.fdl-guide {
    --fdl-navy: #123260;
    --fdl-blue: #245fd1;
    --fdl-green: #087a55;
    --fdl-orange: #d96913;
    --fdl-red: #c73b38;
    --fdl-line: #dce3eb;
    --fdl-soft: #f5f8fc;
}

.fdl-guide .ins-guide-hero {
    padding-bottom: 30px;
    border-bottom: 3px solid var(--fdl-navy);
}

.fdl-summary-strip {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    border-top: 1px solid var(--fdl-line);
    border-bottom: 1px solid var(--fdl-line);
}

.fdl-summary-strip > div {
    min-width: 0;
    padding: 18px 20px;
    border-right: 1px solid var(--fdl-line);
}

.fdl-summary-strip > div:last-child {
    border-right: 0;
}

.fdl-summary-strip span,
.fdl-summary-strip strong,
.fdl-summary-strip small {
    display: block;
}

.fdl-summary-strip span {
    margin-bottom: 7px;
    color: #687586;
    font-size: 0.78rem;
    font-weight: 800;
}

.fdl-summary-strip strong {
    color: var(--fdl-navy);
    font-size: 1.02rem;
    line-height: 1.35;
}

.fdl-summary-strip small {
    margin-top: 5px;
    color: #75808e;
    font-size: 0.76rem;
    line-height: 1.45;
}

.fdl-check-table table {
    min-width: 760px;
}

.fdl-check-table tbody th {
    width: 170px;
    border-left: 4px solid var(--fdl-blue);
    color: var(--fdl-navy);
}

.fdl-history-flow {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    border-top: 3px solid var(--fdl-navy);
    border-bottom: 1px solid var(--fdl-line);
}

.fdl-history-stage {
    min-width: 0;
    padding: 20px;
    border-right: 1px solid var(--fdl-line);
}

.fdl-history-stage:last-child {
    border-right: 0;
}

.fdl-history-stage > span,
.fdl-history-stage > strong,
.fdl-history-stage > small {
    display: block;
}

.fdl-history-stage > span {
    color: #687586;
    font-size: 0.76rem;
    font-weight: 850;
}

.fdl-history-stage > strong {
    margin-top: 6px;
    color: var(--fdl-blue);
    font-size: 1.65rem;
    line-height: 1.2;
}

.fdl-history-stage--2 > strong {
    color: var(--fdl-orange);
}

.fdl-history-stage--3 > strong {
    color: var(--fdl-red);
}

.fdl-history-stage p {
    min-height: 48px;
    margin: 12px 0 8px;
    color: #374456;
    font-size: 0.82rem;
    font-weight: 750;
    line-height: 1.55;
}

.fdl-history-stage small {
    color: #6c7785;
    font-size: 0.74rem;
    line-height: 1.55;
}

.fdl-history-alert {
    display: grid;
    grid-template-columns: 220px minmax(0, 1fr);
    gap: 20px;
    margin: 18px 0;
    padding: 16px 18px;
    border-left: 4px solid #f0b33a;
    background: #fff9e9;
}

.fdl-history-alert strong {
    color: #6f4a08;
    font-size: 0.88rem;
}

.fdl-history-alert p {
    margin: 0;
    color: #604f2b;
    font-size: 0.82rem;
    line-height: 1.65;
}

.fdl-old-term-table table {
    min-width: 900px;
    table-layout: fixed;
}

.fdl-old-term-table thead th {
    background: var(--fdl-navy);
    color: #ffffff;
}

.fdl-old-term-table thead th:first-child,
.fdl-old-term-table tbody th {
    width: 160px;
}

.fdl-old-term-table__highlight th,
.fdl-old-term-table__highlight td {
    background: #fff7df !important;
    color: #714d13;
}

.fdl-history-subhead {
    display: grid;
    grid-template-columns: 320px minmax(0, 1fr);
    gap: 22px;
    align-items: end;
    margin-top: 26px;
    padding-top: 20px;
    border-top: 1px solid var(--fdl-line);
}

.fdl-history-subhead h3,
.fdl-history-subhead p {
    margin: 0;
}

.fdl-history-subhead h3 {
    color: var(--fdl-navy);
    font-size: 1.03rem;
}

.fdl-history-subhead p {
    color: #66717f;
    font-size: 0.8rem;
    line-height: 1.6;
}

.fdl-threshold-table {
    margin-top: 12px;
}

.fdl-threshold-table table {
    min-width: 720px;
}

.fdl-threshold-table thead th {
    text-align: center;
}

.fdl-threshold-table tbody th,
.fdl-threshold-table tbody td {
    text-align: center;
    vertical-align: middle;
}

.fdl-threshold-row--1 th,
.fdl-threshold-row--1 td {
    background: #f3f7fd;
}

.fdl-threshold-row--2 th,
.fdl-threshold-row--2 td {
    background: #fff8e7;
}

.fdl-threshold-row--3 th,
.fdl-threshold-row--3 td {
    background: #fff0ed;
}

.fdl-history-subhead--mixed {
    margin-top: 32px;
}

.fdl-mixed-threshold-table thead th {
    background: #183b6b;
    color: #ffffff;
}

.fdl-mixed-threshold-table tbody th {
    text-align: left;
}

.fdl-zero-deductible-note {
    display: grid;
    grid-template-columns: 230px minmax(0, 1fr);
    gap: 18px;
    margin-top: 14px;
    padding: 15px 17px;
    border-left: 4px solid var(--fdl-blue);
    background: #f4f8ff;
}

.fdl-zero-deductible-note strong {
    color: var(--fdl-navy);
    font-size: 0.86rem;
}

.fdl-zero-deductible-note p {
    margin: 0;
    color: #536176;
    font-size: 0.8rem;
    line-height: 1.65;
}

.fdl-zero-deductible-note em {
    color: var(--fdl-blue);
    font-style: normal;
    font-weight: 850;
}

.fdl-simulation-scope {
    display: grid;
    grid-template-columns: 1fr 1.5fr 1fr;
    border-top: 3px solid var(--fdl-navy);
    border-bottom: 1px solid var(--fdl-line);
}

.fdl-simulation-scope > div {
    min-width: 0;
    padding: 16px 18px;
    border-right: 1px solid var(--fdl-line);
}

.fdl-simulation-scope > div:last-child {
    border-right: 0;
}

.fdl-simulation-scope span,
.fdl-simulation-scope strong {
    display: block;
}

.fdl-simulation-scope span {
    margin-bottom: 6px;
    color: #6b7787;
    font-size: 0.75rem;
    font-weight: 800;
}

.fdl-simulation-scope strong {
    color: var(--fdl-navy);
    font-size: 0.88rem;
    line-height: 1.5;
}

.fdl-simulation-warning {
    display: grid;
    grid-template-columns: 250px minmax(0, 1fr);
    gap: 18px;
    margin-top: 12px;
    padding: 14px 16px;
    border-left: 4px solid #f0b33a;
    background: #fff9e9;
}

.fdl-simulation-warning strong {
    color: #704d10;
    font-size: 0.85rem;
}

.fdl-simulation-warning p {
    margin: 0;
    color: #604f2c;
    font-size: 0.8rem;
    line-height: 1.62;
}

.fdl-simulation-subhead {
    margin-top: 24px;
}

.fdl-mixed-simulation-table table {
    min-width: 900px;
}

.fdl-mixed-simulation-table thead th {
    background: var(--fdl-navy);
    color: #ffffff;
    text-align: center;
}

.fdl-mixed-simulation-table tbody th,
.fdl-mixed-simulation-table tbody td {
    text-align: center;
    vertical-align: middle;
}

.fdl-mixed-simulation-table__full th,
.fdl-mixed-simulation-table__full td {
    background: #eaf8f1;
}

.fdl-mixed-simulation-table .fdl-final-burden {
    color: var(--fdl-red);
}

.fdl-mixed-simulation-table__full .fdl-final-burden {
    color: var(--fdl-green);
}

.fdl-mixed-result-strip {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    border-bottom: 1px solid var(--fdl-line);
}

.fdl-mixed-result-strip > div {
    padding: 14px 16px;
    border-right: 1px solid var(--fdl-line);
}

.fdl-mixed-result-strip > div:last-child {
    border-right: 0;
    background: #eaf8f1;
}

.fdl-mixed-result-strip span,
.fdl-mixed-result-strip strong {
    display: block;
}

.fdl-mixed-result-strip span {
    color: #6b7787;
    font-size: 0.74rem;
}

.fdl-mixed-result-strip strong {
    margin-top: 4px;
    color: var(--fdl-navy);
    font-size: 0.88rem;
}

.fdl-mixed-result-strip > div:last-child strong {
    color: var(--fdl-green);
}

.fdl-formula {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto minmax(0, 1.2fr);
    align-items: center;
    gap: 18px;
    margin-bottom: 14px;
    padding: 18px 20px;
    border: 1px solid #cfd9e8;
    border-left: 4px solid var(--fdl-blue);
    background: #f7faff;
}

.fdl-formula div span,
.fdl-formula div strong {
    display: block;
}

.fdl-formula div span {
    margin-bottom: 4px;
    color: #637083;
    font-size: 0.78rem;
    font-weight: 800;
}

.fdl-formula div strong {
    color: var(--fdl-navy);
    font-size: 1rem;
    line-height: 1.45;
}

.fdl-formula > b {
    color: var(--fdl-blue);
    font-size: 1.2rem;
}

.fdl-legend {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin: 0 0 10px;
}

.fdl-legend span {
    display: inline-flex;
    align-items: center;
    min-height: 30px;
    padding: 4px 11px;
    border: 1px solid transparent;
    border-radius: 999px;
    font-size: 0.75rem;
    font-weight: 800;
}

.fdl-legend__none,
.fdl-status-none {
    border-color: #d8dee7 !important;
    background: #f1f4f7 !important;
    color: #6b7481 !important;
}

.fdl-legend__partial,
.fdl-status-partial {
    border-color: #f1d38b !important;
    background: #fff7df !important;
    color: #845714 !important;
}

.fdl-legend__full,
.fdl-status-full {
    border-color: #a9ddc8 !important;
    background: #eaf8f1 !important;
    color: #086344 !important;
}

.fdl-matrix-wrap {
    border-top: 3px solid var(--fdl-navy);
}

.fdl-matrix-table {
    min-width: 860px !important;
    table-layout: fixed;
}

.fdl-matrix-table thead th {
    padding-top: 14px;
    padding-bottom: 14px;
    background: var(--fdl-navy);
    color: #ffffff;
    text-align: center;
}

.fdl-matrix-table thead th:first-child {
    width: 150px;
}

.fdl-matrix-table tbody th {
    background: #f7f9fc;
    color: #18283e;
    text-align: center;
    vertical-align: middle;
    font-size: 0.92rem;
}

.fdl-matrix-table tbody td {
    text-align: center;
    vertical-align: middle;
}

.fdl-matrix-table td strong,
.fdl-matrix-table td small {
    display: block;
}

.fdl-matrix-table td strong {
    font-size: 0.86rem;
}

.fdl-matrix-table td small {
    margin-top: 4px;
    color: currentColor;
    opacity: 0.82;
    font-size: 0.73rem;
}

.fdl-table-note {
    margin: 10px 0 0;
    color: #66717f;
    font-size: 0.78rem;
    line-height: 1.55;
}

.fdl-visual-grid {
    display: grid;
    grid-template-columns: 1.35fr 1fr;
    gap: 22px;
}

.fdl-visual-grid figure {
    min-width: 0;
    margin: 0;
    border-top: 3px solid var(--fdl-blue);
    background: var(--fdl-soft);
}

.fdl-visual-grid figure:nth-child(2) {
    border-top-color: var(--fdl-green);
}

.fdl-visual-grid a {
    display: block;
    overflow: hidden;
    background: #e9eef5;
}

.fdl-visual-grid img {
    display: block;
    width: 100%;
    height: auto;
    aspect-ratio: 16 / 10;
    object-fit: cover;
    object-position: top;
    transition: transform 180ms ease;
}

.fdl-visual-grid figure:nth-child(2) img {
    aspect-ratio: 4 / 5;
}

.fdl-visual-grid a:hover img {
    transform: scale(1.015);
}

.fdl-visual-grid figcaption {
    display: grid;
    gap: 4px;
    padding: 14px 16px 16px;
}

.fdl-visual-grid figcaption strong {
    color: #17263b;
    font-size: 0.9rem;
}

.fdl-visual-grid figcaption span {
    color: #697585;
    font-size: 0.77rem;
    line-height: 1.5;
}

.fdl-text-data {
    margin-top: 22px;
    border-top: 1px solid var(--fdl-line);
}

.fdl-text-data h3 {
    margin: 0;
    padding: 18px 0 14px;
    color: var(--fdl-navy);
    font-size: 1rem;
}

.fdl-text-data dl {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    margin: 0;
    border-top: 1px solid var(--fdl-line);
}

.fdl-text-data dl > div {
    display: grid;
    grid-template-columns: 150px minmax(0, 1fr);
    gap: 14px;
    padding: 15px 16px;
    border-right: 1px solid var(--fdl-line);
    border-bottom: 1px solid var(--fdl-line);
}

.fdl-text-data dl > div:nth-child(even) {
    border-right: 0;
}

.fdl-text-data dt {
    color: var(--fdl-blue);
    font-weight: 850;
}

.fdl-text-data dd {
    margin: 0;
    color: #4f5c6c;
    font-size: 0.82rem;
    line-height: 1.6;
}

.fdl-annex {
    border-top: 3px solid var(--fdl-navy);
}

.fdl-era-compare-table {
    margin-bottom: 20px;
}

.fdl-era-compare-table thead th {
    background: #183b6b;
    color: #ffffff;
}

.fdl-era-compare-table__key th,
.fdl-era-compare-table__key td {
    background: #fff7df !important;
}

.fdl-era-compare-table__key strong {
    color: #9a4f08;
}

.fdl-annex details {
    border-bottom: 1px solid var(--fdl-line);
    background: #ffffff;
}

.fdl-annex summary {
    display: flex;
    align-items: center;
    gap: 12px;
    min-height: 58px;
    padding: 10px 44px 10px 14px;
    color: #18283e;
    font-weight: 850;
    cursor: pointer;
    position: relative;
    list-style: none;
}

.fdl-annex summary::-webkit-details-marker {
    display: none;
}

.fdl-annex summary::after {
    content: '+';
    position: absolute;
    right: 16px;
    color: var(--fdl-blue);
    font-size: 1.35rem;
    font-weight: 500;
}

.fdl-annex details[open] summary::after {
    content: '−';
}

.fdl-annex summary span {
    flex: 0 0 auto;
    min-width: 54px;
    color: var(--fdl-blue);
    font-size: 0.74rem;
    letter-spacing: 0.02em;
}

.fdl-annex__body {
    padding: 0 20px 20px 80px;
    color: #3f4c5c;
}

.fdl-annex__body h3 {
    margin: 16px 0 6px;
    color: var(--fdl-navy);
    font-size: 0.9rem;
}

.fdl-annex__body p,
.fdl-annex__body li {
    font-size: 0.84rem;
    line-height: 1.72;
}

.fdl-annex__body p {
    margin: 0 0 10px;
}

.fdl-annex__body ul {
    margin: 8px 0 10px;
    padding-left: 1.2rem;
}

.fdl-annex__body li + li {
    margin-top: 4px;
}

.fdl-term-meta {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    margin: 4px 0 18px;
    border-top: 1px solid #cfd9e8;
    border-bottom: 1px solid #cfd9e8;
    background: #f7faff;
}

.fdl-term-meta > div {
    min-width: 0;
    padding: 13px 14px;
    border-right: 1px solid #dbe3ee;
}

.fdl-term-meta > div:last-child {
    border-right: 0;
}

.fdl-term-meta span,
.fdl-term-meta strong {
    display: block;
}

.fdl-term-meta span {
    margin-bottom: 5px;
    color: #6a7685;
    font-size: 0.72rem;
    font-weight: 800;
}

.fdl-term-meta strong {
    color: var(--fdl-navy);
    font-size: 0.8rem;
    line-height: 1.5;
}

.fdl-term-excerpt {
    margin: 8px 0 14px;
    padding: 14px 16px;
    border-left: 3px solid var(--fdl-blue);
    background: #f7faff;
}

.fdl-term-excerpt--amount {
    border-left-color: var(--fdl-orange);
    background: #fff8ec;
}

.fdl-term-excerpt p {
    margin: 0;
    color: #334155;
}

.fdl-term-excerpt p + p {
    margin-top: 8px;
}

.fdl-annex__note {
    padding: 10px 12px;
    border-left: 3px solid #f0b33a;
    background: #fff9e9;
    color: #604b22;
}

.fdl-annex-formula {
    display: grid;
    gap: 6px;
    margin: 14px 0;
    padding: 15px 16px;
    border: 1px solid #cfd9e8;
    background: #f7faff;
}

.fdl-annex-formula strong {
    color: var(--fdl-blue);
    font-size: 0.78rem;
}

.fdl-annex-formula span {
    color: var(--fdl-navy);
    font-weight: 850;
    line-height: 1.55;
}

.fdl-source-list {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    margin: 0;
    padding: 0;
    border-top: 1px solid var(--fdl-line);
    list-style: none;
}

.fdl-source-list li {
    border-right: 1px solid var(--fdl-line);
    border-bottom: 1px solid var(--fdl-line);
}

.fdl-source-list li:last-child {
    border-right: 0;
}

.fdl-source-list li:nth-child(3n) {
    border-right: 0;
}

.fdl-source-list a {
    display: grid;
    gap: 7px;
    min-height: 100%;
    padding: 17px 18px;
    color: inherit;
    text-decoration: none;
}

.fdl-source-list strong {
    color: var(--fdl-blue);
    font-size: 0.9rem;
}

.fdl-source-list span {
    color: #657180;
    font-size: 0.78rem;
    line-height: 1.55;
}

.fdl-source-list a:hover strong {
    text-decoration: underline;
    text-underline-offset: 3px;
}

@media (max-width: 900px) {
    .fdl-summary-strip {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .fdl-summary-strip > div:nth-child(2) {
        border-right: 0;
    }

    .fdl-summary-strip > div:nth-child(-n + 2) {
        border-bottom: 1px solid var(--fdl-line);
    }

    .fdl-visual-grid,
    .fdl-source-list {
        grid-template-columns: 1fr;
    }

    .fdl-history-flow {
        grid-template-columns: 1fr;
    }

    .fdl-history-stage {
        border-right: 0;
        border-bottom: 1px solid var(--fdl-line);
    }

    .fdl-history-stage:last-child {
        border-bottom: 0;
    }

    .fdl-history-stage p {
        min-height: 0;
    }

    .fdl-history-alert,
    .fdl-history-subhead,
    .fdl-zero-deductible-note,
    .fdl-simulation-warning {
        grid-template-columns: 1fr;
        gap: 8px;
    }

    .fdl-simulation-scope {
        grid-template-columns: 1fr;
    }

    .fdl-simulation-scope > div {
        border-right: 0;
        border-bottom: 1px solid var(--fdl-line);
    }

    .fdl-simulation-scope > div:last-child {
        border-bottom: 0;
    }

    .fdl-mixed-result-strip {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .fdl-mixed-result-strip > div:nth-child(2) {
        border-right: 0;
    }

    .fdl-mixed-result-strip > div:nth-child(-n + 2) {
        border-bottom: 1px solid var(--fdl-line);
    }

    .fdl-source-list li {
        border-right: 0;
    }

    .fdl-term-meta {
        grid-template-columns: 1fr;
    }

    .fdl-term-meta > div {
        border-right: 0;
        border-bottom: 1px solid #dbe3ee;
    }

    .fdl-term-meta > div:last-child {
        border-bottom: 0;
    }

    .fdl-text-data dl {
        grid-template-columns: 1fr;
    }

    .fdl-text-data dl > div {
        border-right: 0;
    }
}

@media (max-width: 640px) {
    .fdl-guide .ins-guide-hero {
        padding-bottom: 24px;
    }

    .fdl-summary-strip {
        margin-top: 0;
    }

    .fdl-summary-strip > div {
        padding: 14px 12px;
    }

    .fdl-summary-strip strong {
        font-size: 0.9rem;
    }

    .fdl-formula {
        grid-template-columns: 1fr;
        gap: 10px;
        padding: 15px 16px;
    }

    .fdl-formula > b {
        transform: rotate(90deg);
        justify-self: start;
    }

    .fdl-matrix-wrap {
        margin-right: -15px;
    }

    .fdl-visual-grid {
        gap: 18px;
    }

    .fdl-visual-grid img,
    .fdl-visual-grid figure:nth-child(2) img {
        aspect-ratio: 16 / 11;
    }

    .fdl-text-data dl > div {
        grid-template-columns: 1fr;
        gap: 5px;
        padding: 13px 4px;
    }

    .fdl-annex summary {
        align-items: flex-start;
        min-height: 54px;
        padding-left: 4px;
        font-size: 0.86rem;
        line-height: 1.45;
    }

    .fdl-annex__body {
        padding: 0 4px 18px;
    }

    .fdl-annex summary span {
        min-width: 48px;
    }
}

@media (prefers-reduced-motion: reduce) {
    .fdl-visual-grid img {
        transition: none;
    }
}