/* ============================================
   银雁金融 · 用户端全局鎏金主题样式 V3.0.0
   深色极简风 + 鎏金渐变动态玻璃拟态
   自适应：PC双栏 + H5单列，统一底部导航
   ============================================ */

:root {
  --bg-deep: #080812;
  --bg-card: rgba(255, 255, 255, 0.03);
  --bg-card-hover: rgba(255, 255, 255, 0.06);
  --bg-input: rgba(255, 255, 255, 0.05);
  --bg-overlay: rgba(0, 0, 0, 0.6);
  --gold-main: #C9A44B;
  --gold-light: #E2BB60;
  --gold-dark: #8C6424;
  --gold-text: #D4AF37;
  --gold-gradient: linear-gradient(135deg, #8C6424, #E2BB60, #FFDD86);
  --gold-border: rgba(201, 164, 75, 0.3);
  --color-A: #E53E3E;
  --color-B: #D69E2E;
  --color-C: #DD6B20;
  --color-D: #38A169;
  --color-F: #1A1A1A;
  --text-primary: #E8EDF5;
  --text-secondary: rgba(255, 255, 255, 0.6);
  --text-muted: rgba(255, 255, 255, 0.35);
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-xl: 20px;
  --shadow-card: 0 8px 32px rgba(0, 0, 0, 0.3);
  --shadow-gold: 0 4px 20px rgba(201, 164, 75, 0.15);
  --transition-fast: 0.2s ease;
  --transition-normal: 0.3s ease;
}

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { font-size: 16px; -webkit-text-size-adjust: 100%; }
body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;
  background: var(--bg-deep); color: var(--text-primary); min-height: 100vh; line-height: 1.6; -webkit-font-smoothing: antialiased;
}
a { color: var(--gold-text); text-decoration: none; transition: color var(--transition-fast); }
a:hover { color: var(--gold-light); }

.gold-card {
  background: var(--bg-card); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px);
  border: 1px solid var(--gold-border); border-radius: var(--radius-lg); padding: 24px;
  position: relative; overflow: hidden; transition: transform var(--transition-normal), box-shadow var(--transition-normal);
}
.gold-card::before {
  content: ''; position: absolute; top: -50%; left: -50%; width: 200%; height: 200%;
  background: conic-gradient(from 0deg, transparent 0deg, rgba(201,164,75,0.06) 90deg, transparent 180deg, rgba(201,164,75,0.06) 270deg, transparent 360deg);
  animation: goldShimmer 8s linear infinite; pointer-events: none;
}
.gold-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-gold), var(--shadow-card); }
.gold-card:hover::before { animation-duration: 4s; }
@keyframes goldShimmer { from { transform: rotate(0deg); } to { transform: rotate(360deg); } }

.text-gold { background: var(--gold-gradient); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; font-weight: 700; }

.gold-btn {
  display: inline-flex; align-items: center; justify-content: center; padding: 12px 28px;
  background: var(--gold-gradient); border: none; border-radius: var(--radius-md);
  color: #1a1a1a; font-size: 15px; font-weight: 600; cursor: pointer;
  transition: all var(--transition-normal); letter-spacing: 0.5px; position: relative; overflow: hidden;
}
.gold-btn:hover { box-shadow: 0 6px 24px rgba(201,164,75,0.35); transform: translateY(-1px); }
.gold-btn:active { transform: translateY(0); }
.gold-btn:disabled { opacity: 0.4; cursor: not-allowed; transform: none; box-shadow: none; }
.gold-btn-outline { background: transparent; border: 1px solid var(--gold-border); color: var(--gold-text); }
.gold-btn-outline:hover { background: rgba(201,164,75,0.1); }
.gold-btn-sm { padding: 8px 16px; font-size: 13px; border-radius: var(--radius-sm); }

.gold-input {
  width: 100%; padding: 14px 16px; background: var(--bg-input); border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md); color: var(--text-primary); font-size: 15px; outline: none; transition: all var(--transition-normal);
}
.gold-input:focus { border-color: var(--gold-border); background: rgba(255,255,255,0.08); box-shadow: 0 0 0 3px rgba(201,164,75,0.1); }
.gold-input::placeholder { color: var(--text-muted); }

.state-tag { display: inline-block; padding: 3px 10px; border-radius: 20px; font-size: 12px; font-weight: 600; letter-spacing: 0.5px; }
.state-tag-A { background: rgba(229,62,62,0.15); color: var(--color-A); border: 1px solid rgba(229,62,62,0.3); }
.state-tag-B { background: rgba(214,158,46,0.15); color: var(--color-B); border: 1px solid rgba(214,158,46,0.3); }
.state-tag-C { background: rgba(221,107,32,0.15); color: var(--color-C); border: 1px solid rgba(221,107,32,0.3); }
.state-tag-D { background: rgba(56,161,105,0.15); color: var(--color-D); border: 1px solid rgba(56,161,105,0.3); }
.state-tag-F { background: rgba(229,62,62,0.2); color: var(--color-A); border: 1px solid rgba(229,62,62,0.5); }

.toast {
  position: fixed; top: 20px; left: 50%; transform: translateX(-50%); padding: 12px 24px;
  border-radius: var(--radius-sm); color: #fff; font-size: 14px; z-index: 10000;
  animation: slideDown 0.3s ease; max-width: 90%; text-align: center; backdrop-filter: blur(10px);
}
.toast.success { background: rgba(56,161,105,0.9); }
.toast.error { background: rgba(229,62,62,0.9); }
.toast.warning { background: rgba(214,158,46,0.9); }
@keyframes slideDown { from { opacity: 0; transform: translateX(-50%) translateY(-20px); } to { opacity: 1; transform: translateX(-50%) translateY(0); } }

.modal-overlay {
  position: fixed; inset: 0; background: var(--bg-overlay); display: flex; align-items: center; justify-content: center;
  z-index: 9000; animation: fadeIn 0.2s ease;
}
.modal-content {
  background: var(--bg-deep); border: 1px solid var(--gold-border); border-radius: var(--radius-xl);
  padding: 32px 24px; max-width: 420px; width: 90%; max-height: 85vh; overflow-y: auto; animation: scaleIn 0.25s ease;
}
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
@keyframes scaleIn { from { opacity: 0; transform: scale(0.95); } to { opacity: 1; transform: scale(1); } }

.bottom-nav {
  position: fixed; bottom: 0; left: 0; right: 0; background: rgba(8,8,18,0.95);
  backdrop-filter: blur(20px); border-top: 1px solid rgba(255,255,255,0.06);
  display: flex; justify-content: space-around; padding: 8px 0 env(safe-area-inset-bottom,8px); z-index: 8000;
}
.bottom-nav-item { display: flex; flex-direction: column; align-items: center; gap: 4px; color: var(--text-muted); font-size: 11px; text-decoration: none; padding: 4px 12px; transition: color var(--transition-fast); }
.bottom-nav-item.active { color: var(--gold-text); }
.bottom-nav-item .nav-icon { font-size: 22px; }

.page-container { max-width: 480px; margin: 0 auto; padding: 20px 16px 100px; min-height: 100vh; }
.gold-separator { height: 1px; background: linear-gradient(90deg, transparent, var(--gold-border), transparent); margin: 24px 0; }

@media (min-width: 769px) {
  .page-container { max-width: 800px; padding: 32px 24px 100px; }
  .pc-nav { display: none; }
  .bottom-nav { display: flex; justify-content: center; gap: 48px; }
  .bottom-nav-item { font-size: 13px; padding: 8px 20px; }
  .bottom-nav-item .nav-icon { font-size: 24px; }
  .card-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
}
@media (max-width: 768px) {
  .pc-nav { display: none; }
  .card-grid { display: flex; flex-direction: column; gap: 12px; }
}

.text-center { text-align: center; }
.mt-8 { margin-top: 8px; } .mt-16 { margin-top: 16px; } .mt-24 { margin-top: 24px; }
.mb-16 { margin-bottom: 16px; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.gap-8 { gap: 8px; } .gap-12 { gap: 12px; } .gap-16 { gap: 16px; }
.hidden { display: none !important; }

/* ===== 信贷产品介绍模块 ===== */
.advantage-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 24px;
}
.advantage-card {
  background: linear-gradient(135deg, rgba(26,26,46,0.9), rgba(22,33,62,0.9));
  border: 1px solid rgba(212,168,83,0.15);
  border-radius: 16px;
  padding: 20px 16px;
  text-align: center;
  transition: transform 0.2s, box-shadow 0.2s;
}
.advantage-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 12px 32px rgba(0,0,0,0.4), 0 0 0 1px rgba(212,168,83,0.3);
  border-color: rgba(212,168,83,0.4);
}
.advantage-icon { font-size: 32px; margin-bottom: 8px; }
.advantage-title { font-size: 14px; color: #8892b0; margin: 0 0 6px 0; font-weight: 400; }
.advantage-value { font-size: 22px; font-weight: 700; margin: 0 0 4px 0; }
.advantage-desc { font-size: 11px; color: #5a6680; margin: 0; }

.section-block { margin-bottom: 24px; }
.section-title {
  font-size: 17px;
  color: #ccd6f6;
  border-left: 3px solid #d4a853;
  padding-
left: 10px;
  margin: 0 0 16px 0;
}

/* 申请流程 */
.steps-wrap { position: relative; padding: 10px 0; }
.steps-line {
  position: absolute;
  top: 22px;
  left: 12%;
  width: 76%;
  height: 2px;
  background: rgba(212,168,83,0.2);
  z-index: 0;
}
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 4px;
  position: relative;
  z-index: 1;
}
.step-item { text-align: center; }
.step-circle {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  border: 2px solid rgba(255,255,255,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 8px;
  font-size: 16px;
  font-weight: 700;
  color: #8892b0;
  transition: all 0.3s;
}
.step-circle.active {
  background: linear-gradient(135deg, #d4a853, #c9953a);
  border-color: #d4a853;
  color: #fff;
}
.step-label { font-size: 12px; color: #8892b0; margin: 0; }

/* 申请条件 */
.condition-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
.condition-item {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: 12px;
  padding: 12px 14px;
  font-size: 13px;
  color: #ccd6f6;
  display: flex;
  align-items: center;
  gap: 8px;
  transition: transform 0.2s, box-shadow 0.2s, border-color 0.2s;
}
.condition-item:hover {
  transform: translateY(-3px);
  box-shadow: 0 6px 20px rgba(0,0,0,0.3);
  border-color: rgba(52,211,153,0.3);
  background: rgba(255,255,255,0.08);
}
.condition-dot { color: #34d399; font-size: 10px; }

/* PC端 */
@media (min-width: 768px) {
  .advantage-grid { grid-template-columns: repeat(4, 1fr); gap: 16px; }
  .advantage-card { padding: 28px 20px; }
  .advantage-icon { font-size: 40px; }
  .advantage-title { font-size: 15px; }
  .advantage-value { font-size: 28px; }
  .advantage-desc { font-size: 12px; }
  .section-title { font-size: 19px; }
  .steps-line { left: 14%; width: 72%; }
  .step-circle { width: 44px; height: 44px; font-size: 18px; }
  .step-label { font-size: 13px; }
  .condition-grid { grid-template-columns: repeat(3, 1fr); gap: 12px; }
  .condition-item { padding: 14px 16px; font-size: 14px; }
}