feat(quality-owner): 增加优质号主、极品专区与无忧租号保险

- 支持保证金余额支付、在线支付开通及后台手动设置审计
- 新增极品专区发布权限、赔付方案与保险结算费率快照
- 优化首页、商品卡和个人中心的优质号主身份展示

frontend/src/features/seller/views/MobileSellerListingCreateView.css

@@ -870,6 +870,100 @@
   line-height: 1.5;
 }
 
+.premium-coverage-card {
+  display: grid;
+  gap: 12px;
+  margin: 4px 0 12px;
+  padding: 14px;
+  border: 1px solid #e5e7eb;
+  border-radius: 8px;
+  background: #f8fafc;
+}
+
+.premium-zone-row,
+.coverage-heading {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 12px;
+}
+
+.premium-zone-row strong,
+.coverage-heading strong {
+  display: block;
+  color: #20242a;
+  font-size: 14px;
+  font-weight: 800;
+}
+
+.premium-zone-row span,
+.coverage-heading span {
+  display: block;
+  margin-top: 3px;
+  color: #858c96;
+  font-size: 11px;
+  line-height: 1.45;
+}
+
+.quality-owner-link {
+  justify-self: start;
+  padding: 0;
+  border: none;
+  background: transparent;
+  color: #7c3aed;
+  font-size: 12px;
+  font-weight: 800;
+}
+
+.coverage-option-grid {
+  display: grid;
+  grid-template-columns: repeat(2, minmax(0, 1fr));
+  gap: 8px;
+}
+
+.coverage-option {
+  display: grid;
+  align-content: start;
+  gap: 5px;
+  min-height: 82px;
+  padding: 11px;
+  border: 1px solid #e5e7eb;
+  border-radius: 8px;
+  background: #fff;
+  color: #20242a;
+  text-align: left;
+}
+
+.coverage-option strong {
+  font-size: 13px;
+  font-weight: 800;
+}
+
+.coverage-option span {
+  color: #858c96;
+  font-size: 10px;
+  line-height: 1.45;
+}
+
+.coverage-option em {
+  color: #7c3aed;
+  font-size: 10px;
+  font-style: normal;
+  font-weight: 800;
+}
+
+.coverage-option.active {
+  border-color: #7c3aed;
+  background: #faf5ff;
+}
+
+.coverage-note {
+  margin: 0;
+  color: #858c96;
+  font-size: 10px;
+  line-height: 1.55;
+}
+
 .publish-agreement-card {
   display: grid;
   gap: 10px;