:root {
  --ink: #16262d;
  --muted: #52676b;
  --line: #cbd8d6;
  --paper: #fbfdfc;
  --mist: #e8efee;
  --navy: #102a35;
  --teal: #14715f;
  --teal-soft: #dceee8;
  --amber: #b5792f;
  --amber-soft: #fff1d8;
  --danger: #9b4c40;
  --shadow: 0 12px 28px rgba(16, 42, 53, .1);
  --radius: 8px;
  --max: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: #e8efee;
  font-family: "Segoe UI", "PingFang SC", "Microsoft YaHei", sans-serif;
  font-size: 16px;
  line-height: 1.75;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--teal); text-decoration: none; }
a:hover { text-decoration: underline; }
button, input, textarea { font: inherit; }
button, a { touch-action: manipulation; }
:focus-visible { outline: 3px solid #f2a43b; outline-offset: 3px; }
.skip-link {
  position: absolute; left: 1rem; top: -4rem; z-index: 100;
  padding: .6rem .9rem; background: var(--navy); color: #fff; border-radius: 4px;
}
.skip-link:focus { top: 1rem; }

.site-header {
  position: sticky; top: 0; z-index: 20;
  background: rgba(13,33,42,.97); border-bottom: 1px solid #28444d;
  backdrop-filter: blur(10px);
}
.header-inner, .container { width: min(var(--max), calc(100% - 2rem)); margin-inline: auto; }
.header-inner { display: flex; align-items: center; justify-content: space-between; min-height: 72px; gap: 1rem; }
.brand { display: inline-flex; align-items: center; gap: .7rem; color: #f2faf8; font-weight: 700; line-height: 1.2; }
.brand-mark { width: 38px; height: 38px; flex: 0 0 38px; }
.brand small { display: block; color: #a8c6c1; font-size: .72rem; font-weight: 500; margin-top: .2rem; }
.menu-toggle {
  display: none; border: 1px solid #54736f; background: #163843; color: #f2faf8;
  width: 44px; height: 44px; border-radius: 6px; cursor: pointer;
}
.menu-toggle svg { width: 22px; height: 22px; }
.site-nav ul { list-style: none; display: flex; flex-wrap: wrap; gap: .2rem; margin: 0; padding: 0; }
.site-nav a { display: block; color: #d7e9e6; padding: .55rem .7rem; border-radius: 5px; font-size: .94rem; }
.site-nav a:hover, .site-nav a[aria-current="page"] { color: #fff; background: #23534c; text-decoration: none; }

main { min-height: 60vh; }
.hero { padding: 4.5rem 0 3.6rem; background: #102a35; border-bottom: 1px solid #284b53; }
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; align-items: center; gap: 3rem; }
.eyebrow { margin: 0 0 .8rem; color: var(--amber); font-weight: 700; letter-spacing: .04em; font-size: .85rem; }
h1, h2, h3 { color: var(--navy); line-height: 1.25; margin: 0 0 1rem; }
h1 { font-size: clamp(2rem, 4vw, 3.8rem); letter-spacing: 0; }
h2 { font-size: clamp(1.55rem, 2.5vw, 2.25rem); }
h3 { font-size: 1.2rem; }
.hero h1 { color: #f5fbfa; }
.hero .lead { max-width: 65ch; color: #c9dcda; font-size: 1.12rem; }
.actions { display: flex; flex-wrap: wrap; gap: .75rem; margin-top: 1.5rem; }
.button {
  display: inline-flex; align-items: center; justify-content: center; gap: .45rem;
  min-height: 44px; padding: .65rem 1rem; border-radius: 5px; border: 1px solid transparent;
  background: var(--teal); color: #fff; font-weight: 700; cursor: pointer;
}
.button:hover { background: #0e6566; text-decoration: none; }
.button.secondary { background: transparent; color: var(--navy); border-color: var(--navy); }
.hero .button.secondary { color: #eef9f6; border-color: #a8c6c1; }
.button.secondary:hover { background: #e8eef2; }
.hero .button.secondary:hover { background: #23434d; }
.button svg { width: 18px; height: 18px; }
.hero-visual { min-height: 300px; display: grid; place-items: center; }
.hero-visual img { width: min(100%, 460px); }

.section { padding: 3.5rem 0; }
.market-strip { background: #e3eeeb; border-bottom: 1px solid var(--line); }
.section.alt { background: #f8fbfa; border-block: 1px solid var(--line); }
.section-head { display: flex; align-items: end; justify-content: space-between; gap: 1rem; margin-bottom: 1.5rem; }
.section-head p { margin: 0; color: var(--muted); max-width: 62ch; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem; }
.card {
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.2rem; box-shadow: var(--shadow);
}
.card h2, .card h3 { letter-spacing: .01em; }
.card.flat { box-shadow: none; }
.card p { color: var(--muted); margin: .35rem 0 0; }
.card .icon { width: 44px; height: 44px; margin-bottom: .8rem; }
.tag {
  display: inline-flex; align-items: center; padding: .18rem .55rem; border-radius: 999px;
  background: var(--teal-soft); color: #0e6162; font-size: .78rem; font-weight: 700;
}
.tag.amber { background: var(--amber-soft); color: #8a510d; }
.keyword-nav {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1rem;
  margin-top: 1.5rem;
}
.keyword-nav h2 { font-size: 1.1rem; margin-bottom: .7rem; }
.keyword-list { display: flex; flex-wrap: wrap; gap: .55rem; margin: 0; padding: 0; list-style: none; }
.keyword-list a {
  display: inline-flex; align-items: center; min-height: 38px;
  padding: .4rem .7rem; border: 1px solid #b8d6d5; border-radius: 999px;
  background: #f5fbfb; color: #155f60; font-size: .9rem;
}
.keyword-list a:hover { background: var(--teal-soft); text-decoration: none; }
.keyword-note { margin: .7rem 0 0; color: var(--muted); font-size: .88rem; }
.article-cover {
  width: 100%; max-width: 760px; margin: 1.2rem auto 0;
  border: 1px solid var(--line); border-radius: var(--radius); background: var(--mist);
}
.article-cover img { width: 100%; max-height: 260px; object-fit: cover; border-radius: inherit; }
.notice {
  border-left: 4px solid var(--amber); background: var(--amber-soft); padding: 1rem 1.1rem;
  color: #6a491c; border-radius: 0 6px 6px 0;
}
.notice strong { color: #57370b; }
.split { display: grid; grid-template-columns: 1.25fr .75fr; gap: 2rem; align-items: start; }
.prose { max-width: 76ch; }
.prose p { margin: 0 0 1rem; }
.prose ul, .prose ol { padding-left: 1.4rem; }
.prose li { margin: .35rem 0; }
.prose blockquote { margin: 1.5rem 0; padding: 1rem 1.2rem; border-left: 4px solid var(--teal); background: var(--teal-soft); }
.meta { display: flex; flex-wrap: wrap; gap: .6rem 1rem; color: var(--muted); font-size: .9rem; margin: .7rem 0 1.5rem; }
.breadcrumbs { padding-top: 1.2rem; color: var(--muted); font-size: .9rem; }
.breadcrumbs ol { display: flex; flex-wrap: wrap; gap: .4rem; list-style: none; padding: 0; margin: 0; }
.breadcrumbs li:not(:last-child)::after { content: "/"; margin-left: .4rem; color: #9aa8b4; }
.page-intro { padding: 2.6rem 0 1.8rem; background: var(--paper); border-bottom: 1px solid var(--line); }
.page-intro p { max-width: 72ch; color: var(--muted); margin: 0; }
.toc { position: sticky; top: 92px; border: 1px solid var(--line); background: var(--paper); border-radius: var(--radius); padding: 1rem; }
.toc h2 { font-size: 1rem; margin-bottom: .6rem; }
.toc ol { margin: 0; padding-left: 1.2rem; }
.toc li { margin: .25rem 0; font-size: .92rem; }
.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 260px; gap: 2rem; align-items: start; }

.article-list { display: grid; gap: 1rem; }
.article-card { display: grid; grid-template-columns: 150px 1fr; gap: 1rem; align-items: start; }
.article-card img { width: 150px; height: 104px; object-fit: cover; border-radius: 5px; border: 1px solid var(--line); background: var(--mist); }
.article-card h3 { margin-bottom: .35rem; }
.article-card p { margin: 0 0 .55rem; color: var(--muted); }

.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: var(--paper); }
table { width: 100%; border-collapse: collapse; min-width: 620px; }
th, td { padding: .75rem .8rem; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: #edf3f6; color: var(--navy); font-size: .92rem; }
tr:last-child td { border-bottom: 0; }
.chart { border: 1px solid var(--line); border-radius: var(--radius); background: var(--paper); padding: 1rem; }
.chart img { width: 100%; height: 220px; object-fit: contain; }
.chart figcaption { color: var(--muted); font-size: .85rem; margin-top: .6rem; }

.faq-list { display: grid; gap: .7rem; }
.faq-item { border: 1px solid var(--line); border-radius: 6px; background: var(--paper); }
.faq-question {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 1rem;
  text-align: left; border: 0; background: transparent; color: var(--navy); padding: 1rem;
  cursor: pointer; font-weight: 700;
}
.faq-question svg { width: 20px; transition: transform .2s ease; flex: 0 0 auto; }
.faq-item[data-open="true"] .faq-question svg { transform: rotate(180deg); }
.faq-answer { padding: 0 1rem 1rem; color: var(--muted); }
.faq-answer[hidden] { display: none; }

.form-shell { max-width: 720px; background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.3rem; }
label { display: block; color: var(--navy); font-weight: 700; margin: .85rem 0 .35rem; }
input, textarea { width: 100%; border: 1px solid #b9c6d0; border-radius: 5px; padding: .7rem .75rem; background: #fff; color: var(--ink); }
textarea { min-height: 150px; resize: vertical; }
.form-note { min-height: 1.7rem; margin: .8rem 0 0; color: var(--teal); font-weight: 700; }

.site-footer { background: #0c2029; color: #d7e4ec; padding: 2.5rem 0 1.4rem; }
.site-footer a { color: #bde5e3; }
.footer-grid { display: grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 2rem; }
.site-footer h2 { color: #fff; font-size: 1rem; margin-bottom: .7rem; }
.site-footer p, .site-footer li { color: #c1d0da; font-size: .92rem; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin: .3rem 0; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.2); margin-top: 1.6rem; padding-top: 1rem; display: flex; justify-content: space-between; gap: 1rem; flex-wrap: wrap; font-size: .85rem; }
.risk-bar { background: #173b42; color: #e5f0ed; padding: .85rem 0; font-size: .9rem; border-top: 1px solid #2b5e5b; }
.risk-bar p { margin: 0; }
.top-button {
  position: fixed; right: 1rem; bottom: 1rem; width: 44px; height: 44px; border-radius: 6px;
  border: 1px solid var(--navy); background: var(--navy); color: #fff; cursor: pointer; display: none;
}
.top-button[data-visible="true"] { display: grid; place-items: center; }
.top-button svg { width: 20px; height: 20px; }

@media (max-width: 900px) {
  .menu-toggle { display: inline-grid; place-items: center; }
  .site-nav { display: none; position: absolute; inset: 72px 0 auto; background: #0d212a; border-bottom: 1px solid #28444d; box-shadow: var(--shadow); }
  .site-nav[data-open="true"] { display: block; }
  .site-nav ul { display: grid; padding: .7rem 1rem 1rem; }
  .site-nav a { padding: .75rem .6rem; }
  .hero-grid, .split, .article-layout { grid-template-columns: 1fr; }
  .toc { position: static; order: -1; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  body { font-size: 16px; }
  .header-inner, .container { width: min(var(--max), calc(100% - 1.25rem)); }
  .hero { padding: 3rem 0 2.5rem; }
  .hero-visual { min-height: 210px; }
  .section { padding: 2.5rem 0; }
  .article-card { grid-template-columns: 1fr; }
  .article-card img { width: 100%; height: 170px; }
  .footer-grid { grid-template-columns: 1fr; }
  .section-head { display: block; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition-duration: .01ms !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; }
}