:root{
  --bg:#faf9f7;
  --ink:#16150f;
  --muted:#6b675e;
  --line:#e3dfd6;
  --accent:#b03a2e;
  --accent-soft:#f7ece9;
  --card:#ffffff;
  --radius:14px;
  --max:1080px;
}

*{box-sizing:border-box}

html{scroll-behavior:smooth}

body{
  margin:0;
  background:var(--bg);
  color:var(--ink);
  font-family:-apple-system,BlinkMacSystemFont,"PingFang SC","Hiragino Sans GB","Microsoft YaHei","Noto Sans SC",sans-serif;
  font-size:16px;
  line-height:1.75;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}

a{color:inherit;text-decoration:none}

.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}

/* ---------- header ---------- */
.site-header{
  position:sticky;top:0;z-index:50;
  background:rgba(250,249,247,.9);
  backdrop-filter:blur(12px);
  -webkit-backdrop-filter:blur(12px);
  border-bottom:1px solid var(--line);
}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:62px}
.brand{font-weight:800;font-size:19px;letter-spacing:-.02em}
.brand .slash{color:var(--accent);margin:0 1px}
.brand small{font-weight:500;color:var(--muted);font-size:12px;margin-left:9px;letter-spacing:0}
.nav{display:flex;gap:22px;font-size:14.5px;color:var(--muted)}
.nav a{transition:color .15s}
.nav a:hover,.nav a[aria-current="page"]{color:var(--accent)}

/* ---------- hero ---------- */
.hero{padding:84px 0 44px}
.eyebrow{
  font-size:12.5px;letter-spacing:.16em;text-transform:uppercase;
  color:var(--accent);font-weight:700;margin:0 0 18px;
}
h1{
  font-size:clamp(2.2rem,6vw,3.9rem);
  line-height:1.08;letter-spacing:-.035em;
  margin:0 0 22px;font-weight:850;
}
h1 em{font-style:normal;color:var(--accent)}
.lede{
  font-size:clamp(1rem,1.9vw,1.16rem);
  color:var(--muted);max-width:660px;margin:0 0 34px;
}

/* ---------- stats ---------- */
.stats{
  display:grid;grid-template-columns:repeat(6,1fr);gap:1px;
  background:var(--line);border:1px solid var(--line);
  border-radius:var(--radius);overflow:hidden;margin:10px 0 74px;
}
.stat{background:var(--card);padding:22px 14px;text-align:center}
.stat b{
  display:block;font-size:clamp(1.3rem,2.8vw,1.9rem);
  font-weight:800;letter-spacing:-.03em;font-variant-numeric:tabular-nums;
}
.stat span{display:block;font-size:12px;color:var(--muted);margin-top:5px}

/* ---------- entries ---------- */
.entries{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-bottom:78px}
.entry{
  display:block;background:var(--card);border:1px solid var(--line);
  border-radius:var(--radius);padding:26px;
  transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease;
}
.entry:hover{border-color:#cfc8ba;transform:translateY(-2px);box-shadow:0 12px 32px rgba(0,0,0,.055)}
.entry .num{font-size:11.5px;font-weight:700;color:var(--accent);letter-spacing:.14em}
.entry h3{margin:10px 0 8px;font-size:18px;letter-spacing:-.01em}
.entry p{margin:0;color:var(--muted);font-size:14px}

/* ---------- sections ---------- */
section{padding:6px 0 72px}
.section-title{
  font-size:12.5px;letter-spacing:.16em;text-transform:uppercase;
  color:var(--muted);font-weight:700;margin:0 0 22px;
  padding-top:10px;border-top:1px solid var(--line);
}

/* ---------- prose ---------- */
.prose{max-width:720px}
.prose p{margin:0 0 15px;color:#2a2822}
.prose strong{font-weight:700}
blockquote{
  margin:26px 0;padding:18px 22px;border-left:3px solid var(--accent);
  background:var(--card);border-radius:0 10px 10px 0;
  color:#2a2822;font-size:15.5px;
}
blockquote p{margin:0}

/* ---------- article ---------- */
.article{max-width:760px}
.article h2{font-size:clamp(1.35rem,3vw,1.75rem);letter-spacing:-.025em;margin:52px 0 6px}
.article h2:first-child{margin-top:0}
.article h3{font-size:1.06rem;margin:30px 0 8px}
.article p{margin:0 0 14px}
.law{
  background:var(--card);border:1px solid var(--line);
  border-left:3px solid var(--accent);border-radius:10px;
  padding:20px 22px;margin:16px 0 10px;font-size:15.5px;line-height:1.8;
}
.law .no{display:block;font-size:11.5px;color:var(--accent);font-weight:700;letter-spacing:.1em;margin-bottom:9px;text-transform:uppercase}
.note{color:var(--muted);font-size:14px;margin:0 0 26px}
.hr{height:1px;background:var(--line);margin:44px 0}

/* ---------- calculator ---------- */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:34px;align-items:start}
.field{margin-bottom:20px}
label.lbl{display:block;font-size:13px;font-weight:700;color:var(--muted);margin-bottom:8px}
input[type=number]{
  width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;
  font-size:16px;background:var(--card);color:var(--ink);
  font-variant-numeric:tabular-nums;font-family:inherit;
  transition:border-color .15s,box-shadow .15s;
}
input[type=number]:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-soft)}
.radios{display:grid;gap:9px}
.radio{
  display:flex;gap:11px;align-items:center;padding:12px 14px;
  border:1px solid var(--line);border-radius:10px;background:var(--card);
  cursor:pointer;font-size:14.5px;transition:border-color .15s,background .15s;
}
.radio:hover{border-color:#cfc8ba}
.radio input{accent-color:var(--accent);margin:0}
.radio:has(input:checked){border-color:var(--accent);background:var(--accent-soft)}
.radio .rate{margin-left:auto;font-variant-numeric:tabular-nums;font-weight:700;color:var(--accent);font-size:13.5px}

.result{
  background:#16150f;color:#f5f2ea;border-radius:var(--radius);
  padding:30px;position:sticky;top:84px;
}
.result .label{font-size:11.5px;letter-spacing:.14em;text-transform:uppercase;color:#a19a8b}
.result .big{
  font-size:clamp(2rem,5vw,2.7rem);font-weight:800;letter-spacing:-.03em;
  font-variant-numeric:tabular-nums;margin:10px 0 6px;line-height:1.1;
}
.result .sub{font-size:13.5px;color:#a19a8b;line-height:1.75}
.result .divider{height:1px;background:rgba(245,242,234,.14);margin:22px 0}
.result .row{display:flex;justify-content:space-between;font-size:13.5px;color:#cfc9bb;margin-bottom:7px}
.result .row b{color:#f5f2ea;font-variant-numeric:tabular-nums}
.warn{
  margin-top:18px;padding:12px 14px;border-radius:10px;
  background:rgba(176,58,46,.2);color:#f2bcb5;font-size:13.5px;line-height:1.65;
  display:none;
}
.warn.on{display:block}

/* ---------- timeline ---------- */
.timeline{list-style:none;padding:0;margin:22px 0 8px;counter-reset:step;max-width:720px}
.timeline li{position:relative;padding:0 0 32px 48px;counter-increment:step}
.timeline li::before{
  content:counter(step);position:absolute;left:0;top:0;
  width:31px;height:31px;border-radius:50%;background:var(--accent);
  color:#fff;display:grid;place-items:center;font-size:13px;font-weight:700;
}
.timeline li::after{
  content:"";position:absolute;left:15px;top:35px;bottom:8px;
  width:1px;background:var(--line);
}
.timeline li:last-child::after{display:none}
.timeline h3{margin:3px 0 6px;font-size:16.5px;letter-spacing:-.01em}
.timeline p{margin:0 0 6px;color:var(--muted);font-size:14.5px}
.timeline .tag{
  display:inline-block;font-size:11.5px;font-weight:700;letter-spacing:.06em;
  padding:2px 8px;border-radius:999px;background:var(--accent-soft);color:var(--accent);
  margin-left:8px;vertical-align:middle;
}

/* ---------- table ---------- */
table{width:100%;border-collapse:collapse;font-size:14.5px;margin:14px 0 28px}
th,td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}
th{font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:700}
td{color:#2a2822}
tr:last-child td{border-bottom:none}

/* ---------- callout ---------- */
.callout{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  padding:22px 24px;margin:26px 0;max-width:720px;
}
.callout .t{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--accent);font-weight:700;margin:0 0 8px}
.callout p{margin:0;font-size:14.5px;color:#2a2822}

/* ---------- footer ---------- */
footer{border-top:1px solid var(--line);padding:40px 0 64px;color:var(--muted);font-size:13.5px}
footer .wrap{display:flex;justify-content:space-between;gap:28px;flex-wrap:wrap}
footer p{margin:0 0 6px;max-width:640px;line-height:1.7}
footer .meta{text-align:right;white-space:nowrap}
footer a:hover{color:var(--accent)}

/* ---------- responsive ---------- */
@media(max-width:820px){
  .entries{grid-template-columns:1fr}
  .calc{grid-template-columns:1fr}
  .result{position:static}
}
@media(max-width:760px){
  .stats{grid-template-columns:repeat(3,1fr)}
  .hero{padding:56px 0 34px}
  footer .meta{text-align:left}
}
@media(max-width:620px){
  .nav{gap:13px;font-size:13px}
  .brand small{display:none}
  .wrap{padding:0 18px}
  section{padding-bottom:56px}
  .stats{margin-bottom:56px}
  .entries{margin-bottom:56px}
}