:root {
  --navy: #0d2a3f;
  --navy-2: #173b55;
  --gold: #c8762d;
  --gold-soft: #f5e7d9;
  --ink: #162334;
  --muted: #627081;
  --line: #d9e1e9;
  --bg: #ffffff;
  --soft: #f6f8fb;
  --card: #ffffff;
  --shadow: 0 18px 55px rgba(13, 42, 63, 0.10);
  --radius: 24px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--bg);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, "PingFang SC", "Microsoft YaHei", sans-serif;
  line-height: 1.6;
}

body.lang-en .zh { display: none !important; }
body.lang-zh .en { display: none !important; }
body.lang-zh { letter-spacing: 0.01em; }
body.lang-zh h1,
body.lang-zh h2,
body.lang-zh h3 {
  font-family: Georgia, "Times New Roman", "Songti SC", "SimSun", serif;
  letter-spacing: -0.02em;
}
body.lang-zh .eyebrow { letter-spacing: .08em; }

a { color: var(--navy); text-decoration-color: rgba(200, 118, 45, 0.55); text-underline-offset: 3px; }
a:hover { color: var(--gold); }

.container {
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
}

.skip-link {
  position: absolute;
  left: -999px;
  top: 8px;
  background: var(--navy);
  color: white;
  padding: 10px 14px;
  z-index: 999;
}
.skip-link:focus { left: 8px; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(217, 225, 233, 0.85);
}
.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 18px 0;
}
.brand img {
  display: block;
  width: 320px;
  max-width: 42vw;
  height: auto;
}
.nav-right {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 18px;
  flex-wrap: wrap;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 18px;
  font-size: 0.95rem;
  font-weight: 600;
}
.nav-links a { text-decoration: none; color: var(--navy); white-space: nowrap; }
.nav-links a:hover { color: var(--gold); }
.nav-cta {
  border: 1px solid var(--gold);
  border-radius: 999px;
  padding: 10px 15px;
}
.language-toggle {
  display: inline-flex;
  align-items: center;
  padding: 4px;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: white;
  box-shadow: 0 8px 20px rgba(13,42,63,.06);
}
.lang-button {
  border: 0;
  background: transparent;
  color: var(--navy);
  cursor: pointer;
  border-radius: 999px;
  padding: 8px 12px;
  font-weight: 800;
  font-size: .9rem;
}
.lang-button.active {
  background: var(--navy);
  color: white;
}

.section { padding: 92px 0; }
.soft-bg { background: var(--soft); }
.hero {
  padding: 94px 0 88px;
  background:
    radial-gradient(circle at 84% 10%, rgba(200,118,45,.16), transparent 32%),
    radial-gradient(circle at 12% 18%, rgba(13,42,63,.10), transparent 30%),
    linear-gradient(180deg, #ffffff 0%, #f7f9fb 100%);
}
.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(320px, .65fr);
  gap: 52px;
  align-items: center;
}
.eyebrow {
  margin: 0 0 14px;
  color: var(--gold);
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
  font-size: .78rem;
}
h1, h2, h3, p { margin-top: 0; }
h1 {
  color: var(--navy);
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(3rem, 6vw, 5.6rem);
  line-height: .96;
  letter-spacing: -0.055em;
  margin-bottom: 24px;
}
h2 {
  color: var(--navy);
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(2rem, 3.2vw, 3.4rem);
  line-height: 1.05;
  letter-spacing: -0.035em;
  margin-bottom: 22px;
}
h3 {
  color: var(--navy);
  font-size: 1.12rem;
  line-height: 1.25;
  margin-bottom: 12px;
}
.hero-text {
  max-width: 690px;
  color: #415064;
  font-size: 1.18rem;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin: 34px 0 18px;
}
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 20px;
  border-radius: 999px;
  font-weight: 800;
  text-decoration: none;
}
.button.primary {
  color: white;
  background: var(--navy);
  box-shadow: 0 15px 25px rgba(13,42,63,.18);
}
.button.primary:hover { background: var(--gold); color: white; }
.button.secondary {
  color: var(--navy);
  background: white;
  border: 1px solid var(--line);
}
.contact-details {
  display: grid;
  gap: 4px;
  margin-top: 18px;
}
.contact-line { color: var(--muted); font-size: .96rem; margin-bottom: 0; }
.contact-line span:last-child { color: var(--ink); }

.hero-card {
  background: var(--navy);
  color: white;
  border-radius: var(--radius);
  padding: 34px;
  box-shadow: var(--shadow);
  position: relative;
  overflow: hidden;
}
.hero-card::after {
  content: "";
  position: absolute;
  width: 180px;
  height: 180px;
  right: -80px;
  bottom: -80px;
  border-radius: 50%;
  background: rgba(200,118,45,.28);
}
.hero-card h2 {
  color: white;
  font-size: 2rem;
  margin-bottom: 20px;
}
.hero-card ul {
  margin: 0;
  padding-left: 0;
  list-style: none;
  position: relative;
  z-index: 1;
}
.hero-card li {
  padding: 14px 0 14px 28px;
  border-top: 1px solid rgba(255,255,255,.14);
  position: relative;
}
.hero-card li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 22px;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--gold);
}

.two-col {
  display: grid;
  grid-template-columns: 0.78fr 1.22fr;
  gap: 70px;
  align-items: start;
}
.two-col p, .section-heading p, .note { color: var(--muted); }
.section-heading {
  max-width: 760px;
  margin-bottom: 34px;
}
.section-heading.compact { max-width: 720px; }
.cards {
  display: grid;
  gap: 22px;
}
.cards.three { grid-template-columns: repeat(3, 1fr); }
.card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px;
  box-shadow: 0 12px 35px rgba(13,42,63,.06);
}
.card-number {
  display: inline-flex;
  width: 42px;
  height: 42px;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: var(--gold-soft);
  color: var(--gold);
  font-weight: 900;
  margin-bottom: 18px;
}
.card p { color: var(--muted); margin-bottom: 0; }

.approach-layout { align-items: center; }
.principles-panel {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
}
.principle-row {
  display: grid;
  grid-template-columns: 145px 1fr;
  gap: 18px;
  padding: 18px 0;
  border-top: 1px solid var(--line);
}
.principle-row:first-of-type { border-top: 0; }
.principle-row strong { color: var(--navy); }
.principle-row span { color: var(--muted); }

.fee-table-wrap {
  overflow-x: auto;
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.fee-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 720px;
}
.fee-table th, .fee-table td {
  padding: 20px 22px;
  text-align: left;
  border-bottom: 1px solid var(--line);
}
.fee-table th {
  background: #edf3f8;
  color: var(--navy);
  font-size: .84rem;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.fee-table tr:last-child td { border-bottom: 0; }
.fee-table td:nth-child(2) {
  color: var(--gold);
  font-weight: 900;
  font-size: 1.15rem;
}
.note {
  max-width: 900px;
  margin: 18px 0 0;
  font-size: .95rem;
}

.promise-section { padding-top: 40px; }
.promise-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.promise-card {
  border-radius: var(--radius);
  padding: 34px;
  min-height: 260px;
}
.promise-card.dark {
  background: var(--navy);
  color: white;
}
.promise-card.dark h2, .promise-card.dark p { color: white; }
.promise-card.light {
  background: var(--gold-soft);
  border: 1px solid #efd7bd;
}
.promise-card p { margin-bottom: 0; color: #4b5a69; }

.disclosures-section {
  border-top: 1px solid var(--line);
}
.disclosure-copy {
  background: var(--soft);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px;
}
.disclosure-copy p:last-child { margin-bottom: 0; }

.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,.78);
  padding: 42px 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr .6fr .8fr;
  gap: 36px;
  align-items: center;
}
.footer-logo {
  display: block;
  width: 280px;
  max-width: 100%;
  background: white;
  border-radius: 14px;
  padding: 10px;
  margin-bottom: 16px;
}
.site-footer a { color: white; }
.site-footer strong { color: white; }
.site-footer p { margin-bottom: 8px; }

@media (max-width: 1100px) {
  .nav-wrap { align-items: flex-start; }
  .nav-right { justify-content: flex-end; }
  .nav-links { justify-content: flex-end; flex-wrap: wrap; gap: 10px 14px; }
}

@media (max-width: 980px) {
  .hero-grid, .two-col, .promise-grid, .footer-grid { grid-template-columns: 1fr; }
  .cards.three { grid-template-columns: 1fr; }
  .section { padding: 70px 0; }
  .hero { padding-top: 72px; }
}

@media (max-width: 720px) {
  .container { width: min(100% - 28px, 1120px); }
  .nav-wrap { flex-direction: column; }
  .brand img { width: 280px; max-width: 100%; }
  .nav-right { width: 100%; justify-content: flex-start; }
  .nav-links { width: 100%; justify-content: flex-start; font-size: .9rem; }
  .language-toggle { order: -1; }
  h1 { font-size: 3rem; }
  body.lang-zh h1 { font-size: 2.55rem; line-height: 1.08; }
  .hero-card, .card, .principles-panel, .promise-card, .disclosure-copy { padding: 24px; }
  .principle-row { grid-template-columns: 1fr; gap: 4px; }
}