/* =========================================================
   보장설계연구소 — Editorial / Refined Insurance Aesthetic
   - Warm cream + deep navy + accent gold
   - Fraunces (display, serif) + Pretendard (body, sans)
   ========================================================= */

:root{
  --cream:#F5EFE6;
  --cream-2:#EDE5D6;
  --paper:#FAF6EF;
  --ink:#15202B;
  --ink-2:#2A3744;
  --muted:#6B7A89;
  --line:#D9CFC0;
  --line-2:#E5DDD0;
  --gold:#B8894A;
  --gold-soft:#D9B27A;
  --accent:#1F3D5C;
  --accent-2:#2A5278;
  --danger:#C2453F;
  --shadow:0 30px 60px -30px rgba(21,32,43,.25);
  --shadow-sm:0 10px 25px -15px rgba(21,32,43,.18);
  --shadow-card:0 4px 12px -4px rgba(21,32,43,.08), 0 20px 40px -20px rgba(21,32,43,.12);
  --radius:14px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family:'Pretendard','Apple SD Gothic Neo',sans-serif;
  background:var(--cream);
  color:var(--ink);
  -webkit-font-smoothing:antialiased;
  font-feature-settings:"ss01","case";
  line-height:1.55;
}
img,svg{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
em{font-style:italic;font-family:'Fraunces',serif;font-weight:500}

/* ---------- NAV ---------- */
.nav{
  position:sticky;top:0;z-index:50;
  background:rgba(245,239,230,.85);
  backdrop-filter:blur(14px);
  border-bottom:1px solid var(--line-2);
}
.nav__inner{
  max-width:1240px;margin:0 auto;
  padding:18px 32px;
  display:flex;align-items:center;justify-content:space-between;gap:32px;
}
.logo{display:flex;align-items:center;gap:10px;font-family:'Fraunces',serif;font-weight:600;font-size:20px}
.logo__mark{
  display:inline-grid;place-items:center;
  width:30px;height:30px;border-radius:50%;
  background:var(--ink);color:var(--cream);
  font-size:18px;
}
.nav__links{display:flex;gap:32px;font-size:14px;color:var(--ink-2)}
.nav__links a{transition:color .2s}
.nav__links a:hover{color:var(--gold)}
.nav__cta{
  background:var(--ink);color:var(--cream);
  padding:10px 18px;border-radius:999px;
  font-size:13px;font-weight:500;
  transition:transform .2s, background .2s;
}
.nav__cta:hover{background:var(--accent);transform:translateY(-1px)}
@media(max-width:780px){.nav__links{display:none}}

/* ---------- HERO ---------- */
.hero{
  position:relative;
  padding:100px 32px 100px;
  overflow:hidden;
}
.hero__bg{position:absolute;inset:0;pointer-events:none}
.grain{
  position:absolute;inset:0;opacity:.5;mix-blend-mode:multiply;
  background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='200' height='200'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2'/><feColorMatrix values='0 0 0 0 0  0 0 0 0 0  0 0 0 0 0  0 0 0 .4 0'/></filter><rect width='100%' height='100%' filter='url(%23n)'/></svg>");
}
.orb{
  position:absolute;border-radius:50%;
  filter:blur(80px);opacity:.55;
}
.orb--1{
  width:520px;height:520px;
  top:-180px;right:-100px;
  background:radial-gradient(circle,#E8C892 0%,#D9B27A 40%,transparent 70%);
}
.orb--2{
  width:420px;height:420px;
  bottom:-150px;left:-80px;
  background:radial-gradient(circle,#A6BACE 0%,#7794AE 40%,transparent 70%);
  opacity:.45;
}
.hero__inner{
  position:relative;
  max-width:1100px;margin:0 auto;
  text-align:center;
}
.hero__eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  padding:8px 16px;border-radius:999px;
  background:rgba(21,32,43,.06);
  border:1px solid var(--line);
  font-size:12px;letter-spacing:.04em;color:var(--ink-2);
  margin-bottom:32px;
}
.dot{width:6px;height:6px;border-radius:50%;background:var(--gold);animation:pulse 2s infinite}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.4}}

.hero__title{
  font-family:'Fraunces',serif;
  font-weight:400;
  font-size:clamp(40px,7vw,84px);
  line-height:1.05;
  letter-spacing:-0.02em;
  margin:0 0 28px;
  color:var(--ink);
}
.hero__title em{
  color:var(--gold);
  font-weight:500;
}
.hero__sub{
  font-size:17px;color:var(--ink-2);
  max-width:620px;margin:0 auto 44px;
  line-height:1.7;
}
.hero__sub strong{color:var(--ink);font-weight:600}

/* button */
.btn{
  display:inline-flex;align-items:center;gap:10px;
  padding:16px 28px;border-radius:999px;
  font-size:15px;font-weight:500;cursor:pointer;
  border:1px solid transparent;
  transition:all .25s ease;
  font-family:inherit;
}
.btn--primary{
  background:var(--ink);color:var(--cream);
}
.btn--primary:hover{background:var(--accent);transform:translateY(-2px);box-shadow:var(--shadow-sm)}
.btn--ghost{
  background:transparent;color:var(--ink);
  border-color:var(--ink);
}
.btn--ghost:hover{background:var(--ink);color:var(--cream)}
.btn--full{width:100%;justify-content:center;padding:18px;font-size:16px;margin-top:8px}
.btn--hero{padding:18px 32px;font-size:16px}

.hero__stats{
  display:grid;grid-template-columns:repeat(3,1fr);
  max-width:680px;margin:60px auto 0;
  border-top:1px solid var(--line);
  padding-top:36px;
}
.stat{text-align:center;border-right:1px solid var(--line)}
.stat:last-child{border-right:none}
.stat__num{
  display:block;
  font-family:'Fraunces',serif;font-weight:500;
  font-size:38px;color:var(--ink);
  letter-spacing:-0.01em;
}
.stat__num i{font-style:normal;font-size:18px;color:var(--muted);margin-left:4px}
.stat__label{font-size:13px;color:var(--muted);margin-top:4px;display:block}
@media(max-width:640px){
  .hero{padding:80px 24px 80px}
  .hero__stats{grid-template-columns:1fr;gap:24px;padding-top:24px}
  .stat{border-right:none;border-bottom:1px solid var(--line);padding-bottom:24px}
  .stat:last-child{border-bottom:none;padding-bottom:0}
}

/* ---------- SECTION HEAD ---------- */
.section__head{max-width:1240px;margin:0 auto;padding:0 32px 60px}
.section__head--center{text-align:center}
.section__kicker{
  display:inline-block;
  font-size:12px;letter-spacing:.12em;
  color:var(--gold);text-transform:uppercase;
  margin-bottom:18px;
  font-weight:600;
}
.section__title{
  font-family:'Fraunces',serif;font-weight:400;
  font-size:clamp(32px,5vw,52px);
  line-height:1.1;letter-spacing:-0.015em;
  margin:0;color:var(--ink);
}
.section__title em{color:var(--gold);font-weight:500}
.section__lead{
  font-size:16px;color:var(--ink-2);
  max-width:580px;margin:24px auto 0;
  line-height:1.7;
}

/* =========================================================
   APPLY — Main form (left, 2/3) + Quick cert (right, 1/3)
   ========================================================= */
.apply{
  padding:80px 0 120px;
  background:var(--paper);
  border-top:1px solid var(--line-2);
  border-bottom:1px solid var(--line-2);
}
.apply__wrap{
  max-width:1240px;margin:0 auto;padding:0 32px;
  display:grid;grid-template-columns:1.7fr 1fr;gap:32px;
  align-items:start;
}
@media(max-width:980px){
  .apply__wrap{grid-template-columns:1fr}
}

/* MAIN form card */
.form-card{
  background:#fff;
  border:1px solid var(--line-2);
  border-radius:18px;
  padding:48px;
  box-shadow:var(--shadow-card);
}
@media(max-width:640px){.form-card{padding:32px 24px}}

.form-card__head{
  margin-bottom:36px;
  padding-bottom:28px;
  border-bottom:1px solid var(--line-2);
  position:relative;
}
.form-card__badge{
  display:inline-block;
  font-size:11px;font-weight:700;letter-spacing:.12em;
  background:var(--ink);color:var(--cream);
  padding:4px 10px;border-radius:4px;
  margin-bottom:16px;
}
.form-card__badge--alt{
  background:var(--gold);
}
.form-card__head h3{
  font-family:'Fraunces',serif;font-weight:500;
  font-size:30px;margin:0 0 8px;letter-spacing:-0.01em;
}
.form-card__head p{color:var(--ink-2);font-size:14px;margin:0}

/* Form sections */
.form-section{margin-bottom:36px}
.form-section:last-of-type{margin-bottom:24px}
.form-section__title{
  display:flex;align-items:center;gap:12px;
  margin-bottom:20px;
  padding-bottom:12px;
  border-bottom:1px dashed var(--line-2);
}
.form-section__num{
  font-family:'Fraunces',serif;font-style:italic;
  font-size:14px;color:var(--gold);
  font-weight:500;
}
.form-section__title h4{
  font-family:'Fraunces',serif;font-weight:500;
  font-size:20px;margin:0;letter-spacing:-0.01em;
}

/* ---------- Form fields ---------- */
.field{margin-bottom:18px;display:block;position:relative}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field-row .field{margin-bottom:18px}
@media(max-width:520px){.field-row{grid-template-columns:1fr}}

.field label{
  display:block;
  font-size:13px;font-weight:500;color:var(--ink);
  margin-bottom:8px;
}
.req{color:var(--danger);margin-left:2px;font-weight:600}
.hint{color:var(--muted);font-weight:400;font-size:12px;margin-left:6px}
.hint--right{
  position:absolute;right:4px;bottom:-22px;
  font-size:11px;
}

.field input[type="text"],
.field input[type="tel"],
.field input[type="email"],
.field input[type="date"],
.field select,
.field textarea{
  width:100%;
  padding:14px 16px;
  border:1px solid var(--line);
  border-radius:10px;
  background:#fff;
  font-family:inherit;font-size:15px;color:var(--ink);
  transition:border-color .2s, box-shadow .2s;
}
.field input:focus,
.field select:focus,
.field textarea:focus{
  outline:none;
  border-color:var(--ink);
  box-shadow:0 0 0 3px rgba(21,32,43,.08);
}
.field input.is-error,
.field select.is-error,
.field textarea.is-error{
  border-color:var(--danger);
  box-shadow:0 0 0 3px rgba(194,69,63,.1);
}
.field textarea{resize:vertical;min-height:100px;font-family:inherit;line-height:1.6}
.field select{
  appearance:none;-webkit-appearance:none;
  background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'><path d='M1 1l5 5 5-5' stroke='%2315202B' stroke-width='1.5' fill='none' stroke-linecap='round'/></svg>");
  background-repeat:no-repeat;
  background-position:right 16px center;
  padding-right:42px;cursor:pointer;
}

/* segmented */
.seg{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.seg--3{grid-template-columns:repeat(3,1fr)}
.seg label{position:relative;cursor:pointer}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg span{
  display:block;text-align:center;
  padding:13px 12px;
  border:1px solid var(--line);
  border-radius:10px;
  background:#fff;font-size:14px;color:var(--ink-2);
  transition:all .2s;
}
.seg label:hover span{border-color:var(--ink-2)}
.seg input:checked + span{
  background:var(--ink);color:var(--cream);
  border-color:var(--ink);font-weight:500;
}
@media(max-width:520px){.seg--3{grid-template-columns:1fr}}

/* chip grid */
.chip-grid{display:flex;flex-wrap:wrap;gap:8px}
.chip{position:relative;cursor:pointer}
.chip input{position:absolute;opacity:0;pointer-events:none}
.chip span{
  display:block;
  padding:10px 16px;
  border:1px solid var(--line);
  border-radius:999px;
  background:#fff;font-size:13px;color:var(--ink-2);
  transition:all .2s;
}
.chip:hover span{border-color:var(--ink-2)}
.chip input:checked + span{
  background:var(--ink);color:var(--cream);
  border-color:var(--ink);font-weight:500;
}

/* agreements */
.agree-box{
  background:var(--paper);
  border:1px solid var(--line-2);
  border-radius:12px;
  padding:18px 20px;margin:16px 0 24px;
}
.agree-box .agree + .agree{margin-top:10px}
.agree{
  display:flex;align-items:center;gap:10px;
  font-size:13px;color:var(--ink-2);
  cursor:pointer;
}
.agree input[type="checkbox"]{
  width:18px;height:18px;
  accent-color:var(--ink);
  cursor:pointer;flex-shrink:0;
}
.agree__view{
  margin-left:auto;font-size:12px;color:var(--muted);
  text-decoration:underline;
}
.agree__view:hover{color:var(--ink)}

.form-note{
  text-align:center;font-size:12px;color:var(--muted);
  margin:18px 0 0;line-height:1.6;
}

/* =========================================================
   QUICK CERT CARD (sidebar)
   ========================================================= */
.quick-card{
  background:var(--ink);
  color:var(--cream);
  border-radius:18px;
  overflow:hidden;
  position:sticky;top:96px;
  box-shadow:var(--shadow-card);
}
@media(max-width:980px){.quick-card{position:static}}

.quick-card__head{
  padding:36px 32px 28px;
  border-bottom:1px solid rgba(255,255,255,.1);
  background:linear-gradient(180deg, rgba(184,137,74,.15), transparent);
}
.quick-card__head h3{
  font-family:'Fraunces',serif;font-weight:500;
  font-size:26px;margin:0 0 12px;line-height:1.2;letter-spacing:-0.01em;
}
.quick-card__head p{
  font-size:13px;color:var(--cream-2);
  opacity:.8;margin:0;line-height:1.6;
}

.quick-card__body{padding:28px 32px 32px}
.quick-card__label{
  font-size:11px;font-weight:600;letter-spacing:.12em;
  color:var(--gold-soft);text-transform:uppercase;
  margin:0 0 16px;
}

.cert-list{display:flex;flex-direction:column;gap:8px}

.cert-btn{
  display:flex;align-items:center;gap:12px;
  width:100%;
  padding:14px 16px;
  background:rgba(255,255,255,.06);
  border:1px solid rgba(255,255,255,.1);
  border-radius:12px;
  color:var(--cream);
  font-family:inherit;font-size:14px;font-weight:500;
  text-align:left;cursor:pointer;
  transition:all .2s;
}
.cert-btn:hover{
  background:rgba(255,255,255,.12);
  border-color:rgba(255,255,255,.2);
  transform:translateX(2px);
}
.cert-btn:active{transform:translateX(0) scale(.99)}

.cert__logo{
  width:34px;height:34px;border-radius:8px;
  display:grid;place-items:center;
  font-weight:700;font-size:15px;color:#fff;
  flex-shrink:0;
}
.cert__logo--kakao{background:#FEE500;color:#000}
.cert__logo--naver{background:#03C75A}
.cert__logo--toss{background:#0064FF}
.cert__logo--pass{background:#E60012}
.cert__logo--payco{background:#FF1E1E}
.cert__logo--kb{background:#FFB800;color:#000}

.cert__name{flex:1}
.cert__arrow{
  font-size:18px;color:var(--gold-soft);
  transition:transform .2s;
}
.cert-btn:hover .cert__arrow{transform:translateX(3px)}

.quick-card__note{
  font-size:11px;color:var(--cream-2);
  opacity:.55;margin:20px 0 0;line-height:1.7;
}

/* ---------- WHY ---------- */
.why{padding:120px 0;background:var(--cream)}
.why__grid{
  max-width:1240px;margin:0 auto;
  padding:0 32px;
  display:grid;grid-template-columns:repeat(4,1fr);gap:0;
  border:1px solid var(--line-2);
  border-radius:var(--radius);
  background:#fff;
  overflow:hidden;
}
.why__card{
  padding:40px 28px;
  border-right:1px solid var(--line-2);
  transition:background .25s;
  position:relative;
}
.why__card:last-child{border-right:none}
.why__card:hover{background:var(--paper)}
.why__card--accent{background:var(--ink);color:var(--cream)}
.why__card--accent:hover{background:var(--accent)}
.why__card--accent .why__num{color:var(--gold-soft)}
.why__num{
  font-family:'Fraunces',serif;
  font-size:14px;color:var(--gold);
  margin-bottom:24px;
  letter-spacing:.05em;
}
.why__card h3{
  font-family:'Fraunces',serif;font-weight:500;
  font-size:22px;margin:0 0 12px;
  letter-spacing:-0.01em;
}
.why__card p{font-size:14px;color:var(--ink-2);line-height:1.65;margin:0}
.why__card--accent p{color:var(--cream-2)}
@media(max-width:980px){
  .why__grid{grid-template-columns:repeat(2,1fr)}
  .why__card{border-right:1px solid var(--line-2);border-bottom:1px solid var(--line-2)}
  .why__card:nth-child(2n){border-right:none}
  .why__card:nth-last-child(-n+2){border-bottom:none}
}
@media(max-width:580px){
  .why__grid{grid-template-columns:1fr}
  .why__card{border-right:none;border-bottom:1px solid var(--line-2)}
  .why__card:last-child{border-bottom:none}
}

/* ---------- PROCESS ---------- */
.process{padding:120px 0;background:var(--paper);border-top:1px solid var(--line-2);border-bottom:1px solid var(--line-2)}
.process__list{
  max-width:1240px;margin:0 auto;padding:0 32px;
  list-style:none;
  display:grid;grid-template-columns:repeat(4,1fr);gap:24px;
  counter-reset:proc;
}
.process__item{
  background:#fff;
  border:1px solid var(--line-2);
  border-radius:var(--radius);
  padding:32px 26px;
  position:relative;
  transition:transform .3s, box-shadow .3s;
}
.process__item:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.process__step{
  display:inline-block;
  font-family:'Fraunces',serif;font-style:italic;
  font-size:13px;color:var(--gold);
  margin-bottom:20px;
}
.process__item h3{
  font-family:'Fraunces',serif;font-weight:500;
  font-size:22px;margin:0 0 10px;
}
.process__item p{font-size:14px;color:var(--ink-2);line-height:1.65;margin:0}
@media(max-width:980px){.process__list{grid-template-columns:repeat(2,1fr)}}
@media(max-width:580px){.process__list{grid-template-columns:1fr}}

/* ---------- COVERAGE ---------- */
.coverage{padding:120px 0;background:var(--cream)}
.coverage__grid{
  max-width:1240px;margin:0 auto;padding:0 32px;
  display:grid;grid-template-columns:repeat(3,1fr);gap:1px;
  background:var(--line-2);
  border:1px solid var(--line-2);
  border-radius:var(--radius);
  overflow:hidden;
}
.cov{
  background:#fff;
  padding:36px 30px;
  display:flex;flex-direction:column;gap:8px;
  transition:background .25s;
}
.cov:hover{background:var(--paper)}
.cov__icon{
  font-size:22px;color:var(--gold);
  margin-bottom:8px;
}
.cov h4{font-family:'Fraunces',serif;font-weight:500;font-size:20px;margin:0}
.cov p{font-size:13px;color:var(--muted);margin:0}
@media(max-width:780px){.coverage__grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:480px){.coverage__grid{grid-template-columns:1fr}}

/* ---------- FINAL CTA ---------- */
.final-cta{
  padding:100px 32px;
  background:var(--ink);color:var(--cream);
  text-align:center;
  position:relative;overflow:hidden;
}
.final-cta::before{
  content:"";position:absolute;
  width:600px;height:600px;border-radius:50%;
  top:-300px;left:50%;transform:translateX(-50%);
  background:radial-gradient(circle,var(--gold) 0%,transparent 70%);
  opacity:.15;filter:blur(60px);
}
.final-cta__inner{position:relative;max-width:700px;margin:0 auto}
.final-cta h2{
  font-family:'Fraunces',serif;font-weight:400;
  font-size:clamp(28px,4.5vw,46px);
  line-height:1.2;margin:0 0 36px;letter-spacing:-0.015em;
}
.final-cta h2 em{color:var(--gold-soft);font-weight:500}
.final-cta .btn--primary{
  background:var(--cream);color:var(--ink);
}
.final-cta .btn--primary:hover{
  background:var(--gold);color:var(--ink);
}

/* ---------- FOOTER ---------- */
.footer{
  background:#0D161E;color:var(--cream-2);
  padding:80px 32px 40px;
}
.footer__inner{max-width:1240px;margin:0 auto}
.footer__brand{
  display:flex;align-items:center;gap:10px;
  font-family:'Fraunces',serif;font-weight:600;font-size:22px;color:var(--cream);
  margin-bottom:48px;
}
.footer__brand .logo__mark{background:var(--gold);color:var(--ink)}
.footer__cols{
  display:grid;grid-template-columns:repeat(3,1fr);gap:32px;
  padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.08);
}
.footer__cols h5{
  font-family:'Fraunces',serif;font-weight:500;font-size:16px;
  color:var(--cream);margin:0 0 16px;
}
.footer__cols a{
  display:block;font-size:13px;color:var(--cream-2);
  opacity:.6;margin-bottom:8px;transition:opacity .2s;
}
.footer__cols a:hover{opacity:1}
.footer__copy{
  font-size:12px;color:var(--cream-2);opacity:.4;
  margin:32px 0 0;line-height:1.7;
}
@media(max-width:640px){.footer__cols{grid-template-columns:1fr;gap:24px}}

/* ---------- TOAST ---------- */
.toast{
  position:fixed;left:50%;bottom:32px;transform:translateX(-50%) translateY(24px);
  background:var(--ink);color:var(--cream);
  padding:14px 22px;border-radius:999px;
  font-size:14px;
  box-shadow:var(--shadow);
  opacity:0;pointer-events:none;
  transition:all .3s;
  z-index:100;
  max-width:90vw;
}
.toast--show{opacity:1;transform:translateX(-50%) translateY(0)}
.toast--error{background:var(--danger)}

/* =========================================================
   MODAL — 인증 진행 / 보장분석 리포트
   ========================================================= */
.modal{
  position:fixed;inset:0;z-index:200;
  display:none;align-items:center;justify-content:center;
  padding:24px;
}
.modal.is-open{display:flex;animation:modalFade .25s ease}
@keyframes modalFade{from{opacity:0}to{opacity:1}}

.modal__backdrop{
  position:absolute;inset:0;
  background:rgba(13,22,30,.7);
  backdrop-filter:blur(6px);
  cursor:pointer;
}
.modal__panel{
  position:relative;
  background:var(--paper);
  border-radius:20px;
  width:100%;max-width:900px;max-height:90vh;
  overflow-y:auto;
  box-shadow:0 50px 100px -30px rgba(0,0,0,.5);
  animation:modalPop .35s cubic-bezier(.2,.9,.3,1.2);
}
.modal__panel--small{max-width:440px}
@keyframes modalPop{
  from{opacity:0;transform:translateY(20px) scale(.97)}
  to{opacity:1;transform:none}
}
.modal__panel::-webkit-scrollbar{width:8px}
.modal__panel::-webkit-scrollbar-track{background:transparent}
.modal__panel::-webkit-scrollbar-thumb{background:var(--line);border-radius:4px}

.modal__close{
  position:absolute;top:20px;right:20px;
  width:36px;height:36px;border-radius:50%;
  background:rgba(21,32,43,.06);
  border:none;cursor:pointer;
  font-size:24px;line-height:1;color:var(--ink);
  display:grid;place-items:center;
  z-index:10;transition:all .2s;
}
.modal__close:hover{background:var(--ink);color:var(--cream);transform:rotate(90deg)}

/* ---------- 인증 진행 모달 ---------- */
.cert-loading{padding:48px 36px;text-align:center}
.cert-loading__icon{
  position:relative;
  width:80px;height:80px;
  margin:0 auto 24px;
}
.cert-loading__ring{
  position:absolute;inset:0;
  border:3px solid var(--line);
  border-top-color:var(--ink);
  border-radius:50%;
  animation:spin 1.2s linear infinite;
}
.cert-loading__ring--2{
  inset:8px;
  border-color:transparent;
  border-bottom-color:var(--gold);
  animation:spin 1.6s linear infinite reverse;
}
@keyframes spin{to{transform:rotate(360deg)}}

.cert-loading h3{
  font-family:'Fraunces',serif;font-weight:500;
  font-size:24px;margin:0 0 10px;letter-spacing:-0.01em;
}
.cert-loading p{font-size:14px;color:var(--ink-2);margin:0 0 28px;line-height:1.6}

.cert-loading__steps{
  text-align:left;
  background:#fff;
  border:1px solid var(--line-2);
  border-radius:12px;
  padding:18px 22px;
}
.cert-loading__step{
  display:flex;align-items:center;gap:12px;
  padding:8px 0;font-size:13px;color:var(--muted);
  transition:color .3s;
}
.cert-loading__dot{
  width:8px;height:8px;border-radius:50%;
  background:var(--line);
  flex-shrink:0;
  transition:all .3s;
}
.cert-loading__step.is-active{color:var(--ink);font-weight:500}
.cert-loading__step.is-active .cert-loading__dot{
  background:var(--gold);
  box-shadow:0 0 0 4px rgba(184,137,74,.15);
  animation:dotPulse 1.2s infinite;
}
.cert-loading__step.is-done{color:var(--ink-2)}
.cert-loading__step.is-done .cert-loading__dot{
  background:var(--ink);
  position:relative;
}
.cert-loading__step.is-done .cert-loading__dot::after{
  content:"";position:absolute;
  left:2px;top:0px;
  width:3px;height:6px;
  border-right:1.5px solid #fff;border-bottom:1.5px solid #fff;
  transform:rotate(45deg);
}
@keyframes dotPulse{0%,100%{transform:scale(1)}50%{transform:scale(1.3)}}

/* =========================================================
   REPORT — 보장분석 리포트
   ========================================================= */
.report__head{
  padding:48px 48px 32px;
  text-align:center;
  border-bottom:1px solid var(--line-2);
  background:linear-gradient(180deg,#fff,var(--paper));
}
.report__badge{
  display:inline-block;
  font-size:11px;font-weight:700;letter-spacing:.14em;
  background:var(--ink);color:var(--cream);
  padding:5px 12px;border-radius:4px;
  margin-bottom:16px;
}
.report__head h2{
  font-family:'Fraunces',serif;font-weight:400;
  font-size:clamp(26px,3.8vw,38px);
  margin:0 0 14px;line-height:1.2;letter-spacing:-0.015em;
}
.report__head h2 em{color:var(--gold);font-weight:500}
.report__sub{font-size:13px;color:var(--muted);margin:0}
.report__sub strong{color:var(--ink);font-weight:600}

/* score */
.report__score{
  padding:36px 48px;
  display:grid;grid-template-columns:200px 1fr;gap:36px;
  align-items:center;
  border-bottom:1px solid var(--line-2);
  background:#fff;
}
@media(max-width:640px){
  .report__score{grid-template-columns:1fr;text-align:center;padding:28px 24px}
}

.score-circle{
  position:relative;width:200px;height:200px;
  margin:0 auto;
}
.score-circle svg{width:100%;height:100%}
.score-circle__bg{fill:none;stroke:var(--line);stroke-width:8}
.score-circle__fill{
  fill:none;stroke:var(--gold);stroke-width:8;
  stroke-linecap:round;
  transition:stroke-dashoffset 1.6s cubic-bezier(.2,.7,.3,1);
}
.score-circle__text{
  position:absolute;inset:0;
  display:flex;flex-direction:column;align-items:center;justify-content:center;
}
.score-circle__num{
  font-family:'Fraunces',serif;font-weight:500;
  font-size:56px;color:var(--ink);
  line-height:1;letter-spacing:-0.02em;
}
.score-circle__unit{font-size:13px;color:var(--muted);margin-top:4px}

.score-detail h3{
  font-family:'Fraunces',serif;font-weight:500;
  font-size:22px;margin:0 0 8px;
}
.score-detail h3 em{
  display:inline-block;
  background:var(--gold);color:#fff;
  font-style:normal;font-family:inherit;
  font-size:14px;padding:2px 10px;border-radius:4px;
  margin-left:8px;vertical-align:middle;
}
.score-detail p{font-size:14px;color:var(--ink-2);line-height:1.65;margin:0 0 18px}
.score-detail strong{color:var(--ink);font-weight:600}

.score-bars{display:grid;grid-template-columns:1fr 1fr;gap:8px 20px}
@media(max-width:640px){.score-bars{grid-template-columns:1fr}}
.score-bar{display:grid;grid-template-columns:80px 1fr 30px;gap:10px;align-items:center;font-size:12px}
.score-bar__label{color:var(--muted)}
.score-bar__track{
  height:6px;background:var(--line);border-radius:3px;overflow:hidden;
}
.score-bar__fill{
  height:100%;width:0;background:var(--ink);
  border-radius:3px;
  transition:width 1.2s cubic-bezier(.2,.7,.3,1);
}
.score-bar__fill--warn{background:var(--gold)}
.score-bar__fill--danger{background:var(--danger)}
.score-bar__val{font-weight:600;color:var(--ink);text-align:right}

/* report sections */
.report__section{padding:36px 48px;border-bottom:1px solid var(--line-2)}
@media(max-width:640px){.report__section{padding:28px 24px}}
.report__section:last-of-type{border-bottom:none}
.report__section-head{margin-bottom:24px}
.report__kicker{
  display:inline-block;
  font-size:11px;font-weight:600;letter-spacing:.12em;
  color:var(--gold);text-transform:uppercase;
  margin-bottom:8px;
}
.report__section h3{
  font-family:'Fraunces',serif;font-weight:500;
  font-size:24px;margin:0;letter-spacing:-0.01em;
}
.report__section h3 em{color:var(--gold);font-weight:500}

/* policy table */
.policy-table{
  background:#fff;
  border:1px solid var(--line-2);
  border-radius:12px;
  overflow:hidden;
  font-size:13px;
}
.policy-table__head{
  display:grid;grid-template-columns:110px 1fr 80px 100px 90px;
  background:var(--paper);
  padding:14px 18px;
  font-size:11px;font-weight:600;letter-spacing:.06em;
  color:var(--muted);text-transform:uppercase;
  border-bottom:1px solid var(--line-2);
}
.policy-row{
  display:grid;grid-template-columns:110px 1fr 80px 100px 90px;
  padding:14px 18px;align-items:center;
  border-bottom:1px solid var(--line-2);
  transition:background .15s;
}
.policy-row:last-child{border-bottom:none}
.policy-row:hover{background:var(--paper)}
.policy-row__co{font-weight:600;color:var(--ink)}
.policy-row__name{color:var(--ink-2)}
.policy-row__date{color:var(--muted);font-size:12px}
.policy-row__price{font-weight:600;color:var(--ink);font-variant-numeric:tabular-nums}
.policy-row__tag{
  display:inline-block;text-align:center;
  padding:4px 10px;border-radius:999px;
  font-size:11px;font-weight:600;
  justify-self:start;
}
.tag--ok{background:rgba(31,61,92,.1);color:var(--accent)}
.tag--warn{background:rgba(184,137,74,.15);color:var(--gold)}
.tag--review{background:rgba(194,69,63,.1);color:var(--danger)}

@media(max-width:780px){
  .policy-table__head{display:none}
  .policy-row{
    grid-template-columns:1fr 1fr;gap:6px 14px;
    padding:16px 18px;
  }
  .policy-row__co{grid-column:1;font-size:13px}
  .policy-row__name{grid-column:1 / -1;font-size:14px;margin:2px 0 6px}
  .policy-row__date{grid-column:1;font-size:11px}
  .policy-row__price{grid-column:2;text-align:right}
  .policy-row__tag{grid-column:1 / -1;justify-self:start;margin-top:4px}
}

/* issues */
.issues{display:flex;flex-direction:column;gap:12px}
.issue{
  display:flex;gap:16px;
  background:#fff;
  border:1px solid var(--line-2);
  border-left:3px solid var(--muted);
  border-radius:12px;
  padding:20px 22px;
}
.issue--danger{border-left-color:var(--danger)}
.issue--warn{border-left-color:var(--gold)}
.issue--info{border-left-color:var(--accent-2)}
.issue__icon{
  width:28px;height:28px;border-radius:50%;
  display:grid;place-items:center;flex-shrink:0;
  font-weight:700;font-size:14px;color:#fff;font-family:'Fraunces',serif;
  margin-top:2px;
}
.issue--danger .issue__icon{background:var(--danger)}
.issue--warn  .issue__icon{background:var(--gold)}
.issue--info  .issue__icon{background:var(--accent-2)}
.issue__body{flex:1}
.issue__tag{
  display:inline-block;
  font-size:10px;font-weight:700;letter-spacing:.1em;
  padding:2px 8px;border-radius:3px;
  background:var(--paper);color:var(--ink-2);
  margin-bottom:8px;text-transform:uppercase;
}
.issue__body h4{
  font-family:'Fraunces',serif;font-weight:500;
  font-size:17px;margin:0 0 6px;letter-spacing:-0.005em;
}
.issue__body p{font-size:13px;color:var(--ink-2);line-height:1.65;margin:0}
.issue__body strong{color:var(--ink);font-weight:600}

/* before / after */
.ba-grid{
  display:grid;grid-template-columns:1fr 40px 1fr;gap:14px;
  align-items:stretch;
  margin-bottom:20px;
}
@media(max-width:640px){
  .ba-grid{grid-template-columns:1fr;gap:8px}
  .ba__arrow{transform:rotate(90deg);justify-self:center}
}
.ba{
  background:#fff;
  border:1px solid var(--line-2);
  border-radius:12px;
  padding:22px 24px;
}
.ba--after{
  background:var(--ink);color:var(--cream);
  border-color:var(--ink);
  position:relative;overflow:hidden;
}
.ba--after::before{
  content:"";position:absolute;
  top:-50px;right:-50px;
  width:160px;height:160px;border-radius:50%;
  background:radial-gradient(circle,var(--gold) 0%,transparent 70%);
  opacity:.25;
}
.ba h4{
  font-family:'Fraunces',serif;font-weight:500;
  font-size:18px;margin:0 0 14px;letter-spacing:-0.01em;
  position:relative;
}
.ba ul{list-style:none;padding:0;margin:0;font-size:13px;line-height:2;position:relative}
.ba li{color:var(--ink-2);display:flex;justify-content:space-between;gap:14px}
.ba--after li{color:var(--cream-2)}
.ba li strong{color:var(--ink);font-weight:600;font-variant-numeric:tabular-nums}
.ba--after li strong{color:var(--gold-soft)}
.ba__arrow{
  display:grid;place-items:center;
  font-size:28px;color:var(--gold);
  font-family:'Fraunces',serif;
}

.benefit-box{
  background:linear-gradient(135deg,#FFF8EE,var(--cream));
  border:1px solid var(--gold-soft);
  border-radius:12px;
  padding:18px 22px;
}
.benefit-box__row{
  display:flex;justify-content:space-between;align-items:center;
  padding:8px 0;font-size:14px;
  border-bottom:1px dashed var(--line-2);
}
.benefit-box__row:last-child{border-bottom:none}
.benefit-box__row > span{color:var(--ink-2)}
.benefit-box__amt{
  font-family:'Fraunces',serif;font-weight:600;
  font-size:18px;color:var(--danger);
  font-variant-numeric:tabular-nums;
}
.benefit-box__amt--up{color:var(--gold)}

/* report foot */
.report__foot{
  padding:32px 48px 36px;
  background:var(--paper);
  text-align:center;
  border-top:1px solid var(--line-2);
}
@media(max-width:640px){.report__foot{padding:24px}}
.report__foot p{font-size:12px;color:var(--muted);margin:0 0 20px;line-height:1.6}
.report__actions{display:flex;justify-content:center;gap:12px;flex-wrap:wrap}
@media(max-width:480px){
  .report__actions{flex-direction:column-reverse}
  .report__actions .btn{width:100%;justify-content:center}
}

/* body lock */
body.modal-open{overflow:hidden}