*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--teal:#0e7c6b;--teal-dark:#065f52;--teal-light:#e8f5f0;--amber:#e8a838;--amber-light:#fef7e6;--text:#1a2e35;--text2:#4a6670;--muted:#7a9aa5;--bg:#f8f6f1;--white:#fff;--cream:#faf8f3;--border:#e2ddd4;--border-l:#f0ece5;--sh-sm:0 1px 3px rgba(0,0,0,.06);--sh-md:0 4px 16px rgba(0,0,0,.08);--sh-lg:0 8px 32px rgba(0,0,0,.1);--r:10px;--rl:16px;--mw:1140px;--fb:'Source Sans 3','Segoe UI',sans-serif;--fh:'Playfair Display',Georgia,serif}
html{scroll-behavior:smooth}body{font-family:var(--fb);color:var(--text);background:var(--bg);line-height:1.7;font-size:16.5px;-webkit-font-smoothing:antialiased}
a{color:var(--teal);text-decoration:none;transition:color .2s}a:hover{color:var(--teal-dark)}img{max-width:100%;height:auto}
h1,h2,h3,h4{font-family:var(--fh);color:var(--text);line-height:1.3}h1{font-size:2.4rem;font-weight:700;margin-bottom:16px}h2{font-size:1.85rem;font-weight:700;margin-bottom:14px}h3{font-size:1.35rem;font-weight:600;margin-bottom:10px}p{margin-bottom:16px}
.container{max-width:var(--mw);margin:0 auto;padding:0 20px}.section{padding:56px 0}.section-alt{background:var(--cream)}
.disclaimer-bar{background:var(--amber-light);border-bottom:1px solid #e8d5a8;padding:10px 0;font-size:12.5px;color:#7a6520;text-align:center}
.navbar{background:var(--white);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100;box-shadow:var(--sh-sm)}.navbar .container{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{font-family:var(--fh);font-size:1.6rem;font-weight:700;color:var(--teal-dark);display:flex;align-items:center;gap:2px}.logo span{color:var(--amber)}
.nav-links{display:flex;gap:24px;list-style:none;align-items:center}.nav-links a{font-size:15px;font-weight:500;color:var(--text2);padding:6px 0;transition:color .2s}.nav-links a:hover{color:var(--teal)}
.dd{position:relative}.dd-menu{display:none;position:absolute;top:100%;left:-10px;background:var(--white);border:1px solid var(--border);border-radius:var(--r);box-shadow:var(--sh-md);min-width:220px;padding:8px 0;z-index:200}.dd:hover .dd-menu{display:block}.dd-menu a{display:block;padding:8px 18px;font-size:14px;color:var(--text2);border-bottom:1px solid var(--border-l)}.dd-menu a:last-child{border:none}.dd-menu a:hover{background:var(--teal-light);color:var(--teal-dark)}
.menu-toggle{display:none;background:none;border:none;cursor:pointer;padding:8px}.menu-toggle span{display:block;width:24px;height:2px;background:var(--text);margin:5px 0;transition:.3s}
.hero{background:linear-gradient(135deg,#0a6b5c,#0e7c6b 40%,#1a9e88);color:#fff;padding:72px 0 64px;position:relative;overflow:hidden}.hero::after{content:'';position:absolute;bottom:-2px;left:0;right:0;height:48px;background:var(--bg);clip-path:ellipse(55% 100% at 50% 100%)}.hero h1{color:#fff;font-size:2.5rem}.hero p{color:rgba(255,255,255,.88);font-size:1.12rem;max-width:620px;margin-bottom:28px}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}.hero-stats{display:flex;gap:32px;margin-top:16px}.hero-stat{text-align:center}.hero-stat .num{font-size:1.8rem;font-weight:700;color:var(--amber);display:block}.hero-stat .lbl{font-size:13px;color:rgba(255,255,255,.7)}
.card{background:var(--white);border-radius:var(--rl);border:1px solid var(--border-l);box-shadow:var(--sh-sm);padding:28px;transition:box-shadow .3s,transform .2s}.card:hover{box-shadow:var(--sh-md);transform:translateY(-2px)}.card-link{text-decoration:none;color:inherit;display:block;cursor:pointer}.card-desc{color:var(--text2);font-size:14.5px;margin-bottom:0}
.card-grid{display:grid;gap:24px}.card-grid-2{grid-template-columns:repeat(2,1fr)}.card-grid-3{grid-template-columns:repeat(3,1fr)}
.detail-hero{background:linear-gradient(135deg,#0a6b5c,#1a9e88);color:#fff;padding:48px 0 40px}.detail-hero h1{color:#fff}.breadcrumb{font-size:14px;color:rgba(255,255,255,.7);margin-bottom:12px}.breadcrumb a{color:rgba(255,255,255,.85)}
.info-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:16px;margin:24px 0}.info-box{background:rgba(255,255,255,.12);border-radius:var(--r);padding:16px;text-align:center}.info-box .val{font-size:1.3rem;font-weight:700;color:var(--amber);display:block}.info-box .lbl{font-size:12px;color:rgba(255,255,255,.75);margin-top:4px}
.content-area{max-width:800px;margin:0 auto;background:var(--white);border-radius:var(--rl);padding:40px;margin-top:-24px;position:relative;z-index:2;box-shadow:var(--sh-md)}.content-area h2{margin-top:32px}.content-area h2:first-child{margin-top:0}
.tip-box{background:var(--amber-light);border-left:4px solid var(--amber);border-radius:0 var(--r) var(--r) 0;padding:16px 20px;margin:20px 0}.tip-box strong{color:#9a7209}
.warning-box{background:#fff5f5;border-left:4px solid #e53e3e;border-radius:0 var(--r) var(--r) 0;padding:16px 20px;margin:20px 0}
.scheme-badge{display:inline-block;font-size:11px;font-weight:600;padding:3px 10px;border-radius:20px;background:var(--amber-light);color:#b8860b;margin-bottom:10px}
.scheme-card{background:var(--white);border-radius:var(--rl);border:1px solid var(--border-l);box-shadow:var(--sh-sm);padding:24px;cursor:pointer;transition:all .3s;text-decoration:none;color:inherit;display:block}.scheme-card:hover{box-shadow:var(--sh-md);border-color:var(--teal)}.scheme-icon{font-size:2.2rem;margin-bottom:10px}.scheme-rate{font-size:1.4rem;font-weight:700;color:var(--teal);margin:6px 0}.scheme-meta{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:12px;font-size:13px;color:var(--text2)}.scheme-meta dt{font-weight:600;color:var(--text)}
.calc-wrapper{display:grid;grid-template-columns:1fr 1fr;gap:36px;background:var(--white);border-radius:var(--rl);border:1px solid var(--border-l);box-shadow:var(--sh-md);padding:36px;margin:24px 0}.calc-input-group{margin-bottom:24px}.calc-label{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:8px}.calc-label span:first-child{font-size:14px;color:var(--text2);font-weight:500}.calc-value{font-size:15px;font-weight:700;color:var(--teal-dark);background:var(--teal-light);padding:3px 12px;border-radius:6px}
input[type="range"]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:3px;background:var(--border);outline:none;cursor:pointer}input[type="range"]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--teal);border:3px solid #fff;box-shadow:0 2px 6px rgba(0,0,0,.2);cursor:pointer;transition:transform .15s}input[type="range"]::-webkit-slider-thumb:hover{transform:scale(1.15)}input[type="range"]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--teal);border:3px solid #fff;box-shadow:0 2px 6px rgba(0,0,0,.2);cursor:pointer}
.calc-result-box{background:linear-gradient(135deg,var(--teal-light),#f0faf6);border-radius:var(--r);padding:28px;display:flex;flex-direction:column;justify-content:center}.result-row{display:flex;justify-content:space-between;align-items:baseline;padding:10px 0;border-bottom:1px solid rgba(14,124,107,.1)}.result-row:last-child{border:none}.result-label{font-size:14px;color:var(--text2)}.result-value{font-size:18px;font-weight:700;color:var(--teal-dark)}.result-value.highlight{font-size:22px;color:var(--teal)}
.bar-chart{margin:16px 0}.bar-row{margin-bottom:12px}.bar-label{display:flex;justify-content:space-between;font-size:13px;color:var(--text2);margin-bottom:4px}.bar-track{height:10px;background:var(--border-l);border-radius:5px;overflow:hidden}.bar-fill{height:100%;border-radius:5px;transition:width .5s ease-out}.bar-fill.teal{background:var(--teal)}.bar-fill.amber{background:var(--amber)}.bar-fill.red{background:#e8654a}
.info-table{width:100%;border-collapse:collapse;margin:20px 0}.info-table th,.info-table td{padding:12px 16px;text-align:left;border-bottom:1px solid var(--border-l)}.info-table th{background:var(--teal-light);color:var(--teal-dark);font-weight:600;font-size:13px;text-transform:uppercase;letter-spacing:.5px}.info-table td{font-size:14.5px}.info-table tr:hover td{background:var(--cream)}
.ad-zone{background:var(--cream);border:1px dashed var(--border);border-radius:var(--r);padding:20px;text-align:center;color:var(--muted);font-size:13px;margin:28px 0;min-height:90px;display:flex;align-items:center;justify-content:center}
.article-tile{background:var(--white);border-radius:var(--rl);border:1px solid var(--border-l);box-shadow:var(--sh-sm);overflow:hidden;cursor:pointer;transition:all .3s;text-decoration:none;color:inherit;display:block}.article-tile:hover{box-shadow:var(--sh-md);transform:translateY(-3px)}.article-thumb{height:150px;display:flex;align-items:center;justify-content:center;font-size:3.2rem}.at1{background:linear-gradient(135deg,#e8f5f0,#c7ece2)}.at4{background:linear-gradient(135deg,#e6f0fa,#c5ddf5)}.at5{background:linear-gradient(135deg,#fce8e6,#f5c5c0)}.at6{background:linear-gradient(135deg,#e8f5f0,#d5f0e8)}.article-body{padding:20px 22px 22px}.article-meta{display:flex;gap:12px;align-items:center;margin-bottom:10px;font-size:12px}.art-time{color:var(--muted);font-weight:500}.article-body h3{font-size:1.12rem;margin-bottom:8px;line-height:1.35;font-family:var(--fh)}.article-body p{font-size:14px;color:var(--text2);margin-bottom:0;line-height:1.6;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}.article-cta{display:inline-flex;align-items:center;gap:4px;color:var(--teal);font-weight:600;font-size:14px;margin-top:12px}
.tag{display:inline-block;padding:4px 12px;border-radius:20px;font-size:12px;font-weight:600}.tag-teal{background:var(--teal-light);color:var(--teal-dark)}.tag-amber{background:var(--amber-light);color:#9a7209}
.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 28px;border-radius:8px;font-weight:600;font-size:15px;border:none;cursor:pointer;transition:all .25s;font-family:var(--fb);text-decoration:none}.btn-primary{background:var(--amber);color:#1a2e35}.btn-primary:hover{background:#d49a2e;transform:translateY(-1px)}.btn-outline{background:transparent;border:2px solid rgba(255,255,255,.4);color:#fff}.btn-outline:hover{background:rgba(255,255,255,.1);border-color:#fff}.btn-teal{background:var(--teal);color:#fff}.btn-teal:hover{background:var(--teal-dark)}
.section-head{text-align:center;margin-bottom:40px}.section-head h2{margin-bottom:10px}.section-head p{color:var(--text2);max-width:560px;margin:0 auto}.section-head .line{width:48px;height:3px;background:var(--amber);margin:14px auto 0;border-radius:2px}
.faq-item{border:1px solid var(--border-l);border-radius:var(--r);margin-bottom:10px;overflow:hidden}.faq-q{width:100%;padding:16px 20px;border:none;background:var(--white);cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-size:15px;font-weight:600;font-family:var(--fb);color:var(--text);text-align:left;transition:background .2s}.faq-q:hover{background:var(--cream)}.faq-a{display:none;padding:0 20px 16px;font-size:14.5px;color:var(--text2);line-height:1.7}.faq-item.open .faq-a{display:block}.faq-item.open .faq-arrow{transform:rotate(45deg)}.faq-arrow{transition:transform .2s;font-size:20px}
.footer{background:var(--text);color:rgba(255,255,255,.7);padding:48px 0 24px;margin-top:48px}.footer h4{color:#fff;font-size:1rem;margin-bottom:14px;font-family:var(--fb)}.footer a{color:rgba(255,255,255,.65);font-size:14px}.footer a:hover{color:var(--amber)}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:36px}.footer-links{display:flex;flex-direction:column;gap:8px}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:36px;padding-top:20px;display:flex;justify-content:space-between;align-items:center;font-size:13px}
.back-to-top{position:fixed;bottom:24px;right:24px;background:var(--teal);color:#fff;width:44px;height:44px;border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:var(--sh-md);cursor:pointer;font-size:20px;border:none;z-index:50;transition:opacity .3s,transform .3s;opacity:0;pointer-events:none}.back-to-top:hover{transform:translateY(-3px)}
@media(max-width:900px){.hero-grid,.calc-wrapper,.footer-grid{grid-template-columns:1fr}.card-grid-3{grid-template-columns:1fr 1fr}h1{font-size:1.9rem}.hero{padding:48px 0 40px}.hero h1{font-size:2rem}}
@media(max-width:640px){.card-grid-2,.card-grid-3{grid-template-columns:1fr}.nav-links{display:none}.nav-links.open{display:flex;flex-direction:column;position:absolute;top:64px;left:0;right:0;background:var(--white);padding:20px;box-shadow:var(--sh-lg);gap:12px;z-index:200}.nav-links.open .dd-menu{position:static;box-shadow:none;border:none;padding-left:12px;display:block}.menu-toggle{display:block}.calc-wrapper{padding:20px;gap:24px}.hero-stats{flex-direction:column;gap:12px}.content-area{padding:24px}.footer-grid{grid-template-columns:1fr 1fr}.footer-bottom{flex-direction:column;gap:10px;text-align:center}.info-grid{grid-template-columns:1fr 1fr}}