:root {
    --blue: #3f8fe5;
    --blue-dark: #2875c7;
    --blue-soft: #eaf4ff;
    --ink: #1f2d3d;
    --text: #34495e;
    --muted: #6f7f90;
    --line: #d8e4f0;
    --section: #f4f7fb;
    --section-alt: #eef3f9;
    --shadow: 0 12px 32px rgba(43, 97, 153, 0.10);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
    margin: 0;
    background: #ffffff;
    color: var(--text);
    font-family: Arial, "Microsoft YaHei", sans-serif;
    line-height: 1.7;
    overflow-x: hidden;
}
body.drawer-open { overflow: hidden; }
a { color: var(--blue-dark); }
img { max-width: 100%; height: auto; }
button, a { -webkit-tap-highlight-color: transparent; }
.skip-link { position: fixed; left: 12px; top: -80px; z-index: 12000; background: #fff; color: var(--ink); padding: 10px 14px; border-radius: 8px; box-shadow: var(--shadow); }
.skip-link:focus { top: 12px; }
.container { width: min(1160px, calc(100% - 40px)); margin: 0 auto; }
.narrow { width: min(860px, calc(100% - 40px)); margin: 0 auto; }
.section { padding: 88px 0; }
.section-light { background: var(--section); }
.section-alt { background: var(--section-alt); }
.section-head { max-width: 760px; margin-bottom: 40px; }
.section-kicker { margin: 0 0 8px; color: var(--blue-dark); font-weight: 700; letter-spacing: .08em; font-size: 14px; }
.section-title, h1, h2, h3 { color: var(--ink); line-height: 1.25; }
.section-title { margin: 0 0 14px; font-size: clamp(30px, 4vw, 46px); }
.section-copy { margin: 0; color: var(--muted); font-size: 18px; }
.text-link { display: inline-flex; align-items: center; gap: 6px; color: #2f83d8; font-weight: 700; text-decoration: none; }
.text-link:hover { text-decoration: underline; }
.site-header {
    position: sticky;
    top: 0;
    width: 100%;
    z-index: 9999;
    background: rgba(255,255,255,0.94);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid #e5edf5;
    box-shadow: 0 6px 20px rgba(43,97,153,0.08);
}
.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; flex: 0 0 auto; }
.site-logo img { display: block; max-height: 44px; width: auto; }
.nav-core { display: flex; align-items: center; justify-content: center; gap: 4px; }
.nav-core a { color: var(--text); text-decoration: none; padding: 8px 9px; 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: 8px;
    text-decoration: none;
    font-weight: 700;
    position: relative;
    z-index: 2;
    pointer-events: auto;
    touch-action: manipulation;
    transition: transform .2s ease, background .2s ease, border-color .2s ease;
}
.main-btn { color: #fff; background: var(--blue); box-shadow: 0 10px 24px rgba(63,143,229,.22); }
.main-btn:hover { background: #2f7fd3; transform: translateY(-1px); }
.secondary-btn { color: var(--blue-dark); background: #fff; border: 1px solid var(--line); }
.secondary-btn:hover { border-color: var(--blue); transform: translateY(-1px); }
.main-btn:focus-visible, .secondary-btn:focus-visible, .menu-toggle:focus-visible, .drawer-close:focus-visible, a:focus-visible, button:focus-visible { outline: 3px solid rgba(40,117,199,.35); outline-offset: 3px; }
.menu-toggle { width: 44px; height: 44px; border: 1px solid var(--line); border-radius: 8px; background: #fff; display: grid; place-content: center; gap: 4px; cursor: pointer; position: relative; z-index: 2; }
.menu-toggle span { width: 20px; height: 2px; background: var(--ink); display: block; }
.drawer-overlay { position: fixed; inset: 0; background: rgba(20,38,56,.42); z-index: 10000; }
.drawer-menu { position: fixed; right: 0; top: 0; bottom: 0; width: min(390px, 90vw); background: #fff; z-index: 10001; transform: translateX(105%); transition: transform .28s ease; box-shadow: -16px 0 40px rgba(18,61,103,.18); padding: 20px; overflow-y: auto; }
.drawer-menu.open { transform: translateX(0); }
.drawer-head { display: flex; align-items: center; justify-content: space-between; padding-bottom: 18px; border-bottom: 1px solid var(--line); }
.drawer-close { width: 44px; height: 44px; border: 1px solid var(--line); background: #fff; border-radius: 8px; font-size: 28px; cursor: pointer; }
.drawer-links { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; padding: 20px 0; }
.drawer-links a { display: block; color: var(--text); text-decoration: none; padding: 11px 12px; border: 1px solid var(--line); border-radius: 8px; }
.drawer-links a:hover { color: var(--blue-dark); border-color: var(--blue); background: var(--blue-soft); }
.drawer-download { width: 100%; }
.hero { position: relative; overflow: hidden; padding: 86px 0 70px; background: linear-gradient(180deg, #fff 0%, #f7fbff 100%); }
.hero::before { content: ""; position: absolute; width: 460px; height: 460px; border-radius: 50%; right: -180px; top: -170px; background: rgba(63,143,229,.10); pointer-events: none; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.03fr) minmax(340px, .97fr); align-items: center; gap: 56px; }
.hero-copy { position: relative; z-index: 1; }
.hero h1 { margin: 0 0 18px; font-size: clamp(42px, 6vw, 68px); letter-spacing: -.035em; }
.hero-subtitle { color: var(--blue-dark); font-size: clamp(21px, 2.6vw, 30px); font-weight: 700; margin: 0 0 20px; line-height: 1.45; }
.hero-description { font-size: 18px; color: var(--muted); margin: 0 0 28px; max-width: 680px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 24px; }
.hero-links { display: flex; flex-wrap: wrap; gap: 18px; font-size: 14px; }
.hero-links a { color: var(--blue-dark); text-decoration: none; }
.hero-points { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; margin-top: 26px; }
.hero-point { display: flex; gap: 10px; align-items: center; color: var(--text); font-size: 14px; }
.hero-point::before { content: ""; width: 9px; height: 9px; border-radius: 50%; background: var(--blue); box-shadow: 0 0 0 5px var(--blue-soft); }
.hero-visual { position: relative; z-index: 1; display: flex; justify-content: center; }
.hero-visual img { max-width: 100%; max-height: 560px; object-fit: contain; display: block; filter: drop-shadow(0 28px 36px rgba(43,97,153,.18)); }
.quick-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin-top: -24px; position: relative; z-index: 2; }
.info-card, .category-card, .review-card, .faq-card, .content-card, .notice-card { background: #fff; border: 1px solid var(--line); border-radius: 8px; box-shadow: 0 8px 24px rgba(43,97,153,.06); }
.info-card { padding: 26px; }
.info-card h2 { font-size: 20px; margin: 0 0 10px; }
.info-card p { margin: 0; color: var(--muted); }
.category-grid { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 30px; }
.category-card { padding: 28px; min-height: 220px; display: flex; flex-direction: column; transition: transform .2s ease, border-color .2s ease; }
.category-card:hover { transform: translateY(-4px); border-color: var(--blue); }
.category-card h3 { margin: 0 0 12px; font-size: 23px; color: var(--blue-dark); }
.category-card p { margin: 0 0 18px; color: var(--muted); flex: 1; }
.category-card.wide { grid-column: 1 / -1; min-height: auto; display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 24px; }
.split { display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: 64px; }
.split.reverse .feature-image { order: 2; }
.feature-image { min-width: 0; }
.feature-image img, .content-img { max-width: 100%; height: auto; object-fit: contain; display: block; }
.feature-copy h2 { font-size: clamp(30px, 4vw, 46px); margin: 0 0 18px; }
.feature-copy p { color: var(--muted); font-size: 17px; }
.feature-copy ul, .article-body ul { padding-left: 22px; }
.feature-copy li, .article-body li { margin: 8px 0; }
.dual-features { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 30px; }
.content-card { padding: 34px; }
.content-card h2, .content-card h3 { margin-top: 0; }
.content-card img { margin-bottom: 24px; max-height: 270px; width: 100%; object-fit: contain; }
.notice-list { display: grid; gap: 14px; }
.notice-card { padding: 20px 24px; display: grid; grid-template-columns: 130px 1fr auto; gap: 18px; align-items: center; }
.notice-tag { color: var(--blue-dark); font-weight: 700; }
.notice-card h3 { margin: 0 0 4px; font-size: 18px; }
.notice-card p { margin: 0; color: var(--muted); }
.review-grid { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 22px; }
.review-card { padding: 26px; }
.review-card p { margin: 0 0 18px; }
.review-card span { color: var(--muted); font-size: 14px; }
.faq-list { display: grid; gap: 14px; }
.faq-item { border: 1px solid var(--line); background: #fff; border-radius: 8px; overflow: hidden; }
.faq-question { width: 100%; min-height: 58px; border: 0; background: #fff; color: var(--ink); padding: 18px 54px 18px 22px; text-align: left; font: inherit; font-weight: 700; cursor: pointer; position: relative; }
.faq-question::after { content: "+"; position: absolute; right: 22px; top: 50%; transform: translateY(-50%); color: var(--blue-dark); font-size: 26px; }
.faq-item.open .faq-question::after { content: "−"; }
.faq-answer { padding: 0 22px 20px; color: var(--muted); }
.faq-answer p { margin: 0; }
.risk-box { padding: 28px; border: 1px solid #bcd7f2; background: var(--blue-soft); border-radius: 8px; }
.risk-box h2, .risk-box h3 { margin-top: 0; }
.page-hero { padding: 72px 0; background: linear-gradient(180deg, #f7fbff 0%, #fff 100%); border-bottom: 1px solid #e5edf5; }
.page-hero .breadcrumbs { font-size: 14px; color: var(--muted); margin-bottom: 18px; }
.page-hero h1 { font-size: clamp(38px, 5vw, 60px); margin: 0 0 18px; }
.page-hero p { max-width: 780px; font-size: 19px; color: var(--muted); margin: 0; }
.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; }
.article-body h2 { font-size: 30px; margin: 0 0 16px; }
.article-body h3 { font-size: 22px; margin: 28px 0 10px; }
.article-body p { margin: 0 0 16px; }
.article-body .lead { font-size: 19px; color: var(--muted); }
.side-nav { position: sticky; top: 96px; border: 1px solid var(--line); background: #fff; border-radius: 8px; padding: 18px; }
.side-nav strong { display: block; color: var(--ink); margin-bottom: 10px; }
.side-nav a { display: block; color: var(--muted); text-decoration: none; padding: 8px 10px; border-radius: 6px; }
.side-nav a:hover { color: var(--blue-dark); background: var(--blue-soft); }
.steps { counter-reset: step; display: grid; gap: 20px; }
.step { position: relative; padding: 24px 24px 24px 82px; border: 1px solid var(--line); border-radius: 8px; background: #fff; }
.step::before { counter-increment: step; content: counter(step); position: absolute; left: 24px; top: 24px; width: 38px; height: 38px; border-radius: 50%; display: grid; place-items: center; background: var(--blue); color: #fff; font-weight: 700; }
.step h3 { margin: 0 0 8px; }
.step p { margin: 0; color: var(--muted); }
.term-grid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 18px; }
.term { border: 1px solid var(--line); border-radius: 8px; padding: 22px; background: #fff; }
.term h3 { margin: 0 0 8px; color: var(--blue-dark); }
.term p { margin: 0; color: var(--muted); }
.cta-band { padding: 42px; border-radius: 10px; background: var(--blue-dark); color: #fff; display: flex; justify-content: space-between; align-items: center; gap: 28px; }
.cta-band h2 { color: #fff; margin: 0 0 8px; }
.cta-band p { margin: 0; color: rgba(255,255,255,.82); }
.cta-band .main-btn { background: #fff; color: var(--blue-dark); box-shadow: none; flex: 0 0 auto; }
.site-footer { background: #438ddf; color: #fff; padding: 64px 0 24px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr repeat(3, 1fr); gap: 42px; }
.footer-logo img { display: block; max-height: 46px; width: auto; filter: brightness(0) invert(1); }
.footer-brand p { color: rgba(255,255,255,.82); max-width: 430px; }
.site-footer h2 { color: #fff; font-size: 17px; margin: 0 0 14px; }
.site-footer a { display: block; color: rgba(255,255,255,.86); text-decoration: none; margin: 8px 0; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-risk { margin-top: 42px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.2); color: rgba(255,255,255,.84); }
.footer-bottom { margin-top: 20px; color: rgba(255,255,255,.68); font-size: 14px; }
@media (max-width: 1080px) {
    .nav-core { display: none; }
    .quick-grid { grid-template-columns: repeat(2, 1fr); }
    .review-grid { grid-template-columns: repeat(2, 1fr); }
    .article-layout { grid-template-columns: 1fr; }
    .side-nav { display: none; }
}
@media (max-width: 900px) {
    .hero-grid, .split { grid-template-columns: 1fr; gap: 40px; }
    .hero-visual { order: 2; }
    .split.reverse .feature-image { order: 0; }
    .category-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
    .category-card.wide { grid-column: 1 / -1; }
    .dual-features { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
    .header-inner { min-height: 62px; padding: 0 14px; gap: 8px; }
    .site-logo img { max-height: 36px; max-width: 136px; }
    .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: 66px 0; }
    .hero { padding: 60px 0 52px; }
    .hero-grid { grid-template-columns: 1fr; }
    .hero h1 { font-size: clamp(38px, 11vw, 52px); }
    .hero-subtitle { font-size: 22px; }
    .hero-description { font-size: 16px; }
    .hero-actions { display: grid; grid-template-columns: 1fr; }
    .hero-actions .main-btn, .hero-actions .secondary-btn { width: 100%; }
    .hero-points { grid-template-columns: 1fr; }
    .quick-grid { grid-template-columns: 1fr; margin-top: 0; }
    .category-grid { grid-template-columns: 1fr; gap: 18px; }
    .category-card.wide { display: flex; grid-column: auto; }
    .review-grid { grid-template-columns: 1fr; }
    .notice-card { grid-template-columns: 1fr; gap: 6px; }
    .term-grid { grid-template-columns: 1fr; }
    .cta-band { padding: 28px; flex-direction: column; align-items: flex-start; }
    .cta-band .main-btn { width: 100%; }
    .footer-grid { grid-template-columns: 1fr; gap: 28px; }
    .drawer-links { grid-template-columns: 1fr; }
    .page-hero { padding: 54px 0; }
    .step { padding: 72px 22px 22px; }
    .step::before { left: 22px; top: 20px; }
}
@media (max-width: 420px) {
    .site-logo img { max-width: 112px; }
    .header-download { padding: 0 10px; }
    .header-actions { gap: 6px; }
}