:root{color-scheme:light;--bg: #f5f7f6;--surface: #ffffff;--surface-soft: #eef4f7;--surface-warm: #fff8ea;--ink: #13201f;--muted: #60706d;--line: #d9e3e1;--primary: #0c5a4a;--primary-dark: #083f36;--accent: #a35d00;--danger: #b42318;--info: #245d8f;--shadow: 0 18px 48px rgba(19, 32, 31, .09)}*{box-sizing:border-box}body{margin:0;background:linear-gradient(180deg,#e6efecbf 0,#f5f7f600 380px),var(--bg);color:var(--ink);font-family:system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,Microsoft JhengHei,PingFang TC,Noto Sans TC,sans-serif;line-height:1.65}a{color:inherit;text-decoration:none}img,svg{display:block;max-width:100%}button,input,select{font:inherit}.container{width:min(1120px,calc(100% - 32px));margin:0 auto}.site-header{position:sticky;top:0;z-index:20;border-bottom:1px solid rgba(219,229,223,.8);background:#f5f7f6eb;backdrop-filter:blur(14px)}.nav{display:flex;min-height:64px;align-items:center;justify-content:space-between;gap:24px}.brand{display:inline-flex;align-items:center;gap:10px;font-weight:800}.brand-mark{display:grid;width:34px;height:34px;place-items:center;border-radius:8px;background:linear-gradient(135deg,var(--primary),var(--info));color:#fff;font-size:13px;font-weight:850;letter-spacing:0}.nav-links{display:flex;flex-wrap:wrap;justify-content:flex-end;gap:8px 18px;color:var(--muted);font-size:15px}.nav-links a:hover{color:var(--primary)}.section{padding:56px 0}.hero{padding:70px 0 46px}.hero-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(320px,.9fr);gap:32px;align-items:center}.eyebrow{margin:0 0 10px;color:var(--info);font-size:14px;font-weight:800;letter-spacing:0}h1,h2,h3{margin:0;line-height:1.2;letter-spacing:0}h1{max-width:780px;font-size:clamp(38px,6vw,60px)}h2{font-size:clamp(26px,4vw,38px)}h3{font-size:20px}.lead{max-width:720px;margin:18px 0 0;color:var(--muted);font-size:18px}.hero-actions,.button-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.button{display:inline-flex;min-height:44px;align-items:center;justify-content:center;border:1px solid var(--line);border-radius:8px;background:var(--surface);color:var(--ink);font-weight:750;padding:9px 15px;transition:.16s ease}.button:hover{transform:translateY(-1px);border-color:var(--primary)}.button.primary{border-color:var(--primary);background:var(--primary);color:#fff}.button.accent{border-color:#e6c275;background:var(--surface-warm);color:#6d3d00}.button.primary:hover{background:var(--primary-dark)}.panel{border:1px solid var(--line);border-radius:8px;background:var(--surface);box-shadow:var(--shadow)}.hero-panel{padding:22px}.rate-board{display:grid;gap:14px}.rate-board h2{font-size:24px}.rate-row{display:grid;grid-template-columns:76px 1fr auto;gap:12px;align-items:center;border-top:1px solid var(--line);padding-top:14px}.rate-row span{color:var(--info);font-size:13px;font-weight:850}.rate-row strong{font-size:15px}.rate-row a{border-radius:8px;background:var(--surface-soft);color:var(--primary-dark);font-size:13px;font-weight:800;padding:6px 10px}.metric-list{display:grid;gap:14px;margin:0;padding:0;list-style:none}.metric-list li{display:grid;grid-template-columns:108px 1fr;gap:12px;border-bottom:1px solid var(--line);padding-bottom:14px}.metric-list li:last-child{border-bottom:0;padding-bottom:0}.metric-label{color:var(--muted);font-size:14px}.metric-value{font-weight:800}.section-head{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:22px}.section-head p{max-width:660px;margin:8px 0 0;color:var(--muted)}.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.tool-card{display:flex;min-height:100%;flex-direction:column;gap:16px;border:1px solid rgba(217,227,225,.95);border-radius:8px;background:var(--surface);padding:20px}.tool-card p{margin:0;color:var(--muted)}.card-top{display:flex;align-items:start;justify-content:space-between;gap:14px}.category{display:inline-flex;align-items:center;border-radius:999px;background:var(--surface-soft);color:var(--primary-dark);font-size:13px;font-weight:750;padding:4px 9px;white-space:nowrap}.tags{display:flex;flex-wrap:wrap;gap:8px}.tag{border-radius:999px;background:var(--surface-warm);color:#704400;font-size:13px;font-weight:700;padding:4px 9px}.tag.risk{background:#fff1f0;color:var(--danger)}.card-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:auto}.disclosure{border:1px solid #f0d28a;border-radius:8px;background:#fff9e8;color:#5f4210;padding:14px 16px;font-size:14px}.content{max-width:820px}.content p,.content li{color:var(--muted)}.content a{color:var(--primary);font-weight:750}.muted{margin:6px 0 0;color:var(--muted);font-size:14px}.two-column{display:grid;grid-template-columns:minmax(0,1fr) minmax(280px,360px);gap:28px;align-items:start}.stack{display:grid;gap:16px}.detail-list{display:grid;gap:12px;margin:0;padding:0;list-style:none}.detail-list li{border-bottom:1px solid var(--line);padding-bottom:12px}.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:8px;background:var(--surface)}table{width:100%;min-width:720px;border-collapse:collapse}th,td{border-bottom:1px solid var(--line);padding:14px 16px;text-align:left;vertical-align:top}th{background:var(--surface-soft);color:var(--primary-dark);font-size:14px}td{color:var(--muted);overflow-wrap:break-word;word-break:break-word}.calculator{display:grid;grid-template-columns:minmax(0,1fr) 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24px,1120px)}.nav{align-items:start;flex-direction:column;gap:10px;padding:14px 0}.nav-links{gap:4px 14px;font-size:14px}h1{font-size:40px}.hero{padding-top:48px}.rate-row{grid-template-columns:1fr}}