:root{
  --navy:#1D2D5A; --navy-deep:#0F1A38; --navy-2:#263A72;
  --gold:#F2C46D; --gold-ink:#8A5E0E; --gold-num:#C88A1E;
  --bg:#F3F5F8; --card:#FFFFFF; --ink:#17233F; --ink-2:#33405F; --muted:#4A5570; --line:#E1E6EE;
  --ok:#1E7A4C;
  --serif:'Noto Serif TC','Georgia',serif; --sans:'Noto Sans HK','Helvetica Neue',Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--sans);font-size:18px;line-height:1.65;color:var(--ink);
  background:linear-gradient(rgba(243,245,248,.92),rgba(243,245,248,.92)),url(img/light.jpg) center top/2400px auto repeat-y;background-color:var(--bg)}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy)}a:hover{color:var(--navy-deep)}
h1,h2,h3{font-family:var(--serif);line-height:1.2;margin:0;color:inherit}
h1{font-size:clamp(36px,5.4vw,60px);font-weight:900}
h2{font-size:clamp(30px,3.6vw,44px);font-weight:700}
h3{font-size:22px;font-family:var(--sans);font-weight:700}
p{margin:0}
.wrap{max-width:1200px;margin:0 auto;padding:0 24px}
.eyebrow{font-size:15px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-ink)}
.on-dark .eyebrow,.hero .eyebrow{color:var(--gold)}
.lead{font-size:clamp(18px,1.6vw,21px)}
.muted{color:var(--muted)}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}

/* buttons */
.btn{display:inline-block;text-decoration:none;font-weight:700;padding:15px 26px;border-radius:12px;font-size:18px;line-height:1.3;border:1.5px solid transparent;text-align:center}
.btn-gold{background:var(--gold);color:var(--navy)}.btn-gold:hover{background:#f6d38f;color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-deep);color:#fff}
.btn-ghost{color:#fff;border-color:#A9B5D3;background:rgba(15,26,56,.35)}.btn-ghost:hover{color:#fff;background:rgba(15,26,56,.6)}
.btn-line{color:var(--navy);border-color:var(--navy);background:#fff}
.btns{display:flex;flex-wrap:wrap;gap:14px}

/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-header .wrap{display:flex;align-items:center;gap:20px;min-height:76px}
.brand img{height:58px;width:auto}
.nav{display:flex;gap:28px;flex:1;justify-content:center;font-size:17px;font-weight:500}
.nav a{text-decoration:none;padding:6px 0;border-bottom:2px solid transparent}
.nav a[aria-current=page]{font-weight:700;border-bottom-color:var(--gold)}
.head-actions{display:flex;align-items:center;gap:10px}
.lang{font-size:15px;font-weight:700;text-decoration:none;padding:10px 12px}
.head-actions .btn{padding:11px 18px;font-size:16px}
.menu{display:none}
@media (max-width:900px){
  .nav,.head-actions .lang{display:none}
  .site-header .wrap{justify-content:space-between;min-height:66px}
  .brand img{height:48px}
  .menu{display:block;position:relative}
  .menu summary{list-style:none;cursor:pointer;width:44px;height:44px;border:1px solid var(--line);border-radius:10px;display:grid;place-items:center}
  .menu summary::-webkit-details-marker{display:none}
  .menu[open] .menu-panel{display:flex}
  .menu-panel{display:none;flex-direction:column;position:absolute;right:0;top:52px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 12px 30px rgba(29,45,90,.15);padding:8px;min-width:220px}
  .menu-panel a{padding:12px 14px;text-decoration:none;font-weight:600;border-radius:8px}
  .menu-panel a:hover{background:var(--bg)}
  .head-actions .btn{padding:9px 14px;font-size:15px}
}
@media (max-width:340px){.head-actions .btn{display:none}}

/* hero */
.hero{background:var(--navy) url(img/hero.jpg) center/cover no-repeat;color:#fff}
.hero .wrap{padding-top:88px;padding-bottom:100px;display:flex;flex-wrap:wrap;gap:44px;align-items:center}
.hero-main{flex:999 1 540px;min-width:0;display:flex;flex-direction:column;gap:20px}
.hero-main .lead{color:#E1E7F2;max-width:660px}
.hero-card{flex:1 1 320px;max-width:400px;background:rgba(15,26,56,.72);border:1px solid rgba(242,196,109,.45);border-radius:20px;padding:30px;display:flex;flex-direction:column;gap:14px}
.hero-card .big{font-family:var(--serif);font-size:64px;font-weight:900;color:var(--gold);line-height:1}
.hero-card ul{list-style:none;margin:0;padding:14px 0 0;border-top:1px solid rgba(255,255,255,.18);display:flex;flex-direction:column;gap:10px;color:#E1E7F2;font-size:17px}
.hero-card li{padding-left:26px;position:relative}
.hero-card li::before{content:"";position:absolute;left:4px;top:.6em;width:9px;height:9px;border-radius:50%;background:var(--gold)}
.hero.slim .wrap{padding-top:72px;padding-bottom:84px}

/* credentials strip */
.creds{background:#fff;border-bottom:1px solid var(--line)}
.creds .wrap{display:flex;flex-wrap:wrap;gap:14px 40px;align-items:center;justify-content:center;padding-top:20px;padding-bottom:20px;font-weight:700;color:var(--ink-2);font-size:17px}
.creds img{height:62px;width:auto}

/* stats */
.stats{background:var(--navy);color:#fff}
.stats .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding-top:44px;padding-bottom:44px;text-align:center}
.stats b{display:block;font-family:var(--serif);font-size:clamp(34px,4vw,50px);color:var(--gold);line-height:1.1}
.stats span{color:#E1E7F2;font-size:17px}
@media (max-width:700px){.stats .wrap{grid-template-columns:repeat(2,1fr)}}

/* sections */
.section{padding:80px 0}
.section.tight{padding:56px 0}
.sec-head{display:flex;flex-wrap:wrap;gap:16px 40px;align-items:flex-end;justify-content:space-between;margin-bottom:32px}
.sec-head > div{display:flex;flex-direction:column;gap:10px}
.sec-head p.muted{max-width:420px}
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(auto-fit,minmax(min(100%,420px),1fr))}
.g3{grid-template-columns:repeat(auto-fit,minmax(min(100%,300px),1fr))}
.g4{grid-template-columns:repeat(auto-fit,minmax(min(100%,240px),1fr))}
.card{background:var(--card);border-radius:20px;padding:32px;display:flex;flex-direction:column;gap:12px;box-shadow:0 6px 24px rgba(29,45,90,.06)}
.card.feature{border:2px solid var(--gold)}
.card .tag{font-size:15px;font-weight:700;color:var(--gold-ink)}
.card .badge{align-self:flex-start;background:#FDF1D8;color:var(--gold-ink);font-size:14px;font-weight:700;padding:4px 12px;border-radius:999px}
.card h3.serif{font-family:var(--serif);font-size:30px}
.card ul{margin:0;padding-left:22px;color:var(--ink-2);display:flex;flex-direction:column;gap:6px}
.card .more{margin-top:auto;font-weight:700;text-decoration:none}
.card.row{flex-direction:row;gap:18px;align-items:flex-start}
.icon{flex:0 0 auto;width:44px;height:44px;color:var(--navy)}
.callout{background:#fff;border-left:6px solid var(--gold);border-radius:16px;padding:28px 32px;display:flex;flex-wrap:wrap;gap:18px 32px;align-items:center;justify-content:space-between}
.callout > div{flex:1 1 420px;display:flex;flex-direction:column;gap:6px}

/* steps */
.steps{list-style:none;margin:0;padding:0;display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(min(100%,230px),1fr))}
.steps li{background:#fff;border-radius:18px;padding:26px;border-top:5px solid var(--navy);display:flex;flex-direction:column;gap:8px}
.steps li:last-child{border-top-color:var(--gold)}
.steps .n{font-family:var(--serif);font-size:38px;font-weight:900;color:var(--gold-num);line-height:1}
.steps b{font-size:20px}

/* faded band */
.faded{background:linear-gradient(rgba(243,245,248,.55),rgba(243,245,248,.8)),url(img/light.jpg) center/cover no-repeat}
.chips{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
.chips span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:10px 18px;font-weight:600}

/* about */
.about{display:flex;flex-wrap:wrap;gap:44px;align-items:center}
.about img{flex:0 0 280px;width:280px;height:280px;object-fit:cover;border-radius:50%;border:6px solid #fff;box-shadow:0 10px 30px rgba(29,45,90,.12)}
.about > div{flex:999 1 460px;display:flex;flex-direction:column;gap:14px;color:var(--ink-2)}
.about h2{color:var(--ink)}
@media (max-width:600px){.about img{flex-basis:200px;width:200px;height:200px;margin:0 auto}}

/* faq */
.faq{display:flex;flex-direction:column;gap:12px}
.faq details{background:#fff;border-radius:14px;padding:20px 24px}
.faq summary{font-weight:700;cursor:pointer;font-size:19px}
.faq details p{margin-top:10px;color:var(--ink-2)}

/* dark band */
.band{background:var(--navy) url(img/hero.jpg) center/cover no-repeat;color:#fff;border-radius:22px;padding:44px;display:flex;flex-wrap:wrap;gap:24px;align-items:center;justify-content:space-between}
.band > div{flex:999 1 480px;display:flex;flex-direction:column;gap:8px}
.band p{color:#E1E7F2}

/* table */
.table-wrap{background:#fff;border-radius:22px;overflow-x:auto;box-shadow:0 10px 30px rgba(29,45,90,.08)}
table.compare{width:100%;min-width:720px;border-collapse:collapse}
.compare th,.compare td{text-align:left;padding:18px 26px;vertical-align:top}
.compare thead th{background:var(--navy);color:#fff}
.compare thead th:last-child{background:var(--navy-2)}
.compare thead small{display:block;color:var(--gold);font-size:15px;font-weight:700;font-family:var(--sans)}
.compare thead span{font-family:var(--serif);font-size:24px}
@media (max-width:640px){.compare thead span{font-size:17px;line-height:1.25;display:block}}
.compare tbody tr{border-bottom:1px solid var(--line)}
.compare tbody tr:last-child{border-bottom:0}
.compare tbody td{color:var(--ink-2)}
.compare tbody td:last-child{background:#FBFCFE}
.yes{color:var(--ok)!important;font-weight:700}

/* contact */
.contact{display:flex;flex-wrap:wrap;gap:30px;align-items:flex-start}
.contact-side{flex:1 1 340px;display:flex;flex-direction:column;gap:16px}
.contact-card{background:#fff;border-radius:18px;padding:26px;display:flex;gap:16px;align-items:center;text-decoration:none;color:var(--ink)}
.contact-card.dark{background:var(--navy);color:#fff}
.contact-card.dark strong{color:var(--gold)}
.contact-card span{display:flex;flex-direction:column;min-width:0;overflow-wrap:anywhere}
form.quote{flex:2 1 540px;background:#fff;border-radius:22px;padding:36px;display:flex;flex-direction:column;gap:18px;box-shadow:0 10px 30px rgba(29,45,90,.08)}
form.quote .fields{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,220px),1fr));gap:18px}
form.quote label{display:flex;flex-direction:column;gap:6px;font-weight:700;font-size:16px}
form.quote input,form.quote select,form.quote textarea{font:inherit;font-weight:400;font-size:17px;padding:13px 14px;border:1.5px solid #C9D2E2;border-radius:10px;background:#fff;color:var(--ink);width:100%}
form.quote input:focus,form.quote select:focus,form.quote textarea:focus{outline:3px solid rgba(242,196,109,.6);border-color:var(--navy)}
form.quote .consent{flex-direction:row;align-items:flex-start;gap:10px;font-weight:400;font-size:15px;color:var(--muted)}
form.quote .consent input{width:20px;height:20px;margin-top:3px;flex:0 0 auto}
form.quote button{align-self:flex-start;border:0;cursor:pointer;font-family:inherit}
.hp{position:absolute;left:-9999px}

/* prose pages */
.prose{background:#fff;border-radius:22px;padding:44px;max-width:860px;margin:0 auto;display:flex;flex-direction:column;gap:14px;color:var(--ink-2)}
.prose h2{font-size:28px;color:var(--ink);margin-top:14px}
.prose h3{color:var(--ink);margin-top:8px}
.prose ul,.prose ol{margin:0;padding-left:24px;display:flex;flex-direction:column;gap:8px}
@media (max-width:600px){.prose,form.quote{padding:26px}.band{padding:30px}.card{padding:26px}}

/* footer */
.site-footer{background:var(--navy-deep);color:#C9D2E6;font-size:16px}
.site-footer .wrap{padding-top:52px;padding-bottom:52px;display:flex;flex-wrap:wrap;gap:28px 56px;justify-content:space-between}
.site-footer .col{display:flex;flex-direction:column;gap:6px}
.site-footer strong{color:#fff;font-size:17px}
.site-footer a{color:#C9D2E6}
.site-footer .rics{background:#fff;border-radius:10px;padding:8px 12px;align-self:flex-start;margin-bottom:6px}
.site-footer .rics img{height:44px;width:auto}
.site-footer .links{display:flex;flex-wrap:wrap;gap:6px 18px}
.copy{border-top:1px solid rgba(255,255,255,.12)}
.copy .wrap{padding-top:18px;padding-bottom:18px;font-size:14px;color:#8F9BB8}

/* reviews */
.rv-sum{display:flex;flex-wrap:wrap;align-items:center;gap:14px 22px;margin:22px 0 26px}
.rv-big{font-family:var(--serif);font-size:56px;font-weight:900;line-height:1;color:var(--navy)}
.rv-stars{color:#E0A526;font-size:22px;letter-spacing:2px}
.rv-sum .btn{margin-left:auto}
.rv-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px}
.rv-card{margin:0;background:#fff;border-radius:16px;padding:24px;display:flex;flex-direction:column;gap:10px;box-shadow:0 6px 24px rgba(29,45,90,.06)}
.rv-card .rv-stars{font-size:18px}
.rv-text{margin:0;font-size:17px;color:var(--ink-2);white-space:pre-line}
.rv-text.clamp{display:-webkit-box;-webkit-line-clamp:6;-webkit-box-orient:vertical;overflow:hidden}
.rv-card figcaption{margin-top:auto;font-size:16px}
.rv-more{align-self:flex-start;background:none;border:0;padding:0;color:var(--navy);font:inherit;font-size:15px;font-weight:700;text-decoration:underline;cursor:pointer}
.rv-from{font-size:14px;margin-top:14px}
.rv-tp{margin-top:26px}
@media (max-width:600px){.rv-sum .btn{margin-left:0}.rv-big{font-size:46px}}