:root{
      --theme:#0B3D91;
      --theme-dark:#072b68;
      --theme-soft:#eaf1ff;
      --template-theme:{主题色};
      --accent:#f47b5f;
      --cream:#fff8ec;
      --ink:#252a33;
      --muted:#667085;
      --line:#e4e8ef;
      --surface:#fff;
      --page:#f5f7fb;
      --success:#14875d;
      --shadow:0 18px 45px rgba(19,35,66,.10);
      --radius:18px;
    }

    *{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{
      margin:0;
      color:var(--ink);
      background:var(--page);
      font-family:"Microsoft YaHei","PingFang SC","Noto Sans CJK SC",Arial,sans-serif;
      line-height:1.65;
      -webkit-font-smoothing:antialiased;
    }
    body,button,input,select,textarea{font:inherit}
    img{display:block;max-width:100%}
    a{color:inherit;text-decoration:none}
    button{color:inherit}
    .container{width:min(1180px,calc(100% - 40px));margin:0 auto}

    .topbar{
      position:relative;
      z-index:80;
      color:#dfe9ff;
      background:#06265d;
      font-size:13px;
    }
    .topbar .container{
      min-height:36px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:20px;
    }
    .topbar-links{display:flex;align-items:center;gap:22px}
    .topbar a:hover{color:#fff;text-decoration:underline}

    .header{
      position:relative;
      z-index:70;
      background:rgba(255,255,255,.98);
      border-bottom:1px solid var(--line);
      box-shadow:0 5px 20px rgba(15,35,70,.05);
    }
    .header-inner{
      position:relative;
      min-height:78px;
      display:flex;
      align-items:center;
      gap:28px;
    }
    .logo{
      min-width:190px;
      display:flex;
      align-items:center;
      gap:11px;
      color:var(--theme);
      font-size:18px;
      font-weight:800;
    }
    .logo img{
      width:42px;
      height:42px;
      object-fit:contain;
      border-radius:10px;
    }
    .main-nav{margin-left:auto;height:78px}
    .nav-list{
      height:100%;
      display:flex;
      align-items:stretch;
      gap:2px;
      margin:0;
      padding:0;
      list-style:none;
    }
    .nav-item{position:relative;display:flex;align-items:center}
    .nav-link{
      height:100%;
      display:flex;
      align-items:center;
      padding:0 13px;
      border-bottom:3px solid transparent;
      font-size:15px;
      font-weight:700;
      white-space:nowrap;
      transition:.2s ease;
    }
    .nav-link:hover,
    .nav-item:focus-within>.nav-link,
    .nav-item:hover>.nav-link{
      color:var(--theme);
      border-bottom-color:var(--accent);
    }
    .has-arrow::after{
      content:"";
      width:6px;
      height:6px;
      margin:-4px 0 0 8px;
      border-right:1.5px solid currentColor;
      border-bottom:1.5px solid currentColor;
      transform:rotate(45deg);
      transition:.2s ease;
    }
    .nav-item:hover .has-arrow::after,
    .nav-item:focus-within .has-arrow::after{
      margin-top:3px;
      transform:rotate(225deg);
    }
    .nav-item::after{
      content:"";
      position:absolute;
      top:100%;
      left:-10px;
      width:calc(100% + 20px);
      height:12px;
    }
    .dropdown-panel,
    .mega-menu{
      position:absolute;
      top:100%;
      z-index:90;
      padding:20px;
      visibility:hidden;
      opacity:0;
      pointer-events:none;
      background:#fff;
      border:1px solid var(--line);
      border-radius:0 0 18px 18px;
      box-shadow:0 24px 55px rgba(12,34,73,.16);
      transform:translateY(8px);
      transition:opacity .18s ease,transform .18s ease,visibility .18s;
    }
    .dropdown-panel{
      left:50%;
      width:340px;
      transform:translate(-50%,8px);
    }
    .mega-menu{
      left:50%;
      width:min(920px,calc(100vw - 40px));
      transform:translate(-50%,8px);
    }
    .nav-item:hover>.dropdown-panel,
    .nav-item:focus-within>.dropdown-panel{
      visibility:visible;
      opacity:1;
      pointer-events:auto;
      transform:translate(-50%,0);
    }
    .nav-item:hover>.mega-menu,
    .nav-item:focus-within>.mega-menu{
      visibility:visible;
      opacity:1;
      pointer-events:auto;
      transform:translate(-50%,0);
    }
    .panel-title{
      margin:0 0 10px;
      color:var(--theme);
      font-size:13px;
      font-weight:800;
      letter-spacing:.06em;
    }
    .panel-list{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:7px 18px;
    }
    .dropdown-panel .panel-list{grid-template-columns:1fr}
    .panel-list a{
      min-width:0;
      padding:7px 9px;
      overflow:hidden;
      border-radius:8px;
      color:#485267;
      font-size:14px;
      text-overflow:ellipsis;
      white-space:nowrap;
    }
    .panel-list a:hover{color:var(--theme);background:var(--theme-soft)}
    .mega-grid{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:10px;
    }
    .mega-card{
      min-width:0;
      display:grid;
      grid-template-columns:38px minmax(0,1fr);
      align-items:center;
      gap:2px 10px;
      min-height:82px;
      padding:12px;
      border:1px solid #edf0f5;
      border-radius:12px;
      background:#fbfcff;
      transition:.2s ease;
    }
    .mega-card:hover{
      border-color:#bdccef;
      background:var(--theme-soft);
      transform:translateY(-2px);
    }
    .mega-card img{
      grid-row:1/4;
      width:38px;
      height:38px;
      object-fit:contain;
      border-radius:8px;
    }
    .mega-card strong,
    .mega-card small{
      min-width:0;
      overflow:hidden;
      text-overflow:ellipsis;
      white-space:nowrap;
    }
    .mega-card strong{font-size:14px}
    .mega-card small{color:var(--muted);font-size:11px}
    .mega-footer{
      display:flex;
      justify-content:flex-end;
      margin-top:14px;
      padding-top:12px;
      color:var(--theme);
      border-top:1px solid var(--line);
      font-size:13px;
      font-weight:800;
    }

    .header-btns{display:flex;align-items:center;gap:9px}
    .member-link,
    .open-account{
      display:inline-flex;
      min-height:40px;
      align-items:center;
      justify-content:center;
      padding:0 15px;
      border-radius:10px;
      font-size:14px;
      font-weight:800;
      white-space:nowrap;
    }
    .member-link{color:var(--theme);border:1px solid #b9c8e8;background:#fff}
    .open-account{color:#fff;background:var(--theme);box-shadow:0 7px 16px rgba(11,61,145,.2)}
    .member-link:hover{background:var(--theme-soft)}
    .open-account:hover{background:var(--theme-dark)}
    .hamburger{
      width:43px;
      height:43px;
      display:none;
      align-items:center;
      justify-content:center;
      flex-direction:column;
      gap:5px;
      padding:0;
      border:1px solid var(--line);
      border-radius:10px;
      background:#fff;
      cursor:pointer;
    }
    .hamburger span{
      width:20px;
      height:2px;
      background:var(--ink);
      transition:.2s ease;
    }
    .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;
      z-index:100;
      visibility:hidden;
      opacity:0;
      background:rgba(10,19,35,.58);
      transition:.25s ease;
    }
    .drawer-overlay.open{visibility:visible;opacity:1}
    .mobile-drawer{
      position:fixed;
      top:0;
      right:0;
      z-index:110;
      width:min(390px,90vw);
      height:100vh;
      overflow-y:auto;
      visibility:hidden;
      background:#fff;
      box-shadow:-20px 0 55px rgba(0,0,0,.18);
      transform:translateX(100%);
      transition:.28s ease;
    }
    .mobile-drawer.open{visibility:visible;transform:translateX(0)}
    .drawer-head{
      min-height:72px;
      display:flex;
      align-items:center;
      gap:12px;
      padding:14px 18px;
      color:#fff;
      background:var(--theme);
    }
    .drawer-head>a{
      padding:8px 12px;
      border:1px solid rgba(255,255,255,.4);
      border-radius:8px;
      font-size:14px;
    }
    .drawer-close{
      width:38px;
      height:38px;
      margin-left:auto;
      padding:0;
      color:#fff;
      border:0;
      background:transparent;
      font-size:30px;
      line-height:1;
      cursor:pointer;
    }
    .drawer-menu{padding:12px 18px 32px}
    .drawer-link,
    .drawer-toggle{
      width:100%;
      min-height:48px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      padding:10px 4px;
      border:0;
      border-bottom:1px solid var(--line);
      background:transparent;
      font-weight:800;
      text-align:left;
      cursor:pointer;
    }
    .drawer-toggle::after{
      content:"+";
      color:var(--theme);
      font-size:21px;
      font-weight:400;
    }
    .drawer-toggle.active::after{content:"−"}
    .drawer-submenu{
      display:none;
      padding:8px 0 10px 14px;
      border-bottom:1px solid var(--line);
    }
    .drawer-submenu.open{display:grid}
    .drawer-submenu a{
      padding:8px 10px;
      color:var(--muted);
      border-radius:7px;
      font-size:14px;
    }
    .drawer-submenu a:hover{color:var(--theme);background:var(--theme-soft)}

    .tools-page{min-width:0}
    .tools-page .tools-intro{
      position:relative;
      overflow:hidden;
      padding:72px 0 92px;
      color:#fff;
      background:
        radial-gradient(circle at 14% 22%,rgba(244,123,95,.34),transparent 26%),
        radial-gradient(circle at 88% 80%,rgba(255,255,255,.13),transparent 27%),
        linear-gradient(135deg,#082d70,#0B3D91 58%,#164fa4);
    }
    .tools-page .tools-intro::before,
    .tools-page .tools-intro::after{
      content:"";
      position:absolute;
      border:1px solid rgba(255,255,255,.14);
      border-radius:50%;
    }
    .tools-page .tools-intro::before{
      width:330px;
      height:330px;
      top:-170px;
      right:8%;
    }
    .tools-page .tools-intro::after{
      width:190px;
      height:190px;
      left:6%;
      bottom:-110px;
    }
    .tools-page .intro-inner{
      position:relative;
      z-index:1;
      max-width:850px;
      margin:auto;
      text-align:center;
    }
    .tools-page .eyebrow{
      display:inline-flex;
      align-items:center;
      gap:8px;
      margin-bottom:16px;
      padding:7px 13px;
      color:#fff5e8;
      border:1px solid rgba(255,255,255,.28);
      border-radius:999px;
      background:rgba(255,255,255,.1);
      font-size:13px;
      font-weight:800;
    }
    .tools-page .eyebrow::before{
      content:"";
      width:8px;
      height:8px;
      border-radius:50%;
      background:var(--accent);
      box-shadow:0 0 0 5px rgba(244,123,95,.18);
    }
    .tools-page h1{
      margin:0;
      font-size:clamp(36px,5vw,62px);
      line-height:1.15;
      letter-spacing:-.04em;
    }
    .tools-page .lead{
      max-width:720px;
      margin:20px auto 0;
      color:#dce8ff;
      font-size:17px;
    }
    .tools-page .intro-actions{
      display:flex;
      flex-wrap:wrap;
      justify-content:center;
      gap:12px;
      margin-top:28px;
    }
    .tools-page .intro-actions a{
      min-height:46px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      padding:0 20px;
      border-radius:11px;
      font-weight:800;
    }
    .tools-page .primary-action{color:#2e2927;background:#fff4df}
    .tools-page .secondary-action{color:#fff;border:1px solid rgba(255,255,255,.42);background:rgba(255,255,255,.08)}

    .tools-page .utility-strip{
      position:relative;
      z-index:2;
      margin-top:-36px;
    }
    .tools-page .utility-panel{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      overflow:hidden;
      background:#fff;
      border:1px solid var(--line);
      border-radius:18px;
      box-shadow:var(--shadow);
    }
    .tools-page .utility-item{
      padding:22px 24px;
      border-right:1px solid var(--line);
    }
    .tools-page .utility-item:last-child{border-right:0}
    .tools-page .utility-item strong{display:block;color:var(--theme);font-size:15px}
    .tools-page .utility-item span{display:block;margin-top:4px;color:var(--muted);font-size:13px}

    .tools-page .tools-section{padding:68px 0}
    .tools-page .section-head{
      display:flex;
      align-items:flex-end;
      justify-content:space-between;
      gap:28px;
      margin-bottom:28px;
    }
    .tools-page .section-head h2{
      margin:0;
      color:#1f2a3d;
      font-size:clamp(27px,3.5vw,38px);
      line-height:1.2;
    }
    .tools-page .section-head p{
      max-width:620px;
      margin:8px 0 0;
      color:var(--muted);
    }
    .tools-page .section-note{
      flex:none;
      padding:8px 13px;
      color:var(--theme);
      border:1px solid #c9d7f3;
      border-radius:999px;
      background:var(--theme-soft);
      font-size:13px;
      font-weight:800;
    }
    .tools-page .tools-grid{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:20px;
    }
    .tools-page .tool-card{
      min-width:0;
      display:flex;
      flex-direction:column;
      padding:24px;
      border:1px solid var(--line);
      border-radius:var(--radius);
      background:#fff;
      box-shadow:0 10px 28px rgba(25,43,75,.06);
      transition:transform .2s ease,border-color .2s ease,box-shadow .2s ease;
    }
    .tools-page .tool-card:hover{
      border-color:#b6c7ea;
      box-shadow:0 18px 38px rgba(17,52,106,.12);
      transform:translateY(-5px);
    }
    .tools-page .tool-icon{
      width:58px;
      height:58px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin-bottom:18px;
      border-radius:16px;
      background:linear-gradient(145deg,var(--theme-soft),#fff4e9);
    }
    .tools-page .tool-icon img{
      width:34px;
      height:34px;
      object-fit:contain;
    }
    .tools-page .tool-type{
      display:inline-flex;
      align-self:flex-start;
      margin-bottom:8px;
      color:var(--success);
      font-size:12px;
      font-weight:800;
    }
    .tools-page .tool-card h3{
      margin:0;
      color:#202a3a;
      font-size:20px;
      line-height:1.35;
    }
    .tools-page .tool-card p{
      display:-webkit-box;
      min-height:52px;
      margin:11px 0 22px;
      overflow:hidden;
      color:var(--muted);
      font-size:14px;
      -webkit-box-orient:vertical;
      -webkit-line-clamp:2;
    }
    .tools-page .tool-link{
      display:flex;
      align-items:center;
      justify-content:space-between;
      margin-top:auto;
      padding-top:16px;
      color:var(--theme);
      border-top:1px solid #edf0f4;
      font-size:14px;
      font-weight:800;
    }
    .tools-page .tool-link span:last-child{
      width:30px;
      height:30px;
      display:grid;
      place-items:center;
      border-radius:50%;
      background:var(--theme-soft);
      transition:.2s ease;
    }
    .tools-page .tool-card:hover .tool-link span:last-child{
      color:#fff;
      background:var(--theme);
      transform:translateX(3px);
    }

    .tools-page .process-section{
      padding:68px 0;
      background:#fff;
      border-top:1px solid var(--line);
      border-bottom:1px solid var(--line);
    }
    .tools-page .process-head{text-align:center}
    .tools-page .process-head h2{margin:0;font-size:34px;line-height:1.25}
    .tools-page .process-head p{max-width:650px;margin:10px auto 0;color:var(--muted)}
    .tools-page .process-grid{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:18px;
      margin-top:36px;
      counter-reset:steps;
    }
    .tools-page .process-card{
      position:relative;
      min-height:190px;
      padding:24px;
      overflow:hidden;
      border:1px solid var(--line);
      border-radius:16px;
      background:#fbfcff;
      counter-increment:steps;
    }
    .tools-page .process-card::after{
      content:"0" counter(steps);
      position:absolute;
      right:13px;
      bottom:-15px;
      color:rgba(11,61,145,.07);
      font-size:74px;
      font-weight:900;
      line-height:1;
    }
    .tools-page .step-number{
      width:38px;
      height:38px;
      display:grid;
      place-items:center;
      color:#fff;
      border-radius:11px;
      background:var(--accent);
      font-weight:900;
    }
    .tools-page .process-card h3{position:relative;z-index:1;margin:17px 0 7px;font-size:18px}
    .tools-page .process-card p{position:relative;z-index:1;margin:0;color:var(--muted);font-size:14px}

    .tools-page .risk-section{padding:68px 0}
    .tools-page .risk-panel{
      position:relative;
      display:grid;
      grid-template-columns:1.2fr .8fr;
      gap:45px;
      padding:42px;
      overflow:hidden;
      color:#fff;
      border-radius:24px;
      background:#252a33;
      box-shadow:var(--shadow);
    }
    .tools-page .risk-panel::after{
      content:"";
      position:absolute;
      width:280px;
      height:280px;
      right:-110px;
      bottom:-150px;
      border:55px solid rgba(244,123,95,.18);
      border-radius:50%;
    }
    .tools-page .risk-panel h2{margin:0;font-size:32px;line-height:1.3}
    .tools-page .risk-panel p{margin:13px 0 0;color:#cbd0da}
    .tools-page .risk-list{
      position:relative;
      z-index:1;
      display:grid;
      gap:12px;
      margin:0;
      padding:0;
      list-style:none;
    }
    .tools-page .risk-list li{
      display:flex;
      gap:11px;
      padding:12px 14px;
      border:1px solid rgba(255,255,255,.12);
      border-radius:11px;
      background:rgba(255,255,255,.06);
      font-size:14px;
    }
    .tools-page .risk-list li::before{content:"✓";color:#ff9a7f;font-weight:900}

    .footer{
      color:#cbd6eb;
      background:#071d42;
    }
    .footer .container{padding-top:54px}
    .footer-grid{
      display:grid;
      grid-template-columns:1.45fr 1fr 1fr 1fr;
      gap:42px;
      padding-bottom:42px;
    }
    .footer h3{
      margin:0 0 15px;
      color:#fff;
      font-size:16px;
    }
    .footer strong{color:#fff;font-size:20px}
    .footer p{margin:11px 0;color:#aebbd2;font-size:14px}
    .footer-grid>div:not(.footer-brand)>a{
      display:block;
      margin:9px 0;
      color:#cbd6eb;
      font-size:14px;
    }
    .footer a:hover{color:#fff}
    .footer-bottom{
      min-height:66px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:20px;
      color:#91a2c0;
      border-top:1px solid rgba(255,255,255,.12);
      font-size:13px;
    }

    @media (max-width:1120px){
      .main-nav{display:none}
      .hamburger{display:flex}
      .header-inner{min-height:70px}
      .header-btns{margin-left:auto}
      .tools-page .tools-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
    }
    @media (max-width:820px){
      .topbar .container{padding:8px 0;align-items:flex-start}
      .topbar-links{align-items:flex-end;flex-direction:column;gap:1px}
      .tools-page .tools-intro{padding:58px 0 76px}
      .tools-page .utility-panel{grid-template-columns:repeat(2,minmax(0,1fr))}
      .tools-page .utility-item:nth-child(2){border-right:0}
      .tools-page .utility-item:nth-child(-n+2){border-bottom:1px solid var(--line)}
      .tools-page .process-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
      .tools-page .risk-panel{grid-template-columns:1fr;padding:32px}
      .footer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
    }
    @media (max-width:600px){
      .container{width:min(100% - 28px,1180px)}
      .logo{min-width:0}
      .logo span{max-width:130px;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
      .member-link{display:none}
      .open-account{padding:0 12px}
      .topbar .container{display:block}
      .topbar-links{display:block;margin-top:2px}
      .topbar-links span{display:block}
      .tools-page .tools-intro{padding:48px 0 68px}
      .tools-page .lead{font-size:15px}
      .tools-page .intro-actions{align-items:stretch;flex-direction:column}
      .tools-page .utility-strip{margin-top:-25px}
      .tools-page .utility-panel{grid-template-columns:1fr}
      .tools-page .utility-item,
      .tools-page .utility-item:nth-child(2){
        border-right:0;
        border-bottom:1px solid var(--line);
      }
      .tools-page .utility-item:last-child{border-bottom:0}
      .tools-page .tools-section,
      .tools-page .process-section,
      .tools-page .risk-section{padding:50px 0}
      .tools-page .section-head{align-items:flex-start;flex-direction:column}
      .tools-page .tools-grid,
      .tools-page .process-grid{grid-template-columns:1fr}
      .tools-page .risk-panel{padding:26px 22px}
      .tools-page .risk-panel h2{font-size:27px}
      .footer-grid{grid-template-columns:1fr;gap:28px}
      .footer-bottom{align-items:flex-start;flex-direction:column;justify-content:center;padding:17px 0}
    }