:root{
  --ink:#26180a;
  --ink-soft:#6e5a42;
  --primary:#b45309;
  --primary-deep:#92400e;
  --accent:#f59e0b;
  --gold:#fbbf24;
  --soft:#fef3c7;
  --paper:#fffaf1;
  --card:#ffffff;
  --line:#f1e2c4;
  --dark:#2a1807;
  --shadow:0 26px 64px -28px rgba(146,64,14,.36);
  --shadow-sm:0 12px 28px -16px rgba(146,64,14,.26);
  --radius:20px;
  --maxw:1160px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Pretendard',system-ui,sans-serif;color:var(--ink);background:var(--paper);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:clip}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}

/* ===== Header ===== */
header{position:sticky;top:0;z-index:60;background:rgba(255,250,241,.9);backdrop-filter:saturate(150%) blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:70px}
.brand{display:flex;align-items:center;gap:10px}
.brand .mark{width:35px;height:35px;border-radius:11px;display:grid;place-items:center;background:linear-gradient(135deg,var(--primary-deep),var(--accent));box-shadow:0 8px 18px -7px rgba(180,83,9,.8)}
.brand .mark svg{width:20px;height:20px}
.brand h1{font-size:20px;font-weight:800;letter-spacing:-.5px;line-height:1;margin:0;color:var(--ink)}
nav ul{display:flex;gap:25px;list-style:none}
nav a{font-weight:600;font-size:15.5px;color:var(--ink-soft);transition:color .2s;position:relative}
nav a:hover,nav a.active{color:var(--primary)}
nav a.active::after{content:"";position:absolute;left:0;right:0;bottom:-7px;height:3px;border-radius:3px;background:var(--primary)}
.hbtn{background:var(--primary);color:#fff;padding:11px 19px;border-radius:99px;font-weight:700;font-size:14.5px;display:inline-flex;align-items:center;gap:6px;transition:transform .2s,background .2s;box-shadow:0 12px 24px -12px rgba(180,83,9,.9)}
.hbtn:hover{transform:translateY(-2px);background:var(--primary-deep)}
.burger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:6px;background:none;border:0}
.burger span{width:24px;height:2px;background:var(--ink);border-radius:2px}

/* ===== Hero (견적 계산기 위저드 : 다크 골드) ===== */
.hero{position:relative;background:linear-gradient(160deg,#1d1103,#3a2410 55%,#6b4516);color:#fff;padding:62px 0 86px;overflow:clip;text-align:center}
#quote{scroll-margin-top:84px}
.hero::before{content:"";position:absolute;top:-160px;left:-120px;width:480px;height:480px;border-radius:50%;background:radial-gradient(circle,rgba(251,191,36,.3),transparent 62%)}
.hero::after{content:"";position:absolute;bottom:-180px;right:-130px;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(245,158,11,.34),transparent 62%)}
.hero .inner{position:relative;z-index:1}
.hero .eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.12);color:#fbbf24;font-weight:800;font-size:13px;padding:7px 15px;border-radius:99px;margin-bottom:20px;backdrop-filter:blur(4px)}
.hero .eyebrow .dot{width:7px;height:7px;border-radius:50%;background:#fbbf24}
.hero h2{font-size:clamp(30px,4.6vw,52px);line-height:1.13;letter-spacing:-1.6px;font-weight:800;color:#fff}
.hero h2 .em{color:#fbbf24}
.hero .lead{margin:16px auto 0;font-size:17px;color:rgba(255,255,255,.88);max-width:560px}
.ftag{position:absolute;z-index:1;background:#fbbf24;color:#2a1807;font-weight:800;font-size:14px;padding:10px 16px;border-radius:13px;box-shadow:0 14px 30px -12px rgba(0,0,0,.5)}
.ftag.t1{top:120px;left:6%;transform:rotate(-9deg)}
.ftag.t2{top:210px;right:6%;transform:rotate(7deg)}

/* 견적 계산기 카드 (2단계 위저드) */
.calc{position:relative;z-index:1;max-width:520px;margin:34px auto 0;background:#fff;border-radius:24px;padding:26px 28px 24px;box-shadow:0 46px 90px -30px rgba(0,0,0,.55);text-align:left;color:var(--ink)}
.calc h3{font-size:20px;font-weight:800;letter-spacing:-.5px;color:var(--ink)}
.calc h3 span{color:var(--primary)}
.qsub{font-size:12.5px;color:var(--ink-soft);margin:4px 0 14px}
.progress{display:flex;gap:8px;margin:0 0 6px}
.progress span{flex:1;height:7px;border-radius:7px;background:var(--line);transition:background .3s}
.progress span.on{background:linear-gradient(90deg,var(--accent),var(--primary))}
.plabel{display:flex;justify-content:space-between;font-size:12px;font-weight:700;color:var(--ink-soft);margin-bottom:16px}
.plabel b{color:var(--primary-deep)}
.qstep{display:none}
.qstep.on{display:block;animation:fade .3s ease}
.field{margin-bottom:13px}
.field>label{display:block;font-size:12.5px;font-weight:700;margin-bottom:6px;color:var(--ink)}
.seg{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.seg button{border:1.5px solid var(--line);background:#fffdf6;border-radius:13px;padding:16px;font-size:16px;font-weight:700;color:var(--ink-soft);cursor:pointer;transition:all .2s;font-family:inherit}
.seg button.on{border-color:var(--primary);background:var(--soft);color:var(--primary-deep)}
input.txt,select.txt{width:100%;border:1.5px solid var(--line);background:#fffdf6;border-radius:12px;padding:13px;font-size:15.5px;font-family:inherit;color:var(--ink);transition:border .2s,box-shadow .2s}
input.txt:focus,select.txt:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 4px rgba(180,83,9,.14)}
.phone-row{display:grid;grid-template-columns:84px 1fr;gap:8px}
.privacy_wrap{display:flex;align-items:center;gap:8px;margin:13px 0 4px;font-size:13px;color:var(--ink-soft);flex-wrap:wrap}
.privacy_wrap input[type=checkbox]{width:18px;height:18px;accent-color:var(--primary);cursor:pointer;margin:0;flex:none}
.privacy_wrap i{display:none}
.privacy_wrap .privacy_label{cursor:pointer;font-weight:600;color:var(--ink)}
.privacy_wrap a{color:var(--primary);text-decoration:underline;text-underline-offset:2px;font-size:12px}
.privacy_wrap a:hover{color:var(--primary-deep)}
.submit,.nextbtn{width:100%;border:none;border-radius:13px;padding:16px;font-size:16.5px;font-weight:800;color:#fff;cursor:pointer;background:linear-gradient(120deg,var(--accent),var(--primary));font-family:inherit;letter-spacing:-.3px;transition:transform .2s,filter .2s;box-shadow:0 14px 28px -14px rgba(180,83,9,.85);margin-top:8px}
.submit:hover,.nextbtn:hover{transform:translateY(-2px);filter:brightness(1.06)}
.backlink{display:inline-block;margin-top:12px;background:none;border:none;color:var(--ink-soft);font-size:13px;text-decoration:underline;text-underline-offset:2px;cursor:pointer;font-family:inherit}
.backlink:hover{color:var(--primary)}
.err{color:#d4503b;font-size:12.5px;margin-top:8px;display:none}

/* 하단 고정 CTA 바 */
.stickybar{position:fixed;left:0;right:0;bottom:0;z-index:70;background:rgba(33,19,6,.94);backdrop-filter:blur(8px);padding:12px 16px;display:flex;align-items:center;justify-content:center;gap:16px;transform:translateY(110%);transition:transform .3s ease;box-shadow:0 -10px 30px rgba(0,0,0,.25)}
.stickybar.show{transform:none}
.stickybar p{color:#fff;font-weight:700;font-size:14.5px;margin:0}
.stickybar p b{color:#fbbf24}
.stickybar a{background:#fbbf24;color:#2a1807;font-weight:800;padding:12px 28px;border-radius:99px;font-size:15px;flex:none;transition:background .2s,transform .2s}
.stickybar a:hover{background:#fff;transform:translateY(-2px)}

/* reveal */
.reveal{opacity:0;transform:translateY(20px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}

/* ===== Insurer marquee ===== */
.insurers{padding:26px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff;margin-top:44px}
.insurers .cap{text-align:center;font-size:13px;color:#a7884f;font-weight:600;margin-bottom:15px;letter-spacing:.3px}
.marquee{overflow:hidden;width:100%;-webkit-mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent)}
.marquee .track{display:flex;align-items:center;gap:48px;width:max-content;list-style:none;padding:0;margin:0;animation:marquee 31s linear infinite}
.marquee:hover .track{animation-play-state:paused}
.marquee li{font-weight:800;font-size:17px;color:#9c7e49;letter-spacing:-.5px;white-space:nowrap;transition:color .2s}
.marquee li:hover{color:var(--primary)}
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}
/* 보험사 마퀴는 모바일 절전/애니메이션 줄이기 설정과 무관하게 항상 자동 슬라이드.
   (CSS 애니메이션이 차단되는 기기는 main.js의 JS 폴백이 직접 굴린다) */
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1!important;transform:none!important;transition:none!important}
}

/* ===== Section base ===== */
section.block{padding:74px 0}
.center{text-align:center}
.eyebrow-s{font-size:13px;font-weight:800;color:var(--primary);letter-spacing:1.4px;text-transform:uppercase;margin-bottom:11px}
h2.title{font-size:clamp(25px,3.4vw,36px);font-weight:800;letter-spacing:-1px;line-height:1.2}
.desc{margin-top:13px;color:var(--ink-soft);font-size:16px;max-width:660px}
.center .desc{margin-left:auto;margin-right:auto}
.prose{max-width:780px;margin:26px auto 0}
.prose p{font-size:15.5px;color:var(--ink-soft);margin-bottom:14px;line-height:1.82}
.prose p b{color:var(--ink)}
.prose h3{font-size:19px;font-weight:800;margin:26px 0 10px;letter-spacing:-.4px}

/* 6 menu image cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:42px}
.mcard{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:transform .25s,box-shadow .25s;display:block}
.mcard:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.mcard .thumb{aspect-ratio:72/50;overflow:hidden;background:var(--soft)}
.mcard .thumb img{width:100%;height:100%;object-fit:cover;transition:transform .4s}
.mcard:hover .thumb img{transform:scale(1.05)}
.mcard .cap{padding:18px 20px}
.mcard .cap h3{font-size:17px;font-weight:800;letter-spacing:-.4px;display:flex;align-items:center;justify-content:space-between;gap:8px;color:var(--ink)}
.mcard .cap h3 .go{color:var(--primary);font-size:15px}
.mcard .cap p{font-size:13.5px;color:var(--ink-soft);margin-top:6px}

/* feature cards */
.features{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:42px}
.feature{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px;transition:transform .25s,box-shadow .25s}
.feature:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.feature .ico{width:48px;height:48px;border-radius:14px;background:var(--soft);display:grid;place-items:center;font-size:23px;margin-bottom:14px}
.feature h3{font-size:17px;font-weight:800;margin-bottom:7px;letter-spacing:-.3px;color:var(--ink)}
.feature p{font-size:14.5px;color:var(--ink-soft)}

/* table */
.gentable{margin-top:36px;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:#fff}
.gentable table{width:100%;border-collapse:collapse;font-size:14px}
.gentable th,.gentable td{padding:14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.gentable thead th{background:var(--soft);color:var(--primary-deep);font-weight:800;font-size:13.5px}
.gentable tbody th{font-weight:800;color:var(--ink);white-space:nowrap}
.gentable tr:last-child td,.gentable tr:last-child th{border-bottom:none}

/* steps */
.steps{max-width:780px;margin:42px auto 0}
.step{display:grid;grid-template-columns:54px 1fr;gap:18px;padding:22px 0;border-bottom:1px dashed var(--line)}
.step:last-child{border-bottom:none}
.step .num{width:46px;height:46px;border-radius:14px;background:linear-gradient(135deg,var(--accent),var(--primary));color:#fff;display:grid;place-items:center;font-weight:800;font-size:19px}
.step h3{font-size:18px;font-weight:800;margin-bottom:5px;color:var(--ink)}
.step p{font-size:14.5px;color:var(--ink-soft)}

/* doc list (체크/용어) */
.doclist{max-width:840px;margin:36px auto 0;display:grid;grid-template-columns:1fr 1fr;gap:12px}
.doc{display:flex;gap:12px;align-items:flex-start;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:16px 18px}
.doc .ck{flex:none;min-width:26px;height:26px;border-radius:9px;background:var(--soft);color:var(--primary);display:grid;place-items:center;font-weight:800;font-size:12px;padding:0 6px}
.doc h3{font-size:15px;font-weight:800;margin-bottom:3px;color:var(--ink)}
.doc p{font-size:13px;color:var(--ink-soft)}

/* callout */
.callout{margin-top:28px;background:var(--soft);border:1px solid #f2dba2;border-left:5px solid var(--primary);border-radius:14px;padding:22px 24px}
.callout h3{font-size:16px;font-weight:800;color:var(--primary-deep);margin-bottom:8px}
.callout p{font-size:14.5px;color:var(--ink-soft);line-height:1.75}
.callout.warn{background:#fdeeee;border-color:#f3c5c0;border-left-color:#dc2626}
.callout.warn h3{color:#b91c1c}

/* stat band */
.statband{background:linear-gradient(135deg,var(--primary-deep),var(--primary));color:#fff;border-radius:24px;padding:46px;display:grid;grid-template-columns:repeat(3,1fr);gap:24px;text-align:center;position:relative;overflow:hidden}
.statband::after{content:"";position:absolute;right:-70px;top:-70px;width:300px;height:300px;border-radius:50%;background:radial-gradient(circle,rgba(251,191,36,.4),transparent 65%)}
.statband .s{position:relative;z-index:1}
.statband .n{font-size:34px;font-weight:800;letter-spacing:-1px;color:#fff}
.statband .l{font-size:13.5px;color:rgba(255,255,255,.88);margin-top:4px}

/* CTA */
.ctaband{text-align:center;background:var(--dark);color:#fff;border-radius:24px;padding:56px 30px;position:relative;overflow:hidden}
.ctaband::before{content:"";position:absolute;inset:0;background:radial-gradient(540px 300px at 80% 120%,rgba(245,158,11,.4),transparent 60%)}
.ctaband h2{font-size:clamp(24px,3.8vw,35px);font-weight:800;letter-spacing:-1px;position:relative;color:#fff}
.ctaband p{margin-top:13px;color:rgba(255,255,255,.82);font-size:16px;position:relative}
.ctaband a{display:inline-block;margin-top:25px;background:var(--gold);color:#2a1807;font-weight:800;padding:15px 38px;border-radius:99px;font-size:16.5px;position:relative;transition:transform .2s,background .2s;box-shadow:0 16px 30px -14px rgba(0,0,0,.5)}
.ctaband a:hover{transform:translateY(-3px);background:#fff}

/* Sub hero */
.subhero{position:relative;background:linear-gradient(150deg,#7c2d12,var(--primary) 62%,var(--accent));color:#fff;padding:54px 0 46px;overflow:hidden}
.subhero::before{content:"";position:absolute;top:-100px;right:-70px;width:380px;height:380px;border-radius:50%;background:radial-gradient(circle,rgba(251,191,36,.4),transparent 62%)}
.subhero .inner{position:relative;z-index:1}
.crumb{font-size:13px;color:rgba(255,255,255,.88);font-weight:600;margin-bottom:14px}
.crumb a{color:#fff;text-decoration:underline;text-underline-offset:2px}
.crumb span{margin:0 7px;color:rgba(255,255,255,.55)}
.subhero h1,.subhero h2{font-size:clamp(27px,4vw,40px);font-weight:800;letter-spacing:-1px;line-height:1.18;color:#fff}
.subhero p{margin-top:13px;font-size:16.5px;color:rgba(255,255,255,.94);max-width:680px}

/* FAQ */
.faq{max-width:840px;margin:42px auto 0}
.qa{background:var(--card);border:1px solid var(--line);border-radius:14px;margin-bottom:12px;overflow:hidden;transition:box-shadow .2s}
.qa.open{box-shadow:var(--shadow-sm)}
.qa .q{width:100%;text-align:left;background:none;border:0;font-family:inherit;color:var(--ink);display:flex;align-items:center;justify-content:space-between;gap:16px;padding:20px 24px;cursor:pointer;font-weight:700;font-size:16px}
.qa .q .qmark{color:var(--primary);font-weight:800;margin-right:6px}
.qa .ar{flex:none;width:26px;height:26px;border-radius:50%;background:var(--soft);display:grid;place-items:center;color:var(--primary-deep);font-size:14px;transition:transform .3s}
.qa.open .ar{transform:rotate(45deg)}
.qa .a{max-height:0;overflow:hidden;transition:max-height .35s ease;color:var(--ink-soft);font-size:14.8px}
.qa .a div{padding:0 24px 22px}

/* footer */
footer{background:#211306;color:rgba(255,255,255,.74);padding:48px 0 38px;margin-top:74px;font-size:13px}
.fnotes{display:grid;gap:7px;border-bottom:1px solid rgba(255,255,255,.12);padding-bottom:24px;margin-bottom:24px}
.fnotes p{line-height:1.65}
.fnotes .strong{color:#fff;font-weight:700}
.fbot{display:flex;justify-content:space-between;flex-wrap:wrap;gap:16px;align-items:flex-end}
.fbrand{font-weight:800;font-size:16px;color:#fff;display:flex;align-items:center;gap:9px;margin-bottom:9px}
.fbrand .mark{width:25px;height:25px;border-radius:8px;background:linear-gradient(135deg,var(--primary-deep),var(--accent));display:grid;place-items:center}
.fbrand .mark svg{width:15px;height:15px}
.fcorp{line-height:1.7;font-size:12.5px;color:rgba(255,255,255,.74)}
.flinks{display:flex;gap:18px;font-size:12.5px}
.flinks a{color:rgba(255,255,255,.82)}
.flinks a:hover{color:var(--gold)}

/* mobile menu */
.mmenu{display:none;position:fixed;inset:0;z-index:80;background:rgba(42,24,7,.5);backdrop-filter:blur(4px)}
.mmenu.open{display:block}
.mpanel{position:absolute;right:0;top:0;height:100%;width:78%;max-width:320px;background:var(--paper);padding:26px 24px;box-shadow:-20px 0 50px rgba(0,0,0,.22);overflow-y:auto}
.mpanel .x{font-size:26px;cursor:pointer;float:right;color:var(--ink-soft);background:none;border:0}
.mpanel ul{list-style:none;margin-top:48px;display:flex;flex-direction:column;gap:4px}
.mpanel a{display:block;padding:14px 8px;font-size:17px;font-weight:700;border-bottom:1px solid var(--line);color:var(--ink)}

/* modal */
.modal{display:none;position:fixed;inset:0;z-index:120;background:rgba(42,24,7,.55);backdrop-filter:blur(4px);padding:20px}
.modal.open{display:flex;align-items:center;justify-content:center;animation:fade .25s ease}
@keyframes fade{from{opacity:0}to{opacity:1}}
.mbox{background:#fff;width:100%;max-width:480px;border-radius:20px;box-shadow:0 30px 80px -20px rgba(0,0,0,.5);overflow:hidden;animation:rise .3s ease}
.mbox.sms{max-width:420px}
#termsModal .mbox{max-width:760px}
@keyframes rise{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:none}}
.mtop{display:flex;align-items:center;justify-content:space-between;padding:20px 24px;border-bottom:1px solid var(--line)}
.mtop h3{font-size:18px;font-weight:800;letter-spacing:-.4px;color:var(--ink)}
.mclose{font-size:26px;line-height:1;color:var(--ink-soft);cursor:pointer;padding:0 4px;background:none;border:0}
.mclose:hover{color:var(--primary)}
.mbody{padding:22px 24px;max-height:60vh;overflow-y:auto}
.mbody.nopad{padding:0;max-height:none;overflow:hidden}
.terms-frame{width:100%;height:68vh;border:0;display:block;background:#fff}
.mfoot{display:flex;gap:10px;padding:16px 24px 22px;border-top:1px solid var(--line)}
.mbtn{flex:1;border:none;border-radius:11px;padding:14px;font-size:15px;font-weight:800;color:#fff;cursor:pointer;font-family:inherit;background:linear-gradient(120deg,var(--accent),var(--primary));transition:transform .2s}
.mbtn:hover{transform:translateY(-2px)}
.mbtn.full{width:100%}
.mbtn.ghost{background:none;color:var(--ink-soft);border:1.5px solid var(--line)}
.mbtn.ghost:hover{border-color:var(--primary);color:var(--primary);transform:none}
.smsinfo{font-size:14.5px;color:var(--ink-soft);text-align:center;line-height:1.6;margin-bottom:18px}
.smsinfo b{color:var(--primary-deep)}
.demohint{font-size:12.5px;color:var(--primary-deep);background:var(--soft);border:1px dashed #f2dba2;border-radius:10px;padding:9px 12px;margin-top:10px;text-align:center;display:none}
.demohint.show{display:block}
.resend{display:block;width:100%;background:none;border:none;color:#a7884f;font-size:12.5px;text-decoration:underline;text-underline-offset:2px;cursor:pointer;font-family:inherit;margin-top:12px}
.resend:hover{color:var(--primary)}
#smsModal .mbody{padding-bottom:22px}
#verifyCode{margin-top:6px}

@media(max-width:900px){
  .ftag{display:none}
  .hero{padding:52px 0 70px}
  .cards,.features{grid-template-columns:1fr 1fr}
  .statband{grid-template-columns:1fr;gap:28px;padding:40px 26px}
  .doclist{grid-template-columns:1fr}
  .gentable{overflow-x:auto}.gentable table{min-width:560px}
  nav ul,.nav .hbtn{display:none}
  .burger{display:flex}
}
@media(max-width:560px){
  .cards,.features{grid-template-columns:1fr}
  section.block{padding:54px 0}
  .modal{padding:10px}.mbody{max-height:78vh}.terms-frame{height:74vh}
}