:root {
  --main-color: #0F6FD6;        /* 이 값 하나로 전체 색이 바뀐다 (아이콘의 보라색 부분 포함) */
  --main-dark: #0A52A3;         /* 메인 hover / 눌림 · 아이콘 그림자 쪽 */
  --point-color: #FFE7A6;       /* 히어로 패널 위 강조 글씨 (메인컬러 바탕 위라 노랑) */
  --main-soft: color-mix(in srgb, var(--main-color) 6%, #fff);    /* 선택된 칸 · 목록 hover */
  --main-tint: color-mix(in srgb, var(--main-color) 12%, #fff);   /* 태그 바탕 */
  --main-line: color-mix(in srgb, var(--main-color) 26%, #fff);   /* 포커스 링 */
  --pastel-1: color-mix(in srgb, var(--main-color) 11%, #fff);    /* 연보라 카드 */
  --pastel-2: #E3F6F4;                                             /* 연노랑 카드 */
  --pastel-2-ink: #0B6B62;                                         /* 연노랑 카드 제목 */

  --ink: #16181F;                /* 제목 */
  --body: #464B59;               /* 본문 */
  --muted: #7C8191;              /* 보조 글씨 */
  --line: #E4E6EE;               /* 구분선 */
  --bg: #F4F5F9;                 /* 회색 바탕 */
  --black-btn: #121318;          /* 동그란 검정 버튼 */
  --error: #F04452;

  --r-xl: 40px;                  /* 노치 카드 */
  --r-lg: 32px;                  /* 큰 카드 */
  --r-md: 24px;                  /* 보통 카드 */
  --r-sm: 16px;                  /* 입력칸 */

  --wrap: 1200px;
  --narrow: 900px;               /* 가운데 좁은 목록 (질문) */
  --sec-pad: 120px;              /* 섹션 위아래 여백 */

  /* 체크 아이콘 (흰 선) */
  --ico-check: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath d='M2.5 6.2 5 8.6l4.5-5' fill='none' stroke='%23fff' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.highlight {font-weight: 700; color: var(--main-color);}

/* 화면에는 안 보이고 스크린리더만 읽는다 */
.sr_only {position: absolute; width: 1px; height: 1px; margin: -1px; padding: 0; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;}

/* 아이콘 묶음 SVG — 자리 차지 없이 숨긴다 */
.ico_sprite {position: absolute; width: 0; height: 0; overflow: hidden;}


#section1 > .inner, #section_company > .inner,
#section2 > .inner,
#section3 > .inner, #section_point > .inner,
#section4 > .inner,
#section_process > .inner,
#section_qna > .inner, #section_guide > .inner {width: min(var(--wrap), calc(100% - 48px)); max-width: none; margin: 0 auto;}

/* 흰 섹션과 회색 섹션을 번갈아 둔다 */
/* 순서: hero(흰) → company(회) → section2(흰) → section3(회) → point(흰) → section4(회) → process(흰) → qna(회) → guide(흰) */
#section_company, #section2, #section3, #section_point, #section4, #section_process, #section_qna, #section_guide {padding: var(--sec-pad) 0;}
#section1, #section2, #section_point, #section_process, #section_guide {background: #fff; --notch-bg: #fff;}
#section_company, #section3, #section4, #section_qna {background: var(--bg); --notch-bg: var(--bg);}


/* ══════════════════════════════════════════════════
   ★ 노치(홈 파낸 모서리) — 이 랜딩의 핵심 모양
   카드에 .notch, 안에 .notch_hole 을 두면 오른쪽 아래가 둥글게 파이고 그 자리에 버튼이 들어간다.
   왼쪽 아래를 파려면 .notch_bl 을 더한다.
   홈은 '섹션 바탕색(--notch-bg)'으로 칠해서 파낸 것처럼 보이게 한다 — 섹션 바탕이 바뀌면 위 섹션 규칙에서 같이 바꾼다.
   --nw / --nh : 홈 너비·높이, --nr : 홈 곡선 반지름
   ══════════════════════════════════════════════════ */
.notch {position: relative; --nw: 84px; --nh: 84px; --nr: 26px;}
.notch:not(.notch_bl) {border-bottom-right-radius: 0 !important;}
.notch.notch_bl {border-bottom-left-radius: 0 !important;}

.notch_hole {position: absolute; right: 0; bottom: 0; z-index: 1; display: flex; align-items: flex-end; justify-content: flex-end; width: var(--nw); height: var(--nh); border-top-left-radius: var(--nr); background: var(--notch-bg);}
/* 홈 양옆 오목한 곡선 */
.notch_hole::before,
.notch_hole::after {content: ''; position: absolute; width: var(--nr); height: var(--nr); background: radial-gradient(circle at 0 0, transparent calc(var(--nr) - 0.6px), var(--notch-bg) var(--nr)); pointer-events: none;}
.notch_hole::before {right: 100%; bottom: 0;}
.notch_hole::after {right: 0; bottom: 100%;}

.notch_bl .notch_hole {right: auto; left: 0; justify-content: flex-start; border-top-left-radius: 0; border-top-right-radius: var(--nr);}
.notch_bl .notch_hole::before,
.notch_bl .notch_hole::after {background: radial-gradient(circle at 100% 0, transparent calc(var(--nr) - 0.6px), var(--notch-bg) var(--nr));}
.notch_bl .notch_hole::before {right: auto; left: 100%;}
.notch_bl .notch_hole::after {right: auto; left: 0;}

/* 동그란 버튼 — 기본 검정 ↗ / 흰색(.is_white) / 번호(.is_num) / 큰 것(.is_big) */
.round_btn {display: flex; align-items: center; justify-content: center; flex-shrink: 0; width: 64px; height: 64px; padding: 0; border: 0; border-radius: 50%; background: var(--black-btn); color: #fff; cursor: pointer; transition: background 0.2s, transform 0.2s, color 0.2s;}
.round_btn svg {width: 20px; height: 20px;}
.round_btn:hover {background: var(--main-color); transform: rotate(45deg);}
.round_btn:focus-visible {outline: 3px solid var(--main-line); outline-offset: 3px;}
.round_btn.is_big {width: 80px; height: 80px;}
.round_btn.is_big svg {width: 24px; height: 24px;}
.round_btn.is_white {width: 44px; height: 44px; background: #fff; color: var(--ink);}
.round_btn.is_white svg {width: 18px; height: 18px;}
.round_btn.is_white:hover {color: var(--main-color); transform: none;}
.round_btn.is_num {width: 56px; height: 56px; font-size: 19px; font-weight: 800; cursor: default;}
.round_btn.is_num:hover {background: var(--black-btn); transform: none;}

/* 카드 전체가 버튼처럼 — index.php 스크립트가 카드 클릭을 홈 안 버튼으로 넘긴다 */
.js_card {cursor: pointer; transition: box-shadow 0.2s;}
.js_card:hover .notch_hole .round_btn {background: var(--main-color); transform: rotate(45deg);}

/* 3D 느낌 아이콘 */
.ico3d {display: block; flex-shrink: 0; width: 96px; height: 96px;}


/* ══════ #section1 — 왼쪽 메인컬러 패널(슬라이드) + 오른쪽 폼 카드 ══════ */
/* 위 여백 — 헤더 높이(--hd-h)는 header.php 의 겹치기 규칙이 #section1 padding-top 으로 주고, 나머지는 .hero_wrap 이 준다 */
#section1 {position: relative;}
#section1 .hero_wrap {display: grid; grid-template-columns: minmax(0, 1fr) 440px; grid-template-rows: minmax(0, 1fr) auto; grid-template-areas: "panel form" "steps stats"; gap: 12px 20px; align-items: stretch; padding: 16px 0 64px;}
#section1 .hero_panel {grid-area: panel;}
#section1 .form_wrap {grid-area: form;}
#section1 .hero_steps {grid-area: steps;}
#section1 .hero_stats {grid-area: stats;}

/* ── 왼쪽 패널 ── */
#section1 .hero_panel {--nw: 400px; --nh: 76px; --nr: 34px; display: flex; min-height: 500px; overflow: hidden; border-radius: 44px; background: var(--main-color); color: #fff;}
/* 오른쪽 위 은은한 빛 */
#section1 .hero_panel::before {content: ''; position: absolute; top: -120px; right: -120px; width: 420px; height: 420px; border-radius: 50%; background: radial-gradient(circle, rgba(255, 255, 255, 0.16), transparent 70%); pointer-events: none;}

/* 슬라이드 — 모든 장을 같은 칸에 겹쳐 두고(가장 긴 장에 높이를 맞춘다) 보이는 장만 바꾼다 */
#section1 .hero_slides {position: relative; display: grid; flex: 1;}
#section1 .hero_slide {grid-area: 1 / 1; display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, 0.75fr); gap: 12px; padding: 60px 28px 110px 56px; opacity: 0; visibility: hidden; transition: opacity 0.5s, visibility 0.5s;}
#section1 .hero_slide.is_on {opacity: 1; visibility: visible;}

#section1 .hero_label {display: inline-block; padding: 7px 15px; border-radius: 999px; background: rgba(255, 255, 255, 0.16); font-size: 14px; font-weight: 700; line-height: 1.3;}
/* 제목 — <b> 노랑 / <em> 연한 칩. 보종 설명 + 비교 권유가 두 줄에 들어가도록 34px */
#section1 .hero_title {margin-top: 18px; font-size: 40px; font-weight: 800; line-height: 1.32; letter-spacing: -1.2px; color: #fff; word-break: keep-all;}
#section1 .hero_title b {font-weight: 800; color: var(--point-color);}
#section1 .hero_title em {padding: 0 8px; border-radius: 12px; background: rgba(255, 255, 255, 0.18); font-style: normal; -webkit-box-decoration-break: clone; box-decoration-break: clone;}
#section1 .hero_note {margin-top: 18px; font-size: 18px; line-height: 1.65; color: rgba(255, 255, 255, 0.88); word-break: keep-all;}

/* 흰 알약 버튼 (레퍼런스 '가입하기 >' 모양) */
#section1 .hero_btn {display: inline-flex; align-items: center; gap: 6px; height: 54px; margin-top: 34px; padding: 0 22px 0 28px; border: 0; border-radius: 999px; background: #fff; color: var(--main-dark); font-size: 17px; font-weight: 800; cursor: pointer; transition: transform 0.15s;}
#section1 .hero_btn svg {width: 18px; height: 18px; transition: transform 0.2s;}
#section1 .hero_btn:hover svg {transform: translateX(3px);}
#section1 .hero_btn:active {transform: scale(0.98);}

#section1 .hero_visual {display: flex; justify-content: center;}
#section1 .hero_visual img,
#section1 .hero_ill {display: block; width: 100%; max-width: 400px; height: auto;}

/* 슬라이드 컨트롤 — 왼쪽 아래 홈 안 */
#section1 .hero_ctrl {display: flex; align-items: center; gap: 16px; width: 100%; height: 100%; padding: 12px 0 0 6px;}
#section1 .ctrl_num {font-size: 16px; color: var(--muted); white-space: nowrap; font-variant-numeric: tabular-nums;}
#section1 .ctrl_num b {font-weight: 800; color: var(--ink);}
#section1 .ctrl_bar {flex: 1; max-width: 120px; height: 3px; overflow: hidden; border-radius: 3px; background: var(--line);}
#section1 .ctrl_bar i {display: block; width: 0; height: 100%; background: var(--ink);}
#section1 .ctrl_bar i.run {animation: ctrl_bar 5s linear forwards;}
#section1 .ctrl_bar i.paused {animation-play-state: paused;}
@keyframes ctrl_bar {to {width: 100%;}}
#section1 .ctrl_btns {display: flex; gap: 8px; margin: 0 18px 0 auto;}
/* 멈춤 ⏸ / 재생 ▶ 아이콘 */
#section1 .ctrl_pause span {position: relative; width: 12px; height: 13px; border-left: 3.5px solid var(--main-color); border-right: 3.5px solid var(--main-color);}
#section1 .ctrl_pause.is_paused span {width: 0; height: 0; margin-left: 4px; border-top: 7px solid transparent; border-bottom: 7px solid transparent; border-left: 11px solid var(--main-color); border-right: 0;}

/* ── 오른쪽 폼 카드 — 한 화면에 다섯 칸, 버튼 한 번 ── */
#section1 .form_wrap {display: flex; flex-direction: column; padding: 34px 30px 28px; border-radius: 44px; background: var(--pastel-1); scroll-margin-top: 100px;}
.form_wrap .form_head {display: flex; align-items: flex-start; justify-content: space-between; gap: 10px; margin-bottom: 20px;}
.form_wrap .form_head h2 {font-size: 25px; font-weight: 800; line-height: 1.35; letter-spacing: -0.8px; color: var(--ink); word-break: keep-all;}
.form_wrap .form_head h2 b {color: var(--main-color);}
.form_wrap .form_ico {flex-shrink: 0; width: 58px; height: 58px; margin-top: -6px;}

.form_wrap .form_fields {display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px 10px;}
.form_wrap .field {min-width: 0;}
.form_wrap .field.is_full {grid-column: 1 / -1;}
.form_wrap .field > label,
.form_wrap .field_label {display: block; margin-bottom: 6px; font-size: 14px; font-weight: 700; color: var(--body);}

/* 입력칸 — 흰 바탕, 포커스 때 메인컬러 테두리 */
.form_wrap input[type='text'],
.form_wrap .phone_select,
.form_wrap .region_select,
.form_wrap .select_btn {display: block; width: 100%; height: 52px; padding: 0 16px; border: 1.5px solid transparent; border-radius: var(--r-sm); background: #fff; font-size: 16px; font-weight: 600; color: var(--ink); outline: none; transition: border-color 0.15s, box-shadow 0.15s;}
.form_wrap input[type='text']::placeholder {font-weight: 500; color: #A6AAB8;}
.form_wrap input[type='text']:focus,
.form_wrap .phone_select:focus,
.form_wrap .region_select:focus,
.form_wrap .select_btn:focus-visible,
.form_wrap .select_wrap.open .select_btn {border-color: var(--main-color); box-shadow: 0 0 0 4px var(--main-tint);}

/* 선택칸 — 오른쪽 화살표 */
.form_wrap .phone_select,
.form_wrap .region_select,
.form_wrap .select_btn {padding-right: 38px; background: #fff url("../img/arrow_down.svg") no-repeat right 12px center / 16px; -webkit-appearance: none; appearance: none; cursor: pointer;}
.form_wrap .region_select:has(option[value='']:checked) {font-weight: 500; color: #A6AAB8;}
.form_wrap .region_select option {font-weight: 500; color: var(--ink);}

/* 성별 — 흰 바 안 두 칸, 고르면 검정 */
.form_wrap .gender_wrap {display: grid; grid-template-columns: 1fr 1fr; gap: 4px; height: 52px; padding: 4px; border-radius: var(--r-sm); background: #fff;}
.form_wrap .gender_wrap input[type='radio'] {position: absolute; opacity: 0; pointer-events: none;}
.form_wrap .gender_wrap label {display: flex; align-items: center; justify-content: center; margin: 0; border-radius: 12px; font-size: 16px; font-weight: 700; color: var(--muted); cursor: pointer; user-select: none; transition: background 0.15s, color 0.15s;}
.form_wrap .gender_wrap input[type='radio']:checked + label {background: var(--black-btn); color: #fff;}
.form_wrap .gender_wrap input[type='radio']:focus-visible + label {outline: 3px solid var(--main-line); outline-offset: 1px;}

/* 지역 목록 — PC(마우스)에서만 index.php 스크립트가 .is_custom 을 붙이고 직접 만든 목록을 보여 준다.
   기본 select 의 펼침 목록은 높이를 정할 수 없어서다. 모바일은 기본 선택창 그대로.
   값은 숨겨 둔 원래 select 에 들어가므로 공용 main.js 의 검사·전송은 그대로 동작한다. */
.form_wrap .select_wrap {position: relative;}
.form_wrap .select_wrap.is_custom .region_select {position: absolute; inset: 0; opacity: 0; pointer-events: none;}
.form_wrap .select_btn {text-align: left; white-space: nowrap; overflow: hidden; text-overflow: ellipsis;}
.form_wrap .select_btn.is_placeholder {font-weight: 500; color: #A6AAB8;}
.form_wrap .select_list {
  position: absolute; top: calc(100% + 6px); left: 0; right: 0; z-index: 30;
  display: none;
  max-height: 228px;              /* 목록 최대 높이 — 넘치면 안에서 스크롤 */
  overflow-y: auto; overscroll-behavior: contain;
  padding: 6px; border-radius: var(--r-sm); background: #fff;
  box-shadow: 0 18px 40px -16px rgba(20, 20, 50, 0.35), 0 0 0 1px var(--line);
  scrollbar-width: thin; scrollbar-color: #D1D6DB transparent;
}
.form_wrap .select_list::-webkit-scrollbar {width: 6px;}
.form_wrap .select_list::-webkit-scrollbar-thumb {border-radius: 6px; background: #D1D6DB;}
.form_wrap .select_wrap.up .select_list {top: auto; bottom: calc(100% + 6px);}   /* 아래 공간이 모자라면 위로 연다 */
.form_wrap .select_wrap.open .select_list {display: block; animation: select_open 0.15s ease;}
@keyframes select_open {from {opacity: 0; transform: translateY(-4px);} to {opacity: 1; transform: none;}}
.form_wrap .select_list li {padding: 10px 12px; border-radius: 10px; font-size: 15px; font-weight: 600; line-height: 1.4; color: var(--body); cursor: pointer;}
.form_wrap .select_list li.is_active {background: var(--main-soft); color: var(--ink);}
.form_wrap .select_list li[aria-selected='true'] {color: var(--main-color); font-weight: 700;}

/* 연락처 — 국번 | 번호 */
.form_wrap .phone_input_wrap {display: grid; grid-template-columns: 96px minmax(0, 1fr); gap: 8px;}

/* 신청 버튼 — 메인컬러 알약 */
.form_wrap .submit_btn {
  display: flex; align-items: center; justify-content: center; gap: 6px;
  width: 100%; height: 60px; margin-top: 18px; padding: 0 24px;
  border: 0; border-radius: 999px; background: var(--main-color); color: #fff;
  font-size: 18px; font-weight: 800; letter-spacing: -0.3px; cursor: pointer;
  box-shadow: 0 12px 26px -12px color-mix(in srgb, var(--main-color) 85%, transparent);
  transition: background 0.15s, transform 0.1s;
}
.form_wrap .submit_btn svg {width: 18px; height: 18px; transition: transform 0.15s;}
.form_wrap .submit_btn:hover {background: var(--main-dark);}
.form_wrap .submit_btn:hover svg {transform: translateX(3px);}
.form_wrap .submit_btn:active {transform: scale(0.98);}
.form_wrap .submit_btn:focus-visible {outline: 3px solid var(--main-line); outline-offset: 3px;}

.form_wrap .form_privacy {margin-top: 10px; font-size: 13px; color: var(--muted); text-align: center; word-break: keep-all;}

/* 신뢰 지표 — 폼 카드 밖, 바로 아래 회색 띠 하나에 3칸(사이 세로선). 왼쪽 '신청부터 가입까지' 띠와 높이를 맞춘다 */
#section1 .hero_stats {display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); align-items: center; padding: 10px 8px; border-radius: 28px; background: var(--bg);}
#section1 .hero_stats li {position: relative; display: flex; flex-direction: column; align-items: center; gap: 1px; padding: 0 4px; text-align: center;}
#section1 .hero_stats li + li::before {content: ''; position: absolute; left: 0; top: 18%; bottom: 18%; width: 1px; background: var(--line);}
#section1 .hero_stats strong {font-size: 21px; font-weight: 800; line-height: 1.2; letter-spacing: -0.5px; color: var(--main-color);}
#section1 .hero_stats strong small {margin-left: 1px; font-size: 14px; font-weight: 700;}
#section1 .hero_stats span {font-size: 12.5px; font-weight: 600; color: var(--body); word-break: keep-all;}

/* 신청부터 가입까지 — PC 는 왼쪽 패널 아래 회색 가로 띠(라벨 | 1 ─ 2 ─ 3 ─ 4), 마지막(가입 결정)만 메인컬러로 채운다 */
#section1 .hero_steps {display: flex; align-items: center; gap: 24px; padding: 18px 28px; border-radius: 28px; background: var(--bg);}
#section1 .hero_steps_label {flex-shrink: 0; font-size: 14px; font-weight: 800; color: var(--muted); white-space: nowrap;}
#section1 .hero_steps ol {display: flex; align-items: center; flex: 1; min-width: 0;}
#section1 .hero_steps li {display: flex; align-items: center; gap: 8px; flex: 1; min-width: 0;}
#section1 .hero_steps li:last-child {flex: none;}
/* 단계 사이 연결선 */
#section1 .hero_steps li:not(:last-child)::after {content: ''; flex: 1; min-width: 12px; height: 2px; margin: 0 4px; border-radius: 2px; background: var(--main-line);}
#section1 .hero_steps .num {display: flex; align-items: center; justify-content: center; flex-shrink: 0; width: 26px; height: 26px; border-radius: 50%; background: #fff; box-shadow: inset 0 0 0 1.5px var(--main-line); font-size: 12.5px; font-weight: 800; color: var(--main-color);}
#section1 .hero_steps .txt {font-size: 14px; font-weight: 700; line-height: 1.35; color: var(--ink); white-space: nowrap;}
#section1 .hero_steps li:last-child .num {background: var(--main-color); box-shadow: none; color: #fff;}
#section1 .hero_steps li:last-child .txt {color: var(--main-color);}


/* ══════ 섹션 머리 (왼쪽 정렬 · Q&A 만 가운데) ══════ */
.title_wrap {max-width: 760px; margin: 0 0 48px;}
.title_wrap.is_center {margin: 0 auto 48px; text-align: center;}
.title_wrap .section_label {display: inline-block; font-size: 14px; font-weight: 800; letter-spacing: 1px; color: var(--main-color);}
.title_wrap h2 {margin-top: 12px; font-size: 40px; font-weight: 800; line-height: 1.3; letter-spacing: -1.5px; color: var(--ink); word-break: keep-all;}
.title_wrap h2 b {color: var(--main-color);}
.title_wrap p {margin-top: 14px; font-size: 17px; line-height: 1.7; color: var(--body); word-break: keep-all;}


/* ── section_company: 보험사 — 두 줄이 반대로 흐른다 ── */
#section_company .company_marquee {display: flex; flex-direction: column; gap: 12px;}
#section_company .marquee_row {overflow: hidden; -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);}
#section_company .marquee_track {display: flex; width: max-content; animation: marquee 36s linear infinite;}
#section_company .marquee_row.reverse .marquee_track {animation-direction: reverse;}
@keyframes marquee {from {transform: translateX(0);} to {transform: translateX(-50%);}}

/* 같은 목록을 두 번 이어 붙여 끊김 없이 돈다 — 목록 오른쪽 여백 = 칸 사이 간격 */
#section_company .company_list {display: flex; gap: 12px; padding-right: 12px;}
/* 섹션 바탕이 회색이라 카드는 흰 알약 */
#section_company .company_list li {display: flex; align-items: center; justify-content: center; flex-shrink: 0; width: 210px; height: 84px; padding: 0 24px; border-radius: 999px; background: #fff;}

/* 보험사 텍스트 로고 — 이니셜(--co-init)은 크고 굵게, 나머지 글자(--co-rest)는 조금 작게 */
#section_company .co_logo {display: flex; align-items: center; gap: 2px; color: var(--co-rest); font-size: 23px; font-weight: 800; letter-spacing: -1px; line-height: 1; white-space: nowrap;}
#section_company .co_logo b {color: var(--co-init); font-size: 1.3em; font-weight: 900; letter-spacing: 0;}

#section_company .company_foot {margin-top: 32px; font-size: 14px; line-height: 1.6; color: var(--muted); word-break: keep-all;}


/* ── section2: 비교가 필요한 이유 — 파스텔 노치 카드 3장 ── */
#section2 .why_list {display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px;}
#section2 .why_list li {display: flex; flex-direction: column; min-height: 320px; padding: 36px 36px 30px; border-radius: var(--r-xl); background: var(--pastel-1);}
#section2 .why_list li:nth-child(2) {background: var(--pastel-2);}
#section2 h3 {margin-bottom: 10px; font-size: 24px; font-weight: 800; line-height: 1.35; letter-spacing: -0.7px; color: var(--main-dark); word-break: keep-all;}
#section2 .why_list li:nth-child(2) h3 {color: var(--pastel-2-ink);}
#section2 p {padding-right: 8px; font-size: 16px; line-height: 1.7; color: var(--body); word-break: keep-all;}
#section2 p b {font-weight: 700; color: var(--ink);}
#section2 .ico3d {margin-top: auto; padding-top: 20px; box-sizing: content-box;}


/* ── section3: 보장 구성 — 아이콘 + 글 흰 타일 ── */
#section3 .coverage_list {display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px;}
#section3 .coverage_list li {display: flex; align-items: center; gap: 18px; padding: 26px 24px; border-radius: var(--r-lg); background: #fff;}
#section3 .coverage_list li.is_main {background: var(--pastel-1);}
#section3 .ico3d {width: 72px; height: 72px;}
#section3 .cov_txt {min-width: 0;}
#section3 .tag {display: inline-block; margin-bottom: 6px; padding: 3px 11px; border-radius: 999px; background: var(--main-tint); font-size: 12.5px; font-weight: 800; color: var(--main-dark);}
#section3 .is_main .tag {background: var(--main-color); color: #fff;}
#section3 h3 {font-size: 18px; font-weight: 800; line-height: 1.4; letter-spacing: -0.5px; color: var(--ink); word-break: keep-all;}
#section3 .coverage_list p {margin-top: 2px; font-size: 14.5px; line-height: 1.65; color: var(--body); word-break: keep-all;}


/* ── section_point: 비교 포인트 — 왼쪽 메인컬러 패널 + 오른쪽 2×2 ── */
#section_point .point_wrap {display: grid; grid-template-columns: 400px minmax(0, 1fr); gap: 20px;}
#section_point .point_side {display: flex; flex-direction: column; padding: 40px; border-radius: var(--r-xl); background: var(--main-color); color: #fff;}
#section_point .point_side h3 {font-size: 28px; font-weight: 800; line-height: 1.35; letter-spacing: -0.8px; word-break: keep-all;}
#section_point .point_side p {margin-top: 12px; font-size: 16px; line-height: 1.7; color: rgba(255, 255, 255, 0.86); word-break: keep-all;}
#section_point .point_side .ico3d {width: 140px; height: 140px; margin-top: auto; padding-top: 24px; align-self: flex-end; box-sizing: content-box;}
#section_point .point_list {display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px;}
#section_point .point_list li {padding: 28px; border-radius: var(--r-lg); background: var(--bg);}
#section_point .point_num {display: flex; align-items: center; justify-content: center; width: 38px; height: 38px; margin-bottom: 16px; border-radius: 50%; background: var(--black-btn); font-size: 14px; font-weight: 800; color: #fff;}
#section_point .point_list h3 {margin-bottom: 8px; font-size: 20px; font-weight: 800; line-height: 1.35; letter-spacing: -0.5px; color: var(--ink); word-break: keep-all;}
#section_point .point_list h3 b {color: var(--main-color);}
#section_point .point_list p {font-size: 15px; line-height: 1.7; color: var(--body); word-break: keep-all;}

/* 가입 조건 · 심사 방식 — 회색 큰 판 */
#section_point .join_wrap {margin-top: 64px; padding: 48px 48px 44px; border-radius: var(--r-xl); background: var(--bg);}
#section_point .join_head h3 {font-size: 28px; font-weight: 800; line-height: 1.35; letter-spacing: -0.8px; color: var(--ink); word-break: keep-all;}
#section_point .join_head h3 b {color: var(--main-color);}
#section_point .join_head p {margin-top: 8px; font-size: 15px; line-height: 1.6; color: var(--muted); word-break: keep-all;}

/* 가입 조건 — 흰 타일 2×2 */
#section_point .join_table {display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; margin-top: 28px;}
#section_point .join_table > div {padding: 22px 26px; border-radius: var(--r-md); background: #fff;}
#section_point .join_table dt {font-size: 14px; font-weight: 800; color: var(--main-color);}
#section_point .join_table dd {margin: 6px 0 0; font-size: 16px; line-height: 1.65; color: var(--body); word-break: keep-all;}

/* 심사 방식 — 흰 카드 3장 */
#section_point .join_sub {margin: 40px 0 18px; font-size: 21px; font-weight: 800; letter-spacing: -0.5px; color: var(--ink); word-break: keep-all;}
#section_point .join_types {display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px;}
#section_point .join_types > li {padding: 28px 26px 30px; border-radius: var(--r-md); background: #fff;}
#section_point .join_types strong {display: block; font-size: 20px; font-weight: 800; letter-spacing: -0.5px; color: var(--ink);}
#section_point .join_lead {display: inline-block; margin-top: 8px; padding: 5px 12px; border-radius: 999px; background: var(--main-tint); font-size: 13px; font-weight: 700; color: var(--main-dark);}
#section_point .join_types ul {margin-top: 18px;}
#section_point .join_types ul li {position: relative; padding-left: 14px; font-size: 15px; line-height: 1.65; color: var(--body); word-break: keep-all;}
#section_point .join_types ul li + li {margin-top: 8px;}
#section_point .join_types ul li::before {content: ''; position: absolute; left: 0; top: 0.72em; width: 5px; height: 5px; border-radius: 50%; background: var(--main-color);}


/* ── section4: 가입 전 확인사항 — 왼쪽 목록 + 오른쪽 노란 노치 CTA ── */
#section4 .check_wrap {display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr); gap: 20px; align-items: stretch;}
#section4 .checklist {display: flex; flex-direction: column; gap: 12px;}
#section4 .checklist li {display: grid; grid-template-columns: 40px minmax(0, 1fr); gap: 18px; align-items: start; padding: 24px 28px; border-radius: var(--r-md); background: #fff;}
#section4 .num {display: flex; align-items: center; justify-content: center; width: 40px; height: 40px; border-radius: 50%; background: var(--main-color); font-size: 14px; font-weight: 800; color: #fff;}
#section4 h3 {margin: 2px 0 6px; font-size: 19px; font-weight: 800; letter-spacing: -0.5px; color: var(--ink); word-break: keep-all;}
#section4 .txt p {font-size: 15px; line-height: 1.7; color: var(--body); word-break: keep-all;}

/* 중간 CTA — 노란 노치 카드, 홈 안 큰 검정 버튼 */
#section4 .cta_box {--nw: 104px; --nh: 104px; --nr: 30px; display: flex; flex-direction: column; min-height: 360px; padding: 44px 40px 36px; border-radius: var(--r-xl); background: var(--pastel-2);}
#section4 .cta_title {font-size: 30px; font-weight: 800; line-height: 1.4; letter-spacing: -1px; color: var(--ink); word-break: keep-all;}
#section4 .cta_title b {color: var(--main-color);}
#section4 .cta_sub {margin-top: 10px; font-size: 16px; color: var(--body);}
#section4 .cta_box .ico3d {width: 130px; height: 130px; margin-top: auto; padding-top: 24px; box-sizing: content-box;}


/* ── section_process: 진행 순서 — 노치 카드, 홈 안에 단계 번호 ── */
#section_process .process_list {display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px;}
#section_process .process_list li {--nw: 76px; --nh: 76px; --nr: 22px; display: flex; flex-direction: column; min-height: 250px; padding: 30px 28px; border-radius: var(--r-lg); background: var(--pastel-1);}
#section_process .process_list li:nth-child(even) {background: var(--pastel-2);}
#section_process .ico3d {width: 56px; height: 56px; margin-bottom: 20px;}
#section_process h3 {margin-bottom: 8px; font-size: 20px; font-weight: 800; letter-spacing: -0.5px; color: var(--ink); word-break: keep-all;}
#section_process p {padding-right: 44px; font-size: 15px; line-height: 1.65; color: var(--body); word-break: keep-all;}


/* ── 자주 묻는 질문 — 둥근 칸 목록, 열면 연보라 ── */
#section_qna .qna_list {display: flex; flex-direction: column; gap: 12px; max-width: var(--narrow); margin: 0 auto;}
#section_qna .qna_item {border-radius: 30px; background: #fff; transition: background 0.2s;}
#section_qna .qna_question {display: flex; align-items: center; gap: 14px; width: 100%; padding: 16px 16px 16px 28px; border: 0; background: none; text-align: left; cursor: pointer;}
#section_qna .qna_num {flex-shrink: 0; font-size: 18px; font-weight: 800; color: var(--main-color);}
#section_qna .qna_text {flex: 1; font-size: 17px; font-weight: 700; line-height: 1.45; letter-spacing: -0.4px; color: var(--ink); word-break: keep-all;}

/* 동그란 화살표 — 열리면 뒤집힌다 */
#section_qna .qna_icon {display: flex; align-items: center; justify-content: center; flex-shrink: 0; width: 44px; height: 44px; border-radius: 50%; background: var(--bg); color: var(--ink); transition: background 0.15s, color 0.15s, transform 0.25s;}
#section_qna .qna_icon svg {width: 18px; height: 18px;}
#section_qna .qna_question:hover .qna_icon {background: var(--main-tint);}

#section_qna .qna_answer {display: none; padding: 0 28px 26px 59px;}
#section_qna .qna_answer p {font-size: 16px; line-height: 1.75; color: var(--body); word-break: keep-all;}

#section_qna .qna_item.active {background: var(--pastel-1);}
#section_qna .qna_item.active .qna_icon {background: var(--black-btn); color: #fff; transform: rotate(180deg);}
#section_qna .qna_item.active .qna_answer {display: block; animation: qna_open 0.3s ease;}
@keyframes qna_open {from {opacity: 0; transform: translateY(-6px);} to {opacity: 1; transform: translateY(0);}}


/* ── 서브페이지로 가는 '자세히 보기' 링크 ── */
.more_link {display: inline-flex; align-items: center; gap: 6px; font-size: 16px; font-weight: 700; color: var(--main-color); word-break: keep-all;}
.more_link::after,
#section4 .check_link::after,
#section_qna .qna_more::after {content: '›'; font-size: 1.3em; line-height: 1; transition: transform 0.15s;}
.more_link:hover::after,
#section4 .check_link:hover::after,
#section_qna .qna_more:hover::after {transform: translateX(3px);}
#section4 .check_link {display: inline-flex; align-items: center; gap: 4px; margin-top: 12px; padding: 7px 14px; border-radius: 999px; background: var(--bg); font-size: 14px; font-weight: 700; color: var(--body); word-break: keep-all;}
#section_qna .qna_more {display: inline-flex; align-items: center; gap: 4px; margin-top: 12px; font-size: 15px; font-weight: 700; color: var(--main-color);}

/* 섹션 아래 '자세히 보기' 링크 */
.sec_more {margin-top: 28px; text-align: center;}


/* ── section_guide: 서브페이지로 가는 노치 카드 (레퍼런스 카드 모양 그대로) ── */
#section_guide .guide_list {display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px;}
#section_guide .guide_list li:nth-child(even) .guide_card {background: var(--pastel-2);}
#section_guide .guide_card {--nw: 80px; --nh: 80px; --nr: 24px; display: flex; flex-direction: column; align-items: flex-start; height: 100%; min-height: 280px; padding: 30px 28px 26px; border-radius: var(--r-xl); background: var(--pastel-1); color: inherit; text-decoration: none; transition: transform 0.2s;}
#section_guide .guide_card:hover {transform: translateY(-4px);}
#section_guide .guide_card:hover .round_btn {background: var(--main-color); transform: rotate(45deg);}
#section_guide .guide_card:focus-visible {outline: 3px solid var(--main-line); outline-offset: 3px;}
#section_guide .guide_tag {display: inline-block; padding: 5px 11px; border-radius: 999px; background: rgba(255, 255, 255, 0.8); font-size: 12px; font-weight: 700; color: var(--main-color);}
#section_guide .guide_card strong {display: block; margin: 14px 0 6px; font-size: 20px; font-weight: 800; line-height: 1.4; letter-spacing: -0.5px; color: var(--ink); word-break: keep-all;}
#section_guide .guide_card p {font-size: 15px; line-height: 1.6; color: var(--body); word-break: keep-all;}
#section_guide .ico3d {width: 80px; height: 80px; margin-top: auto; padding-top: 18px; box-sizing: content-box;}
#section_guide .round_btn {width: 60px; height: 60px;}


/* ── 스크롤 등장 효과 — index.php 스크립트가 .reveal 을 붙이고, 화면에 들어오면 .is_in ── */
.reveal {opacity: 0; transform: translateY(28px); transition: opacity 0.6s ease, transform 0.6s ease;}
.reveal.is_in {opacity: 1; transform: none;}


/* ══════════════════════════════════════════════════
   반응형
   ══════════════════════════════════════════════════ */

@media (max-width: 1300px) {
  .inner {width: 93%;}
}

@media (max-width: 1200px) {
  :root {--sec-pad: 104px;}
  #section1 .hero_wrap {grid-template-columns: minmax(0, 1fr) 410px;}
  #section1 .hero_slide {padding-left: 44px;}
  #section1 .hero_title {font-size: 32px;}
  #section1 .form_wrap {padding: 30px 24px 24px;}
  #section1 .hero_steps {gap: 16px; padding: 16px 20px;}
  #section1 .hero_steps_label {display: none;}
  #section1 .hero_steps .txt {font-size: 13.5px;}

  #section_point .point_wrap {grid-template-columns: 320px minmax(0, 1fr);}
  #section_guide .guide_list {grid-template-columns: repeat(2, minmax(0, 1fr));}
}

/* 한 단 — 패널 → 폼 */
@media (max-width: 1150px) {
  :root {--sec-pad: 92px;}
  #section1 > .inner, #section_company > .inner,
  #section2 > .inner,
  #section3 > .inner, #section_point > .inner,
  #section4 > .inner,
  #section_process > .inner,
  #section_qna > .inner, #section_guide > .inner {width: min(720px, calc(100% - 32px));}

  #section1 .hero_wrap {grid-template-columns: minmax(0, 1fr); grid-template-rows: auto; grid-template-areas: "panel" "form" "stats" "steps"; padding-bottom: 56px;}
  #section1 .hero_steps_label {display: block;}
  #section1 .hero_panel {min-height: 470px;}
  #section1 .hero_title {font-size: 36px;}
  #section1 .form_wrap {border-radius: 36px; scroll-margin-top: 84px;}

  #section2 .why_list, #section3 .coverage_list {grid-template-columns: repeat(2, minmax(0, 1fr));}
  #section2 .why_list li:last-child {grid-column: 1 / -1; min-height: 0;}
  #section_point .point_wrap {grid-template-columns: minmax(0, 1fr);}
  #section_point .point_side .ico3d {width: 100px; height: 100px;}
  #section_point .join_wrap {padding: 40px 28px 36px;}
  #section_point .join_types {grid-template-columns: minmax(0, 1fr);}
  #section4 .check_wrap {grid-template-columns: minmax(0, 1fr);}
  #section_process .process_list {grid-template-columns: repeat(2, minmax(0, 1fr));}
}

@media (max-width: 768px) {
  :root {--sec-pad: 80px;}
  #section1 .hero_wrap {gap: 12px; padding: 4px 0 40px;}

  /* 패널을 낮게 — 첫 화면에 폼이 바로 걸치게 */
  #section1 .hero_panel {--nw: 210px; --nh: 58px; --nr: 24px; min-height: 300px; border-radius: 30px;}
  #section1 .hero_slide {grid-template-columns: minmax(0, 1fr) 92px; align-items: start; gap: 4px; padding: 26px 0 74px 22px;}
  #section1 .hero_label {padding: 5px 11px; font-size: 12.5px;}
  #section1 .hero_title {margin-top: 12px; font-size: 21px; letter-spacing: -0.7px;}
  #section1 .hero_note {margin-top: 10px; font-size: 14.5px;}
  #section1 .hero_note br {display: none;}
  #section1 .hero_btn {display: none;}   /* 폼이 바로 아래에 있어서 뺀다 */
  #section1 .hero_visual {margin: 34px 10px 0 0;}
  #section1 .hero_ctrl {gap: 8px; padding: 8px 0 0 12px;}
  #section1 .ctrl_bar {display: none;}
  #section1 .ctrl_num {font-size: 14px;}
  #section1 .ctrl_btns {gap: 4px; margin-right: 4px;}
  #section1 .ctrl_btns .round_btn {width: 38px; height: 38px;}

  #section1 .form_wrap {padding: 26px 18px 20px; border-radius: 30px;}
  .form_wrap .form_head {margin-bottom: 16px;}
  .form_wrap .form_head h2 {font-size: 21px;}
  .form_wrap .form_ico {width: 46px; height: 46px;}

  /* 신청부터 가입까지 — 폼 아래, 라벨 위 + 번호 위·글자 아래 4칸 */
  #section1 .hero_steps {display: block; padding: 14px 10px 12px; border-radius: 22px;}
  #section1 .hero_steps_label {margin-bottom: 10px; font-size: 12.5px; text-align: center;}
  #section1 .hero_steps ol {display: grid; grid-template-columns: repeat(4, minmax(0, 1fr));}
  #section1 .hero_steps li {position: relative; flex-direction: column; gap: 6px; text-align: center;}
  #section1 .hero_steps li:not(:last-child)::after {display: none;}
  #section1 .hero_steps li + li::before {content: ''; position: absolute; top: 12px; right: calc(50% + 17px); width: calc(100% - 34px); height: 2px; border-radius: 2px; background: var(--main-line);}
  #section1 .hero_steps .num {width: 24px; height: 24px; font-size: 12px;}
  #section1 .hero_steps .txt {font-size: 12.5px; white-space: normal; word-break: keep-all;}

  .title_wrap {margin-bottom: 32px;}
  .title_wrap h2 {font-size: 30px; letter-spacing: -1px;}
  .title_wrap p {font-size: 16px;}

  #section_company .company_list li {width: 170px; height: 72px; padding: 0 18px;}
  #section_company .co_logo {font-size: 19px;}

  #section2 .why_list, #section3 .coverage_list, #section_point .point_list, #section_point .join_table {grid-template-columns: minmax(0, 1fr);}
  #section2 .why_list li {min-height: 250px; padding: 28px 26px 24px; border-radius: var(--r-lg);}
  #section2 .why_list li:last-child {grid-column: auto; min-height: 250px;}
  #section2 h3 {font-size: 21px;}
  #section2 .ico3d {width: 76px; height: 76px;}

  #section_point .point_side {padding: 30px; border-radius: var(--r-lg);}
  #section_point .point_side h3 {font-size: 24px;}

  #section4 .cta_box {min-height: 300px; padding: 32px 26px 28px; border-radius: var(--r-lg);}
  #section4 .cta_title {font-size: 24px;}
  #section4 .cta_box .ico3d {width: 100px; height: 100px;}

  #section_qna .qna_question {padding: 12px 12px 12px 22px;}
  #section_qna .qna_text {font-size: 16px;}
  #section_qna .qna_answer {padding: 0 22px 22px;}

  #section_guide .guide_list {grid-template-columns: minmax(0, 1fr);}
  #section_guide .guide_card {min-height: 220px; border-radius: var(--r-lg);}
}

@media (max-width: 550px) {
  :root {--sec-pad: 64px;}
  #section1 > .inner, #section_company > .inner,
  #section2 > .inner,
  #section3 > .inner, #section_point > .inner,
  #section4 > .inner,
  #section_process > .inner,
  #section_qna > .inner, #section_guide > .inner {width: calc(100% - 28px);}

  .form_wrap .form_fields {gap: 10px 8px;}
  .form_wrap .field > label, .form_wrap .field_label {margin-bottom: 5px; font-size: 13.5px;}
  .form_wrap input[type='text'], .form_wrap .phone_select, .form_wrap .region_select, .form_wrap .select_btn {padding: 0 14px;}
  .form_wrap .phone_select, .form_wrap .region_select {padding-right: 30px; background-position: right 10px center;}
  .form_wrap .phone_input_wrap {grid-template-columns: 88px minmax(0, 1fr);}
  .form_wrap .submit_btn {height: 58px; margin-top: 16px; font-size: 17px;}
  .form_wrap .form_privacy {font-size: 12.5px;}
  #section1 .hero_stats {padding: 12px 4px; border-radius: 22px;}
  #section1 .hero_stats li {padding: 0 2px;}
  #section1 .hero_stats strong {font-size: 20px;}
  #section1 .hero_stats span {font-size: 12px;}
  #section1 .hero_steps {padding: 12px 6px 10px; border-radius: 18px;}
  #section1 .hero_steps .txt {font-size: 12px;}
  #section1 .hero_steps li + li::before {top: 11px;}

  .title_wrap {margin-bottom: 28px;}
  .title_wrap .section_label {font-size: 12.5px;}
  .title_wrap h2 {margin-top: 10px; font-size: 26px; letter-spacing: -0.8px;}
  .title_wrap p {margin-top: 12px; font-size: 15px;}
  .title_wrap h2 br {display: none;}

  #section_company .company_marquee {gap: 8px;}
  #section_company .company_list {gap: 8px; padding-right: 8px;}
  #section_company .company_list li {width: 140px; height: 60px; padding: 0 14px;}
  #section_company .co_logo {font-size: 16px;}
  #section_company .company_foot {margin-top: 24px; font-size: 13px;}

  #section2 p {font-size: 15px;}

  #section3 .coverage_list li {gap: 14px; padding: 20px 18px; border-radius: var(--r-md);}
  #section3 .ico3d {width: 56px; height: 56px;}
  #section3 .coverage_list p {font-size: 14px;}

  #section_point .point_side .ico3d {width: 80px; height: 80px;}
  #section_point .point_list li {padding: 22px 20px; border-radius: var(--r-md);}
  #section_point .point_list h3 {font-size: 18px;}
  #section_point .point_list p {font-size: 14.5px;}
  #section_point .join_wrap {margin-top: 40px; padding: 30px 16px 22px; border-radius: var(--r-lg);}
  #section_point .join_head h3 {font-size: 22px;}
  #section_point .join_head p {font-size: 13.5px;}
  #section_point .join_table > div {padding: 18px 20px;}
  #section_point .join_table dd {font-size: 15px;}
  #section_point .join_sub {margin: 30px 0 14px; font-size: 18px;}
  #section_point .join_types > li {padding: 22px 20px 24px;}
  #section_point .join_types strong {font-size: 18px;}
  #section_point .join_types ul li {font-size: 14.5px;}

  #section4 .checklist {gap: 10px;}
  #section4 .checklist li {grid-template-columns: 34px minmax(0, 1fr); gap: 14px; padding: 20px 18px;}
  #section4 .num {width: 34px; height: 34px; font-size: 13px;}
  #section4 h3 {font-size: 17px;}
  #section4 .txt p {font-size: 14.5px;}
  #section4 .cta_box {--nw: 88px; --nh: 88px; min-height: 260px;}
  #section4 .cta_title {font-size: 22px;}
  #section4 .cta_box .round_btn.is_big {width: 68px; height: 68px;}

  #section_process .process_list {grid-template-columns: minmax(0, 1fr); gap: 12px;}
  #section_process .process_list li {--nw: 68px; --nh: 68px; min-height: 0; padding: 24px 22px; border-radius: var(--r-md);}
  #section_process .ico3d {width: 48px; height: 48px; margin-bottom: 14px;}
  #section_process h3 {font-size: 18px;}
  #section_process p {padding-right: 52px; font-size: 14.5px;}
  #section_process .round_btn.is_num {width: 50px; height: 50px; font-size: 17px;}

  #section_qna .qna_list {gap: 10px;}
  #section_qna .qna_item {border-radius: 24px;}
  #section_qna .qna_question {gap: 10px; padding: 10px 10px 10px 18px;}
  #section_qna .qna_num {font-size: 16px;}
  #section_qna .qna_text {font-size: 15.5px;}
  #section_qna .qna_icon {width: 38px; height: 38px;}
  #section_qna .qna_answer {padding: 0 18px 20px;}
  #section_qna .qna_answer p {font-size: 15px;}

  #section_guide .guide_card {min-height: 200px; padding: 24px 22px 22px;}
  #section_guide .guide_card strong {font-size: 18px;}
  #section_guide .guide_card p {font-size: 14.5px;}
  #section_guide .ico3d {width: 64px; height: 64px;}

  .more_link {font-size: 15px;}
}

/* 아주 좁을 때 — 폼 한 줄에 한 칸, 패널 그림 작게 */
@media (max-width: 360px) {
  .form_wrap .form_fields {grid-template-columns: minmax(0, 1fr);}
  .form_wrap .phone_input_wrap {grid-template-columns: 82px minmax(0, 1fr);}
  #section1 .hero_slide {grid-template-columns: minmax(0, 1fr) 80px; padding-left: 18px;}
  #section1 .hero_title {font-size: 20px;}
  #section1 .hero_stats strong {font-size: 18px;}
  #section1 .hero_stats span {font-size: 11.5px;}
  #section1 .hero_steps .txt {font-size: 11.5px;}
}

@media (hover: none) {
  .round_btn:hover {background: var(--black-btn); transform: none;}
  .js_card:hover {box-shadow: none;}
  .js_card:hover .notch_hole .round_btn {background: var(--black-btn); transform: none;}
  .round_btn.is_white:hover {background: #fff; color: var(--ink);}
  #section1 .hero_btn:hover svg {transform: none;}
  .form_wrap .submit_btn:hover {background: var(--main-color);}
  .form_wrap .submit_btn:hover svg {transform: none;}
  #section_qna .qna_question:hover .qna_icon {background: var(--bg);}
  #section_qna .qna_item.active .qna_question:hover .qna_icon {background: var(--black-btn);}
  #section_guide .guide_card:hover {transform: none;}
  #section_guide .guide_card:hover .round_btn {background: var(--black-btn); transform: none;}
  .more_link:hover::after, #section4 .check_link:hover::after, #section_qna .qna_more:hover::after {transform: none;}
}

@media (prefers-reduced-motion: reduce) {
  #section1 .hero_slide {transition: none;}
  #section1 .ctrl_bar i.run {animation: none;}
  .round_btn, .form_wrap .submit_btn, .form_wrap .submit_btn svg, .form_wrap .gender_wrap label,
  .form_wrap input[type='text'], .form_wrap .phone_select, .form_wrap .region_select, .form_wrap .select_btn {transition: none;}
  .form_wrap .select_wrap.open .select_list {animation: none;}
  #section_qna .qna_item.active .qna_answer {animation: none;}
  #section_qna .qna_icon, #section_guide .guide_card {transition: none;}

  /* 보험사 카드는 흐르지 않고 한 번만 나란히 보인다 */
  #section_company .marquee_track {width: auto; animation: none;}
  #section_company .marquee_row {-webkit-mask-image: none; mask-image: none;}
  #section_company .marquee_row.reverse,
  #section_company .company_list[aria-hidden="true"] {display: none;}
  #section_company .company_list {flex-wrap: wrap; justify-content: center; padding-right: 0;}

  .reveal {opacity: 1; transform: none; transition: none;}
}

/* ══════════════════════════════════════════════════
   아래는 기존과 같은 공용 영역 — 하단 고지, 푸터, 모바일 헤더, 신청 유도 버튼, 약관 페이지
   ══════════════════════════════════════════════════ */

.bottom_wrap { padding:40px 0; background:#f7f7f7; border-top:1px solid #e5e5e5; }
.bottom_wrap .inner { max-width:1200px; margin:0 auto; }
.bottom_wrap .inner h3 { margin:0 0 20px; font-size:20px; font-weight:700; color:#333; }
.bottom_wrap .inner ul { margin:0; padding:0; list-style:none; }
.bottom_wrap .inner ul li {font-size:15px; line-height:1.8; color:#555; word-break:keep-all; }
.bottom_wrap .inner ul li:last-child { margin-bottom:0; }
.bottom_wrap .inner .compliance_info { margin-top:25px; padding-top:20px; border-top:1px solid #ddd; }
.bottom_wrap .inner .compliance_info p { margin:6px 0; font-size:14px; line-height:1.7; color:#666; }
.bottom_wrap .inner .compliance_info p strong { font-weight:700; color:#444; }

/* ── 푸터 ── */
.footer {padding: 54px 0 48px; background: #252525; color: rgba(255, 255, 255, 0.68);}
.footer_main {display: flex; align-items: flex-start; justify-content: space-between; gap: 40px;}
.footer_info {display: flex; flex-wrap: wrap; align-items: center; gap: 7px 18px; max-width: 760px; font-style: normal; font-size: 14px; line-height: 1.7;}
.footer_info strong {width: 100%; margin-bottom: 2px; color: #fff; font-size: 17px; font-weight: 700; letter-spacing: -0.3px;}
.footer_info span {position: relative;}
.footer_info span + span::before {content: ''; position: absolute; left: -10px; top: 50%; width: 3px; height: 3px; transform: translateY(-50%); border-radius: 50%; background: rgba(255, 255, 255, 0.35);}
.footer_info .addr {flex-basis: 100%;}
.footer_info .addr::before {display: none;}
.footer_links {display: flex; align-items: center; gap: 22px; flex-shrink: 0;}
.footer_links a {position: relative; font-size: 14px; font-weight: 600; color: #fff; transition: opacity 0.15s ease;}
.footer_links a:hover {opacity: 0.65;}
.footer_links a + a::before {content: ''; position: absolute; left: -11px; top: 50%; width: 1px; height: 12px; transform: translateY(-50%); background: rgba(255, 255, 255, 0.28);}
.footer .copyright {margin-top: 30px; padding-top: 22px; border-top: 1px solid rgba(255, 255, 255, 0.14); font-size: 13px; color: rgba(255, 255, 255, 0.45);}


/* ── 신청 유도 플로팅 버튼 (모바일 전용) ── */
.to_top {
  position: fixed; left: 50%; bottom: 24px; z-index: 40;
  display: flex; align-items: center; justify-content: center; gap: 10px;
  height: 60px; padding: 0 30px;
  border: 0; border-radius: 999px;
  background: var(--main-color); color: #fff;
  font-size: 17px; font-weight: 700; letter-spacing: -0.3px; white-space: nowrap;
  box-shadow: 0 12px 32px color-mix(in srgb, var(--main-color) 35%, transparent);
  cursor: pointer;
  opacity: 0; visibility: hidden;
  transform: translate(-50%, 24px);
  transition: opacity 0.25s ease, visibility 0.25s ease, transform 0.3s ease, background 0.15s;
}
.to_top.show {opacity: 1; visibility: visible; transform: translate(-50%, 0);}
.to_top:hover {background: var(--main-dark);}
.to_top svg {width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round;}

/* 어두운 푸터 위에 올라오면 색을 뒤집는다 */
.to_top.on_dark {background: #fff; color: var(--main-color); box-shadow: 0 12px 32px rgba(0, 0, 0, 0.3);}

/* 신청 유도 플로팅 버튼 — 모바일(768px 이하)에서만 보인다. PC는 헤더의 '무료 상담' 버튼이 같은 역할을 한다 */
@media (min-width: 769px) {
  .to_top {display: none;}
}

@media (max-width: 550px) {
  .to_top {left: 16px; right: 16px; bottom: 12px; height: 56px; transform: translateY(24px);}
  .to_top.show {transform: translateY(0);}
}
@media (hover: none) {
  .to_top:hover {background: var(--main-color);}
  .to_top.on_dark:hover {background: #fff;}
}
@media (prefers-reduced-motion: reduce) {
  .to_top {transition: none;}
}

@media (max-width: 768px) {
  .m_header_bar .logo {width: 120px;}
  .m_header_bar .m_header_date {font-size: 14px;}

  .footer {padding: 38px 0 100px;}
  .footer_main {flex-direction: column; gap: 22px;}
  .footer_info {gap: 5px 16px; margin-top: 20px; font-size: 13.5px;}
  .footer .copyright {margin-top: 18px; font-size: 12.5px;}

  .bottom_wrap {padding: 32px 0;}
  .bottom_wrap .inner h3 {margin-bottom: 14px; font-size: 17px;}
  .bottom_wrap .inner ul li {font-size: 13.5px; line-height: 1.75;}
  .bottom_wrap .inner .compliance_info p {font-size: 13px;}
}


/* ══════ 약관 문서 페이지 (개인정보처리방침 · 이용약관) ══════ */
.doc_page {padding: 70px 0 90px;}
.doc_page .inner {max-width: 860px;}

.doc_back {display: inline-block; margin-bottom: 20px; color: #888; font-size: 14px; transition: color 0.15s ease;}
.doc_back:hover {color: var(--main-color);}

.doc_page h1 {padding-bottom: 24px; border-bottom: 2px solid #222; font-size: 32px; font-weight: 800; letter-spacing: -0.5px;}

.doc_body {padding-top: 34px; color: #555; font-size: 16px; line-height: 1.8; word-break: keep-all;}
.doc_body h3 {margin: 40px 0 14px; color: #222; font-size: 19px; font-weight: 700;}
.doc_body h3:first-child {margin-top: 0;}
.doc_body p {margin-bottom: 14px;}
.doc_body a {color: var(--main-color); font-weight: 600; text-decoration: underline;}

.doc_body ul {margin: 0 0 14px; padding-left: 4px; list-style: none;}
.doc_body ul li {position: relative; padding-left: 15px; margin-bottom: 7px;}
.doc_body ul li::before {content: ''; position: absolute; left: 0; top: 12px; width: 4px; height: 4px; border-radius: 50%; background: #bbb;}

.doc_body table {width: 100%; margin: 0 0 18px; border-top: 2px solid var(--main-color); border-collapse: collapse;}
.doc_body table th,
.doc_body table td {padding: 14px 16px; border-bottom: 1px solid #e8ecf1; font-size: 15px; line-height: 1.7; text-align: left; vertical-align: top;}
.doc_body table th {width: 150px; background: #f7f9fc; color: #333; font-weight: 700;}

.doc_body .note {padding: 16px 18px; border-radius: 12px; background: #f5f7fa; color: #666; font-size: 14.5px; line-height: 1.75;}

@media (max-width: 768px) {
  .doc_page {padding: 40px 0 70px;}
  .doc_page h1 {padding-bottom: 18px; font-size: 24px;}
  .doc_body {padding-top: 26px; font-size: 15px;}
  .doc_body h3 {margin: 32px 0 12px; font-size: 17px;}

  .doc_body table,
  .doc_body table tbody,
  .doc_body table tr,
  .doc_body table th,
  .doc_body table td {display: block; width: 100%;}
  .doc_body table tr:first-child {display: none;}
  .doc_body table tr {padding: 13px 0; border-bottom: 1px solid #e8ecf1;}
  .doc_body table tr:last-child {border-bottom: 0;}
  .doc_body table th,
  .doc_body table td {padding: 0; border: 0;}
  .doc_body table th {margin-bottom: 4px; background: none; color: #888; font-size: 13.5px; font-weight: 600;}
  .doc_body table td {font-size: 14.5px; color: #555;}
  .doc_body .note {font-size: 13.5px;}
}