* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
    -webkit-tap-highlight-color: transparent;
}

button,
input[type="button"],
input[type="submit"],
input[type="reset"],
input[type="text"],
input[type="number"],
input[type="tel"],
input[type="email"],
input[type="password"],
input[type="search"],
textarea,
select {
    -webkit-appearance: none;
    -moz-appearance: none;
    appearance: none;
    border: none;
    outline: none;
    font-family: inherit;
    background: transparent;
    color: inherit;
}

button {
    cursor: pointer;
}

html, body {
    -webkit-text-size-adjust: 100%;
    -moz-text-size-adjust: 100%;
    -ms-text-size-adjust: 100%;
    text-size-adjust: 100%;
    overflow-x: hidden !important;
    overflow-y: auto !important;
    max-width: 100vw !important;
    width: 100% !important;
    height: auto !important;
    min-height: 0 !important;
    max-height: none !important;
    margin: 0 !important;
    padding: 0 !important;
}

html { scroll-behavior: smooth; }

/* ================= 【终极版 - 全浏览器 滚动条100%隐藏 标准写法 安全无白屏】 ================= */
/* 1. 全浏览器所有元素滚动条视觉隐藏（标准值，全兼容不白屏） */
html,
body,
.container,
.hero,
.features,
.calculator-section,
.apply-section,
.footer,
.navbar,
.modal-overlay,
.modal,
.feature-card,
.calculator-card,
.apply-card,
.loan-form,
.result-card,
.flow-process,
.section,
main {
    scrollbar-width: none !important;          /* Firefox 标准 */
    -ms-overflow-style: none !important;        /* IE10+ / 旧Edge 标准 */
    -ms-scrollbar-base-color: transparent !important;
    -ms-scrollbar-face-color: transparent !important;
    -ms-scrollbar-arrow-color: transparent !important;
    -ms-scrollbar-shadow-color: transparent !important;
    -ms-scrollbar-track-color: transparent !important;
    -ms-scrollbar-darkshadow-color: transparent !important;
    -ms-scrollbar-highlight-color: transparent !important;
    -ms-scrollbar-3dlight-color: transparent !important;
}

/* 2. Webkit 内核（Chrome / Safari / 安卓 / 新Edge / 微信webview）全组件滚动条彻底隐藏 */
*::-webkit-scrollbar,
*::-webkit-scrollbar-track,
*::-webkit-scrollbar-thumb,
*::-webkit-scrollbar-corner,
*::-webkit-scrollbar-button,
*::-webkit-resizer {
    display: none !important;
    width: 0px !important;
    height: 0px !important;
    background: transparent !important;
    border: 0 !important;
    margin: 0 !important;
    padding: 0 !important;
    -webkit-appearance: none !important;
    appearance: none !important;
}

/* 3. html/body 根级单独再锁一次，防止优先级被覆盖 */
html::-webkit-scrollbar,
body::-webkit-scrollbar,
html::-webkit-scrollbar-track,
body::-webkit-scrollbar-track,
html::-webkit-scrollbar-thumb,
body::-webkit-scrollbar-thumb {
    display: none !important;
    width: 0 !important;
    height: 0 !important;
    background: transparent !important;
}

body,
.container,
.hero,
.hero-inner,
.features,
.features-inner,
.calculator-section,
.calculator-inner,
.apply-section,
.apply-process,
.section,
.section-header,
.section-title,
.section-subtitle,
.navbar,
.navbar-inner,
.footer,
.footer-inner,
main,
#heroWrite,
.feature-card,
.calculator-card,
.loan-form,
.loan-form-inner,
.form-group,
.form-row,
.calculator-row,
.term-selector,
.radio-group,
.result-card,
.result-row,
.flow-process,
.flow-card,
.flow-steps-wrapper,
.modal-header,
.modal-body,
.modal-footer,
.modal-content {
    overflow-x: hidden !important;
    overflow-y: visible !important;
    max-width: 100vw !important;
    width: 100% !important;
    min-height: 0 !important;
    max-height: none !important;
    height: auto !important;
    box-sizing: border-box !important;
}

*, *::before, *::after {
    box-sizing: border-box !important;
}

.flex-col, .flex-row, .flex, [class*="flex"] {
    min-height: 0 !important;
    min-width: 0 !important;
}

.navbar {
    max-width: calc(100vw - 0.5px) !important;
}

:root {
    --primary: #0a1628;
    --primary-light: #162744;
    --primary-lighter: #1e3358;
    --accent: #c9a96e;
    --accent-mid: #e0c38b;
    --accent-light: #f2dfa8;
    --accent-strong: #c99a55;
    --accent-gradient: linear-gradient(135deg, #f4d99a 0%, #d8b272 45%, #eecb8f 70%, #c99a55 100%);
    --accent-gradient-soft: linear-gradient(135deg, #c9a96e 0%, #e8d5a8 50%, #c9a96e 100%);
    --bg-primary: linear-gradient(160deg, #0a1628 0%, #0d2142 45%, #0b1b38 100%);
    --bg-spotlight:
        radial-gradient(ellipse 60% 40% at 80% -10%, rgba(201,169,110,0.14) 0%, transparent 70%),
        radial-gradient(ellipse 50% 35% at -5% 30%, rgba(100,140,200,0.08) 0%, transparent 70%),
        radial-gradient(ellipse 70% 40% at 50% 110%, rgba(201,169,110,0.08) 0%, transparent 70%);
    --bg-secondary: rgba(10, 22, 40, 0.6);
    --bg-card: rgba(255, 255, 255, 0.04);
    --bg-card-hover: rgba(255, 255, 255, 0.07);
    --bg-dark: #070f1d;
    --text-primary: #eef2fa;
    --text-secondary: #9fb3d0;
    --text-light: #6d7e98;
    --text-white: #ffffff;
    --text-gold: #e8c488;
    --border: rgba(201, 169, 110, 0.22);
    --border-light: rgba(255, 255, 255, 0.06);
    --border-strong: rgba(201, 169, 110, 0.45);
    --success: #10b981;
    --error: #ef6565;
    --shadow-sm: 0 4px 16px rgba(0, 0, 0, 0.25);
    --shadow-md: 0 10px 32px rgba(0, 0, 0, 0.38);
    --shadow-lg: 0 20px 60px rgba(0, 0, 0, 0.5);
    --shadow-gold: 0 8px 28px rgba(201, 169, 110, 0.18);
    --radius-sm: 10px;
    --radius-md: 16px;
    --radius-lg: 22px;
    --radius-xl: 28px;
    --radius-pill: 999px;
    --transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', 'PingFang SC', 'Microsoft YaHei', 'Helvetica Neue', Arial, sans-serif;
    background: var(--bg-primary), var(--bg-spotlight);
    background-attachment: fixed;
    background-size: cover;
    min-height: 100vh;
    color: var(--text-primary);
    line-height: 1.6;
    overflow-x: hidden;
    overflow-y: auto;
}

body::before {
    content: '';
    position: fixed;
    inset: 0;
    background-image:
        radial-gradient(ellipse 70% 45% at 85% -18%, rgba(201,169,110,0.22) 0%, transparent 65%),
        radial-gradient(ellipse 55% 40% at -8% 32%, rgba(90,140,220,0.09) 0%, transparent 65%),
        radial-gradient(ellipse 70% 50% at 20% 120%, rgba(100,150,220,0.07) 0%, transparent 65%),
        radial-gradient(circle at 20% 20%, rgba(201,169,110,0.05) 0%, transparent 40%),
        radial-gradient(circle at 80% 80%, rgba(100,150,220,0.04) 0%, transparent 40%);
    pointer-events: none;
    z-index: 0;
}

body > * {
    position: relative;
    z-index: 1;
}

body.fade-in {
    animation: fadeInBody 0.8s ease-out;
}

@keyframes fadeInBody {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

.navbar {
    position: fixed;
    top: 16px;
    left: 50%;
    transform: translateX(-50%);
    width: calc(100% - 32px);
    max-width: 1200px;
    background: rgba(10, 22, 40, 0.72);
    backdrop-filter: blur(24px) saturate(150%);
    -webkit-backdrop-filter: blur(24px) saturate(150%);
    z-index: 100;
    border: 1px solid var(--border);
    border-radius: var(--radius-pill);
    box-shadow: var(--shadow-md), var(--shadow-gold);
    transition: var(--transition);
    padding-top: env(safe-area-inset-top, 0px);
}

@supports (padding-top: constant(safe-area-inset-top)) {
    .navbar { padding-top: constant(safe-area-inset-top, 0px); }
}

.navbar.scrolled {
    top: 10px;
    background: rgba(7, 15, 29, 0.88);
    box-shadow: 0 12px 40px rgba(0,0,0,0.5), 0 4px 16px rgba(201,169,110,0.12);
}

.nav-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 10px 20px 10px 18px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.nav-logo {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
}

.nav-logo-icon {
    width: 44px;
    height: 44px;
    background: var(--accent-gradient);
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    font-weight: 800;
    color: var(--primary);
    box-shadow: 0 6px 18px rgba(201, 169, 110, 0.38), inset 0 1px 0 rgba(255,255,255,0.4);
}

.nav-logo-text {
    font-size: 18px;
    font-weight: 700;
    color: var(--text-white);
    letter-spacing: -0.4px;
    text-shadow: 0 1px 2px rgba(0,0,0,0.4);
}

.lang-switch {
    display: flex;
    align-items: center;
    background: rgba(255, 255, 255, 0.04);
    border: 1px solid var(--border);
    border-radius: var(--radius-pill);
    padding: 5px;
    box-shadow: inset 0 1px 0 rgba(255,255,255,0.05);
}

.lang-btn {
    padding: 8px 18px;
    border: none;
    background: transparent;
    border-radius: var(--radius-pill);
    font-size: 13px;
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition);
    color: var(--text-secondary);
    white-space: nowrap;
    font-family: inherit;
}

.lang-btn:hover {
    color: var(--text-gold);
}

.lang-btn.active {
    background: var(--accent-gradient);
    color: var(--primary);
    box-shadow: 0 4px 14px rgba(201, 169, 110, 0.45), inset 0 1px 0 rgba(255,255,255,0.4);
}

/* ======= Navbar 移动端自适应（补充） ======= */
@media (max-width: 768px) {
    .nav-inner { padding: 9px 14px 9px 12px !important; display: flex; align-items: center; justify-content: space-between; gap: 10px !important; }
    .nav-logo { gap: 10px !important; flex: 0 1 auto; }
    .nav-logo-icon { width: 40px; height: 40px; border-radius: 12px; font-size: 18px; }
    .nav-logo-text { font-size: 17px; letter-spacing: -0.5px; }
    .lang-switch { padding: 4px !important; gap: 2px; flex: 0 0 auto; display: flex; }
    .lang-btn { padding: 7px 14px !important; font-size: 12.5px !important; }
}
@media (max-width: 430px) {
    .navbar { top: 10px !important; width: calc(100% - 20px) !important; }
    .nav-inner { padding: 8px 12px 8px 10px !important; gap: 8px !important; flex-wrap: nowrap; }
    .nav-logo { gap: 9px !important; flex: 1 1 auto; min-width: 0; }
    .nav-logo-icon { width: 38px; height: 38px; border-radius: 12px; font-size: 18px; }
    .nav-logo-text { font-size: 16px; letter-spacing: -0.6px; line-height: 1.15; }
    .lang-switch { padding: 3.5px !important; gap: 2px; flex: 0 0 auto; }
    .lang-btn { padding: 6px 12px !important; font-size: 12px !important; }
}
@media (max-width: 390px) {
    .navbar { width: calc(100% - 16px) !important; }
    .nav-inner { padding: 7px 11px 7px 9px !important; gap: 7px !important; }
    .nav-logo { gap: 8px !important; }
    .nav-logo-icon { width: 36px; height: 36px; border-radius: 11px; font-size: 17px; }
    .nav-logo-text { font-size: 15px; letter-spacing: -0.7px; }
    .lang-switch { padding: 3px !important; }
    .lang-btn { padding: 6px 10px !important; font-size: 11.5px !important; }
}
@media (max-width: 375px) {
    .navbar { top: 8px !important; }
    .nav-inner { padding: 7px 10px 7px 8px !important; gap: 6px !important; }
    .nav-logo { gap: 7px !important; }
    .nav-logo-icon { width: 35px; height: 35px; border-radius: 11px; font-size: 16.5px; }
    .nav-logo-text { font-size: 14.5px; letter-spacing: -0.7px; }
    .lang-btn { padding: 5.5px 10px !important; font-size: 11px !important; }
}
@media (max-width: 360px) {
    .navbar { width: calc(100% - 12px) !important; }
    .nav-inner { padding: 6px 9px 6px 7px !important; gap: 5px !important; }
    .nav-logo { gap: 6px !important; flex: 1 1 auto; }
    .nav-logo-icon { width: 34px; height: 34px; border-radius: 10px; font-size: 16px; }
    .nav-logo-text { font-size: 14px; letter-spacing: -0.8px; }
    .lang-switch { padding: 2.5px !important; }
    .lang-btn { padding: 5px 9px !important; font-size: 10.5px !important; }
}

/* ======= 弹窗 Modal 移动端 + 低分辨率 自适应（v7.2.2 彻底零滚动） ======= */
.modal-overlay {
    overflow: hidden !important;
    overflow-x: hidden !important;
    overflow-y: hidden !important;
    max-width: 100vw !important;
    width: 100vw !important;
    height: 100vh !important;
    min-height: 100vh !important;
    box-sizing: border-box !important;
    -webkit-overflow-scrolling: auto !important;
}
.modal {
    display: flex !important;
    flex-direction: column !important;
    overflow: hidden !important;
    overflow-x: hidden !important;
    overflow-y: hidden !important;
    box-sizing: border-box !important;
    max-height: calc(100vh - 48px) !important;
    min-height: 0 !important;
}
.modal-header { flex: 0 0 auto !important; min-height: 0 !important; flex-shrink: 0 !important; }
.circle-progress {
    flex: 0 0 auto !important;
    position: relative !important;
    width: 80px !important;
    height: 80px !important;
    margin: 8px auto 0 auto !important;
    display: flex !important;
    align-items: center !important;
    justify-content: center !important;
    flex-shrink: 0 !important;
}
.cp-ring {
    position: absolute !important;
    inset: 0 !important;
    width: 100% !important;
    height: 100% !important;
    transform: rotate(-90deg) !important;
    -webkit-transform: rotate(-90deg) !important;
}
.cp-bg, .cp-fill, .cp-check {
    fill: none !important;
}
.cp-bg {
    stroke: rgba(201, 169, 110, 0.18) !important;
    stroke-width: 6 !important;
}
.cp-fill {
    stroke: url(#goldStrokeGrad) #c9a96e !important;
    stroke: linear-gradient(135deg,#e8cb98 0%,#c9a96e 40%,#9f7a3e 100%) !important;
    stroke: -webkit-linear-gradient(135deg,#e8cb98 0%,#c9a96e 40%,#9f7a3e 100%) !important;
    stroke-width: 6 !important;
    stroke-linecap: round !important;
    stroke-dasharray: 326.7256 !important;
    stroke-dashoffset: 326.7256 !important;
    transition: stroke-dashoffset 0.4s cubic-bezier(.25,.8,.35,1) !important;
    -webkit-transition: stroke-dashoffset 0.4s cubic-bezier(.25,.8,.35,1) !important;
    filter: drop-shadow(0 0 6px rgba(201,169,110,0.35)) !important;
}
.cp-text {
    position: relative !important;
    z-index: 2 !important;
    font-size: 15px !important;
    font-weight: 700 !important;
    letter-spacing: -0.3px !important;
    background: linear-gradient(135deg,#e8cb98 0%,#c9a96e 45%,#9f7a3e 100%) !important;
    -webkit-background-clip: text !important;
    background-clip: text !important;
    -webkit-text-fill-color: transparent !important;
    text-align: center !important;
    transition: opacity 0.25s ease !important;
    -webkit-transition: opacity 0.25s ease !important;
}
.circle-progress.done .cp-text {
    opacity: 0 !important;
}
.cp-check {
    stroke: #e8cb98 !important;
    stroke-width: 6.5 !important;
    stroke-linecap: round !important;
    stroke-linejoin: round !important;
    stroke-dasharray: 120 !important;
    stroke-dashoffset: 120 !important;
    opacity: 0 !important;
    transition: opacity 0.15s ease, stroke-dashoffset 0.5s ease !important;
    -webkit-transition: opacity 0.15s ease, stroke-dashoffset 0.5s ease !important;
    transform: rotate(90deg) !important;
    -webkit-transform: rotate(90deg) !important;
    transform-origin: 60px 60px !important;
    -webkit-transform-origin: 60px 60px !important;
}
.circle-progress.done .cp-check {
    stroke-dashoffset: 0 !important;
    opacity: 1 !important;
    filter: drop-shadow(0 0 10px rgba(232,203,152,0.6)) !important;
}
.circle-tip {
    flex: 0 0 auto !important;
    max-height: 20px !important;
    min-height: 20px !important;
    margin: 6px auto 2px auto !important;
    font-size: 12px !important;
    line-height: 1.15 !important;
    text-align: center !important;
    font-weight: 600 !important;
    background: linear-gradient(135deg,#e8cb98 0%,#c9a96e 50%,#9f7a3e 100%) !important;
    -webkit-background-clip: text !important;
    background-clip: text !important;
    -webkit-text-fill-color: transparent !important;
    animation: cpBounce 0.5s ease-in-out infinite alternate !important;
    -webkit-animation: cpBounce 0.5s ease-in-out infinite alternate !important;
    white-space: nowrap !important;
    overflow: hidden !important;
    box-sizing: border-box !important;
}
@keyframes cpBounce {
    from { transform: translateY(0); }
    to { transform: translateY(-1.6px); }
}
@-webkit-keyframes cpBounce {
    from { -webkit-transform: translateY(0); }
    to { -webkit-transform: translateY(-1.6px); }
}
.flow-steps {
    flex: 0 0 auto !important;
    min-height: 0 !important;
    flex-shrink: 0 !important;
    overflow: visible !important;
    overflow-y: visible !important;
    padding-right: 0 !important;
    margin-top: 4px !important;
}
.modal-actions { flex: 0 0 auto !important; margin-top: 12px !important; min-height: 0 !important; flex-shrink: 0 !important; }
@media (max-width: 430px) {
    .modal-overlay { padding: 12px !important; }
    .modal {
        width: calc(100vw - 24px) !important;
        max-width: calc(100vw - 24px) !important;
        max-height: calc(100vh - 32px) !important;
        overflow-x: hidden !important;
        overflow-y: hidden !important;
        padding: 18px 14px 14px !important;
        border-radius: 21px !important;
    }
    .flow-steps::before { left: 17px !important; top: 8px; bottom: 8px; width: 1.5px; }
    .flow-step { gap: 7px !important; padding: 6px 0 !important; }
    .flow-step-indicator { width: 32px !important; height: 32px !important; flex: 0 0 32px !important; font-size: 11.5px !important; }
    .flow-step-num { font-size: 11.5px !important; }
    .flow-step-title { font-size: 12.2px !important; line-height: 1.28 !important; padding-left: 2px !important; }
    .modal-header { padding-bottom: 8px !important; margin-bottom: 4px !important; }
    .modal-title { font-size: 15.4px !important; letter-spacing: -0.3px !important; }
    .modal-icon-wrapper { width: 34px; height: 34px; border-radius: 10px; }
    .modal-icon { font-size: 16px; }
    .modal-close { width: 28px; height: 28px; border-radius: 8px; font-size: 12px; top: 7px; right: 7px; }
    .circle-progress { width: 72px !important; height: 72px !important; margin-top: 0 !important; }
    .cp-bg, .cp-fill { stroke-width: 5.2 !important; }
    .cp-check { stroke-width: 5.8 !important; }
    .cp-text { font-size: 14px !important; }
    .circle-tip { font-size: 11.4px !important; margin-top: 4px !important; margin-bottom: 1px !important; max-height: 18px !important; min-height: 18px !important; }
    .flow-steps { margin-top: 2px !important; }
    .modal-actions { margin-top: 8px !important; }
}
@media (max-width: 390px) {
    .modal-overlay { padding: 10px !important; }
    .modal {
        width: calc(100vw - 20px) !important;
        max-width: calc(100vw - 20px) !important;
        max-height: calc(100vh - 28px) !important;
        overflow-y: hidden !important;
        padding: 16px 12px 12px !important;
        border-radius: 20px !important;
    }
    .flow-steps::before { left: 15px !important; top: 7px; bottom: 7px; }
    .flow-step { gap: 6px !important; padding: 5px 0 !important; }
    .flow-step-indicator { width: 30px !important; height: 30px !important; flex: 0 0 30px !important; font-size: 11px !important; }
    .flow-step-num { font-size: 11px !important; }
    .flow-step-title { font-size: 11.8px !important; line-height: 1.26 !important; }
    .modal-title { font-size: 14.8px !important; }
    .modal-icon-wrapper { width: 32px; height: 32px; border-radius: 10px; }
    .modal-icon { font-size: 15.5px; }
    .modal-close { width: 27px; height: 27px; border-radius: 8px; font-size: 11.8px; top: 6px; right: 6px; }
    .circle-progress { width: 68px !important; height: 68px !important; }
    .cp-text { font-size: 13.5px !important; }
    .circle-tip { font-size: 11px !important; }
    .flow-steps { margin-top: 1px !important; }
    .modal-actions { margin-top: 6px !important; }
}
@media (max-width: 375px) {
    .modal-overlay { padding: 8px !important; }
    .modal {
        width: calc(100vw - 16px) !important;
        max-width: calc(100vw - 16px) !important;
        max-height: calc(100vh - 24px) !important;
        overflow-y: hidden !important;
        padding: 14px 11px 11px !important;
        border-radius: 19px !important;
    }
    .flow-steps::before { left: 14px !important; top: 6px; bottom: 6px; width: 1.5px; }
    .flow-step { gap: 5px !important; padding: 4px 0 !important; }
    .flow-step-indicator { width: 28px !important; height: 28px !important; flex: 0 0 28px !important; font-size: 10.5px !important; }
    .flow-step-num { font-size: 10.5px !important; }
    .flow-step-title { font-size: 11.3px !important; letter-spacing: -0.08px; line-height: 1.24 !important; }
    .modal-title { font-size: 14.4px !important; }
    .modal-icon-wrapper { width: 30px; height: 30px; border-radius: 9px; }
    .modal-icon { font-size: 15px; }
    .modal-close { width: 26px; height: 26px; border-radius: 8px; font-size: 11.2px; top: 5px; right: 5px; }
    .modal-header { padding-bottom: 6px !important; margin-bottom: 2px !important; }
    .circle-progress { width: 64px !important; height: 64px !important; margin-top: 0 !important; }
    .cp-bg, .cp-fill { stroke-width: 4.9 !important; }
    .cp-check { stroke-width: 5.4 !important; }
    .cp-text { font-size: 13px !important; }
    .circle-tip { font-size: 10.6px !important; margin-top: 3px !important; }
    .flow-steps { margin-top: 0 !important; }
    .modal-actions { margin-top: 5px !important; }
}
@media (max-width: 360px) {
    .modal-overlay { padding: 6px !important; }
    .modal {
        width: calc(100vw - 12px) !important;
        max-width: calc(100vw - 12px) !important;
        max-height: calc(100vh - 20px) !important;
        overflow-y: hidden !important;
        padding: 12px 9px 10px !important;
        border-radius: 17px !important;
    }
    .flow-steps::before { left: 13px !important; top: 5px; bottom: 5px; }
    .flow-step { gap: 4px !important; padding: 4px 0 !important; }
    .flow-step-indicator { width: 26px !important; height: 26px !important; flex: 0 0 26px !important; font-size: 10px !important; }
    .flow-step-num { font-size: 10px !important; }
    .flow-step-check { font-size: 11.5px !important; }
    .flow-step-title { font-size: 10.8px !important; line-height: 1.2 !important; padding-left: 1px !important; }
    .modal-title { font-size: 13.8px !important; letter-spacing: -0.4px; }
    .modal-header { padding-bottom: 5px !important; margin-bottom: 0 !important; }
    .modal-icon-wrapper { width: 28px; height: 28px; border-radius: 8px; }
    .modal-icon { font-size: 14.5px; }
    .modal-close { width: 25px; height: 25px; border-radius: 7px; font-size: 10.8px; top: 4px; right: 4px; }
    .circle-progress { width: 60px !important; height: 60px !important; margin-top: 0 !important; }
    .cp-bg, .cp-fill { stroke-width: 4.5 !important; }
    .cp-check { stroke-width: 5 !important; }
    .cp-text { font-size: 12.6px !important; }
    .circle-tip { font-size: 10.2px !important; margin-top: 2px !important; max-height: 17px !important; min-height: 17px !important; }
    .flow-steps { margin-top: 0 !important; }
    .modal-actions { margin-top: 4px !important; }
}


.hero {
    padding: 108px 0 52px;
    background: transparent;
    position: relative;
    overflow-x: hidden;
    overflow-y: visible;
}

.hero-inner {
    position: relative;
    z-index: 1;
}

#heroMainTitle {
    display: block !important;
    visibility: visible !important;
    opacity: 1 !important;
    position: static !important;
    width: 100% !important;
    height: auto !important;
    margin: 0 0 56px 0 !important;
    padding: 0 !important;
    color: var(--text-white) !important;
    font-family: -apple-system, BlinkMacSystemFont, 'Inter', 'PingFang SC', 'Microsoft YaHei', sans-serif !important;
    line-height: 1 !important;
    z-index: 999 !important;
}

#heroMainTitle * {
    display: inherit !important;
    visibility: inherit !important;
}

#heroMainTitle > .hero-slogan-line {
    display: flex !important;
    flex-direction: row !important;
    align-items: center !important;
    justify-content: flex-start !important;
    gap: 16px !important;
    width: 100% !important;
    height: auto !important;
    margin: 0 !important;
    opacity: 0;
    transform: translateY(30px);
    animation: heroLineIn 0.8s cubic-bezier(0.22, 1, 0.36, 1) forwards;
}

#heroMainTitle > .hero-slogan-line[data-hero-slogan="1"] { animation-delay: 0.18s; margin-bottom: 14px; }
#heroMainTitle > .hero-slogan-line[data-hero-slogan="2"] { animation-delay: 0.42s; margin-bottom: 18px; }
#heroMainTitle > .hero-slogan-line[data-hero-slogan="3"] { animation-delay: 0.66s; }

@keyframes heroLineIn {
    to { opacity: 1; transform: translateY(0); }
}

#heroMainTitle .hero-line-check {
    position: relative;
    flex-shrink: 0;
    display: inline-block !important;
    width: 40px !important;
    height: 40px !important;
    margin: 0 4px 0 0 !important;
    padding: 0 !important;
}
#heroMainTitle .hero-line-check::after {
    content: '';
    position: absolute;
    inset: 0;
    border-radius: 50%;
    background: linear-gradient(135deg, #c9a96e 0%, #e8d5a8 100%);
    z-index: 0;
    box-shadow: 0 6px 22px rgba(201, 169, 110, 0.45);
    border: 1px solid rgba(255,255,255,0.35);
}
#heroMainTitle .hero-line-check svg {
    display: block !important;
    width: 100% !important;
    height: 100% !important;
    position: relative;
    z-index: 1;
}
#heroMainTitle .hero-check-circle {
    stroke: #c9a96e;
    stroke-width: 3;
    stroke-linecap: round;
    stroke-dasharray: 166;
    stroke-dashoffset: 166;
    animation: heroDrawCircle 0.6s cubic-bezier(0.65, 0, 0.45, 1) forwards;
}
#heroMainTitle .hero-check-mark {
    stroke: #ffffff;
    stroke-width: 6;
    stroke-linecap: round;
    stroke-linejoin: round;
    stroke-dasharray: 48;
    stroke-dashoffset: 48;
    filter: drop-shadow(0 1px 2px rgba(0,0,0,0.3));
    animation: heroDrawCheck 0.45s 0.48s cubic-bezier(0.65, 0, 0.45, 1) forwards;
}
#heroMainTitle > .hero-slogan-line[data-hero-slogan="1"] .hero-check-circle { animation-delay: 0.26s; }
#heroMainTitle > .hero-slogan-line[data-hero-slogan="1"] .hero-check-mark   { animation-delay: 0.70s; }
#heroMainTitle > .hero-slogan-line[data-hero-slogan="2"] .hero-check-circle { animation-delay: 0.50s; }
#heroMainTitle > .hero-slogan-line[data-hero-slogan="2"] .hero-check-mark   { animation-delay: 0.94s; }
#heroMainTitle > .hero-slogan-line[data-hero-slogan="3"] .hero-check-circle { animation-delay: 0.74s; }
#heroMainTitle > .hero-slogan-line[data-hero-slogan="3"] .hero-check-mark   { animation-delay: 1.18s; }

@keyframes heroDrawCircle { from { stroke-dashoffset: 166; } to { stroke-dashoffset: 0; } }
@keyframes heroDrawCheck  { from { stroke-dashoffset: 48;  } to { stroke-dashoffset: 0; } }

#heroMainTitle .hero-line-text {
    display: inline-block !important;
    visibility: visible !important;
    margin: 0 !important;
    padding: 0 !important;
    font-family: inherit !important;
    letter-spacing: -0.5px;
    word-break: break-word;
}
#heroMainTitle > .hero-slogan-line-1 .hero-line-text {
    color: #ffffff !important;
    font-weight: 900 !important;
    font-size: clamp(40px, 6.5vw, 88px) !important;
    letter-spacing: -1.5px;
    text-shadow: 0 4px 20px rgba(0,0,0,0.55);
}
#heroMainTitle > .hero-slogan-line-2 .hero-line-text {
    background: linear-gradient(135deg, #f4d99a 0%, #d8b272 45%, #eecb8f 70%, #c99a55 100%) !important;
    -webkit-background-clip: text !important;
    -webkit-text-fill-color: transparent !important;
    background-clip: text !important;
    color: #e8c488 !important;
    font-weight: 800 !important;
    font-size: clamp(36px, 6vw, 82px) !important;
    letter-spacing: -1.2px;
    filter: drop-shadow(0 3px 8px rgba(201,154,85,0.25));
}
#heroMainTitle > .hero-slogan-line-3 .hero-line-text {
    color: #f2d49b !important;
    font-weight: 800 !important;
    font-size: clamp(28px, 4.5vw, 58px) !important;
    letter-spacing: -0.6px;
    text-shadow: 0 2px 10px rgba(201,154,85,0.35);
}

@media (max-width: 768px) {
    #heroMainTitle { margin-bottom: 44px !important; }
    #heroMainTitle > .hero-slogan-line { gap: 12px !important; }
    #heroMainTitle .hero-line-check { width: 30px !important; height: 30px !important; }
    #heroMainTitle > .hero-slogan-line-1 .hero-line-text { font-size: clamp(32px, 9.5vw, 52px) !important; letter-spacing: -1px; }
    #heroMainTitle > .hero-slogan-line-2 .hero-line-text { font-size: clamp(26px, 8vw, 46px)  !important; letter-spacing: -0.8px; }
    #heroMainTitle > .hero-slogan-line-3 .hero-line-text { font-size: clamp(22px, 6.5vw, 34px) !important; }
}

.features {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-top: 60px;
    animation: slideUp 0.6s ease-out 0.5s both;
}

.feature-card {
    background: var(--bg-card);
    backdrop-filter: blur(14px) saturate(140%);
    -webkit-backdrop-filter: blur(14px) saturate(140%);
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 32px;
    transition: var(--transition);
    position: relative;
    overflow: hidden;
    box-shadow: var(--shadow-md);
}

.feature-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--accent-gradient);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.45s cubic-bezier(0.4, 0, 0.2, 1);
}

.feature-card::after {
    content: '';
    position: absolute;
    inset: 0;
    border-radius: var(--radius-xl);
    background: linear-gradient(135deg, rgba(255,255,255,0.06) 0%, transparent 50%);
    pointer-events: none;
}

.feature-card:hover {
    transform: translateY(-8px);
    background: var(--bg-card-hover);
    box-shadow: 0 24px 60px rgba(0,0,0,0.55), 0 10px 24px rgba(201,169,110,0.15);
    border-color: var(--border-strong);
}

.feature-card:hover::before {
    transform: scaleX(1);
}

.feature-icon {
    width: 58px;
    height: 58px;
    background: linear-gradient(135deg, rgba(201,169,110,0.22) 0%, rgba(201,169,110,0.08) 100%);
    border: 1px solid var(--border);
    border-radius: 18px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 26px;
    margin-bottom: 20px;
    box-shadow: inset 0 1px 0 rgba(255,255,255,0.06);
}

.feature-title {
    font-size: 18px;
    font-weight: 700;
    color: var(--text-white);
    margin-bottom: 8px;
    line-height: 1.4;
    letter-spacing: -0.3px;
}

.feature-desc {
    font-size: 14px;
    color: var(--text-secondary);
    line-height: 1.7;
}

.calculator-section {
    padding: 56px 0;
    background: transparent;
    position: relative;
}

.section-header {
    text-align: center;
    margin-bottom: 56px;
}

.section-badge {
    display: inline-block;
    padding: 7px 18px;
    background: linear-gradient(135deg, rgba(201,169,110,0.2) 0%, rgba(201,169,110,0.06) 100%);
    color: var(--text-gold);
    border: 1px solid var(--border);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 1.8px;
    border-radius: var(--radius-pill);
    margin-bottom: 16px;
    box-shadow: inset 0 1px 0 rgba(255,255,255,0.05);
}

.section-title {
    font-size: clamp(28px, 4vw, 42px);
    font-weight: 800;
    color: var(--text-white);
    letter-spacing: -1px;
    margin-bottom: 12px;
    line-height: 1.2;
    text-shadow: 0 2px 12px rgba(0,0,0,0.4);
}

.section-subtitle {
    font-size: 16px;
    color: var(--text-secondary);
    line-height: 1.7;
}

.calculator-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
    max-width: 1080px;
    margin: 0 auto;
}

.calculator-card {
    background: var(--bg-card);
    backdrop-filter: blur(18px) saturate(140%);
    -webkit-backdrop-filter: blur(18px) saturate(140%);
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 40px;
    box-shadow: var(--shadow-md), var(--shadow-gold);
    position: relative;
    overflow: hidden;
}

.calculator-card::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 1px;
    background: linear-gradient(90deg, transparent 0%, rgba(201,169,110,0.5) 50%, transparent 100%);
    pointer-events: none;
}

.calculator-input-card {
    animation: slideInLeft 0.6s ease-out;
}

.calculator-result-card {
    background:
        linear-gradient(160deg, rgba(10,22,40,0.85) 0%, rgba(13,33,66,0.92) 100%);
    backdrop-filter: blur(20px) saturate(150%);
    -webkit-backdrop-filter: blur(20px) saturate(150%);
    border: 1px solid var(--border-strong);
    color: var(--text-white);
    animation: slideInRight 0.6s ease-out;
}

@keyframes slideInLeft {
    from { opacity: 0; transform: translateX(-40px); }
    to { opacity: 1; transform: translateX(0); }
}

@keyframes slideInRight {
    from { opacity: 0; transform: translateX(40px); }
    to { opacity: 1; transform: translateX(0); }
}

.form-group {
    margin-bottom: 28px;
}

.form-label {
    display: block;
    font-size: 14px;
    font-weight: 600;
    color: var(--text-gold);
    margin-bottom: 10px;
    letter-spacing: 0.2px;
}

.form-input,
.form-select {
    width: 100%;
    padding: 15px 18px;
    font-size: 15px;
    font-family: inherit;
    color: var(--text-primary);
    background: rgba(10, 22, 40, 0.55);
    border: 1.5px solid var(--border);
    border-radius: var(--radius-md);
    transition: var(--transition);
    outline: none;
    -webkit-appearance: none;
    -moz-appearance: none;
    appearance: none;
    box-shadow: inset 0 1px 2px rgba(0,0,0,0.3);
}

.form-select {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%23e8c488' d='M6 9L1 4h10z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 18px center;
    padding-right: 44px;
    cursor: pointer;
    background-color: rgba(10, 22, 40, 0.55);
}

.form-input:hover,
.form-select:hover {
    border-color: rgba(201, 169, 110, 0.45);
    background: rgba(10, 22, 40, 0.7);
}

.form-input:focus,
.form-select:focus {
    border-color: var(--accent);
    box-shadow: 0 0 0 4px rgba(201, 169, 110, 0.14), inset 0 1px 2px rgba(0,0,0,0.3);
    background: rgba(7, 15, 29, 0.85);
    color: var(--text-white);
}

.form-input::placeholder {
    color: var(--text-light);
}

.form-input.error,
.form-select.error {
    border-color: var(--error);
    box-shadow: 0 0 0 4px rgba(239, 68, 68, 0.12);
}

.input-with-unit {
    position: relative;
}

.input-unit {
    position: absolute;
    right: 18px;
    top: 50%;
    transform: translateY(-50%);
    font-size: 14px;
    font-weight: 700;
    color: var(--text-gold);
    letter-spacing: 0.5px;
    pointer-events: none;
}

.input-with-unit .form-input {
    padding-right: 70px;
}

.input-error-msg {
    display: none;
    color: #ff8a8a;
    font-size: 12px;
    margin-top: 6px;
    font-weight: 500;
}

.input-error-msg.show {
    display: block;
    animation: fadeIn 0.3s ease;
}

@keyframes fadeIn {
    from { opacity: 0; }
    to { opacity: 1; }
}

.term-selector {
    display: grid;
    grid-template-columns: repeat(6, 1fr);
    gap: 8px;
}

.term-btn {
    padding: 12px 4px;
    font-size: 13px;
    font-weight: 600;
    background: rgba(10, 22, 40, 0.5);
    border: 1.5px solid var(--border);
    border-radius: 12px;
    cursor: pointer;
    transition: var(--transition);
    color: var(--text-secondary);
    font-family: inherit;
    box-shadow: inset 0 1px 0 rgba(255,255,255,0.03);
}

.term-btn:hover {
    border-color: rgba(201, 169, 110, 0.5);
    color: var(--text-gold);
    background: rgba(20, 38, 68, 0.7);
}

.term-btn.active {
    background: var(--accent-gradient);
    border-color: transparent;
    color: var(--primary);
    font-weight: 700;
    box-shadow: 0 6px 18px rgba(201, 169, 110, 0.42), inset 0 1px 0 rgba(255,255,255,0.45);
}

.method-switch {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
}

.method-btn {
    padding: 18px 16px;
    background: rgba(10, 22, 40, 0.5);
    border: 1.5px solid var(--border);
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: var(--transition);
    text-align: left;
    font-family: inherit;
    box-shadow: inset 0 1px 0 rgba(255,255,255,0.03);
}

.method-btn:hover {
    border-color: rgba(201, 169, 110, 0.5);
    background: rgba(20, 38, 68, 0.7);
}

.method-btn.active {
    background: linear-gradient(135deg, rgba(201,169,110,0.18) 0%, rgba(13,33,66,0.85) 100%);
    border-color: var(--accent);
    box-shadow: 0 0 0 3px rgba(201,169,110,0.1), inset 0 1px 0 rgba(255,255,255,0.06);
}

.method-btn-title {
    font-size: 14px;
    font-weight: 700;
    color: var(--text-white);
    margin-bottom: 4px;
}

.method-btn.active .method-btn-title {
    color: var(--text-gold);
}

.method-btn-desc {
    font-size: 12px;
    color: var(--text-secondary);
    line-height: 1.5;
}

.result-title {
    font-size: 18px;
    font-weight: 700;
    margin-bottom: 32px;
    display: flex;
    align-items: center;
    gap: 10px;
    color: var(--text-white);
}

.result-title-icon {
    width: 38px;
    height: 38px;
    background: linear-gradient(135deg, rgba(201,169,110,0.3) 0%, rgba(201,169,110,0.1) 100%);
    border: 1px solid var(--border);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
}

.result-list {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.result-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-bottom: 20px;
    border-bottom: 1px solid rgba(201, 169, 110, 0.14);
}

.result-item:last-child {
    border-bottom: none;
    padding-bottom: 0;
}

.result-label {
    font-size: 14px;
    color: var(--text-secondary);
    font-weight: 500;
}

.result-value {
    font-size: 18px;
    font-weight: 700;
    color: var(--text-white);
    display: flex;
    align-items: baseline;
    gap: 4px;
    transition: all 0.3s ease;
}

.result-value.highlight {
    background: var(--accent-gradient);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    color: var(--accent-light);
    font-size: 28px;
    font-weight: 800;
    letter-spacing: -0.5px;
    filter: drop-shadow(0 2px 8px rgba(201,154,85,0.3));
}

.result-value-currency {
    font-size: 12px;
    font-weight: 600;
    color: rgba(232, 196, 136, 0.7) !important;
    -webkit-text-fill-color: rgba(232, 196, 136, 0.7) !important;
    background: none !important;
}

.result-value-change {
    animation: valueChange 0.4s ease;
}

@keyframes valueChange {
    0% { transform: scale(1); }
    50% { transform: scale(1.15); color: var(--accent-light); }
    100% { transform: scale(1); }
}

.apply-section {
    padding: 56px 0;
    background: transparent;
    position: relative;
}

.apply-wrapper {
    max-width: 720px;
    margin: 0 auto;
}

.apply-card {
    background: var(--bg-card);
    backdrop-filter: blur(18px) saturate(140%);
    -webkit-backdrop-filter: blur(18px) saturate(140%);
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 48px;
    box-shadow: var(--shadow-lg), var(--shadow-gold);
    animation: slideUp 0.6s ease-out;
    position: relative;
    overflow: hidden;
}

.apply-card::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 1px;
    background: linear-gradient(90deg, transparent 0%, rgba(201,169,110,0.6) 50%, transparent 100%);
    pointer-events: none;
}

@keyframes slideUp {
    from { opacity: 0; transform: translateY(30px); }
    to { opacity: 1; transform: translateY(0); }
}

.apply-header {
    text-align: center;
    margin-bottom: 40px;
}

.apply-title {
    font-size: 28px;
    font-weight: 800;
    color: var(--text-white);
    margin-bottom: 8px;
    letter-spacing: -0.5px;
}

.apply-subtitle {
    font-size: 15px;
    color: var(--text-secondary);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.phone-input-group {
    display: grid;
    grid-template-columns: 110px 1fr;
    gap: 10px;
}

.dial-code-select {
    background-color: rgba(10, 22, 40, 0.55);
    padding-left: 12px;
    padding-right: 32px !important;
    font-weight: 600;
}

.btn-submit {
    width: 100%;
    padding: 18px;
    font-size: 16px;
    font-weight: 700;
    font-family: inherit;
    background: var(--accent-gradient);
    background-size: 200% 200%;
    color: var(--primary);
    border: none;
    border-radius: var(--radius-lg);
    cursor: pointer;
    transition: all 0.45s cubic-bezier(0.4, 0, 0.2, 1);
    letter-spacing: 0.5px;
    box-shadow: 0 10px 30px rgba(201, 169, 110, 0.45), inset 0 1px 0 rgba(255,255,255,0.55);
    margin-top: 16px;
    position: relative;
    overflow: hidden;
}

.btn-submit::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.45), transparent);
    transition: left 0.6s ease;
}

.btn-submit:hover {
    background-position: right center;
    transform: translateY(-3px);
    box-shadow: 0 16px 42px rgba(201, 169, 110, 0.55), inset 0 1px 0 rgba(255,255,255,0.6);
}

.btn-submit:hover::before {
    left: 100%;
}

.btn-submit:active {
    transform: translateY(-1px);
}

.btn-submit.loading {
    pointer-events: none;
    opacity: 0.82;
}

.btn-submit.loading .btn-text {
    visibility: hidden;
}

.btn-submit.loading::after {
    content: '';
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    width: 22px;
    height: 22px;
    border: 2.5px solid rgba(10, 22, 40, 0.25);
    border-top-color: var(--primary);
    border-radius: 50%;
    animation: spin 0.8s linear infinite;
}

@keyframes spin {
    to { transform: translate(-50%, -50%) rotate(360deg); }
}

.footer {
    background: linear-gradient(180deg, rgba(7,15,29,0.5) 0%, rgba(7,15,29,0.9) 100%);
    padding: 32px 0 24px;
    text-align: center;
    border-top: 1px solid var(--border-light);
    position: relative;
}

.footer::before {
    content: '';
    position: absolute;
    top: 0;
    left: 50%;
    transform: translateX(-50%);
    width: 60%;
    height: 1px;
    background: linear-gradient(90deg, transparent 0%, rgba(201,169,110,0.4) 50%, transparent 100%);
}

.footer-text {
    color: var(--text-secondary);
    font-size: 13px;
    letter-spacing: 0.3px;
    opacity: 0.85;
}

.modal-overlay {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(4, 10, 20, 0.82);
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);
    z-index: 1000;
    align-items: center;
    justify-content: center;
    padding: 20px;
}

.modal-overlay.active {
    display: flex;
    animation: fadeIn 0.3s ease;
}

.modal {
    background: linear-gradient(160deg, rgba(13,33,66,0.96) 0%, rgba(10,22,40,0.98) 100%);
    backdrop-filter: blur(20px) saturate(150%);
    -webkit-backdrop-filter: blur(20px) saturate(150%);
    border: 1px solid var(--border-strong);
    border-radius: var(--radius-xl);
    max-width: 560px;
    width: 100%;
    padding: 48px;
    box-shadow: 0 30px 80px rgba(0,0,0,0.7), 0 10px 30px rgba(201,169,110,0.18);
    animation: modalIn 0.45s cubic-bezier(0.4, 0, 0.2, 1);
    position: relative;
    overflow: hidden;
}

.modal::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 2px;
    background: var(--accent-gradient);
}

@keyframes modalIn {
    from { opacity: 0; transform: translateY(30px) scale(0.96); }
    to { opacity: 1; transform: translateY(0) scale(1); }
}

.modal-header {
    text-align: center;
    margin-bottom: 40px;
}

.modal-icon-wrapper {
    width: 68px;
    height: 68px;
    margin: 0 auto 22px;
    background: var(--accent-gradient);
    border-radius: 22px;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 10px 30px rgba(201, 169, 110, 0.5), inset 0 1px 0 rgba(255,255,255,0.5);
    animation: bounce 0.65s ease;
}

@keyframes bounce {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-10px); }
}

.modal-icon {
    font-size: 30px;
}

.modal-title {
    font-size: 24px;
    font-weight: 800;
    color: var(--text-white);
    margin-bottom: 6px;
    letter-spacing: -0.4px;
}

.modal-subtitle {
    font-size: 14px;
    color: var(--text-secondary);
}

.flow-steps {
    position: relative;
}

.flow-steps::before {
    content: '';
    position: absolute;
    left: 21px;
    top: 20px;
    bottom: 20px;
    width: 2px;
    background: linear-gradient(180deg, rgba(201,169,110,0.4) 0%, rgba(201,169,110,0.1) 100%);
}

.flow-step {
    display: flex;
    gap: 20px;
    padding: 14px 0;
    position: relative;
}

.flow-step-indicator {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: rgba(10, 22, 40, 0.7);
    border: 1.5px solid var(--border);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
    font-weight: 700;
    color: var(--text-light);
    flex-shrink: 0;
    position: relative;
    z-index: 1;
    transition: all 0.4s ease;
    box-shadow: inset 0 1px 0 rgba(255,255,255,0.04);
}

.flow-step.active .flow-step-indicator {
    background: var(--accent-gradient);
    border-color: transparent;
    color: var(--primary);
    box-shadow: 0 6px 20px rgba(201, 169, 110, 0.5), inset 0 1px 0 rgba(255,255,255,0.5);
    animation: pulseGlow 1.6s ease-in-out infinite;
}

@keyframes pulseGlow {
    0%, 100% { box-shadow: 0 6px 20px rgba(201, 169, 110, 0.5), inset 0 1px 0 rgba(255,255,255,0.5); }
    50% { box-shadow: 0 6px 30px rgba(201, 169, 110, 0.75), inset 0 1px 0 rgba(255,255,255,0.5); }
}

.flow-step.completed .flow-step-indicator {
    background: var(--success);
    border-color: transparent;
    color: white;
    box-shadow: 0 4px 14px rgba(16, 185, 129, 0.35);
}

.flow-step-text {
    flex: 1;
    padding-top: 11px;
}

.flow-step-title {
    font-size: 14px;
    font-weight: 600;
    color: var(--text-light);
    transition: all 0.3s ease;
    line-height: 1.5;
}

.flow-step.active .flow-step-title {
    color: var(--text-gold);
    font-weight: 700;
}

.flow-step.completed .flow-step-title {
    color: var(--success);
}

.flow-step-check {
    display: none;
    font-size: 18px;
    font-weight: 800;
}

.flow-step.completed .flow-step-num {
    display: none;
}

.flow-step.completed .flow-step-check {
    display: block;
}

.flow-progress-bar {
    margin-top: 36px;
    height: 9px;
    background: rgba(255,255,255,0.06);
    border-radius: var(--radius-pill);
    overflow: hidden;
    box-shadow: inset 0 1px 2px rgba(0,0,0,0.4);
}

.flow-progress-fill {
    height: 100%;
    width: 0%;
    background: var(--accent-gradient);
    border-radius: var(--radius-pill);
    transition: width 0.6s cubic-bezier(0.4, 0, 0.2, 1);
    position: relative;
    overflow: hidden;
    box-shadow: 0 0 12px rgba(201,169,110,0.4);
}

.flow-progress-fill::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.5), transparent);
    animation: shimmer 1.5s infinite;
}

@keyframes shimmer {
    0% { transform: translateX(-100%); }
    100% { transform: translateX(100%); }
}

.flow-progress-text {
    margin-top: 16px;
    text-align: center;
    font-size: 13px;
    font-weight: 700;
    color: var(--text-gold);
    letter-spacing: 0.5px;
}

.reveal {
    opacity: 0;
    transform: translateY(40px);
    transition: opacity 0.85s cubic-bezier(0.22,1,0.36,1), transform 0.85s cubic-bezier(0.22,1,0.36,1);
}

.reveal.visible {
    opacity: 1;
    transform: translateY(0);
}

@media (max-width: 968px) {
    .features {
        grid-template-columns: 1fr;
    }
    
    .calculator-wrapper {
        grid-template-columns: 1fr;
    }
    
    .form-row {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 768px) {
    .navbar {
        top: 10px;
        width: calc(100% - 20px);
    }

    .container {
        padding: 0 16px;
    }
    
    .nav-inner {
        padding: 8px 14px 8px 12px;
    }

    .nav-logo-icon {
        width: 40px;
        height: 40px;
        border-radius: 12px;
    }
    
    .nav-logo-text {
        display: none;
    }
    
    .hero {
        padding: 100px 0 60px;
    }
    
    .features {
        margin-top: 40px;
        gap: 16px;
    }
    
    .feature-card {
        padding: 24px;
        border-radius: 22px;
    }
    
    .calculator-section,
    .apply-section {
        padding: 60px 0;
    }
    
    .calculator-card,
    .apply-card {
        padding: 28px 20px;
        border-radius: 24px;
    }
    
    .term-selector {
        grid-template-columns: repeat(4, 1fr);
    }
    
    .method-switch {
        grid-template-columns: 1fr;
    }
    
    .phone-input-group {
        grid-template-columns: 95px 1fr;
    }
    
    .modal {
        padding: 32px 20px;
        border-radius: 24px;
    }
    
    .section-header {
        margin-bottom: 36px;
    }
    
    .apply-header {
        margin-bottom: 28px;
    }

    .lang-btn {
        padding: 7px 14px;
        font-size: 12px;
    }
}

@media (max-width: 480px) {
    .term-selector {
        grid-template-columns: repeat(3, 1fr);
    }
    
    .lang-btn {
        padding: 6px 12px;
        font-size: 12px;
    }
}

/* ======= FINE-GRAINED RESPONSIVE (PC / iPad / iPhone ProMax / Pro / Standard / SE / Small Android) ======= */
/* -- 1. Laptop / 小桌机 769-1199px -- */
@media (min-width: 769px) and (max-width: 1199px) {
    .container { max-width: 96% !important; padding: 0 28px !important; }
    .hero { padding: 120px 0 70px !important; }
    .calculator-section, .apply-section { padding: 70px 0 !important; }
    .section-title { font-size: clamp(28px, 4vw, 44px) !important; }
    .nav-logo-text { font-size: 17px !important; }
    .feature-card { padding: 26px !important; }
    .calculator-card, .apply-card { padding: 30px 26px !important; }
}

/* -- 2. 平板 / iPad (768-1024px) 叠加调整 -- */
@media (min-width: 768px) and (max-width: 1024px) {
    .hero { padding: 108px 0 64px !important; }
    .section-title { font-size: clamp(26px, 3.6vw, 38px) !important; }
    .feature-card { padding: 22px !important; }
    .calculator-card, .apply-card { padding: 26px 22px !important; }
    .term-selector { grid-template-columns: repeat(4, 1fr) !important; }
}

/* -- 3. iPhone 14/15 Pro Max / 大屏安卓 431-768px 叠加调整 -- */
@media (min-width: 431px) and (max-width: 768px) {
    .navbar { top: 10px !important; width: calc(100% - 20px) !important; }
    .hero { padding: 104px 0 56px !important; }
    .section-title { font-size: clamp(24px, 5.8vw, 34px) !important; }
    .section-badge { font-size: 11px !important; padding: 5px 12px !important; }
    .feature-card { padding: 22px !important; }
    .calculator-card, .apply-card { padding: 26px 20px !important; border-radius: 24px !important; }
    .result-value.highlight { font-size: clamp(30px, 8vw, 46px) !important; }
}

/* -- 4. iPhone 15 Pro Max / 超大屏安卓 430px 以内 -- */
@media (max-width: 430px) {
    body { padding-bottom: env(safe-area-inset-bottom, 0px) !important; }
    .navbar {
        top: 10px !important;
        width: calc(100% - 20px) !important;
        padding-top: calc(1px + env(safe-area-inset-top, 0px)) !important;
    }
    .container { padding: 0 18px !important; }
    .nav-inner { padding: 8px 12px 8px 10px !important; }
    .nav-logo-icon { width: 38px !important; height: 38px !important; border-radius: 12px !important; font-size: 18px !important; }
    .hero { padding: 100px 0 56px !important; }
    .features { margin-top: 36px !important; gap: 14px !important; }
    .feature-card { padding: 22px 18px !important; border-radius: 22px !important; }
    .calculator-section, .apply-section { padding: 52px 0 !important; }
    .section-header { margin-bottom: 30px !important; }
    .section-badge { font-size: 11px !important; padding: 5px 12px !important; letter-spacing: 1.2px !important; }
    .section-title { font-size: clamp(22px, 6.2vw, 30px) !important; line-height: 1.22 !important; letter-spacing: -0.4px !important; }
    .section-subtitle { font-size: 13.5px !important; line-height: 1.55 !important; }
    .calculator-card, .apply-card { padding: 24px 18px !important; border-radius: 22px !important; }
    .form-label { font-size: 12.5px !important; margin-bottom: 8px !important; }
    .form-input, .form-select { padding: 14px 14px !important; font-size: 15px !important; border-radius: 14px !important; }
    .term-selector { grid-template-columns: repeat(3, 1fr) !important; gap: 8px !important; }
    .term-btn { padding: 10px 6px !important; font-size: 13px !important; border-radius: 12px !important; }
    .method-switch { grid-template-columns: 1fr !important; gap: 10px !important; }
    .method-btn { padding: 12px 14px !important; font-size: 13.5px !important; }
    .phone-input-group { grid-template-columns: 92px 1fr !important; gap: 8px !important; }
    .result-card { padding: 22px 16px !important; border-radius: 22px !important; }
    .result-row { flex-direction: column !important; align-items: flex-start !important; gap: 4px !important; padding: 10px 0 !important; }
    .result-value.highlight { font-size: clamp(28px, 8.8vw, 40px) !important; }
    .btn-submit { padding: 16px 20px !important; font-size: 15.5px !important; border-radius: 20px !important; margin-top: 16px !important; }
    .modal { padding: 28px 18px 24px !important; border-radius: 22px !important; max-width: calc(100% - 20px) !important; }
    .flow-steps { gap: 10px !important; }
    .flow-step { flex-direction: column !important; align-items: flex-start !important; gap: 8px !important; padding: 14px 12px !important; }
    .flow-step-no { width: 30px !important; height: 30px !important; font-size: 13px !important; }
    .flow-step-title { font-size: 14px !important; }
    .flow-step-desc { font-size: 12.5px !important; }
    .modal-actions { flex-direction: column !important; gap: 10px !important; }
    .modal-actions .btn { width: 100% !important; padding: 13px 18px !important; font-size: 14.5px !important; border-radius: 16px !important; }
    .lang-switch { padding: 4px !important; }
    .lang-btn { padding: 6px 12px !important; font-size: 12px !important; }
    .footer { padding: 28px 0 22px !important; }
    .footer-brand { font-size: 16px !important; }
    .footer-desc { font-size: 12.5px !important; }
    .footer-copy { font-size: 11.5px !important; margin-top: 16px !important; padding-bottom: env(safe-area-inset-bottom, 0px) !important; }
}

/* -- 5. iPhone 15 Pro / 小米 13 / 中屏安卓 390px -- */
@media (max-width: 390px) {
    .navbar { width: calc(100% - 16px) !important; }
    .container { padding: 0 16px !important; }
    .hero { padding: 96px 0 52px !important; }
    .features { margin-top: 32px !important; gap: 12px !important; }
    .feature-card { padding: 20px 16px !important; }
    .section-title { font-size: clamp(21px, 6.5vw, 28px) !important; letter-spacing: -0.5px !important; }
    .calculator-card, .apply-card { padding: 22px 16px !important; }
    .form-input, .form-select { padding: 13px 13px !important; font-size: 14.5px !important; }
    .term-selector { grid-template-columns: repeat(3, 1fr) !important; gap: 7px !important; }
    .term-btn { padding: 9px 5px !important; font-size: 12.5px !important; }
    .method-btn { padding: 11px 13px !important; font-size: 13px !important; }
    .result-value.highlight { font-size: clamp(26px, 9vw, 36px) !important; }
    .btn-submit { padding: 15px 18px !important; font-size: 15px !important; }
    .modal { padding: 24px 16px 22px !important; }
    .flow-step-no { width: 28px !important; height: 28px !important; font-size: 12.5px !important; }
    .flow-step-title { font-size: 13.5px !important; }
    .flow-step-desc { font-size: 12px !important; }
}

/* -- 6. iPhone 14 / 13 / 12 标准版 375px -- */
@media (max-width: 375px) {
    .navbar { top: 8px !important; }
    .nav-inner { padding: 7px 10px 7px 8px !important; gap: 8px !important; }
    .nav-logo-icon { width: 36px !important; height: 36px !important; border-radius: 11px !important; font-size: 17px !important; }
    .hero { padding: 90px 0 48px !important; }
    .features { margin-top: 28px !important; gap: 11px !important; }
    .feature-card { padding: 18px 14px !important; border-radius: 20px !important; }
    .section-header { margin-bottom: 26px !important; }
    .section-title { font-size: clamp(20px, 6.8vw, 26px) !important; }
    .section-subtitle { font-size: 13px !important; }
    .calculator-section, .apply-section { padding: 48px 0 !important; }
    .calculator-card, .apply-card { padding: 20px 15px !important; border-radius: 20px !important; }
    .form-label { font-size: 12px !important; }
    .form-input, .form-select { padding: 12px 12px !important; font-size: 14px !important; border-radius: 13px !important; }
    .term-selector { grid-template-columns: repeat(3, 1fr) !important; gap: 6px !important; }
    .term-btn { padding: 9px 5px !important; font-size: 12px !important; border-radius: 11px !important; }
    .method-btn { padding: 10px 12px !important; font-size: 12.5px !important; }
    .phone-input-group { grid-template-columns: 86px 1fr !important; gap: 7px !important; }
    .result-value.highlight { font-size: clamp(25px, 9.4vw, 34px) !important; }
    .btn-submit { padding: 14px 16px !important; font-size: 14.5px !important; }
    .modal { padding: 22px 15px 20px !important; border-radius: 20px !important; }
    .flow-step { padding: 12px 10px !important; }
    .lang-switch { padding: 3px !important; }
    .lang-btn { padding: 6px 10px !important; font-size: 11.5px !important; }
    .footer { padding: 26px 0 20px !important; }
}

/* -- 7. iPhone SE 3rd / 小屏安卓 360px -- */
@media (max-width: 360px) {
    .navbar { width: calc(100% - 12px) !important; }
    .container { padding: 0 14px !important; }
    .hero { padding: 84px 0 44px !important; }
    .features { margin-top: 26px !important; gap: 10px !important; }
    .feature-card { padding: 16px 13px !important; border-radius: 18px !important; }
    .section-title { font-size: clamp(19px, 7vw, 24px) !important; line-height: 1.25 !important; }
    .section-subtitle { font-size: 12.5px !important; }
    .calculator-section, .apply-section { padding: 44px 0 !important; }
    .calculator-card, .apply-card { padding: 18px 14px !important; border-radius: 18px !important; }
    .form-input, .form-select { padding: 11.5px 11.5px !important; font-size: 13.5px !important; }
    .term-selector { grid-template-columns: repeat(2, 1fr) !important; gap: 7px !important; }
    .term-btn { padding: 9px 6px !important; font-size: 12px !important; }
    .method-btn { padding: 10px 11px !important; font-size: 12px !important; }
    .phone-input-group { grid-template-columns: 82px 1fr !important; gap: 6px !important; }
    .result-value.highlight { font-size: clamp(24px, 9.8vw, 32px) !important; letter-spacing: -0.3px !important; }
    .btn-submit { padding: 13px 15px !important; font-size: 14px !important; border-radius: 18px !important; }
    .modal { padding: 20px 14px 18px !important; border-radius: 18px !important; max-width: calc(100% - 16px) !important; }
    .flow-steps { gap: 8px !important; }
    .flow-step { padding: 10px 10px !important; }
    .flow-step-no { width: 26px !important; height: 26px !important; font-size: 12px !important; }
    .modal-actions .btn { padding: 12px 16px !important; font-size: 14px !important; }
    .lang-btn { padding: 5px 9px !important; font-size: 11.5px !important; }
}