:root{
  --ink:#0c2926;
  --ink-soft:#3a5450;
  --teal:#0e7c6b;
  --teal-deep:#0a5b50;
  --mint:#2bd3b0;
  --mint-soft:#d8f5ee;
  --coral:#ff7a59;
  --paper:#f4f8f6;
  --card:#ffffff;
  --line:#e2ece8;
  --shadow:0 18px 50px -22px rgba(12,41,38,.35);
  --shadow-sm:0 8px 24px -14px rgba(12,41,38,.28);
  --radius:22px;
  --maxw:1180px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:'Pretendard',system-ui,sans-serif;
  color:var(--ink);
  background:var(--paper);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
.serif{font-family:'Gowun Batang',serif}

/* ===== Header ===== */
header{
  position:sticky;top:0;z-index:60;
  background:rgba(244,248,246,.82);
  backdrop-filter:saturate(150%) blur(14px);
  border-bottom:1px solid var(--line);
}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:21px;letter-spacing:-.5px}
.brand .dot{
  width:34px;height:34px;border-radius:11px;display:grid;place-items:center;
  background:linear-gradient(135deg,var(--teal),var(--mint));color:#fff;font-size:18px;
  box-shadow:0 6px 16px -6px rgba(14,124,107,.7);
}
.brand b{color:var(--teal)}
nav ul{display:flex;gap:30px;list-style:none}
nav a{font-weight:600;font-size:15.5px;color:var(--ink-soft);transition:color .2s;position:relative}
nav a:hover,nav a.active{color:var(--teal)}
nav a::after{content:"";position:absolute;left:0;bottom:-6px;width:0;height:2px;background:var(--mint);transition:width .25s}
nav a:hover::after,nav a.active::after{width:100%}
.hbtn{
  background:var(--ink);color:#fff;padding:11px 20px;border-radius:99px;font-weight:700;font-size:14.5px;
  display:inline-flex;align-items:center;gap:7px;transition:transform .2s,background .2s;
}
.hbtn:hover{transform:translateY(-2px);background:var(--teal)}
.burger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:6px}
.burger span{width:24px;height:2px;background:var(--ink);border-radius:2px}

/* ===== Hero ===== */
.hero{position:relative;padding:70px 0 56px;overflow:hidden}
.hero::before{
  content:"";position:absolute;inset:0;z-index:0;
  background:
    radial-gradient(680px 460px at 88% -8%,rgba(43,211,176,.20),transparent 60%),
    radial-gradient(560px 460px at 6% 110%,rgba(14,124,107,.12),transparent 60%);
}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.tagpill{
  display:inline-flex;align-items:center;gap:8px;background:var(--mint-soft);color:var(--teal-deep);
  font-weight:700;font-size:13.5px;padding:7px 14px;border-radius:99px;margin-bottom:22px;
}
.tagpill .ring{width:8px;height:8px;border-radius:50%;background:var(--mint);box-shadow:0 0 0 4px rgba(43,211,176,.25)}
h1.head{font-size:clamp(34px,5vw,52px);line-height:1.12;letter-spacing:-1.4px;font-weight:800}
h1.head em{font-style:normal;color:var(--teal);position:relative;white-space:nowrap}
h1.head em::after{content:"";position:absolute;left:0;right:0;bottom:4px;height:13px;background:rgba(43,211,176,.35);z-index:-1;border-radius:3px}
.lead{margin-top:20px;font-size:18px;color:var(--ink-soft);max-width:480px}
.hero-stats{display:flex;gap:30px;margin-top:34px}
.hero-stats .n{font-size:30px;font-weight:800;color:var(--teal);letter-spacing:-.5px}
.hero-stats .l{font-size:13.5px;color:var(--ink-soft);font-weight:500}

/* ===== Sub page hero ===== */
.subhero{position:relative;padding:54px 0 42px;overflow:hidden;border-bottom:1px solid var(--line)}
.subhero::before{
  content:"";position:absolute;inset:0;z-index:0;
  background:radial-gradient(620px 360px at 90% -20%,rgba(43,211,176,.18),transparent 60%);
}
.subhero .inner{position:relative;z-index:1}
.crumb{font-size:13px;color:var(--ink-soft);font-weight:600;margin-bottom:14px}
.crumb a{color:var(--teal)}
.crumb span{margin:0 7px;color:#bcd0ca}
.subhero h1{font-size:clamp(28px,4vw,42px);font-weight:800;letter-spacing:-1px;line-height:1.18}
.subhero p{margin-top:14px;font-size:16.5px;color:var(--ink-soft);max-width:640px}

/* reveal */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}

/* ===== Quote form card ===== */
.quote{
  background:var(--card);border-radius:26px;padding:30px 30px 26px;box-shadow:var(--shadow);
  border:1px solid var(--line);position:relative;
}
.quote .qhead{display:flex;align-items:center;justify-content:space-between;margin-bottom:6px}
.quote h3{font-size:21px;font-weight:800;letter-spacing:-.5px}
.quote h3 span{color:var(--teal)}
.quote .badge{font-size:12px;font-weight:700;color:var(--teal-deep);background:var(--mint-soft);padding:5px 11px;border-radius:99px}
.quote .sub{font-size:13.5px;color:var(--ink-soft);margin-bottom:20px}
.field{margin-bottom:16px}
.field > label{display:block;font-size:13.5px;font-weight:700;margin-bottom:8px;color:var(--ink)}
.seg{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.seg button{
  border:1.5px solid var(--line);background:#fafdfb;border-radius:13px;padding:13px;font-size:15px;font-weight:700;
  color:var(--ink-soft);cursor:pointer;transition:all .2s;font-family:inherit;
}
.seg button.on{border-color:var(--teal);background:var(--mint-soft);color:var(--teal-deep)}
input.txt,select.txt{
  width:100%;border:1.5px solid var(--line);background:#fafdfb;border-radius:13px;padding:13px 14px;
  font-size:15px;font-family:inherit;color:var(--ink);transition:border .2s,box-shadow .2s;
}
input.txt:focus,select.txt:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 4px rgba(43,211,176,.18)}
.phone-row{display:grid;grid-template-columns:96px 1fr;gap:10px}
.consent{display:flex;align-items:flex-start;gap:9px;margin:4px 0 16px;font-size:12.5px;color:var(--ink-soft)}
.consent input{margin-top:3px;width:16px;height:16px;accent-color:var(--teal);flex:none}
.consent a{color:var(--teal);text-decoration:underline;text-underline-offset:2px}
.submit{
  width:100%;border:none;border-radius:14px;padding:16px;font-size:16.5px;font-weight:800;color:#fff;cursor:pointer;
  background:linear-gradient(120deg,var(--teal),var(--teal-deep));font-family:inherit;letter-spacing:-.3px;
  transition:transform .2s,box-shadow .2s;box-shadow:0 14px 28px -14px rgba(14,124,107,.85);
}
.submit:hover{transform:translateY(-2px)}
.err{color:#d4503b;font-size:12.5px;margin-top:8px;display:none}
.micro{text-align:center;font-size:11.5px;color:#9bb0ab;margin-top:12px}

/* result panel */
.result{display:none;text-align:center;padding:8px 4px}
.result.show{display:block;animation:pop .5s ease}
@keyframes pop{from{opacity:0;transform:scale(.94)}to{opacity:1;transform:none}}
.result .ic{width:58px;height:58px;border-radius:50%;background:var(--mint-soft);display:grid;place-items:center;margin:6px auto 14px;font-size:28px}
.result .who{font-size:15px;color:var(--ink-soft)}
.result .amt{font-size:40px;font-weight:800;color:var(--teal);letter-spacing:-1px;margin:6px 0}
.result .amt small{font-size:18px;color:var(--ink-soft);font-weight:600}
.result .note{font-size:12px;color:#9bb0ab;margin:10px 0 18px;line-height:1.5}
.result .again{background:none;border:1.5px solid var(--line);border-radius:12px;padding:11px 22px;font-weight:700;cursor:pointer;font-family:inherit;color:var(--ink-soft);transition:all .2s}
.result .again:hover{border-color:var(--teal);color:var(--teal)}

/* ===== Insurer strip ===== */
.insurers{padding:26px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}
.insurers .cap{text-align:center;font-size:13px;color:#9bb0ab;font-weight:600;margin-bottom:16px;letter-spacing:.3px}
/* 보험사 마퀴 : 끊김 없는 자동 슬라이드 (항목 2벌 복제).
   모바일 절전/애니메이션 줄이기 설정과 무관하게 항상 동작하며,
   CSS 애니메이션이 차단되는 기기는 main.js의 JS 폴백이 직접 굴린다 */
.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;align-items:center;gap:46px;width:max-content;list-style:none;padding:0;margin:0;animation:marquee 30s linear infinite}
.marquee:hover .track{animation-play-state:paused}
.track li{font-weight:800;font-size:16px;color:#7f9893;letter-spacing:-.5px;opacity:.85;white-space:nowrap;transition:color .2s,opacity .2s}
.track li:hover{color:var(--teal);opacity:1}
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}

/* ===== Section base ===== */
section.block{padding:80px 0}
.eyebrow{font-size:13.5px;font-weight:800;color:var(--teal);letter-spacing:1px;text-transform:uppercase;margin-bottom:12px}
h2.title{font-size:clamp(27px,3.6vw,38px);font-weight:800;letter-spacing:-1px;line-height:1.2}
.desc{margin-top:14px;color:var(--ink-soft);font-size:16px;max-width:620px}
.center{text-align:center}
.center .desc{margin-left:auto;margin-right:auto}

/* generation compare */
.gens{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:46px}
.gen{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px 22px;transition:transform .25s,box-shadow .25s,border-color .25s}
.gen:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:var(--mint)}
.gen.hot{background:linear-gradient(160deg,var(--teal),var(--teal-deep));color:#fff;border:none}
.gen .tag{display:inline-block;font-size:12px;font-weight:800;padding:5px 11px;border-radius:99px;background:var(--mint-soft);color:var(--teal-deep);margin-bottom:14px}
.gen.hot .tag{background:rgba(255,255,255,.18);color:#fff}
.gen h4{font-size:19px;font-weight:800;letter-spacing:-.5px;margin-bottom:6px}
.gen .yr{font-size:12.5px;color:var(--ink-soft);margin-bottom:14px}
.gen.hot .yr{color:rgba(255,255,255,.8)}
.gen ul{list-style:none;font-size:13.8px;display:flex;flex-direction:column;gap:9px}
.gen li{display:flex;gap:8px;align-items:flex-start;color:var(--ink-soft)}
.gen.hot li{color:rgba(255,255,255,.92)}
.gen li::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--mint);margin-top:7px;flex:none}
.gen.hot li::before{background:#fff}

/* coverage cards */
.cov{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:46px}
.ccard{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:28px;position:relative;overflow:hidden;transition:transform .25s,box-shadow .25s}
.ccard:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.ccard .ico{width:50px;height:50px;border-radius:14px;background:var(--mint-soft);display:grid;place-items:center;font-size:24px;margin-bottom:16px}
.ccard h4{font-size:18.5px;font-weight:800;margin-bottom:9px;letter-spacing:-.4px}
.ccard p{font-size:14.5px;color:var(--ink-soft)}
.ccard .deco{position:absolute;right:-28px;bottom:-28px;width:110px;height:110px;border-radius:50%;background:radial-gradient(circle,rgba(43,211,176,.14),transparent 70%)}

/* tips band */
.tips{background:var(--ink);color:#fff;border-radius:30px;padding:54px 48px;margin-top:10px;position:relative;overflow:hidden}
.tips::after{content:"";position:absolute;right:-80px;top:-80px;width:320px;height:320px;border-radius:50%;background:radial-gradient(circle,rgba(43,211,176,.22),transparent 65%)}
.tips .eyebrow{color:var(--mint)}
.tips h2{color:#fff}
.tips .desc{color:rgba(255,255,255,.72)}
.tlist{display:grid;grid-template-columns:repeat(2,1fr);gap:22px 40px;margin-top:36px;position:relative;z-index:1}
.tip{display:flex;gap:16px}
.tip .num{font-family:'Gowun Batang',serif;font-size:30px;font-weight:700;color:var(--mint);line-height:1;flex:none;width:42px}
.tip h5{font-size:17px;font-weight:700;margin-bottom:5px}
.tip p{font-size:14px;color:rgba(255,255,255,.7)}

/* FAQ */
.faq{max-width:820px;margin:46px auto 0}
.qa{background:var(--card);border:1px solid var(--line);border-radius:16px;margin-bottom:12px;overflow:hidden;transition:box-shadow .2s}
.qa.open{box-shadow:var(--shadow-sm)}
.qa .q{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:20px 24px;cursor:pointer;font-weight:700;font-size:16px}
.qa .q .qmark{color:var(--teal);font-family:'Gowun Batang',serif;font-weight:700;margin-right:4px}
.qa .ar{flex:none;width:26px;height:26px;border-radius:50%;background:var(--mint-soft);display:grid;place-items:center;color:var(--teal-deep);font-size:14px;transition:transform .3s}
.qa.open .ar{transform:rotate(45deg)}
.qa .a{max-height:0;overflow:hidden;transition:max-height .35s ease;color:var(--ink-soft);font-size:14.8px}
.qa .a div{padding:0 24px 22px}

/* CTA */
.ctaband{text-align:center;background:linear-gradient(135deg,var(--teal),var(--teal-deep));color:#fff;border-radius:30px;padding:60px 30px;position:relative;overflow:hidden}
.ctaband::before{content:"";position:absolute;inset:0;background:radial-gradient(500px 300px at 80% 120%,rgba(255,255,255,.12),transparent 60%)}
.ctaband h2{font-size:clamp(26px,4vw,38px);font-weight:800;letter-spacing:-1px;position:relative}
.ctaband p{margin-top:14px;color:rgba(255,255,255,.82);font-size:16.5px;position:relative}
.ctaband a{display:inline-block;margin-top:28px;background:#fff;color:var(--teal-deep);font-weight:800;padding:16px 38px;border-radius:99px;font-size:16.5px;position:relative;transition:transform .2s;box-shadow:0 16px 30px -14px rgba(0,0,0,.4)}
.ctaband a:hover{transform:translateY(-3px)}

/* footer / legal */
footer{background:#0a201d;color:rgba(255,255,255,.6);padding:50px 0 40px;margin-top:80px;font-size:13px}
.fnotes{display:grid;gap:7px;border-bottom:1px solid rgba(255,255,255,.1);padding-bottom:26px;margin-bottom:26px}
.fnotes p{line-height:1.65}
.fnotes .strong{color:rgba(255,255,255,.85);font-weight:600}
.fbot{display:flex;justify-content:space-between;flex-wrap:wrap;gap:16px;align-items:flex-end}
.fbrand{font-weight:800;font-size:18px;color:#fff;display:flex;align-items:center;gap:9px;margin-bottom:10px}
.fbrand .dot{width:28px;height:28px;border-radius:9px;background:linear-gradient(135deg,var(--teal),var(--mint));display:grid;place-items:center;font-size:15px}
.fcorp{line-height:1.7;font-size:12.5px}
.flinks{display:flex;gap:18px;font-size:12.5px}
.flinks a:hover{color:#fff}

/* mobile menu */
.mmenu{display:none;position:fixed;inset:0;z-index:80;background:rgba(12,41,38,.5);backdrop-filter:blur(4px)}
.mmenu.open{display:block}
.mpanel{position:absolute;right:0;top:0;height:100%;width:78%;max-width:320px;background:var(--paper);padding:26px 24px;box-shadow:-20px 0 50px rgba(0,0,0,.2)}
.mpanel .x{font-size:26px;cursor:pointer;float:right;color:var(--ink-soft)}
.mpanel ul{list-style:none;margin-top:48px;display:flex;flex-direction:column;gap:6px}
.mpanel a{display:block;padding:15px 8px;font-size:18px;font-weight:700;border-bottom:1px solid var(--line)}

@media(max-width:900px){
  .hero-grid{grid-template-columns:1fr;gap:36px}
  .gens{grid-template-columns:repeat(2,1fr)}
  .cov{grid-template-columns:1fr}
  .tlist{grid-template-columns:1fr}
  nav ul,.nav .hbtn{display:none}
  .burger{display:flex}
  .tips{padding:40px 26px}
}
@media(max-width:560px){
  .gens{grid-template-columns:1fr}
  /* 숫자 지표 3개(9곳/4세대/30초)는 모바일에서도 한 줄 유지 */
  .hero-stats{flex-wrap:nowrap;gap:10px;justify-content:space-between}
  .hero-stats>div{flex:1;min-width:0}
  .hero-stats .n{font-size:21px}
  .hero-stats .l{font-size:11.5px;letter-spacing:-.3px;word-break:keep-all}
  section.block{padding:60px 0}
}

/* ===== 동의 영역 ===== */
.agreebox{border:1px solid var(--line);border-radius:14px;padding:14px 16px;margin:4px 0 16px;background:#fafdfb}
.agreebox label{display:flex;align-items:center;gap:9px;cursor:pointer;font-size:13.5px;color:var(--ink-soft)}
.agreebox input[type=checkbox]{width:17px;height:17px;accent-color:var(--teal);flex:none;cursor:pointer}
.agree-all{padding-bottom:11px;margin-bottom:10px;border-bottom:1px dashed var(--line);font-size:14.5px !important;color:var(--ink) !important;font-weight:600}
.agree-line{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:5px 0}
.agree-line .req{color:var(--teal);font-style:normal;font-weight:700;margin-right:3px}
.agree-line .opt{color:#9bb0ab;font-style:normal;font-weight:700;margin-right:3px}
.viewterms{background:none;border:none;color:#9bb0ab;font-size:12.5px;text-decoration:underline;text-underline-offset:2px;cursor:pointer;font-family:inherit;flex:none}
.viewterms:hover{color:var(--teal)}

/* ===== 모달(레이어) 공통 ===== */
.modal{display:none;position:fixed;inset:0;z-index:120;background:rgba(12,41,38,.55);backdrop-filter:blur(4px);padding:20px}
.modal.open{display:flex;align-items:center;justify-content:center;animation:fade .25s ease}
@keyframes fade{from{opacity:0}to{opacity:1}}
.mbox{background:#fff;width:100%;max-width:480px;border-radius:22px;box-shadow:0 30px 80px -20px rgba(0,0,0,.5);overflow:hidden;animation:rise .3s ease}
.mbox.sms{max-width:420px}
@keyframes rise{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:none}}
.mtop{display:flex;align-items:center;justify-content:space-between;padding:20px 24px;border-bottom:1px solid var(--line)}
.mtop h4{font-size:18px;font-weight:800;letter-spacing:-.4px}
.mclose{font-size:26px;line-height:1;color:var(--ink-soft);cursor:pointer;padding:0 4px}
.mclose:hover{color:var(--teal)}
.mbody{padding:22px 24px;max-height:60vh;overflow-y:auto}
.mfoot{display:flex;gap:10px;padding:16px 24px 22px;border-top:1px solid var(--line)}
.mbtn{flex:1;border:none;border-radius:12px;padding:14px;font-size:15px;font-weight:800;color:#fff;cursor:pointer;font-family:inherit;background:linear-gradient(120deg,var(--teal),var(--teal-deep));transition:transform .2s}
.mbtn:hover{transform:translateY(-2px)}
.mbtn.full{width:100%}
.mbtn.ghost{background:none;color:var(--ink-soft);border:1.5px solid var(--line)}
.mbtn.ghost:hover{border-color:var(--teal);color:var(--teal);transform:none}

/* 약관 본문 */
.terms-sec{margin-bottom:20px}
.terms-sec:last-child{margin-bottom:0}
.terms-sec h5{font-size:14.5px;font-weight:800;color:var(--teal-deep);margin-bottom:8px}
.terms-sec p{font-size:13px;color:var(--ink-soft);line-height:1.7}
.terms-sec.hl{background:var(--mint-soft);border-radius:10px;padding:12px;margin-left:-12px;margin-right:-12px}

/* SMS 인증 레이어 */
.smsinfo{font-size:14.5px;color:var(--ink-soft);text-align:center;line-height:1.6;margin-bottom:18px}
.smsinfo b{color:var(--teal-deep)}
.demohint{font-size:12.5px;color:var(--coral);background:#fff4f0;border:1px dashed #ffd0c2;border-radius:10px;padding:9px 12px;margin-top:10px;text-align:center;display:none}
.demohint.show{display:block}
.resend{display:block;width:100%;background:none;border:none;color:#9bb0ab;font-size:12.5px;text-decoration:underline;text-underline-offset:2px;cursor:pointer;font-family:inherit;margin-top:12px}
.resend:hover{color:var(--teal)}
#smsModal .mbody{padding-bottom:22px}
#verifyCode{margin-top:6px}

/* ===== 개인정보 동의 (단일 체크박스) ===== */
.privacy_wrap{display:flex;align-items:center;gap:8px;margin:4px 0 16px;font-size:13.5px;color:var(--ink-soft);flex-wrap:wrap}
.privacy_wrap input[type=checkbox]{width:18px;height:18px;accent-color:var(--teal);cursor:pointer;margin:0;flex:none}
.privacy_wrap i{display:none}
.privacy_wrap .privacy_label{cursor:pointer;font-weight:600;color:var(--ink)}
.privacy_wrap a{color:var(--teal);text-decoration:underline;text-underline-offset:2px;font-size:12.5px}
.privacy_wrap a:hover{color:var(--teal-deep)}

/* ===== 약관 레이어 iframe ===== */
.mbody.nopad{padding:0}
.terms-frame{width:100%;height:60vh;border:0;display:block;background:#fff}