:root{
  --bg:#f7f8fb;
  --surface:#ffffff;
  --surface-2:#f0f3f8;
  --text:#172033;
  --muted:#647086;
  --line:#e2e7f0;
  --primary:#d71920;
  --primary-dark:#a90f15;
  --gold:#f2b544;
  --green:#15a46b;
  --blue:#2563eb;
  --shadow:0 16px 45px rgba(21,34,66,.08);
  --radius:18px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI","PingFang SC","Microsoft YaHei",Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.7}
a{color:inherit;text-decoration:none}
.container{width:min(1120px,calc(100% - 32px));margin:0 auto}
.site-header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.86);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px;gap:18px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:20px;letter-spacing:.2px}.logo-mark{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:10px;background:linear-gradient(135deg,var(--primary),#ff6b33);color:#fff;font-weight:900;box-shadow:0 8px 18px rgba(215,25,32,.22)}
.nav-links{display:flex;align-items:center;gap:4px;flex-wrap:wrap;justify-content:flex-end}.nav-links a{padding:8px 11px;color:#334155;border-radius:999px;font-size:14px}.nav-links a:hover,.nav-links a.active{background:#fff0f0;color:var(--primary)}
.hero{padding:68px 0 48px;background:radial-gradient(circle at 10% 10%,rgba(215,25,32,.10),transparent 32%),radial-gradient(circle at 88% 8%,rgba(242,181,68,.18),transparent 28%)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:32px;align-items:center}.eyebrow{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:999px;padding:7px 12px;color:var(--primary);font-weight:700;font-size:13px}.hero h1{font-size:clamp(36px,6vw,68px);line-height:1.08;margin:18px 0 18px;letter-spacing:-2px}.hero p{font-size:18px;color:var(--muted);max-width:710px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 18px;border-radius:12px;border:1px solid var(--line);background:#fff;color:var(--text);font-weight:700;cursor:pointer;transition:.2s}.btn:hover{transform:translateY(-1px);box-shadow:0 10px 26px rgba(21,34,66,.09)}.btn-primary{border-color:var(--primary);background:var(--primary);color:#fff}.btn-primary:hover{background:var(--primary-dark)}.btn-soft{background:#fff6e7;border-color:#ffdf9e;color:#8b5700}.hero-card{background:linear-gradient(180deg,#1f2937,#101827);color:#fff;border-radius:28px;padding:24px;box-shadow:0 24px 60px rgba(15,23,42,.22);position:relative;overflow:hidden}.hero-card:before{content:"";position:absolute;inset:-80px -120px auto auto;width:220px;height:220px;border-radius:999px;background:rgba(215,25,32,.45);filter:blur(24px)}.hero-card h3{position:relative;margin:0 0 16px;font-size:20px}.mini-metric{position:relative;display:flex;justify-content:space-between;gap:12px;border:1px solid rgba(255,255,255,.1);background:rgba(255,255,255,.06);border-radius:16px;padding:14px;margin:10px 0}.mini-metric span{color:rgba(255,255,255,.7);font-size:13px}.mini-metric strong{font-size:18px}.section{padding:54px 0}.section-title{display:flex;align-items:flex-end;justify-content:space-between;gap:20px;margin-bottom:24px}.section-title h2{font-size:30px;margin:0}.section-title p{margin:0;color:var(--muted);max-width:620px}.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.tool-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow);display:flex;flex-direction:column;min-height:218px}.tool-card .tag{display:inline-flex;width:max-content;background:#fff2f2;color:var(--primary);border-radius:999px;padding:3px 9px;font-size:12px;font-weight:700}.tool-card h3{margin:14px 0 8px;font-size:21px}.tool-card p{margin:0 0 18px;color:var(--muted);font-size:15px}.tool-card .btn{margin-top:auto;width:max-content}.scenario-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}.scenario{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px;color:#334155}.scenario strong{display:block;color:var(--primary);font-size:22px;margin-bottom:8px}.content-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}.warning{background:#fff7ed;border:1px solid #fed7aa;border-radius:var(--radius);padding:22px;color:#7c2d12}.page-hero{padding:44px 0 28px;background:linear-gradient(180deg,#fff,#f7f8fb)}.breadcrumbs{font-size:14px;color:var(--muted);margin-bottom:12px}.page-hero h1{font-size:clamp(30px,4vw,46px);margin:0 0 10px;line-height:1.18}.page-hero p{color:var(--muted);max-width:800px;font-size:17px}.layout{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:24px;align-items:start}.calculator{background:#fff;border:1px solid var(--line);border-radius:22px;padding:24px;box-shadow:var(--shadow)}.calc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.form-group label{display:block;font-weight:700;margin-bottom:7px}.form-group small{display:block;color:var(--muted);margin-top:4px}.input,.select{width:100%;padding:12px 13px;border-radius:12px;border:1px solid var(--line);font-size:16px;background:#fff}.input:focus,.select:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 4px rgba(215,25,32,.09)}.calc-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}.result-box{margin-top:20px;display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.result-item{background:var(--surface-2);border:1px solid var(--line);border-radius:15px;padding:15px}.result-item span{display:block;color:var(--muted);font-size:13px}.result-item strong{font-size:24px;display:block;margin-top:4px}.positive{color:var(--green)}.negative{color:var(--primary)}.side-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px;box-shadow:var(--shadow);margin-bottom:16px}.side-card h3{margin:0 0 12px}.side-links a{display:block;padding:9px 0;color:#334155;border-bottom:1px solid var(--line)}.side-links a:last-child{border-bottom:0}.prose{margin-top:24px}.prose h2{margin-top:28px}.prose p,.prose li{color:#44546a}.prose code{background:#f1f5f9;padding:2px 6px;border-radius:6px}.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 16px;margin:10px 0}.faq summary{font-weight:800;cursor:pointer}.table{width:100%;border-collapse:collapse;background:#fff;border-radius:14px;overflow:hidden}.table th,.table td{border-bottom:1px solid var(--line);padding:12px;text-align:left}.table th{background:#f8fafc;color:#475569}.footer{margin-top:40px;background:#0f172a;color:#cbd5e1;padding:34px 0}.footer-grid{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}.footer h3{margin:0 0 8px;color:#fff}.footer a{color:#e2e8f0;margin-right:16px}.muted{color:var(--muted)}.note{font-size:13px;color:var(--muted)}
@media(max-width:920px){.hero-grid,.layout{grid-template-columns:1fr}.tool-grid{grid-template-columns:repeat(2,1fr)}.scenario-grid{grid-template-columns:repeat(2,1fr)}.nav{height:auto;padding:14px 0;align-items:flex-start}.nav-links{justify-content:flex-start}.calc-grid,.result-box{grid-template-columns:1fr}}
@media(max-width:620px){.tool-grid,.scenario-grid{grid-template-columns:1fr}.hero{padding-top:40px}.section{padding:38px 0}.calculator{padding:18px}.nav-links a{font-size:13px;padding:6px 8px}.hero-actions .btn{width:100%}}