@charset "UTF-8";
:root{--ink:#172f49;--text:#273c51;--muted:#596b7d;--line:#dce3e9;--paper:#f4f6f8;--orange:#b94713;--accent:#ee9c65;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0;font-family:system-ui,-apple-system,"Segoe UI","Microsoft YaHei",sans-serif;color:var(--text);background:var(--white);font-size:16px;line-height:1.85}a{color:var(--ink);text-decoration-thickness:1px;text-underline-offset:4px}a:hover{color:var(--orange)}button,input{font:inherit}button,a,input,summary{touch-action:manipulation}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid var(--orange);outline-offset:4px}h1,h2,h3,p{margin-top:0}h1,h2,h3{color:var(--ink);line-height:1.4}h1{font-size:40px;letter-spacing:-1.2px}h2{font-size:27px;letter-spacing:-.6px;margin-bottom:20px}h3{font-size:20px}p{margin-bottom:18px}li{margin-bottom:10px}section{margin-bottom:52px}small,.small,.source{font-size:14px;color:var(--muted)}.eyebrow{display:block;font-size:13px;font-weight:650;letter-spacing:1.5px;color:var(--muted);margin-bottom:14px}.skip{position:absolute;top:-80px;left:20px;background:white;padding:12px;z-index:10}.skip:focus{top:10px}.preview{background:#eaf0f4;color:#445a6e;text-align:center;padding:4px 16px;font-size:12px;letter-spacing:1px}.site-header{border-bottom:1px solid var(--line);background:#fff}.header-inner{max-width:1220px;margin:auto;display:flex;justify-content:space-between;align-items:center;gap:24px;padding:22px 32px}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;font-size:21px;font-weight:750;line-height:1.3;white-space:nowrap}.brand small{display:block;font-size:11px;letter-spacing:1.5px;margin-top:5px;font-weight:400}.brand-icon{display:grid;place-items:center;background:var(--ink);color:#f9bc8c;border-radius:9px;width:43px;height:46px;font-size:25px}.header-inner nav{display:flex;gap:29px}.header-inner nav a{text-decoration:none;font-size:15px;white-space:nowrap}.header-inner nav a[aria-current]{color:var(--orange)}.nav-tool{background:var(--ink);color:#fff;padding:9px 19px;border-radius:5px;text-decoration:none;white-space:nowrap;font-size:14px}.nav-tool:hover{color:#fff;background:#294761}.hero{background:var(--paper);padding:64px max(32px,calc((100vw - 1156px)/2));display:grid;grid-template-columns:minmax(0,1.55fr) minmax(280px,1fr);gap:65px;margin:0}.hero h1{font-size:43px;line-height:1.45;margin-bottom:22px}.hero h1 em{font-style:normal;color:var(--orange);font-size:35px}.lead{font-size:17px;max-width:650px;line-height:1.95}.hero-actions{display:flex;flex-wrap:wrap;align-items:center;gap:24px;margin:29px 0 25px}.hero-actions a{font-size:15px;font-weight:600;text-decoration:none}.hero-actions a:first-child{background:var(--ink);color:white;border-radius:5px;padding:12px 22px}.hero-meta{color:var(--muted);font-size:12px;margin:0}.hero-meta span{margin:0 9px;color:#8795a1}.receipt{background:white;box-shadow:0 14px 34px #1830470c;border-top:4px solid var(--accent);align-self:center;padding:28px 29px 19px;transform:rotate(1deg)}.receipt-top{display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid var(--line);padding-bottom:18px;font-weight:650}.receipt-stamp{border:1px solid #bd6b3d;color:#985021;font-size:11px;padding:1px 7px;transform:rotate(-6deg)}.receipt-label{font-size:12px;color:var(--muted);margin:20px 0 8px}.receipt-formula{font-size:26px;line-height:1.65;font-weight:650;border-bottom:1px dashed #cbd3db;padding-bottom:22px}.receipt-formula span{color:var(--orange)}.receipt-row{display:flex;justify-content:space-between;gap:10px;font-size:14px;margin-top:16px}.receipt-row strong{font-weight:500}.receipt>p:last-child{font-size:11px;color:var(--muted);margin-top:22px;margin-bottom:0}.home-body{max-width:1220px;padding:52px 32px 24px;margin:auto}.scope{display:grid;grid-template-columns:1fr 2fr;gap:50px;margin-bottom:26px}.scope h2{font-size:25px}.scope .source{margin-top:14px}.notice{background:#fff6ed;border-left:3px solid #cb743c;padding:22px 25px;margin:24px 0 48px;font-size:14px}.notice p{margin:7px 0}.notice a{font-size:13px}.section-heading{display:flex;justify-content:space-between;gap:22px;align-items:center}.section-heading>a{font-size:14px;white-space:nowrap}.data-note{background:var(--paper);padding:20px 24px;border-radius:5px;margin-bottom:22px}.data-note p{font-size:14px;margin:6px 0 0}.table-wrap{max-width:100%;overflow-x:auto;margin:22px 0;border:1px solid var(--line);border-radius:5px}table{border-collapse:collapse;width:100%;text-align:left;font-size:15px;line-height:1.7}caption{text-align:left;padding:12px 18px;background:#eef2f5;color:var(--muted);font-size:13px}th,td{padding:15px 18px;border-bottom:1px solid var(--line);vertical-align:top;min-width:130px}thead th{background:#f7f9fb;font-size:13px;font-weight:600}tbody th{font-weight:550}tbody tr:last-child>*{border-bottom:0}.source{margin:18px 0;line-height:1.8}.source a{color:#385871}.guide-links{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line);border-radius:5px}.guide-links>div{padding:24px;display:flex;gap:16px;align-items:baseline;border-right:1px solid var(--line)}.guide-links>div:last-child{border:0}.guide-links span{color:var(--orange);font-size:13px;font-weight:650}.guide-links a{text-decoration:none;font-weight:600}.calculator{padding:34px;background:var(--paper);border:1px solid var(--line);border-radius:8px}.tool-intro h2{margin-bottom:10px}.tool-intro p{color:var(--muted);font-size:15px}.quote-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.quote-grid fieldset{border:1px solid var(--line);background:white;border-radius:6px;padding:22px;min-width:0;margin:0}.quote-grid legend{background:var(--paper);padding:0 8px;font-weight:650}.quote-letter{display:inline-grid;place-items:center;background:var(--ink);color:white;width:29px;height:29px;margin-right:7px;border-radius:4px}.quote-grid fieldset:nth-child(2) .quote-letter{background:#a74317}.quote-grid label{display:grid;grid-template-columns:1fr 145px;gap:12px;align-items:center;margin-bottom:14px;font-size:14px}.quote-grid label:last-child{margin:0}input{width:100%;min-width:0;border:1px solid #afbcc7;border-radius:4px;padding:8px 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p{font-size:14px;color:var(--muted);display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}.article-card .eyebrow{font-size:11px;color:var(--orange)}.read-link{font-size:13px;margin-top:auto;display:flex;justify-content:space-between}.transparency{border-top:1px solid var(--line);padding-top:30px}.transparency h2{font-size:21px}.transparency p{font-size:14px}.inner{max-width:1220px;margin:auto;padding:28px 32px 64px}.breadcrumbs{font-size:13px;color:var(--muted);display:flex;flex-wrap:wrap;gap:10px;margin-bottom:38px}.breadcrumbs a{text-decoration:none}.breadcrumbs span[aria-current]{max-width:100%;overflow-wrap:anywhere}.page-header{max-width:920px;border-bottom:1px solid var(--line);padding-bottom:22px;margin-bottom:35px}.page-header h1{font-size:34px;max-width:880px;letter-spacing:-.8px}.page-header .eyebrow{font-size:12px}.page-content{max-width:1050px}.page-content section:last-child{margin-bottom:0}.article-layout{display:grid;grid-template-columns:minmax(0,790px) 260px;gap:64px}.article-layout article{min-width:0}.article-layout h2{font-size:25px}.article-layout section{margin-bottom:38px}.answer{font-size:18px;border-left:3px solid var(--accent);padding-left:22px;margin-bottom:34px}.reading-aside{background:var(--paper);align-self:start;padding:24px;font-size:14px}.reading-aside h2{font-size:18px}.reading-aside a{display:block;margin:18px 0}.reading-aside hr{border:0;border-top:1px solid var(--line);margin:22px 0}.reading-aside p:last-child{color:var(--muted);font-size:13px}.related{background:var(--paper);padding:25px}.related h2{font-size:22px}.related ul{padding-left:20px;margin:0}.category-grid{grid-template-columns:repeat(2,1fr)}.pagination{display:flex;gap:18px;margin:30px 0}footer{background:var(--ink);color:#d2dce5;padding:42px max(32px,calc((100vw - 1156px)/2)) 30px}.footer-inner{display:flex;justify-content:space-between;gap:25px}.footer-brand{font-size:22px;font-weight:650;color:#fff;text-decoration:none}.footer-inner p{font-size:14px;margin:12px 0}.footer-inner .small{font-size:12px;color:#b6c4d0}.footer-inner nav{display:grid;grid-template-columns:1fr 1fr;gap:12px 32px;align-content:start}.footer-inner nav a{color:#d2dce5;font-size:14px;text-decoration:none}@media(max-width:1050px){.hero{gap:30px}.hero h1{font-size:35px}.hero h1 em{font-size:28px}.header-inner nav{gap:18px}.article-layout{gap:30px;grid-template-columns:minmax(0,1fr) 220px}.quote-grid label{grid-template-columns:1fr 120px}.receipt{padding:22px}.receipt-formula{font-size:23px}}@media(max-width:760px){body{line-height:1.85}.header-inner{padding:17px 20px;gap:16px;flex-wrap:wrap}.brand{font-size:18px}.brand-icon{width:36px;height:39px;font-size:21px}.header-inner nav{order:3;flex-basis:100%;justify-content:space-between;gap:8px;border-top:1px solid var(--line);padding-top:12px}.header-inner nav a{font-size:14px}.nav-tool{margin-left:auto;font-size:13px;padding:8px 13px}.hero{padding:34px 20px;grid-template-columns:1fr;gap:28px}.hero h1{font-size:31px;letter-spacing:-1px}.hero h1 em{font-size:25px}.hero .lead{font-size:16px}.hero-meta{font-size:11px}.hero-meta span{margin:0 4px}.hero-actions{gap:18px}.receipt{transform:none;width:100%;padding:21px}.receipt-formula{font-size:23px}.receipt-formula br{display:none}.receipt-label{margin-top:14px}.receipt-row{margin-top:12px}.receipt>p:last-child{margin-top:14px}.home-body{padding:34px 20px 10px}section{margin-bottom:38px}.scope{grid-template-columns:1fr;gap:6px}.scope h2 br{display:none}.scope h2{font-size:24px}.notice{padding:19px;margin-bottom:35px}.section-heading{display:block}.section-heading>a{display:inline-block;margin-bottom:18px}h2{font-size:24px}.eyebrow{font-size:12px}.data-note{padding:18px}.table-wrap{margin:18px 0}th,td{padding:13px;min-width:120px;font-size:14px}.guide-links{grid-template-columns:1fr}.guide-links>div{border-right:0;border-bottom:1px solid var(--line);padding:20px}.calculator{padding:20px 16px}.quote-grid{grid-template-columns:1fr;gap:22px}.quote-grid fieldset{padding:18px}.quote-grid label{grid-template-columns:minmax(0,1fr) 125px;gap:8px;font-size:13px}.tool-intro h2{font-size:23px}.tool-actions{gap:8px}.tool-actions button{padding:11px 13px}.quote-result{padding:15px}.result-summary{font-size:16px}.tool-notes ul{grid-template-columns:1fr;gap:7px}.topic-grid,.article-grid,.category-grid{grid-template-columns:1fr}.article-card p{-webkit-line-clamp:unset}.topic-card{padding:23px}.inner{padding:22px 20px 42px}.breadcrumbs{margin-bottom:28px;font-size:12px}.page-header h1{font-size:29px}.article-layout{grid-template-columns:1fr}.article-layout h2{font-size:23px}.reading-aside{display:none}.answer{font-size:17px;padding-left:17px}.page-content .calculator{margin-left:0}.footer-inner{flex-direction:column;gap:22px}footer{padding:34px 20px}.footer-inner nav{gap:12px 22px}.small,.source{font-size:13px}.transparency{margin-bottom:28px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.article-card{transition:none}.article-card:hover{transform:none}}

/* Concrete cost example in the first screen. */
.receipt{transform:none;padding:25px 28px 22px}.receipt-top{gap:12px}.receipt-stamp{transform:none;font-size:12px;white-space:nowrap}.receipt-label{margin:18px 0 4px}.receipt-total{font-size:43px;font-weight:750;line-height:1.3;letter-spacing:-1px;color:var(--ink);font-variant-numeric:tabular-nums}.receipt-total>span{font-size:24px;margin-right:5px}.receipt-breakdown{padding:7px 0 17px;border-bottom:1px dashed #cbd3db}.receipt-row{margin-top:9px;gap:12px}.receipt-row strong{font-variant-numeric:tabular-nums;white-space:nowrap}.receipt-metrics{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:18px 0}.receipt-metrics span{display:block;color:var(--muted);font-size:12px}.receipt-metrics strong{display:block;color:var(--orange);font-size:21px;font-weight:650;font-variant-numeric:tabular-nums}.receipt-cash{border-top:1px solid var(--line);padding-top:13px;font-size:12px}.receipt .receipt-note{font-size:12px;color:var(--muted);line-height:1.75;margin:14px 0 10px}.receipt>a{font-size:13px;font-weight:600}.hero-boundary{font-size:13px;color:var(--muted);margin:15px 0 0}.hero h1 em{font-size:31px}@media(max-width:1050px){.hero h1 em{font-size:27px}.receipt{padding:22px}.receipt-total{font-size:37px}.receipt-metrics{gap:12px}.receipt-metrics strong{font-size:19px}}@media(max-width:760px){.hero h1 em{font-size:24px}.receipt{padding:22px}.receipt-total{font-size:39px}.receipt-cash{flex-wrap:wrap}.receipt-metrics{gap:12px}.hero-boundary{font-size:13px}.hero-meta{font-size:12px}}

.reference-scope{font-size:13px;color:var(--muted);margin:17px 0 12px}.reference-table{table-layout:fixed;width:100%}.reference-table caption{padding:0 0 10px;background:transparent;font-size:12px}.reference-table th,.reference-table td{min-width:0;padding:12px 8px;text-align:center;vertical-align:middle}.reference-table th:first-child{text-align:left;width:24%}.reference-table td strong{font-size:24px;display:block;line-height:1.25;color:var(--ink);font-variant-numeric:tabular-nums}.reference-table td small{display:block;font-size:12px;line-height:1.7}.reference-warning{background:#fff6ed;color:#79431e;padding:10px 12px;font-size:12px;line-height:1.7;margin:10px 0 14px}.price-reference .receipt-note{margin-top:16px}.hero{grid-template-columns:minmax(0,1.4fr) minmax(340px,1fr)}@media(max-width:760px){.hero{grid-template-columns:minmax(0,1fr)}.reference-table td strong{font-size:23px}.reference-table th,.reference-table td{padding:11px 5px}}

.brand-logo{display:block;width:96px;height:auto;flex-shrink:0}.brand-tagline{font-size:13px;font-weight:400;line-height:1.8;color:var(--muted);letter-spacing:1px}.header-inner{padding-top:12px;padding-bottom:12px}.footer-logo{display:block;width:118px;height:auto;background:white;border-radius:6px;padding:5px}.footer-phone a{color:white;font-weight:650;font-size:19px;white-space:nowrap}@media(max-width:760px){.brand-logo{width:76px}.brand-tagline{font-size:11px;letter-spacing:0}.brand{gap:9px}.header-inner{gap:12px;padding-top:10px;padding-bottom:12px}.footer-logo{width:105px}}

/* Reserve reading space for the persistent, accessible phone bar. */
body{padding-bottom:calc(5rem + env(safe-area-inset-bottom,0px))}html{scroll-padding-bottom:calc(6rem + env(safe-area-inset-bottom,0px))}.fixed-contact{position:fixed;inset:auto 0 0;z-index:50;background:#172f49;color:#fff;border-top:3px solid #f2b545;box-shadow:0 -4px 18px #172f4920;padding-bottom:env(safe-area-inset-bottom,0px)}.fixed-contact-link{display:flex;align-items:center;justify-content:space-between;gap:16px;max-width:1220px;min-height:4.5rem;margin:0 auto;padding:10px 32px;color:#fff;text-decoration:none}.fixed-contact-link:hover{color:#fff;background:#203d58}.fixed-contact-number{display:flex;align-items:center;gap:20px;line-height:1.3}.fixed-contact-number>span{font-size:14px;color:#e0e8ef}.fixed-contact-number strong{font-size:25px;letter-spacing:.5px;font-variant-numeric:tabular-nums;white-space:nowrap}.fixed-contact-action{font-size:14px;font-weight:650;background:#f2b545;color:#172f49;padding:8px 18px;border-radius:4px;white-space:nowrap}.fixed-contact-link:focus-visible{outline:3px solid #f2b545;outline-offset:-5px}@media(max-width:760px){.fixed-contact-link{padding:9px 20px;gap:12px}.fixed-contact-number{flex-direction:column;align-items:flex-start;gap:3px}.fixed-contact-number>span{font-size:12px}.fixed-contact-number strong{font-size:21px}.fixed-contact-action{font-size:13px;padding:8px 12px}}@media(max-width:360px){.fixed-contact-link{padding-left:15px;padding-right:15px;gap:8px}.fixed-contact-number strong{font-size:19px}.fixed-contact-action{padding:8px 10px}}

.latest-articles{margin-top:2rem;padding-top:1.5rem;border-top:1px solid #d7e1eb}.latest-articles ul{list-style:none;padding:0}.latest-articles li{display:flex;gap:1rem;justify-content:space-between;padding:1rem 0;border-bottom:1px solid #e3eaf1}.latest-articles time{white-space:nowrap;font-size:.875rem;color:#526980}.latest-articles a{overflow-wrap:anywhere}@media(max-width:600px){.latest-articles li{display:block}.latest-articles time{display:block;margin-top:.4rem}.latest-articles .section-heading{display:block}}