/* ===== Toss-Inspired Design System ===== */
:root {
  /* Blue Color Scale (Primary) */
  --blue-50:  #EBF2FE;
  --blue-100: #D6E4FD;
  --blue-200: #ADC8FB;
  --blue-300: #84ADF9;
  --blue-400: #5B91F7;
  --blue-500: #3182F6;
  --blue-600: #1B64DA;
  --blue-700: #1450B5;
  --blue-800: #0D3C90;
  --blue-900: #0B2447;

  /* Semantic Aliases (backward compatible) */
  --toss-blue: var(--blue-500);
  --toss-blue-dark: var(--blue-600);
  --toss-blue-light: var(--blue-400);
  --toss-blue-bg: var(--blue-50);
  --toss-green: #1BC47D;
  --toss-red: #F04452;

  /* Gray Scale */
  --toss-black: #191F28;
  --toss-gray-900: #333D4B;
  --toss-gray-700: #4E5968;
  --toss-gray-500: #6B7684;
  --toss-gray-400: #8B95A1;
  --toss-gray-300: #B0B8C1;
  --toss-gray-200: #D1D6DB;
  --toss-gray-100: #E5E8EB;
  --toss-gray-50: #F2F4F6;
  --white: #FFFFFF;

  --shadow-xs: 0 1px 2px rgba(0, 0, 0, .04);
  --shadow-sm: 0 2px 8px rgba(0, 0, 0, .06);
  --shadow-md: 0 4px 16px rgba(0, 0, 0, .08);
  --shadow-lg: 0 8px 32px rgba(0, 0, 0, .1);
  --appearance: none;
  --radius: 12px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --transition: .2s ease;
}

/* ===== Reset & App-like Optimization ===== */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
  -webkit-tap-highlight-color: transparent; /* 안드로이드 터치 하이라이트 방지 */
}

html {
  scroll-behavior: smooth
}

body {
  font-family: 'Pretendard Variable', 'Pretendard', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--toss-black);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
  font-size: 16px;
  letter-spacing: -.02em;
  -webkit-font-smoothing: antialiased;
  overscroll-behavior-y: none; /* 안드로이드 스크롤 바운스 / Pull-to-refresh 방지 */
}

/* ===== Typography - Heading Font Override ===== */
h1, h2, h3, h4, h5, h6,
.hero-title,
.hero-desc,
.section-label,
.section-title,
.trust-kicker,
.trust-section-title,
.trust-title,
.trust-emphasis,
.benefit-kicker,
.benefit-title,
.how-title,
.hw-step-title,
.review-kicker,
.review-title,
.review-card-title,
.faq-title,
.faq-question,
.cta-title,
.footer-title,
.float-btn-text,
.fixed-btn-text {
  font-family: 'IBM Plex Sans KR', 'Pretendard Variable', 'Pretendard', sans-serif !important;
}

img {
  max-width: 100%;
  display: block
}

a {
  text-decoration: none;
  color: inherit;
  touch-action: manipulation; /* 더블 탭 확대 방지 */
  user-select: none;
  -webkit-user-select: none;
  -webkit-touch-callout: none;
}

button {
  cursor: pointer;
  border: none;
  background: none;
  font-family: inherit;
  touch-action: manipulation;
  user-select: none;
  -webkit-user-select: none;
  -webkit-touch-callout: none;
}

input,
select,
textarea {
  font-family: inherit;
  outline: none
}

ul {
  list-style: none
}

/* ===== Utilities ===== */
.container {
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 24px
}

.section-padding {
  padding: 96px 0
}

.text-center {
  text-align: center
}

.section-label {
  font-size: 14px;
  font-weight: 700;
  color: var(--toss-blue);
  margin-bottom: 12px
}

.section-title {
  font-size: 36px;
  font-weight: 800;
  color: var(--toss-black);
  line-height: 1.3;
  margin-bottom: 12px;
  letter-spacing: -.03em
}

.section-desc {
  font-size: 16px;
  color: var(--toss-gray-500);
  line-height: 1.5;
  margin-bottom: 40px;
  font-weight: 400
}

.fade-in.visible {
  opacity: 1;
  transform: translateY(0)
}

/* ===== HEADER & NAV ===== */
.header {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 72px;
  background: rgba(255, 255, 255, 0.8);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  z-index: 1000;
  border-bottom: 1px solid var(--toss-gray-100);
  transition: var(--transition);
}

.header-inner {
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo {
  display: flex;
  align-items: center;
}

.logo img {
  height: 48px;
  /* 크기 소폭 확대 */
  width: auto;
  display: block;
  filter: drop-shadow(0 2px 4px rgba(0, 0, 0, 0.05)) contrast(1.1);
  /* 시인성 강화를 위한 필터 */
  transition: transform 0.3s ease;
}

.logo:hover img {
  transform: scale(1.02);
}

.nav-list {
  display: flex;
  gap: 32px;
}

.nav-link {
  font-size: 15px;
  font-weight: 600;
  color: var(--toss-gray-700);
  transition: var(--transition);
  position: relative;
  padding: 8px 0;
}

.nav-link:hover {
  color: var(--toss-blue);
}

.nav-link.active {
  color: var(--toss-blue);
}

.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 2px;
  background: var(--toss-blue);
  border-radius: 2px;
}

.btn-nav-cta {
  padding: 12px 24px;
  background: var(--toss-blue);
  color: var(--white);
  border-radius: 12px;
  font-size: 14px;
  font-weight: 700;
  transition: var(--transition);
}

.btn-nav-cta:hover {
  background: var(--toss-blue-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(49, 130, 246, 0.2);
}

/* ===== HAMBURGER BUTTON (모바일 전용) ===== */
.hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  width: 44px;
  height: 44px;
  padding: 0;
  background: none;
  border: none;
  cursor: pointer;
  z-index: 1002;
  position: relative;
}

.hamburger-line {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--toss-gray-900);
  border-radius: 2px;
  transition: transform 0.3s cubic-bezier(0.4, 0, 0.2, 1),
              opacity 0.3s ease;
}

.hamburger-line + .hamburger-line {
  margin-top: 5px;
}

/* 햄버거 → X 전환 애니메이션 */
.hamburger.active .hamburger-line:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.hamburger.active .hamburger-line:nth-child(2) {
  opacity: 0;
  transform: scaleX(0);
}

.hamburger.active .hamburger-line:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* 네비게이션 내 모바일 전화번호 (데스크톱 숨김) */
.nav-mobile-phone {
  display: none;
}

/* 오버레이 (데스크톱 숨김) */
.nav-overlay {
  display: none;
}

@media (max-width: 768px) {

  /* 햄버거 버튼 표시 */
  .hamburger {
    display: flex;
  }

  /* 데스크톱 전화 pill 숨김 */
  .header-cta {
    display: none;
  }

  /* 네비게이션을 오른쪽 슬라이드 패널로 전환 */
  .nav {
    position: fixed;
    top: 0;
    right: 0;
    width: 280px;
    max-width: 80vw;
    height: 100vh;
    height: 100dvh;
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    z-index: 1001;
    padding: 88px 28px 40px;
    transform: translateX(100%);
    transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1);
    box-shadow: -8px 0 32px rgba(0, 0, 0, 0.08);
    overflow-y: auto;
    display: flex;
    flex-direction: column;
  }

  .nav.open {
    transform: translateX(0);
  }

  /* 메뉴 리스트를 세로 배치 */
  .nav-list {
    flex-direction: column;
    gap: 0;
  }

  .nav-list li {
    border-bottom: 1px solid var(--toss-gray-100);
  }

  .nav-list li:last-child {
    border-bottom: none;
  }

  .nav-link {
    display: block;
    padding: 16px 4px;
    font-size: 17px;
    font-weight: 600;
    color: var(--toss-gray-900);
    transition: color 0.2s ease, background 0.2s ease;
    border-radius: 8px;
  }

  .nav-link:hover,
  .nav-link:active {
    color: var(--toss-blue);
    background: var(--toss-blue-bg);
  }

  .nav-link.active {
    color: var(--toss-blue);
    font-weight: 700;
  }

  .nav-link.active::after {
    display: none;
  }

  /* 모바일 전화번호 링크 */
  .nav-mobile-phone {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    margin-top: auto;
    padding: 14px;
    background: var(--toss-green);
    color: var(--white);
    font-size: 16px;
    font-weight: 700;
    border-radius: 12px;
    transition: background 0.2s ease;
    text-decoration: none;
  }

  .nav-mobile-phone:active {
    background: #17a86c;
  }

  /* 오버레이 */
  .nav-overlay {
    display: block;
    position: fixed;
    inset: 0;
    background: rgba(0, 0, 0, 0.4);
    z-index: 999;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.3s ease, visibility 0.3s ease;
  }

  .nav-overlay.active {
    opacity: 1;
    visibility: visible;
  }
}

/* ===== HERO — 2 column with illustration ===== */
.hero {
  background: var(--white);
  padding: 152px 0 48px;
  min-height: auto;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -10%;
  right: -5%;
  width: 60%;
  height: 120%;
  background: radial-gradient(circle at center, rgba(49, 130, 246, 0.03) 0%, transparent 70%);
  z-index: 0;
  pointer-events: none;
}

.hero-inner,
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 40px;
  position: relative;
  z-index: 2;
}

.hero-content,
.hero-copy {
  text-align: left;
  max-width: 100%;
  opacity: 1 !important;
  transform: none !important;
}

.hero-illust {
  display: flex !important;
  align-items: center;
  justify-content: center;
  opacity: 1 !important;
  transform: none !important;
}

.hero-illust img {
  max-width: 100%;
  height: auto
}

.hero-said {
  font-size: 17px;
  font-weight: 600;
  color: var(--toss-blue);
  margin-bottom: 6px
}

.hero-main-tit {
  font-size: 54px;
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -.03em;
  color: var(--toss-gray-900);
  margin-top: 8px;
}

.hero-main-accent {
  color: var(--toss-blue);
  display: inline
}

/* ===== Hero Title & Branding (현재 HTML 구조 대응) ===== */
.hero-title {
  font-size: 38px;
  font-weight: 800;
  line-height: 1.4;
  letter-spacing: -.03em;
  color: var(--toss-gray-900);
  margin-bottom: 20px;
}

.hero-title .highlight {
  color: var(--toss-blue);
  position: relative;
}

.highlight-sub {
  color: var(--toss-blue);
  font-weight: 700;
}

.badge {
  display: inline-block;
  padding: 8px 16px;
  background: var(--toss-blue-bg);
  color: var(--toss-blue);
  font-size: 14px;
  font-weight: 700;
  border-radius: 20px;
  margin-bottom: 20px;
}

.hero-btns {
  display: flex;
  gap: 12px;
  margin-top: 28px;
}

/* ===== Buttons ===== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  height: 48px;
  padding: 12px 24px;
  font-weight: 700;
  border-radius: 12px;
  transition: all 0.2s ease;
  cursor: pointer;
  text-decoration: none;
  border: none;
}

.btn-primary {
  background: var(--toss-blue);
  color: var(--white);
}

.btn-primary:hover {
  background: var(--toss-blue-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(49, 130, 246, 0.3);
}

.btn-outline {
  background: transparent;
  color: var(--toss-gray-700);
  border: 1.5px solid var(--toss-gray-200);
}

.btn-outline:hover {
  border-color: var(--toss-blue);
  color: var(--toss-blue);
  transform: translateY(-2px);
}

.btn-lg {
  height: 52px;
  padding: 12px 32px;
  font-size: 17px;
}

.btn-sm {
  padding: 10px 20px;
  font-size: 14px;
}

.hero-sub {
  font-size: 17px;
  color: var(--toss-gray-500);
  margin-top: 12px;
  line-height: 1.6;
  font-weight: 500
}

/* Slider Nav Styling */
.hero-slider-nav {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: 32px;
  justify-content: flex-start;
}

.nav-play-pause {
  color: var(--toss-gray-900);
  opacity: 0.8;
  display: flex;
  align-items: center;
}

.nav-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--toss-gray-500);
  opacity: 0.3;
  transition: all 0.3s ease;
}

.nav-dot.active {
  width: 28px;
  height: 10px;
  border-radius: 5px;
  background: var(--toss-blue);
  opacity: 1;
}

/* Floating Animation */
@keyframes float {
  0% {
    transform: translateY(0px);
  }

  50% {
    transform: translateY(-15px);
  }

  100% {
    transform: translateY(0px);
  }
}

.floating-illust {
  width: 100%;
  max-width: 500px;
  height: auto;
  display: block;
  margin: 0 auto;
  filter: drop-shadow(0 10px 30px rgba(0, 0, 0, 0.08));
  animation: float 6s ease-in-out infinite;
}

/* Floating Quick Form */
.floating-form-container {
  position: fixed !important;
  top: 130px !important;
  right: 48px !important;
  z-index: 10000 !important;
  width: 300px;
  transition: opacity 0.3s ease, transform 0.3s ease;
  opacity: 0;
  pointer-events: none;
  transform: translateY(10px);
}

.floating-form-container.visible {
  opacity: 1;
  pointer-events: auto;
  transform: translateY(0);
}

.floating-form-card {
  background: rgba(255, 255, 255, 0.98);
  padding: 24px;
  border-radius: 16px;
  box-shadow: 0 12px 64px rgba(0, 0, 0, 0.15);
  border: 1px solid var(--toss-gray-100);
  backdrop-filter: blur(15px);
  -webkit-backdrop-filter: blur(15px);
}

.hero-title {
  font-size: 44px;
  font-weight: 800;
  line-height: 1.3;
  color: var(--toss-gray-900);
  margin-bottom: 20px;
  animation: fadeIn 0.8s ease-out;
}

.hero-title .highlight {
  color: var(--toss-blue);
  position: relative;
}

.highlight-sub {
  color: var(--toss-blue);
  font-weight: 700;
}

.form-tit {
  font-size: 18px;
  font-weight: 800;
  color: var(--toss-gray-900);
  margin-bottom: 20px;
  text-align: center;
}

.floating-form-card .form-group {
  margin-bottom: 8px;
}

.floating-form-card input,
.floating-form-card select {
  width: 100%;
  height: 44px;
  padding: 0 12px;
  border-radius: 10px;
  border: 1px solid var(--toss-gray-200);
  background: var(--toss-gray-50);
  font-size: 14px;
  font-weight: 500;
  transition: var(--transition);
  color: var(--toss-gray-900);
}

.floating-form-card input:focus,
.floating-form-card select:focus {
  border-color: var(--toss-blue);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(49, 130, 246, 0.1);
  outline: none;
}

.floating-form-card .form-consent {
  margin: 12px 0 16px;
}

.checkbox-label {
  display: flex;
  align-items: center;
  gap: 6px;
  cursor: pointer;
  user-select: none;
}

.checkbox-text {
  font-size: 12px;
  color: var(--toss-gray-600);
  font-weight: 500;
}

.btn-hero-form {
  width: 100%;
  height: 48px;
  background: var(--toss-blue);
  color: var(--white);
  border: none;
  border-radius: 10px;
  font-size: 14px;
  font-weight: 700;
  cursor: pointer;
  transition: var(--transition);
}

.btn-hero-form:hover {
  background: var(--toss-blue-dark);
  transform: translateY(-1px);
}

.form-notice {
  font-size: 13px;
  color: var(--toss-blue);
  margin-top: 12px;
  font-weight: 600;
  text-align: center;
}

.form-legal-notice {
  margin-top: 16px;
  padding-top: 16px;
  border-top: 1px solid var(--toss-gray-100);
  text-align: left;
}

.form-legal-notice p {
  font-size: 11px;
  color: var(--toss-gray-500);
  line-height: 1.6;
  margin-bottom: 2px;
}

@media (max-width: 1280px) {
  .floating-form-container {
    right: 20px;
    width: 280px;
  }
}

@media (max-width: 1024px) {
  .floating-form-container {
    display: none;
  }
}

/* ===== HERO INLINE FORM (가로 1줄) ===== */
.hero-form-bar {
  max-width: 860px;
  margin: 40px auto 0;
  background: var(--white);
  border: 1px solid var(--toss-gray-100);
  border-radius: var(--radius-xl);
  padding: 8px 8px 8px 28px;
  display: flex;
  align-items: center;
  gap: 12px;
  box-shadow: var(--shadow-md);
}

.hero-form-bar input,
.hero-form-bar select {
  flex: 1;
  min-width: 0;
  border: none;
  background: transparent;
  padding: 14px 0;
  font-size: 15px;
  color: var(--toss-black);
}

.hero-form-bar input::placeholder {
  color: var(--toss-gray-300)
}

.hero-form-bar select {
  color: var(--toss-gray-500);
  appearance: var(--appearance);
  -webkit-appearance: none;
}

.hero-form-bar .divider {
  width: 1px;
  height: 28px;
  background: var(--toss-gray-100);
  flex-shrink: 0
}

.hero-form-bar .btn-submit {
  flex-shrink: 0;
  padding: 14px 32px;
  background: var(--toss-blue);
  color: var(--white);
  font-size: 16px;
  font-weight: 700;
  border-radius: var(--radius-xl);
  transition: var(--transition);
  white-space: nowrap;
}

.hero-form-bar .btn-submit:hover {
  background: var(--toss-blue-dark)
}

.hero-form-notice {
  text-align: center;
  margin-top: 12px;
  font-size: 13px;
  color: var(--toss-gray-400)
}

/* ===== TRUST STATS / PRODUCT QUICK NAV ===== */
.trust-stats {
  background: #f4f5f7;
  padding: 88px 0 96px;
}

.trust-intro {
  max-width: 760px;
  margin: 0 auto 44px;
  text-align: center;
}

.trust-section-title {
  font-size: 28px;
  line-height: 1.3;
  letter-spacing: -0.03em;
  color: #16202c;
  margin-bottom: 12px;
}

.trust-section-title span {
  color: #19bfdc;
}

.trust-section-desc {
  font-size: 15px;
  line-height: 1.7;
  color: #5e6b7a;
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 22px;
}

.trust-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  min-height: 100%;
  background: rgba(255, 255, 255, 0.55);
  border-radius: 28px;
  padding: 34px 30px 32px;
  text-align: center;
  border: 1px solid rgba(255, 255, 255, 0.72);
  transition: transform 0.28s ease, box-shadow 0.28s ease, background 0.28s ease;
}

.product-link {
  cursor: pointer;
}

.trust-card:hover {
  transform: translateY(-6px);
  background: #ffffff;
  box-shadow: 0 22px 42px rgba(22, 32, 44, 0.08);
}

.trust-visual {
  width: 112px;
  height: 112px;
  object-fit: contain;
  margin-bottom: 18px;
}

.trust-label {
  font-size: 13px;
  color: #7c8796;
  font-weight: 700;
  margin-bottom: 12px;
  letter-spacing: -0.01em;
}

.trust-title {
  font-size: 24px;
  color: #16202c;
  font-weight: 800;
  line-height: 1.26;
  letter-spacing: -0.03em;
  margin-bottom: 8px;
}

.trust-emphasis {
  font-size: 18px;
  line-height: 1.34;
  font-weight: 800;
  color: #16202c;
  margin-bottom: 18px;
}

.trust-card-copy {
  font-size: 15px;
  line-height: 1.68;
  color: #5f6b7b;
  letter-spacing: -0.01em;
  max-width: 26ch;
  margin: 0;
}

@media (max-width: 968px) {
  .trust-section-title {
    font-size: 42px;
  }

  .trust-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }
}

@media (max-width: 640px) {
  .trust-stats {
    padding: 64px 0 72px;
  }

  .trust-section-title {
    font-size: 34px;
  }

  .trust-section-desc {
    font-size: 15px;
  }

  .trust-card {
    padding: 28px 22px 26px;
  }

  .trust-title {
    font-size: 22px;
  }

  .trust-emphasis,
  .trust-card-copy {
    font-size: 14px;
  }
}

/* ===== BIZ LOAN SECTION (사업자 담보대출) ===== */
.biz-loan-section {
  background: var(--white);
}

.biz-loan-subtitle {
  font-size: 24px;
  font-weight: 800;
  color: var(--toss-blue);
  margin-bottom: 40px;
  letter-spacing: -0.02em;
}

.biz-loan-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  text-align: left;
}

.biz-loan-card {
  background: var(--toss-gray-50);
  border-radius: 16px;
  padding: 32px 28px;
  border: 1px solid var(--toss-gray-100);
}

.biz-loan-card-title {
  font-size: 20px;
  font-weight: 800;
  color: var(--toss-black);
  margin-bottom: 6px;
}

.biz-loan-card-desc {
  font-size: 14px;
  color: var(--toss-gray-500);
  margin-bottom: 20px;
  font-weight: 500;
}

.biz-loan-list li {
  padding: 6px 0;
  font-size: 15px;
  color: var(--toss-gray-700);
  display: flex;
  align-items: flex-start;
  gap: 8px;
  line-height: 1.5;
}

.biz-loan-list li::before {
  content: '✔';
  color: #1BC47D;
  font-weight: 700;
  flex-shrink: 0;
}

@media (max-width: 640px) {
  .biz-loan-grid {
    grid-template-columns: 1fr;
  }

  .biz-loan-subtitle {
    font-size: 20px;
  }
}

/* ===== PRODUCT CARDS (3열 - legacy) ===== */
.products-section {
  background: var(--white)
}

.products-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px
}

.product-card {
  background: var(--toss-gray-50);
  border-radius: 16px;
  padding: 24px;
  border: 1px solid transparent;
  transition: var(--transition)
}

.product-card:hover {
  border-color: var(--toss-blue);
  box-shadow: 0 4px 20px rgba(49, 130, 246, .1)
}

.product-card .card-icon {
  margin-bottom: 16px;
  display: flex;
  justify-content: center
}

.product-card h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--toss-black);
  margin-bottom: 8px
}

.product-card .product-rate {
  font-size: 14px;
  color: var(--toss-blue);
  font-weight: 700;
  margin-bottom: 16px
}

.product-card ul {
  margin-bottom: 24px
}

.product-card ul li {
  padding: 8px 0;
  font-size: 14px;
  color: var(--toss-gray-700);
  display: flex;
  align-items: center;
  gap: 8px
}

.product-card ul li::before {
  content: '';
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: var(--toss-blue);
  flex-shrink: 0
}

.product-card .btn-card {
  display: block;
  padding: 12px;
  background: var(--toss-blue);
  color: var(--white);
  border-radius: 10px;
  font-size: 15px;
  font-weight: 600;
  text-align: center;
  transition: var(--transition)
}

.product-card .btn-card:hover {
  background: var(--toss-blue-dark)
}

/* ===== INFO (2열 가계/사업자) ===== */
.info-section {
  background: var(--toss-gray-50)
}

.info-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px
}

.info-box {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 32px
}

.info-tit {
  font-size: 24px;
  font-weight: 800;
  color: var(--toss-black);
  margin-bottom: 24px
}

.info-box.accent .info-tit {
  color: var(--toss-blue)
}

.info-box ul li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px 0;
  border-bottom: 1px solid var(--toss-gray-50)
}

.info-box ul li:last-child {
  border-bottom: none
}

.info-num {
  width: 28px;
  height: 28px;
  min-width: 28px;
  border-radius: 50%;
  font-size: 13px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--toss-black);
  color: var(--toss-blue)
}

.info-box.accent .info-num {
  background: var(--toss-blue);
  color: var(--white)
}

.info-type {
  font-size: 15px;
  font-weight: 700;
  color: var(--toss-gray-700);
  min-width: 60px
}

.info-val {
  font-size: 15px;
  color: var(--toss-gray-900);
  line-height: 1.4
}

/* ===== STEP (진행 방식) ===== */
.how-section {
  background: var(--white)
}

.how-timeline {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px
}

.how-step {
  text-align: center;
  position: relative
}

.how-step::after {
  content: '→';
  position: absolute;
  right: -16px;
  top: 40%;
  font-size: 24px;
  color: var(--toss-gray-300);
  font-weight: 300
}

.how-step:last-child::after {
  display: none
}

.step-circle {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: var(--toss-blue-bg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px
}

.step-circle svg {
  stroke: var(--toss-blue)
}

.how-step h4 {
  font-size: 18px;
  font-weight: 700;
  color: var(--toss-black);
  margin-bottom: 8px
}

.how-step p {
  font-size: 14px;
  color: var(--toss-gray-500);
  line-height: 1.5
}

/* ===== SIMULATOR ===== */
.simulator-section {
  background: var(--toss-gray-50)
}

.simulator-card {
  max-width: 620px;
  margin: 0 auto;
  background: var(--white);
  border-radius: 16px;
  padding: 32px 24px
}

.sim-group {
  margin-bottom: 24px
}

.sim-group label {
  display: flex;
  justify-content: space-between;
  font-size: 15px;
  font-weight: 600;
  color: var(--toss-gray-700);
  margin-bottom: 12px
}

.sim-group label span {
  color: var(--toss-blue);
  font-size: 20px;
  font-weight: 800
}

.sim-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: var(--toss-gray-100);
  outline: none
}

.sim-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--toss-blue);
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(49, 130, 246, .3);
  border: 3px solid var(--white)
}

.sim-slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--toss-blue);
  cursor: pointer;
  border: 3px solid var(--white)
}

.sim-result {
  background: var(--toss-blue-bg);
  border-radius: var(--radius);
  padding: 24px;
  text-align: center
}

.sim-result .result-label {
  font-size: 14px;
  color: var(--toss-gray-500);
  margin-bottom: 6px
}

.sim-result .result-value {
  font-size: 36px;
  font-weight: 800;
  color: var(--toss-blue);
  letter-spacing: -.02em
}

/* ===== TESTIMONIALS (Swiper) ===== */
.testimonials-section {
  background: var(--white);
  overflow: hidden;
  padding: 48px 0;
}

.reviewSwiper {
  width: 100%;
  padding: 8px 0 40px !important;
}

.reviewSwiper .swiper-wrapper {
  transition-timing-function: linear !important;
}

/* ===== Review Card V2 — 가로형 프리미엄 ===== */
.review-card-v2 {
  display: flex !important;
  min-width: 520px;
  background: #ffffff !important;
  border-radius: 16px !important;
  border: 1px solid #E5E8EB;
  overflow: hidden;
  transition: box-shadow 0.25s ease, border-color 0.25s ease;
}

.review-card-v2:hover {
  border-color: var(--toss-blue);
  box-shadow: 0 8px 28px rgba(49, 130, 246, 0.1);
}

.rv2-left {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 14px;
  padding: 24px 28px;
  min-width: 180px;
  background: #F7F9FB;
  border-right: 1px solid #E5E8EB;
}

.rv2-profile {
  display: flex;
  align-items: center;
  gap: 12px;
}

.rv2-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, #E8F0FE, #D0E3FF);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  flex-shrink: 0;
}

.rv2-name {
  font-size: 15px;
  font-weight: 700;
  color: #191F28;
  letter-spacing: -0.02em;
}

.rv2-stars {
  font-size: 13px;
  color: #FFB800;
  letter-spacing: 1px;
  margin-top: 2px;
}

.rv2-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}

.rv2-tag {
  display: inline-block;
  padding: 4px 10px;
  border-radius: 100px;
  background: rgba(49, 130, 246, 0.08);
  color: var(--toss-blue);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: -0.01em;
}

.rv2-right {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 16px;
  padding: 24px 28px;
  flex: 1;
}

.rv2-text {
  font-size: 15px;
  line-height: 1.65;
  color: #333D4B;
  font-weight: 500;
  letter-spacing: -0.01em;
}

.rv2-meta {
  display: flex;
  gap: 16px;
}

.rv2-meta-item {
  font-size: 13px;
  color: #6B7684;
  font-weight: 600;
  letter-spacing: -0.01em;
}

@media (max-width: 640px) {
  .review-card-v2 {
    flex-direction: column;
    min-width: 300px;
  }

  .rv2-left {
    border-right: none;
    border-bottom: 1px solid #E5E8EB;
    min-width: unset;
    padding: 18px 20px;
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
  }

  .rv2-right {
    padding: 18px 20px;
  }
}

/* ===== FAQ ===== */
#faq {
  background: var(--toss-gray-50);
}

.faq-list {
  max-width: 680px;
  margin: 0 auto
}

.faq-item {
  border-radius: var(--radius);
  margin-bottom: 8px;
  overflow: hidden;
  background: var(--toss-gray-50);
  transition: var(--transition)
}

.faq-item:hover,
.faq-item.open {
  background: var(--white);
  box-shadow: var(--shadow-sm)
}

.faq-question {
  width: 100%;
  padding: 18px 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 15px;
  font-weight: 600;
  color: var(--toss-black);
  text-align: left;
  background: transparent
}

.faq-question .arrow {
  font-size: 18px;
  transition: transform .3s ease;
  color: var(--toss-gray-400)
}

.faq-item.open .faq-question .arrow {
  transform: rotate(180deg);
  color: var(--toss-blue)
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .3s ease
}

.faq-answer-inner {
  padding: 0 20px 18px;
  font-size: 14px;
  color: var(--toss-gray-500);
  line-height: 1.7
}

/* ===== FINAL CTA ===== */
.final-cta {
  background: var(--toss-blue);
  color: var(--white);
  text-align: center
}

.final-cta .section-label {
  color: rgba(255, 255, 255, .7)
}

.final-cta .section-title {
  color: var(--white)
}

.final-cta .section-desc {
  color: rgba(255, 255, 255, .6)
}

.final-form {
  max-width: 480px;
  margin: 0 auto;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 32px
}

.final-form .form-group {
  margin-bottom: 14px
}

.final-form .form-group label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--toss-gray-700);
  margin-bottom: 6px
}

.final-form .form-group input,
.final-form .form-group select {
  width: 100%;
  padding: 13px 14px;
  border: 1px solid var(--toss-gray-200);
  border-radius: 10px;
  font-size: 15px;
  color: var(--toss-black);
  background: var(--toss-gray-50);
  transition: var(--transition)
}

.final-form .form-group input:focus,
.final-form .form-group select:focus {
  border-color: var(--toss-blue);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(49, 130, 246, .08)
}

.form-group .error-msg {
  font-size: 12px;
  color: var(--toss-red);
  margin-top: 4px;
  display: none
}

.form-group.has-error input,
.form-group.has-error select {
  border-color: var(--toss-red)
}

.form-group.has-error .error-msg {
  display: block
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px
}

.consent-row {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  margin-top: 14px;
  margin-bottom: 6px
}

.consent-row input[type=checkbox] {
  width: 18px;
  height: 18px;
  accent-color: var(--toss-blue);
  margin-top: 2px;
  flex-shrink: 0
}

.consent-row label {
  font-size: 13px;
  color: var(--toss-gray-500);
  line-height: 1.5;
  cursor: pointer
}

.btn-form-submit {
  width: 100%;
  padding: 15px;
  border: none;
  border-radius: var(--radius);
  color: var(--white);
  font-size: 16px;
  font-weight: 700;
  background: var(--toss-blue);
  transition: var(--transition);
  margin-top: 8px;
  cursor: pointer
}

.btn-form-submit:hover {
  background: var(--toss-blue-dark);
}

.footer-inner {
  text-align: center;
}

.footer-notice-box {
  background: var(--toss-gray-100);
  border-radius: 12px;
  padding: 24px;
  margin: 24px 0;
  text-align: left;
}

.notice-main {
  font-size: 14px;
  font-weight: 700;
  color: var(--toss-gray-800);
  margin-bottom: 12px;
  line-height: 1.5;
}

.notice-sub {
  font-size: 12px;
  color: var(--toss-gray-600);
  line-height: 1.8;
  margin-bottom: 12px;
}

.notice-warn {
  font-size: 13px;
  font-weight: 800;
  color: #d32f2f;
  line-height: 1.5;
}

/* ===== FLOATING CTA ===== */
.floating-cta {
  position: fixed;
  right: 20px;
  bottom: 100px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  z-index: 1000
}

.float-btn {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  box-shadow: var(--shadow-md);
  transition: var(--transition)
}

.float-btn:hover {
  transform: scale(1.08)
}

.float-btn.phone {
  background: var(--toss-green)
}

.float-btn.kakao {
  background: #FEE500
}

.float-btn.apply {
  background: var(--toss-blue)
}

/* ===== MOBILE FIXED BOTTOM FORM ===== */
.mobile-fixed-form {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 1100;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-top: 1px solid var(--toss-gray-100);
  box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.08);
  padding: 12px 16px;
  padding-bottom: calc(12px + env(safe-area-inset-bottom, 0px));
}

@media (max-width: 768px) {
  .mobile-fixed-form {
    display: block;
  }

  /* 기존 floating-cta를 모바일에서 위로 올려 폼과 겹치지 않게 */
  .floating-cta {
    bottom: 150px;
  }

  /* 푸터 하단에 여백 추가 (폼에 가려지는 것 방지) */
  .footer {
    padding-bottom: 160px;
  }
}

.mobile-fixed-form-inner {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.mf-fields {
  display: flex;
  gap: 6px;
  align-items: center;
}

.mf-input {
  height: 40px;
  border: 1.5px solid var(--toss-gray-200);
  border-radius: 10px;
  padding: 0 10px;
  font-size: 14px;
  font-weight: 500;
  color: var(--toss-black);
  background: var(--white);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
  outline: none;
  font-family: inherit;
}

.mf-input:focus {
  border-color: var(--toss-blue);
  box-shadow: 0 0 0 3px rgba(49, 130, 246, 0.1);
}

.mf-input::placeholder {
  color: var(--toss-gray-400);
  font-weight: 400;
}

.mf-name {
  flex: 0 0 68px;
  min-width: 0;
}

.mf-phone {
  flex: 1;
  min-width: 0;
}

.mf-select {
  flex: 0 0 80px;
  min-width: 0;
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%238B95A1' stroke-width='2.5'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 8px center;
  padding-right: 24px;
  cursor: pointer;
}

.mf-bottom-row {
  display: flex;
  align-items: center;
  gap: 8px;
}

.mf-consent {
  display: flex;
  align-items: center;
  gap: 4px;
  cursor: pointer;
  flex-shrink: 0;
}

.mf-consent input[type="checkbox"] {
  width: 14px;
  height: 14px;
  accent-color: var(--toss-blue);
  margin: 0;
  cursor: pointer;
}

.mf-consent span {
  font-size: 11px;
  color: var(--toss-gray-500);
  font-weight: 500;
  white-space: nowrap;
}

.mf-submit {
  flex: 1;
  height: 40px;
  background: var(--toss-blue);
  color: var(--white);
  border: none;
  border-radius: 10px;
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  transition: background 0.2s ease, transform 0.15s ease;
  white-space: nowrap;
  font-family: inherit;
}

.mf-submit:hover {
  background: var(--toss-blue-dark);
}

.mf-submit:active {
  transform: scale(0.97);
}

/* 초소형 화면에서 입력 필드 배치 조정 */
@media (max-width: 360px) {
  .mf-name {
    flex: 0 0 56px;
  }

  .mf-select {
    flex: 0 0 70px;
  }

  .mf-input {
    font-size: 13px;
    padding: 0 8px;
  }

  .mf-submit {
    font-size: 14px;
  }
}

/* ===== FOOTER ===== */
.footer {
  background: var(--toss-gray-50);
  color: var(--toss-gray-500);
  padding: 40px 0
}

.footer-inner {
  font-size: 13px;
  line-height: 1.8;
  text-align: center
}

.footer-inner h4 {
  color: var(--toss-black);
  font-size: 15px;
  font-weight: 700;
  margin-bottom: 12px
}

.footer-links {
  display: flex;
  gap: 16px;
  justify-content: center;
  margin-bottom: 16px
}

.footer-links a {
  font-size: 13px;
  color: var(--toss-gray-500);
  transition: var(--transition)
}

.footer-links a:hover {
  color: var(--toss-blue)
}

.footer-divider {
  height: 1px;
  background: var(--toss-gray-100);
  margin: 20px 0
}

.footer-copy {
  font-size: 12px;
  color: var(--toss-gray-400)
}

/* ===== RESPONSIVE ===== */
@media(max-width:1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 48px;
  }

  .hero-form-wrapper {
    max-width: 420px;
    margin: 0 auto;
    width: 100%;
  }

  .hero-copy {
    text-align: center;
  }

  .hero-slider-nav {
    justify-content: center;
  }

  .hero-illust img {
    max-width: 320px;
    margin: 0 auto;
  }
}

@media(max-width:768px) {
  .hero-main-tit {
    font-size: 32px;
  }

  .hero-sub {
    font-size: 16px;
  }

  .hero-form-bar {
    display: none;
    /* Hide old bar if present */
  }

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

  .how-timeline {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .how-step::after {
    display: none;
  }
}

@media(max-width:480px) {
  .hero {
    padding: 48px 0 32px
  }

  .hero-main-tit {
    font-size: 26px
  }

  .hero-sub {
    font-size: 15px
  }

  .section-padding {
    padding: 64px 0
  }

  .final-form,
  .simulator-card {
    padding: 24px 16px
  }

  .products-grid {
    grid-template-columns: 1fr;
  }

  .form-row {
    grid-template-columns: 1fr
  }

  .float-btn {
    width: 44px;
    height: 44px
  }

  .container {
    padding: 0 16px
  }
}

/* ===== TRUST NUMBERS ===== */
.trust-numbers {
  padding: 32px 0;
  background: #F7F8FA;
  text-align: center;
}

.trust-numbers-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 64px; /* 데스크탑 화면에서 간격 확보하되 화면 끝까지 찢어지지 않음 */
  margin-top: 32px;
}

.trust-number-card {
  padding: 0;
  background: transparent;
  border: none;
  text-align: center;
  flex: 0 1 auto; /* 데스크탑 공간만큼 팽창 방지, 컨텐츠 크기만큼만 스택 */
  min-width: 140px; /* 모바일 강제 압축에 대한 최소 방어 유지 */
  max-width: 250px;
}

.trust-number-card:hover {
  transform: none;
  box-shadow: none;
  border-color: transparent;
}

.trust-number-value {
  display: inline;
  font-size: 36px;
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -0.03em;
  color: var(--toss-black);
}

.trust-number-unit {
  display: inline;
  font-size: 18px;
  font-weight: 700;
  color: var(--toss-gray-700);
  margin-left: 2px;
}

.trust-number-label {
  margin-top: 6px;
  font-size: 13px;
  font-weight: 600;
  color: var(--toss-gray-500);
  word-break: keep-all;
  white-space: nowrap;
}

@media (max-width: 768px) {
  .trust-numbers-grid {
    display: grid !important;
    grid-template-columns: repeat(2, 1fr) !important;
    gap: 24px;
  }

  .trust-number-value {
    font-size: 36px;
  }
}

@media (max-width: 480px) {
  .trust-numbers {
    padding: 56px 0;
  }

  /* 다시 가독성을 확보하기 위해 상하 2열 배치 혹은 여백 확보 */
  .trust-numbers-grid {
    display: grid !important;
    grid-template-columns: repeat(2, 1fr) !important;
    gap: 16px 8px; /* 위아래 간격 16, 좌우 간격 8 */
  }

  .trust-number-card {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    padding: 20px 8px;
    text-align: center;
    gap: 4px;
  }

  .trust-number-value {
    font-size: 26px;
    line-height: 1.2;
    display: block;
  }

  .trust-number-unit {
    font-size: 14px;
    display: block;
    margin-top: -2px;
  }

  .trust-number-label {
    display: block;
    margin-top: 8px;
    font-size: 13px;
    color: var(--toss-gray-500);
    word-break: keep-all;
    white-space: pre-wrap; /* 필요하면 줄바꿈 허용 */
  }
}

/* ===== Impact Direction Overrides ===== */
:root {
  --brand-orange: #3182F6;
  --brand-orange-dark: #1B64DA;
  --brand-orange-soft: rgba(49, 130, 246, 0.06);
  --brand-ink: #191F28;
  --brand-copy: #4E5968;
  --brand-cream: #F2F4F6;
  --brand-line: #E5E8EB;

  --toss-blue: #3182F6;
  --toss-blue-dark: #1B64DA;
  --toss-blue-light: #4A9AFF;
  --toss-blue-bg: rgba(49, 130, 246, 0.06);
  --toss-black: #191F28;
  --toss-gray-900: #333D4B;
  --toss-gray-700: #4E5968;
  --toss-gray-500: #6B7684;
  --toss-gray-400: #8B95A1;
  --toss-gray-300: #B0B8C1;
  --toss-gray-200: #D1D6DB;
  --toss-gray-100: #E5E8EB;
  --toss-gray-50: #F2F4F6;
}

body {
  color: var(--brand-ink);
  background: #ffffff;
}

.container {
  max-width: 1240px;
}

.section-label {
  color: var(--brand-orange);
}

.header {
  height: 86px;
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--brand-line);
}

.header-inner {
  gap: 32px;
}

.logo-wordmark {
  flex-direction: column;
  align-items: flex-start;
  gap: 2px;
  min-width: 150px;
}

.logo-mark {
  display: block;
  font-size: 54px;
  line-height: 0.82;
  letter-spacing: -0.08em;
  font-weight: 900;
  color: var(--brand-orange);
}

.logo-sub {
  font-size: 13px;
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--brand-orange-dark);
}

.nav-list {
  gap: 40px;
}

.nav-link {
  font-size: 17px;
  font-weight: 700;
  color: var(--brand-ink);
}

.nav-link:hover,
.nav-link.active {
  color: var(--brand-orange);
}

.nav-link.active::after {
  bottom: -10px;
  height: 3px;
  background: var(--brand-orange);
}

.header-phone-pill {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 148px;
  height: 48px;
  padding: 0 24px;
  border-radius: 999px;
  background: var(--brand-orange);
  color: #ffffff;
  font-size: 17px;
  font-weight: 800;
  letter-spacing: -0.03em;
  box-shadow: 0 12px 24px rgba(49, 130, 246, 0.18);
  transition: transform 0.2s ease, background 0.2s ease;
}

.header-phone-pill:hover {
  background: var(--brand-orange-dark);
  transform: translateY(-1px);
}

.hero {
  padding: 128px 0 24px;
  background: linear-gradient(180deg, var(--brand-cream) 0%, #ffffff 84%);
}

.hero::before {
  content: none;
}

.hero-shell {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  justify-items: center;
}

.hero-content {
  max-width: 800px;
  text-align: center;
}

.hero-kicker {
  margin-bottom: 8px;
  font-size: clamp(20px, 3vw, 28px);
  font-weight: 800;
  line-height: 1.3;
  letter-spacing: -0.02em;
  color: #191F28;
  text-align: center;
}

/* 이미지 아래 하단 콘텐츠 블록 */
.hero-bottom-content {
  max-width: 800px;
  text-align: center;
}

.hero-sub-title {
  font-size: clamp(24px, 3.5vw, 36px);
  font-weight: 800;
  line-height: 1.35;
  letter-spacing: -0.03em;
  color: var(--brand-ink);
  margin-bottom: 12px;
}

.hero-title {
  margin-bottom: 16px;
  font-size: clamp(20px, 4.5vw, 38px);
  line-height: 1.3;
  letter-spacing: -0.03em;
  color: var(--brand-ink);
  text-align: center;
  word-break: keep-all;
}

@media (max-width: 480px) {
  .hero-title {
    font-size: 4.5vw;
    line-height: 1.4;
  }
}

.hero-title .highlight {
  color: var(--brand-ink);
}

.hero-title .highlight::after {
  content: "";
  position: absolute;
  left: 2px;
  right: 2px;
  bottom: 10px;
  height: 16px;
  background: rgba(49, 130, 246, 0.16);
  z-index: -1;
  border-radius: 999px;
}

.hero-sub {
  max-width: 600px;
  margin: 0 auto;
  font-size: 18px;
  line-height: 1.5;
  color: var(--brand-copy);
}

.hero-rail {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
  margin-top: 16px;
}

.hero-rail-item {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 11px 16px;
  border-radius: 999px;
  border: 1px solid var(--brand-line);
  background: rgba(255, 255, 255, 0.72);
  color: #433d37;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: -0.02em;
}

/* 히어로 CTA 버튼 (Above the Fold) */
.hero-cta-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-top: 24px;
  padding: 16px 40px;
  background: var(--toss-blue);
  color: #fff;
  font-size: 18px;
  font-weight: 700;
  border-radius: 14px;
  text-decoration: none;
  letter-spacing: -0.02em;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  box-shadow: 0 8px 24px rgba(49, 130, 246, 0.3);
  animation: heroCta-pulse 2.5s infinite;
}

.hero-cta-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 32px rgba(49, 130, 246, 0.4);
}

.hero-cta-btn:active {
  transform: translateY(0);
}

@keyframes heroCta-pulse {
  0%, 100% { box-shadow: 0 8px 24px rgba(49, 130, 246, 0.3); }
  50% { box-shadow: 0 8px 32px rgba(49, 130, 246, 0.5); }
}

@media (max-width: 768px) {
  .hero-cta-btn {
    width: 100%;
    font-size: 17px;
    padding: 15px 24px;
  }
}

.hero-btns {
  justify-content: center;
  gap: 14px;
  margin-top: 22px;
}

.btn {
  border-radius: 12px;
}

.btn-primary {
  box-shadow: 0 14px 30px rgba(49, 130, 246, 0.16);
}

.btn-outline {
  background: rgba(255, 255, 255, 0.62);
  border: 1px solid var(--brand-line);
  color: var(--brand-ink);
}

.btn-outline:hover {
  color: var(--brand-orange);
  border-color: rgba(49, 130, 246, 0.34);
  background: rgba(255, 255, 255, 0.92);
}

.hero-stage {
  position: relative;
  width: min(900px, 100%);
  min-height: 360px;
  display: flex;
  align-items: flex-end;
  justify-content: center;
  margin-top: -6px;
  padding-top: 0;
}

.hero-stage-word {
  position: absolute;
  top: 18px;
  left: 50%;
  transform: translateX(-50%);
  font-size: clamp(150px, 23vw, 300px);
  line-height: 0.82;
  letter-spacing: -0.13em;
  font-weight: 900;
  color: #3182F6;
  -webkit-text-stroke: 2px #3182F6;
  white-space: nowrap;
  pointer-events: none;
  -moz-osx-font-smoothing: grayscale;
}

.hero-figure {
  position: relative;
  z-index: 2;
  width: min(310px, 34vw);
  filter: drop-shadow(0 30px 36px rgba(34, 32, 29, 0.14));
}

.hero-stage-card {
  position: absolute;
  z-index: 3;
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding: 18px 20px;
  min-width: 230px;
  border-radius: 22px;
  background: rgba(255, 255, 255, 0.88);
  border: 1px solid rgba(34, 32, 29, 0.08);
  box-shadow: 0 18px 40px rgba(34, 32, 29, 0.08);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
}

.hero-stage-card strong {
  font-size: 20px;
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -0.04em;
  color: var(--brand-ink);
}

.hero-stage-card span {
  font-size: 14px;
  line-height: 1.55;
  color: var(--brand-copy);
}

.hero-stage-card-top {
  top: 112px;
  left: 118px;
}

.hero-stage-card-bottom {
  right: 112px;
  bottom: 32px;
}

.hero-form-wrap {
  position: relative;
  z-index: 4;
  margin-top: -26px;
}

.hero-impact-form {
  display: grid;
  grid-template-columns: 220px 1fr auto;
  align-items: center;
  gap: 18px;
  max-width: 1240px;
  padding: 14px 18px;
  background: rgba(255, 255, 255, 0.97);
  border: 1px solid var(--brand-line);
  border-radius: 30px;
  box-shadow: 0 24px 46px rgba(34, 32, 29, 0.08);
}

.hero-form-call {
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding-right: 18px;
  border-right: 1px solid var(--brand-line);
}

.hero-form-call-label {
  font-size: 15px;
  font-weight: 700;
  color: var(--brand-copy);
}

.hero-form-call-number {
  font-size: 40px;
  line-height: 0.95;
  letter-spacing: -0.08em;
  font-weight: 900;
  color: var(--brand-orange);
}

.hero-form-fields {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr)) auto;
  gap: 10px;
  align-items: center;
}

.hero-form-bar input,
.hero-form-bar select {
  min-width: 0;
  height: 58px;
  padding: 0 18px;
  border-radius: 18px;
  border: 1px solid var(--brand-line);
  background: #ffffff;
  color: var(--brand-ink);
  font-size: 16px;
  font-weight: 600;
}

.hero-form-bar input::placeholder,
.hero-form-bar select {
  color: #887d72;
}

.hero-form-bar input:focus,
.hero-form-bar select:focus {
  border-color: rgba(235, 91, 54, 0.5);
  box-shadow: 0 0 0 4px rgba(235, 91, 54, 0.12);
}

.hero-form-bar .btn-submit {
  height: 58px;
  padding: 0 28px;
  border-radius: 18px;
  background: var(--brand-orange);
  color: #ffffff;
  font-size: 17px;
  font-weight: 800;
  letter-spacing: -0.03em;
  box-shadow: 0 14px 28px rgba(235, 91, 54, 0.18);
}

.hero-form-bar .btn-submit:hover {
  background: var(--brand-orange-dark);
}

.hero-form-consent {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: #5b554e;
  font-size: 14px;
  font-weight: 600;
  white-space: nowrap;
}

.hero-form-consent input[type="checkbox"] {
  width: 18px;
  height: 18px;
  accent-color: var(--brand-orange);
}

.hero-form-notice {
  display: none;
}

.trust-stats {
  background: linear-gradient(180deg, #ffffff 0%, #EBF2FE 100%);
  padding: 96px 0 96px;
}

.trust-intro {
  margin-bottom: 40px;
}

.trust-kicker {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 9px 14px;
  border-radius: 999px;
  background: rgba(49, 130, 246, 0.1);
  color: #3182F6;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin-bottom: 16px;
}

.trust-section-title {
  font-size: 44px;
  line-height: 1.2;
  color: var(--brand-ink);
}

.trust-section-title span {
  color: var(--brand-orange);
}

.trust-section-desc {
  color: var(--brand-copy);
}

.trust-grid {
  gap: 24px;
}

.trust-card {
  padding: 24px;
  background: #ffffff;
  border: 1px solid var(--brand-line);
  border-radius: 16px;
}

.trust-card:hover {
  background: #ffffff;
  border-color: rgba(49, 130, 246, 0.28);
  box-shadow: 0 20px 38px rgba(34, 32, 29, 0.06);
}

.trust-label {
  color: #8a7d71;
}

.trust-title {
  color: var(--brand-ink);
}

.trust-emphasis {
  color: #3182F6;
}

.trust-card-copy {
  color: var(--brand-copy);
}

.floating-form-card,
.fixed-bottom-bar,
.mobile-bottom-bar {
  border-color: var(--brand-line);
}

.fixed-bar-submit,
.mobile-bar-inner .btn-primary,
.btn-card,
.btn-form-submit {
  background: var(--brand-orange);
}

.fixed-bar-submit:hover,
.btn-card:hover,
.btn-form-submit:hover {
  background: var(--brand-orange-dark);
}

.fixed-bar-number,
.footer-links a:hover {
  color: var(--brand-orange);
}

.final-cta {
  background: var(--brand-orange);
}

@media (max-width: 1180px) {
  .nav-list {
    gap: 28px;
  }

  .hero-stage-card-top {
    left: 24px;
  }

  .hero-stage-card-bottom {
    right: 24px;
  }

  .hero-impact-form {
    grid-template-columns: 200px 1fr;
  }

  .hero-form-consent {
    grid-column: 1 / -1;
    justify-self: flex-end;
  }
}

@media (max-width: 1024px) {
  .header {
    height: 80px;
  }

  .hero {
    padding-top: 126px;
  }

  .hero-stage {
    min-height: 320px;
  }

  .hero-stage-word {
    font-size: clamp(136px, 28vw, 240px);
    top: 20px;
  }

  .hero-impact-form {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  .hero-form-call {
    padding-right: 0;
    padding-bottom: 8px;
    border-right: 0;
    border-bottom: 1px solid var(--brand-line);
    align-items: center;
  }

  .hero-form-fields {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .hero-form-bar .btn-submit {
    width: 100%;
  }

  .hero-form-consent {
    justify-self: center;
  }
}

@media (max-width: 768px) {
  .header {
    height: 74px;
  }

  .header-inner {
    gap: 16px;
  }

  .logo-mark {
    font-size: 42px;
  }

  .logo-sub {
    font-size: 11px;
  }

  .header-phone-pill {
    min-width: 124px;
    height: 42px;
    padding: 0 18px;
    font-size: 15px;
  }

  .hero {
    padding: 118px 0 24px;
  }

  .hero-kicker {
    font-size: 20px;
  }

  .hero-title {
    font-size: 44px;
  }

  .hero-sub {
    font-size: 16px;
  }

  .hero-rail {
    gap: 8px;
  }

  .hero-rail-item {
    padding: 9px 14px;
    font-size: 13px;
  }

  .hero-btns {
    flex-direction: column;
    align-items: center;
  }

  .hero-stage {
    min-height: 280px;
  }

  .hero-stage-card {
    display: none;
  }

  .hero-stage-word {
    top: 18px;
    font-size: 128px;
  }

  .hero-figure {
    width: min(260px, 66vw);
  }

  .hero-form-fields {
    grid-template-columns: 1fr;
  }

  .hero-form-call-number {
    font-size: 40px;
  }

  .trust-section-title {
    font-size: 38px;
  }
}

@media (max-width: 480px) {
  .container {
    padding: 0 18px;
  }

  .hero-title {
    font-size: 38px;
  }

  .hero-stage {
    min-height: 240px;
  }

  .hero-stage-word {
    top: 20px;
    font-size: 104px;
  }

  .hero-form-call-number {
    font-size: 32px;
  }

  .hero-form-bar input,
  .hero-form-bar select,
  .hero-form-bar .btn-submit {
    height: 54px;
    border-radius: 16px;
  }

  .trust-stats {
    padding: 74px 0 82px;
  }

  .trust-section-title {
    font-size: 32px;
  }
}

/* ===== FIXED BOTTOM FORM BAR ===== */
.fixed-bottom-bar {
  position: fixed;
  bottom: 0;
  left: 0;
  width: 100%;
  z-index: 9999;
  background: #ffffff;
  box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.1);
}

.fixed-bar-top-border {
  display: none;
}

.fixed-bar-inner {
  display: flex;
  align-items: center;
  gap: 20px;
  padding-top: 12px;
  padding-bottom: 12px;
  max-width: 1200px;
}

.fixed-bar-phone {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

.fixed-bar-label {
  font-size: 14px;
  font-weight: 700;
  color: var(--toss-gray-700);
}

.fixed-bar-number {
  font-size: 24px;
  font-weight: 900;
  color: var(--toss-black);
  letter-spacing: -0.02em;
  text-decoration: none;
  transition: color 0.2s ease;
}

.fixed-bar-number:hover {
  color: var(--toss-blue);
}

.fixed-bar-form {
  display: flex;
  align-items: center;
  gap: 8px;
  flex: 1;
}

.fixed-bar-form input[type="text"],
.fixed-bar-form input[type="tel"],
.fixed-bar-form select {
  height: 40px;
  padding: 0 14px;
  border: 1px solid var(--toss-gray-200);
  border-radius: 8px;
  font-size: 14px;
  font-weight: 500;
  color: var(--toss-black);
  background: var(--toss-gray-50);
  flex: 1;
  min-width: 100px;
  transition: border-color 0.2s ease;
}

.fixed-bar-form input:focus,
.fixed-bar-form select:focus {
  border-color: var(--toss-blue);
  background: #fff;
  outline: none;
  box-shadow: 0 0 0 2px rgba(49, 130, 246, 0.1);
}

.fixed-bar-form input::placeholder {
  color: var(--toss-gray-400);
}

.fixed-bar-form select {
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%236B7684' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  padding-right: 32px;
  color: var(--toss-gray-500);
}

.fixed-bar-submit {
  height: 40px;
  padding: 0 28px;
  background: var(--toss-blue);
  color: #ffffff;
  font-size: 15px;
  font-weight: 700;
  border: none;
  border-radius: 8px;
  cursor: pointer;
  white-space: nowrap;
  flex-shrink: 0;
  transition: all 0.2s ease;
}

.fixed-bar-submit:hover {
  background: var(--toss-blue-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(49, 130, 246, 0.3);
}

.fixed-bar-consent {
  display: flex;
  align-items: center;
  gap: 5px;
  flex-shrink: 0;
  cursor: pointer;
  user-select: none;
}

.fixed-bar-consent input[type="checkbox"] {
  width: 16px;
  height: 16px;
  accent-color: var(--toss-blue);
}

.fixed-bar-consent span {
  font-size: 12px;
  color: var(--toss-gray-500);
  font-weight: 500;
  white-space: nowrap;
}

/* 모바일에서는 숨김 (기존 mobile-bottom-bar 사용) */
@media (max-width: 768px) {
  .fixed-bottom-bar {
    display: none;
  }
}

/* 1024px 이하에서 폼 컴팩트 */
@media (max-width: 1024px) {
  .fixed-bar-inner {
    gap: 12px;
  }

  .fixed-bar-number {
    font-size: 20px;
  }

  .fixed-bar-form input[type="text"],
  .fixed-bar-form input[type="tel"] {
    min-width: 80px;
  }
}

/* ===== FOOTER REDESIGN ===== */
.footer {
  background: #0F172A;
  border-top: none;
  padding: 28px 0 90px;
}

.footer-redesign {
  text-align: left;
}

.footer-badge {
  display: inline-block;
  padding: 4px 10px;
  border: 1.5px solid #60A5FA;
  border-radius: 4px;
  color: #60A5FA;
  font-size: 11px;
  font-weight: 700;
  margin-bottom: 14px;
  letter-spacing: -0.02em;
}

.footer-info-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr auto;
  gap: 32px;
  align-items: start;
}

.footer-info-left p,
.footer-info-right p {
  font-size: 12px;
  color: #94A3B8;
  line-height: 1.85;
  margin: 0;
  letter-spacing: -0.01em;
}

.footer-copyright {
  margin-top: 6px !important;
  font-size: 11px !important;
  color: #64748B !important;
}

.footer-info-logo {
  display: flex;
  align-items: flex-start;
  justify-content: flex-end;
  padding-top: 2px;
}

.footer-info-logo img {
  height: 52px;
  width: auto;
  opacity: 0.6;
}

.footer-notice-box {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 12px;
  margin-top: 18px;
}

.footer-notice-box .notice-main {
  font-size: 11px;
  color: #64748B;
  line-height: 1.5;
  margin-bottom: 4px;
}

.footer-notice-box .notice-sub {
  font-size: 10px;
  color: #475569;
  line-height: 1.65;
  margin-bottom: 4px;
}

.footer-notice-box .notice-warn {
  font-size: 10px;
  color: #F04452;
  font-weight: 600;
  line-height: 1.5;
}

@media (max-width: 768px) {
  .footer {
    padding: 24px 0 110px;
  }

  .footer-info-grid {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  .footer-info-logo {
    justify-content: flex-start;
  }
}

/* ===== CAUTION SECTION ===== */
.caution-section {
  background: #F7F9FB;
  border-top: 1px solid #E5E8EB;
  padding: 40px 0 48px;
}

.caution-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}

.caution-title {
  font-size: 15px;
  font-weight: 800;
  color: #333D4B;
  margin-bottom: 16px;
  letter-spacing: -0.02em;
}

.caution-subtitle {
  font-size: 12px;
  font-weight: 800;
  color: #4E5968;
  margin: 14px 0 8px;
  letter-spacing: -0.02em;
}

.caution-list-extra {
  margin-top: 16px;
  padding-top: 14px;
  border-top: 1px solid #E5E8EB;
}

.caution-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.caution-list li {
  position: relative;
  padding-left: 10px;
  font-size: 11px;
  line-height: 1.75;
  color: #8B95A1;
  letter-spacing: -0.01em;
}

.caution-list li::before {
  content: "·";
  position: absolute;
  left: 0;
  color: #8B95A1;
}

.caution-highlight-box {
  border: 1px solid #3182F6;
  border-radius: 8px;
  padding: 14px 18px;
  margin-bottom: 10px;
  background: rgba(49, 130, 246, 0.02);
}

.caution-highlight-label {
  font-size: 13px;
  font-weight: 800;
  color: #3182F6;
  letter-spacing: -0.02em;
}

.caution-highlight-value {
  font-size: 13px;
  font-weight: 600;
  color: #333D4B;
  letter-spacing: -0.01em;
}

.caution-partner {
  margin-top: 20px;
}

.caution-partner-intro {
  font-size: 12px;
  font-weight: 700;
  color: #6B7684;
  margin-bottom: 8px;
}

.caution-partner-list {
  font-size: 11px;
  color: #8B95A1;
  line-height: 1.7;
}

@media (max-width: 768px) {
  .caution-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .caution-section {
    padding: 32px 0 40px;
  }
}

/* ===== FINAL CTA V2 ===== */
.final-cta-v2 {
  background: linear-gradient(135deg, #0F172A 0%, #1E3A5F 50%, #0F172A 100%);
  position: relative;
  overflow: hidden;
  padding: 72px 0 80px;
}

.cta-v2-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: stretch;
}

.cta-v2-left {
  color: #ffffff;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 0;
}

.cta-v2-date {
  font-size: 14px;
  color: #8B95A1;
  margin-bottom: 12px;
  text-align: center;
}

.cta-v2-counter {
  font-size: 28px;
  font-weight: 800;
  line-height: 1.4;
  background: linear-gradient(90deg, #ffffff 0%, #60A5FA 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  filter: drop-shadow(0 0 10px rgba(96, 165, 250, 0.3));
  margin-bottom: 24px;
  letter-spacing: -0.03em;
  text-align: center;
}

.cta-v2-count {
  color: #ffffff;
}

.cta-v2-headline {
  font-size: 32px;
  font-weight: 900;
  line-height: 1.3;
  letter-spacing: -0.03em;
  color: #ffffff;
  margin-bottom: 28px;
  text-align: center;
}

.cta-v2-green {
  color: #00C471;
}

.cta-v2-stats {
  display: flex;
  justify-content: center;
  gap: 0;
}

.cta-v2-stat {
  display: flex;
  flex-direction: column;
  gap: 6px;
  padding: 16px 24px;
  background: rgba(255, 255, 255, 0.05);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.2);
}

.cta-v2-stat:first-child {
  border-radius: 10px 0 0 10px;
}

.cta-v2-stat:last-child {
  border-radius: 0 10px 10px 0;
}

.cta-v2-stat-label {
  font-size: 13px;
  color: #8B95A1;
  font-weight: 600;
}

.cta-v2-stat-value {
  font-size: 22px;
  font-weight: 800;
  color: #ffffff;
  letter-spacing: -0.03em;
}

.cta-roller {
  height: 36px;
  overflow: hidden;
}

.cta-roller-item {
  height: 36px;
}

.cta-roller-item p {
  font-size: 22px;
  font-weight: 800;
  color: #ffffff;
  letter-spacing: -0.03em;
  line-height: 36px;
  margin: 0;
}

.cta-v2-right {
  background: #ffffff;
  border-radius: 16px;
  padding: 20px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.cta-v2-safe-badge {
  display: flex;
  align-items: center;
  gap: 12px;
  background: #F2F4F6;
  border-radius: 10px;
  padding: 8px 12px;
  margin-bottom: 8px;
}

.cta-v2-safe-icon {
  font-size: 18px;
}

.cta-v2-safe-badge strong {
  display: block;
  font-size: 13px;
  font-weight: 800;
  color: #191F28;
  margin-bottom: 2px;
}

.cta-v2-safe-badge span {
  font-size: 11px;
  color: #6B7684;
}

.cta-v2-field {
  display: grid;
  grid-template-columns: 72px 1fr;
  align-items: center;
  gap: 8px;
  padding: 6px 0;
  border-bottom: 1px solid #E5E8EB;
}

.cta-v2-field label {
  font-size: 13px;
  font-weight: 700;
  color: #333D4B;
}

.cta-v2-field input,
.cta-v2-field select {
  width: 100%;
  height: 36px;
  border: 1px solid #E5E8EB;
  border-radius: 8px;
  padding: 0 12px;
  font-size: 13px;
  color: #333D4B;
  background: #ffffff;
}

.cta-v2-field input:focus,
.cta-v2-field select:focus {
  outline: none;
  border-color: #3182F6;
  box-shadow: 0 0 0 3px rgba(49, 130, 246, 0.08);
}

.cta-v2-field input::placeholder {
  color: #B0B8C1;
}

.cta-v2-phone-inputs {
  display: flex;
  align-items: center;
  gap: 6px;
}

.cta-v2-phone-prefix {
  max-width: 60px;
  text-align: center;
  background: #F2F4F6 !important;
  color: #333D4B;
  font-weight: 700;
}

.cta-v2-phone-dash {
  font-size: 16px;
  color: #B0B8C1;
}

.cta-v2-phone-inputs input {
  flex: 1;
  min-width: 0;
}

.cta-v2-consents {
  padding: 6px 0 2px;
}

.cta-v2-consent-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 3px 0;
}

.cta-v2-consent-row label {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  color: #333D4B;
  cursor: pointer;
}

.cta-v2-consent-row input[type="checkbox"] {
  width: 16px;
  height: 16px;
  accent-color: #3182F6;
}

.cta-v2-view-btn {
  padding: 4px 10px;
  border: 1px solid #D1D6DB;
  border-radius: 4px;
  background: #ffffff;
  font-size: 11px;
  font-weight: 600;
  color: #6B7684;
  cursor: pointer;
  transition: background 0.15s ease;
}

.cta-v2-view-btn:hover {
  background: #F2F4F6;
}

.cta-v2-submit {
  width: 100%;
  height: 40px;
  margin-top: 8px;
  border: none;
  border-radius: 12px;
  background: linear-gradient(135deg, #3182F6 0%, #00C9A7 100%);
  color: #ffffff;
  font-size: 14px;
  font-weight: 800;
  letter-spacing: -0.02em;
  cursor: pointer;
  transition: opacity 0.2s ease, transform 0.2s ease;
}

.cta-v2-submit:hover {
  opacity: 0.92;
  transform: translateY(-1px);
}

/* ===== Inline CTA Form ===== */
.cta-v2-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  color: #ffffff;
  margin-bottom: 40px;
  gap: 40px;
  max-width: 760px;
  margin-left: auto;
  margin-right: auto;
}

.cta-v2-header-left {
  flex: 1;
}

.cta-v2-header-right {
  flex: 1;
  text-align: center;
}

.cta-inline-form {
  max-width: 760px;
  margin: 0 auto;
}

.cta-inline-row {
  display: flex;
  align-items: flex-end;
  gap: 8px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 16px;
  padding: 12px;
  backdrop-filter: blur(8px);
}

.cta-inline-field {
  flex: 1;
  min-width: 0;
}

.cta-inline-field label {
  display: block;
  font-size: 10px;
  font-weight: 700;
  color: var(--blue-300);
  margin-bottom: 4px;
  letter-spacing: 0.02em;
  text-transform: uppercase;
}

.cta-inline-field input,
.cta-inline-field select {
  width: 100%;
  height: 40px;
  padding: 0 12px;
  border: none;
  border-radius: 8px;
  background: #ffffff;
  font-size: 14px;
  font-weight: 600;
  color: #191F28;
  outline: none;
  transition: box-shadow 0.2s ease;
}

.cta-inline-field input:focus,
.cta-inline-field select:focus {
  box-shadow: 0 0 0 2px var(--blue-400);
}

.cta-inline-field input::placeholder {
  color: #B0B8C1;
  font-weight: 400;
}

.cta-inline-select {
  flex: 0.8;
}

.cta-inline-select select {
  appearance: none;
  -webkit-appearance: none;
  cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%238B95A1' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 10px center;
  padding-right: 28px;
}

.cta-inline-submit {
  height: 40px;
  padding: 0 24px;
  border: none;
  border-radius: 8px;
  background: linear-gradient(135deg, var(--blue-500) 0%, #00C9A7 100%);
  box-shadow: 0 0 20px rgba(0, 201, 167, 0.4);
  color: #ffffff;
  font-size: 14px;
  font-weight: 800;
  white-space: nowrap;
  cursor: pointer;
  transition: opacity 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;
  letter-spacing: -0.02em;
}

.cta-inline-submit:hover {
  opacity: 1;
  transform: translateY(-2px);
  box-shadow: 0 0 28px rgba(0, 201, 167, 0.6);
}

.cta-inline-consent {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: 12px;
  padding: 0 4px;
}

.cta-inline-consent label {
  display: flex;
  align-items: center;
  gap: 6px;
  cursor: pointer;
}

.cta-inline-consent input[type="checkbox"] {
  width: 14px;
  height: 14px;
  accent-color: var(--blue-400);
}

.cta-inline-consent span {
  font-size: 11px;
  color: rgba(255,255,255,0.5);
}

.cta-inline-safe {
  font-size: 11px;
  color: var(--blue-300);
  font-weight: 600;
}

/* 인라인 폼 모바일 반응형 */
@media (max-width: 640px) {
  .cta-inline-row {
    flex-direction: column;
    gap: 8px;
  }

  .cta-inline-field {
    width: 100%;
  }

  .cta-inline-select {
    flex: 1;
  }

  .cta-inline-submit {
    width: 100%;
    height: 44px;
    font-size: 15px;
  }

  .cta-inline-consent {
    flex-direction: column;
    gap: 6px;
    align-items: flex-start;
  }
}


.cta-v2-safe-inline {
  font-size: 12px;
  font-weight: 600;
  color: var(--blue-300);
  margin-bottom: 12px;
  letter-spacing: -0.02em;
}

.fl-field {
  position: relative;
  margin-bottom: 8px;
}

.fl-field input,
.fl-field select {
  width: 100%;
  height: 44px;
  padding: 14px 0 6px;
  border: none;
  border-bottom: 2px solid #E5E8EB;
  background: transparent;
  font-size: 14px;
  font-weight: 600;
  color: #191F28;
  outline: none;
  transition: border-color 0.2s ease;
}

.fl-field input:focus,
.fl-field select:focus {
  border-bottom-color: var(--blue-500);
}

.fl-field > label {
  position: absolute;
  top: 14px;
  left: 0;
  font-size: 13px;
  font-weight: 500;
  color: #8B95A1;
  pointer-events: none;
  transition: all 0.2s ease;
}

.fl-field input:focus ~ label,
.fl-field input:not(:placeholder-shown) ~ label,
.fl-field select:focus ~ label,
.fl-select-wrap > label {
  top: 0;
  font-size: 10px;
  font-weight: 700;
  color: var(--blue-500);
}

/* Phone field */
.fl-phone-inputs {
  display: flex;
  align-items: center;
  gap: 4px;
  height: 44px;
  padding-top: 10px;
  border-bottom: 2px solid #E5E8EB;
  transition: border-color 0.2s ease;
}

.fl-phone-inputs:focus-within {
  border-bottom-color: var(--blue-500);
}

.fl-phone-inputs input {
  border: none !important;
  border-bottom: none !important;
  padding: 0 !important;
  height: auto !important;
  background: transparent !important;
}

.fl-phone-prefix {
  width: 36px;
  font-size: 14px;
  font-weight: 700;
  color: #191F28;
  text-align: center;
}

.fl-phone-dash {
  font-size: 14px;
  color: #B0B8C1;
}

.fl-phone-label {
  position: absolute;
  top: 0;
  left: 0;
  font-size: 10px;
  font-weight: 700;
  color: var(--blue-500);
  pointer-events: none;
}

/* Select field */
.fl-select-wrap select {
  appearance: none;
  -webkit-appearance: none;
  cursor: pointer;
  padding-right: 24px;
}

.fl-select-wrap::after {
  content: '▾';
  position: absolute;
  right: 4px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 12px;
  color: #8B95A1;
  pointer-events: none;
}

.fl-select-wrap > label {
  position: absolute;
  top: 0;
  left: 0;
  font-size: 10px;
  font-weight: 700;
  color: var(--blue-500);
  pointer-events: none;
}

/* Consent */
.fl-consent {
  padding: 8px 0 4px;
}

.fl-consent label {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  cursor: pointer;
}

.fl-consent input[type="checkbox"] {
  width: 16px;
  height: 16px;
  accent-color: var(--blue-500);
  flex-shrink: 0;
  margin-top: 1px;
}

.fl-consent span {
  font-size: 11px;
  line-height: 1.4;
  color: #8B95A1;
}

@media (max-width: 768px) {
  .final-cta-v2 {
    padding: 56px 0 64px;
  }

  .cta-v2-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .cta-v2-headline {
    font-size: 32px;
  }

  .cta-v2-counter {
    font-size: 22px;
  }

  .cta-v2-stat {
    padding: 14px 18px;
  }

  .cta-v2-stat-value {
    font-size: 18px;
  }

  .cta-v2-right {
    padding: 24px 20px 28px;
  }
}

/* CTA Vertical Swipers */
.cta-swiper-1,
.cta-swiper-2,
.cta-swiper-3 {
  height: 35px;
  overflow: hidden;
}

.cta-v2-stat .swiper-slide {
  display: flex;
  align-items: center;
  height: 35px;
}

.cta-v2-stat .swiper-slide p {
  margin: 0;
  font-size: 22px;
  font-weight: 800;
  color: #ffffff;
  letter-spacing: -0.03em;
  line-height: 1;
}

/* =============================================================
   WEB SKILL ENHANCEMENT — Typography, Motion, Backgrounds, UX
   ============================================================= */

/* --- 1. Typography: Display Font Pairing --- */
.hero-title,
.section-title,
.trust-section-title,
.cta-v2-headline {
  font-family: 'IBM Plex Sans KR', 'Pretendard Variable', sans-serif;
  font-weight: 700; /* IBM Plex Sans KR 700 적용 */
}

/* Type Scale CSS Variables */
:root {
  --fs-display: clamp(40px, 5vw, 64px);
  --fs-2xl: 36px;
  --fs-xl: 28px;
  --fs-lg: 24px;
  --fs-md: 20px;
  --fs-sm: 16px;
  --fs-xs: 14px;
}

/* --- 2. Fade-in & Staggered Reveal --- */
.fade-in {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s cubic-bezier(0.25, 0.46, 0.45, 0.94),
              transform 0.7s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}

.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Stagger children within visible sections */
.fade-in.visible .trust-number-card,
.fade-in.visible .trust-card,
.fade-in.visible .biz-loan-card,
.fade-in.visible .info-box,
.fade-in.visible .how-step {
  opacity: 0;
  transform: translateY(20px);
  animation: stagger-in 0.5s cubic-bezier(0.25, 0.46, 0.45, 0.94) forwards;
}

.fade-in.visible .trust-number-card:nth-child(1),
.fade-in.visible .trust-card:nth-child(1),
.fade-in.visible .biz-loan-card:nth-child(1),
.fade-in.visible .info-box:nth-child(1),
.fade-in.visible .how-step:nth-child(1) { animation-delay: 0.05s; }

.fade-in.visible .trust-number-card:nth-child(2),
.fade-in.visible .trust-card:nth-child(2),
.fade-in.visible .biz-loan-card:nth-child(2),
.fade-in.visible .info-box:nth-child(2),
.fade-in.visible .how-step:nth-child(2) { animation-delay: 0.15s; }

.fade-in.visible .trust-number-card:nth-child(3),
.fade-in.visible .trust-card:nth-child(3),
.fade-in.visible .how-step:nth-child(3) { animation-delay: 0.25s; }

.fade-in.visible .trust-number-card:nth-child(4) { animation-delay: 0.35s; }

@keyframes stagger-in {
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* --- 3. Hero Entrance Animation --- */
.hero-content .hero-kicker,
.hero-content .hero-title,
.hero-content .hero-sub,
.hero-content .hero-rail {
  opacity: 0;
  transform: translateY(18px);
  animation: hero-reveal 0.7s cubic-bezier(0.25, 0.46, 0.45, 0.94) forwards;
}

.hero-content .hero-kicker  { animation-delay: 0.1s; }
.hero-content .hero-title   { animation-delay: 0.25s; }
.hero-content .hero-sub     { animation-delay: 0.4s; }
.hero-content .hero-rail    { animation-delay: 0.55s; }

@keyframes hero-reveal {
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* Hero stage cards entrance */
.hero-stage-card {
  opacity: 0;
  animation: card-float-in 0.8s cubic-bezier(0.25, 0.46, 0.45, 0.94) forwards;
}

.hero-stage-card-top    { animation-delay: 0.6s; }
.hero-stage-card-bottom { animation-delay: 0.85s; }

@keyframes card-float-in {
  from {
    opacity: 0;
    transform: translateY(24px) scale(0.96);
  }
  to {
    opacity: 1;
    transform: translateY(0) scale(1);
  }
}

/* Hero figure entrance */
.hero-figure {
  opacity: 0;
  animation: figure-rise 0.9s cubic-bezier(0.25, 0.46, 0.45, 0.94) 0.3s forwards;
}

@keyframes figure-rise {
  from {
    opacity: 0;
    transform: translateY(30px) scale(0.98);
  }
  to {
    opacity: 1;
    transform: translateY(0) scale(1);
  }
}

/* --- 4. Section Backgrounds — Visual Rhythm --- */
.hero {
  background: linear-gradient(180deg, #F0F5FF 0%, #FFFFFF 80%);
}

.trust-numbers {
  background: #FFFFFF;
  position: relative;
}

.trust-stats {
  background: linear-gradient(180deg, #FFFFFF 0%, #F0F5FF 50%, #FFFFFF 100%);
}

.biz-loan-section {
  background: #FFFFFF;
}

.how-section {
  background: #F8FAFC;
}

.testimonials-section {
  background: #FFFFFF;
}

#faq {
  background: #F8FAFC;
}

/* Section divider wave (hero → trust-numbers) */
.hero::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  right: 0;
  height: 40px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 40' preserveAspectRatio='none'%3E%3Cpath d='M0,20 C360,40 720,0 1080,20 C1260,30 1380,20 1440,20 L1440,40 L0,40 Z' fill='%23FFFFFF'/%3E%3C/svg%3E") no-repeat center / 100% 100%;
  z-index: 3;
  pointer-events: none;
}

/* --- 5. Card Hover Micro-interactions --- */
.trust-card {
  transition: transform 0.3s cubic-bezier(0.25, 0.46, 0.45, 0.94),
              box-shadow 0.3s ease,
              border-color 0.3s ease;
}

.trust-card:hover {
  transform: translateY(-8px) scale(1.01);
  box-shadow: 0 24px 48px rgba(49, 130, 246, 0.1);
  border-color: rgba(49, 130, 246, 0.3);
}

.biz-loan-card {
  transition: transform 0.3s cubic-bezier(0.25, 0.46, 0.45, 0.94),
              box-shadow 0.3s ease,
              border-color 0.3s ease;
}

.biz-loan-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 36px rgba(0, 0, 0, 0.08);
  border-color: var(--toss-blue);
}

.info-box {
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.info-box:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 28px rgba(0, 0, 0, 0.06);
}

.how-step .step-circle {
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.how-step:hover .step-circle {
  transform: scale(1.08);
  box-shadow: 0 8px 24px rgba(49, 130, 246, 0.15);
}

/* --- 6. Form Success Toast --- */
.form-success-toast {
  position: fixed;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%) scale(0.9);
  background: rgba(255, 255, 255, 0.98);
  border-radius: 20px;
  padding: 36px 48px;
  box-shadow: 0 24px 64px rgba(0, 0, 0, 0.16);
  z-index: 100000;
  text-align: center;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.35s ease, transform 0.35s cubic-bezier(0.25, 0.46, 0.45, 0.94);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid var(--toss-gray-100);
}

.form-success-toast.show {
  opacity: 1;
  pointer-events: auto;
  transform: translate(-50%, -50%) scale(1);
}

.form-success-toast .toast-icon {
  width: 56px;
  height: 56px;
  margin: 0 auto 16px;
  background: linear-gradient(135deg, #1BC47D, #17a86c);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 28px;
  color: #fff;
}

.form-success-toast .toast-title {
  font-size: 20px;
  font-weight: 800;
  color: var(--toss-black);
  margin-bottom: 8px;
}

.form-success-toast .toast-desc {
  font-size: 15px;
  color: var(--toss-gray-500);
  line-height: 1.5;
}

.form-success-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.3);
  z-index: 99999;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s ease;
}

.form-success-overlay.show {
  opacity: 1;
  pointer-events: auto;
}

/* --- 7. Subtle Background Noise Texture (Global) --- */
body::after {
  content: '';
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 99998;
  opacity: 0.018;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
  background-repeat: repeat;
  background-size: 200px;
  mix-blend-mode: multiply;
}

/* --- 8. Responsive Overrides for New Styles --- */
@media (max-width: 768px) {
  .hero-title,
  .section-title,
  .trust-section-title {
    font-family: 'IBM Plex Sans KR', 'Pretendard Variable', sans-serif;
  }

  .hero::after {
    height: 24px;
  }
}

@media (max-width: 480px) {
  .form-success-toast {
    width: 90%;
    padding: 28px 24px;
  }
}

/* ===== 9. RESPONSIVE OPTIMIZATION — 반응형 통합 보정 ===== */

/* --- 9-1. CTA-v2 반응형 (768px) --- */
@media (max-width: 768px) {
  .cta-v2-header {
    flex-direction: column;
    gap: 20px;
    text-align: center;
  }

  .cta-v2-header-left,
  .cta-v2-header-right {
    flex: unset;
    width: 100%;
  }

  .cta-v2-headline {
    font-size: 26px;
  }

  .cta-v2-counter {
    font-size: 22px;
  }

  .cta-v2-stats {
    flex-wrap: wrap;
    justify-content: center;
  }

  .cta-v2-stat {
    padding: 12px 16px;
    flex: 1;
    min-width: 100px;
  }

  .final-cta-v2 {
    padding: 48px 0 56px;
  }

  .cta-v2-right {
    padding: 24px 20px;
  }

  .cta-inline-row {
    flex-direction: column;
    gap: 12px;
  }

  .cta-inline-submit {
    width: 100%;
    height: 48px;
    font-size: 16px;
  }

  .cta-inline-consent {
    flex-direction: column;
    align-items: flex-start;
    gap: 8px;
  }
}

/* --- 9-2. Info Grid 반응형 (640px) --- */
@media (max-width: 640px) {
  .info-grid {
    grid-template-columns: 1fr;
  }

  .info-box {
    padding: 28px 20px;
  }

  .info-tit {
    font-size: 20px;
  }
}

/* --- 9-3. CTA-v2 초소형 화면 (480px) --- */
@media (max-width: 480px) {
  .cta-v2-stats {
    flex-direction: column;
  }

  .cta-v2-stat {
    border-radius: 10px !important;
  }

  .cta-v2-stat:first-child {
    border-radius: 10px !important;
  }

  .cta-v2-stat:last-child {
    border-radius: 10px !important;
  }

  .cta-v2-headline {
    font-size: 22px;
  }

  .cta-v2-counter {
    font-size: 18px;
  }

  .cta-v2-date {
    font-size: 12px;
  }

  .cta-v2-stat-value {
    font-size: 18px;
  }

  .cta-v2-stat-label {
    font-size: 12px;
  }

  .cta-v2-field label {
    font-size: 12px;
  }

  .cta-v2-field {
    grid-template-columns: 60px 1fr;
  }
}

/* --- 9-4. 후기 Swiper 보정 (768px) --- */
@media (max-width: 768px) {
  .review-slider-v2 .swiper {
    overflow: visible;
  }

  .review-card-v2 {
    min-width: 280px;
  }

  .rv2-left {
    padding: 14px 16px;
  }

  .rv2-right {
    padding: 14px 16px;
  }

  .rv2-text {
    font-size: 14px;
  }
}

/* --- 9-5. Hero padding 보정 (480px) --- */
@media (max-width: 480px) {
  .hero {
    padding-top: 90px;
  }
}

/* --- 9-6. Floating Buttons 위치 보정 --- */
@media (max-width: 768px) {
  .float-btns {
    bottom: 24px;
    right: 16px;
  }

  .float-btns .float-btn {
    width: 48px;
    height: 48px;
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.15);
  }
}

/* --- 9-7. Products Grid 태블릿 보정 --- */
@media (max-width: 1024px) and (min-width: 769px) {
  .products-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
  }
}

/* --- 9-8. Section Title 폰트사이즈 모바일 보정 --- */
@media (max-width: 480px) {
  .section-title {
    font-size: 26px;
  }

  .section-desc {
    font-size: 14px;
  }

  .section-kicker {
    font-size: 13px;
  }

  .section-padding {
    padding: 56px 0;
  }
}

/* --- 9-9. Caution Grid 태블릿 보정 --- */
@media (max-width: 1024px) and (min-width: 769px) {
  .caution-grid {
    grid-template-columns: 1fr 1fr;
    gap: 20px;
  }
}

/* ==========================================================================
   20. Form Result Toast UI (안내창)
   ========================================================================== */
.form-result-overlay {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(0, 0, 0, 0.4);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.3s ease, visibility 0.3s ease;
}
.form-result-overlay.show {
  opacity: 1;
  visibility: visible;
}

.form-result-toast {
  background: var(--white);
  border-radius: 16px;
  padding: 32px 24px;
  text-align: center;
  max-width: 320px;
  width: 90%;
  box-shadow: 0 16px 32px rgba(0, 0, 0, 0.12);
  transform: translateY(20px) scale(0.95);
  opacity: 0;
  transition: all 0.4s cubic-bezier(0.34, 1.56, 0.64, 1);
}
.form-result-overlay.show .form-result-toast {
  transform: translateY(0) scale(1);
  opacity: 1;
}

.toast-icon {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 28px;
  margin: 0 auto 16px;
}
.toast-icon[data-type="success"] {
  background: #E8F3FF;
  color: var(--toss-blue);
}
.toast-icon[data-type="error"] {
  background: #FEECEB;
  color: var(--toss-red); /* #F04452 */
}
.toast-icon[data-type="loading"] {
  background: var(--toss-gray-50);
  color: var(--toss-gray-700);
  animation: spin 1s linear infinite;
}
@keyframes spin { 100% { transform: rotate(360deg); } }

.toast-title {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--toss-black);
  margin-bottom: 8px;
  line-height: 1.4;
}
.toast-desc {
  font-size: 0.9375rem;
  color: var(--toss-gray-700);
  line-height: 1.5;
  white-space: pre-wrap;
  word-break: keep-all;
}
.toast-close-btn {
  margin-top: 24px;
  width: 100%;
  background: var(--toss-gray-50);
  color: var(--toss-gray-700);
  border: none;
  padding: 12px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  transition: background 0.2s;
}
.toast-close-btn:hover {
  background: var(--toss-gray-200);
}

/* ===== Android & iOS App-like Mobile Optimizations ===== */
@media (max-width: 768px) {
  /* 네이티브 앱처럼 좌우 여백을 최소화하여 몰입감 상승 */
  .container {
    padding: 0 16px;
  }
  
  /* 모바일 하단 네비게이션 꽉 찬 느낌 및 safe-area 대응 */
  .mobile-fixed-form,
  .fixed-bottom-bar-mobile,
  .floating-btn-wrap {
    padding-bottom: env(safe-area-inset-bottom, 16px);
  }

  /* 플로팅 버튼 터치 타겟 최소 규격(48px) 강제 제어 */
  .float-btn {
    min-width: 48px;
    min-height: 48px;
    display: flex;
    align-items: center;
    justify-content: center;
  }
}

/* ===== CONSENT STRUCTURE ===== */
.consent-all-label {
  display: flex;
  align-items: center;
  gap: 6px;
  margin-bottom: 8px;
  cursor: pointer;
}

.consent-detail-list {
  display: flex;
  flex-direction: column;
  gap: 4px;
  margin-bottom: 8px;
}

.consent-detail-list label {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  color: #4E5968;
  cursor: pointer;
}

.consent-detail-info {
  font-size: 11px;
  color: #8B95A1;
  line-height: 1.5;
  margin-top: 4px;
}

.privacy-link,
.form-consent-info a,
.mf-privacy-link,
.fixed-bar-privacy-link {
  color: #3182F6;
  text-decoration: underline;
  font-size: 11px;
}

.footer-privacy-badge {
  text-decoration: none;
  color: #3182F6 !important;
  border-color: #3182F6 !important;
  margin-left: 8px;
}

.footer-privacy-badge:hover {
  background: #3182F6;
  color: #fff !important;
}

.form-consent-info {
  font-size: 11px;
  color: #8B95A1;
  margin-top: 4px;
  line-height: 1.5;
}

/* ===== FLOATING FORM CONSENT ===== */
.floating-form-card .form-consent {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 4px 12px;
  padding: 10px 0;
  border-top: 1px solid #f2f4f6;
}

.floating-form-card .checkbox-label {
  display: flex;
  align-items: center;
  gap: 5px;
  cursor: pointer;
  font-size: 12px;
}

.floating-form-card .checkbox-label input[type="checkbox"] {
  width: 16px;
  height: 16px;
  accent-color: #3182F6;
  flex-shrink: 0;
  margin: 0;
}

.floating-form-card .checkbox-text {
  font-size: 12px;
  color: #4E5968;
  line-height: 1.3;
  white-space: nowrap;
}

.floating-form-card .form-consent-info {
  width: 100%;
  font-size: 10px;
  color: #8B95A1;
  margin-top: 2px;
  line-height: 1.4;
}

.floating-form-card .form-consent-info a {
  color: #3182F6;
  font-size: 10px;
}

/* ===== FRAUD WARNING POPUP ===== */
.fraud-popup {
  position: fixed;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  z-index: 99999;
  width: 90%;
  max-width: 420px;
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 10px 50px rgba(0,0,0,0.15);
  display: flex;
  flex-direction: column;
  animation: popupFadeIn 0.3s ease;
  overflow: hidden;
  border: 1px solid #e5e8eb;
}

.fraud-popup.hidden {
  display: none;
}

@keyframes popupFadeIn {
  from { opacity: 0; transform: translate(-50%, -45%); }
  to { opacity: 1; transform: translate(-50%, -50%); }
}

.fraud-blue-wrapper {
  background: #3182F6;
  padding: 16px 16px 0 16px;
}

.fraud-white-card {
  background: #fff;
  border-radius: 16px 16px 0 0;
  padding: 40px 24px;
  text-align: center;
}

.fraud-txt-1 {
  font-size: 14px;
  color: #4E5968;
  line-height: 1.5;
  margin-bottom: 12px;
  word-break: keep-all;
}

.fraud-txt-2 {
  font-size: 18px;
  font-weight: 700;
  color: #191F28;
  line-height: 1.4;
  margin-bottom: 24px;
  word-break: keep-all;
}

.yellow-line {
  display: inline-block;
  box-shadow: inset 0 -12px 0 rgba(255, 214, 0, 0.4);
}

.fraud-txt-3 {
  font-size: 13px;
  color: #8B95A1;
  line-height: 1.5;
  margin-bottom: 24px;
  word-break: keep-all;
}

.fraud-txt-4 {
  font-size: 13px;
  color: #4E5968;
  line-height: 1.5;
  margin-bottom: 40px;
  word-break: keep-all;
}

.fraud-brand {
  font-size: 16px;
  font-weight: 800;
  color: #3182F6;
}

.fraud-bottom-bar {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 14px 20px;
  background: #fff;
}

.fraud-hide-label {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  color: #333;
  cursor: pointer;
  margin-right: 16px;
}

.fraud-hide-label input {
  width: 14px;
  height: 14px;
  margin: 0;
  accent-color: #3182F6;
}

.fraud-hide-label::after {
  content: "";
  display: block;
  width: 1px;
  height: 12px;
  background: #e5e8eb;
  margin-left: 16px;
}

.fraud-close-btn {
  background: transparent;
  color: #333;
  border: none;
  font-size: 13px;
  cursor: pointer;
  padding: 0;
}

@media (max-width: 480px) {
  .fraud-txt-1 { font-size: 13px; }
  .fraud-txt-2 { font-size: 16px; }
  .fraud-white-card { padding: 32px 20px; }
}

/* ===== Hero Trust Badges ===== */
.hero-trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  justify-content: center;
  margin-top: 16px;
}
.hero-trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 6px 14px;
  background: rgba(49, 130, 246, 0.08);
  border: 1px solid rgba(49, 130, 246, 0.15);
  border-radius: 20px;
  font-size: 12px;
  color: var(--toss-gray-700);
  white-space: nowrap;
}
@media (max-width: 640px) {
  .hero-trust-badges {
    gap: 6px;
  }
  .hero-trust-badge {
    font-size: 11px;
    padding: 5px 10px;
  }
}

/* ===== CTA Trust Strip (폼 아래 사업자 정보) ===== */
.cta-trust-strip {
  display: flex;
  flex-wrap: wrap;
  gap: 12px 24px;
  justify-content: center;
  margin-top: 20px;
  padding: 14px 20px;
  background: var(--toss-gray-50);
  border-radius: 12px;
  border: 1px solid var(--toss-gray-100);
}
.cta-trust-strip span {
  font-size: 12px;
  color: var(--toss-gray-500);
  white-space: nowrap;
}
.cta-trust-strip a {
  color: var(--toss-blue);
  text-decoration: none;
  font-weight: 600;
}
@media (max-width: 640px) {
  .cta-trust-strip {
    gap: 6px;
    padding: 12px 16px;
    flex-direction: column;
    align-items: center;
  }
  .cta-trust-strip span {
    font-size: 11px;
  }
}

/* ==========================================================================
   LP 헤더 로고 옆 브랜딩 텍스트
   ========================================================================== */
.lp-logo-info {
    display: flex;
    flex-direction: column;
    gap: 1px;
    margin-left: 14px;
    padding-left: 14px;
    border-left: 2px solid rgba(49, 130, 246, .25);
}
.lp-logo-slogan {
    font-size: 12px;
    font-weight: 600;
    color: #222;
    letter-spacing: -0.02em;
    white-space: nowrap;
}
.lp-logo-slogan em {
    font-style: normal;
    color: #3182F6;
    font-weight: 800;
}
.lp-logo-reg {
    font-size: 10px;
    color: #888;
    letter-spacing: -0.01em;
    white-space: nowrap;
}

@media (max-width: 768px) {
    .lp-logo-info {
        display: none;
    }
}

/* ==========================================================================
   LP 전용 히어로 (담픽 스타일 — 블루 그라디언트 + 해시태그 배지 + 스펙 테이블)
   ========================================================================== */

/* --- LP Hero Section --- */
.lp-hero {
  position: relative;
  background: linear-gradient(135deg, #0052a5 30%, #1a8cef 100%);
  padding: 120px 0 56px;
  overflow: hidden;
}
.lp-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg viewBox='0 0 400 400' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.6' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.04'/%3E%3C/svg%3E");
  pointer-events: none;
}
.lp-hero::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0; right: 0;
  height: 40px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 40' preserveAspectRatio='none'%3E%3Cpath d='M0,20 C360,40 720,0 1080,20 C1260,30 1380,20 1440,20 L1440,40 L0,40 Z' fill='%23FFFFFF'/%3E%3C/svg%3E") no-repeat center / 100% 100%;
  z-index: 3;
  pointer-events: none;
}

.lp-hero-inner {
  position: relative;
  z-index: 2;
  max-width: 900px;
  margin: 0 auto;
}

/* LP Hero Title */
.lp-hero-title {
  font-family: 'IBM Plex Sans KR', 'Pretendard Variable', sans-serif;
  font-size: clamp(32px, 5vw, 48px);
  font-weight: 700;
  color: #fff;
  line-height: 1.25;
  letter-spacing: -0.02em;
  margin: 0 0 16px;
}

/* LP Hero Subtitle */
.lp-hero-subtitle {
  font-size: clamp(15px, 2vw, 18px);
  color: rgba(255,255,255,0.9);
  line-height: 1.6;
  margin: 0 0 24px;
  font-weight: 400;
}

/* LP Hero Tags (해시태그 배지) */
.lp-hero-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 0 0 20px;
}

.lp-hero-tag {
  display: inline-flex;
  align-items: center;
  padding: 7px 16px;
  background: rgba(255,255,255,0.18);
  border: 1px solid rgba(255,255,255,0.3);
  border-radius: 24px;
  font-size: 13px;
  font-weight: 600;
  color: #fff;
  white-space: nowrap;
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  transition: background 0.2s, transform 0.2s;
}
.lp-hero-tag:hover {
  background: rgba(255,255,255,0.28);
  transform: translateY(-1px);
}

/* LP Hero Trust Badges (등록번호 등) */
.lp-hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 12px 20px;
  margin-top: 8px;
}
.lp-hero-trust-item {
  font-size: 12px;
  color: rgba(255,255,255,0.7);
  font-weight: 500;
}

/* --- LP Spec Table (상품 상세 조건) --- */
.lp-spec {
  background: #fff;
  padding: 56px 0;
}

.lp-spec-header {
  text-align: center;
  margin-bottom: 36px;
}
.lp-spec-header h2 {
  font-family: 'IBM Plex Sans KR', 'Pretendard Variable', sans-serif;
  font-size: clamp(22px, 3vw, 30px);
  font-weight: 700;
  color: #191F28;
  margin: 0 0 8px;
}
.lp-spec-header p {
  font-size: 15px;
  color: #8B95A1;
  margin: 0;
}

.lp-spec-table {
  max-width: 820px;
  margin: 0 auto;
  border-top: 2px solid #191F28;
}

.lp-spec-row {
  display: grid;
  grid-template-columns: 140px 1fr;
  border-bottom: 1px solid #E5E8EB;
  min-height: 56px;
}

.lp-spec-label {
  display: flex;
  align-items: center;
  padding: 16px 20px;
  background: #F8FAFC;
  font-size: 14px;
  font-weight: 700;
  color: #333D4B;
  border-right: 1px solid #E5E8EB;
}

.lp-spec-value {
  display: flex;
  align-items: center;
  padding: 16px 24px;
  font-size: 14px;
  color: #4E5968;
  line-height: 1.6;
}
.lp-spec-value strong {
  color: #191F28;
  font-weight: 700;
}
.lp-spec-value .spec-highlight {
  color: var(--toss-blue, #3182F6);
  font-weight: 700;
}

/* LP Spec CTA Button */
.lp-spec-cta {
  text-align: center;
  margin-top: 32px;
}
.lp-spec-cta a {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 36px;
  background: var(--toss-blue, #3182F6);
  color: #fff;
  border-radius: 12px;
  font-size: 16px;
  font-weight: 700;
  text-decoration: none;
  transition: background 0.2s, transform 0.2s, box-shadow 0.2s;
  box-shadow: 0 4px 16px rgba(49,130,246,0.25);
}
.lp-spec-cta a:hover {
  background: #1b6ae8;
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(49,130,246,0.35);
}

/* --- LP Hero Responsive --- */
@media (max-width: 768px) {
  .lp-hero {
    padding: 100px 0 40px;
  }
  .lp-hero-title {
    font-size: clamp(26px, 6vw, 36px);
  }
  .lp-hero-tag {
    font-size: 12px;
    padding: 6px 12px;
  }
  .lp-hero::after {
    height: 24px;
  }
  .lp-spec-row {
    grid-template-columns: 110px 1fr;
  }
  .lp-spec-label {
    padding: 12px 14px;
    font-size: 13px;
  }
  .lp-spec-value {
    padding: 12px 16px;
    font-size: 13px;
  }
}

@media (max-width: 480px) {
  .lp-hero {
    padding: 90px 0 32px;
  }
  .lp-hero-title {
    font-size: 24px;
  }
  .lp-hero-subtitle {
    font-size: 14px;
  }
  .lp-hero-tags {
    gap: 6px;
  }
  .lp-hero-tag {
    font-size: 11px;
    padding: 5px 10px;
  }
  .lp-spec-row {
    grid-template-columns: 90px 1fr;
  }
  .lp-spec-label {
    padding: 10px 12px;
    font-size: 12px;
  }
  .lp-spec-value {
    padding: 10px 14px;
    font-size: 12px;
  }
}