/* ============================================================
   骏融发卡 · 首页独立样式（home.css）
   与模板 css/style.css 完全独立，仅 index.html 引用，
   不覆盖 card.html / help_danye / logregister 等页面。
   ============================================================ */

:root {
  --ink: #07182a;
  --ink-2: #0e2b45;
  --ink-3: #1b4a70;
  --body: #1f2a37;
  --muted: #5f6f86;
  --line: #e3e8f0;
  --soft: #f5f8fb;
  --white: #ffffff;
  --accent: #cf5b1e;
  --accent-dark: #ad4a15;
  --accent-soft: #fdf1e9;
  --gold: #d9a03c;
  --radius: 14px;
  --wrap: 1180px;
}

* { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  background: var(--white);
  color: var(--body);
  font-family: "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "Helvetica Neue", Arial, sans-serif;
  font-size: 15px;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; border: 0; }
ul, ol, dl, dd { margin: 0; padding: 0; }
li { list-style: none; }
h1, h2, h3, h4 { margin: 0; font-weight: 700; color: var(--ink); }
p { margin: 0; }

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 20px; }

/* ---------------- buttons ---------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  height: 40px;
  padding: 0 18px;
  border-radius: 10px;
  border: 1px solid transparent;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: background .18s, border-color .18s, color .18s, transform .18s;
  white-space: nowrap;
}
.btn-solid { background: var(--ink); color: #fff; }
.btn-solid:hover { background: var(--ink-2); }
.btn-ghost { background: transparent; border-color: var(--line); color: var(--ink); }
.btn-ghost:hover { border-color: var(--ink-3); color: var(--ink-3); }
.btn-cta { background: var(--accent); color: #fff; width: 100%; height: 46px; font-size: 15px; border-radius: 11px; }
.btn-cta:hover { background: var(--accent-dark); }

/* ---------------- top bar ---------------- */
.header-top {
  background: var(--ink);
  color: #c8d6e4;
  font-size: 12.5px;
  line-height: 34px;
}
.header-top .wrap { display: flex; justify-content: space-between; gap: 16px; }
.header-top span { white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.topbar-hotline { color: #fff; font-weight: 600; letter-spacing: .3px; }

/* ---------------- header ---------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 60;
  background: rgba(255,255,255,.96);
  backdrop-filter: saturate(180%) blur(8px);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex;
  align-items: center;
  gap: 28px;
  height: 68px;
}
.logo { display: flex; align-items: center; gap: 10px; flex: 0 0 auto; }
.logo img { height: 34px; width: auto; display: block; }
.logo-fallback { font-size: 19px; font-weight: 800; color: var(--ink); letter-spacing: .5px; }
.main-nav { display: flex; align-items: center; gap: 26px; margin-left: 8px; }
.main-nav a {
  position: relative;
  font-size: 14.5px;
  color: var(--body);
  padding: 6px 0;
}
.main-nav a:hover, .main-nav a.active { color: var(--accent); }
.main-nav a.active::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -2px;
  height: 2px;
  background: var(--accent);
  border-radius: 2px;
}
.header-actions { display: flex; align-items: center; gap: 10px; margin-left: auto; }
.nav-toggle {
  display: none;
  width: 40px; height: 36px;
  border: 1px solid var(--line);
  border-radius: 9px;
  background: #fff;
  cursor: pointer;
  padding: 9px 10px;
}
.nav-toggle i { display: block; height: 2px; background: var(--ink); border-radius: 2px; margin: 4px 0; }

/* ---------------- hero ---------------- */
.hero {
  background:
    radial-gradient(1100px 420px at 78% -10%, rgba(27,74,112,.55), transparent 62%),
    linear-gradient(158deg, #07182a 0%, #0e2b45 58%, #14395a 100%);
  color: #eaf1f8;
  padding: 54px 0 62px;
}
.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(0, .92fr);
  gap: 48px;
  align-items: start;
}
.eyebrow {
  display: inline-block;
  font-size: 12.5px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
  border: 1px solid rgba(217,160,60,.45);
  border-radius: 999px;
  padding: 4px 12px;
  margin-bottom: 20px;
}
.hero h1 {
  color: #fff;
  font-size: 40px;
  line-height: 1.24;
  letter-spacing: -.5px;
  margin-bottom: 16px;
}
.hero h1 em { font-style: normal; color: var(--gold); }
.hero-lead {
  color: #b9cadb;
  font-size: 15px;
  line-height: 1.85;
  max-width: 40em;
  margin-bottom: 26px;
}

/* quote tool */
.quote-card {
  background: #fff;
  border-radius: 16px;
  padding: 20px 20px 18px;
  box-shadow: 0 22px 50px rgba(4,15,26,.35);
  color: var(--body);
  max-width: 520px;
}
.quote-head { display: flex; align-items: baseline; gap: 10px; margin-bottom: 14px; }
.quote-head strong { font-size: 17px; color: var(--ink); }
.quote-head span { font-size: 12.5px; color: var(--muted); }
.quote-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.quote-row + .quote-row { margin-top: 12px; }
.quote-row label { display: block; font-size: 12.5px; color: var(--muted); }
.quote-row select, .quote-row input {
  width: 100%;
  height: 42px;
  margin-top: 6px;
  padding: 0 12px;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: var(--soft);
  font-size: 14px;
  color: var(--ink);
  font-family: inherit;
  outline: none;
}
.quote-row select:focus, .quote-row input:focus { border-color: var(--ink-3); background: #fff; }
.quote-result {
  display: flex;
  align-items: baseline;
  gap: 10px;
  flex-wrap: wrap;
  margin: 16px 0 14px;
  padding: 14px 16px;
  border-radius: 12px;
  background: var(--accent-soft);
  border: 1px solid #f6ded0;
}
.quote-label { font-size: 12.5px; color: #8a5a3a; }
.quote-result strong { font-size: 26px; color: var(--accent); letter-spacing: -.5px; }
.quote-note { font-size: 12px; color: #9a7355; }
.quote-fine { font-size: 11.5px; color: #9aa6b6; line-height: 1.6; margin-top: 10px; }

/* hero side */
.hero-side { display: flex; flex-direction: column; gap: 16px; }
.banner {
  position: relative;
  border-radius: 16px;
  overflow: hidden;
  background: #0d2337;
  min-height: 236px;
  border: 1px solid rgba(255,255,255,.1);
}
.banner-slider { position: relative; height: 236px; }
.banner-slide { position: absolute; inset: 0; opacity: 0; transition: opacity .6s; }
.banner-slide.active { opacity: 1; }
.banner-slide img { width: 100%; height: 100%; object-fit: cover; display: block; }
.banner-placeholder { background: linear-gradient(135deg, #123c5c, #1d5783); }
.banner-dots {
  position: absolute;
  left: 0; right: 0; bottom: 12px;
  display: flex; justify-content: center; gap: 7px;
}
.banner-dots .dot {
  width: 7px; height: 7px;
  border-radius: 50%;
  background: rgba(255,255,255,.42);
  cursor: pointer;
  transition: width .2s, background .2s;
}
.banner-dots .dot.active { width: 20px; border-radius: 4px; background: var(--gold); }

.fact-list {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
}
.fact-list li {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 12px;
  padding: 12px 12px 10px;
}
.fact-list b { display: block; font-size: 20px; color: #fff; line-height: 1.3; }
.fact-list span { font-size: 11.5px; color: #9fb5c9; }

/* ---------------- generic section ---------------- */
.section { padding: 64px 0; }
.section-soft { background: var(--soft); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-title { max-width: 760px; margin-bottom: 30px; }
.section-title h2 { font-size: 27px; letter-spacing: -.3px; }
.section-title p { color: var(--muted); font-size: 14.5px; margin-top: 8px; }
.section-more { margin-top: 28px; text-align: center; }

/* category grid */
.cat-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.cat-card {
  display: block;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 20px 18px 18px;
  background: #fff;
  transition: border-color .18s, transform .18s, box-shadow .18s;
}
.cat-card:hover {
  border-color: #c3d3e4;
  transform: translateY(-2px);
  box-shadow: 0 14px 26px rgba(12,32,54,.07);
}
.cat-card-top { display: flex; align-items: center; gap: 10px; margin-bottom: 12px; }
.cat-icon {
  width: 38px; height: 38px;
  border-radius: 10px;
  background: var(--soft);
  display: flex; align-items: center; justify-content: center;
  flex: 0 0 auto;
  overflow: hidden;
}
.cat-icon img { width: 24px; height: 24px; object-fit: contain; }
.cat-icon b { font-size: 15px; color: var(--ink-3); }
.cat-card h3 { font-size: 15.5px; }
.cat-card-meta { display: flex; justify-content: space-between; align-items: center; font-size: 12.5px; color: var(--muted); }
.cat-card-meta em { font-style: normal; color: var(--accent); font-weight: 700; }

/* product grid */
.prod-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.prod-card {
  display: flex;
  flex-direction: column;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  padding: 16px;
  transition: border-color .18s, box-shadow .18s, transform .18s;
}
.prod-card:hover { border-color: #c3d3e4; box-shadow: 0 14px 26px rgba(12,32,54,.07); transform: translateY(-2px); }
.prod-thumb {
  height: 118px;
  border-radius: 10px;
  background: #fff;
  border: 1px solid var(--line);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 12px;
  overflow: hidden;
  font-size: 13px;
  color: var(--muted);
  text-align: center;
  padding: 0;
}
.prod-thumb img { max-height: 100%; max-width: 100%; height: 100%; width: auto; object-fit: contain; border-radius: 10px; display: block; }
.prod-card h3 { font-size: 14.5px; line-height: 1.45; min-height: 42px; }
.prod-meta { display: flex; align-items: baseline; justify-content: space-between; margin-top: 8px; }
.prod-rate { font-size: 17px; font-weight: 800; color: var(--accent); letter-spacing: -.3px; }
.prod-rate small { font-size: 11.5px; font-weight: 500; color: var(--muted); margin-left: 4px; }
.prod-go { font-size: 12.5px; color: var(--ink-3); }
.prod-go::after { content: " →"; }

/* steps */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  counter-reset: step;
}
.steps li {
  position: relative;
  border-top: 2px solid var(--ink);
  padding: 20px 16px 0 0;
}
.steps li::before {
  content: "";
  position: absolute;
  top: -5px; left: 0;
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--accent);
}
.step-idx {
  display: block;
  font-size: 13px;
  font-weight: 700;
  color: var(--accent);
  letter-spacing: 1px;
  margin-bottom: 8px;
}
.steps h3 { font-size: 16px; margin-bottom: 6px; }
.steps p { font-size: 13px; color: var(--muted); line-height: 1.75; }

/* features */
.feature-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px 28px;
}
.feature-item {
  display: grid;
  grid-template-columns: 96px 1fr;
  gap: 16px;
  padding: 18px 0;
  border-bottom: 1px dashed var(--line);
}
.feature-item h3 { font-size: 15.5px; }
.feature-item p { font-size: 13px; color: var(--muted); line-height: 1.75; }

/* faq */
.faq-grid { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 40px; align-items: start; }
.faq-list { border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-question {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 17px 0;
  font-size: 15px;
  font-weight: 600;
  color: var(--ink);
  cursor: pointer;
}
.faq-q-icon {
  flex: 0 0 auto;
  width: 24px; height: 24px;
  border-radius: 7px;
  background: var(--ink);
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  display: flex; align-items: center; justify-content: center;
}
.faq-toggle { margin-left: auto; font-size: 18px; color: var(--muted); transition: transform .2s; }
.faq-item.open .faq-toggle { transform: rotate(45deg); color: var(--accent); }
.faq-answer { display: none; padding: 0 0 18px 36px; font-size: 13.5px; color: var(--muted); line-height: 1.85; }
.faq-item.open .faq-answer { display: block; }
.faq-answer p + p { margin-top: 8px; }
.faq-answer .faq-highlight { color: var(--accent-dark); }

.faq-aside {
  background: var(--soft);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px 20px;
}
.faq-aside h3 { font-size: 16px; margin-bottom: 8px; }
.faq-aside > p { font-size: 13px; color: var(--muted); line-height: 1.75; margin-bottom: 14px; }
.faq-aside dl { font-size: 13px; }
.faq-aside dt { color: var(--muted); font-size: 12px; margin-top: 10px; }
.faq-aside dd { color: var(--ink); font-weight: 600; }

/* ---------------- footer ---------------- */
.site-footer { background: var(--ink); color: #a9bccd; font-size: 13px; margin-top: 0; }
.footer-top {
  display: grid;
  grid-template-columns: 1.25fr repeat(2, .85fr) 1.15fr;
  gap: 32px;
  padding-top: 48px;
  padding-bottom: 36px;
}
.footer-brand strong { display: block; color: #fff; font-size: 18px; margin-bottom: 10px; letter-spacing: .5px; }
.footer-brand p { font-size: 12.5px; line-height: 1.9; color: #8fa6ba; }
.footer-col h4 { color: #fff; font-size: 13.5px; margin-bottom: 12px; }
.footer-col li { margin-bottom: 8px; }
.footer-col a { color: #a9bccd; font-size: 12.5px; }
.footer-col a:hover { color: #fff; }
.footer-contact p { display: flex; justify-content: space-between; gap: 12px; padding: 6px 0; border-bottom: 1px dashed rgba(255,255,255,.1); font-size: 12.5px; }
.footer-contact p:last-child { border-bottom: 0; }
.footer-contact span:first-child { color: #8fa6ba; }
.contact-value { color: #fff; font-weight: 600; }

.footer-notice {
  border-top: 1px solid rgba(255,255,255,.1);
  padding-top: 22px;
  padding-bottom: 22px;
}
.footer-notice h4 { color: #fff; font-size: 13px; margin-bottom: 6px; }
.footer-notice p { font-size: 12px; color: #8fa6ba; line-height: 1.8; }

.company-block { background: rgba(255,255,255,.04); border-top: 1px solid rgba(255,255,255,.08); padding: 18px 0; }
.company-block dl { display: flex; flex-wrap: wrap; gap: 10px 34px; font-size: 12px; color: #93a9bd; }
.company-block dt { color: #7d93a7; display: inline; }
.company-block dd { display: inline; color: #d3e0ea; margin-right: 30px; }

.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding: 16px 0 22px; }
.footer-copyright { display: flex; flex-wrap: wrap; gap: 6px 24px; font-size: 12px; color: #7d93a7; }

/* float */
.float-bottom {
  position: fixed;
  right: 22px; bottom: 26px;
  z-index: 70;
  opacity: .85;
  transition: opacity .2s;
}
#backToTop {
  width: 44px; height: 44px;
  border-radius: 12px;
  border: 1px solid var(--line);
  background: #fff;
  color: var(--ink);
  font-size: 16px;
  cursor: pointer;
  box-shadow: 0 10px 24px rgba(12,32,54,.14);
}

/* ---------------- responsive ---------------- */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 34px; }
  .quote-card { max-width: 100%; }
  .cat-grid, .prod-grid { grid-template-columns: repeat(3, 1fr); }
  .faq-grid { grid-template-columns: 1fr; gap: 26px; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 26px; }
  .steps { grid-template-columns: repeat(2, 1fr); gap: 26px 16px; }
}
@media (max-width: 720px) {
  .header-top { display: none; }
  .header-inner { height: 60px; gap: 12px; }
  .main-nav {
    display: none;
    position: absolute;
    top: 60px; left: 0; right: 0;
    background: #fff;
    border-bottom: 1px solid var(--line);
    padding: 8px 20px 14px;
    flex-direction: column;
    align-items: flex-start;
    gap: 2px;
    box-shadow: 0 18px 28px rgba(12,32,54,.1);
  }
  .main-nav.open { display: flex; }
  .main-nav a { padding: 10px 0; width: 100%; border-bottom: 1px dashed var(--line); }
  .main-nav a.active::after { display: none; }
  .header-actions .btn-ghost { display: inline-flex; padding: 0 12px; font-size: 13px; height: 36px; }
  .nav-toggle { display: block; }
  .hero { padding: 34px 0 42px; }
  .hero h1 { font-size: 27px; }
  .hero-lead { font-size: 14px; }
  .quote-row { grid-template-columns: 1fr; }
  .banner, .banner-slider { height: 190px; min-height: 190px; }
  .section { padding: 44px 0; }
  .section-title h2 { font-size: 22px; }
  .cat-grid, .prod-grid { grid-template-columns: repeat(2, 1fr); gap: 12px; }
  .steps { grid-template-columns: 1fr; }
  .feature-list { grid-template-columns: 1fr; }
  .feature-item { grid-template-columns: 1fr; gap: 6px; }
  .footer-top { grid-template-columns: 1fr; }
  .fact-list b { font-size: 16px; }
  .fact-list span { font-size: 11px; }
}

/* [HOME-FIX v1] bigger brand thumb + keep login link on mobile */