/* ============================================================
   Toolaxio 房贷计算器 — 全站样式
   主题：蓝绿 Teal / Cyan 信任专业色系
   ============================================================ */

/* --- Variables -------------------------------------------- */
:root {
  /* Brand */
  --primary:      #0891b2;   /* cyan-600 */
  --primary-dk:   #0e7490;   /* cyan-700 */
  --teal:         #0d9488;   /* teal-600 */
  --grad:         linear-gradient(135deg, #0c4a6e 0%, #0891b2 55%, #0d9488 100%);

  /* Loan type — also consumed by script.js inline styles */
  --commercial:   #2563eb;   /* blue-600 */
  --fund:         #0d9488;   /* teal-600 */

  /* Surfaces */
  --bg:           #f0f9ff;   /* sky-50 */
  --surface:      #ffffff;
  --border:       #e2e8f0;   /* slate-200 */
  --border-li:    #f1f5f9;   /* slate-100 */

  /* Text */
  --text:         #0f172a;   /* slate-900 */
  --text-2:       #475569;   /* slate-600 */
  --text-3:       #94a3b8;   /* slate-400 */

  /* Compat — referenced by script.js via var(--gray-N) */
  --gray-400:     #94a3b8;
  --gray-500:     #64748b;
  --gray-600:     #475569;

  /* Status */
  --good:         #059669;   /* emerald-600 */
  --bad:          #dc2626;   /* red-600 */

  /* Shape & Shadow */
  --r:            10px;
  --r-lg:         16px;
  --r-xl:         24px;
  --shadow:       0 1px 4px rgba(0,0,0,.06), 0 4px 16px rgba(0,0,0,.06);
  --shadow-lg:    0 8px 32px rgba(8,145,178,.14);
}

/* --- Reset ------------------------------------------------ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html  { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body  {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', 'PingFang SC',
               'Microsoft YaHei', Roboto, sans-serif;
  background: var(--bg);
  color: var(--text);
  font-size: 15px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img    { max-width: 100%; display: block; }
button { cursor: pointer; font-family: inherit; }
input, select { font-family: inherit; font-size: inherit; }
a  { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: underline; }
ul, ol { list-style: none; }

/* ============================================================
   SHARED: Navigation
   ============================================================ */
.site-nav {
  position: sticky;
  top: 0;
  z-index: 200;
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 1px 8px rgba(0,0,0,.05);
}
.nav-inner {
  max-width: 960px;
  margin: 0 auto;
  padding: 0 20px;
  height: 56px;
  display: flex;
  align-items: center;
  gap: 16px;
}

/* Brand */
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  flex-shrink: 0;
}
.brand:hover { text-decoration: none; opacity: .9; }
.brand-mark {
  width: 34px; height: 34px;
  background: var(--grad);
  border-radius: 8px;
  color: #fff;
  font-size: 15px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.brand-text { display: flex; flex-direction: column; line-height: 1.2; }
.brand-name { font-weight: 700; font-size: 15px; color: var(--text); }
.brand-by   { font-size: 10px; color: var(--text-3); letter-spacing: .3px; }

/* Nav links */
.nav-links {
  display: flex;
  gap: 20px;
  margin-left: auto;
  align-items: center;
}
.nav-links a {
  color: var(--text-2);
  font-size: 14px;
  text-decoration: none;
  padding: 4px 0;
  border-bottom: 2px solid transparent;
  transition: color .2s, border-color .2s;
  white-space: nowrap;
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--primary);
  border-bottom-color: var(--primary);
  text-decoration: none;
}

/* Help button (index page) */
.nav-help {
  width: 28px; height: 28px;
  border: 1.5px solid var(--border);
  border-radius: 50%;
  background: none;
  color: var(--text-2);
  font-size: 13px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: border-color .2s, color .2s;
  line-height: 1;
}
.nav-help:hover { border-color: var(--primary); color: var(--primary); }

/* ============================================================
   SHARED: Footer
   ============================================================ */
.site-footer {
  background: #0f172a;
  color: rgba(255,255,255,.5);
  margin-top: 60px;
}
.footer-inner {
  max-width: 960px;
  margin: 0 auto;
  padding: 32px 20px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 14px;
  text-align: center;
}
.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  justify-content: center;
}
.footer-links a {
  color: rgba(255,255,255,.65);
  font-size: 13px;
  transition: color .2s;
  text-decoration: none;
}
.footer-links a:hover { color: #fff; text-decoration: none; }
.footer-copy { font-size: 12px; }

/* ============================================================
   SHARED: Breadcrumb
   ============================================================ */
.breadcrumb {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  font-size: 13px;
  color: var(--text-3);
  padding: 16px 0 8px;
}
.breadcrumb li + li::before {
  content: "›";
  padding: 0 8px;
  color: var(--border);
}
.breadcrumb a { color: var(--text-2); text-decoration: none; }
.breadcrumb a:hover { color: var(--primary); }

/* ============================================================
   SHARED: Utility classes used by script.js
   ============================================================ */
.date-badge {
  display: inline-block;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 4px;
  padding: 2px 7px;
  font-size: 11px;
  color: var(--text-2);
  white-space: nowrap;
}

.diff-good    { color: var(--good)  !important; }
.diff-bad     { color: var(--bad)   !important; }
.diff-neutral { color: var(--text-2)!important; }

.note-tag {
  display: inline-block;
  padding: 1px 5px;
  border-radius: 3px;
  font-size: 10px;
  font-weight: 700;
  margin-right: 4px;
  vertical-align: middle;
}
.bg-com  { background: #dbeafe; color: #1d4ed8; }
.bg-fund { background: #ccfbf1; color: #0f766e; }

/* ============================================================
   INDEX: Hero (slim)
   ============================================================ */
.page-hero {
  background: var(--grad);
  color: #fff;
}
.hero-inner {
  max-width: 960px;
  margin: 0 auto;
  padding: 24px 20px;
}
.hero-inner h1 { font-size: 20px; font-weight: 700; margin-bottom: 4px; }
.hero-inner p  { font-size: 13px; opacity: .8; }

/* ============================================================
   INDEX: Calculator layout
   ============================================================ */
.calc-wrap {
  max-width: 960px;
  margin: 0 auto;
  padding: 20px 20px 48px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.form-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 22px 24px;
  box-shadow: var(--shadow);
}
.card-title {
  font-size: 14px;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 18px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.card-subtitle {
  font-size: 12px;
  color: var(--text-3);
  font-weight: 400;
}

/* Date card */
.date-card {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 14px 24px;
}
.field-label {
  font-size: 14px;
  color: var(--text-2);
  font-weight: 500;
  white-space: nowrap;
}
#startDate {
  border: 1.5px solid var(--border);
  border-radius: var(--r);
  padding: 7px 12px;
  font-size: 14px;
  outline: none;
  color: var(--text);
  transition: border-color .2s;
  background: var(--surface);
}
#startDate:focus { border-color: var(--primary); }

/* ============================================================
   INDEX: Loan columns
   ============================================================ */
.loan-cols {
  display: grid;
  grid-template-columns: 1fr 1px 1fr;
  grid-template-rows: auto auto auto;
  column-gap: 24px;
  row-gap: 12px;
}
.loan-divider { background: var(--border); grid-row: 1 / 4; }

.loan-col {
  min-width: 0;
  display: grid;
  grid-template-rows: subgrid;
  grid-row: 1 / 4;
}
.loan-col-header { }
.loan-badge {
  display: inline-block;
  padding: 3px 12px;
  border-radius: 20px;
  font-size: 12px;
  font-weight: 600;
}
.com-badge  { background: #dbeafe; color: #1d4ed8; }
.fund-badge { background: #ccfbf1; color: #0f766e; }

.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
.field-group { display: flex; flex-direction: column; gap: 4px; min-width: 0; }
.field-group > label {
  font-size: 11px;
  color: var(--text-3);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: .4px;
}

.input-unit {
  display: flex;
  align-items: stretch;
  border: 1.5px solid var(--border);
  border-radius: var(--r);
  overflow: hidden;
  transition: border-color .2s;
}
.input-unit:focus-within { border-color: var(--primary); }
.input-unit input {
  flex: 1;
  min-width: 0;
  border: none;
  outline: none;
  padding: 7px 10px;
  font-size: 14px;
  background: transparent;
  color: var(--text);
}
.input-unit span {
  padding: 7px 10px;
  background: var(--bg);
  font-size: 11px;
  color: var(--text-3);
  border-left: 1.5px solid var(--border);
  white-space: nowrap;
  display: flex;
  align-items: center;
}

.field-group > select {
  width: 100%;
  border: 1.5px solid var(--border);
  border-radius: var(--r);
  padding: 7px 10px;
  outline: none;
  background: var(--surface);
  color: var(--text);
  font-size: 14px;
  cursor: pointer;
  transition: border-color .2s;
}
.field-group > select:focus { border-color: var(--primary); }

/* ============================================================
   INDEX: Events section
   ============================================================ */
.events-cols {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.events-col-header {
  font-size: 11px;
  font-weight: 600;
  color: var(--text-2);
  text-transform: uppercase;
  letter-spacing: .5px;
  margin-bottom: 10px;
  padding-bottom: 8px;
  border-bottom: 1.5px solid var(--border-li);
}
.event-list {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 10px;
}

.event-row {
  display: flex;
  align-items: center;
  gap: 5px;
  padding: 7px 8px;
  border: 1.5px solid var(--border);
  border-radius: var(--r);
  background: var(--surface);
  transition: border-color .2s, background .2s;
}
.event-row.type-com  { border-color: #93c5fd; background: #eff6ff; }
.event-row.type-fund { border-color: #5eead4; background: #f0fdfa; }

.event-row select,
.event-row input[type="number"] {
  border: none;
  outline: none;
  background: transparent;
  font-size: 13px;
  color: var(--text);
  min-width: 0;
}
.event-row .evt-type  { width: 64px; flex-shrink: 0; cursor: pointer; }
.event-row .evt-strat { width: 60px; flex-shrink: 0; font-size: 12px; cursor: pointer; }

.evt-month-wrap {
  display: flex;
  align-items: center;
  gap: 4px;
  flex: 1;
  min-width: 0;
}
.evt-month-wrap .evt-month { width: 52px; }

.event-row .input-unit.small {
  border: 1px solid var(--border-li);
  border-radius: 6px;
  background: rgba(255,255,255,.6);
  flex-shrink: 0;
}
.event-row .input-unit.small input { width: 52px; padding: 4px 6px; }
.event-row .input-unit.small span  {
  background: transparent;
  border-left-color: var(--border-li);
  font-size: 11px;
  padding: 4px 6px;
}

.btn-add {
  background: none;
  border: 1.5px dashed var(--border);
  border-radius: var(--r);
  color: var(--primary);
  font-size: 13px;
  padding: 7px 12px;
  width: 100%;
  text-align: center;
  transition: border-color .2s, background .2s;
}
.btn-add:hover { border-color: var(--primary); background: #f0f9ff; }

.btn-del {
  background: none;
  border: none;
  color: var(--text-3);
  font-size: 17px;
  line-height: 1;
  padding: 0 3px;
  flex-shrink: 0;
  transition: color .15s;
}
.btn-del:hover { color: var(--bad); }

/* ============================================================
   INDEX: Tip + Calculate button
   ============================================================ */
.calc-tip {
  font-size: 13px;
  color: var(--text-3);
  text-align: center;
  line-height: 1.6;
}
.btn-calc {
  background: var(--grad);
  color: #fff;
  border: none;
  border-radius: var(--r-lg);
  padding: 14px 20px;
  font-size: 16px;
  font-weight: 600;
  letter-spacing: .4px;
  box-shadow: var(--shadow-lg);
  transition: opacity .2s, transform .15s;
}
.btn-calc:hover  { opacity: .9; transform: translateY(-1px); }
.btn-calc:active { transform: none; }

/* ============================================================
   INDEX: Result / Analysis sections
   ============================================================ */
.result-section {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 24px;
  box-shadow: var(--shadow);
}
.section-title {
  font-size: 17px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 20px;
  padding-left: 13px;
  border-left: 4px solid var(--primary);
}
.subsection-title {
  font-size: 12px;
  font-weight: 600;
  color: var(--text-2);
  margin: 20px 0 10px;
  text-transform: uppercase;
  letter-spacing: .4px;
}

.stat-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 4px;
}
.stat-box {
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 14px 16px;
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.stat-label { font-size: 12px; color: var(--text-2); }
.stat-value { font-size: 22px; font-weight: 700; color: var(--text); }

.chart-wrap {
  width: 100%;
  height: 200px;
  position: relative;
}
.chart-wrap canvas { display: block; }
.chart-legend {
  display: flex;
  gap: 20px;
  justify-content: center;
  margin-top: 8px;
  font-size: 12px;
  color: var(--text-3);
}
.legend-new { color: var(--primary); font-weight: 600; }

.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; margin-top: 4px; }

.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
}
.data-table th {
  background: var(--bg);
  padding: 9px 12px;
  text-align: left;
  font-weight: 600;
  color: var(--text-2);
  white-space: nowrap;
  border-bottom: 1.5px solid var(--border);
}
.data-table td {
  padding: 9px 12px;
  border-bottom: 1px solid var(--border-li);
  vertical-align: middle;
}

.schedule-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
}
.schedule-table th {
  background: var(--bg);
  padding: 9px 12px;
  text-align: center;
  font-weight: 600;
  color: var(--text-2);
  white-space: nowrap;
  border-bottom: 1.5px solid var(--border);
}
.schedule-table td {
  padding: 8px 12px;
  border-bottom: 1px solid var(--border-li);
  text-align: center;
  vertical-align: middle;
}
.schedule-table tbody tr:hover { background: #f8fafc; }

.row-prepay      { background: #fffbeb !important; }
.row-rate-change { background: #f0f9ff !important; }

.summary-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  margin-bottom: 20px;
}
.summary-box {
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 12px 14px;
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.summary-box span   { font-size: 11px; color: var(--text-3); text-transform: uppercase; letter-spacing: .3px; }
.summary-box strong { font-size: 15px; font-weight: 700; color: var(--text); }
.summary-box.com  strong { color: var(--commercial); }
.summary-box.fund strong { color: var(--fund); }

/* ============================================================
   INDEX: Help Modal
   ============================================================ */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,.45);
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
}
.modal-box {
  background: var(--surface);
  border-radius: var(--r-xl);
  max-width: 500px;
  width: 100%;
  box-shadow: 0 24px 64px rgba(0,0,0,.2);
}
.modal-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 24px;
  border-bottom: 1px solid var(--border);
}
.modal-head h3 { font-size: 15px; font-weight: 700; }
.modal-close {
  background: none;
  border: none;
  font-size: 22px;
  color: var(--text-3);
  line-height: 1;
  padding: 2px 6px;
  transition: color .15s;
}
.modal-close:hover { color: var(--text); }
.modal-body {
  padding: 20px 24px;
  font-size: 14px;
  color: var(--text-2);
  line-height: 1.7;
}
.modal-body p      { margin-bottom: 12px; }
.modal-body h4     { font-size: 13px; font-weight: 600; color: var(--text); margin: 14px 0 7px; }
.modal-body ul     { padding-left: 16px; list-style: disc; }
.modal-body ul li  { margin-bottom: 4px; }
.modal-body strong { color: var(--text); }
.modal-note { font-size: 12px; color: var(--text-3) !important; margin-top: 10px !important; }
.modal-foot {
  padding: 14px 24px;
  border-top: 1px solid var(--border);
  text-align: right;
}
.btn-primary {
  background: var(--grad);
  color: #fff;
  border: none;
  border-radius: var(--r);
  padding: 9px 22px;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: opacity .2s;
}
.btn-primary:hover { opacity: .9; }

/* ============================================================
   ABOUT page
   ============================================================ */
.about-hero {
  background: var(--grad);
  color: #fff;
  text-align: center;
  padding: 60px 20px 48px;
}
.about-hero h1 { font-size: 30px; font-weight: 800; margin-bottom: 10px; }
.about-hero p  { font-size: 15px; opacity: .88; max-width: 540px; margin: 0 auto; }

.about-content {
  max-width: 960px;
  margin: 0 auto;
  padding: 0 20px 60px;
}
.about-section {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-xl);
  padding: 36px 40px;
  margin-bottom: 20px;
  box-shadow: var(--shadow);
}
.about-section-title {
  font-size: 20px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 22px;
  padding-left: 16px;
  position: relative;
}
.about-section-title::before {
  content: '';
  position: absolute;
  left: 0; top: 50%;
  transform: translateY(-50%);
  width: 4px; height: 22px;
  background: var(--grad);
  border-radius: 2px;
}

.highlight-box {
  background: linear-gradient(135deg, #f0f9ff, #e0f2fe);
  border-left: 4px solid var(--primary);
  border-radius: 0 var(--r) var(--r) 0;
  padding: 16px 20px;
  margin-bottom: 14px;
  font-size: 15px;
  color: var(--text-2);
  line-height: 1.7;
}
.highlight-key { color: var(--primary); font-weight: 600; }

.feature-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin-top: 16px;
}
.feature-item {
  padding: 18px;
  border: 1px solid var(--border);
  border-radius: var(--r);
  background: var(--bg);
  transition: border-color .2s;
}
.feature-item:hover { border-color: var(--primary); }
.feature-icon  { font-size: 22px; margin-bottom: 8px; }
.feature-item h3 { font-size: 14px; font-weight: 600; color: var(--text); margin-bottom: 6px; }
.feature-item p  { font-size: 13px; color: var(--text-2); line-height: 1.6; }

.advantage-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-top: 14px;
}
.advantage-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 12px 14px;
  background: var(--bg);
  border-radius: var(--r);
}
.adv-check {
  width: 20px; height: 20px;
  background: var(--grad);
  border-radius: 50%;
  color: #fff;
  font-size: 11px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
}
.advantage-item span { font-size: 14px; color: var(--text-2); line-height: 1.5; }

.team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
  margin-top: 16px;
}
.team-card {
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 22px 14px;
  text-align: center;
  background: var(--surface);
  transition: box-shadow .25s, border-color .25s;
  position: relative;
  overflow: hidden;
}
.team-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--grad);
  opacity: 0;
  transition: opacity .25s;
}
.team-card:hover { border-color: #7dd3fc; box-shadow: var(--shadow-lg); }
.team-card:hover::before { opacity: 1; }
.team-avatar {
  width: 68px; height: 68px;
  background: var(--grad);
  border-radius: 50%;
  margin: 0 auto 12px;
  font-size: 26px;
  display: flex; align-items: center; justify-content: center;
  color: #fff;
}
.team-card h3 { font-size: 14px; font-weight: 600; color: var(--text); margin-bottom: 6px; }
.team-role {
  display: inline-block;
  background: #e0f2fe;
  color: var(--primary-dk);
  font-size: 11px;
  padding: 2px 10px;
  border-radius: 12px;
  margin-bottom: 10px;
  font-weight: 500;
}
.team-card p { font-size: 12px; color: var(--text-3); line-height: 1.6; }

.contact-card {
  background: var(--grad);
  border-radius: var(--r-xl);
  padding: 44px 40px;
  color: #fff;
  text-align: center;
}
.contact-card h2 { font-size: 22px; font-weight: 700; margin-bottom: 10px; }
.contact-card > p { font-size: 14px; opacity: .9; }
.contact-email {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.18);
  border-radius: 40px;
  padding: 12px 28px;
  margin-top: 22px;
  color: #fff;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  transition: background .2s;
}
.contact-email:hover { background: rgba(255,255,255,.28); text-decoration: none; }

/* ============================================================
   GUIDE index page
   ============================================================ */
.guide-hero {
  background: var(--grad);
  color: #fff;
  padding: 48px 20px 36px;
}
.guide-hero-inner { max-width: 820px; margin: 0 auto; }
.guide-hero h1 { font-size: 24px; font-weight: 700; margin-bottom: 8px; }
.guide-hero p  { font-size: 13px; opacity: .85; }

.guide-content {
  max-width: 820px;
  margin: 0 auto;
  padding: 0 20px 60px;
}
.guide-main {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-xl);
  padding: 36px 40px;
  box-shadow: var(--shadow);
  margin-top: 4px;
}
.guide-main > h2  { font-size: 20px; font-weight: 700; color: var(--text); margin-bottom: 8px; }
.guide-desc {
  color: var(--text-2);
  font-size: 14px;
  margin-bottom: 28px;
  line-height: 1.7;
}

.article-list {
  display: flex;
  flex-direction: column;
  gap: 8px;
  counter-reset: art;
}
.article-link {
  counter-increment: art;
  display: flex;
  align-items: stretch;
  border: 1px solid var(--border);
  border-radius: var(--r);
  overflow: hidden;
  text-decoration: none;
  color: var(--text);
  font-size: 14px;
  transition: border-color .2s, box-shadow .2s, transform .2s;
}
.article-link::before {
  content: counter(art);
  min-width: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--bg);
  border-right: 1px solid var(--border);
  font-size: 13px;
  font-weight: 600;
  color: var(--text-3);
  flex-shrink: 0;
  transition: background .2s, color .2s;
}
.article-link span {
  padding: 14px 16px;
  flex: 1;
  line-height: 1.5;
}
.article-link:hover {
  border-color: var(--primary);
  box-shadow: 0 4px 16px rgba(8,145,178,.12);
  transform: translateY(-1px);
  text-decoration: none;
  color: var(--primary);
}
.article-link:hover::before { background: var(--primary); color: #fff; }

/* ============================================================
   GUIDE article page
   ============================================================ */
.article-hero {
  background: var(--grad);
  color: #fff;
  padding: 48px 20px 36px;
}
.article-hero-inner { max-width: 820px; margin: 0 auto; }
.article-hero h1 { font-size: 22px; font-weight: 700; margin-bottom: 6px; line-height: 1.4; }
.article-hero p  { font-size: 13px; opacity: .8; }

.article-content {
  max-width: 820px;
  margin: 0 auto;
  padding: 0 20px 60px;
}
.article-body {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-xl);
  padding: 36px 40px;
  box-shadow: var(--shadow);
  margin-top: 4px;
  line-height: 1.8;
  font-size: 15px;
}
.article-byline {
  font-size: 12px;
  color: var(--text-3);
  margin-bottom: 24px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--border);
}
.article-body h2 {
  font-size: 17px;
  font-weight: 700;
  color: var(--text);
  margin: 28px 0 12px;
  padding-left: 12px;
  border-left: 3px solid var(--primary);
}
.article-body h3 { font-size: 14px; font-weight: 600; color: var(--text); margin: 16px 0 8px; }
.article-body p  { color: var(--text-2); font-size: 14px; margin-bottom: 12px; }
.article-body ul, .article-body ol {
  padding-left: 18px;
  color: var(--text-2);
  font-size: 14px;
  margin-bottom: 12px;
}
.article-body ul { list-style: disc; }
.article-body ol { list-style: decimal; }
.article-body li  { margin-bottom: 5px; }
.article-body strong { color: var(--text); }

.step-box {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 14px 18px;
  margin: 12px 0 16px;
}
.step-title {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 600;
  color: var(--text);
  font-size: 14px;
  margin-bottom: 8px;
}
.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 22px; height: 22px;
  background: var(--grad);
  border-radius: 50%;
  color: #fff;
  font-size: 11px;
  font-weight: 700;
  flex-shrink: 0;
}
.step-box p, .step-box ul { margin-bottom: 0; font-size: 14px; color: var(--text-2); }

.tip-box {
  background: #f0fdf4;
  border-left: 4px solid #22c55e;
  border-radius: 0 var(--r) var(--r) 0;
  padding: 12px 16px;
  margin: 14px 0;
  font-size: 13px;
  color: #15803d;
  line-height: 1.6;
}
.warn-box {
  background: #fff7ed;
  border-left: 4px solid #f97316;
  border-radius: 0 var(--r) var(--r) 0;
  padding: 12px 16px;
  margin: 14px 0;
  font-size: 13px;
  color: #c2410c;
  line-height: 1.6;
}

.article-back {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--primary);
  font-size: 14px;
  margin-top: 28px;
  padding-top: 24px;
  border-top: 1px solid var(--border);
  text-decoration: none;
  width: 100%;
}
.article-back:hover { text-decoration: underline; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 860px) {
  .brand-by { display: none; }
  .nav-links { gap: 12px; }
  .nav-links a { font-size: 13px; }
  .nav-inner  { gap: 10px; }

  .loan-cols   { grid-template-columns: 1fr; grid-template-rows: none; gap: 0; }
  .loan-divider { display: none; }
  .loan-col { display: flex; flex-direction: column; gap: 10px; grid-row: auto; grid-template-rows: none; }
  .loan-col + .loan-col { margin-top: 20px; padding-top: 20px; border-top: 1px solid var(--border); }
  .loan-col-header { margin-bottom: 2px; }
  .events-cols { grid-template-columns: 1fr; }

  .about-section { padding: 24px 18px; }
  .feature-grid  { grid-template-columns: 1fr 1fr; }
  .team-grid     { grid-template-columns: 1fr 1fr; }
  .advantage-list { grid-template-columns: 1fr; }
  .contact-card  { padding: 32px 20px; }

  .summary-row { grid-template-columns: 1fr 1fr; }
  .stat-row    { grid-template-columns: 1fr; }

  .guide-main, .article-body { padding: 24px 18px; }
}

@media (max-width: 480px) {
  .feature-grid { grid-template-columns: 1fr; }
  .team-grid    { grid-template-columns: 1fr 1fr; }
  .summary-row  { grid-template-columns: 1fr; }
  .hero-inner h1 { font-size: 17px; }
  .about-hero h1 { font-size: 24px; }
}