:root {
  --main-color: #1B64DA;        /* 이 값 하나로 전체 색이 바뀐다 */
  --main-dark: #1550B5;         /* 메인 hover / 눌림 */
  --point-color: var(--main-color);
  --main-soft: color-mix(in srgb, var(--main-color) 8%, #fff);    /* 태그 · 선택된 칸 바탕 */
  --main-tint: color-mix(in srgb, var(--main-color) 16%, #fff);   /* 제목 강조 칩 · 히어로 빛 */

  --ink: #191F28;                /* 제목 */
  --body: #4E5968;               /* 본문 */
  --muted: #8B95A1;              /* 보조 글씨 */
  --line: #E5E8EB;               /* 구분선 */
  --bg: #F4F6F9;                 /* 회색 바탕 · 입력칸 */
  --error: #F04452;

  --r-lg: 28px;                  /* 큰 카드 */
  --r-md: 20px;                  /* 보통 카드 */
  --r-sm: 14px;                  /* 입력칸 · 버튼 */

  --wrap: 1140px;
  --narrow: 880px;               /* 가운데 좁은 목록 (보장표 · 체크리스트 · 질문) */
  --sec-pad: 120px;              /* 섹션 위아래 여백 */

  /* 체크 아이콘 (흰 선) */
  --ico-check: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath d='M2.5 6.2 5 8.6l4.5-5' fill='none' stroke='%23fff' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

.highlight {font-weight: 700; color: var(--point-color);}

/* 화면에는 안 보이고 스크린리더만 읽는다 */
.sr_only {position: absolute; width: 1px; height: 1px; margin: -1px; padding: 0; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;}


#section1 > .inner,
#section2 > .inner,
#section3 > .inner, #section_point > .inner,
#section4 > .inner,
#section_process > .inner,
#section_qna > .inner, #section_guide > .inner {width: min(var(--wrap), calc(100% - 48px)); max-width: none; margin: 0 auto;}

/* 흰 섹션과 회색 섹션을 번갈아 둔다 */
/* 순서: section2(흰) → section3(회) → point(흰) → section4(회) → process(흰) → qna(회) → guide(흰) */
#section2, #section3, #section_point, #section4, #section_process, #section_qna, #section_guide {padding: var(--sec-pad) 0;}
#section2, #section_point, #section_process, #section_guide {background: #fff;}
#section3, #section4, #section_qna {background: var(--bg);}


/* ══════ #section1 — 가운데 제목 + 한 줄 폼 ══════ */
#section1 {position: relative; overflow: hidden; background: linear-gradient(180deg, var(--main-soft) 0%, #fff 100%);}
/* 제목 뒤에 은은하게 퍼지는 빛 */
#section1::before {content: ''; position: absolute; top: -320px; left: 50%; width: 1000px; height: 1000px; border-radius: 50%; background: radial-gradient(circle, var(--main-tint) 0%, transparent 62%); transform: translateX(-50%); pointer-events: none;}
#section1 > .inner {position: relative;}

/* 배경 이미지 — 가운데(제목·폼 자리)는 흰색으로 밝게 덮고 가장자리로 갈수록 사진이 드러난다.
   아래쪽은 흰색으로 녹여 다음 섹션과 이어지게 한다. */
#section1.has_img {background: #fff;}
#section1.has_img::before {display: none;}
#section1 .hero_bg {position: absolute; inset: 0; z-index: 0; overflow: hidden;}
#section1 .hero_bg picture,
#section1 .hero_bg img {display: block; width: 100%; height: 100%;}
#section1 .hero_bg img {object-fit: cover; object-position: center;}   /* 사진 초점이 다르면 여기서 조정 (예: center 30%) */
#section1 .hero_bg::after {
  content: ''; position: absolute; inset: 0;
  background:
    linear-gradient(180deg, transparent 72%, #fff 100%),
    radial-gradient(ellipse 0% 60% at 0% 0%, rgba(255, 255, 255, 0.95) 0%, rgba(255, 255, 255, 0.84) 52%, rgba(255, 255, 255, 0.38) 100%),
    color-mix(in srgb, var(--main-color) 6%, transparent)
}

#section1 .hero_wrap {padding: 100px 0 88px; text-align: center;}
#section1 .hero_head {max-width: 840px; margin: 0 auto;}

#section1 .hero_label {display: inline-flex; align-items: center; gap: 8px; padding: 8px 16px; border-radius: 999px; background: #fff; box-shadow: 0 4px 14px rgba(25, 31, 40, 0.06); color: var(--main-color); font-size: 14px; font-weight: 700; line-height: 1.3;}
#section1 .hero_label::before {content: ''; width: 6px; height: 6px; border-radius: 50%; background: currentColor;}

/* 제목 — <b> 메인컬러 / <em> 연한 메인컬러 칩 */
#section1 .hero_title {margin-top: 24px; font-size: 56px; font-weight: 800; line-height: 1.26; letter-spacing: -2px; color: var(--ink); word-break: keep-all;}
#section1 .hero_title b {font-weight: 800; color: var(--main-color);}
#section1 .hero_title em {padding: 0 10px; border-radius: 14px; background: var(--main-tint); font-style: normal; -webkit-box-decoration-break: clone; box-decoration-break: clone;}

#section1 .hero_note {margin-top: 20px; font-size: 19px; line-height: 1.65; color: var(--body); word-break: keep-all;}


/* ── 한 줄 폼 — 흰 바 안에 칸을 가로로 늘어놓는다 ── */
#section1 .form_wrap {max-width: 1080px; margin: 52px auto 0; scroll-margin-top: 120px;}

.line_fields {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr) 172px minmax(0, 1.45fr) auto;
  padding: 10px;
  border-radius: 26px;
  background: #fff;
  box-shadow: 0 24px 60px color-mix(in srgb, var(--main-color) 16%, transparent), 0 2px 6px rgba(25, 31, 40, 0.04);
  text-align: left;
}
.line_fields .cell_name {grid-area: name;}
.line_fields .cell_birth {grid-area: birth;}
.line_fields .cell_gender {grid-area: gender;}
.line_fields .cell_phone {grid-area: phone;}
.line_fields .submit_btn {grid-area: btn;}
.line_fields {grid-template-areas: "name birth gender phone btn";}

/* 칸 — 사이에 세로 구분선, 입력 중인 칸은 메인컬러 테두리 */
.line_fields .cell {position: relative; min-width: 0; padding: 14px 22px 13px; border-radius: 18px; transition: background 0.15s, box-shadow 0.15s;}
.line_fields .cell + .cell::before {content: ''; position: absolute; left: 0; top: 24%; bottom: 24%; width: 1px; background: var(--line); transition: opacity 0.15s;}
.line_fields .cell:focus-within {background: var(--main-soft); box-shadow: inset 0 0 0 2px var(--main-color);}
.line_fields .cell:focus-within::before,
.line_fields .cell:focus-within + .cell::before {opacity: 0;}

.line_fields .cell > label,
.line_fields .cell > .field_label {display: block; margin-bottom: 6px; font-size: 13px; font-weight: 700; color: var(--muted);}

.line_fields input[type='text'],
.line_fields .phone_select {width: 100%; height: 32px; padding: 0; border: 0; border-radius: 0; background: transparent; font-size: 17px; font-weight: 600; color: var(--ink); outline: none;}
.line_fields input[type='text']::placeholder {font-weight: 500; color: #B0B8C1;}

/* 성별 — 작은 두 칸 토글 */
.line_fields .gender_wrap {display: grid; grid-template-columns: 1fr 1fr; gap: 3px; padding: 3px; border-radius: 10px; background: var(--bg);}
.line_fields .gender_wrap input[type='radio'] {position: absolute; opacity: 0; pointer-events: none;}
.line_fields .gender_wrap label {display: flex; align-items: center; justify-content: center; height: 26px; margin: 0; border-radius: 8px; font-size: 15px; font-weight: 600; color: var(--muted); cursor: pointer; user-select: none; transition: background 0.15s, color 0.15s;}
.line_fields .gender_wrap input[type='radio']:checked + label {background: var(--main-color); color: #fff; font-weight: 700;}
.line_fields .gender_wrap input[type='radio']:focus-visible + label {outline: 2px solid var(--main-color); outline-offset: 2px;}

/* 연락처 — 국번 | 번호 */
.line_fields .phone_input_wrap {position: relative; display: grid; grid-template-columns: 64px minmax(0, 1fr); gap: 12px; align-items: center;}
.line_fields .phone_select {-webkit-appearance: none; appearance: none; cursor: pointer;}
.line_fields .phone_input_wrap::after {content: ""; position: absolute; top: 50%; left: 40px; width: 18px; height: 18px; background: url("../img/arrow_down.svg") no-repeat center / 18px; transform: translateY(-50%); transition: transform .2s; pointer-events: none;}
.line_fields .phone_input_wrap:has(.phone_select:focus)::after {transform: translateY(-50%) rotate(180deg);}
.line_fields .phone_input {padding-left: 12px !important; border-left: 1px solid var(--line) !important;}

/* 신청 버튼 — 바 오른쪽 끝 */
.line_fields .submit_btn {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  min-width: 184px; margin-left: 10px; padding: 0 28px;
  border: 0; border-radius: 18px; background: var(--main-color); color: #fff;
  font-size: 18px; font-weight: 700; letter-spacing: -0.3px; white-space: nowrap; cursor: pointer;
  transition: background 0.15s, transform 0.1s;
}
.line_fields .submit_btn svg {width: 20px; height: 20px; fill: none; stroke: currentColor; stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; transition: transform 0.15s;}
.line_fields .submit_btn:hover {background: var(--main-dark);}
.line_fields .submit_btn:hover svg {transform: translateX(3px);}
.line_fields .submit_btn:active {transform: scale(0.98);}
.line_fields .submit_btn:focus-visible {outline: 2px solid var(--main-color); outline-offset: 3px;}

.form_wrap .form_privacy {margin-top: 16px; font-size: 13px; color: var(--muted); text-align: center; word-break: keep-all;}


/* ── 신뢰 지표 — 폼 아래 가운데 한 줄 ── */
#section1 .hero_stats {display: flex; justify-content: center; margin-top: 44px;}
#section1 .hero_stats li {display: flex; align-items: baseline; gap: 10px; padding: 0 34px;}
#section1 .hero_stats li + li {border-left: 1px solid #D9DEE5;}
#section1 .hero_stats strong {font-size: 30px; font-weight: 800; line-height: 1; letter-spacing: -1px; color: var(--main-color);}
#section1 .hero_stats strong small {margin-left: 2px; font-size: 16px; font-weight: 700; letter-spacing: 0;}
#section1 .hero_stats span {font-size: 15px; font-weight: 600; color: var(--body);}


/* ══════ 섹션 머리 (가운데 정렬) ══════ */
.title_wrap {max-width: 760px; margin: 0 auto 60px; text-align: center;}
.title_wrap .section_label {display: inline-flex; padding: 7px 14px; border-radius: 999px; background: var(--main-soft); font-size: 13px; font-weight: 700; letter-spacing: 1px; color: var(--main-color);}
#section3 .title_wrap .section_label,
#section4 .title_wrap .section_label,
#section_qna .title_wrap .section_label {background: #fff;}
.title_wrap h2 {margin-top: 18px; font-size: 42px; font-weight: 800; line-height: 1.3; letter-spacing: -1.5px; color: var(--ink); word-break: keep-all;}
.title_wrap h2 b {color: var(--main-color);}
.title_wrap p {margin-top: 16px; font-size: 17px; line-height: 1.7; color: var(--body); word-break: keep-all;}


/* ── section2: 비교가 필요한 이유 — 큰 번호 + 세로 구분선 ── */
#section2 .why_list {display: grid; grid-template-columns: repeat(3, minmax(0, 1fr));}
#section2 .why_list li {padding: 8px 40px; text-align: center;}
#section2 .why_list li + li {border-left: 1px solid var(--line);}
#section2 .why_num {display: block; font-size: 56px; font-weight: 800; line-height: 1; letter-spacing: -2px; color: var(--main-color);}
#section2 h3 {margin: 24px 0 12px; font-size: 22px; font-weight: 800; letter-spacing: -0.6px; color: var(--ink); word-break: keep-all;}
#section2 p {font-size: 16px; line-height: 1.7; color: var(--body); word-break: keep-all;}
#section2 p b {font-weight: 700; color: var(--ink);}


/* ── section3: 보장 구성 — 가운데 표 형태 ── */
#section3 .coverage_list {max-width: var(--narrow); margin: 0 auto; overflow: hidden; border-radius: var(--r-lg); background: #fff;}
#section3 .coverage_list li {display: grid; grid-template-columns: 240px minmax(0, 1fr); gap: 28px; align-items: start; padding: 30px 36px;}
#section3 .coverage_list li + li {border-top: 1px solid var(--line);}
#section3 .coverage_list li.is_main {background: var(--main-soft);}
#section3 .cov_name {display: flex; flex-direction: column; align-items: flex-start; gap: 10px;}
#section3 .tag {display: inline-block; padding: 5px 11px; border-radius: 999px; background: var(--bg); font-size: 12px; font-weight: 700; color: var(--body);}
#section3 .is_main .tag {background: var(--main-color); color: #fff;}
#section3 h3 {font-size: 19px; font-weight: 800; line-height: 1.4; letter-spacing: -0.5px; color: var(--ink); word-break: keep-all;}
#section3 .coverage_list p {padding-top: 2px; font-size: 16px; line-height: 1.7; color: var(--body); word-break: keep-all;}


/* ── section_point: 비교 포인트 — 체크 원 + 가운데 정렬 ── */
#section_point .point_list {display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 20px;}
#section_point .point_list li {padding: 40px 24px 36px; border: 1px solid var(--line); border-radius: var(--r-lg); text-align: center; transition: border-color 0.2s, box-shadow 0.2s;}
#section_point .point_list li:hover {border-color: var(--main-color); box-shadow: 0 16px 40px color-mix(in srgb, var(--main-color) 10%, transparent);}
#section_point .point_ico {display: block; width: 64px; height: 64px; margin: 0 auto 22px; border-radius: 50%; background: var(--main-color) var(--ico-check) no-repeat center / 26px; box-shadow: 0 0 0 8px var(--main-soft);}
#section_point .point_num {display: block; font-size: 12px; font-weight: 800; letter-spacing: 1px; color: var(--main-color);}
#section_point .point_list h3 {margin: 8px 0 10px; font-size: 22px; font-weight: 800; line-height: 1.35; letter-spacing: -0.6px; color: var(--ink); word-break: keep-all;}
#section_point .point_list h3 b {color: var(--main-color);}
#section_point .point_list p {font-size: 15px; line-height: 1.7; color: var(--body); word-break: keep-all;}


/* ── section4: 가입 전 확인사항 — 가운데 번호 목록 ── */
#section4 .checklist {display: flex; flex-direction: column; gap: 12px; max-width: var(--narrow); margin: 0 auto;}
#section4 .checklist li {display: grid; grid-template-columns: 64px minmax(0, 1fr); gap: 8px; align-items: start; padding: 28px 32px; border-radius: var(--r-md); background: #fff;}
#section4 .num {font-size: 28px; font-weight: 800; line-height: 1.2; letter-spacing: -1px; color: var(--main-color);}
#section4 h3 {margin: 2px 0 6px; font-size: 20px; font-weight: 800; letter-spacing: -0.5px; color: var(--ink); word-break: keep-all;}
#section4 .txt p {font-size: 15.5px; line-height: 1.7; color: var(--body); word-break: keep-all;}

/* 중간 CTA — 가운데 정렬 어두운 띠 */
#section4 .cta_box {position: relative; overflow: hidden; max-width: var(--narrow); margin: 56px auto 0; padding: 52px 40px; border-radius: var(--r-lg); background: var(--ink); text-align: center;}
#section4 .cta_box::before {content: ''; position: absolute; top: -180px; left: 50%; width: 520px; height: 360px; border-radius: 50%; background: radial-gradient(circle, color-mix(in srgb, var(--main-color) 55%, transparent) 0%, transparent 70%); transform: translateX(-50%); pointer-events: none;}
#section4 .cta_box > * {position: relative;}
#section4 .cta_box p {font-size: 28px; font-weight: 800; line-height: 1.4; letter-spacing: -1px; color: #fff; word-break: keep-all;}
#section4 .cta_box p b {color: color-mix(in srgb, var(--main-color) 45%, #fff);}
#section4 .cta_box button {height: 60px; margin-top: 28px; padding: 0 40px; border: 0; border-radius: 999px; background: var(--main-color); color: #fff; font-size: 17px; font-weight: 700; cursor: pointer; transition: background 0.15s, transform 0.15s;}
#section4 .cta_box button:hover {background: var(--main-dark); transform: translateY(-2px);}


/* ── section_process: 진행 순서 — 점선으로 이어진 단계 ── */
#section_process .process_list {position: relative; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 24px;}
#section_process .process_list::before {content: ''; position: absolute; top: 31px; left: 12.5%; right: 12.5%; border-top: 2px dashed #CDD3DA;}
#section_process .process_list li {position: relative; z-index: 1; text-align: center;}
#section_process .step {display: flex; align-items: center; justify-content: center; width: 64px; height: 64px; margin: 0 auto; border: 2px solid var(--main-color); border-radius: 50%; background: #fff; font-size: 22px; font-weight: 800; color: var(--main-color);}
#section_process .process_list li:last-child .step {background: var(--main-color); color: #fff;}
#section_process .txt {margin-top: 22px;}
#section_process h3 {margin-bottom: 8px; font-size: 20px; font-weight: 800; letter-spacing: -0.5px; color: var(--ink); word-break: keep-all;}
#section_process p {max-width: 220px; margin: 0 auto; font-size: 15px; line-height: 1.65; color: var(--body); word-break: keep-all;}


/* ── 자주 묻는 질문 — 한 장의 흰 판에 줄로 나눈다 ── */
#section_qna .qna_list {max-width: var(--narrow); margin: 0 auto; overflow: hidden; border-radius: var(--r-lg); background: #fff;}
#section_qna .qna_item + .qna_item {border-top: 1px solid var(--line);}
#section_qna .qna_question {display: flex; align-items: center; gap: 16px; width: 100%; padding: 26px 32px; border: 0; background: none; text-align: left; cursor: pointer;}
#section_qna .qna_num {flex-shrink: 0; font-size: 20px; font-weight: 800; color: var(--main-color);}
#section_qna .qna_text {flex: 1; font-size: 18px; font-weight: 700; line-height: 1.45; letter-spacing: -0.4px; color: var(--ink); word-break: keep-all;}

/* + 아이콘 — 열리면 − */
#section_qna .qna_icon {position: relative; flex-shrink: 0; width: 32px; height: 32px; border-radius: 50%; background: var(--bg); transition: background 0.15s;}
#section_qna .qna_icon::before,
#section_qna .qna_icon::after {content: ''; position: absolute; top: 50%; left: 50%; width: 12px; height: 2px; border-radius: 2px; background: var(--body); transform: translate(-50%, -50%); transition: transform 0.25s, background 0.15s;}
#section_qna .qna_icon::after {transform: translate(-50%, -50%) rotate(90deg);}
#section_qna .qna_question:hover .qna_icon {background: var(--main-soft);}

#section_qna .qna_answer {display: none; padding: 0 32px 28px 63px;}
#section_qna .qna_answer p {font-size: 16px; line-height: 1.75; color: var(--body); word-break: keep-all;}

#section_qna .qna_item.active {background: var(--main-soft);}
#section_qna .qna_item.active .qna_icon {background: var(--main-color);}
#section_qna .qna_item.active .qna_icon::before {background: #fff;}
#section_qna .qna_item.active .qna_icon::after {background: #fff; transform: translate(-50%, -50%) rotate(0deg);}
#section_qna .qna_item.active .qna_answer {display: block; animation: qna_open 0.3s ease;}
@keyframes qna_open {from {opacity: 0; transform: translateY(-6px);} to {opacity: 1; transform: translateY(0);}}


/* ── 서브페이지로 가는 '자세히 보기' 링크 ── */
.more_link {display: inline-flex; align-items: center; gap: 6px; font-size: 16px; font-weight: 700; color: var(--main-color); word-break: keep-all;}
.more_link::after,
#section4 .check_link::after,
#section_qna .qna_more::after {content: '›'; font-size: 1.3em; line-height: 1; transition: transform 0.15s;}
.more_link:hover::after,
#section4 .check_link:hover::after,
#section_qna .qna_more:hover::after {transform: translateX(3px);}
#section4 .check_link {display: inline-flex; align-items: center; gap: 4px; margin-top: 12px; padding: 7px 14px; border-radius: 999px; background: var(--bg); font-size: 14px; font-weight: 700; color: var(--body); word-break: keep-all;}
#section_qna .qna_more {display: inline-flex; align-items: center; gap: 4px; margin-top: 12px; font-size: 15px; font-weight: 700; color: var(--main-color);}

/* 섹션 아래 가운데 '자세히 보기' 링크 */
.sec_more {margin-top: 28px; text-align: center;}


/* ── section_guide: 서브페이지로 가는 카드 링크 ── */
#section_guide .guide_list {display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; max-width: var(--narrow); margin: 0 auto;}
#section_guide .guide_card {display: flex; align-items: center; gap: 20px; height: 100%; padding: 28px 30px; border: 1px solid var(--line); border-radius: var(--r-lg); color: inherit; text-decoration: none; transition: border-color 0.15s, transform 0.2s;}
#section_guide .guide_card:hover {border-color: var(--main-color); transform: translateY(-3px);}
#section_guide .guide_card:focus-visible {outline: 2px solid var(--main-color); outline-offset: 3px;}
#section_guide .guide_txt {flex: 1; min-width: 0;}
#section_guide .guide_tag {display: inline-block; padding: 5px 11px; border-radius: 999px; background: var(--main-soft); font-size: 12px; font-weight: 700; color: var(--main-color);}
#section_guide .guide_card strong {display: block; margin: 12px 0 6px; font-size: 19px; font-weight: 800; line-height: 1.4; letter-spacing: -0.5px; color: var(--ink); word-break: keep-all;}
#section_guide .guide_card p {font-size: 15px; line-height: 1.6; color: var(--body); word-break: keep-all;}
#section_guide .guide_go {position: relative; flex-shrink: 0; width: 44px; height: 44px; border-radius: 50%; background: var(--bg); transition: background 0.15s;}
#section_guide .guide_go::before {content: ''; position: absolute; top: 50%; left: 50%; width: 9px; height: 9px; border-top: 2px solid var(--body); border-right: 2px solid var(--body); transform: translate(-65%, -50%) rotate(45deg);}
#section_guide .guide_card:hover .guide_go {background: var(--main-color);}
#section_guide .guide_card:hover .guide_go::before {border-color: #fff;}


/* ── 스크롤 등장 효과 — index.php 스크립트가 .reveal 을 붙이고, 화면에 들어오면 .is_in ── */
.reveal {opacity: 0; transform: translateY(28px); transition: opacity 0.6s ease, transform 0.6s ease;}
.reveal.is_in {opacity: 1; transform: none;}


/* ══════════════════════════════════════════════════
   반응형
   ══════════════════════════════════════════════════ */

@media (max-width: 1300px) {
  .inner {width: 93%;}
}

@media (max-width: 1200px) {
  :root {--sec-pad: 104px;}
  #section1 .hero_title {font-size: 50px;}
  .line_fields {grid-template-columns: minmax(0, 1fr) minmax(0, 1fr) 160px minmax(0, 1.4fr) auto;}
  .line_fields .cell {padding: 14px 18px 13px;}
  .line_fields .submit_btn {min-width: 160px; padding: 0 22px;}
}

/* 한 줄 폼을 두 줄로 — 이름·생년월일·성별 / 연락처·버튼 */
@media (max-width: 1150px) {
  :root {--sec-pad: 92px;}
  #section1 > .inner,
  #section2 > .inner,
  #section3 > .inner, #section_point > .inner,
  #section4 > .inner,
  #section_process > .inner,
  #section_qna > .inner, #section_guide > .inner {width: min(720px, calc(100% - 32px));}

  #section1 .hero_wrap {padding: 64px 0 64px;}
  #section1 .hero_title {font-size: 44px;}
  #section1 .form_wrap {margin-top: 40px; scroll-margin-top: 84px;}

  .line_fields {grid-template-columns: repeat(3, minmax(0, 1fr)); grid-template-areas: "name birth gender" "phone phone btn"; gap: 8px; padding: 12px; border-radius: 24px;}
  .line_fields .cell {background: var(--bg); box-shadow: inset 0 0 0 2px transparent;}
  .line_fields .cell + .cell::before {display: none;}
  .line_fields .gender_wrap {background: #fff;}
  .line_fields .submit_btn {min-width: 0; min-height: 66px; margin-left: 0;}

  #section2 .why_list {grid-template-columns: minmax(0, 1fr);}
  #section2 .why_list li {padding: 32px 0;}
  #section2 .why_list li:first-child {padding-top: 0;}
  #section2 .why_list li:last-child {padding-bottom: 0;}
  #section2 .why_list li + li {border-left: 0; border-top: 1px solid var(--line);}

  #section3 .coverage_list li {grid-template-columns: 200px minmax(0, 1fr); gap: 20px;}

  #section_point .point_list {grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px;}

  #section_process .process_list {grid-template-columns: repeat(2, minmax(0, 1fr)); row-gap: 40px;}
  #section_process .process_list::before {display: none;}
}

@media (max-width: 768px) {
  :root {--sec-pad: 80px;}
  #section1 .hero_wrap {padding: 52px 0 56px;}
  #section1 .hero_title {font-size: 34px; letter-spacing: -1.4px;}
  #section1 .hero_note {font-size: 16px;}
  #section1 .hero_note br {display: none;}

  /* 배경 이미지 — 모바일은 위쪽(제목 뒤)에만 깔고 폼 앞에서 흰색으로 녹인다 */
  #section1 .hero_bg {bottom: auto; height: 460px;}
  #section1 .hero_bg img {object-position: center top;}
  #section1 .hero_bg::after {background: linear-gradient(180deg, rgba(255, 255, 255, 0.45) 0%, rgba(255, 255, 255, 0.8) 55%, #fff 100%);}

  .line_fields {grid-template-columns: repeat(2, minmax(0, 1fr)); grid-template-areas: "name birth" "gender gender" "phone phone" "btn btn";}
  .line_fields .submit_btn {min-height: 60px;}

  #section1 .hero_stats {margin-top: 36px;}
  #section1 .hero_stats li {flex-direction: column; align-items: center; gap: 6px; padding: 0 22px;}
  #section1 .hero_stats strong {font-size: 24px;}
  #section1 .hero_stats span {font-size: 13.5px;}

  .title_wrap {margin-bottom: 40px;}
  .title_wrap h2 {font-size: 30px; letter-spacing: -1px;}
  .title_wrap p {font-size: 16px;}

  #section3 .coverage_list li {grid-template-columns: minmax(0, 1fr); gap: 12px; padding: 26px 28px;}
  #section3 .cov_name {flex-direction: row; align-items: center;}

  #section4 .cta_box {padding: 40px 24px;}
  #section4 .cta_box p {font-size: 23px;}

  /* 진행 순서 — 세로 타임라인 */
  #section_process .process_list {grid-template-columns: minmax(0, 1fr); row-gap: 20px;}
  #section_process .process_list::before {display: block; top: 32px; bottom: 32px; left: 31px; right: auto; border-top: 0; border-left: 2px dashed #CDD3DA;}
  #section_process .process_list li {display: grid; grid-template-columns: 64px minmax(0, 1fr); align-items: center; column-gap: 18px; text-align: left;}
  #section_process .step {margin: 0;}
  #section_process .txt {margin-top: 0;}
  #section_process h3 {font-size: 18px;}
  #section_process p {max-width: none; margin: 0;}

  #section_qna .qna_question {padding: 22px 24px;}
  #section_qna .qna_answer {padding: 0 24px 24px 55px;}

  #section_guide .guide_list {grid-template-columns: minmax(0, 1fr);}
}

@media (max-width: 550px) {
  :root {--sec-pad: 64px;}
  #section1 > .inner,
  #section2 > .inner,
  #section3 > .inner, #section_point > .inner,
  #section4 > .inner,
  #section_process > .inner,
  #section_qna > .inner, #section_guide > .inner {width: calc(100% - 32px);}

  #section1 .hero_wrap {padding: 40px 0 44px;}
  #section1 .hero_label {font-size: 13px;}
  #section1 .hero_title {margin-top: 18px; font-size: 29px; letter-spacing: -1px;}
  #section1 .hero_title em {padding: 0 6px; border-radius: 8px;}
  #section1 .hero_note {margin-top: 14px; font-size: 15px;}
  #section1 .form_wrap {margin-top: 28px;}

  .line_fields {gap: 6px; padding: 8px; border-radius: 20px;}
  .line_fields .cell {padding: 12px 16px 11px; border-radius: 14px;}
  .line_fields .cell > label,
  .line_fields .cell > .field_label {margin-bottom: 4px; font-size: 12.5px;}
  .line_fields input[type='text'], .line_fields .phone_select {font-size: 16px;}
  .line_fields .gender_wrap label {height: 30px;}
  .line_fields .submit_btn {min-height: 56px; border-radius: 14px; font-size: 17px;}

  #section1 .hero_stats {margin-top: 28px;}
  #section1 .hero_stats li {flex: 1; padding: 0 6px;}
  #section1 .hero_stats strong {font-size: 21px;}
  #section1 .hero_stats strong small {font-size: 13px;}
  #section1 .hero_stats span {font-size: 12.5px; word-break: keep-all;}

  .title_wrap {margin-bottom: 32px;}
  .title_wrap .section_label {font-size: 12px;}
  .title_wrap h2 {margin-top: 14px; font-size: 26px; letter-spacing: -0.8px;}
  .title_wrap p {margin-top: 12px; font-size: 15px;}
  .title_wrap h2 br {display: none;}

  #section2 .why_list li {padding: 24px 0;}
  #section2 .why_num {font-size: 44px;}
  #section2 h3 {margin: 16px 0 8px; font-size: 19px;}
  #section2 p {font-size: 15px;}

  #section3 .coverage_list {border-radius: var(--r-md);}
  #section3 .coverage_list li {padding: 22px 20px;}
  #section3 .cov_name {flex-direction: column; align-items: flex-start; gap: 8px;}
  #section3 h3 {font-size: 18px;}
  #section3 .coverage_list p {font-size: 15px;}

  #section_point .point_list {grid-template-columns: minmax(0, 1fr); gap: 10px;}
  #section_point .point_list li {display: grid; grid-template-columns: 48px minmax(0, 1fr); column-gap: 16px; padding: 22px 20px; border-radius: var(--r-md); text-align: left;}
  #section_point .point_ico {grid-row: span 3; width: 48px; height: 48px; margin: 4px 0 0; background-size: 20px; box-shadow: 0 0 0 6px var(--main-soft);}
  #section_point .point_list h3 {margin: 4px 0 6px; font-size: 19px;}
  #section_point .point_list p {font-size: 14.5px;}

  #section4 .checklist {gap: 10px;}
  #section4 .checklist li {grid-template-columns: 44px minmax(0, 1fr); padding: 22px 20px;}
  #section4 .num {font-size: 22px;}
  #section4 h3 {font-size: 18px;}
  #section4 .txt p {font-size: 14.5px;}
  #section4 .cta_box {margin-top: 32px; padding: 34px 20px; border-radius: 24px;}
  #section4 .cta_box p {font-size: 20px;}
  #section4 .cta_box button {width: 100%; height: 56px; margin-top: 22px;}

  #section_process .process_list::before {left: 25px;}
  #section_process .process_list li {grid-template-columns: 52px minmax(0, 1fr); column-gap: 14px;}
  #section_process .step {width: 52px; height: 52px; font-size: 18px;}
  #section_process p {font-size: 14.5px;}

  #section_qna .qna_list {border-radius: var(--r-md);}
  #section_qna .qna_question {gap: 12px; padding: 20px 18px;}
  #section_qna .qna_num {font-size: 17px;}
  #section_qna .qna_text {font-size: 16px;}
  #section_qna .qna_icon {width: 28px; height: 28px;}
  #section_qna .qna_answer {padding: 0 18px 20px 42px;}
  #section_qna .qna_answer p {font-size: 15px;}

  #section_guide .guide_card {padding: 22px 20px; border-radius: var(--r-md);}
  #section_guide .guide_card strong {font-size: 17px;}
  #section_guide .guide_card p {font-size: 14.5px;}
  #section_guide .guide_go {width: 36px; height: 36px;}

  .more_link {font-size: 15px;}
}

@media (max-width: 360px) {
  .line_fields {grid-template-columns: minmax(0, 1fr); grid-template-areas: "name" "birth" "gender" "phone" "btn";}
}

@media (hover: none) {
  .line_fields .submit_btn:hover {background: var(--main-color);}
  .line_fields .submit_btn:hover svg {transform: none;}
  #section_point .point_list li:hover {border-color: var(--line); box-shadow: none;}
  #section4 .cta_box button:hover {background: var(--main-color); transform: none;}
  #section_qna .qna_question:hover .qna_icon {background: var(--bg);}
  #section_qna .qna_item.active .qna_question:hover .qna_icon {background: var(--main-color);}
  #section_guide .guide_card:hover {border-color: var(--line); transform: none;}
  #section_guide .guide_card:hover .guide_go {background: var(--bg);}
  #section_guide .guide_card:hover .guide_go::before {border-color: var(--body);}
  .more_link:hover::after, #section4 .check_link:hover::after, #section_qna .qna_more:hover::after {transform: none;}
}

@media (prefers-reduced-motion: reduce) {
  .line_fields .cell, .line_fields .submit_btn, .line_fields .submit_btn svg {transition: none;}
  #section_qna .qna_item.active .qna_answer {animation: none;}
  #section_qna .qna_icon::before, #section_qna .qna_icon::after {transition: none;}
  #section_point .point_list li, #section_guide .guide_card {transition: none;}
  .reveal {opacity: 1; transform: none; transition: none;}
}


/* ══════════════════════════════════════════════════
   아래는 기존과 같은 공용 영역 — 하단 고지, 푸터, 모바일 헤더, 신청 유도 버튼, 약관 페이지
   ══════════════════════════════════════════════════ */

.bottom_wrap { padding:40px 0; background:#f7f7f7; border-top:1px solid #e5e5e5; }
.bottom_wrap .inner { max-width:1200px; margin:0 auto; }
.bottom_wrap .inner h3 { margin:0 0 20px; font-size:20px; font-weight:700; color:#333; }
.bottom_wrap .inner ul { margin:0; padding:0; list-style:none; }
.bottom_wrap .inner ul li {font-size:15px; line-height:1.8; color:#555; word-break:keep-all; }
.bottom_wrap .inner ul li:last-child { margin-bottom:0; }
.bottom_wrap .inner .compliance_info { margin-top:25px; padding-top:20px; border-top:1px solid #ddd; }
.bottom_wrap .inner .compliance_info p { margin:6px 0; font-size:14px; line-height:1.7; color:#666; }
.bottom_wrap .inner .compliance_info p strong { font-weight:700; color:#444; }

/* ── 푸터 ── */
.footer {padding: 54px 0 120px; background: #252525; color: rgba(255, 255, 255, 0.68);}
.footer_main {display: flex; align-items: flex-start; justify-content: space-between; gap: 40px;}
.footer_info {display: flex; flex-wrap: wrap; align-items: center; gap: 7px 18px; max-width: 760px; font-style: normal; font-size: 14px; line-height: 1.7;}
.footer_info strong {width: 100%; margin-bottom: 2px; color: #fff; font-size: 17px; font-weight: 700; letter-spacing: -0.3px;}
.footer_info span {position: relative;}
.footer_info span + span::before {content: ''; position: absolute; left: -10px; top: 50%; width: 3px; height: 3px; transform: translateY(-50%); border-radius: 50%; background: rgba(255, 255, 255, 0.35);}
.footer_info .addr {flex-basis: 100%;}
.footer_info .addr::before {display: none;}
.footer_links {display: flex; align-items: center; gap: 22px; flex-shrink: 0;}
.footer_links a {position: relative; font-size: 14px; font-weight: 600; color: #fff; transition: opacity 0.15s ease;}
.footer_links a:hover {opacity: 0.65;}
.footer_links a + a::before {content: ''; position: absolute; left: -11px; top: 50%; width: 1px; height: 12px; transform: translateY(-50%); background: rgba(255, 255, 255, 0.28);}
.footer .copyright {margin-top: 30px; padding-top: 22px; border-top: 1px solid rgba(255, 255, 255, 0.14); font-size: 13px; color: rgba(255, 255, 255, 0.45);}


/* ── 신청 유도 플로팅 버튼 (PC·모바일 공통) ── */
.to_top {
  position: fixed; left: 50%; bottom: 24px; z-index: 40;
  display: flex; align-items: center; justify-content: center; gap: 10px;
  height: 60px; padding: 0 30px;
  border: 0; border-radius: 999px;
  background: var(--main-color); color: #fff;
  font-size: 17px; font-weight: 700; letter-spacing: -0.3px; white-space: nowrap;
  box-shadow: 0 12px 32px color-mix(in srgb, var(--main-color) 35%, transparent);
  cursor: pointer;
  opacity: 0; visibility: hidden;
  transform: translate(-50%, 24px);
  transition: opacity 0.25s ease, visibility 0.25s ease, transform 0.3s ease, background 0.15s;
}
.to_top.show {opacity: 1; visibility: visible; transform: translate(-50%, 0);}
.to_top:hover {background: var(--main-dark);}
.to_top svg {width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round;}

/* 어두운 푸터 위에 올라오면 색을 뒤집는다 */
.to_top.on_dark {background: #fff; color: var(--main-color); box-shadow: 0 12px 32px rgba(0, 0, 0, 0.3);}

/* 신청 유도 플로팅 버튼 — 모바일(768px 이하)에서만 보인다. PC는 헤더의 '무료 상담' 버튼이 같은 역할을 한다 */
@media (min-width: 769px) {
  .to_top {display: none;}
}

@media (max-width: 550px) {
  .to_top {left: 16px; right: 16px; bottom: 12px; height: 56px; transform: translateY(24px);}
  .to_top.show {transform: translateY(0);}
}
@media (hover: none) {
  .to_top:hover {background: var(--main-color);}
  .to_top.on_dark:hover {background: #fff;}
}
@media (prefers-reduced-motion: reduce) {
  .to_top {transition: none;}
}

@media (max-width: 768px) {
  .m_header_bar .logo {width: 120px;}
  .m_header_bar .m_header_date {font-size: 14px;}

  .footer {padding: 38px 0 100px;}
  .footer_main {flex-direction: column; gap: 22px;}
  .footer_info {gap: 5px 16px; margin-top: 20px; font-size: 13.5px;}
  .footer .copyright {margin-top: 18px; font-size: 12.5px;}

  .bottom_wrap {padding: 32px 0;}
  .bottom_wrap .inner h3 {margin-bottom: 14px; font-size: 17px;}
  .bottom_wrap .inner ul li {font-size: 13.5px; line-height: 1.75;}
  .bottom_wrap .inner .compliance_info p {font-size: 13px;}
}


/* ══════ 약관 문서 페이지 (개인정보처리방침 · 이용약관) ══════ */
.doc_page {padding: 70px 0 90px;}
.doc_page .inner {max-width: 860px;}

.doc_back {display: inline-block; margin-bottom: 20px; color: #888; font-size: 14px; transition: color 0.15s ease;}
.doc_back:hover {color: var(--main-color);}

.doc_page h1 {padding-bottom: 24px; border-bottom: 2px solid #222; font-size: 32px; font-weight: 800; letter-spacing: -0.5px;}

.doc_body {padding-top: 34px; color: #555; font-size: 16px; line-height: 1.8; word-break: keep-all;}
.doc_body h3 {margin: 40px 0 14px; color: #222; font-size: 19px; font-weight: 700;}
.doc_body h3:first-child {margin-top: 0;}
.doc_body p {margin-bottom: 14px;}
.doc_body a {color: var(--main-color); font-weight: 600; text-decoration: underline;}

.doc_body ul {margin: 0 0 14px; padding-left: 4px; list-style: none;}
.doc_body ul li {position: relative; padding-left: 15px; margin-bottom: 7px;}
.doc_body ul li::before {content: ''; position: absolute; left: 0; top: 12px; width: 4px; height: 4px; border-radius: 50%; background: #bbb;}

.doc_body table {width: 100%; margin: 0 0 18px; border-top: 2px solid var(--main-color); border-collapse: collapse;}
.doc_body table th,
.doc_body table td {padding: 14px 16px; border-bottom: 1px solid #e8ecf1; font-size: 15px; line-height: 1.7; text-align: left; vertical-align: top;}
.doc_body table th {width: 150px; background: #f7f9fc; color: #333; font-weight: 700;}

.doc_body .note {padding: 16px 18px; border-radius: 12px; background: #f5f7fa; color: #666; font-size: 14.5px; line-height: 1.75;}

@media (max-width: 768px) {
  .doc_page {padding: 40px 0 70px;}
  .doc_page h1 {padding-bottom: 18px; font-size: 24px;}
  .doc_body {padding-top: 26px; font-size: 15px;}
  .doc_body h3 {margin: 32px 0 12px; font-size: 17px;}

  .doc_body table,
  .doc_body table tbody,
  .doc_body table tr,
  .doc_body table th,
  .doc_body table td {display: block; width: 100%;}
  .doc_body table tr:first-child {display: none;}
  .doc_body table tr {padding: 13px 0; border-bottom: 1px solid #e8ecf1;}
  .doc_body table tr:last-child {border-bottom: 0;}
  .doc_body table th,
  .doc_body table td {padding: 0; border: 0;}
  .doc_body table th {margin-bottom: 4px; background: none; color: #888; font-size: 13.5px; font-weight: 600;}
  .doc_body table td {font-size: 14.5px; color: #555;}
  .doc_body .note {font-size: 13.5px;}
}