.guide-hero{background:linear-gradient(180deg,var(--primary-light) 0%,var(--bg) 100%);padding:64px 24px 48px;text-align:center;position:relative;overflow:hidden}
.guide-hero::after{position:absolute;right:10%;top:50%;transform:translateY(-50%);font-size:12rem;opacity:.06;pointer-events:none;color:var(--primary);line-height:1}
.guide-hero h1{font-family:var(--font-heading);font-size:2.5rem;font-weight:800;color:var(--secondary);margin:0 0 16px;letter-spacing:-.02em;max-width:720px;margin-left:auto;margin-right:auto;position:relative;z-index:1}
.guide-hero .guide-hero-sub{font-size:1.0625rem;color:var(--muted);max-width:640px;margin:0 auto;line-height:1.75;position:relative;z-index:1}
.guide-hero .section-label{position:relative;z-index:1}

.guide-hero-life{background:linear-gradient(135deg,#F8F8F4 0%,#E6F4F7 50%,#F0E6F7 100%)}
.guide-hero-life::after{content:'♥'}
.guide-hero-health{background:linear-gradient(135deg,#F8F8F4 0%,#E6F7EC 50%,#E6F4F7 100%)}
.guide-hero-health::after{content:'✚'}
.guide-hero-income{background:linear-gradient(135deg,#F8F8F4 0%,#E6EFF7 50%,#F8F8F4 100%)}
.guide-hero-income::after{content:'💼';font-size:10rem}
.guide-hero-home{background:linear-gradient(135deg,#F8F8F4 0%,#FDF6E3 50%,#F8F8F4 100%)}
.guide-hero-home::after{content:'⌂'}
.guide-hero-trauma{background:linear-gradient(135deg,#F8F8F4 0%,#F7E6E6 50%,#E6F4F7 100%)}
.guide-hero-trauma::after{content:'🛡';font-size:10rem}
.guide-hero-mortgage{background:linear-gradient(135deg,#F8F8F4 0%,#E6F4F7 50%,#E6EFF7 100%)}
.guide-hero-mortgage::after{content:'🔑';font-size:10rem}

.guide-layout{display:flex;gap:48px;max-width:1120px;margin:0 auto;padding:48px 24px 80px;align-items:flex-start}
.guide-content{flex:1;max-width:720px;min-width:0}
.guide-content h2{font-family:var(--font-heading);font-size:1.75rem;font-weight:700;color:var(--secondary);margin:48px 0 20px;letter-spacing:-.02em;scroll-margin-top:88px}
.guide-content h2:first-child{margin-top:0}
.guide-content h3{font-family:var(--font-heading);font-size:1.2rem;font-weight:700;color:var(--secondary);margin:28px 0 12px}
.guide-content p{font-size:1.0625rem;color:var(--text);line-height:1.75;margin:0 0 16px}
.guide-content ul,.guide-content ol{margin:0 0 16px;padding-left:24px}
.guide-content li{font-size:1.0625rem;color:var(--text);line-height:1.75;margin-bottom:8px}
.guide-content strong{color:var(--secondary);font-weight:600}

.guide-sidebar{width:240px;flex-shrink:0;position:sticky;top:88px}
.guide-toc-label{font-size:.75rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin:0 0 16px;padding-left:14px}
.guide-toc a{display:block;font-size:.8125rem;color:var(--muted);text-decoration:none;padding:8px 14px;border-left:2px solid transparent;transition:all .15s;line-height:1.4}
.guide-toc a:hover{color:var(--primary)}
.guide-toc a.active{color:var(--primary);font-weight:600;border-left-color:var(--primary)}

.tip-box{background:var(--primary-light);border-left:4px solid var(--primary);border-radius:0 12px 12px 0;padding:20px 24px;margin:24px 0}
.tip-box-label{font-weight:600;color:var(--secondary);margin:0 0 6px;font-size:.9375rem}
.tip-box p{margin:0;font-size:.9375rem;color:var(--text);line-height:1.7}

.key-box{background:var(--accent-light);border-left:4px solid var(--accent);border-radius:0 12px 12px 0;padding:20px 24px;margin:24px 0}
.key-box-label{font-weight:600;color:var(--secondary);margin:0 0 6px;font-size:.9375rem}
.key-box p{margin:0;font-size:.9375rem;color:var(--text);line-height:1.7}

.inline-cta{background:var(--card);border:2px solid var(--primary);border-radius:12px;padding:20px 24px;margin:32px 0;text-align:center}
.inline-cta p{margin:0 0 12px;font-size:1rem;color:var(--text);font-weight:500}
.inline-cta a{color:var(--primary);font-weight:600;font-size:1rem;text-decoration:none}
.inline-cta a:hover{text-decoration:underline}

.guide-faq-item{margin-bottom:20px}
.guide-faq-item .faq-q{font-weight:600;color:var(--secondary);font-size:1.0625rem;margin:0 0 6px}
.guide-faq-item p{margin:0 0 0;font-size:1rem;color:var(--text);line-height:1.7}

.related-guides{padding:64px 24px;background:var(--bg)}
.related-guides h2{font-family:var(--font-heading);font-size:1.75rem;font-weight:700;color:var(--secondary);margin:0 0 32px;text-align:center;letter-spacing:-.02em}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;max-width:960px;margin:0 auto}
.related-card{background:var(--card);border:1px solid var(--border-light);border-radius:16px;padding:28px;text-align:center;transition:transform .25s,box-shadow .25s;box-shadow:0 1px 3px rgba(0,0,0,.04),0 6px 24px rgba(0,0,0,.03)}
.related-card:hover{transform:translateY(-4px);box-shadow:0 4px 12px rgba(0,0,0,.06),0 12px 36px rgba(0,0,0,.08)}
.related-icon{width:48px;height:48px;border-radius:12px;background:var(--primary-light);color:var(--primary);display:flex;align-items:center;justify-content:center;margin:0 auto 12px}
.related-card h3{font-family:var(--font-heading);font-size:1rem;font-weight:700;color:var(--secondary);margin:0 0 6px}
.related-card p{font-size:.85rem;color:var(--muted);line-height:1.6;margin:0 0 12px}
.related-card a{color:var(--primary);font-weight:600;font-size:.875rem;text-decoration:none}
.related-card a:hover{text-decoration:underline}

.guide-bottom-cta{padding:80px 24px;background:linear-gradient(135deg,rgba(12,123,138,.06) 0%,rgba(12,123,138,.12) 100%);text-align:center;position:relative;overflow:hidden}
.guide-bottom-cta::before,.guide-bottom-cta::after{content:'';position:absolute;border-radius:50%;opacity:.08;background:var(--primary)}
.guide-bottom-cta::before{width:300px;height:300px;top:-100px;right:-80px}
.guide-bottom-cta::after{width:200px;height:200px;bottom:-60px;left:-40px}
.guide-bottom-cta h2{font-family:var(--font-heading);font-size:2rem;font-weight:800;color:var(--secondary);margin:0 0 12px;letter-spacing:-.02em;position:relative;z-index:1}
.guide-bottom-cta p{font-size:1.0625rem;color:var(--muted);margin:0 0 28px;position:relative;z-index:1}
.guide-bottom-cta .btn{position:relative;z-index:1}

.mobile-toc{display:none;margin:0 0 24px}
.mobile-toc summary{font-size:.875rem;font-weight:600;color:var(--primary);cursor:pointer;padding:12px 16px;background:var(--primary-light);border-radius:10px;list-style:none}
.mobile-toc summary::-webkit-details-marker{display:none}
.mobile-toc summary::before{content:'▸ ';font-size:.75rem}
.mobile-toc[open] summary::before{content:'▾ '}
.mobile-toc .mobile-toc-links{padding:8px 16px 12px}
.mobile-toc .mobile-toc-links a{display:block;font-size:.8125rem;color:var(--muted);text-decoration:none;padding:6px 0;border-bottom:1px solid var(--border-light)}
.mobile-toc .mobile-toc-links a:last-child{border-bottom:none}
.mobile-toc .mobile-toc-links a:hover{color:var(--primary)}

.ec-box{background:var(--primary-light);border-radius:16px;padding:32px;margin:48px 0;max-width:720px}
.ec-box-icon{color:var(--primary);font-size:1.5rem;margin-bottom:8px}
.ec-box h3{font-family:var(--font-heading);font-size:1.25rem;font-weight:700;color:var(--secondary);margin:0 0 8px}
.ec-box .ec-sub{font-size:.9375rem;color:var(--muted);margin:0 0 16px;line-height:1.65}
.ec-row{display:flex;gap:0}
.ec-row input[type="email"]{flex:1;height:48px;border:2px solid var(--border);border-radius:12px 0 0 12px;padding:0 16px;font-size:.9375rem;font-family:var(--font-sans);outline:none;transition:border-color .15s;background:#fff}
.ec-row input[type="email"]:focus{border-color:var(--primary)}
.ec-row button[type="submit"]{background:var(--primary);color:#fff;padding:0 24px;height:48px;border:none;border-radius:0 12px 12px 0;font-weight:600;font-size:.9375rem;cursor:pointer;white-space:nowrap;font-family:var(--font-sans);transition:background .15s}
.ec-row button[type="submit"]:hover{background:var(--primary-dark)}
.ec-row button[type="submit"]:disabled{opacity:.7;cursor:default}
.ec-fine{font-size:.75rem;color:var(--muted);margin:10px 0 0}
.ec-success{display:none;text-align:center;padding:8px 0}
.ec-success span{color:var(--success);font-size:1.25rem;font-weight:700}
.ec-success p{color:var(--muted);margin:8px 0 0;font-size:.9375rem}

.ec-sidebar-card{border-top:3px solid var(--primary);background:var(--card);border-radius:0 0 12px 12px;padding:20px;margin-top:28px}
.ec-sidebar-card h4{font-family:var(--font-heading);font-size:.9375rem;font-weight:700;color:var(--secondary);margin:0 0 6px}
.ec-sidebar-card .ec-sidebar-sub{font-size:.8125rem;color:var(--muted);margin:0 0 12px;line-height:1.5}
.ec-sidebar-card input[type="email"]{width:100%;height:40px;border:2px solid var(--border);border-radius:10px;padding:0 12px;font-size:.8125rem;font-family:var(--font-sans);outline:none;margin-bottom:8px;box-sizing:border-box}
.ec-sidebar-card input[type="email"]:focus{border-color:var(--primary)}
.ec-sidebar-card button[type="submit"]{width:100%;height:38px;background:var(--primary);color:#fff;border:none;border-radius:10px;font-weight:600;font-size:.8125rem;cursor:pointer;font-family:var(--font-sans);transition:background .15s}
.ec-sidebar-card button[type="submit"]:hover{background:var(--primary-dark)}
.ec-sidebar-card button[type="submit"]:disabled{opacity:.7;cursor:default}
.ec-sidebar-card .ec-success{padding:4px 0}
.ec-sidebar-card .ec-success span{font-size:1rem}
.ec-sidebar-card .ec-success p{font-size:.8125rem}

.related-grid-2{grid-template-columns:repeat(2,1fr);max-width:640px}

@media(max-width:768px){
  .guide-hero h1{font-size:1.75rem}
  .guide-hero{padding:48px 24px 32px}
  .guide-hero::after{font-size:8rem;right:5%}
  .guide-sidebar{display:none}
  .mobile-toc{display:block}
  .guide-layout{padding:32px 24px 64px}
  .guide-content h2{font-size:1.4rem;margin-top:36px}
  .related-grid{grid-template-columns:1fr}
  .ec-box{padding:24px}
  .ec-row{flex-direction:column;gap:8px}
  .ec-row input[type="email"]{border-radius:12px;width:100%}
  .ec-row button[type="submit"]{border-radius:12px;width:100%}
}
@media(max-width:900px) and (min-width:769px){
  .guide-sidebar{width:200px}
}