.guide-hero[data-astro-cid-jvplmt4r]{background:linear-gradient(135deg,var(--fm-navy) 0%,#2a3470 100%);padding:64px 0;color:#fff}.guide-hero[data-astro-cid-jvplmt4r] h1[data-astro-cid-jvplmt4r]{color:#fff;margin-bottom:16px}.guide-hero[data-astro-cid-jvplmt4r] p[data-astro-cid-jvplmt4r]{color:#ffffffc7;font-size:18px;max-width:600px;line-height:1.7;margin-bottom:32px}.hero-actions[data-astro-cid-jvplmt4r]{display:flex;gap:12px;flex-wrap:wrap}.alert-strip[data-astro-cid-jvplmt4r]{background:#fac5661f;border:1px solid rgba(250,197,102,.35);border-radius:10px;padding:14px 20px;font-size:15px;color:#ffffffe0;margin-bottom:28px;max-width:600px}.alert-strip[data-astro-cid-jvplmt4r] strong[data-astro-cid-jvplmt4r]{color:var(--fm-sand)}.jump-nav[data-astro-cid-jvplmt4r]{padding:20px 0;border-bottom:1px solid var(--fm-gray-100)}.jump-list[data-astro-cid-jvplmt4r]{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:8px}.jump-list[data-astro-cid-jvplmt4r] a[data-astro-cid-jvplmt4r]{font-size:13px;font-weight:600;color:var(--fm-blue);padding:5px 12px;border:1px solid rgba(36,101,242,.3);border-radius:20px;text-decoration:none;white-space:nowrap}.jump-list[data-astro-cid-jvplmt4r] a[data-astro-cid-jvplmt4r]:hover{background:#eff4ff;text-decoration:none}.compare-table[data-astro-cid-jvplmt4r]{width:100%;border-collapse:collapse;font-size:14px}.compare-table[data-astro-cid-jvplmt4r] th[data-astro-cid-jvplmt4r]{background:var(--fm-navy);color:#fff;padding:14px 18px;text-align:left;font-size:15px}.compare-table[data-astro-cid-jvplmt4r] th[data-astro-cid-jvplmt4r]:first-child{border-radius:8px 0 0}.compare-table[data-astro-cid-jvplmt4r] th[data-astro-cid-jvplmt4r]:last-child{border-radius:0 8px 0 0}.compare-table[data-astro-cid-jvplmt4r] td[data-astro-cid-jvplmt4r]{padding:13px 18px;border-bottom:1px solid var(--fm-gray-100);line-height:1.55;vertical-align:top}.compare-table[data-astro-cid-jvplmt4r] tr[data-astro-cid-jvplmt4r]:nth-child(2n) td[data-astro-cid-jvplmt4r]{background:#f9fafb}.compare-table[data-astro-cid-jvplmt4r] tr[data-astro-cid-jvplmt4r]:last-child td[data-astro-cid-jvplmt4r]{border-bottom:none}.compare-table[data-astro-cid-jvplmt4r] .row-label[data-astro-cid-jvplmt4r]{font-weight:700;color:var(--fm-navy);font-size:13px;text-transform:uppercase;letter-spacing:.04em;background:#f3f4f6!important}.yes[data-astro-cid-jvplmt4r]{color:#16a34a;font-weight:700}.no[data-astro-cid-jvplmt4r]{color:#dc2626;font-weight:700}.maybe[data-astro-cid-jvplmt4r]{color:#d97706;font-weight:700}.steps-container[data-astro-cid-jvplmt4r]{display:flex;flex-direction:column;gap:40px;margin-top:40px}.step-card[data-astro-cid-jvplmt4r]{display:grid;grid-template-columns:52px 1fr;gap:0 28px;background:var(--fm-white);border:1.5px solid var(--card-border);border-radius:16px;padding:32px;position:relative}.step-num[data-astro-cid-jvplmt4r]{width:52px;height:52px;background:var(--fm-blue);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:22px;font-weight:800;flex-shrink:0;align-self:start;font-family:Open Sans,sans-serif}.step-content[data-astro-cid-jvplmt4r] h3[data-astro-cid-jvplmt4r]{font-size:20px;color:var(--fm-navy);margin:0 0 4px}.step-timing[data-astro-cid-jvplmt4r]{display:inline-block;font-size:12px;font-weight:700;color:var(--fm-blue);text-transform:uppercase;letter-spacing:.06em;margin-bottom:14px}.step-content[data-astro-cid-jvplmt4r] p[data-astro-cid-jvplmt4r]{font-size:15px;color:#374151;line-height:1.7;margin:0 0 12px}.step-content[data-astro-cid-jvplmt4r] ul[data-astro-cid-jvplmt4r]{list-style:none;padding:0;margin:16px 0 0;display:flex;flex-direction:column;gap:0}.step-content[data-astro-cid-jvplmt4r] ul[data-astro-cid-jvplmt4r] li[data-astro-cid-jvplmt4r]{display:flex;gap:12px;font-size:14px;color:#374151;line-height:1.65;padding:11px 0;border-bottom:1px solid var(--fm-gray-100)}.step-content[data-astro-cid-jvplmt4r] ul[data-astro-cid-jvplmt4r] li[data-astro-cid-jvplmt4r]:last-child{border-bottom:none;padding-bottom:0}.step-content[data-astro-cid-jvplmt4r] ul[data-astro-cid-jvplmt4r] li[data-astro-cid-jvplmt4r]:first-child{padding-top:0}.step-content[data-astro-cid-jvplmt4r] ul[data-astro-cid-jvplmt4r] li[data-astro-cid-jvplmt4r]:before{content:"→";color:var(--fm-blue);font-weight:700;flex-shrink:0;margin-top:2px}.step-content[data-astro-cid-jvplmt4r] ul[data-astro-cid-jvplmt4r] li[data-astro-cid-jvplmt4r] strong[data-astro-cid-jvplmt4r]:first-child{display:block;font-size:13px;color:var(--fm-navy);text-transform:none;margin-bottom:2px}.step-content[data-astro-cid-jvplmt4r] ul[data-astro-cid-jvplmt4r] li[data-astro-cid-jvplmt4r]>span[data-astro-cid-jvplmt4r].li-body{display:block}.calc-embed[data-astro-cid-jvplmt4r]{margin-top:28px;border-top:1px solid var(--fm-gray-100);padding-top:24px}.calc-embed-label[data-astro-cid-jvplmt4r]{font-size:13px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;margin-bottom:14px}.steps-connector[data-astro-cid-jvplmt4r]{width:2px;height:24px;background:var(--fm-gray-100);margin:0 auto}.switch-grid[data-astro-cid-jvplmt4r]{display:grid;grid-template-columns:1fr 1fr;gap:32px;margin-top:32px}.switch-col[data-astro-cid-jvplmt4r] h3[data-astro-cid-jvplmt4r]{font-size:17px;color:var(--fm-navy);margin-bottom:14px}.switch-col[data-astro-cid-jvplmt4r] ul[data-astro-cid-jvplmt4r]{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:0}.switch-col[data-astro-cid-jvplmt4r] ul[data-astro-cid-jvplmt4r] li[data-astro-cid-jvplmt4r]{display:flex;gap:10px;font-size:14px;color:#374151;line-height:1.65;padding:10px 0;border-bottom:1px solid var(--fm-gray-100)}.switch-col[data-astro-cid-jvplmt4r] ul[data-astro-cid-jvplmt4r] li[data-astro-cid-jvplmt4r]:last-child{border-bottom:none;padding-bottom:0}.switch-col[data-astro-cid-jvplmt4r] ul[data-astro-cid-jvplmt4r] li[data-astro-cid-jvplmt4r]:first-child{padding-top:0}.switch-col[data-astro-cid-jvplmt4r] ul[data-astro-cid-jvplmt4r] li[data-astro-cid-jvplmt4r]:before{content:"✓";color:#16a34a;font-weight:700;flex-shrink:0;margin-top:1px}.switch-col[data-astro-cid-jvplmt4r] ul[data-astro-cid-jvplmt4r] li[data-astro-cid-jvplmt4r].cost-item:before{content:none}.cost-item[data-astro-cid-jvplmt4r]{flex-direction:column!important;gap:2px!important;border-left:3px solid var(--fm-gray-100);padding-left:12px!important}.cost-item[data-astro-cid-jvplmt4r] strong[data-astro-cid-jvplmt4r]{font-size:12px;text-transform:uppercase;letter-spacing:.04em;color:var(--muted);font-weight:700}.cost-item[data-astro-cid-jvplmt4r] .cost-val[data-astro-cid-jvplmt4r]{font-size:14px;color:#111827;font-weight:500}.checklist[data-astro-cid-jvplmt4r]{list-style:none;padding:0;margin:14px 0 0;display:flex;flex-direction:column;gap:8px}.checklist[data-astro-cid-jvplmt4r] li[data-astro-cid-jvplmt4r]{display:flex;gap:10px;align-items:flex-start;font-size:14px;color:#374151;line-height:1.6}.checklist[data-astro-cid-jvplmt4r] li[data-astro-cid-jvplmt4r] .ck[data-astro-cid-jvplmt4r]{width:18px;height:18px;border:2px solid var(--fm-blue);border-radius:4px;flex-shrink:0;margin-top:1px;display:flex;align-items:center;justify-content:center}.checklist[data-astro-cid-jvplmt4r] li[data-astro-cid-jvplmt4r] .ck[data-astro-cid-jvplmt4r] svg[data-astro-cid-jvplmt4r]{display:none}.equity-callout[data-astro-cid-jvplmt4r]{background:#f0f4ff;border:1.5px solid rgba(36,101,242,.2);border-radius:14px;padding:24px;margin-top:32px}.equity-callout[data-astro-cid-jvplmt4r] h4[data-astro-cid-jvplmt4r]{font-size:16px;color:var(--fm-navy);margin:0 0 8px}.equity-callout[data-astro-cid-jvplmt4r] p[data-astro-cid-jvplmt4r]{font-size:14px;color:#374151;margin:0 0 16px}.negotiate-box[data-astro-cid-jvplmt4r]{background:#fffbeb;border:1.5px solid rgba(217,119,6,.25);border-radius:14px;padding:32px;display:grid;grid-template-columns:48px 1fr;gap:0 20px;align-items:start}.negotiate-icon[data-astro-cid-jvplmt4r]{font-size:32px;line-height:1}.negotiate-content[data-astro-cid-jvplmt4r] h3[data-astro-cid-jvplmt4r]{font-size:18px;color:var(--fm-navy);margin:0 0 10px}.negotiate-content[data-astro-cid-jvplmt4r] p[data-astro-cid-jvplmt4r]{font-size:15px;color:#374151;line-height:1.7;margin:0 0 12px}.negotiate-tips[data-astro-cid-jvplmt4r]{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:8px}.negotiate-tips[data-astro-cid-jvplmt4r] li[data-astro-cid-jvplmt4r]{font-size:14px;color:#374151;line-height:1.6}.negotiate-tips[data-astro-cid-jvplmt4r] li[data-astro-cid-jvplmt4r] strong[data-astro-cid-jvplmt4r]{color:var(--fm-navy)}details[data-astro-cid-jvplmt4r]{border:1px solid var(--card-border);border-radius:10px;margin-bottom:8px}details[data-astro-cid-jvplmt4r] summary[data-astro-cid-jvplmt4r]{padding:16px 18px;cursor:pointer;font-weight:600;color:var(--fm-navy);list-style:none;display:flex;justify-content:space-between;align-items:center;user-select:none}details[data-astro-cid-jvplmt4r] summary[data-astro-cid-jvplmt4r]::-webkit-details-marker{display:none}details[data-astro-cid-jvplmt4r] summary[data-astro-cid-jvplmt4r]:after{content:"+";font-size:20px;color:var(--fm-blue);line-height:1}details[data-astro-cid-jvplmt4r][open] summary[data-astro-cid-jvplmt4r]:after{content:"−"}details[data-astro-cid-jvplmt4r] .faq-body[data-astro-cid-jvplmt4r]{padding:0 18px 16px;color:#374151;font-size:15px;line-height:1.7}.guides-grid[data-astro-cid-jvplmt4r]{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:20px}.guide-card[data-astro-cid-jvplmt4r]{background:var(--fm-white);border:1px solid var(--card-border);border-radius:12px;padding:20px;text-decoration:none;display:block;transition:box-shadow .15s,transform .15s}.guide-card[data-astro-cid-jvplmt4r]:hover{box-shadow:0 4px 16px #00000017;transform:translateY(-2px)}.guide-tag[data-astro-cid-jvplmt4r]{font-size:11px;font-weight:700;color:var(--fm-blue);text-transform:uppercase;letter-spacing:.06em;margin-bottom:8px}.guide-card[data-astro-cid-jvplmt4r] h4[data-astro-cid-jvplmt4r]{font-size:15px;color:var(--fm-navy);margin:0 0 8px;line-height:1.4}.guide-card[data-astro-cid-jvplmt4r] p[data-astro-cid-jvplmt4r]{font-size:13px;color:var(--muted);margin:0;line-height:1.55}.guide-arrow[data-astro-cid-jvplmt4r]{font-size:13px;color:var(--fm-blue);font-weight:700;margin-top:12px}@media(max-width:900px){.switch-grid[data-astro-cid-jvplmt4r]{grid-template-columns:1fr}.guides-grid[data-astro-cid-jvplmt4r]{grid-template-columns:1fr 1fr}}@media(max-width:640px){.step-card[data-astro-cid-jvplmt4r]{grid-template-columns:1fr}.step-num[data-astro-cid-jvplmt4r]{width:40px;height:40px;font-size:18px;margin-bottom:12px}.hero-actions[data-astro-cid-jvplmt4r]{flex-direction:column}.guides-grid[data-astro-cid-jvplmt4r],.negotiate-box[data-astro-cid-jvplmt4r]{grid-template-columns:1fr}}
