/* ════════════════════════════════════════════════
   새출발대출 — 올 화이트 + 그린 액센트
   SUIT Variable / 500·600·700
════════════════════════════════════════════════ */

:root {
  --accent:       #16a34a;
  --accent-hover: #15803d;
  --accent-soft:  rgba(22,163,74,.07);
  --bg:           #fff;
  --bg-alt:       #f8f9fa;
  --border:       #e5e5e5;
  --text:         #1a1a1a;
  --text-sub:     #555;
  --text-mute:    #999;
  --error:        #dc2626;
  --success:      #16a34a;
  --font: 'SUIT Variable', 'SUIT', -apple-system, BlinkMacSystemFont, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font); font-size: 17px; font-weight: 500;
  line-height: 1.7; color: var(--text); background: var(--bg);
  -webkit-font-smoothing: antialiased; word-break: keep-all;
}
.container { max-width: 760px; margin: 0 auto; padding: 0 24px; }
.container--wide { max-width: 960px; }

/* ── 버튼 ── */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 6px; font-family: var(--font); font-weight: 700; border: none; cursor: pointer; text-decoration: none; transition: background .15s; }
.btn--primary { background: var(--accent); color: #fff; font-size: 17px; padding: 15px 28px; border-radius: 8px; width: 100%; }
.btn--primary:hover { background: var(--accent-hover); }
.btn--primary:disabled { opacity: .45; cursor: not-allowed; }
.btn--ghost { background: none; border: 1px solid var(--border); color: var(--text-sub); font-size: 15px; padding: 14px 20px; border-radius: 8px; white-space: nowrap; }
.btn--ghost:hover { border-color: var(--text-mute); }
.hidden { display: none !important; }

/* ══════ 헤더 ══════ */
.header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.92); backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  padding: 14px 0;
}
.header__inner { display: flex; justify-content: space-between; align-items: center; }
.logo { font-size: 22px; font-weight: 700; color: var(--text); }
.logo span { color: var(--accent); }
.logo--footer { color: #fff; font-size: 20px; }
.logo--footer span { color: var(--accent); }
.header__cta {
  font-size: 14px; font-weight: 600; color: var(--accent);
  text-decoration: none; display: flex; align-items: center; gap: 5px;
  transition: opacity .15s;
}
.header__cta:hover { opacity: .7; }

/* ══════ 히어로 ══════ */
.hero {
  padding: 80px 0 0;
  text-align: center;
}
.hero__inner { max-width: 600px; margin: 0 auto; }
.hero__sub {
  font-size: 14px; font-weight: 600; color: var(--accent);
  letter-spacing: 1px; margin-bottom: 16px;
}
.hero__h1 {
  font-size: clamp(32px, 6vw, 52px); font-weight: 700;
  line-height: 1.25; color: var(--text);
  margin-bottom: 28px; letter-spacing: -1px;
}
.hero__h1 em { font-style: normal; color: var(--accent); }
.hero__desc {
  font-size: 17px; font-weight: 500; color: var(--text-mute);
  line-height: 1.8; margin-bottom: 28px;
}
.hero__facts {
  display: flex; align-items: center; justify-content: center;
  gap: 16px; flex-wrap: wrap;
  font-size: 17px; font-weight: 500; color: var(--text-sub);
}
.hero__facts strong { font-weight: 700; color: var(--text); }
.hero__dot { width: 4px; height: 4px; border-radius: 50%; background: var(--border); }

/* ══════ 신청 폼 ══════ */
.apply { padding: 48px 0 80px; }
.form-wrap {
  max-width: 480px; margin: 0 auto;
  border: 1px solid var(--border); border-radius: 12px;
  overflow: hidden;
}
.form-head {
  padding: 20px 24px;
  border-bottom: 1px solid var(--border);
}
.form-head h2 { font-size: 20px; font-weight: 700; margin-bottom: 2px; }
.form-head p { font-size: 14px; font-weight: 500; color: var(--text-mute); }
.form-head strong { color: var(--accent); font-weight: 700; }

form { padding: 24px; display: flex; flex-direction: column; gap: 0; }
#formStep1, #formStep2 { display: flex; flex-direction: column; gap: 14px; }
.fg { display: flex; flex-direction: column; gap: 5px; }
.fg label { font-size: 14px; font-weight: 600; color: var(--text-sub); }
.req { color: var(--accent); }
.fg input, .fg select {
  border: 1px solid var(--border); border-radius: 6px;
  font-family: var(--font); font-size: 16px; font-weight: 500;
  padding: 12px 14px; color: var(--text);
  background: var(--bg-alt); outline: none; transition: border-color .15s;
}
.fg input:focus, .fg select:focus { border-color: var(--accent); background: #fff; }

.phone-group { display: flex; align-items: center; gap: 6px; }
.phone-group input {
  flex: 1; min-width: 0; border: 1px solid var(--border); border-radius: 6px;
  font-family: var(--font); font-size: 16px; font-weight: 500;
  padding: 12px 4px; text-align: center; color: var(--text);
  background: var(--bg-alt); outline: none; transition: border-color .15s;
}
.phone-group input:focus { border-color: var(--accent); background: #fff; }
.phone-sep { font-size: 16px; color: var(--text-mute); }

.chip-group { display: flex; flex-wrap: wrap; gap: 6px; }
.chip {
  cursor: pointer; border: 1px solid var(--border); border-radius: 6px;
  padding: 8px 14px; font-size: 14px; font-weight: 600;
  color: var(--text-sub); background: var(--bg-alt);
  transition: all .12s; user-select: none;
}
.chip input[type="radio"] { display: none; }
.chip:has(input:checked) { border-color: var(--accent); background: var(--accent); color: #fff; }

.agree-line { display: flex; gap: 7px; cursor: pointer; font-size: 13px; font-weight: 500; color: var(--text-mute); align-items: flex-start; }
.agree-line input { margin-top: 2px; accent-color: var(--accent); width: 16px; height: 16px; }
.tlink { color: var(--accent); text-decoration: underline; font-weight: 600; }
.err { font-size: 12px; color: var(--error); min-height: 14px; font-weight: 500; }
.input-error { border-color: var(--error) !important; }

.form-btns { display: flex; gap: 8px; }
.form-btns .btn--primary { flex: 1; }

/* ══════ 대상자 ══════ */
.who { padding: 64px 0; border-top: 1px solid var(--border); }
.sec-title {
  font-size: clamp(22px, 3.5vw, 32px); font-weight: 700;
  text-align: center; color: var(--text);
  margin-bottom: 36px; letter-spacing: -.3px;
}
.sec-title em { font-style: normal; color: var(--accent); }
.sec-desc {
  text-align: center; font-size: 16px; font-weight: 500;
  color: var(--text-mute); margin-top: -30px; margin-bottom: 36px;
}
.who__grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 0;
  border: 1px solid var(--border); border-radius: 10px; overflow: hidden;
  background: var(--bg);
}
.who__item {
  text-align: center; padding: 32px 16px;
  border-right: 1px solid var(--border);
}
.who__item:last-child { border-right: none; }
.who__item i { font-size: 26px; color: var(--accent); display: block; margin-bottom: 14px; }
.who__item h3 { font-size: 16px; font-weight: 700; margin-bottom: 6px; }
.who__item p { font-size: 14px; font-weight: 500; color: var(--text-mute); line-height: 1.65; }

/* ══════ 장점 ══════ */
.merit { padding: 64px 0; background: var(--bg-alt); }
.merit__grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px;
}
.merit__item {
  background: var(--bg); border: 1px solid var(--border); border-radius: 12px;
  padding: 32px 24px;
}
.merit__item i {
  font-size: 24px; color: var(--accent); margin-bottom: 16px; display: block;
}
.merit__item h3 { font-size: 17px; font-weight: 700; margin-bottom: 8px; }
.merit__item p { font-size: 15px; font-weight: 500; color: var(--text-mute); line-height: 1.7; }

/* ══════ 후기 ══════ */
.voices { padding: 64px 0; }
.voices__grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px;
}
.voice {
  background: var(--bg-alt); border-radius: 12px;
  padding: 28px 24px;
}
.voice__stars { color: var(--accent); font-size: 13px; margin-bottom: 10px; }
.voice p { font-size: 17px; font-weight: 500; color: var(--text); line-height: 1.65; margin-bottom: 10px; }
.voice span { font-size: 13px; font-weight: 500; color: var(--text-mute); }

/* ══════ CTA 띠 ══════ */
.cta-band { background: var(--accent); padding: 40px 0; }
.cta-band__inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.cta-band__title { font-size: 22px; font-weight: 700; color: #fff; margin-bottom: 4px; }
.cta-band__sub { font-size: 15px; font-weight: 500; color: rgba(255,255,255,.7); }
.cta-band .btn--primary { background: #fff; color: var(--accent); width: auto; padding: 14px 32px; flex-shrink: 0; }
.cta-band .btn--primary:hover { background: #f0f0f0; }

/* ══════ 푸터 ══════ */
.footer { background: var(--bg-alt); border-top: 1px solid var(--border); padding: 0 0 28px; }

.footer__warn {
  padding: 16px 24px;
  font-size: 13px; font-weight: 500; color: var(--text-mute); line-height: 1.8;
  text-align: center;
  border-bottom: 1px solid var(--border);
}
.footer__warn i { margin-right: 4px; }

.footer__cols {
  display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 32px;
  padding: 36px 0; border-bottom: 1px solid var(--border);
}
.footer__col { display: flex; flex-direction: column; gap: 12px; }
.footer__col .logo--footer { color: var(--text); }
.footer__col p { font-size: 13px; font-weight: 500; color: var(--text-mute); line-height: 2; }

.footer__privacy {
  background: none; border: 1px solid var(--border); border-radius: 6px;
  color: var(--text-mute); font-size: 13px; font-weight: 500; font-family: var(--font);
  padding: 8px 12px; cursor: pointer; display: inline-flex; align-items: center; gap: 5px;
  width: fit-content; transition: all .15s;
}
.footer__privacy:hover { border-color: var(--accent); color: var(--accent); }

.footer__fine {
  padding: 20px 0;
}
.footer__fine p { font-size: 11px; font-weight: 500; color: var(--text-mute); line-height: 2; margin-bottom: 2px; opacity: .6; }

.footer__copy {
  font-size: 11px; font-weight: 500; color: var(--text-mute); opacity: .4;
  padding-top: 16px; border-top: 1px solid var(--border);
}

/* ══════ 모달 ══════ */
.modal-bg {
  position: fixed; inset: 0; background: rgba(0,0,0,.45); backdrop-filter: blur(3px);
  display: flex; align-items: center; justify-content: center; z-index: 1000;
}
.modal {
  background: #fff; border-radius: 12px; padding: 44px 36px; text-align: center;
  max-width: 360px; width: 90%; box-shadow: 0 12px 36px rgba(0,0,0,.12);
}
.modal__icon { font-size: 44px; margin-bottom: 12px; color: var(--success); }
.modal h3 { font-size: 22px; font-weight: 700; margin-bottom: 6px; }
.modal p { font-size: 16px; font-weight: 500; color: var(--text-sub); line-height: 1.65; }
.modal .btn--primary { margin-top: 18px; width: auto; padding: 12px 36px; }

.modal--privacy { max-width: 480px; padding: 0; text-align: left; }
.modal__header { display: flex; justify-content: space-between; align-items: center; padding: 20px 24px; border-bottom: 1px solid var(--border); }
.modal__header h3 { font-size: 17px; font-weight: 700; display: flex; align-items: center; gap: 6px; margin-bottom: 0; }
.modal__header i { color: var(--accent); }
.modal__close { background: none; border: none; font-size: 18px; color: var(--text-mute); cursor: pointer; }
.modal__close:hover { color: var(--text); }
.modal__body { padding: 22px 24px; font-size: 14px; font-weight: 500; color: var(--text-sub); line-height: 2.2; display: flex; flex-direction: column; gap: 3px; }
.muted { opacity: .5; margin-top: 4px; }

/* ══════ 카카오 플로팅 ══════ */
.kakao-float { position: fixed; bottom: 28px; right: 28px; z-index: 900; width: 80px; height: 80px; transition: transform .15s; }
.kakao-float:hover { transform: translateY(-2px); }
.kakao-float img { display: block; width: 100%; height: 100%; object-fit: contain; }

/* ══════ 애니메이션 ══════ */
@keyframes fadeUp { from { opacity: 0; transform: translateY(16px); } to { opacity: 1; transform: translateY(0); } }
.anim { animation: fadeUp .4s ease both; }

/* ══════ 반응형 ══════ */
@media (max-width: 768px) {
  .who__grid { grid-template-columns: 1fr 1fr; }
  .who__item:nth-child(2) { border-right: none; }
  .who__item:nth-child(-n+2) { border-bottom: 1px solid var(--border); }
  .voices__grid { grid-template-columns: 1fr; }
  .merit__grid { grid-template-columns: 1fr 1fr; }
  .footer__cols { grid-template-columns: 1fr; gap: 20px; }
}

@media (max-width: 640px) {
  .container { padding: 0 18px; }
  .hero { padding: 56px 0 0; }
  .hero__h1 { font-size: clamp(26px, 8vw, 38px); }
  .hero__facts { font-size: 15px; gap: 10px; }
  .who__grid { grid-template-columns: 1fr; }
  .who__item { border-right: none !important; border-bottom: 1px solid var(--border); }
  .who__item:last-child { border-bottom: none; }
  .merit__grid { grid-template-columns: 1fr; }
  .cta-band__inner { flex-direction: column; text-align: center; }
  .cta-band p { font-size: 18px; }
  .phone-group input { padding: 10px 3px; font-size: 15px; }
}