*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy: #0A1F44;
  --blue: #1B4FD8;
  --sky: #3B82F6;
  --accent: #00C49A;
  --gold: #F59E0B;
  --light: #F0F4FF;
  --white: #FFFFFF;
  --gray: #6B7280;
  --border: #E5E9F5;
  --text: #1E293B;
}

html { scroll-behavior: smooth; }
body { font-family: 'Noto Sans KR', sans-serif; color: var(--text); background: #fff; overflow-x: hidden; }

/* ========== NAV ========== */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: rgba(10,31,68,0.97);
  backdrop-filter: blur(12px);
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 5%;
  height: 64px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.nav-logo {
  font-size: 1.25rem; font-weight: 900; color: #fff; letter-spacing: -0.5px;
  display: flex; align-items: center; gap: 8px;
}
.logo-badge {
  background: var(--accent); color: #fff; font-size: 0.65rem; font-weight: 700;
  padding: 2px 8px; border-radius: 20px; letter-spacing: 0;
}
.nav-links { display: flex; gap: 2rem; list-style: none; }
.nav-links a { color: rgba(255,255,255,0.75); text-decoration: none; font-size: 0.88rem; font-weight: 400; transition: color 0.2s; }
.nav-links a:hover { color: #fff; }
.nav-cta {
  background: var(--accent); color: #fff; border: none; padding: 9px 22px;
  border-radius: 8px; font-size: 0.88rem; font-weight: 700; cursor: pointer;
  font-family: inherit; transition: all 0.2s; letter-spacing: -0.3px;
}
.nav-cta:hover { background: #00a882; transform: translateY(-1px); }

/* ========== HERO ========== */
.hero {
  background: linear-gradient(135deg, #0A1F44 0%, #0F3070 50%, #1a4fa0 100%);
  padding: 130px 5% 80px;
  position: relative; overflow: hidden;
  min-height: 90vh; display: flex; align-items: center;
}
.hero::before {
  content: '';
  position: absolute; top: -200px; right: -100px;
  width: 700px; height: 700px;
  background: radial-gradient(circle, rgba(0,196,154,0.12) 0%, transparent 70%);
  border-radius: 50%;
}
.hero::after {
  content: '';
  position: absolute; bottom: -100px; left: 30%;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(59,130,246,0.1) 0%, transparent 70%);
  border-radius: 50%;
}
.hero-inner {
  max-width: 1100px; margin: 0 auto; width: 100%;
  display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center;
  position: relative; z-index: 2;
}
.hero-tag {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(0,196,154,0.15); border: 1px solid rgba(0,196,154,0.4);
  color: var(--accent); font-size: 0.78rem; font-weight: 700;
  padding: 6px 14px; border-radius: 50px; margin-bottom: 1.5rem;
  letter-spacing: 0.5px;
}
.hero-tag::before { content: '✦'; font-size: 0.6rem; }
.hero h1 {
  font-size: clamp(2.4rem, 4vw, 3.5rem); font-weight: 900; color: #fff;
  line-height: 1.2; letter-spacing: -1px; margin-bottom: 1.2rem;
}
.hero h1 em { color: var(--accent); font-style: normal; }
.hero-sub {
  color: rgba(255,255,255,0.7); font-size: 1.05rem; line-height: 1.8;
  margin-bottom: 2.5rem; font-weight: 300;
}
.hero-btns { display: flex; gap: 12px; flex-wrap: wrap; }
.btn-primary {
  background: var(--accent); color: #fff; border: none;
  padding: 16px 36px; border-radius: 12px; font-size: 1rem; font-weight: 700;
  cursor: pointer; font-family: inherit; transition: all 0.25s;
  display: flex; align-items: center; gap: 8px;
}
.btn-primary:hover { background: #00a882; transform: translateY(-2px); box-shadow: 0 12px 30px rgba(0,196,154,0.4); }
.btn-outline {
  background: transparent; color: #fff; border: 1.5px solid rgba(255,255,255,0.3);
  padding: 16px 30px; border-radius: 12px; font-size: 1rem; font-weight: 500;
  cursor: pointer; font-family: inherit; transition: all 0.25s;
}
.btn-outline:hover { border-color: #fff; background: rgba(255,255,255,0.08); }

/* ========== HERO CARD ========== */
.hero-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 24px; padding: 36px;
  backdrop-filter: blur(16px);
}
.hero-card-title { color: rgba(255,255,255,0.6); font-size: 0.82rem; margin-bottom: 1.5rem; font-weight: 500; }
.rate-display { margin-bottom: 1.5rem; }
.rate-label { color: rgba(255,255,255,0.5); font-size: 0.78rem; margin-bottom: 4px; }
.rate-val { font-size: 3rem; font-weight: 900; color: var(--accent); line-height: 1; letter-spacing: -2px; }
.rate-val span { font-size: 1.4rem; font-weight: 600; }
.rate-note { color: rgba(255,255,255,0.45); font-size: 0.72rem; margin-top: 4px; }
.hero-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 1.5rem; }
.stat-box {
  background: rgba(255,255,255,0.05); border-radius: 12px; padding: 14px 16px;
  border: 1px solid rgba(255,255,255,0.08);
}
.stat-label { color: rgba(255,255,255,0.45); font-size: 0.72rem; margin-bottom: 4px; }
.stat-val { color: #fff; font-size: 1.1rem; font-weight: 700; letter-spacing: -0.5px; }
.hero-card-cta {
  width: 100%; background: linear-gradient(135deg, var(--blue), var(--sky));
  color: #fff; border: none; padding: 15px; border-radius: 12px;
  font-size: 0.95rem; font-weight: 700; cursor: pointer; font-family: inherit;
  transition: all 0.25s;
}
.hero-card-cta:hover { opacity: 0.9; transform: translateY(-1px); }

/* ========== TRUST BAR ========== */
.trust-bar { background: var(--navy); padding: 20px 5%; }
.trust-inner {
  max-width: 1100px; margin: 0 auto;
  display: flex; gap: 2rem; justify-content: center; flex-wrap: wrap;
}
.trust-item {
  display: flex; align-items: center; gap: 8px;
  color: rgba(255,255,255,0.65); font-size: 0.82rem;
}
.trust-icon { font-size: 1rem; }

/* ========== SECTION SHARED ========== */
section { padding: 90px 5%; }
.section-inner { max-width: 1100px; margin: 0 auto; }
.section-tag {
  display: inline-block; background: rgba(27,79,216,0.1); color: var(--blue);
  font-size: 0.75rem; font-weight: 700; padding: 5px 14px; border-radius: 50px;
  margin-bottom: 1rem; letter-spacing: 0.5px;
}
.section-title {
  font-size: clamp(1.8rem, 3vw, 2.4rem); font-weight: 900; letter-spacing: -1px;
  color: var(--navy); margin-bottom: 0.8rem;
}
.section-sub { color: var(--gray); font-size: 1rem; line-height: 1.7; margin-bottom: 3rem; }

/* ========== FEATURES ========== */
.features-bg { background: var(--light); }
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.feature-card {
  background: #fff; border-radius: 20px; padding: 32px 28px;
  border: 1px solid var(--border);
  transition: all 0.3s; position: relative; overflow: hidden;
}
.feature-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--blue), var(--accent));
  opacity: 0; transition: opacity 0.3s;
}
.feature-card:hover { transform: translateY(-6px); box-shadow: 0 20px 50px rgba(10,31,68,0.1); }
.feature-card:hover::before { opacity: 1; }
.feature-icon {
  width: 56px; height: 56px; border-radius: 16px;
  background: var(--light); display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; margin-bottom: 1.2rem;
}
.feature-title { font-size: 1.1rem; font-weight: 700; color: var(--navy); margin-bottom: 0.6rem; }
.feature-desc { color: var(--gray); font-size: 0.88rem; line-height: 1.7; }

/* ========== LOAN DETAILS ========== */
.details-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.detail-table { width: 100%; border-collapse: collapse; }
.detail-table tr { border-bottom: 1px solid var(--border); }
.detail-table tr:last-child { border-bottom: none; }
.detail-table td { padding: 18px 0; vertical-align: top; }
.detail-table td:first-child { color: var(--gray); font-size: 0.88rem; width: 40%; padding-right: 1rem; }
.detail-table td:last-child { font-weight: 600; color: var(--navy); font-size: 0.95rem; }
.detail-highlight { color: var(--accent); font-weight: 700; }
.rate-card {
  background: linear-gradient(135deg, var(--navy), #1B4FD8);
  border-radius: 24px; padding: 40px; color: #fff;
}
.rate-card-title { font-size: 0.85rem; color: rgba(255,255,255,0.6); margin-bottom: 0.5rem; }
.rate-big { font-size: 4rem; font-weight: 900; letter-spacing: -2px; color: var(--accent); line-height: 1; }
.rate-big sub { font-size: 1.5rem; font-weight: 600; }
.rate-range { color: rgba(255,255,255,0.6); font-size: 0.82rem; margin: 8px 0 28px; }
.rate-items { display: flex; flex-direction: column; gap: 14px; }
.rate-item { display: flex; justify-content: space-between; align-items: center; }
.rate-item-label { color: rgba(255,255,255,0.6); font-size: 0.85rem; }
.rate-item-val { color: #fff; font-weight: 700; font-size: 0.95rem; }
.rate-divider { border: none; border-top: 1px solid rgba(255,255,255,0.1); margin: 4px 0; }

/* ========== PROCESS ========== */
.process-bg { background: var(--light); }
.process-steps {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 0;
  position: relative;
}
.process-steps::before {
  content: '';
  position: absolute; top: 32px; left: 12%; right: 12%;
  height: 2px; background: linear-gradient(90deg, var(--accent), var(--blue));
  z-index: 0;
}
.step {
  display: flex; flex-direction: column; align-items: center;
  text-align: center; position: relative; z-index: 1;
}
.step-num {
  width: 64px; height: 64px; border-radius: 50%;
  background: #fff; border: 3px solid var(--accent);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; margin-bottom: 1.5rem;
  box-shadow: 0 4px 20px rgba(0,196,154,0.2);
}
.step:nth-child(2) .step-num { border-color: var(--blue); box-shadow: 0 4px 20px rgba(27,79,216,0.2); }
.step:nth-child(3) .step-num { border-color: var(--sky); }
.step:nth-child(4) .step-num { border-color: var(--gold); box-shadow: 0 4px 20px rgba(245,158,11,0.2); }
.step-label { font-size: 0.72rem; color: var(--accent); font-weight: 700; margin-bottom: 6px; letter-spacing: 0.5px; }
.step-title { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.step-desc { font-size: 0.82rem; color: var(--gray); line-height: 1.6; padding: 0 10px; }

/* ========== CALCULATOR ========== */
.calc-wrap {
  background: linear-gradient(135deg, #0A1F44 0%, #1B4FD8 100%);
  border-radius: 28px; padding: 56px; display: grid;
  grid-template-columns: 1fr 1fr; gap: 60px; align-items: center;
}
.calc-title { font-size: 1.8rem; font-weight: 900; color: #fff; letter-spacing: -0.8px; margin-bottom: 0.6rem; }
.calc-sub { color: rgba(255,255,255,0.6); font-size: 0.9rem; line-height: 1.7; margin-bottom: 2rem; }
.input-group { margin-bottom: 1.5rem; }
.input-label { color: rgba(255,255,255,0.7); font-size: 0.82rem; margin-bottom: 8px; display: block; font-weight: 500; }
.input-row { display: flex; align-items: center; gap: 10px; }
.range-input {
  flex: 1; -webkit-appearance: none;
  height: 6px; border-radius: 3px;
  background: rgba(255,255,255,0.15); outline: none;
}
.range-input::-webkit-slider-thumb {
  -webkit-appearance: none; width: 20px; height: 20px;
  border-radius: 50%; background: var(--accent); cursor: pointer;
  box-shadow: 0 2px 10px rgba(0,196,154,0.4);
}
.range-val {
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2);
  color: #fff; padding: 8px 14px; border-radius: 8px;
  font-weight: 700; font-size: 0.9rem; min-width: 90px; text-align: center;
}
.calc-result {
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.12);
  border-radius: 20px; padding: 32px;
}
.calc-result-title { color: rgba(255,255,255,0.6); font-size: 0.82rem; margin-bottom: 1rem; }
.monthly-pay { font-size: 2.8rem; font-weight: 900; color: var(--accent); letter-spacing: -1.5px; line-height: 1; margin-bottom: 0.4rem; }
.monthly-pay span { font-size: 1.2rem; font-weight: 600; }
.monthly-sub { color: rgba(255,255,255,0.45); font-size: 0.75rem; margin-bottom: 1.5rem; }
.calc-breakdown { display: flex; flex-direction: column; gap: 10px; }
.breakdown-row { display: flex; justify-content: space-between; }
.breakdown-label { color: rgba(255,255,255,0.5); font-size: 0.82rem; }
.breakdown-val { color: rgba(255,255,255,0.85); font-size: 0.82rem; font-weight: 600; }

/* ========== QUALIFICATIONS ========== */
.qual-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.qual-card {
  border: 1.5px solid var(--border); border-radius: 16px; padding: 28px 24px;
  transition: all 0.2s;
}
.qual-card:hover { border-color: var(--blue); background: var(--light); }
.qual-icon { font-size: 2rem; margin-bottom: 1rem; }
.qual-title { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 0.5rem; }
.qual-desc { font-size: 0.85rem; color: var(--gray); line-height: 1.6; }

/* ========== FAQ ========== */
.faq-bg { background: var(--light); }
.faq-list { display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: #fff; border-radius: 14px; overflow: hidden;
  border: 1px solid var(--border);
}
.faq-q {
  padding: 22px 24px; font-weight: 600; font-size: 0.95rem;
  cursor: pointer; display: flex; justify-content: space-between; align-items: center;
  color: var(--navy); transition: background 0.2s; user-select: none;
}
.faq-q:hover { background: var(--light); }
.faq-q.active { color: var(--blue); }
.faq-toggle { font-size: 1.2rem; transition: transform 0.3s; color: var(--gray); }
.faq-q.active .faq-toggle { transform: rotate(45deg); color: var(--blue); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.35s ease; }
.faq-a.open { max-height: 300px; }
.faq-a-inner {
  padding: 18px 24px 22px; color: var(--gray);
  font-size: 0.88rem; line-height: 1.8;
  border-top: 1px solid var(--border);
}

/* ========== CTA BANNER ========== */
.cta-banner {
  background: linear-gradient(135deg, var(--accent) 0%, #00a882 100%);
  padding: 80px 5%; text-align: center;
}
.cta-banner h2 { font-size: clamp(1.8rem, 3vw, 2.4rem); font-weight: 900; color: #fff; letter-spacing: -0.8px; margin-bottom: 0.8rem; }
.cta-banner p { color: rgba(255,255,255,0.85); margin-bottom: 2rem; font-size: 1rem; }
.cta-btns { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }
.btn-white {
  background: #fff; color: var(--accent); padding: 16px 36px; border-radius: 12px;
  font-size: 1rem; font-weight: 700; border: none; cursor: pointer; font-family: inherit;
  transition: all 0.25s;
}
.btn-white:hover { transform: translateY(-2px); box-shadow: 0 12px 30px rgba(0,0,0,0.15); }
.btn-ghost {
  background: transparent; color: #fff; padding: 16px 30px; border-radius: 12px;
  font-size: 1rem; font-weight: 500; border: 2px solid rgba(255,255,255,0.5);
  cursor: pointer; font-family: inherit; transition: all 0.25s;
}
.btn-ghost:hover { border-color: #fff; background: rgba(255,255,255,0.1); }

/* ========== FOOTER ========== */
footer { background: var(--navy); padding: 48px 5% 32px; }
.footer-inner { max-width: 1100px; margin: 0 auto; }
.footer-top {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px;
  padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,0.08); margin-bottom: 28px;
}
.footer-brand { color: #fff; font-size: 1.2rem; font-weight: 900; margin-bottom: 1rem; }
.footer-desc { color: rgba(255,255,255,0.45); font-size: 0.82rem; line-height: 1.7; }
.footer-col-title { color: rgba(255,255,255,0.7); font-size: 0.8rem; font-weight: 700; margin-bottom: 1rem; letter-spacing: 0.5px; }
.footer-links { display: flex; flex-direction: column; gap: 8px; }
.footer-links a { color: rgba(255,255,255,0.45); font-size: 0.82rem; text-decoration: none; transition: color 0.2s; }
.footer-links a:hover { color: rgba(255,255,255,0.8); }
.footer-bottom { color: rgba(255,255,255,0.3); font-size: 0.75rem; line-height: 1.7; }
.footer-disclaimer { margin-top: 16px; color: rgba(255,255,255,0.25); font-size: 0.72rem; line-height: 1.8; }

/* ========== ANIMATIONS ========== */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(30px); }
  to   { opacity: 1; transform: translateY(0); }
}
.hero-left { animation: fadeUp 0.8s ease forwards; }
.hero-card { animation: fadeUp 0.8s ease 0.2s both; }

/* ========== RESPONSIVE ========== */
@media (max-width: 768px) {
  .hero-inner        { grid-template-columns: 1fr; }
  .hero-card         { display: none; }
  .features-grid     { grid-template-columns: 1fr; }
  .details-grid      { grid-template-columns: 1fr; }
  .process-steps     { grid-template-columns: 1fr 1fr; }
  .process-steps::before { display: none; }
  .calc-wrap         { grid-template-columns: 1fr; padding: 32px 24px; }
  .qual-grid         { grid-template-columns: 1fr; }
  .footer-top        { grid-template-columns: 1fr 1fr; }
  .nav-links         { display: none; }
}