.guide-heading{background:#07152d;color:#fff;border-bottom:3px solid #d0a33f;padding:30px 0 42px}.guide-heading .service-breadcrumb{color:#ccd5e3;margin-bottom:26px}.guide-heading .service-breadcrumb a{color:#e4e9f2}.guide-heading-grid{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:48px;align-items:center}.guide-heading h1{font-size:38px;line-height:1.2;font-weight:800;margin:18px 0 16px;color:#fff;max-width:800px}.guide-heading p{font-size:15px;line-height:1.8;color:#d2dbe8;margin:0;max-width:750px}.guide-symbol{display:inline-grid;width:46px;height:46px;place-items:center;border-radius:6px;background:#f4e9cf;color:#775613;font-size:23px;flex-shrink:0}.guide-action{border-left:1px solid #586372;padding-left:28px;display:grid;gap:14px}.guide-action>span{font-size:12px;color:#d2dbe8}.guide-action>strong{font-size:25px;line-height:1.35;color:#fff}.guide-action strong small{font-size:13px;font-weight:500}.guide-action .btn{font-size:13px;min-height:44px}.guide-action>a:not(.btn){font-size:12px;color:#f0d291}.guide-action i{flex-shrink:0}.guide-body{background:#fff;padding:24px 0 60px}.guide-body-grid{display:grid;grid-template-columns:minmax(0,1fr) 258px;gap:64px;align-items:start}.guide-body article{min-width:0}.guide-section{padding:30px 0;border-bottom:1px solid #dce2e9;scroll-margin-top:120px}.guide-section:last-child{border-bottom:0}.guide-section h2{display:flex;align-items:flex-start;gap:12px;font-size:23px;font-weight:800;line-height:1.35;color:#112443;margin:0 0 20px}.guide-section h2>i{font-size:23px;flex-shrink:0;color:#91691f;line-height:1.35}.guide-section h3{font-size:17px;font-weight:800;margin:25px 0 16px;color:#112443}.guide-section p{font-size:14px;line-height:1.9;color:#526075;margin:0 0 16px}.guide-list{list-style:none;padding:0;margin:16px 0 0;display:grid;gap:14px}.guide-list li{display:flex;align-items:flex-start;gap:12px;font-size:14px;line-height:1.75;color:#39485e}.guide-list li>i{color:#437153;flex-shrink:0;line-height:1.75}.guide-list a{color:#294569;text-decoration:underline}.guide-steps{padding:0;margin:22px 0 0;list-style:none;counter-reset:guide;display:grid;gap:20px}.guide-steps li{counter-increment:guide;display:flex;gap:14px;align-items:flex-start;font-size:14px;line-height:1.8;color:#39485e}.guide-steps li::before{content:counter(guide,decimal-leading-zero);font-size:12px;font-weight:800;display:grid;place-items:center;width:32px;height:32px;flex-shrink:0;background:#edf1f6;color:#173052;border-radius:4px}.guide-sidebar{position:sticky;top:118px;padding-top:32px;display:grid;gap:26px}.guide-sidebar nav{display:grid;border-left:2px solid #d0a33f;padding-left:18px}.guide-sidebar nav>strong{font-size:12px;text-transform:uppercase;color:#667386;margin:0 0 12px}.guide-sidebar nav>a{display:flex;justify-content:space-between;align-items:center;gap:8px;font-size:12px;padding:9px 0;color:#273d5b;border-bottom:1px solid #eef1f5}.guide-sidebar nav>a>i{font-size:10px}.guide-sidebar nav a:hover,.guide-sidebar nav a[aria-current=page]{color:#91691f}.guide-contact{border-top:1px solid #dce2e9;padding-top:24px;display:grid;gap:16px}.guide-contact img{object-fit:contain}.guide-contact h2{font-size:18px;font-weight:800;margin:0;color:#112443}.guide-contact p{font-size:12px;line-height:1.8;color:#667386;margin:0}.guide-contact>a{font-size:12px;display:flex;align-items:center;gap:8px;color:#273d5b}.guide-contact .btn{color:#fff;justify-content:center;min-height:42px}.guide-notice{display:flex;align-items:flex-start;gap:12px;background:#f5f7fa;border-left:3px solid #bc9234;padding:18px 20px;margin:20px 0}.guide-notice>i{font-size:19px;color:#89621e;flex-shrink:0}.guide-notice p{font-size:12px;line-height:1.9;margin:0;color:#4f5c6f}.guide-source{font-size:12px;color:#294569;text-decoration:underline}.guide-fee-list{border-top:1px solid #dce2e9}.guide-fee-row{display:grid;grid-template-columns:minmax(0,1fr) 110px 78px;gap:16px;align-items:center;padding:18px 0;border-bottom:1px solid #dce2e9}.guide-fee-name{display:flex;gap:12px;align-items:center;color:#112443}.guide-fee-name>i{width:34px;height:34px;display:grid;place-items:center;flex-shrink:0;border-radius:4px;background:#f4e9cf;color:#775613;font-size:17px}.guide-fee-name>span{min-width:0}.guide-fee-name strong{font-size:13px;display:block;line-height:1.65}.guide-fee-name small{font-size:10px;color:#667386;display:block;margin-top:4px}.guide-fee-amount{font-size:16px;text-align:right;color:#112443;white-space:nowrap}.guide-fee-amount small{font-size:10px;font-weight:500;color:#667386;display:block;margin-top:3px}.guide-fee-row .btn{font-size:11px;min-height:36px;padding:6px 10px;display:flex;gap:5px;align-items:center;justify-content:center}.guide-fee-note{font-size:12px!important;line-height:1.9!important;color:#667386!important;margin-top:18px!important}.guide-category-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.guide-category{display:flex;flex-direction:column;border:1px solid #dce2e9;border-radius:8px;padding:26px;color:#112443;min-width:0;min-height:268px;transition:border-color .15s}.guide-category:hover{border-color:#b28c37;color:#112443}.guide-category .guide-symbol{margin-bottom:20px;align-self:flex-start}.guide-category h2{font-size:20px;font-weight:800;line-height:1.4;margin:0 0 14px}.guide-category p{font-size:13px;line-height:1.8;color:#667386;margin:0 0 24px}.guide-category>span:last-child{font-size:12px;font-weight:700;margin-top:auto;display:flex;align-items:center;justify-content:space-between;gap:12px;color:#785c24}.guide-principles{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:36px;margin-top:32px}.guide-principles>div>i{font-size:24px;color:#91691f}.guide-principles h3{font-size:18px;font-weight:800;margin:18px 0 12px}.guide-principles p{font-size:14px;line-height:1.8;color:#667386}.compliance-step{display:flex;gap:18px;border-bottom:1px solid #dce2e9;padding:22px 0}.compliance-step>span{font-size:12px;font-weight:800;display:grid;place-items:center;width:34px;height:34px;flex-shrink:0;background:#edf1f6;color:#173052;border-radius:4px}.compliance-step>div{min-width:0}.compliance-step h3{margin:0 0 8px;font-size:17px}.compliance-step small{font-size:11px;color:#816225;display:block;line-height:1.7;margin-bottom:12px}.compliance-step p{font-size:13px;line-height:1.85}.compliance-service-links{display:flex;flex-wrap:wrap;gap:8px 20px}.compliance-service-links a{font-size:11px;color:#294569;display:flex;gap:7px;align-items:center;line-height:1.8}.compliance-service-links a:hover{text-decoration:underline}.compliance-menu{padding:8px;border:1px solid #dce2e9;border-radius:6px;min-width:242px}.compliance-menu .dropdown-item{font-size:13px;padding:11px 12px;display:flex;align-items:center;gap:12px;border-radius:4px}.compliance-menu i{color:#91691f}.compliance-menu .dropdown-item:hover{background:#f4f6f9}.premium-navbar .brand-copy strong{font-size:18px;text-transform:none;white-space:nowrap}.premium-navbar .nav-chat{width:42px;padding:8px;display:grid;place-items:center}.category-service-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.category-service{border:1px solid #dce2e9;border-radius:8px;padding:24px;display:flex;flex-direction:column;align-items:flex-start;min-width:0;color:#112443;min-height:250px}.category-service:hover{border-color:#b28c37;color:#112443}.category-service h3{font-size:18px;line-height:1.45;margin:18px 0 12px;font-weight:800}.category-service p{font-size:13px;line-height:1.8;color:#667386;margin:0 0 20px}.category-service>span:last-child{font-size:12px;font-weight:700;margin-top:auto;display:flex;justify-content:space-between;align-items:center;width:100%;color:#785c24}.category-compliance-links{display:flex;flex-wrap:wrap;gap:18px;margin:24px 0 0}.category-compliance-links a{font-size:13px;color:#173052;display:flex;align-items:center;gap:8px;text-decoration:underline}.guide-heading-grid>div{min-width:0}
@media(min-width:1200px) and (max-width:1399px){.premium-navbar .navbar-brand{gap:8px}.premium-navbar .navbar-brand img{width:46px;height:46px}.premium-navbar .brand-copy strong{font-size:16px}.premium-navbar .nav-link{font-size:12px;padding-inline:8px}.premium-navbar .nav-login{font-size:11px;padding:10px 12px}.premium-navbar .nav-actions{gap:8px}.premium-navbar .nav-chat{width:38px;min-height:38px}}
@media(max-width:991px){.guide-body-grid{grid-template-columns:1fr;gap:20px}.guide-sidebar{position:static;padding-top:12px;grid-template-columns:repeat(2,minmax(0,1fr));border-top:1px solid #dce2e9}.guide-sidebar .guide-contact{grid-column:1/-1}.guide-heading-grid{grid-template-columns:minmax(0,1fr) 240px;gap:28px}.guide-heading h1{font-size:32px}.guide-action{padding-left:20px}.guide-category-grid,.category-service-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.guide-principles{gap:24px}.guide-section{scroll-margin-top:96px}.premium-navbar .brand-copy strong{font-size:18px}}
@media(max-width:575px){.guide-heading{padding:24px 0 30px}.guide-heading h1{font-size:28px;line-height:1.25}.guide-heading p{font-size:14px}.guide-heading .service-breadcrumb{font-size:11px;margin-bottom:20px}.guide-heading-grid{grid-template-columns:1fr;gap:24px}.guide-action{border-left:0;border-top:1px solid #586372;padding:20px 0 0;gap:12px}.guide-action>strong{font-size:23px}.guide-action .btn{max-width:300px}.guide-body{padding:12px 0 32px}.guide-section{padding:26px 0}.guide-section h2{font-size:21px;gap:10px}.guide-section h2>i{font-size:21px}.guide-section p,.guide-list li,.guide-steps li{font-size:13px}.guide-sidebar{grid-template-columns:1fr}.guide-category-grid,.category-service-grid,.guide-principles{grid-template-columns:1fr;gap:18px}.guide-category,.category-service{min-height:0;padding:24px}.guide-fee-row{grid-template-columns:minmax(0,1fr) 80px 36px;gap:10px}.guide-fee-row .btn{width:36px;height:36px;min-height:36px;padding:6px}.guide-fee-row .btn span{display:none}.guide-fee-name{gap:8px}.guide-fee-name strong{font-size:12px}.guide-fee-name>i{width:28px;height:28px;font-size:15px}.guide-fee-amount{font-size:14px}.guide-fee-amount small{font-size:9px}.guide-notice{padding:16px 14px;gap:10px}.compliance-step{gap:12px}.compliance-step h3{font-size:16px}.premium-navbar .brand-copy strong{font-size:16px}.premium-navbar .navbar-brand img{width:44px;height:44px}.guide-contact .btn{max-width:300px}}
.policy-hero{background:#07152d;border-bottom:3px solid #d0a33f;padding:48px 0;color:#fff}.policy-hero h1{font-size:38px;line-height:1.2;font-weight:800;color:#fff}.policy-hero p{font-size:15px;line-height:1.8;color:#d2dbe8;max-width:760px;margin-top:20px}.policy-hero .text-gold{color:#f0d291}.policy-section{padding:36px 0 60px;background:#fff}.policy-section>.container{max-width:920px}.policy-card{padding:30px 0;border-bottom:1px solid #dce2e9}.policy-card .icon-circle{font-size:22px;color:#91691f;margin-bottom:14px}.policy-card h2,.contact-box h2,.policy-cta h2{font-size:23px;font-weight:800;line-height:1.35;color:#112443;margin-bottom:18px}.policy-card h3{font-size:17px;font-weight:800;margin:24px 0 16px}.policy-card p,.policy-card li,.contact-box p,.policy-cta p{font-size:14px;line-height:1.9;color:#526075}.policy-card ul{padding-left:20px}.policy-card li{margin-bottom:7px}.policy-section .date-box{font-size:12px;color:#667386}.policy-section .contact-box,.policy-section .policy-cta{padding:30px 0;border-top:1px solid #dce2e9}.policy-section .btn-gold,.policy-hero .btn-gold{background:#d0a33f;color:#07152d;font-size:13px;font-weight:700;padding:12px 18px;border-radius:6px}.policy-section .highlight-box{padding:18px 20px;border-left:3px solid #bc9234;background:#f5f7fa;color:#526075}.policy-section .highlight-box p{font-size:13px;line-height:1.8}.policy-section .contact-box a{overflow-wrap:anywhere}.policy-hero::before,.policy-hero::after{display:none}
@media(max-width:575px){.policy-hero{padding:30px 0}.policy-hero h1{font-size:28px}.policy-hero p{font-size:14px}.policy-card h2,.contact-box h2,.policy-cta h2{font-size:21px}.policy-card p,.policy-card li,.contact-box p,.policy-cta p{font-size:13px}.policy-section{padding:26px 0 32px}}
.scroll-top,.scroll-top.show{position:static;display:grid;margin:16px auto;opacity:1;visibility:visible;transform:none;box-shadow:none;border-radius:6px}
.guide-sidebar{max-height:calc(100vh - 138px);overflow:auto;padding-right:8px}
@media(max-width:991px){.guide-sidebar{max-height:none;overflow:visible;padding-right:0}}
@media(max-width:575px){.guide-heading>.container,.guide-body>.container{padding-inline:20px}}