/* ============================================================
   Easy Trust Now — v4 · Professional / Classy / Modern
   ============================================================ */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@500;600;700&family=DM+Sans:opsz,wght@9..40,400;9..40,500;9..40,600;9..40,700&display=swap');

:root {
  /* Palette: deep navy + warm gold + clean neutrals */
  --navy: #0A2F51;
  --navy-mid: #133E68;
  --navy-light: #D9E8F5;
  --navy-lighter: #EEF4FA;
  --gold: #B8943E;
  --gold-light: #F7F0DD;
  --gold-dark: #8A6E2D;
  --green: #1B7A5A;
  --green-bg: #E2F5ED;
  --warn: #8B4513;
  --warn-bg: #FEF3E2;
  --text: #1C1C1C;
  --text2: #4D4D4D;
  --text3: #8C8C8C;
  --border: #D4D4D4;
  --border-light: #EAEAEA;
  --bg: #FAFAF9;
  --bg2: #F4F4F2;
  --white: #FFFFFF;
  --serif: 'Playfair Display', Georgia, 'Times New Roman', serif;
  --sans: 'DM Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --radius: 16px;
  --radius-sm: 10px;
  --radius-xs: 6px;
  --shadow-xs: 0 1px 2px rgba(0,0,0,0.03);
  --shadow-sm: 0 2px 8px rgba(0,0,0,0.04), 0 0 1px rgba(0,0,0,0.06);
  --shadow-md: 0 6px 24px rgba(0,0,0,0.06), 0 2px 6px rgba(0,0,0,0.03);
  --shadow-lg: 0 12px 40px rgba(0,0,0,0.08);
  --transition: 0.25s cubic-bezier(0.4,0,0.2,1);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--sans);
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  line-height: 1.65;
  font-size: 16px;
}
a { color: var(--navy-mid); }
.wrap { max-width: 840px; margin: 0 auto; padding: 0 40px; }

/* ============================================================
   NAVIGATION — fits 7 links comfortably
   ============================================================ */
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
  position: sticky;
  top: 0;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(16px) saturate(180%);
  -webkit-backdrop-filter: blur(16px) saturate(180%);
  z-index: 100;
  border-bottom: 1px solid rgba(0,0,0,0.06);
}
.nav-brand {
  font-family: var(--serif);
  font-size: 19px;
  font-weight: 700;
  color: var(--navy);
  text-decoration: none;
  letter-spacing: -0.3px;
  white-space: nowrap;
  flex-shrink: 0;
}
.nav-links {
  display: flex;
  gap: 6px;
  font-size: 13px;
  align-items: center;
}
.nav-links a {
  text-decoration: none;
  color: var(--text2);
  font-weight: 500;
  transition: all var(--transition);
  padding: 7px 12px;
  border-radius: var(--radius-xs);
  white-space: nowrap;
}
.nav-links a:hover {
  color: var(--navy);
  background: var(--navy-lighter);
}
.nav-links a.active {
  color: var(--navy);
  font-weight: 600;
  background: var(--navy-lighter);
}
.lang-switch {
  font-size: 13px;
  padding: 7px 16px;
  border-radius: 24px;
  background: var(--navy);
  color: var(--white);
  text-decoration: none;
  font-weight: 600;
  transition: all var(--transition);
  white-space: nowrap;
  flex-shrink: 0;
}
.lang-switch:hover {
  background: var(--navy-mid);
}
.nav-mobile-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 22px;
  cursor: pointer;
  color: var(--text);
  padding: 8px;
  line-height: 1;
  border-radius: var(--radius-xs);
}
.nav-mobile-toggle:hover { background: var(--bg2); }

/* Mobile language toggle — visible only on mobile, next to hamburger */
.lang-mobile {
  display: none;
  font-family: var(--sans);
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  text-decoration: none;
  padding: 6px 14px;
  border: 1.5px solid var(--navy);
  border-radius: 20px;
  letter-spacing: 0.3px;
  white-space: nowrap;
}
.lang-mobile:hover { background: var(--navy); color: var(--white); }
.nav-menu { display: flex; align-items: center; gap: 16px; }

@media (max-width: 900px) {
  .nav-links { gap: 2px; }
  .nav-links a { padding: 7px 8px; font-size: 12px; }
}
@media (max-width: 768px) {
  .wrap { padding: 0 24px; }
  .nav-mobile-toggle { display: block; }
  .nav-menu {
    display: none;
    flex-direction: column;
    position: fixed;
    top: 0;
    right: 0;
    bottom: 0;
    width: 280px;
    background: var(--white);
    padding: 80px 32px 40px;
    box-shadow: var(--shadow-lg);
    gap: 8px;
    align-items: stretch;
    z-index: 200;
  }
  .nav-menu.open { display: flex; }
  .nav-links { flex-direction: column; gap: 4px; }
  .nav-links a { padding: 14px 16px; font-size: 15px; border-radius: var(--radius-sm); }
  .lang-switch { text-align: center; margin-top: 12px; padding: 14px; font-size: 15px; border-radius: var(--radius-sm); }
  .lang-mobile { display: inline-block; }
}

/* ============================================================
   HERO — sophisticated with subtle gold accent line
   ============================================================ */
.hero {
  padding: 80px 0 60px;
  border-bottom: 1px solid var(--border-light);
  position: relative;
}
.hero::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 60px;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  border-radius: 2px;
}
.hero-label {
  font-size: 11px;
  font-weight: 700;
  color: var(--gold-dark);
  letter-spacing: 2.5px;
  margin-bottom: 20px;
  text-transform: uppercase;
}
.hero h1 {
  font-family: var(--serif);
  font-size: 42px;
  font-weight: 700;
  line-height: 1.15;
  margin-bottom: 24px;
  letter-spacing: -0.5px;
  color: var(--navy);
}
.hero p {
  font-size: 18px;
  color: var(--text2);
  line-height: 1.8;
  max-width: 600px;
}

/* ============================================================
   SECTIONS
   ============================================================ */
.section {
  padding: 72px 0;
  border-bottom: 1px solid var(--border-light);
}
.section:last-of-type { border-bottom: none; }
.section-label {
  font-size: 10px;
  font-weight: 700;
  color: var(--gold-dark);
  letter-spacing: 2.5px;
  margin-bottom: 32px;
  text-transform: uppercase;
}
.section h2 {
  font-family: var(--serif);
  font-size: 30px;
  font-weight: 600;
  margin-bottom: 22px;
  letter-spacing: -0.3px;
  line-height: 1.25;
  color: var(--navy);
}
.section p {
  font-size: 16px;
  color: var(--text2);
  line-height: 1.85;
  margin-bottom: 20px;
}
.section p:last-child { margin-bottom: 0; }

/* ============================================================
   BUTTONS — refined with micro-interactions
   ============================================================ */
.btn-primary {
  display: inline-block;
  padding: 16px 40px;
  border-radius: 50px;
  background: var(--navy);
  color: var(--white);
  font-size: 14px;
  font-weight: 600;
  border: none;
  cursor: pointer;
  text-decoration: none;
  transition: all var(--transition);
  letter-spacing: 0.3px;
}
.btn-primary:hover {
  background: var(--navy-mid);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(10,47,81,0.25);
}
.btn-outline {
  display: inline-block;
  padding: 16px 40px;
  border-radius: 50px;
  background: transparent;
  border: 1.5px solid var(--border);
  color: var(--text);
  font-size: 14px;
  font-weight: 500;
  cursor: pointer;
  text-decoration: none;
  transition: all var(--transition);
}
.btn-outline:hover {
  border-color: var(--navy);
  color: var(--navy);
  background: var(--navy-lighter);
}
.btn-primary-full {
  display: block;
  width: 100%;
  text-align: center;
  padding: 18px;
  border-radius: 50px;
  background: var(--navy);
  color: var(--white);
  font-size: 15px;
  font-weight: 600;
  border: none;
  cursor: pointer;
  transition: all var(--transition);
}
.btn-primary-full:hover {
  background: var(--navy-mid);
  box-shadow: 0 4px 16px rgba(10,47,81,0.2);
}

/* ============================================================
   CARDS — elegant with subtle depth
   ============================================================ */
.card {
  border: 1px solid var(--border-light);
  border-radius: var(--radius);
  padding: 44px;
  margin-bottom: 28px;
  background: var(--white);
  transition: all var(--transition);
}
.card:hover { box-shadow: var(--shadow-md); border-color: var(--border); }
.card.featured {
  border: 2px solid var(--navy);
  box-shadow: var(--shadow-sm);
  background: linear-gradient(180deg, var(--white) 0%, var(--navy-lighter) 100%);
}
.card h2 { font-size: 24px; }

/* ============================================================
   CALLOUTS — refined with gold accent
   ============================================================ */
.callout {
  background: var(--navy-lighter);
  border-left: 4px solid var(--gold);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 24px 28px;
  margin: 32px 0;
}
.callout p { font-size: 15px; color: var(--navy); line-height: 1.8; margin: 0; }
.callout-warn {
  background: var(--warn-bg);
  border-left: 4px solid var(--warn);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 24px 28px;
  margin: 32px 0;
}
.callout-warn p { font-size: 15px; color: var(--warn); line-height: 1.8; margin: 0; }

/* ============================================================
   FORMS
   ============================================================ */
.form-group { margin-bottom: 32px; }
.form-label { display: block; font-size: 13px; font-weight: 600; color: var(--text); margin-bottom: 10px; text-transform: uppercase; letter-spacing: 0.5px; }
.form-label-ko { font-size: 12px; color: var(--text3); font-weight: 400; text-transform: none; letter-spacing: 0; margin-left: 6px; }
.form-input {
  width: 100%;
  padding: 14px 20px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 15px;
  font-family: inherit;
  color: var(--text);
  background: var(--white);
  outline: none;
  transition: all var(--transition);
}
.form-input:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 4px rgba(10,47,81,0.06);
}
.form-input::placeholder { color: #B8B8B8; }
textarea.form-input { min-height: 120px; resize: vertical; }
.form-select { width: 100%; padding: 14px 20px; border: 1.5px solid var(--border); border-radius: var(--radius-sm); font-size: 15px; font-family: inherit; color: var(--text); background: var(--white); outline: none; appearance: auto; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.form-row-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 24px; }
.form-hint { font-size: 12px; color: var(--text3); margin-top: 8px; line-height: 1.6; }
.form-required { color: #C0392B; }
.radio-group { display: flex; flex-direction: column; gap: 16px; }
.radio-option { display: flex; align-items: center; gap: 12px; font-size: 15px; color: var(--text2); }
.radio-option input[type="radio"] { width: 18px; height: 18px; flex-shrink: 0; accent-color: var(--navy); }
.checkbox-option { display: flex; align-items: flex-start; gap: 12px; font-size: 15px; color: var(--text2); margin-bottom: 16px; }
.checkbox-option input[type="checkbox"] { width: 18px; height: 18px; flex-shrink: 0; margin-top: 3px; accent-color: var(--navy); }
.checkbox-group { display: flex; gap: 12px; align-items: flex-start; margin-bottom: 24px; }
.checkbox-group input[type="checkbox"] { margin-top: 4px; flex-shrink: 0; width: 18px; height: 18px; accent-color: var(--navy); }
.checkbox-group label { font-size: 14px; color: var(--text2); line-height: 1.7; }

/* ============================================================
   BADGES
   ============================================================ */
.badge { display: inline-block; font-size: 11px; font-weight: 700; padding: 6px 16px; border-radius: 24px; letter-spacing: 0.5px; text-transform: uppercase; }
.badge-pop { color: var(--navy); background: var(--navy-light); }
.badge-warn { color: var(--warn); background: var(--warn-bg); }

/* ============================================================
   CHECK LISTS
   ============================================================ */
.check-list { list-style: none; }
.check-list li { font-size: 15px; color: var(--text2); line-height: 2.4; padding-left: 32px; position: relative; }
.check-list li::before { content: "✓"; position: absolute; left: 0; color: var(--green); font-weight: 700; font-size: 16px; }

/* ============================================================
   KOREAN BLOCKS — warm background
   ============================================================ */
.ko-block { background: var(--bg); border-radius: var(--radius); padding: 40px; border: 1px solid var(--border-light); }
.ko-block h3 { font-family: var(--serif); font-size: 24px; font-weight: 600; margin-bottom: 16px; color: var(--navy); }
.ko-block p { font-size: 16px; color: var(--text2); line-height: 1.85; margin-bottom: 16px; }
.ko-block p:last-child { margin-bottom: 0; }
.ko-companion { background: var(--bg); border-radius: var(--radius-sm); padding: 26px 30px; margin-top: 32px; border: 1px solid var(--border-light); }
.ko-companion p { font-size: 15px; color: var(--text2); line-height: 1.8; margin-bottom: 12px; }
.ko-companion p:last-child { margin-bottom: 0; }

/* ============================================================
   FAQ ACCORDIONS
   ============================================================ */
details { border-bottom: 1px solid var(--border-light); }
details:last-child { border-bottom: none; }
summary { padding: 28px 0; font-size: 17px; font-weight: 500; color: var(--text); cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 24px; transition: color var(--transition); }
summary:hover { color: var(--navy-mid); }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; font-size: 18px; font-weight: 300; color: var(--text3); flex-shrink: 0; width: 36px; height: 36px; display: flex; align-items: center; justify-content: center; border-radius: 50%; background: var(--bg2); transition: all var(--transition); border: 1px solid var(--border-light); }
details[open] summary::after { content: "−"; background: var(--navy); color: var(--white); border-color: var(--navy); }
.faq-answer { padding: 0 0 32px; font-size: 15px; color: var(--text2); line-height: 1.85; }
.faq-answer p { margin-bottom: 16px; }
.faq-answer p:last-child { margin-bottom: 0; }
.faq-answer .note, .faq-answer .ko { font-size: 14px; background: var(--bg); border-radius: var(--radius-sm); padding: 20px 24px; margin-top: 16px; line-height: 1.75; border: 1px solid var(--border-light); }
.faq-answer .note { color: var(--text3); }
.faq-answer .ko { color: var(--text2); }

/* ============================================================
   CTA BOXES
   ============================================================ */
.cta-section { padding: 72px 0; }
.cta-box { border-radius: var(--radius); padding: 56px 52px; text-align: center; margin-bottom: 28px; }
.cta-box h3 { font-family: var(--serif); font-size: 30px; font-weight: 600; margin-bottom: 16px; color: var(--navy); }
.cta-box p { font-size: 16px; color: var(--text2); margin-bottom: 36px; line-height: 1.8; max-width: 500px; margin-left: auto; margin-right: auto; }
.cta-box.primary { border: 2px solid var(--navy); background: linear-gradient(180deg, var(--white) 60%, var(--navy-lighter) 100%); }
.cta-box.secondary { background: var(--bg); border: 1px solid var(--border-light); }
.cta-buttons { display: flex; gap: 18px; justify-content: center; flex-wrap: wrap; }

/* ============================================================
   VALUES / FEATURE GRID
   ============================================================ */
.values-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 28px; }
.value-item { background: var(--white); border-radius: var(--radius); padding: 36px; border: 1px solid var(--border-light); transition: all var(--transition); }
.value-item:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); border-color: var(--border); }
.value-item h3 { font-size: 16px; font-weight: 700; margin-bottom: 12px; color: var(--navy); }
.value-item p { font-size: 14px; color: var(--text2); line-height: 1.75; margin: 0; }

/* ============================================================
   CREDENTIALS
   ============================================================ */
.credentials { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 24px; margin-top: 40px; }
.cred-card { background: var(--white); border-radius: var(--radius); padding: 32px; border: 1px solid var(--border-light); transition: all var(--transition); }
.cred-card:hover { box-shadow: var(--shadow-sm); }
.cred-card .cred-label { font-size: 9px; font-weight: 700; color: var(--gold-dark); letter-spacing: 2px; margin-bottom: 14px; text-transform: uppercase; }
.cred-card .cred-value { font-family: var(--serif); font-size: 18px; font-weight: 600; color: var(--navy); line-height: 1.35; }
.cred-card .cred-detail { font-size: 13px; color: var(--text3); margin-top: 8px; }

/* ============================================================
   CONTACT INFO — email overflow fix
   ============================================================ */
.contact-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 24px; }
.contact-card { background: var(--white); border-radius: var(--radius); padding: 32px; border: 1px solid var(--border-light); overflow: hidden; }
.contact-card .contact-type { font-size: 9px; font-weight: 700; color: var(--gold-dark); letter-spacing: 2px; margin-bottom: 14px; text-transform: uppercase; }
.contact-card .contact-value { font-size: 16px; font-weight: 600; color: var(--navy); margin-bottom: 8px; word-break: break-word; overflow-wrap: break-word; }
.contact-card .contact-detail { font-size: 13px; color: var(--text3); line-height: 1.6; }

/* ============================================================
   OPTIONS CARDS
   ============================================================ */
.options { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 28px; }
.option-card { border-radius: var(--radius); padding: 44px; }
.option-card.primary { border: 2px solid var(--navy); background: linear-gradient(180deg, var(--white) 70%, var(--navy-lighter) 100%); }
.option-card.secondary { border: 1px solid var(--border-light); background: var(--bg); }
.option-card h2 { font-size: 22px; font-weight: 600; margin-bottom: 12px; color: var(--navy); }
.option-card .option-sub { font-size: 15px; color: var(--text2); line-height: 1.8; margin-bottom: 28px; }
.option-tag { display: inline-block; font-size: 9px; font-weight: 700; padding: 6px 16px; border-radius: 24px; margin-bottom: 20px; text-transform: uppercase; letter-spacing: 1.5px; }
.option-tag.ready { color: var(--navy); background: var(--navy-light); }
.option-tag.question { color: var(--text3); background: var(--bg2); }

/* ============================================================
   COMPARE TABLE
   ============================================================ */
.compare-table { width: 100%; border-collapse: collapse; font-size: 14px; }
.compare-table th { text-align: center; padding: 18px 10px; font-weight: 600; color: var(--navy); border-bottom: 2px solid var(--navy-light); font-size: 13px; text-transform: uppercase; letter-spacing: 0.5px; }
.compare-table th:first-child { text-align: left; text-transform: none; letter-spacing: 0; color: var(--text2); font-weight: 400; }
.compare-table td { padding: 18px 10px; border-bottom: 1px solid var(--border-light); color: var(--text2); }
.compare-table td:not(:first-child) { text-align: center; }
.compare-table .yes { color: var(--green); font-weight: 700; font-size: 18px; }
.compare-table .no { color: var(--text3); }
.compare-table tr:last-child td { font-weight: 600; color: var(--navy); border-bottom: none; padding-top: 24px; }

/* ============================================================
   TESTIMONIALS — elegant quote styling
   ============================================================ */
.testimonial { padding: 52px 0; border-bottom: 1px solid var(--border-light); }
.testimonial:last-child { border-bottom: none; }
.testimonial-quote { font-family: var(--serif); font-size: 19px; color: var(--text); line-height: 1.8; margin-bottom: 32px; position: relative; padding-left: 36px; font-style: italic; }
.testimonial-quote::before { content: "\\201C"; position: absolute; left: -4px; top: -16px; font-size: 72px; color: var(--gold-light); font-family: Georgia, serif; font-style: normal; line-height: 1; }
.testimonial-attr { display: flex; align-items: center; gap: 18px; }
.testimonial-avatar { width: 52px; height: 52px; border-radius: 50%; background: linear-gradient(135deg, var(--navy-light), var(--navy-lighter)); display: flex; align-items: center; justify-content: center; font-size: 15px; font-weight: 700; color: var(--navy); flex-shrink: 0; border: 2px solid var(--white); box-shadow: var(--shadow-sm); }
.testimonial-name { font-size: 16px; font-weight: 600; color: var(--text); }
.testimonial-detail { font-size: 13px; color: var(--text3); margin-top: 4px; }
.testimonial-ko { font-size: 15px; color: var(--text2); background: var(--bg); border-radius: var(--radius-sm); padding: 24px 28px; margin-top: 28px; line-height: 1.85; font-style: italic; border: 1px solid var(--border-light); }

/* VIDEO */
.video-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 32px; }
.video-card { border-radius: var(--radius); overflow: hidden; border: 1px solid var(--border-light); transition: all var(--transition); background: var(--white); }
.video-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.video-placeholder { background: linear-gradient(135deg, #0A2F51, #1a4a7a); aspect-ratio: 16/9; display: flex; flex-direction: column; align-items: center; justify-content: center; position: relative; }
.play-btn { width: 68px; height: 68px; border-radius: 50%; background: rgba(255,255,255,0.95); display: flex; align-items: center; justify-content: center; cursor: pointer; transition: transform var(--transition); box-shadow: 0 4px 24px rgba(0,0,0,0.2); }
.play-btn:hover { transform: scale(1.1); }
.play-btn svg { margin-left: 4px; }
.video-duration { position: absolute; bottom: 14px; right: 14px; font-size: 11px; color: #fff; background: rgba(0,0,0,0.5); padding: 4px 12px; border-radius: var(--radius-xs); }
.video-lang { position: absolute; top: 14px; left: 14px; font-size: 11px; font-weight: 700; color: #fff; background: rgba(0,0,0,0.4); padding: 4px 12px; border-radius: var(--radius-xs); }
.video-info { padding: 28px; }
.video-info .video-name { font-size: 18px; font-weight: 600; margin-bottom: 6px; }
.video-info .video-plan { font-size: 12px; color: var(--text3); margin-bottom: 14px; text-transform: uppercase; letter-spacing: 0.5px; }
.video-info .video-quote { font-size: 15px; color: var(--text2); line-height: 1.7; font-style: italic; }

/* STATS BAR */
.stats-bar { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 24px; }
.stat-card { background: var(--white); border-radius: var(--radius); padding: 36px 28px; text-align: center; border: 1px solid var(--border-light); }
.stat-num { font-family: var(--serif); font-size: 42px; font-weight: 700; color: var(--navy); margin-bottom: 8px; line-height: 1; }
.stat-label { font-size: 13px; color: var(--text3); text-transform: uppercase; letter-spacing: 0.5px; }

/* ============================================================
   TIMELINE
   ============================================================ */
.step { display: flex; gap: 32px; margin-bottom: 56px; }
.step:last-child { margin-bottom: 0; }
.step-marker { display: flex; flex-direction: column; align-items: center; flex-shrink: 0; }
.step-num { width: 52px; height: 52px; border-radius: 50%; background: var(--navy); color: var(--white); display: flex; align-items: center; justify-content: center; font-size: 18px; font-weight: 700; box-shadow: 0 4px 12px rgba(10,47,81,0.2); }
.step-line { width: 2px; flex-grow: 1; background: linear-gradient(to bottom, var(--navy-light), var(--border-light)); margin-top: 14px; }
.step:last-child .step-line { display: none; }
.step-content { padding-top: 12px; flex: 1; }
.step-content h3 { font-family: var(--serif); font-size: 21px; font-weight: 600; margin-bottom: 12px; color: var(--navy); }
.step-content p { font-size: 15px; color: var(--text2); line-height: 1.85; margin-bottom: 14px; }
.step-content p:last-child { margin-bottom: 0; }
.step-detail { font-size: 14px; color: var(--text3); background: var(--bg); border-radius: var(--radius-sm); padding: 20px 24px; margin-top: 16px; line-height: 1.7; border: 1px solid var(--border-light); }
.step-time { display: inline-block; font-size: 11px; font-weight: 700; color: var(--green); background: var(--green-bg); padding: 6px 18px; border-radius: 24px; margin-top: 14px; letter-spacing: 0.3px; }
.timeline-bar { display: flex; align-items: stretch; border-radius: var(--radius); overflow: hidden; border: 1px solid var(--border-light); }
.tbar-item { flex: 1; padding: 28px 16px; text-align: center; }
.tbar-item:nth-child(odd) { background: var(--navy-lighter); }
.tbar-item:nth-child(even) { background: var(--bg); }
.tbar-label { font-size: 9px; font-weight: 700; color: var(--text3); letter-spacing: 2px; margin-bottom: 8px; text-transform: uppercase; }
.tbar-value { font-family: var(--serif); font-size: 20px; font-weight: 700; color: var(--navy); }
.need-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 28px; }
.need-card { background: var(--white); border-radius: var(--radius); padding: 36px; border: 1px solid var(--border-light); }
.need-card h3 { font-size: 16px; font-weight: 700; margin-bottom: 12px; color: var(--navy); }
.need-card p { font-size: 14px; color: var(--text2); line-height: 1.75; margin: 0; }

/* ============================================================
   INTAKE / MISC
   ============================================================ */
.intake-disclaimer { background: var(--bg); border-radius: var(--radius-sm); padding: 26px 30px; margin-top: 32px; border: 1px solid var(--border-light); }
.intake-disclaimer p { font-size: 13px; color: var(--text3); line-height: 1.75; margin-bottom: 10px; }
.intake-disclaimer p:last-child { margin-bottom: 0; }
.toc { background: var(--bg); border-radius: var(--radius); padding: 36px 44px; margin-top: 8px; border: 1px solid var(--border-light); }
.toc-label { font-size: 9px; font-weight: 700; color: var(--gold-dark); letter-spacing: 2px; margin-bottom: 18px; text-transform: uppercase; }
.toc a { display: block; font-size: 15px; color: var(--navy-mid); text-decoration: none; line-height: 2.6; transition: color var(--transition); }
.toc a:hover { color: var(--navy); text-decoration: underline; }

/* ============================================================
   ARTICLES / BLOG
   ============================================================ */
.article-list { display: flex; flex-direction: column; }
.article-card { display: block; text-decoration: none; color: inherit; padding: 44px 28px; border-bottom: 1px solid var(--border-light); transition: all var(--transition); margin: 0 -28px; border-radius: var(--radius-sm); }
.article-card:first-child { padding-top: 12px; }
.article-card:last-child { border-bottom: none; }
.article-card:hover { background: var(--bg); }
.article-card .article-card-topic { font-size: 10px; font-weight: 700; color: var(--gold-dark); letter-spacing: 2px; text-transform: uppercase; margin-bottom: 14px; }
.article-card h2 { font-family: var(--serif); font-size: 24px; font-weight: 600; color: var(--navy); margin-bottom: 14px; line-height: 1.3; }
.article-card p { font-size: 15px; color: var(--text2); line-height: 1.8; margin-bottom: 18px; }
.article-card-meta { display: flex; justify-content: space-between; align-items: center; font-size: 13px; color: var(--text3); }

.article-list-sm { display: flex; flex-direction: column; }
.article-card-sm { display: flex; flex-direction: column; gap: 8px; text-decoration: none; padding: 24px 20px; border-bottom: 1px solid var(--border-light); transition: all var(--transition); margin: 0 -20px; border-radius: var(--radius-xs); }
.article-card-sm:last-child { border-bottom: none; }
.article-card-sm:hover { background: var(--bg); }
.article-card-sm .article-card-topic { font-size: 9px; font-weight: 700; color: var(--gold-dark); letter-spacing: 2px; text-transform: uppercase; }
.article-card-sm-title { font-family: var(--serif); font-size: 17px; font-weight: 600; color: var(--navy); line-height: 1.4; }

.article-header { padding: 56px 0 48px; border-bottom: 1px solid var(--border-light); position: relative; }
.article-header::before { content: ''; position: absolute; top: 0; left: 0; width: 60px; height: 3px; background: linear-gradient(90deg, var(--gold), var(--gold-light)); border-radius: 2px; }
.article-back { display: inline-block; font-size: 13px; color: var(--text3); text-decoration: none; margin-bottom: 32px; transition: color var(--transition); font-weight: 500; }
.article-back:hover { color: var(--navy); }
.article-topic-label { font-size: 10px; font-weight: 700; color: var(--gold-dark); letter-spacing: 2.5px; text-transform: uppercase; margin-bottom: 20px; }
.article-header h1 { font-family: var(--serif); font-size: 36px; font-weight: 700; line-height: 1.2; margin-bottom: 14px; color: var(--navy); }
.article-title-ko { font-size: 17px; color: var(--text3); line-height: 1.5; margin-bottom: 36px; }
.article-meta { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 16px; }
.article-author { display: flex; align-items: center; gap: 14px; }
.article-author-avatar { width: 48px; height: 48px; border-radius: 50%; background: linear-gradient(135deg, var(--navy-light), var(--navy-lighter)); display: flex; align-items: center; justify-content: center; font-size: 14px; font-weight: 700; color: var(--navy); flex-shrink: 0; border: 2px solid var(--white); box-shadow: var(--shadow-sm); }
.article-author-name { font-size: 15px; font-weight: 600; color: var(--text); }
.article-author-detail { font-size: 12px; color: var(--text3); margin-top: 2px; }
.article-date { font-size: 12px; color: var(--text3); }

.article-body { padding: 60px 0; border-bottom: 1px solid var(--border-light); }
.article-body p { font-size: 17px; color: var(--text2); line-height: 1.95; margin-bottom: 28px; }
.article-body p:last-child { margin-bottom: 0; }
.article-body h2 { font-family: var(--serif); font-size: 26px; font-weight: 600; color: var(--navy); margin-top: 56px; margin-bottom: 22px; }
.article-body h2:first-child { margin-top: 0; }
.article-body strong { color: var(--text); font-weight: 600; }
.article-body em { font-style: italic; }
.article-body a { color: var(--navy-mid); text-decoration: underline; text-decoration-color: var(--navy-light); text-underline-offset: 3px; transition: text-decoration-color var(--transition); }
.article-body a:hover { text-decoration-color: var(--navy); }
.article-body .callout { margin: 40px 0; }
.article-body .callout p { font-size: 15px; color: var(--navy); margin-bottom: 0; }

/* ============================================================
   FOOTER — refined with gold accent
   ============================================================ */
.footer {
  padding: 64px 0 40px;
  border-top: 1px solid var(--border-light);
  margin-top: 16px;
  position: relative;
}
.footer::before {
  content: '';
  position: absolute;
  top: -1px;
  left: 0;
  width: 60px;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  border-radius: 2px;
}
.footer-top { display: flex; justify-content: space-between; align-items: baseline; flex-wrap: wrap; gap: 12px; margin-bottom: 24px; }
.footer-brand { font-family: var(--serif); font-size: 18px; font-weight: 700; color: var(--navy); }
.footer-tag { font-size: 13px; color: var(--text3); }
.footer-links { display: flex; gap: 28px; font-size: 13px; margin-bottom: 32px; flex-wrap: wrap; }
.footer-links a { color: var(--text3); text-decoration: none; transition: color var(--transition); font-weight: 500; }
.footer-links a:hover { color: var(--navy); }
.footer p { font-size: 12px; color: var(--text3); line-height: 1.85; margin-bottom: 12px; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 640px) {
  .hero { padding: 56px 0 44px; }
  .hero h1 { font-size: 32px; }
  .hero p { font-size: 16px; }
  .section { padding: 52px 0; }
  .section h2 { font-size: 24px; }
  .form-row, .form-row-3 { grid-template-columns: 1fr; }
  .credentials, .values-grid, .contact-grid, .options, .video-grid, .need-grid { grid-template-columns: 1fr; }
  .stats-bar { grid-template-columns: 1fr 1fr; }
  .timeline-bar { flex-direction: column; }
  .cta-box { padding: 40px 28px; }
  .cta-box h3 { font-size: 24px; }
  summary { font-size: 16px; }
  .compare-table { font-size: 13px; }
  .compare-table td, .compare-table th { padding: 14px 6px; }
  .step { gap: 20px; }
  .step-num { width: 44px; height: 44px; font-size: 16px; }
  .testimonial-quote { font-size: 17px; padding-left: 28px; }
  .card { padding: 32px; }
  .option-card { padding: 32px; }
  .stat-num { font-size: 34px; }
  .article-header h1 { font-size: 28px; }
  .article-body p { font-size: 16px; }
  .article-body h2 { font-size: 22px; margin-top: 40px; }
  .article-meta { flex-direction: column; align-items: flex-start; }
  .article-card h2 { font-size: 20px; }
  .article-card-meta { flex-direction: column; align-items: flex-start; gap: 4px; }
}

@media (max-width: 400px) {
  .wrap { padding: 0 20px; }
  .hero h1 { font-size: 28px; }
  .stats-bar { grid-template-columns: 1fr; }
  .btn-primary, .btn-outline { width: 100%; text-align: center; }
  .cta-buttons { flex-direction: column; }
}