:root{
      --theme:#0B3D91;
      --ink:#202735;
      --muted:#687386;
      --line:#e5e9f0;
      --soft:#f5f7fb;
      --coral:#ef765d;
      --cream:#fff9ef;
      --white:#fff;
      --shadow:0 18px 50px rgba(20,35,65,.10);
      --radius:18px;
    }
    *{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%;display:block}
    button{font:inherit}
    .container{width:min(1180px,calc(100% - 40px));margin:0 auto}
    .topbar{background:#182335;color:#d9e1ee;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:#fff}
    .header{position:relative;z-index:20;background:#fff;border-bottom:1px solid var(--line)}
    .header-inner{height:78px;display:flex;align-items:center;gap:34px}
    .logo{display:flex;align-items:center;gap:10px;min-width:190px;color:var(--ink);font-weight:800;font-size:19px}
    .logo img{width:34px;height:34px;object-fit:contain}
    .main-nav{flex:1}
    .nav-list{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}
    .nav-item{position:relative}
    .nav-link{display:block;padding:27px 14px;font-size:15px;font-weight:600;white-space:nowrap}
    .nav-link:hover,.nav-link:focus{color:var(--theme)}
    .has-arrow:after{content:"⌄";font-size:12px;margin-left:6px;color:#8c96a6}
    .dropdown-panel,.mega-menu{position:absolute;top:calc(100% - 1px);left:50%;transform:translateX(-50%) translateY(8px);width:330px;padding:22px;background:#fff;border:1px solid var(--line);border-radius:0 0 16px 16px;box-shadow:var(--shadow);opacity:0;visibility:hidden;transition:.22s ease}
    .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{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
    .dropdown-panel:before,.mega-menu:before{content:"";position:absolute;left:0;right:0;height:12px;top:-12px}
    .panel-title{margin:0 0 12px;color:var(--theme);font-weight:800;font-size:14px}
    .panel-list{display:grid;gap:8px}
    .panel-list a{display:block;padding:6px 0;border-bottom:1px solid #f0f2f6;font-size:14px}
    .panel-list a:hover,.mega-card:hover{color:var(--theme)}
    .mega-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
    .mega-card{display:grid;gap:3px;padding:12px;border:1px solid var(--line);border-radius:12px;background:#fbfcfe;font-size:13px}
    .mega-card img{width:30px;height:30px;object-fit:contain}
    .mega-card strong{font-size:14px}
    .mega-card small{color:var(--muted);font-size:11px;line-height:1.45}
    .mega-footer{display:block;margin-top:16px;color:var(--theme);font-size:13px;font-weight:700}
    .header-btns{display:flex;align-items:center;gap:10px;white-space:nowrap}
    .member-link{color:var(--theme);font-size:14px;font-weight:700}
    .open-account{padding:9px 16px;background:var(--theme);color:#fff;border-radius:9px;font-size:13px;font-weight:700}
    .hamburger{display:none;width:42px;height:40px;border:1px solid var(--line);background:#fff;border-radius:9px;padding:9px;cursor:pointer}
    .hamburger span{display:block;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{display:none;position:fixed;inset:0;background:rgba(10,20,35,.45);z-index:30}
    .drawer-overlay.open{display:block}
    .mobile-drawer{position:fixed;right:0;top:0;bottom:0;width:min(360px,88vw);background:#fff;z-index:31;transform:translateX(100%);transition:.28s ease;overflow:auto}
    .mobile-drawer.open{transform:translateX(0)}
    .drawer-head{display:flex;align-items:center;gap:13px;padding:20px;border-bottom:1px solid var(--line);font-weight:800}
    .drawer-head a{margin-left:auto;color:var(--theme);font-size:14px}
    .drawer-close{border:0;background:transparent;font-size:28px;line-height:1;cursor:pointer;color:var(--muted)}
    .drawer-menu{padding:10px 20px 28px}
    .drawer-link,.drawer-toggle{display:block;width:100%;padding:14px 0;border:0;border-bottom:1px solid var(--line);background:none;text-align:left;font-weight:700;color:var(--ink);cursor:pointer}
    .drawer-toggle:after{content:"＋";float:right;color:var(--muted)}
    .drawer-toggle.active:after{content:"－"}
    .drawer-submenu{display:none;padding:4px 0 8px 14px}
    .drawer-submenu.open{display:block}
    .drawer-submenu a{display:block;padding:8px 0;color:var(--muted);font-size:14px}
    .footer{margin-top:80px;background:#172234;color:#cbd5e3;padding:54px 0 20px}
    .footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:38px}
    .footer-brand strong{display:block;color:#fff;font-size:20px;margin-bottom:12px}
    .footer p{margin:8px 0;color:#aebacc;font-size:13px}
    .footer h3{margin:0 0 14px;color:#fff;font-size:15px}
    .footer-grid>div:not(.footer-brand) a{display:block;margin:7px 0;color:#cbd5e3;font-size:13px}
    .footer-grid 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:38px;padding-top:18px;color:#8e9bad;font-size:12px}

    .article-page{background:linear-gradient(180deg,#fbfcff 0,#fff 430px);padding:52px 0 0}
    .article-layout{display:grid;grid-template-columns:minmax(0,790px) 300px;gap:48px;align-items:start}
    .article-main{min-width:0;background:#fff}
    .article-breadcrumb{color:var(--muted);font-size:13px;margin-bottom:20px}
    .article-breadcrumb a{color:var(--theme)}
    .article-head{border-bottom:1px solid var(--line);padding-bottom:27px}
    .article-kicker{display:inline-flex;align-items:center;gap:8px;color:var(--coral);font-size:13px;font-weight:800;letter-spacing:.04em}
    .article-kicker:before{content:"";width:22px;height:3px;border-radius:4px;background:var(--coral)}
    .article-head h1{font-size:clamp(30px,4vw,48px);line-height:1.25;letter-spacing:-.03em;margin:14px 0 16px;color:#162237}
    .article-summary{margin:0;color:var(--muted);font-size:17px}
    .article-meta{display:flex;flex-wrap:wrap;gap:18px;margin-top:20px;color:#7d8796;font-size:13px}
    .article-content{min-width:0;max-width:100%;overflow-x:auto;padding:32px 0;color:#303b4d;font-size:16px}
    .article-content img,.article-content table{max-width:100%;height:auto}
    .article-content h2{margin:30px 0 12px;color:#162237;font-size:25px}
    .article-content h3{margin:24px 0 10px;color:#162237;font-size:20px}
    .article-content p{margin:0 0 18px}
    .article-content blockquote{margin:24px 0;padding:16px 20px;border-left:4px solid var(--coral);background:var(--cream);color:#5c6572}
    .article-tags{display:flex;align-items:center;flex-wrap:wrap;gap:9px;border-top:1px solid var(--line);padding:20px 0}
    .article-tags b{font-size:13px}
    .article-tags a{padding:5px 11px;border-radius:30px;background:#eef3fb;color:var(--theme);font-size:12px}
    .article-pager{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:12px}
    .article-pager a{padding:16px;border:1px solid var(--line);border-radius:12px;background:#fff;font-size:14px}
    .article-pager a:last-child{text-align:right}
    .article-pager span{display:block;color:var(--muted);font-size:12px;margin-bottom:4px}
    .related{margin-top:42px}
    .related h2{font-size:23px;margin:0 0 18px}
    .related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
    .related-card{padding:16px;border:1px solid var(--line);border-radius:14px;background:#fff;transition:.2s}
    .related-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
    .related-card h3{font-size:15px;line-height:1.5;margin:9px 0 6px}
    .related-card p{font-size:12px;color:var(--muted);margin:0}
    .article-aside{position:sticky;top:22px}
    .aside-card{padding:22px;border:1px solid var(--line);border-radius:16px;background:#fff;box-shadow:0 10px 30px rgba(25,45,80,.05);margin-bottom:18px}
    .aside-card h2{font-size:17px;margin:0 0 16px}
    .aside-card p{font-size:13px;color:var(--muted);margin:0}
    .aside-link{display:block;padding:12px 0;border-bottom:1px solid var(--line);font-size:14px}
    .aside-link:last-child{border-bottom:0;padding-bottom:0}
    .risk-note{background:#f1f6ff;border-color:#dbe7fa}
    .risk-note strong{display:block;color:var(--theme);margin-bottom:8px}
    @media(max-width:900px){
      .main-nav{display:none}.hamburger{display:block}
      .header-inner{justify-content:space-between}.header-btns{margin-left:auto}
      .article-layout{grid-template-columns:1fr}.article-aside{position:static}
      .footer-grid{grid-template-columns:repeat(2,1fr)}
    }
    @media(max-width:620px){
      .container{width:min(100% - 28px,1180px)}
      .topbar .container{height:auto;min-height:38px;padding:8px 0;align-items:flex-start;gap:5px;flex-direction:column}
      .topbar-links{gap:12px;flex-wrap:wrap}
      .logo{min-width:0;font-size:16px}.member-link{display:none}.open-account{padding:8px 12px}
      .article-page{padding-top:30px}.article-head h1{font-size:30px}.article-summary{font-size:15px}
      .article-content{font-size:15px;padding-top:24px}.article-pager{grid-template-columns:1fr}
      .article-pager a:last-child{text-align:left}.related-grid{grid-template-columns:1fr}
      .footer{margin-top:54px}.footer-grid{grid-template-columns:1fr 1fr;gap:25px 18px}.footer-brand{grid-column:1/-1}
      .footer-bottom{display:block}.footer-bottom span{display:block;margin:5px 0}
    }