:root {
  --navy: #0b2f5e;
  --navy-2: #123f78;
  --blue: #1a5ea8;
  --gold: #c8a45c;
  --gold-soft: #f3ead8;
  --ink: #1d2733;
  --ink-2: #4a5866;
  --ink-3: #7c8896;
  --line: #e4e8ee;
  --bg: #ffffff;
  --bg-soft: #f5f7fa;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(11, 47, 94, .08);
  --max: 1180px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "Source Han Sans SC", sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.75;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

.container {
  width: 100%;
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 24px;
}

/* ---------- header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, .94);
  backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--line);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

.brand { display: flex; align-items: center; gap: 12px; }
.brand img { width: 42px; height: 42px; }
.brand-text strong {
  display: block;
  font-size: 18px;
  letter-spacing: .5px;
  color: var(--navy);
  line-height: 1.3;
}
.brand-text span {
  display: block;
  font-size: 11px;
  color: var(--ink-3);
  letter-spacing: 1.6px;
  text-transform: uppercase;
}

.nav { display: flex; align-items: center; gap: 34px; }
.nav a {
  font-size: 15px;
  color: var(--ink-2);
  padding: 6px 0;
  position: relative;
  transition: color .2s;
}
.nav a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 0;
  height: 2px;
  background: var(--gold);
  transition: width .25s;
}
.nav a:hover, .nav a.active { color: var(--navy); }
.nav a:hover::after, .nav a.active::after { width: 100%; }

.header-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 20px;
  background: var(--navy);
  color: #fff;
  border-radius: 999px;
  font-size: 14px;
  transition: background .2s, transform .2s;
}
.header-cta:hover { background: var(--navy-2); transform: translateY(-1px); }

.nav-toggle {
  display: none;
  width: 42px;
  height: 42px;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: #fff;
  cursor: pointer;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
}
.nav-toggle span {
  display: block;
  width: 18px;
  height: 2px;
  background: var(--navy);
  transition: transform .25s, opacity .25s;
}
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- hero ---------- */
.hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(1100px 520px at 78% -10%, rgba(200, 164, 92, .22), transparent 60%),
    linear-gradient(135deg, #082647 0%, #0b2f5e 45%, #174b8a 100%);
  color: #fff;
  padding: 92px 0 104px;
}
.hero::after {
  content: "";
  position: absolute;
  inset: auto -10% -55% 55%;
  height: 520px;
  background: radial-gradient(circle, rgba(255, 255, 255, .10), transparent 62%);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 56px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  letter-spacing: 2px;
  color: var(--gold);
  border: 1px solid rgba(200, 164, 92, .45);
  border-radius: 999px;
  padding: 6px 16px;
  margin-bottom: 26px;
}
.hero h1 {
  font-size: clamp(30px, 4.4vw, 50px);
  line-height: 1.28;
  font-weight: 700;
  letter-spacing: 1px;
  margin-bottom: 20px;
}
.hero h1 em { font-style: normal; color: var(--gold); }
.hero p.lead {
  font-size: 16px;
  color: rgba(255, 255, 255, .82);
  max-width: 560px;
  margin-bottom: 36px;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 13px 30px;
  border-radius: 999px;
  font-size: 15px;
  transition: transform .2s, box-shadow .2s, background .2s;
  border: 1px solid transparent;
}
.btn-primary { background: var(--gold); color: #26200f; font-weight: 600; }
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 12px 26px rgba(200, 164, 92, .32); }
.btn-ghost { border-color: rgba(255, 255, 255, .38); color: #fff; }
.btn-ghost:hover { background: rgba(255, 255, 255, .1); transform: translateY(-2px); }

.hero-card {
  background: rgba(255, 255, 255, .07);
  border: 1px solid rgba(255, 255, 255, .16);
  border-radius: 18px;
  padding: 28px;
  backdrop-filter: blur(8px);
}
.hero-card h3 {
  font-size: 15px;
  font-weight: 600;
  letter-spacing: 1px;
  color: var(--gold);
  margin-bottom: 18px;
}
.hero-card li {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 13px 0;
  border-bottom: 1px dashed rgba(255, 255, 255, .16);
  font-size: 14px;
}
.hero-card li:last-child { border-bottom: 0; padding-bottom: 0; }
.hero-card li span { color: rgba(255, 255, 255, .68); }
.hero-card li strong { font-weight: 600; color: #fff; }

/* ---------- sections ---------- */
.section { padding: 88px 0; }
.section.alt { background: var(--bg-soft); }

.section-head { max-width: 680px; margin-bottom: 52px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head .kicker {
  display: inline-block;
  font-size: 12px;
  letter-spacing: 3px;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 12px;
}
.section-head h2 {
  font-size: clamp(24px, 2.9vw, 34px);
  line-height: 1.35;
  color: var(--navy);
  letter-spacing: .5px;
}
.section-head p { margin-top: 14px; color: var(--ink-2); font-size: 15px; }

/* ---------- cards ---------- */
.grid { display: grid; gap: 24px; }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }

.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px 26px;
  transition: transform .25s, box-shadow .25s, border-color .25s;
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
  border-color: rgba(26, 94, 168, .28);
}
.card .icon {
  width: 46px;
  height: 46px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  background: var(--gold-soft);
  color: var(--navy);
  font-size: 20px;
  font-weight: 700;
  margin-bottom: 18px;
}
.card h3 { font-size: 18px; color: var(--navy); margin-bottom: 10px; }
.card p { font-size: 14px; color: var(--ink-2); }
.card ul { margin-top: 14px; }
.card ul li {
  font-size: 13.5px;
  color: var(--ink-2);
  padding-left: 16px;
  position: relative;
  margin-bottom: 6px;
}
.card ul li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 10px;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--gold);
}

/* ---------- steps ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; counter-reset: step; }
.step {
  position: relative;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px 24px;
}
.step::before {
  counter-increment: step;
  content: "0" counter(step);
  font-size: 26px;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 1px;
  display: block;
  margin-bottom: 12px;
}
.step h3 { font-size: 16px; color: var(--navy); margin-bottom: 8px; }
.step p { font-size: 13.5px; color: var(--ink-2); }

/* ---------- about teaser ---------- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.split h2 {
  font-size: clamp(24px, 2.8vw, 32px);
  color: var(--navy);
  line-height: 1.4;
  margin-bottom: 18px;
}
.split p { color: var(--ink-2); font-size: 15px; margin-bottom: 14px; }
.checklist { margin-top: 24px; display: grid; gap: 12px; }
.checklist li {
  display: flex;
  gap: 10px;
  font-size: 14.5px;
  color: var(--ink-2);
}
.checklist li::before {
  content: "✓";
  flex: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  font-size: 12px;
  display: grid;
  place-items: center;
  margin-top: 3px;
}

.panel {
  background: linear-gradient(160deg, #0b2f5e, #17498a);
  border-radius: 20px;
  padding: 42px 36px;
  color: #fff;
  box-shadow: 0 20px 46px rgba(11, 47, 94, .22);
}
.panel h3 { font-size: 20px; margin-bottom: 8px; }
.panel .sub { color: rgba(255, 255, 255, .7); font-size: 13.5px; margin-bottom: 26px; }
.panel dl { display: grid; gap: 18px; }
.panel dt { font-size: 12px; letter-spacing: 1.6px; color: var(--gold); margin-bottom: 4px; }
.panel dd { font-size: 14.5px; line-height: 1.7; color: rgba(255, 255, 255, .92); }

/* ---------- notice ---------- */
.notice {
  background: var(--gold-soft);
  border: 1px solid rgba(200, 164, 92, .35);
  border-radius: var(--radius);
  padding: 26px 30px;
  display: flex;
  gap: 18px;
  align-items: flex-start;
}
.notice .badge {
  flex: none;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--gold);
  color: #2a2312;
  display: grid;
  place-items: center;
  font-weight: 700;
}
.notice h4 { font-size: 15px; color: #6d5320; margin-bottom: 6px; }
.notice p { font-size: 13.5px; color: #7a6435; }

/* ---------- page hero (inner pages) ---------- */
.page-hero {
  background: linear-gradient(135deg, #082647, #17498a);
  color: #fff;
  padding: 76px 0 66px;
}
.breadcrumb { font-size: 13px; color: rgba(255, 255, 255, .62); margin-bottom: 14px; }
.breadcrumb a:hover { color: var(--gold); }
.page-hero h1 { font-size: clamp(26px, 3.4vw, 38px); letter-spacing: 1px; }
.page-hero p { margin-top: 12px; color: rgba(255, 255, 255, .78); max-width: 640px; font-size: 15px; }

/* ---------- article / table ---------- */
.prose p { font-size: 15px; color: var(--ink-2); margin-bottom: 16px; }
.prose h3 {
  font-size: 19px;
  color: var(--navy);
  margin: 34px 0 14px;
  padding-left: 12px;
  border-left: 3px solid var(--gold);
}
.info-table { width: 100%; border-collapse: collapse; font-size: 14.5px; }
.info-table th, .info-table td {
  text-align: left;
  padding: 15px 18px;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}
.info-table th {
  width: 170px;
  color: var(--ink-3);
  font-weight: 500;
  background: var(--bg-soft);
}
.info-table td { color: var(--ink); }

/* ---------- contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.contact-item {
  display: flex;
  gap: 16px;
  padding: 24px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
}
.contact-item .ico {
  flex: none;
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--gold-soft);
  display: grid;
  place-items: center;
  font-size: 17px;
}
.contact-item h4 { font-size: 14px; color: var(--ink-3); font-weight: 500; margin-bottom: 4px; }
.contact-item p { font-size: 15px; color: var(--ink); }
.placeholder { border-bottom: 1px dashed var(--gold); color: var(--ink-2); }
.map-box {
  margin-top: 28px;
  border: 1px dashed var(--line);
  border-radius: var(--radius);
  background: var(--bg-soft);
  min-height: 240px;
  display: grid;
  place-items: center;
  text-align: center;
  color: var(--ink-3);
  font-size: 14px;
  padding: 24px;
}

/* ---------- cta band ---------- */
.cta-band {
  background: linear-gradient(120deg, #0b2f5e, #1a5ea8);
  color: #fff;
  border-radius: 20px;
  padding: 48px 44px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
}
.cta-band h2 { font-size: clamp(21px, 2.6vw, 28px); }
.cta-band p { color: rgba(255, 255, 255, .78); font-size: 14.5px; margin-top: 8px; }

/* ---------- footer ---------- */
.site-footer { background: #071e3d; color: rgba(255, 255, 255, .66); padding: 62px 0 26px; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1.2fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255, 255, 255, .12);
}
.footer-brand strong { color: #fff; font-size: 17px; display: block; margin-bottom: 10px; }
.footer-brand p { font-size: 13.5px; line-height: 1.9; }
.site-footer h4 { color: #fff; font-size: 14px; margin-bottom: 14px; letter-spacing: .5px; }
.site-footer li { margin-bottom: 9px; font-size: 13.5px; }
.site-footer a:hover { color: var(--gold); }
.footer-bottom {
  padding-top: 22px;
  display: flex;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  font-size: 13px;
  color: rgba(255, 255, 255, .5);
}
.footer-bottom a { color: rgba(255, 255, 255, .5); }
.footer-bottom a:hover { color: var(--gold); }
.risk-note { font-size: 12.5px; color: rgba(255, 255, 255, .42); margin-top: 12px; line-height: 1.8; }

/* ---------- responsive ---------- */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .split { grid-template-columns: 1fr; gap: 36px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
}

@media (max-width: 760px) {
  .header-inner { height: 66px; }
  .nav {
    position: fixed;
    top: 66px;
    left: 0;
    right: 0;
    background: #fff;
    flex-direction: column;
    align-items: flex-start;
    gap: 0;
    padding: 10px 24px 22px;
    border-bottom: 1px solid var(--line);
    box-shadow: 0 18px 30px rgba(11, 47, 94, .08);
    transform: translateY(-140%);
    transition: transform .3s ease;
  }
  .nav.open { transform: translateY(0); }
  .nav a { width: 100%; padding: 12px 0; border-bottom: 1px solid var(--line); }
  .nav a::after { display: none; }
  .header-cta { display: none; }
  .nav-toggle { display: flex; }
  .section { padding: 60px 0; }
  .hero { padding: 62px 0 70px; }
  .grid-4, .grid-3, .steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .cta-band { padding: 34px 26px; }
  .panel { padding: 32px 24px; }
}