.guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px}
.guide-grid .guide-card{display:block;overflow:hidden;border:1px solid #dbe6e8;border-radius:16px;background:#fff;text-decoration:none;color:#102356;transition:transform .2s,box-shadow .2s}
.guide-grid .guide-card:hover{transform:translateY(-4px);box-shadow:0 12px 28px #10235615}
.guide-grid .guide-card>div{padding:26px}.guide-grid .guide-card h2{font:700 25px/1.25 Georgia,serif;margin:0 0 15px}
.guide-grid .guide-card p{font-size:17px;line-height:1.7;color:#4b617c}.guide-grid .guide-card .loan-photo{display:block;height:180px}
.guide-grid .guide-card:focus-visible,.loan-guide-link:focus-visible{outline:3px solid #c94e25;outline-offset:5px}
.guide-hero h1{max-width:950px;font-size:clamp(34px,4.3vw,58px)}.guide-hero .lead{max-width:850px}
.guide-hero .text-link{display:inline-block;margin-bottom:25px}
.guide-layout{display:grid;grid-template-columns:260px minmax(0,760px);gap:70px;padding-top:55px;padding-bottom:65px;justify-content:center}
.guide-toc{align-self:start;position:sticky;top:24px;background:#f0f7f6;padding:24px;border-radius:12px}
.guide-toc h2{font-size:19px;margin:0 0 12px}.guide-toc ol{padding-left:20px;margin:0}.guide-toc li{padding:7px 0}
.guide-toc a{font-size:16px;line-height:1.5;text-decoration:underline;text-underline-offset:3px}
.guide-body{min-width:0}.guide-body section{margin-bottom:40px;scroll-margin-top:25px}
.guide-body h2{font:700 30px/1.25 Georgia,serif;margin:0 0 18px}.guide-body h3{font-size:22px}
.guide-body p,.guide-body li{font-size:19px;line-height:1.85}.guide-body li{margin-bottom:10px}
.guide-sources{border-top:1px solid #dbe6e8;padding-top:30px}.guide-sources a{overflow-wrap:anywhere;text-decoration:underline}
.guide-sources .small{font-size:15px;color:#4b617c}.related-guides{display:grid;grid-template-columns:1fr 1fr;gap:15px}
.related-guides a{border-bottom:1px solid #dbe6e8;padding:12px 0;text-decoration:underline}
a.loan-choice.loan-guide-link{display:block;color:inherit;text-decoration:none}
.loan-guide-link .loan-card-copy{display:block}.loan-guide-link:hover .loan-card-action{text-decoration:underline}
.loan-guide-link .loan-card-action:after{content:'→'}
.mobile-cta .btn{min-width:0;white-space:normal;line-height:1.3;text-align:center}
/* Keep our mobile actions above the hosting badge and device safe area. */
@media(max-width:900px){.mobile-cta{padding-bottom:calc(52px + env(safe-area-inset-bottom,0px))}.site-footer{padding-bottom:150px}}
@media(max-width:1100px){.guide-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.guide-layout{gap:35px;grid-template-columns:220px minmax(0,1fr)}}
@media(max-width:760px){.guide-grid,.guide-layout,.related-guides{grid-template-columns:1fr}.guide-layout{gap:32px;padding-top:28px}.guide-toc{position:static}.guide-body p,.guide-body li{font-size:18px}.guide-grid .guide-card h2{font-size:24px}}