:root{--ink:#0B1B2B;--navy:#12314F;--navy2:#1E3A5F;--accent:#2E8B8B;--blue:#3B82C4;--gold:#C79A3C;--paper:#F7F9FB;--line:#DCE4EC;--steel:#5A7189;--white:#fff}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:"Noto Sans TC",sans-serif;color:var(--ink);background:var(--white);line-height:1.75;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:"Space Grotesk","Noto Sans TC",sans-serif;line-height:1.25;letter-spacing:-.015em}
a{color:inherit}.wrap{width:min(1120px,calc(100% - 48px));margin:auto}
.site-header{height:72px;border-bottom:1px solid var(--line);background:rgba(255,255,255,.94);position:sticky;top:0;z-index:20;backdrop-filter:blur(10px)}
.site-header .wrap{height:100%;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:11px;text-decoration:none;font-weight:800;font-size:18px}.brand img{width:36px;height:36px;border-radius:8px}.brand small{display:block;color:var(--steel);font:600 10px/1.2 Arial;letter-spacing:.14em}.nav{display:flex;align-items:center;gap:24px}.nav a{font-size:14px;text-decoration:none;color:var(--navy2);font-weight:600}.nav .primary{background:var(--navy);color:#fff;padding:9px 15px;border-radius:9px}
.hero{padding:70px 0 76px;background:radial-gradient(800px 450px at 92% -5%,rgba(46,139,139,.16),transparent 64%),linear-gradient(180deg,var(--paper),#fff)}
.crumbs{font-size:13px;color:var(--steel);margin-bottom:28px}.crumbs a{color:var(--blue);text-decoration:none}.crumbs span{margin:0 8px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:64px;align-items:center}.kicker{display:inline-block;color:var(--accent);font-weight:800;font-size:13px;letter-spacing:.14em;margin-bottom:16px}.hero h1{font-size:clamp(38px,5vw,58px);margin-bottom:22px}.lead{font-size:19px;color:var(--navy2);max-width:700px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.btn{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;font-weight:800;border-radius:10px;padding:12px 20px;border:1px solid var(--line)}.btn.primary{background:var(--navy);color:#fff;border-color:var(--navy)}.btn.secondary{background:#fff;color:var(--navy)}
.answer{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:0 22px 56px rgba(18,49,79,.11)}.answer .label{font-size:12px;color:var(--accent);font-weight:800;letter-spacing:.12em}.answer h2{font-size:22px;margin:10px 0 12px}.answer p{color:var(--navy2);font-size:15px}.answer ul{list-style:none;margin-top:18px;display:grid;gap:10px}.answer li{display:flex;gap:9px;font-size:14px;color:var(--steel)}.answer li::before{content:"✓";color:var(--accent);font-weight:900}
.section{padding:78px 0}.section.paper{background:var(--paper)}.section-head{max-width:760px;margin-bottom:38px}.section h2{font-size:34px;margin-bottom:14px}.section-head p{font-size:17px;color:var(--navy2)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:25px}.card .num{color:var(--accent);font:800 13px Arial;letter-spacing:.1em}.card h3{font-size:20px;margin:9px 0 11px}.card p,.card li{font-size:15px;color:var(--steel)}.card ul{margin:12px 0 0 20px}.card li{margin:6px 0}
.fact{border-left:4px solid var(--accent);background:#fff;border-radius:0 14px 14px 0;padding:24px 26px;margin-top:26px}.fact strong{display:block;color:var(--navy);font-size:18px;margin-bottom:7px}.fact p{color:var(--steel)}
.steps{counter-reset:step;display:grid;gap:14px}.step{counter-increment:step;display:grid;grid-template-columns:48px 1fr;gap:16px;align-items:start;padding:20px 22px;border:1px solid var(--line);background:#fff;border-radius:14px}.step::before{content:counter(step,decimal-leading-zero);width:48px;height:48px;border-radius:12px;background:#E7F3F3;color:var(--accent);display:grid;place-items:center;font:bold 15px Arial}.step h3{font-size:19px;margin-bottom:5px}.step p{color:var(--steel);font-size:15px}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:14px}.table{width:100%;border-collapse:collapse;background:#fff;min-width:680px}.table th,.table td{text-align:left;padding:15px 17px;border-bottom:1px solid var(--line);vertical-align:top}.table th{background:var(--navy);color:#fff;font-size:14px}.table td{font-size:14px;color:var(--navy2)}.table tr:last-child td{border-bottom:0}
.scenarios{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.scenario{border:1px solid var(--line);border-radius:14px;padding:20px;background:#fff}.scenario b{display:block;color:var(--navy);margin-bottom:6px}.scenario span{font-size:14px;color:var(--steel)}
.faq{display:grid;gap:12px}.faq details{background:#fff;border:1px solid var(--line);border-radius:12px}.faq summary{cursor:pointer;padding:18px 20px;font-weight:800;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq p{padding:0 20px 19px;color:var(--steel)}
.cta{padding:68px 0;background:var(--navy);color:#fff}.cta .wrap{display:flex;align-items:center;justify-content:space-between;gap:36px}.cta h2{font-size:32px;margin-bottom:10px}.cta p{color:#C6D4E2}.cta .btn{background:var(--accent);border-color:var(--accent);color:#fff;white-space:nowrap}
.site-footer{background:var(--ink);color:#8296AB;padding:30px 0;font-size:13px}.site-footer .wrap{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}.site-footer a{color:#B9C9D8}
@media(max-width:820px){.nav a:not(.primary){display:none}.hero{padding:46px 0 58px}.hero-grid{grid-template-columns:1fr;gap:34px}.hero h1{font-size:38px}.section{padding:58px 0}.grid3,.grid2,.scenarios{grid-template-columns:1fr}.cta .wrap{align-items:flex-start;flex-direction:column}.cta .btn{width:100%}.section h2{font-size:28px}}
@media(max-width:480px){.wrap{width:min(100% - 32px,1120px)}.brand{font-size:16px}.brand small{font-size:9px}.nav .primary{font-size:13px;padding:8px 11px}.hero h1{font-size:34px}.lead{font-size:17px}.actions{flex-direction:column}.actions .btn{width:100%}.answer{padding:22px}.step{grid-template-columns:42px 1fr;padding:18px 16px}.step::before{width:42px;height:42px}.cta h2{font-size:28px}}