.page-disclaimer {
  --ins-wrap: 1200px;
  --ins-gap: clamp(16px, 3vw, 28px);
  position: relative;
  background: linear-gradient(180deg, var(--es-mist) 0%, #E7EFF9 55%, var(--es-mist) 100%);
  color: var(--es-ink);
  font-family: var(--es-font-sans);
  overflow-x: clip;
}

.page-disclaimer .ins-wrap {
  width: min(100% - (var(--es-gutter) * 2), var(--ins-wrap));
  margin-inline: auto;
}

.page-disclaimer .ins-narrow {
  width: min(100% - (var(--es-gutter) * 2), 780px);
  margin-inline: auto;
}

.page-disclaimer .ins-visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  margin: -1px;
  padding: 0;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
  border: 0;
}

/* ---------- 首屏 ---------- */
.page-disclaimer .ins-hero {
  position: relative;
  isolation: isolate;
  background: linear-gradient(135deg, var(--es-blue-deep) 0%, #10314F 48%, var(--es-teal) 100%);
  color: #FFFFFF;
  padding: clamp(20px, 3vw, 30px) 0 clamp(30px, 5vw, 52px);
}

.page-disclaimer .ins-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background-image:
    linear-gradient(rgba(216, 178, 124, 0.10) 1px, transparent 1px),
    linear-gradient(90deg, rgba(216, 178, 124, 0.10) 1px, transparent 1px);
  background-size: 32px 32px;
  pointer-events: none;
}

.page-disclaimer .ins-hero__inner {
  width: min(100% - (var(--es-gutter) * 2), var(--ins-wrap));
  margin-inline: auto;
}

.page-disclaimer .ins-hero__crumb {
  margin-bottom: clamp(18px, 3vw, 30px);
}

.page-disclaimer .ins-hero__crumb .es-breadcrumb__list {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  list-style: none;
  margin: 0;
  padding: 0;
  font-size: 13px;
}

.page-disclaimer .ins-hero__crumb .es-breadcrumb__item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: rgba(255, 255, 255, 0.62);
}

.page-disclaimer .ins-hero__crumb .es-breadcrumb__item + .es-breadcrumb__item::before {
  content: "/";
  color: rgba(216, 178, 124, 0.6);
}

.page-disclaimer .ins-hero__crumb .es-breadcrumb__link {
  color: var(--es-copper-light);
  text-decoration: none;
  border-bottom: 1px solid transparent;
  transition: border-color 180ms var(--es-ease);
}

.page-disclaimer .ins-hero__crumb .es-breadcrumb__link:hover,
.page-disclaimer .ins-hero__crumb .es-breadcrumb__link:focus-visible {
  border-bottom-color: var(--es-copper-light);
}

.page-disclaimer .ins-hero__eyebrow {
  display: inline-block;
  margin: 0 0 14px;
  font-family: var(--es-font-mono);
  font-size: 12px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--es-copper-light);
}

.page-disclaimer .ins-hero__title {
  margin: 0 0 18px;
  font-size: clamp(30px, 6vw, 52px);
  line-height: 1.12;
  font-weight: 800;
  letter-spacing: -0.015em;
  color: #FFFFFF;
  max-width: 20ch;
}

.page-disclaimer .ins-hero__lead {
  margin: 0 0 clamp(22px, 3vw, 30px);
  max-width: 64ch;
  font-size: clamp(15px, 1.6vw, 17px);
  line-height: 1.8;
  color: rgba(255, 255, 255, 0.84);
}

.page-disclaimer .ins-hero__stats {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: 1fr;
  gap: 12px;
}

.page-disclaimer .ins-hero__stats li {
  border: 1px solid rgba(216, 178, 124, 0.38);
  border-left: 3px solid var(--es-copper);
  background: rgba(255, 255, 255, 0.05);
  padding: 12px 16px;
}

.page-disclaimer .ins-hero__stat-num {
  display: block;
  font-family: var(--es-font-mono);
  font-size: 20px;
  line-height: 1.3;
  color: var(--es-copper-light);
  letter-spacing: -0.01em;
}

.page-disclaimer .ins-hero__stat-label {
  display: block;
  margin-top: 4px;
  font-size: 12.5px;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.7);
}

.page-disclaimer .ins-hero__media {
  display: block;
  width: min(100% - (var(--es-gutter) * 2), var(--ins-wrap));
  margin: clamp(24px, 4vw, 40px) auto 0;
  border: 2px solid var(--es-copper);
  box-shadow: var(--es-shadow-hard);
  background: var(--es-blue-deep);
}

.page-disclaimer .ins-hero__media img {
  display: block;
  width: 100%;
  height: auto;
  aspect-ratio: 14 / 5;
  object-fit: cover;
}

/* ---------- 章节通用 ---------- */
.page-disclaimer .ins-section {
  padding: clamp(40px, 7vw, 76px) 0;
}

.page-disclaimer .ins-section--steps {
  padding-top: 0;
}

.page-disclaimer .ins-head {
  display: grid;
  gap: 10px;
  margin-bottom: clamp(22px, 3vw, 34px);
}

.page-disclaimer .ins-head__num {
  font-family: var(--es-font-mono);
  font-size: 12px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--es-copper);
}

.page-disclaimer .ins-head__num--light {
  color: var(--es-copper-light);
}

.page-disclaimer .ins-head__title {
  margin: 0;
  font-size: clamp(24px, 3.6vw, 36px);
  line-height: 1.2;
  font-weight: 800;
  letter-spacing: -0.012em;
}

.page-disclaimer .ins-head__note {
  margin: 0;
  max-width: 62ch;
  font-size: 15px;
  line-height: 1.78;
  color: var(--es-gray);
}

.page-disclaimer .ins-head--light .ins-head__title {
  color: #FFFFFF;
}

.page-disclaimer .ins-head--light .ins-head__note {
  color: rgba(255, 255, 255, 0.76);
}

/* ---------- 五步流程 ---------- */
.page-disclaimer .ins-flow {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 10px;
}

.page-disclaimer .ins-flow__step {
  position: relative;
}

.page-disclaimer .ins-flow__link {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  grid-template-areas:
    "num name"
    "num hint";
  gap: 2px 14px;
  align-items: center;
  padding: 13px 16px;
  text-decoration: none;
  color: inherit;
  background: #FFFFFF;
  border: 1px solid var(--es-mist-2);
  border-left: 4px solid var(--es-copper);
  transition: border-color 180ms var(--es-ease), box-shadow 180ms var(--es-ease), background 180ms var(--es-ease);
}

.page-disclaimer .ins-flow__link:hover,
.page-disclaimer .ins-flow__link:focus-visible {
  border-left-color: var(--es-blue);
  background: var(--es-mist);
  box-shadow: 4px 4px 0 rgba(31, 95, 224, 0.18);
}

.page-disclaimer .ins-flow__num {
  grid-area: num;
  font-family: var(--es-font-mono);
  font-size: 17px;
  font-weight: 700;
  color: var(--es-copper);
}

.page-disclaimer .ins-flow__name {
  grid-area: name;
  font-size: 15px;
  font-weight: 700;
  line-height: 1.4;
  color: var(--es-ink);
}

.page-disclaimer .ins-flow__hint {
  grid-area: hint;
  font-size: 12.5px;
  line-height: 1.5;
  color: var(--es-gray);
}

/* ---------- 步骤详情双栏 ---------- */
.page-disclaimer .ins-cols {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: clamp(20px, 3vw, 34px);
}

.page-disclaimer .ins-cols__side {
  background: var(--es-blue-deep);
  border: 2px solid var(--es-copper);
  box-shadow: var(--es-shadow-copper);
  padding: 18px 16px;
  color: #FFFFFF;
}

.page-disclaimer .ins-side__title {
  margin: 0 0 12px;
  font-family: var(--es-font-mono);
  font-size: 12px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--es-copper-light);
}

.page-disclaimer .ins-index {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 2px;
}

.page-disclaimer .ins-index__link {
  display: grid;
  grid-template-columns: 30px minmax(0, 1fr);
  gap: 10px;
  align-items: baseline;
  padding: 11px 10px;
  text-decoration: none;
  color: rgba(255, 255, 255, 0.78);
  border-left: 2px solid transparent;
  font-size: 14px;
  line-height: 1.5;
  transition: background 160ms var(--es-ease), color 160ms var(--es-ease), border-color 160ms var(--es-ease);
}

.page-disclaimer .ins-index__link:hover,
.page-disclaimer .ins-index__link:focus-visible {
  color: #FFFFFF;
  background: rgba(31, 95, 224, 0.30);
  border-left-color: var(--es-orange);
}

.page-disclaimer .ins-index__num {
  font-family: var(--es-font-mono);
  font-size: 13px;
  color: var(--es-copper-light);
}

.page-disclaimer .ins-steps {
  display: grid;
  gap: 16px;
}

.page-disclaimer .ins-step {
  background: #FFFFFF;
  border: 1px solid var(--es-mist-2);
  border-left: 4px solid var(--es-blue);
  box-shadow: var(--es-shadow);
  padding: clamp(18px, 2.6vw, 26px);
  scroll-margin-top: 150px;
}

.page-disclaimer .ins-step__num {
  display: block;
  margin-bottom: 8px;
  font-family: var(--es-font-mono);
  font-size: 11.5px;
  letter-spacing: 0.22em;
  color: var(--es-copper);
}

.page-disclaimer .ins-step__title {
  margin: 0 0 10px;
  font-size: clamp(18px, 2.2vw, 22px);
  line-height: 1.32;
  font-weight: 800;
  color: var(--es-ink);
}

.page-disclaimer .ins-step__text {
  margin: 0 0 12px;
  font-size: 15px;
  line-height: 1.8;
  color: #223044;
}

.page-disclaimer .ins-step__tip {
  margin: 0;
  padding-left: 12px;
  border-left: 2px solid var(--es-copper);
  font-size: 13.5px;
  line-height: 1.72;
  color: var(--es-gray);
}

/* ---------- 位置速查 ---------- */
.page-disclaimer .ins-locate {
  margin-top: clamp(22px, 3vw, 32px);
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 14px;
}

.page-disclaimer .ins-locate__card {
  background: var(--es-mist);
  border: 2px solid var(--es-copper-light);
  padding: 16px 18px;
}

.page-disclaimer .ins-locate__label {
  display: inline-block;
  margin-bottom: 8px;
  padding: 3px 10px;
  background: var(--es-blue);
  color: #FFFFFF;
  font-family: var(--es-font-mono);
  font-size: 11.5px;
  letter-spacing: 0.14em;
}

.page-disclaimer .ins-locate__text {
  margin: 0;
  font-size: 13.5px;
  line-height: 1.75;
  color: #223044;
}

/* ---------- 会员权益 ---------- */
.page-disclaimer .ins-benefits {
  background: linear-gradient(160deg, var(--es-teal) 0%, #08201F 100%);
  color: #FFFFFF;
  padding: clamp(40px, 6vw, 72px) 0;
  border-top: 8px solid var(--es-copper);
}

.page-disclaimer .ins-benefit-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 14px;
}

.page-disclaimer .ins-benefit {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(216, 178, 124, 0.44);
  border-top: 3px solid var(--es-copper);
  padding: 18px 16px;
}

.page-disclaimer .ins-benefit__code {
  display: block;
  margin-bottom: 10px;
  font-family: var(--es-font-mono);
  font-size: 22px;
  line-height: 1;
  color: var(--es-copper-light);
}

.page-disclaimer .ins-benefit__title {
  margin: 0 0 8px;
  font-size: 17px;
  font-weight: 800;
  line-height: 1.35;
  color: #FFFFFF;
}

.page-disclaimer .ins-benefit__text {
  margin: 0;
  font-size: 13.5px;
  line-height: 1.75;
  color: rgba(255, 255, 255, 0.78);
}

.page-disclaimer .ins-benefits__foot {
  margin: clamp(22px, 3vw, 30px) 0 0;
  padding: 14px 16px;
  border-left: 3px solid var(--es-orange);
  background: rgba(232, 98, 42, 0.12);
  font-size: 14px;
  line-height: 1.78;
  color: rgba(255, 255, 255, 0.86);
  max-width: 72ch;
}

/* ---------- 信息更新 ---------- */
.page-disclaimer .ins-updates {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 12px;
}

.page-disclaimer .ins-updates__item {
  display: grid;
  gap: 8px;
  padding: 16px 18px;
  background: #FFFFFF;
  border: 1px solid var(--es-mist-2);
  border-left: 3px solid var(--es-blue);
  box-shadow: var(--es-shadow);
}

.page-disclaimer .ins-updates__key {
  font-family: var(--es-font-mono);
  font-size: 13px;
  letter-spacing: 0.1em;
  color: var(--es-copper);
}

.page-disclaimer .ins-updates__text {
  margin: 0;
  font-size: 14.5px;
  line-height: 1.8;
  color: #223044;
}

/* ---------- 自查清单 ---------- */
.page-disclaimer .ins-section--checks {
  background: linear-gradient(180deg, rgba(225, 233, 244, 0.55) 0%, rgba(242, 246, 251, 0) 100%);
}

.page-disclaimer .ins-checks {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 10px;
}

.page-disclaimer .ins-check {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  gap: 14px;
  align-items: start;
  padding: 16px;
  background: #FFFFFF;
  border: 1px solid var(--es-mist-2);
  border-left: 3px solid var(--es-copper-light);
  cursor: pointer;
  transition: border-color 180ms var(--es-ease), background 180ms var(--es-ease);
}

.page-disclaimer .ins-check:hover {
  border-left-color: var(--es-blue);
}

.page-disclaimer .ins-check:has(.ins-check__box:checked) {
  background: var(--es-mist);
  border-left-color: var(--es-check);
}

.page-disclaimer .ins-check__box {
  appearance: none;
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  margin: 3px 0 0;
  border: 2px solid var(--es-copper);
  background: #FFFFFF;
  display: grid;
  place-content: center;
  cursor: pointer;
  flex: none;
}

.page-disclaimer .ins-check__box::after {
  content: "";
  width: 10px;
  height: 10px;
  background: var(--es-check);
  transform: scale(0);
  transition: transform 180ms var(--es-ease);
}

.page-disclaimer .ins-check__box:checked::after {
  transform: scale(1);
}

.page-disclaimer .ins-check__box:focus-visible {
  outline: 2px solid var(--es-blue);
  outline-offset: 2px;
}

.page-disclaimer .ins-check__body {
  display: grid;
  gap: 5px;
}

.page-disclaimer .ins-check__title {
  font-size: 15px;
  font-weight: 700;
  line-height: 1.5;
  color: var(--es-ink);
  transition: color 180ms var(--es-ease);
}

.page-disclaimer .ins-check__text {
  font-size: 13.5px;
  line-height: 1.75;
  color: var(--es-gray);
  transition: color 180ms var(--es-ease);
}

.page-disclaimer .ins-check:has(.ins-check__box:checked) .ins-check__title,
.page-disclaimer .ins-check:has(.ins-check__box:checked) .ins-check__text {
  color: var(--es-gray);
}

.page-disclaimer .ins-check:has(.ins-check__box:checked) .ins-check__title {
  text-decoration: line-through;
  text-decoration-color: rgba(92, 107, 128, 0.5);
}

/* ---------- 联系 ---------- */
.page-disclaimer .ins-section--contact {
  padding-bottom: clamp(50px, 8vw, 90px);
}

.page-disclaimer .ins-contact__box {
  display: grid;
  gap: clamp(20px, 3vw, 34px);
  background: linear-gradient(135deg, #123B7A 0%, var(--es-blue) 100%);
  border: 2px solid var(--es-copper);
  box-shadow: var(--es-shadow-copper);
  padding: clamp(24px, 4vw, 44px);
  color: #FFFFFF;
}

.page-disclaimer .ins-contact__title {
  margin: 8px 0 12px;
  font-size: clamp(22px, 3.2vw, 32px);
  line-height: 1.22;
  font-weight: 800;
  color: #FFFFFF;
}

.page-disclaimer .ins-contact__text {
  margin: 0;
  max-width: 56ch;
  font-size: 14.5px;
  line-height: 1.82;
  color: rgba(255, 255, 255, 0.82);
}

.page-disclaimer .ins-contact__list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 10px;
}

.page-disclaimer .ins-contact__item {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  gap: 10px 14px;
  align-items: baseline;
  padding: 11px 14px;
  background: rgba(11, 30, 51, 0.34);
  border-left: 3px solid var(--es-copper-light);
}

.page-disclaimer .ins-contact__key {
  font-size: 12.5px;
  letter-spacing: 0.06em;
  color: rgba(255, 255, 255, 0.68);
  white-space: nowrap;
}

.page-disclaimer .ins-contact__val {
  font-family: var(--es-font-mono);
  font-size: 14.5px;
  line-height: 1.5;
  color: #FFFFFF;
  word-break: break-word;
}

.page-disclaimer .ins-contact__foot {
  margin: clamp(18px, 3vw, 26px) 0 0;
  font-size: 13.5px;
  line-height: 1.9;
  color: var(--es-gray);
}

.page-disclaimer .ins-contact__foot a {
  color: var(--es-blue);
  text-decoration: none;
  border-bottom: 1px solid rgba(31, 95, 224, 0.4);
  transition: border-color 160ms var(--es-ease), color 160ms var(--es-ease);
}

.page-disclaimer .ins-contact__foot a:hover,
.page-disclaimer .ins-contact__foot a:focus-visible {
  color: var(--es-orange);
  border-bottom-color: var(--es-orange);
}

/* ---------- 响应式 ---------- */
@media (min-width: 600px) {
  .page-disclaimer .ins-hero__stats {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .page-disclaimer .ins-benefit-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .page-disclaimer .ins-locate {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

@media (min-width: 900px) {
  .page-disclaimer .ins-flow {
    grid-template-columns: repeat(5, minmax(0, 1fr));
    gap: 0;
    padding-top: 16px;
  }

  .page-disclaimer .ins-flow__step::before {
    content: "";
    position: absolute;
    top: -17px;
    left: 50%;
    width: 13px;
    height: 13px;
    margin-left: -6.5px;
    border-radius: 50%;
    background: var(--es-copper);
    box-shadow: 0 0 0 4px var(--es-mist);
  }

  .page-disclaimer .ins-flow__link {
    grid-template-columns: minmax(0, 1fr);
    grid-template-areas:
      "num"
      "name"
      "hint";
    gap: 6px;
    padding: 20px 16px 22px;
    border: 1px solid var(--es-mist-2);
    border-top: 2px solid var(--es-copper);
    border-left-width: 1px;
    height: 100%;
  }

  .page-disclaimer .ins-flow__link:hover,
  .page-disclaimer .ins-flow__link:focus-visible {
    border-top-color: var(--es-blue);
    border-left-color: var(--es-mist-2);
  }

  .page-disclaimer .ins-cols {
    grid-template-columns: minmax(220px, 280px) minmax(0, 1fr);
    align-items: start;
  }

  .page-disclaimer .ins-cols__side {
    position: sticky;
    top: 132px;
  }

  .page-disclaimer .ins-contact__box {
    grid-template-columns: minmax(0, 1.15fr) minmax(0, 1fr);
    align-items: center;
  }
}

@media (min-width: 1060px) {
  .page-disclaimer .ins-benefit-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

@media (prefers-reduced-motion: reduce) {
  .page-disclaimer *,
  .page-disclaimer *::before,
  .page-disclaimer *::after {
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
  }
}
<<<END>>>