.guides-hero{text-align:center;background:radial-gradient(115% 90% at 50% 0%, #fff 0%, var(--paper) 55%, var(--paper-2) 100%);padding:clamp(8rem,14vw,11rem) 0 clamp(2.5rem,5vw,4rem);position:relative;overflow:hidden}.guides-hero .section__title{max-width:18ch;margin-inline:auto}.guides-hero .section__intro{margin-inline:auto}.guides-hero__cta{flex-wrap:wrap;justify-content:center;gap:1rem;margin-top:2rem;display:flex}.scheme-nav{z-index:20;-webkit-backdrop-filter:saturate(1.1)blur(12px);border-bottom:1px solid var(--line);background:#fbfaf7d1;position:sticky;top:74px}.scheme-nav__inner{flex-wrap:wrap;justify-content:center;gap:.4rem;padding:.7rem 0;display:flex}.scheme-nav__link{font-family:var(--font-sans);letter-spacing:.02em;color:var(--ink-2);border:1px solid #0000;border-radius:999px;padding:.5rem 1rem;font-size:.8rem;font-weight:600;text-decoration:none;transition:color .2s,background-color .2s,border-color .2s}.scheme-nav__link:hover{color:var(--navy)}.scheme-nav__link[aria-current=true]{color:var(--navy);background:var(--card);border-color:var(--line)}.schemes{background:var(--paper);padding:clamp(3rem,6vw,5rem) 0 clamp(2rem,4vw,3rem)}.scheme{background:var(--card);border:1px solid var(--line);border-radius:24px;max-width:1040px;margin:0 auto clamp(1.5rem,3vw,2rem);padding:clamp(1.75rem,3.5vw,3rem);scroll-margin-top:130px;box-shadow:0 1px 2px #0c1a330a,0 26px 55px -40px #0c1a334d}.scheme__head{align-items:flex-start;gap:1.1rem;margin-bottom:1.5rem;display:flex}.scheme__icon{background:linear-gradient(150deg, var(--navy-soft), var(--navy-deep));width:56px;height:56px;color:var(--gold-soft);border-radius:14px;flex:none;place-items:center;display:grid}.scheme__icon svg{width:28px;height:28px}.scheme__tag{font-family:var(--font-sans);letter-spacing:.12em;text-transform:uppercase;color:var(--gold-deep);font-size:.7rem;font-weight:700}.scheme__name{font-family:var(--font-display);color:var(--ink);margin:.2rem 0 .3rem;font-size:clamp(1.5rem,2.6vw,2.1rem);font-weight:500;line-height:1.12}.scheme__tagline{color:var(--ink-2);margin:0;font-size:1.05rem}.scheme__grid{grid-template-columns:1.3fr 1fr;align-items:start;gap:clamp(1.5rem,3vw,2.5rem);display:grid}.scheme__label{font-family:var(--font-sans);letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin:0 0 .5rem;font-size:.72rem;font-weight:700}.scheme__body p{color:var(--ink-2);margin:0 0 1.4rem;font-size:1rem;line-height:1.65}.scheme__who{gap:.7rem;margin:0 0 1.4rem;padding:0;list-style:none;display:grid}.scheme__who li{color:var(--ink);align-items:flex-start;gap:.6rem;font-size:.96rem;line-height:1.45;display:flex}.scheme__who svg{width:19px;height:19px;color:var(--gold-deep);flex:none;margin-top:1px}.scheme__note{color:var(--ink-2);background:var(--paper);border-left:3px solid var(--gold);border-radius:0 10px 10px 0;margin:0 0 1.5rem;padding:.9rem 1.1rem;font-size:.9rem;line-height:1.5}.scheme__aside{background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:1.5rem}.scheme__help{color:var(--ink);margin:0 0 1.4rem;font-size:.98rem;line-height:1.6}.scheme__links{gap:.7rem;display:grid}.ext-link{font-family:var(--font-sans);transition:transform .22s var(--ease-out-expo), box-shadow .22s ease, background-color .22s ease, border-color .22s ease;border-radius:11px;justify-content:space-between;align-items:center;gap:.6rem;padding:.8rem 1.1rem;font-size:.9rem;font-weight:600;text-decoration:none;display:inline-flex}.ext-link--primary{background:linear-gradient(150deg, var(--navy-soft), var(--navy));color:#fff;box-shadow:0 12px 26px -16px #0c1a33cc}.ext-link--secondary{background:var(--card);color:var(--navy);border:1px solid var(--line)}.ext-link:hover{transform:translateY(-2px)}.ext-link:hover svg{transform:translate(2px,-2px)}.ext-link svg{width:16px;height:16px;transition:transform .22s var(--ease-out-expo);flex:none}.ext-link:focus-visible{outline:3px solid var(--gold);outline-offset:2px}.gov-badge{color:var(--muted);align-items:center;gap:.45rem;margin-top:1rem;font-size:.76rem;display:inline-flex}.gov-badge:before{content:"";background:#2e7d32;border-radius:50%;width:8px;height:8px}.compare{background:var(--card);border-top:1px solid var(--line)}.compare__scroll{border:1px solid var(--line);border-radius:18px;margin-top:clamp(2rem,4vw,3rem);overflow-x:auto}.compare table{border-collapse:collapse;width:100%;min-width:720px;font-family:var(--font-sans)}.compare th,.compare td{text-align:left;border-bottom:1px solid var(--line);vertical-align:top;padding:1.1rem 1.25rem;font-size:.94rem;line-height:1.45}.compare thead th{background:linear-gradient(150deg, var(--navy) 0%, var(--navy-deep) 100%);color:#fff;font-family:var(--font-display);font-size:1.05rem;font-weight:500}.compare thead th:first-child{background:var(--navy-deep);border-top-left-radius:18px}.compare thead th:last-child{border-top-right-radius:18px}.compare tbody th{color:var(--ink);white-space:nowrap;background:var(--paper);width:1%;font-weight:600}.compare tbody td{color:var(--ink-2)}.compare tr:last-child th,.compare tr:last-child td{border-bottom:none}.guides-cta{text-align:center}.guides-cta .section__title{margin-inline:auto}.guides-cta__sub{max-width:44ch;color:var(--ink-2);margin:1.1rem auto 0;font-size:1.05rem;line-height:1.6}.guides-cta__actions{flex-wrap:wrap;justify-content:center;gap:1rem;margin-top:1.75rem;display:flex}.disclaimer{background:var(--paper);border-top:1px solid var(--line);padding:clamp(2rem,4vw,3rem) 0}.disclaimer__inner{max-width:900px;color:var(--muted);text-align:center;margin:0 auto;font-size:.82rem;line-height:1.7}.disclaimer__inner strong{color:var(--ink-2);font-weight:600}@media (max-width:860px){.scheme__grid{grid-template-columns:1fr}}