/*
  카보다(CARBODA) - 자동차보험 비교 사이트
  Design read: trust-first insurance comparison landing for mainstream Korean
  consumers. Clean, premium-finance language. Native HTML/CSS/JS (no build step
  so the client can host anywhere). Dials - variance 5, motion 3, density 4.
  Theme: navy (trust) + single amber accent (action). Radius scale: pill
  buttons/badges, 16px cards, 10px inputs. One accent color used everywhere.
*/

/* ---------- Tokens ---------- */
:root {
  --bg: #faf9f6;
  --surface: #ffffff;
  --surface-alt: #f1efe8;
  --text: #14182b;
  --text-secondary: #5b6178;
  --navy: #1b2a4e;
  --navy-deep: #0f1626;
  --accent: #e8871e;
  --accent-hover: #cf760f;
  --accent-ink: #4a2c05;
  --border: #e6e2d8;
  --success: #2f8f5b;
  --danger: #c94a3f;
  --shadow-sm: 0 1px 2px rgba(20, 24, 43, 0.06);
  --shadow-md: 0 12px 32px -12px rgba(20, 24, 43, 0.18);
  --shadow-navy: 0 16px 40px -16px rgba(15, 22, 38, 0.45);

  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --radius-pill: 999px;

  --container: 1180px;
  --header-h: 72px;

  --font-sans: "Pretendard Variable", Pretendard, -apple-system, BlinkMacSystemFont,
    "Malgun Gothic", "Apple SD Gothic Neo", sans-serif;

  color-scheme: light;
}

:root[data-theme="dark"] {
  color-scheme: dark;
  --bg: #0e1220;
  --surface: #171c2e;
  --surface-alt: #1c2236;
  --text: #f1f0ec;
  --text-secondary: #a2a9c0;
  --navy: #141c33;
  --navy-deep: #0a0e1a;
  --accent: #f0983a;
  --accent-hover: #ffab55;
  --accent-ink: #2b1a03;
  --border: #2a3050;
  --shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.3);
  --shadow-md: 0 12px 32px -12px rgba(0, 0, 0, 0.55);
  --shadow-navy: 0 16px 40px -16px rgba(0, 0, 0, 0.6);
}

/* Bright by design: the site stays on the light palette regardless of the
   visitor's system theme. Dark tokens above remain available behind an
   explicit [data-theme="dark"] toggle if one is added later, but there is no
   automatic prefers-color-scheme switch. */

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font: inherit; color: inherit; background: none; border: none; cursor: pointer; }
ul, ol { margin: 0; padding: 0; list-style: none; }
h1, h2, h3, h4, p { margin: 0; }
input, select, textarea { font: inherit; color: inherit; }
:focus-visible { outline: 2px solid var(--accent); outline-offset: 2px; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

/* ---------- Layout helpers ---------- */
.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}
.section { padding: 88px 0; }
.section-alt { background: var(--surface-alt); }
.section-navy { background: var(--navy); color: #fff; }
@media (max-width: 768px) {
  .section { padding: 56px 0; }
  .container { padding: 0 20px; }
}

.section-head {
  max-width: 640px;
  margin-bottom: 44px;
}
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.eyebrow {
  display: inline-block;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.04em;
  color: var(--accent);
  margin-bottom: 12px;
}
.section-title {
  font-size: clamp(24px, 3vw, 32px);
  font-weight: 800;
  letter-spacing: -0.01em;
  line-height: 1.35;
}
.section-body {
  margin-top: 12px;
  color: var(--text-secondary);
  font-size: 16px;
  line-height: 1.7;
}
.section-navy .section-body { color: rgba(255, 255, 255, 0.72); }

.visually-hidden {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  height: 48px;
  padding: 0 24px;
  border-radius: var(--radius-pill);
  font-weight: 700;
  font-size: 15px;
  white-space: nowrap;
  transition: transform 0.15s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.15s ease, background 0.15s ease;
}
.btn:active { transform: scale(0.98); }
.btn-primary {
  background: var(--accent);
  color: #1c1103;
  box-shadow: var(--shadow-sm);
}
.btn-primary:hover { background: var(--accent-hover); }
.btn-ghost {
  background: transparent;
  color: var(--text);
  border: 1.5px solid var(--border);
}
.btn-ghost:hover { border-color: var(--accent); color: var(--accent); }
.btn-navy {
  background: #fff;
  color: var(--navy);
}
.btn-navy:hover { background: rgba(255, 255, 255, 0.88); }
.btn-block { width: 100%; }
.btn-sm { height: 40px; padding: 0 18px; font-size: 14px; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  height: var(--header-h);
  display: flex;
  align-items: center;
  background: color-mix(in srgb, var(--bg) 86%, transparent);
  backdrop-filter: blur(14px) saturate(140%);
  -webkit-backdrop-filter: blur(14px) saturate(140%);
  border-bottom: 1px solid var(--border);
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand { display: flex; align-items: center; gap: 10px; font-weight: 800; font-size: 19px; letter-spacing: -0.01em; }
.brand svg { width: 32px; height: 32px; flex-shrink: 0; }

.header-right { display: flex; align-items: center; gap: 28px; }

.nav-desktop { display: flex; align-items: center; gap: 4px; }
.nav-desktop a {
  padding: 10px 14px;
  border-radius: var(--radius-pill);
  font-size: 15px;
  font-weight: 600;
  color: var(--text-secondary);
  transition: background 0.15s ease, color 0.15s ease;
}
.nav-desktop a:hover, .nav-desktop a[aria-current="page"] { color: var(--text); background: var(--surface-alt); }

.header-actions { display: flex; align-items: center; gap: 8px; }
.menu-toggle {
  display: none;
  width: 44px; height: 44px;
  align-items: center; justify-content: center;
  border-radius: var(--radius-sm);
}
.menu-toggle:hover { background: var(--surface-alt); }
.menu-toggle svg { width: 24px; height: 24px; }

.mobile-nav {
  position: fixed;
  inset: var(--header-h) 0 0 0;
  z-index: 99;
  background: var(--bg);
  padding: 24px 20px 40px;
  transform: translateY(-8px);
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.2s ease, transform 0.2s ease, visibility 0.2s;
  overflow-y: auto;
}
.mobile-nav.is-open { opacity: 1; transform: translateY(0); visibility: visible; }
.mobile-nav a {
  display: block;
  padding: 16px 4px;
  font-size: 19px;
  font-weight: 700;
  border-bottom: 1px solid var(--border);
}
.mobile-nav .btn { margin-top: 24px; }

@media (max-width: 860px) {
  .nav-desktop { display: none; }
  .menu-toggle { display: inline-flex; }
  .header-actions .btn-primary.header-cta { display: none; }
}

/* ---------- Hero ---------- */
.hero {
  padding: 56px 0 72px;
  background:
    radial-gradient(80% 60% at 82% 0%, rgba(232, 135, 30, 0.10), transparent 60%),
    var(--bg);
}
.hero .container {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 56px;
  align-items: center;
}
.hero-copy h1 {
  font-size: clamp(32px, 4.4vw, 50px);
  font-weight: 800;
  line-height: 1.28;
  letter-spacing: -0.02em;
}
.hero-copy h1 em {
  font-style: normal;
  color: var(--accent);
}
.hero-copy p {
  margin-top: 18px;
  font-size: 18px;
  color: var(--text-secondary);
  max-width: 46ch;
  line-height: 1.65;
}
.hero-actions { display: flex; gap: 12px; margin-top: 28px; flex-wrap: wrap; }
.hero-stats {
  display: flex;
  gap: 28px;
  margin-top: 40px;
  padding-top: 28px;
  border-top: 1px solid var(--border);
}
.hero-stats div strong { display: block; font-size: 24px; font-weight: 800; }
.hero-stats div span { font-size: 13.5px; color: var(--text-secondary); }

.hero-visual {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 3 / 4;
  box-shadow: var(--shadow-md);
}
.hero-visual img { width: 100%; height: 100%; object-fit: cover; }
.hero-visual::after {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(15, 22, 38, 0) 55%, rgba(15, 22, 38, 0.55) 100%);
}
.hero-visual-badge {
  position: absolute;
  left: 20px; bottom: 20px;
  right: 20px;
  z-index: 1;
  color: #fff;
  display: flex;
  align-items: center;
  gap: 12px;
}
.hero-visual-badge .dot {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.16);
  border: 1px solid rgba(255, 255, 255, 0.3);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.hero-visual-badge .dot svg { width: 22px; height: 22px; }
.hero-visual-badge strong { display: block; font-size: 15px; font-weight: 700; }
.hero-visual-badge span { font-size: 13px; color: rgba(255, 255, 255, 0.78); }

@media (max-width: 900px) {
  .hero .container { grid-template-columns: 1fr; gap: 32px; }
  .hero-visual { order: -1; aspect-ratio: 16 / 10; max-height: 320px; }
  .hero-stats { gap: 20px; flex-wrap: wrap; }
}

/* ---------- Insurer strip ---------- */
.insurer-strip {
  padding: 28px 0;
  border-bottom: 1px solid var(--border);
}
.insurer-strip p {
  text-align: center;
  font-size: 13.5px;
  color: var(--text-secondary);
  margin-bottom: 18px;
}
.insurer-marquee {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  justify-content: center;
}
.insurer-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  height: 56px;
  min-width: 108px;
  padding: 0 20px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border);
  background: var(--surface);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.insurer-logo:hover { border-color: transparent; box-shadow: var(--shadow-sm); }
.insurer-logo img {
  max-height: 26px;
  max-width: 128px;
  object-fit: contain;
  filter: grayscale(100%);
  opacity: 0.75;
  transition: filter 0.15s ease, opacity 0.15s ease;
}
.insurer-logo:hover img { filter: none; opacity: 1; }
.insurer-logo .fallback-text {
  display: none;
  font-size: 14px;
  font-weight: 700;
  color: var(--text-secondary);
  white-space: nowrap;
}

/* ---------- Quote form ---------- */
.quote-section { padding: 80px 0; }
.quote-card {
  background: linear-gradient(160deg, #ffffff 0%, var(--surface-alt) 100%);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 48px;
  color: var(--text);
  box-shadow: var(--shadow-md);
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 48px;
  align-items: center;
}
.quote-intro h2 { font-size: clamp(24px, 3vw, 30px); font-weight: 800; line-height: 1.4; color: var(--navy); }
.quote-intro p { margin-top: 14px; color: var(--text-secondary); line-height: 1.7; }
.quote-intro ul { margin-top: 24px; display: grid; gap: 12px; }
.quote-intro li { display: flex; align-items: flex-start; gap: 10px; font-size: 14.5px; color: var(--text); }
.quote-intro li svg {
  width: 26px; height: 26px; padding: 4px; box-sizing: border-box;
  flex-shrink: 0; border-radius: 50%;
  background: rgba(232, 135, 30, 0.14); color: var(--accent);
}

.quote-form {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 32px;
  color: var(--text);
  box-shadow: var(--shadow-md);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field label { font-size: 13.5px; font-weight: 700; color: var(--text); }
.field-hint { font-size: 12.5px; color: var(--text-secondary); }
.field-error { font-size: 12.5px; color: var(--danger); display: none; }
.field.has-error .field-error { display: block; }
.field.has-error input, .field.has-error select { border-color: var(--danger); }

.radio-group { display: flex; gap: 10px; }
.radio-pill {
  flex: 1;
  display: flex; align-items: center; justify-content: center;
  height: 44px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border);
  font-size: 14.5px; font-weight: 600;
  cursor: pointer;
  transition: border-color 0.15s ease, background 0.15s ease, color 0.15s ease;
}
.radio-pill input { position: absolute; opacity: 0; pointer-events: none; }
.radio-pill:has(input:checked) {
  border-color: var(--accent);
  background: rgba(232, 135, 30, 0.12);
  color: var(--accent-ink, var(--text));
}

.field input[type="text"], .field input[type="tel"], .field select {
  height: 44px;
  padding: 0 14px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border);
  background: var(--surface);
  color: var(--text);
  transition: border-color 0.15s ease;
}
.field input::placeholder { color: #9aa0b4; }
.field input:focus, .field select:focus { border-color: var(--accent); }

.phone-group { display: grid; grid-template-columns: 96px 1fr; gap: 10px; }

.consent-row {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin: 18px 0;
  font-size: 13px;
  color: var(--text-secondary);
}
.consent-row input { margin-top: 3px; width: 16px; height: 16px; accent-color: var(--accent); flex-shrink: 0; }
.consent-row a { color: var(--text); text-decoration: underline; }
.consent-row.has-error { color: var(--danger); }
.consent-detail { margin: -10px 0 14px; padding-left: 26px; }
.consent-detail summary { font-size: 12.5px; color: var(--text-secondary); cursor: pointer; }
.consent-detail p {
  font-size: 12px; color: var(--text-secondary); line-height: 1.7;
  margin-top: 8px; padding: 10px 12px; background: var(--surface-alt); border-radius: 8px;
}

.form-note { font-size: 12.5px; color: var(--text-secondary); margin-top: 12px; text-align: center; }

.form-success {
  display: none;
  text-align: center;
  padding: 32px 8px;
}
.form-success.is-visible { display: block; }
.form-success svg { width: 52px; height: 52px; color: var(--success); margin: 0 auto 16px; }
.form-success h3 { font-size: 20px; font-weight: 800; }
.form-success p { margin-top: 8px; color: var(--text-secondary); }
.quote-form.is-submitted .quote-form-fields { display: none; }

@media (max-width: 860px) {
  .quote-card { grid-template-columns: 1fr; padding: 28px 20px; gap: 28px; border-radius: var(--radius-md); }
  .quote-form { padding: 22px 18px; }
  .form-row { grid-template-columns: 1fr; }
}

/* ---------- Bento (why us) ---------- */
.bento-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  grid-template-rows: repeat(2, minmax(160px, auto));
  gap: 16px;
}
.bento-cell {
  border-radius: var(--radius-md);
  padding: 28px;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  position: relative;
  overflow: hidden;
  border: 1px solid var(--border);
}
.bento-cell.b-large { grid-column: span 2; grid-row: span 2; background: var(--navy); color: #fff; border: none; justify-content: space-between; }
.bento-cell.b-accent { background: rgba(232, 135, 30, 0.1); border-color: transparent; }
.bento-cell.b-photo {
  color: #fff;
  justify-content: flex-end;
}
.bento-cell.b-photo img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: 0; }
.bento-cell.b-photo::before {
  content: ""; position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(180deg, rgba(15,22,38,0.05), rgba(15,22,38,0.82));
}
.bento-cell.b-photo > * { position: relative; z-index: 2; }

.bento-icon {
  width: 48px; height: 48px;
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  background: rgba(232, 135, 30, 0.14);
  color: var(--accent);
  margin-bottom: 16px;
}
.bento-cell.b-large .bento-icon { background: rgba(255,255,255,0.14); color: var(--accent); }
.bento-icon svg { width: 24px; height: 24px; }
.bento-cell h3 { font-size: 19px; font-weight: 800; line-height: 1.4; }
.bento-cell p { margin-top: 8px; font-size: 14.5px; color: var(--text-secondary); line-height: 1.65; }
.bento-cell.b-large p, .bento-cell.b-photo p { color: rgba(255,255,255,0.76); }
.bento-cell .bento-top { display: flex; flex-direction: column; }
.bento-stat { font-size: 42px; font-weight: 800; letter-spacing: -0.02em; }

@media (max-width: 900px) {
  .bento-grid { grid-template-columns: 1fr 1fr; }
  .bento-cell.b-large { grid-column: span 2; grid-row: span 1; }
}
@media (max-width: 620px) {
  .bento-grid { grid-template-columns: 1fr; }
  .bento-cell, .bento-cell.b-large { grid-column: span 1; grid-row: span 1; min-height: 180px; }
}

/* ---------- Guide cards ---------- */
.guide-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.guide-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 26px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  transition: transform 0.18s cubic-bezier(0.16,1,0.3,1), box-shadow 0.18s ease, border-color 0.18s ease;
}
.guide-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: transparent; }
.guide-card .num { font-size: 13px; font-weight: 800; color: var(--accent); }
.guide-card h3 { font-size: 17.5px; font-weight: 800; line-height: 1.4; }
.guide-card p { font-size: 14px; color: var(--text-secondary); line-height: 1.65; }
.guide-card .mini-list { display: grid; gap: 8px; flex-grow: 1; }
.guide-card .mini-list li { display: flex; gap: 8px; font-size: 13px; color: var(--text-secondary); line-height: 1.5; }
.guide-card .mini-list li::before {
  content: ""; width: 5px; height: 5px; border-radius: 50%;
  background: var(--accent); flex-shrink: 0; margin-top: 7px;
}
.guide-card .link { font-size: 14px; font-weight: 700; display: inline-flex; align-items: center; gap: 6px; margin-top: auto; padding-top: 4px; }
.guide-card .link svg { width: 16px; height: 16px; transition: transform 0.15s ease; }
.guide-card:hover .link svg { transform: translateX(3px); }

@media (max-width: 900px) {
  .guide-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .guide-grid { grid-template-columns: 1fr; }
}

/* ---------- Tabs ---------- */
.tabs-block {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: 48px;
  align-items: start;
}
.tab-list {
  display: flex;
  flex-direction: column;
  gap: 8px;
  position: sticky;
  top: calc(var(--header-h) + 16px);
}
.tab-btn {
  text-align: left;
  padding: 16px 18px;
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
  background: var(--surface);
  font-weight: 700;
  font-size: 15.5px;
  color: var(--text-secondary);
  transition: border-color 0.15s ease, background 0.15s ease, color 0.15s ease;
}
.tab-btn span { display: block; font-weight: 500; font-size: 13px; margin-top: 4px; color: var(--text-secondary); }
.tab-btn[aria-selected="true"] {
  border-color: var(--accent);
  background: rgba(232, 135, 30, 0.08);
  color: var(--text);
}
.tab-panels { position: relative; }
.tab-panel { display: none; }
.tab-panel.is-active { display: block; animation: fadeIn 0.25s ease; }
.tab-panel-inner {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 32px;
}
.tab-panel-inner h3 { font-size: 20px; font-weight: 800; }
.tab-panel-inner > p { margin-top: 10px; color: var(--text-secondary); line-height: 1.7; }
.tab-check-list { margin-top: 22px; display: grid; gap: 16px; }
.tab-check-list li { display: flex; gap: 12px; }
.tab-check-list .ico {
  width: 32px; height: 32px; border-radius: 10px;
  background: rgba(47, 143, 91, 0.12); color: var(--success);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.tab-check-list .ico svg { width: 17px; height: 17px; }
.tab-check-list strong { display: block; font-size: 15px; font-weight: 700; }
.tab-check-list p { font-size: 13.5px; color: var(--text-secondary); margin-top: 2px; }

@keyframes fadeIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }

@media (max-width: 860px) {
  .tabs-block { grid-template-columns: 1fr; }
  .tab-list { position: static; flex-direction: row; overflow-x: auto; gap: 8px; padding-bottom: 4px; }
  .tab-btn { flex: 0 0 auto; white-space: nowrap; }
  .tab-btn span { display: none; }
}

/* ---------- FAQ accordion ---------- */
.faq-list { display: grid; gap: 10px; max-width: 820px; margin: 0 auto; }
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  background: var(--surface);
  overflow: hidden;
}
.faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 22px;
  text-align: left;
  font-size: 15.5px;
  font-weight: 700;
}
.faq-q .plus {
  width: 26px; height: 26px; flex-shrink: 0;
  border-radius: 50%;
  border: 1.5px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  position: relative;
}
.faq-q .plus::before, .faq-q .plus::after {
  content: ""; position: absolute; background: var(--text);
  transition: transform 0.2s ease, opacity 0.2s ease;
}
.faq-q .plus::before { width: 11px; height: 1.6px; }
.faq-q .plus::after { width: 1.6px; height: 11px; }
.faq-item[data-open="true"] .plus::after { transform: rotate(90deg); opacity: 0; }
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.25s ease;
}
.faq-a-inner { padding: 0 22px 22px; color: var(--text-secondary); font-size: 14.5px; line-height: 1.75; }

/* ---------- Columnists / experts ---------- */
.expert-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.expert-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 26px;
}
.expert-card p.excerpt { color: var(--text-secondary); font-size: 14px; line-height: 1.7; }
.expert-meta { display: flex; align-items: center; gap: 12px; margin-top: 20px; padding-top: 18px; border-top: 1px solid var(--border); }
.expert-avatar {
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--navy); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 15px; flex-shrink: 0;
}
.expert-meta strong { display: block; font-size: 14.5px; font-weight: 700; }
.expert-meta span { font-size: 12.5px; color: var(--text-secondary); }

@media (max-width: 900px) { .expert-grid { grid-template-columns: 1fr; } }

/* ---------- Bottom CTA ---------- */
.cta-band {
  background: linear-gradient(135deg, rgba(232, 135, 30, 0.14), var(--surface-alt) 65%);
  border: 1px solid var(--border);
  color: var(--text);
  border-radius: var(--radius-lg);
  padding: 56px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}
.cta-band h2 { font-size: clamp(22px, 3vw, 28px); font-weight: 800; line-height: 1.4; max-width: 30ch; color: var(--navy); }
.cta-band p { margin-top: 10px; color: var(--text-secondary); }
.cta-band .actions { display: flex; gap: 12px; flex-shrink: 0; flex-wrap: wrap; }

@media (max-width: 760px) {
  .cta-band { flex-direction: column; align-items: flex-start; padding: 32px 24px; border-radius: var(--radius-md); }
  .cta-band .actions { width: 100%; }
  .cta-band .actions .btn { flex: 1; }
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.62);
  padding: 56px 0 28px;
  font-size: 13.5px;
  line-height: 1.75;
}
.footer-top {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 32px;
  padding-bottom: 36px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand { display: flex; align-items: center; gap: 10px; color: #fff; font-weight: 800; font-size: 18px; margin-bottom: 12px; }
.footer-brand svg { width: 28px; height: 28px; }
.footer-col h4 { color: #fff; font-size: 14px; font-weight: 700; margin-bottom: 14px; }
.footer-col ul { display: grid; gap: 10px; }
.footer-col a:hover { color: #fff; }
.footer-legal { padding-top: 24px; }
.footer-legal ul { display: grid; gap: 6px; }
.footer-legal li { position: relative; padding-left: 12px; }
.footer-legal li::before { content: "-"; position: absolute; left: 0; }
.footer-bottom { margin-top: 20px; font-size: 12.5px; color: rgba(255,255,255,0.4); }

@media (max-width: 860px) {
  .footer-top { grid-template-columns: 1fr; gap: 24px; }
}

/* ---------- Sub page hero (guide / faq) ---------- */
.page-hero {
  background:
    radial-gradient(70% 100% at 85% 0%, rgba(232, 135, 30, 0.12), transparent 60%),
    var(--surface-alt);
  color: var(--text);
  padding: 64px 0 56px;
  border-bottom: 1px solid var(--border);
}
.page-hero .eyebrow { color: var(--accent); }
.page-hero h1 { font-size: clamp(28px, 4vw, 40px); font-weight: 800; line-height: 1.35; max-width: 20ch; color: var(--navy); }
.page-hero p { margin-top: 14px; color: var(--text-secondary); max-width: 60ch; line-height: 1.7; }
.breadcrumb { font-size: 13.5px; color: var(--text-secondary); margin-bottom: 16px; display: flex; gap: 6px; align-items: center; }
.breadcrumb a:hover { color: var(--navy); }

/* ---------- Guide page content ---------- */
.guide-toc {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-bottom: 12px;
}
.guide-toc a {
  padding: 9px 16px;
  border-radius: var(--radius-pill);
  border: 1px solid var(--border);
  font-size: 13.5px;
  font-weight: 600;
  color: var(--text-secondary);
}
.guide-toc a:hover { border-color: var(--accent); color: var(--text); }

.guide-article {
  display: grid;
  gap: 64px;
}
.guide-article > section {
  scroll-margin-top: calc(var(--header-h) + 20px);
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 40px;
}
.guide-article > section .g-head h2 { font-size: 22px; font-weight: 800; line-height: 1.4; }
.guide-article > section .g-head .num { color: var(--accent); font-weight: 800; font-size: 14px; display: block; margin-bottom: 8px; }
.guide-article > section .g-body { color: var(--text-secondary); line-height: 1.8; }
.guide-article > section .g-body p + p { margin-top: 14px; }
.g-list { margin-top: 18px; display: grid; gap: 12px; }
.g-list li {
  display: flex; gap: 12px;
  padding: 14px 16px;
  background: var(--surface-alt);
  border-radius: var(--radius-sm);
  font-size: 14.5px;
  color: var(--text);
}
.g-list li svg { width: 18px; height: 18px; color: var(--accent); flex-shrink: 0; margin-top: 1px; }

@media (max-width: 860px) {
  .guide-article > section { grid-template-columns: 1fr; gap: 16px; }
}

/* ---------- FAQ page ---------- */
.faq-filter { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 32px; }
.faq-filter button {
  padding: 9px 16px;
  border-radius: var(--radius-pill);
  border: 1px solid var(--border);
  font-size: 13.5px;
  font-weight: 700;
  color: var(--text-secondary);
}
.faq-filter button[aria-pressed="true"] { background: var(--navy); color: #fff; border-color: var(--navy); }

/* ---------- Utility reveal ---------- */
[data-reveal] { opacity: 0; transform: translateY(16px); transition: opacity 0.5s cubic-bezier(0.16,1,0.3,1), transform 0.5s cubic-bezier(0.16,1,0.3,1); }
[data-reveal].is-visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  [data-reveal] { opacity: 1; transform: none; }
}

/* ---------- Entry layer popup ---------- */
.popup-overlay {
  position: fixed;
  inset: 0;
  z-index: 200;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  background: rgba(15, 22, 38, 0.6);
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.25s ease, visibility 0.25s;
}
.popup-overlay.is-open { opacity: 1; visibility: visible; }

.popup-card {
  position: relative;
  width: 100%;
  max-width: 860px;
  max-height: 90vh;
  overflow-y: auto;
  background: var(--surface);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-navy);
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  transform: translateY(12px) scale(0.98);
  transition: transform 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}
.popup-overlay.is-open .popup-card { transform: none; }
@media (prefers-reduced-motion: reduce) {
  .popup-overlay, .popup-card { transition: none; }
}

.popup-close {
  position: absolute;
  top: 14px;
  right: 14px;
  z-index: 2;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(255, 255, 255, 0.16);
  color: #fff;
}
.popup-close:hover { background: rgba(255, 255, 255, 0.28); }
.popup-close svg { width: 18px; height: 18px; }

.popup-left {
  background: var(--navy);
  color: #fff;
  padding: 40px 32px;
  border-radius: var(--radius-lg) 0 0 var(--radius-lg);
}
.popup-left h3 { font-size: 24px; font-weight: 800; line-height: 1.35; }
.popup-left h3 em { font-style: normal; color: var(--accent); }
.popup-left > p { margin-top: 10px; font-size: 14px; color: rgba(255, 255, 255, 0.72); line-height: 1.6; }
.popup-left .quote-form { margin-top: 22px; padding: 0; background: none; border: none; box-shadow: none; }
.popup-left .field label { color: rgba(255, 255, 255, 0.9); }
.popup-left .consent-row { color: rgba(255, 255, 255, 0.6); }
.popup-left .consent-detail p { background: rgba(255, 255, 255, 0.08); color: rgba(255, 255, 255, 0.7); }
.popup-left .consent-detail summary { color: rgba(255, 255, 255, 0.6); }
.popup-left .form-note { color: rgba(255, 255, 255, 0.5); }
.popup-left .form-success h3 { color: var(--text); }
.popup-left .form-success p { color: var(--text-secondary); }
.popup-left .form-success { background: var(--surface); border-radius: var(--radius-md); padding: 24px; margin-top: 22px; }

.popup-right { padding: 40px 32px; }
.popup-right h4 { font-size: 17px; font-weight: 800; }
.popup-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 16px; }
.popup-stats div {
  background: var(--surface-alt);
  border-radius: var(--radius-sm);
  padding: 14px;
}
.popup-stats span { display: block; font-size: 12.5px; color: var(--text-secondary); margin-bottom: 6px; }
.popup-stats strong { font-size: 15px; color: var(--navy); }
.popup-stats strong em { font-style: normal; color: var(--accent); font-weight: 800; }

.popup-sub { margin-top: 26px; font-size: 14px; font-weight: 700; color: var(--text); }
.popup-logo-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 12px; }
.popup-logo-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 12px;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--surface);
}
.popup-logo-item img { max-height: 18px; max-width: 76px; object-fit: contain; }
.popup-logo-item .fallback-text { display: none; font-size: 12.5px; font-weight: 700; color: var(--text-secondary); }
.popup-logo-item span.result { margin-left: auto; font-size: 12px; font-weight: 700; color: var(--accent); white-space: nowrap; }

.popup-dismiss {
  grid-column: 1 / -1;
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-top: 1px solid var(--border);
  font-size: 13px;
  color: var(--text-secondary);
}
.popup-dismiss input { width: 15px; height: 15px; accent-color: var(--accent); }

@media (max-width: 760px) {
  .popup-card { grid-template-columns: 1fr; }
  .popup-left { border-radius: var(--radius-lg) var(--radius-lg) 0 0; padding: 32px 22px; }
  .popup-right { padding: 28px 22px; }
  .popup-stats { grid-template-columns: 1fr; }
  .popup-dismiss { padding: 14px 22px; }
}