:root{
  --ink:#1b1721;
  --ink-soft:#5f5867;
  --primary:#ea580c;
  --primary-deep:#c2410c;
  --accent:#f59e0b;
  --soft:#fff1e6;
  --paper:#faf7f4;
  --card:#ffffff;
  --line:#efe7df;
  --dark:#191320;
  --shadow:0 24px 60px -26px rgba(27,23,33,.42);
  --shadow-sm:0 10px 26px -16px rgba(27,23,33,.28);
  --radius:18px;
  --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:1.65;-webkit-font-smoothing:antialiased;overflow-x:clip}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}

/* ===== Header (dark) ===== */
header{position:sticky;top:0;z-index:60;background:rgba(25,19,32,.92);backdrop-filter:saturate(150%) blur(12px);border-bottom:1px solid rgba(255,255,255,.07)}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:10px}
.brand .mark{width:34px;height:34px;border-radius:10px;display:grid;place-items:center;background:linear-gradient(135deg,var(--primary),var(--accent));box-shadow:0 7px 18px -7px rgba(234,88,12,.85)}
.brand .mark svg{width:18px;height:18px}
.brand h1{font-size:19px;font-weight:800;letter-spacing:-.5px;line-height:1;margin:0;color:#fff}
nav ul{display:flex;gap:24px;list-style:none}
nav a{font-weight:600;font-size:15px;color:rgba(255,255,255,.72);transition:color .2s}
nav a:hover,nav a.active{color:var(--accent)}
.hbtn{background:var(--primary);color:#fff;padding:10px 18px;border-radius:99px;font-weight:700;font-size:14px;display:inline-flex;align-items:center;gap:6px;transition:transform .2s,background .2s;box-shadow:0 12px 24px -12px rgba(234,88,12,.9)}
.hbtn:hover{transform:translateY(-2px);background:var(--primary-deep)}
.burger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:6px;background:none;border:0}
.burger span{width:24px;height:2px;background:#fff;border-radius:2px}

/* ===== Insurer marquee (under header, prominent) ===== */
.insurers{padding:20px 0;background:#fff;border-bottom:1px solid var(--line)}
.insurers .cap{text-align:center;font-size:12.5px;color:#b3a99c;font-weight:600;margin-bottom:13px;letter-spacing:.3px}
.marquee{overflow:hidden;width:100%;-webkit-mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent)}
.marquee .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}
.marquee li{font-weight:800;font-size:17px;color:#9c9186;letter-spacing:-.5px;white-space:nowrap;transition:color .2s}
.marquee li:hover{color:var(--primary)}
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}
/* 보험사 마퀴는 모바일 절전/애니메이션 줄이기 설정과 무관하게 항상 자동 슬라이드.
   (CSS 애니메이션이 차단되는 기기는 main.js의 JS 폴백이 직접 굴린다) */

/* ===== Shell : 2-column (content left, sticky form right) ===== */
.shell{display:grid;grid-template-columns:1fr 372px;gap:44px;align-items:start;padding:52px 0 20px}
.shell .content{grid-column:1;grid-row:1;min-width:0}
.shell .aside{grid-column:2;grid-row:1;align-self:stretch}
.aside .quote{position:sticky;top:92px}

/* reveal */
.reveal{opacity:0;transform:translateY(20px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}

/* ===== Hero (left, in content) ===== */
.hero .eyebrow{display:inline-flex;align-items:center;gap:8px;background:var(--soft);color:var(--primary-deep);font-weight:800;font-size:13px;padding:7px 14px;border-radius:99px;margin-bottom:18px}
.hero .eyebrow .dot{width:7px;height:7px;border-radius:50%;background:var(--primary)}
.hero h2{font-size:clamp(30px,4.4vw,46px);line-height:1.18;letter-spacing:-1.4px;font-weight:800}
.hero h2 .em{color:var(--primary)}
.hero .lead{margin-top:18px;font-size:17.5px;color:var(--ink-soft);max-width:560px}
.trust{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}
.trust span{background:#fff;border:1px solid var(--line);box-shadow:var(--shadow-sm);padding:9px 15px;border-radius:99px;font-size:13.5px;font-weight:700;color:var(--ink)}
.trust span b{color:var(--primary)}

/* ===== Quote form card (sticky) ===== */
.quote{background:var(--card);border-radius:20px;padding:26px 26px 24px;box-shadow:var(--shadow);border:1px solid var(--line)}
.qhead-row{margin-bottom:18px}
.qhead-row h3{font-size:21px;font-weight:800;letter-spacing:-.5px}
.qhead-row h3 span{color:var(--primary)}
.qhead-row .sub{font-size:13px;color:var(--ink-soft);margin-top:5px}
.field{margin-bottom:13px}
.field>label{display:block;font-size:12.5px;font-weight:700;margin-bottom:6px;color:var(--ink)}
.seg{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.seg button{border:1.5px solid var(--line);background:#fbfaf8;border-radius:11px;padding:12px;font-size:15px;font-weight:700;color:var(--ink-soft);cursor:pointer;transition:all .2s;font-family:inherit}
.seg button.on{border-color:var(--primary);background:var(--soft);color:var(--primary-deep)}
input.txt,select.txt{width:100%;border:1.5px solid var(--line);background:#fbfaf8;border-radius:11px;padding:12px 13px;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(--primary);box-shadow:0 0 0 4px rgba(234,88,12,.14)}
.phone-row{display:grid;grid-template-columns:84px 1fr;gap:8px}
.privacy_wrap{display:flex;align-items:center;gap:8px;margin:14px 0 4px;font-size:13px;color:var(--ink-soft);flex-wrap:wrap}
.privacy_wrap input[type=checkbox]{width:18px;height:18px;accent-color:var(--primary);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(--primary);text-decoration:underline;text-underline-offset:2px;font-size:12px}
.privacy_wrap a:hover{color:var(--primary-deep)}
.submit{width:100%;border:none;border-radius:12px;padding:15px;font-size:16px;font-weight:800;color:#fff;cursor:pointer;background:linear-gradient(120deg,var(--primary),var(--primary-deep));font-family:inherit;letter-spacing:-.3px;transition:transform .2s;box-shadow:0 14px 28px -14px rgba(234,88,12,.85);margin-top:14px}
.submit:hover{transform:translateY(-2px)}
.err{color:#d4503b;font-size:12.5px;margin-top:8px;display:none}

/* ===== Content blocks ===== */
.block{margin-top:64px}
.block:first-child{margin-top:0}
.eyebrow-s{font-size:12.5px;font-weight:800;color:var(--primary);letter-spacing:1.4px;text-transform:uppercase;margin-bottom:10px}
h2.title{font-size:clamp(23px,3vw,31px);font-weight:800;letter-spacing:-.8px;line-height:1.22}
.desc{margin-top:12px;color:var(--ink-soft);font-size:15.5px}
.prose p{font-size:15px;color:var(--ink-soft);margin-bottom:13px;line-height:1.8}
.prose p b{color:var(--ink)}

/* feature cards (2-up) */
.features{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:26px}
.feature{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;transition:transform .25s,box-shadow .25s}
.feature:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.feature .ico{width:44px;height:44px;border-radius:12px;background:var(--soft);display:grid;place-items:center;font-size:21px;margin-bottom:13px}
.feature h3{font-size:16.5px;font-weight:800;margin-bottom:6px;letter-spacing:-.3px}
.feature p{font-size:14px;color:var(--ink-soft)}

/* numbered checklist (happy-plus inspired) */
.nums{margin-top:26px;display:flex;flex-direction:column;gap:12px}
.numrow{display:grid;grid-template-columns:58px 1fr;gap:16px;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px;align-items:start;transition:transform .2s,box-shadow .2s}
.numrow:hover{transform:translateY(-3px);box-shadow:var(--shadow-sm)}
.numrow .n{font-size:30px;font-weight:800;color:var(--primary);line-height:1;letter-spacing:-1px}
.numrow h3{font-size:16.5px;font-weight:800;margin-bottom:5px}
.numrow p{font-size:14px;color:var(--ink-soft)}

/* chat-bubble Q&A (happy-plus inspired, no fake reviewers) */
.chat{margin-top:26px;display:flex;flex-direction:column;gap:18px}
.cturn{display:flex;flex-direction:column;gap:9px}
.bub{max-width:86%;padding:14px 17px;border-radius:16px;font-size:14.5px;line-height:1.6}
.bub.q{align-self:flex-start;background:#fff;border:1px solid var(--line);border-bottom-left-radius:5px;font-weight:700;color:var(--ink);box-shadow:var(--shadow-sm)}
.bub.a{align-self:flex-end;background:linear-gradient(135deg,var(--primary),var(--primary-deep));color:#fff;border-bottom-right-radius:5px;box-shadow:0 12px 26px -16px rgba(234,88,12,.9)}
.bub .who{display:block;font-size:11.5px;font-weight:700;opacity:.7;margin-bottom:3px}

/* coverage list (check page) */
.cov{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:26px}
.ccard{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;transition:transform .25s,box-shadow .25s}
.ccard:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.ccard .ico{width:44px;height:44px;border-radius:12px;background:var(--soft);display:grid;place-items:center;font-size:21px;margin-bottom:12px}
.ccard h3{font-size:16.5px;font-weight:800;margin-bottom:7px;letter-spacing:-.3px}
.ccard p{font-size:14px;color:var(--ink-soft)}

/* steps (flow page) */
.steps{margin-top:28px;counter-reset:s}
.step{display:grid;grid-template-columns:50px 1fr;gap:16px;padding:20px 0;border-bottom:1px dashed var(--line)}
.step:last-child{border-bottom:none}
.step .num{width:44px;height:44px;border-radius:13px;background:linear-gradient(135deg,var(--primary),var(--accent));color:#fff;display:grid;place-items:center;font-weight:800;font-size:18px}
.step h3{font-size:16.5px;font-weight:800;margin-bottom:4px}
.step p{font-size:14px;color:var(--ink-soft)}

/* callout */
.callout{margin-top:24px;background:var(--soft);border:1px solid #fcd9b8;border-left:5px solid var(--primary);border-radius:13px;padding:20px 22px}
.callout h3{font-size:15.5px;font-weight:800;color:var(--primary-deep);margin-bottom:7px}
.callout p{font-size:14px;color:var(--ink-soft);line-height:1.7}
.callout.warn{background:#fff7ed;border-color:#fed7aa;border-left-color:var(--accent)}
.callout.warn h3{color:#b45309}

/* stat strip */
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:26px}
.stat{background:var(--dark);color:#fff;border-radius:var(--radius);padding:22px;text-align:center}
.stat .n{font-size:27px;font-weight:800;letter-spacing:-.6px;color:var(--accent)}
.stat .l{font-size:12.5px;color:rgba(255,255,255,.72);margin-top:4px}

/* CTA (full width below shell) */
.ctaband{text-align:center;background:var(--dark);color:#fff;border-radius:24px;padding:54px 30px;position:relative;overflow:hidden}
.ctaband::before{content:"";position:absolute;inset:0;background:radial-gradient(540px 300px at 80% 120%,rgba(245,158,11,.32),transparent 60%)}
.ctaband h2{font-size:clamp(24px,3.6vw,34px);font-weight:800;letter-spacing:-1px;position:relative}
.ctaband p{margin-top:13px;color:rgba(255,255,255,.78);font-size:15.5px;position:relative}
.ctaband a{display:inline-block;margin-top:24px;background:var(--primary);color:#fff;font-weight:800;padding:15px 38px;border-radius:99px;font-size:16px;position:relative;transition:transform .2s;box-shadow:0 16px 30px -14px rgba(0,0,0,.5)}
.ctaband a:hover{transform:translateY(-3px)}
.cta-wrap{padding:30px 0 0}

/* ===== Sub hero (dark) ===== */
.subhero{position:relative;background:var(--dark);color:#fff;padding:50px 0 44px;overflow:hidden}
.subhero::before{content:"";position:absolute;top:-90px;right:-60px;width:340px;height:340px;border-radius:50%;background:radial-gradient(circle,rgba(245,158,11,.22),transparent 62%)}
.subhero .inner{position:relative;z-index:1}
.crumb{font-size:13px;color:rgba(255,255,255,.66);font-weight:600;margin-bottom:13px}
.crumb a{color:#fff;text-decoration:underline;text-underline-offset:2px}
.crumb span{margin:0 7px;color:rgba(255,255,255,.4)}
.subhero h1,.subhero h2{font-size:clamp(26px,4vw,38px);font-weight:800;letter-spacing:-1px;line-height:1.18}
.subhero p{margin-top:12px;font-size:16px;color:rgba(255,255,255,.82);max-width:640px}
.subwrap{padding:54px 0}

/* FAQ accordion (ask page) */
.faq{max-width:840px;margin:0 auto}
.qa{background:var(--card);border:1px solid var(--line);border-radius:13px;margin-bottom:11px;overflow:hidden;transition:box-shadow .2s}
.qa.open{box-shadow:var(--shadow-sm)}
.qa .q{width:100%;text-align:left;background:none;border:0;font-family:inherit;color:inherit;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:19px 22px;cursor:pointer;font-weight:700;font-size:15.5px}
.qa .q .qmark{color:var(--primary);font-weight:800;margin-right:6px}
.qa .ar{flex:none;width:25px;height:25px;border-radius:50%;background:var(--soft);display:grid;place-items:center;color:var(--primary-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:14.5px}
.qa .a div{padding:0 22px 20px}

/* footer */
footer{background:#120d18;color:rgba(255,255,255,.58);padding:46px 0 36px;margin-top:70px;font-size:13px}
.fnotes{display:grid;gap:7px;border-bottom:1px solid rgba(255,255,255,.1);padding-bottom:22px;margin-bottom:22px}
.fnotes p{line-height:1.65}
.fnotes .strong{color:rgba(255,255,255,.85);font-weight:700}
.fbot{display:flex;justify-content:space-between;flex-wrap:wrap;gap:16px;align-items:flex-end}
.fbrand{font-weight:800;font-size:16px;color:#fff;display:flex;align-items:center;gap:9px;margin-bottom:9px}
.fbrand .mark{width:25px;height:25px;border-radius:8px;background:linear-gradient(135deg,var(--primary),var(--accent));display:grid;place-items:center}
.fbrand .mark svg{width:14px;height:14px}
.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(25,19,32,.55);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,.25)}
.mpanel .x{font-size:26px;cursor:pointer;float:right;color:var(--ink-soft);background:none;border:0}
.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)}

/* modal */
.modal{display:none;position:fixed;inset:0;z-index:120;background:rgba(25,19,32,.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:20px;box-shadow:0 30px 80px -20px rgba(0,0,0,.5);overflow:hidden;animation:rise .3s ease}
.mbox.sms{max-width:420px}
#termsModal .mbox{max-width:760px}
@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 h3{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;background:none;border:0}
.mclose:hover{color:var(--primary)}
.mbody{padding:22px 24px;max-height:60vh;overflow-y:auto}
.mbody.nopad{padding:0;max-height:none;overflow:hidden}
.terms-frame{width:100%;height:68vh;border:0;display:block;background:#fff}
.mfoot{display:flex;gap:10px;padding:16px 24px 22px;border-top:1px solid var(--line)}
.mbtn{flex:1;border:none;border-radius:11px;padding:14px;font-size:15px;font-weight:800;color:#fff;cursor:pointer;font-family:inherit;background:linear-gradient(120deg,var(--primary),var(--primary-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(--primary);color:var(--primary);transform:none}
.smsinfo{font-size:14.5px;color:var(--ink-soft);text-align:center;line-height:1.6;margin-bottom:18px}
.smsinfo b{color:var(--primary-deep)}
.demohint{font-size:12.5px;color:var(--primary-deep);background:#fff7ed;border:1px dashed #fed7aa;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:#b3a99c;font-size:12.5px;text-decoration:underline;text-underline-offset:2px;cursor:pointer;font-family:inherit;margin-top:12px}
.resend:hover{color:var(--primary)}
#smsModal .mbody{padding-bottom:22px}
#verifyCode{margin-top:6px}

/* ===== Responsive ===== */
@media(max-width:980px){
  .shell{grid-template-columns:1fr;gap:32px;padding:32px 0 10px}
  .shell .aside,.shell .content{grid-column:1;grid-row:auto}
  .shell .aside{order:-1}
  .aside .quote{position:static}
  nav ul,.nav .hbtn{display:none}
  .burger{display:flex}
}
@media(max-width:560px){
  .features,.cov,.stats{grid-template-columns:1fr}
  .modal{padding:10px}
  .mbody{max-height:78vh}
  .terms-frame{height:74vh}
}