:root{--green:#2a9d5c;--green-light:#e8f5ee;--green-dark:#1e7a45;--bg:#f7f8fa;--card:#fff;--text:#1a1a2e;--muted:#5a6377;--border:#e2e6ed;--blue:#3b82f6;--red:#ef4444;--orange:#f59e0b}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Segoe UI',system-ui,-apple-system,sans-serif;background:var(--bg);color:var(--text);line-height:1.6}
.topnav{position:fixed;top:0;width:100%;background:rgba(255,255,255,.95);backdrop-filter:blur(10px);border-bottom:1px solid var(--border);z-index:100}
.topnav-inner{max-width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;padding:0 24px;height:56px}
.logo{font-weight:700;font-size:1.1rem;color:var(--green);text-decoration:none}
.nav-links{display:flex;gap:4px;overflow-x:auto;flex-wrap:nowrap}
.nav-links a{font-size:.78rem;color:var(--muted);text-decoration:none;padding:6px 10px;border-radius:6px;white-space:nowrap;transition:.2s}
.nav-links a:hover{background:var(--green-light);color:var(--green)}
.hamburger{display:none;background:none;border:none;font-size:1.4rem;cursor:pointer;color:var(--text)}
.hero{margin-top:56px;background:linear-gradient(135deg,var(--green-dark),var(--green),#34d399);color:#fff;padding:90px 24px 70px;text-align:center}
.hero h1{font-size:clamp(2rem,5vw,3.2rem);font-weight:800;margin-bottom:14px}
.hero p{font-size:1.1rem;opacity:.9;max-width:600px;margin:0 auto 28px}
.hero-stat{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.2);padding:10px 24px;border-radius:50px;font-weight:600;font-size:1rem}
.section{max-width:1100px;margin:0 auto;padding:56px 24px}
.section-title{font-size:1.7rem;font-weight:700;margin-bottom:6px}
.section-sub{color:var(--muted);margin-bottom:28px;font-size:.95rem}
.divider{width:50px;height:4px;background:var(--green);border-radius:2px;margin-bottom:28px}
.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px}
.card{background:var(--card);border:1px solid var(--border);border-radius:12px;padding:24px;transition:.2s}
.card:hover{transform:translateY(-2px);box-shadow:0 6px 24px rgba(0,0,0,.07)}
.card h3{font-size:1rem;margin-bottom:10px;color:var(--green-dark)}
.card p,.card li{font-size:.88rem;color:var(--muted)}
.card ul{padding-left:16px}.card li{margin-bottom:5px}
.tw{overflow-x:auto;margin:16px 0}
table{width:100%;border-collapse:collapse;font-size:.85rem}
th{background:var(--green);color:#fff;padding:10px 14px;text-align:left;font-weight:600;white-space:nowrap}
td{padding:9px 14px;border-bottom:1px solid var(--border)}
tr:nth-child(even){background:#f8fafb}
tr:hover{background:var(--green-light)}
.callout{background:var(--green-light);border-left:4px solid var(--green);border-radius:8px;padding:18px 22px;margin:20px 0}
.callout.warn{background:#fef3c7;border-color:var(--orange)}
.callout.tip{background:#eff6ff;border-color:var(--blue)}
.callout strong{color:var(--green-dark)}
.callout p{font-size:.88rem;color:var(--muted);margin-top:4px}
.save-tag{display:inline-block;background:var(--green);color:#fff;font-size:.72rem;font-weight:700;padding:2px 9px;border-radius:50px;margin-left:4px}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.check-list{list-style:none;padding:0}
.check-list li{padding:7px 0 7px 26px;position:relative;font-size:.88rem}
.check-list li::before{content:'✓';position:absolute;left:0;color:var(--green);font-weight:700}
.x-list li::before{content:'✗';color:var(--red)}
.budget-rings{display:flex;flex-wrap:wrap;gap:24px;justify-content:center;margin:20px 0}
.ring{text-align:center}.ring .pct{font-size:2rem;font-weight:800}.ring .label{font-size:.82rem;color:var(--muted)}
.toc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:10px}
.toc-item{display:flex;align-items:center;gap:10px;background:var(--card);border:1px solid var(--border);border-radius:8px;padding:12px 14px;text-decoration:none;color:var(--text);transition:.2s;font-size:.87rem}
.toc-item:hover{border-color:var(--green);background:var(--green-light)}
.toc-num{background:var(--green);color:#fff;width:26px;height:26px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.72rem;font-weight:700;flex-shrink:0}
footer{background:var(--text);color:rgba(255,255,255,.7);text-align:center;padding:36px 24px;font-size:.82rem}
footer strong{color:#fff}
.btt{position:fixed;bottom:24px;right:24px;width:42px;height:42px;background:var(--green);color:#fff;border:none;border-radius:50%;font-size:1.1rem;cursor:pointer;display:none;box-shadow:0 4px 12px rgba(0,0,0,.15);z-index:50}
.btt.show{display:block}
@media(max-width:768px){.nav-links{display:none}.nav-links.open{display:flex;position:absolute;top:56px;left:0;right:0;background:#fff;flex-direction:column;padding:14px;border-bottom:1px solid var(--border)}.hamburger{display:block}.two-col{grid-template-columns:1fr}.hero{padding:70px 18px 50px}.section{padding:36px 16px}}