/* ===== FS투자자문 — 공유 디자인 시스템 (프리미엄 / Pretendard 단일) ===== */
@import url('https://cdn.jsdelivr.net/gh/orioncactus/pretendard@v1.3.9/dist/web/static/pretendard.css');

:root{
  --navy:#0D1B3E; --navy2:#142a57; --gold:#C0922E; --gold-soft:#D8BC74;
  --ivory:#F7F5F0; --ink:#171A21; --muted:#6E7480; --line:#E6E1D6; --line-dark:#26365f;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Pretendard',sans-serif;color:var(--ink);background:#fff;line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
.wrap{max-width:1180px;margin:0 auto;padding:0 32px}
.label{font-size:12px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold);font-weight:600;display:inline-flex;align-items:center;gap:12px}
.label::before{content:"";width:28px;height:1px;background:var(--gold)}
.gold{color:var(--gold)}
.placeholder{color:var(--gold);border-bottom:1px dotted var(--gold);font-style:normal}
.btn{display:inline-flex;align-items:center;gap:8px;font-size:14px;font-weight:600;padding:14px 26px;border-radius:2px;transition:.2s;letter-spacing:.02em;cursor:pointer}
.btn-gold{background:var(--gold);color:#fff}
.btn-gold:hover{background:#a87d22}
.btn-ghost{border:1px solid rgba(255,255,255,.35);color:#fff}
.btn-ghost:hover{border-color:var(--gold-soft);color:var(--gold-soft)}
.btn-ink{border:1px solid var(--line);color:var(--ink)}
.btn-ink:hover{border-color:var(--navy);color:var(--navy)}

/* HEADER */
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:78px}
.brand{display:flex;align-items:center;gap:14px}
.mark{width:42px;height:42px;border:1.5px solid var(--gold);display:flex;align-items:center;justify-content:center;color:var(--navy);font-weight:700;font-size:17px;letter-spacing:.04em}
.brand .bn{font-weight:700;font-size:17px;color:var(--navy);letter-spacing:.01em}
.brand .bs{font-size:10.5px;letter-spacing:.24em;color:var(--muted);text-transform:uppercase}
nav.menu{display:flex;gap:34px;font-size:15px;font-weight:500;color:#3a4150}
nav.menu a{padding:4px 0;border-bottom:2px solid transparent}
nav.menu a:hover,nav.menu a.active{color:var(--gold);border-color:var(--gold)}
.nav-cta{display:flex;gap:12px;align-items:center}
.nav-cta .mini{font-size:13.5px;font-weight:600;color:var(--navy);padding:9px 18px;border:1px solid var(--line)}
.nav-cta .mini.solid{background:var(--navy);color:#fff;border-color:var(--navy)}

/* HOME HERO */
.hero{background:linear-gradient(160deg,#0B1733 0%,#0D1B3E 55%,#102449 100%);color:#fff;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-160px;top:-120px;width:620px;height:620px;border:1px solid rgba(192,146,46,.14);border-radius:50%}
.hero::before{content:"";position:absolute;right:-40px;top:60px;width:440px;height:440px;border:1px solid rgba(192,146,46,.10);border-radius:50%}
.hero-in{position:relative;z-index:2;padding:120px 0 130px;max-width:760px}
.hero .reg{display:inline-block;font-size:12px;letter-spacing:.12em;color:var(--gold-soft);border:1px solid rgba(216,188,116,.35);padding:7px 16px;border-radius:2px;margin-bottom:34px}
.hero h1{font-size:72px;line-height:1.12;font-weight:700;letter-spacing:-.025em;margin-bottom:28px}
.hero h1 em{color:var(--gold-soft);font-weight:800;font-style:normal}
.hero p{font-size:18px;color:#c2cbdd;max-width:540px;margin-bottom:40px;line-height:1.8}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.hero-rule{width:64px;height:2px;background:var(--gold);margin-bottom:34px}

/* SUB-PAGE HERO */
.phero{background:linear-gradient(150deg,#0B1733,#102449);color:#fff;padding:70px 0 60px;position:relative;overflow:hidden}
.phero::after{content:"";position:absolute;right:-120px;top:-140px;width:460px;height:460px;border:1px solid rgba(192,146,46,.12);border-radius:50%}
.phero .crumb{position:relative;z-index:2;font-size:12.5px;letter-spacing:.1em;color:var(--gold-soft);margin-bottom:18px}
.phero h1{position:relative;z-index:2;font-size:46px;font-weight:700;letter-spacing:-.02em}
.phero p{position:relative;z-index:2;margin-top:14px;font-size:16px;color:#aab4c8;max-width:620px}

/* SUB-NAV (tabs within a page) */
.subnav{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:78px;z-index:40}
.subnav .wrap{display:flex;gap:8px;overflow-x:auto}
.subnav a{padding:18px 18px;font-size:14.5px;font-weight:600;color:var(--muted);border-bottom:2px solid transparent;white-space:nowrap}
.subnav a:hover{color:var(--navy)}
.subnav a.active{color:var(--gold);border-color:var(--gold)}

/* SECTIONS */
section{padding:90px 0}
section.tight{padding:64px 0}
section[id], div[id]{scroll-margin-top:96px}
body:has(.subnav) section[id], body:has(.subnav) div[id]{scroll-margin-top:150px}
.ivory{background:var(--ivory)}
.navy{background:var(--navy);color:#fff}
.sec-head{margin-bottom:50px}
.sec-head h2{font-size:36px;font-weight:700;color:var(--navy);margin-top:16px;letter-spacing:-.02em}
.navy .sec-head h2{color:#fff}
.sec-head .gold{color:var(--gold)}
.sec-head p{margin-top:14px;font-size:16px;color:var(--muted);max-width:680px}
.navy .sec-head p{color:#aab4c8}

/* VALUE / F-S CARDS */
.fs-duo{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-bottom:30px}
.fs-letter{background:#fff;border:1px solid var(--line);padding:44px 40px;display:flex;gap:28px;align-items:flex-start}
.fs-letter .big{font-size:64px;font-weight:800;color:var(--gold);line-height:.9}
.fs-letter h3{font-size:22px;color:var(--navy);font-weight:700;margin-bottom:10px}
.fs-letter p{font-size:14.5px;color:var(--muted);line-height:1.8}
.vals{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.val{background:#fff;border:1px solid var(--line);padding:38px 32px}
.val .ic{color:var(--gold);margin-bottom:20px}
.val h4{font-size:18px;color:var(--navy);font-weight:700;margin-bottom:10px}
.val p{font-size:14px;color:var(--muted);line-height:1.75}

/* CEO GREETING */
.ceo{display:grid;grid-template-columns:300px 1fr;gap:56px;align-items:center}
.ceo-ph{aspect-ratio:3/4;background:linear-gradient(180deg,#eceae3,#ddd9cf);border:1px solid var(--line);display:flex;align-items:flex-end;justify-content:center;color:#b8b2a4;font-size:12px;padding-bottom:16px}
.ceo .q{font-size:26px;font-weight:700;color:var(--navy);line-height:1.5;letter-spacing:-.01em;margin-bottom:24px}
.ceo .q .gold{color:var(--gold)}
.ceo .body{font-size:15.5px;color:#4a515d;line-height:1.95}
.ceo .sign{margin-top:28px;font-size:14px;color:var(--muted)}
.ceo .sign b{color:var(--navy);font-size:18px;font-weight:700;margin-right:8px}

/* INFO TABLE */
.info-tb{width:100%;border-top:2px solid var(--navy);border-collapse:collapse}
.info-tb th,.info-tb td{text-align:left;padding:17px 22px;border-bottom:1px solid var(--line);font-size:15px}
.info-tb th{width:200px;background:var(--ivory);color:var(--navy);font-weight:600}

/* TIMELINE */
.tl{position:relative;padding-left:30px}
.tl::before{content:"";position:absolute;left:6px;top:6px;bottom:6px;width:1px;background:var(--line)}
.tl-item{position:relative;padding:0 0 34px}
.tl-item::before{content:"";position:absolute;left:-30px;top:5px;width:11px;height:11px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px #fff}
.tl-item .yr{font-size:14px;font-weight:700;color:var(--gold);margin-bottom:6px}
.tl-item .tx{font-size:15px;color:var(--ink)}

/* SERVICE ROWS / CARDS */
.svc-row{display:grid;grid-template-columns:80px 1fr auto;gap:28px;align-items:center;padding:32px 0;border-top:1px solid var(--line)}
.svc-row:last-child{border-bottom:1px solid var(--line)}
.svc-num{font-size:36px;color:var(--gold);font-weight:500;line-height:1}
.svc-row h3{font-size:22px;color:var(--navy);font-weight:700;margin-bottom:8px}
.svc-row p{font-size:15px;color:var(--muted);max-width:640px}
.tags{display:flex;gap:8px;margin-top:13px;flex-wrap:wrap}
.tags span{font-size:12px;color:#566;border:1px solid var(--line);padding:5px 12px;border-radius:2px}
.svc-arrow{color:var(--navy);font-size:22px;opacity:.4}
.detail-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.detail-card{border:1px solid var(--line);padding:32px 30px}
.detail-card h4{font-size:17px;color:var(--navy);font-weight:700;margin-bottom:10px;display:flex;align-items:center;gap:8px}
.detail-card p{font-size:14px;color:var(--muted);line-height:1.8}

/* FEE / COMPARE TABLE */
.tb{width:100%;border-collapse:collapse;border-top:2px solid var(--navy)}
.tb th,.tb td{padding:16px 20px;border-bottom:1px solid var(--line);font-size:14.5px;text-align:center}
.tb th{background:var(--navy);color:#fff;font-weight:600}
.tb td:first-child,.tb th:first-child{text-align:left;background:var(--ivory);color:var(--navy);font-weight:600}
.tb .price{font-size:18px;font-weight:700;color:var(--gold)}

/* STEP LIST */
.steps{display:flex;flex-direction:column;gap:0}
.step{display:grid;grid-template-columns:78px 1fr;gap:28px;padding:30px 0;border-top:1px solid var(--line)}
.step:last-child{border-bottom:1px solid var(--line)}
.step .n{font-size:30px;font-weight:800;color:var(--gold)}
.step h4{font-size:19px;color:var(--navy);font-weight:700;margin-bottom:8px}
.step p{font-size:14.5px;color:var(--muted);line-height:1.8;max-width:720px}
.chips{display:flex;gap:8px;flex-wrap:wrap;margin-top:12px}
.chips span{font-size:12px;background:var(--ivory);border:1px solid var(--line);color:#556;padding:5px 12px;border-radius:20px}

/* ADVISORS */
.adv-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:22px}
.adv-card{text-align:center}
.adv-ph{aspect-ratio:3/4;background:linear-gradient(180deg,#eceae3,#ddd9cf);border:1px solid var(--line);display:flex;align-items:flex-end;justify-content:center;color:#b8b2a4;font-size:12px;padding-bottom:14px;margin-bottom:16px}
.adv-card h4{font-size:16px;color:var(--navy);font-weight:700}
.adv-card .role{font-size:12.5px;color:var(--gold);margin:4px 0 6px;letter-spacing:.04em}
.adv-card .meta{font-size:12px;color:var(--muted)}
a.adv-card{display:block;transition:.2s}
a.adv-card:hover{transform:translateY(-4px)}
a.adv-card:hover .adv-ph{border-color:var(--gold)}

/* ADVISOR DETAIL */
.profile-hero{background:linear-gradient(150deg,#0B1733,#102449);color:#fff;padding:60px 0;position:relative;overflow:hidden}
.profile-hero::after{content:"";position:absolute;right:-120px;top:-150px;width:450px;height:450px;border:1px solid rgba(192,146,46,.12);border-radius:50%}
.profile-hero .wrap{position:relative;z-index:2;display:grid;grid-template-columns:230px 1fr;gap:48px;align-items:center}
.profile-ph{aspect-ratio:1/1;border-radius:12px;background:linear-gradient(180deg,#22356a,#0e1e43);border:2px solid rgba(216,188,116,.4);display:flex;align-items:center;justify-content:center;color:rgba(216,188,116,.42);font-size:13px}
.profile-hero .crumb{font-size:12.5px;letter-spacing:.1em;color:var(--gold-soft);margin-bottom:14px}
.profile-hero h1{font-size:38px;font-weight:700;letter-spacing:-.02em}
.profile-role{font-size:16px;color:var(--gold-soft);margin:8px 0 18px}
.profile-creds{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:24px}
.profile-creds span{font-size:12.5px;color:#cdd6e6;border:1px solid var(--line-dark);padding:6px 14px;border-radius:20px}
.quote-block{border-left:2px solid var(--gold);padding:4px 0 4px 26px;font-size:21px;line-height:1.65;color:var(--navy);font-weight:600;margin-bottom:24px}
@media(max-width:760px){.profile-hero .wrap{grid-template-columns:1fr;text-align:center}.profile-ph{max-width:220px;margin:0 auto}}

/* APP DOWNLOAD PAGE */
.app-hero{background:linear-gradient(150deg,#0B1733,#102449);color:#fff;padding:66px 0;position:relative;overflow:hidden}
.app-hero::after{content:"";position:absolute;right:-100px;top:-120px;width:420px;height:420px;border:1px solid rgba(192,146,46,.12);border-radius:50%}
.app-hero .wrap{position:relative;z-index:2;display:grid;grid-template-columns:1fr 290px;gap:56px;align-items:center}
.app-hero h1{font-size:40px;font-weight:700;letter-spacing:-.02em;margin:14px 0 16px;line-height:1.25}
.app-hero .sub{font-size:16px;color:#aab4c8;line-height:1.8;max-width:460px;margin-bottom:26px}
.dls-row{display:flex;flex-wrap:wrap;gap:16px;margin-bottom:10px}
.dl{display:flex;align-items:center;gap:18px;padding:24px 36px;border:1px solid var(--line-dark);border-radius:8px;background:rgba(255,255,255,.05);transition:.2s;min-width:220px}
.dl:hover{border-color:var(--gold);background:rgba(192,146,46,.1);transform:translateY(-2px)}
.dl .ic{color:#fff;flex-shrink:0;width:32px;height:32px}
.dl .n{font-size:19px;font-weight:700;color:#fff;line-height:1.15}
.dl .t{font-size:13.5px;color:#8fa0bd;margin-top:4px}
.qr-row{display:flex;gap:48px;flex-wrap:wrap}
.qr-item{text-align:center}
.qr-box{width:168px;height:168px;background:#fff;border-radius:12px;display:flex;align-items:center;justify-content:center;color:#9aa6be;font-size:11px;margin-bottom:12px;border:1px solid var(--line-dark);padding:10px;box-shadow:0 14px 34px rgba(0,0,0,.3)}
.qr-box img{width:100%;height:100%;display:block;image-rendering:pixelated}
.qr-item span{font-size:14px;font-weight:600;color:#c2cbdd}
.qr-note{margin-top:18px;font-size:13px;color:#8fa0bd}
.phone{width:290px;height:560px;border:9px solid #1b2c54;border-radius:38px;background:linear-gradient(180deg,#13234d,#0b1838);margin:0 auto;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:14px;color:rgba(216,188,116,.5);font-size:13px;box-shadow:0 30px 70px rgba(0,0,0,.45)}
.phone .pmark{width:54px;height:54px;border:1.5px solid var(--gold-soft);display:flex;align-items:center;justify-content:center;color:var(--gold-soft);font-weight:800;font-size:18px;letter-spacing:.05em}
/* QR 다운로드 섹션 (download, PC 전용) */
.fsqr{background:var(--ivory);text-align:center;padding:84px 0}
.fsqr-icon{font-size:46px;margin-bottom:12px}
.fsqr h2{font-size:30px;font-weight:700;color:var(--navy);letter-spacing:-.02em;margin-bottom:10px}
.fsqr-desc{font-size:15px;color:var(--muted);margin-bottom:38px}
.fsqr-grid{display:flex;justify-content:center;gap:40px;flex-wrap:wrap}
.fsqr-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:28px 36px 24px;box-shadow:0 6px 22px rgba(13,27,62,.07);transition:transform .25s,box-shadow .25s,border-color .25s;min-width:256px}
.fsqr-card:hover{transform:translateY(-5px);box-shadow:0 14px 34px rgba(13,27,62,.13);border-color:rgba(192,146,46,.45)}
.fsqr-card .lb{font-size:16.5px;font-weight:700;color:var(--navy);margin-bottom:14px}
.fsqr-card .im{width:200px;height:200px;margin:0 auto}
.fsqr-card .im img{width:100%;height:100%;display:block;image-rendering:pixelated}
.fsqr-card .sb{margin-top:13px;font-size:12.5px;letter-spacing:.1em;color:var(--gold);font-weight:600;text-transform:uppercase}
@media(max-width:768px){.fsqr{display:none}}
/* FS 약속 강조 배너 (about) */
.fs-promise{margin-top:34px;background:linear-gradient(135deg,#0B1733,#13264e);border-radius:6px;padding:42px 50px;display:flex;gap:36px;align-items:center;position:relative;overflow:hidden}
.fs-promise::before{content:"";position:absolute;left:0;top:0;bottom:0;width:4px;background:linear-gradient(180deg,var(--gold),var(--gold-soft))}
.fs-promise::after{content:"";position:absolute;right:-90px;top:-110px;width:300px;height:300px;border:1px solid rgba(192,146,46,.16);border-radius:50%}
.fp-mark{flex-shrink:0;width:88px;height:88px;border:2px solid var(--gold);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:30px;color:var(--gold-soft);letter-spacing:.06em}
.fp-label{display:inline-block;font-size:11px;letter-spacing:.24em;color:var(--gold-soft);text-transform:uppercase;margin-bottom:10px;font-weight:600}
.fp-intro{font-size:14.5px;color:#aab8d2;margin-bottom:9px;word-break:keep-all}
.fp-tail{word-break:keep-all}
.fp-main{font-size:26px;font-weight:700;color:#fff;letter-spacing:-.015em;line-height:1.45;word-break:keep-all}
.fp-main .gd{color:var(--gold-soft)}
.fp-main .fp-en{display:inline-block;margin-left:12px;font-size:15px;color:var(--gold-soft);font-weight:600;letter-spacing:.05em;border:1px solid rgba(216,188,116,.4);padding:3px 12px;border-radius:20px;vertical-align:middle}
.fp-tail{font-size:14.5px;color:#aab8d2;margin-top:9px}
@media(max-width:768px){
  .fs-promise{flex-direction:column;text-align:center;padding:32px 22px;gap:18px}
  .fp-mark{width:66px;height:66px;font-size:23px}
  .fp-main{font-size:20px}
  .fp-main .fp-en{display:block;width:max-content;margin:10px auto 0}
}
/* 스펙 체크 행 + 인용 박스 (trial 등) */
.spec{list-style:none;margin:14px 0 0;padding:0}
.spec li{display:flex;gap:10px;align-items:baseline;padding:9px 0;border-bottom:1px dashed var(--line);font-size:14.5px;color:#3a4150;line-height:1.6}
.spec li:last-child{border-bottom:none}
.spec li::before{content:"✓";color:var(--gold);font-weight:800;flex-shrink:0}
.spec li b{color:var(--navy)}
.qbox{margin-top:16px;background:var(--ivory);border-left:3px solid var(--gold);padding:13px 16px;font-size:13px;color:var(--muted);line-height:1.75;border-radius:0 4px 4px 0}
.qbox b{color:var(--navy)}
.feat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.feat{padding:34px 30px;border:1px solid var(--line)}
.feat .ic{color:var(--gold);margin-bottom:18px}
.feat h4{font-size:17px;color:var(--navy);font-weight:700;margin-bottom:9px}
.feat p{font-size:14px;color:var(--muted);line-height:1.7}
@media(max-width:860px){.app-hero .wrap{grid-template-columns:1fr}.feat-grid{grid-template-columns:1fr}}

/* ===== MOBILE NAV (hamburger) ===== */
.navtoggle{display:none}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px 4px}
.hamburger span{width:24px;height:2px;background:var(--navy);border-radius:2px}
@media(max-width:880px){
  .nav{position:relative;height:64px}
  .hamburger{display:flex}
  nav.menu{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;gap:0;padding:4px 20px 14px;box-shadow:0 16px 28px rgba(0,0,0,.12);z-index:60}
  .navtoggle:checked ~ nav.menu{display:flex}
  nav.menu a{padding:15px 2px;border-bottom:1px solid var(--line);font-size:16px}
  nav.menu a:last-child{border-bottom:none}
  .nav-cta{display:none}
  .subnav{top:64px}
}

/* ===== MOBILE RESPONSIVE ===== */
@media(max-width:768px){
  .wrap{padding:0 20px}
  section{padding:54px 0}
  section.tight{padding:42px 0}
  .sec-head{margin-bottom:30px}
  .sec-head h2{font-size:26px}
  .sec-head p{font-size:14.5px}
  .phero{padding:44px 0 36px}
  .phero h1{font-size:29px}
  .phero p{font-size:14px}
  .fs-duo,.vals,.detail-grid,.ceo,.feat-grid{grid-template-columns:1fr}
  .vals[style],.detail-grid[style],.reco[style],.ceo[style]{grid-template-columns:1fr!important}
  .fs-letter{padding:30px 24px;gap:18px}
  .fs-letter .big{font-size:46px}
  .ceo{gap:26px}
  .ceo-ph{max-width:230px;margin:0 auto}
  .ceo .q{font-size:20px}
  .svc-row{grid-template-columns:54px 1fr;gap:14px;padding:24px 0}
  .svc-arrow{display:none}
  .svc-num{font-size:28px}
  .svc-row h3{font-size:19px}
  .step{grid-template-columns:50px 1fr;gap:14px;padding:22px 0}
  .step .n{font-size:25px}
  .tb,.info-tb{font-size:12.5px}
  .tb th,.tb td{padding:11px 8px}
  .info-tb th{width:104px;padding:12px}
  .info-tb td{padding:12px}
  [style*="repeat(5"]{grid-template-columns:1fr 1fr !important}
  .adv-grid{grid-template-columns:1fr 1fr;gap:14px}
  .profile-hero .wrap{grid-template-columns:1fr;gap:26px;text-align:center}
  .profile-ph{max-width:210px;margin:0 auto}
  .profile-creds{justify-content:center}
  .profile-hero h1{font-size:29px}
  .quote-block{font-size:18px}
  .app-hero .wrap{gap:34px}
  .app-hero h1{font-size:29px}
  .phone{width:230px;height:460px}
  .dls-row{flex-direction:column}
  .dl{width:100%}
  .qr-row{flex-wrap:wrap}
  .ft-top{grid-template-columns:1fr 1fr;gap:24px}
  .ft-brand{grid-column:1 / -1}
}
@media(max-width:480px){
  .sec-head h2{font-size:23px}
}

/* ===== MOBILE COMPACT (shorter) ===== */
@media(max-width:768px){
  .wrap{padding:0 18px}
  section{padding:38px 0}
  section.tight{padding:28px 0}
  .sec-head{margin-bottom:20px}
  .sec-head h2{font-size:24px}
  .sec-head p{margin-top:9px}
  .phero{padding:32px 0 24px}
  .phero h1{font-size:26px}
  .detail-grid,.feat-grid{grid-template-columns:1fr 1fr;gap:12px}
  .fs-duo,.vals,.ceo{gap:14px}
  .fs-letter{padding:22px 20px;gap:14px}
  .fs-letter .big{font-size:38px}
  .val{padding:22px 18px}
  .detail-card{padding:18px 16px}
  .detail-card h4{margin-bottom:6px}
  .feat{padding:20px 18px}
  .feat .ic{margin-bottom:11px}
  .ceo{gap:18px}
  .ceo-ph{max-width:160px}
  .ceo .q{font-size:19px;margin-bottom:14px}
  .ceo .body{font-size:14.5px;line-height:1.8}
  .svc-row{grid-template-columns:44px 1fr;gap:12px;padding:15px 0}
  .svc-num{font-size:24px}
  .svc-row h3{font-size:18px;margin-bottom:4px}
  .svc-row p{font-size:13.5px}
  .tags{margin-top:8px}
  .step{grid-template-columns:42px 1fr;gap:12px;padding:14px 0}
  .step .n{font-size:22px}
  .step h4{margin-bottom:4px}
  .step p{font-size:13.5px}
  .adv-grid{grid-template-columns:1fr 1fr;gap:12px}
  .adv-ph{margin-bottom:10px}
  .profile-hero{padding:34px 0}
  .profile-hero .wrap{gap:18px}
  .profile-ph{max-width:150px}
  .profile-hero h1{font-size:26px}
  .quote-block{font-size:17px;margin-bottom:16px}
  .app-hero{padding:36px 0}
  .app-hero .wrap{gap:22px}
  .app-hero h1{font-size:26px}
  .app-hero .sub{margin-bottom:18px}
  .phone{display:none}
  .dls-row{flex-direction:column;gap:10px;margin-bottom:0}
  .dl{padding:15px 22px}
  .qr-row,.qr-note{display:none}
  .ft-top{gap:16px;padding-bottom:28px}
  footer{padding:42px 0 28px}
}
@media(max-width:480px){
  .adv-grid{grid-template-columns:1fr 1fr}
  .ft-top{grid-template-columns:1fr 1fr}
}
/* horizontal icon-cards on mobile (shorter) */
@media(max-width:768px){
  .val:has(.ic),.feat{display:grid;grid-template-columns:36px 1fr;column-gap:13px;row-gap:3px;align-items:start;padding:18px}
  .val:has(.ic) .ic,.feat .ic{grid-row:1 / span 2;margin-bottom:0}
  .val:has(.ic) h4,.feat h4{margin-bottom:3px}
}

/* ===== TABS ===== */
.tabbar{display:flex;gap:6px;border-bottom:1px solid var(--line);margin-bottom:34px;overflow-x:auto}
.tabbar button{background:none;border:none;cursor:pointer;font-family:inherit;font-size:14.5px;font-weight:600;color:var(--muted);padding:13px 16px;border-bottom:2px solid transparent;white-space:nowrap}
.tabbar button:hover{color:var(--navy)}
.tabbar button.on{color:var(--gold);border-color:var(--gold)}
.tabpanel{display:none}
.tabpanel.on{display:block}

/* ===== BOARD (공지 게시판) ===== */
.board{border-top:2px solid var(--navy)}
.board-row{display:flex;gap:16px;align-items:center;padding:17px 10px;border-bottom:1px solid var(--line);cursor:pointer;transition:background .2s}
.board-row:hover{background:var(--ivory)}
.board-row .b-num{width:40px;font-size:13px;color:var(--muted);text-align:center;flex-shrink:0}
.board-row .b-tag{font-size:11px;font-weight:600;color:var(--gold);border:1px solid var(--gold);padding:3px 10px;border-radius:2px;white-space:nowrap;flex-shrink:0}
.board-row .b-tag.imp{background:var(--gold);color:#fff}
.board-row .b-title{flex:1;font-size:15px;color:var(--ink);font-weight:500}
.board-row .b-title .new{font-size:10px;color:#fff;background:var(--navy);padding:2px 6px;border-radius:2px;margin-left:8px;vertical-align:2px}
.board-row .b-date{font-size:13px;color:var(--muted);flex-shrink:0}
.board-detail{display:none;border-top:2px solid var(--navy)}
.board-detail.on{display:block}
.bd-head{padding:22px 10px;border-bottom:1px solid var(--line)}
.bd-head h3{font-size:21px;color:var(--navy);font-weight:700;margin-bottom:8px}
.bd-head .meta{font-size:13px;color:var(--muted)}
.bd-body{padding:28px 10px;font-size:15px;color:#3c4350;line-height:1.95;border-bottom:1px solid var(--line);white-space:pre-line}
.bd-back{margin-top:22px}
.board-filter{display:flex;gap:8px;margin-bottom:18px;flex-wrap:wrap}
.board-filter button{background:none;border:1px solid var(--line);font-family:inherit;font-size:12.5px;font-weight:600;color:var(--muted);padding:7px 16px;border-radius:20px;cursor:pointer}
.board-filter button.on{background:var(--navy);color:#fff;border-color:var(--navy)}

/* ===== PLAN CARDS (수수료) ===== */
.plan-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.plan{border:1px solid var(--line);padding:38px 34px;position:relative;background:#fff}
.plan .badge{position:absolute;top:0;right:24px;transform:translateY(-50%);font-size:11px;font-weight:700;letter-spacing:.06em;padding:5px 14px;border-radius:2px;background:var(--gold);color:#fff}
.plan .badge.risk{background:#8d2f2f}
.plan h3{font-size:20px;color:var(--navy);font-weight:700;margin-bottom:4px}
.plan .price{font-size:34px;font-weight:800;color:var(--navy);margin:14px 0 2px}
.plan .price small{font-size:14px;font-weight:600;color:var(--muted)}
.plan .per{font-size:12.5px;color:var(--muted);margin-bottom:20px}
.plan ul{list-style:none;border-top:1px solid var(--line);padding-top:18px}
.plan li{font-size:14px;color:#3c4350;padding:6px 0 6px 24px;position:relative}
.plan li::before{content:"✓";position:absolute;left:2px;color:var(--gold);font-weight:700}
.plan .warn{background:#faf3e8;border:1px solid rgba(192,146,46,.4);font-size:12.5px;color:#7a5b1e;padding:10px 14px;border-radius:3px;margin-bottom:14px}
@media(max-width:768px){.plan-grid{grid-template-columns:1fr}.plan{padding:26px 22px}.plan .price{font-size:28px}}

/* ===== PROCESS 4-STEP ===== */
.proc4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;counter-reset:pc}
.proc4 .pc{border:1px solid var(--line);background:#fff;padding:26px 22px;text-align:center}
.proc4 .pc::before{counter-increment:pc;content:counter(pc);display:inline-flex;width:34px;height:34px;border-radius:50%;background:var(--navy);color:var(--gold-soft);font-weight:700;align-items:center;justify-content:center;margin-bottom:14px}
.proc4 .pc h5{font-size:15.5px;color:var(--navy);font-weight:700;margin-bottom:7px}
.proc4 .pc p{font-size:13px;color:var(--muted);line-height:1.65}
@media(max-width:768px){.proc4{grid-template-columns:1fr 1fr;gap:12px}.proc4 .pc{padding:18px 14px}}

/* ===== ACCORDION (약관) ===== */
.acc{border-top:2px solid var(--navy)}
.acc-item{border-bottom:1px solid var(--line)}
.acc-q{width:100%;text-align:left;background:none;border:none;font-family:inherit;cursor:pointer;padding:18px 36px 18px 8px;font-size:15.5px;font-weight:700;color:var(--navy);position:relative}
.acc-q::after{content:"+";position:absolute;right:12px;top:50%;transform:translateY(-50%);color:var(--gold);font-size:20px;font-weight:400;transition:.2s}
.acc-item.on .acc-q::after{transform:translateY(-50%) rotate(45deg)}
.acc-a{display:none;padding:2px 8px 22px;font-size:14.5px;color:#4a515d;line-height:1.9;white-space:pre-line}
.acc-item.on .acc-a{display:block}

/* ===== QUOTE / GREETING ===== */
.greet-quote{font-size:24px;font-weight:700;color:var(--navy);line-height:1.55;border-left:3px solid var(--gold);padding:6px 0 6px 26px;margin-bottom:30px}
.greet-body h4{font-size:17px;color:var(--navy);font-weight:700;margin:30px 0 10px;display:flex;align-items:center;gap:10px}
.greet-body h4::before{content:"";width:18px;height:2px;background:var(--gold)}
.greet-body p{font-size:15px;color:#4a515d;line-height:1.95}
.greet-sign{margin-top:34px;font-size:15px;color:var(--muted)}
.greet-sign b{font-size:21px;color:var(--navy);margin-left:10px}
@media(max-width:768px){.greet-quote{font-size:19px}}

/* ===== RECO (이런 분들 추천) ===== */
.reco{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.reco div{border:1px solid var(--line);background:var(--ivory);padding:18px 20px 18px 46px;font-size:14px;color:#3c4350;line-height:1.7;position:relative}
.reco div::before{content:"✓";position:absolute;left:20px;top:18px;color:var(--gold);font-weight:800}
.reco b{color:var(--navy)}
@media(max-width:768px){.reco{grid-template-columns:1fr}}

/* ===== REFINED UI (hover polish, all pages) ===== */
.val,.detail-card,.feat{transition:box-shadow .3s,border-color .3s}
.val:hover,.detail-card:hover,.feat:hover{box-shadow:0 18px 38px rgba(13,27,62,.09);border-color:rgba(192,146,46,.42)}
.btn-gold{transition:transform .2s,box-shadow .2s,background .2s}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 12px 26px rgba(192,146,46,.34)}
.info-tb tr,.notice-row{transition:background .2s}
.notice-row:hover{background:var(--ivory)}
.faq-item .q{cursor:default}

/* ===== VISION MANIFESTO (shared) ===== */
.vision{background:radial-gradient(120% 130% at 50% 0%, rgba(18,41,84,.5) 0%, transparent 60%), linear-gradient(180deg,#0B1733,#0d1d40);color:#fff;text-align:center;position:relative;overflow:hidden;padding:0}
.vision::before{content:"";position:absolute;left:50%;top:-160px;transform:translateX(-50%);width:620px;height:620px;border:1px solid rgba(192,146,46,.12);border-radius:50%}
.vision::after{content:"";position:absolute;left:50%;top:-90px;transform:translateX(-50%);width:430px;height:430px;border:1px solid rgba(192,146,46,.09);border-radius:50%}
.vision-in{position:relative;z-index:2;max-width:940px;margin:0 auto;padding:108px 32px}
.vision .label{justify-content:center;color:var(--gold-soft)}
.vision .label::before{background:var(--gold-soft)}
.vision h2{font-size:46px;line-height:1.3;font-weight:800;letter-spacing:-.025em;margin:22px 0 30px;color:#fff}
.vision h2 .gold{color:var(--gold-soft)}
.vision .lead{font-size:16.5px;line-height:1.95;color:#c5cfe2;max-width:780px;margin:0 auto}
.vision .lead b{color:#fff;font-weight:600}
.vision .rule{width:60px;height:2px;background:var(--gold);margin:34px auto 0}
.vision .sign{margin-top:20px;font-size:14.5px;color:var(--gold-soft);letter-spacing:.02em}
@media(max-width:768px){.vision-in{padding:60px 20px}.vision h2{font-size:28px}.vision .lead{font-size:14.5px}}

/* ===== real portrait photos (assets/) ===== */
.adv-ph{overflow:hidden;position:relative}
.adv-ph img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 20%;display:block}
.ceo-ph{overflow:hidden;position:relative}
.ceo-ph img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 18%;display:block}
a.adv-card:hover .adv-ph img{transform:scale(1.04);transition:transform .4s ease}
.adv-ph img{transition:transform .4s ease}

/* FAQ / NOTICE */
.faq-item{border-bottom:1px solid var(--line);padding:24px 0}
.faq-item .q{font-size:16px;font-weight:700;color:var(--navy);display:flex;gap:12px}
.faq-item .q::before{content:"Q";color:var(--gold);font-weight:800}
.faq-item .a{font-size:14.5px;color:var(--muted);line-height:1.8;margin-top:10px;padding-left:24px}
.notice-list{border-top:2px solid var(--navy)}
.notice-row{display:flex;gap:20px;align-items:center;padding:18px 8px;border-bottom:1px solid var(--line)}
.notice-row .tag{font-size:11px;font-weight:600;color:var(--gold);border:1px solid var(--gold);padding:3px 10px;border-radius:2px;white-space:nowrap}
.notice-row .ti{flex:1;font-size:15px;color:var(--ink)}
.notice-row .dt{font-size:13px;color:var(--muted)}
.legal-block{font-size:14px;color:#4a515d;line-height:1.95}
.legal-block h4{font-size:16px;color:var(--navy);font-weight:700;margin:24px 0 10px}

/* FOOTER */
footer{background:#0A1530;color:#9aa6be;padding:70px 0 40px;font-size:13.5px}
.ft-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px;padding-bottom:44px;border-bottom:1px solid var(--line-dark)}
.ft-brand .bn{color:#fff;font-weight:700;font-size:18px}
.ft-brand .bs{font-size:10px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-soft);margin-bottom:16px}
.ft-brand p{font-size:13px;line-height:1.8;max-width:300px}
.ft-col h5{color:#fff;font-size:13px;font-weight:700;margin-bottom:16px;letter-spacing:.02em}
.ft-col a{display:block;padding:5px 0;color:#9aa6be}
.ft-col a:hover{color:var(--gold-soft)}
.ft-reg{padding:26px 0;font-size:12.5px;line-height:1.9;border-bottom:1px solid var(--line-dark);color:#8492ad}
.ft-reg .ph{color:var(--gold-soft);border-bottom:1px dotted var(--gold-soft)}
.ft-risk{padding-top:24px;font-size:12px;color:#6f7c97;line-height:1.8}

@media(max-width:880px){
  nav.menu{display:none}
  .fs-duo,.vals,.detail-grid,.ceo,.adv-grid,.ft-top{grid-template-columns:1fr}
  .hero h1{font-size:48px}.phero h1{font-size:34px}
}