:root{
      --theme:#0B3D91;
      --theme-dark:#072b68;
      --theme-soft:#eef4ff;
      --amber:#c58b2a;
      --sand:#f6efe3;
      --coffee:#342519;
      --ink:#172033;
      --muted:#687083;
      --line:#e5e8ef;
      --white:#fff;
      --shadow:0 18px 50px rgba(19,35,65,.1);
      --radius:18px;
    }
    *{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{
      margin:0;
      color:var(--ink);
      background:#f7f8fb;
      font-family:"Microsoft YaHei","PingFang SC",Arial,sans-serif;
      line-height:1.7;
      overflow-x:hidden;
    }
    body,a,button{font-family:inherit}
    a{color:inherit;text-decoration:none}
    img{display:block;max-width:100%}
    button{color:inherit}
    .container{width:min(1180px,calc(100% - 40px));margin:0 auto}

    .topbar{
      background:var(--coffee);
      color:#f7ead2;
      font-size:13px;
    }
    .topbar .container{
      min-height:36px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:20px;
    }
    .topbar a{color:#fff}
    .topbar a:hover{text-decoration:underline}

    .header{
      position:relative;
      z-index:50;
      background:rgba(255,255,255,.98);
      border-bottom:1px solid var(--line);
      box-shadow:0 6px 20px rgba(20,30,50,.04);
    }
    .header-inner{
      min-height:78px;
      display:flex;
      align-items:center;
      gap:24px;
    }
    .logo{
      flex:0 0 auto;
      display:flex;
      align-items:center;
      gap:10px;
      color:var(--coffee);
      font-size:19px;
      font-weight:800;
      white-space:nowrap;
    }
    .logo img{
      width:42px;
      height:42px;
      object-fit:contain;
      border-radius:10px;
    }
    .main-nav{flex:1;min-width:0}
    .nav-list{
      display:flex;
      align-items:stretch;
      justify-content:center;
      gap:2px;
      margin:0;
      padding:0;
      list-style:none;
    }
    .nav-item{position:relative}
    .nav-link{
      min-height:78px;
      padding:0 12px;
      display:flex;
      align-items:center;
      justify-content:center;
      color:#293247;
      font-size:14px;
      font-weight:700;
      white-space:nowrap;
      transition:.2s ease;
    }
    .nav-link:hover,
    .nav-item:focus-within>.nav-link{
      color:var(--theme);
      background:var(--theme-soft);
    }
    .has-arrow::after{
      width:6px;
      height:6px;
      margin-left:7px;
      border-right:1.5px solid currentColor;
      border-bottom:1.5px solid currentColor;
      content:"";
      transform:rotate(45deg) translateY(-2px);
      transition:transform .2s ease;
    }
    .nav-item:hover .has-arrow::after,
    .nav-item:focus-within .has-arrow::after{
      transform:rotate(225deg) translate(-2px,-2px);
    }
    .dropdown-panel,
    .mega-menu{
      position:absolute;
      top:100%;
      left:50%;
      visibility:hidden;
      opacity:0;
      transform:translate(-50%,10px);
      background:#fff;
      border:1px solid var(--line);
      border-radius:0 0 16px 16px;
      box-shadow:0 24px 55px rgba(19,31,55,.16);
      transition:opacity .2s ease,transform .2s ease,visibility .2s ease;
      pointer-events:none;
    }
    .dropdown-panel{
      width:340px;
      padding:20px;
    }
    .mega-menu{
      width:min(920px,calc(100vw - 48px));
      padding:22px;
    }
    .nav-item:hover>.dropdown-panel,
    .nav-item:focus-within>.dropdown-panel,
    .nav-item:hover>.mega-menu,
    .nav-item:focus-within>.mega-menu{
      visibility:visible;
      opacity:1;
      transform:translate(-50%,0);
      pointer-events:auto;
    }
    .drop-title,
    .mega-title{
      display:block;
      margin-bottom:14px;
      color:var(--coffee);
      font-size:16px;
    }
    .drop-list{
      display:flex;
      flex-wrap:wrap;
      gap:8px;
    }
    .drop-list a{
      flex:1 1 140px;
      padding:9px 11px;
      color:#485168;
      background:#f6f7fa;
      border-radius:9px;
      font-size:13px;
      transition:.2s ease;
    }
    .drop-list a:hover{color:var(--theme);background:var(--theme-soft)}
    .mega-grid{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:12px;
    }
    .mega-card{
      min-width:0;
      min-height:108px;
      padding:13px;
      display:grid;
      grid-template-columns:50px minmax(0,1fr);
      align-content:start;
      gap:4px 11px;
      background:#f8f9fb;
      border:1px solid transparent;
      border-radius:12px;
      transition:.2s ease;
    }
    .mega-card:hover{
      background:#fff;
      border-color:#cfdcf3;
      box-shadow:0 10px 25px rgba(11,61,145,.1);
      transform:translateY(-2px);
    }
    .mega-card img{
      grid-row:1/4;
      width:50px;
      height:50px;
      object-fit:cover;
      border-radius:9px;
      background:#fff;
    }
    .mega-card strong{
      min-width:0;
      color:#252e40;
      font-size:14px;
      overflow:hidden;
      text-overflow:ellipsis;
      white-space:nowrap;
    }
    .mega-card small{
      min-width:0;
      color:#747c8d;
      font-size:12px;
      line-height:1.45;
      display:-webkit-box;
      overflow:hidden;
      -webkit-box-orient:vertical;
      -webkit-line-clamp:2;
    }
    .mega-menu>.drop-list{margin-top:14px}
    .mega-footer{
      display:block;
      margin-top:15px;
      padding:10px 14px;
      color:#fff;
      background:var(--theme);
      border-radius:9px;
      text-align:center;
      font-size:13px;
      font-weight:700;
    }
    .mega-footer:hover{background:var(--theme-dark)}
    .header-btns{
      flex:0 0 auto;
      display:flex;
      align-items:center;
      gap:9px;
    }
    .member-link{
      color:var(--theme);
      font-size:14px;
      font-weight:700;
      white-space:nowrap;
    }
    .member-link a{color:var(--theme)}
    .open-account{
      padding:10px 16px;
      color:#fff;
      background:var(--amber);
      border-radius:10px;
      font-size:14px;
      font-weight:800;
      white-space:nowrap;
      box-shadow:0 8px 20px rgba(197,139,42,.2);
    }
    .open-account:hover{background:#a9701b}
    .hamburger{
      width:42px;
      height:42px;
      padding:10px;
      display:none;
      border:0;
      background:var(--theme);
      border-radius:10px;
      cursor:pointer;
    }
    .hamburger span{
      display:block;
      height:2px;
      margin:4px 0;
      background:#fff;
      border-radius:2px;
      transition:.2s ease;
    }
    .hamburger.active span:nth-child(1){transform:translateY(6px) rotate(45deg)}
    .hamburger.active span:nth-child(2){opacity:0}
    .hamburger.active span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}

    .drawer-overlay{
      position:fixed;
      z-index:89;
      inset:0;
      visibility:hidden;
      opacity:0;
      background:rgba(13,21,36,.58);
      transition:.25s ease;
    }
    .drawer-overlay.open{visibility:visible;opacity:1}
    .mobile-drawer{
      position:fixed;
      z-index:90;
      top:0;
      right:0;
      bottom:0;
      width:min(390px,88vw);
      overflow-y:auto;
      background:#fff;
      box-shadow:-20px 0 50px rgba(12,24,45,.2);
      transform:translateX(105%);
      transition:transform .28s ease;
    }
    .mobile-drawer.open{transform:translateX(0)}
    .drawer-head{
      min-height:70px;
      padding:14px 18px;
      display:flex;
      align-items:center;
      gap:12px;
      color:#fff;
      background:var(--coffee);
    }
    .drawer-head>span{flex:1}
    .drawer-head a{
      padding:7px 12px;
      background:var(--amber);
      border-radius:8px;
      font-weight:700;
    }
    .drawer-close{
      width:36px;
      height:36px;
      padding:0;
      color:#fff;
      background:transparent;
      border:1px solid rgba(255,255,255,.35);
      border-radius:8px;
      font-size:26px;
      cursor:pointer;
    }
    .drawer-menu{padding:14px 18px 28px}
    .drawer-link,
    .drawer-toggle{
      width:100%;
      padding:14px 4px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      color:#252e40;
      background:transparent;
      border:0;
      border-bottom:1px solid var(--line);
      font-size:15px;
      font-weight:700;
      text-align:left;
      cursor:pointer;
    }
    .drawer-toggle::after{
      width:7px;
      height:7px;
      border-right:2px solid var(--theme);
      border-bottom:2px solid var(--theme);
      content:"";
      transform:rotate(45deg);
      transition:.2s ease;
    }
    .drawer-toggle.active::after{transform:rotate(225deg)}
    .drawer-submenu{
      max-height:0;
      overflow:hidden;
      background:#f7f8fb;
      border-radius:0 0 10px 10px;
      transition:max-height .35s ease;
    }
    .drawer-submenu.open{max-height:900px}
    .drawer-submenu a{
      padding:10px 14px;
      display:block;
      color:#5f687b;
      border-bottom:1px solid #e9ebf0;
      font-size:13px;
    }
    .drawer-submenu a:hover{color:var(--theme);background:var(--theme-soft)}

    .article-page{
      min-width:0;
      padding-bottom:72px;
    }
    .article-page .article-banner{
      position:relative;
      overflow:hidden;
      padding:62px 0 106px;
      color:#fff;
      background:
        radial-gradient(circle at 15% 20%,rgba(197,139,42,.28),transparent 28%),
        radial-gradient(circle at 85% 80%,rgba(255,255,255,.09),transparent 24%),
        linear-gradient(135deg,var(--coffee),#3f2b1c 48%,var(--theme-dark));
    }
    .article-page .article-banner::before,
    .article-page .article-banner::after{
      position:absolute;
      border:1px solid rgba(255,255,255,.1);
      border-radius:50%;
      content:"";
    }
    .article-page .article-banner::before{
      width:320px;
      height:320px;
      top:-190px;
      right:5%;
    }
    .article-page .article-banner::after{
      width:180px;
      height:180px;
      bottom:-120px;
      left:8%;
    }
    .article-page .article-head{
      position:relative;
      z-index:1;
      max-width:900px;
      margin:0 auto;
      text-align:center;
    }
    .article-page .article-kicker{
      margin:0 0 18px;
      display:flex;
      align-items:center;
      justify-content:center;
      gap:9px;
      color:#f4d8a4;
      font-size:14px;
      font-weight:800;
      letter-spacing:.08em;
    }
    .article-page .article-kicker::before,
    .article-page .article-kicker::after{
      width:35px;
      height:1px;
      background:currentColor;
      content:"";
    }
    .article-page .article-title{
      margin:0;
      color:#fff;
      font-size:clamp(30px,4.7vw,56px);
      line-height:1.22;
      letter-spacing:-.025em;
      overflow-wrap:anywhere;
    }
    .article-page .article-meta{
      margin-top:24px;
      display:flex;
      flex-wrap:wrap;
      align-items:center;
      justify-content:center;
      gap:10px;
    }
    .article-page .article-meta span{
      padding:7px 12px;
      color:#f7ead7;
      background:rgba(255,255,255,.1);
      border:1px solid rgba(255,255,255,.16);
      border-radius:999px;
      font-size:13px;
      backdrop-filter:blur(8px);
    }
    .article-page .article-layout{
      position:relative;
      z-index:2;
      margin-top:-60px;
      display:grid;
      grid-template-columns:minmax(0,1fr) 310px;
      align-items:start;
      gap:28px;
    }
    .article-page .article-card,
    .article-page .article-sidebar{
      min-width:0;
      background:#fff;
      border:1px solid rgba(229,232,239,.9);
      border-radius:var(--radius);
      box-shadow:var(--shadow);
    }
    .article-page .article-card{padding:clamp(24px,4vw,52px)}
    .article-page .article-summary{
      margin:0 0 30px;
      padding:20px 22px;
      color:#4b5363;
      background:var(--sand);
      border-left:4px solid var(--amber);
      border-radius:4px 12px 12px 4px;
      font-size:16px;
      line-height:1.9;
    }
    .article-page .article-body{
      min-width:0;
      max-width:100%;
      overflow-x:auto;
      color:#343c4d;
      font-size:16px;
      line-height:1.95;
      overflow-wrap:anywhere;
    }
    .article-page .article-body h2,
    .article-page .article-body h3,
    .article-page .article-body h4{
      margin:1.7em 0 .7em;
      color:#1d273a;
      line-height:1.4;
    }
    .article-page .article-body h2{
      padding-left:14px;
      border-left:4px solid var(--theme);
      font-size:26px;
    }
    .article-page .article-body h3{font-size:21px}
    .article-page .article-body p{margin:0 0 1.2em}
    .article-page .article-body a{
      color:var(--theme);
      text-decoration:underline;
      text-underline-offset:3px;
    }
    .article-page .article-body img{
      max-width:100%;
      height:auto;
      margin:24px auto;
      border-radius:12px;
    }
    .article-page .article-body table{
      width:100%;
      max-width:100%;
      margin:22px 0;
      border-collapse:collapse;
    }
    .article-page .article-body th,
    .article-page .article-body td{
      padding:11px 12px;
      border:1px solid var(--line);
      text-align:left;
    }
    .article-page .article-body blockquote{
      margin:24px 0;
      padding:18px 22px;
      color:#465067;
      background:var(--theme-soft);
      border-left:4px solid var(--theme);
    }
    .article-page .article-tags{
      margin-top:34px;
      padding-top:23px;
      display:flex;
      flex-wrap:wrap;
      align-items:center;
      gap:8px;
      border-top:1px solid var(--line);
    }
    .article-page .article-tags>strong{margin-right:4px;color:var(--coffee)}
    .article-page .article-tags a{
      padding:6px 11px;
      color:var(--theme);
      background:var(--theme-soft);
      border-radius:999px;
      font-size:13px;
    }
    .article-page .article-navigation{
      margin-top:28px;
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:14px;
    }
    .article-page .article-navigation a{
      min-width:0;
      padding:17px;
      display:flex;
      flex-direction:column;
      gap:5px;
      background:#f8f9fb;
      border:1px solid var(--line);
      border-radius:12px;
      transition:.2s ease;
    }
    .article-page .article-navigation a:hover{
      border-color:#b9cbed;
      background:var(--theme-soft);
      transform:translateY(-2px);
    }
    .article-page .article-navigation span{
      color:#7a8292;
      font-size:12px;
    }
    .article-page .article-navigation strong{
      overflow:hidden;
      color:#273147;
      font-size:14px;
      text-overflow:ellipsis;
      white-space:nowrap;
    }
    .article-page .article-navigation .next{text-align:right}
    .article-page .article-sidebar{
      position:sticky;
      top:20px;
      padding:22px;
    }
    .article-page .side-heading{
      margin:0 0 16px;
      padding-bottom:12px;
      color:var(--coffee);
      border-bottom:2px solid var(--sand);
      font-size:19px;
    }
    .article-page .side-heading::after{
      width:50px;
      height:2px;
      margin-top:12px;
      display:block;
      background:var(--amber);
      content:"";
    }
    .article-page .side-guide{
      margin:0 0 20px;
      color:var(--muted);
      font-size:13px;
    }
    .article-page .side-links{
      display:grid;
      gap:10px;
    }
    .article-page .side-links a{
      padding:11px 12px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:10px;
      color:#424b5e;
      background:#f8f9fb;
      border-radius:10px;
      font-size:14px;
      font-weight:700;
    }
    .article-page .side-links a::after{
      color:var(--theme);
      content:"›";
      font-size:20px;
    }
    .article-page .side-links a:hover{color:var(--theme);background:var(--theme-soft)}
    .article-page .risk-note{
      margin-top:22px;
      padding:15px;
      color:#73521f;
      background:#fff8e9;
      border:1px solid #f0ddb6;
      border-radius:11px;
      font-size:12px;
      line-height:1.7;
    }
    .article-page .related-section{margin-top:34px}
    .article-page .section-head{
      margin-bottom:18px;
      display:flex;
      align-items:end;
      justify-content:space-between;
      gap:20px;
    }
    .article-page .section-head h2{
      margin:0;
      color:var(--coffee);
      font-size:27px;
    }
    .article-page .section-head p{margin:0;color:var(--muted);font-size:14px}
    .article-page .related-grid{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
    }
    .article-page .related-card{
      min-width:0;
      overflow:hidden;
      background:#fff;
      border:1px solid var(--line);
      border-radius:15px;
      box-shadow:0 10px 30px rgba(20,31,54,.06);
      transition:.2s ease;
    }
    .article-page .related-card:hover{
      border-color:#bdcae2;
      box-shadow:0 16px 35px rgba(11,61,145,.12);
      transform:translateY(-4px);
    }
    .article-page .related-card img{
      width:100%;
      aspect-ratio:16/9;
      object-fit:cover;
      background:#eef1f6;
    }
    .article-page .related-content{padding:17px}
    .article-page .related-content h3{
      margin:0 0 9px;
      color:#222c40;
      font-size:17px;
      line-height:1.5;
      display:-webkit-box;
      overflow:hidden;
      -webkit-box-orient:vertical;
      -webkit-line-clamp:2;
    }
    .article-page .related-content p{
      margin:0 0 12px;
      color:var(--muted);
      font-size:13px;
      line-height:1.7;
      display:-webkit-box;
      overflow:hidden;
      -webkit-box-orient:vertical;
      -webkit-line-clamp:3;
    }
    .article-page .related-meta{
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:10px;
      color:#858c99;
      font-size:12px;
    }

    .footer{
      padding:58px 0 0;
      color:#cbd1dc;
      background:#171c26;
    }
    .footer-grid{
      display:grid;
      grid-template-columns:1.5fr 1fr 1fr 1.1fr;
      gap:42px;
    }
    .footer h3,
    .footer-brand strong{
      margin:0 0 15px;
      display:block;
      color:#fff;
      font-size:17px;
    }
    .footer-brand strong{font-size:23px}
    .footer p{margin:7px 0;color:#aeb6c4;font-size:13px;line-height:1.8}
    .footer-grid>div>a{
      margin:8px 0;
      display:block;
      color:#b8c0cd;
      font-size:13px;
    }
    .footer-grid>div>a:hover{color:#f1c679}
    .footer-bottom{
      margin-top:42px;
      padding:19px 0;
      color:#9099a8;
      border-top:1px solid rgba(255,255,255,.09);
      font-size:13px;
      text-align:center;
    }

    @media (max-width:1100px){
      .main-nav{display:none}
      .hamburger{display:block}
      .header-inner{min-height:70px}
      .header-btns{margin-left:auto}
    }
    @media (max-width:900px){
      .article-page .article-layout{grid-template-columns:1fr}
      .article-page .article-sidebar{position:static}
      .article-page .related-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
      .footer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
    }
    @media (max-width:640px){
      .container{width:min(100% - 28px,1180px)}
      .topbar .container{
        padding:7px 0;
        align-items:flex-start;
        flex-direction:column;
        gap:2px;
      }
      .top-contact{line-height:1.6}
      .logo span{max-width:125px;overflow:hidden;text-overflow:ellipsis}
      .member-link{display:none}
      .open-account{padding:9px 12px}
      .article-page .article-banner{padding:45px 0 93px}
      .article-page .article-title{font-size:30px}
      .article-page .article-layout{margin-top:-48px}
      .article-page .article-card{padding:22px 18px}
      .article-page .article-summary{padding:16px}
      .article-page .article-body{font-size:15px}
      .article-page .article-navigation{grid-template-columns:1fr}
      .article-page .article-navigation .next{text-align:left}
      .article-page .related-grid{grid-template-columns:1fr}
      .article-page .section-head{align-items:flex-start;flex-direction:column;gap:4px}
      .footer-grid{grid-template-columns:1fr;gap:28px}
    }