/* =========================================================
   VISION BRIDGE homepage1 test — 20260921vb-homepage1-v5
   로고·색만 교체. 구조는 homepage-template과 같음.
   ========================================================= */

/* ---------- 1. 토큰 ---------- */
:root {
  --ink: #163a5c;
  --ink-2: #1a4570;
  --body: #3d4d5c;
  --muted: #6a7a88;
  --line: #dce4ec;
  --line-strong: #c5d0dc;

  --bg: #fff9ec;
  --bg-tint: #fff4dc;
  --bg-dark: #205080;
  --bg-dark-2: #1a4470;

  --gold: #e8b038;
  --gold-deep: #d4a02e;
  --gold-soft: #f7e7b8;
  --accent: #e8b038;
  --accent-ink: #205080;
  --accent-tint: #fff4cc;

  --ok: #1f7a5c;

  --wrap: 1160px;
  --gap: 24px;
  --r-sm: 8px;
  --r: 12px;
  --r-lg: 18px;

  --sh-1: 0 1px 2px rgba(0, 0, 0, 0.05);
  --sh-2: 0 6px 18px -8px rgba(0, 0, 0, 0.16), 0 2px 4px rgba(0, 0, 0, 0.04);
  --sh-3: 0 22px 48px -24px rgba(0, 0, 0, 0.28);

  --sec-y: clamp(64px, 8vw, 116px);

  /* sticky 헤더(브랜드 줄 + 탭 줄)의 실제 높이. app.js 가 측정해서 덮어쓴다. */
  --hdr-h: 124px;

  /* Pretendard 를 index.html 의 CDN <link> 로 실제로 불러온다.
     앞의 두 이름이 그 웹폰트고, 뒤는 오프라인/차단 시 시스템 글꼴 폴백 체인이다.
     (시스템 UI 글꼴 -apple-system 은 Pretendard 뒤에 둬야 macOS 에서도 Pretendard 가 이긴다) */
  --kr: "Pretendard Variable", Pretendard, -apple-system, BlinkMacSystemFont,
    "Apple SD Gothic Neo", "Malgun Gothic", "맑은 고딕", "Noto Sans KR",
    "Segoe UI", Roboto, sans-serif;
  --mono: "SFMono-Regular", Consolas, "Liberation Mono", Menlo, monospace;
}

/* ---------- 2. 리셋 & 기본 ---------- */
*,
*::before,
*::after { box-sizing: border-box; }

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--hdr-h) + 14px);
}

body {
  margin: 0;
  font-family: var(--kr);
  font-size: 16.5px;
  line-height: 1.7;
  color: var(--body);
  background: var(--bg);
  letter-spacing: -0.008em;
  word-break: keep-all;
  overflow-wrap: break-word;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
}

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

/* config.js 값이 비면 app.js가 hidden을 켠다.
   아래 규칙이 없으면 flex/grid display 선언이 hidden을 덮어써서 계속 보인다. */
[hidden] { display: none !important; }
a { color: inherit; text-decoration: none; }
button { font: inherit; }

/* 제목 타이포 — Pretendard 기준으로 다시 잡았다.
   Pretendard 는 맑은 고딕보다 자체 자간이 좁고 굵기 단계가 많아서,
   무게는 800 으로 올리고 자간은 과하게 당기지 않는다 (당기면 한글이 뭉친다). */
h1, h2, h3, h4 {
  margin: 0;
  color: var(--ink);
  font-weight: 800;
  line-height: 1.26;
  letter-spacing: -0.03em;
  word-break: keep-all;
}
h1 { font-size: clamp(30px, 4.3vw, 49px); line-height: 1.2; letter-spacing: -0.038em; }
h2 { font-size: clamp(25px, 3.25vw, 40px); line-height: 1.22; letter-spacing: -0.035em; }
h3 { font-size: clamp(17.5px, 1.5vw, 20.5px); line-height: 1.38; letter-spacing: -0.026em; font-weight: 700; }
h4 { font-weight: 700; }
p { margin: 0 0 1em; }
p:last-child { margin-bottom: 0; }
ul, ol, dl, dd { margin: 0; padding: 0; }
li { list-style: none; }

:focus-visible {
  outline: 2.5px solid var(--accent);
  outline-offset: 3px;
  border-radius: 4px;
}
.band-dark :focus-visible { outline-color: #d8d8d8; }

.wrap {
  width: 100%;
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 clamp(18px, 4vw, 36px);
}

.skip-link {
  position: absolute;
  left: 12px;
  top: -60px;
  z-index: 200;
  background: var(--ink);
  color: #fff;
  padding: 10px 16px;
  border-radius: var(--r-sm);
  transition: top 0.18s;
}
.skip-link:focus-visible { top: 12px; }

/* ---------- 3. 섹션 밴드 ---------- */
.sec { padding: var(--sec-y) 0; }
.band-light { background: var(--bg); }
.band-tint { background: var(--bg-tint); border-block: 1px solid var(--line); }
.band-dark { background: var(--bg-dark); color: #c3cde0; }
.band-dark h1, .band-dark h2, .band-dark h3 { color: #fff; }
.band-dark .sec-lead { color: #9fadc4; }
.band-dark .sec-lead strong { color: #fff; }

.sec-head { max-width: 760px; margin-bottom: clamp(34px, 4.5vw, 56px); }
.sec-head .sec-lead { margin-top: 18px; }

.eyebrow {
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 0 0 14px;
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent-ink);
}
.band-dark .eyebrow { color: #bdbdbd; }
.eyebrow .num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 26px;
  height: 22px;
  padding: 0 5px;
  border: 1px solid currentColor;
  border-radius: 999px;
  font-size: 11px;
  letter-spacing: 0.06em;
  opacity: 0.85;
}

.sec-lead {
  font-size: clamp(15.5px, 1.35vw, 18px);
  line-height: 1.76;
  letter-spacing: -0.014em;
  color: var(--body);
}
.sec-lead strong { color: var(--ink); font-weight: 700; }

.note {
  margin-top: clamp(24px, 3vw, 36px);
  padding: 16px 18px 16px 20px;
  border-left: 3px solid var(--line-strong);
  background: rgba(0, 0, 0, 0.026);
  border-radius: 0 var(--r-sm) var(--r-sm) 0;
  font-size: 14.5px;
  line-height: 1.75;
  color: var(--muted);
}
.note strong { color: var(--ink); }
.band-tint .note { background: rgba(0, 0, 0, 0.035); }

/* ---------- 4. 버튼 & 아이콘 ---------- */
.ic {
  width: 1em;
  height: 1em;
  flex: none;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.7;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 46px;
  padding: 11px 22px;
  border: 1px solid transparent;
  border-radius: 999px;
  font-size: 15px;
  font-weight: 700;
  letter-spacing: -0.018em;
  white-space: nowrap;
  cursor: pointer;
  transition: transform 0.16s ease, background-color 0.16s, border-color 0.16s, box-shadow 0.16s, color 0.16s;
}
.btn .ic { font-size: 17px; }
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }

.btn-ink { background: var(--ink); color: #fff; box-shadow: var(--sh-2); }
.btn-ink:hover { background: #060e1b; }

.btn-accent { background: var(--accent); color: #163a5c; box-shadow: var(--sh-2); }
.btn-accent:hover { background: #d4a02e; color: #163a5c; }

.btn-line { border-color: var(--line-strong); color: var(--ink); background: #fff; }
.btn-line:hover { border-color: var(--ink); }
.band-dark .btn-line { background: transparent; border-color: rgba(255, 255, 255, 0.28); color: #fff; }
.band-dark .btn-line:hover { border-color: #fff; }

.btn-sm { min-height: 44px; padding: 10px 17px; font-size: 14px; }
.btn-lg { min-height: 54px; padding: 14px 28px; font-size: 16px; }
.btn-block { width: 100%; }

/* ---------- 5. 헤더 ---------- */
.hdr {
  position: sticky;
  top: 0;
  z-index: 80;
  background: var(--bg-dark);
  border-bottom: 1px solid #1a4470;
  transition: box-shadow 0.2s, background-color 0.2s;
}
.hdr.is-scrolled { box-shadow: 0 6px 20px -14px rgba(0, 0, 0, 0.45); background: var(--bg-dark); }

.hdr-inner {
  display: flex;
  align-items: center;
  gap: 18px;
  min-height: 72px;
  transition: min-height 0.2s;
}
.hdr.is-scrolled .hdr-inner { min-height: 62px; }
/* 탭 전환 순간에만 켠다 — 줄어든 헤더 높이를 바로 재기 위해 */
.hdr.no-anim,
.hdr.no-anim .hdr-inner { transition: none !important; }

.brand { display: flex; align-items: center; gap: 11px; margin-right: auto; min-width: 0; }
.brand-mark { width: 40px; height: 40px; border-radius: 6px; object-fit: contain; background: transparent; }
.brand-text { display: flex; flex-direction: column; min-width: 0; }
.brand-name {
  font-size: 17.5px;
  font-weight: 800;
  color: #fff;
  letter-spacing: 0.08em;
  line-height: 1.22;
  white-space: nowrap;
}
.hdr .brand-sub,
.hdr .brand-name { color: #fff; }
.brand-sub {
  font-size: 11.5px;
  color: #d8e4f2;
  letter-spacing: -0.01em;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

.hdr-cta { display: flex; align-items: center; gap: 8px; }

.sns {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px;
}
.sns-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 50%;
  color: #fff;
  background: rgba(255, 255, 255, 0.04);
}
.sns-btn .ic { width: 18px; height: 18px; stroke-width: 1.7; }
.sns-btn:hover { background: rgba(255, 255, 255, 0.12); border-color: #fff; }
.sns-ftr { margin-top: 16px; }
.sns-drawer { margin-top: 12px; justify-content: center; }
.sns-hdr { display: none; }

.sns-float {
  position: fixed;
  right: 16px;
  bottom: 84px;
  z-index: 69;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.sns-float.is-low { bottom: 16px; }
.sns-float-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: #fff;
  box-shadow: 0 8px 22px -10px rgba(0, 0, 0, 0.55);
}
.sns-float-btn img { display: block; object-fit: contain; }
.sns-float-btn.is-kakao { background: #fee500; overflow: hidden; }
.sns-float-btn.is-kakao img { width: 52px; height: 52px; }
.sns-float-btn.is-instagram img { width: 28px; height: 28px; }
.sns-float-btn.is-youtube img { width: 30px; height: 22px; }
.sns-float-btn:hover { transform: translateY(-2px); }

.pill-tel {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  min-height: 44px;
  padding: 10px 15px;
  border: 1px solid var(--line-strong);
  border-radius: 999px;
  font-size: 14.5px;
  font-weight: 700;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
  transition: border-color 0.16s, background-color 0.16s;
}
.pill-tel .ic { font-size: 15px; stroke-width: 1.6; color: var(--accent); }
.pill-tel:hover { border-color: var(--ink); background: #fff; }

.burger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 46px;
  height: 46px;
  padding: 0 11px;
  background: transparent;
  border: 1px solid var(--line-strong);
  border-radius: 10px;
  cursor: pointer;
}
.burger span {
  display: block;
  height: 2px;
  background: var(--ink);
  border-radius: 2px;
  transition: transform 0.2s, opacity 0.2s;
}
.burger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.burger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- 5-b. 탭 바 (헤더 둘째 줄) ----------
   헤더 메뉴가 곧 탭이다. tablist 는 이 하나뿐이라 데스크톱·모바일이 같은 상태를 공유한다.
   헤더가 sticky 라 탭 줄도 늘 따라다니고, 좁은 화면에서는 가로 스크롤 + 양 끝 페이드로 처리한다. */
.tabbar { border-top: 1px solid var(--line); background: transparent; }
.tabbar-inner { position: relative; }

/* 스크롤 끝에 닿지 않았을 때만 그 쪽 페이드를 켠다 (app.js 가 클래스 토글) */
.tabbar-inner::before,
.tabbar-inner::after {
  content: "";
  position: absolute;
  top: 0;
  bottom: 0;
  width: 34px;
  pointer-events: none;
  opacity: 0;
  transition: opacity 0.18s;
  z-index: 2;
}
.tabbar-inner::before { left: 0; background: linear-gradient(90deg, rgba(255, 255, 255, 0.96) 24%, rgba(255, 255, 255, 0)); }
.tabbar-inner::after { right: 0; background: linear-gradient(270deg, rgba(255, 255, 255, 0.96) 24%, rgba(255, 255, 255, 0)); }
.tabbar-inner.can-l::before { opacity: 1; }
.tabbar-inner.can-r::after { opacity: 1; }

.tabs-scroll {
  overflow-x: auto;
  overflow-y: hidden;
  scrollbar-width: none;
  -webkit-overflow-scrolling: touch;
  overscroll-behavior-x: contain;
}
.tabs-scroll::-webkit-scrollbar { display: none; }

.tabs { display: flex; align-items: stretch; gap: 2px; width: max-content; min-width: 100%; }

.tab {
  position: relative;
  flex: none;
  min-height: 50px;
  padding: 13px 15px;
  background: transparent;
  border: 0;
  border-radius: var(--r-sm) var(--r-sm) 0 0;
  font-size: 14.5px;
  font-weight: 600;
  letter-spacing: -0.022em;
  color: var(--ink-2);
  white-space: nowrap;
  cursor: pointer;
  transition: color 0.16s, background-color 0.16s;
}
/* 데스크톱 헤더 메뉴에 있던 액센트 밑줄을 그대로 활성 표시로 쓴다 */
.tab::after {
  content: "";
  position: absolute;
  left: 9px;
  right: 9px;
  bottom: 0;
  height: 2.5px;
  border-radius: 2px 2px 0 0;
  background: var(--accent);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.2s ease;
}
.tab:hover { color: var(--accent-ink); }
.tab:hover::after { transform: scaleX(1); }
.tab[aria-selected="true"] { color: var(--ink); font-weight: 800; }
.tab[aria-selected="true"]::after { transform: scaleX(1); }
.tab:focus-visible { outline-offset: -3px; }

/* 상담 신청 탭은 CTA 성격이라 살짝 강조 */
.hdr .tab { color: #b8c8dc; }
.hdr .tab:hover,
.hdr .tab[aria-selected="true"],
.hdr .tab-cta { color: #fff; }
.hdr .tab::after { background: var(--gold); }
.hdr .tabbar { border-top-color: #1a4470; }
.hdr .tabbar-inner::before { background: linear-gradient(90deg, var(--bg-dark) 30%, transparent); }
.hdr .tabbar-inner::after { background: linear-gradient(270deg, var(--bg-dark) 30%, transparent); }
.hdr .pill-tel { color: #fff; border-color: rgba(255, 255, 255, 0.28); }
.hdr .pill-tel .ic { color: var(--gold); }
.hdr .pill-tel:hover { background: #1a4470; border-color: #fff; }
.hdr .btn-ink { background: #fff; color: var(--bg-dark); }
.hdr .btn-ink:hover { background: #eaeaea; color: var(--bg-dark); }
.hdr .btn-accent { background: var(--gold); color: #163a5c; }
.hdr .btn-accent:hover { background: var(--gold-deep); color: #163a5c; }
.hdr .burger { border-color: rgba(255, 255, 255, 0.28); }
.hdr .burger span { background: #fff; }

.tab-cta { color: var(--accent-ink); }
.tab-cta::before {
  content: "";
  width: 6px;
  height: 6px;
  margin-right: 7px;
  border-radius: 50%;
  background: var(--accent);
  display: inline-block;
  vertical-align: 1px;
  animation: pulse-dot 1.8s ease-in-out infinite;
}

/* ---------- 5-c. 탭 패널 ----------
   js-ready 일 때만 숨긴다 → 스크립트가 아예 없는 환경에서는 전부 읽힌다. */
.js-ready .panel { display: none; }
.js-ready .panel.is-active { display: block; }
.js-ready .panel.is-active.is-entering {
  animation: rise-in 0.48s cubic-bezier(0.22, 0.75, 0.25, 1) both;
}
.panel:focus { outline: none; }
.panel > .band-light:first-child { border-top: 1px solid var(--line); }
.panel-next { margin-top: clamp(28px, 3.4vw, 42px); }

/* ---------- 6. 모바일 드로어 ---------- */
.drawer-scrim {
  position: fixed;
  inset: 0;
  z-index: 90;
  background: rgba(10, 18, 30, 0.5);
  opacity: 0;
  transition: opacity 0.22s;
}
.drawer-scrim.is-open { opacity: 1; }

.drawer {
  position: fixed;
  top: 0;
  right: 0;
  z-index: 100;
  display: flex;
  flex-direction: column;
  width: min(330px, 86vw);
  height: 100%;
  background: #fff;
  box-shadow: var(--sh-3);
  transform: translateX(105%);
  transition: transform 0.26s cubic-bezier(0.22, 0.75, 0.25, 1);
  visibility: hidden;
  overflow-y: auto;
}
.drawer.is-open { transform: translateX(0); visibility: visible; }

.drawer-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 18px 20px;
  border-bottom: 1px solid var(--line);
}
.drawer-title { font-weight: 800; color: var(--ink); letter-spacing: -0.03em; }
.drawer-close {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  background: transparent;
  border: 1px solid var(--line);
  border-radius: 10px;
  color: var(--ink);
  cursor: pointer;
}
.drawer-close .ic { font-size: 20px; }

.drawer-nav { display: flex; flex-direction: column; padding: 8px 12px; }
.drawer-nav a {
  display: block;
  padding: 13px 12px;
  border-radius: var(--r-sm);
  font-size: 16px;
  font-weight: 600;
  color: var(--ink-2);
  border-bottom: 1px solid var(--line);
}
.drawer-nav a:last-child { border-bottom: 0; }
.drawer-nav a:hover { background: var(--bg-tint); color: var(--accent-ink); }
.drawer-nav a[aria-current="true"] {
  background: var(--accent-tint);
  color: var(--accent-ink);
  font-weight: 700;
  box-shadow: inset 3px 0 0 var(--accent);
}

.drawer-foot { display: grid; gap: 8px; margin-top: auto; padding: 16px 20px 24px; border-top: 1px solid var(--line); }

/* ---------- 7. HERO ---------- */
.hero { position: relative; overflow: hidden; padding: clamp(46px, 6vw, 84px) 0 clamp(56px, 7vw, 100px); }
.hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(1000px 520px at 84% -8%, rgba(232, 176, 56, 0.14), transparent 62%),
    radial-gradient(760px 480px at 6% 4%, rgba(232, 176, 56, 0.1), transparent 60%),
    linear-gradient(180deg, #fff9ec 0%, #fff6e0 58%, #fff9ec 100%);
}
.hero-bg::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image: linear-gradient(to right, rgba(0, 0, 0, 0.035) 1px, transparent 1px);
  background-size: 96px 100%;
  mask-image: linear-gradient(180deg, rgba(0, 0, 0, 0.7), transparent 72%);
  -webkit-mask-image: linear-gradient(180deg, rgba(0, 0, 0, 0.7), transparent 72%);
}

/* ---- 히어로 사진 슬롯 (config.js → heroImage) ----
   heroImage 가 비면 app.js 가 이 레이어를 hidden 으로 두고 .hero-bg 만 남는다.
   즉 사진이 없어도 빈 액자가 아니라 원래의 밝은 남색/격자 히어로가 그대로 나온다. */
.hero-photo {
  position: absolute;
  inset: 0;
  background-color: var(--bg-dark);
  background-position: 50% 58%;
  background-size: cover;
  background-repeat: no-repeat;
  transform: scale(1.06);
}
.hero.has-photo:not(.is-compact):not(.has-parallax) .hero-photo {
  animation: hero-drift 22s ease-in-out infinite alternate;
}
.hero.has-parallax .hero-photo,
.hero.has-parallax .hero-media {
  will-change: transform;
  transform-origin: 50% 40%;
}
.hero.has-parallax .hero-media video { transform: scale(1.12); }
.home-break.has-parallax img,
.home-roadmap.has-parallax .rm-photo {
  will-change: transform;
  transform-origin: 50% 40%;
}
/* 흰 글자 대비 보장용 스크림.
   글자가 앉는 왼쪽 절반은 거의 불투명하게 덮고(알파 ≈0.97), 글자가 없는 오른쪽·아래로
   갈수록 열어서 사진이 보이게 한다. 왼쪽이 충분히 어두우므로 밝은 사진을 넣어도
   h1·본문 대비가 AA 아래로 내려가지 않는다. */
.hero-photo::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(97deg, rgba(8, 15, 27, 0.96) 0%, rgba(9, 17, 30, 0.93) 50%, rgba(10, 19, 33, 0.38) 100%),
    linear-gradient(180deg, rgba(8, 15, 27, 0.52) 0%, rgba(8, 15, 27, 0.28) 52%, rgba(8, 15, 27, 0.58) 100%);
}

/* 사진이 있을 때만 히어로 카피를 밝은 색으로 뒤집는다 */
.hero-media {
  position: absolute;
  inset: 0;
  background: var(--bg-dark);
}
.hero-media video {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transform: scale(1.06);
}
.hero.has-video .hero-media video {
  object-position: 78% 36%;
  transform: scale(1.22);
  filter: saturate(0.78) contrast(1.12) brightness(0.92);
}
.hero-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(97deg, rgba(8, 15, 27, 0.96) 0%, rgba(9, 17, 30, 0.93) 50%, rgba(10, 19, 33, 0.38) 100%),
    linear-gradient(180deg, rgba(8, 15, 27, 0.52) 0%, rgba(8, 15, 27, 0.28) 52%, rgba(8, 15, 27, 0.58) 100%);
}
.hero.has-video .hero-media::after {
  background:
    linear-gradient(108deg, rgba(22, 58, 92, 0.93) 0%, rgba(32, 80, 128, 0.74) 48%, rgba(232, 176, 56, 0.28) 100%),
    linear-gradient(180deg, rgba(22, 58, 92, 0.42) 0%, rgba(22, 58, 92, 0.16) 52%, rgba(22, 58, 92, 0.5) 100%);
}
.hero.has-video .hero-bg,
.hero.has-video .hero-photo { display: none; }

.hero.has-photo { background: var(--bg-dark); }
.hero.has-photo .hero-bg { display: none; }
.hero.has-photo .eyebrow { color: #d8d8d8; }
.hero.has-photo .hero-copy h1 { color: #fff; }
.hero.has-photo .hero-copy h1 em { color: #fff; }
.hero.has-video.has-photo .hero-copy h1 em { color: var(--gold); }
.hero.has-photo .hero-lead { color: #ccd7e7; }
.hero.has-photo .hero-trust li { color: #a9b7cd; }
.hero.has-photo .hero-trust li::before { background: #d8d8d8; opacity: 1; }
.hero.has-photo :focus-visible { outline-color: #d8d8d8; }
/* 남색 버튼은 남색 배경에 묻히므로 반대로 뒤집는다 */
.hero.has-photo .btn-ink { background: #fff; color: var(--ink); box-shadow: 0 12px 28px -14px rgba(0, 0, 0, 0.7); }
.hero.has-photo .btn-ink:hover { background: #f1f4f9; }
.hero.has-photo .btn-line { background: rgba(255, 255, 255, 0.04); border-color: rgba(255, 255, 255, 0.34); color: #fff; }
.hero.has-photo .btn-line:hover { background: rgba(255, 255, 255, 0.1); border-color: #fff; }
.hero.has-photo .journey li {
  background: rgba(255, 255, 255, 0.055);
  border-color: rgba(255, 255, 255, 0.15);
  box-shadow: none;
}
.hero.has-photo .journey li + li::before { border-color: rgba(255, 255, 255, 0.34); }
.hero.has-photo .journey .j-step { color: #d8d8d8; }
.hero.has-photo .journey strong { color: #fff; }
.hero.has-photo .journey .j-desc { color: #a3b1c7; }
.hero.has-photo .journey li:last-child { background: rgba(0, 0, 0, 0.2); border-color: rgba(0, 0, 0, 0.35); }

/* ---- 홈이 아닌 탭: 히어로를 얇은 제목 띠로 줄인다 (20260920lx-homepage-hero-slim-v5) ----
   사진 슬롯과 스크림은 그대로 쓰되 높이만 낮춘다. 사진이 없으면 .hero-bg 가 남는다. */
.hero-slim { position: relative; display: none; }
.hero.is-compact { padding: clamp(24px, 3vw, 38px) 0 clamp(24px, 3vw, 36px); }
.hero.is-compact .hero-grid { display: none; }
.hero.is-compact .hero-slim { display: block; }
.hero.is-compact .hero-photo { background-position: 50% 46%; }

.hero-slim-eyebrow {
  margin: 0;
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.02em;
  color: var(--accent-ink);
}
.hero-slim-name {
  margin: 6px 0 0;
  font-size: clamp(24px, 3.2vw, 33px);
  font-weight: 800;
  line-height: 1.22;
  letter-spacing: -0.035em;
  color: var(--ink);
}
.hero.has-photo .hero-slim-eyebrow { color: #d8d8d8; }
.hero.has-photo .hero-slim-name { color: #fff; }

.hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1.5fr) minmax(0, 1fr);
  gap: clamp(30px, 4.4vw, 62px);
  align-items: start;
}
.hero-copy h1 em { font-style: normal; color: var(--accent-ink); }
.hero-lead {
  margin-top: 22px;
  max-width: 44ch;
  font-size: clamp(16px, 1.45vw, 18.5px);
  line-height: 1.82;
}

.journey {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 10px;
  margin: clamp(28px, 3.4vw, 40px) 0 0;
}
.journey li {
  position: relative;
  padding: 16px 16px 18px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  box-shadow: var(--sh-1);
}
.journey li + li::before {
  content: "";
  position: absolute;
  left: -12px;
  top: 50%;
  width: 14px;
  height: 14px;
  margin-top: -7px;
  border-right: 2px solid var(--line-strong);
  border-top: 2px solid var(--line-strong);
  transform: rotate(45deg);
  border-radius: 2px;
}
.journey .j-step {
  display: block;
  font-size: 10.5px;
  font-weight: 800;
  letter-spacing: 0.12em;
  color: var(--accent);
}
.journey strong { display: block; margin-top: 6px; font-size: 17px; color: var(--ink); letter-spacing: -0.03em; }
.journey .j-desc { display: block; margin-top: 5px; font-size: 13px; line-height: 1.6; color: var(--muted); }
.journey li:last-child { border-color: rgba(0, 0, 0, 0.4); background: var(--accent-tint); }

.hero-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: clamp(26px, 3vw, 34px); }

.hero-trust { display: flex; flex-wrap: wrap; gap: 8px 20px; margin-top: 24px; }
.hero-trust li {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 13.5px;
  color: var(--muted);
}
.hero-trust li::before {
  content: "";
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--accent);
  opacity: 0.8;
}

.hero-card {
  position: relative;
  padding: clamp(24px, 2.4vw, 32px);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-3);
}
.hero-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 4px;
  background: linear-gradient(90deg, #111, #888);
  border-radius: var(--r-lg) var(--r-lg) 0 0;
}
.hc-kicker {
  margin: 0 0 10px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent-ink);
}
.hc-title { font-size: clamp(19px, 1.7vw, 23.5px); line-height: 1.34; letter-spacing: -0.032em; }
.hc-list { display: grid; gap: 11px; margin: 20px 0 22px; }
.hc-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14.8px;
  line-height: 1.6;
  color: var(--ink-2);
}
.hc-list .ic { font-size: 17px; margin-top: 3px; color: var(--ok); stroke-width: 2.1; }
.hc-meta { display: grid; gap: 12px; padding: 16px 0 0; border-top: 1px solid var(--line); }
.hc-meta div { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; }
.hc-meta dt { font-size: 13.5px; color: var(--muted); }
.hc-meta dd { font-size: 15.5px; font-weight: 700; color: var(--ink); font-variant-numeric: tabular-nums; }
.hc-meta dd a:hover { color: var(--accent-ink); }
.hc-note { margin: 16px 0 0; font-size: 12.8px; line-height: 1.6; color: var(--muted); }

/* ---------- 8. 카드 그리드 공통 ---------- */
.grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--gap); }
.grid-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--gap); }

.card {
  padding: clamp(22px, 2.2vw, 30px);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  box-shadow: var(--sh-1);
  transition: transform 0.2s ease, box-shadow 0.2s, border-color 0.2s;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--sh-2); border-color: var(--line-strong); }
.card h3 { margin-bottom: 10px; }
.card p { font-size: 15px; line-height: 1.76; }

.need-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: var(--gap);
}
.need-card {
  overflow: hidden;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-1);
}
.need-photo { margin: 0; }
.need-photo img {
  width: 100%;
  aspect-ratio: 16 / 10;
  object-fit: cover;
}
.need-card .need-kicker,
.need-card h3,
.need-card p { padding-left: 22px; padding-right: 22px; }
.need-kicker {
  margin: 18px 0 6px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.08em;
  color: var(--accent-ink);
}
.need-card h3 { margin: 0 0 10px; font-size: clamp(18px, 1.6vw, 21px); }
.need-card p {
  margin: 0 0 12px;
  padding-bottom: 0;
  font-size: 14.8px;
  line-height: 1.75;
}
.need-card p:last-child { padding-bottom: 22px; }

.broker-head {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: clamp(22px, 3vw, 48px);
  align-items: center;
}
.broker-photo { margin: 0; }
.broker-photo img {
  width: 100%;
  border-radius: var(--r-lg);
  border: 1px solid rgba(255, 255, 255, 0.08);
  aspect-ratio: 16 / 10;
  object-fit: cover;
}
.broker-copy h2 { margin-bottom: 14px; }
.kw {
  font-style: normal;
  font-weight: 800;
  color: #e23b2c;
}
.band-dark .kw { color: #ff5a45; }
.broker-note {
  margin: 14px 0 0;
  font-size: 13.6px;
  line-height: 1.7;
  color: #9fadc4;
}
.broker-types {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
  margin: clamp(22px, 3vw, 32px) 0 0;
  padding: 0;
  list-style: none;
}
.broker-types li {
  padding: 16px 18px;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--r);
}
.broker-types strong {
  display: block;
  margin-bottom: 6px;
  font-size: 15px;
  color: #fff;
}
.broker-types span {
  display: block;
  font-size: 13.8px;
  line-height: 1.65;
  color: #9fadc4;
}
.broker-report {
  margin-top: 18px;
  padding: 20px 22px;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--r);
}
.broker-report-title {
  margin: 0 0 8px;
  font-size: 15px;
  font-weight: 800;
  color: #fff;
}
.broker-report p { margin: 0 0 10px; font-size: 14.2px; line-height: 1.7; color: #c3cde0; }
.broker-report ul { display: grid; gap: 6px; }
.broker-report a { color: #f0c2a0; text-decoration: underline; text-underline-offset: 3px; }
.broker-report a:hover { color: #fff; }

.case-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}
.case-card {
  padding: 20px 20px 18px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  box-shadow: var(--sh-1);
}
.case-face {
  width: 64px;
  height: 64px;
  margin-bottom: 12px;
  border-radius: 50%;
  object-fit: cover;
  background: var(--bg-tint);
}
.case-ind {
  display: inline-block;
  margin: 0 0 6px;
  font-size: 12.4px;
  font-weight: 800;
  color: var(--accent-ink);
}
.case-card h3 { margin: 0 0 2px; font-size: 16.5px; }
.case-meta { margin: 0 0 8px; font-size: 13px; color: var(--muted); }
.case-who { margin: 0 0 12px; font-size: 14.2px; line-height: 1.65; color: var(--body); }
.case-tracks { display: grid; gap: 8px; }
.case-tr {
  display: grid;
  gap: 5px;
}
.case-tr b {
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: 0.02em;
  color: var(--muted);
}
.case-tr ul { display: flex; flex-wrap: wrap; gap: 5px; }
.case-tr li {
  padding: 3px 8px;
  border-radius: 999px;
  font-size: 12.2px;
  font-weight: 700;
}
.case-tr-loan li { background: #0a0a0a; color: #fff; }
.case-tr-grant li { background: var(--accent-tint); color: var(--accent-ink); }
.case-tr-cert li { background: var(--bg-tint); color: var(--ink-2); border: 1px solid var(--line-strong); }
.case-more-wrap { display: flex; justify-content: center; margin: 22px 0 8px; }

.hb-years-head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 20px;
  margin-bottom: 22px;
}
.hb-years-head h2 { margin: 0; }
.hb-delta { margin: 0; text-align: right; }
.hb-delta strong { display: block; font-size: clamp(28px, 3vw, 36px); letter-spacing: -0.04em; color: var(--ink); }
.hb-delta span { font-size: 13px; color: var(--muted); }
.hb-years {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 14px;
}
.hb-y {
  padding: 22px 20px 18px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
}
.hb-yr { margin: 0 0 10px; font-size: 14px; color: var(--muted); }
.hb-amt {
  margin: 0 0 8px;
  font-size: clamp(34px, 3.6vw, 46px);
  font-weight: 800;
  letter-spacing: -0.05em;
  line-height: 1;
  color: var(--ink);
}
.hb-amt span { font-size: 0.42em; margin-left: 2px; font-weight: 700; }
.hb-dt { margin: 0; font-size: 13px; color: var(--muted); }
.hb-y-now {
  background: var(--bg-dark);
  border-color: var(--bg-dark);
  color: #fff;
  box-shadow: var(--sh-2);
}
.hb-y-now .hb-yr { color: rgba(255, 255, 255, 0.78); display: flex; align-items: center; gap: 8px; }
.hb-y-now .hb-yr em {
  padding: 2px 7px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.18);
  font-style: normal;
  font-size: 11.5px;
  font-weight: 800;
  color: #fff;
}
.hb-y-now .hb-amt { color: #fff; }
.hb-y-now .hb-dt { color: rgba(255, 255, 255, 0.78); }

.hb-uses { margin-top: 8px; }
.hb-u {
  display: grid;
  grid-template-columns: minmax(180px, 250px) minmax(0, 1fr) 110px;
  align-items: center;
  gap: 22px;
  padding: 18px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}
.hb-u-name { font-size: 15.5px; font-weight: 700; color: #fff; }
.hb-u-name small {
  display: block;
  margin-top: 4px;
  font-size: 12.6px;
  font-weight: 500;
  color: #9fadc4;
}
.hb-u-bar {
  height: 14px;
  background: rgba(255, 255, 255, 0.08);
  border-radius: 999px;
  overflow: hidden;
}
.hb-u-bar span {
  display: block;
  height: 100%;
  background: var(--gold, #fff);
  border-radius: 999px;
}
.hb-u-amt {
  text-align: right;
  font-size: 17px;
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--gold, #fff);
  white-space: nowrap;
}
.hb-src { margin: 16px 0 0; font-size: 13px; color: rgba(255, 255, 255, 0.62); }
.hb-src a { color: var(--gold, #fff); text-decoration: underline; text-underline-offset: 3px; }
.hb-src a:hover { color: #fff; }

.ic-box {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  margin-bottom: 18px;
  border: 1px solid rgba(0, 0, 0, 0.24);
  border-radius: 12px;
  background: var(--accent-tint);
  color: var(--accent-ink);
}
.ic-box .ic { font-size: 23px; stroke-width: 1.6; }

/* ---- 섹션 이미지 띠 (config.js → howImage / bandImage) ----
   값이 비면 app.js 가 figure 자체를 hidden 으로 만든다 → 빈 액자가 남지 않는다. */
.sec-photo {
  margin: clamp(34px, 4.2vw, 56px) 0 0;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-2);
  background: var(--bg-tint);
}
.sec-photo img {
  width: 100%;
  aspect-ratio: 16 / 6;
  object-fit: cover;
  object-position: 50% 50%;
}
/* 사진마다 중요한 부분이 다른 높이에 있어서, 16:6 으로 자를 때 기준점을 따로 준다 */
.sec-photo-how img { object-position: 50% 64%; }   /* 책상 위 서류·안경·커피가 남게 */
.sec-photo-svc img { object-position: 72% 50%; }   /* 계산기·노트 쪽이 남게 */
.sec-photo-band img { object-position: 50% 62%; }  /* 하늘보다 건물 외벽이 남게 */
.sec-photo-band { border-color: rgba(0, 0, 0, 0.22); background: var(--bg-dark); }
.sec-photo + .analyze { margin-top: clamp(30px, 3.6vw, 48px); }
.sec-photo + .note { margin-top: clamp(22px, 2.6vw, 32px); }

/* ---- 설명용 그림 (20260920lx-homepage-imagery-v7) ----
   .sec-photo 는 「사진 띠」라서 잘라내어 채우고(cover), 여기 .sec-figure 는 「다이어그램」이라
   잘리면 안 된다 → 액자 안에 전체가 들어가게 두고 비율은 img 의 width/height 로 잡는다.
   슬롯이 비면 app.js 가 figure 에 hidden 을 걸어 액자째 사라진다. */
.sec-figure {
  margin: clamp(30px, 3.8vw, 48px) 0 0;
  padding: clamp(14px, 1.8vw, 24px);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-1);
}
.sec-figure img { width: 100%; height: auto; border-radius: var(--r-sm); }
.sec-figure figcaption {
  margin-top: 14px;
  padding-top: 12px;
  border-top: 1px solid var(--line);
  font-size: 13px;
  line-height: 1.66;
  color: var(--muted);
}
.sec-figure figcaption strong { color: var(--ink); }
/* 섹션 머리말 바로 아래에 오는 그림 — 위가 아니라 아래로 여백을 준다 */
.sec-figure-lead { margin: 0 0 clamp(30px, 3.8vw, 48px); }
.sec-figure + .note,
.sec-figure + .glance-label { margin-top: clamp(24px, 2.8vw, 34px); }

/* 예시 블록 옆 그림. flex 라서 슬롯이 비면(figure display:none) 글이 저절로 한 단으로 넓어진다 */
.ex-split { display: flex; flex-wrap: wrap; gap: clamp(20px, 2.8vw, 36px); align-items: center; }
.ex-body { flex: 1 1 340px; min-width: 0; }
.ex-fig { flex: 1 1 280px; min-width: 0; max-width: 480px; margin: 0; }
.ex-fig img { width: 100%; height: auto; border-radius: var(--r); }

/* 자주 묻는 질문 — 목록 옆 그림 */
.faq-split { display: flex; flex-wrap: wrap; gap: clamp(22px, 3vw, 44px); align-items: flex-start; }
.faq-split .faq-list { flex: 1 1 420px; }
.faq-fig { flex: 0 1 300px; min-width: 0; margin: 0; }
.faq-fig img { width: 100%; height: auto; border-radius: var(--r-lg); border: 1px solid var(--line); }

/* 예시 블록 */
.example-block {
  margin-top: clamp(28px, 3.4vw, 42px);
  padding: clamp(22px, 2.4vw, 30px);
  border: 1px dashed var(--line-strong);
  border-radius: var(--r);
  background: #fff;
}
.ex-tag {
  display: inline-block;
  margin: 0 0 16px;
  padding: 4px 11px;
  border-radius: 999px;
  background: var(--ink);
  color: #fff;
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.06em;
}
.ex-timeline { display: grid; gap: 10px; }
.ex-timeline li {
  display: flex;
  align-items: baseline;
  gap: 14px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--line);
  font-size: 14.8px;
  color: var(--ink-2);
}
.ex-timeline li:last-child { border-bottom: 0; padding-bottom: 0; }
.home-roadmap {
  position: relative;
  overflow: hidden;
  background: #111;
}
.home-roadmap .rm-photo {
  position: absolute;
  inset: 0;
  background-position: 50% 42%;
  background-size: cover;
  background-repeat: no-repeat;
}
.home-roadmap .rm-photo::after {
  content: "";
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, 0.42);
}
.home-roadmap .wrap { position: relative; z-index: 1; }
.roadmap {
  margin-top: 0;
  padding: clamp(22px, 2.4vw, 30px);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-1);
}
.roadmap h3 { margin: 0 0 8px; font-size: clamp(20px, 2vw, 24px); }
.roadmap > p { margin: 0 0 18px; font-size: 15px; line-height: 1.7; }
.rm-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.rm-table {
  width: 100%;
  min-width: 820px;
  border-collapse: separate;
  border-spacing: 4px;
}
.rm-table th,
.rm-table td {
  padding: 10px 4px;
  text-align: center;
  font-size: 12.4px;
  font-weight: 700;
  border-radius: 8px;
}
.rm-table thead th { color: var(--muted); font-weight: 800; }
.rm-table tbody th {
  width: 92px;
  position: sticky;
  left: 0;
  z-index: 1;
  text-align: left;
  padding-left: 8px;
  color: var(--ink);
  background: var(--bg-tint);
  white-space: nowrap;
}
.rm-table td { color: var(--ink-2); }
.rm-hi { background: #0a0a0a; color: #fff !important; }
.rm-mid { background: var(--accent-tint); color: var(--accent-ink) !important; }
.rm-lo { background: var(--bg-tint); color: var(--muted) !important; }
.rm-legend {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin: 14px 0 0;
  font-size: 13px;
  color: var(--muted);
}
.rm-legend i {
  display: inline-block;
  width: 14px;
  height: 14px;
  margin-right: 6px;
  border-radius: 4px;
  vertical-align: -2px;
}
.rm-prep {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 10px;
  margin: 20px 0 0;
  padding: 0;
  list-style: none;
}
.rm-prep li {
  padding: 14px 14px 16px;
  background: var(--bg-tint);
  border-radius: 12px;
}
.rm-prep strong {
  display: block;
  margin-bottom: 6px;
  font-size: 13px;
  font-weight: 800;
  color: var(--ink);
}
.rm-prep span {
  font-size: 13.8px;
  line-height: 1.5;
  color: var(--muted);
}
.case-who {
  display: -webkit-box;
  -webkit-line-clamp: 3;
  -webkit-box-orient: vertical;
  overflow: hidden;
  margin: 0 0 12px;
  font-size: 14.2px;
  line-height: 1.65;
  color: var(--body);
}
.home-break {
  position: relative;
  margin: 0;
  overflow: hidden;
  background: var(--bg-dark);
}
.home-break img {
  width: 100%;
  height: min(38vw, 320px);
  object-fit: cover;
  filter: brightness(0.42);
}
.home-break figcaption {
  position: absolute;
  left: 50%;
  top: 50%;
  transform: translate(-50%, -50%);
  width: min(920px, calc(100% - 40px));
  text-align: center;
  color: #fff;
}
.home-break span {
  display: block;
  margin-bottom: 8px;
  font-size: 15px;
  color: #c8c8c8;
}
.home-break strong {
  display: block;
  font-size: clamp(22px, 3vw, 34px);
  font-weight: 800;
  letter-spacing: -0.04em;
  line-height: 1.3;
}
#panel-why .sec { padding-block: clamp(48px, 6vw, 84px); }
#panel-why .sec-lead { max-width: 36em; }

@media (max-width: 800px) {
  .rm-prep { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
.roadmap .note { margin-top: 14px; }

.ex-timeline span {
  flex: none;
  min-width: 78px;
  font-size: 12.5px;
  font-weight: 800;
  letter-spacing: -0.01em;
  color: var(--accent-ink);
}
.ex-note { margin: 16px 0 0; font-size: 13px; color: var(--muted); }
.ex-note strong { color: var(--ink); }

/* ---------- 9. HOW ---------- */
.steps {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: clamp(18px, 2.4vw, 30px);
}
.steps li {
  position: relative;
  padding-top: 26px;
  border-top: 2px solid var(--ink);
}
.steps li:nth-child(2) { border-top-color: var(--accent); }
.steps li:nth-child(3) { border-top-color: var(--line-strong); }
.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 34px;
  height: 34px;
  margin-bottom: 14px;
  border-radius: 50%;
  background: var(--ink);
  color: #fff;
  font-size: 14.5px;
  font-weight: 800;
}
.steps li:nth-child(2) .step-num { background: var(--accent); }
.steps li p { margin-top: 10px; font-size: 15px; line-height: 1.78; }

.analyze { margin-top: clamp(40px, 5vw, 64px); }
.sec-head + .analyze-title { margin-top: clamp(8px, 1.4vw, 16px); }
.analyze-title {
  margin-bottom: 20px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--line);
  font-size: 15px;
  letter-spacing: 0.02em;
  color: var(--muted);
  font-weight: 700;
}
.analyze-list { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 14px; }
.analyze-list li {
  padding: 20px 18px;
  background: var(--bg-tint);
  border: 1px solid var(--line);
  border-radius: var(--r);
  transition: background-color 0.18s, border-color 0.18s;
}
.analyze-list li:hover { background: var(--accent-tint); border-color: rgba(0, 0, 0, 0.28); }
.analyze-list .ic { font-size: 22px; color: var(--accent-ink); }
.analyze-list strong { display: block; margin: 12px 0 5px; font-size: 15.5px; color: var(--ink); letter-spacing: -0.02em; }
.analyze-list span { display: block; font-size: 13px; line-height: 1.62; color: var(--muted); }

/* ---- 진행 방식 탭 보강 (20260920lx-homepage-how-depth-v6) ----
   준비물 안내 = 사진 한 칸 + 카드 두 장.
   howPrepImage 가 비면 사진 칸이 빠지고 카드 두 장이 예전처럼 좌우로 선다. */
.how-prep {
  margin-top: clamp(30px, 3.6vw, 48px);
  display: grid;
  grid-template-columns: minmax(0, 0.78fr) minmax(0, 1.22fr);
  gap: var(--gap);
}
.how-prep-cards { display: grid; gap: var(--gap); align-content: start; }
.how-prep:has(.how-prep-photo[hidden]) { display: block; }
.how-prep:has(.how-prep-photo[hidden]) .how-prep-cards { grid-template-columns: repeat(2, minmax(0, 1fr)); }

.how-prep-photo {
  margin: 0;
  height: 100%;
  min-height: 300px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-2);
  background: var(--bg-tint);
}
/* 세로로 길게 잘리므로, 빈 책상이 아니라 서류철·메모지 쪽이 남도록 오른쪽으로 당긴다 */
.how-prep-photo img { width: 100%; height: 100%; object-fit: cover; object-position: 70% 50%; }

.how-prep-lead { margin-bottom: 16px; font-size: 14.5px; color: var(--muted); }

.tick-list { display: grid; gap: 10px; }
.tick-list li {
  position: relative;
  padding-left: 26px;
  font-size: 14.8px;
  line-height: 1.7;
  color: var(--ink-2);
}
.tick-list li::before {
  content: "";
  position: absolute;
  top: 0.52em;
  left: 4px;
  width: 11px;
  height: 6px;
  border-left: 2px solid var(--accent);
  border-bottom: 2px solid var(--accent);
  transform: rotate(-45deg);
}

.dodont { margin-top: clamp(28px, 3.4vw, 44px); }
.dd { padding: clamp(22px, 2.2vw, 30px); border: 1px solid var(--line); border-radius: var(--r); background: #fff; }
.dd h3 { margin-bottom: 14px; padding-bottom: 12px; border-bottom: 1px solid var(--line); }
.dd ul { display: grid; gap: 10px; }
.dd li { position: relative; padding-left: 26px; font-size: 14.8px; line-height: 1.7; color: var(--ink-2); }
.dd-yes { border-top: 3px solid var(--accent); }
.dd-yes li::before {
  content: "";
  position: absolute;
  top: 0.52em;
  left: 4px;
  width: 11px;
  height: 6px;
  border-left: 2px solid var(--accent);
  border-bottom: 2px solid var(--accent);
  transform: rotate(-45deg);
}
.dd-no { border-top: 3px solid var(--line-strong); background: var(--bg-tint); }
.dd-no li::before,
.dd-no li::after {
  content: "";
  position: absolute;
  top: 0.68em;
  left: 5px;
  width: 12px;
  height: 2px;
  background: var(--muted);
}
.dd-no li::before { transform: rotate(45deg); }
.dd-no li::after { transform: rotate(-45deg); }

/* .analyze 밖에서 소제목으로 쓸 때의 위 여백 */
.dodont + .analyze-title { margin-top: clamp(30px, 3.6vw, 48px); }

.how-blockers { margin-top: 20px; }
.how-blockers .card { box-shadow: none; background: var(--bg-tint); }

.how-cta { display: flex; flex-wrap: wrap; gap: 10px; margin-top: clamp(26px, 3vw, 38px); }

/* ---------- 10. SERVICES ---------- */
.svc-card {
  position: relative;
  display: flex;
  flex-direction: column;
  padding: clamp(24px, 2.4vw, 32px);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-1);
  transition: transform 0.2s ease, box-shadow 0.2s, border-color 0.2s;
}
.svc-card:hover { transform: translateY(-4px); box-shadow: var(--sh-3); border-color: rgba(0, 0, 0, 0.35); }
.svc-tag {
  position: absolute;
  top: 22px;
  right: 24px;
  font-family: var(--mono);
  font-size: 12px;
  letter-spacing: 0.08em;
  color: var(--line-strong);
}
.svc-card h3 { display: flex; flex-wrap: wrap; align-items: baseline; gap: 8px; margin-bottom: 10px; font-size: clamp(19px, 1.8vw, 22px); }
.svc-card h3 span { font-size: 12.5px; font-weight: 700; color: var(--accent-ink); letter-spacing: 0.02em; }
.svc-card p { font-size: 15px; line-height: 1.76; }
.svc-more {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  margin-top: 20px;
  padding-top: 16px;
  border-top: 1px solid var(--line);
  font-size: 14.2px;
  font-weight: 700;
  color: var(--ink);
}
.svc-more .ic { font-size: 16px; transition: transform 0.18s ease; }
.svc-card:hover .svc-more { color: var(--accent-ink); }
.svc-card:hover .svc-more .ic { transform: translateX(4px); }

/* ---- 서비스 비교 패널 (20260920lx-homepage-svc-diff-pop-v10) ---- */
.svc-diff-panel {
  margin-top: clamp(36px, 4.2vw, 56px);
  padding: clamp(26px, 3vw, 40px);
  border-radius: var(--r-lg);
  background: var(--bg-dark);
  color: #c3cde0;
  box-shadow: var(--sh-3);
}
.svc-diff-eyebrow {
  margin: 0 0 8px;
  font-family: var(--mono);
  font-size: 12px;
  letter-spacing: 0.08em;
  color: #bdbdbd;
}
.svc-diff-title {
  margin: 0 0 8px;
  color: #fff;
  font-size: clamp(24px, 2.6vw, 32px);
  letter-spacing: -0.03em;
}
.svc-diff-lead {
  margin: 0 0 clamp(22px, 2.6vw, 30px);
  color: #9fadc4;
  font-size: 15.5px;
  line-height: 1.7;
}
.svc-diff { margin-top: 0; }
.svc-diff-card {
  padding: clamp(20px, 2vw, 26px);
  border-radius: var(--r);
  background: var(--bg-dark-2);
  border-top: 3px solid #7d8da3;
}
.svc-diff-card:nth-child(1) { border-top-color: #fff; }
.svc-diff-card:nth-child(2) { border-top-color: var(--accent); }
.svc-diff-card:nth-child(3) { border-top-color: #bdbdbd; }
.svc-diff-card h3 { margin: 0 0 14px; color: #fff; font-size: 20px; }
.svc-diff-card p { margin: 0; font-size: 14.4px; line-height: 1.7; color: #c3cde0; }
.svc-diff-card .tick-list li { color: #d5dce8; }
.svc-diff-card .tick-list li::before { border-color: #bdbdbd; }
.svc-kicker {
  display: inline-block;
  margin: 0 0 12px;
  padding: 5px 12px;
  border-radius: 999px;
  background: #fff;
  color: var(--ink);
  font-size: 12.5px;
  font-weight: 800;
  letter-spacing: 0.04em;
}
.svc-diff-card:nth-child(2) .svc-kicker { background: var(--accent); color: #fff; }
.svc-diff-card:nth-child(3) .svc-kicker { background: #5a6b81; color: #fff; }
.svc-prep { margin-top: clamp(30px, 3.6vw, 48px); }
.svc-prep .how-prep-photo img { object-position: 50% 48%; }
.how-blockers + .sec-photo { margin-top: clamp(28px, 3.4vw, 44px); }

/* ---------- 11. WINDOWS ---------- */
.win-groups { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--gap); align-items: start; }
.win-group {
  padding: clamp(22px, 2.2vw, 28px);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  box-shadow: var(--sh-1);
}
.win-kicker {
  display: inline-block;
  margin: 0 0 12px;
  padding: 4px 11px;
  border-radius: 999px;
  background: var(--ink);
  color: #fff;
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: 0.04em;
}
.win-group:nth-child(2) .win-kicker { background: var(--accent); }
.win-group:nth-child(3) .win-kicker { background: #5a6b81; }
.win-lead { margin: 8px 0 18px; font-size: 14.2px; color: var(--muted); }
.win-group ul { display: grid; gap: 12px; }
.win-group ul li {
  padding: 14px 16px;
  background: var(--bg-tint);
  border-radius: var(--r-sm);
  border: 1px solid transparent;
  transition: border-color 0.18s, background-color 0.18s;
}
.win-group ul li:hover { background: #fff; border-color: var(--line-strong); }
.win-group ul strong { display: block; font-size: 15.5px; color: var(--ink); letter-spacing: -0.02em; }
.win-group ul span { display: block; margin-top: 4px; font-size: 13.4px; line-height: 1.66; color: var(--body); }

/* ---- 정책자금 직접/간접 설명 (20260920lx-homepage-loan-vs-v28) ---- */
.loan-vs {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto minmax(0, 1fr);
  gap: clamp(20px, 2.6vw, 36px);
  align-items: start;
  margin: 0 0 clamp(40px, 4.6vw, 64px);
}
.loan-vs-col {
  min-width: 0;
  padding: 4px 0 2px;
}
.loan-vs-col h3 {
  margin: 0 0 8px;
  font-size: clamp(36px, 4.6vw, 48px);
  font-weight: 800;
  letter-spacing: -0.05em;
  line-height: 1.1;
  color: #0a0a0a;
}
.loan-vs-col-in h3 { color: #5a6b81; }
.loan-vs-line {
  margin: 0 0 6px;
  font-size: clamp(18px, 2vw, 22px);
  font-weight: 700;
  letter-spacing: -0.03em;
  color: var(--ink);
}
.loan-vs-col > p:last-child {
  margin: 0;
  font-size: 14.8px;
  line-height: 1.6;
  color: var(--muted);
}
.loan-vs-mark {
  display: block;
  width: 1px;
  height: 72px;
  margin-top: 10px;
  background: var(--line-strong);
}
.loan-kind {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 22px;
  margin: 0 0 clamp(40px, 4.6vw, 64px);
}
.loan-kind-body { padding: 0; }
.loan-kind .org-tags {
  position: static;
  top: auto;
  left: auto;
  margin: 0 0 12px;
}
.loan-kind-name {
  margin: 0 0 6px;
  font-size: clamp(20px, 2.2vw, 24px);
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.2;
}
.loan-kind-name-direct { color: #0a0a0a; }
.loan-kind-name-indirect { color: #5a6b81; }
.loan-kind-sub {
  margin: 0 0 14px;
  font-size: clamp(18px, 2vw, 22px);
  font-weight: 700;
  letter-spacing: -0.03em;
  line-height: 1.4;
  color: var(--ink);
}
.loan-kind-body > p:not(.loan-kind-sub) {
  margin: 0;
  font-size: 15.2px;
  line-height: 1.78;
  color: var(--ink-2);
}
.loan-kind .tick-list { margin: 0; }

.loan-rail {
  --rail: var(--line-strong);
  --dot: var(--ink);
  --key: #eef2f8;
  position: relative;
  display: grid;
  gap: 0;
  margin: 0;
  padding: 8px 6px 4px;
  list-style: none;
}
.loan-rail-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.loan-rail-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.loan-rail::before {
  content: "";
  position: absolute;
  top: 26px;
  left: calc(12.5% + 8px);
  right: calc(12.5% + 8px);
  height: 1px;
  background: var(--rail);
  pointer-events: none;
}
.loan-rail-3::before {
  left: calc(16.66% + 8px);
  right: calc(16.66% + 8px);
}
.loan-rail li {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 0 14px 6px;
}
.loan-rail-num {
  display: grid;
  place-items: center;
  width: 36px;
  height: 36px;
  margin-bottom: 14px;
  border-radius: 50%;
  background: var(--dot);
  color: #fff;
  font-size: 13.5px;
  font-weight: 800;
  letter-spacing: -0.04em;
  box-shadow: 0 0 0 7px var(--bg);
}
.loan-rail strong {
  display: block;
  margin: 0 0 6px;
  font-size: 17px;
  letter-spacing: -0.03em;
  color: var(--ink);
}
.loan-rail li > span:last-child {
  max-width: 16em;
  font-size: 13.2px;
  line-height: 1.55;
  color: var(--muted);
}
.loan-rail li.is-key strong { color: var(--ink); }
.loan-rail-direct { --dot: #0a0a0a; --rail: #cfd7e2; }
.loan-rail-direct .is-key .loan-rail-num { box-shadow: 0 0 0 7px var(--bg), 0 0 0 9px #0a0a0a; }
.loan-rail-guarantee { --dot: #555555; --rail: #d8d8d8; --key: #f3f3f3; }
.loan-rail-agency { --dot: #888888; --rail: #d8d8d8; --key: #f3f3f3; }

.loan-rails {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}
.loan-rail-block {
  padding: 20px 16px 16px;
  background: #fff;
  border: 1px solid var(--line);
  border-top-width: 2px;
  border-radius: var(--r-lg);
  box-shadow: var(--sh-1);
}
.loan-rail-block:has(.loan-rail-guarantee) { border-top-color: #111111; }
.loan-rail-block:has(.loan-rail-agency) { border-top-color: #888888; }
.loan-rail-block .loan-rail { padding-top: 4px; }
.loan-rail-block .loan-rail-num { box-shadow: 0 0 0 7px #fff; }
.loan-rail-block .is-key .loan-rail-num { box-shadow: 0 0 0 7px #fff, 0 0 0 9px var(--dot); }
.loan-rail-note {
  margin: 14px 8px 2px;
  font-size: 13.2px;
  line-height: 1.65;
  color: var(--muted);
}

.loan-kind > .loan-rail {
  padding: 22px 10px 18px;
  background: #fff;
  border: 1px solid var(--line);
  border-top: 2px solid #0a0a0a;
  border-radius: var(--r-lg);
  box-shadow: var(--sh-1);
}
.loan-kind > .loan-rail .loan-rail-num { box-shadow: 0 0 0 7px #fff; }
.loan-kind > .loan-rail .is-key .loan-rail-num { box-shadow: 0 0 0 7px #fff, 0 0 0 9px #0a0a0a; }
.sec-head-sub {
  margin-top: clamp(20px, 3vw, 36px);
  margin-bottom: clamp(18px, 2.4vw, 28px);
}
.sec-head-sub h2 { font-size: clamp(22px, 2.6vw, 30px); }

/* ---- 기관 안내 카드 (공식 사이트 로고 · 대출방식 칩) 20260920lx-homepage-org-loan-tags-v20 ---- */
.org-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: var(--gap);
  margin: 0 0 clamp(28px, 3.4vw, 40px);
}
.org-card {
  position: relative;
  padding: clamp(22px, 2.2vw, 28px) clamp(22px, 2.2vw, 28px) 22px 84px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  box-shadow: var(--sh-1);
}
.org-mark {
  position: absolute;
  top: 22px;
  left: 22px;
  display: grid;
  place-items: center;
  width: 46px;
  height: 46px;
  border-radius: 14px;
  background: var(--bg-tint);
  color: var(--ink);
  font-size: 17px;
  font-weight: 800;
  letter-spacing: -0.04em;
}
.org-kind { display: none; }
.org-tags {
  position: absolute;
  top: 68px;
  left: 22px;
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin: 0;
}
.org-tag {
  display: inline-flex;
  align-items: center;
  padding: 4px 10px;
  border-radius: 999px;
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1.2;
  color: #fff;
}
.org-tag-direct { background: #0a0a0a; }
.org-tag-guarantee { background: #111111; }
.org-tag-agency { background: #888888; }
.org-tag-indirect { background: #5a6b81; }
.org-tag-voucher { background: #111111; }
.org-card h3 { margin: 0 0 12px; font-size: 18.5px; }
.org-card h3 span { display: inline-block; margin-left: 6px; font-size: 13px; font-weight: 700; color: var(--accent-ink); }
.org-card p { margin: 0 0 8px; font-size: 14.6px; line-height: 1.7; color: var(--ink-2); }
.org-card p strong { display: block; margin-bottom: 2px; font-size: 12.5px; color: var(--muted); letter-spacing: 0.02em; }
.org-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 10px;
  font-size: 13.6px;
  font-weight: 700;
  color: var(--ink);
  text-decoration: underline;
  text-underline-offset: 3px;
}
.org-link:hover { color: var(--accent-ink); }
.org-link::after { content: "↗"; font-size: 12px; }
.org-card-logo { padding-top: 108px; padding-left: clamp(22px, 2.2vw, 28px); }
.org-logo-wrap {
  position: absolute;
  top: 18px;
  left: 22px;
  display: flex;
  align-items: center;
  height: 52px;
  max-width: min(78%, 320px);
}
.org-logo-wrap.is-dark { background: #fff; padding: 0; }
.org-logo-wrap img { height: 32px; width: auto; max-width: 100%; object-fit: contain; }

/* ---- 창구 탭 보강 (20260920lx-homepage-win-depth-v12) ---- */
.win-flow-panel { margin-top: clamp(36px, 4.2vw, 56px); }
.win-flow {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: var(--gap);
  margin: 0;
  padding: 0;
  list-style: none;
}
.win-flow .svc-diff-card:nth-child(1) { border-top-color: #fff; }
.win-flow .svc-diff-card:nth-child(2) { border-top-color: var(--accent); }
.win-flow .svc-diff-card:nth-child(3) { border-top-color: #bdbdbd; }
.win-flow .svc-diff-card:nth-child(4) { border-top-color: #7d8da3; }
.win-flow .svc-kicker {
  min-width: 28px;
  text-align: center;
  font-family: var(--mono);
}
.win-prep { margin-top: clamp(30px, 3.6vw, 48px); }
.win-prep .how-prep-photo img { object-position: 28% 50%; }

.glance-label {
  margin: clamp(34px, 4vw, 48px) 0 14px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--muted);
}
.glance-row { display: flex; flex-wrap: wrap; gap: 9px; }
.glance-row li {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 9px 16px;
  border: 1px solid var(--line-strong);
  border-radius: 999px;
  background: #fff;
  font-size: 14px;
  font-weight: 700;
  color: var(--ink);
}
.glance-row strong { font-weight: 500; color: var(--muted); }
.glance-row strong::after { content: "→"; margin-left: 8px; color: var(--accent); }

/* ---------- 12. CALCULATOR ---------- */
.calc {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: clamp(22px, 3vw, 44px);
  padding: clamp(24px, 3vw, 40px);
  background: var(--bg-dark-2);
  border: 1px solid rgba(255, 255, 255, 0.09);
  border-radius: var(--r-lg);
}
.calc-controls { display: grid; gap: clamp(18px, 2.2vw, 26px); align-content: start; }
.ctrl { display: grid; grid-template-columns: 1fr auto; align-items: baseline; gap: 6px 12px; }
.ctrl label { font-size: 14px; font-weight: 600; color: #a9b7cd; }
.ctrl-out {
  font-size: 19px;
  font-weight: 800;
  color: #fff;
  letter-spacing: -0.02em;
  font-variant-numeric: tabular-nums;
}
.ctrl input[type="range"] {
  grid-column: 1 / -1;
  width: 100%;
  height: 44px;
  margin: 0;
  background: transparent;
  -webkit-appearance: none;
  appearance: none;
  cursor: pointer;
}
.ctrl input[type="range"]::-webkit-slider-runnable-track {
  height: 5px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.16);
}
.ctrl input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  margin-top: -8.5px;
  border-radius: 50%;
  background: #fff;
  border: 5px solid var(--accent);
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.35);
}
.ctrl input[type="range"]::-moz-range-track { height: 5px; border-radius: 999px; background: rgba(255, 255, 255, 0.16); }
.ctrl input[type="range"]::-moz-range-thumb {
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: #fff;
  border: 5px solid var(--accent);
}
.ctrl-hint { grid-column: 1 / -1; margin: -6px 0 0; font-size: 12.5px; color: #7f8da4; }

.calc-result {
  padding: clamp(20px, 2.4vw, 28px);
  background: rgba(0, 0, 0, 0.24);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--r);
}
.cr-row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.cr-label { display: block; font-size: 12.8px; color: #93a2ba; }
.cr-num {
  display: block;
  margin-top: 6px;
  font-size: clamp(22px, 2.4vw, 30px);
  font-weight: 800;
  color: #fff;
  letter-spacing: -0.03em;
  font-variant-numeric: tabular-nums;
}
.cr-good { color: #7fd6b2; }
.cr-bars { display: grid; gap: 8px; margin: 20px 0; }
.cr-bar { height: 10px; border-radius: 999px; background: rgba(255, 255, 255, 0.1); overflow: hidden; }
.cr-bar span {
  display: block;
  height: 100%;
  border-radius: 999px;
  background: linear-gradient(90deg, #111, #888);
  transition: width 0.28s ease;
}
.cr-bar-good span { background: linear-gradient(90deg, #1f7a5c, #7fd6b2); }
.cr-diff {
  display: flex;
  flex-wrap: wrap;
  align-items: baseline;
  gap: 6px 12px;
  padding: 16px 0 0;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}
.cr-diff > span:first-child { font-size: 13.5px; color: #93a2ba; }
.cr-diff strong {
  font-size: clamp(20px, 2vw, 26px);
  font-weight: 800;
  color: #d8d8d8;
  letter-spacing: -0.03em;
  font-variant-numeric: tabular-nums;
}
.cr-month { font-size: 13.5px; color: #93a2ba; }
.cr-month b { color: #fff; font-variant-numeric: tabular-nums; }
.calc-note { margin: 18px 0 0; font-size: 12.8px; line-height: 1.7; color: #8493aa; }
.calc-note strong { color: #fff; }

/* ---------- 13. GRANTS ---------- */
.vs {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto minmax(0, 1fr);
  align-items: center;
  gap: clamp(14px, 2vw, 26px);
}
.vs-col {
  padding: clamp(22px, 2.2vw, 30px);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  box-shadow: var(--sh-1);
}
.vs-accent { border-color: rgba(0, 0, 0, 0.32); background: var(--accent-tint); }
.vs-tag { margin: 0 0 8px; font-size: 12px; font-weight: 800; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); }
.vs-accent .vs-tag { color: var(--accent-ink); }
.vs-col ul { display: grid; gap: 9px; margin-top: 16px; }
.vs-col ul li {
  position: relative;
  padding-left: 17px;
  font-size: 14.8px;
  line-height: 1.7;
}
.vs-col ul li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 11px;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--line-strong);
}
.vs-accent ul li::before { background: var(--accent); }
.vs-mark {
  font-family: var(--mono);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.06em;
  color: var(--muted);
}

.official { margin-top: clamp(24px, 3vw, 36px); }
.off-card {
  display: block;
  padding: clamp(22px, 2.2vw, 28px);
  border: 1px solid var(--line);
  border-radius: var(--r);
  background: #fff;
  box-shadow: var(--sh-1);
  transition: transform 0.2s ease, box-shadow 0.2s, border-color 0.2s;
}
.off-card:hover { transform: translateY(-3px); box-shadow: var(--sh-2); border-color: var(--ink); }
.off-kicker { display: block; margin-bottom: 8px; font-size: 11.5px; font-weight: 800; letter-spacing: 0.12em; text-transform: uppercase; color: var(--accent-ink); }
.off-card h3 { display: flex; align-items: center; gap: 8px; margin-bottom: 8px; }
.off-card h3 .ic { font-size: 17px; color: var(--muted); }
.off-card p { font-size: 14.8px; }
.off-url { display: inline-block; margin-top: 12px; font-family: var(--mono); font-size: 13px; color: var(--accent-ink); }

.grant-facts { margin-top: var(--gap); }
.grant-facts .card { box-shadow: none; background: var(--bg-tint); }
.grant-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: var(--gap);
  margin: 0 0 clamp(28px, 3.4vw, 40px);
}
.grant-card {
  padding: clamp(20px, 2vw, 26px);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  box-shadow: var(--sh-1);
}
.grant-card .org-tags {
  position: static;
  top: auto;
  left: auto;
  margin: 0 0 10px;
}
.grant-card h3 {
  margin: 0 0 12px;
  font-size: 18.5px;
  letter-spacing: -0.03em;
}
.grant-card p { margin: 0 0 8px; font-size: 14.6px; line-height: 1.7; color: var(--ink-2); }
.grant-card p strong {
  display: block;
  margin-bottom: 2px;
  font-size: 12.5px;
  color: var(--muted);
  letter-spacing: 0.02em;
}
.grant-card p:last-child { margin-bottom: 0; }

.grant-bundle {
  margin: 0 0 clamp(22px, 2.6vw, 32px);
  padding: 0 0 8px;
  overflow: hidden;
  background: #fff;
  border: 1px solid var(--line);
  border-top: 2px solid #0a0a0a;
  border-radius: var(--r-lg);
  box-shadow: var(--sh-1);
}
.grant-bundle-photo {
  margin: 0;
  aspect-ratio: 16 / 6;
  overflow: hidden;
  background: var(--bg-tint);
}
.grant-bundle-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.grant-bundle header,
.grant-bundle .grant-rows {
  padding-left: clamp(20px, 2vw, 28px);
  padding-right: clamp(20px, 2vw, 28px);
}
.grant-bundle header { padding-top: clamp(18px, 2vw, 24px); }
.grant-bundle-voucher { border-top-color: #111111; }
.grant-bundle header { margin: 0 0 8px; }
.grant-bundle-kicker {
  margin: 0 0 6px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.1em;
  color: var(--accent-ink);
}
.grant-bundle header h3 {
  margin: 0 0 6px;
  font-size: clamp(20px, 2.2vw, 24px);
  letter-spacing: -0.03em;
}
.grant-bundle header p {
  margin: 0;
  font-size: 14.6px;
  line-height: 1.65;
  color: var(--muted);
}
.grant-rows { margin: 0; padding: 0; list-style: none; }
.grant-rows li {
  display: grid;
  grid-template-columns: minmax(7.5em, 0.28fr) minmax(0, 1fr) minmax(10em, 0.34fr);
  gap: 12px 20px;
  align-items: baseline;
  padding: 16px 0;
  border-top: 1px solid var(--line);
}
.grant-rows li:first-child { margin-top: 10px; }
.grant-rows strong {
  font-size: 15.5px;
  letter-spacing: -0.02em;
  color: var(--ink);
}
.grant-rows span {
  font-size: 14.4px;
  line-height: 1.65;
  color: var(--ink-2);
}
.grant-rows em {
  font-style: normal;
  font-size: 12.8px;
  line-height: 1.5;
  color: var(--muted);
}

/* ---------- 14. CERTS ---------- */
.cert-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; }
.cert {
  padding: clamp(20px, 2vw, 26px);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  transition: border-color 0.18s, transform 0.18s ease;
}
.cert:hover { border-color: rgba(0, 0, 0, 0.4); transform: translateY(-2px); }
.cert h3 { margin-bottom: 8px; font-size: 17px; }
.cert p { font-size: 14.4px; line-height: 1.72; }

.cert-bundle .cert-rows {
  padding-left: clamp(20px, 2vw, 28px);
  padding-right: clamp(20px, 2vw, 28px);
  padding-bottom: 8px;
}
.cert-rows { margin: 0; padding: 0; list-style: none; }
.cert-rows li {
  display: grid;
  grid-template-columns: 112px minmax(0, 1fr) minmax(9.5em, 0.3fr);
  gap: 14px 18px;
  align-items: center;
  padding: 16px 0;
  border-top: 1px solid var(--line);
}
.cert-rows li:first-child { margin-top: 10px; }
.cert-mark {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 112px;
  height: 76px;
  padding: 8px 10px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 10px;
}
.cert-mark img {
  max-width: 100%;
  max-height: 60px;
  width: auto;
  height: auto;
  object-fit: contain;
}
.cert-mark-empty {
  color: var(--muted);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.04em;
}
.cert-copy { min-width: 0; }
.cert-copy strong {
  display: block;
  margin-bottom: 4px;
  font-size: 15.5px;
  letter-spacing: -0.02em;
  color: var(--ink);
}
.cert-copy span {
  display: block;
  font-size: 14.4px;
  line-height: 1.65;
  color: var(--ink-2);
}
.cert-rows em {
  font-style: normal;
  font-size: 12.8px;
  line-height: 1.5;
  color: var(--muted);
}

.benefit-strip {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 12px 18px;
  margin-top: clamp(24px, 3vw, 34px);
  padding: 20px clamp(18px, 2vw, 26px);
  background: var(--ink);
  border-radius: var(--r);
  color: #fff;
}
.bs-title { margin: 0; font-size: 13px; font-weight: 800; letter-spacing: 0.1em; color: #bdbdbd; text-transform: uppercase; }
.benefit-strip ul { display: flex; flex-wrap: wrap; gap: 8px; }
.benefit-strip ul li {
  padding: 7px 14px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 999px;
  font-size: 14px;
  font-weight: 600;
}

/* ---------- 15. SELF CHECK ---------- */
.check-wrap {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(0, 1fr);
  gap: clamp(20px, 2.6vw, 34px);
  align-items: start;
}
.check-form {
  padding: clamp(22px, 2.4vw, 30px);
  background: var(--bg-tint);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
}
.check-form fieldset { margin: 0; padding: 0; border: 0; }
.check-form fieldset + fieldset {
  margin-top: 20px;
  padding-top: 18px;
  border-top: 1px solid var(--line);
}
.check-form legend {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 0;
  margin-bottom: 14px;
  font-size: 15px;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--ink);
}
.leg-ico {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  height: 28px;
  border-radius: 8px;
  background: var(--ink);
  color: #fff;
}
.leg-ico .ic { font-size: 15px; stroke-width: 1.85; }
.check-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }
.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}
.ask {
  margin: 0 0 10px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  overflow: hidden;
}
.ask[open] { border-color: var(--line-strong); box-shadow: var(--sh-1); }
.ask:has(:checked) { border-color: rgba(0, 0, 0, 0.35); }
.ask-head {
  display: grid;
  grid-template-columns: 40px minmax(0, 1fr) 14px;
  align-items: center;
  column-gap: 12px;
  padding: 12px 14px 12px 12px;
  cursor: pointer;
  list-style: none;
}
.ask-head::-webkit-details-marker { display: none; }
.ask-head::after {
  content: "";
  width: 9px;
  height: 9px;
  border-right: 2px solid var(--accent);
  border-bottom: 2px solid var(--accent);
  transform: rotate(45deg) translateY(-2px);
  transition: transform 0.2s ease;
}
.ask[open] .ask-head::after { transform: rotate(225deg) translateY(-2px); }
.ask-ico {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border: 1px solid rgba(0, 0, 0, 0.22);
  border-radius: 10px;
  background: var(--accent-tint);
  color: var(--accent-ink);
}
.ask-ico .ic { font-size: 20px; stroke-width: 1.65; }
.ask-copy { display: grid; gap: 2px; min-width: 0; }
.ask-q {
  margin: 0;
  font-size: 14.8px;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--ink);
}
.ask-picked {
  font-size: 13px;
  font-weight: 700;
  color: var(--accent-ink);
}
.ask-body { padding: 0 14px 14px 64px; }
.ask-checks .ask-body { padding-left: 14px; }
.ask-hint {
  margin: 6px 0 0;
  font-size: 12.6px;
  line-height: 1.5;
  color: var(--muted);
}
.check-need {
  margin: 16px 0 0;
  font-size: 13.6px;
  font-weight: 700;
  color: #c0392b;
}
.cr-caution {
  margin: 16px 0 0;
  padding: 12px 14px;
  background: #fff6ef;
  border: 1px solid rgba(0, 0, 0, 0.28);
  border-radius: var(--r-sm);
  font-size: 13.6px;
  line-height: 1.65;
  color: var(--accent-ink);
}
@media (min-width: 901px) {
  .check-result { position: sticky; top: 108px; }
}

.chk {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  min-height: 46px;
  padding: 11px 14px;
  background: #fff;
  border: 1px solid var(--line-strong);
  border-radius: var(--r-sm);
  font-size: 14.6px;
  line-height: 1.5;
  color: var(--ink-2);
  cursor: pointer;
  transition: border-color 0.16s, background-color 0.16s, box-shadow 0.16s;
}
.chk:hover { border-color: var(--ink); }
.chk input { flex: none; width: 19px; height: 19px; margin: 1px 0 0; accent-color: var(--accent); cursor: pointer; }
.chk-ico {
  flex: none;
  font-size: 18px;
  margin-top: 1px;
  color: var(--accent-ink);
  stroke-width: 1.7;
}
.chk:has(input:checked) { border-color: var(--accent); background: var(--accent-tint); box-shadow: inset 0 0 0 1px rgba(0, 0, 0, 0.2); }
.chk:has(input:focus-visible) { outline: 2.5px solid var(--accent); outline-offset: 2px; }

.check-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 20px; }

.check-result {
  padding: clamp(22px, 2.4vw, 30px);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-2);
}
.cr-empty { display: grid; gap: 16px; }
.cr-empty p { margin: 0; font-size: 14.5px; line-height: 1.65; color: var(--muted); }
.cr-empty strong { color: var(--ink); }
.cr-tracks {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 8px;
}
.cr-track {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  padding: 14px 6px 12px;
  background: var(--bg-tint);
  border: 1px solid var(--line);
  border-radius: var(--r);
  text-align: center;
  font-size: 12.4px;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--ink-2);
}
.cr-track .ic-box { margin: 0; width: 40px; height: 40px; }
.cr-track-loan .ic-box { background: #0a0a0a; border-color: #0a0a0a; color: #fff; }
.cr-track-grant .ic-box { background: var(--accent-tint); border-color: rgba(0, 0, 0, 0.28); color: var(--accent-ink); }
.cr-track-cert .ic-box { background: #fff; border-color: var(--line-strong); color: var(--ink-2); }
.cr-group + .cr-group { margin-top: 22px; }
.cr-group h3 {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 11px;
  font-size: 15px;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--ink);
}
.cr-hico {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  height: 28px;
  border-radius: 8px;
}
.cr-hico .ic { font-size: 15px; stroke-width: 1.85; }
.cr-group-loan .cr-hico { background: #0a0a0a; color: #fff; }
.cr-group-grant .cr-hico { background: var(--accent-tint); color: var(--accent-ink); border: 1px solid rgba(0, 0, 0, 0.24); }
.cr-group-cert .cr-hico { background: var(--bg-tint); color: var(--ink-2); border: 1px solid var(--line-strong); }
.chip-list { display: flex; flex-wrap: wrap; gap: 7px; }
.chip-list li {
  padding: 7px 13px;
  border-radius: 999px;
  background: var(--accent-tint);
  border: 1px solid rgba(0, 0, 0, 0.28);
  font-size: 14px;
  font-weight: 700;
  color: var(--accent-ink);
}
.chip-list li.chip-loan { background: #0a0a0a; border-color: #0a0a0a; color: #fff; }
.chip-list li.chip-grant { background: var(--accent-tint); border-color: rgba(0, 0, 0, 0.28); color: var(--accent-ink); }
.chip-list li.chip-cert,
.chip-list li.chip-quiet { background: var(--bg-tint); border-color: var(--line-strong); color: var(--ink-2); }
.cr-hint { margin: 18px 0 20px; font-size: 13.6px; line-height: 1.7; color: var(--muted); }

/* ---------- 16. CEO ---------- */
.ceo-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(0, 0.85fr);
  gap: clamp(28px, 5vw, 72px);
  align-items: center;
}
.ceo-grid:has(.ceo-photo[hidden]) { grid-template-columns: minmax(0, 1fr); }
.ceo-grid:has(.ceo-photo[hidden]) .ceo-copy { max-width: 760px; }
.ceo-kicker {
  margin: 0 0 18px;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.16em;
  color: #bdbdbd;
}
.ceo-copy blockquote {
  margin: 0 0 22px;
  padding: 0;
  border: 0;
}
.ceo-copy blockquote p {
  margin: 0;
  font-size: clamp(26px, 3.2vw, 40px);
  font-weight: 800;
  line-height: 1.35;
  letter-spacing: -0.04em;
  color: #fff;
}
.ceo-copy blockquote p::before { content: "“"; }
.ceo-copy blockquote p::after { content: "”"; }
.ceo-letter {
  margin: 0;
  padding-top: 22px;
  border-top: 1px solid rgba(255, 255, 255, 0.18);
}
.ceo-letter p {
  margin: 0 0 16px;
  font-size: 15.8px;
  line-height: 1.9;
  color: #c8c8c8;
}
.ceo-letter p:last-child { margin-bottom: 0; }
.ceo-photo { margin: 0; }
.ceo-photo img {
  width: 100%;
  border-radius: 0;
  border: 0;
  box-shadow: none;
  object-fit: cover;
  object-position: center top;
  aspect-ratio: 4 / 5;
  background: #111;
}
.ceo-sign { margin-top: 28px; padding-top: 0; border-top: 0; }
.ceo-sign strong { display: block; font-size: 16px; color: #fff; letter-spacing: -0.02em; }
.ceo-sign span { font-size: 13.6px; color: #9a9a9a; }
#home-ceo .panel-next .btn-line { border-color: rgba(255, 255, 255, 0.28); color: #fff; }

/* ---------- 17. FAQ ---------- */
.faq-list { display: grid; gap: 10px; max-width: 880px; }
.faq-list details {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  transition: border-color 0.18s, box-shadow 0.18s;
}
.faq-list details[open] { border-color: var(--line-strong); box-shadow: var(--sh-1); }
.faq-list summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  min-height: 46px;
  padding: 17px 20px;
  font-size: 16px;
  font-weight: 700;
  color: var(--ink);
  letter-spacing: -0.028em;
  cursor: pointer;
  list-style: none;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: "";
  flex: none;
  width: 11px;
  height: 11px;
  border-right: 2px solid var(--accent);
  border-bottom: 2px solid var(--accent);
  transform: rotate(45deg) translateY(-2px);
  transition: transform 0.2s ease;
}
.faq-list details[open] summary::after { transform: rotate(225deg) translateY(-2px); }
.faq-a { padding: 0 20px 20px; }
.faq-a p { font-size: 15px; line-height: 1.8; color: var(--body); }

/* ---------- 18. CONTACT FORM ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.5fr) minmax(0, 1fr);
  gap: clamp(22px, 3vw, 40px);
  align-items: start;
}
.form {
  padding: clamp(22px, 2.8vw, 36px);
  background: #fff;
  border-radius: var(--r-lg);
  box-shadow: var(--sh-3);
}
.f-row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.field { margin-bottom: 16px; border: 0; padding: 0; min-width: 0; }
.field > label,
.field > legend {
  display: block;
  margin-bottom: 7px;
  padding: 0;
  font-size: 13.8px;
  font-weight: 700;
  color: var(--ink);
}
.req { color: var(--accent); }

.form input[type="text"],
.form input[type="tel"],
.form select,
.form textarea {
  width: 100%;
  min-height: 48px;
  padding: 12px 14px;
  font: inherit;
  font-size: 15.5px;
  color: var(--ink);
  background: #fff;
  border: 1px solid var(--line-strong);
  border-radius: var(--r-sm);
  transition: border-color 0.16s, box-shadow 0.16s;
}
.form textarea { min-height: 108px; resize: vertical; line-height: 1.7; }
.form select { appearance: none; background-image: linear-gradient(45deg, transparent 50%, var(--muted) 50%), linear-gradient(135deg, var(--muted) 50%, transparent 50%); background-position: calc(100% - 19px) 21px, calc(100% - 13px) 21px; background-size: 6px 6px, 6px 6px; background-repeat: no-repeat; padding-right: 38px; }
.form input:hover,
.form select:hover,
.form textarea:hover { border-color: var(--muted); }
.form input:focus,
.form select:focus,
.form textarea:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(0, 0, 0, 0.15);
}
.form input[aria-invalid="true"],
.form select[aria-invalid="true"] { border-color: #c0392b; box-shadow: 0 0 0 3px rgba(192, 57, 43, 0.12); }
.form ::placeholder { color: #9aa6b6; }

.radio-row { display: flex; flex-wrap: wrap; gap: 8px; }
.rdo {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  min-height: 46px;
  padding: 10px 16px;
  border: 1px solid var(--line-strong);
  border-radius: 999px;
  font-size: 14.8px;
  color: var(--ink-2);
  cursor: pointer;
  transition: border-color 0.16s, background-color 0.16s;
}
.rdo input { width: 18px; height: 18px; margin: 0; accent-color: var(--accent); cursor: pointer; }
.rdo:hover { border-color: var(--ink); }
.rdo:has(input:checked) { border-color: var(--accent); background: var(--accent-tint); color: var(--accent-ink); font-weight: 700; }
.rdo:has(input:focus-visible) { outline: 2.5px solid var(--accent); outline-offset: 2px; }

.consent { margin: 8px 0 22px; }
.consent .chk {
  align-items: flex-start;
  width: 100%;
  min-height: 0;
  padding: 16px 16px;
  background: #f6f6f6;
  border: 1px solid var(--line);
  border-radius: 10px;
  box-shadow: none;
  font-size: 14.5px;
  font-weight: 650;
  line-height: 1.5;
  color: var(--ink);
}
.consent .chk:hover { border-color: #111; background: #f1f1f1; }
.consent .chk:has(input:checked) {
  border-color: #111;
  background: #fff;
  box-shadow: none;
}
.consent .chk span { display: block; min-width: 0; }
.consent .chk em {
  display: block;
  margin-top: 6px;
  font-style: normal;
  font-weight: 400;
  font-size: 12.8px;
  line-height: 1.55;
  color: var(--muted);
}
.consent .chk input {
  appearance: none;
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  margin: 1px 0 0;
  border: 1.5px solid #222;
  border-radius: 5px;
  background: #fff;
}
.consent .chk input:checked {
  background-color: #0a0a0a;
  border-color: #0a0a0a;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23fff' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l5 5 9-10'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: center;
  background-size: 14px 14px;
}

/* 오류·완료 메시지로 스크롤할 때 sticky 헤더(브랜드 줄 + 탭 줄)에 가리지 않게 */
.field, .form-ok { scroll-margin-top: calc(var(--hdr-h) + 16px); }

.err { margin: 6px 0 0; font-size: 13px; font-weight: 600; color: #c0392b; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-note { margin: 14px 0 0; font-size: 12.8px; line-height: 1.7; color: var(--muted); text-align: center; }

.form-ok {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-top: 18px;
  padding: 18px 20px;
  background: #eef8f3;
  border: 1px solid rgba(31, 122, 92, 0.3);
  border-radius: var(--r);
}
.form-ok .ic { font-size: 24px; color: var(--ok); stroke-width: 1.8; margin-top: 2px; }
.form-ok strong { display: block; font-size: 15.5px; color: #14523e; }
.form-ok span { display: block; margin-top: 4px; font-size: 14px; line-height: 1.65; color: #2c6853; }

.contact-side { display: grid; gap: 14px; }
.cs-card {
  padding: clamp(20px, 2.2vw, 28px);
  background: var(--bg-dark-2);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--r-lg);
}
.cs-kicker { margin: 0 0 10px; font-size: 11.5px; font-weight: 800; letter-spacing: 0.14em; text-transform: uppercase; color: #bdbdbd; }
.cs-name { margin: 0 0 16px; font-size: 19px; font-weight: 800; color: #fff; letter-spacing: -0.03em; }
.cs-list { display: grid; gap: 12px; }
.cs-list li {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 14px;
  padding-bottom: 12px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 14.6px;
  color: #c3cde0;
  text-align: right;
}
.cs-list li:last-child { border-bottom: 0; padding-bottom: 0; }
.cs-list li > span:first-child { flex: none; font-size: 13px; color: #8493aa; text-align: left; }
.cs-list a { color: #fff; font-weight: 700; }
.cs-list a:hover { color: #d8d8d8; }
.cs-quiet { background: transparent; border-style: dashed; }
/* 남색 밴드 위에 얹히는 그림 — SVG 가 자기 배경을 갖고 있어 액자는 테두리만 준다 */
.cs-figure {
  margin: 0;
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--r-lg);
  overflow: hidden;
}
.cs-figure img { width: 100%; height: auto; }
.cs-rules { display: grid; gap: 8px; }
.cs-rules li { position: relative; padding-left: 16px; font-size: 14px; line-height: 1.6; color: #a9b7cd; }
.cs-rules li::before { content: ""; position: absolute; left: 0; top: 10px; width: 6px; height: 6px; border-radius: 50%; background: #bdbdbd; }

/* ---------- 19. FOOTER + FAB ---------- */
.ftr { padding: clamp(40px, 5vw, 64px) 0 clamp(100px, 8vw, 56px); background: var(--bg-dark); color: #93a2ba; border-top: 1px solid rgba(255, 255, 255, 0.08); }
.ftr-inner { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.1fr) minmax(0, 1.2fr); gap: clamp(24px, 3vw, 44px); }
.ftr-brand { display: flex; align-items: flex-start; gap: 12px; }
.ftr-brand .brand-mark { width: 34px; height: 34px; border-radius: 8px; }
.ftr-brand strong { display: block; font-size: 16.5px; color: #fff; letter-spacing: -0.03em; }
.ftr-brand span { display: block; margin-top: 4px; font-size: 13px; }
.ftr-info { display: grid; gap: 10px; align-content: start; }
.ftr-info div { display: grid; grid-template-columns: 96px minmax(0, 1fr); gap: 10px; font-size: 14px; }
.ftr-info dt { color: #6f7e95; }
.ftr-info dd { color: #c3cde0; }
.ftr-info dd a:hover { color: #d8d8d8; }
.ftr-legal p { margin: 0 0 8px; font-size: 13px; line-height: 1.72; }
.ftr-legal .copy { margin-top: 14px; font-size: 12.5px; color: #6f7e95; }

/* 상담 신청은 어느 탭에 있든 한 번에 닿아야 해서 항상 떠 있다.
   상담 신청 탭이 열리면 app.js 가 .is-hidden 을 붙여 내린다. */
.fab {
  position: fixed;
  right: 16px;
  bottom: 16px;
  z-index: 70;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 52px;
  padding: 14px 24px;
  border-radius: 999px;
  background: var(--accent);
  color: #fff;
  font-size: 15.5px;
  font-weight: 800;
  letter-spacing: -0.02em;
  box-shadow: 0 10px 26px -8px rgba(0, 0, 0, 0.6);
  transition: opacity 0.22s, transform 0.22s ease;
}
.fab.is-hidden { opacity: 0; transform: translateY(80px); pointer-events: none; }

/* ---------- 20. 스크롤 인 모션 + 페이지 애니메이션 (20260920lx-homepage-motion-v11) ---------- */
@keyframes rise-in {
  from { opacity: 0; transform: translateY(22px); }
  to { opacity: 1; transform: none; }
}
@keyframes rise-scale {
  from { opacity: 0; transform: translateY(18px) scale(1.04); }
  to { opacity: 1; transform: none; }
}
@keyframes hero-drift {
  from { transform: scale(1.06) translate3d(0, 0, 0); }
  to { transform: scale(1.14) translate3d(-1.6%, -1.2%, 0); }
}
@keyframes pulse-dot {
  0%, 100% { transform: scale(1); opacity: 1; }
  50% { transform: scale(1.55); opacity: 0.55; }
}
@keyframes child-in {
  from { opacity: 0; transform: translateY(12px); }
  to { opacity: 1; transform: none; }
}

.js-ready .reveal {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 0.7s cubic-bezier(0.22, 0.75, 0.25, 1), transform 0.7s cubic-bezier(0.22, 0.75, 0.25, 1);
  transition-delay: var(--d, 0s);
}
.js-ready .reveal.in-left { transform: translate3d(-32px, 10px, 0); }
.js-ready .reveal.in-right { transform: translate3d(32px, 10px, 0); }
.js-ready .reveal.in-scale { transform: translateY(18px) scale(1.045); }
.js-ready .reveal.is-in { opacity: 1; transform: none; }

.js-ready .stagger > * {
  opacity: 0;
  transform: translateY(14px);
}
.js-ready .stagger.is-in > * {
  animation: child-in 0.52s cubic-bezier(0.22, 0.75, 0.25, 1) both;
}
.js-ready .stagger.is-in > *:nth-child(1) { animation-delay: 0.02s; }
.js-ready .stagger.is-in > *:nth-child(2) { animation-delay: 0.08s; }
.js-ready .stagger.is-in > *:nth-child(3) { animation-delay: 0.14s; }
.js-ready .stagger.is-in > *:nth-child(4) { animation-delay: 0.2s; }
.js-ready .stagger.is-in > *:nth-child(5) { animation-delay: 0.26s; }
.js-ready .stagger.is-in > *:nth-child(6) { animation-delay: 0.32s; }

.js-ready .hb-u-bar span {
  width: 0;
  transition: width 1.1s cubic-bezier(0.22, 0.75, 0.25, 1);
}
.js-ready .hb-u.is-in .hb-u-bar span { width: var(--bar-w, 0); }

.js-ready .home-break figcaption {
  opacity: 0;
  transform: translateY(14px);
  transition: opacity 0.7s ease, transform 0.7s ease;
  transition-delay: 0.12s;
}
.js-ready .home-break.is-in figcaption { opacity: 1; transform: none; }

.js-ready .case-grid .case-card {
  opacity: 0;
  transform: translateY(18px);
}
.js-ready .case-grid.is-in .case-card:not([hidden]) {
  animation: child-in 0.55s cubic-bezier(0.22, 0.75, 0.25, 1) both;
}
.js-ready .case-grid.is-in .case-card:nth-child(1) { animation-delay: 0.02s; }
.js-ready .case-grid.is-in .case-card:nth-child(2) { animation-delay: 0.07s; }
.js-ready .case-grid.is-in .case-card:nth-child(3) { animation-delay: 0.12s; }
.js-ready .case-grid.is-in .case-card:nth-child(4) { animation-delay: 0.17s; }
.js-ready .case-grid.is-in .case-card:nth-child(5) { animation-delay: 0.22s; }
.js-ready .case-grid.is-in .case-card:nth-child(6) { animation-delay: 0.27s; }

.js-ready .contact-grid.is-in .cs-card,
.js-ready .contact-grid.is-in .cs-figure {
  animation: child-in 0.55s cubic-bezier(0.22, 0.75, 0.25, 1) both;
}
.js-ready .contact-grid.is-in .cs-card:nth-child(2) { animation-delay: 0.1s; }
.js-ready .contact-grid.is-in .cs-figure { animation-delay: 0.18s; }
.js-ready .reveal.sec-photo,
.js-ready .reveal.how-prep-photo,
.js-ready .reveal.sec-figure,
.js-ready .reveal.ceo-photo {
  transform: translateY(18px) scale(1.035);
}

.journey.is-in li,
.svc-diff-panel.is-in .svc-diff-card,
.is-in .tick-list li {
  animation: child-in 0.5s cubic-bezier(0.22, 0.75, 0.25, 1) both;
}
.journey.is-in li:nth-child(2),
.svc-diff-panel.is-in .svc-diff-card:nth-child(2) { animation-delay: 0.08s; }
.journey.is-in li:nth-child(3),
.svc-diff-panel.is-in .svc-diff-card:nth-child(3) { animation-delay: 0.16s; }
.svc-diff-panel.is-in .svc-diff-card:nth-child(4) { animation-delay: 0.24s; }

.is-in .tick-list li:nth-child(2) { animation-delay: 0.05s; }
.is-in .tick-list li:nth-child(3) { animation-delay: 0.1s; }
.is-in .tick-list li:nth-child(4) { animation-delay: 0.15s; }
.is-in .tick-list li:nth-child(5) { animation-delay: 0.2s; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .js-ready .reveal { opacity: 1 !important; transform: none !important; transition: none !important; }
  .js-ready .hb-u-bar span { width: var(--bar-w, 0) !important; }
  .js-ready .stagger > *,
  .js-ready .case-grid .case-card,
  .js-ready .home-break figcaption { opacity: 1 !important; transform: none !important; }
  .js-ready .panel.is-active.is-entering,
  .hero.has-photo .hero-photo,
  .tab-cta::before,
  .journey.is-in li,
  .svc-diff-panel.is-in .svc-diff-card,
  .is-in .tick-list li { animation: none !important; }
  * { animation-duration: 0.001s !important; transition-duration: 0.001s !important; }
  .btn:hover, .card:hover, .svc-card:hover, .cert:hover, .off-card:hover { transform: none; }
}

/* ---------- 21. 반응형 ---------- */
@media (max-width: 1260px) {
  .tab { padding: 13px 12px; font-size: 14px; }
  .brand-sub { display: none; }
}

@media (max-width: 1080px) {
  .sns-hdr { display: none; }
  .burger { display: flex; }
  .analyze-list { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .hero-grid { grid-template-columns: minmax(0, 1fr); }
  .hero-card { max-width: 560px; }
  .ftr-inner { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .ftr-legal { grid-column: 1 / -1; }
}

@media (max-width: 900px) {
  .loan-rails { grid-template-columns: minmax(0, 1fr); }
  .grid-3, .win-groups, .win-flow, .org-grid, .cert-grid, .steps, .need-grid, .case-grid, .hb-years { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .broker-head { grid-template-columns: minmax(0, 1fr); }
  .calc, .check-wrap, .contact-grid, .ceo-grid { grid-template-columns: minmax(0, 1fr); }
  .ceo-photo { max-width: 340px; }
  .vs { grid-template-columns: minmax(0, 1fr); }
  .vs-mark { justify-self: center; }
  .steps li:last-child { grid-column: 1 / -1; }
  /* 한 단으로 접히면 그림이 왼쪽에 치우치지 않게 가운데로 */
  .ex-fig, .faq-fig { margin-inline: auto; }
  .faq-fig { flex-basis: 260px; max-width: 420px; }
  /* 준비물 사진은 옆이 아니라 위로 올라가고, 세로 크롭 대신 띠가 된다 */
  .how-prep { grid-template-columns: minmax(0, 1fr); }
  .how-prep-cards { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .how-prep-photo { height: auto; min-height: 0; aspect-ratio: 16 / 7; }
  .how-prep-photo img { object-position: 50% 50%; }
}

@media (max-width: 720px) {
  body { font-size: 16px; }
  .brand-sub { display: none; }
  /* 좁은 화면에서는 헤더 CTA 대신 항상 떠 있는 .fab 이 상담 신청을 맡는다 */
  .hdr-quote { display: none; }
  .grid-2, .grid-3, .win-groups, .win-flow, .org-grid, .cert-grid, .grant-grid, .steps, .analyze-list,
  .journey, .f-row, .check-grid, .cr-row, .need-grid, .case-grid, .broker-types, .hb-years { grid-template-columns: minmax(0, 1fr); }
  .hb-years-head { flex-direction: column; align-items: flex-start; }
  .hb-delta { text-align: left; }
  .hb-u { grid-template-columns: minmax(0, 1fr) auto; gap: 8px 14px; }
  .hb-u-bar { grid-column: 1 / -1; }
  .journey li + li::before { left: 50%; top: -12px; margin: 0 0 0 -7px; transform: rotate(135deg); }
  .steps li:last-child { grid-column: auto; }
  .ftr-inner { grid-template-columns: minmax(0, 1fr); }
  .ctrl { grid-template-columns: minmax(0, 1fr) auto; }
  .hero-actions .btn,
  .how-cta .btn { flex: 1 1 auto; }
  .sec-photo img { aspect-ratio: 16 / 10; }
  .how-prep-cards,
  .how-prep:has(.how-prep-photo[hidden]) .how-prep-cards { grid-template-columns: minmax(0, 1fr); }
  .how-prep-photo { aspect-ratio: 16 / 9; }
  .loan-vs { grid-template-columns: minmax(0, 1fr); }
  .loan-vs-mark { width: 48px; height: 1px; margin: 2px 0 8px; }
  .grant-rows li { grid-template-columns: minmax(0, 1fr); gap: 4px; padding: 14px 0; }
  .grant-rows em { margin-top: 2px; }
  .cert-rows li { grid-template-columns: 96px minmax(0, 1fr); gap: 12px; padding: 14px 0; }
  .cert-rows em { grid-column: 2; margin-top: -4px; }
  .cert-mark { width: 96px; height: 68px; }
  .loan-rail-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px 8px; }
  .loan-rail-4::before { display: none; }
  .loan-rail-3 { gap: 0; }
  /* 모바일은 한 단이라 좌우 스크림이 의미가 없다. 위/아래는 덮고 가운데만 열어 사진을 보여 준다. */
  .hero-photo { background-position: 58% 46%; }
  .hero.has-photo .hero-photo::after {
    background: linear-gradient(
      180deg,
      rgba(8, 15, 27, 0.95) 0%,
      rgba(9, 17, 30, 0.92) 42%,
      rgba(10, 19, 33, 0.62) 76%,
      rgba(8, 15, 27, 0.9) 100%
    );
  }
}

@media (max-width: 480px) {
  .hdr-inner { min-height: 64px; gap: 10px; }
  .pill-tel span { display: none; }
  .pill-tel { padding: 10px 12px; }
  .pill-tel .ic { font-size: 18px; }
  .brand-name { font-size: 16px; }
  .hero-trust { gap: 6px 14px; }
  .note { padding: 14px 14px 14px 16px; }
  .cs-list li { flex-direction: column; align-items: flex-start; text-align: left; gap: 2px; }
  .ftr-info div { grid-template-columns: 82px minmax(0, 1fr); }
  .faq-list summary { padding: 15px 16px; font-size: 15.2px; }
  .glance-row li { font-size: 13.4px; padding: 8px 13px; }
  .sec-figure { padding: 12px; }
  .sec-figure figcaption { margin-top: 11px; padding-top: 10px; font-size: 12.4px; }
}