:root {
  --navy: #0b2545;
  --navy-2: #13315c;
  --green: #13715b;
  --green-2: #0f5c4a;
  --gold: #f2b134;
  --bg: #f4f6fa;
  --card: #ffffff;
  --text: #1f2937;
  --muted: #6b7280;
  --line: #e2e8f0;
  --err: #b42318;
  --ok: #067647;
  --radius: 12px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Noto Sans TC", "PingFang TC", "Microsoft JhengHei", Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
}
a { color: var(--green); }
.wrap { max-width: 1080px; margin: 0 auto; padding: 0 16px; }
.muted { color: var(--muted); font-size: 14px; }
.center { text-align: center; }

/* Top bar */
.topbar { background: #fff; position: sticky; top: 0; z-index: 10; box-shadow: 0 1px 6px rgba(11,37,69,.12); }
.topbar .wrap { display: flex; align-items: center; justify-content: space-between; height: 64px; }
.brand { display: block; line-height: 0; }
.brand img { height: 48px; width: auto; }

/* Buttons */
.btn {
  display: inline-block; border: 0; cursor: pointer; text-decoration: none;
  background: var(--green); color: #fff; font-size: 16px; font-weight: 600;
  padding: 11px 22px; border-radius: 8px; transition: background .15s;
}
.btn:hover { background: var(--green-2); }
.btn:disabled { opacity: .6; cursor: wait; }
.btn-lg { font-size: 18px; padding: 14px 30px; }
.btn-sm { font-size: 14px; padding: 7px 14px; }
.btn-ghost { background: transparent; color: inherit; box-shadow: inset 0 0 0 1.5px currentColor; }
.btn-ghost:hover { background: rgba(127, 127, 127, .12); }
.form-card .btn-ghost { color: var(--navy); }

/* Hero */
.hero { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 60%, #1b4f72 100%); color: #fff; padding: 64px 0 72px; }
.hero-grid { display: grid; grid-template-columns: 1.4fr 1fr; gap: 40px; align-items: center; }
.tag { display: inline-block; background: rgba(255,255,255,.12); padding: 4px 12px; border-radius: 999px; font-size: 14px; }
.hero h1 { font-size: 44px; line-height: 1.25; margin: 16px 0; }
.hl { color: var(--gold); }
.lead { font-size: 18px; color: #dbe4f0; margin: 0 0 28px; }
.offer-card {
  background: #fff; color: var(--navy); border-radius: 18px; padding: 32px; text-align: center;
  box-shadow: 0 20px 40px rgba(0,0,0,.25);
}
.offer-num { font-size: 88px; font-weight: 800; line-height: 1; color: var(--green); }
.offer-unit { font-size: 18px; font-weight: 600; margin-top: 6px; }
.offer-value { margin-top: 16px; font-size: 22px; font-weight: 700; }
.offer-note { color: var(--muted); font-size: 14px; }

/* Blocks */
.block { padding: 48px 0 0; }
.block h2 { font-size: 28px; color: var(--navy); text-align: center; margin: 0 0 24px; }
.chips { display: grid; grid-template-columns: repeat(auto-fill, minmax(230px, 1fr)); gap: 12px; }
.chip { background: var(--card); border: 1px solid var(--line); border-left: 4px solid var(--green); border-radius: 8px; padding: 14px 16px; font-weight: 500; }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.card h3 { margin: 0 0 10px; color: var(--navy); }
.card ol, .card ul { padding-left: 20px; margin: 0 0 8px; }
.steps-overview { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin-bottom: 12px; }
.steps-overview div { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px; text-align: center; font-weight: 500; }
.steps-overview span {
  display: flex; align-items: center; justify-content: center; margin: 0 auto 8px;
  width: 36px; height: 36px; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 700;
}

/* Form */
#apply { scroll-margin-top: 70px; padding-bottom: 56px; }
.form-card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; max-width: 760px; margin: 0 auto; box-shadow: 0 6px 20px rgba(11,37,69,.06); }
.stepper { display: flex; list-style: none; padding: 0; margin: 0 0 24px; counter-reset: s; }
.stepper li { flex: 1; text-align: center; font-size: 14px; color: var(--muted); position: relative; counter-increment: s; }
.stepper li::before {
  content: counter(s); display: flex; align-items: center; justify-content: center; margin: 0 auto 6px;
  width: 32px; height: 32px; border-radius: 50%; background: var(--line); color: var(--muted); font-weight: 700; position: relative; z-index: 1;
}
.stepper li:not(:first-child)::after { content: ""; position: absolute; top: 16px; right: 50%; width: 100%; height: 2px; background: var(--line); }
.stepper li.active, .stepper li.done { color: var(--navy); font-weight: 600; }
.stepper li.active::before { background: var(--navy); color: #fff; }
.stepper li.done::before { background: var(--green); color: #fff; content: "✓"; }
.stepper li.done::after, .stepper li.active::after { background: var(--green); }

fieldset.step { border: 0; padding: 0; margin: 0; display: none; }
fieldset.step.active { display: block; }
legend { font-size: 20px; font-weight: 700; color: var(--navy); margin-bottom: 16px; padding: 0; }
label { display: block; margin-bottom: 16px; font-weight: 500; font-size: 15px; }
label i { color: var(--err); font-style: normal; }
label small { display: block; color: var(--muted); font-weight: 400; font-size: 13px; margin-top: 4px; }
input[type=text], input[type=email], input[type=tel], input[type=date], select, textarea {
  display: block; width: 100%; margin-top: 6px; padding: 11px 12px; font: inherit; font-weight: 400;
  border: 1px solid #cbd5e1; border-radius: 8px; background: #fff; color: var(--text);
}
input:focus, select:focus, textarea:focus { outline: 2px solid rgba(19,113,91,.35); border-color: var(--green); }
.grid2 { display: grid; grid-template-columns: 1fr 1fr; gap: 0 16px; }
label.check { display: flex; gap: 10px; align-items: flex-start; font-weight: 400; }
label.check input { margin-top: 5px; }
.radio-row { display: flex; gap: 24px; flex-wrap: wrap; margin-bottom: 8px; }
.drop { border: 2px dashed #cbd5e1; border-radius: var(--radius); padding: 28px 16px; text-align: center; cursor: pointer; background: #f8fafc; }
.drop:hover { border-color: var(--green); }
.drop.has-file { border-color: var(--green); background: #ecfdf5; }
.drop input { display: block; margin: 0 auto 10px; max-width: 100%; }
.drop-text { color: var(--muted); font-weight: 400; word-break: break-all; }
.invalid input, .invalid select, .invalid textarea, input.invalid { border-color: var(--err); }
.invalid.drop { border-color: var(--err); }
.field-err { display: block; color: var(--err); font-size: 13px; font-weight: 400; margin-top: 4px; }
.radio-row.invalid .field-err { flex-basis: 100%; margin-top: -4px; }
.msg { margin: 4px 0 12px; font-size: 15px; }
.msg.ok { color: var(--ok); }
.msg.err { color: var(--err); }
.actions { display: flex; justify-content: space-between; gap: 12px; margin-top: 8px; }
.actions .btn:only-child { margin-left: auto; }

.done { text-align: center; padding: 24px 8px; }
.done-icon { width: 72px; height: 72px; border-radius: 50%; margin: 0 auto 12px; background: var(--green); color: #fff; font-size: 40px; line-height: 72px; }
.done h3 { color: var(--navy); font-size: 24px; margin: 0 0 8px; }

.footer { background: var(--navy); color: #c9d4e3; padding: 22px 0; font-size: 14px; text-align: center; }
.footer a { color: #fff; }

@media (max-width: 820px) {
  .hero { padding: 40px 0 48px; }
  .hero-grid, .two-col { grid-template-columns: 1fr; }
  .hero h1 { font-size: 32px; }
  .steps-overview { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .grid2 { grid-template-columns: 1fr; }
  .form-card { padding: 20px 16px; }
  .stepper li { font-size: 12px; }
  .offer-num { font-size: 68px; }
}