/* ==================== 기본 설정 ==================== */
:root {
  --navy-950: #060f1f;
  --navy-900: #0b1f3a;
  --navy-800: #12294b;
  --navy-700: #1a3660;
  --blue-600: #2f5ee0;
  --blue-500: #3f6bf0;
  --gold-500: #c9a04a;
  --gold-400: #dab86b;
  --cta-400: #ff9142;
  --cta-500: #ff7a1a;
  --cta-600: #f2600a;
  --cta-700: #c94e05;
  --gray-50: #f7f8fa;
  --gray-100: #eef1f5;
  --gray-200: #e2e6ec;
  --gray-400: #9aa4b2;
  --gray-600: #5b6472;
  --gray-800: #23293380;
  --ink: #16202e;
  --white: #ffffff;
  --radius-md: 12px;
  --radius-lg: 20px;
  --shadow-sm: 0 2px 10px rgba(16, 24, 40, 0.06);
  --shadow-md: 0 12px 32px rgba(16, 24, 40, 0.10);
  --container: 1180px;
  --header-h: 72px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 12px);
}

body {
  font-family: "Pretendard", -apple-system, BlinkMacSystemFont, "Malgun Gothic", "Apple SD Gothic Neo", sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  word-break: keep-all;
  overflow-wrap: break-word;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; }
input, select, button { font-family: inherit; font-size: 1rem; }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

/* ==================== 버튼 ==================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 22px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.95rem;
  border: 1px solid transparent;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease, color .15s ease;
  white-space: nowrap;
}
.btn--primary {
  background: linear-gradient(135deg, var(--cta-400), var(--cta-600));
  color: var(--white);
  box-shadow: 0 8px 20px rgba(242, 96, 10, 0.35);
}
.btn--primary:hover { transform: translateY(-2px); box-shadow: 0 12px 28px rgba(242, 96, 10, 0.45); }

/* 전환 유도용 강조 펄스 - 히어로/모바일 고정바 등 첫 진입 CTA에만 사용 */
@keyframes ctaPulse {
  0%, 100% { box-shadow: 0 8px 20px rgba(242, 96, 10, 0.35); }
  50% { box-shadow: 0 8px 30px rgba(242, 96, 10, 0.6); }
}
.btn--pulse { animation: ctaPulse 2.4s ease-in-out infinite; }
.btn--ghost {
  background: transparent;
  color: var(--navy-800);
  border-color: var(--gray-200);
}
.btn--ghost:hover { border-color: var(--navy-700); background: var(--gray-50); }
.btn--sm { padding: 9px 16px; font-size: 0.85rem; }
.btn--lg { padding: 15px 30px; font-size: 1rem; }
.btn--block { width: 100%; }

/* ==================== 헤더 ==================== */
.header {
  position: sticky;
  top: 0;
  z-index: 100;
  height: var(--header-h);
  display: flex;
  align-items: center;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--gray-200);
}
.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.logo {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--navy-900);
  letter-spacing: -0.02em;
}
.logo span { color: var(--blue-600); }
.logo--footer { color: var(--white); }
.logo--footer span { color: var(--gold-400); }

.nav__list {
  display: none;
  gap: 28px;
}
.nav__list a {
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--gray-600);
  transition: color .15s ease;
}
.nav__list a:hover { color: var(--navy-900); }

.header__actions { display: flex; align-items: center; gap: 12px; }

.nav__toggle {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 32px;
  height: 32px;
  background: none;
  border: none;
}
.nav__toggle span {
  display: block;
  height: 2px;
  width: 100%;
  background: var(--navy-900);
  border-radius: 2px;
  transition: transform .2s ease, opacity .2s ease;
}
.nav__toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav__toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav__toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

@media (min-width: 860px) {
  .nav__list { display: flex; }
  .nav__toggle { display: none; }
}

/* 모바일 드롭다운 메뉴 */
.nav {
  position: static;
}
@media (max-width: 859px) {
  .nav__list {
    position: absolute;
    top: var(--header-h);
    left: 0;
    right: 0;
    background: var(--white);
    border-bottom: 1px solid var(--gray-200);
    flex-direction: column;
    gap: 0;
    padding: 8px 24px 16px;
    box-shadow: var(--shadow-md);
  }
  .nav__list.is-open { display: flex; }
  .nav__list li { border-top: 1px solid var(--gray-100); }
  .nav__list a { display: block; padding: 14px 4px; }
}

/* ==================== 히어로 ==================== */
.hero {
  position: relative;
  background: radial-gradient(120% 140% at 15% 0%, var(--navy-800) 0%, var(--navy-900) 45%, var(--navy-950) 100%);
  color: var(--white);
  overflow: hidden;
}
.hero__glow {
  position: absolute;
  top: -180px;
  right: -120px;
  width: 520px;
  height: 520px;
  background: radial-gradient(circle, rgba(63, 107, 240, 0.35), transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}
.hero__inner {
  position: relative;
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
  padding: 72px 24px 96px;
}
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  color: var(--gold-400);
  background: rgba(201, 160, 74, 0.12);
  border: 1px solid rgba(201, 160, 74, 0.35);
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 22px;
}
.hero__text h1 {
  font-size: clamp(2rem, 5vw, 3.1rem);
  font-weight: 800;
  line-height: 1.28;
  letter-spacing: -0.02em;
  margin-bottom: 22px;
}
.hero__desc {
  font-size: 1.05rem;
  color: rgba(255, 255, 255, 0.78);
  margin-bottom: 32px;
  max-width: 42ch;
}
.hero__cta { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 18px; }
.hero .btn--ghost { color: var(--white); border-color: rgba(255,255,255,0.28); }
.hero .btn--ghost:hover { background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.5); }
.hero__note { font-size: 0.85rem; color: rgba(255,255,255,0.55); }

/* 페이스북/인스타그램 인앱 브라우저처럼 세로 공간이 좁은 환경에서
   퀵 신청폼이 스크롤 없이 최대한 첫 화면에 걸리도록 압축 */
@media (max-width: 859px) {
  .hero__inner { padding: 28px 24px 36px; gap: 20px; }
  .eyebrow { margin-bottom: 10px; padding: 5px 12px; }
  .hero__text h1 { font-size: 1.6rem; line-height: 1.3; margin-bottom: 10px; }
  .hero__desc { font-size: 0.92rem; margin-bottom: 0; }
  /* 모바일에서는 퀵폼이 첫 화면에 바로 보이므로, 같은 문구의 버튼을 중복 노출하지 않고
     퀵폼 하나만 명확한 단일 액션으로 남긴다 */
  .hero__cta { display: none; }
  .hero__note { display: none; }
}

.hero__panel { position: relative; display: flex; justify-content: center; }
.quick-form {
  width: 100%;
  max-width: 380px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.14);
  backdrop-filter: blur(6px);
  border-radius: var(--radius-lg);
  padding: 28px;
}
.quick-form__title {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 16px;
}
.quick-form__fields { display: flex; flex-direction: column; gap: 12px; }
.quick-form__fields input {
  width: 100%;
  padding: 13px 14px;
  border-radius: 10px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  background: rgba(255, 255, 255, 0.08);
  color: var(--white);
}
.quick-form__fields input::placeholder { color: rgba(255, 255, 255, 0.5); }
.quick-form__fields input:focus {
  outline: none;
  border-color: var(--cta-400);
  box-shadow: 0 0 0 3px rgba(255, 122, 26, 0.25);
}
.quick-form__fields input.has-error {
  border-color: #ff6b57;
  box-shadow: 0 0 0 3px rgba(255, 107, 87, 0.2);
}
.quick-form__error {
  display: none;
  font-size: 0.78rem;
  color: #ffb4a8;
  margin-top: -4px;
}
.quick-form__error.is-visible { display: block; }
.quick-form__note {
  margin-top: 14px;
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.55);
  text-align: center;
}
@media (max-width: 859px) {
  .quick-form { padding: 20px; }
  .quick-form__title { margin-bottom: 12px; }
}

/* 신뢰 지표 바 */
.stats { background: var(--navy-950); border-top: 1px solid rgba(255,255,255,0.08); }
.stats__inner {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  padding: 32px 24px;
}
.stat { text-align: center; }
.stat strong { font-size: 1.8rem; font-weight: 800; color: var(--white); }
.stat strong span { font-size: 1.1rem; font-weight: 700; margin-left: 2px; }
.stat p { font-size: 0.82rem; color: rgba(255,255,255,0.55); margin-top: 4px; }
@media (min-width: 640px) { .stats__inner { grid-template-columns: repeat(4, 1fr); } }
@media (min-width: 960px) {
  .hero__inner { grid-template-columns: 1.1fr 0.9fr; align-items: center; padding: 96px 24px 120px; }
}

/* ==================== 섹션 공통 ==================== */
.section { padding: 56px 0; }
.section--alt { background: var(--gray-50); }
.section__eyebrow {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--blue-600);
  margin-bottom: 10px;
}
.section__title {
  font-size: clamp(1.5rem, 3.2vw, 2.1rem);
  font-weight: 800;
  letter-spacing: -0.01em;
  color: var(--navy-900);
  margin-bottom: 14px;
}
.section__desc {
  color: var(--gray-600);
  max-width: 640px;
  margin-bottom: 28px;
  font-size: 1rem;
}

.grid { display: grid; gap: 20px; }
.grid--4 { grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); }
.grid--3 { grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.grid--product { grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 12px; }

/* 카드 (강점) */
.card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 20px;
  transition: box-shadow .2s ease, transform .2s ease;
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.card__icon {
  width: 42px; height: 42px;
  display: flex; align-items: center; justify-content: center;
  border-radius: 12px;
  background: linear-gradient(135deg, rgba(47,94,224,0.12), rgba(201,160,74,0.14));
  color: var(--blue-600);
  margin-bottom: 12px;
}
.card h3 { font-size: 1.02rem; font-weight: 700; color: var(--navy-900); margin-bottom: 6px; }
.card p { font-size: 0.88rem; color: var(--gray-600); }

/* 제휴 보험사 */
.partners-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
}
.partners-grid span {
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 16px 10px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 10px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy-800);
  transition: border-color .15s ease, color .15s ease;
}
.partners-grid span:hover { border-color: var(--blue-500); color: var(--blue-600); }
.fine-print { margin-top: 20px; font-size: 0.8rem; color: var(--gray-400); }
@media (min-width: 640px) { .partners-grid { grid-template-columns: repeat(4, 1fr); } }
@media (min-width: 960px) { .partners-grid { grid-template-columns: repeat(8, 1fr); } }

/* 취급 상품 */
.product-card {
  display: flex;
  align-items: center;
  gap: 10px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 16px;
}
.product-card__icon { font-size: 1.4rem; }
.product-card h3 { font-size: 0.94rem; font-weight: 700; color: var(--navy-900); }

/* 상담 절차 */
.process {
  display: grid;
  gap: 20px;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  counter-reset: step;
}
.process__step {
  position: relative;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 20px;
}
.process__num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px; height: 36px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--blue-600), var(--navy-700));
  color: var(--white);
  font-weight: 800;
  margin-bottom: 16px;
}
.process__step h3 { font-size: 1.02rem; font-weight: 700; color: var(--navy-900); margin-bottom: 8px; }
.process__step p { font-size: 0.88rem; color: var(--gray-600); }

/* FAQ */
.faq { display: flex; flex-direction: column; gap: 12px; max-width: 760px; }
.faq__item {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 18px 20px;
}
.faq__item summary {
  cursor: pointer;
  font-weight: 700;
  color: var(--navy-900);
  font-size: 0.98rem;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary::after {
  content: "+";
  font-size: 1.3rem;
  color: var(--blue-600);
  transition: transform .2s ease;
}
.faq__item[open] summary::after { transform: rotate(45deg); }
.faq__item p { margin-top: 12px; font-size: 0.9rem; color: var(--gray-600); }

/* ==================== 상담 신청 폼 ==================== */
.section--form { background: var(--gray-50); }
.form-wrap {
  display: grid;
  gap: 40px;
}
.form-intro__list { margin-top: 22px; display: flex; flex-direction: column; gap: 8px; }
.form-intro__list li { font-size: 0.92rem; color: var(--navy-800); font-weight: 600; }

.consult-form {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.field label {
  display: block;
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--navy-900);
  margin-bottom: 8px;
}
.required { color: #e0453c; }
.field input,
.field select {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--gray-200);
  border-radius: 10px;
  background: var(--white);
  color: var(--ink);
  transition: border-color .15s ease, box-shadow .15s ease;
}
.field input:focus,
.field select:focus {
  outline: none;
  border-color: var(--blue-500);
  box-shadow: 0 0 0 3px rgba(63, 107, 240, 0.15);
}
.field__error {
  display: none;
  font-size: 0.8rem;
  color: #e0453c;
  margin-top: 6px;
}
.field.has-error input,
.field.has-error select { border-color: #e0453c; }
.field.has-error .field__error { display: block; }

.checkbox {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.9rem;
  color: var(--navy-800);
  cursor: pointer;
}
.checkbox input { width: 18px; height: 18px; margin-top: 1px; accent-color: var(--blue-600); flex-shrink: 0; }

.consent {
  border-top: 1px solid var(--gray-100);
  padding-top: 12px;
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.consent-item { border-radius: 8px; transition: background .15s ease; }
.consent-item.has-error { background: #fef2f2; }
.consent__row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 6px 4px;
}
.consent__toggle {
  background: none;
  border: none;
  font-size: 0.8rem;
  color: var(--gray-600);
  text-decoration: underline;
  flex-shrink: 0;
}
.consent__detail {
  background: var(--gray-50);
  border-radius: 8px;
  padding: 14px 16px;
  margin: 4px 4px 10px;
  font-size: 0.8rem;
  color: var(--gray-600);
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.consent__detail[hidden] { display: none; }
.consent-item .field__error { margin: 0 4px 8px; }
.consent-item.has-error .field__error { display: block; }

.form-success {
  display: none;
  align-items: center;
  gap: 12px;
  background: #eefbf3;
  border: 1px solid #b7e8c9;
  color: #1c7a44;
  border-radius: 10px;
  padding: 16px 18px;
  font-size: 0.92rem;
  font-weight: 600;
}
.form-success.is-visible { display: flex; }

@media (min-width: 960px) {
  .form-wrap { grid-template-columns: 0.85fr 1.15fr; align-items: start; }
}

/* ==================== 푸터 ==================== */
.footer { background: var(--navy-950); color: rgba(255,255,255,0.7); padding: 48px 0 20px; }
.footer__inner {
  display: flex;
  flex-direction: column;
  gap: 24px;
  padding-bottom: 28px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer__disclosure {
  padding: 20px 24px 0;
  display: flex;
  flex-direction: column;
  gap: 3px;
}
.footer__disclosure p { font-size: 0.72rem; line-height: 1.7; color: rgba(255,255,255,0.32); }
.footer__bottom { text-align: center; margin-top: 20px; }
.footer__bottom a {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.55);
  text-decoration: underline;
}
.footer__bottom a:hover { color: var(--white); }
.footer__copy { text-align: center; font-size: 0.78rem; color: rgba(255,255,255,0.35); margin-top: 8px; }

/* ==================== 모바일 고정 CTA ==================== */
.mobile-cta {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  display: flex;
  gap: 10px;
  padding: 10px 14px;
  background: var(--white);
  border-top: 1px solid var(--gray-200);
  box-shadow: 0 -6px 20px rgba(16,24,40,0.08);
  z-index: 90;
  transition: transform 0.25s ease;
}
/* 첫 화면의 퀵폼이 보이는 동안에는 중복되므로 숨기고,
   퀵폼이 스크롤로 사라지면 그때만 나타난다 (js에서 is-hidden 토글) */
.mobile-cta.is-hidden { transform: translateY(100%); }
.mobile-cta__call {
  width: 48px; height: 48px;
  flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  border-radius: 12px;
  background: var(--gray-100);
  color: var(--navy-800);
}
.mobile-cta__btn {
  flex: 1;
  display: flex; align-items: center; justify-content: center;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--cta-400), var(--cta-600));
  color: var(--white);
  font-weight: 700;
  box-shadow: 0 4px 14px rgba(242, 96, 10, 0.35);
}
@media (min-width: 860px) { .mobile-cta { display: none; } }
@media (max-width: 859px) { body { padding-bottom: 76px; } }

/* ==================== 정책 문서 페이지(개인정보처리방침 등) ==================== */
.policy { padding: 48px 0 96px; }
.policy__container { max-width: 760px; }
.policy h1 { font-size: 1.7rem; font-weight: 800; color: var(--navy-900); margin-bottom: 8px; }
.policy .policy__updated { font-size: 0.85rem; color: var(--gray-400); margin-bottom: 32px; }
.policy h2 { font-size: 1.05rem; font-weight: 800; color: var(--navy-900); margin: 36px 0 12px; }
.policy p { font-size: 0.92rem; color: var(--gray-600); line-height: 1.85; margin-bottom: 8px; }
.policy p.policy__intro { color: var(--navy-800); }
.policy ul { margin: 4px 0 12px 4px; }
.policy li { font-size: 0.92rem; color: var(--gray-600); line-height: 1.85; list-style: none; }