.deposit-guidance {
  --deposit-bg: #101011;
  --deposit-panel: #171718;
  --deposit-gold: #c2a878;
  --deposit-gold-soft: #d8c49b;
  --deposit-text: #f1eee7;
  --deposit-muted: #aaa59c;
  --deposit-line: rgba(194, 168, 120, .28);
  background: var(--deposit-bg);
  color: var(--deposit-text);
  border-top: 1px solid #292721;
  border-bottom: 1px solid #292721;
  padding: clamp(64px, 8vw, 104px) clamp(18px, 5vw, 64px);
}

.deposit-guidance-inner {
  width: min(1120px, 100%);
  margin: 0 auto;
}

.deposit-guidance-head {
  display: grid;
  grid-template-columns: minmax(0, .8fr) minmax(280px, 1.2fr);
  gap: clamp(24px, 5vw, 72px);
  align-items: end;
  margin-bottom: 36px;
}

.deposit-kicker {
  color: var(--deposit-gold);
  font: 600 .7rem/1.5 system-ui, sans-serif;
  letter-spacing: .22em;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.deposit-guidance h2 {
  color: var(--deposit-text);
  font-size: clamp(1.9rem, 4vw, 3.25rem);
  font-weight: 500;
  line-height: 1.2;
  letter-spacing: 0;
  margin: 0;
}

.deposit-guidance-head > p {
  color: var(--deposit-muted);
  line-height: 1.9;
  margin: 0;
}

.deposit-region-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.deposit-region-card {
  min-width: 0;
  padding: clamp(24px, 3vw, 36px);
  background: var(--deposit-panel);
  border: 1px solid var(--deposit-line);
  border-top: 2px solid var(--deposit-gold);
}

.deposit-region-label {
  color: var(--deposit-gold);
  font: 600 .68rem/1.5 system-ui, sans-serif;
  letter-spacing: .18em;
  text-transform: uppercase;
}

.deposit-region-card h3 {
  color: var(--deposit-text);
  font-size: clamp(1.25rem, 2.4vw, 1.7rem);
  font-weight: 500;
  line-height: 1.35;
  margin: 12px 0 18px;
}

.deposit-region-card p,
.deposit-region-card li {
  color: var(--deposit-muted);
  font-size: .95rem;
  line-height: 1.85;
}

.deposit-region-card p {
  margin: 0 0 12px;
}

.deposit-region-card p:last-child {
  margin-bottom: 0;
}

.deposit-methods {
  list-style: none;
  padding: 0;
  margin: 0 0 18px;
  display: grid;
  gap: 8px;
}

.deposit-methods li {
  position: relative;
  padding-left: 18px;
}

.deposit-methods li::before {
  content: '';
  position: absolute;
  left: 0;
  top: .78em;
  width: 7px;
  height: 1px;
  background: var(--deposit-gold);
}

.deposit-badge {
  display: inline-block;
  margin-top: 4px;
  padding: 6px 10px;
  border: 1px solid var(--deposit-line);
  color: var(--deposit-gold-soft);
  font: 600 .7rem/1.4 system-ui, sans-serif;
  letter-spacing: .08em;
}

.deposit-notice {
  margin-top: 18px;
  padding: 20px clamp(18px, 3vw, 28px);
  border-left: 3px solid var(--deposit-gold);
  background: rgba(194, 168, 120, .08);
}

.deposit-notice p {
  color: var(--deposit-muted);
  font-size: .9rem;
  line-height: 1.8;
  margin: 0;
}

.deposit-notice p + p {
  margin-top: 6px;
}

.deposit-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 24px;
}

.deposit-action {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 12px 20px;
  border: 1px solid var(--deposit-gold);
  color: var(--deposit-gold-soft);
  font: 600 .76rem/1.4 system-ui, sans-serif;
  letter-spacing: .06em;
  text-decoration: none;
}

.deposit-action.primary {
  background: var(--deposit-gold);
  color: #111;
}

.deposit-action:hover,
.deposit-action:focus-visible {
  outline: 2px solid var(--deposit-gold-soft);
  outline-offset: 3px;
}

.insurance-card {
  margin-top: clamp(36px, 5vw, 56px);
  padding: clamp(26px, 4vw, 42px);
  background: var(--deposit-panel);
  border: 1px solid var(--deposit-line);
  border-top: 2px solid var(--deposit-gold);
}

.insurance-card .entity-tag {
  color: var(--deposit-gold);
  font: 600 .68rem/1.5 system-ui, sans-serif;
  letter-spacing: .18em;
}

.insurance-card h3 {
  color: var(--deposit-text);
  font-size: clamp(1.35rem, 2.8vw, 2rem);
  font-weight: 500;
  line-height: 1.4;
  margin: 12px 0 22px;
}

.insurance-copy {
  display: grid;
  gap: 10px;
}

.insurance-copy p {
  color: var(--deposit-muted);
  font-size: .94rem;
  line-height: 1.85;
  margin: 0;
}

.insurance-copy .insurance-requirement {
  margin-top: 6px;
  padding: 14px 16px;
  color: var(--deposit-text);
  border-left: 3px solid var(--deposit-gold);
  background: rgba(194, 168, 120, .08);
}

.insurance-card .btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  margin-top: 24px;
  padding: 12px 20px;
  border: 1px solid var(--deposit-gold);
  color: var(--deposit-gold-soft);
  font: 600 .76rem/1.4 system-ui, sans-serif;
  letter-spacing: .06em;
  text-decoration: none;
}

.insurance-card .btn:hover,
.insurance-card .btn:focus-visible {
  outline: 2px solid var(--deposit-gold-soft);
  outline-offset: 3px;
}

.deposit-guidance--compact {
  padding-top: clamp(56px, 7vw, 84px);
  padding-bottom: clamp(56px, 7vw, 84px);
}

.deposit-guidance--compact .deposit-guidance-head {
  margin-bottom: 28px;
}

.deposit-guidance--compact .deposit-region-card {
  padding: clamp(22px, 3vw, 30px);
}

.deposit-faq-actions {
  margin-top: 20px;
}

@media (max-width: 720px) {
  .deposit-guidance-head,
  .deposit-region-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .deposit-guidance-head {
    align-items: start;
  }

  .deposit-actions {
    display: grid;
    grid-template-columns: minmax(0, 1fr);
  }

  .deposit-action {
    width: 100%;
  }

  .insurance-card .btn {
    width: 100%;
  }
}