:root {
  --ink: #e8e4d8;
  --muted: #a39b86;
  --paper: #0b1220;
  --panel: #121b2d;
  --gold: #c9a227;
  --gold-d: #9a7a16;
  --line: #2a3348;
  --risk: #3a1c1c;
  --risk-t: #f0c4c4;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: "Palatino Linotype", Palatino, "Songti SC", "SimSun", serif;
  background: var(--paper);
  color: var(--ink);
  line-height: 1.85;
  font-size: 17px;
}

a { color: var(--gold); text-decoration: none; }
a:hover { text-decoration: underline; }

.topbar {
  border-bottom: 1px solid var(--line);
  background: #080d18;
}

.topbar-inner {
  max-width: 760px;
  margin: 0 auto;
  padding: 18px 20px 0;
}

.brand {
  display: inline-block;
  font-size: 22px;
  letter-spacing: 0.08em;
  color: var(--gold);
  font-weight: 700;
  margin-bottom: 12px;
}

.nav {
  display: flex;
  gap: 28px;
  list-style: none;
  padding-bottom: 0;
}

.nav a {
  display: inline-block;
  padding: 8px 0 14px;
  color: var(--muted);
  border-bottom: 2px solid transparent;
}

.nav a.is-current {
  color: var(--gold);
  border-bottom-color: var(--gold);
}

main { max-width: 760px; margin: 0 auto; padding: 0 20px 64px; }

.hero {
  padding: 48px 0 28px;
  border-bottom: 1px solid var(--line);
}

.hero p.kicker {
  font-size: 13px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

h1 {
  font-size: 34px;
  line-height: 1.35;
  font-weight: 700;
  margin-bottom: 18px;
}

.hero .lead { color: var(--muted); margin-bottom: 22px; }

.cta-row { display: flex; flex-wrap: wrap; gap: 12px; margin: 18px 0 10px; }

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 20px;
  border: 1px solid var(--gold);
  background: var(--gold);
  color: #1a1404;
  font-family: inherit;
  font-size: 16px;
  font-weight: 700;
}

.btn:hover { background: var(--gold-d); border-color: var(--gold-d); text-decoration: none; color: #fff; }

.btn-ghost {
  background: transparent;
  color: var(--gold);
}

.btn svg { display: block; }

.note {
  font-size: 14px;
  color: var(--muted);
  border-left: 3px solid var(--gold);
  padding-left: 12px;
  margin-top: 16px;
}

section {
  padding: 36px 0;
  border-bottom: 1px solid var(--line);
}

h2 {
  font-size: 24px;
  line-height: 1.4;
  margin-bottom: 16px;
  padding-left: 14px;
  border-left: 4px solid var(--gold);
}

p { margin-bottom: 14px; }

ul, ol { margin: 0 0 16px 1.3em; }
li { margin-bottom: 8px; }

table {
  width: 100%;
  border-collapse: collapse;
  margin: 16px 0 20px;
  font-size: 15px;
}

th, td {
  border: 1px solid var(--line);
  padding: 10px 12px;
  text-align: left;
  vertical-align: top;
}

th { background: var(--panel); color: var(--gold); }

.risk {
  background: var(--risk);
  color: var(--risk-t);
  padding: 22px 20px;
  border: 1px solid #6a3030;
}

.risk h2 { border-left-color: #e07a7a; color: #f3d0d0; }

.faq dt {
  font-weight: 700;
  margin-top: 18px;
  color: var(--gold);
}

.faq dd { margin: 8px 0 0; color: var(--ink); }

.dl-grid { display: block; }

footer {
  background: #080d18;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.75;
  padding: 36px 20px 48px;
}

.footer-inner { max-width: 760px; margin: 0 auto; }

footer p { margin-bottom: 10px; }

@media (max-width: 640px) {
  h1 { font-size: 26px; }
  h2 { font-size: 20px; }
  .nav { gap: 16px; }
}