:root{
      --primary:#0B3D91;
      --primary-dark:#072b68;
      --primary-soft:#eaf1fc;
      --accent:#2f9e72;
      --ink:#172033;
      --muted:#657087;
      --line:#dfe5ee;
      --surface:#ffffff;
      --background:#f5f7fa;
      --radius:18px;
      --shadow:0 16px 42px rgba(20,39,73,.11);
    }
    *{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{
      margin:0;
      color:var(--ink);
      background:var(--background);
      font-family:"Microsoft YaHei","PingFang SC","Noto Sans CJK SC",Arial,sans-serif;
      line-height:1.65;
    }
    body,button,input{font:inherit}
    img{display:block;max-width:100%}
    a{color:inherit;text-decoration:none}
    button{color:inherit}
    .container{width:min(1180px,calc(100% - 40px));margin:0 auto}

    .topbar{
      color:#dbe7fb;
      background:#071d43;
      font-size:13px;
    }
    .topbar .container{
      min-height:36px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:20px;
    }
    .topbar-links{display:flex;align-items:center;gap:20px}
    .topbar a{transition:color .2s ease}
    .topbar a:hover{color:#fff}

    .header{
      position:relative;
      z-index:100;
      background:rgba(255,255,255,.98);
      border-bottom:1px solid var(--line);
      box-shadow:0 5px 22px rgba(20,39,73,.05);
    }
    .header-inner{
      min-height:78px;
      display:flex;
      align-items:center;
      gap:26px;
    }
    .logo{
      min-width:180px;
      display:flex;
      align-items:center;
      gap:11px;
      color:var(--primary);
      font-weight:800;
      font-size:18px;
    }
    .logo img{
      width:42px;
      height:42px;
      object-fit:contain;
    }
    .main-nav{margin-left:auto;align-self:stretch}
    .nav-list{
      height:100%;
      display:flex;
      align-items:stretch;
      gap:2px;
      margin:0;
      padding:0;
      list-style:none;
    }
    .nav-item{
      position:relative;
      display:flex;
      align-items:stretch;
    }
    .nav-link{
      display:flex;
      align-items:center;
      padding:0 12px;
      color:#303a4d;
      font-size:15px;
      font-weight:650;
      white-space:nowrap;
      transition:color .2s ease,background .2s ease;
    }
    .nav-link:hover,
    .nav-item:focus-within>.nav-link,
    .nav-item:hover>.nav-link{
      color:var(--primary);
      background:var(--primary-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);
    }
    .dropdown-panel,
    .mega-menu{
      position:absolute;
      top:100%;
      left:50%;
      z-index:120;
      visibility:hidden;
      opacity:0;
      transform:translate(-50%,10px);
      pointer-events:none;
      background:#fff;
      border:1px solid var(--line);
      border-radius:0 0 18px 18px;
      box-shadow:var(--shadow);
      transition:opacity .18s ease,transform .18s ease,visibility .18s ease;
    }
    .dropdown-panel::before,
    .mega-menu::before{
      position:absolute;
      right:0;
      bottom:100%;
      left:0;
      height:10px;
      content:"";
    }
    .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;
    }
    .dropdown-panel{
      width:330px;
      padding:20px;
    }
    .dropdown-title,
    .mega-heading{
      margin:0 0 13px;
      color:var(--primary);
      font-size:14px;
      font-weight:800;
    }
    .dropdown-list{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:8px;
    }
    .dropdown-panel .dropdown-list{grid-template-columns:1fr}
    .dropdown-list a{
      min-width:0;
      padding:9px 11px;
      overflow:hidden;
      color:#475166;
      background:#f6f8fb;
      border-radius:9px;
      text-overflow:ellipsis;
      white-space:nowrap;
      font-size:13px;
    }
    .dropdown-list a:hover{color:var(--primary);background:var(--primary-soft)}
    .mega-menu{
      width:min(880px,calc(100vw - 40px));
      padding:22px;
    }
    .nav-item:nth-last-child(-n+3) .mega-menu{
      left:auto;
      right:0;
      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);
    }
    .mega-grid{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:12px;
    }
    .mega-card{
      min-width:0;
      min-height:110px;
      display:grid;
      grid-template-columns:48px minmax(0,1fr);
      align-content:start;
      gap:4px 11px;
      padding:13px;
      border:1px solid #e5e9f0;
      border-radius:12px;
      transition:border-color .2s ease,box-shadow .2s ease,transform .2s ease;
    }
    .mega-card:hover{
      border-color:#b6caeb;
      box-shadow:0 9px 20px rgba(11,61,145,.09);
      transform:translateY(-2px);
    }
    .mega-card img{
      grid-row:1/5;
      width:48px;
      height:48px;
      object-fit:contain;
      border-radius:9px;
      background:#f4f6f9;
    }
    .mega-card strong{
      min-width:0;
      overflow:hidden;
      color:#263044;
      text-overflow:ellipsis;
      white-space:nowrap;
      font-size:14px;
    }
    .mega-card small{
      min-width:0;
      overflow:hidden;
      color:var(--muted);
      text-overflow:ellipsis;
      white-space:nowrap;
      font-size:12px;
    }
    .mega-footer{
      display:block;
      margin-top:16px;
      padding-top:13px;
      color:var(--primary);
      border-top:1px solid var(--line);
      text-align:right;
      font-size:14px;
      font-weight:750;
    }
    .header-btns{
      display:flex;
      align-items:center;
      gap:9px;
    }
    .member-link,
    .open-account{
      display:inline-flex;
      min-height:40px;
      align-items:center;
      justify-content:center;
      padding:0 15px;
      border-radius:9px;
      font-size:14px;
      font-weight:750;
      white-space:nowrap;
    }
    .member-link{color:var(--primary);border:1px solid #bdcce5}
    .open-account{color:#fff;background:var(--primary)}
    .member-link:hover{background:var(--primary-soft)}
    .open-account:hover{background:var(--primary-dark)}
    .hamburger{
      width:42px;
      height:42px;
      display:none;
      padding:9px;
      border:0;
      border-radius:9px;
      background:var(--primary-soft);
      cursor:pointer;
    }
    .hamburger span{
      width:100%;
      height:2px;
      display:block;
      margin:5px 0;
      background:var(--primary);
      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:800;
      visibility:hidden;
      opacity:0;
      background:rgba(5,15,34,.6);
      transition:opacity .25s ease,visibility .25s ease;
    }
    .drawer-overlay.open{visibility:visible;opacity:1}
    .mobile-drawer{
      position:fixed;
      top:0;
      right:0;
      bottom:0;
      z-index:810;
      width:min(390px,90vw);
      overflow-y:auto;
      background:#fff;
      box-shadow:-18px 0 45px rgba(0,0,0,.18);
      transform:translateX(105%);
      transition:transform .25s ease;
    }
    .mobile-drawer.open{transform:translateX(0)}
    .drawer-head{
      min-height:72px;
      display:flex;
      align-items:center;
      gap:12px;
      padding:14px 18px;
      color:#fff;
      background:var(--primary);
    }
    .drawer-head>a{
      padding:7px 10px;
      border:1px solid rgba(255,255,255,.34);
      border-radius:8px;
      font-size:14px;
    }
    .drawer-close{
      width:38px;
      height:38px;
      margin-left:auto;
      padding:0;
      color:#fff;
      background:transparent;
      border:0;
      font-size:29px;
      cursor:pointer;
    }
    .drawer-menu{padding:13px 18px 28px}
    .drawer-link,
    .drawer-toggle{
      width:100%;
      min-height:48px;
      display:flex;
      align-items:center;
      padding:9px 4px;
      background:transparent;
      border:0;
      border-bottom:1px solid var(--line);
      text-align:left;
      font-weight:700;
      cursor:pointer;
    }
    .drawer-toggle::after{
      margin-left:auto;
      content:"+";
      color:var(--primary);
      font-size:20px;
    }
    .drawer-toggle.active::after{content:"−"}
    .drawer-submenu{
      max-height:0;
      overflow:hidden;
      background:#f7f9fc;
      transition:max-height .3s ease;
    }
    .drawer-submenu.open{max-height:720px}
    .drawer-submenu a{
      display:block;
      padding:10px 14px;
      color:#526078;
      border-bottom:1px solid #e6ebf2;
      font-size:14px;
    }

    .tools-page{overflow:hidden}
    .tools-page .tools-hero{
      position:relative;
      isolation:isolate;
      padding:82px 0 72px;
      overflow:hidden;
      color:#fff;
      background:
        radial-gradient(circle at 12% 18%,rgba(81,146,246,.4),transparent 29%),
        radial-gradient(circle at 86% 76%,rgba(47,158,114,.25),transparent 28%),
        linear-gradient(135deg,#071d43 0%,#0B3D91 58%,#154f9e 100%);
    }
    .tools-page .tools-hero::before{
      position:absolute;
      inset:0;
      z-index:-1;
      content:"";
      opacity:.24;
      background-image:
        linear-gradient(rgba(255,255,255,.09) 1px,transparent 1px),
        linear-gradient(90deg,rgba(255,255,255,.09) 1px,transparent 1px);
      background-size:42px 42px;
      mask-image:linear-gradient(to bottom,#000,transparent);
    }
    .tools-page .hero-copy{
      max-width:790px;
      margin:0 auto;
      text-align:center;
    }
    .tools-page .eyebrow{
      display:inline-flex;
      align-items:center;
      gap:8px;
      margin-bottom:18px;
      padding:6px 13px;
      color:#dce9ff;
      background:rgba(255,255,255,.1);
      border:1px solid rgba(255,255,255,.2);
      border-radius:999px;
      font-size:13px;
      font-weight:700;
    }
    .tools-page .eyebrow::before{
      width:8px;
      height:8px;
      content:"";
      background:#64d6a7;
      border-radius:50%;
      box-shadow:0 0 0 5px rgba(100,214,167,.15);
    }
    .tools-page h1{
      margin:0;
      font-size:clamp(36px,5vw,62px);
      line-height:1.13;
      letter-spacing:-1.5px;
    }
    .tools-page .hero-copy>p{
      max-width:680px;
      margin:22px auto 0;
      color:#dbe6f8;
      font-size:17px;
    }
    .tools-page .hero-actions{
      display:flex;
      justify-content:center;
      flex-wrap:wrap;
      gap:12px;
      margin-top:28px;
    }
    .tools-page .hero-button{
      min-height:46px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      padding:0 20px;
      color:var(--primary);
      background:#fff;
      border-radius:10px;
      font-weight:800;
    }
    .tools-page .hero-button.secondary{
      color:#fff;
      background:rgba(255,255,255,.1);
      border:1px solid rgba(255,255,255,.3);
    }
    .tools-page .tool-highlights{
      position:relative;
      z-index:3;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
      margin-top:-31px;
    }
    .tools-page .highlight-card{
      padding:19px;
      background:#fff;
      border:1px solid var(--line);
      border-radius:14px;
      box-shadow:0 12px 28px rgba(19,39,72,.09);
    }
    .tools-page .highlight-card strong{
      display:block;
      color:var(--primary);
      font-size:16px;
    }
    .tools-page .highlight-card span{
      display:block;
      margin-top:4px;
      color:var(--muted);
      font-size:13px;
    }
    .tools-page .tools-section{padding:76px 0}
    .tools-page .section-heading{
      display:flex;
      align-items:end;
      justify-content:space-between;
      gap:24px;
      margin-bottom:30px;
    }
    .tools-page .section-heading h2{
      margin:0;
      color:#17243c;
      font-size:clamp(27px,3vw,38px);
      line-height:1.2;
    }
    .tools-page .section-heading p{
      max-width:620px;
      margin:8px 0 0;
      color:var(--muted);
    }
    .tools-page .section-badge{
      flex:0 0 auto;
      padding:7px 12px;
      color:var(--primary);
      background:var(--primary-soft);
      border-radius:999px;
      font-size:13px;
      font-weight:800;
    }
    .tools-page .category-strip{
      display:flex;
      flex-wrap:wrap;
      gap:10px;
      margin-bottom:27px;
    }
    .tools-page .category-chip{
      padding:9px 15px;
      color:#445169;
      background:#fff;
      border:1px solid var(--line);
      border-radius:999px;
      font-size:14px;
      font-weight:700;
    }
    .tools-page .category-chip:first-child{
      color:#fff;
      background:var(--primary);
      border-color:var(--primary);
    }
    .tools-page .tools-grid{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:20px;
    }
    .tools-page .tool-card{
      min-width:0;
      display:flex;
      flex-direction:column;
      padding:25px;
      background:#fff;
      border:1px solid var(--line);
      border-radius:var(--radius);
      box-shadow:0 8px 25px rgba(28,47,79,.055);
      transition:transform .22s ease,border-color .22s ease,box-shadow .22s ease;
    }
    .tools-page .tool-card:hover{
      border-color:#b8cbea;
      box-shadow:0 17px 38px rgba(11,61,145,.12);
      transform:translateY(-5px);
    }
    .tools-page .tool-card-top{
      display:flex;
      align-items:center;
      gap:15px;
    }
    .tools-page .tool-icon-wrap{
      width:62px;
      height:62px;
      flex:0 0 62px;
      display:grid;
      place-items:center;
      padding:10px;
      background:var(--primary-soft);
      border-radius:15px;
    }
    .tools-page .tool-icon-wrap img{
      width:42px;
      height:42px;
      object-fit:contain;
    }
    .tools-page .tool-card h3{
      min-width:0;
      margin:0;
      color:#1c2940;
      font-size:19px;
      line-height:1.35;
    }
    .tools-page .tool-card p{
      min-height:78px;
      margin:18px 0 22px;
      color:var(--muted);
      font-size:14px;
    }
    .tools-page .tool-link{
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:12px;
      margin-top:auto;
      padding-top:16px;
      color:var(--primary);
      border-top:1px solid #e8ecf2;
      font-weight:800;
    }
    .tools-page .tool-link span:last-child{
      width:30px;
      height:30px;
      display:grid;
      place-items:center;
      background:var(--primary-soft);
      border-radius:50%;
      transition:transform .2s ease;
    }
    .tools-page .tool-card:hover .tool-link span:last-child{transform:translateX(3px)}
    .tools-page .workflow-section{
      padding:75px 0;
      background:#eef3f9;
      border-top:1px solid #e0e7f0;
      border-bottom:1px solid #e0e7f0;
    }
    .tools-page .workflow-grid{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:18px;
      margin-top:31px;
      counter-reset:workflow;
    }
    .tools-page .workflow-card{
      position:relative;
      padding:24px;
      background:#fff;
      border-radius:15px;
      counter-increment:workflow;
    }
    .tools-page .workflow-card::before{
      width:38px;
      height:38px;
      display:grid;
      place-items:center;
      margin-bottom:16px;
      color:#fff;
      background:var(--primary);
      border-radius:11px;
      content:counter(workflow,decimal-leading-zero);
      font-size:13px;
      font-weight:800;
    }
    .tools-page .workflow-card h3{margin:0 0 8px;font-size:17px}
    .tools-page .workflow-card p{margin:0;color:var(--muted);font-size:14px}
    .tools-page .risk-panel{
      display:grid;
      grid-template-columns:1fr 1fr;
      gap:34px;
      align-items:center;
      margin:76px auto;
      padding:42px;
      color:#fff;
      background:linear-gradient(135deg,#132138,#0b3d91);
      border-radius:24px;
      box-shadow:var(--shadow);
    }
    .tools-page .risk-panel h2{
      margin:0;
      font-size:clamp(26px,3vw,38px);
      line-height:1.25;
    }
    .tools-page .risk-panel p{margin:14px 0 0;color:#d7e2f4}
    .tools-page .risk-list{
      display:grid;
      gap:11px;
      margin:0;
      padding:0;
      list-style:none;
    }
    .tools-page .risk-list li{
      position:relative;
      padding:12px 14px 12px 42px;
      background:rgba(255,255,255,.09);
      border:1px solid rgba(255,255,255,.12);
      border-radius:11px;
    }
    .tools-page .risk-list li::before{
      position:absolute;
      top:13px;
      left:15px;
      color:#73dfb2;
      content:"✓";
      font-weight:900;
    }

    .footer{
      padding:62px 0 0;
      color:#ccd7e8;
      background:#07182f;
    }
    .footer-grid{
      display:grid;
      grid-template-columns:1.35fr 1fr 1fr 1.05fr;
      gap:42px;
    }
    .footer h3{
      margin:0 0 17px;
      color:#fff;
      font-size:16px;
    }
    .footer p{margin:7px 0;color:#aebbd0;font-size:14px}
    .footer-brand h3{color:#fff;font-size:21px}
    .footer-links{display:grid;gap:9px}
    .footer-links a,
    .footer a{transition:color .2s ease}
    .footer-links a{color:#b8c5d8;font-size:14px}
    .footer a:hover{color:#fff}
    .footer-bottom{
      margin-top:42px;
      padding:20px 0;
      color:#98a7bc;
      border-top:1px solid rgba(255,255,255,.1);
      text-align:center;
      font-size:13px;
    }

    @media (max-width:1120px){
      .main-nav{display:none}
      .hamburger{display:block}
      .header-btns{margin-left:auto}
      .tools-page .tools-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
    }
    @media (max-width:820px){
      .container{width:min(100% - 28px,1180px)}
      .topbar .container{padding:8px 0;align-items:flex-start}
      .topbar-links{display:grid;gap:1px;text-align:right}
      .header-inner{min-height:68px}
      .logo{min-width:0}
      .logo span{max-width:180px;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
      .member-link{display:none}
      .tools-page .tools-hero{padding:64px 0 60px}
      .tools-page .tool-highlights{grid-template-columns:repeat(2,minmax(0,1fr))}
      .tools-page .section-heading{align-items:flex-start;flex-direction:column}
      .tools-page .workflow-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
      .tools-page .risk-panel{grid-template-columns:1fr;padding:30px}
      .footer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
    }
    @media (max-width:560px){
      .topbar .container{display:block;text-align:center}
      .topbar-links{display:none}
      .logo img{width:36px;height:36px}
      .logo span{max-width:128px;font-size:16px}
      .open-account{display:none}
      .tools-page .tools-hero{padding:52px 0 55px}
      .tools-page .hero-copy>p{font-size:15px}
      .tools-page .hero-actions{display:grid}
      .tools-page .hero-button{width:100%}
      .tools-page .tool-highlights,
      .tools-page .tools-grid,
      .tools-page .workflow-grid,
      .footer-grid{grid-template-columns:1fr}
      .tools-page .tool-highlights{margin-top:-20px}
      .tools-page .tools-section,
      .tools-page .workflow-section{padding:58px 0}
      .tools-page .tool-card p{min-height:0}
      .tools-page .risk-panel{margin:58px auto;padding:25px 20px;border-radius:18px}
      .footer{padding-top:48px}
      .footer-grid{gap:30px}
    }