/* ARC GROUP — 시안 A (딥 네이비 임팩트) 공용 스타일 */
:root{
  --navy:#011D45; --navy-deep:#001030; --navy-800:#0A2A5C; --navy-700:#12386F;
  --blue:#377CF7; --blue-light:#6EA8FF; --blue-pale:#EBEEF7;
  --bg-light:#F4F6FA; --white:#FFFFFF; --ink:#1A2433; --ink-soft:#5A6B85;
  --red:#FF5A5F; --line:#DFE6F2; --gold:#F5B84C;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:"Pretendard Variable",Pretendard,-apple-system,BlinkMacSystemFont,"Malgun Gothic",sans-serif;color:var(--ink);background:var(--white);line-height:1.6;word-break:keep-all}
img{max-width:100%;display:block}
a{text-decoration:none;color:inherit}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
.eyebrow{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.18em;color:var(--blue);text-transform:uppercase;margin-bottom:14px}
.sec-title{font-size:clamp(26px,3.6vw,40px);font-weight:800;line-height:1.3;letter-spacing:-.02em}
.sec-sub{margin-top:14px;color:var(--ink-soft);font-size:clamp(15px,1.6vw,17px)}
.note{font-size:12px;color:#66788F;margin-top:18px}
.center{text-align:center}
.btn{display:inline-flex;align-items:center;gap:8px;font-weight:700;border-radius:999px;padding:16px 32px;font-size:16px;transition:.25s;cursor:pointer;border:none}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:#2565DB;transform:translateY(-2px);box-shadow:0 10px 24px rgba(55,124,247,.35)}
.btn-ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.45)}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-800);transform:translateY(-2px)}
.rv{opacity:0;transform:translateY(28px);transition:opacity .7s ease,transform .7s ease}
.rv.in{opacity:1;transform:none}
.rv-d1{transition-delay:.12s}.rv-d2{transition-delay:.24s}.rv-d3{transition-delay:.36s}

/* header */
header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.92);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.nav .logo img{height:30px}
.nav ul{display:flex;gap:26px;list-style:none}
.nav ul a{font-size:14.5px;font-weight:600;color:var(--ink);transition:.2s;padding:6px 0;border-bottom:2px solid transparent}
.nav ul a:hover{color:var(--blue)}
.nav ul a.on{color:var(--blue);border-color:var(--blue)}
.nav .cta{display:flex;align-items:center;gap:12px}
.nav .tel{font-weight:800;color:var(--navy);font-size:15.5px;letter-spacing:.02em}
.nav .btn{padding:10px 20px;font-size:13.5px}
.hamb{display:none;background:none;border:none;cursor:pointer;padding:8px}
.hamb span{display:block;width:22px;height:2px;background:var(--navy);margin:5px 0}
.m-nav{display:none;background:#fff;border-bottom:1px solid var(--line);padding:10px 24px 18px}
.m-nav a{display:block;padding:11px 4px;font-size:15px;font-weight:600;border-bottom:1px solid var(--line)}
.m-nav a:last-child{border:none}
.m-nav.open{display:block}

/* page hero (서브페이지 공통) */
.phero{position:relative;background:var(--navy-deep);color:#fff;overflow:hidden;text-align:center;padding:96px 24px 110px}
.phero::before{content:"";position:absolute;inset:0;background:
  radial-gradient(ellipse 800px 440px at 78% 12%, rgba(55,124,247,.26), transparent 60%),
  radial-gradient(ellipse 600px 380px at 12% 90%, rgba(55,124,247,.14), transparent 60%)}
.phero::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.03) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.03) 1px,transparent 1px);background-size:64px 64px;mask-image:radial-gradient(ellipse 80% 70% at 50% 40%,#000 40%,transparent 100%)}
.phero > *{position:relative;z-index:2}
.phero .crumb{display:inline-block;border:1px solid rgba(255,255,255,.25);background:rgba(255,255,255,.06);border-radius:999px;padding:7px 18px;font-size:13.5px;font-weight:600;color:#CFE0FF;margin-bottom:24px}
.phero h1{font-size:clamp(30px,4.4vw,48px);font-weight:800;line-height:1.28;letter-spacing:-.02em}
.phero h1 .hl{color:var(--blue-light)}
.phero .desc{margin-top:18px;font-size:clamp(15px,1.7vw,17.5px);color:#B9C8E4}
.phero .ctas{display:flex;justify-content:center;gap:12px;margin-top:36px;flex-wrap:wrap}

/* 공용 섹션 배경 */
.sec{padding:100px 0}
.sec-light{background:var(--bg-light)}
.sec-navy{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.sec-navy::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 700px 380px at 80% 0%,rgba(55,124,247,.22),transparent 60%)}
.sec-navy .wrap{position:relative}
.sec-navy .sec-sub{color:#A9BDE0}
.sec-head{text-align:center;margin-bottom:56px}

/* 카드 그리드 */
.grid{display:grid;gap:18px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px 26px;transition:.3s}
.card:hover{border-color:var(--blue);box-shadow:0 14px 34px rgba(1,29,69,.1);transform:translateY(-3px)}
.card .k{font-size:12px;font-weight:800;color:var(--blue);letter-spacing:.08em}
.card h3{font-size:18px;font-weight:800;color:var(--navy);margin-top:6px}
.card h3 small{display:block;font-size:13px;font-weight:600;color:var(--blue);margin-top:3px}
.card p{font-size:14px;color:var(--ink-soft);margin-top:9px}
.card ul{list-style:none;margin-top:14px;display:flex;flex-direction:column;gap:7px}
.card ul li{font-size:13.5px;color:var(--ink);padding-left:20px;position:relative}
.card ul li::before{content:"✓";position:absolute;left:0;color:var(--blue);font-weight:800}
.card .one-line{margin-top:16px;padding-top:14px;border-top:1px solid var(--line);font-size:13.5px;font-weight:700;color:var(--navy)}
.card .tag{display:inline-block;font-size:11.5px;font-weight:800;color:var(--navy-700);background:var(--blue-pale);border-radius:6px;padding:4px 10px;margin-bottom:12px}
.icon-sq{width:52px;height:52px;border-radius:14px;background:var(--blue-pale);display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.icon-sq svg{width:26px;height:26px;stroke:var(--blue);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}

/* 수직 플로우 (왜 정책자금 4단계) */
.vflow{max-width:760px;margin:0 auto;display:flex;flex-direction:column;align-items:stretch;gap:0}
.vflow .vcard{background:#fff;border:1px solid var(--line);border-radius:20px;padding:36px 32px;text-align:center;box-shadow:0 8px 24px rgba(1,29,69,.05)}
.vflow .vcard .num{width:30px;height:30px;border-radius:50%;background:var(--blue-pale);color:var(--blue);font-weight:800;font-size:14px;display:inline-flex;align-items:center;justify-content:center;margin-bottom:12px}
.vflow .vcard.warn .num{background:#FDECEC;color:var(--red)}
.vflow .vcard h3{font-size:clamp(17px,2.2vw,21px);font-weight:800;color:var(--navy)}
.vflow .vcard.warn h3{color:var(--red)}
.vflow .vcard p{font-size:14.5px;color:var(--ink-soft);margin-top:8px}
.vflow .vcard .checks{display:flex;justify-content:center;gap:20px;margin-top:14px;flex-wrap:wrap}
.vflow .vcard .checks span{font-size:15px;font-weight:700;color:var(--navy)}
.vflow .vcard .checks span::before{content:"✓ ";color:var(--blue)}
.vflow .varrow{text-align:center;color:var(--blue);font-size:22px;font-weight:800;padding:10px 0}
.vflow .vfinal{background:var(--navy);color:#fff;border-radius:20px;padding:44px 32px;text-align:center}
.vflow .vfinal h3{font-size:clamp(18px,2.4vw,24px);font-weight:800;line-height:1.4}
.vflow .vfinal h3 .hl{color:var(--blue-light)}
.vflow .vfinal .btn{margin-top:22px}

/* 스토리 (부결/금리) */
.story{background:#12080A;color:#fff;padding:110px 0;position:relative;overflow:hidden}
.story::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 700px 400px at 85% 15%,rgba(255,90,95,.12),transparent 60%),radial-gradient(ellipse 600px 400px at 10% 90%,rgba(255,90,95,.07),transparent 60%)}
.story .wrap{position:relative;max-width:820px;text-align:center}
.story h2{font-size:clamp(24px,3.2vw,36px);font-weight:800;line-height:1.35}
.story .lead{margin-top:16px;color:#C9B8BB;font-size:16px}
.story .lead .hl-r{color:#FF8A8E;font-weight:700}
.stamp{display:inline-block;margin:36px auto 10px;border:3px solid var(--red);color:var(--red);font-size:26px;font-weight:900;letter-spacing:.3em;padding:10px 26px;border-radius:10px;transform:rotate(-6deg);text-shadow:0 0 18px rgba(255,90,95,.6);box-shadow:0 0 24px rgba(255,90,95,.25),inset 0 0 18px rgba(255,90,95,.15)}
.ladder{margin:44px auto 0;max-width:520px;display:flex;flex-direction:column;gap:10px}
.ladder .rung{display:flex;justify-content:space-between;align-items:center;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:12px;padding:14px 22px;font-size:15.5px;font-weight:600}
.ladder .rung b{color:#FF8A8E;font-size:17px;font-weight:800}
.story .conclusion{margin-top:40px;font-size:clamp(18px,2.2vw,22px);font-weight:800;color:#FF8A8E}
.story-turn{background:linear-gradient(180deg,#12080A 0%,var(--navy-deep) 18%,var(--navy) 100%);color:#fff;padding:110px 0;text-align:center;position:relative;overflow:hidden}
.story-turn::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 700px 380px at 50% 100%,rgba(55,124,247,.22),transparent 65%)}
.story-turn .wrap{position:relative;max-width:820px}
.story-turn .pill{display:inline-block;border:1px solid rgba(255,255,255,.3);border-radius:999px;padding:8px 22px;font-size:14px;color:#CFE0FF;background:rgba(255,255,255,.06)}
.story-turn h2{font-size:clamp(26px,3.6vw,40px);font-weight:800;margin-top:24px;line-height:1.3}
.story-turn h2 .hl{color:var(--blue-light);text-shadow:0 0 28px rgba(110,168,255,.6)}
.ratebars{max-width:560px;margin:44px auto 0;display:flex;flex-direction:column;gap:26px;text-align:left}
.ratebar .top{display:flex;justify-content:space-between;font-size:14.5px;font-weight:700;margin-bottom:8px}
.ratebar .top .pct-r{color:#FF8A8E;font-size:17px}
.ratebar .top .pct-b{color:var(--blue-light);font-size:17px}
.ratebar .bar{height:14px;border-radius:999px;background:rgba(255,255,255,.09);overflow:hidden}
.ratebar .fill{height:100%;border-radius:999px;width:0;transition:width 1.2s cubic-bezier(.2,.7,.3,1)}
.ratebar .fill.red{background:linear-gradient(90deg,#C33,#FF5A5F)}
.ratebar .fill.blue{background:linear-gradient(90deg,#2565DB,var(--blue-light))}
.story-turn .sub{margin-top:26px;color:#AFC2E4;font-size:15px}

/* 계산기 */
.calc-box{display:grid;grid-template-columns:1fr 1fr;gap:24px;max-width:900px;margin:0 auto}
.calc-panel{background:var(--bg-light);border:1px solid var(--line);border-radius:22px;padding:36px 32px}
.calc-panel label{display:block;font-size:14px;font-weight:700;color:var(--navy);margin-bottom:10px}
.calc-panel .amount-view{font-size:26px;font-weight:800;color:var(--navy);text-align:right;margin-bottom:6px}
.calc-panel input[type=range]{width:100%;accent-color:var(--blue);height:32px}
.calc-panel .range-cap{display:flex;justify-content:space-between;font-size:12.5px;color:var(--ink-soft);margin-bottom:22px}
.calc-mini{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:10px}
.calc-mini .m{border-radius:14px;padding:16px;text-align:center;font-size:13.5px;font-weight:700}
.calc-mini .m .r{font-size:19px;font-weight:800;display:block;margin-top:2px}
.calc-mini .m.loan{background:#FDECEC;color:#B3383C}
.calc-mini .m.policy{background:var(--blue-pale);color:var(--navy-700)}
.calc-result{background:var(--navy);border-radius:22px;padding:36px 32px;color:#fff;display:flex;flex-direction:column;justify-content:center;text-align:center;position:relative;overflow:hidden}
.calc-result::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 400px 240px at 70% 0%,rgba(55,124,247,.3),transparent 60%)}
.calc-result > *{position:relative}
.calc-result .cap{font-size:14px;color:#AFC2E4}
.calc-result .save{font-size:clamp(34px,4vw,46px);font-weight:900;color:var(--blue-light);text-shadow:0 0 30px rgba(110,168,255,.55);margin:6px 0}
.calc-result .exclaim{font-size:18px;font-weight:800;color:#fff}
.calc-result .detail{margin-top:18px;display:grid;grid-template-columns:1fr 1fr;gap:10px;font-size:13px}
.calc-result .detail div{background:rgba(255,255,255,.07);border-radius:12px;padding:12px}
.calc-result .detail b{display:block;font-size:16px;margin-top:2px}

/* 비교 테이블 */
.cmp-table{width:100%;border-collapse:collapse;background:#fff;border-radius:18px;overflow:hidden;box-shadow:0 10px 30px rgba(1,29,69,.07)}
.cmp-table th,.cmp-table td{padding:16px 20px;font-size:14.5px;text-align:center;border-bottom:1px solid var(--line)}
.cmp-table thead th{background:var(--navy);color:#fff;font-weight:800;font-size:15px}
.cmp-table tbody th{background:var(--bg-light);font-weight:700;color:var(--navy);width:150px}
.cmp-table tr:last-child td,.cmp-table tr:last-child th{border-bottom:none}
.table-scroll{overflow-x:auto}

/* 자가진단 체크 */
.selfcheck{max-width:820px;margin:0 auto}
.selfcheck .opts{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.selfcheck .opt{background:#fff;border:1.5px solid var(--line);border-radius:14px;padding:16px 20px;font-size:15px;font-weight:600;color:var(--ink);cursor:pointer;transition:.2s;display:flex;align-items:center;gap:10px;user-select:none}
.selfcheck .opt::before{content:"";width:20px;height:20px;border-radius:6px;border:2px solid #C4CFE2;flex-shrink:0;transition:.2s}
.selfcheck .opt.on{border-color:var(--blue);background:var(--blue-pale)}
.selfcheck .opt.on::before{background:var(--blue);border-color:var(--blue);content:"✓";color:#fff;display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:800}
.selfcheck .result{margin-top:24px;background:var(--navy);color:#fff;border-radius:18px;padding:28px 30px;text-align:center;min-height:96px;display:flex;flex-direction:column;justify-content:center}
.selfcheck .result .r-cap{font-size:13px;color:#AFC2E4}
.selfcheck .result .r-main{font-size:17px;font-weight:800;margin-top:6px;line-height:1.5}
.selfcheck .result .r-main .hl{color:var(--blue-light)}

/* 카톡형 사례 — 실제 카카오톡 대화창 스타일 */
.kakao-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.kk{border-radius:18px;overflow:hidden;border:1px solid var(--line);box-shadow:0 10px 26px rgba(1,29,69,.08);background:#B2C7DA}
.kk-head{background:#A6BCD3;color:#22384F;padding:12px 16px;font-size:13.5px;font-weight:800;display:flex;align-items:center;gap:8px}
.kk-head .kk-back{font-size:18px;font-weight:400;color:#3D5670}
.kk-head .cat{margin-left:auto;font-size:11px;background:rgba(34,56,79,.72);color:#fff;border-radius:6px;padding:3px 9px;font-weight:700}
.kk-body{padding:14px 14px 18px;display:flex;flex-direction:column;background:#B2C7DA}
.kk-date{align-self:center;background:rgba(20,40,60,.18);color:#fff;font-size:10.5px;border-radius:999px;padding:4px 13px;margin-bottom:12px}
.kmsg{display:flex;gap:8px;margin-bottom:6px}
.kmsg.right{justify-content:flex-end}
.kmsg .kavt{width:34px;height:34px;border-radius:13px;flex-shrink:0}
.kmsg .kname{font-size:11.5px;color:#3D5670;margin-bottom:4px;display:block}
.krow{display:flex;align-items:flex-end;gap:5px;margin-bottom:5px}
.krow.r{justify-content:flex-end}
.kk .bub{padding:8px 12px;font-size:13px;line-height:1.45;color:#1A1A1A;word-break:keep-all;max-width:100%}
.kk .bub.left{background:#fff;border-radius:3px 13px 13px 13px}
.kk .bub.right{background:#FEE500;border-radius:13px 3px 13px 13px}
.ktime{font-size:10px;color:#54718C;flex-shrink:0;padding-bottom:2px}

/* 인사말 */
.greet{max-width:780px;margin:0 auto}
.greet .greet-card{background:#fff;border:1px solid var(--line);border-radius:24px;padding:56px 52px;box-shadow:0 18px 44px rgba(1,29,69,.07)}
.greet .greet-card p{font-size:16.5px;line-height:2;color:var(--ink);margin-bottom:22px}
.greet .greet-card p:last-of-type{margin-bottom:0}
.greet .sign{margin-top:36px;text-align:right;font-size:15px;color:var(--ink-soft)}
.greet .sign b{font-size:19px;color:var(--navy);margin-left:8px}

/* 연혁 */
.history{max-width:720px;margin:0 auto;position:relative;padding-left:34px}
.history::before{content:"";position:absolute;left:10px;top:6px;bottom:6px;width:2px;background:linear-gradient(180deg,var(--blue),#C6D4EE)}
.h-item{position:relative;padding-bottom:32px}
.h-item:last-child{padding-bottom:0}
.h-item::before{content:"";position:absolute;left:-30px;top:5px;width:13px;height:13px;border-radius:50%;background:#fff;border:3.5px solid var(--blue)}
.h-item .when{font-size:13px;font-weight:800;color:var(--blue);letter-spacing:.06em}
.h-item h3{font-size:17px;font-weight:800;color:var(--navy);margin-top:3px}
.h-item p{font-size:14px;color:var(--ink-soft);margin-top:4px}

/* 조직 카드 */
.org-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.org-card{border:1px solid var(--line);border-radius:18px;padding:28px 22px;text-align:center;background:#fff;transition:.3s}
.org-card:hover{border-color:var(--blue)}
.org-card .role{font-size:12.5px;font-weight:800;color:var(--blue);letter-spacing:.06em}
.org-card h3{font-size:17px;font-weight:800;color:var(--navy);margin-top:6px}
.org-card p{font-size:13.5px;color:var(--ink-soft);margin-top:8px}
.org-note{max-width:720px;margin:40px auto 0;background:var(--bg-light);border-radius:14px;padding:18px 26px;font-size:13.5px;color:var(--ink-soft);text-align:center}

/* 사진 placeholder */
.ph{background:linear-gradient(135deg,#D8E2F2 0%,#B9CBE8 50%,#9FB6DE 100%);display:flex;align-items:center;justify-content:center;color:#5A729C;font-size:13px;font-weight:600;letter-spacing:.05em;border-radius:16px}

/* 공고 연동 예정 영역 */
.feed-demo{position:relative;border:1.5px dashed #B9C6DE;border-radius:20px;padding:26px;background:#FBFCFE}
.feed-demo .feed-label{position:absolute;top:-13px;left:24px;background:var(--navy);color:#fff;font-size:12px;font-weight:700;border-radius:999px;padding:4px 14px}
.feed-demo .feed-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;filter:grayscale(.15);opacity:.75}
.feed-demo .fc{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden}
.feed-demo .fc .fc-top{background:var(--navy);color:#fff;font-size:11.5px;font-weight:700;padding:8px 12px;display:flex;justify-content:space-between}
.feed-demo .fc .fc-body{padding:12px;font-size:12.5px;font-weight:600;color:var(--ink);line-height:1.45}
.feed-demo .fc .fc-meta{padding:0 12px 12px;font-size:11px;color:#9AA7BC}

/* 문의 폼 */
.contact-card{display:grid;grid-template-columns:5fr 7fr;background:#fff;border-radius:26px;overflow:hidden;box-shadow:0 24px 60px rgba(1,29,69,.12);max-width:1020px;margin:0 auto}
.contact-left{background:var(--navy);color:#fff;padding:52px 44px;position:relative;overflow:hidden}
.contact-left::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 400px 300px at 90% 10%,rgba(55,124,247,.3),transparent 60%)}
.contact-left > *{position:relative}
.contact-left .eyebrow{color:var(--blue-light)}
.contact-left h2{font-size:clamp(22px,2.6vw,28px);font-weight:800;line-height:1.4}
.contact-left h2 .hl{color:var(--blue-light)}
.contact-left .sub{margin-top:14px;font-size:14.5px;color:#AFC2E4}
.contact-left .ways{margin-top:40px;display:flex;flex-direction:column;gap:16px;border-top:1px solid rgba(255,255,255,.15);padding-top:32px}
.contact-left .way{display:flex;align-items:center;gap:12px;font-size:15px;font-weight:600}
.contact-left .way .ic{width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,.1);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.contact-left .way .ic svg{width:17px;height:17px;stroke:#CFE0FF;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.contact-form{padding:52px 44px}
.f-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:14px}
.f-field label{display:block;font-size:13.5px;font-weight:700;color:var(--navy);margin-bottom:6px}
.f-field label em{color:var(--red);font-style:normal}
.f-field input,.f-field select,.f-field textarea{width:100%;border:1px solid var(--line);border-radius:10px;padding:12px 14px;font-size:14.5px;font-family:inherit;background:#FBFCFE;transition:.2s}
.f-field input:focus,.f-field select:focus,.f-field textarea:focus{outline:none;border-color:var(--blue);background:#fff}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chip{border:1px solid var(--line);border-radius:999px;padding:8px 16px;font-size:13.5px;font-weight:600;color:var(--ink-soft);cursor:pointer;transition:.2s;background:#fff;user-select:none}
.chip.on{background:var(--navy);border-color:var(--navy);color:#fff}
.f-agree{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--ink-soft);margin:16px 0 20px}
.f-agree input{accent-color:var(--blue);width:16px;height:16px}
.contact-form .btn{width:100%;justify-content:center}

/* CTA 밴드 */
.cta-band{background:var(--navy);border-radius:24px;padding:52px 40px;text-align:center;color:#fff;position:relative;overflow:hidden}
.cta-band::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 600px 300px at 80% 0%,rgba(55,124,247,.25),transparent 65%)}
.cta-band > *{position:relative}
.cta-band h3{font-size:clamp(20px,2.8vw,28px);font-weight:800;line-height:1.4}
.cta-band h3 .hl{color:var(--blue-light)}
.cta-band p{margin-top:10px;color:#AFC2E4;font-size:15px}
.cta-band .btn{margin-top:24px}

/* footer */
footer{background:var(--navy-deep);color:#8FA5CC;padding:56px 0 40px}
.foot{display:flex;justify-content:space-between;gap:40px;flex-wrap:wrap}
.foot-info img{height:26px;margin-bottom:20px}
.foot-info p{font-size:13px;line-height:1.9}
.foot-info b{color:#C4D3EC;font-weight:700}
.foot-right{text-align:right;font-size:13px}
.foot-right .tel-big{font-size:24px;font-weight:800;color:#fff;letter-spacing:.02em}
.foot-right p{margin-top:6px}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding-top:24px;font-size:12px;color:#54709F;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}

/* 포인트 글로우 — 특정 키워드에만 (과용 금지) */
.phero h1 .hl,.hero h1 .hl{text-shadow:0 0 30px rgba(110,168,255,.55)}
.cta-band h3 .hl,.vflow .vfinal h3 .hl,.contact-left h2 .hl{text-shadow:0 0 22px rgba(110,168,255,.5)}
.sec-navy .sec-title span{text-shadow:0 0 26px rgba(110,168,255,.5)}

/* 대표 프로필 */
.ceo-grid{display:grid;grid-template-columns:5fr 7fr;gap:48px;align-items:center}
.ceo-list{list-style:none;margin-top:26px;display:flex;flex-direction:column;gap:11px;font-size:14.5px}
.ceo-list li{padding-left:22px;position:relative}


/* responsive */
@media(max-width:1024px){
  .ceo-grid{grid-template-columns:1fr}
  .g4,.org-grid{grid-template-columns:repeat(2,1fr)}
  .g3,.kakao-grid{grid-template-columns:repeat(2,1fr)}
  .feed-demo .feed-cards{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:860px){
  .nav ul{display:none}
  .nav .tel{display:none}
  .hamb{display:block}
  .contact-card,.calc-box{grid-template-columns:1fr}
  .selfcheck .opts{grid-template-columns:1fr}
}
@media(max-width:600px){
  .g2,.g3,.g4,.kakao-grid,.org-grid,.feed-demo .feed-cards{grid-template-columns:1fr}
  .f-row{grid-template-columns:1fr}
  .foot-right{text-align:left}
  .sec{padding:72px 0}
  .greet .greet-card{padding:36px 26px}
}

/* ===== A-2 공통 확장 ===== */
.sec-head.left{text-align:left}
.split{display:grid;grid-template-columns:4fr 8fr;gap:48px;align-items:start}
.split .sec-head{text-align:left;margin-bottom:0;position:sticky;top:100px}
.split .grid.g3,.split .grid.g4{grid-template-columns:1fr 1fr}
/* 가로 스텝퍼 */
.stepper{display:grid;grid-template-columns:repeat(4,1fr);position:relative}
.stepper.s3{grid-template-columns:repeat(3,1fr)}
.stp{position:relative;padding-right:28px}
.stp .sn{width:44px;height:44px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:15px;position:relative;z-index:2}
.stp::after{content:"";position:absolute;top:21px;left:52px;right:8px;height:2px;background:#C9D6EA}
.stp:last-child::after{display:none}
.stp h3{font-size:17.5px;font-weight:800;color:var(--navy);margin-top:16px}
.stp p{font-size:13.5px;color:var(--ink-soft);margin-top:6px}
/* 후기 마퀴 */
.rev-marquee{overflow:hidden;padding:6px 0}
.rev-track{display:flex;gap:18px;width:max-content;animation:revscroll 48s linear infinite}
.rev-marquee:hover .rev-track{animation-play-state:paused}
@keyframes revscroll{to{transform:translateX(-50%)}}
.rev-card{width:390px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px;flex-shrink:0}
.rev-stars{color:var(--gold);letter-spacing:2px;font-size:14px}
.rev-card .q{font-size:14px;color:var(--ink);margin-top:10px;line-height:1.68;word-break:keep-all}
.rev-who{margin-top:14px;font-size:13px;color:var(--ink-soft)}
.rev-who b{color:var(--navy)}
.rev-result{margin-top:12px;padding-top:12px;border-top:1px solid var(--line);font-size:12.5px;color:var(--ink-soft)}
.rev-result b{color:var(--blue)}
/* 자료실 */
.lib-badge{display:inline-block;font-size:11px;font-weight:800;background:var(--navy);color:#fff;border-radius:6px;padding:4px 10px;letter-spacing:.04em}
.lib-card h3{margin-top:12px}
.lib-dl{font-size:12px;color:#9AA7BC;margin-top:10px}
.lib-btn{margin-top:14px;width:100%;border:none;border-radius:10px;background:#FEE500;color:#191919;font-weight:800;font-size:13.5px;padding:12px;cursor:pointer;font-family:inherit;transition:.2s}
.lib-btn:hover{background:#F5D900}
/* 플로팅 상담 */
.float-cta{position:fixed;right:24px;bottom:24px;display:flex;flex-direction:column;gap:12px;z-index:90}
.float-cta a{width:56px;height:56px;border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:0 10px 26px rgba(1,29,69,.3);transition:.22s}
.float-cta a:hover{transform:translateY(-3px)}
.float-cta .fc-kakao{background:#FEE500}
.float-cta .fc-call{background:var(--navy)}
.float-cta svg{width:24px;height:24px}
@media(max-width:1024px){
  .split{grid-template-columns:1fr}
  .split .sec-head{position:static;margin-bottom:36px}
  .stepper,.stepper.s3{grid-template-columns:repeat(2,1fr);gap:28px 18px}
  .stp::after{display:none}
}
@media(max-width:600px){.stepper,.stepper.s3,.split .grid.g3,.split .grid.g4{grid-template-columns:1fr}.rev-card{width:320px}.float-cta{right:14px;bottom:14px}}