:root{
    --ink:#122436; --ink-soft:#3c5163;
    --paper:#eef2f2; --paper-card:#ffffff; --line:#c9d3d2;
    --delft:#1e3a5f; --delft-deep:#0f2340;
    --gold:#c98a1f; --wine:#8c2a3a; --teal:#1f6f78;
    --radius:3px;
  }
  *{box-sizing:border-box;}
  body{margin:0;background:var(--paper);color:var(--ink);font-family:system-ui,"Microsoft YaHei",sans-serif;line-height:1.55;}
  h1,h2,.serif{font-family:Georgia,"Microsoft YaHei",serif;}
  .wrap{max-width:920px;margin:0 auto;padding:40px 24px 80px;}
  header.page-head{border-bottom:1px solid var(--line);padding-bottom:28px;margin-bottom:32px;}
  header.page-head h1{font-size:clamp(28px,4vw,38px);font-weight:700;margin:0 0 10px;color:var(--delft-deep);letter-spacing:-0.01em;}
  header.page-head p{max-width:600px;color:var(--ink-soft);font-size:15px;margin:0;}

  .card{
    background:var(--paper-card);
    border:1px solid var(--line);
    border-radius:var(--radius);
    padding:26px 28px;
    margin-bottom:24px;
  }
  .card h2{font-size:19px;margin:0 0 6px;color:var(--delft-deep);}
  .card .desc{font-size:13.5px;color:var(--ink-soft);margin-bottom:20px;}

  .field-row{display:flex;gap:20px;flex-wrap:wrap;margin-bottom:18px;}
  .field{flex:1;min-width:200px;}
  .field label{display:block;font-size:13px;color:var(--ink-soft);margin-bottom:6px;}
  .field input, .field select{
    width:100%;
    font-family:inherit;
    font-size:15px;
    padding:9px 10px;
    border:1px solid var(--line);
    border-radius:var(--radius);
    background:#fff;
    color:var(--ink);
  }
  .radio-group{display:flex;gap:14px;flex-wrap:wrap;}
  .radio-group label{
    display:flex; align-items:center; gap:6px;
    font-size:13.5px; color:var(--ink);
    border:1px solid var(--line);
    padding:8px 12px;
    border-radius:var(--radius);
    cursor:pointer;
  }
  .radio-group input{margin:0;}

  .result{
    background:#eaf0f6;
    border:1px solid #c9d8e6;
    border-radius:var(--radius);
    padding:18px 20px;
    margin-top:8px;
  }
  .result .big{
    font-family:Georgia,"Microsoft YaHei",serif;
    font-size:32px;
    font-weight:700;
    color:var(--delft-deep);
  }
  .result .sub{font-size:13px;color:var(--ink-soft);margin-top:4px;}
  .result .warn{color:var(--wine);font-weight:600;}

  .budget-band{
    display:flex;
    border-radius:var(--radius);
    overflow:hidden;
    height:34px;
    margin-top:14px;
    border:1px solid var(--line);
  }
  .budget-band div{display:flex;align-items:center;justify-content:center;font-size:11.5px;color:#fff;}
  .b-safe{background:var(--teal);}
  .b-tight{background:var(--gold);}
  .b-risky{background:var(--wine);}

  ul.pitfalls{margin:0;padding-left:20px;}
  ul.pitfalls li{margin-bottom:12px;font-size:14px;}
  ul.pitfalls li strong{color:var(--delft-deep);}

  .note{margin-top:12px;font-size:12.5px;color:var(--ink-soft);border-top:1px solid var(--line);padding-top:16px;}

  .site-nav{background:var(--delft-deep);border-bottom:1px solid #0a1c30;}
  .site-nav-inner{max-width:1080px;margin:0 auto;padding:14px 24px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:10px;}
  .site-nav .brand{font-family:Georgia,"Microsoft YaHei",serif;font-size:17px;font-weight:700;color:#fff;text-decoration:none;letter-spacing:-0.01em;}
  .site-nav nav{display:flex;gap:4px;flex-wrap:wrap;}
  .site-nav nav a{color:#cdd9e3;text-decoration:none;font-size:13.5px;padding:7px 12px;border-radius:var(--radius);}
  .site-nav nav a:hover{background:rgba(255,255,255,0.08);color:#fff;}
  .site-nav nav a.current{background:rgba(255,255,255,0.14);color:#fff;font-weight:600;}