@import url('https://fonts.googleapis.com/css2?family=Noto+Sans+TC:wght@300;400;500;700&family=Noto+Serif+TC:wght@400;700;900&display=swap');

:root{
  --bg:#F8F4EC;--surface:#FFFDF9;--surface-alt:#F3E8D2;
  --navy:#0E1B2E;--slate:#3A4D63;--coral:#FF5E5B;--coral-deep:#E4433F;
  --border:rgba(14,27,46,.16);--border-light:rgba(14,27,46,.09);
  --serif:'Noto Serif TC',serif;--sans:'Noto Sans TC',sans-serif;
  --shadow:0 1px 3px rgba(14,27,46,.08);--shadow-md:0 12px 28px -14px rgba(14,27,46,.28);
}
*{box-sizing:border-box}html{scroll-behavior:smooth;overflow-x:clip}body{margin:0;background:var(--bg);color:var(--navy);font:15px/1.8 var(--sans);overflow-x:hidden;-webkit-font-smoothing:antialiased}
a{color:inherit}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid rgba(255,94,91,.45);outline-offset:2px}.num{font-variant-numeric:tabular-nums}
nav{position:sticky;top:0;z-index:10;display:flex;align-items:center;justify-content:space-between;gap:18px;padding:13px 24px;border-bottom:1px solid var(--border-light);background:rgba(248,244,236,.95);backdrop-filter:blur(10px)}
nav::before{position:absolute;top:0;left:0;width:120px;height:2px;background:var(--coral);content:''}.brand{display:flex;align-items:center;gap:9px;text-decoration:none;white-space:nowrap}.brand img{width:32px;height:32px;border-radius:5px}.brand strong{font:900 20px/1 var(--serif)}.brand span{padding-left:9px;border-left:1px solid var(--border);font-size:11px;letter-spacing:.14em;color:var(--slate)}
.nav-links{display:flex;align-items:center;gap:17px}.nav-links a{padding:6px 0;border-bottom:1px solid transparent;color:var(--slate);font-size:12px;letter-spacing:.04em;text-decoration:none;white-space:nowrap}.nav-links a:hover,.nav-links a[aria-current='page']{color:var(--navy);border-bottom-color:var(--coral)}
.wrap{width:min(960px,calc(100% - 48px));margin:auto}.hero{position:relative;padding:72px 0 56px;overflow:hidden;background:radial-gradient(680px 340px at 92% 0,rgba(255,94,91,.12),transparent 64%),var(--bg)}.hero::before{position:absolute;inset:0;background:repeating-linear-gradient(180deg,transparent 0 31px,rgba(14,27,46,.045) 31px 32px);content:'';pointer-events:none}.hero .wrap{position:relative}.eyebrow{display:flex;align-items:center;gap:10px;margin:0 0 15px;color:var(--slate);font-size:11px;letter-spacing:.16em}.eyebrow::before{width:28px;height:1px;background:var(--coral);content:''}.hero h1{max-width:760px;margin:0;font:900 clamp(31px,6vw,50px)/1.23 var(--serif);letter-spacing:-.025em}.hero h1 em{font-style:normal;background:linear-gradient(transparent 78%,rgba(255,94,91,.42) 0)}.hero p{max-width:650px;margin:15px 0 0;color:var(--slate);font-size:16px}.hero-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}.button{display:inline-flex;min-height:44px;align-items:center;justify-content:center;padding:10px 21px;border:1px solid var(--navy);background:var(--navy);color:#fff;font-size:14px;font-weight:500;text-decoration:none;transition:transform .15s,background .15s}.button:hover{background:var(--coral-deep);border-color:var(--coral-deep);transform:translateY(-2px)}.button.alt{background:transparent;color:var(--navy);border-color:var(--border)}.button.alt:hover{background:rgba(14,27,46,.06);border-color:var(--navy)}
.breadcrumb{padding:13px 0;border-bottom:1px solid var(--border-light);font-size:12px;color:var(--slate)}.breadcrumb a{color:var(--slate);text-decoration:none}.breadcrumb a:hover{text-decoration:underline}.breadcrumb span{margin:0 7px;color:var(--coral)}
main{padding:44px 0 72px}.prose{width:min(720px,calc(100% - 32px));margin:auto}.prose h2{margin:48px 0 14px;padding-top:12px;border-top:2px solid var(--navy);font:700 clamp(22px,4vw,29px)/1.35 var(--serif);letter-spacing:-.015em}.prose h3{margin:28px 0 7px;font:700 18px/1.5 var(--serif)}.prose p{margin:0 0 15px}.prose strong{font-weight:700}.prose ul,.prose ol{margin:0 0 18px;padding-left:1.35em}.prose li{margin:7px 0}.lead{margin-bottom:32px!important;font:400 18px/1.9 var(--serif);color:var(--slate)}.note{margin:24px 0;padding:17px 19px;border:1px solid var(--border);border-left:3px solid var(--coral);background:var(--surface);box-shadow:var(--shadow);color:var(--slate)}.note b{display:block;margin-bottom:4px;color:var(--navy);font-family:var(--serif)}.cite{display:block;margin:8px 0 18px;color:var(--slate);font-size:12px;line-height:1.7;text-decoration:none}.cite::before{content:'出處｜';color:var(--coral-deep);font-weight:700}.cite:hover{text-decoration:underline}.law-more{display:inline-block;margin:2px 0 18px;color:var(--navy);font-size:13px;text-decoration-color:var(--coral);text-underline-offset:3px}
.steps{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:20px 0 28px}.step{min-width:0;padding:17px;border:1px solid var(--border-light);border-top:3px solid var(--navy);background:var(--surface);box-shadow:var(--shadow)}.step b{display:block;margin-bottom:4px;font:700 16px/1.5 var(--serif)}.step span{display:block;color:var(--slate);font-size:13px}.step small{display:block;margin-bottom:5px;color:var(--coral-deep);font-size:11px;font-weight:700;letter-spacing:.1em}.checklist{margin:20px 0;padding:0;list-style:none;border-top:1px solid var(--border)}.checklist li{position:relative;margin:0;padding:13px 0 13px 27px;border-bottom:1px solid var(--border-light)}.checklist li::before{position:absolute;left:2px;top:15px;width:13px;height:13px;border:1px solid var(--coral);content:''}.faq{margin-top:44px;padding-top:6px;border-top:2px solid var(--coral)}.faq h2{border:0;margin-top:20px;padding:0}.faq details{padding:13px 0;border-bottom:1px solid var(--border-light)}.faq summary{cursor:pointer;font-weight:700}.faq p{margin:9px 0 0;color:var(--slate)}
.index-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px;margin-top:30px}.guide-card{position:relative;min-width:0;padding:23px 22px;border:1px solid var(--border-light);border-top:3px solid var(--navy);background:var(--surface);box-shadow:var(--shadow);text-decoration:none;transition:box-shadow .15s,transform .15s}.guide-card:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}.guide-card small{color:var(--coral-deep);font-weight:700;letter-spacing:.1em}.guide-card h2{margin:6px 0 8px;font:700 20px/1.4 var(--serif)}.guide-card p{margin:0;color:var(--slate);font-size:13px}.guide-card .arrow{display:block;margin-top:14px;color:var(--navy);font-size:13px;font-weight:700}.guide-card.tool{border-top-color:var(--coral)}
.source-strip{margin-top:38px;padding:18px 20px;border-top:2px solid var(--navy);background:var(--surface-alt);font-size:13px;color:var(--slate)}.source-strip b{color:var(--navy)}
.loan-layout{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(280px,.9fr);gap:22px;align-items:start}.panel{min-width:0;padding:25px;border:1px solid var(--border);background:var(--surface);box-shadow:var(--shadow)}.panel h2{margin:0 0 17px;font:700 22px/1.4 var(--serif)}.field-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px}.field{min-width:0;margin:0 0 15px}.field label{display:block;margin-bottom:6px;font-size:13px;font-weight:700}.field input,.field select{width:100%;min-height:44px;padding:9px 11px;border:1px solid var(--border);border-radius:0;background:#fff;color:var(--navy);font:15px var(--sans)}.field input:focus,.field select:focus{border-color:var(--coral)}.input-note{margin-top:5px;color:var(--slate);font-size:11px;line-height:1.6}.radios{display:flex;flex-wrap:wrap;gap:9px 16px;padding:4px 0}.radios label{display:flex;align-items:center;gap:6px;margin:0;font-weight:400}.calculate{width:100%;min-height:48px;border:1px solid var(--coral);background:var(--coral);color:#fff;cursor:pointer;font:700 15px var(--sans);transition:background .15s}.calculate:hover{background:var(--coral-deep)}.notice{margin-top:15px;color:var(--slate);font-size:12px}.result-top{padding:18px 0;border-bottom:1px solid var(--border-light)}.result-top small{color:var(--slate)}.result-top b{display:block;margin-top:5px;font:900 31px/1.2 var(--serif);font-variant-numeric:tabular-nums}.result-list{margin:0;padding:0;list-style:none}.result-list li{display:flex;justify-content:space-between;gap:12px;padding:13px 0;border-bottom:1px solid var(--border-light);font-size:13px}.result-list span{color:var(--slate)}.result-list b{font-variant-numeric:tabular-nums;white-space:nowrap}.schedule{margin-top:20px}.schedule summary{cursor:pointer;font-weight:700}.schedule table,.location-table{width:100%;margin-top:12px;border-collapse:collapse;font-size:12px}.schedule th,.schedule td,.location-table th,.location-table td{padding:8px 6px;border-bottom:1px solid var(--border-light);text-align:right;font-variant-numeric:tabular-nums}.schedule th:first-child,.schedule td:first-child,.location-table th:first-child,.location-table td:first-child{text-align:left}.rate-source{margin:0 0 13px;color:var(--slate);font-size:12px}.youth{margin:28px 0;padding:20px;border:1px solid var(--border);border-left:3px solid var(--coral);background:var(--surface-alt)}.youth h2{margin:0 0 8px;font:700 20px/1.4 var(--serif)}.youth p{margin:7px 0;color:var(--slate);font-size:13px}.youth a{color:var(--navy);text-decoration-color:var(--coral);text-underline-offset:3px}.location-section{margin:28px 0}.location-section h2{margin-bottom:5px;font:700 20px/1.4 var(--serif)}
footer{padding:36px 24px;border-top:1px solid var(--border-light);background:var(--surface-alt);text-align:center;color:var(--slate);font-size:12px}footer a{color:var(--navy);text-decoration:none}footer a:hover{text-decoration:underline}.footer-brand{display:flex;align-items:center;justify-content:center;gap:8px;margin-bottom:8px;color:var(--navy)}.footer-brand b{font:700 16px var(--serif)}
@media(max-width:700px){nav{padding:12px 16px}.brand span{display:none}.nav-links{min-width:0;gap:12px;overflow-x:auto}.nav-links a{flex:0 0 auto;font-size:12px}.wrap{width:min(100% - 32px,960px)}.hero{padding:54px 0 44px}.hero p{font-size:15px}.breadcrumb{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.steps,.index-grid,.loan-layout,.field-grid{grid-template-columns:minmax(0,1fr)}main{padding-top:30px}.prose h2{margin-top:38px}.loan-layout{gap:16px}.panel{padding:20px}.hero-actions .button{width:100%}.location-table{font-size:11px}.location-table th,.location-table td{padding:7px 4px}}
@media(max-width:420px){nav{gap:10px}.brand{gap:0}.brand strong{display:none}.nav-links{gap:10px;overflow:visible}.nav-links a{padding:11px 0}.source-strip{padding:16px}}

footer a,.breadcrumb a{display:inline-flex;align-items:center;min-height:44px}.faq summary{padding:9px 0}.cite{padding:10px 0;margin:0 0 8px}.schedule td{white-space:nowrap}