:root {
  --primary: #0f766e;
  --primary-soft: #e0f2f1;
  --accent: #0ea5e9;
  --bg: #ffffff;
  --section-bg: #f9fafb;
  --text-main: #0f172a;
  --text-sub: #374151;
  --border-soft: #e5e7eb;
  --radius-lg: 18px;
  --shadow-soft: 0 10px 24px rgba(15, 23, 42, 0.08);
}

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

body {
  font-family: -apple-system, BlinkMacSystemFont, "Pretendard", system-ui, sans-serif;
  background: var(--bg);
  color: var(--text-main);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  padding-top: 76px; /* 헤더 fixed 보정 */
}

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

.container {
  width: 100%;
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 16px;
}

/* ================= 헤더(메뉴) ================= */
header.main-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 9999;
  background: #ffffff;
  border-bottom: 1px solid var(--border-soft);
  box-shadow: 0 6px 16px rgba(15, 23, 42, 0.06);
}

.header-inner {
  height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 20px;
  letter-spacing: -0.03em;
  white-space: nowrap;
}

.logo-mark {
  width: 32px;
  height: 32px;
  border-radius: 999px;
  background: linear-gradient(135deg, #0f766e, #0ea5e9);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  box-shadow: 0 8px 16px rgba(15, 118, 110, 0.5);
}

nav.main-nav {
  display: flex;
  align-items: center;
  gap: 16px;
  font-size: 14px;
  flex-wrap: wrap;
  justify-content: flex-end;
}

nav.main-nav a {
  position: relative;
  padding: 4px 0;
  color: #4b5563;
  white-space: nowrap;
}

nav.main-nav a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -3px;
  width: 0;
  height: 2px;
  background: var(--primary);
  transition: width 0.18s ease-out;
}

nav.main-nav a:hover {
  color: var(--primary);
}

nav.main-nav a:hover::after {
  width: 100%;
}

.btn-header {
  padding: 8px 16px;
  border-radius: 999px;
  border: none;
  background: var(--primary);
  color: #fff;
  font-size: 13px;
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 6px;
  cursor: pointer;
  white-space: nowrap;
  box-shadow: 0 10px 20px rgba(15, 118, 110, 0.35);
}

/* ================= 공통 섹션 스타일 ================= */
section {
  padding: 64px 0;
  scroll-margin-top: 96px;
}

.section-header {
  margin-bottom: 28px;
}

.section-kicker {
  font-size: 13px;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 6px;
  text-transform: uppercase;
}

.section-title {
  font-size: 24px;
  font-weight: 800;
  letter-spacing: -0.03em;
  margin-bottom: 8px;
}

.section-sub {
  font-size: 14px;
  color: var(--text-sub);
}

/* ================= 히어로 + 폼 ================= */
.hero {
  background: #f1f5f9;
  border-bottom: 1px solid var(--border-soft);
  padding: 52px 0 64px;
}

.hero-inner {
  display: grid;
  grid-template-columns: minmax(0, 1.3fr) minmax(0, 1fr);
  gap: 40px;
  align-items: center;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 12px;
  border-radius: 999px;
  background: #dcfce7;
  color: #166534;
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 14px;
}

.hero-badge span {
  width: 22px;
  height: 22px;
  border-radius: 999px;
  background: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
}

.hero-title {
  font-size: 36px;
  font-weight: 900;
  letter-spacing: -0.04em;
  line-height: 1.25;
  margin-bottom: 12px;
}

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

.hero-sub {
  font-size: 16px;
  color: var(--text-sub);
  margin-bottom: 20px;
  font-weight: 500;
}

.hero-metrics {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 16px;
}

.metric {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 9px 13px;
  border-radius: 999px;
  border: 1px solid #cbd5e1;
  background: #fff;
  font-size: 13px;
  font-weight: 500;
}

.metric strong {
  font-size: 16px;
  font-weight: 800;
  margin-right: 2px;
}

.metric-icon {
  width: 26px;
  height: 26px;
  border-radius: 999px;
  background: #e0f2fe;
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero-list {
  font-size: 14px;
  color: var(--text-sub);
  margin-bottom: 18px;

  list-style: none;     /* ✅ 검은 점 제거 */
  padding-left: 0;      /* ✅ 기본 들여쓰기 제거 */
}


.hero-list li {
  margin-bottom: 4px;
}

.hero-list li::before {
  content: "• ";
  color: var(--primary);
  font-weight: 800;
}

.hero-cta {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  align-items: center;
  margin-bottom: 6px;
}

.btn-primary {
  padding: 11px 22px;
  border-radius: 999px;
  border: none;
  background: linear-gradient(135deg, #0f766e, #0e9f6e);
  color: #fff;
  font-size: 14px;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  cursor: pointer;
  box-shadow: 0 16px 30px rgba(15, 118, 110, 0.45);
}

.btn-primary:hover {
  opacity: 0.97;
  transform: translateY(-1px);
}

.btn-ghost {
  padding: 9px 18px;
  border-radius: 999px;
  border: 1px solid #cbd5e1;
  background: #fff;
  font-size: 13px;
  color: #374151;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  cursor: pointer;
}

.hero-note {
  font-size: 12px;
  color: #6b7280;
  margin-top: 4px;
}

/* ===== 폼 카드 ===== */
.hero-form-card {
  background: #fff;
  border-radius: 20px;
  box-shadow: var(--shadow-soft);
  border: 1px solid #cbd5e1;
  padding: 20px 20px 18px;
}

.hero-form-header {
  display: flex;
  justify-content: space-between;
  gap: 10px;
  margin-bottom: 14px;
}

.hero-form-title {
  font-size: 18px;
  font-weight: 800;
}

.hero-form-sub {
  font-size: 13px;
  color: #4b5563;
  margin-top: 4px;
}

.badge-small {
  padding: 4px 8px;
  border-radius: 999px;
  background: var(--primary-soft);
  color: var(--primary);
  font-size: 11px;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  height: fit-content;
}

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

.form-row-2 {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}

.form-field {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.form-label {
  font-size: 13px;
  font-weight: 600;
  color: #111827;
}

.form-input,
.form-textarea,
.form-select {
  border-radius: 10px;
  border: 1px solid #cbd5e1;
  background: #f9fafb;
  padding: 8px 10px;
  font-size: 14px;
  outline: none;
}

.form-input:focus,
.form-textarea:focus,
.form-select:focus {
  background: #fff;
  border-color: var(--primary);
  box-shadow: 0 0 0 1px rgba(45, 212, 191, 0.4);
}

.form-textarea {
  min-height: 78px;
  resize: vertical;
}

.gender-toggle {
  display: inline-flex;
  padding: 2px;
  border-radius: 999px;
  background: #e5e7eb;
}

.gender-option {
  flex: 1;
  font-size: 13px;
  padding: 6px 0;
  border-radius: 999px;
  text-align: center;
  cursor: pointer;
  color: #4b5563;
}

.gender-option.active {
  background: #fff;
  color: var(--primary);
  box-shadow: 0 0 0 1px rgba(45, 212, 191, 0.8);
  font-weight: 700;
}

.privacy-box {
  margin-top: 6px;
  padding: 8px 10px;
  border-radius: 12px;
  background: #f9fafb;
  border: 1px solid #e5e7eb;
  font-size: 12px;
  color: #4b5563;
}

.privacy-row {
  display: flex;
  gap: 8px;
  align-items: flex-start;
}

.privacy-row input {
  margin-top: 3px;
}

.policy-link {
  color: var(--primary);
  text-decoration: underline;
  text-underline-offset: 2px;
  cursor: pointer;
  font-weight: 500;
}

.form-footer {
  margin-top: 10px;
  display: flex;
  justify-content: space-between;
  gap: 10px;
  align-items: center;
}

.form-helper {
  font-size: 11px;
  color: #6b7280;
}

.btn-submit {
  padding: 9px 20px;
  border-radius: 999px;
  border: none;
  background: var(--primary);
  color: #fff;
  font-size: 13px;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  cursor: pointer;
  white-space: nowrap;
  box-shadow: 0 10px 22px rgba(15, 118, 110, 0.4);
}

.btn-submit:disabled {
  background: #9ca3af;
  box-shadow: none;
  cursor: not-allowed;
}

/* ================= 보장/비보장 ================= */
.two-col {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 22px;
  margin-top: 28px;
}

.card-soft {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 18px 20px;
  border: 1px solid var(--border-soft);
  box-shadow: 0 6px 18px rgba(15, 23, 42, 0.04);
}

.card-soft h3 {
  font-size: 16px;
  font-weight: 700;
  margin-bottom: 8px;
}

.badge-chip {
  display: inline-flex;
  align-items: center;
  padding: 4px 9px;
  border-radius: 999px;
  background: #fffbeb;
  color: #92400e;
  font-size: 12px;
  font-weight: 600;
  margin-bottom: 6px;
}

.bullet {
  font-size: 14px;
  color: #111827;
  line-height: 1.7;
}

.bullet li {
  margin-bottom: 6px;
  padding-left: 14px;
  position: relative;
}

.bullet li{
  padding-left: 0;
}

.bullet li::before{
  content: none;
}

/* ================= 체크리스트 ================= */
.checklist {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  margin-top: 26px;
}

.check-item {
  background: #fff;
  border-radius: 14px;
  padding: 14px;
  border: 1px solid var(--border-soft);
  box-shadow: 0 4px 12px rgba(15, 23, 42, 0.03);
}

.check-label {
  font-size: 12px;
  color: #6b7280;
  margin-bottom: 4px;
}

.check-title {
  font-size: 16px;
  font-weight: 800;
  margin-bottom: 5px;
}

.check-desc {
  font-size: 14px;
  color: #111827;
}

/* ================= FAQ ================= */
.faq-grid {
  display: grid;
  grid-template-columns: 1.2fr 1.4fr;
  gap: 22px;
  margin-top: 24px;
}

.faq-intro {
  font-size: 14px;
  color: var(--text-sub);
  margin-bottom: 8px;
  font-weight: 500;
}

.faq-notice {
  font-size: 12px;
  color: #6b7280;
}

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.faq-item {
  background: #fff;
  border-radius: 12px;
  padding: 12px 14px;
  border: 1px solid var(--border-soft);
  box-shadow: 0 4px 12px rgba(15, 23, 42, 0.03);
}

.faq-q {
  font-size: 14px;
  font-weight: 700;
  margin-bottom: 4px;
}

.faq-a {
  font-size: 13px;
  color: #4b5563;
}

/* ================= 모달 ================= */
.modal-backdrop {
  position: fixed;
  inset: 0;
  background: rgba(15, 23, 42, 0.45);
  display: none;
  align-items: center;
  justify-content: center;
  z-index: 10000;
}

.modal-backdrop.show {
  display: flex;
}

.modal-panel {
  background: #fff;
  width: min(640px, calc(100% - 32px));
  max-height: 80vh;
  border-radius: 18px;
  padding: 20px 22px;
  box-shadow: 0 20px 40px rgba(15, 23, 42, 0.35);
  overflow-y: auto;
  font-size: 13px;
  color: #374151;
}

.modal-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 10px;
}

.modal-title {
  font-size: 16px;
  font-weight: 800;
}

.modal-close {
  border: none;
  background: transparent;
  cursor: pointer;
  font-size: 18px;
  line-height: 1;
  color: #6b7280;
}

.modal-close:hover {
  color: #111827;
}

.modal-body h4 {
  font-size: 14px;
  font-weight: 700;
  margin: 12px 0 6px;
}

.modal-body p,
.modal-body li {
  margin-bottom: 4px;
}

.modal-body ul {
  padding-left: 16px;
  margin-bottom: 6px;
}

/* ================= 푸터 ================= */
.site-footer {
  border-top: 1px solid var(--border-soft);
  background: #f9fafb;
  padding: 22px 0 26px;
  font-size: 12px;
  color: #6b7280;
}

.footer-inner {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 14px;
  align-items: flex-start;
}

.footer-brand {
  font-weight: 700;
  color: #111827;
  margin-bottom: 4px;
}

.footer-note {
  font-size: 12px;
  color: #6b7280;
}

.footer-right {
  text-align: right;
  min-width: 220px;
}

/* ================= 반응형 ================= */
@media (max-width: 960px) {
  .hero-inner {
    grid-template-columns: 1fr;
  }

  .hero-form-card {
    max-width: 440px;
    margin: 0 auto;
  }

  .two-col {
    grid-template-columns: 1fr;
  }

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

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

  nav.main-nav {
    display: none; /* 모바일에서는 나중에 햄버거 메뉴로 바꾸려면 이 부분 수정 */
  }

  section {
    padding: 56px 0;
  }

  .footer-inner {
    flex-direction: column;
    align-items: flex-start;
  }

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

@media (max-width: 640px) {
  .hero-title {
    font-size: 28px;
  }

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


.footer {
  background: #f8f8f8;
  padding: 40px 24px;
  font-size: 14px;
  color: #555;
  line-height: 1.7;
  border-top: 1px solid #e5e5e5;
}

.footer-inner {
  max-width: 900px;
  margin: 0 auto;
}

.footer p {
  margin-bottom: 14px;
}

.footer strong {
  font-weight: 600;
  color: #333;
}

.footer p + p {
  margin-top: 18px;
}

.footer-inner {
  display: block !important;       /* flex나 grid 강제 해제 */
}

.footer-inner p {
  width: 100% !important;          /* 오른쪽으로 붙는 문제 방지 */
  display: block !important;
}

.footer-right {
  text-align: left !important;
  float: none !important;
}

/* 아코디언 게시판 */
.accordion-board {
  border: 1px solid #e5e7eb;
  border-radius: 14px;
  background: #fff;
  overflow: hidden;
  box-shadow: 0 6px 18px rgba(15, 23, 42, 0.04);
}

.acc-item {
  border-bottom: 1px solid #f3f4f6;
}

.acc-item:last-child {
  border-bottom: none;
}

.acc-title {
  width: 100%;
  background: #fff;
  border: none;
  padding: 16px;
  font-size: 15px;
  text-align: left;
  cursor: pointer;
  position: relative;
  display: flex;
  gap: 10px;
  align-items: center;
}

.acc-title:hover {
  background: #f9fafb;
}

.acc-category {
  font-size: 12px;
  font-weight: 600;
  color: #0f766e;
  background: #e0f2f1;
  padding: 3px 8px;
  border-radius: 6px;
}

.acc-date {
  margin-left: auto;
  font-size: 12px;
  color: #6b7280;
}

.acc-content {
  display: none;
  padding: 16px;
  font-size: 14px;
  color: #374151;
  background: #fcfcfc;
  line-height: 1.6;
}

.acc-item.active .acc-content {
  display: block;
}