:root{--blue-50:#EFF6FF;--blue-100:#DBEAFE;--blue-200:#BFDBFE;--blue-500:#3B82F6;--blue-600:#2563EB;--blue-700:#1D4ED8;--blue-800:#1E40AF;--blue-900:#1E3A8A;--sky-50:#F0F9FF;--sky-400:#38BDF8;--sky-500:#0EA5E9;--green:#10B981;--amber:#F59E0B;--red:#EF4444;--text-dark:#0F2247;--text-mid:#334E7A;--text-light:#6B84A8;--shadow-sm:0 1px 3px rgba(30,64,175,.08);--shadow-md:0 4px 16px rgba(30,64,175,.12);--shadow-lg:0 12px 40px rgba(30,64,175,.16);--radius:14px;--radius-lg:22px}.topbar-link{display:flex;align-items:center;gap:6px;color:var(--blue-200);text-decoration:none;font-weight:500;direction:ltr}.logo-sub{font-size:11px;color:var(--text-light)}.nav-links a{padding:6px 14px;border-radius:8px;font-size:14px;font-weight:500;color:var(--text-mid);text-decoration:none;transition:background .2s,color .2s}.article-cat{display:inline-flex;align-items:center;gap:6px;background:var(--blue-100);color:var(--blue-700);padding:5px 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var(--blue-100);border-radius:var(--radius-lg);padding:26px;margin-bottom:16px;display:flex;gap:18px;align-items:flex-start;transition:box-shadow .2s}.reason-card:hover{box-shadow:var(--shadow-md)}.rc-num{width:50px;height:50px;border-radius:14px;background:linear-gradient(135deg,var(--blue-600),var(--sky-500));color:#fff;font-size:20px;font-weight:900;display:flex;align-items:center;justify-content:center;flex-shrink:0}.rc-content h3{font-size:17px;font-weight:800;color:var(--text-dark);margin-bottom:8px}.rc-content p{font-size:14px;color:var(--text-mid);line-height:1.75;margin-bottom:0}.rc-stat{background:var(--blue-50);border-right:3px solid var(--blue-400);padding:9px 13px;border-radius:0 8px 8px 0;font-size:13px;color:var(--blue-700);font-weight:600;margin-top:12px}.rc-quote{background:var(--sky-50);border-right:3px solid var(--sky-400);padding:9px 13px;border-radius:0 8px 8px 0;font-size:13px;color:var(--text-mid);font-style:italic;margin-top:10px}.cost-calc{background:var(--text-dark);border-radius:var(--radius-lg);padding:28px;margin:28px 0}.cc-title{font-size:16px;font-weight:800;color:#fff;margin-bottom:16px}.cc-row{display:flex;align-items:center;justify-content:space-between;padding:10px 0;border-bottom:1px solid rgb(255 255 255 / .08);font-size:14px}.cc-label{color:#94A3B8}.cc-value{color:#fff;font-weight:700}.cc-total{display:flex;align-items:center;justify-content:space-between;padding:16px 0 0;font-size:16px}.cc-total .cc-label{color:var(--blue-200);font-weight:700}.cc-total .cc-value{color:#6EE7B7;font-size:22px;font-weight:900}.need-checklist{background:var(--sky-50);border:1px solid var(--blue-100);border-radius:var(--radius-lg);padding:24px;margin:28px 0}.nc-title{font-size:15px;font-weight:800;color:var(--text-dark);margin-bottom:14px}.nc-items{display:flex;flex-direction:column;gap:10px}.nc-item{display:flex;align-items:flex-start;gap:10px;font-size:14px;color:var(--text-mid)}.nc-box{width:20px;height:20px;border-radius:5px;border:2px solid var(--blue-300);flex-shrink:0;display:flex;align-items:center;justify-content:center;font-size:11px;color:var(--blue-600);background:var(--blue-50);margin-top:1px}.nc-score{font-size:13px;font-weight:700;color:var(--blue-600);margin-top:12px;text-align:center}.cta-box p{font-size:15px;color:var(--blue-200);margin-bottom:24px}.cta-btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}.cb-w{background:#fff;color:var(--blue-700);padding:13px 28px;border-radius:10px;font-size:14px;font-weight:800;text-decoration:none;display:inline-flex;align-items:center;gap:7px;transition:all .2s}.cb-w:hover{transform:translateY(-2px)}.cb-g{background:rgb(255 255 255 / .15);border:2px solid rgb(255 255 255 / .4);color:#fff;padding:11px 24px;border-radius:10px;font-size:14px;font-weight:700;text-decoration:none;display:inline-flex;align-items:center;gap:7px}.tag{font-size:12px;background:var(--blue-50);color:var(--blue-700);padding:4px 12px;border-radius:50px;text-decoration:none}.toc-list li a{display:block;font-size:13px;color:var(--text-mid);text-decoration:none;padding:6px 0;border-bottom:1px solid var(--blue-50)}.toc-list li a:hover{color:var(--blue-600)}.ri-icon{width:38px;height:38px;background:var(--blue-50);border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:17px;flex-shrink:0}.cta-sidebar p{font-size:12px;color:var(--blue-200);margin-bottom:14px}.cta-sidebar a{display:block;background:#fff;color:var(--blue-700);padding:11px;border-radius:9px;font-size:13px;font-weight:800;text-decoration:none}.footer-col a{display:block;font-size:13px;color:#64748B;text-decoration:none;margin-bottom:10px;transition:color 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