:root {
  --primary: #0a7d5f;
  --primary-dark: #075a44;
  --accent: #ffb400;
  --dark: #1a2b3a;
  --light: #f5f8f7;
  --text: #33475b;
  --border: #e2e9ec;
  --muted: #6b7a8d;
}
* { margin: 0; padding: 0; box-sizing: border-box; }
body {
  font-family: -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color: var(--text); line-height: 1.7; background: #fff;
}
a { text-decoration: none; color: inherit; }
.container { max-width: 1100px; margin: 0 auto; padding: 0 20px; }

/* ===== Header ===== */
header.site { background: #fff; box-shadow: 0 2px 10px rgba(0,0,0,.06); position: sticky; top: 0; z-index: 100; }
.nav { display: flex; align-items: center; justify-content: space-between; padding: 16px 0; }
.logo { font-size: 24px; font-weight: 800; color: var(--primary); }
.logo span { color: var(--accent); }
.nav-links { display: flex; gap: 26px; font-weight: 600; align-items: center; }
.nav-links a:hover { color: var(--primary); }
.nav-links a.active { color: var(--primary); }
.btn {
  display: inline-block; background: var(--primary); color: #fff; padding: 12px 28px;
  border-radius: 8px; font-weight: 700; border: none; cursor: pointer; transition: background .2s;
}
.btn:hover { background: var(--primary-dark); }
.btn-accent { background: var(--accent); color: var(--dark); }
.btn-accent:hover { background: #e6a300; }
.btn-ghost { background: #fff; color: var(--primary); border: 1px solid var(--primary); }
.btn-ghost:hover { background: var(--light); }
.btn-sm { padding: 10px 18px; font-size: 14px; }
.nav-toggle { display: none; }

/* ===== Hero ===== */
.hero { background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%); color: #fff; padding: 80px 0; }
.hero h1 { font-size: 42px; line-height: 1.3; margin-bottom: 20px; }
.hero p { font-size: 18px; opacity: .95; max-width: 620px; margin-bottom: 30px; }
.hero-stats { display: flex; gap: 40px; margin-top: 40px; flex-wrap: wrap; }
.stat h3 { font-size: 28px; color: var(--accent); }
.stat p { font-size: 14px; opacity: .9; }
.page-hero { background: linear-gradient(135deg, var(--primary), var(--primary-dark)); color: #fff; padding: 60px 0; text-align: center; }
.page-hero h1 { font-size: 36px; margin-bottom: 12px; }
.page-hero p { opacity: .95; max-width: 620px; margin: 0 auto; }

section { padding: 70px 0; }
section.alt { background: var(--light); }
.section-title { text-align: center; font-size: 32px; color: var(--dark); margin-bottom: 12px; }
.section-sub { text-align: center; color: var(--muted); margin-bottom: 50px; }

/* ===== Cards / grids ===== */
.features, .steps, .products, .values, .footer-grid {
  display: grid; gap: 24px;
}
.features, .steps, .products { grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); }
.values { grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); margin-top: 30px; }
.footer-grid { grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 30px; }

.feature, .product, .value {
  background: #fff; border: 1px solid var(--border); border-radius: 12px;
  padding: 30px; box-shadow: 0 4px 15px rgba(0,0,0,.04);
}
.feature h3, .value h3 { color: var(--primary); margin-bottom: 10px; font-size: 20px; }
.product h3 { color: var(--primary); font-size: 22px; margin-bottom: 8px; }
.product .price { font-size: 28px; font-weight: 800; color: var(--dark); margin: 12px 0; }
.product ul { list-style: none; margin: 16px 0; }
.product li { padding: 6px 0; border-bottom: 1px dashed var(--border); }
.product li::before { content: "✓ "; color: var(--primary); font-weight: 700; }
.step { text-align: center; padding: 30px; background: var(--light); border-radius: 12px; }
.step-num {
  width: 48px; height: 48px; line-height: 48px; border-radius: 50%;
  background: var(--primary); color: #fff; font-weight: 800; font-size: 20px; margin: 0 auto 16px;
}
.step h3 { color: var(--dark); margin-bottom: 8px; }
.steps-vertical { max-width: 800px; margin: 0 auto; }
.steps-vertical .step { display: flex; gap: 24px; text-align: left; margin-bottom: 20px; }
.steps-vertical .step-num { margin: 0; flex-shrink: 0; width: 56px; height: 56px; line-height: 56px; font-size: 24px; }

.content { max-width: 800px; margin: 0 auto; }
.content h2 { color: var(--dark); margin: 30px 0 12px; }
.content p { margin-bottom: 16px; }

/* ===== CTA ===== */
.cta { background: var(--accent); color: var(--dark); text-align: center; padding: 60px 0; }
.cta h2 { font-size: 32px; margin-bottom: 16px; }
.cta p { margin-bottom: 24px; font-size: 17px; }

/* ===== Forms ===== */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.form label { display: block; margin-bottom: 6px; font-weight: 600; }
.form input, .form select, .form textarea, .form-input {
  width: 100%; padding: 12px 14px; border: 1px solid #d5dde2; border-radius: 8px;
  margin-bottom: 16px; font-size: 15px; font-family: inherit; background: #fff;
  color: var(--text); transition: border-color .15s, box-shadow .15s;
}
.form input::placeholder, .form textarea::placeholder, .form-input::placeholder { color: #a9b6c2; }
.form input:focus, .form select:focus, .form textarea:focus, .form-input:focus {
  outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px rgba(10,125,95,.13);
}
.form textarea { height: 110px; resize: vertical; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0 16px; }
.form-row .form-input { margin-bottom: 16px; }
.req { color: #c53030; font-weight: 700; }
.form-note { font-size: 13px; color: var(--muted); margin-top: 12px; text-align: center; line-height: 1.6; }
.form-note strong { color: var(--primary); }
.info .item { padding: 16px; background: var(--light); border-radius: 8px; margin-bottom: 12px; }

/* ===== 申请页 ===== */
.apply-grid { display: grid; grid-template-columns: 1.45fr 1fr; gap: 40px; align-items: start; }
.apply-head { padding-bottom: 18px; margin-bottom: 22px; border-bottom: 1px solid var(--border); }
.apply-head h2 { color: var(--dark); font-size: 22px; margin-bottom: 6px; }
.apply-head p { color: var(--muted); font-size: 15px; }
.benefit { display: flex; gap: 14px; padding: 14px 0; border-bottom: 1px dashed var(--border); }
.benefit:last-child { border-bottom: none; padding-bottom: 0; }
.benefit-ico {
  flex-shrink: 0; width: 38px; height: 38px; border-radius: 10px;
  background: #e6f6ef; color: var(--primary);
  display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 15px;
}
.benefit strong { display: block; color: var(--dark); font-size: 15px; }
.benefit span { font-size: 14px; color: var(--muted); line-height: 1.55; }
.apply-aside .panel h3 { color: var(--dark); font-size: 18px; margin-bottom: 14px; }
.apply-aside .info .item { margin-bottom: 10px; font-size: 15px; }
.alert { padding: 13px 16px; border-radius: 8px; margin-bottom: 18px; background: #e6f6ef; color: #2f855a; border: 1px solid #b7e4d0; }
.alert.error { background: #fdecea; color: #c53030; border-color: #f5c6c2; }
.errorlist { list-style: none; color: #c53030; font-size: 14px; margin-bottom: 8px; }
.helptext { display: block; font-size: 13px; color: #8494a5; margin: -8px 0 12px; }

/* ===== Portal ===== */
.panel { background: #fff; border: 1px solid var(--border); border-radius: 12px; padding: 26px; box-shadow: 0 4px 15px rgba(0,0,0,.04); margin-bottom: 22px; }
.panel.narrow { max-width: 520px; margin: 0 auto; }
.stat-card { background: #fff; border: 1px solid var(--border); border-radius: 12px; padding: 20px; }
.stat-card .num { font-size: 30px; font-weight: 800; color: var(--primary); }
.stat-card .lbl { font-size: 14px; color: var(--muted); }
.table-wrap { overflow-x: auto; border-radius: 12px; border: 1px solid var(--border); }
table { width: 100%; border-collapse: collapse; background: #fff; }
th, td { text-align: left; padding: 12px 14px; border-bottom: 1px solid var(--border); }
th { background: var(--light); font-size: 14px; color: var(--dark); }
.badge { display: inline-block; padding: 3px 10px; border-radius: 20px; font-size: 13px; font-weight: 700; }
.badge.new { background: #e6f6ef; color: var(--primary); }
.badge.contacted { background: #e6f0fb; color: #2b6cb0; }
.badge.processing { background: #fdf3e0; color: #b7791f; }
.badge.approved { background: #e8f5ee; color: #2f855a; }
.badge.disbursed { background: #e6ebf0; color: var(--dark); }
.badge.rejected { background: #fdecea; color: #c53030; }

/* ===== FAQ ===== */
.faq-item { border-bottom: 1px solid var(--border); padding: 16px 0; }
.faq-item:last-child { border-bottom: none; }
.faq-item h3 { font-size: 17px; color: var(--dark); margin-bottom: 6px; }

/* ===== Footer ===== */
footer.site { background: var(--dark); color: #aebcc9; padding: 40px 0; }
footer.site h4 { color: #fff; margin-bottom: 14px; }
footer.site a { display: block; margin-bottom: 8px; }
footer.site a:hover { color: #fff; }
.copyright { text-align: center; margin-top: 30px; padding-top: 20px; border-top: 1px solid #2a3b4d; font-size: 14px; }

/* ===== 在线客服悬浮窗 ===== */
.chat-fab {
  position: fixed;
  right: 22px;
  bottom: calc(22px + env(safe-area-inset-bottom, 0px));
  z-index: 90;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 12px;
}
.chat-btn {
  position: relative;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 14px rgba(0, 0, 0, .18);
  transition: transform .15s ease, box-shadow .15s ease;
}
.chat-btn:hover, .chat-btn:focus-visible {
  transform: translateY(-2px);
  box-shadow: 0 8px 22px rgba(0, 0, 0, .22);
  outline: none;
}
.chat-btn:focus-visible { box-shadow: 0 0 0 3px rgba(10, 125, 95, .35), 0 8px 22px rgba(0,0,0,.22); }
.chat-btn svg { width: 30px; height: 30px; fill: #fff; }
.chat-btn.zalo { background: #0068ff; }
.chat-btn.messenger { background: #0084ff; }

.chat-label {
  position: absolute;
  right: calc(100% + 12px);
  top: 50%;
  transform: translateY(-50%) translateX(6px);
  background: var(--dark);
  color: #fff;
  font-size: 13px;
  font-weight: 600;
  line-height: 1;
  padding: 9px 12px;
  border-radius: 8px;
  white-space: nowrap;
  opacity: 0;
  pointer-events: none;
  transition: opacity .15s ease, transform .15s ease;
}
.chat-btn:hover .chat-label,
.chat-btn:focus-visible .chat-label {
  opacity: 1;
  transform: translateY(-50%) translateX(0);
}

/* 欢迎语气泡 */
.chat-greeting {
  position: relative;
  max-width: 230px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 12px 30px 12px 14px;
  font-size: 14px;
  line-height: 1.5;
  color: var(--text);
  box-shadow: 0 6px 20px rgba(0, 0, 0, .1);
}
.chat-greeting[hidden] { display: none; }
.chat-greeting-close {
  position: absolute;
  top: 4px;
  right: 6px;
  border: none;
  background: none;
  cursor: pointer;
  font-size: 18px;
  line-height: 1;
  color: var(--muted);
  padding: 4px 6px;
}
.chat-greeting-close:hover { color: var(--dark); }

@media (prefers-reduced-motion: reduce) {
  .chat-btn, .chat-label { transition: none; }
}

/* ===== Responsive ===== */
@media (max-width: 1024px) {
  .container { padding: 0 16px; }
  .hero { padding: 60px 0; }
  .hero h1 { font-size: 34px; }
  section { padding: 50px 0; }
  .section-title { font-size: 28px; }
}
@media (max-width: 768px) {
  .nav { flex-wrap: wrap; padding: 12px 0; }
  .nav-toggle {
    display: block; background: none; border: none; cursor: pointer;
    width: 40px; height: 40px; padding: 8px; margin-left: auto;
  }
  .nav-toggle span { display: block; width: 24px; height: 2px; background: var(--dark); margin: 5px auto; }
  .nav-links {
    display: none; width: 100%; flex-direction: column; gap: 0; align-items: stretch;
    background: #fff; padding: 10px 0; border-top: 1px solid var(--border);
  }
  .nav-links a { padding: 14px 0; border-bottom: 1px solid #f0f4f5; font-size: 16px; }
  .nav.open .nav-links { display: flex; }
  .nav .btn { margin-left: 12px; }
  .hero { padding: 48px 0; }
  .hero h1 { font-size: 28px; }
  .hero p { font-size: 16px; }
  .hero-stats { flex-direction: column; gap: 16px; margin-top: 28px; }
  .page-hero { padding: 40px 0; }
  .page-hero h1 { font-size: 26px; }
  .features, .steps, .products, .values, .form-grid, .apply-grid { grid-template-columns: 1fr; }
  .apply-grid { gap: 24px; }
  .steps-vertical .step { flex-direction: column; }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
  .btn { padding: 14px 24px; font-size: 16px; }
  .panel { padding: 20px; }

  /* 客服悬浮窗：缩小并靠边 */
  .chat-fab { right: 14px; bottom: calc(14px + env(safe-area-inset-bottom, 0px)); gap: 10px; }
  .chat-btn { width: 50px; height: 50px; }
  .chat-btn svg { width: 26px; height: 26px; }
  .chat-label { display: none; }
  .chat-greeting { max-width: 200px; font-size: 13px; }
}
@media (max-width: 480px) {
  .hero h1 { font-size: 24px; }
  .section-title { font-size: 24px; }
  .logo { font-size: 20px; }
  .page-hero h1 { font-size: 22px; }
  .form-row { grid-template-columns: 1fr; }
  .panel { padding: 18px; }
}