:root{
      --theme:#0B3D91;
      --ink:#172033;
      --muted:#667085;
      --line:#dce3ee;
      --soft:#f4f7fb;
      --paper:#fff;
      --shadow:0 16px 42px rgba(22,45,85,.10);
      --radius:14px
    }
    *{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{margin:0;color:var(--ink);background:#f7f9fc;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI","Microsoft YaHei",Arial,sans-serif;line-height:1.7}
    a{color:inherit;text-decoration:none}
    img{max-width:100%;display:block}
    button{font:inherit}
    .container{width:min(1180px,calc(100% - 32px));margin:0 auto}

    .topbar{background:#10213f;color:#dbe6f8;font-size:13px}
    .topbar .container{min-height:36px;display:flex;align-items:center;justify-content:space-between;gap:20px}
    .topbar a{color:#fff}
    .header{position:relative;z-index:20;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 4px 18px rgba(22,45,85,.05)}
    .header-inner{height:76px;display:flex;align-items:center;gap:28px}
    .logo{display:flex;align-items:center;gap:10px;min-width:190px;font-size:19px;font-weight:800;color:var(--theme)}
    .logo img{width:38px;height:38px;object-fit:contain}
    .main-nav{margin-left:auto}
    .nav-list{display:flex;align-items:stretch;gap:3px;list-style:none;margin:0;padding:0}
    .nav-item{position:relative}
    .nav-link{height:76px;display:flex;align-items:center;padding:0 14px;color:#27334a;font-size:15px;white-space:nowrap}
    .nav-link:hover,.nav-link:focus{color:var(--theme)}
    .has-arrow:after{content:"";width:6px;height:6px;margin:0 0 4px 8px;border-right:1px solid currentColor;border-bottom:1px solid currentColor;transform:rotate(45deg)}
    .dropdown-panel,.mega-menu{position:absolute;left:50%;top:calc(100% - 1px);transform:translate(-50%,8px);width:300px;padding:18px;background:#fff;border:1px solid var(--line);border-radius:0 0 12px 12px;box-shadow:var(--shadow);opacity:0;visibility:hidden;pointer-events:none;transition:.2s ease}
    .mega-menu{width:570px}
    .nav-item:hover>.dropdown-panel,.nav-item:focus-within>.dropdown-panel,.nav-item:hover>.mega-menu,.nav-item:focus-within>.mega-menu{opacity:1;visibility:visible;pointer-events:auto;transform:translate(-50%,0)}
    .dropdown-panel:before,.mega-menu:before{content:"";position:absolute;left:0;right:0;top:-12px;height:12px}
    .menu-title{margin:0 0 10px;color:var(--theme);font-weight:800;font-size:14px}
    .menu-list{display:grid;gap:8px}
    .menu-list a{display:block;padding:6px 8px;border-radius:7px;font-size:13px}
    .menu-list a:hover{background:var(--soft);color:var(--theme)}
    .mega-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:9px}
    .mega-card{min-width:0;padding:10px;border:1px solid var(--line);border-radius:9px;background:#fff;font-size:12px;transition:.2s}
    .mega-card:hover{border-color:#9ab2db;background:#f7faff}
    .mega-card img{width:28px;height:28px;object-fit:contain;margin-bottom:5px}
    .mega-card b{font-size:13px}
    .mega-card small{color:var(--muted);font-size:11px}
    .mega-footer{display:block;margin-top:13px;padding-top:10px;border-top:1px solid var(--line);color:var(--theme);font-size:13px;font-weight:700}
    .header-btns{display:flex;align-items:center;gap:9px;white-space:nowrap}
    .member,.open-account{padding:8px 13px;border-radius:7px;font-size:13px}
    .member{color:var(--theme);border:1px solid #b8c9e4}
    .open-account{color:#fff;background:var(--theme)}
    .hamburger{display:none;width:42px;height:40px;border:1px solid var(--line);border-radius:8px;background:#fff;cursor:pointer}
    .hamburger span{display:block;width:20px;height:2px;margin:4px auto;background:var(--ink);transition:.2s}
    .hamburger.active span:nth-child(1){transform:translateY(6px) rotate(45deg)}
    .hamburger.active span:nth-child(2){opacity:0}
    .hamburger.active span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}

    .drawer-overlay{position:fixed;inset:0;background:rgba(12,25,47,.48);opacity:0;visibility:hidden;z-index:40;transition:.2s}
    .drawer-overlay.open{opacity:1;visibility:visible}
    .mobile-drawer{position:fixed;top:0;right:0;bottom:0;width:min(380px,88vw);background:#fff;z-index:41;transform:translateX(100%);transition:.25s ease;overflow:auto;box-shadow:-12px 0 35px rgba(0,0,0,.16)}
    .mobile-drawer.open{transform:translateX(0)}
    .drawer-head{height:68px;display:flex;align-items:center;gap:14px;padding:0 20px;border-bottom:1px solid var(--line);font-weight:800}
    .drawer-head span{margin-right:auto;color:var(--theme)}
    .drawer-head a{padding:5px 10px;color:#fff;background:var(--theme);border-radius:6px;font-size:13px}
    .drawer-close{border:0;background:transparent;font-size:28px;line-height:1;color:#64748b;cursor:pointer}
    .drawer-menu{padding:12px 20px 32px}
    .drawer-link,.drawer-toggle{display:block;width:100%;padding:13px 0;border:0;border-bottom:1px solid #edf0f5;background:none;text-align:left;color:var(--ink);font-size:15px;cursor:pointer}
    .drawer-toggle:after{content:"+";float:right;color:var(--theme);font-size:20px}
    .drawer-toggle.active:after{content:"−"}
    .drawer-submenu{display:none;padding:5px 0 7px 14px;border-bottom:1px solid #edf0f5}
    .drawer-submenu.open{display:block}
    .drawer-submenu a{display:block;padding:7px 0;color:var(--muted);font-size:13px}

    .tools-page{padding:0 0 72px}
    .tools-hero{padding:68px 0 52px;background:linear-gradient(135deg,#eef4fd 0%,#fff 62%);border-bottom:1px solid var(--line)}
    .tools-hero .eyebrow{display:inline-flex;align-items:center;gap:8px;color:var(--theme);font-size:13px;font-weight:800;letter-spacing:.12em}
    .tools-hero .eyebrow:before{content:"";display:inline-block;width:28px;height:2px;background:var(--theme)}
    .tools-hero h1{max-width:760px;margin:14px 0 12px;font-size:clamp(32px,5vw,58px);line-height:1.15;letter-spacing:-.04em}
    .tools-hero p{max-width:680px;margin:0;color:var(--muted);font-size:16px}
    .tools-summary{display:flex;flex-wrap:wrap;gap:10px;margin-top:25px}
    .summary-chip{padding:8px 13px;border:1px solid #c9d8ef;border-radius:999px;background:#fff;color:#365176;font-size:13px}
    .tools-content{padding-top:42px}
    .section-heading{display:flex;align-items:end;justify-content:space-between;gap:20px;margin-bottom:20px}
    .section-heading h2{margin:0;font-size:27px;line-height:1.3}
    .section-heading p{margin:0;color:var(--muted);font-size:14px}
    .tools-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
    .tool-card{display:flex;flex-direction:column;min-height:245px;padding:22px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 7px 20px rgba(28,56,98,.05);transition:.22s}
    .tool-card:hover{transform:translateY(-4px);border-color:#9ab5df;box-shadow:var(--shadow)}
    .tool-icon{display:flex;align-items:center;justify-content:center;width:52px;height:52px;margin-bottom:17px;border-radius:13px;background:#edf4ff;color:var(--theme);overflow:hidden}
    .tool-icon img{width:34px;height:34px;object-fit:contain}
    .tool-card h3{margin:0 0 8px;font-size:18px}
    .tool-card p{display:-webkit-box;overflow:hidden;margin:0;color:var(--muted);font-size:14px;line-height:1.7;-webkit-line-clamp:3;-webkit-box-orient:vertical}
    .tool-card-footer{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-top:auto;padding-top:19px}
    .tool-meta{color:#8793a7;font-size:12px}
    .tool-link{color:var(--theme);font-size:13px;font-weight:800}
    .tool-link:after{content:" →";transition:.2s}
    .tool-card:hover .tool-link:after{padding-left:4px}
    .tools-note{display:flex;align-items:center;gap:16px;margin-top:30px;padding:20px 22px;border-left:4px solid var(--theme);background:#edf4ff;color:#31415a}
    .tools-note strong{color:var(--theme);white-space:nowrap}
    .tools-note p{margin:0;font-size:14px}

    .footer{padding:48px 0 0;background:#101d35;color:#cbd6e8}
    .footer-grid{display:grid;grid-template-columns:1.45fr 1fr 1fr 1fr;gap:34px}
    .footer h3{margin:0 0 14px;color:#fff;font-size:16px}
    .footer p{margin:0 0 10px;color:#aebbd0;font-size:13px}
    .footer-grid>div>a{display:block;margin:7px 0;color:#b8c6da;font-size:13px}
    .footer-grid>div>a:hover{color:#fff}
    .footer-bottom{margin-top:36px;padding:17px 0;border-top:1px solid rgba(255,255,255,.12);color:#91a0b6;font-size:12px}

    @media(max-width:1050px){
      .main-nav{display:none}
      .hamburger{display:block}
      .tools-grid{grid-template-columns:repeat(2,1fr)}
    }
    @media(max-width:680px){
      .container{width:min(100% - 24px,1180px)}
      .topbar .container{align-items:flex-start;flex-direction:column;gap:0;padding:7px 0;font-size:12px}
      .header-inner{height:66px;gap:10px}
      .logo{min-width:0;font-size:16px}
      .logo img{width:32px;height:32px}
      .member{display:none}
      .open-account{padding:7px 10px;font-size:12px}
      .tools-hero{padding:45px 0 38px}
      .tools-hero h1{font-size:36px}
      .tools-hero p{font-size:14px}
      .tools-content{padding-top:30px}
      .section-heading{display:block}
      .section-heading h2{font-size:24px;margin-bottom:6px}
      .tools-grid{grid-template-columns:1fr;gap:13px}
      .tool-card{min-height:220px}
      .tools-note{display:block}
      .tools-note strong{display:block;margin-bottom:7px}
      .footer{padding-top:36px}
      .footer-grid{grid-template-columns:1fr 1fr;gap:25px 18px}
      .footer-grid>div:first-child{grid-column:1/-1}
    }