* {
            margin: 0;
            padding: 0;
            box-sizing: border-box;
        }

        body {
            font-family: -apple-system, 'PingFang SC', 'Microsoft YaHei', 'Helvetica Neue', Arial, sans-serif;
            background: #f5f7fb;
            color: #0f182a;
            line-height: 1.6;
            padding-top: 64px;
            -webkit-font-smoothing: antialiased;
            -moz-osx-font-smoothing: grayscale;
            overflow-x: hidden;
        }

        a {
            color: #2a6df4;
            text-decoration: none;
        }
        a:hover {
            color: #1a56d6;
        }

        .container {
            max-width: 1000px;
            margin: 0 auto;
            padding: 0 18px;
        }

        
        .navbar {
            position: fixed;
            top: 0;
            left: 0;
            right: 0;
            z-index: 1000;
            background: rgba(255, 255, 255, 0.92);
            backdrop-filter: blur(16px);
            -webkit-backdrop-filter: blur(16px);
            border-bottom: 1px solid rgba(0, 0, 0, 0.04);
            padding: 8px 18px;
            min-height: 64px;
            display: flex;
            align-items: center;
            justify-content: space-between;
            transition: box-shadow 0.3s;
        }

        .navbar.scrolled {
            box-shadow: 0 2px 20px rgba(0, 0, 0, 0.04);
        }

        .navbar .logo {
            font-size: 20px;
            font-weight: 700;
            color: #0f182a;
            cursor: pointer;
            display: flex;
            align-items: center;
            gap: 2px;
            flex-shrink: 0;
            transition: transform 0.3s;
        }
        .navbar .logo:hover {
            transform: scale(1.04);
        }
        .navbar .logo .accent {
            color: #2a6df4;
        }
        .navbar .logo .light {
            font-weight: 300;
            color: #8a9bb5;
        }

        .nav-links {
            display: flex;
            flex-wrap: wrap;
            gap: 2px;
            align-items: center;
            justify-content: flex-end;
        }

        .nav-links a {
            padding: 6px 12px;
            border-radius: 30px;
            font-size: 13px;
            font-weight: 500;
            color: #4a5a72;
            transition: all 0.3s;
            position: relative;
            white-space: nowrap;
            min-height: 36px;
            display: flex;
            align-items: center;
            gap: 4px;
        }

        .nav-links a::after {
            content: '';
            position: absolute;
            bottom: 4px;
            left: 50%;
            width: 0;
            height: 2px;
            background: #2a6df4;
            transition: width 0.3s ease, left 0.3s ease;
            border-radius: 4px;
        }

        .nav-links a:hover::after {
            width: 50%;
            left: 25%;
        }

        .nav-links a:hover {
            background: #eef2f7;
            color: #0f182a;
        }

        .nav-links a.active {
            background: #2a6df4;
            color: #fff;
            box-shadow: 0 4px 12px rgba(42, 109, 244, 0.25);
        }

        .nav-links a.active::after {
            display: none;
        }

        .nav-links a.active:hover {
            background: #1a56d6;
        }

        .nav-links .nav-badge {
            background: rgba(42, 109, 244, 0.12);
            color: #2a6df4;
            font-size: 9px;
            font-weight: 700;
            padding: 0px 8px;
            border-radius: 30px;
            line-height: 18px;
            letter-spacing: 0.2px;
        }

        .nav-links a.active .nav-badge {
            background: rgba(255, 255, 255, 0.2);
            color: #fff;
        }

        
        .btn-submit {
            display: inline-flex;
            align-items: center;
            justify-content: center;
            background: #2a6df4;
            color: #fff;
            padding: 16px 32px;
            border-radius: 60px;
            font-size: 16px;
            font-weight: 600;
            border: none;
            cursor: pointer;
            transition: all 0.4s cubic-bezier(0.34, 1.56, 0.64, 1);
            box-shadow: 0 8px 24px rgba(42, 109, 244, 0.25);
            font-family: inherit;
            min-height: 54px;
            min-width: 44px;
            touch-action: manipulation;
            width: 100%;
            position: relative;
            overflow: hidden;
        }

        .btn-submit:hover {
            background: #1a56d6;
            transform: translateY(-3px) scale(1.03);
            box-shadow: 0 12px 40px rgba(42, 109, 244, 0.4);
            color: #fff;
        }

        .btn-submit:active {
            transform: scale(0.95);
        }

        .btn-apply {
            background: #2a6df4;
            color: #fff;
            border: none;
            padding: 14px 28px;
            border-radius: 60px;
            font-size: 15px;
            font-weight: 600;
            cursor: pointer;
            transition: all 0.4s cubic-bezier(0.34, 1.56, 0.64, 1);
            font-family: inherit;
            box-shadow: 0 8px 24px rgba(42, 109, 244, 0.2);
            min-height: 50px;
            min-width: 44px;
            touch-action: manipulation;
            width: 100%;
            position: relative;
            overflow: hidden;
        }

        .btn-apply:hover {
            background: #1a56d6;
            transform: translateY(-3px) scale(1.03);
            box-shadow: 0 12px 36px rgba(42, 109, 244, 0.35);
            color: #fff;
        }

        .btn-apply:active {
            transform: scale(0.95);
        }

        .ripple {
            position: absolute;
            border-radius: 50%;
            background: rgba(255, 255, 255, 0.4);
            transform: scale(0);
            animation: rippleAnim 0.6s linear;
            pointer-events: none;
        }

        @keyframes rippleAnim {
            to {
                transform: scale(4);
                opacity: 0;
            }
        }

        
        .reveal {
            opacity: 0;
            transform: translateY(40px);
            transition: all 0.8s cubic-bezier(0.34, 1.56, 0.64, 1);
        }

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

        .reveal-left {
            opacity: 0;
            transform: translateX(-40px);
            transition: all 0.8s cubic-bezier(0.34, 1.56, 0.64, 1);
        }

        .reveal-left.visible {
            opacity: 1;
            transform: translateX(0);
        }

        .reveal-right {
            opacity: 0;
            transform: translateX(40px);
            transition: all 0.8s cubic-bezier(0.34, 1.56, 0.64, 1);
        }

        .reveal-right.visible {
            opacity: 1;
            transform: translateX(0);
        }

        
        .page-header {
            text-align: center;
            padding: 24px 0 16px;
        }
        .page-header h1 {
            font-size: 26px;
            font-weight: 700;
            color: #0f182a;
        }
        .page-header p {
            color: #5a6e8a;
            font-size: 15px;
            margin-top: 2px;
        }
        .page-header p strong {
            color: #2a6df4;
        }

        
        .success-box {
            background: #f0fdf4;
            border: 1px solid #bbf7d0;
            border-radius: 14px;
            padding: 20px 18px;
            text-align: center;
            display: none;
            margin-bottom: 16px;
            transition: all 0.4s;
        }

        .success-box.show {
            display: block;
            animation: successPop 0.5s cubic-bezier(0.34, 1.56, 0.64, 1);
        }

        @keyframes successPop {
            0% {
                transform: scale(0.8);
                opacity: 0;
            }
            100% {
                transform: scale(1);
                opacity: 1;
            }
        }

        .success-box .icon {
            font-size: 36px;
            display: block;
            margin-bottom: 2px;
        }
        .success-box h3 {
            color: #16a34a;
            font-size: 18px;
        }
        .success-box p {
            color: #475569;
            font-size: 13px;
        }

        
        .refund-wrapper {
            display: grid;
            grid-template-columns: 1fr;
            gap: 20px;
            margin: 8px 0 16px;
        }

        .refund-form-box {
            background: #fff;
            border-radius: 20px;
            padding: 24px 18px;
            border: 1px solid rgba(0, 0, 0, 0.04);
            box-shadow: 0 2px 12px rgba(0, 0, 0, 0.02);
            transition: all 0.4s;
        }

        .refund-form-box:hover {
            border-color: #2a6df4;
            box-shadow: 0 8px 32px rgba(42, 109, 244, 0.04);
        }

        .refund-form-box .badge {
            display: inline-block;
            background: rgba(42, 109, 244, 0.08);
            color: #2a6df4;
            font-size: 12px;
            font-weight: 600;
            padding: 2px 16px;
            border-radius: 30px;
            margin-bottom: 10px;
        }

        .refund-form-box h2 {
            font-size: 20px;
            font-weight: 700;
            color: #0f182a;
            margin-bottom: 2px;
        }

        .refund-form-box .form-desc {
            color: #5a6e8a;
            font-size: 13px;
            margin-bottom: 16px;
        }

        .form-group {
            margin-bottom: 14px;
        }
        .form-group label {
            display: block;
            font-size: 13px;
            font-weight: 600;
            color: #0f182a;
            margin-bottom: 2px;
        }
        .form-group label .required {
            color: #ef4444;
        }
        .form-group .hint {
            font-size: 12px;
            color: #8a9bb5;
            margin-top: 2px;
        }
        .form-group input,
        .form-group select,
        .form-group textarea {
            width: 100%;
            padding: 10px 14px;
            border: 1px solid #e2e8f0;
            border-radius: 10px;
            font-size: 14px;
            font-family: inherit;
            background: #fafbfc;
            transition: all 0.3s;
            color: #0f182a;
            -webkit-appearance: none;
            appearance: none;
        }

        .form-group input:focus,
        .form-group select:focus,
        .form-group textarea:focus {
            outline: none;
            border-color: #2a6df4;
            background: #fff;
            box-shadow: 0 0 0 4px rgba(42, 109, 244, 0.08);
            transform: scale(1.01);
        }

        .form-group textarea {
            resize: vertical;
            min-height: 80px;
        }

        .form-row {
            display: grid;
            grid-template-columns: 1fr;
            gap: 0;
        }

        .form-group .radio-group {
            display: flex;
            gap: 16px;
            padding-top: 4px;
            flex-wrap: wrap;
        }
        .form-group .radio-group label {
            font-weight: 400;
            font-size: 13px;
            display: flex;
            align-items: center;
            gap: 6px;
            cursor: pointer;
            transition: color 0.3s;
        }

        .form-group .radio-group label:hover {
            color: #2a6df4;
        }

        .form-group .radio-group input[type="radio"] {
            width: auto;
            margin: 0;
            accent-color: #2a6df4;
        }

        
        .refund-sidebar {
            display: flex;
            flex-direction: column;
            gap: 16px;
        }

        .refund-sidebar .info-card {
            background: #fff;
            border-radius: 18px;
            padding: 20px 18px;
            border: 1px solid rgba(0, 0, 0, 0.04);
            transition: all 0.4s;
            box-shadow: 0 2px 12px rgba(0, 0, 0, 0.02);
        }

        .refund-sidebar .info-card:hover {
            border-color: #2a6df4;
            transform: translateY(-2px);
            box-shadow: 0 8px 28px rgba(42, 109, 244, 0.04);
        }

        .refund-sidebar .info-card h3 {
            font-size: 16px;
            font-weight: 600;
            color: #0f182a;
            margin-bottom: 8px;
        }

        .refund-sidebar .info-card ul {
            list-style: none;
            padding: 0;
        }

        .refund-sidebar .info-card ul li {
            padding: 4px 0 4px 22px;
            position: relative;
            color: #4a5a72;
            font-size: 13px;
            border-bottom: 1px solid #f0f3f8;
            transition: padding-left 0.3s;
        }

        .refund-sidebar .info-card ul li:hover {
            padding-left: 28px;
        }

        .refund-sidebar .info-card ul li:last-child {
            border-bottom: none;
        }

        .refund-sidebar .info-card ul li::before {
            content: '•';
            position: absolute;
            left: 4px;
            color: #2a6df4;
            font-weight: 700;
        }

        .refund-sidebar .info-card .highlight-box {
            background: #f8fafc;
            border-radius: 12px;
            padding: 14px 16px;
            margin-top: 8px;
            text-align: center;
            border: 1px solid rgba(0, 0, 0, 0.04);
            transition: all 0.3s;
        }

        .refund-sidebar .info-card .highlight-box:hover {
            border-color: #2a6df4;
        }

        .refund-sidebar .info-card .highlight-box p {
            color: #4a5a72;
            font-size: 13px;
            margin-bottom: 8px;
        }

        
        .faq-section {
            background: #fff;
            border-radius: 18px;
            padding: 22px 18px;
            border: 1px solid rgba(0, 0, 0, 0.04);
            margin-top: 8px;
            transition: all 0.4s;
            box-shadow: 0 2px 12px rgba(0, 0, 0, 0.02);
        }

        .faq-section:hover {
            border-color: #2a6df4;
            box-shadow: 0 8px 28px rgba(42, 109, 244, 0.04);
        }

        .faq-section h2 {
            font-size: 18px;
            font-weight: 700;
            color: #0f182a;
            margin-bottom: 12px;
        }

        .faq-item {
            padding: 10px 0;
            border-bottom: 1px solid #f0f3f8;
            transition: all 0.3s;
        }

        .faq-item:hover {
            padding-left: 4px;
        }

        .faq-item:last-child {
            border-bottom: none;
        }

        .faq-item .q {
            font-weight: 600;
            font-size: 14px;
            color: #0f182a;
        }

        .faq-item .q::before {
            content: 'Q: ';
            color: #2a6df4;
        }

        .faq-item .a {
            font-size: 13px;
            color: #5a6e8a;
            padding-left: 24px;
            margin-top: 0px;
        }

        .faq-item .a strong {
            color: #2a6df4;
            font-weight: 500;
        }

        
        .footer {
            text-align: center;
            padding: 24px 0 14px;
            border-top: 1px solid rgba(0, 0, 0, 0.04);
            margin-top: 12px;
            color: #8a9bb5;
            font-size: 12px;
        }

        .footer .links {
            display: flex;
            flex-wrap: wrap;
            justify-content: center;
            gap: 10px 18px;
            margin-bottom: 6px;
        }

        .footer .links a {
            color: #5a6e8a;
            font-size: 12px;
            transition: all 0.3s;
            position: relative;
        }

        .footer .links a::after {
            content: '';
            position: absolute;
            bottom: -2px;
            left: 0;
            width: 0;
            height: 1.5px;
            background: #2a6df4;
            transition: width 0.3s;
        }

        .footer .links a:hover::after {
            width: 100%;
        }

        .footer .links a:hover {
            color: #2a6df4;
        }

        
        @media (min-width: 768px) {
            body {
                padding-top: 76px;
            }

            .container {
                padding: 0 32px;
            }

            .navbar {
                padding: 0 32px;
                height: 76px;
                min-height: 76px;
            }

            .navbar .logo {
                font-size: 24px;
            }

            .nav-links {
                gap: 4px;
            }

            .nav-links a {
                padding: 8px 20px;
                font-size: 14px;
                min-height: 42px;
            }

            .nav-links .nav-badge {
                font-size: 10px;
                padding: 1px 10px;
                line-height: 20px;
            }

            .btn-submit {
                width: auto;
                padding: 14px 44px;
                min-height: 50px;
            }

            .btn-apply {
                width: auto;
                padding: 12px 36px;
                min-height: 48px;
            }

            .page-header h1 {
                font-size: 34px;
            }
            .page-header p {
                font-size: 17px;
            }

            .refund-wrapper {
                grid-template-columns: 2fr 1fr;
                gap: 30px;
                margin: 10px 0 20px;
            }

            .refund-form-box {
                padding: 32px 34px;
                border-radius: 24px;
            }
            .refund-form-box h2 {
                font-size: 22px;
            }
            .refund-form-box .form-desc {
                font-size: 14px;
            }

            .form-row {
                grid-template-columns: 1fr 1fr;
                gap: 16px;
            }

            .form-group label {
                font-size: 14px;
            }
            .form-group .hint {
                font-size: 13px;
            }

            .refund-sidebar {
                gap: 24px;
            }
            .refund-sidebar .info-card {
                padding: 26px 24px;
                border-radius: 24px;
            }
            .refund-sidebar .info-card h3 {
                font-size: 17px;
            }
            .refund-sidebar .info-card ul li {
                font-size: 14px;
            }

            .faq-section {
                padding: 30px 34px;
                border-radius: 24px;
            }
            .faq-section h2 {
                font-size: 20px;
            }
            .faq-item .q {
                font-size: 15px;
            }
            .faq-item .a {
                font-size: 14px;
            }

            .footer .links {
                gap: 28px;
            }
            .footer .links a {
                font-size: 14px;
            }
            .footer {
                font-size: 14px;
                padding: 32px 0 18px;
            }
        }

        
        @media (max-width: 360px) {
            .container {
                padding: 0 12px;
            }

            .navbar {
                padding: 6px 12px;
                min-height: 56px;
            }

            .navbar .logo {
                font-size: 17px;
            }

            .nav-links a {
                font-size: 11px;
                padding: 4px 8px;
                min-height: 30px;
            }

            .nav-links .nav-badge {
                font-size: 8px;
                padding: 0px 6px;
                line-height: 16px;
            }

            .page-header h1 {
                font-size: 22px;
            }

            .refund-form-box {
                padding: 18px 12px;
            }
            .refund-form-box h2 {
                font-size: 18px;
            }

            .form-group input,
            .form-group select,
            .form-group textarea {
                font-size: 13px;
                padding: 8px 12px;
            }

            .form-group .radio-group {
                gap: 10px;
                flex-direction: column;
            }

            .btn-submit,
            .btn-apply {
                font-size: 14px;
                padding: 10px 16px;
                min-height: 42px;
            }

            .faq-section {
                padding: 16px 12px;
            }
            .faq-item .q {
                font-size: 13px;
            }
            .faq-item .a {
                font-size: 12px;
                padding-left: 18px;
            }
        }