/* =========================================================
   대출바로 — 공용 스타일시트
   토큰: 코럴(#FF6A45) / 네이비(#16233A) / 쿨그레이 배경(#F3F5F8)
   ========================================================= */

:root{
  --coral: #FF6A45;
  --coral-dark: #E5522F;
  --coral-soft: #FFE7DE;
  --navy: #16233A;
  --navy-soft: #3A4A63;
  --bg: #F3F5F8;
  --card: #FFFFFF;
  --line: #E3E7EE;
  --text: #1D2733;
  --text-mute: #5C6675;
  --radius-lg: 28px;
  --radius-md: 18px;
  --radius-sm: 10px;
  --shadow: 0 10px 30px rgba(22,35,58,0.07);
  --max: 1120px;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:'Pretendard', -apple-system, BlinkMacSystemFont, 'Malgun Gothic', sans-serif;
  background:var(--bg);
  color:var(--text);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%; display:block;}
a{color:inherit; text-decoration:none;}
ul{margin:0; padding:0; list-style:none;}
h1,h2,h3,h4{margin:0; font-weight:800; letter-spacing:-0.02em; color:var(--navy);}
p{margin:0;}
.wrap{max-width:var(--max); margin:0 auto; padding:0 24px;}
:focus-visible{outline:3px solid var(--coral); outline-offset:2px;}

/* skip link */
.skip-link{position:absolute; left:-999px; top:0; background:var(--navy); color:#fff; padding:10px 16px; border-radius:0 0 8px 0; z-index:200;}
.skip-link:focus{left:0;}

/* header */
.site-header{
  position:sticky; top:0; z-index:100;
  background:rgba(243,245,248,0.9); backdrop-filter:blur(8px);
  border-bottom:1px solid var(--line);
}
.site-header .wrap{display:flex; align-items:center; justify-content:space-between; padding-top:14px; padding-bottom:14px;}
.brand img{height:34px; width:auto;}
.gnb{display:flex; gap:28px;}
.gnb a{font-weight:600; font-size:15px; color:var(--navy-soft); padding:6px 2px; border-bottom:2px solid transparent; transition:color .15s, border-color .15s;}
.gnb a:hover, .gnb a[aria-current="page"]{color:var(--coral); border-color:var(--coral);}
.nav-toggle{display:none; background:none; border:none; padding:6px;}
.nav-toggle svg{width:26px; height:26px;}

.btn{
  display:inline-flex; align-items:center; gap:8px;
  background:var(--coral); color:#fff; font-weight:700; font-size:15px;
  padding:12px 22px; border-radius:999px; border:none; cursor:pointer;
  box-shadow:0 8px 20px rgba(255,106,69,0.28);
  transition:transform .15s ease, box-shadow .15s ease, background .15s ease;
}
.btn:hover{background:var(--coral-dark); transform:translateY(-1px); box-shadow:0 10px 24px rgba(229,82,47,0.32);}
.btn.ghost{background:transparent; color:var(--navy); box-shadow:none; border:1.5px solid var(--line);}
.btn.ghost:hover{border-color:var(--coral); color:var(--coral); background:var(--coral-soft);}

/* hero */
.hero{padding:76px 0 60px;}
.hero .wrap{display:grid; grid-template-columns:1.1fr 0.9fr; gap:48px; align-items:center;}
.eyebrow{display:inline-flex; align-items:center; gap:8px; font-size:13px; font-weight:700; color:var(--coral-dark); background:var(--coral-soft); padding:6px 14px; border-radius:999px; margin-bottom:18px;}
.hero h1{font-size:clamp(30px,4vw,46px); line-height:1.25;}
.hero h1 .accent{color:var(--coral); position:relative;}
.hero p.lead{margin-top:18px; font-size:17px; color:var(--text-mute); max-width:46ch;}
.hero .cta-row{display:flex; gap:12px; margin-top:30px; flex-wrap:wrap;}
.hero-card{
  background:var(--card); border-radius:var(--radius-lg); box-shadow:var(--shadow);
  padding:32px; position:relative; overflow:hidden;
}
.hero-card .smile{position:absolute; right:-30px; bottom:-30px; width:160px; opacity:.08;}
.hero-card h3{font-size:16px; margin-bottom:14px;}
.checklist li{display:flex; gap:10px; padding:9px 0; border-bottom:1px dashed var(--line); font-size:14.5px; color:var(--navy-soft);}
.checklist li:last-child{border-bottom:none;}
.checklist svg{flex:none; width:18px; height:18px; color:var(--coral); margin-top:2px;}

/* notice bar */
.notice-bar{background:var(--navy); color:#cfd8e6; font-size:13px; padding:10px 0;}
.notice-bar .wrap{display:flex; gap:8px; align-items:center;}
.notice-bar strong{color:#fff;}

/* sections */
section{padding:64px 0;}
.section-head{max-width:640px; margin-bottom:36px;}
.section-head .eyebrow{margin-bottom:14px;}
.section-head h2{font-size:clamp(24px,3vw,32px);}
.section-head p{margin-top:12px; color:var(--text-mute); font-size:15.5px;}

.grid-3{display:grid; grid-template-columns:repeat(3,1fr); gap:22px;}
.grid-2{display:grid; grid-template-columns:repeat(2,1fr); gap:22px;}

.card{background:var(--card); border-radius:var(--radius-md); padding:28px; box-shadow:var(--shadow); border:1px solid var(--line);}
.card .tag{display:inline-block; font-size:12px; font-weight:700; color:var(--coral-dark); background:var(--coral-soft); padding:4px 10px; border-radius:999px; margin-bottom:14px;}
.card h3{font-size:18px; margin-bottom:8px;}
.card p{color:var(--text-mute); font-size:14.5px;}

.steps{counter-reset:step;}
.step{display:flex; gap:20px; padding:22px 0; border-bottom:1px solid var(--line);}
.step:last-child{border-bottom:none;}
.step-num{flex:none; width:44px; height:44px; border-radius:50%; background:var(--navy); color:#fff; display:flex; align-items:center; justify-content:center; font-weight:800;}
.step h3{font-size:16.5px; margin-bottom:6px;}
.step p{color:var(--text-mute); font-size:14.5px;}

.faq details{background:var(--card); border:1px solid var(--line); border-radius:var(--radius-sm); padding:18px 20px; margin-bottom:12px;}
.faq summary{cursor:pointer; font-weight:700; color:var(--navy); list-style:none; display:flex; justify-content:space-between; align-items:center; gap:12px;}
.faq summary::-webkit-details-marker{display:none;}
.faq summary::after{content:'+'; font-size:20px; color:var(--coral); flex:none;}
.faq details[open] summary::after{content:'–';}
.faq p{margin-top:12px; color:var(--text-mute); font-size:14.5px;}

.cta-band{background:var(--navy); border-radius:var(--radius-lg); padding:48px; color:#fff; display:flex; justify-content:space-between; align-items:center; gap:24px; flex-wrap:wrap;}
.cta-band h2{color:#fff; font-size:26px;}
.cta-band p{color:#B9C3D4; margin-top:8px;}

/* board */
.board-list{background:var(--card); border-radius:var(--radius-md); border:1px solid var(--line); overflow:hidden;}
.board-row{display:grid; grid-template-columns:90px 1fr 120px 100px; gap:12px; align-items:center; padding:16px 22px; border-bottom:1px solid var(--line); font-size:14.5px;}
.board-row.head{background:#F8F9FB; font-weight:700; color:var(--navy-soft); font-size:13px;}
.board-row:last-child{border-bottom:none;}
.board-row .cat{color:var(--coral-dark); font-weight:700; font-size:12.5px;}
.board-row a{font-weight:600; color:var(--navy);}
.board-row a:hover{color:var(--coral);}
.board-row .date, .board-row .num{color:var(--text-mute); font-size:13px;}

.post-head{border-bottom:1px solid var(--line); padding-bottom:24px; margin-bottom:28px;}
.post-head .cat{color:var(--coral-dark); font-weight:700; font-size:13px;}
.post-head h1{font-size:26px; margin-top:10px;}
.post-meta{margin-top:12px; color:var(--text-mute); font-size:13.5px; display:flex; gap:14px;}
.post-body{font-size:15.5px; color:#333f4d;}
.post-body h3{font-size:17px; margin:26px 0 10px; color:var(--navy);}
.post-body p{margin-bottom:14px; color:#3c4756;}
.post-body ul{margin:12px 0 18px; padding-left:20px; list-style:disc;}
.post-body li{margin-bottom:6px; color:#3c4756;}
.disclaimer-box{background:#FFF6F2; border:1px solid #FFD9C7; border-radius:var(--radius-sm); padding:18px 20px; font-size:13.5px; color:#8A4B2E; margin-top:26px;}

/* breadcrumb */
.breadcrumb{font-size:13px; color:var(--text-mute); margin-bottom:20px;}
.breadcrumb a{color:var(--text-mute); text-decoration:underline;}
.breadcrumb a:hover{color:var(--coral);}

/* form */
.form-grid{display:grid; gap:16px; max-width:560px;}
label{font-size:14px; font-weight:700; color:var(--navy); margin-bottom:6px; display:block;}
input, textarea, select{
  width:100%; padding:12px 14px; border:1.5px solid var(--line); border-radius:var(--radius-sm);
  font-family:inherit; font-size:14.5px; background:#fff; color:var(--text);
}
input:focus, textarea:focus, select:focus{border-color:var(--coral);}
.field{margin-bottom:2px;}
.form-note{font-size:13px; color:var(--text-mute); margin-top:6px;}

/* footer */
.site-footer{background:#0F1826; color:#9AA7BC; padding:52px 0 34px; margin-top:40px;}
.footer-top{display:flex; justify-content:space-between; gap:40px; flex-wrap:wrap; padding-bottom:28px; border-bottom:1px solid rgba(255,255,255,0.08);}
.footer-brand img{height:26px; filter:brightness(0) invert(1); opacity:.92; margin-bottom:12px;}
.footer-brand p{font-size:13px; max-width:340px; color:#7F8DA3;}
.footer-nav{display:flex; gap:40px; flex-wrap:wrap;}
.footer-nav h4{color:#fff; font-size:13px; margin-bottom:12px;}
.footer-nav a{display:block; font-size:13.5px; color:#9AA7BC; padding:4px 0;}
.footer-nav a:hover{color:var(--coral);}
.footer-legal{padding-top:24px; font-size:12.5px; line-height:2; color:#7F8DA3;}
.footer-legal b{color:#B9C3D4;}
.footer-legal .sep{margin:0 8px; color:#3A4A63;}
.footer-copy{margin-top:14px; font-size:12px; color:#5C6675;}

@media(max-width:860px){
  .hero .wrap{grid-template-columns:1fr;}
  .grid-3, .grid-2{grid-template-columns:1fr;}
  .gnb{position:fixed; inset:64px 0 0 0; background:var(--bg); flex-direction:column; padding:24px; gap:6px; transform:translateX(100%); transition:transform .2s ease;}
  .gnb.open{transform:translateX(0);}
  .gnb a{padding:14px 6px; border-bottom:1px solid var(--line);}
  .nav-toggle{display:block;}
  .board-row{grid-template-columns:1fr; gap:4px;}
  .board-row.head{display:none;}
  .cta-band{flex-direction:column; text-align:center;}
}