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

body {
    font-family: 'Segoe UI', 'Apple SD Gothic Neo', 'Malgun Gothic', sans-serif;
    background: #f5f7fa;
    color: #1e2a3a;
    line-height: 1.6;
}

.container {
    max-width: 1100px;
    margin: 0 auto;
    padding: 0 20px;
}

.header {
    background: #e3f2fd !important;
    color: #1e2a3a;
    padding: 18px 0;
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: 0 2px 12px rgba(0,0,0,0.08);
}

.header .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo {
    font-size: 24px;
    font-weight: 700;
    letter-spacing: -0.5px;
}

.header nav a {
    color: #1e2a3a;
    text-decoration: none;
    margin-left: 28px;
    font-weight: 500;
    font-size: 15px;
    transition: color 0.3s;
}

.header nav a:hover {
    color: #0b1a33;
    font-weight: 600;
}

.hero {
    background: #f0f4f9;
    color: #1e2a3a;
    padding: 70px 0 60px;
    text-align: center;
}

.hero h1 {
    color: #0b1a33;
}

.hero p {
    color: #3d5269;
}

.tags {
    display: flex;
    justify-content: center;
    gap: 20px;
    flex-wrap: wrap;
}

.tags span {
    background: rgba(255,255,255,0.12);
    padding: 8px 20px;
    border-radius: 30px;
    font-size: 14px;
    border: 1px solid rgba(255,255,255,0.08);
}

.principles {
    padding: 60px 0;
    background: #fff;
}

.principles h2 {
    text-align: center;
    font-size: 28px;
    margin-bottom: 40px;
    color: #0b1a33;
}

.grid-4 {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.card {
    background: #f8faff;
    padding: 28px 20px;
    border-radius: 16px;
    text-align: center;
    border: 1px solid #e8edf5;
    transition: transform 0.25s, box-shadow 0.25s;
}

.card:hover {
    transform: translateY(-6px);
    box-shadow: 0 12px 30px rgba(11, 26, 51, 0.08);
}

.card .icon {
    font-size: 36px;
    margin-bottom: 12px;
}

.card h3 {
    font-size: 17px;
    margin-bottom: 8px;
    color: #0b1a33;
}

.card p {
    font-size: 14px;
    color: #5a6e85;
    line-height: 1.5;
}

.products {
    padding: 60px 0;
    background: #f5f7fa;
}

.products h2 {
    text-align: center;
    font-size: 28px;
    margin-bottom: 36px;
    color: #0b1a33;
}

.grid-3 {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}

.product-card {
    background: #fff;
    padding: 24px 20px;
    border-radius: 14px;
    border: 1px solid #e2e8f0;
    transition: box-shadow 0.25s;
}

.product-card:hover {
    box-shadow: 0 8px 24px rgba(0,0,0,0.06);
}

.product-card h3 {
    font-size: 17px;
    margin-bottom: 12px;
    color: #0b1a33;
}

.product-card ul {
    list-style: none;
    padding: 0;
}

.product-card ul li {
    padding: 4px 0;
    font-size: 14px;
    color: #3d5269;
    border-bottom: 1px dashed #ecf0f5;
}

.product-card ul li:last-child {
    border-bottom: none;
}

.notice {
    text-align: center;
    font-size: 13px;
    color: #7a8fa5;
    margin-top: 30px;
    background: #eef2f7;
    padding: 12px;
    border-radius: 10px;
}

.calculator {
    padding: 60px 0;
    background: #fff;
}

.calculator h2 {
    text-align: center;
    font-size: 26px;
    margin-bottom: 32px;
    color: #0b1a33;
}

.calc-wrap {
    max-width: 680px;
    margin: 0 auto;
    background: #f8faff;
    padding: 36px 40px;
    border-radius: 20px;
    border: 1px solid #e2e8f0;
}

.calc-row {
    margin-bottom: 28px;
}

.calc-row label {
    display: block;
    font-weight: 600;
    font-size: 15px;
    margin-bottom: 10px;
    color: #1e2a3a;
}

.calc-row input[type="range"] {
    width: 100%;
    height: 6px;
    background: #d0d9e8;
    border-radius: 10px;
    outline: none;
}

.amount-display {
    text-align: center;
    font-size: 28px;
    font-weight: 700;
    color: #0b1a33;
    margin-top: 10px;
}

.period-btns {
    display: flex;
    gap: 10px;
    flex-wrap: wrap;
}

.period-btns button {
    flex: 1;
    min-width: 60px;
    padding: 10px 0;
    border: 2px solid #d0d9e8;
    background: #fff;
    border-radius: 30px;
    font-weight: 600;
    font-size: 14px;
    color: #3d5269;
    cursor: pointer;
    transition: all 0.2s;
}

.period-btns button:hover {
    border-color: #0b1a33;
    color: #0b1a33;
}

.period-btns button.active {
    background: #0b1a33;
    border-color: #0b1a33;
    color: #fff;
}

.calc-result {
    background: #fff;
    padding: 20px 24px;
    border-radius: 14px;
    border: 1px solid #e2e8f0;
    margin-top: 10px;
}

.calc-result p {
    font-size: 15px;
    color: #3d5269;
}

.calc-result p:first-child {
    font-size: 18px;
}

.calc-result strong {
    font-size: 24px;
    color: #0b1a33;
}

.calc-result span {
    font-weight: 600;
    color: #1e2a3a;
}

.apply-form {
    padding: 60px 0;
    background: #f5f7fa;
}

.apply-form h2 {
    text-align: center;
    font-size: 26px;
    margin-bottom: 32px;
    color: #0b1a33;
}

.apply-form form {
    max-width: 540px;
    margin: 0 auto;
    background: #fff;
    padding: 36px 40px;
    border-radius: 20px;
    border: 1px solid #e2e8f0;
}

.form-group {
    margin-bottom: 18px;
}

.form-group label {
    display: block;
    font-weight: 600;
    font-size: 14px;
    margin-bottom: 6px;
    color: #1e2a3a;
}

.form-group input,
.form-group select {
    width: 100%;
    padding: 12px 16px;
    border: 1px solid #d0d9e8;
    border-radius: 10px;
    font-size: 15px;
    background: #fafcff;
    transition: border 0.25s;
}

.form-group input:focus,
.form-group select:focus {
    border-color: #0b1a33;
    outline: none;
    background: #fff;
}

.btn-submit {
    width: 100%;
    padding: 14px 0;
    background: #0b1a33;
    color: #fff;
    border: none;
    border-radius: 12px;
    font-size: 18px;
    font-weight: 700;
    cursor: pointer;
    transition: background 0.3s;
}

.btn-submit:hover {
    background: #1a3a6b;
}

.status-check {
    padding: 60px 0;
    background: #fff;
}

.status-check h2 {
    text-align: center;
    font-size: 26px;
    margin-bottom: 28px;
    color: #0b1a33;
}

.status-form {
    display: flex;
    justify-content: center;
    gap: 12px;
    max-width: 480px;
    margin: 0 auto;
}

.status-form input {
    flex: 1;
    padding: 12px 18px;
    border: 1px solid #d0d9e8;
    border-radius: 10px;
    font-size: 15px;
}

.status-form button {
    padding: 12px 28px;
    background: #0b1a33;
    color: #fff;
    border: none;
    border-radius: 10px;
    font-weight: 600;
    cursor: pointer;
    font-size: 15px;
    transition: background 0.3s;
}

.status-form button:hover {
    background: #1a3a6b;
}

#statusResult {
    max-width: 480px;
    margin: 20px auto 0;
    text-align: center;
    font-size: 15px;
    color: #3d5269;
}

.footer {
    background: #0b1a33;
    color: #8aa0b9;
    padding: 32px 0;
    text-align: center;
    font-size: 14px;
}

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

.footer p:last-child {
    margin-top: 10px;
    color: #5a7490;
    font-size: 13px;
}

@media (max-width: 768px) {
    .grid-4 {
        grid-template-columns: repeat(2, 1fr);
    }
    .grid-3 {
        grid-template-columns: 1fr 1fr;
    }
    .hero h1 {
        font-size: 26px;
    }
    .hero p {
        font-size: 16px;
    }
    .calc-wrap {
        padding: 24px 18px;
    }
    .period-btns button {
        font-size: 12px;
        padding: 8px 0;
        min-width: 48px;
    }
    .apply-form form {
        padding: 24px 18px;
    }
    .calc-result strong {
        font-size: 20px;
    }
    .header nav a {
        margin-left: 14px;
        font-size: 13px;
    }
}

@media (max-width: 480px) {
    .grid-4 {
        grid-template-columns: 1fr 1fr;
    }
    .grid-3 {
        grid-template-columns: 1fr;
    }
    .tags {
        flex-direction: column;
        align-items: center;
    }
    .hero h1 {
        font-size: 22px;
    }
    .amount-display {
        font-size: 22px;
    }
    .period-btns {
        gap: 6px;
    }
    .period-btns button {
        font-size: 11px;
        padding: 6px 0;
        min-width: 40px;
    }
    .status-form {
        flex-direction: column;
    }
    .logo {
        font-size: 18px;
    }
}

/* ====== 텍스트 그라데이션 ====== */
.gradient-text {
    background: linear-gradient(135deg, #0b1a33, #1a3a6b, #4a90d9);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    font-weight: 700;
}

.gradient-text-gold {
    background: linear-gradient(135deg, #ffd700, #f7971e);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    font-weight: 700;
}

.gradient-text-blue {
    background: linear-gradient(135deg, #1a3a6b, #4a90d9, #6fc3df);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    font-weight: 700;
}