:root{
  --navy:#0b1f3a; --blue:#1565d8; --cyan:#00b4d8; --gold:#f5a623;
  --bg:#f5f8fc; --text:#1f2a37; --muted:#5b6b7b; --line:#e3e9f2; --white:#fff;
}
*{box-sizing:border-box;margin:0;padding:0;}
body{font-family:-apple-system,"Segoe UI","PingFang SC","Microsoft YaHei",sans-serif;color:var(--text);background:var(--bg);line-height:1.6;}
a{text-decoration:none;color:inherit;}
ul{list-style:none;}
.container{max-width:1140px;margin:0 auto;padding:0 24px;}
.section-title{font-size:30px;font-weight:800;text-align:center;margin-bottom:40px;color:var(--navy);}
.section-title.left{text-align:left;}

/* Header */
.site-header{background:var(--navy);color:var(--white);position:sticky;top:0;z-index:50;}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;height:70px;}
.logo{font-size:26px;font-weight:900;letter-spacing:1px;color:var(--white);}
.logo span{color:var(--cyan);}
nav ul{display:flex;gap:26px;}
nav a{color:#d7e2f0;font-size:15px;font-weight:500;transition:.2s;}
nav a:hover,.nav-wrap a.active{color:var(--cyan);}
.btn-login{background:var(--cyan);color:var(--navy);font-weight:700;padding:9px 20px;border-radius:8px;font-size:14px;transition:.2s;}
.btn-login:hover{background:var(--gold);}

/* Hero */
.hero{background:linear-gradient(135deg,#0b1f3a 0%,#12386b 60%,#1565d8 100%);color:var(--white);padding:80px 0;}
.hero-inner{display:grid;grid-template-columns:1.3fr .9fr;gap:50px;align-items:center;}
.hero h1{font-size:46px;font-weight:900;line-height:1.2;margin-bottom:20px;}
.hero h1 span{color:var(--cyan);}
.lead{font-size:17px;color:#cfe0f2;margin-bottom:28px;}
.hero-actions{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:34px;}
.btn-primary{background:var(--cyan);color:var(--navy);font-weight:700;padding:13px 28px;border-radius:10px;display:inline-block;transition:.2s;border:none;cursor:pointer;font-size:15px;}
.btn-primary:hover{background:var(--gold);transform:translateY(-2px);}
.btn-ghost{color:var(--white);border:1.5px solid rgba(255,255,255,.4);padding:13px 24px;border-radius:10px;font-weight:600;transition:.2s;}
.btn-ghost:hover{border-color:var(--cyan);color:var(--cyan);}
.hero-meta{display:flex;gap:40px;margin-top:10px;}
.hero-meta li{text-align:center;}
.hero-meta strong{display:block;font-size:26px;font-weight:900;color:var(--cyan);}
.hero-meta span{font-size:13px;color:#a9c2dd;}

.hero-card{background:rgba(255,255,255,.08);backdrop-filter:blur(6px);border:1px solid rgba(255,255,255,.14);border-radius:18px;padding:26px;}
.card-title{font-weight:800;font-size:17px;margin-bottom:16px;color:var(--white);}
.quote-list li{display:flex;justify-content:space-between;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:15px;color:#dfe9f5;}
.quote-list li:last-child{border-bottom:none;}
.up{color:#2ecc71;font-weight:700;}
.down{color:#ff6b6b;font-weight:700;}
.card-note{font-size:12px;color:#8fb0cf;margin-top:14px;text-align:center;}

/* Features */
.features{padding:80px 0;background:var(--white);}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;}
.feat-card{background:var(--bg);border:1px solid var(--line);border-radius:16px;padding:28px;text-align:center;transition:.25s;}
.feat-card:hover{transform:translateY(-6px);box-shadow:0 12px 30px rgba(21,101,216,.1);border-color:var(--cyan);}
.feat-icon{width:60px;height:60px;border-radius:14px;background:linear-gradient(135deg,var(--blue),var(--cyan));color:#fff;display:flex;align-items:center;justify-content:center;font-weight:900;font-size:20px;margin:0 auto 16px;}
.feat-card h3{font-size:18px;margin-bottom:8px;color:var(--navy);}
.feat-card p{font-size:14px;color:var(--muted);}

/* Platform */
.platform{padding:80px 0;background:var(--bg);}
.plat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.plat-item{background:var(--white);border-radius:16px;padding:30px;border-top:4px solid var(--cyan);box-shadow:0 4px 18px rgba(0,0,0,.04);}
.plat-item h3{color:var(--navy);margin-bottom:10px;font-size:19px;}
.plat-item p{color:var(--muted);font-size:14px;}

/* About */
.about{padding:80px 0;background:var(--white);}
.about-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:50px;align-items:center;}
.about p{color:var(--muted);margin:16px 0 24px;}
.about-stats li{display:flex;flex-direction:column;padding:16px 20px;background:var(--bg);border-radius:12px;margin-bottom:14px;border-left:4px solid var(--gold);}
.about-stats strong{font-size:17px;color:var(--navy);}
.about-stats span{font-size:13px;color:var(--muted);}

/* Page hero (inner) */
.page-hero{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;padding:60px 0;text-align:center;}
.page-hero h1{font-size:40px;font-weight:900;margin-bottom:12px;}
.page-hero p{color:#cfe0f2;font-size:16px;}

/* Account */
.account-section{padding:70px 0;background:var(--bg);}
.account-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-bottom:60px;}
.account-card{background:var(--white);border:1px solid var(--line);border-radius:20px;padding:34px 28px;position:relative;display:flex;flex-direction:column;transition:.25s;}
.account-card:hover{box-shadow:0 14px 34px rgba(21,101,216,.1);transform:translateY(-4px);}
.account-card.featured{border-color:var(--cyan);box-shadow:0 8px 24px rgba(0,180,216,.18);}
.badge{position:absolute;top:-14px;right:24px;background:var(--gold);color:#fff;font-size:12px;font-weight:800;padding:5px 14px;border-radius:20px;}
.account-card h2{font-size:24px;color:var(--navy);margin-bottom:6px;}
.acc-tag{font-size:13px;color:var(--cyan);font-weight:600;margin-bottom:18px;}
.account-card ul{flex:1;margin-bottom:24px;}
.account-card li{padding:8px 0;border-bottom:1px dashed var(--line);font-size:14px;color:var(--muted);}
.account-card li:last-child{border-bottom:none;}
.account-card li strong{color:var(--navy);}

.compare{background:var(--white);border-radius:20px;padding:40px;border:1px solid var(--line);}
.acc-table{width:100%;border-collapse:collapse;font-size:14px;}
.acc-table th{background:var(--navy);color:#fff;padding:14px;text-align:left;}
.acc-table td{padding:13px 14px;border-bottom:1px solid var(--line);color:var(--muted);}
.acc-table tr:nth-child(even) td{background:#f8fbfe;}
.acc-table td:first-child{font-weight:700;color:var(--navy);}

/* Steps */
.open-steps{padding:70px 0;background:var(--white);}
.step-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
.step{text-align:center;padding:30px 20px;background:var(--bg);border-radius:16px;}
.step b{display:block;font-size:34px;font-weight:900;color:var(--cyan);margin-bottom:8px;}
.step h3{color:var(--navy);margin-bottom:6px;font-size:18px;}

/* Footer */
.site-footer{background:var(--navy);color:#cfe0f2;padding:50px 0 0;}
.footer-wrap{display:grid;grid-template-columns:1.4fr 1fr 1.6fr;gap:40px;padding-bottom:30px;}
.site-footer h4{color:#fff;margin-bottom:12px;font-size:16px;}
.site-footer ul li{margin-bottom:8px;}
.site-footer a:hover{color:var(--cyan);}
.foot-note{font-size:13px;color:#8fb0cf;margin-top:8px;}
.foot-risk{font-size:12px;color:#8fb0cf;line-height:1.7;}
.foot-bottom{text-align:center;padding:18px;border-top:1px solid rgba(255,255,255,.1);font-size:13px;color:#7f9cbb;}

@media(max-width:900px){
  .hero-inner,.about-grid,.step-grid,.account-grid,.grid-4,.plat-grid{grid-template-columns:1fr;}
  .hero h1{font-size:34px;}
  nav ul{display:none;}
  .footer-wrap{grid-template-columns:1fr;}
}