:root{
  --bg:#f7f7f5;
  --text:#1e1f22;
  --muted:#666b73;
  --line:#e6e3dc;
  --accent:#b40f17;
  --accent-dark:#8e0b11;
  --soft:#fff6f3;
  --gold:#e7b548;
  --card:#ffffff;
  --shadow:0 14px 40px rgba(20,20,20,.08);
  --radius:18px;
  --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI","PingFang TC","Noto Sans TC","Microsoft JhengHei",sans-serif;
  color:var(--text);
  background:linear-gradient(180deg,#fcfbf9 0%,#f7f7f5 100%);
  line-height:1.7;
}
img{max-width:100%;display:block}
a{text-decoration:none;color:inherit}
.container{width:min(calc(100% - 32px),var(--max));margin:0 auto}
.header{
  position:sticky;top:0;z-index:10;
  backdrop-filter:saturate(180%) blur(12px);
  background:rgba(252,251,249,.82);
  border-bottom:1px solid rgba(230,227,220,.7);
}
.header-inner{
  display:flex;align-items:center;justify-content:space-between;gap:20px;
  padding:14px 0;
}
.brand{
  display:flex;align-items:center;gap:12px;font-weight:800;font-size:18px;
}
.brand-mark{
  width:38px;height:38px;border-radius:12px;
  background:linear-gradient(135deg,var(--accent),#cf3138);
  display:grid;place-items:center;color:#fff;font-weight:900;
  box-shadow:0 10px 24px rgba(180,15,23,.25);
}
.header-cta{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  background:var(--accent);color:#fff;padding:12px 18px;border-radius:999px;
  font-weight:800;box-shadow:0 10px 24px rgba(180,15,23,.25);white-space:nowrap;
}
.hero{
  padding:42px 0 26px;
}
.hero-wrap{
  display:grid;grid-template-columns:1.05fr .95fr;gap:34px;align-items:center;
}
.kicker{
  display:inline-flex;align-items:center;gap:8px;
  padding:8px 12px;border-radius:999px;background:#fff;border:1px solid var(--line);
  font-size:14px;color:var(--accent-dark);font-weight:800;
}
.hero h1{
  margin:16px 0 12px;font-size:clamp(34px,6vw,58px);line-height:1.12;letter-spacing:-.02em;
}
.hero p{
  margin:0 0 18px;color:var(--muted);font-size:18px;max-width:640px;
}
.hero-points{
  display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:24px 0;
}
.point{
  background:var(--card);border:1px solid var(--line);border-radius:16px;padding:14px 14px 12px;box-shadow:var(--shadow);
}
.point strong{display:block;font-size:16px;margin-bottom:4px}
.point span{display:block;color:var(--muted);font-size:14px;line-height:1.5}
.cta-group{display:flex;flex-direction:column;align-items:flex-start;gap:8px}
.cta{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  min-height:54px;padding:0 24px;border-radius:999px;background:var(--accent);
  color:#fff;font-size:18px;font-weight:900;box-shadow:0 12px 30px rgba(180,15,23,.28);
}
.cta:hover{background:var(--accent-dark)}
.cta-sub{font-size:14px;color:var(--muted)}
.hero-card{
  background:radial-gradient(circle at top left,#2c2c2d 0%,#151516 62%,#09090a 100%);
  border-radius:26px;padding:22px;box-shadow:0 22px 60px rgba(10,10,10,.28);
  position:relative;overflow:hidden;
}
.hero-card:before{
  content:"";position:absolute;inset:auto -20% -25% auto;width:240px;height:240px;
  background:radial-gradient(circle,var(--accent) 0%,rgba(180,15,23,0) 68%);
  opacity:.24;filter:blur(10px);
}
.hero-card img{border-radius:18px}
.hero-note{
  margin-top:14px;color:#c9cbcf;font-size:13px;line-height:1.6
}
.section{padding:30px 0}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.card{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px;
  box-shadow:var(--shadow);
}
.card h2,.section h2{margin:0 0 10px;font-size:clamp(24px,4vw,36px);line-height:1.2}
.card p,.section p{margin:0;color:var(--muted)}
.list{display:grid;gap:12px;margin:18px 0 0;padding:0;list-style:none}
.list li{
  background:#fff;border:1px solid var(--line);border-radius:16px;padding:15px 16px;
  display:flex;gap:12px;align-items:flex-start;box-shadow:var(--shadow);
}
.badge{
  flex:0 0 auto;width:28px;height:28px;border-radius:999px;background:var(--soft);color:var(--accent);
  display:grid;place-items:center;font-weight:900;font-size:14px
}
.topics{
  display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:18px
}
.topic{
  background:linear-gradient(180deg,#fff 0%,#fffaf8 100%);
  border:1px solid var(--line);border-radius:16px;padding:16px 16px 14px;box-shadow:var(--shadow)
}
.topic strong{display:block;margin-bottom:6px;font-size:16px}
.topic span{color:var(--muted);font-size:14px;line-height:1.6}
.strip{
  margin-top:24px;background:linear-gradient(135deg,var(--accent),#d3272f);
  color:#fff;border-radius:24px;padding:26px;box-shadow:0 18px 42px rgba(180,15,23,.28)
}
.strip-inner{
  display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap
}
.strip h3{margin:0;font-size:clamp(24px,4vw,34px);line-height:1.2}
.strip p{margin:8px 0 0;color:rgba(255,255,255,.92)}
.strip .cta{background:#fff;color:var(--accent);box-shadow:none}
.faq details,.provider details{
  background:#fff;border:1px solid var(--line);border-radius:16px;padding:0 18px;margin:12px 0;box-shadow:var(--shadow)
}
.faq summary,.provider summary{
  cursor:pointer;list-style:none;font-weight:800;padding:18px 0;display:flex;align-items:center;justify-content:space-between;gap:12px
}
.faq summary::-webkit-details-marker,.provider summary::-webkit-details-marker{display:none}
.details-content{padding:0 0 18px;color:var(--muted)}
.footer{
  padding:36px 0 56px;color:var(--muted)
}
.footer-top{
  display:flex;align-items:flex-start;justify-content:space-between;gap:20px;flex-wrap:wrap;
  padding-top:22px;border-top:1px solid var(--line)
}
.footer-links{display:flex;gap:16px;flex-wrap:wrap}
.muted-small{font-size:13px;color:var(--muted)}
.provider[hidden]{display:none!important}
.mobile-bar{
  position:fixed;left:0;right:0;bottom:0;z-index:20;
  padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:rgba(252,251,249,.94);
  backdrop-filter:saturate(180%) blur(12px);border-top:1px solid rgba(230,227,220,.9);display:none
}
.mobile-bar .cta{width:100%}
.spacer{height:0}
@media (max-width: 940px){
  .hero-wrap,.grid-2{grid-template-columns:1fr}
  .hero-points{grid-template-columns:1fr}
  .topics{grid-template-columns:1fr}
}
@media (max-width: 768px){
  .header-cta{display:none}
  .hero{padding:24px 0 18px}
  .card{padding:22px}
  .mobile-bar{display:block}
  .spacer{height:88px}
}
.brand-logo{width:76px;height:auto;object-fit:contain;display:block}
.brand-sub{font-size:12px;color:var(--muted);font-weight:600;line-height:1.4}
.section-soft{background:linear-gradient(180deg,#fffaf8 0%,#f7f7f5 100%)}
.flow-card .badge{width:auto;min-width:64px;padding:0 8px;border-radius:999px}
.provider-info{padding-top:8px}
.provider-box{background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px 20px;box-shadow:var(--shadow)}
.provider-title{font-weight:800;margin-bottom:6px}
@media (max-width:768px){.brand-logo{width:62px}.brand{align-items:flex-start}.brand-sub{font-size:11px}}