/* 01. Design tokens */
:root {
  --primary: #e14f63;
  --primary-dark: #b23347;
  --ink: #292929;
  --muted: #000;
  --line: #e9deda;
  --shadow: 0 22px 56px rgba(40, 34, 34, .14);
  --container: 1180px;
}

/* 02. Base / global */
* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: #fff;
  color: var(--ink);
  font-family: "Noto Sans KR", system-ui, sans-serif;
  font-size: 17px;
  line-height: 1.65;
  word-break: keep-all;
}

body.modal-open,
body.nav-open {
  overflow: hidden;
}

a {
  color: inherit;
  text-decoration: none;
}

button,
input,
select {
  font: inherit;
}

button {
  cursor: pointer;
}

img,
svg {
  display: block;
  max-width: 100%;
}

h4 {
  margin: 0;
  font-size: 24px;
}

.container {
  width: min(calc(100% - 40px), var(--container));
  margin-inline: auto;
}

.skip-link {
  position: fixed;
  top: -50px;
  left: 16px;
  z-index: 1000;
  padding: 10px 16px;
  border-radius: 8px;
  background: #111;
  color: #fff;
}

.skip-link:focus {
  top: 16px;
}

/* 03. Header / navigation */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid rgba(240, 231, 229, .9);
  background: rgba(255, 255, 255, .92);
  backdrop-filter: blur(16px);
  padding: 16px 0;
}

.header-inner {
  height: 78px;
  display: flex;
  align-items: center;
  gap: 34px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-right: auto;
}

.brand-mark {
  width: 50px;
  height: 50px;
  color: var(--primary);
}

.brand-mark img {
  width: 56px;
  height: 56px;
  object-fit: contain;
}

.brand-copy {
  display: flex;
  flex-direction: column;
  line-height: 1;
}

.brand-copy strong {
  font-size: 32px;
  letter-spacing: -.6px;
}

.desktop-nav {
  display: flex;
  align-items: center;
  gap: 36px;
  padding-bottom: 4px;
}

.desktop-nav a {
  position: relative;
  z-index: 1;
  font-size: 16px;
  font-weight: 500;
  line-height: 1.3;
}

.desktop-nav a::after {
  content: "";
  position: absolute;
  left: 50%;
  bottom: -5px;
  width: 0;
  height: 2px;
  background: var(--primary);
  transform: translateX(-50%);
  transition: width .25s;
}

.desktop-nav a:hover::after {
  width: 100%;
}

.menu-toggle {
  width: 42px;
  height: 42px;
  display: none;
  flex: 0 0 auto;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 6px;
  padding: 8px;
  border: 0;
  background: transparent;
}

.menu-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  border-radius: 2px;
  background: var(--ink);
  transition: transform .25s ease, opacity .25s ease;
}

.menu-toggle.is-open span:nth-child(1) {
  transform: translateY(8px) rotate(45deg);
}

.menu-toggle.is-open span:nth-child(2) {
  opacity: 0;
}

.menu-toggle.is-open span:nth-child(3) {
  transform: translateY(-8px) rotate(-45deg);
}

/* Header right / contact */
.header-right {
  display: flex;
  flex: 0 0 auto;
  flex-direction: column;
  align-items: flex-end;
  gap: 7px;
}

.header-contact {
  display: flex;
  align-items: center;
  gap: 14px;
}

.header-contact .contact-link {
  height: 32px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--ink);
  font-weight: 700;
  line-height: 1;
  white-space: nowrap;
}

.header-contact .contact-ico {
  width: 32px;
  height: 32px;
  display: inline-flex;
  flex: 0 0 auto;
  align-items: center;
  justify-content: center;
}

.header-contact .contact-ico img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}

.header-contact .contact-tel {
  height: 32px;
  display: inline-flex;
  align-items: center;
  font-size: 28px;
  line-height: 32px;
}

.header-contact .contact-tel .contact-txt {
  display: inline-flex;
  align-items: center;
  height: 32px;
  line-height: 32px;
  transform: translateY(-1px);
}

.header-contact .contact-kakao {
  display: none;
}

.mobile-menu,
.nav-dimmed {
  display: none;
}

/* 04. Hero */
.hero {
  position: relative;
  overflow: hidden;
  padding: 40px 0 38px;
  background: linear-gradient(135deg, #fff4f0 0%, #fffbf7 55%, #fff2ea 100%);
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(178, 51, 71, .12) 1px, transparent 1px);
  background-size: 28px 28px;
  mask-image: linear-gradient(to bottom, #000, transparent 70%);
  opacity: .5;
}

.hero-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(1px);
}

.hero-orb-one {
  top: -130px;
  left: -170px;
  width: 350px;
  height: 350px;
  background: rgba(225, 79, 99, .12);
}

.hero-orb-two {
  right: -100px;
  bottom: -100px;
  width: 270px;
  height: 270px;
  background: rgba(198, 47, 135, .048);
}

.hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 300px) 430px;
  align-items: center;
  gap: 18px;
}

.hero-copy,
.hero-illustration,
.quote-card {
  position: relative;
  z-index: 2;
}

.hero h1 {
  margin: 0 0 22px;
  font-size: clamp(42px, 5vw, 50px);
  line-height: 1.17;
  letter-spacing: -3px;
}

em {
  color: var(--primary);
  font-style: normal;
}

.hero-description {
  margin: 0;
  color: var(--muted);
  font-size: 20px;
  line-height: 1.8;
}

.hero-illustration {
  min-width: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  pointer-events: none;
}

.hero-illustration img {
  width: min(100%, 310px);
  height: auto;
  object-fit: contain;
  filter: drop-shadow(0 18px 34px rgba(38, 32, 32, .16));
}

/* 05. Quote form */
.quote-card {
  padding: 34px 34px 28px;
  border: 1px solid #ddd;
  border-radius: 30px;
  background: rgba(255, 255, 255, .94);
  box-shadow: var(--shadow);
}

#frm_sec {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 78px;
  grid-template-areas:
    "name name"
    "birth birth"
    "phone auth"
    "verify verify"
    "agree agree"
    "error error"
    "submit submit";
  align-items: end;
  column-gap: 8px;
}

#frm_sec .name-gender-row {
  grid-area: name;
}

#frm_sec>.field:nth-of-type(1) {
  grid-area: birth;
}

#frm_sec>.field:nth-of-type(2) {
  grid-area: phone;
  min-width: 0;
}

#frm_sec>.auth-request-button {
  grid-area: auth;
  width: 100%;
  height: 50px;
  min-height: 50px;
  margin: 0 0 16px;
  padding: 0 8px;
  font-size: 16px;
  line-height: 1;
}

#frm_sec>.verification-field {
  grid-area: verify;
}

#frm_sec>.agreement-row {
  grid-area: agree;
}

#frm_sec>.form-error {
  grid-area: error;
}

#frm_sec>.submit-button {
  grid-area: submit;
}

.form-row {
  display: grid;
  grid-template-columns: 1.25fr 1fr;
  gap: 12px;
}

/* 이름 입력 + 성별 선택 가로폭/폰트 정렬 */
.name-gender-row {
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  align-items: end;
  gap: 10px;
}

.name-gender-row .field,
.name-gender-row .gender-field {
  min-width: 0;
}

.field,
.gender-field {
  display: block;
  margin: 0 0 16px;
  padding: 0;
  border: 0;
}

.field>span {
  display: block;
  margin-bottom: 8px;
  color: #6b5f5d;
  font-size: 14px;
  font-weight: 700;
}

.field input,
.field select {
  width: 100%;
  height: 50px;
  padding: 0 14px;
  border: 1px solid #e7dad6;
  border-radius: 12px;
  outline: none;
  background: #fff;
  color: var(--ink);
  font-size: 18px;
  transition: .2s;
}

.field input:focus,
.field select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 4px rgba(178, 51, 71, .1);
}

.segmented.gender-options {
  height: 50px;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px;
}

.gender-option {
  min-width: 0;
  height: 50px;
  cursor: pointer;
}

.gender-option input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.gender-option span {
  width: 100%;
  height: 50px;
  display: grid;
  place-items: center;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: #fff;
  color: #756a68;
  font-size: 16px;
  font-weight: 800;
  transition: .2s;
}

.gender-option:hover span {
  border-color: #f0a89a;
  background: #fff7f3;
}

.gender-option input:focus-visible+span {
  outline: 4px solid rgba(225, 79, 99, .18);
  outline-offset: 2px;
}

.gender-option input:checked+span {
  border-color: var(--primary);
  background: var(--primary);
  color: #fff;
  box-shadow: 0 4px 12px rgba(201, 82, 89, .22);
}

.phone-inputs {
  display: grid;
  grid-template-columns: 92px 1fr 1fr;
  gap: 8px;
}

#frm_sec .phone-inputs {
  grid-template-columns: 60px minmax(0, 1fr) minmax(0, 1fr);
  gap: 6px;
}

#frm_sec .phone-inputs input,
#frm_sec .phone-inputs select {
  min-width: 0;
  padding-inline: 8px;
}

.phone-inputs select {
  appearance: none;
}

.auth-request-button,
.verification-confirm-button,
.verification-resend-button {
  border: 0;
  cursor: pointer;
  transition: transform .2s, background .2s, border-color .2s, opacity .2s;
}

.verification-confirm-button,
.verification-resend-button {
  width: 100%;
  height: 50px;
  margin: 0;
  padding: 0 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 10px;
  font-weight: 800;
  line-height: 1;
  white-space: nowrap;
}

.auth-request-button {
  width: 100%;
  min-height: 52px;
  margin: 0 0 14px;
  padding: 0 18px;
  border-radius: 12px;
  background: #46272a;
  color: #fff;
  font-size: 18px;
  font-weight: 600;
  line-height: 1;
  letter-spacing: 0;
  white-space: nowrap;
}

.auth-request-button:hover {
  background: #8a3930;
  transform: translateY(-1px);
}

.auth-request-button.is-sent {
  background: #84372f;
}

.auth-request-button.is-verified {
  background: #9d4137;
}

.verification-field {
  min-width: 0;
  margin: 0 0 16px;
}

.verification-field[hidden] {
  display: none !important;
}

.verification-label {
  display: block;
  margin: 0 !important;
}

.verification-label>span {
  display: block;
  margin-bottom: 8px;
  color: #6b5f5d;
  font-size: 14px;
  font-weight: 700;
  line-height: 1.4;
}

.verification-controls {
  width: 100%;
  display: grid;
  grid-template-columns: minmax(0, 1fr) 58px 68px;
  grid-template-areas:
    "code confirm resend"
    "timer timer timer";
  align-items: center;
  gap: 8px;
}

.verification-controls input {
  grid-area: code;
  width: 100%;
  min-width: 0;
  height: 50px;
  margin: 0;
  padding: 0 12px;
  border: 1px solid #e7dad6;
  border-radius: 10px;
  outline: none;
  background: #fff;
  color: var(--ink);
  line-height: 1;
}

.verification-controls input:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 4px rgba(178, 51, 71, .1);
}

.verification-controls input:disabled {
  background: #fbf4f1;
  color: #8d3b31;
}

.verification-confirm-button {
  grid-area: confirm;
  background: var(--primary);
  color: #fff;
}

.verification-confirm-button:hover {
  background: var(--primary-dark);
}

.verification-resend-button {
  grid-area: resend;
  border: 1px solid #f2dad0;
  background: #fff;
  color: #933d34;
}

.verification-resend-button:hover {
  border-color: var(--primary);
  color: var(--primary);
}

.auth-timer {
  grid-area: timer;
  min-height: 0;
  margin: -2px 2px 0;
  color: #e9465d;
  font-size: 12px;
  font-weight: 800;
  line-height: 1.4;
  text-align: right;
  white-space: nowrap;
}

.auth-timer:empty {
  display: none;
}

.auth-status {
  min-height: 18px;
  margin: 6px 0 0;
  color: var(--primary);
  font-size: 12px;
  font-weight: 700;
}

.auth-status.is-success {
  color: #903c32;
}

.auth-status.is-error,
.form-error {
  color: #e9465d;
}

.agreement-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  margin: 2px 0 8px;
}

.checkbox-label {
  min-width: 0;
  display: flex;
  align-items: center;
  gap: 8px;
  color: #6b5f5d;
  cursor: pointer;
}

.checkbox-label input {
  position: absolute;
  opacity: 0;
}

.fake-check {
  position: relative;
  flex: 0 0 auto;
  width: 20px;
  height: 20px;
  border: 1px solid #e5d8d4;
  border-radius: 6px;
  background: #fff;
}

.checkbox-label input:checked+.fake-check {
  border-color: var(--primary);
  background: var(--primary);
}

.checkbox-label input:checked+.fake-check::after {
  content: "";
  position: absolute;
  top: 4px;
  left: 6px;
  width: 4px;
  height: 8px;
  border: solid #fff;
  border-width: 0 2px 2px 0;
  transform: rotate(45deg);
}

.checkbox-label,
.text-button,
.form-error {
  font-size: 14px;
}

.text-button {
  flex: 0 0 auto;
  border: 0;
  background: transparent;
  color: var(--primary);
  font-weight: 700;
  text-decoration: underline;
}

.form-error {
  margin: 0 0 4px;
  font-weight: 600;
}

.submit-button {
  width: 100%;
  height: 58px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  border: 0;
  border-radius: 14px;
  background: linear-gradient(100deg, var(--primary-dark), var(--primary));
  color: #fff;
  box-shadow: 0 12px 24px rgba(178, 51, 71, .26);
  font-size: 22px;
  font-weight: 800;
  transition: .2s;
}

.submit-button:hover {
  box-shadow: 0 16px 28px rgba(178, 51, 71, .32);
  transform: translateY(-2px);
}

/* 06. Insurer marquee */
.insurer-strip {
  padding: 18px 0 0;
}

.insurer-inner {
  display: flex;
  align-items: center;
  gap: 24px;
  padding: 20px 24px;
  border: 1px solid #ddd;
  border-radius: 22px;
  background: #f6f6f6;
}

.insurer-inner p {
  margin: 0;
  color: var(--muted);
  font-size: 16px;
  line-height: 1.55;
}

.insurer-inner p strong {}

.marquee {
  min-width: 0;
  flex: 1;
  overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg,
      transparent,
      #000 7%,
      #000 93%,
      transparent);
  mask-image: linear-gradient(90deg,
      transparent,
      #000 7%,
      #000 93%,
      transparent);
}

.marquee-track {
  width: max-content;
  display: flex;
  gap: 15px;
  animation: roll 28s linear infinite;
}

.marquee:hover .marquee-track {
  animation-play-state: paused;
}

.marquee-track span {
  min-width: 165px;
  padding: 5px;
  border: 1px solid #ddd;
  border-radius: 10px;
  background: #fff;
  font-size: 13px;
  font-weight: 900;
}

.marquee-track img {
  display: block;
  width: 130px;
  height: auto;
  margin: 0 auto;
}

@keyframes roll {
  to {
    transform: translateX(-50%);
  }
}

/* 07. Main guide */
.section {
  padding: 40px 0;
}

.section-heading {
  max-width: 580px;
}

.section-heading h2 {
  margin: 16px 0;
  font-size: clamp(34px, 4vw, 38px);
  line-height: 1.3;
  letter-spacing: -2px;
}

.section-heading p {
  margin: 0;
  color: var(--muted);
  font-size: 18px;
  line-height: 1.8;
}

.guide-section,
.qna-section {
  background: #fff;
}

.guide-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.guide-card {
  position: relative;
  min-height: 290px;
  overflow: hidden;
  padding: 30px;
  border: 1px solid #ddd;
  border-radius: 22px;
  background: #fff;
  transition: .25s;
}

.guide-card:hover {
  box-shadow: 0 20px 44px rgba(40, 32, 32, .11);
  transform: translateY(-8px);
}

.card-number {
  position: absolute;
  top: 18px;
  right: 24px;
  color: rgba(43, 43, 43, .09);
  font-size: 58px;
  font-weight: 800;
  line-height: 1;
}

.card-icon {
  width: 54px;
  height: 54px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
}

.card-icon img {
  width: 54px;
  height: 54px;
  object-fit: contain;
}

.guide-card p {
  margin: 0 0 22px;
  color: var(--muted);
  font-size: 16px;
  line-height: 1.7;
}

.card-link {
  position: absolute;
  bottom: 26px;
  left: 30px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 0;
  border: 0;
  background: transparent;
  color: #1976d2;
  font-size: 16px;
  font-weight: 800;
}

/* 08. Comparison */
.compare-section {
  position: relative;
  overflow: hidden;
  background: #2d2d2d;
  color: #fff;
}

.compare-section::before {
  content: "";
  position: absolute;
  top: -250px;
  right: -220px;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: rgba(178, 51, 71, .32);
  filter: blur(1px);
}

.compare-grid {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 520px;
  align-items: center;
}

.compare-copy h2 {
  margin: 18px 0 22px;
  font-size: clamp(36px, 4vw, 40px);
  line-height: 1.3;
  letter-spacing: -2px;
}

.compare-copy>p {
  max-width: 570px;
  margin: 0;
  color: #d8cac5;
  line-height: 1.8;
}

.check-list {
  margin: 28px 0 34px;
  padding: 0;
  list-style: none;
}

.check-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  margin: 12px 0;
  color: #f7f1ee;
}

.check-list span {
  width: 24px;
  height: 24px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: rgba(255, 124, 124, .15);
  color: #9d9d9d;
  font-size: 12px;
  font-weight: 800;
}

.comparison-panel {
  overflow: hidden;
  border: 1px solid #e1e5ea;
  border-radius: 24px;
  background: #fff;
  color: #24272b;
  box-shadow: 0 24px 56px rgba(0, 0, 0, .24);
}

.panel-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 24px 26px;
  border-bottom: 1px solid #e3e7eb;
  background: #fff;
}

.panel-top span {
  color: #555c64;
  font-weight: 800;
}

.panel-top strong {
  color: #171a1f;
  font-size: 20px;
}

.comparison-row {
  min-height: 62px;
  display: grid;
  grid-template-columns: 1.1fr .55fr 1.05fr;
  align-items: center;
  padding: 0 26px;
  border-top: 1px solid #e4e8ec;
  background: #fff;
}

.comparison-row.head {
  min-height: 44px;
  border-top: 0;
  background: linear-gradient(90deg, #f2f6fa, #f8fafc);
  color: #6d747c;
  font-size: 14px;
}

.comparison-row strong {
  color: #24272b;
  font-weight: 800;
}

.comparison-row> :nth-child(3) {
  justify-self: end;
}

.dot.yes {
  justify-self: center;
  color: transparent;
  font-size: 0;
  line-height: 1;
}

.dot.yes::before {
  content: "✓";
  color: #d28b82;
  font-size: 24px;
  font-weight: 900;
  line-height: 1;
}

.tag {
  justify-self: end;
  min-width: 82px;
  padding: 8px 16px;
  border: 0;
  border-radius: 999px;
  background: linear-gradient(135deg, #1d3d69, #132e54);
  color: #fff;
  box-shadow: 0 4px 12px rgba(19, 46, 84, .18);
  font-size: 16px;
  line-height: 1.35;
  text-align: center;
}

.panel-foot {
  padding: 16px 26px;
  border-top: 1px solid #e4e8ec;
  background: #f8fafb;
  color: #747b83;
  font-size: 12px;
  line-height: 1.6;
}

/* 09. FAQ / Q&A */
.section-heading-row {
  max-width: none;
  display: block;
  margin-bottom: 30px;
}

.section-title-line {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.section-title-line h2 {
  min-width: 0;
  margin: 0;
}

.section-heading-row>p {
  margin-top: 12px;
}

.section-more-link {
  flex: 0 0 auto;
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  gap: 18px;
  padding: 0 20px;
  border: 1px solid #1976d2;
  border-radius: 12px;
  background: #fff;
  color: #1976d2;
  font-size: 16px;
  font-weight: 800;
  transition: .2s;
}

.section-more-link:hover {
  background: #1976d2;
  color: #fff;
  transform: translateY(-2px);
}

.section-more-link span {
  font-size: 18px;
}

.accordion {
  border-top: 2px solid var(--ink);
}

.accordion-item {
  border-bottom: 1px solid #e7dbd7;
}

.accordion-trigger {
  width: 100%;
  min-height: 80px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 20px 8px;
  border: 0;
  background: transparent;
  color: var(--ink);
  font-size: 18px;
  font-weight: 700;
  text-align: left;
}

.accordion-trigger b {
  color: #1976d2;
}

.accordion-trigger i {
  position: relative;
  flex: 0 0 auto;
  width: 22px;
  height: 22px;
}

.accordion-trigger i::before,
.accordion-trigger i::after {
  content: "";
  position: absolute;
  top: 10px;
  left: 4px;
  width: 16px;
  height: 2px;
  background: var(--ink);
  transition: .2s;
}

.accordion-trigger i::after {
  transform: rotate(90deg);
}

.accordion-item.open .accordion-trigger i::after {
  transform: rotate(0deg);
}

.accordion-content {
  padding: 8px 44px 16px;
  background: #f5f5f5;
}

.accordion-content p {
  margin: 0;
  color: var(--muted);
  font-size: 17px;
  line-height: 1.8;
}

/* 질문 2줄 이상 줄맞춤 */
.accordion-trigger>span {
  flex: 1;
  min-width: 0;
  padding-left: 36px;
  text-indent: -33px;
  line-height: 1.55;
}

.accordion-trigger>span b {
  display: inline-block;
  width: 28px;
  text-indent: 0;
}

/* 10. Subpages */
.subpage-shell {
  position: relative;
  background: #fff;
}

.subpage-top-copy {
  max-width: 930px;
  min-width: 0;
}

.breadcrumb {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px;
  margin-bottom: 30px;
  color: #c46d57;
  font-size: 16px;
}

.subpage-top-copy .breadcrumb {
  margin: 20px 0;
}

.breadcrumb a:hover {
  color: var(--primary);
}

.breadcrumb strong {
  color: #6f3e42;
}

.subpage-content-section {
  background: #fff;
}

.subpage-content-layout {
  display: grid;
  grid-template-columns: 256px minmax(0, 1fr);
  align-items: start;
  gap: 58px;
}

.subpage-left-column {
  position: sticky;
  top: 98px;
  min-width: 0;
  display: grid;
  align-self: start;
  gap: 18px;
}

.subpage-keyword-panel {
  overflow: hidden;
  margin: 0;
  border: 1px solid #f2dbd1;
  background: #fff;
  box-shadow: 0 12px 30px rgba(112, 43, 32, .07);
}

.subpage-keyword-head {
  display: block;
  padding: 24px 20px 22px;
  background: linear-gradient(135deg, #2d2d2d, #5f3539);
  color: #fff;
}

.subpage-keyword-head h2 {
  margin: 0;
  color: #fff;
  font-size: 26px;
  line-height: 1.35;
  letter-spacing: -.8px;
}

.subpage-keyword-nav {
  display: grid;
  grid-template-columns: 1fr;
  background: #fff;
}

.subpage-keyword-nav a {
  min-height: 66px;
  display: grid;
  grid-template-columns: 28px minmax(0, 1fr) 18px;
  align-items: center;
  gap: 8px;
  padding: 12px 16px;
  border-bottom: 1px solid #f6e7e1;
  background: #fff;
  color: #6f3e42;
  transition: .2s;
}

.subpage-keyword-nav a:last-child {
  border-bottom: 0;
}

.subpage-keyword-nav a:hover {
  position: relative;
  z-index: 1;
  padding-left: 20px;
  background: #fdfaf8;
  box-shadow: inset 4px 0 0 #ddbcb2;
}

.subpage-keyword-nav a.active {
  padding-left: 20px;
  background: linear-gradient(105deg, #e14f63, #be5246);
  color: #fff;
  box-shadow: inset 4px 0 0 #d39282;
}

.subpage-keyword-nav span {
  color: #737373;
  font-size: 12px;
  font-weight: 900;
}

.subpage-keyword-nav a.active span {
  color: rgba(255, 255, 255, .64);
}

.subpage-keyword-nav strong {
  min-width: 0;
  font-size: 16px;
  line-height: 1.4;
}

.subpage-keyword-nav i {
  color: var(--primary);
  font-size: 18px;
  font-style: normal;
  text-align: right;
}

.subpage-keyword-nav a.active i {
  color: #fff;
}

.subpage-right-column,
.subpage-main-column,
.article-main {
  min-width: 0;
}

.content-section {
  padding: 36px 20px;
  scroll-margin-top: 100px;
}

.content-section h2 {
  margin: 0 0 20px;
  font-size: clamp(28px, 3vw, 34px);
  line-height: 1.4;
  letter-spacing: -1.3px;
}

.content-section p {
  margin: 0 0 18px;
  font-size: 18px;
  line-height: 2.02;
}

.content-section p:last-child {
  margin-bottom: 0;
}

.intro-section {
  margin-top: 12px;
  padding: 34px;
  border: 1px solid #f5e3db;
  border-radius: 22px;
  background: linear-gradient(145deg, #fcf6f4, #fff);
}

.responsive-table {
  overflow-x: auto;
  border: 1px solid var(--line);
  border-radius: 16px;
}

.responsive-table table {
  width: 100%;
  min-width: 680px;
  border-collapse: collapse;
  background: #fff;
}

.responsive-table th,
.responsive-table td {
  padding: 16px 18px;
  border-bottom: 1px solid var(--line);
  font-size: 16px;
  line-height: 1.65;
  text-align: left;
}

.responsive-table thead th {
  background: #fbf3f0;
  color: #4c2a2d;
  font-weight: 800;
}

.responsive-table tbody th {
  width: 150px;
  background: #fdfaf9;
  color: var(--primary-dark);
}

.responsive-table tr:last-child th,
.responsive-table tr:last-child td {
  border-bottom: 0;
}

.table-note {
  margin-top: 12px !important;
  color: #8c7e7a !important;
  font-size: 12px !important;
}

.checklist-section {
  border-bottom: 0;
}

.article-checklist {
  display: grid;
  gap: 12px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.article-checklist label {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 16px 18px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fff;
  color: #85372f;
  font-size: 16px;
  font-weight: 600;
  line-height: 1.55;
  cursor: pointer;
  transition: .2s;
}

.article-checklist label:hover {
  border-color: #e1c5bc;
  background: #fdf9f7;
}

.article-checklist input {
  flex: 0 0 auto;
  width: 20px;
  height: 20px;
  margin-top: 2px;
  accent-color: var(--primary);
}

.article-accordion {
  margin-top: 12px;
}

.section-heading.center {
  margin: 0 auto 36px;
  text-align: center;
}

/* Subpage FAQ / Q&A */
.faq-page-list {
  padding-right: 0;
  padding-left: 0;
}

.faq-page-list>h2 {
  margin-bottom: 24px;
}

.faq-page-list .accordion-trigger {
  padding-right: 18px;
  padding-left: 18px;
}

.faq-page-list .accordion-content {
  padding: 4px 36px 8px;
}

/* Subpage thumbnail */
.subp_thumb {
  width: 100%;
  padding: 12px 0 0;
}

.subp_thumb img {
  width: 40%;
  height: auto;
  margin: 0 auto;
}

/* 11. Related links */
.related-section {
  margin-top: 24px;
  padding: 36px 0;
  overflow: hidden;
  background: #f5f5f5;
}

.subpage-shell+.related-section {
  border-top: 1px solid var(--line);
}

.related-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
}

.related-card {
  min-height: 46px;
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 12px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fff;
  transition: .2s;
}

.related-grid .related-card {
  min-height: 76px;
  padding: 16px 18px;
}

.related-card:hover {
  border-color: #dec0b7;
  box-shadow: 0 8px 20px rgba(150, 40, 55, .08);
  transform: translateY(-2px);
}

.related-card span {
  flex: 0 0 auto;
  color: #d18d7c;
  font-size: 12px;
  font-weight: 800;
}

.related-card strong {
  flex: 1;
  font-size: 14px;
}

.related-grid .related-card strong {
  font-size: 20px;
}

.related-card i {
  color: var(--primary);
  font-style: normal;
}

/* 12. Footer */
.site-footer {
  overflow-x: hidden;
  padding: 24px 0 0;
  background: #292929;
  color: #fff;
}

.footer-brand {
  display: flex;
  align-items: baseline;
  gap: 12px;
  margin-bottom: 28px;
}

.footer-brand strong {
  font-size: 28px;
}

.footer-notice {
  padding: 24px 0 28px;
  border-top: 1px solid rgba(255, 255, 255, .09);
  border-bottom: 1px solid rgba(255, 255, 255, .09);
}

.footer-notice h2 {
  margin: 0 0 16px;
  font-size: 18px;
}

.footer-notice ul {
  margin: 0;
  padding-left: 0;
  list-style: none;
}

.footer-notice li {
  margin: 8px 0;
  font-size: 17px;
  line-height: 1.75;
}

/* 하단 사업자정보 - 화면 전체 폭 화이트 영역 */
.footer-bottom {
  position: relative;
  isolation: isolate;
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  margin: 0;
  padding: 22px 0;
  background: #fff;
  color: #111;
}

.footer-bottom::before {
  content: "";
  position: absolute;
  top: 0;
  bottom: 0;
  left: 50%;
  z-index: -1;
  width: 100vw;
  border-top: 1px solid #ddd;
  background: #fff;
  transform: translateX(-50%);
}

.footer-bottom p {
  margin: 0;
  line-height: 1.6;
}

.footer-bottom p,
.footer-bottom button {
  font-size: 17px;
}

.footer-bottom button {
  flex: 0 0 auto;
  padding: 0;
  border: 0;
  background: transparent;
  color: #111;
  font-weight: 500;
  text-decoration: underline;
}

/* 13. Modal / result layers */
.modal {
  position: fixed;
  inset: 0;
  z-index: 1000;
  display: none;
  place-items: center;
  padding: 20px;
}

.modal.show {
  display: grid;
}

.modal-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(8, 8, 8, .68);
  backdrop-filter: blur(4px);
}

.modal-dialog {
  position: relative;
  z-index: 1;
  width: min(100%, 600px);
  max-height: min(82vh, 780px);
  display: flex;
  flex-direction: column;
  overflow: hidden;
  border-radius: 22px;
  background: #fff;
  box-shadow: 0 24px 80px rgba(65, 25, 19, .3);
}

.modal-head {
  flex: 0 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px 24px;
  border-bottom: 1px solid var(--line);
}

.modal-head h2 {
  margin: 0;
  font-size: 20px;
}

.modal-close {
  width: 42px;
  height: 42px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 2px;
  border: 0;
  border-radius: 50%;
  background: transparent;
}

.modal-close .close-icon-img {
  width: 36px;
  height: 36px;
  object-fit: contain;
}

.modal-body {
  overflow-y: auto;
  padding: 26px;
}

.modal-foot {
  flex: 0 0 auto;
  display: flex;
  justify-content: flex-end;
  padding: 18px 8px 8px;
  border-top: 1px solid var(--line);
}

.legal-copy p {
  margin: 0;
  color: var(--muted);
  font-size: 17px;
  line-height: 1.75;
}

.primary-small {
  min-width: 100px;
  height: 42px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0 18px;
  border: 0;
  border-radius: 10px;
  background: #1976d2;
  color: #fff;
  font-size: 20px;
  font-weight: 600;
}

.result-dialog {
  max-width: 430px;
  display: block;
  padding: 42px 34px 32px;
  text-align: center;
}

.result-icon {
  width: 72px;
  height: 72px;
  display: grid;
  place-items: center;
  margin: 0 auto 18px;
  border-radius: 50%;
  background: #f9eee9;
  color: #a5453a;
  font-size: 34px;
  font-weight: 800;
}

.result-label {
  color: var(--primary);
  font-size: 14px;
  font-weight: 800;
}

.result-dialog h2 {
  margin: 10px 0 16px;
  font-size: 24px;
  line-height: 1.45;
}

.result-dialog h2 strong {
  color: var(--primary);
}

.result-dialog p {
  margin: 0 0 26px;
  color: var(--muted);
  font-size: 16px;
  line-height: 1.75;
}

/* Result iframe layer */
#layer_bg {
  position: fixed;
  inset: 0;
  z-index: 1000;
  display: none;
  background: rgba(0, 0, 0, .5);
}

#result_popup {
  position: fixed;
  top: 50%;
  left: 50%;
  z-index: 9999;
  width: 90%;
  max-width: 800px;
  max-height: 90vh;
  display: none;
  overflow: hidden;
  border-radius: 4px;
  background: #fff;
  transform: translate(-50%, -50%);
}

.layer_header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 16px;
  border-bottom: 1px solid #ddd;
  background: #f5f5f5;
}

.layer_title {
  color: #222;
  font-size: 16px;
  font-weight: 700;
}

.layer_close {
  border: 0;
  background: none;
  color: #888;
  font-size: 18px;
}

.layer_body {
  max-height: calc(90vh - 50px);
  overflow-y: auto;
}

#layer_iframe {
  width: 100%;
  height: 70vh;
  display: block;
  border: 0;
}

/* 14. Responsive */
/* <= 1180px: Subpage layout */
@media (max-width: 1180px) {
  .subpage-content-layout {
    grid-template-columns: 230px minmax(0, 1fr);
    gap: 40px;
  }
}

/* <= 1024px: Navigation / main grids */
@media (max-width: 1024px) {

  /* Header right / contact */
  .header-right {
    flex-direction: row;
    align-items: center;
    gap: 4px;
  }

  .header-contact {
    gap: 6px;
  }

  .header-contact .contact-tel .contact-txt {
    display: none;
  }

  .header-contact .contact-link {
    width: 36px;
    height: 36px;
    justify-content: center;
    border-radius: 999px;
  }

  .header-contact .contact-kakao {
    display: inline-flex;
  }

  .desktop-nav {
    display: none;
  }

  .menu-toggle {
    display: flex;
  }

  .nav-dimmed {
    position: fixed;
    inset: 0;
    z-index: 1000;
    display: block;
    background: rgba(18, 20, 24, .58);
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: opacity .3s ease, visibility .3s ease;
  }

  .nav-dimmed.is-open {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
  }

  .mobile-menu {
    position: fixed;
    top: 0;
    right: 0;
    z-index: 1001;
    width: min(84vw, 360px);
    height: 100vh;
    height: 100dvh;
    display: flex;
    flex-direction: column;
    padding: 0 22px 28px;
    border: 0;
    background: #fff;
    box-shadow: -18px 0 44px rgba(0, 0, 0, .2);
    transform: translateX(100%);
    visibility: hidden;
    transition: transform .32s ease, visibility .32s ease;
  }

  .mobile-menu.is-open {
    transform: translateX(0);
    visibility: visible;
  }

  .mobile-menu[aria-hidden="true"] {
    pointer-events: none;
  }

  .mobile-menu.is-open[aria-hidden="false"] {
    pointer-events: auto;
  }

  .mobile-menu-head {
    min-height: 78px;
    display: flex;
    flex: 0 0 auto;
    align-items: center;
    justify-content: space-between;
    border-bottom: 1px solid var(--line);
  }

  .mobile-menu-head strong {
    font-size: 20px;
    letter-spacing: -.4px;
  }

  .nav-close {
    width: 42px;
    height: 42px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 2px;
    border: 0;
    border-radius: 50%;
    background: transparent;
  }

  .nav-close:hover {
    background: #f2f2f4;
  }

  .close-icon-img {
    width: 36px;
    height: 36px;
    object-fit: contain;
  }

  .mobile-menu-list {
    min-height: 0;
    overflow-y: auto;
    overscroll-behavior: contain;
    padding: 12px 0;
  }

  .mobile-menu-list a {
    display: block;
    padding: 16px 4px;
    border-bottom: 1px solid #f0e8e5;
    color: var(--ink);
    font-weight: 700;
  }

  .mobile-menu-list a:hover,
  .mobile-menu-list a:focus-visible {
    color: var(--primary-dark);
  }

  .hero h1 {
    font-size: 32px;
  }

  .guide-grid {
    margin-top: 16px;
    grid-template-columns: repeat(2, 1fr);
  }

  .compare-grid {
    grid-template-columns: 1fr 460px;
  }
}

/* <= 900px: Subpage single-column */
@media (max-width: 900px) {
  .subpage-top-copy {
    margin-inline: auto;
    text-align: center;
  }

  .subpage-top-copy .breadcrumb {
    justify-content: center;
  }

  .subpage-content-layout {
    grid-template-columns: 1fr;
    gap: 34px;
  }

  .subpage-left-column {
    position: static;
  }

  .subpage-keyword-panel {
    border-radius: 16px;
  }

  .subpage-keyword-head {
    padding: 18px 20px;
  }

  .subpage-keyword-head h2 {
    font-size: 20px;
  }

  .subpage-keyword-nav {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .subpage-keyword-nav a:nth-child(odd) {
    border-right: 1px solid #f6e7e1;
  }
}

/* <= 820px: Tablet / mobile layout */
@media (max-width: 820px) {
  .container {
    width: min(calc(100% - 32px), var(--container));
  }

  .header-inner {
    height: 68px;
  }

  .brand-mark {
    width: 40px;
  }

  .brand-copy strong {
    font-size: 20px;
  }

  .hero {
    padding: 32px 0 28px;
  }

  .hero-grid {
    grid-template-columns: minmax(0, 1fr) 112px;
    grid-template-areas:
      "hero-title hero-art"
      "hero-desc hero-desc"
      "hero-form hero-form";
    column-gap: 10px;
    row-gap: 16px;
  }

  .hero-copy {
    display: contents;
  }

  .hero-copy h1 {
    grid-area: hero-title;
    align-self: center;
    margin: 0;
    font-size: clamp(32px, 8.2vw, 36px);
    line-height: 1.18;
    letter-spacing: -1.8px;
  }

  .hero-description {
    grid-area: hero-desc;
    width: 100%;
    max-width: none;
    margin: 0;
    font-size: 17px;
    line-height: 1.7;
  }

  .hero-illustration {
    grid-area: hero-art;
    width: 112px;
    max-width: 112px;
    align-self: end;
    justify-self: end;
    align-items: flex-end;
    justify-content: flex-end;
  }

  .hero-illustration img {
    width: 112px;
    max-width: 112px;
    filter: drop-shadow(0 8px 16px rgba(38, 32, 32, .12));
  }

  .quote-card {
    grid-area: hero-form;
    width: 100%;
    max-width: none;
    margin: 0;
  }

  .section {
    padding: 0;
  }

  .compare-grid {
    grid-template-columns: 1fr;
  }

  .check-list {
    display: inline-block;
    text-align: left;
  }

  .comparison-panel {
    width: min(100%, 560px);
    margin-inline: auto;
  }

  .faq-section .section-heading {
    max-width: none;
  }

  .section-heading p {
    font-size: 16px;
  }

  .guide-card {
    min-height: 296px;
  }

  .section-heading-row {
    text-align: left;
  }

  .subpage-shell>section[aria-labelledby="pageTitle"] {
    display: none !important;
  }

  .subpage-left-column,
  .subpage-keyword-panel {
    display: none !important;
  }

  .subpage-content-layout {
    grid-template-columns: minmax(0, 1fr) !important;
    gap: 0 !important;
  }

  .subpage-right-column,
  .subpage-main-column,
  .article-main {
    width: 100%;
    min-width: 0;
  }

  .subpage-shell .subpage-content-section,
  .subpage-shell .info-hub-content {
    margin-top: 0 !important;
    padding-top: 0 !important;
  }
}

/* <= 768px: Subpage thumbnail */
@media (max-width: 768px) {
  .subp_thumb img {
    width: 75%;
  }
}

/* <= 600px: Mobile */
@media (max-width: 600px) {

  /* Layout */
  .container {
    width: min(calc(100% - 24px), var(--container));
    gap: 10px;
  }

  /* Hero */
  .hero {
    padding: 28px 0 24px;
  }

  .hero-grid {
    grid-template-columns: minmax(0, 1fr) 104px;
    column-gap: 8px;
    row-gap: 14px;
  }

  .hero-copy h1 {
    font-size: clamp(28px, 8vw, 32px);
    line-height: 1.2;
    letter-spacing: -1.5px;
  }

  .hero-description {
    line-height: 1.5;
  }

  .hero-illustration,
  .hero-illustration img {
    width: 104px;
    max-width: 104px;
  }

  /* Quote form */
  .quote-card {
    padding: 24px 18px 22px;
    border-radius: 22px;
  }

  .form-row {
    grid-template-columns: 1fr 132px;
    gap: 8px;
  }

  .name-gender-row {
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
    gap: 8px;
  }

  .name-gender-row .gender-option span {
    font-size: 17px;
  }

  .field input,
  .field select {
    height: 48px;
    font-size: 17px;
  }

  .agreement-row {
    align-items: flex-start;
  }

  .checkbox-label {
    align-items: flex-start;
    line-height: 1.5;
  }

  .verification-controls {
    grid-template-columns: minmax(0, 1fr) 54px 64px;
    gap: 6px;
  }

  .verification-controls input {
    padding-inline: 10px;
    font-size: 17px;
  }

  .verification-confirm-button,
  .verification-resend-button {
    padding-inline: 4px;
  }

  .verification-controls .auth-timer {
    padding-right: 2px;
  }

  /* Insurer marquee */
  .insurer-inner>p {
    display: none;
  }

  /* Main / Guide */
  .section {
    padding: 8px 0 16px;
  }

  .section-heading h2 {
    font-size: 34px;
  }

  .section-title-line h2 {
    font-size: clamp(24px, 7.4vw, 32px);
    letter-spacing: -2.5px;
  }

  .section-more-link {
    min-width: auto;
    white-space: nowrap;
  }

  .guide-grid {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  .guide-card {
    min-height: 284px;
  }

  /* Comparison */
  .compare-copy {
    padding: 8px;
  }

  .compare-copy h2 {
    font-size: 30px;
  }

  .comparison-row {
    grid-template-columns: 1.05fr .55fr 1.05fr;
    padding: 0 16px;
  }

  .panel-top {
    padding: 20px 18px;
  }

  .panel-top strong {
    font-size: 17px;
  }

  .tag {
    min-width: 74px;
    padding: 6px 12px;
    font-size: 12px;
  }

  .dot.yes::before {
    font-size: 20px;
  }

  /* FAQ / Q&A */
  .accordion-trigger {
    min-height: 72px;
    font-size: 17px;
  }

  .accordion-content {
    padding: 4px 36px 8px 42px;
  }

  /* Related links */
  .related-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .related-grid .related-card {
    min-width: 0;
    min-height: 64px;
    padding: 14px 16px;
  }

  .related-grid .related-card strong {
    min-width: 0;
    font-size: 17px;
    line-height: 1.45;
  }

  /* Footer */
  .footer-brand {
    align-items: flex-start;
    flex-direction: column;
    gap: 8px;
  }

  .footer-bottom {
    align-items: flex-start;
    flex-direction: column;
    gap: 12px;
    padding: 20px 12px;
  }

  /* Modal */
  .modal {
    padding: 12px;
  }

  .modal-dialog {
    max-height: 88vh;
    border-radius: 16px;
  }

  .modal-head {
    padding: 18px;
  }

  .modal-body {
    padding: 20px;
  }

  .result-dialog {
    padding: 36px 22px 24px;
  }

  .mobile-menu a {
    font-size: 16px;
  }

  .site-header {
    padding: 0;
  }
}

/* <= 480px: Small mobile */
@media (max-width: 480px) {
  .subp_thumb {
    display: none;
  }

  #result_popup {
    width: 95%;
  }

  #layer_iframe {
    height: 60vh;
  }
}

/* <= 390px: Extra-small mobile */
@media (max-width: 390px) {
  .name-gender-row {
    gap: 6px;
  }

  .gender-field {
    margin-top: -4px;
  }

  .hero-grid {
    grid-template-columns: minmax(0, 1fr) 88px;
    column-gap: 6px;
    row-gap: 12px;
  }

  .hero-copy h1 {
    font-size: 28px;
    line-height: 1.2;
    letter-spacing: -1.3px;
  }

  .hero-description {
    font-size: 14px;
    line-height: 1.65;
  }

  .hero-illustration,
  .hero-illustration img {
    width: 88px;
    max-width: 88px;
  }
}

/* =========================================================
   Mobile minimum width
   - 360px 이하에서는 레이아웃이 더 이상 축소되지 않도록 고정
   ========================================================= */
@media (max-width: 360px) {

  html,
  body {
    min-width: 360px;
  }
}