/* SET1 root: centered corporate navy + gold */
:root {
  --ink: #102a43;
  --navy: #1a365d;
  --gold: #c9a227;
  --gold-d: #a68512;
  --paper: #f7f4ee;
  --card: #ffffff;
  --line: #d9cfc0;
  --muted: #5c6b7a;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Segoe UI", "PingFang SC", "Microsoft YaHei", sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.75;
  font-size: 16px;
}
a { color: var(--navy); }
img { max-width: 100%; }
.site-head {
  background: var(--navy);
  color: #fff;
  position: sticky;
  top: 0;
  z-index: 20;
  border-bottom: 3px solid var(--gold);
}
.site-head-inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 14px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.brand {
  font-weight: 700;
  font-size: 20px;
  letter-spacing: 0.04em;
  color: #fff;
  text-decoration: none;
}
.nav { display: flex; gap: 8px; flex-wrap: wrap; }
.nav a {
  color: #e8eef6;
  text-decoration: none;
  padding: 8px 14px;
  border-radius: 4px;
}
.nav a.current, .nav a:hover { background: rgba(255,255,255,0.12); color: #fff; }
.nav a.current { box-shadow: inset 0 -2px 0 var(--gold); }
.hero {
  background: linear-gradient(160deg, #102a43 0%, #243b53 60%, #1a365d 100%);
  color: #fff;
  text-align: center;
  padding: 72px 20px 80px;
}
.hero h1 {
  max-width: 860px;
  margin: 0 auto 18px;
  font-size: 34px;
  line-height: 1.35;
  font-weight: 700;
}
.hero .lead {
  max-width: 720px;
  margin: 0 auto 28px;
  color: #d9e2ec;
  font-size: 18px;
}
.btn {
  display: inline-block;
  background: var(--gold);
  color: #1a1404;
  text-decoration: none;
  font-weight: 700;
  padding: 14px 28px;
  border-radius: 6px;
  min-width: 200px;
  text-align: center;
}
.btn:hover { background: #dbb42c; }
.btn-ghost {
  display: inline-block;
  border: 1px solid #fff;
  color: #fff;
  text-decoration: none;
  padding: 12px 22px;
  border-radius: 6px;
  margin-left: 10px;
}
.wrap { max-width: 1100px; margin: 0 auto; padding: 48px 20px; }
h2 { font-size: 26px; color: var(--navy); margin: 0 0 16px; }
.sub { color: var(--muted); margin-bottom: 24px; }
.card-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 22px;
}
.card h3 { margin: 12px 0 8px; font-size: 18px; color: var(--navy); }
.icon { width: 36px; height: 36px; }
table {
  width: 100%;
  border-collapse: collapse;
  background: #fff;
}
th, td { border: 1px solid var(--line); padding: 10px 12px; text-align: left; }
th { background: var(--navy); color: #fff; }
tr:nth-child(even) td { background: #f3efe6; }
.steps { counter-reset: s; display: grid; gap: 12px; }
.steps li { list-style: none; background: #fff; border: 1px solid var(--line); padding: 14px 16px 14px 56px; position: relative; }
.steps li:before {
  counter-increment: s;
  content: counter(s);
  position: absolute; left: 14px; top: 14px;
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--gold); color: #1a1404; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
}
.reviews { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.review { background: #fff; border-left: 4px solid var(--gold); padding: 16px 18px; }
.news-item { background: #fff; border: 1px solid var(--line); padding: 16px 18px; margin-bottom: 12px; }
.news-item time { color: var(--muted); font-size: 13px; }
.faq dt { font-weight: 700; color: var(--navy); margin-top: 18px; }
.faq dd { margin: 8px 0 0; }
.cta-band {
  background: var(--navy);
  color: #fff;
  text-align: center;
  padding: 40px 20px;
}
.dl-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.dl-grid a.btn { width: 100%; }
.site-foot {
  background: #0b1d33;
  color: #c5d0dc;
  padding: 32px 20px 40px;
  font-size: 14px;
  line-height: 1.8;
}
.site-foot .wrap { padding-top: 0; padding-bottom: 0; }
.site-foot .brand { display: inline-block; margin-bottom: 10px; }
@media (max-width: 860px) {
  .card-row, .reviews, .dl-grid { grid-template-columns: 1fr; }
  .hero h1 { font-size: 26px; }
  .btn-ghost { margin: 10px 0 0; display: inline-block; }
}