:root {
  --ink: #22272b;
  --muted: #777e83;
  --line: #e9ecee;
  --brand: #1d9ed5;
  --mint: #3ed0b3;
  --orange: #ff7417;
  --footer: #f7f7f5;
  --page-width: 1200px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  color: var(--ink);
  background: #fff;
  font-family: "Microsoft YaHei", "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  -webkit-font-smoothing: antialiased;
}

button, input { font: inherit; }
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.site-header {
  width: min(var(--page-width), calc(100% - 48px));
  min-height: 96px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
}

.brand-mark {
  font: 800 30px/1 Georgia, "Times New Roman", serif;
  letter-spacing: -1.5px;
}

.site-nav {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: clamp(26px, 4.2vw, 62px);
  font-size: 14px;
  color: #333;
}

.site-nav a {
  position: relative;
  padding: 39px 0 36px;
  white-space: nowrap;
}

.site-nav a::after {
  content: "";
  position: absolute;
  left: 50%;
  bottom: 27px;
  width: 0;
  height: 2px;
  background: var(--brand);
  transition: width .2s ease, left .2s ease;
}

.site-nav a:hover::after,
.site-nav a:focus-visible::after,
.site-nav a.active::after { width: 100%; left: 0; }

.menu-toggle {
  display: none;
  width: 42px;
  height: 42px;
  border: 0;
  padding: 8px;
  background: transparent;
}

.menu-toggle span:not(.sr-only) {
  display: block;
  height: 2px;
  margin: 6px 0;
  background: #222;
}

.hero {
  width: 100%;
  height: clamp(250px, 26vw, 390px);
  overflow: hidden;
}

.hero img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 48%;
}

.breathing-space { height: clamp(90px, 12vw, 180px); }

.feature {
  width: min(var(--page-width), 100%);
  margin: 0 auto;
}

.feature-media {
  position: relative;
  margin: 0;
  overflow: hidden;
  background: #e9f6fb;
  border-top: 1px solid #edf0f1;
  border-bottom: 1px solid #edf0f1;
}

.feature-media img {
  width: 100%;
  height: auto;
  aspect-ratio: 2 / 1;
  object-fit: cover;
}

.date-stamp {
  position: absolute;
  top: 14px;
  right: 14px;
  padding: 7px 10px;
  color: #fff;
  background: rgba(17, 20, 24, .9);
  font-size: 14px;
  line-height: 1;
}

.article-meta {
  min-height: 44px;
  padding: 12px 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px 14px;
  flex-wrap: wrap;
  color: #666;
  border-bottom: 1px solid var(--line);
  font-size: 14px;
  line-height: 1.45;
}

.banner-meta {
  width: min(var(--page-width), 100%);
  margin: 0 auto;
  background: #fff;
}

.view-item { display: inline-flex; align-items: center; }
.view-item strong { color: #555; font-weight: 500; font-variant-numeric: tabular-nums; }

.article-body {
  width: min(900px, calc(100% - 48px));
  margin: 0 auto;
  padding: 78px 0 86px;
  color: #343a3f;
  font-family: "Noto Serif SC", "Source Han Serif SC", "Songti SC", SimSun, serif;
  font-size: 17px;
  line-height: 1.95;
}

.article-heading {
  position: relative;
  padding: 0 0 45px;
  border-bottom: 1px solid #e4edf1;
}

.article-heading::before {
  content: "";
  position: absolute;
  left: 0;
  top: 3px;
  width: 5px;
  height: 46px;
  border-radius: 4px;
  background: linear-gradient(180deg, #168ec8, #59c9e4);
}

.article-heading h1 {
  margin: 0 0 28px;
  padding-left: 24px;
  color: #162c39;
  font-family: "Microsoft YaHei", "PingFang SC", sans-serif;
  font-size: clamp(29px, 3.2vw, 42px);
  font-weight: 700;
  line-height: 1.35;
  letter-spacing: -.02em;
}

.article-lead {
  margin: 0;
  padding: 28px 32px;
  color: #425762;
  background: #f3f9fc;
  border-left: 2px solid #6abedc;
  font-size: 18px;
  line-height: 2;
}

.article-toc {
  margin: 32px 0 76px;
  padding: 21px 24px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border-top: 1px solid #dfe8ec;
  border-bottom: 1px solid #dfe8ec;
  font-family: "Microsoft YaHei", "PingFang SC", sans-serif;
}

.article-toc a {
  min-height: 48px;
  padding: 2px 19px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  border-right: 1px solid #e4eaed;
  color: #334b58;
  font-size: 14px;
  line-height: 1.45;
  transition: color .2s ease;
}

.article-toc a:last-child { border-right: 0; }
.article-toc a:hover { color: #0e87bf; }
.article-toc span { color: #2ba7d8; font-size: 11px; font-weight: 700; letter-spacing: .1em; }

.content-section {
  padding: 0 0 72px;
  scroll-margin-top: 24px;
}

.content-section + .content-section {
  padding-top: 68px;
  border-top: 1px solid #e7ecef;
}

.content-section > h2 {
  margin: 0 0 32px;
  display: flex;
  align-items: center;
  gap: 15px;
  color: #16384b;
  font-family: "Microsoft YaHei", "PingFang SC", sans-serif;
  font-size: 28px;
  line-height: 1.4;
}

.content-section > h2 > span {
  display: grid;
  place-items: center;
  width: 44px;
  height: 44px;
  flex: 0 0 44px;
  border-radius: 50%;
  color: #fff;
  background: #168ec8;
  font-size: 14px;
  letter-spacing: .04em;
}

.content-section > h3 {
  margin: 42px 0 20px;
  color: #1f3947;
  font-family: "Microsoft YaHei", "PingFang SC", sans-serif;
  font-size: 20px;
  line-height: 1.5;
}

.content-section p { margin: 0 0 20px; }

.coverage-list {
  margin: 25px 0 50px;
  padding: 0;
  list-style: none;
  counter-reset: coverage;
}

.coverage-list li {
  position: relative;
  min-height: 74px;
  padding: 21px 0 21px 68px;
  border-bottom: 1px solid #e9edef;
  counter-increment: coverage;
}

.coverage-list li::before {
  content: counter(coverage, decimal-leading-zero);
  position: absolute;
  left: 0;
  top: 24px;
  color: #31adcf;
  font: 700 18px/1 "Microsoft YaHei", "PingFang SC", sans-serif;
  letter-spacing: .05em;
}

.coverage-list strong {
  color: #1c3e50;
  font-family: "Microsoft YaHei", "PingFang SC", sans-serif;
  font-size: 17px;
}

.coverage-list p { margin: 8px 0 0; color: #5c656a; }

.insurance-modes {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 22px;
}

.insurance-modes article {
  padding: 28px 30px 25px;
  background: #f8fbfc;
  border-top: 3px solid #259fcb;
}

.insurance-modes article:last-child { border-top-color: #44c4aa; }
.insurance-modes p { margin: 14px 0 0; color: #59676e; font-size: 15px; line-height: 1.9; }

.mode-title {
  color: #18394a;
  font-family: "Microsoft YaHei", "PingFang SC", sans-serif;
  font-size: 18px;
  font-weight: 600;
}

.mode-title span {
  display: inline-block;
  margin-right: 10px;
  padding: 4px 10px;
  color: #fff;
  background: #1b94c4;
  border-radius: 3px;
  font-size: 13px;
}

.insurance-modes article:last-child .mode-title span { background: #28ae94; }

.comparison-table-wrap {
  margin: 30px 0 48px;
  overflow-x: auto;
  border: 1px solid #dbe5e9;
}

.table-hint { display: none; }

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  font-family: "Microsoft YaHei", "PingFang SC", sans-serif;
  font-size: 14px;
  line-height: 1.7;
}

.comparison-table th,
.comparison-table td {
  min-width: 178px;
  padding: 18px 19px;
  border-right: 1px solid #dfe7ea;
  border-bottom: 1px solid #dfe7ea;
  text-align: left;
  vertical-align: top;
}

.comparison-table th:last-child,
.comparison-table td:last-child { border-right: 0; }
.comparison-table tbody tr:last-child th,
.comparison-table tbody tr:last-child td { border-bottom: 0; }
.comparison-table thead th { color: #fff; background: #187fae; font-weight: 600; }
.comparison-table thead th:first-child { min-width: 118px; background: #126b91; }
.comparison-table tbody th { min-width: 118px; color: #1b4860; background: #eff7fa; font-weight: 600; }
.comparison-table tbody td { color: #4e5e66; background: #fff; }

.comparison-notes {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 36px;
}

.comparison-notes article { padding-left: 22px; border-left: 3px solid #7fc7dd; }
.comparison-notes article:last-child { border-left-color: #72cdbb; }
.comparison-notes h3 { margin: 0 0 12px; color: #1e465a; font-family: "Microsoft YaHei", "PingFang SC", sans-serif; font-size: 18px; }
.comparison-notes p { margin: 0; color: #59676d; font-size: 15px; line-height: 1.9; }

.reason-list {
  margin: 36px 0 0;
  padding: 0;
  list-style: none;
}

.reason-list li {
  display: grid;
  grid-template-columns: 62px 1fr;
  gap: 25px;
  padding: 30px 0;
  border-bottom: 1px solid #e5ebee;
}

.reason-list li:first-child { border-top: 1px solid #e5ebee; }
.reason-number { color: #37afcf; font: 700 21px/1.4 "Microsoft YaHei", "PingFang SC", sans-serif; }
.reason-list h3 { margin: 0 0 8px; color: #203e4d; font-family: "Microsoft YaHei", "PingFang SC", sans-serif; font-size: 19px; }
.reason-list p { margin: 0; color: #59676d; }

.buyer-guide { margin-top: 34px; border-top: 1px solid #e4eaed; }
.buyer-guide article { display: grid; grid-template-columns: 70px 1fr; gap: 24px; padding: 31px 0; border-bottom: 1px solid #e4eaed; }
.guide-index { color: #d4e8ef; font: 700 35px/1 "Microsoft YaHei", "PingFang SC", sans-serif; }
.buyer-guide h3 { margin: 0 0 10px; color: #1b4154; font-family: "Microsoft YaHei", "PingFang SC", sans-serif; font-size: 20px; }
.buyer-guide p { margin: 0; color: #56646b; }
.buyer-guide .guide-detail { margin-top: 13px; padding: 15px 19px; color: #3f5b69; background: #f2f8fa; border-left: 2px solid #53b8d4; font-size: 15px; }

.article-conclusion {
  margin-top: 12px;
  padding: 42px 46px;
  color: #254555;
  background: linear-gradient(135deg, #eef8fb 0%, #f8fcfd 100%);
  border-top: 3px solid #2499c4;
}

.article-conclusion h2 {
  margin: 0 0 18px;
  color: #16435a;
  font-family: "Microsoft YaHei", "PingFang SC", sans-serif;
  font-size: 24px;
}

.article-conclusion p { margin: 0; }
.article-disclaimer {
  margin-top: 25px !important;
  padding-top: 22px;
  color: #75838a;
  border-top: 1px solid #d6e7ed;
  font-family: "Microsoft YaHei", "PingFang SC", sans-serif;
  font-size: 13px;
  line-height: 1.75;
}

.service-grid {
  width: min(var(--page-width), calc(100% - 48px));
  margin: 0 auto;
  padding: 54px 0 60px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 42px;
  text-align: center;
}

.service-item svg {
  width: 58px;
  height: 58px;
  margin: 0 auto 17px;
  fill: none;
  stroke: var(--mint);
  stroke-width: 2.4;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.service-item h2 { margin: 0 0 13px; color: #62696e; font-size: 17px; font-weight: 500; }
.service-item p { margin: 0; color: #a1a6aa; font-size: 13px; line-height: 1.75; }

.promise-strip {
  min-height: 56px;
  display: grid;
  grid-template-columns: repeat(4, auto);
  align-items: center;
  justify-content: center;
  gap: clamp(34px, 7vw, 100px);
  padding: 10px 24px;
  color: #fff8ef;
  background: var(--orange);
  font-size: 14px;
}

.promise-strip span { display: inline-flex; align-items: center; gap: 9px; white-space: nowrap; }
.promise-strip b {
  display: grid;
  place-items: center;
  width: 28px;
  height: 28px;
  border: 2px solid rgba(255,255,255,.78);
  border-radius: 50%;
  font-size: 13px;
}

.site-footer { background: var(--footer); }

.footer-inner {
  width: min(var(--page-width), calc(100% - 56px));
  margin: 0 auto;
  padding: 54px 0 46px;
  display: grid;
  grid-template-columns: 1fr 1.1fr 1fr 1.8fr;
  gap: 56px;
}

.footer-inner h2 { margin: 0 0 20px; font-size: 17px; font-weight: 500; }
.footer-inner a { display: inline-block; margin: 0 12px 10px 0; color: #555; font-size: 13px; }
.footer-inner a:hover { color: var(--brand); }
.customer-service { position: relative; min-height: 128px; padding-right: 150px; }
.customer-service p { margin: 0; color: #f0a36f; font-size: 16px; white-space: nowrap; }
.customer-service strong { font-size: 18px; }
.qr-placeholder { position: absolute; top: 0; right: 0; width: 126px; height: 126px; padding: 5px; background: #fff; }
.qr-placeholder svg { width: 100%; height: 100%; }

.footer-legal {
  padding: 19px 24px 30px;
  border-top: 1px solid #e6e6e4;
  text-align: center;
  color: #777;
  font-size: 12px;
  line-height: 1.85;
}

.footer-legal p { margin: 2px 0; }
.footer-legal span { margin: 0 5px; color: #bbb; }

.floating-tools {
  position: fixed;
  z-index: 5;
  right: 0;
  top: 54%;
  display: grid;
  width: 46px;
  background: #fff;
  border: 1px solid #e5e7e8;
  box-shadow: 0 3px 15px rgba(0,0,0,.08);
}

.floating-tools a,
.floating-tools button {
  width: 45px;
  height: 46px;
  display: grid;
  place-items: center;
  border: 0;
  border-bottom: 1px solid #eceeef;
  color: #596066;
  background: #fff;
  cursor: pointer;
}

.floating-tools a:hover,
.floating-tools button:hover { color: var(--brand); background: #f2f9fc; }
.floating-tools svg { width: 19px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }

.subpage-main { overflow: hidden; }

.page-banner {
  width: min(var(--page-width), 100%);
  margin: 0 auto;
  background: #e8f6fc;
  overflow: hidden;
}

.page-banner img {
  width: 100%;
  height: auto;
  aspect-ratio: 2 / 1;
  object-fit: cover;
}

.page-intro,
.editorial-split,
.route-section,
.content-band,
.fit-guide,
.document-list,
.feature-story,
.topic-list,
.about-statement,
.values-list,
.site-map,
.faq-section,
.glossary,
.contact-panel,
.calm-cta {
  width: min(1040px, calc(100% - 48px));
  margin-inline: auto;
}

.page-intro {
  padding: 84px 0 78px;
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 90px;
  align-items: end;
  border-bottom: 1px solid var(--line);
}

.page-intro h1,
.section-heading h2,
.editorial-copy h2,
.fit-guide h2,
.document-list h2,
.feature-story h2,
.about-statement h2,
.site-map h2,
.glossary h2,
.contact-panel h2,
.calm-cta h2 {
  margin: 0;
  color: #153648;
  line-height: 1.28;
}

.page-intro h1 { font-size: clamp(34px, 4vw, 54px); letter-spacing: -.04em; }
.page-intro .lead { margin: 0; color: #5f6c73; font-size: 18px; line-height: 1.9; }
.section-label { margin: 0 0 14px; color: #158ebf; font-size: 13px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; }
.section-heading { margin-bottom: 44px; }
.section-heading h2, .editorial-copy h2, .fit-guide h2, .document-list h2, .feature-story h2, .site-map h2, .glossary h2, .contact-panel h2, .calm-cta h2 { font-size: clamp(27px, 3vw, 38px); }

.editorial-split {
  padding: 82px 0;
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 90px;
  align-items: start;
}
.editorial-copy > p:not(.section-label) { margin: 24px 0; color: #5f6c73; font-size: 17px; line-height: 1.9; }
.text-link { display: inline-flex; gap: 10px; margin-top: 8px; color: #137fb0; font-weight: 700; }
.text-link:hover { color: #0d668e; }

.number-list { margin: 0; padding: 0; list-style: none; border-top: 1px solid #cddde5; }
.number-list li { display: grid; grid-template-columns: 56px 1fr; gap: 20px; padding: 24px 0; border-bottom: 1px solid var(--line); }
.number-list li > span { color: #169bcf; font: 700 15px/1.5 Georgia, serif; }
.number-list strong { color: #213842; font-size: 18px; }
.number-list p { margin: 7px 0 0; color: #6c777d; line-height: 1.75; }
.number-list.four { display: grid; grid-template-columns: repeat(2, 1fr); column-gap: 54px; }

.route-section, .content-band, .topic-list, .values-list, .faq-section { padding: 82px 0; }
.route-section, .content-band, .values-list { border-top: 1px solid var(--line); }
.route-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.route-grid a { min-height: 270px; padding: 34px 30px; border: 1px solid #dce8ed; background: #fff; transition: transform .2s ease, border-color .2s ease, box-shadow .2s ease; }
.route-grid a:hover { transform: translateY(-4px); border-color: #9dd2e5; box-shadow: 0 14px 34px rgba(30, 94, 121, .09); }
.route-grid span { color: #18a0d3; font: 700 14px Georgia, serif; }
.route-grid h3 { margin: 54px 0 13px; color: #193b4b; font-size: 23px; }
.route-grid p { min-height: 52px; margin: 0 0 24px; color: #6a757b; line-height: 1.7; }
.route-grid b { color: #147fae; font-size: 14px; }

.calm-cta { margin-top: 20px; margin-bottom: 90px; padding: 42px 46px; display: grid; grid-template-columns: 1.2fr 1fr auto; gap: 40px; align-items: center; background: #eaf7fb; border-left: 4px solid #1b9ed1; }
.calm-cta h2 { font-size: clamp(24px, 2.5vw, 32px); }
.calm-cta > p { margin: 0; color: #5e7079; line-height: 1.75; }
.calm-cta > a { padding: 12px 19px; color: #fff; background: #167fac; white-space: nowrap; font-weight: 700; font-size: 14px; }

.mode-panels { display: grid; gap: 18px; }
.mode-panels article { padding: 28px 30px; border-left: 3px solid #28a5d4; background: #f6fbfd; }
.mode-panels span { color: #199dcc; font: 700 13px Georgia, serif; }
.mode-panels h3 { margin: 9px 0 10px; color: #1d3b48; font-size: 22px; }
.mode-panels p { margin: 0; color: #66747b; line-height: 1.8; }

.fit-guide, .document-list, .glossary { padding: 72px 0; display: grid; grid-template-columns: .75fr 1.25fr; gap: 80px; border-top: 1px solid var(--line); }
.fit-guide dl, .values-list dl, .glossary dl { margin: 0; }
.fit-guide dl > div, .values-list dl > div, .glossary dl > div { padding: 22px 0; display: grid; grid-template-columns: 140px 1fr; gap: 30px; border-bottom: 1px solid var(--line); }
.fit-guide dt, .values-list dt, .glossary dt { color: #1b4151; font-weight: 700; }
.fit-guide dd, .values-list dd, .glossary dd { margin: 0; color: #65737a; line-height: 1.8; }

.process-line { margin: 0; padding: 0; list-style: none; display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border-top: 1px solid #cfdfe6; }
.process-line li { padding: 28px 32px 8px 0; border-right: 1px solid var(--line); }
.process-line li + li { padding-left: 32px; }
.process-line li:last-child { border-right: 0; }
.process-line span { color: #149acd; font: 700 14px Georgia, serif; }
.process-line h3 { margin: 32px 0 12px; color: #1e3f4d; font-size: 20px; }
.process-line p { margin: 0; color: #67757b; line-height: 1.8; }

.document-list ul { margin: 0; padding: 0; list-style: none; columns: 2; column-gap: 36px; }
.document-list li { break-inside: avoid; margin-bottom: 12px; padding: 15px 18px; color: #53666f; background: #f3f9fb; }

.feature-story { padding: 78px 0; display: grid; grid-template-columns: 160px 1fr; gap: 60px; border-bottom: 1px solid var(--line); }
.story-number { color: #c7e8f4; font: 700 120px/.85 Georgia, serif; }
.feature-story p:not(.section-label) { max-width: 720px; color: #637078; font-size: 17px; line-height: 1.9; }
.topic-list article { display: grid; grid-template-columns: 170px 1fr; gap: 44px; padding: 28px 0; border-top: 1px solid var(--line); }
.topic-list article > span { color: #168ebd; font-weight: 700; }
.topic-list h3 { margin: 0 0 9px; color: #1d3f4d; font-size: 21px; }
.topic-list article p { margin: 0; color: #68757b; line-height: 1.8; }

.about-statement { padding: 82px 0; display: grid; grid-template-columns: 1fr 1fr; gap: 90px; border-bottom: 1px solid var(--line); }
.about-statement h2 { font-size: clamp(28px, 3.3vw, 42px); }
.about-statement > div:last-child p { margin: 0 0 20px; color: #5f6e75; font-size: 17px; line-height: 1.9; }
.values-list dl { display: grid; grid-template-columns: repeat(3, 1fr); gap: 34px; }
.values-list dl > div { display: block; padding: 25px 0; border-top: 3px solid #bfe4f1; border-bottom: 0; }
.values-list dt { margin-bottom: 16px; font-size: 22px; }
.site-map { padding: 76px 0; display: grid; grid-template-columns: .7fr 1.3fr; gap: 80px; border-top: 1px solid var(--line); }
.site-map nav { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; background: #dfeaed; border: 1px solid #dfeaed; }
.site-map nav a { min-height: 105px; padding: 24px; display: flex; flex-direction: column; gap: 8px; background: #fff; }
.site-map nav a:hover { background: #f2f9fb; }
.site-map b { color: #1b4050; }
.site-map span { color: #778288; font-size: 13px; }

.faq-list { border-top: 1px solid #bdd9e3; }
.faq-list details { border-bottom: 1px solid var(--line); }
.faq-list summary { position: relative; padding: 24px 50px 24px 0; color: #1f3e4b; font-size: 18px; font-weight: 700; cursor: pointer; list-style: none; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: "+"; position: absolute; right: 8px; top: 20px; color: #168fbd; font-size: 26px; font-weight: 400; }
.faq-list details[open] summary::after { content: "−"; }
.faq-list details p { max-width: 840px; margin: -5px 0 26px; color: #64737a; line-height: 1.85; }
.contact-panel { margin-top: 22px; margin-bottom: 76px; padding: 48px; display: grid; grid-template-columns: 1fr 270px; gap: 70px; align-items: center; color: #fff; background: #126f9b; }
.contact-panel h2 { color: #fff; }
.contact-panel .section-label { color: #aee7fb; }
.contact-panel p:not(.section-label) { color: #e1f2f8; line-height: 1.8; }
.contact-panel > a { padding: 24px; display: flex; flex-direction: column; background: rgba(255,255,255,.12); }
.contact-panel > a span { font-size: 13px; }
.contact-panel > a strong { margin-top: 5px; font-size: 34px; letter-spacing: .08em; }

.compact-footer .customer-service { padding-right: 0; }
.compact-footer .customer-service p { margin-bottom: 8px; white-space: normal; line-height: 1.6; }

@media (max-width: 900px) {
  .site-header { min-height: 74px; position: relative; }
  .brand-mark { font-size: 26px; }
  .menu-toggle { display: block; }
  .site-nav {
    position: absolute;
    z-index: 10;
    top: 64px;
    left: 0;
    right: 0;
    display: none;
    padding: 12px 18px;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: #fff;
    border: 1px solid var(--line);
    box-shadow: 0 12px 26px rgba(0,0,0,.08);
  }
  .site-nav.open { display: flex; }
  .site-nav a { padding: 13px 5px; }
  .site-nav a::after { display: none; }
  .hero { height: clamp(185px, 35vw, 280px); }
  .article-toc { grid-template-columns: repeat(2, 1fr); }
  .article-toc a:nth-child(2) { border-right: 0; }
  .article-toc a:nth-child(-n+2) { border-bottom: 1px solid #e4eaed; }
  .service-grid { grid-template-columns: repeat(2, 1fr); gap: 46px 30px; }
  .promise-strip { grid-template-columns: repeat(2, auto); gap: 14px 50px; padding: 16px 24px; }
  .footer-inner { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 600px) {
  .site-header { width: calc(100% - 30px); }
  .hero { height: 180px; }
  .hero img { object-position: 67% 50%; }
  .breathing-space { height: 48px; }
  .feature-media img { aspect-ratio: 2 / 1; }
  .date-stamp { top: 7px; right: 7px; padding: 6px 7px; font-size: 11px; }
  .article-meta { justify-content: flex-start; padding: 11px 15px; gap: 5px 10px; font-size: 12px; }
  .article-meta > span:first-child { flex-basis: 100%; }
  .article-body { width: calc(100% - 32px); padding: 48px 0 58px; font-size: 16px; line-height: 1.9; }
  .article-heading { padding-bottom: 34px; }
  .article-heading::before { width: 4px; height: 39px; }
  .article-heading h1 { margin-bottom: 23px; padding-left: 17px; font-size: 27px; line-height: 1.35; }
  .article-lead { padding: 20px 19px; font-size: 16px; line-height: 1.9; }
  .article-toc { margin: 24px 0 54px; padding: 12px 8px; }
  .article-toc a { min-height: 55px; padding: 7px 11px; font-size: 13px; }
  .content-section { padding-bottom: 54px; }
  .content-section + .content-section { padding-top: 52px; }
  .content-section > h2 { margin-bottom: 26px; gap: 11px; font-size: 23px; }
  .content-section > h2 > span { width: 38px; height: 38px; flex-basis: 38px; font-size: 12px; }
  .content-section > h3 { margin-top: 34px; font-size: 18px; }
  .coverage-list { margin-bottom: 40px; }
  .coverage-list li { padding: 20px 0 20px 48px; }
  .insurance-modes,
  .comparison-notes { grid-template-columns: 1fr; gap: 18px; }
  .insurance-modes article { padding: 23px 21px 20px; }
  .comparison-table th,
  .comparison-table td { min-width: 168px; padding: 15px; }
  .table-hint { display: block; margin: 22px 0 -17px !important; color: #7d8e96; font-family: "Microsoft YaHei", "PingFang SC", sans-serif; font-size: 12px; text-align: right; }
  .comparison-table thead th:first-child,
  .comparison-table tbody th { min-width: 102px; }
  .comparison-notes { gap: 31px; }
  .reason-list li { grid-template-columns: 44px 1fr; gap: 11px; padding: 25px 0; }
  .reason-number { font-size: 17px; }
  .reason-list h3 { font-size: 17px; }
  .buyer-guide article { grid-template-columns: 44px 1fr; gap: 12px; padding: 27px 0; }
  .guide-index { font-size: 25px; }
  .buyer-guide h3 { font-size: 18px; }
  .buyer-guide .guide-detail { margin-left: -56px; margin-top: 17px; padding: 15px; }
  .article-conclusion { padding: 31px 23px; }
  .article-conclusion h2 { font-size: 21px; }
  .service-grid { width: calc(100% - 32px); padding: 39px 0 43px; gap: 38px 18px; }
  .service-item svg { width: 48px; height: 48px; }
  .service-item h2 { font-size: 15px; }
  .service-item p { font-size: 11px; }
  .promise-strip { grid-template-columns: repeat(2, 1fr); gap: 12px; font-size: 11px; }
  .promise-strip b { width: 24px; height: 24px; font-size: 11px; }
  .footer-inner { width: calc(100% - 36px); grid-template-columns: repeat(2, 1fr); gap: 34px 22px; padding: 38px 0; }
  .customer-service { grid-column: 1 / -1; padding-right: 120px; }
  .customer-service p { white-space: normal; font-size: 14px; }
  .qr-placeholder { width: 102px; height: 102px; }
  .floating-tools { top: auto; bottom: 20px; right: 10px; grid-auto-flow: column; width: auto; }
  .floating-tools a, .floating-tools button { width: 42px; height: 42px; border-bottom: 0; border-right: 1px solid #eceeef; }
}

@media (max-width: 900px) {
  .page-intro,
  .editorial-split,
  .about-statement { grid-template-columns: 1fr; gap: 32px; }
  .page-intro { padding: 62px 0 58px; }
  .editorial-split { padding: 64px 0; }
  .route-grid, .process-line, .values-list dl { grid-template-columns: 1fr; }
  .route-grid a { min-height: 0; }
  .route-grid h3 { margin-top: 28px; }
  .route-grid p { min-height: 0; }
  .process-line li, .process-line li + li { padding: 24px 0; border-right: 0; border-bottom: 1px solid var(--line); }
  .process-line h3 { margin-top: 14px; }
  .calm-cta { grid-template-columns: 1fr; gap: 24px; }
  .fit-guide, .document-list, .glossary, .site-map { grid-template-columns: 1fr; gap: 34px; }
  .feature-story { grid-template-columns: 100px 1fr; gap: 38px; }
  .story-number { font-size: 86px; }
  .contact-panel { grid-template-columns: 1fr 230px; gap: 35px; }
}

@media (max-width: 600px) {
  .page-intro,
  .editorial-split,
  .route-section,
  .content-band,
  .fit-guide,
  .document-list,
  .feature-story,
  .topic-list,
  .about-statement,
  .values-list,
  .site-map,
  .faq-section,
  .glossary,
  .contact-panel,
  .calm-cta { width: calc(100% - 32px); }
  .page-intro { padding: 44px 0 42px; }
  .page-intro h1 { font-size: 34px; }
  .page-intro .lead { font-size: 16px; line-height: 1.8; }
  .editorial-split, .route-section, .content-band, .topic-list, .values-list, .faq-section { padding: 52px 0; }
  .number-list.four { grid-template-columns: 1fr; column-gap: 0; }
  .number-list li { grid-template-columns: 45px 1fr; gap: 12px; }
  .calm-cta { margin-bottom: 58px; padding: 30px 25px; }
  .fit-guide, .document-list, .glossary, .site-map { padding: 52px 0; }
  .fit-guide dl > div, .glossary dl > div { grid-template-columns: 1fr; gap: 8px; }
  .document-list ul { columns: 1; }
  .feature-story { padding: 52px 0; grid-template-columns: 1fr; gap: 12px; }
  .story-number { font-size: 62px; }
  .topic-list article { grid-template-columns: 1fr; gap: 10px; }
  .about-statement { padding: 54px 0; }
  .values-list dl { gap: 0; }
  .site-map nav { grid-template-columns: 1fr; }
  .contact-panel { grid-template-columns: 1fr; gap: 24px; padding: 30px 25px; }
  .contact-panel > a { padding: 20px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; }
}