@font-face{font-family:Conatus;src:url('/assets/conatus-sans.woff') format('woff');font-weight:300 400;font-display:swap}
@font-face{font-family:Conatus;src:url('/assets/conatus-sans-medium.woff') format('woff');font-weight:500 700;font-display:swap}
:root{--paper:#FBFBFB;--brown:#3B281A;--gold:#BE9C6C;--surface:var(--paper);--text:var(--brown);--muted:rgba(59,40,26,.82);--line:rgba(59,40,26,.19);--sans:Conatus,'PingFang SC','Microsoft YaHei',Arial,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:28px}body{margin:0;background:var(--paper);color:var(--text);font:400 1rem/1.8 var(--sans);-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}button{font:inherit;color:inherit;cursor:pointer}button,a,summary{touch-action:manipulation;-webkit-tap-highlight-color:transparent}img{display:block;max-width:100%;height:auto}h1,h2,h3,p,figure,dl,dd{margin:0}h1,h2,h3{font-weight:500;line-height:1.35;text-wrap:balance}html[lang=zh-CN] h1,html[lang=zh-CN] h2,html[lang=zh-CN] h3{font-weight:600}h1{font-size:clamp(2.8rem,5.15vw,4.6rem);line-height:1.19;letter-spacing:-.01em}h2{font-size:clamp(1.8rem,2.75vw,2.4rem);line-height:1.4}h3{font-size:1.0625rem}p+p{margin-top:16px}[hidden]{display:none!important}a:focus-visible,button:focus-visible,summary:focus-visible{outline:2px solid var(--gold);outline-offset:6px}::selection{background:var(--gold);color:var(--brown)}
.wrap{width:min(1120px,calc(100% - 112px));margin-inline:auto;position:relative;z-index:1}.dark{--surface:var(--brown);--text:var(--paper);--muted:rgba(251,251,251,.84);--line:rgba(251,251,251,.23);background:var(--surface);color:var(--text)}.skip-link{position:fixed;z-index:100;top:10px;left:16px;transform:translateY(-160%);background:var(--paper);color:var(--brown);padding:12px 18px}.skip-link:focus{transform:none}
.hero-shell,.chapter{position:relative;isolation:isolate;overflow:hidden;background:var(--surface);color:var(--text)}.chapter-backdrop{position:absolute;inset:0;z-index:0;pointer-events:none}.chapter-backdrop img{width:100%;height:100%;object-fit:cover;filter:saturate(.65)}.chapter-backdrop:after{content:'';position:absolute;inset:0;background:rgba(251,251,251,.96)}.dark>.chapter-backdrop:after{background:rgba(59,40,26,.94)}.hero-shell>.chapter-backdrop:after{background:linear-gradient(90deg,#3B281A 0%,rgba(59,40,26,.94) 24%,rgba(59,40,26,.69) 60%,rgba(59,40,26,.30) 100%),linear-gradient(0deg,#3B281A 0%,transparent 40%)}.hero-shell .chapter-backdrop img{object-position:65% 50%;filter:saturate(.7)}
.site-header{display:flex;align-items:center;gap:32px;min-height:108px;border-bottom:1px solid var(--line)}.brand{margin-right:auto;flex:none}.brand img{width:178px}.main-nav{display:flex;gap:30px;font-size:.875rem}.main-nav a,.header-tools a{display:inline-flex;align-items:center;min-height:44px}.header-tools{display:flex;gap:20px;font-size:.875rem}.menu-trigger{display:none;min-height:44px;background:none;border:0;padding:0 4px}.mobile-menu{padding:12px 0 22px;border-bottom:1px solid var(--line)}.mobile-menu a{display:block;padding:10px 0}.hero{padding:95px 0 100px;min-height:540px;display:flex;align-items:center}.hero-copy{max-width:680px}.hero h1{color:var(--gold)}.kicker,.eyebrow{font:400 .75rem/1.5 Arial,sans-serif;letter-spacing:.14em;color:var(--muted)}.kicker{margin-bottom:26px}.eyebrow{margin-bottom:20px}.hero-description{font-size:1.0625rem;max-width:29em;color:var(--muted);margin-top:28px}.actions{display:flex;gap:30px;align-items:center;flex-wrap:wrap;margin-top:34px}.primary-button{font-size:.9375rem;display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:10px 26px;border:1px solid var(--gold);background:var(--gold);color:var(--brown);flex:none}.text-link{font-size:.9375rem;padding:10px 0;text-decoration:underline;text-underline-offset:7px;text-decoration-thickness:1px;text-decoration-color:var(--line)}.hero-bottom{display:flex;justify-content:space-between;gap:24px;font-size:.75rem;color:var(--muted);border-top:1px solid var(--line);padding:20px 0 24px}
.chapter{padding:88px 0}.section-top{display:grid;grid-template-columns:1.1fr 1fr;gap:90px;align-items:end}.lead{font-size:1rem;line-height:1.85;color:var(--muted);max-width:36em}.section-top .lead{padding-bottom:4px}.facts{display:grid;grid-template-columns:1fr 1fr;gap:54px;margin-top:40px}.fact{padding:26px 0 30px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.fact>p{font-size:.9375rem;color:var(--muted)}.fact strong{font-size:clamp(2.5rem,4.2vw,3.45rem);line-height:1.2;font-weight:500;letter-spacing:-.035em;display:block;margin:13px 0}.fact>span{font-size:.875rem;color:var(--muted)}.basics{display:grid;grid-template-columns:1fr 1fr;gap:54px;margin:30px 0}.basics h3{margin-bottom:9px}.basics p{color:var(--muted)}.small-note{font-size:.875rem;line-height:1.85;color:var(--muted);margin-top:24px}.budget-disclosure{border-top:1px solid var(--line)}.cost-details{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:30px}.cost-details h3{margin-bottom:10px}.split-section{display:grid;grid-template-columns:1fr 1.2fr;gap:100px;align-items:start}.section-intro .lead{margin-top:24px}.section-intro .small-note{max-width:28em}.income-table{border-top:1px solid var(--line)}.income-row{display:flex;align-items:center;justify-content:space-between;gap:24px;border-bottom:1px solid var(--line);padding:21px 0}.income-row dt{font-size:.9375rem}.income-row dd{white-space:nowrap;display:flex;align-items:baseline;gap:6px}.income-row strong{font-size:1.85rem;font-weight:500;color:var(--gold);letter-spacing:-.02em}.income-row dd span{font-size:.75rem;color:var(--muted)}.income-example{margin-top:19px}.disclosures{margin-top:28px;border-top:1px solid var(--line)}
.process-list{list-style:none;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:32px;padding:0;margin:40px 0 0}.process-list li{padding-top:23px;border-top:1px solid var(--line)}.process-list h3{margin-bottom:13px}.process-list p{color:var(--muted)}.process-note{margin-top:28px}.obligations{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:40px;margin-top:38px}.obligations article{border-top:1px solid var(--line);padding-top:24px}.obligations h3{margin-bottom:12px}.obligations p{color:var(--muted)}
details{border-bottom:1px solid var(--line)}summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:baseline;gap:24px;font-size:1rem;font-weight:500;line-height:1.7;padding:20px 0}summary::-webkit-details-marker{display:none}summary:after{content:'展开';font-size:.8125rem;font-weight:400;white-space:nowrap;color:var(--muted)}details[open]>summary:after{content:'收起'}html[lang=en] summary:after{content:'Read'}html[lang=en] details[open]>summary:after{content:'Close'}.answer{color:var(--muted);padding:0 0 24px;max-width:64em}.answer p{font-size:1rem;line-height:1.85}.faq-layout{display:grid;grid-template-columns:1fr 1.65fr;gap:70px}.faq-list{border-top:1px solid var(--line)}.closing{display:flex;align-items:center;justify-content:space-between;gap:40px;border-top:1px solid var(--line);margin-top:64px;padding:40px 0}.closing h2{font-size:clamp(1.5rem,2.2vw,1.9rem)}.closing p{margin-top:12px;color:var(--muted)}.source-disclosure{border-top:1px solid var(--line)}.source-disclosure>summary{font-size:.875rem}.source-disclosure .answer p,.photo-credits li,.photo-credits h3{font-size:.875rem}.source-list{display:grid;gap:10px;margin:20px 0}.source-list a,.photo-credits a{text-decoration:underline;text-decoration-color:var(--line);text-underline-offset:4px;font-size:.875rem}.photo-credits{margin-top:26px}.photo-credits ul{padding-left:20px}.photo-credits li{margin:8px 0}.disclaimer{color:var(--muted);font-size:.8125rem;line-height:1.85;margin-top:21px}
@media(max-width:1100px){.wrap{width:calc(100% - 72px)}.site-header{gap:22px}.main-nav{gap:22px}.section-top{gap:50px}.split-section{gap:55px}.process-list{gap:24px}.faq-layout{gap:42px}.income-row{gap:12px}.income-row strong{font-size:1.65rem}}
@media(max-width:820px){.wrap{width:calc(100% - 48px)}.site-header{min-height:90px;gap:16px}.brand img{width:154px}.main-nav{display:none}.menu-trigger{display:block}.header-tools{gap:20px}.hero{min-height:470px;padding:65px 0 75px}.hero h1{font-size:clamp(2.6rem,9vw,3.65rem);line-height:1.25}.hero-description{font-size:1rem;max-width:28em;margin-top:25px}.kicker{font-size:.75rem;letter-spacing:.09em;margin-bottom:24px}.actions{gap:24px;margin-top:29px}.hero-bottom{display:grid;gap:8px;padding:18px 0 22px}.chapter{padding:60px 0}.section-top,.split-section,.faq-layout{grid-template-columns:1fr;gap:25px}.section-top .lead{padding:0}.eyebrow{margin-bottom:15px;letter-spacing:.1em}h2{font-size:1.85rem}.facts{gap:30px;margin-top:30px}.fact{padding:22px 0}.fact strong{font-size:2.65rem}.basics{gap:30px}.cost-details{grid-template-columns:1fr;gap:22px}.section-intro .lead{margin-top:19px}.section-intro .small-note{max-width:none;margin-top:16px}.income-row{padding:20px 0}.income-row strong{font-size:1.85rem}.income-row dd span{font-size:.8125rem}.process-list{grid-template-columns:1fr 1fr;gap:28px 30px;margin-top:30px}.obligations{grid-template-columns:1fr;gap:23px;margin-top:30px}.obligations article{padding-top:21px}.obligations h3{margin-bottom:10px}.faq-layout{gap:28px}.closing{margin-top:45px;gap:26px;padding:32px 0;align-items:flex-start;flex-direction:column}.hero-shell>.chapter-backdrop:after{background:linear-gradient(90deg,rgba(59,40,26,.97),rgba(59,40,26,.82)),linear-gradient(0deg,#3B281A,transparent 70%)}.chapter-backdrop:after{background:rgba(251,251,251,.97)}.dark>.chapter-backdrop:after{background:rgba(59,40,26,.95)}}
@media(max-width:540px){.facts{grid-template-columns:1fr;gap:0}.fact{border-bottom:0;display:grid;grid-template-columns:minmax(0,1fr) auto;gap:5px 12px;align-items:center;padding:23px 0}.fact:last-child{border-bottom:1px solid var(--line)}.fact>p{grid-column:1;font-size:.875rem}.fact strong{grid-column:2;grid-row:1/3;margin:0;font-size:1.95rem;white-space:nowrap}.fact>span{grid-column:1;font-size:.8125rem}.basics{grid-template-columns:1fr;gap:23px;margin:27px 0}.process-list{grid-template-columns:1fr;gap:23px}.process-list li{padding-top:21px}.process-list h3{margin-bottom:9px}.income-row dt{max-width:10em;font-size:.875rem}.income-row strong{font-size:1.6rem}.income-row dd{gap:4px}.income-row dd span{font-size:.75rem}.small-note{margin-top:20px}summary{gap:18px;padding:19px 0}.primary-button{min-height:48px;padding:10px 22px}}
@media(max-width:380px){.wrap{width:calc(100% - 40px)}.brand img{width:140px}.header-tools{gap:13px}.hero h1{font-size:2.45rem}.fact strong{font-size:1.7rem}.fact>p{font-size:.8125rem}.income-row{align-items:flex-start}.income-row dd{flex-wrap:wrap;justify-content:flex-end}.income-row strong{font-size:1.45rem}.actions{gap:15px}.primary-button,.text-link{font-size:.875rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}