/* ── Directloan Design Tokens (Capchase-style) ── */
:root {
  /* 배경 */
  --bg: #FFFFFF;
  --bg-alt: #f8f9fa;
  --bg-dark: #0c1220;

  /* 텍스트 */
  --ink: #17203A;
  --ink-sub: #2d3652;
  --muted: #889096;
  --faint: #a8adb3;

  /* 보더 */
  --border: #E6E8EB;
  --border-light: #E6E8EB;

  /* CTA - 브랜드 블루 */
  --brand: #0046db;
  --brand-dark: #0038b3;
  --brand-light: #eef3ff;
  --brand-glow: rgba(0,70,219,.15);

  /* 시맨틱 */
  --green: #16a34a;
  --green-light: #e8f8f0;
  --error: #d71920;

  /* 라운드 */
  --radius: 16px;
  --radius-lg: 16px;
  --radius-pill: 100px;

  --max: 1120px;

  /* 그림자 */
  --shadow-sm: 0 1px 3px rgba(0,0,0,.04);
  --shadow-md: 0 4px 16px rgba(0,0,0,.06);
  --shadow-lg: 0 12px 40px rgba(0,0,0,.08);
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'DM Sans', 'Noto Sans KR', -apple-system, BlinkMacSystemFont, system-ui, sans-serif;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  line-height: 1.6;
  word-break: keep-all;
  font-weight: 400;
}
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }

.wrap {
  width: min(var(--max), calc(100% - 48px));
  margin: 0 auto;
}

/* ── Buttons (Capchase pill) ── */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: 8px; border: 0; cursor: pointer;
  font-weight: 500;
  transition: opacity .2s, transform .2s, box-shadow .2s;
}
.btn:hover { transform: translateY(-1px); }
.btn-p {
  background: var(--brand); color: #fff;
  padding: 14px 32px; border-radius: 100px;
  font-size: 16px; font-weight: 500;
  box-shadow: 0 4px 20px rgba(0,70,219,.2);
}
.btn-p:hover {
  background: var(--brand-dark);
  box-shadow: 0 8px 28px rgba(0,70,219,.3);
}
.btn-s {
  background: transparent; color: var(--ink);
  padding: 14px 28px; border-radius: 100px;
  font-size: 16px; font-weight: 500;
  border: 1px solid var(--border);
}
.btn-s:hover {
  border-color: var(--brand);
  color: var(--brand);
}
.btn-sm {
  padding: 10px 22px; border-radius: 100px; font-size: 14px;
}

/* ── Section spacing (Capchase: 120px desktop) ── */
.section { padding: 120px 0; }
.section--alt { background: var(--bg-alt); }
.section--dark { background: var(--bg-dark); color: #fff; }

/* ── Section headings ── */
.sh-kicker {
  font-size: 14px; font-weight: 600; color: var(--brand);
  margin-bottom: 12px;
  letter-spacing: .04em;
}
.section--dark .sh-kicker { color: #7db4ff; }
.sh-title {
  font-size: clamp(28px, 4vw, 42px);
  font-weight: 700; line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--ink);
}
.section--dark .sh-title { color: #fff; }
.sh-sub {
  margin-top: 12px; font-size: 16px;
  color: var(--muted); line-height: 1.65;
  max-width: 520px; font-weight: 400;
}
.section--dark .sh-sub { color: #889096; }

/* ── Toast ── */
.toast {
  position: fixed; right: 24px; bottom: 24px; z-index: 100;
  background: var(--bg-dark); color: #fff;
  border-radius: 100px; padding: 14px 24px;
  box-shadow: var(--shadow-lg); opacity: 0;
  transform: translateY(10px); transition: .2s ease;
  pointer-events: none; font-weight: 600; font-size: 14px;
}
.toast.show { opacity: 1; transform: translateY(0); }

/* ── Mobile Bottom Bar ── */
.mobile-bar { display: none; }

/* ── Scroll reveal ── */
.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.7s cubic-bezier(0.22, 1, 0.36, 1) var(--stagger, 0s),
              transform 0.7s cubic-bezier(0.22, 1, 0.36, 1) var(--stagger, 0s);
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  .reveal.visible { transition: none; }
}

/* ── 태블릿 (980px) ── */
@media (max-width: 980px) {
  .section { padding: 72px 0; }
  .sh-title { font-size: clamp(24px, 4vw, 36px); }
}

/* ── 모바일 (640px) ── */
@media (max-width: 640px) {
  .wrap { width: min(100% - 32px, var(--max)); }
  .section { padding: 56px 0; }
  .sh-title { font-size: 24px; line-height: 1.3; }
  .sh-sub { font-size: 15px; margin-top: 10px; }

  .btn-p { padding: 14px 28px; font-size: 15px; }
  .btn-s { padding: 14px 24px; font-size: 15px; }
  .btn-sm { padding: 10px 18px; font-size: 13px; }

  footer { padding-bottom: 72px !important; }
  .mobile-bar {
    position: fixed; z-index: 90;
    left: 0; right: 0; bottom: 0;
    display: grid; grid-template-columns: repeat(4, 1fr);
    padding: 6px 0;
    padding-bottom: calc(6px + env(safe-area-inset-bottom));
    background: rgba(255,255,255,.97);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    box-shadow: 0 -1px 12px rgba(0,0,0,.06);
    border-top: 1px solid var(--border);
  }
  .mb-item {
    display: flex; flex-direction: column;
    align-items: center; justify-content: center;
    gap: 2px;
    padding: 6px 0;
    font-size: 10px; font-weight: 600;
    color: var(--muted);
    text-decoration: none;
    transition: color .15s;
  }
  .mb-item:active { color: var(--brand); }
  .mb-item--primary { color: var(--brand); }
  .mb-item--primary svg { color: var(--brand); }
  .toast { left: 16px; right: 16px; bottom: 72px; text-align: center; }
}