/* 全域重置 */
* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

/* 網頁基底設定 */
body {
  font-family: 'Noto Sans TC', Arial, sans-serif;
  background-color: #f5f6f8;
  color: #0d1523;
  line-height: 1.6;
}

/* 主標題文字（左上） */
h1 {
  position: absolute;
  top: 24px;
  left: 60px;
  z-index: 5;
  font-size: 24px;
  font-weight: bold;
  color: #fff;
  text-shadow: 2px 2px 6px rgba(0, 0, 0, 0.6);
}

/* Banner 區背景圖 */
.banner {
  height: 95vh;
  background: url("image/banner.png") center/cover no-repeat;
  position: relative;
  color: #fff;
  display: flex;
  justify-content: center;
  align-items: center;
  text-align: left;
  padding: 20px;
}

/* 導覽列 */
.banner-nav {
  position: absolute;
  top: 20px;
  right: 40px;
}

.banner-nav ul {
  list-style: none;
  display: flex;
  gap: 20px;
}

.banner-nav a {
  color: #fff;
  text-decoration: none;
  font-weight: bold;
  font-size: 24px;
  transition: color 0.3s;
  text-shadow: 2px 2px 6px rgba(0, 0, 0, 0.6);
}

.banner-nav a:hover {
  color: #1d1523;
}

.banner-text {
  max-width: 85%;
}

.banner-text h2 {
  font-size: 72px;
  font-weight: bold;
  text-shadow: 2px 2px 6px rgba(0, 0, 0, 0.6);
  margin-bottom: 30px;
}

.banner-text p {
  font-size: 32px;
  font-weight: bold;
  text-shadow: 2px 2px 6px rgba(0, 0, 0, 0.6);
}

.services {
  padding: 60px 40px;
  background-color: #f5f6f8;
  text-align: center;
}

.title {
  font-size: 36px;
  font-weight: bold;
  border-bottom: 2px solid #1d1523;
  margin-bottom: 40px;
  color: #1d1523;
}

.services-group {
  display: flex;
  flex-wrap: wrap;
  gap: 30px;
  justify-content: center;
}

.service {
  width: 350px;
  padding: 60px;
  background-color: #fff;
  border-radius: 10px;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.06);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  transition: background-color 0.3s ease, box-shadow 0.3s ease;
}

.service:hover {
  background-color: #ececec;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
}

.service img {
  height: 100px;
  margin-bottom: 10px;
}

.service h3 {
  font-size: 24px;
  font-weight: bold;
  margin-bottom: 10px;
}

.service p {
  font-size: 16px;
  color: #555;
  text-align: left;
}

.loan-process {
  background-color: #f5f6f8;
  padding: 60px 40px;
  text-align: center;
}

.loan-process h2 {
  font-size: 36px;
  font-weight: bold;
  margin-bottom: 40px;
  color: #1d1523;
  border-bottom: 2px solid #0d1523;
}

.steps {
  display: flex;
  flex-wrap: wrap;
  gap: 30px;
  justify-content: center;
  align-items: center;
}

.step {
  width: 130px;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.step img {
  height: 80px;
  margin-bottom: 15px;
}

.step h3 {
  font-size: 24px;
  font-weight: bold;
  color: #1d1523;
}

.step p {
  font-size: 16px;
  color: #444;
}

.arrow {
  font-size: 28px;
  color: #1c274c;
  font-weight: bold;
}

.line-contact {
  background-color: #f5f6f8;
  text-align: center;
  padding: 20px 20px;
}

.line-text {
  font-size: 32px;
  font-weight: bold;
  color: #0d1523;
  line-height: 1.8;
  margin-bottom: 20px;
}

.line-button {
  display: inline-flex;
  align-items: center;
  background-color: #1c274c;
  color: #fff;
  font-size: 18px;
  font-weight: bold;
  padding: 10px 20px;
  border-radius: 30px;
  text-decoration: none;
  gap: 10px;
  transition: background-color 0.3s;
}

.line-button:hover {
  background-color: #1F2A44;
}

.line-button img {
  width: 36px;
  height: 36px;
}

.tab-switch {
  display: flex;
  justify-content: center;
  background-color: #1c274c;
  flex-wrap: wrap;
  gap: 5px;

}

.tab-button {
  padding: 14px 24px;
  background: none;
  border: none;
  color: #fff;
  font-size: 18px;
  font-weight: bold;
  cursor: pointer;
  transition: background-color 0.3s ease;
  border-bottom: 3px solid transparent;
}

.tab-button:hover,
.tab-button.active {
  background-color: rgba(255, 255, 255, 0.1);
  border-bottom: 3px solid #EACD76;
}

.tab-content-wrapper {
  background-color: #fff;
  padding: 0px  20px;
  border-radius: 10px;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.1);
  max-width: 750px;
  margin: auto;
  text-align: left;
  font-family: 'Noto Sans TC', Arial, sans-serif;
}

.tab-content {
  display: none;
  opacity: 0;
  transform: translateY(30px);
  padding: 10px 0;
}

.tab-content.active {
  display: block;
  opacity: 1;
  transform: translateY(0);
  
}

.tab-content h2 {
  font-size: 32px;
  font-weight: bold;
  color: #1c274c;
  margin-bottom: 5px;
}

.tab-content p {
  font-size: 18px;
  line-height: 1.8;
  margin-bottom: 16px;
  color: #333;
  letter-spacing: 0.3px;
  word-break: break-word;
}
  .faq-section {
    padding: 60px 20px;
    background-color: #f5f6f8;
    max-width: 800px;
    margin: auto;
  }

  .faq {
    display: flex;
    flex-direction: column;
    gap: 10px;
  }

  .faq-question {
    background-color: #1c274c;
    color: #fff;
    padding: 16px;
    font-size: 18px;
    font-weight: bold;
    border: none;
    border-radius: 8px;
    text-align: left;
    cursor: pointer;
    transition: background-color 0.3s ease;
  }

  .faq-question:hover {
    background-color: #0d1523;
  }

  .faq-answer {
    max-height: 0;
    overflow: hidden;
    background-color: #fff;
    padding: 0 16px;
    font-size: 18px;
    line-height: 1.6;
    color: #333;
    border-left: 4px solid #1c274c;
    transition: max-height 0.4s ease, padding 0.3s ease;
  }
.faq-answer h2 {
  font-size: 24px; /* 🔹標題大小適中，強調層次 */
  font-weight: bold; /* 🔹加粗問題標題 */
  color: #1c274c; /* 🔹主視覺深藍色系統一 */
  margin-bottom: 10px; /* 🔹標題與內容間距 */
  line-height: 1.5;
  letter-spacing: 0.5px;
}

.faq-answer p {
  font-size: 20px; /* 🔹稍大字體，提升閱讀性 */
  color: #333; /* 🔹深灰色，符合整體風格 */
  line-height: 1.5;
  letter-spacing: 0.3px; /* 🔹增加字距，避免擁擠感 */
  margin-bottom: 10px; /* 🔹段落之間的間距 */
  word-break: break-word; /* 🔹避免單字超出範圍 */
}

  .faq-answer.open {
    padding: 25px;
    max-height: 1000px;
  }

.loan-warning {
  background-color: #fffdf5;
  padding: 60px 20px;
  text-align: center;
}
.loan-warning .title {
  font-size: 26px;
  color: #1c274c;
  margin-bottom: 30px;
}
.warning-grid {
  background: #fffcef;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 20px;
}
.warning-card {
  background: #fffdf5;
  border: 2px solid #f5f6f8;
  border-radius: 12px;
  padding: 20px;
  box-shadow: 0 3px 10px rgba(0, 0, 0, 0.05);
  text-align: left;
}
.warning-card h3 {
  color: #cc3300;
  margin-bottom: 10px;
}
.warning-card p {
  color: #333;
  font-size: 15px;
  line-height: 1.5;
}

/* ✅ 通用圓框樣式（✔️與❌都用） */
.icon-check,
.icon-cross {
  display: inline-flex;               /* 使內部內容置中 */
  justify-content: center;
  align-items: center;
  width: 28px;                        /* 圓形寬高 */
  height: 28px;
  border-radius: 50%;                /* 圓形 */
  border: 2px solid currentColor;    /* 使用當前文字色作為邊框 */
  font-size: 16px;
  font-weight: bold;
  line-height: 1;
  margin-right: 8px;                 /* 與文字間距 */
  vertical-align: middle;
}

/* ✅ 勾勾圖示（✔） */
.icon-check {
  color: #2ecc71;  /* 綠色 ✔️ */
}
.icon-check::after {
  content: "✔";
}

/* ❌ 叉叉圖示（✕） */
.icon-cross {
  color: #e74c3c;  /* 紅色 ❌ */
}
.icon-cross::after {
  content: "✕";
}

  
.agent-card {
  display: flex;
  align-items: center;
  padding: 30px 60px 0;
  background-color: #CFC9BF;
  flex-wrap: wrap;
  justify-content: space-between;
  text-align: left;
}

.agent-info {
  flex: 1;
  min-width: 300px;
  color: #1c274c;
}

.agent-info h2 {
  font-size: 36px;
  font-weight: bold;
  margin-bottom: 10px;
}

.agent-info hr {
  border: none;
  border-top: 2px solid #1c274c;
  margin-bottom: 30px;
  width: 480px;
}

.contact {
  display: flex;
  flex-direction: column;
  gap: 20px;
  align-items: flex-start;
}

.contact-item {
  display: flex;
  align-items: center;
  gap: 16px;
  font-size: 42px;
  font-weight: bold;
}

.contact-item img {
  width: 40px;
  height: 40px;
}

.agent-photo {
  margin-left: auto;
}

.agent-photo img {
  width: 600px;
  max-width: 100%;
  height: auto;
  object-fit: cover;
}

.line-floating {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 100;
  width: 50px;
  height: 50px;
  background-color: #00c300;
  border-radius: 50%;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.3);
  display: flex;
  justify-content: center;
  align-items: center;
  transition: transform 0.3s, box-shadow 0.3s;
}

.line-floating:hover {
  transform: scale(1.1);
  box-shadow: 0 6px 16px rgba(0, 0, 0, 0.4);
}

.line-floating img {
  width: 32px;
  height: 32px;
}

.scroll-top-btn {
  position: fixed;
  bottom: 100px;
  right: 24px;
  z-index: 100;
  width: 50px;
  height: 50px;
  background-color: #1c274c;
  color: #fff;
  font-size: 28px;
  font-weight: bold;
  text-align: center;
  line-height: 50px;
  border-radius: 50%;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.3);
  text-decoration: none;
  transition: transform 0.3s ease-out, box-shadow 0.3s;
}

.scroll-top-btn:hover {
  animation: bounceUp 0.7s ease-out;
  background-color: #0d1523;
}

@keyframes bounceUp {
  0% { transform: translateY(0); }
  30% { transform: translateY(-15px); }
  60% { transform: translateY(0); }
  80% { transform: translateY(-8px); }
  100% { transform: translateY(0); }
}

footer {
  background-color: #313439;
  color: #fff;
  text-align: center;
  padding: 10px 0;
}

.animate-on-scroll {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 0.8s ease-out, transform 0.8s ease-out;
}

.animate-on-scroll.active {
  opacity: 1;
  transform: translateY(0);
}

.disclaimer-section {
  background-color: #313439;
  padding: 30px 20px;
  text-align: center;
  font-size: 15px;
  color: #ffffff;
  border-top: 1px solid #555;
}

/* 按鈕樣式 */
.disclaimer-toggle {
  background-color: transparent;
  border: none;
  font-size: 20px;
  font-weight: bold;
  color: #EACD76;
  cursor: pointer;
  margin-bottom: 10px;
  padding: 8px 16px;
  transition: color 0.3s, transform 0.3s;
  letter-spacing: 1px;
}

.disclaimer-toggle:hover {
  color: #ffffff;
  transform: scale(1.05);
}

/* ❌ 預設收合（隱藏） */
.disclaimer-content {
  max-height: 0;
  opacity: 0;
  overflow: hidden;
  margin-top: 0;
  padding: 0;
  background-color: #2b2d30;
  text-align: left;
  line-height: 1.8;
  transition: max-height 0.5s ease, opacity 0.5s ease, padding 0.4s;
  border-radius: 8px;
}

/* ✅ 展開樣式 */
.disclaimer-content.open {
  max-height: 800px;
  opacity: 1;
  padding: 20px;
  margin-top: 20px;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.3);
}

/* 內文字段落與標題 */
.disclaimer-content p {
  margin-bottom: 16px;
  color: #e2e2e2;
  font-size: 15px;
}

.disclaimer-content strong {
  display: inline-block;
  margin-bottom: 8px;
  color: #EACD76;
  font-size: 16px;
  font-weight: bold;
}
.disclaimer-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr); /* 直接設定五欄 */
  gap: 20px;
  margin-top: 15px;
}
.disclaimer-toggle .arrow {
  display: inline-block;
  margin-left: 6px;
  font-size: 24px;
  color: #EACD76; /* ← 改成你想要的顏色 */

}


@media (max-width: 1200px) {
  .disclaimer-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 768px) {
  .disclaimer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 480px) {
  .disclaimer-grid {
    grid-template-columns: 1fr;
  }
}

.disclaimer-item {
  background-color: #2b2d30;
  padding: 16px 20px;
  border-radius: 8px;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.2);
  height: 100%;
}

.disclaimer-item strong {
  display: block;
  margin-bottom: 8px;
  font-size: 16px;
  color: #EACD76;
}

.disclaimer-item p {
  font-size: 15px;
  line-height: 1.7;
  color: #e2e2e2;
  margin-bottom: 10px;
}


/* ✅ h1 響應式字體大小與位置控制 */

@media (max-width: 768px) {
  h1 {
    font-size: 20px;
    left: 20px;
    top: 20px;
  }
}

@media (max-width: 480px) {
  h1 {
    font-size: 18px;
    left: 50%;
    transform: translateX(-50%);
    text-align: center;
  }
}

/* ✅ 原本已存在的響應式區段合併整理後統一保留 */

@media (max-width: 768px) {
  .banner-text h2 {
    font-size: 36px;
    line-height: 1.4;
    text-align: center;
  }

  .banner-text p {
    font-size: 20px;
    line-height: 1.6;
    text-align: center;
  }

  .banner-nav ul {
    gap: 10px;
  }

  .banner-nav a {
    font-size: 14px;
  }

  .title {
    font-size: 28px;
    border-bottom: 1.5px solid #0d1523;
  }

  .service {
    padding: 30px 20px;
  }

  .service h3 {
    font-size: 16px;
  }

  .service p {
    font-size: 13px;
    line-height: 1.6;
  }

  .loan-process h2 {
    font-size: 28px;
  }

  .step h3 {
    font-size: 16px;
  }

  .step p {
    font-size: 13px;
  }

  .line-text {
    font-size: 20px;
    line-height: 1.6;
  }

  .line-button {
    font-size: 16px;
    padding: 8px 16px;
  }

  .agent-card {
    padding: 40px;
    flex-direction: column;
    text-align: center;
    gap: 30px;
  }

  .agent-info h2 {
    font-size: 24px;
    margin-bottom: 16px;
    line-height: 1.5;
    padding: 0 10px;
  }

  .agent-info hr {
    margin: 20px auto;
    width: 60%;
  }

  .contact {
    align-items: center;
    gap: 16px;
  }

  .contact-item {
    justify-content: center;
    font-size: 16px;
    gap: 12px;
  }

  footer {
    font-size: 14px;
  }
}

@media (max-width: 575.98px) {
  .banner-text h2 {
    font-size: 28px;
  }

  .banner-text p {
    font-size: 16px;
  }

  .service {
    width: 100%;
  }

  .tab-content-wrapper {
    padding: 10px;
  }

  .faq-answer p {
    font-size: 16px;
  }

  .line-text {
    font-size: 18px;
  }

  .contact-item {
    font-size: 14px;
  }

  .agent-info h2 {
    font-size: 20px;
  }

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

@media (min-width: 576px) and (max-width: 767.98px) {
  .banner-text h2 {
    font-size: 32px;
  }

  .banner-text p {
    font-size: 18px;
  }

  .service {
    width: 100%;
  }

  .tab-content-wrapper {
    padding: 15px;
  }

  .faq-answer p {
    font-size: 17px;
  }
}

@media (min-width: 768px) and (max-width: 991.98px) {
  .service {
    width: 45%;
  }

  .agent-card {
    padding: 30px;
  }

  .agent-info h2 {
    font-size: 28px;
  }

  .contact-item {
    font-size: 24px;
  }
}