/* ============================================================
   99速贷网 PbootCMS 模板样式
   品牌色：深蓝 #1F4E79 / 金 #C9A063 / 浅蓝底 #F5F8FC
   响应式断点：375 / 768 / 1024 / 1280
   SEO 要点：无框架、轻量、首屏快
   ============================================================ */

:root {
  --brand: #1F4E79;
  --brand-dark: #16395C;
  --gold: #C9A063;
  --gold-light: #E8D5AC;
  --bg: #F5F8FC;
  --text: #22303F;
  --text-sub: #5B6B7C;
  --border: #E3E9F0;
  --white: #FFFFFF;
  --red: #C0392B;
  --radius: 8px;
  --shadow: 0 2px 12px rgba(31, 78, 121, 0.08);
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", sans-serif;
  font-size: 16px;
  line-height: 1.7;
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--brand); text-decoration: none; transition: color .2s; }
a:hover { color: var(--gold); }
ul, ol { list-style: none; }
h1, h2, h3, h4, h5, h6 { color: var(--brand-dark); font-weight: 700; line-height: 1.4; }

.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 16px; }
.row { display: flex; flex-wrap: wrap; margin: 0 -12px; }
[class*="col-"] { padding: 0 12px; width: 100%; }
.col-1 { width: 8.333%; } .col-2 { width: 16.667%; } .col-3 { width: 25%; }
.col-4 { width: 33.333%; } .col-5 { width: 41.667%; } .col-6 { width: 50%; }
.col-7 { width: 58.333%; } .col-8 { width: 66.667%; } .col-9 { width: 75%; }
.col-10 { width: 83.333%; } .col-11 { width: 91.667%; } .col-12 { width: 100%; }

/* ---------- 顶部条 ---------- */
.topbar { background: var(--brand-dark); color: #CFE0F2; font-size: 13px; }
.topbar .container { display: flex; justify-content: space-between; align-items: center; min-height: 36px; }
.topbar a { color: #CFE0F2; }
.topbar a:hover { color: var(--gold); }
.topbar .tel { color: var(--gold); font-weight: 700; font-size: 15px; }

/* ---------- 头部导航 ---------- */
.header { position: sticky; top: 0; z-index: 999; background: var(--white); box-shadow: 0 1px 6px rgba(31,78,121,.10); }
.header-inner { display: flex; align-items: center; justify-content: space-between; min-height: 72px; }
.logo { display: flex; align-items: center; gap: 10px; }
.logo img { height: 46px; width: auto; }
.logo-text { font-size: 22px; font-weight: 800; color: var(--brand); line-height: 1.2; }
.logo-text small { display: block; font-size: 11px; font-weight: 400; color: var(--text-sub); letter-spacing: 1px; }

.nav { display: flex; align-items: center; gap: 4px; }
.nav > li { position: relative; }
.nav > li > a { display: block; padding: 26px 14px; color: var(--text); font-size: 15px; font-weight: 500; }
.nav > li > a:hover, .nav > li.active > a { color: var(--brand); }
.nav > li.active > a::after { content: ""; display: block; height: 3px; background: var(--gold); margin-top: 2px; border-radius: 2px; }

.nav .dropdown-menu {
  display: none; position: absolute; top: 100%; left: 0; min-width: 180px;
  background: var(--white); box-shadow: var(--shadow); border-radius: var(--radius);
  padding: 8px 0; z-index: 100;
}
.nav > li:hover .dropdown-menu { display: block; }
.nav .dropdown-menu a { display: block; padding: 10px 18px; font-size: 14px; color: var(--text); }
.nav .dropdown-menu a:hover { background: var(--bg); color: var(--brand); }

.nav-cta { margin-left: 12px; }
.btn {
  display: inline-block; padding: 10px 22px; border-radius: 24px; font-size: 14px;
  font-weight: 600; text-align: center; cursor: pointer; border: 0; transition: all .2s;
}
.btn-gold { background: var(--gold); color: var(--white); }
.btn-gold:hover { background: #B08A3F; color: var(--white); }
.btn-blue { background: var(--brand); color: var(--white); }
.btn-blue:hover { background: var(--brand-dark); color: var(--white); }
.btn-outline { border: 2px solid var(--brand); color: var(--brand); background: transparent; }
.btn-outline:hover { background: var(--brand); color: var(--white); }
.btn-lg { padding: 13px 34px; font-size: 16px; }
.btn-block { display: block; width: 100%; }

.nav-toggle { display: none; background: none; border: 0; font-size: 26px; color: var(--brand); cursor: pointer; }

/* ---------- 主 Banner ---------- */
.hero { background: linear-gradient(135deg, var(--brand-dark) 0%, var(--brand) 60%, #2D6DA3 100%); color: #fff; position: relative; overflow: hidden; }
.hero::after { content: ""; position: absolute; right: -120px; top: -120px; width: 420px; height: 420px; border-radius: 50%; background: rgba(201,160,99,.15); }
.hero-inner { position: relative; z-index: 1; padding: 72px 0; max-width: 760px; }
.hero h1 { color: #fff; font-size: 38px; margin-bottom: 16px; }
.hero h1 span { color: var(--gold-light); }
.hero p { font-size: 17px; color: #D5E4F4; margin-bottom: 30px; line-height: 1.8; }
.hero .hero-cta { display: flex; gap: 16px; flex-wrap: wrap; }
.hero .hero-meta { margin-top: 28px; display: flex; gap: 24px; font-size: 13px; color: #AFC7DF; flex-wrap: wrap; }
.hero .hero-meta b { color: var(--gold-light); font-size: 18px; }

/* ---------- 区块通用 ---------- */
.section { padding: 56px 0; }
.section.bg { background: var(--bg); }
.section-head { text-align: center; margin-bottom: 40px; }
.section-head h2 { font-size: 28px; margin-bottom: 8px; }
.section-head .sub { color: var(--text-sub); font-size: 15px; }
.section-head .line { width: 52px; height: 3px; background: var(--gold); margin: 12px auto 0; border-radius: 2px; }

/* ---------- 产品卡片 ---------- */
.product-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.product-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 26px 22px; transition: all .25s; position: relative; overflow: hidden;
}
.product-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--gold); }
.product-card .icon { width: 52px; height: 52px; border-radius: 12px; background: var(--bg); display: flex; align-items: center; justify-content: center; font-size: 26px; margin-bottom: 14px; }
.product-card h3 { font-size: 18px; margin-bottom: 8px; }
.product-card h3 a { color: var(--brand-dark); }
.product-card p { font-size: 13px; color: var(--text-sub); margin-bottom: 12px; min-height: 40px; }
.product-card .tags { display: flex; gap: 6px; flex-wrap: wrap; margin-bottom: 14px; }
.product-card .tags span { font-size: 12px; background: var(--bg); color: var(--brand); border-radius: 4px; padding: 2px 8px; border: 1px solid var(--border); }
.product-card .more { font-size: 14px; color: var(--gold); font-weight: 600; }
.product-card .num { position: absolute; top: 14px; right: 16px; font-size: 42px; font-weight: 800; color: rgba(31,78,121,.08); }

/* ---------- 评估/工具区 ---------- */
.tool-strip { background: var(--brand); color: #fff; }
.tool-strip .container { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; padding: 40px 16px; }
.tool-item { text-align: center; padding: 20px; border-radius: var(--radius); background: rgba(255,255,255,.06); }
.tool-item h3 { color: var(--gold-light); font-size: 19px; margin-bottom: 8px; }
.tool-item p { font-size: 14px; color: #D5E4F4; margin-bottom: 12px; }

/* ---------- 优势 ---------- */
.advantage-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.advantage-item { text-align: center; padding: 26px 18px; }
.advantage-item .num { font-size: 34px; font-weight: 800; color: var(--gold); margin-bottom: 8px; }
.advantage-item h3 { font-size: 17px; margin-bottom: 8px; }
.advantage-item p { font-size: 13px; color: var(--text-sub); }

/* ---------- 流程 ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; counter-reset: step; }
.step-item { text-align: center; padding: 24px 14px; background: var(--white); border-radius: var(--radius); border: 1px solid var(--border); }
.step-item .step-no { width: 42px; height: 42px; line-height: 42px; margin: 0 auto 12px; background: var(--brand); color: #fff; font-size: 18px; font-weight: 700; border-radius: 50%; }
.step-item h3 { font-size: 16px; margin-bottom: 6px; }
.step-item p { font-size: 13px; color: var(--text-sub); }

/* ---------- FAQ ---------- */
.faq-list { max-width: 860px; margin: 0 auto; }
.faq-item { border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: 10px; overflow: hidden; background: var(--white); }
.faq-item summary { padding: 16px 20px; font-weight: 600; color: var(--brand-dark); cursor: pointer; list-style: none; position: relative; padding-right: 40px; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; position: absolute; right: 18px; top: 50%; transform: translateY(-50%); font-size: 20px; color: var(--gold); font-weight: 700; }
.faq-item[open] summary::after { content: "−"; }
.faq-item .faq-a { padding: 0 20px 18px; font-size: 14px; color: var(--text-sub); }
.faq-item .faq-a p { margin-bottom: 8px; }

/* ---------- 顾问 ---------- */
.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.team-card { text-align: center; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 28px 20px; }
.team-card .avatar { width: 76px; height: 76px; border-radius: 50%; background: var(--bg); margin: 0 auto 14px; display: flex; align-items: center; justify-content: center; font-size: 30px; color: var(--brand); }
.team-card h3 { font-size: 17px; margin-bottom: 4px; }
.team-card .role { color: var(--gold); font-size: 13px; margin-bottom: 10px; }
.team-card p { font-size: 13px; color: var(--text-sub); margin-bottom: 12px; }

/* ---------- 合规条 ---------- */
.compliance-bar { background: #FDF6EC; border-top: 1px solid var(--gold-light); padding: 14px 0; font-size: 13px; color: #7A5A20; text-align: center; }

/* ---------- 内容列表 ---------- */
.list-card { display: flex; gap: 16px; padding: 18px 0; border-bottom: 1px dashed var(--border); align-items: flex-start; }
.list-card .date { flex-shrink: 0; text-align: center; background: var(--bg); border-radius: var(--radius); padding: 8px 14px; }
.list-card .date b { display: block; font-size: 20px; color: var(--brand); line-height: 1.2; }
.list-card .date span { font-size: 12px; color: var(--text-sub); }
.list-card .body h3 { font-size: 17px; margin-bottom: 6px; }
.list-card .body h3 a { color: var(--brand-dark); }
.list-card .body h3 a:hover { color: var(--gold); }
.list-card .body p { font-size: 14px; color: var(--text-sub); display: -webkit-box; -webkit-line-clamp: 2; -webkit-box-orient: vertical; overflow: hidden; }

/* ---------- 面包屑 ---------- */
.crumbs { font-size: 13px; color: var(--text-sub); padding: 14px 0; border-bottom: 1px solid var(--border); margin-bottom: 24px; }
.crumbs a { color: var(--text-sub); }
.crumbs a:hover { color: var(--brand); }
.crumbs .sep { margin: 0 8px; color: #B9C4D0; }

/* ---------- 内容页 ---------- */
.article { max-width: 860px; margin: 0 auto; }
.article h1 { font-size: 28px; margin-bottom: 14px; }
.article .meta { font-size: 13px; color: var(--text-sub); border-bottom: 1px solid var(--border); padding-bottom: 14px; margin-bottom: 22px; }
.article .content { font-size: 15.5px; line-height: 1.9; }
.article .content h2 { font-size: 21px; margin: 28px 0 12px; padding-left: 12px; border-left: 4px solid var(--gold); }
.article .content h3 { font-size: 18px; margin: 22px 0 10px; }
.article .content p { margin-bottom: 14px; }
.article .content ul, .article .content ol { margin: 0 0 14px 22px; }
.article .content ul li { list-style: disc; margin-bottom: 6px; }
.article .content ol li { list-style: decimal; margin-bottom: 6px; }
.article .content table { width: 100%; border-collapse: collapse; margin: 16px 0; font-size: 14px; }
.article .content table th, .article .content table td { border: 1px solid var(--border); padding: 10px 12px; text-align: left; }
.article .content table th { background: var(--bg); color: var(--brand-dark); font-weight: 600; }
.article .content blockquote { border-left: 4px solid var(--gold); background: var(--bg); padding: 12px 18px; margin: 14px 0; color: var(--text-sub); }
.article .content img { margin: 14px auto; border-radius: var(--radius); }
.article .notice { background: #FDF6EC; border: 1px solid var(--gold-light); border-radius: var(--radius); padding: 14px 18px; font-size: 13.5px; color: #7A5A20; margin: 18px 0; }

/* ---------- 分页 ---------- */
.pagination { display: flex; justify-content: center; gap: 8px; margin: 32px 0; flex-wrap: wrap; }
.pagination a, .pagination span { display: inline-block; min-width: 38px; height: 38px; line-height: 38px; padding: 0 12px; text-align: center; border: 1px solid var(--border); border-radius: 6px; font-size: 14px; color: var(--text); background: var(--white); }
.pagination a:hover { border-color: var(--brand); color: var(--brand); }
.pagination .current { background: var(--brand); color: #fff; border-color: var(--brand); }

/* ---------- 产品速览卡 ---------- */
.spec-card { border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; margin-bottom: 24px; }
.spec-card table { width: 100%; border-collapse: collapse; font-size: 14px; }
.spec-card td { padding: 14px 18px; border-bottom: 1px solid var(--border); }
.spec-card td:first-child { width: 120px; background: var(--bg); color: var(--brand-dark); font-weight: 600; }
.spec-card tr:last-child td { border-bottom: 0; }

/* ---------- 计算器 ---------- */
.calc-box { background: var(--bg); border: 1px solid var(--border); border-radius: var(--radius); padding: 26px; margin: 24px 0; }
.calc-box label { display: block; font-size: 14px; color: var(--brand-dark); font-weight: 600; margin: 14px 0 6px; }
.calc-box input, .calc-box select {
  width: 100%; padding: 11px 14px; border: 1px solid var(--border); border-radius: 6px;
  font-size: 15px; background: var(--white); color: var(--text); outline: none;
}
.calc-box input:focus, .calc-box select:focus { border-color: var(--gold); }
.calc-result { margin-top: 18px; background: var(--brand); border-radius: var(--radius); padding: 18px; color: #fff; }
.calc-result .big { font-size: 28px; font-weight: 800; color: var(--gold-light); }

/* ---------- 表单 ---------- */
.form-box { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 30px; max-width: 560px; margin: 0 auto; box-shadow: var(--shadow); }
.form-box h2 { text-align: center; margin-bottom: 6px; }
.form-box .form-sub { text-align: center; color: var(--text-sub); font-size: 13px; margin-bottom: 20px; }
.form-group { margin-bottom: 16px; }
.form-group label { display: block; font-size: 14px; color: var(--brand-dark); font-weight: 600; margin-bottom: 6px; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 12px 14px; border: 1px solid var(--border); border-radius: 6px;
  font-size: 15px; outline: none; font-family: inherit; background: var(--white);
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--gold); }
.form-group .hint { font-size: 12px; color: var(--text-sub); margin-top: 4px; }
.form-tip { font-size: 12px; color: var(--text-sub); text-align: center; margin-top: 12px; line-height: 1.6; }
.form-success { display: none; text-align: center; padding: 40px 20px; }
.form-success .icon { font-size: 52px; margin-bottom: 12px; }
.form-success h3 { margin-bottom: 8px; }

/* ---------- 关于页 ---------- */
.page-head { background: var(--brand); color: #fff; padding: 44px 0; }
.page-head h1 { color: #fff; font-size: 30px; margin-bottom: 6px; }
.page-head p { color: #CFE0F2; font-size: 14px; }
.about-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin: 30px 0; }
.about-item { text-align: center; padding: 24px 16px; background: var(--bg); border-radius: var(--radius); }
.about-item b { display: block; font-size: 26px; color: var(--brand); margin-bottom: 6px; }
.about-item span { font-size: 13px; color: var(--text-sub); }

/* ---------- 页脚 ---------- */
.footer { background: var(--brand-dark); color: #B8CCE0; padding: 48px 0 0; font-size: 14px; }
.footer h4 { color: #fff; font-size: 16px; margin-bottom: 16px; position: relative; padding-bottom: 10px; }
.footer h4::after { content: ""; position: absolute; left: 0; bottom: 0; width: 32px; height: 2px; background: var(--gold); }
.footer a { color: #B8CCE0; }
.footer a:hover { color: var(--gold-light); }
.footer ul li { margin-bottom: 8px; }
.footer .nap { line-height: 2; }
.footer .nap b { color: var(--gold-light); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); margin-top: 36px; padding: 18px 0; text-align: center; font-size: 13px; color: #7E9AB8; }

/* ---------- 悬浮 CTA ---------- */
.float-cta { position: fixed; right: 16px; bottom: 16px; display: flex; flex-direction: column; gap: 10px; z-index: 900; }
.float-cta a { width: 52px; height: 52px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 13px; color: #fff; box-shadow: var(--shadow); text-align: center; line-height: 1.2; }
.float-cta .call { background: var(--gold); }
.float-cta .apply { background: var(--brand); }

/* ---------- 手机底部导航 ---------- */
.mobile-bar { display: none; position: fixed; bottom: 0; left: 0; right: 0; background: var(--white); box-shadow: 0 -2px 10px rgba(0,0,0,.08); z-index: 950; }
.mobile-bar .row { display: grid; grid-template-columns: 1fr 1fr; }
.mobile-bar a { display: block; text-align: center; padding: 12px 0; font-size: 13px; font-weight: 600; }
.mobile-bar .m-call { color: var(--brand); border-right: 1px solid var(--border); }
.mobile-bar .m-apply { background: var(--gold); color: #fff; }

/* ---------- 响应式 ---------- */
@media (max-width: 1024px) {
  .product-grid, .advantage-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .tool-strip .container { grid-template-columns: 1fr; }
  .team-grid, .about-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .nav-toggle { display: block; }
  .nav {
    display: none; position: absolute; top: 72px; left: 0; right: 0; background: var(--white);
    flex-direction: column; align-items: stretch; box-shadow: 0 8px 16px rgba(0,0,0,.08); max-height: 80vh; overflow-y: auto;
  }
  .nav.open { display: flex; }
  .nav > li > a { padding: 14px 20px; border-bottom: 1px solid var(--bg); }
  .nav .dropdown-menu { display: none; position: static; box-shadow: none; padding-left: 20px; }
  .nav > li.open > .dropdown-menu { display: block; }
  .nav-cta { margin: 10px 20px 16px; }
  .nav-cta .btn { width: 100%; }
  .hero-inner { padding: 48px 0; }
  .hero h1 { font-size: 26px; }
  .hero p { font-size: 15px; }
  .section { padding: 40px 0; }
  .section-head h2 { font-size: 22px; }
  .product-grid, .advantage-grid, .steps, .team-grid, .about-grid { grid-template-columns: 1fr; }
  .col-sm-12 { width: 100%; }
  .float-cta { display: none; }
  .mobile-bar { display: block; }
  body { padding-bottom: 0; }
  .mobile-bar + .footer { margin-bottom: 0; }
  .article h1 { font-size: 22px; }
  .calc-box { padding: 18px; }
  .form-box { padding: 20px; }
}

@media (min-width: 769px) {
  .mobile-bar { display: none; }
}

/* ---------- 工具类 ---------- */
.text-center { text-align: center; }
.text-gold { color: var(--gold); }
.text-brand { color: var(--brand); }
.mt-1 { margin-top: 8px; } .mt-2 { margin-top: 16px; } .mt-3 { margin-top: 24px; } .mt-4 { margin-top: 32px; }
.mb-1 { margin-bottom: 8px; } .mb-2 { margin-bottom: 16px; } .mb-3 { margin-bottom: 24px; } .mb-4 { margin-bottom: 32px; }
.hide { display: none; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.gap-2 { gap: 16px; }

/* ---------- 打印友好 ---------- */
@media print {
  .header, .footer, .mobile-bar, .float-cta, .crumbs { display: none !important; }
}