:root{
      --theme:#0B3D91;
      --template-theme:{主题色};
      --theme-dark:#072b68;
      --theme-soft:#eaf1fb;
      --ink:#18243a;
      --muted:#60708a;
      --line:#dbe3ee;
      --surface:#ffffff;
      --page:#f4f7fb;
      --accent:#35a88b;
      --shadow:0 12px 32px rgba(23,45,79,.10);
      --radius:8px;
    }
    *{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{margin:0;background:var(--page);color:var(--ink);font-family:"Microsoft YaHei","PingFang SC",Arial,sans-serif;line-height:1.65}
    body,a,button,input{font:inherit}
    a{color:inherit;text-decoration:none}
    img{display:block;max-width:100%}
    button{color:inherit}
    .container{width:min(1180px,calc(100% - 40px));margin:0 auto}
    .topbar{background:#10233f;color:#d9e4f2;font-size:13px}
    .topbar .container{min-height:36px;display:flex;align-items:center;justify-content:space-between;gap:20px}
    .topbar a{margin-left:20px;color:#d9e4f2}
    .topbar a:hover{color:#fff}
    .header{position:relative;z-index:30;background:#fff;border-bottom:1px solid var(--line)}
    .header-inner{height:76px;display:flex;align-items:center;gap:28px}
    .logo{display:flex;align-items:center;gap:10px;min-width:176px;font-weight:800;color:var(--theme)}
    .logo img{width:42px;height:42px;object-fit:contain}
    .logo span{max-width:160px;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
    .main-nav{align-self:stretch;flex:1}
    .nav-list{height:100%;display:flex;align-items:stretch;justify-content:center;gap:2px;margin:0;padding:0;list-style:none}
    .nav-item{position:relative;display:flex;align-items:center}
    .nav-link{height:100%;display:flex;align-items:center;padding:0 13px;font-size:15px;font-weight:600;white-space:nowrap;border-bottom:3px solid transparent}
    .nav-link:hover,.nav-item:focus-within>.nav-link{color:var(--theme);border-color:var(--theme)}
    .has-arrow::after{content:"";width:6px;height:6px;margin:0 0 4px 8px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg)}
    .dropdown-panel,.mega-menu{position:absolute;top:100%;left:0;z-index:40;visibility:hidden;opacity:0;transform:translateY(8px);transition:.18s ease;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow)}
    .dropdown-panel::before,.mega-menu::before{content:"";position:absolute;right:0;bottom:100%;left:0;height:10px}
    .nav-item:hover>.dropdown-panel,.nav-item:hover>.mega-menu,.nav-item:focus-within>.dropdown-panel,.nav-item:focus-within>.mega-menu{visibility:visible;opacity:1;transform:none}
    .dropdown-panel{width:280px;padding:10px;border-radius:0 0 var(--radius) var(--radius)}
    .dropdown-panel a{display:block;padding:10px 12px;border-radius:6px;color:#3b4a61;font-size:14px}
    .dropdown-panel a:hover{background:var(--theme-soft);color:var(--theme)}
    .mega-menu{left:50%;width:min(850px,calc(100vw - 48px));padding:20px;border-radius:0 0 var(--radius) var(--radius);transform:translate(-50%,8px)}
    .nav-item:hover>.mega-menu,.nav-item:focus-within>.mega-menu{transform:translate(-50%,0)}
    .mega-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
    .mega-card{min-width:0;display:grid;grid-template-columns:44px minmax(0,1fr);gap:3px 10px;align-items:center;padding:11px;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
    .mega-card:hover{border-color:#9bb5da;background:#f7faff}
    .mega-card img{grid-row:1/4;width:44px;height:44px;object-fit:contain;border-radius:6px;background:#edf2f8}
    .mega-card strong,.mega-card small{min-width:0;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
    .mega-card strong{font-size:14px}
    .mega-card small{color:var(--muted);font-size:12px}
    .mega-footer{display:block;margin-top:14px;padding:10px;text-align:center;border-radius:6px;background:var(--theme-soft);color:var(--theme);font-weight:700}
    .header-btns{display:flex;align-items:center;gap:9px;white-space:nowrap}
    .member-link{color:var(--theme);font-weight:700}
    .open-account{padding:9px 15px;border-radius:6px;background:var(--theme);color:#fff;font-weight:700}
    .open-account:hover{background:var(--theme-dark)}
    .hamburger{display:none;width:42px;height:42px;padding:9px;border:1px solid var(--line);border-radius:6px;background:#fff;cursor:pointer}
    .hamburger span{display:block;width:100%;height:2px;margin:5px 0;background:var(--ink);transition:.2s}
    .hamburger.active span:first-child{transform:translateY(7px) rotate(45deg)}
    .hamburger.active span:nth-child(2){opacity:0}
    .hamburger.active span:last-child{transform:translateY(-7px) rotate(-45deg)}
    .drawer-overlay{position:fixed;inset:0;z-index:80;visibility:hidden;opacity:0;background:rgba(8,18,34,.55);transition:.22s}
    .drawer-overlay.open{visibility:visible;opacity:1}
    .mobile-drawer{position:fixed;top:0;right:0;z-index:90;width:min(390px,90vw);height:100vh;overflow-y:auto;background:#fff;transform:translateX(100%);transition:.25s ease;box-shadow:-16px 0 40px rgba(8,18,34,.18)}
    .mobile-drawer.open{transform:none}
    .drawer-head{min-height:70px;display:flex;align-items:center;gap:14px;padding:14px 18px;border-bottom:1px solid var(--line);color:var(--theme);font-weight:700}
    .drawer-head>a{margin-left:auto;padding:7px 13px;border-radius:6px;background:var(--theme);color:#fff}
    .drawer-close{width:38px;height:38px;border:0;background:transparent;font-size:28px;line-height:1;cursor:pointer}
    .drawer-menu{padding:12px 18px 28px}
    .drawer-link,.drawer-toggle{width:100%;display:flex;align-items:center;justify-content:space-between;padding:13px 4px;border:0;border-bottom:1px solid var(--line);background:none;text-align:left;font-weight:700;cursor:pointer}
    .drawer-toggle::after{content:"+";font-size:20px;font-weight:400}
    .drawer-toggle.active::after{content:"−"}
    .drawer-submenu{display:none;padding:7px 0 9px 14px;border-bottom:1px solid var(--line)}
    .drawer-submenu.open{display:block}
    .drawer-submenu a{display:block;padding:8px;color:var(--muted);font-size:14px}
    .drawer-submenu a:hover{color:var(--theme)}
    .tools-page{min-height:650px}
    .tools-page .tools-intro{padding:58px 0 44px;background:linear-gradient(180deg,#e9f1fc 0%,#f4f7fb 100%);border-bottom:1px solid var(--line)}
    .tools-page .breadcrumb{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:18px;color:var(--muted);font-size:14px}
    .tools-page .breadcrumb a:hover{color:var(--theme)}
    .tools-page .eyebrow{display:inline-flex;align-items:center;gap:8px;margin-bottom:10px;color:var(--theme);font-size:14px;font-weight:800}
    .tools-page .eyebrow::before{content:"";width:24px;height:3px;background:var(--accent)}
    .tools-page h1{max-width:780px;margin:0 0 12px;font-size:clamp(32px,5vw,52px);line-height:1.18;letter-spacing:0}
    .tools-page .lead{max-width:760px;margin:0;color:var(--muted);font-size:17px}
    .tools-page .tool-nav{display:flex;flex-wrap:wrap;gap:10px;margin-top:25px}
    .tools-page .tool-nav a{padding:8px 14px;border:1px solid #c8d6e8;border-radius:6px;background:rgba(255,255,255,.72);color:#31435e;font-size:14px;font-weight:700}
    .tools-page .tool-nav a:first-child,.tools-page .tool-nav a:hover{border-color:var(--theme);background:var(--theme);color:#fff}
    .tools-page .tools-section{padding:50px 0 64px}
    .tools-page .section-head{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:24px}
    .tools-page .section-head h2{margin:0 0 4px;font-size:27px;letter-spacing:0}
    .tools-page .section-head p{margin:0;color:var(--muted)}
    .tools-page .section-count{flex:none;padding:7px 12px;border-radius:6px;background:#e5f4ef;color:#23745f;font-size:13px;font-weight:800}
    .tools-page .tools-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
    .tools-page .tool-card{min-width:0;display:flex;flex-direction:column;padding:22px;border:1px solid var(--line);border-radius:var(--radius);background:var(--surface);box-shadow:0 6px 18px rgba(23,45,79,.06);transition:transform .2s,border-color .2s,box-shadow .2s}
    .tools-page .tool-card:hover{transform:translateY(-4px);border-color:#9db7dc;box-shadow:var(--shadow)}
    .tools-page .tool-card-head{display:flex;align-items:center;gap:14px;margin-bottom:14px}
    .tools-page .tool-icon{width:56px;height:56px;flex:none;display:grid;place-items:center;border-radius:8px;background:var(--theme-soft);border:1px solid #d5e2f4}
    .tools-page .tool-icon img{width:34px;height:34px;object-fit:contain}
    .tools-page .tool-card h2{min-width:0;margin:0;font-size:19px;line-height:1.35;letter-spacing:0}
    .tools-page .tool-card p{flex:1;margin:0 0 20px;color:var(--muted);font-size:14px}
    .tools-page .tool-link{display:flex;align-items:center;justify-content:space-between;padding-top:14px;border-top:1px solid var(--line);color:var(--theme);font-weight:800}
    .tools-page .tool-link::after{content:"→";font-size:19px}
    .tools-page .tool-card:hover .tool-link::after{transform:translateX(3px)}
    .tools-page .tools-note{margin-top:28px;padding:20px 22px;border-left:4px solid var(--accent);border-radius:0 var(--radius) var(--radius) 0;background:#fff;color:var(--muted)}
    .tools-page .tools-note strong{display:block;margin-bottom:3px;color:var(--ink)}
    .tools-page .process-band{padding:48px 0;background:#10233f;color:#fff}
    .tools-page .process-band h2{margin:0 0 24px;font-size:26px;letter-spacing:0}
    .tools-page .process-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
    .tools-page .process-item{position:relative;padding-left:58px}
    .tools-page .process-number{position:absolute;top:0;left:0;width:42px;height:42px;display:grid;place-items:center;border:1px solid #58708f;border-radius:8px;color:#83d8c1;font-weight:800}
    .tools-page .process-item h3{margin:0 0 5px;font-size:17px}
    .tools-page .process-item p{margin:0;color:#b9c8db;font-size:14px}
    .footer{padding:52px 0 0;background:#0b1729;color:#c5d1df}
    .footer-grid{display:grid;grid-template-columns:1.45fr 1fr 1fr 1fr;gap:42px}
    .footer h3,.footer-brand strong{display:block;margin:0 0 15px;color:#fff;font-size:16px}
    .footer-brand strong{font-size:22px}
    .footer p{margin:6px 0;font-size:14px}
    .footer-grid>div>a{display:block;padding:4px 0;color:#c5d1df;font-size:14px}
    .footer-grid>div>a:hover{color:#fff}
    .footer-bottom{display:flex;justify-content:space-between;gap:24px;margin-top:38px;padding:20px 0;border-top:1px solid #26364d;color:#90a1b7;font-size:13px}
    @media (max-width:1080px){
      .main-nav{display:none}
      .hamburger{display:block}
      .header-inner{gap:14px}
      .header-btns{margin-left:auto}
      .tools-page .tools-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
    }
    @media (max-width:760px){
      .container{width:min(100% - 28px,1180px)}
      .topbar .container{padding:7px 0;align-items:flex-start;flex-direction:column;gap:1px}
      .topbar a{margin:0 14px 0 0}
      .header-inner{height:68px}
      .logo{min-width:0}
      .logo img{width:38px;height:38px}
      .logo span{max-width:130px}
      .member-link,.open-account{display:none}
      .tools-page .tools-intro{padding:40px 0 34px}
      .tools-page h1{font-size:34px}
      .tools-page .lead{font-size:15px}
      .tools-page .tools-section{padding:38px 0 48px}
      .tools-page .section-head{align-items:flex-start;flex-direction:column;gap:10px}
      .tools-page .tools-grid,.tools-page .process-grid{grid-template-columns:1fr}
      .tools-page .tool-card{padding:19px}
      .footer-grid{grid-template-columns:1fr 1fr;gap:30px}
      .footer-bottom{flex-direction:column}
    }
    @media (max-width:480px){
      .tools-page .tools-grid,.footer-grid{grid-template-columns:1fr}
      .footer{padding-top:40px}
    }