*,:before,:after{box-sizing:border-box;margin:0;padding:0}:root{--navy:#0b1f3a;--navy-soft:#16305a;--gold:#c9a227;--gold-deep:#a8861d;--bg:#faf8f3;--surface:#fff;--surface-2:#f3efe4;--text:#1a2233;--muted:#5c667a;--border:#e3ded2;--danger:#b3382c;--danger-bg:#fbeae7;--warn:#9a6c07;--warn-bg:#fdf3d7;--ok:#2e7d4f;--ok-bg:#e6f2ea;--shadow:0 1px 2px #0b1f3a0f, 0 4px 16px #0b1f3a12;--font-display:Georgia, "Iowan Old Style", "Times New Roman", serif;--font-body:-apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;--col-max:1160px;--gutter:24px;--radius:6px;--transition:.18s ease}[data-theme=dark]{--navy:#0b1f3a;--navy-soft:#14294d;--gold:#d9b544;--gold-deep:#b8932e;--bg:#0e1420;--surface:#16202f;--surface-2:#1d2942;--text:#e9e6dd;--muted:#97a0b3;--border:#26314a;--danger:#e07b6f;--danger-bg:#2e1a17;--warn:#d9b544;--warn-bg:#2c2410;--ok:#6fbf8f;--ok-bg:#14261c;--shadow:0 1px 2px #0006, 0 4px 16px #00000059}html{font-family:var(--font-body);background:var(--bg);color:var(--text);-webkit-font-smoothing:antialiased;line-height:1.6}html[data-lang=km] body{font-family:"Noto Sans Khmer", "Khmer OS Battambang", "Khmer OS", "Khmer MN", var(--font-body);line-height:1.8}html[data-lang=km] h1,html[data-lang=km] h2,html[data-lang=km] h3{font-family:"Noto Sans Khmer", "Khmer OS Battambang", "Khmer OS", var(--font-body);font-weight:700}body{background:var(--bg);min-height:100vh}a{color:inherit;text-decoration:none}ul,ol{list-style:none}img{max-width:100%;display:block}h1,h2,h3{font-family:var(--font-display);letter-spacing:-.01em;font-weight:600;line-height:1.2}.container{max-width:var(--col-max);padding:0 var(--gutter);margin:0 auto}.muted{color:var(--muted)}.small{font-size:.85rem}.gold{color:var(--gold-deep)}.kicker{letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:12px;font-size:.78rem;font-weight:700;display:inline-block}.section{padding:56px 0}.section-head{max-width:640px;margin-bottom:32px}.section-head h2{margin-bottom:8px;font-size:1.9rem}.btn{border-radius:var(--radius);font:inherit;cursor:pointer;transition:background var(--transition), color var(--transition), border-color var(--transition);color:inherit;background:0 0;border:1px solid #0000;align-items:center;gap:8px;padding:11px 22px;font-size:.95rem;font-weight:600;display:inline-flex}.btn-primary{background:var(--navy);color:#fff}[data-theme=dark] .btn-primary{background:var(--gold);color:#16202f}.btn-primary:hover{background:var(--navy-soft)}[data-theme=dark] .btn-primary:hover{background:var(--gold-deep)}.btn-gold{background:var(--gold);color:#1a2233}.btn-gold:hover{background:var(--gold-deep)}.btn-ghost{border-color:var(--border);color:var(--text)}.btn-ghost:hover{border-color:var(--muted)}.btn-danger{background:var(--danger);color:#fff}.btn-sm{padding:6px 12px;font-size:.85rem}.btn:disabled{opacity:.5;cursor:not-allowed}.site-header{z-index:20;background:var(--bg);border-bottom:1px solid var(--border);position:sticky;top:0}.header-inner{align-items:center;gap:24px;height:64px;display:flex}.brand{font-family:var(--font-display);letter-spacing:-.01em;align-items:baseline;gap:8px;font-size:1.25rem;font-weight:700;display:flex}.brand em{color:var(--gold-deep);font-style:normal}.main-nav{flex-wrap:wrap;align-items:center;gap:4px;margin-left:auto;display:flex}.main-nav a{border-radius:var(--radius);color:var(--muted);transition:color var(--transition), background var(--transition);padding:8px 12px;font-size:.95rem;font-weight:500}.main-nav a:hover{color:var(--text);background:var(--surface-2)}.main-nav a.active{color:var(--text);background:var(--surface-2);box-shadow:inset 0 -2px 0 var(--gold)}.header-tools{gap:8px;margin-left:12px;display:flex}.tool-btn{border:1px solid var(--border);background:var(--surface);color:var(--muted);border-radius:var(--radius);font:inherit;cursor:pointer;transition:color var(--transition), border-color var(--transition);padding:6px 10px;font-size:.85rem}.tool-btn:hover{color:var(--text);border-color:var(--muted)}.hero{background:var(--navy);color:#f5f1e6;padding:88px 0 72px;position:relative;overflow:hidden}.hero:after{content:"";border:1px solid #c9a22759;border-radius:50%;width:420px;height:420px;position:absolute;top:-120px;right:-120px}[data-theme=dark] .hero{background:var(--navy-soft)}.hero h1{max-width:760px;margin-bottom:16px;font-size:clamp(2.2rem,5vw,3.4rem)}.hero .kicker{color:var(--gold)}.hero p{color:#cfd6e4;max-width:620px;margin-bottom:28px;font-size:1.1rem}.hero-actions{flex-wrap:wrap;gap:12px;display:flex}.hero .btn-ghost{color:#f5f1e6;border-color:#ffffff59}.hero .btn-ghost:hover{border-color:#fff}.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px}.card h3{margin-bottom:8px;font-size:1.25rem}.card-grid{grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:20px;display:grid}.group-card{transition:transform var(--transition), border-color var(--transition);flex-direction:column;gap:10px;display:flex}.group-card:hover{border-color:var(--gold);transform:translateY(-2px)}.group-card .tagline{color:var(--muted);flex:1;font-size:.95rem}.group-card .card-link{color:var(--gold-deep);font-size:.95rem;font-weight:600}.badge{letter-spacing:.04em;text-transform:uppercase;border-radius:999px;align-items:center;padding:3px 10px;font-size:.75rem;font-weight:700;display:inline-flex}.badge-loan{background:var(--danger-bg);color:var(--danger)}.badge-clean{background:var(--ok-bg);color:var(--ok)}.badge-role{background:var(--surface-2);color:var(--muted)}.matrix{border-collapse:collapse;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);width:100%;box-shadow:var(--shadow);overflow:hidden}.matrix th,.matrix td{border-bottom:1px solid var(--border);text-align:left;padding:14px 18px}.matrix thead th{background:var(--navy);color:#f5f1e6;font-family:var(--font-display);font-size:1rem;font-weight:600}[data-theme=dark] .matrix thead th{background:var(--navy-soft)}.matrix tbody th{background:var(--surface-2);font-family:var(--font-display);width:22%;font-weight:600}.matrix tbody tr:last-child td,.matrix tbody tr:last-child th{border-bottom:none}.matrix-cell{color:var(--gold-deep);font-weight:600;display:block}.matrix-cell:hover{text-decoration:underline}.alloc-bar{border-radius:var(--radius);border:1px solid var(--border);height:28px;display:flex;overflow:hidden}.alloc-segment{color:#fff;white-space:nowrap;justify-content:center;align-items:center;min-width:0;font-size:.72rem;font-weight:700;display:flex;overflow:hidden}.alloc-essentials{background:#2c4a7c}.alloc-debt{background:var(--danger)}.alloc-savings{background:var(--ok)}.alloc-invest{background:var(--gold-deep)}.alloc-lifestyle{background:#7d6aa8}.legend{color:var(--muted);flex-wrap:wrap;gap:14px;margin-top:12px;font-size:.85rem;display:flex}.legend li{align-items:center;gap:6px;display:flex}.dot{border-radius:2px;width:10px;height:10px;display:inline-block}.stat-row{grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:16px;margin:24px 0;display:grid}.stat{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:16px 18px}.stat .value{font-family:var(--font-display);font-size:1.5rem;font-weight:700;display:block}.stat .label{color:var(--muted);font-size:.85rem}.flag{border-left:4px solid var(--border);background:var(--surface);border-radius:0 var(--radius) var(--radius) 0;margin-bottom:10px;padding:14px 16px;font-size:.95rem}.flag-high{border-color:var(--danger);background:var(--danger-bg)}.flag-medium{border-color:var(--warn);background:var(--warn-bg)}.flag-low{border-color:var(--muted)}.flag .severity{text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin-bottom:4px;font-size:.72rem;font-weight:700;display:inline-block}.callout{border:1px solid var(--border);border-left:4px solid var(--gold);background:var(--surface-2);border-radius:0 var(--radius) var(--radius) 0;margin:20px 0;padding:16px 18px}.steps{counter-reset:step}.steps li{counter-increment:step;border-bottom:1px solid var(--border);padding:18px 0 18px 56px;position:relative}.steps li:last-child{border-bottom:none}.steps li:before{content:counter(step);background:var(--navy);width:36px;height:36px;color:var(--gold);font-family:var(--font-display);border-radius:50%;justify-content:center;align-items:center;font-size:1rem;font-weight:700;display:flex;position:absolute;top:18px;left:0}[data-theme=dark] .steps li:before{background:var(--gold);color:#16202f}.steps h3{margin-bottom:6px;font-size:1.1rem}.steps p{color:var(--muted);font-size:.97rem}.phase-list{grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:16px;display:grid}.phase-card{background:var(--surface);border:1px solid var(--border);border-top:3px solid var(--gold);border-radius:var(--radius);padding:18px}.phase-card .num{font-family:var(--font-display);color:var(--gold-deep);font-size:.9rem;font-weight:700}.phase-card h3{margin:4px 0 8px;font-size:1.15rem}.phase-card p{color:var(--muted);font-size:.9rem}.field{margin-bottom:18px}.field label{margin-bottom:6px;font-size:.92rem;font-weight:600;display:block}.field input,.field select,.field textarea{border:1px solid var(--border);border-radius:var(--radius);background:var(--surface);width:100%;color:var(--text);font:inherit;transition:border-color var(--transition);padding:10px 12px}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--gold-deep);outline:none}.field textarea{resize:vertical;min-height:90px}.field .hint{color:var(--muted);margin-top:4px;font-size:.82rem}.field-row{grid-template-columns:1fr 1fr;gap:16px;display:grid}.choice-row{flex-wrap:wrap;gap:10px;display:flex}.choice{text-align:center;border:1px solid var(--border);border-radius:var(--radius);background:var(--surface);cursor:pointer;min-width:140px;transition:border-color var(--transition), background var(--transition);flex:1;padding:12px;font-weight:600}.choice:hover{border-color:var(--gold)}.choice.selected{border-color:var(--gold-deep);background:var(--surface-2);box-shadow:inset 0 0 0 1px var(--gold-deep)}.quiz-progress{background:var(--surface-2);border-radius:999px;height:6px;margin:20px 0 32px;overflow:hidden}.quiz-progress .fill{background:var(--gold);height:100%;transition:width var(--transition)}.quiz-panel{max-width:640px;margin:0 auto}.quiz-actions{justify-content:space-between;gap:12px;margin-top:28px;display:flex}.form-error{color:var(--danger);margin:8px 0;font-size:.9rem}.page-head{padding:56px 0 8px}.page-head h1{margin-bottom:10px;font-size:2.2rem}.page-head p{max-width:640px;color:var(--muted)}.site-footer{border-top:1px solid var(--border);margin-top:64px;padding:32px 0}.footer-inner{color:var(--muted);flex-wrap:wrap;justify-content:space-between;gap:16px;font-size:.88rem;display:flex}.loading{text-align:center;color:var(--muted);padding:80px 0}.error-state{text-align:center;padding:80px 20px}.error-state h2{margin-bottom:12px}.admin-shell{grid-template-columns:220px 1fr;gap:32px;padding:32px 0 64px;display:grid}.admin-nav{flex-direction:column;align-self:start;gap:4px;display:flex;position:sticky;top:88px}.admin-nav a{border-radius:var(--radius);color:var(--muted);padding:9px 12px;font-size:.95rem;font-weight:500}.admin-nav a:hover{background:var(--surface-2);color:var(--text)}.admin-nav a.active{background:var(--navy);color:var(--gold)}[data-theme=dark] .admin-nav a.active{background:var(--gold);color:#16202f}.table-wrap{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);overflow-x:auto}.table{border-collapse:collapse;width:100%;font-size:.92rem}.table th,.table td{border-bottom:1px solid var(--border);text-align:left;vertical-align:top;padding:12px 16px}.table thead th{background:var(--surface-2);text-transform:uppercase;letter-spacing:.06em;color:var(--muted);font-size:.8rem}.table tbody tr:last-child td{border-bottom:none}.admin-toolbar{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:16px;margin-bottom:20px;display:flex}.localized-field{border:1px solid var(--border);border-radius:var(--radius);background:var(--surface);margin-bottom:14px;padding:14px}.localized-field .lang-tag{color:var(--gold-deep);text-transform:uppercase;letter-spacing:.08em;font-size:.72rem;font-weight:700}.localized-field input,.localized-field textarea{border:1px solid var(--border);border-radius:var(--radius);background:var(--bg);width:100%;color:var(--text);font:inherit;margin-top:6px;padding:8px 10px}.localized-field textarea{resize:vertical;min-height:70px}.step-editor{border:1px solid var(--border);border-radius:var(--radius);background:var(--surface);margin-bottom:14px;padding:16px}.step-editor-head{align-items:center;gap:8px;margin-bottom:10px;display:flex}.step-editor-head .order{font-family:var(--font-display);color:var(--gold-deep);width:24px;font-weight:700}.step-editor-head .spacer{flex:1}.icon-btn{border:1px solid var(--border);background:var(--bg);border-radius:var(--radius);cursor:pointer;width:32px;height:32px;color:var(--muted);font-size:.9rem}.icon-btn:hover{color:var(--text);border-color:var(--muted)}.icon-btn.danger:hover{color:var(--danger);border-color:var(--danger)}.notice{background:var(--warn-bg);border:1px solid var(--warn);color:var(--warn);border-radius:var(--radius);margin-bottom:20px;padding:12px 16px;font-size:.93rem}.login-card{max-width:380px;margin:80px auto}.login-card h1{margin-bottom:20px;font-size:1.6rem}.print-only{display:none}@media print{.site-header,.site-footer,.hero-actions,.quiz-actions,.no-print{display:none!important}body{color:#000;background:#fff}.print-only{display:block}.card,.stat{box-shadow:none;border-color:#ccc}.hero{padding:0 0 16px;color:#000!important;background:#fff!important}.hero p{color:#444!important}.page{break-inside:avoid}}@media (width<=800px){.admin-shell{grid-template-columns:1fr}.admin-nav{flex-flow:wrap;position:static}.field-row{grid-template-columns:1fr}.header-inner{flex-wrap:wrap;height:auto;padding:10px 0}.main-nav{width:100%;margin-left:0}}