color: var(--muted); font-size: 14px; margin-bottom: 22px; }
.breadcrumb a { color: var(--teal); font-weight: 700; }
.eyebrow { width: fit-content; margin: 0 auto 18px; border: 1px solid #b7e3de; background: #ecfdf5; color: #0f766e; border-radius: 999px; padding: 8px 16px; font-size: 13px; font-weight: 800; }
h1 { margin: 0 auto 20px; max-width: 940px; color: var(--navy); font-size: clamp(34px, 5vw, 58px); line-height: 1.12; text-align: center; letter-spacing: 0; }
.lead { max-width: 900px; margin: 0 auto 28px; text-align: center; font-size: 18px; color: var(--muted); }
.quick-actions { display: flex; justify-content: center; gap: 12px; flex-wrap: wrap; margin-top: 24px; }
.quick-actions a { border: 1px solid var(--line); border-radius: 8px; padding: 12px 16px; font-weight: 800; background: #fff; }
.quick-actions a.primary { background: var(--orange); color: #fff; border-color: var(--orange); }
.summary-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; margin-top: 34px; }
.summary-card { border: 1px solid var(--line); border-radius: 8px; padding: 18px; background: #fff; box-shadow: 0 12px 30px rgba(17,24,39,.06); }
.summary-card strong { display: block; color: var(--navy); font-size: 22px; line-height: 1.2; margin-bottom: 8px; }
.guide-body { padding: 54px 0 86px; }
.guide-layout { display: grid; grid-template-columns: 280px minmax(0, 1fr); gap: 44px; align-items: start; }
.toc { position: sticky; top: 106px; border: 1px solid var(--line); border-radius: 8px; padding: 20px; background: #fff; }
.toc h2 { font-size: 19px; margin: 0 0 12px; }
.toc a { display: block; color: var(--muted); padding: 8px 0; border-bottom: 1px solid #f1f5f9; font-size: 14px; }
.article { min-width: 0; }
.article section { padding: 22px 0; border-bottom: 1px solid #eef2f7; }
.article h2 { color: var(--navy); font-size: 31px; line-height: 1.2; margin: 0 0 16px; letter-spacing: 0; }
.article h3 { color: var(--navy); font-size: 22px; margin: 26px 0 10px; }
.article p { margin: 0 0 16px; color: #334155; }
.callout { border-left: 5px solid var(--teal); background: #f0fdfa; padding: 18px 20px; border-radius: 8px; margin: 20px 0; }
.warning { border-left-color: var(--orange); background: #fff7ed; }
.grid-two { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.info-card { border: 1px solid var(--line); border-radius: 8px; padding: 18px; background: var(--soft); }
.info-card h3 { margin-top: 0; }
table { width: 100%; border-collapse: collapse; margin: 20px 0 24px; overflow: hidden; border-radius: 8px; border: 1px solid var(--line); }
th, td { padding: 14px 16px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
th { background: #f8fafc; color: var(--navy); font-size: 14px; }
tr:last-child td { border-bottom: 0; }
.flow { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 12px; margin: 22px 0; }
.flow div { border: 1px solid var(--line); border-radius: 8px; padding: 16px; background: #fff; font-weight: 700; color: var(--navy); }
.faq details { border: 1px solid var(--line); border-radius: 8px; padding: 16px 18px; margin: 10px 0; background: #fff; }
.faq summary { cursor: pointer; color: var(--navy); font-weight: 800; }
.sources a { color: var(--teal); font-weight: 800; }
.footer { background: var(--navy); color: #d1d5db; padding: 54px 0 110px; }
.footer-brand-links { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 12px; margin: 24px 0; }
.footer-brand-links a { border: 1px solid rgba(255,255,255,.16); border-radius: 8px; padding: 13px 14px; text-align: center; color: #fff; font-weight: 800; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); padding-top: 18px; color: #9ca3af; font-size: 13px; }
.sticky-cta { position: fixed; left: 50%; bottom: 18px; transform: translateX(-50%); display: grid; grid-template-columns: 1fr 1fr; gap: 10px; width: min(760px, calc(100% - 28px)); padding: 10px; border-radius: 12px; background: #111827; box-shadow: 0 20px 50px rgba(0,0,0,.22); z-index: 60; }
.sticky-cta a { display: flex; align-items: center; justify-content: center; min-height: 54px; border-radius: 8px; color: #fff; font-weight: 900; }
.sticky-cta .call { background: var(--orange); }
.sticky-cta .wa { background: var(--green); }
@media (max-width: 980px) {
  .menu-toggle { display: inline-flex; }
  .nav { display: none; width: 100%; order: 5; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; padding: 12px 0 0; }
  .nav.is-open { display: grid; }
  .nav a { border: 1px solid var(--line); border-radius: 8px; padding: 12px; background: #fff; text-align: center; }
  .header-inner { flex-wrap: wrap; }
  .summary-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .guide-layout { grid-template-columns: 1fr; }
  .toc { position: static; }
}
@media (max-width: 640px) {
  .container { width: min(100% - 28px, 1160px); }
  .top-bar { display: none; }
  .cta-phone { display: none; }
  .guide-hero { padding-top: 44px; }
  .summary-grid, .grid-two, .flow { grid-template-columns: 1fr; }
  .article h2 { font-size: 26px; }
  table { display: block; overflow-x: auto; }
}