:root{--primary-color:#2563eb;--primary-dark:#1d4ed8;--primary-light:#3b82f6;--secondary-color:#10b981;--secondary-dark:#059669;--text-primary:#1f2937;--text-secondary:#6b7280;--text-light:#9ca3af;--bg-primary:#ffffff;--bg-secondary:#f9fafb;--bg-tertiary:#f3f4f6;--border-color:#e5e7eb;--border-light:#f3f4f6;--success-color:#10b981;--warning-color:#f59e0b;--danger-color:#ef4444;--info-color:#3b82f6;--shadow-sm:0 1px 2px 0 rgba(0, 0, 0, 0.05);--shadow-md:0 4px 6px -1px rgba(0, 0, 0, 0.1);--shadow-lg:0 10px 15px -3px rgba(0, 0, 0, 0.1);--shadow-xl:0 20px 25px -5px rgba(0, 0, 0, 0.1);--radius-sm:6px;--radius-md:8px;--radius-lg:12px;--radius-xl:16px}*{margin:0;padding:0;box-sizing:border-box}body{font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;font-size:16px;line-height:1.6;color:var(--text-primary);background-color:var(--bg-secondary);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}.container{max-width:1200px;margin:0 auto;padding:0 20px}.header{background:var(--bg-primary);border-bottom:1px solid var(--border-color);padding:20px 0;position:sticky;top:0;z-index:100;box-shadow:var(--shadow-sm)}.header-content{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:20px}.logo{font-size:22px;font-weight:700;color:var(--primary-color);display:flex;align-items:center;gap:10px}.logo i{font-size:26px}.nav{display:flex;gap:30px;align-items:center}.nav a{color:var(--text-secondary);text-decoration:none;font-weight:500;transition:color 0.3s;padding:8px 0;border-bottom:2px solid #fff0}.nav a:hover,.nav a.active{color:var(--primary-color);border-bottom-color:var(--primary-color)}.hero{background:linear-gradient(135deg,#667eea 0%,#764ba2 100%);padding:60px 0;color:#fff;text-align:center}.hero-title{font-size:42px;font-weight:800;margin-bottom:16px;text-shadow:0 2px 4px rgb(0 0 0 / .1)}.hero-subtitle{font-size:18px;font-weight:400;opacity:.95;max-width:700px;margin:0 auto 24px}.hero-badge{display:inline-flex;align-items:center;gap:10px;background:rgb(255 255 255 / .2);padding:12px 24px;border-radius:var(--radius-lg);backdrop-filter:blur(10px)}.hero-badge i{font-size:20px}.main{padding:40px 0 80px}.calculator-wrapper{background:var(--bg-primary);border-radius:var(--radius-xl);box-shadow:var(--shadow-lg);padding:40px;margin-bottom:40px}.intro-text{text-align:center;margin-bottom:40px;padding:20px;background:var(--bg-tertiary);border-radius:var(--radius-lg);border-left:4px solid var(--primary-color)}.intro-text p{font-size:16px;color:var(--text-secondary);line-height:1.7}.calculator-section{margin-bottom:50px;padding:30px;background:var(--bg-secondary);border-radius:var(--radius-lg);border:1px solid var(--border-color)}.section-header{display:flex;align-items:center;gap:20px;margin-bottom:30px;padding-bottom:20px;border-bottom:2px solid var(--border-color)}.section-icon{width:60px;height:60px;background:linear-gradient(135deg,var(--primary-color),var(--primary-light));border-radius:var(--radius-lg);display:flex;align-items:center;justify-content:center;color:#fff;font-size:28px;flex-shrink:0}.section-icon.savings{background:linear-gradient(135deg,var(--secondary-color),#34d399)}.section-title{font-size:26px;font-weight:700;color:var(--text-primary);margin-bottom:4px}.section-subtitle{font-size:14px;color:var(--text-secondary)}.input-group{margin-bottom:24px}.input-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:24px;margin-bottom:24px}.input-label{display:flex;align-items:center;gap:8px;font-weight:600;font-size:14px;color:var(--text-primary);margin-bottom:10px}.tooltip{display:inline-flex;align-items:center;justify-content:center;cursor:help;position:relative}.tooltip i{color:var(--text-light);font-size:14px}.tooltip:hover i{color:var(--primary-color)}.tooltip::after{content:attr(data-tooltip);position:absolute;bottom:100%;left:50%;transform:translateX(-50%);background:var(--text-primary);color:#fff;padding:8px 12px;border-radius:var(--radius-sm);font-size:12px;white-space:nowrap;opacity:0;pointer-events:none;transition:opacity 0.3s;margin-bottom:8px;z-index:10}.tooltip:hover::after{opacity:1}.input-wrapper{position:relative;display:flex;align-items:center}.input-field{width:100%;padding:14px 16px;padding-left:36px;font-size:16px;border:2px solid var(--border-color);border-radius:var(--radius-md);background:var(--bg-primary);color:var(--text-primary);transition:all 0.3s;font-family:inherit}.input-field:focus{outline:none;border-color:var(--primary-color);box-shadow:0 0 0 3px rgb(37 99 235 / .1)}.input-prefix{position:absolute;left:16px;font-weight:600;color:var(--text-secondary);pointer-events:none}.input-suffix{position:absolute;right:16px;font-weight:600;color:var(--text-secondary);pointer-events:none}input[type="number"]::-webkit-inner-spin-button,input[type="number"]::-webkit-outer-spin-button{-webkit-appearance:none;margin:0}.calculate-btn{width:100%;padding:16px 32px;font-size:18px;font-weight:600;color:#fff;background:linear-gradient(135deg,var(--primary-color),var(--primary-light));border:none;border-radius:var(--radius-lg);cursor:pointer;transition:all 0.3s;display:flex;align-items:center;justify-content:center;gap:12px;box-shadow:var(--shadow-md)}.calculate-btn:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg)}.calculate-btn:active{transform:translateY(0)}.calculate-btn i{font-size:20px}.affordability-results{margin-top:30px;animation:fadeIn 0.5s ease-in-out}.result-card{background:var(--bg-primary);border:2px solid var(--border-color);border-radius:var(--radius-lg);padding:20px;margin-bottom:16px}.result-card.highlight{background:linear-gradient(135deg,rgb(37 99 235 / .05),rgb(59 130 246 / .05));border-color:var(--primary-color);padding:30px}.result-label{font-size:13px;font-weight:600;color:var(--text-secondary);text-transform:uppercase;letter-spacing:.5px;margin-bottom:8px}.result-value{font-size:36px;font-weight:800;color:var(--primary-color);line-height:1;margin-bottom:8px}.result-value.small{font-size:24px}.result-note{font-size:13px;color:var(--text-light);font-style:italic}.result-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px}.results-section{margin-top:40px;animation:fadeIn 0.5s ease-in-out}.result-panel{background:var(--bg-primary);border:1px solid var(--border-color);border-radius:var(--radius-xl);padding:30px;margin-bottom:30px;box-shadow:var(--shadow-md)}.panel-title{font-size:20px;font-weight:700;color:var(--text-primary);margin-bottom:24px;display:flex;align-items:center;gap:12px}.panel-title i{color:var(--primary-color);font-size:22px}.timeline-result{text-align:center}.timeline-main{margin-bottom:30px}.timeline-value{font-size:72px;font-weight:800;color:var(--primary-color);line-height:1;margin-bottom:8px}.timeline-label{font-size:18px;color:var(--text-secondary);font-weight:500}.timeline-details{display:flex;justify-content:center;gap:40px;flex-wrap:wrap}.timeline-item{display:flex;align-items:center;gap:10px;font-size:16px;color:var(--text-primary);font-weight:600}.timeline-icon{color:var(--secondary-color);font-size:20px}.progress-container{margin-top:30px;padding:20px;background:var(--bg-tertiary);border-radius:var(--radius-lg)}.progress-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px;font-weight:600;color:var(--text-primary)}.progress-bar{height:24px;background:var(--bg-primary);border-radius:var(--radius-lg);overflow:hidden;margin-bottom:12px;border:2px solid var(--border-color)}.progress-fill{height:100%;background:linear-gradient(90deg,var(--secondary-color),#34d399);transition:width 1s ease-in-out;display:flex;align-items:center;justify-content:flex-end;padding-right:10px;color:#fff;font-weight:700;font-size:12px}.progress-footer{display:flex;justify-content:space-between;font-size:14px;color:var(--text-secondary);font-weight:600}.breakdown-list{display:flex;flex-direction:column;gap:16px}.breakdown-item{display:flex;justify-content:space-between;align-items:center;padding:16px;background:var(--bg-tertiary);border-radius:var(--radius-md);border-left:4px solid var(--primary-light)}.breakdown-item.total{background:linear-gradient(135deg,rgb(37 99 235 / .1),rgb(59 130 246 / .1));border-left-color:var(--primary-color);padding:20px;margin-top:8px}.breakdown-label{font-size:15px;color:var(--text-primary);font-weight:500}.breakdown-item.total .breakdown-label{font-size:17px;font-weight:700}.breakdown-value{font-size:18px;font-weight:700;color:var(--primary-color)}.breakdown-item.total .breakdown-value{font-size:24px}.chart-container{position:relative;padding:20px;background:var(--bg-tertiary);border-radius:var(--radius-lg)}.milestone-list{display:flex;flex-direction:column;gap:16px}.milestone-item{display:flex;align-items:flex-start;gap:16px;padding:20px;background:var(--bg-tertiary);border-radius:var(--radius-lg);border-left:4px solid var(--secondary-color)}.milestone-icon{width:48px;height:48px;background:var(--secondary-color);border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-size:20px;flex-shrink:0}.milestone-content{flex:1}.milestone-title{font-size:16px;font-weight:700;color:var(--text-primary);margin-bottom:4px}.milestone-amount{font-size:20px;font-weight:800;color:var(--secondary-color);margin-bottom:4px}.milestone-date{font-size:13px;color:var(--text-secondary)}.content-section{background:var(--bg-primary);border-radius:var(--radius-xl);padding:50px 40px;margin-bottom:40px;box-shadow:var(--shadow-lg)}.content-title{font-size:36px;font-weight:800;color:var(--text-primary);margin-bottom:30px;text-align:center}.content-block{margin-bottom:40px}.content-block h3{font-size:26px;font-weight:700;color:var(--text-primary);margin-bottom:16px;padding-bottom:12px;border-bottom:3px solid var(--primary-color)}.content-block h4{font-size:20px;font-weight:600;color:var(--text-primary);margin:24px 0 12px}.content-block p{margin-bottom:16px;line-height:1.8;color:var(--text-secondary)}.content-block ul,.content-block ol{margin:16px 0;padding-left:30px}.content-block li{margin-bottom:10px;line-height:1.8;color:var(--text-secondary)}.content-block strong{color:var(--text-primary);font-weight:600}.example-box,.formula-box,.rule-box,.tip-box,.warning-box{padding:24px;border-radius:var(--radius-lg);margin:24px 0;border-left:4px solid}.example-box{background:rgb(59 130 246 / .05);border-left-color:var(--info-color)}.example-box h4{color:var(--info-color);display:flex;align-items:center;gap:10px;margin-top:0}.formula-box{background:rgb(16 185 129 / .05);border-left-color:var(--secondary-color);font-family:'Courier New',monospace;font-size:16px;color:var(--text-primary)}.rule-box{background:var(--bg-tertiary);border-left-color:var(--primary-color)}.rule-item{display:flex;align-items:center;gap:20px;margin:16px 0}.rule-number{font-size:48px;font-weight:800;color:var(--primary-color);line-height:1}.rule-text{flex:1;font-size:15px}.tip-box{background:rgb(245 158 11 / .05);border-left-color:var(--warning-color)}.warning-box{background:rgb(239 68 68 / .05);border-left-color:var(--danger-color)}.info-section{background:var(--bg-primary);border-radius:var(--radius-xl);padding:50px 40px;margin-bottom:40px;box-shadow:var(--shadow-lg)}.info-title{font-size:32px;font-weight:800;color:var(--text-primary);margin-bottom:40px;text-align:center;display:flex;align-items:center;justify-content:center;gap:16px}.info-title i{color:var(--primary-color)}.benefits-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:30px}.benefit-card{background:var(--bg-secondary);border:1px solid var(--border-color);border-radius:var(--radius-lg);padding:30px;text-align:center;transition:all 0.3s}.benefit-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);border-color:var(--primary-color)}.benefit-icon{width:80px;height:80px;background:linear-gradient(135deg,var(--primary-color),var(--primary-light));border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-size:36px;margin:0 auto 20px}.benefit-card h4{font-size:20px;font-weight:700;color:var(--text-primary);margin-bottom:12px}.benefit-card p{font-size:15px;color:var(--text-secondary);line-height:1.7}.tips-grid{display:grid;gap:24px}.tip-card{display:flex;gap:24px;background:var(--bg-secondary);border:1px solid var(--border-color);border-radius:var(--radius-lg);padding:24px;transition:all 0.3s}.tip-card:hover{border-color:var(--secondary-color);box-shadow:var(--shadow-md)}.tip-number{width:50px;height:50px;background:linear-gradient(135deg,var(--secondary-color),#34d399);border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-size:24px;font-weight:800;flex-shrink:0}.tip-content h4{font-size:18px;font-weight:700;color:var(--text-primary);margin-bottom:8px}.tip-content p{font-size:15px;color:var(--text-secondary);line-height:1.7}.disclaimer{margin-top:50px;padding:24px;background:rgb(239 68 68 / .05);border:1px solid rgb(239 68 68 / .2);border-radius:var(--radius-lg)}.disclaimer h4{color:var(--danger-color);display:flex;align-items:center;gap:10px;margin-bottom:12px}.disclaimer p{font-size:13px;color:var(--text-secondary);line-height:1.8}a{color:var(--primary-color);text-decoration:none;transition:color 0.3s}a:hover{color:var(--primary-dark);text-decoration:underline}@keyframes fadeIn{from{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}@media (max-width:768px){.hero-title{font-size:32px}.hero-subtitle{font-size:16px}.calculator-wrapper{padding:24px}.calculator-section{padding:20px}.section-title{font-size:22px}.section-icon{width:50px;height:50px;font-size:24px}.input-row{grid-template-columns:1fr}.result-value{font-size:28px}.timeline-value{font-size:56px}.content-section{padding:30px 20px}.content-title{font-size:28px}.content-block h3{font-size:22px}.benefits-grid{grid-template-columns:1fr}.nav{width:100%;justify-content:center}.header-content{flex-direction:column;text-align:center}.result-panel{padding:20px}.info-section{padding:30px 20px}}@media (max-width:480px){.hero{padding:40px 0}.hero-title{font-size:26px}.calculate-btn{font-size:16px;padding:14px 24px}.timeline-value{font-size:42px}.timeline-details{flex-direction:column;gap:16px}}