:root {
  --c-navy:        #0F2547;
  --c-navy-mid:    #1A3460;
  --c-blue:        #1E4DB7;
  --c-blue-mid:    #2563EB;
  --c-teal:        #0891B2;
  --c-sky:         #0EA5E9;
  --c-gray-50:     #F8FAFC;
  --c-gray-100:    #F1F5F9;
  --c-gray-200:    #E2E8F0;
  --c-gray-300:    #CBD5E1;
  --c-gray-400:    #94A3B8;
  --c-gray-500:    #64748B;
  --c-gray-600:    #475569;
  --c-gray-700:    #334155;
  --c-gray-800:    #1E293B;
  --c-gray-900:    #0F172A;
  --c-white:       #FFFFFF;
  --c-green:       #16A34A;
  --c-green-bg:    #F0FDF4;
  --c-amber:       #D97706;
  --c-amber-bg:    #FFFBEB;
  --c-red:         #DC2626;
  --c-red-bg:      #FEF2F2;
  --c-blue-50:     #EFF6FF;
  --c-blue-100:    #DBEAFE;
  --c-blue-200:    #BFDBFE;
  --c-teal-50:     #F0FDFA;

  --color-primary:     var(--c-navy);
  --color-accent:      var(--c-blue-mid);
  --color-text:        var(--c-gray-900);
  --color-text-sec:    var(--c-gray-600);
  --color-border:      var(--c-gray-200);
  --color-surface:     var(--c-white);
  --color-surface-alt: var(--c-gray-50);

  --shadow-xs: 0 1px 2px rgba(15,37,71,.04);
  --shadow-sm: 0 1px 4px rgba(15,37,71,.06), 0 1px 2px rgba(15,37,71,.04);
  --shadow-md: 0 4px 16px rgba(15,37,71,.09), 0 2px 4px rgba(15,37,71,.05);
  --shadow-lg: 0 8px 28px rgba(15,37,71,.11), 0 4px 8px rgba(15,37,71,.06);
  --shadow-xl: 0 20px 48px rgba(15,37,71,.14);
  --shadow-img: 0 16px 48px rgba(15,37,71,.18);

  --r-xs:   3px;
  --r-sm:   6px;
  --r-md:   10px;
  --r-lg:   14px;
  --r-xl:   20px;
  --r-2xl:  28px;
  --r-full: 9999px;

  --container-w:   1240px;
  --container-px:  24px;
  --section-py:    88px;
  --nav-h:         64px;
  --notice-h:      36px;

  --font: -apple-system, "PingFang SC", "Microsoft YaHei UI", "Helvetica Neue", Arial, sans-serif;
  --font-mono: "SF Mono", "Consolas", "Menlo", monospace;
  --ease: cubic-bezier(.4,0,.2,1);
  --dur-fast: 160ms;
  --dur-mid:  260ms;
  --dur-slow: 400ms;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font);
  font-size: 15px;
  line-height: 1.7;
  color: var(--color-text);
  background: var(--color-surface);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; height: auto; }
ul, ol { list-style: none; }
button { font-family: var(--font); cursor: pointer; border: none; background: none; }
code {
  font-family: var(--font-mono);
  font-size: .9em;
  background: var(--c-blue-50);
  color: var(--c-blue-mid);
  padding: .1em .35em;
  border-radius: var(--r-xs);
}
.mt-16 { margin-top: 16px; }

.container {
  max-width: var(--container-w);
  margin: 0 auto;
  padding: 0 var(--container-px);
}
.section { padding: var(--section-py) 0; }
.bg-alt  { background: var(--c-gray-50); }
.bg-dark { background: var(--c-navy); }

.notice-bar {
  background: var(--c-navy);
  height: var(--notice-h);
  display: flex;
  align-items: center;
  overflow: hidden;
  position: sticky;
  top: 0;
  z-index: 200;
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.notice-bar.is-hidden { display: none; }
.notice-bar-inner {
  width: 100%;
  max-width: var(--container-w);
  margin: 0 auto;
  padding: 0 var(--container-px);
  display: flex;
  align-items: center;
  gap: 10px;
}
.notice-dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--c-green);
  flex-shrink: 0;
  box-shadow: 0 0 6px var(--c-green);
  animation: dotPulse 2s infinite;
}
@keyframes dotPulse { 0%,100%{opacity:1} 50%{opacity:.35} }
.notice-ticker {
  flex: 1; white-space: nowrap; overflow: hidden;
  font-size: 12px; color: rgba(255,255,255,.72); letter-spacing: .3px;
}
.notice-sep { margin: 0 12px; opacity: .3; }
.notice-close {
  color: rgba(255,255,255,.4); font-size: 18px; line-height: 1; padding: 2px 6px;
  transition: color var(--dur-fast) var(--ease);
}
.notice-close:hover { color: rgba(255,255,255,.85); }

.main-nav {
  position: sticky;
  top: var(--notice-h);
  z-index: 100;
  background: var(--c-white);
  border-bottom: 1px solid var(--color-border);
  height: var(--nav-h);
  display: flex;
  align-items: center;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--dur-mid) var(--ease), top var(--dur-mid) var(--ease);
}
.main-nav.scrolled { box-shadow: var(--shadow-md); }
.main-nav.notice-gone { top: 0; }
.nav-inner {
  display: flex;
  align-items: center;
  height: var(--nav-h);
}
.nav-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-right: auto;
  flex-shrink: 0;
}
.brand-logo {
  width: 30px; height: 30px;
  background: linear-gradient(135deg, var(--c-blue-mid), var(--c-teal));
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.brand-logo-pi {
  font-size: 17px;
  font-weight: 800;
  color: white;
  line-height: 1;
}
.brand-text { display: flex; flex-direction: column; line-height: 1.2; }
.brand-name { font-size: 18px; font-weight: 800; color: var(--c-navy); letter-spacing: .5px; }
.brand-sub  { font-size: 10px; color: var(--c-gray-500); letter-spacing: .8px; }

.nav-list { display: flex; align-items: center; gap: 2px; margin-left: 12px; }
.nav-link {
  display: block; padding: 6px 11px;
  font-size: 13px; font-weight: 500; color: var(--c-gray-700);
  border-radius: var(--r-sm);
  transition: color var(--dur-fast) var(--ease), background var(--dur-fast) var(--ease);
  white-space: nowrap;
}
.nav-link:hover { color: var(--c-blue-mid); background: var(--c-blue-50); }
.nav-link.active { color: var(--c-blue-mid); background: var(--c-blue-50); font-weight: 600; }
.nav-link-cta {
  background: var(--c-blue-mid); color: var(--c-white) !important;
  padding: 6px 14px; border-radius: var(--r-sm); margin-left: 6px;
}
.nav-link-cta:hover { background: var(--c-blue) !important; }
.nav-link-cta.active { background: var(--c-blue) !important; }

.nav-toggle {
  display: none; flex-direction: column; justify-content: center; gap: 5px;
  width: 36px; height: 36px; padding: 6px; border-radius: var(--r-sm); margin-left: auto;
}
.nav-toggle span {
  display: block; height: 2px; background: var(--c-gray-700); border-radius: 2px;
  transition: transform var(--dur-mid) var(--ease), opacity var(--dur-mid) var(--ease);
}
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

[data-animate] {
  opacity: 0; transform: translateY(22px);
  transition: opacity var(--dur-slow) var(--ease), transform var(--dur-slow) var(--ease);
}
[data-animate].is-visible { opacity: 1; transform: none; }

.section-header { margin-bottom: 52px; text-align: center; }
.section-header h2 {
  font-size: clamp(22px, 3vw, 32px); font-weight: 800;
  color: var(--c-navy); margin: 16px 0 12px; letter-spacing: -.4px; line-height: 1.25;
}
.section-sub {
  font-size: 15px; color: var(--c-gray-500);
  max-width: 680px; margin: 0 auto; line-height: 1.75;
}
.section-sub.light { color: rgba(255,255,255,.65); }
.section-header-light h2 { color: var(--c-white); }

.zone-indicator {
  display: inline-flex; align-items: center; gap: 14px;
  padding: 8px 18px;
  background: var(--c-blue-50); border: 1px solid var(--c-blue-100);
  border-radius: var(--r-full); margin-bottom: 16px;
}
.zone-indicator-light { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.15); }
.zone-num-lg { font-size: 13px; font-weight: 800; color: var(--c-blue-mid); letter-spacing: .5px; }
.zone-num-lg.light { color: rgba(255,255,255,.7); }
.zone-info { display: flex; flex-direction: column; text-align: left; gap: 1px; }
.zone-dept { font-size: 13px; font-weight: 700; color: var(--c-navy); }
.zone-desc { font-size: 11px; color: var(--c-gray-500); }
.zone-indicator-light .zone-desc { color: rgba(255,255,255,.5); }

.btn {
  display: inline-flex; align-items: center; gap: 7px;
  padding: 12px 24px; font-size: 14px; font-weight: 600;
  border-radius: var(--r-md); border: 1.5px solid transparent;
  transition: all var(--dur-fast) var(--ease); cursor: pointer; white-space: nowrap;
}
.btn svg { flex-shrink: 0; }
.btn-primary { background: var(--c-blue-mid); color: var(--c-white); border-color: var(--c-blue-mid); }
.btn-primary:hover { background: var(--c-blue); border-color: var(--c-blue); box-shadow: 0 4px 14px rgba(37,99,235,.32); transform: translateY(-1px); }
.btn-secondary { background: var(--c-white); color: var(--c-blue-mid); border-color: var(--c-blue-200); }
.btn-secondary:hover { background: var(--c-blue-50); border-color: var(--c-blue-mid); }

.section-guide {
  padding-top: calc(var(--section-py) + 8px);
  padding-bottom: var(--section-py);
  background: linear-gradient(140deg, #EEF4FF 0%, var(--c-white) 50%, #F0FDFA 100%);
  position: relative; overflow: hidden;
}
.section-guide::before {
  content: '';
  position: absolute; inset: 0;
  background-image: linear-gradient(rgba(37,99,235,.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(37,99,235,.025) 1px, transparent 1px);
  background-size: 48px 48px;
  pointer-events: none;
}
.guide-layout {
  display: grid;
  grid-template-columns: 520px 1fr;
  gap: 64px;
  align-items: center;
}

.zone-label-bar { display: flex; align-items: center; gap: 12px; margin-bottom: 22px; }
.zone-tag {
  font-size: 11px; font-weight: 700; letter-spacing: 1px; color: var(--c-blue-mid);
  background: var(--c-blue-50); border: 1px solid var(--c-blue-100);
  padding: 4px 12px; border-radius: var(--r-full); text-transform: uppercase;
}
.status-badge {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 11px; font-weight: 600; padding: 4px 10px; border-radius: var(--r-full);
}
.status-badge.status-open { color: var(--c-green); background: var(--c-green-bg); border: 1px solid #BBF7D0; }
.status-dot {
  width: 6px; height: 6px; border-radius: 50%; background: currentColor;
  animation: dotPulse 2s infinite;
}
.guide-heading {
  font-size: clamp(28px, 4vw, 46px); font-weight: 800; color: var(--c-navy);
  line-height: 1.18; letter-spacing: -.6px; margin-bottom: 10px;
}
.heading-accent { color: var(--c-blue-mid); }
.guide-subtitle {
  font-size: 15px; color: var(--c-gray-500); margin-bottom: 16px;
  font-weight: 500; letter-spacing: .2px;
}
.guide-desc {
  font-size: 14.5px; color: var(--c-gray-600); line-height: 1.8; margin-bottom: 28px;
  max-width: 480px;
  border-left: 3px solid var(--c-blue-200); padding-left: 16px;
}
.guide-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 28px; }

.quick-entry-row { display: flex; gap: 8px; flex-wrap: wrap; }
.quick-entry-item {
  display: flex; align-items: center; gap: 7px;
  padding: 8px 14px; font-size: 13px; color: var(--c-gray-700);
  background: var(--c-white); border: 1px solid var(--color-border);
  border-radius: var(--r-sm); transition: all var(--dur-fast) var(--ease);
  font-weight: 500; box-shadow: var(--shadow-xs);
}
.quick-entry-item:hover {
  border-color: var(--c-blue-200); color: var(--c-blue-mid);
  background: var(--c-blue-50); box-shadow: var(--shadow-sm); transform: translateY(-1px);
}

.guide-visual { position: relative; }
.hero-img-wrap {
  position: relative; border-radius: var(--r-2xl); overflow: hidden;
  box-shadow: var(--shadow-img);
}
.hero-img {
  width: 100%; height: 420px; object-fit: cover;
  display: block;
}
.hero-img-overlay {
  position: absolute; bottom: 0; left: 0; right: 0;
  background: linear-gradient(to top, rgba(15,37,71,.85) 0%, transparent 100%);
  padding: 24px;
}
.hero-stat-row {
  display: flex; align-items: center; justify-content: center; gap: 0;
  background: rgba(255,255,255,.12);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: var(--r-lg);
  padding: 14px 20px;
}
.hero-stat { display: flex; flex-direction: column; align-items: center; gap: 2px; padding: 0 20px; }
.hero-stat strong { font-size: 18px; font-weight: 800; color: var(--c-white); line-height: 1; }
.hero-stat span { font-size: 11px; color: rgba(255,255,255,.7); }
.hero-stat-div { width: 1px; height: 28px; background: rgba(255,255,255,.2); }

.service-status-strip {
  background: var(--c-white);
  border-top: 1px solid var(--c-gray-100);
  border-bottom: 1px solid var(--c-gray-100);
  padding: 12px 0;
}
.status-strip-inner {
  display: flex; align-items: center; justify-content: center;
  gap: 36px; flex-wrap: wrap;
}
.status-strip-item { display: flex; align-items: center; gap: 7px; font-size: 12.5px; color: var(--c-gray-500); }
.status-strip-item svg { flex-shrink: 0; }
.status-strip-item em {
  font-style: normal; font-size: 11px; font-weight: 600;
  padding: 2px 8px; border-radius: var(--r-full);
}
.status-strip-item em.running { color: var(--c-green); background: var(--c-green-bg); }

.section-scenarios { background: var(--c-white); }

.scenarios-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 28px;
}
.sc-card {
  position: relative;
  background-size: cover;
  background-position: center;
  border-radius: var(--r-xl);
  overflow: hidden;
  height: 260px;
  transition: transform var(--dur-mid) var(--ease), box-shadow var(--dur-mid) var(--ease);
  cursor: default;
}
.sc-card:hover {
  transform: translateY(-4px) scale(1.01);
  box-shadow: var(--shadow-img);
}
.sc-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(to top, rgba(10,20,50,.88) 0%, rgba(10,20,50,.35) 55%, transparent 100%);
  padding: 20px;
  display: flex; flex-direction: column; justify-content: flex-end;
}
.sc-win {
  position: absolute; top: 16px; left: 16px;
  font-size: 9px; font-weight: 800; letter-spacing: 1px;
  color: rgba(255,255,255,.9);
  background: rgba(37,99,235,.7);
  border: 1px solid rgba(255,255,255,.25);
  padding: 3px 9px; border-radius: var(--r-full);
  backdrop-filter: blur(6px);
}
.sc-body h3 {
  font-size: 17px; font-weight: 700; color: var(--c-white);
  margin-bottom: 6px; line-height: 1.2;
}
.sc-body p { font-size: 12.5px; color: rgba(255,255,255,.75); line-height: 1.55; }

.scenario-footer-bar {
  display: flex; flex-wrap: wrap; gap: 12px 36px;
  padding: 16px 20px;
  background: var(--c-blue-50);
  border: 1px solid var(--c-blue-100);
  border-radius: var(--r-lg);
}
.sfb-item { display: flex; align-items: center; gap: 8px; font-size: 13.5px; color: var(--c-gray-700); }
.sfb-item svg { flex-shrink: 0; }

.section-payment { background: var(--c-gray-50); }
.section-binding  { background: var(--c-white); }

.split-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.split-section.reverse { direction: rtl; }
.split-section.reverse > * { direction: ltr; }

.split-img-wrap {
  position: relative; border-radius: var(--r-2xl); overflow: hidden;
  box-shadow: var(--shadow-img);
}
.split-photo {
  width: 100%; height: 340px; object-fit: cover; display: block;
}
.split-img-badge {
  position: absolute; bottom: 16px; left: 16px;
  display: flex; align-items: center; gap: 10px;
  background: rgba(15,37,71,.75);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: var(--r-lg);
  padding: 10px 16px;
  color: white; font-size: 13px; font-weight: 700;
}
.split-img-badge .zone-num-lg { color: rgba(255,255,255,.85); font-size: 14px; }
.split-img-sub {
  position: relative; border-radius: var(--r-xl); overflow: hidden;
  box-shadow: var(--shadow-md);
}
.split-photo-sub {
  width: 100%; height: 140px; object-fit: cover; display: block;
}
.split-sub-label {
  position: absolute; bottom: 10px; left: 12px;
  display: flex; align-items: center; gap: 6px;
  font-size: 11.5px; font-weight: 600; color: white;
  background: rgba(8,145,178,.8); backdrop-filter: blur(6px);
  padding: 5px 12px; border-radius: var(--r-full);
}

.split-content-col { display: flex; flex-direction: column; gap: 20px; }
.split-content-col h2 {
  font-size: clamp(22px, 2.8vw, 30px); font-weight: 800;
  color: var(--c-navy); line-height: 1.22; letter-spacing: -.3px;
}
.split-desc {
  font-size: 14.5px; color: var(--c-gray-600); line-height: 1.8;
  border-left: 3px solid var(--c-blue-200); padding-left: 16px;
}

.payment-feature-list { display: flex; flex-direction: column; gap: 16px; }
.pf-item {
  display: flex; align-items: flex-start; gap: 14px;
  padding: 14px 16px;
  background: var(--c-white); border: 1px solid var(--color-border);
  border-radius: var(--r-md);
  transition: box-shadow var(--dur-mid) var(--ease), border-color var(--dur-mid) var(--ease);
}
.pf-item:hover { box-shadow: var(--shadow-md); border-color: var(--c-blue-100); }
.pf-icon {
  width: 42px; height: 42px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  background: var(--c-blue-50); border-radius: var(--r-md);
  border: 1px solid var(--c-blue-100);
}
.pf-body { display: flex; flex-direction: column; gap: 3px; }
.pf-body strong { font-size: 14px; font-weight: 700; color: var(--c-navy); }
.pf-body span { font-size: 13px; color: var(--c-gray-500); line-height: 1.6; }

.binding-card-types { display: flex; flex-direction: column; gap: 12px; }
.bct-item {
  display: flex; align-items: flex-start; gap: 14px;
  padding: 14px 16px;
  border: 1px solid var(--color-border);
  border-radius: var(--r-md);
  background: var(--c-gray-50);
}
.bct-icon {
  width: 44px; height: 44px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  border-radius: var(--r-md);
}
.bct-icon.credit { background: linear-gradient(135deg, var(--c-blue-mid), var(--c-teal)); }
.bct-icon.debit  { background: linear-gradient(135deg, var(--c-navy), var(--c-blue)); }
.bct-item > div strong { font-size: 14px; font-weight: 700; color: var(--c-navy); display: block; margin-bottom: 3px; }
.bct-item > div span  { font-size: 13px; color: var(--c-gray-500); line-height: 1.6; }

.binding-steps {
  display: flex; align-items: center; gap: 8px; flex-wrap: wrap;
  padding: 16px 18px;
  background: var(--c-blue-50);
  border: 1px solid var(--c-blue-100);
  border-radius: var(--r-lg);
}
.bs-step {
  display: flex; align-items: center; gap: 8px;
  font-size: 13px; color: var(--c-gray-700);
}
.bs-num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 20px; height: 20px; border-radius: 50%;
  font-size: 10px; font-weight: 800; color: white;
  background: var(--c-blue-mid); flex-shrink: 0;
}
.bs-arrow { color: var(--c-blue-200); font-weight: 700; font-size: 16px; }
.binding-notice {
  display: flex; align-items: flex-start; gap: 8px;
  font-size: 12.5px; color: var(--c-teal); line-height: 1.65;
  background: var(--c-teal-50);
  border: 1px solid #A5F3FC;
  border-radius: var(--r-md); padding: 10px 14px;
}
.binding-notice svg { flex-shrink: 0; margin-top: 1px; }

.section-bills { padding: 0; }
.bills-bg {
  position: relative;
  background-size: cover;
  background-position: center;
  background-attachment: fixed;
}
.bills-bg-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(160deg, rgba(10,20,55,.93) 0%, rgba(8,50,100,.88) 100%);
}
.bills-content {
  position: relative; z-index: 1;
  padding-top: var(--section-py);
  padding-bottom: var(--section-py);
}
.bills-content .section-header { margin-bottom: 44px; }
.bills-content .section-header h2 { color: var(--c-white); }

.bills-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.bill-card {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--r-xl);
  padding: 24px 20px;
  display: flex; flex-direction: column; gap: 14px;
  transition: background var(--dur-mid) var(--ease), border-color var(--dur-mid) var(--ease), transform var(--dur-mid) var(--ease);
  backdrop-filter: blur(8px);
}
.bill-card:hover {
  background: rgba(255,255,255,.14);
  border-color: rgba(255,255,255,.22);
  transform: translateY(-3px);
}
.bill-card-icon {
  width: 52px; height: 52px;
  background: rgba(37,99,235,.2);
  border: 1px solid rgba(37,99,235,.3);
  border-radius: var(--r-md);
  display: flex; align-items: center; justify-content: center;
}
.bill-card-body h3 { font-size: 15px; font-weight: 700; color: var(--c-white); margin-bottom: 8px; }
.bill-card-body p  { font-size: 13px; color: rgba(255,255,255,.65); line-height: 1.7; flex: 1; }
.bill-tag {
  display: inline-block;
  font-size: 10.5px; font-weight: 600;
  color: rgba(255,255,255,.6);
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.12);
  padding: 3px 10px; border-radius: var(--r-full); margin-top: 4px;
}

.section-account { background: var(--c-gray-50); }

.account-split {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 56px;
  align-items: flex-start;
}
.account-img-col { position: relative; }
.account-img {
  width: 100%; border-radius: var(--r-2xl);
  box-shadow: var(--shadow-img);
  object-fit: cover; height: 460px;
}
.account-img-tag {
  position: absolute; bottom: 16px; left: 50%; transform: translateX(-50%);
  display: flex; align-items: center; gap: 7px;
  font-size: 12px; font-weight: 600; color: var(--c-green);
  background: rgba(255,255,255,.96);
  border: 1px solid #BBF7D0;
  border-radius: var(--r-full); padding: 8px 16px;
  white-space: nowrap;
  box-shadow: var(--shadow-sm);
}
.account-img-tag svg { flex-shrink: 0; }

.account-blocks-col { display: flex; flex-direction: column; gap: 16px; }
.account-block {
  background: var(--c-white);
  border: 1px solid var(--color-border);
  border-left: 4px solid var(--c-blue-mid);
  border-radius: var(--r-lg);
  padding: 20px 20px 18px;
  display: flex; flex-direction: column; gap: 10px;
  transition: box-shadow var(--dur-mid) var(--ease), border-left-color var(--dur-mid) var(--ease);
}
.account-block:hover { box-shadow: var(--shadow-md); border-left-color: var(--c-teal); }
.account-block-header { display: flex; align-items: flex-start; gap: 12px; }
.ab-icon {
  width: 44px; height: 44px; flex-shrink: 0;
  background: var(--c-blue-50); border-radius: var(--r-md);
  border: 1px solid var(--c-blue-100);
  display: flex; align-items: center; justify-content: center;
}
.account-block-header h3 { font-size: 14px; font-weight: 700; color: var(--c-navy); margin-bottom: 3px; }
.ab-num { font-size: 11px; color: var(--c-gray-400); letter-spacing: .3px; }
.account-block > p { font-size: 13px; color: var(--c-gray-500); line-height: 1.75; }
.ab-tags { display: flex; gap: 6px; flex-wrap: wrap; }
.ab-tags span {
  font-size: 11px; color: var(--c-blue-mid);
  background: var(--c-blue-50); border: 1px solid var(--c-blue-100);
  padding: 2px 9px; border-radius: var(--r-full); font-weight: 500;
}

.section-security { background: var(--c-white); }

.security-layout {
  display: grid;
  grid-template-columns: 340px 1fr;
  gap: 56px;
  align-items: flex-start;
}
.security-img {
  width: 100%; height: 340px; object-fit: cover;
  border-radius: var(--r-2xl); box-shadow: var(--shadow-img);
}
.security-cert-row {
  display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 16px;
}
.security-cert-item {
  display: flex; align-items: center; gap: 8px;
  font-size: 12.5px; font-weight: 500; color: #15803D;
  background: var(--c-green-bg);
  border: 1px solid #BBF7D0;
  border-radius: var(--r-md); padding: 9px 12px;
}
.security-cert-item svg { flex-shrink: 0; }

.security-notices-col { display: flex; flex-direction: column; gap: 14px; }
.security-notice {
  border-radius: var(--r-lg); padding: 16px 18px; border: 1px solid;
}
.security-notice.critical { background: var(--c-red-bg); border-color: #FECACA; }
.security-notice.warning  { background: var(--c-amber-bg); border-color: #FDE68A; }
.security-notice.info     { background: var(--c-gray-50); border-color: var(--color-border); }
.sn-header {
  display: flex; align-items: center; gap: 9px; margin-bottom: 10px;
}
.sn-header strong { font-size: 13px; font-weight: 700; flex: 1; }
.security-notice.critical .sn-header strong { color: var(--c-red); }
.security-notice.warning  .sn-header strong { color: var(--c-amber); }
.security-notice.info     .sn-header strong { color: var(--c-navy); }
.sn-level {
  font-size: 10px; font-weight: 700; padding: 2px 8px;
  border-radius: var(--r-full); letter-spacing: .3px;
}
.security-notice.critical .sn-level { color: var(--c-red); background: #FEE2E2; }
.security-notice.warning  .sn-level { color: #92400E; background: #FDE68A; }
.security-notice.info     .sn-level { color: var(--c-gray-500); background: var(--c-gray-200); }
.security-notice p { font-size: 13px; line-height: 1.75; }
.security-notice.critical p { color: #7F1D1D; }
.security-notice.warning  p { color: #78350F; }
.security-notice.info     p { color: var(--c-gray-600); }

.section-help { background: var(--c-gray-50); }

.help-layout {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 36px;
  align-items: flex-start;
}
.help-main-col { display: flex; flex-direction: column; gap: 20px; }
.help-block {
  background: var(--c-white); border: 1px solid var(--color-border);
  border-radius: var(--r-lg); padding: 24px 22px;
  display: flex; flex-direction: column; gap: 14px;
}
.help-block-title {
  display: flex; align-items: center; gap: 10px;
  padding-bottom: 14px; border-bottom: 1px solid var(--c-gray-100);
}
.help-block-title h3 { font-size: 15px; font-weight: 700; color: var(--c-navy); }
.help-block-content p { font-size: 13.5px; color: var(--c-gray-600); line-height: 1.8; margin-bottom: 10px; }
.help-block-content p:last-child { margin-bottom: 0; }
.help-block p { font-size: 13.5px; color: var(--c-gray-600); line-height: 1.8; }

.term-list { display: flex; flex-direction: column; gap: 10px; }
.term-item {
  display: grid; grid-template-columns: 100px 1fr;
  gap: 10px; font-size: 13.5px;
  border-bottom: 1px dashed var(--c-gray-100); padding-bottom: 10px;
}
.term-item:last-child { border-bottom: none; padding-bottom: 0; }
.term-item dt { font-weight: 700; color: var(--c-navy); font-size: 12.5px; padding-top: 1px; }
.term-item dd { color: var(--c-gray-600); line-height: 1.65; }

.help-checklist { display: flex; flex-direction: column; gap: 11px; }
.help-checklist li {
  display: flex; align-items: flex-start; gap: 9px;
  font-size: 13px; color: var(--c-gray-600); line-height: 1.7;
}
.help-checklist li svg { flex-shrink: 0; margin-top: 2px; }

.help-side-col { display: flex; flex-direction: column; gap: 20px; }
.help-img-card {
  position: relative; border-radius: var(--r-xl);
  overflow: hidden; box-shadow: var(--shadow-md);
}
.help-img {
  width: 100%; height: 220px; object-fit: cover; display: block;
}
.help-img-overlay {
  position: absolute; bottom: 0; left: 0; right: 0;
  background: linear-gradient(to top, rgba(15,37,71,.82) 0%, transparent 100%);
  padding: 18px;
  display: flex; flex-direction: column; gap: 3px;
}
.help-img-overlay strong { font-size: 16px; font-weight: 800; color: white; }
.help-img-overlay span  { font-size: 11.5px; color: rgba(255,255,255,.7); }

.section-qa { background: var(--c-white); }

.qa-list {
  max-width: 900px; margin: 0 auto;
  border: 1px solid var(--color-border);
  border-radius: var(--r-xl); overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.qa-item { border-bottom: 1px solid var(--c-gray-100); }
.qa-item:last-child { border-bottom: none; }

.qa-question {
  width: 100%; display: flex; align-items: center; gap: 14px;
  padding: 18px 22px; text-align: left;
  font-size: 14px; font-weight: 600; color: var(--c-gray-800);
  transition: background var(--dur-fast) var(--ease), color var(--dur-fast) var(--ease);
  background: var(--c-white);
}
.qa-question:hover { background: var(--c-blue-50); color: var(--c-blue-mid); }
.qa-question[aria-expanded="true"] { background: var(--c-blue-50); color: var(--c-blue-mid); }
.qa-num {
  font-size: 10px; font-weight: 800; color: var(--c-blue-mid);
  background: var(--c-blue-50); border: 1px solid var(--c-blue-100);
  padding: 2px 8px; border-radius: var(--r-full); flex-shrink: 0; letter-spacing: .3px;
}
.qa-question > span:nth-child(2) { flex: 1; }
.qa-arrow {
  width: 18px; height: 18px; flex-shrink: 0; position: relative;
  transition: transform var(--dur-mid) var(--ease);
}
.qa-arrow::before, .qa-arrow::after {
  content: '';
  position: absolute; top: 50%; left: 50%;
  width: 8px; height: 1.5px; background: currentColor; border-radius: 2px; transform-origin: center;
}
.qa-arrow::before { transform: translate(-50%, -50%) rotate(-45deg) translateX(-3px); }
.qa-arrow::after  { transform: translate(-50%, -50%) rotate(45deg)  translateX(3px);  }
.qa-question[aria-expanded="true"] .qa-arrow { transform: rotate(90deg); }
.qa-answer {
  padding: 0 22px 18px 54px;
  font-size: 13.5px; color: var(--c-gray-600); line-height: 1.8;
}
.qa-answer p + p { margin-top: 10px; }
.qa-answer[hidden] { display: none; }

.section-contact { background: var(--c-navy); }
.section-contact .section-header h2 { color: var(--c-white); }

.contact-layout {
  display: grid; grid-template-columns: 360px 1fr; gap: 56px;
}
.contact-brand-card {
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--r-xl); padding: 24px 22px; margin-bottom: 16px;
}
.contact-brand-logo {
  width: 48px; height: 48px; border-radius: var(--r-lg);
  background: linear-gradient(135deg, var(--c-blue-mid), var(--c-teal));
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 14px;
}
.contact-brand-logo span { font-size: 24px; font-weight: 800; color: white; }
.contact-brand-card h3 { font-size: 16px; font-weight: 700; color: var(--c-white); margin-bottom: 12px; }
.contact-brand-card p { font-size: 13px; color: rgba(255,255,255,.6); line-height: 1.8; margin-bottom: 10px; }
.contact-tags { display: flex; gap: 7px; flex-wrap: wrap; }
.contact-tags span {
  font-size: 11px; color: rgba(255,255,255,.55);
  background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12);
  padding: 3px 10px; border-radius: var(--r-full);
}
.contact-business-card {
  background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--r-xl); padding: 18px 20px;
}
.contact-business-card h4 { font-size: 13px; font-weight: 700; color: rgba(255,255,255,.8); margin-bottom: 8px; }
.contact-business-card p { font-size: 12.5px; color: rgba(255,255,255,.5); line-height: 1.75; }

.contact-info-grid {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; margin-bottom: 14px;
}
.contact-info-card {
  display: flex; align-items: flex-start; gap: 12px;
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--r-md); padding: 14px 16px;
  transition: background var(--dur-fast) var(--ease);
}
.contact-info-card:hover { background: rgba(255,255,255,.10); }
.cic-icon {
  width: 40px; height: 40px; background: rgba(255,255,255,.08);
  border-radius: var(--r-sm); display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.cic-body { display: flex; flex-direction: column; gap: 2px; }
.cic-label  { font-size: 10.5px; color: rgba(255,255,255,.4); letter-spacing: .3px; }
.cic-body strong { font-size: 13px; color: var(--c-white); font-weight: 700; word-break: break-all; }
.cic-note   { font-size: 11px; color: rgba(255,255,255,.38); }
.contact-notice {
  display: flex; align-items: flex-start; gap: 8px;
  font-size: 12px; color: rgba(255,255,255,.42); line-height: 1.65;
}
.contact-notice svg { flex-shrink: 0; margin-top: 1px; }

.site-footer { background: var(--c-gray-900); padding: 32px 0; }
.footer-inner { display: flex; flex-direction: column; gap: 20px; align-items: center; text-align: center; }
.footer-brand { display: flex; align-items: center; gap: 12px; }
.footer-logo {
  width: 36px; height: 36px; background: linear-gradient(135deg, var(--c-blue-mid), var(--c-teal));
  border-radius: var(--r-md); display: flex; align-items: center; justify-content: center;
  font-size: 18px; font-weight: 800; color: white;
}
.footer-brand strong { font-size: 16px; color: var(--c-white); display: block; font-weight: 700; }
.footer-brand span   { font-size: 11px; color: rgba(255,255,255,.4); }
.footer-nav { display: flex; flex-wrap: wrap; justify-content: center; gap: 5px 16px; }
.footer-nav a { font-size: 12.5px; color: rgba(255,255,255,.42); transition: color var(--dur-fast) var(--ease); }
.footer-nav a:hover { color: rgba(255,255,255,.85); }
.footer-legal { display: flex; flex-direction: column; gap: 4px; align-items: center; }
.footer-legal p  { font-size: 11.5px; color: rgba(255,255,255,.28); line-height: 1.6; }
.footer-copy { margin-top: 4px; font-size: 11px; color: rgba(255,255,255,.18) !important; }

@media (max-width: 1100px) {
  .guide-layout { grid-template-columns: 1fr 1fr; gap: 48px; }
  .bills-grid { grid-template-columns: repeat(2, 1fr); }
  .help-layout { grid-template-columns: 1fr; }
  .help-side-col { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
}

@media (max-width: 900px) {
  :root { --section-py: 60px; --container-px: 20px; }
  .guide-layout { grid-template-columns: 1fr; gap: 40px; }
  .guide-visual { order: -1; }
  .hero-img { height: 300px; }
  .scenarios-grid { grid-template-columns: repeat(2, 1fr); }
  .split-section { grid-template-columns: 1fr; gap: 40px; }
  .split-section.reverse { direction: ltr; }
  .split-photo { height: 260px; }
  .split-img-sub { display: none; }
  .account-split { grid-template-columns: 1fr; }
  .account-img { height: 300px; }
  .security-layout { grid-template-columns: 1fr; }
  .contact-layout { grid-template-columns: 1fr; }
  .contact-info-grid { grid-template-columns: 1fr; }
  .binding-steps { flex-direction: column; align-items: flex-start; }
  .bs-arrow { display: none; }
  .security-cert-row { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .nav-toggle { display: flex; }
  .nav-list {
    display: none; flex-direction: column;
    position: fixed; top: 0; left: 0; right: 0;
    background: var(--c-white);
    padding: calc(var(--nav-h) + 16px) 16px 24px;
    gap: 4px; box-shadow: var(--shadow-xl); z-index: 99;
    border-bottom: 1px solid var(--color-border);
  }
  .nav-list.is-open { display: flex; }
  .nav-link { font-size: 15px; padding: 10px 14px; }
  .nav-link-cta { margin-left: 0; text-align: center; justify-content: center; }
  .guide-actions { flex-direction: column; }
  .guide-actions .btn { width: 100%; justify-content: center; }
  .scenarios-grid { grid-template-columns: 1fr; }
  .sc-card { height: 220px; }
  .bills-grid { grid-template-columns: 1fr; }
  .status-strip-inner { gap: 14px; overflow-x: auto; flex-wrap: nowrap; justify-content: flex-start; }
  .help-side-col { grid-template-columns: 1fr; }
  .term-item { grid-template-columns: 80px 1fr; font-size: 12.5px; }
  .scenario-footer-bar { gap: 10px 20px; }
  .hero-stat-row { gap: 0; }
  .hero-stat { padding: 0 12px; }
}

@media (max-width: 480px) {
  :root { --section-py: 48px; --container-px: 16px; }
  .guide-heading { font-size: 26px; }
  .section-header h2 { font-size: 20px; }
  .hero-img { height: 220px; }
  .hero-stat-row { flex-wrap: wrap; gap: 8px; }
  .hero-stat-div { display: none; }
  .contact-info-grid { gap: 8px; }
  .quick-entry-row { gap: 6px; }
  .quick-entry-item { padding: 7px 11px; font-size: 12px; }
  .payment-feature-list { gap: 10px; }
  .account-blocks-col { gap: 10px; }
}

::-webkit-scrollbar { width: 6px; height: 6px; }
::-webkit-scrollbar-track { background: var(--c-gray-100); }
::-webkit-scrollbar-thumb { background: var(--c-gray-300); border-radius: 3px; }
::-webkit-scrollbar-thumb:hover { background: var(--c-gray-400); }
:focus-visible { outline: 2px solid var(--c-blue-mid); outline-offset: 2px; }