/* Reset & base */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: "Pretendard", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Noto Sans KR", sans-serif;
  line-height: 1.7;
  color: #0a2540;
  background: #ffffff;
}
a { text-decoration: none; color: inherit; }
ul, ol { list-style: none; }
img { max-width: 100%; display: block; }
.container { width: min(1140px, 92%); margin: 0 auto; }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: #ffffff;
  border-bottom: 1px solid #e5f0ee;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 74px;
}
.logo {
  font-weight: 900;
  font-size: 1.55rem;
  color: #0a2540;
  letter-spacing: -1px;
}
.logo span { color: #00d4aa; }
.gnb { display: flex; gap: 24px; }
.gnb a { font-weight: 600; font-size: 0.94rem; color: #4b5c6b; }
.gnb a:hover { color: #00a884; }
.header-tel { display: inline-flex; }
.mobile-menu-toggle { display: none; background: none; border: none; font-size: 1.5rem; cursor: pointer; color: #0a2540; }

/* Top bar */
.top-bar {
  background: #f4fffc;
  border-bottom: 1px solid #d4f5ed;
}
.top-bar-inner {
  display: flex;
  justify-content: center;
  gap: 12px;
  padding: 10px 0;
}

/* Buttons */
.btn-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 10px 20px;
  background: #0a2540;
  color: #ffffff;
  border-radius: 8px;
  font-weight: 800;
  transition: background 0.2s, transform 0.2s;
}
.btn-primary:hover { background: #00d4aa; color: #0a2540; }
.btn-large {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 16px 36px;
  background: #00d4aa;
  color: #0a2540;
  border-radius: 14px;
  font-weight: 900;
  font-size: 1.15rem;
  transition: transform 0.2s, box-shadow 0.2s;
}
.btn-large:hover { transform: translateY(-2px); box-shadow: 0 14px 28px rgba(0,212,170,0.22); }
.btn-outline {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 16px 32px;
  border: 2px solid #0a2540;
  color: #0a2540;
  border-radius: 14px;
  font-weight: 800;
  transition: background 0.2s, color 0.2s;
}
.btn-outline:hover { background: #0a2540; color: #ffffff; }

/* Hero */
.hero {
  padding: 80px 0 100px;
  background: linear-gradient(135deg, #f4fffc 0%, #ffffff 60%);
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  top: -120px;
  right: -120px;
  width: 440px;
  height: 440px;
  border-radius: 50%;
  background: #00d4aa;
  opacity: 0.10;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-kicker {
  display: inline-block;
  background: #e6faf5;
  color: #00a884;
  padding: 7px 16px;
  border-radius: 30px;
  font-weight: 700;
  font-size: 0.9rem;
  margin-bottom: 18px;
}
.hero h1 {
  font-size: clamp(2.4rem, 5.2vw, 3.6rem);
  font-weight: 900;
  line-height: 1.18;
  color: #0a2540;
  margin-bottom: 24px;
}
.hero .accent { color: #00d4aa; }
.hero-lead {
  font-size: 1.15rem;
  color: #4b5c6b;
  margin-bottom: 32px;
  max-width: 540px;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 36px; }
.hero-stats {
  display: flex;
  gap: 36px;
}
.hero-stats div { display: flex; flex-direction: column; }
.hero-stats strong {
  font-size: 1.7rem;
  font-weight: 900;
  color: #00d4aa;
  line-height: 1.1;
}
.hero-stats span { font-size: 0.92rem; color: #4b5c6b; font-weight: 600; }

/* Card illustration */
.hero-visual { display: flex; justify-content: center; }
.credit-card {
  position: relative;
  width: 320px;
  height: 200px;
  border-radius: 20px;
  background: linear-gradient(135deg, #00d4aa 0%, #0a2540 100%);
  box-shadow: 0 30px 60px rgba(10,37,64,0.18);
  padding: 28px;
  display: flex;
  flex-direction: column;
  transform: rotate(-3deg);
}
.card-shine {
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  border-radius: 20px;
  background: linear-gradient(115deg, transparent 40%, rgba(255,255,255,0.15) 50%, transparent 60%);
}
.chip {
  width: 50px;
  height: 36px;
  background: linear-gradient(135deg, #ffd700 0%, #ffaa00 100%);
  border-radius: 8px;
  margin-bottom: auto;
}
.card-number {
  color: rgba(255,255,255,0.95);
  font-size: 1.25rem;
  font-weight: 700;
  letter-spacing: 2px;
}
.card-holder {
  color: rgba(255,255,255,0.8);
  font-size: 0.85rem;
  margin-top: 8px;
}
.card-brand {
  position: absolute;
  bottom: 24px;
  right: 28px;
  color: rgba(255,255,255,0.6);
  font-weight: 900;
  font-size: 1.5rem;
  font-style: italic;
}

/* Service cards */
.service-cards { padding: 90px 0; background: #ffffff; }
.section-lead { text-align: center; color: #4b5c6b; font-size: 1.1rem; margin-top: -32px; margin-bottom: 48px; }
.service-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.service-card {
  display: block;
  border: 1px solid #e5f0ee;
  border-radius: 22px;
  overflow: hidden;
  background: #ffffff;
  transition: box-shadow 0.25s, transform 0.25s, border-color 0.25s;
}
.service-card:hover { box-shadow: 0 16px 40px rgba(0,212,170,0.13); transform: translateY(-6px); border-color: #00d4aa; }
.service-thumb {
  position: relative;
  height: auto;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}
.service-thumb img {
  width: 100%;
  height: auto;
  object-fit: cover;
  border-top-left-radius: 22px;
  border-top-right-radius: 22px;
  display: block;
}
.service-body { padding: 24px; }
.service-body h3 { font-size: 1.25rem; font-weight: 800; color: #0a2540; margin-bottom: 10px; }
.service-body p { color: #4b5c6b; font-size: 0.95rem; margin-bottom: 16px; }
.service-more { font-weight: 700; color: #00a884; font-size: 0.95rem; }
.service-card:hover .service-more { color: #00d4aa; }

/* Sections */
.section-title {
  font-size: clamp(1.8rem, 4vw, 2.4rem);
  font-weight: 900;
  text-align: center;
  margin-bottom: 48px;
  color: #0a2540;
}
.features { padding: 90px 0; background: #f4fffc; }
.feature-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.feature-card {
  padding: 30px 26px;
  border-radius: 18px;
  background: #ffffff;
  border: 1px solid #d4f5ed;
  transition: box-shadow 0.2s, transform 0.2s;
}
.feature-card:hover { box-shadow: 0 12px 32px rgba(10,37,64,0.07); transform: translateY(-4px); }
.feature-icon { font-size: 2rem; display: block; margin-bottom: 14px; }
.feature-title { font-size: 1.2rem; font-weight: 800; margin-bottom: 12px; color: #0a2540; }
.feature-card p { color: #4b5c6b; font-size: 0.95rem; }

.steps { padding: 90px 0; background: #ffffff; }
.step-list {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.step-item {
  background: #ffffff;
  padding: 34px 26px;
  border-radius: 18px;
  border: 1px solid #e5f0ee;
  position: relative;
}
.step-num {
  position: absolute;
  top: -14px;
  left: 24px;
  background: #00d4aa;
  color: #0a2540;
  font-weight: 900;
  padding: 5px 14px;
  border-radius: 20px;
  font-size: 0.85rem;
}
.step-item h3 { font-size: 1.25rem; font-weight: 800; margin: 18px 0 10px; color: #0a2540; }
.step-item p { color: #4b5c6b; font-size: 0.95rem; }

.faq { padding: 90px 0; background: #f4fffc; }
.faq-list { max-width: 800px; margin: 0 auto; }
.faq details {
  border-bottom: 1px solid #d4f5ed;
  padding: 20px 0;
}
.faq summary {
  list-style: none;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq summary h3 { font-size: 1.15rem; font-weight: 700; color: #0a2540; }
.faq summary::after { content: "+"; font-size: 1.4rem; color: #00d4aa; font-weight: 700; }
.faq details[open] summary::after { content: "−"; }
.faq details p { padding: 14px 0 4px; color: #4b5c6b; }
.faq details a { color: #00a884; text-decoration: underline; font-weight: 700; }

.cta { padding: 80px 0; background: #0a2540; color: #ffffff; text-align: center; }
.cta h2 { font-size: clamp(1.7rem, 4vw, 2.3rem); font-weight: 900; margin-bottom: 12px; }
.cta p { font-size: 1.1rem; opacity: 0.85; margin-bottom: 28px; }
.cta .btn-large { background: #00d4aa; color: #0a2540; }

/* Footer */
.site-footer { padding: 50px 0 30px; background: #071b2f; color: #7d9db3; }
.footer-links { display: flex; gap: 24px; justify-content: center; flex-wrap: wrap; margin-bottom: 20px; }
.footer-links a { font-weight: 600; }
.footer-links a:hover { color: #00d4aa; }
.footer-contact { text-align: center; font-size: 1.2rem; margin-bottom: 12px; }
.footer-contact a { color: #ffffff; font-weight: 700; }
.footer-copy { text-align: center; font-size: 0.85rem; color: #5b7a91; }

/* Sub page */
.page-hero {
  padding: 110px 0 70px;
  background: linear-gradient(135deg, #f4fffc 0%, #ffffff 60%);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: "";
  position: absolute;
  top: -80px;
  right: -80px;
  width: 260px;
  height: 260px;
  border-radius: 50%;
  background: #00d4aa;
  opacity: 0.12;
}
.page-hero h1 { position: relative; z-index: 1; font-size: clamp(2rem, 5vw, 3rem); font-weight: 900; color: #0a2540; margin-bottom: 12px; }
.page-hero p { position: relative; z-index: 1; font-size: 1.1rem; color: #4b5c6b; }
.content-section { padding: 70px 0; }
.content-section h2 { font-size: 1.7rem; font-weight: 900; color: #0a2540; margin: 48px 0 18px; }
.content-section h3 { font-size: 1.25rem; font-weight: 800; color: #00a884; margin: 28px 0 10px; }
.content-section p { color: #4b5c6b; margin-bottom: 14px; }
.content-section ul, .content-section ol { padding-left: 22px; color: #4b5c6b; margin-bottom: 18px; }
.content-section ul { list-style: disc; }
.content-section ol { list-style: decimal; }
.content-section li { margin-bottom: 8px; }
.content-section a { color: #00a884; text-decoration: underline; font-weight: 700; }
.cta-box {
  padding: 32px;
  background: #f4fffc;
  border-radius: 16px;
  border-left: 5px solid #00d4aa;
  margin-top: 48px;
}
.cta-box h2 { margin: 0 0 12px 0; color: #0a2540; }
.cta-box p { color: #4b5c6b; font-size: 1.1rem; }
.cta-box a { color: #00a884; font-weight: 800; }

/* Responsive */
@media (max-width: 900px) {
  .gnb { display: none; position: absolute; top: 74px; left: 0; right: 0; background: #ffffff; padding: 20px; box-shadow: 0 10px 20px rgba(0,0,0,0.06); z-index: 99; flex-direction: column; gap: 16px; }
  .gnb.active { display: flex; }
  .hero-inner { grid-template-columns: 1fr; text-align: center; }
  .hero-kicker { margin-left: auto; margin-right: auto; }
  .hero-lead { margin-left: auto; margin-right: auto; }
  .hero-actions { justify-content: center; }
  .hero-stats { justify-content: center; }
  .feature-grid { grid-template-columns: repeat(2, 1fr); }
  .service-grid { grid-template-columns: repeat(2, 1fr); }
  .step-list { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .header-tel { display: none; }
  .mobile-menu-toggle { display: block; }
  .hero { padding: 70px 0 60px; }
  .feature-grid { grid-template-columns: 1fr; }
  .service-grid { grid-template-columns: 1fr; }
  .step-list { grid-template-columns: 1fr; }
  .credit-card { width: 280px; height: 176px; }
  .hero-stats { gap: 20px; }
  .footer-links { gap: 14px; }
  .top-bar-inner { flex-direction: column; align-items: center; gap: 8px; }
}

/* 404 */
.page-404 { padding: 120px 0; text-align: center; }
.page-404 h1 { font-size: 3rem; color: #00d4aa; font-weight: 900; }
.page-404 p { color: #4b5c6b; margin: 20px 0; }