/* ==========================================================================
   든든한대부중개 (DEUNDEUN LOAN) - Naver Green Fintech Theme (Desktop / Web Style)
   ========================================================================== */

:root {
    --naver-green: #03C75A;
    --naver-green-hover: #02b350;
    --naver-green-dark: #00873a;
    --naver-green-light: #E6F9EE;
    --naver-green-tint: rgba(3, 199, 90, 0.08);

    --bg-main: #F8F9FA;
    --bg-card: #FFFFFF;
    --text-primary: #1E293B;
    --text-secondary: #475569;
    --text-muted: #94A3B8;

    --accent-gold: #F59E0B;
    --accent-red: #EF4444;
    --border-color: #E2E8F0;
    --border-green: #A7F3D0;

    --shadow-sm: 0 2px 4px rgba(0, 0, 0, 0.04);
    --shadow-md: 0 10px 25px -5px rgba(3, 199, 90, 0.1), 0 8px 10px -6px rgba(0, 0, 0, 0.04);
    --shadow-lg: 0 20px 35px -10px rgba(0, 0, 0, 0.12);
    --radius-sm: 8px;
    --radius-md: 16px;
    --radius-lg: 24px;
    --transition-fast: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
    font-family: 'Noto Sans KR', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
    -webkit-font-smoothing: antialiased;
}

body {
    background-color: var(--bg-main);
    color: var(--text-primary);
    line-height: 1.6;
    overflow-x: hidden;
    padding-bottom: 125px;
    /* 고정 하단 바 높이 공간 확보 */
}

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

button {
    cursor: pointer;
    border: none;
    outline: none;
    background: none;
}

ul {
    list-style: none;
}

.container {
    max-width: 1240px;
    margin: 0 auto;
    padding: 0 24px;
}

.text-naver-green {
    color: var(--naver-green) !important;
}

.highlight-green {
    color: var(--naver-green);
    position: relative;
    display: inline-block;
}

.highlight-green::after {
    content: '';
    position: absolute;
    bottom: 2px;
    left: 0;
    width: 100%;
    height: 8px;
    background-color: var(--naver-green-light);
    z-index: -1;
    border-radius: 4px;
}

/* Top Notice Bar */
.top-bar {
    background-color: #0F172A;
    color: #F8FAFC;
    font-size: 0.85rem;
    padding: 10px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.top-bar-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.registration-badge {
    display: flex;
    align-items: center;
    gap: 10px;
}

.pulse-dot {
    width: 8px;
    height: 8px;
    background-color: var(--naver-green);
    border-radius: 50%;
    box-shadow: 0 0 0 0 rgba(3, 199, 90, 0.7);
    animation: pulse 1.8s infinite;
}

@keyframes pulse {
    0% {
        transform: scale(0.95);
        box-shadow: 0 0 0 0 rgba(3, 199, 90, 0.7);
    }

    70% {
        transform: scale(1);
        box-shadow: 0 0 0 8px rgba(3, 199, 90, 0);
    }

    100% {
        transform: scale(0.95);
        box-shadow: 0 0 0 0 rgba(3, 199, 90, 0);
    }
}

.btn-verify-link {
    color: var(--naver-green);
    font-size: 0.8rem;
    font-weight: 600;
    background: rgba(3, 199, 90, 0.15);
    padding: 3px 10px;
    border-radius: 20px;
    transition: var(--transition-fast);
}

.btn-verify-link:hover {
    background: var(--naver-green);
    color: #FFF;
}

.m-break {
    display: none;
}

.top-contacts {
    display: flex;
    align-items: center;
    gap: 20px;
}

.top-phone {
    color: var(--naver-green);
    font-weight: 700;
    font-size: 0.95rem;
}

/* Header Navigation */
.header {
    background-color: var(--bg-card);
    border-bottom: 1px solid var(--border-color);
    position: sticky;
    top: 0;
    z-index: 999;
    box-shadow: var(--shadow-sm);
}

.header-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    min-height: 88px;
    height: auto;
    padding: 6px 0;
}

.logo {
    display: flex;
    align-items: center;
    gap: 12px;
}

.header-logo-img {
    height: 75px;
    width: auto;
    max-height: 75px;
    object-fit: contain;
    display: block;
}

.drawer-logo-img {
    height: 48px;
    width: auto;
    max-height: 50px;
    object-fit: contain;
    display: block;
}

.gnb ul {
    display: flex;
    gap: 32px;
}

.gnb a {
    font-size: 1rem;
    font-weight: 600;
    color: var(--text-secondary);
    padding: 24px 0;
    display: flex;
    align-items: center;
    gap: 6px;
    transition: var(--transition-fast);
}

.gnb li.active a,
.gnb a:hover {
    color: var(--naver-green);
}

.has-dropdown {
    position: relative;
}

.dropdown-icon {
    font-size: 0.75rem;
    transition: var(--transition-fast);
}

.has-dropdown:hover .dropdown-icon {
    transform: rotate(180deg);
}

.dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    width: 240px;
    background: #FFF;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--border-color);
    padding: 12px 0;
    display: block !important;
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: var(--transition-fast);
}

.has-dropdown:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.dropdown-menu li a {
    padding: 10px 20px !important;
    font-size: 0.9rem !important;
    color: var(--text-primary) !important;
    display: flex !important;
    align-items: center !important;
    gap: 10px !important;
}

.dropdown-menu li a:hover {
    background-color: var(--naver-green-light);
    color: var(--naver-green) !important;
}

.btn-kakao-top {
    background-color: #FEE500;
    color: #3C1E1E;
    font-weight: 700;
    font-size: 0.9rem;
    padding: 10px 18px;
    border-radius: 30px;
    display: flex;
    align-items: center;
    gap: 8px;
    transition: var(--transition-fast);
    box-shadow: 0 4px 10px rgba(0, 0, 0, 0.05);
}

.btn-kakao-top:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 15px rgba(0, 0, 0, 0.1);
}

.mobile-menu-toggle {
    display: none;
}

/* Scroll Reveal & Slide Motion (좌우 슬라이드 연출) */
.reveal-from-left {
    opacity: 0;
    transform: translateX(-60px);
    transition: opacity 0.8s cubic-bezier(0.16, 1, 0.3, 1), transform 0.8s cubic-bezier(0.16, 1, 0.3, 1);
    will-change: opacity, transform;
}

.reveal-from-right {
    opacity: 0;
    transform: translateX(60px);
    transition: opacity 0.8s cubic-bezier(0.16, 1, 0.3, 1), transform 0.8s cubic-bezier(0.16, 1, 0.3, 1);
    will-change: opacity, transform;
}

.reveal-from-left.is-revealed,
.reveal-from-right.is-revealed {
    opacity: 1;
    transform: translateX(0);
}

.reveal-on-scroll {
    opacity: 0;
    transform: translateY(35px);
    transition: opacity 0.8s cubic-bezier(0.16, 1, 0.3, 1), transform 0.8s cubic-bezier(0.16, 1, 0.3, 1);
    will-change: opacity, transform;
}

.reveal-on-scroll.is-revealed {
    opacity: 1;
    transform: translateY(0);
}

/* SCROLLTELLING STYLES (Apple & Toss Style Scrollytelling) */
.scrolly-story-section {
    padding: 110px 0;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.dark-story {
    background: linear-gradient(135deg, #090D16 0%, #0F172A 100%);
    color: #FFF;
    border-top: 1px solid rgba(255, 255, 255, 0.05);
    border-bottom: 1px solid rgba(255, 255, 255, 0.05);
}

.green-story {
    background: linear-gradient(135deg, #064E3B 0%, #047857 100%);
    color: #FFF;
}

.story-tag {
    font-size: 0.85rem;
    font-weight: 900;
    background: rgba(255, 255, 255, 0.1);
    color: var(--accent-gold);
    padding: 6px 18px;
    border-radius: 20px;
    letter-spacing: 1.5px;
    display: inline-block;
    margin-bottom: 24px;
}

.story-tag.green-tag {
    color: #34D399;
    background: rgba(52, 211, 153, 0.15);
}

.story-title {
    font-size: 2.9rem;
    font-weight: 900;
    line-height: 1.35;
    letter-spacing: -1px;
    margin-bottom: 20px;
}

.highlight-text-gold {
    color: #FBBF24;
    text-shadow: 0 0 25px rgba(251, 191, 36, 0.4);
}

.story-desc {
    font-size: 1.25rem;
    color: #CBD5E1;
    max-width: 820px;
    margin: 0 auto;
    line-height: 1.65;
}

.story-stats-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 36px;
    margin-top: 60px;
}

.stat-box {
    background: rgba(255, 255, 255, 0.08);
    backdrop-filter: blur(12px);
    border-radius: 28px;
    padding: 44px 24px;
    border: 1px solid rgba(255, 255, 255, 0.18);
    box-shadow: 0 15px 35px rgba(0, 0, 0, 0.25);
    transition: var(--transition-fast);
}

.stat-box:hover {
    transform: translateY(-8px);
    background: rgba(255, 255, 255, 0.12);
    border-color: #34D399;
}

.stat-number {
    font-size: 4.2rem;
    font-weight: 900;
    color: #34D399;
    line-height: 1;
    margin-bottom: 12px;
    letter-spacing: -1px;
}

.stat-number span {
    font-size: 2rem;
    margin-left: 4px;
}

.stat-label {
    font-size: 1.15rem;
    font-weight: 800;
    color: #F8FAFC;
}

/* 2. Core 3 Pillars Section (3대 메인 카테고리: 빠른대출 · 낮은금리 · 비밀상담) */
.core-pillars-section {
    padding: 85px 0;
    background-color: var(--bg-main);
}

.pillars-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}

.pillar-card {
    background: #FFF;
    border-radius: var(--radius-lg);
    padding: 48px 32px;
    border: 1px solid var(--border-color);
    box-shadow: var(--shadow-sm);
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    cursor: pointer;
    transition: var(--transition-fast);
}

.pillar-card:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-md);
    border-color: var(--naver-green);
}

.pillar-card.highlight-pillar {
    border: 2px solid var(--naver-green);
    background: linear-gradient(180deg, var(--naver-green-light) 0%, #FFFFFF 100%);
    box-shadow: 0 12px 30px rgba(3, 199, 90, 0.18);
}

.pillar-icon {
    width: 84px;
    height: 84px;
    border-radius: 24px;
    background: var(--naver-green-light);
    color: var(--naver-green);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2.8rem;
    margin-bottom: 22px;
    box-shadow: 0 6px 15px rgba(3, 199, 90, 0.12);
}

.highlight-pillar .pillar-icon {
    background: var(--naver-green);
    color: #FFF;
    box-shadow: 0 8px 20px rgba(3, 199, 90, 0.35);
}

.p-big-title {
    font-size: 2.1rem;
    font-weight: 900;
    color: var(--text-primary);
    margin-bottom: 8px;
    letter-spacing: -0.5px;
}

.p-big-sub {
    font-size: 1.15rem;
    font-weight: 800;
    color: var(--naver-green-dark);
    margin-bottom: 24px;
}

.p-big-arrow {
    font-size: 1rem;
    font-weight: 800;
    color: var(--naver-green);
    display: flex;
    align-items: center;
    gap: 8px;
    background: var(--naver-green-light);
    padding: 8px 18px;
    border-radius: 30px;
    transition: var(--transition-fast);
}

.pillar-card:hover .p-big-arrow {
    background: var(--naver-green);
    color: #FFF;
}

/* Hero Section (Sticky Pinned Scroll: 글자가 모일 때까지 화면 고정) */
.hero-sticky-wrapper {
    position: relative;
    height: 220vh;
    /* 스크롤 내리는 동안 화면 고정 트랙 높이 */
}

.hero-section {
    position: sticky;
    top: 0;
    width: 100%;
    height: 85vh;
    min-height: 85vh;
    padding: 115px 0 0;
    background: linear-gradient(rgba(15, 23, 42, 0.75), rgba(15, 23, 42, 0.88)), url('/images/main.webp') no-repeat center center / cover;
    text-align: center;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: flex-start;
    color: #FFF;
    overflow: hidden;
}

.hero-full-container {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: flex-start;
    width: 100%;
    position: relative;
    z-index: 2;
}

.hero-intro-area {
    text-align: center;
    max-width: 960px;
    margin: 0 auto;
    transform: translateY(15px);
    opacity: 1 !important;
    visibility: visible !important;
}

.trust-pill {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: rgba(255, 255, 255, 0.12);
    backdrop-filter: blur(10px);
    color: #34D399;
    font-weight: 800;
    font-size: 1rem;
    padding: 10px 24px;
    border-radius: 30px;
    border: 1px solid rgba(255, 255, 255, 0.25);
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.3);
    margin-bottom: 28px;
}

.hero-title {
    font-size: 4.8rem;
    font-weight: 900;
    line-height: 1.2;
    letter-spacing: -2px;
    color: #FFFFFF;
    margin-bottom: 24px;
    word-break: keep-all;
    text-shadow: 0 4px 20px rgba(0, 0, 0, 0.5);
}

.hero-section .hero-desc,
.hero-desc {
    font-size: 1.15rem !important;
    color: #FFFFFF !important;
    line-height: 1.65;
    font-weight: 400 !important;
    word-break: keep-all;
    text-shadow: 0 2px 10px rgba(0, 0, 0, 0.7) !important;
    opacity: 0.9 !important;
}

/* Reference Style: Hero Bottom Giant Slide Bar (좌측 아웃라인 'SPEED LOAN' & 우측 'LOW RATE') */
.hero-giant-slide-bar {
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
    padding: 0 50px 15px 0;
    /* 좌측 벽면 바짝 밀착, 우측 여유 */
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
    pointer-events: none;
    z-index: 5;
    overflow: hidden;
}

.giant-left-text.text-outline {
    font-size: clamp(3.8rem, 8.8vw, 11.5rem);
    font-weight: 900;
    font-family: 'Outfit', 'Montserrat', 'Pretendard', sans-serif;
    color: transparent;
    -webkit-text-stroke: 2.5px #03C75A;
    /* 글자 가운데를 비운 테두리 아웃라인 */
    letter-spacing: -3px;
    line-height: 1;
    white-space: nowrap;
    will-change: transform, opacity;
    transition: transform 0.15s cubic-bezier(0.1, 0.9, 0.2, 1), opacity 0.15s ease;
    text-shadow: none;
}

.giant-right-text.text-solid {
    font-size: clamp(3.8rem, 8.8vw, 11.5rem);
    font-weight: 900;
    font-family: 'Outfit', 'Montserrat', 'Pretendard', sans-serif;
    color: #FFFFFF;
    letter-spacing: -2px;
    line-height: 1;
    white-space: nowrap;
    will-change: transform, opacity;
    transition: transform 0.15s cubic-bezier(0.1, 0.9, 0.2, 1), opacity 0.15s ease;
    text-shadow: none;
}

.hero-interactive-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 28px;
    align-items: center;
    margin-top: 10px;
}

/* Left Visual Slide Card */
.slide-visual-card {
    background: #FFF;
    border-radius: var(--radius-lg);
    padding: 28px;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border-color);
    display: flex;
    align-items: center;
    gap: 20px;
    height: 100%;
}

.slide-worker-img {
    width: 115px;
    height: 115px;
    border-radius: 50%;
    object-fit: cover;
    border: 4px solid var(--naver-green);
    box-shadow: 0 6px 15px rgba(3, 199, 90, 0.2);
    flex-shrink: 0;
}

.slide-tag {
    font-size: 0.78rem;
    font-weight: 800;
    color: var(--naver-green-dark);
    background: var(--naver-green-light);
    padding: 4px 12px;
    border-radius: 20px;
    display: inline-block;
    margin-bottom: 8px;
}

.slide-worker-content h3 {
    font-size: 1.15rem;
    font-weight: 900;
    color: var(--text-primary);
    line-height: 1.4;
    margin-bottom: 6px;
    word-break: keep-all;
}

.slide-worker-content p {
    font-size: 0.85rem;
    color: var(--text-muted);
}

/* Right 3-Core Specs Slide List */
.hero-core-specs {
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.spec-mini-item {
    background: #FFF;
    border-radius: var(--radius-md);
    padding: 18px 24px;
    border: 1px solid var(--border-color);
    display: flex;
    align-items: center;
    gap: 18px;
    cursor: pointer;
    box-shadow: var(--shadow-sm);
    transition: var(--transition-fast);
}

.spec-mini-item:hover {
    transform: translateX(8px);
    border-color: var(--naver-green);
    box-shadow: var(--shadow-md);
}

.spec-mini-item.highlight {
    border: 2px solid var(--naver-green);
    background: linear-gradient(135deg, var(--naver-green-light) 0%, #FFFFFF 100%);
    box-shadow: 0 6px 20px rgba(3, 199, 90, 0.15);
}

.spec-mini-icon {
    width: 52px;
    height: 52px;
    border-radius: 16px;
    background: var(--naver-green-light);
    color: var(--naver-green);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.6rem;
    flex-shrink: 0;
}

.highlight .spec-mini-icon {
    background: var(--naver-green);
    color: #FFF;
    box-shadow: 0 4px 12px rgba(3, 199, 90, 0.3);
}

.spec-mini-text {
    flex-grow: 1;
}

.spec-mini-text h4 {
    font-size: 1.15rem;
    font-weight: 900;
    color: var(--text-primary);
    margin-bottom: 2px;
}

.spec-mini-text p {
    font-size: 0.92rem;
    color: var(--text-secondary);
}

.spec-mini-text strong {
    color: var(--naver-green-dark);
}

.spec-arrow {
    font-size: 1.2rem;
    color: var(--text-muted);
    transition: var(--transition-fast);
}

.spec-mini-item:hover .spec-arrow {
    color: var(--naver-green);
    transform: translateX(4px);
}

.hero-desc {
    font-size: 1.15rem;
    color: var(--text-secondary);
    line-height: 1.6;
}

.hero-widgets-grid {
    display: grid;
    grid-template-columns: 0.9fr 1.1fr;
    gap: 32px;
    align-items: center;
}

.hero-worker-card {
    background: var(--bg-card);
    border-radius: var(--radius-lg);
    padding: 24px;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border-color);
    display: flex;
    align-items: center;
    gap: 20px;
}

.worker-img {
    width: 100px;
    height: 100px;
    border-radius: 50%;
    object-fit: cover;
    border: 3px solid var(--naver-green);
}

.w-tag {
    font-size: 0.78rem;
    font-weight: 800;
    color: var(--naver-green);
    background: var(--naver-green-light);
    padding: 3px 10px;
    border-radius: 20px;
    display: inline-block;
    margin-bottom: 6px;
}

.w-quote {
    font-size: 1.1rem;
    font-weight: 900;
    color: var(--text-primary);
    line-height: 1.35;
    margin-bottom: 6px;
}

.w-sub {
    font-size: 0.85rem;
    color: var(--text-muted);
}

/* Quiz Card */
.quiz-card {
    background: var(--bg-card);
    border-radius: var(--radius-lg);
    padding: 28px;
    box-shadow: var(--shadow-md);
    border: 2px solid var(--border-green);
}

.quiz-header {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 18px;
}

.quiz-badge {
    background-color: var(--naver-green);
    color: #FFF;
    font-size: 0.8rem;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: 6px;
}

.quiz-title {
    font-size: 1.15rem;
    font-weight: 800;
}

.step-question {
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 14px;
    color: var(--naver-green-dark);
}

.option-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
}

.opt-btn {
    background: var(--bg-main);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-sm);
    padding: 14px;
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--text-primary);
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    transition: var(--transition-fast);
}

.opt-btn:hover {
    background: var(--naver-green-light);
    border-color: var(--naver-green);
    color: var(--naver-green);
}

.quiz-step {
    display: none;
}

.quiz-step.active {
    display: block;
    animation: fadeIn 0.4s ease;
}

@keyframes fadeIn {
    from {
        opacity: 0;
        transform: translateY(8px);
    }

    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.result-box {
    display: flex;
    align-items: center;
    gap: 20px;
    background: var(--naver-green-light);
    padding: 18px;
    border-radius: var(--radius-sm);
    margin-bottom: 16px;
}

.circle-progress {
    width: 68px;
    height: 68px;
    border-radius: 50%;
    background: var(--naver-green);
    color: #FFF;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 900;
    font-size: 1.1rem;
    box-shadow: 0 4px 10px rgba(3, 199, 90, 0.4);
}

.result-status {
    font-size: 1.1rem;
    font-weight: 800;
    color: var(--naver-green-dark);
}

.result-sub {
    font-size: 0.88rem;
    color: var(--text-secondary);
}

.btn-fill-quiz {
    width: 100%;
    background-color: var(--naver-green);
    color: #FFF;
    font-size: 1rem;
    font-weight: 800;
    padding: 14px;
    border-radius: var(--radius-sm);
    transition: var(--transition-fast);
}

.btn-fill-quiz:hover {
    background-color: var(--naver-green-hover);
}

/* ==========================================================================
   WOW POINT: FIXED BOTTOM LIVE BAR & QUICK APPLICATION FORM
   ========================================================================== */
.fixed-bottom-bar-wrapper {
    position: fixed;
    bottom: 0;
    left: 0;
    width: 100%;
    z-index: 9999;
    box-shadow: 0 -10px 30px rgba(0, 0, 0, 0.25);
    background: #0F172A;
    border-top: 2px solid var(--naver-green);
}

/* Top Live Ticker Ribbon */
.fixed-ticker-ribbon {
    background: #080D1A;
    color: #FFF;
    padding: 8px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.ticker-flex {
    display: flex;
    align-items: center;
    gap: 16px;
}

.f-ticker-label {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.85rem;
    font-weight: 800;
    color: var(--naver-green);
    white-space: nowrap;
}

.f-pulse-dot {
    width: 8px;
    height: 8px;
    background-color: var(--naver-green);
    border-radius: 50%;
    box-shadow: 0 0 0 0 rgba(3, 199, 90, 0.7);
    animation: pulse 1.8s infinite;
}

.f-ticker-window {
    height: 30px;
    line-height: 30px;
    overflow: hidden;
    flex-grow: 1;
}

.f-ticker-list {
    margin: 0;
    padding: 0;
    list-style: none;
    transition: transform 0.4s ease-in-out;
}

.f-ticker-list li {
    height: 30px;
    line-height: 30px;
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
    font-size: 0.88rem;
    display: block;
}

.ft-badge {
    display: inline-block;
    vertical-align: middle;
    font-size: 0.72rem;
    padding: 2px 7px;
    border-radius: 4px;
    font-weight: 700;
    line-height: 1.2;
    margin-right: 6px;
}

.ft-badge.success {
    background: var(--naver-green);
    color: #FFF;
}

.ft-badge.progress {
    background: var(--accent-gold);
    color: #FFF;
}

.ft-time {
    color: var(--text-muted);
    font-size: 0.78rem;
    margin-left: 6px;
}

@keyframes fTickerRoll {
    0%, 18% {
        transform: translateY(0);
    }
    22%, 40% {
        transform: translateY(-30px);
    }
    44%, 62% {
        transform: translateY(-60px);
    }
    66%, 84% {
        transform: translateY(-90px);
    }
    88%, 98% {
        transform: translateY(-120px);
    }
    100% {
        transform: translateY(0);
    }
}

/* Main Fixed Quick Form Bar */
.fixed-form-area {
    padding: 12px 0;
}

.fixed-form-grid {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
}

.f-form-title {
    display: flex;
    flex-direction: column;
    gap: 2px;
    white-space: nowrap;
}

.f-badge {
    font-size: 0.72rem;
    font-weight: 800;
    color: var(--naver-green);
}

.f-form-title strong {
    font-size: 1.1rem;
    font-weight: 900;
    color: #FFF;
}

.f-input-fields {
    display: flex;
    align-items: center;
    gap: 8px;
    flex-grow: 1;
}

.f-inp-sm {
    width: 105px !important;
}

.f-inp-md {
    width: 155px !important;
}

.f-sel-md {
    width: 145px !important;
}

.f-input-fields input,
.f-input-fields select {
    height: 44px;
    padding: 0 12px;
    border-radius: var(--radius-sm);
    border: 1px solid rgba(255, 255, 255, 0.2);
    background: rgba(255, 255, 255, 0.08);
    color: #FFF;
    font-size: 0.88rem;
    font-weight: 600;
    transition: var(--transition-fast);
}

.f-input-fields input::placeholder {
    color: #94A3B8;
}

.f-input-fields select option {
    background: #0F172A;
    color: #FFF;
}

.f-input-fields input:focus,
.f-input-fields select:focus {
    border-color: var(--naver-green);
    background: rgba(255, 255, 255, 0.15);
    outline: none;
}

/* Compact Privacy Agree Mini Chip */
.f-agree-mini {
    display: flex;
    align-items: center;
    gap: 4px;
    color: #E2E8F0;
    font-size: 0.8rem;
    white-space: nowrap;
    cursor: pointer;
    background: rgba(255, 255, 255, 0.06);
    padding: 6px 10px;
    height: 44px;
    border-radius: var(--radius-sm);
    border: 1px solid rgba(255, 255, 255, 0.12);
}

.f-agree-mini input {
    accent-color: var(--naver-green);
    width: 15px;
    height: 15px;
    cursor: pointer;
}

.f-agree-mini label {
    cursor: pointer;
    font-weight: 600;
    font-size: 0.8rem;
}

.btn-terms-pop {
    color: var(--naver-green);
    font-size: 0.78rem;
    font-weight: 700;
    text-decoration: underline;
    background: rgba(3, 199, 90, 0.15);
    padding: 2px 5px;
    border-radius: 4px;
    transition: var(--transition-fast);
}

.btn-terms-pop:hover {
    background: var(--naver-green);
    color: #FFF;
}

.btn-fixed-submit {
    background: linear-gradient(135deg, var(--naver-green) 0%, var(--naver-green-dark) 100%);
    color: #FFF;
    height: 44px;
    padding: 0 20px;
    border-radius: var(--radius-sm);
    font-size: 0.98rem;
    font-weight: 800;
    display: flex;
    align-items: center;
    gap: 8px;
    white-space: nowrap;
    box-shadow: 0 4px 15px rgba(3, 199, 90, 0.4);
    transition: var(--transition-fast);
}

.btn-fixed-submit:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(3, 199, 90, 0.5);
}

/* 7. Why Choose Us Section (든든한대부중개를 선택해야 하는 5가지 이유) */
.section-header {
    text-align: center;
    margin-bottom: 50px;
}

.section-sub {
    color: var(--naver-green-dark);
    font-weight: 800;
    font-size: 0.88rem;
    letter-spacing: 1.5px;
    display: inline-block;
    background: var(--naver-green-light);
    padding: 4px 14px;
    border-radius: 20px;
    margin-bottom: 12px;
}

.section-title {
    font-size: 2.3rem;
    font-weight: 900;
    letter-spacing: -0.8px;
    color: var(--text-primary);
    margin-bottom: 12px;
    line-height: 1.25;
}

.section-desc {
    font-size: 1.05rem;
    color: var(--text-secondary);
}

/* 3. Why Choose Us (2번째 섹션 - 1번째 섹션과 부드럽게 이어지는 곡선 브릿지) */
.why-us-section {
    padding: 100px 0 90px;
    background-color: #FFF;
    position: relative;
    z-index: 10;
    margin-top: -50px;
    border-radius: 40px 40px 0 0;
    box-shadow: 0 -20px 50px rgba(0, 0, 0, 0.18);
    opacity: 1 !important;
    visibility: visible !important;
}

.why-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 18px;
}

.why-card {
    background: #FFF;
    border-radius: var(--radius-md);
    border: 1px solid var(--border-color);
    box-shadow: var(--shadow-sm);
    overflow: hidden;
    display: flex;
    flex-direction: column;
    height: 100%;
    transition: var(--transition-fast);
    opacity: 1 !important;
    visibility: visible !important;
}

.why-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-md);
    border-color: var(--naver-green);
}

.why-card.highlight-card {
    border: 2px solid var(--naver-green);
    box-shadow: 0 10px 25px rgba(3, 199, 90, 0.2);
}

.why-card-top {
    background: linear-gradient(135deg, var(--naver-green) 0%, var(--naver-green-dark) 100%);
    color: #FFF;
    padding: 22px 16px 18px;
    text-align: center;
    border-radius: var(--radius-md) var(--radius-md) 0 0;
    min-height: 120px;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
}

.why-card.highlight-card .why-card-top {
    background: linear-gradient(135deg, #02b350 0%, #00662b 100%);
}

.why-step-chip {
    font-size: 0.78rem;
    font-weight: 800;
    color: #FFF;
    background: rgba(255, 255, 255, 0.22);
    padding: 3px 12px;
    border-radius: 20px;
    margin-bottom: 8px;
    display: inline-block;
}

.why-step-chip.hot {
    background: var(--accent-gold);
    color: #FFF;
}

.why-card-top h3 {
    font-size: 1rem;
    font-weight: 800;
    line-height: 1.35;
    color: #FFF;
    word-break: keep-all;
}

.why-card-body {
    padding: 20px 14px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    flex-grow: 1;
    text-align: center;
    background-color: var(--bg-main);
}

.w-main {
    font-size: 0.9rem;
    color: var(--text-primary);
    margin-bottom: 18px;
    line-height: 1.45;
    word-break: keep-all;
}

.w-main strong {
    color: var(--naver-green-dark);
}

.w-footer {
    background: #0F172A;
    color: #FFF;
    padding: 12px 8px;
    border-radius: 10px;
    font-size: 0.82rem;
    font-weight: 700;
    line-height: 1.3;
}

.highlight-card .w-footer {
    background: var(--naver-green-dark);
}

/* 8. Smart Calculator Section */
.calculator-section {
    padding: 90px 0;
    background-color: var(--bg-main);
}

.calc-card {
    background: #FFF;
    border-radius: var(--radius-lg);
    padding: 40px;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border-color);
}

.calc-grid {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 48px;
    align-items: center;
}

.slider-group {
    margin-bottom: 32px;
}

.slider-label-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 12px;
}

.slider-title {
    font-size: 1.05rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    gap: 8px;
    color: var(--text-primary);
}

.slider-title i {
    color: var(--naver-green);
}

.slider-value {
    font-size: 1.3rem;
    font-weight: 900;
    color: var(--naver-green-dark);
}

.range-slider {
    width: 100%;
    height: 8px;
    accent-color: var(--naver-green);
    border-radius: 4px;
    cursor: pointer;
}

.range-marks {
    display: flex;
    justify-content: space-between;
    font-size: 0.8rem;
    color: var(--text-muted);
    margin-top: 6px;
}

.calc-result-box {
    background: linear-gradient(135deg, #0F172A 0%, #1E293B 100%);
    color: #FFF;
    border-radius: var(--radius-md);
    padding: 32px;
    box-shadow: var(--shadow-lg);
}

.res-tag {
    font-size: 0.8rem;
    background: rgba(255, 255, 255, 0.1);
    color: var(--naver-green);
    padding: 4px 10px;
    border-radius: 4px;
    font-weight: 700;
}

.res-row {
    margin: 20px 0;
}

.res-label {
    font-size: 0.95rem;
    color: #94A3B8;
    display: block;
    margin-bottom: 4px;
}

.res-main-val {
    font-size: 2.2rem;
    font-weight: 900;
    color: var(--naver-green);
}

.res-divider {
    height: 1px;
    background: rgba(255, 255, 255, 0.1);
    margin: 20px 0;
}

.res-detail-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
    margin-bottom: 24px;
}

.d-label {
    font-size: 0.82rem;
    color: #94A3B8;
    display: block;
}

.d-val {
    font-size: 1.1rem;
    font-weight: 700;
    color: #FFF;
}

.visual-chip {
    background: rgba(3, 199, 90, 0.12);
    border: 1px solid rgba(3, 199, 90, 0.3);
    border-radius: 12px;
    padding: 12px 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    font-size: 0.88rem;
    font-weight: 700;
    color: #34D399;
    margin-bottom: 20px;
    text-align: center;
    line-height: 1.4;
    word-break: keep-all;
}

.btn-calc-apply {
    width: 100%;
    color: #FFF;
    font-size: 1.05rem;
    font-weight: 800;
    padding: 16px;
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    transition: var(--transition-fast);
}

.btn-calc-apply:hover {
    background-color: var(--naver-green-hover);
}

/* 9. Speed Loan Process Section */
.process-section {
    padding: 90px 0;
    background-color: #FFF;
}

.process-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.process-card {
    background: #0F172A;
    border-radius: var(--radius-md);
    padding: 32px 24px;
    position: relative;
    border: 1px solid rgba(255, 255, 255, 0.15);
    overflow: hidden;
    color: #FFF;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    min-height: 240px;
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.15);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.process-card-1 {
    background: linear-gradient(rgba(15, 23, 42, 0.72), rgba(15, 23, 42, 0.88)), url('/images/pr_1.webp') no-repeat center center / cover !important;
}

.process-card-2 {
    background: linear-gradient(rgba(15, 23, 42, 0.72), rgba(15, 23, 42, 0.88)), url('/images/pr_2.webp') no-repeat center center / cover !important;
}

.process-card-3 {
    background: linear-gradient(rgba(15, 23, 42, 0.72), rgba(15, 23, 42, 0.88)), url('/images/pr_3.webp') no-repeat center center / cover !important;
}

.process-card-4 {
    background: linear-gradient(rgba(15, 23, 42, 0.72), rgba(15, 23, 42, 0.88)), url('/images/pr_4.webp') no-repeat center center / cover !important;
}

.process-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-md);
}

.process-card.active-process {
    background: var(--naver-green-light);
    border-color: var(--naver-green);
}

.p-step-num {
    font-size: 2.2rem;
    font-weight: 900;
    color: var(--text-muted);
    margin-bottom: 12px;
}

.active-process .p-step-num {
    color: var(--naver-green);
}

.p-icon-box {
    font-size: 2.4rem;
    color: var(--naver-green);
    margin-bottom: 16px;
}

.process-card h3 {
    font-size: 1.25rem;
    font-weight: 800;
    margin-bottom: 10px;
}

.process-card p {
    font-size: 0.95rem;
    color: #F1F5F9 !important;
    font-weight: 500;
    line-height: 1.6;
    text-shadow: 0 1px 4px rgba(0, 0, 0, 0.8);
}

/* 10. Product Lineup Cards */
.products-section {
    padding: 100px 0 90px;
    background-color: var(--bg-main);
    opacity: 1 !important;
    visibility: visible !important;
}

.products-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.product-card {
    background: #FFF;
    border-radius: var(--radius-md);
    padding: 32px;
    border: 1px solid var(--border-color);
    box-shadow: var(--shadow-sm);
    position: relative;
    display: flex;
    flex-direction: column;
    transition: var(--transition-fast);
}

.product-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-md);
    border-color: var(--naver-green);
}

.p-badge {
    position: absolute;
    top: 24px;
    right: 24px;
    font-size: 0.8rem;
    font-weight: 700;
    background: var(--naver-green-light);
    color: var(--naver-green-dark);
    padding: 4px 12px;
    border-radius: 20px;
}

.p-badge.hot {
    background: var(--naver-green);
    color: #FFF;
}

.p-badge.secret {
    background: #0F172A;
    color: #FFF;
}

.p-icon {
    font-size: 2.8rem;
    color: var(--naver-green);
    margin-bottom: 18px;
}

.p-title {
    font-size: 1.35rem;
    font-weight: 800;
    margin-bottom: 20px;
}

.p-info-list dl {
    display: flex;
    justify-content: space-between;
    font-size: 0.95rem;
    padding: 8px 0;
    border-bottom: 1px dashed var(--border-color);
}

.p-info-list dt {
    color: var(--text-muted);
}

.p-info-list dd {
    font-weight: 700;
}

.p-info-list dd.highlight {
    color: var(--naver-green);
    font-size: 1.05rem;
}

.p-tag {
    font-size: 0.82rem;
    color: var(--naver-green-dark);
    margin: 20px 0;
    font-weight: 600;
}

.btn-product-apply {
    margin-top: auto;
    width: 100%;
    background: var(--bg-main);
    color: var(--text-primary);
    font-weight: 700;
    padding: 14px;
    border-radius: var(--radius-sm);
    text-align: center;
    border: 1px solid var(--border-color);
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    transition: var(--transition-fast);
}

.btn-product-apply:hover {
    background: var(--naver-green);
    color: #FFF;
    border-color: var(--naver-green);
}

/* 11. Trusted Counselor & Reviews */
.reviews-section {
    padding: 90px 0;
    background-color: #FFF;
}

.counselor-banner-box {
    display: flex;
    align-items: center;
    gap: 36px;
    background: var(--naver-green-light);
    border-radius: var(--radius-lg);
    padding: 36px;
    border: 2px solid var(--border-green);
    margin-bottom: 60px;
}

.counselor-img {
    width: 160px;
    height: 160px;
    border-radius: 50%;
    object-fit: cover;
    border: 4px solid var(--naver-green);
    box-shadow: var(--shadow-md);
}

.c-badge {
    background: var(--naver-green);
    color: #FFF;
    font-size: 0.85rem;
    font-weight: 700;
    padding: 4px 14px;
    border-radius: 20px;
    display: inline-block;
    margin-bottom: 12px;
}

.counselor-info h3 {
    font-size: 1.5rem;
    font-weight: 900;
    color: var(--naver-green-dark);
    margin-bottom: 10px;
}

.reviews-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-top: 36px;
}

.mobile-slider-dots {
    display: none;
}

.review-card {
    background: var(--bg-main);
    border-radius: var(--radius-md);
    padding: 28px;
    border: 1px solid var(--border-color);
    display: flex;
    flex-direction: column;
}

.review-stars {
    color: var(--accent-gold);
    margin-bottom: 12px;
    font-size: 1.1rem;
}

.review-title {
    font-size: 1.05rem;
    font-weight: 800;
    margin-bottom: 12px;
    line-height: 1.4;
}

.review-text {
    font-size: 0.92rem;
    color: var(--text-secondary);
    line-height: 1.6;
    margin-bottom: 20px;
    flex-grow: 1;
}

.review-writer {
    display: flex;
    justify-content: space-between;
    font-size: 0.82rem;
    color: var(--text-muted);
    font-weight: 600;
}

/* 12. FAQ Accordion Section */
.faq-section {
    padding: 90px 0;
    background-color: var(--bg-main);
}

.faq-accordion {
    max-width: 900px;
    margin: 0 auto;
}

.faq-item {
    background: #FFF;
    border-radius: var(--radius-sm);
    border: 1px solid var(--border-color);
    margin-bottom: 14px;
    overflow: hidden;
}

.faq-question {
    width: 100%;
    padding: 20px 24px;
    font-size: 1.05rem;
    font-weight: 700;
    text-align: left;
    display: flex;
    justify-content: space-between;
    align-items: center;
    color: var(--text-primary);
}

.faq-answer {
    padding: 0 24px 20px;
    font-size: 0.95rem;
    color: var(--text-secondary);
    line-height: 1.6;
    display: none;
}

.faq-item.open .faq-answer {
    display: block;
}

.faq-item.open .faq-icon {
    transform: rotate(45deg);
    color: var(--naver-green);
}

/* 13. Legal Warning & Footer */
.legal-warning-banner {
    background-color: #0F172A;
    color: #F8FAFC;
    padding: 24px 0;
    font-size: 0.9rem;
    text-align: center;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.warning-text {
    color: var(--accent-gold);
    font-weight: 700;
    margin-bottom: 6px;
}

.illegal-text {
    color: #F87171;
    font-weight: 700;
}

.footer {
    background-color: #0B1120;
    color: #94A3B8;
    padding: 60px 0;
    font-size: 0.88rem;
}

.legal-terms-box {
    background: rgba(255, 255, 255, 0.04);
    border-radius: var(--radius-md);
    padding: 28px;
    border: 1px solid rgba(255, 255, 255, 0.08);
    margin-bottom: 40px;
}

.terms-title {
    color: #FFF;
    font-size: 1.05rem;
    font-weight: 800;
    margin-bottom: 20px;
}

.terms-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
}

.t-item.full-width {
    grid-column: span 2;
}

.t-label {
    color: var(--naver-green);
    font-weight: 700;
    display: block;
    margin-bottom: 4px;
}

.t-value {
    color: #CBD5E1;
    line-height: 1.5;
}

.footer-company-info {
    text-align: center;
    line-height: 1.8;
}

.footer-links {
    margin: 20px 0;
}

.footer-links button,
.footer-links a {
    color: #CBD5E1;
    font-size: 0.88rem;
    margin: 0 10px;
}

.copyright {
    color: #64748B;
    font-size: 0.8rem;
    margin-top: 10px;
}

/* Sub Page Layout & Product Detail Pages (/products/*) */
.sub-hero-banner {
    background: linear-gradient(135deg, #0F172A 0%, #1E293B 100%);
    color: #FFF;
    padding: 60px 0;
    text-align: center;
}

.sub-badge {
    background: var(--naver-green);
    color: #FFF;
    font-size: 0.82rem;
    font-weight: 800;
    padding: 5px 16px;
    border-radius: 20px;
    display: inline-block;
    margin-bottom: 14px;
}

.sub-hero-banner h1 {
    font-size: 2.3rem;
    font-weight: 900;
    margin-bottom: 12px;
    letter-spacing: -0.5px;
}

.sub-hero-banner p {
    color: #94A3B8;
    font-size: 1.05rem;
}

.sub-page-section {
    padding: 70px 0;
    background-color: var(--bg-main);
}

/* Product Detail Card Styling */
.product-detail-box {
    background: #FFF;
    border-radius: var(--radius-lg);
    padding: 44px;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border-color);
}

.pd-header-card {
    display: flex;
    align-items: center;
    gap: 24px;
    padding-bottom: 28px;
    border-bottom: 2px solid var(--border-color);
    margin-bottom: 36px;
}

.pd-icon-big {
    width: 76px;
    height: 76px;
    border-radius: 20px;
    background: var(--naver-green-light);
    color: var(--naver-green);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2.4rem;
    box-shadow: 0 4px 12px rgba(3, 199, 90, 0.15);
}

.pd-title-area h2 {
    font-size: 1.8rem;
    font-weight: 900;
    color: var(--text-primary);
    margin: 6px 0;
}

.pd-title-area p {
    font-size: 0.95rem;
    color: var(--text-secondary);
}

.pd-spec-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    margin-bottom: 36px;
}

.spec-item {
    background: var(--bg-main);
    padding: 22px 16px;
    border-radius: var(--radius-md);
    border: 1px solid var(--border-color);
    text-align: center;
}

.s-label {
    font-size: 0.85rem;
    color: var(--text-muted);
    font-weight: 700;
    display: block;
    margin-bottom: 8px;
}

.s-val {
    font-size: 1.15rem;
    font-weight: 800;
    color: var(--text-primary);
    display: block;
}

.s-val.highlight {
    color: var(--naver-green-dark);
    font-size: 1.25rem;
    font-weight: 900;
}

.pd-features-box {
    background: var(--naver-green-light);
    padding: 32px;
    border-radius: var(--radius-md);
    border: 1px solid var(--border-green);
    margin-bottom: 36px;
}

.pd-features-box h3 {
    font-size: 1.2rem;
    font-weight: 800;
    color: var(--naver-green-dark);
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 20px;
}

.pd-feature-list {
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.pd-feature-list li {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 1.02rem;
    font-weight: 700;
    color: var(--text-primary);
}

.pd-feature-list li i {
    color: var(--naver-green);
    font-size: 1.2rem;
}

.sub-cta-box {
    background: linear-gradient(135deg, var(--naver-green) 0%, var(--naver-green-dark) 100%);
    color: #FFF;
    padding: 44px;
    border-radius: var(--radius-md);
    text-align: center;
    box-shadow: 0 10px 25px rgba(3, 199, 90, 0.3);
}

.sub-cta-box h3 {
    font-size: 1.7rem;
    font-weight: 900;
    margin-bottom: 12px;
}

.btn-sub-apply {
    background: #FFF;
    color: var(--naver-green-dark);
    font-weight: 800;
    padding: 16px 36px;
    border-radius: 30px;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 1.08rem;
    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.1);
    transition: var(--transition-fast);
}

.btn-sub-apply:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.15);
}

/* 7. Real Customer Reviews & Desktop Slider */
.reviews-slider-wrapper {
    position: relative;
    width: 100%;
}

.reviews-header-flex {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    margin-top: 50px;
    margin-bottom: 24px;
}

.reviews-controls {
    display: none !important;
}

.review-nav-btn {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: #FFF;
    border: 1px solid var(--border-color);
    color: var(--text-primary);
    font-size: 1.2rem;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.08);
    transition: all 0.25s ease;
}

.review-nav-btn:hover {
    background: var(--naver-green);
    color: #FFF;
    border-color: var(--naver-green);
    transform: scale(1.06);
    box-shadow: 0 6px 16px rgba(3, 199, 90, 0.3);
}

.reviews-grid {
    display: flex !important;
    gap: 24px !important;
    overflow-x: auto !important;
    scroll-snap-type: x mandatory !important;
    scroll-behavior: smooth !important;
    padding-bottom: 12px;
    scrollbar-width: none;
}

.reviews-grid::-webkit-scrollbar {
    display: none;
}

.review-card {
    flex: 0 0 calc((100% - 48px) / 3) !important;
    min-width: calc((100% - 48px) / 3) !important;
    scroll-snap-align: start !important;
    background: #FFF;
    border-radius: var(--radius-md);
    padding: 32px 28px;
    border: 1px solid var(--border-color);
    box-shadow: var(--shadow-sm);
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    transition: var(--transition-fast);
}

.review-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-md);
    border-color: var(--naver-green-light);
}

/* Process Detail Page Styles (/process) */
.process-detail-grid {
    display: flex;
    flex-direction: column;
    gap: 24px;
    max-width: 960px;
    margin: 0 auto 40px;
}

.p-detail-step {
    background: #FFF;
    border-radius: var(--radius-md);
    padding: 32px;
    border: 1px solid var(--border-color);
    display: flex;
    gap: 24px;
    box-shadow: var(--shadow-sm);
    transition: var(--transition-fast);
}

.p-detail-step:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}

.p-detail-step.highlight {
    border: 2px solid var(--naver-green);
    background: var(--naver-green-light);
    box-shadow: 0 10px 25px rgba(3, 199, 90, 0.15);
}

.p-step-badge {
    background: var(--naver-green-dark);
    color: #FFF;
    font-size: 0.85rem;
    font-weight: 900;
    padding: 6px 14px;
    border-radius: 20px;
    align-self: flex-start;
    white-space: nowrap;
}

.p-detail-step.highlight .p-step-badge {
    background: var(--naver-green);
}

.p-detail-content {
    flex-grow: 1;
}

.p-detail-content h3 {
    font-size: 1.4rem;
    font-weight: 900;
    color: var(--text-primary);
    margin-bottom: 8px;
}

.p-detail-content p {
    font-size: 1.02rem;
    color: var(--text-secondary);
    margin-bottom: 16px;
    line-height: 1.6;
}

.p-check-list {
    display: flex;
    flex-direction: column;
    gap: 8px;
    background: rgba(0, 0, 0, 0.02);
    padding: 14px 18px;
    border-radius: var(--radius-sm);
}

.p-check-list li {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.92rem;
    font-weight: 700;
    color: var(--naver-green-dark);
}

/* WOW POINT: FIXED BOTTOM LIVE BAR & QUICK APPLICATION FORM */
.fixed-bottom-bar-wrapper {
    position: fixed;
    bottom: 0;
    left: 0;
    width: 100%;
    z-index: 990;
    background: rgba(15, 23, 42, 0.94);
    backdrop-filter: blur(12px);
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    box-shadow: 0 -10px 30px rgba(0, 0, 0, 0.3);
    opacity: 0 !important;
    transform: translateY(100%) !important;
    pointer-events: none !important;
    transition: opacity 0.4s ease, transform 0.4s cubic-bezier(0.16, 1, 0.3, 1) !important;
}

.fixed-bottom-bar-wrapper.show-bar {
    opacity: 1 !important;
    transform: translateY(0) !important;
    pointer-events: auto !important;
}

/* Modals */
.fixed-bar-container {
    position: fixed;
    bottom: 0;
    left: 0;
    width: 100%;
    z-index: 990;
    background: rgba(15, 23, 42, 0.94);
    backdrop-filter: blur(12px);
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    box-shadow: 0 -10px 30px rgba(0, 0, 0, 0.3);
    opacity: 0;
    transform: translateY(100%);
    pointer-events: none;
    transition: opacity 0.4s ease, transform 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

.fixed-bar-container.show-bar {
    opacity: 1;
    transform: translateY(0);
    pointer-events: auto;
}

.modal-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0, 0, 0, 0.6);
    backdrop-filter: blur(4px);
    z-index: 9999;
    display: none;
    align-items: center;
    justify-content: center;
    padding: 20px;
}

.modal-overlay.open {
    display: flex;
}

.modal-card {
    background: #FFF;
    border-radius: var(--radius-md);
    width: 100%;
    max-width: 640px;
    padding: 32px;
    box-shadow: var(--shadow-lg);
}

.modal-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 20px;
}

.modal-header h3 {
    font-size: 1.2rem;
    font-weight: 800;
}

.btn-close-modal {
    font-size: 1.4rem;
    color: var(--text-muted);
}

.legal-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.85rem;
}

.legal-table th,
.legal-table td {
    border: 1px solid var(--border-color);
    padding: 10px;
    text-align: left;
}

.legal-table th {
    background: var(--bg-main);
    font-weight: 700;
}

.modal-note {
    font-size: 0.8rem;
    color: var(--text-muted);
    margin-top: 14px;
}

/* ==========================================================================
   Growth Hack CRO 개선 요소 스타일 (2026-08-05 추가)
   ========================================================================== */

/* Hero CTA Group (전환율 극대화를 위한 Above-the-Fold 직접 행동 유도) */
.hero-cta-group {
    margin-top: 32px;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 16px;
}

.btn-hero-primary {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: var(--naver-green);
    color: #FFF;
    font-size: 1.25rem;
    font-weight: 800;
    padding: 18px 44px;
    border-radius: 60px;
    border: none;
    cursor: pointer;
    box-shadow: 0 8px 30px rgba(3, 199, 90, 0.45);
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    animation: heroBtnPulse 2.5s infinite;
    font-family: inherit;
}

.btn-hero-primary:hover {
    transform: translateY(-3px) scale(1.03);
    box-shadow: 0 12px 40px rgba(3, 199, 90, 0.6);
    background: var(--naver-green-hover);
}

@keyframes heroBtnPulse {
    0%, 100% { box-shadow: 0 8px 30px rgba(3, 199, 90, 0.45); }
    50% { box-shadow: 0 8px 30px rgba(3, 199, 90, 0.45), 0 0 0 14px rgba(3, 199, 90, 0.12); }
}

.hero-micro-copy {
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.75);
    display: flex;
    align-items: center;
    gap: 8px;
    font-weight: 500;
}

/* Hero Urgency Chip (손실 회피 심리 활성화) */
.hero-urgency-chip {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(239, 68, 68, 0.15);
    backdrop-filter: blur(8px);
    color: #FCA5A5;
    font-size: 0.9rem;
    font-weight: 700;
    padding: 8px 20px;
    border-radius: 24px;
    border: 1px solid rgba(239, 68, 68, 0.3);
    margin-top: 24px;
}

.urgency-count {
    color: #F87171;
    font-size: 1.1rem;
    animation: urgencyBlink 1.5s ease-in-out infinite;
}

@keyframes urgencyBlink {
    0%, 100% { opacity: 1; }
    50% { opacity: 0.4; }
}

/* Social Proof Counter Section (숫자 기반 사회적 증명) */
.social-proof-section {
    padding: 60px 0;
    background: linear-gradient(135deg, #064E3B 0%, #047857 100%);
}

.proof-counter-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
    text-align: center;
}

.counter-item {
    color: #FFF;
}

.counter-num {
    font-size: 3.2rem;
    font-weight: 900;
    color: #34D399;
    display: inline;
    letter-spacing: -1px;
    font-family: 'Outfit', 'Noto Sans KR', sans-serif;
}

.counter-suffix {
    font-size: 1.4rem;
    font-weight: 800;
    color: #34D399;
    margin-left: 2px;
}

.counter-item p {
    font-size: 1rem;
    color: rgba(255, 255, 255, 0.75);
    margin-top: 8px;
    font-weight: 600;
}

/* Main Application Form Section (CRO 핵심 전환 요소) */
.main-apply-section {
    padding: 80px 0;
    background: linear-gradient(180deg, #F0FDF4 0%, var(--bg-main) 100%);
}

.main-form-card {
    max-width: 640px;
    margin: 0 auto;
    background: #FFF;
    border-radius: var(--radius-lg);
    padding: 40px;
    border: 2px solid var(--border-green);
    box-shadow: 0 20px 50px rgba(3, 199, 90, 0.12);
}

.form-trust-badges {
    display: flex;
    justify-content: center;
    gap: 14px;
    margin-bottom: 28px;
    flex-wrap: wrap;
}

.form-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 0.8rem;
    font-weight: 700;
    color: var(--naver-green-dark);
    background: var(--naver-green-light);
    padding: 6px 14px;
    border-radius: 20px;
}

.main-form-grid {
    display: flex;
    flex-direction: column;
    gap: 18px;
}

.form-field label {
    display: block;
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--text-primary);
    margin-bottom: 6px;
}

.form-field label i {
    color: var(--naver-green);
    margin-right: 4px;
}

.form-field input[type="text"],
.form-field input[type="tel"],
.form-field select {
    width: 100%;
    padding: 14px 18px;
    border: 1.5px solid var(--border-color);
    border-radius: var(--radius-sm);
    font-size: 1rem;
    font-family: inherit;
    transition: var(--transition-fast);
    background: #FAFAFA;
}

.form-field input:focus,
.form-field select:focus {
    border-color: var(--naver-green);
    outline: none;
    box-shadow: 0 0 0 3px rgba(3, 199, 90, 0.12);
    background: #FFF;
}

.form-agree-field {
    display: flex;
    align-items: center;
    gap: 8px;
    flex-wrap: wrap;
}

.form-agree-field label {
    font-size: 0.85rem;
    margin-bottom: 0;
    cursor: pointer;
}

.form-agree-field .btn-terms-pop {
    font-size: 0.8rem;
    color: var(--naver-green);
    font-weight: 600;
    text-decoration: underline;
}

.btn-main-submit {
    width: 100%;
    padding: 18px;
    background: var(--naver-green);
    color: #FFF;
    font-size: 1.15rem;
    font-weight: 800;
    border: none;
    border-radius: var(--radius-sm);
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    box-shadow: 0 6px 20px rgba(3, 199, 90, 0.35);
    transition: all 0.3s ease;
    animation: heroBtnPulse 2.5s infinite;
    font-family: inherit;
}

.btn-main-submit:hover {
    background: var(--naver-green-hover);
    transform: translateY(-2px);
    box-shadow: 0 10px 30px rgba(3, 199, 90, 0.45);
}

.form-micro-copy {
    text-align: center;
    font-size: 0.82rem;
    color: var(--text-muted);
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
}

/* Success Modal (피크엔드 법칙 기반 접수 완료 모달) */
.success-modal-card {
    max-width: 420px;
}

.success-header {
    background: var(--naver-green);
    color: #FFF;
}

.success-header h3 {
    color: #FFF;
}

.success-header .btn-close-modal {
    color: rgba(255, 255, 255, 0.8);
}

.success-header .btn-close-modal:hover {
    color: #FFF;
}

.success-body {
    text-align: center;
    padding: 32px 28px;
}

.success-icon-area {
    margin-bottom: 20px;
}

.success-check-circle {
    width: 72px;
    height: 72px;
    border-radius: 50%;
    background: var(--naver-green-light);
    color: var(--naver-green);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 2.4rem;
    animation: successPop 0.5s cubic-bezier(0.34, 1.56, 0.64, 1);
}

@keyframes successPop {
    0% { transform: scale(0); opacity: 0; }
    60% { transform: scale(1.15); }
    100% { transform: scale(1); opacity: 1; }
}

.success-title {
    font-size: 1.35rem;
    font-weight: 900;
    color: var(--text-primary);
    margin-bottom: 8px;
}

.success-name-text {
    font-size: 0.95rem;
    color: var(--text-secondary);
    margin-bottom: 24px;
}

.success-info-box {
    background: #F0FDF4;
    border-radius: var(--radius-sm);
    padding: 18px;
    margin-bottom: 20px;
    text-align: left;
}

.success-info-item {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 8px 0;
    font-size: 0.9rem;
    color: var(--text-primary);
}

.success-info-item i {
    color: var(--naver-green);
    font-size: 1.1rem;
    flex-shrink: 0;
}

.success-info-item + .success-info-item {
    border-top: 1px solid #E6F9EE;
}

.success-emergency {
    font-size: 0.85rem;
    color: var(--text-muted);
    margin-bottom: 20px;
}

.success-emergency a {
    color: var(--naver-green);
}

.btn-success-confirm {
    width: 100%;
    padding: 14px;
    background: var(--naver-green);
    color: #FFF;
    font-size: 1.05rem;
    font-weight: 700;
    border-radius: var(--radius-sm);
    cursor: pointer;
    border: none;
    transition: var(--transition-fast);
    font-family: inherit;
}

.btn-success-confirm:hover {
    background: var(--naver-green-hover);
}

/* Hero Bridge CTA Section (Hero 아래 독립 배치 - SPEED LOAN 겹침 방지) */
.hero-bridge-section {
    padding: 48px 0;
    background: linear-gradient(180deg, #0F172A 0%, #1E293B 100%);
    text-align: center;
    position: relative;
    z-index: 2;
    margin-top: -2px;
}

.hero-bridge-section .hero-urgency-chip {
    margin-top: 0;
    margin-bottom: 8px;
}

.hero-micro-copy-dark {
    font-size: 0.9rem;
    color: var(--text-muted);
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    font-weight: 500;
}