:root{--blue:#1a56db;--blue-dark:#0f2a5c;--green:#0e9f6e;--bg:#f4f7fb;--text:#1f2937;--muted:#6b7280;--border:#e5e7eb}
*{margin:0;padding:0;box-sizing:border-box}
body{font-family:system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.65}
a{color:var(--blue);text-decoration:none;transition:color .2s ease}
a:hover{text-decoration:underline}
.wrap{max-width:900px;margin:0 auto;padding:0 18px}
header{background:rgba(255,255,255,.94);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100;transition:box-shadow .3s ease}
header.scrolled{box-shadow:0 4px 24px rgba(15,42,92,.1)}
.topbar{height:3px;background:linear-gradient(90deg,var(--blue) 0%,#0e9f6e 100%)}
.nav{display:flex;align-items:center;justify-content:space-between;height:64px;position:relative}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.16rem;color:var(--blue-dark);transition:transform .25s ease}
.logo:hover{text-decoration:none;transform:scale(1.03)}
.logo-ic{width:35px;height:35px;border-radius:9px;background:linear-gradient(135deg,var(--blue) 0%,#0e9f6e 100%);display:flex;align-items:center;justify-content:center;color:#fff;font-weight:800;font-size:1.05rem;box-shadow:0 3px 8px rgba(26,86,219,.25)}
.logo .grn{color:var(--green)}
.nav ul{display:flex;gap:4px;list-style:none;align-items:center}
.nav ul a{position:relative;display:inline-block;padding:8px 14px;border-radius:8px;color:var(--text);font-weight:600;font-size:.93rem;transition:color .25s ease,background .25s ease}
.nav ul a:not(.blog-btn):after{content:'';position:absolute;left:14px;right:14px;bottom:4px;height:2px;background:var(--blue);border-radius:0;transform:scaleX(0);transform-origin:left;transition:transform .28s ease}
.nav ul a:not(.blog-btn):hover{color:var(--blue);text-decoration:none}
.nav ul a:not(.blog-btn):hover:after{transform:scaleX(1)}
.nav a.blog-btn{background:var(--blue);color:#fff;padding:9px 20px;border-radius:24px;margin-left:6px;transition:background .25s ease,transform .25s ease,box-shadow .25s ease}
.nav a.blog-btn:hover{background:var(--blue-dark);color:#fff;transform:translateY(-2px);box-shadow:0 5px 14px rgba(26,86,219,.35);text-decoration:none}
.menu-btn{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:8px}
.menu-btn span{width:24px;height:2.5px;background:var(--blue-dark);border-radius:2px;transition:transform .3s ease,opacity .3s ease}
.menu-btn.open span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
.menu-btn.open span:nth-child(2){opacity:0}
.menu-btn.open span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}
@media(max-width:680px){
.menu-btn{display:flex}
.nav ul{display:none;position:absolute;top:100%;left:-18px;right:-18px;background:#fff;flex-direction:column;align-items:stretch;padding:10px 18px 16px;border-bottom:1px solid var(--border);box-shadow:0 12px 24px rgba(15,42,92,.1);gap:2px}
.nav ul.open{display:flex}
.nav a.blog-btn{margin-left:0;text-align:center;margin-top:6px}
}
main{padding:34px 0 50px}
h1{font-size:1.9rem;color:var(--blue-dark);margin-bottom:10px;line-height:1.25}
.intro{color:var(--muted);margin-bottom:24px;font-size:1.02rem}
.calc{background:#fff;border:1px solid var(--border);border-radius:14px;padding:26px;box-shadow:0 4px 14px rgba(15,42,92,.06);margin-bottom:34px}
.calc label{display:block;font-weight:600;font-size:.9rem;margin:14px 0 5px}
.calc input,.calc select{width:100%;padding:11px 12px;border:1px solid #cbd5e1;border-radius:8px;font-size:1rem;background:#fff;transition:border-color .2s ease}
.calc input:focus,.calc select:focus{outline:2px solid var(--blue);border-color:var(--blue)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:560px){.row{grid-template-columns:1fr}}
.btn{margin-top:20px;width:100%;background:var(--blue);color:#fff;border:0;border-radius:8px;padding:13px;font-size:1.05rem;font-weight:700;cursor:pointer;transition:background .25s ease,transform .15s ease}
.btn:hover{background:var(--blue-dark)}
.btn:active{transform:scale(.98)}
.result{display:none;margin-top:22px;background:#ecfdf5;border:1px solid #a7f3d0;border-radius:10px;padding:18px}
.result .big{font-size:1.7rem;font-weight:800;color:var(--green)}
.result p{margin:4px 0}
.result table{width:100%;border-collapse:collapse;margin-top:8px;font-size:.95rem}
.result th,.result td{text-align:left;padding:7px 8px;border-bottom:1px solid #d1fae5}
.warn{color:#b45309;font-weight:600}
article h2{font-size:1.35rem;color:var(--blue-dark);margin:26px 0 10px}
article h3{font-size:1.08rem;color:var(--blue-dark);margin:18px 0 6px}
article p{margin-bottom:14px}
article ul{margin:0 0 14px 22px}
article li{margin-bottom:6px}
.related{background:#fff;border:1px solid var(--border);border-radius:14px;padding:22px 24px 24px;margin-top:32px}
.related h3{color:var(--blue-dark);margin-bottom:14px;font-size:1.15rem}
.related ul{list-style:none;display:grid;grid-template-columns:repeat(auto-fill,minmax(215px,1fr));gap:12px}
.related li a{display:flex;flex-direction:column;gap:5px;background:var(--bg);border:1px solid var(--border);border-radius:10px;padding:14px 16px;height:100%;transition:border-color .25s ease,box-shadow .25s ease,transform .25s ease}
.related li a:hover{text-decoration:none;border-color:var(--blue);box-shadow:0 5px 14px rgba(26,86,219,.12);transform:translateY(-3px)}
.rname{font-weight:700;color:var(--blue-dark);font-size:.95rem}
.rblurb{font-size:.8rem;color:var(--muted);font-weight:400;line-height:1.45}
.rgo{font-size:.8rem;color:var(--blue);font-weight:600;margin-top:2px;transition:letter-spacing .25s ease}
.related li a:hover .rgo{letter-spacing:.04em}
.filters{display:flex;gap:8px;flex-wrap:wrap;margin:16px 0 6px}
.fbtn{padding:8px 17px;border-radius:20px;border:1px solid var(--border);background:#fff;font-size:.88rem;font-weight:600;color:var(--text);cursor:pointer;transition:background .25s ease,color .25s ease,border-color .25s ease,transform .2s ease}
.fbtn:hover{border-color:var(--blue);color:var(--blue);transform:translateY(-2px)}
.fbtn.active{background:var(--blue);color:#fff;border-color:var(--blue)}
.fbtn .n{opacity:.65;font-weight:500;font-size:.8rem;margin-left:3px}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px;margin-top:16px}
.card{position:relative;background:#fff;border:1px solid var(--border);border-radius:12px;padding:20px;display:flex;flex-direction:column;gap:9px;transition:box-shadow .25s ease,transform .25s ease,border-color .25s ease}
.card:hover{box-shadow:0 8px 22px rgba(15,42,92,.12);transform:translateY(-4px);border-color:var(--blue)}
.card .ctitle{font-weight:700;color:var(--blue-dark);font-size:1.02rem;line-height:1.35}
.card .ctitle:after{content:'';position:absolute;inset:0}
.card .ctitle:hover{text-decoration:none}
.card p{font-size:.86rem;color:var(--muted);margin:0}
.card .go{margin-top:auto;font-size:.85rem;color:var(--blue);font-weight:600;display:flex;align-items:center;gap:5px;transition:gap .25s ease}
.card:hover .go{gap:10px}
.cat{align-self:flex-start;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;padding:4px 11px;border-radius:12px}
.cat-cd{background:#e6effc;color:#1a56db}
.cat-savings{background:#e7f6ef;color:#0e9f6e}
.cat-debt{background:#fdecec;color:#d23c3c}
.cat-income{background:#f0edfc;color:#6d4fd8}
.cat-everyday{background:#fdf3e3;color:#b97710}
.bgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px;margin-top:16px}
.bcard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--border);border-radius:12px;overflow:hidden;transition:box-shadow .25s ease,transform .25s ease,border-color .25s ease}
.bcard:hover{transform:translateY(-4px);box-shadow:0 8px 22px rgba(15,42,92,.12);border-color:var(--blue);text-decoration:none}
.bimg{height:140px;background:linear-gradient(135deg,var(--blue),#0e9f6e);display:flex;align-items:center;justify-content:center;color:#fff;font-weight:800;font-size:1.9rem;overflow:hidden}
.bimg img{width:100%;height:100%;object-fit:cover;transition:transform .4s ease}
.bcard:hover .bimg img{transform:scale(1.06)}
.bbody{padding:16px 18px 18px;display:flex;flex-direction:column;gap:7px;flex:1}
.bdate{font-size:.78rem;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.04em}
.btitle{font-weight:700;color:var(--blue-dark);font-size:1rem;line-height:1.4}
.bex{font-size:.85rem;color:var(--muted);line-height:1.5}
.bmore{margin-top:auto;font-size:.85rem;color:var(--blue);font-weight:600;transition:letter-spacing .25s ease}
.bcard:hover .bmore{letter-spacing:.03em}
.ballwrap{text-align:center;margin-top:22px}
.ballbtn{display:inline-block;background:#fff;border:1px solid var(--blue);color:var(--blue);padding:11px 26px;border-radius:24px;font-weight:700;font-size:.95rem;transition:background .25s ease,color .25s ease,transform .25s ease,box-shadow .25s ease}
.ballbtn:hover{background:var(--blue);color:#fff;text-decoration:none;transform:translateY(-2px);box-shadow:0 5px 14px rgba(26,86,219,.3)}
h2.sec{font-size:1.5rem;color:var(--blue-dark);margin:36px 0 4px}
footer{background:var(--blue-dark);color:#cbd5e1;padding:46px 0 0;font-size:.9rem}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:34px;padding-bottom:36px}
@media(max-width:820px){.fgrid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.fgrid{grid-template-columns:1fr}}
.flogo{font-weight:800;font-size:1.25rem;color:#fff;display:inline-block;transition:transform .3s ease}
.flogo:hover{transform:scale(1.04);text-decoration:none}
.flogo span{color:#34d399}
.fdesc{margin:12px 0 18px;line-height:1.65;color:#9db0d0}
.fcol h4{color:#fff;font-size:1rem;margin-bottom:14px;position:relative;padding-bottom:8px}
.fcol h4:after{content:'';position:absolute;left:0;bottom:0;width:32px;height:2px;background:#34d399;transition:width .3s ease}
.fcol:hover h4:after{width:56px}
.fcol ul{list-style:none}
.fcol ul li{margin-bottom:10px}
.fcol ul a{color:#cbd5e1;transition:color .25s ease,padding-left .25s ease}
.fcol ul a:hover{color:#fff;padding-left:7px;text-decoration:none}
.social{display:flex;gap:12px}
.social a{width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.08);display:flex;align-items:center;justify-content:center;color:#cbd5e1;transition:background .3s ease,color .3s ease,transform .3s ease}
.social a:hover{transform:translateY(-4px) scale(1.08);color:#fff;text-decoration:none}
.social a.fb:hover{background:#1877F2}
.social a.tw:hover{background:#000}
.social a.ig:hover{background:#E4405F}
.social a.yt:hover{background:#FF0000}
.social svg{width:17px;height:17px;fill:currentColor}
.fbottom{border-top:1px solid rgba(255,255,255,.12);padding:18px 0}
.fbottom p{font-size:.82rem;color:#93a4c3;margin:0;text-align:center}