:root {
  --accent: #16729a;
  --guide-navy: #111a2b;
  --guide-ink: #172033;
  --guide-soft: #f4f6f8;
  --guide-highlight: #f4dc58;
  --max-width: 1100px;
}

body { color: var(--guide-ink); background: #fff; }

.site-header { border-bottom: 0; }
.guide-masthead {
  display: flex;
  min-height: 104px;
  max-width: var(--max-width);
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  margin: 0 auto;
  padding: 20px;
}
.guide-masthead .brand { color: var(--guide-ink); text-decoration: none; }
.brand-text {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 2.65rem;
  font-weight: 700;
  letter-spacing: -.055em;
  line-height: 1;
}
.brand-text span { color: var(--accent); }
.guide-masthead p { margin: 0; color: var(--muted); font-size: .92rem; font-style: italic; }
.guide-menu-toggle { display: none; }
.guide-menu-icon {
  position: relative;
  width: 19px;
  height: 2px;
  background: currentColor;
}
.guide-menu-icon::before, .guide-menu-icon::after {
  position: absolute;
  left: 0;
  width: 19px;
  height: 2px;
  background: currentColor;
  content: "";
}
.guide-menu-icon::before { top: -6px; }
.guide-menu-icon::after { top: 6px; }
.guide-nav-shell { color: #fff; background: var(--guide-navy); }
#site-nav {
  display: flex;
  max-width: var(--max-width);
  min-height: 52px;
  align-items: center;
  gap: 30px;
  margin: 0 auto;
  padding: 0 20px;
}
#site-nav a { color: #fff; font-size: .93rem; font-weight: 700; text-decoration: none; white-space: nowrap; }
#site-nav a:hover, #site-nav a:focus { color: var(--guide-highlight); }

.page-shell { display: block; max-width: var(--max-width); margin: 44px auto 72px; padding: 0 20px; }
.page-shell main { min-width: 0; }

.guide-home-intro { max-width: 760px; margin: 0 0 32px; }
.home-kicker, .article-kicker {
  margin: 0 0 8px;
  color: var(--accent);
  font-size: .76rem;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.guide-home-intro h1 { margin: 0; font-size: clamp(2.1rem, 5vw, 3.45rem); letter-spacing: -.045em; line-height: 1.03; }
.guide-home-intro > p:last-child { max-width: 650px; margin: 18px 0 0; color: var(--muted); font-size: 1.08rem; line-height: 1.55; }

.guide-lead { display: grid; overflow: hidden; grid-template-columns: minmax(0, 1.45fr) minmax(300px, .8fr); border-radius: 12px; background: var(--guide-soft); }
.guide-lead-image { min-height: 430px; }
.guide-lead-image img { width: 100%; height: 100%; object-fit: cover; }
.guide-lead-content { display: flex; flex-direction: column; justify-content: center; padding: 42px; }
.content-label { align-self: flex-start; padding: 5px 8px; color: var(--guide-navy); background: var(--guide-highlight); font-size: .72rem; font-weight: 850; letter-spacing: .04em; text-transform: uppercase; }
.guide-lead h2 { margin: 18px 0 14px; font-size: clamp(1.65rem, 3vw, 2.35rem); letter-spacing: -.035em; line-height: 1.12; }
.guide-lead h2 a, .guide-card h3 a, .guide-link-grid h3 a { color: inherit; text-decoration: none; }
.guide-lead-content p { margin: 0; color: var(--muted); font-size: .98rem; line-height: 1.6; }
.read-link { display: inline-flex; align-items: center; gap: 8px; margin-top: 20px; color: var(--accent); font-size: .9rem; font-weight: 800; text-decoration: none; }

.guide-section { margin-top: 64px; }
.guide-section-heading { display: flex; align-items: flex-end; justify-content: space-between; margin-bottom: 20px; border-bottom: 3px solid var(--guide-navy); }
.guide-section-heading .home-kicker { margin: 0 0 12px; }
.guide-section-heading h2 { margin: 0 0 11px; font-size: 1.75rem; letter-spacing: -.03em; }
.guide-card-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 28px; }
.guide-card { overflow: hidden; border: 1px solid var(--border); border-radius: 9px; background: #fff; }
.guide-card > a { display: block; aspect-ratio: 16 / 10; overflow: hidden; }
.guide-card img { width: 100%; height: 100%; object-fit: cover; transition: transform 180ms ease; }
.guide-card:hover img { transform: scale(1.015); }
.guide-card > div { padding: 22px; }
.guide-card h3 { margin: 0; font-size: 1.2rem; letter-spacing: -.025em; line-height: 1.25; }
.guide-card p { margin: 12px 0 0; color: var(--muted); font-size: .9rem; line-height: 1.55; }
.guide-card .read-link { margin-top: 14px; }

.guide-link-grid { display: grid; grid-template-columns: 1fr 1fr; column-gap: 48px; }
.guide-link-grid article { padding: 22px 0; border-bottom: 1px solid var(--border); }
.guide-link-grid h3 { margin: 0; font-size: 1.12rem; line-height: 1.35; }
.guide-link-grid p { margin: 8px 0 0; color: var(--muted); font-size: .88rem; line-height: 1.55; }

.entry { padding: 0; background: transparent; }
.single-entry { max-width: 820px; margin: 0 auto; }
.single-entry .entry-header { margin-bottom: 28px; }
.single-entry .entry-header h1 { font-size: clamp(2.1rem, 5vw, 3.35rem); font-weight: 700; letter-spacing: -.045em; }
.single-entry .featured { border-radius: 10px; }
.byline { color: var(--muted); }
.entry-content { font-size: 1.05rem; }
.entry-content > p { margin: 1.25em 0; }
.post-list .entry { padding: 32px 0; border-bottom: 1px solid var(--border); }
.post-list .entry:first-child { padding-top: 0; }
.post-list .featured { max-height: 460px; object-fit: cover; }
.more { font-weight: 750; text-decoration: none; }

.loan-calculator { margin: 30px 0 38px; padding: 26px; border: 1px solid var(--border); border-radius: 10px; background: var(--guide-soft); }
.loan-calculator__fields { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.loan-calculator label { display: grid; gap: 7px; font-size: .88rem; font-weight: 750; }
.loan-calculator input { width: 100%; min-height: 46px; box-sizing: border-box; padding: 9px 11px; border: 1px solid #aeb6c2; border-radius: 6px; color: var(--guide-ink); background: #fff; font: inherit; }
.loan-calculator button { margin-top: 18px; padding: 11px 18px; border: 0; border-radius: 6px; color: #fff; background: var(--accent); font: inherit; font-weight: 800; cursor: pointer; }
.loan-calculator button:hover, .loan-calculator button:focus-visible { background: var(--guide-navy); }
.loan-calculator__summary { margin: 20px 0 0; font-weight: 750; }
.loan-calculator__table { max-height: 520px; overflow: auto; margin-top: 18px; background: #fff; }
.loan-calculator table { width: 100%; border-collapse: collapse; font-size: .84rem; font-variant-numeric: tabular-nums; }
.loan-calculator th, .loan-calculator td { padding: 9px 10px; border-bottom: 1px solid var(--border); text-align: right; white-space: nowrap; }
.loan-calculator th { position: sticky; top: 0; color: #fff; background: var(--guide-navy); }
.loan-calculator th:first-child, .loan-calculator td:first-child { text-align: left; }

.hub-page { max-width: 900px; margin: 0 auto; }
.hub-page > header { max-width: 720px; margin-bottom: 34px; }
.hub-page > header h1 { margin: 0; font-size: clamp(2.2rem, 5vw, 3.35rem); letter-spacing: -.045em; line-height: 1.05; }
.hub-page > header > p:last-child { margin: 17px 0 0; color: var(--muted); font-size: 1.05rem; line-height: 1.6; }
.hub-grid { display: grid; grid-template-columns: 1fr 1fr; overflow: hidden; border-top: 3px solid var(--guide-navy); }
.hub-grid > a { position: relative; display: grid; min-height: 154px; align-content: center; gap: 8px; padding: 25px 48px 25px 0; border-bottom: 1px solid var(--border); color: inherit; text-decoration: none; }
.hub-grid > a:nth-child(odd) { padding-right: 72px; border-right: 1px solid var(--border); }
.hub-grid > a:nth-child(even) { padding-left: 30px; }
.hub-grid strong { font-size: 1.08rem; line-height: 1.35; }
.hub-grid span { color: var(--muted); font-size: .88rem; line-height: 1.5; }
.hub-grid b { position: absolute; right: 22px; color: var(--accent); font-size: 1.1rem; }

.site-footer { border-top: 1px solid var(--border); background: var(--guide-soft); }
.footer-inner { display: flex; max-width: var(--max-width); align-items: flex-end; justify-content: space-between; gap: 30px; padding: 38px 20px; }
.footer-inner p { max-width: 500px; margin: 9px 0 0; color: var(--muted); font-size: .9rem; }
.footer-brand { color: var(--guide-ink); font-family: Georgia, "Times New Roman", serif; font-size: 1.55rem; font-weight: 700; text-decoration: none; }
.footer-inner nav a { color: var(--guide-ink); font-size: .85rem; font-weight: 700; text-decoration: none; }

@media (max-width: 860px) {
  .guide-masthead { min-height: 88px; }
  .guide-masthead p { display: none; }
  .js .guide-menu-toggle {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    margin-left: auto;
    padding: 10px 13px;
    border: 1px solid var(--border);
    border-radius: 6px;
    color: var(--guide-ink);
    background: #fff;
    font: inherit;
    font-size: .9rem;
    font-weight: 800;
    cursor: pointer;
  }
  .guide-nav-shell #site-nav {
    display: flex;
    min-height: 0;
    align-items: stretch;
    flex-direction: column;
    gap: 0;
    padding: 5px 20px;
  }
  .js .guide-nav-shell #site-nav { display: none; }
  .js .guide-nav-shell #site-nav.is-open { display: flex; }
  .guide-nav-shell #site-nav a { padding: 13px 0; border-top: 1px solid rgb(255 255 255 / 18%); }
  .guide-nav-shell #site-nav a:first-child { border-top: 0; }
  .guide-lead { grid-template-columns: 1fr; }
  .guide-lead-image { min-height: 350px; }
  .guide-lead-content { padding: 30px; }
  .guide-card-grid { grid-template-columns: 1fr 1fr; }
  .guide-card:last-child { grid-column: 1 / -1; display: grid; grid-template-columns: 1fr 1fr; }
  .guide-card:last-child > a { height: 100%; aspect-ratio: auto; }
}

@media (max-width: 560px) {
  .guide-masthead { padding: 18px 16px; }
  .brand-text { font-size: 2.15rem; }
  .guide-nav-shell #site-nav { padding-right: 16px; padding-left: 16px; }
  .guide-nav-shell #site-nav a { font-size: .9rem; }
  .page-shell { margin-top: 30px; padding: 0 16px; }
  .guide-home-intro { margin-bottom: 24px; }
  .guide-home-intro h1 { font-size: 2.45rem; }
  .guide-home-intro > p:last-child { font-size: 1rem; }
  .guide-lead { border-radius: 9px; }
  .guide-lead-image { min-height: 230px; }
  .guide-lead-content { padding: 24px; }
  .guide-lead h2 { font-size: 1.65rem; }
  .guide-section { margin-top: 48px; }
  .guide-section-heading { display: block; }
  .guide-section-heading .home-kicker { margin-bottom: 5px; }
  .guide-card-grid, .guide-link-grid { grid-template-columns: 1fr; }
  .guide-card:last-child { display: block; grid-column: auto; }
  .guide-card:last-child > a { aspect-ratio: 16 / 10; }
  .guide-link-grid article { padding: 19px 0; }
  .single-entry .entry-header h1 { font-size: 2.35rem; }
  .entry-content { font-size: 1rem; }
  .loan-calculator { padding: 20px 16px; }
  .loan-calculator__fields { grid-template-columns: 1fr; }
  .footer-inner { align-items: flex-start; flex-direction: column; }
  .hub-grid { grid-template-columns: 1fr; }
  .hub-grid > a, .hub-grid > a:nth-child(odd), .hub-grid > a:nth-child(even) { min-height: 0; padding: 21px 38px 21px 0; border-right: 0; }
  .hub-grid b { right: 8px; }
}