/* ===== 여울비즈경영지원센터 ===== */
:root{
  --navy:#0F2A47;
  --navy-d:#081A2E;
  --navy-l:#1D4874;
  --gold:#C9A24B;
  --gold-l:#E3C583;
  --ink:#16202B;
  --gray:#5C6B7A;
  --line:#E4E9EF;
  --bg:#F6F8FA;
  --white:#fff;
  --radius:14px;
  --shadow:0 4px 24px rgba(15,42,71,.08);
  --shadow-h:0 14px 40px rgba(15,42,71,.16);
  --wrap:1200px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:'Noto Sans KR',-apple-system,BlinkMacSystemFont,'Malgun Gothic',sans-serif;
  color:var(--ink);background:var(--white);line-height:1.7;
  -webkit-font-smoothing:antialiased;word-break:keep-all;
}
a{color:inherit;text-decoration:none}
ul,ol{list-style:none}
img{max-width:100%;display:block}
button{font-family:inherit;cursor:pointer;border:0;background:none}
input,textarea,select{font-family:inherit;font-size:15px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}

/* ===== 상단바 ===== */
.topbar{background:var(--navy-d);color:#B9C7D6;font-size:13px}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;height:38px}
.tb-tel{color:var(--gold-l);font-weight:700;letter-spacing:.3px}
@media(max-width:768px){.tb-txt{display:none}.topbar .wrap{justify-content:center}}

/* ===== 헤더 ===== */
.hd{
  position:fixed;top:0;left:0;right:0;z-index:900;background:rgba(255,255,255,.97);
  backdrop-filter:blur(8px);border-bottom:1px solid var(--line);transition:.25s;
}
.hd.stick{box-shadow:0 4px 20px rgba(0,0,0,.07)}
.hd-spacer{height:74px}
.hd-in{display:flex;align-items:center;height:74px;gap:28px}

.logo{display:flex;align-items:baseline;gap:7px;flex-shrink:0}
.logo-mark{
  font-size:28px;font-weight:900;color:var(--navy);letter-spacing:-1.5px;
  border-bottom:3px solid var(--gold);line-height:1.2;padding-bottom:1px;
}
.logo-txt{font-size:14px;font-weight:500;color:var(--gray);letter-spacing:-.5px}

.gnb{margin-left:auto}
.gnb>ul{display:flex;gap:4px}
.gnb>ul>li{position:relative}
.gnb>ul>li>a{
  display:block;padding:26px 15px;font-size:15.5px;font-weight:500;color:var(--ink);
  position:relative;transition:.2s;white-space:nowrap;
}
.gnb>ul>li>a:hover,.gnb>ul>li>a.on{color:var(--navy)}
.gnb>ul>li>a.on::after{
  content:'';position:absolute;left:15px;right:15px;bottom:20px;height:2px;background:var(--gold);
}
.sub{
  position:absolute;top:100%;left:50%;transform:translateX(-50%) translateY(8px);
  min-width:180px;background:#fff;border:1px solid var(--line);border-radius:10px;
  box-shadow:var(--shadow-h);padding:8px;opacity:0;visibility:hidden;transition:.2s;
}
.has-sub:hover .sub{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.sub li a{display:block;padding:9px 14px;font-size:14.5px;color:var(--gray);border-radius:7px;transition:.15s}
.sub li a:hover{background:var(--bg);color:var(--navy);font-weight:500}

.btn-cta{
  display:inline-block;padding:11px 22px;background:var(--navy);color:#fff;
  border-radius:8px;font-size:14.5px;font-weight:700;transition:.2s;white-space:nowrap;
}
.btn-cta:hover{background:var(--navy-l);transform:translateY(-2px);box-shadow:0 8px 20px rgba(15,42,71,.25)}
.btn-cta.lg{padding:16px 38px;font-size:17px}
.btn-ghost{
  display:inline-block;padding:11px 22px;border:1.5px solid var(--navy);color:var(--navy);
  border-radius:8px;font-size:14.5px;font-weight:700;transition:.2s;background:#fff;
}
.btn-ghost:hover{background:var(--navy);color:#fff}
.btn-ghost.lg{padding:15px 36px;font-size:17px}

.ham{display:none;flex-direction:column;gap:5px;padding:8px}
.ham span{width:24px;height:2px;background:var(--ink);transition:.25s;display:block}
.ham.on span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.ham.on span:nth-child(2){opacity:0}
.ham.on span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

@media(max-width:1080px){
  .hd-cta{display:none}
  .ham{display:flex;margin-left:auto}
  .gnb{
    position:fixed;top:112px;left:0;right:0;bottom:0;background:#fff;margin:0;
    overflow-y:auto;padding:16px 20px 100px;transform:translateX(100%);transition:.3s;
  }
  .gnb.open{transform:translateX(0)}
  .gnb>ul{flex-direction:column;gap:0}
  .gnb>ul>li>a{padding:16px 4px;font-size:17px;font-weight:700;border-bottom:1px solid var(--line)}
  .gnb>ul>li>a.on::after{display:none}
  .sub{
    position:static;transform:none;opacity:1;visibility:visible;box-shadow:none;border:0;
    padding:6px 0 10px;min-width:0;display:none;
  }
  .has-sub.open .sub{display:block}
  .sub li a{padding:10px 14px;font-size:15px}
}

/* ===== 히어로 ===== */
.hero{
  position:relative;background:linear-gradient(135deg,var(--navy-d) 0%,var(--navy) 55%,var(--navy-l) 100%);
  color:#fff;overflow:hidden;
}
.hero::before{
  content:'';position:absolute;top:-30%;right:-8%;width:640px;height:640px;border-radius:50%;
  background:radial-gradient(circle,rgba(201,162,75,.20),transparent 68%);
}
.hero::after{
  content:'여울';position:absolute;right:-30px;bottom:-70px;font-size:270px;font-weight:900;
  color:rgba(255,255,255,.035);letter-spacing:-14px;line-height:1;pointer-events:none;
}
.hero-in{position:relative;z-index:2;padding:96px 20px 104px;max-width:var(--wrap);margin:0 auto}
.hero-tag{
  display:inline-block;padding:7px 16px;border:1px solid rgba(201,162,75,.5);border-radius:100px;
  font-size:13px;font-weight:500;color:var(--gold-l);margin-bottom:26px;letter-spacing:.5px;
}
.hero h1{font-size:52px;font-weight:900;line-height:1.32;letter-spacing:-1.8px;margin-bottom:22px}
.hero h1 .hl{color:var(--gold-l)}
.hero p{font-size:18px;color:#C3D2E2;line-height:1.85;margin-bottom:38px;max-width:640px}
.hero-btns{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:56px}
.hero .btn-cta{background:var(--gold);color:var(--navy-d)}
.hero .btn-cta:hover{background:var(--gold-l)}
.hero .btn-ghost{border-color:rgba(255,255,255,.45);color:#fff;background:transparent}
.hero .btn-ghost:hover{background:#fff;color:var(--navy)}

.hero-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,.12);border-radius:12px;overflow:hidden;max-width:840px}
.hs{background:rgba(8,26,46,.55);padding:24px 18px;text-align:center}
.hs b{display:block;font-size:30px;font-weight:900;color:var(--gold-l);letter-spacing:-1px}
.hs span{font-size:13.5px;color:#A9BACB}
@media(max-width:900px){
  .hero-in{padding:64px 20px 72px}
  .hero h1{font-size:33px;letter-spacing:-1.2px}
  .hero p{font-size:16px}
  .hero::after{font-size:150px;bottom:-30px}
  .hero-stats{grid-template-columns:repeat(2,1fr)}
  .hs b{font-size:25px}
  .hero-btns .btn-cta,.hero-btns .btn-ghost{flex:1;text-align:center;padding:15px 12px}
}

/* ===== 섹션 공통 ===== */
.sec{padding:96px 0}
.sec.gray{background:var(--bg)}
.sec-head{text-align:center;margin-bottom:56px}
.sec-tag{
  display:inline-block;font-size:13px;font-weight:700;color:var(--gold);letter-spacing:2.5px;
  text-transform:uppercase;margin-bottom:14px;
}
.sec-head h2{font-size:38px;font-weight:900;letter-spacing:-1.3px;line-height:1.35;color:var(--navy)}
.sec-head p{margin-top:16px;font-size:16.5px;color:var(--gray);line-height:1.8}
.sec-head.left{text-align:left}
@media(max-width:900px){
  .sec{padding:60px 0}
  .sec-head{margin-bottom:36px}
  .sec-head h2{font-size:26px}
  .sec-head p{font-size:15px}
}

/* ===== 자금유형 카드 ===== */
.g4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.g3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.g2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
@media(max-width:1000px){.g4{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:1fr}}
@media(max-width:640px){.g4,.g2{grid-template-columns:1fr}}

.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px 26px;
  transition:.28s;position:relative;overflow:hidden;
}
.card::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--gold);
  transform:scaleX(0);transform-origin:left;transition:.3s;
}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-h);border-color:transparent}
.card:hover::before{transform:scaleX(1)}
.card .ico{
  width:52px;height:52px;border-radius:12px;background:linear-gradient(135deg,var(--navy),var(--navy-l));
  display:flex;align-items:center;justify-content:center;font-size:24px;margin-bottom:18px;
}
.card h3{font-size:20px;font-weight:700;margin-bottom:14px;color:var(--navy);letter-spacing:-.6px}
.card ul li{
  font-size:14.5px;color:var(--gray);padding-left:20px;position:relative;margin-bottom:8px;line-height:1.65;
}
.card ul li::before{content:'✓';position:absolute;left:0;color:var(--gold);font-weight:900}
.card .more{
  display:inline-block;margin-top:18px;font-size:14px;font-weight:700;color:var(--navy);
  border-bottom:1px solid var(--gold);padding-bottom:2px;
}

/* 정책자금 4종 (진한 카드) */
.fcard{
  background:#fff;border-radius:var(--radius);padding:34px 28px;border:1px solid var(--line);
  transition:.28s;display:flex;flex-direction:column;
}
.fcard:hover{background:var(--navy);border-color:var(--navy);transform:translateY(-6px);box-shadow:var(--shadow-h)}
.fcard .num{font-size:13px;font-weight:900;color:var(--gold);letter-spacing:2px;margin-bottom:12px}
.fcard h3{font-size:22px;font-weight:900;color:var(--navy);margin-bottom:12px;transition:.28s;letter-spacing:-.7px}
.fcard p{font-size:14.5px;color:var(--gray);line-height:1.75;flex:1;transition:.28s}
.fcard .go{margin-top:20px;font-size:14px;font-weight:700;color:var(--navy);transition:.28s}
.fcard:hover h3,.fcard:hover .go{color:#fff}
.fcard:hover p{color:#B9C9D9}

/* ===== 차별점 ===== */
.why{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
@media(max-width:900px){.why{grid-template-columns:1fr;gap:36px}}
.why-list li{display:flex;gap:20px;padding:24px 0;border-bottom:1px solid var(--line)}
.why-list li:last-child{border-bottom:0}
.why-n{
  flex-shrink:0;width:44px;height:44px;border-radius:50%;border:2px solid var(--gold);
  display:flex;align-items:center;justify-content:center;font-weight:900;color:var(--navy);font-size:16px;
}
.why-list h3{font-size:18.5px;font-weight:700;margin-bottom:7px;color:var(--navy)}
.why-list p{font-size:14.5px;color:var(--gray);line-height:1.75}

/* ===== 프로세스 ===== */
.proc{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media(max-width:900px){.proc{grid-template-columns:1fr}}
.pstep{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 26px;position:relative;transition:.25s}
.pstep:hover{box-shadow:var(--shadow);border-color:var(--gold)}
.pstep .pn{
  position:absolute;top:22px;right:24px;font-size:44px;font-weight:900;
  color:var(--line);line-height:1;letter-spacing:-2px;
}
.pstep h3{font-size:18px;font-weight:700;color:var(--navy);margin-bottom:14px;padding-right:44px;letter-spacing:-.4px}
.pstep ul li{font-size:14px;color:var(--gray);padding-left:18px;position:relative;margin-bottom:7px;line-height:1.6}
.pstep ul li::before{content:'·';position:absolute;left:6px;color:var(--gold);font-weight:900;font-size:18px;line-height:1.2}

/* ===== 약속 ===== */
.pr{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
@media(max-width:1000px){.pr{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.pr{grid-template-columns:1fr}}
.prc{background:#fff;border-radius:var(--radius);padding:30px 24px;text-align:center;border:1px solid var(--line);transition:.25s}
.prc:hover{transform:translateY(-5px);box-shadow:var(--shadow-h)}
.prc .ico{font-size:30px;margin-bottom:14px}
.prc h3{font-size:17px;font-weight:700;color:var(--navy);margin-bottom:9px}
.prc p{font-size:14px;color:var(--gray);line-height:1.7}

/* ===== 숫자 밴드 ===== */
.numband{background:var(--navy);padding:70px 0;color:#fff}
.numband .g4{gap:1px;background:rgba(255,255,255,.1);border-radius:12px;overflow:hidden}
.nb{background:var(--navy);padding:30px 16px;text-align:center}
.nb b{display:block;font-size:44px;font-weight:900;color:var(--gold-l);letter-spacing:-2px;line-height:1.2}
.nb span{font-size:14.5px;color:#A9BACB}
@media(max-width:900px){.numband{padding:44px 0}.nb b{font-size:31px}}

/* ===== FAQ ===== */
.faq{max-width:880px;margin:0 auto}
.fq{border:1px solid var(--line);border-radius:12px;margin-bottom:12px;background:#fff;overflow:hidden}
.fq-q{
  width:100%;text-align:left;padding:22px 56px 22px 24px;font-size:16.5px;font-weight:700;
  color:var(--navy);position:relative;transition:.2s;
}
.fq-q::after{
  content:'+';position:absolute;right:24px;top:50%;transform:translateY(-50%);
  font-size:24px;color:var(--gold);font-weight:400;transition:.25s;
}
.fq.on .fq-q::after{transform:translateY(-50%) rotate(45deg)}
.fq-q:hover{background:var(--bg)}
.fq-a{max-height:0;overflow:hidden;transition:max-height .3s ease}
.fq-a-in{padding:0 24px 24px;font-size:15px;color:var(--gray);line-height:1.85}
.fq.on .fq-a{max-height:600px}

/* ===== CTA 밴드 ===== */
.cta-band{
  background:linear-gradient(135deg,var(--navy-d),var(--navy-l));color:#fff;padding:76px 0;text-align:center;
  position:relative;overflow:hidden;
}
.cta-band::after{
  content:'여울';position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);
  font-size:200px;font-weight:900;color:rgba(255,255,255,.03);letter-spacing:-10px;pointer-events:none;
}
.cta-band .wrap{position:relative;z-index:2}
.cta-sm{font-size:15px;color:var(--gold-l);margin-bottom:10px;letter-spacing:.5px}
.cta-lg{font-size:36px;font-weight:900;letter-spacing:-1.2px;margin-bottom:32px}
.cta-btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.cta-band .btn-cta{background:var(--gold);color:var(--navy-d)}
.cta-band .btn-cta:hover{background:var(--gold-l)}
.cta-band .btn-ghost{border-color:rgba(255,255,255,.5);color:#fff;background:transparent}
.cta-band .btn-ghost:hover{background:#fff;color:var(--navy)}
@media(max-width:900px){.cta-band{padding:52px 0}.cta-lg{font-size:24px}.cta-btns .btn-cta,.cta-btns .btn-ghost{flex:1}}

/* ===== 푸터 ===== */
.ft{background:#0B1E33;color:#8FA2B5;padding:60px 0 0;font-size:14px}
.ft-in{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;padding-bottom:48px}
.ft .logo-mark{color:#fff;border-bottom-color:var(--gold);font-size:24px}
.ft .logo-txt{color:#7C8FA3;font-size:13px}
.ft-desc{margin-top:16px;line-height:1.85;font-size:13.5px;color:#7C8FA3}
.ft-col h4{color:#fff;font-size:15px;font-weight:700;margin-bottom:16px}
.ft-col ul li{margin-bottom:9px;font-size:13.5px}
.ft-col ul li a:hover{color:var(--gold-l)}
.ft-bot{border-top:1px solid rgba(255,255,255,.08);padding:26px 0 34px}
.ft-biz{font-size:13px;line-height:1.8;color:#7C8FA3}
.ft-note{margin-top:12px;font-size:12px;color:#5E7186;line-height:1.7}
.ft-copy{margin-top:14px;font-size:12.5px;color:#5E7186}
@media(max-width:900px){
  .ft-in{grid-template-columns:1fr 1fr;gap:28px}
  .ft-brand{grid-column:1/-1}
  .ft{padding-top:44px}
  .ft-bot{padding-bottom:100px}
}
@media(max-width:520px){.ft-in{grid-template-columns:1fr}}

/* ===== 모바일 고정 바 ===== */
.mfix{display:none;position:fixed;left:0;right:0;bottom:0;z-index:950;background:#fff;border-top:1px solid var(--line)}
.mfix-b{flex:1;text-align:center;padding:16px 4px;font-size:14.5px;font-weight:700;color:var(--navy)}
.mfix-b.k{background:#FEE500;color:#191600}
.mfix-b.p{background:var(--navy);color:#fff}
@media(max-width:1080px){.mfix{display:flex}}

/* ===== 서브 페이지 ===== */
.sub-hero{
  background:linear-gradient(135deg,var(--navy-d),var(--navy));color:#fff;
  padding:64px 0;text-align:center;position:relative;overflow:hidden;
}
.sub-hero::after{
  content:'여울';position:absolute;right:20px;bottom:-40px;font-size:150px;font-weight:900;
  color:rgba(255,255,255,.035);letter-spacing:-8px;pointer-events:none;
}
.sub-hero .wrap{position:relative;z-index:2}
.sub-hero h1{font-size:38px;font-weight:900;letter-spacing:-1.3px;margin-bottom:12px}
.sub-hero p{font-size:16px;color:#B9C9D9}
.crumb{margin-top:18px;font-size:13px;color:#8FA2B5}
.crumb a:hover{color:var(--gold-l)}
@media(max-width:900px){.sub-hero{padding:44px 0}.sub-hero h1{font-size:26px}}

.prose h2{font-size:27px;font-weight:900;color:var(--navy);margin:44px 0 16px;letter-spacing:-.8px}
.prose h3{font-size:19px;font-weight:700;color:var(--navy);margin:28px 0 10px}
.prose p{font-size:15.5px;color:var(--gray);line-height:1.9;margin-bottom:14px}
.prose ul{margin:0 0 18px}
.prose ul li{font-size:15px;color:var(--gray);padding-left:22px;position:relative;margin-bottom:9px;line-height:1.8}
.prose ul li::before{content:'✓';position:absolute;left:0;color:var(--gold);font-weight:900}

.tbl{width:100%;border-collapse:collapse;margin:20px 0;font-size:14.5px;background:#fff}
.tbl th,.tbl td{border:1px solid var(--line);padding:14px 16px;text-align:left}
.tbl th{background:var(--bg);font-weight:700;color:var(--navy);white-space:nowrap}
.tbl td{color:var(--gray)}
.tbl-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}

.box{background:var(--bg);border-left:3px solid var(--gold);border-radius:0 10px 10px 0;padding:22px 24px;margin:24px 0}
.box p{margin:0;font-size:14.5px}

/* ===== 폼 ===== */
.form-wrap{max-width:760px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:44px 40px;box-shadow:var(--shadow)}
@media(max-width:640px){.form-wrap{padding:28px 20px}}
.fg{margin-bottom:20px}
.fg label{display:block;font-size:14.5px;font-weight:700;color:var(--navy);margin-bottom:8px}
.fg label .req{color:#D9534F;margin-left:3px}
.fg input[type=text],.fg input[type=tel],.fg input[type=email],.fg select,.fg textarea{
  width:100%;padding:13px 15px;border:1px solid var(--line);border-radius:8px;background:#fff;
  transition:.2s;color:var(--ink);
}
.fg input:focus,.fg select:focus,.fg textarea:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(15,42,71,.08)}
.fg textarea{min-height:130px;resize:vertical;line-height:1.7}
.fg-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:640px){.fg-row{grid-template-columns:1fr;gap:0}}
.agree{display:flex;align-items:flex-start;gap:9px;font-size:13.5px;color:var(--gray);margin:8px 0 22px;line-height:1.6}
.agree input{margin-top:4px;flex-shrink:0;width:16px;height:16px;accent-color:var(--navy)}
.btn-sub{width:100%;padding:16px;background:var(--navy);color:#fff;border-radius:8px;font-size:17px;font-weight:700;transition:.2s}
.btn-sub:hover{background:var(--navy-l)}
.msg{padding:14px 18px;border-radius:8px;margin-bottom:22px;font-size:14.5px;font-weight:500}
.msg.ok{background:#E8F5EC;color:#1E6B37;border:1px solid #BFE3CC}
.msg.err{background:#FDECEA;color:#93231C;border:1px solid #F5C6C2}

/* ===== 계산기 ===== */
.calc-out{background:var(--navy);color:#fff;border-radius:var(--radius);padding:30px;margin-top:24px}
.calc-out .row{display:flex;justify-content:space-between;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.12);font-size:15px}
.calc-out .row:last-child{border:0;padding-top:18px}
.calc-out .row b{color:var(--gold-l);font-size:19px;font-weight:900}

/* ===== 애니메이션 ===== */
.rv{opacity:0;transform:translateY(24px);transition:opacity .6s ease,transform .6s ease}
.rv.in{opacity:1;transform:none}