/* ============ Reset & Base ============ */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Helvetica Neue', Arial, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: #1a1a1a;
  background: #ffffff;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; }
img { max-width: 100%; display: block; }

:root {
  --navy: #0B2C5B;
  --navy-2: #143A6E;
  --yellow: #FFD43B;
  --yellow-2: #FFE680;
  --gray-50: #F7F8FB;
  --gray-100: #EEF1F6;
  --gray-200: #DEE3EC;
  --gray-500: #6B7280;
  --gray-700: #374151;
  --text: #1a1a1a;
  --radius: 14px;
  --shadow-sm: 0 2px 8px rgba(11,44,91,0.06);
  --shadow-md: 0 8px 24px rgba(11,44,91,0.08);
  --shadow-lg: 0 16px 48px rgba(11,44,91,0.12);
}

.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }

/* ============ Scroll Reveal ============ */
.reveal {
  opacity: 0;
  transform: translateY(36px);
  transition:
    opacity 0.7s cubic-bezier(0.22, 1, 0.36, 1),
    transform 0.7s cubic-bezier(0.22, 1, 0.36, 1);
  transition-delay: var(--reveal-delay, 0ms);
  will-change: opacity, transform;
}
.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}
@media (prefers-reduced-motion: reduce) {
  .reveal {
    opacity: 1;
    transform: none;
    transition: none;
  }
  .phone {
    animation: none !important;
    transform: rotate(-3deg) !important;
  }
}

/* ============ Utility Bar ============ */
.utility-bar {
  background: #0B2C5B;
  color: #cfd8e8;
  font-size: 13px;
}
.utility-inner {
  display: flex; justify-content: space-between; align-items: center;
  height: 38px;
}
.utility-msg { opacity: 0.9; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.utility-links { display: flex; align-items: center; gap: 12px; }
.util-link { color: #fff; font-weight: 500; white-space: nowrap; }
.util-link:hover { color: var(--yellow); }
.util-divider { opacity: 0.4; }

/* ============ Header ============ */
.site-header {
  background: #fff;
  border-bottom: 1px solid var(--gray-100);
  position: sticky; top: 0; z-index: 50;
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 84px;
}
.logo { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.logo-mark { display: inline-flex; flex-shrink: 0; }
.logo-text { font-weight: 800; font-size: 22px; color: var(--navy); letter-spacing: -0.02em; white-space: nowrap; }
.logo-img { height: 58px; width: auto; display: block; }
.logo-img-light { height: 50px; filter: brightness(0) invert(1) opacity(0.95); }
.site-footer .logo-img-light { filter: brightness(1.2) saturate(0.8); }
.logo-text-light { color: #fff; }
.nav { display: flex; gap: 32px; }
.nav a {
  color: var(--gray-700); font-weight: 500; font-size: 15px;
  padding: 6px 0; border-bottom: 2px solid transparent;
  transition: color .15s, border-color .15s;
}
.nav a:hover { color: var(--navy); border-color: var(--yellow); }
.header-cta { display: flex; gap: 10px; }
.header-brand {
  display: flex; align-items: center; gap: 10px; flex-shrink: 0;
}
.header-kakao-mobile {
  display: none;
  align-items: center; justify-content: center;
  width: 44px; height: 44px;
  background: var(--yellow); color: var(--navy);
  border-radius: 50%;
  flex-shrink: 0;
  box-shadow: 0 4px 14px rgba(255,212,59,0.45);
  transition: transform .15s;
}
.header-kakao-mobile:hover { transform: scale(1.06); }

br.br-m,
br.br-desk { display: none; }

/* ============ Buttons ============ */
.btn {
  display: inline-flex; align-items: center; gap: 8px; justify-content: center;
  padding: 12px 22px;
  border-radius: 10px;
  font-weight: 600; font-size: 15px;
  border: 0;
  transition: transform .12s ease, box-shadow .15s ease, background .15s;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--navy); color: #fff; }
.btn-primary:hover { background: var(--navy-2); box-shadow: var(--shadow-md); }
.btn-kakao { background: var(--yellow); color: var(--navy); }
.btn-kakao:hover { background: #FFCC1A; box-shadow: 0 8px 24px rgba(255,212,59,0.4); }
.btn-ghost { background: transparent; color: var(--navy); border: 1.5px solid var(--gray-200); }
.btn-ghost:hover { border-color: var(--navy); }
.btn-ghost-light { background: transparent; color: #fff; border: 1.5px solid rgba(255,255,255,0.4); }
.btn-ghost-light:hover { border-color: #fff; background: rgba(255,255,255,0.06); }
.btn-lg { padding: 16px 28px; font-size: 16px; }
.btn-full { width: 100%; padding: 16px; font-size: 16px; }

/* ============ Hero ============ */
.hero {
  background:
    radial-gradient(ellipse at 80% 0%, rgba(255,212,59,0.25), transparent 50%),
    radial-gradient(ellipse at 0% 100%, rgba(11,44,91,0.06), transparent 50%),
    #FCFCF8;
  padding: 80px 0 100px;
  overflow: hidden;
}
.hero-inner {
  display: grid; grid-template-columns: 1.05fr 1fr; gap: 60px; align-items: center;
}
.hero-badge {
  display: inline-block;
  background: #fff; border: 1px solid var(--gray-200);
  color: var(--navy); font-weight: 600; font-size: 13px;
  padding: 8px 14px; border-radius: 999px;
  box-shadow: var(--shadow-sm);
}
.hero-title {
  font-size: clamp(36px, 5vw, 60px);
  font-weight: 800; line-height: 1.15; letter-spacing: -0.03em;
  color: var(--navy);
  margin: 20px 0 18px;
  word-break: keep-all;
  text-wrap: balance;
}
.hl { color: var(--navy); position: relative; display: inline-block; white-space: nowrap; isolation: isolate; }
.hl::after {
  content: ''; position: absolute; left: -2px; right: -2px; bottom: 6px;
  height: 16px; background: var(--yellow); z-index: -1; opacity: 0.85;
  border-radius: 2px;
}
.hl-y { color: var(--navy); position: relative; display: inline-block; }
.hl-y::after {
  content: ''; position: absolute; left: -2px; right: -2px; bottom: 4px;
  height: 14px; background: var(--yellow); z-index: -1; opacity: 0.85;
  border-radius: 2px;
}
.hero-sub { font-size: 18px; color: var(--gray-700); margin-bottom: 28px; }
.hero-ctas { display: flex; gap: 12px; margin-bottom: 28px; flex-wrap: wrap; }
.hero-points {
  list-style: none; padding: 0; margin: 0;
  display: flex; gap: 22px; flex-wrap: wrap;
  color: var(--gray-700); font-weight: 500; font-size: 14px;
}
.hero-points li { display: flex; align-items: center; gap: 8px; }
.dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--yellow); display: inline-block;
  box-shadow: 0 0 0 3px rgba(255,212,59,0.25);
}

.hero-visual { position: relative; }
/* 히어로 비주얼 — 박스 없이 자연스럽게 배치 */
.hero-img {
  position: relative;
  width: 100%;
  max-width: 480px;
  margin: 0 auto;
  aspect-ratio: 480 / 560;
  /* 박스 제거: 배경/테두리/오버플로우 없음 */
  background: transparent;
  border-radius: 0;
  overflow: visible;
  box-shadow: none;
}

/* 폰 뒤 노란 원형 헤일로 (장식) */
.hero-img::before {
  content: '';
  position: absolute;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  width: 78%;
  aspect-ratio: 1;
  background: radial-gradient(circle at 30% 30%, #FFE680 0%, #FFD43B 55%, rgba(255,212,59,0) 72%);
  border-radius: 50%;
  z-index: 0;
  filter: blur(2px);
}

/* 부드러운 블롭 (배경 보조) */
.hero-bg-blob {
  position: absolute; border-radius: 50%;
  opacity: 0.4;
  pointer-events: none;
}
.hero-bg-blob-1 {
  width: 240px; height: 240px;
  background: radial-gradient(circle, #fff 0%, transparent 70%);
  top: -20px; right: -20px;
}
.hero-bg-blob-2 {
  width: 200px; height: 200px;
  background: radial-gradient(circle, rgba(11,44,91,0.15) 0%, transparent 70%);
  bottom: 0; left: -20px;
}

/* 폰 목업 — 헤일로 위에 자연스럽게 떠있음 */
.phone {
  position: relative;
  margin: 0 auto;
  top: 50%;
  transform: translateY(-50%) rotate(-3deg);
  width: 62%;
  aspect-ratio: 9 / 18.5;
  background: #1a1a1a;
  border-radius: 38px;
  padding: 10px;
  box-shadow:
    0 40px 80px -20px rgba(11,44,91,0.35),
    0 16px 32px -8px rgba(11,44,91,0.2),
    0 4px 8px rgba(0,0,0,0.06);
  border: 1px solid #2a2a2a;
  z-index: 2;
}
.phone-notch {
  position: absolute;
  top: 12px; left: 50%; transform: translateX(-50%);
  width: 70px; height: 18px; border-radius: 999px;
  background: #1a1a1a;
  z-index: 2;
}
.phone-screen {
  width: 100%; height: 100%;
  background: linear-gradient(180deg, #F8FAFD 0%, #FFFFFF 30%);
  border-radius: 30px;
  padding: 30px 16px 16px;
  overflow: hidden;
  font-size: 11px;
}

/* 폰 화면 컴포넌트 */
.ps-top {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 14px;
}
.ps-logo {
  display: flex; align-items: center; gap: 5px;
  font-weight: 800; color: var(--navy); font-size: 13px;
}
.ps-logo img { height: 28px; width: auto; display: block; }
.ps-bell { font-size: 13px; }
.ps-greet { color: var(--gray-500); font-size: 10px; }
.ps-name { font-weight: 800; color: var(--navy); font-size: 16px; margin-bottom: 12px; }

.ps-limit-card {
  background: linear-gradient(135deg, #0B2C5B 0%, #143A6E 100%);
  color: #fff;
  border-radius: 14px;
  padding: 14px 14px 12px;
  margin-bottom: 14px;
  box-shadow: 0 8px 16px -4px rgba(11,44,91,0.3);
}
.ps-limit-label { font-size: 9px; opacity: 0.7; margin-bottom: 4px; }
.ps-limit-amount { font-size: 18px; font-weight: 800; color: var(--yellow); letter-spacing: -0.02em; margin-bottom: 10px; }
.ps-limit-bar {
  height: 4px; background: rgba(255,255,255,0.15);
  border-radius: 2px; overflow: hidden; margin-bottom: 8px;
}
.ps-limit-fill {
  width: 78%; height: 100%;
  background: var(--yellow);
  border-radius: 2px;
}
.ps-limit-foot {
  display: flex; justify-content: space-between; align-items: center;
  font-size: 9px; opacity: 0.9;
}
.ps-pill {
  background: rgba(255,212,59,0.2);
  color: var(--yellow);
  padding: 2px 6px; border-radius: 999px;
  font-weight: 700;
}

.ps-menu {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 6px;
  margin-bottom: 14px;
}
.ps-menu-item {
  background: #F4F6FB;
  border-radius: 10px;
  padding: 10px 4px;
  display: flex; flex-direction: column; align-items: center; gap: 4px;
  font-size: 9px; color: var(--gray-700); font-weight: 600;
}
.ps-menu-icon {
  width: 24px; height: 24px;
  background: #fff; border-radius: 8px;
  display: grid; place-items: center;
  font-size: 12px;
}

.ps-trans {
  background: #fff;
  border: 1px solid var(--gray-100);
  border-radius: 10px;
  padding: 10px;
}
.ps-trans-row {
  display: flex; align-items: center; gap: 8px;
}
.ps-trans-icon {
  width: 24px; height: 24px; border-radius: 50%;
  display: grid; place-items: center;
  font-weight: 800; font-size: 12px;
}
.ps-trans-icon-up {
  background: rgba(34,197,94,0.12); color: #16A34A;
}
.ps-trans-text { flex: 1; }
.ps-trans-title { font-weight: 700; color: var(--navy); font-size: 10px; }
.ps-trans-sub { color: var(--gray-500); font-size: 9px; }
.ps-trans-amt { font-weight: 800; color: #16A34A; font-size: 10px; }

/* 플로팅 알림 */
.hero-notif {
  position: absolute;
  background: #fff;
  border-radius: 14px;
  padding: 12px 14px;
  box-shadow: 0 20px 40px -8px rgba(11,44,91,0.18), 0 6px 16px -4px rgba(0,0,0,0.06);
  display: flex; align-items: center; gap: 10px;
  border: 1px solid rgba(11,44,91,0.05);
  z-index: 3;
}
.hero-notif-1 {
  top: 14%; right: -14px;
  animation: float 4s ease-in-out infinite;
}
.hn-icon {
  width: 32px; height: 32px; border-radius: 50%;
  background: #16A34A; color: #fff;
  display: grid; place-items: center;
  font-weight: 800; font-size: 14px;
}
.hn-title { font-weight: 800; color: var(--navy); font-size: 12px; line-height: 1.2; }
.hn-sub { color: var(--gray-500); font-size: 11px; margin-top: 2px; }

/* 코인 장식 — 폰 주변에 자연스럽게 배치 */
.hero-coin {
  position: absolute;
  width: 48px; height: 48px; border-radius: 50%;
  background: #fff;
  display: grid; place-items: center;
  font-weight: 800; color: var(--navy);
  box-shadow: 0 12px 24px -6px rgba(11,44,91,0.25), 0 4px 8px rgba(0,0,0,0.06);
  z-index: 3;
}
.coin-1 { top: 12%; left: 4%; background: var(--yellow); animation: float 5s ease-in-out infinite; }
.coin-2 { top: 44%; left: -6px; background: var(--navy); color: #fff; animation: float 4.5s ease-in-out infinite reverse; }
.coin-3 { bottom: 14%; right: 6%; background: #fff; color: var(--yellow); font-size: 24px; animation: float 5.5s ease-in-out infinite; }

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}
@keyframes phone-float-y {
  0%, 100% { transform: translateY(-50%) rotate(-3deg) translateY(0); }
  50% { transform: translateY(-50%) rotate(-3deg) translateY(-14px); }
}
@keyframes phone-float-y-mobile {
  0%, 100% { transform: rotate(-3deg) translateY(0); }
  50% { transform: rotate(-3deg) translateY(-12px); }
}
.hero-float {
  position: absolute; background: #fff;
  border-radius: 14px; padding: 14px 18px;
  box-shadow: var(--shadow-lg);
  display: flex; align-items: center; gap: 12px;
  border: 1px solid var(--gray-100);
}
.hero-float-1 { left: -24px; top: 32px; }
.hero-float-2 { right: -16px; bottom: 50px; }
.hf-icon {
  width: 36px; height: 36px; border-radius: 10px;
  background: var(--navy); color: #fff;
  display: grid; place-items: center; font-weight: 700;
}
.hf-icon-y { background: var(--yellow); color: var(--navy); }
.hf-title { font-weight: 700; color: var(--navy); font-size: 14px; line-height: 1.2; }
.hf-sub { color: var(--gray-500); font-size: 12px; }

/* ============ Trust Strip ============ */
.trust-strip {
  background: var(--navy); color: #fff;
  padding: 36px 0;
}
.trust-inner {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px;
  text-align: center;
}
.trust-item { padding: 0 12px; }
.trust-num {
  font-size: 44px; font-weight: 800; color: var(--yellow);
  letter-spacing: -0.02em; line-height: 1;
}
.trust-num .count-value {
  font-size: inherit;
  color: inherit;
  font-weight: inherit;
  margin-left: 0;
}
.trust-num > span:not(.count-value) {
  font-size: 22px; color: #fff; margin-left: 4px; font-weight: 700;
}
.trust-label { margin-top: 8px; color: #cfd8e8; font-size: 14px; }

/* ============ Sections ============ */
.section { padding: 100px 0; }
.section-soft { background: var(--gray-50); }
.section-dark {
  background: linear-gradient(135deg, #0B2C5B 0%, #143A6E 100%);
  color: #fff;
}
.section-head { text-align: center; margin-bottom: 56px; }
.eyebrow {
  display: inline-block;
  font-size: 13px; font-weight: 700; letter-spacing: 0.18em;
  color: var(--navy); background: rgba(255,212,59,0.25);
  padding: 6px 12px; border-radius: 6px;
  margin-bottom: 16px;
}
.eyebrow-light { color: var(--yellow); background: rgba(255,212,59,0.15); }
.section-title {
  font-size: clamp(28px, 4vw, 44px);
  font-weight: 800; letter-spacing: -0.03em; color: var(--navy);
  margin: 0 0 16px;
  text-wrap: balance;
}
.section-title-light { color: #fff; }
.section-dark .hl-y { color: #fff; }
.section-desc { color: var(--gray-700); font-size: 17px; max-width: 640px; margin: 0 auto; }
.section-desc-light { color: #cfd8e8; }

/* ============ Product Grid ============ */
.product-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
.product-card {
  background: #fff;
  border: 1px solid var(--gray-100);
  border-radius: 18px;
  padding: 32px 28px;
  transition: transform .2s, box-shadow .2s, border-color .2s;
  display: flex; flex-direction: column;
}
.product-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--yellow);
}
.pc-icon {
  width: 64px; height: 64px; border-radius: 14px;
  background: var(--gray-50);
  display: grid; place-items: center;
  margin-bottom: 20px;
}
.product-card h3 {
  margin: 0 0 8px; font-size: 22px; font-weight: 700;
  color: var(--navy); letter-spacing: -0.02em;
}
.product-card > p { color: var(--gray-700); margin: 0 0 20px; font-size: 15px; }
.pc-list {
  list-style: none; padding: 0; margin: 0 0 24px;
  border-top: 1px dashed var(--gray-200);
  padding-top: 16px;
}
.pc-list li {
  display: flex; justify-content: space-between;
  padding: 6px 0; color: var(--gray-700); font-size: 14px;
}
.pc-list strong { color: var(--navy); font-weight: 700; }
.pc-link {
  margin-top: auto; align-self: flex-start;
  color: var(--navy); font-weight: 700; font-size: 14px;
  border-bottom: 2px solid var(--yellow);
  padding-bottom: 2px;
}
.pc-link:hover { color: var(--navy-2); }

/* ============ Calculator ============ */
.calc-inner {
  display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center;
}
.calc-bullets { margin-top: 32px; display: flex; flex-direction: column; gap: 18px; }
.cb {
  display: flex; gap: 16px; align-items: flex-start;
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1);
  border-radius: 12px; padding: 16px 18px;
}
.cb-no {
  font-weight: 800; color: var(--yellow); font-size: 18px;
  min-width: 28px;
}
.cb div strong { color: #fff; font-size: 16px; }
.cb div span { color: #cfd8e8; font-size: 13px; }

.calc-card {
  background: #fff; color: var(--text);
  border-radius: 22px; padding: 36px;
  box-shadow: var(--shadow-lg);
}
.calc-title { margin: 0 0 24px; font-size: 22px; font-weight: 800; color: var(--navy); }
.form-row { margin-bottom: 18px; }
.form-row label {
  display: block; font-size: 13px; font-weight: 600;
  color: var(--gray-700); margin-bottom: 8px;
}
.form-row input[type=text],
.form-row input[type=number],
.form-row select,
.form-row textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--gray-200);
  border-radius: 10px;
  font-family: inherit; font-size: 15px;
  background: #fff;
  transition: border-color .15s, box-shadow .15s;
}
.form-row input:focus, .form-row select:focus, .form-row textarea:focus {
  outline: none; border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(11,44,91,0.1);
}
.form-row input[type=range] {
  width: 100%; accent-color: var(--navy);
}
.range-val {
  text-align: right; font-weight: 700; color: var(--navy); font-size: 14px; margin-top: 4px;
}
.calc-result {
  margin-top: 20px; padding: 20px;
  background: var(--gray-50); border-radius: 12px;
  border: 1px solid var(--gray-200);
}
.cr-row {
  display: flex; justify-content: space-between;
  padding: 8px 0; font-size: 14px; color: var(--gray-700);
  border-bottom: 1px dashed var(--gray-200);
}
.cr-row:last-of-type { border-bottom: 0; }
.cr-row strong { font-size: 18px; color: var(--navy); font-weight: 800; }
.cr-note { margin: 10px 0 0; font-size: 12px; color: var(--gray-500); }
.calc-disclaimer {
  margin: 14px 0 0; text-align: center;
  font-size: 12px; color: var(--gray-500);
}

/* ============ Steps ============ */
.steps {
  list-style: none; padding: 0; margin: 0;
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px;
  counter-reset: step;
  position: relative;
}
.steps::before {
  content: ''; position: absolute; top: 32px;
  left: 12%; right: 12%; height: 2px;
  background: repeating-linear-gradient(to right, var(--gray-200) 0, var(--gray-200) 8px, transparent 8px, transparent 14px);
  z-index: 0;
}
.step {
  background: #fff; border: 1px solid var(--gray-100);
  border-radius: 18px; padding: 32px 24px;
  text-align: center;
  position: relative; z-index: 1;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.step:hover,
.step.is-active {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--yellow);
}
.step-no {
  width: 56px; height: 56px; margin: 0 auto 16px;
  border-radius: 50%; background: var(--navy); color: var(--yellow);
  display: grid; place-items: center;
  font-weight: 800; font-size: 18px;
  box-shadow: 0 6px 16px rgba(11,44,91,0.25);
}
.step h3 { margin: 0 0 8px; color: var(--navy); font-size: 18px; font-weight: 700; }
.step p { margin: 0; color: var(--gray-700); font-size: 14px; }

/* ============ Guide ============ */
.guide-inner {
  display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center;
}
.guide-tags {
  display: flex; flex-wrap: wrap; gap: 10px; margin-top: 24px;
}
.guide-tags span {
  background: #fff; border: 1px solid var(--gray-200);
  padding: 8px 14px; border-radius: 999px;
  font-size: 14px; font-weight: 600; color: var(--navy);
}
.guide-visual {
  border-radius: 16px;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-100);
}
.guide-photo {
  width: 100%;
  height: 380px;
  object-fit: cover;
  object-position: center 35%;
  display: block;
}

/* ============ FAQ ============ */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item {
  background: #fff; border: 1px solid var(--gray-100);
  border-radius: 12px; margin-bottom: 12px;
  overflow: hidden;
  transition: box-shadow .15s, border-color .15s;
}
.faq-item:hover { border-color: var(--gray-200); }
.faq-item[open] { box-shadow: var(--shadow-sm); border-color: var(--yellow); }
.faq-item summary {
  padding: 20px 24px; font-weight: 600; font-size: 16px;
  color: var(--navy); cursor: pointer;
  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: 22px; color: var(--navy);
  font-weight: 400; transition: transform .15s;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item p {
  margin: 0; padding: 0 24px 22px;
  color: var(--gray-700); font-size: 15px; line-height: 1.7;
}

/* ============ Footer ============ */
.site-footer { background: #08203F; color: #cfd8e8; padding-top: 60px; }
.footer-inner {
  display: grid; grid-template-columns: 1.2fr 2fr; gap: 60px;
  padding-bottom: 48px;
}
.footer-brand p { margin: 16px 0 0; font-size: 14px; color: #97a4bd; }
.footer-cols { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.footer-cols h4 { color: #fff; font-size: 14px; font-weight: 700; margin: 0 0 14px; }
.footer-cols a {
  display: block; color: #97a4bd; font-size: 14px;
  margin-bottom: 8px;
}
.footer-cols a:hover { color: var(--yellow); }
.footer-note { font-size: 13px; color: #97a4bd; margin-top: 10px; line-height: 1.6; }
.footer-bottom {
  border-top: 1px solid #1A3358;
  padding: 22px 0;
}
.footer-bottom p {
  margin: 4px 0;
  font-size: 12px; color: #7a89a6;
}

/* ============ Floating Kakao ============ */
.floating-kakao {
  position: fixed; right: 22px; bottom: 22px; z-index: 100;
  background: var(--yellow); color: var(--navy);
  border-radius: 999px; padding: 14px 20px;
  font-weight: 700; font-size: 14px;
  display: flex; align-items: center; gap: 8px;
  box-shadow: 0 12px 32px rgba(255,212,59,0.5), 0 4px 12px rgba(0,0,0,0.1);
  transition: transform .15s;
}
.floating-kakao:hover { transform: scale(1.05) translateY(-2px); }

/* ============ Mobile Bottom Bar ============ */
.mobile-bottom-bar {
  display: none;
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 100;
  background: #fff;
  border-top: 1px solid var(--gray-100);
  box-shadow: 0 -4px 20px rgba(11,44,91,0.08);
  padding: 0;
}
.mbb-btn {
  flex: 1;
  display: flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 12px;
  font-weight: 700; font-size: 15px;
  min-height: 56px;
}
.mbb-kakao {
  background: var(--yellow); color: var(--navy);
  border-right: 1px solid rgba(11,44,91,0.08);
}
.mbb-kakao:hover { background: #FFCC1A; }
.mbb-inquiry {
  background: var(--navy); color: #fff;
}
.mbb-inquiry:hover { background: var(--navy-2); }

/* ============ Responsive ============ */
@media (max-width: 980px) {
  .nav { display: none; }
  .hero-inner, .calc-inner, .guide-inner, .footer-inner { grid-template-columns: 1fr; gap: 40px; }
  .product-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .steps::before { display: none; }
  .trust-inner { grid-template-columns: repeat(2, 1fr); }
  .footer-cols { grid-template-columns: repeat(3, 1fr); }
  .section { padding: 64px 0; }
  .hero { padding: 56px 0 72px; }
  .hero-img {
    aspect-ratio: auto;
    height: auto;
    display: flex;
    align-items: flex-end;
    justify-content: center;
    overflow: hidden;
  }
  .phone {
    top: auto;
    transform: rotate(-3deg);
  }
}
@media (min-width: 621px) {
  br.br-desk { display: block; }
}

@media (max-width: 620px) {
  br.br-m { display: block; }

  body {
    padding-bottom: 56px;
    text-align: center;
  }

  .utility-msg { display: none; }
  .utility-inner { justify-content: center; }
  .header-cta { display: none; }
  .header-inner {
    height: 72px;
    justify-content: flex-start;
  }
  .header-brand {
    flex: 1;
    justify-content: space-between;
    max-width: 100%;
  }
  .header-kakao-mobile { display: flex; }
  .logo-img { height: 50px; }

  .floating-kakao { display: none; }
  .mobile-bottom-bar { display: flex; }

  /* 텍스트 중앙 정렬 */
  .hero-text,
  .section-head,
  .section-title,
  .section-desc,
  .calc-left,
  .guide-text,
  .product-card,
  .product-card h3,
  .product-card > p,
  .step,
  .step h3,
  .step p,
  .trust-item,
  .trust-label,
  .footer-brand,
  .footer-brand p,
  .footer-cols > div,
  .footer-cols h4,
  .footer-bottom p,
  .faq-item summary,
  .faq-item p,
  .calc-title,
  .calc-disclaimer,
  .cr-note,
  .hero-badge,
  .hero-title,
  .hero-sub,
  .eyebrow {
    text-align: center;
  }

  .calc-inner,
  .guide-inner {
    text-align: center;
  }

  .hero-ctas,
  .hero-points {
    display: none;
  }

  .hero {
    padding: 40px 0 72px;
    overflow: visible;
  }
  .hero-inner {
    display: flex;
    flex-direction: column;
    gap: 32px;
    align-items: center;
  }
  .hero-text {
    position: relative;
    z-index: 2;
    width: 100%;
  }
  .hero-sub {
    margin-bottom: 0;
  }

  /* 히어로 폰 목업 — 텍스트 아래 하단 배치, 겹침 방지 */
  .hero-visual,
  .hero-img,
  .phone,
  .phone-screen {
    text-align: left;
  }
  .hero-visual {
    width: 100%;
    max-width: 280px;
    margin: 0 auto;
    order: 2;
  }
  .hero-img {
    aspect-ratio: auto;
    height: auto;
    min-height: 460px;
    max-width: 100%;
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 24px 0 32px;
    overflow: visible;
  }
  .hero-img::before {
    top: auto;
    bottom: 8%;
    left: 50%;
    transform: translateX(-50%);
    width: 85%;
  }
  .hero-bg-blob { display: none; }
  .hero-coin { display: none; }
  .phone {
    position: relative;
    top: auto;
    width: 88%;
    max-width: 268px;
    margin: 0 auto;
    flex-shrink: 0;
    transform: rotate(-3deg);
    animation: phone-float-y-mobile 2.8s ease-in-out infinite;
  }
  .ps-menu-item {
    text-align: center;
  }

  .section-desc {
    margin-left: auto;
    margin-right: auto;
  }

  .product-card {
    align-items: center;
    text-align: center;
  }
  .pc-icon { margin-left: auto; margin-right: auto; }
  .pc-list {
    width: 100%;
    max-width: 300px;
    margin-left: auto;
    margin-right: auto;
    padding-top: 20px;
  }
  .pc-list li {
    flex-direction: column;
    align-items: center;
    gap: 6px;
    padding: 14px 0;
    font-size: 16px;
    font-weight: 600;
    color: var(--gray-700);
    border-bottom: 1px solid var(--gray-100);
  }
  .pc-list li:last-child {
    border-bottom: none;
    padding-bottom: 0;
  }
  .pc-list strong {
    font-size: 22px;
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -0.02em;
  }
  .pc-link { align-self: center; font-size: 16px; }

  .calc-bullets .cb {
    flex-direction: column;
    align-items: center;
    text-align: center;
  }
  .cb-no { margin-bottom: 4px; }

  .calc-card {
    padding: 24px;
    text-align: center;
  }

  .steps { text-align: center; }
  .step {
    display: flex;
    flex-direction: column;
    align-items: center;
  }

  .guide-tags {
    justify-content: center;
  }
  .guide-photo {
    height: 280px;
    object-position: center 30%;
  }

  .site-footer,
  .footer-inner,
  .footer-bottom,
  .footer-bottom .container {
    text-align: center;
  }

  .footer-brand {
    display: flex;
    flex-direction: column;
    align-items: center;
  }
  .footer-brand .logo {
    display: flex;
    justify-content: center;
    width: 100%;
  }
  .footer-brand p {
    text-align: center;
  }

  .footer-cols {
    grid-template-columns: 1fr;
    gap: 28px;
    text-align: center;
  }
  .footer-cols > div {
    display: flex;
    flex-direction: column;
    align-items: center;
  }
  .footer-cols h4,
  .footer-cols a {
    text-align: center;
    width: 100%;
  }
  .footer-note {
    text-align: center;
  }

  .footer-bottom p {
    text-align: center;
    margin-left: auto;
    margin-right: auto;
  }

  .faq-item summary,
  .faq-item p {
    text-align: center;
  }
  .faq-item summary { padding-right: 24px; }

  .form-row label { text-align: center; }

  .product-grid { grid-template-columns: 1fr; }
  .hero-float-1, .hero-float-2 { display: none; }

  .hero-title,
  .section-title {
    line-height: 1.4;
    word-break: keep-all;
  }
}