:root {
  --navy: #191970;
  --navy-dark: #0b1a4a;
  --navy-mid: #24308a;
  --text: #222222;
  --muted: #5b6170;
  --line: #e4e7ee;
  --bg: #f5f7fa;
  --white: #ffffff;
  --radius: 14px;
  --header-h: 76px;
  --max: 1180px;
}

*,
*::before,
*::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Noto Sans TC", "Microsoft JhengHei", sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.7;
}

img { max-width: 100%; height: auto; display: block; }

a { color: var(--navy); }

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

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  box-shadow: 0 1px 10px rgba(11, 26, 74, 0.08);
}

.header-inner {
  width: min(var(--max), calc(100% - 32px));
  margin: 0 auto;
  min-height: var(--header-h);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.logo img { height: 48px; width: auto; }

.nav-toggle {
  display: none;
  border: 0;
  background: transparent;
  color: var(--navy);
  font-size: 26px;
  line-height: 1;
  width: 44px;
  height: 44px;
  cursor: pointer;
}

.nav-toggle span,
.nav-toggle span::before,
.nav-toggle span::after {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy);
  position: relative;
}

.nav-toggle span::before,
.nav-toggle span::after {
  content: "";
  position: absolute;
  left: 0;
}

.nav-toggle span::before { top: -7px; }
.nav-toggle span::after { top: 7px; }

.nav {
  display: flex;
  align-items: center;
  gap: 6px;
}

.nav a,
.nav .drop > button {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  border: 0;
  background: none;
  color: #333;
  text-decoration: none;
  font: inherit;
  font-size: 14px;
  padding: 10px 12px;
  cursor: pointer;
  white-space: nowrap;
}

.nav a:hover,
.nav .drop > button:hover,
.nav a.is-active,
.nav .drop-link.is-active {
  color: var(--navy);
}

.drop { position: relative; }

.drop > .drop-link::after,
.drop > button::after {
  content: "";
  border: 4px solid transparent;
  border-top-color: currentColor;
  margin-top: 4px;
}

.drop-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 168px;
  max-width: min(280px, calc(100vw - 24px));
  background: var(--white);
  border-radius: 10px;
  box-shadow: 0 12px 32px rgba(11, 26, 74, 0.14);
  padding: 8px 0;
  z-index: 20;
}

.drop-end > .drop-menu {
  left: auto;
  right: 0;
}

.drop:hover > .drop-menu,
.drop:focus-within > .drop-menu,
.drop.open > .drop-menu {
  display: block;
}

.drop-menu > a,
.drop-sub-label,
.drop-sub-menu a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 10px 16px;
  color: #333;
  font-size: 14px;
  font-weight: 400;
  text-decoration: none;
  white-space: nowrap;
}

.drop-menu > a:hover,
.drop-sub:hover > .drop-sub-label,
.drop-sub-menu a:hover,
.drop-menu > a.is-active,
.drop-sub-menu a.is-active,
.drop-sub-label.is-active {
  color: var(--navy);
  background: #f4f6fb;
}

.drop-sub { position: relative; }

.drop-sub-label {
  cursor: default;
}

.drop-sub-label::after {
  content: "";
  flex: none;
  border: 4px solid transparent;
  border-left-color: currentColor;
}

.drop-sub-menu {
  display: none;
  position: absolute;
  top: 0;
  left: calc(100% - 4px);
  min-width: 180px;
  max-width: min(280px, calc(100vw - 24px));
  background: var(--white);
  border-radius: 10px;
  box-shadow: 0 12px 32px rgba(11, 26, 74, 0.14);
  padding: 8px 0;
  z-index: 21;
}

.drop-sub-menu a {
  white-space: normal;
}

.drop-sub-menu.is-left {
  left: auto;
  right: calc(100% - 4px);
}

.drop-sub:hover > .drop-sub-menu,
.drop-sub:focus-within > .drop-sub-menu,
.drop-sub.open > .drop-sub-menu {
  display: block;
}

.nav-cta {
  background: var(--navy) !important;
  color: var(--white) !important;
  border-radius: 999px;
  padding: 8px 16px !important;
}

.nav-en { font-size: 13px; letter-spacing: 0.04em; }

.lang-switch {
  display: flex;
  align-items: center;
  gap: 0;
  margin-left: 10px;
  padding-left: 12px;
  border-left: 1px solid #d8deea;
}

.lang-switch .lang-sep {
  margin: 0 4px;
  opacity: 0.45;
  font-size: 13px;
  color: #666;
  user-select: none;
  pointer-events: none;
}

.lang-switch a {
  padding: 8px 7px !important;
  font-size: 13px;
  letter-spacing: 0.04em;
  color: #666;
}

.lang-switch a.is-active {
  color: var(--navy);
  font-weight: 700;
}

.hero {
  min-height: min(78vh, 720px);
  background:
    linear-gradient(180deg, rgba(11, 26, 74, 0.28) 0%, rgba(11, 26, 74, 0.55) 100%),
    linear-gradient(120deg, #0b1a4a 0%, #191970 52%, #3a4db8 100%);
  color: var(--white);
  display: grid;
  place-items: center;
  text-align: center;
  padding: 72px 20px 88px;
  position: relative;
}

.hero h1 {
  margin: 0;
  font-size: clamp(36px, 6vw, 64px);
  font-weight: 700;
  letter-spacing: 0.08em;
}

.hero .sub {
  margin: 14px 0 0;
  font-size: clamp(16px, 2vw, 22px);
  font-style: italic;
  opacity: 0.92;
}

.hero .rule {
  width: 160px;
  height: 4px;
  background: var(--white);
  margin: 22px auto 0;
  border-radius: 4px;
}

.dots {
  position: absolute;
  bottom: 22px;
  left: 0;
  right: 0;
  display: flex;
  justify-content: center;
  gap: 8px;
}

.dots i {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.45);
}

.dots i.on { background: var(--white); }

.ticker {
  background: var(--navy-dark);
  color: var(--white);
  font-size: 14px;
}

.ticker a {
  color: var(--white);
  text-decoration: none;
  display: flex;
  justify-content: space-between;
  gap: 16px;
  align-items: center;
  padding: 12px 0;
}

.ticker strong { font-weight: 600; }

.section {
  padding: 72px 0;
}

.section.alt { background: var(--bg); }

.section h2 {
  margin: 0 0 28px;
  font-size: 30px;
  font-weight: 700;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--line);
}

.split {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: 40px;
  align-items: center;
}

.photo-card {
  min-height: 320px;
  border-radius: var(--radius);
  background:
    linear-gradient(180deg, rgba(25, 25, 112, 0.15), rgba(11, 26, 74, 0.55)),
    url("../assets/40c8305c55c4e82fe2757514ed71bb97.jpg") center/cover;
  display: grid;
  place-items: center;
  color: var(--white);
  text-align: center;
  padding: 24px;
}

.photo-card strong {
  font-size: 22px;
  display: block;
}

.photo-card span {
  opacity: 0.9;
  font-style: italic;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 8px 22px;
  border-radius: 999px;
  background: var(--navy);
  color: var(--white);
  text-decoration: none;
  border: 0;
  font: inherit;
  cursor: pointer;
}

.btn.ghost {
  background: transparent;
  border: 1px solid var(--white);
  color: var(--white);
}

.btn.light {
  background: var(--white);
  color: var(--navy);
}

.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.service-card {
  min-height: 210px;
  border-radius: var(--radius);
  color: var(--white);
  text-decoration: none;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 12px;
  background-size: cover;
  background-position: center;
  position: relative;
  overflow: hidden;
}

.service-card::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(160deg, rgba(25, 25, 112, 0.72), rgba(11, 26, 74, 0.88));
}

.service-card > * { position: relative; }

.service-card:nth-child(1) { background-image: linear-gradient(#1d2a7a, #1d2a7a); }
.service-card:nth-child(2) { background-image: linear-gradient(#16305f, #16305f); }
.service-card:nth-child(3) { background-image: linear-gradient(#2a1f6e, #2a1f6e); }
.service-card:nth-child(4) { background-image: linear-gradient(#12355c, #12355c); }
.service-card:nth-child(5) { background-image: linear-gradient(#1a3d6e, #1a3d6e); }
.service-card:nth-child(6) { background-image: linear-gradient(#14224e, #14224e); }

.news-banner {
  border-radius: var(--radius);
  background: linear-gradient(90deg, var(--navy-dark), var(--navy-mid));
  color: var(--white);
  padding: 36px 28px;
  margin-bottom: 28px;
}

.news-banner h2 {
  border: 0;
  margin: 0;
  color: var(--white);
  text-align: center;
}

.news-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.news-grid.two {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  max-width: 780px;
  margin-inline: auto;
}

.news-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: 0 8px 24px rgba(11, 26, 74, 0.08);
  overflow: hidden;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
}

.news-card .thumb {
  aspect-ratio: 250 / 195;
  background: #d7dce8;
  overflow: hidden;
}

.news-card .thumb img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

.news-card .body { padding: 18px 18px 22px; }

.news-card h3 {
  margin: 0 0 8px;
  font-size: 18px;
  line-height: 1.45;
}

.news-card time {
  color: var(--muted);
  font-size: 13px;
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
}

label {
  display: block;
  font-size: 14px;
  margin: 0 0 6px;
}

input, select, textarea {
  width: 100%;
  border: 1px solid #d5d9e3;
  border-radius: 10px;
  padding: 12px 14px;
  font: inherit;
  margin-bottom: 14px;
}

textarea { min-height: 120px; resize: vertical; }

.form-note {
  display: none;
  background: #eef6ef;
  color: #1d5c2e;
  padding: 12px 14px;
  border-radius: 10px;
  margin-bottom: 12px;
}

.form-note.show { display: block; }

.page-hero {
  background: linear-gradient(120deg, var(--navy-dark), var(--navy-mid));
  color: var(--white);
  padding: 56px 0 40px;
}

.page-hero h1 {
  margin: 0;
  font-size: clamp(28px, 4vw, 40px);
}

.prose {
  padding: 48px 0 80px;
  max-width: 820px;
}

.prose.wide { max-width: none; width: min(var(--max), calc(100% - 48px)); }

.prose h2 { font-size: 22px; margin: 28px 0 10px; }

.prose table {
  width: 100%;
  border-collapse: collapse;
  margin: 16px 0 28px;
  font-size: 15px;
}

.prose th, .prose td {
  border: 1px solid var(--line);
  padding: 10px 12px;
  text-align: left;
}

.prose th { background: var(--bg); }

.table-scroll {
  overflow-x: auto;
  margin: 24px 0 34px;
  border-radius: 10px;
}

.table-scroll table {
  min-width: 720px;
  margin: 0;
}

.table-scroll .table-group th {
  color: var(--white);
  background: var(--navy);
}

.calc {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  padding-bottom: 80px;
}

.calc-box, .result-box {
  background: var(--bg);
  border-radius: var(--radius);
  padding: 24px;
}

.result-box strong { font-size: 22px; color: var(--navy); display: block; }

.hint { color: var(--muted); font-size: 14px; }

.filter-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 0 0 28px;
}

.filter-pills a {
  display: inline-flex;
  align-items: center;
  padding: 8px 16px;
  border-radius: 999px;
  border: 1px solid var(--line, #d8dee8);
  text-decoration: none;
  color: var(--text, #1a2744);
  font-size: 14px;
  font-weight: 500;
  background: #fff;
  transition: border-color 0.15s, color 0.15s;
}

.filter-pills a.is-active,
.filter-pills a:hover {
  border-color: var(--navy, #0b1a4a);
  color: var(--navy, #0b1a4a);
}

.news-tabs {
  border-bottom: 1px solid var(--line, #e2e8f0);
  padding-bottom: 12px;
}

.login-card {
  width: min(420px, calc(100% - 32px));
  margin: 48px auto 80px;
  background: var(--white);
  box-shadow: 0 12px 40px rgba(11, 26, 74, 0.12);
  border-radius: var(--radius);
  padding: 32px 28px;
}

.login-links {
  display: flex;
  justify-content: space-between;
  font-size: 14px;
  margin: -4px 0 16px;
}

.site-footer {
  background: var(--navy-dark);
  color: #d7dce8;
  padding: 22px 0 18px;
  font-size: 13px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 24px;
  margin-bottom: 24px;
}

.site-footer a { color: #eef1f8; text-decoration: none; }

.site-footer ul { list-style: none; margin: 0; padding: 0; }

.site-footer li { margin: 6px 0; }

.disclaimer {
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  padding-top: 16px;
  line-height: 1.8;
}

.footer-compact {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 24px;
  padding-bottom: 20px;
}

.footer-contact {
  color: #d7dce8;
}

.footer-links {
  display: flex;
  justify-content: flex-start;
  flex-wrap: wrap;
  gap: 16px;
}

.footer-disclosure summary {
  color: #eef1f8;
  cursor: pointer;
  font-weight: 700;
  list-style-position: inside;
}

.footer-disclosure[open] summary {
  margin-bottom: 10px;
}

.footer-license,
.disclaimer {
  margin: 0;
  padding: 14px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  color: #c3cada;
  font-size: 12px;
  line-height: 1.75;
}

.footer-bottom {
  margin-top: 14px;
  padding-top: 14px;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  color: #eef1f8;
  font-size: 12px;
}

@media (max-width: 900px) {
  .split, .cards, .news-grid, .contact-grid, .calc, .footer-grid {
    grid-template-columns: 1fr;
  }
  .header-inner { position: relative; }
  .nav-toggle {
    display: grid;
    place-items: center;
    position: absolute;
    right: 0;
    top: 16px;
    z-index: 2;
  }
  .nav {
    display: none;
    position: absolute;
    top: var(--header-h);
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    align-items: stretch;
    padding: 8px 16px 20px;
    box-shadow: 0 12px 24px rgba(0, 0, 0, 0.08);
  }
  .nav.open { display: flex; }
  .lang-switch {
    margin: 12px 0 0;
    padding: 12px 0 0;
    border-left: 0;
    border-top: 1px solid #d8deea;
  }
  .drop-menu,
  .drop-sub-menu {
    position: static;
    box-shadow: none;
    min-width: 0;
    max-width: none;
    display: none;
    padding: 0 0 0 12px;
  }
  .nav.open .drop-menu,
  .nav.open .drop-sub-menu {
    display: block;
  }
  .drop-end > .drop-menu,
  .drop-sub-menu.is-left {
    left: auto;
    right: auto;
  }
  .drop-sub-label::after {
    border-left-color: transparent;
    border-top-color: currentColor;
    margin-top: 4px;
  }
  .footer-compact {
    grid-template-columns: 1fr;
    gap: 10px;
  }
  .footer-links { justify-content: flex-start; }
}

/* Homepage visual system: closely follows the reference site's proportions. */
.home-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 18px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}

.home-eyebrow::before {
  content: "";
  width: 30px;
  height: 2px;
  background: currentColor;
}

.hero {
  min-height: min(70vh, 680px);
  background:
    linear-gradient(90deg, rgba(4, 17, 54, 0.86) 0%, rgba(11, 26, 74, 0.68) 44%, rgba(11, 26, 74, 0.16) 100%),
    url("../assets/hero-home-1.jpg") center/cover no-repeat;
  place-items: center start;
  text-align: left;
  padding-inline: max(24px, calc((100vw - var(--max)) / 2));
}

.hero-inner {
  width: min(620px, 100%);
}

.hero h1 {
  max-width: 10em;
  line-height: 1.18;
  letter-spacing: 0.06em;
}

.hero .sub {
  margin-top: 18px;
  max-width: 34em;
  font-style: normal;
  line-height: 1.8;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 30px;
}

.hero .rule { margin: 22px 0 0; }

.notice-stack {
  position: relative;
  z-index: 2;
}

.notice-line {
  font-size: 13px;
}

.notice-line.light {
  background: #f3f8fb;
  color: var(--navy);
  border-bottom: 1px solid #dce9f1;
}

.notice-line.dark {
  background: var(--navy);
  color: var(--white);
}

.notice-line a {
  color: inherit;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  min-height: 42px;
  text-decoration: none;
}

.section-kicker {
  margin: 0 0 8px;
  color: var(--navy);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.section-title-row {
  display: flex;
  justify-content: space-between;
  align-items: end;
  gap: 24px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--line);
  margin-bottom: 32px;
}

.section-title-row h2 {
  border: 0;
  padding: 0;
  margin: 0;
}

.section-title-row p {
  margin: 8px 0 0;
  max-width: 520px;
  color: var(--muted);
  font-size: 14px;
}

.section-more {
  flex: none;
  color: var(--navy);
  font-weight: 700;
  text-decoration: none;
  white-space: nowrap;
  padding-bottom: 2px;
}

.section-more:hover { color: var(--navy-mid); }

.photo-card {
  min-height: 360px;
  background:
    linear-gradient(180deg, rgba(25, 25, 112, 0.05), rgba(11, 26, 74, 0.55)),
    url("../assets/family-future.jpg") center/cover no-repeat;
}

.about-copy h3 {
  margin: 0 0 16px;
  font-size: 23px;
}

.license-strip {
  margin-top: 30px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
}

.license-item {
  padding: 18px 20px;
  background: var(--white);
  border-right: 1px solid var(--line);
}

.license-item:last-child { border-right: 0; }

.license-item strong {
  display: block;
  color: var(--navy);
  font-size: 18px;
}

.license-item span {
  color: var(--muted);
  font-size: 13px;
}

.service-card {
  min-height: 230px;
  transition: transform 180ms ease, box-shadow 180ms ease;
}

.service-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 18px 36px rgba(11, 26, 74, 0.18);
}

.service-card strong {
  font-size: 22px;
  letter-spacing: 0.05em;
}

.service-card:nth-child(1) { background-image: url("../assets/service-investment.jpg"); }
.service-card:nth-child(2) { background-image: url("../assets/service-asset.jpg"); }
.service-card:nth-child(3) { background-image: url("../assets/service-insurance.jpg"); }
.service-card:nth-child(4) { background-image: url("../assets/service-mpf.jpg"); }
.service-card:nth-child(5) { background-image: url("../assets/service-immigration.jpg"); }
.service-card:nth-child(6) { background-image: url("../assets/service-planning.jpg"); }

div.service-card {
  cursor: default;
}

#services,
.service-card[id],
.insight-panel[id] {
  scroll-margin-top: calc(var(--header-h) + 16px);
}

.service-links {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 8px;
  max-width: 90%;
}

.service-links a {
  color: var(--white);
  border: 1px solid rgba(255, 255, 255, 0.72);
  border-radius: 999px;
  padding: 6px 12px;
  font-size: 13px;
  text-decoration: none;
}

.service-links a:hover {
  background: var(--white);
  color: var(--navy);
}

.news-feature {
  position: relative;
  min-height: 190px;
  border-radius: 0 44px 0 44px;
  overflow: hidden;
  margin-bottom: 28px;
  display: grid;
  place-items: center;
  color: var(--white);
  text-align: center;
  background:
    linear-gradient(100deg, rgba(5, 28, 85, 0.98), rgba(0, 113, 188, 0.78)),
    url("../assets/hero-finance.jpg") center 58%/cover;
}

.news-feature a {
  position: relative;
  color: var(--white);
  text-decoration: none;
  border-bottom: 1px solid rgba(255, 255, 255, 0.5);
  font-size: 14px;
}

.news-feature::before {
  content: "";
  position: absolute;
  width: 320px;
  height: 320px;
  border: 2px solid rgba(255, 255, 255, 0.28);
  border-radius: 50%;
  right: -80px;
  top: -150px;
}

.news-feature h2 {
  position: relative;
  margin: 0;
  padding: 0;
  border: 0;
  color: var(--white);
  font-size: 34px;
  letter-spacing: 0.08em;
}

.news-card {
  box-shadow: none;
  border-radius: 0;
}

.news-card .thumb {
  border-radius: 12px 12px 0 0;
}

.news-card .body { padding-inline: 4px; }

.contact-band {
  background: linear-gradient(110deg, var(--navy-dark) 0 42%, #f5f7fa 42% 100%);
}

.contact-band .contact-intro {
  color: var(--white);
  padding-right: 40px;
}

.contact-band .contact-intro h2 {
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.28);
}

.contact-band form {
  background: var(--white);
  border-radius: var(--radius);
  padding: 30px;
  box-shadow: 0 22px 60px rgba(11, 26, 74, 0.14);
}

@media (max-width: 900px) {
  .hero {
    min-height: 600px;
    background-position: 62% center;
  }

  .section-title-row {
    display: block;
  }

  .section-title-row p { margin-top: 10px; }

  .license-strip { grid-template-columns: 1fr; }

  .license-item {
    border-right: 0;
    border-bottom: 1px solid var(--line);
  }

  .license-item:last-child { border-bottom: 0; }

  .contact-band {
    background: linear-gradient(180deg, var(--navy-dark) 0 34%, #f5f7fa 34% 100%);
  }

  .contact-band .contact-intro { padding-right: 0; }
}

/* Phase 2: shared system for content and utility pages. */
.page-hero {
  position: relative;
  min-height: 250px;
  display: flex;
  align-items: end;
  overflow: hidden;
  background:
    linear-gradient(90deg, rgba(4, 17, 54, 0.96), rgba(25, 25, 112, 0.78)),
    url("../assets/hero-finance.jpg") center 55%/cover no-repeat;
  padding: 64px 0 42px;
}

.page-hero::after {
  content: "";
  position: absolute;
  right: -90px;
  bottom: -190px;
  width: 390px;
  height: 390px;
  border: 1px solid rgba(255, 255, 255, 0.24);
  border-radius: 50%;
}

.page-hero .wrap {
  position: relative;
  z-index: 1;
}

.page-eyebrow {
  display: block;
  margin-bottom: 10px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  opacity: 0.78;
}

.page-hero h1 {
  line-height: 1.2;
  letter-spacing: 0.05em;
}

.prose {
  padding-top: 64px;
  font-size: 16px;
  line-height: 1.9;
}

.prose > h2:first-child {
  margin-top: 0;
}

.prose h2 {
  position: relative;
  padding-left: 18px;
  color: var(--navy-dark);
  line-height: 1.45;
}

.prose h2::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.25em;
  bottom: 0.25em;
  width: 3px;
  border-radius: 4px;
  background: var(--navy);
}

.prose p {
  margin: 0 0 18px;
}

.prose ol,
.prose ul {
  margin: 0 0 24px;
  padding-left: 22px;
}

.prose li {
  margin: 0 0 14px;
}

.prose li p {
  margin: 8px 0 0;
}

.prose a:not(.btn) {
  color: var(--navy);
  text-underline-offset: 3px;
  text-decoration-thickness: 1px;
}

.content-lead {
  max-width: 820px;
  margin: 0 0 42px;
  color: var(--muted);
  font-size: 18px;
}

.content-split {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  align-items: center;
  gap: 52px;
}

.content-visual {
  min-height: 390px;
  border-radius: var(--radius);
  background:
    linear-gradient(180deg, rgba(11, 26, 74, 0.05), rgba(11, 26, 74, 0.38)),
    url("../assets/hero-finance.jpg") center/cover no-repeat;
}

.original-page-image {
  overflow: hidden;
  border-radius: var(--radius);
  background: var(--bg);
}

.original-page-image img {
  width: 100%;
  height: auto;
  object-fit: cover;
}

.vision-layout {
  align-items: start;
}

.vision-layout .original-page-image img {
  min-height: 330px;
  object-fit: cover;
}

.vision-goal {
  display: grid;
  grid-template-columns: 150px 1fr;
  align-items: center;
  gap: 24px;
  margin-top: 36px;
  padding: 28px 30px;
  border-radius: var(--radius);
  color: var(--white);
  background: var(--navy-dark);
}

.vision-goal span {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.16em;
}

.vision-goal strong {
  font-size: 20px;
}

.feature-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-top: 44px;
}

.feature-item {
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
}

.feature-item .feature-no {
  display: block;
  margin-bottom: 14px;
  color: var(--navy);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.15em;
}

.feature-item h3 {
  margin: 0 0 8px;
  font-size: 19px;
}

.feature-item p {
  margin: 0;
  color: var(--muted);
  font-size: 14px;
}

.info-panel {
  padding: 30px;
  border-radius: var(--radius);
  background: var(--bg);
}

.info-panel h2,
.info-panel h3 {
  margin-top: 0;
}

.contact-details {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin: 26px 0;
}

.contact-detail:first-child {
  grid-column: 1 / -1;
}

.contact-detail {
  padding: 18px 20px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--white);
}

.contact-detail small {
  display: block;
  margin-bottom: 3px;
  color: var(--muted);
}

.contact-detail strong,
.contact-detail a {
  color: var(--navy-dark);
  font-size: 17px;
  text-decoration: none;
}

.contact-map {
  min-height: 350px;
  overflow: hidden;
  border-radius: 12px;
  background: #dfe4ec;
}

.contact-map iframe {
  width: 100%;
  height: 350px;
  border: 0;
}

.utility-shell {
  padding: 64px 0 88px;
  background: var(--bg);
}

.utility-intro {
  max-width: 700px;
  margin: 0 auto 34px;
  text-align: center;
}

.utility-intro h2 {
  margin: 0 0 10px;
  font-size: 28px;
}

.utility-intro p {
  margin: 0;
  color: var(--muted);
}

.calc {
  padding-top: 0;
  gap: 22px;
}

.calc-box,
.result-box {
  border: 1px solid var(--line);
  background: var(--white);
}

.calc-box h2,
.result-box h2 {
  margin: 0 0 22px;
  font-size: 22px;
}

.result-box {
  color: var(--text);
  background: var(--navy-dark);
  color: var(--white);
}

.result-box strong {
  color: var(--white);
}

.result-box .hint {
  color: rgba(255, 255, 255, 0.72);
}

.login-shell {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(360px, 0.8fr);
  overflow: hidden;
  width: min(980px, calc(100% - 40px));
  margin: 64px auto 88px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
}

.login-aside {
  padding: 48px;
  color: var(--white);
  background:
    linear-gradient(rgba(11, 26, 74, 0.84), rgba(25, 25, 112, 0.9)),
    url("../assets/hero-finance.jpg") center/cover;
}

.login-aside h2 {
  margin-top: 0;
  font-size: 28px;
}

.login-aside p {
  color: rgba(255, 255, 255, 0.84);
}

.member-service-links {
  display: grid;
  gap: 12px;
  margin-top: 28px;
}

.member-service-links a {
  display: block;
  padding: 16px 18px;
  border: 1px solid rgba(255, 255, 255, 0.32);
  border-radius: 10px;
  color: var(--white);
  text-decoration: none;
}

.member-service-links a:hover {
  background: rgba(255, 255, 255, 0.1);
}

.member-service-links strong,
.member-service-links span {
  display: block;
}

.member-service-links span {
  margin-top: 3px;
  font-size: 13px;
  opacity: 0.72;
}

.login-card h2 {
  margin: 0 0 24px;
}

.subnav {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 0 0 34px;
  padding: 8px;
  border-radius: 12px;
  background: var(--bg);
}

.subnav a {
  padding: 9px 16px;
  border-radius: 8px;
  color: var(--text);
  text-decoration: none;
}

.subnav a:hover,
.subnav a.is-active {
  color: var(--white);
  background: var(--navy);
}

.check-list {
  display: grid;
  gap: 14px;
  margin: 24px 0 34px;
  padding: 0;
  list-style: none;
}

.check-list li {
  position: relative;
  padding: 16px 18px 16px 48px;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: var(--white);
}

.check-list li::before {
  content: "✓";
  position: absolute;
  left: 18px;
  color: var(--navy);
  font-weight: 700;
}

.topic-list {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 20px 0 34px;
}

.topic-list span,
.topic-list a {
  padding: 10px 16px;
  border: 1px solid #cfd5e3;
  border-radius: 999px;
  color: var(--navy-dark);
  background: var(--white);
  font-weight: 600;
  text-decoration: none;
}

.award-highlight {
  display: grid;
  grid-template-columns: 150px 1fr;
  align-items: center;
  gap: 30px;
  padding: 32px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--bg);
}

.award-photo {
  margin: 0 0 24px;
  overflow: hidden;
  border-radius: var(--radius);
}

.award-photo img {
  width: 100%;
}

.page-figure {
  margin: 28px 0 36px;
}

.page-figure img {
  width: 100%;
  height: auto;
  display: block;
  border-radius: var(--radius);
}

.mpf-flow-pair {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin: 8px 0 36px;
}

.mpf-flow-pair img {
  width: 100%;
  height: auto;
  display: block;
  background: #f4f6fb;
  border-radius: var(--radius);
}

.award-year {
  color: var(--navy);
  font-size: 44px;
  font-weight: 700;
  line-height: 1;
}

.country-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-top: 34px;
}

.country-card {
  min-height: 240px;
  display: flex;
  flex-direction: column;
  justify-content: end;
  padding: 26px;
  overflow: hidden;
  border-radius: var(--radius);
  color: var(--white);
  text-decoration: none;
  background:
    linear-gradient(180deg, rgba(11, 26, 74, 0.18), rgba(11, 26, 74, 0.9)),
    url("../assets/family-future.jpg") center/cover;
}

.country-card:nth-child(2) {
  background-image:
    linear-gradient(180deg, rgba(11, 26, 74, 0.18), rgba(11, 26, 74, 0.9)),
    url("../assets/hero-finance.jpg");
}

.country-card:nth-child(3) {
  background-image:
    linear-gradient(180deg, rgba(11, 26, 74, 0.18), rgba(11, 26, 74, 0.9)),
    url("../assets/170302135114093-edited.jpg");
}

.country-card small {
  font-weight: 700;
  letter-spacing: 0.14em;
}

.country-card strong {
  margin-top: 4px;
  font-size: 25px;
}

.country-service {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: stretch;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.country-service .country-image {
  min-height: 390px;
  overflow: hidden;
  background: #d7dbe6;
}

.country-service .country-image img {
  width: 100%;
  height: 100%;
  min-height: 390px;
  object-fit: cover;
  display: block;
}

.country-service .country-copy {
  padding: 48px;
}

.country-service .country-copy h2 {
  margin-top: 0;
}

.career-page > h2:not(:first-child) {
  margin-top: 50px;
  padding-top: 28px;
  border-top: 1px solid var(--line);
}

.career-page > h3 {
  margin: 24px 0 8px;
  color: var(--navy-dark);
  font-size: 17px;
}

@media (max-width: 900px) {
  .content-split,
  .feature-grid,
  .login-shell,
  .award-highlight,
  .vision-goal,
  .country-grid,
  .country-service,
  .news-grid.two,
  .mpf-flow-pair {
    grid-template-columns: 1fr;
  }

  .content-visual { min-height: 280px; }

  .login-aside,
  .login-card { padding: 32px 24px; }

  .contact-details { grid-template-columns: 1fr; }
  .contact-detail:first-child { grid-column: auto; }

  .page-hero {
    min-height: 210px;
    padding-bottom: 34px;
  }
}

/* Homepage slider and reference-style moving information bar. */
.hero-slider {
  position: relative;
  height: min(70vh, 680px);
  min-height: 560px;
  overflow: hidden;
  color: var(--white);
  background: var(--navy-dark);
}

.hero-slides,
.hero-slide {
  position: absolute;
  inset: 0;
}

.hero-slide {
  min-height: 100%;
  opacity: 0;
  visibility: hidden;
  transform: scale(1.025);
  transition: opacity 650ms ease, transform 700ms ease, visibility 650ms;
  pointer-events: none;
}

.hero-slide.is-active {
  opacity: 1;
  visibility: visible;
  transform: scale(1);
  pointer-events: auto;
}

.hero-slide-planning {
  background:
    linear-gradient(90deg, rgba(4, 17, 54, 0.88), rgba(11, 26, 74, 0.36)),
    url("../assets/hero-home-2.jpg") center/cover no-repeat;
}

.hero-slide-future {
  background:
    linear-gradient(90deg, rgba(4, 17, 54, 0.9), rgba(25, 25, 112, 0.42)),
    url("../assets/hero-home-3.jpg") center 40%/cover no-repeat;
}

.hero-slide-cms {
  background:
    linear-gradient(90deg, rgba(4, 17, 54, 0.72), rgba(11, 26, 74, 0.28)),
    var(--cms-banner) center/cover no-repeat;
}

.hero-inner-cms {
  max-width: 640px;
}

.hero-slider.is-cms-hero .hero-slide-cms h2 {
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 500;
  line-height: 1.25;
  margin: 0;
}

.hero-slide h2 {
  max-width: 12em;
  margin: 0;
  color: var(--white);
  font-size: clamp(38px, 6vw, 64px);
  line-height: 1.18;
  letter-spacing: 0.06em;
}

.slider-arrow {
  position: absolute;
  z-index: 4;
  top: 50%;
  width: 48px;
  height: 48px;
  border: 1px solid rgba(255, 255, 255, 0.5);
  border-radius: 50%;
  color: var(--white);
  background: rgba(4, 17, 54, 0.32);
  font-size: 34px;
  line-height: 1;
  cursor: pointer;
  transform: translateY(-50%);
}

.slider-prev { left: 24px; }
.slider-next { right: 24px; }

.slider-dots {
  position: absolute;
  z-index: 4;
  right: 0;
  bottom: 24px;
  left: 0;
  display: flex;
  justify-content: center;
  gap: 9px;
}

.slider-dots button {
  width: 9px;
  height: 9px;
  padding: 0;
  border: 0;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.48);
  cursor: pointer;
  transition: width 180ms ease, background 180ms ease;
}

.slider-dots button.is-active {
  width: 30px;
  background: var(--white);
}

.marquee {
  overflow: hidden;
  color: var(--white);
  background: var(--navy);
}

.marquee-track {
  display: flex;
  width: max-content;
  animation: marquee-scroll 48s linear infinite;
}

.marquee:hover .marquee-track,
.marquee:focus-within .marquee-track {
  animation-play-state: paused;
}

.marquee-group {
  display: flex;
  flex-shrink: 0;
}

.marquee a {
  display: flex;
  align-items: center;
  gap: 12px;
  min-height: 46px;
  padding: 0 34px;
  border-right: 1px solid rgba(255, 255, 255, 0.2);
  color: inherit;
  text-decoration: none;
  white-space: nowrap;
}

.marquee a:hover { background: rgba(255, 255, 255, 0.1); }
.marquee strong { font-size: 13px; }
.marquee span { font-size: 13px; opacity: 0.8; }

@keyframes marquee-scroll {
  to { transform: translateX(-50%); }
}

@media (max-width: 900px) {
  .hero-slider {
    height: 610px;
    min-height: 610px;
  }

  .slider-arrow {
    top: auto;
    bottom: 16px;
    width: 42px;
    height: 42px;
  }

  .slider-prev { left: 18px; }
  .slider-next { right: 18px; }
}

@media (prefers-reduced-motion: reduce) {
  .hero-slide { transition: none; }
  .marquee-track { animation-play-state: paused; }
}

.insight-pager {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 12px 24px;
  padding: 8px 0 56px;
}

.insight-next {
  margin-left: auto;
}

.insight-prev,
.insight-next {
  color: var(--muted);
  text-decoration: none;
  font-size: 14px;
}

.insight-prev:hover,
.insight-next:hover {
  color: var(--navy);
}

.insight-lead {
  max-width: 720px;
  margin: 0 0 36px;
  color: var(--muted);
}

.insight-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.insight-panel {
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
}

.insight-panel h2 { margin-top: 0; }

.insight-list {
  list-style: none;
  margin: 0 0 20px;
  padding: 0;
}

.insight-list li { margin: 0 0 14px; }

.insight-list a {
  color: inherit;
  text-decoration: none;
}

.insight-list strong {
  display: block;
  color: var(--navy-dark);
}

.insight-list span {
  display: block;
  margin-top: 4px;
  color: var(--muted);
  font-size: 14px;
}

.product-names {
  margin: 0;
  padding-left: 24px;
}

.product-names li {
  margin: 10px 0;
}

/* Article detail */
.article-date {
  color: var(--muted);
  font-size: 15px;
  margin: 0 0 28px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--line);
}

.article-date time {
  font-weight: 500;
}

/* Product detail — see /css/product-detail.css (product.html only) */

.news-feature {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 12px;
}

@media (max-width: 900px) {
  .insight-grid { grid-template-columns: 1fr; }
}