:root {
  --color-teal: #009178;
  --color-teal-dark: #06633e;
  --color-cta: #087b4c;
  --color-hero-start: #0cab66;
  --color-hero-end: rgba(12, 171, 102, 0.45);
  --color-muted-bg: #f9f9fb;
  --color-text: #111;
  --color-text-muted: #818792;
  --color-text-nav: #6f7483;
  --color-border: #e4e4e7;
  --color-card-border: #ddd;
  --color-footer: #111;
  --color-footer-text: #ddd;
  --color-risk: #f24949;
  --header-h: 72px;
  --header-h-mobile: 68px;
  --radius-card: 42px;
  --radius-btn: 50px;
  --shadow-card: 4px 4px 12px rgba(0, 0, 0, 0.18);
  --shadow-btn: 0 4px 4px rgba(0, 0, 0, 0.25);
  --max-w: 1200px;
  --step-badge: #009178;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Pretendard", -apple-system, BlinkMacSystemFont, system-ui, sans-serif;
  color: var(--color-text);
  background: #fff;
  line-height: 1.5;
}

.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* ——— Header ——— */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  height: var(--header-h);
  background: rgba(255, 255, 255, 0.7);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  border-bottom: 1.5px solid var(--color-card-border);
}

.site-header__inner {
  max-width: 1440px;
  margin: 0 auto;
  padding: 0 24px;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.site-header__brand {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  color: inherit;
}

.site-header__mark {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  background: linear-gradient(135deg, var(--color-teal), var(--color-teal-dark));
  flex-shrink: 0;
}

.site-header__logotype {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
}

.site-header__title {
  font-size: 15px;
  font-weight: 700;
}

.site-header__sub {
  font-size: 10px;
  color: var(--color-text-nav);
  font-weight: 500;
}

.site-header__nav {
  display: flex;
  align-items: center;
  gap: 20px;
}

.link-like {
  background: none;
  border: 0;
  padding: 0;
  font: inherit;
  font-weight: 700;
  font-size: clamp(14px, 1.35vw, 18px);
  color: var(--color-text-nav);
  cursor: pointer;
  text-decoration: underline;
  text-underline-offset: 4px;
}

.link-like:hover {
  color: var(--color-teal-dark);
}

.btn {
  border: 0;
  cursor: pointer;
  font-family: inherit;
  border-radius: var(--radius-btn);
  font-weight: 600;
  transition: opacity 0.2s, transform 0.15s;
}

.btn:hover {
  opacity: 0.94;
}

.btn:active {
  transform: scale(0.98);
}

.btn--header {
  background: var(--color-teal-dark);
  color: #fff;
  padding: 14px 22px;
  font-size: clamp(13px, 1.2vw, 16px);
  white-space: nowrap;
}

.btn--hero {
  background: var(--color-cta);
  color: #fff;
  padding: 22px 42px;
  font-size: clamp(16px, 2vw, 20px);
  box-shadow: var(--shadow-btn);
}

/* ——— Hero ——— */
.hero {
  padding-top: var(--header-h);
  min-height: min(100vh, 920px);
  background: linear-gradient(90deg, var(--color-hero-start), var(--color-hero-end));
  display: flex;
  align-items: center;
}

.hero__inner {
  max-width: 1440px;
  margin: 0 auto;
  padding: 48px 24px 64px;
  width: 100%;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
}

.hero__eyebrow {
  margin: 0 0 12px;
  font-size: clamp(18px, 2vw, 28px);
  font-weight: 700;
  color: var(--color-text-nav);
}

.hero__title {
  margin: 0 0 24px;
  font-size: clamp(36px, 6vw, 90px);
  font-weight: 700;
  color: #fff;
  line-height: 1.12;
  display: flex;
  flex-direction: column;
  gap: 0.15em;
}

.hero__lead {
  margin: 0 0 32px;
  font-size: clamp(18px, 2.2vw, 28px);
  font-weight: 700;
  color: var(--color-teal-dark);
}

.hero__visual {
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero__img {
  display: block;
  width: 100%;
  max-width: min(100%, 540px);
  height: auto;
  max-height: min(52vh, 520px);
  object-fit: contain;
}

/* ——— Sections ——— */
.section {
  padding: 80px 0;
}

.section--muted {
  background: var(--color-muted-bg);
}

.section--steps {
  background: #fff;
  scroll-margin-top: calc(var(--header-h) + 16px);
}

.section--teal {
  background: var(--color-teal);
  padding: 100px 0 80px;
}

.section--closing {
  background: var(--color-muted-bg);
  padding: 100px 0;
  text-align: center;
}

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

.container--narrow {
  max-width: 1100px;
}

.container--cta {
  max-width: 900px;
}

.section__title {
  margin: 0 0 40px;
  font-size: clamp(32px, 5vw, 64px);
  font-weight: 700;
}

.section__title--lg {
  font-size: clamp(28px, 4vw, 56px);
}

.section__title--on-teal {
  color: #fff;
  margin-bottom: 20px;
}

/* ——— Cards ——— */
.card-grid {
  display: grid;
  gap: 24px;
}

.card-grid--3 {
  grid-template-columns: repeat(3, 1fr);
}

.card-grid--4 {
  grid-template-columns: repeat(4, 1fr);
  margin-top: 64px;
}

.card {
  background: #fff;
  border: 1.5px solid var(--color-card-border);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  padding: 32px 28px;
  text-align: center;
}

.card--problem {
  min-height: 280px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: flex-end;
}

.card--feature {
  min-height: 260px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: flex-end;
}

.card__icon {
  width: 88px;
  height: 88px;
  margin-bottom: 20px;
  border-radius: 50%;
  background: var(--color-muted-bg);
}

.card__icon--gold {
  background: linear-gradient(145deg, #f5e6c8, #d4af37);
}

.card__icon--alert {
  background: linear-gradient(145deg, #ffe4e4, #f5a5a5);
}

.card__icon--think {
  background: linear-gradient(145deg, #e8e8ff, #c5c5f0);
}

.card__icon--profit {
  background: linear-gradient(145deg, #e8f5e9, #81c784);
}

.card__icon--bar {
  background: linear-gradient(145deg, #fff8e1, #ffc107);
}

.card__icon--safe {
  background: linear-gradient(145deg, #e3f2fd, #64b5f6);
}

.card__icon--stock {
  background: linear-gradient(145deg, #f3e5f5, #ba68c8);
}

.card__headline {
  margin: 0 0 12px;
  font-size: clamp(18px, 2vw, 24px);
  font-weight: 700;
}

.card__text {
  margin: 0;
  color: var(--color-text-muted);
  font-weight: 600;
  font-size: clamp(14px, 1.5vw, 18px);
}

.hook__promo {
  text-align: center;
  margin: 80px 0 0;
}

.hook__brand {
  margin: 0 0 24px;
  font-size: clamp(36px, 5vw, 72px);
  font-weight: 800;
  color: var(--color-teal-dark);
}

.hook__lines {
  display: flex;
  flex-direction: column;
  gap: 16px;
  font-size: clamp(18px, 2.5vw, 40px);
  font-weight: 700;
}

.hook__lines span {
  display: block;
}

/* ——— Steps ——— */
.steps {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 72px;
}

.steps__item {
  display: grid;
  grid-template-columns: minmax(200px, 280px) 1fr;
  gap: 40px;
  align-items: center;
}

.steps__item--reverse {
  direction: rtl;
}

.steps__item--reverse > * {
  direction: ltr;
}

.steps__media {
  min-height: 200px;
  border-radius: 20px;
  background: linear-gradient(135deg, #f0f0f0, #e0e0e0);
}

.steps__title {
  margin: 0 0 16px;
  font-size: clamp(26px, 3.5vw, 40px);
  font-weight: 700;
  line-height: 1.25;
}

.steps__badge {
  color: var(--step-badge);
}

.steps__desc {
  margin: 0;
  font-size: clamp(18px, 2.2vw, 28px);
  color: #333;
}

/* ——— Product detail ——— */
.product-detail__intro {
  color: #f9f9fb;
  font-size: clamp(15px, 1.5vw, 18px);
  font-weight: 500;
  max-width: 900px;
}

.product-detail__intro p {
  margin: 0 0 12px;
}

.diagram {
  margin: 48px 0 56px;
  min-height: 280px;
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.12);
  display: flex;
  align-items: center;
  justify-content: center;
}

.diagram__placeholder {
  margin: 0;
  color: rgba(255, 255, 255, 0.65);
  font-size: 15px;
}

.table-wrap {
  overflow-x: visible;
  margin-bottom: 40px;
  border-radius: 12px;
  box-shadow: var(--shadow-btn);
  background: #fff;
  border: 1px solid var(--color-border);
}

.spec-table {
  width: 100%;
  min-width: 0;
  border-collapse: collapse;
  background: #fff;
  font-size: 15px;
  display: block;
}

.spec-table__tbody {
  display: block;
}

.spec-table__tbody tr {
  display: grid;
  grid-template-columns: minmax(92px, 34%) 1fr;
  align-items: stretch;
  border-bottom: 1px solid var(--color-border);
}

.spec-table__tbody tr:first-child {
  border-top: 1px solid var(--color-border);
}

.spec-table th,
.spec-table td {
  padding: 14px 12px;
  vertical-align: middle;
  line-height: 1.45;
  color: #3f3f46;
}

.spec-table__tbody th {
  font-weight: 600;
  text-align: left;
  background: #fafafa;
  border-right: 1px solid var(--color-border);
}

.spec-table__tbody td {
  text-align: left;
  background: #fff;
}

.spec-table__note,
.spec-table__sub {
  display: block;
  margin-top: 6px;
  font-size: 13px;
  color: #52525b;
}

@media (min-width: 768px) {
  .spec-table__tbody {
    display: grid;
    grid-template-columns: minmax(120px, 200px) 1fr minmax(120px, 200px) 1fr;
  }

  .spec-table__tbody tr {
    display: contents;
  }

  .spec-table__tbody > th,
  .spec-table__tbody > td {
    border-top: 1px solid var(--color-border);
    border-left: 1px solid var(--color-border);
    padding: 16px 14px;
    text-align: center;
    background: #fff;
  }

  .spec-table__tbody > *:nth-child(4n) {
    border-right: 1px solid var(--color-border);
  }

  .spec-table__tbody > *:nth-child(n + 17) {
    border-bottom: 1px solid var(--color-border);
  }

  .spec-table__tbody th {
    font-weight: 600;
  }
}

/* ——— Accordion ——— */
.accordion {
  background: #fff;
  border-radius: 10px;
  box-shadow: var(--shadow-btn);
  overflow: hidden;
  margin-bottom: 48px;
}

.accordion__item + .accordion__item {
  border-top: 1px solid var(--color-border);
}

.accordion__summary {
  list-style: none;
  cursor: pointer;
  padding: 20px 48px 20px 24px;
  font-size: 18px;
  font-weight: 600;
  position: relative;
}

.accordion__summary::-webkit-details-marker {
  display: none;
}

.accordion__summary::after {
  content: "";
  position: absolute;
  right: 24px;
  top: 50%;
  width: 10px;
  height: 10px;
  border-right: 2px solid #888;
  border-bottom: 2px solid #888;
  transform: translateY(-70%) rotate(45deg);
  transition: transform 0.2s;
}

.accordion__item[open] .accordion__summary::after {
  transform: translateY(-30%) rotate(225deg);
}

.accordion__panel {
  padding: 0 24px 24px;
  color: #3f3f46;
  font-size: 15px;
  line-height: 1.6;
}

.accordion__panel p {
  margin: 0 0 12px;
}

.accordion__block {
  margin-top: 16px;
}

.accordion__subhead {
  margin: 0 0 8px;
  font-size: 16px;
  font-weight: 600;
  color: #111;
}

.accordion__dl {
  margin: 0;
}

.accordion__dl > div {
  margin-bottom: 14px;
}

.accordion__dl dt {
  font-weight: 600;
  margin-bottom: 4px;
  color: #111;
}

.accordion__dl dd {
  margin: 0;
  font-size: 14px;
}

/* ——— Notices ——— */
.notices__title {
  margin: 0 0 16px;
  color: #fff;
  font-size: 18px;
  font-weight: 500;
}

.notices__list {
  margin: 0;
  padding-left: 22px;
  color: #fff;
  font-size: 15px;
}

.notices__list li {
  margin-bottom: 10px;
}

.notices__list--risk {
  color: var(--color-risk);
}

/* ——— Closing ——— */
.closing__title {
  margin: 0 0 20px;
  font-size: clamp(28px, 5vw, 56px);
  font-weight: 800;
}

.closing__sub {
  margin: 0 0 40px;
  font-size: clamp(16px, 2vw, 22px);
  color: var(--color-text-muted);
}

/* ——— Footer ——— */
.site-footer {
  background: var(--color-footer);
  color: var(--color-footer-text);
  padding: 48px 0 32px;
  font-size: 14px;
}

.site-footer a {
  color: var(--color-footer-text);
  font-weight: 600;
  text-decoration: none;
}

.site-footer a:hover {
  text-decoration: underline;
}

.site-footer__policy {
  background: none;
  border: 0;
  padding: 0;
  margin: 0;
  font: inherit;
  font-weight: 600;
  color: var(--color-footer-text);
  cursor: pointer;
  text-decoration: none;
}

.site-footer__policy:hover {
  text-decoration: underline;
}

.site-footer__top {
  display: flex;
  flex-wrap: wrap;
  gap: 16px 32px;
  align-items: center;
  margin-bottom: 24px;
}

.site-footer__contact strong {
  color: #a0a0a0;
  margin-right: 8px;
}

.site-footer__rule {
  border: 0;
  border-top: 1px solid #333;
  margin: 0 0 24px;
}

.site-footer__corp p {
  margin: 0 0 8px;
  color: #bfbfbf;
  line-height: 1.5;
}

.site-footer__name {
  font-weight: 600;
  color: var(--color-footer-text);
}

.site-footer__copy {
  margin: 32px 0 0;
  font-size: 13px;
  color: #bfbfbf;
}

/* ——— Modal ——— */
.modal[hidden] {
  display: none !important;
}

.modal:not([hidden]) {
  display: block;
  position: fixed;
  inset: 0;
  z-index: 200;
}

.modal__backdrop {
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, 0.55);
}

.modal__dialog {
  position: absolute;
  left: 50%;
  top: 50%;
  transform: translate(-50%, -50%);
  width: min(100vw - 32px, 420px);
  max-height: calc(100vh - 48px);
  display: flex;
  flex-direction: column;
  align-items: stretch;
}

.modal__close {
  position: absolute;
  top: -44px;
  right: 0;
  width: 40px;
  height: 40px;
  border: 0;
  background: transparent;
  color: #fff;
  font-size: 36px;
  line-height: 1;
  cursor: pointer;
  border-radius: 8px;
}

.modal__close:hover {
  opacity: 0.85;
}

.modal__frame {
  background: #fff;
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 16px 48px rgba(0, 0, 0, 0.35);
}

.modal__iframe {
  display: block;
  border: 0;
  width: 100%;
  height: 600px;
  max-height: min(600px, calc(100vh - 100px));
}

.modal__frame--bank {
  display: flex;
  flex-direction: column;
  padding: 0;
}

.modal__frame--bank .modal__iframe {
  flex-shrink: 0;
  max-height: min(600px, calc(100vh - 180px));
}

/* 문서형 모달 (개인정보처리방침 등) — 은행 모달과 동일 외곽 + 본문 스크롤 + 하단 닫기 */
.modal__frame--document {
  display: flex;
  flex-direction: column;
  max-height: min(90vh, 880px);
  padding: 0;
}

.modal__frame--document .form_wrap {
  position: relative;
  box-sizing: border-box;
  display: flex;
  flex-direction: column;
  flex: 1;
  min-height: 0;
  padding: 0 24px;
}

.modal__frame--document .form_wrap__title {
  flex-shrink: 0;
  margin: 0;
  padding: 28px 0 16px;
  border-bottom: 1px solid #dfe1e2;
  font-size: 24px;
  font-weight: 700;
  color: #333;
  text-align: center;
}

.modal__frame--document .con_tt {
  box-sizing: border-box;
  flex: 1;
  min-height: 0;
  max-height: min(500px, calc(100vh - 280px));
  padding: 16px 0 20px;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
  font-size: 13px;
  line-height: 1.6;
  color: #666;
}

.modal__frame--document .con_tt table {
  width: 95% !important;
  max-width: 100%;
  margin: 12px 0;
  border-collapse: collapse;
  font-size: 13px;
  color: #666;
}

.modal__frame--document .con_tt table th,
.modal__frame--document .con_tt table td {
  border: 1px solid #dfe1e2;
  padding: 8px 10px;
  vertical-align: top;
}

.modal__frame--document .con_tt a {
  color: var(--color-teal-dark);
  text-decoration: underline;
  word-break: break-all;
}

.modal__document-footer {
  flex-shrink: 0;
  display: flex;
  justify-content: center;
  padding: 16px 0 24px;
  border-top: 1px solid #eee;
}

.modal__btn-text-close {
  min-width: 160px;
  padding: 14px 48px;
  border: 0;
  border-radius: 4px;
  font-family: inherit;
  font-size: 16px;
  font-weight: 600;
  color: #fff;
  background: #1e3a5f;
  cursor: pointer;
}

.modal__btn-text-close:hover {
  opacity: 0.92;
}

@media (min-width: 480px) {
  .modal__dialog {
    width: min(100vw - 48px, 480px);
  }
}

@media (min-width: 768px) {
  .modal__dialog {
    width: min(100vw - 64px, 960px);
  }
}

/* ——— Mobile ——— */
@media (max-width: 1024px) {
  .card-grid--3 {
    grid-template-columns: 1fr;
    max-width: 400px;
    margin-left: auto;
    margin-right: auto;
  }

  .card-grid--4 {
    grid-template-columns: repeat(2, 1fr);
  }

  .steps__item,
  .steps__item--reverse {
    grid-template-columns: 1fr;
    direction: ltr;
  }

  .steps__media {
    max-width: 280px;
    margin: 0 auto;
  }
}

@media (max-width: 767px) {
  :root {
    --header-h: var(--header-h-mobile);
  }

  .site-header__sub {
    display: none;
  }

  .site-header__nav {
    flex-shrink: 0;
    gap: 10px;
  }

  .btn--header {
    padding: 10px 12px;
    font-size: 11px;
  }

  .link-like {
    font-size: 11px;
    white-space: nowrap;
  }

  .hero__inner {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .hero__copy {
    order: 1;
  }

  .hero__visual {
    order: 0;
  }

  .hero__title {
    align-items: center;
  }

  .hero__lead {
    font-size: 16px;
  }

  .hero {
    background: linear-gradient(180deg, var(--color-hero-start), var(--color-hero-end));
  }

  .card-grid--4 {
    grid-template-columns: 1fr 1fr;
    gap: 12px;
  }

  .card--feature {
    min-height: 200px;
    padding: 20px 12px;
  }

  .card__icon {
    width: 56px;
    height: 56px;
  }

  .spec-table {
    font-size: 13px;
  }

  .spec-table th,
  .spec-table td {
    padding: 10px 8px;
  }
}

@media (max-width: 480px) {
  .site-header__inner {
    padding: 0 16px;
  }

  .site-header__nav {
    width: auto;
  }

  .modal__iframe {
    height: 520px;
    max-height: calc(100vh - 88px);
  }

  .modal__frame--bank .modal__iframe {
    max-height: min(520px, calc(100vh - 200px));
  }

  .modal__frame--document .con_tt {
    max-height: min(420px, calc(100vh - 260px));
  }

  .modal__btn-text-close {
    width: 100%;
    max-width: 100%;
  }
}