/* Slate Navy & Gold: 06141B 11212D 253745 4A5C6A 9BA8AB CCD0CF + gold D4AF37 (was Royal Navy & Gold: 0D1B2A 1B263B 415A77 D4AF37 F7F3E9, with steel greys 9BA8AB CCD0CF) */
:root{
  --night:#06141B;--navy:#11212D;--steel:#4A5C6A;--gold:#D4AF37;--gold-ink:#7A5F10;--ivory:#F1F3F2;
  --mist:#CCD0CF;--grey:#9BA8AB;--ink:#06141B;--muted:#4A5C6A;--line:#D5DBDA;
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,"Songti SC","STSong",serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"PingFang SC","Microsoft YaHei",sans-serif;color:var(--ink);background:var(--ivory);font-size:16px;line-height:1.65}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
a{color:var(--steel)}
h1,h2,h3{font-family:var(--serif);font-weight:600}
h1{font-size:50px;line-height:1.12;margin:14px 0 18px;max-width:780px;letter-spacing:-.005em}
h2{font-size:32px;margin:0 0 30px;line-height:1.25}
h2 span{display:block;font-family:inherit;font-size:15px;color:var(--gold-ink);letter-spacing:.3em;font-weight:600;margin-top:8px}
h3{font-size:19px;margin:0 0 6px}
p{margin:0 0 12px}
section{padding:80px 0}
.band{background:#E3E7E6}

/* nav */
.nav{position:sticky;top:0;z-index:10;background:rgba(6,20,27,.96);backdrop-filter:blur(8px);border-bottom:1px solid rgba(212,175,55,.25)}
.navbar{display:flex;justify-content:space-between;align-items:center;height:66px}
.logo{font-family:var(--serif);font-weight:700;font-size:21px;letter-spacing:.08em;color:var(--ivory);text-decoration:none}
.logo span{color:var(--gold)}
.links{display:flex;gap:24px;align-items:center}
.links a{text-decoration:none;color:var(--mist);font-size:15px}
.links a:hover{color:var(--gold)}

/* buttons, with a soft gold glow */
.btn{display:inline-block;font-weight:600;text-decoration:none;padding:14px 24px;border-radius:12px;border:1px solid var(--gold);background:var(--gold);color:var(--night);
  box-shadow:0 0 0 1px rgba(212,175,55,.35),0 8px 28px rgba(212,175,55,.28);transition:box-shadow .2s,transform .2s}
.btn:hover{transform:translateY(-1px);box-shadow:0 0 0 1px rgba(212,175,55,.6),0 10px 38px rgba(212,175,55,.45)}
.btn.ghost{background:transparent;color:var(--ivory);border-color:rgba(241,243,242,.45);box-shadow:none}
.btn.ghost:hover{border-color:var(--gold);color:var(--gold)}
.btn.sm{padding:7px 15px;font-size:14px;border-radius:9px}
.links a.btn.ghost{color:var(--gold);border-color:rgba(212,175,55,.6)}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin:30px 0 24px}
.cta.center{justify-content:center}
.light .btn.ghost,.contact .btn.ghost{color:var(--navy);border-color:var(--navy)}
.contact .btn.ghost:hover{color:var(--gold-ink);border-color:var(--gold)}

/* hero: dark navy with a soft light spill behind the text */
.hero{position:relative;overflow:hidden;padding:100px 0 92px;background:radial-gradient(ellipse 80% 60% at 50% 100%,#253745 0%,rgba(37,55,69,0) 70%),linear-gradient(180deg,var(--night) 0%,var(--navy) 100%);color:var(--ivory)}
.hero::before{content:"";position:absolute;width:760px;height:520px;left:50%;top:-180px;transform:translateX(-50%);background:radial-gradient(ellipse at center,rgba(212,175,55,.22) 0%,rgba(212,175,55,0) 65%);pointer-events:none}
.hero .wrap{position:relative;text-align:center}
.hero h1,.hero .lead{margin-left:auto;margin-right:auto}
.crest{width:84px;height:84px;margin:0 auto 22px;border:1.5px solid var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:32px;color:var(--gold);letter-spacing:-.02em;box-shadow:0 0 30px rgba(212,175,55,.25)}
.kicker{font-weight:700;letter-spacing:.2em;color:var(--gold);font-size:13px;margin:0}
.kicker span{display:block;letter-spacing:.45em;margin-top:6px;color:#E6CB72}
.rule{width:140px;height:1px;margin:24px auto 6px;background:linear-gradient(90deg,transparent,var(--gold),transparent)}
.lead{font-size:19px;color:var(--mist);max-width:680px}
.who{font-size:14px;color:var(--grey)}
.who b{color:var(--ivory)}
.hero .cta{justify-content:center}

/* grids */
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.tile,.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;transition:box-shadow .2s,transform .2s}
.tile:hover,.card:hover{transform:translateY(-2px);box-shadow:0 12px 34px rgba(6,20,27,.10)}
.tile{border-top:3px solid var(--gold)}
.tile .zh{font-family:var(--serif);font-size:28px;font-weight:700;color:var(--gold-ink);line-height:1.2;margin-bottom:4px}
.tile p,.card p{color:var(--muted);font-size:15px;margin:0}
.card{border-left:3px solid var(--steel)}

/* steps */
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:16px;counter-reset:s}
.steps li{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;counter-increment:s}
.steps li::before{content:counter(s);display:inline-flex;width:34px;height:34px;border-radius:50%;background:var(--night);color:var(--gold);font-family:var(--serif);font-weight:700;align-items:center;justify-content:center;margin-bottom:12px;box-shadow:0 0 0 1px var(--gold)}
.steps b{display:block;margin-bottom:4px;font-family:var(--serif);font-size:17px}
.steps span{color:var(--muted);font-size:15px}

/* myplan */
.myplan{background:linear-gradient(160deg,#11212D,#253745);color:var(--ivory);position:relative;overflow:hidden}
.myplan::after{content:"";position:absolute;right:-160px;bottom:-200px;width:520px;height:520px;background:radial-gradient(circle,rgba(212,175,55,.16),rgba(212,175,55,0) 65%);pointer-events:none}
.myplan h2 span{color:var(--gold)}
.myplan p{color:var(--mist)}
.split{display:grid;grid-template-columns:1.1fr 1fr;gap:44px;align-items:center;position:relative}
.ticks{list-style:none;padding:22px 24px;margin:0;border:1px solid rgba(212,175,55,.35);border-radius:16px;background:rgba(6,20,27,.45);box-shadow:inset 0 0 0 1px rgba(255,255,255,.03),0 0 40px rgba(212,175,55,.08)}
.ticks li{padding:10px 0 10px 30px;border-bottom:1px solid rgba(241,243,242,.1);position:relative;color:var(--ivory)}
.ticks li:last-child{border-bottom:0}
.ticks li::before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:800}

/* contact */
.contact{text-align:center}
.contact .lead{margin:0 auto;color:var(--muted)}
.contact .btn:not(.ghost){color:var(--night)}

/* footer */
footer{background:var(--night);color:var(--mist);padding:52px 0 40px;text-align:center;border-top:1px solid rgba(212,175,55,.3)}
.tag{font-weight:700;letter-spacing:.2em;color:var(--gold);font-size:13px;margin-bottom:22px}
.tag span{display:block;letter-spacing:.45em;margin-top:4px;color:#E6CB72}
.sig{font-size:14px;line-height:1.6}
.sig .by{font-size:12px;color:var(--grey)}
.sig b{color:var(--ivory);font-family:var(--serif);font-size:17px;font-weight:600}
.fine{font-size:12px;color:var(--grey);max-width:560px;margin:18px auto 0}

@media (max-width:860px){
  .grid4,.steps,.grid3{grid-template-columns:1fr 1fr}
  .split{grid-template-columns:1fr;gap:26px}
}
@media (max-width:560px){
  h1{font-size:34px}h2{font-size:26px}
  .lead{font-size:17px}
  section{padding:56px 0}.hero{padding:60px 0 56px}
  .grid4,.grid3,.steps{grid-template-columns:1fr}
  .links a:not(.btn){display:none}
  .cta .btn{width:100%;text-align:center}
}

/* glowing gold light bar: a bright core, stacked blurred glows, and a soft light spill below */
.tube{position:relative;width:min(320px,70%);height:5px;margin:30px auto 56px;border-radius:999px;
  background:linear-gradient(90deg,#E9C766,#FFF4CF 50%,#E9C766);
  box-shadow:0 0 3px #FFF8E1,0 0 10px rgba(255,228,150,1),0 0 24px rgba(212,175,55,.9),0 0 60px rgba(212,175,55,.6),0 0 130px rgba(212,175,55,.35)}
.tube::after{content:"";position:absolute;left:-30%;right:-30%;top:4px;height:170px;border-radius:50%;
  background:radial-gradient(ellipse at top,rgba(212,175,55,.42),rgba(212,175,55,0) 70%);filter:blur(18px);pointer-events:none}
.tube.wide{width:min(560px,86%)}
footer .tube{margin:0 auto 40px}
@media (prefers-reduced-motion:no-preference){.tube{animation:hum 6s ease-in-out infinite}}
@keyframes hum{50%{box-shadow:0 0 3px #FFF8E1,0 0 12px rgba(255,228,150,1),0 0 30px rgba(212,175,55,1),0 0 76px rgba(212,175,55,.7),0 0 160px rgba(212,175,55,.42)}}

/* small DS crest in the top-left corner */
.logo{display:flex;align-items:center}
.mini-crest{width:44px;height:44px;border:1.5px solid var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:17px;font-weight:600;color:var(--gold);letter-spacing:-.02em;box-shadow:0 0 14px rgba(212,175,55,.3)}
.logo:hover .mini-crest{box-shadow:0 0 20px rgba(212,175,55,.5)}

/* glowing pill button: dark glass, bright gold stroke, stacked gold glows, arrow with divider */
.btn.pill{border-radius:999px;background:rgba(6,20,27,.55);color:#F1F3F2;border:1.5px solid #E9C766;padding:13px 26px 13px 18px;display:inline-flex;align-items:center;gap:14px;
  box-shadow:inset 0 0 10px rgba(212,175,55,.22),0 0 3px rgba(255,228,150,.55)}
.btn.pill:hover{color:#fff;box-shadow:inset 0 0 14px rgba(212,175,55,.32),0 0 4px rgba(255,228,150,.75)}
.btn.pill .arr{color:var(--gold);font-size:18px;padding-right:14px;border-right:1px solid rgba(212,175,55,.45);line-height:1}

/* glowing glass card */
.glow-card{position:relative;border-radius:20px;padding:22px 24px;background:linear-gradient(160deg,rgba(17,33,45,.85),rgba(6,20,27,.85));border:1.5px solid rgba(233,199,102,.75);
  box-shadow:inset 0 0 18px rgba(212,175,55,.12),0 0 3px rgba(255,228,150,.4)}
.glow-card .ticks{border:0;background:none;box-shadow:none;padding:0}
.gc-head{display:flex;align-items:center;gap:14px;margin-bottom:10px}
.gc-head b{display:block;font-family:var(--serif);font-size:20px;color:#F1F3F2}
.gc-icon{width:46px;height:46px;border-radius:13px;display:flex;align-items:center;justify-content:center;font-size:20px;color:#FFF4CF;
  background:linear-gradient(145deg,#E9C766,#9C7C1C);box-shadow:0 0 0 1px rgba(255,244,207,.5),0 0 18px rgba(212,175,55,.55)}
.live{display:inline-flex;align-items:center;gap:7px;margin-top:4px;font-size:12px;color:#CCD0CF;border:1px solid rgba(204,208,207,.3);border-radius:8px;padding:3px 10px;background:rgba(255,255,255,.04)}
.live i{width:8px;height:8px;border-radius:50%;background:#5BE38A;box-shadow:0 0 8px #5BE38A}

/* numbered steps as small glowing tiles */
.steps li::before{border-radius:10px;background:var(--night);color:#FFF4CF;box-shadow:0 0 0 1.5px #E9C766,0 0 12px rgba(212,175,55,.45)}

@media (max-width:560px){.btn.pill{justify-content:center}}

/* DannySYS.com wordmark (cut from Danny's banner) in the top-left; edges fade into the nav */
.logo img{display:block;height:40px;width:auto}
@media (max-width:560px){.logo img{height:30px}}

/* ===== UX pass: accessibility, rhythm, trust, FAQ, mobile CTA ===== */
.skip{position:absolute;left:12px;top:-60px;z-index:50;background:var(--gold);color:var(--night);padding:10px 16px;border-radius:10px;font-weight:700;text-decoration:none}
.skip:focus{top:12px}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:6px}
html{scroll-padding-top:80px}
.narrow{max-width:760px}

/* centred section intros, consistent with the hero */
.sec-head{text-align:center;max-width:640px;margin:0 auto 36px}
.sec-head h2{margin-bottom:12px}
.sec-head p{color:var(--muted);font-size:17px;margin:0}
.myplan .sec-head p{color:var(--mist)}

/* trust strip under the hero buttons */
.trust{list-style:none;padding:0;margin:34px auto 0;display:grid;grid-template-columns:repeat(3,1fr);gap:14px;max-width:900px;text-align:left}
.trust li{display:flex;gap:12px;align-items:flex-start;padding:14px 16px;border:1px solid rgba(212,175,55,.22);border-radius:14px;background:rgba(6,20,27,.35)}
.trust svg{flex:0 0 22px;width:22px;height:22px;fill:none;stroke:var(--gold);stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round;margin-top:2px}
.trust span{font-size:13px;color:var(--mist);line-height:1.45}
.trust b{display:block;color:var(--ivory);font-size:14px;margin-bottom:2px}

/* service icons */
.ico{width:34px;height:34px;padding:7px;border-radius:10px;background:var(--night);fill:none;stroke:var(--gold);stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round;margin-bottom:14px;box-shadow:0 0 0 1px rgba(212,175,55,.5),0 0 12px rgba(212,175,55,.25)}

/* FAQ */
#faq details{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:12px;transition:box-shadow .2s}
#faq details[open]{box-shadow:0 10px 30px rgba(6,20,27,.08);border-color:rgba(212,175,55,.6)}
#faq summary{cursor:pointer;list-style:none;padding:18px 52px 18px 20px;font-weight:600;font-size:16px;position:relative}
#faq summary::-webkit-details-marker{display:none}
#faq summary::after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);width:26px;height:26px;border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--gold-ink);border:1px solid var(--line);font-size:18px;line-height:1}
#faq details[open] summary::after{content:"−";background:var(--night);color:var(--gold);border-color:var(--gold)}
#faq details p{padding:0 20px 18px;margin:0;color:var(--muted)}

/* footer links */
.flinks{display:flex;justify-content:center;flex-wrap:wrap;gap:6px 22px;margin:0 0 24px}
.flinks a{color:var(--mist);text-decoration:none;font-size:14px}
.flinks a:hover{color:var(--gold)}

/* sticky WhatsApp button on phones */
.mbar{display:none}
@media (max-width:560px){
  .mbar{display:flex;position:fixed;left:16px;right:16px;bottom:calc(14px + env(safe-area-inset-bottom));z-index:20;justify-content:center;align-items:center;gap:12px;padding:14px 20px;border-radius:999px;
    background:rgba(6,20,27,.92);backdrop-filter:blur(8px);color:#F1F3F2;font-weight:600;text-decoration:none;border:1.5px solid #E9C766;
    box-shadow:inset 0 0 10px rgba(212,175,55,.22),0 0 3px rgba(255,228,150,.55),0 8px 30px rgba(0,0,0,.35)}
  .mbar .arr{color:var(--gold);padding-right:12px;border-right:1px solid rgba(212,175,55,.45)}
  body{padding-bottom:84px}
  .trust{grid-template-columns:1fr}
  .sec-head p{font-size:16px}
}
@media (min-width:561px) and (max-width:860px){.trust{grid-template-columns:1fr}}

/* ===== interactions ===== */
.progress{position:fixed;top:0;left:0;right:0;height:2px;z-index:40;transform-origin:0 50%;transform:scaleX(0);background:linear-gradient(90deg,#9C7C1C,#E9C766,#FFF4CF);box-shadow:0 0 8px rgba(212,175,55,.8);pointer-events:none}
.nav{transition:box-shadow .3s,background .3s}
.nav.scrolled{background:rgba(6,20,27,.985);box-shadow:0 8px 30px rgba(0,0,0,.35)}
.links a:not(.btn){position:relative;transition:color .2s}
.links a:not(.btn)::after{content:"";position:absolute;left:0;right:0;bottom:-6px;height:2px;border-radius:2px;background:var(--gold);transform:scaleX(0);transition:transform .25s;box-shadow:0 0 8px rgba(212,175,55,.7)}
.links a.active,.links a:not(.btn):hover{color:var(--gold)}
.links a.active::after,.links a:not(.btn):hover::after{transform:scaleX(1)}
.btn{transition:box-shadow .2s,transform .15s,background .2s,color .2s,border-color .2s}
.btn:active{transform:translateY(0) scale(.97)}
.btn.pill .arr{transition:transform .2s}
.btn.pill:hover .arr{transform:translateX(3px)}

/* reveal on scroll (only when JS is on and motion is allowed) */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s ease var(--d,0ms),transform .7s cubic-bezier(.2,.7,.2,1) var(--d,0ms),box-shadow .25s,border-color .25s}
.reveal.in{opacity:1;transform:none}
.reveal.in:hover{transition:opacity .7s,transform .25s,box-shadow .25s,border-color .25s}

/* pointer spotlight on cards */
.card,.tile,.glow-card{position:relative;overflow:hidden}
.card::before,.tile::before{content:"";position:absolute;inset:0;pointer-events:none;opacity:0;transition:opacity .3s;background:radial-gradient(260px circle at var(--mx,50%) var(--my,50%),rgba(212,175,55,.14),transparent 60%)}
.glow-card::before{content:"";position:absolute;inset:0;pointer-events:none;opacity:0;transition:opacity .3s;background:radial-gradient(300px circle at var(--mx,50%) var(--my,50%),rgba(255,228,150,.12),transparent 60%)}
.card:hover::before,.tile:hover::before,.glow-card:hover::before{opacity:1}
.card:hover{border-left-color:var(--gold)}
.card:hover .ico{box-shadow:0 0 0 1px var(--gold),0 0 18px rgba(212,175,55,.5)}
.ico{transition:box-shadow .25s}

/* FAQ answer fades in */
#faq summary{transition:color .2s}
#faq summary:hover{color:var(--gold-ink)}
#faq details[open] p{animation:faqIn .35s ease}
@keyframes faqIn{from{opacity:0;transform:translateY(-4px)}to{opacity:1;transform:none}}

/* phone WhatsApp bar slides in after the hero */
html.js .mbar{transition:transform .35s cubic-bezier(.2,.7,.2,1),opacity .35s}
html.js .mbar:not(.show){transform:translateY(160%);opacity:0;pointer-events:none}

@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation:none!important;transition:none!important}html{scroll-behavior:auto}}

/* ===== quote form ===== */
.exist{margin:-8px 0 0;font-size:14px;color:var(--mist)}
.exist a{color:var(--gold)}
.qform{background:#fff;border:1px solid var(--line);border-radius:20px;padding:26px;box-shadow:0 18px 50px rgba(6,20,27,.07)}
.qform fieldset{border:0;padding:0;margin:0 0 18px}
.qform legend,.qform .f>span{display:block;font-size:13px;font-weight:600;color:var(--ink);margin-bottom:8px}
.qform em{font-weight:400;color:var(--muted);font-style:normal}
.qgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px 16px;margin-bottom:18px}
.qgrid .full,.qform>.f.full{grid-column:1/-1}
.qform>.f.full{display:block;margin-bottom:16px}
.qform input[type=text],.qform input:not([type]),.qform input[type=date],.qform textarea{width:100%;font:inherit;padding:12px 14px;border:1px solid #C4CCCB;border-radius:12px;background:#F8FAF9;color:var(--ink);transition:border-color .2s,box-shadow .2s}
.qform input:focus,.qform textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 4px rgba(212,175,55,.18);background:#fff}
.qform .f.bad input{border-color:#b3261e;box-shadow:0 0 0 4px rgba(179,38,30,.12)}
.qgrid fieldset{margin:0}
/* segmented choices and chips built from real radios/checkboxes, so they work with keyboard and screen readers */
.seg,.chips{display:flex;flex-wrap:wrap;gap:8px}
.seg legend,.chips legend{width:100%}
.seg label,.chips label{position:relative;cursor:pointer}
.seg input,.chips input{position:absolute;opacity:0;width:1px;height:1px}
.seg span,.chips span{display:inline-block;padding:10px 16px;border-radius:999px;border:1px solid #C4CCCB;background:#F8FAF9;font-size:14px;transition:all .2s;user-select:none}
.seg label:hover span,.chips label:hover span{border-color:var(--gold)}
.seg input:checked+span,.chips input:checked+span{background:var(--night);color:#FFF4CF;border-color:#E9C766;box-shadow:0 0 0 1px rgba(233,199,102,.4),0 0 14px rgba(212,175,55,.35)}
.seg input:focus-visible+span,.chips input:focus-visible+span{outline:2px solid var(--gold);outline-offset:2px}
.chips input:checked+span::before{content:"✓ ";color:var(--gold)}
.consent{display:flex;gap:12px;align-items:flex-start;font-size:13px;color:var(--muted);margin:6px 0 16px;cursor:pointer}
.consent input{margin-top:3px;width:18px;height:18px;accent-color:var(--gold-ink);flex:0 0 auto}
.qerr{color:#b3261e;font-size:14px;min-height:20px;margin:0 0 12px}
.qform .btn.pill{background:var(--night);border:1.5px solid #E9C766;color:#F1F3F2;cursor:pointer;font:inherit;font-weight:600}
.qform .btn.pill.sent{opacity:.8}
@media (max-width:560px){.qgrid{grid-template-columns:1fr}.qform{padding:20px}.qform .btn.pill{width:100%;justify-content:center}}

/* steps: dark status chips in the style of the "Private & secure" badge, with a small gold light
   drawn into the chip's own background so it is always centred */
.steps li::before{content:"Step " counter(s);width:auto;height:auto;padding:4px 11px 4px 25px;border-radius:8px;font-family:inherit;font-size:12px;font-weight:600;letter-spacing:.04em;color:#CCD0CF;
  background:radial-gradient(circle at 13px 50%,#FFF4CF 0 1.5px,#E9C766 2.5px 3.5px,rgba(212,175,55,.35) 4.5px,transparent 7px),var(--night);box-shadow:0 0 0 1px rgba(212,175,55,.35)}

/* 交钱 赔钱 领钱 留钱 tiles: a small animated icon each, taking turns so the row feels alive
   (coin drops in, check is ticked, savings grow, heart beats). Static when motion is reduced. */
.tile .ico{position:absolute;top:22px;right:22px;width:46px;height:46px;padding:10px;margin:0}
.tile:nth-child(2) .ico *{--i:1}.tile:nth-child(3) .ico *{--i:2}.tile:nth-child(4) .ico *{--i:3}
.tile .ico *{transform-box:fill-box}
@media (prefers-reduced-motion:no-preference){
  .a-coin{animation:coin 6s calc(var(--i,0) * 1.2s) infinite}
  .a-check{stroke-dasharray:1;animation:tick 6s calc(var(--i,0) * 1.2s) infinite}
  .a-bar{transform-origin:50% 100%;animation:grow 6s calc(var(--i,0) * 1.2s) infinite}
  .a-bar:nth-of-type(3){animation-delay:calc(var(--i,0) * 1.2s + .12s)}
  .a-bar:nth-of-type(4){animation-delay:calc(var(--i,0) * 1.2s + .24s)}
  .a-heart{transform-origin:50% 55%;animation:beat 6s calc(var(--i,0) * 1.2s) infinite}
}
@keyframes coin{0%,8%{transform:translateY(0);opacity:1}20%{transform:translateY(7px);opacity:1}24%{transform:translateY(7px);opacity:0}25%{transform:translateY(-3px);opacity:0}36%,100%{transform:translateY(0);opacity:1}}
@keyframes tick{0%{stroke-dashoffset:1}14%,85%{stroke-dashoffset:0}100%{stroke-dashoffset:1}}
@keyframes grow{0%{transform:scaleY(.2)}16%,85%{transform:scaleY(1)}100%{transform:scaleY(.2)}}
@keyframes beat{0%,24%,100%{transform:scale(1)}6%{transform:scale(1.18)}12%{transform:scale(.96)}18%{transform:scale(1.1)}}

/* service cards: title sits beside its icon to keep the cards short on phones */
.card:has(> .ico){display:grid;grid-template-columns:auto 1fr;column-gap:14px;align-items:center}
.card > .ico{margin:0}
.card:has(> .ico) h3{margin:0}
.card:has(> .ico) p{grid-column:1 / -1;margin-top:10px}

/* one icon layout across the site: a 40px gold-on-navy icon on the left, the heading beside it,
   the description full width underneath. Used by the 交钱/赔钱/领钱/留钱 tiles and the service cards. */
.tile .ico,.card > .ico{position:static;width:40px;height:40px;padding:9px;margin:0;border-radius:11px}
.tile{display:grid;grid-template-columns:auto 1fr;column-gap:14px;align-items:center}
.tile > .ico{grid-row:1 / span 2}
.tile .zh{margin:0;font-size:24px;line-height:1.15}
.tile h3{margin:0;font-size:17px}
.tile p,.card:has(> .ico) p{grid-column:1 / -1;margin-top:12px}

/* service card icons: each one acts out its meaning, taking turns down the grid
   (shield draws and is ticked, heartbeat traces, cross pulses, umbrella sways, savings rise, will is written) */
.card:nth-child(2) .ico *{--i:1}.card:nth-child(3) .ico *{--i:2}.card:nth-child(4) .ico *{--i:3}.card:nth-child(5) .ico *{--i:4}.card:nth-child(6) .ico *{--i:5}
.card .ico *{transform-box:fill-box}
@media (prefers-reduced-motion:no-preference){
  .a-draw{stroke-dasharray:1;animation:tick 6s calc(var(--i,0) * 1s) infinite}
  .a-pop{transform-origin:50% 50%;animation:pop 6s calc(var(--i,0) * 1s) infinite}
  .a-beat{transform-origin:50% 50%;animation:beat 6s calc(var(--i,0) * 1s) infinite}
  .a-sway{transform-origin:50% 100%;animation:sway 6s calc(var(--i,0) * 1s) infinite}
  .a-write{transform-origin:0 50%;animation:write 6s calc(var(--i,0) * 1s) infinite}
  .a-write + .a-write{animation-delay:calc(var(--i,0) * 1s + .25s)}
}
@keyframes pop{0%,12%{transform:scale(0);opacity:0}20%{transform:scale(1.25);opacity:1}26%,85%{transform:scale(1);opacity:1}100%{transform:scale(0);opacity:0}}
@keyframes sway{0%,30%,100%{transform:rotate(0)}7%{transform:rotate(-12deg)}15%{transform:rotate(9deg)}23%{transform:rotate(-4deg)}}
@keyframes write{0%{transform:scaleX(0)}14%,85%{transform:scaleX(1)}100%{transform:scaleX(0)}}

/* 交钱: a coin is placed into an open hand (paying is a responsibility you hold).
   赔钱: a protective dome closes over the person, then glows. */
@media (prefers-reduced-motion:no-preference){
  .a-settle{animation:settle 6s calc(var(--i,0) * 1.2s) infinite}
  .a-dome{stroke-dasharray:1;animation:dome 6s calc(var(--i,0) * 1.2s) infinite}
}
@keyframes settle{0%{transform:translateY(-4px);opacity:0}16%,85%{transform:translateY(0);opacity:1}100%{transform:translateY(-4px);opacity:0}}
@keyframes dome{0%{stroke-dashoffset:1;filter:none}16%{stroke-dashoffset:0;filter:none}24%{filter:drop-shadow(0 0 2.5px #E9C766)}34%,85%{stroke-dashoffset:0;filter:none}100%{stroke-dashoffset:1}}

/* cards in the same row keep icon and title at the same height */
.tile,.card:has(> .ico){align-content:start}

/* ---- refinements inspired by award-winning portfolio sites ---- */
/* headline: one italic gold accent word with a hand-drawn underline */
h1 em,.bigcta h2 em{font-style:italic;font-weight:500;color:#E9C766;position:relative;white-space:nowrap}
h1 em::after,.bigcta h2 em::after{content:"";position:absolute;left:2%;right:2%;bottom:.04em;height:2px;border-radius:2px;background:linear-gradient(90deg,#9C7C1C,#E9C766,#FFF4CF);transform-origin:0 50%;transform:scaleX(1)}
@media (prefers-reduced-motion:no-preference){
  .js h1 em::after{transform:scaleX(0);animation:underline 1s .6s cubic-bezier(.2,.7,.2,1) forwards}
  .js .bigcta h2 em::after{transform:scaleX(0);transition:transform 1s .3s cubic-bezier(.2,.7,.2,1)}
  .js .bigcta.seen h2 em::after{transform:scaleX(1)}
}
@keyframes underline{to{transform:scaleX(1)}}

/* hero: drifting gold specks and a soft trail behind the pointer (drawn by site.js) */
.stars{position:absolute;inset:0;width:100%;height:100%;pointer-events:none}

/* closing call to action: large, dark and calm */
.bigcta{position:relative;overflow:hidden;padding:120px 0 110px;color:var(--ivory);text-align:center;
  background:radial-gradient(ellipse 70% 60% at 50% 0%,rgba(212,175,55,.14),transparent 70%),linear-gradient(180deg,var(--navy),var(--night))}
.bigcta .sec-head{max-width:900px;margin:0 auto 34px}
.bigcta h2{font-size:clamp(38px,6.4vw,76px);line-height:1.08;font-weight:500;letter-spacing:-.01em;color:#F1F3F2;margin:0 0 18px}
.bigcta h2 span[lang]{display:block;margin-top:14px;font-size:15px;letter-spacing:.4em;color:#E9C766}
.bigcta .sec-head p{color:#CCD0CF;font-size:17px}
.bigcta .btn.ghost{color:#F1F3F2;border-color:rgba(204,208,207,.4)}
.bigcta .btn.ghost:hover{color:#E9C766;border-color:#E9C766}
.bigcta .btn.pill{color:#fff}
@media (max-width:640px){.bigcta{padding:80px 0 120px}}
.hero h1{font-weight:500;letter-spacing:-.01em}
/* keep the footer light bar's glow from widening the page on phones */
footer{overflow:hidden}

/* ---- second pass from the portfolio reference ---- */
/* every dark section gets its own sky; content sits above it */
.myplan,footer,.bigcta{position:relative}
.hero > .wrap,.myplan > .wrap,.bigcta > .wrap,footer > .wrap{position:relative;z-index:1}

/* hero facts: small grey labels over short values, divided by hairlines (replaces the icon strip) */
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:0;max-width:1000px;margin:46px auto 0;text-align:left;border-top:1px solid rgba(204,208,207,.16)}
.facts > div{padding:18px 18px 4px;border-left:1px solid rgba(204,208,207,.12)}
.facts > div:first-child{border-left:0;padding-left:0}
.facts dt{font-size:11px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:#9BA8AB;margin-bottom:6px}
.facts dd{margin:0;font-size:14px;line-height:1.45;color:#F1F3F2}
.facts small{display:block;font-size:12.5px;color:#9BA8AB;margin-top:2px}
@media (max-width:860px){.facts{grid-template-columns:1fr 1fr}.facts > div:nth-child(3){border-left:0;padding-left:0}}
@media (max-width:420px){.facts{grid-template-columns:1fr}.facts > div{border-left:0;padding:14px 0 0}.facts > div + div{border-top:1px solid rgba(204,208,207,.1);margin-top:12px}}

/* services numbered 01 to 06 in the corner, like a portfolio index */
#help .grid3{counter-reset:svc}
#help .card{counter-increment:svc}
#help .card::after{content:counter(svc,decimal-leading-zero);position:absolute;top:20px;right:22px;font-size:12px;font-weight:600;letter-spacing:.12em;color:#9BA8AB}

/* mid-page prompt under the services */
.midcta{display:flex;align-items:center;justify-content:space-between;gap:20px;margin-top:40px;padding:26px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.midcta p{margin:0;font-family:var(--serif);font-size:clamp(20px,2.6vw,28px);color:var(--ink,#06141B)}
.midcta em{font-style:italic;color:var(--gold-ink)}
.midcta .btn.pill{flex:none;color:#fff}
@media (max-width:640px){.midcta{flex-direction:column;align-items:flex-start}.midcta .btn{width:100%;justify-content:center}}

/* header: a solid "Get in touch" pill beside Client login (phones already have the WhatsApp bar) */
.links .navcta{background:#F1F3F2;color:var(--night);border:1px solid #F1F3F2}
.links .navcta:hover{background:#E9C766;border-color:#E9C766;color:var(--night)}
@media (max-width:760px){.links .navcta{display:none}}

/* soft gold glow that follows the pointer (no ring); a little brighter over anything clickable */
.cursor{position:fixed;left:-60px;top:-60px;width:120px;height:120px;border-radius:50%;pointer-events:none;z-index:9999;opacity:0;
  background:radial-gradient(circle,rgba(255,236,170,.30) 0%,rgba(233,199,102,.14) 30%,rgba(212,175,55,.04) 55%,transparent 70%);
  mix-blend-mode:screen;transition:opacity .3s,filter .3s}
.cursor.on{opacity:1}
.cursor.hot{filter:brightness(1.5)}

/* hero text arrives line by line on load (pure CSS, so it also works without JavaScript) */
@media (prefers-reduced-motion:no-preference){
  .hero .wrap > :not(.tube){animation:rise .9s cubic-bezier(.2,.7,.2,1) both}
  .hero .wrap > :nth-child(2){animation-delay:.08s}.hero .wrap > :nth-child(3){animation-delay:.16s}
  .hero .wrap > :nth-child(4){animation-delay:.26s}.hero .wrap > :nth-child(5){animation-delay:.36s}
  .hero .wrap > :nth-child(6){animation-delay:.44s}.hero .wrap > :nth-child(7){animation-delay:.52s}
}
@keyframes rise{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:none}}

/* page fades to night before opening the Client Portal */
body::after{content:"";position:fixed;inset:0;background:#06141B;opacity:0;pointer-events:none;transition:opacity .28s;z-index:10000}
body.leaving::after{opacity:1}

/* English + 中文 everywhere: the Chinese sits on its own line in gold under each English heading or label,
   and inline beside short choices (form options) */
.cn{display:block;font-family:var(--sans,inherit);font-size:.74em;font-weight:500;letter-spacing:.08em;color:var(--gold-ink);margin-top:3px;line-height:1.35}
.facts .cn,.myplan .cn,.bigcta .cn,.hero .cn{color:#E9C766}
.facts dt .cn{display:inline;margin:0 0 0 6px;font-size:1em;letter-spacing:.1em;text-transform:none}
.facts dd .cn{font-size:12.5px;letter-spacing:.04em}
.seg label .cn,.chips label .cn{display:inline;margin:0 0 0 4px;font-size:.88em;letter-spacing:.02em;color:inherit;opacity:.75}
.qform legend .cn,.qform .f > span .cn{display:inline;margin-left:6px;font-size:.92em}
.qform .consent .cn{font-size:.95em;letter-spacing:.02em;color:var(--muted)}
.btn .cn{display:inline;margin-left:6px;font-size:.85em;color:inherit;opacity:.8;letter-spacing:.02em}
#faq summary .cn{font-size:.82em;margin-top:4px}
.midcta .cn{font-size:.62em;letter-spacing:.1em}
/* the form's option pills style their inner span; keep the Chinese as plain text inside the same pill */
.qform .cn{all:unset;display:inline;margin-left:6px;font-size:.9em;letter-spacing:.02em;opacity:.8}
.qform legend .cn,.qform .f > span .cn{color:var(--gold-ink);opacity:1}
.qform .consent .cn{display:block;margin:4px 0 0;color:var(--muted)}
.qform .btn .cn{opacity:.85}

/* ---- from darkness to light: the light sections brighten like dawn as you scroll down ---- */
.dawn{position:relative;overflow:hidden;isolation:isolate}
.dawn > .wrap{position:relative;z-index:1}
.dawn::before,.dawn::after{content:"";position:absolute;pointer-events:none;z-index:0}

/* 1. Four questions: first light. The night fades out at the top edge, a gold horizon glows,
      and soft sunlight pools from above */
.dawn-1{background:linear-gradient(180deg,#253745 0,#8E9CA0 48px,#D6DCDA 150px,#E9EAE3 100%)}
.dawn-1::after{left:0;right:0;top:0;height:2px;background:linear-gradient(90deg,transparent,rgba(255,236,170,.95) 50%,transparent);box-shadow:0 0 18px 4px rgba(233,199,102,.45)}
.dawn-1::before{left:50%;top:-420px;width:1400px;height:820px;margin-left:-700px;border-radius:50%;
  background:radial-gradient(ellipse at center,rgba(255,240,190,.75) 0%,rgba(233,199,102,.32) 28%,rgba(233,199,102,.10) 50%,transparent 70%);filter:blur(10px)}

/* 2. What I can help with: sunrise. A warm sun rises behind the cards from the bottom, in a soft haze of light */
.dawn-2{background:linear-gradient(180deg,#EFEEE7 0%,#F4EEDD 100%)}
.dawn-2::after{left:50%;bottom:-520px;width:1100px;height:900px;margin-left:-550px;border-radius:50%;
  background:radial-gradient(circle,rgba(255,236,170,.75) 0%,rgba(233,199,102,.35) 30%,rgba(233,199,102,.10) 52%,transparent 70%)}
.dawn-2::before{left:50%;bottom:-260px;width:1600px;height:620px;margin-left:-800px;border-radius:50%;
  background:radial-gradient(ellipse at center,rgba(255,244,207,.6) 0%,rgba(255,236,170,.22) 40%,transparent 70%);filter:blur(14px)}

/* 3. How we work together: morning. Warm cream light from the top right */
.dawn-3{background:radial-gradient(ellipse 70% 80% at 85% 0%,rgba(255,236,170,.55),transparent 65%),linear-gradient(180deg,#F6EEDA 0%,#FBF7EE 100%)}

/* the sunlight breathes gently, brightening and softening like light through morning air */
@media (prefers-reduced-motion:no-preference){
  .dawn-1::before{animation:breathe 9s ease-in-out infinite}
  .dawn-2::before,.dawn-2::after{animation:breathe 11s ease-in-out infinite}
}
@keyframes breathe{0%,100%{opacity:.75;transform:scale(1)}50%{opacity:1;transform:scale(1.06)}}

/* the process as a production line (流水線): a bright pulse of light flows along a faint gold line, and each step's LED lights up and its card glows
   as the pulse passes, one after another (its LED turns green). One 4 s cycle; step n is reached at 0.5 s + n × 1 s. */
#process .steps{position:relative;padding-top:34px}
#process .steps > li{position:relative;background:rgba(255,255,255,.82)}
#process .steps::before{content:"";position:absolute;top:13px;left:0;right:0;height:2px;border-radius:2px;
  background:linear-gradient(90deg,rgba(212,175,55,.06),rgba(212,175,55,.22) 50%,rgba(212,175,55,.06))}
#process .steps::after{content:"";position:absolute;top:8px;left:0;width:140px;height:12px;margin-left:-70px;border-radius:12px;pointer-events:none;opacity:0;
  background:radial-gradient(closest-side,rgba(255,244,207,1),rgba(233,199,102,.7) 45%,transparent)}
/* the LED sits inside each step chip, centred with the words, drawn from animatable colours:
   dim when idle, green when the flow reaches that step */
@property --led{syntax:"<color>";inherits:false;initial-value:#5BE38A}
@property --halo{syntax:"<color>";inherits:false;initial-value:rgba(91,227,138,.45)}
#process .steps li::before{--led:#5BE38A;--halo:rgba(91,227,138,.45);
  background:radial-gradient(circle at 13px 50%,#F2FFF6 0 1.2px,var(--led) 2.2px 3.5px,var(--halo) 4.5px,transparent 7.5px),var(--night)}
@media (prefers-reduced-motion:no-preference){
  #process .steps::after{animation:flow 4s linear infinite}
  #process .steps li::before{animation:led 4s ease-out infinite}
  #process .steps > li{animation:station 4s ease-out infinite}
  #process .steps li:nth-child(1)::before,#process .steps > li:nth-child(1){animation-delay:.5s}
  #process .steps li:nth-child(2)::before,#process .steps > li:nth-child(2){animation-delay:1.5s}
  #process .steps li:nth-child(3)::before,#process .steps > li:nth-child(3){animation-delay:2.5s}
  #process .steps li:nth-child(4)::before,#process .steps > li:nth-child(4){animation-delay:3.5s}
}
@keyframes flow{0%{left:0;opacity:0}6%{opacity:1}94%{opacity:1}100%{left:100%;opacity:0}}
@keyframes led{0%,14%{--led:#5BE38A;--halo:rgba(91,227,138,.55)}38%,100%{--led:#2E4A3C;--halo:rgba(91,227,138,0)}}
@keyframes station{0%{box-shadow:0 0 0 1px rgba(233,199,102,.7),0 10px 30px rgba(212,175,55,.28)}40%,100%{box-shadow:0 0 0 1px rgba(233,199,102,0),0 10px 30px rgba(212,175,55,0)}}
/* phones and tablets: the line runs down the left side instead */
@media (max-width:860px){
  #process .steps{padding-top:0;padding-left:26px}
  #process .steps::before{top:0;bottom:0;left:7px;right:auto;width:2px;height:auto;
    background:linear-gradient(180deg,rgba(212,175,55,.06),rgba(212,175,55,.22) 50%,rgba(212,175,55,.06))}
  #process .steps::after{left:2px;top:0;width:12px;height:140px;margin:-70px 0 0;background:radial-gradient(closest-side,rgba(255,244,207,1),rgba(233,199,102,.7) 45%,transparent)}
}
@media (max-width:860px) and (prefers-reduced-motion:no-preference){
  #process .steps::after{animation-name:flow-down}
}
@keyframes flow-down{0%{top:0;opacity:0}6%{opacity:1}94%{opacity:1}100%{top:100%;opacity:0}}

/* mid-page prompt as a small piece of night sky: navy panel, its own stars (site.js),
   and a slow gold aurora drifting behind the words, a cousin of the hero rather than a copy */
.midcta{position:relative;overflow:hidden;isolation:isolate;margin-top:44px;padding:38px 44px;border:1px solid rgba(212,175,55,.35);border-radius:22px;
  background:linear-gradient(135deg,#06141B 0%,#11212D 55%,#253745 100%);box-shadow:0 18px 50px rgba(6,20,27,.25)}
.midcta::before{content:"";position:absolute;inset:-40%;z-index:0;pointer-events:none;
  background:radial-gradient(closest-side at 30% 60%,rgba(233,199,102,.30),transparent),radial-gradient(closest-side at 70% 40%,rgba(255,236,170,.18),transparent),radial-gradient(closest-side at 55% 80%,rgba(212,175,55,.16),transparent);
  filter:blur(18px)}
.midcta > :not(canvas){position:relative;z-index:1}
.midcta p{color:#F1F3F2}
.midcta em{color:#E9C766}
.midcta .cn{color:#E9C766}
@media (prefers-reduced-motion:no-preference){.midcta::before{animation:aurora 16s ease-in-out infinite alternate}}
@keyframes aurora{0%{transform:translate(-6%,2%) rotate(0deg)}50%{transform:translate(5%,-4%) rotate(8deg)}100%{transform:translate(-2%,5%) rotate(-6deg)}}
@media (max-width:640px){.midcta{padding:28px 22px}}

/* "Let's talk" and the footer read as one night sky: no dividing line, same colour where they meet */
footer{border-top:0;background:var(--night);padding-top:24px}
.bigcta{padding-bottom:56px;background:radial-gradient(ellipse 70% 60% at 50% 0%,rgba(212,175,55,.14),transparent 70%),linear-gradient(180deg,var(--navy),var(--night) 85%)}
@media (max-width:640px){.bigcta{padding-bottom:48px}}