* {
  box-sizing: border-box;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
}

:root {
  /* 히어로·섹션과 동일한 본문 컬럼 (768px 이상에서 적용) */
  --content-max: 960px;
  --content-gutter: 16px;
}

body {
  margin: 0;
  background: #f3f5fa;
  color: #0f172a;
}

.site-header {
  background: #fff;
  border-bottom: 1px solid #e8ecf1;
  padding: 12px 0;
}

.site-header__inner {
  max-width: var(--content-max);
  margin: 0 auto;
  padding: 0 var(--content-gutter);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}

.site-header__inner--logo-only {
  justify-content: center;
}

.brand-logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  color: #1b4332;
}

.brand-logo__pv {
  flex-shrink: 0;
  height: 48px;
  width: auto;
  max-width: 52px;
  object-fit: contain;
  object-position: center;
}

.brand-logo__wordmark {
  font-family: Georgia, "Times New Roman", Times, serif;
  font-size: clamp(1.1rem, 3.6vw, 1.42rem);
  font-weight: 600;
  letter-spacing: 0.12em;
  color: #0f172a;
  line-height: 1;
  white-space: nowrap;
}

.header-cta-ghost {
  flex-shrink: 0;
  display: inline-block;
  padding: 8px 16px;
  border: 1px solid #d1d5db;
  border-radius: 8px;
  background: transparent;
  color: #374151;
  font-size: 0.9rem;
  font-weight: 600;
  text-decoration: none;
  transition:
    border-color 0.15s ease,
    background 0.15s ease,
    color 0.15s ease;
}

.header-cta-ghost:hover {
  border-color: #9ca3af;
  background: #f9fafb;
  color: #111827;
}

@media (max-width: 380px) {
  .brand-logo__pv {
    height: 40px;
    max-width: 44px;
  }

  .brand-logo__wordmark {
    letter-spacing: 0.08em;
    font-size: 1rem;
  }

  .header-cta-ghost {
    padding: 7px 12px;
    font-size: 0.82rem;
  }
}

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

section {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 14px;
  padding: 18px;
  margin: 16px;
}

form {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 12px;
}

.consult-form {
  display: flex;
  flex-direction: column;
  gap: 22px;
  margin-top: 12px;
  margin-bottom: 0;
}

.field-group {
  width: 100%;
}

.field-group--text input,
.field-group--text select {
  width: 100%;
  max-width: 100%;
  background: #fff;
}

.field-label {
  display: block;
  font-weight: 600;
  font-size: 0.95rem;
  color: #0f172a;
  margin-bottom: 10px;
}

.choice-chips {
  display: grid;
  gap: 10px;
  width: 100%;
}

.choice-chips--2 {
  grid-template-columns: repeat(2, 1fr);
}

.choice-chips--age {
  grid-template-columns: repeat(3, 1fr);
}

.choice-chips--check {
  grid-template-columns: repeat(2, 1fr);
}

.choice-chips--insured {
  grid-template-columns: 1fr;
}

@media (min-width: 420px) {
  .choice-chips--insured {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (min-width: 520px) {
  .choice-chips--check {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 359px) {
  .choice-chips--age {
    grid-template-columns: repeat(2, 1fr);
  }
}

.chip {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 10px 12px;
  margin: 0;
  border: 2px solid #e2e8f0;
  border-radius: 12px;
  background: #fff;
  cursor: pointer;
  font-size: 0.9rem;
  color: #334155;
  transition:
    border-color 0.15s ease,
    background 0.15s ease,
    box-shadow 0.15s ease;
  text-align: center;
  line-height: 1.3;
}

.chip:hover {
  border-color: #94a3b8;
  background: #f8fafc;
}

.chip input {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
  margin: 0;
}

.chip:has(input:focus-visible) {
  outline: 2px solid #0b2b7a;
  outline-offset: 2px;
}

.chip:has(input:checked) {
  border-color: #0b2b7a;
  background: #eff6ff;
  color: #0b2b7a;
  font-weight: 600;
  box-shadow: inset 0 0 0 1px #0b2b7a;
}

.chip span {
  pointer-events: none;
}

.consult-form > button[type="submit"] {
  width: 100%;
  margin-top: 4px;
  padding: 14px 16px;
  font-size: 1rem;
  font-weight: 600;
  border-radius: 12px;
}

input,
select,
button {
  padding: 8px 10px;
  border: 1px solid #cbd5e1;
  border-radius: 8px;
}

button {
  background: #0b2b7a;
  color: #fff;
  border: none;
  cursor: pointer;
}

.inline {
  margin: 0;
}

.login-card {
  max-width: 420px;
  margin: 120px auto;
}

.error {
  color: #dc2626;
  margin: 8px 0;
}

.success {
  color: #166534;
  background: #dcfce7;
  border: 1px solid #86efac;
  border-radius: 8px;
  padding: 8px 10px;
  margin: 8px 0 12px;
}

.hero {
  margin: 0;
  border-radius: 0;
  border: none;
  background: linear-gradient(180deg, #0a2f87 0%, #071a4b 100%);
  color: #fff;
  padding: 20px var(--content-gutter) 28px;
}

.hero h1 {
  font-size: 34px;
  line-height: 1.2;
  margin: 8px 0 12px;
}

.hero h1 span {
  color: #ffd43b;
}

.hero-sub {
  margin: 0 0 18px;
  color: #dbeafe;
}

.badge {
  display: inline-block;
  padding: 6px 10px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.14);
  font-size: 12px;
}

.sub-badge {
  color: #facc15;
  font-size: 13px;
  font-weight: 700;
}

.cta {
  display: inline-block;
  text-decoration: none;
  background: #ffb703;
  color: #111827;
  font-weight: 700;
  border-radius: 10px;
  padding: 10px 14px;
}

.cta-group {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.feature-grid {
  display: block;
}

.feature {
  background: #fff;
  border: 1px solid #dbeafe;
  border-radius: 10px;
  padding: 12px;
}

.feature h3 {
  margin: 0 0 6px;
  color: #0b2b7a;
}

.feature p {
  margin: 0;
  color: #334155;
}

.consult {
  background: #fff7e6;
  border: 1px solid #fcd34d;
}

.consult h2 {
  margin-top: 0;
}

.check-list {
  background: #fff;
  border-radius: 10px;
  border: 1px dashed #f59e0b;
  padding: 10px 12px;
  margin: 12px 0;
}

.check-list p {
  margin: 0 0 6px;
  font-weight: 600;
}

.check-list ul {
  margin: 0;
  padding-left: 18px;
}

.recommend-list {
  margin: 0;
  padding-left: 18px;
  line-height: 1.8;
}

.flow {
  display: grid;
  grid-template-columns: 1fr;
  gap: 10px;
}

.agreement-privacy {
  margin-top: 8px;
}

.agreement-headline {
  display: flex;
  align-items: flex-start;
  gap: 10px;
}

.agreement-headline__cb {
  width: 18px;
  height: 18px;
  margin: 2px 0 0;
  flex-shrink: 0;
  cursor: pointer;
}

.agreement-line-wrap {
  flex: 1;
  min-width: 0;
  line-height: 1.55;
}

.agreement-text-label {
  display: inline;
  cursor: pointer;
  font-weight: 500;
  color: #0f172a;
  word-break: keep-all;
}

.agreement-text-label--optional {
  font-weight: 500;
  color: #475569;
}

.agreement-details--inline {
  display: inline-block;
  vertical-align: baseline;
  margin: 0;
}

.agreement-details--inline .agreement-details__summary {
  display: inline;
  margin-left: 0.25em;
  cursor: pointer;
  list-style: none;
  font-weight: 600;
  font-size: inherit;
  color: #1d4ed8;
  text-decoration: underline;
  user-select: none;
}

.agreement-details--inline .agreement-details__summary::-webkit-details-marker {
  display: none;
}

.agreement-details--inline .agreement-details__summary::marker {
  content: "";
}

.agreement-details--inline[open] {
  display: block;
  width: 100%;
}

.agreement-details--inline[open] .agreement-details__summary {
  margin-bottom: 0;
}

.agreement-details--inline[open] .agreement-scroll {
  margin-top: 10px;
}

.agreement-scroll {
  max-height: 240px;
  overflow-y: auto;
  padding: 14px 16px;
  margin: 0;
  border: 1px solid #e2e8f0;
  border-radius: 10px;
  background: #f8fafc;
  font-size: 0.875rem;
  line-height: 1.65;
  color: #334155;
}

.agreement-scroll__lead {
  margin: 0 0 12px;
}

.site-footer {
  margin-top: 20px;
  padding: 14px 20px 20px;
  border-top: 1px solid #e2e8f0;
  background: #f8fafc;
}

.site-footer__inner {
  max-width: var(--content-max);
  margin: 0 auto;
}

.site-footer__inner > .terms-details + .terms-details {
  margin-top: 10px;
}

.terms-details {
  font-size: 0.75rem;
  line-height: 1.6;
  color: #475569;
}

.terms-details__summary {
  display: list-item;
  cursor: pointer;
  list-style-position: outside;
  margin-left: 1rem;
  font-weight: 500;
  color: #64748b;
}

.terms-details__summary:hover {
  color: #334155;
}

.terms-details__body {
  margin-top: 10px;
  padding: 12px 14px;
  max-height: min(420px, 55vh);
  overflow-y: auto;
  border: 1px solid #e2e8f0;
  border-radius: 8px;
  background: #fff;
  color: #334155;
}

.terms-details__body ul {
  margin: 0 0 10px;
  padding-left: 1.25rem;
}

.terms-details__body li {
  margin-bottom: 4px;
}

.terms-article {
  margin: 0 0 14px;
}

.terms-article__heading {
  margin: 0 0 6px;
  font-size: 0.8125rem;
  font-weight: 600;
  color: #1e293b;
}

.terms-article p {
  margin: 0 0 6px;
}

.terms-article p:last-child {
  margin-bottom: 0;
}

.terms-effective {
  margin: 16px 0 0;
  padding-top: 12px;
  border-top: 1px solid #e2e8f0;
  font-size: 0.75rem;
  font-weight: 600;
  color: #475569;
}

.agreement-scroll p {
  margin: 0 0 10px;
}

.agreement-scroll p:last-child {
  margin-bottom: 0;
}

.agreement-scroll ul {
  margin: 0 0 12px;
  padding-left: 1.25rem;
}

.agreement-scroll li {
  margin-bottom: 4px;
}

.agreement-footnote {
  margin: 0 0 4px;
  font-size: 0.8125rem;
  line-height: 1.55;
  color: #64748b;
}

.check-item {
  width: 100%;
  display: flex;
  align-items: center;
  gap: 8px;
}

.check-item input {
  width: 16px;
  height: 16px;
}

.notice {
  font-size: 13px;
  color: #475569;
  line-height: 1.6;
}

.operator-link {
  margin: 8px 0 0;
  font-size: 13px;
}

.operator-link a {
  color: #0b2b7a;
}

.operator-list {
  display: grid;
  gap: 10px;
}

.operator-card {
  border: 1px solid #dbeafe;
  border-radius: 10px;
  padding: 12px;
  background: #f8fbff;
}

.operator-card p {
  margin: 6px 0;
}

@media (min-width: 768px) {
  .hero,
  section {
    max-width: var(--content-max);
    margin-left: auto;
    margin-right: auto;
  }

  .feature-grid {
    display: block;
  }

  .flow {
    grid-template-columns: 1fr 1fr 1fr;
  }
}