:root {
  --bg: #f4f7f8;
  --card: #ffffff;
  --ink: #1c2a2c;
  --sub: #4d6467;
  --teal: #0d7377;
  --teal-d: #095456;
  --line: #d5e0e2;
  --warn-bg: #fff6e8;
  --warn: #8a4b08;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

body {
  font-family: "Segoe UI", "PingFang SC", "Microsoft YaHei", sans-serif;
  background: var(--bg);
  color: var(--ink);
  line-height: 1.7;
  font-size: 16px;
}

a { color: var(--teal); text-decoration: none; }
a:hover { text-decoration: underline; }

.mast {
  background: #fff;
  border-top: 6px solid var(--teal);
  box-shadow: 0 1px 0 var(--line);
}

.mast-inner {
  max-width: 1180px;
  margin: 0 auto;
  padding: 16px 24px 0;
  display: flex;
  flex-wrap: wrap;
  align-items: flex-end;
  justify-content: space-between;
  gap: 12px;
}

.brand {
  font-size: 20px;
  font-weight: 800;
  color: var(--teal-d);
  letter-spacing: -0.02em;
}

.nav { display: flex; list-style: none; gap: 4px; }

.nav a {
  display: block;
  padding: 12px 16px 14px;
  color: var(--sub);
  border-radius: 8px 8px 0 0;
}

.nav a.is-current {
  background: var(--bg);
  color: var(--teal-d);
  font-weight: 700;
}

.wrap { max-width: 1180px; margin: 0 auto; padding: 28px 24px 72px; }

.hero {
  background: linear-gradient(135deg, #0d7377 0%, #14919b 55%, #0a4f52 100%);
  color: #fff;
  border-radius: 16px;
  padding: 40px 40px 36px;
  margin-bottom: 28px;
}

.hero h1 { font-size: 32px; line-height: 1.3; margin-bottom: 14px; }
.hero .lead { opacity: 0.94; margin-bottom: 20px; max-width: 70ch; }
.hero a { color: #fff; }

.cta-row { display: flex; flex-wrap: wrap; gap: 10px; }

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #fff;
  color: var(--teal-d);
  font-weight: 700;
  padding: 11px 18px;
  border-radius: 999px;
  font-size: 15px;
}

.btn:hover { background: #e7f4f4; text-decoration: none; color: var(--teal-d); }

.btn-ghost {
  background: transparent;
  color: #fff;
  border: 1px solid rgba(255,255,255,.55);
}

.btn-ghost:hover { background: rgba(255,255,255,.12); color: #fff; }

.note {
  margin-top: 16px;
  font-size: 13px;
  opacity: 0.9;
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 16px 0 8px;
}

.card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 18px 18px 12px;
}

.card h3 {
  font-size: 16px;
  margin-bottom: 8px;
  color: var(--teal-d);
}

section {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 28px 28px 18px;
  margin-bottom: 16px;
}

h2 { font-size: 22px; margin-bottom: 12px; color: var(--teal-d); }

p { margin-bottom: 12px; }
ul, ol { margin: 0 0 14px 1.2em; }
li { margin-bottom: 6px; }

table { width: 100%; border-collapse: collapse; margin: 12px 0 16px; font-size: 14px; }
th, td { border: 1px solid var(--line); padding: 8px 10px; text-align: left; }
th { background: #e7f3f3; }

.risk {
  background: var(--warn-bg);
  border-color: #f0d2a0;
  color: var(--warn);
}

.faq details { margin-bottom: 8px; }
.faq dt { font-weight: 700; margin-top: 14px; }
.faq dd { margin: 6px 0 0; color: var(--sub); }

footer {
  background: #12383a;
  color: #c9dfe0;
  padding: 32px 24px 40px;
  font-size: 13px;
  line-height: 1.7;
}

.footer-inner { max-width: 1180px; margin: 0 auto; }
footer a { color: #9fe3e6; }
footer p { margin-bottom: 8px; }

@media (max-width: 900px) {
  .grid-3 { grid-template-columns: 1fr; }
  .hero { padding: 28px 22px; }
  .hero h1 { font-size: 26px; }
}