/* =============================================================================
   에이플론 · landing.css — 랜딩 페이지 섹션 전용 스타일
   ========================================================================== */

/* ---- HERO --------------------------------------------------------------- */
.hero { position: relative; background: var(--grad-hero); overflow: hidden; padding-top: clamp(48px, 6vw, 88px); padding-bottom: clamp(56px, 6vw, 96px); }
.hero::before { /* 격자 텍스처 */
  content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .5;
  background-image: linear-gradient(rgba(47,107,246,.05) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(47,107,246,.05) 1px, transparent 1px);
  background-size: 46px 46px; mask-image: radial-gradient(80% 70% at 60% 0%, #000 30%, transparent 75%);
}
.hero .container { position: relative; display: grid; grid-template-columns: 1fr 1fr; gap: clamp(28px, 3vw, 52px); align-items: center; }

.hero-copy .eyebrow { margin-bottom: 18px; }
.hero-title { font-size: clamp(2rem, 1.1rem + 2.5vw, 2.9rem); font-weight: var(--fw-extra); letter-spacing: -0.035em; line-height: 1.18; margin-bottom: 20px; word-break: keep-all; }
.hero-title .text-gradient { white-space: nowrap; }
.hero-title .text-gradient { display: inline-block; }

/* 가운데 정렬 히어로 (카드 없는 심플 버전) */
.hero--center { text-align: center; padding-top: clamp(60px, 7vw, 108px); padding-bottom: clamp(64px, 7vw, 112px); }
.hero--center .container { display: block; }
.hero--center .hero-copy { position: relative; z-index: 1; max-width: 820px; margin-inline: auto; }
.hero--center .hero-cta { justify-content: center; }
.hero--center .hero-sub { margin-inline: auto; }
.hero--center .hero-stats { justify-content: center; }
.hero-title--center {
  font-size: clamp(2.2rem, 1.3rem + 3.4vw, 3.75rem);
  font-weight: var(--fw-extra); color: var(--navy-800);
  letter-spacing: -0.04em; line-height: 1.18; margin-bottom: 22px; word-break: keep-all;
}
.hero-title--center .text-gradient { white-space: nowrap; }

/* ============ 친근형 히어로 (마스코트 느낌 · 우리 스타일 재해석) ============ */
.hero--friendly { text-align: center; padding-top: clamp(28px, 3vw, 50px); padding-bottom: clamp(26px, 2.8vw, 46px); }
.hero--friendly .container { display: block; }
.hero--friendly .hero-copy { position: relative; z-index: 2; max-width: 720px; margin-inline: auto; }
.hero-title--friendly {
  font-size: clamp(2rem, 1.2rem + 3.1vw, 3.4rem);
  font-weight: var(--fw-extra); color: var(--navy-800);
  letter-spacing: -0.045em; line-height: 1.1; margin-bottom: 14px; word-break: keep-all;
}
.hero-title--friendly .text-gradient { white-space: nowrap; }
.hero--friendly .hero-sub { margin: 0 auto 16px; font-size: var(--fs-base); word-break: keep-all; }
.hero-cta--center { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; margin-bottom: 0; }
.hero--friendly .hero-cta--center { margin-top: clamp(10px, 1.6vw, 20px); }
.hero--friendly .hero-cta--center .btn { height: 50px; padding-inline: 1.5em; font-size: var(--fs-base); flex: 0 0 auto; min-width: 210px; }

/* 중앙 비주얼 영역 */
.hero-scene { position: relative; z-index: 1; max-width: 560px; margin: clamp(10px,1.6vw,20px) auto clamp(8px,1.4vw,16px); }

/* 마스코트 — 에이플론 여우 (3 레이어: 꼬리·몸통·눈) + 소프트 원형 글로우 배경 */
.mascot { position: relative; width: clamp(158px, 20vw, 220px); aspect-ratio: 977 / 1143; margin-inline: auto; }
.mascot-blob {
  position: absolute; z-index: 0; left: 50%; top: 6%; transform: translateX(-50%);
  width: 112%; aspect-ratio: 1; border-radius: 50%;
  background: radial-gradient(circle at 50% 44%, #eaf2ff 0%, #d3e4ff 56%, rgba(196,219,255,0) 72%);
}
/* 3 레이어 묶음 — 전체는 둥실(bob), 꼬리만 부착점 기준 살랑(wag) */
.fox {
  position: absolute; inset: 0; z-index: 1;
  filter: drop-shadow(0 18px 24px rgba(10,26,74,.22));
  animation: floatFox 5s var(--ease-inout) infinite;
}
.fox-layer { position: absolute; left: 0; top: 0; width: 100%; height: 100%; display: block; }
.fox-tail { z-index: 1; transform-origin: 48.7% 65.5%; animation: foxWag 2.6s var(--ease-inout) infinite; }
.fox-body { z-index: 2; }
.fox-eyes { z-index: 3; transform-origin: 50% 19.7%; animation: foxBlink 4s var(--ease-inout) infinite; }
@keyframes floatFox { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }
@keyframes foxWag  { 0%,100% { transform: rotate(-6deg); } 50% { transform: rotate(6deg); } }
/* 눈 깜빡임 — 약 5.4초마다 한 번, 눈만 세로로 살짝 접힘(눈구멍은 크림톤으로 채워둠) */
@keyframes foxBlink { 0%, 94%, 100% { transform: scaleY(1); } 96% { transform: scaleY(0.05); } 98% { transform: scaleY(1); } }
@media (prefers-reduced-motion: reduce) { .fox, .fox-tail, .fox-eyes { animation: none; } }
.mascot-badge {
  position: absolute; z-index: 3; top: 6%; right: -4%;
  display: inline-flex; align-items: center; gap: 5px;
  padding: 7px 13px; background: #fff; border-radius: var(--radius-pill);
  font-size: var(--fs-xs); font-weight: var(--fw-bold); color: var(--green-500);
  box-shadow: var(--shadow-md);
  animation: floatY 4.6s var(--ease-inout) infinite; animation-delay: .5s;
}
.mascot-badge svg { color: var(--green-500); }

/* 좌우 플로팅 가치 칩 */
.feat-chip {
  position: absolute; top: 50%; display: inline-flex; align-items: center; gap: 11px; text-align: left;
  padding: 12px 17px 12px 12px; background: #fff; border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg); white-space: nowrap;
  animation: floatYc 4.6s var(--ease-inout) infinite;
}
.feat-chip b { display: block; font-size: var(--fs-sm); color: var(--navy-800); letter-spacing: -0.01em; }
.feat-chip span { font-size: var(--fs-xs); color: var(--slate-500); }
.feat-chip .fc-ico { flex: 0 0 40px; width: 40px; height: 40px; border-radius: 13px; display: grid; place-items: center; background: var(--blue-50); color: var(--blue-600); }
.feat-chip .fc-ico svg { width: 21px; height: 21px; }
.feat-chip .fc-ico--gold { background: color-mix(in srgb, var(--gold-500) 20%, #fff); color: #a96f0a; }
.feat-chip--l { left: clamp(-8px, -1vw, 8px); transform: translateY(-50%); animation-delay: .3s; }
.feat-chip--r { right: clamp(-8px, -1vw, 8px); transform: translateY(-50%); animation-delay: 1.2s; }

/* 곰 주변 플로팅 아이콘 타일 (마스코트 기준 배치 — 웹·모바일 공통) */
.float-ico { position: absolute; z-index: 2; display: grid; place-items: center; width: clamp(42px, 5.4vw, 54px); height: clamp(42px, 5.4vw, 54px); border-radius: 15px; box-shadow: var(--shadow-md); animation: floatY 5.4s var(--ease-inout) infinite; }
.float-ico svg { width: 52%; height: 52%; }
.float-ico--coins  { top: 2%; left: -17%; background: linear-gradient(150deg, #ffe6a8, #f5b53d); color: #8a5a00; animation-delay: .7s; }
.float-ico--shield { bottom: 13%; right: -17%; background: linear-gradient(150deg, #bfe0ff, #3b78ff); color: #fff; animation-delay: 1.7s; }

@keyframes floatY  { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-12px); } }
@keyframes floatYc { 0%,100% { transform: translateY(-50%); } 50% { transform: translateY(calc(-50% - 11px)); } }

/* 모바일: 칩을 마스코트 아래로 스택 */
@media (max-width: 620px) {
  .hero-scene { max-width: 380px; }
  .feat-chip { position: static; transform: none; animation: none; width: 100%; margin-top: 10px; white-space: normal; }
  .feat-chip--l, .feat-chip--r { left: auto; right: auto; }
  /* 버튼: 한 줄에 동일 너비로 꽉 차게 */
  .hero--friendly .hero-cta--center { width: 100%; flex-wrap: nowrap; }
  .hero--friendly .hero-cta--center .btn { flex: 1 1 0; min-width: 0; padding-inline: 12px; white-space: nowrap; }
}

.hero-sub { font-size: var(--fs-lg); color: var(--slate-600); max-width: 30em; margin-bottom: 30px; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 34px; }

.hero-stats { display: flex; flex-wrap: wrap; gap: clamp(20px, 3vw, 44px); }
.hero-stats .stat .stat-num { font-size: clamp(1.7rem, 1.2rem + 1.4vw, 2.3rem); font-weight: var(--fw-extra); color: var(--navy-800); letter-spacing: -0.02em; line-height: 1; }
.hero-stats .stat .stat-num small { font-size: .55em; font-weight: var(--fw-bold); color: var(--blue-600); margin-left: 2px; }
.hero-stats .stat .stat-label { margin-top: 8px; font-size: var(--fs-sm); color: var(--slate-500); font-weight: var(--fw-medium); }
.hero-stats .stat + .stat { position: relative; padding-left: clamp(20px, 3vw, 44px); }
.hero-stats .stat + .stat::before { content: ""; position: absolute; left: 0; top: 6px; bottom: 6px; width: 1px; background: var(--slate-200); }

/* 히어로 배경 장식 — 동심원 가이드 + 앰비언트 오브 */
.hero-visual { position: relative; min-height: 420px; }
.hero-rings {
  position: absolute; z-index: 0; pointer-events: none;
  left: 50%; top: 46%; transform: translate(-50%, -50%);
  width: min(940px, 132vw); height: min(940px, 132vw);
  background: repeating-radial-gradient(circle,
    transparent 0 43px,
    color-mix(in srgb, var(--blue-500) 8%, transparent) 43px 44px);
  -webkit-mask: radial-gradient(circle, #000 0 33%, transparent 64%);
          mask: radial-gradient(circle, #000 0 33%, transparent 64%);
}
.hero-orb { position: absolute; border-radius: 50%; filter: blur(8px); opacity: .8; }
.hero-orb--1 { width: 280px; height: 280px; right: -30px; top: -20px; background: radial-gradient(circle at 30% 30%, #8ab2ff, #2f6bf6); opacity: .35; filter: blur(40px); }
.hero-orb--2 { width: 200px; height: 200px; left: -10px; bottom: 0; background: radial-gradient(circle at 30% 30%, #7fe6f7, #16b8d8); opacity: .3; filter: blur(44px); }

.hero-card {
  position: relative; z-index: 2; padding: 26px;
  background: rgba(255,255,255,.72); backdrop-filter: blur(20px) saturate(160%);
  border: 1px solid rgba(255,255,255,.7); border-radius: var(--radius-2xl); box-shadow: var(--shadow-xl);
}
.hero-card__head { display: flex; align-items: center; gap: 12px; margin-bottom: 18px; }
.hero-card__head .icon-tile { width: 48px; height: 48px; border-radius: 14px; }
.hero-card__head .icon-tile svg { width: 26px; height: 26px; }
.hero-card__head .t { font-weight: var(--fw-bold); font-size: var(--fs-h4); color: var(--navy-800); }
.hero-card__head .s { font-size: var(--fs-xs); color: var(--slate-500); }

.rate-row { display: flex; align-items: flex-end; justify-content: space-between; padding: 16px 18px; background: linear-gradient(135deg, var(--blue-50), #fff); border-radius: var(--radius-lg); margin-bottom: 14px; }
.rate-row .from { color: var(--slate-400); font-weight: var(--fw-semibold); text-decoration: line-through; }
.rate-row .to { font-size: 1.8rem; font-weight: var(--fw-extra); color: var(--blue-600); letter-spacing: -0.02em; line-height: 1; }
.rate-row .to small { font-size: .5em; }
.rate-row .save { background: var(--grad-gold); color: var(--navy-900); padding: 5px 10px; border-radius: var(--radius-pill); font-size: var(--fs-xs); font-weight: var(--fw-bold); }

.gauge { height: 10px; border-radius: 999px; background: var(--slate-100); overflow: hidden; margin-bottom: 8px; }
.gauge > i { display: block; height: 100%; width: 0; border-radius: 999px; background: linear-gradient(90deg, var(--blue-500), var(--cyan-400)); transition: width 1.4s var(--ease-out); }
.hero-card__foot { display: flex; justify-content: space-between; font-size: var(--fs-xs); color: var(--slate-500); font-weight: var(--fw-medium); }

/* 오른쪽 보조 카드(후기 미니) — 좌우 균형용 */
.hero-mini-card { position: relative; z-index: 2; display: flex; align-items: flex-start; gap: 13px; margin-top: 16px; padding: 16px 18px;
  background: rgba(255,255,255,.72); backdrop-filter: blur(18px) saturate(160%); border: 1px solid rgba(255,255,255,.7);
  border-radius: var(--radius-xl); box-shadow: var(--shadow-lg); }
.hero-mini-card .hmc-avatar { flex: 0 0 40px; width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center; background: var(--grad-cta); color: #fff; font-weight: var(--fw-bold); }
.hero-mini-card .hmc-body { min-width: 0; }
.hero-mini-card .hmc-stars { color: var(--gold-500); font-size: .85rem; letter-spacing: 1.5px; line-height: 1; }
.hero-mini-card .hmc-body b { display: block; font-size: var(--fs-sm); color: var(--navy-800); margin-top: 5px; letter-spacing: -0.01em; }
.hero-mini-card .hmc-body span { font-size: var(--fs-xs); color: var(--slate-500); }

.hero-chip-float {
  position: absolute; z-index: 3; display: inline-flex; align-items: center; gap: 8px;
  padding: 10px 14px; background: #fff; border-radius: var(--radius-pill); box-shadow: var(--shadow-lg);
  font-weight: var(--fw-bold); font-size: var(--fs-sm); color: var(--navy-800);
  animation: float 4s var(--ease-inout) infinite;
}
.hero-chip-float .dot { width: 9px; height: 9px; border-radius: 50%; background: var(--green-500); box-shadow: 0 0 0 4px color-mix(in srgb, var(--green-500) 26%, transparent); }
.hero-chip-float--a { top: -20px; left: -14px; }
.hero-chip-float--b { bottom: 10%; right: -10px; animation-delay: 1.4s; }
@keyframes float { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-12px); } }

/* 가운데 정렬 히어로에서 칩을 헤드라인 양옆으로 띄움 */
.hero--center .hero-chip-float--a { top: clamp(104px, 14vh, 188px); left: clamp(20px, 9vw, 210px); }
.hero--center .hero-chip-float--b { top: clamp(168px, 21vh, 268px); right: clamp(20px, 9vw, 210px); bottom: auto; }
@media (max-width: 1040px) { .hero--center .hero-chip-float { display: none; } }

@media (max-width: 980px) {
  .hero .container { grid-template-columns: 1fr; }
  .hero-visual { min-height: 340px; max-width: 460px; margin-inline: auto; width: 100%; }
  .hero-copy { text-align: center; }
  .hero-copy .eyebrow, .hero-cta { justify-content: center; }
  .hero-sub { margin-inline: auto; }
  .hero-stats { justify-content: center; }
}

/* ---- 상단 토픽바: 모바일 2줄 컴팩트 (index 전용) ----------------------- */
@media (max-width: 720px) {
  .topbar .container { justify-content: space-between; align-items: center; gap: 10px; height: auto; min-height: 40px; padding-block: 5px; }
  /* 브랜드 배지: 2줄(가운데 점 숨김) */
  .topbar .tb-badge { flex-direction: column; align-items: flex-start; gap: 1px; text-align: left; line-height: 1.25; white-space: nowrap; }
  .topbar .tb-badge .tb-dot { display: none; }
  /* 우측 링크: 모바일에서도 노출 + 각 항목 2줄(세로) */
  .topbar .tb-right { display: flex; gap: 14px; }
  .topbar .tb-right a { display: inline-flex; flex-direction: column; align-items: center; text-align: center; line-height: 1.2; font-size: var(--fs-2xs); white-space: nowrap; }
}

/* ---- 신뢰/인증 바 (Trust & Authority · credential-display) -------------- */
.trust-bar { margin-top: clamp(-36px, -3vw, -20px); position: relative; z-index: 5; }
.trust-bar__inner {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 0;
  background: #fff; border: 1px solid var(--slate-100); border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg); overflow: hidden;
}
.trust-item { display: flex; align-items: center; gap: 14px; padding: 22px clamp(16px, 2vw, 28px); }
.trust-item + .trust-item { border-left: 1px solid var(--slate-100); }
.trust-item .ti-ico { flex: 0 0 44px; width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center; background: var(--blue-50); color: var(--blue-600); }
.trust-item .ti-ico svg { width: 24px; height: 24px; }
.trust-item .ti-ico--gold { background: color-mix(in srgb, var(--gold-400) 24%, #fff); color: var(--gold-600); }
.trust-item b { display: block; font-size: var(--fs-base); color: var(--navy-800); letter-spacing: -0.01em; }
.trust-item span { font-size: var(--fs-xs); color: var(--slate-500); }
@media (max-width: 860px) {
  .trust-bar__inner { grid-template-columns: repeat(2, 1fr); }
  .trust-item:nth-child(3), .trust-item:nth-child(4) { border-top: 1px solid var(--slate-100); }
  .trust-item:nth-child(3) { border-left: 0; }
}
@media (max-width: 480px) { .trust-bar__inner { grid-template-columns: 1fr; } .trust-item + .trust-item { border-left: 0; border-top: 1px solid var(--slate-100); } }

/* ---- 신뢰 로고 띠 ------------------------------------------------------- */
.partners { padding-block: clamp(28px, 3vw, 40px); border-bottom: 1px solid var(--slate-100); }
.partners .lead { text-align: center; color: var(--slate-500); font-size: var(--fs-sm); font-weight: var(--fw-semibold); margin-bottom: 18px; }
.partners-row { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: clamp(20px, 4vw, 52px); }
.partners-row span { font-weight: var(--fw-bold); color: var(--slate-500); font-size: clamp(1rem, .8rem + .6vw, 1.3rem); letter-spacing: -0.01em; transition: color var(--dur-base); }
.partners-row span:hover { color: var(--slate-700); }

/* ---- 상품 카드 그리드 (3D 아이콘 + 소프트 블루) ----------------------- */
.product-card {
  position: relative; overflow: hidden;
  display: flex; flex-direction: column; align-items: center; text-align: center;
  background: linear-gradient(170deg, #f5faff 0%, #e6efff 100%);
  border: 1px solid #d8e6fb; border-radius: var(--radius-2xl);
  box-shadow: var(--shadow-sm); padding: 24px 22px 20px;
  transition: transform var(--dur-base) var(--ease-out), box-shadow var(--dur-base), border-color var(--dur-base);
}
.product-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); border-color: #bcd4ff; }
/* 3D 아이콘 + 브랜드 블루 글로우 디스크 */
.product-card .pc-ic { position: relative; width: 150px; height: 140px; display: grid; place-items: center; margin-bottom: 6px; }
.product-card .pc-disc { position: absolute; width: 140px; height: 140px; border-radius: 50%; z-index: 0;
  background: radial-gradient(circle at 50% 44%, rgba(47,107,246,.22), rgba(47,107,246,0) 68%); filter: blur(2px); }
.product-card .pc-ic img { position: relative; z-index: 1; width: 128px; height: 128px; object-fit: contain;
  transition: transform var(--dur-base) var(--ease-out); }
.product-card:hover .pc-ic img { transform: translateY(-6px) scale(1.05); }
.product-card .pc-rate { font-size: var(--fs-2xs); font-weight: var(--fw-bold); color: var(--blue-600);
  background: #fff; border: 1px solid #d8e6fb; padding: 3px 10px; border-radius: var(--radius-pill); margin-bottom: 8px; }
.product-card h3 { font-size: var(--fs-h4); color: var(--navy-800); margin-bottom: 8px; letter-spacing: var(--ls-tight); }
.product-card p { color: var(--slate-500); font-size: var(--fs-sm); line-height: var(--lh-snug); margin-bottom: 16px; flex: 1; width: 100%; word-break: keep-all; }
.product-card .pc-link { width: 100%; padding-top: 14px; border-top: 1px solid rgba(47,107,246,.16);
  display: inline-flex; align-items: center; justify-content: center; gap: 6px;
  font-weight: var(--fw-bold); color: var(--blue-600); font-size: var(--fs-sm); }
.product-card .pc-link .arrow { transition: transform var(--dur-base) var(--ease-out); }
.product-card:hover .pc-link .arrow { transform: translateX(4px); }

/* ---- 강점(왜 에이플론) 카드 — 3D 글래스 아이콘 + 소프트 블루 ---------- */
.why-card {
  position: relative; overflow: hidden; display: flex; flex-direction: column; min-height: 300px;
  background: linear-gradient(170deg, #f5faff 0%, #e6efff 100%);
  border: 1px solid #d8e6fb; border-radius: var(--radius-xl); box-shadow: var(--shadow-sm);
  padding: 22px 22px 24px;
  transition: transform var(--dur-base) var(--ease-out), box-shadow var(--dur-base), border-color var(--dur-base);
}
.why-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); border-color: #bcd4ff; }
.why-card .why-ic { position: relative; align-self: center; width: 150px; height: 140px; display: grid; place-items: center; margin: 2px 0 12px; }
.why-card .why-disc { position: absolute; width: 140px; height: 140px; border-radius: 50%; z-index: 0;
  background: radial-gradient(circle at 50% 42%, rgba(47,107,246,.22), rgba(47,107,246,0) 68%); filter: blur(2px); }
.why-card .why-ic img { position: relative; z-index: 1; width: 130px; height: 130px; object-fit: contain;
  transition: transform var(--dur-base) var(--ease-out); }
.why-card:hover .why-ic img { transform: translateY(-6px) scale(1.05); }
.why-card h3 { font-size: var(--fs-h4); color: var(--slate-900); letter-spacing: var(--ls-tight); }
.why-card p { color: var(--slate-500); font-size: var(--fs-sm); line-height: var(--lh-snug); margin-top: 6px; word-break: keep-all; max-width: 82%; }
.why-card .why-go { position: absolute; right: 18px; bottom: 18px; width: 40px; height: 40px; border-radius: 50%;
  background: var(--grad-cta); color: #fff; display: grid; place-items: center; box-shadow: var(--glow-primary);
  transition: transform var(--dur-base) var(--ease-out); }
.why-card .why-go svg { width: 18px; height: 18px; }
.why-card:hover .why-go { transform: translateX(4px); }

/* 안전한 대출 — 신뢰 3D 비주얼 */
.safe-ico { width: 170px; height: 170px; margin: 0 auto 14px; }
.safe-ico img { width: 100%; height: 100%; object-fit: contain; filter: drop-shadow(0 12px 16px rgba(15,42,110,.12)); }

/* ---- 스플릿 섹션(DSR / 정식등록) --------------------------------------- */
.split { display: grid; grid-template-columns: 1.1fr .9fr; gap: clamp(32px, 5vw, 72px); align-items: center; }
.split--reverse .split-visual { order: -1; }
.split-copy h2 { margin-bottom: 18px; }
.split-copy .lead { color: var(--slate-600); font-size: var(--fs-lg); margin-bottom: 24px; }
.split-copy .checklist { margin-bottom: 28px; }
.split-visual { position: relative; }
.split-visual .visual-card { position: relative; padding: 30px; border-radius: var(--radius-2xl); background: linear-gradient(150deg, var(--blue-50), #fff); box-shadow: var(--shadow-lg); border: 1px solid var(--slate-100); overflow: hidden; }
.split-visual .watermark { position: absolute; right: -10px; bottom: -20px; font-size: 6rem; font-weight: var(--fw-extra); color: rgba(47,107,246,.06); letter-spacing: -0.04em; pointer-events: none; }
@media (max-width: 900px) {
  .split { grid-template-columns: 1fr; }
  .split--reverse .split-visual { order: 0; }
}

/* 미니 스탯 행 (비주얼 카드 내부) */
.mini-stats { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; position: relative; z-index: 1; }
.mini-stat { background: #fff; border-radius: var(--radius-lg); padding: 18px; box-shadow: var(--shadow-sm); }
.mini-stat .mv { font-size: 1.5rem; font-weight: var(--fw-extra); color: var(--blue-600); letter-spacing: -0.02em; }
.mini-stat .ml { font-size: var(--fs-xs); color: var(--slate-500); font-weight: var(--fw-medium); margin-top: 4px; }

/* ---- 다크 네이비 강조 카드(무직자 OK / 사업자 DSR) -------------------- */
.spotlight { position: relative; border-radius: var(--radius-2xl); padding: clamp(40px, 5vw, 72px); background: var(--grad-navy-card); color: #fff; overflow: hidden; text-align: center; box-shadow: var(--shadow-xl); }
.spotlight::before { content: ""; position: absolute; inset: 0; background: radial-gradient(600px 300px at 80% 0%, rgba(56,214,240,.18), transparent 60%); pointer-events: none; }
.spotlight .watermark-p { position: absolute; left: 50%; top: 50%; transform: translate(-50%,-50%); font-size: 16rem; font-weight: var(--fw-extra); color: rgba(255,255,255,.04); line-height: 1; pointer-events: none; }
.spotlight .eyebrow { color: var(--cyan-300); justify-content: center; }
.spotlight h2 { color: #fff; margin: 16px 0; position: relative; }
.spotlight p { color: #c7d4f5; max-width: 36em; margin: 0 auto 30px; position: relative; }
.ok-pills { display: flex; flex-wrap: wrap; justify-content: center; gap: clamp(14px, 3vw, 36px); position: relative; }
.ok-pill { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-width: 210px; padding: 16px 28px; background: rgba(255,255,255,.95); color: var(--navy-800); border-radius: var(--radius-pill); font-weight: var(--fw-extra); font-size: var(--fs-lg); box-shadow: var(--shadow-lg); }
.ok-pill .ok-tag { display: grid; place-items: center; width: 26px; height: 26px; border-radius: 50%; background: var(--green-500); color: #fff; font-size: .7rem; }

/* ---- 상황별 칩 그리드 --------------------------------------------------- */
.situations { display: grid; grid-template-columns: repeat(auto-fill, minmax(150px, 1fr)); gap: 14px; }

/* 스크롤 진입 시 칩이 한 칸씩 "촥" 펼쳐짐(팝). animation(backwards) 사용 →
   끝난 뒤엔 transform이 풀려 .chip:hover 리프트가 그대로 살아있음. JS가 .in-view 토글(재진입 재생) */
.situations .chip[data-animate-in] { opacity: 0; }
/* 롱핸드로 지정(animation 단축은 delay를 0으로 리셋 → nth-child 스태거가 죽음) */
.situations .chip[data-animate-in].in-view {
  opacity: 1;
  animation-name: chipPop;
  animation-duration: .5s;
  animation-timing-function: cubic-bezier(.34,1.56,.64,1);
  animation-fill-mode: backwards;
}
@keyframes chipPop {
  from { opacity: 0; transform: scale(.55) translateY(14px); }
  to   { opacity: 1; transform: none; }
}
.situations .chip:nth-child(1)  { animation-delay: .000s }
.situations .chip:nth-child(2)  { animation-delay: .045s }
.situations .chip:nth-child(3)  { animation-delay: .090s }
.situations .chip:nth-child(4)  { animation-delay: .135s }
.situations .chip:nth-child(5)  { animation-delay: .180s }
.situations .chip:nth-child(6)  { animation-delay: .225s }
.situations .chip:nth-child(7)  { animation-delay: .270s }
.situations .chip:nth-child(8)  { animation-delay: .315s }
.situations .chip:nth-child(9)  { animation-delay: .360s }
.situations .chip:nth-child(10) { animation-delay: .405s }
.situations .chip:nth-child(11) { animation-delay: .450s }
.situations .chip:nth-child(12) { animation-delay: .495s }
@media (prefers-reduced-motion: reduce) {
  .situations .chip[data-animate-in] { opacity: 1; }
  .situations .chip[data-animate-in].in-view { animation: none; }
}

/* ---- 수상/신뢰 배너 ----------------------------------------------------- */
.award { position: relative; text-align: center; border-radius: var(--radius-2xl); padding: clamp(40px, 5vw, 64px); background: var(--grad-navy); color: #fff; overflow: hidden; box-shadow: var(--shadow-xl); }
.award .confetti { position: absolute; inset: 0; pointer-events: none; opacity: .8; background-image:
  radial-gradient(4px 4px at 12% 30%, var(--gold-400) 50%, transparent 51%),
  radial-gradient(4px 4px at 82% 22%, var(--cyan-400) 50%, transparent 51%),
  radial-gradient(3px 3px at 30% 70%, #fff 50%, transparent 51%),
  radial-gradient(5px 5px at 68% 64%, var(--gold-300) 50%, transparent 51%),
  radial-gradient(3px 3px at 50% 16%, var(--blue-300) 50%, transparent 51%); }
.award .award-medal { font-size: 3rem; margin-bottom: 12px; }
.award h2 { color: #fff; }
.award .award-badge { display: inline-flex; align-items: center; gap: 8px; padding: 7px 16px; border-radius: var(--radius-pill); background: var(--grad-gold); color: var(--navy-900); font-weight: var(--fw-bold); font-size: var(--fs-sm); margin-bottom: 18px; }
.award-stats { display: flex; flex-wrap: wrap; justify-content: center; gap: clamp(24px, 5vw, 64px); margin-top: 34px; position: relative; }
.award-stats .stat .stat-num { font-size: clamp(2rem, 1.4rem + 2vw, 3rem); font-weight: var(--fw-extra); color: var(--gold-400); letter-spacing: -0.02em; }
.award-stats .stat .stat-label { color: #c7d4f5; font-size: var(--fs-sm); margin-top: 6px; }

/* ---- 절약 강조 ---------------------------------------------------------- */
.savings .split-visual .visual-card { background: var(--grad-navy-card); color: #fff; }
.save-big { font-size: clamp(2.4rem, 1.6rem + 3vw, 4rem); font-weight: var(--fw-extra); color: var(--gold-400); letter-spacing: -0.03em; line-height: 1; }
.save-cap { color: #c7d4f5; margin-top: 8px; }

/* ---- 후기 캐러셀 -------------------------------------------------------- */
.reviews-track-wrap { overflow: hidden; margin-inline: calc(var(--container-pad) * -1); padding-inline: var(--container-pad); }
.reviews-track { display: flex; gap: 20px; transition: transform var(--dur-slow) var(--ease-out); will-change: transform; }
.review-card { flex: 0 0 clamp(280px, 32%, 380px); padding: 26px; }
.review-card .stars { color: var(--gold-500); letter-spacing: 2px; margin-bottom: 12px; font-size: 1rem; }
.review-card .rv-text { color: var(--slate-700); margin-bottom: 18px; line-height: 1.7; }
.review-card .rv-user { display: flex; align-items: center; gap: 12px; }
.review-card .rv-avatar { width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center; font-weight: var(--fw-bold); color: #fff; background: var(--grad-cta); }
.review-card .rv-meta b { display: block; font-size: var(--fs-sm); }
.review-card .rv-meta span { font-size: var(--fs-xs); color: var(--slate-500); }
.review-card .rv-tags { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 14px; }
.review-card .rv-tags i { font-style: normal; font-size: var(--fs-2xs); font-weight: var(--fw-semibold); color: var(--blue-600); background: var(--blue-50); padding: 4px 9px; border-radius: var(--radius-pill); }

.carousel-ctrl { display: flex; align-items: center; justify-content: center; gap: 12px; margin-top: 28px; }
.carousel-ctrl button { width: 48px; height: 48px; border-radius: 50%; background: #fff; box-shadow: var(--shadow-sm); color: var(--navy-800); display: grid; place-items: center; transition: background var(--dur-base), transform var(--dur-base), color var(--dur-base); }
.carousel-ctrl button:hover { background: var(--blue-500); color: #fff; transform: translateY(-2px); }
.carousel-ctrl button:disabled { opacity: .4; cursor: not-allowed; transform: none; background: #fff; color: var(--navy-800); }

/* ---- 최종 CTA 섹션 ------------------------------------------------------ */
.cta-final { position: relative; border-radius: var(--radius-2xl); padding: clamp(40px, 6vw, 80px); background: var(--grad-cta); color: #fff; overflow: hidden; text-align: center; box-shadow: var(--glow-primary); }
.cta-final::after { content: ""; position: absolute; inset: 0; background: radial-gradient(600px 300px at 50% 120%, rgba(255,255,255,.25), transparent 60%); pointer-events: none; }
.cta-final h2 { color: #fff; margin-bottom: 14px; position: relative; }
.cta-final p { color: rgba(255,255,255,.9); font-size: var(--fs-lg); margin-bottom: 30px; position: relative; }
.cta-final .hero-cta { justify-content: center; position: relative; }

/* ---- 푸터 --------------------------------------------------------------- */
.site-footer { background: var(--navy-900); color: #93a4d4; padding-top: clamp(56px, 6vw, 88px); }
.footer-top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 44px; border-bottom: 1px solid rgba(255,255,255,.08); }
.footer-brand .brand { color: #fff; margin-bottom: 16px; }
.footer-brand .brand b { color: var(--cyan-400); }
.footer-brand p { font-size: var(--fs-sm); line-height: 1.7; max-width: 30em; }
.footer-col h4 { color: #fff; font-size: var(--fs-sm); letter-spacing: .02em; margin-bottom: 16px; }
.footer-col a { display: block; padding: 6px 0; font-size: var(--fs-sm); transition: color var(--dur-fast); }
.footer-col a:hover { color: #fff; }
/* 버튼은 블록(전체폭) 규칙에서 제외 — 글자 크기에 맞춤 */
.footer-col a.btn { display: inline-flex; width: auto; padding: 0 1.5em; color: #fff; }
.footer-col a.btn:hover { color: #fff; }
.footer-tel { font-size: 1.7rem; font-weight: var(--fw-extra); color: #fff; letter-spacing: -0.02em; }
.footer-tel-cap { font-size: var(--fs-xs); margin-bottom: 12px; }
.footer-hours { font-size: var(--fs-xs); margin-top: 10px; }

.disclaimer { padding: 28px 0; font-size: var(--fs-2xs); line-height: 1.7; color: #6a7bab; border-bottom: 1px solid rgba(255,255,255,.08); }
.disclaimer strong { color: #93a4d4; }
.footer-bottom { padding: 24px 0 40px; display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 14px; font-size: var(--fs-xs); }
.footer-legal { display: flex; flex-wrap: wrap; gap: 16px; }
.footer-legal a:hover { color: #fff; }
@media (max-width: 900px) { .footer-top { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-top { grid-template-columns: 1fr; gap: 28px; } }

/* ---- 하단 고정 상담 도크 ------------------------------------------------ */
.dock {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: var(--z-dock);
  background: rgba(255,255,255,.92); backdrop-filter: blur(16px);
  border-top: 1px solid var(--slate-200); box-shadow: 0 -10px 30px -16px rgba(20,26,46,.2);
  transform: translateY(110%); transition: transform var(--dur-base) var(--ease-out);
}
.dock.is-show { transform: none; }
.dock .container { display: flex; align-items: center; gap: 16px; padding-block: 12px; }
.dock .dock-msg { display: flex; align-items: center; gap: 12px; }
.dock .dock-msg .icon-tile { width: 44px; height: 44px; border-radius: 12px; }
.dock .dock-msg .icon-tile svg { width: 24px; height: 24px; }
.dock .dock-msg b { display: block; color: var(--navy-800); }
.dock .dock-msg span { font-size: var(--fs-xs); color: var(--slate-500); }
.dock .dock-actions { display: flex; gap: 10px; margin-left: auto; }
@media (max-width: 760px) {
  .dock .dock-msg .dock-text { display: none; }
  .dock .container { gap: 10px; }
}
@media (max-width: 620px) {
  .dock .dock-msg { display: none; }
  .dock .container { padding-block: 10px; }
  .dock .dock-actions { width: 100%; margin-left: 0; gap: 8px; }
  .dock .dock-actions .btn { flex: 1; padding-inline: 0.6em; }
}
/* iOS 등 하단 안전영역 보정 */
.dock { padding-bottom: env(safe-area-inset-bottom, 0px); }

/* 플로팅 상담 버튼(우하단) */
.fab { position: fixed; right: 22px; bottom: 92px; z-index: var(--z-dock); display: inline-flex; align-items: center; gap: 10px; padding: 14px 20px; border-radius: var(--radius-pill); background: var(--grad-action); color: #fff; font-weight: var(--fw-extra); box-shadow: var(--glow-action); transition: transform var(--dur-base) var(--ease-out); }
.fab:hover { transform: translateY(-3px) scale(1.03); }
.fab svg { width: 22px; height: 22px; }
/* 하단 빠른신청 바가 뜨면 우하단 플로팅 버튼은 숨김(겹침 방지) */
.fab.is-hidden { opacity: 0; visibility: hidden; pointer-events: none; transform: translateY(10px); }
@media (max-width: 620px) { .fab { display: none; } }

/* ---- 히어로 펀치 라인 ---------------------------------------------------- */
.hero-punch { font-size: clamp(1.15rem, .9rem + 1vw, 1.55rem); font-weight: var(--fw-extra); color: var(--navy-800); letter-spacing: -0.02em; margin-bottom: 18px; }
.hero-punch .text-primary { position: relative; }
@media (max-width: 980px){ .hero-copy .hero-punch { text-align: center; } }

/* ---- 스포트라이트 배경 자동차 ------------------------------------------- */
.spotlight > *:not(.spotlight-car) { position: relative; z-index: 1; }
.spotlight-car { position: absolute; right: 1.5%; bottom: 4%; width: clamp(280px, 46%, 540px); height: auto; color: #fff; opacity: .14; pointer-events: none; z-index: 0; }
@media (max-width: 720px){ .spotlight-car { width: 80%; right: -6%; bottom: -4%; opacity: .1; } }

/* ---- 도크 버튼 강조(스크롤 고정 CTA) ----------------------------------- */
.dock { box-shadow: 0 -14px 40px -16px rgba(20,26,46,.28); }
.dock .dock-actions .btn { height: 50px; padding-inline: 1.5em; font-size: var(--fs-base); font-weight: var(--fw-extra); }
.dock .dock-actions .btn--primary { animation: dockPulse 1.9s var(--ease-inout) infinite; }
.dock .dock-actions .btn--ghost { box-shadow: inset 0 0 0 2px var(--orange-500); color: var(--orange-700); }
@keyframes dockPulse {
  0%, 100% { box-shadow: var(--glow-action); transform: translateZ(0) scale(1); }
  50% { box-shadow: 0 0 0 5px rgba(232,93,4,.18), 0 20px 44px -12px rgba(232,93,4,.7); transform: translateZ(0) scale(1.025); }
}
@media (prefers-reduced-motion: reduce){ .dock .dock-actions .btn--primary { animation: none; } }

/* ---- 하단 고정 빠른신청 바 (dock--quick) ------------------------------- */
.dock--quick .container { display: flex; align-items: center; gap: 18px; padding-block: 12px; flex-wrap: wrap; }
.dock--quick .dock-msg { display: flex; align-items: center; gap: 12px; flex: 0 0 auto; }
.quick-form { display: flex; align-items: center; gap: 10px; margin-left: auto; flex-wrap: wrap; justify-content: flex-end; min-width: 0; }
.quick-fields { display: flex; gap: 10px; min-width: 0; }
.quick-input { height: 48px; padding: 0 14px; font-size: var(--fs-base); min-width: 0; }
.quick-input--name  { width: 124px; }
.quick-input--phone { width: 186px; }
.quick-submit { height: 48px; padding-inline: 1.5em; font-size: var(--fs-base); font-weight: var(--fw-extra); white-space: nowrap; min-width: 0; }
.quick-submit .arrow { width: 18px; height: 18px; }
.quick-submit.is-loading { pointer-events: none; opacity: .85; }
.quick-tel { display: none; }            /* 데스크톱은 헤더 전화번호로 충분 → 모바일에서만 노출 */
.quick-consent { flex: 1 0 100%; text-align: right; font-size: var(--fs-2xs); color: var(--slate-500); margin: 0; }
.quick-consent a { color: var(--blue-600); text-decoration: underline; }
.quick-form .spinner { width: 18px; height: 18px; border: 2.5px solid rgba(255,255,255,.45); border-top-color: #fff; border-radius: 50%; animation: qfSpin .7s linear infinite; }
@keyframes qfSpin { to { transform: rotate(360deg); } }

@media (max-width: 860px) {
  .dock--quick .dock-msg .dock-text { display: none; }
}
@media (max-width: 620px) {
  .dock--quick .container { padding-block: 10px; gap: 8px; }
  .dock--quick .dock-msg { display: none; }
  .quick-form { width: 100%; margin-left: 0; gap: 8px; }
  .quick-fields { flex: 1 1 100%; gap: 8px; }
  .quick-input { flex: 1 1 0; width: auto; height: 46px; }
  .quick-input--name { max-width: 38%; }
  .quick-submit { flex: 1 1 auto; height: 46px; }
  .quick-tel { display: inline-grid; place-items: center; flex: 0 0 46px; height: 46px; border-radius: var(--radius-md); background: var(--blue-50); color: var(--blue-600); }
  .quick-consent { text-align: center; }
}
@media (prefers-reduced-motion: reduce){ .quick-form .spinner { animation: none; } }

/* ---- 실시간 대출 상담현황 (롤링 띠 · live-ticker) ---------------------- */
.live-ticker {
  /* 다른 섹션들과 동일하게 .container 폭(최대 1200px)을 꽉 채움 */
  background: #fff;
  border: 1px solid var(--slate-100);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}
.lt-head {
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
  padding: 13px 20px;
  border-bottom: 1px solid var(--slate-100);
  background: linear-gradient(180deg, #fff, var(--slate-50));
}
.lt-live { display: inline-flex; align-items: center; gap: 8px; font-size: var(--fs-sm); font-weight: var(--fw-bold); color: var(--navy-800); }
.lt-dot {
  width: 9px; height: 9px; border-radius: 50%; flex: 0 0 9px;
  background: var(--green-500);
  animation: ltPulse 1.7s var(--ease-inout, ease-in-out) infinite;
}
@keyframes ltPulse {
  0%   { box-shadow: 0 0 0 0 color-mix(in srgb, var(--green-500) 55%, transparent); }
  70%  { box-shadow: 0 0 0 9px color-mix(in srgb, var(--green-500) 0%, transparent); }
  100% { box-shadow: 0 0 0 0 color-mix(in srgb, var(--green-500) 0%, transparent); }
}
.lt-count { font-size: var(--fs-xs); color: var(--slate-500); white-space: nowrap; }
.lt-count b { color: var(--blue-600); font-weight: var(--fw-extra); font-variant-numeric: tabular-nums; }

.lt-cols, .lt-row {
  display: grid;
  /* 전체 폭을 채우도록 비율 컬럼 — 고객/연락처/신청상품/진행 */
  grid-template-columns: 1fr 1.5fr 2fr 1fr;
  align-items: center; gap: 12px;
  padding-inline: clamp(20px, 3vw, 36px);
}
.lt-cols {
  height: 34px;
  font-size: var(--fs-2xs); color: var(--slate-400);
  background: var(--slate-50);
  border-bottom: 1px solid var(--slate-100);
}
.lt-cols-end { justify-self: end; }

.lt-viewport {
  height: 260px;                                    /* 약 5행 노출 */
  overflow: hidden;
  -webkit-mask-image: linear-gradient(to bottom, transparent 0, #000 13%, #000 87%, transparent 100%);
          mask-image: linear-gradient(to bottom, transparent 0, #000 13%, #000 87%, transparent 100%);
}
.lt-track {
  list-style: none; margin: 0; padding: 0;
  animation: ltScroll var(--lt-dur, 80s) linear infinite;
  will-change: transform;
}
.live-ticker:hover .lt-track { animation-play-state: paused; }    /* 마우스 올리면 멈춤 */
@keyframes ltScroll { from { transform: translateY(0); } to { transform: translateY(-50%); } }

.lt-row { height: 52px; border-bottom: 1px solid var(--slate-100); font-size: var(--fs-sm); }
.lt-name    { font-weight: var(--fw-bold); color: var(--navy-800); }
.lt-phone   { color: var(--slate-500); font-variant-numeric: tabular-nums; letter-spacing: .01em; }
.lt-product { color: var(--slate-700); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; min-width: 0; }
.lt-status {
  justify-self: end;
  display: inline-flex; align-items: center; gap: 4px;
  padding: 4px 10px; border-radius: 999px;
  font-size: var(--fs-2xs); font-weight: var(--fw-bold); white-space: nowrap;
}
.lt-status svg { width: 12px; height: 12px; }
.lt-status--approved { color: var(--blue-700); background: var(--blue-50); }
.lt-status--consult  { color: var(--orange-700); background: color-mix(in srgb, var(--orange-500) 13%, #fff); }

@media (prefers-reduced-motion: reduce) {
  .lt-track { animation: none; }
  .lt-dot   { animation: none; }
}
@media (max-width: 560px) {
  .lt-head { padding: 11px 14px; }
  .lt-cols, .lt-row { grid-template-columns: 44px 98px 1fr auto; gap: 8px; padding-inline: 14px; }
  .lt-row { height: 48px; font-size: var(--fs-xs); }
  .lt-viewport { height: 240px; }
  .lt-phone { font-size: var(--fs-2xs); }
  .lt-status { padding: 3px 7px; }
}

/* ---- 푸터 법적 고지 (주의사항 / 금리·상환안내) ------------------------- */
.footer-notices { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(20px, 3vw, 40px); padding: 30px 0; border-bottom: 1px solid rgba(255,255,255,.08); }
.notice-box h4 { display: flex; align-items: center; gap: 8px; color: #c7d4f5; font-size: var(--fs-sm); font-weight: var(--fw-bold); margin-bottom: 12px; }
.notice-box h4 svg { width: 16px; height: 16px; color: var(--gold-400); flex: 0 0 16px; }
.notice-box p { font-size: var(--fs-2xs); line-height: 1.75; color: #6f7ca6; }
.notice-box p .em { color: #93a4d4; }
@media (max-width: 760px){ .footer-notices { grid-template-columns: 1fr; gap: 22px; } }

/* =============================================================================
   스크롤 인터랙션 (dampick 레퍼런스 이식) — 패럴랙스 / 다크전환 / 스티키 카드
   ========================================================================== */

/* ---- ① 패럴랙스: JS가 translate3d로 스크롤 시차 부여 --------------------- */
[data-parallax] { will-change: transform; }

/* ---- ②③ 스크롤 연동 다크전환 + 스티키 카드 스택 (이용 3단계) ------------ */
.flow-steps {
  position: relative;               /* overflow:hidden 금지 — 자식 position:sticky가 깨짐 */
  background-color: #f4f8ff;        /* JS가 스크롤 진행도에 따라 덮어씀 */
  color: var(--navy-800);
  transition: color .45s ease;
  padding-block: clamp(36px, 4vw, 64px);
}
.flow-head { text-align: center; max-width: 640px; margin: 0 auto; position: relative; z-index: 2; }
.flow-head h2 { color: inherit; }
.flow-head p { color: var(--slate-500); transition: color .45s ease; }
.flow-steps.is-dark { color: #fff; }
.flow-steps.is-dark .flow-head p { color: #b9c6ee; }
.flow-steps.is-dark .eyebrow { color: var(--cyan-300); }

/* 스크롤 길이 확보 래퍼 + 화면 고정 스테이지 */
.flow-steps .ez-sticky-wrapper { position: relative; height: 300vh; }
.flow-steps .ez-stage { position: sticky; top: 0; height: 100vh; display: grid; place-content: center; justify-items: center; }

/* 진행 인디케이터 */
.flow-steps .ez-progress { position: absolute; left: 50%; bottom: 9vh; transform: translateX(-50%); display: flex; gap: 10px; z-index: 3; }
.flow-steps .ez-progress i { width: 30px; height: 4px; border-radius: 999px; background: rgba(120,140,190,.35); transition: background .4s, width .4s; }
.flow-steps.is-dark .ez-progress i { background: rgba(255,255,255,.22); }
.flow-steps .ez-progress i.on { width: 46px; background: var(--blue-500); }
.flow-steps.is-dark .ez-progress i.on { background: var(--cyan-300); }

/* 카드 스택 — active만 보이고 한 장씩 교체 */
.flow-steps .ez-card {
  grid-area: 1 / 1; width: min(560px, 88%);   /* 모든 카드를 같은 셀에 겹쳐 스택 */
  background: rgba(255,255,255,.92); backdrop-filter: blur(14px) saturate(150%);
  border: 1px solid rgba(255,255,255,.6); border-radius: var(--radius-2xl); box-shadow: var(--shadow-xl);
  padding: clamp(26px, 4vw, 44px); text-align: center;
  opacity: 0; transform: translateY(64px) scale(.93); pointer-events: none;
  transition: opacity .55s var(--ease-out), transform .55s var(--ease-out);
}
.flow-steps .ez-card.active { opacity: 1; transform: translateY(0) scale(1); pointer-events: auto; }
.flow-steps .ez-card.passed { opacity: 0; transform: translateY(-64px) scale(.96); }
.flow-steps .ez-step-no { display: inline-grid; place-items: center; width: 56px; height: 56px; margin: 0 auto 16px; border-radius: 50%; background: var(--grad-cta); color: #fff; font-weight: var(--fw-extra); font-size: 1.4rem; box-shadow: var(--glow-primary); }
.flow-steps .ez-ico { width: 140px; height: 140px; margin: 0 auto 6px; }
.flow-steps .ez-ico img { width: 100%; height: 100%; object-fit: contain; filter: drop-shadow(0 10px 14px rgba(15,42,110,.10)); }
.flow-steps .ez-card h3 { font-size: clamp(1.25rem, 1rem + 1vw, 1.6rem); color: var(--navy-800); margin-bottom: 10px; }
.flow-steps .ez-card p { color: var(--slate-500); word-break: keep-all; }

@media (max-width: 620px){
  .flow-steps .ez-sticky-wrapper { height: 280vh; }
  .flow-steps .ez-card { width: 90%; }
}
/* 모션 최소화: 스티키 해제하고 카드 세로 나열 */
@media (prefers-reduced-motion: reduce){
  .flow-steps .ez-sticky-wrapper { height: auto; }
  .flow-steps .ez-stage { position: static; height: auto; display: grid; gap: 18px; padding-block: 20px; }
  .flow-steps .ez-card { grid-area: auto; opacity: 1; transform: none; width: 100%; }
  .flow-steps .ez-progress { display: none; }
}