.skip-link{position:fixed;top:12px;left:12px;z-index:1000;transform:translateY(-160%);padding:10px 14px;border-radius:4px;background:var(--ink);color:#fff}
.skip-link:focus{transform:translateY(0)}
.guides-intro,.article-shell{padding:40px 0}
.section-heading{display:flex;align-items:end;justify-content:space-between;gap:32px;margin-bottom:1px}
.section-heading h2{max-width:700px;margin:0;font-size:clamp(2.3rem,4vw,3.8rem)}
.section-heading>p{max-width:410px;margin:0;color:var(--ink-soft)}
.guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.guide-card{display:flex;flex-direction:column;min-height:360px;padding:32px;border:1px solid var(--line);border-radius:var(--radius-lg);background:var(--paper);box-shadow:0 8px 28px rgba(23,54,47,.045);transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}.guide-card:hover{transform:translateY(-5px);border-color:rgba(181,138,73,.45);box-shadow:var(--shadow)}.guide-number{display:grid;place-items:center;width:52px;height:52px;margin-bottom:26px;border:1px solid rgba(181,138,73,.35);border-radius:50%;background:#fbf7ef;color:var(--gold);font-family:"Cormorant Garamond",serif;font-size:1.2rem;font-weight:700}.guide-card h2{margin:0 0 14px;font-size:clamp(1.65rem,2.3vw,2.15rem)}.guide-card p{color:var(--ink-soft)}.guide-card .card-link{display:inline-flex;align-items:center;gap:8px;margin-top:auto;padding-top:20px;color:var(--ink);font-weight:700}
.card-link::after{content:"→";color:var(--gold);transition:transform .18s ease}
.guide-card:hover .card-link::after{transform:translateX(4px)}
.article-shell{background:var(--paper)}
.article-layout{display:grid;grid-template-columns:minmax(0,760px) minmax(250px,320px);gap:72px;align-items:start}
.article-content h2{margin:58px 0 18px;font-size:clamp(2rem,3.5vw,3rem)}
.article-content h3{margin:32px 0 12px;font-size:clamp(1.45rem,2.5vw,2rem)}
.article-content p,
.article-content li{color:var(--ink-soft)}
.article-content ul,
.article-content ol{padding-left:22px}
.article-content li+li{margin-top:8px}
.quick-answer{margin-bottom:2px;padding:30px 32px;border-left:4px solid var(--gold);border-radius:4px;background:var(--cream)}
.quick-answer h2{margin:0 0 12px;font-size:1.55rem}
.quick-answer p{margin:0}
.toc{position:sticky;top:108px;padding:26px;border:1px solid var(--line);border-radius:var(--radius-md);background:var(--cream)}
.toc h2{margin:0 0 16px;font-size:1.45rem}.toc ol{margin:0;padding-left:20px}
.toc li+li{margin-top:9px}.toc a{color:var(--ink-soft);font-size:.91rem}
.toc a:hover{color:var(--gold)}
.step-list{display:grid;gap:14px;margin:24px 0}.step{display:grid;grid-template-columns:44px 1fr;gap:16px;padding:20px;border:1px solid var(--line);border-radius:var(--radius-md);background:var(--cream)}
.step-number{display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--sage);font-weight:800}
.step h3{margin:0 0 4px;font-size:1.25rem}.step p{margin:0}
.table-wrap{overflow-x:auto;margin:24px 0}table{width:100%;min-width:680px;border-collapse:collapse;border:1px solid var(--line)}th,td{padding:15px 16px;border:1px solid var(--line);text-align:left;vertical-align:top}th{background:var(--sage);color:var(--ink)}td{color:var(--ink-soft)}
.faq-list{display:grid;gap:10px}.faq-list details{border:1px solid var(--line);border-radius:4px;background:var(--cream)}.faq-list summary{cursor:pointer;padding:17px 20px;color:var(--ink);font-weight:700}.faq-list details p{padding:0 20px 18px;margin:0}.related-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.related-link{padding:20px;border:1px solid var(--line);border-radius:4px;background:var(--cream);font-weight:700}.related-link:hover{border-color:rgba(181,138,73,.45);color:var(--gold)}
.article-cta{margin-top:58px;padding:42px;border-radius:var(--radius-lg);background:var(--sage)}
.article-cta h2{margin:0 0 12px}.article-cta .button{margin-top:10px}
.button{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:12px 21px;border-radius:4px;background:var(--ink);color:#fff;font-weight:700}.button:hover{background:#244a41;transform:translateY(-2px)}
.disclaimer{padding:15px 0 20px}
.disclaimer p{margin:0;color:var(--ink-soft);font-size:.87rem}

@media(max-width:980px){.guide-grid{grid-template-columns:1fr}.guide-card{min-height:0}.article-layout{grid-template-columns:1fr;gap:42px}.toc{position:static;order:-1}.related-grid{grid-template-columns:1fr}}
@media(max-width:700px){
  .section-heading{display:block}
  .section-heading>p{margin-top:14px}
  .guides-intro,.article-shell{padding:48px 0}
  .quick-answer,.article-cta{padding:25px 22px}
  .step{grid-template-columns:1fr}
  .guide-grid{gap:18px}
  .guide-card{
    display:grid;
    grid-template-columns:56px minmax(0,1fr);
    column-gap:20px;
    row-gap:0;
    min-height:0;
    padding:27px 24px;
  }
  .guide-number{
    grid-column:1;
    grid-row:1 / span 3;
    width:56px;
    height:56px;
    margin:0;
    align-self:start;
  }
  .guide-card h2,
  .guide-card p,
  .guide-card .card-link{
    grid-column:2;
    min-width:0;
  }
  .guide-card h2{overflow-wrap:anywhere}
  .guide-card p{margin:0 0 12px}
  .guide-card .card-link{margin-top:0;padding-top:8px}
}


@media (max-width: 760px) {
  .article-shell .container {
    padding-left: 20px;
    padding-right: 20px;
  }

  .article-layout,
  .article-content {
    min-width: 0;
    max-width: 100%;
  }

  .table-wrap {
    width: 100%;
    max-width: 100%;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
  }

  .table-wrap table {
    min-width: 620px;
  }
}