:root {
  --navy: #003478;
  --navy-deep: #00224f;
  --blue: #0066b3;
  --blue2: #1a7fd4;
  --sky: #e8f3fc;
  --sky2: #f3f8fd;
  --gold: #c9a227;
  --ink: #111;
  --text: #333;
  --muted: #7a8290;
  --line: #e4e8ee;
  --bg: #f5f7fa;
  --danger: #d7000f;
  --brandColor: #0066b3;
  --radius: 14px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: "Pretendard", "Noto Sans KR", "Apple SD Gothic Neo", sans-serif;
  color: var(--text);
  background: #eef2f6;
  letter-spacing: -0.04em;
  padding-bottom: 78px;
}
img { max-width: 100%; display: block; }
button, input, select { font-family: inherit; }
a { color: inherit; text-decoration: none; }
.wrap { max-width: 780px; margin: 0 auto; background: #fff; position: relative; }

.header {
  position: sticky; top: 0; z-index: 40;
  display: flex; align-items: center; justify-content: flex-end;
  height: 58px; padding: 0 16px;
  background: #fff; border-bottom: 1px solid #edf0f4;
}
.header .btn-call {
  display: inline-flex; align-items: center; justify-content: center;
  min-width: 78px; height: 34px; padding: 0 12px; border: 0; border-radius: 17px;
  background: var(--navy); color: #fff; font-size: 13px; font-weight: 700; cursor: pointer;
}

.hero {
  position: relative;
  padding: 28px 20px 90px;
  background:
    radial-gradient(circle at 88% 12%, rgba(26,127,212,.28), transparent 28%),
    linear-gradient(160deg, #00224f 0%, #003478 46%, #00539a 100%);
  color: #fff; overflow: hidden;
}
.hero .badge {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 5px 10px; border-radius: 20px;
  background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.2);
  font-size: 12px; font-weight: 700; color: #d7ecff;
}
.hero h1 {
  margin-top: 12px; font-size: 32px; line-height: 1.25; font-weight: 800;
  letter-spacing: -0.07em;
}
.hero h1 .h1-k {
  display: block; margin-bottom: 8px;
  font-size: 15px; font-weight: 800; letter-spacing: -0.03em; color: #9fd4ff;
}
.hero h1 em { font-style: normal; color: #8fd0ff; }
.hero .hero-sub { margin-top: 14px; font-size: 14px; font-weight: 700; color: #9fd4ff; }
.hero .lead { margin-top: 10px; font-size: 16px; line-height: 1.55; color: #d7e8f8; font-weight: 500; }
.hero-nums {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px;
  margin-top: 22px;
}
.hero-nums div {
  padding: 12px 8px; border-radius: 12px;
  background: rgba(255,255,255,.1); text-align: center;
}
.hero-nums b { display: block; font-size: 18px; color: #fff; }
.hero-nums span { display: block; margin-top: 3px; font-size: 11px; color: #c5dbf0; }
.hero-art {
  position: absolute; right: -18px; bottom: 70px; width: 180px; height: 180px;
  opacity: .9; pointer-events: none;
}

.form-card {
  position: relative; z-index: 2;
  margin: -72px 16px 0;
  padding: 22px 18px 18px;
  background: #fff;
  border: 1px solid #d7e6f5;
  border-radius: 18px;
  box-shadow: 0 16px 36px rgba(0, 52, 120, 0.12);
}
.form-kicker { text-align: center; color: var(--blue); font-size: 13px; font-weight: 800; }
.form-title { text-align: center; font-size: 22px; color: #111; margin: 4px 0 10px; font-weight: 800; }
.cta-desc { text-align: center; font-size: 14px; line-height: 1.5; color: #667085; margin: 0 0 16px; }
.cta-btn {
  display: flex; align-items: center; justify-content: center; text-decoration: none;
}
.field { display: block; margin-bottom: 12px; }
.field > span { display: block; margin-bottom: 6px; font-size: 13px; font-weight: 700; color: #222; }
.field input[type="text"], .field input[type="tel"], .field select, .phone-row select {
  width: 100%; height: 48px; border: 1px solid #d5dbe3; border-radius: 10px;
  padding: 0 12px; font-size: 15px; outline: none; background: #fff;
}
.field input:focus, .field select:focus { border-color: var(--blue); }
.phone-row { display: flex; gap: 8px; }
.phone-row select { width: 88px; flex: 0 0 88px; }
.phone-row input { flex: 1; }
.sex-row { display: flex; height: 48px; border: 1px solid #d5dbe3; border-radius: 10px; overflow: hidden; }
.sex-row input { position: absolute; width: 1px; height: 1px; opacity: 0; }
.sex-pill {
  flex: 1; display: flex; align-items: center; justify-content: center;
  font-size: 15px; font-weight: 700; color: #666; cursor: pointer; background: #fff;
}
.sex-pill + .sex-pill { border-left: 1px solid #d5dbe3; }
.sex-row input:checked + .sex-pill,
.sex-pill.select_bt_on { background: var(--navy); color: #fff; }
.agree-line {
  width: 100%; height: 44px; margin: 4px 0 12px; border: 0; border-radius: 10px;
  background: var(--sky); color: var(--navy); font-size: 14px; font-weight: 700; cursor: pointer;
}
.submit-btn {
  width: 100%; height: 54px; border: 0; border-radius: 12px;
  background: linear-gradient(180deg, #1a7fd4, var(--navy));
  color: #fff; font-size: 18px; font-weight: 800; cursor: pointer;
  box-shadow: 0 10px 18px rgba(0, 102, 179, 0.28);
}
.form-note { margin-top: 10px; font-size: 11px; color: #98a0ab; line-height: 1.5; text-align: center; }

.sec { padding: 36px 20px 8px; }
.kicker { font-size: 13px; color: var(--blue); font-weight: 800; }
.sec h2 { font-size: 24px; margin: 4px 0 16px; color: #111; letter-spacing: -0.05em; }
.sec-desc { margin: -8px 0 16px; font-size: 14px; line-height: 1.6; color: #555; }
.mid-tit { margin: 22px 0 10px; font-size: 17px; color: #111; }
.img-box { margin: 8px 0 16px; border-radius: 14px; overflow: hidden; background: var(--sky2); }
.img-box img { width: 100%; height: auto; }
.last-sec { padding-bottom: 28px; }
.bottom-note { margin-top: 16px; font-size: 12px; line-height: 1.6; color: #98a0ab; }

.treat { display: grid; gap: 10px; }
.treat article {
  display: flex; flex-direction: column; gap: 4px;
  padding: 14px; border-radius: 14px; background: var(--sky2);
}
.treat img { width: 56px; height: 56px; object-fit: contain; }
.treat b { font-size: 16px; color: #111; }
.treat span { font-size: 13px; color: #667085; }

.stat { display: grid; gap: 12px; }
.stat article {
  padding: 16px; border-radius: 14px; border: 1px solid var(--line); background: #fff; text-align: center;
}
.stat strong { display: block; font-size: 17px; color: #111; line-height: 1.4; }
.stat p { margin: 8px 0 12px; font-size: 13px; line-height: 1.55; color: #555; }
.stat img { width: 100%; max-width: 280px; margin: 0 auto 8px; }
.stat small { display: block; font-size: 11px; color: #98a0ab; }

.talk { display: grid; gap: 12px; }
.talk-cap { font-size: 13px; color: var(--muted); font-weight: 700; }
.talk article {
  display: flex; gap: 10px; align-items: flex-start;
  padding: 14px; border-radius: 14px; background: #f7f9fc;
}
.talk img { width: 40px; height: 40px; flex: 0 0 40px; }
.talk small { display: block; font-size: 12px; color: var(--muted); margin-bottom: 4px; }
.talk p { font-size: 14px; line-height: 1.55; color: #333; }
.talk em { font-style: normal; color: var(--blue); font-weight: 800; }
.talk em.warn { color: #c05621; }

.more-box { margin-top: 12px; border: 1px solid var(--line); border-radius: 12px; padding: 0 12px; }
.more-box summary { cursor: pointer; padding: 12px 4px; font-size: 14px; font-weight: 700; color: var(--navy); }
.tabs { display: flex; gap: 6px; margin: 0 20px; padding: 8px 0 0; }
.tabs button {
  flex: 1; height: 40px; border: 1px solid var(--line); border-radius: 20px;
  background: #fff; color: #666; font-size: 13px; font-weight: 700; cursor: pointer;
}
.tabs button.on { background: var(--navy); border-color: var(--navy); color: #fff; }
.panel { display: none; }
.panel.on { display: block; }

.rec { display: grid; gap: 10px; }
.rec article {
  display: flex; gap: 12px; align-items: flex-start;
  padding: 14px; background: var(--sky2); border-radius: 14px;
}
.rec i {
  flex: 0 0 40px; height: 40px; border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  background: var(--navy); color: #fff; font-style: normal; font-weight: 800;
}
.rec p { font-size: 14px; line-height: 1.5; color: #333; }

.money {
  margin: 8px 0 16px; padding: 22px 18px; border-radius: 16px;
  background: linear-gradient(135deg, #003478, #0066b3); color: #fff; text-align: center;
}
.money small { display: block; opacity: .85; font-size: 13px; }
.money strong { display: block; margin: 6px 0 4px; font-size: 34px; letter-spacing: -0.06em; }
.money span { font-size: 13px; opacity: .88; }

.feat { display: grid; gap: 12px; }
.feat article {
  padding: 16px; border: 1px solid var(--line); border-radius: 14px; background: #fff;
}
.feat .tag {
  display: inline-block; margin-bottom: 8px; padding: 3px 8px; border-radius: 20px;
  background: var(--sky); color: var(--blue); font-size: 11px; font-weight: 800;
}
.feat h3 { font-size: 17px; margin-bottom: 8px; color: #111; }
.feat li { margin-left: 16px; font-size: 13.5px; line-height: 1.55; color: #444; }
.feat .sub-txt { color: #999; list-style: none; margin-left: 0; font-size: 12px; }

.table-wrap { overflow: hidden; border: 1px solid #e4e4e4; border-radius: 10px; }
table { width: 100%; border-collapse: collapse; font-size: 14px; }
th { width: 30%; background: #f3f8fd; color: var(--navy); text-align: left; padding: 13px 12px; border-bottom: 1px solid #e8e8e8; font-weight: 700; }
td { padding: 13px 12px; border-bottom: 1px solid #e8e8e8; line-height: 1.5; }
tr:last-child th, tr:last-child td { border-bottom: 0; }
.hint { margin: 12px 0 0; padding-left: 16px; font-size: 12px; color: #888; line-height: 1.55; }

.acc { border-top: 1px solid #eee; }
.acc details { border-bottom: 1px solid #eee; }
.acc summary {
  list-style: none; cursor: pointer; padding: 16px 4px;
  font-size: 16px; font-weight: 700; color: #111; position: relative;
}
.acc summary::-webkit-details-marker { display: none; }
.acc summary:after { content: "+"; position: absolute; right: 4px; color: var(--blue); font-weight: 400; }
.acc details[open] summary:after { content: "−"; }
.acc .body { padding: 0 2px 16px; font-size: 13px; line-height: 1.65; color: #555; }
.acc ol, .acc ul { padding-left: 18px; }
.acc li + li { margin-top: 6px; }

.footer {
  margin-top: 28px; padding: 24px 20px 30px;
  background: #101822; color: #c5ccd4; font-size: 12px; line-height: 1.7;
}
.footer strong { color: #fff; display: block; margin-bottom: 8px; }
.footer a { color: #8fd0ff; }

.sticky {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 45;
  display: flex; gap: 8px; padding: 10px 12px calc(10px + env(safe-area-inset-bottom));
  background: rgba(255,255,255,.96); border-top: 1px solid #eee;
}
.sticky a, .sticky button {
  flex: 1; height: 50px; border: 0; border-radius: 10px; font-size: 16px; font-weight: 800; cursor: pointer;
  display: flex; align-items: center; justify-content: center; text-decoration: none;
}
.sticky .ghost { background: var(--sky); color: var(--navy); }
.sticky .fill { background: var(--navy); color: #fff; }

@media (min-width: 860px) {
  body { padding-bottom: 0; }
  .wrap { margin: 20px auto 40px; box-shadow: 0 12px 40px rgba(0,0,0,.06); border-radius: 10px; overflow: hidden; }
  .sticky { display: none; }
  .hero { padding-right: 220px; }
  .hero-art { width: 230px; height: 230px; bottom: 80px; right: 16px; }
}