/* ===== Article-style loan page: guide card + sticky sidebar ===== */
.ar-wrap{max-width:1360px; margin:0 auto; padding:clamp(60px,7vw,100px) clamp(16px,3vw,40px) clamp(40px,5vw,70px);}
.ar-grid{display:grid; grid-template-columns:minmax(0,1fr) 360px; gap:32px; align-items:start;}

/* main card */
.ar-card{position:relative; background:#fff; border:1px solid var(--line); border-radius:24px; padding:clamp(24px,4vw,52px); box-shadow:0 24px 60px rgba(8,74,59,.08); overflow:hidden;}
.ar-card::before{content:""; position:absolute; left:0; right:0; top:0; height:5px; background:linear-gradient(90deg,var(--green),var(--gold));}
.ar-card p{color:#4a5a54; line-height:1.85; font-size:1rem; margin:0 0 16px;}
.ar-card strong{color:var(--ink);}
.ar-intro{font-size:1.08rem!important; color:#33423d!important; padding:0 0 8px;}
.ar-card h2{font-size:clamp(1.45rem,2.4vw,1.85rem); letter-spacing:-.025em; line-height:1.2; margin:52px 0 18px; padding-bottom:14px; border-bottom:1px solid var(--line); position:relative; scroll-margin-top:110px;}
.ar-card h2::after{content:""; position:absolute; left:0; bottom:-1px; width:64px; height:3px; border-radius:3px; background:var(--gold);}
.ar-intro + h2{margin-top:36px;}
.ar-card h3{font-size:1.15rem; margin:30px 0 14px; padding-bottom:9px; border-bottom:1px solid rgba(14,107,84,.1);}
.ar-list{list-style:none; margin:0 0 8px; padding:0; display:grid; gap:12px;}
.ar-list li{display:flex; gap:12px; color:#4a5a54; line-height:1.6;}
.ar-list li i{color:var(--green); font-size:1.15rem; margin-top:3px; flex-shrink:0;}

/* uses + benefits */
.ar-uses{display:grid; grid-template-columns:1fr 1fr; gap:14px; margin-top:6px;}
.ar-use, .ar-ben-item{display:flex; gap:14px; padding:18px; border-radius:18px; background:var(--paper); border:1px solid var(--line); transition:transform .25s ease, border-color .25s ease, box-shadow .25s ease;}
.ar-use:hover, .ar-ben-item:hover{transform:translateY(-3px); border-color:rgba(243,180,0,.7); box-shadow:0 16px 32px rgba(8,74,59,.09);}
.ar-use > span, .ar-ben-ico{width:44px; height:44px; border-radius:13px; background:var(--green); color:var(--gold); display:grid; place-items:center; font-size:1.3rem; flex-shrink:0;}
.ar-use h4, .ar-ben-item h4{margin:0 0 4px; font-size:1rem;}
.ar-card .ar-use p, .ar-card .ar-ben-item p{margin:0; font-size:.9rem; line-height:1.6;}
.ar-ben{display:grid; grid-template-columns:1fr 1fr; gap:14px;}

/* variants inside article */
.ar-var.rc-var{grid-template-columns:1fr; gap:16px; margin-top:8px;}
.ar-var .rc-var-tabs{grid-template-columns:1fr 1fr;}
.ar-var .rc-var-tab{padding:14px 16px;} .ar-var .rc-var-tab.is-on, .ar-var .rc-var-tab:hover{transform:none;}
.ar-var .rc-var-panels > .rc-var-panel{padding:clamp(20px,3vw,32px);}
.ar-var .rc-var-panel h3{border:0; margin:0 0 10px; padding:0; font-size:1.35rem;}

/* eligibility card inside article */
.ar-ed.rc-ed-card{padding:clamp(18px,2.5vw,30px); background:var(--paper); box-shadow:none; border-radius:22px;}
.ar-ed .rc-ed-grid.is-on{grid-template-columns:1fr 1fr; gap:26px;}
.ar-ed .rc-ed-col h3{border:0; padding:0; margin:0 0 16px; font-size:1.08rem;}
.ar-ed .rc-crit li{background:#fff;}

/* steps */
.ar-steps{list-style:none; margin:6px 0 0; padding:0; position:relative; display:grid; gap:18px;}
.ar-steps::before{content:""; position:absolute; left:23px; top:24px; bottom:24px; width:2px; background:repeating-linear-gradient(180deg,var(--gold) 0 8px,transparent 8px 16px);}
.ar-steps li{position:relative; display:flex; gap:18px; align-items:flex-start;}
.ar-step-n{position:relative; z-index:1; width:48px; height:48px; border-radius:50%; background:var(--green); color:var(--gold); border:3px solid #fff; box-shadow:0 0 0 2px var(--gold); display:grid; place-items:center; font-weight:800; flex-shrink:0;}
.ar-steps li > div{flex:1; padding:14px 18px; border-radius:16px; background:var(--paper); border:1px solid var(--line);}
.ar-steps h4{margin:0 0 4px; font-size:1.02rem;}
.ar-card .ar-steps p{margin:0; font-size:.93rem; line-height:1.65;}

/* tips + calculator + faq inside article */
.ar-tips.rc-tips{position:static; margin-top:22px; border-radius:22px;}
.ar-tips h3{border:0; padding:0; margin:0 0 18px;}
.ar-calc.rc-calc{grid-template-columns:1fr; gap:22px;}
.ar-calc .rc-calc-out{padding:clamp(22px,3vw,34px);}
.ar-faq .ld-faq{background:var(--paper);}
.ar-card .ld-faq p{color:var(--muted); margin:0 0 20px;}
.ar-card .rc-note{margin:18px 0 0;}
.ar-card .rc-story h4{margin:0 0 12px;}
.ar-card .rc-sched{margin-top:20px;}

/* sidebar */
.ar-side{display:grid; gap:22px; align-content:start;}
.ar-consult{display:flex; align-items:center; gap:14px; padding:18px 20px; background:#fff; border:1px solid var(--line); border-radius:20px; box-shadow:0 14px 34px rgba(8,74,59,.08);}
.ar-avatars{display:flex; flex-shrink:0;}
.ar-avatars svg{width:46px; height:46px; border-radius:50%; border:3px solid #fff; margin-left:-12px; box-shadow:0 4px 10px rgba(0,0,0,.15);}
.ar-avatars svg:first-child{margin-left:0;}
.ar-consult div{flex:1; min-width:0;}
.ar-consult small{display:block; font-size:.72rem; color:var(--muted); letter-spacing:.04em; text-transform:uppercase; font-weight:600;}
.ar-consult b{font-size:1.2rem; font-weight:500; letter-spacing:-.01em;} .ar-consult em{font-style:normal; color:var(--gold-deep); font-weight:700;}
.ar-consult a{width:42px; height:42px; border-radius:50%; background:var(--gold); color:var(--ink); display:grid; place-items:center; transition:transform .25s ease; text-decoration:none;}
.ar-consult a:hover{transform:rotate(45deg);}

.ar-side .rc-paper{padding:8px 0 20px;}
.ar-side .rc-sheet{aspect-ratio:auto; padding:26px 24px 24px; min-height:0;}
.ar-side .rc-sheet h3{font-size:1.4rem; border:0; padding:0; margin:0 0 14px;}
.ar-side .rc-sheet dl{padding-bottom:26px; flex:none;}
.ar-side .rc-sheet dl > div{padding:9px 0; flex-wrap:wrap;}
.ar-side .rc-sheet dd{font-size:.86rem;}
.ar-side .rc-seal{width:92px; height:92px; right:-16px; bottom:24px;}

.ar-sticky{position:sticky; top:100px; display:grid; gap:22px;}
.ar-box{position:relative; background:#fff; border:1px solid var(--line); border-radius:20px; padding:22px 22px 14px; box-shadow:0 14px 34px rgba(8,74,59,.07); overflow:hidden;}
.ar-box::before{content:""; position:absolute; left:0; right:0; top:0; height:4px; background:linear-gradient(90deg,var(--green),var(--gold));}
.ar-box h5{margin:6px 0 10px; font-size:.95rem; font-weight:700;}
.ar-toc ul{list-style:none; margin:0; padding:0;}
.ar-toc li{border-bottom:1px solid var(--line);} .ar-toc li:last-child{border-bottom:0;}
.ar-toc a{display:flex; align-items:center; gap:12px; padding:10px 4px; font-size:.9rem; color:#33423d; text-decoration:none; transition:color .2s ease, padding .2s ease;}
.ar-toc a::before{content:"\2192"; color:#9aa8a3; transition:color .2s ease;}
.ar-toc a:hover, .ar-toc a.is-on{color:var(--green); padding-left:8px; font-weight:600;} .ar-toc a.is-on::before{color:var(--gold-deep);}
.ar-loans-list{max-height:260px; overflow:auto; margin:0 -8px; padding:0 8px;}
.ar-loans-list a{display:flex; align-items:center; justify-content:space-between; gap:10px; padding:11px 2px; border-bottom:1px solid var(--line); font-size:.9rem; font-weight:500; color:var(--green); text-decoration:none;}
.ar-loans-list a:last-child{border-bottom:0;} .ar-loans-list a i{color:#9aa8a3; transition:transform .2s ease;} .ar-loans-list a:hover i{transform:translateX(4px); color:var(--gold-deep);}

/* live chat */
.ar-chat{position:fixed; right:22px; bottom:22px; z-index:900; display:inline-flex; align-items:center; gap:10px; padding:15px 24px; border-radius:100px; background:var(--green); color:#fff; font-weight:700; font-size:.95rem; text-decoration:none; box-shadow:0 14px 34px rgba(8,74,59,.45); border:1px solid rgba(243,180,0,.5); transition:transform .25s ease;}
.ar-chat i{font-size:1.35rem; color:var(--gold);} .ar-chat:hover{transform:translateY(-3px);}

@media(max-width:1100px){.ar-grid{grid-template-columns:1fr;} .ar-sticky{position:static;} .ar-side{grid-template-columns:1fr 1fr; align-items:start;} .ar-consult{grid-column:1 / -1;}}
@media(max-width:720px){.ar-uses, .ar-ben, .ar-var .rc-var-tabs, .ar-ed .rc-ed-grid.is-on, .ar-side{grid-template-columns:1fr;} .ar-chat{padding:13px 18px; font-size:.85rem; right:14px; bottom:14px;}}

.ar-side .rc-sheet-head em{white-space:nowrap;}
.ar-side .rc-sheet-head{flex-wrap:nowrap;}

/* ===== whole sidebar stays fixed while the article scrolls ===== */
.ar-side{position:sticky; top:96px; gap:14px; align-self:start;}
.ar-sticky{position:static; gap:0;}
.ar-consult{padding:12px 16px;} .ar-avatars svg{width:38px; height:38px;}
.ar-consult b{font-size:1.05rem;} .ar-consult a{width:36px; height:36px;}
.ar-side .rc-paper{padding:4px 0 10px;}
.ar-side .rc-sheet{padding:18px 20px 16px; transform:rotate(-.8deg);}
.ar-side .rc-sheet::before{inset:8px;} .ar-side .rc-sheet::after{inset:12px;}
.ar-side .rc-sheet-head{padding-bottom:10px; margin-bottom:10px;}
.ar-side .rc-sheet-head small{font-size:.6rem; white-space:nowrap;}
.ar-side .rc-sheet-head b{font-size:.9rem;}
.ar-side .rc-sh-logo{width:32px; height:32px;}
.ar-side .rc-sheet h3{font-size:1.2rem; margin-bottom:6px;} .ar-side .rc-sheet h3 span{font-size:.82rem;}
.ar-side .rc-sheet dl{padding-bottom:12px;} .ar-side .rc-sheet dl > div{padding:6px 0;}
.ar-side .rc-sheet dt{font-size:.66rem;} .ar-side .rc-sheet dd{font-size:.8rem;}
.ar-side .rc-sheet-foot{padding-top:6px;} .ar-sign svg{width:100px; height:32px;}
.ar-side .rc-seal{width:78px; height:78px; bottom:10px; right:-12px;}
.ar-side .rc-wm{font-size:7rem;}
.ar-box{padding:16px 18px 6px;} .ar-box h5{margin:4px 0 6px; font-size:.88rem;}
.ar-toc a{padding:7px 4px; font-size:.86rem;}
@media(max-height:860px){.ar-consult{display:none;}}
@media(max-height:700px){.ar-side .rc-paper{display:none;}}
@media(max-width:1100px){.ar-side{position:static;}}

/* straight sheet, no tilt */
.ar-side .rc-sheet, .ar-side .rc-sheet-head em{transform:none;}

/* ===== compact typography + wider card (everything below the hero) ===== */
.ar-wrap{max-width:1480px; padding-left:clamp(14px,2vw,30px); padding-right:clamp(14px,2vw,30px);}
.ar-grid{grid-template-columns:minmax(0,1fr) 330px; gap:26px;}
.ar-card{padding:clamp(20px,3vw,40px) clamp(20px,3.2vw,44px);}
.ar-card p{font-size:.9rem; line-height:1.7; margin-bottom:12px;}
.ar-intro{font-size:.96rem!important; line-height:1.7!important;}
.ar-card h2{font-size:clamp(1.2rem,1.8vw,1.45rem); margin:38px 0 14px; padding-bottom:11px;}
.ar-card h2::after{width:52px; height:2px;}
.ar-card h3{font-size:.98rem; margin:22px 0 10px; padding-bottom:7px;}
.ar-list{gap:9px;} .ar-list li{font-size:.88rem; line-height:1.55; gap:10px;} .ar-list li i{font-size:1rem; margin-top:2px;}
.ar-uses, .ar-ben{gap:10px;}
.ar-use, .ar-ben-item{padding:13px 14px; gap:12px; border-radius:15px;}
.ar-use > span, .ar-ben-ico{width:36px; height:36px; border-radius:11px; font-size:1.1rem;}
.ar-use h4, .ar-ben-item h4{font-size:.9rem; margin-bottom:2px;}
.ar-card .ar-use p, .ar-card .ar-ben-item p{font-size:.8rem; line-height:1.5;}
.ar-var .rc-var-tab{padding:11px 13px;} .ar-var .rc-var-tab span{width:38px; height:38px; font-size:1.15rem;} .rc-var-tab b{font-size:.9rem;} .rc-var-tab small{font-size:.76rem;}
.ar-var .rc-var-panels > .rc-var-panel{padding:clamp(16px,2.4vw,26px);}
.ar-var .rc-var-panel h3{font-size:1.15rem;}
.rc-var-desc{font-size:.88rem; line-height:1.65; margin-bottom:14px;}
.rc-story{padding:14px 16px;} .rc-story h4{font-size:.85rem;} .rc-story li{font-size:.84rem;}
.rc-var-points li{font-size:.86rem;} .rc-var-best{font-size:.86rem;}
.ar-ed.rc-ed-card{padding:clamp(14px,2vw,22px);}
.rc-seg-btn{padding:9px 18px; font-size:.86rem;}
.ar-ed .rc-ed-col h3{font-size:.95rem; margin-bottom:12px;} .ar-ed .rc-ed-col h3 span{width:36px; height:36px; font-size:1.1rem;}
.rc-crit li{padding:10px 12px;} .rc-crit small{font-size:.66rem;} .rc-crit b{font-size:.85rem;}
.rc-docl li{font-size:.85rem; padding:9px 2px;}
.ar-steps li > div{padding:11px 14px;} .ar-step-n{width:40px; height:40px; font-size:.9rem;} .ar-steps::before{left:19px;}
.ar-steps h4{font-size:.92rem;} .ar-card .ar-steps p{font-size:.83rem; line-height:1.55;}
.ar-tips.rc-tips{padding:18px 20px;} .rc-tips li{font-size:.86rem;} .ar-tips h3{font-size:1rem;}
.ar-card .rc-note{font-size:.82rem; padding:11px 14px;}
.ar-card .ld-faq{padding:0 16px; margin-bottom:9px;} .ld-faq summary{padding:14px 0; font-size:.9rem;} .ar-card .ld-faq p{font-size:.85rem;}
.ar-calc .rc-calc-out{padding:clamp(18px,2.4vw,26px);}
.rc-f label{font-size:.88rem;} .rc-f label input{font-size:.95rem;}
.rc-out-top b{font-size:clamp(1.8rem,3vw,2.4rem);} .rc-out-row b{font-size:1rem;}
.rc-sched th, .rc-sched td{padding:9px 14px; font-size:.84rem;}
.ar-toc a{font-size:.82rem;} .ar-consult b{font-size:1rem;}
@media(max-width:1100px){.ar-grid{grid-template-columns:1fr;}}

/* ===== taxation sidebar: types & forms card ===== */
.tp-card{position:relative; border-radius:22px; padding:18px 16px 10px; color:#fff; overflow:hidden; background:radial-gradient(260px 160px at 100% 0%, color-mix(in srgb, var(--gold) 26%, transparent), transparent 70%), linear-gradient(160deg,#0c3a2f,#05281f); border:1px solid rgba(243,180,0,.35); box-shadow:0 22px 46px -18px rgba(5,40,31,.5);}
.tp-head{display:flex; align-items:center; gap:12px; padding-bottom:12px; margin-bottom:6px; border-bottom:1px solid rgba(255,255,255,.14);}
.tp-head > span{width:40px; height:40px; border-radius:12px; background:var(--gold); color:var(--ink); display:grid; place-items:center; font-size:1.25rem; flex-shrink:0;}
.tp-head small{display:block; font-size:.66rem; letter-spacing:.06em; text-transform:uppercase; color:rgba(255,255,255,.6);}
.tp-head h4{margin:2px 0 0; font-size:1.05rem; letter-spacing:-.01em;}
.tp-card ul{list-style:none; margin:0; padding:0;}
.tp-card li{display:flex; align-items:center; gap:10px; padding:8px 0; border-bottom:1px solid rgba(255,255,255,.08); transition:transform .2s ease;}
.tp-card li:last-child{border-bottom:0;} .tp-card li:hover{transform:translateX(3px);}
.tp-card li b{flex:0 0 76px; text-align:center; padding:5px 6px; border-radius:8px; background:color-mix(in srgb, var(--gold) 16%, transparent); border:1px solid color-mix(in srgb, var(--gold) 45%, transparent); color:var(--gold); font-size:.68rem; font-weight:800; letter-spacing:.02em; white-space:nowrap; overflow:hidden; text-overflow:ellipsis;}
.tp-card strong{display:block; font-size:.8rem; font-weight:600;}
.tp-card em{display:block; font-style:normal; font-size:.7rem; line-height:1.35; color:rgba(255,255,255,.62);}
@media(max-height:860px){.tp-card em{display:none;}}