:root {
    --bg-primary: #F8F7F4;
    --bg-surface: #FFFFFF;
    --bg-subtle: #F1EFEA;
    --navy-950: #0A1120;
    --navy-900: #0F172A;
    --navy-800: #1E293B;
    --slate-700: #334155;
    --slate-600: #475569;
    --slate-500: #64748B;
    --slate-400: #94A3B8;
    --border-light: #E2DFD7;
    --border-strong: #CBD5E1;
    --gold-700: #8C6D2E;
    --gold-600: #A68238;
    --gold-500: #C5A059;
    --gold-100: #F7F2E7;
    --kakao-bg: #FEE500;
    --kakao-text: #191919;
    --danger-text: #991B1B;
    --danger-bg: #FEF2F2;
    --font-sans: 'Pretendard Variable', Pretendard, -apple-system, BlinkMacSystemFont, system-ui, Roboto, 'Noto Sans KR', sans-serif;
    --font-serif: 'Noto Serif KR', Georgia, serif;
}

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

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-sans);
    background-color: var(--bg-primary);
    color: var(--navy-900);
    line-height: 1.65;
    -webkit-font-smoothing: antialiased;
    word-break: keep-all;
}

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

.container {
    max-width: 1160px;
    margin: 0 auto;
    padding: 0 24px;
}

/* Top Compliance Notice Bar */
.compliance-topbar {
    background-color: var(--navy-950);
    color: #CBD5E1;
    font-size: 0.75rem;
    padding: 10px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
    line-height: 1.4;
}

.compliance-topbar .container {
    display: flex;
    flex-wrap: wrap;
    justify-content: space-between;
    align-items: center;
    gap: 6px 20px;
}

.compliance-badge {
    display: inline-flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 8px;
    font-weight: 500;
    letter-spacing: -0.01em;
}

.compliance-badge .divider {
    color: rgba(255, 255, 255, 0.25);
}

.compliance-badge strong {
    color: var(--gold-500);
    font-weight: 600;
}

.compliance-rate-summary {
    color: #94A3B8;
    font-size: 0.74rem;
    text-align: right;
    margin-left: auto;
}

/* Header */
.site-header {
    position: sticky;
    top: 0;
    z-index: 100;
    background-color: rgba(248, 247, 244, 0.96);
    backdrop-filter: blur(10px);
    border-bottom: 1px solid var(--border-light);
}

.header-inner {
    min-height: 80px;
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    align-items: center;
    gap: 24px;
}

.brand-identity {
    display: inline-flex;
    flex-direction: column;
    justify-self: start;
    line-height: 1;
}

.brand-title {
    font-family: var(--font-serif);
    font-size: 1.45rem;
    font-weight: 700;
    color: var(--navy-950);
    letter-spacing: 0.02em;
    line-height: 1.15;
}

.brand-subtitle {
    font-size: 0.65rem;
    text-transform: uppercase;
    letter-spacing: 0.16em;
    color: var(--gold-700);
    font-weight: 600;
    margin-top: 4px;
}

.main-nav {
    display: flex;
    align-items: center;
    justify-content: center;
    justify-self: center;
    gap: 28px;
    font-size: 0.92rem;
    font-weight: 600;
    color: var(--slate-700);
}

.main-nav a {
    display: inline-flex;
    align-items: center;
    height: 80px;
    padding: 0 4px;
    border-bottom: 2px solid transparent;
    transition: color 0.15s ease, border-color 0.15s ease;
    white-space: nowrap;
}

.main-nav a:hover {
    color: var(--navy-950);
    border-bottom-color: var(--gold-600);
}

.header-cta {
    display: flex;
    align-items: center;
    justify-content: flex-end;
    justify-self: end;
    gap: 10px;
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 11px 20px;
    font-size: 0.875rem;
    font-weight: 600;
    border-radius: 4px;
    transition: all 0.2s ease;
    cursor: pointer;
    border: 1px solid transparent;
    white-space: nowrap;
}

.btn-navy {
    background-color: var(--navy-900);
    color: #FFFFFF;
}

.btn-navy:hover {
    background-color: var(--navy-800);
}

.btn-outline {
    background-color: transparent;
    border-color: var(--navy-900);
    color: var(--navy-900);
}

.btn-outline:hover {
    background-color: var(--navy-900);
    color: #FFFFFF;
}

.btn-kakao {
    background-color: var(--kakao-bg);
    color: var(--kakao-text);
    border-color: #F2D900;
}

.btn-kakao:hover {
    background-color: #F5DC00;
}

/* Hero Section */
.hero-section {
    padding: 88px 0 80px;
    background: linear-gradient(180deg, #FFFFFF 0%, var(--bg-primary) 100%);
    border-bottom: 1px solid var(--border-light);
}

.hero-grid {
    display: grid;
    grid-template-columns: 1.35fr 0.85fr;
    gap: 48px;
    align-items: stretch;
}

.hero-eyebrow {
    display: inline-block;
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.16em;
    color: var(--gold-700);
    background-color: var(--gold-100);
    padding: 6px 12px;
    border-left: 3px solid var(--gold-600);
    margin-bottom: 22px;
}

.hero-headline {
    font-family: var(--font-serif);
    font-size: 2.6rem;
    line-height: 1.32;
    font-weight: 700;
    color: var(--navy-950);
    letter-spacing: -0.025em;
    margin-bottom: 22px;
}

.hero-lead {
    font-size: 1.05rem;
    color: var(--slate-600);
    line-height: 1.75;
    margin-bottom: 36px;
    max-width: 600px;
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-bottom: 40px;
}

.hero-actions .btn {
    padding: 14px 26px;
    font-size: 0.95rem;
}

.hero-metrics {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    padding-top: 28px;
    border-top: 1px solid var(--border-light);
}

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

.metric-label {
    font-size: 0.78rem;
    color: var(--slate-500);
    font-weight: 500;
}

.metric-value {
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--navy-950);
    letter-spacing: -0.01em;
}

/* Hero Summary Panel */
.hero-panel {
    background-color: var(--navy-950);
    color: #FFFFFF;
    padding: 36px 32px;
    border-radius: 6px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    border-top: 4px solid var(--gold-500);
    box-shadow: 0 20px 40px rgba(10, 17, 32, 0.08);
}

.panel-header {
    border-bottom: 1px solid rgba(255, 255, 255, 0.12);
    padding-bottom: 18px;
    margin-bottom: 22px;
}

.panel-tag {
    font-size: 0.72rem;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--gold-500);
    font-weight: 600;
}

.panel-title {
    font-family: var(--font-serif);
    font-size: 1.3rem;
    font-weight: 600;
    margin-top: 6px;
    color: #F8FAFC;
}

.panel-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin-bottom: 28px;
}

.panel-list li {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    font-size: 0.88rem;
    padding-bottom: 12px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.07);
}

.panel-list .label {
    color: #94A3B8;
}

.panel-list .value {
    font-weight: 600;
    color: #F8FAFC;
    text-align: right;
}

.panel-contact-box {
    background-color: rgba(255, 255, 255, 0.05);
    padding: 18px 20px;
    border-radius: 4px;
    border: 1px solid rgba(255, 255, 255, 0.1);
}

.panel-contact-label {
    font-size: 0.75rem;
    color: #94A3B8;
    margin-bottom: 4px;
}

.panel-contact-phone {
    font-size: 1.45rem;
    font-weight: 700;
    color: var(--gold-500);
    letter-spacing: 0.02em;
}

.panel-contact-hours {
    font-size: 0.75rem;
    color: #CBD5E1;
    margin-top: 4px;
}

/* Section Common */
.section {
    padding: 84px 0;
    border-bottom: 1px solid var(--border-light);
}

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

.section-header {
    margin-bottom: 48px;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.section-kicker {
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.18em;
    color: var(--gold-700);
}

.section-title {
    font-family: var(--font-serif);
    font-size: 1.95rem;
    color: var(--navy-950);
    font-weight: 700;
    letter-spacing: -0.02em;
}

.section-desc {
    font-size: 0.98rem;
    color: var(--slate-600);
    max-width: 680px;
}

/* Collateral Portfolio Grid */
.collateral-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.collateral-card {
    background-color: var(--bg-surface);
    border: 1px solid var(--border-light);
    padding: 36px 30px;
    border-radius: 4px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.collateral-card:hover {
    border-color: var(--gold-600);
    box-shadow: 0 12px 28px rgba(15, 23, 42, 0.05);
}

.card-index {
    font-family: var(--font-serif);
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--gold-700);
    letter-spacing: 0.08em;
    padding-bottom: 14px;
    margin-bottom: 18px;
    border-bottom: 1px solid var(--border-light);
}

.card-title {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--navy-950);
    margin-bottom: 12px;
    letter-spacing: -0.01em;
}

.card-desc {
    font-size: 0.92rem;
    color: var(--slate-600);
    margin-bottom: 24px;
    line-height: 1.65;
}

.card-meta {
    background-color: var(--bg-primary);
    padding: 14px 16px;
    border-radius: 4px;
    font-size: 0.82rem;
    color: var(--slate-700);
    border-left: 2px solid var(--navy-900);
}

.card-meta strong {
    display: block;
    color: var(--navy-950);
    margin-bottom: 2px;
}

/* Security & Custody Principles */
.principles-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
}

.principle-box {
    padding: 32px;
    background-color: var(--bg-primary);
    border: 1px solid var(--border-light);
    border-radius: 4px;
}

.principle-num {
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    color: var(--gold-700);
    text-transform: uppercase;
    margin-bottom: 8px;
}

.principle-title {
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--navy-950);
    margin-bottom: 10px;
}

.principle-text {
    font-size: 0.92rem;
    color: var(--slate-600);
    line-height: 1.65;
}

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

.step-card {
    background-color: var(--bg-surface);
    border: 1px solid var(--border-light);
    padding: 28px 24px;
    border-radius: 4px;
    position: relative;
}

.step-number {
    font-family: var(--font-serif);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--navy-900);
    margin-bottom: 12px;
    padding-bottom: 10px;
    border-bottom: 2px solid var(--gold-500);
    display: inline-block;
}

.step-title {
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--navy-950);
    margin-bottom: 8px;
}

.step-desc {
    font-size: 0.88rem;
    color: var(--slate-600);
    line-height: 1.6;
}

/* Terms Specification Table */
.terms-table-wrap {
    background-color: var(--bg-surface);
    border: 1px solid var(--border-strong);
    border-radius: 4px;
    overflow: hidden;
}

.terms-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.92rem;
}

.terms-table th,
.terms-table td {
    padding: 18px 24px;
    text-align: left;
    border-bottom: 1px solid var(--border-light);
    vertical-align: top;
}

.terms-table tr:last-child th,
.terms-table tr:last-child td {
    border-bottom: none;
}

.terms-table th {
    width: 240px;
    background-color: var(--bg-subtle);
    color: var(--navy-950);
    font-weight: 700;
    border-right: 1px solid var(--border-light);
}

.terms-table td {
    color: var(--slate-700);
}

.rate-highlight {
    font-weight: 700;
    color: var(--navy-950);
}

/* Consultation & Branch Section */
.consult-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 28px;
}

.consult-card {
    background-color: var(--bg-primary);
    border: 1px solid var(--border-light);
    padding: 36px 32px;
    border-radius: 4px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

.consult-card h3 {
    font-family: var(--font-serif);
    font-size: 1.35rem;
    color: var(--navy-950);
    margin-bottom: 10px;
}

.consult-card p {
    font-size: 0.92rem;
    color: var(--slate-600);
    margin-bottom: 24px;
}

.info-dl {
    display: grid;
    grid-template-columns: 100px 1fr;
    row-gap: 12px;
    column-gap: 16px;
    font-size: 0.9rem;
    margin-bottom: 28px;
    padding-top: 18px;
    border-top: 1px solid var(--border-light);
}

.info-dl dt {
    color: var(--slate-500);
    font-weight: 600;
}

.info-dl dd {
    color: var(--navy-950);
    font-weight: 500;
}

.consult-btn-group {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
}

/* Statutory Legal Warning & Footer */
.legal-notice-section {
    background-color: #EFECE6;
    padding: 48px 0;
    border-bottom: 1px solid var(--border-strong);
}

.legal-warning-box {
    background-color: var(--bg-surface);
    border: 1px solid var(--border-strong);
    border-left: 4px solid var(--navy-950);
    padding: 28px 32px;
    border-radius: 4px;
}

.legal-warning-title {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--navy-950);
    margin-bottom: 12px;
}

.legal-warning-list {
    list-style: disc;
    padding-left: 20px;
    font-size: 0.84rem;
    color: var(--slate-700);
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.legal-warning-emphasis {
    margin-top: 16px;
    padding-top: 14px;
    border-top: 1px solid var(--border-light);
    font-size: 0.88rem;
    font-weight: 700;
    color: var(--danger-text);
}

/* Footer */
.site-footer {
    background-color: var(--navy-950);
    color: #94A3B8;
    padding: 56px 0 64px;
    font-size: 0.82rem;
}

.footer-top {
    display: flex;
    flex-wrap: wrap;
    justify-content: space-between;
    align-items: flex-start;
    gap: 24px;
    padding-bottom: 28px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
    margin-bottom: 28px;
}

.footer-brand {
    color: #F8FAFC;
    font-family: var(--font-serif);
    font-size: 1.15rem;
    font-weight: 700;
}

.footer-brand-sub {
    font-size: 0.72rem;
    color: var(--gold-500);
    letter-spacing: 0.14em;
    text-transform: uppercase;
    margin-top: 4px;
}

.entity-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 10px 32px;
    margin-bottom: 24px;
    background-color: rgba(255, 255, 255, 0.03);
    padding: 20px 24px;
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: 4px;
}

.entity-item {
    display: flex;
    gap: 10px;
}

.entity-label {
    color: #64748B;
    min-width: 120px;
    font-weight: 500;
}

.entity-value {
    color: #E2E8F0;
    font-weight: 500;
}

.footer-copy {
    color: #64748B;
    font-size: 0.76rem;
    display: flex;
    flex-wrap: wrap;
    justify-content: space-between;
    gap: 12px;
}

/* Responsive */
@media (max-width: 1024px) {
    .header-inner {
        grid-template-columns: 1fr auto;
        min-height: 70px;
    }
    .main-nav {
        display: none;
    }
    .compliance-topbar .container {
        flex-direction: column;
        align-items: flex-start;
    }
    .compliance-rate-summary {
        margin-left: 0;
        text-align: left;
    }
}

@media (max-width: 960px) {
    .hero-grid {
        grid-template-columns: 1fr;
    }
    .collateral-grid {
        grid-template-columns: 1fr;
    }
    .process-steps {
        grid-template-columns: repeat(2, 1fr);
    }
    .consult-grid,
    .principles-grid,
    .entity-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 640px) {
    .hero-headline {
        font-size: 1.95rem;
    }
    .hero-metrics {
        grid-template-columns: 1fr;
        gap: 14px;
    }
    .process-steps {
        grid-template-columns: 1fr;
    }
    .terms-table th,
    .terms-table td {
        display: block;
        width: 100%;
    }
    .terms-table th {
        border-right: none;
        padding-bottom: 8px;
    }
    .terms-table td {
        padding-top: 8px;
    }
}