:root {
    /* SGI서울보증 공식 CI 컬러 시스템 (sgic.co.kr 공식 블루·네이비 중심 톤앤매너) */
    --sgi-passion: #F04E00;          /* 심볼마크 포인트 전용 (최소화) */
    --sgi-leading: #003894;          /* Leading: SGI 메인 로얄 블루 */
    --sgi-leading-hover: #002970;
    --sgi-leading-light: #EEF4FC;
    --sgi-leading-soft: #E0ECFA;
    --sgi-reliability: #001B54;      /* Reliability: SGI 딥 네이비 */
    --sgi-reliability-dark: #001238;
    --sgi-accent-sky: #0056D6;       /* 모던 금융 포인트 블루 */

    /* 중립 및 배경 컬러 (화이트 & 쿨그레이 기반 고가독성 금융 테마) */
    --bg-white: #FFFFFF;
    --bg-subtle: #F4F7FB;
    --bg-card: #FFFFFF;
    --text-primary: #111827;
    --text-secondary: #374151;
    --text-muted: #64748B;
    --border-color: #E2E8F0;
    --border-strong: #CBD5E1;

    /* 그림자 및 반경 */
    --shadow-sm: 0 2px 8px rgba(0, 27, 84, 0.04);
    --shadow-md: 0 10px 26px rgba(0, 27, 84, 0.07);
    --shadow-lg: 0 20px 42px rgba(0, 27, 84, 0.11);
    --radius-sm: 8px;
    --radius-md: 14px;
    --radius-lg: 20px;
    --transition: all 0.22s cubic-bezier(0.4, 0, 0.2, 1);
}

* {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
    background-color: var(--bg-white);
    color: var(--text-primary);
    font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Malgun Gothic', '맑은 고딕', sans-serif;
    line-height: 1.6;
}

body {
    background-color: var(--bg-white);
    color: var(--text-primary);
    overflow-x: hidden;
}

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

ul, ol {
    list-style: none;
}

.container {
    width: 100%;
    max-width: 1240px;
    margin: 0 auto;
    padding: 0 24px;
}

/* ==========================================
   1. Top Info Bar
   ========================================== */
.top-bar {
    background-color: var(--sgi-reliability);
    color: rgba(255, 255, 255, 0.9);
    font-size: 0.85rem;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.top-bar-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    min-height: 38px;
    padding-top: 6px;
    padding-bottom: 6px;
    flex-wrap: wrap;
    gap: 12px;
}

.top-bar-slogan {
    display: flex;
    align-items: center;
    gap: 10px;
    font-weight: 500;
    letter-spacing: 0.01em;
}

.slogan-badge {
    background: rgba(255, 255, 255, 0.14);
    border: 1px solid rgba(255, 255, 255, 0.22);
    color: #FFFFFF;
    font-size: 0.72rem;
    font-weight: 700;
    padding: 2px 9px;
    border-radius: 999px;
    letter-spacing: 0.03em;
}

.top-bar-contacts {
    display: flex;
    align-items: center;
    gap: 20px;
    flex-wrap: wrap;
}

.top-contact-item {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: rgba(255, 255, 255, 0.9);
    transition: var(--transition);
    font-weight: 500;
}

.top-contact-item:hover {
    color: #93C5FD;
}

.top-contact-item strong {
    color: #FFFFFF;
    font-weight: 700;
}

.top-divider {
    width: 1px;
    height: 12px;
    background-color: rgba(255, 255, 255, 0.22);
}

/* ==========================================
   2. Header & Navigation
   ========================================== */
.site-header {
    position: sticky;
    top: 0;
    z-index: 1000;
    background-color: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(10px);
    border-bottom: 1px solid var(--border-color);
    box-shadow: var(--shadow-sm);
}

.header-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 80px;
    gap: 20px;
}

.brand-logo {
    display: flex;
    align-items: center;
    gap: 12px;
}

.sgi-symbol-svg {
    width: 42px;
    height: 42px;
    flex-shrink: 0;
}

.brand-text-group {
    display: flex;
    flex-direction: column;
}

.brand-main {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 1.28rem;
    font-weight: 800;
    color: var(--sgi-reliability);
    letter-spacing: -0.02em;
    line-height: 1.2;
}

.brand-main .sgi-en {
    color: var(--sgi-leading);
    font-weight: 900;
    letter-spacing: -0.01em;
}

.brand-agency-badge {
    background-color: var(--sgi-leading-light);
    color: var(--sgi-leading);
    border: 1px solid rgba(0, 56, 148, 0.18);
    font-size: 0.9rem;
    font-weight: 700;
    padding: 2px 10px;
    border-radius: 6px;
}

.brand-sub {
    font-size: 0.74rem;
    color: var(--text-muted);
    font-weight: 600;
    letter-spacing: 0.02em;
    margin-top: 2px;
}

.main-nav {
    display: flex;
    align-items: center;
    gap: 32px;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 28px;
}

.nav-link {
    font-size: 1rem;
    font-weight: 600;
    color: var(--text-primary);
    padding: 8px 2px;
    position: relative;
    transition: var(--transition);
}

.nav-link::after {
    content: '';
    position: absolute;
    left: 0;
    bottom: 0;
    width: 0;
    height: 2.5px;
    background-color: var(--sgi-leading);
    border-radius: 2px;
    transition: var(--transition);
}

.nav-link:hover {
    color: var(--sgi-leading);
}

.nav-link:hover::after {
    width: 100%;
}

.btn-nav-cta {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: linear-gradient(135deg, var(--sgi-leading) 0%, var(--sgi-reliability) 100%);
    color: #FFFFFF;
    font-weight: 700;
    font-size: 0.95rem;
    padding: 11px 22px;
    border-radius: 999px;
    box-shadow: 0 6px 16px rgba(0, 56, 148, 0.22);
    transition: var(--transition);
}

.btn-nav-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 22px rgba(0, 56, 148, 0.32);
    background: linear-gradient(135deg, var(--sgi-accent-sky) 0%, var(--sgi-leading) 100%);
}

.mobile-menu-btn {
    display: none;
    background: none;
    border: 1px solid var(--border-color);
    border-radius: 8px;
    padding: 8px 10px;
    cursor: pointer;
    color: var(--sgi-reliability);
}

/* ==========================================
   3. Hero Section (SGI 클린 블루 & 화이트 톤)
   ========================================== */
.hero-section {
    position: relative;
    background:
        radial-gradient(circle at 85% 20%, rgba(0, 56, 148, 0.07) 0%, transparent 48%),
        radial-gradient(circle at 10% 80%, rgba(0, 27, 84, 0.04) 0%, transparent 40%),
        linear-gradient(180deg, #F5F8FE 0%, #FFFFFF 100%);
    padding: 72px 0 84px;
    border-bottom: 1px solid var(--border-color);
    overflow: hidden;
}

.hero-ci-bar {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--sgi-leading) 0%, var(--sgi-reliability) 100%);
}

.hero-grid {
    display: grid;
    grid-template-columns: 1.15fr 0.85fr;
    gap: 56px;
    align-items: center;
}

.hero-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background-color: #FFFFFF;
    border: 1px solid rgba(0, 56, 148, 0.18);
    padding: 7px 16px;
    border-radius: 999px;
    font-size: 0.86rem;
    font-weight: 700;
    color: var(--sgi-leading);
    box-shadow: var(--shadow-sm);
    margin-bottom: 22px;
}

.hero-eyebrow .dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background-color: var(--sgi-leading);
}

.hero-title {
    font-size: clamp(2.1rem, 3.6vw, 3.05rem);
    font-weight: 800;
    color: var(--sgi-reliability);
    line-height: 1.28;
    letter-spacing: -0.03em;
    margin-bottom: 22px;
    word-break: keep-all;
}

.hero-title .highlight-blue {
    color: var(--sgi-leading);
}

.hero-title .highlight-navy {
    color: var(--sgi-reliability);
    box-shadow: inset 0 -10px 0 rgba(0, 56, 148, 0.12);
}

.hero-description {
    font-size: 1.14rem;
    color: var(--text-secondary);
    line-height: 1.75;
    margin-bottom: 32px;
    word-break: keep-all;
}

.hero-description strong {
    color: var(--sgi-reliability);
    font-weight: 700;
}

.hero-actions {
    display: flex;
    align-items: center;
    gap: 14px;
    flex-wrap: wrap;
    margin-bottom: 36px;
}

.btn-primary-lg {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    background: linear-gradient(135deg, var(--sgi-leading) 0%, var(--sgi-reliability) 100%);
    color: #FFFFFF;
    font-size: 1.05rem;
    font-weight: 700;
    padding: 16px 32px;
    border-radius: 10px;
    box-shadow: 0 10px 24px rgba(0, 56, 148, 0.24);
    transition: var(--transition);
    border: none;
    cursor: pointer;
}

.btn-primary-lg:hover {
    transform: translateY(-2px);
    box-shadow: 0 14px 28px rgba(0, 56, 148, 0.34);
    background: linear-gradient(135deg, var(--sgi-accent-sky) 0%, var(--sgi-leading) 100%);
}

.btn-secondary-lg {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    background-color: #FFFFFF;
    color: var(--sgi-reliability);
    border: 1.5px solid var(--border-strong);
    font-size: 1.05rem;
    font-weight: 700;
    padding: 15px 28px;
    border-radius: 10px;
    transition: var(--transition);
}

.btn-secondary-lg:hover {
    border-color: var(--sgi-leading);
    color: var(--sgi-leading);
    background-color: var(--sgi-leading-light);
    transform: translateY(-2px);
}

.hero-trust-badges {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 14px;
    padding-top: 24px;
    border-top: 1px solid var(--border-color);
}

.trust-badge-item {
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.trust-badge-label {
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--text-muted);
}

.trust-badge-value {
    font-size: 1.02rem;
    font-weight: 800;
    color: var(--sgi-reliability);
}

.trust-badge-value span {
    color: var(--sgi-leading);
}

/* Hero Visual Card */
.hero-visual {
    position: relative;
}

.hero-image-frame {
    position: relative;
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    border: 4px solid #FFFFFF;
    background: linear-gradient(145deg, var(--sgi-reliability) 0%, var(--sgi-leading) 100%);
    aspect-ratio: 4 / 4.2;
}

.hero-image-frame img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}

.hero-floating-card {
    position: absolute;
    bottom: -20px;
    left: -24px;
    right: 24px;
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(12px);
    border-radius: var(--radius-md);
    padding: 18px 22px;
    box-shadow: var(--shadow-lg);
    border-left: 5px solid var(--sgi-leading);
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
}

.floating-card-info h3 {
    font-size: 0.96rem;
    font-weight: 800;
    color: var(--sgi-reliability);
    margin-bottom: 2px;
}

.floating-card-info p {
    font-size: 0.84rem;
    color: var(--text-secondary);
}

.floating-call-pill {
    background-color: var(--sgi-leading-light);
    color: var(--sgi-leading);
    font-weight: 800;
    font-size: 0.98rem;
    padding: 8px 14px;
    border-radius: 8px;
    white-space: nowrap;
}

/* ==========================================
   Section Common Layout
   ========================================== */
.section {
    padding: 88px 0;
}

.section-subtle {
    background-color: var(--bg-subtle);
}

.section-header {
    text-align: center;
    max-width: 760px;
    margin: 0 auto 52px;
}

.section-tag {
    display: inline-block;
    font-size: 0.8rem;
    font-weight: 800;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--sgi-leading);
    background-color: var(--sgi-leading-light);
    border: 1px solid rgba(0, 56, 148, 0.14);
    padding: 5px 14px;
    border-radius: 999px;
    margin-bottom: 12px;
}

.section-title {
    font-size: clamp(1.75rem, 2.8vw, 2.3rem);
    font-weight: 800;
    color: var(--sgi-reliability);
    letter-spacing: -0.02em;
    margin-bottom: 12px;
}

.section-subtitle {
    font-size: 1.04rem;
    color: var(--text-secondary);
    word-break: keep-all;
}

/* ==========================================
   4. 바로신청 (온라인 상담신청 폼)
   ========================================== */
.apply-layout {
    display: grid;
    grid-template-columns: 0.9fr 1.1fr;
    gap: 40px;
    align-items: start;
}

.apply-info-panel {
    background: linear-gradient(160deg, var(--sgi-reliability) 0%, var(--sgi-leading) 100%);
    color: #FFFFFF;
    border-radius: var(--radius-lg);
    padding: 42px 36px;
    box-shadow: var(--shadow-lg);
    position: relative;
    overflow: hidden;
}

.apply-info-panel::before {
    content: '';
    position: absolute;
    top: -60px;
    right: -60px;
    width: 220px;
    height: 220px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.06);
    pointer-events: none;
}

.apply-info-badge {
    display: inline-block;
    background-color: rgba(255, 255, 255, 0.15);
    border: 1px solid rgba(255, 255, 255, 0.25);
    color: #FFFFFF;
    font-size: 0.78rem;
    font-weight: 700;
    padding: 4px 12px;
    border-radius: 999px;
    margin-bottom: 18px;
}

.apply-info-panel h3 {
    font-size: 1.6rem;
    font-weight: 800;
    line-height: 1.36;
    margin-bottom: 14px;
    word-break: keep-all;
}

.apply-info-panel p {
    color: rgba(255, 255, 255, 0.86);
    font-size: 0.96rem;
    margin-bottom: 28px;
    word-break: keep-all;
}

.apply-direct-contacts {
    display: flex;
    flex-direction: column;
    gap: 14px;
    padding: 22px;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.15);
    border-radius: var(--radius-md);
    margin-bottom: 28px;
}

.direct-contact-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.94rem;
}

.direct-contact-row span {
    color: rgba(255, 255, 255, 0.75);
}

.direct-contact-row strong {
    font-size: 1.06rem;
    color: #FFFFFF;
    font-weight: 700;
}

.apply-steps-list {
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.apply-step-item {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 0.93rem;
    color: rgba(255, 255, 255, 0.92);
}

.step-num {
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background-color: rgba(255, 255, 255, 0.2);
    border: 1px solid rgba(255, 255, 255, 0.35);
    color: #FFFFFF;
    font-weight: 800;
    font-size: 0.8rem;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

/* Form Card */
.apply-form-card {
    background-color: #FFFFFF;
    border: 1px solid var(--border-color);
    border-radius: var(--radius-lg);
    padding: 40px;
    box-shadow: var(--shadow-md);
}

.form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.form-group.full-width {
    grid-column: 1 / -1;
}

.form-label {
    font-size: 0.92rem;
    font-weight: 700;
    color: var(--sgi-reliability);
    display: flex;
    align-items: center;
    gap: 4px;
}

.required-mark {
    color: var(--sgi-leading);
    font-weight: 800;
}

.form-control {
    width: 100%;
    padding: 13px 16px;
    border: 1.5px solid var(--border-strong);
    border-radius: 10px;
    font-size: 0.97rem;
    font-family: inherit;
    color: var(--text-primary);
    background-color: #FFFFFF;
    transition: var(--transition);
}

.form-control:focus {
    outline: none;
    border-color: var(--sgi-leading);
    box-shadow: 0 0 0 4px rgba(0, 56, 148, 0.1);
}

textarea.form-control {
    min-height: 115px;
    resize: vertical;
}

/* 개인정보 수집 및 이용 동의 박스 */
.privacy-consent-box {
    margin-top: 6px;
    border: 1px solid var(--border-color);
    background-color: var(--bg-subtle);
    border-radius: 12px;
    padding: 18px;
}

.privacy-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 12px;
    margin-bottom: 12px;
    flex-wrap: wrap;
}

.privacy-check-label {
    display: flex;
    align-items: center;
    gap: 10px;
    font-weight: 700;
    font-size: 0.94rem;
    color: var(--sgi-reliability);
    cursor: pointer;
}

.privacy-check-label input[type="checkbox"] {
    width: 18px;
    height: 18px;
    accent-color: var(--sgi-leading);
    cursor: pointer;
}

.privacy-toggle-btn {
    background: #FFFFFF;
    border: 1px solid var(--border-strong);
    color: var(--text-secondary);
    font-size: 0.8rem;
    font-weight: 600;
    padding: 4px 10px;
    border-radius: 6px;
    cursor: pointer;
}

.privacy-terms-scroll {
    max-height: 170px;
    overflow-y: auto;
    background-color: #FFFFFF;
    border: 1px solid var(--border-color);
    border-radius: 8px;
    padding: 14px 16px;
    font-size: 0.83rem;
    color: var(--text-secondary);
    line-height: 1.65;
}

.privacy-terms-scroll h4 {
    color: var(--sgi-reliability);
    font-size: 0.86rem;
    margin-top: 10px;
    margin-bottom: 4px;
}

.privacy-terms-scroll h4:first-of-type {
    margin-top: 8px;
}

.privacy-notice-warn {
    color: var(--sgi-leading);
    font-weight: 600;
    margin-top: 4px;
    margin-bottom: 8px;
}

.form-submit-area {
    margin-top: 22px;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.btn-submit-full {
    width: 100%;
    padding: 16px 24px;
    background: linear-gradient(135deg, var(--sgi-leading) 0%, var(--sgi-reliability) 100%);
    color: #FFFFFF;
    font-size: 1.06rem;
    font-weight: 800;
    border: none;
    border-radius: 10px;
    cursor: pointer;
    box-shadow: 0 10px 22px rgba(0, 56, 148, 0.22);
    transition: var(--transition);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
}

.btn-submit-full:hover {
    transform: translateY(-2px);
    box-shadow: 0 14px 28px rgba(0, 56, 148, 0.32);
    background: linear-gradient(135deg, var(--sgi-accent-sky) 0%, var(--sgi-leading) 100%);
}

.form-recipient-note {
    text-align: center;
    font-size: 0.82rem;
    color: var(--text-muted);
}

/* ==========================================
   5. 상품안내 (8대 주요 보증상품 - sgic.co.kr 카드 스타일)
   ========================================== */
.products-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 22px;
}

.product-card {
    background-color: #FFFFFF;
    border: 1px solid var(--border-color);
    border-radius: var(--radius-md);
    padding: 28px 24px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    transition: var(--transition);
    cursor: pointer;
    position: relative;
    overflow: hidden;
    text-align: left;
    box-shadow: var(--shadow-sm);
}

.product-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 3px;
    background-color: var(--border-color);
    transition: var(--transition);
}

.product-card:hover {
    transform: translateY(-5px);
    border-color: var(--sgi-leading);
    box-shadow: var(--shadow-lg);
}

.product-card:hover::before {
    background-color: var(--sgi-leading);
}

.product-icon-wrap {
    width: 50px;
    height: 50px;
    border-radius: 12px;
    background-color: var(--sgi-leading-light);
    color: var(--sgi-leading);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 18px;
    transition: var(--transition);
}

.product-card:hover .product-icon-wrap {
    background-color: var(--sgi-leading);
    color: #FFFFFF;
}

.product-code-tag {
    font-size: 0.75rem;
    font-weight: 700;
    color: var(--sgi-leading);
    margin-bottom: 6px;
    display: block;
}

.product-title {
    font-size: 1.2rem;
    font-weight: 800;
    color: var(--sgi-reliability);
    margin-bottom: 10px;
}

.product-desc {
    font-size: 0.9rem;
    color: var(--text-secondary);
    line-height: 1.55;
    margin-bottom: 22px;
    word-break: keep-all;
}

.product-link-footer {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-top: 14px;
    border-top: 1px solid var(--border-color);
    font-size: 0.86rem;
    font-weight: 700;
    color: var(--sgi-reliability);
    transition: var(--transition);
}

.product-card:hover .product-link-footer {
    color: var(--sgi-leading);
}

/* ==========================================
   6. 취급업무 (핵심 역량 및 프로세스)
   ========================================== */
.services-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
    margin-bottom: 48px;
}

.service-box {
    background-color: #FFFFFF;
    border: 1px solid var(--border-color);
    border-radius: var(--radius-md);
    padding: 32px;
    box-shadow: var(--shadow-sm);
    display: flex;
    gap: 22px;
    align-items: flex-start;
    transition: var(--transition);
}

.service-box:hover {
    border-color: var(--sgi-leading);
    box-shadow: var(--shadow-md);
}

.service-badge-num {
    width: 46px;
    height: 46px;
    border-radius: 12px;
    background: var(--sgi-leading-light);
    color: var(--sgi-leading);
    border: 1px solid rgba(0, 56, 148, 0.15);
    font-weight: 800;
    font-size: 1.05rem;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.service-box-content h3 {
    font-size: 1.2rem;
    font-weight: 800;
    color: var(--sgi-reliability);
    margin-bottom: 8px;
}

.service-box-content p {
    font-size: 0.94rem;
    color: var(--text-secondary);
    margin-bottom: 14px;
    word-break: keep-all;
}

.service-tags {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

.service-tag {
    background-color: var(--bg-subtle);
    border: 1px solid var(--border-color);
    color: var(--sgi-reliability);
    font-size: 0.8rem;
    font-weight: 600;
    padding: 4px 10px;
    border-radius: 6px;
}

/* 발급 절차 배너 */
.process-banner {
    background: linear-gradient(90deg, var(--sgi-reliability) 0%, var(--sgi-leading) 100%);
    border-radius: var(--radius-lg);
    padding: 36px 40px;
    color: #FFFFFF;
    box-shadow: var(--shadow-md);
}

.process-banner-title {
    font-size: 1.22rem;
    font-weight: 800;
    margin-bottom: 24px;
    display: flex;
    align-items: center;
    gap: 10px;
}

.process-steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

.process-step-card {
    background: rgba(255, 255, 255, 0.09);
    border: 1px solid rgba(255, 255, 255, 0.16);
    border-radius: 12px;
    padding: 20px;
}

.process-step-card .step-idx {
    font-size: 0.76rem;
    font-weight: 800;
    color: #93C5FD;
    letter-spacing: 0.05em;
    display: block;
    margin-bottom: 6px;
}

.process-step-card h4 {
    font-size: 1.04rem;
    font-weight: 800;
    margin-bottom: 6px;
}

.process-step-card p {
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.84);
    word-break: keep-all;
}

/* ==========================================
   7. 대리점 소개 및 오시는 길
   ========================================== */
.about-grid {
    display: grid;
    grid-template-columns: 1.05fr 0.95fr;
    gap: 36px;
    align-items: stretch;
}

.agency-profile-card {
    background-color: #FFFFFF;
    border: 1px solid var(--border-color);
    border-radius: var(--radius-lg);
    padding: 40px;
    box-shadow: var(--shadow-md);
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

.agency-branch-tag {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background-color: var(--sgi-leading-light);
    color: var(--sgi-leading);
    font-weight: 800;
    font-size: 0.86rem;
    padding: 6px 14px;
    border-radius: 8px;
    margin-bottom: 14px;
}

.agency-name-heading {
    font-size: 1.72rem;
    font-weight: 800;
    color: var(--sgi-reliability);
    margin-bottom: 24px;
}

.agency-info-table {
    display: flex;
    flex-direction: column;
    border-top: 2px solid var(--sgi-reliability);
    margin-bottom: 28px;
}

.agency-info-row {
    display: grid;
    grid-template-columns: 130px 1fr;
    padding: 14px 8px;
    border-bottom: 1px solid var(--border-color);
    align-items: center;
    font-size: 0.95rem;
}

.agency-info-label {
    font-weight: 700;
    color: var(--sgi-reliability);
}

.agency-info-value {
    color: var(--text-secondary);
    font-weight: 500;
}

.agency-info-value strong {
    color: var(--sgi-leading);
    font-weight: 800;
}

.agency-info-value .cert-highlight {
    display: inline-block;
    background-color: var(--sgi-leading-light);
    color: var(--sgi-leading);
    border: 1px solid rgba(0, 56, 148, 0.16);
    font-weight: 700;
    padding: 2px 9px;
    border-radius: 6px;
    font-size: 0.88rem;
}

.btn-inline-popup {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    background-color: var(--sgi-leading-light);
    color: var(--sgi-leading);
    border: 1px solid rgba(0, 56, 148, 0.25);
    font-weight: 700;
    font-size: 0.82rem;
    padding: 4px 10px;
    border-radius: 6px;
    cursor: pointer;
    margin-left: 8px;
    transition: var(--transition);
    vertical-align: middle;
}

.btn-inline-popup:hover {
    background-color: var(--sgi-leading);
    color: #FFFFFF;
}

/* 공식 인증 및 보험판매인 조회 카드 영역 */
.agency-verify-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 28px;
    margin-top: 32px;
}

.verify-card {
    background-color: #FFFFFF;
    border: 1px solid var(--border-color);
    border-radius: var(--radius-lg);
    padding: 28px 30px;
    box-shadow: var(--shadow-sm);
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    transition: var(--transition);
    cursor: pointer;
    text-align: left;
    width: 100%;
}

.verify-card:hover {
    border-color: var(--sgi-leading);
    box-shadow: var(--shadow-md);
    transform: translateY(-3px);
}

.verify-card-info {
    flex: 1;
}

.verify-card-tag {
    display: inline-block;
    font-size: 0.76rem;
    font-weight: 800;
    color: var(--sgi-leading);
    background-color: var(--sgi-leading-light);
    padding: 3px 10px;
    border-radius: 999px;
    margin-bottom: 8px;
}

.verify-card-title {
    font-size: 1.24rem;
    font-weight: 800;
    color: var(--sgi-reliability);
    margin-bottom: 6px;
}

.verify-card-desc {
    font-size: 0.9rem;
    color: var(--text-secondary);
    line-height: 1.55;
    margin-bottom: 14px;
    word-break: keep-all;
}

.verify-card-cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 0.88rem;
    font-weight: 800;
    color: var(--sgi-leading);
}

.verify-thumb-license {
    width: 96px;
    height: 126px;
    border-radius: 8px;
    overflow: hidden;
    border: 1px solid var(--border-strong);
    box-shadow: var(--shadow-sm);
    flex-shrink: 0;
    background-color: var(--bg-subtle);
}

.verify-thumb-license img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}

.verify-banner-img-wrap {
    width: 100%;
    border-radius: 10px;
    overflow: hidden;
    border: 1px solid var(--border-color);
    margin-top: 8px;
}

.verify-banner-img-wrap img {
    width: 100%;
    height: auto;
    display: block;
}

.agency-action-buttons {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
}

.btn-call-action {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    background-color: var(--sgi-leading);
    color: #FFFFFF;
    font-weight: 800;
    font-size: 1rem;
    padding: 15px 20px;
    border-radius: 10px;
    transition: var(--transition);
    border: none;
    cursor: pointer;
}

.btn-call-action:hover {
    background-color: var(--sgi-leading-hover);
    transform: translateY(-2px);
}

.btn-copy-address {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    background-color: var(--sgi-reliability);
    color: #FFFFFF;
    font-weight: 800;
    font-size: 1rem;
    padding: 15px 20px;
    border-radius: 10px;
    transition: var(--transition);
    border: none;
    cursor: pointer;
}

.btn-copy-address:hover {
    background-color: var(--sgi-leading);
    transform: translateY(-2px);
}

/* Map Card */
.agency-map-card {
    background-color: #FFFFFF;
    border: 1px solid var(--border-color);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
    display: flex;
    flex-direction: column;
}

.map-iframe-wrapper {
    flex: 1;
    min-height: 410px;
    background-color: #F4F5F2;
    position: relative;
}

.naver-style-map-canvas {
    width: 100%;
    height: 100%;
    min-height: 410px;
    z-index: 1;
}

/* 네이버 지도 특유의 밝고 산뜻한 색감 필터 */
.naver-tile-filter {
    filter: saturate(1.06) contrast(0.98) brightness(1.02);
}

/* 상단 좌측 네이버 지도 검색바 UI */
.nmap-search-bar {
    position: absolute;
    top: 14px;
    left: 14px;
    z-index: 500;
    background: #FFFFFF;
    border-radius: 8px;
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.16);
    border: 1px solid rgba(0, 0, 0, 0.08);
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 7px 11px;
    max-width: calc(100% - 170px);
}

.nmap-logo-n {
    width: 22px;
    height: 22px;
    border-radius: 5px;
    background-color: #03C75A;
    color: #FFFFFF;
    font-weight: 900;
    font-size: 0.82rem;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.nmap-search-text {
    font-size: 0.83rem;
    font-weight: 700;
    color: #1E293B;
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
}

.nmap-search-btn {
    background-color: #03C75A;
    color: #FFFFFF;
    font-size: 0.75rem;
    font-weight: 800;
    padding: 4px 9px;
    border-radius: 5px;
    white-space: nowrap;
    flex-shrink: 0;
    transition: var(--transition);
}

.nmap-search-btn:hover {
    background-color: #02B04F;
}

/* 상단 우측 일반지도/위성지도 토글 */
.nmap-type-control {
    position: absolute;
    top: 14px;
    right: 14px;
    z-index: 500;
    display: flex;
    background: #FFFFFF;
    border-radius: 7px;
    overflow: hidden;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.16);
    border: 1px solid rgba(0, 0, 0, 0.1);
}

.nmap-type-btn {
    background: #FFFFFF;
    border: none;
    padding: 7px 11px;
    font-size: 0.78rem;
    font-weight: 700;
    color: #475569;
    cursor: pointer;
    font-family: inherit;
}

.nmap-type-btn.active {
    background-color: #03C75A;
    color: #FFFFFF;
}

/* 우측 줌 컨트롤 */
.nmap-zoom-control {
    position: absolute;
    right: 14px;
    bottom: 24px;
    z-index: 500;
    display: flex;
    flex-direction: column;
    background: #FFFFFF;
    border-radius: 8px;
    overflow: hidden;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.16);
    border: 1px solid rgba(0, 0, 0, 0.1);
}

.nmap-ctrl-btn {
    width: 34px;
    height: 34px;
    background: #FFFFFF;
    border: none;
    border-bottom: 1px solid #E2E8F0;
    font-size: 1.1rem;
    font-weight: 700;
    color: #334155;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
}

.nmap-ctrl-btn:last-child {
    border-bottom: none;
}

.nmap-ctrl-btn:hover {
    background-color: #F8FAFC;
    color: #03C75A;
}

/* 네이버 지도 초록색 마커 & 장소 말풍선 */
.naver-custom-div-icon {
    background: transparent;
    border: none;
}

.naver-custom-pin-wrap {
    position: absolute;
    bottom: 0;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    flex-direction: column;
    align-items: center;
    width: 276px;
    pointer-events: auto;
}

.naver-info-bubble {
    background: #FFFFFF;
    border: 2px solid #03C75A;
    border-radius: 12px;
    padding: 11px 14px;
    box-shadow: 0 6px 20px rgba(0, 0, 0, 0.18);
    width: 100%;
    margin-bottom: 6px;
    position: relative;
}

.naver-info-bubble::after {
    content: '';
    position: absolute;
    bottom: -8px;
    left: 50%;
    transform: translateX(-50%);
    border-width: 8px 7px 0;
    border-style: solid;
    border-color: #03C75A transparent transparent;
}

.naver-bubble-title {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 0.88rem;
    font-weight: 800;
    color: #111827;
    margin-bottom: 2px;
    white-space: nowrap;
}

.naver-bubble-badge {
    background: #03C75A;
    color: #FFFFFF;
    font-size: 0.68rem;
    font-weight: 900;
    padding: 1px 5px;
    border-radius: 4px;
}

.naver-bubble-addr {
    font-size: 0.76rem;
    color: #374151;
    font-weight: 600;
    margin-bottom: 8px;
    white-space: nowrap;
}

.naver-bubble-actions {
    display: flex;
    gap: 6px;
}

.naver-bubble-link {
    flex: 1;
    text-align: center;
    background: #F0FDF4;
    border: 1px solid #86EFAC;
    color: #15803D;
    font-size: 0.75rem;
    font-weight: 800;
    padding: 5px 8px;
    border-radius: 6px;
    text-decoration: none;
    white-space: nowrap;
}

.naver-bubble-link.primary {
    background: #03C75A;
    border-color: #03C75A;
    color: #FFFFFF;
}

.btn-map-naver {
    background-color: #03C75A !important;
    border-color: #03C75A !important;
    color: #FFFFFF !important;
    display: inline-flex;
    align-items: center;
    gap: 6px;
}

.btn-map-naver:hover {
    background-color: #02B04F !important;
    color: #FFFFFF !important;
}

.naver-n-dot {
    background: #FFFFFF;
    color: #03C75A;
    font-weight: 900;
    font-size: 0.72rem;
    width: 16px;
    height: 16px;
    border-radius: 3px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
}

.map-card-footer {
    padding: 20px 24px;
    background-color: #FFFFFF;
    border-top: 1px solid var(--border-color);
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 12px;
    flex-wrap: wrap;
}

.map-address-text {
    font-size: 0.94rem;
    font-weight: 700;
    color: var(--sgi-reliability);
}

.map-ext-links {
    display: flex;
    gap: 8px;
}

.btn-map-ext {
    font-size: 0.82rem;
    font-weight: 700;
    padding: 7px 12px;
    border-radius: 8px;
    border: 1px solid var(--border-strong);
    background-color: var(--bg-subtle);
    color: var(--text-secondary);
    transition: var(--transition);
}

.btn-map-ext:hover {
    border-color: var(--sgi-leading);
    color: var(--sgi-leading);
    background-color: var(--sgi-leading-light);
}

/* ==========================================
   8. Footer & Toast / Modal
   ========================================== */
.site-footer {
    background-color: var(--sgi-reliability-dark);
    color: rgba(255, 255, 255, 0.78);
    padding: 56px 0 40px;
    font-size: 0.9rem;
}

.footer-top {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    gap: 32px;
    padding-bottom: 32px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.12);
    flex-wrap: wrap;
}

.footer-brand h4 {
    color: #FFFFFF;
    font-size: 1.18rem;
    font-weight: 800;
    margin-bottom: 8px;
}

.footer-brand p {
    margin-bottom: 4px;
}

.footer-bottom {
    padding-top: 24px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 12px;
    font-size: 0.82rem;
    color: rgba(255, 255, 255, 0.55);
}

/* Toast Notification */
.toast-message {
    position: fixed;
    bottom: 28px;
    left: 50%;
    transform: translateX(-50%) translateY(100px);
    background-color: var(--sgi-reliability);
    color: #FFFFFF;
    padding: 14px 24px;
    border-radius: 999px;
    font-weight: 700;
    font-size: 0.95rem;
    box-shadow: var(--shadow-lg);
    border: 1px solid rgba(255, 255, 255, 0.15);
    z-index: 3000;
    opacity: 0;
    transition: all 0.3s ease;
    pointer-events: none;
}

.toast-message.show {
    transform: translateX(-50%) translateY(0);
    opacity: 1;
}

/* Modal */
.modal-backdrop {
    position: fixed;
    inset: 0;
    background: rgba(0, 17, 56, 0.65);
    backdrop-filter: blur(4px);
    display: none;
    align-items: center;
    justify-content: center;
    z-index: 2500;
    padding: 20px;
}

.modal-backdrop.active {
    display: flex;
}

.modal-card {
    background: #FFFFFF;
    border-radius: var(--radius-lg);
    max-width: 520px;
    width: 100%;
    padding: 36px 32px;
    box-shadow: var(--shadow-lg);
    text-align: center;
}

.modal-card h3 {
    font-size: 1.4rem;
    font-weight: 800;
    color: var(--sgi-reliability);
    margin-bottom: 10px;
}

.modal-card p {
    font-size: 0.95rem;
    color: var(--text-secondary);
    margin-bottom: 20px;
}

.modal-summary-box {
    text-align: left;
    background: var(--bg-subtle);
    border: 1px solid var(--border-color);
    border-radius: 10px;
    padding: 16px;
    font-size: 0.88rem;
    margin-bottom: 20px;
    white-space: pre-wrap;
    color: var(--text-primary);
}

.modal-actions {
    display: flex;
    gap: 10px;
    justify-content: center;
    flex-wrap: wrap;
}

/* ==========================================
   Responsive Breakpoints
   ========================================== */
@media (max-width: 1080px) {
    .products-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .hero-grid,
    .apply-layout,
    .about-grid,
    .agency-verify-grid {
        grid-template-columns: 1fr;
    }
    .process-steps {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 768px) {
    .top-bar-slogan {
        display: none;
    }
    .mobile-menu-btn {
        display: inline-flex;
    }
    .main-nav {
        position: absolute;
        top: 80px;
        left: 0;
        right: 0;
        background: #FFFFFF;
        flex-direction: column;
        padding: 20px 24px;
        border-bottom: 1px solid var(--border-color);
        box-shadow: var(--shadow-md);
        display: none;
    }
    .main-nav.open {
        display: flex;
    }
    .nav-links {
        flex-direction: column;
        width: 100%;
        gap: 14px;
    }
    .services-grid,
    .products-grid,
    .form-grid,
    .process-steps,
    .hero-trust-badges,
    .agency-action-buttons {
        grid-template-columns: 1fr;
    }
    .hero-floating-card {
        position: static;
        margin-top: 14px;
    }
    .apply-form-card,
    .agency-profile-card {
        padding: 26px 20px;
    }
}