:root {
  --primary: #5b5bf5;
  --primary-dark: #4040d0;
  --accent: #22d3a8;
  --bg: #f7f8fc;
  --text: #1c1e2b;
  --text-muted: #6b7086;
  --border: #e6e8f0;
  --danger: #ef4444;
  --warning: #f59e0b;
  --success: #22c55e;
  --radius: 14px;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', 'Malgun Gothic', sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
}

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

.container {
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 20px;
}

/* Header */
header.site-header {
  background: #fff;
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}
.logo {
  font-weight: 800;
  font-size: 20px;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.nav-links { display: flex; gap: 28px; align-items: center; }
.nav-links a { font-weight: 600; color: var(--text-muted); font-size: 15px; }
.nav-links a:hover { color: var(--primary); }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 22px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 15px;
  cursor: pointer;
  border: none;
  transition: transform .15s ease, box-shadow .15s ease, opacity .15s ease;
}
.btn-primary {
  background: linear-gradient(135deg, var(--primary), #7c6bf0);
  color: #fff;
  box-shadow: 0 8px 20px rgba(91,91,245,.25);
}
.btn-primary:hover { transform: translateY(-1px); box-shadow: 0 10px 24px rgba(91,91,245,.35); }
.btn-outline {
  background: #fff;
  color: var(--primary);
  border: 1.5px solid var(--primary);
}
.btn-sm { padding: 8px 16px; font-size: 13px; }
.btn:disabled { opacity: .5; cursor: not-allowed; }

/* Hero */
.hero {
  background: radial-gradient(circle at 20% -10%, rgba(91,91,245,.18), transparent 45%),
              radial-gradient(circle at 90% 10%, rgba(34,211,168,.18), transparent 40%),
              linear-gradient(180deg, #ffffff 0%, #f7f8fc 100%);
  padding: 84px 0 64px;
}
.hero h1 {
  font-size: 42px;
  font-weight: 800;
  margin: 0 0 16px;
  letter-spacing: -0.5px;
}
.hero p {
  font-size: 17px;
  color: var(--text-muted);
  margin: 0 0 32px;
  max-width: 560px;
}
.hero-actions { display: flex; gap: 12px; }

.badge-row { display: flex; gap: 10px; margin-top: 40px; flex-wrap: wrap; }
.badge {
  background: #fff;
  border: 1px solid var(--border);
  padding: 8px 16px;
  border-radius: 999px;
  font-size: 13px;
  font-weight: 700;
  color: var(--text-muted);
}

/* Cards */
.section { padding: 64px 0; }
.section-title {
  font-size: 26px;
  font-weight: 800;
  margin-bottom: 8px;
}
.section-sub { color: var(--text-muted); margin-bottom: 36px; }

.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
}
.card h3 { margin: 0 0 8px; font-size: 18px; }
.card p { color: var(--text-muted); font-size: 14px; margin: 0; }
.card .rate {
  font-size: 30px;
  font-weight: 800;
  color: var(--primary);
  margin: 14px 0 4px;
}

.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.step {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px;
  text-align: center;
}
.step .num {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800;
  margin: 0 auto 12px;
}

/* Forms */
.form-wrap {
  max-width: 560px;
  margin: 0 auto;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
}
.form-group { margin-bottom: 18px; }
.form-group label {
  display: block;
  font-weight: 700;
  font-size: 14px;
  margin-bottom: 6px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  font-size: 15px;
  font-family: inherit;
  background: #fbfbfe;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--primary);
  background: #fff;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.hint { font-size: 12px; color: var(--text-muted); margin-top: 6px; }
.form-submit { width: 100%; margin-top: 8px; padding: 14px; font-size: 16px; }

.alert {
  padding: 14px 16px;
  border-radius: 10px;
  font-size: 14px;
  font-weight: 600;
  margin-bottom: 18px;
}
.alert-error { background: #fef2f2; color: #b91c1c; }
.alert-success { background: #ecfdf5; color: #047857; }

.result-box {
  background: #f7f8fc;
  border: 1px dashed var(--primary);
  border-radius: 12px;
  padding: 24px;
  text-align: center;
}
.result-box .app-number {
  font-size: 24px;
  font-weight: 800;
  color: var(--primary);
  letter-spacing: 1px;
  margin: 8px 0;
}

.status-badge {
  display: inline-block;
  padding: 6px 14px;
  border-radius: 999px;
  font-size: 13px;
  font-weight: 700;
}
.status-pending { background: #fef3c7; color: #92400e; }
.status-approved { background: #dbeafe; color: #1e40af; }
.status-paid { background: #dcfce7; color: #166534; }
.status-rejected { background: #fee2e2; color: #991b1b; }

/* Footer */
footer.site-footer {
  background: #14151f;
  color: #9a9db3;
  padding: 48px 0 32px;
  margin-top: 40px;
}
footer.site-footer .foot-top {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 32px;
  margin-bottom: 24px;
}
footer.site-footer h4 { color: #fff; font-size: 15px; margin: 0 0 12px; }
footer.site-footer .foot-links a { display: block; color: #9a9db3; font-size: 13px; margin-bottom: 8px; }
footer.site-footer .foot-links a:hover { color: #fff; }
footer.site-footer .biz-info { font-size: 12.5px; line-height: 1.9; border-top: 1px solid #2a2c3d; padding-top: 20px; }
footer.site-footer .logo { color: #fff; -webkit-background-clip: unset; background: none; }

@media (max-width: 860px) {
  .card-grid, .steps { grid-template-columns: 1fr 1fr; }
  .hero h1 { font-size: 30px; }
  .nav-links { display: none; }
  footer.site-footer .foot-top { flex-direction: column; }
}
@media (max-width: 560px) {
  .card-grid, .steps, .form-row { grid-template-columns: 1fr; }
}

.table-wrap { overflow-x: auto; }
table { width: 100%; border-collapse: collapse; font-size: 14px; }
table th, table td { padding: 12px; text-align: left; border-bottom: 1px solid var(--border); white-space: nowrap; }
table th { color: var(--text-muted); font-weight: 700; background: #fbfbfe; }