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

body {
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    line-height: 1.6;
    color: #333;
    background: #f8f9fa;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* Header */
.header {
    background: white !important;
    box-shadow: 0 2px 10px rgba(0,0,0,0.1);
    position: fixed;
    width: 100%;
    top: 0;
    z-index: 1000;
}

.header-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 15px 0;
    background: transparent;
}

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

.shinhan-logo {
    height: 40px;
    width: auto;
}

.company-separator {
    font-size: 1.5rem;
    color: #ddd;
    font-weight: 300;
}

.company-name {
    font-size: 1.8rem;
    font-weight: 700;
    color: #0066cc;
}

.header-contact {
    display: flex;
    gap: 20px;
    align-items: center;
}

.phone {
    font-size: 1.2rem;
    font-weight: 600;
    color: #0066cc;
}


/* 모바일 최적화 */
@media (max-width: 768px) {
    .header-content {
        flex-direction: column;
        gap: 10px;
        padding: 12px 0;
    }

    .logo-section {
        gap: 10px;
    }

    .shinhan-logo {
        height: 35px;
    }

    .company-name {
        font-size: 1.5rem;
    }

    .company-separator {
        font-size: 1.3rem;
    }

    .phone {
        font-size: 1.1rem;
    }
}

/* Hero Section */
.hero {
    background:  
    linear-gradient(rgba(0, 0, 0, 0.8), rgba(0, 0, 0, 0.5)), /* 검정 오버레이 */
        url('/images/bg.jpg') center/cover no-repeat;
    color: white !important;
    padding: 200px 0 100px;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(0, 0, 0, 0.3); 
    z-index: 1;
}

.hero-content {
    position: relative;
    z-index: 2;
}

.hero-icon {
    width: 120px;
    height: 120px;
    background: rgba(255, 255, 255, 0.2);
    border-radius: 50%;
    margin: 0 auto 30px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 60px;
    animation: float 6s ease-in-out infinite;
}

@keyframes float {
    0%, 100% { transform: translateY(0px); }
    50% { transform: translateY(-20px); }
}

.hero h1 {
    font-size: 2.5rem;
    margin-bottom: 10px;
    font-weight: 700;
    color: white !important;
}

.hero .company-name {
    font-size: 3.5rem;
    margin-bottom: 20px;
    font-weight: 800;
    color: white !important;
}

.hero .subtitle {
    font-size: 1.8rem;
    margin-bottom: 30px;
    opacity: 0.9;
}

.hero .description {
    font-size: 1.0rem;
    max-width: 800px;
    margin: 0 auto 40px;
    opacity: 0.9;
    line-height: 1.8;
}

/* Features Section */
.features {
    padding: 80px 0;
    background: white;
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: 40px;
}

.feature-card {
    padding: 40px;
    border-radius: 15px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
    background: white;
    text-align: center;
}

.feature-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.15);
}

.feature-icon {
    width: 80px;
    height: 80px;
    margin: 0 auto 20px;
    background: linear-gradient(135deg, #0066cc 0%, #004499 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 40px;
    color: white;
}

.feature-card h3 {
    font-size: 1.5rem;
    margin-bottom: 15px;
    color: #333;
}

.feature-card p {
    font-size: 1.1rem;
    color: #666;
    line-height: 1.8;
}

/* 반응형 디자인 */
@media (max-width: 768px) {
    .header-content {
        flex-direction: column;
        gap: 10px;
    }

    .hero {
        padding: 200px 0 60px;
    }

    .hero .company-name {
        font-size: 2.5rem;
    }

    .hero h1 {
        font-size: 2rem;
    }

    .hero .subtitle {
        font-size: 1.3rem;
    }

    .features-grid {
        grid-template-columns: 1fr;
    }
}

/* Services Section */
.services {
    padding: 80px 0;
    background: #f8f9fa;
}

.services h2 {
    text-align: center;
    font-size: 2.5rem;
    margin-bottom: 60px;
    color: #333;
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 30px;
    margin-bottom: 50px;
}

.service-item {
    background: white;
    padding: 30px 20px;
    border-radius: 10px;
    text-align: center;
    box-shadow: 0 5px 15px rgba(0, 0, 0, 0.08);
    transition: transform 0.3s ease;
}

.service-item:hover {
    transform: translateY(-5px);
}

.service-item h4 {
    font-size: 1.2rem;
    margin-bottom: 10px;
    color: #0066cc;
    font-weight: 600;
}

.service-item p {
    color: #666;
    font-size: 0.95rem;
}

.service-description {
    background: linear-gradient(135deg, #0066cc 0%, #004499 100%);
    color: white;
    padding: 40px;
    border-radius: 15px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
}

.service-description h3 {
    font-size: 1.8rem;
    margin-bottom: 20px;
    color: white;
}

.service-description p {
    font-size: 1.1rem;
    color: white;
    line-height: 1.8;
    margin-bottom: 15px;
}

/* Testimonials Section */
.testimonials {
    padding: 80px 0;
    background: white;
}

.testimonials h2 {
    text-align: center;
    font-size: 2.5rem;
    margin-bottom: 20px;
    color: #333;
}

.testimonials-subtitle {
    text-align: center;
    font-size: 1.2rem;
    color: #666;
    margin-bottom: 60px;
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 30px;
    margin-bottom: 60px;
}

.testimonial-card {
    background: white;
    padding: 30px;
    border-radius: 15px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
    border-left: 4px solid #0066cc;
}

.testimonial-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 15px 40px rgba(0, 0, 0, 0.15);
}

.testimonial-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 20px;
}

.customer-info {
    display: flex;
    align-items: center;
    gap: 15px;
}

.avatar {
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, #0066cc 0%, #004499 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    color: white;
}

.customer-info h4 {
    margin: 0;
    font-size: 1.1rem;
    color: #333;
}

.customer-info p {
    margin: 0;
    font-size: 0.9rem;
    color: #666;
}

.rating {
    font-size: 1.2rem;
}

.testimonial-content p {
    font-size: 1rem;
    line-height: 1.6;
    color: #444;
    margin-bottom: 20px;
    font-style: italic;
}

.loan-details {
    display: flex;
    gap: 15px;
    flex-wrap: wrap;
}

.loan-details span {
    background: #f0f7ff;
    color: #0066cc;
    padding: 5px 12px;
    border-radius: 20px;
    font-size: 0.85rem;
    font-weight: 600;
}

/* CTA Section */
.cta {
    padding: 80px 0;
    background: linear-gradient(135deg, #0066cc 0%, #004499 100%);
    color: white;
    text-align: center;
}

.cta h2 {
    font-size: 2.5rem;
    margin-bottom: 20px;
}

.cta p {
    font-size: 1.3rem;
    margin-bottom: 40px;
    opacity: 0.9;
}

.cta-form {
    background: white;
    padding: 40px;
    border-radius: 15px;
    max-width: 600px;
    margin: 0 auto;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.2);
}

.cta-form h3 {
    color: #333;
    margin-bottom: 30px;
    font-size: 1.8rem;
}

.form-group {
    margin-bottom: 25px;
    text-align: left;
}

.form-group label {
    display: block;
    margin-bottom: 8px;
    color: #333;
    font-weight: 600;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 15px;
    border: 2px solid #ddd;
    border-radius: 8px;
    font-size: 1rem;
    transition: border-color 0.3s ease;
    margin-bottom: 0;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: #0066cc;
}

.form-group textarea {
    font-family: inherit;
    resize: vertical;
    min-height: 100px;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 15px;
    margin-bottom: 25px;
}

.form-row .form-group {
    margin-bottom: 0; /* 각 그룹 사이 간격 제거 */
}

.phone-error {
    color: #dc3545;
    font-size: 0.85rem;
    margin-top: 5px;
    min-height: 20px;
    line-height: 1.2;
}

.phone-valid {
    border-color: #28a745 !important;
}

.phone-invalid {
    border-color: #dc3545 !important;
}

.submit-btn {
    background: linear-gradient(135deg, #0066cc 0%, #004499 100%);
    color: white;
    padding: 18px 60px;
    border: none;
    border-radius: 50px;
    font-size: 1.2rem;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease;
    box-shadow: 0 5px 15px rgba(0, 102, 204, 0.3);
}

.submit-btn:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 25px rgba(0, 102, 204, 0.4);
}

.privacy-agreement {
    margin-top: 0px;
}

.privacy-notice {
    font-size: 0.9rem;
    color: #666;
    margin-top: 20px;
    line-height: 1.6;
}

/* Checkbox styles */
.checkbox-container {
    display: inline-flex; /* inline-flex로 변경 */
    align-items: center;
    cursor: pointer;
    font-size: 0.9rem;
    line-height: 1.4;
    padding: 8px 12px;
    background: #f8f9fa;
    border-radius: 8px;
    border: 1px solid #e9ecef;
    gap: 10px;
    white-space: nowrap !important; /* 공백에서 줄바꿈 방지 */
}

.agreement-text {
    color: #666;
    line-height: 1.4;
    font-weight: 400;
}

.checkbox-container input[type="checkbox"] {
    display: none;
}

.checkmark {
    width: 18px; /* 크기 줄임 */
    height: 18px;
    background-color: #fff;
    border: 1px solid #ddd; /* 테두리 얇게 */
    border-radius: 3px;
    margin-right: 10px;
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all 0.3s ease;
}

.checkbox-container input[type="checkbox"]:checked + .checkmark {
    background-color: #0066cc;
    border-color: #0066cc;
}

.checkbox-container input[type="checkbox"]:checked + .checkmark:after {
    content: "✓";
    color: white;
    font-weight: bold;
    font-size: 14px;
}

.privacy-link {
    color: #666;
    text-decoration: underline;
    cursor: pointer;
    font-weight: 500;
}

.privacy-details {
    margin-top: 15px;
    padding: 20px;
    background: #f8f9fa;
    color: #666;
    border: 1px solid #ddd;
    border-radius: 8px;
    display: none;
    max-height: 300px;
    overflow-y: auto;
}

.privacy-details h5 {
    margin: 0 0 15px 0;
    color: #0066cc;
    font-size: 1rem; /* 크기 줄임 */
}

.privacy-content p {
    margin: 8px 0;
    font-size: 0.85rem; /* 크기 줄임 */
    line-height: 1.5;
    color: #666;
}

.privacy-content strong {
    color: #333;
    font-weight: 600;
}

@media (max-width: 768px) {
    .form-row {
        grid-template-columns: 1fr;
        gap: 0;
    }
    
    .form-row .form-group {
        margin-bottom: 25px; /* 모바일에서는 각 그룹마다 간격 */
    }
    
    .form-row .form-group:last-child {
        margin-bottom: 0;
    }
}

/* Footer */
footer {
    background: #2c3e50;
    color: white;
    padding: 60px 0 30px;
}

.legal-notice {
    margin-bottom: 40px;
}

.legal-notice h3 {
    font-size: 1.5rem;
    margin-bottom: 30px;
    color: #ecf0f1;
    text-align: left;
    border-bottom: 2px solid #34495e;
    padding-bottom: 15px;
}

.notice-content ul {
    list-style: none;
    padding: 0;
    margin-bottom: 30px;
    text-align: left;
}

.notice-content li {
    padding: 8px 0;
    font-size: 0.85rem;
    line-height: 1.5;
    color: #bdc3c7;
    border-bottom: 1px solid #34495e;
    position: relative;
    padding-left: 15px;
}

.notice-content li:before {
    content: "•";
    color: #3498db;
    position: absolute;
    left: 0;
    font-weight: bold;
}

.cost-example {
    background: #34495e;
    padding: 20px;
    border-radius: 8px;
    margin: 30px 0;
    border-left: 4px solid #e74c3c;
}

.cost-example h4 {
    font-size: 1.1rem;
    margin-bottom: 10px;
    color: #ecf0f1;
}

.cost-example p {
    font-size: 0.9rem;
    color: #bdc3c7;
    margin: 0;
    line-height: 1.6;
}

.cost-example strong {
    color: #e74c3c;
    font-size: 1.1em;
}

.company-info {
    background: #34495e;
    padding: 25px;
    border-radius: 8px;
    margin-top: 30px;
}

.info-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 20px;
    margin-bottom: 20px;
}

.info-item {
    font-size: 0.9rem;
    line-height: 1.6;
}

.info-item strong {
    color: #3498db;
    display: block;
    margin-bottom: 5px;
}

.footer-bottom {
    text-align: left;
    padding-top: 30px;
    border-top: 1px solid #34495e;
}

.footer-bottom p {
    margin: 5px 0;
    font-size: 0.9rem;
    color: #95a5a6;
}

/* Success Popup */
.success-popup-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0, 0, 0, 0.5);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 10000;
    opacity: 0;
    backdrop-filter: blur(5px);
    transition: opacity 0.3s ease;
}

.success-popup-overlay.show {
    opacity: 1;
}

.success-popup-overlay.hide {
    opacity: 0;
}

.success-popup {
    background: white;
    padding: 40px;
    border-radius: 20px;
    text-align: center;
    max-width: 400px;
    width: 90%;
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.3);
    transform: scale(0.8) translateY(-50px);
    transition: transform 0.3s ease;
}

.success-popup-overlay.show .success-popup {
    transform: scale(1) translateY(0);
}

.success-icon {
    font-size: 4rem;
    margin-bottom: 20px;
    animation: bounce 0.6s ease;
}

@keyframes bounce {
    0%, 20%, 50%, 80%, 100% {
        transform: translateY(0);
    }
    40% {
        transform: translateY(-10px);
    }
    60% {
        transform: translateY(-5px);
    }
}

.success-popup h3 {
    font-size: 1.8rem;
    color: #333;
    margin-bottom: 15px;
    font-weight: 700;
}

.success-popup p {
    font-size: 1.1rem;
    color: #666;
    line-height: 1.6;
    margin-bottom: 30px;
}

.success-btn {
    background: linear-gradient(135deg, #28a745 0%, #20c997 100%);
    color: white;
    border: none;
    padding: 12px 30px;
    border-radius: 25px;
    font-size: 1.1rem;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease;
    box-shadow: 0 4px 15px rgba(40, 167, 69, 0.3);
}

.success-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(40, 167, 69, 0.4);
}

/* Condition Popup */
.condition-popup-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0, 0, 0, 0.5);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 10000;
    backdrop-filter: blur(5px);
    opacity: 0;
    visibility: hidden;
    transition: all 0.3s ease;
}

.condition-popup-overlay.show {
    opacity: 1;
    visibility: visible;
}

.condition-popup {
    background: white;
    max-width: 500px;
    width: 90%;
    border-radius: 20px;
    padding: 30px;
    position: relative;
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.3);
    border: 3px solid #4A90E2;
    transform: scale(0.8) translateY(-50px);
    transition: transform 0.3s ease;
}

.condition-popup-overlay.show .condition-popup {
    transform: scale(1) translateY(0);
}

.popup-close-btn {
    position: absolute;
    top: 15px;
    right: 20px;
    width: 30px;
    height: 30px;
    border: 2px solid #666;
    background: white;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    color: #666;
    border-radius: 4px;
    transition: all 0.3s ease;
}

.popup-close-btn:hover {
    background: #f0f0f0;
    border-color: #333;
    color: #333;
}

.popup-header {
    text-align: center;
    margin-bottom: 25px;
}

.popup-icon {
    font-size: 40px;
    margin-bottom: 15px;
}

.popup-header h2 {
    font-size: 1.6rem;
    font-weight: 700;
    color: #333;
    margin: 0;
    line-height: 1.3;
}

.highlight-text {
    color: #4A90E2;
}

.condition-table-wrapper {
    background: #f8f9fa;
    border-radius: 10px;
    padding: 5px;
}

.condition-table {
    width: 100%;
    border-collapse: collapse;
    background: white;
    border-radius: 8px;
    overflow: hidden;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.1);
}

.condition-table td {
    padding: 15px;
    border-bottom: 1px solid #e0e0e0;
    vertical-align: middle;
    font-size: 0.95rem;
}

.condition-table tr:last-child td {
    border-bottom: none;
}

.condition-check {
    width: 35%;
    background: #f8f9ff;
    text-align: center;
    font-weight: 600;
    color: #4A90E2;
    border-right: 1px solid #e0e0e0;
}

.condition-desc {
    width: 65%;
    color: #333;
    line-height: 1.4;
    font-weight: 500;
}

/* 강조된 행 (기준 금리, 중도 상환) */
.highlight-row .condition-check {
    background: #ffe6e6;
    color: #e74c3c;
}

.highlight-row .condition-desc {
    background: #ffe6e6;
    color: #e74c3c;
    font-weight: 700;
    font-size: 1.1rem;
}

.check-icon {
    font-size: 16px;
    margin-right: 6px;
}

/* 모바일 최적화 */
@media (max-width: 768px) {
    .condition-popup {
        width: 95%;
        padding: 25px 20px;
        margin: 20px;
    }

    .popup-header h2 {
        font-size: 1.4rem;
    }

    .condition-table td {
        padding: 12px 10px;
        font-size: 0.9rem;
    }

    .condition-check {
        width: 40%;
    }

    .condition-desc {
        width: 60%;
    }

    .highlight-row .condition-desc {
        font-size: 1rem;
    }
}