:root {
  --mint: #2EC4B6;
  --mint-t: #E3F8F6;
  --mint-d: #0E5C55;
  --sun: #FFBF00;
  --sun-t: #FFF4D6;
  --sun-d: #7A5A00;
  --pink: #FF6B9A;
  --pink-t: #FFE6EE;
  --pink-d: #8A2A4A;
  --ink: #22223B;
  --ink-2: #4A4A68;
  --line: #ECECF3;
  --bg: #FFFFFF;
  --bg-soft: #FAFAFD;
  --r: 16px;
  --head: 'Black Han Sans', 'Noto Sans KR', sans-serif;
  --body: 'Noto Sans KR', -apple-system, 'Apple SD Gothic Neo', 'Malgun Gothic', sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--body);
  font-size: 16px;
  line-height: 1.8;
  word-break: keep-all;
  overflow-wrap: break-word;
}
h1, h2, h3, p, ul, ol { margin: 0; }
ul, ol { padding: 0; list-style: none; }
a { color: inherit; }

.wrap { width: 100%; max-width: 1080px; margin: 0 auto; padding: 0 24px; }

/* 상단 */
.top { border-bottom: 1px solid var(--line); background: var(--bg); }
.top-in { display: flex; align-items: center; justify-content: space-between; gap: 12px; height: 64px; }
.logo { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; font-family: var(--head); font-size: 20px; }
.logo-mark {
  display: inline-flex; align-items: center; justify-content: center;
  width: 34px; height: 34px; border-radius: 10px;
  background: var(--mint); color: #fff; font-size: 18px;
  box-shadow: 4px 4px 0 var(--sun);
}
.top-tag { font-size: 13px; color: var(--ink-2); }

/* 히어로 */
.hero { padding: 56px 0 48px; }
.hero-in { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, 1fr); gap: 40px; align-items: center; }
.chip { display: inline-block; font-size: 13px; font-weight: 500; padding: 5px 14px; border-radius: 999px; }
.chip-mint { background: var(--mint-t); color: var(--mint-d); }
.hero h1 { font-family: var(--head); font-weight: 400; font-size: 46px; line-height: 1.3; margin: 18px 0 16px; letter-spacing: -0.5px; }
.hl { background: linear-gradient(transparent 62%, var(--sun-t) 62%); color: var(--mint-d); padding: 0 4px; }
.hero-lead { font-size: 17px; color: var(--ink-2); max-width: 520px; }
.hero-btns { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 24px; }
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  min-height: 48px; padding: 0 22px; border-radius: 12px;
  font-weight: 700; font-size: 15px; text-decoration: none;
  transition: transform .15s ease, box-shadow .15s ease;
}
.btn-mint { background: var(--mint); color: #fff; box-shadow: 0 5px 0 var(--mint-d); }
.btn-mint:hover { transform: translateY(2px); box-shadow: 0 3px 0 var(--mint-d); }
.btn-line { background: #fff; color: var(--ink); border: 2px solid var(--ink); }
.btn-line:hover { background: var(--sun-t); }

.hero-stats { display: grid; gap: 14px; }
.stat { display: flex; flex-direction: column; gap: 2px; padding: 20px 22px; border-radius: var(--r); }
.stat-num { font-family: var(--head); font-size: 34px; line-height: 1.2; }
.stat-lab { font-size: 14px; font-weight: 500; }
.stat-mint { background: var(--mint-t); color: var(--mint-d); }
.stat-mint .stat-num { color: var(--mint); }
.stat-sun { background: var(--sun-t); color: var(--sun-d); }
.stat-sun .stat-num { color: #E0A800; }
.stat-pink { background: var(--pink-t); color: var(--pink-d); }
.stat-pink .stat-num { color: var(--pink); }

/* 목차 */
.toc { position: sticky; top: 0; z-index: 10; background: rgba(255, 255, 255, .95); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.toc-list { display: flex; gap: 8px; overflow-x: auto; padding: 12px 0; scrollbar-width: none; }
.toc-list::-webkit-scrollbar { display: none; }
.toc-list li { flex: none; }
.toc-list a {
  display: inline-block; padding: 6px 14px; border-radius: 999px;
  background: var(--bg-soft); border: 1px solid var(--line);
  font-size: 14px; font-weight: 500; text-decoration: none; white-space: nowrap;
}
.toc-list a:hover { background: var(--mint-t); border-color: var(--mint); color: var(--mint-d); }

/* 섹션 공통 */
.sec { padding: 72px 0; scroll-margin-top: 60px; }
.sec-tint { background: var(--bg-soft); }
.sec .wrap > * + * { margin-top: 18px; }
.sec-h { display: flex; align-items: center; gap: 14px; font-weight: 400; margin-bottom: 26px; }
.sec-no {
  flex: none; display: inline-flex; align-items: center; justify-content: center;
  width: 52px; height: 52px; border-radius: 14px;
  font-family: var(--head); font-size: 22px;
}
.no-mint { background: var(--mint); color: #fff; }
.no-sun { background: var(--sun); color: var(--ink); }
.no-pink { background: var(--pink); color: #fff; }
.sec-t { font-family: var(--head); font-size: 32px; line-height: 1.35; }
.lead { font-size: 17px; }
.sec p { color: var(--ink); }

.note { padding: 18px 22px; border-radius: 0 var(--r) var(--r) 0; border-left: 6px solid; }
.note-mint { background: var(--mint-t); border-color: var(--mint); }
.note-sun { background: var(--sun-t); border-color: var(--sun); }
.note-pink { background: var(--pink-t); border-color: var(--pink); }

/* 01 비교 막대 */
.split { display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr); gap: 24px; align-items: center; }
.block { padding: 24px; border-radius: var(--r); }
.block-sun { background: var(--sun-t); }
.compare { display: grid; gap: 14px; }
.cmp-row { display: grid; gap: 6px; }
.cmp-lab { font-size: 14px; font-weight: 700; color: var(--ink-2); }
.cmp-bar { display: flex; align-items: center; height: 44px; border-radius: 12px; padding: 0 16px; font-weight: 700; font-size: 15px; }
.bar-full { width: 100%; background: var(--mint); color: #fff; }
.bar-less { width: 72%; min-width: 150px; background: var(--mint-t); color: var(--mint-d); border: 2px dashed var(--mint); }
.bar-pay { width: 100%; background: var(--pink); color: #fff; }

/* 02 누가 찾나 */
.who { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; }
.who-card { display: flex; align-items: center; gap: 14px; padding: 18px; border-radius: var(--r); background: #fff; border: 2px solid; }
.who-ico {
  flex: none; display: inline-flex; align-items: center; justify-content: center;
  width: 54px; height: 54px; border-radius: 50%;
  font-family: var(--head); font-size: 15px;
}
.who-t { font-weight: 500; font-size: 15px; line-height: 1.5; }
.who-mint { border-color: var(--mint); }
.who-mint .who-ico { background: var(--mint-t); color: var(--mint-d); }
.who-sun { border-color: var(--sun); }
.who-sun .who-ico { background: var(--sun-t); color: var(--sun-d); }
.who-pink { border-color: var(--pink); }
.who-pink .who-ico { background: var(--pink-t); color: var(--pink-d); }

/* 03 결제 흐름 */
.flow { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; counter-reset: none; }
.flow-card { position: relative; padding: 24px; border-radius: var(--r); background: #fff; border: 2px solid; }
.flow-card p { font-size: 15px; }
.flow-num { display: block; font-family: var(--head); font-size: 44px; line-height: 1; }
.flow-t { font-family: var(--head); font-weight: 400; font-size: 24px; margin: 8px 0 10px; }
.fc-mint { border-color: var(--mint); }
.fc-mint .flow-num { color: var(--mint); }
.fc-sun { border-color: var(--sun); }
.fc-sun .flow-num { color: #E0A800; }
.fc-pink { border-color: var(--pink); }
.fc-pink .flow-num { color: var(--pink); }

/* 04 체크 vs 신용 */
.vs { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.vs-card { display: flex; flex-direction: column; gap: 4px; padding: 24px; border-radius: var(--r); }
.vs-tag { font-size: 14px; font-weight: 700; }
.vs-big { font-family: var(--head); font-size: 32px; line-height: 1.3; }
.vs-sub { font-size: 14px; }
.vs-check { background: var(--mint-t); color: var(--mint-d); }
.vs-check .vs-big { color: var(--mint); }
.vs-credit { background: var(--pink-t); color: var(--pink-d); }
.vs-credit .vs-big { color: var(--pink); }

/* 05 오해 */
.myths { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.myth { display: flex; gap: 14px; padding: 20px; border-radius: var(--r); background: #fff; border: 1px solid var(--line); }
.myth-n {
  flex: none; display: inline-flex; align-items: center; justify-content: center;
  width: 40px; height: 40px; border-radius: 50%;
  font-family: var(--head); font-size: 18px;
}
.myth:nth-child(3n+1) .myth-n { background: var(--mint); color: #fff; }
.myth:nth-child(3n+2) .myth-n { background: var(--sun); color: var(--ink); }
.myth:nth-child(3n) .myth-n { background: var(--pink); color: #fff; }
.myth-body { min-width: 0; }
.myth-q { font-weight: 700; font-size: 16px; text-decoration: line-through; text-decoration-color: rgba(255, 107, 154, .55); text-decoration-thickness: 2px; color: var(--ink-2); }
.myth-a { font-size: 15px; margin-top: 6px; }

/* 06 광고 채널 */
.channels { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; }
.ch { display: flex; align-items: center; justify-content: center; min-height: 58px; padding: 10px 14px; border-radius: 14px; font-weight: 700; font-size: 15px; text-align: center; }
.ch-mint { background: var(--mint-t); color: var(--mint-d); }
.ch-sun { background: var(--sun-t); color: var(--sun-d); }
.ch-pink { background: var(--pink-t); color: var(--pink-d); }

/* 07 경고 신호 */
.signs { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.sign { display: flex; align-items: flex-start; gap: 12px; padding: 16px 18px; border-radius: 14px; background: #fff; border: 2px solid var(--pink-t); }
.sign-dot {
  flex: none; display: inline-flex; align-items: center; justify-content: center;
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--pink); color: #fff; font-family: var(--head); font-size: 16px; margin-top: 2px;
}
.sign-t { font-size: 15px; font-weight: 500; line-height: 1.6; }

/* 08 해외 */
.world { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.country { display: flex; flex-direction: column; gap: 6px; padding: 24px; border-radius: var(--r); background: #fff; border-top: 8px solid; box-shadow: 0 0 0 1px var(--line) inset; }
.country p { font-size: 15px; margin-top: 6px; }
.cn-name { font-family: var(--head); font-size: 28px; line-height: 1.2; }
.cn-word { align-self: flex-start; font-size: 13px; font-weight: 700; padding: 3px 12px; border-radius: 999px; }
.cn-mint { border-top-color: var(--mint); }
.cn-mint .cn-word { background: var(--mint-t); color: var(--mint-d); }
.cn-sun { border-top-color: var(--sun); }
.cn-sun .cn-word { background: var(--sun-t); color: var(--sun-d); }
.cn-pink { border-top-color: var(--pink); }
.cn-pink .cn-word { background: var(--pink-t); color: var(--pink-d); }

/* 09 순서 */
.steps { display: grid; gap: 14px; }
.step { display: flex; gap: 18px; align-items: flex-start; padding: 20px 22px; border-radius: var(--r); background: #fff; border: 1px solid var(--line); }
.step-n {
  flex: none; display: inline-flex; align-items: center; justify-content: center;
  min-width: 86px; height: 44px; padding: 0 12px; border-radius: 12px;
  font-family: var(--head); font-size: 18px;
}
.step-body { min-width: 0; }
.step-t { font-size: 18px; font-weight: 700; margin-bottom: 4px; }
.step p { font-size: 15px; }
.st-mint .step-n { background: var(--mint); color: #fff; }
.st-sun .step-n { background: var(--sun); color: var(--ink); }
.st-pink .step-n { background: var(--pink); color: #fff; }

/* 10 상품 */
.prods { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.prod { display: flex; flex-direction: column; gap: 4px; padding: 24px; border-radius: var(--r); }
.prod-name { font-size: 15px; font-weight: 700; }
.prod-num { font-family: var(--head); font-size: 38px; line-height: 1.2; }
.prod-sub { font-size: 14px; }
.pd-mint { background: var(--mint-t); color: var(--mint-d); }
.pd-mint .prod-num { color: var(--mint); }
.pd-sun { background: var(--sun-t); color: var(--sun-d); }
.pd-sun .prod-num { color: #E0A800; }
.pd-pink { background: var(--pink-t); color: var(--pink-d); }
.pd-pink .prod-num { color: var(--pink); }

/* 11 FAQ */
.faq { display: grid; gap: 12px; }
.qa { border-radius: var(--r); background: #fff; border: 2px solid var(--line); overflow: hidden; }
.qa[open] { border-color: var(--mint); }
.qa summary {
  display: flex; align-items: center; gap: 12px;
  padding: 18px 20px; cursor: pointer; list-style: none;
  font-weight: 700; font-size: 16px;
}
.qa summary::-webkit-details-marker { display: none; }
.qa summary::after { content: "+"; margin-left: auto; flex: none; font-family: var(--head); font-size: 24px; color: var(--mint); }
.qa[open] summary::after { content: "−"; }
.q-mark {
  flex: none; display: inline-flex; align-items: center; justify-content: center;
  width: 32px; height: 32px; border-radius: 10px;
  background: var(--sun); color: var(--ink); font-family: var(--head); font-size: 16px;
}
.q-t { min-width: 0; }
.qa p { padding: 0 20px 20px 64px; font-size: 15px; }

/* 도움 번호 */
.help { padding: 0 0 72px; }
.help-list { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; }
.help-card { display: flex; flex-direction: column; align-items: center; gap: 2px; padding: 22px 12px; border-radius: var(--r); text-align: center; }
.help-num { font-family: var(--head); font-size: 36px; line-height: 1.2; }
.help-lab { font-size: 14px; font-weight: 500; }
.hc-mint { background: var(--mint); color: #fff; }
.hc-sun { background: var(--sun); color: var(--ink); }
.hc-pink { background: var(--pink); color: #fff; }

/* 하단 */
.foot { background: var(--ink); color: #D8D8E6; padding: 40px 0; font-size: 14px; line-height: 1.8; }
.foot .wrap > * + * { margin-top: 10px; }
.foot-logo { font-family: var(--head); font-size: 20px; color: #fff; }
.foot-copy { color: #9A9AB2; font-size: 13px; }

/* 반응형 */
@media (max-width: 900px) {
  .hero-in { grid-template-columns: minmax(0, 1fr); gap: 28px; }
  .hero-stats { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .stat { padding: 16px; }
  .stat-num { font-size: 24px; }
  .stat-lab { font-size: 13px; }
  .split { grid-template-columns: minmax(0, 1fr); }
  .flow, .world, .prods { grid-template-columns: minmax(0, 1fr); }
  .who { grid-template-columns: minmax(0, 1fr); }
}
@media (max-width: 640px) {
  .wrap { padding: 0 16px; }
  .top-tag { display: none; }
  .hero { padding: 36px 0 32px; }
  .hero h1 { font-size: 32px; }
  .hero-lead { font-size: 16px; }
  .hero-stats { grid-template-columns: minmax(0, 1fr); }
  .stat { flex-direction: row; align-items: baseline; justify-content: space-between; gap: 12px; }
  .stat-num { font-size: 26px; }
  .btn { flex: 1 1 100%; }
  .sec { padding: 52px 0; }
  .sec-h { gap: 12px; margin-bottom: 18px; }
  .sec-no { width: 44px; height: 44px; font-size: 18px; }
  .sec-t { font-size: 24px; }
  .lead { font-size: 16px; }
  .myths, .signs, .vs { grid-template-columns: minmax(0, 1fr); }
  .channels { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .vs-big { font-size: 26px; }
  .prod-num { font-size: 32px; }
  .step { flex-direction: column; gap: 10px; padding: 18px; }
  .qa summary { padding: 16px; font-size: 15px; }
  .qa p { padding: 0 16px 18px 16px; }
  .help-list { grid-template-columns: minmax(0, 1fr); }
  .help-card { flex-direction: row; justify-content: space-between; padding: 16px 20px; }
  .help-num { font-size: 28px; }
}