:root{--blue:#3f8fe5;--blue-dark:#2875c7;--blue-soft:#eaf4ff;--text:#34495e;--title:#1f2d3d;--muted:#6f7f90;--line:#d8e4f0;--light:#f4f7fb;--lighter:#eef3f9;--shadow:0 12px 32px rgba(43,97,153,.10);--radius:16px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:#fff;color:var(--text);font-family:Arial,"Microsoft YaHei",sans-serif;line-height:1.75;overflow-x:hidden}
body.menu-open{overflow:hidden}
a{color:#2f83d8;text-underline-offset:3px}
a:hover{color:var(--blue-dark)}
img{max-width:100%;height:auto;display:block}
button,a{touch-action:manipulation}
button:focus-visible,a:focus-visible{outline:3px solid rgba(63,143,229,.38);outline-offset:3px}
.skip-link{position:fixed;left:16px;top:-80px;z-index:12000;background:#fff;padding:10px 14px;border-radius:8px;box-shadow:var(--shadow)}
.skip-link:focus{top:12px}
.site-header{position:sticky;top:0;width:100%;z-index:9999;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid #e5edf5;box-shadow:0 6px 20px rgba(43,97,153,.08)}
.header-inner{max-width:1240px;min-height:70px;margin:0 auto;padding:0 20px;display:flex;align-items:center;justify-content:space-between;gap:18px}
.site-logo{display:inline-flex;align-items:center;flex:0 0 auto;text-decoration:none}.site-logo img{display:block;max-height:44px;width:auto}
.nav-core{display:flex;align-items:center;gap:8px;white-space:nowrap}.nav-core a{color:var(--text);text-decoration:none;padding:8px 10px;border-radius:8px;font-size:15px}.nav-core a:hover,.nav-core a.active{color:var(--blue-dark);background:var(--blue-soft)}
.header-actions{display:flex;align-items:center;gap:10px;flex:0 0 auto}
.main-btn,.secondary-btn{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:0 22px;border-radius:10px;text-decoration:none;font-weight:700;position:relative;z-index:2;pointer-events:auto;transition:.2s ease}
.main-btn{color:#fff;background:var(--blue);box-shadow:0 10px 24px rgba(63,143,229,.22)}.main-btn:hover{color:#fff;background:#2f7fd3;transform:translateY(-1px)}
.secondary-btn{color:var(--blue-dark);background:#fff;border:1px solid var(--line)}.secondary-btn:hover{background:var(--blue-soft);transform:translateY(-1px)}
.menu-toggle{width:46px;height:46px;border:1px solid var(--line);background:#fff;border-radius:10px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:5px;cursor:pointer;position:relative;z-index:3}.menu-toggle span{width:21px;height:2px;background:var(--title);border-radius:2px}
.drawer-overlay{position:fixed;inset:0;z-index:10000;background:rgba(19,34,51,.42);opacity:0;transition:opacity .22s ease}.drawer-overlay.is-visible{opacity:1}
.drawer{position:fixed;right:0;top:0;bottom:0;width:min(390px,90vw);z-index:10001;background:#fff;box-shadow:-18px 0 45px rgba(31,45,61,.18);transform:translateX(105%);transition:transform .24s ease;padding:20px;overflow-y:auto}.drawer.is-open{transform:translateX(0)}
.drawer-head{display:flex;align-items:center;justify-content:space-between;padding-bottom:16px;border-bottom:1px solid #e5edf5}.drawer-close{width:44px;height:44px;border:0;background:var(--light);border-radius:50%;font-size:31px;line-height:1;cursor:pointer;color:var(--title)}
.drawer-nav{display:grid;grid-template-columns:1fr 1fr;gap:8px;padding:18px 0}.drawer-nav a{display:block;padding:12px 13px;border-radius:10px;text-decoration:none;color:var(--text);background:#f8fafc;border:1px solid #edf2f7}.drawer-nav a:hover,.drawer-nav a.active{background:var(--blue-soft);color:var(--blue-dark);border-color:#cfe4fb}.drawer-download{width:100%}
.container{width:min(1160px,calc(100% - 40px));margin:0 auto}.narrow{width:min(860px,calc(100% - 40px));margin:0 auto}
.section{padding:84px 0}.section-light{background:var(--light)}.section-soft{background:var(--lighter)}
.section-head{max-width:760px;margin:0 auto 38px;text-align:center}.eyebrow{display:inline-block;color:var(--blue-dark);background:var(--blue-soft);font-weight:700;padding:5px 12px;border-radius:999px;font-size:14px;margin-bottom:12px}.section-title,h1,h2,h3{color:var(--title);line-height:1.28}.section-title{font-size:clamp(29px,4vw,44px);margin:0 0 14px}.section-head p{margin:0;color:var(--muted);font-size:17px}
.hero{position:relative;overflow:hidden;padding:82px 0 76px;background:linear-gradient(180deg,#fff 0%,#f8fbff 100%)}.hero:before,.hero:after{content:"";position:absolute;border-radius:50%;pointer-events:none}.hero:before{width:420px;height:420px;background:#edf6ff;right:-120px;top:-160px}.hero:after{width:260px;height:260px;border:48px solid #f2f8fe;left:-150px;bottom:-150px}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.08fr .92fr;gap:54px;align-items:center}.hero h1{font-size:clamp(39px,6vw,66px);margin:0 0 18px;letter-spacing:-1.5px}.hero-subtitle{font-size:clamp(21px,2.8vw,30px);font-weight:700;color:var(--blue-dark);margin:0 0 18px}.hero-copy{font-size:17px;color:var(--muted);margin:0 0 28px;max-width:700px}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:24px}.hero-links{display:flex;flex-wrap:wrap;gap:18px}.hero-links a{text-decoration:none;font-weight:700}.hero-points{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:28px}.hero-point{display:flex;gap:9px;align-items:flex-start;color:#526579}.hero-point:before{content:"✓";display:inline-flex;align-items:center;justify-content:center;width:22px;height:22px;border-radius:50%;background:var(--blue-soft);color:var(--blue-dark);font-weight:900;flex:0 0 auto;margin-top:2px}.hero-visual{position:relative;display:flex;justify-content:center}.hero-visual img{max-height:580px;object-fit:contain;filter:drop-shadow(0 28px 32px rgba(43,97,153,.16))}
.info-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.info-card,.category-card,.review-card,.faq-card,.content-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 8px 24px rgba(43,97,153,.06)}.info-card{padding:25px}.info-card h3{margin:0 0 10px;font-size:20px}.info-card p{margin:0;color:var(--muted)}
.category-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}.category-card{padding:28px;min-height:190px;display:flex;flex-direction:column;transition:.2s ease}.category-card:last-child{grid-column:1/-1;min-height:auto}.category-card:hover{transform:translateY(-4px);border-color:var(--blue);box-shadow:0 14px 30px rgba(43,97,153,.10)}.category-card h3{margin:0 0 8px;font-size:22px}.category-card p{margin:0 0 18px;color:var(--muted);flex:1}.text-link{font-weight:700;text-decoration:none}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}.split.reverse .media{order:2}.split .media img{width:100%;max-height:430px;object-fit:contain}.content-copy h2{font-size:clamp(29px,4vw,43px);margin:0 0 16px}.content-copy p{margin:0 0 16px;color:#506276}.content-copy .button-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.bullet-list{list-style:none;padding:0;margin:22px 0;display:grid;gap:10px}.bullet-list li{position:relative;padding-left:30px}.bullet-list li:before{content:"";position:absolute;left:0;top:.72em;width:10px;height:10px;border-radius:50%;background:var(--blue)}
.dual-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}.content-card{padding:32px}.content-card img{height:220px;width:100%;object-fit:contain;margin-bottom:22px}.content-card h3{font-size:27px;margin:0 0 13px}.content-card p{margin:0;color:#506276}
.notice{padding:24px 26px;background:#fff8e8;border:1px solid #f1d997;border-radius:14px;color:#66501c}.notice strong{color:#4b390f}.notice.blue{background:var(--blue-soft);border-color:#cfe4fb;color:#34546f}.notice.red{background:#fff2f2;border-color:#efcccc;color:#714040}
.news-list{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.news-item{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px}.news-meta{font-size:14px;color:var(--blue-dark);font-weight:700}.news-item h3{margin:8px 0 10px}.news-item p{margin:0;color:var(--muted)}
.review-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.review-card{padding:25px}.review-card p{margin:0 0 15px}.review-card span{font-size:14px;color:var(--muted)}
.faq-list{display:grid;gap:14px}.faq-card{padding:0;overflow:hidden}.faq-card details{padding:0 22px}.faq-card summary{cursor:pointer;list-style:none;font-weight:700;color:var(--title);padding:20px 35px 20px 0;position:relative}.faq-card summary::-webkit-details-marker{display:none}.faq-card summary:after{content:"+";position:absolute;right:0;top:13px;font-size:28px;color:var(--blue)}.faq-card details[open] summary:after{content:"−"}.faq-card .answer{padding:0 0 20px;color:#526579}
.page-hero{padding:68px 0;background:linear-gradient(135deg,#f7fbff,#edf5fd);border-bottom:1px solid #e2ebf4}.breadcrumbs{font-size:14px;color:var(--muted);margin-bottom:15px}.breadcrumbs a{text-decoration:none}.page-hero h1{font-size:clamp(36px,5vw,56px);margin:0 0 14px}.page-hero p{max-width:800px;margin:0;color:var(--muted);font-size:18px}
.article{padding:68px 0}.article h2{font-size:30px;margin:48px 0 16px}.article h2:first-child{margin-top:0}.article h3{font-size:23px;margin:30px 0 12px}.article p{margin:0 0 18px}.article ul,.article ol{padding-left:24px}.article li{margin-bottom:10px}.article .lead{font-size:19px;color:#4f6173}.article-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin:28px 0}.article-card{border:1px solid var(--line);border-radius:14px;padding:24px;background:#fff}.article-card h3{margin-top:0}.article-card p:last-child{margin-bottom:0}.step-list{counter-reset:step;display:grid;gap:16px;margin:24px 0}.step{position:relative;padding:22px 22px 22px 70px;border:1px solid var(--line);border-radius:14px;background:#fff}.step:before{counter-increment:step;content:counter(step);position:absolute;left:20px;top:20px;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--blue);color:#fff;font-weight:800}
.tag{display:inline-block;padding:4px 10px;border-radius:999px;background:var(--blue-soft);color:var(--blue-dark);font-weight:700;font-size:13px}.table-wrap{overflow-x:auto}.data-table{width:100%;border-collapse:collapse;min-width:680px}.data-table th,.data-table td{padding:14px;border:1px solid var(--line);text-align:left;vertical-align:top}.data-table th{background:var(--light);color:var(--title)}
.cta{padding:48px;border-radius:24px;background:linear-gradient(135deg,#2875c7,#4e9eea);color:#fff;display:flex;align-items:center;justify-content:space-between;gap:30px}.cta h2{color:#fff;margin:0 0 10px;font-size:34px}.cta p{margin:0;opacity:.92}.cta .main-btn{background:#fff;color:var(--blue-dark);box-shadow:none;flex:0 0 auto}.cta .main-btn:hover{background:#f4f8fc;color:var(--blue-dark)}
.site-footer{background:#438ddf;color:#fff}.footer-inner{width:min(1160px,calc(100% - 40px));margin:0 auto;padding:58px 0 38px;display:grid;grid-template-columns:1.05fr 1.95fr;gap:55px}.footer-logo img{filter:brightness(0) invert(1)}.footer-brand p{max-width:440px;opacity:.9}.footer-links{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.footer-links h2{color:#fff;font-size:17px;margin:0 0 12px}.footer-links a{display:block;color:#fff;text-decoration:none;opacity:.9;margin:8px 0}.footer-links a:hover{opacity:1;text-decoration:underline}.footer-risk,.footer-bottom{width:min(1160px,calc(100% - 40px));margin:0 auto}.footer-risk{padding:20px 0;border-top:1px solid rgba(255,255,255,.26);font-size:14px;opacity:.92}.footer-bottom{padding:17px 0 24px;border-top:1px solid rgba(255,255,255,.18);font-size:14px;opacity:.85}
@media(max-width:1050px){.nav-core{display:none}.info-grid{grid-template-columns:repeat(2,1fr)}.news-list,.review-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:900px){.hero-grid,.split{grid-template-columns:1fr}.hero-copy{max-width:none}.hero-visual img{max-height:470px}.split.reverse .media{order:0}.dual-grid{grid-template-columns:1fr}.category-grid{grid-template-columns:repeat(2,1fr)}.category-card:last-child{grid-column:1/-1}.footer-inner{grid-template-columns:1fr}.cta{align-items:flex-start;flex-direction:column}}
@media(max-width:768px){.header-inner{min-height:62px;padding:0 14px;gap:10px}.site-logo img{max-height:35px;max-width:128px}.header-actions{gap:7px}.header-download{min-height:44px;padding:0 14px;font-size:14px}.menu-toggle{width:44px;height:44px}.container,.narrow{width:min(100% - 32px,1160px)}.section{padding:62px 0}.hero{padding:56px 0}.hero h1{letter-spacing:-.5px}.hero-points{grid-template-columns:1fr}.info-grid,.category-grid,.news-list,.review-grid,.article-grid{grid-template-columns:1fr}.category-card:last-child{grid-column:auto}.drawer-nav{grid-template-columns:1fr}.footer-inner,.footer-risk,.footer-bottom{width:min(100% - 32px,1160px)}.footer-links{grid-template-columns:1fr 1fr}.page-hero{padding:48px 0}.article{padding:50px 0}.cta{padding:32px 24px}.cta .main-btn{width:100%}.content-card{padding:24px}}
@media(max-width:480px){.header-download{padding:0 11px}.site-logo img{max-width:108px}.footer-links{grid-template-columns:1fr}.hero-actions .main-btn,.hero-actions .secondary-btn{width:100%}.hero-links{display:grid;gap:10px}.drawer{padding:16px}.section-title{font-size:30px}}