.guide-hero{background:linear-gradient(120deg,#edf4f7,#fff 62%);border-bottom:1px solid var(--line);padding:68px 0 62px}.guide-hero-grid{display:grid;grid-template-columns:1fr 360px;gap:70px;align-items:end}.guide-hero h1{font-family:"Newsreader",serif;color:var(--navy2);font-size:clamp(3rem,6vw,5.2rem);line-height:.92;letter-spacing:-.035em;margin:0 0 24px}.guide-hero p{max-width:720px;color:var(--muted);font-size:1.03rem;margin:0}.guide-summary{background:var(--navy);color:#fff;padding:25px;display:flex;align-items:center;gap:18px;border-bottom:4px solid var(--gold)}.guide-summary>span{width:58px;height:58px;border:1px solid rgba(214,168,77,.65);display:grid;place-items:center;color:var(--gold);font-size:1.8rem}.guide-summary b,.guide-summary small{display:block}.guide-summary b{font-size:.88rem}.guide-summary small{font-size:.7rem;color:#b9d0df;margin-top:4px}.guide-jump{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:12}.guide-jump .container{display:grid;grid-template-columns:repeat(3,1fr)}.guide-jump a{min-height:66px;display:flex;align-items:center;justify-content:center;gap:12px;border-right:1px solid var(--line);font-size:.82rem;font-weight:700;color:var(--navy)}.guide-jump a:first-child{border-left:1px solid var(--line)}.guide-jump a:hover{background:#f6f9fb}.guide-jump span{font-family:"Newsreader",serif;color:var(--gold);font-size:1.25rem}.guide-section{padding:88px 0;scroll-margin-top:66px}.fee-section{background:var(--paper)}.guide-layout{display:grid;grid-template-columns:300px minmax(0,1fr);gap:70px;align-items:start}.guide-layout aside{position:sticky;top:96px}.section-no{font-family:"Newsreader",serif;font-size:4.4rem;line-height:1;color:#dce6ec;display:block;margin-bottom:18px}.guide-layout h2,.official-sources h2{font-family:"Newsreader",serif;color:var(--navy2);font-size:2.65rem;line-height:1.05;margin:0 0 18px}.guide-layout aside p{font-size:.82rem;color:var(--muted)}.guide-content h3{font-family:"Newsreader",serif;color:var(--navy);font-size:1.55rem;margin:34px 0 16px}.notice{padding:28px 30px;background:#f1f7fa;border-left:4px solid var(--blue);color:#465f70}.notice>b{display:block;color:var(--navy);font-family:"Newsreader",serif;font-size:1.45rem}.notice ul{padding-left:20px}.notice li{margin:8px 0;font-size:.84rem}.notice p{font-size:.78rem;margin:14px 0 0}.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.steps li{background:#fff;border:1px solid var(--line);padding:20px;display:flex;gap:15px}.steps li>span{flex:0 0 36px;height:36px;display:grid;place-items:center;background:var(--navy);color:#fff;font-weight:700;font-size:.77rem}.steps b{color:var(--navy);font-size:.85rem}.steps p{font-size:.76rem;color:var(--muted);margin:4px 0 0}.accordion-list,.faq-list{border-top:1px solid var(--line)}details{border-bottom:1px solid var(--line);background:#fff}summary{list-style:none;cursor:pointer;color:var(--navy);font-weight:700;font-size:.88rem;padding:20px 48px 20px 20px;position:relative}summary::-webkit-details-marker{display:none}summary:after{content:"+";position:absolute;right:20px;top:15px;font-size:1.5rem;color:var(--gold);font-weight:400}details[open] summary:after{content:"−"}details>div{padding:0 20px 20px;color:var(--muted);font-size:.82rem}details p{margin:0}.time-card{margin-top:28px;background:var(--navy);color:#fff;padding:28px 30px;border-left:5px solid var(--gold)}.time-card b,.time-card strong{display:block}.time-card b{font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:#abd0e8}.time-card strong{font-family:"Newsreader",serif;color:#f0c671;font-size:1.8rem;margin:5px 0}.time-card p{font-size:.78rem;color:#c6d8e4;margin:0}.fee-key{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.fee-key>div{background:#fff;border:1px solid var(--line);padding:18px}.fee-key span{width:30px;height:30px;display:grid;place-items:center;background:var(--gold);color:#17364b;font-weight:800;font-size:.72rem;margin-bottom:10px}.fee-key b,.fee-key small{display:block}.fee-key b{color:var(--navy);font-size:.8rem}.fee-key small{font-size:.68rem;line-height:1.45;color:var(--muted);margin-top:4px}.table-head{display:flex;justify-content:space-between;align-items:end;margin-top:34px}.table-head h3{margin:0}.table-head span{font-size:.68rem;color:var(--muted)}.table-wrap{overflow-x:auto;margin-top:14px;border:1px solid var(--line)}table{border-collapse:collapse;width:100%;min-width:640px;background:#fff;font-size:.8rem}th,td{padding:15px 17px;text-align:left;border-bottom:1px solid var(--line)}th{background:var(--navy);color:#fff;font-size:.72rem}td:last-child{font-weight:600;color:var(--navy)}tr:last-child td{border-bottom:0}.fixed-fees{display:grid;grid-template-columns:1fr 1fr;background:#fff;border:1px solid var(--line)}.fixed-fees>div{display:flex;justify-content:space-between;gap:20px;padding:14px 17px;border-bottom:1px solid var(--line)}.fixed-fees>div:nth-child(odd){border-right:1px solid var(--line)}.fixed-fees span{font-size:.76rem;color:var(--muted)}.fixed-fees b{font-size:.78rem;color:var(--navy);white-space:nowrap}.fine-print{font-size:.72rem;color:var(--muted);padding:18px 20px;background:#e8f0f4;margin-top:18px}.faq-list summary{font-size:.92rem;padding-top:22px;padding-bottom:22px}.official-sources{padding:72px 0;background:var(--navy2);color:#fff}.official-sources>.container{display:grid;grid-template-columns:330px 1fr;gap:70px}.official-sources h2{color:#fff}.official-sources p{font-size:.78rem;color:#aebfca}.source-links{display:grid;grid-template-columns:1fr 1fr;gap:10px}.source-links a{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.13);padding:18px 20px;transition:.2s}.source-links a:hover{background:rgba(255,255,255,.12)}.source-links b,.source-links span{display:block}.source-links b{font-size:.8rem}.source-links span{font-size:.68rem;color:#a7c2d3;margin-top:5px}@media(max-width:900px){.guide-hero-grid{grid-template-columns:1fr;gap:30px}.guide-summary{max-width:500px}.guide-layout{grid-template-columns:1fr;gap:30px}.guide-layout aside{position:static;max-width:650px}.section-no{font-size:3.3rem}.official-sources>.container{grid-template-columns:1fr;gap:28px}}@media(max-width:620px){.guide-hero{padding:50px 0 46px}.guide-hero h1{font-size:3.2rem}.guide-hero p{font-size:.9rem}.guide-jump{position:static}.guide-jump .container{width:100%;overflow-x:auto;display:flex}.guide-jump a{min-width:190px;padding:0 14px}.guide-section{padding:58px 0}.guide-layout h2,.official-sources h2{font-size:2.25rem}.steps{grid-template-columns:1fr}.notice{padding:23px 20px}.fee-key{grid-template-columns:1fr}.table-head{display:block}.table-head span{display:block;margin-top:5px}.fixed-fees{grid-template-columns:1fr}.fixed-fees>div:nth-child(odd){border-right:0}.source-links{grid-template-columns:1fr}.official-sources{padding:58px 0}.guide-summary{padding:20px}.guide-summary>span{width:48px;height:48px}}