:root{--theme:#0B3D91;--theme-dark:#072d6d;--gold:#d99a2b;--gold-light:#f5cf83;--sand:#f8f0df;--sand-deep:#ead9b7;--coffee:#332419;--ink:#211d19;--muted:#6f685f;--white:#fff;--line:#e8dfcf;--shadow:0 18px 50px rgba(51,36,25,.12);--radius:22px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:#fffdf9;font-family:"Microsoft YaHei","PingFang SC",Arial,sans-serif;line-height:1.65}
body.drawer-locked{overflow:hidden}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button,input{font:inherit}
button{cursor:pointer}
.container{width:min(1180px,calc(100% - 40px));margin:auto}
.topbar{background:var(--coffee);color:#f8ead0;font-size:13px}
.topbar-inner{min-height:38px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.topbar-contact{display:flex;align-items:center;gap:18px}
.topbar a:hover{color:var(--gold-light)}
.header{position:sticky;top:0;z-index:80;background:rgba(255,253,249,.97);border-bottom:1px solid rgba(51,36,25,.09);backdrop-filter:blur(14px)}
.header-inner{height:78px;display:flex;align-items:center;gap:26px}
.logo{display:flex;align-items:center;gap:11px;min-width:max-content;color:var(--coffee);font-weight:800;font-size:20px}
.logo img{width:42px;height:42px;object-fit:contain;border-radius:10px}
.main-nav{height:100%;margin-left:auto}
.nav-list{height:100%;display:flex;align-items:stretch;gap:2px;margin:0;padding:0;list-style:none}
.nav-item{position:relative;display:flex;align-items:center}
.nav-link{height:100%;display:flex;align-items:center;padding:0 12px;font-size:15px;font-weight:700;color:#42372d;transition:.2s}
.nav-link:hover,.nav-item:focus-within>.nav-link{color:var(--theme)}
.has-arrow::after{content:"";width:6px;height:6px;margin-left:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px)}
.dropdown-panel,.mega-menu{position:absolute;top:100%;left:50%;visibility:hidden;opacity:0;pointer-events:none;transform:translate(-50%,10px);transition:.2s;background:#fff;border:1px solid var(--line);border-radius:0 0 18px 18px;box-shadow:var(--shadow)}
.nav-item:hover>.dropdown-panel,.nav-item:focus-within>.dropdown-panel,.nav-item:hover>.mega-menu,.nav-item:focus-within>.mega-menu{visibility:visible;opacity:1;pointer-events:auto;transform:translate(-50%,0)}
.dropdown-panel::before,.mega-menu::before{content:"";position:absolute;left:0;right:0;top:-12px;height:12px}
.dropdown-panel{width:330px;padding:14px}
.dropdown-panel a{display:block;padding:11px 12px;border-radius:10px;color:#51473e;font-size:14px}
.dropdown-panel a:hover{color:var(--theme);background:#f2f6fc}
.dropdown-all{margin-top:6px;border-top:1px solid var(--line);font-weight:800}
.mega-menu{width:min(900px,90vw);padding:24px}
.mega-wide{width:min(1020px,92vw)}
.mega-title{margin:0 0 15px;color:var(--coffee);font-size:18px}
.mega-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.mega-card{min-width:0;padding:14px;border:1px solid var(--line);border-radius:14px;background:#fffdf9;transition:.2s}
.mega-card:hover{border-color:#b9c9e4;transform:translateY(-2px);box-shadow:0 9px 24px rgba(11,61,145,.1)}
.mega-card img{width:44px;height:44px;margin-bottom:9px;border-radius:10px;object-fit:cover}
.mega-card strong{display:block;color:#352a21;font-size:14px}
.mega-card p{margin:5px 0 0;color:var(--muted);font-size:12px;line-height:1.5}
.mega-meta{display:flex;flex-wrap:wrap;gap:5px;margin-top:8px;color:var(--theme);font-size:11px}
.mega-columns{display:grid;grid-template-columns:190px 1fr;gap:24px}
.mega-categories{display:flex;flex-direction:column;gap:7px;border-right:1px solid var(--line);padding-right:20px}
.mega-categories a{padding:8px 10px;border-radius:9px;font-size:13px;font-weight:700}
.mega-categories a:hover{color:var(--theme);background:#f1f5fb}
.mega-footer{display:block;margin-top:17px;padding-top:13px;border-top:1px solid var(--line);color:var(--theme);font-weight:800;font-size:13px;text-align:right}
.video-thumb,.product-thumb{width:100%!important;height:92px!important;margin-bottom:10px!important;border-radius:10px!important;object-fit:cover!important}
.header-btns{display:flex;align-items:center;gap:9px}
.header-btns>a{display:inline-flex;align-items:center;justify-content:center;min-height:40px;padding:0 15px;border-radius:10px;font-size:14px;font-weight:800}
.header-btns>a:first-child{color:var(--theme);border:1px solid #c5d2e8;background:#fff}
.account-btn{color:#fff;background:var(--theme)}
.account-btn:hover{background:var(--theme-dark)}
.hamburger{display:none;width:42px;height:42px;padding:10px;border:0;border-radius:10px;background:#f1f4f9}
.hamburger span{display:block;width:22px;height:2px;margin:4px 0;background:var(--theme);transition:.25s}
.hamburger.active span:nth-child(1){transform:translateY(6px) rotate(45deg)}
.hamburger.active span:nth-child(2){opacity:0}
.hamburger.active span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}
.drawer-overlay{position:fixed;inset:0;z-index:98;visibility:hidden;opacity:0;background:rgba(22,18,14,.55);transition:.25s}
.drawer-overlay.open{visibility:visible;opacity:1}
.mobile-drawer{position:fixed;z-index:99;top:0;right:0;width:min(390px,92vw);height:100%;overflow-y:auto;background:#fffdf9;transform:translateX(105%);transition:.3s;box-shadow:-20px 0 50px rgba(0,0,0,.16)}
.mobile-drawer.open{transform:translateX(0)}
.drawer-head{position:sticky;top:0;z-index:2;display:flex;align-items:center;gap:9px;padding:16px;background:#fff;border-bottom:1px solid var(--line)}
.drawer-head>a{padding:8px 11px;border-radius:8px;color:var(--theme);background:#edf3fc;font-size:13px;font-weight:800}
.drawer-close{margin-left:auto;width:38px;height:38px;border:0;border-radius:9px;color:#fff;background:var(--coffee);font-size:25px;line-height:1}
.drawer-menu{padding:12px 16px 32px}
.drawer-link,.drawer-toggle{display:flex;width:100%;align-items:center;justify-content:space-between;padding:14px 10px;border:0;border-bottom:1px solid var(--line);color:#352c24;background:transparent;text-align:left;font-weight:800}
.drawer-toggle::after{content:"+";color:var(--theme);font-size:21px}
.drawer-toggle.active::after{content:"−"}
.drawer-submenu{display:none;padding:7px 6px 12px 16px;background:#faf6ee}
.drawer-submenu.open{display:block}
.drawer-submenu a{display:block;padding:9px 7px;color:#665d55;font-size:13px;border-bottom:1px dashed #e6dccb}
.hero{position:relative;overflow:hidden}
.hero-layout-02{padding:78px 0 34px;background:radial-gradient(circle at 12% 12%,rgba(217,154,43,.2),transparent 28%),radial-gradient(circle at 87% 8%,rgba(11,61,145,.1),transparent 25%),linear-gradient(180deg,#fff9ec 0%,#f5e6c9 100%)}
.hero-layout-02::before{content:"";position:absolute;inset:0;opacity:.24;background-image:linear-gradient(rgba(51,36,25,.06) 1px,transparent 1px),linear-gradient(90deg,rgba(51,36,25,.06) 1px,transparent 1px);background-size:42px 42px}
.hero-layout-02 .container{position:relative}
.hero-heading{max-width:890px;margin:0 auto 38px;text-align:center}
.hero-kicker{display:inline-flex;align-items:center;gap:8px;padding:7px 13px;border:1px solid rgba(217,154,43,.45);border-radius:999px;color:#765019;background:rgba(255,255,255,.62);font-size:13px;font-weight:800}
.hero-kicker::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--gold)}
.hero-heading h1{margin:18px 0 15px;color:var(--coffee);font-size:clamp(38px,5.4vw,68px);line-height:1.08;letter-spacing:-2px}
.hero-heading h1 em{color:var(--theme);font-style:normal}
.hero-heading p{max-width:720px;margin:auto;color:#675849;font-size:18px}
.hero-entry-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.hero-entry{display:flex;min-height:290px;flex-direction:column;padding:29px;border:1px solid rgba(98,69,34,.16);border-radius:26px;background:rgba(255,253,248,.86);box-shadow:0 16px 40px rgba(84,55,20,.1);transition:.25s}
.hero-entry:hover{transform:translateY(-7px);border-color:rgba(11,61,145,.3);box-shadow:0 24px 55px rgba(65,43,17,.15)}
.entry-icon{display:grid;width:58px;height:58px;place-items:center;border-radius:17px;color:#fff;background:var(--theme);box-shadow:0 10px 22px rgba(11,61,145,.2);font-size:26px}
.hero-entry:nth-child(2) .entry-icon{background:var(--gold)}
.hero-entry:nth-child(3) .entry-icon{background:var(--coffee)}
.hero-entry h2{margin:22px 0 8px;color:var(--coffee);font-size:24px}
.hero-entry p{margin:0 0 22px;color:var(--muted);font-size:14px}
.entry-btn{display:inline-flex;align-items:center;justify-content:space-between;margin-top:auto;padding:11px 14px;border-radius:10px;color:var(--theme);background:#edf3fc;font-weight:800;font-size:14px}
.entry-btn::after{content:"→";font-size:18px}
.hero-entry:nth-child(2) .entry-btn{color:#714c10;background:#faedcf}
.hero-entry:nth-child(3) .entry-btn{color:#fff;background:var(--coffee)}
.trust-strip{display:grid;grid-template-columns:repeat(4,1fr);margin-top:24px;border:1px solid rgba(90,62,28,.15);border-radius:18px;background:rgba(255,255,255,.63);backdrop-filter:blur(9px)}
.trust-item{padding:16px 12px;text-align:center}
.trust-item+ .trust-item{border-left:1px solid rgba(90,62,28,.12)}
.trust-item strong{display:block;color:var(--coffee);font-size:18px}
.trust-item span{color:#746758;font-size:12px}
.section{padding:78px 0}
.section-soft{background:#f7f9fc}
.section-sand{background:var(--sand)}
.section-head{display:flex;align-items:end;justify-content:space-between;gap:25px;margin-bottom:30px}
.section-title small{display:block;margin-bottom:7px;color:var(--gold);font-size:12px;font-weight:900;letter-spacing:2px}
.section-title h2{margin:0;color:var(--coffee);font-size:clamp(28px,4vw,42px);line-height:1.2}
.section-title p{max-width:660px;margin:10px 0 0;color:var(--muted)}
.more-link{flex:none;padding:10px 15px;border:1px solid #c8d4e6;border-radius:10px;color:var(--theme);font-weight:800;font-size:14px}
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.broker-card,.tool-card,.product-card,.video-card{min-width:0;border:1px solid var(--line);border-radius:18px;background:#fff;box-shadow:0 8px 24px rgba(43,35,26,.05);transition:.22s}
.broker-card:hover,.tool-card:hover,.product-card:hover,.video-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.broker-card{padding:20px}
.broker-top{display:flex;align-items:center;gap:13px}
.broker-top img{width:52px;height:52px;object-fit:contain;border:1px solid var(--line);border-radius:12px}
.broker-top h3{margin:0;color:var(--coffee);font-size:17px}
.rating{color:#a66e0b;font-size:13px;font-weight:900}
.broker-card p{min-height:46px;margin:14px 0;color:var(--muted);font-size:13px}
.broker-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:7px}
.broker-stats span{padding:8px 4px;border-radius:8px;color:#60564d;background:#f8f3e9;text-align:center;font-size:11px}
.article-list{display:grid;gap:16px}
.article-row{display:grid;grid-template-columns:260px 1fr;overflow:hidden;border:1px solid var(--line);border-radius:19px;background:#fff;transition:.2s}
.article-row:hover{border-color:#b9c8e1;box-shadow:0 13px 35px rgba(11,61,145,.08)}
.article-row img{width:100%;height:100%;min-height:185px;object-fit:cover}
.article-copy{padding:22px}
.article-copy h3{margin:8px 0;color:var(--coffee);font-size:21px;line-height:1.35}
.article-copy p{margin:8px 0 13px;color:var(--muted);font-size:14px}
.article-meta{display:flex;flex-wrap:wrap;gap:13px;color:#887d72;font-size:12px}
.category-pill{display:inline-flex;padding:4px 9px;border-radius:999px;color:var(--theme);background:#edf3fc;font-size:11px;font-weight:900}
.tool-card{padding:23px}
.tool-card img{width:50px;height:50px;object-fit:contain;border-radius:12px}
.tool-card h3{margin:15px 0 7px;color:var(--coffee)}
.tool-card p{margin:0;color:var(--muted);font-size:13px}
.product-card,.video-card{overflow:hidden}
.product-card>img,.video-card>img{width:100%;height:190px;object-fit:cover}
.card-copy{padding:18px}
.card-copy h3{margin:0 0 8px;color:var(--coffee);font-size:18px}
.card-copy p{margin:0;color:var(--muted);font-size:13px}
.card-meta{display:flex;justify-content:space-between;gap:10px;margin-top:13px;color:#8b8178;font-size:11px}
.video-cover{position:relative}
.video-cover img{width:100%;height:190px;object-fit:cover}
.video-duration{position:absolute;right:10px;bottom:10px;padding:4px 8px;border-radius:6px;color:#fff;background:rgba(0,0,0,.76);font-size:11px}
.faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.faq-item{padding:22px;border:1px solid var(--line);border-radius:16px;background:#fff}
.faq-item h3{margin:0 0 8px;color:var(--coffee);font-size:17px}
.faq-item p{margin:0;color:var(--muted);font-size:14px}
.home-cta{padding:0 0 78px;background:var(--sand)}
.cta-panel{display:flex;align-items:center;justify-content:space-between;gap:25px;padding:38px;border-radius:26px;color:#fff;background:linear-gradient(135deg,var(--coffee),#594027);box-shadow:var(--shadow)}
.cta-panel h2{margin:0 0 8px;font-size:30px}
.cta-panel p{margin:0;color:#e7d6bc}
.cta-actions{display:flex;flex:none;gap:10px}
.cta-actions a{padding:12px 18px;border-radius:10px;font-weight:800}
.cta-primary{color:var(--coffee);background:var(--gold-light)}
.cta-secondary{border:1px solid rgba(255,255,255,.35)}
.footer{color:#d9d2ca;background:#211b17}
.footer-main{display:grid;grid-template-columns:1.35fr 1fr 1fr 1fr;gap:36px;padding:60px 0 38px}
.footer-brand .logo{color:#fff}
.footer-brand p{max-width:320px;color:#aaa19a;font-size:13px}
.footer h3{margin:0 0 15px;color:#fff;font-size:15px}
.footer-links{display:flex;flex-direction:column;gap:9px}
.footer-links a{color:#bcb4ad;font-size:13px}
.footer-links a:hover{color:var(--gold-light)}
.footer-contact p{margin:0 0 9px;color:#bcb4ad;font-size:13px;overflow-wrap:anywhere}
.footer-bottom{display:flex;justify-content:space-between;gap:20px;padding:19px 0;border-top:1px solid rgba(255,255,255,.1);color:#958d87;font-size:12px}
@media(max-width:1050px){
.main-nav{display:none}
.hamburger{display:block}
.header-inner{height:70px}
.header-btns{margin-left:auto}
.hero-entry-grid,.card-grid{grid-template-columns:repeat(2,1fr)}
.hero-entry:nth-child(3),.card-grid>*:last-child{grid-column:1/-1}
.footer-main{grid-template-columns:1fr 1fr}
}
@media(max-width:720px){
.container{width:min(100% - 28px,1180px)}
.topbar-inner{min-height:44px;justify-content:center}
.topbar-welcome{display:none}
.topbar-contact{gap:10px;font-size:11px}
.header-btns>a{display:none}
.logo{font-size:17px}
.hero-layout-02{padding:54px 0 25px}
.hero-heading{margin-bottom:26px}
.hero-heading h1{font-size:38px;letter-spacing:-1px}
.hero-heading p{font-size:15px}
.hero-entry-grid,.card-grid,.faq-grid{grid-template-columns:1fr}
.hero-entry:nth-child(3),.card-grid>*:last-child{grid-column:auto}
.hero-entry{min-height:0;padding:22px}
.trust-strip{grid-template-columns:1fr 1fr}
.trust-item:nth-child(3){border-left:0;border-top:1px solid rgba(90,62,28,.12)}
.trust-item:nth-child(4){border-top:1px solid rgba(90,62,28,.12)}
.section{padding:56px 0}
.section-head{align-items:flex-start;flex-direction:column}
.article-row{grid-template-columns:1fr}
.article-row img{height:210px;min-height:0}
.article-copy{padding:18px}
.cta-panel{align-items:flex-start;flex-direction:column;padding:27px}
.cta-actions{width:100%;flex-direction:column}
.cta-actions a{text-align:center}
.footer-main{grid-template-columns:1fr;padding-top:45px}
.footer-bottom{flex-direction:column}
}