@font-face {
  font-family: "Manrope";
  src: url("/landing-assets/fonts/manrope-400.woff2") format("woff2");
  font-weight: 400;
  font-display: swap;
}

@font-face {
  font-family: "Manrope";
  src: url("/landing-assets/fonts/manrope-600.woff2") format("woff2");
  font-weight: 600;
  font-display: swap;
}

@font-face {
  font-family: "Manrope";
  src: url("/landing-assets/fonts/manrope-700.woff2") format("woff2");
  font-weight: 700;
  font-display: swap;
}

@font-face {
  font-family: "Sora";
  src: url("/landing-assets/fonts/sora-600.woff2") format("woff2");
  font-weight: 600;
  font-display: swap;
}

.guide-page {
  background: #fbfcfc;
}

.guide-page .site-header {
  background: rgba(255, 255, 255, 0.96);
}

.guide-hero {
  position: relative;
  overflow: clip;
  background:
    radial-gradient(circle at 8% 20%, rgba(20, 155, 144, 0.12), transparent 32%),
    radial-gradient(circle at 91% 14%, rgba(47, 133, 123, 0.09), transparent 30%),
    linear-gradient(180deg, #fbfdfc 0%, #f1f6f4 100%);
}

.guide-hero::after {
  position: absolute;
  right: -220px;
  bottom: -300px;
  width: 520px;
  height: 520px;
  border: 1px solid rgba(15, 126, 116, 0.14);
  border-radius: 50%;
  content: "";
}

.guide-hero-grid {
  min-height: 620px;
  display: grid;
  grid-template-columns: minmax(0, 1.12fr) minmax(350px, 0.88fr);
  align-items: center;
  gap: 76px;
  padding-block: 76px 84px;
}

.guide-hero-copy {
  position: relative;
  z-index: 1;
  max-width: 700px;
}

.guide-page h1 {
  max-width: 780px;
  font-size: clamp(46px, 4.4vw, 60px);
  line-height: 1.08;
}

.guide-lead {
  max-width: 650px;
  margin: 25px 0 0;
  color: var(--ink-600);
  font-size: 18px;
  line-height: 1.7;
}

.guide-hero-actions {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-top: 30px;
}

.guide-jump-link,
.inline-cta,
.closing-secondary {
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  color: var(--brand-700);
  font-weight: 700;
  text-decoration-thickness: 1px;
  text-underline-offset: 4px;
}

.article-meta {
  margin: 14px 0 0;
  color: var(--ink-500);
  font-size: 12px;
  line-height: 1.65;
}

.start-card {
  position: relative;
  z-index: 1;
  border: 1px solid rgba(255, 255, 255, 0.9);
  border-top: 5px solid var(--brand-600);
  border-radius: var(--radius-lg);
  background: rgba(255, 255, 255, 0.97);
  padding: 30px;
  box-shadow: var(--shadow);
}

.start-card-kicker,
.source-label {
  margin: 0;
  color: var(--brand-700);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.start-card h2 {
  margin: 8px 0 0;
  font-family: "Sora", sans-serif;
  font-size: 24px;
  letter-spacing: -0.025em;
  line-height: 1.25;
}

.start-card ol {
  display: grid;
  gap: 5px;
  margin: 24px 0 0;
  padding: 0;
  list-style: none;
}

.start-card li {
  min-height: 48px;
  display: flex;
  align-items: center;
  gap: 13px;
  border-bottom: 1px solid var(--ink-100);
  color: var(--ink-700);
  font-size: 14px;
  font-weight: 600;
}

.start-card li:last-child {
  border-bottom: 0;
}

.start-card li span,
.step-heading > span {
  display: grid;
  width: 30px;
  height: 30px;
  flex: 0 0 auto;
  place-items: center;
  border-radius: 10px;
  background: var(--brand-50);
  color: var(--brand-700);
  font-family: "Sora", sans-serif;
  font-size: 12px;
  font-weight: 600;
}

.quick-answer {
  border-block: 1px solid var(--ink-100);
  background: var(--white);
  padding-block: 72px;
  scroll-margin-top: 24px;
}

.quick-answer-inner {
  max-width: 930px;
}

.quick-answer h2,
.guide-article h2,
.guide-closing h2 {
  margin: 0;
  font-family: "Sora", sans-serif;
  font-size: clamp(32px, 3.2vw, 42px);
  font-weight: 600;
  letter-spacing: -0.035em;
  line-height: 1.18;
}

.quick-answer p:not(.section-kicker) {
  max-width: 72ch;
  margin: 18px 0 0;
  color: var(--ink-600);
  font-size: 17px;
  line-height: 1.7;
}

.formula {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 30px;
  border: 1px solid rgba(15, 126, 116, 0.18);
  border-radius: 18px;
  background: var(--brand-50);
  padding: 18px 20px;
  color: var(--ink-700);
  font-size: 14px;
  font-weight: 600;
}

.formula span,
.formula strong {
  border-radius: 10px;
  background: var(--white);
  padding: 9px 12px;
}

.formula strong {
  color: var(--brand-700);
}

.formula b {
  color: var(--ink-500);
  font-size: 18px;
}

.quick-answer .planning-note {
  margin-top: 24px;
  border-left: 3px solid var(--gold-600);
  padding-left: 16px;
  font-size: 14px;
}

.article-shell {
  display: grid;
  grid-template-columns: 220px minmax(0, 780px);
  justify-content: center;
  gap: 72px;
  padding-block: 80px 100px;
}

.desktop-toc {
  position: sticky;
  top: 24px;
  align-self: start;
  border-left: 1px solid var(--ink-200);
  padding-left: 20px;
}

.desktop-toc p {
  margin: 0 0 12px;
  color: var(--ink-900);
  font-size: 13px;
  font-weight: 700;
}

.desktop-toc nav,
.mobile-toc nav {
  display: grid;
  gap: 2px;
}

.desktop-toc a,
.mobile-toc a {
  min-height: 38px;
  display: flex;
  align-items: center;
  color: var(--ink-600);
  font-size: 13px;
  text-decoration: none;
}

.desktop-toc a:hover,
.mobile-toc a:hover {
  color: var(--brand-700);
  text-decoration: underline;
  text-underline-offset: 4px;
}

.guide-article {
  min-width: 0;
}

.mobile-toc {
  display: none;
}

.article-section {
  padding-block: 6px 76px;
  scroll-margin-top: 24px;
}

.article-section + .article-section {
  border-top: 1px solid var(--ink-100);
  padding-top: 76px;
}

.guide-article h2 {
  max-width: 680px;
}

.guide-article h3 {
  margin: 32px 0 0;
  color: var(--ink-900);
  font-size: 20px;
  line-height: 1.35;
}

.guide-article p,
.guide-article li {
  color: var(--ink-600);
  font-size: 16px;
  line-height: 1.75;
}

.guide-article p {
  margin: 19px 0 0;
}

.guide-article ul:not(.checklist):not(.sources ul),
.guide-article ol:not(.number-list) {
  margin: 22px 0 0;
  padding-left: 24px;
}

.guide-article li + li {
  margin-top: 8px;
}

.checklist {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
  margin: 28px 0 0;
  padding: 0;
  list-style: none;
}

.checklist li {
  position: relative;
  min-height: 72px;
  border: 1px solid var(--ink-100);
  border-radius: 15px;
  background: var(--white);
  padding: 14px 14px 14px 44px;
  font-size: 14px;
  line-height: 1.5;
}

.checklist li::before {
  position: absolute;
  top: 16px;
  left: 15px;
  display: grid;
  width: 20px;
  height: 20px;
  place-items: center;
  border-radius: 50%;
  background: var(--brand-50);
  color: var(--brand-700);
  content: "✓";
  font-size: 11px;
  font-weight: 700;
}

.tip-box,
.advice-note {
  margin-top: 26px;
  border-radius: 16px;
  background: #eef7f5;
  padding: 18px 20px;
}

.tip-box strong {
  color: var(--brand-700);
}

.tip-box p,
.guide-article .advice-note {
  margin: 6px 0 0;
  font-size: 14px;
  line-height: 1.65;
}

.anchor-target {
  height: 0;
  scroll-margin-top: 24px;
}

.step-heading {
  display: grid;
  grid-template-columns: auto 1fr;
  align-items: start;
  gap: 16px;
}

.step-heading > span {
  width: 42px;
  height: 42px;
  border-radius: 13px;
  font-size: 14px;
}

.step-heading .section-kicker {
  margin-bottom: 8px;
}

.step-heading-accent > span {
  background: var(--brand-50);
  color: var(--brand-700);
}

.source-card {
  display: grid;
  gap: 18px;
  margin-top: 30px;
  border: 1px solid rgba(15, 126, 116, 0.18);
  border-radius: 18px;
  background: var(--white);
  padding: 22px;
}

.source-card p {
  margin-top: 8px;
  font-size: 14px;
  line-height: 1.65;
}

.source-card a {
  min-height: 44px;
  display: inline-flex;
  width: fit-content;
  align-items: center;
  gap: 8px;
  color: var(--brand-700);
  font-size: 14px;
  font-weight: 700;
  text-underline-offset: 4px;
}

.inline-cta {
  gap: 9px;
  margin-top: 24px;
}

.reserve-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 9px;
  margin-top: 25px;
}

.reserve-grid span {
  border: 1px solid rgba(15, 126, 116, 0.16);
  border-radius: 14px;
  background: #f7fbfa;
  padding: 13px 15px;
  color: var(--ink-700);
  font-size: 14px;
  font-weight: 600;
}

.calculation-card {
  margin-top: 28px;
  border: 1px solid rgba(15, 126, 116, 0.2);
  border-radius: 18px;
  background:
    radial-gradient(circle at 95% 0%, rgba(20, 155, 144, 0.1), transparent 42%),
    #f7fbfa;
  padding: 22px;
  color: var(--ink-700);
  box-shadow: 0 14px 32px rgba(15, 126, 116, 0.07);
}

.calculation-card .source-label {
  color: var(--brand-700);
}

.calculation-card > div {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  margin-top: 15px;
  border-bottom: 1px solid rgba(15, 126, 116, 0.16);
  padding-bottom: 12px;
  color: var(--ink-700);
}

.calculation-card > div strong {
  color: var(--brand-700);
  white-space: nowrap;
}

.guide-article .calculation-card > p:last-child {
  margin-top: 16px;
  color: var(--ink-600);
  font-size: 13px;
  line-height: 1.6;
}

.number-list {
  display: grid;
  gap: 10px;
  margin: 24px 0 0;
  padding: 0;
  counter-reset: result-steps;
  list-style: none;
}

.number-list li {
  position: relative;
  margin: 0;
  border-radius: 14px;
  background: var(--white);
  padding: 14px 16px 14px 50px;
  counter-increment: result-steps;
}

.number-list li::before {
  position: absolute;
  top: 14px;
  left: 15px;
  display: grid;
  width: 24px;
  height: 24px;
  place-items: center;
  border-radius: 8px;
  background: var(--brand-50);
  color: var(--brand-700);
  content: counter(result-steps);
  font-size: 11px;
  font-weight: 700;
}

.guide-article .advice-note {
  border-left: 3px solid var(--brand-600);
  border-radius: 0 14px 14px 0;
}

.example-section {
  padding-bottom: 82px;
}

.example-budget {
  margin-top: 30px;
  border: 1px solid var(--ink-100);
  border-radius: 22px;
  background: var(--white);
  box-shadow: 0 18px 44px rgba(15, 37, 47, 0.08);
  overflow: clip;
}

.example-budget-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  border-bottom: 1px solid var(--ink-100);
  padding: 20px 22px;
}

.example-budget-head > div {
  display: grid;
  gap: 3px;
}

.example-budget-head span:not(.example-badge) {
  color: var(--ink-500);
  font-size: 12px;
}

.example-budget-head strong {
  color: var(--ink-900);
}

.example-budget table {
  width: 100%;
  border-collapse: collapse;
}

.example-budget th,
.example-budget td {
  border-bottom: 1px solid var(--ink-100);
  padding: 12px 22px;
  color: var(--ink-700);
  font-size: 13px;
  text-align: left;
}

.example-budget th {
  font-weight: 600;
}

.example-budget td,
.example-budget thead th:last-child {
  font-variant-numeric: tabular-nums;
  text-align: right;
  white-space: nowrap;
}

.example-budget thead th {
  background: var(--ink-50);
  color: var(--ink-500);
  font-size: 11px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.example-budget .income-row th,
.example-budget .income-row td {
  color: var(--brand-700);
  font-weight: 700;
}

.example-budget .group-row th {
  background: var(--brand-50);
  color: var(--brand-700);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.example-budget .subtotal th,
.example-budget .subtotal td {
  background: #fafbfb;
  color: var(--ink-900);
  font-weight: 700;
}

.example-budget tfoot th,
.example-budget tfoot td {
  border-bottom: 0;
  background: #e9f5f2;
  color: var(--brand-800);
  font-size: 15px;
  font-weight: 700;
}

.guide-article .example-equation {
  margin: 0;
  border-top: 1px solid rgba(15, 126, 116, 0.16);
  background: #f7fbfa;
  padding: 15px 22px;
  color: var(--ink-600);
  font-size: 13px;
  text-align: right;
}

.example-equation strong {
  color: var(--brand-700);
}

.guide-article .caption {
  margin-top: 16px;
  color: var(--ink-500);
  font-size: 13px;
  line-height: 1.6;
}

.mistakes-list,
.guide-faq {
  display: grid;
  gap: 9px;
  margin-top: 30px;
}

.mistakes-list details,
.guide-faq details {
  border: 1px solid var(--ink-200);
  border-radius: 15px;
  background: var(--white);
  overflow: clip;
}

.mistakes-list summary,
.guide-faq summary {
  position: relative;
  min-height: 58px;
  display: flex;
  align-items: center;
  padding: 14px 54px 14px 18px;
  color: var(--ink-900);
  cursor: pointer;
  font-size: 14px;
  font-weight: 700;
  line-height: 1.45;
  list-style: none;
}

.mistakes-list summary::-webkit-details-marker,
.guide-faq summary::-webkit-details-marker {
  display: none;
}

.mistakes-list summary::after,
.guide-faq summary::after {
  position: absolute;
  right: 20px;
  color: var(--brand-700);
  content: "+";
  font-size: 24px;
  font-weight: 400;
}

.mistakes-list details[open] summary::after,
.guide-faq details[open] summary::after {
  content: "−";
}

.mistakes-list details[open] summary,
.guide-faq details[open] summary {
  color: var(--brand-700);
}

.guide-article .mistakes-list p,
.guide-article .guide-faq p {
  margin: 0;
  padding: 0 54px 18px 18px;
  font-size: 14px;
  line-height: 1.65;
}

.sources {
  border: 1px solid var(--ink-100);
  border-radius: 18px;
  background: #f3f6f5;
  padding: 24px;
}

.guide-article .sources h2 {
  font-family: "Manrope", sans-serif;
  font-size: 18px;
  letter-spacing: 0;
}

.sources ul {
  margin: 16px 0 0;
  padding-left: 20px;
}

.sources a {
  color: var(--brand-700);
  text-underline-offset: 3px;
}

.guide-article .sources li,
.guide-article .sources p {
  font-size: 12px;
  line-height: 1.65;
}

.guide-article .sources p {
  margin-top: 17px;
}

.guide-closing {
  border-top: 1px solid var(--ink-100);
  background: var(--white);
  padding-block: 68px;
}

.guide-closing-card {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: center;
  gap: 50px;
  border: 1px solid rgba(15, 126, 116, 0.18);
  border-radius: var(--radius-lg);
  background:
    radial-gradient(circle at 92% 12%, rgba(20, 155, 144, 0.11), transparent 30%),
    #eef7f5;
  padding: 38px 44px;
  box-shadow: 0 18px 46px rgba(15, 37, 47, 0.07);
}

.guide-closing h2 {
  max-width: 700px;
  font-size: clamp(29px, 2.8vw, 38px);
}

.guide-closing p:not(.section-kicker) {
  max-width: 68ch;
  margin: 14px 0 0;
  color: var(--ink-600);
}

.guide-closing .closing-actions {
  min-width: 240px;
}

.closing-secondary {
  justify-content: center;
  font-size: 12px;
  text-align: center;
}

@media (max-width: 1023px) {
  .guide-hero-grid {
    min-height: 0;
    grid-template-columns: 1fr;
    gap: 44px;
    padding-block: 62px 70px;
  }

  .start-card {
    width: min(100%, 650px);
  }

  .article-shell {
    grid-template-columns: minmax(0, 780px);
    padding-block: 64px 82px;
  }

  .desktop-toc {
    display: none;
  }

  .mobile-toc {
    display: block;
    margin-bottom: 54px;
    border: 1px solid var(--ink-200);
    border-radius: 16px;
    background: var(--white);
    overflow: clip;
  }

  .mobile-toc summary {
    min-height: 54px;
    display: flex;
    align-items: center;
    padding: 13px 18px;
    color: var(--ink-900);
    cursor: pointer;
    font-weight: 700;
  }

  .mobile-toc nav {
    border-top: 1px solid var(--ink-100);
    padding: 10px 18px 16px;
  }

  .guide-closing-card {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .guide-closing .closing-actions {
    width: fit-content;
  }
}

@media (max-width: 899px) {
  .guide-page h1 {
    font-size: clamp(35px, 9.5vw, 44px);
  }

  .guide-hero-grid {
    gap: 32px;
    padding-block: 42px 50px;
  }

  .guide-lead {
    margin-top: 18px;
    font-size: 16px;
    line-height: 1.62;
  }

  .guide-hero-actions {
    display: grid;
    gap: 9px;
    margin-top: 24px;
  }

  .guide-jump-link {
    justify-content: center;
  }

  .article-meta {
    margin-top: 13px;
  }

  .start-card {
    border-radius: 22px;
    padding: 21px 19px;
  }

  .start-card h2 {
    font-size: 21px;
  }

  .quick-answer {
    padding-block: 48px;
  }

  .quick-answer h2,
  .guide-article h2 {
    font-size: 29px;
  }

  .quick-answer p:not(.section-kicker),
  .guide-article p,
  .guide-article li {
    font-size: 15px;
    line-height: 1.68;
  }

  .formula {
    display: grid;
    grid-template-columns:
      minmax(0, 1fr) auto minmax(0, 1fr) auto
      minmax(0, 1fr) auto minmax(0, 1.15fr);
    gap: 7px;
    padding: 14px;
  }

  .formula span,
  .formula strong {
    text-align: center;
  }

  .formula strong {
    grid-column: auto;
  }

  .article-shell {
    padding-block: 46px 64px;
  }

  .mobile-toc {
    margin-bottom: 44px;
  }

  .article-section {
    padding-bottom: 54px;
  }

  .article-section + .article-section {
    padding-top: 54px;
  }

  .checklist {
    grid-template-columns: 1fr;
    gap: 7px;
  }

  .checklist li {
    min-height: 0;
  }

  .step-heading {
    gap: 13px;
  }

  .step-heading > span {
    width: 38px;
    height: 38px;
  }

  .reserve-grid {
    grid-template-columns: 1fr;
  }

  .example-budget th,
  .example-budget td {
    padding: 11px 14px;
    font-size: 12px;
  }

  .guide-article .example-equation {
    padding: 14px;
  }

  .guide-closing {
    padding-block: 48px;
  }

  .guide-closing-card {
    border-radius: 22px;
    padding: 25px 20px;
  }

  .guide-closing h2 {
    font-size: 28px;
  }

  .guide-closing .closing-actions {
    width: 100%;
  }

  .guide-closing .button {
    width: 100%;
  }
}

@media (max-width: 699px) {
  .formula {
    grid-template-columns: 1fr;
  }

  .formula b {
    display: block;
    text-align: center;
    line-height: 1;
  }

  .formula span,
  .formula strong {
    grid-column: 1;
  }
}

@media (max-width: 479px) {
  .guide-hero .eyebrow {
    margin-bottom: 12px;
  }

  .guide-page h1 {
    font-size: 34px;
  }

  .start-card li {
    min-height: 44px;
  }

  .formula {
    grid-template-columns: 1fr;
  }

  .formula b {
    display: block;
    text-align: center;
    line-height: 1;
  }

  .formula span,
  .formula strong {
    grid-column: 1;
    padding: 8px 10px;
  }

  .calculation-card > div {
    display: grid;
    gap: 3px;
  }

  .calculation-card > div strong {
    color: var(--brand-700);
  }

  .example-budget {
    margin-inline: -4px;
  }

  .example-budget-head {
    align-items: flex-start;
    padding: 17px 14px;
  }

  .example-budget th {
    max-width: 210px;
  }

  .example-budget th,
  .example-budget td {
    padding: 10px 11px;
  }

  .guide-article .example-equation {
    font-size: 11px;
    text-align: left;
  }

  .sources {
    padding: 19px;
  }
}

@media (forced-colors: active) {
  .formula,
  .tip-box,
  .calculation-card,
  .example-budget tfoot th,
  .example-budget tfoot td,
  .guide-closing-card {
    border: 1px solid CanvasText;
  }
}