/* 付款方式速查：仅作用于 .pt-tool，不影响其他页面。橙色按钮 #d97706（hover #c26805）。 */
.pt-tool{padding:26px 0 56px}
.pt-tool [hidden]{display:none!important}
.pt-tool .back-link{font-size:13px;color:var(--muted)}
.pt-tool .back-link:hover{color:var(--ink)}
.pt-tool .sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.pt-heading{margin:14px 0 12px}
.pt-heading h1{font-size:30px;letter-spacing:-1px;margin:5px 0 4px;line-height:1.3}
.pt-heading p{margin:0;font-size:14px;color:var(--muted)}
.pt-disclaimer{margin:0 2px 18px;font-size:12.5px;line-height:1.7;color:var(--muted)}
.pt-disclaimer b{color:var(--ink)}
.pt-disclaimer a{color:var(--ink);text-decoration:underline;white-space:nowrap}
.pt-tool p{overflow-wrap:anywhere}

.pt-tool .button.secondary{background:#fff;border:1px solid var(--border);color:var(--ink);padding:7px 13px;font-size:13px;border-radius:6px;cursor:pointer;font-family:inherit;font-weight:600;box-shadow:none;display:inline-flex;gap:0;align-items:center}
.pt-tool .button.secondary:hover{border-color:#b9c6d1;background:#f8fafb}
.pt-tool .button.pt-primary{background:#d97706;color:#fff;border:0;padding:8px 16px;font-size:13px;border-radius:6px;cursor:pointer;font-family:inherit;font-weight:700;box-shadow:none;display:inline-flex;gap:0;align-items:center}
.pt-tool .button.pt-primary:hover{background:#c26805}
.pt-tool button:focus-visible,.pt-tool select:focus-visible,.pt-tool summary:focus-visible,.pt-tool a:focus-visible,.pt-tool [tabindex="-1"]:focus-visible{outline:3px solid rgba(246,154,18,.55);outline-offset:2px}
.pt-tool .is-flash{animation:pt-flash 1.6s ease-out}
@keyframes pt-flash{0%{box-shadow:0 0 0 4px rgba(246,154,18,.55)}100%{box-shadow:0 0 0 4px rgba(246,154,18,0)}}
@media (prefers-reduced-motion:reduce){.pt-tool .is-flash{animation:none}}

.pt-panel{border:1px solid var(--border);border-radius:10px;background:#fff;padding:18px 20px;margin-bottom:16px;min-width:0}
.pt-panel>h2,.pt-panel-head h2{font-size:18px;margin:0;letter-spacing:-.2px}
.pt-panel>h2{margin-bottom:12px}
.pt-panel-head{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;margin-bottom:10px}
.pt-copywrap{display:inline-flex;gap:8px;flex-wrap:wrap}
.pt-hint{font-size:13px;color:var(--muted);margin:0 0 12px;line-height:1.7}
.pt-panel h3{font-size:15px;margin:0 0 6px}
.pt-panel h4{font-size:13px;margin:0 0 4px}

/* 顶栏：视图切换 + 筛选 + 助手入口 */
.pt-subbar{display:flex;align-items:center;justify-content:space-between;gap:10px 14px;flex-wrap:wrap;margin-bottom:14px}
.pt-subright{display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.pt-seg{display:inline-flex;border:1px solid #cfdbe5;border-radius:8px;overflow:hidden;background:#fff;max-width:100%}
.pt-seg button{border:0;background:#fff;padding:8px 13px;font:inherit;font-size:13px;color:#52687a;cursor:pointer;border-right:1px solid #e3eaf0;white-space:nowrap}
.pt-seg button:last-child{border-right:0}
.pt-seg button[aria-pressed="true"]{background:var(--ink);color:#fff;font-weight:600}
.pt-filtersel{display:inline-flex;align-items:center;gap:8px;font-size:13px;color:var(--muted)}
.pt-filtersel select,.pt-sel select{border:1px solid #cfdbe5;border-radius:6px;padding:8px 10px;font:inherit;font-size:14px;color:var(--ink);background:#fff;min-width:0;max-width:100%}
.pt-tool .pt-adv{border-color:#d97706;color:#8a4b0a}
.pt-tool .pt-adv[aria-expanded="true"]{background:#fff6e8}

/* 风险等级标签：符号 + 文字 + 颜色，不只靠颜色 */
.pt-chip{display:inline-flex;align-items:center;gap:4px;padding:3px 8px;border-radius:5px;font-size:12.5px;font-weight:600;line-height:1.35;border:1px solid transparent;white-space:nowrap}
.pt-chip i{font-style:normal;font-size:11px}
.pt-chip.lv-low{background:#e3f1e9;color:#1f6b4a;border-color:#b8d8c5}
.pt-chip.lv-mid{background:#fdf3d6;color:#6b5300;border-color:#ecd691}
.pt-chip.lv-high{background:#fbe3dc;color:#8a2f12;border-color:#efb9a8}
.pt-chip.lv-var{background:#f1f3f5;color:#4d5b68;border:1px dashed #aab6c0}
.pt-cs{font-size:13px;line-height:1.5;color:var(--ink)}
.pt-fam{font-style:normal;font-size:11px;font-weight:600;padding:1px 7px;border-radius:9px;background:#eef2f5;color:#52687a;white-space:nowrap}
.pt-fam.f-credit{background:#e2e9f3;color:#122d4b}.pt-fam.f-collection{background:#e1f0f2;color:#1c5b66}.pt-fam.f-open{background:#fdeccb;color:#7a4300}

/* 选择条 */
.pt-picker{display:flex;flex-wrap:wrap;gap:10px 12px;align-items:flex-end;margin-bottom:4px}
.pt-pg{display:flex;flex-direction:column;gap:5px;min-width:0}
.pt-pgl{font-size:11.5px;color:var(--muted);font-weight:600}
.pt-pgb{display:flex;gap:6px;flex-wrap:wrap;border-top:3px solid #c4d3df;padding-top:6px}
.pt-pg.f-credit .pt-pgb{border-top-color:#305572}.pt-pg.f-collection .pt-pgb{border-top-color:#2f8794}.pt-pg.f-open .pt-pgb{border-top-color:#d97706}
.pt-pick{border:1px solid #cfdbe5;background:#fff;border-radius:7px;padding:7px 12px;font:inherit;cursor:pointer;display:flex;flex-direction:column;align-items:center;gap:1px;min-width:74px}
.pt-pick b{font-size:15px;color:var(--ink)}
.pt-pick span{font-size:12px;color:var(--muted)}
.pt-pick:hover{border-color:#d97706}
.pt-pick[aria-pressed="true"]{background:var(--ink);border-color:var(--ink)}
.pt-pick[aria-pressed="true"] b,.pt-pick[aria-pressed="true"] span{color:#fff}
.pt-pickhint{font-size:12px;color:var(--muted);margin:6px 0 14px}

/* 单个方式 */
.pt-hero{display:grid;grid-template-columns:minmax(0,auto) minmax(0,1fr);gap:10px 22px;align-items:center;padding:14px 16px;border:1px solid var(--border);border-radius:10px;background:var(--blue);margin-bottom:14px}
.pt-hl{display:flex;align-items:center;gap:12px;min-width:0}
.pt-hcode{font-size:30px;letter-spacing:-1px;color:var(--ink)}
.pt-hnames{display:flex;flex-direction:column;gap:3px;align-items:flex-start}
.pt-hzh{font-weight:700}.pt-hen{font-size:12.5px;color:var(--muted)}
.pt-hshort{margin:0;font-size:14px;line-height:1.75;color:var(--ink)}
.pt-tiles{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;margin-bottom:16px}
.pt-tile{border:1px solid var(--border);border-radius:9px;padding:12px 14px;background:#fff;min-width:0}
.pt-tl{font-size:12px;color:var(--muted);font-weight:600;margin-bottom:5px}
.pt-tv{margin-bottom:5px;font-size:15px}
.pt-tn p{margin:0 0 4px;font-size:13px;line-height:1.7;color:#38506a}
.pt-flowbox,.pt-extras,.pt-more{margin-bottom:16px}
.pt-flowbox h3,.pt-extras h3,.pt-more h3{font-size:15px;margin:0 0 8px}
.pt-flowtitle{margin:0 0 8px;font-weight:600;font-size:14px}
.pt-flowseg{margin-bottom:10px}
.pt-steps{list-style:none;margin:0;padding:0;counter-reset:pt}
.pt-steps li{counter-increment:pt;display:grid;grid-template-columns:auto 52px minmax(0,1fr);gap:10px;align-items:start;padding:8px 0;border-bottom:1px solid #edf1f4;font-size:14px;line-height:1.7}
.pt-steps li:before{content:counter(pt);display:inline-grid;place-items:center;width:22px;height:22px;border-radius:50%;background:#eef2f5;font-size:12px;font-weight:700;color:#52687a}
.pt-who{display:inline-block;text-align:center;font-size:12px;font-weight:700;padding:1px 0;border-radius:5px;border:1px solid transparent}
.w-seller .pt-who{background:#e3edf6;color:#122d4b;border-color:#bfd3e6}
.w-buyer .pt-who{background:#fdeccb;color:#7a4300;border-color:#f1cf91}
.w-bank .pt-who{background:#e1f0f2;color:#1c5b66;border-color:#b7d9de}
.w-both .pt-who{background:#f1f3f5;color:#4d5b68;border-color:#dde3e8}
.pt-flownote{margin:10px 0 0;font-size:13px;line-height:1.75;color:#38506a;background:#fafcfd;border-left:3px solid #d97706;padding:8px 12px}
.pt-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.pt-item{border:1px solid var(--border);border-radius:8px;padding:12px 14px;min-width:0}
.pt-item h3,.pt-item h4{font-size:14px;margin:0 0 5px}
.pt-item p{margin:0 0 8px;font-size:13px;line-height:1.8;color:#38506a}
.pt-item p:last-child{margin-bottom:0}
.pt-item .button{margin-top:4px}
.pt-rows{list-style:none;margin:0;padding:0}
.pt-rows li{padding:9px 0;border-bottom:1px solid #edf1f4}
.pt-rowtop{display:flex;justify-content:space-between;gap:12px;align-items:baseline;flex-wrap:wrap;margin-bottom:3px}
.pt-rn{font-weight:600;font-size:13.5px}
.pt-note{margin:0;font-size:13px;line-height:1.75;color:#38506a}
.pt-notes{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.3fr);gap:12px;margin-bottom:14px}
.pt-callout{border:1px solid #f1cf91;background:#fffaf1;border-radius:8px;padding:11px 14px;font-size:13px;line-height:1.75;min-width:0}
.pt-callout.alt{border-color:#bfd3e6;background:#f4f8fc}
.pt-callout b{display:block;margin-bottom:4px}
.pt-callout p{margin:0 0 6px}.pt-callout ul{margin:0;padding-left:18px}.pt-callout li{margin-bottom:4px}
.pt-actions{display:flex;flex-wrap:wrap;gap:8px;margin:12px 0 0;align-items:center}
.pt-lclink{color:var(--ink);font-weight:600;font-size:13px;text-decoration:underline;text-underline-offset:3px}
.pt-lclink:hover{color:#be561f}
.pt-tool a.pt-lcbtn{display:inline-flex;align-items:center;background:#fff;border:1px solid #d97706;border-radius:6px;padding:7px 13px;color:#8a4b0a;text-decoration:none}
.pt-tool a.pt-lcbtn:hover{background:#fff6e8}
.pt-lcnote,.pt-lcnote-t{font-size:12.5px;color:var(--muted)}
.pt-lcnote{margin:8px 0 0}
#pt-lcnote-all{margin:12px 0 0}

/* 对照：宽屏矩阵，窄屏卡片 */
.pt-legend{display:flex;flex-wrap:wrap;gap:6px 12px;list-style:none;margin:0 0 6px;padding:0;align-items:center}
.pt-levelnote{font-size:12.5px;color:var(--muted)}
.pt-table-wrap{display:none}
.pt-cards{display:grid;gap:10px}
@media (min-width:1020px){.pt-table-wrap{display:block}.pt-cards{display:none}}
.pt-table{width:100%;border-collapse:separate;border-spacing:0;font-size:13px;table-layout:fixed}
.pt-table th,.pt-table td{border-bottom:1px solid #edf1f4;padding:6px 6px;text-align:center;vertical-align:middle}
.pt-corner{text-align:left!important;font-size:12px;color:var(--muted);font-weight:600;width:150px}
.pt-grp{font-size:12px;font-weight:600;color:#52687a;background:#f4f7f9;border-left:2px solid #fff;border-bottom:1px solid var(--border)!important}
.pt-grp.f-credit{background:#e2e9f3}.pt-grp.f-collection{background:#e1f0f2}.pt-grp.f-open{background:#fdf0d8}
.pt-gr th{text-align:left!important;font-size:12px;color:#8a4b0a;background:#fffaf1;padding:5px 8px!important;letter-spacing:.3px}
.pt-rowh{text-align:left!important;font-weight:600;color:var(--ink);padding-left:6px!important;background:#fff}
.pt-th{border:0;background:none;font:inherit;cursor:pointer;display:flex;flex-direction:column;align-items:center;gap:1px;width:100%;padding:4px 2px;border-radius:6px}
.pt-th b{font-size:15px}.pt-th span{font-size:12px;color:var(--muted);font-weight:500}
.pt-th:hover{background:#f4f7f9}
.pt-cell{border:0;background:none;font:inherit;cursor:pointer;width:100%;padding:4px 3px;border-radius:6px;line-height:1.5;min-height:34px;display:flex;align-items:center;justify-content:center}
.pt-cell:hover{background:#f4f7f9}
.pt-table .is-hl{background:#fff6e8}
.pt-card{border:1px solid var(--border);border-radius:9px;background:#fff;min-width:0}
.pt-card.is-hl{border-color:#d97706;background:#fffaf1}
.pt-card summary{cursor:pointer;list-style:none;padding:12px 14px;display:flex;flex-direction:column;gap:4px}
.pt-card summary::-webkit-details-marker{display:none}
.pt-card summary:after{content:"＋ 展开";align-self:flex-end;font-size:12px;color:#8a4b0a;margin-top:-18px}
.pt-card[open] summary:after{content:"－ 收起"}
.pt-ch{display:flex;align-items:center;gap:8px;flex-wrap:wrap}
.pt-ch b{font-size:17px}.pt-ch span{font-size:13px;color:var(--muted)}
.pt-cshort{font-size:13px;line-height:1.7;color:#38506a;padding-right:56px}
.pt-cbody{padding:2px 14px 14px;border-top:1px solid #edf1f4}
.pt-crow{padding:9px 0;border-bottom:1px solid #edf1f4}
.pt-crowh{display:flex;justify-content:space-between;align-items:baseline;gap:10px;flex-wrap:wrap}
.pt-cd p{margin:4px 0 0;font-size:13px;line-height:1.75;color:#38506a}

/* 对比 */
.pt-cmp-ctl{display:flex;align-items:center;gap:8px;flex-wrap:wrap}
.pt-vs{font-size:13px;color:var(--muted)}
.pt-shortcuts{display:flex;align-items:center;flex-wrap:wrap;gap:8px;margin:12px 0;font-size:13px;color:var(--muted)}
.pt-sc{border:1px solid #cfdbe5;background:#fff;border-radius:14px;padding:4px 11px;font:inherit;font-size:12.5px;font-weight:600;color:var(--ink);cursor:pointer}
.pt-sc:hover{border-color:#d97706;background:#fffaf1}
.pt-summary{font-size:13.5px;color:#38506a;margin:0 0 10px}
.pt-ctable{display:none;width:100%;border-collapse:collapse;font-size:13px;table-layout:fixed}
.pt-ctable th,.pt-ctable td{border-bottom:1px solid #edf1f4;padding:9px 10px;text-align:left;vertical-align:top}
.pt-ctable thead th{background:#f4f7f9;font-size:13px}
.pt-ctable thead th b{font-size:15px;margin-right:6px}.pt-ctable thead th span{color:var(--muted);font-weight:500}
.pt-ctable tbody th{width:150px}
.pt-ctable tr.is-diff{background:#fffaf1}
.pt-ctable em,.pt-crow2 em{font-style:normal;font-size:11px;font-weight:700;color:#8a4b0a;background:#fdeccb;border-radius:9px;padding:1px 7px;margin-left:4px;white-space:nowrap}
.pt-ccards{display:block}
@media (min-width:760px){.pt-ctable{display:table}.pt-ccards{display:none}}
.pt-crow2{border:1px solid var(--border);border-radius:8px;padding:10px 12px;margin-bottom:8px}
.pt-crow2.is-diff{background:#fffaf1;border-color:#f1cf91}
.pt-crow2-h{margin-bottom:6px}
.pt-crow2-c{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:10px}
.pt-crow2-c small{display:block;font-weight:700;color:var(--muted);margin-bottom:3px}
.pt-csame summary{cursor:pointer;font-size:13px;color:#52687a;padding:8px 2px}

/* 助手 */
.pt-answers{display:flex;flex-wrap:wrap;gap:6px;list-style:none;margin:0 0 10px;padding:0}
.pt-answers li{font-size:12.5px;background:#eef2f5;border-radius:12px;padding:3px 10px;color:#38506a}
.pt-stepno{font-size:12px;color:var(--muted);font-weight:600;margin:0 0 4px}
.pt-opts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.pt-opt{border:1px solid #cfdbe5;background:#fff;border-radius:9px;padding:12px 14px;text-align:left;font:inherit;cursor:pointer;display:flex;flex-direction:column;gap:3px}
.pt-opt b{font-size:14px;color:var(--ink)}.pt-opt small{font-size:12.5px;color:var(--muted);line-height:1.6}
.pt-opt:hover{border-color:#d97706;background:#fffaf1}
.pt-rec{display:flex;flex-direction:column;gap:2px;border-left:4px solid #d97706;background:#fffaf1;padding:10px 14px;margin-bottom:12px}
.pt-reclabel{font-size:12px;color:#8a4b0a;font-weight:700}
.pt-recname{font-size:18px;letter-spacing:-.3px}
.pt-result p{font-size:14px;line-height:1.8;margin:0 0 10px}
.pt-alts ul{margin:4px 0 12px;padding-left:18px;font-size:13.5px;line-height:1.8}

/* 依据 */
.pt-fold>summary{cursor:pointer;font-weight:700;font-size:16px}
.pt-fold[open]>summary{margin-bottom:10px}
.pt-srcs{margin:8px 0 0;padding-left:18px;font-size:13.5px;line-height:1.8}
.pt-srcs li{margin-bottom:8px;overflow-wrap:anywhere}
.pt-srcs a{text-decoration:underline;text-underline-offset:3px}
.pt-srcs small{color:var(--muted)}
.pt-kind{border:1px solid #dde3e8;border-radius:9px;padding:0 6px;font-size:11px;font-weight:600}
.pt-kind.is-primary{background:#e2e9f3;color:#122d4b;border-color:#bfd3e6}
.pt-buy{font-size:12.5px;color:var(--muted);margin:10px 0 0}

@media (max-width:1019px){.pt-tiles{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:680px){
  .pt-tool{padding:18px 0 40px}
  .pt-heading h1{font-size:26px}
  .pt-panel{padding:14px 14px}
  .pt-hero{grid-template-columns:minmax(0,1fr)}
  .pt-tiles,.pt-grid,.pt-notes,.pt-opts,.pt-crow2-c{grid-template-columns:minmax(0,1fr)}
  .pt-steps li{grid-template-columns:auto 44px minmax(0,1fr);gap:8px}
  .pt-seg{display:flex;width:100%}.pt-seg button{flex:1 1 0;padding:8px 6px;white-space:normal}
  .pt-subright{width:100%;justify-content:space-between}
  .pt-pick{min-width:64px;padding:6px 9px}
  .pt-cmp-ctl .pt-sel{flex:1 1 130px}.pt-cmp-ctl .pt-sel select{width:100%}
}
@media print{.pt-subbar,.pt-actions,.pt-shortcuts{display:none!important}}