/* Set 1 — root: official editorial, navy + paper */
:root {
  --ink: #142033;
  --muted: #5b667a;
  --paper: #f4f7fb;
  --card: #ffffff;
  --line: #d7e0ee;
  --brand: #1a5fb4;
  --brand-deep: #123e7a;
  --accent: #c62828;
  --ok: #1b7f4a;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: auto; }
body {
  font-family: "Segoe UI", "PingFang SC", "Microsoft YaHei", sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.75;
  font-size: 16px;
}
img, svg { display: block; }
a { color: var(--brand); text-decoration: none; }
a:hover { text-decoration: underline; }
.wrap { width: min(1120px, calc(100% - 32px)); margin: 0 auto; }
.site-header {
  background: #0e1a2b;
  color: #fff;
  border-bottom: 4px solid var(--brand);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 72px;
  gap: 24px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  color: #fff;
  font-weight: 700;
  font-size: 18px;
  letter-spacing: 0.02em;
}
.brand:hover { text-decoration: none; color: #fff; }
.nav { display: flex; gap: 8px; }
.nav a {
  color: #d5deea;
  padding: 8px 14px;
  border-radius: 4px;
  font-size: 14px;
}
.nav a:hover { background: rgba(255,255,255,0.08); text-decoration: none; color: #fff; }
.nav a.is-current { background: var(--brand); color: #fff; }
.hero {
  background:
    linear-gradient(180deg, #16325a 0%, #1a5fb4 58%, #1a5fb4 100%);
  color: #fff;
  padding: 72px 0 64px;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.3fr 0.7fr;
  gap: 48px;
  align-items: center;
}
.hero h1 { font-size: 36px; line-height: 1.35; margin-bottom: 18px; font-weight: 700; }
.hero .lead { font-size: 18px; opacity: 0.95; margin-bottom: 16px; }
.hero p { margin-bottom: 14px; }
.cta-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 22px; }
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 20px;
  border-radius: 6px;
  font-weight: 600;
  border: 1px solid transparent;
}
.btn:hover { text-decoration: none; }
.btn-primary { background: #fff; color: var(--brand-deep); }
.btn-primary:hover { background: #eef4ff; }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,0.45); }
.btn-ghost:hover { background: rgba(255,255,255,0.1); }
.panel {
  background: var(--card);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 10px;
  padding: 22px;
}
.panel h2, .panel .panel-title { font-size: 16px; margin-bottom: 12px; }
.panel ul { padding-left: 18px; }
.panel li { margin: 8px 0; }
section { padding: 56px 0; }
section + section { border-top: 1px solid var(--line); }
h2 { font-size: 26px; line-height: 1.4; margin-bottom: 16px; }
h3 { font-size: 18px; margin: 18px 0 10px; }
p { margin-bottom: 14px; }
.muted { color: var(--muted); }
.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-top: 22px;
}
.card, .quote, .faq-item, .step, .compare-col {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 22px;
}
.card h3 { margin-top: 12px; }
.icon-box { width: 36px; height: 36px; color: var(--brand); }
.stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
  margin: 22px 0;
}
.stat {
  background: #eaf1fb;
  border-radius: 8px;
  padding: 18px;
  text-align: center;
}
.stat b { display: block; font-size: 28px; color: var(--brand-deep); }
.quotes { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.compare { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.faq-item + .faq-item { margin-top: 12px; }
.faq-item h3 { margin-top: 0; color: var(--brand-deep); }
.dl-table { width: 100%; border-collapse: collapse; background: #fff; }
.dl-table th, .dl-table td { border: 1px solid var(--line); padding: 12px 14px; text-align: left; }
.dl-table th { background: #e8eef8; }
.steps { display: grid; gap: 14px; }
.step { display: grid; grid-template-columns: 48px 1fr; gap: 14px; }
.num {
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--brand); color: #fff;
  display: grid; place-items: center; font-weight: 700;
}
.site-footer {
  background: #0e1a2b;
  color: #c9d4e4;
  padding: 36px 0 28px;
  font-size: 14px;
}
.site-footer a { color: #9ec3f5; }
.foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 24px; }
.legal { margin-top: 22px; padding-top: 16px; border-top: 1px solid #2a3b55; }
@media (max-width: 900px) {
  .hero-grid, .card-grid, .quotes, .compare, .stats, .foot-grid { grid-template-columns: 1fr; }
  .header-inner { flex-direction: column; padding: 14px 0; }
  .hero h1 { font-size: 28px; }
  section { padding: 40px 0; }
}