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/SellerListingCreateView.css

@@ -1012,6 +1012,108 @@
   background-color: var(--color-orange-dark);
 }
 
+.premium-coverage-panel {
+  display: grid;
+  gap: 14px;
+  margin-top: 18px;
+  padding: 18px;
+  border: 1px solid #e5e7eb;
+  border-radius: 10px;
+  background: #f8fafc;
+}
+
+.premium-zone-row,
+.coverage-heading {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 16px;
+}
+
+.premium-zone-row > div,
+.coverage-heading {
+  min-width: 0;
+}
+
+.premium-zone-row strong,
+.coverage-heading strong {
+  display: block;
+  color: #1f2937;
+  font-size: 15px;
+  font-weight: 900;
+}
+
+.premium-zone-row span,
+.coverage-heading span {
+  color: #7b8492;
+  font-size: 12px;
+  font-weight: 600;
+  line-height: 1.5;
+}
+
+.quality-owner-link {
+  justify-self: start;
+  padding: 0;
+  border: none;
+  background: transparent;
+  color: #7c3aed;
+  font-size: 12px;
+  font-weight: 800;
+  cursor: pointer;
+}
+
+.coverage-option-grid {
+  display: grid;
+  grid-template-columns: repeat(2, minmax(0, 1fr));
+  gap: 12px;
+}
+
+.coverage-option {
+  display: grid;
+  gap: 6px;
+  min-height: 92px;
+  padding: 16px 18px;
+  border: 1px solid #e5e7eb;
+  border-radius: 9px;
+  background: #fff;
+  color: #1f2937;
+  text-align: left;
+  cursor: pointer;
+}
+
+.coverage-option strong {
+  font-size: 16px;
+  font-weight: 900;
+}
+
+.coverage-option span {
+  color: #6b7280;
+  font-size: 12px;
+  font-weight: 600;
+  line-height: 1.5;
+}
+
+.coverage-option em {
+  color: #7c3aed;
+  font-size: 11px;
+  font-style: normal;
+  font-weight: 800;
+}
+
+.coverage-option.active {
+  border-color: #7c3aed;
+  background: #faf5ff;
+  box-shadow: 0 0 0 1px rgba(124, 58, 237, 0.08);
+}
+
+.coverage-note {
+  margin: 0;
+  color: #7b8492;
+  font-size: 12px;
+  font-weight: 600;
+  line-height: 1.7;
+}
+
 @media (max-width: 1120px) {
   .publish-layout {
     grid-template-columns: 1fr;
@@ -1094,4 +1196,8 @@
   .region-grid {
     grid-template-columns: repeat(4, minmax(0, 1fr));
   }
+
+  .coverage-option-grid {
+    grid-template-columns: 1fr;
+  }
 }