/* 공통 */
body{margin:0; padding:0; font-family:'Paperlogy','Titillium Web',sans-serif; color:#111; word-break: keep-all;}
.inner{width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;}
a { color:inherit; text-decoration:none; }
*{box-sizing:border-box; }
/* 상단 네비고정 */
#header{position:relative;}
.top-bar{width:100%;background:#fff;height:52px;display:flex;align-items:center;transition:transform .4s cubic-bezier(.4,0,.2,1),opacity .3s ease;}
#header.scrolled .top-bar{transform:translateY(-100%);opacity:0;}
/* .nav-wrap{width:100%;background:#062f68;height:78px;display:flex;align-items:center;transition:all .3s ease;} */
.nav-wrap .logo img{height:50px;transition:all .3s ease; display:block;}
.nav-wrap.fixed{position:fixed;top:0;left:0;width:100%;z-index:999;}
#header.scrolled .nav-wrap{height:70px;background:rgba(6,47,104);box-shadow:0 8px 20px rgba(0,0,0,.15);}
#header.scrolled .nav-wrap .logo img{height:42px;}
body.nav-fixed{padding-top:78px;}


/* ===== TOP BAR ===== */
.top-bar{width:100%;background:#fff;height:52px;display:flex;align-items:center;}
.top-bar .top-left{font-size:28px;color:#818181;font-weight:400;}
.top-bar .top-left strong {font-weight:400;color:#000;}
.top-bar .top-right{font-size:18px;color:#333;font-weight:500;display:flex;align-items:center;gap:6px;}
.top-bar .top-right strong{font-weight:700;color:#000;}
.top-bar .top-right strong a{font-size:16px; font-weight:700;color:#000;}
.quick-icon{font-size:14px;}

/* ===== NAVIGATION ===== */
.nav-wrap{width:100%;background:#062f68;height:78px;display:flex;align-items:center; z-index:1100;}
/* .logo img{height:50px;} */
.gnb ul{list-style:none;margin:0;padding:0;display:flex;gap:40px;}
.gnb ul li a{position:relative;display:inline-flex;align-items:center;justify-content:center;height:78px;padding:0 10px;color:rgba(255,255,255,.85);text-decoration:none;font-size:18px;font-weight:500;transition:color .25s ease;}
.gnb ul li a::after{content:"";position:absolute;left:0;bottom:18px;width:0;height:3px;background:#ffffff;transition:width .35s cubic-bezier(.4,0,.2,1);}
.gnb ul li a:hover{color:#ffffff;}
.gnb ul li a:hover::after{width:100%;}
.gnb ul li a.active{color:#ffffff;font-weight:600;}
.gnb ul li a.active::after{width:100%;}

/* 반응형 추가 - 토글버튼도 */
.nav-toggle{display:none;width:44px;height:44px;background:none;border:0;cursor:pointer;align-items:center;justify-content:center; z-index:3000;}
.nav-toggle i{font-size:22px;color:#fff;}
.nav-toggle .fa-xmark{display:none;}
.nav-toggle.active .fa-bars{display:none;}
.nav-toggle.active .fa-xmark{display:inline-block;}

@media(max-width:1024px){
.top-bar .inner{flex-direction:column;gap:4px;}
.top-bar .top-left{font-size:16px;text-align:center;}
.top-bar .top-right{font-size:13px;}
.nav-wrap .inner{position:relative;justify-content:space-between;padding:0 12px;}
.gnb{position:fixed;top:0;right:-100%;width:260px;height:100vh;background:#062f68;display:flex;flex-direction:column;padding-top:100px;transition:right .35s ease; z-index:1200;}
.gnb ul{flex-direction:column;gap:0;width:100%;}
.gnb ul li a{height:56px;justify-content:flex-start;padding:0 24px;border-top:1px solid rgba(255,255,255,.1);}
.gnb ul li a::after{content:none;}
.gnb ul li a:hover::after{content:none;}
.gnb.active{right:0;}
.nav-toggle{display:flex; position:relative; z-index:3000;}
}
@media(max-width:768px){
.top-right .quick-icon{display:none;}
.top-bar .top-right strong a{font-size:16px; font-weight:700;color:#000;}
}
@media(max-width:360px){
.top-bar .top-left{font-size:14px;}
.top-bar .top-right{font-size:11px;}
}

/* 메인 이미지 */
.hero{width:100%;height:514px;overflow:hidden;position:relative;}
.hero img{width:100%;height:100%;object-fit:cover;display:block;}
@media(max-width:1280px){
.hero{height:420px;}
}

@media(max-width:768px){
.hero{height:464px;}
}

@media(max-width:480px){
.hero{height:290px;}
}

/* 메인 4개 카드형 상품안내 */
.main-loan{padding:50px 0;background:#f4f6fa;}
.main-loan .inner{width:1200px;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);gap:10px;align-items:stretch;}
.loan-card{border-radius:18px;padding:36px 18px;color:#fff;display:flex;flex-direction:column;height:100%;transition:background .3s ease,transform .25s ease,box-shadow .25s ease;text-decoration:none;box-shadow:0 12px 20px -8px rgba(0,0,0,.18);}
.loan-card:nth-child(1),.loan-card:nth-child(3){background:#3a73c6;}
.loan-card:nth-child(2),.loan-card:nth-child(4){background:#6e96d2;}
.loan-card:nth-child(1):hover,.loan-card:nth-child(3):hover{background:#2f62ad;transform:translateY(-6px);box-shadow:0 22px 30px -10px rgba(0,0,0,.28);}
.loan-card:nth-child(2):hover,.loan-card:nth-child(4):hover{background:#5f86c3;transform:translateY(-6px);box-shadow:0 22px 30px -10px rgba(0,0,0,.28);}
.loan-icon{height:100px;display:flex;align-items:center;justify-content:center;margin-bottom:24px;perspective:600px;}
.loan-icon img{width:100px;height:100px;object-fit:contain;transition:transform .6s cubic-bezier(.4,0,.2,1);}
.loan-card:hover .loan-icon img{transform:rotateY(180deg);}
.loan-card h3{font-size:22px;font-weight:700;margin:0 0 20px 0;min-height:36px; text-align:center;}
.loan-card ul{list-style:none;margin:0 0 24px 0;padding-left:10px;line-height:1.5; font-weight:400;}
.loan-card ul li{font-size:16px; margin-bottom:2px;}
.loan-info{margin-top:auto;}
.loan-info p{margin:6px 0;font-size:13px;font-weight:400;}
.loan-info .sub{margin-left:53px;font-size:13px;font-weight:400;}
.badge{display:inline-block;padding:4px 10px;border-radius:20px;font-size:12px;font-weight:600;margin-right:8px;}
.badge.rate{background:#ff4909;}
.badge.amount{background:#2e3c8a;}
@media(max-width:1280px){
.main-loan .inner{width:100%;padding:0 20px;grid-template-columns:repeat(3,1fr);}
}
@media(max-width:1024px){
.main-loan .inner{grid-template-columns:repeat(2,1fr);} 
.loan-card{padding:30px 16px;} 
.loan-card h3{font-size:20px;} 
.loan-card ul li{font-size:15px;}
}
@media(max-width:600px){
.main-loan .inner{grid-template-columns:1fr;} 
.loan-card{padding:26px 16px;} 
.loan-icon{height:80px;margin-bottom:16px;} 
.loan-icon img{width:80px;height:80px;} 
.loan-card h3{font-size:18px;margin-bottom:16px;} 
.loan-card ul li{font-size:14px;} 
.loan-info p{font-size:12px;} 
.loan-info .sub{margin-left:45px;font-size:12px;}
}

/* 메인 공지사항/상담/1:1게시판 */
.main-board{padding:80px 0;background:#ffffff;}
.main-board .inner{width:1200px;margin:0 auto;display:grid;grid-template-columns:1fr 380px 1fr;gap:40px;align-items:start;}
.board-col h3{font-size:26px;font-weight:700;margin:0 0 20px 0;/*border-bottom:2px solid #e5e5e5;*/padding-bottom:10px;}
.board-col ul{list-style:none;margin:0;padding:0;}
.board-col ul li{margin-bottom:12px;}
.board-col ul li a{text-decoration:none;color:#333;font-size:15px;}
.board-col ul li a:hover{color:#3a73c6;}

.board-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:20px;border-bottom:2px solid #e5e5e5;padding-bottom:5px;}
.board-head h3{margin:0;font-size:22px;font-weight:700;}
.more-link{font-size:14px;color:#888;text-decoration:none;transition:color .25s ease;}
.more-link:hover{color:#3a73c6;}

.consult h3 { text-align: center;}
.consult{background:#ecf0f5;border-radius:20px;padding:30px 26px;/*box-shadow:0 15px 35px rgba(0,0,0,.08); */margin-top: -30px; border:2px #666 solid;}
.consult form{display:flex;flex-direction:column;gap:6px;}
.consult .form-row {  display: flex;  gap: 10px;}
.consult .form-row input {  width: 157px;  flex: none;}

.consult .hp-row{display:flex;align-items:center;gap:8px;}
.consult .hp-row input{flex:none;width:80px;text-align:center;}
.consult .hp-row input[name="hp2"],.consult .hp-row input[name="hp3"]{width:100px;}
.consult .hp-row .dash{color:#666;font-weight:600;}

.consult select,.consult input{height:38px;padding:0 8px;border:1px solid #ddd;border-radius:6px;font-size:14px;}
.consult .agree{display:flex;flex-direction:column;gap:8px;font-size:13px;color:#555;margin-top:6px;}
.consult .agree label{display:flex;align-items:center;gap:10px;}
.consult .agree input[type="checkbox"]{width:16px;height:16px;}
.consult .agree-row { display: flex; justify-content: space-between; align-items: center;}
.consult .toggle-privacy { width: 70px; height: 26px; font-size: 12px;  background: #3a73c6; color: #fff;  border: none; border-radius: 6px;  display: flex; align-items: center; justify-content: center;  cursor: pointer; flex-shrink: 0;}
.consult .toggle-privacy:hover{text-decoration:none;}
.privacy-box{display:none;background:#ffffff;border:1px solid #e5e5e5;border-radius:8px;padding:12px;font-size:12px;line-height:1.6;color:#444;}
.privacy-box.active{display:block;}

.consult button {margin-top:10px;height:48px;border:0;border-radius:8px;background:#3a73c6;color:#fff;font-size:16px;font-weight:600;cursor:pointer;transition:background .25s ease;}
.consult button:hover {background:#2f62ad;}

@media(max-width:1280px){
.main-board .inner{width:100%;padding:0 20px;grid-template-columns:1fr 360px 1fr;}
}
@media(max-width:1024px){
.main-board .inner{grid-template-columns:1fr 1fr;} 
.consult{margin-top:0;} 
.board-col:nth-child(3){grid-column:1/3;}
}
@media(max-width:768px){
.main-board{padding:60px 0;} 
.main-board .inner{grid-template-columns:1fr;gap:30px;} 
.board-col:nth-child(3){grid-column:auto;} 
.consult{border-radius:16px;padding:24px 20px;} 
.consult .form-row{flex-direction:column;} 
.consult .form-row input{width:100%;} 
.consult select,.consult input{width:100%;}
.consult .hp-row{
    display:flex;
    flex-direction:row;
    align-items:center;
    justify-content:center;
    gap:6px;
  }

  .consult .hp-row input{
    width:60px;
  }

  .consult .hp-row input[name="hp2"],
  .consult .hp-row input[name="hp3"]{
    width:80px;
  }

}
}
@media(max-width:480px){
.board-col h3{font-size:20px;} 
.board-col ul li a{font-size:14px;} 
.consult h3{text-align:left;} 
.consult button{height:44px;font-size:14px;}
}

/* 하단부 */
.footer{background:#4a4a4a;color:#fff;}
.footer-partners{background:#fff;padding:5px 0; border-top:1px #ddd solid;}
.footer-partners .inner{width:1200px;margin:0 auto;display:flex;justify-content:space-between;align-items:center;}
.footer-partners img{max-height:72px;opacity:1;}
.footer-info{padding:50px 0;}
.footer-info .inner{width:1200px;margin:0 auto;display:flex;gap:60px;}
.footer-left{flex:0 0 200px;display:flex;align-items:flex-start;}
.footer-left img{max-width:180px;}
.footer-right{flex:1;}
.footer-menu{display:flex;align-items:center;justify-content:flex-start; margin-bottom:26px;}
.footer-menu a{text-decoration:none;color:#ddd;font-size:15px;padding:0 18px;position:relative;}
.footer-menu a:first-child{padding-left:0;}
.footer-menu a:not(:last-child)::after{content:"";position:absolute;right:0;top:50%;transform:translateY(-50%);width:1px;height:12px;background:rgba(255,255,255,.3);}

.footer-menu a:hover{color:#ffffff;}
.footer-address p{margin:6px 0;font-size:16px;line-height:1.1; letter-spacing:-0.1px;}
.footer-address p strong{font-weight:600;}
.footer-address p span{font-size:20px; font-weight:700;color:#39efff;}
.footer-address p:nth-child(4){margin-top:20px;}
.footer-address p:nth-child(n+4){font-size:20px;font-weight:300;}

.footer-address .highlight{color:#4fd2ff;}
.footer-copy{margin-top:20px;font-size:12px;color:#aaa;}
@media(max-width:1280px){
.footer-partners .inner,.footer-info .inner{width:100%;padding:0 20px;}
.footer-partners img{max-height:50px;opacity:1;}
}
@media(max-width:1024px){
.footer-info .inner{flex-direction:column;gap:30px;align-items:center;} 
.footer-left{flex:none;} 
.footer-address p{line-height:1.4;}
.footer-left{width:100%;display:flex;justify-content:center;margin-bottom:0px;}
.footer-left img{max-width:160px;height:auto;display:block;}
.footer-right{width:100%;}
}
@media(max-width:768px){.footer-partners .inner{flex-wrap:wrap;gap:20px;justify-content:center;} 
.footer-partners img{max-height:40px;} 
.footer-menu{display:none;}
}
@media(max-width:480px){
.footer-address p{font-size:14px;} 
.footer-address p:nth-child(n+4){font-size:16px;} 
.footer-address p span{font-size:18px;}
}

/* 모바일에서는 하단 메뉴중 개인정보와 이멜수집거부만 보이게 */
.footer-policy-mobile{display:none;text-align:center;margin-top:0px;font-size:14px;}
.footer-policy-mobile a{text-decoration:none;color:#ddd;padding:0 8px;}
.footer-policy-mobile a:hover{color:#fff;}

@media(max-width:768px){
.footer-menu{display:none;}
.footer-policy-mobile{display:block; margin-bottom:20px;}
}

/* ===================== */
/* 하단 개인정보 / 이메일 수집거부 모달 */
/* ===================== */

.modal-dim{position:fixed;top:0;left:0;width:100%;height:100%;background:rgba(0,0,0,.55);opacity:0;visibility:hidden;transition:opacity .3s ease;z-index:5000;}
.modal-dim.active{opacity:1;visibility:visible;}

.modal-wrap{position:fixed;top:50%;left:50%;transform:translate(-50%,-50%) scale(.9);width:600px;max-width:90%;background:#fff;border-radius:14px;box-shadow:0 25px 60px rgba(0,0,0,.25);opacity:0;visibility:hidden;transition:all .3s cubic-bezier(.4,0,.2,1);z-index:6000;}
.modal-wrap.active{opacity:1;visibility:visible;transform:translate(-50%,-50%) scale(1);}

.modal-box{position:relative;padding:40px;}
.modal-box h3{margin:0 0 20px 0;font-size:22px;font-weight:700;color:#062f68;}
.modal-content{font-size:15px;line-height:1.8;color:#444;max-height:400px;overflow:auto;}

.modal-close{position:absolute;top:16px;right:16px;width:32px;height:32px;border:0;background:none;font-size:22px;cursor:pointer;color:#666;}
.modal-close:hover{color:#000;}

@media(max-width:480px){
.modal-box{padding:30px 20px;}
.modal-box h3{font-size:18px;}
.modal-content{font-size:14px;}
}

/* ===================== */
/* 우측 플로팅 SMS 배너  */
/* ===================== */
/* ===== SMS FLOAT BANNER ===== */
/* .sms-float{position:fixed;top:200px;left:50%;transform:translateX(620px);z-index:3000;} */
.sms-float{ position:fixed; top:200px; right:calc((100% - 1200px)/2 - 220px);   transform:translateZ(0);}
.sms-phone{width:198px;height:375px;position:relative;background:url("../img/phone_bg.png") no-repeat center center;background-size:contain; border-radius:20px;box-shadow:0 20px 30px rgba(0,0,0,.45);}
.sms-ui{position:absolute;left:0;top:0;width:100%;height:100%;padding:34px 16px 18px 16px;box-sizing:border-box;color:#fff;}
.sms-brand{text-align:center;margin-top:12px;}
.sms-brand img{height:36px;display:block; margin:0 auto;}
.sms-title{text-align:center;margin-top:10px;line-height:1;}
.sms-title-top{font-size:18px;font-weight:700;letter-spacing:-0.3px;}
.sms-title-strong{font-size:23px;font-weight:900;color:#2fe3d0;letter-spacing:-0.4px;margin-top:2px;}
.sms-line{width:100%;height:1px;margin:14px 0 14px 0;background:linear-gradient(90deg,rgba(255,255,255,0) 0%,rgba(255,255,255,.75) 50%,rgba(255,255,255,0) 100%);opacity:.9;}
.sms-desc{text-align:center;font-size:13px;font-weight:500;line-height:1.5;color:rgba(255,255,255,.92);margin:0 0 14px 0;}
.sms-agree{display:flex;align-items:center;gap:6px;justify-content:center;color:rgba(255,255,255,.9);margin-bottom:12px;cursor:pointer;}
.sms-agree span{font-size:12px;}
.sms-agree input{width:14px;height:14px;accent-color:#2fe3d0;}
.sms-phone-input{display:flex;align-items:center;justify-content:center;gap:2px;margin-bottom:28px;}
.sms-phone-input input{height:26px;border:0;border-radius:6px;background:rgba(255,255,255,.22);color:#fff;text-align:center;font-size:12px;font-weight:700;outline:none;}
.sms-phone-input input[name="hp1"]{width:40px;}
.sms-phone-input input[name="hp2"],.sms-phone-input input[name="hp3"]{width:52px;}
.sms-phone-input .dash{color:rgba(255,255,255,.9);font-weight:800;line-height:1;}
.sms-send{width:100%;height:44px;border:0;border-radius:8px;background:#2f80ff;color:#fff;font-size:15px;font-weight:800;cursor:pointer;box-shadow:0 10px 18px rgba(0,0,0,.25);transition:transform .2s ease,filter .2s ease;}
.sms-send:hover{transform:translateY(-1px);filter:brightness(.97);}

/* 1200 영역 기준 오른쪽에 붙는 느낌(너무 바깥이면 살짝 당김) */
@media(max-width:1400px){
.sms-float
{transform:translateX(520px);}
}

/* 모바일에서는 숨김(원하시면 bottom-fixed 형태로 바꿔드릴게요) */
@media(max-width:1024px){
.sms-float
{display:none;}
}