:root{
      --theme:#0B3D91;
      --template-theme:{主题色};
      --theme-dark:#072C69;
      --theme-soft:#EAF1FC;
      --amber:#D89A2B;
      --sand:#F6EAD7;
      --coffee:#38291F;
      --ink:#192332;
      --muted:#697386;
      --line:#DFE4EC;
      --surface:#FFFFFF;
      --page:#F7F8FA;
      --success:#19734B;
      --danger:#B33A3A;
      --shadow:0 18px 50px rgba(24,35,50,.09);
      --radius:20px;
    }

    *{
      box-sizing:border-box;
    }

    html{
      scroll-behavior:smooth;
    }

    body{
      margin:0;
      color:var(--ink);
      background:var(--page);
      font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
      line-height:1.65;
    }

    body,
    button,
    input,
    select,
    textarea{
      font:inherit;
    }

    img{
      display:block;
      max-width:100%;
    }

    a{
      color:inherit;
      text-decoration:none;
    }

    button,
    input,
    select{
      border:0;
    }

    button,
    select{
      cursor:pointer;
    }

    .container{
      width:min(1180px,calc(100% - 40px));
      margin-inline:auto;
    }

    .topbar{
      color:#F9F2E7;
      background:var(--coffee);
      font-size:13px;
    }

    .topbar-inner{
      min-height:38px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:24px;
    }

    .topbar-links{
      display:flex;
      align-items:center;
      gap:20px;
    }

    .topbar a:hover{
      color:#FFD991;
    }

    .header{
      position:relative;
      z-index:50;
      background:rgba(255,255,255,.98);
      border-bottom:1px solid var(--line);
      box-shadow:0 8px 30px rgba(25,35,50,.04);
    }

    .header-inner{
      min-height:78px;
      display:flex;
      align-items:center;
      gap:25px;
    }

    .logo{
      min-width:175px;
      display:inline-flex;
      align-items:center;
      gap:11px;
      color:var(--coffee);
      font-size:18px;
      font-weight:800;
      letter-spacing:-.02em;
    }

    .logo img{
      width:42px;
      height:42px;
      object-fit:contain;
      border-radius:11px;
    }

    .main-nav{
      min-width:0;
      flex:1;
      align-self:stretch;
    }

    .nav-list{
      height:100%;
      margin:0;
      padding:0;
      display:flex;
      align-items:stretch;
      justify-content:center;
      list-style:none;
    }

    .nav-item{
      position:relative;
      display:flex;
      align-items:center;
    }

    .nav-link{
      height:100%;
      padding:0 13px;
      display:flex;
      align-items:center;
      color:#303A49;
      font-size:14px;
      font-weight:700;
      white-space:nowrap;
    }

    .nav-item:hover > .nav-link,
    .nav-item:focus-within > .nav-link{
      color:var(--theme);
    }

    .nav-item:hover > .nav-link::after,
    .nav-item:focus-within > .nav-link::after{
      transform:scaleX(1);
    }

    .nav-link::after{
      content:"";
      position:absolute;
      right:13px;
      bottom:0;
      left:13px;
      height:3px;
      background:var(--amber);
      border-radius:3px 3px 0 0;
      transform:scaleX(0);
      transition:transform .2s ease;
    }

    .dropdown-panel,
    .mega-menu{
      position:absolute;
      top:100%;
      left:50%;
      z-index:60;
      padding:24px;
      visibility:hidden;
      opacity:0;
      transform:translate(-50%,10px);
      transition:opacity .18s ease,transform .18s ease,visibility .18s;
      background:#FFFFFF;
      border:1px solid var(--line);
      border-top:3px solid var(--amber);
      border-radius:0 0 18px 18px;
      box-shadow:0 24px 60px rgba(21,31,45,.16);
    }

    .dropdown-panel::before,
    .mega-menu::before{
      content:"";
      position:absolute;
      right:0;
      bottom:100%;
      left:0;
      height:12px;
    }

    .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);
    }

    .dropdown-panel{
      width:330px;
    }

    .mega-menu{
      width:min(900px,calc(100vw - 44px));
    }

    .nav-item:nth-last-child(-n+3) .mega-menu{
      left:auto;
      right:-110px;
      transform:translateY(10px);
    }

    .nav-item:nth-last-child(-n+3):hover > .mega-menu,
    .nav-item:nth-last-child(-n+3):focus-within > .mega-menu{
      transform:translateY(0);
    }

    .panel-title{
      margin:0 0 15px;
      color:var(--coffee);
      font-size:16px;
      font-weight:800;
    }

    .panel-list{
      display:grid;
      gap:4px;
    }

    .panel-list a{
      padding:10px 12px;
      color:#4C5767;
      background:#F8F9FB;
      border-radius:9px;
      font-size:14px;
    }

    .panel-list a:hover{
      color:var(--theme);
      background:var(--theme-soft);
    }

    .broker-grid,
    .video-grid,
    .tool-grid,
    .product-grid{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:12px;
    }

    .mega-card{
      min-width:0;
      min-height:115px;
      padding:14px;
      display:grid;
      grid-template-columns:46px minmax(0,1fr);
      align-content:start;
      gap:4px 11px;
      background:#F8F9FB;
      border:1px solid transparent;
      border-radius:13px;
    }

    .mega-card:hover{
      background:#FFFFFF;
      border-color:#C8D6EF;
      box-shadow:0 8px 22px rgba(11,61,145,.08);
    }

    .mega-card img{
      grid-row:1 / span 3;
      width:46px;
      height:46px;
      object-fit:cover;
      background:#FFFFFF;
      border-radius:10px;
    }

    .mega-card strong,
    .mega-card small{
      min-width:0;
      overflow:hidden;
      text-overflow:ellipsis;
    }

    .mega-card strong{
      color:#263345;
      font-size:14px;
      white-space:nowrap;
    }

    .mega-card small{
      color:var(--muted);
      font-size:12px;
      line-height:1.45;
    }

    .section-btn{
      margin-top:16px;
      padding:10px 15px;
      display:inline-flex;
      color:#FFFFFF;
      background:var(--theme);
      border-radius:9px;
      font-size:13px;
      font-weight:800;
    }

    .section-btn:hover{
      background:var(--theme-dark);
    }

    .header-btns{
      display:flex;
      align-items:center;
      gap:9px;
    }

    .member-link,
    .account-link{
      padding:10px 14px;
      border-radius:10px;
      font-size:13px;
      font-weight:800;
      white-space:nowrap;
    }

    .member-link{
      color:var(--theme);
      border:1px solid #BFCDE5;
    }

    .account-link{
      color:#FFFFFF;
      background:var(--theme);
      box-shadow:0 8px 20px rgba(11,61,145,.18);
    }

    .member-link:hover{
      background:var(--theme-soft);
    }

    .account-link:hover{
      background:var(--theme-dark);
    }

    .hamburger{
      width:44px;
      height:44px;
      padding:10px;
      display:none;
      flex-direction:column;
      align-items:center;
      justify-content:center;
      gap:5px;
      background:#F2F5F9;
      border-radius:10px;
    }

    .hamburger span{
      width:22px;
      height:2px;
      background:var(--coffee);
      border-radius:2px;
      transition:transform .2s ease,opacity .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:80;
      visibility:hidden;
      opacity:0;
      background:rgba(20,24,31,.58);
      backdrop-filter:blur(2px);
      transition:opacity .25s ease,visibility .25s;
    }

    .drawer-overlay.open{
      visibility:visible;
      opacity:1;
    }

    .mobile-drawer{
      position:fixed;
      top:0;
      right:0;
      bottom:0;
      z-index:90;
      width:min(390px,92vw);
      overflow-y:auto;
      background:#FFFFFF;
      box-shadow:-20px 0 55px rgba(20,29,43,.22);
      transform:translateX(105%);
      transition:transform .28s ease;
    }

    .mobile-drawer.open{
      transform:translateX(0);
    }

    .drawer-head{
      min-height:76px;
      padding:15px 18px;
      display:flex;
      align-items:center;
      gap:10px;
      color:#FFFFFF;
      background:var(--coffee);
    }

    .drawer-head > span{
      min-width:0;
      flex:1;
      font-weight:800;
    }

    .drawer-head > a{
      padding:8px 10px;
      color:var(--coffee);
      background:#F5D190;
      border-radius:8px;
      font-size:12px;
      font-weight:800;
    }

    .drawer-close{
      width:38px;
      height:38px;
      color:#FFFFFF;
      background:rgba(255,255,255,.12);
      border-radius:9px;
      font-size:27px;
      line-height:1;
    }

    .drawer-menu{
      padding:14px;
    }

    .drawer-link,
    .drawer-toggle{
      width:100%;
      padding:14px 13px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      color:#263345;
      background:transparent;
      border-bottom:1px solid #EDF0F4;
      font-weight:750;
      text-align:left;
    }

    .drawer-toggle::after{
      content:"+";
      color:var(--theme);
      font-size:20px;
    }

    .drawer-toggle.active::after{
      content:"−";
    }

    .drawer-submenu{
      max-height:0;
      overflow:hidden;
      background:#F7F9FC;
      border-radius:0 0 11px 11px;
      transition:max-height .3s ease;
    }

    .drawer-submenu.open{
      max-height:520px;
    }

    .drawer-submenu a{
      padding:11px 17px;
      display:block;
      color:#5D6878;
      border-bottom:1px solid #E7EBF1;
      font-size:14px;
    }

    .drawer-submenu a:hover{
      color:var(--theme);
    }

    .tool-detail-page{
      min-width:0;
      padding-bottom:80px;
    }

    .tool-detail-page .detail-banner{
      position:relative;
      overflow:hidden;
      padding:56px 0 62px;
      color:#FFFFFF;
      background:
        radial-gradient(circle at 85% 15%,rgba(216,154,43,.35),transparent 25%),
        linear-gradient(135deg,var(--theme-dark),var(--theme) 56%,#1B559F);
    }

    .tool-detail-page .detail-banner::after{
      content:"";
      position:absolute;
      right:-90px;
      bottom:-150px;
      width:400px;
      height:400px;
      border:70px solid rgba(255,255,255,.06);
      border-radius:50%;
    }

    .tool-detail-page .breadcrumbs{
      position:relative;
      z-index:1;
      margin-bottom:24px;
      display:flex;
      flex-wrap:wrap;
      align-items:center;
      gap:8px;
      color:#DDE8FA;
      font-size:13px;
    }

    .tool-detail-page .breadcrumbs a:hover{
      color:#FFFFFF;
      text-decoration:underline;
    }

    .tool-detail-page .tool-heading{
      position:relative;
      z-index:1;
      max-width:850px;
    }

    .tool-detail-page .eyebrow{
      margin:0 0 12px;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#FFE4AD;
      font-size:13px;
      font-weight:850;
      letter-spacing:.08em;
      text-transform:uppercase;
    }

    .tool-detail-page .eyebrow::before{
      content:"";
      width:28px;
      height:2px;
      background:var(--amber);
    }

    .tool-detail-page h1{
      margin:0;
      color:#FFFFFF;
      font-size:clamp(34px,5vw,58px);
      line-height:1.08;
      letter-spacing:-.045em;
    }

    .tool-detail-page .lead{
      max-width:720px;
      margin:18px 0 0;
      color:#E2EBF9;
      font-size:18px;
    }

    .tool-detail-page .banner-tags{
      margin-top:25px;
      display:flex;
      flex-wrap:wrap;
      gap:9px;
    }

    .tool-detail-page .banner-tags span{
      padding:8px 12px;
      color:#FFFFFF;
      background:rgba(255,255,255,.1);
      border:1px solid rgba(255,255,255,.18);
      border-radius:999px;
      font-size:12px;
      font-weight:700;
    }

    .tool-detail-page .detail-layout{
      position:relative;
      z-index:2;
      margin-top:-28px;
      display:grid;
      grid-template-columns:minmax(0,1fr) 340px;
      align-items:start;
      gap:28px;
    }

    .tool-detail-page .content-card,
    .tool-detail-page .calculator-card,
    .tool-detail-page .guide-card,
    .tool-detail-page .related-card{
      min-width:0;
      background:#FFFFFF;
      border:1px solid var(--line);
      border-radius:var(--radius);
      box-shadow:var(--shadow);
    }

    .tool-detail-page .content-card{
      padding:34px;
    }

    .tool-detail-page .content-card h2,
    .tool-detail-page .calculator-card h2,
    .tool-detail-page .guide-card h2,
    .tool-detail-page .related-section h2{
      margin:0 0 10px;
      color:var(--coffee);
      line-height:1.25;
      letter-spacing:-.025em;
    }

    .tool-detail-page .tool-body{
      min-width:0;
      max-width:100%;
      overflow-x:auto;
      color:#3E4958;
    }

    .tool-detail-page .tool-body img,
    .tool-detail-page .tool-body video,
    .tool-detail-page .tool-body iframe,
    .tool-detail-page .tool-body table{
      max-width:100%;
    }

    .tool-detail-page .tool-body iframe{
      width:100%;
      border:0;
    }

    .tool-detail-page .tool-body table{
      width:100%;
      border-collapse:collapse;
    }

    .tool-detail-page .tool-body th,
    .tool-detail-page .tool-body td{
      padding:12px;
      border:1px solid var(--line);
      text-align:left;
    }

    .tool-detail-page .tool-body h2,
    .tool-detail-page .tool-body h3{
      color:var(--coffee);
    }

    .tool-detail-page .tool-body a{
      color:var(--theme);
      text-decoration:underline;
    }

    .tool-detail-page .info-note{
      margin-top:28px;
      padding:17px 18px;
      color:#614A20;
      background:#FFF7E8;
      border-left:4px solid var(--amber);
      border-radius:0 12px 12px 0;
      font-size:14px;
    }

    .tool-detail-page .side-stack{
      display:grid;
      gap:20px;
    }

    .tool-detail-page .calculator-card,
    .tool-detail-page .guide-card{
      padding:24px;
    }

    .tool-detail-page .calculator-card{
      border-top:4px solid var(--amber);
    }

    .tool-detail-page .card-intro{
      margin:0 0 19px;
      color:var(--muted);
      font-size:14px;
    }

    .tool-detail-page .field{
      margin-bottom:15px;
    }

    .tool-detail-page .field label{
      margin-bottom:6px;
      display:block;
      color:#394659;
      font-size:13px;
      font-weight:800;
    }

    .tool-detail-page .input-wrap{
      display:flex;
      align-items:center;
      overflow:hidden;
      background:#FFFFFF;
      border:1px solid #CDD5E1;
      border-radius:10px;
      transition:border-color .2s ease,box-shadow .2s ease;
    }

    .tool-detail-page .input-wrap:focus-within{
      border-color:var(--theme);
      box-shadow:0 0 0 3px rgba(11,61,145,.11);
    }

    .tool-detail-page .input-wrap input{
      min-width:0;
      width:100%;
      padding:11px 12px;
      color:var(--ink);
      background:transparent;
      outline:0;
    }

    .tool-detail-page .input-wrap span{
      padding:0 12px;
      color:#667286;
      background:#F2F5F8;
      align-self:stretch;
      display:flex;
      align-items:center;
      font-size:12px;
      font-weight:800;
    }

    .tool-detail-page .calculate-btn{
      width:100%;
      margin-top:4px;
      padding:13px 17px;
      color:#FFFFFF;
      background:var(--theme);
      border-radius:10px;
      font-weight:850;
      box-shadow:0 10px 23px rgba(11,61,145,.2);
    }

    .tool-detail-page .calculate-btn:hover{
      background:var(--theme-dark);
    }

    .tool-detail-page .result-box{
      margin-top:17px;
      padding:16px;
      background:var(--theme-soft);
      border:1px solid #C9D8EF;
      border-radius:12px;
    }

    .tool-detail-page .result-box small{
      display:block;
      color:#5F6C7E;
    }

    .tool-detail-page .result-value{
      margin-top:3px;
      display:block;
      color:var(--theme);
      font-size:28px;
      font-weight:900;
      line-height:1.2;
    }

    .tool-detail-page .result-risk{
      margin:7px 0 0;
      color:#4D5B6E;
      font-size:13px;
    }

    .tool-detail-page .validation-message{
      min-height:21px;
      margin:8px 0 0;
      color:var(--danger);
      font-size:12px;
    }

    .tool-detail-page .guide-list{
      margin:17px 0 0;
      padding:0;
      display:grid;
      gap:13px;
      list-style:none;
      counter-reset:guide;
    }

    .tool-detail-page .guide-list li{
      position:relative;
      min-height:34px;
      padding-left:45px;
      color:#4C596B;
      font-size:14px;
      counter-increment:guide;
    }

    .tool-detail-page .guide-list li::before{
      content:counter(guide);
      position:absolute;
      top:0;
      left:0;
      width:31px;
      height:31px;
      display:grid;
      place-items:center;
      color:#FFFFFF;
      background:var(--coffee);
      border-radius:9px;
      font-size:12px;
      font-weight:900;
    }

    .tool-detail-page .related-section{
      margin-top:55px;
    }

    .tool-detail-page .section-head{
      margin-bottom:20px;
      display:flex;
      align-items:end;
      justify-content:space-between;
      gap:20px;
    }

    .tool-detail-page .section-head p{
      margin:5px 0 0;
      color:var(--muted);
    }

    .tool-detail-page .all-tools{
      padding:10px 14px;
      color:var(--theme);
      background:#FFFFFF;
      border:1px solid #C9D5E8;
      border-radius:10px;
      font-size:13px;
      font-weight:850;
      white-space:nowrap;
    }

    .tool-detail-page .all-tools:hover{
      color:#FFFFFF;
      background:var(--theme);
      border-color:var(--theme);
    }

    .tool-detail-page .related-grid{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
    }

    .tool-detail-page .related-card{
      padding:22px;
      display:flex;
      flex-direction:column;
      box-shadow:0 12px 34px rgba(24,35,50,.06);
      transition:transform .2s ease,border-color .2s ease,box-shadow .2s ease;
    }

    .tool-detail-page .related-card:hover{
      transform:translateY(-5px);
      border-color:#B9CAE5;
      box-shadow:0 18px 40px rgba(11,61,145,.11);
    }

    .tool-detail-page .related-icon{
      width:54px;
      height:54px;
      margin-bottom:17px;
      display:grid;
      place-items:center;
      overflow:hidden;
      color:#FFFFFF;
      background:linear-gradient(145deg,var(--theme),#2770C3);
      border-radius:15px;
    }

    .tool-detail-page .related-icon img{
      width:32px;
      height:32px;
      object-fit:contain;
    }

    .tool-detail-page .related-card h3{
      margin:0;
      color:var(--coffee);
      font-size:18px;
    }

    .tool-detail-page .related-card p{
      margin:9px 0 20px;
      color:var(--muted);
      font-size:14px;
    }

    .tool-detail-page .related-link{
      margin-top:auto;
      color:var(--theme);
      font-size:13px;
      font-weight:850;
    }

    .footer{
      padding:58px 0 22px;
      color:#C9C1B8;
      background:#2B211B;
    }

    .footer-grid{
      display:grid;
      grid-template-columns:1.5fr 1fr 1fr 1.15fr;
      gap:42px;
    }

    .footer h3{
      margin:0 0 17px;
      color:#F3E5CE;
      font-size:16px;
    }

    .footer p{
      margin:8px 0;
      font-size:14px;
    }

    .footer a:hover{
      color:#F5C66E;
    }

    .footer-links{
      display:grid;
      gap:9px;
      font-size:14px;
    }

    .footer-bottom{
      margin-top:42px;
      padding-top:20px;
      color:#9F968D;
      border-top:1px solid rgba(255,255,255,.12);
      font-size:13px;
      text-align:center;
    }

    @media (max-width:1080px){
      .main-nav{
        display:none;
      }

      .hamburger{
        display:flex;
      }

      .header-inner{
        min-height:72px;
      }

      .logo{
        margin-right:auto;
      }

      .tool-detail-page .detail-layout{
        grid-template-columns:minmax(0,1fr) 310px;
      }
    }

    @media (max-width:850px){
      .tool-detail-page .detail-layout{
        grid-template-columns:1fr;
      }

      .tool-detail-page .side-stack{
        grid-template-columns:repeat(2,minmax(0,1fr));
      }

      .tool-detail-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-inner{
        padding:8px 0;
        align-items:flex-start;
        flex-direction:column;
        gap:3px;
      }

      .topbar-links{
        flex-wrap:wrap;
        gap:4px 14px;
      }

      .header-btns .member-link{
        display:none;
      }

      .header-btns .account-link{
        padding:9px 11px;
        font-size:12px;
      }

      .logo{
        min-width:0;
      }

      .logo span{
        max-width:130px;
        overflow:hidden;
        text-overflow:ellipsis;
        white-space:nowrap;
      }

      .tool-detail-page .detail-banner{
        padding:40px 0 52px;
      }

      .tool-detail-page .lead{
        font-size:16px;
      }

      .tool-detail-page .detail-layout{
        margin-top:-20px;
      }

      .tool-detail-page .content-card,
      .tool-detail-page .calculator-card,
      .tool-detail-page .guide-card{
        padding:21px;
        border-radius:16px;
      }

      .tool-detail-page .side-stack,
      .tool-detail-page .related-grid{
        grid-template-columns:1fr;
      }

      .tool-detail-page .section-head{
        align-items:flex-start;
        flex-direction:column;
      }

      .footer-grid{
        grid-template-columns:1fr;
        gap:30px;
      }
    }