:root{--primary:#0a2e5c;--primary-dark:#061c3a;--primary-light:#1b4a8c;--accent:#d4a017;--accent-dark:#a67d0f;--teal:#138f82;--teal-dark:#0e6d64;--text:#1a202c;--text-muted:#4a5568;--text-light:#6b7685;--bg:#ffffff;--bg-alt:#f4f7fb;--bg-dark:#0a2e5c;--border:#e2e8f0;--success:#138f82;--shadow-sm:0 2px 4px rgba(10, 46, 92, 0.06);--shadow-md:0 4px 12px rgba(10, 46, 92, 0.1);--shadow-lg:0 12px 32px rgba(10, 46, 92, 0.14);--radius-sm:6px;--radius:12px;--radius-lg:20px;--container:1200px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:pingfang sc,microsoft yahei,noto sans sc,helvetica neue,Helvetica,Arial,sans-serif;color:var(--text);background:var(--bg);line-height:1.7;font-size:16px;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}img{max-width:100%;height:auto;display:block}a{color:var(--primary);text-decoration:none;transition:color .2s}a:hover{color:var(--accent)}p{margin:0 0 1em}h1,h2,h3,h4,h5{margin:0 0 .6em;color:var(--primary-dark);font-weight:700;line-height:1.3}h1{font-size:clamp(1.9rem,4.4vw,3rem)}h2{font-size:clamp(1.5rem,3.2vw,2.25rem)}h3{font-size:clamp(1.15rem,2vw,1.4rem)}.container{width:100%;max-width:var(--container);margin:0 auto;padding:0 20px}.skip-link{position:absolute;left:-9999px;top:0;background:var(--primary);color:#fff;padding:12px 20px;z-index:9999;font-weight:700}.skip-link:focus{left:0;color:#fff;outline:3px solid var(--accent)}:focus-visible{outline:3px solid var(--accent);outline-offset:2px}.site-header{position:sticky;top:0;z-index:100;background:#fff;border-bottom:1px solid var(--border);min-height:76px;box-shadow:0 2px 8px rgba(0,0,0,4%)}.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:14px 20px;max-width:var(--container);margin:0 auto;min-height:76px}.brand{display:flex;align-items:center;gap:12px;font-weight:800;color:var(--primary-dark)}.brand img{height:44px;width:auto}.main-nav{display:flex;align-items:center;gap:4px}.main-nav ul{display:flex;list-style:none;margin:0;padding:0;gap:2px}.main-nav a{display:inline-block;padding:10px 14px;color:var(--text);font-weight:600;font-size:.95rem;border-radius:var(--radius-sm)}.main-nav a:hover,.main-nav a[aria-current=page]{color:var(--primary);background:var(--bg-alt)}.nav-cta{display:inline-flex;align-items:center;gap:8px;padding:10px 20px;background:var(--accent);color:#fff!important;border-radius:999px;font-weight:700;font-size:.95rem;transition:background .2s,transform .2s;white-space:nowrap}.nav-cta:hover{background:var(--accent-dark);color:#fff!important;transform:translateY(-1px)}.lang-switch{display:inline-flex;align-items:center;justify-content:center;height:40px;min-width:44px;padding:0 14px;border:2px solid var(--primary);border-radius:999px;color:var(--primary);font-weight:700;font-size:.88rem;letter-spacing:.5px;text-decoration:none;white-space:nowrap;transition:background .2s,color .2s}.lang-switch:hover{background:var(--primary);color:#fff}.lang-switch:focus-visible{outline:3px solid var(--accent);outline-offset:2px}.nav-toggle{display:none;background:0 0;border:2px solid var(--border);border-radius:var(--radius-sm);width:44px;height:44px;cursor:pointer;padding:0;color:var(--primary);align-items:center;justify-content:center}.nav-toggle span,.nav-toggle span::before,.nav-toggle span::after{content:"";display:block;width:22px;height:2px;background:currentColor;position:relative;transition:transform .2s}.nav-toggle span::before{position:absolute;top:-7px;width:22px}.nav-toggle span::after{position:absolute;top:7px;width:22px}.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 28px;background:var(--accent);color:#fff;border-radius:999px;font-weight:700;font-size:1rem;text-decoration:none;transition:background .2s,transform .2s,box-shadow .2s;border:2px solid transparent;cursor:pointer}.btn:hover{background:var(--accent-dark);color:#fff;transform:translateY(-2px);box-shadow:var(--shadow-md)}.btn-primary{background:var(--primary)}.btn-primary:hover{background:var(--primary-dark);color:#fff}.btn-outline{background:0 0;color:#fff;border-color:#fff}.btn-outline:hover{background:#fff;color:var(--primary);transform:translateY(-2px)}.btn-ghost{background:0 0;color:var(--primary);border-color:var(--primary)}.btn-ghost:hover{background:var(--primary);color:#fff}.btn-lg{padding:16px 36px;font-size:1.05rem}.hero{position:relative;background:linear-gradient(135deg,#0a2e5c 0%,#153c74 60%,#1b4a8c 100%);color:#fff;overflow:hidden;padding:80px 0 100px}.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at top right,rgba(212,160,23,.18),transparent 50%);pointer-events:none}.hero .container{display:grid;grid-template-columns:1.1fr 1fr;gap:64px;align-items:center;position:relative;z-index:1}.hero h1{color:#fff;font-size:clamp(2rem,4.8vw,3.2rem);letter-spacing:-.5px}.hero h1 .hl{color:var(--accent);display:inline-block}.hero p.lead{font-size:1.15rem;color:rgba(255,255,255,.88);margin-bottom:32px;max-width:560px}.hero-badges{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:28px}.hero-badges span{display:inline-flex;align-items:center;gap:6px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);color:#fff;padding:6px 14px;border-radius:999px;font-size:.85rem;font-weight:500}.hero-actions{display:flex;flex-wrap:wrap;gap:16px}.hero-image{position:relative;aspect-ratio:4/3;min-height:360px;border-radius:var(--radius-lg);overflow:hidden;box-shadow:0 30px 60px rgba(0,0,0,.3);border:6px solid rgba(255,255,255,8%);background:#0a2e5c}.hero-image img{width:100%;height:100%;object-fit:cover}.hero-image .float-card{position:absolute;bottom:24px;left:24px;background:#fff;color:var(--primary-dark);padding:16px 20px;border-radius:var(--radius);box-shadow:var(--shadow-lg);max-width:240px}.hero-image .float-card strong{display:block;color:var(--primary);font-size:1rem;margin-bottom:4px}.hero-image .float-card small{color:var(--text-muted);font-size:.8rem}.page-hero{background:linear-gradient(135deg,#0a2e5c 0%,#1b4a8c 100%);color:#fff;padding:72px 0 64px;text-align:center;position:relative}.page-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 30% 80%,rgba(212,160,23,.18),transparent 55%);pointer-events:none}.page-hero .container{position:relative;z-index:1}.page-hero h1{color:#fff;margin-bottom:12px}.page-hero p{color:rgba(255,255,255,.85);max-width:720px;margin:0 auto;font-size:1.1rem}.breadcrumb{display:inline-flex;gap:8px;color:rgba(255,255,255,.7);font-size:.9rem;margin-bottom:16px}.breadcrumb a{color:rgba(255,255,255,.9)}.breadcrumb a:hover{color:var(--accent)}section{padding:80px 0}.section-alt{background:var(--bg-alt)}.section-dark{background:var(--primary-dark);color:#fff}.section-dark h1,.section-dark h2,.section-dark h3{color:#fff}.section-dark p{color:rgba(255,255,255,.85)}.section-head{text-align:center;max-width:720px;margin:0 auto 56px}.section-head h2{margin-bottom:12px}.section-head p{color:var(--text-muted);font-size:1.08rem}.eyebrow{display:inline-block;font-size:.78rem;text-transform:uppercase;letter-spacing:2px;color:var(--accent-dark);font-weight:700;margin-bottom:12px}.trust-strip{background:var(--bg-alt);padding:40px 0;border-bottom:1px solid var(--border)}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center}.trust-grid .tnum{font-size:2rem;font-weight:800;color:var(--primary);display:block;line-height:1;margin-bottom:6px}.trust-grid .tlab{font-size:.9rem;color:var(--text-muted)}.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}.feature{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:32px 26px;transition:transform .25s,box-shadow .25s,border-color .25s}.feature:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:var(--primary-light)}.feature .ico{width:54px;height:54px;border-radius:14px;background:linear-gradient(135deg,var(--primary) 0%,var(--primary-light) 100%);color:#fff;display:inline-flex;align-items:center;justify-content:center;font-size:1.5rem;font-weight:800;margin-bottom:18px}.feature h3{margin-bottom:10px;font-size:1.2rem}.feature p{color:var(--text-muted);margin:0;font-size:.97rem}.service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}.service-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:transform .25s,box-shadow .25s}.service-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}.service-card .img-wrap{aspect-ratio:16/10;overflow:hidden;background:var(--bg-alt)}.service-card .img-wrap img{width:100%;height:100%;object-fit:cover;transition:transform .4s}.service-card:hover .img-wrap img{transform:scale(1.05)}.service-card .body{padding:24px 24px 28px;display:flex;flex-direction:column;gap:10px;flex:1}.service-card h3{margin:0;font-size:1.18rem}.service-card .tag{display:inline-block;background:rgba(19,143,130,.1);color:var(--teal-dark);font-size:.78rem;font-weight:600;padding:4px 10px;border-radius:4px;align-self:flex-start}.service-card p{color:var(--text-muted);font-size:.95rem;margin:0}.service-card .more{margin-top:auto;padding-top:16px;font-weight:700;color:var(--primary);text-decoration:underline;text-underline-offset:3px}.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}.split-img{border-radius:var(--radius-lg);overflow:hidden;aspect-ratio:4/3;min-height:320px;background:var(--bg-alt);box-shadow:var(--shadow-lg)}.split-img img{width:100%;height:100%;object-fit:cover}.split h2{margin-bottom:16px}.split ul.checklist{list-style:none;padding:0;margin:20px 0 28px}.split ul.checklist li{padding:8px 0 8px 34px;position:relative;color:var(--text)}.split ul.checklist li::before{content:"✓";position:absolute;left:0;top:8px;width:24px;height:24px;border-radius:50%;background:var(--teal);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.85rem;font-weight:800}.cta-banner{background:linear-gradient(135deg,var(--primary-dark) 0%,var(--primary) 60%,var(--primary-light) 100%);color:#fff;padding:64px 0;text-align:center;position:relative;overflow:hidden}.cta-banner::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 80% 50%,rgba(212,160,23,.22),transparent 55%)}.cta-banner .container{position:relative;z-index:1}.cta-banner h2{color:#fff;margin-bottom:14px}.cta-banner p{color:rgba(255,255,255,.9);max-width:640px;margin:0 auto 28px;font-size:1.08rem}.cta-banner .actions{display:inline-flex;flex-wrap:wrap;gap:16px;justify-content:center}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}.step{position:relative;text-align:center;padding:28px 20px;background:#fff;border:1px solid var(--border);border-radius:var(--radius)}.step-num{width:48px;height:48px;background:var(--primary);color:#fff;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;font-size:1.3rem;font-weight:800;margin:0 auto 14px}.step h3{font-size:1.08rem;margin-bottom:8px}.step p{color:var(--text-muted);font-size:.92rem;margin:0}.faq{max-width:860px;margin:0 auto}.faq details{background:#fff;border:1px solid var(--border);border-radius:var(--radius);margin-bottom:14px;padding:0 24px;transition:border-color .2s,box-shadow .2s}.faq details[open]{border-color:var(--primary-light);box-shadow:var(--shadow-sm)}.faq summary{padding:20px 36px 20px 0;cursor:pointer;font-weight:700;font-size:1.02rem;color:var(--primary-dark);position:relative;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary::after{content:"+";position:absolute;right:0;top:50%;transform:translateY(-50%);font-size:1.6rem;color:var(--primary);font-weight:400;transition:transform .2s;line-height:1}.faq details[open] summary::after{content:"−";color:var(--accent-dark)}.faq .ans{padding:0 0 20px;color:var(--text-muted);line-height:1.75}.faq .ans p:last-child{margin-bottom:0}.contact-layout{display:grid;grid-template-columns:1fr 1.1fr;gap:48px;align-items:start}.contact-info{background:var(--primary-dark);color:#fff;border-radius:var(--radius-lg);padding:40px 36px;position:relative;overflow:hidden}.contact-info::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 80% 10%,rgba(212,160,23,.2),transparent 50%);pointer-events:none}.contact-info h3{color:#fff;margin-bottom:6px}.contact-info p{color:rgba(255,255,255,.85)}.contact-info a{color:var(--accent);font-weight:600;text-decoration:underline;text-underline-offset:3px}.contact-info a:hover{color:#fff}.contact-list{list-style:none;padding:0;margin:28px 0 0;position:relative;z-index:1}.contact-list li{padding:16px 0;border-top:1px solid rgba(255,255,255,.15)}.contact-list li:first-child{border-top:0;padding-top:0}.contact-list .label{display:block;font-size:.78rem;text-transform:uppercase;letter-spacing:1.5px;color:var(--accent);margin-bottom:4px;font-weight:700}.contact-list .value{color:#fff;font-size:1.02rem;word-break:break-word}form.contact-form{background:#fff;padding:40px 36px;border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm)}form.contact-form h3{margin-bottom:20px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}.form-group{margin-bottom:18px}.form-group.full{grid-column:1/-1}label{display:block;font-weight:600;margin-bottom:6px;color:var(--primary-dark);font-size:.95rem}input,select,textarea{width:100%;padding:12px 14px;border:2px solid var(--border);border-radius:var(--radius-sm);font-size:1rem;font-family:inherit;color:var(--text);background:#fff;transition:border-color .2s}input:focus,select:focus,textarea:focus{outline:0;border-color:var(--primary);box-shadow:0 0 0 3px rgba(10,46,92,.1)}textarea{min-height:140px;resize:vertical}.feature-list{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:28px 0;list-style:none;padding:0}.feature-list li{background:#fff;border-left:4px solid var(--teal);padding:16px 20px;border-radius:var(--radius-sm);box-shadow:var(--shadow-sm)}.feature-list strong{display:block;color:var(--primary-dark);margin-bottom:4px}.feature-list small{color:var(--text-muted);font-size:.9rem}.loan-highlight{background:linear-gradient(135deg,#e8f0f9 0%,#f4f7fb 100%);border-radius:var(--radius-lg);padding:36px 32px;margin:40px 0;border:1px solid var(--border)}.loan-highlight h3{color:var(--primary-dark);margin-bottom:12px}.tbl-wrap{overflow-x:auto;margin:28px 0;border-radius:var(--radius);border:1px solid var(--border)}table.rates{width:100%;border-collapse:collapse;background:#fff;font-size:.96rem}table.rates caption{padding:14px 20px;background:var(--bg-alt);text-align:left;font-weight:700;color:var(--primary-dark);border-bottom:1px solid var(--border)}table.rates th,table.rates td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--border)}table.rates th{background:var(--bg-alt);color:var(--primary-dark);font-weight:700}table.rates tr:last-child td{border-bottom:0}.reveal{opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease;will-change:opacity,transform}.reveal.is-visible{opacity:1;transform:none}.site-footer{background:#08223f;color:rgba(255,255,255,.82);padding:60px 0 28px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px;margin-bottom:40px}.site-footer h4{color:#fff;font-size:1rem;margin-bottom:16px;letter-spacing:.5px}.site-footer p{color:rgba(255,255,255,.78);font-size:.92rem;line-height:1.7}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer ul li{margin-bottom:10px}.site-footer ul li a{color:rgba(255,255,255,.82);font-size:.92rem;transition:color .2s}.site-footer ul li a:hover{color:var(--accent)}.footer-brand img{height:48px;width:auto;margin-bottom:16px;filter:brightness(0)invert(1)}.footer-contact dt{font-weight:700;color:#fff;font-size:.9rem;margin-top:14px}.footer-contact dd{margin:0;color:rgba(255,255,255,.8);font-size:.92rem}.footer-contact dd a{color:var(--accent);text-decoration:underline;text-underline-offset:3px}.footer-contact dd a:hover{color:#fff}.footer-bottom{padding-top:28px;border-top:1px solid rgba(255,255,255,.12);display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:14px;font-size:.88rem;color:rgba(255,255,255,.72)}.footer-bottom a{color:rgba(255,255,255,.85);text-decoration:underline;text-underline-offset:3px}.footer-bottom a:hover{color:var(--accent)}.footer-legal-links{display:flex;gap:18px;flex-wrap:wrap}.powered a{color:var(--accent);font-weight:600}.compliance{background:rgba(0,0,0,.25);padding:18px 0;font-size:.82rem;color:rgba(255,255,255,.65);line-height:1.6}.compliance p{margin:0 0 6px;color:rgba(255,255,255,.65)}@media(max-width:1024px){.hero .container{grid-template-columns:1fr;gap:40px}.hero{padding:60px 0 80px}.hero-image{min-height:300px;max-width:560px;margin:0 auto}.split{grid-template-columns:1fr;gap:40px}.split-img{min-height:260px}.feature-grid,.service-grid{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(2,1fr)}.trust-grid{grid-template-columns:repeat(2,1fr);gap:20px}.contact-layout{grid-template-columns:1fr;gap:32px}.footer-grid{grid-template-columns:1fr 1fr;gap:32px}}@media(max-width:720px){section{padding:56px 0}.hero{padding:48px 0 64px}.nav-wrap{padding:12px 16px;min-height:64px}.site-header{min-height:64px}.brand img{height:36px}.main-nav{display:none}.main-nav.is-open{display:flex;position:absolute;top:64px;left:0;right:0;background:#fff;border-bottom:1px solid var(--border);padding:16px 20px;box-shadow:0 6px 18px rgba(0,0,0,8%)}.main-nav.is-open ul{flex-direction:column;width:100%;gap:2px}.main-nav.is-open a{padding:14px 16px;display:block;min-height:48px}.nav-toggle{display:inline-flex}.nav-cta{display:none}.lang-switch{height:36px;min-width:40px;padding:0 10px;font-size:.82rem}.feature-grid,.service-grid{grid-template-columns:1fr}.feature-list{grid-template-columns:1fr}.steps{grid-template-columns:1fr}.trust-grid{grid-template-columns:1fr 1fr}.form-row{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}form.contact-form,.contact-info{padding:28px 22px}.hero-image .float-card{left:16px;bottom:16px;padding:12px 16px;max-width:200px}.page-hero{padding:56px 0 48px}.footer-bottom{flex-direction:column;align-items:flex-start}}