/* Editorial pages; shared tokens and shell live in base.css. */
.guide-number { font-family: var(--mono); font-size: .93em; font-variant-numeric: tabular-nums; }
.guide-hero { padding: 64px 0 80px; border-bottom: 1px solid var(--ink); }
.guide-hero-meta { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; }
.guide-hero-meta > .mono { font-size: 10px; color: var(--deep-sand); letter-spacing: .08em; }
.guide-hero h1 { max-width: 1000px; font-size: clamp(44px, 6.6vw, 94px); font-weight: 250; line-height: 1; letter-spacing: -.045em; margin: 24px 0; }
.guide-hero h1 > span { color: var(--ink-2); }
.guide-hero .lede { max-width: 660px; font-size: 20px; }
.guide-reviewed { font-family: var(--mono); font-size: 11px; color: var(--ink-3); margin-top: 24px; }
.guide-hero .btn-row { align-items: center; margin-top: 32px; gap: 24px; }
.guide-inline-link { text-underline-offset: 5px; text-decoration-color: var(--weathered-metal); font-size: 14px; font-weight: 500; padding: 10px 0; }
.guide-inline-link:hover { text-decoration-color: var(--ink); }
.guide-layout { display: grid; grid-template-columns: 248px minmax(0, 1fr); gap: 64px; align-items: start; padding-top: 48px; }
.guide-rail { position: sticky; top: calc(var(--nav-h) + 32px); max-height: calc(100dvh - var(--nav-h) - 64px); overflow-y: auto; padding: 8px 16px 16px 0; }
.guide-rail .eyebrow { margin-bottom: 20px; }
.guide-rail ol { list-style: none; }
.guide-rail li { border-bottom: 1px solid var(--border); }
.guide-rail li a { display: flex; gap: 14px; padding: 12px 0; font-size: 12.5px; line-height: 1.6; text-decoration: none; color: var(--ink-2); }
.guide-rail li a .mono { font-size: 10px; color: var(--deep-sand); padding-top: 2px; }
.guide-rail li a:hover, .guide-rail li a[aria-current] { color: var(--ink); text-decoration: underline; text-underline-offset: 4px; }
.guide-rail li a[aria-current] { font-weight: 500; }
.guide-back { display: inline-block; font-family: var(--mono); font-size: 10px; margin-top: 24px; text-underline-offset: 4px; color: var(--ink-3); }
.guide-toc-mobile { display: none; }
.guide-article { min-width: 0; padding-bottom: 48px; font-size: 17px; line-height: 1.8; }
.guide-article p { margin-bottom: 20px; color: var(--ink-2); }
.guide-article a:not(.btn) { text-decoration-color: var(--weathered-metal); text-underline-offset: 4px; }
.guide-article a:not(.btn):hover { text-decoration-color: var(--ink); }
.guide-section { padding: 0 0 56px; scroll-margin-top: calc(var(--nav-h) + 28px); }
.guide-section + .guide-section { padding-top: 8px; }
.guide-section-label { display: flex; align-items: center; gap: 16px; color: var(--deep-sand); font-size: 11px; }
.guide-section-label > span:last-child { flex: 1; height: 1px; background: var(--border-strong); }
.guide-section h2 { font-size: clamp(32px, 3.5vw, 48px); margin: 20px 0 24px; max-width: 680px; line-height: 1.13; letter-spacing: -.035em; }
.guide-section h3 { font-size: 21px; line-height: 1.3; margin-top: 28px; }
.guide-section .guide-source, .guide-source { font-family: var(--mono); font-size: 10.5px; line-height: 1.75; color: var(--ink-3); margin: -8px 0 24px; overflow-wrap: anywhere; }
.guide-source + .guide-source { margin-top: -16px; }
.guide-source a { color: inherit; text-decoration-color: var(--weathered-metal); text-underline-offset: 3px; }
.guide-source a:hover { color: var(--ink); }
.guide-article .guide-small, .guide-small { font-size: 13px; line-height: 1.75; }
.guide-calculator { background: var(--warm-surface); border: 1px solid var(--border); padding: 32px; margin: 32px 0 24px; border-top: 1px solid var(--ink); }
.guide-calc-intro p { margin: 12px 0 24px; font-size: 16px; line-height: 1.65; }
.guide-calc-fields { display: grid; grid-template-columns: 1fr 1fr; gap: 20px 24px; }
.guide-calc-fields .field input { font-family: var(--mono); border-radius: 0; font-size: 18px; }
.guide-calc-fields label, .guide-condition legend { font-size: 10px; letter-spacing: .09em; }
.guide-condition { border: 0; padding: 0; display: flex; gap: 0; min-width: 0; }
.guide-condition legend { font-family: var(--mono); font-weight: 500; text-transform: uppercase; color: var(--deep-sand); padding: 0 0 6px; }
.guide-condition label { flex: 1; display: flex; align-items: center; justify-content: center; gap: 8px; min-height: 54px; border: 1px solid var(--border-strong); font-family: var(--display); font-size: 15px; cursor: pointer; letter-spacing: 0; }
.guide-condition label + label { border-left: 0; }
.guide-condition label:has(input:checked) { background: var(--ink); color: var(--bone); }
.guide-condition input { accent-color: var(--ink); width: 14px; height: 14px; }
.guide-condition input:checked { accent-color: var(--bone); }
.guide-condition label:focus-within { outline: 2px solid var(--deep-sand); outline-offset: 3px; }
.guide-calc-result { margin: 32px 0 24px; }
.guides-page .guide-record { background: transparent; border: 0; border-radius: 0; padding: 0; line-height: 2.2; font-size: 12px; margin: 24px 0; }
.guide-record .r-h { padding-bottom: 12px; margin-bottom: 8px; border-bottom: 1px solid var(--border-strong); letter-spacing: .03em; }
.guide-record .r-k { flex-shrink: 1; }
.guide-record .r-v { overflow-wrap: anywhere; max-width: 60%; }
.guide-calc-result .guide-record { margin-bottom: 20px; }
.guide-calc-total { display: flex; align-items: flex-end; justify-content: space-between; gap: 16px; border-top: 1px solid var(--ink); padding-top: 20px; }
.guide-calc-total > div { font-family: var(--display); font-weight: 400; font-size: 17px; line-height: 1.3; }
.guide-calc-total small { display: block; font-family: var(--sans); font-size: 11px; font-weight: 400; margin-top: 6px; color: var(--ink-2); }
.guide-calc-total output { font-family: var(--display); font-size: clamp(32px, 3vw, 44px); font-weight: 250; letter-spacing: -.04em; font-variant-numeric: tabular-nums; line-height: 1.1; overflow-wrap: anywhere; min-width: 0; }
.guide-calculator > p:last-child { margin-bottom: 0; }
.guide-calc-alert { font-size: 12px; border-left: 1px solid var(--deep-sand); padding-left: 12px; margin-top: 20px; }
.guide-nojs { font-size: 14px; border: 1px solid var(--border-strong); padding: 16px; }
.guide-note { border-left: 1px solid var(--deep-sand); padding: 8px 0 8px 24px; margin: 32px 0 24px; }
.guide-note h3 { margin-top: 0; }
.guide-note p:last-child { margin-bottom: 0; }
.guide-steps { list-style: none; counter-reset: steps; }
.guide-steps > li { counter-increment: steps; position: relative; padding-left: 44px; margin: 32px 0; }
.guide-steps > li::before { content: counter(steps, decimal-leading-zero); position: absolute; left: 0; top: 2px; font-family: var(--mono); font-size: 12px; color: var(--deep-sand); }
.guide-steps h3 { margin-top: 0; }
.guide-form-list, .guide-location-list, .guide-lenders { list-style: none; margin: 24px 0; }
.guide-form-list li { display: grid; grid-template-columns: 120px 1fr; gap: 20px; padding: 16px 0; border-top: 1px solid var(--border); font-size: 14px; line-height: 1.6; }
.guide-form-list .mono { font-size: 12px; }
.guide-form-list li:last-child { border-bottom: 1px solid var(--border); }
.guide-office { background: var(--warm-surface); border: 1px solid var(--border); padding: 32px; margin: 24px 0; }
.guide-office h3 { margin: 16px 0 12px; font-size: 24px; }
.guide-office address { font-style: normal; margin-bottom: 12px; }
.guide-office > .mono { font-size: 13px; }
.guide-office p:last-child { margin-bottom: 0; }
.guide-office-links { display: flex; flex-wrap: wrap; gap: 12px 24px; margin: 24px 0; font-size: 14px; }
.guide-location-list li { padding: 16px 0; border-bottom: 1px solid var(--border); }
.guide-location-list li:first-child { border-top: 1px solid var(--border); }
.guide-location-list strong, .guide-location-list span { display: block; }
.guide-location-list .guide-number { display: inline; }
.guide-location-list li > span { font-size: 14px; color: var(--ink-2); }
.guide-lenders li { padding: 24px 0; border-top: 1px solid var(--border); }
.guide-lenders li h3 { margin: 0 0 8px; font-size: 20px; }
.guide-lenders li p { font-size: 13px; margin-bottom: 16px; }
.guide-lenders li p.guide-source { font-size: 10px; margin-bottom: 0; }
.guide-checklist { list-style: none; margin: 24px 0 28px; }
.guide-checklist li { position: relative; padding: 16px 0 16px 32px; border-bottom: 1px solid var(--border); font-size: 15.5px; line-height: 1.75; color: var(--ink-2); }
.guide-checklist li:first-child { border-top: 1px solid var(--border); }
.guide-checklist li::before { content: ""; width: 12px; height: 12px; border: 1px solid var(--deep-sand); position: absolute; left: 0; top: 24px; }
.guide-checklist strong { color: var(--ink); }
.guide-text-links { display: flex; flex-wrap: wrap; gap: 12px 24px; font-size: 14px; margin: 24px 0 36px; }
.guide-weather { display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid var(--ink); border-bottom: 1px solid var(--border-strong); margin: 32px 0 24px; }
.guide-weather > div { padding: 24px 12px 24px 0; }
.guide-weather > div + div { border-left: 1px solid var(--border-strong); padding-left: 20px; }
.guide-weather-number { font-family: var(--display); font-weight: 250; letter-spacing: -.04em; font-variant-numeric: tabular-nums; display: block; font-size: 46px; line-height: 1.1; color: var(--ink); }
.guide-weather-number + span { display: block; font-size: 11px; margin-top: 12px; line-height: 1.5; color: var(--ink-2); }
.guide-brand-table { margin: 28px 0; }
table.guide-brand-table th { padding-left: 0; }
table.guide-brand-table tbody th { font-family: var(--sans); font-size: 14px; font-weight: 500; letter-spacing: 0; text-transform: none; border-bottom: 1px solid var(--border); color: var(--ink); vertical-align: top; }
.guide-faq details { border-bottom: 1px solid var(--border-strong); }
.guide-faq details:first-child { border-top: 1px solid var(--border-strong); }
.guide-faq summary { cursor: pointer; padding: 24px 28px 24px 0; font-family: var(--display); font-size: 18px; font-weight: 500; line-height: 1.4; list-style: none; position: relative; }
.guide-faq summary::-webkit-details-marker { display: none; }
.guide-faq summary::after { content: "+"; position: absolute; right: 0; top: 24px; font-family: var(--mono); font-weight: 400; }
.guide-faq details[open] summary::after { content: "−"; }
.guide-faq summary:hover { color: var(--deep-sand); }
.guide-faq details > div { padding-right: 16px; font-size: 15px; }
.guide-cta { background: var(--ink); color: var(--bone); padding: 40px 32px; margin: 8px 0 32px; }
.guide-cta h2 { margin: 20px 0 24px; font-size: 36px; }
.guide-cta .btn-row { gap: 12px; margin: 28px 0 24px; }
.guide-cta .btn { font-size: 14px; padding: 15px 20px; }
.guide-cta p:last-child { margin-bottom: 0; }
.guide-afb-hero h1 { max-width: 900px; }
.guide-base-record { display: grid; grid-template-columns: 1fr 1.2fr; gap: 64px; padding: 40px 0; border-bottom: 1px solid var(--ink); }
.guide-base-total > strong { font-family: var(--display); font-variant-numeric: tabular-nums; display: block; font-size: clamp(48px, 5vw, 72px); letter-spacing: -.06em; line-height: 1.15; margin: 24px 0 8px; font-weight: 250; }
.guide-base-total > p { font-size: 14px; color: var(--ink-2); }
.guide-base-record .guide-record { margin: 0 0 24px; }
.guide-base-record .guide-small { margin-bottom: 20px; }
.guide-base-record .guide-source:last-child { margin-bottom: 0; }
.guide-rule { padding-top: 8px; }
.guide-section .guide-subhead { margin-top: 40px; }
.guide-next { border-top: 1px solid var(--ink); padding-top: 32px; }
.guide-next > a { font-family: var(--display); font-size: 25px; font-weight: 500; text-decoration: none; display: flex; justify-content: space-between; gap: 16px; padding: 24px 0 8px; line-height: 1.2; }
.guide-next p { font-size: 14px; }
@media (max-width: 1000px) {
  .guide-layout { grid-template-columns: 200px minmax(0, 1fr); gap: 40px; }
  .guide-calculator { padding: 24px; }
  .guide-calc-total { display: block; }
  .guide-calc-total output { display: block; margin-top: 16px; }
}
@media (max-width: 760px) {
  .guide-hero { padding: 40px 0; }
  .guide-hero-meta { align-items: flex-start; gap: 12px; }
  .guide-hero-meta > .mono { font-size: 9px; text-align: right; max-width: 96px; }
  .guide-hero .eyebrow { font-size: 10px; max-width: 180px; }
  .guide-hero h1 { font-size: clamp(42px, 8.2vw, 60px); margin: 24px 0; }
  .guide-hero .lede { font-size: 18px; line-height: 1.65; }
  .guide-hero .btn-row { gap: 16px; }
  .guide-reviewed { font-size: 10px; line-height: 1.8; }
  .guide-layout { display: block; padding-top: 0; }
  .guide-rail { position: static; max-height: none; overflow: visible; padding: 0; margin-bottom: 40px; border-bottom: 1px solid var(--ink); }
  .guide-toc-desktop { display: none; }
  .guide-toc-mobile { display: block; }
  .guide-toc-mobile summary { padding: 20px 0; cursor: pointer; font-size: 14px; font-weight: 500; }
  .guide-toc-mobile summary .mono { font-weight: 400; color: var(--ink-3); font-size: 10px; margin-left: 16px; }
  .guide-toc-mobile nav { padding: 0 0 16px; }
  .guide-rail li a { font-size: 14px; }
  .guide-article { font-size: 16px; line-height: 1.8; }
  .guide-section { padding-bottom: 48px; }
  .guide-section h2 { font-size: 32px; }
  .guide-section h3 { font-size: 20px; }
  .guide-section .guide-source, .guide-source { font-size: 10px; }
  .guide-calculator { padding: 24px 20px; margin-left: 0; margin-right: 0; }
  .guide-calc-fields { gap: 20px 12px; }
  .guide-calc-fields label, .guide-condition legend { font-size: 9px; letter-spacing: .04em; }
  .guide-calc-fields .field input { font-size: 16px; padding: 12px 10px; }
  .guide-condition label { min-height: 51px; font-size: 14px; gap: 5px; }
  .guide-condition input { width: 12px; height: 12px; }
  .guides-page .guide-record { font-size: 11px; }
  .guide-record .r-ln { gap: 6px; }
  .guide-calc-total output { font-size: 34px; }
  .guide-weather-number { font-size: 36px; }
  .guide-weather > div { padding: 20px 8px 20px 0; }
  .guide-weather > div + div { padding-left: 12px; }
  .guide-weather-number + span { font-size: 10px; }
  .guide-office { padding: 24px; }
  .guide-office .mono { font-size: 12px; }
  .guide-office-links { flex-direction: column; align-items: flex-start; }
  .guide-form-list li { grid-template-columns: 102px 1fr; gap: 16px; font-size: 13px; }
  .guide-form-list .mono { font-size: 11px; }
  .guide-checklist li { font-size: 15px; }
  .guide-steps > li { padding-left: 32px; }
  .guide-cta { padding: 32px 24px; margin-left: 0; margin-right: 0; }
  .guide-cta h2 { font-size: 32px; }
  .guide-cta .btn-row { display: grid; }
  .guide-cta .btn { white-space: normal; text-align: center; line-height: 1.3; }
  .guide-base-record { grid-template-columns: 1fr; gap: 32px; padding: 32px 0; }
  .guide-base-total > strong { font-size: 64px; margin-top: 16px; }
  .guide-base-record + .guide-layout .guide-rail { margin-top: 0; }
  .guide-next > a { font-size: 23px; }
}
@media print {
  .guide-rail, .guide-cta, .guide-calc-fields, .site-nav, .site-foot, .btn-row { display: none; }
  .guide-layout { display: block; }
  .guide-article { font-size: 11pt; }
  .guide-section { break-inside: avoid; }
}

.guides-page strong, .guides-page b { font-weight: 500; }
.guide-cta .eyebrow, .guide-cta p { color: var(--co-silver); }
.guide-cta .btn { background: var(--bone); color: var(--ink); border-color: var(--bone); }
.guide-cta .btn:hover { background: var(--warm-2); }
.guide-cta .btn.ghost { background: transparent; color: var(--bone); border-color: var(--co-silver); }
.guide-cta .btn.ghost:hover { background: var(--bone); color: var(--ink); }
.guide-cta :focus-visible { outline-color: var(--bone); }
.guide-section-label > span:last-child { background: var(--ink); }
.guide-weather-number + span { font-family: var(--mono); font-size: 9px; text-transform: uppercase; letter-spacing: .1em; }
.guide-base-total > strong { font-weight: 250; }
.guide-calc-fields > * { min-width: 0; }
@media(max-width:760px) {
  .guide-article .guide-number, .guide-article .mono { overflow-wrap: anywhere; }
  .guide-calc-total output { font-size: 38px; }
  .guide-base-record .guide-record .r-k { max-width: 55%; }
  .guides-page .btn { max-width: 100%; white-space: normal; line-height: 1.4; }
}