/* ============================================================
   개인사업자 대출 정보플랫폼 — 디자인 시스템 (bizloaninfo.uassuk.com)
   팔레트: 딥네이비 #0F2A4A · 블루 #1E6FD9 · 앰버 #F5A623 · 아이보리 #F7F9FC
   스케일: 8pt / 행간 1.6~1.8 / 라운드·그림자 토큰
   ============================================================ */
:root{
  --navy:#0F2A4A; --navy-2:#16365C; --navy-3:#0A1E36;
  --blue:#1E6FD9; --blue-strong:#155BB8; --blue-soft:#E8F1FC;
  --amber:#F5A623; --amber-strong:#DE8E0A; --amber-soft:#FEF3DF;
  --ivory:#F7F9FC; --white:#FFFFFF; --ink:#13263F; --ink-soft:#33475F;
  --muted:#63748A; --line:#E3E9F1; --line-dark:#C9D4E2; --dark-line:#2C4A6E;
  --ok:#12805C; --ok-soft:#E4F4EE;
  --r-lg:24px; --r-md:16px; --r-sm:10px; --r-pill:999px;
  --sh-1:0 1px 2px rgba(15,42,74,.05),0 10px 28px rgba(15,42,74,.07);
  --sh-2:0 2px 6px rgba(15,42,74,.07),0 20px 46px rgba(15,42,74,.13);
  --container:1180px; --read:760px;
  --font-sans:'Pretendard Variable',Pretendard,-apple-system,BlinkMacSystemFont,'Apple SD Gothic Neo','Noto Sans KR',sans-serif;
  --font-serif:'Noto Serif KR',Georgia,'Apple SD Gothic Neo',serif;
  --ease:cubic-bezier(.22,.61,.36,1);
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font-sans);font-size:17px;line-height:1.75;color:var(--ink);background:var(--ivory);letter-spacing:-0.011em;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-decoration:none;transition:color .2s var(--ease)}
a:hover{color:var(--blue-strong)}
p{margin:0 0 1.15em}
h1,h2,h3,h4{font-weight:800;line-height:1.32;letter-spacing:-0.02em;color:var(--ink);text-wrap:balance}
h1,h2,h3{font-family:var(--font-serif)}
:focus-visible{outline:3px solid rgba(30,111,217,.55);outline-offset:3px;border-radius:6px}
.container{max-width:var(--container);margin:0 auto;padding:0 24px}
.section{padding:104px 0}
@media(max-width:768px){.section{padding:72px 0}}
.skip-link{position:absolute;left:16px;top:-64px;background:var(--navy);color:#fff;padding:10px 16px;border-radius:10px;z-index:200;transition:top .2s}
.skip-link:focus{top:16px;color:#fff}

/* ---------- 버튼 ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:50px;padding:0 24px;border-radius:14px;font-weight:700;font-size:16px;line-height:1;border:0;cursor:pointer;transition:transform .18s var(--ease),box-shadow .18s var(--ease),background .18s var(--ease),border-color .18s var(--ease);text-decoration:none;font-family:inherit}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 8px 20px rgba(30,111,217,.28)}
.btn-primary:hover{background:var(--blue-strong);color:#fff;transform:translateY(-2px);box-shadow:0 12px 26px rgba(30,111,217,.36)}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy-2);color:#fff;transform:translateY(-2px)}
.btn-amber{background:var(--amber);color:#12233B;box-shadow:0 8px 20px rgba(245,166,35,.3)}
.btn-amber:hover{background:var(--amber-strong);color:#fff;transform:translateY(-2px)}
.btn-ghost{background:transparent;color:var(--ink);border:1.5px solid var(--line-dark)}
.btn-ghost:hover{border-color:var(--navy);background:var(--white)}
.btn-ghost-light{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.4)}
.btn-ghost-light:hover{border-color:#fff;background:rgba(255,255,255,.08);color:#fff}
.btn-sm{min-height:42px;padding:0 16px;font-size:14.5px;border-radius:11px}

/* ---------- 헤더 ---------- */
.site-header{position:sticky;top:0;z-index:120;background:rgba(247,249,252,.9);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;height:76px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}
.brand-mark{width:40px;height:40px;border-radius:12px;background:var(--navy);display:grid;place-items:center;flex:none;box-shadow:var(--sh-1)}
.brand-mark svg{width:22px;height:22px}
.brand-name{font-weight:800;font-size:18px;letter-spacing:-0.02em;color:var(--ink);line-height:1.2}
.brand-name em{font-style:normal;color:var(--blue)}
.brand-sub{display:block;font-size:11.5px;font-weight:600;color:var(--muted);letter-spacing:-0.01em}
.nav{display:flex;align-items:center;gap:2px}
.nav a.nav-link{padding:9px 13px;border-radius:10px;font-size:15px;font-weight:600;color:var(--ink-soft);text-decoration:none}
.nav a.nav-link:hover{color:var(--navy);background:var(--blue-soft)}
.nav .btn{margin-left:12px}
.nav-toggle{display:none;width:46px;height:46px;border:0;background:var(--white);border-radius:12px;cursor:pointer;flex-direction:column;align-items:center;justify-content:center;gap:5px;box-shadow:var(--sh-1)}
.nav-toggle span{width:20px;height:2px;background:var(--navy);border-radius:2px;transition:.25s var(--ease)}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
@media(max-width:1024px){
  .nav-toggle{display:flex}
  .nav{position:fixed;inset:76px 0 auto 0;background:var(--white);flex-direction:column;align-items:stretch;padding:14px 20px 22px;gap:4px;border-bottom:1px solid var(--line);box-shadow:var(--sh-2);transform:translateY(-8px);opacity:0;pointer-events:none;transition:opacity .2s var(--ease),transform .2s var(--ease)}
  .nav.open{opacity:1;transform:none;pointer-events:auto}
  .nav a.nav-link{padding:14px 12px;font-size:16px;border-radius:12px}
  .nav .btn{margin:10px 0 0;width:100%}
}

/* ---------- 히어로 ---------- */
.hero{position:relative;background:linear-gradient(180deg,#0F2A4A 0%,#12315A 62%,#163A6E 100%);color:#fff;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background:radial-gradient(760px 420px at 82% 18%,rgba(30,111,217,.28),transparent 62%),radial-gradient(620px 380px at 12% 92%,rgba(245,166,35,.12),transparent 60%);pointer-events:none}
.hero-inner{position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,1.04fr) minmax(0,.96fr);gap:56px;align-items:center;padding:104px 0 96px}
.hero-eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:13.5px;font-weight:700;color:#BFD6F2;letter-spacing:.02em;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);padding:7px 14px;border-radius:var(--r-pill);margin-bottom:26px}
.hero-eyebrow::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--amber);box-shadow:0 0 0 4px rgba(245,166,35,.22)}
.hero h1{font-size:clamp(38px,5vw,58px);line-height:1.22;color:#fff;margin:0 0 22px;letter-spacing:-0.025em}
.hero h1 .hl{color:var(--amber)}
.hero-lead{font-size:17.5px;line-height:1.78;color:#D7E4F5;max-width:560px;margin:0 0 30px}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:34px}
.hero-facts{display:flex;gap:12px;flex-wrap:wrap}
.fact-chip{display:inline-flex;align-items:center;gap:8px;font-size:13.5px;font-weight:600;color:#D7E4F5;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);padding:8px 14px;border-radius:var(--r-pill)}
.fact-chip svg{width:15px;height:15px;flex:none}
.hero-media{position:relative}
.hero-media .frame{border-radius:26px;overflow:hidden;box-shadow:0 30px 70px rgba(5,15,32,.5);border:1px solid rgba(255,255,255,.14)}
.hero-media img{width:100%;aspect-ratio:16/10;object-fit:cover}
.hero-badge{position:absolute;left:-18px;bottom:26px;background:var(--white);color:var(--ink);border-radius:18px;padding:16px 20px;box-shadow:var(--sh-2);display:flex;align-items:center;gap:12px;max-width:290px}
.hero-badge .ico{width:40px;height:40px;border-radius:12px;background:var(--amber-soft);display:grid;place-items:center;flex:none}
.hero-badge b{display:block;font-size:14.5px;line-height:1.35}
.hero-badge span{font-size:12.5px;color:var(--muted);line-height:1.45}
@media(max-width:960px){
  .hero-inner{grid-template-columns:1fr;gap:40px;padding:72px 0 64px}
  .hero-media{max-width:560px}
  .hero-badge{left:12px}
}

/* ---------- 섹션 헤딩 ---------- */
.sec-head{max-width:720px;margin:0 auto 56px;text-align:center}
.sec-eyebrow{display:inline-block;font-size:13.5px;font-weight:800;color:var(--blue);letter-spacing:.03em;margin-bottom:14px}
.sec-head h2{font-size:clamp(28px,3.6vw,40px);margin:0 0 16px}
.sec-head p{color:var(--muted);font-size:16.5px;margin:0}
.sec-head.center{margin-inline:auto}

/* ---------- 경로 카드 3종 ---------- */
.path-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.path-card{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);padding:30px 26px;box-shadow:var(--sh-1);display:flex;flex-direction:column;transition:transform .22s var(--ease),box-shadow .22s var(--ease),border-color .22s var(--ease)}
.path-card:hover{transform:translateY(-5px);box-shadow:var(--sh-2);border-color:var(--line-dark)}
.path-ico{width:52px;height:52px;border-radius:15px;display:grid;place-items:center;margin-bottom:20px}
.path-ico svg{width:26px;height:26px}
.path-card h3{font-size:19px;margin:0 0 10px}
.path-card p{font-size:14.5px;color:var(--muted);line-height:1.7;margin:0 0 18px;flex:1}
.path-link{font-size:14px;font-weight:700;color:var(--blue)}
.path-link:hover{color:var(--blue-strong)}
@media(max-width:960px){.path-grid{grid-template-columns:1fr;gap:16px}}

/* ---------- 캐러셀 ---------- */
.carousel-section{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.carousel{position:relative;max-width:1040px;margin:0 auto}
.carousel-viewport{overflow:hidden;border-radius:var(--r-lg)}
.carousel-track{display:flex;transition:transform .5s var(--ease)}
.carousel-slide{flex:0 0 100%;position:relative;border-radius:var(--r-lg);overflow:hidden;aspect-ratio:16/9;background:var(--navy)}
.carousel-slide img{width:100%;height:100%;object-fit:cover}
.carousel-slide::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,30,54,.78) 0%,rgba(10,30,54,.28) 48%,rgba(10,30,54,.05) 100%)}
.carousel-cap{position:absolute;left:0;bottom:0;z-index:2;padding:34px;max-width:74%}
.carousel-cap .c-tag{display:inline-block;font-size:12.5px;font-weight:800;color:var(--amber);background:rgba(10,30,54,.55);border:1px solid rgba(245,166,35,.4);border-radius:var(--r-pill);padding:5px 12px;margin-bottom:14px}
.carousel-cap h3{font-size:clamp(20px,2.6vw,30px);color:#fff;margin:0 0 8px}
.carousel-cap p{color:#D7E4F5;font-size:14.5px;margin:0}
.carousel-nav{display:flex;justify-content:center;align-items:center;gap:16px;margin-top:22px}
.carousel-btn{width:48px;height:48px;border-radius:50%;border:1.5px solid var(--line-dark);background:var(--white);cursor:pointer;display:grid;place-items:center;color:var(--navy);transition:.2s var(--ease)}
.carousel-btn:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.carousel-btn:disabled{opacity:.35;pointer-events:none}
.carousel-dots{display:flex;gap:8px}
.carousel-dot{width:9px;height:9px;border-radius:50%;border:0;background:var(--line-dark);cursor:pointer;padding:0;transition:.2s var(--ease)}
.carousel-dot.active{background:var(--blue);width:26px;border-radius:6px}
@media(max-width:760px){.carousel-cap{padding:22px;max-width:100%}.carousel-cap p{display:none}}

/* ---------- 데이터 조회(네이비 밴드) ---------- */
.data-section{background:linear-gradient(150deg,var(--navy-3) 0%,var(--navy) 55%,#17406F 100%);color:#fff;overflow:hidden}
.data-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.data-copy h2{color:#fff;font-size:clamp(26px,3.4vw,38px);margin:0 0 16px}
.data-copy p{color:#CFDDF0;font-size:16px;margin:0 0 26px;max-width:520px}
.data-points{list-style:none;margin:0 0 30px;padding:0;display:grid;gap:12px}
.data-points li{display:flex;gap:12px;align-items:flex-start;font-size:15px;color:#E7EFFA;line-height:1.6}
.data-points .dot{width:22px;height:22px;border-radius:7px;background:rgba(245,166,35,.18);border:1px solid rgba(245,166,35,.5);display:grid;place-items:center;flex:none;margin-top:2px;font-size:12px;font-weight:800;color:var(--amber)}
.data-visual{position:relative}
.data-visual img{border-radius:22px;box-shadow:0 26px 60px rgba(5,15,32,.5);border:1px solid rgba(255,255,255,.14)}
.data-visual .gauge-card{position:absolute;left:-22px;bottom:24px;background:var(--white);color:var(--ink);border-radius:16px;padding:16px 18px;box-shadow:var(--sh-2);max-width:300px}
.data-visual .gauge-card b{font-size:13.5px;display:block;margin-bottom:8px}
.data-visual .gauge-line{height:8px;border-radius:5px;background:var(--line);overflow:hidden;margin-bottom:6px}
.data-visual .gauge-line i{display:block;height:100%;border-radius:5px;background:linear-gradient(90deg,var(--blue),#4B92E8)}
.data-visual .gauge-row{display:flex;justify-content:space-between;font-size:11.5px;color:var(--muted)}
@media(max-width:960px){.data-grid{grid-template-columns:1fr;gap:36px}.data-visual .gauge-card{left:12px}}

/* ---------- 서류준비 흐름 ---------- */
.flow-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-bottom:48px}
.flow-step{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);padding:26px 22px;box-shadow:var(--sh-1);position:relative}
.flow-step .no{width:38px;height:38px;border-radius:12px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;font-size:16px;margin-bottom:16px;font-family:var(--font-serif)}
.flow-step:nth-child(4) .no{background:var(--amber);color:#12233B}
.flow-step h3{font-size:16.5px;margin:0 0 8px}
.flow-step p{font-size:13.5px;color:var(--muted);margin:0;line-height:1.65}
.flow-arrow{position:absolute;right:-14px;top:50%;transform:translateY(-50%);color:var(--line-dark);z-index:2}
.flow-media{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:center}
.flow-media img{border-radius:var(--r-lg);box-shadow:var(--sh-1)}
.flow-note{font-size:14.5px;color:var(--muted);line-height:1.75}
@media(max-width:960px){.flow-grid{grid-template-columns:1fr 1fr}.flow-arrow{display:none}.flow-media{grid-template-columns:1fr}}

/* ---------- 최신 가이드 ---------- */
.latest-section{background:var(--ivory)}
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.pcard{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;display:flex;flex-direction:column;box-shadow:var(--sh-1);transition:transform .22s var(--ease),box-shadow .22s var(--ease);color:var(--ink)}
.pcard:hover{transform:translateY(-5px);box-shadow:var(--sh-2);color:var(--ink)}
.pthumb{position:relative;aspect-ratio:16/9;overflow:hidden;background:var(--navy)}
.pthumb img{width:100%;height:100%;object-fit:cover;transition:transform .4s var(--ease)}
.pcard:hover .pthumb img{transform:scale(1.05)}
.pcat{position:absolute;left:14px;top:14px;z-index:2;font-size:12px;font-weight:800;color:#fff;background:rgba(15,42,74,.72);border:1px solid rgba(255,255,255,.25);border-radius:var(--r-pill);padding:5px 12px;backdrop-filter:blur(4px)}
.pbody{padding:22px 22px 24px;display:flex;flex-direction:column;flex:1}
.pbody h3{font-size:17.5px;line-height:1.45;margin:0 0 10px}
.pbody p{font-size:14px;color:var(--muted);line-height:1.65;margin:0 0 16px;flex:1;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
.pmeta{display:flex;align-items:center;gap:10px;font-size:13px;color:var(--muted)}
.pmeta .arrow{margin-left:auto;color:var(--blue);font-weight:800}
@media(max-width:960px){.post-grid{grid-template-columns:1fr 1fr}.post-grid .pcard:last-child:nth-child(odd){grid-column:span 2}}
@media(max-width:640px){.post-grid{grid-template-columns:1fr}}

/* ---------- CTA 밴드 ---------- */
.cta-band{background:linear-gradient(120deg,var(--blue) 0%,#2F7FE0 100%);color:#fff;border-radius:28px;padding:56px 48px;display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap;box-shadow:0 22px 50px rgba(30,111,217,.3);position:relative;overflow:hidden}
.cta-band::after{content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;border-radius:50%;background:rgba(255,255,255,.08)}
.cta-band h2{color:#fff;font-size:clamp(24px,3vw,32px);margin:0 0 10px}
.cta-band p{color:#E3EEFB;margin:0;font-size:15.5px}
.cta-band .btn{position:relative;z-index:2}
@media(max-width:760px){.cta-band{padding:38px 26px;border-radius:22px}}

/* ---------- 푸터 ---------- */
.site-footer{background:var(--navy-3);color:#C6D4E6;font-size:14.5px}
.footer-top{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:44px;padding:72px 0 44px}
.footer-brand .brand-name{color:#fff}
.footer-brand .brand-sub{color:#8FA8C6}
.footer-brand p{font-size:14px;color:#A9BED8;line-height:1.7;margin:18px 0 0;max-width:340px}
.footer-col h3{font-size:15px;color:#fff;margin:0 0 16px;font-family:var(--font-sans)}
.footer-col ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.footer-col a{color:#A9BED8;text-decoration:none;font-size:14px}
.footer-col a:hover{color:#fff}
.footer-legal{border-top:1px solid rgba(255,255,255,.1);padding:30px 0 34px}
.footer-legal .legal-notice{font-size:12.5px;color:#93A9C4;line-height:1.7;margin:0 0 14px;background:rgba(255,255,255,.04);border-left:3px solid rgba(245,166,35,.5);padding:12px 16px;border-radius:0 10px 10px 0}
.footer-legal .legal-notice p{margin:3px 0}
.footer-legal .bottom-row{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;align-items:center;font-size:13px;color:#7E97B4}
.footer-legal .bottom-row a{color:#A9BED8}
@media(max-width:960px){.footer-top{grid-template-columns:1fr 1fr}}

/* ---------- 공통 리빌 모션 ---------- */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .6s var(--ease),transform .6s var(--ease)}
.reveal.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  .reveal{opacity:1;transform:none;transition:none}
  *,*::before,*::after{transition-duration:.01ms!important;animation-duration:.01ms!important}
}
@media(max-width:768px){.section{padding:68px 0}}