:root{--blue:#0B3D91;--ink:#172235;--muted:#687487;--line:#e5eaf1;--soft:#f5f8fc;--white:#fff;--shadow:0 16px 45px rgba(19,40,75,.1)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:#f7f9fc;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI","Microsoft YaHei",Arial,sans-serif;line-height:1.7}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{width:min(1180px,calc(100% - 36px));margin:auto}
.topbar{background:#12233e;color:#dce7f7;font-size:13px}
.topbar .container{height:38px;display:flex;align-items:center;justify-content:space-between}
.topbar a{color:#dce7f7;margin-left:20px}
.header{position:relative;z-index:20;background:#fff;border-bottom:1px solid var(--line)}
.header-inner{min-height:76px;display:flex;align-items:center;gap:30px}
.logo{display:flex;align-items:center;gap:10px;min-width:180px;color:var(--blue);font-size:19px;font-weight:800}
.logo img{width:38px;height:38px;object-fit:contain}
.main-nav{flex:1}
.nav-list{display:flex;align-items:stretch;justify-content:center;gap:3px;list-style:none;margin:0;padding:0}
.nav-item{position:relative}
.nav-link{display:flex;align-items:center;height:76px;padding:0 14px;font-size:14px;font-weight:600;white-space:nowrap}
.nav-link.has-arrow:after{content:"";width:6px;height:6px;border-right:1px solid currentColor;border-bottom:1px solid currentColor;transform:rotate(45deg);margin:0 0 4px 8px}
.nav-item:hover>.nav-link,.nav-item:focus-within>.nav-link{color:var(--blue)}
.dropdown-panel,.mega-menu{position:absolute;top:calc(100% - 1px);left:50%;transform:translateX(-50%);width:260px;padding:14px;background:#fff;border:1px solid var(--line);border-radius:0 0 12px 12px;box-shadow:var(--shadow);opacity:0;visibility:hidden;transition:.2s;z-index:30}
.nav-item:hover>.dropdown-panel,.nav-item:focus-within>.dropdown-panel,.nav-item:hover>.mega-menu,.nav-item:focus-within>.mega-menu{opacity:1;visibility:visible}
.dropdown-panel a{display:block;padding:9px 10px;border-radius:7px;font-size:13px}
.dropdown-panel a:hover{background:var(--soft);color:var(--blue)}
.mega-menu{width:650px;padding:18px}
.mega-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.mega-card{display:block;border:1px solid var(--line);border-radius:10px;padding:10px;background:#fff;transition:.2s}
.mega-card:hover{border-color:#a9bddf;transform:translateY(-2px)}
.mega-card img{width:42px;height:42px;object-fit:contain;border-radius:7px;margin-bottom:7px}
.mega-card strong{display:block;font-size:13px;margin-bottom:3px}
.mega-card small{display:block;color:var(--muted);font-size:11px;line-height:1.55}
.mega-footer{display:inline-block;color:var(--blue);font-size:13px;font-weight:700;margin-top:15px;padding:5px 8px}
.mega-menu .mega-grid+.mega-grid{grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);margin-top:16px;padding-top:10px}
.mega-menu .mega-grid+.mega-grid .mega-footer{margin:0;font-weight:500}
.header-btns{display:flex;align-items:center;gap:10px;white-space:nowrap}
.member-entry{font-size:13px;color:var(--blue)}
.open-account{background:var(--blue);color:#fff;padding:8px 15px;border-radius:7px;font-size:13px;font-weight:700}
.hamburger{display:none;border:0;background:none;padding:7px;cursor:pointer}
.hamburger span{display:block;width:23px;height:2px;background:var(--ink);margin:5px 0;transition:.2s}
.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{display:none;position:fixed;inset:0;background:rgba(9,23,44,.48);z-index:40}
.mobile-drawer{position:fixed;right:0;top:0;bottom:0;width:min(360px,88vw);background:#fff;z-index:50;transform:translateX(100%);transition:.25s;overflow:auto;box-shadow:-10px 0 30px rgba(0,0,0,.12)}
.mobile-drawer.open{transform:translateX(0)}
.drawer-overlay.open{display:block}
.drawer-head{height:68px;display:flex;align-items:center;gap:16px;padding:0 20px;border-bottom:1px solid var(--line);font-weight:700;color:var(--blue)}
.drawer-head>a{margin-left:auto;background:var(--blue);color:#fff;border-radius:6px;padding:5px 10px;font-size:12px}
.drawer-close{border:0;background:none;font-size:28px;color:var(--muted);cursor:pointer}
.drawer-menu{padding:12px 20px 28px}
.drawer-link,.drawer-toggle{width:100%;display:block;padding:13px 0;border:0;border-bottom:1px solid var(--line);background:none;text-align:left;font-size:15px;color:var(--ink);cursor:pointer}
.drawer-toggle:after{content:"+";float:right;color:var(--blue);font-size:19px}
.drawer-toggle.active:after{content:"−"}
.drawer-submenu{display:none;padding:5px 0 7px 14px}
.drawer-submenu.open{display:block}
.drawer-submenu a{display:block;color:var(--muted);padding:7px 0;font-size:13px}
.footer{margin-top:70px;background:#13233d;color:#d9e3f1}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:36px;padding:48px 0 34px}
.footer h3,.footer h4{color:#fff;margin:0 0 14px}
.footer h3{font-size:20px}
.footer h4{font-size:14px}
.footer p{margin:5px 0;color:#b7c6da;font-size:13px}
.footer-grid>div>a{display:block;color:#b7c6da;font-size:13px;margin:5px 0}
.footer-grid>div>a:hover{color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.13);display:flex;justify-content:space-between;padding:17px 0;color:#9cafc7;font-size:12px}
.tool-detail-page{padding:0 0 20px}
.tool-crumb{padding:24px 0 14px;color:var(--muted);font-size:13px}
.tool-crumb a{color:var(--blue)}
.tool-detail-layout{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:28px;align-items:start}
.tool-article,.tool-sidebar{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 8px 25px rgba(22,42,75,.05)}
.tool-article{padding:34px 38px}
.tool-heading{display:flex;gap:20px;align-items:flex-start;padding-bottom:25px;border-bottom:1px solid var(--line)}
.tool-icon{width:76px;height:76px;border-radius:16px;object-fit:contain;background:#eef4ff;padding:12px;flex:none}
.tool-heading h1{font-size:32px;line-height:1.25;margin:2px 0 8px;color:#132a50}
.tool-heading p{margin:0;color:var(--muted);font-size:15px}
.tool-meta{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}
.tool-meta span{background:#f0f5fc;color:#52647d;border-radius:20px;padding:5px 11px;font-size:12px}
.tool-body{min-width:0;max-width:100%;overflow-x:auto;padding-top:28px;color:#354258}
.tool-body h2{font-size:21px;color:#172d51;margin:28px 0 12px}
.tool-body h3{font-size:17px;color:#203d6d;margin:23px 0 9px}
.tool-body p{margin:0 0 15px}
.tool-body img{max-width:100%;height:auto}
.tool-body table{max-width:100%;border-collapse:collapse;margin:16px 0}
.tool-body th,.tool-body td{border:1px solid var(--line);padding:9px 12px;white-space:nowrap}
.tool-body ul,.tool-body ol{padding-left:24px}
.tool-sidebar{padding:22px}
.tool-sidebar h2{font-size:18px;margin:0 0 15px;color:#172d51}
.side-tool{display:flex;gap:11px;padding:13px 0;border-top:1px solid var(--line)}
.side-tool img{width:42px;height:42px;object-fit:contain;background:#f0f5fc;border-radius:8px;padding:7px;flex:none}
.side-tool strong{display:block;font-size:13px;color:#223d68}
.side-tool small{display:block;color:var(--muted);font-size:11px;line-height:1.45;margin-top:2px}
.side-box{margin-top:24px;padding:16px;border-radius:11px;background:#eef4ff}
.side-box strong{display:block;color:#173c78;margin-bottom:5px}
.side-box p{margin:0;color:#5c6b80;font-size:12px}
.tool-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.tool-actions a{padding:10px 18px;border-radius:7px;font-size:13px;font-weight:700}
.tool-actions .primary{background:var(--blue);color:#fff}
.tool-actions .secondary{border:1px solid #cbd8eb;color:var(--blue)}
@media(max-width:980px){
.main-nav{display:none}
.header-inner{justify-content:space-between}
.hamburger{display:block}
.tool-detail-layout{grid-template-columns:1fr}
.tool-sidebar{order:2}
}
@media(max-width:640px){
.container{width:min(100% - 28px,1180px)}
.topbar .container{height:auto;min-height:42px;padding:7px 0;align-items:flex-start;gap:5px;flex-direction:column}
.topbar a{margin-left:0;margin-right:14px}
.logo{min-width:0;font-size:16px}
.logo img{width:32px;height:32px}
.member-entry{display:none}
.open-account{padding:7px 10px}
.tool-article{padding:24px 18px}
.tool-heading{gap:13px}
.tool-icon{width:58px;height:58px;padding:9px;border-radius:12px}
.tool-heading h1{font-size:25px}
.tool-heading p{font-size:13px}
.footer-grid{grid-template-columns:1fr 1fr;gap:25px 18px;padding:34px 0}
.footer-bottom{display:block;line-height:2}
}