/* =========================================================
   고마워론 (GomawoLoan) — Stylesheet
   모든 색상/타이포/레이아웃은 이 파일에서 관리합니다.
========================================================= */

@font-face { font-family: "SCDream"; src: url("fonts/SCDream4.woff2") format("woff2"); font-weight: 400; font-display: swap; }
@font-face { font-family: "SCDream"; src: url("fonts/SCDream5.woff2") format("woff2"); font-weight: 500; font-display: swap; }
@font-face { font-family: "SCDream"; src: url("fonts/SCDream6.woff2") format("woff2"); font-weight: 600; font-display: swap; }
@font-face { font-family: "SCDream"; src: url("fonts/SCDream7.woff2") format("woff2"); font-weight: 700; font-display: swap; }
@font-face { font-family: "SCDream"; src: url("fonts/SCDream8.woff2") format("woff2"); font-weight: 800; font-display: swap; }
@font-face { font-family: "SCDream"; src: url("fonts/SCDream9.woff2") format("woff2"); font-weight: 900; font-display: swap; }

:root {
  /* 브랜드 컬러 */
  --blue-700: #144db8;
  --blue-600: #1e64e0;
  --blue-500: #3b82f6;
  --blue-100: #e8f1fe;
  --teal-600: #0f9c8d;
  --teal-500: #14b8a6;
  --teal-100: #e1fbf6;
  --green-500: #22c55e;
  --green-100: #e7fbed;

  /* 텍스트 */
  --ink-900: #10203f;
  --ink-700: #33394a;
  --ink-500: #667085;
  --ink-400: #97a0b3;
  --white: #ffffff;

  /* 표면 */
  --bg-page: #ffffff;
  --bg-alt: #f5f9ff;
  --line: #e4eaf5;
  --navy-footer: #0b1b33;

  /* 그림자 */
  --shadow-sm: 0 2px 10px rgba(16, 32, 63, 0.06);
  --shadow-md: 0 14px 34px rgba(16, 32, 63, 0.10);
  --shadow-blue: 0 10px 24px rgba(30, 100, 224, 0.28);

  --radius-lg: 20px;
  --radius-md: 14px;
  --radius-sm: 10px;
  --wrap: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "SCDream", -apple-system, BlinkMacSystemFont, "Apple SD Gothic Neo", "Malgun Gothic", sans-serif;
  color: var(--ink-900);
  background: var(--bg-page);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; margin: 0; padding: 0; }
button { font-family: inherit; cursor: pointer; }
input, select { font-family: inherit; }

.wrap {
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 24px;
}

.icon-sprite { position: absolute; width: 0; height: 0; overflow: hidden; }
.ic { display: inline-block; vertical-align: middle; flex-shrink: 0; }

/* -------------------- 버튼 -------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border: none;
  border-radius: 999px;
  padding: 14px 26px;
  font-weight: 700;
  font-size: 15px;
  cursor: pointer;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease, opacity .18s ease;
  white-space: nowrap;
}
.btn:active { transform: translateY(1px); }

.btn-primary {
  background: linear-gradient(135deg, var(--blue-500), var(--blue-600) 60%, var(--blue-700));
  color: var(--white);
  box-shadow: var(--shadow-blue);
}
.btn-primary:hover { box-shadow: 0 16px 32px rgba(30, 100, 224, 0.38); transform: translateY(-1px); }

.btn-outline {
  background: var(--white);
  color: var(--ink-900);
  border: 1.5px solid var(--line);
}
.btn-outline:hover { border-color: var(--blue-500); color: var(--blue-700); }

.btn-white {
  background: var(--white);
  color: var(--blue-700);
  box-shadow: 0 10px 24px rgba(0, 0, 0, 0.15);
}
.btn-white:hover { transform: translateY(-1px); box-shadow: 0 14px 30px rgba(0, 0, 0, 0.2); }

.btn-lg { padding: 16px 32px; font-size: 16px; }
.btn-sm { padding: 10px 20px; font-size: 14px; }
.btn-block { width: 100%; }

/* -------------------- 헤더 -------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

.brand { display: flex; align-items: baseline; gap: 8px; }
.brand-mark {
  font-size: 22px;
  font-weight: 900;
  letter-spacing: -0.5px;
  color: var(--ink-900);
}
.brand-en {
  font-size: 11px;
  font-weight: 600;
  color: var(--ink-400);
  letter-spacing: 0.5px;
}

.main-nav { display: flex; align-items: center; gap: 40px; }
.main-nav a {
  color: var(--ink-700);
  font-weight: 600;
  font-size: 15.5px;
  transition: color .15s ease;
}
.main-nav a:hover { color: var(--blue-600); }

.header-actions { display: flex; align-items: center; gap: 14px; }
.header-cta { display: inline-flex; }

.nav-toggle {
  display: none;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  background: transparent;
  border: none;
  color: var(--ink-900);
}

.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding: 14px 24px 22px;
  background: var(--white);
  border-top: 1px solid var(--line);
}
.mobile-nav a:not(.btn) {
  color: var(--ink-700);
  font-weight: 600;
  padding: 12px 4px;
  border-bottom: 1px solid var(--line);
}
.mobile-nav .btn { margin-top: 14px; }
.mobile-nav[hidden] { display: none; }

/* -------------------- 히어로 -------------------- */
.hero {
  position: relative;
  background: linear-gradient(180deg, #f7fafe 0%, #eef5ff 100%);
  overflow: hidden;
  padding-top: 40px;
}

.hero-bg { position: absolute; inset: 0; z-index: 0; }
.hero-bg img { width: 100%; height: 100%; object-fit: cover; object-position: right center; }

.hero-inner {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  min-height: 560px;
}

.hero-copy {
  max-width: 580px;
  padding: 40px 0 56px;
  position: relative;
  z-index: 2;
}

.badge-pill {
  display: inline-block;
  background: var(--blue-100);
  color: var(--blue-700);
  font-weight: 700;
  font-size: 13.5px;
  padding: 7px 16px;
  border-radius: 999px;
  margin-bottom: 20px;
}

.hero-title {
  color: var(--ink-900);
  font-size: clamp(30px, 4.2vw, 48px);
  font-weight: 800;
  line-height: 1.32;
  margin: 0 0 18px;
  letter-spacing: -0.5px;
}

.hero-sub-lg { color: var(--ink-700); font-size: 18px; font-weight: 600; margin: 0 0 8px; }
.hero-sub-sm { color: var(--ink-500); font-size: 14.5px; font-weight: 500; margin: 0 0 32px; }

.hero-btns { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; margin-bottom: 36px; }

.hero-stats {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  box-shadow: var(--shadow-md);
}
.hero-stats li {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 4px 20px 4px 0;
  border-right: 1px solid var(--line);
  flex: 1 1 auto;
}
.hero-stats li:last-child { border-right: none; padding-right: 4px; }
.stat-ic {
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  border-radius: 12px;
  background: var(--blue-100);
  color: var(--blue-600);
  display: flex;
  align-items: center;
  justify-content: center;
}
.stat-ic.won-ic { font-weight: 800; font-size: 17px; background: var(--teal-100); color: var(--teal-600); }
.stat-copy { display: flex; flex-direction: column; }
.stat-copy strong { font-size: 17px; font-weight: 800; color: var(--ink-900); line-height: 1.3; }
.stat-copy small { font-size: 12px; color: var(--ink-500); font-weight: 500; }

.hero-figure {
  position: absolute;
  right: 0;
  bottom: 0;
  z-index: 1;
  width: 42%;
  max-width: 460px;
  min-width: 280px;
  pointer-events: none;
}
.hero-figure img { width: 100%; height: auto; display: block; filter: drop-shadow(0 24px 34px rgba(16, 32, 63, 0.18)); }
.hero-figure-badge {
  position: absolute;
  top: 8%;
  right: 4%;
  display: flex;
  align-items: center;
  gap: 6px;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(4px);
  padding: 8px 14px;
  border-radius: 999px;
  box-shadow: var(--shadow-sm);
  color: var(--blue-700);
}
.hero-figure-badge .brand-mark { font-size: 14px; color: var(--blue-700); }

/* -------------------- 신뢰 밴드 -------------------- */
.trust-band {
  background: linear-gradient(120deg, var(--teal-100), var(--blue-100));
  padding: 30px 0;
}
.trust-band-inner { display: flex; align-items: center; gap: 18px; justify-content: center; text-align: left; }
.trust-band-ic {
  flex-shrink: 0;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--white);
  color: var(--teal-600);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-sm);
}
.trust-band-inner strong { display: block; color: var(--ink-900); font-size: 17px; margin-bottom: 4px; }
.trust-band-inner p { margin: 0; color: var(--ink-500); font-size: 14px; }

/* -------------------- 공통 섹션 -------------------- */
.section { padding: 88px 0; }
.section-alt { background: var(--bg-alt); }

.section-head { margin-bottom: 44px; }
.section-head h2 {
  font-size: clamp(24px, 2.8vw, 32px);
  font-weight: 800;
  color: var(--ink-900);
  margin: 0;
  line-height: 1.35;
  letter-spacing: -0.5px;
}
.section-head.center { text-align: center; }

/* -------------------- 기능 카드 -------------------- */
.feature-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin-bottom: 44px;
}
.feature-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  box-shadow: var(--shadow-sm);
  transition: transform .2s ease, box-shadow .2s ease;
}
.feature-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }

.feature-ic {
  width: 56px;
  height: 56px;
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.feature-ic.ic-blue { background: var(--blue-100); color: var(--blue-600); }
.feature-ic.ic-teal { background: var(--teal-100); color: var(--teal-600); }
.feature-ic.ic-green { background: var(--green-100); color: var(--green-500); }

.feature-card h3 { font-size: 18.5px; font-weight: 800; margin: 0 0 10px; color: var(--ink-900); }
.feature-card p { margin: 0 0 18px; color: var(--ink-500); font-size: 14.5px; }

.text-link {
  background: none;
  border: none;
  padding: 0;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  color: var(--blue-600);
  font-weight: 700;
  font-size: 14px;
}
.text-link:hover { color: var(--blue-700); }

/* -------------------- 간편 소액대출 스트립 -------------------- */
.strip-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px 30px;
  box-shadow: var(--shadow-sm);
  margin-bottom: 36px;
}
.strip-title { text-align: center; font-size: 19px; font-weight: 800; color: var(--ink-900); margin: 0 0 26px; }
.strip-list {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.strip-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 0 14px;
  border-right: 1px solid var(--line);
  color: var(--ink-700);
  font-weight: 600;
  font-size: 14px;
  line-height: 1.4;
}
.strip-list li:last-child { border-right: none; }
.strip-list .ic { color: var(--blue-600); flex-shrink: 0; }

.pill-row {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
}
.pill-row li {
  background: var(--blue-100);
  color: var(--blue-700);
  font-weight: 700;
  font-size: 14px;
  padding: 9px 20px;
  border-radius: 999px;
}
.pill-row li.pill-active {
  background: var(--blue-600);
  color: var(--white);
}

/* -------------------- 프로세스 -------------------- */
.process-flow {
  display: grid;
  grid-template-columns: 1fr auto 1fr auto 1fr auto 1fr;
  align-items: start;
  gap: 6px;
}
.process-step {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 30px 18px;
  text-align: center;
  position: relative;
  box-shadow: var(--shadow-sm);
}
.step-no {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: var(--blue-600);
  color: var(--white);
  font-weight: 800;
  font-size: 13px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 10px rgba(30, 100, 224, 0.35);
}
.step-ic {
  width: 54px;
  height: 54px;
  border-radius: 50%;
  background: var(--blue-100);
  color: var(--blue-700);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 12px auto 16px;
}
.process-step h3 { font-size: 16.5px; font-weight: 800; margin: 0 0 8px; color: var(--ink-900); }
.process-step p { margin: 0; color: var(--ink-500); font-size: 13px; }
.step-arrow { color: var(--line); align-self: center; padding-top: 56px; }

/* -------------------- CTA 배너 -------------------- */
.cta-wrap { padding: 0; padding-bottom: 88px; }
.cta-banner {
  position: relative;
  overflow: hidden;
  background: linear-gradient(120deg, var(--blue-600), var(--teal-500));
  border-radius: var(--radius-lg);
  padding: 40px 44px;
  display: flex;
  align-items: center;
  gap: 28px;
  flex-wrap: wrap;
  box-shadow: 0 20px 44px rgba(20, 100, 180, 0.28);
}
.cta-won {
  position: absolute;
  right: 4%;
  top: 50%;
  transform: translateY(-50%);
  font-size: 130px;
  font-weight: 800;
  color: rgba(255, 255, 255, 0.12);
  line-height: 1;
  pointer-events: none;
}
.cta-banner-copy { flex: 1 1 auto; position: relative; z-index: 1; }
.cta-banner-copy strong { display: block; color: var(--white); font-size: 28px; font-weight: 800; margin-bottom: 6px; }
.cta-banner-copy strong em { font-style: normal; }
.cta-banner-copy span { color: rgba(255, 255, 255, 0.85); font-size: 14.5px; font-weight: 500; }
.cta-banner .btn { position: relative; z-index: 1; }

/* -------------------- 후기 -------------------- */
.review-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin-bottom: 40px;
}
.review-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 30px 26px;
  box-shadow: var(--shadow-sm);
}
.quote-ic { color: var(--blue-200, var(--blue-100)); color: var(--blue-500); opacity: .35; margin-bottom: 14px; display: block; }
.review-card p { margin: 0 0 22px; font-size: 14.5px; color: var(--ink-700); line-height: 1.65; }
.review-who { display: flex; align-items: center; gap: 10px; }
.avatar {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--blue-100);
  color: var(--blue-600);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.review-who strong { font-size: 14px; color: var(--ink-900); font-weight: 700; }

.resource-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}
.resource-card {
  display: flex;
  align-items: center;
  gap: 14px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 18px 18px;
  text-align: left;
  transition: border-color .15s ease, box-shadow .15s ease;
}
.resource-card:hover { border-color: var(--blue-500); box-shadow: var(--shadow-sm); }
.resource-ic {
  flex-shrink: 0;
  width: 42px;
  height: 42px;
  border-radius: 12px;
  background: var(--blue-100);
  color: var(--blue-600);
  display: flex;
  align-items: center;
  justify-content: center;
}
.resource-copy { flex: 1 1 auto; display: flex; flex-direction: column; gap: 3px; }
.resource-copy strong { font-size: 14.5px; color: var(--ink-900); font-weight: 700; }
.resource-copy small { font-size: 12.5px; color: var(--ink-500); }
.resource-chevron { color: var(--ink-400); flex-shrink: 0; }

/* -------------------- 상담 신청 -------------------- */
.apply-inner {
  display: grid;
  grid-template-columns: minmax(0, 480px) 1fr;
  gap: 44px;
  align-items: start;
}

.apply-form {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-md);
}
.apply-form h2 { font-size: 21px; font-weight: 800; color: var(--ink-900); margin: 0 0 26px; }

.field { margin-bottom: 18px; }
.field label {
  display: block;
  font-size: 13.5px;
  font-weight: 700;
  color: var(--ink-700);
  margin-bottom: 8px;
}
.field input[type="text"],
.field input[type="tel"],
.field select {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  font-size: 14.5px;
  color: var(--ink-900);
  background: var(--white);
  transition: border-color .15s ease, box-shadow .15s ease;
}
.field select { appearance: none; background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23667085' stroke-width='2'><path d='M6 9l6 6 6-6'/></svg>"); background-repeat: no-repeat; background-position: right 14px center; background-size: 16px; padding-right: 40px; }
.field input:focus, .field select:focus {
  outline: none;
  border-color: var(--blue-500);
  box-shadow: 0 0 0 4px rgba(59, 130, 246, 0.14);
}
.field input.invalid, .field select.invalid { border-color: #e5484d; }

.field-error {
  margin: 6px 0 0;
  font-size: 12.5px;
  color: #e5484d;
  display: none;
}
.field-error.show { display: block; }

.field-check { display: flex; align-items: center; flex-wrap: wrap; gap: 12px; position: relative; margin-bottom: 24px; }
.checkbox { display: flex; align-items: center; gap: 10px; font-size: 14px; color: var(--ink-700); cursor: pointer; }
.checkbox input { width: 19px; height: 19px; accent-color: var(--blue-600); cursor: pointer; }
.link-btn {
  margin-left: auto;
  background: none;
  border: none;
  color: var(--ink-500);
  font-size: 13px;
  display: inline-flex;
  align-items: center;
  gap: 3px;
  text-decoration: underline;
  text-underline-offset: 3px;
}
.link-btn:hover { color: var(--ink-900); }
.field-check .field-error { width: 100%; margin-top: -4px; }

.apply-info { display: flex; flex-direction: column; gap: 20px; padding-top: 6px; }
.info-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 24px;
}
.info-ic {
  flex-shrink: 0;
  width: 46px;
  height: 46px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 15px;
}
.info-ic.ic-blue { background: var(--blue-100); color: var(--blue-600); }
.info-ic.ic-teal { background: var(--teal-100); color: var(--teal-600); }
.info-item strong { display: block; font-size: 16px; color: var(--ink-900); margin-bottom: 6px; }
.info-item p { margin: 0; color: var(--ink-500); font-size: 13.5px; line-height: 1.6; }

/* -------------------- 푸터 -------------------- */
.site-footer { background: var(--navy-footer); padding-top: 52px; }
.footer-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 24px;
  padding-bottom: 36px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}
.footer-brand { display: flex; align-items: baseline; gap: 10px; }
.footer-brand .brand-mark { color: var(--white); }
.footer-tagline { color: rgba(255, 255, 255, 0.4); font-size: 12px; letter-spacing: 1px; text-transform: uppercase; }

.footer-nav { display: flex; gap: 30px; }
.footer-nav a { color: rgba(255, 255, 255, 0.65); font-size: 14.5px; font-weight: 600; }
.footer-nav a:hover { color: var(--blue-500); }

.footer-contact { display: flex; align-items: center; gap: 12px; color: var(--white); }
.footer-contact .ic { color: var(--teal-500); }
.footer-contact strong { display: block; font-size: 14.5px; }
.footer-contact span { font-size: 12.5px; color: rgba(255, 255, 255, 0.5); }

.footer-bottom { padding: 22px 0 30px; text-align: center; }
.footer-bottom p { margin: 0 0 8px; font-size: 12px; color: rgba(255, 255, 255, 0.35); }
.footer-copyright { color: rgba(255, 255, 255, 0.3) !important; margin-top: 12px !important; }

/* -------------------- 모달 -------------------- */
.modal { position: fixed; inset: 0; z-index: 200; display: flex; align-items: center; justify-content: center; padding: 20px; }
.modal[hidden] { display: none; }
.modal-backdrop { position: absolute; inset: 0; background: rgba(16, 32, 63, 0.55); backdrop-filter: blur(2px); }
.modal-panel {
  position: relative;
  background: var(--white);
  border-radius: var(--radius-lg);
  max-width: 480px;
  width: 100%;
  max-height: 85vh;
  overflow-y: auto;
  box-shadow: 0 30px 80px rgba(0,0,0,0.28);
  animation: modal-pop .22s ease;
}
@keyframes modal-pop { from { opacity: 0; transform: translateY(10px) scale(.98); } to { opacity: 1; transform: none; } }

.modal-head { display: flex; align-items: center; justify-content: space-between; padding: 24px 26px 0; }
.modal-head h3 { margin: 0; font-size: 18px; font-weight: 800; color: var(--ink-900); }
.modal-close { background: none; border: none; color: var(--ink-500); width: 32px; height: 32px; border-radius: 50%; display: flex; align-items: center; justify-content: center; }
.modal-close:hover { background: var(--bg-alt); }
.modal-body { padding: 20px 26px; }
.modal-body p { font-size: 13.5px; color: var(--ink-500); line-height: 1.7; margin: 0 0 16px; }
.modal-foot { padding: 0 26px 26px; }

.modal-panel-sm { max-width: 380px; text-align: center; padding: 40px 32px 32px; }
.modal-success-ic {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 68px;
  height: 68px;
  border-radius: 50%;
  background: var(--blue-100);
  color: var(--blue-600);
  margin-bottom: 20px;
}
.modal-panel-sm h3 { font-size: 19px; font-weight: 800; color: var(--ink-900); margin: 0 0 10px; }
.modal-panel-sm p { font-size: 14px; color: var(--ink-500); margin: 0 0 26px; line-height: 1.6; }

/* -------------------- 맨 위로 -------------------- */
.to-top {
  position: fixed;
  right: 24px;
  bottom: 24px;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--blue-600);
  color: var(--white);
  border: none;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-blue);
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity .2s ease, transform .2s ease, visibility .2s ease;
  z-index: 90;
}
.to-top.show { opacity: 1; visibility: visible; transform: none; }

/* -------------------- 스크롤 리빌 -------------------- */
[data-reveal] { opacity: 0; transform: translateY(18px); transition: opacity .6s ease, transform .6s ease; }
[data-reveal].in { opacity: 1; transform: none; }

/* =========================================================
   반응형
========================================================= */
@media (max-width: 1024px) {
  .wrap { padding: 0 20px; }

  .hero-inner { flex-direction: column; align-items: center; min-height: 0; }
  .hero-figure { position: static; order: -1; width: min(300px, 65%); max-width: none; min-width: 0; margin: 0 0 12px; }
  .hero-figure-badge { display: none; }
  .hero-copy { padding: 44px 0 40px; text-align: center; max-width: none; }
  .hero-btns { justify-content: center; }
  .hero-stats { justify-content: center; }
  .hero-stats li { flex: 0 1 auto; }

  .feature-grid { grid-template-columns: repeat(2, 1fr); }
  .strip-list { grid-template-columns: repeat(2, 1fr); }
  .strip-list li { border-right: none; border-bottom: 1px solid var(--line); padding: 10px 0; }
  .strip-list li:nth-child(2n) { padding-left: 14px; }

  .process-flow { grid-template-columns: repeat(2, 1fr); gap: 18px; }
  .step-arrow { display: none; }

  .review-grid { grid-template-columns: repeat(2, 1fr); }
  .resource-grid { grid-template-columns: 1fr; }

  .apply-inner { grid-template-columns: 1fr; gap: 32px; }
}

@media (max-width: 860px) {
  .main-nav, .header-cta { display: none; }
  .nav-toggle { display: flex; }
}

@media (max-width: 640px) {
  .section { padding: 60px 0; }
  .cta-wrap { padding-bottom: 60px; }
  .hero-title { font-size: 30px; }
  .hero-btns { flex-direction: column; width: 100%; }
  .hero-btns .btn { width: 100%; }
  .hero-stats { flex-direction: column; align-items: stretch; padding: 16px 20px; }
  .hero-stats li { border-right: none; border-bottom: 1px solid var(--line); padding: 12px 0; }
  .hero-stats li:last-child { border-bottom: none; padding-bottom: 4px; }

  .feature-grid { grid-template-columns: 1fr; }
  .strip-list { grid-template-columns: 1fr; }
  .strip-list li { border-bottom: 1px solid var(--line); padding: 12px 0 !important; }
  .strip-list li:last-child { border-bottom: none; }

  .process-flow { grid-template-columns: 1fr; }

  .cta-banner { flex-direction: column; text-align: center; padding: 32px 24px; }
  .cta-won { display: none; }

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

  .apply-form { padding: 26px 22px; }
  .field-check { flex-direction: column; align-items: flex-start; }
  .link-btn { margin-left: 0; }

  .footer-inner { flex-direction: column; align-items: flex-start; }
  .footer-nav { gap: 20px; flex-wrap: wrap; }

  /* 히어로 인물 이미지는 모바일에서 숨기고, 대신 상담 신청 폼을 히어로 바로 아래로 이동 */
  .hero-figure { display: none; }
  .hero-copy { padding-bottom: 24px; }

  main { display: flex; flex-direction: column; }
  .hero { order: 1; }
  #apply { order: 2; padding: 48px 0 56px; }
  .trust-band { order: 3; }
  #service { order: 4; }
  #process { order: 5; }
  .cta-wrap { order: 6; }
  #reviews { order: 7; }
}