:root{
  --navy:#0b2a5b; --blue:#1668c4; --sky:#4fa8e8; --teal:#2bb3a3;
  --bg:#f5f9fd; --ink:#1c2b3a; --muted:#5b6b7c;
}
*{margin:0;padding:0;box-sizing:border-box;}
body{font-family:"PingFang HK","PingFang TC","Microsoft JhengHei","Noto Sans TC",sans-serif;color:var(--ink);background:var(--bg);line-height:1.85;}
.wrap{max-width:760px;margin:0 auto;padding:0 24px;}

.topbar{background:#fff;border-bottom:1px solid #e3ecf5;}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;height:64px;}
.brand{display:flex;align-items:center;text-decoration:none;}
.brand img{height:36px;width:auto;}
.btn{display:inline-block;background:var(--blue);color:#fff;font-weight:700;font-size:14px;padding:9px 22px;border-radius:999px;text-decoration:none;transition:.25s;}
.btn:hover{background:var(--navy);}

.crumbs{padding:22px 0 0;font-size:13px;color:var(--muted);}
.crumbs a{color:var(--blue);text-decoration:none;}

article{padding:34px 0 70px;}
.eyebrow{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.14em;color:var(--teal);text-transform:uppercase;margin-bottom:12px;}
h1{font-size:clamp(26px,4.5vw,36px);color:var(--navy);line-height:1.35;margin-bottom:14px;}
.meta{display:flex;gap:16px;align-items:center;font-size:13px;color:var(--muted);margin-bottom:22px;flex-wrap:wrap;}
.meta .who{font-weight:700;color:var(--navy);}
.tldr{background:#fff;border-left:5px solid var(--teal);border-radius:0 14px 14px 0;padding:22px 26px;font-size:17px;margin:24px 0 36px;box-shadow:0 8px 22px rgba(11,42,91,.06);}
h2{font-size:22px;color:var(--navy);margin:38px 0 12px;}
p{margin-bottom:16px;font-size:16.5px;}
ul,ol{margin:0 0 16px 22px;font-size:16.5px;}
li{margin-bottom:8px;}
table{width:100%;border-collapse:collapse;margin:18px 0 24px;background:#fff;border-radius:12px;overflow:hidden;box-shadow:0 8px 22px rgba(11,42,91,.06);}
th,td{padding:13px 16px;text-align:left;font-size:15px;border-bottom:1px solid #e8f0f8;}
thead th{background:var(--navy);color:#fff;}
td:first-child{font-weight:700;color:var(--navy);}

.author-box{display:flex;gap:18px;background:#fff;border:1px solid #e3ecf5;border-radius:16px;padding:24px;margin-top:44px;align-items:flex-start;}
.author-box .avatar{flex:none;width:56px;height:56px;border-radius:50%;background:linear-gradient(135deg,var(--sky),var(--blue));color:#fff;font-size:22px;font-weight:800;display:flex;align-items:center;justify-content:center;}
.author-box h3{font-size:17px;color:var(--navy);margin-bottom:4px;}
.author-box p{font-size:14px;color:var(--muted);margin:0;}

.cta-box{background:linear-gradient(135deg,#0e3568,var(--blue));border-radius:18px;color:#fff;text-align:center;padding:40px 28px;margin-top:44px;}
.cta-box h2{color:#fff;margin:0 0 10px;}
.cta-box p{color:#cfe4f7;font-size:15px;margin-bottom:24px;}
.cta-box .btn{background:#fff;color:var(--navy);font-size:16px;padding:14px 36px;}

.related{margin-top:50px;}
.related h2{margin-bottom:16px;}
.related a{display:block;background:#fff;border:1px solid #e3ecf5;border-radius:12px;padding:16px 20px;margin-bottom:12px;color:var(--navy);font-weight:700;text-decoration:none;transition:.2s;}
.related a:hover{border-color:var(--blue);transform:translateX(4px);}
.related a span{display:block;font-weight:400;font-size:13px;color:var(--muted);margin-top:2px;}

.disclaimer{margin-top:44px;font-size:13px;color:var(--muted);border-top:1px solid #dbe6f0;padding-top:18px;}
footer{background:var(--navy);color:#9db8d6;text-align:center;padding:30px 20px;font-size:13px;}
footer a{color:#cfe4f7;text-decoration:none;}

@media (max-width:640px){
  .author-box{flex-direction:column;}
}