@charset "utf-8";
/* ============================================================
   종합보험 비교 (totalplan.co.kr) — REDESIGN
   컨셉 : "ONE PLAN — 흩어진 보험을 한 장으로 비교"
   · 프리미엄 비교 엔진 무드 — 중앙 정렬 히어로 + 가로형 견적 바(중앙)
   · 폼은 우측 사이드가 아니라 히어로 아래 중앙에 가로 배치
   · 딥 네이비 + 코발트 + 샴페인 골드 + 클린 화이트
   · VS 분할 / 한 장 비교 매트릭스 / 모듈 타일
   ============================================================ */
:root{
  --ink:#14172a;          /* 딥 네이비 잉크 */
  --ink2:#222742;
  --blue:#3a52e6;         /* 코발트 (메인 액센트) */
  --blue-d:#2a3fcb;
  --blue-dd:#1e2da0;
  --blue-soft:#eaedff;
  --blue-soft2:#ccd4ff;
  --gold:#c9a84c;         /* 샴페인 골드 */
  --gold-d:#a8862f;
  --gold-soft:#f5edd6;
  --gold-soft2:#ecdcae;
  --soft:#6a6f86;
  --bg:#f4f5fb;           /* 클린 오프화이트 */
  --bg2:#ebedf7;
  --paper:#ffffff;
  --line:#e6e8f3;
  --line2:#d7daea;
  --r:18px;
  --shadow:0 12px 30px rgba(20,23,42,.07);
  --shadow-lg:0 30px 64px rgba(20,23,42,.16);
  --shadow-blue:0 18px 40px rgba(58,82,230,.26);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Pretendard',system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.72;-webkit-font-smoothing:antialiased;overflow-x:clip}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
button{font-family:inherit;color:inherit}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
.mono{font-variant-numeric:tabular-nums;letter-spacing:.4px}

/* ===== Header ===== */
header{position:sticky;top:0;z-index:60;background:rgba(244,245,251,.9);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:70px}
.brand{display:flex;align-items:center;gap:10px}
.brand .mark{width:34px;height:34px;display:grid;place-items:center}
.brand .mark svg{width:34px;height:34px;filter:drop-shadow(0 4px 9px rgba(58,82,230,.3))}
.brand h1{font-size:21px;font-weight:800;letter-spacing:-.7px;line-height:1;margin:0;color:var(--ink)}
nav ul{display:flex;gap:2px;list-style:none}
nav a{font-weight:600;font-size:14.5px;color:var(--ink);padding:9px 15px;border-radius:9px;transition:background .15s,color .15s}
nav a:hover{background:var(--blue-soft);color:var(--blue-d)}
nav a.active{color:var(--blue-d);font-weight:700;background:var(--blue-soft)}
.hbtn{background:var(--ink);color:#fff;border-radius:999px;padding:11px 22px;font-weight:700;font-size:14px;display:inline-flex;align-items:center;gap:6px;transition:transform .15s,background .15s;letter-spacing:-.2px}
.hbtn:hover{transform:translateY(-2px);background:var(--blue)}
.burger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:6px;background:none;border:0}
.burger span{width:24px;height:2.5px;background:var(--ink);border-radius:2px}

/* ===== Mobile menu ===== */
.mmenu{display:none;position:fixed;inset:0;z-index:80;background:rgba(20,23,42,.55)}
.mmenu.open{display:block}
.mpanel{position:absolute;right:0;top:0;height:100%;width:78%;max-width:320px;background:var(--paper);padding:26px 24px;overflow-y:auto;box-shadow:-12px 0 32px rgba(20,23,42,.25)}
.mpanel .x{background:var(--blue-soft);border:0;width:38px;height:38px;border-radius:50%;font-size:20px;font-weight:800;cursor:pointer;display:block;margin-left:auto;color:var(--blue-d)}
.mpanel ul{list-style:none;margin-top:18px}
.mpanel li{border-bottom:1px solid var(--line)}
.mlink{display:block;padding:14px 6px;font-weight:700;font-size:16px;color:var(--ink)}
.mlink:hover{color:var(--blue-d)}
.mlink.hl{background:var(--blue);color:#fff;text-align:center;border-radius:999px;margin-top:18px;border-bottom:0;box-shadow:var(--shadow-blue)}

/* ===== 공통 라벨 ===== */
.eyebrow{display:inline-flex;align-items:center;gap:9px;font-weight:800;font-size:12px;letter-spacing:2.5px;color:var(--blue-d);text-transform:uppercase}
.eyebrow::before{content:"";width:22px;height:2px;background:var(--gold)}
.center .eyebrow::before{display:none}
.center .eyebrow{background:var(--blue-soft);padding:7px 16px;border-radius:999px;letter-spacing:2px}

/* ===== HERO (중앙 정렬) ===== */
.hero{position:relative;overflow:clip;background:
   radial-gradient(1100px 460px at 50% -120px,rgba(58,82,230,.14),transparent 60%),
   linear-gradient(180deg,#fff 0%,var(--bg) 100%);
   padding:64px 0 0;text-align:center}
.hero::before{content:"";position:absolute;left:50%;top:-40px;transform:translateX(-50%);width:760px;height:340px;border-radius:50%;background:radial-gradient(circle,rgba(201,168,76,.10),transparent 68%);z-index:0}
.hero-inner{position:relative;z-index:2;max-width:880px;margin:0 auto}
.hero .kicker{display:inline-flex;align-items:center;gap:8px;background:var(--paper);color:var(--blue-d);border:1px solid var(--blue-soft2);border-radius:999px;padding:8px 18px;font-weight:700;font-size:13.5px;margin-bottom:22px;box-shadow:var(--shadow)}
.hero .kicker b{color:var(--gold-d)}
.hero h2{font-size:clamp(34px,5.2vw,60px);font-weight:800;line-height:1.1;letter-spacing:-1.8px;color:var(--ink)}
.hero h2 .bl{color:var(--blue-d)}
.hero h2 .hl{position:relative;white-space:nowrap}
.hero h2 .hl::after{content:"";position:absolute;left:-2px;right:-2px;bottom:6px;height:13px;background:var(--gold-soft);z-index:-1;border-radius:4px}
.hero .lead{margin:22px auto 0;font-size:17px;color:var(--soft);max-width:560px;line-height:1.74}
.hero .lead b{color:var(--ink);font-weight:700}
.hero .trust{display:flex;gap:10px;justify-content:center;margin-top:24px;flex-wrap:wrap}
.hero .trust span{display:inline-flex;align-items:center;gap:7px;background:var(--paper);border:1px solid var(--line2);border-radius:999px;padding:8px 16px;font-size:13.5px;font-weight:700;color:var(--ink);box-shadow:var(--shadow)}
.hero .trust span i{font-style:normal;color:var(--blue)}

/* ===== 가로형 견적 바 (중앙, 히어로 하단 오버랩) ===== */
.quotewrap{position:relative;z-index:5;margin-top:46px;padding-bottom:8px}
.quotebar{max-width:1080px;margin:0 auto;background:var(--paper);border:1px solid var(--line2);border-radius:20px;box-shadow:var(--shadow-lg);scroll-margin-top:90px;overflow:hidden}
.qb-head{display:flex;align-items:center;justify-content:center;gap:12px;background:var(--ink);color:#fff;padding:14px 24px;position:relative}
.qb-head::after{content:"";position:absolute;left:0;bottom:0;width:100%;height:3px;background:linear-gradient(90deg,var(--blue),var(--gold))}
.qb-head h3{font-size:16.5px;font-weight:800;letter-spacing:-.3px;display:flex;align-items:center;gap:9px}
.qb-head .free{background:var(--gold);color:var(--ink);font-size:11px;font-weight:800;padding:4px 11px;border-radius:999px;letter-spacing:.4px}
.qb-body{padding:22px 26px 20px}
.qb-form{display:grid;grid-template-columns:1.05fr 1.15fr 1fr 1.55fr 1.15fr;gap:14px;align-items:end}
.qb-form .field{margin-bottom:0}
.field label{display:block;font-size:11.5px;font-weight:800;margin-bottom:7px;color:var(--soft);letter-spacing:.3px}
.txt{width:100%;border:1.5px solid var(--line2);background:#fafbff;border-radius:11px;padding:13px 14px;font-size:15px;font-family:inherit;color:var(--ink);appearance:none;-webkit-appearance:none;transition:border .15s,box-shadow .15s,background .15s}
.txt:focus{outline:none;border-color:var(--blue);background:#fff;box-shadow:0 0 0 3px rgba(58,82,230,.15)}
.txt::placeholder{color:#a7abc2}
select.txt{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2314172a' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;padding-right:30px}
.seg{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.seg button{border:1.5px solid var(--line2);background:#fafbff;border-radius:11px;padding:13px 0;font-size:14.5px;font-weight:700;cursor:pointer;color:var(--soft);transition:all .15s}
.seg button:hover{border-color:var(--blue);color:var(--blue-d)}
.seg button.on{background:var(--blue);border-color:var(--blue);color:#fff}
.phone-row{display:grid;grid-template-columns:74px 1fr;gap:8px}
.submit{width:100%;background:var(--blue);color:#fff;border:0;border-radius:11px;padding:14px 0;font-size:16px;font-weight:800;letter-spacing:-.3px;cursor:pointer;box-shadow:var(--shadow-blue);transition:transform .12s,background .15s}
.submit:hover{transform:translateY(-2px);background:var(--ink)}
.submit:active{transform:translateY(1px)}
.qb-foot{display:flex;align-items:center;justify-content:space-between;gap:14px;margin-top:15px;padding-top:14px;border-top:1px solid var(--line);flex-wrap:wrap}
.privacy_wrap{display:flex;align-items:center;gap:7px;font-size:13px}
.privacy_wrap input[type=checkbox]{width:17px;height:17px;accent-color:var(--blue)}
.privacy_label{font-weight:600;color:var(--ink)}
.privacy_view{font-weight:700;color:var(--blue-d);text-decoration:underline;text-underline-offset:3px}
.privacy_view:hover{color:var(--gold-d)}
.trustrow{display:flex;gap:14px;font-size:12.5px;font-weight:600;color:var(--soft);flex-wrap:wrap}
.trustrow b{color:var(--blue-d)}
.err{display:none;background:#fdecea;border:1.5px solid #f3bdb6;border-radius:10px;color:#c0392b;font-size:13.5px;font-weight:700;padding:10px 14px;margin:12px 0 0;text-align:center;width:100%}

/* ===== Insurer marquee ===== */
.insurers{padding:40px 0 6px;background:transparent}
.insurers .cap{text-align:center;font-size:11.5px;font-weight:800;color:var(--soft);letter-spacing:3px;margin-bottom:15px}
.marquee{overflow:hidden;width:100%;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.track{display:flex;gap:10px;list-style:none;width:max-content;animation:marquee 30s linear infinite;padding:4px 0}
.marquee:hover .track{animation-play-state:paused}
.track li{background:var(--paper);border:1px solid var(--line);border-radius:999px;padding:9px 22px;font-weight:700;font-size:14px;color:var(--blue-d);white-space:nowrap}
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1!important;transform:none!important;transition:none!important}
}

/* ===== 공통 섹션 ===== */
.block{padding:76px 0}
.center{text-align:center}
.shead{margin-bottom:8px}
.title{font-size:clamp(28px,3.8vw,42px);font-weight:800;letter-spacing:-1.3px;line-height:1.22;color:var(--ink);margin-top:14px}
.title .bl{color:var(--blue-d)}
.title .go{color:var(--gold-d)}
.title .gr{color:var(--blue-d)}
.title .br{color:var(--gold-d)}
.subhero h2 .gr{color:var(--blue-d)}
.subhero h2 .br{color:var(--gold-d)}
.desc{margin-top:14px;color:var(--soft);font-size:15.5px;max-width:680px}
.center .desc{margin-left:auto;margin-right:auto}
.desc b{color:var(--ink)}

/* ===== VS 분할 밴드 ===== */
.versus{display:grid;grid-template-columns:1fr auto 1fr;gap:0;margin-top:46px;align-items:stretch;border:1px solid var(--line2);border-radius:20px;overflow:hidden;background:var(--paper);box-shadow:var(--shadow)}
.vside{padding:36px 38px}
.vside.a{background:var(--paper)}
.vside.b{background:linear-gradient(165deg,var(--ink) 0%,var(--ink2) 100%);color:#fff}
.vside .vtag{display:inline-block;font-size:11.5px;font-weight:800;letter-spacing:1.5px;padding:5px 13px;border-radius:999px;margin-bottom:16px}
.vside.a .vtag{background:var(--bg2);color:var(--soft)}
.vside.b .vtag{background:var(--gold);color:var(--ink)}
.vside h3{font-size:22px;font-weight:800;letter-spacing:-.6px;margin-bottom:16px}
.vside.a h3{color:var(--ink)}.vside.b h3{color:#fff}
.vlist{list-style:none;display:grid;gap:11px}
.vlist li{font-size:14.3px;padding-left:28px;position:relative;line-height:1.55}
.vside.a .vlist li{color:var(--soft)}
.vside.b .vlist li{color:rgba(255,255,255,.86)}
.vside.a .vlist li::before{content:"–";position:absolute;left:2px;top:-1px;color:var(--line2);font-weight:800}
.vside.b .vlist li::before{content:"✓";position:absolute;left:2px;top:0;color:var(--gold-soft2);font-weight:800}
.vmid{display:flex;align-items:center;justify-content:center;background:var(--bg2);width:88px;position:relative}
.vmid span{width:56px;height:56px;border-radius:50%;background:var(--paper);border:2px solid var(--gold);color:var(--gold-d);display:grid;place-items:center;font-weight:800;font-size:16px;font-style:italic;box-shadow:var(--shadow)}

/* ===== 비교 매트릭스 ===== */
.matrix{margin-top:46px;border:1px solid var(--line2);border-radius:20px;overflow:hidden;background:var(--paper);box-shadow:var(--shadow-lg)}
.matrix table{width:100%;border-collapse:collapse;font-size:14.5px}
.matrix thead th{background:var(--ink);color:#fff;font-weight:700;padding:17px 20px;text-align:center;letter-spacing:-.2px}
.matrix thead th:first-child{text-align:left;font-weight:600;color:var(--gold-soft2);letter-spacing:1.5px;font-size:12px}
.matrix thead th.hl{background:var(--blue);position:relative}
.matrix thead th.hl::after{content:"BEST";position:absolute;top:5px;left:50%;transform:translateX(-50%);font-size:9px;letter-spacing:1px;color:var(--gold-soft2)}
.matrix tbody td{padding:15px 20px;border-top:1px solid var(--line);text-align:center;color:var(--soft);vertical-align:middle}
.matrix tbody td:first-child{text-align:left;font-weight:700;color:var(--ink);font-size:14px}
.matrix tbody td.hl{background:var(--blue-soft)}
.matrix tbody tr:hover td{background:rgba(58,82,230,.045)}
.matrix tbody tr:hover td.hl{background:var(--blue-soft2)}
.mk{display:inline-grid;place-items:center;width:26px;height:26px;border-radius:50%;font-size:13px;font-weight:800}
.mk.y{background:var(--blue-soft2);color:var(--blue-dd)}
.mk.n{background:var(--bg2);color:#b4b8cc}
.mk.hl{background:var(--blue);color:#fff}

/* ===== 모듈 타일 ===== */
.modules{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:46px}
.mod{background:var(--paper);border:1px solid var(--line2);border-radius:15px;padding:24px 22px;position:relative;transition:transform .2s,box-shadow .2s;overflow:hidden}
.mod::before{content:"";position:absolute;top:0;left:0;width:100%;height:3px;background:var(--blue)}
.mod:nth-child(4n+2)::before{background:var(--gold)}
.mod:nth-child(4n+3)::before{background:var(--blue-d)}
.mod:nth-child(4n+4)::before{background:var(--gold-d)}
.mod:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg)}
.mod .mi{font-size:26px;margin-bottom:11px}
.mod h3{font-size:16px;font-weight:800;letter-spacing:-.4px;color:var(--ink);margin-bottom:5px}
.mod p{font-size:13px;color:var(--soft);line-height:1.55}

/* ===== 6 메뉴 카드 ===== */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:46px}
.mcard{background:var(--paper);border:1px solid var(--line2);border-radius:var(--r);box-shadow:var(--shadow);display:block;overflow:hidden;transition:transform .2s,box-shadow .2s;position:relative}
.mcard:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.mcard .midx{position:absolute;top:14px;left:16px;z-index:2;font-size:12px;font-weight:800;letter-spacing:1.5px;color:#fff;background:rgba(20,23,42,.5);padding:3px 10px;border-radius:999px;backdrop-filter:blur(3px)}
.mcard .thumb{display:block;aspect-ratio:72/46;overflow:hidden;background:var(--blue-soft)}
.mcard .thumb img{width:100%;height:100%;object-fit:cover;transition:transform .35s}
.mcard:hover .thumb img{transform:scale(1.05)}
.mcard .cap{display:block;padding:17px 20px 19px;border-top:2px solid var(--blue)}
.mcard h3{font-size:17.5px;font-weight:800;letter-spacing:-.4px;display:flex;align-items:center;justify-content:space-between;color:var(--ink)}
.mcard .go{width:26px;height:26px;border-radius:999px;background:var(--blue-soft);color:var(--blue-d);display:grid;place-items:center;font-size:13px;transition:background .2s,color .2s,transform .2s}
.mcard:hover .go{background:var(--blue);color:#fff;transform:translateX(3px)}
.mcard p{margin-top:5px;font-size:13.3px;color:var(--soft)}

/* ===== 통계 밴드 ===== */
.stats{background:linear-gradient(135deg,var(--ink) 0%,var(--ink2) 100%);border-radius:20px;padding:46px 36px;margin-top:46px;display:grid;grid-template-columns:repeat(3,1fr);gap:0;text-align:left;color:#fff;box-shadow:var(--shadow-lg);position:relative;overflow:hidden}
.stats::before{content:"";position:absolute;right:-50px;top:-50px;width:200px;height:200px;border-radius:50%;background:rgba(58,82,230,.32)}
.stat{padding:0 30px;border-right:1px solid rgba(255,255,255,.12);position:relative;z-index:1}
.stat:first-child{padding-left:18px}
.stat:last-child{border-right:0}
.stat .n{font-size:clamp(26px,3.6vw,38px);font-weight:800;letter-spacing:-1px;line-height:1;color:var(--gold-soft2)}
.stat .l{margin-top:11px;font-size:14px;color:rgba(255,255,255,.82);font-weight:500;line-height:1.6}
.stat .l b{color:#fff;font-weight:700}

/* ===== 절차 ===== */
.flow{display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin-top:46px;border:1px solid var(--line2);border-radius:18px;overflow:hidden;background:var(--paper);box-shadow:var(--shadow)}
.fcard{position:relative;padding:32px 28px;border-right:1px solid var(--line2)}
.fcard:last-child{border-right:0}
.fcard .fn{font-size:12.5px;font-weight:800;letter-spacing:2px;color:var(--gold-d);margin-bottom:14px}
.fcard .fi{font-size:28px;margin-bottom:10px}
.fcard h3{font-size:18px;font-weight:800;letter-spacing:-.4px;color:var(--ink);margin-bottom:5px}
.fcard h3 b{color:var(--blue-d)}
.fcard p{font-size:13.8px;color:var(--soft)}

/* ===== 보장 표 ===== */
.gentable{margin-top:34px;border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow);background:var(--paper);border:1px solid var(--line2)}
.gentable table{width:100%;border-collapse:collapse;font-size:14.4px}
.gentable th{background:var(--ink);color:#fff;font-weight:700;padding:14px 18px;text-align:left;word-break:keep-all}
.gentable th b{color:var(--gold-soft2)}
.gentable td{padding:13px 18px;border-top:1px solid var(--line);color:var(--soft);vertical-align:top;line-height:1.62;word-break:keep-all}
.gentable td b{color:var(--ink)}
.gentable tr:nth-child(even) td{background:var(--bg)}
.gentable.cmp td.pick{background:var(--blue-soft);color:var(--ink);font-weight:600}

/* ===== 콜아웃 ===== */
.callout{margin-top:30px;background:var(--blue-soft);border:1px solid var(--blue-soft2);border-radius:var(--r);padding:22px 26px;display:flex;gap:15px;align-items:flex-start;box-shadow:var(--shadow)}
.callout.br{background:var(--gold-soft);border-color:var(--gold-soft2)}
.callout .ci{flex:none;width:38px;height:38px;border-radius:11px;background:var(--paper);color:var(--blue-d);display:grid;place-items:center;font-size:19px}
.callout.br .ci{color:var(--gold-d)}
.callout h3{font-size:16.5px;font-weight:800;margin-bottom:5px;color:var(--ink)}
.callout p{font-size:14.2px;color:var(--soft)}
.callout p a{color:var(--blue-d);text-decoration:underline;text-underline-offset:3px;font-weight:700}

/* ===== FAQ ===== */
.faq{margin-top:36px;max-width:920px;margin-left:auto;margin-right:auto}
.qa{background:var(--paper);border:1px solid var(--line2);border-radius:14px;margin-bottom:11px;box-shadow:var(--shadow);overflow:hidden;transition:box-shadow .2s,border .2s}
.qa.open{border-color:var(--blue);box-shadow:var(--shadow-lg)}
.qa .q{width:100%;display:flex;align-items:center;justify-content:space-between;gap:14px;background:none;border:0;text-align:left;padding:18px 22px;font-size:15.5px;font-weight:700;cursor:pointer;color:var(--ink)}
.qa .q:hover{background:var(--bg)}
.qa .qmark{color:var(--gold-d);font-weight:800;margin-right:9px;font-style:italic}
.qa .ar{width:27px;height:27px;border-radius:999px;background:var(--blue-soft);color:var(--blue-d);display:grid;place-items:center;font-size:16px;font-weight:800;flex:none;transition:transform .25s,background .2s,color .2s}
.qa.open .ar{transform:rotate(45deg);background:var(--blue);color:#fff}
.qa .a{max-height:0;overflow:hidden;transition:max-height .35s ease;color:var(--soft);font-size:14.6px}
.qa .a > div{padding:0 22px 19px;border-top:1px solid var(--line);padding-top:14px}
.faqmore{display:inline-block;margin-top:14px;font-weight:700;font-size:14.5px;color:var(--blue-d);text-decoration:underline;text-underline-offset:3px}
.faqmore:hover{color:var(--gold-d)}

/* ===== CTA ===== */
.ctaband{position:relative;background:linear-gradient(135deg,var(--ink) 0%,var(--ink2) 100%);color:#fff;padding:56px 48px;border-radius:22px;overflow:clip;box-shadow:var(--shadow-lg);display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap}
.ctaband::before{content:"";position:absolute;right:-50px;top:-50px;width:220px;height:220px;border-radius:50%;background:rgba(58,82,230,.34)}
.ctaband .ctxt{position:relative;z-index:1}
.ctaband .ctxt h2{font-size:clamp(24px,3.3vw,36px);font-weight:800;line-height:1.2;letter-spacing:-.8px;color:#fff}
.ctaband .ctxt h2 b{color:var(--gold-soft2)}
.ctaband .ctxt p{margin-top:10px;color:rgba(255,255,255,.8);font-size:15px}
.ctaband a{position:relative;z-index:1;flex:none;background:var(--gold);color:var(--ink);border-radius:999px;padding:16px 42px;font-weight:800;font-size:16.5px;transition:transform .15s,background .15s,color .15s}
.ctaband a:hover{transform:translateY(-2px);background:#fff;color:var(--ink)}

/* ===== 서브 페이지 헤더 ===== */
.subhero{position:relative;overflow:clip;padding:54px 0 52px;text-align:center;background:
   radial-gradient(900px 360px at 50% -100px,rgba(58,82,230,.12),transparent 60%),
   linear-gradient(180deg,#fff,var(--bg))}
.subhero .sgrid{position:relative;z-index:1;max-width:820px;margin:0 auto}
.subhero .crumb{font-size:13px;color:var(--soft);margin-bottom:16px;font-weight:500}
.subhero .crumb a{color:var(--blue-d);text-decoration:underline;text-underline-offset:3px;font-weight:600}
.subhero .crumb span{margin:0 7px;color:var(--line2)}
.subhero .dept{display:inline-block;font-weight:800;font-size:12px;letter-spacing:2.5px;color:var(--blue-d);margin-bottom:14px;background:var(--blue-soft);padding:7px 16px;border-radius:999px}
.subhero h2{font-size:clamp(28px,4.5vw,48px);font-weight:800;line-height:1.14;letter-spacing:-1.4px;color:var(--ink)}
.subhero h2 .bl{color:var(--blue-d)}.subhero h2 .go{color:var(--gold-d)}
.subhero p{margin:15px auto 0;color:var(--soft);font-size:15px;max-width:620px}

/* 본문 콘텐츠 */
.article{padding:54px 22px 72px}
.article .inner{max-width:940px;margin:0 auto}
.article .sec{margin-bottom:50px}
.article h3.h{font-size:23px;font-weight:800;letter-spacing:-.6px;color:var(--ink);display:flex;align-items:center;gap:13px;margin-bottom:15px}
.article h3.h .hn{font-size:13px;font-weight:800;letter-spacing:1px;color:var(--blue-d);background:var(--blue-soft);border-radius:8px;padding:4px 10px;flex:none}
.article p.t{color:var(--soft);font-size:15.6px;margin-bottom:12px;line-height:1.78}
.article p.t b{color:var(--ink)}
.article p.t a{color:var(--blue-d);text-decoration:underline;text-underline-offset:3px;font-weight:700}
.article p.t a:hover{color:var(--gold-d)}
.steps{counter-reset:st;display:grid;gap:0;margin-top:22px;border:1px solid var(--line2);border-radius:14px;overflow:hidden;background:var(--paper);box-shadow:var(--shadow)}
.step{padding:22px 24px 22px 76px;position:relative;counter-increment:st;border-top:1px solid var(--line)}
.step:first-child{border-top:0}
.step::before{content:"0" counter(st);position:absolute;left:22px;top:20px;font-size:20px;font-weight:800;color:var(--blue-d);letter-spacing:-1px}
.step h3{font-size:17px;font-weight:800;letter-spacing:-.4px;margin-bottom:4px;color:var(--ink)}
.step p{font-size:14.2px;color:var(--soft)}
.step p b{color:var(--ink)}
.step p a{color:var(--blue-d);text-decoration:underline;text-underline-offset:3px;font-weight:700}
.checklist{list-style:none;margin-top:18px;display:grid;gap:10px}
.checklist li{background:var(--paper);border:1px solid var(--line2);border-radius:12px;padding:13px 17px 13px 46px;position:relative;font-size:14.4px;color:var(--soft);box-shadow:var(--shadow)}
.checklist li::before{content:"✓";position:absolute;left:16px;top:12px;color:var(--blue);font-weight:800}
.checklist li b{color:var(--ink)}
.article .gentable,.article .matrix{margin-top:22px}
.pts{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:24px}
.pt{background:var(--paper);border:1px solid var(--line2);border-radius:14px;box-shadow:var(--shadow);padding:24px 24px;position:relative}
.pt .pn{font-size:12.5px;font-weight:800;letter-spacing:1px;color:var(--gold-d);margin-bottom:10px}
.pt h4{font-size:17.5px;font-weight:800;color:var(--ink);margin-bottom:7px;letter-spacing:-.3px}
.pt p{font-size:13.9px;color:var(--soft);line-height:1.62}
.dx{display:grid;gap:14px;margin-top:24px}
.dxc{border:1px solid var(--line2);border-left-width:5px;border-left-color:var(--blue);border-radius:12px;background:var(--paper);box-shadow:var(--shadow);padding:20px 24px}
.dxc:nth-child(even){border-left-color:var(--gold)}
.dxc h3{font-size:18.5px;font-weight:800;letter-spacing:-.5px;margin-bottom:6px;color:var(--blue-d)}
.dxc:nth-child(even) h3{color:var(--gold-d)}
.dxc p{font-size:14.3px;color:var(--soft)}
.dxc p b{color:var(--ink)}

/* Footer */
footer{background:#0f1120;color:#fff;padding:0 0 36px;margin-top:0}
footer::before{content:"";display:block;height:5px;margin-bottom:44px;background:linear-gradient(90deg,var(--blue),var(--gold))}
.fnotes{background:rgba(255,255,255,.04);border-radius:13px;padding:20px 24px;font-size:12.6px;line-height:1.85;color:rgba(255,255,255,.66)}
.fnotes .strong{font-weight:800;color:var(--gold-soft2);margin-bottom:6px}
.fbot{display:flex;align-items:flex-end;justify-content:space-between;gap:20px;margin-top:26px;flex-wrap:wrap}
.fbrand{display:flex;align-items:center;gap:9px;font-weight:800;font-size:19px;letter-spacing:-.5px;color:#fff}
.fbrand .mark{width:26px;height:26px}
.fbrand .mark svg{width:26px;height:26px}
.fcorp{margin-top:8px;font-size:12.4px;color:rgba(255,255,255,.45)}
.flinks{display:flex;gap:18px}
.flinks a{font-size:13.4px;font-weight:700;color:var(--gold-soft2);text-decoration:underline;text-underline-offset:3px}
.flinks a:hover{color:#fff}

/* Modal */
.modal{display:none;position:fixed;inset:0;z-index:120;background:rgba(20,23,42,.55);padding:20px}
.modal.open{display:flex;align-items:center;justify-content:center}
.mbox{background:var(--paper);width:100%;max-width:480px;border-radius:18px;box-shadow:0 30px 70px rgba(0,0,0,.4);animation:rise .25s ease;overflow:hidden}
#termsModal .mbox{max-width:760px}
@keyframes rise{from{transform:translateY(18px);opacity:0}to{transform:none;opacity:1}}
.mtop{display:flex;align-items:center;justify-content:space-between;padding:14px 24px;background:var(--ink)}
.mtop h3{font-size:18px;font-weight:800;color:#fff}
.mclose{background:rgba(255,255,255,.16);border:0;width:32px;height:32px;border-radius:50%;font-size:18px;font-weight:900;cursor:pointer;line-height:1;color:#fff}
.mclose:hover{background:var(--blue);color:#fff}
.mbody{padding:22px 24px;max-height:60vh;overflow-y:auto}
.mbody.nopad{padding:0;max-height:none;overflow:hidden}
.terms-frame{width:100%;height:65vh;border:0;display:block;background:#fff}
.mfoot{display:flex;gap:10px;justify-content:flex-end;padding:14px 22px;border-top:1px solid var(--line);background:var(--bg)}
.mbtn{background:var(--blue);color:#fff;border:0;border-radius:11px;padding:12px 24px;font-weight:800;font-size:14.5px;cursor:pointer;transition:background .15s,color .15s;box-shadow:var(--shadow-blue)}
.mbtn:hover{background:var(--ink)}
.mbtn.ghost{background:var(--paper);color:var(--ink);border:1.5px solid var(--line2);box-shadow:none}
.mbtn.ghost:hover{background:var(--ink);color:#fff;border-color:var(--ink)}
.mbtn.full{width:100%}
.smsinfo{font-size:15px;text-align:center;margin-bottom:16px;color:var(--soft)}
.smsinfo b{color:var(--blue-d)}
.demohint{display:none}
.resend{display:block;margin:13px auto 0;background:none;border:0;font-size:13.5px;font-weight:600;color:var(--soft);text-decoration:underline;text-underline-offset:3px;cursor:pointer}
.resend:hover{color:var(--blue-d)}
.field.mfield{margin-top:18px;margin-bottom:0}
.mfield label{display:block;font-size:13px;font-weight:700;margin-bottom:4px;color:var(--ink)}

/* Reveal */
.reveal{opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}

/* Responsive */
@media (max-width:980px){
  nav{display:none}
  header .hbtn{display:none}
  .burger{display:flex}
  .hero{padding:44px 0 0}
  .qb-form{grid-template-columns:1fr 1fr;gap:12px}
  .qb-form .submit-cell{grid-column:1 / -1}
  .versus{grid-template-columns:1fr}
  .vmid{width:auto;height:64px}
  .modules{grid-template-columns:1fr 1fr}
  .stats{grid-template-columns:1fr;gap:0}
  .stat{border-right:0;border-bottom:1px solid rgba(255,255,255,.12);padding:18px 18px}
  .stat:last-child{border-bottom:0}
  .cards{grid-template-columns:1fr 1fr}
  .flow{grid-template-columns:1fr}
  .fcard{border-right:0;border-bottom:1px solid var(--line2)}
  .fcard:last-child{border-bottom:0}
  .pts{grid-template-columns:1fr}
  .ctaband{flex-direction:column;align-items:flex-start;text-align:left}
}
@media (max-width:600px){
  .qb-form{grid-template-columns:1fr}
  .qb-head h3{font-size:15px}
  .cards{grid-template-columns:1fr}
  .modules{grid-template-columns:1fr}
  .hero h2{letter-spacing:-1px}
  .matrix table{font-size:12px}
  .matrix thead th,.matrix tbody td{padding:11px 8px}
  .mk{width:22px;height:22px;font-size:11px}
  .gentable table,.gentable tbody,.gentable tr,.gentable td{display:block;width:100%}
  .gentable thead,.gentable tr:first-child{display:none}
  .gentable tr{border-top:2px solid var(--line2);padding:4px 0}
  .gentable tr:first-child{border-top:0}
  .gentable td{border-top:0;padding:8px 18px}
  .gentable td:first-child{padding-top:14px}
  .gentable td:last-child{padding-bottom:14px}
  .gentable td b{display:inline-block;margin-bottom:2px;color:var(--blue-d)}
  .gentable.cmp table{display:table}
  .gentable.cmp tbody{display:table-row-group}
  .gentable.cmp tr,.gentable.cmp tr:first-child,.gentable.cmp thead{display:table-row;border-top:0;padding:0}
  .gentable.cmp th,.gentable.cmp td{display:table-cell;width:auto;font-size:12.3px;padding:9px 9px;border-top:1px solid var(--line)}
  .gentable.cmp td b{display:inline;margin:0;color:var(--ink)}
  .gentable.cmp td.pick{background:var(--blue-soft)}
}