/* ===== CUSTOM ALERT ===== */
#customAlertOverlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.45);
  z-index: 999999;
  align-items: center;
  justify-content: center;
}
#customAlertOverlay.show { display: flex; }
.ca-box {
  background: #fff;
  border-radius: 14px;
  padding: 36px 40px 28px;
  min-width: 300px;
  max-width: 380px;
  width: 90%;
  text-align: center;
  box-shadow: 0 12px 48px rgba(0, 0, 0, 0.22);
  animation: caFadeIn .18s ease;
}
@keyframes caFadeIn {
  from { opacity: 0; transform: translateY(-12px); }
  to   { opacity: 1; transform: translateY(0); }
}
.ca-msg {
  font-size: 15px;
  line-height: 1.7;
  color: #222;
  letter-spacing: -0.3px;
  margin-bottom: 24px;
  word-break: keep-all;
}
.ca-btn {
  background: var(--primary);
  color: #fff;
  border: none;
  border-radius: 8px;
  padding: 11px 36px;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: background .2s;
}
.ca-btn:hover { background: var(--primary-dark); }

/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --primary:       #0F5132;
  --primary-dark:  #08331F;
  --primary-light: #ECFDF5;
  --accent:        #C8952A;
  --accent-light:  #FDF5E6;
  --green:         #2E7D32;
  --gold:          #C8952A;
  --dark:          #0D1826;
  --gray-900:      #1A1F2E;
  --gray-700:      #374151;
  --gray-500:      #6B7280;
  --gray-400:      #9CA3AF;
  --gray-300:      #D1D5DB;
  --gray-100:      #F4F6FA;
  --white:         #FFFFFF;
  --radius:        12px;
  --shadow:        0 4px 24px rgba(0,0,0,.08);
  --shadow-lg:     0 8px 40px rgba(0,0,0,.14);
  --transition:    .25s ease;
  --font:          'Malgun Gothic', 'Apple SD Gothic Neo', sans-serif;
}

html { scroll-behavior: smooth; overflow-x: hidden; width: 100%; }
body { font-family: var(--font); color: var(--gray-700); background: var(--white); line-height: 1.7; overflow-x: hidden; width: 100%; max-width: 100vw; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.section { padding: 100px 0; }
.section-header { text-align: center; margin-bottom: 60px; }
.section-tag {
  display: inline-block; font-size: .72rem; font-weight: 700; letter-spacing: .1em;
  color: var(--primary); background: var(--primary-light);
  padding: 4px 14px; border-radius: 20px; margin-bottom: 14px;
}
.section-header h2 { font-size: 2.2rem; font-weight: 800; color: var(--dark); margin-bottom: 10px; }
.section-header p  { font-size: 1rem; color: var(--gray-500); }

/* ===== HEADER ===== */
#header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(255,255,255,.96); backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--gray-300);
  transition: box-shadow var(--transition);
}
#header.scrolled { box-shadow: 0 2px 20px rgba(0,0,0,.08); }

.header-inner { display: flex; align-items: center; justify-content: space-between; height: 70px; }

.sublogo {
  display: flex; min-width: 142px; width: 142px;
  align-items: center; gap: 3px;
  border: 1px solid var(--gray-300); border-radius: 10px;
  background: #f7f9fc; text-decoration: none;
}
.sublogo-mark {
  font-size: 1.2rem; font-weight: 800; color: var(--white);
  background: #1A5CFF; /*var(--primary);*/
  width: 38px; height: 38px; border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; letter-spacing: -1.3px;
  padding: 0 2px; box-sizing: border-box;
}
.sublogo-text { display: flex; flex-direction: column; line-height: 1.2; align-items: center; }
.sublogo-main { font-size: .80rem; font-weight: 800; color: var(--dark); width: 103px; }
.sublogo-sub  { font-size: .70rem; color: #000; padding-top: 2px; align-items: center; }

@keyframes blink {
  0%, 100% { opacity: 1; }
  50%       { opacity: .3; }
}
.blink { animation: blink 1.4s ease-in-out infinite; }

#nav ul { display: flex; align-items: center; gap: 4px; }
#nav ul li a {
  padding: 8px 16px; border-radius: 8px; font-size: .9rem;
  font-weight: 500; color: var(--gray-700); transition: all var(--transition);
}
#nav ul li a:hover, #nav ul li a.active { color: var(--primary); background: var(--primary-light); }
.btn-nav {
  background: var(--primary) !important; color: #fff !important;
  border-radius: 8px; padding: 8px 20px !important;
}
.btn-nav:hover { background: var(--primary-dark) !important; }

.hamburger {
  display: none; flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer; padding: 8px;
}
.hamburger span {
  display: block; width: 24px; height: 2px;
  background: var(--dark); border-radius: 2px; transition: all var(--transition);
}
.mobile-nav { display: none; }
.nav-overlay { display: none; }

/* ===== HERO ===== */
.hero {
  position: relative; min-height: 100vh; display: flex;
  align-items: center; overflow: hidden; padding-top: 70px;
}
.hero-bg {
  position: absolute; inset: 0;
  background: linear-gradient(135deg, #051A0D 0%, #0F5132 45%, #08331F 100%);
}
.hero-bg::after {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 70% 40%, rgba(200,149,42,.18) 0%, transparent 60%);
}

.hero-content {
  position: relative; z-index: 2; text-align: center;
  padding: 80px 24px 60px; width: 100%;
}
.hero-badge {
  display: inline-block; background: rgba(200,149,42,.2);
  border: 1px solid rgba(200,149,42,.4); color: #e8b84b;
  font-size: .8rem; font-weight: 700; letter-spacing: .08em;
  padding: 6px 20px; border-radius: 20px; margin-bottom: 28px;
}
.hero-content h1 {
  font-size: clamp(2rem, 5vw, 3.4rem); font-weight: 900;
  color: #fff; line-height: 1.25; margin-bottom: 24px; letter-spacing: -1px;
}
.hero-content h1 em { color: #e8b84b; font-style: normal; }
.hero-content p { font-size: 1.05rem; color: rgba(255,255,255,.78); line-height: 1.8; margin-bottom: 36px; }

.hero-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; margin-bottom: 48px; }
.btn-primary {
  background: var(--accent); color: #fff; padding: 14px 32px;
  border-radius: 10px; font-weight: 700; font-size: .95rem;
  transition: all var(--transition); border: none; cursor: pointer; display: inline-block;
}
.btn-primary:hover { background: #a87820; transform: translateY(-2px); box-shadow: 0 8px 24px rgba(200,149,42,.35); }
.btn-outline {
  border: 2px solid rgba(255,255,255,.5); color: #fff; padding: 13px 30px;
  border-radius: 10px; font-weight: 600; font-size: .95rem;
  transition: all var(--transition); display: inline-block;
}
.btn-outline:hover { border-color: #fff; background: rgba(255,255,255,.08); }

.hero-stats {
  display: flex; align-items: center; justify-content: center;
  gap: 0; flex-wrap: wrap; margin-bottom: 40px;
  background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12);
  border-radius: 16px; padding: 20px 32px; backdrop-filter: blur(10px);
}
.stat { text-align: center; padding: 0 28px; }
.stat strong { display: block; font-size: 1.3rem; font-weight: 800; color: #e8b84b; }
.stat span   { font-size: .78rem; color: rgba(255,255,255,.7); }
.stat-divider { width: 1px; height: 40px; background: rgba(255,255,255,.2); }

/* Hero Marquee */
.hero-marquee {
  margin-top: 32px; width: 100%; max-width: 900px; margin-left: auto; margin-right: auto;
}
.marquee-label {
  text-align: center; font-size: .8rem; letter-spacing: 2px;
  color: rgba(255,255,255,.6); margin-bottom: 12px; text-transform: uppercase;
}
.marquee-track {
  overflow: hidden; position: relative; display: flex;
  mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent);
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent);
}
.marquee-list {
  display: flex; gap: 28px; list-style: none; padding: 0 28px 0 0;
  margin: 0; flex-shrink: 0; animation: marquee-scroll 18s linear infinite;
}
.marquee-list li {
  color: #fff; font-weight: 600; font-size: .95rem;
  padding: 8px 18px; background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.18); border-radius: 999px;
  white-space: nowrap; backdrop-filter: blur(4px);
}
@keyframes marquee-scroll { to { transform: translateX(-100%); } }
.marquee-track:hover .marquee-list { animation-play-state: paused; }
@media (prefers-reduced-motion: reduce) { .marquee-list { animation: none; } }

.hero-scroll-hint {
  position: absolute; bottom: 32px; left: 50%; transform: translateX(-50%);
  text-align: center; z-index: 2;
}
.hero-scroll-hint span { font-size: .75rem; color: rgba(255,255,255,.5); display: block; margin-bottom: 8px; }
.scroll-arrow {
  width: 20px; height: 20px; border-right: 2px solid rgba(255,255,255,.4);
  border-bottom: 2px solid rgba(255,255,255,.4);
  transform: rotate(45deg); margin: 0 auto;
  animation: bounce .8s ease-in-out infinite alternate;
}
@keyframes bounce { from { transform: rotate(45deg) translateY(0); } to { transform: rotate(45deg) translateY(6px); } }

/* ===== ABOUT ===== */
.about { background: var(--gray-100); }
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.about-text .section-tag { margin-bottom: 12px; }
.about-text h2 { font-size: 2rem; font-weight: 800; color: var(--dark); margin-bottom: 20px; }
.about-text p { color: var(--gray-700); line-height: 1.8; margin-bottom: 16px; font-size: .95rem; }
.about-text p strong { color: var(--primary); }
.about-text .btn-primary { margin-top: 12px; }

.about-card-wrap { display: flex; flex-direction: column; gap: 16px; }
.about-card {
  display: flex; align-items: flex-start; gap: 16px;
  background: var(--white); border-radius: var(--radius); padding: 24px;
  box-shadow: var(--shadow); border: 1px solid var(--gray-300);
  transition: all var(--transition);
}
.about-card:hover { transform: translateX(6px); box-shadow: var(--shadow-lg); border-color: var(--primary-light); }
.about-card.highlight { border-left: 4px solid var(--accent); background: linear-gradient(to right, #fffdf7, #fff); }
.about-card-icon { font-size: 1.8rem; flex-shrink: 0; line-height: 1; }
.about-card-body { display: flex; flex-direction: column; }
.about-card h3 { font-size: 1rem; font-weight: 700; color: var(--dark); margin-bottom: 6px; }
.about-card p  { font-size: .85rem; color: var(--gray-500); line-height: 1.6; }

/* ===== TARGET ===== */
.target { background: var(--white); }
.target-grid {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px;
}
.target-card {
  background: var(--gray-100); border-radius: var(--radius);
  padding: 32px 28px; border: 1px solid var(--gray-300);
  transition: all var(--transition);
}
.target-card:hover {
  background: var(--primary-light); border-color: var(--primary);
  transform: translateY(-4px); box-shadow: var(--shadow-lg);
}
.target-card:hover h3 { color: var(--primary); }
.tc-icon { font-size: 2.4rem; margin-bottom: 14px; }
.target-card h3 { font-size: 1.05rem; font-weight: 700; color: var(--dark); margin-bottom: 12px; }
.target-card ul { display: flex; flex-direction: column; gap: 10px; }
.target-card ul li {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: .88rem; color: var(--gray-700); line-height: 1.6; word-break: keep-all;
}
.t-check { color: var(--primary); font-weight: 700; flex-shrink: 0; margin-top: 2px; }

/* ===== LOAN TYPE ===== */
.loantype { background: var(--gray-100); }
.loantype-grid {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px;
}
.lt-card {
  background: var(--white); border-radius: var(--radius); padding: 36px 28px;
  border: 2px solid var(--gray-300); box-shadow: var(--shadow);
  transition: all var(--transition);
}
.lt-card:hover { border-color: var(--primary); box-shadow: var(--shadow-lg); transform: translateY(-4px); }
.lt-header { display: flex; align-items: center; gap: 14px; margin-bottom: 20px; }
.lt-icon { font-size: 2.2rem; }
.lt-header h3 { font-size: 1.1rem; font-weight: 800; color: var(--dark); }
.lt-tags { display: flex; flex-wrap: wrap; gap: 8px; }
.lt-tag {
  background: var(--primary-light); color: var(--primary);
  font-size: .8rem; font-weight: 700; padding: 5px 14px;
  border-radius: 999px; border: 1px solid rgba(15,81,50,.2);
}

/* ===== ADVANTAGES ===== */
.advantages { background: var(--white); }
.adv-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.adv-card {
  background: var(--gray-100); border-radius: var(--radius); padding: 32px 24px;
  text-align: center; border: 1px solid var(--gray-300); transition: all var(--transition);
}
.adv-card:hover {
  background: var(--primary-light); border-color: var(--primary);
  transform: translateY(-4px); box-shadow: var(--shadow-lg);
}
.adv-card:hover h3 { color: var(--primary); }
.adv-icon { font-size: 2.4rem; margin-bottom: 16px; }
.adv-card h3 { font-size: 1rem; font-weight: 700; color: var(--dark); margin-bottom: 10px; }
.adv-card p  { font-size: .85rem; color: var(--gray-500); line-height: 1.7; word-break: keep-all; }

/* 대부업 등록 안내 박스 */
.license-notice {
  margin-top: 40px; display: flex; align-items: flex-start; gap: 20px;
  background: linear-gradient(135deg, var(--primary-light), #fff);
  border: 1px solid var(--primary); border-radius: var(--radius);
  padding: 28px 32px;
}
.ln-icon { font-size: 2rem; flex-shrink: 0; }
.ln-text strong { display: block; font-size: 1rem; font-weight: 700; color: var(--primary); margin-bottom: 8px; }
.ln-text p { font-size: .88rem; color: var(--gray-700); line-height: 1.8; }
.ln-text small { display: block; font-size: .82rem; color: var(--gray-500); margin-top: 6px; line-height: 1.7; }

/* ===== PROCESS ===== */
.process { background: var(--gray-100); }

.flow-diagram { margin-bottom: 60px; }
.flow-row {
  display: flex; align-items: center; justify-content: center; gap: 0; flex-wrap: nowrap;
}
.flow-box {
  background: var(--white); border-radius: var(--radius);
  padding: 20px 16px; text-align: center; min-width: 150px; max-width: 180px; flex: 1;
  border: 2px solid var(--gray-300); box-shadow: var(--shadow);
  transition: all var(--transition); position: relative;
}
.flow-box:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }

.flow-box.step1 { border-color: #0F5132; }
.flow-box.step2 { border-color: #157a4a; }
.flow-box.step3 { border-color: #1a9960; }
.flow-box.step4 { border-color: #C8952A; }
.flow-box.step5 { border-color: #a87820; }
.flow-box.step5-alt { border-color: #2E7D32; border-style: dashed; background: var(--primary-light); }

.flow-icon { font-size: 1.6rem; margin-bottom: 6px; }
.flow-step-num { font-size: .68rem; font-weight: 700; color: var(--gray-500); letter-spacing: .06em; margin-bottom: 4px; }
.flow-label { font-size: .82rem; font-weight: 700; color: var(--dark); line-height: 1.4; word-break: keep-all; }

.flow-arrow-h {
  font-size: 1.2rem; color: var(--primary); flex-shrink: 0; padding: 0 10px;
}

.flow-turn {
  display: flex;
  justify-content: center;
  margin: 8px 0;
}
.flow-turn-arrow {
  display: flex;
  justify-content: flex-end;
  font-size: 1.2rem; color: var(--primary);
  width: min(100%, 612px);
  padding-right: 70px;
}

.flow-row.reverse { flex-direction: row-reverse; }
.flow-row.reverse .flow-arrow-h { transform: scaleX(-1); }

.alt-badge {
  position: absolute; top: -10px; left: 50%; transform: translateX(-50%);
  background: var(--primary); color: #fff; font-size: .62rem; font-weight: 700;
  padding: 2px 10px; border-radius: 20px; white-space: nowrap;
}

.process-detail {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
.pd-item {
  display: flex; gap: 16px; background: var(--white);
  border-radius: var(--radius); padding: 24px; border: 1px solid var(--gray-300);
  box-shadow: var(--shadow); transition: all var(--transition);
}
.pd-item:hover { box-shadow: var(--shadow-lg); border-color: var(--primary-light); }
.pd-item.alt-item { border-left: 3px solid var(--accent); background: linear-gradient(to right, #fffcf5, #fff); }
.pd-num {
  font-size: 2rem; font-weight: 900;
  line-height: 1; flex-shrink: 0; width: 40px; text-align: center;
  color: var(--primary); opacity: .3;
}
.pd-item.alt-item .pd-num { color: var(--accent); opacity: .5; }
.pd-body h3 { font-size: .95rem; font-weight: 700; color: var(--dark); margin-bottom: 8px; }
.pd-body p  { font-size: .82rem; color: var(--gray-500); line-height: 1.7; word-break: keep-all; }
.alt-tag {
  display: inline-block; font-size: .65rem; font-weight: 700;
  background: var(--accent); color: #fff; padding: 1px 8px;
  border-radius: 10px; vertical-align: middle; margin-left: 6px;
}

/* ===== CONTACT ===== */
.contact { background: var(--white); }
.contact-wrapper { display: grid; grid-template-columns: 1fr 1.5fr; gap: 60px; align-items: start; }

.contact-info .section-tag { margin-bottom: 12px; }
.contact-info h2 { font-size: 1.9rem; font-weight: 800; color: var(--dark); margin-bottom: 16px; }
.contact-info > p { font-size: .92rem; color: var(--gray-500); line-height: 1.8; margin-bottom: 30px; }

.contact-channels { display: flex; flex-direction: column; gap: 14px; margin-bottom: 28px; }
.contact-channels li { display: flex; align-items: center; gap: 14px; }
.ch-icon { font-size: 1.4rem; }
.contact-channels li div { display: flex; flex-direction: column; }
.contact-channels li strong { font-size: .8rem; color: var(--gray-500); font-weight: 600; }
.contact-channels li span  { font-size: .95rem; color: var(--dark); font-weight: 700; }

.company-info {
  background: var(--gray-100); border-radius: var(--radius); padding: 20px;
  border-left: 4px solid var(--primary);
}
.company-info strong { display: block; font-size: 1rem; font-weight: 700; color: var(--dark); margin-bottom: 6px; }
.company-info p { font-size: .85rem; color: var(--gray-500); line-height: 1.7; }

/* Form */
.contact-form { background: var(--white); border-radius: var(--radius); padding: 36px; box-shadow: var(--shadow-lg); border: 1px solid var(--gray-300); }

.form-group { margin-bottom: 20px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
label { display: block; font-size: .85rem; font-weight: 600; color: var(--gray-700); margin-bottom: 7px; }
.required { color: var(--accent); }

input[type="text"], input[type="tel"], select, textarea {
  width: 100%; padding: 11px 14px;
  border: 1.5px solid var(--gray-300); border-radius: 8px;
  font-size: .9rem; font-family: var(--font); color: var(--dark);
  background: var(--white); outline: none;
  transition: border-color var(--transition), box-shadow var(--transition);
}
input:focus, select:focus, textarea:focus {
  border-color: var(--primary); box-shadow: 0 0 0 3px var(--primary-light);
}
textarea { resize: vertical; min-height: 110px; }

.form-check { display: flex; align-items: center; }
.check-label { display: flex; align-items: flex-start; gap: 10px; cursor: pointer; font-size: .85rem; color: var(--gray-700); }
.check-label input { margin-top: 3px; accent-color: var(--primary); }
.link-privacy { color: var(--primary); text-decoration: underline; }

.btn-submit {
  width: 100%; padding: 15px; background: var(--primary); color: #fff;
  border: none; border-radius: 10px; font-size: 1rem; font-weight: 700;
  cursor: pointer; transition: all var(--transition); margin-top: 8px;
}
.btn-submit:hover { background: var(--primary-dark); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(15,81,50,.3); }
.btn-submit:disabled { opacity: .6; cursor: not-allowed; transform: none; }

.form-success {
  display: none; margin-top: 16px; padding: 14px 18px;
  background: #f0fdf4; border: 1px solid #86efac; border-radius: 8px;
  font-size: .9rem; color: #166534; font-weight: 500;
}
.form-success.show { display: block; }

/* ===== FILE ATTACHMENT ===== */
.form-hint {
  display: block;
  font-size: .8rem;
  color: var(--gray-500);
  margin-top: 6px;
  line-height: 1.6;
}
.form-hint-note {
  color: var(--primary);
  font-weight: 600;
}

.attachment-row {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 8px 10px;
  border: 1.5px solid var(--gray-300);
  border-radius: 8px;
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.attachment-row:focus-within {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(15,81,50,.1);
}
.form-group input.attachment-input {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0);
  white-space: nowrap; border: 0;
}
.attachment-btn {
  display: inline-block;
  flex: 0 0 auto;
  padding: 2px 8px;
  font-size: .82rem;
  border: 1px solid #ccc;
  border-radius: 4px;
  background: #f0f0f0;
  color: #333;
  cursor: pointer;
  user-select: none;
}
.attachment-btn:hover { background: #e5e5e5; }
.attachment-row:focus-within .attachment-btn {
  outline: 2px solid var(--primary);
  outline-offset: 1px;
}
.attachment-list {
  list-style: none;
  padding: 0; margin: 0;
  display: flex;
  flex-direction: column;
  gap: 4px;
  flex: 1 1 0;
  min-width: 0;
}
.attachment-list .attachment-item {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 2px 0;
  min-width: 0;
}
.attachment-list .attachment-name {
  color: #000;
  word-break: break-all;
  overflow-wrap: anywhere;
  flex: 1 1 auto;
  min-width: 0;
  font-size: .82rem;
}
.attachment-list .attachment-size { color: #555; font-size: .78rem; }
.attachment-list .attachment-remove {
  background: none;
  border: none;
  color: #c00;
  font-size: 1rem;
  line-height: 1;
  cursor: pointer;
  padding: 0 4px;
}
.attachment-list .attachment-remove:hover { color: #f00; }

.form-notice {
  background: #fffbeb; border: 1px solid #fcd34d; border-radius: 8px;
  padding: 12px 16px; font-size: .82rem; color: #92400e; line-height: 1.7;
  margin-top: 12px;
}

/* ===== FOOTER ===== */
.footer { background: var(--dark); color: rgba(255,255,255,.7); }
.footer-inner {
  display: grid; grid-template-columns: 2.2fr 1fr 1fr 1fr;
  gap: 40px; padding: 60px 24px 40px;
}
.footer-brand p { font-size: .85rem; line-height: 1.8; margin: 12px 0 0; }
.footer-logo { display: flex; align-items: center; gap: 10px; margin-bottom: 4px; }
.logo-mark {
  background: #1A5CFF; color: #fff; font-weight: 900;
  border-radius: 8px; padding: 4px 10px; font-size: 1.1rem;
}
.logo-mark.sm { font-size: .9rem; padding: 3px 8px; }
.footer-logo-main { display: block; font-size: .95rem; font-weight: 700; color: #fff; }
.footer-logo-sub  { display: block; font-size: .75rem; color: rgba(255,255,255,.5); }
.footer-company-info { font-size: .78rem; color: rgba(255,255,255,.5); line-height: 1.9; }

.footer-links { display: contents; }
.footer-col strong { display: block; font-size: .88rem; font-weight: 700; color: #fff; margin-bottom: 16px; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a { font-size: .82rem; color: rgba(255,255,255,.5); transition: color var(--transition); }
.footer-col ul li a:hover { color: #fff; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08); padding: 20px 24px;
  text-align: center;
}
.footer-bottom p { font-size: .8rem; color: rgba(255,255,255,.3); }

/* ===== ANIMATIONS ===== */
.fade-up { opacity: 0; transform: translateY(24px); transition: opacity .55s ease, transform .55s ease; }
.fade-up.visible { opacity: 1; transform: translateY(0); }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .loantype-grid  { grid-template-columns: repeat(2, 1fr); }
  .adv-grid       { grid-template-columns: repeat(2, 1fr); }
  .process-detail { grid-template-columns: repeat(2, 1fr); }
  .footer-inner   { grid-template-columns: 1fr 1fr; }

  .flow-row { flex-wrap: wrap; gap: 12px; }
  .flow-box { min-width: 130px; }
}

@media (max-width: 768px) {
  .section { padding: 70px 0; }
  .section-header h2 { font-size: 1.7rem; }

  .hamburger { display: flex; }
  #nav { display: none; }
  .mobile-nav-close {
    position: absolute; top: 18px; right: 20px;
    background: none; border: none; font-size: 1.3rem; cursor: pointer;
    color: var(--gray-500); padding: 4px; line-height: 1;
  }
  .mobile-nav-close:hover { color: var(--dark); }
  .mobile-nav {
    display: block;
    position: fixed; top: 0; right: -290px; bottom: 0;
    width: 280px; background: #fff; padding: 72px 0 20px;
    overflow-y: auto; z-index: 9999;
    box-shadow: -4px 0 20px rgba(0,0,0,.15);
    transition: right .3s ease;
  }
  .mobile-nav.open { right: 0; }
  .mobile-nav ul { list-style: none; padding: 0; margin: 0; }
  .mobile-nav ul li { border-bottom: 1px solid var(--gray-100); }
  .mobile-nav ul li a {
    display: flex; align-items: center; justify-content: space-between;
    padding: 16px 24px; font-size: .95rem; color: var(--gray-700);
    background: none; text-decoration: none;
  }
  .mobile-nav ul li a:hover { color: var(--primary); }
  .mobile-nav ul li a::after { content: "›"; font-size: 1.2rem; color: var(--gray-400); }
  .mobile-nav ul li a.btn-nav {
    margin: 16px 24px 0; padding: 12px 20px;
    background: var(--primary); color: #fff !important;
    border-radius: 8px; justify-content: center;
  }
  .mobile-nav ul li a.btn-nav::after { display: none; }
  .nav-overlay {
    display: none; position: fixed; inset: 0; background: rgba(0,0,0,.4);
    z-index: 9998;
  }
  .nav-overlay.active { display: block; }

  .hero-content h1 { font-size: 1.8rem; }
  .hero-content p  { font-size: .9rem; }
  .hero-stats { gap: 16px; padding: 16px 20px; flex-direction: column; }
  .stat-divider { width: 60px; height: 1px; }
  .hero-btns { flex-direction: column; align-items: center; }

  .about-grid    { grid-template-columns: 1fr; gap: 36px; }
  .target-grid   { grid-template-columns: 1fr; }
  .loantype-grid { grid-template-columns: 1fr; }
  .adv-grid      { grid-template-columns: 1fr; }
  .process-detail { grid-template-columns: 1fr; }
  .contact-wrapper { grid-template-columns: 1fr; gap: 32px; }
  .form-row { grid-template-columns: 1fr; }
  .contact-form { padding: 24px 20px; }

  .flow-row { flex-direction: column; align-items: center; }
  .flow-arrow-h { transform: rotate(90deg); }
  .flow-row.reverse .flow-arrow-h { transform: rotate(90deg); }
  .flow-row.reverse { flex-direction: column; }
  .flow-turn { display: flex; justify-content: center; }
  .flow-turn-arrow {
    display: block;
    justify-content: normal;
    width: auto;
    text-align: center;
    padding-right: 0;
    font-size: 1.2rem;
    color: var(--primary);
  }

  .license-notice { flex-direction: column; gap: 12px; padding: 20px; }
  .footer-inner { grid-template-columns: 1fr; gap: 28px; }
}

@media (max-width: 480px) {
  .hero-content h1 { font-size: 1.5rem; }
  .stat-divider { display: none; }
}

/* ===== MODAL ===== */
.modal-area { width: 100%; border-radius: 10px; box-shadow: 0 0 20px 0 rgba(0,0,0,0.2); overflow: hidden; }
.modal-area .ma-header { display: flex; justify-content: space-between; align-items: center; position: sticky; top: 0; padding: 25px 30px; background: #f5f5f5; z-index: 99999; }
.modal-area .ma-header dt { font-weight: 600; font-size: 20px; line-height: 20px; color: #111; letter-spacing: -1px; align-self: center; }
.modal-area .ma-header dd { font-size: 24px; line-height: 22px; color: #111; cursor: pointer; }

#terms .nav-tabs {
  display: flex; flex-direction: row; align-items: center;
  flex-wrap: nowrap; list-style: none; margin: 0; padding: 0;
  border-bottom: none; gap: 0;
}
#terms .nav-tabs dt { display: inline-flex; align-items: center; padding: 0 8px; font-size: 16px; font-weight: 400; color: #999; line-height: 1; }
#terms .nav-tabs .nav-item { display: inline-flex; align-items: center; }
#terms .nav-tabs .nav-link { display: inline-block; padding: 0; border: none; background: none; font-size: 18px; font-weight: 600; color: #666; text-decoration: none; letter-spacing: -0.5px; cursor: pointer; }
#terms .nav-tabs .nav-link.active { color: #111; font-weight: 700; }
#terms .nav-tabs .nav-link:hover { color: #111; }

.terms-area { width: 90%; margin: 0 auto; padding: 0 0 70px 0; }
.terms-area.ta-modal { width: 90%; padding: 50px 0; }
#terms .tab-content { display: block; }
#terms .tab-pane { display: none; }
#terms .tab-pane.active.show { display: block; }

#terms .terms-area { font-size: 14px; line-height: 24px; color: #222; letter-spacing: -0.3px; }
#terms .terms-area > h2,
#terms .terms-area h2 { font-size: 24px; line-height: 28px; color: #222; letter-spacing: -0.5px; margin-top: 30px; }
#terms .terms-area > h3,
#terms .terms-area h3 { margin-top: calc(0.6em * 1.5); margin-bottom: 0.5rem; font-size: 16px; line-height: 22px; font-weight: 600; color: #222; letter-spacing: -0.5px; }
#terms .terms-area > p,
#terms .terms-area p { line-height: 26px; color: #222; letter-spacing: -0.5px; margin-top: 8px; }
#terms .terms-area > div,
#terms .terms-area div { margin-top: 10px; font-size: 14px; line-height: 24px; color: #222; }
#terms .terms-area ul,
#terms .terms-area ol { margin-top: 12px; padding-left: 30px; list-style-type: decimal; }
#terms .terms-area li { padding: 4px 0; font-size: 14px; line-height: 22px; color: #222; letter-spacing: -0.3px; }
#terms .terms-area > ul { list-style: inside; padding-left: 0; }

/* ----- 로고 이미지형 헤더 마크 (logo-sm.png 사용, 종합컨설팅과 통일) ----- */
.sublogo-mark-img {
  height: 38px; width: auto; border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; background: transparent;
  box-sizing: border-box; padding: 0; overflow: hidden;
}
.sublogo-mark-img img { height: 100%; width: auto; object-fit: contain; display: block; }
/* TD 이미지 마크가 38px→65px로 넓어져 고정폭(142px) 상자를 넘침 → 종합컨설팅처럼 내용폭 */
.sublogo { min-width: 0; width: auto; padding-right: 8px; }