:root{
  --navy:#0f2a4a; --blue:#1c5fb0; --accent:#c8a04a; --ink:#1f2933;
  --muted:#5b6b7b; --line:#e3e8ee; --bg:#ffffff; --soft:#f5f8fb;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,"PingFang SC","Microsoft YaHei",sans-serif;color:var(--ink);line-height:1.65;background:var(--bg)}
a{color:var(--blue);text-decoration:none}
.wrap{max-width:1140px;margin:0 auto;padding:0 22px}
header.nav{position:sticky;top:0;z-index:50;background:rgba(15,42,74,.97);backdrop-filter:blur(6px)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{color:#fff;font-weight:700;font-size:19px;letter-spacing:.3px}
.logo span{color:var(--accent)}
nav ul{display:flex;gap:26px;list-style:none}
nav a{color:#dbe6f3;font-size:14.5px;font-weight:500}
nav a:hover{color:#fff}
.nav-cta{background:var(--accent);color:#1c1408!important;padding:9px 16px;border-radius:6px;font-weight:700}
.menu-btn{display:none;background:none;border:0;color:#fff;font-size:24px;cursor:pointer}
.hero{background:linear-gradient(135deg,#0f2a4a 0%,#1c5fb0 100%);color:#fff;padding:84px 0 76px}
.hero h1{font-size:42px;line-height:1.2;font-weight:800;margin-bottom:18px}
.hero p.sub{font-size:18px;color:#cfe0f2;max-width:680px;margin-bottom:30px}
.badges{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:34px}
.badge{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);padding:7px 14px;border-radius:30px;font-size:13.5px}
.hero-btns a{display:inline-block;padding:13px 26px;border-radius:7px;font-weight:700;margin-right:12px}
.btn-gold{background:var(--accent);color:#1c1408}
.btn-ghost{border:1.5px solid #fff;color:#fff}
section{padding:64px 0}
section.soft{background:var(--soft)}
.sec-title{font-size:30px;font-weight:800;color:var(--navy);margin-bottom:8px}
.sec-lead{color:var(--muted);max-width:760px;margin-bottom:36px}
.about-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:start}
.about-grid p{margin-bottom:14px;color:#34404e}
.profile{background:#fff;border:1px solid var(--line);border-radius:12px;padding:26px;box-shadow:0 6px 22px rgba(15,42,74,.06)}
.profile h3{color:var(--navy);font-size:20px;margin-bottom:4px}
.profile .role{color:var(--accent);font-weight:700;font-size:14px;margin-bottom:14px}
.profile ul{list-style:none;margin-top:10px}
.profile li{padding:6px 0 6px 22px;position:relative;color:#34404e;font-size:14.5px}
.profile li:before{content:"▸";position:absolute;left:0;color:var(--blue)}
.note{background:#fff8e8;border:1px solid #f0dca6;border-radius:8px;padding:12px 16px;font-size:13.5px;color:#7a5e15;margin-top:18px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px;transition:.2s}
.card:hover{transform:translateY(-4px);box-shadow:0 12px 28px rgba(15,42,74,.1)}
.card h4{color:var(--navy);font-size:17px;margin-bottom:12px;display:flex;align-items:center;gap:9px}
.card .ic{width:30px;height:30px;background:var(--soft);border-radius:7px;display:inline-flex;align-items:center;justify-content:center;color:var(--blue);font-weight:800}
.card ul{list-style:none}
.card li{padding:5px 0;color:#3a4654;font-size:14px;border-bottom:1px dashed var(--line)}
.card li:last-child{border-bottom:0}
.faq{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.qa{background:#fff;border:1px solid var(--line);border-radius:10px;padding:20px}
.qa h4{color:var(--navy);font-size:15.5px;margin-bottom:8px}
.qa p{color:#46535f;font-size:14px}
.fees{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.fee{background:#fff;border:1px solid var(--line);border-radius:12px;padding:26px;text-align:center}
.fee .price{font-size:30px;font-weight:800;color:var(--blue);margin:10px 0}
.fee .unit{color:var(--muted);font-size:13px}
.fee p{color:#46535f;font-size:14px;margin-top:8px}
.contact{background:var(--navy);color:#dbe6f3}
.contact .sec-title{color:#fff}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.contact .info p{margin-bottom:12px}
.contact .info b{color:#fff}
.contact form{background:#fff;border-radius:12px;padding:24px}
.contact label{display:block;font-size:13px;color:var(--ink);font-weight:600;margin:12px 0 5px}
.contact input,.contact textarea{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:7px;font-size:14px;font-family:inherit}
.contact button{margin-top:16px;width:100%;background:var(--blue);color:#fff;border:0;padding:13px;border-radius:7px;font-weight:700;font-size:15px;cursor:pointer}
footer{background:#0a1d33;color:#9fb2c7;padding:30px 0;font-size:13px}
footer .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:14px}
footer a{color:#cfe0f2}
.disclaimer{max-width:760px;line-height:1.5}
a.card{display:block;text-decoration:none;color:inherit}
.card li.more{border:0;color:var(--blue);font-weight:700;padding-top:12px}
.steps{list-style:none;counter-reset:step;max-width:820px;margin-top:8px}
.steps li{counter-increment:step;position:relative;padding:16px 0 16px 56px;border-bottom:1px solid var(--line);color:#34404e}
.steps li:before{content:counter(step);position:absolute;left:0;top:14px;width:34px;height:34px;background:var(--blue);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:15px}
.steps li b{color:var(--navy)}
.price-card{border:1px solid var(--line);border-radius:12px;overflow:hidden;max-width:780px;margin-top:6px}
.pc-row{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:14px 20px;border-bottom:1px solid var(--line);font-size:15px;color:#34404e}
.pc-row:last-child{border-bottom:0}
.pc-row span{font-weight:500}
.pc-row b{color:var(--blue);font-size:16px;white-space:nowrap}
.pc-note{margin-top:14px;font-size:13.5px;color:var(--muted)}
.pc-note a{font-weight:700}
@media(max-width:860px){
  nav ul{display:none}
  .menu-btn{display:block}
  .hero h1{font-size:30px}
  .about-grid,.cards,.faq,.fees,.contact-grid{grid-template-columns:1fr}
}