*{box-sizing:border-box;margin:0;padding:0}
:root{--navy:#1d3461;--navy2:#121e3a;--ink:#232a3d;--muted:#5d6679;--faint:#8b93a7;
--red:#d80621;--gold:#e8b84b;--golddeep:#9a6b1a;--goldsoft:#fdf3df;--bg:#faf9f6;--card:#fff;--line:#e9e6db;
--bluesoft:#eef3fc}
html{scroll-behavior:smooth}
body{font-family:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.75;font-size:17px;-webkit-font-smoothing:antialiased}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.narrow{max-width:780px;margin:0 auto;padding:0 24px}
h1,h2.sec{font-family:"Fraunces",Georgia,"Times New Roman",serif}
header.site{background:rgba(18,30,58,.96);backdrop-filter:blur(10px);color:#fff;position:sticky;top:0;z-index:50;border-bottom:1px solid rgba(255,255,255,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:15px 24px;max-width:1120px;margin:0 auto}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:800;font-size:19px;font-family:"Fraunces",Georgia,serif;letter-spacing:.2px}
.brand .leaf{font-size:22px}
nav.links a{color:#cdd9ee;text-decoration:none;margin-left:28px;font-size:15px;font-weight:600;transition:color .15s}
nav.links a:hover{color:var(--gold)}
.hero{background:radial-gradient(circle at 18% 22%,rgba(232,184,75,.14),transparent 34%),radial-gradient(circle at 85% 80%,rgba(120,150,220,.16),transparent 40%),linear-gradient(150deg,var(--navy2) 0%,var(--navy) 58%,#2c4f86 100%);color:#fff;padding:92px 0 78px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.07) 1px,transparent 1px);background-size:26px 26px;pointer-events:none}
.hero .wrap{position:relative;z-index:1}
.hero .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:700;letter-spacing:1.6px;text-transform:uppercase;color:var(--gold);border:1px solid rgba(232,184,75,.4);border-radius:999px;padding:7px 16px;margin-bottom:22px;background:rgba(232,184,75,.08)}
.hero h1{font-size:clamp(36px,5.2vw,58px);line-height:1.1;font-weight:700;letter-spacing:-.01em;max-width:780px}
.hero h1 em{color:var(--gold);font-style:italic}
.hero p.sub{color:#c3d0e8;font-size:19px;max-width:660px;margin:20px 0 8px}
.searchbar{margin-top:26px;max-width:580px;position:relative}
.searchbar input{width:100%;padding:16px 20px 16px 50px;border-radius:14px;border:1px solid rgba(255,255,255,.22);background:rgba(255,255,255,.09);color:#fff;font-size:16px;font-family:inherit;outline:none;transition:.2s}
.searchbar input::placeholder{color:#93a4c4}
.searchbar input:focus{border-color:var(--gold);background:rgba(255,255,255,.13);box-shadow:0 0 0 4px rgba(232,184,75,.15)}
.searchbar .sicon{position:absolute;left:18px;top:50%;transform:translateY(-50%);font-size:18px;opacity:.8}
.hbtns{margin-top:26px;display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-block;background:var(--red);color:#fff;font-weight:700;padding:14px 30px;border-radius:12px;text-decoration:none;font-size:16px;transition:.18s;box-shadow:0 8px 20px rgba(216,6,33,.28)}
.btn:hover{background:#ae051b;transform:translateY(-2px)}
.btn.ghost{background:rgba(255,255,255,.08);border:1.5px solid rgba(255,255,255,.35);color:#fff;box-shadow:none}
.btn.ghost:hover{border-color:var(--gold);color:var(--gold);background:rgba(255,255,255,.12)}
.trust{display:flex;gap:30px;flex-wrap:wrap;margin-top:36px;color:#a9bad6;font-size:14.5px}
.trust b{color:#fff;font-size:17px;margin-right:4px}
section{padding:60px 0}
h2.sec{font-size:clamp(28px,3.4vw,36px);letter-spacing:-.01em;margin-bottom:8px;color:var(--navy);font-weight:700}
p.lead{color:var(--muted);font-size:18px;margin-bottom:28px;max-width:700px}
.toolbar{display:flex;flex-wrap:wrap;gap:12px;align-items:center;justify-content:space-between;margin-bottom:26px}
.pills{display:flex;gap:10px;flex-wrap:wrap}
.pill{border:1.5px solid var(--line);background:#fff;border-radius:999px;padding:9px 20px;font-size:14.5px;font-weight:600;color:var(--muted);cursor:pointer;font-family:inherit;transition:.15s}
.pill:hover{border-color:var(--navy);color:var(--navy)}
.pill.active{background:var(--navy);border-color:var(--navy);color:#fff}
.count-note{font-size:14px;color:var(--faint)}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(310px,1fr));gap:20px}
.acard{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:24px;text-decoration:none;color:var(--ink);display:flex;flex-direction:column;gap:10px;transition:transform .16s,box-shadow .16s,border-color .16s}
a.acard:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(29,52,97,.13);border-color:#c9d4ea}
.acard .cat{font-size:11.5px;font-weight:800;letter-spacing:1.2px;text-transform:uppercase}
.cat.freelancer{color:#b3540f}.cat.newcomer{color:#177a4c}.cat.mortgage{color:#1d3461}.cat.forecast{color:#8a1f2d}
.acard h3{font-family:"Fraunces",Georgia,serif;font-size:20px;line-height:1.35;color:var(--navy);font-weight:600}
.acard p{font-size:14.5px;color:var(--muted);line-height:1.62;flex:1}
.acard .meta{display:flex;justify-content:space-between;align-items:center;font-size:13px;color:var(--faint);border-top:1px dashed var(--line);padding-top:12px;margin-top:4px}
.acard .go{color:var(--red);font-weight:700}
.pcard{background:var(--card);border:1px solid var(--line);border-radius:16px;overflow:hidden;display:flex;flex-direction:column;transition:transform .16s,box-shadow .16s}
.pcard:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(29,52,97,.13)}
.pcard img{width:100%;aspect-ratio:2/1;object-fit:cover;background:var(--navy)}
.pcard .body{padding:22px;display:flex;flex-direction:column;flex:1}
.pcard h3{font-family:"Fraunces",Georgia,serif;font-size:19px;color:var(--navy);margin-bottom:6px;font-weight:600}
.pcard .price{font-weight:800;color:var(--red);font-size:18px;margin:6px 0}
.pcard p{font-size:14.5px;color:var(--muted);flex:1}
.pcard .tag{display:inline-block;font-size:11px;font-weight:800;letter-spacing:.8px;text-transform:uppercase;background:var(--goldsoft);color:var(--golddeep);border-radius:20px;padding:3px 10px;margin-bottom:8px;width:fit-content}
.pcard .pmeta{font-size:12px;color:var(--faint);margin:8px 0 12px}
.buy{display:inline-block;margin-top:14px;background:var(--navy);color:#fff;text-align:center;font-weight:700;padding:12px;border-radius:10px;text-decoration:none;transition:.15s}
.buy:hover{background:var(--red)}
.band{background:linear-gradient(135deg,var(--navy2),#2c4f86);border-radius:22px;color:#fff;padding:48px;display:grid;grid-template-columns:1.4fr 1fr;gap:32px;align-items:center;position:relative;overflow:hidden}
.band::after{content:"🧭";position:absolute;right:-30px;bottom:-70px;font-size:220px;opacity:.08}
.band h2{font-family:"Fraunces",Georgia,serif;font-size:30px;margin-bottom:10px}
.band p{color:#c3d0e8;font-size:16px;max-width:480px}
.band .btn{margin:0;justify-self:end}
.crumb{font-size:14px;color:var(--muted);margin:28px 0 8px}
.crumb a{color:var(--navy);text-decoration:none;font-weight:600}
.post-layout{display:grid;grid-template-columns:230px minmax(0,1fr);gap:46px;align-items:start}
.toc{position:sticky;top:92px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px 18px;font-size:14px}
.toc .tlabel{font-size:11.5px;font-weight:800;letter-spacing:1.2px;text-transform:uppercase;color:var(--faint);margin-bottom:10px}
.toc a{display:block;color:var(--muted);text-decoration:none;padding:7px 0 7px 12px;border-left:2px solid var(--line);margin-left:2px;line-height:1.45}
.toc a:hover{color:var(--navy);border-color:var(--gold)}
article.post h1{font-family:"Fraunces",Georgia,serif;font-size:clamp(30px,4vw,42px);line-height:1.2;color:var(--navy);letter-spacing:-.01em;margin:8px 0 16px;font-weight:700}
.byline{display:flex;gap:14px;align-items:center;color:var(--faint);font-size:14px;margin-bottom:18px}
.disclaimer-top{background:#fff8ec;border:1px solid #f0d9a8;border-left:5px solid var(--gold);border-radius:12px;padding:16px 20px;margin-bottom:24px;font-size:14px;line-height:1.65;color:#6b5a33}
.disclaimer-top strong{color:#7a5c14}
.disclaimer-top .zh{color:#6b5a33}
.answer{background:linear-gradient(180deg,#fffdf7,#fff8e9);border:1px solid #f0dfb5;border-left:5px solid var(--gold);border-radius:14px;padding:22px 26px;margin:0 0 32px;box-shadow:0 4px 16px rgba(154,107,26,.06)}
.answer .alabel{font-size:11.5px;font-weight:800;letter-spacing:1.4px;text-transform:uppercase;color:var(--golddeep);margin-bottom:8px}
.answer p{font-size:18px;line-height:1.7}
article.post h2{font-family:"Fraunces",Georgia,serif;font-size:26px;color:var(--navy);margin:40px 0 12px;letter-spacing:-.01em;font-weight:600;scroll-margin-top:90px}
article.post p{margin:0 0 16px}
article.post ul,article.post ol{margin:0 0 18px 22px}
article.post li{margin-bottom:8px}
article.post strong{color:var(--navy)}
.table-wrap{overflow-x:auto;margin:0 0 22px;border-radius:12px;border:1px solid var(--line)}
table{border-collapse:collapse;width:100%;font-size:15.5px;background:#fff}
th,td{padding:11px 15px;text-align:left;border-bottom:1px solid var(--line)}
th{background:var(--navy);color:#fff;font-weight:700}
tr:nth-child(even) td{background:#f7f5ef}
.faq{margin:36px 0}
.faq h2{font-family:"Fraunces",Georgia,serif;font-size:26px;color:var(--navy);margin-bottom:14px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:10px;padding:17px 22px;transition:.15s}
.faq details[open]{border-color:#c9d4ea;box-shadow:0 6px 18px rgba(29,52,97,.07)}
.faq summary{font-weight:700;color:var(--navy);cursor:pointer;font-size:16.5px;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::before{content:"+";color:var(--red);font-weight:800;margin-right:10px}
.faq details[open] summary::before{content:"–"}
.faq details p{margin:10px 0 0;color:var(--ink)}
.sources{background:#f4f2ec;border-radius:14px;padding:24px 28px;margin:36px 0;font-size:15px}
.sources h2{font-family:"Fraunces",Georgia,serif;font-size:20px!important;margin:0 0 10px!important}
.sources a{color:var(--navy);font-weight:600}
.sources li{margin-bottom:6px}
.cta{background:linear-gradient(135deg,var(--navy),#2c4f86);color:#fff;border-radius:18px;padding:34px;margin:42px 0;display:flex;gap:24px;align-items:center;flex-wrap:wrap;box-shadow:0 14px 34px rgba(29,52,97,.22)}
.cta h3{font-family:"Fraunces",Georgia,serif;font-size:23px;margin-bottom:6px}
.cta p{color:#c9d6ec;font-size:15.5px}
.cta .btn{margin:0;flex-shrink:0}
.related{margin:46px 0 10px}
.pn{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:42px 0}
.pn a{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px 22px;text-decoration:none;transition:.15s;display:block}
.pn a:hover{border-color:#c9d4ea;box-shadow:0 10px 26px rgba(29,52,97,.09)}
.pn .lbl{font-size:11.5px;text-transform:uppercase;letter-spacing:1.2px;color:var(--faint);font-weight:800;margin-bottom:6px}
.pn .t{font-family:"Fraunces",Georgia,serif;font-size:17.5px;color:var(--navy);line-height:1.4}
.pn .next{text-align:right}
.disclaimer{font-size:13.5px;color:var(--muted);border-top:1px solid var(--line);margin-top:42px;padding-top:20px}
footer.site{background:var(--navy2);color:#93a5c4;padding:52px 0 34px;font-size:14.5px}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px;max-width:1120px;margin:0 auto;padding:0 24px}
.fbrand{font-family:"Fraunces",Georgia,serif;font-size:20px;color:#fff;margin-bottom:10px}
footer.site h4{color:#fff;font-size:13px;letter-spacing:1.2px;text-transform:uppercase;margin-bottom:14px}
footer.site a{color:#c9d6ec;text-decoration:none;display:block;margin-bottom:9px}
footer.site a:hover{color:var(--gold)}
.fbottom{max-width:1120px;margin:34px auto 0;padding:20px 24px 0;border-top:1px solid rgba(255,255,255,.1);color:#6b7a99;font-size:13px}
#nores{display:none;text-align:center;color:var(--muted);padding:40px 0;font-size:16px}
@media(max-width:920px){.post-layout{grid-template-columns:1fr}.toc{display:none}.band{grid-template-columns:1fr}.band .btn{justify-self:start}.fgrid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.hero{padding:64px 0 56px}nav.links a{margin-left:14px;font-size:14px}.pn{grid-template-columns:1fr}.band{padding:32px}.fgrid{grid-template-columns:1fr}}

/* ---- v2 additions: lang toggle, country cards, tracker ---- */
.langbtn{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);color:#fff;font-weight:700;font-size:14px;padding:7px 14px;border-radius:999px;cursor:pointer;margin-left:18px;transition:background .15s}
.langbtn:hover{background:rgba(255,255,255,.22)}
.ccards{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:34px 0}
.ccard{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:30px;text-decoration:none;color:var(--ink);display:block;transition:transform .15s,box-shadow .15s}
.ccard:hover{transform:translateY(-3px);box-shadow:0 14px 34px rgba(18,30,58,.12)}
.ccard .flag{font-size:40px}
.ccard h3{font-family:Fraunces,Georgia,serif;font-size:26px;color:var(--navy);margin:10px 0 6px}
.ccard p{color:var(--muted);font-size:15px}
.ccard .n{font-weight:800;color:var(--golddeep)}
.tgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:26px 0}
.tstat{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px}
.tstat .k{font-size:13px;color:var(--faint);font-weight:700;text-transform:uppercase;letter-spacing:.6px}
.tstat .v{font-size:30px;font-weight:800;color:var(--navy);margin-top:6px}
.tstat .s{font-size:13px;color:var(--muted);margin-top:4px}
table.draws{width:100%;border-collapse:collapse;background:var(--card);border:1px solid var(--line);border-radius:14px;overflow:hidden;font-size:15px}
table.draws th{background:var(--navy);color:#fff;text-align:left;padding:12px 14px;font-size:13px;text-transform:uppercase;letter-spacing:.5px}
table.draws td{padding:12px 14px;border-top:1px solid var(--line)}
table.draws tr:hover td{background:var(--bluesoft)}
.badge{display:inline-block;background:var(--goldsoft);color:var(--golddeep);font-weight:700;font-size:12.5px;padding:3px 10px;border-radius:999px}
.trend{display:flex;align-items:flex-end;gap:8px;height:120px;margin:18px 0 6px}
.trend .bar{flex:1;background:linear-gradient(180deg,#2c4f86,var(--navy));border-radius:6px 6px 0 0;min-height:8px;position:relative}
.trend .bar span{position:absolute;top:-22px;left:50%;transform:translateX(-50%);font-size:11.5px;font-weight:700;color:var(--navy);white-space:nowrap}
.trend-cap{display:flex;gap:8px;font-size:12px;color:var(--faint)}
.trend-cap div{flex:1;text-align:center}
@media(max-width:640px){.ccards{grid-template-columns:1fr}.tgrid{grid-template-columns:1fr 1fr}}