/* ===== 뱅크론 대출비교 — 스타일 ===== */
:root{
  --navy:#102a4c;      /* 메인 네이비 */
  --navy-deep:#0a1e38;
  --navy-800:#17365f;
  --gold:#b6894a;      /* 포인트 골드 */
  --gold-soft:#c9a265;
  --ink:#1c2531;       /* 본문 글자 */
  --ink-soft:#4a5668;
  --line:#e2e6ec;
  --bg:#ffffff;
  --bg-soft:#f5f7fa;
  --bg-navy-soft:#eef2f7;
  --ok:#1f7a4d;
  --warn:#b4600f;
  --bad:#9a2f2f;
  --maxw:1180px;
  --radius:10px;
  font-family:'Pretendard Variable','Pretendard',-apple-system,BlinkMacSystemFont,'Apple SD Gothic Neo',sans-serif;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:120px}
body{color:var(--ink);background:var(--bg);line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
em{font-style:normal}
.inner{max-width:var(--maxw);margin:0 auto;padding:0 24px}

/* ── 버튼 ── */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:700;border-radius:8px;transition:.2s;cursor:pointer;border:1.5px solid transparent;white-space:nowrap}
.btn-lg{padding:16px 30px;font-size:1.05rem}
.btn-primary{background:var(--gold);color:#fff;border-color:var(--gold)}
.btn-primary:hover{background:var(--gold-soft);border-color:var(--gold-soft)}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.6)}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-navy{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-navy:hover{background:var(--navy-800)}
.btn-block{width:100%}

/* ── 유틸바 ── */
.utilbar{background:var(--navy-deep);color:#aebcd0;font-size:.8rem}
.utilbar .inner{display:flex;justify-content:space-between;align-items:center;height:36px}
.util-tel{color:#fff;font-weight:700;margin-left:8px}
@media(max-width:720px){.util-left{display:none}.utilbar .inner{justify-content:center}}

/* ── 헤더 ── */
.site-header{position:sticky;top:0;z-index:100;background:#fff;border-bottom:1px solid var(--line);transition:box-shadow .2s}
.site-header.scrolled{box-shadow:0 4px 20px rgba(16,42,76,.08)}
.site-header .inner{display:flex;align-items:center;gap:28px;height:76px}
.brand{display:flex;flex-direction:column;line-height:1.1}
.brand-mark{font-size:1.5rem;font-weight:900;letter-spacing:-.5px;color:var(--navy)}
.brand-mark em{color:var(--gold)}
.brand-ko{font-size:.72rem;color:var(--ink-soft);letter-spacing:.5px;margin-top:2px}
.gnb{display:flex;align-items:center;gap:26px;margin-left:auto}
.gnb>a{font-size:.97rem;font-weight:600;color:var(--ink);padding:6px 0;position:relative}
.gnb>a:not(.gnb-cta):hover{color:var(--gold)}
.gnb-cta{background:var(--navy);color:#fff!important;padding:9px 18px!important;border-radius:7px;font-weight:700}
.gnb-cta:hover{background:var(--navy-800)}
.header-tel{margin-left:28px;text-align:right;display:flex;flex-direction:column;line-height:1.15}
.header-tel .num{font-size:1.4rem;font-weight:900;color:var(--navy);letter-spacing:-.5px}
.header-tel .lbl{font-size:.7rem;color:var(--ink-soft)}
.menu-toggle{display:none;font-size:1.6rem;background:none;border:none;margin-left:auto;color:var(--navy);cursor:pointer}
@media(max-width:1024px){
  .header-tel{margin-left:auto}
  .gnb{position:fixed;top:112px;left:0;right:0;flex-direction:column;gap:0;background:#fff;margin:0;border-bottom:1px solid var(--line);box-shadow:0 10px 24px rgba(0,0,0,.08);max-height:0;overflow:hidden;transition:max-height .3s}
  .gnb.open{max-height:520px}
  .gnb>a{width:100%;padding:16px 24px;border-bottom:1px solid var(--line)}
  .gnb-cta{border-radius:0;text-align:center}
  .menu-toggle{display:block}
  .header-tel{margin-left:16px}
}
@media(max-width:560px){.header-tel .num{font-size:1.15rem}}

/* ── 히어로 ── */
.hero{position:relative;color:#fff;overflow:hidden;background:var(--navy-deep)}
.hero-bg{position:absolute;inset:0;background-size:cover;background-position:center;opacity:.5}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(100deg,rgba(10,30,56,.92) 30%,rgba(10,30,56,.55) 100%)}
.hero-inner{position:relative;padding:92px 24px 84px}
.hero-eyebrow{color:var(--gold-soft);font-weight:700;letter-spacing:1px;font-size:.92rem;margin-bottom:18px}
.hero-title{font-size:3rem;font-weight:900;line-height:1.22;letter-spacing:-1px}
.hero-title strong{color:var(--gold-soft)}
.hero-desc{margin:22px 0 32px;font-size:1.12rem;color:#d7e0ec;max-width:620px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.hero-badges{list-style:none;display:flex;gap:30px;margin-top:40px;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.18);padding-top:26px}
.hero-badges li{font-size:.98rem;color:#cdd8e6}
.hero-badges strong{color:#fff;font-size:1.25rem;font-weight:900;display:block}
@media(max-width:760px){.hero-title{font-size:2.1rem}.hero-inner{padding:60px 24px 56px}.hero-badges{gap:20px}}

/* ── 섹션 공통 ── */
.section{padding:84px 0}
.section-compare{background:var(--bg-soft)}
.sec-head{text-align:center;margin-bottom:48px}
.sec-tag{display:inline-block;font-size:.78rem;font-weight:800;letter-spacing:2px;color:var(--gold);border:1px solid var(--gold);border-radius:30px;padding:5px 16px;margin-bottom:18px}
.sec-head h2{font-size:2.1rem;font-weight:900;line-height:1.3;color:var(--navy);letter-spacing:-.5px}
.sec-head h2 em{color:var(--gold)}
.sec-sub{margin-top:14px;color:var(--ink-soft);font-size:1.02rem}
.sec-head.light h2,.sec-head.light .sec-sub{color:#fff}
.sec-head.light .sec-sub{color:#c4d0e0}

/* ── 비교 ── */
.compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;max-width:900px;margin:0 auto}
.compare-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px 30px}
.compare-card .cc-top{font-weight:800;font-size:1.1rem;margin-bottom:18px;padding-bottom:14px;border-bottom:2px solid var(--line)}
.compare-card.bad .cc-top{color:var(--bad)}
.compare-card.good{border-color:var(--navy);box-shadow:0 10px 30px rgba(16,42,76,.1)}
.compare-card.good .cc-top{color:var(--navy)}
.compare-card ul{list-style:none;display:flex;flex-direction:column;gap:12px}
.compare-card li{position:relative;padding-left:26px;color:var(--ink-soft);font-size:.98rem}
.compare-card.bad li::before{content:'✕';position:absolute;left:0;color:var(--bad);font-weight:800}
.compare-card.good li::before{content:'✓';position:absolute;left:0;color:var(--navy);font-weight:800}
@media(max-width:720px){.compare-grid{grid-template-columns:1fr}}

/* ── 상품 ── */
.product-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.product-card{display:block;border:1px solid var(--line);border-radius:var(--radius);padding:30px 28px;transition:.2s;background:#fff;scroll-margin-top:130px}
.pc-more{display:block;margin-top:14px;font-size:.84rem;font-weight:700;color:var(--navy);opacity:.75}
.product-card:hover .pc-more{opacity:1;color:var(--gold)}
.product-card:hover{border-color:var(--gold);box-shadow:0 12px 28px rgba(16,42,76,.1);transform:translateY(-3px)}
.product-card h3{font-size:1.3rem;color:var(--navy);margin-bottom:12px;font-weight:800}
.product-card p{color:var(--ink-soft);font-size:.96rem;min-height:48px}
.pc-tag{display:inline-block;margin-top:16px;font-size:.8rem;font-weight:700;color:var(--gold);background:var(--bg-navy-soft);padding:5px 12px;border-radius:6px}
@media(max-width:860px){.product-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.product-grid{grid-template-columns:1fr}}

/* ── 진단 위저드 ── */
.section-diagnose{background:var(--navy);color:#fff}
.wizard{max-width:720px;margin:0 auto;background:#fff;color:var(--ink);border-radius:16px;box-shadow:0 24px 60px rgba(0,0,0,.28);overflow:hidden}
.wizard-progress{padding:24px 32px 0}
.wz-bar{height:6px;background:var(--line);border-radius:4px;overflow:hidden}
.wz-bar span{display:block;height:100%;width:12.5%;background:var(--gold);transition:width .35s}
.wz-step-label{text-align:right;font-size:.82rem;color:var(--ink-soft);margin-top:8px;font-weight:600}
.wizard-body{padding:16px 32px 36px}
.wz-q{font-size:1.4rem;font-weight:800;color:var(--navy);margin:10px 0 6px}
.wz-help{color:var(--ink-soft);font-size:.92rem;margin-bottom:22px}
.wz-options{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.wz-options.col1{grid-template-columns:1fr}
.wz-opt{border:1.5px solid var(--line);border-radius:10px;padding:16px 18px;font-size:1rem;font-weight:600;text-align:left;cursor:pointer;background:#fff;transition:.15s;display:flex;align-items:center;gap:10px}
.wz-opt:hover{border-color:var(--gold);background:#fffdf8}
.wz-opt.sel{border-color:var(--navy);background:var(--bg-navy-soft);color:var(--navy)}
.wz-opt .oi{width:22px;height:22px;border-radius:50%;border:2px solid var(--line);flex:none;display:grid;place-items:center;font-size:.7rem}
.wz-opt.sel .oi{border-color:var(--navy);background:var(--navy);color:#fff}
.wz-input{width:100%;padding:16px 18px;border:1.5px solid var(--line);border-radius:10px;font-size:1.05rem;font-family:inherit}
.wz-input:focus{outline:none;border-color:var(--gold)}
.wz-inwrap{position:relative}
.wz-inwrap .unit{position:absolute;right:18px;top:50%;transform:translateY(-50%);color:var(--ink-soft);font-weight:600}
.wz-nav{display:flex;justify-content:space-between;align-items:center;margin-top:28px;gap:12px}
.wz-nav-spacer{flex:0 0 auto}
.wz-next-group{display:flex;align-items:center;gap:16px;margin-left:auto}
.btn-next{padding:15px 30px;font-size:1.05rem;box-shadow:0 8px 18px rgba(182,137,74,.35)}
.btn-next:hover{transform:translateY(-1px)}
.btn-prev{padding:14px 22px;background:#fff;color:var(--navy);border-color:var(--line);font-size:.98rem}
.btn-prev:hover{border-color:var(--navy);background:var(--bg-navy-soft)}
.wz-skip{color:var(--ink-soft);font-size:.88rem;text-decoration:underline;cursor:pointer;background:none;border:none}
.wz-skip:hover{color:var(--navy)}
.wz-hint{color:var(--bad);font-size:.88rem;text-align:right;margin-top:12px;min-height:20px;font-weight:600}
@media(max-width:560px){
  .wz-nav{flex-wrap:wrap}
  .wz-next-group{width:100%;justify-content:space-between}
  .btn-next{flex:1;justify-content:center}
  .wz-hint{text-align:center}
}

/* 결과 */
.wz-result{text-align:center;padding:8px 0}
.wz-grade{display:inline-block;font-size:.85rem;font-weight:800;letter-spacing:1px;padding:6px 16px;border-radius:30px;margin-bottom:16px}
.grade-a{background:#e6f3ec;color:var(--ok)}
.grade-b{background:#eef2f7;color:var(--navy)}
.grade-c{background:#fbf0e3;color:var(--warn)}
.grade-d{background:#f8eaea;color:var(--bad)}
.wz-result h3{font-size:1.7rem;color:var(--navy);font-weight:900;line-height:1.35}
.wz-gauge{height:10px;background:var(--line);border-radius:6px;margin:22px auto;max-width:420px;overflow:hidden}
.wz-gauge span{display:block;height:100%;background:linear-gradient(90deg,var(--gold),var(--navy));transition:width .6s}
.wz-estimate{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin:20px 0 6px}
.wz-estimate .ec{background:var(--bg-soft);border:1px solid var(--line);border-radius:10px;padding:16px 22px;min-width:150px}
.wz-estimate .ec b{display:block;font-size:1.3rem;color:var(--navy);font-weight:900}
.wz-estimate .ec span{font-size:.82rem;color:var(--ink-soft)}
.wz-notice{font-size:.82rem;color:var(--ink-soft);background:var(--bg-soft);border-radius:8px;padding:12px 16px;margin:20px 0;line-height:1.5}
.wz-lead{border-top:1px solid var(--line);margin-top:24px;padding-top:26px;text-align:left}
.wz-lead h4{font-size:1.15rem;color:var(--navy);margin-bottom:6px}
.wz-lead p.sub{color:var(--ink-soft);font-size:.92rem;margin-bottom:18px}
.wz-field{margin-bottom:14px}
.wz-field label{display:block;font-size:.9rem;font-weight:700;margin-bottom:7px;color:var(--ink)}
.wz-agree{display:flex;align-items:flex-start;gap:9px;font-size:.84rem;color:var(--ink-soft);margin:6px 0 18px}
.wz-agree input{margin-top:3px}
.wz-done{text-align:center;padding:20px 0}
.wz-done .chk{width:68px;height:68px;border-radius:50%;background:#e6f3ec;color:var(--ok);display:grid;place-items:center;font-size:2rem;margin:0 auto 18px}
.wz-done h3{color:var(--navy);font-size:1.5rem;margin-bottom:10px}
.wz-done p{color:var(--ink-soft)}
.wz-done .call{margin-top:20px;font-size:1.4rem;font-weight:900;color:var(--navy)}
.err-msg{color:var(--bad);font-size:.85rem;margin-top:6px;min-height:18px}
@media(max-width:560px){.wz-options{grid-template-columns:1fr}.wizard-body{padding:16px 20px 30px}.wizard-progress{padding:20px 20px 0}.wz-q{font-size:1.2rem}}

/* ── FAQ ── */
.section-faq{background:var(--bg-soft)}

/* ── 절차 ── */
.process-list{list-style:none;display:grid;grid-template-columns:repeat(5,1fr);gap:16px;counter-reset:p}
.process-list li{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 22px;position:relative}
.process-list .pn{font-size:1.7rem;font-weight:900;color:var(--gold);display:block;margin-bottom:10px}
.process-list b{display:block;color:var(--navy);font-size:1.1rem;margin-bottom:8px}
.process-list p{color:var(--ink-soft);font-size:.9rem}
@media(max-width:900px){.process-list{grid-template-columns:1fr 1fr 1fr}}
@media(max-width:560px){.process-list{grid-template-columns:1fr 1fr}}

/* ── 신뢰 CTA ── */
.section-trust{position:relative;background:var(--navy-deep);color:#fff;padding:76px 0;background-image:linear-gradient(rgba(10,30,56,.86),rgba(10,30,56,.92)),url('/assets/img/trust.jpg');background-size:cover;background-position:center}
.trust-inner{display:flex;align-items:center;justify-content:space-between;gap:48px;flex-wrap:wrap}
.trust-copy h2{font-size:2rem;font-weight:900;line-height:1.35;margin-bottom:16px}
.trust-copy p{color:#c4d0e0;max-width:520px;margin-bottom:26px}
.trust-stat{display:flex;gap:18px;flex-wrap:wrap}
.trust-stat>div{text-align:center;border:1px solid rgba(255,255,255,.2);border-radius:12px;padding:22px 26px;min-width:140px}
.trust-stat strong{display:block;font-size:1.8rem;font-weight:900;color:var(--gold-soft)}
.trust-stat span{font-size:.85rem;color:#b9c6d8}

/* ── 푸터 ── */
.site-footer{background:#0a1526;color:#9fb0c6;padding:56px 0 40px;font-size:.9rem}
.foot-top{display:flex;justify-content:space-between;gap:40px;flex-wrap:wrap;padding-bottom:28px;border-bottom:1px solid rgba(255,255,255,.1)}
.foot-brand .brand-mark{color:#fff}
.foot-brand p{margin-top:10px;color:#7d90a8}
.foot-info p{margin-bottom:5px}
.foot-info a{color:#cdd8e6;font-weight:700}
.foot-legal{padding-top:24px;font-size:.82rem;color:#6f829b;line-height:1.7}
.foot-legal .copy{margin-top:16px;color:#55677e}
.admin-dot{display:inline-block;margin-left:10px;color:#223147;opacity:.35;font-weight:700;padding:0 6px;cursor:default;transition:opacity .2s}
.admin-dot:hover{opacity:.7}

/* ── 카테고리(상품) 페이지 ── */
.breadcrumb{background:var(--bg-soft);border-bottom:1px solid var(--line);font-size:.86rem;color:var(--ink-soft)}
.breadcrumb .inner{padding:12px 24px}
.breadcrumb a{color:var(--navy);font-weight:600}
.breadcrumb span{margin:0 4px;color:#aab3c0}
.cat-main{padding:48px 0 70px}
.cat-wrap{max-width:860px}
.cat-article h1{font-size:2.2rem;color:var(--navy);font-weight:900;letter-spacing:-.5px;line-height:1.3}
.cat-meta{display:flex;flex-wrap:wrap;gap:10px;margin:16px 0 26px}
.cat-meta span{font-size:.84rem;font-weight:700;color:var(--gold);background:var(--bg-navy-soft);padding:6px 14px;border-radius:20px}
.cat-lead{font-size:1.1rem;color:var(--ink);line-height:1.8;margin-bottom:36px;padding:22px 26px;background:var(--bg-soft);border-left:4px solid var(--gold);border-radius:0 10px 10px 0}
.cat-article h2{font-size:1.45rem;color:var(--navy);font-weight:800;margin:40px 0 18px;padding-bottom:10px;border-bottom:2px solid var(--line)}
.cat-list{list-style:none;display:flex;flex-direction:column;gap:12px}
.cat-list li{position:relative;padding-left:30px;color:var(--ink);font-size:1.02rem;line-height:1.6}
.cat-list li::before{content:'';position:absolute;left:8px;top:11px;width:7px;height:7px;background:var(--gold);border-radius:50%}
.cat-list.check li::before{content:'✓';background:none;left:0;top:0;color:var(--navy);font-weight:800;width:auto;height:auto;border-radius:0}
.cat-cta{margin:44px 0;padding:34px 30px;background:var(--navy);border-radius:14px;text-align:center;color:#fff}
.cat-cta p{font-size:1.2rem;font-weight:700;margin-bottom:22px}
.cat-cta-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.faq-list{display:flex;flex-direction:column;gap:12px}
.faq-item{border:1px solid var(--line);border-radius:10px;overflow:hidden;background:#fff}
.faq-item summary{padding:18px 22px;font-weight:700;color:var(--navy);cursor:pointer;list-style:none;position:relative;font-size:1.02rem}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:'+';position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:1.4rem;color:var(--gold);font-weight:400}
.faq-item[open] summary::after{content:'−'}
.faq-item[open] summary{border-bottom:1px solid var(--line)}
.faq-a{padding:18px 22px;color:var(--ink-soft);line-height:1.75}
.cat-related{margin-top:50px;padding-top:28px;border-top:1px solid var(--line)}
.cat-related h3{font-size:1.1rem;color:var(--navy);margin-bottom:14px}
.cat-related a,.foot-cats a{display:inline-block;margin:0 8px 8px 0;padding:8px 15px;border:1px solid var(--line);border-radius:20px;font-size:.88rem;color:var(--ink-soft);transition:.15s}
.cat-related a:hover,.foot-cats a:hover{border-color:var(--gold);color:var(--navy)}
.foot-cats{padding:22px 0;border-bottom:1px solid rgba(255,255,255,.1);margin-bottom:4px}
.foot-cats a{border-color:rgba(255,255,255,.15);color:#9fb0c6}
.foot-cats a:hover{border-color:var(--gold);color:#fff}
@media(max-width:560px){.cat-article h1{font-size:1.65rem}.cat-cta-btns .btn{width:100%}}

/* ── 모바일 고정 CTA ── */
.mobile-cta{display:none;position:fixed;bottom:0;left:0;right:0;z-index:90;background:#fff;box-shadow:0 -4px 16px rgba(0,0,0,.12)}
.mobile-cta a{flex:1;text-align:center;padding:16px 0;font-weight:800}
.mc-diag{background:var(--navy);color:#fff}
.mc-call{background:var(--gold);color:#fff}
@media(max-width:760px){
  .mobile-cta{display:flex}
  body{padding-bottom:56px}
  .section{padding:60px 0}
  .sec-head h2{font-size:1.65rem}
}