:root{--navy: #0f3d5e;--navy-light: #1a5a82;--navy-dark: #082941;--emerald: #10b981;--emerald-light: #34d399;--emerald-dark: #059669;--amber: #f59e0b;--red: #ef4444;--bg: #f8fafc;--surface: #ffffff;--text: #1e293b;--text-secondary: #475569;--text-muted: #94a3b8;--border: #e2e8f0;--border-dark: #cbd5e1;--radius-sm: 6px;--radius: 12px;--radius-lg: 16px;--shadow-sm: 0 1px 3px rgba(0,0,0,.08);--shadow: 0 4px 16px rgba(0,0,0,.06);--shadow-lg: 0 12px 40px rgba(0,0,0,.1);--shadow-xl: 0 20px 60px rgba(15,61,94,.15);--max-width: 1140px;--header-height: 64px;--font-sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;--font-mono: "SF Mono", "Fira Code", Consolas, 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auto;display:flex;align-items:center;justify-content:space-between;padding:0 24px;height:var(--header-height)}.logo{display:flex;align-items:center;gap:8px;font-size:1.3rem;font-weight:800;color:#fff;letter-spacing:-.03em}.logo:hover{color:#fff}.logo-icon{width:32px;height:32px;background:var(--emerald);border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:1.1rem;color:var(--navy-dark);font-weight:900}.logo-text span{color:var(--emerald-light)}.main-nav{display:flex;gap:2px;list-style:none;align-items:center}.main-nav a{color:#fffc;font-size:.9rem;font-weight:500;padding:8px 12px;border-radius:var(--radius-sm);transition:all .15s}.main-nav a:hover{background:#ffffff1a;color:#fff}.main-nav a.active{background:#10b98133;color:#fff}.nav-toggle{display:none;background:none;border:none;color:#fff;font-size:1.5rem;cursor:pointer;padding:4px}.theme-toggle{background:#ffffff1a;border:1px solid rgba(255,255,255,.15);color:#fff;width:34px;height:34px;border-radius:50%;cursor:pointer;font-size:.95rem;line-height:1;display:flex;align-items:center;justify-content:center;margin-left:8px;flex-shrink:0;transition:background .15s}.theme-toggle:hover{background:#fff3}.hero{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 40%,var(--navy-light) 100%);color:#fff;padding:64px 24px 56px;text-align:center;position:relative;overflow:hidden}.hero:before{content:"";position:absolute;top:-50%;right:-10%;width:500px;height:500px;background:radial-gradient(circle,rgba(16,185,129,.12) 0%,transparent 70%);border-radius:50%}.hero-content{position:relative;max-width:720px;margin:0 auto}.hero h1{color:#fff;margin-bottom:16px}.hero p{font-size:1.15rem;opacity:.9;margin-bottom:32px;max-width:560px;margin-left:auto;margin-right:auto}.hero-cta{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}.hero-badges{display:flex;gap:8px;justify-content:center;flex-wrap:wrap;margin-top:28px}.hero-badge{background:#ffffff1a;border:1px solid rgba(255,255,255,.15);padding:6px 16px;border-radius:20px;font-size:.82rem;font-weight:500}.btn{display:inline-flex;align-items:center;gap:6px;padding:12px 28px;border-radius:var(--radius-sm);font-weight:600;font-size:.95rem;border:none;cursor:pointer;transition:all .15s;text-decoration:none;white-space:nowrap}.btn-primary{background:var(--emerald);color:#fff}.btn-primary:hover{background:var(--emerald-dark);color:#fff;transform:translateY(-1px);box-shadow:0 4px 12px #10b9814d}.btn-outline{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.3)}.btn-outline:hover{border-color:#fff;color:#fff}.btn-lg{padding:14px 32px;font-size:1rem}.section{padding:56px 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h3{font-size:1.15rem;margin-bottom:8px}.calc-card p{font-size:.9rem;color:var(--text-secondary);margin-bottom:20px;flex:1}.calc-card .card-link{font-weight:600;font-size:.9rem;color:var(--emerald-dark);display:inline-flex;align-items:center;gap:4px}.calc-page{padding:40px 0 56px}.calc-layout{display:grid;grid-template-columns:1fr 300px;gap:32px;align-items:start}.calc-main{background:var(--surface);border-radius:var(--radius);box-shadow:var(--shadow);padding:36px;border:1px solid var(--border)}.calc-sidebar{display:flex;flex-direction:column;gap:24px;position:sticky;top:calc(var(--header-height) + 16px)}.breadcrumb{font-size:.85rem;color:var(--text-muted);margin-bottom:16px}.breadcrumb a{color:var(--text-secondary)}.breadcrumb span{margin:0 6px}.page-title{margin-bottom:8px}.page-desc{color:var(--text-secondary);margin-bottom:32px;font-size:1.05rem}.calc-form{display:grid;gap:20px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}.form-group 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.value{font-size:1.6rem;font-weight:800;color:var(--navy);font-variant-numeric:tabular-nums}.result-card.highlight{background:linear-gradient(135deg,#ecfdf5,#d1fae5);border-color:var(--emerald-light)}.result-card.highlight .value{color:var(--emerald-dark)}.result-card.alert .value{color:var(--red)}.table-section{margin-top:28px}.table-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}.table-header h3{font-size:1.1rem}.table-toggle{font-size:.85rem;color:var(--emerald-dark);cursor:pointer;background:none;border:none;font-weight:600}.table-wrap{overflow-x:auto;border-radius:var(--radius-sm);border:1px solid var(--border);max-height:400px;overflow-y:auto}table.amort-table{width:100%;border-collapse:collapse;font-size:.85rem}table.amort-table th{background:var(--navy);color:#fff;padding:10px 14px;text-align:left;font-weight:600;position:sticky;top:0;z-index:1}table.amort-table td{padding:8px 14px;border-bottom:1px solid var(--border);font-variant-numeric:tabular-nums}table.amort-table tr:nth-child(2n) td{background:var(--bg)}table.amort-table tr:hover td{background:#e0f2fe}.info-section{margin-top:48px;padding-top:40px;border-top:1px solid var(--border)}.info-section h2{font-size:1.4rem;margin-bottom:16px;margin-top:32px}.info-section h2:first-child{margin-top:0}.info-section p{color:var(--text-secondary);margin-bottom:16px;line-height:1.75}.info-section ul,.info-section ol{margin-bottom:16px;padding-left:24px}.info-section li{margin-bottom:8px;color:var(--text-secondary)}.info-section strong{color:var(--text)}.info-section table{width:100%;border-collapse:collapse;margin:20px 0;font-size:.9rem}.info-section th{background:var(--navy);color:#fff;padding:10px 14px;text-align:left;font-weight:600}.info-section td{padding:10px 14px;border-bottom:1px solid var(--border);color:var(--text-secondary)}.info-section tr:nth-child(2n) td{background:var(--bg)}.info-section blockquote{border-left:4px solid var(--emerald);background:#ecfdf5;padding:16px 20px;border-radius:0 var(--radius-sm) var(--radius-sm) 0;margin:24px 0}.info-section blockquote p{margin-bottom:0}.faq-section{margin-top:40px}.faq-section h2{margin-bottom:20px}.faq-item{border-bottom:1px solid var(--border)}.faq-item summary{font-weight:600;cursor:pointer;font-size:1.02rem;color:var(--navy);padding:18px 0;list-style:none;display:flex;justify-content:space-between;align-items:center;transition:color .15s}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";font-size:1.3rem;color:var(--emerald);font-weight:400;transition:transform .2s}.faq-item[open] summary:after{transform:rotate(45deg)}.faq-item summary:hover{color:var(--emerald-dark)}.faq-item p{padding:0 0 18px;color:var(--text-secondary)}.ad-slot{background:#f1f5f9;border:1px dashed 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24px;margin-top:auto}.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr 1fr;gap:32px;margin-bottom:32px}.footer-brand h4{color:#fff;font-size:1.2rem;margin-bottom:12px;display:flex;align-items:center;gap:8px}.footer-brand p{font-size:.88rem;line-height:1.6;max-width:300px}.footer-col h5{color:#fff;font-size:.95rem;margin-bottom:14px;font-weight:600}.footer-col ul{list-style:none}.footer-col li{margin-bottom:8px}.footer-col a{color:#fff9;font-size:.88rem}.footer-col a:hover{color:var(--emerald-light)}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:24px;text-align:center;font-size:.82rem;color:#fff6}.footer-bottom a{color:#ffffff80}.content-page{padding:48px 0}.content-page h1{margin-bottom:8px}.content-page .lead{font-size:1.1rem;color:var(--text-secondary);margin-bottom:32px}.prose{max-width:760px}.prose h2{font-size:1.3rem;margin:32px 0 12px}.prose h3{font-size:1.1rem;margin:24px 0 10px}.prose p{margin-bottom:16px;color:var(--text-secondary);line-height:1.75}.prose ul,.prose ol{margin-bottom:16px;padding-left:24px}.prose li{margin-bottom:8px;color:var(--text-secondary)}.contact-form{max-width:560px}.contact-form .form-group{margin-bottom:20px}textarea.form-control{min-height:140px;resize:vertical}.blog-hero{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 40%,var(--navy-light) 100%);color:#fff;padding:56px 0 48px;text-align:center;margin-bottom:48px}.blog-hero h1{color:#fff;margin-bottom:12px}.blog-hero p{font-size:1.1rem;opacity:.9;max-width:560px;margin:0 auto}.blog-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(340px,1fr));gap:28px;padding-bottom:56px}.blog-card{background:var(--surface);border-radius:var(--radius);box-shadow:var(--shadow);border:1px solid var(--border);padding:28px 24px;display:flex;flex-direction:column;transition:all 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0;font-size:.9rem}.article-content th{background:var(--navy);color:#fff;padding:10px 14px;text-align:left;font-weight:600}.article-content td{padding:10px 14px;border-bottom:1px solid var(--border);color:var(--text-secondary)}.article-content tr:nth-child(2n) td{background:var(--bg)}.article-cta{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 100%);color:#fff;border-radius:var(--radius);padding:32px;text-align:center;margin:40px 0}.article-cta h3{color:#fff;margin-bottom:8px}.article-cta p{opacity:.9;margin-bottom:20px}.sidebar-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:24px 20px;box-shadow:var(--shadow-sm)}.sidebar-card h4{font-size:1rem;margin-bottom:16px;padding-bottom:12px;border-bottom:2px solid var(--border)}.sidebar-card ul{list-style:none}.sidebar-card li{margin-bottom:14px}.sidebar-card li a{display:flex;flex-direction:column;gap:2px}.sidebar-card li strong{font-size:.9rem;color:var(--navy)}.sidebar-card li span{font-size:.8rem;color:var(--text-muted)}.sidebar-card li a:hover strong{color:var(--emerald-dark)}@media (max-width: 1000px){.footer-grid{grid-template-columns:1.6fr 1fr 1fr}}@media (max-width: 900px){.calc-layout{grid-template-columns:1fr}.calc-sidebar{display:none}.article-layout{grid-template-columns:1fr}.article-sidebar{display:none}}@media (max-width: 640px){.main-nav{display:none;position:absolute;top:var(--header-height);left:0;right:0;background:var(--navy);flex-direction:column;padding:12px;gap:0}.main-nav.open{display:flex}.main-nav a{padding:12px 16px;border-radius:0;border-bottom:1px solid rgba(255,255,255,.08)}.nav-toggle{display:block}.form-row{grid-template-columns:1fr}.calc-main{padding:24px 20px}.hero{padding:40px 20px 36px}.footer-grid{grid-template-columns:1fr;gap:24px}.result-grid{grid-template-columns:1fr 1fr}.hero-cta{flex-direction:column;align-items:center}.hero-cta 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