.money-guide{
  --mg-red:#b5121b;
  --mg-red-dark:#850b12;
  --mg-black:#090909;
  --mg-ink:#151515;
  --mg-muted:#5d5d5d;
  --mg-line:#dedede;
  --mg-soft:#f5f5f3;
  background:#fff;
  color:var(--mg-ink);
}
.money-guide *{box-sizing:border-box}
.money-guide button,.money-guide a{font:inherit}
.money-guide .mg-shell{width:min(1180px,calc(100% - 40px));margin:0 auto}
.money-guide .mg-hero{position:relative;overflow:hidden;padding:86px 0 76px;border-bottom:1px solid var(--mg-line);background:#fff}
.money-guide .mg-hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(0,0,0,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(0,0,0,.035) 1px,transparent 1px);background-size:42px 42px;mask-image:linear-gradient(90deg,#000,transparent 84%)}
.money-guide .mg-hero:after{content:"";position:absolute;width:390px;height:390px;right:-180px;top:-230px;border:1px solid rgba(181,18,27,.28);transform:rotate(28deg);box-shadow:0 0 0 58px rgba(181,18,27,.025)}
.money-guide .mg-hero-inner{position:relative;z-index:1}
.money-guide .mg-eyebrow,.money-guide .mg-section-no{font:800 11px/1.2 ui-monospace,SFMono-Regular,Consolas,monospace;letter-spacing:.16em;color:var(--mg-red)}
.money-guide .mg-hero h1{max-width:990px;margin:20px 0 25px;font-size:clamp(42px,7vw,82px);line-height:1.06;letter-spacing:-.055em}
.money-guide .mg-hero h1 em{font-style:normal;color:var(--mg-red)}
.money-guide .mg-lead{max-width:860px;margin:0;color:var(--mg-muted);font-size:clamp(16px,2.1vw,20px);line-height:1.8}
.money-guide .mg-meta{display:flex;gap:10px;flex-wrap:wrap;margin-top:30px}
.money-guide .mg-meta span{display:inline-flex;padding:7px 11px;border:1px solid var(--mg-line);background:#fff;font-size:12px;font-weight:800}
.money-guide .mg-section{padding:82px 0}
.money-guide .mg-section-soft{background:var(--mg-soft)}
.money-guide .mg-heading{display:grid;grid-template-columns:210px minmax(0,1fr);gap:48px;margin-bottom:34px}
.money-guide .mg-heading h2{margin:0 0 16px;font-size:clamp(31px,4.6vw,54px);line-height:1.16;letter-spacing:-.045em}
.money-guide .mg-heading p{max-width:800px;margin:0;color:var(--mg-muted)}
.money-guide .mg-assumption-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:18px}
.money-guide .mg-assumption-main{padding:29px;background:var(--mg-black);color:#fff;border-left:7px solid var(--mg-red)}
.money-guide .mg-assumption-main small{display:block;margin-bottom:11px;color:#ef636a;font-weight:900;letter-spacing:.08em}
.money-guide .mg-assumption-main h3{margin:0 0 14px;font-size:27px;line-height:1.35}
.money-guide .mg-assumption-main p{margin:0;color:rgba(255,255,255,.72)}
.money-guide .mg-assumption-side{display:grid;gap:10px}
.money-guide .mg-mini-card{padding:21px;border:1px solid var(--mg-line);background:#fff}
.money-guide .mg-mini-card b{display:block;margin-bottom:7px;color:var(--mg-red);font-size:12px}
.money-guide .mg-mini-card span{display:block;font-size:14px;line-height:1.65}
.money-guide .mg-stage{padding:34px;background:var(--mg-black);color:#fff;border:1px solid #222;box-shadow:0 22px 55px rgba(0,0,0,.12)}
.money-guide .mg-stage-toolbar{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:24px;align-items:end;margin-bottom:25px}
.money-guide .mg-stage-label{margin-bottom:9px;color:rgba(255,255,255,.52);font-size:12px;font-weight:800}
.money-guide .mg-step-switch{display:grid;grid-template-columns:repeat(4,minmax(130px,1fr));gap:8px}
.money-guide .mg-step-btn{position:relative;min-height:77px;padding:14px 15px;border:1px solid rgba(255,255,255,.22);background:#151515;color:#fff;text-align:left;cursor:pointer;transition:.2s}
.money-guide .mg-step-btn:hover{border-color:#fff;transform:translateY(-2px)}
.money-guide .mg-step-btn.active{border-color:var(--mg-red);background:var(--mg-red)}
.money-guide .mg-step-btn small{display:block;margin-bottom:5px;color:#ef656c;font:800 10px/1.2 ui-monospace,monospace;letter-spacing:.1em}
.money-guide .mg-step-btn.active small{color:#fff}
.money-guide .mg-step-btn strong{font-size:16px}
.money-guide .mg-model-switch{display:flex;gap:7px;flex-wrap:wrap;justify-content:flex-end}
.money-guide .mg-model-btn{padding:11px 13px;border:1px solid rgba(255,255,255,.25);background:#131313;color:#fff;font-size:12px;font-weight:800;cursor:pointer}
.money-guide .mg-model-btn.active{border-color:#fff;background:#fff;color:#111}
.money-guide .mg-interactive-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(350px,.95fr);gap:15px}
.money-guide .mg-panel{position:relative;min-height:435px;padding:27px;background:#fff;color:var(--mg-ink);border-top:5px solid var(--mg-red)}
.money-guide .mg-panel-kicker{font:800 10px/1.2 ui-monospace,monospace;letter-spacing:.13em;color:var(--mg-red)}
.money-guide .mg-panel h3{margin:8px 0 8px;font-size:27px;line-height:1.3}
.money-guide .mg-panel-lead{margin:0 0 25px;color:var(--mg-muted);font-size:14px}
.money-guide .mg-money-flow{display:grid;grid-template-columns:minmax(120px,1fr) 70px minmax(145px,1.1fr) 70px minmax(120px,1fr);align-items:center;min-height:190px;padding:20px 0}
.money-guide .mg-flow-node{display:flex;min-height:114px;flex-direction:column;justify-content:center;padding:17px;border:1px solid #cfcfcf;background:#fff;text-align:center}
.money-guide .mg-flow-node.is-primary{border-color:#111;background:#111;color:#fff}
.money-guide .mg-flow-node.is-red{border-color:var(--mg-red);background:#fff5f5}
.money-guide .mg-flow-node small{display:block;margin-bottom:7px;color:var(--mg-red);font:800 9px/1.2 ui-monospace,monospace;letter-spacing:.1em}
.money-guide .mg-flow-node strong{font-size:19px;line-height:1.35}
.money-guide .mg-flow-node span{margin-top:7px;color:var(--mg-muted);font-size:11px;line-height:1.45}
.money-guide .mg-flow-node.is-primary span{color:rgba(255,255,255,.63)}
.money-guide .mg-flow-arrow{text-align:center;color:var(--mg-red);font-size:30px;font-weight:900}
.money-guide .mg-flow-arrow small{display:block;margin-bottom:5px;color:#555;font-size:10px;line-height:1.35;font-weight:800}
.money-guide .mg-flow-note{margin-top:18px;padding:16px 18px;border-left:5px solid var(--mg-red);background:var(--mg-soft);font-size:14px;font-weight:800;line-height:1.65}
.money-guide .mg-journal{margin-top:21px;border:1px solid #cfcfcf}
.money-guide .mg-journal-head{display:grid;grid-template-columns:82px minmax(0,1fr) 115px;background:#111;color:#fff;font-size:11px;font-weight:800}
.money-guide .mg-journal-head span,.money-guide .mg-journal-row span{padding:12px 14px}
.money-guide .mg-journal-row{display:grid;grid-template-columns:82px minmax(0,1fr) 115px;border-top:1px solid var(--mg-line);font-weight:800}
.money-guide .mg-journal-row span:first-child{color:var(--mg-red)}
.money-guide .mg-journal-row span:last-child{text-align:right;font-variant-numeric:tabular-nums}
.money-guide .mg-journal-caption{margin:15px 0 0;color:var(--mg-muted);font-size:13px;line-height:1.65}
.money-guide .mg-balance-bars{display:grid;gap:10px;margin-top:22px}
.money-guide .mg-balance-item{display:grid;grid-template-columns:115px 1fr 58px;gap:10px;align-items:center;font-size:12px;font-weight:800}
.money-guide .mg-bar{height:13px;background:#ececec;overflow:hidden}
.money-guide .mg-bar i{display:block;height:100%;background:#111;transition:width .35s ease}
.money-guide .mg-bar.red i{background:var(--mg-red)}
.money-guide .mg-data-panel{grid-column:1/-1;display:grid;grid-template-columns:1fr 1fr;gap:15px;margin-top:15px}
.money-guide .mg-data-card{padding:24px;border:1px solid rgba(255,255,255,.22);background:#111;color:#fff}
.money-guide .mg-data-card h4{margin:0 0 13px;font-size:18px}
.money-guide .mg-data-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:9px;margin:0;padding:0;list-style:none}
.money-guide .mg-data-list li{position:relative;padding:11px 11px 11px 25px;background:#191919;border:1px solid rgba(255,255,255,.1);font-size:12px;line-height:1.5}
.money-guide .mg-data-list li:before{content:"";position:absolute;left:11px;top:18px;width:7px;height:2px;background:var(--mg-red)}
.money-guide .mg-check-card{padding:24px;background:var(--mg-red);color:#fff}
.money-guide .mg-check-card h4{margin:0 0 13px;font-size:18px}
.money-guide .mg-check-card ul{margin:0;padding:0;list-style:none}
.money-guide .mg-check-card li{position:relative;padding:9px 0 9px 24px;border-bottom:1px solid rgba(255,255,255,.2);font-size:13px;line-height:1.5}
.money-guide .mg-check-card li:last-child{border-bottom:0}
.money-guide .mg-check-card li:before{content:"✓";position:absolute;left:0;top:9px;font-weight:900}
.money-guide .mg-legal-strip{display:grid;grid-template-columns:170px 1fr;gap:20px;margin-top:15px;padding:20px 22px;border:1px solid rgba(255,255,255,.25);background:#080808}
.money-guide .mg-legal-strip b{color:#ef626a;font-size:12px}
.money-guide .mg-legal-strip p{margin:0;color:rgba(255,255,255,.76);font-size:13px;line-height:1.7}
.money-guide .mg-split-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.money-guide .mg-split-card{padding:25px;border:1px solid var(--mg-line);background:#fff}
.money-guide .mg-split-card.red{border-color:#111;background:#111;color:#fff}
.money-guide .mg-split-card .no{color:var(--mg-red);font:900 11px/1.2 ui-monospace,monospace;letter-spacing:.12em}
.money-guide .mg-split-card h3{margin:10px 0 12px;font-size:23px}
.money-guide .mg-split-card p{margin:0;color:var(--mg-muted);font-size:14px}
.money-guide .mg-split-card.red p{color:rgba(255,255,255,.68)}
.money-guide .mg-split-card ul{margin:16px 0 0;padding-left:18px;font-size:13px}
.money-guide .mg-year-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.money-guide details.mg-accordion{border:1px solid var(--mg-line);background:#fff}
.money-guide details.mg-accordion[open]{border-color:#111;box-shadow:7px 7px 0 rgba(0,0,0,.08)}
.money-guide details.mg-accordion summary{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:21px 22px;cursor:pointer;font-weight:900;list-style:none}
.money-guide details.mg-accordion summary::-webkit-details-marker{display:none}
.money-guide details.mg-accordion summary:after{content:"＋";color:var(--mg-red);font-size:22px}
.money-guide details.mg-accordion[open] summary:after{content:"−"}
.money-guide .mg-accordion-body{padding:0 22px 22px;border-top:1px solid var(--mg-line)}
.money-guide .mg-accordion-body ul{margin:17px 0 0;padding-left:19px;color:var(--mg-muted);font-size:14px}
.money-guide .mg-law-table{width:100%;border-collapse:collapse;background:#fff}
.money-guide .mg-law-table th,.money-guide .mg-law-table td{padding:19px 20px;border:1px solid var(--mg-line);vertical-align:top;text-align:left}
.money-guide .mg-law-table th{background:#111;color:#fff;font-size:13px}
.money-guide .mg-law-table th:first-child{width:20%;background:var(--mg-red)}
.money-guide .mg-law-table td:first-child{font-weight:900}
.money-guide .mg-law-table small{display:block;margin-top:7px;color:var(--mg-muted);line-height:1.55}
.money-guide .mg-law-note{margin-top:18px;padding:22px;background:#111;color:#fff;border-left:6px solid var(--mg-red)}
.money-guide .mg-law-note strong{color:#f3656d}
.money-guide .mg-faq{display:grid;gap:10px}
.money-guide .mg-faq details{border:1px solid var(--mg-line);background:#fff}
.money-guide .mg-faq summary{padding:20px 22px;cursor:pointer;font-weight:900;list-style:none}
.money-guide .mg-faq summary::-webkit-details-marker{display:none}
.money-guide .mg-faq summary:before{content:"Q";display:inline-grid;place-items:center;width:27px;height:27px;margin-right:12px;background:#111;color:#fff;font:900 12px/1 ui-monospace,monospace}
.money-guide .mg-faq details[open] summary:before{background:var(--mg-red)}
.money-guide .mg-faq p{margin:0;padding:0 22px 22px 61px;color:var(--mg-muted);font-size:14px}
.money-guide .mg-references{display:grid;grid-template-columns:1fr 1fr;gap:11px}
.money-guide .mg-ref{display:grid;grid-template-columns:74px 1fr 25px;gap:13px;align-items:center;padding:17px;border:1px solid var(--mg-line);background:#fff;color:#111}
.money-guide .mg-ref:hover{text-decoration:none;border-color:#111;transform:translateY(-1px)}
.money-guide .mg-ref-type{padding:7px 5px;background:#111;color:#fff;text-align:center;font:900 9px/1.2 ui-monospace,monospace;letter-spacing:.08em}
.money-guide .mg-ref strong{display:block;font-size:14px}
.money-guide .mg-ref small{display:block;margin-top:3px;color:var(--mg-muted);font-size:11px}
.money-guide .mg-final{padding:72px 0;background:var(--mg-black);color:#fff}
.money-guide .mg-final-grid{display:grid;grid-template-columns:220px 1fr;gap:48px}
.money-guide .mg-final h2{margin:0 0 19px;font-size:clamp(32px,4.8vw,57px);line-height:1.16;letter-spacing:-.045em}
.money-guide .mg-final blockquote{margin:0;padding:24px 26px;border-left:7px solid var(--mg-red);background:#141414;font-size:clamp(18px,2.3vw,25px);font-weight:900;line-height:1.7}
.money-guide .mg-final p{color:rgba(255,255,255,.68)}
.money-guide .mg-source-date{margin-top:15px;color:#777;font-size:11px;text-align:right}
@media(max-width:980px){
 .money-guide .mg-heading,.money-guide .mg-final-grid{grid-template-columns:1fr;gap:18px}
 .money-guide .mg-assumption-grid,.money-guide .mg-interactive-grid{grid-template-columns:1fr}
 .money-guide .mg-stage-toolbar{grid-template-columns:1fr}
 .money-guide .mg-model-switch{justify-content:flex-start}
 .money-guide .mg-panel{min-height:auto}
 .money-guide .mg-split-grid{grid-template-columns:1fr}
}
@media(max-width:760px){
 .money-guide .mg-shell{width:min(100% - 28px,1180px)}
 .money-guide .mg-hero{padding:62px 0 56px}
 .money-guide .mg-section{padding:61px 0}
 .money-guide .mg-stage{padding:18px}
 .money-guide .mg-step-switch{grid-template-columns:1fr 1fr}
 .money-guide .mg-money-flow{grid-template-columns:1fr;gap:9px;padding:10px 0}
 .money-guide .mg-flow-arrow{transform:rotate(90deg);font-size:24px}
 .money-guide .mg-flow-arrow small{transform:rotate(-90deg);margin:0 0 4px}
 .money-guide .mg-data-panel,.money-guide .mg-year-grid,.money-guide .mg-references{grid-template-columns:1fr}
 .money-guide .mg-data-list{grid-template-columns:1fr}
 .money-guide .mg-legal-strip{grid-template-columns:1fr;gap:8px}
 .money-guide .mg-law-table{display:block;overflow-x:auto;white-space:normal}
 .money-guide .mg-ref{grid-template-columns:64px 1fr 20px}
}
@media(max-width:480px){
 .money-guide .mg-step-switch{grid-template-columns:1fr}
 .money-guide .mg-journal-head,.money-guide .mg-journal-row{grid-template-columns:62px minmax(0,1fr) 78px;font-size:11px}
 .money-guide .mg-journal-head span,.money-guide .mg-journal-row span{padding:10px 8px}
 .money-guide .mg-balance-item{grid-template-columns:94px 1fr 47px}
}
@media(prefers-reduced-motion:reduce){.money-guide *{scroll-behavior:auto!important;transition:none!important}}


/* SEO/accessibility-friendly static accounting summary */
.mg-quick-reference{background:#fff}
.mg-quick-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));border:2px solid #111;background:#111;gap:1px}
.mg-quick-grid article{background:#fff;padding:30px;min-height:300px}
.mg-quick-grid article>span{font:900 10px/1.3 monospace;letter-spacing:.08em;color:#c4141f}
.mg-quick-grid h3{margin:28px 0 10px;font-size:28px;line-height:1.2}
.mg-quick-grid p{margin:0 0 24px;color:#646464;font-size:14px}
.mg-quick-grid dl{margin:0;border-top:1px solid #d8d8d5}
.mg-quick-grid dl>div{display:grid;grid-template-columns:54px 1fr;gap:14px;padding:13px 0;border-bottom:1px solid #d8d8d5}
.mg-quick-grid dt{font-weight:900;color:#c4141f}
.mg-quick-grid dd{margin:0;font-weight:800}
.mg-related-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.mg-related-grid a{position:relative;display:flex;min-height:220px;flex-direction:column;padding:28px;border:1px solid #111;background:#fff;text-decoration:none;color:#111;transition:.2s}
.mg-related-grid a:hover{transform:translateY(-4px);box-shadow:8px 8px 0 #c4141f}
.mg-related-grid span{font:900 10px monospace;color:#c4141f}
.mg-related-grid strong{margin:32px 40px 12px 0;font-size:22px;line-height:1.45}
.mg-related-grid small{color:#646464;line-height:1.8}
.mg-related-grid b{position:absolute;right:28px;top:50%;font-size:28px;color:#c4141f}
@media(max-width:760px){.mg-quick-grid,.mg-related-grid{grid-template-columns:1fr}.mg-quick-grid article{min-height:auto;padding:24px}.mg-related-grid a{min-height:190px}}