/**
 * 스마일대부 03 - 스타일시트
 * 밝은 하늘색 그라데이션 테마
 */

/* ========================================
   CSS Variables
   ======================================== */
:root {
    --primary-color: #00b4d8;
    --primary-dark: #0096c7;
    --primary-light: #90e0ef;
    --secondary-color: #48cae4;
    --accent-color: #f77f00;
    --text-dark: #1a1a2e;
    --text-gray: #6b7280;
    --text-light: #9ca3af;
    --bg-gradient: linear-gradient(180deg, #caf0f8 0%, #ade8f4 50%, #90e0ef 100%);
    --bg-light: #f8fdff;
    --bg-white: #ffffff;
    --border-color: #e5e7eb;
    --kakao-yellow: #fee500;
    --font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, sans-serif;
}

/* ========================================
   Reset & Base
   ======================================== */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: var(--font-family);
    color: var(--text-dark);
    line-height: 1.6;
    background: var(--bg-white);
    padding-top: 90px; /* 플로팅 헤더 높이 */
}

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

img {
    max-width: 100%;
    height: auto;
}

/* 데스크톱/모바일 배경 이미지 전환 */
.bg-mobile {
    display: none;
}

ul, ol {
    list-style: none;
}

/* ========================================
   Floating Header
   ======================================== */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    background: #fff;
    box-shadow: 0 2px 20px rgba(0, 0, 0, 0.1);
    z-index: 1000;
}

/* 상단 정보바 (데스크톱에서 숨김) */
.header-top {
    display: none;
    background: #1a1a1a;
    padding: 8px 0;
    text-align: center;
}

.header-top p {
    font-size: 11px;
    color: #fff;
    margin: 0;
    line-height: 1.4;
}

.header-inner {
    max-width: 1400px;
    margin: 0 auto;
    padding: 12px 40px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 30px;
}

/* 로고 영역 */
.header-logo {
    flex-shrink: 0;
}

.logo {
    font-size: 28px;
    font-weight: 800;
    color: var(--primary-color);
    display: block;
    margin-bottom: 4px;
}

.company-info {
    font-size: 11px;
    color: var(--text-gray);
    white-space: nowrap;
}

/* 간편신청 폼 */
.header-form {
    display: flex;
    align-items: center;
    gap: 16px;
    flex: 1;
    max-width: 700px;
}

.form-label {
    font-size: 14px;
    font-weight: 700;
    color: var(--text-dark);
    white-space: nowrap;
}

.quick-form {
    display: flex;
    align-items: center;
    gap: 8px;
    flex: 1;
}

.quick-form input,
.quick-form select {
    padding: 10px 14px;
    border: 1px solid var(--border-color);
    border-radius: 8px;
    font-size: 13px;
    font-family: var(--font-family);
    color: var(--text-dark);
    background: #fff;
    min-width: 100px;
}

.quick-form input:focus,
.quick-form select:focus {
    outline: none;
    border-color: var(--primary-color);
}

.quick-form input::placeholder {
    color: var(--text-light);
}

.btn-quick-submit {
    padding: 10px 20px;
    background: var(--primary-color);
    color: #fff;
    border: none;
    border-radius: 8px;
    font-size: 13px;
    font-weight: 600;
    font-family: var(--font-family);
    cursor: pointer;
    white-space: nowrap;
    transition: all 0.3s ease;
}

.btn-quick-submit:hover {
    background: var(--primary-dark);
}

/* 전화번호 + 카카오톡 */
.header-right {
    display: flex;
    align-items: center;
    gap: 12px;
    flex-shrink: 0;
}

.header-phone-link {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 10px 16px;
    background: #f1f5f9;
    border-radius: 8px;
    transition: all 0.3s ease;
}

.header-phone-link:hover {
    background: #e2e8f0;
}

.header-phone-link i {
    font-size: 16px;
    color: var(--primary-color);
}

.phone-number {
    font-size: 18px;
    font-weight: 700;
    color: var(--text-dark);
    letter-spacing: -0.5px;
}

.header-kakao-btn {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 10px 16px;
    background: #fee500;
    border-radius: 8px;
    transition: all 0.3s ease;
}

.header-kakao-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(254, 229, 0, 0.4);
}

.header-kakao-btn i {
    font-size: 16px;
    color: #3c1e1e;
}

.header-kakao-btn span {
    font-size: 14px;
    font-weight: 600;
    color: #3c1e1e;
}

/* Header 반응형 - 태블릿 */
@media (max-width: 1200px) {
    .header-inner {
        padding: 12px 20px;
        gap: 20px;
    }

    .header-form {
        max-width: 500px;
    }

    .quick-form input,
    .quick-form select {
        min-width: 80px;
        padding: 8px 10px;
        font-size: 12px;
    }

    .btn-quick-submit {
        padding: 8px 14px;
        font-size: 12px;
    }

    .header-right {
        gap: 8px;
    }

    .header-phone-link,
    .header-kakao-btn {
        padding: 8px 12px;
    }

    .phone-number {
        font-size: 16px;
    }

    .header-kakao-btn span {
        font-size: 13px;
    }
}

/* Header 반응형 - 모바일 */
@media (max-width: 900px) {
    /* 모바일 배경 이미지 전환 */
    .bg-desktop {
        display: none;
    }
    .bg-mobile {
        display: block;
    }

    body {
        padding-top: 100px; /* header-top + header-inner */
    }

    /* 상단 정보바 모바일에서 표시 */
    .header-top {
        display: block;
    }

    .header-inner {
        flex-wrap: wrap;
        padding: 10px 16px;
        gap: 10px;
    }

    .header-logo {
        order: 1;
    }

    .header-right {
        order: 2;
        margin-left: auto;
        gap: 8px;
    }

    .header-form {
        order: 3;
        width: 100%;
        max-width: 100%;
        display: none; /* 모바일에서 숨김 */
    }

    .company-info {
        display: none;
    }

    .logo {
        font-size: 20px;
    }

    /* 전화버튼 - 아이콘만 표시 */
    .header-phone-link {
        padding: 10px;
        border-radius: 50%;
        width: 44px;
        height: 44px;
        justify-content: center;
    }

    .header-phone-link i {
        font-size: 18px;
    }

    .phone-number {
        display: none;
    }

    /* 카카오톡 버튼 - 아이콘만 표시 */
    .header-kakao-btn {
        padding: 10px;
        border-radius: 50%;
        width: 44px;
        height: 44px;
        justify-content: center;
    }

    .header-kakao-btn i {
        font-size: 18px;
    }

    .header-kakao-btn span {
        display: none;
    }
}

/* ========================================
   Hero Section
   ======================================== */
.hero {
    position: relative;
    overflow: hidden;
}

/* 전체 배경 이미지 */
.hero-bg {
    display: block;
    width: 100%;
}

.hero-bg img {
    width: 100%;
    display: block;
}

/* 좌측 파란색 카드 */
.hero-card {
    position: absolute;
    top: 0;
    left: 0;
    width: 60%;
    height: 100%;
    z-index: 2;
    background: linear-gradient(135deg, #2563eb 0%, #3b82f6 100%);
    padding: 80px 100px 80px 80px;
    border-radius: 0 0 80px 0;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.hero-label {
    font-size: 24px;
    color: #fff;
    margin-bottom: 20px;
    font-weight: 600;
}

.hero-title {
    font-size: 52px;
    font-weight: 800;
    color: #fff;
    line-height: 1.3;
    margin-bottom: 24px;
}

.hero-brand {
    color: #fbbf24;
    font-size: 56px;
}

.hero-subtitle {
    font-size: 24px;
    color: #fff;
    font-weight: 600;
    margin-bottom: 16px;
}

.hero-desc {
    font-size: 20px;
    color: rgba(255, 255, 255, 0.9);
    margin-bottom: 40px;
    line-height: 1.6;
}

/* CTA 버튼들 */
.hero-buttons {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}

.btn-kakao {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: #fee500;
    color: #3c1e1e;
    padding: 18px 36px;
    border-radius: 50px;
    font-size: 17px;
    font-weight: 700;
    transition: all 0.3s ease;
}

.btn-kakao:hover {
    transform: translateY(-3px);
    box-shadow: 0 10px 30px rgba(254, 229, 0, 0.4);
}

.btn-kakao i {
    font-size: 20px;
}

.btn-consult {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: #fff;
    color: #2563eb;
    padding: 18px 36px;
    border-radius: 50px;
    font-size: 17px;
    font-weight: 700;
    transition: all 0.3s ease;
}

.btn-consult:hover {
    transform: translateY(-3px);
    box-shadow: 0 10px 30px rgba(255, 255, 255, 0.3);
}

.btn-consult i {
    font-size: 18px;
}

/* Hero 반응형 - 태블릿 */
@media (max-width: 1024px) {
    .hero-card {
        width: 70%;
        padding: 60px 40px;
        border-radius: 0 0 60px 0;
    }

    .hero-label {
        font-size: 20px;
    }

    .hero-title {
        font-size: 38px;
    }

    .hero-brand {
        font-size: 42px;
    }

    .hero-subtitle {
        font-size: 20px;
    }

    .hero-desc {
        font-size: 16px;
        margin-bottom: 30px;
    }

    .btn-kakao,
    .btn-consult {
        padding: 16px 28px;
        font-size: 15px;
    }
}

/* Hero 반응형 - 모바일 */
@media (max-width: 768px) {
    .hero {
        overflow: visible;
    }

    /* 모바일에서 배경 이미지 숨김 */
    .hero-bg {
        display: none;
    }

    .hero-card {
        width: 100%;
        padding: 50px 24px 60px;
        border-radius: 0;
        position: relative;
        min-height: auto;
        background: linear-gradient(135deg, #2563eb 0%, #1d4ed8 50%, #3b82f6 100%);
    }

    .hero-title {
        font-size: 26px;
        line-height: 1.4;
        margin-bottom: 16px;
    }

    .hero-brand {
        font-size: 30px;
        display: block;
        margin-top: 8px;
    }

    .hero-desc {
        font-size: 14px;
        margin-bottom: 28px;
        line-height: 1.7;
        color: rgba(255, 255, 255, 0.9);
    }

    .hero-desc br {
        display: none;
    }

    .hero-buttons {
        flex-direction: column;
        gap: 12px;
    }

    .btn-kakao,
    .btn-consult {
        padding: 16px 24px;
        font-size: 15px;
        justify-content: center;
        width: 100%;
        border-radius: 12px;
    }

    .btn-kakao {
        box-shadow: 0 4px 15px rgba(254, 229, 0, 0.3);
    }

    .btn-consult {
        box-shadow: 0 4px 15px rgba(255, 255, 255, 0.2);
    }
}

/* ========================================
   Section 2: Features (특징)
   ======================================== */
.features {
    background: #fff;
    padding: 80px 0;
}

.features-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 40px;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
}

.feature-item {
    text-align: center;
    padding: 40px 24px;
    background: var(--bg-light);
    border-radius: 20px;
    transition: all 0.3s ease;
}

.feature-item:hover {
    transform: translateY(-10px);
    box-shadow: 0 20px 40px rgba(0, 180, 216, 0.15);
}

.feature-icon {
    width: 80px;
    height: 80px;
    margin: 0 auto 20px;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--secondary-color) 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
}

.feature-icon i {
    font-size: 32px;
    color: #fff;
}

.feature-item h3 {
    font-size: 20px;
    font-weight: 700;
    color: var(--text-dark);
    margin-bottom: 12px;
}

.feature-item p {
    font-size: 14px;
    color: var(--text-gray);
    line-height: 1.6;
}

/* Features 반응형 */
@media (max-width: 1024px) {
    .features {
        padding: 60px 0;
    }

    .features-inner {
        grid-template-columns: repeat(2, 1fr);
        padding: 0 30px;
        gap: 20px;
    }

    .feature-item {
        padding: 30px 20px;
    }

    .feature-icon {
        width: 70px;
        height: 70px;
    }

    .feature-icon i {
        font-size: 28px;
    }
}

@media (max-width: 768px) {
    .features {
        padding: 50px 0;
    }

    .features-inner {
        padding: 0 20px;
        gap: 16px;
    }

    .feature-item {
        padding: 24px 16px;
        border-radius: 16px;
    }

    .feature-icon {
        width: 60px;
        height: 60px;
        margin-bottom: 16px;
    }

    .feature-icon i {
        font-size: 24px;
    }

    .feature-item h3 {
        font-size: 16px;
        margin-bottom: 8px;
    }

    .feature-item p {
        font-size: 13px;
    }

    .feature-item p br {
        display: none;
    }
}

/* ========================================
   Section 3: Loan Products (대출 상품 안내)
   ======================================== */
.loan-products {
    background: linear-gradient(180deg, #e8f4fc 0%, #d1ecf8 100%);
    padding: 80px 0;
}

/* 섹션 헤더 */
.loan-products-header {
    text-align: center;
    margin-bottom: 50px;
}

.loan-products-subtitle {
    font-size: 18px;
    color: #2563eb;
    font-weight: 600;
    margin-bottom: 10px;
}

.loan-products-title {
    font-size: 48px;
    font-weight: 800;
    color: #1a1a2e;
}

/* 상단: 대출 상품 카드 4개 */
.loan-products-cards {
    max-width: 1400px;
    margin: 0 auto;
    padding: 0 40px 60px;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.loan-card {
    background: #fff;
    border-radius: 16px;
    overflow: hidden;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
    transition: all 0.3s ease;
}

.loan-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 12px 40px rgba(0, 0, 0, 0.15);
}

.loan-card-image {
    width: 100%;
    height: 180px;
    overflow: hidden;
}

.loan-card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.3s ease;
}

.loan-card:hover .loan-card-image img {
    transform: scale(1.05);
}

.loan-card-title {
    font-size: 22px;
    font-weight: 700;
    color: #2563eb;
    text-align: center;
    padding: 20px 16px 12px;
}

.loan-card-desc {
    font-size: 14px;
    color: #6b7280;
    text-align: center;
    padding: 0 16px 24px;
    line-height: 1.6;
}

/* 하단: 대출 조건 테이블 */
.loan-conditions {
    background: transparent;
    padding: 0 40px 20px;
}

.loan-conditions-inner {
    max-width: 1000px;
    margin: 0 auto;
    border: 2px solid #e5e7eb;
    border-radius: 16px;
    overflow: hidden;
}

.condition-row {
    display: flex;
    align-items: stretch;
    border-bottom: 1px solid #e5e7eb;
}

.condition-row:last-child {
    border-bottom: none;
}

.condition-label {
    width: 140px;
    flex-shrink: 0;
    background: linear-gradient(135deg, #2563eb 0%, #3b82f6 100%);
    color: #fff;
    font-size: 15px;
    font-weight: 600;
    padding: 18px 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
}

.condition-value {
    flex: 1;
    padding: 18px 24px;
    font-size: 15px;
    color: #1f2937;
    font-weight: 500;
    display: flex;
    align-items: center;
    background: #fff;
}

/* Loan Products 반응형 - 태블릿 */
@media (max-width: 1024px) {
    .loan-products {
        padding: 60px 0;
    }

    .loan-products-header {
        margin-bottom: 40px;
    }

    .loan-products-title {
        font-size: 38px;
    }

    .loan-products-cards {
        grid-template-columns: repeat(2, 1fr);
        padding: 0 30px 50px;
        gap: 20px;
    }

    .loan-card-image {
        height: 160px;
    }

    .loan-card-title {
        font-size: 20px;
        padding: 16px 12px 10px;
    }

    .loan-card-desc {
        font-size: 13px;
        padding: 0 12px 20px;
    }

    .loan-conditions {
        padding: 0 30px 20px;
    }

    .condition-label {
        width: 120px;
        font-size: 14px;
        padding: 16px;
    }

    .condition-value {
        font-size: 14px;
        padding: 16px 20px;
    }
}

/* Loan Products 반응형 - 모바일 */
@media (max-width: 768px) {
    .loan-products {
        padding: 50px 0;
    }

    .loan-products-header {
        margin-bottom: 30px;
        padding: 0 20px;
    }

    .loan-products-subtitle {
        font-size: 16px;
    }

    .loan-products-title {
        font-size: 30px;
    }

    .loan-products-cards {
        grid-template-columns: repeat(2, 1fr);
        padding: 0 20px 40px;
        gap: 16px;
    }

    .loan-card-image {
        height: 120px;
    }

    .loan-card-title {
        font-size: 16px;
        padding: 14px 10px 8px;
    }

    .loan-card-desc {
        font-size: 12px;
        padding: 0 10px 16px;
    }

    .loan-card-desc br {
        display: none;
    }

    .loan-conditions {
        padding: 0 20px 20px;
    }

    .loan-conditions-inner {
        border-radius: 12px;
    }

    .condition-row {
        flex-direction: column;
    }

    .condition-label {
        width: 100%;
        padding: 12px 16px;
        font-size: 14px;
    }

    .condition-value {
        padding: 14px 16px;
        font-size: 14px;
    }
}

/* 기존 loan-info 스타일 유지 (다른 곳에서 사용할 수 있음) */
.loan-info-image {
    display: flex;
    justify-content: center;
}

.loan-info-image img {
    width: 100%;
    max-width: 500px;
    border-radius: 24px;
    box-shadow: 0 30px 60px rgba(0, 0, 0, 0.2);
}

/* Loan Info 반응형 */
@media (max-width: 1024px) {
    .loan-info {
        padding: 80px 0;
    }

    .loan-info-inner {
        grid-template-columns: 1fr;
        padding: 0 30px;
        gap: 50px;
        text-align: center;
    }

    .loan-info-title {
        font-size: 32px;
    }

    .loan-info-desc {
        font-size: 16px;
    }

    .loan-info-desc br {
        display: none;
    }

    .loan-info-list {
        text-align: left;
    }

    .loan-info-image {
        order: -1;
    }

    .loan-info-image img {
        max-width: 400px;
    }
}

@media (max-width: 768px) {
    .loan-info {
        padding: 60px 0;
    }

    .loan-info-inner {
        padding: 0 20px;
        gap: 40px;
    }

    .loan-info-title {
        font-size: 26px;
    }

    .loan-info-desc {
        font-size: 15px;
        margin-bottom: 30px;
    }

    .loan-info-list {
        padding: 20px;
    }

    .loan-info-list li {
        padding: 12px 0;
    }

    .loan-info-list .info-label {
        font-size: 14px;
        min-width: 70px;
    }

    .loan-info-list .info-value {
        font-size: 15px;
    }

    .loan-info-image img {
        max-width: 100%;
        border-radius: 16px;
    }
}

/* ========================================
   Section 4: Realtime (실시간 신청현황)
   ======================================== */
.realtime {
    background: var(--bg-light);
    padding: 100px 0;
}

.realtime-inner {
    max-width: 800px;
    margin: 0 auto;
    padding: 0 40px;
}

/* 상단 타이틀 */
.realtime-header {
    text-align: center;
    margin-bottom: 40px;
}

.realtime-subtitle {
    font-size: 18px;
    color: var(--primary-color);
    font-weight: 600;
    margin-bottom: 8px;
}

.realtime-title {
    font-size: 36px;
    font-weight: 800;
    color: var(--text-dark);
}

/* 실시간 현황 카드 */
.realtime-card {
    background: #fff;
    border-radius: 24px;
    padding: 32px;
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.08);
}

/* 테이블 헤더 */
.realtime-table-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 16px 20px;
    background: var(--bg-light);
    border-radius: 12px;
    margin-bottom: 16px;
}

.realtime-table-header span {
    font-size: 14px;
    font-weight: 700;
    color: var(--text-gray);
}

.realtime-table-header span:first-child {
    min-width: 60px;
}

.realtime-table-header span:nth-child(2) {
    flex: 1;
    text-align: center;
}

.realtime-table-header span:last-child {
    min-width: 80px;
    text-align: center;
}

.realtime-list-container {
    height: 360px;
    overflow: hidden;
}

.realtime-list {
    animation: scrollUp 15s linear infinite;
}

@keyframes scrollUp {
    0% {
        transform: translateY(0);
    }
    100% {
        transform: translateY(-50%);
    }
}

.realtime-item {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 16px 20px;
    border-bottom: 1px solid #f0f0f0;
}

.realtime-item:last-child {
    border-bottom: none;
}

.realtime-name {
    font-size: 16px;
    font-weight: 600;
    color: var(--text-dark);
    min-width: 60px;
}

.realtime-amount {
    font-size: 18px;
    font-weight: 700;
    color: var(--primary-color);
    flex: 1;
    text-align: center;
}

.realtime-status {
    font-size: 14px;
    font-weight: 600;
    padding: 6px 14px;
    border-radius: 20px;
    min-width: 80px;
    text-align: center;
}

/* 상태별 색상 */
.status-complete {
    background: #dcfce7;
    color: #166534;
}

.status-consulting {
    background: #fef3c7;
    color: #92400e;
}

.status-done {
    background: #dbeafe;
    color: #1e40af;
}

.status-waiting {
    background: #f3e8ff;
    color: #7c3aed;
}

.status-apply {
    background: #fee2e2;
    color: #dc2626;
}

/* Realtime 반응형 */
@media (max-width: 1024px) {
    .realtime {
        padding: 80px 0;
    }

    .realtime-inner {
        padding: 0 30px;
    }

    .realtime-title {
        font-size: 30px;
    }

    .realtime-card {
        padding: 24px;
    }

    .realtime-list-container {
        height: 320px;
    }
}

@media (max-width: 768px) {
    .realtime {
        padding: 60px 0;
    }

    .realtime-inner {
        padding: 0 20px;
    }

    .realtime-header {
        margin-bottom: 30px;
    }

    .realtime-subtitle {
        font-size: 16px;
    }

    .realtime-title {
        font-size: 24px;
    }

    .realtime-card {
        padding: 20px 16px;
        border-radius: 16px;
    }

    .realtime-list-container {
        height: 280px;
    }

    .realtime-item {
        padding: 12px 12px;
    }

    .realtime-name {
        font-size: 14px;
        min-width: 50px;
    }

    .realtime-amount {
        font-size: 15px;
    }

    .realtime-status {
        font-size: 12px;
        padding: 4px 10px;
        min-width: 70px;
    }

    .realtime-table-header {
        padding: 12px 12px;
    }

    .realtime-table-header span {
        font-size: 12px;
    }

    .realtime-table-header span:first-child {
        min-width: 50px;
    }

    .realtime-table-header span:last-child {
        min-width: 70px;
    }
}

/* ========================================
   Section 5: Loan Features (대출 특징)
   ======================================== */
.loan-features {
    position: relative;
    overflow: hidden;
    padding: 100px 0;
}

.loan-features-bg {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    z-index: 1;
}

.loan-features-bg img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.loan-features-overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0, 0, 0, 0.7);
    z-index: 2;
}

.loan-features-inner {
    position: relative;
    z-index: 3;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 40px;
}

/* 헤더 텍스트 */
.loan-features-header {
    text-align: center;
    margin-bottom: 60px;
}

.loan-features-subtitle {
    font-size: 20px;
    color: #fbbf24;
    font-weight: 600;
    margin-bottom: 12px;
}

.loan-features-title {
    font-size: 42px;
    font-weight: 800;
    color: #fff;
    margin-bottom: 20px;
}

.loan-features-title span {
    color: #fbbf24;
}

.loan-features-desc {
    font-size: 18px;
    color: rgba(255, 255, 255, 0.85);
    line-height: 1.8;
}

/* 4개 카드 그리드 */
.loan-features-cards {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.loan-feature-card {
    background: #fff;
    border-radius: 16px;
    padding: 40px 24px;
    text-align: center;
    transition: all 0.3s ease;
}

.loan-feature-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.2);
}

.loan-feature-icon {
    width: 80px;
    height: 80px;
    margin: 0 auto 24px;
    background: linear-gradient(135deg, #10b981 0%, #059669 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
}

.loan-feature-icon i {
    font-size: 32px;
    color: #fff;
}

.loan-feature-title {
    font-size: 20px;
    font-weight: 700;
    color: #1a1a2e;
    margin-bottom: 12px;
}

.loan-feature-desc {
    font-size: 14px;
    color: #6b7280;
    line-height: 1.7;
}

/* Loan Features 반응형 - 태블릿 */
@media (max-width: 1024px) {
    .loan-features {
        padding: 80px 0;
    }

    .loan-features-inner {
        padding: 0 30px;
    }

    .loan-features-header {
        margin-bottom: 50px;
    }

    .loan-features-subtitle {
        font-size: 18px;
    }

    .loan-features-title {
        font-size: 34px;
    }

    .loan-features-desc {
        font-size: 16px;
    }

    .loan-features-cards {
        grid-template-columns: repeat(2, 1fr);
        gap: 20px;
    }

    .loan-feature-card {
        padding: 32px 20px;
    }

    .loan-feature-icon {
        width: 70px;
        height: 70px;
    }

    .loan-feature-icon i {
        font-size: 28px;
    }

    .loan-feature-title {
        font-size: 18px;
    }
}

/* Loan Features 반응형 - 모바일 */
@media (max-width: 768px) {
    .loan-features {
        padding: 60px 0;
    }

    .loan-features-inner {
        padding: 0 20px;
    }

    .loan-features-header {
        margin-bottom: 40px;
    }

    .loan-features-subtitle {
        font-size: 16px;
    }

    .loan-features-title {
        font-size: 26px;
        margin-bottom: 16px;
    }

    .loan-features-desc {
        font-size: 14px;
    }

    .loan-features-desc br {
        display: none;
    }

    .loan-features-cards {
        grid-template-columns: repeat(2, 1fr);
        gap: 16px;
    }

    .loan-feature-card {
        padding: 24px 16px;
        border-radius: 12px;
    }

    .loan-feature-icon {
        width: 60px;
        height: 60px;
        margin-bottom: 16px;
    }

    .loan-feature-icon i {
        font-size: 24px;
    }

    .loan-feature-title {
        font-size: 15px;
        margin-bottom: 8px;
    }

    .loan-feature-desc {
        font-size: 12px;
    }

    .loan-feature-desc br {
        display: none;
    }
}

/* ========================================
   Section 7: Contact (간편상담신청) - 리디자인
   ======================================== */
.contact {
    position: relative;
    padding: 120px 0;
    overflow: hidden;
}

.contact-bg {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    z-index: 1;
}

.contact-bg img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.contact-overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, rgba(37, 99, 235, 0.9) 0%, rgba(6, 182, 212, 0.85) 100%);
    z-index: 2;
}

.contact-inner {
    position: relative;
    z-index: 3;
    max-width: 600px;
    margin: 0 auto;
    padding: 0 20px;
}

/* 중앙 카드 */
.contact-card {
    background: #fff;
    border-radius: 24px;
    padding: 50px 40px;
    box-shadow: 0 30px 60px rgba(0, 0, 0, 0.2);
}

/* 헤더 */
.contact-header {
    text-align: center;
    margin-bottom: 32px;
}

.contact-badge {
    display: inline-block;
    background: linear-gradient(135deg, #10b981 0%, #059669 100%);
    color: #fff;
    font-size: 13px;
    font-weight: 600;
    padding: 6px 16px;
    border-radius: 20px;
    margin-bottom: 16px;
}

.contact-title {
    font-size: 36px;
    font-weight: 800;
    color: #1a1a2e;
    margin-bottom: 10px;
}

.contact-desc {
    font-size: 15px;
    color: #6b7280;
}

/* 대출 정보 그리드 */
.contact-info-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
    margin-bottom: 32px;
    padding: 24px;
    background: #f8fafc;
    border-radius: 16px;
}

.info-item {
    display: flex;
    align-items: center;
    gap: 12px;
}

.info-item i {
    width: 40px;
    height: 40px;
    background: linear-gradient(135deg, #2563eb 0%, #3b82f6 100%);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    font-size: 16px;
    flex-shrink: 0;
}

.info-text {
    display: flex;
    flex-direction: column;
    gap: 2px;
}

.info-text .info-label {
    font-size: 12px;
    color: #9ca3af;
    font-weight: 500;
}

.info-text .info-value {
    font-size: 15px;
    color: #1a1a2e;
    font-weight: 700;
}

/* 신청 폼 */
.contact-form {
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin-bottom: 24px;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
}

.form-group {
    display: flex;
    flex-direction: column;
}

.form-group input,
.form-group select {
    padding: 16px 18px;
    border: 2px solid #e5e7eb;
    border-radius: 12px;
    font-size: 15px;
    font-family: var(--font-family);
    color: #1a1a2e;
    transition: all 0.3s ease;
    background: #fff;
}

.form-group input:focus,
.form-group select:focus {
    outline: none;
    border-color: #2563eb;
    box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.1);
}

.form-group input::placeholder {
    color: #9ca3af;
}

.btn-submit {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    padding: 18px 40px;
    background: linear-gradient(135deg, #2563eb 0%, #1d4ed8 100%);
    color: #fff;
    font-size: 17px;
    font-weight: 700;
    font-family: var(--font-family);
    border: none;
    border-radius: 12px;
    cursor: pointer;
    transition: all 0.3s ease;
}

.btn-submit:hover {
    transform: translateY(-3px);
    box-shadow: 0 15px 30px rgba(37, 99, 235, 0.4);
}

.btn-submit i {
    font-size: 16px;
}

/* 하단 버튼들 */
.contact-buttons {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
}

.contact-buttons .btn-call,
.contact-buttons .btn-kakao {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 20px;
    border-radius: 12px;
    font-size: 15px;
    font-weight: 600;
    transition: all 0.3s ease;
}

.contact-buttons .btn-call {
    background: #f1f5f9;
    color: #1a1a2e;
}

.contact-buttons .btn-call:hover {
    background: #e2e8f0;
}

.contact-buttons .btn-call i {
    color: #2563eb;
}

.contact-buttons .btn-kakao {
    background: #fee500;
    color: #3c1e1e;
}

.contact-buttons .btn-kakao:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(254, 229, 0, 0.4);
}

/* Contact 반응형 - 태블릿 */
@media (max-width: 1024px) {
    .contact {
        padding: 100px 0;
    }

    .contact-card {
        padding: 40px 32px;
    }

    .contact-title {
        font-size: 32px;
    }
}

/* Contact 반응형 - 모바일 */
@media (max-width: 768px) {
    .contact {
        padding: 80px 0;
    }

    .contact-inner {
        padding: 0 16px;
    }

    .contact-card {
        padding: 32px 24px;
        border-radius: 20px;
    }

    .contact-badge {
        font-size: 12px;
        padding: 5px 14px;
    }

    .contact-title {
        font-size: 26px;
    }

    .contact-desc {
        font-size: 14px;
    }

    .contact-info-grid {
        grid-template-columns: 1fr;
        gap: 14px;
        padding: 20px;
    }

    .info-item i {
        width: 36px;
        height: 36px;
        font-size: 14px;
    }

    .info-text .info-label {
        font-size: 11px;
    }

    .info-text .info-value {
        font-size: 14px;
    }

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

    .form-group input,
    .form-group select {
        padding: 14px 16px;
        font-size: 14px;
    }

    .btn-submit {
        padding: 16px 30px;
        font-size: 16px;
    }

    .contact-buttons {
        grid-template-columns: 1fr;
    }

    .contact-buttons .btn-call,
    .contact-buttons .btn-kakao {
        padding: 14px 20px;
        font-size: 14px;
    }
}

/* ========================================
   Section 8: Loan Process (간편한 대출절차) - 타임라인 스타일
   ======================================== */
.loan-process {
    background: #fff;
    padding: 100px 0;
}

.loan-process-inner {
    max-width: 800px;
    margin: 0 auto;
    padding: 0 40px;
}

/* 상단 헤더 */
.loan-process-header {
    text-align: center;
    margin-bottom: 50px;
}

.loan-process-subtitle {
    font-size: 15px;
    color: var(--primary-color);
    font-weight: 600;
    margin-bottom: 8px;
}

.loan-process-title {
    font-size: 36px;
    font-weight: 800;
    color: #1a1a2e;
    margin-bottom: 12px;
}

.loan-process-desc {
    font-size: 15px;
    color: #6b7280;
    line-height: 1.7;
}

/* 타임라인 컨테이너 */
.loan-process-timeline {
    display: flex;
    flex-direction: column;
    gap: 0;
    border: 1px solid #e5e7eb;
    border-radius: 16px;
    overflow: hidden;
}

/* 타임라인 스텝 */
.timeline-step {
    display: flex;
    align-items: center;
    gap: 24px;
    padding: 24px 28px;
    background: #fff;
    border-bottom: 1px solid #e5e7eb;
    transition: all 0.3s ease;
}

.timeline-step:last-child {
    border-bottom: none;
}

.timeline-step:hover {
    background: #f8fafc;
}

/* 스텝 번호 */
.timeline-num {
    width: 48px;
    height: 48px;
    background: var(--primary-color);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 16px;
    font-weight: 700;
    color: #fff;
    flex-shrink: 0;
}

/* 컨텐츠 */
.timeline-content {
    flex: 1;
}

.timeline-title {
    font-size: 17px;
    font-weight: 700;
    color: #1a1a2e;
    margin-bottom: 4px;
}

.timeline-desc {
    font-size: 14px;
    color: #6b7280;
    line-height: 1.5;
}

/* 아이콘 */
.timeline-icon {
    width: 40px;
    height: 40px;
    background: #f0f9ff;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.timeline-icon i {
    font-size: 18px;
    color: var(--primary-color);
}

/* Loan Process 반응형 - 태블릿 */
@media (max-width: 1024px) {
    .loan-process {
        padding: 80px 0;
    }

    .loan-process-inner {
        padding: 0 30px;
    }

    .loan-process-header {
        margin-bottom: 50px;
    }

    .loan-process-title {
        font-size: 34px;
    }

    .timeline-step {
        padding: 24px 28px;
        gap: 24px;
    }

    .timeline-num {
        width: 46px;
        height: 46px;
        font-size: 15px;
    }

    .timeline-title {
        font-size: 18px;
    }

    .timeline-desc {
        font-size: 13px;
    }

    .timeline-icon {
        width: 38px;
        height: 38px;
    }

    .timeline-icon i {
        font-size: 17px;
    }

    .loan-process-timeline {
        border-radius: 14px;
    }
}

/* Loan Process 반응형 - 모바일 */
@media (max-width: 768px) {
    .loan-process {
        padding: 60px 0;
    }

    .loan-process-inner {
        padding: 0 20px;
    }

    .loan-process-header {
        margin-bottom: 40px;
    }

    .loan-process-subtitle {
        font-size: 14px;
    }

    .loan-process-title {
        font-size: 28px;
        margin-bottom: 12px;
    }

    .loan-process-desc {
        font-size: 14px;
    }

    .loan-process-desc br {
        display: none;
    }

    .timeline-step {
        padding: 20px;
        gap: 16px;
        flex-wrap: wrap;
    }

    .timeline-num {
        width: 44px;
        height: 44px;
        font-size: 16px;
    }

    .timeline-content {
        flex: 1;
        min-width: calc(100% - 76px);
    }

    .timeline-title {
        font-size: 16px;
        margin-bottom: 4px;
    }

    .timeline-desc {
        font-size: 13px;
    }

    .timeline-icon {
        display: none;
    }

    .loan-process-timeline {
        border-radius: 12px;
    }
}

/* ========================================
   Footer
   ======================================== */
.footer {
    background: #1a1a2e;
    padding: 60px 0 40px;
}

.footer-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 40px;
    text-align: center;
}

.footer-info {
    margin-bottom: 30px;
}

.footer-info p {
    font-size: 14px;
    color: #fff;
    line-height: 1.8;
    margin: 0;
}

.footer-notice {
    margin-bottom: 30px;
    padding: 20px 0;
}

.footer-notice p {
    font-size: 13px;
    color: #ef4444;
    line-height: 1.8;
    margin: 0;
}

.footer-terms {
    margin-bottom: 30px;
}

.footer-terms p {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.6);
    line-height: 1.8;
    margin: 0;
}

.footer-copyright {
    padding-top: 20px;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-copyright p {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.4);
    margin: 0;
}

/* Footer 반응형 */
@media (max-width: 1024px) {
    .footer {
        padding: 50px 0 30px;
    }

    .footer-inner {
        padding: 0 30px;
    }

    .footer-info p,
    .footer-notice p,
    .footer-terms p {
        font-size: 12px;
    }
}

@media (max-width: 768px) {
    .footer {
        padding: 40px 0 30px;
    }

    .footer-inner {
        padding: 0 20px;
    }

    .footer-info p,
    .footer-notice p,
    .footer-terms p {
        font-size: 11px;
        line-height: 1.7;
    }

    .footer-copyright p {
        font-size: 11px;
    }
}