.scems-guidelines {
  --scems-guidelines-navy: #183e60;
  --scems-guidelines-red: #df4748;
  --scems-guidelines-border: #dce5ec;
  color: #3b4a58;
  font-size: 1rem;
  line-height: 1.8;
  width: 100%;
  min-width: 0;
  max-width: 1120px;
  margin: 0 auto;
  padding-top: 2.5rem;
  overflow-wrap: anywhere;
}
.scems-guidelines *, .scems-guidelines *::before, .scems-guidelines *::after { box-sizing: border-box; }
.scems-guidelines p { margin: 0 0 1.1rem; }
.scems-guidelines a { color: #174c77; text-underline-offset: 0.2em; }
.scems-guidelines a:hover { color: #b52f37; }
.scems-guidelines a:focus-visible, .scems-guidelines-table-scroll:focus-visible {
  outline: 3px solid #397aab;
  outline-offset: 4px;
}
.scems-guidelines strong { font-weight: 700; }
.scems-guidelines-underline { text-decoration: underline; text-underline-offset: 0.15em; }
.scems-guidelines-title {
  color: var(--scems-guidelines-navy);
  font-size: clamp(1.4rem, 2.2vw, 1.85rem);
  line-height: 1.35;
  margin: 0 0 0.8rem;
}
.scems-guidelines-heading {
  color: var(--scems-guidelines-navy);
  font-size: clamp(1.2rem, 1.8vw, 1.5rem);
  line-height: 1.45;
  margin: 2.7rem 0 1.25rem;
  padding: 0.2rem 0 0.85rem;
  border-bottom: 1px solid var(--scems-guidelines-border);
}
.scems-guidelines-summary {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
  margin: 1.8rem 0 1.8rem;
}
.scems-guidelines-summary > div {
  background: #f2f6fa;
  border: 1px solid var(--scems-guidelines-border);
  border-top: 3px solid #295579;
  border-radius: 0.4rem;
  padding: 1.15rem 1.2rem;
  min-width: 0;
}
.scems-guidelines-summary dt { color: var(--scems-guidelines-navy); font-size: 0.95rem; margin-bottom: 0.45rem; }
.scems-guidelines-summary dd { font-size: 1.05rem; margin: 0; }
.scems-guidelines-list { padding-left: 1.35rem; margin: 0 0 1.4rem; }
.scems-guidelines-list li { padding-left: 0.25rem; margin-bottom: 0.7rem; }
.scems-guidelines-numbered { padding-left: 1.9rem; text-indent: -1.9rem; }
.scems-guidelines-callout {
  border-left: 4px solid #cd434b;
  background: #fff4f2;
  border-radius: 0 0.35rem 0.35rem 0;
  color: #6d3339;
  padding: 1.1rem 1.3rem;
  margin: 1.5rem 0;
}
.scems-guidelines-callout p { margin: 0; }
.scems-guidelines-template-links { display: flex; flex-wrap: wrap; gap: 0.75rem 1.6rem; margin: 1rem 0 1.6rem; }
.scems-guidelines-template-links a { font-weight: 700; }
.scems-guidelines-action-row { display: flex; justify-content: flex-end; margin: 0 0 1.6rem; }
.scems-guidelines-header { display: flex; justify-content: space-between; align-items: center; gap: 1.5rem; margin-bottom: 1.4rem; }
.scems-guidelines-header .scems-guidelines-title { margin: 0; }
.scems-guidelines-header .scems-guidelines-action-row { margin: 0; flex-shrink: 0; }
.scems-guidelines-submit-row { margin: 1.1rem 0 1.5rem; }
.scems-guidelines .scems-guidelines-action {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 58px;
  padding: 1rem 2.4rem;
  border: 0;
  border-radius: 100px;
  background: var(--scems-guidelines-red);
  color: #fff;
  font: inherit;
  font-weight: 700;
  font-size: 1rem;
  letter-spacing: 0.08em;
  line-height: 1.4;
  text-decoration: none;
  text-align: center;
}
.scems-guidelines .scems-guidelines-action:hover { background: #c6383d; color: #fff; }
.scems-guidelines .scems-guidelines-action:disabled,
.scems-guidelines .scems-guidelines-action:disabled:hover {
  opacity: 1;
  background: var(--scems-guidelines-red);
  color: #fff;
  cursor: default;
}
.scems-guidelines-table-scroll {
  width: 100%;
  max-width: 100%;
  min-width: 0;
  overflow-x: auto;
  overscroll-behavior-x: contain;
  border: 1px solid var(--scems-guidelines-border);
  border-radius: 0.4rem;
  margin: 1.2rem 0 1.5rem;
}
.scems-guidelines-table {
  width: 100%;
  border-collapse: collapse;
  color: #354657;
  font-size: 0.96rem;
  line-height: 1.6;
}
.scems-guidelines-table th, .scems-guidelines-table td {
  padding: 1rem 1.1rem;
  text-align: left;
  vertical-align: middle;
  border-bottom: 1px solid var(--scems-guidelines-border);
  border-right: 1px solid var(--scems-guidelines-border);
}
.scems-guidelines-table tr > :last-child { border-right: 0; }
.scems-guidelines-table tbody tr:last-child > * { border-bottom: 0; }
.scems-guidelines-table thead th { background: #183e60; color: #fff; font-weight: 700; }
.scems-guidelines-table tbody th { color: var(--scems-guidelines-navy); background: #f4f7fa; font-weight: 700; }
.scems-guidelines-table tbody td { background: #fff; }
.scems-guidelines-table-fees { min-width: 760px; }
.scems-guidelines-table-fees th:first-child { width: 25%; }
.scems-guidelines-table-fees thead th:nth-child(2), .scems-guidelines-table-fees thead th:nth-child(3) { width: 21%; }
.scems-guidelines-table-extras { min-width: 610px; }
.scems-guidelines-table-extras th:first-child { width: 25%; }
.scems-guidelines-table-refund { min-width: 430px; }
.scems-guidelines-table-refund th:first-child { width: 48%; }
@media (max-width: 767px) {
  .scems-guidelines { font-size: 0.96rem; line-height: 1.75; }
  .scems-guidelines-summary { grid-template-columns: 1fr; gap: 0.75rem; }
  .scems-guidelines-summary > div { padding: 0.95rem 1.05rem; }
  .scems-guidelines-heading { margin-top: 2rem; }
  .scems-guidelines-header { align-items: flex-start; flex-direction: column; gap: 1rem; }
  .scems-guidelines-action-row { margin-bottom: 1.4rem; }
  .scems-guidelines .scems-guidelines-action { min-height: 54px; padding: 0.95rem 1.9rem; }
  .scems-guidelines-callout { padding: 1rem 1.05rem; }
  .scems-guidelines-table th, .scems-guidelines-table td { padding: 0.85rem 0.9rem; }
}