/* =========================================================
   贷款融资落地页样式 - 金融权威风
   配色：深海军蓝 #0a2540 / 金色 #c8a560 / 浅底 #f5f7fb
   适配：PC / 平板 / 移动
   ========================================================= */

:root{
  --c-bg:#f5f7fb;
  --c-primary:#0a2540;
  --c-primary-2:#133869;
  --c-gold:#c8a560;
  --c-gold-2:#e0c184;
  --c-text:#1a2b4a;
  --c-text-light:#5a6b8a;
  --c-border:#e2e8f2;
  --c-white:#fff;
  --c-danger:#e23b3b;
  --c-success:#1aa260;
  --shadow:0 8px 30px rgba(10,37,64,.08);
  --shadow-lg:0 20px 50px rgba(10,37,64,.15);
  --radius:14px;
}

*{box-sizing:border-box;margin:0;padding:0}
html,body{height:100%}
html{font-size:16px;-webkit-text-size-adjust:100%}
body{
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI","PingFang SC","Hiragino Sans GB","Microsoft YaHei","Helvetica Neue",Arial,sans-serif;
  background:var(--c-bg);
  color:var(--c-text);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul,ol{list-style:none}

.container{max-width:1200px;margin:0 auto;padding:0 20px}

/* ===== 顶部导航 ===== */
.topbar{
  background:rgba(10,37,64,.96);
  backdrop-filter:blur(8px);
  color:#fff;
  font-size:13px;
  height:36px;
  display:flex;
  align-items:center;
}
.topbar .container{display:flex;justify-content:space-between;align-items:center}
.topbar .top-info{display:flex;gap:24px;color:#cbd5e1}
.topbar .top-info span:before{content:"";display:inline-block;width:6px;height:6px;border-radius:50%;background:var(--c-gold);margin-right:6px;vertical-align:middle}
.topbar .top-tel{color:var(--c-gold);font-weight:600;letter-spacing:.5px}

/* ===== 头部 Logo 区 ===== */
.header{
  background:#fff;
  border-bottom:3px solid var(--c-gold);
  position:sticky;top:0;z-index:100;
  box-shadow:0 2px 10px rgba(10,37,64,.04);
}
.header .container{display:flex;justify-content:space-between;align-items:center;padding-top:14px;padding-bottom:14px}
.brand{display:flex;align-items:center;gap:12px}
.brand-logo{
  width:46px;height:46px;border-radius:10px;
  background:linear-gradient(135deg,var(--c-primary),var(--c-primary-2));
  display:flex;align-items:center;justify-content:center;
  color:var(--c-gold);font-size:22px;font-weight:800;
  box-shadow:0 4px 12px rgba(10,37,64,.18);
}
.brand-text .name{font-size:20px;font-weight:700;color:var(--c-primary);letter-spacing:1px}
.brand-text .sub{font-size:12px;color:var(--c-text-light);letter-spacing:1px}
.header .btn-tel{
  color:var(--c-primary);font-weight:700;font-size:22px;
  display:flex;align-items:center;gap:8px;
}
.header .btn-tel:before{
  content:"☎";width:34px;height:34px;border-radius:50%;
  background:var(--c-gold);color:#fff;display:flex;
  align-items:center;justify-content:center;font-size:16px;
}

/* ===== Hero 区 ===== */
.hero{
  position:relative;
  background:
    radial-gradient(circle at 80% 20%, rgba(200,165,96,.18), transparent 40%),
    radial-gradient(circle at 20% 80%, rgba(19,56,105,.45), transparent 50%),
    linear-gradient(135deg,#0a2540 0%,#133869 100%);
  color:#fff;
  padding:64px 0 80px;
  overflow:hidden;
}
.hero:before{
  content:"";position:absolute;inset:0;
  background-image:
    linear-gradient(rgba(255,255,255,.03) 1px,transparent 1px),
    linear-gradient(90deg,rgba(255,255,255,.03) 1px,transparent 1px);
  background-size:40px 40px;
  pointer-events:none;
}
.hero .container{position:relative;z-index:1;display:grid;grid-template-columns:1.1fr 1fr;gap:40px;align-items:center}
.hero-text .tag{
  display:inline-block;padding:6px 14px;border-radius:20px;
  background:rgba(200,165,96,.15);border:1px solid rgba(200,165,96,.5);
  color:var(--c-gold);font-size:13px;font-weight:600;letter-spacing:1px;margin-bottom:18px;
}
.hero-text h1{font-size:44px;line-height:1.2;font-weight:800;letter-spacing:1px;margin-bottom:18px}
.hero-text h1 .gold{color:var(--c-gold)}
.hero-text .desc{font-size:16px;color:#cbd5e1;margin-bottom:24px;max-width:520px}
.hero-stats{display:flex;gap:32px;margin-top:28px;flex-wrap:wrap}
.hero-stats .stat-item{padding-left:14px;border-left:2px solid var(--c-gold)}
.hero-stats .num{font-size:30px;font-weight:800;color:var(--c-gold);line-height:1}
.hero-stats .lbl{font-size:12px;color:#cbd5e1;margin-top:6px;letter-spacing:1px}

/* ===== 申请表单卡片 ===== */
.hero-form-wrap{display:flex;justify-content:flex-end}
.apply-card{
  background:#fff;border-radius:var(--radius);
  box-shadow:var(--shadow-lg);overflow:hidden;
  width:100%;max-width:440px;
}
.apply-card .card-head{
  background:linear-gradient(90deg,var(--c-primary),var(--c-primary-2));
  color:#fff;padding:18px 24px;text-align:center;
}
.apply-card .card-head h2{font-size:20px;font-weight:700;letter-spacing:1px}
.apply-card .card-head p{font-size:12px;color:#cbd5e1;margin-top:4px}
.apply-card .card-body{padding:24px}

.form-row{display:flex;gap:12px}
.form-row > *{flex:1}
.form-field{margin-bottom:14px}
.form-field .lbl{display:block;font-size:13px;color:var(--c-text-light);margin-bottom:6px;font-weight:600}
.form-field .lbl .req{color:var(--c-danger);margin-left:2px}
.form-field input,
.form-field select,
.form-field textarea{
  width:100%;height:42px;padding:0 12px;
  border:1.5px solid var(--c-border);border-radius:8px;
  font-size:14px;color:var(--c-text);background:#fff;
  transition:all .18s ease;font-family:inherit;
  outline:none;
}
.form-field textarea{height:auto;padding:10px 12px;resize:vertical;min-height:80px}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus{
  border-color:var(--c-primary);
  box-shadow:0 0 0 3px rgba(10,37,64,.08);
}
.form-field .input-group{display:flex;align-items:center;gap:8px}
.form-field .input-group .prefix{
  height:42px;padding:0 12px;
  background:var(--c-bg);border:1.5px solid var(--c-border);
  border-right:none;border-radius:8px 0 0 8px;
  display:flex;align-items:center;color:var(--c-text-light);
  font-weight:600;
}
.form-field .input-group input{border-radius:0 8px 8px 0}

.btn-submit{
  width:100%;height:48px;border:none;border-radius:8px;
  background:linear-gradient(135deg,var(--c-gold),var(--c-gold-2));
  color:#fff;font-size:16px;font-weight:700;letter-spacing:2px;
  cursor:pointer;transition:all .2s ease;
  box-shadow:0 6px 20px rgba(200,165,96,.35);
}
.btn-submit:hover{transform:translateY(-1px);box-shadow:0 10px 26px rgba(200,165,96,.5)}
.btn-submit:disabled{opacity:.7;cursor:wait;transform:none}
.form-tips{font-size:12px;color:var(--c-text-light);text-align:center;margin-top:10px;line-height:1.5}
.form-tips a{color:var(--c-primary);font-weight:600;border-bottom:1px dashed currentColor}
.form-success,.form-error{
  padding:14px 16px;border-radius:8px;font-size:14px;
  margin-bottom:14px;display:none;
}
.form-success{background:#e7f7ee;border:1px solid #b7e6cf;color:var(--c-success)}
.form-error{background:#fdeaea;border:1px solid #f5c6c6;color:var(--c-danger)}
.form-success.show,.form-error.show{display:block}
.privacy{font-size:11px;color:var(--c-text-light);text-align:center;margin-top:14px;padding-top:14px;border-top:1px dashed var(--c-border)}

/* ===== 优势区 ===== */
.section{padding:64px 0}
.section-title{text-align:center;margin-bottom:42px}
.section-title .tag{
  display:inline-block;color:var(--c-gold);font-size:13px;letter-spacing:3px;
  font-weight:600;margin-bottom:8px;text-transform:uppercase;
}
.section-title h2{font-size:30px;color:var(--c-primary);font-weight:800;letter-spacing:1px}
.section-title .sub{color:var(--c-text-light);margin-top:8px;font-size:14px}

.adv-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.adv-card{
  background:#fff;border-radius:var(--radius);padding:28px 22px;
  box-shadow:var(--shadow);transition:all .25s ease;
  border:1px solid var(--c-border);position:relative;overflow:hidden;
}
.adv-card:before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:var(--c-gold);transform:scaleX(0);transform-origin:left;transition:transform .3s}
.adv-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.adv-card:hover:before{transform:scaleX(1)}
.adv-icon{
  width:54px;height:54px;border-radius:12px;
  background:linear-gradient(135deg,rgba(10,37,64,.06),rgba(200,165,96,.1));
  display:flex;align-items:center;justify-content:center;
  color:var(--c-primary);font-size:24px;margin-bottom:14px;
  border:1px solid rgba(10,37,64,.08);
}
.adv-card h3{font-size:17px;color:var(--c-primary);font-weight:700;margin-bottom:8px}
.adv-card p{font-size:13px;color:var(--c-text-light);line-height:1.7}

/* ===== 贷款类型区 ===== */
.loan-types{background:#fff}
.types-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.type-card{
  border-radius:var(--radius);overflow:hidden;
  background:linear-gradient(135deg,#0a2540,#133869);
  color:#fff;padding:28px;position:relative;
  transition:all .25s ease;cursor:pointer;
  box-shadow:var(--shadow);
}
.type-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.type-card .icon{
  width:50px;height:50px;border-radius:10px;
  background:rgba(200,165,96,.2);color:var(--c-gold);
  display:flex;align-items:center;justify-content:center;font-size:22px;
  margin-bottom:16px;
}
.type-card h3{font-size:19px;font-weight:700;margin-bottom:6px;letter-spacing:1px}
.type-card .rate{font-size:13px;color:var(--c-gold);margin-bottom:10px;font-weight:600}
.type-card .desc{font-size:13px;color:#cbd5e1;line-height:1.6}
.type-card .feat{margin-top:14px;display:flex;flex-wrap:wrap;gap:6px}
.type-card .feat span{
  font-size:11px;padding:3px 9px;border-radius:10px;
  background:rgba(255,255,255,.1);color:#e2e8f2;
}

/* ===== 流程区 ===== */
.flow-section{background:linear-gradient(180deg,#f5f7fb,#fff)}
.flow-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;position:relative}
.flow-item{text-align:center;position:relative}
.flow-num{
  width:64px;height:64px;border-radius:50%;
  background:#fff;border:2px solid var(--c-gold);
  color:var(--c-primary);font-size:24px;font-weight:800;
  display:flex;align-items:center;justify-content:center;
  margin:0 auto 14px;position:relative;z-index:2;
  box-shadow:0 6px 20px rgba(200,165,96,.18);
}
.flow-item:not(:last-child):after{
  content:"";position:absolute;top:32px;left:60%;right:-40%;
  height:2px;background:repeating-linear-gradient(90deg,var(--c-gold) 0 8px,transparent 8px 16px);
  z-index:1;
}
.flow-item h4{font-size:16px;color:var(--c-primary);font-weight:700;margin-bottom:6px}
.flow-item p{font-size:13px;color:var(--c-text-light)}

/* ===== 资质/合作伙伴 ===== */
.trust-section{padding:50px 0;background:var(--c-primary);color:#fff}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:30px;text-align:center}
.trust-grid .num{font-size:36px;font-weight:800;color:var(--c-gold)}
.trust-grid .lbl{font-size:13px;color:#cbd5e1;margin-top:6px;letter-spacing:1px}

/* ===== FAQ ===== */
.faq-list{max-width:820px;margin:0 auto}
.faq-item{
  background:#fff;border:1px solid var(--c-border);border-radius:10px;
  margin-bottom:12px;overflow:hidden;
}
.faq-q{
  padding:16px 22px;font-weight:600;color:var(--c-primary);cursor:pointer;
  display:flex;justify-content:space-between;align-items:center;
  font-size:15px;transition:background .2s;
}
.faq-q:hover{background:#f8fafc}
.faq-q .ico{color:var(--c-gold);font-size:18px;transition:transform .25s}
.faq-item.open .faq-q .ico{transform:rotate(45deg)}
.faq-a{
  max-height:0;overflow:hidden;transition:max-height .3s ease;
  color:var(--c-text-light);font-size:14px;line-height:1.7;
}
.faq-item.open .faq-a{max-height:300px;padding:0 22px 16px}

/* ===== 底部 CTA ===== */
.cta-section{
  background:linear-gradient(135deg,var(--c-gold),var(--c-gold-2));
  color:#fff;text-align:center;padding:48px 0;
}
.cta-section h2{font-size:28px;font-weight:800;letter-spacing:2px;margin-bottom:8px}
.cta-section p{font-size:14px;opacity:.9;margin-bottom:24px}
.cta-btn{
  display:inline-block;padding:14px 38px;background:#fff;
  color:var(--c-primary);border-radius:30px;font-weight:700;
  font-size:16px;letter-spacing:1px;box-shadow:0 6px 20px rgba(0,0,0,.15);
  transition:all .2s;
}
.cta-btn:hover{transform:translateY(-2px);box-shadow:0 10px 30px rgba(0,0,0,.25)}

/* ===== 页脚 ===== */
.footer{background:#0a1a30;color:#7a8aa8;padding:36px 0;font-size:13px}
.footer .container{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px}
.footer .links{display:flex;gap:18px}
.footer .links a:hover{color:var(--c-gold)}
.footer .copyright{text-align:center;color:#5a6b8a;font-size:12px;line-height:1.7}

/* ===== 浮动按钮 ===== */
.float-actions{position:fixed;right:14px;bottom:80px;z-index:90;display:flex;flex-direction:column;gap:10px}
.float-actions a{
  width:50px;height:50px;border-radius:50%;
  background:var(--c-primary);color:#fff;
  display:flex;align-items:center;justify-content:center;
  font-size:20px;box-shadow:0 6px 18px rgba(10,37,64,.3);
  transition:all .2s;
}
.float-actions a:hover{background:var(--c-gold);transform:scale(1.05)}
.float-actions .tel-pulse{position:relative;background:var(--c-gold)}
.float-actions .tel-pulse:before{
  content:"";position:absolute;inset:0;border-radius:50%;
  border:2px solid var(--c-gold);
  animation:pulse 1.8s ease-out infinite;
}
@keyframes pulse{0%{transform:scale(1);opacity:1}100%{transform:scale(1.8);opacity:0}}

/* ===== 响应式：平板 ===== */
@media (max-width:980px){
  .hero{padding:48px 0 60px}
  .hero .container{grid-template-columns:1fr;gap:30px}
  .hero-text{text-align:center}
  .hero-text h1{font-size:32px}
  .hero-form-wrap{justify-content:center}
  .hero-stats{justify-content:center}
  .adv-grid{grid-template-columns:repeat(2,1fr)}
  .types-grid{grid-template-columns:repeat(2,1fr)}
  .flow-grid{grid-template-columns:repeat(2,1fr);gap:30px}
  .flow-item:nth-child(2n):after{display:none}
  .trust-grid{grid-template-columns:repeat(2,1fr);gap:24px}
  .section-title h2{font-size:24px}
}

/* ===== 响应式：手机 ===== */
@media (max-width:600px){
  .topbar{font-size:12px;height:auto;padding:6px 0}
  .topbar .container{flex-direction:column;gap:4px}
  .header .container{flex-wrap:wrap;gap:10px}
  .header .btn-tel{font-size:18px}
  .hero-text h1{font-size:26px}
  .hero-text .desc{font-size:14px}
  .hero-stats{gap:18px}
  .hero-stats .num{font-size:24px}
  .apply-card .card-body{padding:18px}
  .form-row{flex-direction:column;gap:0}
  .section{padding:42px 0}
  .adv-grid{grid-template-columns:1fr;gap:14px}
  .types-grid{grid-template-columns:1fr}
  .flow-grid{grid-template-columns:1fr;gap:26px}
  .flow-item:after{display:none}
  .trust-grid{grid-template-columns:repeat(2,1fr)}
  .cta-section h2{font-size:22px}
  .footer .container{flex-direction:column;text-align:center}
  .float-actions{right:10px;bottom:60px}
  .float-actions a{width:44px;height:44px;font-size:18px}
}