*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:30px}body{margin:0;background:#f5f7f2;color:#203731;font-family:system-ui,-apple-system,"PingFang SC","Microsoft YaHei",sans-serif;line-height:1.85}a{color:#126a56;text-underline-offset:4px}a:hover{color:#a54c28}a:focus-visible,summary:focus-visible{outline:3px solid #c4773f;outline-offset:5px}.top{max-width:1200px;margin:auto;display:flex;justify-content:space-between;align-items:center;padding:25px 30px}.top a{text-decoration:none}.brand{font-size:21px;font-weight:800}.brand span{display:block;font-weight:400;font-size:11px;letter-spacing:2px;color:#6c8077}main{max-width:1200px;margin:auto;padding:0 30px}.hero{position:relative;background:#102e2b;color:#f5faee;border-radius:28px;padding:62px 50px;overflow:hidden}.eyebrow{font-size:12px;letter-spacing:2px;font-weight:700;color:#53796a}.hero .eyebrow{color:#c4e4bb}.hero h1{font-size:clamp(35px,4.6vw,60px);line-height:1.23;letter-spacing:-2px;max-width:720px;margin:22px 0}.lead{max-width:650px;font-size:17px;color:#d2e0d6}.meta{font-size:12px;color:#bdd0c4}.buttons{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}.button{padding:10px 18px;border-radius:8px;background:#d2eab7;color:#16372e;text-decoration:none;font-size:14px;font-weight:700}.button.secondary{background:transparent;color:#e0edda;border:1px solid #668475}.hero-art{position:absolute;right:25px;bottom:35px;width:235px;transform:rotate(-9deg);opacity:.8}.card{height:140px;border:1px solid #7b9c7a;border-radius:16px;padding:18px;background:linear-gradient(125deg,#648365,#2d4a40);box-shadow:0 15px 30px #001c2240}.card span{font-size:9px;letter-spacing:3px}.card b{display:block;margin-top:14px;font-size:22px}.card small{font-size:10px;letter-spacing:3px}.notice{margin:26px 0 42px;padding:22px 25px;background:#fff3df;border-left:4px solid #c48439;border-radius:8px;font-size:14px}.notice p{margin:6px 0 0}.layout{display:grid;grid-template-columns:180px minmax(0,1fr);gap:42px}.toc{position:sticky;top:25px;align-self:start;display:flex;flex-direction:column;gap:9px;font-size:13px;padding-top:20px}.toc strong{margin-bottom:8px}.toc a{text-decoration:none;color:#64796b}article{min-width:0}article section{margin-bottom:35px;padding:30px;background:#fff;border:1px solid #e0e7df;border-radius:17px}h2{font-size:25px;line-height:1.4;margin:10px 0 22px}h3{font-size:18px;line-height:1.5;margin-top:26px}p{margin:13px 0}li{padding-left:4px;margin:10px 0}ul,ol{padding-left:23px}.takeaways{display:grid;gap:12px}.takeaways>div{background:#f2f6ef;border-radius:10px;padding:16px 20px}.takeaways b{color:#1a6550}.takeaways p{margin:5px 0;font-size:14px}.compare{display:grid;grid-template-columns:1fr 1fr;gap:16px}.panel{border:1px solid #dee6dc;border-radius:12px;padding:18px;font-size:14px}.panel h3{margin-top:15px}.pill{background:#e6f0df;padding:4px 10px;border-radius:20px;font-size:12px;font-weight:700}.callout{padding:17px 20px;background:#f3f5e9;border-radius:8px;margin:22px 0;font-size:14px}.fees dt{font-weight:750;margin-top:22px;color:#176048}.fees dd{margin:6px 0 0;font-size:15px}.muted{font-size:13px;color:#68796e}.steps li{padding-bottom:12px}.sources a{overflow-wrap:anywhere}details{border-top:1px solid #e2e9df;padding:16px 0}summary{font-weight:700;cursor:pointer}details p{font-size:14px}.bottom-link{display:flex;gap:15px;flex-wrap:wrap;justify-content:space-between;background:#ecf3e5;padding:20px;border-radius:10px;margin-top:25px}footer{text-align:center;padding:35px 20px 45px;font-size:12px;color:#6b7e70}@media(max-width:1100px){.hero-art{display:none}}@media(max-width:760px){.top{padding:18px 20px}.top>a:last-child{font-size:12px}main{padding:0 15px}.hero{padding:35px 24px;border-radius:18px}.hero h1{letter-spacing:-1px}.lead{font-size:15px}.layout{display:block}.toc{position:static;display:flex;flex-direction:row;flex-wrap:wrap;gap:8px 17px;padding:0 5px 25px}.toc strong{width:100%;margin:0}.toc a{font-size:12px}.notice{margin-bottom:25px;padding:17px}article section{padding:24px 19px;margin-bottom:20px}h2{font-size:23px}.compare{grid-template-columns:1fr}.button{font-size:12px}article{font-size:15px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}