:root{--ink:#101828;--muted:#667085;--line:#e4e7ec;--brand:#f5b800;--brand2:#ffd34d;--navy:#0b1220;--soft:#f7f8fa;--white:#fff;--radius:18px;--shadow:0 18px 50px rgba(16,24,40,.09)}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:82px}body{margin:0;color:var(--ink);font-family:"PingFang SC","Microsoft YaHei",Arial,sans-serif;line-height:1.75;background:#fff;padding-bottom:72px}a{color:inherit;text-decoration:none}.container{width:min(1160px,calc(100% - 40px));margin:auto}.narrow{width:min(940px,calc(100% - 40px))}.skip-link{position:fixed;left:10px;top:-60px;background:#fff;padding:10px 16px;z-index:99}.skip-link:focus{top:10px}.site-header{height:74px;position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid rgba(228,231,236,.85)}.header-inner{height:100%;display:flex;align-items:center;gap:28px}.brand{display:flex;align-items:center;gap:10px;font-weight:800;white-space:nowrap}.brand-mark{width:34px;height:34px;display:grid;place-items:center;border-radius:10px;background:var(--brand);color:#171717;font-size:20px}.nav{display:flex;gap:28px;margin-left:auto;font-size:14px;color:#475467}.nav a:hover{color:#000}.header-cta{padding:9px 18px;border-radius:10px;background:var(--navy);color:#fff;font-size:14px;font-weight:700}.hero{padding:88px 0 76px;background:radial-gradient(circle at 85% 20%,#fff0b3 0,transparent 25%),linear-gradient(135deg,#fff 0,#fffaf0 100%);overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:70px;align-items:center}.eyebrow{margin:0 0 12px;color:#a66d00;font-size:13px;letter-spacing:.12em;font-weight:800;text-transform:uppercase}.hero h1{font-size:clamp(40px,5.4vw,68px);line-height:1.16;letter-spacing:-.04em;margin:0 0 24px}.hero h1 span{color:#b77b00}.hero-copy{font-size:18px;color:#475467;max-width:680px;margin:0 0 30px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 22px;border-radius:11px;font-weight:750}.btn-primary{background:var(--brand);color:#111;box-shadow:0 8px 22px rgba(245,184,0,.24)}.btn-secondary{background:#fff;border:1px solid var(--line)}.update{margin:22px 0 0;color:#98a2b3;font-size:13px}.quick-card{padding:28px;background:var(--navy);border-radius:24px;color:#fff;box-shadow:var(--shadow);transform:rotate(1deg)}.card-label{font-size:13px;color:var(--brand2);font-weight:800;letter-spacing:.1em}.quick-card ol{list-style:none;padding:0;margin:14px 0 0}.quick-card li{display:flex;align-items:center;gap:18px;padding:16px 0;border-bottom:1px solid rgba(255,255,255,.11)}.quick-card li:last-child{border:0}.quick-card li b{color:var(--brand2);font-size:13px}.quick-card li span{font-weight:700;line-height:1.35}.quick-card small{font-weight:400;color:#98a2b3}.trust-strip{background:var(--navy);color:#fff}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);padding:24px 0}.trust-grid div{display:flex;flex-direction:column;padding-left:28px;border-left:1px solid rgba(255,255,255,.14)}.trust-grid strong{color:var(--brand2);font-size:18px}.trust-grid span{font-size:13px;color:#98a2b3}.section{padding:88px 0}.section-tint{background:var(--soft)}.section-dark{background:var(--navy);color:#fff}.section-head{margin-bottom:38px;max-width:760px}.section-head h2,.content-grid h2,.closing h2{font-size:clamp(28px,4vw,42px);line-height:1.25;letter-spacing:-.025em;margin:0 0 12px}.section-head>p:last-child,.content-grid>div>p:last-child{color:var(--muted);margin:0}.section-head.light>p:last-child{color:#98a2b3}.check-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.check-grid article{padding:26px;border:1px solid var(--line);border-radius:var(--radius);background:#fff}.check-grid article span{font-weight:800;color:#b77b00}.check-grid h3{margin:12px 0 6px}.check-grid p{margin:0;color:var(--muted);font-size:15px}.notice{margin-top:20px;padding:18px 22px;border-left:4px solid var(--brand);background:#fff9e8;border-radius:8px;color:#594510}.steps{display:grid;gap:16px}.steps article{display:grid;grid-template-columns:72px 1fr;gap:22px;padding:30px;background:#fff;border:1px solid var(--line);border-radius:var(--radius)}.step-no{font-size:26px;font-weight:900;color:#c18500}.steps h3{font-size:21px;margin:0 0 8px}.steps p{color:#475467;margin:6px 0}.steps ul{padding-left:19px;margin:9px 0 0;color:#475467}.tip,.example{padding:13px 16px!important;border-radius:9px;background:#fff8df;color:#594510!important;font-size:14px}.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius)}table{border-collapse:collapse;width:100%;min-width:720px;background:#fff}th,td{text-align:left;padding:18px 20px;border-bottom:1px solid var(--line)}th{background:#f9fafb;font-size:14px}td{color:#475467}tbody tr:last-child td{border-bottom:0}.risk-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.risk-grid article{padding:25px;background:#141e31;border:1px solid #22304a;border-radius:16px}.risk-grid b{color:var(--brand2);font-size:13px}.risk-grid h3{margin:10px 0 6px}.risk-grid p{margin:0;color:#a9b4c6;font-size:14px}.content-grid{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.fee-list{display:grid;gap:12px}.fee-list div{display:flex;flex-direction:column;padding:18px 20px;border:1px solid var(--line);border-radius:13px}.fee-list span{color:var(--muted);font-size:14px}.faq-list{display:grid;gap:12px}.faq-list details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:0 22px}.faq-list summary{cursor:pointer;font-weight:750;padding:18px 30px 18px 0;position:relative;list-style:none}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{content:"+";position:absolute;right:0;font-size:22px;color:#b77b00}.faq-list details[open] summary:after{content:"−"}.faq-list p{margin:0 0 18px;color:var(--muted)}.closing{background:#fff}.closing-box{padding:42px 48px;border-radius:22px;background:linear-gradient(110deg,#fff3c6,#fffaf0);display:flex;justify-content:space-between;align-items:center;gap:30px}.closing-box h2{margin-bottom:5px}.closing-box p{margin:0;color:#6c5620}footer{padding:58px 0 20px;background:#090f1a;color:#c5ccd8}.footer-grid{display:grid;grid-template-columns:1.2fr .6fr 1fr;gap:60px}.footer-brand{color:#fff}.footer-grid>div{display:flex;flex-direction:column;align-items:flex-start;gap:8px}.footer-grid p{font-size:13px;color:#8994a6;margin:4px 0}.footer-grid b{color:#fff}.footer-grid a:not(.brand){font-size:13px;color:#aab3c1}.copyright{border-top:1px solid #202a3b;margin-top:32px;padding-top:18px;font-size:12px;color:#667085}.bottom-bar{position:fixed;left:50%;bottom:14px;transform:translateX(-50%);z-index:60;width:min(820px,calc(100% - 24px));background:#111a29;color:#fff;padding:12px 14px 12px 22px;border-radius:16px;box-shadow:0 12px 45px rgba(0,0,0,.3);display:flex;align-items:center;justify-content:space-between}.bottom-bar div{display:flex;flex-direction:column;line-height:1.3}.bottom-bar span{font-size:12px;color:#98a2b3}.bottom-bar a{background:var(--brand);color:#111;padding:10px 18px;border-radius:10px;font-size:14px;font-weight:800}
@media(max-width:820px){body{padding-bottom:88px}.container,.narrow{width:min(100% - 28px,1160px)}.site-header{height:64px}.nav{display:none}.header-cta{margin-left:auto}.brand{font-size:14px}.hero{padding:58px 0}.hero-grid,.content-grid{grid-template-columns:1fr;gap:36px}.hero h1{font-size:40px}.hero-copy{font-size:16px}.quick-card{transform:none}.trust-grid{grid-template-columns:repeat(2,1fr);gap:20px}.section{padding:62px 0}.check-grid,.risk-grid{grid-template-columns:1fr}.steps article{grid-template-columns:1fr;gap:6px;padding:23px}.step-no{font-size:18px}.closing-box{padding:30px 24px;align-items:flex-start;flex-direction:column}.footer-grid{grid-template-columns:1fr;gap:30px}.bottom-bar{bottom:8px}.bottom-bar span{display:none}}
@media(max-width:480px){.header-cta{display:none}.hero h1{font-size:34px}.trust-grid strong{font-size:16px}.trust-grid div{padding-left:14px}.bottom-bar{padding-left:15px}.bottom-bar b{font-size:13px}.bottom-bar a{font-size:13px;padding:9px 13px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}