.guide93 { color: #193955; background: linear-gradient(110deg, #edf4e4, #eaf2fb); font: 1rem/1.65 Roboto, Arial, sans-serif; }
.guide93 :is(h1,h2,h3) { color: #153d61; line-height: 1.16; }
.guide93 a:not(.guide93-button) { color: #174c75; text-underline-offset: 3px; }
.guide93 a:focus-visible, .guide93 button:focus-visible, .guide93 input:focus-visible, .guide93 select:focus-visible { outline: 3px solid #246a9e; outline-offset: 3px; }
.guide93-hero { padding: calc(var(--svc80-menu-height, 132px) + 28px) 0 35px; }
.guide93-wrap { width: min(100% - 48px, 1120px); margin-inline: auto; }
.guide93-grid { display: grid; grid-template-columns: minmax(0, 1.8fr) minmax(0, 1fr); gap: 38px; align-items: center; }
.guide93 h1 { margin: 0 0 .55em; font-size: clamp(2rem, 4.2vw, 3.4rem); font-weight: 600; letter-spacing: -.04em; }
.guide93-kicker { color: #446636; font-weight: 700; font-size: .78rem; letter-spacing: .13em; text-transform: uppercase; }
.guide93-lead { font-size: clamp(1rem, 2vw, 1.22rem); }
.guide93-byline { color: #38576a; font-size: .87rem; margin-top: 1rem; }
.guide93-summary { display: grid; gap: 10px; background: #f7fbff; border: 1px solid #c5d8e4; border-radius: 18px; padding: 18px; }
.guide93-summary a { display: block; padding: 9px 12px; border-radius: 9px; background: #e8f0e2; font-weight: 600; }
.guide93-article { padding-bottom: 48px; }
.guide93-panel { background: #ffffffcb; border: 1px solid #c9dbdf; border-radius: 16px; margin: 0 0 18px; padding: clamp(17px, 3vw, 31px); scroll-margin-top: calc(var(--svc80-menu-height, 132px) + 22px); }
.guide93-panel h2 { font-size: clamp(1.38rem, 2.6vw, 2rem); margin: 0 0 .55em; }
.guide93-panel h3 { font-size: 1.14rem; margin: 1rem 0 .5rem; }
.guide93-panel :is(p, ol, ul):last-child { margin-bottom: 0; }
.guide93-panel li + li { margin-top: .45em; }
.guide93-panel details { padding: .7em 0; border-top: 1px solid #cedfe5; }
.guide93-panel summary { cursor: pointer; font-weight: 650; color: #214d6a; }
.guide93-panel details p { margin: .45em 0 .1em; }
.guide93-table { overflow: auto; }
.guide93 table { width: 100%; border-collapse: collapse; font-size: .92rem; }
.guide93 caption { caption-side: top; padding: .5em 0; color: #345869; }
.guide93 :is(th,td) { padding: .55em .72em; border-bottom: 1px solid #ccdce4; vertical-align: top; text-align: left; }
.guide93 th { color: #163d61; background: #e6f0f7; }
.guide93 .guide93-current :is(td,th) { background: #edf5e3; }
.guide93-fields { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 12px; }
.guide93-fields label { display: grid; gap: .3em; min-width: 0; font-weight: 600; }
.guide93-fields :is(input,select) { width: 100%; min-height: 44px; min-width: 0; padding: .45em; background: white; color: #173956; border: 1px solid #9db5c5; border-radius: 8px; font: inherit; }
.guide93-button { display: inline-flex; align-items: center; justify-content: center; min-height: 44px; padding: .6em 1em; border: 0; border-radius: 10px; background: linear-gradient(120deg,#154576,#246287); color: white !important; text-decoration: none !important; font-weight: 650; cursor: pointer; }
.guide93-button:disabled { opacity: .65; cursor: wait; }
.guide93-rate-result { margin: 12px 0; padding: 12px; background: #eaf3e4; border-radius: 10px; }
.guide93-rate-result:empty { display: none; }
.guide93-links { display: flex; flex-wrap: wrap; gap: .55rem 1.1rem; }
@media (max-width: 767px) {
  .guide93-hero { padding-top: calc(var(--svc80-menu-height, 104px) + 20px); }
  .guide93-wrap { width: calc(100% - 36px); }
  .guide93-grid { grid-template-columns: minmax(0, 1fr); gap: 14px; }
  .guide93-summary { padding: 11px; gap: 6px; }
  .guide93-fields { grid-template-columns: minmax(0,1fr); }
  .guide93 th, .guide93 td { padding: .4em; }
}