/* 전체 페이지 스타일 */
.loan-page {
  background: #ffffff;
  min-height: 100vh;
  font-family:
    'Pretendard Variable',
    'Pretendard',
    -apple-system,
    BlinkMacSystemFont,
    system-ui,
    sans-serif;
}

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

/* Hero Section - 배너 이미지 배경 */
.loan-hero {
  background: transparent;
  color: white;
  padding: 40px 20px 60px;
  position: relative;
  overflow: hidden;
  min-height: 600px;
}

.hero-content {
  max-width: 1200px;
  margin: 0 auto;
  position: relative;
  z-index: 2;
  display: flex;
  align-items: center;
  min-height: 520px;
  padding: 40px;
}

.hero-image {
  width: 100%;
  height: 100%;
  text-align: center;
}

.hero-image img {
  width: 100%;
  max-width: 1200px;
  height: auto;
  object-fit: contain;
  display: block;
  border-radius: 20px;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.1);
  transition: all 0.3s ease;
}

.hero-image img:hover {
  transform: translateY(-4px);
  box-shadow: 0 6px 24px rgba(0, 0, 0, 0.15);
}

.hero-text h3 {
  font-size: 20px;
  font-weight: 600;
  margin: 32px 0 16px;
  text-align: left;
  opacity: 0.95;
}

.hero-text p {
  font-size: 16px;
  line-height: 1.6;
  margin-bottom: 40px;
  text-align: left;
  opacity: 0.9;
  max-width: 100%;
}

.hero-features {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
  max-width: 400px;
  margin: 40px 0 0 0;
}

.feature-item {
  background: rgba(255, 255, 255, 0.2);
  padding: 16px;
  border-radius: 12px;
  text-align: center;
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.3);
}

.feature-item span {
  font-size: 14px;
  font-weight: 600;
  color: white;
}

/* 소개 섹션 */
.intro-section {
  background: linear-gradient(135deg, #fafbfc 0%, #ffffff 100%);
  padding: 80px 40px 10px;
  text-align: center;
  position: relative;
  border-bottom: 1px solid #f1f5f9;
}

.intro-section::before {
  content: '';
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 80px;
  height: 3px;
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  border-radius: 2px;
}

.intro-container {
  max-width: 900px;
  margin: 0 auto;
  animation: fadeInUp 0.8s ease-out;
  background: transparent;
  padding: 40px 20px;
}

@keyframes fadeInUp {
  from {
    opacity: 0;
    transform: translateY(30px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.intro-container h3 {
  font-size: 36px;
  font-weight: 700;
  color: #191f28;
  margin-bottom: 24px;
  line-height: 1.4;
  letter-spacing: -0.01em;
  position: relative;
}

.intro-container h3 .highlight {
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  position: relative;
}

.intro-container h3 .highlight::after {
  content: '';
  position: absolute;
  bottom: 2px;
  left: 0;
  right: 0;
  height: 8px;
  background: linear-gradient(
    135deg,
    rgba(255, 102, 204, 0.15) 0%,
    rgba(77, 61, 191, 0.15) 100%
  );
  border-radius: 4px;
  z-index: -1;
}

.intro-container p {
  font-size: 20px;
  color: #4e5968;
  line-height: 1.7;
  margin: 0 0 36px;
  font-weight: 400;
  letter-spacing: -0.005em;
}

.intro-features {
  display: flex;
  justify-content: center;
  gap: 32px;
  margin-top: 40px;
  flex-wrap: wrap;
}

.intro-feature {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 16px;
  color: #4e5968;
  font-weight: 500;
  background: linear-gradient(135deg, #fafbfc 0%, #ffffff 100%);
  padding: 12px 20px;
  border-radius: 25px;
  border: 1px solid rgba(255, 102, 204, 0.15);
  transition: all 0.3s ease;
}

.intro-feature:hover {
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  color: white;
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(255, 102, 204, 0.3);
}

.intro-feature::before {
  content: '✓';
  display: flex;
  align-items: center;
  justify-content: center;
  width: 18px;
  height: 18px;
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  color: white;
  border-radius: 50%;
  font-size: 11px;
  font-weight: 700;
  transition: all 0.3s ease;
}

.intro-feature:hover::before {
  background: white;
  color: #ff66cc;
}

/* 문제점 섹션 */
.problems-section {
  background: linear-gradient(135deg, #ffffff 0%, #fafbfc 100%);
  padding: 80px 40px 100px;
  text-align: center;
  position: relative;
  border-top: 1px solid #f1f5f9;
}

.problems-container {
  max-width: 900px;
  margin: 0 auto;
  animation: fadeInUp 0.8s ease-out 0.2s both;
  background: transparent;
  padding: 40px 20px;
}

.problems-container h3 {
  font-size: 36px;
  font-weight: 700;
  color: #191f28;
  margin-bottom: 20px;
  line-height: 1.4;
  letter-spacing: -0.01em;
}

.problems-subtitle {
  font-size: 20px;
  color: #4e5968;
  margin-bottom: 50px;
  font-weight: 400;
  line-height: 1.6;
}

.problems-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  max-width: 700px;
  margin: 0 auto;
}

.problem-item {
  background: transparent;
  padding: 20px 16px;
  border-radius: 12px;
  transition: all 0.35s ease;
  position: relative;
  overflow: hidden;
  border: 1px solid rgba(0, 0, 0, 0.05);
}

.problem-item::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(
    135deg,
    rgba(255, 102, 204, 0.08) 0%,
    rgba(77, 61, 191, 0.08) 100%
  );
  opacity: 0;
  transition: opacity 0.35s ease;
  z-index: 0;
}

.problem-item span {
  font-size: 17px;
  font-weight: 600;
  color: #4e5968;
  transition: all 0.35s ease;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  position: relative;
  z-index: 1;
}

.problem-item span::before {
  font-size: 20px;
  transition: all 0.35s ease;
  display: inline-block;
  margin-right: 5px;
  position: relative;
  z-index: 1;
}

/* problem-item 각각에 다른 아이콘 적용 */
.problem-item:nth-child(1) span::before {
  content: '💰';
}

.problem-item:nth-child(2) span::before {
  content: '💸';
}

.problem-item:nth-child(3) span::before {
  content: '📝';
}

.problem-item:nth-child(4) span::before {
  content: '🔍';
}

/* 말풍선 섹션 */
.thinking-section {
  background: #f8fafc;
  padding: 60px 20px;
  text-align: center;
}

.thinking-bubble {
  max-width: 500px;
  margin: 0 auto;
  position: relative;
}

.bubble-main {
  background: white;
  border-radius: 24px;
  padding: 32px;
  box-shadow: 0 2px 16px rgba(0, 0, 0, 0.06);
  position: relative;
  margin-bottom: 40px;
}

.bubble-main::after {
  content: '';
  position: absolute;
  bottom: -20px;
  left: 50%;
  transform: translateX(-50%);
  width: 0;
  height: 0;
  border-left: 20px solid transparent;
  border-right: 20px solid transparent;
  border-top: 20px solid white;
}

.bubble-title {
  font-size: 18px;
  font-weight: 700;
  color: #1e293b;
  margin-bottom: 20px;
}

.bubble-items {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.bubble-item {
  background: linear-gradient(135deg, #6366f1 0%, #8b5cf6 100%);
  color: white;
  padding: 12px 20px;
  border-radius: 20px;
  font-size: 14px;
  font-weight: 600;
}

/* 특별혜택 우대 금리 조건 섹션 */
.special-benefits-section {
  background: linear-gradient(135deg, #fafbfc 0%, #ffffff 100%);
  padding: 60px 20px 60px;
  text-align: center;
  position: relative;
  border-top: 1px solid #f1f5f9;
}

.benefits-container {
  max-width: 1000px;
  margin: 0 auto;
  position: relative;
}

.benefits-header {
  margin-bottom: 50px;
}

.benefits-header h2 {
  font-size: 36px;
  font-weight: 700;
  color: #191f28;
  margin-bottom: 16px;
  line-height: 1.4;
  letter-spacing: -0.01em;
  position: relative;
}

.benefits-content {
  background: transparent;
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 40px;
  text-align: center;
}

.rate-badge-container {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: center;
  margin-bottom: 20px;
}

.rate-badge {
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  color: white;
  padding: 16px 32px;
  border-radius: 50px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: 18px;
  font-weight: 700;
  position: relative;
  transition: all 0.3s ease;
  white-space: nowrap;
}

.rate-badge:hover {
  /* transform: translateY(-2px); */
  opacity: 0.9;
}

.rate-badge::before {
  content: '🎉';
  font-size: 20px;
  margin-right: 4px;
}

.benefits-list {
  display: flex;
  flex-direction: column;
  gap: 20px;
  text-align: center;
  max-width: 600px;
  width: 100%;
}

.benefit-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 12px;
  padding: 20px 16px;
  background: linear-gradient(145deg, #ffffff, #f0f2ff);
  border-radius: 16px;
  transition: all 0.3s ease;
  text-align: center;
  box-shadow:
    5px 5px 15px rgba(77, 61, 191, 0.05),
    -5px -5px 15px rgba(255, 255, 255, 0.8);
}

.benefit-bullet {
  width: 32px;
  height: 32px;
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  border-radius: 50%;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 12px;
  box-shadow: 0 4px 8px rgba(77, 61, 191, 0.2);
}

.benefit-bullet::before {
  content: '✓';
}

.benefit-text {
  font-size: 20px;
  color: #666;
  font-weight: 500;
  line-height: 1.5;
  text-align: center;
}

@media screen and (max-width: 767px) {
  .benefit-text {
    font-size: 16px;
    line-height: 1.4;
  }

  .benefit-item {
    padding: 16px 12px;
  }

  .benefit-bullet {
    width: 28px;
    height: 28px;
    font-size: 20px;
    margin-bottom: 10px;
  }
}

/* Why Choose Us Section - 강남오빠가 해결합니다 */
.why-choose-us {
  background: linear-gradient(135deg, #ffffff 0%, #fafbfc 100%);
  padding: 80px 40px 100px;
  margin-top: 0px;
  position: relative;
  border-top: 1px solid #f1f5f9;
}

.why-choose-us::before {
  content: '';
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 80px;
  height: 3px;
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  border-radius: 2px;
}

.section-header {
  text-align: center;
  margin-bottom: 60px;
  animation: fadeInUp 0.8s ease-out 0.3s both;
}

.section-header h2 {
  font-size: 36px;
  font-weight: 700;
  margin-bottom: 20px;
  color: #191f28;
  letter-spacing: -0.01em;
  position: relative;
  line-height: 1.4;
}

.section-header h2 .highlight-text {
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.section-header p {
  font-size: 20px;
  color: #4e5968;
  font-weight: 400;
  line-height: 1.7;
}

.benefits-grid {
  max-width: 1000px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 24px;
  background: transparent;
  padding: 40px 20px;
  position: relative;
}

/* 세로선 제거 - 기본 상태에서는 보이지 않음 */
.benefits-grid::before {
  display: none;
}

.benefit-card {
  background: transparent;
  padding: 24px 20px;
  display: flex;
  align-items: center;
  gap: 24px;
  text-align: left;
  transition: all 0.3s ease;
  position: relative;
  overflow: hidden;
  animation: fadeInUp 0.8s ease-out both;
}

.benefit-card:nth-child(1) {
  animation-delay: 0.1s;
}
.benefit-card:nth-child(2) {
  animation-delay: 0.2s;
}
.benefit-card:nth-child(3) {
  animation-delay: 0.3s;
}

.benefit-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  bottom: 0;
  width: 4px;
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  transform: scaleY(0);
  transition: transform 0.3s ease;
  border-radius: 16px 0 0 16px;
}

.benefit-card:hover::before {
  transform: scaleY(1);
}

.benefit-card:hover {
  background: linear-gradient(145deg, #f0f2ff, #ffffff);
  /* transform: translateY(-2px); */
  box-shadow:
    8px 8px 20px rgba(77, 61, 191, 0.08),
    -8px -8px 20px rgba(255, 255, 255, 0.9);
}

.benefit-icon {
  width: 72px;
  height: 72px;
  background: linear-gradient(135deg, #3182f6 0%, #6366f1 100%);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: all 0.3s ease;
  position: relative;
}

.benefit-icon::after {
  content: '';
  position: absolute;
  inset: -3px;
  background: linear-gradient(135deg, #3182f6 0%, #6366f1 100%);
  border-radius: 20px;
  z-index: -1;
  opacity: 0;
  transition: opacity 0.3s ease;
}

.benefit-card:hover .benefit-icon {
  /* transform: scale(1.05); */
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  box-shadow: 0 6px 20px rgba(255, 102, 204, 0.3);
}

.benefit-card:hover .benefit-icon::after {
  opacity: 0.3;
}

.benefit-icon i {
  font-size: 36px;
  color: white;
  transition: all 0.3s ease;
}

.benefit-card:hover .benefit-icon i {
  color: white;
}

.benefit-content {
  flex: 1;
}

.benefit-card h3 {
  font-size: 28px;
  font-weight: 800;
  margin-bottom: 12px;
  color: #191f28;
  letter-spacing: -0.02em;
  transition: all 0.3s ease;
}

.benefit-card:hover h3 {
  color: #191f28;
}

.benefit-card p {
  font-size: 22px;
  line-height: 1.7;
  color: #4e5968;
  font-weight: 400;
  margin: 0;
  transition: all 0.3s ease;
}

.benefit-card:hover p {
  color: #4e5968;
}

/* Loan Info Cards Section */
.loan-info-cards {
  background: white;
  padding: 80px 20px;
  margin-top: 40px;
}

.loan-cards-grid {
  max-width: 1000px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.loan-card {
  background: white;
  border: 1px solid #e2e8f0;
  border-radius: 16px;
  padding: 32px 24px;
  text-align: center;
  transition: all 0.3s ease;
  position: relative;
  overflow: hidden;
}

.loan-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  transform: scaleX(0);
  transition: transform 0.3s ease;
}

.loan-card:hover::before {
  transform: scaleX(1);
}

.loan-card:hover {
  background: linear-gradient(145deg, #f0f2ff, #ffffff);
  /* transform: translateY(-2px); */
  box-shadow:
    8px 8px 20px rgba(77, 61, 191, 0.08),
    -8px -8px 20px rgba(255, 255, 255, 0.9);
}

.loan-card-icon {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, #6366f1 0%, #8b5cf6 100%);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  transition: all 0.3s ease;
}

.loan-card:hover .loan-card-icon {
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  transform: scale(1.1) rotate(5deg);
}

.loan-card-icon i {
  font-size: 24px;
  color: white;
}

.loan-card h3 {
  font-size: 18px;
  font-weight: 700;
  color: #191f28;
  margin-bottom: 12px;
  letter-spacing: -0.01em;
}

.loan-card p {
  font-size: 16px;
  line-height: 1.5;
  color: #4e5968;
  font-weight: 500;
  margin: 0;
}

/* 대출 정보 박스들 */
.loan-info-box {
  background: #f8fafc;
  border: 2px solid #e2e8f0;
  border-radius: 16px;
  padding: 32px;
  margin: 40px 20px;
  max-width: 800px;
  margin-left: auto;
  margin-right: auto;
}

.loan-info-box:first-of-type {
  background: linear-gradient(135deg, #6366f1 0%, #8b5cf6 100%);
  color: white;
  border: none;
}

.loan-info-box:last-of-type {
  background: #fef3c7;
  border-color: #f59e0b;
}

/* 통계 섹션 */
.stats-section {
  background: white;
  padding: 60px 20px;
}

.stats-grid {
  max-width: 800px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}

.stat-item {
  background: linear-gradient(135deg, #6366f1 0%, #8b5cf6 100%);
  color: white;
  padding: 32px 20px;
  border-radius: 16px;
  text-align: center;
  box-shadow: 0 2px 12px rgba(99, 102, 241, 0.15);
}

.stat-number {
  font-size: 32px;
  font-weight: 800;
  margin-bottom: 8px;
}

.stat-label {
  font-size: 14px;
  opacity: 0.9;
}

/* Loan Products Section */
.loan-products {
  padding: 80px 40px 100px;
  border-top: 1px solid #e2e8f0;
}

.loan-products .section-header {
  color: #1e293b;
}

.loan-products .section-header h2 {
  color: #1e293b;
}

.loan-products .section-header p {
  color: #64748b;
}

.process-grid {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px;
  position: relative;
}

.process-grid::before {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 2px;
  height: 100%;
  z-index: 1;
}

.process-grid::after {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 100%;
  height: 2px;
  z-index: 1;
}

.process-card {
  background: #fcf9ff;
  border-radius: 24px;
  padding: 48px 40px;
  text-align: center;
  position: relative;
  z-index: 2;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
  transition: all 0.3s ease;
  border: 2px solid #e2e8f0;
}

.process-card:hover {
  background: #f8f9ff;
  /* transform: translateY(-2px); */
  box-shadow: 0 8px 20px rgba(77, 61, 191, 0.08);
}

.process-icon {
  width: 80px;
  height: 80px;
  background: linear-gradient(135deg, #3182f6 0%, #6366f1 100%);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  box-shadow: 0 4px 16px rgba(49, 130, 246, 0.2);
  transition: all 0.3s ease;
}

.process-card:hover .process-icon {
  /* transform: scale(1.05); */
  box-shadow: 0 6px 20px rgba(49, 130, 246, 0.3);
}

.process-icon i {
  font-size: 32px;
  color: white;
}

.process-number {
  font-size: 24px;
  font-weight: 900;
  color: #3182f6;
  margin-bottom: 16px;
  letter-spacing: -0.02em;
}

.process-title {
  font-size: 22px;
  font-weight: 800;
  color: #191f28;
  margin-bottom: 12px;
  line-height: 1.3;
  letter-spacing: -0.01em;
}

.process-desc {
  font-size: 18px;
  color: #4e5968;
  line-height: 1.6;
  font-weight: 400;
}

/* Application Form Section */
.application-form {
  background: linear-gradient(135deg, #6366f1 0%, #4d3dbf 100%);
  padding: 60px 20px;
  margin: 60px 0;
  border-radius: 24px;
  position: relative;
  overflow: hidden;
}

.application-form::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background:
    radial-gradient(
      circle at 30% 30%,
      rgba(255, 255, 255, 0.1) 0%,
      transparent 50%
    ),
    radial-gradient(
      circle at 70% 70%,
      rgba(255, 255, 255, 0.1) 0%,
      transparent 50%
    );
  pointer-events: none;
}

.form-container {
  max-width: 800px;
  margin: 0 auto;
  position: relative;
  z-index: 2;
}

.form-header {
  text-align: center;
  margin-bottom: 40px;
}

.form-header h2 {
  font-size: 36px;
  font-weight: 700;
  color: #ffffff;
  margin-bottom: 16px;
  letter-spacing: -0.02em;
}

.form-header p {
  font-size: 18px;
  color: rgba(255, 255, 255, 0.9);
  font-weight: 400;
}

.loan-form {
  backdrop-filter: blur(10px);
  border-radius: 20px;
  padding: 40px;
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.1);
}

.form-row {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-bottom: 24px;
}

.form-group {
  display: flex;
  flex-direction: column;
}

.form-group label {
  font-size: 16px;
  font-weight: 600;
  color: #fff;
  margin-bottom: 12px;
}

.form-group input {
  width: 100%;
  padding: 16px 20px;
  background: rgba(255, 255, 255, 0.95);
  border: 2px solid transparent;
  border-radius: 12px;
  font-size: 16px;
  color: #333333;
  transition: all 0.3s ease;
}

.form-group input:focus {
  outline: none;
  border-color: #ffffff;
  background: #ffffff;
  box-shadow: 0 0 0 4px rgba(255, 255, 255, 0.2);
}

.form-group input::placeholder {
  color: #94a3b8;
}

.form-agreements {
  margin: 32px 0;
  border-radius: 16px;
  backdrop-filter: blur(10px);
}

.checkbox-label {
  display: flex;
  align-items: flex-start;
  margin-bottom: 16px;
  cursor: pointer;
  padding: 8px 2px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.checkbox-label:last-child {
  margin-bottom: 0;
  border-bottom: none;
}

.checkbox-label input[type='checkbox'] {
  width: 20px;
  height: 20px;
  margin-right: 12px;
  margin-top: 2px;
  accent-color: #ffffff;
  background: rgba(255, 255, 255, 0.1);
  border: 2px solid rgba(255, 255, 255, 0.3);
  border-radius: 4px;
}

.checkbox-label .label-text {
  color: #333333; /* 어두운 배경에서 흰색, 흰색 배경에서 어두운 색 */
  line-height: 1.5;
  flex: 1;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 4px;
}

/* 어두운 배경의 폼에서만 흰색 텍스트 적용 */
.application-form .checkbox-label .label-text,
.consultation-section .checkbox-label .label-text {
  color: #ffffff;
}

.checkbox-label .link {
  color: #4d3dbf; /* 어두운 배경에서 흰색, 흰색 배경에서 브랜드 색상 */
  text-decoration: underline;
  font-weight: 500;
  margin-left: 4px;
  padding: 2px 6px;
  background: rgba(77, 61, 191, 0.1);
  border-radius: 4px;
  transition: all 0.3s ease;
}

/* 어두운 배경의 폼에서만 흰색 링크 적용 */
.application-form .checkbox-label .link,
.consultation-section .checkbox-label .link {
  color: #ffffff;
  background: rgba(255, 255, 255, 0.1);
}

.checkbox-label .link:hover {
  background: rgba(77, 61, 191, 0.2);
}

/* 어두운 배경의 폼에서만 흰색 호버 효과 적용 */
.application-form .checkbox-label .link:hover,
.consultation-section .checkbox-label .link:hover {
  background: rgba(255, 255, 255, 0.2);
}

.submit-btn {
  width: 100%;
  padding: 18px;
  background: #ffffff;
  color: #4d3dbf;
  border: none;
  border-radius: 12px;
  font-size: 18px;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.3s ease;
  margin-top: 24px;
}

.submit-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
}

/* 태블릿 반응형 (768px 이하) */
@media (max-width: 768px) {
  .application-form {
    padding: 40px 20px;
    margin: 40px 0;
    border-radius: 20px;
  }

  .form-header h2 {
    font-size: 28px;
  }

  .form-header p {
    font-size: 16px;
  }

  .loan-form {
    padding: 30px 20px;
  }

  .form-row {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .form-agreements {
    margin: 24px 0;
  }

  .checkbox-label {
    padding: 6px 0;
    justify-content: flex-start;
    text-align: left;
  }

  .checkbox-label .label-text {
    font-size: 14px;
  }

  .submit-btn {
    padding: 16px;
    font-size: 16px;
  }
}

/* 모바일 반응형 (480px 이하) */
@media (max-width: 480px) {
  .application-form {
    padding: 30px 16px;
    margin: 30px 0;
    border-radius: 16px;
  }

  .form-header h2 {
    font-size: 24px;
  }

  .form-header p {
    font-size: 15px;
  }

  .loan-form {
    padding: 24px 16px;
  }

  .form-group label {
    font-size: 15px;
  }

  .form-group input {
    padding: 14px 16px;
    font-size: 15px;
  }

  .form-agreements {
    margin: 20px 0;
    padding: 16px;
  }

  .checkbox-label {
    margin-bottom: 12px;
    padding: 4px 0;
  }

  .checkbox-label input[type='checkbox'] {
    width: 18px;
    height: 18px;
  }

  .checkbox-label .label-text {
    font-size: 13px;
  }

  .checkbox-label .link {
    font-size: 12px;
    padding: 1px 4px;
    color: #ffffff;
    text-decoration: underline;
    font-weight: 500;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 4px;
    transition: all 0.3s ease;
  }

  .checkbox-label .link:hover {
    background: rgba(255, 255, 255, 0.2);
  }

  .submit-btn {
    padding: 14px;
    font-size: 15px;
  }
}

/* 혜택 섹션 */
.benefits-section {
  background: white;
  padding: 80px 20px;
}

.benefits-section .section-header {
  color: #1e293b;
}

.benefits-section .section-header h2 {
  color: #1e293b;
}

.benefits-section .section-header p {
  color: #64748b;
}

.benefits-icons {
  max-width: 600px;
  margin: 40px auto 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}

.benefit-icon-item {
  text-align: center;
}

.benefit-icon-item .icon-circle {
  width: 80px;
  height: 80px;
  background: linear-gradient(135deg, #6366f1 0%, #8b5cf6 100%);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  box-shadow: 0 8px 24px rgba(99, 102, 241, 0.3);
  transition: transform 0.3s ease;
}

.benefit-icon-item .icon-circle i {
  font-size: 32px;
  color: white;
}

.benefit-icon-item span {
  font-size: 16px;
  font-weight: 600;
  color: #1e293b;
}

/* FAQ Section */
.faq-section {
  background: #f8fafc;
  padding: 80px 20px;
}

.faq-section .section-header {
  color: #1e293b;
}

.faq-section .section-header h2 {
  color: #1e293b;
}

.faq-section .section-header p {
  color: #64748b;
}

.faq-list {
  max-width: 800px;
  margin: 0 auto;
}

.faq-item {
  background: white;
  border-radius: 16px;
  margin-bottom: 16px;
  overflow: hidden;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.1);
  transition: all 0.3s ease;
}

.faq-item.active {
  box-shadow: 0 8px 24px rgba(99, 102, 241, 0.2);
}

.faq-question {
  padding: 24px;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: all 0.3s ease;
}

.faq-question h3 {
  font-size: 18px;
  font-weight: 600;
  color: #1e293b;
  margin: 0;
  flex: 1;
}

.faq-question i {
  color: #6366f1;
  transition: transform 0.3s ease;
  margin-left: 16px;
  font-size: 18px;
}

.faq-item.active .faq-question i {
  transform: rotate(180deg);
}

.faq-answer {
  padding: 0 24px 24px;
  display: none;
}

.faq-answer p {
  font-size: 16px;
  color: #64748b;
  line-height: 1.6;
  margin: 0;
}

/* 데스크톱 반응형 (1024px 이상) */
@media (min-width: 1024px) {
  .hero-text h1 {
    font-size: 42px;
  }

  .section-header h2 {
    font-size: 36px;
  }

  .benefits-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .loan-cards-grid {
    grid-template-columns: repeat(4, 1fr);
  }

  .hero-features {
    grid-template-columns: repeat(4, 1fr);
    max-width: 600px;
  }

  .stats-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

/* 태블릿 반응형 (768px ~ 1024px) */
@media (min-width: 768px) and (max-width: 1024px) {
  .loan-hero {
    min-height: 500px;
  }

  .hero-content {
    min-height: 420px;
    max-width: 1000px;
    padding: 30px;
  }

  .hero-image img {
    height: auto;
    max-width: 900px;
  }

  .intro-section {
    padding: 60px 30px 80px;
  }

  .intro-container {
    padding: 50px 60px;
  }

  .intro-container h3 {
    font-size: 32px;
  }

  .intro-container p {
    font-size: 18px;
    margin-bottom: 32px;
  }

  .intro-features {
    gap: 24px;
  }

  .intro-feature {
    font-size: 15px;
    padding: 10px 18px;
  }

  .problems-section {
    padding: 60px 30px 80px;
  }

  .problems-container {
    padding: 50px 60px;
  }

  .problems-container h3 {
    font-size: 32px;
  }

  .problems-subtitle {
    font-size: 18px;
    margin-bottom: 40px;
  }

  .problems-grid {
    max-width: 600px;
    gap: 20px;
  }

  .problem-item {
    padding: 24px 20px;
  }

  .problem-item span {
    font-size: 16px;
  }

  .special-benefits-section {
    padding: 60px 30px 80px;
  }

  .benefits-content {
    padding: 40px 30px;
    gap: 35px;
  }

  .rate-badge {
    padding: 16px 28px;
    font-size: 17px;
  }

  .benefit-text {
    font-size: 18px;
  }

  .why-choose-us {
    padding: 60px 30px 80px;
    margin-top: 0px;
  }

  .why-choose-us::before {
    width: 70px;
  }

  .section-header {
    margin-bottom: 50px;
  }

  .section-header h2 {
    font-size: 32px;
    margin-bottom: 16px;
  }

  .section-header p {
    font-size: 18px;
  }

  .benefits-grid {
    padding: 50px 60px;
  }

  .benefits-grid::before {
    left: 80px;
    top: 80px;
    bottom: 80px;
  }

  .benefit-card {
    padding: 28px 32px;
    gap: 24px;
  }

  .benefit-icon {
    width: 68px;
    height: 68px;
    border-radius: 17px;
  }

  .benefit-icon i {
    font-size: 26px;
  }

  .benefit-card h3 {
    font-size: 22px;
  }

  .benefit-card p {
    font-size: 19px;
  }

  .benefits-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .loan-cards-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .form-container {
    padding: 60px 80px;
  }

  .form-header h2 {
    font-size: 32px;
  }

  .form-header p {
    font-size: 18px;
  }

  .loan-products {
    padding: 60px 30px 80px;
  }

  .process-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
  }

  .process-card {
    padding: 36px 28px;
  }

  .process-icon {
    width: 70px;
    height: 70px;
  }

  .process-icon i {
    font-size: 28px;
  }

  .process-number {
    font-size: 22px;
  }

  .process-title {
    font-size: 20px;
  }

  .process-desc {
    font-size: 16px;
  }
}

/* 모바일 반응형 (768px 미만) */
@media (max-width: 767px) {
  .loan-hero {
    padding: 20px 16px 10px;
    min-height: auto;
  }

  .hero-content {
    flex-direction: column;
    text-align: center;
    min-height: auto;
    align-items: center;
    padding: 20px;
  }

  .hero-image {
    width: 100%;
    text-align: center;
  }

  .hero-image img {
    width: 100%;
    height: auto;
    object-fit: contain;
    border-radius: 16px;
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.1);
  }

  .hero-features {
    margin: 40px auto 0;
  }

  .intro-section {
    padding: 50px 20px 60px;
  }

  .intro-container {
    padding: 40px 10px;
    box-shadow: 0 2px 16px rgba(255, 102, 204, 0.1);
  }

  .intro-container h3 {
    font-size: 28px;
    margin-bottom: 20px;
  }

  .intro-container p {
    font-size: 17px;
    margin-bottom: 28px;
  }

  .intro-features {
    gap: 16px;
    margin-top: 32px;
    flex-direction: column;
  }

  .intro-feature {
    font-size: 14px;
    padding: 10px 16px;
    justify-content: center;
  }

  .intro-feature::before {
    width: 16px;
    height: 16px;
    font-size: 10px;
  }

  .problems-section {
    padding: 50px 20px 60px;
  }

  .problems-container {
    box-shadow: 0 2px 16px rgba(77, 61, 191, 0.1);
  }

  .problems-container h3 {
    font-size: 28px;
    margin-bottom: 16px;
  }

  .problems-subtitle {
    font-size: 17px;
    margin-bottom: 36px;
  }

  .problems-grid {
    grid-template-columns: 1fr;
    gap: 16px;
    max-width: 100%;
  }

  .problem-item {
    padding: 20px 16px;
    box-shadow: 0 1px 8px rgba(77, 61, 191, 0.06);
    border-radius: 12px;
  }

  .problem-item span {
    font-size: 16px;
    line-height: 1.5;
    gap: 8px;
    text-align: center;
    justify-content: center;
    word-break: keep-all;
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
    padding: 0 8px;
  }

  .problem-item span::before {
    font-size: 20px;
    margin-right: 6px;
    flex-shrink: 0;
  }

  /* 모바일에서는 기본 상태에서 약간의 배경색 적용 */
  .problem-item::before {
    opacity: 0.05;
  }

  /* 홀수/짝수 아이템에 미묘한 배경색 차이 주기 */
  .problem-item:nth-child(odd)::before {
    background: linear-gradient(
      135deg,
      rgba(255, 102, 204, 0.1) 0%,
      rgba(255, 102, 204, 0.05) 100%
    );
  }

  .problem-item:nth-child(even)::before {
    background: linear-gradient(
      135deg,
      rgba(77, 61, 191, 0.05) 0%,
      rgba(77, 61, 191, 0.1) 100%
    );
  }

  /* 활성화된 상태(터치 후)의 스타일 */
  .problem-item:active {
    transform: translateY(-1px);
    box-shadow: 0 2px 8px rgba(77, 61, 191, 0.1);
  }

  .problem-item:active::before {
    opacity: 0.15;
  }

  .problem-item:active span {
    background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    font-weight: 700;
  }

  .why-choose-us {
    padding: 50px 20px 60px;
    margin-top: 0px;
  }

  .why-choose-us::before {
    width: 60px;
    height: 2px;
  }

  .section-header {
    margin-bottom: 40px;
  }

  .section-header h2 {
    font-size: 28px;
    margin-bottom: 16px;
  }

  .section-header p {
    font-size: 17px;
  }

  .benefits-grid {
    padding: 40px 20px;
    border-radius: 16px;
    box-shadow: 0 2px 16px rgba(255, 102, 204, 0.1);
  }

  .benefits-grid::before {
    display: none;
  }

  .benefit-card {
    padding: 24px 20px;
    gap: 20px;
    flex-direction: column;
    text-align: center;
    box-shadow: 0 1px 8px rgba(255, 102, 204, 0.08);
  }

  .benefit-icon {
    width: 68px;
    height: 68px;
    border-radius: 15px;
    box-shadow: 0 4px 16px rgba(255, 102, 204, 0.2);
  }

  .benefit-icon i {
    font-size: 28px;
  }

  .benefit-card h3 {
    font-size: 20px;
    margin-bottom: 8px;
  }

  .benefit-card p {
    font-size: 16px;
  }

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

  .loan-info-cards {
    margin-top: 0px;
    padding: 50px 20px 60px;
  }

  .loan-cards-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .loan-card {
    padding: 24px 20px;
  }

  .loan-card-icon {
    width: 56px;
    height: 56px;
    border-radius: 14px;
  }

  .loan-card-icon i {
    font-size: 20px;
  }

  .loan-card h3 {
    font-size: 16px;
  }

  .loan-card p {
    font-size: 15px;
  }

  .hero-features {
    grid-template-columns: 1fr;
    gap: 12px;
  }

  .stats-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .benefits-icons {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .form-header h2 {
    font-size: 28px;
    margin-bottom: 16px;
  }

  .form-header p {
    font-size: 17px;
  }

  .form-group label {
    font-size: 16px;
  }

  .form-group input {
    font-size: 16px;
    padding: 18px 20px;
  }

  .loan-products {
    padding: 50px 20px 60px;
  }

  .process-grid {
    grid-template-columns: 1fr;
    gap: 20px;
    max-width: 100%;
  }

  .process-grid::before,
  .process-grid::after {
    display: none;
  }

  .process-card {
    padding: 32px 10px;
    border-radius: 16px;
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
  }

  .process-icon {
    width: 60px;
    height: 60px;
    margin-bottom: 20px;
    box-shadow: 0 4px 16px rgba(49, 130, 246, 0.2);
  }

  .process-icon i {
    font-size: 24px;
  }

  .process-number {
    font-size: 20px;
    margin-bottom: 12px;
  }

  .process-title {
    font-size: 18px;
    margin-bottom: 8px;
  }

  .process-desc {
    font-size: 15px;
  }

  .loan-info-box {
    margin: 20px 16px;
    padding: 24px;
  }
}

/* 모달 팝업 스타일 */
.cm-modal-popup-fixed {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-color: rgba(0, 0, 0, 0.6);
  z-index: 9999;
  display: none;
  align-items: center;
  justify-content: center;
  opacity: 0;
  visibility: hidden;
  transition: all 0.3s ease;
}

.cm-modal-popup-fixed.active {
  display: flex;
  opacity: 1;
  visibility: visible;
}

.cm-modal-popup-wrap {
  width: 90%;
  max-width: 400px;
  max-height: 90vh;
  overflow-y: auto;
}

.cm-modal-popup {
  background-color: #fff;
  border-radius: 16px;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.15);
  overflow: hidden;
  transform: scale(0.9) translateY(20px);
  transition: all 0.3s ease;
}

.cm-modal-popup-fixed.active .cm-modal-popup {
  transform: scale(1) translateY(0);
}

.cm-modal-header {
  position: relative;
  padding: 20px;
  background: linear-gradient(135deg, #6366f1 0%, #8b5cf6 100%);
  color: #fff;
}

.cm-modal-header h4 {
  font-size: 18px;
  font-weight: 600;
  margin: 0;
}

.modal-close-btn {
  position: absolute;
  top: 50%;
  right: 20px;
  transform: translateY(-50%);
  color: #fff;
  font-size: 20px;
  cursor: pointer;
  text-decoration: none;
}

.cm-modal-body {
  padding: 24px;
}

/* 상담 폼 스타일 */
.loan-consult-form .form-group {
  margin-bottom: 16px;
}

.loan-consult-form label {
  display: block;
  margin-bottom: 8px;
  font-size: 14px;
  font-weight: 600;
  color: #333;
}

.loan-consult-form input[type='text'],
.loan-consult-form input[type='tel'],
.loan-consult-form select,
.loan-consult-form textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid #e2e8f0;
  border-radius: 8px;
  font-size: 14px;
  color: #333;
  box-sizing: border-box;
}

.loan-consult-form textarea {
  resize: vertical;
  min-height: 80px;
}

.loan-consult-form .agreement {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  margin-bottom: 12px;
}

.loan-consult-form .agreement input[type='checkbox'] {
  margin-right: 8px;
}

.loan-consult-form .terms-link {
  margin-left: 8px;
  color: #6366f1;
  font-size: 12px;
}

.loan-consult-form .form-submit {
  text-align: center;
  margin-top: 24px;
}

.loan-consult-form .submit-btn {
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  color: #fff;
  border: none;
  border-radius: 8px;
  padding: 14px 32px;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: transform 0.2s;
}

.loan-consult-form .submit-btn:hover {
  transform: translateY(-2px);
}

/* loan-1.html 랜딩 페이지 스타일 */
.loan-landing {
  background: #ffffff;
  min-height: 100vh;
}

/* 메인 타이틀 섹션 */
.loan-main-title {
  color: #191f28;
  padding: 80px 40px 100px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.loan-main-title::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background:
    radial-gradient(
      circle at 30% 30%,
      rgba(255, 102, 204, 0.08) 0%,
      transparent 50%
    ),
    radial-gradient(
      circle at 70% 70%,
      rgba(77, 61, 191, 0.08) 0%,
      transparent 50%
    );
  z-index: 1;
  pointer-events: none;
}

/* 로고 컨테이너 스타일 */
.loan-main-title .logo-container {
  margin-bottom: 40px;
  display: flex;
  justify-content: center;
  align-items: center;
  position: relative;
  z-index: 2;
}

.loan-main-title .section-logo {
  max-width: 200px;
  height: auto;
  object-fit: contain;
  transition: all 0.3s ease;
  filter: drop-shadow(0 4px 8px rgba(0, 0, 0, 0.1));
}

.loan-main-title h1 {
  font-size: 42px;
  font-weight: 700;
  line-height: 1.3;
  margin-bottom: 32px;
  position: relative;
  z-index: 2;
  letter-spacing: -0.02em;
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.title-description {
  max-width: 800px;
  margin: 0 auto;
  position: relative;
  z-index: 2;
}

.title-description p {
  font-size: 1.3rem;
  line-height: 1.7;
  margin-bottom: 16px;
  opacity: 0.95;
}

.title-description strong {
  font-weight: 600;
  color: #ff66cc;
  font-size: 1.5rem;
}

/* 강남오빠는 무엇인가요? 섹션 */
.what-is-section {
  background: #ffffff;
  padding: 100px 40px;
  text-align: center;
  position: relative;
}

.question-mark {
  display: inline-flex;
  width: 80px;
  height: 80px;
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  border-radius: 50%;
  margin: 0 auto 32px;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 32px rgba(255, 102, 204, 0.3);
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0% {
    transform: scale(1);
    box-shadow: 0 8px 32px rgba(255, 102, 204, 0.3);
  }
  50% {
    transform: scale(1.05);
    box-shadow: 0 12px 40px rgba(255, 102, 204, 0.4);
  }
  100% {
    transform: scale(1);
    box-shadow: 0 8px 32px rgba(255, 102, 204, 0.3);
  }
}

.question-mark span {
  font-size: 36px;
  font-weight: 700;
  color: white;
}

.what-is-section h2 {
  font-size: 36px;
  font-weight: 700;
  color: #191f28;
  margin-bottom: 48px;
  line-height: 1.4;
}

.ai-image-placeholder {
  width: 300px;
  height: 200px;
  background: linear-gradient(135deg, #e3f2fd 0%, #bbdefb 100%);
  border-radius: 16px;
  margin: 48px auto;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px dashed #90caf9;
  color: #1976d2;
  font-weight: 600;
  font-size: 16px;
  text-align: center;
  line-height: 1.4;
  transition: all 0.3s ease;
}

.what-is-content {
  max-width: 900px;
  margin: 0 auto;
}

.what-is-content h3 {
  font-size: 28px;
  font-weight: 600;
  color: #191f28;
  margin-bottom: 32px;
  line-height: 1.4;
}

.content-points p {
  font-size: 1.3rem;
  line-height: 1.8;
  color: #4e5968;
  text-align: center;
  margin-bottom: 0;
}

/* 이런 이유로 망설이고 계신가요? 섹션 */
.hesitation-section {
  background: #ffffff;
  padding: 100px 40px;
  text-align: center;
  position: relative;
}

.warning-icon {
  display: inline-flex;
  width: 80px;
  height: 80px;
  margin-bottom: 20px;
  background: linear-gradient(135deg, #ff9800 0%, #f57c00 100%);
  border-radius: 50%;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 32px rgba(255, 152, 0, 0.3);
}

.warning-icon span {
  font-size: 36px;
}

.hesitation-section h2 {
  font-size: 36px;
  font-weight: 700;
  color: #191f28;
  margin-bottom: 48px;
  line-height: 1.4;
}

.hesitation-section p {
  font-size: 1.25rem;
  line-height: 1.6;
  color: #4e5968;
  margin-bottom: 24px;
  padding: 20px 32px;
  background: white;
  border-radius: 12px;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.08);
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
  margin-bottom: 16px;
  position: relative;
  transition: all 0.3s ease;
}

.hesitation-section p::before {
  content: '\f00d';
  font-family: 'Font Awesome 6 Free';
  font-weight: 900;
  position: absolute;
  left: 16px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 18px;
  color: #ff6b6b;
}

.hesitation-section p {
  padding-left: 60px;
}

/* 고민을 줄이는 강남오빠의 솔루션 섹션 */
.solution-section {
  background: #ffffff;
  padding: 100px 40px;
  text-align: center;
  position: relative;
}

.lightbulb-icon {
  display: inline-flex;
  width: 80px;
  height: 80px;
  background: linear-gradient(135deg, #4caf50 0%, #2e7d32 100%);
  border-radius: 50%;
  margin: 0 auto 32px;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 32px rgba(76, 175, 80, 0.3);
}

.lightbulb-icon span {
  font-size: 36px;
}

.solution-section h2 {
  font-size: 36px;
  font-weight: 700;
  color: #191f28;
  margin-bottom: 48px;
  line-height: 1.4;
}

.solution-points p {
  font-size: 1.25rem;
  line-height: 1.6;
  color: #4e5968;
  margin-bottom: 24px;
  padding: 20px 32px;
  background: white;
  border-radius: 12px;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.08);
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
  margin-bottom: 16px;
  position: relative;
  transition: all 0.3s ease;
}
.solution-points p::before {
  content: '\f00c';
  font-family: 'Font Awesome 6 Free';
  font-weight: 900;
  position: absolute;
  left: 16px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1.25rem;
  color: #4caf50;
}

.solution-points p {
  padding-left: 60px;
}

/* 예쁜 외모, 자금과 전략 섹션 */
.strategy-section {
  color: #191f28;
  padding: 100px 40px;
  text-align: center;
  position: relative;
  border-radius: 20px;
  margin: 40px;
}

.strategy-image {
  margin-bottom: 40px;
  position: relative;
  z-index: 2;
}

.strategy-image img {
  max-width: 100%;
  height: auto;
  max-height: 300px;
  transition: all 0.3s ease;
}

.strategy-section h2 {
  font-size: 42px;
  font-weight: 700;
  line-height: 1.3;
  position: relative;
  z-index: 2;
  letter-spacing: -0.02em;
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* 상담 신청 섹션 */
.consultation-section {
  padding: 100px 40px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.consultation-section::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background:
    radial-gradient(
      circle at 30% 30%,
      rgba(255, 102, 204, 0.08) 0%,
      transparent 50%
    ),
    radial-gradient(
      circle at 70% 70%,
      rgba(77, 61, 191, 0.08) 0%,
      transparent 50%
    );
  z-index: 1;
  pointer-events: none;
}

.consultation-header h2 {
  font-size: 36px;
  font-weight: 700;
  color: #191f28;
  margin-bottom: 48px;
  line-height: 1.4;
  position: relative;
  z-index: 2;
}

.consultation-form {
  max-width: 800px;
  margin: 0 auto;
  position: relative;
  z-index: 2;
}

.consultation-form .form-row {
  display: grid;
  grid-template-columns: 1fr 1fr 200px;
  gap: 16px;
  align-items: end;
}

.consultation-form .form-group {
  margin-bottom: 0;
}

.consultation-form .form-group label{
  font-size: 16px;
  font-weight: 600;
  color: #333;
  margin-top: 12px;
  margin-bottom: 12px;
}

.consultation-form input {
  width: 100%;
  padding: 16px 20px;
  border: 2px solid #e2e8f0;
  border-radius: 12px;
  font-size: 16px;
  transition: all 0.3s ease;
  background: #fafbfc;
}

.consultation-form input:focus {
  outline: none;
  border-color: #667eea;
  background: white;
  box-shadow: 0 0 0 3px rgba(102, 126, 234, 0.1);
}

.consultation-form .submit-btn {
  width: 100%;
  height: 56px;
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  color: white;
  border: none;
  border-radius: 12px;
  font-size: 16px;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.3s ease;
  box-shadow: 0 4px 16px rgba(102, 126, 234, 0.3);
}

.consultation-form .submit-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(102, 126, 234, 0.4);
}

/* 반응형 디자인 */
@media (max-width: 768px) {
  .loan-main-title {
    padding: 60px 20px 80px;
  }

  .loan-main-title .logo-container {
    margin-bottom: 30px;
  }

  .loan-main-title .section-logo {
    max-width: 150px;
  }

  .loan-main-title h1 {
    font-size: 28px;
    margin-bottom: 24px;
  }

  .title-description p {
    font-size: 16px;
  }

  .what-is-section,
  .hesitation-section,
  .solution-section,
  .consultation-section {
    padding: 60px 20px;
  }

  .strategy-section {
    padding: 60px 20px;
    margin: 20px;
  }

  .what-is-section h2,
  .hesitation-section h2,
  .solution-section h2 {
    font-size: 28px;
    margin-bottom: 32px;
  }

  .strategy-section h2 {
    font-size: 32px;
  }

  .consultation-header h2 {
    font-size: 28px;
    margin-bottom: 32px;
  }

  .what-is-content h3 {
    font-size: 24px;
    margin-bottom: 24px;
  }

  .content-points p {
    font-size: 16px;
  }

  .hesitation-section p,
  .solution-points p {
    font-size: 16px;
    padding: 16px 24px;
    padding-left: 50px;
  }

  .hesitation-section p::before,
  .solution-points p::before {
    left: 12px;
    font-size: 16px;
  }

  .ai-image-placeholder {
    width: 250px;
    height: 160px;
    margin: 32px auto;
    font-size: 14px;
  }

  .consultation-form .form-row {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .question-mark,
  .warning-icon,
  .lightbulb-icon {
    width: 60px;
    height: 60px;
    margin: 0 auto 24px;
  }

  .question-mark span,
  .warning-icon span,
  .lightbulb-icon span {
    font-size: 28px;
  }
}

@media (max-width: 480px) {
  .what-is-section h2,
  .hesitation-section h2,
  .solution-section h2,
  .consultation-header h2 {
    font-size: 24px;
  }

  .strategy-section h2 {
    font-size: 28px;
  }

  .what-is-content h3 {
    font-size: 20px;
  }
}

/* 스크롤 애니메이션 효과 */
.loan-landing section {
  opacity: 0;
  transform: translateY(30px);
  transition: all 0.8s ease-out;
}

.loan-landing section.animate-in {
  opacity: 1;
  transform: translateY(0);
}

/* 입력 필드 포커스 효과 */
.consultation-form .form-group.focused input {
  border-color: #667eea;
  background: white;
  box-shadow: 0 0 0 3px rgba(102, 126, 234, 0.1);
}

/* 버튼 비활성화 상태 */
.consultation-form .submit-btn:disabled {
  opacity: 0.7;
  cursor: not-allowed;
  transform: none;
}

.consultation-form .submit-btn:disabled:hover {
  transform: none;
  box-shadow: 0 4px 16px rgba(102, 126, 234, 0.3);
}

/* 추가 호버 효과 */
.what-is-content {
  transition: all 0.3s ease;
}

/* 섹션별 지연 애니메이션 */
.loan-landing .loan-main-title {
  animation-delay: 0s;
}

.loan-landing .what-is-section {
  animation-delay: 0.2s;
}

.loan-landing .hesitation-section {
  animation-delay: 0.4s;
}

.loan-landing .solution-section {
  animation-delay: 0.6s;
}

.loan-landing .strategy-section {
  animation-delay: 0.8s;
}

.loan-landing .consultation-section {
  animation-delay: 1s;
}

/* 모바일 반응형 스타일 */
@media screen and (max-width: 768px) {
  /* 컨테이너 패딩 조정 */
  .container {
    padding: 0 15px;
  }

  /* 한글 텍스트 가독성 개선을 위한 공통 스타일 */
  .loan-consultant-page p,
  .loan-consultant-page h2,
  .loan-consultant-page h3,
  .loan-consultant-page span,
  p,
  h1,
  h2,
  h3,
  h4,
  span,
  label,
  a {
    word-break: keep-all;
    overflow-wrap: break-word;
    letter-spacing: -0.02em;
    text-rendering: optimizeLegibility;
  }

  /* 소개 섹션 텍스트 조정 */
  .intro-section p {
    font-size: 14px;
    line-height: 1.7;
    text-align: center;
    padding: 0 10px;
  }

  .intro-section h3 {
    font-size: 20px;
    line-height: 1.4;
    text-align: center;
  }

  /* 섹션 헤더 텍스트 조정 */
  .section-header h2 {
    font-size: 22px;
    line-height: 1.4;
  }

  .section-header p {
    font-size: 15px;
    line-height: 1.5;
  }

  /* 혜택 카드 내부 텍스트 조정 */
  .benefit-content h3 {
    font-size: 16px;
    margin-bottom: 8px;
  }

  .benefit-content p {
    font-size: 14px;
    line-height: 1.5;
  }

  /* 혜택 리스트 텍스트 조정 */
  .benefit-text {
    font-size: 14px;
    line-height: 1.5;
    padding-right: 5px;
  }

  /* 프로세스 카드 텍스트 조정 */
  .process-title {
    font-size: 16px;
    margin-bottom: 5px;
  }

  .process-desc {
    font-size: 14px;
    line-height: 1.4;
  }

  /* 문제점 섹션 아이템 조정 */
  .problem-item {
    padding: 14px 10px;
    border: 1px solid rgba(0, 0, 0, 0.07);
  }

  .problem-item span {
    font-size: 14px;
    line-height: 1.4;
    gap: 6px;
    text-align: center;
    justify-content: center;
  }

  .problem-item span::before {
    font-size: 18px;
    margin-right: 4px;
  }

  /* 모바일에서는 기본 상태에서 약간의 배경색 적용 */
  .problem-item::before {
    opacity: 0.05; /* 기본 상태에서도 약간의 배경색 보임 */
  }

  /* 홀수/짝수 아이템에 미묘한 배경색 차이 주기 */
  .problem-item:nth-child(odd)::before {
    background: linear-gradient(
      135deg,
      rgba(255, 102, 204, 0.1) 0%,
      rgba(255, 102, 204, 0.05) 100%
    );
  }

  .problem-item:nth-child(even)::before {
    background: linear-gradient(
      135deg,
      rgba(77, 61, 191, 0.05) 0%,
      rgba(77, 61, 191, 0.1) 100%
    );
  }

  /* 활성화된 상태(터치 후)의 스타일 */
  .problem-item:active {
    transform: translateY(-1px);
    box-shadow: 0 2px 8px rgba(77, 61, 191, 0.1);
  }

  .problem-item:active::before {
    opacity: 0.15;
  }

  .problem-item:active span {
    background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    font-weight: 700;
  }

  /* 그리드 레이아웃 조정 */
  .benefits-grid {
    display: flex;
    flex-direction: column;
    gap: 15px;
  }

  .benefit-card {
    width: 100%;
    padding: 15px;
  }

  .process-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
  }

  /* 문제점 그리드 조정 */
  .problems-grid {
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    margin: 0 auto;
    max-width: 95%;
  }

  /* 폼 요소 조정 */
  .form-row {
    flex-direction: column;
  }

  .form-group {
    width: 100%;
    margin-bottom: 15px;
  }

  /* 모바일 친화적 텍스트 클래스 */
  .mobile-friendly-text {
    word-break: keep-all;
    overflow-wrap: break-word;
    white-space: normal;
    text-align: center;
    line-height: 1.6;
    padding: 0 10px;
    letter-spacing: -0.02em;
  }

  /* 섹션 간격 조정 */
  section {
    margin-bottom: 30px;
    padding: 10px 0;
  }

  /* 체크박스 라벨 텍스트 가독성 개선 */
  .checkbox-label {
    display: flex;
    align-items: flex-start;
    padding: 10px 0;
    margin-bottom: 15px;
    font-size: 14px;
    line-height: 1.5;
    flex-wrap: wrap;
    word-break: keep-all;
    border-bottom: 1px solid #f1f5f9;
  }

  .checkbox-label input[type='checkbox'] {
    width: 22px;
    height: 22px;
    margin-right: 10px;
    flex-shrink: 0;
    margin-top: 2px;
  }

  .checkbox-label .label-text {
    flex: 1;
    display: flex;
    flex-wrap: wrap;
    word-break: keep-all;
    overflow-wrap: break-word;
    line-height: 1.6;
    letter-spacing: -0.02em;
    font-size: 14px;
    align-items: center;
  }

  .checkbox-label .link,
  .terms-link.link {
    color: #fff;
    text-decoration: underline;
    padding: 5px 8px;
    margin-left: 5px;
    display: inline-flex;
    font-weight: 500;
    border-radius: 4px;
    background-color: rgba(99, 102, 241, 0.05);
    font-size: 13px;
    white-space: nowrap;
  }

  /* 폼 요소 폰트 크기 및 패딩 조정 */
  .form-group input,
  .form-group select,
  .form-group textarea {
    font-size: 16px; /* iOS에서 자동 확대 방지 */
    padding: 14px 16px;
  }

  /* 버튼 크기 및 여백 조정 */
  .submit-btn {
    padding: 15px 0;
    font-size: 16px;
    height: auto;
    min-height: 52px;
    width: 100%;
    margin-top: 25px;
  }

  /* 모달 팝업 내용 조정 */
  .cm-modal-popup {
    width: 90%;
  }

  .cm-modal-body {
    padding: 15px;
  }
}

/* label-text 스타일 (모든 화면 크기에 적용) */
.label-text {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
}

/* 모바일 반응형 스타일 */
@media screen and (max-width: 768px) {
  /* 기존 스타일 유지 */

  /* 체크박스 라벨 터치 영역 및 가독성 개선 */
  .checkbox-label {
    font-size: 14px;
    line-height: 1.5;
    padding: 8px 0;
    margin-bottom: 10px;
    display: flex;
    align-items: flex-start;
    flex-wrap: wrap;
    word-break: keep-all;
  }

  .checkbox-label input[type='checkbox'] {
    width: 22px;
    height: 22px;
    margin-right: 10px;
    flex-shrink: 0;
    margin-top: 2px;
  }

  .checkbox-label .link {
    color: #fff;
    text-decoration: underline;
    margin-left: 4px;
    padding: 4px 8px;
    display: inline-block;
    font-weight: 500;
    border-radius: 4px;
    background-color: rgba(99, 102, 241, 0.05);
    margin-top: 4px;
  }

  /* 모바일 친화적인 텍스트 스타일 강화 */
  .mobile-friendly-text {
    word-break: keep-all;
    overflow-wrap: break-word;
    white-space: normal;
    text-align: center;
    line-height: 1.6;
    padding: 0 10px;
    letter-spacing: -0.02em;
  }

  /* 모바일에서 모든 텍스트 요소 가독성 향상 */
  p,
  h1,
  h2,
  h3,
  h4,
  span,
  label,
  a {
    word-break: keep-all;
    overflow-wrap: break-word;
    letter-spacing: -0.015em;
    text-rendering: optimizeLegibility;
  }

  /* 폼 요소 폰트 크기 및 패딩 조정 */
  .form-group input,
  .form-group select,
  .form-group textarea {
    font-size: 16px; /* iOS에서 자동 확대 방지 */
    padding: 12px 16px;
  }

  /* 모바일에서 버튼 크기 키우기 */
  .submit-btn {
    padding: 14px 24px;
    font-size: 16px;
    height: auto;
    min-height: 50px;
  }

  /* 체크박스 라벨 텍스트 가독성 개선 */
  .checkbox-label {
    display: flex;
    align-items: flex-start;
    padding: 10px 0;
    margin-bottom: 15px;
    font-size: 14px;
    line-height: 1.5;
    flex-wrap: wrap;
    word-break: keep-all;
    border-bottom: 1px solid #f1f5f9;
  }

  .checkbox-label input[type='checkbox'] {
    width: 22px;
    height: 22px;
    margin-right: 10px;
    flex-shrink: 0;
    margin-top: 2px;
  }

  .checkbox-label .label-text {
    flex: 1;
    display: flex;
    flex-wrap: wrap;
    word-break: keep-all;
    overflow-wrap: break-word;
    line-height: 1.6;
    letter-spacing: -0.02em;
    font-size: 14px;
    align-items: center;
  }

  .checkbox-label .link {
    color: #fff;
    text-decoration: underline;
    padding: 5px 8px;
    margin-left: 5px;
    display: inline-flex;
    font-weight: 500;
    border-radius: 4px;
    background-color: rgba(99, 102, 241, 0.05);
    font-size: 13px;
    white-space: nowrap;
  }

  /* 폼 그룹 여백 조정 */
  .form-group {
    margin-bottom: 15px;
  }

  /* 입력 필드 폰트 크기 조정 */
  .form-group input,
  .form-group select,
  .form-group textarea {
    font-size: 16px;
    padding: 14px 16px;
  }

  /* 버튼 크기 및 여백 조정 */
  .submit-btn {
    padding: 15px 0;
    font-size: 16px;
    height: auto;
    min-height: 52px;
    width: 100%;
    margin-top: 25px;
  }

  /* 문제점 아이템 아이콘 및 터치 스타일 조정 */
  .problem-item span::before {
    font-size: 11px;
    margin-right: 4px;
  }

  .problem-item {
    padding: 12px 14px;
    border: 1px solid rgba(0, 0, 0, 0.07);
  }

  .problem-item span {
    font-size: 11px;
    line-height: 1.4;
    gap: 6px;
    text-align: center;
    justify-content: center;
  }

  /* 모바일에서는 기본 상태에서 약간의 배경색 적용 */
  .problem-item::before {
    opacity: 0.05; /* 기본 상태에서도 약간의 배경색 보임 */
  }

  /* 홀수/짝수 아이템에 미묘한 배경색 차이 주기 */
  .problem-item:nth-child(odd)::before {
    background: linear-gradient(
      135deg,
      rgba(255, 102, 204, 0.1) 0%,
      rgba(255, 102, 204, 0.05) 100%
    );
  }

  .problem-item:nth-child(even)::before {
    background: linear-gradient(
      135deg,
      rgba(77, 61, 191, 0.05) 0%,
      rgba(77, 61, 191, 0.1) 100%
    );
  }

  /* 활성화된 상태(터치 후)의 스타일 */
  .problem-item:active {
    transform: translateY(-1px);
    box-shadow: 0 2px 8px rgba(77, 61, 191, 0.1);
  }

  .problem-item:active::before {
    opacity: 0.15;
  }

  .problem-item:active span {
    background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    font-weight: 700;
  }
}

/* Main Loan Banner 2 - 새로운 디자인 스타일 */

/* 메인 타이틀 섹션 - 새로운 디자인 */
.loan-landing .loan-main-title {
  background: #ffffff;
  color: #191f28;
  padding: 100px 40px 40px 20px;
  text-align: center;
  position: relative;
}

.loan-landing .ai-image-container {
  width: 100%;
  max-width: 500px;
  margin: 0 auto 60px;
  position: relative;
}
.loan-landing .ai-main-image {
  width: 100%;
  height: 300px;
  object-fit: cover;
  border-radius: 20px;
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.15);
  transition: all 0.3s ease;
}

.loan-landing .main-description {
  text-align: center;
  max-width: 900px;
  margin: 0 auto;
}

.loan-landing .main-description h1 {
  font-size: 42px;
  font-weight: 700;
  line-height: 1.3;
  margin-bottom: 32px;
  position: relative;
  z-index: 2;
  letter-spacing: -0.02em;
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.loan-landing .main-description .subtitle {
  font-size: 22px;
  color: #4e5968;
  line-height: 1.6;
  margin-bottom: 0;
  font-weight: 500;
  opacity: 0.9;
}

/* AI 이미지 2 섹션 */
.ai-image-section {
  background: linear-gradient(
    135deg,
    rgba(255, 102, 204, 0.03) 0%,
    rgba(77, 61, 191, 0.05) 100%
  );
  padding: 100px 40px;
  text-align: center;
  position: relative;
}

.ai-image-container-2 {
  width: 100%;
  max-width: 500px;
  margin: 0 auto 60px;
  position: relative;
}

.ai-secondary-image {
  width: 100%;
  height: 300px;
  object-fit: cover;
  border-radius: 20px;
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.15);
  transition: all 0.3s ease;
}

.image-label {
  position: absolute;
  top: 20px;
  right: 20px;
  background: rgba(255, 255, 255, 0.95);
  padding: 12px 20px;
  border-radius: 12px;
  font-size: 14px;
  font-weight: 600;
  color: #4e5968;
  backdrop-filter: blur(10px);
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
  line-height: 1.3;
}

.ai-description {
  max-width: 900px;
  margin: 0 auto;
}

.ai-description h2 {
  font-size: 42px;
  font-weight: 700;
  color: #191f28;
  margin-bottom: 32px;
  line-height: 1.3;
  letter-spacing: -0.02em;
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  position: relative;
  z-index: 2;
}

.ai-description .strategy-subtitle {
  font-size: 22px;
  color: #4e5968;
  line-height: 1.6;
  text-align: center;
  font-weight: 500;
  opacity: 0.9;
}

/* 강남오빠 이용 방법 섹션 */
.usage-method-section {
  background: #ffffff;
  padding: 100px 40px;
  position: relative;
}

.method-header {
  text-align: center;
  margin-bottom: 60px;
}

.method-header .icon-emoji {
  font-size: 48px;
  margin-bottom: 24px;
}

.method-header h2 {
  font-size: 36px;
  font-weight: 700;
  color: #191f28;
  margin: 0;
  line-height: 1.4;
}

.steps-container {
  max-width: 900px;
  margin: 0 auto;
}

/* 스텝 콘텐츠 */
.step-content {
  text-align: center;
  flex: 1;
}

.step-number {
  font-size: 14px;
  font-weight: 600;
  color: #6366f1;
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.step-title {
  font-size: 20px;
  font-weight: 700;
  color: #191f28;
  margin-bottom: 12px;
  line-height: 1.3;
}

.step-description {
  font-size: 16px;
  color: #4e5968;
  line-height: 1.6;
  margin: 0;
}

/* step-content h4와 p 스타일 추가 */
.step-content h4 {
  font-size: 1.6rem;
  font-weight: 700;
  color: #191f28;
  margin-bottom: 12px;
  line-height: 1.3;
}

.step-content p {
  font-size: 1.2rem;
  color: #4e5968;
  line-height: 1.6;
  margin: 0;
}

/* 스텝 카드 */
.step-card {
  background: #f8f9ff;
  border: 1px solid #e2e8f0;
  border-radius: 16px;
  padding: 40px 32px;
  margin-bottom: 24px;
  transition: all 0.3s ease;
  position: relative;
  box-shadow: 0 8px 20px rgba(77, 61, 191, 0.08);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 24px;
  text-align: center;
}

/* 스텝 아이콘 */
.step-icon {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, #6366f1 0%, #8b5cf6 100%);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  transition: all 0.3s ease;
  box-shadow: 0 8px 24px rgba(255, 102, 204, 0.3);
}

/* 카드 콘텐츠 */
.card-content h3 {
  font-size: 20px;
  font-weight: 700;
  color: #191f28;
  margin-bottom: 8px;
  line-height: 1.3;
}

.card-content p {
  font-size: 18px;
  font-weight: 600;
  color: #4d3dbf;
  margin-bottom: 16px;
  line-height: 1.4;
}

.card-subtitle {
  font-size: 14px;
  color: #6b7280;
  line-height: 1.5;
  display: block;
  font-weight: 400;
}

.ai-image-container-2 {
  width: 100%;
  max-width: 500px;
  margin: 0 auto 60px;
  position: relative;
}

.ai-image-section {
  padding: 60px 20px;
}

.strategy-cards-container {
  flex-direction: column;
  gap: 20px;
  margin-bottom: 40px;
}

.strategy-card {
  padding: 24px 20px;
  max-width: 100%;
}

.card-icon {
  width: 64px;
  height: 64px;
  border-radius: 16px;
  margin-bottom: 20px;
}

.card-content h3 {
  font-size: 18px;
}

.card-content p {
  font-size: 16px;
}

.card-subtitle {
  font-size: 13px;
}

.ai-description h2 {
  font-size: 28px;
  margin-bottom: 32px;
}

.ai-image-section {
  padding: 50px 15px;
}

.strategy-cards-container {
  gap: 16px;
  margin-bottom: 32px;
}

.strategy-card {
  padding: 60px 16px;
  border-radius: 16px;
}

.card-icon {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  margin-bottom: 16px;
}

.card-content h3 {
  font-size: 24px;
  margin-bottom: 6px;
}

.card-content p {
  font-size: 20px;
  margin-bottom: 12px;
}

.card-subtitle {
  font-size: 12px;
}

.ai-description h2 {
  font-size: 24px;
}

/* 아직도 나에게 맞는 대출 찾기 어렵다면? 섹션 */
.still-difficult-section {
  background: linear-gradient(
    135deg,
    rgba(255, 102, 204, 0.03) 0%,
    rgba(77, 61, 191, 0.05) 100%
  );
  padding: 100px 40px;
  text-align: center;
  position: relative;
  border-top: 1px solid rgba(255, 102, 204, 0.1);
  border-bottom: 1px solid rgba(255, 102, 204, 0.1);
}

.still-difficult-section h2 {
  font-size: 36px;
  font-weight: 700;
  color: #191f28;
  margin-bottom: 24px;
  line-height: 1.4;
}

.still-difficult-section > p {
  font-size: 1.6rem;
  color: #4e5968;
  margin-bottom: 60px;
  font-weight: 400;
}

.consultation-time {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  margin-bottom: 40px;
}

.time-icon {
  font-size: 24px;
}

.consultation-time p {
  font-size: 1.5rem;
  color: rgb(31, 31, 31);
  margin: 0;
  font-weight: 500;
}

.consultation-quote {
  background: #f8fafc;
  padding: 32px;
  border-radius: 16px;
  margin-bottom: 60px;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
}

.consultation-quote p {
  font-size: 1.6rem;
  color: #191f28;
  font-weight: 500;
  line-height: 1.6;
  margin: 0;
}

/* 상담 신청 섹션 - 새로운 디자인 */
.loan-landing .consultation-section {
  padding: 100px 40px;
  text-align: center;
  border-top: 1px solid #f1f5f9;
  border-radius: 20px;
}

.loan-landing .consultation-header h2 {
  font-size: 36px;
  font-weight: 700;
  color: #191f28;
  margin-bottom: 48px;
  line-height: 1.4;
}

.loan-landing .consultation-form {
  max-width: 800px;
  margin: 0 auto;
}

.loan-landing .consultation-form .form-row {
  display: grid;
  grid-template-columns: 1fr 1fr 200px;
  gap: 16px;
  align-items: end;
}

.loan-landing .consultation-form .form-group {
  margin-bottom: 0;
}

.loan-landing .consultation-form input {
  width: 100%;
  padding: 16px 20px;
  border: 2px solid #e2e8f0;
  border-radius: 12px;
  font-size: 16px;
  background: #fafbfc;
  color: #333;
  box-sizing: border-box;
  transition: all 0.3s ease;
}

.loan-landing .consultation-form input:focus {
  outline: none;
  border-color: #667eea;
  background: white;
  box-shadow: 0 0 0 3px rgba(102, 126, 234, 0.1);
}

.loan-landing .consultation-form input::placeholder {
  color: #94a3b8;
}

.loan-landing .consultation-form .submit-btn {
  width: 100%;
  height: 56px;
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  color: white;
  border: none;
  border-radius: 12px;
  font-size: 1.2rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.3s ease;
  box-shadow: 0 4px 16px rgba(102, 126, 234, 0.3);
}

.loan-landing .consultation-form .submit-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(102, 126, 234, 0.4);
}

/* 모바일 반응형 */
@media (max-width: 768px) {
  .loan-landing .loan-main-title {
    padding: 60px 20px 80px;
  }

  .loan-landing .ai-image-container,
  .ai-image-container-2 {
    max-width: 400px;
    margin-bottom: 40px;
  }

  .loan-landing .ai-main-image,
  .ai-secondary-image {
    height: 250px;
  }

  .loan-landing .main-description h1 {
    font-size: 32px;
    margin-bottom: 32px;
  }

  .loan-landing .main-description .subtitle {
    font-size: 18px;
  }

  .ai-image-section {
    padding: 60px 20px;
  }

  .ai-description h2 {
    font-size: 28px;
    margin-bottom: 32px;
  }

  .ai-description .strategy-subtitle {
    font-size: 18px;
  }

  .usage-method-section {
    padding: 60px 20px;
  }

  .method-header h2 {
    font-size: 28px;
  }

  .method-header .icon-emoji {
    font-size: 40px;
    margin-bottom: 20px;
  }

  .step-card {
    padding: 30px 24px;
  }

  .step-title,
  .step-content h4 {
    font-size: 18px;
    margin-bottom: 12px;
  }

  .step-description,
  .step-content p {
    font-size: 16px;
  }

  .still-difficult-section {
    padding: 60px 20px;
  }

  .still-difficult-section h2 {
    font-size: 28px;
    margin-bottom: 20px;
  }

  .still-difficult-section > p {
    font-size: 18px;
    margin-bottom: 32px;
  }

  .consultation-time p {
    font-size: 16px;
  }

  .consultation-quote {
    padding: 24px;
    margin-bottom: 40px;
  }

  .consultation-quote p {
    font-size: 18px;
  }

  .loan-landing .consultation-section {
    padding: 60px 20px;
    margin: 20px;
  }
  .loan-landing .consultation-header h2 {
    font-size: 28px;
    margin-bottom: 32px;
  }

  .loan-landing .consultation-form .form-row {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .loan-landing .consultation-form .submit-btn {
    width: 100%;
  }
}

@media (max-width: 480px) {
  .loan-landing .loan-main-title {
    padding: 50px 15px 60px;
  }

  .loan-landing .main-description h1 {
    font-size: 28px;
  }

  .loan-landing .main-description .subtitle {
    font-size: 16px;
  }

  .ai-image-section {
    padding: 50px 15px;
  }

  .ai-description h2 {
    font-size: 24px;
  }

  .ai-description .strategy-subtitle {
    font-size: 16px;
  }

  .usage-method-section {
    padding: 50px 15px;
  }

  .method-header h2 {
    font-size: 24px;
  }

  .step-card {
    padding: 24px 20px;
  }

  .step-title,
  .step-content h4 {
    font-size: 16px;
  }

  .step-description,
  .step-content p {
    font-size: 14px;
  }

  .still-difficult-section {
    padding: 50px 15px;
  }

  .still-difficult-section h2 {
    font-size: 24px;
  }

  .still-difficult-section > p {
    font-size: 16px;
  }

  .consultation-time {
    flex-direction: column;
    gap: 8px;
  }

  .consultation-time p {
    font-size: 14px;
  }

  .consultation-quote p {
    font-size: 16px;
  }

  .loan-landing .consultation-section {
    padding: 40px 15px;
    margin: 15px;
  }

  .loan-landing .consultation-header h2 {
    font-size: 24px;
    margin-bottom: 24px;
  }
}

/* Main Loan Banner 3 - 전면 재설계 */

/* 기본 조건 박스 스타일 */
.basic-conditions {
  display: flex;
  flex-direction: column;
  gap: 16px;
  max-width: 600px;
  margin: 32px auto 0;
}

.condition-box {
  background: linear-gradient(
    135deg,
    rgba(255, 102, 204, 0.03) 0%,
    rgba(77, 61, 191, 0.05) 100%
  );
  padding: 18px 20px;
  border-radius: 12px;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
  border: 1px solid rgba(255, 102, 204, 0.1);
  transition: all 0.3s ease;
  display: flex;
  align-items: center;
  justify-content: center;
}

.condition-icon {
  width: 40px;
  height: 40px;
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  flex-shrink: 0;
  box-shadow: 0 2px 8px rgba(255, 102, 204, 0.3);
  margin-right: 16px;
}

.condition-label {
  font-size: 1.3rem;
  font-weight: 600;
  color: #191f28;
  line-height: 1.4;
  flex: 1;
  text-align: center;
}

/* 고객 메시지 섹션 */
.customer-message-section {
  background: #ffffff;
  padding: 80px 40px;
  text-align: center;
}

.message-content h2 {
  font-size: 32px;
  font-weight: 700;
  color: #191f28;
  line-height: 1.4;
  margin: 0;
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* 우대금리 섹션 */
.preferential-rate-section {
  background: #f8f9fa;
  padding: 80px 40px;
  text-align: center;
  border-top: 1px solid #e9ecef;
  border-bottom: 1px solid #e9ecef;
}

.preferential-rate-section .section-header {
  margin-bottom: 40px;
}

.preferential-rate-section .section-header h2 {
  font-size: 36px;
  font-weight: 700;
  color: #191f28;
  margin: 0;
  line-height: 1.4;
}

/* 아이콘 컨테이너 추가 */
.section-icon {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, #4d3dbf 0%, #ff66cc 100%);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  box-shadow: 0 4px 16px rgba(59, 130, 246, 0.3);
  transition: all 0.3s ease;
}

.section-icon::before {
  content: '💰';
  font-size: 28px;
}

/* 조건 요약 */
.conditions-summary {
  max-width: 800px;
  margin: 0 auto 50px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.summary-item {
  background: white;
  padding: 20px 24px;
  border-radius: 12px;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);
  border: 1px solid rgba(255, 102, 204, 0.1);
  transition: all 0.3s ease;
}

.summary-item span {
  font-size: 1.3rem;
  font-weight: 600;
  color: #191f28;
  line-height: 1.5;
}

/* 금리 테이블 컨테이너 */
.rate-table-container {
  max-width: 800px;
  margin: 0 auto 50px;
}

/* 토스 스타일 표 디자인 */
.rate-table {
  background: white;
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
  border: 1px solid #e2e8f0;
}

/* 표 헤더 */
.table-header {
  display: grid;
  grid-template-columns: 120px 1fr;
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  color: white;
  font-weight: 700;
  font-size: 1.3rem;
}

.header-rate,
.header-condition {
  padding: 20px 24px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.header-condition {
  justify-content: center;
  border-left: 1px solid rgba(255, 255, 255, 0.2);
}

/* 표 본문 */
.table-body {
  background: white;
}

.table-row {
  display: grid;
  grid-template-columns: 120px 1fr;
  border-bottom: 1px solid #f1f5f9;
  transition: all 0.2s ease;
}

.table-row:last-child {
  border-bottom: none;
}

/* 표 셀 */
.rate-cell {
  padding: 20px 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 18px;
  color: #ff66cc;
  background: #fafbfc;
  border-right: 1px solid #f1f5f9;
}

.condition-cell {
  padding: 20px 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  font-weight: 500;
  color: #4e5968;
  line-height: 1.5;
}

.table-note {
  font-size: 14px;
  color: #94a3b8;
  margin-top: 16px;
  text-align: center;
  font-style: italic;
}

/* 마무리 메시지 */
.closing-message {
  background: linear-gradient(
    135deg,
    rgba(255, 102, 204, 0.08) 0%,
    rgba(77, 61, 191, 0.08) 100%
  );
  padding: 40px 32px;
  border-radius: 20px;
  border: 2px solid rgba(255, 102, 204, 0.2);
  max-width: 600px;
  margin: 0 auto;
  box-shadow: 0 4px 16px rgba(255, 102, 204, 0.1);
}

.closing-message h3 {
  font-size: 1.8rem;
  font-weight: 700;
  color: #191f28;
  line-height: 1.4;
  margin: 0;
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* Main Loan Banner 3 모바일 반응형 */
@media (max-width: 768px) {
  .basic-conditions {
    gap: 12px;
    margin: 24px auto 0;
  }

  .condition-box {
    padding: 16px 18px;
    flex-direction: column;
    text-align: center;
    gap: 12px;
  }

  .condition-icon {
    width: 36px;
    height: 36px;
    font-size: 18px;
    border-radius: 8px;
    margin-right: 0;
    margin-bottom: 8px;
  }

  .condition-label {
    font-size: 16px;
  }

  .customer-message-section {
    padding: 60px 20px;
  }

  .message-content h2 {
    font-size: 24px;
  }

  .preferential-rate-section {
    padding: 60px 20px;
  }

  .preferential-rate-section .section-header h2 {
    font-size: 24px;
  }

  .preferential-rate-section .section-icon {
    width: 48px;
    height: 48px;
    margin-bottom: 16px;
  }

  .preferential-rate-section .section-icon::before {
    font-size: 20px;
  }

  .conditions-summary {
    gap: 12px;
    margin-bottom: 40px;
  }

  .summary-item {
    padding: 16px 20px;
  }

  .summary-item span {
    font-size: 16px;
  }

  .rate-table-container {
    margin-bottom: 40px;
  }

  .table-header {
    grid-template-columns: 100px 1fr;
    font-size: 16px;
  }

  .header-rate,
  .header-condition {
    padding: 16px 20px;
  }

  .table-row {
    grid-template-columns: 100px 1fr;
  }

  .rate-cell {
    padding: 16px 20px;
    font-size: 16px;
  }

  .condition-cell {
    padding: 16px 20px;
    font-size: 14px;
  }

  .table-note {
    font-size: 13px;
    margin-top: 12px;
  }

  .closing-message {
    padding: 30px 24px;
  }

  .closing-message h3 {
    font-size: 20px;
  }
}

@media (max-width: 480px) {
  .condition-box {
    padding: 14px 16px;
  }

  .condition-label {
    font-size: 15px;
  }

  .customer-message-section {
    padding: 50px 15px;
  }

  .message-content h2 {
    font-size: 20px;
  }

  .preferential-rate-section {
    padding: 50px 15px;
  }

  .preferential-rate-section .section-header h2 {
    font-size: 24px;
  }

  .preferential-rate-section .warning-icon {
    font-size: 24px;
  }

  .summary-item {
    padding: 14px 16px;
  }

  .summary-item span {
    font-size: 14px;
  }

  .table-header {
    grid-template-columns: 80px 1fr;
    font-size: 14px;
  }

  .header-rate,
  .header-condition {
    padding: 14px 16px;
  }

  .table-row {
    grid-template-columns: 80px 1fr;
  }

  .rate-cell {
    padding: 14px 16px;
    font-size: 14px;
  }

  .condition-cell {
    padding: 14px 16px;
    font-size: 13px;
  }

  .closing-message {
    padding: 24px 20px;
  }

  .closing-message h3 {
    font-size: 18px;
  }
}

@media screen and (max-width: 768px) {
  .checkbox-label input[type='checkbox'] {
    width: 16px;
    height: 16px;
    border-width: 1.5px;
  }

  .checkbox-label .label-text {
    font-size: 14px;
    flex-wrap: nowrap;
    gap: 4px;
  }

  .checkbox-label .link {
    font-size: 14px;
    white-space: nowrap;
  }
}

/* 모바일 환경에서의 폼 동의 영역 스타일 */
.mobile-form-agreements {
  padding: 15px;
  border-radius: 10px;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.05);
  margin: 20px 0;
  backdrop-filter: blur(10px);
}

/* main-loan-banner 1,2,3의 상담신청 부분 폰트 색상 수정 */
.loan-landing .consultation-section .checkbox-label .label-text {
  color: #333333 !important; /* 어두운 색으로 강제 적용 */
}

.loan-landing .consultation-section .checkbox-label .link {
  color: #4d3dbf !important; /* 브랜드 색상으로 강제 적용 */
  background: rgba(77, 61, 191, 0.1) !important;
}

.loan-landing .consultation-section .checkbox-label .link:hover {
  background: rgba(77, 61, 191, 0.2) !important;
}

@media (max-width: 480px) {
  .loan-banner-wrap .form-group {
    padding: 0 10px;
  }
  .checkbox-label {
    justify-content: flex-start;
    text-align: left;
  }
}

/* CTA 버튼 스타일 */
.fintech-cta {
  text-align: center;
  margin-top: 40px;
}

.cta-button {
  background: linear-gradient(135deg, #ff66cc 0%, #4d3dbf 100%);
  color: #ffffff;
  border: none;
  padding: 18px 40px;
  border-radius: 50px;
  font-size: 1.2rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.3s ease;
  box-shadow: 0 8px 25px rgba(77, 61, 191, 0.3);
  display: inline-flex;
  align-items: center;
  gap: 10px;
}

.cta-button:hover {
  box-shadow: 0 8px 25px rgba(77, 61, 191, 0.3);
}

.cta-button i {
  font-size: 1.1rem;
}