@charset "utf-8";
/* 보험 컨설팅 센터 (refundwise.co.kr) — 상담 데스크 / 딥 포레스트그린 + 테라코타 + 크림 아이보리 */
:root{
  --ink:#1b3a2c;--ink2:#234a3a;
  --pine:#2f8a5e;--pine-d:#226b48;--pine-dd:#184f37;--pine-soft:#dcebe1;--pine-soft2:#bcdcc7;
  --terra:#cf6a3c;--terra-d:#b0512a;--terra-soft:#f6e2d3;--terra-soft2:#ecbf9f;
  --soft:#5f6f63;--bg:#f6f1e6;--bg2:#efe7d6;--paper:#fffdf8;--line:#e9e0cd;--line2:#ddd1b7;
  --r:18px;--shadow:0 12px 30px rgba(27,58,44,.08);--shadow-lg:0 30px 64px rgba(27,58,44,.15);--shadow-pine:0 16px 38px rgba(34,107,72,.26);
}
*{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:1.72;-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:1170px;margin:0 auto;padding:0 24px}

/* ---------- 헤더 ---------- */
header{position:sticky;top:0;z-index:60;background:rgba(246,241,230,.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:34px;height:34px;display:grid;place-items:center}
.brand .mark svg{width:34px;height:34px;filter:drop-shadow(0 4px 9px rgba(34,107,72,.3))}
.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:9px;transition:background .15s,color .15s}
nav a:hover{background:var(--pine-soft);color:var(--pine-dd)}
nav a.active{color:var(--pine-dd);font-weight:700;background:var(--pine-soft)}
.hbtn{background:var(--terra);color:#fff;border-radius:999px;padding:11px 22px;font-weight:700;font-size:14px;display:inline-flex;align-items:center;gap:6px;transition:transform .15s,background .15s;letter-spacing:-.2px;box-shadow:0 12px 26px rgba(207,106,60,.3)}
.hbtn:hover{transform:translateY(-2px);background:var(--terra-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(27,58,44,.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(27,58,44,.25)}
.mpanel .x{background:var(--pine-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(--pine-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(--pine-dd)}
.mlink.hl{background:var(--terra);color:#fff;text-align:center;border-radius:999px;margin-top:18px;border-bottom:0;box-shadow:0 12px 26px rgba(207,106,60,.3)}

/* ---------- 공통 헤딩 ---------- */
.eyebrow{display:inline-flex;align-items:center;gap:9px;font-weight:800;font-size:12px;letter-spacing:2.5px;color:var(--pine-dd);text-transform:uppercase}
.eyebrow::before{content:"";width:22px;height:2px;background:var(--terra)}
.center .eyebrow::before{display:none}
.center .eyebrow{background:var(--pine-soft);padding:7px 16px;border-radius:999px;letter-spacing:2px}
.title{font-size:clamp(26px,3.6vw,38px);font-weight:800;letter-spacing:-1.2px;line-height:1.26;color:var(--ink);margin-top:14px}
.title .tl{color:var(--pine-d)}.title .co{color:var(--terra-d)}
.desc{margin-top:13px;color:var(--soft);font-size:15.5px;max-width:640px}
.center{text-align:center}
.center .desc{margin-left:auto;margin-right:auto}
.desc b{color:var(--ink)}
.block{padding:70px 0}

/* ---------- 히어로 (좌 카피 / 우 폼) ---------- */
.hero{position:relative;overflow:clip;background:radial-gradient(720px 360px at 14% -40px,rgba(34,107,72,.1),transparent 60%),radial-gradient(560px 320px at 96% 8%,rgba(207,106,60,.09),transparent 62%),linear-gradient(180deg,#fbf8f0,var(--bg));padding:50px 0 40px}
.herowrap{display:grid;grid-template-columns:1fr 416px;gap:42px;align-items:center}
.hero-l .badge{display:inline-flex;align-items:center;gap:8px;background:var(--terra-soft);color:var(--terra-d);border-radius:999px;padding:7px 16px;font-weight:800;font-size:12.5px;margin-bottom:17px}
.hero-l h2{font-size:clamp(29px,4.2vw,46px);font-weight:800;line-height:1.15;letter-spacing:-1.5px;color:var(--ink)}
.hero-l h2 .tl{color:var(--pine-d)}
.hero-l h2 .co{color:var(--terra-d)}
.hero-l .lead{margin:16px 0 0;font-size:16px;color:var(--soft);max-width:500px}
.hero-l .lead b{color:var(--ink);font-weight:700}
.herotrust{display:flex;gap:12px;margin-top:32px;flex-wrap:wrap}
.htchip{display:flex;align-items:center;gap:10px;background:var(--paper);border:1px solid var(--line2);border-radius:13px;padding:12px 18px;box-shadow:var(--shadow)}
.htchip .ic{width:34px;height:34px;border-radius:10px;background:var(--pine-soft);color:var(--pine-dd);display:grid;place-items:center;font-size:17px;flex:none}
.htchip:nth-child(2) .ic{background:var(--terra-soft);color:var(--terra-d)}
.htchip b{display:block;font-size:14.5px;font-weight:800;color:var(--ink);letter-spacing:-.3px}
.htchip span{font-size:12px;color:var(--soft)}

/* ---------- 폼 카드 ---------- */
.qcard{background:var(--paper);border:1px solid var(--line2);border-radius:18px;box-shadow:var(--shadow-lg);overflow:hidden;scroll-margin-top:90px}
.qcard .qtab{background:linear-gradient(120deg,var(--pine-dd),var(--pine));color:#fff;padding:15px 22px;display:flex;align-items:center;justify-content:space-between}
.qcard .qtab h3{font-size:16.5px;font-weight:800;letter-spacing:-.3px}
.qcard .qtab h3 span{color:var(--terra-soft2)}
.qcard .qtab .free{background:var(--terra);color:#fff;font-size:11px;font-weight:800;padding:4px 11px;border-radius:999px}
.qcard .qbody{padding:20px 22px 22px}
.field{margin-bottom:12px}
.field label{display:block;font-size:12.5px;font-weight:700;margin-bottom:6px;color:var(--ink);letter-spacing:-.2px}
.txt{width:100%;border:1.5px solid var(--line2);background:#fbf8f0;border-radius:11px;padding:12px 13px;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(--pine);background:#fff;box-shadow:0 0 0 3px rgba(34,107,72,.15)}
.txt::placeholder{color:#aab0a5}
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='%231b3a2c' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;padding-right:30px}
.frow2{display:grid;grid-template-columns:1fr 1fr;gap:11px}
.seg{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.seg button{border:1.5px solid var(--line2);background:#fbf8f0;border-radius:11px;padding:11px 0;font-size:14.5px;font-weight:700;cursor:pointer;color:var(--soft);transition:all .15s}
.seg button:hover{border-color:var(--pine);color:var(--pine-dd)}
.seg button.on{background:var(--pine);border-color:var(--pine);color:#fff}
.phone-row{display:grid;grid-template-columns:70px 1fr;gap:8px}
.submit{width:100%;background:var(--terra);color:#fff;border:0;border-radius:12px;padding:15px 0;font-size:16.5px;font-weight:800;letter-spacing:-.3px;cursor:pointer;box-shadow:0 12px 26px rgba(207,106,60,.32);transition:transform .12s,background .15s;margin-top:6px}
.submit:hover{transform:translateY(-2px);background:var(--pine-d)}
.submit:active{transform:translateY(1px)}
.cfoot{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(--pine)}
.privacy_label{font-weight:600;color:var(--ink)}
.privacy_view{font-weight:700;color:var(--pine-dd);text-decoration:underline;text-underline-offset:3px}
.privacy_view:hover{color:var(--terra-d)}
.err{display:none;background:#fdeceb;border:1.5px solid #f2bdb8;border-radius:10px;color:#c0392b;font-size:13.5px;font-weight:700;padding:10px 14px;margin:10px 0 0;text-align:center}

/* ---------- 보험사 마퀴 ---------- */
.insurers{padding:36px 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(--pine-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}}

/* ---------- 비대칭 split (좌 스티키 헤드 / 우 콘텐츠) ---------- */
.split{display:grid;grid-template-columns:.84fr 1.16fr;gap:46px;align-items:start}
.split-head{position:sticky;top:92px}
.split-head .desc{margin-top:14px}
.split-head .miniband{display:inline-flex;align-items:center;gap:9px;margin-top:20px;background:var(--pine-soft);color:var(--pine-dd);border-radius:12px;padding:11px 16px;font-size:13px;font-weight:700}
.signlist{display:grid;gap:13px}
.signrow{display:grid;grid-template-columns:auto 1fr;gap:16px;align-items:flex-start;background:var(--paper);border:1px solid var(--line2);border-radius:14px;padding:19px 22px;box-shadow:var(--shadow);transition:transform .18s,box-shadow .18s,border-color .18s}
.signrow:hover{transform:translateX(5px);box-shadow:var(--shadow-lg);border-color:var(--terra-soft2)}
.signrow .sn{width:36px;height:36px;border-radius:11px;background:var(--terra-soft);color:var(--terra-d);display:grid;place-items:center;font-size:19px;flex:none}
.signrow h4{font-size:16.5px;font-weight:800;letter-spacing:-.3px;color:var(--ink);margin-bottom:3px}
.signrow p{font-size:13.8px;color:var(--soft);line-height:1.6}

/* ---------- 피처 패널 (좌 일러스트 / 우 서비스 리스트) ---------- */
.feature{display:grid;grid-template-columns:1.02fr 1fr;gap:48px;align-items:center}
.fart{background:linear-gradient(160deg,#fbf8f0,var(--bg2));border:1px solid var(--line2);border-radius:24px;padding:30px;box-shadow:var(--shadow-lg);position:relative;overflow:hidden}
.fart::after{content:"";position:absolute;right:-40px;bottom:-40px;width:160px;height:160px;border-radius:50%;background:rgba(207,106,60,.12)}
.fart svg{width:100%;height:auto;display:block;position:relative;z-index:1}
.svc{display:grid;gap:14px}
.svc .svci{display:grid;grid-template-columns:auto 1fr;gap:17px;align-items:flex-start;padding:18px 4px;border-bottom:1px solid var(--line)}
.svc .svci:last-child{border-bottom:0}
.svc .svci .num{width:40px;height:40px;border-radius:12px;background:var(--pine);color:#fff;display:grid;place-items:center;font-size:15px;font-weight:800;flex:none;box-shadow:var(--shadow-pine)}
.svc .svci:nth-child(even) .num{background:var(--terra);box-shadow:0 12px 26px rgba(207,106,60,.28)}
.svc .svci h3{font-size:18px;font-weight:800;letter-spacing:-.4px;color:var(--ink);margin-bottom:4px}
.svc .svci p{font-size:14px;color:var(--soft);line-height:1.62}

/* ---------- 약속 밴드 (다크 포레스트) ---------- */
.promise{background:linear-gradient(135deg,var(--pine-dd),var(--ink));border-radius:24px;padding:40px 30px;box-shadow:var(--shadow-lg);position:relative;overflow:clip}
.promise::before{content:"";position:absolute;left:-50px;top:-50px;width:200px;height:200px;border-radius:50%;background:rgba(207,106,60,.2)}
.promise .ph{position:relative;z-index:1;text-align:center;color:#fff;font-size:20px;font-weight:800;letter-spacing:-.5px;margin-bottom:28px}
.promise .ph b{color:var(--terra-soft2)}
.pgrid{position:relative;z-index:1;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.pcell{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:16px;padding:24px 18px;text-align:center}
.pcell .pi{font-size:26px;margin-bottom:9px;display:block}
.pcell b{display:block;font-size:17px;font-weight:800;color:#fff;letter-spacing:-.3px;margin-bottom:4px}
.pcell span{font-size:12.7px;color:rgba(255,255,255,.72);line-height:1.5}

/* ---------- 일반 표 ---------- */
.gentable{margin-top:30px;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:14.4px}
.gentable th{background:var(--ink);color:#fff;font-weight:700;padding:14px 18px;text-align:left;word-break:keep-all}
.gentable th b{color:var(--terra-soft2)}
.gentable td{padding:13px 18px;border-top:1px solid var(--line);color:var(--soft);vertical-align:top;line-height:1.62;word-break:keep-all}
.gentable td b{color:var(--ink)}
.gentable tr:nth-child(even) td{background:var(--bg)}
.gentable td.pick{background:var(--pine-soft);color:var(--ink);font-weight:600}

/* ---------- 콜아웃 ---------- */
.callout{margin-top:28px;background:var(--pine-soft);border:1px solid var(--pine-soft2);border-radius:var(--r);padding:22px 26px;display:flex;gap:15px;align-items:flex-start;box-shadow:var(--shadow)}
.callout.co{background:var(--terra-soft);border-color:var(--terra-soft2)}
.callout .ci{flex:none;width:38px;height:38px;border-radius:11px;background:var(--paper);color:var(--pine-dd);display:grid;place-items:center;font-size:19px}
.callout.co .ci{color:var(--terra-d)}
.callout h3{font-size:16.5px;font-weight:800;margin-bottom:5px;color:var(--ink)}
.callout p{font-size:14.2px;color:var(--soft)}
.callout p a{color:var(--pine-dd);text-decoration:underline;text-underline-offset:3px;font-weight:700}

/* ---------- 6 메뉴 이미지 카드 ---------- */
.mgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:42px}
.mtile{background:var(--paper);border:1px solid var(--line2);border-radius:20px;box-shadow:var(--shadow);display:block;overflow:hidden;transition:transform .2s,box-shadow .2s,border-color .2s;position:relative}
.mtile:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:var(--pine-soft2)}
.mtile .mthumb{display:block;aspect-ratio:16/10;overflow:hidden;background:var(--pine-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 .mrib{position:absolute;left:0;top:14px;z-index:2;background:var(--terra);color:#fff;font-size:12px;font-weight:800;letter-spacing:1px;padding:5px 14px 5px 12px;border-radius:0 999px 999px 0;box-shadow:0 6px 14px rgba(207,106,60,.34)}
.mtile .mcap{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:16px 20px 18px;border-left:4px solid var(--pine)}
.mtile:nth-child(3n-1) .mcap{border-left-color:var(--terra)}
.mtile .mcap .ct{font-size:13.4px;font-weight:600;color:var(--soft)}
.mtile .mcap .ct b{color:var(--ink);font-weight:800;font-size:16px;display:block;letter-spacing:-.3px;margin-bottom:1px}
.mtile .mcap .go{width:30px;height:30px;border-radius:999px;background:var(--pine-soft);color:var(--pine-dd);display:grid;place-items:center;font-size:14px;flex:none;transition:background .2s,color .2s,transform .2s}
.mtile:hover .mcap .go{background:var(--terra);color:#fff;transform:translateX(3px)}

/* ---------- 상담 절차 타임라인 ---------- */
.flow{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:42px;position:relative}
.flow::before{content:"";position:absolute;top:31px;left:12%;right:12%;height:3px;background:repeating-linear-gradient(90deg,var(--pine-soft2) 0 12px,transparent 12px 22px)}
.fstep{position:relative;text-align:center;padding:0 14px}
.fstep .fdot{width:64px;height:64px;border-radius:50%;background:var(--paper);border:3px solid var(--pine);color:var(--pine-dd);display:grid;place-items:center;font-size:26px;margin:0 auto 16px;box-shadow:var(--shadow);position:relative;z-index:1}
.fstep:nth-child(even) .fdot{border-color:var(--terra);color:var(--terra-d)}
.fstep .fnum{font-size:11.5px;font-weight:800;letter-spacing:1.5px;color:var(--terra-d);margin-bottom:5px}
.fstep h3{font-size:16.5px;font-weight:800;letter-spacing:-.4px;color:var(--ink);margin-bottom:6px}
.fstep p{font-size:13.4px;color:var(--soft);line-height:1.56}

/* ---------- FAQ 아코디언 ---------- */
.faq{margin-top:34px;max-width:940px}
.center + .faq,.faqcenter{margin-left:auto;margin-right:auto}
.qa{background:var(--paper);border:1px solid var(--line2);border-radius:14px;margin-bottom:11px;box-shadow:var(--shadow);overflow:hidden;transition:box-shadow .2s,border .2s}
.qa.open{border-color:var(--pine);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:18px 22px;font-size:15.5px;font-weight:700;cursor:pointer;color:var(--ink)}
.qa .q:hover{background:var(--bg)}
.qa .qmark{color:var(--terra-d);font-weight:800;margin-right:9px;font-style:italic}
.qa .ar{width:27px;height:27px;border-radius:999px;background:var(--pine-soft);color:var(--pine-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(--pine);color:#fff}
.qa .a{max-height:0;overflow:hidden;transition:max-height .35s ease;color:var(--soft);font-size:14.6px}
.qa .a > div{padding:0 22px 19px;border-top:1px solid var(--line);padding-top:14px}
.faqmore{display:inline-block;margin-top:16px;font-weight:700;font-size:14.5px;color:var(--pine-dd);text-decoration:underline;text-underline-offset:3px}
.faqmore:hover{color:var(--terra-d)}

/* ---------- CTA ---------- */
.ctaband{position:relative;background:linear-gradient(135deg,var(--terra-d) 0%,var(--terra) 100%);color:#fff;padding:52px 48px;border-radius:22px;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:-50px;top:-50px;width:220px;height:220px;border-radius:50%;background:rgba(255,255,255,.14)}
.ctaband .ctxt{position:relative;z-index:1}
.ctaband .ctxt h2{font-size:clamp(23px,3.2vw,34px);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,.9);font-size:15px}
.ctaband a{position:relative;z-index:1;flex:none;background:#fff;color:var(--terra-d);border-radius:999px;padding:16px 42px;font-weight:800;font-size:16.5px;transition:transform .15s,background .15s,color .15s}
.ctaband a:hover{transform:translateY(-2px);background:var(--ink);color:#fff}

/* ---------- 서브 히어로 (메뉴 페이지) ---------- */
.subhero{position:relative;overflow:clip;padding:54px 0 52px;text-align:center;background:radial-gradient(680px 320px at 80% -30px,rgba(207,106,60,.16),transparent 58%),linear-gradient(160deg,var(--pine-d) 0%,var(--ink) 86%);color:#fff}
.subhero .sgrid{position:relative;z-index:1;max-width:820px;margin:0 auto}
.subhero .crumb{font-size:13px;color:rgba(255,255,255,.72);margin-bottom:16px;font-weight:500}
.subhero .crumb a{color:var(--terra-soft2);text-decoration:underline;text-underline-offset:3px;font-weight:600}
.subhero .crumb span{margin:0 7px;color:rgba(255,255,255,.4)}
.subhero .dept{display:inline-block;font-weight:800;font-size:12px;letter-spacing:2.5px;color:#fff;margin-bottom:14px;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.2);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 .co{color:var(--terra-soft2)}
.subhero p{margin:15px auto 0;color:rgba(255,255,255,.84);font-size:15px;max-width:620px}

/* ---------- 본문 아티클 (메뉴 페이지) ---------- */
.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(--pine-dd);background:var(--pine-soft);border-radius:8px;padding:4px 10px;flex:none}
.article p.t{color:var(--soft);font-size:15.6px;margin-bottom:12px;line-height:1.78}
.article p.t b{color:var(--ink)}
.article p.t a{color:var(--pine-dd);text-decoration:underline;text-underline-offset:3px;font-weight:700}
.article p.t a:hover{color:var(--terra-d)}
.steps{counter-reset:st;display:grid;gap:0;margin-top:22px;border:1px solid var(--line2);border-radius:14px;overflow:hidden;background:var(--paper);box-shadow:var(--shadow)}
.step{padding:22px 24px 22px 76px;position:relative;counter-increment:st;border-top:1px solid var(--line)}
.step:first-child{border-top:0}
.step::before{content:"0" counter(st);position:absolute;left:22px;top:20px;font-size:20px;font-weight:800;color:var(--pine-dd);letter-spacing:-1px}
.step h3{font-size:17px;font-weight:800;letter-spacing:-.4px;margin-bottom:4px;color:var(--ink)}
.step p{font-size:14.2px;color:var(--soft)}
.step p b{color:var(--ink)}
.step p a{color:var(--pine-dd);text-decoration:underline;text-underline-offset:3px;font-weight:700}
.checklist{list-style:none;margin-top:18px;display:grid;gap:10px}
.checklist li{background:var(--paper);border:1px solid var(--line2);border-radius:12px;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(--pine);font-weight:800}
.checklist li b{color:var(--ink)}
.article .gentable{margin-top:22px}
.pts{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:24px}
.pt{background:var(--paper);border:1px solid var(--line2);border-radius:14px;box-shadow:var(--shadow);padding:24px 24px;position:relative;overflow:hidden}
.pt::before{content:"";position:absolute;top:0;left:0;width:100%;height:5px;background:var(--pine)}
.pt:nth-child(2)::before{background:var(--terra)}
.pt:nth-child(3)::before{background:var(--pine-d)}
.pt:nth-child(4)::before{background:var(--terra-d)}
.pt .pn{font-size:12.5px;font-weight:800;letter-spacing:1px;color:var(--terra-d);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(--pine);border-radius:12px;background:var(--paper);box-shadow:var(--shadow);padding:20px 24px}
.dxc:nth-child(even){border-left-color:var(--terra)}
.dxc h3{font-size:18.5px;font-weight:800;letter-spacing:-.5px;margin-bottom:6px;color:var(--pine-dd)}
.dxc:nth-child(even) h3{color:var(--terra-d)}
.dxc p{font-size:14.3px;color:var(--soft)}
.dxc p b{color:var(--ink)}

/* ---------- 푸터 ---------- */
footer{background:#13261d;color:#fff;padding:0 0 36px;margin-top:0}
footer::before{content:"";display:block;height:5px;margin-bottom:44px;background:linear-gradient(90deg,var(--pine),var(--terra))}
.fnotes{background:rgba(255,255,255,.05);border-radius:13px;padding:20px 24px;font-size:12.6px;line-height:1.85;color:rgba(255,255,255,.66)}
.fnotes .strong{font-weight:800;color:var(--terra-soft2);margin-bottom:6px}
.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:26px;height:26px}
.fbrand .mark svg{width:26px;height:26px}
.fcorp{margin-top:8px;font-size:12.4px;color:rgba(255,255,255,.45)}
.flinks{display:flex;gap:18px}
.flinks a{font-size:13.4px;font-weight:700;color:var(--terra-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(27,58,44,.55);padding:20px}
.modal.open{display:flex;align-items:center;justify-content:center}
.mbox{background:var(--paper);width:100%;max-width:480px;border-radius:18px;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(--pine-d)}
.mtop h3{font-size:18px;font-weight:800;color:#fff}
.mclose{background:rgba(255,255,255,.18);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:var(--terra-d);color:#fff}
.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(--pine-d);color:#fff;border:0;border-radius:11px;padding:12px 24px;font-weight:800;font-size:14.5px;cursor:pointer;transition:background .15s,color .15s;box-shadow:var(--shadow-pine)}
.mbtn:hover{background:var(--ink)}
.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(--pine-dd)}
.demohint{display:none}
.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(--pine-dd)}
.field.mfield{margin-top:18px}
.mfield label{display:block;font-size:13px;font-weight:700;margin-bottom:4px;color:var(--ink)}

.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:30px 0 38px}
  .herowrap{grid-template-columns:1fr;gap:24px}
  .split{grid-template-columns:1fr;gap:26px}
  .split-head{position:static}
  .feature{grid-template-columns:1fr;gap:28px}
  .fart{order:2}
  .pgrid{grid-template-columns:1fr 1fr}
  .mgrid{grid-template-columns:1fr 1fr}
  .flow{grid-template-columns:1fr 1fr;gap:30px 0}
  .flow::before{display:none}
  .pts{grid-template-columns:1fr}
  .ctaband{flex-direction:column;align-items:flex-start;text-align:left}
}
@media (max-width:600px){
  .frow2{grid-template-columns:1fr}
  .herotrust{gap:9px}
  .htchip{padding:10px 14px}
  .pgrid{grid-template-columns:1fr 1fr}
  .mgrid{grid-template-columns:1fr}
  .flow{grid-template-columns:1fr}
  .gentable table,.gentable tbody,.gentable tr,.gentable td{display:block;width:100%}
  .gentable thead,.gentable tr:first-child{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 18px}
  .gentable td:first-child{padding-top:14px}
  .gentable td:last-child{padding-bottom:14px}
  .gentable td b{display:inline-block;margin-bottom:2px;color:var(--pine-dd)}
  .gentable.cmp table{display:table}
  .gentable.cmp tbody{display:table-row-group}
  .gentable.cmp tr,.gentable.cmp tr:first-child,.gentable.cmp thead{display:table-row;border-top:0;padding:0}
  .gentable.cmp th,.gentable.cmp td{display:table-cell;width:auto;font-size:12.3px;padding:9px 9px;border-top:1px solid var(--line)}
  .gentable.cmp td b{display:inline;margin:0;color:var(--ink)}
  .gentable.cmp td.pick{background:var(--pine-soft)}
}