:root{--blue:#0B3D91;--ink:#10233f;--ice:#eef6fc;--line:#d8e4ef;--muted:#63758a;--white:#fff;--cyan:#1aa5c8}
    *{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{margin:0;color:var(--ink);background:#f6f9fc;font:14px/1.7 Arial,"Microsoft YaHei",sans-serif}
    a{color:inherit;text-decoration:none}
    img{max-width:100%;display:block}
    .container{width:min(1180px,calc(100% - 40px));margin:auto}
    .topbar{background:#071a33;color:#c9d8e8;font-size:12px}
    .topbar-inner{min-height:34px;display:flex;align-items:center;justify-content:space-between}
    .topbar-contact{display:flex;gap:22px}.topbar a:hover{color:#fff}
    .header{height:78px;background:#fff;border-bottom:1px solid var(--line);position:relative;z-index:20}
    .header-inner{height:100%;display:flex;align-items:center;gap:34px}
    .logo{display:flex;align-items:center;gap:10px;color:var(--blue);font-size:19px;font-weight:700;white-space:nowrap}
    .logo img{width:34px;height:34px;object-fit:contain}
    .main-nav{flex:1}.nav-list{display:flex;align-items:center;justify-content:center;gap:4px;list-style:none;margin:0;padding:0}
    .nav-item{position:relative}.nav-link{display:block;padding:25px 14px;font-weight:600;white-space:nowrap}
    .nav-link:hover,.nav-item:focus-within>.nav-link{color:var(--blue)}
    .has-arrow:after{content:"";display:inline-block;width:6px;height:6px;margin:0 0 3px 8px;border-right:1px solid;border-bottom:1px solid;transform:rotate(45deg)}
    .dropdown-panel,.mega-menu{position:absolute;top:calc(100% - 1px);left:50%;transform:translateX(-50%) translateY(8px);width:330px;padding:20px;background:#fff;border:1px solid var(--line);box-shadow:0 18px 45px #10233f1c;opacity:0;visibility:hidden;transition:.2s;z-index:30}
    .mega-menu{width:700px}.nav-item:hover>.dropdown-panel,.nav-item:hover>.mega-menu,.nav-item:focus-within>.dropdown-panel,.nav-item:focus-within>.mega-menu{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
    .panel-title{font-size:13px;margin:0 0 12px;color:var(--blue);letter-spacing:.04em}
    .panel-list{display:grid;gap:8px}.panel-list a:hover,.mega-card:hover strong{color:var(--cyan)}
    .mega-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.mega-column{min-width:0}
    .mega-card{display:flex;gap:10px;padding:8px 0;border-bottom:1px solid #edf2f6}
    .mega-card img{width:38px;height:38px;object-fit:cover;border-radius:6px;background:var(--ice)}
    .mega-card span{min-width:0}.mega-card strong,.mega-card small{display:block;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.mega-card strong{font-size:13px}.mega-card small{font-size:11px;color:var(--muted)}
    .mega-footer{display:block;margin:15px -20px -20px;padding:11px 20px;background:var(--ice);color:var(--blue);font-weight:600}
    .header-btns{display:flex;align-items:center;gap:10px;white-space:nowrap}.member-btn{color:var(--blue);font-weight:600}.open-account{padding:7px 13px;background:var(--blue);color:#fff;border-radius:4px}
    .hamburger{display:none;border:0;background:transparent;padding:8px;cursor:pointer}.hamburger span{display:block;width:22px;height:2px;background:var(--ink);margin:4px}
    .drawer-overlay{display:none;position:fixed;inset:0;background:#071a335c;z-index:40}.drawer-overlay.open{display:block}
    .mobile-drawer{position:fixed;right:0;top:0;height:100%;width:min(360px,88%);background:#fff;z-index:50;transform:translateX(100%);transition:.25s;overflow:auto}.mobile-drawer.open{transform:translateX(0)}
    .drawer-head{display:flex;align-items:center;gap:14px;padding:18px 20px;background:var(--blue);color:#fff}.drawer-head span{flex:1;font-weight:700}.drawer-head a{color:#fff}.drawer-close{border:0;background:none;color:#fff;font-size:26px;line-height:1;cursor:pointer}
    .drawer-menu{padding:10px 20px}.drawer-link,.drawer-toggle{display:block;width:100%;padding:13px 0;border:0;border-bottom:1px solid var(--line);background:none;text-align:left;font:inherit;color:var(--ink);cursor:pointer}.drawer-toggle:after{content:"+";float:right;color:var(--blue);font-size:20px}.drawer-toggle.active:after{content:"−"}.drawer-submenu{display:none;padding:4px 14px;background:var(--ice)}.drawer-submenu.open{display:block}.drawer-submenu a{display:block;padding:7px 0;color:var(--muted)}
    .page-hero{padding:78px 0 62px;background:linear-gradient(135deg,#eaf5fc,#fff);border-bottom:1px solid var(--line);text-align:center}
    .eyebrow{color:var(--cyan);font-size:12px;font-weight:700;letter-spacing:.15em}.page-hero h1{margin:8px 0 12px;font-size:clamp(30px,5vw,54px);line-height:1.15;color:var(--ink)}.page-hero p{max-width:650px;margin:0 auto;color:var(--muted);font-size:16px}
    .download-page-main{overflow:hidden}.download-content{padding:70px 0}.section-heading{text-align:center;margin-bottom:34px}.section-heading h2{margin:0;color:var(--ink);font-size:28px}.section-heading p{margin:8px 0;color:var(--muted)}
    .download-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.download-card{padding:26px;background:#fff;border:1px solid var(--line);border-radius:8px;box-shadow:0 8px 22px #10233f0b}.download-icon{width:44px;height:44px;display:grid;place-items:center;background:#e4f3fa;color:var(--blue);font-size:21px;border-radius:50%;font-weight:700}.download-card h3{margin:15px 0 6px;font-size:18px}.download-card p{margin:0;color:var(--muted)}.download-card a{display:inline-block;margin-top:15px;color:var(--blue);font-weight:700}
    .steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:28px}.step{position:relative;padding:22px;background:#fff;border-top:3px solid var(--blue);border-radius:6px}.step-number{color:var(--cyan);font-size:25px;font-weight:700}.step h3{margin:8px 0 4px;font-size:16px}.step p{margin:0;color:var(--muted)}
    .download-cta{margin-top:58px;padding:38px;text-align:center;background:var(--blue);color:#fff;border-radius:8px}.download-cta h2{margin:0 0 8px;font-size:26px}.download-cta p{margin:0 0 20px;color:#dbeaf7}.cta-button{display:inline-block;padding:10px 23px;background:#fff;color:var(--blue);border-radius:4px;font-weight:700}
    .faq{max-width:820px;margin:60px auto 0}.faq details{background:#fff;border-bottom:1px solid var(--line);padding:17px 20px}.faq summary{cursor:pointer;font-weight:700;color:var(--ink)}.faq p{margin:10px 0 0;color:var(--muted)}
    .footer{background:#071a33;color:#b9c9d9;padding:52px 0 0}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:35px}.footer strong,.footer h3{color:#fff}.footer h3{font-size:14px;margin:0 0 13px}.footer p{margin:5px 0}.footer-grid>div:not(:first-child) a{display:block;margin:5px 0}.footer a:hover{color:#fff}.footer-bottom{margin-top:35px;padding:18px 0;border-top:1px solid #ffffff1c;color:#879cb2;font-size:12px}
    @media(max-width:980px){.main-nav{display:none}.hamburger{display:block}.header-inner{justify-content:space-between}.header-btns{margin-left:auto}.download-grid{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:repeat(2,1fr)}}
    @media(max-width:620px){.container{width:min(100% - 28px,1180px)}.topbar-inner{padding:7px 0;align-items:flex-start;gap:5px}.topbar-contact{gap:8px;flex-direction:column;text-align:right}.header{height:68px}.logo{font-size:16px}.member-btn{display:none}.open-account{font-size:12px}.page-hero{padding:52px 0 42px}.download-content{padding:48px 0}.download-grid,.steps{grid-template-columns:1fr}.download-cta{padding:28px 20px}.footer-grid{grid-template-columns:1fr;gap:24px}.mega-menu,.dropdown-panel{display:none}}