:root{--bg:#f6f8fb;--surface:#ffffff;--text:#142033;--muted:#5b6b82;--accent:#1f6feb;--accent-soft:#e8f1ff;--border:#dbe3ef;--shadow:0 10px 30px rgba(20,32,51,0.08)}*{box-sizing:border-box}body,html{margin:0;padding:0;background:var(--bg);color:var(--text);font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;line-height:1.6}a{color:var(--accent);text-decoration:none}a:hover{text-decoration:underline}.container{width:min(1120px,calc(100% - 32px));margin:0 auto}.site-header{background:var(--surface);border-bottom:1px solid var(--border);position:-webkit-sticky;position:sticky;top:0;z-index:10}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:16px 0}.brand{font-weight:700;font-size:1.1rem;color:var(--text)}.nav{display:flex;gap:20px;flex-wrap:wrap}.hero{padding:48px 0 24px}.hero h1{margin:0 0 12px;font-size:clamp(1.8rem,4vw,2.6rem);line-height:1.2}.hero p{margin:0;color:var(--muted);max-width:720px}.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));grid-gap:20px;gap:20px;padding:24px 0 48px}.card{background:var(--surface);border:1px solid var(--border);border-radius:16px;overflow:hidden;box-shadow:var(--shadow);display:flex;flex-direction:column}.card-media{display:block;aspect-ratio:16/9;overflow:hidden;background:var(--accent-soft)}.card-media img{width:100%;height:100%;object-fit:cover;transition:transform .25s ease}.card:hover .card-media img{transform:scale(1.03)}.card-media-placeholder{width:100%;height:100%;display:flex;align-items:center;justify-content:center;color:var(--accent);font-weight:600;font-size:.95rem;letter-spacing:.04em;text-transform:uppercase}.card-body{padding:20px;display:flex;flex-direction:column;gap:10px;flex:1 1}.card h2{margin:0;font-size:1.05rem;line-height:1.35}.card h2 a{color:inherit;text-decoration:none}.card h2 a:hover{color:var(--accent)}.meta{font-size:.9rem}.excerpt,.meta{color:var(--muted)}.excerpt{margin:0;font-size:.95rem}.article-page{padding:32px 0 64px}.article-page h1{font-size:clamp(1.7rem,4vw,2.4rem);line-height:1.25;margin:0 0 12px}.article-content{background:var(--surface);border:1px solid var(--border);border-radius:16px;padding:28px;box-shadow:var(--shadow)}.article-content h2,.article-content h3{margin-top:1.6em}.article-content p{margin:1em 0}.article-content img{max-width:100%;height:auto;border-radius:8px}.pagination{display:flex;gap:12px;justify-content:center;padding:16px 0 48px}.pagination a,.pagination span{padding:8px 14px;border-radius:8px;border:1px solid var(--border);background:var(--surface)}.pagination .active{background:var(--accent);color:#fff;border-color:var(--accent)}.site-footer{border-top:1px solid var(--border);background:var(--surface);padding:32px 0;color:var(--muted);font-size:.92rem}.static-page{padding:32px 0 64px}.static-page .article-content{max-width:800px}.badge{display:inline-block;padding:2px 10px;border-radius:999px;font-size:.78rem;font-weight:600;text-transform:capitalize}.category-badge{background:var(--accent-soft);color:var(--accent)}.digest-badge{background:#fff3cd;color:#856404}.updated-badge{background:#d4edda;color:#155724}.article-meta-row,.card-meta-row{display:flex;flex-wrap:wrap;gap:8px;align-items:center}.breadcrumbs{padding:16px 0 8px;font-size:.88rem;color:var(--muted)}.breadcrumbs .sep{margin:0 4px}.article-layout{display:grid;grid-template-columns:260px 1fr;grid-gap:28px;gap:28px;align-items:start}.article-sidebar{position:-webkit-sticky;position:sticky;top:80px;display:flex;flex-direction:column;gap:20px}.article-main{min-width:0}.article-hero{padding:16px 0 24px}.article-hero .hero-image{width:100%;max-height:420px;object-fit:cover;border-radius:16px;margin-top:16px}.tldr{font-size:1.1rem;color:var(--muted);border-left:3px solid var(--accent);padding-left:16px;margin:12px 0}.toc{background:var(--surface);border:1px solid var(--border);border-radius:12px;padding:16px;font-size:.9rem}.toc ol{margin:8px 0 0;padding-left:20px}.toc li{margin:4px 0}.toc-h3{padding-left:12px;font-size:.85rem}.related-section{padding:32px 0 64px}.related-section h2{margin-bottom:16px}.related-grid{padding:0}.search-bar{display:flex;gap:6px}.search-bar input{padding:6px 12px;border:1px solid var(--border);border-radius:8px;font-size:.9rem;min-width:160px}.search-bar button{padding:6px 14px;background:var(--accent);color:#fff;border:none;border-radius:8px;cursor:pointer;font-size:.9rem}.rates-widget{background:var(--surface);border:1px solid var(--border);border-radius:12px;padding:16px}.rates-widget h3{margin:0 0 12px;font-size:1rem}.rates-grid{display:grid;grid-template-columns:1fr 1fr;grid-gap:10px;gap:10px}.rate-card{background:var(--accent-soft);border-radius:8px;padding:10px;display:flex;flex-direction:column;gap:4px}.rate-label{font-size:.78rem;color:var(--muted)}.rate-value{font-size:1.3rem;font-weight:700;color:var(--accent)}.rate-updated{font-size:.78rem;margin:8px 0 0}.calculator{background:var(--surface);border:1px solid var(--border);border-radius:16px;padding:28px;box-shadow:var(--shadow)}.calc-inputs{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));grid-gap:16px;gap:16px;margin-bottom:24px}.calc-inputs label{display:flex;flex-direction:column;gap:6px;font-size:.9rem;font-weight:500}.calc-inputs input{padding:10px 12px;border:1px solid var(--border);border-radius:8px;font-size:1rem}.calc-results{display:grid;grid-gap:12px;gap:12px}.calc-result-main{background:var(--accent-soft);border-radius:12px;padding:20px;display:flex;flex-direction:column;gap:4px}.calc-result-main strong{font-size:2rem;color:var(--accent)}.calc-result-row{display:flex;justify-content:space-between;padding:8px 0;border-bottom:1px solid var(--border)}.calc-disclaimer{font-size:.85rem;color:var(--muted);margin-top:16px}.tool-layout{display:grid;grid-template-columns:1fr 300px;grid-gap:24px;gap:24px;padding-bottom:64px}.programs-table-wrap{overflow-x:auto;margin-bottom:24px}.programs-table{width:100%;border-collapse:collapse;background:var(--surface);border-radius:12px;overflow:hidden;box-shadow:var(--shadow)}.programs-table td,.programs-table th{padding:14px 16px;text-align:left;border-bottom:1px solid var(--border);font-size:.92rem}.programs-table th{background:var(--accent-soft);font-weight:600}.programs-table small{color:var(--muted)}.article-faq{margin-top:32px}.article-faq h2,.faq-item{margin-bottom:16px}.faq-item dt{font-weight:600;margin-bottom:4px}.faq-item dd{margin:0;color:var(--muted)}.article-sources{margin-top:24px;font-size:.9rem}.article-sources ul{padding-left:20px}.category-nav{display:flex;flex-wrap:wrap;gap:8px;padding:8px 0 16px}.category-link{padding:6px 14px;background:var(--surface);border:1px solid var(--border);border-radius:999px;font-size:.88rem;color:var(--text);text-decoration:none}.category-link:hover{background:var(--accent-soft);color:var(--accent)}.hero-actions{display:flex;gap:12px;margin-top:20px;flex-wrap:wrap}.btn{padding:10px 20px;border-radius:8px;font-weight:600;text-decoration:none;display:inline-block}.btn-primary{background:var(--accent);color:#fff}.btn-secondary{background:var(--surface);color:var(--accent);border:1px solid var(--accent)}.home-widgets{display:grid;grid-template-columns:1fr 1fr;grid-gap:20px;gap:20px;margin-bottom:16px}.footer-grid{display:grid;grid-template-columns:1fr 280px;grid-gap:32px;gap:32px}.empty-state{text-align:center;color:var(--muted);padding:48px 0}.admin-body{background:#eef2f7}.admin-body main{min-height:100vh}.admin-shell{width:min(1120px,calc(100% - 32px));margin:0 auto;padding:32px 0 64px}.admin-header h1{margin:0 0 8px}.admin-header p{margin:0;color:var(--muted)}.admin-login{min-height:70vh;display:flex;align-items:center;justify-content:center}.admin-login-card{width:min(420px,100%);background:var(--surface);border:1px solid var(--border);border-radius:16px;padding:28px;box-shadow:var(--shadow)}.admin-login-card h1{margin:0 0 8px}.admin-login-card p{margin:0 0 16px;color:var(--muted)}.admin-login-card input{width:100%;padding:12px 14px;border:1px solid var(--border);border-radius:8px;margin-bottom:12px}.admin-login-card button{width:100%;padding:12px 14px;border:none;border-radius:8px;background:var(--accent);color:#fff;font-weight:600;cursor:pointer}.admin-error{color:#721c24;margin-top:12px}.admin-toolbar{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0 12px}.admin-toolbar .btn{border:none;cursor:pointer}.admin-status{background:var(--accent-soft);border-radius:8px;padding:12px 16px;margin-bottom:20px}.admin-stats{display:grid;grid-template-columns:repeat(auto-fill,minmax(160px,1fr));grid-gap:12px;gap:12px;margin-bottom:28px}.admin-stat{background:var(--surface);border:1px solid var(--border);border-radius:12px;padding:16px}.admin-stat-value{font-size:1.6rem;font-weight:700}.admin-stat-label{color:var(--muted);font-size:.88rem;margin-top:4px}.admin-section{margin-bottom:32px}.admin-meta,.admin-section h2{margin:0 0 12px}.admin-meta{color:var(--muted)}.admin-table-wrap{overflow-x:auto}.admin-table{width:100%;border-collapse:collapse;background:var(--surface);border-radius:12px;overflow:hidden;box-shadow:var(--shadow)}.admin-table td,.admin-table th{padding:12px 14px;border-bottom:1px solid var(--border);text-align:left;font-size:.92rem;vertical-align:top}.admin-table th{background:var(--accent-soft)}.admin-error-cell{color:#721c24;max-width:280px;word-break:break-word}.admin-help ul{margin:0;padding-left:20px}.admin-help code{font-size:.88rem}.admin-row-actions{display:flex;gap:8px;flex-wrap:wrap}.admin-editor-overlay{position:fixed;inset:0;background:rgba(0,0,0,.45);display:flex;align-items:center;justify-content:center;padding:24px;z-index:1000}.admin-editor{width:min(920px,100%);max-height:90vh;overflow:auto;background:var(--surface);border-radius:16px;padding:24px;box-shadow:var(--shadow)}.admin-editor-header{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:8px}.admin-editor-header h3{margin:0}.admin-editor-form{display:grid;grid-gap:14px;gap:14px}.admin-editor-form label{display:grid;grid-gap:6px;gap:6px;font-size:.92rem}.admin-editor-form input,.admin-editor-form textarea{width:100%;border:1px solid var(--border);border-radius:8px;padding:10px 12px;font:inherit;background:#fff}.admin-editor-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:4px}@media (max-width:768px){.article-layout,.footer-grid,.home-widgets,.tool-layout{grid-template-columns:1fr}.article-sidebar{position:static}.header-inner{flex-wrap:wrap}.search-bar{width:100%}.search-bar input{flex:1 1}}