/* =========================================================
   finance 테마 — 보험대리점(GA)·대출모집·재무설계용
   핀테크 앱처럼 밝고 깔끔한 화면. 색상은 theme.css 의 --primary / --accent / --ink
   ========================================================= */
:root {
  --text: #344054;
  --muted: #667085;
  --line: #e4e7ec;
  --soft: #f5f7fb;
  --r: 20px;
  --hd-h: 72px;
  --wrap: 1200px;
  --gutter: 32px;
  --sec-y: 100px;
  --shadow: 0 20px 50px rgba(16, 24, 40, .08);
  --ease: cubic-bezier(.2, .7, .2, 1);
}
@media (max-width: 1024px) { :root { --hd-h: 62px; --gutter: 20px; --sec-y: 72px; } }
@media (max-width: 640px)  { :root { --gutter: 16px; --sec-y: 56px; --r: 16px; } }

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--hd-h) + 16px); -webkit-text-size-adjust: 100%; }
body { margin: 0; font-family: "Pretendard Variable", Pretendard, -apple-system, BlinkMacSystemFont, "Apple SD Gothic Neo", "Malgun Gothic", sans-serif; font-size: 16px; line-height: 1.7; color: var(--text); background: #fff; word-break: keep-all; overflow-wrap: break-word; -webkit-font-smoothing: antialiased; }
h1, h2, h3, p, ul, ol, dl, dd, figure { margin: 0; }
ul, ol { padding: 0; list-style: none; }
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; height: auto; }
button { font: inherit; color: inherit; background: none; border: 0; padding: 0; cursor: pointer; }
input, select, textarea { font: inherit; color: inherit; }
table { border-collapse: collapse; width: 100%; }
fieldset { margin: 0; padding: 0; border: 0; min-width: 0; }
:focus-visible { outline: 3px solid color-mix(in srgb, var(--primary) 45%, transparent); outline-offset: 2px; border-radius: 8px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: fixed; left: 16px; top: -60px; z-index: 300; padding: 10px 18px; background: var(--ink); color: #fff; border-radius: 8px; }
.skip:focus { top: 16px; }
.ico { width: 1.15em; height: 1.15em; flex: none; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; vertical-align: middle; }
.wrap { width: 100%; max-width: calc(var(--wrap) + var(--gutter) * 2); margin: 0 auto; padding: 0 var(--gutter); }
.center { text-align: center; }
.note { margin-top: 14px; font-size: 13px; color: var(--muted); }

.eyebrow { margin-bottom: 10px; font-size: 13px; font-weight: 800; letter-spacing: .12em; color: var(--primary); }
.h2 { font-size: clamp(26px, 3vw, 38px); line-height: 1.35; font-weight: 800; letter-spacing: -.04em; color: var(--ink); }
.h3 { display: flex; align-items: center; gap: 8px; margin-bottom: 18px; font-size: 20px; font-weight: 800; color: var(--ink); }
.h3 .ico { color: var(--primary); }
.lead { margin-top: 16px; font-size: 17px; color: var(--muted); }
.sec { padding: var(--sec-y) 0; }
.sec-soft { background: var(--soft); }
.sec-head { display: flex; justify-content: space-between; align-items: flex-end; gap: 16px; flex-wrap: wrap; margin-bottom: 40px; }
.sec-head.center { flex-direction: column; align-items: center; text-align: center; }
.more { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; color: var(--primary); }
.dot-list { display: grid; gap: 8px; }
.dot-list li { position: relative; padding-left: 16px; }
.dot-list li::before { content: ""; position: absolute; left: 0; top: .7em; width: 6px; height: 6px; border-radius: 50%; background: currentColor; opacity: .6; }

.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; height: 52px; padding: 0 24px; border-radius: 14px; border: 1px solid transparent; font-size: 16px; font-weight: 700; white-space: nowrap; transition: background .2s, color .2s, border-color .2s, transform .2s var(--ease); }
.btn-sm { height: 42px; padding: 0 18px; font-size: 14px; border-radius: 12px; }
.btn-lg { height: 58px; padding: 0 28px; font-size: 17px; }
.btn-block { width: 100%; }
.btn-primary { background: var(--primary); color: #fff; }
.btn-primary:hover { filter: brightness(1.08); transform: translateY(-1px); }
.btn-accent { background: var(--accent); color: #fff; }
.btn-accent:hover { filter: brightness(1.05); }
.btn-line { border-color: var(--line); background: #fff; color: var(--ink); }
.btn-line:hover { border-color: var(--primary); color: var(--primary); }
.btn-white { background: #fff; color: var(--primary); }
.btn-ghost { border-color: rgba(255,255,255,.4); color: #fff; }
.btn-ghost:hover { background: rgba(255,255,255,.12); }

/* ---------- 헤더 ---------- */
.hd { position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,.92); backdrop-filter: blur(12px); border-bottom: 1px solid transparent; transition: border-color .2s; }
.hd.is-scrolled { border-color: var(--line); }
.hd-bar { display: flex; align-items: center; gap: 30px; height: var(--hd-h); }
.logo { display: flex; align-items: center; gap: 10px; flex: none; }
.logo-mark { width: 36px; height: 36px; }
.logo-text { font-size: 21px; font-weight: 900; color: var(--ink); letter-spacing: -.04em; }
.gnb { flex: 1; }
.gnb ul { display: flex; gap: clamp(14px, 2.4vw, 34px); }
.gnb a { display: block; padding: 8px 2px; font-size: 16px; font-weight: 600; color: var(--muted); }
.gnb a:hover, .gnb a[aria-current] { color: var(--ink); }
.gnb a[aria-current] { font-weight: 800; }
.menu-btn { display: none; place-items: center; width: 42px; height: 42px; color: var(--ink); }
.menu-btn .ico { width: 26px; height: 26px; }
@media (max-width: 1024px) { .gnb { display: none; } .menu-btn { display: grid; } .hd-cta { margin-left: auto; } }
@media (max-width: 420px) { .hd-cta { display: none; } .menu-btn { margin-left: auto; } }
.sitemap { position: fixed; inset: 0; z-index: 200; background: rgba(16,24,40,.45); display: flex; justify-content: flex-end; }
.sitemap-box { position: relative; width: min(380px, 100%); height: 100%; overflow-y: auto; background: #fff; padding: 72px 24px 32px; animation: slideIn .3s var(--ease); }
@keyframes slideIn { from { transform: translateX(30px); opacity: 0; } }
.sitemap-close { position: absolute; top: 14px; right: 14px; width: 44px; height: 44px; display: grid; place-items: center; color: var(--ink); }
.sitemap-close .ico { width: 26px; height: 26px; }
.sitemap-list a { display: block; padding: 15px 4px; border-bottom: 1px solid var(--line); font-size: 18px; font-weight: 700; color: var(--ink); }
.sitemap-call { margin-top: 24px; }
.sitemap-call small { display: block; color: var(--muted); }
.sitemap-call a { font-size: 28px; font-weight: 900; color: var(--primary); }

/* ---------- 메인 ---------- */
.hero { padding: 50px 0 70px; background: radial-gradient(1000px 500px at 85% 20%, color-mix(in srgb, var(--primary) 9%, #fff), #fff 70%); overflow: hidden; }
.hero-in { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 50px; align-items: center; }
.pill { display: inline-flex; align-items: center; gap: 6px; padding: 6px 14px; border-radius: 999px; background: color-mix(in srgb, var(--accent) 12%, #fff); font-size: 13px; font-weight: 700; color: var(--accent); }
.hero-title { margin-top: 20px; font-size: clamp(32px, 4.2vw, 52px); font-weight: 900; line-height: 1.25; letter-spacing: -.05em; color: var(--ink); }
.hero-text { margin-top: 18px; font-size: 18px; color: var(--muted); }
.hero-btns { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 32px; }
.hero-visual { position: relative; padding: 30px 0 40px 30px; }
.hero-visual > img { width: 100%; aspect-ratio: 4 / 3.3; object-fit: cover; border-radius: 28px; }
.float-card { position: absolute; display: flex; flex-direction: column; padding: 16px 20px; border-radius: 16px; background: #fff; box-shadow: var(--shadow); }
.float-card small { font-size: 12px; color: var(--muted); }
.float-card b { font-size: 24px; font-weight: 900; color: var(--ink); letter-spacing: -.02em; }
.float-card span { font-size: 11px; color: var(--muted); }
.fc1 { left: 0; bottom: 0; }
.fc1 b { color: var(--accent); }
.fc2 { right: -10px; top: 0; }
.fc2 b { color: var(--primary); }
@media (max-width: 900px) { .hero-in { grid-template-columns: minmax(0, 1fr); gap: 30px; } .hero-visual { padding: 20px 0 30px 0; } .fc1 { left: 10px; } .fc2 { right: 10px; } .hero { padding: 30px 0 50px; } }
@media (max-width: 480px) { .float-card { padding: 10px 14px; } .float-card b { font-size: 18px; } .fc2 span { display: none; } .hero-btns .btn { flex: 1 1 100%; } }

.stats-row { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.stats { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); }
.stats li { padding: 30px 10px; text-align: center; }
.stats li + li { border-left: 1px solid var(--line); }
.stats b { display: block; font-size: clamp(28px, 3.4vw, 40px); font-weight: 900; color: var(--ink); letter-spacing: -.03em; font-variant-numeric: tabular-nums; }
.stats li > span { font-size: 14px; color: var(--muted); }
@media (max-width: 700px) { .stats { grid-template-columns: repeat(2, minmax(0, 1fr)); } .stats li:nth-child(3) { border-left: 0; } .stats li:nth-child(n+3) { border-top: 1px solid var(--line); } .stats li { padding: 20px 6px; } }

.svc-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; }
.svc-grid a { position: relative; display: flex; flex-direction: column; height: 100%; padding: 28px 24px 0; border-radius: var(--r); background: var(--soft); overflow: hidden; transition: transform .25s var(--ease), box-shadow .25s; }
.svc-grid a:hover { transform: translateY(-4px); box-shadow: var(--shadow); background: #fff; }
.svc-ico { display: grid; place-items: center; width: 52px; height: 52px; border-radius: 14px; background: var(--primary); color: #fff; }
.svc-ico .ico { width: 26px; height: 26px; }
.svc-grid b { margin-top: 18px; font-size: 19px; color: var(--ink); }
.svc-grid p { flex: 1; margin-top: 6px; font-size: 14px; color: var(--muted); }
.svc-grid img { margin: 20px -24px 0; width: calc(100% + 48px); max-width: none; aspect-ratio: 16 / 10; object-fit: cover; }
.svc-grid i { position: absolute; right: 18px; top: 32px; display: inline-flex; gap: 4px; align-items: center; font-style: normal; font-size: 13px; font-weight: 700; color: var(--primary); opacity: 0; transition: opacity .2s; }
.svc-grid a:hover i { opacity: 1; }
@media (max-width: 1024px) { .svc-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 560px) { .svc-grid { grid-template-columns: minmax(0, 1fr); } }

/* 보장 체크 */
.check-wrap { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: 50px; align-items: center; }
.check-img { margin-top: 30px; width: 100%; aspect-ratio: 16 / 10; object-fit: cover; border-radius: var(--r); }
.checker { padding: 28px; border-radius: 24px; background: #fff; box-shadow: var(--shadow); }
.ck-list { display: grid; gap: 8px; }
.ck-list label { display: flex; align-items: center; gap: 14px; padding: 14px 16px; border-radius: 14px; border: 1px solid var(--line); cursor: pointer; font-weight: 600; color: var(--ink); transition: border-color .15s, background .15s; }
.ck-list input { position: absolute; opacity: 0; pointer-events: none; }
.ck-box { display: grid; place-items: center; width: 26px; height: 26px; flex: none; border-radius: 8px; border: 2px solid var(--line); color: transparent; transition: all .15s; }
.ck-box .ico { width: 16px; height: 16px; stroke-width: 3.4; }
.ck-list input:checked + .ck-box { background: var(--primary); border-color: var(--primary); color: #fff; }
.ck-list label:has(input:checked) { border-color: var(--primary); background: color-mix(in srgb, var(--primary) 5%, #fff); }
.ck-list label:has(input:focus-visible) { outline: 3px solid color-mix(in srgb, var(--primary) 45%, transparent); }
.ck-result { display: grid; grid-template-columns: 110px minmax(0, 1fr); gap: 20px; align-items: center; margin: 22px 0; padding: 20px; border-radius: 16px; background: var(--soft); }
.ck-meter { position: relative; width: 110px; height: 110px; }
.ck-meter svg { width: 100%; height: 100%; transform: rotate(-90deg); }
.ck-meter circle { fill: none; stroke-width: 12; }
.ck-meter .trk { stroke: var(--line); }
.ck-meter .bar { stroke: #f04438; stroke-linecap: round; transition: stroke-dashoffset .5s var(--ease), stroke .3s; }
.checker[data-level="mid"] .bar { stroke: #f79009; }
.checker[data-level="good"] .bar { stroke: var(--accent); }
.ck-meter p { position: absolute; inset: 0; display: grid; place-content: center; text-align: center; line-height: 1; }
.ck-meter b { font-size: 34px; font-weight: 900; color: var(--ink); }
.ck-meter small { font-size: 13px; color: var(--muted); }
.ck-title { font-size: 18px; font-weight: 800; color: var(--ink); }
.ck-gaps { display: grid; gap: 4px; margin-top: 6px; font-size: 14px; color: var(--muted); }
.ck-gaps li { position: relative; padding-left: 14px; }
.ck-gaps li::before { content: "!"; position: absolute; left: 0; font-weight: 900; color: #f04438; }
@media (max-width: 900px) { .check-wrap { grid-template-columns: minmax(0, 1fr); gap: 30px; } }
@media (max-width: 480px) { .checker { padding: 18px 14px; } .ck-result { grid-template-columns: minmax(0, 1fr); justify-items: center; text-align: center; } .ck-gaps li { text-align: left; } }

.table-scroll { overflow-x: auto; }
.tbl { font-size: 15px; background: #fff; }
.tbl th, .tbl td { padding: 16px 18px; border-bottom: 1px solid var(--line); text-align: left; white-space: nowrap; }
.tbl thead th { font-size: 13px; font-weight: 700; color: var(--muted); background: var(--soft); }
.tbl tbody th { font-weight: 700; color: var(--ink); }
.rate-tbl .rate { font-weight: 800; color: var(--primary); }
.tbl .gap td { text-align: center; color: var(--muted); padding: 6px; }
@media (max-width: 640px) { .tbl th, .tbl td { padding: 12px 10px; font-size: 14px; } }

.rv { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.rv li { display: flex; flex-direction: column; padding: 28px; border-radius: var(--r); background: #fff; }
.rv em { align-self: flex-start; padding: 3px 10px; border-radius: 8px; background: color-mix(in srgb, var(--primary) 10%, #fff); font-style: normal; font-size: 12px; font-weight: 800; color: var(--primary); }
.rv p { flex: 1; margin: 14px 0; font-size: 16px; color: var(--ink); }
.rv b { font-size: 14px; color: var(--muted); }
@media (max-width: 900px) { .rv { grid-template-columns: minmax(0, 1fr); } }

.cta { padding: 0 var(--gutter) var(--sec-y); }
.sec-soft + .cta { padding-top: var(--sec-y); background: linear-gradient(var(--soft) 50%, #fff 50%); }
.cta-in { display: flex; justify-content: space-between; align-items: center; gap: 30px; flex-wrap: wrap; padding: 50px 56px; border-radius: 28px; background: linear-gradient(120deg, var(--primary), color-mix(in srgb, var(--primary) 60%, var(--accent))); color: rgba(255,255,255,.88); }
.cta-title { margin-bottom: 8px; font-size: clamp(24px, 2.8vw, 34px); font-weight: 900; color: #fff; letter-spacing: -.04em; }
.cta-btns { display: flex; gap: 10px; flex-wrap: wrap; }
@media (max-width: 640px) { .cta-in { padding: 30px 20px; } .cta-btns .btn { flex: 1 1 100%; } }

/* ---------- 서브 ---------- */
.sub-head { padding: 50px 0; background: var(--soft); }
.sub-head-in { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 40px; align-items: center; }
.crumb { display: flex; gap: 6px; margin-bottom: 12px; font-size: 13px; color: var(--muted); }
.crumb li + li::before { content: "›"; margin-right: 6px; }
.sub-title { font-size: clamp(30px, 4vw, 44px); font-weight: 900; letter-spacing: -.05em; color: var(--ink); }
.sub-lead { margin-top: 8px; font-size: 17px; color: var(--muted); max-width: 620px; }
.sub-img { width: 340px; aspect-ratio: 16 / 10; object-fit: cover; border-radius: var(--r); }
@media (max-width: 800px) { .sub-head-in { grid-template-columns: minmax(0, 1fr); gap: 20px; } .sub-img { width: 100%; } .sub-head { padding: 30px 0; } .sub-lead { font-size: 15px; } }

.steps { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px; counter-reset: none; }
.steps li { padding: 28px 24px; border-radius: var(--r); background: var(--soft); }
.steps span { display: grid; place-items: center; width: 38px; height: 38px; border-radius: 12px; background: var(--primary); color: #fff; font-weight: 900; }
.steps b { display: block; margin: 14px 0 6px; font-size: 18px; color: var(--ink); }
.steps p { font-size: 14px; color: var(--muted); }
@media (max-width: 900px) { .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 480px) { .steps { grid-template-columns: minmax(0, 1fr); } }
.tags { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 20px; }
.tags li { padding: 6px 14px; border-radius: 999px; background: #fff; border: 1px solid var(--line); font-size: 14px; font-weight: 600; color: var(--ink); }
.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 56px; align-items: center; }
.r-img { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; border-radius: var(--r); }
@media (max-width: 900px) { .split { grid-template-columns: minmax(0, 1fr); gap: 32px; } }
.checks { display: grid; gap: 10px; margin-top: 22px; }
.checks li { display: flex; gap: 10px; align-items: flex-start; font-weight: 600; color: var(--ink); }
.checks .ico { margin-top: 4px; color: var(--accent); stroke-width: 3; }
.warn { display: flex; gap: 8px; margin-top: 24px; padding: 14px 16px; border-radius: 12px; background: #fff7ed; font-size: 14px; color: #b54708; }
.warn .ico { margin-top: 3px; }
.warn-box { padding: 30px; border-radius: var(--r); background: #fef3f2; color: #912018; }
.warn-box .h3 { color: #b42318; }
.warn-box .h3 .ico { color: #f04438; }
.warn-box b { color: #b42318; }

.loan-cards { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px; }
.loan-cards li { display: flex; flex-direction: column; padding: 26px 22px; border-radius: var(--r); border: 1px solid var(--line); }
.loan-cards b { font-size: 17px; color: var(--ink); }
.lc-rate { margin: 10px 0; font-size: 22px; font-weight: 900; color: var(--primary); letter-spacing: -.02em; }
.loan-cards dl { display: grid; gap: 4px; padding: 12px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); font-size: 14px; }
.loan-cards dl div { display: flex; justify-content: space-between; gap: 10px; }
.loan-cards dt { color: var(--muted); }
.loan-cards dd { font-weight: 600; color: var(--ink); text-align: right; }
.lc-note { flex: 1; margin: 12px 0 16px; font-size: 13px; color: var(--muted); }
@media (max-width: 1024px) { .loan-cards { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 560px) { .loan-cards { grid-template-columns: minmax(0, 1fr); } }

/* 계산기 공통 */
.calc-grid { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, 1fr); gap: 28px; align-items: start; }
.calc { padding: 32px; border-radius: 24px; background: #fff; border: 1px solid var(--line); }
.sec-soft .calc { border-color: transparent; }
.fld { display: block; margin-bottom: 16px; }
.fld > span { display: block; margin-bottom: 6px; font-size: 14px; font-weight: 700; color: var(--ink); }
.fld input, .fld select, .fld textarea { width: 100%; height: 54px; padding: 0 16px; border: 1px solid var(--line); border-radius: 12px; background: var(--soft); font-size: 17px; font-weight: 600; color: var(--ink); }
.fld textarea { height: auto; padding: 14px 16px; resize: vertical; font-size: 16px; font-weight: 400; }
.fld input:focus, .fld select:focus, .fld textarea:focus { outline: none; border-color: var(--primary); background: #fff; box-shadow: 0 0 0 4px color-mix(in srgb, var(--primary) 12%, transparent); }
.row3 { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 0 12px; }
.row2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 12px; }
.calc legend, .fieldset legend { margin-bottom: 8px; font-size: 14px; font-weight: 700; color: var(--ink); }
.fieldset { margin-bottom: 18px; }
.fieldset em { color: var(--primary); font-style: normal; }
.seg { display: grid; grid-auto-flow: column; grid-auto-columns: 1fr; gap: 4px; padding: 4px; border-radius: 14px; background: var(--soft); }
.seg label { position: relative; cursor: pointer; }
.seg input { position: absolute; opacity: 0; pointer-events: none; }
.seg span { display: grid; place-items: center; height: 46px; padding: 0 8px; border-radius: 10px; font-weight: 700; color: var(--muted); text-align: center; line-height: 1.2; transition: all .15s; }
.seg input:checked + span { background: #fff; color: var(--primary); box-shadow: 0 2px 8px rgba(16,24,40,.08); }
.seg input:focus-visible + span { outline: 3px solid color-mix(in srgb, var(--primary) 45%, transparent); }
.seg-wrap { grid-auto-flow: row; grid-template-columns: repeat(4, minmax(0, 1fr)); }
.rng { margin-bottom: 22px; }
.rng label { display: block; margin-bottom: 6px; font-weight: 700; color: var(--ink); }
.rng output { font-size: 20px; font-weight: 900; color: var(--primary); margin: 0 2px 0 6px; }
input[type="range"] { width: 100%; accent-color: var(--primary); height: 28px; }
.calc-out { position: sticky; top: calc(var(--hd-h) + 20px); padding: 30px; border-radius: 24px; background: var(--ink); color: rgba(255,255,255,.7); }
.co-label { font-weight: 700; }
.co-big { margin: 4px 0 18px; font-size: 18px; color: #fff; }
.co-big strong { font-size: 42px; font-weight: 900; color: #fff; letter-spacing: -.03em; font-variant-numeric: tabular-nums; }
.calc-out dl { display: grid; gap: 8px; padding: 16px 0; border-top: 1px solid rgba(255,255,255,.12); border-bottom: 1px solid rgba(255,255,255,.12); font-size: 14px; }
.calc-out dl div { display: flex; justify-content: space-between; gap: 12px; }
.calc-out dd { font-weight: 700; color: #fff; text-align: right; }
.co-note { margin: 14px 0 18px; font-size: 12px; color: rgba(255,255,255,.5); }
.compare { margin: 16px 0 20px; font-size: 13px; }
.compare > p { margin-bottom: 8px; }
.cmp { display: grid; grid-template-columns: 74px minmax(0, 1fr) auto; gap: 10px; align-items: center; margin-bottom: 6px; }
.cmp i { height: 8px; border-radius: 4px; background: rgba(255,255,255,.2); }
.cmp.on i { background: var(--accent); }
.cmp.on span, .cmp.on b { color: #fff; }
.cmp b { font-weight: 600; white-space: nowrap; }
@media (max-width: 960px) { .calc-grid { grid-template-columns: minmax(0, 1fr); } .calc-out { position: static; } }
@media (max-width: 560px) { .calc { padding: 20px 14px; } .row3, .row2 { grid-template-columns: minmax(0, 1fr); } .calc-out { padding: 24px 18px; } .co-big strong { font-size: 34px; } .seg-wrap { grid-template-columns: repeat(2, minmax(0, 1fr)); } }

.planners { display: grid; grid-template-columns: repeat(2, minmax(0, 260px)); justify-content: center; gap: 24px; }
.planners img { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; border-radius: var(--r); }
.planners b { display: block; margin-top: 14px; font-size: 19px; color: var(--ink); }
.planners span { font-size: 14px; color: var(--muted); }
@media (max-width: 560px) { .planners { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; } }
.protect { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px; }
.protect li { padding: 26px 22px; border-radius: var(--r); background: #fff; }
.protect .ico { width: 30px; height: 30px; color: var(--primary); }
.protect b { display: block; margin: 12px 0 6px; font-size: 17px; color: var(--ink); }
.protect p { font-size: 14px; color: var(--muted); }
@media (max-width: 1024px) { .protect { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 560px) { .protect { grid-template-columns: minmax(0, 1fr); } }

/* 상담 신청 */
.form-wrap { display: grid; grid-template-columns: minmax(0, 1.5fr) minmax(0, 1fr); gap: 30px; align-items: start; }
.form { padding: 34px; border-radius: 24px; border: 1px solid var(--line); }
.pre { margin-bottom: 20px; padding: 14px 18px; border-radius: 12px; background: color-mix(in srgb, var(--accent) 12%, #fff); font-weight: 700; color: var(--ink); }
.is-invalid { border-color: #f04438 !important; }
.agree { display: flex; gap: 8px; align-items: flex-start; margin-bottom: 8px; font-size: 14px; }
.agree input { margin-top: 5px; accent-color: var(--primary); }
.agree a { color: var(--primary); text-decoration: underline; }
.agree:has(.is-invalid) { color: #f04438; }
.form-msg { min-height: 1.5em; margin: 12px 0; font-size: 14px; font-weight: 700; color: #f04438; }
.form-msg.is-ok { color: var(--accent); }
.side { position: sticky; top: calc(var(--hd-h) + 20px); border-radius: 24px; overflow: hidden; background: var(--soft); }
.side img { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; object-position: center 20%; }
.side-in { padding: 24px; }
.side-tel { display: block; font-size: 30px; font-weight: 900; color: var(--primary); }
@media (max-width: 900px) { .form-wrap { grid-template-columns: minmax(0, 1fr); } .side { position: static; } }
@media (max-width: 560px) { .form { padding: 22px 14px; } }

.policy h2 { margin: 30px 0 10px; font-size: 19px; color: var(--ink); }
.policy-date { margin-top: 30px; color: var(--muted); }
.wrap-narrow { max-width: calc(860px + var(--gutter) * 2); }

/* ---------- 푸터 ---------- */
.ft { padding: 50px 0 36px; background: var(--soft); border-top: 1px solid var(--line); font-size: 13px; color: var(--muted); }
.ft-notice { padding: 22px 24px; border-radius: 16px; background: #fff; border: 1px solid var(--line); }
.ft-h { display: flex; align-items: center; gap: 6px; margin-bottom: 8px; font-size: 14px; font-weight: 800; color: var(--ink); }
.ft-notice ul { display: grid; gap: 4px; }
.ft-notice li { position: relative; padding-left: 12px; line-height: 1.6; }
.ft-notice li::before { content: "·"; position: absolute; left: 0; }
.ft-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 30px; padding: 34px 0 24px; }
.ft-logo { font-size: 20px; font-weight: 900; color: var(--ink); }
.ft-tel { display: block; font-size: 26px; font-weight: 900; color: var(--primary); }
.ft-menu { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 6px 20px; align-content: start; }
.ft-menu a:hover, .ft-menu b { color: var(--ink); }
.ft-info { padding-top: 20px; border-top: 1px solid var(--line); line-height: 1.95; }
.ft-info span + span::before { content: "|"; margin: 0 8px; opacity: .4; }
.ft-review { font-weight: 700; color: var(--ink); }
.copy { margin-top: 10px; font-size: 12px; }
@media (max-width: 800px) { .ft-grid { grid-template-columns: minmax(0, 1fr); } }

.m-bar { display: none; }
@media (max-width: 1024px) {
  .m-bar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 90; display: grid; grid-template-columns: 1fr 1fr 1.4fr; gap: 6px; padding: 8px 10px calc(8px + env(safe-area-inset-bottom)); background: #fff; border-top: 1px solid var(--line); }
  .m-bar a { display: flex; align-items: center; justify-content: center; gap: 6px; height: 46px; border-radius: 12px; background: var(--soft); font-size: 14px; font-weight: 700; color: var(--ink); }
  .m-bar .ico { width: 20px; height: 20px; }
  .m-bar-em { background: var(--primary) !important; color: #fff !important; }
  body { padding-bottom: 70px; }
}
@media (max-width: 380px) { .m-bar a span { font-size: 12px; } }