@charset "utf-8";
/* 치매보험 노트 (bohum-doumi.co.kr) — 메모리 블루 / 스카이블루 + 라일락 + 민트 (차분·신뢰, 우측 sticky 폼) */
:root{
  --ink:#22304a;--ink2:#33425e;
  --blue:#3a8fdb;--blue-d:#1f72c0;--blue-dd:#0f5390;--blue-soft:#e8f2fc;--blue-soft2:#bcdcf5;
  --lilac:#8079e0;--lilac-d:#5a51c4;--lilac-dd:#3f368f;--lilac-soft:#efedfd;--lilac-soft2:#d3cef7;
  --mint:#2bc2a4;--mint-d:#15a588;--mint-dd:#0b7e66;--mint-soft:#e3f8f3;--mint-soft2:#bdece0;
  --amber:#ffb74d;--amber-d:#e0900f;--amber-soft:#fff3dd;
  --soft:#697892;--bg:#f4f8fd;--bg2:#e9f2fb;--paper:#ffffff;--line:#e4edf6;--line2:#d3e3f1;
  --r:18px;--r-lg:26px;--shadow:0 12px 28px rgba(34,60,110,.1);--shadow-lg:0 24px 52px rgba(34,60,110,.16);
  --shadow-blue:0 12px 26px rgba(31,114,192,.3);--shadow-lilac:0 12px 26px rgba(90,81,196,.3);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Pretendard',system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.74;-webkit-font-smoothing:antialiased;overflow-x:clip}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
button{font-family:inherit;color:inherit}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}

/* ---------- 헤더 ---------- */
header{position:sticky;top:0;z-index:60;background:rgba(244,248,253,.92);backdrop-filter:blur(12px);border-bottom:1px solid var(--line2)}
.nav{display:flex;align-items:center;justify-content:space-between;height:70px}
.brand{display:flex;align-items:center;gap:10px}
.brand .mark{width:37px;height:37px}.brand .mark svg{width:37px;height:37px;filter:drop-shadow(0 4px 10px rgba(31,114,192,.32))}
.brand h1{font-size:20px;font-weight:800;letter-spacing:-.6px;line-height:1;margin:0;color:var(--ink)}
nav ul{display:flex;gap:2px;list-style:none}
nav a{font-weight:600;font-size:14.5px;color:var(--ink);padding:9px 15px;border-radius:999px;transition:background .15s,color .15s}
nav a:hover{background:var(--blue-soft);color:var(--blue-dd)}
nav a.active{color:var(--blue-dd);font-weight:700;background:var(--blue-soft)}
.hbtn{background:var(--blue);color:#fff;border-radius:999px;padding:11px 22px;font-weight:800;font-size:14px;display:inline-flex;align-items:center;gap:6px;transition:transform .15s,box-shadow .15s;letter-spacing:-.2px;box-shadow:var(--shadow-blue)}
.hbtn:hover{transform:translateY(-2px);box-shadow:0 16px 30px rgba(31,114,192,.44);background:var(--blue-d)}
.burger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:6px;background:none;border:0}
.burger span{width:24px;height:2.5px;background:var(--ink);border-radius:2px}
.mmenu{display:none;position:fixed;inset:0;z-index:80;background:rgba(34,48,74,.5)}
.mmenu.open{display:block}
.mpanel{position:absolute;right:0;top:0;height:100%;width:78%;max-width:320px;background:var(--paper);padding:26px 24px;overflow-y:auto;box-shadow:-12px 0 32px rgba(34,48,74,.22)}
.mpanel .x{background:var(--blue-soft);border:0;width:38px;height:38px;border-radius:50%;font-size:20px;font-weight:800;cursor:pointer;display:block;margin-left:auto;color:var(--blue-dd)}
.mpanel ul{list-style:none;margin-top:18px}
.mpanel li{border-bottom:1px solid var(--line)}
.mlink{display:block;padding:14px 6px;font-weight:700;font-size:16px;color:var(--ink)}
.mlink:hover{color:var(--blue-dd)}
.mlink.hl{background:var(--blue);color:#fff;text-align:center;border-radius:999px;margin-top:18px;border-bottom:0;box-shadow:var(--shadow-blue)}

/* ---------- 공통 헤딩 ---------- */
.eyebrow{display:inline-flex;align-items:center;gap:9px;font-weight:800;font-size:12px;letter-spacing:2.5px;color:var(--blue-dd);text-transform:uppercase}
.eyebrow::before{content:"";width:22px;height:3px;border-radius:2px;background:var(--lilac)}
.title{font-size:clamp(25px,3.4vw,36px);font-weight:800;letter-spacing:-1.2px;line-height:1.26;color:var(--ink);margin-top:14px}
.title .bl{color:var(--blue-dd)}.title .li{color:var(--lilac-dd)}.title .mi{color:var(--mint-dd)}
.desc{margin-top:13px;color:var(--soft);font-size:15.5px;max-width:680px}
.desc b{color:var(--ink)}
.block{padding:56px 0}
.center{text-align:center}.center .desc{margin-left:auto;margin-right:auto}.center .eyebrow{justify-content:center}
.tspot{vertical-align:-5px;margin:0 2px}

/* ---------- 히어로 (좌 카피 / 우 일러스트) ---------- */
.hero{position:relative;overflow:clip;background:radial-gradient(680px 380px at 6% -30px,rgba(58,143,219,.14),transparent 56%),radial-gradient(560px 320px at 100% 0,rgba(128,121,224,.13),transparent 60%),linear-gradient(180deg,#fbfdff,var(--bg));padding:44px 0 48px}
.herowrap{position:relative;z-index:1;display:grid;grid-template-columns:1.02fr .98fr;gap:42px;align-items:center}
.hero-l .badge{display:inline-flex;align-items:center;gap:8px;background:var(--lilac-soft);color:var(--lilac-dd);border-radius:999px;padding:7px 16px;font-weight:800;font-size:12.5px;margin-bottom:16px}
.hero-l h2{font-size:clamp(28px,4vw,45px);font-weight:800;line-height:1.16;letter-spacing:-1.4px;color:var(--ink);margin-bottom:16px}
.hero-l h2 .bl{color:var(--blue-dd)}.hero-l h2 .li{color:var(--lilac-dd)}
.hero-l h2 em{font-style:normal;position:relative;white-space:nowrap}
.hero-l h2 em::after{content:"";position:absolute;left:-2px;right:-2px;bottom:2px;height:12px;background:var(--mint-soft2);z-index:-1;border-radius:6px}
.hero-l .hlead{font-size:16px;color:var(--soft);line-height:1.7;max-width:440px;margin-bottom:20px}
.hero-l .hlead b{color:var(--ink)}
.herochecks{display:flex;flex-wrap:wrap;gap:9px}
.herochecks span{display:inline-flex;align-items:center;gap:7px;background:var(--paper);border:1px solid var(--line2);border-radius:999px;padding:8px 15px;font-size:13.5px;font-weight:700;color:var(--ink);box-shadow:var(--shadow)}
.herochecks span i{color:var(--mint-d);font-style:normal;font-weight:900}
.hero-illo{position:relative;text-align:center}
.hero-illo svg{width:100%;max-width:430px;height:auto;filter:drop-shadow(0 18px 30px rgba(34,60,110,.16))}

/* ---------- 2단 레이아웃 (좌 콘텐츠 / 우 sticky 폼) ---------- */
.layout{display:grid;grid-template-columns:1fr 372px;gap:36px;padding:50px 0 8px}
.main-col{min-width:0}
.side-col{min-width:0;align-self:stretch}

/* sticky 폼 */
.qaside{position:sticky;top:90px;background:var(--paper);border:1px solid var(--line2);border-radius:var(--r-lg);box-shadow:var(--shadow-lg);padding:24px 24px 20px;scroll-margin-top:90px;overflow:hidden}
.qaside::before{content:"";position:absolute;left:0;top:0;width:100%;height:6px;background:linear-gradient(90deg,var(--blue),var(--lilac))}
.qaside .qhd{margin-bottom:16px}
.qaside .qhd h3{font-size:19px;font-weight:800;letter-spacing:-.3px;color:var(--ink);display:flex;align-items:center;gap:10px}
.qaside .qhd h3 span{color:var(--blue-dd)}
.qaside .qhd .qpill{display:inline-block;margin-top:8px;font-size:12px;font-weight:700;color:var(--lilac-dd);background:var(--lilac-soft);padding:5px 13px;border-radius:999px}
.field{margin-bottom:13px}
.field label{display:block;font-size:12.5px;font-weight:700;margin-bottom:6px;color:var(--ink)}
.txt{width:100%;border:1.5px solid var(--line2);background:#fafdff;border-radius:13px;padding:12px 14px;font-size:15px;font-family:inherit;color:var(--ink);appearance:none;-webkit-appearance:none;transition:border .15s,box-shadow .15s,background .15s}
.txt:focus{outline:none;border-color:var(--blue);background:#fff;box-shadow:0 0 0 3px rgba(58,143,219,.16)}
.txt::placeholder{color:#9fb0c4}
select.txt{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2322304a' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;padding-right:30px}
.phone-row{display:grid;grid-template-columns:80px 1fr;gap:9px}
.seg{display:grid;grid-template-columns:1fr 1fr;gap:9px}
.seg button{border:1.5px solid var(--line2);background:#fafdff;border-radius:13px;padding:11px 0;font-size:14.5px;font-weight:700;cursor:pointer;color:var(--soft);transition:all .15s}
.seg button:hover{border-color:var(--blue);color:var(--blue-dd)}
.seg button.on{background:var(--blue);border-color:var(--blue);color:#fff}
.submit{width:100%;background:var(--lilac);color:#fff;border:0;border-radius:14px;padding:15px;font-size:16px;font-weight:800;letter-spacing:-.3px;cursor:pointer;box-shadow:var(--shadow-lilac);transition:transform .12s,box-shadow .15s;margin-top:4px}
.submit:hover{transform:translateY(-2px);box-shadow:0 16px 30px rgba(90,81,196,.42);background:var(--lilac-d)}
.submit:active{transform:translateY(1px)}
.qaside-foot{margin-top:13px}
.privacy_wrap{display:flex;align-items:center;gap:7px;font-size:12.5px}
.privacy_wrap input[type=checkbox]{width:16px;height:16px;accent-color:var(--lilac)}
.privacy_label{font-weight:600;color:var(--ink)}
.privacy_view{font-weight:700;color:var(--blue-dd);text-decoration:underline;text-underline-offset:3px}
.privacy_view:hover{color:var(--lilac-dd)}
.err{display:none;background:var(--blue-soft);border:1.5px solid var(--blue-soft2);border-radius:13px;color:var(--blue-dd);font-size:13.5px;font-weight:700;padding:10px 14px;margin:0 0 13px;text-align:center}

/* ---------- 6 메뉴 카드 (좌 콘텐츠 최상단) ---------- */
.menusec{margin-bottom:46px}
.mgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:26px}
.mtile{background:var(--paper);border:1px solid var(--line2);border-radius:var(--r-lg);box-shadow:var(--shadow);display:block;overflow:hidden;transition:transform .2s,box-shadow .2s;position:relative}
.mtile:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.mtile .mthumb{display:block;aspect-ratio:16/10;overflow:hidden;background:var(--blue-soft);position:relative}
.mtile .mthumb img{width:100%;height:100%;object-fit:cover;transition:transform .35s}
.mtile:hover .mthumb img{transform:scale(1.05)}
.mtile .mno{position:absolute;left:13px;top:13px;z-index:2;background:#fff;color:var(--blue-dd);font-size:12.5px;font-weight:800;letter-spacing:.5px;padding:5px 12px;border-radius:999px;box-shadow:var(--shadow)}
.mtile:nth-child(3n-1) .mno{color:var(--lilac-dd)}.mtile:nth-child(3n) .mno{color:var(--mint-dd)}
.mtile .mcap{padding:15px 18px 17px;text-align:center}
.mtile .mcap b{display:block;font-size:16px;font-weight:800;color:var(--ink);letter-spacing:-.3px;margin-bottom:3px}
.mtile .mcap .ct{font-size:12.6px;color:var(--soft);display:flex;align-items:center;justify-content:center;gap:6px}
.mtile .mcap .go{color:var(--blue-dd);font-weight:800;transition:transform .2s}
.mtile:hover .mcap .go{transform:translateX(4px)}

/* ---------- 마퀴 ---------- */
.insurers{padding:34px 0 6px}
.insurers .cap{text-align:center;font-size:11.5px;font-weight:800;color:var(--soft);letter-spacing:3px;margin-bottom:15px}
.marquee{overflow:hidden;width:100%;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.track{display:flex;gap:10px;list-style:none;width:max-content;animation:marquee 30s linear infinite;padding:4px 0}
.marquee:hover .track{animation-play-state:paused}
.track li{background:var(--paper);border:1px solid var(--line);border-radius:999px;padding:9px 22px;font-weight:700;font-size:14px;color:var(--blue-dd);white-space:nowrap}
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1!important;transform:none!important;transition:none!important}}

/* ---------- 인트로 3포인트 ---------- */
.intro3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:30px}
.icard{background:var(--paper);border:1px solid var(--line2);border-radius:var(--r-lg);padding:24px 20px;box-shadow:var(--shadow);text-align:center;position:relative;transition:transform .2s,box-shadow .2s}
.icard:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.icard .ico{width:56px;height:56px;border-radius:50%;display:grid;place-items:center;font-size:26px;margin:0 auto 13px;background:var(--blue-soft)}
.icard:nth-child(2) .ico{background:var(--lilac-soft)}
.icard:nth-child(3) .ico{background:var(--mint-soft)}
.icard h3{font-size:16.5px;font-weight:800;letter-spacing:-.4px;color:var(--ink);margin-bottom:6px}
.icard p{font-size:13.5px;color:var(--soft);line-height:1.6}
.icard p b{color:var(--ink)}

/* ---------- 보장 항목 (리스트형) ---------- */
.covlist{margin-top:30px;display:grid;gap:13px}
.covrow{display:grid;grid-template-columns:auto 1fr;gap:16px;align-items:flex-start;background:var(--paper);border:1px solid var(--line2);border-radius:var(--r-lg);padding:20px 22px;box-shadow:var(--shadow);transition:transform .2s,box-shadow .2s;border-left:5px solid var(--blue)}
.covrow:nth-child(2){border-left-color:var(--lilac)}
.covrow:nth-child(3){border-left-color:var(--mint)}
.covrow:nth-child(4){border-left-color:var(--amber)}
.covrow:hover{transform:translateX(5px);box-shadow:var(--shadow-lg)}
.covrow .cvico{flex:none;width:46px;height:46px;border-radius:14px;background:var(--blue-soft);color:var(--blue-dd);display:grid;place-items:center;font-size:22px}
.covrow:nth-child(2) .cvico{background:var(--lilac-soft);color:var(--lilac-dd)}
.covrow:nth-child(3) .cvico{background:var(--mint-soft);color:var(--mint-dd)}
.covrow:nth-child(4) .cvico{background:var(--amber-soft);color:var(--amber-d)}
.covrow h3{font-size:16.5px;font-weight:800;letter-spacing:-.3px;color:var(--ink);margin-bottom:4px}
.covrow p{font-size:13.8px;color:var(--soft);line-height:1.6}
.covrow p b{color:var(--ink)}

/* ---------- 종류·비교 (시그니처) ---------- */
.cmp{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:30px}
.cmpc{position:relative;background:var(--paper);border:1px solid var(--line2);border-radius:var(--r-lg);padding:26px 22px 22px;box-shadow:var(--shadow);transition:transform .2s,box-shadow .2s;overflow:hidden}
.cmpc:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.cmpc::before{content:"";position:absolute;top:0;left:0;width:100%;height:6px;background:var(--blue)}
.cmpc:nth-child(2)::before{background:var(--lilac)}
.cmpc .cbadge{display:inline-flex;align-items:center;gap:6px;font-size:11.5px;font-weight:800;background:var(--blue-soft);color:var(--blue-dd);border-radius:999px;padding:5px 13px;margin-bottom:13px}
.cmpc:nth-child(2) .cbadge{background:var(--lilac-soft);color:var(--lilac-dd)}
.cmpc h3{font-size:18px;font-weight:800;letter-spacing:-.4px;color:var(--ink);margin-bottom:6px}
.cmpc .lead2{font-size:12.5px;font-weight:700;color:var(--blue-dd);margin-bottom:12px}
.cmpc:nth-child(2) .lead2{color:var(--lilac-dd)}
.cmpc ul{list-style:none;display:grid;gap:8px}
.cmpc li{position:relative;padding-left:23px;font-size:13.6px;color:var(--soft);line-height:1.55}
.cmpc li::before{content:"✓";position:absolute;left:0;top:0;color:var(--mint-d);font-weight:800}
.cmpc li b{color:var(--ink)}

/* ---------- 가입 전 체크 (2x2) ---------- */
.checks{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:30px}
.chk{display:grid;grid-template-columns:auto 1fr;gap:14px;align-items:flex-start;background:var(--paper);border:1px solid var(--line2);border-radius:var(--r-lg);padding:20px 22px;box-shadow:var(--shadow)}
.chk .cnn{flex:none;width:42px;height:42px;border-radius:50%;background:var(--blue-soft);color:var(--blue-dd);display:grid;place-items:center;font-size:20px}
.chk:nth-child(2) .cnn{background:var(--lilac-soft);color:var(--lilac-dd)}
.chk:nth-child(3) .cnn{background:var(--mint-soft);color:var(--mint-dd)}
.chk:nth-child(4) .cnn{background:var(--amber-soft);color:var(--amber-d)}
.chk h3{font-size:15.5px;font-weight:800;letter-spacing:-.3px;color:var(--ink);margin-bottom:4px}
.chk p{font-size:13.3px;color:var(--soft);line-height:1.6}
.chk p b{color:var(--ink)}

/* ---------- 콜아웃 ---------- */
.callout{background:var(--blue-soft);border:1px solid var(--blue-soft2);border-radius:var(--r);padding:18px 22px;display:flex;gap:14px;align-items:flex-start;box-shadow:var(--shadow);margin-top:20px}
.callout.li{background:var(--lilac-soft);border-color:var(--lilac-soft2)}
.callout.mi{background:var(--mint-soft);border-color:var(--mint-soft2)}
.callout.am{background:var(--amber-soft);border-color:#f7e0b4}
.callout .ci{flex:none;width:40px;height:40px;border-radius:50%;background:var(--paper);color:var(--blue-dd);display:grid;place-items:center;font-size:19px}
.callout.li .ci{color:var(--lilac-dd)}.callout.mi .ci{color:var(--mint-dd)}.callout.am .ci{color:var(--amber-d)}
.callout h3{font-size:15.5px;font-weight:800;margin-bottom:4px;color:var(--ink)}
.callout p{font-size:13.6px;color:var(--soft)}
.callout p a{color:var(--blue-dd);text-decoration:underline;text-underline-offset:3px;font-weight:700}

/* ---------- 숫자 밴드 ---------- */
.statband{background:linear-gradient(120deg,var(--blue-d),var(--blue) 48%,var(--lilac));border-radius:var(--r-lg);padding:38px 30px;box-shadow:var(--shadow-lg);position:relative;overflow:clip}
.statband::before{content:"";position:absolute;right:-40px;bottom:-50px;width:200px;height:200px;border-radius:50%;background:rgba(255,255,255,.16)}
.statband::after{content:"";position:absolute;left:36%;top:-50px;width:120px;height:120px;border-radius:50%;background:rgba(43,194,164,.4)}
.sgrid{position:relative;z-index:1;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.scell{text-align:center;color:#fff}
.scell .pi{font-size:25px;margin-bottom:8px;display:block}
.scell b{display:block;font-size:18px;font-weight:800;color:#fff;letter-spacing:-.3px;margin-bottom:3px;text-shadow:0 1px 4px rgba(0,0,0,.14)}
.scell span{font-size:12.5px;color:#fff;line-height:1.5;text-shadow:0 1px 3px rgba(0,0,0,.14)}

/* ---------- 표 ---------- */
.gentable{margin:0;border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow);background:var(--paper);border:1px solid var(--line2)}
.gentable table{width:100%;border-collapse:collapse;font-size:14.3px}
.gentable th{background:var(--ink);color:#fff;font-weight:700;padding:13px 16px;text-align:left;word-break:keep-all}
.gentable th.hl{background:var(--blue-d)}
.gentable th b{color:var(--blue-soft2)}
.gentable td{padding:12px 16px;border-top:1px solid var(--line);color:var(--soft);vertical-align:top;line-height:1.6;word-break:keep-all}
.gentable td b{color:var(--ink)}
.gentable tr:nth-child(even) td{background:#fafdff}
.gentable td.pick{background:var(--lilac-soft);color:var(--ink);font-weight:600}

/* ---------- FAQ ---------- */
.faq{margin-top:26px;max-width:none}
.faqcenter{margin-left:auto;margin-right:auto;max-width:940px}
.qa{background:var(--paper);border:1px solid var(--line2);border-radius:var(--r);margin-bottom:11px;box-shadow:var(--shadow);overflow:hidden;transition:box-shadow .2s,border .2s}
.qa.open{border-color:var(--blue);box-shadow:var(--shadow-lg)}
.qa .q{width:100%;display:flex;align-items:center;justify-content:space-between;gap:14px;background:none;border:0;text-align:left;padding:17px 20px;font-size:15px;font-weight:700;cursor:pointer;color:var(--ink)}
.qa .q:hover{background:var(--bg)}
.qa .qmark{color:var(--lilac-dd);font-weight:800;margin-right:9px}
.qa .ar{width:27px;height:27px;border-radius:50%;background:var(--blue-soft);color:var(--blue-dd);display:grid;place-items:center;font-size:16px;font-weight:800;flex:none;transition:transform .25s,background .2s,color .2s}
.qa.open .ar{transform:rotate(45deg);background:var(--blue);color:#fff}
.qa .a{max-height:0;overflow:hidden;transition:max-height .35s ease;color:var(--soft);font-size:14.4px}
.qa .a > div{padding:0 20px 18px;border-top:1px solid var(--line);padding-top:13px}
.faqmore{display:inline-block;margin-top:15px;font-weight:700;font-size:14.5px;color:var(--blue-dd);text-decoration:underline;text-underline-offset:3px}
.faqmore:hover{color:var(--lilac-dd)}

/* ---------- CTA ---------- */
.ctaband{position:relative;background:linear-gradient(120deg,var(--lilac-d),var(--blue-d));color:#fff;padding:50px 44px;border-radius:var(--r-lg);overflow:clip;box-shadow:var(--shadow-lg);display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap}
.ctaband::before{content:"";position:absolute;right:-40px;top:-50px;width:210px;height:210px;border-radius:50%;background:rgba(255,255,255,.16)}
.ctaband::after{content:"";position:absolute;left:-30px;bottom:-50px;width:150px;height:150px;border-radius:50%;background:rgba(255,255,255,.12)}
.ctaband .ctxt{position:relative;z-index:1}
.ctaband .ctxt h2{font-size:clamp(22px,3.2vw,32px);font-weight:800;line-height:1.2;letter-spacing:-.8px;color:#fff}
.ctaband .ctxt h2 b{color:#fff;text-decoration:underline;text-decoration-color:rgba(255,255,255,.5);text-underline-offset:5px}
.ctaband .ctxt p{margin-top:10px;color:rgba(255,255,255,.96);font-size:15px}
.ctaband a{position:relative;z-index:1;flex:none;background:#fff;color:var(--lilac-dd);border-radius:999px;padding:16px 40px;font-weight:800;font-size:16.5px;transition:transform .15s,box-shadow .15s}
.ctaband a:hover{transform:translateY(-2px);box-shadow:0 14px 30px rgba(0,0,0,.16);background:var(--ink);color:#fff}

/* ---------- 서브 히어로 ---------- */
.subhero{position:relative;overflow:clip;padding:52px 0 50px;background:radial-gradient(620px 300px at 88% -20px,rgba(128,121,224,.42),transparent 56%),linear-gradient(125deg,var(--blue) 0%,var(--blue-d) 62%,var(--blue-dd) 130%);color:#fff}
.subhero .sgrid2{position:relative;z-index:1;max-width:850px}
.subhero .crumb{font-size:13px;color:rgba(255,255,255,.92);margin-bottom:16px;font-weight:500}
.subhero .crumb a{color:#fff;text-decoration:underline;text-underline-offset:3px;font-weight:600}
.subhero .crumb span{margin:0 7px;color:rgba(255,255,255,.6)}
.subhero .dept{display:inline-block;font-weight:800;font-size:12px;letter-spacing:2.5px;color:var(--blue-dd);margin-bottom:14px;background:#fff;padding:7px 16px;border-radius:999px}
.subhero h2{font-size:clamp(28px,4.5vw,46px);font-weight:800;line-height:1.14;letter-spacing:-1.4px;color:#fff}
.subhero h2 .cc{color:#eae7fd}
.subhero p{margin:15px 0 0;color:rgba(255,255,255,.94);font-size:15px;max-width:640px}
.subhero .smasc{position:absolute;right:5%;bottom:-4px;z-index:1;width:152px;height:auto;filter:drop-shadow(0 14px 22px rgba(0,0,0,.16))}

/* ---------- 본문 아티클 ---------- */
.article{padding:54px 22px 72px}
.article .inner{max-width:940px;margin:0 auto}
.article .sec{margin-bottom:50px}
.article h3.h{font-size:23px;font-weight:800;letter-spacing:-.6px;color:var(--ink);display:flex;align-items:center;gap:13px;margin-bottom:15px}
.article h3.h .hn{font-size:13px;font-weight:800;letter-spacing:1px;color:var(--blue-dd);background:var(--blue-soft);border-radius:999px;padding:4px 12px;flex:none}
.article p.t{color:var(--soft);font-size:15.6px;margin-bottom:12px;line-height:1.8}
.article p.t b{color:var(--ink)}
.article p.t a{color:var(--blue-dd);text-decoration:underline;text-underline-offset:3px;font-weight:700}
.article p.t a:hover{color:var(--lilac-dd)}
.article .gentable,.article .callout,.article .cmp{margin-top:22px}
.steps{counter-reset:st;display:grid;gap:0;margin-top:22px;border:1px solid var(--line2);border-radius:var(--r-lg);overflow:hidden;background:var(--paper);box-shadow:var(--shadow)}
.step2{padding:22px 24px 22px 78px;position:relative;counter-increment:st;border-top:1px solid var(--line)}
.step2:first-child{border-top:0}
.step2::before{content:counter(st);position:absolute;left:22px;top:20px;width:38px;height:38px;border-radius:50%;background:var(--blue-soft);color:var(--blue-dd);display:grid;place-items:center;font-size:17px;font-weight:800}
.step2 h3{font-size:17px;font-weight:800;letter-spacing:-.4px;margin-bottom:4px;color:var(--ink)}
.step2 p{font-size:14.2px;color:var(--soft)}
.step2 p b{color:var(--ink)}
.checklist{list-style:none;display:grid;gap:10px;margin-top:18px}
.checklist li{background:var(--paper);border:1px solid var(--line2);border-radius:14px;padding:13px 17px 13px 46px;position:relative;font-size:14.4px;color:var(--soft);box-shadow:var(--shadow)}
.checklist li::before{content:"✓";position:absolute;left:16px;top:12px;color:var(--mint-d);font-weight:800}
.checklist li b{color:var(--ink)}
.pts{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:24px}
.pt{background:var(--paper);border:1px solid var(--line2);border-radius:var(--r);box-shadow:var(--shadow);padding:24px;position:relative;overflow:hidden}
.pt::before{content:"";position:absolute;top:0;left:0;width:100%;height:5px;background:var(--blue)}
.pt:nth-child(2)::before{background:var(--lilac)}.pt:nth-child(3)::before{background:var(--mint)}.pt:nth-child(4)::before{background:var(--amber)}
.pt .pn{font-size:12.5px;font-weight:800;letter-spacing:1px;color:var(--blue-dd);margin-bottom:10px}
.pt h4{font-size:17.5px;font-weight:800;color:var(--ink);margin-bottom:7px;letter-spacing:-.3px}
.pt p{font-size:13.9px;color:var(--soft);line-height:1.62}
.dx{display:grid;gap:14px;margin-top:24px}
.dxc{border:1px solid var(--line2);border-left-width:5px;border-left-color:var(--blue);border-radius:14px;background:var(--paper);box-shadow:var(--shadow);padding:20px 24px}
.dxc:nth-child(2){border-left-color:var(--lilac)}.dxc:nth-child(3){border-left-color:var(--mint)}.dxc:nth-child(4){border-left-color:var(--amber)}
.dxc h3{font-size:18.5px;font-weight:800;letter-spacing:-.5px;margin-bottom:6px;color:var(--blue-dd)}
.dxc:nth-child(2) h3{color:var(--lilac-dd)}.dxc:nth-child(3) h3{color:var(--mint-dd)}.dxc:nth-child(4) h3{color:var(--amber-d)}
.dxc p{font-size:14.3px;color:var(--soft)}
.dxc p b{color:var(--ink)}

/* ---------- 푸터 ---------- */
footer{background:#1c2738;color:#fff;padding:0 0 36px;margin-top:0}
footer::before{content:"";display:block;height:5px;margin-bottom:44px;background:linear-gradient(90deg,var(--blue),var(--lilac),var(--mint))}
.fnotes{background:rgba(255,255,255,.06);border-radius:14px;padding:20px 24px;font-size:12.6px;line-height:1.85;color:rgba(255,255,255,.74)}
.fnotes .strong{font-weight:800;color:var(--blue-soft2);margin-bottom:6px}
.fnotes b{color:rgba(255,255,255,.92)}
.fbot{display:flex;align-items:flex-end;justify-content:space-between;gap:20px;margin-top:26px;flex-wrap:wrap}
.fbrand{display:flex;align-items:center;gap:9px;font-weight:800;font-size:19px;letter-spacing:-.5px;color:#fff}
.fbrand .mark{width:27px;height:27px}.fbrand .mark svg{width:27px;height:27px}
.fcorp{margin-top:8px;font-size:12.4px;color:rgba(255,255,255,.52)}
.flinks{display:flex;gap:18px}
.flinks a{font-size:13.4px;font-weight:700;color:var(--blue-soft2);text-decoration:underline;text-underline-offset:3px}
.flinks a:hover{color:#fff}

/* ---------- 모달 ---------- */
.modal{display:none;position:fixed;inset:0;z-index:120;background:rgba(34,48,74,.55);padding:20px}
.modal.open{display:flex;align-items:center;justify-content:center}
.mbox{background:var(--paper);width:100%;max-width:480px;border-radius:var(--r-lg);box-shadow:0 30px 70px rgba(0,0,0,.4);animation:rise .25s ease;overflow:hidden}
#termsModal .mbox{max-width:760px}
@keyframes rise{from{transform:translateY(18px);opacity:0}to{transform:none;opacity:1}}
.mtop{display:flex;align-items:center;justify-content:space-between;padding:14px 24px;background:var(--blue-d)}
.mtop h3{font-size:18px;font-weight:800;color:#fff}
.mclose{background:rgba(255,255,255,.22);border:0;width:32px;height:32px;border-radius:50%;font-size:18px;font-weight:900;cursor:pointer;line-height:1;color:#fff}
.mclose:hover{background:#fff;color:var(--blue-dd)}
.mbody{padding:22px 24px;max-height:60vh;overflow-y:auto}
.mbody.nopad{padding:0;max-height:none;overflow:hidden}
.terms-frame{width:100%;height:65vh;border:0;display:block;background:#fff}
.mfoot{display:flex;gap:10px;justify-content:flex-end;padding:14px 22px;border-top:1px solid var(--line);background:var(--bg)}
.mbtn{background:var(--blue-d);color:#fff;border:0;border-radius:14px;padding:12px 24px;font-weight:800;font-size:14.5px;cursor:pointer;transition:background .15s;box-shadow:var(--shadow-blue)}
.mbtn:hover{background:var(--blue-dd)}
.mbtn.ghost{background:var(--paper);color:var(--ink);border:1.5px solid var(--line2);box-shadow:none}
.mbtn.ghost:hover{background:var(--ink);color:#fff;border-color:var(--ink)}
.mbtn.full{width:100%}
.smsinfo{font-size:15px;text-align:center;margin-bottom:16px;color:var(--soft)}
.smsinfo b{color:var(--blue-dd)}
.resend{display:block;margin:13px auto 0;background:none;border:0;font-size:13.5px;font-weight:600;color:var(--soft);text-decoration:underline;text-underline-offset:3px;cursor:pointer}
.resend:hover{color:var(--blue-dd)}
.field.mfield{margin-top:18px}
.demohint{display:none}

.reveal{opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}

/* ---------- 반응형 ---------- */
@media (max-width:980px){
  nav{display:none}
  header .hbtn{display:none}
  .burger{display:flex}
  .hero{padding:26px 0 34px}
  .herowrap{grid-template-columns:1fr;gap:22px}
  .hero-illo{display:none}
  .layout{grid-template-columns:1fr;gap:30px;padding-top:32px}
  .side-col{order:-1}
  .qaside{position:static;top:auto}
  .mgrid{grid-template-columns:1fr 1fr}
  .intro3{grid-template-columns:1fr}
  .cmp{grid-template-columns:1fr}
  .checks{grid-template-columns:1fr}
  .sgrid{grid-template-columns:1fr 1fr;gap:24px 18px}
  .subhero .smasc{display:none}
  .ctaband{flex-direction:column;align-items:flex-start;text-align:left}
}
@media (max-width:600px){
  .mgrid{grid-template-columns:1fr}
  .sgrid{grid-template-columns:1fr 1fr}
  .pts{grid-template-columns:1fr}
  .gentable table,.gentable tbody,.gentable tr,.gentable td{display:block;width:100%}
  .gentable thead{display:none}
  .gentable tr{border-top:2px solid var(--line2);padding:4px 0}
  .gentable tr:first-child{border-top:0}
  .gentable td{border-top:0;padding:8px 16px}
  .gentable td:first-child{padding-top:14px}
  .gentable td b{display:inline-block;margin-bottom:2px;color:var(--blue-dd)}
  .gentable.gen{overflow-x:auto}
  .gentable.gen table,.gentable.gen tbody,.gentable.gen tr,.gentable.gen thead,.gentable.gen th,.gentable.gen td{display:revert}
  .gentable.gen table{display:table;min-width:580px}
  .gentable.gen td{font-size:13px;padding:10px 12px}
  .gentable.gen td b{display:inline;margin:0;color:var(--ink)}
}