:root {
  --navy: #0e2a5c;
  --navy-2: #13387a;
  --ink: #0f172a;
  --muted: #5b6b85;
  --line: #e3e8f0;
  --bg: #ffffff;
  --bg-alt: #f6f8fb;
  --red: #c0392b;
  --amber: #b7791f;
  --green: #1f7a4d;
  --radius: 14px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", "PingFang SC",
    "Hiragino Sans GB", "Microsoft YaHei", "Noto Sans CJK SC", sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.75;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3 { line-height: 1.3; margin: 0 0 .5em; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4.6vw, 3.1rem); font-weight: 800; }
h2 { font-size: clamp(1.5rem, 3vw, 2.05rem); font-weight: 750; }
h3 { font-size: 1.08rem; font-weight: 700; }
p { margin: 0 0 1em; }
a { color: var(--navy); text-decoration: none; }
ul, ol { padding-left: 1.2em; margin: 0 0 1em; }

.wrap { width: 100%; max-width: 1080px; margin: 0 auto; padding: 0 24px; }
.wrap.narrow { max-width: 760px; }

/* ── Nav ── */
.nav {
  position: sticky; top: 0; z-index: 40;
  background: rgba(255,255,255,.92);
  backdrop-filter: saturate(180%) blur(8px);
  border-bottom: 1px solid var(--line);
}
.nav-inner { display: flex; align-items: center; gap: 24px; height: 64px; }
.brand { display: inline-flex; align-items: center; gap: 10px; font-weight: 800; font-size: 1.1rem; color: var(--navy); }
.brand-mark {
  display: inline-grid; place-items: center;
  width: 30px; height: 30px; border-radius: 9px;
  background: var(--navy); color: #fff; font-size: .95rem;
}
.brand-sub { margin-left: 5px; font-size: .72rem; font-weight: 700; color: var(--muted); letter-spacing: .06em; }
.nav-links { display: flex; gap: 22px; margin-left: auto; font-size: .93rem; color: var(--muted); }
.nav-links a:hover { color: var(--navy); }
.nav-cta { display: flex; gap: 10px; }
@media (max-width: 860px) {
  .nav-links { display: none; }
  .nav-cta { margin-left: auto; }
}

/* ── Buttons ── */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 9px 18px; border-radius: 10px; font-size: .93rem; font-weight: 650;
  border: 1px solid transparent; cursor: pointer; transition: .15s;
  white-space: nowrap;
}
.btn-lg { padding: 13px 26px; font-size: 1rem; }
.btn-solid { background: var(--navy); color: #fff; }
.btn-solid:hover { background: var(--navy-2); }
.btn-line { border-color: var(--navy); color: var(--navy); background: #fff; }
.btn-line:hover { background: #eef2f9; }
.btn-ghost { color: var(--muted); }
.btn-ghost:hover { color: var(--navy); }

/* ── Hero ── */
.hero { padding: 84px 0 72px; background: linear-gradient(180deg, #f6f8fb 0%, #ffffff 100%); }
.hero-inner { max-width: 860px; }
.eyebrow {
  display: inline-block; margin-bottom: 18px; padding: 5px 13px;
  border-radius: 999px; background: #e8eefb; color: var(--navy);
  font-size: .82rem; font-weight: 650; letter-spacing: .01em;
}
.hl { color: var(--navy); border-bottom: 4px solid #ffd66b; padding-bottom: 2px; }
.lede { font-size: 1.1rem; color: #35445e; margin: 22px 0 32px; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 12px; }
.trust {
  list-style: none; padding: 0; margin: 40px 0 0;
  display: flex; flex-wrap: wrap; gap: 28px;
  font-size: .9rem; color: var(--muted);
}
.trust strong { color: var(--ink); font-weight: 700; }

/* ── Sections ── */
.section { padding: 76px 0; }
.section.alt { background: var(--bg-alt); }
.section-sub { color: var(--muted); font-size: 1rem; margin-bottom: 32px; max-width: 700px; }

.grid-4 { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 18px; margin-top: 28px; }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 22px; transition: .16s;
}
.card:hover { border-color: #c9d4e8; box-shadow: 0 6px 22px rgba(14,42,92,.07); }
.card-num { font-size: .8rem; font-weight: 800; color: #b8c4d8; letter-spacing: .08em; margin-bottom: 8px; }
.card p { margin: 0; font-size: .93rem; color: var(--muted); }

.agent { display: flex; flex-direction: column; }
.agent-tag {
  align-self: flex-start; margin-bottom: 10px; padding: 3px 10px;
  border-radius: 6px; font-size: .78rem; font-weight: 700;
}
.tag-blue { background: #e8eefb; color: #17408f; }
.tag-amber { background: #fdf1dc; color: #8a5a10; }
.tag-green { background: #e4f4ea; color: #186b41; }
.tag-purple { background: #efe9fb; color: #4c3a94; }

/* ── Advisor ── */
.advisor {
  margin-top: 34px; display: flex; gap: 22px; flex-wrap: wrap;
  border: 1px solid var(--line); border-radius: var(--radius);
  background: #fff; padding: 26px;
}
.advisor-badge {
  flex: 0 0 auto; align-self: flex-start;
  padding: 6px 13px; border-radius: 8px;
  background: var(--navy); color: #fff; font-size: .82rem; font-weight: 700;
}
.advisor-body { flex: 1 1 420px; min-width: 0; }
.advisor-body p { font-size: .95rem; color: var(--muted); }
.quote {
  margin-top: 14px; border-left: 3px solid #ffd66b;
  background: #fbfcfe; padding: 14px 16px; border-radius: 0 10px 10px 0;
}
.quote p { margin: 0 0 .6em; font-size: .9rem; }
.quote-q { font-weight: 700; color: var(--ink); }
.quote-a { color: #35445e; }
.quote-a em { color: var(--amber); font-style: normal; font-weight: 650; }

/* ── Risk ── */
.risk-row { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 18px; margin-top: 28px; }
.risk { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; border-top-width: 4px; }
.risk-red { border-top-color: var(--red); }
.risk-yellow { border-top-color: var(--amber); }
.risk-green { border-top-color: var(--green); }
.risk h3 { display: flex; align-items: center; gap: 9px; }
.risk-dot { width: 10px; height: 10px; border-radius: 50%; flex: 0 0 auto; }
.risk-red .risk-dot { background: var(--red); }
.risk-yellow .risk-dot { background: var(--amber); }
.risk-green .risk-dot { background: var(--green); }
.risk ul { font-size: .92rem; color: #35445e; }
.risk li { margin-bottom: 4px; }
.risk-note { margin: 0; font-size: .88rem; color: var(--muted); }

/* ── Baseline ── */
.baseline { background: #fff; }
.split { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 18px; margin-top: 26px; }
.panel { border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; background: #fbfcfe; }
.panel-head { font-size: .84rem; font-weight: 800; letter-spacing: .03em; margin-bottom: 12px; }
.panel-official .panel-head { color: var(--navy); }
.panel-market .panel-head { color: var(--amber); }
.panel ul { font-size: .93rem; color: #35445e; margin: 0; }
.panel li { margin-bottom: 10px; }
.disclaimer {
  margin-top: 22px; padding: 16px 18px; border-radius: var(--radius);
  background: #fff8e8; border: 1px solid #f2dfae;
  font-size: .88rem; color: #6b5518;
}

/* ── Steps ── */
.steps { list-style: none; padding: 0; margin: 28px 0 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 18px; }
.steps li { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }
.step-n {
  display: grid; place-items: center; width: 28px; height: 28px;
  border-radius: 8px; background: var(--navy); color: #fff;
  font-size: .9rem; font-weight: 800; margin-bottom: 12px;
}
.steps p { margin: 0; font-size: .93rem; color: var(--muted); }

/* ── FAQ ── */
details { border: 1px solid var(--line); border-radius: var(--radius); padding: 16px 20px; margin-bottom: 12px; background: #fff; }
details summary { cursor: pointer; font-weight: 700; font-size: .98rem; }
details[open] summary { margin-bottom: 10px; }
details p { margin: 0; font-size: .93rem; color: var(--muted); }

/* ── Pricing ── */
.plan {
  display: flex; flex-direction: column;
  background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); padding: 26px 24px;
}
.plan-hi { border-color: var(--navy); box-shadow: 0 8px 28px rgba(14,42,92,.09); }
.plan-tag {
  align-self: flex-start; padding: 4px 11px; border-radius: 6px;
  background: #eef2f9; color: var(--navy);
  font-size: .78rem; font-weight: 800; letter-spacing: .03em;
}
.plan-hi .plan-tag { background: var(--navy); color: #fff; }
.plan-price { margin: 16px 0 4px; font-size: 2.1rem; font-weight: 800; color: var(--ink); letter-spacing: -.01em; }
.plan-price span { font-size: .95rem; font-weight: 500; color: var(--muted); letter-spacing: 0; }
.plan-list { list-style: none; padding: 0; margin: 14px 0 22px; flex: 1; }
.plan-list li { position: relative; padding-left: 20px; margin-bottom: 9px; font-size: .93rem; color: #35445e; }
.plan-list li::before {
  content: ""; position: absolute; left: 0; top: .42em;
  width: 10px; height: 6px;
  border-left: 2px solid var(--navy); border-bottom: 2px solid var(--navy);
  transform: rotate(-45deg);
}
.plan-btn { display: flex; width: 100%; }
.plan-note { margin: 10px 0 0; font-size: .82rem; color: var(--muted); text-align: center; }

/* ── CTA ── */
.cta { padding: 78px 0; background: var(--navy); color: #fff; text-align: center; }
.cta h2 { color: #fff; }
.cta p { color: #c7d4ec; margin-bottom: 28px; }
.cta .hero-cta { justify-content: center; }
.cta .btn-line { border-color: rgba(255,255,255,.6); color: #fff; background: transparent; }
.cta .btn-line:hover { background: rgba(255,255,255,.12); }
.cta .btn-solid { background: #fff; color: var(--navy); }
.cta .btn-solid:hover { background: #e8eefb; }

/* ── Footer ── */
.footer { padding: 34px 0; background: #0b1f45; color: #9fb0cd; }
.footer-inner { display: flex; flex-wrap: wrap; gap: 18px; align-items: center; justify-content: space-between; }
.brand-sm .brand-mark { background: #fff; color: var(--navy); }
.brand-sm .brand-text { color: #fff; }
.brand-sm .brand-sub { color: #9fb0cd; }
.footer-note { margin: 8px 0 0; font-size: .84rem; max-width: 520px; }
.footer-links { display: flex; gap: 20px; font-size: .9rem; }
.footer-links a { color: #c7d4ec; }
.footer-links a:hover { color: #fff; }

@media (max-width: 640px) {
  .hero { padding: 56px 0 48px; }
  .section { padding: 56px 0; }
  .trust { gap: 14px; }
  .footer-inner { flex-direction: column; align-items: flex-start; }
}