:root {
  --bg: #ffffff;
  --bg-soft: #f4f8ff;
  --bg-deep: #e8f1ff;
  --surface: #ffffff;
  --text: #0b1f3a;
  --muted: #52657c;
  --border: #dce7f5;
  --primary: #1769e0;
  --primary-dark: #0f4ea8;
  --teal: #0f9f9a;
  --warning-bg: #eef6ff;
  --shadow: 0 18px 42px rgba(16, 71, 125, 0.1);
  --shadow-soft: 0 10px 26px rgba(16, 71, 125, 0.07);
  --radius: 8px;
  --sticky-height: 76px;
  font-family:
    "Pretendard", -apple-system, BlinkMacSystemFont, system-ui, Roboto, "Helvetica Neue",
    "Segoe UI", "Apple SD Gothic Neo", "Noto Sans KR", "Malgun Gothic", sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--text);
  background: #ffffff;
  padding-bottom: var(--sticky-height);
  word-break: keep-all;
  overflow-wrap: break-word;
  line-break: strict;
  text-rendering: optimizeLegibility;
}

h1,
h2,
h3,
summary {
  text-wrap: balance;
}

p,
.hero-subhead,
.section-head p,
.notice,
.micro-notice,
.consult-copy p,
details p,
.sticky-cta p {
  text-wrap: pretty;
}

.nb {
  white-space: nowrap;
}

.br-sm,
.br-mobile {
  display: none;
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  display: block;
  max-width: 100%;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  min-height: 64px;
  padding: 10px clamp(18px, 5vw, 56px);
  background: rgba(255, 255, 255, 0.88);
  border-bottom: 1px solid rgba(220, 231, 245, 0.8);
  backdrop-filter: blur(16px);
}

.brand {
  display: inline-flex;
  align-items: center;
  color: var(--text);
  font-size: 18px;
  font-weight: 850;
  letter-spacing: 0;
  white-space: nowrap;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: clamp(14px, 2vw, 28px);
  color: #40536c;
  font-size: 14px;
  font-weight: 700;
}

.nav-links a {
  position: relative;
  padding: 8px 0;
}

.nav-links a::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 1px;
  height: 2px;
  background: var(--primary);
  border-radius: 99px;
  opacity: 0;
  transform: scaleX(0.6);
  transition:
    opacity 180ms ease,
    transform 180ms ease;
}

.nav-links a:hover::after {
  opacity: 1;
  transform: scaleX(1);
}

.header-cta,
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0 20px;
  border: 1px solid transparent;
  border-radius: var(--radius);
  font-size: 15px;
  font-weight: 800;
  cursor: pointer;
  transition:
    transform 180ms ease,
    box-shadow 180ms ease,
    background 180ms ease;
}

.header-cta,
.btn-primary {
  color: white;
  background: linear-gradient(135deg, #1769e0, #0f5fca);
  box-shadow: 0 12px 24px rgba(23, 105, 224, 0.24);
}

.btn-secondary {
  color: var(--primary-dark);
  background: white;
  border-color: #b9d2f5;
  box-shadow: var(--shadow-soft);
}

.header-cta:hover,
.btn:hover {
  transform: translateY(-1px);
}

.section {
  padding: 66px 0;
  scroll-margin-top: 78px;
}

.container {
  width: min(1160px, calc(100% - 40px));
  margin: 0 auto;
}

.hero {
  position: relative;
  overflow: hidden;
  min-height: clamp(560px, 78vh, 760px);
  display: flex;
  align-items: center;
  padding: 76px 0 86px;
  background: #0b1f3a;
}

.hero-media {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero-media .hero-video {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

.hero::before {
  display: none;
}

.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 1;
  background:
    linear-gradient(90deg, rgba(255, 255, 255, 0.98) 0%, rgba(255, 255, 255, 0.94) 34%, rgba(255, 255, 255, 0.72) 48%, rgba(255, 255, 255, 0.2) 68%, rgba(255, 255, 255, 0.02) 100%),
    linear-gradient(180deg, rgba(255, 255, 255, 0.18) 0%, rgba(255, 255, 255, 0) 42%, rgba(255, 255, 255, 0.55) 100%);
  pointer-events: none;
}

.hero-grid {
  position: relative;
  z-index: 2;
  display: block;
}

.hero-copy {
  width: min(680px, 100%);
  padding: 0;
}

.two-column,
.consult-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.02fr) minmax(340px, 0.98fr);
  gap: clamp(34px, 5vw, 76px);
  align-items: center;
}

.hero-visual,
.hero-mobile-visual,
.section-visual,
.terminal-visual,
.consult-visual {
  margin: 0;
}

.section-visual {
  overflow: hidden;
  border: 1px solid var(--border);
  border-radius: calc(var(--radius) + 2px);
  background: #ffffff;
  box-shadow: var(--shadow-soft);
}

.section-visual img {
  display: block;
  width: 100%;
  height: auto;
}

.admin-visual {
  margin: 0 auto 28px;
  max-width: 980px;
}

.manual-pay-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.02fr) minmax(280px, 0.98fr);
  gap: clamp(28px, 4vw, 56px);
  align-items: center;
}

.manual-pay-copy .checklist {
  margin-top: 22px;
}

.manual-pay-copy .notice.compact {
  margin-top: 18px;
}

.hero-mobile-visual {
  display: none;
}

.hero-eyebrow,
.hero-highlights {
  display: none;
}

.hero-mobile-visual img {
  display: block;
  width: 100%;
  height: auto;
  margin: 0 auto;
}

.hero .hero-disclaimer {
  max-width: 660px;
  margin-top: 24px;
  padding: 0;
  color: #50647d;
  background: transparent;
  border-color: transparent;
  backdrop-filter: none;
}

.hero h1,
.section h2 {
  margin: 0;
  color: var(--text);
  font-weight: 850;
  letter-spacing: -0.02em;
}

.hero h1 {
  max-width: 620px;
  font-size: clamp(38px, 4.3vw, 56px);
  line-height: 1.12;
}

.hero-subhead,
.section p {
  color: var(--muted);
  line-height: 1.75;
}

.hero-subhead {
  margin: 18px 0 0;
  max-width: 620px;
  font-size: 16px;
  line-height: 1.72;
}

.point-list,
.checklist,
.consult-notes {
  margin: 0;
  padding: 0;
  list-style: none;
}

.hero-points {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 0;
  margin-top: 24px;
  max-width: 720px;
  padding: 0;
  overflow: hidden;
  background: rgba(255, 255, 255, 0.9);
  border: 1px solid rgba(207, 224, 247, 0.92);
  border-radius: var(--radius);
  box-shadow: 0 16px 34px rgba(16, 71, 125, 0.09);
  backdrop-filter: blur(10px);
}

.compare-panel {
  display: grid;
  grid-template-columns: minmax(150px, 0.38fr) minmax(0, 0.62fr);
  grid-template-rows: auto auto;
  gap: 18px 18px;
  align-items: stretch;
}

.comparison-stack {
  display: contents;
}

.comparison-tables {
  grid-column: 2;
  grid-row: 1;
  display: grid;
  gap: 14px;
}

.compare-panel .micro-notice {
  grid-column: 2;
  grid-row: 2;
  margin: 0;
}

.terminal-visual {
  grid-column: 1;
  grid-row: 1;
  min-height: 0;
  margin: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}

.terminal-visual img {
  width: auto;
  max-width: 100%;
  height: 100%;
  object-fit: contain;
  transform: none;
  filter: none;
}

.point-list li,
.checklist li,
.consult-notes li {
  position: relative;
  padding-left: 30px;
  color: var(--text);
  line-height: 1.58;
}

.hero-points li {
  min-height: 104px;
  display: grid;
  align-content: center;
  justify-items: center;
  gap: 9px;
  padding: 18px 12px 14px;
  border-right: 1px solid #e1ebf7;
  font-size: 13px;
  font-weight: 800;
  line-height: 1.35;
  text-align: center;
}

.hero-points li:last-child {
  border-right: 0;
}

.point-list li::before,
.checklist li::before,
.consult-notes li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.46em;
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: #dbeafe;
}

.hero-points li::before {
  position: static;
  width: 28px;
  height: 28px;
  border: 1px solid #b8d3f7;
  background: linear-gradient(180deg, #ffffff, #eef6ff);
  border-radius: 7px;
}

.point-list li::after,
.checklist li::after,
.consult-notes li::after {
  content: "";
  position: absolute;
  left: 5px;
  top: calc(0.46em + 4px);
  width: 6px;
  height: 3px;
  border-left: 2px solid var(--primary);
  border-bottom: 2px solid var(--primary);
  transform: rotate(-45deg);
}

.hero-points li::after {
  left: calc(50% - 4px);
  top: 27px;
  width: 8px;
  height: 4px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 34px;
}

.hero-actions .btn {
  min-width: 0;
  width: 100%;
  max-width: 430px;
}

.hero-calculator {
  padding: clamp(20px, 3vw, 28px);
  background: rgba(255, 255, 255, 0.96);
  border: 1px solid var(--border);
  border-radius: calc(var(--radius) + 2px);
  box-shadow: var(--shadow);
  backdrop-filter: blur(12px);
}

.calc-title {
  margin: 0 0 18px;
  font-size: 18px;
  font-weight: 900;
  line-height: 1.3;
}

.calc-field {
  margin-bottom: 16px;
}

.calc-field label {
  display: block;
  margin-bottom: 8px;
  color: #273d57;
  font-size: 13px;
  font-weight: 800;
}

.calc-field-inline {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}

.calc-field-inline label {
  margin-bottom: 0;
  flex: 1;
}

.calc-input-row {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 12px;
  align-items: center;
}

.calc-slider {
  width: 100%;
  height: 6px;
  accent-color: var(--primary);
  cursor: pointer;
}

.calc-value {
  min-width: 72px;
  color: var(--primary-dark);
  font-size: 15px;
  font-weight: 900;
  text-align: right;
  white-space: nowrap;
}

.calc-rate-input {
  display: flex;
  align-items: center;
  gap: 4px;
}

.calc-rate {
  width: 72px;
  min-height: 42px;
  padding: 0 10px;
  text-align: right;
  font-weight: 800;
}

.calc-unit {
  color: var(--muted);
  font-size: 14px;
  font-weight: 800;
}

.calc-result {
  margin-top: 18px;
  padding: 18px;
  background: linear-gradient(135deg, #eef5ff, #f8fbff);
  border: 1px solid #cfe0f7;
  border-radius: var(--radius);
}

.calc-result-label {
  margin: 0;
  color: var(--muted);
  font-size: 13px;
  font-weight: 800;
}

.calc-result-amount {
  margin: 6px 0 14px;
  color: var(--primary-dark);
  font-size: clamp(28px, 4vw, 36px);
  font-weight: 900;
  line-height: 1.15;
  letter-spacing: -0.02em;
}

.calc-result-details {
  display: grid;
  gap: 8px;
  margin: 0;
}

.calc-result-details div {
  display: flex;
  justify-content: space-between;
  gap: 12px;
}

.calc-result-details dt {
  margin: 0;
  color: var(--muted);
  font-size: 13px;
  font-weight: 700;
}

.calc-result-details dd {
  margin: 0;
  color: var(--text);
  font-size: 14px;
  font-weight: 850;
}

.calc-disclaimer {
  margin: 14px 0 0;
}

.calc-cta {
  width: 100%;
  margin-top: 14px;
}

.calc-range-hint {
  display: none;
}

.calc-field-top {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 12px;
}

.calc-value-display {
  color: var(--primary-dark);
  font-size: clamp(22px, 3vw, 28px);
  font-weight: 900;
  letter-spacing: -0.02em;
  white-space: nowrap;
}

.calc-slider-group {
  display: grid;
  gap: 6px;
}

.calc-slider-bounds {
  display: flex;
  justify-content: space-between;
  color: #64748b;
  font-size: 12px;
  font-weight: 700;
}

.calc-rates {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto minmax(0, 1fr);
  gap: 12px;
  align-items: center;
  margin-top: 8px;
}

.calc-rate-box {
  display: grid;
  gap: 8px;
  padding: 16px;
  background: #f8fbff;
  border: 1px solid #d7e6f8;
  border-radius: var(--radius);
}

.calc-rate-box-highlight {
  background: #eef5ff;
  border-color: #b8d3f7;
}

.calc-rate-box label {
  margin: 0;
  color: #273d57;
  font-size: 13px;
  font-weight: 800;
}

.calc-rate-box .calc-rate-input {
  justify-content: flex-start;
}

.calc-rate-box .calc-rate {
  width: 100%;
  min-height: 48px;
  font-size: 20px;
}

.calc-rate-hint {
  color: #64748b;
  font-size: 11px;
  font-weight: 700;
}

.calc-rate-arrow {
  color: #8ea3bc;
  font-size: 20px;
  font-weight: 900;
}

.calc-field-row {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.fee-calculator {
  display: grid;
  gap: 20px;
}

.fee-calculator-card {
  overflow: hidden;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: calc(var(--radius) + 2px);
  box-shadow: var(--shadow);
}

.fee-calculator-inputs {
  padding: clamp(22px, 3vw, 32px);
  border-bottom: 1px solid var(--border);
}

.fee-calculator-result {
  padding: clamp(22px, 3vw, 32px);
  background: linear-gradient(180deg, #f7fbff 0%, #ffffff 100%);
}

.fee-result-summary {
  margin-bottom: 20px;
  padding: 20px 22px;
  text-align: center;
  background: linear-gradient(135deg, #e9f7ef, #f6fcf8);
  border: 1px solid #bfe4cd;
  border-radius: var(--radius);
}

.fee-result-summary-label {
  display: block;
  color: var(--muted);
  font-size: 14px;
  font-weight: 800;
}

.fee-result-summary-value {
  display: block;
  margin-top: 6px;
  color: #0a7c4c;
  font-size: clamp(30px, 4.5vw, 40px);
  font-weight: 900;
  line-height: 1.15;
  letter-spacing: -0.02em;
}

.fee-result-summary-sub {
  margin: 10px 0 0;
  color: #52657c;
  font-size: 13px;
  font-weight: 700;
}

.fee-result-card {
  padding: 0;
}

.fee-result-table {
  display: grid;
  overflow: hidden;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: #ffffff;
}

.fee-result-row {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr) minmax(0, 1fr);
}

.fee-result-header span {
  min-height: 46px;
  display: grid;
  place-items: center;
  padding: 10px 16px;
  color: var(--muted);
  background: #fbfdff;
  border-bottom: 1px solid #e5eef9;
  font-size: 13px;
  font-weight: 800;
  text-align: center;
}

.fee-result-row > span,
.fee-result-row > strong {
  min-height: 46px;
  display: grid;
  place-items: center;
  padding: 10px 16px;
  border-bottom: 1px solid #edf3fb;
  text-align: center;
  font-size: 15px;
}

.fee-result-row > span:first-child {
  color: var(--muted);
  background: #fbfdff;
  font-weight: 800;
}

.fee-result-row > span:not(:first-child),
.fee-result-row > strong {
  color: var(--text);
  font-weight: 850;
}

.fee-result-row:last-child > span,
.fee-result-row:last-child > strong {
  border-bottom: 0;
}

.van-pg-table-wrap {
  overflow-x: auto;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--surface);
  box-shadow: var(--shadow-soft);
}

.van-pg-table {
  width: 100%;
  min-width: 560px;
  border-collapse: collapse;
  font-size: 15px;
}

.van-pg-table th,
.van-pg-table td {
  padding: 16px 18px;
  border-bottom: 1px solid #e5eef9;
  text-align: left;
  line-height: 1.6;
  vertical-align: top;
}

.van-pg-table thead th {
  color: #273d57;
  background: #f3f8ff;
  font-weight: 900;
}

.van-pg-table tbody th {
  width: 22%;
  color: var(--text);
  background: #fbfdff;
  font-weight: 850;
}

.van-pg-table tbody td {
  color: #3f536c;
}

.van-pg-table thead th:nth-child(2) {
  color: var(--primary-dark);
  background: #eaf3ff;
  box-shadow: inset 0 3px 0 var(--primary);
}

.van-pg-table tbody td:nth-child(2) {
  color: #27415e;
  background: #f5faff;
  font-weight: 700;
}

.van-pg-table tr:last-child th,
.van-pg-table tr:last-child td {
  border-bottom: 0;
}

.process-steps {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.process-step {
  display: grid;
  gap: 14px;
  padding: 22px 18px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
}

.process-num {
  display: grid;
  place-items: center;
  width: 36px;
  height: 36px;
  color: white;
  background: linear-gradient(135deg, #1769e0, #0f5fca);
  border-radius: 50%;
  font-size: 15px;
  font-weight: 900;
}

.process-step h3 {
  margin: 0 0 8px;
  font-size: 16px;
  font-weight: 900;
  line-height: 1.35;
}

.process-step p {
  margin: 0;
  font-size: 14px;
  line-height: 1.62;
}

.target-cards {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.target-card {
  display: inline-flex;
  align-items: center;
  min-height: 46px;
  padding: 0 22px;
  color: var(--text);
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 999px;
  font-size: 15px;
  font-weight: 700;
}

.form-step-label {
  margin: 0 0 14px;
  color: var(--primary-dark);
  font-size: 14px;
  font-weight: 900;
}

.form-optional {
  margin-top: 18px;
  padding: 0;
  background: #f8fbff;
  border: 1px solid #d7e6f8;
  border-radius: var(--radius);
}

.form-optional summary {
  padding: 14px 16px;
  font-size: 14px;
  font-weight: 800;
}

.form-optional[open] .form-grid-optional {
  padding: 0 16px 16px;
}

.form-grid-optional {
  margin-top: 0;
}

.form-full {
  grid-column: 1 / -1;
}

textarea {
  width: 100%;
  min-height: 96px;
  padding: 12px 14px;
  color: var(--text);
  background: #fbfdff;
  border: 1px solid #cad8ea;
  border-radius: var(--radius);
  font: inherit;
  font-size: 15px;
  line-height: 1.55;
  resize: vertical;
  outline: none;
}

textarea:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(23, 105, 224, 0.14);
}

.consent-toggle {
  padding: 0;
  color: var(--primary);
  background: none;
  border: 0;
  font: inherit;
  font-size: 13px;
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 2px;
  cursor: pointer;
}

.privacy-inline {
  margin-top: 10px;
  padding: 12px 14px;
  color: #50647d;
  background: #f4f8ff;
  border: 1px solid #d7e6f8;
  border-radius: var(--radius);
  font-size: 13px;
  line-height: 1.62;
}

.privacy-inline p {
  margin: 0;
}

.form-time-estimate {
  margin: 14px 0 0;
  color: #64748b;
  font-size: 13px;
  font-weight: 700;
  text-align: center;
}

.footer-legal-links {
  margin-top: 16px !important;
}

.footer-legal-links a {
  color: #b8c7de;
  font-weight: 800;
  text-decoration: underline;
  text-underline-offset: 3px;
}

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

.process,
.targets,
.van-pg {
  background: #ffffff;
}

.notice,
.micro-notice {
  border: 1px solid #cfe0f7;
  background: var(--warning-bg);
  color: #35516f;
  border-radius: var(--radius);
}

.notice {
  margin: 18px 0 0;
  padding: 14px 16px;
  font-size: 14px;
  line-height: 1.62;
}

.hero .notice {
  max-width: 660px;
  margin-top: 24px;
  padding: 0;
  color: #50647d;
  background: transparent;
  border-color: transparent;
  backdrop-filter: none;
}

.notice.compact {
  max-width: 820px;
}

.targets .notice.compact {
  max-width: none;
  margin-top: 16px;
}

.problem,
.admin,
.consult {
  background: linear-gradient(180deg, #f8f8f6 0%, #f2f3f1 100%);
}

.problem .two-column {
  grid-template-columns: minmax(0, 0.78fr) minmax(620px, 1.22fr);
}

.problem .checklist li {
  white-space: nowrap;
}

.section h2 {
  font-size: clamp(28px, 3vw, 40px);
  line-height: 1.18;
}

.section-head {
  max-width: 830px;
  margin-bottom: 30px;
}

.section-head p {
  margin: 18px 0 0;
  font-size: 17px;
  max-width: 780px;
}

.checklist {
  display: grid;
  gap: 14px;
  padding: 28px;
  background: rgba(255, 255, 255, 0.88);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
}

.checklist.blue {
  background: #f7fbff;
}

.comparison-grid,
.comparison-tables {
  display: grid;
  gap: 14px;
}

.compare-layout {
  display: grid;
  grid-template-columns: minmax(280px, 0.82fr) minmax(560px, 1.18fr);
  gap: clamp(30px, 5vw, 72px);
  align-items: center;
}

.compare .section-head {
  margin-bottom: 0;
}

.compare .section-head .btn {
  margin-top: 22px;
}

.comparison-card,
details,
.lead-form {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
}

.comparison-card {
  position: relative;
  overflow: hidden;
  padding: 0;
}

.comparison-card::before {
  display: none;
}

.comparison-card h3 {
  margin: 0;
  padding: 12px 16px;
  color: #183351;
  background: #f3f8ff;
  border-bottom: 1px solid var(--border);
  font-size: 15px;
  font-weight: 900;
}

.comparison-table {
  display: grid;
}

.comparison-table div {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.3fr) minmax(0, 0.75fr);
}

.comparison-table span,
.comparison-table strong {
  min-height: 46px;
  display: grid;
  place-items: center;
  padding: 10px 16px;
  border-right: 1px solid #e5eef9;
  text-align: center;
  box-sizing: border-box;
}

.comparison-table span:last-child,
.comparison-table strong:last-child {
  border-right: 0;
}

.comparison-table span {
  color: var(--muted);
  background: #fbfdff;
  font-size: 13px;
  font-weight: 800;
}

.comparison-table strong {
  color: var(--text);
  border-top: 1px solid #edf3fb;
  font-size: clamp(14px, 1.15vw, 16px);
  font-weight: 850;
  white-space: nowrap;
  letter-spacing: -0.02em;
}

.micro-notice {
  margin: 18px 0 0;
  padding: 10px 12px;
  font-size: 13px;
}

.inline-cta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
  margin-top: 24px;
  padding: 22px 24px;
  border-radius: var(--radius);
  background:
    linear-gradient(135deg, #e8f1ff, #f5faff);
  border: 1px solid #cfe0f7;
}

.inline-cta p {
  margin: 0;
}

.feature-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  overflow: hidden;
  gap: 0;
  border: 1px solid #cfe0f7;
  border-radius: var(--radius);
  background: #ffffff;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.75);
}

.admin .section-head {
  max-width: 900px;
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.admin .section-head p {
  margin-left: auto;
  margin-right: auto;
  text-wrap: balance;
}

.feature-card {
  position: relative;
  min-height: 108px;
  display: grid;
  align-content: center;
  justify-items: center;
  gap: 10px;
  padding: 18px 12px;
  color: var(--text);
  background: transparent;
  border-right: 1px solid rgba(207, 224, 247, 0.95);
  font-weight: 800;
  line-height: 1.45;
  text-align: center;
}

.feature-card svg {
  width: 34px;
  height: 34px;
  padding: 7px;
  color: var(--primary);
  background: #eef6ff;
  border: 1px solid #b8d3f7;
  border-radius: 7px;
}

.feature-card:last-child {
  border-right: 0;
}

.consult-grid {
  align-items: start;
  grid-template-columns: minmax(280px, 0.58fr) minmax(620px, 1.42fr);
}

.consult-copy {
  position: sticky;
  top: 104px;
}

.consult-copy p {
  font-size: 17px;
}

.consult-notes {
  display: grid;
  gap: 12px;
  margin-top: 24px;
}

.consult-phone {
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 15px;
}

.consult-phone a {
  margin-left: 6px;
  color: var(--primary-dark);
  font-weight: 800;
  font-variant-numeric: tabular-nums;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.consult-phone a:hover {
  color: var(--primary);
}

.footer-tel {
  color: #b8c7de;
  font-weight: 800;
  font-variant-numeric: tabular-nums;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.footer-tel:hover {
  color: #ffffff;
}

.lead-form {
  padding: clamp(22px, 3vw, 34px);
  box-shadow: var(--shadow);
}

.form-required-note {
  margin: 0 0 16px;
  color: #64748b;
  font-size: 13px;
  font-weight: 700;
  line-height: 1.5;
}

.field-required-mark,
.is-required .field-label::after {
  color: #dc3545;
  font-weight: 900;
}

.is-required .field-label::after {
  content: " *";
}

.field-label {
  display: inline;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

label {
  display: grid;
  gap: 8px;
  color: #273d57;
  font-size: 14px;
  font-weight: 800;
}

.hp-field {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

input,
select {
  width: 100%;
  min-height: 50px;
  padding: 0 14px;
  color: var(--text);
  background: #fbfdff;
  border: 1px solid #cad8ea;
  border-radius: var(--radius);
  font: inherit;
  font-size: 15px;
  outline: none;
}

input:focus,
select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(23, 105, 224, 0.14);
}

.consent {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 20px;
  padding: 0;
  color: var(--text);
  background: transparent;
  border: 0;
  border-radius: 0;
  font-weight: 600;
  line-height: 1.5;
}

.consent-text {
  display: inline-flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 6px;
  font-size: 14px;
}

.consent-link {
  color: var(--primary);
  font-size: 14px;
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.consent-link:hover {
  color: var(--primary-dark);
}

.consent.is-required .field-label::after {
  content: " *";
}

.consent input {
  flex: 0 0 auto;
  width: 18px;
  height: 18px;
  min-height: 18px;
  margin: 0;
  accent-color: var(--primary);
}

.legal-bar {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid var(--border);
  backdrop-filter: blur(10px);
}

.legal-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  min-height: 64px;
}

.legal-back {
  color: var(--primary);
  font-size: 14px;
  font-weight: 700;
  white-space: nowrap;
}

.legal-page {
  padding: 40px 0 80px;
}

.legal {
  max-width: 820px;
  margin: 0 auto;
  color: var(--text);
}

.legal h1 {
  margin: 0 0 8px;
  font-size: clamp(28px, 4vw, 36px);
  font-weight: 850;
  line-height: 1.2;
}

.legal-date {
  margin: 0 0 24px;
  color: var(--muted);
  font-size: 14px;
}

.legal h2 {
  margin: 32px 0 12px;
  font-size: 18px;
  font-weight: 850;
  line-height: 1.35;
}

.legal p,
.legal li {
  color: #3f536c;
  font-size: 15px;
  line-height: 1.75;
}

.legal ul {
  margin: 0;
  padding-left: 20px;
}

.legal-table {
  width: 100%;
  margin-top: 10px;
  border-collapse: collapse;
  font-size: 14px;
}

.legal-table th,
.legal-table td {
  padding: 12px 14px;
  border: 1px solid var(--border);
  text-align: left;
  vertical-align: top;
  line-height: 1.6;
}

.legal-table th {
  width: 28%;
  color: #273d57;
  background: #f7fbff;
  font-weight: 800;
}

.legal-table td {
  color: #3f536c;
  background: #ffffff;
}

.form-submit {
  width: 100%;
  margin-top: 18px;
}

.form-submit[disabled] {
  cursor: wait;
  opacity: 0.72;
  transform: none;
}

.form-status {
  min-height: 24px;
  margin: 12px 0 0;
  color: var(--primary-dark);
  font-weight: 800;
  line-height: 1.5;
}

.faq-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  align-items: start;
}

details {
  padding: 0 22px;
  transition:
    border-color 180ms ease,
    box-shadow 180ms ease;
}

details:hover {
  border-color: #c5d9f4;
  box-shadow: 0 12px 28px rgba(16, 71, 125, 0.09);
}

summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 0;
  color: var(--text);
  font-size: 17px;
  font-weight: 850;
  cursor: pointer;
}

summary::after {
  content: "+";
  color: var(--primary);
  font-size: 24px;
  line-height: 1;
}

details[open] summary::after {
  content: "-";
}

details p {
  margin: 0;
  padding: 0 0 20px;
}

.site-footer {
  padding: 58px 0 74px;
  background: #0b101a;
  border-top: 1px solid #131b2a;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.45fr 1fr 1.1fr 1.1fr;
  gap: clamp(28px, 5vw, 72px);
}

.footer-brand strong {
  display: block;
  color: #f8fbff;
  font-size: 22px;
  font-weight: 900;
  letter-spacing: 0;
}

.footer-brand p,
.footer-column p {
  margin: 0;
  color: #8e99ad;
  font-size: 15px;
  line-height: 1.75;
}

.footer-brand p {
  max-width: 370px;
  margin-top: 24px;
}

.footer-column h2 {
  margin: 0 0 24px;
  color: #6f7a92;
  font-size: 14px;
  font-weight: 900;
  letter-spacing: 0.22em;
}

.footer-column p + p {
  margin-top: 10px;
}

.sticky-cta {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 30;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 20px;
  min-height: var(--sticky-height);
  padding: 12px 18px;
  background: rgba(11, 31, 58, 0.94);
  color: white;
  box-shadow: 0 -16px 36px rgba(11, 31, 58, 0.2);
  backdrop-filter: blur(14px);
}

.sticky-cta p {
  margin: 0;
  font-size: 16px;
  font-weight: 800;
}

.sticky-cta .btn {
  min-height: 44px;
  white-space: nowrap;
}

.sticky-cta-actions {
  display: flex;
  align-items: center;
  gap: 10px;
}

.btn-tel {
  color: #ffffff;
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(255, 255, 255, 0.38);
  font-variant-numeric: tabular-nums;
}

.btn-tel:hover {
  background: rgba(255, 255, 255, 0.18);
}

.btn-tel svg {
  width: 15px;
  height: 15px;
  margin-right: 7px;
  flex: 0 0 auto;
}

.btn-tel .tel-num {
  margin-left: 5px;
}

@media (max-width: 980px) {
  .nav-links {
    display: none;
  }

  .hero-grid,
  .two-column,
  .consult-grid,
  .reverse {
    grid-template-columns: 1fr;
  }

  .br-sm {
    display: inline;
  }

  .process-steps {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .faq-list {
    grid-template-columns: 1fr;
  }

  .calc-rates {
    grid-template-columns: 1fr;
    gap: 10px;
  }

  .calc-rate-arrow {
    display: none;
  }

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

  .hero {
    min-height: clamp(480px, 68vh, 620px);
    align-items: flex-end;
    padding: 48px 0 56px;
  }

  .hero::after {
    background:
      linear-gradient(180deg, rgba(255, 255, 255, 0.08) 0%, rgba(255, 255, 255, 0.42) 38%, rgba(255, 255, 255, 0.96) 72%, #ffffff 100%);
  }

  .compare-layout {
    grid-template-columns: 1fr;
  }

  .compare-panel {
    grid-template-columns: 1fr;
    grid-template-rows: auto auto auto;
  }

  .terminal-visual {
    grid-column: 1;
    grid-row: 1;
    min-height: 280px;
  }

  .comparison-tables {
    grid-column: 1;
    grid-row: 2;
  }

  .compare-panel .micro-notice {
    grid-column: 1;
    grid-row: 3;
  }

  .manual-pay-layout {
    grid-template-columns: 1fr;
  }

  .manual-pay-visual {
    order: -1;
  }

  .problem .two-column {
    grid-template-columns: 1fr;
  }

  .problem .checklist li {
    white-space: normal;
  }

  .feature-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .feature-card {
    border-right: 0;
    border-bottom: 1px solid rgba(207, 224, 247, 0.95);
  }

  .feature-card:nth-last-child(-n + 1) {
    border-bottom: 0;
  }

  .consult-copy {
    position: static;
  }

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

  .footer-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 720px) {
  :root {
    --sticky-height: 96px;
  }

  .site-header {
    min-height: 64px;
    padding: 12px 18px;
  }

  .brand {
    font-size: 16px;
    max-width: 50vw;
    overflow: hidden;
    text-overflow: ellipsis;
  }

  .header-cta {
    min-height: 40px;
    padding: 0 13px;
    font-size: 13px;
  }

  .section {
    padding: 68px 0;
    scroll-margin-top: 74px;
  }

  .hero {
    min-height: clamp(440px, 62vh, 560px);
    padding: 20px 0 28px;
    align-items: flex-end;
    background: #0b1f3a;
  }

  .hero::before,
  .hero::after {
    display: block;
  }

  .hero::after {
    background:
      linear-gradient(180deg, rgba(255, 255, 255, 0.04) 0%, rgba(255, 255, 255, 0.5) 42%, rgba(255, 255, 255, 0.98) 78%, #ffffff 100%);
  }

  .hero.section {
    padding-top: 20px;
    padding-bottom: 28px;
  }

  .hero-grid,
  .hero-copy {
    width: 100%;
    min-width: 0;
    text-align: left;
  }

  .hero-eyebrow {
    display: inline-flex;
    align-items: center;
    margin: 0 0 10px;
    padding: 5px 11px;
    color: var(--primary);
    background: rgba(23, 105, 224, 0.08);
    border: 1px solid rgba(23, 105, 224, 0.14);
    border-radius: 999px;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: -0.01em;
  }

  .hero h1 {
    max-width: none;
    font-size: 26px;
    line-height: 1.24;
    letter-spacing: -0.025em;
  }

  .hero-subhead {
    margin-top: 10px;
    font-size: 15px;
    line-height: 1.62;
    color: #5a6d84;
    text-align: left;
  }

  .hero-actions {
    margin-top: 18px;
  }

  .hero-actions .btn {
    min-width: 0;
    width: 100%;
    min-height: 50px;
    font-size: 16px;
  }

  .hero-highlights {
    display: flex;
    flex-wrap: wrap;
    justify-content: flex-start;
    gap: 7px;
    margin: 14px 0 0;
    padding: 0;
    list-style: none;
  }

  .hero-highlights li {
    padding: 6px 10px;
    color: #47607a;
    background: #ffffff;
    border: 1px solid #dbe8f8;
    border-radius: 999px;
    font-size: 11px;
    font-weight: 800;
    line-height: 1.2;
    white-space: nowrap;
  }

  .hero .notice,
  .hero .hero-disclaimer {
    margin-top: 12px;
    padding: 0;
    font-size: 12px;
    line-height: 1.5;
    color: #64748b;
    text-align: left;
    background: transparent;
    border: 0;
  }

  .section h2 {
    font-size: 30px;
    line-height: 1.18;
  }

  .section-head {
    margin-bottom: 26px;
  }

  .section-head p,
  .section p {
    font-size: 16px;
    line-height: 1.68;
  }

  .checklist {
    gap: 13px;
    padding: 20px;
  }

  .point-list li,
  .checklist li,
  .consult-notes li {
    padding-left: 28px;
  }

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

  .process-steps {
    grid-template-columns: 1fr;
  }

  .fee-result-row {
    grid-template-columns: minmax(84px, 0.85fr) 1fr 1fr;
  }

  .fee-result-row > span {
    min-height: 42px;
    padding: 8px 6px;
    font-size: 13px;
  }

  .consult-grid {
    gap: 26px;
  }

  .consult-copy p {
    font-size: 16px;
  }

  .consult-notes {
    margin-top: 18px;
  }

  .comparison-card h3 {
    font-size: 16px;
  }

  .inline-cta,
  .sticky-cta {
    flex-direction: column;
    align-items: stretch;
    text-align: center;
  }

  .sticky-cta {
    gap: 10px;
    padding: 12px 18px calc(12px + env(safe-area-inset-bottom));
  }

  .sticky-cta p {
    font-size: 14px;
    line-height: 1.35;
  }

  .br-sm,
  .br-mobile {
    display: inline;
  }

  .sticky-cta .btn {
    width: 100%;
  }

  .sticky-cta-actions {
    display: grid;
    grid-template-columns: 1fr 1.3fr;
    gap: 8px;
    width: 100%;
  }

  .btn-tel .tel-num {
    display: none;
  }

  .site-footer {
    padding: 44px 0 112px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 30px;
  }

  .footer-brand p {
    margin-top: 14px;
  }

  .footer-column h2 {
    margin-bottom: 12px;
  }
}

:focus-visible {
  outline: 3px solid rgba(23, 105, 224, 0.6);
  outline-offset: 2px;
}

.menu-btn {
  display: none;
  gap: 5px;
  width: 44px;
  height: 44px;
  padding: 10px;
  background: transparent;
  border: 0;
  border-radius: 8px;
  cursor: pointer;
}

.menu-btn span {
  display: block;
  height: 2px;
  background: var(--text);
  border-radius: 99px;
}

.nav-backdrop {
  position: fixed;
  inset: 0;
  z-index: 45;
  background: rgba(11, 31, 58, 0.45);
  opacity: 0;
  pointer-events: none;
  transition: opacity 180ms ease;
}

body.nav-open {
  overflow: hidden;
}

body.nav-open .nav-backdrop {
  opacity: 1;
  pointer-events: auto;
}

.drawer-nav {
  position: fixed;
  top: 0;
  right: 0;
  z-index: 50;
  width: min(320px, 86vw);
  height: 100%;
  display: grid;
  align-content: start;
  gap: 4px;
  padding: 78px 18px 24px;
  background: #ffffff;
  box-shadow: -12px 0 32px rgba(11, 31, 58, 0.12);
  transform: translateX(100%);
  transition: transform 220ms ease;
}

body.nav-open .drawer-nav {
  transform: translateX(0);
}

.drawer-nav a {
  min-height: 48px;
  display: flex;
  align-items: center;
  padding: 0 12px;
  border-radius: 10px;
  font-size: 16px;
  font-weight: 800;
}

.drawer-nav a:hover,
.drawer-nav a:active {
  background: #eef5ff;
}

.drawer-nav .drawer-tel {
  margin-top: 12px;
  padding-top: 16px;
  border-top: 1px solid var(--border);
  border-radius: 0;
  color: var(--primary);
  font-variant-numeric: tabular-nums;
}

@media (min-width: 981px) {
  .nav-backdrop,
  .drawer-nav {
    display: none;
  }
}

@media (max-width: 980px) {
  .site-header {
    justify-content: flex-start;
    gap: 14px;
  }

  .brand {
    margin-right: auto;
  }

  .menu-btn {
    display: grid;
  }
}

.trust {
  padding: 44px 0 10px;
  background: #ffffff;
}

.trust-strip {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  overflow: hidden;
  background: #ffffff;
  border: 1px solid #cfe0f7;
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
}

.trust-item {
  display: grid;
  gap: 4px;
  padding: 22px 18px;
  border-right: 1px solid #e1ebf7;
  text-align: center;
}

.trust-item:last-child {
  border-right: 0;
}

.trust-item strong {
  color: var(--primary-dark);
  font-size: clamp(24px, 2.4vw, 32px);
  font-weight: 850;
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.02em;
  line-height: 1.15;
}

.trust-item strong small {
  color: var(--primary);
  font-size: 0.55em;
  font-weight: 800;
}

.trust-item span {
  color: var(--muted);
  font-size: 13px;
  font-weight: 600;
}

.fee-result-summary-value,
.fee-result-summary-sub,
.calc-value-display,
.fee-result-row,
.trust-item strong {
  font-variant-numeric: tabular-nums;
}

.fee-result-bars {
  display: grid;
  gap: 12px;
  margin-top: 18px;
  text-align: left;
}

.fee-bar-row {
  display: grid;
  grid-template-columns: minmax(112px, auto) 1fr minmax(96px, auto);
  align-items: center;
  gap: 12px;
  font-size: 13px;
  font-weight: 700;
}

.fee-bar-label {
  color: var(--muted);
  white-space: nowrap;
}

.fee-bar-track {
  height: 22px;
  overflow: hidden;
  background: rgba(255, 255, 255, 0.7);
  border: 1px solid #d7e6f8;
  border-radius: 6px;
}

.fee-bar-fill {
  height: 100%;
  border-radius: 5px 0 0 5px;
  transition: width 300ms ease-out;
}

.fee-bar-current {
  width: 100%;
  background: #9db1c9;
}

.fee-bar-pg {
  background: linear-gradient(90deg, #12a463, #0a7c4c);
}

.fee-bar-value {
  color: var(--text);
  text-align: right;
  white-space: nowrap;
  font-variant-numeric: tabular-nums;
}

.fee-savings-tag {
  display: inline-flex;
  align-items: center;
  margin-top: 16px;
  padding: 7px 14px;
  color: #ffffff;
  background: #0e8f56;
  border: 1px solid #0e8f56;
  border-radius: 999px;
  font-size: 13px;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
}

.fee-savings-tag[hidden] {
  display: none;
}

@media (max-width: 720px) {
  .trust {
    padding: 32px 0 0;
  }

  .trust-strip {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .trust-item {
    padding: 16px 12px;
  }

  .trust-item:nth-child(even) {
    border-right: 0;
  }

  .trust-item:nth-child(-n + 2) {
    border-bottom: 1px solid #e1ebf7;
  }

  .fee-bar-row {
    grid-template-columns: minmax(96px, auto) 1fr;
  }

  .fee-bar-value {
    display: none;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  .fee-bar-fill,
  .btn,
  .header-cta,
  .nav-links a::after,
  .drawer-nav,
  .nav-backdrop,
  details {
    transition: none;
  }
}

@media (max-width: 480px) {
  .container {
    width: min(100% - 30px, 1160px);
  }

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

  .hero-actions .btn {
    min-width: 0;
  }

  .comparison-table div {
    grid-template-columns: 1fr;
  }

  .comparison-table span,
  .comparison-table strong {
    min-height: 40px;
    border-right: 0;
  }

  .comparison-table strong {
    border-top: 0;
    border-bottom: 1px solid #edf3fb;
  }

  .comparison-table strong:last-child {
    border-bottom: 0;
  }

  .checklist,
  .lead-form {
    padding: 18px;
  }

  .feature-card {
    padding: 16px;
  }

  input,
  select {
    min-height: 52px;
    font-size: 16px;
  }

  .consent {
    padding: 0;
    font-size: 13px;
  }

  .consent-text,
  .consent-link {
    font-size: 13px;
  }
}