:root{--gold: #D4831A;--gold-deep: #A3621A;--gold-light: #F5A623;--gold-pale: #FFF3E0;--gold-glow: rgba(212,131,26,.15);--coral: #E8562B;--coral-deep: #B83E1A;--coral-pale: #FFF1EE;--navy: #0E1C36;--navy-2: #162848;--navy-3: #1F3860;--ink: #1A1F2E;--ink-2: #3A4160;--ink-3: #6B7280;--divider: #E5E8F0;--bg: #F8F9FC;--bg-2: #FFFFFF;--green-dot: #22C55E;--radius: 12px;--radius-lg: 20px;--shadow-sm: 0 2px 8px rgba(14,28,54,.08);--shadow-md: 0 6px 24px rgba(14,28,54,.12);--shadow-lg: 0 16px 48px rgba(14,28,54,.18);--transition: .15s cubic-bezier(.4,0,.2,1);--font: -apple-system, BlinkMacSystemFont, "PingFang SC", "Microsoft YaHei", "Noto Sans SC", "Source Han Sans SC", "Helvetica Neue", Arial, sans-serif}*,*: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:16px;line-height:1.75;color:var(--ink);background:var(--bg);overflow-x:hidden}a{color:var(--gold);text-decoration:none;transition:color var(--transition)}a:hover{color:var(--coral)}img{max-width:100%;display:block}ul{list-style:none}button{cursor:pointer;font-family:var(--font);border:none}.reveal{opacity:0;transform:translateY(28px);transition:opacity .6s ease,transform .6s ease}.reveal.visible{opacity:1;transform:translateY(0)}@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}}.container{max-width:1180px;margin:0 auto;padding:0 24px}.section{padding:80px 0}.section-sm{padding:56px 0}.section-title{font-size:clamp(1.5rem,3vw,2rem);font-weight:700;color:var(--navy);line-height:1.3;letter-spacing:-.02em}.section-subtitle{font-size:1.05rem;color:var(--ink-3);margin-top:10px;line-height:1.6}.title-line{display:inline-block;width:40px;height:4px;background:linear-gradient(90deg,var(--gold),var(--coral));border-radius:2px;margin-bottom:16px}.nav{position:fixed;top:0;left:0;right:0;z-index:1000;padding:20px 0;transition:background .35s ease,padding .35s ease,box-shadow .35s ease}.nav.scrolled{background:var(--navy);padding:12px 0;box-shadow:0 2px 20px #00000040}.nav-inner{display:flex;align-items:center;justify-content:space-between;max-width:1180px;margin:0 auto;padding:0 24px}.nav-logo{display:flex;align-items:center;gap:10px;color:#fff;font-weight:700;font-size:1.2rem;letter-spacing:-.01em}.nav-logo-icon{width:36px;height:36px;background:linear-gradient(135deg,var(--gold),var(--gold-light));border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:18px;box-shadow:0 2px 8px #d4831a66}.nav-logo-badge{font-size:.62rem;font-weight:600;color:var(--gold-light);background:#d4831a33;border-radius:4px;padding:2px 6px;margin-left:4px;letter-spacing:.04em}.nav-links{display:flex;align-items:center;gap:32px}.nav-links a{color:#ffffffd9;font-size:.9rem;font-weight:500;transition:color var(--transition);position:relative}.nav-links a:after{content:"";position:absolute;bottom:-4px;left:0;right:100%;height:2px;background:var(--gold-light);transition:right var(--transition)}.nav-links a:hover{color:#fff}.nav-links a:hover:after{right:0}.nav-cta{padding:9px 22px;background:linear-gradient(135deg,var(--gold),var(--gold-light));color:#fff!important;border-radius:8px;font-weight:600;font-size:.88rem;letter-spacing:.02em;box-shadow:0 2px 12px #d4831a59;transition:transform var(--transition),box-shadow var(--transition)!important}.nav-cta:hover{transform:translateY(-1px)!important;box-shadow:0 4px 18px #d4831a80!important}.nav-cta:after{display:none!important}.nav-hamburger{display:none;flex-direction:column;gap:5px;background:none;padding:4px}.nav-hamburger span{display:block;width:22px;height:2px;background:#fff;border-radius:2px;transition:transform .3s ease,opacity .3s ease}.nav-hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}.nav-hamburger.open span:nth-child(2){opacity:0}.nav-hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}.nav-mobile{display:none;flex-direction:column;gap:4px;background:var(--navy);padding:16px 24px;border-top:1px solid rgba(255,255,255,.1)}.nav-mobile.open{display:flex}.nav-mobile a{color:#ffffffd9;font-size:.95rem;font-weight:500;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.08)}.nav-mobile a:last-child{border-bottom:none}.hero{position:relative;min-height:100vh;display:flex;align-items:center;overflow:hidden}.hero-bg{position:absolute;inset:0;background-image:url(https://img.jifen.help/rehost/684450d98a8c.jpg);background-size:cover;background-position:center 40%;transform:scale(1.03);transition:transform 8s ease}.hero-bg.loaded{transform:scale(1)}.hero-overlay{position:absolute;inset:0;background:linear-gradient(135deg,#0e1c36d1,#0e1c36ad 40%,#64320a8c)}.hero-particles{position:absolute;inset:0;pointer-events:none;overflow:hidden}.particle{position:absolute;width:2px;height:2px;background:#d4831a99;border-radius:50%;animation:float linear infinite}@keyframes float{0%{opacity:0;transform:translateY(100vh) translate(0)}10%{opacity:1}90%{opacity:.7}to{opacity:0;transform:translateY(-10vh) translate(20px)}}.hero-content{position:relative;z-index:2;max-width:1180px;margin:0 auto;padding:100px 24px 0}.hero-badge{display:inline-flex;align-items:center;gap:8px;background:#d4831a33;border:1px solid rgba(212,131,26,.4);border-radius:30px;padding:7px 18px;margin-bottom:28px;color:var(--gold-light);font-size:.82rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;backdrop-filter:blur(8px)}.hero-badge-dot{width:8px;height:8px;border-radius:50%;background:var(--gold-light);animation:pulse-dot 2s infinite}@keyframes pulse-dot{0%,to{opacity:1;transform:scale(1)}50%{opacity:.6;transform:scale(.8)}}.hero-title{font-size:clamp(2.2rem,5.5vw,4rem);font-weight:800;color:#fff;line-height:1.15;letter-spacing:-.03em;margin-bottom:20px}.hero-title em{font-style:normal;background:linear-gradient(135deg,var(--gold-light),var(--coral));-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}.hero-desc{font-size:clamp(1rem,1.6vw,1.18rem);color:#fffc;max-width:560px;line-height:1.7;margin-bottom:36px}.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:56px}.btn-primary{display:inline-flex;align-items:center;gap:8px;padding:14px 30px;background:linear-gradient(135deg,var(--gold),var(--gold-light));color:#fff;font-weight:700;font-size:1rem;border-radius:10px;box-shadow:0 4px 20px #d4831a73;transition:transform var(--transition),box-shadow var(--transition);min-height:48px}.btn-primary:hover{transform:translateY(-2px);color:#fff;box-shadow:0 8px 28px #d4831a99}.btn-primary:active{transform:translateY(0)}.btn-secondary{display:inline-flex;align-items:center;gap:8px;padding:14px 30px;border:1.5px solid rgba(255,255,255,.35);color:#fff;font-weight:600;font-size:1rem;border-radius:10px;backdrop-filter:blur(8px);background:#ffffff14;transition:border-color var(--transition),background var(--transition);min-height:48px}.btn-secondary:hover{border-color:var(--gold-light);color:var(--gold-light);background:#d4831a1f}.hero-stats{display:flex;flex-wrap:wrap;gap:32px}.hero-stat{text-align:left}.hero-stat-num{font-size:1.8rem;font-weight:800;color:var(--gold-light);line-height:1;letter-spacing:-.03em}.hero-stat-lbl{font-size:.78rem;color:#fff9;margin-top:4px;letter-spacing:.03em}.hero-scroll-hint{position:absolute;bottom:32px;left:50%;transform:translate(-50%);z-index:2;display:flex;flex-direction:column;align-items:center;gap:8px;color:#ffffff80;font-size:.72rem;letter-spacing:.08em}.scroll-arrow{width:24px;height:24px;border-right:2px solid rgba(255,255,255,.4);border-bottom:2px solid rgba(255,255,255,.4);transform:rotate(45deg);animation:scroll-bounce 2s infinite}@keyframes scroll-bounce{0%,to{transform:rotate(45deg) translateY(0)}50%{transform:rotate(45deg) translateY(5px)}}.trust-bar{background:var(--navy);padding:18px 0;border-top:1px solid rgba(255,255,255,.06)}.trust-inner{max-width:1180px;margin:0 auto;padding:0 24px;display:flex;flex-wrap:wrap;gap:24px;align-items:center;justify-content:space-between}.trust-item{display:flex;align-items:center;gap:10px;color:#ffffffa6;font-size:.82rem}.trust-icon{width:28px;height:28px;background:#d4831a33;border-radius:6px;display:flex;align-items:center;justify-content:center;font-size:14px}.cats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:40px}.cat-card{background:var(--bg-2);border-radius:var(--radius-lg);padding:28px 24px;position:relative;overflow:hidden;border:1.5px solid transparent;box-shadow:var(--shadow-sm);transition:transform var(--transition),box-shadow var(--transition),border-color var(--transition);cursor:pointer}.cat-card:before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--gold),var(--coral));opacity:0;transition:opacity var(--transition)}.cat-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);border-color:var(--gold-pale)}.cat-card:hover:before{opacity:1}.cat-icon{width:52px;height:52px;border-radius:14px;display:flex;align-items:center;justify-content:center;font-size:24px;margin-bottom:16px;background:var(--gold-pale)}.cat-card:nth-child(2) .cat-icon{background:#fff0ea}.cat-card:nth-child(3) .cat-icon{background:#eef2ff}.cat-card:nth-child(4) .cat-icon{background:#f0fdf4}.cat-name{font-size:1.05rem;font-weight:700;color:var(--navy);margin-bottom:8px}.cat-desc{font-size:.85rem;color:var(--ink-3);line-height:1.6}.cat-count{display:inline-block;margin-top:14px;font-size:.75rem;font-weight:600;color:var(--gold);background:var(--gold-pale);padding:4px 10px;border-radius:20px;letter-spacing:.04em}.stats-band{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 50%,var(--navy-3) 100%);padding:64px 0;position:relative;overflow:hidden}.stats-band:before{content:"";position:absolute;top:-60%;right:-10%;width:500px;height:500px;background:radial-gradient(circle,rgba(212,131,26,.12) 0%,transparent 70%);pointer-events:none}.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;text-align:center}.stat-item{position:relative}.stat-item:not(:last-child):after{content:"";position:absolute;top:20%;right:0;bottom:20%;width:1px;background:#ffffff1a}.stat-num{font-size:clamp(2rem,4vw,2.8rem);font-weight:800;color:var(--gold-light);letter-spacing:-.03em;line-height:1}.stat-unit{font-size:1rem;color:var(--coral);font-weight:700}.stat-label{font-size:.85rem;color:#fff9;margin-top:10px}.programs-section{background:var(--bg-2)}.programs-header{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:36px}.programs-filter{display:flex;gap:8px;flex-wrap:wrap}.filter-btn{padding:7px 16px;border-radius:20px;font-size:.82rem;font-weight:600;background:var(--bg);color:var(--ink-3);border:1.5px solid var(--divider);transition:all 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0}.prog-verdict{font-size:.8rem;color:var(--ink-3);line-height:1.5;padding-top:4px}.prog-cta{display:block;width:100%;margin-top:16px;padding:10px;text-align:center;background:transparent;border:1.5px solid var(--navy);color:var(--navy);border-radius:8px;font-weight:600;font-size:.85rem;transition:all var(--transition)}.prog-cta:hover{background:var(--navy);color:#fff}.guide-band{background:linear-gradient(135deg,var(--gold-pale) 0%,#FFF8EE 100%);border-top:1px solid rgba(212,131,26,.15);border-bottom:1px solid rgba(212,131,26,.15)}.guide-inner{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}.guide-text 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var(--divider)}.exchange-row:last-child{border-bottom:none}.ex-plan{display:flex;align-items:center;gap:10px}.ex-icon{font-size:20px}.ex-name{font-size:.9rem;font-weight:600;color:var(--navy)}.ex-partner{font-size:.72rem;color:var(--ink-3)}.ex-rate{text-align:right}.ex-ratio{font-size:1.1rem;font-weight:800;color:var(--gold)}.ex-basis{font-size:.7rem;color:var(--ink-3)}.ex-bar{height:4px;border-radius:2px;margin-top:6px;background:linear-gradient(90deg,var(--gold),var(--gold-light))}.tool-section{background:var(--navy)}.tool-card{background:#ffffff0f;border:1px solid rgba(255,255,255,.12);border-radius:var(--radius-lg);padding:40px;max-width:640px;margin:40px auto 0;backdrop-filter:blur(12px)}.tool-title-inner{font-size:1.15rem;font-weight:700;color:#fff;margin-bottom:24px;display:flex;align-items:center;gap:10px}.tool-form{display:flex;flex-direction:column;gap:16px}.tool-field 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a:hover{color:var(--gold)}.article-meta{display:flex;justify-content:space-between;align-items:center}.article-date,.article-read-time{font-size:.75rem;color:var(--ink-3)}.faq-section{background:var(--bg-2)}.faq-list{max-width:780px;margin:40px auto 0;display:flex;flex-direction:column;gap:12px}.faq-item{background:var(--bg);border-radius:var(--radius);border:1.5px solid var(--divider);overflow:hidden;transition:border-color var(--transition),box-shadow var(--transition)}.faq-item.open{border-color:var(--gold);box-shadow:0 2px 12px var(--gold-glow)}.faq-q{display:flex;justify-content:space-between;align-items:center;padding:20px 24px;cursor:pointer;font-weight:600;color:var(--navy);font-size:.95rem;gap:16px;min-height:48px;user-select:none}.faq-icon{flex-shrink:0;width:28px;height:28px;border-radius:50%;background:var(--gold-pale);color:var(--gold);font-size:18px;display:flex;align-items:center;justify-content:center;font-weight:700;transition:transform var(--transition),background var(--transition)}.faq-item.open .faq-icon{transform:rotate(45deg);background:var(--gold);color:#fff}.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .35s ease}.faq-a-inner{padding:0 24px 20px;font-size:.9rem;color:var(--ink-3);line-height:1.7}.faq-item.open .faq-a{max-height:300px}.cta-band{background:linear-gradient(135deg,var(--gold) 0%,var(--gold-light) 50%,var(--coral) 100%);padding:80px 0;text-align:center;position:relative;overflow:hidden}.cta-band:before{content:"";position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.06'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 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