:root{
      --primary:#0B3D91;
      --primary-dark:#082b68;
      --ink:#172235;
      --muted:#687386;
      --line:#e5eaf1;
      --soft:#f4f7fb;
      --orange:#ef7d32;
      --white:#fff;
      --shadow:0 16px 40px rgba(18,42,78,.09);
      --radius:16px;
    }
    *{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{margin:0;color:var(--ink);background:#fff;font-family:"PingFang SC","Microsoft YaHei",Arial,sans-serif;line-height:1.7}
    a{color:inherit;text-decoration:none}
    img{max-width:100%;height:auto}
    button{font:inherit}
    .container{width:min(1180px,calc(100% - 40px));margin:0 auto}
    .topbar{background:#10213d;color:#dce7f7;font-size:13px}
    .topbar .container{height:38px;display:flex;align-items:center;justify-content:space-between}
    .topbar-links{display:flex;gap:22px}
    .topbar a{color:#dce7f7}
    .header{position:relative;z-index:20;background:#fff;border-bottom:1px solid var(--line)}
    .header-inner{min-height:78px;display:flex;align-items:center;gap:30px}
    .logo{display:flex;align-items:center;gap:10px;color:var(--primary);font-size:20px;font-weight:800;white-space:nowrap}
    .logo img{width:38px;height:38px;object-fit:contain}
    .main-nav{margin-left:auto}
    .nav-list{display:flex;align-items:center;gap:4px;padding:0;margin:0;list-style:none}
    .nav-item{position:relative}
    .nav-link{display:block;padding:28px 14px;color:#29364c;font-size:15px;white-space:nowrap}
    .nav-link:hover,.nav-link:focus{color:var(--primary)}
    .has-arrow:after{content:"";display:inline-block;width:6px;height:6px;margin:0 0 3px 7px;border-right:1px solid currentColor;border-bottom:1px solid currentColor;transform:rotate(45deg)}
    .dropdown-panel,.mega-menu{position:absolute;top:calc(100% - 1px);left:50%;z-index:30;visibility:hidden;opacity:0;transform:translate(-50%,8px);transition:.2s ease;background:#fff;border:1px solid var(--line);border-radius:0 0 14px 14px;box-shadow:var(--shadow);padding:18px}
    .dropdown-panel{width:260px}
    .dropdown-panel a{display:block;padding:9px 10px;border-bottom:1px solid #f0f2f6;font-size:14px}
    .dropdown-panel a:last-child{border:0;color:var(--primary);font-weight:700}
    .mega-menu{width:620px}
    .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;transform:translate(-50%,0)}
    .mega-menu:before,.dropdown-panel:before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
    .mega-title{display:flex;justify-content:space-between;align-items:center;margin-bottom:13px;font-size:14px;font-weight:800;color:var(--primary)}
    .mega-title a{font-size:12px;color:var(--muted);font-weight:500}
    .mega-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:9px}
    .mega-card{display:block;padding:12px;border:1px solid var(--line);border-radius:10px;transition:.2s}
    .mega-card:hover{border-color:#9eb6dc;background:#f7faff}
    .mega-card img{width:24px;height:24px;object-fit:contain;display:block;margin-bottom:6px}
    .mega-card strong{display:block;font-size:13px;margin-bottom:3px}
    .mega-card small{display:block;color:var(--muted);font-size:11px;line-height:1.55}
    .mega-footer{display:block;margin-top:14px;padding-top:13px;border-top:1px solid var(--line);color:var(--primary);font-size:13px;font-weight:700}
    .header-btns{display:flex;align-items:center;gap:10px}
    .member-link{color:var(--primary);font-size:13px;font-weight:700}
    .open-account{background:var(--primary);color:#fff;border-radius:8px;padding:9px 14px;font-size:13px;font-weight:700}
    .hamburger{display:none;border:0;background:none;padding:6px;cursor:pointer}
    .hamburger span{display:block;width:23px;height:2px;background:var(--ink);margin:5px 0;transition:.2s}
    .hamburger.active span:nth-child(1){transform:translateY(7px) rotate(45deg)}
    .hamburger.active span:nth-child(2){opacity:0}
    .hamburger.active span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
    .drawer-overlay{position:fixed;inset:0;background:rgba(7,18,38,.5);opacity:0;visibility:hidden;z-index:40;transition:.2s}
    .drawer-overlay.open{opacity:1;visibility:visible}
    .mobile-drawer{position:fixed;right:0;top:0;bottom:0;width:min(390px,88vw);background:#fff;z-index:41;transform:translateX(100%);transition:.25s;overflow:auto}
    .mobile-drawer.open{transform:translateX(0)}
    .drawer-head{display:flex;align-items:center;gap:14px;padding:22px;border-bottom:1px solid var(--line)}
    .drawer-head strong{margin-right:auto;color:var(--primary)}
    .drawer-head a{color:var(--primary);font-size:14px;font-weight:700}
    .drawer-close{border:0;background:none;font-size:28px;line-height:1;cursor:pointer;color:var(--muted)}
    .drawer-menu{padding:12px 22px 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;color:var(--ink);font-size:15px;cursor:pointer}
    .drawer-toggle:after{content:"+";float:right;color:var(--muted);font-size:20px}
    .drawer-toggle.active:after{content:"−"}
    .drawer-submenu{display:none;padding:4px 0 8px 16px}
    .drawer-submenu.open{display:block}
    .drawer-submenu a{display:block;padding:8px 0;color:var(--muted);font-size:14px}
    .footer{background:#101d34;color:#c8d3e5;margin-top:70px;padding:52px 0 20px}
    .footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:42px}
    .footer-brand{color:#fff;font-size:21px;font-weight:800;margin-bottom:12px}
    .footer p{margin:8px 0;color:#aebbd0;font-size:13px}
    .footer h3{margin:0 0 14px;color:#fff;font-size:15px}
    .footer-grid>div>a{display:block;color:#b8c6da;font-size:13px;margin:8px 0}
    .footer-grid>div>a:hover{color:#fff}
    .footer-bottom{display:flex;justify-content:space-between;gap:20px;border-top:1px solid rgba(255,255,255,.12);margin-top:35px;padding-top:18px;font-size:12px;color:#91a1ba}
    .article-page{background:linear-gradient(#f7f9fc 0 300px,#fff 300px)}
    .article-wrap{padding:58px 0 10px}
    .breadcrumb{display:flex;gap:8px;align-items:center;color:#7c8899;font-size:13px;margin-bottom:22px}
    .breadcrumb a:hover{color:var(--primary)}
    .article-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:34px;align-items:start}
    .article-main{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:38px 44px;min-width:0}
    .article-kicker{display:inline-flex;align-items:center;gap:8px;color:var(--orange);font-size:13px;font-weight:800;margin-bottom:14px}
    .article-kicker:before{content:"";width:22px;height:3px;border-radius:3px;background:var(--orange)}
    .article-main h1{margin:0 0 18px;color:#142541;font-size:clamp(28px,4vw,44px);line-height:1.25;letter-spacing:-.02em}
    .article-meta{display:flex;flex-wrap:wrap;gap:18px;color:#7b8799;font-size:13px;padding-bottom:22px;border-bottom:1px solid var(--line)}
    .article-meta strong{color:#53647b;font-weight:600}
    .article-content{padding-top:28px;min-width:0;max-width:100%;overflow-x:auto;font-size:16px;color:#35435a}
    .article-content>*{max-width:100%}
    .article-content h2,.article-content h3{color:#172b4d;line-height:1.4;margin:30px 0 13px}
    .article-content h2{font-size:25px;border-left:4px solid var(--orange);padding-left:12px}
    .article-content h3{font-size:20px}
    .article-content p{margin:0 0 18px}
    .article-content img,.article-content table{max-width:100%;height:auto}
    .article-content blockquote{margin:24px 0;padding:16px 20px;background:#f4f7fb;border-left:4px solid var(--primary);color:#52627a}
    .article-content ul,.article-content ol{padding-left:24px}
    .article-tags{display:flex;flex-wrap:wrap;gap:8px;margin-top:28px;padding-top:22px;border-top:1px solid var(--line)}
    .article-tags a{padding:5px 11px;border-radius:20px;background:#edf3fb;color:var(--primary);font-size:12px}
    .article-nav{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:32px;padding-top:22px;border-top:1px solid var(--line)}
    .article-nav a{display:block;padding:14px;background:#f7f9fc;border-radius:10px;font-size:13px}
    .article-nav a:last-child{text-align:right}
    .article-nav span{display:block;color:#8a96a7;font-size:12px;margin-bottom:4px}
    .article-side{display:grid;gap:18px}
    .side-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;box-shadow:0 8px 25px rgba(18,42,78,.05)}
    .side-card h2{font-size:17px;margin:0 0 15px;color:#19335d}
    .side-card h2:after{content:"";display:block;width:28px;height:3px;background:var(--orange);margin-top:8px;border-radius:3px}
    .side-card p{font-size:13px;color:var(--muted);margin:0;line-height:1.8}
    .like-list{display:grid;gap:13px}
    .like-list a{display:block;padding-bottom:13px;border-bottom:1px solid var(--line);font-size:13px;line-height:1.55}
    .like-list a:last-child{border-bottom:0;padding-bottom:0}
    .like-list small{display:block;color:#9aa5b4;margin-top:4px}
    .article-cta{background:linear-gradient(135deg,var(--primary),#1764b9);color:#fff}
    .article-cta h2{color:#fff}
    .article-cta h2:after{background:#ffae71}
    .article-cta p{color:#dbe8f8}
    .article-cta a{display:inline-block;margin-top:14px;background:#fff;color:var(--primary);padding:9px 14px;border-radius:8px;font-size:13px;font-weight:700}
    @media(max-width:1050px){
      .main-nav{display:none}
      .hamburger{display:block}
      .header-btns{margin-left:auto}
      .article-layout{grid-template-columns:minmax(0,1fr) 260px}
    }
    @media(max-width:760px){
      .container{width:min(100% - 28px,620px)}
      .topbar .container{height:auto;min-height:38px;padding:8px 0;align-items:flex-start;gap:8px}
      .topbar-links{flex-direction:column;gap:0;text-align:right}
      .header-inner{min-height:68px}
      .logo{font-size:17px}
      .logo img{width:32px;height:32px}
      .member-link{display:none}
      .open-account{padding:8px 10px}
      .article-page{background:linear-gradient(#f7f9fc 0 200px,#fff 200px)}
      .article-wrap{padding:32px 0 0}
      .article-layout{display:block}
      .article-main{padding:25px 20px}
      .article-main h1{font-size:29px}
      .article-side{margin-top:20px}
      .article-nav{grid-template-columns:1fr}
      .article-nav a:last-child{text-align:left}
      .footer-grid{grid-template-columns:1fr 1fr;gap:28px 18px}
      .footer-bottom{display:block}
      .footer-bottom span{display:block;margin-top:6px}
    }
    @media(max-width:440px){
      .topbar{font-size:11px}
      .footer-grid{grid-template-columns:1fr}
      .article-meta{gap:8px 14px}
    }