:root{
  --bg:#0b1020; --bg2:#0f172a; --card:#111a32; --line:#1f2a48;
  --text:#e6edf7; --muted:#9aa7c2; --accent:#7cc4ff; --accent2:#a78bfa;
  --good:#34d399; --warn:#fbbf24; --bad:#f87171;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0;background:linear-gradient(180deg,#0b1020,#0a0f1f);color:var(--text);font-family:-apple-system,BlinkMacSystemFont,"PingFang SC","Microsoft YaHei","Segoe UI",sans-serif;line-height:1.7}
a{color:var(--accent);text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:1100px;margin:0 auto;padding:0 24px}
header.hero{padding:64px 0 40px;border-bottom:1px solid var(--line);background:radial-gradient(1200px 400px at 80% -10%, rgba(124,196,255,.15), transparent), radial-gradient(800px 300px at 10% 0%, rgba(167,139,250,.12), transparent)}
.hero h1{font-size:clamp(28px,4vw,42px);margin:0 0 12px;letter-spacing:.5px}
.hero .sub{color:var(--muted);max-width:820px}
.badge{display:inline-block;padding:3px 10px;border:1px solid var(--line);border-radius:999px;color:var(--muted);font-size:12px;margin-right:6px}
nav.toc{position:sticky;top:0;background:rgba(11,16,32,.85);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);z-index:10}
nav.toc ul{display:flex;flex-wrap:wrap;gap:6px 14px;list-style:none;margin:0;padding:12px 24px;max-width:1100px;margin:0 auto}
nav.toc a{color:var(--muted);font-size:13px;padding:6px 10px;border-radius:8px}
nav.toc a:hover{background:#142042;color:var(--text);text-decoration:none}
section{padding:48px 0;border-bottom:1px dashed var(--line)}
section h2{font-size:26px;margin:0 0 8px;background:linear-gradient(90deg,#7cc4ff,#a78bfa);-webkit-background-clip:text;background-clip:text;color:transparent}
section .lead{color:var(--muted);margin-top:0;margin-bottom:20px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:16px}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:18px 20px}
.card h3{margin:0 0 8px;font-size:17px;color:#dbe6ff}
.card .meta{font-size:12px;color:var(--muted);margin-bottom:8px}
.tag{display:inline-block;padding:2px 8px;border-radius:6px;font-size:12px;margin-right:6px;border:1px solid var(--line)}
.tag.low{color:#86efac;border-color:#1c5f3e;background:#0f2a1f}
.tag.mid{color:#fcd34d;border-color:#6b4f12;background:#2a210e}
.tag.fx{color:#93c5fd;border-color:#244b88;background:#0f1c33}
.tag.tax{color:#fda4af;border-color:#75223a;background:#2a1019}
table{width:100%;border-collapse:collapse;background:var(--card);border:1px solid var(--line);border-radius:12px;overflow:hidden}
th,td{padding:10px 12px;border-bottom:1px solid var(--line);text-align:left;font-size:14px;vertical-align:top}
th{background:#0f1730;color:#cdd9f7;font-weight:600}
tr:last-child td{border-bottom:none}
.callout{padding:14px 16px;border-left:3px solid var(--accent);background:#0f1a36;border-radius:8px;margin:14px 0;color:#cfd8ee}
.callout.warn{border-left-color:var(--warn);background:#241a08}
.callout.bad{border-left-color:var(--bad);background:#28100f}
.callout.good{border-left-color:var(--good);background:#0c2418}
ul.checklist{list-style:none;padding:0;margin:0}
ul.checklist li{padding:10px 12px;border:1px solid var(--line);border-radius:10px;margin-bottom:8px;background:#0f1730;display:flex;gap:10px;align-items:flex-start;cursor:pointer;transition:all .15s}
ul.checklist li:hover{border-color:#2c3e6f}
ul.checklist input{margin-top:5px;accent-color:#7cc4ff}
ul.checklist li.done{opacity:.55;text-decoration:line-through}
.kbd{font-family:ui-monospace,Menlo,Consolas,monospace;background:#0a1329;border:1px solid var(--line);padding:1px 6px;border-radius:6px;color:#cdd9f7;font-size:12px}
footer{padding:40px 0 60px;color:var(--muted);font-size:13px;text-align:center}
.progress{position:fixed;left:0;top:0;height:3px;width:0;background:linear-gradient(90deg,#7cc4ff,#a78bfa);z-index:100;transition:width .1s}
.allocator{display:grid;grid-template-columns:1fr 1fr;gap:16px;align-items:start}
@media(max-width:780px){.allocator{grid-template-columns:1fr}}
.allocator label{display:flex;justify-content:space-between;font-size:13px;color:var(--muted);margin-top:8px}
.allocator input[type=range]{width:100%;accent-color:#7cc4ff}
.alloc-result{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:16px}
.bar{display:flex;height:14px;border-radius:8px;overflow:hidden;border:1px solid var(--line);margin:10px 0}
.bar > div{height:100%}
.legend{display:flex;flex-wrap:wrap;gap:10px;font-size:12px;color:var(--muted)}
.legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px;vertical-align:middle}
details{background:#0f1730;border:1px solid var(--line);border-radius:10px;padding:10px 14px;margin-bottom:8px}
details summary{cursor:pointer;color:#dbe6ff}
.small{font-size:12px;color:var(--muted)}
hr.sep{border:none;border-top:1px dashed var(--line);margin:20px 0}
.quiz button{background:#142042;color:#dbe6ff;border:1px solid var(--line);border-radius:10px;padding:8px 12px;margin:4px 6px 4px 0;cursor:pointer}
.quiz button:hover{border-color:#7cc4ff}
.quiz .out{margin-top:8px;font-size:14px;color:#cfd8ee}