:root {
    --blue: #3f8fe5;
    --blue-dark: #2875c7;
    --blue-soft: #eaf4ff;
    --ink: #1f2d3d;
    --text: #34495e;
    --muted: #6f7f90;
    --line: #d8e4f0;
    --soft-line: #e5edf5;
    --section: #f4f7fb;
    --section-alt: #eef3f9;
    --shadow: 0 12px 32px rgba(43,97,153,.10);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
    margin: 0;
    background: #fff;
    color: var(--text);
    font-family: Arial, "Microsoft YaHei", sans-serif;
    font-size: 16px;
    line-height: 1.75;
    overflow-x: hidden;
}
body.drawer-open { overflow: hidden; }
a { color: var(--blue-dark); }
a:focus-visible, button:focus-visible, summary:focus-visible { outline: 3px solid rgba(63,143,229,.35); outline-offset: 3px; }
button, a { -webkit-tap-highlight-color: transparent; }
img { max-width: 100%; height: auto; }
.skip-link { position: fixed; left: 16px; top: -80px; z-index: 20000; padding: 10px 16px; border-radius: 8px; background: var(--ink); color: #fff; text-decoration: none; }
.skip-link:focus { top: 10px; }
.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 var(--soft-line);
    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; gap: 10px; flex: 0 0 auto; color: var(--ink); font-size: 21px; font-weight: 800; text-decoration: none; letter-spacing: -.3px; }
.site-logo img { display: block; width: 42px; height: 42px; object-fit: contain; }
.nav-core { display: flex; align-items: center; justify-content: center; gap: 4px; min-width: 0; }
.nav-core a { color: var(--text); text-decoration: none; padding: 8px 10px; border-radius: 8px; white-space: nowrap; 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: 9px;
    text-decoration: none;
    font-weight: 700;
    position: relative;
    z-index: 2;
    pointer-events: auto;
    touch-action: manipulation;
    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 #aacbeb; }
.secondary-btn:hover { background: var(--blue-soft); border-color: var(--blue); transform: translateY(-1px); }
.menu-toggle { width: 46px; height: 46px; display: inline-flex; flex-direction: column; align-items: center; justify-content: center; gap: 5px; border: 1px solid var(--line); border-radius: 10px; background: #fff; cursor: pointer; position: relative; z-index: 3; }
.menu-toggle span { display: block; width: 20px; height: 2px; border-radius: 2px; background: var(--ink); }
.drawer-overlay { position: fixed; inset: 0; z-index: 10000; background: rgba(20,38,58,.35); opacity: 0; transition: opacity .22s ease; }
.drawer-overlay.is-visible { opacity: 1; }
.drawer { position: fixed; top: 0; right: 0; bottom: 0; width: min(390px, 92vw); z-index: 10001; background: #fff; box-shadow: -20px 0 50px rgba(22,61,96,.18); transform: translateX(104%); transition: transform .25s ease; overflow-y: auto; }
.drawer.is-open { transform: translateX(0); }
.drawer-head { min-height: 72px; padding: 12px 18px; display: flex; align-items: center; justify-content: space-between; border-bottom: 1px solid var(--soft-line); }
.drawer-close { width: 44px; height: 44px; border: 0; border-radius: 10px; background: var(--section); color: var(--ink); font-size: 30px; line-height: 1; cursor: pointer; }
.drawer-nav { padding: 14px 18px; display: grid; gap: 5px; }
.drawer-nav a { min-height: 46px; padding: 8px 12px; display: flex; align-items: center; justify-content: space-between; border-radius: 9px; color: var(--text); text-decoration: none; }
.drawer-nav a:hover, .drawer-nav a.active { background: var(--blue-soft); color: var(--blue-dark); }
.drawer-foot { padding: 18px; border-top: 1px solid var(--soft-line); }
.drawer-foot p { margin-top: 0; color: var(--muted); font-size: 14px; }
.full-btn { width: 100%; }
main { display: block; }
.container { width: min(1160px, calc(100% - 40px)); margin: 0 auto; }
.narrow { width: min(880px, calc(100% - 40px)); margin: 0 auto; }
.section { padding: 88px 0; }
.section-sm { padding: 64px 0; }
.section-light { background: var(--section); }
.section-alt { background: var(--section-alt); }
.section-head { max-width: 760px; margin-bottom: 38px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.eyebrow { display: inline-flex; align-items: center; min-height: 28px; padding: 3px 12px; border-radius: 999px; color: var(--blue-dark); background: var(--blue-soft); font-size: 13px; font-weight: 800; letter-spacing: .5px; }
h1, h2, h3, .section-title { color: var(--ink); line-height: 1.25; }
h1 { font-size: clamp(38px, 5vw, 64px); letter-spacing: -1.8px; margin: 16px 0 20px; }
h2 { font-size: clamp(28px, 3.5vw, 42px); letter-spacing: -.8px; margin: 0 0 16px; }
h3 { font-size: 21px; margin: 0 0 10px; }
p { margin: 0 0 18px; }
.lead { color: #536679; font-size: 19px; line-height: 1.85; }
.hero { position: relative; overflow: hidden; padding: 82px 0 74px; background: linear-gradient(180deg, #fff 0%, #f7fbff 100%); }
.hero::before { content: ""; position: absolute; width: 430px; height: 430px; border-radius: 50%; right: -120px; top: -160px; background: #eaf4ff; }
.hero::after { content: ""; position: absolute; width: 210px; height: 210px; border-radius: 48px; left: -90px; bottom: -110px; background: #f0f6fc; transform: rotate(22deg); }
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.12fr .88fr; align-items: center; gap: 56px; }
.hero-copy { max-width: 690px; }
.hero-copy .lead { max-width: 680px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 28px 0 22px; }
.hero-links { display: flex; flex-wrap: wrap; gap: 18px; font-size: 14px; }
.hero-links a { color: var(--blue-dark); text-decoration: none; border-bottom: 1px solid rgba(40,117,199,.32); }
.hero-visual { display: flex; justify-content: center; align-items: center; }
.hero-visual img { display: block; max-width: 440px; width: 100%; object-fit: contain; filter: drop-shadow(0 30px 40px rgba(43,97,153,.16)); }
.trust-points { margin: 28px 0 0; padding: 0; list-style: none; display: flex; flex-wrap: wrap; gap: 10px; }
.trust-points li { padding: 7px 11px; border: 1px solid #cfe0f1; border-radius: 999px; color: #536679; background: rgba(255,255,255,.8); font-size: 13px; }
.info-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.info-card, .category-card, .review-card, .faq-card, .content-card, .notice-card { background: #fff; border: 1px solid var(--line); border-radius: 10px; box-shadow: 0 8px 24px rgba(43,97,153,.06); }
.info-card { padding: 26px; }
.info-number { width: 38px; height: 38px; display: inline-flex; align-items: center; justify-content: center; border-radius: 9px; background: var(--blue-soft); color: var(--blue-dark); font-weight: 800; margin-bottom: 18px; }
.info-card p { color: var(--muted); font-size: 15px; margin-bottom: 0; }
.category-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
.category-card { min-height: 196px; padding: 28px; display: flex; flex-direction: column; transition: transform .2s ease, border-color .2s ease, box-shadow .2s ease; }
.category-card:hover { transform: translateY(-4px); border-color: var(--blue); box-shadow: var(--shadow); }
.category-card.wide { grid-column: 1 / -1; min-height: 160px; }
.category-card p { color: var(--muted); margin-bottom: 18px; }
.text-link { color: #2f83d8; font-weight: 700; text-decoration: none; margin-top: auto; }
.text-link:hover { text-decoration: underline; }
.split { display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: 64px; }
.split.reverse .feature-image { order: 2; }
.feature-image { display: flex; align-items: center; justify-content: center; min-height: 360px; padding: 28px; border-radius: 18px; background: #fff; border: 1px solid var(--soft-line); }
.feature-image img, .content-img { max-width: 100%; height: auto; object-fit: contain; display: block; }
.feature-copy ul, .article-body ul { padding-left: 22px; }
.feature-copy li, .article-body li { margin-bottom: 8px; }
.feature-copy .actions { margin-top: 26px; display: flex; gap: 12px; flex-wrap: wrap; }
.dual-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 26px; }
.content-card { padding: 32px; }
.content-card img { width: 100%; max-height: 280px; object-fit: contain; margin: 0 auto 24px; }
.service-band { padding: 42px; border: 1px solid #bdd7f0; border-radius: 18px; background: linear-gradient(135deg, #f7fbff, #eaf4ff); display: grid; grid-template-columns: 1.2fr .8fr; gap: 30px; align-items: center; }
.service-band .actions { display: flex; justify-content: flex-end; gap: 12px; flex-wrap: wrap; }
.notice-list { display: grid; gap: 15px; }
.notice-card { padding: 20px 22px; display: grid; grid-template-columns: 135px 1fr auto; gap: 18px; align-items: center; }
.notice-tag { display: inline-flex; width: fit-content; padding: 4px 9px; border-radius: 999px; background: var(--blue-soft); color: var(--blue-dark); font-size: 13px; font-weight: 700; }
.notice-card h3 { font-size: 18px; margin-bottom: 4px; }
.notice-card p { margin: 0; color: var(--muted); font-size: 14px; }
.reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.review-card { padding: 26px; }
.review-card blockquote { margin: 0; color: #4c6073; }
.review-meta { margin-top: 18px; color: var(--blue-dark); font-size: 14px; font-weight: 700; }
.faq-list { display: grid; gap: 14px; }
details.faq-item { border: 1px solid var(--line); background: #fff; border-radius: 10px; overflow: hidden; }
details.faq-item summary { list-style: none; cursor: pointer; padding: 20px 54px 20px 22px; color: var(--ink); font-weight: 700; position: relative; }
details.faq-item summary::-webkit-details-marker { display: none; }
details.faq-item summary::after { content: "+"; position: absolute; right: 22px; top: 50%; transform: translateY(-50%); color: var(--blue-dark); font-size: 24px; }
details.faq-item[open] summary::after { content: "−"; }
details.faq-item .faq-answer { padding: 0 22px 20px; color: var(--muted); }
.risk-panel { padding: 34px; border-left: 4px solid var(--blue); border-radius: 8px; background: #f6faff; }
.risk-panel h2, .risk-panel h3 { margin-top: 0; }
.page-hero { padding: 72px 0 58px; background: linear-gradient(180deg, #f8fbff 0%, #fff 100%); border-bottom: 1px solid var(--soft-line); }
.page-hero .container { display: grid; grid-template-columns: 1fr auto; align-items: end; gap: 30px; }
.page-hero h1 { font-size: clamp(36px, 5vw, 54px); }
.page-hero p { max-width: 780px; }
.page-hero .page-mark { width: 96px; height: 96px; border-radius: 24px; display: grid; place-items: center; background: var(--blue-soft); color: var(--blue-dark); font-size: 34px; font-weight: 800; }
.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 280px; gap: 50px; align-items: start; }
.article-body { min-width: 0; }
.article-body section { margin-bottom: 54px; scroll-margin-top: 100px; }
.article-body h2 { font-size: 30px; margin-bottom: 18px; }
.article-body h3 { font-size: 21px; margin-top: 28px; }
.article-body p { color: #4e6174; }
.article-body .content-card { margin: 28px 0; }
.toc { position: sticky; top: 96px; padding: 22px; border: 1px solid var(--line); border-radius: 10px; background: #fff; }
.toc h2 { font-size: 17px; margin-bottom: 12px; }
.toc a { display: block; padding: 7px 0; color: var(--muted); text-decoration: none; font-size: 14px; border-bottom: 1px solid #edf2f7; }
.toc a:hover { color: var(--blue-dark); }
.step-list { counter-reset: steps; display: grid; gap: 18px; }
.step-item { counter-increment: steps; position: relative; padding: 24px 24px 24px 74px; border: 1px solid var(--line); border-radius: 10px; background: #fff; }
.step-item::before { content: counter(steps); position: absolute; left: 22px; top: 24px; width: 36px; height: 36px; display: grid; place-items: center; border-radius: 50%; background: var(--blue); color: #fff; font-weight: 800; }
.check-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.check-item { padding: 16px 18px; border: 1px solid var(--line); border-radius: 9px; background: #fff; }
.check-item strong { color: var(--ink); display: block; margin-bottom: 5px; }
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: 10px; }
table { width: 100%; min-width: 680px; border-collapse: collapse; background: #fff; }
th, td { padding: 15px 16px; text-align: left; border-bottom: 1px solid var(--soft-line); vertical-align: top; }
th { color: var(--ink); background: var(--section); }
.badge { display: inline-flex; padding: 3px 9px; border-radius: 999px; background: var(--blue-soft); color: var(--blue-dark); font-size: 13px; font-weight: 700; }
.cta-panel { padding: 40px; border-radius: 18px; background: #438ddf; color: #fff; display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.cta-panel h2 { color: #fff; margin-bottom: 10px; }
.cta-panel p { margin-bottom: 0; opacity: .92; }
.cta-panel .main-btn { background: #fff; color: var(--blue-dark); box-shadow: none; white-space: nowrap; }
.contact-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.contact-card { padding: 28px; border: 1px solid var(--line); border-radius: 10px; background: #fff; }
.contact-card h2 { font-size: 23px; }
.site-footer { background: #438ddf; color: #fff; }
.footer-inner { width: min(1160px, calc(100% - 40px)); margin: 0 auto; padding: 64px 0 42px; display: grid; grid-template-columns: .9fr 1.4fr; gap: 64px; }
.footer-logo { color: #fff; margin-bottom: 20px; }
.footer-logo img { background: #fff; border-radius: 10px; padding: 3px; }
.footer-brand p { color: rgba(255,255,255,.88); max-width: 430px; }
.footer-links { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
.footer-links h2 { color: #fff; font-size: 17px; margin-bottom: 14px; }
.footer-links a { display: block; color: rgba(255,255,255,.88); text-decoration: none; margin: 8px 0; }
.footer-links a:hover { color: #fff; text-decoration: underline; }
.footer-risk { width: min(1160px, calc(100% - 40px)); margin: 0 auto; padding: 20px 0; border-top: 1px solid rgba(255,255,255,.22); border-bottom: 1px solid rgba(255,255,255,.22); color: rgba(255,255,255,.88); font-size: 14px; }
.footer-bottom { width: min(1160px, calc(100% - 40px)); margin: 0 auto; padding: 18px 0 24px; color: rgba(255,255,255,.78); font-size: 14px; }
@media (max-width: 1080px) {
    .nav-core { display: none; }
    .info-grid { grid-template-columns: repeat(2, 1fr); }
    .reviews-grid { grid-template-columns: repeat(2, 1fr); }
    .article-layout { grid-template-columns: 1fr; }
    .toc { position: static; order: -1; }
}
@media (max-width: 840px) {
    .section { padding: 68px 0; }
    .hero { padding: 58px 0 64px; }
    .hero-grid, .split, .service-band { grid-template-columns: 1fr; }
    .hero-copy { max-width: none; }
    .hero-visual { order: 2; }
    .hero-visual img { max-width: 360px; }
    .split.reverse .feature-image { order: 0; }
    .category-grid { grid-template-columns: repeat(2, 1fr); }
    .category-card.wide { grid-column: 1 / -1; }
    .dual-grid { grid-template-columns: 1fr; }
    .service-band .actions { justify-content: flex-start; }
    .notice-card { grid-template-columns: 110px 1fr; }
    .notice-card .text-link { grid-column: 2; }
    .footer-inner { grid-template-columns: 1fr; gap: 34px; }
}
@media (max-width: 680px) {
    .header-inner { min-height: 62px; padding: 0 14px; gap: 8px; }
    .site-logo { gap: 7px; font-size: 18px; }
    .site-logo img { width: 36px; height: 36px; }
    .header-actions { gap: 7px; }
    .header-download { min-height: 44px; padding: 0 14px; font-size: 14px; }
    .menu-toggle { width: 44px; height: 44px; }
    .container, .narrow, .footer-inner, .footer-risk, .footer-bottom { width: min(100% - 32px, 1160px); }
    h1 { font-size: 39px; }
    .lead { font-size: 17px; }
    .hero-actions { display: grid; grid-template-columns: 1fr; }
    .hero-actions a { width: 100%; }
    .hero-links { gap: 11px 16px; }
    .info-grid, .category-grid, .reviews-grid, .check-grid, .contact-grid { grid-template-columns: 1fr; }
    .category-card.wide { grid-column: auto; min-height: 196px; }
    .feature-image { min-height: 250px; padding: 18px; }
    .service-band { padding: 28px 22px; }
    .notice-card { grid-template-columns: 1fr; gap: 8px; }
    .notice-card .text-link { grid-column: auto; }
    .page-hero { padding: 52px 0 42px; }
    .page-hero .container { grid-template-columns: 1fr; }
    .page-hero .page-mark { display: none; }
    .article-body section { margin-bottom: 44px; }
    .content-card, .review-card, .info-card { padding: 22px; }
    .step-item { padding: 22px 18px 22px 66px; }
    .step-item::before { left: 16px; top: 22px; }
    .cta-panel { padding: 28px 22px; flex-direction: column; align-items: flex-start; }
    .cta-panel .main-btn { width: 100%; }
    .footer-links { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 420px) {
    .site-logo span { display: none; }
    .drawer .site-logo span, .footer-logo span { display: inline; }
    .header-download { padding: 0 12px; }
    .footer-links { grid-template-columns: 1fr; }
}