*{box-sizing:border-box}body{margin:0;color:#3d281b;background:#fbf6ec;font-family:"PingFang HK","Microsoft JhengHei",Arial,sans-serif;line-height:1.6}a{text-decoration:none;color:inherit}.notice{text-align:center;padding:9px;background:#fffaf1;color:#b62e22;font-weight:700;border-bottom:1px solid #ead8bd}header{height:94px;background:#fffdf9;display:flex;align-items:center;gap:34px;padding:0 max(24px,calc((100% - 1200px)/2));border-bottom:1px solid #eadfce}.brand{display:flex;align-items:center;gap:12px;min-width:330px}.brand img{width:54px;height:54px;object-fit:contain}.brand b{display:block;font-family:Georgia,serif;letter-spacing:1px;color:#875618;font-size:18px}.brand small{display:block;color:#89745f;font-size:11px}nav{display:flex;gap:26px;flex:1;justify-content:center;font-weight:700}nav a:hover{color:#b8791b}.actions{display:flex;gap:12px}.primary,.outline{display:inline-block;padding:10px 25px;border-radius:9px;font-weight:700}.primary{background:linear-gradient(100deg,#f4cf70,#c88721);color:#fff}.outline{border:1px solid #c99850;color:#6a461d;background:#fff}.hero{min-height:430px;padding:92px max(24px,calc((100% - 1200px)/2));display:flex;align-items:center;justify-content:space-between;background:linear-gradient(90deg,#f9f1e2,#eee1ce)}.hero-copy{max-width:700px}.hero-copy small,.section-head small,.section>small{color:#ad6d13;font-weight:700;letter-spacing:2px}.hero h1{font-size:52px;line-height:1.18;margin:15px 0 25px}.hero p{font-size:18px}.hero-card{background:#fffdf9;border:1px solid #ead7b9;border-radius:22px;padding:28px 36px;min-width:390px;box-shadow:0 14px 40px #75572b18;font-weight:700}.trust{display:flex;justify-content:center;gap:0;background:#fff;padding:24px max(24px,calc((100% - 1000px)/2));border-bottom:1px solid #eadfce}.trust div{min-width:260px;padding:0 35px;border-right:1px solid #eadfce}.trust div:last-child{border:0}.trust b{color:#d18a21;font-size:25px;margin-right:12px}.trust strong,.trust small{display:block;margin-left:39px}.section{max-width:1200px;margin:auto;padding:90px 24px}.section-head{text-align:center;margin-bottom:40px}.section h2{font-size:40px;line-height:1.2;margin:10px 0}.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}.card{background:#fffdf9;border:1px solid #eadcc8;border-radius:20px;padding:28px;min-height:420px;display:flex;flex-direction:column;box-shadow:0 15px 35px #79572b10}.card em{font-style:normal;color:#d18a21;font-weight:700}.card h3{font-size:26px;margin:25px 0 8px}.card p{color:#766657;min-height:65px}.card dl{margin-top:auto}.card dt{font-size:12px;color:#9b8976}.card dd{margin:0 0 10px;font-weight:700}.card .primary{margin-top:15px;text-align:center}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.steps>div{padding:24px;background:#fff;border-radius:16px;border:1px solid #eadcc8}.steps b{color:#d18a21;font-size:24px}.risk{max-width:none;background:#241810;color:#fff0d5;text-align:center}.risk h2{color:#fff}.risk-items{display:grid;grid-template-columns:repeat(4,1fr);max-width:1100px;margin:40px auto 20px;gap:20px}.risk-items>div{padding:20px;border:1px solid #73563b;border-radius:12px}.risk-items b{color:#e5a735;font-size:25px}.warning{color:#e5b864}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px}.split h2{text-align:left}.split details{padding:15px 0;border-bottom:1px solid #e5d7c4}.split summary{cursor:pointer;font-weight:700}.guide{display:block;padding:18px 0;border-bottom:1px solid #e5d7c4}.guide b,.guide span{display:block}.guide span{color:#806f5d}.contact{text-align:center;background:#f0dfc3;max-width:none}.contact h2{font-size:38px}footer{background:#1b130f;color:#f7dfb0;display:grid;grid-template-columns:2fr 1fr 1.5fr 2fr;gap:30px;padding:65px max(24px,calc((100% - 1200px)/2))}footer a,footer p{display:block;color:#d5c2a1;font-size:13px}.loading{text-align:center;padding:120px;font-size:22px}@media(max-width:900px){header{height:auto;flex-wrap:wrap;padding:18px 24px}.brand{min-width:0}nav{order:3;flex-basis:100%;overflow:auto;justify-content:flex-start}.hero{display:block;padding-top:55px}.hero-card{margin-top:35px;min-width:0}.cards,.steps,.risk-items{grid-template-columns:repeat(2,1fr)}footer{grid-template-columns:1fr 1fr}}@media(max-width:600px){.hero h1{font-size:37px}.trust{display:block}.trust div{border:0;padding:10px 0}.cards,.steps,.risk-items,.split{grid-template-columns:1fr}.actions{width:100%}.actions a{flex:1;text-align:center}footer{grid-template-columns:1fr}}
/* 首页首屏背景由 home_hero 轮播位驱动 */
.hero{background-color:#eee1ce;background-position:center;background-size:cover;position:relative;transition:background-image .35s ease}
.hero-actions{display:flex;gap:12px;margin-top:28px}
.hero-dots{position:absolute;bottom:22px;left:50%;transform:translateX(-50%);display:flex;gap:8px}
.hero-dots button{width:10px;height:10px;padding:0;border:1px solid #8b5c25;border-radius:50%;background:#fff8;cursor:pointer}
.hero-dots button.active{background:#b8791b}
.hero-card{background:#fffdf9dd}
.calculator-items{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:0 auto 28px;max-width:900px}.calculator-items>div{padding:18px 20px;background:#fffdf9;border:1px solid #eadcc8;border-radius:12px}.calculator-items strong,.calculator-items span{display:block}.calculator-items strong{color:#ad6d13}.calculator-items span{margin-top:6px;color:#766657;font-size:14px}