@charset "utf-8";
/* ============================================================
   어린이보험 다이렉트 (childdirect.co.kr)
   디자인 : 다이렉트 = 빠르고 또렷한 디지털 톤
   · 코발트 블루 + 비비드 옐로 + 화이트, Black Han Sans 헤드라인
   · 폼은 풀폭 가로 폼바(100%) : 히어로 아래 한 줄 배치
     (모바일에서는 세로로 접힘 — 첫 화면에 폼 노출)
   · 폼 라벨 : 자녀 기준 / 마퀴 항상 자동 / termsModal 760px / 앵커 3종
   · 메인 : 다이렉트 장점 → 6카드 → 보장 항목 → 가입 3스텝 → FAQ
   ============================================================ */
:root{
  --blue:#2f6bff;          /* 코발트 블루 */
  --blue-deep:#1d4fd0;
  --blue-soft:#e7eeff;
  --yellow:#ffd23e;        /* 비비드 옐로 */
  --yellow-deep:#cf8f0a;
  --yellow-soft:#fff6d6;
  --ink:#1c2746;           /* 딥 잉크 */
  --soft:#6b7392;
  --cream:#f6f8ff;
  --paper:#ffffff;
  --line:#e6ebf5;
  --r:20px;
  --shadow:0 14px 32px rgba(28,39,70,.12);
  --disp:'Black Han Sans','Pretendard',sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Pretendard',system-ui,sans-serif;color:var(--ink);background:var(--paper);line-height:1.7;-webkit-font-smoothing:antialiased;overflow-x:clip}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
button{font-family:inherit;color:inherit}
.wrap{max-width:1160px;margin:0 auto;padding:0 22px}

/* ===== Header ===== */
header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.95);backdrop-filter:blur(10px);border-bottom:2.5px solid var(--blue)}
.nav{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand{display:flex;align-items:center;gap:9px}
.brand .mark{width:38px;height:38px;display:grid;place-items:center}
.brand .mark svg{width:38px;height:38px;filter:drop-shadow(0 3px 6px rgba(47,107,255,.3))}
.brand h1{font-family:var(--disp);font-size:25px;font-weight:400;letter-spacing:-.5px;line-height:1;margin:0;color:var(--blue-deep)}
nav ul{display:flex;gap:2px;list-style:none}
nav a{font-weight:700;font-size:15px;color:var(--ink);padding:8px 13px;border-radius:10px;transition:background .15s,color .15s}
nav a:hover{background:var(--blue-soft);color:var(--blue-deep)}
nav a.active{background:var(--blue-deep);color:#fff}
.hbtn{background:var(--yellow);color:var(--ink);border-radius:10px;padding:10px 20px;font-weight:800;font-size:14px;display:inline-flex;align-items:center;gap:6px;box-shadow:0 6px 16px rgba(255,210,62,.5);transition:transform .15s,background .15s,color .15s}
.hbtn:hover{transform:translateY(-2px);background:var(--blue-deep);color:#fff}
.burger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:6px;background:none;border:0}
.burger span{width:24px;height:2.5px;background:var(--ink);border-radius:2px}

/* ===== Mobile menu ===== */
.mmenu{display:none;position:fixed;inset:0;z-index:80;background:rgba(28,39,70,.55)}
.mmenu.open{display:block}
.mpanel{position:absolute;right:0;top:0;height:100%;width:78%;max-width:320px;background:#fff;border-radius:20px 0 0 20px;padding:26px 24px;overflow-y:auto;box-shadow:-12px 0 32px rgba(28,39,70,.35)}
.mpanel .x{background:var(--blue-soft);border:0;width:38px;height:38px;border-radius:50%;font-size:20px;font-weight:800;cursor:pointer;display:block;margin-left:auto;color:var(--blue-deep)}
.mpanel ul{list-style:none;margin-top:16px}
.mpanel li{border-bottom:1.5px solid var(--line)}
.mlink{display:block;padding:13px 6px;font-family:var(--disp);font-weight:400;font-size:22px;letter-spacing:-.5px;color:var(--ink)}
.mlink:hover{color:var(--blue-deep)}
.mlink.hl{background:var(--yellow);color:var(--ink);text-align:center;border-radius:12px;margin-top:16px;border-bottom:0;box-shadow:0 6px 16px rgba(255,210,62,.5)}

/* ===== Hero ===== */
.hero{position:relative;overflow:clip;background:linear-gradient(135deg,var(--blue) 0%,var(--blue-deep) 100%);padding:46px 0 86px;color:#fff}
.hero::before{content:"";position:absolute;right:-80px;top:-60px;width:280px;height:280px;border-radius:50%;background:rgba(255,210,62,.18)}
.hero::after{content:"";position:absolute;left:-60px;bottom:40px;width:200px;height:200px;border-radius:50%;background:rgba(255,255,255,.08)}
.hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:1.08fr .92fr;gap:36px;align-items:center}
.hero-copy .tagpill{display:inline-flex;align-items:center;gap:8px;background:var(--yellow);color:var(--ink);border-radius:999px;padding:7px 18px;font-weight:800;font-size:13px;margin-bottom:14px;box-shadow:0 6px 16px rgba(0,0,0,.16)}
.hero-copy h2{font-family:var(--disp);font-weight:400;font-size:clamp(38px,5.4vw,64px);line-height:1.08;letter-spacing:-1px;color:#fff}
.hero-copy h2 b{color:var(--yellow);font-weight:400}
.hero-copy .lead{margin-top:14px;font-size:16px;color:rgba(255,255,255,.9);max-width:480px}
.hero-copy .lead b{color:#fff;font-weight:800}
.hero-illo{text-align:center}
.hero-illo img{width:100%;max-width:380px;margin:0 auto;filter:drop-shadow(0 16px 30px rgba(0,0,0,.25))}

/* ===== 풀폭 가로 폼바 (100%) ===== */
.qbarwrap{position:relative;z-index:5;margin-top:-58px}
.qbar{background:#fff;border:3px solid var(--yellow);border-radius:22px;box-shadow:0 24px 50px rgba(28,39,70,.22);padding:20px 24px;scroll-margin-top:84px}
.qbar .qbar-head{display:flex;align-items:baseline;gap:12px;flex-wrap:wrap;margin-bottom:14px}
.qbar .qbar-head h3{font-family:var(--disp);font-weight:400;font-size:30px;line-height:1;letter-spacing:-.5px;color:var(--ink)}
.qbar .qbar-head h3 span{color:var(--blue-deep)}
.qbar .qbar-head .qsub{font-size:13px;color:var(--soft);font-weight:700}
.qbar .qbar-head .qsub b{color:var(--blue-deep)}
.qbar-grid{display:grid;grid-template-columns:1.05fr 1.1fr 1fr 1.25fr 1fr;gap:13px;align-items:end}
.field{margin:0}
.field label{display:block;font-size:12.5px;font-weight:800;margin-bottom:5px;color:var(--ink)}
.field label i{font-style:normal;display:inline-grid;place-items:center;width:18px;height:18px;border-radius:5px;background:var(--blue);color:#fff;font-size:11px;font-weight:800;margin-right:5px;vertical-align:-3px}
.txt{width:100%;border:2px solid var(--line);background:var(--cream);border-radius:11px;padding:12px 13px;font-size:15px;font-family:inherit;color:var(--ink);appearance:none;-webkit-appearance:none;transition:border .15s,box-shadow .15s,background .15s}
.txt:focus{outline:none;border-color:var(--blue);background:#fff;box-shadow:0 0 0 4px rgba(47,107,255,.18)}
.txt::placeholder{color:#aab2c8}
select.txt{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%231c2746' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 11px center;padding-right:30px}
.seg{display:grid;grid-template-columns:1fr 1fr;gap:7px}
.seg button{border:2px solid var(--line);background:var(--cream);border-radius:11px;padding:11px 0;font-size:14px;font-weight:800;cursor:pointer;color:var(--soft);transition:all .15s}
.seg button:hover{border-color:var(--blue);color:var(--blue-deep)}
.seg button.on{background:var(--blue);border-color:var(--blue);color:#fff;box-shadow:0 5px 12px rgba(47,107,255,.32)}
.phone-row{display:grid;grid-template-columns:70px 1fr;gap:7px}
.submit{width:100%;background:var(--blue-deep);color:#fff;border:0;border-radius:12px;padding:14px 0;font-size:23px;font-weight:400;font-family:var(--disp);line-height:1;letter-spacing:-.5px;cursor:pointer;box-shadow:0 8px 20px rgba(29,79,208,.4);transition:transform .12s,box-shadow .15s,background .15s,color .15s}
.submit:hover{transform:translateY(-2px);box-shadow:0 12px 26px rgba(255,210,62,.5);background:var(--yellow);color:var(--ink)}
.submit:active{transform:translateY(1px)}
.qbar-foot{display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap;margin-top:13px;padding-top:13px;border-top:1.5px solid var(--line)}
.privacy_wrap{display:flex;align-items:center;gap:7px;font-size:13px}
.privacy_wrap input[type=checkbox]{width:17px;height:17px;accent-color:var(--blue-deep)}
.privacy_label{font-weight:700;color:var(--ink)}
.privacy_view{font-weight:800;color:var(--blue-deep);text-decoration:underline;text-underline-offset:3px}
.privacy_view:hover{color:var(--yellow-deep)}
.trustrow{display:flex;gap:14px;font-size:12.5px;font-weight:700;color:var(--soft);flex-wrap:wrap}
.trustrow b{color:var(--blue-deep)}
.err{display:none;background:#fdeeee;border:2px solid #f2bcbc;border-radius:10px;color:#bb3b3b;font-size:13.5px;font-weight:700;padding:9px 13px;margin:10px 0 0;text-align:center;width:100%}

/* ===== Insurer marquee ===== */
.insurers{padding:46px 0 8px}
.insurers .cap{text-align:center;font-size:12.5px;font-weight:800;color:var(--soft);letter-spacing:2.5px;margin-bottom:15px}
.marquee{overflow:hidden;width:100%;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.track{display:flex;gap:13px;list-style:none;width:max-content;animation:marquee 30s linear infinite;padding:6px 0}
.marquee:hover .track{animation-play-state:paused}
.track li{position:relative;background:#fff;border:2px solid var(--blue);border-radius:11px;padding:9px 20px 9px 38px;font-weight:800;font-size:14.5px;color:var(--ink);white-space:nowrap;box-shadow:0 4px 10px rgba(47,107,255,.12)}
.track li::before{content:"⚡";position:absolute;left:14px;top:50%;transform:translateY(-50%);font-size:13px}
.track li:nth-child(3n){border-color:var(--yellow-deep)}
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1!important;transform:none!important;transition:none!important}
}

/* ===== 공통 섹션 ===== */
.block{padding:60px 0}
.center{text-align:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-weight:800;font-size:13px;letter-spacing:1px;color:var(--blue-deep);background:var(--blue-soft);border-radius:999px;padding:7px 17px;margin-bottom:13px}
.title{font-family:var(--disp);font-weight:400;font-size:clamp(30px,4.4vw,48px);letter-spacing:-.5px;line-height:1.18;color:var(--ink)}
.title b{color:var(--blue-deep);font-weight:400}
.title .y{color:var(--yellow-deep);font-weight:400}
.desc{margin-top:10px;color:var(--soft);font-size:15.5px}
.desc b{color:var(--ink)}

/* 다이렉트 장점 카드 */
.perks{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:40px}
.perk{position:relative;background:#fff;border:2.5px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);padding:26px 22px 22px;text-align:center;transition:transform .2s,border .2s}
.perk:hover{transform:translateY(-6px);border-color:var(--blue)}
.perk .pi{width:60px;height:60px;margin:0 auto 12px;border-radius:16px;background:var(--blue-soft);display:grid;place-items:center;font-size:28px}
.perk:nth-child(2) .pi{background:var(--yellow-soft)}
.perk:nth-child(4) .pi{background:var(--yellow-soft)}
.perk h3{font-family:var(--disp);font-weight:400;font-size:23px;letter-spacing:-.5px;color:var(--ink)}
.perk p{margin-top:6px;font-size:13.6px;color:var(--soft)}

/* 6 메뉴 카드 */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:40px}
.mcard{background:#fff;border:2.5px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);display:block;overflow:hidden;transition:transform .2s,box-shadow .2s,border .2s}
.mcard:hover{transform:translateY(-7px);border-color:var(--blue);box-shadow:0 22px 44px rgba(47,107,255,.18)}
.mcard .thumb{display:block;aspect-ratio:72/50;overflow:hidden;background:var(--blue-soft);border-bottom:2.5px solid var(--line)}
.mcard .thumb img{width:100%;height:100%;object-fit:cover;transition:transform .35s}
.mcard:hover .thumb img{transform:scale(1.045)}
.mcard .cap{display:block;padding:14px 20px 17px}
.mcard h3{font-family:var(--disp);font-size:24px;font-weight:400;line-height:1.05;letter-spacing:-.5px;display:flex;align-items:center;justify-content:space-between;color:var(--ink)}
.mcard .go{width:28px;height:28px;border-radius:8px;background:var(--blue-soft);color:var(--blue-deep);display:grid;place-items:center;font-size:13px;transition:background .2s,color .2s,transform .2s}
.mcard:hover .go{background:var(--blue-deep);color:#fff;transform:translateX(3px)}
.mcard p{margin-top:5px;font-size:13.6px;color:var(--soft)}

/* 보장 항목 표 */
.gentable{margin-top:34px;border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow);background:#fff;border:2.5px solid var(--line)}
.gentable table{width:100%;border-collapse:collapse;font-size:14.4px}
.gentable th{background:var(--blue-deep);color:#fff;font-weight:800;padding:13px 16px;text-align:left}
.gentable th b{color:var(--yellow)}
.gentable td{padding:13px 16px;border-top:1.5px solid var(--line);color:var(--soft);vertical-align:top}
.gentable td b{color:var(--ink)}
.gentable tr:nth-child(even) td{background:var(--cream)}

/* 가입 3스텝 */
.flow{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:40px;counter-reset:fl}
.fcard{position:relative;background:#fff;border:2.5px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);padding:30px 24px 24px;counter-increment:fl;text-align:center}
.fcard::before{content:"0" counter(fl);position:absolute;top:-18px;left:50%;transform:translateX(-50%);background:var(--blue-deep);color:#fff;font-family:var(--disp);font-weight:400;font-size:22px;letter-spacing:-.5px;width:48px;height:36px;border-radius:10px;display:grid;place-items:center;box-shadow:0 6px 14px rgba(29,79,208,.36)}
.fcard:nth-child(2)::before{background:var(--yellow-deep)}
.fcard .fi{font-size:34px;margin:6px 0 8px}
.fcard h3{font-family:var(--disp);font-weight:400;font-size:24px;letter-spacing:-.5px;color:var(--ink);margin-bottom:4px}
.fcard p{font-size:13.8px;color:var(--soft)}

/* 콜아웃 */
.callout{margin-top:30px;background:var(--yellow-soft);border:2.5px solid var(--yellow);border-radius:var(--r);padding:20px 25px;display:flex;gap:14px;align-items:flex-start;box-shadow:var(--shadow)}
.callout .ci{flex:none;width:38px;height:38px;border-radius:10px;background:#fff;color:var(--yellow-deep);display:grid;place-items:center;font-size:19px;border:2px solid var(--yellow)}
.callout h3{font-family:var(--disp);font-size:22px;line-height:1.1;font-weight:400;letter-spacing:-.5px;margin-bottom:5px;color:var(--yellow-deep)}
.callout p{font-size:14.3px;color:#7a5e12}
.callout p a{color:inherit;text-decoration:underline;text-underline-offset:3px;font-weight:700}

/* FAQ */
.faq{margin-top:34px;max-width:920px;margin-left:auto;margin-right:auto}
.qa{background:#fff;border:2.5px solid var(--line);border-radius:14px;margin-bottom:12px;box-shadow:var(--shadow);overflow:hidden;transition:box-shadow .2s,transform .2s,border .2s}
.qa.open{transform:translateY(-2px);border-color:var(--blue);box-shadow:0 18px 36px rgba(47,107,255,.16)}
.qa .q{width:100%;display:flex;align-items:center;justify-content:space-between;gap:14px;background:none;border:0;text-align:left;padding:17px 21px;font-size:15.5px;font-weight:800;cursor:pointer;color:var(--ink)}
.qa .q:hover{background:var(--cream)}
.qa .qmark{color:var(--blue-deep);font-family:var(--disp);font-weight:400;margin-right:9px;font-size:20px;letter-spacing:-.5px}
.qa .ar{width:28px;height:28px;border-radius:8px;background:var(--blue-soft);color:var(--blue-deep);display:grid;place-items:center;font-size:16px;font-weight:900;flex:none;transition:transform .25s,background .2s,color .2s}
.qa.open .ar{transform:rotate(45deg);background:var(--blue-deep);color:#fff}
.qa .a{max-height:0;overflow:hidden;transition:max-height .35s ease;color:var(--soft);font-size:14.6px}
.qa .a > div{padding:0 21px 19px;border-top:1.5px solid var(--line);padding-top:14px}
.faqmore{display:inline-block;margin-top:10px;font-weight:800;font-size:14.5px;color:var(--blue-deep);text-decoration:underline;text-underline-offset:3px}
.faqmore:hover{color:var(--yellow-deep)}

/* CTA */
.ctaband{position:relative;text-align:center;background:linear-gradient(135deg,var(--blue) 0%,var(--blue-deep) 100%);color:#fff;padding:50px 30px;border-radius:26px;overflow:clip;box-shadow:0 24px 50px rgba(29,79,208,.32)}
.ctaband::before{content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;border-radius:50%;background:rgba(255,210,62,.22)}
.ctaband::after{content:"";position:absolute;left:30px;bottom:-80px;width:200px;height:200px;border-radius:50%;background:rgba(255,255,255,.08)}
.ctaband h2{font-family:var(--disp);font-weight:400;font-size:clamp(32px,4.4vw,52px);line-height:1.12;letter-spacing:-.5px;color:#fff;position:relative;z-index:1}
.ctaband h2 b{color:var(--yellow);font-weight:400}
.ctaband p{margin:10px 0 22px;color:rgba(255,255,255,.9);font-size:15px;font-weight:600;position:relative;z-index:1}
.ctaband a{display:inline-block;background:var(--yellow);color:var(--ink);border-radius:12px;padding:13px 42px;font-weight:400;font-size:25px;line-height:1;letter-spacing:-.5px;font-family:var(--disp);box-shadow:0 10px 26px rgba(0,0,0,.2);transition:transform .15s,background .15s,color .15s;position:relative;z-index:1}
.ctaband a:hover{transform:translateY(-2px);background:#fff;color:var(--blue-deep)}

/* 하단 고정 CTA 바 */
.stickybar{position:fixed;left:0;right:0;bottom:0;z-index:70;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);padding:11px 16px;display:flex;align-items:center;justify-content:center;gap:16px;transform:translateY(110%);transition:transform .3s ease;border-top:2.5px solid var(--blue-deep)}
.stickybar.show{transform:translateY(0)}
.stickybar p{font-size:14px;color:var(--ink);font-weight:700}
.stickybar p b{font-weight:900;color:var(--blue-deep)}
.stickybar a{background:var(--blue-deep);color:#fff;padding:11px 26px;border-radius:10px;font-weight:800;font-size:14px;box-shadow:0 6px 16px rgba(29,79,208,.35);transition:transform .15s,background .15s,color .15s}
.stickybar a:hover{transform:translateY(-2px);background:var(--yellow);color:var(--ink)}

/* 서브 페이지 헤더 */
.subhero{position:relative;overflow:clip;padding:48px 0 48px;text-align:center;background:linear-gradient(135deg,var(--blue) 0%,var(--blue-deep) 100%);color:#fff}
.subhero::before{content:"";position:absolute;right:-60px;top:-50px;width:200px;height:200px;border-radius:50%;background:rgba(255,210,62,.18)}
.subhero .crumb{font-size:13px;color:rgba(255,255,255,.8);margin-bottom:9px;font-weight:700;position:relative;z-index:1}
.subhero .crumb a{color:var(--yellow);text-decoration:underline;text-underline-offset:3px}
.subhero .crumb a:hover{color:#fff}
.subhero .crumb span{margin:0 7px;color:rgba(255,255,255,.4)}
.subhero .dept{display:inline-flex;align-items:center;gap:8px;background:var(--yellow);color:var(--ink);border-radius:999px;padding:6px 17px;font-weight:800;font-size:13px;letter-spacing:.5px;margin-bottom:11px;position:relative;z-index:1}
.subhero h2{font-family:var(--disp);font-weight:400;font-size:clamp(34px,5vw,56px);line-height:1.1;letter-spacing:-1px;color:#fff;position:relative;z-index:1}
.subhero h2 b{color:var(--yellow);font-weight:400}
.subhero p{margin:10px auto 0;color:rgba(255,255,255,.9);font-size:15px;max-width:600px;position:relative;z-index:1}

/* 본문 콘텐츠 */
.article{padding:48px 22px 64px}
.article .inner{max-width:940px;margin:0 auto}
.article .sec{margin-bottom:48px}
.article h3.h{font-family:var(--disp);font-weight:400;font-size:29px;line-height:1.15;letter-spacing:-.5px;color:var(--ink);display:flex;align-items:center;gap:11px;margin-bottom:13px}
.article h3.h::before{content:"⚡";flex:none;font-size:22px}
.article .sec:nth-child(even) h3.h::before{content:"✓";color:var(--blue);font-weight:900}
.article p.t{color:var(--soft);font-size:15.6px;margin-bottom:12px}
.article p.t b{color:var(--ink)}
.article p.t a{color:var(--blue-deep);text-decoration:underline;text-underline-offset:3px;font-weight:700}
.article p.t a:hover{color:var(--yellow-deep)}
.steps{counter-reset:st;display:grid;gap:15px;margin-top:22px}
.step{background:#fff;border:2.5px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:20px 23px 20px 76px;position:relative;counter-increment:st}
.step::before{content:counter(st);position:absolute;left:19px;top:18px;width:40px;height:40px;border-radius:10px;background:var(--blue-soft);color:var(--blue-deep);font-family:var(--disp);font-weight:400;font-size:22px;display:grid;place-items:center}
.step h3{font-family:var(--disp);font-size:23px;line-height:1.1;font-weight:400;letter-spacing:-.5px;margin-bottom:5px;color:var(--ink)}
.step p{font-size:14.2px;color:var(--soft)}
.step p b{color:var(--ink)}
.step p a{color:var(--blue-deep);text-decoration:underline;text-underline-offset:3px;font-weight:700}
.checklist{list-style:none;margin-top:17px;display:grid;gap:10px}
.checklist li{background:#fff;border:2px solid var(--line);border-radius:12px;padding:13px 17px 13px 44px;position:relative;font-size:14.4px;color:var(--soft);box-shadow:var(--shadow)}
.checklist li::before{content:"⚡";position:absolute;left:15px;top:12px;font-size:14px}
.checklist li b{color:var(--ink)}
.article .gentable{margin-top:20px}

/* Footer */
footer{background:#161d33;color:#fff;padding:0 0 34px;margin-top:22px}
footer::before{content:"";display:block;height:10px;margin-bottom:42px;background:linear-gradient(90deg,var(--blue) 0%,var(--blue) 50%,var(--yellow) 50%)}
.fnotes{background:rgba(255,255,255,.06);border-radius:12px;padding:19px 22px;font-size:12.6px;line-height:1.85;color:rgba(255,255,255,.72)}
.fnotes .strong{font-weight:800;color:var(--yellow);margin-bottom:6px}
.fbot{display:flex;align-items:flex-end;justify-content:space-between;gap:20px;margin-top:25px;flex-wrap:wrap}
.fbrand{display:flex;align-items:center;gap:9px;font-family:var(--disp);font-weight:400;font-size:23px;letter-spacing:-.5px;line-height:1;color:#fff}
.fbrand .mark{width:28px;height:28px}
.fbrand .mark svg{width:28px;height:28px}
.fcorp{margin-top:8px;font-size:12.4px;color:rgba(255,255,255,.55)}
.flinks{display:flex;gap:18px}
.flinks a{font-size:13.4px;font-weight:800;color:var(--yellow);text-decoration:underline;text-underline-offset:3px}
.flinks a:hover{background:var(--yellow);color:#161d33;text-decoration:none;border-radius:5px}

/* Modal */
.modal{display:none;position:fixed;inset:0;z-index:120;background:rgba(28,39,70,.6);padding:20px}
.modal.open{display:flex;align-items:center;justify-content:center}
.mbox{background:#fff;width:100%;max-width:480px;border:2.5px solid var(--blue-deep);border-radius:20px;box-shadow:0 30px 70px rgba(0,0,0,.45);animation:rise .25s ease;overflow:hidden}
#termsModal .mbox{max-width:760px}
@keyframes rise{from{transform:translateY(18px);opacity:0}to{transform:none;opacity:1}}
.mtop{display:flex;align-items:center;justify-content:space-between;padding:13px 24px;background:var(--blue-deep)}
.mtop h3{font-family:var(--disp);font-size:23px;line-height:1.1;font-weight:400;letter-spacing:-.5px;color:#fff}
.mclose{background:rgba(255,255,255,.22);border:0;width:32px;height:32px;border-radius:50%;font-size:18px;font-weight:900;cursor:pointer;line-height:1;color:#fff}
.mclose:hover{background:var(--yellow);color:var(--ink)}
.mbody{padding:22px 24px;max-height:60vh;overflow-y:auto}
.mbody.nopad{padding:0;max-height:none;overflow:hidden}
.terms-frame{width:100%;height:65vh;border:0;display:block;background:#fff}
.mfoot{display:flex;gap:10px;justify-content:flex-end;padding:14px 22px;border-top:1.5px solid var(--line);background:var(--cream)}
.mbtn{background:var(--blue-deep);color:#fff;border:0;border-radius:10px;padding:12px 24px;font-weight:800;font-size:14.5px;cursor:pointer;transition:background .15s,color .15s;box-shadow:0 5px 14px rgba(29,79,208,.3)}
.mbtn:hover{background:var(--yellow);color:var(--ink)}
.mbtn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.mbtn.ghost:hover{background:var(--ink);color:#fff;border-color:var(--ink)}
.mbtn.full{width:100%}
.smsinfo{font-size:15px;text-align:center;margin-bottom:16px;color:var(--soft)}
.smsinfo b{color:var(--blue-deep)}
.demohint{display:none}
.resend{display:block;margin:13px auto 0;background:none;border:0;font-size:13.5px;font-weight:700;color:var(--soft);text-decoration:underline;text-underline-offset:3px;cursor:pointer}
.resend:hover{color:var(--yellow-deep)}
.field.mfield{margin-top:18px}
.mfield label{display:block;font-size:13px;font-weight:800;margin-bottom:4px;color:var(--ink)}

/* Reveal */
.reveal{opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}

/* Responsive */
@media (max-width:980px){
  nav{display:none}
  header .hbtn{display:none}
  .burger{display:flex}
  .perks{grid-template-columns:1fr 1fr;gap:16px}
  .cards{grid-template-columns:1fr 1fr;gap:16px}
  .flow{grid-template-columns:1fr;gap:30px}
  .gentable{overflow-x:auto}
  /* 가로 폼바 → 2열 */
  .qbar-grid{grid-template-columns:1fr 1fr;gap:12px}
  .qbar-grid .submit{font-size:22px;padding:13px 0}
}
@media (max-width:760px){
  .hero{padding:30px 0 78px}
  .hero-grid{grid-template-columns:1fr;gap:18px;text-align:center}
  .hero-illo{display:none}
  .hero-copy .lead{margin-left:auto;margin-right:auto}
  .qbarwrap{margin-top:-56px}
  .qbar-grid{grid-template-columns:1fr}
  .perks{grid-template-columns:1fr 1fr}
}
@media (max-width:480px){
  .cards{grid-template-columns:1fr}
  .perks{grid-template-columns:1fr}
  .stickybar p{display:none}
  .stickybar a{width:100%;text-align:center}
}