:root{--ink:#102a43;--teal:#087f8c;--mint:#dff5ee;--yellow:#ffd166;--coral:#d95d39;--paper:#f7f4ed;--panel:#fff;--line:#d8e2dc;--muted:#52606d}*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--paper);color:var(--ink);line-height:1.5}a{color:inherit;text-decoration:none}img{display:block;max-width:100%;height:auto}.guidance-masthead{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.topline{max-width:1240px;margin:auto;display:flex;align-items:center;justify-content:space-between;padding:16px 22px}.brand img{width:252px;height:50px;object-fit:contain}.site-search-button{background:var(--mint);padding:12px 18px;border-radius:999px;font-weight:900}.topic-nav{background:var(--teal);color:#fff;display:flex;justify-content:center;gap:0;overflow:auto}.topic-nav a{padding:14px 17px;font-weight:900;white-space:nowrap;border-left:1px solid rgba(255,255,255,.25)}.topic-nav a:hover,.nav-deal{background:#06606a}.help-finder-hero{max-width:1240px;margin:38px auto;display:grid;grid-template-columns:1fr 430px;gap:28px;padding:0 22px}.hero-copy{background:#fff;padding:44px;border-top:8px solid var(--yellow)}.section-kicker,.eyebrow{margin:0 0 10px;color:var(--teal);font-weight:900;text-transform:uppercase;font-size:13px;letter-spacing:.04em}.hero-copy h1{font-size:58px;line-height:.96;margin:0 0 18px}.hero-copy p{font-size:20px;color:#34495e}.button{display:inline-flex;background:var(--teal);color:#fff;padding:13px 18px;font-weight:900;margin-right:10px}.button.secondary{background:var(--ink)}.guidance-search-panel{background:var(--ink);color:#fff;padding:28px}.guidance-search-panel h2{font-size:32px;margin:0 0 18px}.quick-action-grid{display:grid;gap:10px}.quick-action-grid a{background:#fff;color:var(--ink);padding:14px;font-weight:900;border-left:6px solid var(--yellow)}.money-topic-grid,.tools-panel,.situation-guide-band,.latest-guides,.deals-disclosure-band,.category-module,.calculator-strip,.related-guides{max-width:1240px;margin:0 auto;padding:54px 22px}.section-head{display:flex;justify-content:space-between;gap:24px;align-items:end;margin-bottom:22px}.section-head h2,.tools-panel h2,.situation-guide-band h2,.deals-disclosure-band h2{font-size:42px;line-height:1;margin:0}.money-topic-grid>div:last-child{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.topic-card{background:#fff;border:1px solid var(--line);display:grid}.topic-card img{width:100%;aspect-ratio:16/10;object-fit:cover}.topic-card strong{font-size:22px;padding:18px 18px 4px}.topic-card span{color:var(--muted);padding:0 18px 18px}.tools-panel,.deals-disclosure-band{display:grid;grid-template-columns:.46fr 1fr;gap:28px;background:#eef8f3;max-width:none}.tools-panel>div,.deals-disclosure-band>div{max-width:1240px}.tool-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.tool-card{background:#fff;border:1px solid var(--line)}.tool-card img{width:100%;aspect-ratio:16/9;object-fit:cover}.tool-card div{padding:18px}.tool-card h3,.guide-card h3{font-size:25px;line-height:1.05;margin:0 0 10px}.situation-guide-band{display:grid;grid-template-columns:.45fr 1fr;gap:28px}.situation-list{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.compact-guide{display:grid;grid-template-columns:110px 1fr;gap:14px;background:#fff;border:1px solid var(--line);padding:12px}.compact-guide img{width:110px;height:82px;object-fit:cover}.compact-guide h3{font-size:18px;margin:0}.latest-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.guide-card{background:#fff;border:1px solid var(--line)}.guide-card img{width:100%;aspect-ratio:16/10;object-fit:cover}.guide-card div{padding:18px}.guide-card p{color:#44566c}.guide-card span,.compact-guide span{font-size:13px;color:var(--muted);font-weight:800}.category-hero{max-width:1240px;margin:0 auto;padding:34px 22px 0}.breadcrumbs{display:flex;gap:10px;color:var(--muted);font-size:14px;margin-bottom:24px}.breadcrumbs a{color:var(--teal);font-weight:900}.category-hero>div{display:grid;grid-template-columns:1fr 420px;gap:34px;align-items:center}.category-hero h1{font-size:62px;line-height:.98;margin:0 0 14px}.category-hero p{font-size:20px;color:#3e5268}.category-image{width:100%;aspect-ratio:16/10;object-fit:cover}.category-chips{max-width:1240px;margin:0 auto;padding:18px 22px 34px;display:flex;gap:12px;flex-wrap:wrap}.category-chips a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:10px 14px;font-weight:900}.category-module{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}.score-ladder>div,.bills-triage>div,.borrowing-cautions>div,.account-check>div,.calculator-strip>div{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.score-ladder span,.bills-triage article,.borrowing-cautions article,.account-check article,.calculator-strip article{background:var(--ink);color:#fff;padding:20px;font-weight:900}.budget-steps,.refund-path{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:center}.budget-steps img,.refund-path img{width:100%;aspect-ratio:16/10;object-fit:cover}.tool-cards-module>div{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.money-guide-article{max-width:1080px;margin:0 auto;padding:38px 22px 70px}.article-header h1{font-size:58px;line-height:.98;margin:0 0 16px}.dek{font-size:21px;color:#3e5268}.article-meta{font-weight:900;color:var(--muted);margin:16px 0}.article-hero-image{width:100%;aspect-ratio:16/8;object-fit:cover;margin:28px 0}.article-grid{display:grid;grid-template-columns:1fr 280px;gap:34px}.article-body{font-size:18px;line-height:1.68;background:#fff;padding:30px;border:1px solid var(--line)}.article-body h2{font-size:30px;line-height:1.1}.guide-summary-card{background:var(--mint);padding:18px;border-left:6px solid var(--teal)}.article-sidebar{align-self:start;position:sticky;top:140px;background:var(--ink);color:#fff;padding:22px}.article-sidebar a{text-decoration:underline}.related-guides>div{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.lp-tool-page{max-width:1240px;margin:0 auto;padding:52px 22px;display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:center}.lp-tool-page h1{font-size:56px;line-height:.98}.lp-tool-page img{width:100%;aspect-ratio:16/10;object-fit:cover}.fixed-hero{max-width:1240px;margin:0 auto;padding:60px 22px;display:grid;grid-template-columns:1fr 340px;gap:30px}.fixed-hero h1{font-size:58px;line-height:.98;margin:0 0 14px}.fixed-page-visual-card{background:var(--ink);color:#fff;padding:24px;border-top:8px solid var(--yellow)}.fixed-content{max-width:1080px;margin:0 auto;padding:30px 22px 70px;display:grid;grid-template-columns:250px 1fr;gap:34px}.fixed-page-sidebar{position:sticky;top:140px;align-self:start;display:grid;gap:10px}.fixed-page-sidebar a{background:#fff;border:1px solid var(--line);padding:10px;font-weight:900}.fixed-content section{background:#fff;border:1px solid var(--line);padding:20px;margin-bottom:14px}.site-footer{background:var(--ink);color:#fff;display:grid;grid-template-columns:.65fr 1fr;gap:30px;padding:44px max(22px,calc((100vw - 1240px)/2));margin-top:40px}.site-footer img{width:230px}.site-footer nav{display:flex;gap:14px;flex-wrap:wrap;font-weight:900}@media(max-width:900px){.help-finder-hero,.tools-panel,.deals-disclosure-band,.situation-guide-band,.category-hero>div,.budget-steps,.refund-path,.article-grid,.lp-tool-page,.fixed-hero,.fixed-content,.site-footer{grid-template-columns:1fr}.money-topic-grid>div:last-child,.latest-grid,.tool-cards-module>div{grid-template-columns:repeat(2,1fr)}.article-sidebar,.fixed-page-sidebar{position:static}.hero-copy h1,.category-hero h1,.article-header h1,.lp-tool-page h1,.fixed-hero h1{font-size:42px}}@media(max-width:600px){.topline{padding:12px 14px}.brand img{width:205px}.site-search-button{font-size:13px;padding:10px}.topic-nav{justify-content:flex-start}.hero-copy{padding:28px}.money-topic-grid,.tools-panel,.situation-guide-band,.latest-guides,.deals-disclosure-band,.category-module,.calculator-strip,.related-guides{padding:34px 16px}.money-topic-grid>div:last-child,.latest-grid,.tool-grid,.situation-list,.related-guides>div,.score-ladder>div,.bills-triage>div,.borrowing-cautions>div,.account-check>div,.calculator-strip>div,.tool-cards-module>div{grid-template-columns:1fr}.compact-guide{grid-template-columns:96px 1fr}.compact-guide img{width:96px}.hero-copy h1,.category-hero h1,.article-header h1,.lp-tool-page h1,.fixed-hero h1{font-size:34px}.article-body{padding:20px}.site-footer{padding:34px 16px}}
.score-ladder .compact-guide span{background:transparent;color:var(--muted);padding:0;font-weight:800}
.score-ladder .compact-guide h3{color:var(--ink)}
html,body{overflow-x:hidden}
.hero-actions{display:flex;flex-wrap:wrap;gap:10px}
.hero-actions .button{margin-right:0}
@media(max-width:600px){.site-search-button{display:none}.topline{justify-content:flex-start}.help-finder-hero{padding:0 16px}.hero-copy,.guidance-search-panel{padding:24px 18px}.hero-copy h1{font-size:30px;line-height:1.06;overflow-wrap:normal}.hero-copy p{font-size:17px}.guidance-search-panel h2{font-size:28px;line-height:1.12;overflow-wrap:normal}.hero-actions{display:grid;grid-template-columns:1fr}.hero-actions .button{width:100%;justify-content:center}}