:root {
  --guide-navy: #0c1d3c;
  --guide-blue: #2a6ef5;
  --guide-sky: #8fc7ff;
  --guide-lilac: #d9e7ff;
  --guide-sand: #f8f5f0;
  --guide-ink: #1b2a4b;
  --guide-muted: #62708f;
  --guide-border: rgba(15, 32, 68, 0.08);
  --guide-radius: 18px;
  --guide-shadow: 0 18px 42px rgba(10, 31, 68, 0.12);
}

.guide-hero {
  position: relative;
  overflow: hidden;
  padding: clamp(1.6rem, 3vw, 2.4rem) 0 clamp(1.3rem, 3vw, 2rem);
  background: linear-gradient(140deg, #0c1d3c 0%, #123a7d 38%, #1f50b5 100%);
  color: #ffffff;
}

.guide-hero::before,
.guide-hero::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.45;
  pointer-events: none;
}

.guide-hero::before {
  width: 320px;
  height: 320px;
  top: -120px;
  left: -140px;
  background: rgba(17, 161, 255, 0.75);
}

.guide-hero::after {
  width: 380px;
  height: 380px;
  bottom: -140px;
  right: -160px;
  background: rgba(134, 96, 255, 0.55);
}

.guide-hero .guide-kicker {
  display: inline-block;
  padding: 0.4rem 0.95rem;
  border-radius: 999px;
  font-size: 0.75rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  background: rgba(255, 255, 255, 0.18);
  color: rgba(255, 255, 255, 0.92);
  margin-bottom: 0.75rem;
}

.guide-hero .guide-title {
  font-size: clamp(2.2rem, 3vw, 3.1rem);
  font-weight: 700;
  letter-spacing: 0.01em;
  color: #ffffff;
  text-shadow: 0 6px 20px rgba(0, 0, 0, 0.4);
  margin-bottom: 0.6rem;
}

.guide-hero .guide-subtitle {
  font-size: 1.05rem;
  max-width: 38rem;
  color: rgba(255, 255, 255, 0.9);
}

.guide-content {
  margin-top: 1.25rem;
  padding-bottom: 4rem;
}

.guide-content.no-overlap {
  margin-top: 1.25rem;
}

.guide-content.overlap {
  margin-top: clamp(-1.5rem, -3vw, -1rem);
}

.guide-content .card,
.guide-card {
  border: 1px solid var(--guide-border);
  border-radius: var(--guide-radius);
  box-shadow: var(--guide-shadow);
  background: #ffffff;
}

.guide-card {
  padding: 2.25rem;
}

.guide-card h2,
.guide-card h3 {
  color: var(--guide-ink);
}

.guide-card p {
  color: var(--guide-muted);
  line-height: 1.7;
}

.guide-section-title {
  font-size: 1.75rem;
  font-weight: 600;
  color: var(--guide-ink);
  margin-bottom: 1.5rem;
}

.guide-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.75rem;
}

.guide-grid .guide-tile {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  padding: 1.75rem;
  border-radius: var(--guide-radius);
  background: #ffffff;
  border: 1px solid var(--guide-border);
  box-shadow: 0 14px 36px rgba(12, 29, 60, 0.1);
  transition: transform 0.22s ease, box-shadow 0.22s ease;
  color: inherit;
  text-decoration: none;
}

.guide-grid .guide-tile:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 42px rgba(12, 29, 60, 0.16);
}

.guide-grid .guide-tile .tile-icon {
  width: 46px;
  height: 46px;
  border-radius: 12px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: rgba(42, 110, 245, 0.15);
  color: var(--guide-blue);
  margin-bottom: 1rem;
  font-size: 1.25rem;
}

.guide-grid .guide-tile h3 {
  font-size: 1.1rem;
  font-weight: 600;
  margin-bottom: 0.6rem;
  color: var(--guide-ink);
}

.guide-grid .guide-tile p {
  color: var(--guide-muted);
  margin-bottom: 1.2rem;
}

.guide-grid .guide-tile .btn {
  font-weight: 600;
  letter-spacing: 0.05em;
}

.guide-sidebar {
  min-height: 100%;
  border-radius: 24px;
  background: linear-gradient(150deg, rgba(15, 32, 68, 0.94), rgba(42, 110, 245, 0.94));
  color: #ffffff;
  padding: 2.5rem 2rem;
  box-shadow: 0 24px 60px rgba(12, 29, 60, 0.28);
}

.guide-sidebar .sidebar-title {
  font-size: 1.4rem;
  font-weight: 600;
  margin-bottom: 1.75rem;
}

.guide-sidebar .nav-link {
  color: rgba(255, 255, 255, 0.78);
  font-weight: 500;
  padding: 0.75rem 1rem;
  border-radius: 12px;
  transition: background 0.25s ease, color 0.25s ease, transform 0.25s ease;
  display: flex;
  align-items: center;
  gap: 0.65rem;
  margin-bottom: 0.3rem;
}

.guide-sidebar .nav-link .link-icon {
  font-size: 1.1rem;
  opacity: 0.75;
}

.guide-sidebar .nav-link:hover {
  background: rgba(255, 255, 255, 0.12);
  color: #ffffff;
  transform: translateX(4px);
}

.guide-sidebar .nav-link.active {
  background: rgba(255, 255, 255, 0.18);
  color: #ffffff;
  font-weight: 600;
}

.guide-sidebar .nav-link.active .link-icon {
  opacity: 1;
}

.guide-main {
  padding: 2.5rem 2.25rem;
}

.guide-main h1,
.guide-main h2,
.guide-main h3 {
  color: var(--guide-ink);
}

.guide-main h1 {
  font-weight: 700;
  margin-bottom: 1rem;
}

.guide-main h2 {
  font-size: 1.6rem;
  margin-top: 2rem;
  margin-bottom: 0.75rem;
}

.guide-main h3 {
  font-size: 1.25rem;
  margin-top: 1.5rem;
  margin-bottom: 0.5rem;
}

.guide-main p,
.guide-main li {
  color: var(--guide-muted);
  line-height: 1.8;
}

.guide-main ul,
.guide-main ol {
  padding-left: 1.25rem;
}

.guide-pill {
  display: inline-flex;
  align-items: center;
  padding: 0.35rem 0.9rem;
  border-radius: 999px;
  font-size: 0.78rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  background: rgba(42, 110, 245, 0.12);
  color: var(--guide-blue);
  font-weight: 600;
}

.guide-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 1.2rem;
  color: var(--guide-muted);
  font-size: 0.9rem;
}

.guide-cta {
  margin-top: 3rem;
  padding: 2rem;
  border-radius: var(--guide-radius);
  background: linear-gradient(140deg, rgba(42, 110, 245, 0.14), rgba(17, 161, 255, 0.14));
  border: 1px solid rgba(42, 110, 245, 0.12);
}

.guide-cta h3 {
  font-weight: 600;
  color: var(--guide-ink);
  margin-bottom: 0.6rem;
}

.guide-card-list {
  display: grid;
  gap: 1.25rem;
}

.loan-officer-guide .loan-officer-step {
  margin-bottom: 2rem;
}

.loan-officer-guide .loan-officer-step:last-child {
  margin-bottom: 0;
}

.loan-officer-guide .loan-officer-step h2 {
  margin-top: 0;
}

.loan-officer-guide .loan-officer-step .guide-card-list {
  margin-top: 1rem;
}

.guide-card-list .guide-card-item {
  padding: 1.5rem;
  border-radius: var(--guide-radius);
  background: #ffffff;
  border: 1px solid var(--guide-border);
  box-shadow: 0 12px 32px rgba(12, 29, 60, 0.08);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.guide-card-list .guide-card-item:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 40px rgba(12, 29, 60, 0.14);
}

.guide-card-item h4 {
  font-size: 1.2rem;
  margin-bottom: 0.5rem;
  color: var(--guide-ink);
}

.guide-card-item p {
  margin-bottom: 0.85rem;
}

.guide-form-card {
  max-width: 640px;
  margin: -2rem auto 4rem;
  padding: 2.5rem;
  border-radius: var(--guide-radius);
  background: #ffffff;
  border: 1px solid rgba(12, 29, 60, 0.08);
  box-shadow: var(--guide-shadow);
}

.guide-form-card h1 {
  font-size: 2rem;
  font-weight: 700;
  text-align: center;
  margin-bottom: 0.75rem;
  color: var(--guide-ink);
}

.guide-form-card p.guide-form-subtitle {
  text-align: center;
  color: var(--guide-muted);
  margin-bottom: 2rem;
}

.guide-form-card form .form-control {
  border-radius: 12px;
  padding: 0.85rem 1rem;
  border: 1px solid rgba(12, 29, 60, 0.16);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.guide-form-card form .form-control:focus {
  border-color: var(--guide-blue);
  box-shadow: 0 0 0 0.2rem rgba(42, 110, 245, 0.18);
}

.guide-form-card form button {
  width: 100%;
  padding: 0.9rem;
  border-radius: 12px;
  font-weight: 600;
  letter-spacing: 0.05em;
  background: linear-gradient(135deg, #2a6ef5, #549bff);
  border: none;
}

.guide-form-card form button:hover {
  box-shadow: 0 18px 30px rgba(42, 110, 245, 0.25);
}

@media (max-width: 991.98px) {
  .guide-sidebar {
    margin-bottom: 1.75rem;
  }

  .guide-main {
    padding: 2rem 1.5rem;
  }
}

@media (max-width: 767.98px) {
  .guide-hero {
    padding: 1.55rem 0 1.35rem;
  }

  .guide-hero .guide-kicker {
    padding: 0.32rem 0.78rem;
    font-size: 0.68rem;
    margin-bottom: 0.55rem;
  }

  .guide-hero .guide-title {
    font-size: 1.72rem;
    text-shadow: 0 4px 14px rgba(0, 0, 0, 0.35);
    margin-bottom: 0.45rem;
  }

  .guide-hero .guide-subtitle {
    font-size: 0.92rem;
    line-height: 1.55;
  }

  .guide-card {
    padding: 1.2rem;
  }

  .guide-content {
    margin-top: 0.75rem;
  }

  .guide-form-card {
    padding: 1.45rem 1.1rem;
    margin: -1rem auto 2.5rem;
  }

  .guide-sidebar {
    padding: 1.2rem 1rem;
    border-radius: 20px;
    margin-bottom: 0;
  }

  .guide-sidebar .sidebar-title {
    font-size: 1.08rem;
    margin-bottom: 1rem;
  }

  .guide-sidebar .nav-link {
    padding: 0.66rem 0.8rem;
    font-size: 0.92rem;
  }

  .guide-main {
    padding: 1.25rem 1rem;
  }

  .guide-cta {
    margin-top: 1.15rem;
    padding: 1rem;
  }
}