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1Toggle menu</span></button></div></div></header><div class="h-16" aria-hidden="true"></div><main class="flex-1"><div class="container mx-auto py-12 px-4 md:py-16"><div class="space-y-10"><header class="space-y-2"><h1 class="text-3xl font-bold bg-gradient-to-r from-sky-600 via-violet-600 to-rose-600 bg-clip-text text-transparent dark:from-sky-300 dark:via-violet-300 dark:to-rose-300">工具</h1><p class="text-muted-foreground">理財試算與規劃工具</p><div class="h-0.5 w-12 rounded-full bg-gradient-to-r from-sky-500 via-violet-500 to-rose-500" aria-hidden="true"></div></header><div class="grid grid-cols-1 gap-6 sm:grid-cols-2 lg:grid-cols-3 md:gap-8"><a class="group block rounded-2xl focus:outline-none focus-visible:ring-2 focus-visible:ring-primary focus-visible:ring-offset-2 focus-visible:ring-offset-background" href="/tools/irr-calculator"><div class="text-card-foreground relative h-full min-h-[9rem] overflow-hidden rounded-2xl border transition-all duration-200 cursor-pointer border-white/[0.08] bg-gradient-to-br from-card/95 to-card/60 shadow-sm backdrop-blur-sm hover:-translate-y-0.5 hover:border-white/15 hover:shadow-xl"><div class="pointer-events-none absolute inset-y-0 left-0 w-1 bg-gradient-to-b from-amber-500 to-sky-500 opacity-90" aria-hidden="true"></div><div class="absolute right-3 top-3 z-10"><div class="inline-flex items-center rounded-full border px-2.5 py-0.5 transition-colors focus:outline-none focus:ring-2 focus:ring-ring focus:ring-offset-2 hover:bg-primary/80 border-emerald-400/30 bg-emerald-500/25 text-emerald-50 text-[11px] font-semibold backdrop-blur-sm dark:border-emerald-400/25 dark:bg-emerald-600/20 dark:text-emerald-100">新功能</div></div><div class="space-y-1.5 p-6 flex flex-row items-start gap-4 py-5 pl-5 pr-4 sm:gap-5 sm:py-6 sm:pl-6"><div class="mt-0.5 flex h-12 w-12 shrink-0 items-center justify-center rounded-2xl bg-gradient-to-br from-amber-500 to-sky-500 p-[1px] shadow-inner" aria-hidden="true"><div class="flex h-full w-full items-center justify-center rounded-[0.9rem] bg-background/85 dark:bg-background/80"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-percent h-6 w-6 text-foreground" aria-hidden="true"><line x1="19" x2="5" y1="5" y2="19"></line><circle cx="6.5" cy="6.5" r="2.5"></circle><circle cx="17.5" cy="17.5" r="2.5"></circle></svg></div></div><div class="min-w-0 flex-1 space-y-1.5 pr-2 pt-0.5"><h3 class="text-lg font-bold leading-snug tracking-tight text-foreground sm:text-xl sm:leading-tight">IRR 計算機</h3><p class="line-clamp-2 text-xs font-normal leading-relaxed text-muted-foreground/90 sm:text-[0.8125rem] sm:leading-snug">依不規則日期現金流計算內部報酬率(XIRR),評估投資或專案報酬</p></div></div></div></a><a class="group block rounded-2xl focus:outline-none focus-visible:ring-2 focus-visible:ring-primary focus-visible:ring-offset-2 focus-visible:ring-offset-background" href="/tools/insurance-needs"><div class="text-card-foreground relative h-full min-h-[9rem] overflow-hidden rounded-2xl border transition-all duration-200 cursor-pointer border-white/[0.08] bg-gradient-to-br from-card/95 to-card/60 shadow-sm backdrop-blur-sm hover:-translate-y-0.5 hover:border-white/15 hover:shadow-xl"><div class="pointer-events-none absolute inset-y-0 left-0 w-1 bg-gradient-to-b from-sky-500 to-violet-500 opacity-90" aria-hidden="true"></div><div class="absolute right-3 top-3 z-10"><div class="inline-flex items-center rounded-full border px-2.5 py-0.5 transition-colors focus:outline-none focus:ring-2 focus:ring-ring focus:ring-offset-2 hover:bg-primary/80 border-emerald-400/30 bg-emerald-500/25 text-emerald-50 text-[11px] font-semibold backdrop-blur-sm dark:border-emerald-400/25 dark:bg-emerald-600/20 dark:text-emerald-100">新功能</div></div><div class="space-y-1.5 p-6 flex flex-row items-start gap-4 py-5 pl-5 pr-4 sm:gap-5 sm:py-6 sm:pl-6"><div class="mt-0.5 flex h-12 w-12 shrink-0 items-center justify-center rounded-2xl bg-gradient-to-br from-sky-500 to-violet-500 p-[1px] shadow-inner" aria-hidden="true"><div class="flex h-full w-full items-center justify-center rounded-[0.9rem] bg-background/85 dar
1k:bg-background/80"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-shield h-6 w-6 text-foreground" aria-hidden="true"><path d="M20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z"></path></svg></div></div><div class="min-w-0 flex-1 space-y-1.5 pr-2 pt-0.5"><h3 class="text-lg font-bold leading-snug tracking-tight text-foreground sm:text-xl sm:leading-tight">保障需求分析</h3><p class="line-clamp-2 text-xs font-normal leading-relaxed text-muted-foreground/90 sm:text-[0.8125rem] sm:leading-snug">透過引導式問卷分析醫療與壽險的保障缺口,產出建議保額</p></div></div></div></a><a class="group block rounded-2xl focus:outline-none focus-visible:ring-2 focus-visible:ring-primary focus-visible:ring-offset-2 focus-visible:ring-offset-background" href="/tools/break-even"><div class="text-card-foreground relative h-full min-h-[9rem] overflow-hidden rounded-2xl border transition-all duration-200 cursor-pointer border-white/[0.08] bg-gradient-to-br from-card/95 to-card/60 shadow-sm backdrop-blur-sm hover:-translate-y-0.5 hover:border-white/15 hover:shadow-xl"><div class="pointer-events-none absolute inset-y-0 left-0 w-1 bg-gradient-to-b from-fuchsia-500 to-rose-500 opacity-90" aria-hidden="true"></div><div class="space-y-1.5 p-6 flex flex-row items-start gap-4 py-5 pl-5 pr-4 sm:gap-5 sm:py-6 sm:pl-6"><div class="mt-0.5 flex h-12 w-12 shrink-0 items-center justify-center rounded-2xl bg-gradient-to-br from-fuchsia-500 to-rose-500 p-[1px] shadow-inner" aria-hidden="true"><div class="flex h-full w-full items-center justify-center rounded-[0.9rem] bg-background/85 dark:bg-background/80"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chart-no-axes-column-increasing h-6 w-6 text-foreground" aria-hidden="true"><path d="M5 21v-6"></path><path d="M12 21V9"></path><path d="M19 21V3"></path></svg></div></div><div class="min-w-0 flex-1 space-y-1.5 pr-2 pt-0.5"><h3 class="text-lg font-bold leading-snug tracking-tight text-foreground sm:text-xl sm:leading-tight">損益試算</h3><p class="line-clamp-2 text-xs font-normal leading-relaxed text-muted-foreground/90 sm:text-[0.8125rem] sm:leading-snug">試算損益平衡所需月/日銷量與營業額,評估固定與變動成本結構</p></div></div></div></a><a class="group block rounded-2xl focus:outline-none focus-visible:ring-2 focus-visible:ring-primary focus-visible:ring-offset-2 focus-visible:ring-offset-background" href="/tools/leverage-calculator"><div class="text-card-foreground relative h-full min-h-[9rem] overflow-hidden rounded-2xl border transition-all duration-200 cursor-pointer border-white/[0.08] bg-gradient-to-br from-card/95 to-card/60 shadow-sm backdrop-blur-sm hover:-translate-y-0.5 hover:border-white/15 hover:shadow-xl"><div class="pointer-events-none absolute inset-y-0 left-0 w-1 bg-gradient-to-b from-amber-500 to-sky-500 opacity-90" aria-hidden="true"></div><div class="space-y-1.5 p-6 flex flex-row items-start gap-4 py-5 pl-5 pr-4 sm:gap-5 sm:py-6 sm:pl-6"><div class="mt-0.5 flex h-12 w-12 shrink-0 items-center justify-center rounded-2xl bg-gradient-to-br from-amber-500 to-sky-500 p-[1px] shadow-inner" aria-hidden="true"><div class="flex h-full w-full items-center justify-center rounded-[0.9rem] bg-background/85 dark:bg-background/80"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-scale h-6 w-6 text-foreground" aria-hidden="true"><path d="M12 3v18"></path><path d="m19 8 3 8a5 5 0 0 1-6 0zV7"></path><path d="M3 7h1a17 17 0 0 0 8-2 17 17 0 0 0 8 2h1"></path><path d="m5 8 3 8a5 5 0 0 1-6 0zV7"></path><path d="M7 21h10"></path></svg></div></div><div class="min-w-0 flex-1 space-y-1.5 pr-2 pt-0.5"><h3 class="text-lg font-bold leading-snug tracking-tight text-foreground sm:text-xl sm:leading-tight">槓桿投資安全水位</h3><p class="line-clamp-2 text-xs font-normal leading-relaxed text-muted-foreground
1/90 sm:text-[0.8125rem] sm:leading-snug">估算槓桿投資的維持率、最大可承受跌幅與借款成本覆蓋</p></div></div></div></a><a class="group block rounded-2xl focus:outline-none focus-visible:ring-2 focus-visible:ring-primary focus-visible:ring-offset-2 focus-visible:ring-offset-background" href="/tools/dca-calculator"><div class="text-card-foreground relative h-full min-h-[9rem] overflow-hidden rounded-2xl border transition-all duration-200 cursor-pointer border-white/[0.08] bg-gradient-to-br from-card/95 to-card/60 shadow-sm backdrop-blur-sm hover:-translate-y-0.5 hover:border-white/15 hover:shadow-xl"><div class="pointer-events-none absolute inset-y-0 left-0 w-1 bg-gradient-to-b from-fuchsia-500 to-rose-500 opacity-90" aria-hidden="true"></div><div class="space-y-1.5 p-6 flex flex-row items-start gap-4 py-5 pl-5 pr-4 sm:gap-5 sm:py-6 sm:pl-6"><div class="mt-0.5 flex h-12 w-12 shrink-0 items-center justify-center rounded-2xl bg-gradient-to-br from-fuchsia-500 to-rose-500 p-[1px] shadow-inner" aria-hidden="true"><div class="flex h-full w-full items-center justify-center rounded-[0.9rem] bg-background/85 dark:bg-background/80"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-trending-up h-6 w-6 text-foreground" aria-hidden="true"><path d="M16 7h6v6"></path><path d="m22 7-8.5 8.5-5-5L2 17"></path></svg></div></div><div class="min-w-0 flex-1 space-y-1.5 pr-2 pt-0.5"><h3 class="text-lg font-bold leading-snug tracking-tight text-foreground sm:text-xl sm:leading-tight">定期定額投資試算</h3><p class="line-clamp-2 text-xs font-normal leading-relaxed text-muted-foreground/90 sm:text-[0.8125rem] sm:leading-snug">計算定期定額投資的未來價值和報酬,幫助您規劃長期投資策略</p></div></div></div></a><a class="group block rounded-2xl focus:outline-none focus-visible:ring-2 focus-visible:ring-primary focus-visible:ring-offset-2 focus-visible:ring-offset-background" href="/tools/compound"><div class="text-card-foreground relative h-full min-h-[9rem] overflow-hidden rounded-2xl border transition-all duration-200 cursor-pointer border-white/[0.08] bg-gradient-to-br from-card/95 to-card/60 shadow-sm backdrop-blur-sm hover:-translate-y-0.5 hover:border-white/15 hover:shadow-xl"><div class="pointer-events-none absolute inset-y-0 left-0 w-1 bg-gradient-to-b from-amber-500 to-sky-500 opacity-90" aria-hidden="true"></div><div class="space-y-1.5 p-6 flex flex-row items-start gap-4 py-5 pl-5 pr-4 sm:gap-5 sm:py-6 sm:pl-6"><div class="mt-0.5 flex h-12 w-12 shrink-0 items-center justify-center rounded-2xl bg-gradient-to-br from-amber-500 to-sky-500 p-[1px] shadow-inner" aria-hidden="true"><div class="flex h-full w-full items-center justify-center rounded-[0.9rem] bg-background/85 dark:bg-background/80"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-calculator h-6 w-6 text-foreground" aria-hidden="true"><rect width="16" height="20" x="4" y="2" rx="2"></rect><line x1="8" x2="16" y1="6" y2="6"></line><line x1="16" x2="16" y1="14" y2="18"></line><path d="M16 10h.01"></path><path d="M12 10h.01"></path><path d="M8 10h.01"></path><path d="M12 14h.01"></path><path d="M8 14h.01"></path><path d="M12 18h.01"></path><path d="M8 18h.01"></path></svg></div></div><div class="min-w-0 flex-1 space-y-1.5 pr-2 pt-0.5"><h3 class="text-lg font-bold leading-snug tracking-tight text-foreground sm:text-xl sm:leading-tight">複利計算機</h3><p class="line-clamp-2 text-xs font-normal leading-relaxed text-muted-foreground/90 sm:text-[0.8125rem] sm:leading-snug">計算複利投資的未來價值,支援多種計算模式和情境比較</p></div></div></div></a><a class="group block rounded-2xl focus:outline-none focus-visible:ring-2 focus-visible:ring-primary focus-visible:ring-offset-2 focus-visible:ring-offset-background" href="/tools/labor-insurance"><div class="text-card-foreground relative h-full min-h-[9rem] overflow-hidden rounded-2xl border transition-all duration-200 cursor-pointer border-white/[0.08] bg-gradient-to-br from-card/95 to-card/60 shadow-sm backdrop-blur-sm hover:-translate-y-0.5 hover:border-white/15 hover:shadow-xl"><div class="pointer-events-none absolute inset-y-0 left-0 w-1 bg-gradient-to-b from-violet-500 to-fuchsia-500 opacity-90" aria-hidden="true"></div><div class="space-y-1.5 p-6 flex flex-row items-start gap-4 py-5 pl-5 pr-4 sm:gap-5 sm:py-6 sm:pl-6"><div class="mt-0.5 flex h-12 w-12 shrink-0 items-center justify-center rounded-2xl bg-gradient-to-br from-violet-500 to-fuchsia-500 p-[1px] shadow-inner" aria-hidden="true"><div class="flex h-full w-full items-center justify-center rounded-[0.9rem] bg-background/85 dar
1k:bg-background/80"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-shield h-6 w-6 text-foreground" aria-hidden="true"><path d="M20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z"></path></svg></div></div><div class="min-w-0 flex-1 space-y-1.5 pr-2 pt-0.5"><h3 class="text-lg font-bold leading-snug tracking-tight text-foreground sm:text-xl sm:leading-tight">勞保試算</h3><p class="line-clamp-2 text-xs font-normal leading-relaxed text-muted-foreground/90 sm:text-[0.8125rem] sm:leading-snug">試算勞保老年給付,可帶入退休規劃</p></div></div></div></a><a class="group block rounded-2xl focus:outline-none focus-visible:ring-2 focus-visible:ring-primary focus-visible:ring-offset-2 focus-visible:ring-offset-background" href="/tools/labor-pension"><div class="text-card-foreground relative h-full min-h-[9rem] overflow-hidden rounded-2xl border transition-all duration-200 cursor-pointer border-white/[0.08] bg-gradient-to-br from-card/95 to-card/60 shadow-sm backdrop-blur-sm hover:-translate-y-0.5 hover:border-white/15 hover:shadow-xl"><div class="pointer-events-none absolute inset-y-0 left-0 w-1 bg-gradient-to-b from-fuchsia-500 to-rose-500 opacity-90" aria-hidden="true"></div><div class="space-y-1.5 p-6 flex flex-row items-start gap-4 py-5 pl-5 pr-4 sm:gap-5 sm:py-6 sm:pl-6"><div class="mt-0.5 flex h-12 w-12 shrink-0 items-center justify-center rounded-2xl bg-gradient-to-br from-fuchsia-500 to-rose-500 p-[1px] shadow-inner" aria-hidden="true"><div class="flex h-full w-full items-center justify-center rounded-[0.9rem] bg-background/85 dark:bg-background/80"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-wallet h-6 w-6 text-foreground" aria-hidden="true"><path d="M19 7V4a1 1 0 0 0-1-1H5a2 2 0 0 0 0 4h15a1 1 0 0 1 1 1v4h-3a2 2 0 0 0 0 4h3a1 1 0 0 0 1-1v-2a1 1 0 0 0-1-1"></path><path d="M3 5v14a2 2 0 0 0 2 2h15a1 1 0 0 0 1-1v-4"></path></svg></div></div><div class="min-w-0 flex-1 space-y-1.5 pr-2 pt-0.5"><h3 class="text-lg font-bold leading-snug tracking-tight text-foreground sm:text-xl sm:leading-tight">勞退試算</h3><p class="line-clamp-2 text-xs font-normal leading-relaxed text-muted-foreground/90 sm:text-[0.8125rem] sm:leading-snug">試算勞退新制退休金,可帶入退休規劃</p></div></div></div></a><a class="group block rounded-2xl focus:outline-none focus-visible:ring-2 focus-visible:ring-primary focus-visible:ring-offset-2 focus-visible:ring-offset-background" href="/tools/loan"><div class="text-card-foreground relative h-full min-h-[9rem] overflow-hidden rounded-2xl border transition-all duration-200 cursor-pointer border-white/[0.08] bg-gradient-to-br from-card/95 to-card/60 shadow-sm backdrop-blur-sm hover:-translate-y-0.5 hover:border-white/15 hover:shadow-xl"><div class="pointer-events-none absolute inset-y-0 left-0 w-1 bg-gradient-to-b from-violet-500 to-fuchsia-500 opacity-90" aria-hidden="true"></div><div class="space-y-1.5 p-6 flex flex-row items-start gap-4 py-5 pl-5 pr-4 sm:gap-5 sm:py-6 sm:pl-6"><div class="mt-0.5 flex h-12 w-12 shrink-0 items-center justify-center rounded-2xl bg-gradient-to-br from-violet-500 to-fuchsia-500 p-[1px] shadow-inner" aria-hidden="true"><div class="flex h-full w-full items-center justify-center rounded-[0.9rem] bg-background/85 dark:bg-background/80"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-banknote h-6 w-6 text-foreground" aria-hidden="true"><rect width="20" height="12" x="2" y="6" rx="2"></rect><circle cx="12" cy="12" r="2"></circle><path d="M6 12h.01M18 12h.01"></path></svg></div></div><div class="min-w-0 flex-1 space-y-1.5 pr-2 pt-0.5"><h3 class="text-lg font-bold leading-snug tracking-tight text-foreground sm:text-xl sm:leading-tight">貸款試算器</h3><p class="line-clamp-2 text-xs font-normal leading-relaxed text-muted-foreground
1/90 sm:text-[0.8125rem] sm:leading-snug">計算貸款還款計劃和總利息,支援多種還款方式和進階功能</p></div></div></div></a><a class="group block rounded-2xl focus:outline-none focus-visible:ring-2 focus-visible:ring-primary focus-visible:ring-offset-2 focus-visible:ring-offset-background" href="/auth?redirect=%2Ftools%2Fcredit-cards"><div class="text-card-foreground relative h-full min-h-[9rem] overflow-hidden rounded-2xl border transition-all duration-200 cursor-pointer border-white/[0.08] bg-gradient-to-br from-card/95 to-card/60 shadow-sm backdrop-blur-sm hover:-translate-y-0.5 hover:border-white/15 hover:shadow-xl"><div class="pointer-events-none absolute inset-y-0 left-0 w-1 bg-gradient-to-b from-sky-500 to-violet-500 opacity-90" aria-hidden="true"></div><div class="space-y-1.5 p-6 flex flex-row items-start gap-4 py-5 pl-5 pr-4 sm:gap-5 sm:py-6 sm:pl-6"><div class="mt-0.5 flex h-12 w-12 shrink-0 items-center justify-center rounded-2xl bg-gradient-to-br from-sky-500 to-violet-500 p-[1px] shadow-inner" aria-hidden="true"><div class="flex h-full w-full items-center justify-center rounded-[0.9rem] bg-background/85 dark:bg-background/80"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-credit-card h-6 w-6 text-foreground" aria-hidden="true"><rect width="20" height="14" x="2" y="5" rx="2"></rect><line x1="2" x2="22" y1="10" y2="10"></line></svg></div></div><div class="min-w-0 flex-1 space-y-1.5 pr-2 pt-0.5"><h3 class="text-lg font-bold leading-snug tracking-tight text-foreground sm:text-xl sm:leading-tight">信用卡管理</h3><p class="line-clamp-2 text-xs font-normal leading-relaxed text-muted-foreground/90 sm:text-[0.8125rem] sm:leading-snug">管理您的信用卡資訊、優惠活動和繳款提醒</p></div></div></div></a><a class="group block rounded-2xl focus:outline-none focus-visible:ring-2 focus-visible:ring-primary focus-visible:ring-offset-2 focus-visible:ring-offset-background" href="/tools/fire-calculator"><div class="text-card-foreground relative h-full min-h-[9rem] overflow-hidden rounded-2xl border transition-all duration-200 cursor-pointer border-white/[0.08] bg-gradient-to-br from-card/95 to-card/60 shadow-sm backdrop-blur-sm hover:-translate-y-0.5 hover:border-white/15 hover:shadow-xl"><div class="pointer-events-none absolute inset-y-0 left-0 w-1 bg-gradient-to-b from-rose-500 to-amber-500 opacity-90" aria-hidden="true"></div><div class="space-y-1.5 p-6 flex flex-row items-start gap-4 py-5 pl-5 pr-4 sm:gap-5 sm:py-6 sm:pl-6"><div class="mt-0.5 flex h-12 w-12 shrink-0 items-center justify-center rounded-2xl bg-gradient-to-br from-rose-500 to-amber-500 p-[1px] shadow-inner" aria-hidden="true"><div class="flex h-full w-full items-center justify-center rounded-[0.9rem] bg-background/85 dark:bg-background/80"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-flame h-6 w-6 text-foreground" aria-hidden="true"><path d="M12 3q1 4 4 6.5t3 5.5a1 1 0 0 1-14 0 5 5 0 0 1 1-3 1 1 0 0 0 5 0c0-2-1.5-3-1.5-5q0-2 2.5-4"></path></svg></div></div><div class="min-w-0 flex-1 space-y-1.5 pr-2 pt-0.5"><h3 class="text-lg font-bold leading-snug tracking-tight text-foreground sm:text-xl sm:leading-tight">FIRE 財務自由計算機</h3><p class="line-clamp-2 text-xs font-normal leading-relaxed text-muted-foreground/90 sm:text-[0.8125rem] sm:leading-snug">計算達到財務自由所需的時間、資產和儲蓄計劃</p></div></div></div></a><a class="group block rounded-2xl focus:outline-none focus-visible:ring-2 focus-visible:ring-primary focus-visible:ring-offset-2 focus-visible:ring-offset-background" href="/tools/education-fund"><div class="text-card-foreground relative h-full min-h-[9rem] overflow-hidden rounded-2xl border transition-all duration-200 cursor-pointer border-white/[0.08] bg-gradient-to-br from-card/95 to-card/60 shadow-sm backdrop-blur-sm hover:-translate-y-0.5 hover:border-white/15 hover:shadow-xl"><div class="pointer-events-none absolute inset-y-0 left-0 w-1 bg-gradient-to-b from-sky-500 to-violet-500 opacity-90" aria-hidden="true"></div><div class="space-y-1.5 p-6 flex flex-row items-start gap-4 py-5 pl-5 pr-4 sm:gap-5 sm:py-6 sm:pl-6"><div class="mt-0.5 flex h-12 w-12 shrink-0 items-center justify-center rounded-2xl bg-gradient-to-br from-sky-500 to-violet-500 p-[1px] shadow-inner" aria-hidden="true"><div class="flex h-full w-full items-center justify-center rounded-[0.9rem] bg-background/85 dar
1k:bg-background/80"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-graduation-cap h-6 w-6 text-foreground" aria-hidden="true"><path d="M21.42 10.922a1 1 0 0 0-.019-1.838L12.83 5.18a2 2 0 0 0-1.66 0L2.6 9.08a1 1 0 0 0 0 1.832l8.57 3.908a2 2 0 0 0 1.66 0z"></path><path d="M22 10v6"></path><path d="M6 12.5V16a6 3 0 0 0 12 0v-3.5"></path></svg></div></div><div class="min-w-0 flex-1 space-y-1.5 pr-2 pt-0.5"><h3 class="text-lg font-bold leading-snug tracking-tight text-foreground sm:text-xl sm:leading-tight">子女教育基金規劃</h3><p class="line-clamp-2 text-xs font-normal leading-relaxed text-muted-foreground/90 sm:text-[0.8125rem] sm:leading-snug">計算子女教育費用,規劃教育基金投資策略,支援多子女、多階段規劃</p></div></div></div></a><div class="bg-card text-card-foreground shadow relative h-full min-h-[9rem] overflow-hidden rounded-2xl border transition-all duration-200 cursor-not-allowed border-border opacity-50"><div class="pointer-events-none absolute inset-y-0 left-0 w-1 bg-gradient-to-b from-rose-500 to-amber-500 opacity-90" aria-hidden="true"></div><div class="absolute right-3 top-3 z-10"><div class="inline-flex items-center rounded-full border px-2.5 py-0.5 transition-colors focus:outline-none focus:ring-2 focus:ring-ring focus:ring-offset-2 hover:bg-primary/80 border-zinc-400/30 bg-zinc-500/25 text-zinc-50 text-[11px] font-semibold backdrop-blur-sm dark:border-zinc-400/20 dark:bg-zinc-600/30 dark:text-zinc-100">翻新中</div></div><div class="space-y-1.5 p-6 flex flex-row items-start gap-4 py-5 pl-5 pr-4 sm:gap-5 sm:py-6 sm:pl-6"><div class="mt-0.5 flex h-12 w-12 shrink-0 items-center justify-center rounded-2xl bg-gradient-to-br from-rose-500 to-amber-500 p-[1px] shadow-inner" aria-hidden="true"><div class="flex h-full w-full items-center justify-center rounded-[0.9rem] bg-background/85 dark:bg-background/80"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-file-text h-6 w-6 text-foreground" aria-hidden="true"><path d="M6 22a2 2 0 0 1-2-2V4a2 2 0 0 1 2-2h8a2.4 2.4 0 0 1 1.704.706l3.588 3.588A2.4 2.4 0 0 1 20 8v12a2 2 0 0 1-2 2z"></path><path d="M14 2v5a1 1 0 0 0 1 1h5"></path><path d="M10 9H8"></path><path d="M16 13H8"></path><path d="M16 17H8"></path></svg></div></div><div class="min-w-0 flex-1 space-y-1.5 pr-2 pt-0.5"><h3 class="text-lg font-bold leading-snug tracking-tight text-foreground sm:text-xl sm:leading-tight">財務報告生成</h3><p class="line-clamp-2 text-xs font-normal leading-relaxed text-muted-foreground/90 sm:text-[0.8125rem] sm:leading-snug">透過可配置的圖表、指標與文件卡片,快速輸出易於分享的財務報告檔案</p></div></div></div><a class="group block rounded-2xl focus:outline-none focus-visible:ring-2 focus-visible:ring-primary focus-visible:ring-offset-2 focus-visible:ring-offset-background" href="/tools/budget-planner"><div class="text-card-foreground relative h-full min-h-[9rem] overflow-hidden rounded-2xl border transition-all duration-200 cursor-pointer border-white/[0.08] bg-gradient-to-br from-card/95 to-card/60 shadow-sm backdrop-blur-sm hover:-translate-y-0.5 hover:border-white/15 hover:shadow-xl"><div class="pointer-events-none absolute inset-y-0 left-0 w-1 bg-gradient-to-b from-fuchsia-500 to-rose-500 opacity-90" aria-hidden="true"></div><div class="space-y-1.5 p-6 flex flex-row items-start gap-4 py-5 pl-5 pr-4 sm:gap-5 sm:py-6 sm:pl-6"><div class="mt-0.5 flex h-12 w-12 shrink-0 items-center justify-center rounded-2xl bg-gradient-to-br from-fuchsia-500 to-rose-500 p-[1px] shadow-inner" aria-hidden="true"><div class="flex h-full w-full items-center justify-center rounded-[0.9rem] bg-background/85 dark:bg-background/80"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chart-pie h-6 w-6 text-foreground" aria-hidden="true"><path d="M21 12c.552 0 1.005-.449.95-.998a10 10 0 0 0-8.953-8.951c-.55-.055-.998.398-.998.95v8a1 1 0 0 0 1 1z"></path><path d="M21.21 15.89A10 10 0 1 1 8 2.83"></path></svg></div></div><div class="min-w-0 flex-1 space-y-1.5 pr-2 pt-0.5"><h3 class="text-lg font-bold leading-snug tracking-tight text-foreground sm:text-xl sm:leading-tight">預算規劃表</h3><p class="line-clamp-2 text-xs font-normal leading-relaxed text-muted-foreground
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