.guide-page { background: #f6f5f1; }
.guide-hero, .guide-section, .compare-section, .guide-sources { width: min(1240px, calc(100% - 72px)); margin: auto; }
.guide-hero { min-height: 690px; padding: 76px 0 88px; display: grid; grid-template-columns: 1.05fr .75fr; gap: 110px; align-items: center; }
.back-link { margin-bottom: 48px; display: inline-block; color: #66736f; font-size: 13px; font-weight: 700; text-decoration: none; }
.back-link:hover { color: #bd6f08; }
.guide-hero h1 { max-width: 780px; margin: 0; font-size: clamp(65px, 6vw, 92px); line-height: .91; }
.guide-lede { max-width: 700px; margin: 32px 0 27px; color: #4e5d58; font-size: 21px; line-height: 1.65; }
.key-warning { max-width: 700px; padding: 19px 22px; border-left: 4px solid #bd6f08; background: #ece9df; color: #3f4d49; font-size: 15px; line-height: 1.65; }
.key-warning b { color: #172321; }
.term-card { padding: 34px; background: #172321; color: white; box-shadow: 18px 20px 0 #e0ddd3; }
.term-card > p { margin: 0 0 28px; color: #a9c5bb; font-size: 10px; font-weight: 700; letter-spacing: .16em; }
.term-card > div { padding: 20px; border: 1px solid #49605a; }
.term-card > div span, .term-card > div strong { display: block; }
.term-card > div span { margin-bottom: 7px; color: #bdcbc6; font-size: 11px; text-transform: uppercase; }
.term-card > div strong { font-family: "DM Serif Display", serif; font-size: 30px; font-weight: 400; }
.term-card > i { padding: 9px; display: block; color: #bd6f08; font-style: normal; text-align: center; }
.term-card .term-card-risk { border-color: #bd6f08; background: #253633; }
.term-card small { margin-top: 20px; display: block; color: #91a19c; font-size: 10px; line-height: 1.5; }
.page-index { padding: 23px max(36px, calc((100% - 1240px) / 2)); display: flex; gap: 36px; align-items: center; border-top: 1px solid #d9ddd7; border-bottom: 1px solid #d9ddd7; background: white; overflow-x: auto; white-space: nowrap; }
.page-index span { color: #bd6f08; font-size: 9px; font-weight: 700; letter-spacing: .14em; }
.page-index a { color: #53625d; font-size: 12px; font-weight: 700; text-decoration: none; }
.page-index a:hover { color: #07513f; }
.guide-section { padding: 112px 0; scroll-margin-top: 84px; }
.guide-heading { max-width: 880px; }
.guide-heading h2, .coupon-section h2, .lab-section h2 { margin: 0; font-size: clamp(48px, 5vw, 72px); line-height: .98; }
.guide-heading > p:last-child { max-width: 760px; margin: 25px 0 0; color: #66736f; font-size: 18px; line-height: 1.7; }
.mechanics-flow { margin-top: 64px; display: grid; grid-template-columns: repeat(4, 1fr); border: 1px solid #d9ddd7; background: white; }
.mechanics-flow article { min-height: 310px; padding: 30px; position: relative; }
.mechanics-flow article + article { border-left: 1px solid #d9ddd7; }
.mechanics-flow article:not(:last-child)::after { content: "→"; width: 31px; height: 31px; display: grid; place-items: center; position: absolute; top: 34px; right: -16px; z-index: 2; border-radius: 50%; background: #bd6f08; color: white; }
.mechanics-flow b { width: 42px; height: 42px; margin-bottom: 45px; display: grid; place-items: center; border-radius: 50%; background: #e6ece5; color: #07513f; font-family: "DM Serif Display", serif; font-size: 20px; }
.mechanics-flow span { color: #bd6f08; font-size: 9px; font-weight: 700; letter-spacing: .12em; }
.mechanics-flow h3 { margin: 12px 0; font-size: 21px; }
.mechanics-flow p { margin: 0; color: #66736f; font-size: 15px; line-height: 1.65; }
.plain-note { margin-top: 25px; padding: 23px 26px; border: 1px solid #d9ddd7; color: #53625d; font-size: 14px; line-height: 1.65; }
.plain-note strong { color: #172321; }
.coupon-section { padding: 112px max(36px, calc((100% - 1240px) / 2)); display: grid; grid-template-columns: .75fr 1.25fr; gap: 110px; background: #172321; color: white; scroll-margin-top: 84px; }
.coupon-copy .large-copy { margin: 0 0 43px; color: #d2ddda; font-size: 20px; line-height: 1.7; }
.coupon-balance { display: grid; grid-template-columns: 1fr auto 1fr; gap: 26px; align-items: center; }
.coupon-balance article { min-height: 220px; padding: 28px; border: 1px solid #465852; }
.coupon-balance span { color: #a9c5bb; font-size: 9px; font-weight: 700; letter-spacing: .13em; }
.coupon-balance strong { margin: 36px 0 14px; display: block; color: white; font-family: "DM Serif Display", serif; font-size: 34px; font-weight: 400; }
.coupon-balance p { margin: 0; color: #bdcbc6; font-size: 14px; line-height: 1.6; }
.coupon-balance i { color: #bd6f08; font-size: 25px; font-style: normal; }
.source-note { margin: 25px 0 0; color: #92a39d; font-size: 12px; line-height: 1.6; }
.market-section { border-bottom: 1px solid #d9ddd7; }
.market-grid { margin-top: 58px; display: grid; grid-template-columns: 1fr 1fr; border: 1px solid #d9ddd7; background: white; }
.market-grid article { min-height: 355px; padding: 34px; }
.market-grid article + article { border-left: 1px solid #d9ddd7; }
.market-grid span { color: #07513f; font-size: 9px; font-weight: 700; letter-spacing: .12em; }
.market-grid h3 { margin: 43px 0 21px; font-family: "DM Serif Display", serif; font-size: 31px; font-weight: 400; line-height: 1.06; }
.market-grid ul { margin: 0; padding: 0; list-style: none; }
.market-grid li { padding: 8px 0 8px 20px; position: relative; color: #596863; font-size: 14px; line-height: 1.55; }
.market-grid li::before { content: "✓"; position: absolute; left: 0; color: #367a50; font-weight: 700; }
.market-caution { background: #f2e8e4; }
.market-caution span { color: #983329; }
.market-caution li::before { content: "!"; color: #ad382e; }
.market-test { padding: 25px 28px; display: grid; grid-template-columns: 180px 1fr; gap: 25px; background: #07513f; color: white; }
.market-test strong { font-family: "DM Serif Display", serif; font-size: 23px; font-weight: 400; }
.market-test p { margin: 0; color: #d5e2de; font-size: 14px; line-height: 1.65; }
.market-caveat { margin: 20px 0 0; color: #6c7874; font-size: 11px; line-height: 1.6; }
.levels-layout { margin-top: 64px; display: grid; grid-template-columns: .8fr 1.2fr; gap: 85px; }
.level-map { align-self: start; border: 1px solid #cbd3cc; background: white; box-shadow: 0 14px 35px rgba(24, 48, 40, .07); }
.level-map > header { padding: 18px 22px; display: flex; justify-content: space-between; align-items: center; border-bottom: 1px solid #d9ddd7; }
.level-map > header span { color: #66736f; font-size: 9px; font-weight: 700; letter-spacing: .12em; }
.level-map > header strong { color: #07513f; font-size: 14px; }
.level-map-body { height: 410px; padding: 28px 22px 28px 0; display: grid; grid-template-columns: 62px 1fr; }
.level-axis { height: 100%; position: relative; border-right: 1px solid #aab5ae; }
.level-axis span { position: absolute; top: var(--position); right: 12px; color: #6d7b76; font-size: 10px; line-height: 1; transform: translateY(-50%); }
.level-axis span:first-child { transform: none; }
.level-axis span:last-child { transform: translateY(-100%); }
.level-zones { height: 100%; display: grid; grid-template-rows: 3fr 2fr 3fr; position: relative; }
.level-zone { padding: 24px 118px 14px 19px; border-bottom: 1px solid rgba(92, 111, 103, .16); }
.level-zone b, .level-zone small { display: block; }
.level-zone b { margin-bottom: 5px; color: #243632; font-size: 11px; text-transform: uppercase; }
.level-zone small { max-width: 230px; color: #66736f; font-size: 10px; line-height: 1.45; }
.level-zone.above { padding-top: 62px; background: #e4efe7; }
.level-zone.buffer { background: #f3eddf; }
.level-zone.loss { border-bottom: 0; background: #f2e2df; }
.level-zone.loss b { color: #963229; }
.level-marker { width: 100%; position: absolute; top: var(--position); left: 0; z-index: 2; border-top: 3px solid; }
.level-marker > i { width: 11px; height: 11px; position: absolute; top: -7px; left: -6px; border: 3px solid white; border-radius: 50%; background: currentColor; box-shadow: 0 0 0 1px currentColor; }
.level-marker > span { min-width: 91px; padding: 6px 9px; display: flex; justify-content: space-between; gap: 8px; align-items: baseline; position: absolute; top: -17px; right: 7px; background: white; border: 1px solid currentColor; box-shadow: 0 3px 9px rgba(24, 48, 40, .08); }
.level-marker b { font-size: 9px; text-transform: uppercase; }
.level-marker strong { font-family: "DM Serif Display", serif; font-size: 18px; font-weight: 400; }
.level-marker.current { color: #117c75; }
.level-marker.current { width: 48%; right: 0; left: auto; border-top-style: dashed; }
.level-marker.strike { color: #a96107; }
.level-marker.barrier { color: #a4352c; }
.level-map > footer { padding: 17px 22px; border-top: 1px solid #d9ddd7; color: #596762; font-size: 11px; line-height: 1.55; }
.level-map > footer b { color: #172321; }
.term-explainers { border-top: 1px solid #d9ddd7; }
.term-explainers article { padding: 29px 0; display: grid; grid-template-columns: 55px 1fr; border-bottom: 1px solid #d9ddd7; }
.term-explainers article > span { color: #bd6f08; font-size: 10px; font-weight: 700; }
.term-explainers h3 { margin: 0 0 9px; font-size: 22px; }
.term-explainers p { margin: 0; color: #66736f; font-size: 16px; line-height: 1.68; }
.example-section { padding: 112px max(36px, calc((100% - 1240px) / 2)); background: #063c30; color: white; scroll-margin-top: 84px; }
.light-heading > p:last-child { color: #c9d8d3; }
.example-terms { margin-top: 55px; display: grid; grid-template-columns: repeat(6, 1fr); border: 1px solid #3d6258; }
.example-terms div { padding: 20px 18px; }
.example-terms div + div { border-left: 1px solid #3d6258; }
.example-terms span, .example-terms strong { display: block; }
.example-terms span { color: #9eb5ad; font-size: 9px; text-transform: uppercase; }
.example-terms strong { margin-top: 8px; font-size: 15px; }
.payoff-formula { margin-top: 22px; padding: 25px; border: 1px solid #4d7168; background: #0b493b; }
.payoff-formula > span { color: #a9c5bb; font-size: 9px; font-weight: 700; letter-spacing: .1em; }
.payoff-formula > div { margin-top: 17px; display: flex; flex-wrap: wrap; gap: 11px; align-items: center; }
.payoff-formula > div strong { padding: 9px 12px; background: #f6f5f1; color: #172321; font-size: 14px; }
.payoff-formula > div b { color: #d59947; font-size: 20px; }
.payoff-formula p { margin: 16px 0 0; color: #c9d8d3; font-size: 13px; }
.payoff-formula p b { color: white; }
.scenario-table-wrap { margin-top: 22px; overflow-x: auto; }
.scenario-table { width: 100%; min-width: 1040px; border-collapse: collapse; background: #f8f7f3; color: #172321; }
.scenario-table th { padding: 18px; background: #e6ece5; color: #53625d; font-size: 10px; letter-spacing: .06em; text-align: left; text-transform: uppercase; }
.scenario-table td { padding: 20px 18px; border-top: 1px solid #d9ddd7; font-size: 14px; line-height: 1.55; }
.scenario-table td:first-child { width: 220px; }
.scenario-table td b, .scenario-table td span { display: block; }
.scenario-table td b { font-family: "DM Serif Display", serif; font-size: 27px; font-weight: 400; }
.scenario-table td:first-child > span { color: #66736f; font-size: 11px; }
.scenario-table td strong { font-size: 19px; }
.scenario-table .positive td:first-child { border-left: 5px solid #438a5a; }
.scenario-table .neutral td:first-child { border-left: 5px solid #bd6f08; }
.scenario-table .negative td:first-child { border-left: 5px solid #b43b30; }
.status { width: fit-content; padding: 6px 10px; font-size: 10px; font-weight: 700; text-transform: uppercase; }
.status.safe { background: #deebdf; color: #296d3e; }
.status.loss { background: #f3dedb; color: #9b3027; }
.example-caveat { margin-top: 22px; color: #b9cec7; font-size: 11px; line-height: 1.65; }
.risk-card-grid { margin-top: 60px; display: grid; grid-template-columns: repeat(6, 1fr); border: 1px solid #d9ddd7; }
.risk-card { min-height: 315px; padding: 29px; grid-column: span 2; background: white; }
.risk-card + .risk-card { border-left: 1px solid #d9ddd7; }
.risk-card:nth-child(4) { border-left: 0; }
.risk-card:nth-child(n+4) { border-top: 1px solid #d9ddd7; }
.risk-card.featured { grid-column: span 3; background: #172321; color: white; }
.risk-card.featured + .risk-card { grid-column: span 3; }
.risk-card span { color: #bd6f08; font-size: 10px; font-weight: 700; }
.risk-card h3 { margin: 48px 0 15px; font-family: "DM Serif Display", serif; font-size: 28px; font-weight: 400; }
.risk-card p { margin: 0; color: #66736f; font-size: 15px; line-height: 1.68; }
.risk-card.featured p { color: #c5d3ce; }
.compare-section { padding: 112px 0; scroll-margin-top: 84px; }
.comparison { margin-top: 60px; display: grid; grid-template-columns: 1fr 55px 1fr; align-items: center; }
.comparison article { border: 1px solid #d9ddd7; background: white; }
.comparison article header { padding: 25px 28px; display: flex; justify-content: space-between; align-items: center; background: #e6ece5; }
.comparison article header span { color: #07513f; font-size: 10px; font-weight: 700; letter-spacing: .12em; }
.comparison article header strong { font-family: "DM Serif Display", serif; font-size: 29px; font-weight: 400; }
.comparison .higher-risk header { background: #f2e2df; }
.comparison .higher-risk header span { color: #9b3027; }
.comparison dl { margin: 0; padding: 16px 28px; }
.comparison dl div { padding: 17px 0; display: grid; grid-template-columns: 130px 1fr; border-bottom: 1px solid #e4e6e1; }
.comparison dl div:last-child { border-bottom: 0; }
.comparison dt { color: #66736f; font-size: 12px; }
.comparison dd { margin: 0; font-size: 14px; font-weight: 700; }
.versus { color: #bd6f08; font-family: "DM Serif Display", serif; font-size: 35px; text-align: center; }
.comparison-note { color: #66736f; font-size: 11px; line-height: 1.6; }
.lab-section { padding: 112px max(36px, calc((100% - 1240px) / 2)); display: grid; grid-template-columns: .9fr 1.1fr; gap: 100px; background: #172321; color: white; }
.lab-copy > p:not(.eyebrow) { max-width: 570px; margin: 25px 0 0; color: #c9d8d3; font-size: 17px; line-height: 1.72; }
.lab-copy .button { margin-top: 35px; }
.lab-steps { margin: 0; padding: 0; border-top: 1px solid #3f5550; list-style: none; }
.lab-steps li { padding: 28px 0; display: grid; grid-template-columns: 55px 1fr; border-bottom: 1px solid #3f5550; }
.lab-steps li > span { color: #bd6f08; font-size: 10px; font-weight: 700; }
.lab-steps strong { font-size: 19px; }
.lab-steps p { margin: 7px 0 0; color: #bdcbc6; font-size: 14px; line-height: 1.65; }
.glossary-grid { margin: 58px 0 0; display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid #d9ddd7; border-left: 1px solid #d9ddd7; }
.glossary-grid div { min-height: 175px; padding: 27px; border-right: 1px solid #d9ddd7; border-bottom: 1px solid #d9ddd7; }
.glossary-grid dt { margin-bottom: 12px; font-family: "DM Serif Display", serif; font-size: 23px; }
.glossary-grid dd { margin: 0; color: #66736f; font-size: 14px; line-height: 1.65; }
.guide-faq { display: grid; grid-template-columns: .78fr 1.22fr; gap: 100px; border-top: 1px solid #d9ddd7; }
.guide-sources { padding: 38px 0 70px; border-top: 1px solid #d9ddd7; }
.guide-sources h2 { margin: 0 0 10px; font-size: 21px; }
.guide-sources p { max-width: 960px; margin: 0; color: #66736f; font-size: 13px; line-height: 1.7; }
.guide-sources a { color: #07513f; font-weight: 700; }
.guide-closing { margin-top: 0; }
.button.paper { background: #f6f5f1; color: #172321; }
.button.outline-dark { border: 2px solid #172321; background: transparent; color: #172321; }
.faq-list { border-top: 1px solid #d9ddd7; }
.faq-list details { border-bottom: 1px solid #d9ddd7; }
.faq-list summary { padding: 25px 42px 25px 0; position: relative; cursor: pointer; font-size: 16px; font-weight: 700; list-style: none; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: "+"; position: absolute; right: 5px; color: #bd6f08; font-size: 21px; font-weight: 400; }
.faq-list details[open] summary::after { content: "–"; }
.faq-list p { max-width: 710px; margin: -5px 0 26px; color: #66736f; font-size: 15px; line-height: 1.7; }
.closing { padding: 112px 36px; text-align: center; background: #bd6f08; color: white; }
.closing .eyebrow { color: #f7dfbc; }
.closing h2 { margin: 0; font-size: clamp(52px, 6vw, 82px); line-height: .95; }
.closing h2 em { color: #172321; }
.closing-actions { margin-top: 40px; display: flex; align-items: center; justify-content: center; gap: 30px; }

@media (max-width: 1040px) {
  .guide-hero, .coupon-section, .lab-section, .guide-faq { grid-template-columns: 1fr; gap: 60px; }
  .term-card { max-width: 650px; }
  .mechanics-flow { grid-template-columns: 1fr 1fr; }
  .mechanics-flow article:nth-child(3) { border-left: 0; border-top: 1px solid #d9ddd7; }
  .mechanics-flow article:nth-child(4) { border-top: 1px solid #d9ddd7; }
  .mechanics-flow article:nth-child(2)::after { display: none; }
  .example-terms { grid-template-columns: repeat(3, 1fr); }
  .example-terms div:nth-child(4) { border-left: 0; border-top: 1px solid #3d6258; }
  .example-terms div:nth-child(n+5) { border-top: 1px solid #3d6258; }
}

@media (max-width: 720px) {
  .guide-hero, .guide-section, .compare-section, .guide-sources { width: calc(100% - 40px); }
  .guide-hero { min-height: 0; padding: 55px 0 80px; gap: 50px; }
  .guide-hero h1 { font-size: 53px; }
  .guide-hero h1 em { display: block; }
  .guide-lede { font-size: 18px; }
  .term-card { padding: 24px; box-shadow: 10px 12px 0 #e0ddd3; }
  .page-index { padding-left: 20px; padding-right: 20px; }
  .guide-section, .compare-section { padding: 82px 0; }
  .coupon-section, .example-section, .lab-section { padding: 82px 20px; }
  .guide-heading h2, .coupon-section h2, .lab-section h2 { font-size: 44px; }
  .mechanics-flow { grid-template-columns: 1fr; }
  .mechanics-flow article { min-height: 275px; }
  .mechanics-flow article + article { border-left: 0; border-top: 1px solid #d9ddd7; }
  .mechanics-flow article:not(:last-child)::after { content: "↓"; top: auto; right: 28px; bottom: -16px; }
  .coupon-balance { grid-template-columns: 1fr; }
  .coupon-balance i { transform: rotate(90deg); text-align: center; }
  .market-grid { grid-template-columns: 1fr; }
  .market-grid article { min-height: 0; }
  .market-grid article + article { border-left: 0; border-top: 1px solid #d9ddd7; }
  .market-test { grid-template-columns: 1fr; gap: 10px; }
  .levels-layout { grid-template-columns: 1fr; gap: 50px; }
  .level-map-body { height: 430px; grid-template-columns: 54px 1fr; }
  .level-zone { padding: 24px 106px 14px 16px; }
  .example-terms { grid-template-columns: 1fr 1fr; }
  .example-terms div:nth-child(odd) { border-left: 0; }
  .example-terms div:nth-child(n+3) { border-top: 1px solid #3d6258; }
  .scenario-table-wrap { overflow: visible; }
  .scenario-table { min-width: 0; border-collapse: separate; background: transparent; }
  .scenario-table thead { display: none; }
  .scenario-table tbody, .scenario-table tr, .scenario-table td { display: block; }
  .scenario-table tr { margin-bottom: 18px; border: 1px solid #d9ddd7; background: #f8f7f3; }
  .scenario-table td, .scenario-table td:first-child { width: auto; padding: 14px 16px 14px 44%; position: relative; border-top: 1px solid #d9ddd7; border-left: 0; }
  .scenario-table td:first-child { border-top: 0; }
  .scenario-table td::before { content: attr(data-label); width: 38%; position: absolute; top: 16px; left: 16px; color: #66736f; font-size: 9px; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; }
  .scenario-table .positive td:first-child { border-left: 5px solid #438a5a; }
  .scenario-table .neutral td:first-child { border-left: 5px solid #bd6f08; }
  .scenario-table .negative td:first-child { border-left: 5px solid #b43b30; }
  .risk-card-grid { grid-template-columns: 1fr; }
  .risk-card, .risk-card.featured, .risk-card.featured + .risk-card { min-height: 285px; grid-column: auto; }
  .risk-card + .risk-card { border-left: 0; border-top: 1px solid #d9ddd7; }
  .comparison { grid-template-columns: 1fr; gap: 18px; }
  .versus { line-height: 1; }
  .glossary-grid { grid-template-columns: 1fr; }
  .glossary-grid div { min-height: 145px; }
}

@media (max-width: 430px) {
  .guide-hero h1 { font-size: 46px; overflow-wrap: anywhere; }
  .guide-lede { font-size: 17px; }
  .term-card > div strong { font-size: 25px; }
  .guide-heading h2, .coupon-section h2, .lab-section h2 { font-size: 39px; }
  .level-map > header { padding: 15px; align-items: flex-start; flex-direction: column; gap: 6px; }
  .level-map-body { height: 470px; padding-right: 10px; grid-template-columns: 48px 1fr; }
  .level-axis span { right: 8px; }
  .level-zone { padding-right: 96px; }
  .level-zone small { font-size: 9px; }
  .level-marker > span { min-width: 84px; padding: 5px 7px; right: 2px; }
  .level-marker strong { font-size: 16px; }
  .payoff-formula { padding: 20px 16px; }
  .payoff-formula > div { align-items: flex-start; flex-direction: column; gap: 7px; }
  .payoff-formula > div b { height: 15px; line-height: 12px; }
  .scenario-table td, .scenario-table td:first-child { padding-left: 42%; }
  .comparison dl div { grid-template-columns: 100px 1fr; }
  .closing { padding: 78px 20px; }
  .closing-actions { align-items: stretch; flex-direction: column; gap: 16px; }
}

@media print {
  .guide-hero, .guide-section, .compare-section, .guide-sources { width: 135.15%; max-width: none; }
  .page-index { display: none; }
  .guide-section, .compare-section { padding: 12mm 8mm; }
  .coupon-section, .example-section, .lab-section { width: 135.15%; padding: 12mm 8mm; zoom: .74; break-before: page; }
  .mechanics-flow article, .risk-card, .glossary-grid div { break-inside: avoid; }
}