:root{
      --blue:#0B3D91;
      --coral:#ef765e;
      --coral-dark:#c95345;
      --cream:#fff7e8;
      --ink:#252525;
      --muted:#716c67;
      --line:#eadfd1;
      --white:#fff;
      --shadow:0 22px 55px rgba(48,32,24,.14);
      --radius:22px;
    }
    *{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{margin:0;background:var(--cream);color:var(--ink);font-family:"PingFang SC","Microsoft YaHei",Arial,sans-serif;line-height:1.65}
    a{color:inherit;text-decoration:none}
    img{max-width:100%;display:block}
    .container{width:min(1180px,calc(100% - 40px));margin:auto}
    .topbar{height:36px;background:var(--ink);color:#f9eee1;font-size:12px}
    .topbar .container{height:100%;display:flex;align-items:center;justify-content:space-between}
    .topbar-links{display:flex;gap:22px;align-items:center}
    .topbar a{color:#f9eee1}
    .header{position:relative;z-index:20;background:rgba(255,247,232,.96);border-bottom:1px solid var(--line)}
    .header-inner{height:78px;display:flex;align-items:center;gap:36px}
    .logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:20px;white-space:nowrap;color:var(--blue)}
    .logo img{width:38px;height:38px;object-fit:contain}
    .main-nav{flex:1}
    .nav-list{display:flex;list-style:none;align-items:center;justify-content:center;gap:4px;margin:0;padding:0}
    .nav-item{position:static}
    .nav-link{display:flex;align-items:center;gap:5px;padding:27px 13px;font-size:14px;font-weight:600;white-space:nowrap}
    .nav-link:hover,.nav-link:focus{color:var(--coral-dark)}
    .has-arrow:after{content:"⌄";font-size:12px}
    .dropdown-panel,.mega-menu{position:absolute;left:0;right:0;top:100%;opacity:0;visibility:hidden;transform:translateY(7px);transition:.2s;background:var(--white);border-top:3px solid var(--coral);box-shadow:0 18px 35px rgba(0,0,0,.12);padding:24px 0}
    .nav-item:hover .dropdown-panel,.nav-item:focus-within .dropdown-panel,.nav-item:hover .mega-menu,.nav-item:focus-within .mega-menu{opacity:1;visibility:visible;transform:none}
    .dropdown-panel:before,.mega-menu:before{content:"";position:absolute;left:0;right:0;top:-12px;height:12px}
    .dropdown-inner,.mega-inner{width:min(1180px,calc(100% - 40px));margin:auto}
    .dropdown-inner{display:grid;gap:10px}
    .dropdown-inner a{padding:8px 12px;border-radius:8px}
    .dropdown-inner a:hover{background:var(--cream);color:var(--coral-dark)}
    .mega-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
    .mega-card{display:flex;gap:12px;padding:12px;border:1px solid var(--line);border-radius:13px;background:#fffaf3}
    .mega-card img{width:42px;height:42px;border-radius:9px;object-fit:cover}
    .mega-card strong{display:block;font-size:13px}
    .mega-card small{display:block;color:var(--muted);font-size:11px}
    .mega-heading{font-size:12px;color:var(--coral-dark);font-weight:800;margin:0 0 12px}
    .mega-columns{display:grid;grid-template-columns:1fr 2fr;gap:25px}
    .mega-links{display:grid;grid-template-columns:repeat(2,1fr);gap:8px}
    .mega-links a{padding:7px 10px;border-radius:8px;background:#fff8ed;font-size:13px}
    .mega-links a:hover{background:#ffe0d4}
    .mega-footer{display:inline-block;margin-top:17px;color:var(--blue);font-size:13px;font-weight:700}
    .header-btns{display:flex;align-items:center;gap:10px;white-space:nowrap}
    .member-btn,.open-btn{padding:9px 15px;border-radius:999px;font-size:13px;font-weight:700}
    .member-btn{color:var(--blue);border:1px solid #b9c9e5}
    .open-btn{background:var(--blue);color:#fff}
    .hamburger{display:none;border:0;background:none;padding:8px;cursor:pointer}
    .hamburger span{display:block;width:23px;height:2px;margin:4px;background:var(--ink);transition:.2s}
    .drawer-overlay{display:none;position:fixed;inset:0;background:rgba(24,18,14,.45);z-index:40}
    .drawer-overlay.open{display:block}
    .mobile-drawer{position:fixed;right:0;top:0;bottom:0;width:min(360px,88%);background:var(--cream);z-index:41;transform:translateX(100%);transition:.25s;overflow:auto}
    .mobile-drawer.open{transform:translateX(0)}
    .drawer-head{display:flex;align-items:center;gap:10px;padding:20px;border-bottom:1px solid var(--line)}
    .drawer-head a{color:var(--blue);font-weight:700;margin-left:auto}
    .drawer-close{font-size:28px;border:0;background:none;cursor:pointer}
    .drawer-menu{padding:12px 20px 30px}
    .drawer-link,.drawer-toggle{display:block;width:100%;padding:14px 0;border:0;border-bottom:1px solid var(--line);background:none;text-align:left;font:inherit;font-weight:700;cursor:pointer}
    .drawer-toggle:after{content:"＋";float:right;color:var(--coral-dark)}
    .drawer-toggle.active:after{content:"－"}
    .drawer-submenu{display:none;padding:5px 12px 8px}
    .drawer-submenu.open{display:block}
    .drawer-submenu a{display:block;padding:8px 0;color:var(--muted);font-size:14px}
    .hero{position:relative;overflow:hidden;background:var(--coral);padding:92px 0 112px;min-height:650px}
    .hero:before{content:"";position:absolute;width:560px;height:560px;border-radius:50%;background:rgba(255,247,232,.16);left:-180px;top:-190px}
    .hero:after{content:"";position:absolute;width:320px;height:320px;border-radius:50%;border:2px solid rgba(255,247,232,.3);right:-100px;bottom:-120px}
    .hero-stack{position:relative;width:min(800px,calc(100% - 30px));margin:auto;min-height:445px;display:flex;align-items:center;justify-content:center}
    .back-card{position:absolute;border-radius:28px;box-shadow:var(--shadow);border:1px solid rgba(255,255,255,.5)}
    .back-card.one{width:650px;height:330px;background:#f8c9a9;transform:rotate(-6deg) translate(-35px,25px)}
    .back-card.two{width:650px;height:330px;background:#303235;transform:rotate(6deg) translate(38px,18px)}
    .back-card.three{width:620px;height:300px;background:#ffdcae;transform:rotate(-2deg) translate(12px,38px)}
    .main-card{position:relative;z-index:3;width:min(620px,100%);padding:54px 58px;background:var(--cream);border-radius:28px;box-shadow:0 28px 70px rgba(76,37,24,.28);text-align:center}
    .eyebrow{display:inline-flex;padding:6px 13px;border-radius:99px;background:#ffe0cf;color:var(--coral-dark);font-size:12px;font-weight:800;letter-spacing:.08em}
    .main-card h1{font-size:clamp(34px,5vw,62px);line-height:1.12;margin:20px 0 16px;letter-spacing:-.04em}
    .main-card p{color:var(--muted);font-size:16px;margin:0 auto 27px;max-width:500px}
    .hero-actions{display:flex;justify-content:center;gap:12px;flex-wrap:wrap}
    .btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 22px;border-radius:999px;font-weight:700;border:1px solid transparent}
    .btn-primary{background:var(--blue);color:#fff}
    .btn-outline{border-color:#d8bda9;color:var(--ink);background:#fffaf2}
    .float-label{position:absolute;z-index:5;padding:10px 14px;border-radius:13px;background:var(--ink);color:#fff;font-size:12px;box-shadow:0 12px 24px rgba(0,0,0,.18)}
    .float-label.a{top:44px;left:0;transform:rotate(-8deg)}
    .float-label.b{right:0;top:108px;transform:rotate(8deg);background:var(--blue)}
    .float-label.c{left:15px;bottom:52px;background:#fff;color:var(--coral-dark);transform:rotate(5deg)}
    .float-label.d{right:20px;bottom:28px;transform:rotate(-7deg)}
    .hero-note{position:absolute;bottom:24px;left:50%;transform:translateX(-50%);color:#fff4e8;font-size:12px;z-index:4}
    .section{padding:82px 0}
    .section-head{text-align:center;max-width:680px;margin:0 auto 36px}
    .section-head h2{font-size:clamp(27px,4vw,42px);line-height:1.2;margin:8px 0 12px}
    .section-head p{color:var(--muted);margin:0}
    .soft-section{background:#fffaf2}
    .card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
    .info-card{padding:25px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 10px 25px rgba(70,45,27,.05)}
    .info-card .icon{width:43px;height:43px;border-radius:13px;background:#ffe1d4;color:var(--coral-dark);display:grid;place-items:center;font-weight:900;margin-bottom:15px}
    .info-card h3{margin:0 0 8px;font-size:19px}
    .info-card p{color:var(--muted);font-size:14px;margin:0 0 16px}
    .text-link{color:var(--blue);font-weight:700;font-size:13px}
    .broker-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
    .broker-item{background:#fff;padding:18px;border-radius:16px;border:1px solid var(--line)}
    .broker-item strong{display:block;margin-bottom:7px}
    .rating{color:#d56845;font-size:13px}
    .article-list{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
    .article-preview{background:#fff;border-radius:18px;overflow:hidden;border:1px solid var(--line)}
    .article-preview img{height:170px;width:100%;object-fit:cover;background:#eadfd1}
    .article-preview-body{padding:18px}
    .article-preview h3{font-size:17px;line-height:1.4;margin:7px 0}
    .article-preview p{color:var(--muted);font-size:13px;margin:0 0 10px}
    .meta{color:#948b83;font-size:12px}
    .faq-wrap{max-width:800px;margin:auto}
    .faq-item{padding:18px 0;border-bottom:1px solid var(--line)}
    .faq-item summary{cursor:pointer;font-weight:700}
    .faq-item p{color:var(--muted);margin:10px 0 0;font-size:14px}
    .cta-band{margin-top:30px;padding:38px;border-radius:26px;background:var(--blue);color:#fff;text-align:center}
    .cta-band h2{margin:0 0 10px}
    .cta-band p{margin:0 0 20px;color:#dbe7fb}
    .footer{background:var(--ink);color:#eee3d8;padding:55px 0 20px}
    .footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:35px}
    .footer h3{font-size:15px;color:#fff;margin:0 0 15px}
    .footer p,.footer a{color:#bdb2aa;font-size:13px}
    .footer a{display:block;margin:8px 0}
    .footer-brand .logo{color:#fff}
    .footer-brand p{line-height:1.8}
    .footer-bottom{border-top:1px solid #49433e;margin-top:35px;padding-top:17px;color:#9b918a;font-size:12px;display:flex;justify-content:space-between;gap:15px;flex-wrap:wrap}
    @media(max-width:900px){
      .main-nav{display:none}.hamburger{display:block}.header-inner{height:68px;gap:10px}.header-btns{margin-left:auto}.member-btn{display:none}
      .mega-grid,.mega-columns{grid-template-columns:1fr}.footer-grid{grid-template-columns:repeat(2,1fr)}
      .card-grid,.article-list{grid-template-columns:repeat(2,1fr)}.broker-strip{grid-template-columns:repeat(2,1fr)}
      .hero{padding-top:65px}.back-card.one,.back-card.two{width:78%}
    }
    @media(max-width:600px){
      .container{width:min(100% - 28px,1180px)}.topbar{height:auto;padding:7px 0}.topbar .container{display:block}.topbar-links{margin-top:3px;gap:12px;flex-wrap:wrap}
      .header-btns .open-btn{padding:8px 11px;font-size:12px}.logo{font-size:17px}.logo img{width:32px;height:32px}
      .hero{min-height:610px;padding:45px 0 82px}.hero-stack{min-height:470px}.main-card{padding:38px 22px}.main-card h1{font-size:36px}.main-card p{font-size:14px}
      .back-card.one{transform:rotate(-7deg) translate(-5px,25px)}.back-card.two{transform:rotate(7deg) translate(6px,20px)}.back-card.three{transform:rotate(-2deg) translate(0,33px)}
      .float-label{font-size:10px;padding:7px 9px}.float-label.a{left:-2px}.float-label.b{right:-3px}.float-label.c{left:0}.float-label.d{right:0}
      .section{padding:58px 0}.card-grid,.article-list,.broker-strip,.footer-grid{grid-template-columns:1fr}.footer-grid{gap:22px}
      .section-head{margin-bottom:25px}.section-head h2{font-size:30px}
    }