:root{--ink:#102a43;--paper:#f8f5ef;--sand:#eee6d8;--gold:#c69a58;--gold-light:#e3c38d;--line:rgba(16,42,67,.14);--white:#fffdf9}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:"Noto Sans TC","Microsoft JhengHei",Arial,sans-serif;line-height:1.8}a{color:inherit;text-decoration:none}h1,h2,h3{margin:0;font-family:"Noto Serif TC",Georgia,serif;line-height:1.32}.nav{height:76px;padding:0 clamp(24px,6vw,90px);display:flex;align-items:center;justify-content:space-between;position:absolute;inset:0 0 auto;z-index:2;color:#fff}.brand{display:flex;gap:12px;align-items:center;font-family:"Noto Serif TC",serif;font-weight:700;font-size:20px;letter-spacing:.08em}.seal{display:grid;place-items:center;width:35px;height:35px;border:1px solid var(--gold-light);border-radius:50%;color:var(--gold-light)}.nav-links{display:flex;align-items:center;gap:22px;font-size:13px}.nav-links a{opacity:.86}.nav-links 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28px;position:relative;border-bottom:1px solid var(--line);color:#44576a}.list li:before{content:"↗";position:absolute;left:0;color:#a6763d}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:30px}.step{padding:25px;background:var(--sand)}.step span{font-family:monospace;color:#8a6234;font-size:11px}.step h3{margin-top:16px}.step p{margin:10px 0 0;font-size:14px}.callout{margin-top:70px;padding:42px;background:var(--ink);color:#fff}.callout h2{margin:0;color:#fff;font-size:clamp(28px,3vw,40px)}.callout p{max-width:720px;color:rgba(255,255,255,.78)}.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}.button{display:inline-flex;min-height:50px;align-items:center;justify-content:center;padding:0 22px;background:var(--gold);color:var(--ink);font-size:14px;font-weight:700;letter-spacing:.05em}.button.ghost{border:1px solid rgba(255,255,255,.56);background:transparent;color:#fff}.subscribe-cta{margin:34px 0 0;padding:24px 26px;border:1px solid var(--line);background:var(--sand);display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px}.subscribe-cta p{margin:0;color:#3d4f61;font-size:14px;max-width:540px}.subscribe-cta strong{color:var(--ink)}.subscribe-cta a.button{padding:0 20px;min-height:44px}@media(max-width:540px){.subscribe-cta{padding:20px}.subscribe-cta a.button{width:100%}}.article p a,.article .note a,.article li>a:not(:only-child){color:#8a6234;border-bottom:1px solid rgba(166,118,61,.45);transition:border-color .2s}.article p a:hover,.article .note a:hover,.article li>a:not(:only-child):hover{border-bottom-color:#8a6234}.disclaimer{margin-top:33px;padding-top:20px;border-top:1px solid var(--line);color:#6d7b89!important;font-size:13px}.author{margin-top:40px;padding:25px;border-top:3px solid var(--gold);background:#fffdf9}.insights-cat{margin-top:64px}.insights-cat:first-child{margin-top:0}.insights-cat h2{margin-top:0}.cards a.card{display:block}.cards a.card:hover{box-shadow:0 12px 25px rgba(16,42,67,.09);transform:translateY(-2px)}.card{transition:transform .2s,box-shadow .2s}.card p{margin:11px 0 0;font-size:14px;color:#536474}.author p{margin:7px 0 0;font-size:14px}.author strong{font-family:"Noto Serif TC",Georgia,serif;font-size:20px}footer{padding:33px clamp(24px,6vw,90px);background:#0a1d30;color:rgba(255,255,255,.66);display:flex;justify-content:space-between;gap:20px;font-size:12px}footer a{color:var(--gold-light)}.ins-wrap{max-width:1200px;margin:0 auto;padding:0 24px 104px}.ins-filter{position:sticky;top:0;z-index:3;display:flex;flex-wrap:wrap;gap:8px;padding:20px 0;background:var(--paper);border-bottom:1px solid var(--line);scrollbar-width:none}.ins-filter::-webkit-scrollbar{display:none}.ins-filter a{flex:0 0 auto;display:inline-flex;align-items:center;gap:8px;padding:10px 14px;border:1px solid var(--line);background:var(--white);color:#44576a;font-size:15px;line-height:1.4;white-space:nowrap;transition:border-color .2s,color .2s}.ins-filter a span{color:#a6763d;font-family:monospace;font-size:13px}.ins-filter a:hover{border-color:var(--gold);color:var(--ink)}.ins-filter a.is-active{background:var(--ink);border-color:var(--ink);color:#fff}.ins-filter a.is-active span{color:var(--gold-light)}.ins-list{margin:0;padding:0;list-style:none}.ins-item a{display:grid;grid-template-columns:130px 1fr 20px;gap:36px;align-items:start;padding:30px 0;border-bottom:1px solid var(--line)}.ins-item[hidden]{display:none}.ins-meta{display:flex;flex-direction:column;gap:3px;padding-top:3px;color:#6d7b89;font-size:12px}.ins-meta time{color:var(--ink);font-family:monospace;font-size:13px;letter-spacing:.04em}.ins-cat{margin:0 0 7px;color:#a6763d;font-family:monospace;font-size:11px;letter-spacing:.12em;text-transform:uppercase}.ins-item h2{margin:0;font-size:clamp(19px,1.9vw,23px);line-height:1.45;letter-spacing:.01em;transition:color .2s}html[lang^="zh"] .ins-cat{font-family:inherit;font-size:12px;letter-spacing:.08em}.ins-dek{margin:9px 0 0;max-width:720px;color:#536474;font-size:15px;line-height:1.7}.ins-arrow{padding-top:3px;color:#a6763d;font-size:17px;transition:transform .2s}.ins-item a:hover h2{color:#8a6234}.ins-item a:hover .ins-arrow{transform:translate(3px,-3px)}.ins-more{display:block;min-height:48px;margin:34px auto 0;padding:0 26px;border:1px solid var(--line);background:transparent;color:var(--ink);font-family:inherit;font-size:14px;font-weight:700;line-height:1;letter-spacing:.05em;cursor:pointer}.ins-more:hover{border-color:var(--gold);color:#8a6234}.ins-more[hidden]{display:none}.ins-wrap .callout{margin-top:80px}@media(max-width:760px){.ins-filter{flex-wrap:nowrap;overflow-x:auto;margin:0 -24px;padding:14px 24px}.ins-filter a{padding:9px 15px;font-size:14px}.ins-item a{grid-template-columns:1fr;gap:10px;padding:24px 0}.ins-meta{flex-direction:row;gap:14px;padding-top:0}.ins-arrow{display:none}.ins-stats{gap:6px 14px}.ins-stats span:nth-child(even){display:none}.ins-wrap .callout{margin-top:60px;padding:32px 24px}.nav-links>a{display:none}.hero{padding-top:133px}.article{padding-top:65px}.cards,.steps{grid-template-columns:1fr}.nav-links{gap:8px}.brand{font-size:17px}.article h2{margin-top:54px}footer{display:block}footer span{display:block;margin-bottom:8px}}
.svc-line{margin:44px 0 0;padding:16px 20px;border-left:3px solid var(--gold);background:#fffdf9;font-size:15px;color:#44576a}
.svc-line a{color:#8a6234;border-bottom:1px solid rgba(166,118,61,.45);font-weight:600}
.author p a{color:#8a6234}
footer span:last-child{max-width:980px;line-height:1.7}

.nl-embed{display:grid;grid-template-columns:1fr minmax(280px,420px);align-items:center;gap:8px 28px;border-top:3px solid var(--gold)}
.nl-embed .nl-copy p{margin:0}.nl-embed .nl-label{margin:0 0 6px!important;color:#a6763d!important;font-family:monospace;font-size:11px!important;letter-spacing:.12em}
.ss-embed{display:block;width:100%;max-width:420px;height:150px;border:0;background:transparent}
.nl-embed .nl-alt{grid-column:1/-1;margin:0;font-size:12px!important;color:#6d7b89!important}.nl-embed .nl-alt a{color:#8a6234;border-bottom:1px solid rgba(166,118,61,.45)}
@media(max-width:760px){.nl-embed{grid-template-columns:1fr}}
@media(max-width:760px){html[lang="en"] .nav{height:auto;padding:20px 24px;flex-direction:column;align-items:stretch;gap:10px}html[lang="en"] .nav .brand{font-size:17px;padding-right:86px}html[lang="en"] .nav-links{flex-wrap:wrap;gap:4px 16px}html[lang="en"] .nav-links>a{display:inline-flex;align-items:center;min-height:36px}html[lang="en"] .nav .language{position:absolute;top:22px;right:24px}html[lang="en"] .hero{padding-top:170px}}

.article-cover{margin:0 0 56px}.article-cover img{display:block;width:100%;height:auto;aspect-ratio:1376/768;object-fit:cover;background:var(--sand)}@media(max-width:760px){.article-cover{margin:0 -24px 40px}}

.list+.disclaimer{border-top:0;padding-top:0;margin-top:24px}
.counsel{max-width:860px;margin:22px 0 0;padding-top:16px;border-top:1px solid rgba(255,255,255,.22);color:rgba(255,255,255,.8);font-size:14px;line-height:1.7}.counsel strong{color:#fff}.counsel a{color:var(--gold-light);border-bottom:1px solid rgba(227,195,141,.5)}.stage-bar{background:var(--sand);border-bottom:1px solid var(--line);padding:22px clamp(24px,6vw,90px)}.stage-bar>p{margin:0 0 12px;color:#8a6234;font-family:monospace;font-size:12px;letter-spacing:.12em;text-transform:uppercase}html[lang^="zh"] .stage-bar>p{font-family:inherit;letter-spacing:.06em}.stage-bar ol{display:grid;grid-template-columns:repeat(7,1fr);gap:8px;margin:0;padding:0;list-style:none}.stage-bar a{display:flex;flex-direction:column;gap:3px;height:100%;padding:12px 13px;border:1px solid var(--line);background:var(--white);transition:border-color .2s}.stage-bar a:hover{border-color:var(--gold)}.stage-bar span{color:#a6763d;font-family:monospace;font-size:11px}.stage-bar em{font-style:normal;color:#536474;font-size:13px;line-height:1.45}.stage-bar strong{color:var(--ink);font-size:13px;line-height:1.4}.stage-bar a.is-here{background:var(--ink);border-color:var(--ink)}.stage-bar a.is-here em{color:rgba(255,255,255,.75)}.stage-bar a.is-here strong{color:#fff}.stage-bar a.is-here span{color:var(--gold-light)}@media(max-width:1100px){.stage-bar ol{display:flex;overflow-x:auto;scrollbar-width:none;margin:0 calc(-1*clamp(24px,6vw,90px));padding:0 clamp(24px,6vw,90px)}.stage-bar ol::-webkit-scrollbar{display:none}.stage-bar li{flex:0 0 168px}}

.article p, .article li { overflow-wrap: break-word; }
/* English article pages: type set for Latin text (2026-10-24) */
html[lang="en"] main:has(.author) .hero h1{max-width:900px;font-family:Georgia,"Times New Roman","Noto Serif TC",serif;font-size:clamp(32px,4vw,48px);line-height:1.18;letter-spacing:-.005em}
html[lang="en"] main:has(.author) .dek{max-width:680px;font-size:19px;line-height:1.6}
html[lang="en"] main:has(.author) .article{max-width:728px;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,"Noto Sans TC",sans-serif;font-size:18px;line-height:1.7}
html[lang="en"] main:has(.author) .article .lead{font-family:Georgia,"Times New Roman","Noto Serif TC",serif;font-size:clamp(19px,2vw,21px);line-height:1.6}
html[lang="en"] main:has(.author) .article h2,html[lang="en"] main:has(.author) .article h3{font-family:Georgia,"Times New Roman","Noto Serif TC",serif;letter-spacing:0}
html[lang="en"] main:has(.author) .article h2{font-size:clamp(25px,2.6vw,30px);line-height:1.3;margin-top:56px}
html[lang="en"] main:has(.author) .article h3{font-size:21px;line-height:1.35}
html[lang="en"] main:has(.author) .article .list li{font-size:18px}
@media(max-width:540px){html[lang="en"] main:has(.author) .article{font-size:17px}html[lang="en"] main:has(.author) .article .list li{font-size:17px}html[lang="en"] main:has(.author) .article h2{margin-top:46px}}
/* Traditional Chinese article pages: CJK reading width and size (2026-10-24) */
html[lang^="zh"] main:has(.author) .hero h1{max-width:900px;font-size:clamp(30px,3.8vw,52px);line-height:1.3;letter-spacing:.03em}
html[lang^="zh"] main:has(.author) .dek{max-width:700px;font-size:18px;line-height:1.75}
html[lang^="zh"] main:has(.author) .article{max-width:740px;font-size:18px;line-height:1.85}
html[lang^="zh"] main:has(.author) .article .lead{font-size:clamp(19px,2vw,22px);line-height:1.75}
html[lang^="zh"] main:has(.author) .article h2{font-size:clamp(24px,2.6vw,30px);line-height:1.4;letter-spacing:.02em;margin-top:56px}
html[lang^="zh"] main:has(.author) .article h3{font-size:21px;line-height:1.45}
html[lang^="zh"] main:has(.author) .article .list li{font-size:18px}
@media(max-width:540px){html[lang^="zh"] main:has(.author) .article,html[lang^="zh"] main:has(.author) .article .list li{font-size:17px}html[lang^="zh"] main:has(.author) .article h2{margin-top:46px}}
/* fees page table */
.fee-table-wrap{margin:28px 0 0;overflow-x:auto}
.fee-table{width:100%;border-collapse:collapse;font-size:16px;line-height:1.55}
.fee-table th{text-align:left;font-weight:600;color:#102a43;padding:12px 14px 12px 0;border-bottom:2px solid #102a43;font-size:14px}
.fee-table td{padding:14px 14px 14px 0;border-bottom:1px solid var(--line);vertical-align:top;color:#44576a}
.fee-table td:first-child{width:28%}.fee-table td:nth-child(2){width:24%;color:#102a43;font-weight:600}
.fee-table td a{color:#102a43}
@media (max-width:640px){.fee-table thead{display:none}.fee-table tr{display:block;padding:14px 0;border-bottom:1px solid var(--line)}.fee-table td{display:block;width:auto!important;border:0;padding:2px 0}}