/* ============================================================
   보험점검센터 — PC (1280px) 스타일시트
   ============================================================ */

/* ─── TOKENS ─── */
:root {
  /* 액션 — CTA·링크·브랜드 전용. 손실 표현에는 쓰지 않는다. */
  --blue:       #1565C0;
  --blue-dark:  #0D47A1;
  --blue-mid:   #1976D2;
  --blue-bg:    #EBF3FC;
  --blue-pale:  #F4F8FD;

  /* 손실·위험 — 심각도 램프 (진함 → 옅음) */
  --risk-1:     #C0392B;
  --risk-2:     #E1622F;
  /* 흰 배경에서 2.4:1 로 읽히지 않던 #E8952B 를 5.0:1 로 낮춘 값 (모바일과 동일) */
  --risk-3:     #B45309;
  --risk-bg:    #FEF2F1;
  --red:        var(--risk-1);
  --red-bg:     var(--risk-bg);

  /* 이득·절감 */
  --green:      #2E7D32;
  --green-bg:   #EDF7EE;

  --ink:        #172838;
  --ink-deep:   #0E1B27;
  --gray:       #4A6278;
  --gray-lt:    #5C778F;
  --border:     #D0E0EC;
  --bg:         #FFFFFF;
  --bg-alt:     #F4F8FD;
  --shadow:     0 2px 12px rgba(21, 101, 192, .08);
  --shadow-md:  0 6px 28px rgba(21, 101, 192, .13);
  --r:          14px;
  --r-sm:       8px;
  --focus:      0 0 0 3px rgba(21, 101, 192, .45);

  /* 8px 리듬 간격 스케일 */
  --s1: 8px;
  --s2: 16px;
  --s3: 24px;
  --s4: 32px;
  --s5: 48px;
  --s6: 64px;
  --s7: 88px;
}

/* ─── RESET ─── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; }
body {
  font-family: 'Apple SD Gothic Neo', 'Malgun Gothic', 'Noto Sans KR', sans-serif;
  background: var(--bg);
  color: var(--ink);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  min-width: 1280px;
}
a { text-decoration: none; color: inherit; }
button { cursor: pointer; font-family: inherit; }
.wrap { width: 1200px; margin: 0 auto; padding: 0 40px; }

/* 스티키 CTA 바에 하단 콘텐츠가 가려지지 않도록 */
body { padding-bottom: 76px; }

/* ─── FOCUS ─── */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
[tabindex]:focus-visible {
  outline: 2px solid var(--blue);
  outline-offset: 2px;
  border-radius: 4px;
}
.trust a:focus-visible,
.mid-cta a:focus-visible,
.apply-sec a:focus-visible,
.sticky-cta a:focus-visible,
.sticky-cta button:focus-visible {
  outline-color: #fff;
}

/* ─── SCROLL REVEAL (JS가 .is-in 부여) ───
   .js 스코프가 없으면 숨기지 않는다. JS 로드 실패 시
   콘텐츠가 영영 안 보이는 사고를 막기 위한 것. */
.js .reveal {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity .5s ease-out, transform .5s ease-out;
}
.js .reveal.is-in { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .01ms !important;
    transition-duration: .01ms !important;
  }
  .js .reveal { opacity: 1; transform: none; }
}

/* ─── GNB ─── */
.gnb {
  position: sticky; top: 0; z-index: 200;
  background: #fff;
  border-bottom: 1px solid var(--border);
  height: 66px;
  display: flex; align-items: center;
}
.gnb__i { display: flex; align-items: center; width: 100%; }
/* 로고 전체가 하나의 홈 링크 — 아이콘만 눌러도 동작해야 한다 */
.gnb__logo {
  display: flex; align-items: center; gap: 10px; margin-right: auto;
  min-height: 44px; text-decoration: none;
}
.gnb__mark {
  width: 36px; height: 36px;
  background: var(--blue); border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
}
.gnb__mark svg { width: 20px; height: 20px; fill: #fff; }
.gnb__name { font-size: 18px; font-weight: 900; color: var(--blue); letter-spacing: -.03em; }
.gnb__name span { color: var(--ink); font-weight: 500; }
.gnb__nav { display: flex; }
.gnb__nav a {
  font-size: 14px; font-weight: 600; color: var(--gray);
  padding: 0 18px; height: 66px;
  display: flex; align-items: center;
  border-bottom: 2px solid transparent;
  margin-bottom: -1px;
  transition: color .15s, border-color .15s;
}
.gnb__nav a:hover { color: var(--blue); border-bottom-color: var(--blue); }
.gnb__right { display: flex; align-items: center; gap: 16px; margin-left: 32px; }
.gnb__tel {
  font-size: 14px; font-weight: 700; color: var(--ink);
  display: flex; align-items: center; gap: 7px;
}
.gnb__tel svg { width: 14px; height: 14px; fill: var(--blue); }
.gnb__cta {
  background: var(--blue); color: #fff;
  font-size: 14px; font-weight: 700;
  padding: 10px 22px; border-radius: 6px; border: none;
  transition: background .15s, box-shadow .15s;
}
.gnb__cta:hover { background: var(--blue-dark); box-shadow: 0 4px 14px rgba(21, 101, 192, .3); }

/* ─── HERO ─── */
.hero {
  background: linear-gradient(150deg, var(--blue-pale) 0%, #EDF4FD 50%, #fff 100%);
  padding: 80px 0 72px;
  border-bottom: 1px solid var(--border);
}
.hero__grid {
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 64px;
  align-items: center;
}
.hero__tag {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--blue-bg); color: var(--blue);
  font-size: 12px; font-weight: 800; letter-spacing: .08em;
  padding: 5px 13px; border-radius: 4px; margin-bottom: 20px;
}
.hero__tag::before {
  content: ''; width: 6px; height: 6px;
  border-radius: 50%; background: var(--blue); flex-shrink: 0;
}
.hero__h1 {
  font-size: 52px; font-weight: 900; line-height: 1.1;
  letter-spacing: -.05em; color: var(--ink); margin-bottom: 18px;
}
.hero__h1 strong { color: var(--blue); }
.hero__sub {
  font-size: 17px; color: var(--gray); line-height: 1.85;
  max-width: 480px; margin-bottom: 32px;
}
.hero__btn {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--blue); color: #fff;
  font-size: 16px; font-weight: 800;
  padding: 17px 34px; border-radius: 8px; border: none;
  box-shadow: 0 4px 18px rgba(21, 101, 192, .3);
  transition: background .15s, transform .12s, box-shadow .15s;
}
.hero__btn:hover {
  background: var(--blue-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(21, 101, 192, .4);
}
/* 옅은 파랑 히어로 위의 흰 카드 — 테두리와 그림자로 무게를 잡는다 */
.hero__nums {
  display: flex; gap: 0; margin-top: var(--s4);
  border-radius: var(--r); overflow: hidden;
  background: #fff;
  border: 1px solid var(--border);
  box-shadow: 0 6px 24px rgba(21, 101, 192, .10);
}
.hnum {
  flex: 1; padding: 22px 18px; text-align: center;
  border-right: 1px solid #E6EFF7;
}
.hnum:last-child { border-right: none; }
.hnum__n {
  font-size: 34px; font-weight: 900; color: var(--risk-1);
  letter-spacing: -.05em; line-height: 1; margin-bottom: 6px;
  font-variant-numeric: tabular-nums;
}
/* 앞의 둘은 손실이라 위험 램프, 마지막은 점검 성과라 액션 색을 쓴다 */
.hnum:nth-child(2) .hnum__n { color: var(--risk-2); }
.hnum:nth-child(3) .hnum__n { color: var(--blue); }
.hnum__n sup { font-size: .44em; vertical-align: super; letter-spacing: 0; }
.hnum__t { font-size: 13px; color: var(--gray); line-height: 1.45; }
.hnum__src {
  display: block; font-size: 11px;
  color: var(--gray-lt); margin-top: 5px;
}

/* Hero Form */
.hero__form {
  background: #fff;
  border: 1px solid var(--border); border-radius: 16px;
  padding: 34px 30px;
  box-shadow: var(--shadow-md);
}
.form-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--blue); color: #fff;
  font-size: 11px; font-weight: 800; letter-spacing: .07em;
  padding: 5px 12px; border-radius: 4px; margin-bottom: 16px;
}
.form-badge::before {
  content: ''; width: 5px; height: 5px;
  border-radius: 50%; background: rgba(255, 255, 255, .5);
}
.form-ttl { font-size: 19px; font-weight: 900; color: var(--ink); margin-bottom: 4px; }
.form-sub {
  font-size: 13px; color: var(--gray-lt);
  margin-bottom: 22px; padding-bottom: 18px;
  border-bottom: 1px solid #EEF2F6;
}
.f { margin-bottom: 12px; }
.f label { display: block; font-size: 12px; font-weight: 800; color: var(--ink); margin-bottom: 5px; letter-spacing: .03em; }
.f .req { color: var(--risk-1); margin-left: 2px; }
.f input, .f select {
  width: 100%; min-height: 46px; padding: 12px 14px;
  background: var(--bg-alt); border: 1.5px solid var(--border);
  border-radius: var(--r-sm); color: var(--ink);
  font-family: inherit; font-size: 15px; outline: none;
  transition: border-color .15s, box-shadow .15s;
  appearance: none;
}
.f input::placeholder { color: var(--gray-lt); }
.f input:focus, .f select:focus {
  border-color: var(--blue); background: #fff;
  box-shadow: 0 0 0 3px rgba(21, 101, 192, .1);
}
.f input:focus-visible, .f select:focus-visible { outline: none; }

/* 필드 오류 */
.f-err {
  display: none;
  font-size: 12px; font-weight: 600; color: var(--risk-1);
  margin-top: 5px; line-height: 1.5;
}
.f.has-err .f-err { display: block; }
.f.has-err input, .f.has-err select {
  border-color: var(--risk-1); background: var(--risk-bg);
}
.f.has-err input:focus, .f.has-err select:focus {
  box-shadow: 0 0 0 3px rgba(192, 57, 43, .12);
}

/* 개인정보 동의 */
.f-agree {
  display: flex; align-items: flex-start; flex-wrap: wrap; gap: 8px;
  margin: 14px 0 4px;
}
.f-agree .f-err { width: 100%; margin-top: 0; }
.f-agree input[type="checkbox"] {
  width: 18px; height: 18px; min-height: 0; flex-shrink: 0;
  margin: 1px 0 0; padding: 0;
  accent-color: var(--blue); cursor: pointer;
}
.f-agree label {
  flex: 1; min-width: 0;
  font-size: 12px; font-weight: 500; color: var(--gray);
  line-height: 1.6; margin: 0; letter-spacing: 0; cursor: pointer;
}
.f-agree label a { color: var(--blue); text-decoration: underline; }
.f-agree.has-err label { color: var(--risk-1); }

/* 제출 결과 */
.f-result {
  display: none;
  margin-top: 12px; padding: 12px 14px;
  border-radius: var(--r-sm);
  font-size: 13px; font-weight: 700; line-height: 1.6;
  background: var(--green-bg); color: var(--green);
  border: 1px solid rgba(46, 125, 50, .25);
}
.f-result.is-shown { display: block; }
.f select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235C778F' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 13px center;
  padding-right: 36px;
}
.f-submit {
  width: 100%; padding: 15px;
  background: var(--blue); color: #fff;
  font-family: inherit; font-size: 15px; font-weight: 800;
  border: none; border-radius: 8px; margin-top: 4px;
  box-shadow: 0 4px 14px rgba(21, 101, 192, .28);
  transition: background .15s, transform .12s;
}
.f-submit:hover { background: var(--blue-dark); transform: translateY(-1px); }
.f-submit[disabled] {
  opacity: .55; cursor: not-allowed;
  transform: none; box-shadow: none;
}
.f-notice { font-size: 11px; color: var(--gray-lt); text-align: center; margin-top: 12px; line-height: 1.65; }

/* 폼 안심 배지 — 정직한 사실만 */
.f-assure {
  display: flex; gap: 6px; margin-top: 14px;
}
.f-assure span {
  flex: 1; text-align: center;
  font-size: 11px; font-weight: 700; color: var(--blue);
  background: var(--blue-bg); border-radius: 6px;
  padding: 7px 4px; line-height: 1.35;
}

/* ─── TRUST BAR ─── */
.trust { background: var(--blue); padding: 14px 0; }
.trust__list { display: flex; align-items: center; justify-content: center; gap: 0; }
.trust__item {
  font-size: 14px; font-weight: 600; color: rgba(255, 255, 255, .9);
  padding: 0 28px;
  display: flex; align-items: center; gap: 8px;
  border-right: 1px solid rgba(255, 255, 255, .2);
}
.trust__item:last-child { border-right: none; }
.trust__dot { width: 6px; height: 6px; border-radius: 50%; background: rgba(255, 255, 255, .5); flex-shrink: 0; }

/* ─── SECTION BASE ─── */
.sec { padding: 88px 0; }
.sec--alt {
  background: var(--bg-alt);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.eyebrow {
  display: flex; align-items: center; gap: 8px;
  font-size: 12px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase;
  color: var(--blue); margin-bottom: 12px;
}
.eyebrow::before { content: ''; width: 16px; height: 2px; background: var(--blue); }
.sec-h2 {
  font-size: 40px; font-weight: 900; letter-spacing: -.04em;
  line-height: 1.15; color: var(--ink); margin-bottom: 48px;
}

/* ─── PAIN CARDS ─── */
.pain-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.pain-card {
  background: #fff;
  border: 1px solid var(--border); border-radius: var(--r);
  padding: 32px 28px;
  box-shadow: var(--shadow);
  transition: box-shadow .2s, transform .2s;
  position: relative; overflow: hidden;
}
.pain-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
/* 히어로의 896 / 70 / 92 와 같은 3색을 같은 순서로 쓴다.
   앞의 둘은 손실이라 위험 램프, 셋째는 정리하면 바로 줄어드는 항목이라 액션 색. */
.pain-card__bar { position: absolute; top: 0; left: 0; right: 0; height: 3px; }
.pain-card:nth-child(1) .pain-card__bar { background: var(--risk-1); }
.pain-card:nth-child(2) .pain-card__bar { background: var(--risk-2); }
.pain-card:nth-child(3) .pain-card__bar { background: var(--blue); }
.pain-card__n {
  font-size: 54px; font-weight: 900; line-height: 1;
  letter-spacing: -.06em; margin-bottom: 12px;
  font-variant-numeric: tabular-nums;
}
.pain-card:nth-child(1) .pain-card__n { color: var(--risk-1); }
.pain-card:nth-child(2) .pain-card__n { color: var(--risk-2); }
.pain-card:nth-child(3) .pain-card__n { color: var(--blue); }
.pain-card__n sup { font-size: .4em; vertical-align: super; letter-spacing: 0; }
.pain-card__unit { font-size: .42em; font-weight: 800; letter-spacing: -.02em; }
.pain-card__h { font-size: 16px; font-weight: 800; color: var(--ink); margin-bottom: 8px; line-height: 1.4; }
.pain-card__p { font-size: 14px; color: var(--gray); line-height: 1.75; }
.pain-card__src {
  font-size: 11px; color: var(--gray-lt);
  margin-top: 14px; padding-top: 12px;
  border-top: 1px solid #EEF2F6; line-height: 1.6;
}

/* ─── CHECKLIST ─── */
.check-grid { display: grid; grid-template-columns: 400px 1fr; gap: var(--s6); align-items: start; }
.check-intro { position: sticky; top: 90px; }
.check-intro h2 {
  font-size: 38px; font-weight: 900; letter-spacing: -.04em;
  line-height: 1.15; color: var(--ink); margin-bottom: 14px;
}
.check-intro p { font-size: 15px; color: var(--gray); line-height: 1.85; }
.check-intro .hero__btn { margin-top: var(--s3); }

.checklist { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.cl-item {
  display: grid; grid-template-columns: 44px 1fr;
  gap: var(--s2); align-items: center;
  background: #fff; border: 1px solid var(--border);
  border-radius: var(--r); padding: 18px 22px;
  transition: border-color .18s, box-shadow .18s, transform .18s;
}
.cl-item:hover {
  border-color: var(--blue); box-shadow: var(--shadow);
  transform: translateX(3px);
}
/* 점검 순서 = 순차 데이터. 한 가지 색을 진함 → 옅음으로 5단계 내려
   01 이 가장 무겁고 05 로 갈수록 가벼워지는 것이 한눈에 읽히게 한다.
   중간에서 글자색이 흰색 → 남색으로 뒤집히지만 5단계 모두 AA 4.6:1 이상. */
.cl-num {
  width: 44px; height: 44px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 15px; font-weight: 900; letter-spacing: -.02em;
  font-variant-numeric: tabular-nums; flex-shrink: 0;
  transition: transform .18s;
}
.cl-item:nth-child(1) .cl-num { background: #0D47A1; color: #fff; }
.cl-item:nth-child(2) .cl-num { background: #1565C0; color: #fff; }
.cl-item:nth-child(3) .cl-num { background: #1976D2; color: #fff; }
.cl-item:nth-child(4) .cl-num { background: #BBDEFB; color: #0D47A1; }
.cl-item:nth-child(5) .cl-num { background: #E3F2FD; color: #1565C0; }
/* 호버로 배지를 다시 칠하면 순서가 무너져 크기만 키운다 */
.cl-item:hover .cl-num { transform: scale(1.08); }
.cl-title { font-size: 16px; font-weight: 800; color: var(--ink); margin-bottom: 3px; }
.cl-sub { font-size: 13px; color: var(--gray); line-height: 1.6; }

/* ─── COMPARE ISSUES ─── */
.issues-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.issue-card {
  background: #fff;
  border: 1px solid var(--border); border-radius: var(--r);
  padding: 28px 24px;
  box-shadow: var(--shadow);
}
.issue-card__kicker {
  font-size: 11px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase;
  color: var(--gray-lt); margin-bottom: 12px;
}
.issue-card__h {
  font-size: 17px; font-weight: 800; color: var(--ink);
  margin-bottom: 18px; line-height: 1.35;
}
.cmp { display: flex; flex-direction: column; gap: 8px; }
.cmp-row {
  display: grid; grid-template-columns: 20px 1fr;
  gap: 10px; align-items: center;
  font-size: 14px; line-height: 1.5;
}
.cmp-row--bad { color: var(--red); }
.cmp-row--bad .cmp-icon {
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--red-bg);
  display: flex; align-items: center; justify-content: center;
  font-size: 11px; font-weight: 900; color: var(--red); flex-shrink: 0;
}
.cmp-row--good { color: var(--green); font-weight: 700; }
.cmp-row--good .cmp-icon {
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--green-bg);
  display: flex; align-items: center; justify-content: center;
  font-size: 11px; font-weight: 900; color: var(--green); flex-shrink: 0;
}
.issue-divider { border: none; border-top: 1px solid #EEF2F6; margin: 14px 0; }
.issue-note { font-size: 12px; color: var(--gray-lt); line-height: 1.7; }

/* 문제만 말하고 끝나지 않도록 — 점검 후 무엇이 달라지는지 */
.issue-result {
  display: flex; align-items: flex-start; gap: 8px;
  margin-top: 14px; padding: 11px 13px;
  background: var(--green-bg); border-radius: var(--r-sm);
  border-left: 3px solid var(--green);
  font-size: 13px; font-weight: 700; color: var(--green); line-height: 1.55;
}
.issue-result::before {
  content: '점검 후';
  flex-shrink: 0;
  font-size: 10px; font-weight: 800; letter-spacing: .06em;
  background: var(--green); color: #fff;
  padding: 2px 7px; border-radius: 3px;
  margin-top: 1px;
}

/* ─── MID CTA ─── */
.mid-cta { background: var(--blue-dark); padding: 56px 0; }
.mid-cta__i { display: flex; align-items: center; justify-content: space-between; gap: 40px; }
.mid-cta__t strong {
  display: block; font-size: 28px; font-weight: 900;
  color: #fff; margin-bottom: 6px; letter-spacing: -.03em;
}
.mid-cta__t span { font-size: 16px; color: rgba(255, 255, 255, .65); }
.btn-white {
  display: inline-flex; align-items: center; gap: 8px;
  background: #fff; color: var(--blue);
  font-size: 15px; font-weight: 800;
  padding: 15px 30px; border-radius: 8px; border: none;
  box-shadow: 0 4px 16px rgba(0, 0, 0, .2);
  transition: transform .15s, box-shadow .15s;
  white-space: nowrap;
}
.btn-white:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0, 0, 0, .28); }

/* ─── 사회적 증거 ─── */
/* 실제 데이터로 교체 전까지 .proof-note 배너가 경고를 표시한다 */
.proof-note {
  background: #FFF8E1; border: 1px dashed var(--risk-3);
  border-radius: var(--r-sm); padding: 12px 16px;
  font-size: 13px; font-weight: 700; color: #8A5A00;
  margin-bottom: var(--s4); line-height: 1.6;
}
.proof-stats {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 1px; background: var(--border);
  border: 1px solid var(--border); border-radius: var(--r);
  overflow: hidden; margin-bottom: var(--s5);
}
.pstat { background: #fff; padding: 28px 24px; text-align: center; }
.pstat__n {
  font-size: 42px; font-weight: 900; color: var(--blue);
  letter-spacing: -.05em; line-height: 1; margin-bottom: 8px;
  font-variant-numeric: tabular-nums;
}
.pstat__n sup { font-size: .4em; vertical-align: super; letter-spacing: 0; }
.pstat__n .unit { font-size: .45em; font-weight: 800; letter-spacing: -.02em; }
.pstat__t { font-size: 14px; font-weight: 700; color: var(--ink); }
.pstat__s { font-size: 12px; color: var(--gray-lt); margin-top: 4px; }
/* 소속사 고지 — 숫자보다 먼저 읽혀야 귀속이 분명해진다 */
.cred__lead {
  font-size: 17px; color: var(--gray); line-height: 1.8;
  margin-bottom: var(--s3);
}
.cred__lead strong { color: var(--blue); font-weight: 800; }
/* 수치 출처 — 근거를 밝혀야 신뢰가 된다 */
.stat-src {
  font-size: 12px; color: var(--gray-lt); line-height: 1.7;
  margin: calc(var(--s5) * -1 + var(--s2)) 0 var(--s5);
}
.stat-src a { color: var(--blue); text-decoration: underline; }
.stat-src strong { color: var(--gray); font-weight: 800; }
/* 임시 값에는 기본적으로 표시를 더하지 않는다. 숫자·이름처럼 짧은 요소를
   박스로 감싸면 글자 크기와 어긋나 레이아웃이 깨지고, 최종 디자인도 가늠할 수 없다.
   후기 본문만은 덩어리가 충분히 커서 크림 박스가 자연스럽게 앉는다. */
.review__q.is-placeholder {
  background: #FFF8E1;
  box-shadow: inset 0 0 0 1px #EFD9A6;
  border-radius: var(--r-sm);
  padding: 14px 16px;
}

.reviews { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.review {
  background: #fff; border: 1px solid var(--border);
  border-radius: var(--r); padding: 28px 26px;
  box-shadow: var(--shadow);
  display: flex; flex-direction: column;
}
.review__stars {
  color: var(--risk-3); font-size: 15px;
  letter-spacing: .1em; margin-bottom: 14px;
}
.review__q {
  font-size: 15px; color: var(--ink); line-height: 1.8;
  margin-bottom: var(--s3); flex: 1;
}
.review__meta {
  display: flex; align-items: center; gap: 12px;
  padding-top: 16px; border-top: 1px solid #EEF2F6;
}
.review__av {
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--blue-bg); color: var(--blue);
  display: flex; align-items: center; justify-content: center;
  font-size: 15px; font-weight: 800; flex-shrink: 0;
}
.review__name { font-size: 14px; font-weight: 700; color: var(--ink); }
.review__role { font-size: 12px; color: var(--gray-lt); margin-top: 2px; }

/* ─── 신청 섹션 (5개 페이지 공유 — subpage.css 에서 승격) ─── */
.apply-sec { background: var(--blue-dark); padding: var(--s7) 0; }
.apply-grid { display: grid; grid-template-columns: 1fr 400px; gap: var(--s6); align-items: start; }

.apply-copy h2 {
  font-size: 38px; font-weight: 900; letter-spacing: -.04em;
  line-height: 1.18; color: #fff; margin-bottom: var(--s2);
}
.apply-copy p { font-size: 16px; color: rgba(255,255,255,.65); line-height: 1.9; margin-bottom: 28px; }
.apply-points { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.apply-points li {
  display: flex; align-items: center; gap: 10px;
  font-size: 15px; color: rgba(255,255,255,.85); font-weight: 600;
}
.apply-points li::before {
  content: ''; width: 20px; height: 20px; border-radius: 50%; flex-shrink: 0;
  background: rgba(255,255,255,.15) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 14 14'%3E%3Cpath d='M2.5 7l3.5 3.5 5.5-6' stroke='white' stroke-width='2' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") no-repeat center;
}
.apply-tel {
  margin-top: var(--s4); padding-top: var(--s3);
  border-top: 1px solid rgba(255,255,255,.15);
}
.apply-tel span { display: block; font-size: 13px; color: rgba(255,255,255,.5); margin-bottom: 4px; }
.apply-tel a {
  font-size: 26px; font-weight: 900; color: #fff;
  letter-spacing: -.02em; font-variant-numeric: tabular-nums;
}

/* 무료상담 신청 폼 — 남색 섹션 위에 얹는 흰 카드.
   히어로 폼과 같은 밝은 규칙을 그대로 쓰므로 색 override 는 거의 필요 없다.
   (반투명 카드일 때는 흰 배경 버튼에 흰 글씨가 겹쳐 버튼이 보이지 않았다.) */
.form-dark {
  background: #fff;
  border: 1px solid rgba(255,255,255,.28);
  border-radius: 16px; padding: 34px 30px;
  box-shadow: 0 14px 44px rgba(4, 26, 62, .32);
}
/* 흰 카드 안에서도 입력창은 흰 바탕 — 테두리로만 구분한다 */
.form-dark .f input,
.form-dark .f select { background: #fff; }
.form-dark option { color: var(--ink); background: #fff; }

/* ─── 스티키 CTA ─── */
.sticky-cta {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 300;
  background: rgba(13, 71, 161, .97);
  border-top: 1px solid rgba(255,255,255,.15);
  box-shadow: 0 -4px 24px rgba(0,0,0,.18);
  transform: translateY(100%);
  transition: transform .25s ease-out;
}
.sticky-cta.is-shown { transform: none; }
.sticky-cta__i {
  display: flex; align-items: center; justify-content: space-between;
  gap: var(--s4); height: 76px;
}
.sticky-cta__t strong {
  display: block; font-size: 17px; font-weight: 800;
  color: #fff; letter-spacing: -.02em;
}
.sticky-cta__t span { font-size: 13px; color: rgba(255,255,255,.6); }
.sticky-cta__r { display: flex; align-items: center; gap: 14px; }
.sticky-cta__tel {
  display: flex; align-items: center; gap: 8px;
  font-size: 20px; font-weight: 900; color: #fff;
  letter-spacing: -.02em; font-variant-numeric: tabular-nums;
}
.sticky-cta__tel svg { width: 17px; height: 17px; fill: rgba(255,255,255,.7); }
.sticky-cta__btn {
  background: #fff; color: var(--blue-dark);
  font-size: 15px; font-weight: 800;
  padding: 13px 28px; border-radius: var(--r-sm);
  white-space: nowrap;
  transition: background .15s, transform .12s;
}
.sticky-cta__btn:hover { background: #EAF2FC; transform: translateY(-1px); }

/* ─── FOOTER ─── */
.footer { background: var(--ink); padding: 28px 0; }
.footer__i { display: flex; align-items: center; justify-content: space-between; }
.footer__logo { font-size: 15px; font-weight: 800; color: rgba(255, 255, 255, .5); }
.footer p { font-size: 12px; color: rgba(255, 255, 255, .22); }