@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700;800&family=Manrope:wght@400;500;600;700;800&family=Fraunces:ital,opsz,wght@1,9..144,400&display=swap');
:root{--ink:#263A45;--deep:#203746;--dark:#172D3C;--teal:#567B89;--cream:#F7F6F2;--sand:#EEEFEA;--clay:#8F555D;--gold:#BDA993;--muted:#64777D;--line:#DEE3E0;--white:#fff;--serif:'Manrope',Arial,sans-serif;--sans:'DM Sans',system-ui,-apple-system,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font:16px/1.68 var(--sans);-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:var(--clay)}button,input,select{font:inherit}button{cursor:pointer}img{max-width:100%;display:block}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-family:var(--serif);font-weight:500;letter-spacing:-.04em;line-height:1.14}h1{font-size:clamp(46px,5.2vw,80px)}h2{font-size:clamp(34px,3.3vw,54px)}h3{font-size:clamp(22px,2vw,30px)}p{color:var(--muted)}.wrap{width:min(1170px,calc(100% - 56px));margin-inline:auto}.eyebrow,.kicker{display:block;color:var(--teal);font-size:11px;letter-spacing:.20em;text-transform:uppercase;font-weight:800;margin-bottom:20px}.text-orange{color:var(--clay)}.eyebrow.light{color:#d7af7c}.announcement{background:#103c44;color:#e1ebe9;font-size:11px;letter-spacing:.04em;text-align:center;padding:10px 18px}.announcement b{color:#f0c290}.site-header{position:relative;background:#fff;z-index:20;border-bottom:1px solid #e5e9e5}.header-inner{min-height:91px;display:flex;align-items:center;justify-content:space-between;gap:28px}.logo{display:flex;align-items:center;gap:13px;text-decoration:none;color:var(--deep);flex-shrink:0}.logo-icon{width:43px;height:43px;display:grid;place-items:center;background:var(--deep);border-radius:9px;color:#f3d3aa}.logo-word{font-family:var(--serif);font-size:18px;line-height:1.04;letter-spacing:-.045em;font-weight:600}.logo-word small{font:700 8px var(--sans);display:block;letter-spacing:.22em;color:#688085;margin-top:7px}.main-nav{display:flex;gap:30px;align-items:center}.main-nav>a{font-size:13px;font-weight:700;text-decoration:none;color:#254047}.main-nav>a:hover{color:var(--clay)}.main-nav>a.nav-cta{padding:13px 19px;border-radius:6px;background:var(--deep);color:white}.nav-cta:hover{background:#185360}.menu-toggle{display:none;background:white;color:var(--deep);border:1px solid var(--line);padding:10px;border-radius:7px}.btn,.pill{display:inline-flex;align-items:center;justify-content:center;gap:12px;border:1px solid transparent;background:var(--clay);color:white;padding:15px 23px;border-radius:6px;font:800 13px var(--sans);text-decoration:none;transition:transform .2s,background .2s,box-shadow .2s}.btn:hover,.pill:hover{transform:translateY(-2px);background:#bd5132;color:#fff;box-shadow:0 10px 24px #15252b15}.btn.dark,.pill.dark{background:var(--deep);color:white}.btn.dark:hover{background:#18505a}.btn.outline,.pill.outline{background:transparent;border-color:#a8b6b4;color:var(--ink)}.btn.white{background:white;color:var(--deep)}.btn:disabled,.pill:disabled{opacity:.5;cursor:not-allowed}.hero-main{display:grid;grid-template-columns:49% 51%;min-height:610px;position:relative;background:#f5f0e8}.hero-copy{padding:74px clamp(26px,5vw,110px) 78px max(28px,calc((100vw - 1170px)/2));display:flex;flex-direction:column;justify-content:center;min-width:0}.hero-copy h1{font-size:clamp(52px,5.4vw,83px);line-height:1.06;max-width:600px;margin-bottom:24px}.hero-copy h1 em{font-weight:400;color:var(--clay);font-style:italic}.hero-copy>p{font-size:16px;max-width:505px;color:#536d72;line-height:1.78}.hero-photo{position:relative;background:#aab8a6 url('https://images.unsplash.com/photo-1626222628055-fb92dd194160?auto=format&fit=crop&w=1650&q=85') center center/cover 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.number-icon{background:#c7e5dd;color:#0d6566}.three-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.feature{border:1px solid #dfe7e3;border-radius:9px;padding:30px;background:white}.feature .feature-icon{font-size:25px;display:block;margin-bottom:20px}.feature h3{font-size:23px;margin:0 0 13px}.feature p{font-size:13px}.feature a{color:var(--teal);font-size:13px;font-weight:800;text-decoration:none}.visual-strip{display:grid;grid-template-columns:1.05fr .95fr;min-height:440px;background:#0c3b45;border-radius:14px;overflow:hidden}.visual-strip-copy{padding:65px 60px;color:white;display:flex;flex-direction:column;justify-content:center}.visual-strip-copy h2{font-size:clamp(35px,4vw,58px)}.visual-strip-copy p{color:#c5d9da}.visual-strip-photo{background:#7a9296 url('https://images.unsplash.com/photo-1647579350437-ed3307900d0d?auto=format&fit=crop&w=1200&q=82') center 50%/cover}.pill-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:15px}.pill-tag{border:1px solid 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.6s}.reveal.visible{opacity:1;transform:none}@media(max-width:950px){.header-inner{min-height:78px}.main-nav{gap:14px}.hero-main{grid-template-columns:50% 50%;min-height:530px}.hero-copy{padding-left:30px;padding-right:24px}.hero-copy h1{font-size:clamp(44px,5.7vw,64px)}.section{padding:70px 0}.body-grid{gap:26px;grid-template-columns:minmax(0,1fr) 260px}.visual-strip-copy{padding:40px}.footer-grid{gap:22px}}@media(max-width:720px){.wrap{width:min(100% - 36px,1170px)}.menu-toggle{display:inline-flex}.main-nav{display:none;position:absolute;top:100%;background:white;left:0;right:0;padding:16px 24px 27px;border-top:1px solid var(--line);box-shadow:0 24px 30px #0b2a3420;flex-direction:column;align-items:stretch;gap:0}.main-nav.open{display:flex}.main-nav>a{padding:14px 8px}.hero-main{display:flex;flex-direction:column}.hero-copy{padding:63px 24px 55px}.hero-copy h1{font-size:clamp(51px,10vw,72px)}.hero-photo{min-height:310px}.photo-float{left:20px;bottom:20px;padding:16px}.section{padding:58px 0}.section-intro{display:block}.two-cards,.three-cards,.steps,.visual-strip,.body-grid,.footer-grid,.info-tiles{grid-template-columns:1fr}.journey-card{min-height:285px;padding:29px}.steps{gap:0}.visual-strip-photo{min-height:255px}.visual-strip-copy{padding:42px 28px}.sidebar{position:static}.page-hero{padding:58px 0}.page-hero h1{font-size:clamp(43px,8vw,60px)}.footer{padding:48px 0 25px}.footer-grid{gap:32px}.form-panel .actions{gap:10px}.form-panel .pill{flex:1}}@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;transition:none!important}.reveal{opacity:1;transform:none}}

/* Florida Veteran Home Guide | understated editorial visual system v3
   Avoid pure flag-red, bright royal blue, sterile white and luxury-gold cues.
   Distinct tiers: deep ink, dusty slate, oxblood, stone and warm ivory. */
:root{color-scheme:light}
body{background:var(--cream);color:var(--ink);line-height:1.68}
h1,h2,h3{font-family:'Manrope',var(--sans);letter-spacing:-.047em;line-height:1.13;font-weight:700}
h1{font-weight:750}
h3{font-weight:700}
.announcement{background:#243C4B;color:#DBE4E4;font-size:11px;letter-spacing:.015em;padding:9px 18px}
.announcement b{color:#F7F5F0;font-weight:650}
.site-header{background:#FCFCFA;border-bottom:1px solid #E0E4E1}
.header-inner{min-height:89px}
.logo{color:#253B49}
.logo-icon{background:#E7EBE9;color:#34586B;border-radius:9px}
.logo-word{font-weight:760;font-size:18px;letter-spacing:-.052em}
.logo-word small{font-weight:700;color:#7E8F91;letter-spacing:.16em}
.main-nav>a{color:#40555D;font-weight:650}
.main-nav>a:hover{color:#8F555D}
.main-nav>a.nav-cta{background:#8F555D;color:#fff;padding:13px 19px;border-radius:6px}
.main-nav>a.nav-cta:hover{background:#79434A;color:#fff}
.menu-toggle{background:#fff;color:#203746;border-color:#D9E1DE}
.eyebrow,.kicker{color:#657E85;font-weight:800;letter-spacing:.19em}
.text-orange{color:#8F555D}
.eyebrow.light{color:#D5C3B5}
.btn,.pill{background:#8F555D;color:#fff;border-radius:6px;font-weight:750;letter-spacing:.01em;box-shadow:none;transition:background .2s,transform .2s,box-shadow .2s}
.btn:hover,.pill:hover{background:#78434C;color:white;box-shadow:0 10px 24px #382E3519}
.btn.dark,.pill.dark{background:#2B4758;color:#fff}
.btn.dark:hover,.pill.dark:hover{background:#203746}
.btn.outline,.pill.outline{border-color:#A3B4B5;color:#314A55;background:transparent}
.btn.white{background:#F8F7F3;color:#223B4A}
.hero-main{grid-template-columns:49% 51%;min-height:605px;background:linear-gradient(120deg,#F8F7F4 4%,#F0F2EE 92%)}
.hero-copy{padding-top:73px;padding-bottom:70px}
.hero-copy h1{font-size:clamp(46px,5vw,73px);line-height:1.13;letter-spacing:-.055em;margin-bottom:25px;color:#253A45}
.hero-copy h1 em{font:italic 400 .99em/1.08 'Fraunces',Georgia,serif;letter-spacing:-.035em;color:#577886}
.hero-copy>p{font-size:16.5px;line-height:1.78;color:#5D7278}
.hero-copy .btn{padding:15px 21px}
.hero-photo{background-color:#BCC9C5;background-position:50% 53%;min-height:515px}
.hero-photo:after{background:linear-gradient(180deg,transparent 68%,#172F393B)}
.photo-float{max-width:270px;border:1px solid #E9EAE4;background:#FCFCF9;box-shadow:0 14px 40px #20313B1C;border-radius:8px;padding:20px 22px}
.photo-float strong{font:700 19px/1.27 'Manrope',sans-serif;color:#2C414C}
.photo-float p{font-size:12px;color:#687D80;line-height:1.55}
.photo-float .eyebrow{color:#8F555D}
.micro{color:#74858A;font-size:11px}
.micro:before{background:#A17879}
.section{background:#F7F6F2}
.section-white{background:#FFFEFC}
.section-sand{background:#EEEFEA}
.section-intro h2{font-weight:750}
.section-intro p{color:#65777A}
.journey-card{background:#FFFEFC;border:1px solid #E2E5E0;border-radius:8px;box-shadow:0 5px 20px #25333C06}
.journey-card:hover{box-shadow:0 16px 35px #25333C0E}
.journey-card:nth-child(2){background:#EFF1EE;border-color:#E0E6E0}
.journey-card h3{font-size:29px;color:#263A45}
.journey-card a{color:#546F7B}
.number-icon{border-radius:9px;background:#F1E4E2;color:#92575D;font:700 19px 'Manrope',sans-serif}
.journey-card:nth-child(2) .number-icon{background:#DFE8E7;color:#51727C}
.feature{border-color:#E3E6E1;border-radius:8px;background:#FFFEFC}
.feature .feature-icon{color:#64848C}
.feature a{color:#587986}
.visual-strip{background:#2A4554;border-radius:10px}
.visual-strip-copy{background:linear-gradient(145deg,#263F4E,#385968)}
.visual-strip-copy h2{color:#F8F7F3}
.visual-strip-copy p{color:#D4DFDC}
.visual-strip-photo{background-color:#ADBEBA;background-position:50% 52%}
.pill-tag{background:#FFFEFC;border-color:#DCE2DE;color:#576D75}
.pill-tag:hover{background:#294653;color:#fff}
.step{border-color:#DDE2DD}
.step:before{color:#A07877}
.cta-band{background:linear-gradient(113deg,#243D4B,#385C69);padding:77px 0}
.cta-band h2{color:#F9F7F2}
.cta-band p{color:#E0E7E4}
.page-hero{background:linear-gradient(120deg,#EDF0EB,#F9F8F4);border-bottom:1px solid #E0E4DF}
.page-hero:before{border-color:#DDE5DF;box-shadow:0 0 0 65px #E7ECE780,0 0 0 130px #E6ECE750}
.path-breadcrumbs{color:#738487}
.prose a{color:#577B87}
.prose .callout{background:#EDF1EE;border-left-color:#66858C;color:#536E72}
.sidebar{background:#FFFEFC;border-color:#DEE5DF;border-radius:8px}
.info-tile{background:#EDF2EE}
.form-panel{background:#FFFEFC;border-color:#E0E6E1;box-shadow:0 13px 42px #283E470B}
.stage label.choice{border-color:#DEE5DF}
.stage label.choice:has(input:checked){border-color:#75949A;background:#EDF2EF}
.stage input[type=checkbox],.stage input[type=radio]{accent-color:#8F555D}
.form-progress-bar{background:#8F555D}
.tool-output{color:#557D86}
.toolbox{background:#FFFEFC;border-color:#DEE5DF}
.footer{background:#1D3543;color:#CEDAD9}
.footer .logo{color:#F5F4F0}
.footer .logo small{color:#B7C7C6}
.footer .logo-icon{background:#DFE9E6;color:#34596A}
.footer p,.footer-column a{color:#BECFCD}
.footer hr{border-color:#49606A}
.footer-bottom{color:#AEC0C0}
.footer-bottom a{color:#D7C3B6}
a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid #A77A7B;outline-offset:3px}
@media(max-width:950px){.hero-copy{padding-top:62px;padding-bottom:62px}}
@media(max-width:720px){
.hero-main{display:flex;flex-direction:column}
.hero-copy{padding:60px 24px 50px}
.hero-copy h1{font-size:clamp(45px,9vw,65px)}
.hero-photo{min-height:315px;background-position:center 55%}
.photo-float{left:17px;bottom:17px;max-width:234px;padding:16px 18px}
.visual-strip-photo{min-height:245px}
.main-nav.open{background:#FCFCFA}
}
@media(prefers-reduced-motion:reduce){.btn,.pill{transition:none}}

/* Compact navigation and welcoming, focused intake v4 */
.announcement{padding:5px 14px;font-size:10px;line-height:1.4}
.header-inner{min-height:59px;gap:16px}
.logo{gap:9px}
.logo-icon{width:32px;height:32px}
.logo-icon svg{width:21px;height:21px}
.logo-word{font-size:15px;line-height:1.08}
.logo-word small{font-size:7px;letter-spacing:.12em;margin-top:3px}
.main-nav{gap:17px}
.main-nav>a{font-size:12px}
.main-nav>a.nav-cta{padding:9px 13px;font-size:12px}
.menu-toggle{min-height:40px;min-width:42px;align-items:center;justify-content:center;padding:6px}
.intake-shell{background:linear-gradient(120deg,#F4F4EF,#F9F8F5);padding:46px 0 56px;min-height:calc(100vh - 95px)}
.intake-layout{display:grid;grid-template-columns:minmax(0,.86fr) minmax(0,1.14fr);align-items:start;gap:clamp(28px,5vw,78px)}
.intake-intro{padding-top:36px}
.intake-intro .eyebrow{margin-bottom:16px}
.intake-intro h1{font-size:clamp(35px,3.9vw,54px);line-height:1.14;letter-spacing:-.052em;margin-bottom:17px}
.intake-lead{font-size:16px;line-height:1.67;color:#5B7075;max-width:480px}
.intake-assurance{display:grid;gap:20px;margin-top:34px;max-width:440px}
.intake-assurance>div{padding-left:17px;border-left:2px solid #C8D6D3}
.intake-assurance strong{font-size:14px;color:#29434E}
.intake-assurance p{font-size:12px;line-height:1.65;margin:4px 0 0}
.intake-independent{font-size:11px;color:#718387;max-width:390px;margin-top:30px}
.intake-card{max-width:none;width:100%;padding:27px 31px 23px;border-radius:12px;box-shadow:0 16px 42px #253B4611}
.intake-card-heading{display:flex;justify-content:space-between;gap:12px;align-items:center;border-bottom:1px solid #E6E8E3;padding-bottom:17px;margin-bottom:20px;font-size:13px;font-weight:750}
.intake-time{font-size:11px;font-weight:600;color:#77898A;white-space:nowrap}
.intake-card .eyebrow{margin-bottom:6px;font-size:10px;letter-spacing:.15em}
.intake-card .form-progress{margin:8px 0 22px;height:4px}
.intake-card .stage>h2{font-size:clamp(22px,2.4vw,27px);margin-bottom:8px}
.intake-card .stage>p{font-size:13px;line-height:1.6;margin-bottom:17px}
.intake-card .stage>label,.intake-card #buyer-fields>label,.intake-card #refinance-fields>label{font-weight:700;margin:12px 0;font-size:12.5px}
.intake-card .stage input:not([type=checkbox]):not([type=radio]),.intake-card .stage select{padding:11px 12px;margin-top:5px;font-size:14px;min-height:44px}
.intake-card .stage label.choice{padding:12px 15px;margin:10px 0;font-size:13px}
.intake-card .stage .required-note{font-weight:500;color:#75878A}
.intake-card .form-panel .actions{margin-top:18px}
.intake-card .actions{margin-top:20px}
.intake-card .pill{padding:12px 18px}
.intake-card .optional-note{font-size:11px;color:#6E8082;margin:13px 0 0}
.intake-card .contact-pair{display:grid;grid-template-columns:1fr 1fr;gap:13px}
.intake-card .contact-pair>label{display:block;font-size:12.5px;font-weight:700;margin:12px 0}
.intake-card .error{margin:8px 0 0}
.intake-footnote{font-size:10.5px;line-height:1.55;margin:21px 0 0;color:#77868A}
.intake-more{background:#F8F7F3;padding:16px 0;border-top:1px solid #E2E7E1}
.intake-more p{font-size:12px;margin:0;text-align:center}
.intake-more a{color:#526F78}
@media(max-width:1050px){
.header-inner{min-height:58px}
.main-nav{gap:11px}
.main-nav>a{font-size:11px}
.intake-layout{gap:28px}
}
@media(max-width:850px){
.header-inner{min-height:58px}
.menu-toggle{display:inline-flex}
.main-nav{display:none;position:absolute;top:100%;left:0;right:0;background:#FCFCFA;border-top:1px solid #E1E6E2;box-shadow:0 15px 22px #17344316;padding:12px 22px 19px;flex-direction:column;align-items:stretch;gap:0}
.main-nav.open{display:flex}
.main-nav>a{font-size:14px;padding:12px 8px}
.main-nav>a.nav-cta{padding:12px 14px;text-align:center;margin-top:6px}
.intake-layout{grid-template-columns:1fr;gap:23px;max-width:680px}
.intake-intro{padding-top:0}
.intake-intro h1{font-size:clamp(32px,5vw,44px)}
.intake-assurance{grid-template-columns:repeat(3,1fr);gap:11px;max-width:none;margin-top:23px}
.intake-assurance>div{padding-left:11px}
.intake-independent{margin-top:16px}
.intake-shell{padding:33px 0 44px}
}
@media(max-width:560px){
.announcement{font-size:9px;padding:5px 7px}
.header-inner{min-height:54px}
.logo-icon{width:30px;height:30px}
.logo-word{font-size:13.5px}
.logo-word small{display:none}
.intake-shell{padding:25px 0 34px}
.intake-intro h1{font-size:32px;margin-bottom:11px}
.intake-lead{font-size:14px;line-height:1.55}
.intake-assurance{display:none}
.intake-independent{font-size:10px;margin:11px 0 0}
.intake-card{padding:20px 18px 18px}
.intake-card-heading{font-size:12px;padding-bottom:13px;margin-bottom:18px}
.intake-card .contact-pair{grid-template-columns:1fr;gap:0}
.intake-card .actions{gap:9px}
.intake-card .pill{font-size:12px;padding:12px 13px}
.intake-card .stage label.choice{font-size:13px}
}

/* Statewide Florida Guides hub — restrained editorial design, Oct 2026 */
.guide-hub{background:#F7F6F2}
.guide-hub-hero{background:linear-gradient(123deg,#F1F2EE 0%,#F9F8F5 100%);padding:62px 0 70px}
.guide-hub-hero-grid{display:grid;grid-template-columns:minmax(0,1.07fr) minmax(0,.93fr);gap:clamp(34px,6vw,90px);align-items:center}
.guide-hub-hero h1{font-family:'Manrope',sans-serif;font-size:clamp(38px,4.3vw,66px);line-height:1.12;max-width:680px;font-weight:750;letter-spacing:-.052em;margin:0 0 22px}
.guide-hub-hero p{font-size:16px;line-height:1.72;max-width:600px;color:#617478}
.guide-hub-hero .eyebrow{margin-bottom:18px}
.guide-hub-actions{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0 18px}
.guide-hub-actions .btn{padding:14px 19px}
.guide-hub-actions .btn.outline{border-color:#AAB9B6;background:transparent;color:#294753}
.guide-hub .guide-quiet{font-size:11px;color:#778686}
.guide-hub-checklist{background:#FFFEFB;border:1px solid #E0E7E1;border-radius:13px;box-shadow:0 18px 50px #27423B0C;padding:35px 39px}
.guide-hub-checklist .eyebrow{font-size:10px;margin:0 0 11px;color:#8B6967}
.guide-hub-checklist h2{font-size:clamp(26px,2.6vw,35px);font-weight:730;line-height:1.18;margin:0 0 22px;letter-spacing:-.045em}
.guide-check-item{display:flex;gap:15px;padding:16px 0;border-top:1px solid #E6EBE7}
.guide-check-num{font:750 12px 'Manrope',sans-serif;color:#8B6B69;padding-top:3px}
.guide-check-item strong{font-size:14px;color:#28414A}
.guide-check-item p{font-size:12px;line-height:1.6;margin:3px 0 0;color:#687C7B}
.guide-check-link{display:inline-flex;margin-top:14px;color:#5D7479;font-weight:750;font-size:13px;text-decoration:none}
.guide-hub-section{padding:76px 0}
.guide-heading{display:flex;align-items:flex-end;justify-content:space-between;gap:36px;margin-bottom:28px}
.guide-heading .eyebrow{margin-bottom:10px}
.guide-heading h2{font-size:clamp(29px,3.3vw,45px);font-weight:750;max-width:760px;line-height:1.16;margin:0}
.guide-heading>p{font-size:14px;line-height:1.65;max-width:340px;margin:0}
.guide-path-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.guide-path-card{padding:31px 33px;background:#FFFEFC;border:1px solid #E0E6E1;border-radius:11px;display:flex;flex-direction:column;min-height:262px;transition:border-color .2s,box-shadow .2s}
.guide-path-card:hover{border-color:#B3C4BF;box-shadow:0 10px 30px #23394210}
.guide-path-num{font:750 11px 'Manrope',sans-serif;letter-spacing:.15em;color:#8E6063;margin-bottom:14px}
.guide-path-card h3{font-size:24px;line-height:1.22;font-weight:720;letter-spacing:-.038em;margin:0 0 11px}
.guide-path-card p{font-size:13px;line-height:1.7;max-width:410px;flex:1;margin:0 0 20px}
.guide-path-card a{font-size:13px;color:#536E78;font-weight:750;text-decoration:none}
.guide-path-card a:hover{color:#8F555D}
.guide-hub-tint{background:#EEF0EA}
.guide-feature-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}
.guide-feature-grid article{background:#FAFAF7;border:1px solid #DDE5DE;border-radius:10px;padding:25px 22px;min-height:250px;display:flex;flex-direction:column}
.guide-feature-dot{display:inline-block;width:10px;height:10px;border-radius:50%;background:#8B6769;margin-bottom:19px}
.guide-feature-grid h3{font-size:19px;font-weight:720;line-height:1.25;letter-spacing:-.035em}
.guide-feature-grid p{font-size:12px;line-height:1.65;flex:1}
.guide-feature-grid a{font-size:12px;color:#4C717D;font-weight:750;text-decoration:none}
.guide-local{background:#FCFBF8}
.guide-region-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.guide-region{background:#F6F7F3;border:1px solid #DFE5DF;border-radius:10px;padding:23px 25px}
.guide-region h3{font-size:19px;line-height:1.25;font-weight:750;margin-bottom:18px}
.guide-region-links{display:grid;gap:0}
.guide-region-links a{display:flex;justify-content:space-between;gap:8px;align-items:center;padding:12px 0;font-size:13px;text-decoration:none;color:#3C5863;border-top:1px solid #DFE6E1}
.guide-region-links a:hover{color:#8F555D}
.guide-regional-note{font-size:11px;color:#758687;margin:22px 0 0}
.guide-hub-bottom{padding:59px 0;background:linear-gradient(112deg,#263F4E,#3D5D65)}
.guide-hub-bottom-flex{display:flex;gap:28px;align-items:center;justify-content:space-between}
.guide-hub-bottom h2{font-size:clamp(29px,3.4vw,43px);font-weight:750;color:#FFFEF9;margin:0 0 12px}
.guide-hub-bottom p{max-width:610px;font-size:14px;color:#D7E2DF;margin:0}
.guide-hub-bottom .eyebrow{margin-bottom:10px;color:#D9C7C1}
.guide-hub-bottom .btn{flex-shrink:0}
.guide-hub-sources{padding:20px 0;background:#F1F2ED;border-top:1px solid #E0E6E0}
.guide-hub-sources p{font-size:11px;line-height:1.6;margin:0}
.guide-hub-sources a{color:#436F7C}
@media(max-width:980px){
.guide-hub-hero-grid{gap:30px}
.guide-hub-checklist{padding:26px}
.guide-feature-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:720px){
.guide-hub-hero{padding:38px 0 43px}
.guide-hub-hero-grid{grid-template-columns:1fr}
.guide-hub-hero h1{font-size:clamp(34px,8.2vw,48px)}
.guide-hub-hero p{font-size:14px}
.guide-hub-checklist{padding:22px 23px}
.guide-hub-section{padding:51px 0}
.guide-heading{display:block;margin-bottom:21px}
.guide-heading>p{margin-top:14px}
.guide-path-grid,.guide-region-grid{grid-template-columns:1fr}
.guide-path-card{min-height:0;padding:24px}
.guide-hub-bottom{padding:48px 0}
.guide-hub-bottom-flex{display:block}
.guide-hub-bottom .btn{margin-top:22px}
}
@media(max-width:500px){
.guide-feature-grid{grid-template-columns:1fr}
.guide-feature-grid article{min-height:0;padding:23px}
.guide-hub-actions{display:grid}
.guide-hub-actions a{justify-content:center}
}

/* Visual editorial v5 — magazine-scale guides, illustrative cost panels and richer article rhythm */
.story-guide-hero{position:relative;isolation:isolate;overflow:hidden;background:linear-gradient(128deg,#E9EEEA 0%,#F7F7F2 65%);padding:62px 0 72px}
.story-guide-hero::before{content:"";position:absolute;width:560px;height:560px;border:1px solid #C4D3CE;border-radius:50%;right:-185px;top:-280px;box-shadow:0 0 0 80px #DCE9E136,0 0 0 170px #D7E7DE20;z-index:-1}
.story-top-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(330px,.9fr);align-items:center;gap:60px}
.story-guide-hero h1{font-size:clamp(38px,4.6vw,63px);letter-spacing:-.052em;font-weight:770;line-height:1.13;max-width:740px;margin:0 0 23px}
.story-guide-hero .story-lead{max-width:660px;color:#5E7274;font-size:16px;line-height:1.75;margin-bottom:26px}
.story-action-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.story-visual{position:relative;min-height:310px;background:linear-gradient(140deg,#284757,#557178);border-radius:15px;padding:29px 30px;color:#FFF;box-shadow:0 18px 48px #263B421D;overflow:hidden}
.story-visual::before{content:"";position:absolute;width:290px;height:290px;border:1px solid #A4C4C5;opacity:.4;border-radius:50%;right:-115px;top:-105px;box-shadow:0 0 0 43px #BED3C410,0 0 0 87px #B6D0C30A}
.story-visual>*{position:relative}
.story-visual .eyebrow{color:#CDDEDC;font-size:10px;margin-bottom:15px}
.story-visual h2{font-size:clamp(25px,2.3vw,34px);font-weight:690;color:#FFFCF6;margin:0 0 21px}
.story-stat-rows{display:grid;gap:0}
.story-stat-row{display:flex;align-items:start;gap:15px;border-top:1px solid #FFFFFF35;padding:11px 0}
.story-stat-row span{font:700 11px 'DM Sans',sans-serif;color:#D2B4AD;padding-top:3px;min-width:21px}
.story-stat-row p{color:#F4F5EF;font-size:13px;line-height:1.5;margin:0}
.story-main{padding:75px 0}
.story-grid{display:grid;grid-template-columns:minmax(0,1fr) 292px;gap:clamp(28px,5vw,75px);align-items:start}
.story-copy{max-width:760px}
.story-copy>section{padding:6px 0 25px;border-bottom:1px solid #E1E6E0;margin:0 0 25px}
.story-copy h2{font-size:clamp(25px,2.3vw,32px);line-height:1.23;font-weight:760;letter-spacing:-.042em;margin:10px 0 14px}
.story-copy p{font-size:15px;line-height:1.9;color:#5B6D72}
.story-copy ul{padding-left:22px}
.story-copy li{color:#556B71;font-size:14px;line-height:1.8;padding:5px 0}
.story-copy a:not(.btn){color:#4C737E}
.story-sidebar{position:sticky;top:85px;padding:24px;background:#F0F3EF;border-radius:12px;border:1px solid #DEE6DF}
.story-sidebar h3{font-size:23px;font-weight:750;margin:0 0 12px}
.story-sidebar p{font-size:13px;line-height:1.75;margin-bottom:20px}
.story-sidebar a{display:block;padding:9px 0;border-top:1px solid #D9E3DD;color:#476675;font-size:12px;font-weight:750;text-decoration:none}
.story-sidebar a.btn{color:white;text-align:center;padding:14px;margin-bottom:17px}
.story-checklist{background:#EFF1EA;border-radius:12px;padding:25px 30px;margin:30px 0}
.story-checklist .eyebrow{margin:0 0 9px;font-size:10px}
.story-checklist h3{font-size:25px;font-weight:750;margin:0 0 12px}
.story-checklist li{padding:5px 0;color:#465F65;font-size:13px}
.story-faq{margin-top:36px}
.story-faq details{padding:16px 0;border-bottom:1px solid #DEE5DF}
.story-faq summary{font-size:15px;line-height:1.5;cursor:pointer;font-weight:740;color:#2B4652}
.story-faq details p{font-size:14px;margin:10px 0 4px}
.story-source-note{background:#F5F4EE;border-left:3px solid #8F676B;padding:17px 22px;margin:26px 0;font-size:12px;line-height:1.7;color:#657678}
.story-resource-links{display:grid;gap:9px;margin:20px 0 26px}
.story-resource-links a{display:block;border:1px solid #DDE4DE;padding:12px 15px;border-radius:6px;background:white;text-decoration:none;font-size:13px;font-weight:700}
.story-subcta{background:linear-gradient(110deg,#243D4C,#45656E);color:#FFF;border-radius:12px;padding:30px 35px;display:flex;align-items:center;justify-content:space-between;gap:22px;margin:35px 0 0}
.story-subcta h3{font-size:25px;color:#FFF;font-weight:760;margin:0 0 7px}
.story-subcta p{font-size:13px;color:#DBE4DF;margin:0}
.story-subcta .btn{white-space:nowrap}
.story-image-band{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);overflow:hidden;border-radius:14px;margin:48px 0;background:#2E4B58}
.story-image-band-photo{background-image:url('https://images.unsplash.com/photo-1626222628055-fb92dd194160?auto=format&fit=crop&w=1100&q=76');background-size:cover;background-position:center;min-height:265px}
.story-image-band-caption{padding:35px 36px;display:flex;flex-direction:column;justify-content:center}
.story-image-band-caption h3{font-size:29px;font-weight:730;color:#FCFCF8;margin:0 0 12px}
.story-image-band-caption p{font-size:13px;color:#D9E5E1;margin:0}
.page-hero{overflow:hidden;position:relative}
.page-hero .wrap{position:relative;z-index:1}
.page-hero::after{content:"";position:absolute;right:-110px;bottom:-260px;width:480px;height:480px;border-radius:50%;border:1px solid #D2DFD8;box-shadow:0 0 0 75px #CADCD633,0 0 0 160px #D6E5DD26;pointer-events:none}
.prose h2{padding-top:10px}
.prose .callout{border-radius:0 8px 8px 0}
@media(max-width:960px){.story-top-grid{gap:25px;grid-template-columns:1fr 1fr}.story-grid{grid-template-columns:minmax(0,1fr) 250px;gap:27px}}
@media(max-width:720px){.story-guide-hero{padding:40px 0 46px}.story-top-grid,.story-grid{grid-template-columns:1fr}.story-visual{min-height:270px;padding:25px}.story-main{padding:46px 0}.story-sidebar{position:static}.story-subcta{display:block;padding:27px}.story-subcta .btn{margin-top:20px}.story-image-band{grid-template-columns:1fr}.story-image-band-photo{min-height:210px}.story-image-band-caption{padding:27px}.story-guide-hero h1{font-size:clamp(36px,8vw,50px)}}

/* Editorial learning library */
.learn-hero{background:linear-gradient(125deg,#EEF2EC,#F9F8F3);padding:55px 0}
.learn-hero-grid{display:grid;grid-template-columns:1.03fr .97fr;gap:55px;align-items:center}
.learn-hero h1{font-size:clamp(39px,4.6vw,66px);font-weight:770;letter-spacing:-.052em;line-height:1.13;max-width:650px;margin:0 0 20px}
.learn-hero p{font-size:16px;line-height:1.76;max-width:540px;margin-bottom:27px}
.learn-hero-art{min-height:325px;border-radius:15px;overflow:hidden;position:relative;background:#A9BBB4 url('https://images.unsplash.com/photo-1626222628055-fb92dd194160?auto=format&fit=crop&w=1200&q=75') center/cover no-repeat}
.learn-hero-art::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 45%,#2138438F)}
.learn-hero-art-caption{position:absolute;z-index:1;bottom:23px;left:26px;right:23px;color:white}
.learn-hero-art-caption .eyebrow{color:#DBE7E1;margin-bottom:8px}
.learn-hero-art-caption strong{font:720 24px/1.25 'Manrope',sans-serif;display:block;max-width:330px}
.learn-section{padding:76px 0}
.learn-intro{text-align:center;max-width:720px;margin:0 auto 35px}
.learn-intro .eyebrow{margin-bottom:10px}
.learn-intro h2{font-size:clamp(31px,3.5vw,46px);font-weight:770;margin-bottom:12px}
.learn-intro p{font-size:14px}
.learn-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:17px}
.learn-tile{background:#FFFEFC;border:1px solid #DEE7DF;border-radius:11px;padding:28px 27px;display:flex;flex-direction:column;min-height:450px}
.learn-tile .eyebrow{font-size:10px;margin-bottom:12px}
.learn-tile h2{font-size:28px;font-weight:750;letter-spacing:-.035em;line-height:1.17;margin:0 0 13px}
.learn-tile>p{font-size:13px;line-height:1.7;margin-bottom:24px}
.learn-list{margin-top:auto}
.learn-list a{display:flex;justify-content:space-between;align-items:center;gap:13px;font-size:12px;color:#426573;font-weight:740;text-decoration:none;padding:12px 0;border-top:1px solid #E3E8E1}
.learn-list a:hover{color:#8F555D}
.learn-feature-section{background:#EDF0EA}
.learn-feature-grid{display:grid;grid-template-columns:1fr .88fr;gap:65px;align-items:center}
.learn-feature-grid h2{font-size:clamp(30px,3.5vw,48px);font-weight:760;letter-spacing:-.045em}
.learn-feature-grid p{font-size:14px;line-height:1.8}
.learn-mini-check{background:#FFFEFA;padding:29px 36px;border-radius:11px;border:1px solid #DCE5DD}
.learn-mini-check strong{font:750 21px 'Manrope',sans-serif}
.learn-mini-check ul{padding:0;list-style:none;margin:18px 0 0}
.learn-mini-check li{border-top:1px solid #E5EAE3;padding:12px 0 12px 20px;position:relative;font-size:13px;color:#5B7074}
.learn-mini-check li::before{content:"✓";position:absolute;left:0;color:#8F555D;font-weight:750}
.home-inline-guide{font-size:12px;color:#4C727B;text-decoration:none;margin-top:13px;font-weight:700;display:inline-block}
.guide-extra-links{display:flex;gap:18px;flex-wrap:wrap;margin-top:14px}
.guide-extra-links .guide-check-link{margin-top:0}
@media(max-width:900px){.learn-hero-grid{gap:22px}.learn-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.learn-feature-grid{gap:28px}}
@media(max-width:720px){.learn-hero{padding:35px 0}.learn-hero-grid,.learn-feature-grid{grid-template-columns:1fr}.learn-hero-art{min-height:230px}.learn-grid{grid-template-columns:1fr}.learn-tile{min-height:0}.learn-feature-grid{gap:22px}.learn-section{padding:48px 0}}

/* Quick-read decision graphic across approved existing guides */
.guide-feature-ribbon{background:#EDF1EB;border-top:1px solid #E0E7E0;border-bottom:1px solid #DCE4DC;padding:18px 0}
.guide-feature-ribbon>.wrap{display:flex;align-items:center;gap:32px}
.guide-feature-ribbon strong{font:730 13px/1.4 'Manrope',sans-serif;color:#2C4751;min-width:170px;max-width:205px}
.guide-feature-ribbon-points{display:flex;align-items:center;justify-content:space-between;flex:1;gap:14px}
.guide-feature-ribbon-points>span{font-size:12px;color:#4E6770;display:flex;gap:10px;align-items:center;line-height:1.4}
.guide-feature-ribbon-points b{color:#8F5C63;font-size:11px;font-weight:800}
@media(max-width:800px){.guide-feature-ribbon>.wrap{display:block}.guide-feature-ribbon strong{display:block;margin-bottom:12px}.guide-feature-ribbon-points{flex-wrap:wrap;gap:11px 24px;justify-content:flex-start}}
@media(max-width:510px){.guide-feature-ribbon-points{display:grid;grid-template-columns:1fr;gap:7px}.guide-feature-ribbon{padding:17px 0}}

.learn-tile-small{min-height:240px}.learn-tile-small h2{font-size:21px}.learn-tile-small p{font-size:12px}.learn-tile-small .eyebrow{font-size:9px}

.fvh-contact-dialog{position:fixed;inset:0;margin:auto;width:min(492px,calc(100vw - 30px));max-height:min(92dvh,760px);overflow:auto;padding:0;border:1px solid #DEE5E0;border-radius:13px;background:#FFFEFC;color:#263A45;box-shadow:0 24px 90px #1D35434A}
.fvh-contact-dialog::backdrop{background:rgba(20,37,43,.59);backdrop-filter:blur(3px)}
.fvh-dialog-head{display:flex;justify-content:space-between;align-items:center;padding:17px 24px 12px;border-bottom:1px solid #E7ECE7;gap:12px}
.fvh-dialog-kicker{font:800 10px/1.4 'DM Sans',sans-serif;letter-spacing:.15em;color:#657E85}
.fvh-dialog-x{background:#EEF1ED;border:0;border-radius:50%;color:#35515C;width:33px;height:33px;font-size:22px;display:grid;place-items:center}
.fvh-dialog-body{padding:22px 28px 23px}
.fvh-dialog-body h2{font:750 28px/1.14 'Manrope',sans-serif;letter-spacing:-.045em;margin:0 0 11px}
.fvh-dialog-intro{font-size:13px;line-height:1.7;color:#60777B;margin:0 0 19px}
.fvh-fields{display:grid;grid-template-columns:1fr 1fr;gap:13px}
.fvh-fields label{font-size:12px;line-height:1.5;font-weight:730;display:block}
.fvh-fields .fvh-wide{grid-column:1/-1}
.fvh-fields input{display:block;min-width:0;width:100%;margin-top:5px;border:1px solid #CCD9D4;border-radius:6px;background:#fff;padding:10px 11px;font-size:15px;color:#223D47;min-height:43px}
.fvh-dialog-consent{display:flex;align-items:flex-start;gap:10px;font-size:11px;line-height:1.55;color:#4F686C;margin:17px 0 10px}
.fvh-dialog-consent input{width:17px;height:17px;flex:none;accent-color:#8F555D;margin:1px 0 0}
.fvh-dialog-consent a{color:#3F6D78}
.fvh-dialog-submit{width:100%;padding:13px 17px;background:#8F555D;border:none;border-radius:7px;color:white;font:750 14px 'Manrope',sans-serif}
.fvh-dialog-submit:disabled{opacity:.64;cursor:wait}
.fvh-dialog-later{display:block;margin:13px auto 0;color:#65797C;background:transparent;border:0;text-decoration:underline;font-size:12px}
.fvh-dialog-disclaimer{font-size:10px;line-height:1.55;color:#84918D;text-align:center;margin:13px 0 0}
.fvh-dialog-error{font-size:12px;color:#A0404C;margin:4px 0 10px}
.fvh-dialog-error:empty{display:none}
.fvh-hp{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;overflow:hidden!important}
.fvh-dialog-success h3{font:750 22px 'Manrope',sans-serif;margin:0 0 9px}
.fvh-dialog-success p{font-size:13px;line-height:1.6;margin-bottom:22px}
@media(max-width:520px){.fvh-contact-dialog{max-height:calc(100dvh - 20px);width:calc(100vw - 20px)}.fvh-dialog-head{padding:13px 18px 10px}.fvh-dialog-body{padding:18px 20px 20px}.fvh-dialog-body h2{font-size:25px}.fvh-fields{gap:10px}}
@media(max-width:365px){.fvh-fields{grid-template-columns:1fr}.fvh-fields .fvh-wide{grid-column:auto}}