:root {
  --teal: #06857f;
  --teal-deep: #04605c;
  --red: #d7262e;
  --red-deep: #a8161d;
  --gold: #f3ba2f;
  --cap: #2f5a2b;
  --ink: #12302e;
  --paper: #ffffff;
  --mist: #e6f3f1;
  --sans: "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "Noto Sans CJK SC", system-ui, -apple-system, "Segoe UI", sans-serif;
  --round: "Arial Rounded MT Bold", "PingFang SC", "Microsoft YaHei", system-ui, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  color: var(--paper);
  background: var(--teal);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
a { color: inherit; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 6px; }
.num { font-variant-numeric: tabular-nums; font-family: var(--round); }

.skip { position: absolute; left: -999px; top: 8px; background: var(--gold); color: var(--ink); padding: 8px 14px; border-radius: 8px; z-index: 50; }
.skip:focus { left: 8px; }

/* header */
.top {
  position: sticky; top: 0; z-index: 20;
  display: flex; align-items: center; gap: 24px;
  padding: 12px clamp(16px, 4vw, 48px);
  background: rgba(4, 96, 92, .92);
  backdrop-filter: blur(8px);
}
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; font-weight: 800; font-size: 19px; }
.brand img { border-radius: 50%; background: var(--paper); }
.nav { display: flex; align-items: center; gap: 22px; margin-left: auto; font-size: 15px; }
.nav a { text-decoration: none; opacity: .88; }
.nav a:hover { opacity: 1; text-decoration: underline; text-underline-offset: 4px; }
.nav .x { display: inline-flex; align-items: center; gap: 6px; padding: 6px 12px; border-radius: 999px; background: var(--ink); opacity: 1; }
.nav .x svg { width: 15px; height: 15px; fill: currentColor; }
.tools { display: flex; align-items: center; gap: 8px; }
.lang {
  width: 40px; height: 40px; border-radius: 50%;
  border: 2px solid var(--paper); background: transparent; color: var(--paper);
  font: 700 16px var(--sans); cursor: pointer;
}
.lang:hover { background: var(--paper); color: var(--teal-deep); }
.menu { display: none; width: 40px; height: 40px; border: 0; background: transparent; cursor: pointer; padding: 10px 8px; }
.menu span { display: block; height: 2px; background: var(--paper); margin: 4px 0; border-radius: 2px; }

/* hero */
.hero {
  display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(0, 1fr);
  gap: clamp(28px, 5vw, 72px); align-items: center;
  max-width: 1240px; margin: 0 auto;
  padding: clamp(32px, 6vw, 80px) clamp(16px, 4vw, 48px) clamp(48px, 7vw, 96px);
}
h1 {
  margin: 0; font-family: var(--round);
  font-size: clamp(38px, 5.6vw, 72px); line-height: 1.12; letter-spacing: -.01em;
  max-width: 13ch;
}
html[lang="en"] h1 { max-width: 18ch; font-size: clamp(34px, 4.2vw, 58px); }
.lede { font-size: clamp(17px, 1.5vw, 20px); max-width: 34em; margin: 20px 0 28px; color: var(--mist); }

.steps { list-style: none; counter-reset: s; margin: 0 0 30px; padding: 0; display: grid; gap: 10px; max-width: 34em; }
.steps li {
  counter-increment: s; display: grid; grid-template-columns: 40px 1fr; column-gap: 14px; align-items: center;
}
.steps li::before {
  content: counter(s); grid-row: span 2;
  width: 40px; height: 40px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--gold); color: var(--ink); font: 800 19px var(--round);
}
.steps b { font-size: 18px; }
.steps span { color: var(--mist); font-size: 15px; }

.cta { display: flex; flex-wrap: wrap; gap: 12px; }
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  min-height: 54px; padding: 0 26px; border-radius: 14px;
  font: 800 17px var(--sans); text-decoration: none; cursor: pointer; border: 0;
}
.btn.primary { background: var(--red); color: var(--paper); box-shadow: 0 5px 0 var(--red-deep); }
.btn.primary:disabled { cursor: not-allowed; }
.btn[hidden] { display: none; }
.btn.ghost { background: transparent; color: var(--paper); border: 2px solid var(--paper); }
.btn.ghost:hover { background: var(--paper); color: var(--teal-deep); }

.ca {
  margin-top: 18px; max-width: 34em;
  display: grid; grid-template-columns: auto 1fr auto; align-items: center; gap: 4px 12px;
  padding: 10px 12px 10px 16px; border-radius: 14px; background: var(--ink);
}
.ca[hidden] { display: none; }
.ca-label { font-size: 13px; color: var(--mist); }
.ca code { font: 600 14px/1.4 ui-monospace, Menlo, monospace; color: var(--gold); word-break: break-all; }
.ca-copy { border: 0; border-radius: 10px; padding: 8px 14px; background: var(--gold); color: var(--ink); font: 800 14px var(--sans); cursor: pointer; }
@media (max-width: 560px) { .ca { grid-template-columns: 1fr auto; } .ca-label { grid-column: 1 / -1; } }

/* pension card */
.card-wrap { display: grid; gap: 18px; }
.card {
  position: relative; overflow: hidden;
  aspect-ratio: 1.586; width: 100%; max-width: 560px; justify-self: center;
  padding: clamp(16px, 3vw, 26px);
  border-radius: 22px;
  background:
    radial-gradient(120% 90% at 100% 0%, rgba(255,255,255,.18), transparent 55%),
    linear-gradient(135deg, var(--red) 0%, var(--red-deep) 100%);
  box-shadow: 0 22px 40px rgba(2, 40, 38, .45);
  display: grid; grid-template-rows: auto 1fr auto;
  transform: rotate(-2deg);
}
.card-head { display: flex; justify-content: space-between; align-items: center; }
.card-title { font-weight: 800; font-size: clamp(15px, 2vw, 20px); letter-spacing: .04em; }
.chip { width: clamp(40px, 6vw, 58px); fill: var(--gold); }
.card-body { display: flex; align-items: center; gap: clamp(14px, 3vw, 26px); }
.photo {
  width: clamp(84px, 13vw, 132px); height: auto; aspect-ratio: 1;
  border-radius: 14px; border: 4px solid var(--paper); background: var(--paper); object-fit: cover;
}
.card-body dl { margin: 0; display: grid; gap: 6px; }
.card-body dt { font-size: 13px; opacity: .85; }
.card-body dd { margin: 0; font-size: clamp(18px, 2.4vw, 24px); color: var(--gold); }
.card-body dd.big { font-size: clamp(40px, 6.4vw, 66px); line-height: 1; color: var(--paper); }
.card-foot { font-size: 13px; opacity: .85; }
.seal {
  position: absolute; right: 7%; bottom: 10%;
  width: 92px; height: 92px; border-radius: 50%;
  border: 3px solid rgba(243, 186, 47, .75); color: rgba(243, 186, 47, .85);
  display: grid; place-items: center; font: 800 15px var(--round);
  transform: rotate(-16deg);
}

/* payment record */
.record { background: var(--paper); color: var(--ink); border-radius: 18px; padding: 18px 20px 16px; max-width: 560px; width: 100%; justify-self: center; }
.rec-h { margin: 0 0 12px; font-weight: 800; }
.cells { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(18, 1fr); gap: 4px; }
.cells li { aspect-ratio: .7; border-radius: 6px; position: relative; }
.cells li.pay { background: var(--red); }
.cells li.get { background: var(--gold); }
.cells li.now { outline: 3px solid var(--ink); outline-offset: 2px; }
.cells li.now::after {
  content: ""; position: absolute; inset: 0; border-radius: 6px;
  background: rgba(255,255,255,.55); transform-origin: left;
  transform: scaleX(var(--p, 0));
}
.rec-sum { margin: 14px 0 4px; font-size: 15px; display: flex; flex-wrap: wrap; align-items: baseline; gap: 6px; }
.rec-sum b { font-size: 22px; color: var(--red); }
.rec-sum .sep { width: 18px; }
.legend { margin: 0; font-size: 13px; color: #4b6664; display: flex; align-items: center; gap: 6px; }
.legend .k { width: 12px; height: 12px; border-radius: 3px; display: inline-block; }
.legend .k.pay { background: var(--red); }
.legend .k.get { background: var(--gold); margin-left: 10px; }

/* sections */
.block { max-width: 1240px; margin: 0 auto; padding: clamp(48px, 7vw, 88px) clamp(16px, 4vw, 48px); }
.block h2 { font-family: var(--round); font-size: clamp(30px, 3.6vw, 44px); line-height: 1.2; margin: 0 0 28px; }
#rules { background: var(--paper); color: var(--ink); max-width: none; }
#rules > * { max-width: 1144px; margin-left: auto; margin-right: auto; }
.rules dl { margin: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); column-gap: 48px; }
.rules dl > div { display: grid; grid-template-columns: 7.5em 1fr; gap: 16px; padding: 16px 0; border-top: 2px solid var(--mist); }
html[lang="en"] .rules dl > div { grid-template-columns: 9.5em 1fr; }
.rules dt { font-weight: 800; color: var(--red); }
.rules dd { margin: 0; max-width: 36em; }

.flow-art { width: 100%; height: auto; border-radius: 20px; margin-bottom: 32px; }
.flows { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: clamp(20px, 3vw, 40px); }
.flow h3 { margin: 0 0 8px; font-size: 21px; color: var(--gold); }
.flow p { margin: 0; color: var(--mist); max-width: 32em; }

.risk { background: var(--ink); max-width: none; }
.risk > * { max-width: 860px; margin-left: auto; margin-right: auto; }
.risks { margin: 0 auto; padding: 0 0 0 1.2em; display: grid; gap: 16px; font-size: 17px; }
.risks li::marker { color: var(--gold); }

.foot {
  display: flex; align-items: center; justify-content: center; gap: 12px; flex-wrap: wrap;
  padding: 28px 16px 36px; background: var(--teal-deep); font-weight: 700;
}
.foot img { border-radius: 50%; background: var(--paper); }
.foot a { margin-left: 8px; }

/* mobile */
@media (max-width: 900px) {
  .hero { grid-template-columns: 1fr; }
  .flows { grid-template-columns: 1fr; }
  .card { transform: none; }
}
@media (max-width: 760px) {
  .menu { display: block; }
  .nav {
    display: none; position: absolute; left: 0; right: 0; top: 100%;
    flex-direction: column; align-items: stretch; gap: 0;
    background: var(--teal-deep); padding: 8px 16px 18px; font-size: 17px;
  }
  .nav.open { display: flex; }
  .nav a { padding: 12px 0; border-bottom: 1px solid rgba(255,255,255,.12); }
  .nav .x { justify-content: center; margin-top: 12px; padding: 12px; border: 0; }
  .brand span { font-size: 17px; }
  .rules dl > div, html[lang="en"] .rules dl > div { grid-template-columns: 1fr; gap: 4px; }
  .seal { width: 64px; height: 64px; font-size: 12px; }
  .cells { gap: 3px; }
  .cells li { border-radius: 4px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}