/* ============================================================
   BBpay — 代码版样式
   设计系统：深蓝 Hero + 浅色内容区 + 蓝/薄荷绿主色 + 金色卡片区
   ============================================================ */
:root{
  --navy:#0A1733;
  --navy2:#0E2148;
  --ink:#0E1B33;
  --ink-soft:#3C4A63;
  --muted:#6B7895;
  --line:#E4E9F2;
  --bg:#F5F7FB;
  --white:#fff;
  --blue:#1E5BFF;
  --blue-d:#0E3FCC;
  --teal:#00C896;
  --teal-d:#00A57E;
  --gold:#E0A33E;
  --gold-d:#C8881E;
  --radius:18px;
  --radius-lg:26px;
  --shadow:0 18px 50px rgba(14,27,51,.10);
  --shadow-sm:0 8px 24px rgba(14,27,51,.08);
  --maxw:1180px;
  --ff:"PingFang SC","Microsoft YaHei","Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:var(--ff);
  color:var(--ink);
  background:var(--bg);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
a{text-decoration:none;color:inherit}
img{display:block;max-width:100%}
b,strong{font-weight:700}
.container{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.section{position:relative;padding:96px 0}
.section-light{background:var(--bg)}
.svg-ic{width:22px;height:22px}

/* ---------- 阅读进度条 ---------- */
.progress{
  position:fixed;top:0;left:0;height:3px;width:0;
  background:linear-gradient(90deg,var(--blue),var(--teal));
  z-index:1001;transition:width .1s linear;
}

/* ============ 顶部导航 ============ */
.topnav{
  position:fixed;top:0;left:0;right:0;z-index:1000;
  display:flex;align-items:center;gap:28px;
  padding:16px 32px;background:rgba(10,23,51,.72);
  backdrop-filter:saturate(140%) blur(12px);
  border-bottom:1px solid rgba(255,255,255,.06);
  transition:background .3s,padding .3s;
}
.topnav.solid{background:rgba(10,23,51,.95);padding:12px 32px}
.brand{font-size:24px;font-weight:800;letter-spacing:.5px;color:#fff}
.brand b{color:var(--teal);font-weight:800}
.nav-links{display:flex;gap:26px;list-style:none;margin-left:8px}
.nav-links a{color:rgba(255,255,255,.78);font-size:15px;font-weight:500;padding:6px 0;position:relative;transition:color .2s}
.nav-links a:hover,.nav-links a.active{color:#fff}
.nav-links a::after{content:"";position:absolute;left:0;bottom:-2px;height:2px;width:0;background:var(--teal);transition:width .25s}
.nav-links a:hover::after,.nav-links a.active::after{width:100%}
.nav-actions{margin-left:auto;display:flex;align-items:center;gap:14px}
.nav-login{color:rgba(255,255,255,.85);font-size:15px;font-weight:500}
.nav-login:hover{color:#fff}
.nav-cta{
  background:linear-gradient(135deg,var(--blue),var(--teal));
  color:#fff;font-size:15px;font-weight:600;padding:9px 20px;border-radius:999px;
  transition:transform .2s,box-shadow .2s;
}
.nav-cta:hover{transform:translateY(-1px);box-shadow:0 8px 20px rgba(0,200,150,.35)}
.hamburger{display:none;background:none;border:0;color:#fff;font-size:24px;cursor:pointer;margin-left:auto}

/* ============ 通用按钮 ============ */
.btn{
  display:inline-flex;align-items:center;gap:8px;cursor:pointer;
  font-size:15px;font-weight:600;border-radius:999px;padding:13px 26px;border:0;
  transition:transform .2s,box-shadow .2s,background .2s;line-height:1;
}
.btn svg{width:18px;height:18px}
.btn-primary{background:linear-gradient(135deg,var(--blue),var(--teal));color:#fff;box-shadow:0 10px 26px rgba(0,160,200,.3)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 14px 32px rgba(0,160,200,.4)}
.btn-outline{background:rgba(255,255,255,.08);color:#fff;border:1px solid rgba(255,255,255,.28)}
.btn-outline:hover{background:rgba(255,255,255,.16);transform:translateY(-2px)}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:var(--blue-d);transform:translateY(-2px);box-shadow:0 12px 26px rgba(30,91,255,.3)}
.btn-gold{background:linear-gradient(135deg,var(--gold),#F0B95A);color:#3a2a06}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 12px 26px rgba(224,163,62,.34)}
.btn-block{width:100%;justify-content:center;margin-top:8px}

/* ============ Section 通用标题 ============ */
.section-tag{
  display:inline-flex;align-items:center;gap:10px;
  font-size:14px;font-weight:700;letter-spacing:1.5px;color:var(--blue);
  text-transform:uppercase;margin-bottom:16px;
}
.section-tag span{
  display:inline-flex;align-items:center;justify-content:center;
  border-radius:10px;
  background:rgba(30,91,255,.1);color:var(--blue);font-size:15px;font-weight:800;
}
.section-tag b{padding:5px 14px;background:rgba(30,91,255,.1);border-radius:999px;color:var(--blue)}
.section-title{font-size:34px;font-weight:800;color:var(--ink);letter-spacing:-.5px;line-height:1.25}
.section-subtitle{margin-top:14px;font-size:17px;color:var(--muted);max-width:760px;overflow-wrap:break-word;word-break:break-word}

/* ============ Section 1 Hero ============ */
.section-hero{
  background:radial-gradient(1200px 700px at 75% 10%,#15306b 0%,#0A1733 55%,#070F24 100%);
  color:#fff;padding:150px 0 70px;overflow:hidden;
}
.hero-grid{
  max-width:var(--maxw);margin:0 auto;padding:0 24px;
  display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center;
}
.hero-grid > *{min-width:0}
.hero-text,.hero-visual{min-width:0}
.tag-pill{
  display:inline-flex;align-items:center;gap:8px;font-size:14px;font-weight:600;
  color:#cfe0ff;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);
  padding:8px 16px;border-radius:999px;margin-bottom:22px;
}
.tag-pill .dot{width:8px;height:8px;border-radius:50%;background:var(--teal);box-shadow:0 0 0 4px rgba(0,200,150,.25)}
.hero-title{font-size:clamp(38px,4.2vw,52px);font-weight:800;line-height:1.14;letter-spacing:-.5px;max-width:660px}
.hero-subtitle{margin-top:18px;font-size:22px;font-weight:700;color:var(--teal)}
.hero-desc{margin-top:16px;font-size:17px;color:rgba(255,255,255,.72);line-height:1.7}
.hero-stats{
  margin:34px 0 32px;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;
  border-top:1px solid rgba(255,255,255,.12);padding-top:26px;
}
.hero-stats .stat b{display:block;font-size:30px;font-weight:800;color:#fff;letter-spacing:-.5px}
.hero-stats .stat span{font-size:11.5px;color:rgba(255,255,255,.6)}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.hero-visual{position:relative;display:flex;justify-content:center;align-items:center}
.hero-globe{width:100%;max-width:520px;filter:drop-shadow(0 30px 60px rgba(0,0,0,.45));animation:floaty 6s ease-in-out infinite}
@keyframes floaty{0%,100%{transform:translateY(0)}50%{transform:translateY(-14px)}}

.hero-trust{
  max-width:var(--maxw);margin:56px auto 0;padding:22px 24px 0;
  display:grid;grid-template-columns:repeat(4,1fr);gap:18px;
  border-top:1px solid rgba(255,255,255,.1);
}
.trust-item{display:flex;align-items:center;gap:14px}
.trust-item b{display:block;font-size:15px;color:#fff}
.trust-item span{font-size:12.5px;color:rgba(255,255,255,.6)}
.trust-ic{
  width:42px;height:42px;flex:0 0 42px;border-radius:12px;
  background:rgba(0,200,150,.12);border:1px solid rgba(0,200,150,.3);
  position:relative;
}
.trust-ic::after{content:"";position:absolute;inset:0;background-position:center;background-repeat:no-repeat;background-size:22px}
.ic-shield::after{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2300C896' stroke-width='1.8'%3E%3Cpath d='M12 3l8 4v5c0 5-3 8-8 9-5-1-8-4-8-9V7z'/%3E%3C/svg%3E")}
.ic-shield-check::after{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2300C896' stroke-width='1.8'%3E%3Cpath d='M12 3l8 4v5c0 5-3 8-8 9-5-1-8-4-8-9V7z'/%3E%3Cpath d='M9 12l2 2 4-4'/%3E%3C/svg%3E")}
.ic-layers::after{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2300C896' stroke-width='1.8'%3E%3Cpath d='M12 3l8 4-8 4-8-4z'/%3E%3Cpath d='M4 11l8 4 8-4'/%3E%3C/svg%3E")}
.ic-headset::after{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2300C896' stroke-width='1.8'%3E%3Cpath d='M4 13a8 8 0 0 1 16 0v4a3 3 0 0 1-3 3h-1v-7h4M4 13v4a3 3 0 0 0 3 3h1v-7H4'/%3E%3C/svg%3E")}

/* ============ Section 2 两大核心产品 ============ */
.two-cards{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-top:50px}
.prod-card{
  position:relative;overflow:hidden;border-radius:var(--radius-lg);padding:38px 34px 34px;
  background:var(--white);box-shadow:var(--shadow);min-height:420px;
  border:1px solid var(--line);
}
.prod-card-left{background:linear-gradient(160deg,#fff 0%,#f0f5ff 100%)}
.prod-card-right{background:linear-gradient(160deg,#fff 0%,#fff8ec 100%)}
.prod-label{display:inline-block;font-size:12px;font-weight:800;letter-spacing:1.5px;color:var(--blue);background:rgba(30,91,255,.1);padding:6px 12px;border-radius:8px}
.prod-label-gold{color:var(--gold-d);background:rgba(224,163,62,.14)}
.prod-head h3{font-size:30px;font-weight:800;margin-top:14px;color:var(--ink)}
.prod-desc{margin-top:14px;font-size:15.5px;color:var(--ink-soft);line-height:1.7;max-width:420px}
.check-list{list-style:none;margin:20px 0 26px;display:grid;gap:11px}
.check-list li{display:flex;align-items:center;gap:11px;font-size:15px;color:var(--ink-soft);font-weight:500}
.chk{width:20px;height:20px;flex:0 0 20px;border-radius:50%;background:var(--blue);position:relative}
.chk::after{content:"";position:absolute;left:7px;top:4px;width:5px;height:9px;border:solid #fff;border-width:0 2px 2px 0;transform:rotate(45deg)}
.chk-gold{background:var(--gold)}
.prod-decor{position:absolute;right:-30px;bottom:-10px;width:240px;opacity:.96}
.prod-decor img{width:100%}
.prod-decor-right{width:230px;right:-20px}

/* ============ Section 3 多种付款方式 ============ */
.pay-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:50px}
.pay-card{
  background:var(--white);border:1px solid var(--line);border-radius:var(--radius);
  padding:30px 22px;text-align:center;box-shadow:var(--shadow-sm);
  transition:transform .25s,box-shadow .25s;
}
.pay-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.pay-illu{
  width:120px;height:120px;margin:0 auto 16px;border-radius:50%;
  background:linear-gradient(160deg,#eaf1ff,#f5f9ff);display:flex;align-items:center;justify-content:center;
}
.pay-illu img{width:84px;height:84px;object-fit:contain;
border-radius: 50%;
}
.pay-card h3{font-size:19px;font-weight:700;color:var(--ink)}
.pay-divider{display:block;width:36px;height:2px;background:var(--teal);margin:14px auto;border-radius:2px}
.pay-card p{font-size:14.5px;color:var(--muted);line-height:1.6}

/* ============ Section 4 企业发卡 ============ */
.section-card{background:radial-gradient(900px 500px at 50% -10%,#13306e,#F0F7FE 60%,EFF6FE);color:#000}
.section-card .section-tag,.section-card .section-tag b{color:#7fd8ff;}
.section-card .section-title{color:#000}
.section-card .section-subtitle{color:000}
.card-grid{display:grid;grid-template-columns:1fr 1fr;gap:46px;margin-top:50px;align-items:center}
.card-visual{display:flex;justify-content:center}
.card-visual img{width:100%;max-width:460px;filter:drop-shadow(0 30px 60px rgba(0,0,0,.5))}
.card-types{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:20px;
}
/* 选中第3个子项，跨全部网格，自身内部居中 */
.card-types > div:nth-child(3) {
  grid-column: 1 / -1;
  justify-self: center;
  /* 可选：限制卡片最大宽度，不要拉满整行 */
  min-width: 280px;
  /* width:100%; */
}
.card-type{
  background:white;border:1px solid rgba(255,255,255,.12);
  border-radius:var(--radius);padding:24px;transition:transform .25s,background .25s;
}
.card-type:hover{transform:translateY(-5px);background:rgba(255,255,255,.09)}
.ct-ic{display:inline-flex;align-items:center;justify-content:center;width:46px;height:46px;border-radius:12px;color:#000;margin-bottom:14px}
.ct-ic-1{background:linear-gradient(135deg,#1E5BFF,#00C8FF)}
.ct-ic-2{background:linear-gradient(135deg,#00C896,#00D9A8)}
.ct-ic-3{background:linear-gradient(135deg,#7B5CFF,#A77BFF)}
.ct-ic-4{background:linear-gradient(135deg,#E0A33E,#F0B95A)}
.ct-ic svg{width:24px;height:24px}
.card-type h4{font-size:18px;font-weight:700;color:#000}
.card-type p{margin-top:7px;font-size:13px;color:000;line-height:1.6}

/* ============ Section 5 全球覆盖 ============ */
.coverage-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:34px;margin-top:50px;align-items:center}
.coverage-map{position:relative;border-radius:var(--radius-lg);overflow:hidden;background:linear-gradient(160deg,#eaf1ff,#f6faff);border:1px solid var(--line);padding:20px}
.map-bg{width:100%;position:relative;z-index:1}
.map-arcs{position:absolute;inset:20px;z-index:2;width:calc(100% - 40px);height:calc(100% - 40px)}
.coverage-stats{display:grid;gap:18px}
.cov-stat{
  background:var(--white);border:1px solid var(--line);border-radius:var(--radius);
  padding:26px 22px;box-shadow:var(--shadow-sm);position:relative;overflow:hidden;
}
.cov-stat b{display:block;font-size:36px;font-weight:800;color:var(--blue);letter-spacing:-1px}
.cov-stat span{font-size:14px;color:var(--muted)}
.cov-stat i{position:absolute;right:-12px;bottom:-12px;width:60px;height:60px;border-radius:50%;background:rgba(30,91,255,.07)}
.coverage-bottom{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:28px}
.cov-bottom-card{
  display:flex;align-items:center;gap:16px;background:var(--white);
  border:1px solid var(--line);border-radius:var(--radius);padding:22px 26px;box-shadow:var(--shadow-sm);
}
.cbc-ic{width:48px;height:48px;flex:0 0 48px;border-radius:12px;background:rgba(0,200,150,.12);color:var(--teal-d);display:flex;align-items:center;justify-content:center}
.cbc-ic svg{width:26px;height:26px}
.cov-bottom-card b{display:block;font-size:16px;color:var(--ink);letter-spacing:.5px}
.cov-bottom-card span{font-size:13px;color:var(--muted)}

/* ============ Section 6 行业场景 ============ */
.industries-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;margin-top:50px}
.industry-card{
  background:var(--white);border:1px solid var(--line);border-radius:var(--radius);
  overflow:hidden;box-shadow:var(--shadow-sm);transition:transform .25s,box-shadow .25s;
  display:flex;flex-direction:column;
}
.industry-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.industry-photo{height:128px;overflow:hidden;background:#dfe8fb}
.industry-photo img{width:100%;height:100%;object-fit:cover;object-position:top center}
.industry-body{padding:16px 16px 20px}
.industry-ic{
  display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;
  border-radius:12px;background:#fff;color:var(--blue);
  border:1px solid var(--line);
  box-shadow:0 4px 12px rgba(14,27,51,.06);margin-bottom:12px;
}
.industry-ic svg{width:21px;height:21px}
.industry-body h3{font-size:17px;font-weight:700;color:var(--ink)}
.ind-line{margin-top:10px;padding-top:10px;border-top:1px dashed var(--line)}
.ind-line b{display:block;font-size:10.5px;font-weight:800;letter-spacing:1px;color:var(--blue)}
.ind-lines b{display:block;font-size:10.5px;font-weight:800;letter-spacing:1px;color:#09A69E}
.ind-lines span{font-size:11.5px;color:var(--muted)}
.ind-line span{font-size:11.5px;color:var(--muted)}

/* ============ Section 7 为什么选择 ============ */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:50px}
.why-card{
  display:flex;gap:16px;background:var(--white);border:1px solid var(--line);
  border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-sm);transition:transform .25s,box-shadow .25s;
}
.why-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.why-ic{flex:0 0 46px;width:46px;height:46px;border-radius:12px;color:var(--blue);background:rgba(30,91,255,.1);display:flex;align-items:center;justify-content:center}
.why-ic svg{width:26px;height:26px}
.why-ic-multi{position:relative;background:linear-gradient(135deg,#eaf1ff,#fff3df)}
.why-ic-multi .cur{position:absolute;width:20px;height:20px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:11px;color:#fff}
.why-ic-multi .cur i{font-style:normal}
.cur-d{background:#1E5BFF;top:-2px;left:-2px}
.cur-y{background:#00B894;bottom:-2px;left:8px}
.cur-b{background:#E0A33E;top:6px;right:-2px}
.why-card h4{font-size:17px;font-weight:700;color:var(--ink)}
.why-card p{margin-top:6px;font-size:13.5px;color:var(--muted);line-height:1.6}

.risk-section{margin-top:60px;text-align:center}
.risk-title{font-size:26px;font-weight:800;color:var(--ink);margin-bottom:28px}
.risk-row{display:grid;grid-template-columns:repeat(5,1fr);gap:18px}
.risk-item{
  display:flex;flex-direction:column;align-items:center;text-align:center;gap:12px;
  background:linear-gradient(160deg,#fff,#f3f7ff);border:1px solid var(--line);
  border-radius:var(--radius);padding:26px 16px;box-shadow:var(--shadow-sm);
}
.risk-ic{width:48px;height:48px;flex:0 0 48px;border-radius:50%;background:rgba(0,200,150,.12);color:var(--teal-d);display:flex;align-items:center;justify-content:center}
.risk-ic svg{width:26px;height:26px}
.risk-item b{font-size:16px;color:var(--ink)}
.risk-item p{font-size:12.5px;color:var(--muted);line-height:1.55}

/* ============ Section 8 联系 + 页脚 ============ */
.section-contact{
  /* ✅由深色改为浅蓝渐变背景 */
  color:#142442;
  padding-bottom:0
}
.contact-grid{
  display:grid;
  grid-template-columns:1.1fr .9fr;
  gap:50px;
  align-items:center;
  padding:30px 0 80px
}
.contact-title{
  font-size:38px;
  font-weight:800;
  /* ✅深色标题 */
  color:#0F1E3D
}
.contact-sub{
  margin-top:14px;
  font-size:16px;
  /* ✅浅色下辅助文字 */
  color:#475569;
  max-width:480px
}
.contact-form{
  margin-top:30px;
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:18px;
  /* ✅浅色表单容器 */
  background:#ffffff;
  border:1px solid #dbe6f5;
  border-radius:var(--radius-lg);
  padding:30px;
  box-shadow: 0 12px 32px rgba(14, 33, 72, 0.08);
}
.field{
  display:flex;
  flex-direction:column;
  gap:8px
}
.field-full{
  grid-column:1/-1
}
.field label{
  font-size:13.5px;
  /* ✅label深色 */
  color:#2c3e58;
  font-weight:500
}
.field input,.field textarea{
  /* ✅输入框浅色样式 */
  background:#f7fafe;
  border:1px solid #cbd9ec;
  border-radius:12px;
  padding:12px 14px;
  color:#1a2b48;
  font-size:14.5px;
  font-family:var(--ff);
  transition:border-color .2s,background .2s;
  resize:vertical;
}
.field input::placeholder,.field textarea::placeholder{
  /* ✅占位符灰色 */
  color:#94a3b8
}
.field input:focus,.field textarea:focus{
  outline:none;
  border-color:var(--teal);
  background:#ffffff;
}
.contact-visual{
  display:flex;
  justify-content:center
}
.contact-visual img{
  width:100%;
  max-width:440px;
  /* ✅阴影适配浅色页面 */
  filter:drop-shadow(0 24px 50px rgba(14,33,72,.18))
}
.footer{border-top:1px solid rgba(255,255,255,.1);padding:50px 0 28px;background:rgba(7,15,36)}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:30px}
.brand-footer{font-size:22px}
.footer-brand p{margin-top:14px;font-size:14px;color:rgba(255,255,255,.62);max-width:320px;line-height:1.7}
.footer-tag{display:inline-block;margin-top:16px;font-size:12px;color:var(--teal);background:rgba(0,200,150,.12);padding:5px 12px;border-radius:999px}
.footer-col h5{font-size:15px;color:#fff;margin-bottom:16px;font-weight:700}
.footer-col a{display:block;font-size:14px;color:rgba(255,255,255,.62);padding:6px 0;transition:color .2s}
.footer-col a:hover{color:var(--teal)}
.footer-bottom{max-width:var(--maxw);margin:34px auto 0;padding:20px 24px 0;border-top:1px solid rgba(255,255,255,.08);display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:13px;color:rgba(255,255,255,.5)}
.footer-links a{color:rgba(255,255,255,.5)}
.footer-links a:hover{color:var(--teal)}

/* ============ 回到顶部 ============ */
.back-top{
  position:fixed;right:26px;bottom:26px;width:46px;height:46px;border-radius:50%;border:0;
  background:linear-gradient(135deg,var(--blue),var(--teal));color:#fff;font-size:20px;cursor:pointer;
  box-shadow:0 10px 26px rgba(0,160,200,.4);opacity:0;visibility:hidden;transform:translateY(10px);
  transition:opacity .3s,transform .3s,visibility .3s;z-index:900;
}
.back-top.show{opacity:1;visibility:visible;transform:translateY(0)}
.back-top:hover{transform:translateY(-3px)}

/* ============ 侧边浮动联系条 ============ */
.float-contact{position:fixed;right:22px;bottom:88px;display:flex;flex-direction:column;gap:12px;z-index:900}
.fc-item{width:48px;height:48px;border-radius:14px;background:linear-gradient(135deg,var(--blue),var(--teal));display:flex;align-items:center;justify-content:center;box-shadow:0 8px 22px rgba(0,160,200,.35);transition:transform .2s}
.fc-item:hover{transform:translateY(-3px) scale(1.05)}
.fc-ic{width:22px;height:22px;background-position:center;background-repeat:no-repeat;background-size:contain}
.fc-msg{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='1.8'%3E%3Cpath d='M21 11.5a8.5 8.5 0 0 1-12 7.7L3 21l1.8-6A8.5 8.5 0 1 1 21 11.5z'/%3E%3C/svg%3E")}
.fc-chat{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='1.8'%3E%3Cpath d='M4 5h16v11H7l-3 3z'/%3E%3C/svg%3E")}
.fc-mail{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='1.8'%3E%3Crect x='3' y='5' width='18' height='14' rx='2'/%3E%3Cpath d='M3 7l9 6 9-6'/%3E%3C/svg%3E")}

/* ============ 滚动进入动画 ============ */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}

/* ============ 响应式 ============ */
@media (max-width:1080px){
  .hero-title{font-size:46px}
  .industries-grid{grid-template-columns:repeat(3,1fr)}
  .risk-row{grid-template-columns:repeat(3,1fr)}
  .why-grid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:880px){
  .nav-links{
    position:fixed;top:64px;right:0;left:0;flex-direction:column;gap:0;
    background:rgba(10,23,51,.97);padding:10px 0;transform:translateY(-120%);transition:transform .3s;
  }
  .nav-links.open{transform:translateY(0)}
  .nav-links li{padding:0 24px}
  .nav-links a{display:block;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.08)}
  .nav-actions{display:none}
  .hamburger{display:block}
  .hero-grid{grid-template-columns:1fr;text-align:center;padding:0 18px}
  .hero-stats{grid-template-columns:repeat(2,1fr);gap:18px 12px}
  .hero-stats .stat b{font-size:26px}
  .hero-stats .stat span{font-size:12px;line-height:1.4}
  .hero-trust{grid-template-columns:repeat(2,1fr);gap:20px 14px;padding:18px 18px 0}
  .hero-cta{flex-direction:column;align-items:stretch}
  .hero-cta .btn{justify-content:center;width:100%}
  .hero-visual{order:-1}
  .two-cards,.card-grid,.coverage-grid,.contact-grid,.footer-grid,.coverage-bottom{grid-template-columns:1fr}
  .pay-grid{grid-template-columns:repeat(2,1fr)}
  .card-types{grid-template-columns:1fr 1fr}
  .industries-grid{grid-template-columns:repeat(2,1fr);gap:14px}
  .industries-grid > *{min-width:0}
  .risk-row{grid-template-columns:repeat(2,1fr);gap:14px}
  .risk-row > *{min-width:0}
  .why-grid,.pay-grid > *{grid-template-columns:1fr 1fr;gap:14px}
  .pay-grid > *,.why-grid > *{min-width:0}
  .coverage-bottom > *{min-width:0;overflow:hidden}
  .topnav{padding:12px 18px}
  .section{padding:72px 0}
  .section-title{font-size:28px}
  .hero-title{font-size:30px;max-width:100%;overflow-wrap:break-word;word-break:break-word}
  .hero-subtitle{font-size:18px}
  .hero-desc{font-size:15px}
  .float-contact{display:none}
}
@media (max-width:520px){
  .why-grid,.pay-grid,.industries-grid,.risk-row{grid-template-columns:1fr}
  .hero-stats,.coverage-stats{grid-template-columns:1fr 1fr;gap:14px 10px}
  .hero-stats .stat b{font-size:22px}
  .hero-trust{grid-template-columns:1fr 1fr;padding:16px 16px 0;gap:16px 10px}
  .contact-form{grid-template-columns:1fr}
  .section-title{font-size:24px}
  .brand{font-size:20px}
  .container{padding:0 16px}
  .hero-grid{padding:0 16px}
  .hero-title{font-size:26px}
  .hero-cta{flex-direction:column;align-items:stretch}
  .hero-cta .btn{justify-content:center;width:100%}
  .risk-title{font-size:20px;line-height:1.35;padding:0 4px}
  .risk-section{margin-top:40px}
  .section-subtitle{font-size:15px;padding-right:4px}
}

/* ====== ������� ====== */
.lang-switch {
  position: relative;
  display: inline-flex;
  align-items: center;
  margin-left: 6px;
}
.lang-btn {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  height: 34px;
  padding: 0 12px;
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: 18px;
  background: rgba(255,255,255,0.08);
  color: #fff;
  font-size: 13px;
  font-weight: 500;
  cursor: pointer;
  transition: all 0.25s ease;
  white-space: nowrap;
}
.lang-btn:hover { background: rgba(0,200,150,0.25); border-color: rgba(0,200,150,0.6); }
.lang-switch.open .lang-btn { background: rgba(0,200,150,0.25); border-color: rgba(0,200,150,0.6); }
.lang-menu {
  position: absolute;
  top: calc(100% + 8px);
  right: 0;
  min-width: 120px;
  list-style: none;
  margin: 0;
  padding: 6px;
  background: #fff;
  border-radius: 12px;
  box-shadow: 0 8px 32px rgba(11,30,63,0.18);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: all 0.2s ease;
  z-index: 100;
}
.lang-switch.open .lang-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.lang-menu li {
  padding: 9px 12px;
  border-radius: 8px;
  font-size: 13px;
  color: #0B1E3F;
  cursor: pointer;
  transition: background 0.18s ease;
  white-space: nowrap;
}
.lang-menu li:hover { background: rgba(0,200,150,0.1); }
.lang-menu li.active { color: #00C896; font-weight: 600; }

/* ����������dzɫ̬�����л�����ʽ */
.topnav.scrolled .lang-btn {
  color: #0B1E3F;
  border-color: rgba(11,30,63,0.2);
  background: rgba(11,30,63,0.05);
}
.topnav.scrolled .lang-btn:hover,
.topnav.scrolled .lang-switch.open .lang-btn {
  background: rgba(0,200,150,0.12);
  border-color: rgba(0,200,150,0.5);
}

@media (max-width: 1100px) {
  .lang-switch { margin-left: 0; }
  .lang-btn { height: 32px; font-size: 12px; padding: 0 10px; }
}