:root {
  --blue: #175cd3;
  --blue-2: #0f4db7;
  --blue-soft: #eaf2ff;
  --sky: #f3f7fd;
  --navy: #17213b;
  --ink: #1f2937;
  --muted: #657182;
  --line: #dce3ec;
  --white: #ffffff;
  --green: #16856c;
  --page-max: 460px;
  font-family: Pretendard, -apple-system, BlinkMacSystemFont, "Segoe UI", "Noto Sans KR", "Apple SD Gothic Neo", sans-serif;
  font-synthesis: none;
  background: #edf1f7;
  color: var(--ink);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; background: #edf1f7; }
body { margin: 0 auto; width: 100%; max-width: var(--page-max); min-width: 320px; overflow-x: hidden; background: #fff; color: var(--ink); font-size: 17px; line-height: 1.6; letter-spacing: -.017em; box-shadow: 0 0 40px rgba(20,43,76,.09); }
body.modal-open { overflow: hidden; }
a { color: inherit; text-decoration: none; }
button, input { font: inherit; }
img { display: block; max-width: 100%; }
svg { fill: currentColor; }
.page-pad { padding-left: 20px; padding-right: 20px; }
.guide-header { position: sticky; top: 0; z-index: 60; min-height: 64px; padding: 9px 16px 9px 20px; display: flex; align-items: center; justify-content: space-between; gap: 12px; background: rgba(255,255,255,.96); border-bottom: 1px solid rgba(30,72,125,.1); backdrop-filter: blur(12px); }
.guide-logo img { width: 154px; }
.guide-call { min-height: 42px; padding: 0 12px; border: 1px solid #cfd9e6; border-radius: 10px; display: inline-flex; align-items: center; gap: 6px; color: var(--blue); font-size: 13px; font-weight: 800; }
.guide-call svg { width: 16px; height: 16px; }
.guide-hero { padding-top: 36px; padding-bottom: 32px; background: linear-gradient(180deg,#fff 0%,#f8fbff 100%); }
.hero-badge, .section-kicker { color: var(--blue); font-size: 14px; font-weight: 820; }
.hero-badge { margin-bottom: 13px; display: flex; align-items: center; gap: 8px; }
.hero-badge span { width: 8px; height: 8px; border-radius: 50%; background: var(--blue); box-shadow: 0 0 0 5px var(--blue-soft); }
.guide-hero h1, .section-title h2 { margin: 0; font-weight: 830; line-height: 1.17; letter-spacing: -.05em; word-break: keep-all; }
.guide-hero h1 { font-size: clamp(36px,9.6vw,45px); }
.guide-hero h1 strong { color: var(--blue); font-weight: 880; }
.hero-copy { margin: 20px 0 22px; color: #566476; font-size: 17px; line-height: 1.66; word-break: keep-all; }
.blue-button, .check-next, .apply-button { width: 100%; min-height: 58px; border: 0; border-radius: 13px; padding: 0 18px; display: flex; align-items: center; justify-content: center; gap: 9px; background: var(--blue); color: #fff; font-size: 18px; font-weight: 850; box-shadow: 0 10px 24px rgba(23,92,211,.22); cursor: pointer; transition: background .18s ease, transform .18s ease; }
.blue-button:active, .check-next:active, .apply-button:active { transform: translateY(1px); }
.blue-button svg, .check-next svg, .apply-button svg { width: 20px; height: 20px; fill: none; stroke: currentColor; stroke-width: 2.1; stroke-linecap: round; stroke-linejoin: round; }
.hero-disclaimer { margin: 10px 0 0; color: #8993a0; font-size: 12px; line-height: 1.5; }
.hero-visual { position: relative; height: 168px; margin-top: 24px; overflow: hidden; border-radius: 18px; background: #121b24; }
.hero-visual img { width: 100%; height: 100%; object-fit: cover; object-position: center 44%; filter: saturate(.7); }
.visual-overlay { position: absolute; inset: 0; background: linear-gradient(90deg,rgba(13,24,34,.94) 0%,rgba(13,24,34,.62) 58%,rgba(13,24,34,.12) 100%); }
.visual-copy { position: absolute; inset: 20px; color: #fff; }
.visual-copy span { display: block; margin-bottom: 9px; color: #9fc1ff; font-size: 13px; font-weight: 800; }
.visual-copy strong { font-size: 22px; line-height: 1.35; letter-spacing: -.035em; }
.quick-check { padding: 56px 0; background: var(--sky); border-top: 1px solid #e5ebf2; border-bottom: 1px solid #e5ebf2; }
.section-title { margin-bottom: 24px; }
.section-kicker { display: block; margin-bottom: 11px; }
.section-title h2 { font-size: clamp(29px,7.8vw,36px); }
.section-title > p:last-child { margin: 14px 0 0; color: var(--muted); word-break: keep-all; }
.check-progress { margin-bottom: 14px; padding: 13px 14px; border: 1px solid #d5e2f5; border-radius: 12px; background: #fff; }
.progress-text { display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.progress-text strong { color: var(--blue); font-size: 15px; }
.progress-text span { color: #8793a2; font-size: 12px; }
.progress-track { height: 5px; margin-top: 9px; overflow: hidden; border-radius: 999px; background: #e9eef6; }
.progress-track span { display: block; width: 0; height: 100%; border-radius: inherit; background: var(--blue); transition: width .25s ease; }
.check-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 9px; }
.issue-chip { min-height: 70px; padding: 12px 12px; border: 1px solid #d5dfe9; border-radius: 12px; display: flex; align-items: center; gap: 9px; background: #fff; color: #354254; text-align: left; font-size: 14.5px; font-weight: 740; line-height: 1.42; word-break: keep-all; cursor: pointer; transition: border .18s ease, background .18s ease, color .18s ease, transform .18s ease; }
.issue-chip:active { transform: scale(.99); }
.chip-check { position: relative; flex: 0 0 22px; height: 22px; border: 1px solid #bdc9d7; border-radius: 7px; background: #fff; }
.issue-chip.is-selected { border-color: var(--blue); background: #edf4ff; color: var(--blue-2); box-shadow: inset 0 0 0 1px var(--blue); }
.issue-chip.is-selected .chip-check { border-color: var(--blue); background: var(--blue); }
.issue-chip.is-selected .chip-check::after { content: ""; position: absolute; width: 9px; height: 5px; left: 5px; top: 6px; border: solid #fff; border-width: 0 0 2px 2px; transform: rotate(-45deg); }
.check-next { margin-top: 16px; background: var(--navy); box-shadow: none; }
.directions { padding-top: 58px; padding-bottom: 58px; }
.direction-cards { display: grid; gap: 11px; }
.direction-card { padding: 18px; border: 1px solid var(--line); border-radius: 15px; background: #fff; box-shadow: 0 8px 24px rgba(24,56,92,.05); }
.direction-head { display: flex; align-items: center; gap: 11px; }
.direction-head span { flex: 0 0 34px; height: 34px; border-radius: 9px; display: grid; place-items: center; background: var(--blue-soft); color: var(--blue); font-size: 12px; font-weight: 850; }
.direction-head h3 { margin: 0; font-size: 19px; }
.direction-card p { margin: 10px 0 0 45px; color: var(--muted); font-size: 14.5px; line-height: 1.6; }
.how-section { padding: 56px 0; background: var(--navy); color: #fff; }
.how-section .section-kicker { color: #9fc1ff; }
.how-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.how-list li { min-height: 84px; padding: 15px; display: flex; align-items: flex-start; gap: 13px; border: 1px solid rgba(255,255,255,.13); border-radius: 13px; background: rgba(255,255,255,.055); }
.how-list li > span { flex: 0 0 36px; height: 36px; border-radius: 50%; display: grid; place-items: center; background: #fff; color: var(--blue); font-size: 14px; font-weight: 850; }
.how-list h3 { margin: 0 0 3px; color: #fff; font-size: 17px; }
.how-list p { margin: 0; color: #b8c3d0; font-size: 14px; }
.trust-section { padding-top: 58px; padding-bottom: 54px; background: #fff; }
.trust-card { padding: 18px; display: grid; grid-template-columns: 118px 1fr; gap: 17px; align-items: center; border: 1px solid var(--line); border-radius: 17px; background: #f9fbfe; }
.certificate { padding: 6px; border-radius: 10px; background: #edf2f7; }
.certificate img { border-radius: 5px; }
.trust-copy strong { display: block; color: var(--navy); font-size: 16px; }
.trust-copy p { margin: 5px 0 12px; color: var(--muted); font-size: 14px; }
.partner-list { display: flex; flex-wrap: wrap; gap: 6px; }
.partner-list span { padding: 7px 9px; border-radius: 8px; background: var(--blue-soft); color: var(--blue-2); font-size: 11.5px; font-weight: 800; }
.trust-note { margin: 13px 1px 0; color: #7d8795; font-size: 11.5px; line-height: 1.55; }
.myth-section { padding-top: 55px; padding-bottom: 56px; background: var(--sky); }
.myth-list { border-top: 1px solid #d6e0ea; }
.myth-item { border-bottom: 1px solid #d6e0ea; }
.myth-item summary { min-height: 70px; padding: 15px 1px; display: flex; align-items: center; justify-content: space-between; gap: 13px; list-style: none; cursor: pointer; color: #273548; font-size: 16.5px; font-weight: 780; word-break: keep-all; }
.myth-item summary::-webkit-details-marker { display: none; }
.myth-item summary i { position: relative; flex: 0 0 25px; height: 25px; border-radius: 50%; background: #e3ebf5; }
.myth-item summary i::before, .myth-item summary i::after { content: ""; position: absolute; left: 7px; right: 7px; top: 12px; height: 2px; background: var(--blue); transition: transform .2s ease; }
.myth-item summary i::after { transform: rotate(90deg); }
.myth-item[open] summary i::after { transform: rotate(0); }
.myth-item p { margin: -2px 0 19px; padding-right: 33px; color: var(--muted); font-size: 14.5px; line-height: 1.65; }
.application-section { padding: 58px 0 50px; background: #fff; }
.guide-form { padding: 20px; border: 1px solid #dbe4ef; border-radius: 18px; background: #f7faff; }
.selected-summary { margin-bottom: 18px; padding: 14px; border-radius: 12px; background: var(--blue-soft); }
.selected-summary > span { color: var(--blue); font-size: 12px; font-weight: 820; }
.selected-summary p { margin: 5px 0 0; color: #43546c; font-size: 14px; line-height: 1.55; }
.form-field { margin-bottom: 16px; }
.form-field label { display: block; margin-bottom: 8px; color: #263549; font-size: 15px; font-weight: 800; }
.form-field label em { color: var(--blue); font-style: normal; font-size: 12px; }
.form-field input { width: 100%; height: 56px; padding: 0 15px; border: 1px solid #cbd7e5; border-radius: 11px; background: #fff; color: var(--ink); outline: none; font-size: 17px; transition: border .18s ease, box-shadow .18s ease; }
.form-field input:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(23,92,211,.12); }
.form-field input::placeholder { color: #9aa5b3; }
.field-error { margin: 5px 1px 0; color: #c62f3c; font-size: 12px; }
.field-error:empty { display: none; }
.consent-box { position: relative; display: flex; align-items: flex-start; gap: 9px; margin: 5px 0 7px; color: #596779; font-size: 13px; line-height: 1.5; cursor: pointer; }
.consent-box input { position: absolute; opacity: 0; }
.box-ui { flex: 0 0 20px; height: 20px; margin-top: 1px; border: 1px solid #aebdce; border-radius: 5px; background: #fff; }
.consent-box input:checked + .box-ui { border-color: var(--blue); background: var(--blue); }
.consent-box input:checked + .box-ui::after { content: ""; display: block; width: 9px; height: 5px; margin: 5px 0 0 4px; border: solid #fff; border-width: 0 0 2px 2px; transform: rotate(-45deg); }
.consent-box strong { font-weight: 720; }
.privacy-open { margin-left: 6px; padding: 0; border: 0; background: transparent; color: var(--blue); font-size: 12px; font-weight: 760; text-decoration: underline; cursor: pointer; }
.apply-button { margin-top: 18px; }
.apply-button:disabled { opacity: .62; cursor: wait; }
.apply-note { margin: 10px 0 0; color: #8692a2; text-align: center; font-size: 12px; }
.guide-footer { padding: 41px 0 calc(102px + env(safe-area-inset-bottom)); background: #eaf0f7; color: #637184; font-size: 12.5px; line-height: 1.65; border-top: 1px solid #d9e1eb; }
.footer-logo { width: 144px; margin-bottom: 20px; }
.guide-footer p { margin: 4px 0; }
.guide-footer span { margin: 0 5px; color: #a2adba; }
.guide-footer a { color: #34455d; }
.footer-warning { margin-top: 16px !important; padding-top: 14px; border-top: 1px solid #d1dae5; color: #7b8797; }
.guide-footer small { display: block; margin-top: 14px; color: #8d98a7; }
.guide-sticky { position: fixed; z-index: 80; left: 50%; bottom: 0; transform: translateX(-50%); width: min(100%,var(--page-max)); min-height: 72px; padding: 9px 12px calc(9px + env(safe-area-inset-bottom)); display: grid; grid-template-columns: .8fr 1.4fr; gap: 8px; background: rgba(255,255,255,.97); border-top: 1px solid #d9e2ec; box-shadow: 0 -8px 26px rgba(18,55,100,.1); backdrop-filter: blur(12px); }
.guide-sticky a { min-height: 52px; border-radius: 11px; display: flex; align-items: center; justify-content: center; gap: 7px; font-weight: 840; }
.sticky-phone { border: 1px solid #cad7e6; color: var(--blue); }
.sticky-phone svg { width: 18px; height: 18px; }
.sticky-apply { background: var(--blue); color: #fff; box-shadow: 0 8px 22px rgba(23,92,211,.2); }
.modal { position: fixed; inset: 0; z-index: 200; display: none; align-items: flex-end; justify-content: center; }
.modal.is-open { display: flex; }
.modal-backdrop { position: absolute; inset: 0; background: rgba(14,31,56,.58); }
.modal-card { position: relative; width: min(100%,var(--page-max)); max-height: 80vh; overflow: auto; padding: 20px; border-radius: 23px 23px 0 0; background: #fff; animation: modalUp .23s ease both; }
.modal-head { display: flex; align-items: center; justify-content: space-between; gap: 14px; }
.modal-head h2 { margin: 0; font-size: 21px; }
.modal-head button { width: 38px; height: 38px; border: 0; border-radius: 50%; background: #edf2f8; color: var(--navy); font-size: 25px; cursor: pointer; }
.modal-body { margin: 18px 0; color: var(--muted); font-size: 14px; line-height: 1.65; }
.modal-body p { margin: 0 0 14px; }
.modal-body strong { color: var(--ink); }
.modal-confirm { width: 100%; height: 52px; border: 0; border-radius: 11px; background: var(--blue); color: #fff; font-weight: 820; cursor: pointer; }
.toast { position: fixed; z-index: 220; left: 50%; bottom: calc(88px + env(safe-area-inset-bottom)); transform: translate(-50%,14px); width: min(calc(100% - 36px),410px); padding: 13px 15px; border-radius: 11px; background: var(--navy); color: #fff; box-shadow: 0 12px 34px rgba(19,39,68,.24); text-align: center; font-size: 13.5px; opacity: 0; pointer-events: none; transition: opacity .2s ease, transform .2s ease; }
.toast.is-visible { opacity: 1; transform: translate(-50%,0); }
.reveal { opacity: 0; transform: translateY(17px); transition: opacity .55s ease, transform .55s ease; transition-delay: var(--delay,0ms); }
.reveal.is-visible { opacity: 1; transform: none; }
@keyframes modalUp { from { opacity: 0; transform: translateY(36px); } to { opacity: 1; transform: none; } }
@media (max-width: 359px) {
  .page-pad { padding-left: 16px; padding-right: 16px; }
  .guide-header { padding-left: 16px; }
  .guide-logo img { width: 140px; }
  .check-grid { gap: 7px; }
  .issue-chip { min-height: 75px; padding: 10px; font-size: 13.5px; }
  .trust-card { grid-template-columns: 106px 1fr; gap: 13px; padding: 15px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *,*::before,*::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
  .reveal { opacity: 1; transform: none; }
}