.guide-breadcrumbs { margin: 0 0 32px; font-size: .82rem; color: var(--muted); overflow-wrap: anywhere; }
.guide-breadcrumbs a { text-decoration: underline; text-underline-offset: 3px; }
.guide-provisional, .guide-article blockquote { padding: 18px 22px; background: #fff4de; border-left: 4px solid #a45f00; border-radius: 8px; }
.guide-provisional { max-width: 75ch; }
.guide-article { max-width: 850px; }
.guide-article h2, .guide-article h3 { scroll-margin-top: 90px; color: var(--navy); }
.guide-article h2 { margin-top: 36px; }
.guide-article h3 { margin-top: 26px; }
.guide-article p, .guide-article li { overflow-wrap: anywhere; }
.guide-article li { margin-bottom: 8px; }
.guide-article blockquote { margin: 24px 0; background: var(--surface-muted); border-color: var(--navy); }
.guide-article blockquote p { margin: 0; }
.guide-table-scroll { max-width: 100%; overflow-x: auto; margin: 24px 0; border: 1px solid var(--line); border-radius: 10px; }
.guide-table-scroll table { min-width: 520px; width: 100%; border-collapse: collapse; font-size: .88rem; }
.guide-table-scroll caption { text-align: left; font-weight: 700; padding: 12px 16px; color: var(--navy); }
.guide-table-scroll th, .guide-table-scroll td { padding: 12px 16px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
.guide-table-scroll thead { color: #fff; background: var(--navy); }
.guide-table-scroll tbody th { font-weight: 600; }
.guide-table-scroll tbody tr:nth-child(even) { background: var(--surface-muted); }
.full-rate-tables { margin-top: 24px; padding: 16px; border: 1px solid var(--line); border-radius: 10px; }
.full-rate-tables summary { cursor: pointer; color: var(--navy); font-weight: 700; }
.full-rate-tables .pay-chart-scroll { margin-top: 18px; }
.condition-calc-note { margin: 0 0 22px; color: var(--muted); }
.backpay-layout { display: grid; grid-template-columns: minmax(0, 1fr) 360px; gap: 28px; align-items: start; }
.backpay-main, .backpay-explanation { min-width: 0; }
.backpay-layout .guide-article { max-width: none; margin: 0; }
.backpay-explanation { grid-column: 1; }
.backpay-result-card .breakdown-row span:last-child { flex-shrink: 0; }
.backpay-result-card [hidden] { display: none; }
@media (max-width: 920px) {
  .backpay-layout { grid-template-columns: minmax(0, 1fr); }
  .backpay-result-card { position: static; }
}
.backpay-tool { padding: clamp(18px, 3vw, 30px); margin: 24px 0 40px; border: 1px solid var(--line); border-radius: 16px; background: var(--surface); box-shadow: var(--shadow); scroll-margin-top: 84px; }
.backpay-main .backpay-tool { margin-bottom: 0; }
.backpay-tool h2 { margin: 0 0 12px; }
.backpay-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.backpay-field { display: flex; flex-direction: column; gap: 6px; font-size: .88rem; font-weight: 600; min-width: 0; }
.backpay-tool input, .backpay-tool select { width: 100%; min-width: 0; padding: 10px 12px; border: 1px solid #aeb8c5; border-radius: 7px; font: inherit; font-size: 16px; color: var(--text); background: #fff; }
.backpay-tool input[type="checkbox"] { width: 18px; height: 18px; margin: 0 8px 0 0; vertical-align: middle; accent-color: var(--red); }
.backpay-tool :focus-visible { outline: 3px solid var(--navy); outline-offset: 3px; }
.backpay-tool fieldset { min-width: 0; margin: 22px 0; padding: 16px; border: 1px solid var(--line); border-radius: 10px; }
.backpay-tool legend { float: left; width: 100%; color: var(--navy); font-weight: 700; padding: 0; margin: 0 0 16px; }
.backpay-tool legend + * { clear: both; }
.backpay-tool .backpay-hint { color: var(--muted); font-size: .85rem; margin: 8px 0 16px; }
.backpay-actions { display: flex; flex-wrap: wrap; gap: 10px; margin: 18px 0; }
.backpay-error { color: #8b0822; padding: 16px; background: #fff0f2; border: 1px solid #e8aabb; border-radius: 8px; }
.backpay-result { margin-top: 26px; padding-top: 24px; border-top: 1px solid var(--line); }
.backpay-result .guide-table-scroll table { min-width: 850px; }
.backpay-result tbody th, .backpay-result td { white-space: nowrap; }
.backpay-stage { margin: 18px 0; padding: 16px; border: 1px solid var(--line); border-radius: 10px; background: #f8fafc; }
.backpay-stage h3 { margin-top: 0; }
.backpay-advanced { margin-top: 24px; }
.backpay-advanced summary { font-weight: 700; color: var(--navy); cursor: pointer; padding: 10px 0; }
.backpay-tool [hidden] { display: none !important; }
@media (max-width: 640px) {
  .guide-breadcrumbs { margin-bottom: 24px; }
  .guide-table-scroll th, .guide-table-scroll td { padding: 10px 12px; }
  .backpay-grid { grid-template-columns: minmax(0, 1fr); }
  .backpay-tool fieldset, .backpay-stage { padding: 12px; }
  .backpay-tool .button { width: 100%; }
}