:root{--navy:#0E2340;--navy2:#16345C;--gold:#B08D4F;--gold-l:#D8BC85;--paper:#F7F8FA;--card:#FFFFFF;--line:#E3E7ED;--ink:#182635;--mist:#5C6B7E;--serif:"Songti SC","Noto Serif SC","STSong","SimSun",Georgia,serif;--sans:-apple-system,BlinkMacSystemFont,"PingFang SC","Hiragino Sans GB","Microsoft YaHei","Noto Sans SC",sans-serif}*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.85}a{color:var(--navy2);text-decoration:none}:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:2px}.wrap{max-width:1040px;margin:0 auto;padding:0 22px}.eyebrow{font-size:12px;letter-spacing:.3em;text-transform:uppercase;color:var(--gold);margin-bottom:16px;font-weight:600}section{padding:76px 0}h2{font-family:var(--serif);font-weight:700;font-size:clamp(26px,4vw,36px);letter-spacing:.04em;color:var(--navy)}.h2rule{width:56px;height:3px;background:var(--gold);margin:18px 0 36px}.lead{max-width:680px;color:var(--mist);margin-bottom:40px;font-size:17.5px}.fade{opacity:0;transform:translateY(18px);transition:opacity .7s ease,transform .7s ease}.fade.in{opacity:1;transform:none}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.fade{opacity:1;transform:none;transition:none}}body.lang-zh .en,body.lang-en .zh{display:none!important}.langbtn{border:1px solid rgba(255,255,255,.5);background:transparent;color:#fff;font-size:13px;letter-spacing:.08em;padding:7px 14px;border-radius:3px;cursor:pointer;font-family:var(--sans)}.langbtn:hover{border-color:var(--gold-l);color:var(--gold-l)}.btn{display:inline-block;padding:15px 30px;border-radius:3px;font-size:16px;font-weight:600;letter-spacing:.05em;transition:transform .15s ease,background .15s ease,color .15s ease;border:none;cursor:pointer}.btn:hover{transform:translateY(-2px)}.btn-gold{background:var(--gold);color:#fff}.btn-gold:hover{background:var(--gold-l);color:var(--navy)}.btn-line-w{border:1.5px solid rgba(255,255,255,.7);color:#fff;background:transparent}.btn-line-w:hover{border-color:#fff;background:#ffffff14}nav{position:sticky;top:0;z-index:60;background:var(--navy);transition:box-shadow .2s ease;padding-top:env(safe-area-inset-top)}nav.scrolled{box-shadow:0 4px 18px #08142859}.nav-in{max-width:1040px;margin:0 auto;padding:0 18px;height:68px;display:flex;align-items:center;justify-content:space-between;gap:12px}.brand{display:flex;align-items:center;gap:10px}.logomark{width:38px;height:38px;background:var(--gold);border-radius:6px;display:flex;align-items:center;justify-content:center;line-height:1;font-family:var(--serif);font-size:23px;font-weight:700;color:var(--navy);box-shadow:inset 0 0 0 2px #ffffff59;flex:none;text-indent:0}.brandtext{line-height:1.2}.brandtext .cn{font-family:var(--serif);font-size:18px;font-weight:700;letter-spacing:.12em;color:#fff}.brandtext .py{font-size:10px;letter-spacing:.3em;color:var(--gold-l);text-transform:uppercase}.nav-links{display:flex;gap:22px;align-items:center}.nav-links a{color:#ffffffd1;font-size:14.5px;letter-spacing:.04em;padding:8px 2px}.nav-links a:hover,.nav-links a.on{color:var(--gold-l)}.nav-cta{padding:10px 28px;font-size:14px}.burger{display:none;background:transparent;border:none;cursor:pointer;padding:10px}.burger span{display:block;width:24px;height:2px;background:#fff;margin:5px 0;transition:.25s}.mmenu{display:none;background:var(--navy2);border-top:1px solid rgba(255,255,255,.12)}.mmenu a{display:block;padding:16px 24px;color:#fff;font-size:16px;border-bottom:1px solid rgba(255,255,255,.08)}.mmenu a:active{background:#ffffff0f}.mmenu .mrow{display:flex;gap:12px;padding:16px 24px}body.menu-open .mmenu{display:block}body.menu-open .burger span:nth-child(1){transform:translateY(7px) rotate(45deg)}body.menu-open .burger span:nth-child(2){opacity:0}body.menu-open .burger span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}@media (max-width:920px){.nav-links{display:none}.burger{display:block}}.pagehead{background:linear-gradient(150deg,var(--navy),var(--navy2));color:#fff;padding:64px 0 56px}.pagehead h1{font-family:var(--serif);font-size:clamp(30px,5vw,44px);letter-spacing:.06em}.pagehead p{margin-top:12px;color:#ffffffc7;max-width:640px}.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 78%,#1D4373 100%);color:#fff;padding:84px 0 68px}.hero:has(.stats){padding-bottom:0}.hero h1{font-family:var(--serif);font-weight:700;font-size:clamp(32px,5.4vw,56px);line-height:1.32;letter-spacing:.05em;max-width:780px}.hero h1 em{font-style:normal;color:var(--gold-l)}.hero .sub{margin-top:22px;max-width:660px;font-size:18px;color:#ffffffd9}.hero .cta-row{margin-top:36px;display:flex;gap:14px;flex-wrap:wrap}.hero .assure{margin-top:20px;font-size:13px;letter-spacing:.04em;color:#ffffffa6}.hero .assure span{margin-right:18px;display:inline-block}.hero .assure b{color:var(--gold-l);font-weight:600;margin-right:5px}.stats{margin-top:64px;border-top:1px solid rgba(255,255,255,.16);display:grid;grid-template-columns:repeat(4,1fr)}.stat{padding:28px 8px;text-align:center;border-left:1px solid rgba(255,255,255,.16)}.stat:first-child{border-left:none}.stat .num{font-family:var(--serif);font-size:clamp(24px,3vw,38px);font-weight:700;color:var(--gold-l)}.stat .lab{margin-top:5px;font-size:12px;letter-spacing:.1em;color:#ffffffb3}@media (max-width:720px){.stats{grid-template-columns:1fr 1fr}.stat:nth-child(3){border-left:none}.stat{border-top:1px solid rgba(255,255,255,.12)}}.risks{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-bottom:36px}.risk{background:var(--card);border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:4px;padding:28px 24px}.risk b{font-family:var(--serif);font-size:19px;color:var(--navy);display:block;margin-bottom:9px}.risk p{font-size:14.5px;color:var(--mist);line-height:1.8}.living-copy{background:var(--card);border:1px solid var(--line);border-radius:4px;padding:32px 30px}.living-copy p{color:var(--ink);margin-bottom:15px;max-width:880px}.living-copy strong{color:var(--navy)}.fineprint{font-size:12px;color:var(--mist);line-height:1.8;border-top:1px solid var(--line);padding-top:14px;margin-top:6px}.svc{display:grid;grid-template-columns:1fr 1fr;gap:20px}.card{background:var(--card);border:1px solid var(--line);border-radius:4px;padding:30px 26px;position:relative;transition:box-shadow .2s ease,transform .2s ease}.card:hover{box-shadow:0 10px 28px #0e23401a;transform:translateY(-3px)}.card h3{font-family:var(--serif);font-size:20px;color:var(--navy);margin-bottom:10px}.card p{color:var(--mist);font-size:15px}.tag-free{position:absolute;top:-12px;right:20px;background:var(--gold);color:#fff;font-size:11.5px;letter-spacing:.2em;padding:4px 12px;border-radius:2px}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:step}.step{background:var(--card);border:1px solid var(--line);border-radius:4px;padding:28px 24px;counter-increment:step}.step:before{content:"0" counter(step);font-family:var(--serif);font-size:32px;font-weight:700;color:var(--gold);display:block;margin-bottom:8px}.step h3{font-family:var(--serif);font-size:18px;color:var(--navy);margin-bottom:7px}.step p{color:var(--mist);font-size:14.5px}.quoteband{background:var(--navy);color:#fff;padding:54px 0;text-align:center}.quoteband .q{font-family:var(--serif);font-size:clamp(26px,4.2vw,40px);letter-spacing:.13em;color:var(--gold-l)}.quoteband .qs{margin-top:12px;font-size:14px;color:#ffffffb8;letter-spacing:.05em}.team{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.member{background:var(--card);border:1px solid var(--line);border-radius:4px;padding:28px 20px;text-align:center}.mphoto{width:104px;height:104px;border-radius:50%;margin:0 auto 15px;overflow:hidden;background:var(--line);display:grid;place-items:center;color:var(--mist);font-size:12px;box-shadow:0 0 0 3px var(--gold-l)}.mphoto img,.mphoto svg{width:100%;height:100%;object-fit:cover;display:block}.member h3{font-family:var(--serif);font-size:19px;color:var(--navy);letter-spacing:.05em}.member .role{font-size:11px;letter-spacing:.11em;color:var(--gold);margin:6px 0 8px;text-transform:uppercase}.member .langs{font-size:12.5px;color:var(--mist);margin-bottom:8px}.member p{font-size:13px;color:var(--mist);line-height:1.7}@media (max-width:900px){.team{grid-template-columns:1fr 1fr}}@media (max-width:560px){.team{grid-template-columns:1fr}}.kb{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.kbcard{background:var(--card);border:1px solid var(--line);border-radius:4px;overflow:hidden;transition:box-shadow .2s ease,transform .2s ease;display:flex;flex-direction:column}.kbcard:hover{box-shadow:0 10px 28px #0e23401a;transform:translateY(-3px)}.kbtop{height:6px;background:linear-gradient(90deg,var(--gold),var(--gold-l))}.kbbody{padding:24px 22px;flex:1;display:flex;flex-direction:column}.kbtag{font-size:10.5px;letter-spacing:.18em;color:var(--gold);text-transform:uppercase;margin-bottom:9px}.kbcard h3{font-family:var(--serif);font-size:18px;color:var(--navy);margin-bottom:9px;line-height:1.5}.kbcard p{color:var(--mist);font-size:13.5px;flex:1}.kbcard .more{margin-top:14px;font-size:13.5px;color:var(--gold);font-weight:600}@media (max-width:860px){.kb{grid-template-columns:1fr}}.videos{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.vcard{background:var(--card);border:1px solid var(--line);border-radius:4px;overflow:hidden}.vframe{position:relative;padding-top:56.25%;background:var(--navy)}.vframe iframe{position:absolute;inset:0;width:100%;height:100%;border:0}.vcard h3{font-family:var(--serif);font-size:16px;color:var(--navy);padding:15px 16px;line-height:1.5}@media (max-width:860px){.videos{grid-template-columns:1fr}}.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.quote{background:var(--card);border:1px solid var(--line);border-radius:4px;padding:30px 26px;position:relative}.quote:before{content:"";width:34px;height:3px;background:var(--gold);position:absolute;top:26px;left:26px}.quote p{font-family:var(--serif);font-size:15.5px;color:var(--ink);line-height:1.9;margin:24px 0 16px}.quote .who{font-size:12.5px;letter-spacing:.06em;color:var(--mist)}.quotes-note{margin-top:18px;font-size:11.5px;color:var(--mist)}@media (max-width:860px){.quotes{grid-template-columns:1fr}}.nation{display:grid;grid-template-columns:1.2fr .8fr;gap:32px;align-items:start}.nation ul{list-style:none}.nation li{padding:11px 0;border-bottom:1px solid var(--line);color:var(--ink);font-size:15.5px}.nation li b{color:var(--navy);margin-right:10px;font-family:var(--serif)}.office{background:var(--navy);color:#fff;border-radius:4px;padding:30px 26px}.office h3{font-family:var(--serif);font-size:19px;color:var(--gold-l);margin-bottom:12px}.office p{font-size:14.5px;color:#ffffffd9;margin-bottom:9px;line-height:1.8}.office .small{font-size:12px;color:#fff9}@media (max-width:820px){.nation{grid-template-columns:1fr}}.faq details{background:var(--card);border:1px solid var(--line);border-radius:4px;padding:20px 24px;margin-bottom:12px}.faq summary{cursor:pointer;font-family:var(--serif);font-size:17px;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:14px}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"＋";color:var(--gold);font-family:var(--sans)}.faq details[open] summary:after{content:"－"}.faq details p{margin-top:11px;color:var(--mist);font-size:15px}.ctaband{background:linear-gradient(140deg,var(--navy),var(--navy2));color:#fff;text-align:center;padding:64px 20px}.ctaband h2{color:#fff;font-family:var(--serif)}.ctaband p{margin:16px auto 30px;max-width:560px;color:#fffc}.ctaband .btn{margin:6px}footer{background:#0a1b32;color:#ffffff9e;padding:44px 0 56px;font-size:12px;line-height:1.9}footer .fbrand{display:flex;align-items:center;gap:10px;margin-bottom:14px}footer .fbrand .logomark{width:32px;height:32px;font-size:19px}footer .fbrand .t{font-family:var(--serif);font-size:16px;color:#fff;letter-spacing:.1em}footer p{margin-bottom:10px;max-width:960px}footer .lic{color:#ffffffbf}footer .flink{background:none;border:none;padding:0;font-family:var(--sans);font-size:13px;font-weight:600;color:var(--gold-l);letter-spacing:.04em;cursor:pointer;line-height:1.9}footer .flink:hover{color:#fff}.skiplink{position:absolute;left:-9999px;top:0;z-index:200;background:var(--gold);color:#fff;padding:10px 18px;font-size:14px;border-radius:0 0 4px}.skiplink:focus{left:0}#toast{position:fixed;left:50%;bottom:40px;transform:translate(-50%) translateY(20px);background:var(--navy);color:#fff;padding:12px 22px;border-radius:4px;font-size:14px;opacity:0;pointer-events:none;transition:.3s;z-index:99;box-shadow:0 8px 24px #0000004d}#toast.show{opacity:1;transform:translate(-50%) translateY(0)}@media (max-width:720px){section{padding:56px 0}.hero{padding:56px 0 48px}.risks,.svc,.steps{grid-template-columns:1fr}.pagehead{padding:48px 0 42px}}.wxoverlay{position:fixed;inset:0;background:#0a1b32bd;display:none;z-index:100;align-items:center;justify-content:center;padding:24px}body.wx-open .wxoverlay{display:flex}.wxbox{background:#fff;border-radius:8px;max-width:340px;width:100%;padding:30px 26px;text-align:center;box-shadow:0 20px 60px #00000059}.wxbox h3{font-family:var(--serif);color:var(--navy);font-size:20px;margin-bottom:14px}.wxbox .qrbig{width:200px;height:200px;margin:0 auto 14px;border:1px solid var(--line);border-radius:6px;display:grid;place-items:center;color:var(--mist);font-size:13px;overflow:hidden}.wxbox .qrbig img{width:100%;height:100%;object-fit:contain}.wxbox .hint{font-size:12.5px;color:var(--mist);line-height:1.8;margin-bottom:12px}.wxbox .wxid{font-size:15px;color:var(--ink);margin-bottom:12px;letter-spacing:.03em}.wxclose{margin-top:8px;background:none;border:none;color:var(--mist);font-size:13px;cursor:pointer}.social-row{display:flex;gap:10px;flex-wrap:wrap;margin:6px 0 16px}.social-row a{border:1px solid rgba(255,255,255,.28);padding:6px 15px;border-radius:20px;color:#ffffffd9;font-size:12px;letter-spacing:.04em}.social-row a:hover{border-color:var(--gold-l);color:var(--gold-l)}.wxtabs{display:flex;gap:8px;justify-content:center;margin-bottom:14px}.wxtab{flex:1;border:1px solid var(--line);background:#fff;border-radius:4px;padding:8px 4px;cursor:pointer;font-family:var(--sans);font-size:13.5px;color:var(--navy);font-weight:600}.wxtab small{display:block;font-size:10px;color:var(--mist);font-weight:400;margin-top:2px}.wxtab.on{border-color:var(--gold);background:#b08d4f1a;color:var(--gold)}html{-webkit-text-size-adjust:100%;text-size-adjust:100%}.wrap,.nav-in{padding:0 26px}.nav-cta{white-space:nowrap;margin-left:2px}@media (max-width:1120px){.nav-links{gap:15px}.nav-links a{font-size:13.5px}}.article .wrap{max-width:820px}.article h2{font-size:22px;margin:36px 0 12px}.article>.wrap h2:first-of-type{margin-top:0}.article p{margin-bottom:14px}.article ul{margin:0 0 16px 22px}.article li{margin-bottom:6px}.kbrel{margin-top:44px;padding-top:22px;border-top:1px solid var(--line)}.kbrel a{display:inline-block;margin:0 16px 8px 0;color:var(--gold);font-weight:600;font-size:14.5px}.wxoverlay{padding:16px}.wxbox{width:calc(100% - 40px);max-width:340px;margin:0 auto}.nav-cta{margin-right:2px}.nav-in{padding-left:max(26px,env(safe-area-inset-left));padding-right:max(26px,env(safe-area-inset-right))}.wxtel{font-size:13.5px;color:var(--ink);margin-bottom:10px;line-height:1.8}.wxtel a{color:var(--gold);font-weight:700}@media (max-width:1120px){.nav-links{display:none}.burger{display:block}}.nav-links{flex-wrap:nowrap}.nav-links .nav-cta{margin-left:6px}.mlic{margin-top:8px;font-size:11px;letter-spacing:.06em;color:var(--mist)}.carrier{background:var(--card);border:1px solid var(--line);border-radius:6px;padding:34px 32px;margin-bottom:20px}.carrier-head{display:flex;justify-content:space-between;align-items:baseline;flex-wrap:wrap;gap:10px;border-bottom:1px solid var(--line);padding-bottom:16px;margin-bottom:20px}.carrier-head h3{font-family:var(--serif);font-size:24px;color:var(--navy);letter-spacing:.03em}.carrier-meta{font-size:13px;color:var(--mist)}.carrier-meta span{margin-left:16px}.ratings{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:22px}.rating{text-align:center;background:var(--paper);border:1px solid var(--line);border-radius:4px;padding:16px 8px}.rating b{display:block;font-family:var(--serif);font-size:20px;color:var(--navy);letter-spacing:.02em}.rating span{font-size:11px;letter-spacing:.1em;color:var(--mist);text-transform:uppercase}.carrier-desc{color:var(--ink);margin-bottom:18px;max-width:860px}.carrier-hl ul{margin:0 0 18px 20px;columns:2;column-gap:32px}.carrier-hl li{margin-bottom:8px;color:var(--mist);font-size:14.5px;break-inside:avoid}.carrier-fine{font-size:12px;color:var(--mist);line-height:1.8;border-top:1px solid var(--line);padding-top:14px}@media (max-width:720px){.ratings{grid-template-columns:1fr 1fr}.carrier-hl ul{columns:1}.carrier{padding:26px 22px}}.navlang-m{display:none}@media (max-width:1120px){.navlang-m{display:inline-block;margin-left:auto;padding:8px 14px}.burger{margin-left:4px}}.nav-links a.nav-cta{padding:10px 28px}.wxtab{min-width:0}.wxtab small{overflow-wrap:anywhere;line-height:1.3}.kbfilter{display:flex;flex-wrap:wrap;gap:9px;margin-bottom:28px}.kbf{border:1px solid var(--line);background:var(--card);color:var(--mist);font-family:var(--sans);font-size:13.5px;letter-spacing:.03em;padding:8px 16px;border-radius:20px;cursor:pointer;transition:border-color .15s ease,color .15s ease,background .15s ease}.kbf:hover{border-color:var(--gold-l);color:var(--gold)}.kbf.on{background:var(--navy);border-color:var(--navy);color:#fff}@media (max-width:560px){.kbf{font-size:12.5px;padding:7px 13px}}.pagehead .artdate{margin-top:14px;font-size:12.5px;letter-spacing:.06em;color:#fff9}