:root{--ink:#172332;--muted:#5c6977;--line:#d9e2ea;--paper:#fff;--soft:#f1f7fb;--blue:#287fbd;--navy:#0d2239;--red:#bd3140;--green:#24755c;--gold:#d9aa35}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,"Microsoft YaHei",sans-serif;color:var(--ink);background:var(--paper);line-height:1.75;letter-spacing:0}
a{color:inherit}
.topbar{min-height:64px;border-bottom:1px solid var(--line);background:#fff}
.nav{width:min(1080px,calc(100% - 32px));min-height:64px;margin:auto;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{font-size:20px;font-weight:800}.navlinks{display:flex;gap:22px;color:var(--muted);font-size:14px}.navlinks a{text-decoration:none}
.hero{position:relative;min-height:560px;display:flex;align-items:center;overflow:hidden;background:#081c35 url("ub81-brand-visual-v2.png") center/cover no-repeat;color:#fff}
.hero:before{content:"";position:absolute;inset:0;background:rgba(5,20,39,.67)}
.hero-inner{position:relative;width:min(1080px,calc(100% - 32px));margin:auto;padding:64px 0}.hero-copy{max-width:720px}
.eyebrow{margin:0 0 10px;color:#88d2f1;font-weight:800}.hero h1{margin:0;font-size:48px;line-height:1.18}.lead{max-width:680px;margin:18px 0;color:#e3ebf3;font-size:18px}
.cta{display:inline-flex;align-items:center;justify-content:center;min-height:54px;padding:0 28px;border:0;border-radius:6px;background:var(--red);color:#fff;text-decoration:none;font-family:inherit;font-size:17px;font-weight:800;box-shadow:0 12px 28px rgba(0,0,0,.24);cursor:pointer}
.cta:focus-visible{outline:3px solid #fff;outline-offset:3px}.micro{max-width:650px;margin:12px 0 0;color:#cbd7e2;font-size:13px}
.quick-band{border-bottom:1px solid var(--line);background:#fff}.quick-row{width:min(1080px,calc(100% - 32px));margin:auto;display:grid;grid-template-columns:repeat(3,1fr)}
.quick-row div{padding:20px 24px;border-right:1px solid var(--line)}.quick-row div:last-child{border:0}.quick-row strong{display:block}.quick-row span{color:var(--muted);font-size:13px}
.section{padding:58px 16px}.section.soft{background:var(--soft)}.inner{width:min(960px,100%);margin:auto}.section h2{margin:0 0 12px;font-size:30px}.intro{max-width:760px;margin:0 0 28px;color:var(--muted)}
.after-grid{display:grid;grid-template-columns:1fr 1fr;gap:42px;align-items:center}.after-copy h3{margin:24px 0 6px;font-size:18px}.after-copy p{margin:0;color:var(--muted)}
.interface-figure{margin:0;overflow:hidden;border:1px solid var(--line);border-radius:6px;background:#dcecf7}.interface-figure img{display:block;width:100%;aspect-ratio:16/9;object-fit:cover;object-position:center 18%}.interface-figure figcaption{padding:10px 12px;background:#fff;color:var(--muted);font-size:12px}
.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;counter-reset:step}.step{position:relative;min-height:190px;padding:58px 18px 18px;border:1px solid var(--line);border-radius:6px;background:#fff}.step:before{counter-increment:step;content:counter(step);position:absolute;top:16px;left:18px;width:30px;height:30px;display:grid;place-items:center;border-radius:50%;background:var(--blue);color:#fff;font-weight:800}.step strong{display:block;margin-bottom:7px}.step p{margin:0;color:var(--muted);font-size:14px}
.guidance{display:grid;grid-template-columns:1fr 1fr;gap:1px;border:1px solid var(--line);background:var(--line)}.guidance article{padding:24px;background:#fff}.guidance h3{margin:0 0 8px;font-size:19px}.guidance p{margin:0;color:var(--muted)}
.claim-note{padding:20px 22px;border-left:4px solid var(--gold);background:#fff8e6;color:#5c4a20}.claim-note p{margin:0}.query-note{margin-top:20px;color:var(--muted);font-size:14px}
.faq{display:grid;gap:0}.faq details{border-top:1px solid var(--line)}.faq details:last-child{border-bottom:1px solid var(--line)}.faq summary{padding:17px 0;cursor:pointer;font-weight:800}.faq p{margin:0;padding:0 0 17px;color:var(--muted)}
.boundary{margin-top:24px;padding:16px 18px;border-left:4px solid var(--green);background:#edf8f4;color:#315b4d;font-size:13px}.footer{padding:30px 16px;text-align:center;background:var(--navy);color:#cbd6e0;font-size:12px}
.benefit-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.benefit{min-height:220px;padding:26px 22px;border:1px solid var(--line);border-top:4px solid var(--blue);border-radius:6px;background:#fff}.benefit:nth-child(2){border-top-color:var(--gold)}.benefit:nth-child(3){border-top-color:var(--green)}.benefit-mark{width:38px;height:38px;display:grid;place-items:center;margin-bottom:20px;border-radius:50%;background:var(--soft);color:var(--blue);font-weight:900}.benefit h3{margin:0 0 9px;font-size:21px}.benefit p{margin:0;color:var(--muted)}
.experience-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:42px;align-items:center}.category-list{display:flex;flex-wrap:wrap;gap:9px;margin:24px 0 0}.category-list span{padding:7px 12px;border:1px solid #bdd5e5;border-radius:999px;background:#fff;color:#285873;font-size:14px;font-weight:700}
.promo-band{padding:58px 16px;background:var(--navy);color:#fff}.promo-inner{width:min(960px,100%);margin:auto;display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}.promo-band h2{margin:0 0 12px;font-size:30px}.promo-band p{margin:0;color:#ccdae7}.promo-points{display:grid;gap:1px;background:rgba(255,255,255,.15)}.promo-points div{padding:16px 18px;background:#142f4b}.promo-points strong{display:block}.promo-points span{color:#bfcddd;font-size:13px}
.reassurance{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.reassurance div{position:relative;padding-left:46px}.reassurance b{position:absolute;left:0;top:0;width:30px;height:30px;display:grid;place-items:center;border-radius:50%;background:var(--blue);color:#fff}.reassurance strong{display:block;margin-bottom:5px}.reassurance p{margin:0;color:var(--muted);font-size:14px}
.return-link{display:inline-flex;margin-top:24px;color:var(--red);font-weight:800;text-decoration:none}.return-link:after{content:" ↑";margin-left:6px}
@media(max-width:820px){.navlinks{display:none}.hero{min-height:690px;background-position:58% center}.hero-inner{padding:52px 0}.hero h1{font-size:36px}.lead{font-size:17px}.quick-row{grid-template-columns:1fr}.quick-row div{border-right:0;border-bottom:1px solid var(--line);padding:14px 4px}.quick-row div:last-child{border-bottom:0}.section{padding:42px 16px}.after-grid,.guidance{grid-template-columns:1fr}.steps{grid-template-columns:1fr 1fr}.step{min-height:170px}}
@media(max-width:820px){.benefit-grid,.experience-grid,.promo-inner,.reassurance{grid-template-columns:1fr}.benefit{min-height:0}.promo-inner{gap:28px}.reassurance{gap:26px}}
@media(max-width:520px){.hero{min-height:720px}.hero h1{font-size:34px}.cta{width:100%;padding:0 16px}.steps{grid-template-columns:1fr}.step{min-height:0}.section h2,.promo-band h2{font-size:26px}.interface-figure img{aspect-ratio:1.5/1}}