.guide-hero{background:linear-gradient(135deg,#0a315e 0%,#063b70 58%,#087f9f 100%);color:#fff;padding:72px 0 64px}.guide-hero h1{max-width:850px;margin:16px 0 18px;font-size:clamp(2.4rem,5vw,4.8rem);line-height:1.04;letter-spacing:-.04em}.guide-hero p{max-width:820px;font-size:1.12rem;line-height:1.85}.guide-meta{font-size:.9rem!important;color:#bcecf3;margin:22px 0}.guide-breadcrumb{display:flex;gap:9px;color:#d8f7fb}.guide-breadcrumb a{color:#fff}.guide-content{padding:52px 0 90px;background:#f8fcfd}.guide-layout{display:grid;grid-template-columns:230px minmax(0,1fr);gap:48px;align-items:start}.guide-toc{position:sticky;top:18px;display:grid;gap:11px;padding:20px;border:1px solid #c0e5ec;border-radius:18px;background:#fff;box-shadow:0 8px 20px rgba(5,47,95,.05)}.guide-toc strong{color:#063b70;margin-bottom:4px}.guide-toc a{color:#087e9f;text-decoration:none;line-height:1.45}.guide-article{max-width:880px}.guide-article h2{margin:38px 0 12px;color:#063b70;font-size:clamp(1.55rem,3vw,2.15rem);line-height:1.25}.guide-article p{color:#29465d;line-height:1.9;font-size:1.03rem}.direct-answer-faq,.source-note,.guide-cta{padding:28px 30px;margin-bottom:32px;border:1px solid #a9dfe8;border-left:5px solid #14afd0;border-radius:20px;background:#fff;box-shadow:0 10px 24px rgba(5,47,95,.06)}.direct-answer-faq h2{margin-top:6px}.guide-faq details{background:#fff;border-bottom:1px solid #d8edf1;padding:18px 20px}.guide-faq summary{cursor:pointer;font-weight:800;color:#063b70}.source-note ul{padding-left:22px;line-height:1.9}.source-note a{color:#087e9f}.guide-cta{background:#063b70;color:#fff;border-color:#063b70}.guide-cta h2,.guide-cta p{color:#fff}.guide-cta .btn{display:inline-block;margin-top:10px}.eyebrow{letter-spacing:.12em;font-weight:800;color:#0aa7cd;font-size:.78rem}@media(max-width:800px){.guide-hero{padding:48px 0 44px}.guide-layout{grid-template-columns:1fr;gap:24px}.guide-toc{position:static;order:-1}.guide-content{padding-top:30px}.guide-article p{font-size:1rem}.direct-answer-faq,.source-note,.guide-cta{padding:22px 20px}}@media(prefers-reduced-motion:no-preference){.guide-hero .btn,.guide-cta .btn{transition:transform .16s ease-out,box-shadow .16s ease-out}.guide-hero .btn:hover,.guide-cta .btn:hover{transform:translateY(-2px);box-shadow:0 10px 22px rgba(8,126,159,.25)}}