:root{--brand: #0a5c36;--brand-dark: #063d24;--accent: #e8a723;--ink: #1c2321;--muted: #5b6b64;--line: #e2e8e4;--bg: #ffffff;--bg-soft: #f4f7f5;--radius: 10px;--wrap: 1080px;--font: system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}a{color:var(--brand);text-decoration:none}a:hover{text-decoration:underline}h1,h2,h3{line-height:1.2;color:var(--ink)}h1{font-size:clamp(1.9rem,4vw,2.6rem)}h2{font-size:1.5rem;margin-top:2.2rem}img{max-width:100%;height:auto}.site-header{border-bottom:1px solid var(--line);background:var(--bg);position:sticky;top:0;z-index:50}.site-header .bar{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:14px 0}.brand{font-weight:800;font-size:1.35rem;color:var(--brand);text-decoration:none}.brand span{color:var(--accent)}.nav{display:flex;flex-wrap:wrap;gap:2px 4px;align-items:center}.nav a{padding:8px 12px;border-radius:8px;color:var(--ink);font-size:.95rem;font-weight:500}.nav a:hover{background:var(--bg-soft);text-decoration:none}.nav a.cta{background:var(--brand);color:#fff;font-weight:700}.nav a.cta:hover{background:var(--brand-dark)}.nav-toggle{display:none}.hero{background:linear-gradient(135deg,var(--brand),var(--brand-dark));color:#fff;padding:3.5rem 0}.hero h1{color:#fff}.hero p{font-size:1.2rem;opacity:.95;max-width:640px}.hero .btns{margin-top:1.5rem;display:flex;gap:12px;flex-wrap:wrap}.btn{display:inline-block;padding:12px 22px;border-radius:8px;font-weight:700;border:2px solid transparent;cursor:pointer}.btn-primary{background:var(--accent);color:#1c1300}.btn-primary:hover{filter:brightness(1.05);text-decoration:none}.btn-ghost{border-color:#fff9;color:#fff}.btn-ghost:hover{background:#ffffff1f;text-decoration:none}main{padding:2.5rem 0 3.5rem}.lead{font-size:1.15rem;color:var(--muted)}.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}.card{border:1px solid var(--line);border-radius:var(--radius);padding:20px;background:var(--bg)}.card h3{margin-top:0}.badge{display:inline-block;font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.04em;color:var(--brand);background:var(--bg-soft);padding:3px 10px;border-radius:999px}.prose p,.prose li{color:#33403a}.prose{max-width:760px}.notice{background:var(--bg-soft);border-left:4px solid var(--accent);padding:14px 18px;border-radius:6px;margin:1.5rem 0;font-size:.96rem}.tool{border:1px solid var(--line);border-radius:var(--radius);padding:24px;background:var(--bg-soft)}.field{margin-bottom:16px}.field label{display:block;font-weight:600;margin-bottom:6px;font-size:.95rem}.field input,.field select,.field textarea{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:8px;font:inherit;background:#fff}.form-row{display:grid;gap:16px;grid-template-columns:1fr 1fr}.result-grid{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));margin:1.4rem 0}.stat{background:#fff;border:1px solid var(--line);border-radius:8px;padding:14px;text-align:center}.stat .v{font-size:1.5rem;font-weight:800;color:var(--brand)}.stat .k{font-size:.82rem;color:var(--muted)}.table-scroll{overflow-x:auto}table.amort{width:100%;border-collapse:collapse;font-size:.9rem}table.amort th,table.amort td{padding:8px 10px;border-bottom:1px solid var(--line);text-align:right}table.amort th:first-child,table.amort td:first-child{text-align:left}table.amort thead th{background:var(--brand);color:#fff;position:sticky;top:0}.post{border-bottom:1px solid var(--line);padding:1.4rem 0}.post h2{margin:0 0 .3rem;font-size:1.35rem}.post .meta{color:var(--muted);font-size:.85rem}.site-footer{background:var(--brand-dark);color:#cfe3d8;padding:2.5rem 0 2rem;margin-top:2rem;font-size:.9rem}.site-footer a{color:#fff}.site-footer .cols{display:grid;gap:24px;grid-template-columns:2fr 1fr 1fr}.disclosure{border-top:1px solid rgba(255,255,255,.15);margin-top:1.6rem;padding-top:1.2rem;font-size:.82rem;opacity:.85}@media (max-width: 720px){.nav{display:none;width:100%;flex-direction:column;align-items:stretch}.nav.open{display:flex}.nav-toggle{display:block;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font-size:1.1rem;cursor:pointer}.site-header .bar{flex-wrap:wrap}.form-row,.site-footer .cols{grid-template-columns:1fr}}