:root{
    --ink:#101421; --ink-2:#3a4152; --ink-3:#6b7385;
    --line:#e4e8f0; --bg:#fbfcfe; --card:#ffffff;
    --brand:#3450c8; --brand-soft:#eef2ff; --brand-line:#cfd9fb;
    --radius:14px;
    --shadow:0 1px 2px rgba(16,24,40,.04), 0 8px 24px -12px rgba(16,24,40,.12);
  }
  *{box-sizing:border-box}
  html{-webkit-text-size-adjust:100%}
  body{
    margin:0; background:var(--bg); color:var(--ink);
    font-family:-apple-system,BlinkMacSystemFont,"Segoe UI","PingFang SC","Hiragino Sans GB","Microsoft YaHei",sans-serif;
    line-height:1.7; font-size:16px;
  }
  .wrap{max-width:960px; margin:0 auto; padding:0 20px}
  header{border-bottom:1px solid var(--line); background:#fff; position:sticky; top:0; z-index:20}
  .bar{display:flex; align-items:center; justify-content:space-between; height:64px}
  .logo{display:flex; align-items:center; gap:10px; font-weight:700; letter-spacing:.02em}
  .logo i{width:22px;height:22px;border-radius:6px;background:var(--brand);display:block;position:relative}
  .logo i::after{content:"";position:absolute;inset:6px;border:2px solid #fff;border-radius:3px;opacity:.9}
  .logo small{font-weight:500;color:var(--ink-3);font-size:12px;margin-left:2px}
  .nav{color:var(--ink-3); font-size:14px; display:flex; gap:18px}
  .nav a{color:inherit; text-decoration:none}
  .nav a:hover{color:var(--ink)}

  .hero{padding:64px 0 48px}
  .tag{display:inline-block; font-size:13px; color:var(--brand); background:var(--brand-soft);
       border:1px solid var(--brand-line); border-radius:999px; padding:4px 12px; margin-bottom:18px}
  h1{font-size:clamp(26px,4.4vw,40px); line-height:1.28; margin:0 0 18px; letter-spacing:-.01em}
  h1 em{font-style:normal; color:var(--brand)}
  .lead{font-size:17px; color:var(--ink-2); margin:0 0 10px; max-width:46em}
  .lead strong{color:var(--ink)}
  .facts{display:flex; flex-wrap:wrap; gap:8px 20px; margin-top:22px; color:var(--ink-3); font-size:14px}
  .facts span::before{content:"·"; margin-right:6px; color:#c3cad6}

  section{padding:44px 0; border-top:1px solid var(--line)}
  h2{font-size:22px; margin:0 0 6px; letter-spacing:-.005em}
  .sub{color:var(--ink-3); font-size:14px; margin:0 0 24px}

  .grid3{display:grid; grid-template-columns:repeat(3,1fr); gap:14px}
  .grid4{display:grid; grid-template-columns:repeat(4,1fr); gap:14px}
  .kwgrid{display:grid; grid-template-columns:repeat(6,1fr); gap:14px}
  .kwgrid .card{grid-column:span 2; display:flex; flex-direction:column}
  .kwgrid .card p:first-of-type{flex:1}
  .kwgrid .card:nth-child(4), .kwgrid .card:nth-child(5){grid-column:span 3}
  .know{display:grid; grid-template-columns:1fr 1fr; gap:14px}
  .card{background:var(--card); border:1px solid var(--line); border-radius:var(--radius);
        padding:22px 20px; box-shadow:var(--shadow)}
  .card .k{font-size:12px; letter-spacing:.08em; color:var(--brand); font-weight:600; margin-bottom:8px}
  .card h3{margin:0 0 8px; font-size:17px}
  .card p{margin:0; font-size:14px; color:var(--ink-2)}
  .card ul{margin:10px 0 0; padding-left:18px; font-size:14px; color:var(--ink-2)}
  .card li{margin:3px 0}
  .card .fit{margin-top:12px; padding-top:10px; border-top:1px dashed var(--line); font-size:12.5px; color:var(--ink-3)}

  .steps{counter-reset:s; display:grid; grid-template-columns:repeat(4,1fr); gap:14px}
  .step{position:relative; padding:20px 18px 18px; border:1px solid var(--line); border-radius:var(--radius); background:#fff}
  .step::before{counter-increment:s; content:counter(s); position:absolute; top:-12px; left:16px;
        width:24px;height:24px;border-radius:8px;background:var(--brand);color:#fff;
        font-size:13px;display:flex;align-items:center;justify-content:center;font-weight:600}
  .step h3{margin:6px 0 6px; font-size:15px}
  .step p{margin:0; font-size:13px; color:var(--ink-2)}

  .proof{background:linear-gradient(180deg,#fff,#f7f9ff); border:1px solid var(--brand-line);
         border-radius:var(--radius); padding:24px 24px}
  .proof h3{margin:0 0 10px; font-size:17px}
  .proof p{margin:0 0 12px; font-size:15px; color:var(--ink-2)}
  .proof p:last-child{margin-bottom:0}
  .proof .row{display:flex; flex-wrap:wrap; gap:10px}
  .proof .row span{border:1px solid var(--brand-line); background:#fff; border-radius:999px;
        padding:5px 12px; font-size:13px; color:var(--ink-2)}

  .cols2{display:grid; grid-template-columns:1fr 1fr; gap:14px}
  .box{border:1px solid var(--line); border-radius:var(--radius); padding:20px; background:#fff}
  .box h3{margin:0 0 10px; font-size:15px}
  .box ul{margin:0; padding-left:18px; font-size:14px; color:var(--ink-2)}
  .box li{margin:5px 0}
  .box.no h3{color:#9a5b52}
  .box.yes h3{color:#2f6b4f}

  .tablewrap{overflow-x:auto; border:1px solid var(--line); border-radius:var(--radius); background:#fff}
  table.term{width:100%; border-collapse:collapse; font-size:14px; min-width:520px}
  table.term th{background:#f6f8fd; text-align:left; font-weight:600; font-size:13px; color:var(--ink-2);
        padding:12px 16px; border-bottom:1px solid var(--line)}
  table.term td{padding:12px 16px; border-bottom:1px solid var(--line); vertical-align:top; color:var(--ink-2)}
  table.term tr:last-child td{border-bottom:0}
  table.term td:first-child{color:var(--ink); font-weight:600; white-space:nowrap; width:150px}

  details{background:var(--card); border:1px solid var(--line); border-radius:12px; padding:14px 18px; margin-bottom:10px}
  details[open]{box-shadow:var(--shadow)}
  summary{cursor:pointer; font-weight:600; font-size:15px; list-style:none; display:flex; justify-content:space-between; gap:16px}
  summary::-webkit-details-marker{display:none}
  summary::after{content:"+"; color:var(--ink-3); font-weight:400}
  details[open] summary::after{content:"–"}
  details p{margin:12px 0 0; font-size:14px; color:var(--ink-2)}

  .note{background:var(--brand-soft); border:1px solid var(--brand-line); border-radius:12px; padding:16px 18px;
        font-size:14px; color:#2b3a6b; margin-top:20px}

  .contact{display:grid; grid-template-columns:1fr 1fr 1.5fr; gap:14px}
  .contact .item{background:#fff; border:1px solid var(--line); border-radius:var(--radius); padding:16px 18px}
  .contact .lab{display:block; font-size:12px; letter-spacing:.08em; color:var(--ink-3); margin-bottom:4px}
  .contact .val{font-size:15px; font-weight:600; color:var(--ink); word-break:break-all}
  .contact a{color:inherit; text-decoration:none}
  .contact a:hover{color:var(--brand)}

  footer{border-top:1px solid var(--line); padding:32px 0 48px; color:var(--ink-3); font-size:13px}
  footer .row{display:flex; flex-wrap:wrap; gap:8px 24px}

  @media (max-width:820px){
    .grid3{grid-template-columns:1fr}
    .grid4{grid-template-columns:1fr 1fr}
    .kwgrid{grid-template-columns:1fr}
    .kwgrid .card, .kwgrid .card:nth-child(4), .kwgrid .card:nth-child(5){grid-column:auto}
    .know{grid-template-columns:1fr}
    .steps{grid-template-columns:1fr 1fr}
    .cols2{grid-template-columns:1fr}
    .contact{grid-template-columns:1fr}
    .nav{display:none}
  }
  @media (max-width:520px){
    .grid4{grid-template-columns:1fr}
    .steps{grid-template-columns:1fr}
    .hero{padding:44px 0 36px}
    table.term{min-width:0}
    table.term td:first-child{white-space:normal; width:76px}
    table.term th, table.term td{padding:10px 12px}
  }

  .logo a{color:inherit;text-decoration:none}
  footer a{color:inherit;text-decoration:none}
  .crumb{font-size:13px;color:var(--ink-3);margin-bottom:18px}
  .crumb a{color:inherit;text-decoration:none}
  .crumb a:hover{color:var(--ink)}
  .crumb span{margin:0 7px;color:#c3cad6}
  .hero-sm{padding:44px 0 36px}
  .linkcard{display:block;color:inherit;text-decoration:none}
  .linkcard:hover{border-color:var(--brand-line)}
  .linkcard .more{display:inline-block;margin-top:10px;font-size:13px;color:var(--brand);font-weight:600}
  .pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}
  .pills span{border:1px solid var(--line);background:#fff;border-radius:999px;padding:5px 12px;font-size:13px;color:var(--ink-2)}
  .siblings{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
  .siblings a{border:1px solid var(--line);background:#fff;border-radius:999px;padding:6px 13px;font-size:13px;color:var(--ink-2);text-decoration:none}
  .siblings a:hover{border-color:var(--brand-line);color:var(--brand)}
  .cta-band{background:var(--brand);color:#fff;border-radius:var(--radius);padding:26px 24px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}
  .cta-band h2{color:#fff;margin:0 0 6px}
  .cta-band p{margin:0;color:#dfe5ff;font-size:14px}
  .cta-band .btn{background:#fff;color:var(--brand);border-radius:999px;padding:10px 18px;text-decoration:none;font-weight:600;font-size:14px;white-space:nowrap}
  .legal{font-size:12.5px;color:var(--ink-3);margin-top:18px}
  @media (max-width:820px){.cta-band{align-items:flex-start;flex-direction:column}}