:root {
  --primary: #005eb8;
  --primary-dark: #004585;
  --primary-darker: #00237b;
  --primary-light: #0084ff;
  --visionary: #4262ff;
  --asean-red: #fb002c;
  --text: #212121;
  --muted: #6e6e6e;
  --line: #e5e5e5;
  --bg-gray: #f5f5f5;
  --footer: #071e33;
  --max: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--text);
  background: #fff;
  font-family: "Noto Sans TC", "PingFang TC", "Microsoft JhengHei", sans-serif;
  font-size: 16px;
  line-height: 1.6;
}

a { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; display: block; }
button { font-family: inherit; cursor: pointer; }

.wrap {
  width: min(var(--max), calc(100% - 48px));
  margin: 0 auto;
}

/* top utility bar */
.util {
  border-bottom: 1px solid var(--line);
  background: #fff;
  font-size: 13px;
}
.util-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  min-height: 44px;
}
.util-left, .util-right {
  display: flex;
  align-items: center;
  gap: 22px;
}
.you-are { color: #6e6e6e; margin-right: -8px; }
.util a, .util button.linkish {
  color: var(--text);
  font-weight: 700;
  background: none;
  border: 0;
  padding: 0;
  font-size: 13px;
  letter-spacing: .02em;
}
.util a:hover, .util button.linkish:hover { color: var(--primary); text-decoration: none; }
.caret::after {
  content: "";
  display: inline-block;
  width: 0; height: 0;
  margin-left: 6px;
  border-left: 4px solid transparent;
  border-right: 4px solid transparent;
  border-top: 5px solid currentColor;
  vertical-align: middle;
}
.drop { position: relative; }
.drop-panel {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 240px;
  background: #fff;
  border: 1px solid var(--line);
  box-shadow: 0 12px 32px rgba(0,0,0,.12);
  padding: 16px 18px;
  z-index: 40;
}
.drop-panel.right { left: auto; right: 0; }
.drop:hover .drop-panel, .drop:focus-within .drop-panel { display: block; }
.drop-panel a {
  display: block;
  font-weight: 500;
  padding: 6px 0;
  color: var(--text);
}
.login-btn {
  background: #00237b;
  color: #fff !important;
  padding: 8px 16px;
  border-radius: 0;
  font-weight: 700 !important;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  text-decoration: none !important;
  line-height: 1;
}
.login-btn:hover { background: #001a5c; color: #fff !important; }
.lock {
  display: inline-block;
  width: 14px;
  height: 16px;
  background: currentColor;
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23fff' d='M17 8h-1V6a4 4 0 0 0-8 0v2H7a2 2 0 0 0-2 2v10a2 2 0 0 0 2 2h10a2 2 0 0 0 2-2V10a2 2 0 0 0-2-2zm-7-2a2 2 0 1 1 4 0v2h-4V6zm3 10.7a1.7 1.7 0 1 1 0-3.4 1.7 1.7 0 0 1 0 3.4z'/%3E%3C/svg%3E") center / contain no-repeat;
          mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23fff' d='M17 8h-1V6a4 4 0 0 0-8 0v2H7a2 2 0 0 0-2 2v10a2 2 0 0 0 2 2h10a2 2 0 0 0 2-2V10a2 2 0 0 0-2-2zm-7-2a2 2 0 1 1 4 0v2h-4V6zm3 10.7a1.7 1.7 0 1 1 0-3.4 1.7 1.7 0 0 1 0 3.4z'/%3E%3C/svg%3E") center / contain no-repeat;
}

/* main header */
.header {
  position: sticky;
  top: 0;
  z-index: 30;
  background: #fff;
  border-bottom: 1px solid #eee;
}
.header-inner {
  display: flex;
  align-items: center;
  gap: 28px;
  min-height: 76px;
}
.header-tools {
  margin-left: auto;
  display: flex;
  align-items: stretch;
  align-self: stretch;
}
.mobile-login { display: none; }
.logo img { width: 148px; height: auto; }
.nav {
  display: flex;
  align-items: center;
  gap: 4px;
  flex: 1;
}
.nav > a, .nav .nav-item > button {
  color: var(--text);
  font-weight: 500;
  padding: 26px 14px;
  background: none;
  border: 0;
  font-size: 15px;
}
.nav > a:hover, .nav .nav-item > button:hover,
.nav > a.active {
  color: var(--primary);
  text-decoration: none;
}
.nav-item { position: relative; }
.mega {
  display: none;
  position: absolute;
  left: 0;
  top: 100%;
  background: #fff;
  min-width: 860px;
  padding: 28px 32px 32px;
  box-shadow: 0 16px 40px rgba(0,0,0,.12);
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.nav-item:hover .mega, .nav-item:focus-within .mega { display: grid; }
.mega h6 {
  margin: 0 0 12px;
  font-size: 12px;
  letter-spacing: .08em;
  color: var(--muted);
}
.mega a { display: block; color: var(--text); padding: 6px 0; font-size: 14px; }
.mega a:hover { color: var(--primary); text-decoration: none; }
.mega a.current { color: var(--primary); font-weight: 700; }

/* breadcrumb */
.crumb {
  padding: 16px 0 10px;
  font-size: 13px;
  color: var(--text);
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 6px;
}
.crumb a { color: var(--primary); }
.crumb a:hover { text-decoration: underline; }
.crumb .sep { color: #bbb; font-size: 16px; line-height: 1; }
.crumb span:last-child { color: var(--text); }

/* hero */
.hero {
  display: grid;
  grid-template-columns: 1fr 1.05fr;
  gap: 48px;
  align-items: center;
  padding: 20px 0 40px;
}
.hero-copy { order: 1; }
.hero-img { order: 2; width: 100%; border-radius: 10px; object-fit: cover; max-height: 360px; }
.hero h1 {
  margin: 0 0 16px;
  font-size: 52px;
  line-height: 1.15;
  font-weight: 700;
  letter-spacing: -.02em;
  color: var(--primary);
}
.hero p {
  margin: 0;
  font-size: 20px;
  color: #333;
}

/* sticky product tabs */
.tabs-wrap {
  position: sticky;
  top: 76px;
  z-index: 20;
  background: #fff;
  border-bottom: 1px solid var(--line);
}
.tabs {
  display: flex;
  justify-content: center;
  gap: 8px;
}
.tabs a {
  position: relative;
  color: var(--text);
  font-weight: 500;
  padding: 16px 22px;
}
.tabs a:hover { color: var(--primary); text-decoration: none; }
.tabs a.active {
  color: var(--primary);
  font-weight: 700;
}
.tabs a.active::after {
  content: "";
  position: absolute;
  left: 12px; right: 12px; bottom: -1px;
  height: 3px;
  background: var(--primary);
}

section { padding: 72px 0; }
.center { text-align: center; }
h2.sec {
  margin: 0 0 18px;
  font-size: 36px;
  font-weight: 700;
  color: var(--primary);
}
.lead { margin: 0 auto; max-width: 720px; color: #333; font-size: 18px; }
.bg { background: var(--bg-gray); }

.features {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  margin-top: 40px;
}
.feature { text-align: center; }
.feature img { width: 88px; height: 88px; margin: 0 auto 18px; }
.feature h3 { margin: 0 0 10px; font-size: 20px; }
.feature p { margin: 0 auto; max-width: 280px; color: #444; font-size: 15px; }
.more { display: inline-block; margin-top: 12px; font-weight: 600; }

.fee-note { margin: 0 auto 28px; max-width: 820px; color: #444; }
table.fees {
  width: min(720px, 100%);
  margin: 0 auto;
  border-collapse: collapse;
  background: #fff;
}
table.fees th, table.fees td {
  border: 1px solid #d6d8d9;
  padding: 14px 18px;
  text-align: left;
}
table.fees th { background: #edf5ff; color: var(--primary-darker); }
table.fees tr:nth-child(even) td { background: #fafafa; }

.acc {
  width: min(920px, 100%);
  margin: 28px auto 0;
  border-top: 1px solid var(--line);
}
.acc-head {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: none;
  border: 0;
  border-bottom: 1px solid var(--line);
  padding: 18px 4px;
  font-size: 18px;
  font-weight: 600;
  text-align: left;
}
.acc-head span { color: var(--primary); font-size: 22px; line-height: 1; }
.acc-body { padding: 8px 4px 20px; }
.acc-body ul { margin: 0; padding-left: 22px; }
.acc-body li { margin: 10px 0; }

.contact {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  margin-top: 36px;
}
.contact-item { text-align: center; }
.contact-item img { width: 88px; height: 88px; margin: 0 auto 16px; }
.contact-item h3 { margin: 0 0 10px; font-size: 24px; }

.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 36px;
}
.card {
  background: #fff;
  border-radius: 10px;
  box-shadow: 0 8px 24px rgba(0,0,0,.08);
  overflow: hidden;
  display: flex;
  flex-direction: column;
}
.card img { width: 100%; height: 180px; object-fit: cover; }
.card-body { padding: 22px 22px 8px; flex: 1; }
.card h4 { margin: 0 0 10px; font-size: 20px; }
.card p { margin: 0; color: #444; }
.card-foot { padding: 8px 22px 24px; text-align: center; }
.btn {
  display: inline-block;
  background: var(--primary);
  color: #fff;
  border: 0;
  border-radius: 2px;
  padding: 10px 22px;
  font-weight: 700;
}
.btn:hover { background: var(--primary-dark); color: #fff; text-decoration: none; }

footer {
  background: var(--footer);
  color: #cfd8e3;
  padding: 48px 0 24px;
}
.foot-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
footer h6 {
  margin: 0 0 14px;
  color: #fff;
  letter-spacing: .08em;
  font-size: 13px;
}
footer a { color: #cfd8e3; display: block; padding: 4px 0; }
footer a:hover { color: #fff; }
.foot-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  margin-top: 28px;
  padding-top: 18px;
  border-top: 1px solid rgba(255,255,255,.15);
  font-size: 13px;
}
.social { display: flex; gap: 12px; }
.social a {
  width: 32px; height: 32px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,.35);
  display: grid; place-items: center;
  color: #fff;
  font-size: 12px;
  font-weight: 700;
}
.social a:hover { background: #fff; color: var(--footer); text-decoration: none; }

.cookie {
  position: fixed;
  left: 24px; right: 24px; bottom: 24px;
  max-width: 720px;
  margin: 0 auto;
  background: #fff;
  border-radius: 10px;
  box-shadow: 0 12px 40px rgba(0,0,0,.18);
  padding: 16px 18px;
  display: flex;
  gap: 16px;
  align-items: center;
  z-index: 50;
}
.cookie p { margin: 0; font-size: 14px; }
.cookie button {
  margin-left: auto;
  border: 0;
  background: none;
  font-size: 22px;
  line-height: 1;
  color: #666;
}

.toast {
  position: fixed;
  top: 96px;
  left: 50%;
  transform: translateX(-50%);
  background: #071e33;
  color: #fff;
  padding: 10px 18px;
  border-radius: 4px;
  z-index: 80;
  font-size: 14px;
}

.tabs-mobile { display: none; }

.menu-btn { display: none; }

@media (max-width: 980px) {
  .wrap { width: calc(100% - 32px); }
  .util { display: none; }
  .nav { display: none; }
  .mobile-login { display: flex; }
  .header-inner {
    min-height: 56px;
    gap: 8px;
    padding: 0;
    width: 100%;
  }
  .header .wrap { width: 100%; padding-left: 16px; }
  .logo { display: flex; align-items: center; }
  .logo img { width: 118px; }
  .header-tools { margin-left: auto; }
  .mobile-login { align-self: stretch; }
  .mobile-login .login-btn {
    height: 100%;
    padding: 0 14px;
    font-size: 15px;
    font-weight: 500 !important;
  }
  .menu-btn {
    display: grid;
    place-items: center;
    width: 56px;
    background: none;
    border: 0;
    padding: 0;
  }
  .menu-btn .ico-close { display: none; }
  .menu-btn.open .ico-menu { display: none; }
  .menu-btn.open .ico-close { display: block; }

  .hero {
    grid-template-columns: 1fr;
    gap: 18px;
    padding: 12px 0 8px;
  }
  .hero-img { order: -1; max-height: none; border-radius: 10px; }
  .hero h1 { font-size: 34px; }
  .hero p { font-size: 16px; }

  .tabs { display: none; }
  .tabs-mobile { display: block; position: relative; }
  .tabs-select {
    width: 100%;
    background: none;
    border: 0;
    border-bottom: 3px solid var(--primary);
    color: var(--primary);
    font-size: 16px;
    font-weight: 600;
    text-align: left;
    padding: 12px 0;
  }
  .tabs-select::after {
    content: "";
    display: inline-block;
    margin-left: 8px;
    border-left: 5px solid transparent;
    border-right: 5px solid transparent;
    border-top: 6px solid var(--primary);
    vertical-align: middle;
  }
  .tabs-mobile-menu {
    display: none;
    position: absolute;
    left: 0; right: 0; top: 100%;
    background: #fff;
    box-shadow: 0 10px 24px rgba(0,0,0,.1);
    z-index: 25;
  }
  .tabs-mobile.open .tabs-mobile-menu { display: block; }
  .tabs-mobile-menu a {
    display: block;
    padding: 12px 14px;
    color: var(--text);
    border-bottom: 1px solid #f0f0f0;
  }
  .tabs-mobile-menu a.active { color: var(--primary); font-weight: 700; }

  .tabs-wrap { top: 56px; }
  h2.sec { font-size: 28px; }
  section { padding: 48px 0; }

  .features, .contact, .cards, .foot-grid { grid-template-columns: 1fr; }

  .nav.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    left: 0; right: 0; top: 56px;
    background: #fff;
    padding: 8px 20px 24px;
    box-shadow: 0 12px 24px rgba(0,0,0,.08);
    max-height: calc(100vh - 56px);
    overflow: auto;
  }
  .nav.open .mega { position: static; display: none; min-width: 0; box-shadow: none; padding: 0 0 8px 12px; }
  .nav.open > a, .nav.open .nav-item > button { padding: 12px 0; text-align: left; border-bottom: 1px solid #f2f2f2; }
}