/* ============================================================
   SGI서울보증 행복대리점 - 공식 CI 기반 현대적 디자인
   공식 CI 3대 핵심 컬러:
   1. Passion (열정/도전/혁신): #FF4F04
   2. Leading (세계 도약 선도): #052F95
   3. Reliability (전문성/신뢰): #061661
   ============================================================ */

:root {
    /* SGI 공식 CI 3대 컬러 */
    --sgi-passion: #FF4F04;         /* Passion: 열정과 도전, 혁신 정신 */
    --sgi-passion-hover: #E04200;
    --sgi-passion-light: #FFF2ED;
    --sgi-passion-glow: rgba(255, 79, 4, 0.28);

    --sgi-leading: #052F95;         /* Leading: 선도적이고 생동감 있는 코발트 블루 */
    --sgi-leading-hover: #03216E;
    --sgi-leading-light: #EBF2FD;
    --sgi-leading-glow: rgba(5, 47, 149, 0.25);

    --sgi-reliability: #061661;     /* Reliability: 신뢰와 전문성의 딥 네이비 */
    --sgi-reliability-dark: #020B38;
    --sgi-reliability-light: #F0F4FA;

    /* 기존 변수 하위 호환 및 CI 컬러 바인딩 */
    --sgic-navy: var(--sgi-reliability);
    --sgic-navy-dark: var(--sgi-reliability-dark);
    --sgic-blue: var(--sgi-leading);
    --sgic-blue-hover: var(--sgi-leading-hover);
    --sgic-sky: var(--sgi-passion);
    --sgic-sky-light: var(--sgi-leading-light);
    --sgic-bg-light: var(--bg-slate);

    --gold-trust: #D97706;
    --gold-bg: #FEF3C7;

    --bg-white: #FFFFFF;
    --bg-slate: #F5F8FC;
    --bg-card: #FFFFFF;

    --text-navy: #061661;
    --text-body: #2B3857;
    --text-muted: #5A698A;
    --text-light: #8E9DBB;

    --border-light: #DCE5F2;
    --border-blue: #C5D8F6;
    --border-passion: #FFD4C4;
    
    --shadow-sm: 0 2px 6px rgba(6, 22, 97, 0.05);
    --shadow-md: 0 8px 24px rgba(6, 22, 97, 0.09);
    --shadow-lg: 0 20px 48px rgba(6, 22, 97, 0.14);

    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 20px;
    --radius-full: 9999px;

    --transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
    color: var(--text-body);
    background-color: var(--bg-slate);
}

body {
    font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    line-height: 1.65;
    color: var(--text-body);
    background-color: var(--bg-slate);
    -webkit-font-smoothing: antialiased;
}

.container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

a {
    color: inherit;
    text-decoration: none;
    transition: var(--transition);
}

button {
    font-family: inherit;
    cursor: pointer;
    border: none;
    background: none;
}

/* ============================================================
   최상단 퀵 안내 바
   ============================================================ */
.top-announcement-bar {
    background: linear-gradient(90deg, var(--sgi-reliability-dark) 0%, var(--sgi-reliability) 100%);
    color: #FFFFFF;
    font-size: 0.84rem;
    padding: 9px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.top-bar-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 10px;
}

.top-bar-left {
    display: flex;
    align-items: center;
    gap: 10px;
}

.badge-tag {
    background-color: var(--sgi-passion);
    color: #FFFFFF;
    font-size: 0.72rem;
    font-weight: 800;
    padding: 2px 8px;
    border-radius: var(--radius-sm);
    letter-spacing: -0.02em;
    box-shadow: 0 2px 6px var(--sgi-passion-glow);
}

.top-bar-text {
    color: #E2E8F0;
    font-weight: 500;
}

.top-bar-right {
    display: flex;
    align-items: center;
    gap: 12px;
}

.top-contact-item {
    display: flex;
    align-items: center;
    gap: 6px;
    color: #FFFFFF;
    font-weight: 600;
}

.top-contact-item:hover {
    color: var(--sgi-passion-light);
}

.bar-divider {
    color: rgba(255, 255, 255, 0.25);
    font-size: 0.75rem;
}

.top-btn-copy {
    color: #CBD5E1;
    font-size: 0.82rem;
    transition: var(--transition);
}

.top-btn-copy:hover {
    color: #FFFFFF;
    text-decoration: underline;
}

/* ============================================================
   메인 내비게이션 바 & 공식 CI 로고
   ============================================================ */
.navbar {
    position: sticky;
    top: 0;
    left: 0;
    width: 100%;
    z-index: 100;
    background-color: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(12px);
    border-bottom: 1.5px solid var(--border-light);
    box-shadow: 0 4px 16px rgba(6, 22, 97, 0.04);
    padding: 12px 0;
    transition: var(--transition);
}

.nav-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.nav-brand {
    display: flex;
    align-items: center;
    text-decoration: none;
}

.brand-ci-wrapper {
    display: flex;
    align-items: center;
    gap: 14px;
}

.brand-ci-symbol {
    height: 44px;
    width: auto;
    object-fit: contain;
    filter: drop-shadow(0 2px 4px rgba(6, 22, 97, 0.1));
}

.brand-logotype-box {
    display: flex;
    flex-direction: column;
}

.brand-main-row {
    display: flex;
    align-items: center;
    gap: 6px;
    line-height: 1.15;
}

.ci-sgi {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.4rem;
    font-weight: 900;
    color: var(--sgi-reliability);
    letter-spacing: -0.04em;
}

.ci-kor {
    font-size: 1.25rem;
    font-weight: 800;
    color: var(--sgi-leading);
    letter-spacing: -0.03em;
}

.agency-pill {
    background: linear-gradient(135deg, var(--sgi-passion) 0%, #FF682E 100%);
    color: #FFFFFF;
    font-size: 0.72rem;
    font-weight: 800;
    padding: 3px 8px;
    border-radius: var(--radius-sm);
    letter-spacing: -0.01em;
    box-shadow: 0 2px 6px var(--sgi-passion-glow);
    margin-left: 2px;
}

.ci-slogan {
    font-family: 'Montserrat', sans-serif;
    font-size: 0.72rem;
    font-weight: 700;
    color: var(--sgi-leading);
    letter-spacing: 0.02em;
    margin-top: 2px;
    opacity: 0.88;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 26px;
}

.nav-link {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--text-body);
    transition: var(--transition);
}

.nav-link:hover {
    color: var(--sgi-leading);
}

.nav-btn-call {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    background: linear-gradient(135deg, var(--sgi-reliability) 0%, var(--sgi-leading) 100%);
    color: #FFFFFF;
    padding: 10px 20px;
    border-radius: var(--radius-full);
    font-size: 0.92rem;
    font-weight: 800;
    transition: var(--transition);
    box-shadow: 0 4px 14px var(--sgi-leading-glow);
}

.nav-btn-call:hover {
    background: linear-gradient(135deg, var(--sgi-passion) 0%, #FF682E 100%);
    transform: translateY(-1px);
    box-shadow: 0 4px 16px var(--sgi-passion-glow);
}

.mobile-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    padding: 6px;
}

.mobile-toggle span {
    width: 22px;
    height: 2.5px;
    background-color: var(--sgic-navy);
    border-radius: 2px;
}

/* ============================================================
   공통 버튼 & 타이틀
   ============================================================ */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    font-weight: 700;
    border-radius: var(--radius-md);
    transition: var(--transition);
    cursor: pointer;
}

.btn-primary-large {
    background: linear-gradient(135deg, var(--sgic-navy) 0%, var(--sgic-blue) 100%);
    color: #FFFFFF;
    padding: 16px 32px;
    font-size: 1.05rem;
    box-shadow: 0 6px 20px rgba(0, 59, 142, 0.28);
    border-radius: var(--radius-full);
}

.btn-primary-large:hover {
    background: linear-gradient(135deg, var(--sgic-navy-dark) 0%, var(--sgic-navy) 100%);
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(0, 59, 142, 0.35);
}

.btn-outline-large {
    background-color: #FFFFFF;
    color: var(--sgic-navy);
    border: 2px solid var(--sgic-navy);
    padding: 15px 30px;
    font-size: 1.02rem;
    border-radius: var(--radius-full);
}

.btn-outline-large:hover {
    background-color: var(--sgic-bg-light);
    transform: translateY(-2px);
}

.section {
    padding: 96px 0;
    position: relative;
}

.section-title-wrap {
    margin-bottom: 56px;
}

.sub-tag {
    display: inline-block;
    font-family: 'Montserrat', sans-serif;
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    color: var(--sgic-blue);
    background-color: var(--sgic-sky-light);
    padding: 4px 12px;
    border-radius: var(--radius-full);
    margin-bottom: 12px;
}

.sub-tag.white {
    color: var(--sgic-sky);
    background-color: rgba(255, 255, 255, 0.12);
}

.main-title {
    font-size: 2.3rem;
    font-weight: 800;
    color: var(--text-navy);
    letter-spacing: -0.03em;
    line-height: 1.3;
}

.title-desc {
    font-size: 1.05rem;
    color: var(--text-muted);
    margin-top: 10px;
}

.text-center {
    text-align: center;
}

/* ============================================================
   1. Hero 섹션
   ============================================================ */
.hero-section {
    position: relative;
    padding: 70px 0 90px;
    background: linear-gradient(180deg, #FFFFFF 0%, var(--sgic-bg-light) 100%);
    overflow: hidden;
}

.hero-backdrop {
    position: absolute;
    top: -30%;
    right: -10%;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(0, 163, 224, 0.08) 0%, transparent 70%);
    pointer-events: none;
}

.hero-container {
    display: grid;
    grid-template-columns: 1.15fr 0.85fr;
    gap: 48px;
    align-items: center;
    position: relative;
    z-index: 2;
}

.trust-badge-row {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 22px;
}

.badge-trust {
    font-size: 0.78rem;
    font-weight: 700;
    padding: 5px 12px;
    border-radius: var(--radius-full);
}

.sgic-badge {
    background-color: var(--sgic-navy);
    color: #FFFFFF;
}

.cert-badge {
    background-color: var(--gold-bg);
    color: var(--gold-trust);
    border: 1px solid rgba(217, 119, 6, 0.3);
}

.tax-badge {
    background-color: var(--sgic-sky-light);
    color: var(--sgic-blue);
}

.hero-heading {
    font-size: 3rem;
    font-weight: 900;
    color: var(--text-navy);
    line-height: 1.22;
    letter-spacing: -0.035em;
    margin-bottom: 20px;
}

.color-sky {
    color: var(--sgic-blue);
    position: relative;
    display: inline-block;
}

.hero-subtext {
    font-size: 1.12rem;
    line-height: 1.8;
    color: var(--text-body);
    margin-bottom: 36px;
    max-width: 580px;
}

.hero-subtext strong {
    color: var(--sgic-navy);
}

.hero-btn-group {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
    margin-bottom: 48px;
}

.hero-stat-card-row {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
    padding-top: 30px;
    border-top: 1px solid var(--border-light);
}

.hero-stat-card {
    display: flex;
    flex-direction: column;
}

.stat-number {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.6rem;
    font-weight: 800;
    color: var(--sgic-navy);
}

.stat-label {
    font-size: 0.82rem;
    color: var(--text-muted);
    font-weight: 500;
}

.image-frame-card {
    position: relative;
    border-radius: var(--radius-lg);
    background: #FFFFFF;
    padding: 12px;
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--border-light);
}

.hero-img {
    width: 100%;
    height: auto;
    border-radius: calc(var(--radius-lg) - 6px);
    display: block;
    object-fit: cover;
}

.floating-proof-badge {
    position: absolute;
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 12px 18px;
    background-color: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(10px);
    border-radius: var(--radius-md);
    box-shadow: 0 10px 25px rgba(0, 59, 142, 0.14);
    border: 1px solid var(--border-blue);
    z-index: 5;
}

.proof-icon {
    font-size: 1.4rem;
}

.floating-proof-badge strong {
    display: block;
    font-size: 0.88rem;
    color: var(--sgic-navy);
}

.floating-proof-badge small {
    display: block;
    font-size: 0.75rem;
    color: var(--text-muted);
}

.badge-top {
    top: -16px;
    right: -16px;
}

.badge-bottom {
    bottom: -16px;
    left: -16px;
}

/* ============================================================
   2. 전문가 소개 및 강점 섹션
   ============================================================ */
.about-section {
    background-color: #FFFFFF;
}

.profile-highlight-box {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    background: linear-gradient(135deg, #FFFFFF 0%, var(--sgic-bg-light) 100%);
    border: 1px solid var(--border-light);
    border-radius: var(--radius-lg);
    padding: 48px;
    box-shadow: var(--shadow-md);
}

.agency-tag {
    font-size: 0.8rem;
    font-weight: 700;
    color: var(--sgic-blue);
    letter-spacing: -0.01em;
}

.profile-name {
    font-size: 2rem;
    font-weight: 800;
    color: var(--text-navy);
    margin: 4px 0 8px;
}

.profile-role {
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--sgic-navy);
}

.profile-job {
    font-size: 0.96rem;
    color: var(--text-muted);
    margin-bottom: 24px;
}

.qualification-card {
    display: flex;
    gap: 16px;
    background-color: #FFFFFF;
    border: 1.5px solid rgba(217, 119, 6, 0.3);
    border-radius: var(--radius-md);
    padding: 20px;
    margin-bottom: 20px;
    box-shadow: var(--shadow-sm);
}

.cert-gold-icon {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background-color: var(--gold-bg);
    color: var(--gold-trust);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.cert-title {
    font-size: 1.05rem;
    color: var(--text-navy);
    display: block;
}

.cert-issuer {
    font-size: 0.8rem;
    color: var(--gold-trust);
    font-weight: 700;
    display: block;
    margin: 2px 0 6px;
}

.cert-desc {
    font-size: 0.88rem;
    color: var(--text-body);
    line-height: 1.6;
}

.blog-banner-box {
    display: flex;
    justify-content: space-between;
    align-items: center;
    background-color: #F0FDF4;
    border: 1px solid #BBF7D0;
    border-radius: var(--radius-md);
    padding: 18px 20px;
    gap: 16px;
}

.blog-tag {
    font-size: 0.72rem;
    font-weight: 700;
    color: #16A34A;
    background-color: #DCFCE7;
    padding: 2px 6px;
    border-radius: var(--radius-sm);
    display: inline-block;
    margin-bottom: 4px;
}

.blog-info strong {
    display: block;
    font-size: 0.92rem;
    color: #166534;
}

.blog-info p {
    font-size: 0.82rem;
    color: #15803D;
    margin-top: 2px;
}

.btn-blog {
    background-color: #16A34A;
    color: #FFFFFF;
    padding: 9px 16px;
    border-radius: var(--radius-md);
    font-size: 0.85rem;
    white-space: nowrap;
}

.btn-blog:hover {
    background-color: #15803D;
}

.right-heading {
    font-size: 1.3rem;
    font-weight: 800;
    color: var(--text-navy);
    margin-bottom: 24px;
}

.strength-grid-2 {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.s-card {
    background-color: #FFFFFF;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-md);
    padding: 20px;
    transition: var(--transition);
}

.s-card:hover {
    border-color: var(--sgic-blue);
    transform: translateY(-2px);
    box-shadow: var(--shadow-sm);
}

.s-icon {
    font-family: 'Montserrat', sans-serif;
    font-size: 0.85rem;
    font-weight: 800;
    color: var(--sgic-blue);
    margin-bottom: 8px;
}

.s-card h5 {
    font-size: 0.98rem;
    font-weight: 700;
    color: var(--text-navy);
    margin-bottom: 8px;
}

.s-card p {
    font-size: 0.85rem;
    color: var(--text-muted);
    line-height: 1.6;
}

/* ============================================================
   3. 납세보증보험 상세 (비교 & 프로세스)
   ============================================================ */
.tax-section {
    background-color: var(--sgic-bg-light);
}

.comparison-card-wrap {
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    gap: 24px;
    align-items: center;
    margin-bottom: 56px;
}

.comp-card {
    background-color: #FFFFFF;
    border-radius: var(--radius-lg);
    padding: 36px 30px;
    border: 1px solid var(--border-light);
    box-shadow: var(--shadow-sm);
}

.comp-badge {
    display: inline-block;
    font-size: 0.78rem;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: var(--radius-full);
    background-color: #E2E8F0;
    color: #475569;
    margin-bottom: 12px;
}

.comp-badge.best {
    background-color: var(--sgic-navy);
    color: #FFFFFF;
}

.comp-title {
    font-size: 1.35rem;
    font-weight: 800;
    color: var(--text-navy);
    margin-bottom: 20px;
}

.card-strong {
    border: 2px solid var(--sgic-navy);
    box-shadow: var(--shadow-lg);
    position: relative;
    background: linear-gradient(180deg, #FFFFFF 0%, #F0F7FD 100%);
}

.comp-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.comp-list li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 0.93rem;
}

.cross {
    color: #EF4444;
    font-weight: 800;
}

.check {
    color: var(--sgic-navy);
    font-weight: 800;
}

.comp-vs {
    font-family: 'Montserrat', sans-serif;
    font-weight: 900;
    font-size: 1.3rem;
    color: var(--text-light);
}

/* 프로세스 4단계 */
.process-wrapper {
    background-color: #FFFFFF;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-lg);
    padding: 40px;
    box-shadow: var(--shadow-sm);
}

.process-heading {
    text-align: center;
    font-size: 1.3rem;
    font-weight: 800;
    color: var(--text-navy);
    margin-bottom: 32px;
}

.process-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

.step-card {
    background-color: var(--sgic-bg-light);
    border-radius: var(--radius-md);
    padding: 24px 18px;
    border: 1px solid var(--border-light);
    position: relative;
}

.step-num {
    font-family: 'Montserrat', sans-serif;
    font-size: 0.78rem;
    font-weight: 800;
    color: var(--sgic-blue);
    display: block;
    margin-bottom: 8px;
}

.step-card h4 {
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--text-navy);
    margin-bottom: 8px;
}

.step-card p {
    font-size: 0.85rem;
    color: var(--text-muted);
    line-height: 1.5;
}

/* ============================================================
   4. 취급 업무 그리드
   ============================================================ */
.services-section {
    background-color: #FFFFFF;
}

.service-cards-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.svc-card {
    background-color: var(--bg-slate);
    border: 1px solid var(--border-light);
    border-radius: var(--radius-lg);
    padding: 32px 24px;
    display: flex;
    flex-direction: column;
    transition: var(--transition);
}

.svc-card:hover {
    background-color: #FFFFFF;
    border-color: var(--sgic-blue);
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}

.svc-card.featured {
    border: 2px solid var(--sgic-navy);
    background: linear-gradient(180deg, #FFFFFF 0%, #F0F7FD 100%);
}

.svc-icon-box {
    width: 56px;
    height: 56px;
    border-radius: var(--radius-md);
    background-color: #FFFFFF;
    color: var(--sgic-navy);
    border: 1px solid var(--border-light);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    box-shadow: var(--shadow-sm);
}

.svc-card h3 {
    font-size: 1.25rem;
    font-weight: 800;
    color: var(--text-navy);
    margin-bottom: 12px;
}

.svc-desc {
    font-size: 0.9rem;
    color: var(--text-muted);
    line-height: 1.6;
    margin-bottom: 20px;
    flex-grow: 1;
}

.svc-checklist {
    list-style: none;
    border-top: 1px solid var(--border-light);
    padding-top: 16px;
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.svc-checklist li {
    font-size: 0.82rem;
    color: var(--text-body);
    position: relative;
    padding-left: 14px;
}

.svc-checklist li::before {
    content: "•";
    position: absolute;
    left: 0;
    color: var(--sgic-blue);
    font-weight: 800;
}

/* ============================================================
   5. 납세보증보험료 모의 계산기
   ============================================================ */
.calc-section {
    background: linear-gradient(180deg, var(--sgic-bg-light) 0%, #EBF4FC 100%);
}

.calc-container-box {
    display: grid;
    grid-template-columns: 1fr 1.05fr;
    gap: 56px;
    align-items: center;
}

.calc-title {
    font-size: 2.2rem;
    font-weight: 900;
    color: var(--text-navy);
    line-height: 1.25;
    margin: 10px 0 16px;
}

.calc-desc {
    font-size: 1.05rem;
    color: var(--text-body);
    line-height: 1.7;
    margin-bottom: 28px;
}

.calc-notice {
    background-color: #FFFFFF;
    border-left: 4px solid var(--sgic-blue);
    padding: 16px 20px;
    border-radius: 0 var(--radius-md) var(--radius-md) 0;
    box-shadow: var(--shadow-sm);
}

.calc-notice strong {
    font-size: 0.9rem;
    color: var(--sgic-navy);
    display: block;
    margin-bottom: 4px;
}

.calc-notice p {
    font-size: 0.85rem;
    color: var(--text-muted);
    line-height: 1.5;
}

.calc-card {
    background-color: #FFFFFF;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-lg);
    padding: 36px;
    box-shadow: var(--shadow-lg);
}

.form-group {
    margin-bottom: 20px;
    position: relative;
}

.form-group label {
    display: block;
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--text-navy);
    margin-bottom: 8px;
}

.calc-input {
    width: 100%;
    font-family: inherit;
    font-size: 1rem;
    padding: 12px 14px;
    border: 1.5px solid var(--border-light);
    border-radius: var(--radius-md);
    background-color: #FFFFFF;
    color: var(--text-navy);
    outline: none;
    transition: var(--transition);
}

.calc-input:focus {
    border-color: var(--sgic-navy);
    box-shadow: 0 0 0 3px rgba(0, 59, 142, 0.12);
}

.calc-amount-korean {
    display: block;
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--sgi-leading);
    margin-top: 6px;
    text-align: right;
}

.calc-rate-info-box {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 8px;
    background-color: var(--sgi-reliability-light);
    border: 1px solid var(--border-light);
    border-radius: var(--radius-md);
    padding: 12px 14px;
    margin-top: 14px;
}

.rate-badge-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 3px;
}

.rate-badge-label {
    font-size: 0.76rem;
    font-weight: 600;
    color: var(--text-muted);
}

.rate-badge-val {
    font-size: 0.95rem;
    font-weight: 800;
    color: var(--sgi-leading);
}

.calc-result-box {
    background: linear-gradient(135deg, var(--sgi-leading-light) 0%, #FFFFFF 100%);
    border: 1.5px solid var(--border-blue);
    border-radius: var(--radius-md);
    padding: 22px 24px;
    margin: 20px 0 16px 0;
    display: flex;
    flex-direction: column;
    gap: 12px;
    box-shadow: 0 4px 14px rgba(5, 47, 149, 0.06);
}

/* 차수별 상세 테이블 아코디언 */
.calc-schedule-wrap {
    margin-bottom: 20px;
}

.btn-toggle-schedule {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    background: none;
    border: 1px dashed var(--border-blue);
    border-radius: var(--radius-sm);
    padding: 10px 14px;
    font-family: inherit;
    font-size: 0.88rem;
    font-weight: 700;
    color: var(--sgi-leading);
    cursor: pointer;
    transition: var(--transition);
}

.btn-toggle-schedule:hover {
    background-color: var(--sgi-leading-light);
    border-color: var(--sgi-leading);
}

.btn-toggle-schedule .chevron-icon {
    transition: transform 0.25s ease;
}

.btn-toggle-schedule.active .chevron-icon {
    transform: rotate(180deg);
}

.schedule-table-box {
    margin-top: 12px;
    background-color: #FAFCFE;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-sm);
    padding: 12px;
}

.table-responsive {
    width: 100%;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
}

.schedule-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.78rem;
    text-align: right;
    white-space: nowrap;
}

.schedule-table th,
.schedule-table td {
    padding: 8px 10px;
    border-bottom: 1px solid var(--border-light);
}

.schedule-table th {
    background-color: var(--sgi-reliability-light);
    color: var(--sgi-reliability);
    font-weight: 700;
    text-align: center;
}

.schedule-table td:first-child {
    text-align: center;
    font-weight: 700;
    color: var(--sgi-leading);
}

.schedule-table tbody tr:hover {
    background-color: #F0F6FF;
}

.schedule-table tfoot tr {
    background-color: #EBF2FD;
    font-weight: 800;
    color: var(--sgi-reliability);
    border-top: 2px solid var(--sgi-leading);
}

.schedule-table-note {
    font-size: 0.74rem;
    color: var(--text-muted);
    margin-top: 8px;
    line-height: 1.4;
    text-align: left;
}

.result-row.total {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 1.1rem;
    font-weight: 800;
    color: var(--text-navy);
}

.total-price {
    font-size: 1.6rem;
    color: var(--sgi-leading);
    font-weight: 900;
}

.btn-calc-action {
    width: 100%;
    background-color: var(--sgic-navy);
    color: #FFFFFF;
    padding: 15px;
    border-radius: var(--radius-md);
    font-size: 1rem;
    font-weight: 700;
    transition: var(--transition);
}

.btn-calc-action:hover {
    background-color: var(--sgic-blue);
    transform: translateY(-2px);
}

/* ============================================================
   6. 대리점 정보 및 오시는 길
   ============================================================ */
.location-section {
    background-color: #FFFFFF;
}

.location-card-grid {
    display: grid;
    grid-template-columns: 1.05fr 0.95fr;
    gap: 40px;
}

.agency-details-card {
    background-color: var(--bg-slate);
    border: 1px solid var(--border-light);
    border-radius: var(--radius-lg);
    padding: 36px;
    box-shadow: var(--shadow-sm);
}

.branch-top-header {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 24px;
    padding-bottom: 18px;
    border-bottom: 1.5px solid var(--border-light);
}

.branch-pill {
    background-color: var(--sgic-navy);
    color: #FFFFFF;
    font-size: 0.85rem;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: var(--radius-sm);
}

.branch-top-header h3 {
    font-size: 1.4rem;
    font-weight: 800;
    color: var(--text-navy);
}

.agency-info-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 14px;
    margin-bottom: 30px;
}

.agency-info-list li {
    display: grid;
    grid-template-columns: 110px 1fr;
    font-size: 0.94rem;
    line-height: 1.6;
}

.info-k {
    font-weight: 700;
    color: var(--text-muted);
}

.info-v {
    color: var(--text-navy);
}

.tel-link {
    font-size: 1.15rem;
    font-weight: 800;
    color: var(--sgic-navy);
}

.link-sgica {
    color: var(--sgic-blue);
    font-weight: 600;
}

.link-sgica:hover {
    text-decoration: underline;
}

.addr-detail {
    display: block;
    font-size: 0.8rem;
    color: var(--sgic-blue);
    font-weight: 600;
    margin-top: 4px;
}

.agency-action-btns {
    display: flex;
    gap: 12px;
}

.btn-call-direct {
    flex: 1;
    background-color: var(--sgic-navy);
    color: #FFFFFF;
    padding: 13px;
    border-radius: var(--radius-md);
    text-align: center;
    font-weight: 700;
}

.btn-call-direct:hover {
    background-color: var(--sgic-blue);
}

.btn-copy-addr {
    background-color: #FFFFFF;
    border: 1px solid var(--border-light);
    color: var(--text-body);
    padding: 13px 20px;
    border-radius: var(--radius-md);
    font-weight: 600;
}

.btn-copy-addr:hover {
    background-color: var(--sgic-bg-light);
}

/* 지도 시각화 프레임 */
.map-visual-card {
    background-color: #FFFFFF;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-lg);
    padding: 24px;
    box-shadow: var(--shadow-sm);
    display: flex;
    flex-direction: column;
}

.map-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-weight: 700;
    color: var(--text-navy);
    margin-bottom: 16px;
}

.map-sub {
    font-size: 0.8rem;
    color: var(--text-muted);
    font-weight: 500;
}

.map-image-wrapper {
    border-radius: var(--radius-md);
    border: 1.5px solid var(--border-light);
    height: 280px;
    overflow: hidden;
    margin-bottom: 20px;
    box-shadow: inset 0 2px 4px rgba(0, 0, 0, 0.05);
}

.map-real-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
    transition: var(--transition);
}

.map-real-img:hover {
    transform: scale(1.03);
}

.map-btn-row {
    display: flex;
    gap: 10px;
}

.btn-map {
    flex: 1;
    padding: 12px;
    border-radius: var(--radius-md);
    font-size: 0.88rem;
    font-weight: 700;
    text-align: center;
}

.btn-map.kakao {
    background-color: #FEE500;
    color: #000000;
}

.btn-map.naver {
    background-color: #03C75A;
    color: #FFFFFF;
}

/* ============================================================
   7. 온라인 간편 상담 폼
   ============================================================ */
.consult-section {
    background: linear-gradient(135deg, var(--sgic-navy-dark) 0%, var(--sgic-navy) 100%);
    color: #FFFFFF;
}

.consult-form-wrapper {
    display: grid;
    grid-template-columns: 0.9fr 1.1fr;
    gap: 56px;
    align-items: center;
}

.consult-title {
    font-size: 2.3rem;
    font-weight: 900;
    color: #FFFFFF;
    line-height: 1.25;
    margin: 12px 0 16px;
}

.consult-desc {
    font-size: 1.05rem;
    color: #E2E8F0;
    line-height: 1.7;
    margin-bottom: 36px;
}

.quick-contact-callout {
    background-color: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.15);
    border-radius: var(--radius-md);
    padding: 24px;
}

.quick-contact-callout p {
    font-size: 0.88rem;
    color: var(--sgic-sky-light);
    margin-bottom: 8px;
}

.callout-tel {
    font-size: 2rem;
    font-weight: 900;
    color: #FFFFFF;
    display: block;
}

.callout-fax {
    font-size: 0.85rem;
    color: #CBD5E1;
    display: block;
    margin-top: 6px;
}

.consult-form-box {
    background-color: #FFFFFF;
    border-radius: var(--radius-lg);
    padding: 40px;
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.25);
    color: var(--text-navy);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 16px;
}

.f-field {
    display: flex;
    flex-direction: column;
    gap: 6px;
    margin-bottom: 16px;
}

.f-field label {
    font-size: 0.88rem;
    font-weight: 700;
    color: var(--text-navy);
}

.req {
    color: #EF4444;
}

.f-field input,
.f-field select,
.f-field textarea {
    width: 100%;
    font-family: inherit;
    font-size: 0.95rem;
    padding: 12px 14px;
    border: 1.5px solid var(--border-light);
    border-radius: var(--radius-md);
    background-color: #FFFFFF;
    color: var(--text-navy);
    outline: none;
    transition: var(--transition);
}

.f-field input:focus,
.f-field select:focus,
.f-field textarea:focus {
    border-color: var(--sgic-navy);
    box-shadow: 0 0 0 3px rgba(0, 59, 142, 0.12);
}

/* ============================================================
   개인정보 취급방침 및 동의 스타일
   ============================================================ */
.privacy-consent-card {
    background-color: var(--bg-slate);
    border: 1.5px solid var(--border-light);
    border-radius: var(--radius-md);
    padding: 16px 18px;
    margin: 16px 0 20px 0;
    transition: var(--transition);
}

.privacy-consent-card.highlight-warning {
    border-color: #E11D48;
    box-shadow: 0 0 0 3px rgba(225, 29, 72, 0.2);
    animation: shakeWarning 0.4s ease;
}

@keyframes shakeWarning {
    0%, 100% { transform: translateX(0); }
    20%, 60% { transform: translateX(-4px); }
    40%, 80% { transform: translateX(4px); }
}

.privacy-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 10px;
}

.privacy-title {
    font-size: 0.92rem;
    font-weight: 700;
    color: var(--text-navy);
}

.btn-toggle-privacy {
    background: none;
    border: none;
    font-size: 0.8rem;
    font-weight: 700;
    color: var(--sgi-leading);
    cursor: pointer;
    padding: 2px 6px;
    border-radius: 4px;
}

.btn-toggle-privacy:hover {
    background-color: var(--sgi-leading-light);
}

.privacy-body {
    transition: all 0.25s ease;
}

.privacy-content-scroll {
    max-height: 125px;
    overflow-y: auto;
    background-color: #FFFFFF;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-sm);
    padding: 12px 14px;
    font-size: 0.78rem;
    line-height: 1.6;
    color: var(--text-body);
}

.privacy-intro {
    padding-bottom: 8px;
    border-bottom: 1px dashed var(--border-light);
    margin-bottom: 8px;
    color: var(--text-navy);
}

.privacy-section-item {
    margin-bottom: 8px;
}

.privacy-section-item strong {
    color: var(--sgi-leading);
    display: block;
    margin-bottom: 2px;
}

.privacy-section-item p {
    margin: 0;
    color: var(--text-muted);
}

.privacy-action-row {
    margin-top: 14px;
    padding-top: 10px;
    border-top: 1px solid var(--border-light);
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.privacy-radio-group {
    display: flex;
    gap: 20px;
    align-items: center;
}

.radio-label {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    cursor: pointer;
    font-size: 0.95rem;
    user-select: none;
}

.radio-label input[type="radio"] {
    accent-color: var(--sgi-leading);
    width: 17px;
    height: 17px;
    cursor: pointer;
}

.radio-label strong.label-txt {
    color: var(--sgi-leading);
}

.privacy-must-note {
    font-size: 0.8rem;
    color: #E11D48;
    font-weight: 600;
    margin: 0;
}

.btn-submit-consult {
    width: 100%;
    background: linear-gradient(135deg, var(--sgic-navy) 0%, var(--sgic-blue) 100%);
    color: #FFFFFF;
    padding: 16px;
    border-radius: var(--radius-md);
    font-size: 1.05rem;
    font-weight: 800;
    box-shadow: 0 4px 16px rgba(0, 59, 142, 0.25);
    margin-top: 8px;
}

.btn-submit-consult:disabled {
    background: #94A3B8;
    cursor: not-allowed;
    transform: none;
    box-shadow: none;
}

.form-privacy-note {
    font-size: 0.8rem;
    color: var(--text-muted);
    text-align: center;
    margin-top: 12px;
    line-height: 1.5;
}

.form-privacy-note strong {
    color: var(--sgi-leading);
}

/* ============================================================
   Footer
   ============================================================ */
.footer {
    background-color: #0A1424;
    color: #94A3B8;
    padding: 56px 0 40px;
    font-size: 0.88rem;
}

.footer-top {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    padding-bottom: 30px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
    margin-bottom: 24px;
    flex-wrap: wrap;
    gap: 20px;
}

.footer-ci-brand {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.footer-ci-row {
    display: flex;
    align-items: center;
    gap: 12px;
}

.footer-symbol-img {
    height: 40px;
    width: auto;
    object-fit: contain;
    background-color: #FFFFFF;
    padding: 3px 6px;
    border-radius: var(--radius-sm);
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.2);
}

.footer-brand-title {
    font-size: 1.25rem;
    font-weight: 800;
    color: #FFFFFF;
    line-height: 1.2;
}

.footer-brand-title strong {
    color: #FFFFFF;
}

.footer-slogan-txt {
    font-family: 'Montserrat', sans-serif;
    font-size: 0.76rem;
    font-weight: 800;
    color: var(--sgi-passion);
    letter-spacing: 0.04em;
    display: block;
    margin-top: 2px;
}

.f-summary {
    font-size: 0.84rem;
    color: #8E9DBB;
    margin-top: 4px;
}

.footer-links {
    display: flex;
    gap: 20px;
}

.footer-links a {
    color: #CBD5E1;
    font-weight: 500;
}

.footer-links a:hover {
    color: #FFFFFF;
}

.footer-bottom {
    line-height: 1.8;
}

.copyright {
    margin-top: 16px;
    color: #475569;
    font-size: 0.8rem;
}

/* ============================================================
   플로팅 퀵 버튼바
   ============================================================ */
.floating-quick-bar {
    position: fixed;
    bottom: 28px;
    right: 28px;
    display: flex;
    flex-direction: column;
    gap: 10px;
    z-index: 1000;
}

.float-btn {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 12px 20px;
    border-radius: var(--radius-full);
    font-weight: 800;
    font-size: 0.92rem;
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.18);
    transition: var(--transition);
}

.float-btn.call {
    background-color: var(--sgic-navy);
    color: #FFFFFF;
}

.float-btn.call:hover {
    background-color: var(--sgic-blue);
    transform: translateY(-3px);
}

.float-btn.consult {
    background-color: #FFFFFF;
    color: var(--sgic-navy);
    border: 1.5px solid var(--sgic-navy);
}

.float-btn.consult:hover {
    background-color: var(--sgic-bg-light);
    transform: translateY(-3px);
}

/* ============================================================
   알림 토스트 UI
   ============================================================ */
.toast-popup {
    position: fixed;
    bottom: 30px;
    left: 50%;
    transform: translateX(-50%) translateY(40px);
    background-color: var(--sgic-navy-dark);
    color: #FFFFFF;
    padding: 14px 28px;
    border-radius: var(--radius-full);
    font-size: 0.92rem;
    font-weight: 600;
    box-shadow: 0 10px 30px rgba(0, 59, 142, 0.3);
    opacity: 0;
    pointer-events: none;
    transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
    z-index: 2000;
}

.toast-popup.show {
    opacity: 1;
    transform: translateX(-50%) translateY(0);
}

/* ============================================================
   반응형 미디어 쿼리 (Responsive)
   ============================================================ */
@media (max-width: 992px) {
    .hero-container {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .hero-subtext {
        margin: 0 auto 36px;
    }

    .hero-btn-group,
    .trust-badge-row {
        justify-content: center;
    }

    .profile-highlight-box {
        grid-template-columns: 1fr;
    }

    .comparison-card-wrap {
        grid-template-columns: 1fr;
    }

    .comp-vs {
        text-align: center;
    }

    .process-grid,
    .service-cards-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .calc-container-box,
    .location-card-grid,
    .consult-form-wrapper {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 768px) {
    .top-bar-content {
        justify-content: center;
        text-align: center;
    }

    .top-bar-left, .top-bar-right {
        justify-content: center;
    }

    .nav-links {
        display: none;
        position: fixed;
        top: 60px;
        left: 0;
        width: 100%;
        background-color: #FFFFFF;
        flex-direction: column;
        padding: 24px;
        border-bottom: 1px solid var(--border-light);
        box-shadow: var(--shadow-md);
        gap: 16px;
    }

    .nav-links.active {
        display: flex;
    }

    .mobile-toggle {
        display: flex;
    }

    .hero-heading {
        font-size: 2.2rem;
    }

    .main-title {
        font-size: 1.8rem;
    }

    .process-grid,
    .service-cards-grid,
    .strength-grid-2 {
        grid-template-columns: 1fr;
    }

    .form-row {
        grid-template-columns: 1fr;
    }

    .badge-top, .badge-bottom {
        display: none;
    }

    .floating-quick-bar {
        bottom: 16px;
        right: 16px;
    }
}