:root{
  --navy:#0B1F3A;--navy-2:#13305A;--navy-3:#1D3F70;--gold:#C9A45C;--gold-2:#E3C98F;--gold-d:#A9843F;
  --bg:#F2F4F8;--card:#fff;--ink:#14213D;--ink-2:#4A5872;--ink-3:#7C889D;--line:#E3E7EE;--err:#C2382F;--ok:#1E7F55;
  --r:16px;--sat:env(safe-area-inset-top,0px);--sab:env(safe-area-inset-bottom,0px);
  --tab-h:64px;
}
*{box-sizing:border-box;-webkit-tap-highlight-color:transparent}
html,body{margin:0;background:#DCE2EB;color:var(--ink);font:15px/1.5 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"PingFang SC","Noto Sans CJK SC","Noto Sans SC","Microsoft YaHei",sans-serif;-webkit-font-smoothing:antialiased}
button,input,select,textarea{font:inherit;color:inherit}
a{color:inherit}
.app{max-width:480px;margin:0 auto;min-height:100dvh;background:var(--bg);position:relative;box-shadow:0 0 40px rgba(11,31,58,.12)}
.screen{padding-bottom:calc(var(--tab-h) + var(--sab) + 24px);outline:none;min-height:100dvh}
.screen.enter{animation:enter .28s ease}
.screen.enter-back{animation:enterBack .28s ease}
@keyframes enter{from{opacity:0;transform:translateX(18px)}to{opacity:1;transform:none}}
@keyframes enterBack{from{opacity:0;transform:translateX(-18px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){.screen.enter,.screen.enter-back{animation:none}}

/* ---------- top bars ---------- */
.hero{background:radial-gradient(120% 90% at 100% 0%,#264C82 0%,rgba(38,76,130,0) 60%),linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:calc(var(--sat) + 14px) 18px 64px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-60px;bottom:-80px;width:220px;height:220px;border:1px solid rgba(201,164,92,.35);border-radius:50%}
.hero::before{content:"";position:absolute;right:-20px;bottom:-40px;width:140px;height:140px;border:1px solid rgba(201,164,92,.22);border-radius:50%}
.hero-top{display:flex;align-items:center;justify-content:space-between;gap:12px;position:relative;z-index:1}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none}
.brand img{width:36px;height:36px;border-radius:9px;display:block}
.brand b{display:block;font-size:16px;letter-spacing:.14em}
.brand small{display:block;font-size:10.5px;letter-spacing:.1em;color:var(--gold-2);opacity:.9}
.lang{display:flex;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);border-radius:999px;padding:3px}
.lang button{border:0;background:none;color:#fff;font-size:12.5px;font-weight:600;min-width:38px;height:30px;border-radius:999px;cursor:pointer;opacity:.75}
.lang button[aria-pressed=true]{background:var(--gold);color:var(--navy);opacity:1}
.hero h1{margin:26px 0 6px;font-size:25px;line-height:1.3;font-weight:700;position:relative;z-index:1}
.hero p{margin:0;color:#C9D4E5;font-size:14px;max-width:30em;position:relative;z-index:1}
.hero .chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px;position:relative;z-index:1}
.chip{display:inline-flex;align-items:center;gap:6px;font-size:12.5px;padding:6px 10px;border-radius:999px;background:rgba(255,255,255,.08);border:1px solid rgba(201,164,92,.45);color:#F1E3C1}

.appbar{position:sticky;top:0;z-index:20;background:var(--navy);color:#fff;padding:calc(var(--sat) + 8px) 8px 0}
.appbar-row{display:flex;align-items:center;gap:4px;min-height:48px}
.appbar h1{flex:1;margin:0;font-size:17px;font-weight:650;text-align:center;padding-right:44px}
.appbar.no-back h1{padding:0 0 0 8px;text-align:left}
.icon-btn{width:44px;height:44px;border:0;background:none;color:inherit;border-radius:12px;display:grid;place-items:center;cursor:pointer}
.icon-btn:active{background:rgba(255,255,255,.1)}
.steps{display:flex;gap:6px;padding:6px 10px 12px}
.steps i{flex:1;height:4px;border-radius:4px;background:rgba(255,255,255,.18)}
.steps i.on{background:var(--gold)}
.step-label{font-size:12px;color:#B8C5D9;padding:0 10px 10px;display:flex;justify-content:space-between}
.step-label b{color:var(--gold-2);font-weight:600}
.appbar-tail{height:20px;background:var(--navy);margin-bottom:-20px}

/* ---------- cards ---------- */
.wrap{padding:0 14px}
.card{background:var(--card);border-radius:var(--r);box-shadow:0 1px 2px rgba(11,31,58,.05),0 6px 20px rgba(11,31,58,.06);padding:18px 16px;margin-top:14px;position:relative}
.card.lift{margin-top:-44px;z-index:2}
.card h2{margin:0 0 4px;font-size:17px}
.card h3{margin:0 0 10px;font-size:15px}
.card .sub{margin:0 0 14px;color:var(--ink-2);font-size:13.5px}
.sec-title{margin:22px 4px 2px;font-size:15px;font-weight:700;display:flex;align-items:center;justify-content:space-between}
.sec-title small{font-weight:500;color:var(--ink-3);font-size:12.5px}
.muted{color:var(--ink-3)}

/* quick grid */
.quick{display:grid;grid-template-columns:repeat(4,1fr);gap:6px;text-align:center}
.quick button,.quick a{border:0;background:none;padding:6px 2px;border-radius:12px;cursor:pointer;text-decoration:none;color:var(--ink);font-size:12.5px;line-height:1.3;display:flex;flex-direction:column;align-items:center;gap:7px;min-height:76px}
.quick button:active,.quick a:active{background:#F1F3F7}
.q-ic{width:46px;height:46px;border-radius:14px;display:grid;place-items:center;background:linear-gradient(150deg,#EEF2F8,#E2E8F2);color:var(--navy-2)}
.q-ic.gold{background:linear-gradient(150deg,#F7EDD8,#EEDDB7);color:#7A5A1E}

.apply-cta{display:flex;align-items:center;gap:14px}
.apply-cta .txt{flex:1}
.apply-cta .txt b{display:block;font-size:16px}
.apply-cta .txt span{display:block;color:var(--ink-2);font-size:13px;margin-top:2px}

.offer{display:flex;gap:12px;padding:12px 0;border-top:1px solid var(--line)}
.offer:first-of-type{border-top:0;padding-top:2px}
.offer .o-ic{flex:0 0 40px;height:40px;border-radius:12px;background:#EEF2F8;display:grid;place-items:center;color:var(--navy-2)}
.offer b{display:block;font-size:14.5px}
.offer span{display:block;color:var(--ink-2);font-size:13px;margin-top:2px}
.rate-row{display:grid;grid-template-columns:1fr 1fr 1fr;gap:8px;margin-top:6px}
.rate{background:#F6F8FB;border:1px solid var(--line);border-radius:12px;padding:10px 8px;text-align:center}
.rate b{display:block;font-size:17px;color:var(--navy)}
.rate span{font-size:11.5px;color:var(--ink-2);line-height:1.35;display:block}
.flow{counter-reset:f;margin:0;padding:0;list-style:none}
.flow li{position:relative;padding:0 0 14px 40px;font-size:13.5px;color:var(--ink-2)}
.flow li b{display:block;color:var(--ink);font-size:14.5px}
.flow li::before{counter-increment:f;content:counter(f);position:absolute;left:0;top:0;width:26px;height:26px;border-radius:50%;background:var(--navy);color:var(--gold-2);font-size:13px;font-weight:700;display:grid;place-items:center}
.flow li:not(:last-child)::after{content:"";position:absolute;left:12.5px;top:28px;bottom:2px;width:1px;background:var(--line)}
.who{display:flex;flex-wrap:wrap;gap:8px}
.who span{background:#F2F5F9;border:1px solid var(--line);border-radius:999px;padding:6px 12px;font-size:13px}
.legal{margin:22px 4px 0;font-size:11.5px;line-height:1.65;color:var(--ink-3);text-align:center}
.legal b{color:var(--ink-2);font-weight:600}

/* ---------- forms ---------- */
.field{display:block;margin-bottom:16px}
.field>.lbl{display:flex;justify-content:space-between;align-items:baseline;font-size:13.5px;font-weight:600;color:var(--ink);margin-bottom:6px}
.field>.lbl small{font-weight:400;color:var(--ink-3);font-size:12px}
.req{color:var(--err);margin-left:2px}
.inp{display:flex;align-items:center;border:1.5px solid var(--line);border-radius:12px;background:#fff;min-height:50px;transition:border-color .15s,box-shadow .15s}
.inp:focus-within{border-color:var(--navy-3);box-shadow:0 0 0 3px rgba(29,63,112,.12)}
.inp .pre{padding:0 0 0 14px;color:var(--ink-2);font-weight:600;font-size:14px}
.inp input,.inp select,.inp textarea{flex:1;border:0;outline:0;background:none;padding:12px 14px;min-height:48px;width:100%;font-size:16px;appearance:none;-webkit-appearance:none}
.inp textarea{resize:vertical;min-height:72px}
.inp select{background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%237C889D' stroke-width='1.8' fill='none'/%3E%3C/svg%3E") no-repeat right 14px center;padding-right:36px}
.inp select:invalid,.inp select.ph{color:var(--ink-3)}
.field.bad .inp{border-color:var(--err)}
.field .err{display:none;color:var(--err);font-size:12.5px;margin-top:5px}
.field.bad .err{display:block}
.hint{font-size:12px;color:var(--ink-3);margin-top:5px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.seg{display:grid;grid-template-columns:1fr 1fr;background:#EEF1F6;border-radius:12px;padding:4px;gap:4px}
.seg button{border:0;background:none;border-radius:9px;min-height:46px;cursor:pointer;font-size:14px;font-weight:600;color:var(--ink-2);line-height:1.2}
.seg button small{display:block;font-weight:500;font-size:11.5px;color:var(--ink-3);margin-top:2px}
.seg button[aria-pressed=true]{background:#fff;color:var(--navy);box-shadow:0 1px 4px rgba(11,31,58,.12)}
.seg button[aria-pressed=true] small{color:var(--gold-d)}
.check{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:var(--ink-2);line-height:1.55;cursor:pointer;padding:4px 0}
.check input{flex:0 0 22px;width:22px;height:22px;margin:0;accent-color:var(--navy);cursor:pointer}
.check a{color:var(--navy-3);font-weight:600}
.check.bad{color:var(--err)}
.btn{display:flex;align-items:center;justify-content:center;gap:8px;width:100%;min-height:52px;border-radius:14px;border:0;font-size:16px;font-weight:700;cursor:pointer;text-decoration:none;transition:transform .1s,opacity .15s,background .15s}
.btn:active{transform:scale(.985)}
.btn-gold{background:linear-gradient(180deg,#D6B26B,var(--gold));color:var(--navy);box-shadow:0 4px 14px rgba(169,132,63,.3)}
.btn-navy{background:var(--navy);color:#fff}
.btn-line{background:#fff;color:var(--navy);border:1.5px solid #C9D2E0}
.btn-wa{background:#1E8E5A;color:#fff}
.btn[disabled],.btn[aria-disabled=true]{background:#D5DBE4;color:#8C97A8;box-shadow:none;cursor:not-allowed}
.btn.sm{min-height:44px;font-size:14px;border-radius:12px;width:auto;padding:0 16px}
.btn-row{display:grid;grid-template-columns:1fr 2fr;gap:10px;margin-top:18px}
.form-err{background:#FCECEA;color:var(--err);font-size:13px;border-radius:10px;padding:10px 12px;margin:0 0 12px}
.notice{display:flex;gap:10px;background:#F6F1E6;border:1px solid #EADCBC;border-radius:12px;padding:10px 12px;font-size:12.5px;color:#6B5222;line-height:1.55}
.notice svg{flex:0 0 18px;margin-top:2px}
.handled{display:flex;align-items:center;gap:10px;background:#F2F5FA;border:1px solid var(--line);border-radius:12px;padding:10px 12px;margin-bottom:16px;font-size:12.5px;color:var(--ink-2)}
.handled img{width:30px;height:30px;border-radius:8px}
.handled b{display:block;color:var(--ink);font-size:13px}

/* result */
.result{border:1.5px solid #EADCBC;background:linear-gradient(180deg,#FFFDF8,#fff)}
.result .tag{display:inline-block;font-size:11.5px;font-weight:700;letter-spacing:.06em;color:#7A5A1E;background:#F5E9CF;border-radius:6px;padding:3px 8px}
.result .big{font-size:34px;font-weight:800;color:var(--navy);margin:8px 0 0;letter-spacing:-.01em}
.result .big small{font-size:15px;font-weight:600;color:var(--ink-2);margin-left:4px}
.kv{margin:14px 0 0;display:grid;grid-template-columns:auto 1fr;gap:9px 12px;font-size:14px}
.kv dt{color:var(--ink-2)}
.kv dd{margin:0;text-align:right;font-weight:600}
.result .fine{font-size:12px;color:var(--ink-3);margin:12px 0 0;line-height:1.6}

/* docs */
.doc{border:1.5px dashed #CBD3E0;border-radius:14px;padding:12px;margin-bottom:12px;background:#FBFCFE}
.doc.done{border-style:solid;border-color:#A7D3BC;background:#F4FBF7}
.doc.bad{border-color:var(--err)}
.doc-h{display:flex;align-items:flex-start;gap:10px}
.doc-h .d-ic{flex:0 0 36px;height:36px;border-radius:10px;background:#EEF2F8;display:grid;place-items:center;color:var(--navy-2)}
.doc.done .d-ic{background:#DDF1E6;color:var(--ok)}
.doc-h b{display:block;font-size:14px}
.doc-h span{display:block;font-size:12px;color:var(--ink-3)}
.doc-act{display:flex;gap:8px;margin-top:10px}
.doc-act label{flex:1;display:flex;align-items:center;justify-content:center;gap:6px;min-height:44px;border-radius:10px;border:1.5px solid #C9D2E0;background:#fff;font-size:13.5px;font-weight:600;color:var(--navy);cursor:pointer}
.doc-act input{position:absolute;width:1px;height:1px;opacity:0;pointer-events:none}
.files{list-style:none;margin:10px 0 0;padding:0}
.files li{display:flex;align-items:center;gap:8px;font-size:12.5px;padding:6px 8px;background:#fff;border:1px solid var(--line);border-radius:8px;margin-top:6px}
.files li span{flex:1;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.files li em{font-style:normal;color:var(--ink-3)}
.files button{border:0;background:none;color:var(--ink-3);width:32px;height:32px;cursor:pointer;border-radius:8px}

/* review */
.rv-h{display:flex;justify-content:space-between;align-items:center;margin-bottom:6px}
.rv-h h3{margin:0}
.rv-h button{border:0;background:none;color:var(--navy-3);font-weight:600;font-size:13px;min-height:36px;cursor:pointer}
.rv .kv{margin-top:4px;font-size:13.5px}
.rv .kv dd{font-weight:500;word-break:break-word}

/* done */
.done-hd{text-align:center;padding:8px 6px 0}
.done-hd .seal{width:68px;height:68px;border-radius:50%;margin:6px auto 10px;background:#F5E9CF;color:#7A5A1E;display:grid;place-items:center}
.done-hd h2{font-size:20px;margin:0 0 6px}
.done-hd p{margin:0;color:var(--ink-2);font-size:13.5px}
.ref{display:inline-block;margin-top:10px;font-family:ui-monospace,Menlo,monospace;background:#F2F5FA;border-radius:8px;padding:4px 10px;font-size:13px;color:var(--navy)}
.todo{list-style:none;margin:0;padding:0}
.todo li{display:flex;gap:12px;padding:12px 0;border-top:1px solid var(--line);font-size:13.5px;color:var(--ink-2)}
.todo li:first-child{border-top:0;padding-top:0}
.todo li i{flex:0 0 24px;height:24px;border-radius:50%;background:var(--navy);color:var(--gold-2);font-style:normal;font-weight:700;font-size:12.5px;display:grid;place-items:center}
.todo li b{display:block;color:var(--ink);font-size:14px}
.stack>*+*{margin-top:10px}

/* apps list */
.app-item{display:flex;gap:12px;align-items:center;padding:12px 0;border-top:1px solid var(--line)}
.app-item:first-child{border-top:0}
.app-item .a-ic{flex:0 0 40px;height:40px;border-radius:12px;background:#EEF2F8;display:grid;place-items:center;color:var(--navy-2)}
.app-item div{flex:1;min-width:0}
.app-item b{display:block;font-size:14px}
.app-item span{display:block;font-size:12.5px;color:var(--ink-3)}
.status{font-size:11.5px;font-weight:700;border-radius:6px;padding:3px 8px;background:#F5E9CF;color:#7A5A1E;white-space:nowrap}
.status.sent{background:#DDF1E6;color:var(--ok)}
.empty{text-align:center;padding:18px 8px;color:var(--ink-2);font-size:13.5px}
.empty .e-ic{width:56px;height:56px;margin:0 auto 10px;border-radius:16px;background:#EEF2F8;display:grid;place-items:center;color:var(--ink-3)}

/* contact */
.c-row{display:flex;gap:12px;align-items:flex-start;padding:12px 0;border-top:1px solid var(--line);text-decoration:none}
.c-row:first-child{border-top:0;padding-top:0}
.c-row .o-ic{flex:0 0 40px;height:40px;border-radius:12px;background:#EEF2F8;display:grid;place-items:center;color:var(--navy-2)}
.c-row div{flex:1}
.c-row b{display:block;font-size:14px}
.c-row span{display:block;font-size:13px;color:var(--ink-2)}
.c-row .go{color:var(--ink-3);align-self:center}
.lic-tbl{margin:0;display:grid;grid-template-columns:auto 1fr;gap:8px 12px;font-size:13px}
.lic-tbl dt{color:var(--ink-2)}
.lic-tbl dd{margin:0;text-align:right;font-weight:600;word-break:break-all}

/* tabbar */
.tabbar{position:fixed;left:50%;transform:translateX(-50%);bottom:0;width:100%;max-width:480px;z-index:30;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-top:1px solid var(--line);display:grid;grid-template-columns:repeat(3,1fr);padding-bottom:var(--sab);height:calc(var(--tab-h) + var(--sab))}
.tabbar button{border:0;background:none;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;font-size:11.5px;font-weight:600;color:var(--ink-3);cursor:pointer;min-height:var(--tab-h)}
.tabbar button[aria-current=page]{color:var(--navy)}
.tabbar button[aria-current=page] svg{color:var(--gold-d)}
.tabbar .mid{position:relative}
.tabbar .mid .bub{width:46px;height:46px;border-radius:50%;background:linear-gradient(160deg,var(--navy-2),var(--navy));color:var(--gold-2);display:grid;place-items:center;margin-top:-22px;box-shadow:0 6px 16px rgba(11,31,58,.3);border:3px solid #fff}
.tabbar .mid[aria-current=page] .bub svg{color:var(--gold-2)}

/* sheet */
.sheet-layer{position:fixed;inset:0;z-index:60;background:rgba(8,18,34,.5);display:flex;align-items:flex-end;justify-content:center}
.sheet-layer[hidden]{display:none}
.sheet{background:#fff;width:100%;max-width:480px;max-height:86dvh;overflow:auto;border-radius:20px 20px 0 0;padding:10px 18px calc(18px + var(--sab));animation:up .25s ease}
@keyframes up{from{transform:translateY(40px);opacity:.4}to{transform:none;opacity:1}}
.sheet .grip{width:40px;height:4px;border-radius:4px;background:#D5DBE4;margin:0 auto 12px}
.sheet h2{font-size:17px;margin:0 0 10px}
.sheet ol{padding-left:20px;margin:0 0 16px;font-size:13.5px;color:var(--ink-2);line-height:1.65}
.sheet ol li{margin-bottom:8px}
.sheet ul{padding-left:18px;margin:0 0 14px;font-size:13.5px;color:var(--ink-2);line-height:1.7}

.toast{position:fixed;left:50%;bottom:calc(var(--tab-h) + var(--sab) + 16px);transform:translate(-50%,20px);background:var(--navy);color:#fff;font-size:13.5px;padding:10px 16px;border-radius:12px;opacity:0;pointer-events:none;transition:.25s;z-index:80;max-width:88vw;text-align:center}
.toast.on{opacity:1;transform:translate(-50%,0)}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
@media (min-width:520px){body{padding:0}}
.result{scroll-margin-top:130px}
.legal .nw{white-space:nowrap}