:root{
    --ink:#171B24;
    --ink-soft:#3D4451;
    --slate:#5B6472;
    --slate-light:#98A0AC;
    --blue:#7B2FF7;
    --blue-dark:#5C1FC2;
    --blue-tint:#EFE4FF;
    --amber:#E2A33D;
    --amber-tint:#FCEFD9;
    --bg-page:#E4E7EF;
    --bg-soft:#EEF2FC;
    --white:#FFFFFF;
    --line:#E7E9F0;
    --success:#2FA968;
    --font:'Pretendard','Noto Sans KR',-apple-system,BlinkMacSystemFont,'Malgun Gothic',sans-serif;
    --container:1160px;
    --shell-max:1320px;
    --r-lg:32px;
    --r-md:20px;
    --r-sm:12px;
  }
  *{margin:0;padding:0;box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{font-family:var(--font);color:var(--ink);background:var(--bg-page);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden;}
  img{max-width:100%;display:block;}
  a{text-decoration:none;color:inherit;}
  ul{list-style:none;}
  button{font-family:inherit;cursor:pointer;border:none;background:none;}
  input,select{font-family:inherit;}
  @media (prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.01ms !important;transition-duration:.01ms !important;}}
  :focus-visible{outline:2px solid var(--blue);outline-offset:2px;}
  .container{max-width:var(--container);margin:0 auto;padding:0 28px;}
  .reveal{opacity:0;transform:translateY(18px);transition:opacity .8s ease,transform .8s ease;}
  .reveal.visible{opacity:1;transform:translateY(0);}

  /* ---------- Shell (카드형 섹션 구분) ---------- */
  .shell{width:calc(100% - 40px);max-width:var(--shell-max);margin:0 auto clamp(28px,4vw,48px);border-radius:var(--r-lg);overflow:hidden;box-shadow:0 4px 24px rgba(23,27,36,0.05);position:relative;}
  .shell#top{margin-top:24px;}
  .shell.bg-white{background:var(--white);}
  .shell.bg-soft{background:var(--bg-soft);}
  .shell#top.bg-soft{background:linear-gradient(rgba(238,242,252,0),rgba(238,242,252,0)),url(../img/main_card_bg.png) center/cover no-repeat;}
  .shell.bg-blue{background:linear-gradient(135deg,var(--blue),#A253FF);}
  .shell.bg-ink{background:var(--ink);}
  .shell-bg-video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0;}
  .shell-bg-overlay{position:absolute;inset:0;background:linear-gradient(180deg,rgba(238,242,252,0.85) 0%,rgba(238,242,252,0.78) 28%,rgba(238,242,252,0.3) 58%,rgba(238,242,252,0.05) 100%);z-index:1;}
  .shell-pad{padding:clamp(44px,6vw,76px) clamp(24px,5vw,56px);position:relative;z-index:2;}
  body > *:first-child:not(.topstrip){margin-top:20px;}
  @media (max-width:760px){
    body > *:first-child{margin-top:0;}
    .shell{width:100%;margin:0;border-radius:0;box-shadow:none;}
    .shell#top{margin-top:0;}
  }

  /* ---------- Image placeholder (플랫, 컬러감 있는 자리) ---------- */
  .img-ph{
    border-radius:var(--r-md);display:flex;flex-direction:column;align-items:center;justify-content:center;
    gap:10px;text-align:center;width:100%;overflow:hidden;position:relative;color:var(--ink-soft);
  }
  .img-ph .ph-icon{font-size:34px;}
  .img-ph .ph-label{font-size:12.5px;font-weight:700;opacity:.65;}
  .img-ph.tint-1{background:linear-gradient(135deg,#DCE8FF,#F1F5FF);}
  .img-ph.tint-2{background:linear-gradient(135deg,#DFF5E9,#F2FBF6);}
  .img-ph.tint-3{background:linear-gradient(135deg,#FFEBD1,#FFF7EA);}
  .img-ph.tint-4{background:linear-gradient(135deg,#EDE3FF,#F7F3FF);}
  .img-ph.tint-5{background:linear-gradient(135deg,#FFE1E6,#FFF3F4);}
  .img-ph.big{min-height:380px;}
  .img-ph.icon-only{gap:0;}
  .img-ph.icon-only .ph-icon{font-size:22px;}

  /* ---------- Top strip ---------- */
  /* 대부업법 광고 기준: 표시사항은 최대 글자(히어로 44px)의 1/3 이상(15px) */
  .topstrip{background:#171B24;color:#C9CDD4;}
  .topstrip-inner{max-width:var(--shell-max);margin:0 auto;padding:10px 28px;display:flex;justify-content:space-between;align-items:center;gap:4px 24px;flex-wrap:wrap;font-size:15px;line-height:1.5;}
  .topstrip a.ts-tel{color:#fff;font-weight:800;}
  @media (max-width:900px){.topstrip-inner{padding:8px 20px;}}

  /* ---------- Header ---------- */
  header{position:sticky;top:0;z-index:500;background:rgba(241,243,248,0.85);backdrop-filter:blur(10px);}
  .nav-bar{max-width:var(--shell-max);margin:0 auto;padding:14px 28px;display:flex;align-items:center;justify-content:space-between;gap:20px;}
  .wordmark{display:flex;align-items:baseline;gap:2px;font-size:20px;font-weight:800;letter-spacing:-0.02em;}
  .wordmark .b{color:var(--blue);}
  .wordmark .tag{font-size:11px;font-weight:600;color:var(--slate-light);margin-left:8px;letter-spacing:0;}
  .wordmark{flex-shrink:0;}
  .wordmark .logo-img{display:block;width:131px;height:30px;max-width:none;}
  .nav-menu{display:flex;align-items:center;gap:28px;}
  .nav-menu-item{color:var(--ink-soft);font-weight:600;font-size:14.5px;}
  .nav-menu-item:hover{color:var(--blue);}
  .nav-cta{background:var(--blue);color:#fff;padding:12px 22px;border-radius:999px;font-weight:700;font-size:14px;transition:background .2s ease;}
  .nav-cta:hover{background:var(--blue-dark);color:#fff;}
  .nav-util{display:flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:50%;font-size:15px;color:var(--slate);opacity:.8;cursor:default;}
  .hamburger-btn{display:none;background:none;border:none;font-size:22px;color:var(--ink);padding:4px;}
  .drawer-scrim{position:fixed;inset:0;z-index:600;display:none;background:rgba(20,23,28,0.4);}
  .drawer-scrim.open{display:block;}
  .mobile-drawer{position:fixed;top:0;right:-280px;bottom:0;width:260px;background:#fff;z-index:700;transition:right .25s ease;box-shadow:-8px 0 24px rgba(0,0,0,0.12);}
  .mobile-drawer.open{right:0;}
  .mobile-drawer-head{display:flex;justify-content:flex-end;padding:16px;}
  .mobile-drawer a{display:block;padding:16px 24px;color:var(--ink);font-size:15.5px;font-weight:600;border-top:1px solid var(--line);}
  .mobile-drawer a.cta{background:var(--blue);color:#fff;text-align:center;margin:16px 24px;border-radius:999px;border-top:none;}
  @media (max-width:900px){.nav-menu{display:none;}.hamburger-btn{display:block;}}

  /* ---------- Hero ---------- */
  .hero-copy{max-width:680px;margin:0 auto;text-align:center;}
  .hero-eyebrow{display:inline-block;font-size:13px;font-weight:700;color:var(--blue-dark);background:var(--blue-tint);padding:7px 16px;border-radius:999px;margin-bottom:22px;}
  .hero-title{font-size:clamp(28px,4vw,44px);font-weight:800;line-height:1.35;letter-spacing:-0.02em;margin-bottom:18px;}
  .hero-desc{font-size:16px;color:var(--slate);line-height:1.75;margin-bottom:32px;}
  .hero-actions{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;}
  .btn-primary{background:var(--blue);color:#fff;padding:16px 28px;border-radius:999px;font-weight:700;font-size:15px;transition:background .2s ease;}
  .btn-primary:hover{background:var(--blue-dark);}
  .btn-ghost{background:#fff;color:var(--ink);padding:16px 28px;border-radius:999px;font-weight:700;font-size:15px;transition:background .2s ease;}
  .btn-ghost:hover{background:var(--blue-tint);}

  .hero-grid{display:grid;grid-template-columns:1.5fr 1fr;gap:20px;max-width:1000px;margin:48px auto 0;align-items:stretch;}
  .hero-feature-card{position:relative;background:linear-gradient(135deg,var(--blue),#A253FF);border-radius:28px;padding:34px 32px;color:#fff;overflow:hidden;display:flex;flex-direction:column;min-height:280px;}
  .hero-feature-eyebrow{font-size:12.5px;font-weight:700;color:#DCC2FF;margin-bottom:10px;position:relative;z-index:1;}
  .hero-feature-title{font-size:22px;font-weight:800;line-height:1.4;margin-bottom:18px;position:relative;z-index:1;}
  .hero-feature-info{display:flex;flex-direction:column;gap:6px;margin-bottom:22px;position:relative;z-index:1;}
  .hfi-row{display:flex;gap:10px;font-size:13px;}
  .hfi-row .k{width:36px;flex-shrink:0;color:#D7BFFF;font-weight:700;}
  .hfi-row .v{font-weight:700;}
  .hero-feature-btn{align-self:flex-start;background:#fff;color:var(--blue-dark);padding:11px 20px;border-radius:999px;font-weight:800;font-size:13.5px;position:relative;z-index:1;margin-top:auto;}
  .hero-feature-visual{
    position:absolute;
    right:-26px;
    bottom:-26px;
    width:60%;
    height:100%;
    border-radius:26px;
    /* background:rgba(255,255,255,0.12); */
  }

  .hero-feature-visual .ph-icon{opacity:.65;color:#fff;}
  .hfs-slide{display:none;flex-direction:column;flex:1;animation:hfsFade .5s ease;}
  .hfs-slide.active{display:flex;}
  @keyframes hfsFade{from{opacity:0;transform:translateY(6px);}to{opacity:1;transform:translateY(0);}}
  .hero-feature-pager{position:relative;z-index:2;display:flex;align-items:center;gap:10px;margin-top:16px;color:rgba(255,255,255,0.85);font-size:12px;font-weight:600;}
  .hfp-arrow{width:24px;height:24px;border-radius:50%;background:rgba(255,255,255,0.16);color:#fff;font-size:14px;display:flex;align-items:center;justify-content:center;transition:background .2s ease;}
  .hfp-arrow:hover{background:rgba(255,255,255,0.32);}
  .hfp-count{letter-spacing:.02em;}

  .hero-side-cards{display:flex;flex-direction:column;gap:20px;}
  .hero-side-card{background:#fff;border-radius:24px;padding:24px;box-shadow:0 10px 26px rgba(23,27,36,0.06);flex:1;display:flex;flex-direction:column;justify-content:space-between;gap:14px;}
  .hsc-label{font-weight:800;font-size:15px;}
  .hsc-desc{font-size:12.5px;color:var(--slate);line-height:1.6;}
  .hsc-arrow{width:34px;height:34px;border-radius:50%;background:var(--blue-tint);color:var(--blue-dark);display:flex;align-items:center;justify-content:center;font-size:16px;align-self:flex-start;transition:background .2s ease;}
  .hsc-arrow:hover{background:var(--blue);color:#fff;}
  .hsc-btn-row{display:flex;gap:8px;}
  .hsc-mini-btn{flex:1;text-align:center;background:var(--bg-page);padding:9px;border-radius:10px;font-size:12.5px;font-weight:700;color:var(--ink-soft);transition:background .2s ease,color .2s ease;}
  .hsc-mini-btn:hover{background:var(--blue-tint);color:var(--blue-dark);}
  .hero-caption{text-align:center;
    font-size:12px;
    /* color:var(--slate-light); */
    color: var(--white);
    margin-top:24px;
  }

  .hero-caption-top{max-width:640px;margin:0 auto;}

  /* ---------- Sub-page helpers ---------- */
  .breadcrumb{text-align:center;font-size:12.5px;color:var(--slate-light);margin-bottom:16px;}
  .breadcrumb a{color:var(--slate);font-weight:600;}
  .breadcrumb a:hover{color:var(--blue);}
  .calc-panel{background:var(--white);border-radius:var(--r-md);padding:28px;box-shadow:0 10px 28px rgba(23,27,36,0.06);max-width:440px;margin:0 auto;}
  @media (max-width:760px){
    .hero-grid{grid-template-columns:1fr;gap:14px;max-width:100%;}
    .hero-feature-visual{display:none;}
  }

  /* ---------- Section head ---------- */
  .sec-head{margin-bottom:36px;max-width:640px;}
  .sec-head.center{margin-left:auto;margin-right:auto;text-align:center;}
  .sec-eyebrow{font-size:13px;font-weight:700;color:var(--blue-dark);margin-bottom:12px;}
  .sec-title{font-size:clamp(22px,2.4vw,30px);font-weight:800;letter-spacing:-0.01em;margin-bottom:12px;}
  .sec-sub{color:var(--slate);font-size:14.5px;line-height:1.7;}

  /* ---------- Product tabs (조견표) ---------- */
  .prod-tabs{display:flex;gap:8px;flex-wrap:wrap;justify-content:center;margin-bottom:36px;}
  .prod-tab{padding:11px 18px;border-radius:999px;font-size:13.5px;font-weight:700;background:var(--bg-page);color:var(--ink-soft);transition:background .2s ease,color .2s ease;white-space:nowrap;}
  .prod-tab.active{background:var(--blue);color:#fff;}
  .prod-tab:hover:not(.active){background:var(--blue-tint);}
  .prod-panel{position:relative;}
  .prod-detail{display:none;grid-template-columns:1.2fr 1fr;gap:56px;align-items:center;animation:hfsFade .4s ease;}
  .prod-detail.active{display:grid;}
  .prod-detail-title{font-size:clamp(19px,2.1vw,24px);font-weight:800;line-height:1.4;margin-bottom:14px;}
  .prod-detail-desc{color:var(--slate);font-size:14.5px;line-height:1.75;margin-bottom:22px;}
  .prod-info-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:24px;}
  .prod-info-cell{background:var(--bg-page);border-radius:12px;padding:13px 16px;}
  .prod-info-cell .k{font-size:11.5px;color:var(--slate-light);font-weight:700;display:block;margin-bottom:4px;}
  .prod-info-cell .v{font-size:13.5px;font-weight:800;display:block;line-height:1.4;}
  .prod-detail-visual .img-ph{min-height:300px;}
  .img-ph.has-img{padding:0;}
  .img-ph.has-img img{width:100%;height:100%;object-fit:cover;}
  @media (max-width:820px){
    .prod-tabs{justify-content:center;}
    .prod-detail{grid-template-columns:1fr;gap:22px;}
    .prod-detail-text{text-align:center;}
    .prod-info-grid{text-align:left;}
    .prod-detail-visual .img-ph{height:260px;min-height:0;}
  }

  /* ---------- Feature rows (alternating text / image, 큼직하게) ---------- */
  .feature-row{display:grid;grid-template-columns:1fr 1fr;gap:84px;align-items:center;padding:52px 0;}
  .feature-row + .feature-row{margin-top:28px;border-top:1px solid var(--line);}
  .feature-row.rev .feature-text{order:2;}
  .feature-row.rev .feature-visual{order:1;}
  .feature-eyebrow{font-size:12.5px;font-weight:700;color:var(--blue-dark);margin-bottom:14px;}
  .feature-title{font-size:clamp(22px,2.4vw,30px);font-weight:800;line-height:1.4;letter-spacing:-0.01em;margin-bottom:16px;}
  .feature-desc{color:var(--slate);font-size:15px;line-height:1.75;margin-bottom:22px;max-width:420px;}
  .feature-chips{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:22px;}
  .feature-chip{font-size:12.5px;font-weight:700;background:var(--amber-tint);color:var(--amber);color:#9C6B1F;padding:7px 14px;border-radius:999px;}
  .feature-link{display:inline-flex;align-items:center;gap:6px;background:var(--blue);color:#fff;font-size:14.5px;font-weight:700;padding:13px 22px;border-radius:999px;transition:background .2s ease;}
  .feature-link:hover{background:var(--blue-dark);}
  .feature-visual .img-ph{min-height:360px;}
  @media (max-width:820px){
    .feature-row{grid-template-columns:1fr;gap:24px;}
    .feature-row.rev .feature-text{order:1;}
    .feature-row.rev .feature-visual{order:2;}
    .feature-desc{max-width:100%;}
    .feature-text{text-align:center;}
    .feature-desc{margin-left:auto;margin-right:auto;}
    .feature-chips{justify-content:center;}
  }

  /* ---------- Notice ticker ---------- */
  .notice-bar{max-width:640px;margin:28px auto;background:#fff;border-radius:999px;padding:11px 22px;display:flex;align-items:center;gap:14px;box-shadow:0 6px 18px rgba(23,27,36,0.06);}
  .notice-tag{flex-shrink:0;color:var(--blue);font-size:11.5px;font-weight:800;letter-spacing:.02em;}
  .notice-text-wrap{flex:1;overflow:hidden;height:18px;position:relative;}
  .notice-text{position:absolute;inset:0;font-size:13px;font-weight:600;color:var(--ink-soft);opacity:0;transform:translateY(6px);transition:opacity .4s ease,transform .4s ease;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;}
  .notice-text.show{opacity:1;transform:translateY(0);}
  .notice-date{flex-shrink:0;font-size:12px;color:var(--slate-light);}
  @media (max-width:760px){.notice-bar{max-width:100%;padding:10px 16px;}.notice-date{display:none;}}

  /* ---------- Strengths (좌 소개 + 우 카드 리스트) ---------- */
  .strength-split{display:grid;grid-template-columns:0.85fr 1.15fr;gap:56px;align-items:start;}
  .strength-intro .sec-title{margin-bottom:14px;}
  .strength-list{display:flex;flex-direction:column;gap:12px;}
  .strength-row{display:flex;gap:18px;background:var(--white);border-radius:var(--r-md);padding:20px 22px;box-shadow:0 8px 22px rgba(23,27,36,0.05);}
  .strength-row-num{font-size:15px;font-weight:800;color:var(--blue);flex-shrink:0;width:26px;}
  .strength-title{font-weight:800;font-size:15.5px;margin-bottom:6px;}
  .strength-desc{font-size:13.5px;color:var(--slate);line-height:1.7;}
  @media (max-width:820px){
    .strength-split{grid-template-columns:1fr;gap:24px;}
    .strength-intro{text-align:center;}
  }

  /* ---------- Promo banner (가로배너) ---------- */
  .promo-flex{display:flex;align-items:center;justify-content:space-between;gap:40px;}
  .promo-eyebrow{display:inline-block;font-size:12.5px;font-weight:700;color:#fff;background:rgba(255,255,255,0.18);padding:6px 14px;border-radius:999px;margin-bottom:16px;}
  .promo-title{color:#fff;font-size:clamp(20px,2.4vw,27px);font-weight:800;line-height:1.4;margin-bottom:14px;}
  .promo-desc{color:rgba(255,255,255,0.82);font-size:14px;line-height:1.7;margin-bottom:22px;max-width:400px;}
  .promo-btn{display:inline-block;background:#fff;color:var(--blue-dark);padding:14px 26px;border-radius:999px;font-weight:800;font-size:14.5px;}
  .promo-visual{
    width: 40%;
    max-width: 500px;
    min-width: 200px;
  }

  .promo-visual .img-ph
  {
    aspect-ratio:4/3;
    /* background:rgba(255,255,255,0.14); */

  }
  .promo-visual .img-ph.has-img img{object-fit:contain;}

  .promo-visual .img-ph .ph-label,.promo-visual .img-ph .ph-icon{color:#fff;opacity:.85;}
  @media (max-width:760px){.promo-flex{flex-direction:column;text-align:center;}.promo-desc{margin-left:auto;margin-right:auto;}.promo-visual{width:100%;max-width:320px;}}

  /* ---------- Situations ---------- */
  .situation-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;}
  .situation-cell{border-radius:var(--r-md);padding:26px 24px;background:var(--white);}
  .situation-num{font-size:12.5px;font-weight:700;color:var(--blue-dark);margin-bottom:10px;}
  .situation-text{font-size:15px;font-weight:700;line-height:1.5;}
  @media (max-width:900px){.situation-grid{grid-template-columns:repeat(2,1fr);}}
  @media (max-width:560px){.situation-grid{grid-template-columns:1fr;}}

  /* ---------- Process ---------- */
  .process-row{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;position:relative;}
  .process-item{background:var(--white);border-radius:var(--r-md);padding:26px 22px;box-shadow:0 10px 28px rgba(23,27,36,0.06);text-align:center;}
  .process-icon{width:80px;height:80px;border-radius:16px;margin:0 auto 20px;min-height:0;}
  .process-icon .ph-icon{font-size:26px;}
  .process-icon.has-img{padding:16px;}
  .process-icon.has-img img{width:100%;height:100%;object-fit:contain;}
  .process-num-tag{font-size:12px;font-weight:800;color:var(--blue-dark);margin-bottom:8px;}
  .process-title{font-weight:800;font-size:16px;margin-bottom:6px;}
  .process-desc{font-size:13.5px;color:var(--slate);line-height:1.7;}
  @media (max-width:820px){.process-row{grid-template-columns:1fr;}}

  /* ---------- Compare strip ---------- */
  .compare-track{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;}
  @media (max-width:560px){
    .compare-track{grid-template-columns:1fr;}
  }
  .compare-card{border-radius:var(--r-md);padding:22px;background:var(--white);box-shadow:0 10px 28px rgba(23,27,36,0.06);display:flex;flex-direction:column;min-width:0;}
  .compare-name{font-weight:800;font-size:14.5px;margin-bottom:14px;}
  .compare-row{display:flex;justify-content:space-between;gap:10px;font-size:12.5px;padding:7px 0;border-top:1px solid var(--line);}
  .compare-row:first-of-type{border-top:none;}
  .compare-row .k{color:var(--slate-light);flex-shrink:0;}
  .compare-row .v{font-weight:700;text-align:right;}
  .compare-link{margin-top:14px;font-size:12.5px;font-weight:700;color:var(--blue);}

  /* ---------- Cases ---------- */
  .case-scroller{overflow:hidden;margin:0 -8px;padding:4px 8px 8px;-webkit-mask-image:linear-gradient(90deg,transparent,#000 3%,#000 97%,transparent);mask-image:linear-gradient(90deg,transparent,#000 3%,#000 97%,transparent);}
  .case-track{display:flex;gap:16px;width:max-content;animation:caseScroll 46s linear infinite;}
  .case-track:hover{animation-play-state:paused;}
  @keyframes caseScroll{from{transform:translateX(0);}to{transform:translateX(-50%);}}
  .case-card{width:240px;flex-shrink:0;border-radius:var(--r-md);background:var(--white);overflow:hidden;box-shadow:0 10px 28px rgba(23,27,36,0.08);border:2px solid transparent;position:relative;}
  .case-card.featured{border-color:var(--blue);}
  .case-card .img-ph{aspect-ratio:16/11;border-radius:0;position:relative;}
  .case-featured-tag{position:absolute;top:12px;right:12px;z-index:2;background:#fff;color:var(--blue-dark);font-size:10.5px;font-weight:800;padding:5px 11px;border-radius:999px;box-shadow:0 4px 10px rgba(23,27,36,0.12);}
  .case-body{padding:18px 20px 20px;}
  .case-tag{display:inline-block;font-size:11px;font-weight:700;color:var(--blue-dark);margin-bottom:8px;}
  .case-title{font-weight:800;font-size:14.5px;margin-bottom:6px;}
  .case-result{font-size:12.5px;color:var(--slate);}

  /* ---------- FAQ ---------- */
  .faq-grid{display:grid;grid-template-columns:0.8fr 1.2fr;gap:56px;}
  .faq-side-title{font-size:clamp(22px,2.4vw,28px);font-weight:800;margin-bottom:12px;}
  .faq-side-desc{color:var(--slate);font-size:14px;line-height:1.7;margin-bottom:24px;}
  .faq-side-btn{display:inline-block;background:var(--blue);color:#fff;padding:14px 26px;border-radius:999px;font-weight:700;font-size:14px;}
  .faq-list{}
  .faq-item{background:var(--white);border-radius:var(--r-md);margin-bottom:10px;overflow:hidden;}
  .faq-q{width:100%;padding:20px 22px;display:flex;justify-content:space-between;align-items:center;gap:16px;text-align:left;font-size:15px;font-weight:700;cursor:pointer;}
  .faq-mark{font-size:19px;color:var(--slate-light);flex-shrink:0;transition:transform .3s ease;font-weight:300;}
  .faq-item.open .faq-mark{transform:rotate(45deg);color:var(--blue);}
  .faq-a{display:grid;grid-template-rows:0fr;transition:grid-template-rows .32s ease;}
  .faq-item.open .faq-a{grid-template-rows:1fr;}
  .faq-a-inner{overflow:hidden;min-height:0;padding:0 22px 0;color:var(--slate);font-size:14px;line-height:1.75;transition:padding .32s ease;}
  .faq-item.open .faq-a-inner{padding:0 22px 22px;}
  @media (max-width:820px){.faq-grid{grid-template-columns:1fr;gap:28px;}}

  /* ---------- Resources ---------- */
  .resource-row{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;}
  .resource-item{display:flex;align-items:center;gap:14px;border-radius:var(--r-md);padding:20px 22px;background:var(--white);box-shadow:0 8px 22px rgba(23,27,36,0.05);transition:transform .2s ease,box-shadow .2s ease;}
  .resource-item:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(23,27,36,0.09);}
  .resource-icon{width:44px;height:44px;flex-shrink:0;border-radius:12px;background:var(--blue-tint);display:flex;align-items:center;justify-content:center;font-size:19px;}
  .resource-label{font-weight:700;font-size:14px;}
  .resource-sub{font-size:12px;color:var(--slate-light);margin-top:2px;}
  @media (max-width:820px){.resource-row{grid-template-columns:1fr;}}

  /* ---------- Insights ---------- */
  .insight-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;}
  .insight-card{background:var(--white);border-radius:var(--r-md);overflow:hidden;transition:transform .2s ease;}
  .insight-card:hover{transform:translateY(-4px);}
  .insight-card .img-ph{aspect-ratio:4/3;border-radius:0;}
  .insight-body{padding:16px 18px 18px;}
  .insight-title{font-weight:700;font-size:14px;line-height:1.5;margin-bottom:6px;}
  .insight-date{font-size:12px;color:var(--slate-light);}
  @media (max-width:900px){.insight-grid{grid-template-columns:repeat(2,1fr);}}

  /* ---------- Final CTA ---------- */
  .final-cta-title{color:#fff;font-size:clamp(22px,2.6vw,28px);font-weight:800;margin-bottom:24px;text-align:center;}
  .final-cta-wrap{text-align:center;}
  .final-cta-wrap .apply-btn{background:#fff;color:var(--blue-dark);padding:16px 30px;border-radius:999px;font-weight:800;font-size:15px;display:inline-block;transition:opacity .2s ease;}
  .final-cta-wrap .apply-btn:hover{opacity:.9;}
  .final-cta-note{color:rgba(255,255,255,0.75);font-size:12.5px;margin-top:16px;}

  /* ---------- Footer ---------- */
  footer{color:#9AA1AB;padding:48px 0 0;font-size:12.5px;line-height:1.85;}
  .footer-top{display:flex;justify-content:space-between;align-items:flex-start;flex-wrap:wrap;gap:20px;margin-bottom:32px;padding-bottom:32px;border-bottom:1px solid rgba(255,255,255,0.08);}
  .footer-word{color:#fff;font-size:19px;font-weight:800;margin-bottom:8px;}
  .footer-word .b{color:#B98BFF;}
  .footer-logo-img{display:block;width:131px;height:30px;max-width:none;filter:brightness(0) invert(1);}
  .footer-tel-label{color:#7F8794;}
  .footer-tel{color:#fff;font-size:22px;font-weight:800;}
  .footer-tel a{color:#fff;}
  .footer-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:16px;margin-bottom:28px;padding-bottom:28px;border-bottom:1px solid rgba(255,255,255,0.08);}
  .footer-grid .lbl{color:#7F8794;display:block;margin-bottom:4px;}
  .footer-grid .val{color:#D6D9DD;font-weight:700;}
  .footer-block{margin-bottom:16px;color:#AEB4BE;font-size:15px;}
  .footer-block b{color:#B8BEC7;}
  .footer-links a{color:#C79BFF;}
  .footer-bottom{border-top:1px solid rgba(255,255,255,0.08);padding:20px 0;color:#AEB4BE;font-size:15px;}
  .footer-copy{text-align:center;padding:20px 0;color:#565D67;}
  .placeholder-flag{color:#F0A868;}
  @media (max-width:820px){.footer-grid{grid-template-columns:repeat(3,1fr);}}
  @media (max-width:560px){.footer-grid{grid-template-columns:repeat(2,1fr);}}

  /* ---------- Mobile bottom nav ---------- */
  .mobile-bottom-nav{display:none;position:fixed;left:0;right:0;bottom:0;z-index:590;background:#fff;padding:10px 14px;gap:10px;align-items:center;box-shadow:0 -6px 18px rgba(0,0,0,0.08);}
  .mbn-btn{display:flex;align-items:center;justify-content:center;gap:6px;height:48px;border-radius:999px;font-weight:700;font-size:14px;}
  .mbn-icon{flex:0 0 48px;width:48px;font-size:18px;background:var(--blue-tint);color:var(--blue-dark);}
  .mbn-wide{flex:1;background:var(--blue);color:#fff;font-weight:800;}
  @media (max-width:900px){.mobile-bottom-nav{display:flex;}body{padding-bottom:76px;}}

  /* ---------- Section progress nav (좌측 섹션 인디케이터) ---------- */
  .section-nav{display:none;position:fixed;left:24px;top:50%;transform:translateY(-50%);z-index:1;flex-direction:column;align-items:center;gap:8px;}
  .section-nav::before{content:'';position:absolute;left:50%;top:0;bottom:0;width:2px;background:var(--line);transform:translateX(-50%);z-index:-1;}
  .section-nav-item{width:26px;height:26px;flex-shrink:0;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:10.5px;font-weight:700;color:var(--slate-light);background:var(--white);border:1px solid var(--line);transition:background .2s ease,color .2s ease,border-color .2s ease,transform .2s ease;}
  .section-nav-item:hover{color:var(--blue);border-color:var(--blue);}
  .section-nav-item.active{background:var(--blue);color:#fff;border-color:var(--blue);transform:scale(1.15);}
  @media (min-width:1440px){.section-nav{display:flex;}}
  @media (max-width:900px){
    .section-nav{display:flex;left:4px;gap:5px;}
    .section-nav-item{width:18px;height:18px;font-size:8px;border-width:1px;}
  }
  /* 좌측 섹션 인디케이터 비활성화 — 다시 켜려면 아래 한 줄 삭제 */
  .section-nav{display:none !important;}

  /* ---------- Quick apply panel ---------- */
  .qa-scrim{position:fixed;inset:0;z-index:800;background:rgba(20,23,28,0.5);display:none;opacity:0;transition:opacity .25s ease;}
  .qa-scrim.show{display:block;opacity:1;}
  .qa-panel{position:fixed;left:50%;top:50%;transform:translate(-50%,-46%);width:min(440px,92vw);background:#fff;border-radius:24px;z-index:900;padding:32px 28px;opacity:0;visibility:hidden;transition:opacity .25s ease,transform .25s ease,visibility .25s ease;box-shadow:0 24px 60px rgba(0,0,0,0.25);}
  .qa-panel.show{opacity:1;visibility:visible;transform:translate(-50%,-50%);}
  .qa-close{position:absolute;top:18px;right:18px;width:30px;height:30px;border-radius:50%;background:var(--bg-page);display:flex;align-items:center;justify-content:center;font-size:14px;color:var(--slate);}
  .qa-title{font-size:19px;font-weight:800;margin-bottom:4px;}
  .qa-sub{font-size:13px;color:var(--slate);margin-bottom:24px;}
  .qa-form{display:flex;flex-direction:column;gap:11px;}
  .qa-field{width:100%;padding:14px 16px;border:1.5px solid var(--line);border-radius:14px;font-size:14.5px;background:var(--bg-page);}
  .qa-field:focus{border-color:var(--blue);background:#fff;}
  .qa-phone-group{display:flex;align-items:center;gap:6px;}
  .qa-phone-group .qa-field{flex:1;min-width:0;text-align:center;}
  .qa-agree{display:flex;align-items:flex-start;gap:8px;font-size:12.5px;color:var(--slate);margin-top:2px;line-height:1.5;}
  .qa-agree a{text-decoration:underline;font-weight:600;color:var(--ink-soft);}
  .qa-submit{background:var(--blue);color:#fff;padding:15px;border-radius:14px;font-weight:800;font-size:15px;margin-top:6px;}
  .qa-submit:hover{background:var(--blue-dark);}
  .qa-submit:disabled{opacity:.6;}
  .qa-success{display:none;text-align:center;padding:12px 0;font-weight:700;color:var(--success);}

  /* ---------- Privacy modal ---------- */
  .modal-overlay{position:fixed;inset:0;background:rgba(20,23,28,0.55);display:flex;align-items:center;justify-content:center;z-index:2000;opacity:0;visibility:hidden;transition:opacity .2s ease,visibility .2s ease;padding:20px;}
  .modal-overlay.open{opacity:1;visibility:visible;}
  .modal-box{background:#fff;border-radius:20px;max-width:600px;width:100%;max-height:80vh;display:flex;flex-direction:column;}
  .modal-header{display:flex;justify-content:space-between;align-items:center;padding:20px 24px;border-bottom:1px solid var(--line);}
  .modal-title{font-size:16px;font-weight:800;}
  .modal-x{font-size:16px;color:var(--slate);}
  .modal-body{padding:24px;overflow-y:auto;font-size:13px;color:var(--slate);line-height:1.75;}
  .modal-body h4{font-size:13.5px;color:var(--ink);margin-bottom:6px;}
  .modal-body section{margin-bottom:16px;}
  .modal-confirm{margin:0 24px 24px;background:var(--blue);color:#fff;font-weight:700;padding:14px;border-radius:14px;}
  .modal-body b{color:var(--ink);}

  /* ---------- Loan calculator ---------- */
  .calc-form{display:flex;flex-direction:column;gap:6px;margin-bottom:20px;}
  .calc-label{font-size:12.5px;font-weight:700;color:var(--ink-soft);margin-top:10px;}
  .calc-label:first-child{margin-top:0;}
  .calc-result{background:var(--bg-page);border-radius:14px;padding:16px 18px;margin-bottom:14px;}
  .calc-row{display:flex;justify-content:space-between;padding:9px 0;border-top:1px solid var(--line);font-size:13.5px;}
  .calc-row:first-child{border-top:none;}
  .calc-row .k{color:var(--slate);}
  .calc-row .v{font-weight:800;color:var(--blue-dark);}
  .calc-hint{color:var(--slate-light);font-size:13px;padding:8px 0;}
  .calc-disclaimer{font-size:11.5px;color:var(--slate-light);}