:root {
  --ink: #10233f;
  --muted: #5d6b7e;
  --brand: #0a7c74;
  --brand-dark: #075f5a;
  --gold: #d8a943;
  --paper: #f5f8f7;
  --white: #ffffff;
  --line: #dfe8e6;
  --shadow: 0 20px 50px rgba(16, 35, 63, 0.1);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: "Microsoft YaHei", "PingFang SC", system-ui, sans-serif;
  line-height: 1.7;
}
a { color: inherit; text-decoration: none; }
.shell { width: min(1180px, calc(100% - 40px)); margin: 0 auto; }
.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255,255,255,.94);
  border-bottom: 1px solid rgba(223,232,230,.9);
  backdrop-filter: blur(14px);
}
.nav { min-height: 74px; display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.brand { display: flex; align-items: center; gap: 12px; font-weight: 800; letter-spacing: .03em; }
.brand-mark {
  width: 40px;
  height: 40px;
  display: grid;
  place-items: center;
  border-radius: 13px;
  color: var(--white);
  background: linear-gradient(145deg, var(--brand), var(--brand-dark));
  box-shadow: 0 8px 18px rgba(10,124,116,.22);
}
.nav-links { display: flex; gap: 28px; color: #405167; font-size: 15px; }
.nav-links a:hover { color: var(--brand); }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 0 22px;
  border-radius: 12px;
  border: 1px solid var(--brand);
  background: var(--brand);
  color: var(--white);
  font-weight: 700;
  transition: transform .2s ease, box-shadow .2s ease;
}
.btn:hover { transform: translateY(-2px); box-shadow: 0 12px 22px rgba(10,124,116,.22); }
.btn-light { color: var(--brand); background: var(--white); }
.hero {
  overflow: hidden;
  position: relative;
  padding: 100px 0 88px;
  background:
    radial-gradient(circle at 78% 22%, rgba(216,169,67,.2), transparent 24%),
    radial-gradient(circle at 12% 70%, rgba(10,124,116,.18), transparent 30%),
    linear-gradient(135deg, #f9fbfa, #e9f3f0);
}
.hero::after {
  content: "";
  position: absolute;
  width: 420px;
  height: 420px;
  right: -150px;
  bottom: -260px;
  border: 72px solid rgba(10,124,116,.08);
  border-radius: 50%;
}
.hero-grid { display: grid; grid-template-columns: 1.25fr .75fr; gap: 70px; align-items: center; }
.eyebrow { color: var(--brand); font-weight: 800; letter-spacing: .18em; font-size: 14px; }
h1 { max-width: 760px; margin: 16px 0 22px; font-size: clamp(40px, 5vw, 66px); line-height: 1.12; letter-spacing: -.03em; }
.hero p { max-width: 700px; margin: 0; color: var(--muted); font-size: 19px; }
.hero-actions { display: flex; gap: 14px; margin-top: 34px; flex-wrap: wrap; }
.hero-card {
  padding: 34px;
  border: 1px solid rgba(255,255,255,.8);
  border-radius: 28px;
  background: rgba(255,255,255,.84);
  box-shadow: var(--shadow);
}
.hero-card strong { display: block; margin-bottom: 18px; font-size: 22px; }
.hero-card ul { margin: 0; padding: 0; list-style: none; }
.hero-card li { padding: 13px 0; border-bottom: 1px solid var(--line); color: #405167; }
.hero-card li:last-child { border-bottom: 0; }
.section { padding: 86px 0; }
.section-white { background: var(--white); }
.section-title { max-width: 760px; margin-bottom: 38px; }
.section-title span { color: var(--brand); font-weight: 800; font-size: 14px; letter-spacing: .16em; }
.section-title h2 { margin: 10px 0 12px; font-size: clamp(30px, 3vw, 42px); line-height: 1.25; }
.section-title p { margin: 0; color: var(--muted); }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.card {
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: var(--white);
  box-shadow: 0 10px 30px rgba(16,35,63,.04);
}
.card .num { color: var(--gold); font-size: 13px; font-weight: 900; letter-spacing: .1em; }
.card h3 { margin: 10px 0 8px; font-size: 21px; }
.card p { margin: 0; color: var(--muted); font-size: 15px; }
.feature-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 58px; align-items: center; }
.feature-panel {
  min-height: 360px;
  padding: 42px;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  color: var(--white);
  border-radius: 28px;
  background: linear-gradient(150deg, #0d2c43, #0a7c74);
  box-shadow: var(--shadow);
}
.feature-panel b { font-size: 58px; line-height: 1; color: #f0c665; }
.feature-panel h3 { margin: 18px 0 10px; font-size: 28px; }
.feature-panel p { margin: 0; color: rgba(255,255,255,.78); }
.points { display: grid; gap: 20px; }
.point { padding-left: 22px; border-left: 3px solid var(--gold); }
.point h3 { margin: 0 0 5px; font-size: 20px; }
.point p { margin: 0; color: var(--muted); }
.branch-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.branch { padding: 18px 20px; border-radius: 14px; background: #edf4f2; color: #29435a; }
.contact {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 28px;
  padding: 44px;
  border-radius: 28px;
  color: var(--white);
  background: #10233f;
  box-shadow: var(--shadow);
}
.contact h2 { margin: 0 0 10px; font-size: 36px; }
.contact p { margin: 0; color: rgba(255,255,255,.72); }
.contact-list { display: grid; gap: 10px; align-content: center; }
.contact-list a, .contact-list span { padding: 13px 16px; border-radius: 11px; background: rgba(255,255,255,.08); }
.site-footer { padding: 34px 0; border-top: 1px solid var(--line); background: var(--white); color: var(--muted); font-size: 13px; }
.footer-grid { display: flex; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.footer-links { display: flex; gap: 18px; flex-wrap: wrap; }
.legal-page { padding: 70px 0 90px; }
.legal-card { max-width: 900px; margin: 0 auto; padding: 44px; border-radius: 24px; background: var(--white); box-shadow: var(--shadow); }
.legal-card h1 { font-size: 38px; }
.legal-card h2 { margin-top: 30px; font-size: 22px; }
.legal-card p, .legal-card li { color: #526176; }
.legal-note { padding: 14px 16px; border-radius: 12px; background: #edf4f2; color: var(--brand-dark); }

@media (max-width: 850px) {
  .nav-links { display: none; }
  .hero { padding: 72px 0 64px; }
  .hero-grid, .feature-grid, .contact { grid-template-columns: 1fr; gap: 30px; }
  .cards { grid-template-columns: repeat(2, 1fr); }
  .feature-panel { min-height: 300px; }
}
@media (max-width: 560px) {
  .shell { width: min(100% - 28px, 1180px); }
  .nav .btn { display: none; }
  .cards, .branch-list { grid-template-columns: 1fr; }
  .section { padding: 64px 0; }
  .contact, .legal-card { padding: 28px 22px; }
}