*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:'Noto Sans KR',sans-serif;color:#333;background:#fff;line-height:1.6;overflow-x:hidden;-webkit-font-smoothing:antialiased}
a{text-decoration:none;color:inherit}
button,input,select{font-family:inherit;font-size:inherit;border:none;outline:none}
.container{max-width:680px;margin:0 auto;padding:0 20px}

/* HEADER */
.header{position:fixed;top:0;left:0;right:0;z-index:1000;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid #eaeaea;transition:box-shadow .3s}
.header.scrolled{box-shadow:0 1px 12px rgba(0,0,0,.06)}
.header-inner{max-width:680px;margin:0 auto;padding:0 20px;height:54px;display:flex;align-items:center;justify-content:space-between}
.logo{font-weight:800;font-size:19px;color:#1b2e5a;letter-spacing:-.5px}
.header-btn{background:#1b2e5a;color:#fff;font-size:13px;font-weight:700;padding:8px 22px;border-radius:6px;transition:background .2s}
.header-btn:hover{background:#14234a}

/* HERO */
.hero{position:relative;padding:110px 20px 70px;text-align:center;overflow:hidden;background:#1b2e5a}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(135deg,#0d1b36 0%,#1b2e5a 40%,#243b6e 70%,#1b2e5a 100%)}
.hero-overlay::before{content:'';position:absolute;inset:0;opacity:.07;background-image:url("data:image/svg+xml,%3Csvg width='40' height='40' viewBox='0 0 40 40' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23fff' fill-opacity='1'%3E%3Cpath d='M20 20h20v20H20z' fill-opacity='.05'/%3E%3Cpath d='M0 0h20v20H0z' fill-opacity='.05'/%3E%3C/g%3E%3C/svg%3E")}
.hero-overlay::after{content:'';position:absolute;bottom:-2px;left:0;right:0;height:60px;background:linear-gradient(to bottom,transparent,#fff)}
.hero-inner{position:relative;z-index:1;max-width:480px;margin:0 auto}
.hero-label{display:inline-block;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.15);color:rgba(255,255,255,.85);font-size:12px;font-weight:500;padding:5px 16px;border-radius:50px;margin-bottom:22px}
.hero h1{color:#fff;font-size:30px;font-weight:400;line-height:1.45;margin-bottom:14px;letter-spacing:-.3px}
.hero h1 strong{font-weight:900;color:#7eb8ff}
.hero>p,.hero-inner>p{color:rgba(255,255,255,.6);font-size:14px;margin-bottom:30px}
.hero-btn{display:inline-block;background:#fff;color:#1b2e5a;font-weight:700;font-size:15px;padding:14px 44px;border-radius:8px;transition:transform .2s,box-shadow .2s}
.hero-btn:hover{transform:translateY(-2px);box-shadow:0 6px 20px rgba(0,0,0,.2)}

/* TRUST BAR */
.trust-bar{background:#f4f6fa;border-bottom:1px solid #e8ebf0;padding:18px 0}
.trust-items{display:flex;justify-content:center;gap:28px;flex-wrap:wrap}
.trust-item{display:flex;align-items:center;gap:7px;color:#3a5080;font-size:13px;font-weight:600}
.trust-item svg{width:20px;height:20px;flex-shrink:0;color:#1b4daa}

/* FEATURES */
.features{padding:56px 0;background:#fff}
.stitle{text-align:center;font-size:23px;font-weight:400;color:#1a1a2e;margin-bottom:36px;letter-spacing:-.3px}
.stitle b{font-weight:800;color:#1b2e5a}
.stitle-w{color:#fff}
.stitle-w b{color:#7eb8ff}
.feat-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.feat-card{background:#f7f8fb;border-radius:12px;padding:26px 20px;border:1px solid #eef0f4;transition:border-color .2s}
.feat-card:hover{border-color:#b8c7e2}
.feat-num{font-size:28px;font-weight:900;color:#c8d4e8;margin-bottom:10px;line-height:1}
.feat-card h3{font-size:15px;font-weight:700;color:#1a2a4a;margin-bottom:6px}
.feat-card p{font-size:12px;color:#777;line-height:1.65}

/* PROCESS */
.process{padding:56px 0;background:linear-gradient(170deg,#1b2e5a,#243b6e)}
.proc-steps{display:flex;align-items:flex-start;justify-content:center;gap:10px;margin-top:10px}
.proc-step{text-align:center;flex:1;max-width:180px}
.proc-circle{width:56px;height:56px;border-radius:50%;background:rgba(255,255,255,.13);display:flex;align-items:center;justify-content:center;margin:0 auto 10px}
.proc-circle svg{width:26px;height:26px}
.proc-label{font-size:11px;color:rgba(255,255,255,.4);font-weight:700;letter-spacing:1px;margin-bottom:4px}
.proc-step h3{font-size:14px;font-weight:700;color:#fff;margin-bottom:4px}
.proc-step p{font-size:11px;color:rgba(255,255,255,.5);line-height:1.5}
.proc-arrow{padding-top:16px;flex-shrink:0}
.proc-arrow svg{width:22px;height:22px}

/* LOAN INFO */
.loan-info{padding:56px 0;background:#f4f6fa}
.info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.info-card{background:#fff;border-radius:12px;padding:28px 14px;text-align:center;border:1px solid #e8ebf0}
.info-icon{width:44px;height:44px;background:#eef2fb;border-radius:12px;display:flex;align-items:center;justify-content:center;margin:0 auto 10px;color:#1b4daa}
.info-icon svg{width:22px;height:22px}
.info-label{font-size:11px;color:#1b4daa;font-weight:700;letter-spacing:1px;margin-bottom:4px}
.info-val{font-size:20px;font-weight:800;color:#1a1a2e;margin-bottom:4px}
.info-card p{font-size:11px;color:#999}

/* CONSULTATION FORM */
.consultation{padding:56px 0;background:linear-gradient(170deg,#1b2e5a,#0d1b36)}
.ssub{text-align:center;color:rgba(255,255,255,.5);font-size:13px;margin-bottom:28px}
.cform{max-width:440px;margin:0 auto;background:#fff;border-radius:14px;padding:28px 24px}
.cform-group{margin-bottom:14px}
.cform-group label{display:block;font-size:13px;font-weight:600;color:#333;margin-bottom:5px}
.cform-group input,.cform-group select{width:100%;padding:12px 14px;border:1px solid #ddd;border-radius:6px;font-size:14px;background:#fafbfc;transition:border-color .2s}
.cform-group input:focus,.cform-group select:focus{border-color:#1b4daa;background:#fff}
.cform-group input::placeholder{color:#bbb}
.phone-row{display:flex;align-items:center;gap:6px}
.phone-row select{width:78px;text-align:center;padding:12px 6px;border:1px solid #ddd;border-radius:6px;background:#fafbfc;cursor:pointer;font-size:14px}
.phone-row input{flex:1;padding:12px 10px;border:1px solid #ddd;border-radius:6px;background:#fafbfc;font-size:14px}
.phone-row span{color:#bbb;flex-shrink:0}
.phone-row select:focus,.phone-row input:focus{border-color:#1b4daa;background:#fff}
.amount-row{display:flex;align-items:center;gap:8px}
.amount-row input{flex:1;padding:12px 14px;border:1px solid #ddd;border-radius:6px;background:#fafbfc;font-size:14px}
.amount-row input:focus{border-color:#1b4daa;background:#fff}
.unit{font-size:14px;font-weight:600;color:#555;flex-shrink:0}

/* AGREEMENT */
.cform-agree{margin:18px 0 14px;font-size:13px;color:#555}
.ck{display:flex;align-items:center;gap:8px;cursor:pointer;padding:5px 0}
.ck input{width:17px;height:17px;accent-color:#1b4daa;flex-shrink:0}
.ck.sub{padding-left:4px;font-size:12px;color:#777}
.ck b{font-weight:700;color:#333}
.ck a{color:#1b4daa}
.pcontent{margin:4px 0 6px 25px;padding:10px 12px;background:#f7f8fb;border-radius:6px;font-size:11px;color:#888;line-height:1.7}
.pcontent p{margin-bottom:2px}
.cform-btn{width:100%;padding:14px;background:#1b2e5a;color:#fff;border-radius:8px;font-size:16px;font-weight:700;cursor:pointer;transition:background .2s}
.cform-btn:hover{background:#14234a}
.cform-btn:disabled{opacity:.5;cursor:not-allowed}

/* DISCLAIMER */
.disclaimer{padding:28px 0;background:#eef0f4}
.disclaimer p{font-size:11px;color:#999;line-height:1.8}

/* FOOTER */
.footer{padding:32px 0 90px;background:#1b2e5a;color:rgba(255,255,255,.5);font-size:12px;line-height:1.9}
.footer-name{font-size:16px;font-weight:700;color:#fff;margin-bottom:10px}
.copy{margin-top:16px;padding-top:14px;border-top:1px solid rgba(255,255,255,.08);font-size:11px;color:rgba(255,255,255,.3)}

/* KAKAO */
.kakao{position:fixed;bottom:20px;right:16px;z-index:999;display:flex;align-items:center;gap:6px;padding:12px 20px;background:#fee500;color:#3C1E1E;border-radius:50px;font-weight:700;font-size:13px;box-shadow:0 2px 12px rgba(0,0,0,.15);transition:transform .2s}
.kakao:hover{transform:translateY(-2px)}

/* MODAL */
.modal{position:fixed;inset:0;z-index:2000;background:rgba(0,0,0,.4);display:flex;align-items:center;justify-content:center;padding:20px}
.modal-box{background:#fff;border-radius:14px;padding:36px 28px;text-align:center;max-width:320px;width:100%;box-shadow:0 10px 40px rgba(0,0,0,.15)}
.modal-ic{width:52px;height:52px;background:#1b4daa;border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 14px}
.modal-box h3{font-size:18px;font-weight:700;color:#1a1a2e;margin-bottom:6px}
.modal-box p{font-size:13px;color:#777;margin-bottom:20px}
.modal-box button{padding:10px 36px;background:#1b2e5a;color:#fff;border-radius:6px;font-weight:600;font-size:14px;cursor:pointer}
.modal-box button:hover{background:#14234a}

/* RESPONSIVE */
@media(max-width:600px){
    .hero{padding:90px 20px 56px}
    .hero h1{font-size:24px}
    .trust-items{gap:14px}
    .trust-item{font-size:12px}
    .trust-item svg{width:17px;height:17px}
    .stitle{font-size:20px}
    .feat-grid{gap:10px}
    .feat-card{padding:20px 14px}
    .proc-steps{flex-direction:column;gap:16px;align-items:center}
    .proc-arrow{transform:rotate(90deg);padding:0}
    .info-grid{grid-template-columns:1fr}
    .cform{padding:22px 16px}
    .kakao{bottom:14px;right:12px;padding:10px 16px;font-size:12px}
    .footer{padding-bottom:80px}
}
@media(max-width:380px){
    .hero h1{font-size:21px}
    .feat-grid{grid-template-columns:1fr}
    .trust-items{gap:8px 16px}
}