/* ============================
   CSS VARIABLES & RESET
============================ */
:root {
  --primary: #0f172a;
  --primary-light: #1e293b;
  --accent: #2563eb;
  --accent-light: #3b82f6;
  --accent-glow: rgba(37, 99, 235, 0.25);
  --green: #10b981;
  --green-light: #34d399;
  --red: #ef4444;
  --amber: #f59e0b;
  --purple: #8b5cf6;
  --text: #1e293b;
  --text-muted: #64748b;
  --text-light: #94a3b8;
  --bg-light: #f1f5f9;
  --bg-card: #ffffff;
  --border: #e2e8f0;
  --white: #ffffff;
  --font: 'Noto Sans KR', sans-serif;
  --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.08), 0 1px 2px rgba(0, 0, 0, 0.04);
  --shadow-md: 0 4px 16px rgba(0, 0, 0, 0.08), 0 2px 6px rgba(0, 0, 0, 0.05);
  --shadow-lg: 0 10px 30px rgba(0, 0, 0, 0.10), 0 4px 10px rgba(0, 0, 0, 0.06);
  --radius: 14px;
  --radius-sm: 8px;
  --radius-lg: 20px;
}

*,
*::before,
*::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  overflow-x: hidden;
  font-size: 15px;
}

body {
  font-family: var(--font);
  color: var(--text);
  line-height: 1.75;
  background: var(--white);
  overflow-x: hidden;
}

a {
  text-decoration: none;
  color: inherit;
}

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

.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 20px;
}

section,
footer {
  width: 100vw;
  position: relative;
  left: 50%;
  right: 50%;
  margin-left: -50vw;
  margin-right: -50vw;
}

/* ============================
   HEADER
============================ */
header {
  width: 100%;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 16px 0;
  position: sticky;
  top: 0;
  left: 0;
  z-index: 1000;
  box-shadow: var(--shadow-sm);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 18px;
  font-weight: 800;
  color: var(--primary);
  letter-spacing: -0.5px;
}

.logo-icon {
  width: 36px;
  height: 36px;
  background: var(--accent);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.logo-badge {
  background: var(--accent);
  color: var(--white);
  font-size: 11px;
  font-weight: 700;
  padding: 3px 8px;
  border-radius: 20px;
  letter-spacing: 0.3px;
}

/* ============================
   HERO
============================ */
.hero {
  position: relative;
  min-height: 88vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  color: var(--white);
  overflow: hidden;
  background:
    linear-gradient(135deg, rgba(8, 0, 0, 0.82) 0%, rgba(0, 0, 0, 0.78) 50%, rgba(0, 0, 0, 0.85) 100%),
    url('cardcashlab_hero.png') center center / cover no-repeat;
}

.hero-bg-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(139, 92, 246, 0.08) 1px, transparent 1px),
    linear-gradient(90deg, rgba(139, 92, 246, 0.08) 1px, transparent 1px);
  background-size: 60px 60px;
}

.hero-bg-glow {
  position: absolute;
  top: -20%;
  left: 50%;
  transform: translateX(-50%);
  width: 800px;
  height: 600px;
  background: radial-gradient(ellipse, rgba(139, 92, 246, 0.2) 0%, transparent 70%);
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 860px;
  padding: 0 20px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(139, 92, 246, 0.2);
  border: 1px solid rgba(139, 92, 246, 0.4);
  backdrop-filter: blur(10px);
  border-radius: 30px;
  padding: 8px 20px;
  font-size: 13px;
  font-weight: 600;
  color: #c4b5fd;
  margin-bottom: 28px;
  animation: fadeInDown 0.8s ease both;
}

.hero-badge-dot {
  width: 7px;
  height: 7px;
  background: #34d399;
  border-radius: 50%;
  animation: pulse 1.8s ease infinite;
}

@keyframes pulse {

  0%,
  100% {
    opacity: 1;
    transform: scale(1);
  }

  50% {
    opacity: 0.5;
    transform: scale(0.85);
  }
}

.hero h1 {
  font-size: clamp(2rem, 5vw, 3.4rem);
  font-weight: 900;
  line-height: 1.25;
  margin-bottom: 22px;
  letter-spacing: -1px;
  animation: fadeInUp 0.9s ease 0.1s both;
}

.hero h1 .highlight {
  color: #a78bfa;
  position: relative;
}

.hero-sub {
  font-size: clamp(1rem, 2vw, 1.2rem);
  color: rgba(255, 255, 255, 0.75);
  margin-bottom: 40px;
  line-height: 1.8;
  animation: fadeInUp 0.9s ease 0.2s both;
}

.hero-cta-group {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
  animation: fadeInUp 0.9s ease 0.3s both;
}

.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 15px 34px;
  background: var(--accent);
  color: var(--white);
  font-size: 1rem;
  font-weight: 700;
  border-radius: 50px;
  border: none;
  cursor: pointer;
  transition: all 0.25s ease;
  box-shadow: 0 0 30px rgba(37, 99, 235, 0.45);
  letter-spacing: 0.2px;
}

.btn-primary:hover {
  background: var(--accent-light);
  transform: translateY(-3px);
  box-shadow: 0 0 45px rgba(37, 99, 235, 0.6);
}

.btn-secondary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 15px 34px;
  background: rgba(255, 255, 255, 0.1);
  color: var(--white);
  font-size: 1rem;
  font-weight: 600;
  border-radius: 50px;
  border: 1px solid rgba(255, 255, 255, 0.25);
  backdrop-filter: blur(10px);
  cursor: pointer;
  transition: all 0.25s ease;
}

.btn-secondary:hover {
  background: rgba(255, 255, 255, 0.18);
  transform: translateY(-3px);
}

.hero-stats {
  display: flex;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
  margin-top: 56px;
  padding-top: 40px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  animation: fadeInUp 0.9s ease 0.5s both;
}

.hero-stat-item {
  text-align: center;
}

.hero-stat-num {
  font-size: 2rem;
  font-weight: 900;
  color: #a78bfa;
  letter-spacing: -1px;
  display: block;
}

.hero-stat-label {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.55);
  margin-top: 4px;
}

/* ============================
   TRUST BAR
============================ */
.trust-bar {
  background: var(--primary);
  padding: 18px 0;
  overflow: hidden;
}

.trust-bar-inner {
  display: flex;
  gap: 56px;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 9px;
  color: rgba(255, 255, 255, 0.85);
  font-size: 13px;
  font-weight: 600;
  white-space: nowrap;
}

.trust-item svg {
  color: var(--green);
  flex-shrink: 0;
}

/* ============================
   BANNER
============================ */
.banner-section {
  background: var(--bg-light);
  padding: 36px 0;
  border-bottom: 1px solid var(--border);
}

.banner-grid {
  display: flex;
  gap: 20px;
  justify-content: center;
  flex-wrap: wrap;
}

.banner-card {
  flex: 1;
  min-width: 280px;
  max-width: 540px;
  background: linear-gradient(135deg, #1e1b4b 0%, #3730a3 100%);
  border-radius: var(--radius);
  padding: 28px 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  color: var(--white);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
  box-shadow: var(--shadow-md);
  cursor: pointer;
}

.banner-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

.banner-card-text strong {
  display: block;
  font-size: 1.15rem;
  font-weight: 800;
  margin-bottom: 6px;
}

.banner-card-text span {
  font-size: 0.88rem;
  color: rgba(255, 255, 255, 0.7);
}

.banner-card-btn {
  background: var(--white);
  color: #3730a3;
  font-weight: 700;
  font-size: 0.88rem;
  padding: 10px 18px;
  border-radius: 30px;
  white-space: nowrap;
  flex-shrink: 0;
  transition: all 0.2s ease;
}

.banner-card:hover .banner-card-btn {
  background: #e0e7ff;
}

/* ============================
   BANNER IMAGE PAIR
============================ */
.banner-img-pair {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  justify-content: center;
}

.banner-img-section {
  background: var(--bg-light);
  padding: 0px 0 56px;
}

.banner-img-pair>div {
  flex: 1;
}

.img-placeholder {
  width: 100%;
  height: 200px;
  background: #e2e8f0;
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-muted);
  font-size: 0.9rem;
  font-weight: 600;
  border: 2px dashed #cbd5e1;
}

/* ============================
   SECTION COMMON
============================ */
.section {
  padding: 90px 0;
}

.section-alt {
  background: var(--bg-light);
}

.section-header {
  text-align: center;
  margin-bottom: 56px;
}

.section-label {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: #eff6ff;
  color: var(--accent);
  font-size: 12px;
  font-weight: 700;
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 16px;
  letter-spacing: 0.5px;
  text-transform: uppercase;
}

.section-label.purple-label {
  background: #ede9fe;
  color: #7c3aed;
}

.section-title {
  font-size: clamp(1.7rem, 3.5vw, 2.3rem);
  font-weight: 900;
  color: var(--primary);
  margin-bottom: 14px;
  letter-spacing: -0.8px;
  line-height: 1.3;
}

.section-desc {
  font-size: 1.05rem;
  color: var(--text-muted);
  max-width: 640px;
  margin: 0 auto;
  line-height: 1.8;
}

.section-divider {
  width: 56px;
  height: 4px;
  background: linear-gradient(90deg, var(--accent), var(--purple));
  border-radius: 4px;
  margin: 18px auto 0;
}

/* ============================
   SECTION 1: 개념 — TIMELINE
============================ */
.timeline-flow {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
  margin-bottom: 40px;
}

.timeline-node {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  width: 150px;
}

.timeline-circle {
  width: 64px;
  height: 64px;
  background: var(--accent);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 1.4rem;
  box-shadow: 0 4px 20px rgba(37, 99, 235, 0.35);
  margin-bottom: 12px;
  position: relative;
  z-index: 1;
}

.timeline-node strong {
  font-size: 0.88rem;
  font-weight: 800;
  color: var(--primary);
  display: block;
  margin-bottom: 4px;
}

.timeline-node span {
  font-size: 0.78rem;
  color: var(--text-muted);
  line-height: 1.5;
}

.timeline-arrow {
  width: 48px;
  height: 2px;
  background: linear-gradient(90deg, var(--accent), var(--purple));
  position: relative;
  flex-shrink: 0;
  margin-bottom: 52px;
}

.timeline-arrow::after {
  content: '';
  position: absolute;
  right: -6px;
  top: -5px;
  border: 6px solid transparent;
  border-left-color: var(--purple);
}

.concept-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: start;
}

.concept-text h3 {
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 16px;
  letter-spacing: -0.5px;
}

.concept-text p {
  color: #475569;
  line-height: 1.9;
  margin-bottom: 18px;
  font-size: 1rem;
}

.concept-highlight {
  background: #ede9fe;
  border-left: 4px solid var(--purple);
  padding: 18px 22px;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  margin-top: 10px;
}

.concept-highlight p {
  color: #5b21b6;
  margin: 0;
  font-size: 0.95rem;
  font-weight: 500;
}

.diff-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}

.diff-card-header {
  background: linear-gradient(135deg, #1e1b4b, #3730a3);
  color: white;
  padding: 18px 24px;
  font-size: 1rem;
  font-weight: 800;
  text-align: center;
}

.diff-card-body {
  padding: 24px;
}

.diff-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 11px 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.92rem;
}

.diff-row:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.diff-label {
  color: var(--text-muted);
  font-weight: 500;
}

.diff-value {
  font-weight: 700;
  color: var(--primary);
}

.warning-card {
  background: #fef2f2;
  border: 1px solid #fecaca;
  border-radius: var(--radius);
  padding: 20px 24px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-top: 20px;
}

.warning-card svg {
  color: var(--red);
  flex-shrink: 0;
  margin-top: 2px;
}

.warning-card p {
  color: #7f1d1d;
  font-size: 0.92rem;
  line-height: 1.75;
  margin: 0;
}

.warning-card strong {
  color: var(--red);
}

/* ============================
   SECTION 2: 카드사별 현황
============================ */
.cardco-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 32px;
}

.cardco-card {
  background: var(--white);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  transition: all 0.25s ease;
}

.cardco-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}

.cardco-header {
  padding: 20px 24px;
  color: var(--white);
  display: flex;
  align-items: center;
  gap: 12px;
}

.cardco-header.samsung {
  background: linear-gradient(135deg, #1a1a2e, #16213e);
}

.cardco-header.hyundai {
  background: linear-gradient(135deg, #002f6c, #0d47a1);
}

.cardco-header.kb {
  background: linear-gradient(135deg, #7b5e00, #c4940a);
}

.cardco-header.shinhan {
  background: linear-gradient(135deg, #004ea2, #0062cc);
}

.cardco-header.lotte {
  background: linear-gradient(135deg, #b71c1c, #d32f2f);
}

.cardco-header.hana {
  background: linear-gradient(135deg, #00695c, #00897b);
}

.cardco-icon {
  width: 42px;
  height: 42px;
  background: rgba(255, 255, 255, 0.2);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  font-weight: 900;
  flex-shrink: 0;
}

.cardco-header-text strong {
  display: block;
  font-size: 1.1rem;
  font-weight: 800;
}

.cardco-header-text span {
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.75);
}

.cardco-body {
  padding: 20px 24px;
}

.cardco-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 9px 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.9rem;
}

.cardco-row:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.cardco-row-label {
  color: var(--text-muted);
  font-weight: 500;
}

.cardco-row-value {
  font-weight: 700;
  color: var(--primary);
}

.cardco-status {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 0.82rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 20px;
}

.status-ok {
  background: #d1fae5;
  color: #065f46;
}

.status-warn {
  background: #fef3c7;
  color: #92400e;
}

.cardco-note {
  background: #eff6ff;
  border: 1px solid #bfdbfe;
  border-radius: var(--radius);
  padding: 20px 26px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
}

.cardco-note svg {
  color: var(--accent);
  flex-shrink: 0;
  margin-top: 2px;
}

.cardco-note p {
  color: #1e40af;
  font-size: 0.95rem;
  line-height: 1.8;
  margin: 0;
}

.cardco-note strong {
  color: #1d4ed8;
}

/* ============================
   SECTION 3: 합법성 / 카드깡
============================ */
.legal-compare {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 36px;
}

.legal-col {
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}

.legal-col-header {
  padding: 22px 28px;
  color: white;
  text-align: center;
}

.legal-col.illegal .legal-col-header {
  background: linear-gradient(135deg, #7f1d1d, #991b1b);
}

.legal-col.legal .legal-col-header {
  background: linear-gradient(135deg, #064e3b, #065f46);
}

.legal-col-header .col-title {
  font-size: 1.2rem;
  font-weight: 900;
  margin-bottom: 4px;
}

.legal-col-header .col-sub {
  font-size: 0.82rem;
  opacity: 0.8;
}

.legal-col-body {
  background: white;
  padding: 24px 28px;
}

.legal-point {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.93rem;
}

.legal-point:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.legal-point-icon {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
  font-size: 0.75rem;
  font-weight: 800;
}

.illegal .legal-point-icon {
  background: #fee2e2;
  color: #dc2626;
}

.legal .legal-point-icon {
  background: #d1fae5;
  color: #059669;
}

.legal-point-text strong {
  display: block;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 2px;
}

.legal-point-text span {
  color: var(--text-muted);
  font-size: 0.88rem;
  line-height: 1.6;
}

.legal-conclusion {
  background: linear-gradient(135deg, #1e293b 0%, #1e1b4b 100%);
  border-radius: var(--radius);
  padding: 32px 36px;
  color: var(--white);
  display: flex;
  gap: 20px;
  align-items: flex-start;
}

.legal-conclusion svg {
  color: #a78bfa;
  flex-shrink: 0;
  margin-top: 2px;
}

.legal-conclusion p {
  font-size: 1rem;
  line-height: 1.85;
  color: rgba(255, 255, 255, 0.9);
  margin: 0;
}

.legal-conclusion strong {
  color: #c4b5fd;
}

/* ============================
   SECTION 4: 수수료 계산기
============================ */
.calc-wrap {
  max-width: 780px;
  margin: 0 auto;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}

.calc-header {
  background: linear-gradient(135deg, #1e1b4b 0%, #3730a3 100%);
  padding: 32px 40px;
  color: var(--white);
  display: flex;
  align-items: center;
  gap: 14px;
}

.calc-header-icon {
  width: 50px;
  height: 50px;
  background: rgba(255, 255, 255, 0.15);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.calc-header h3 {
  font-size: 1.3rem;
  font-weight: 800;
  margin-bottom: 4px;
}

.calc-header p {
  font-size: 0.88rem;
  color: rgba(255, 255, 255, 0.65);
  margin: 0;
}

.calc-body {
  padding: 36px 40px;
}

.calc-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 28px;
}

.calc-field label {
  display: block;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--text-muted);
  margin-bottom: 10px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.calc-input-wrap {
  position: relative;
}

.calc-input {
  width: 100%;
  padding: 14px 18px;
  font-size: 1.05rem;
  font-family: var(--font);
  font-weight: 600;
  color: var(--primary);
  background: #f8fafc;
  border: 2px solid var(--border);
  border-radius: var(--radius-sm);
  outline: none;
  transition: border-color 0.2s ease;
}

.calc-input:focus {
  border-color: var(--purple);
  background: var(--white);
}

.calc-input-suffix {
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 0.88rem;
  color: var(--text-muted);
  pointer-events: none;
}

.calc-select {
  width: 100%;
  padding: 14px 18px;
  font-size: 1.05rem;
  font-family: var(--font);
  font-weight: 600;
  color: var(--primary);
  background: #f8fafc;
  border: 2px solid var(--border);
  border-radius: var(--radius-sm);
  outline: none;
  cursor: pointer;
  appearance: none;
  transition: border-color 0.2s ease;
}

.calc-select:focus {
  border-color: var(--purple);
  background: var(--white);
}

.calc-btn {
  width: 100%;
  padding: 16px;
  background: linear-gradient(135deg, #7c3aed, #4f46e5);
  color: var(--white);
  font-size: 1.05rem;
  font-family: var(--font);
  font-weight: 800;
  border: none;
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: all 0.25s ease;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  box-shadow: 0 4px 20px rgba(124, 58, 237, 0.35);
  margin-bottom: 28px;
}

.calc-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(124, 58, 237, 0.5);
}

.calc-result {
  display: none;
  background: linear-gradient(135deg, #065f46 0%, #047857 100%);
  border-radius: var(--radius);
  padding: 28px 30px;
}

.calc-result.visible {
  display: block;
}

.calc-result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.calc-result-row:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.calc-result-label {
  font-size: 0.92rem;
  color: rgba(255, 255, 255, 0.75);
}

.calc-result-value {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--white);
}

.calc-result-main .calc-result-value {
  font-size: 1.6rem;
  font-weight: 900;
  color: #6ee7b7;
}

.calc-result-main .calc-result-label {
  font-size: 1rem;
  color: rgba(255, 255, 255, 0.9);
  font-weight: 600;
}

/* ============================
   SECTION 5: 안전업체 체크리스트
============================ */
.checklist-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-bottom: 36px;
}

.check-card {
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: var(--radius);
  padding: 24px 26px;
  display: flex;
  gap: 16px;
  align-items: flex-start;
  transition: all 0.25s ease;
  box-shadow: var(--shadow-sm);
}

.check-card:hover {
  border-color: var(--purple);
  box-shadow: 0 4px 20px rgba(124, 58, 237, 0.1);
  transform: translateY(-3px);
}

.check-badge {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: #ede9fe;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.check-content strong {
  display: block;
  font-size: 1rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 6px;
}

.check-content p {
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.7;
  margin: 0;
}

.check-score-box {
  background: linear-gradient(135deg, #1e1b4b, #3730a3);
  border-radius: var(--radius);
  padding: 28px 36px;
  color: white;
  display: flex;
  gap: 20px;
  align-items: flex-start;
}

.check-score-box svg {
  color: #a5b4fc;
  flex-shrink: 0;
  margin-top: 2px;
}

.check-score-box p {
  font-size: 1rem;
  line-height: 1.85;
  margin: 0;
}

.check-score-box strong {
  color: #c7d2fe;
}

/* ============================
   SECTION 6: 이용 가이드 (좌우 교차)
============================ */
.guide-alt-steps {
  max-width: 900px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.guide-alt-step {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  align-items: center;
}

.guide-alt-step.reverse {
  direction: rtl;
}

.guide-alt-step.reverse>* {
  direction: ltr;
}

.guide-alt-num-side {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.guide-big-num {
  width: 80px;
  height: 80px;
  background: linear-gradient(135deg, #7c3aed, #4f46e5);
  color: white;
  font-size: 2rem;
  font-weight: 900;
  border-radius: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 24px rgba(124, 58, 237, 0.35);
  margin-bottom: 12px;
}

.guide-alt-num-side strong {
  font-size: 1rem;
  font-weight: 800;
  color: var(--accent);
}

.guide-alt-body {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 32px;
  box-shadow: var(--shadow-sm);
  transition: all 0.25s ease;
}

.guide-alt-body:hover {
  border-color: var(--purple);
  box-shadow: 0 6px 24px rgba(124, 58, 237, 0.1);
}

.guide-alt-body h3 {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 10px;
}

.guide-alt-body p {
  font-size: 0.95rem;
  color: #475569;
  line-height: 1.8;
  margin-bottom: 14px;
}

.guide-tip {
  display: flex;
  align-items: center;
  gap: 8px;
  background: #f0fdf4;
  border: 1px solid #bbf7d0;
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  font-size: 0.88rem;
  color: #166534;
  font-weight: 500;
}

.guide-tip svg {
  color: var(--green);
  flex-shrink: 0;
}

/* ============================
   SECTION 7: 3자 비교표
============================ */
.compare-table-wrap {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow-x: auto;
  overflow-y: hidden;
  -webkit-overflow-scrolling: touch;
  margin-bottom: 30px;
}

.compare-table {
  width: 100%;
  min-width: 640px;
  border-collapse: collapse;
}

.compare-table thead tr {
  background: linear-gradient(135deg, #1e1b4b 0%, #3730a3 100%);
  color: var(--white);
}

.compare-table th {
  padding: 20px 24px;
  text-align: center;
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: -0.3px;
}

.compare-table th:first-child {
  text-align: left;
}

.compare-table tbody tr {
  border-bottom: 1px solid var(--border);
  transition: background 0.15s ease;
}

.compare-table tbody tr:hover {
  background: #f8fafc;
}

.compare-table tbody tr:last-child {
  border-bottom: none;
}

.compare-table td {
  padding: 18px 24px;
  font-size: 0.97rem;
  text-align: center;
  color: var(--text-muted);
}

.compare-table td:first-child {
  text-align: left;
  font-weight: 700;
  color: var(--primary);
}

.compare-badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 0.88rem;
  font-weight: 600;
  padding: 4px 12px;
  border-radius: 20px;
}

.badge-green {
  background: #d1fae5;
  color: #065f46;
}

.badge-blue {
  background: #dbeafe;
  color: #1e40af;
}

.badge-purple {
  background: #ede9fe;
  color: #5b21b6;
}

.badge-gray {
  background: #f1f5f9;
  color: #475569;
}

.badge-amber {
  background: #fef3c7;
  color: #92400e;
}

.compare-info {
  background: #eff6ff;
  border: 1px solid #bfdbfe;
  border-radius: var(--radius);
  padding: 20px 26px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
}

.compare-info svg {
  color: var(--accent);
  flex-shrink: 0;
  margin-top: 2px;
}

.compare-info p {
  color: #1e40af;
  font-size: 0.95rem;
  line-height: 1.8;
  margin: 0;
}

.compare-info strong {
  color: #1d4ed8;
}

/* ============================
   SECTION 8: 주의사항 아코디언
============================ */
.caution-list {
  max-width: 860px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.caution-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.caution-header {
  padding: 20px 26px;
  display: flex;
  align-items: center;
  gap: 16px;
  cursor: pointer;
  user-select: none;
  transition: background 0.15s ease;
}

.caution-header:hover {
  background: #f8fafc;
}

.caution-level {
  padding: 3px 10px;
  border-radius: 20px;
  font-size: 0.78rem;
  font-weight: 800;
  white-space: nowrap;
  flex-shrink: 0;
}

.level-high {
  background: #fee2e2;
  color: #dc2626;
}

.level-mid {
  background: #fef3c7;
  color: #d97706;
}

.caution-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--primary);
  flex: 1;
  line-height: 1.4;
}

.caution-icon {
  flex-shrink: 0;
  transition: transform 0.25s ease;
  color: var(--text-muted);
}

.caution-item.open .caution-icon {
  transform: rotate(180deg);
}

.caution-body {
  display: none;
  padding: 0 26px 22px;
  border-top: 1px solid var(--border);
  padding-top: 18px;
}

.caution-item.open .caution-body {
  display: block;
}

.caution-body p {
  font-size: 0.97rem;
  color: #475569;
  line-height: 1.85;
  margin: 0;
}

.caution-alert {
  background: linear-gradient(135deg, #7f1d1d 0%, #991b1b 100%);
  border-radius: var(--radius);
  padding: 28px 34px;
  color: var(--white);
  display: flex;
  gap: 18px;
  align-items: flex-start;
  margin-top: 32px;
}

.caution-alert svg {
  color: #fca5a5;
  flex-shrink: 0;
  margin-top: 2px;
}

.caution-alert p {
  font-size: 1rem;
  line-height: 1.85;
  margin: 0;
}

.caution-alert strong {
  color: #fca5a5;
}

/* ============================
   SECTION 9: 내부링크 허브
============================ */
.hub-section {
  padding: 0;
  background: var(--bg-light);
}

.hub-container {
  padding-top: 56px;
  padding-bottom: 56px;
}

.hub-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.hub-category {
  background: white;
  border-radius: var(--radius-lg);
  padding: 26px 24px;
  box-shadow: var(--shadow-md);
}

.hub-category-title {
  font-size: .82rem;
  font-weight: 800;
  color: #7c3aed;
  margin-bottom: 16px;
  text-transform: uppercase;
  letter-spacing: .6px;
  padding-bottom: 12px;
  border-bottom: 2px solid #ede9fe;
  display: flex;
  align-items: center;
  gap: 8px;
}

.hub-links {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.hub-link {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--text);
  font-size: .88rem;
  font-weight: 600;
  padding: 9px 12px;
  border-radius: 8px;
  border: 1px solid var(--border);
  transition: all .2s;
  background: var(--bg-light);
}

.hub-link:hover {
  border-color: var(--purple);
  color: var(--purple);
  background: #ede9fe;
  transform: translateX(4px);
}

.hub-link svg {
  flex-shrink: 0;
  color: var(--text-muted);
}

.hub-link:hover svg {
  color: var(--purple);
}

/* 섹션별 더 알아보기 */
.section-more-link {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  margin-top: 28px;
  color: var(--purple);
  font-size: .92rem;
  font-weight: 700;
  padding: 11px 22px;
  border: 1.5px solid var(--purple);
  border-radius: 50px;
  transition: all .2s;
}

.section-more-link:hover {
  background: var(--purple);
  color: white;
}

/* ============================
   SECTION 10: FAQ
============================ */
.faq-wrap {
  max-width: 860px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.faq-q {
  padding: 20px 26px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  cursor: pointer;
  font-weight: 700;
  font-size: 1rem;
  color: var(--primary);
  transition: background 0.15s ease;
  user-select: none;
}

.faq-q:hover {
  background: #f8fafc;
}

.faq-q-text {
  display: flex;
  align-items: center;
  gap: 12px;
}

.faq-q-badge {
  background: var(--purple);
  color: var(--white);
  font-size: 0.85rem;
  font-weight: 800;
  width: 28px;
  height: 28px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.faq-icon {
  flex-shrink: 0;
  transition: transform 0.25s ease;
  color: var(--text-muted);
}

.faq-item.open .faq-icon {
  transform: rotate(180deg);
}

.faq-a {
  display: none;
  padding: 0 26px 22px;
  border-top: 1px solid var(--border);
  padding-top: 18px;
}

.faq-item.open .faq-a {
  display: block;
}

.faq-a p {
  font-size: 0.97rem;
  color: #475569;
  line-height: 1.85;
  margin: 0;
}

.faq-note {
  text-align: center;
  color: var(--text-light);
  font-size: 0.85rem;
  margin-top: 28px;
}

/* ============================
   FOOTER
============================ */
footer {
  background: var(--primary);
  color: #94a3b8;
  padding: 52px 0 36px;
}

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

.footer-logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 20px;
  color: var(--white);
  font-size: 1.1rem;
  font-weight: 800;
}

.footer-logo-icon {
  width: 34px;
  height: 34px;
  background: var(--purple);
  border-radius: 9px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.footer-desc {
  font-size: 0.92rem;
  line-height: 1.85;
  margin-bottom: 24px;
  max-width: 580px;
  margin-left: auto;
  margin-right: auto;
}

.footer-divider {
  height: 1px;
  background: rgba(255, 255, 255, 0.08);
  margin: 24px 0;
}

.footer-bottom {
  font-size: 0.85rem;
  color: #475569;
  line-height: 1.7;
}

/* ============================
   FLOATING BANNER
============================ */
.floating-banner {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 999;
  opacity: 0;
  transform: translateY(20px);
  transition: all 0.4s ease;
  pointer-events: none;
}

.floating-banner.visible {
  opacity: 1;
  transform: translateY(0);
  pointer-events: all;
}

.floating-btn {
  display: flex;
  align-items: center;
  gap: 10px;
  background: linear-gradient(135deg, #7c3aed, #4f46e5);
  color: var(--white);
  padding: 14px 22px;
  border-radius: 50px;
  font-size: 0.95rem;
  font-weight: 700;
  box-shadow: 0 6px 30px rgba(124, 58, 237, 0.5);
  transition: all 0.25s ease;
  cursor: pointer;
}

.floating-btn:hover {
  transform: scale(1.04);
}

.floating-btn-dot {
  width: 8px;
  height: 8px;
  background: #6ee7b7;
  border-radius: 50%;
  animation: pulse 1.5s ease infinite;
}

/* ============================
   ANIMATIONS
============================ */
@keyframes fadeInUp {
  from {
    opacity: 0;
    transform: translateY(30px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes fadeInDown {
  from {
    opacity: 0;
    transform: translateY(-20px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.fade-in {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

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

/* ============================
   RESPONSIVE
============================ */
.mobile-br {
  display: none;
}

@media (max-width: 1024px) {
  .hub-grid {
    grid-template-columns: repeat(2, 1fr);
  }

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

@media (max-width: 900px) {
  .concept-grid {
    grid-template-columns: 1fr;
  }

  .legal-compare {
    grid-template-columns: 1fr;
  }

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

  .guide-alt-step {
    grid-template-columns: 1fr;
  }

  .guide-alt-step.reverse {
    direction: ltr;
  }

  .timeline-flow {
    flex-direction: column;
    gap: 12px;
  }

  .timeline-arrow {
    width: 2px;
    height: 32px;
    margin: 0;
  }

  .timeline-arrow::after {
    right: auto;
    top: auto;
    bottom: -6px;
    left: 50%;
    transform: translateX(-50%);
    border: 6px solid transparent;
    border-top-color: var(--purple);
    border-left-color: transparent;
  }
}

@media (max-width: 768px) {
  .section {
    padding: 64px 0;
  }

  .hub-section {
    padding: 0;
  }

  .hub-container {
    padding-top: 64px;
    padding-bottom: 0px;
  }

  .hero-stats {
    gap: 28px;
  }

  .trust-bar-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px 0;
    justify-items: start;
    max-width: 320px;
    margin: 0 auto;
  }

  .banner-grid {
    flex-direction: column;
  }

  .banner-card {
    max-width: 100%;
  }

  .mobile-br {
    display: inline;
  }

  .compare-table-wrap {
    border-radius: var(--radius);
  }

  .compare-table {
    font-size: 0.88rem;
    min-width: 580px;
  }

  .compare-table th {
    padding: 14px;
    white-space: nowrap;
    font-size: 0.88rem;
  }

  .compare-table td {
    padding: 13px 14px;
    white-space: nowrap;
  }

  .calc-body {
    padding: 24px 20px;
  }

  .calc-header {
    padding: 24px 20px;
  }

  .calc-row {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  .legal-conclusion {
    flex-direction: column;
    gap: 14px;
  }

  .caution-alert {
    flex-direction: column;
    gap: 14px;
  }

  .floating-banner {
    bottom: 16px;
    right: 16px;
  }

  .banner-img-pair {
    flex-direction: column;
    align-items: center;
  }

  .banner-img-pair>div {
    display: flex;
    justify-content: center;
    width: 100%;
  }

  .banner-img-section {
    padding: 64px 0 64px;
  }
}

@media (max-width: 540px) {
  .hub-grid {
    grid-template-columns: 1fr;
  }

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

@media (max-width: 480px) {
  .hero h1 {
    font-size: 1.8rem;
  }

  .section-title {
    font-size: 1.55rem;
  }

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

  .btn-primary,
  .btn-secondary {
    width: 100%;
    justify-content: center;
  }
}