/* ==========================================================================
   소액결제현금화 2026 안내 — 핀테크 정보지 스킨
   스코프: #sp-page
   ※ 이미지 자리(.bm-ph 계열)의 PC/모바일 크기 수치는 원본 규칙 그대로 유지
   ※ 플로팅 배너(.bd-dock)는 구조·동작 유지, 문구·색만 변경
   ========================================================================== */

html, body {
    margin: 0;
    padding: 0;
    background: #e9edf3;
}

#sp-page {
    --bg: #f3f5f8;
    --bg-2: #e9eef5;
    --card: #ffffff;
    --line: #dde3ec;
    --line-2: #c9d2df;
    --navy: #12294a;
    --navy-2: #0b1a31;
    --blue: #1f5eff;
    --blue-2: #1547c7;
    --mint: #1ec8a5;
    --mint-2: #139c80;
    --amber: #f2b632;
    --amber-2: #c98f14;
    --coral: #e4573d;
    --ink: #1b2230;
    --sub: #55607a;
    --dim: #8891a5;
    --wrap: 1080px;
    --col: 860px;
    --sans: "Pretendard Variable", Pretendard, "Noto Sans KR", "Apple SD Gothic Neo", "Malgun Gothic", sans-serif;

    all: revert;
    box-sizing: border-box;
    font-family: var(--sans);
    background: var(--bg);
    color: var(--ink);
    line-height: 1.78;
    letter-spacing: -0.012em;
    word-break: keep-all;
    overflow-wrap: anywhere;
    text-align: left;
    overflow-x: clip;
}

#sp-page *,
#sp-page *::before,
#sp-page *::after { box-sizing: border-box; }

#sp-page img { max-width: 100%; height: auto; display: block; }
#sp-page a { color: var(--blue-2); text-decoration: none; border-bottom: 1px solid rgba(31, 94, 255, 0.3); }
#sp-page a:hover { border-bottom-color: var(--blue); }
#sp-page strong { color: var(--navy); font-weight: 700; }
#sp-page em { font-style: normal; font-weight: 600; color: var(--mint-2); }
#sp-page mark { background: linear-gradient(transparent 55%, rgba(242, 182, 50, 0.45) 55%); color: inherit; padding: 0 2px; }

#sp-page :focus-visible { outline: 2px solid var(--mint); outline-offset: 3px; }

#sp-page .sp-wrap {
    width: 100%;
    max-width: var(--wrap);
    margin-inline: auto;
    padding-inline: 24px;
}
#sp-page .sp-col {
    width: 100%;
    max-width: var(--col);
    margin-inline: auto;
}

#sp-page [id] { scroll-margin-top: 24px; }


/* ---------- 상단 바 (고정 아님, 네이비 띠) ---------- */
#sp-page .sp-bar {
    background: var(--navy-2);
    color: #dbe4f3;
}
#sp-page .sp-bar-in {
    max-width: var(--wrap);
    margin-inline: auto;
    padding: 12px 24px;
    display: flex;
    align-items: center;
    gap: 18px;
}
#sp-page .sp-logo {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    color: #fff;
    font-weight: 800;
    font-size: 1.02rem;
    letter-spacing: -0.02em;
    border: 0;
}
#sp-page .sp-logo i {
    width: 26px;
    height: 26px;
    border-radius: 7px;
    background: linear-gradient(140deg, var(--mint), var(--blue));
    display: grid;
    place-items: center;
    font-style: normal;
    font-size: 0.72rem;
    font-weight: 900;
    color: #fff;
}
#sp-page .sp-stamp {
    margin-left: 4px;
    padding: 3px 10px;
    border-radius: 999px;
    border: 1px solid rgba(30, 200, 165, 0.45);
    color: var(--mint);
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 0.03em;
    white-space: nowrap;
}
#sp-page .sp-bar-nav {
    margin-left: auto;
    display: flex;
    gap: 2px;
    padding: 0;
    list-style: none;
}
#sp-page .sp-bar-nav a {
    display: block;
    padding: 6px 10px;
    color: #b9c6dc;
    font-size: 0.82rem;
    font-weight: 600;
    border: 0;
    border-radius: 6px;
}
#sp-page .sp-bar-nav a:hover { color: #fff; background: rgba(255, 255, 255, 0.08); }


/* ---------- 히어로 (네이비 풀블리드, 좌 텍스트 · 우 이미지) ---------- */
#sp-page .sp-hero {
    position: relative;
    background:
        radial-gradient(900px 400px at 85% 0%, rgba(31, 94, 255, 0.35), transparent 65%),
        radial-gradient(600px 300px at 5% 100%, rgba(30, 200, 165, 0.22), transparent 60%),
        var(--navy);
    color: #e6ecf6;
    padding: 56px 0 0;
    overflow: hidden;
}
#sp-page .sp-hero-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.05fr) minmax(300px, 0.95fr);
    gap: 44px;
    align-items: center;
}
#sp-page .sp-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin: 0 0 16px;
    padding: 5px 12px 5px 6px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.08);
    font-size: 0.76rem;
    font-weight: 600;
    color: #c8d5ea;
}
#sp-page .sp-eyebrow b {
    padding: 2px 8px;
    border-radius: 999px;
    background: var(--mint);
    color: var(--navy-2);
    font-size: 0.68rem;
    font-weight: 800;
}

#sp-page h1 {
    margin: 0 0 16px;
    font-size: clamp(1.9rem, 4.6vw, 2.75rem);
    font-weight: 800;
    line-height: 1.25;
    letter-spacing: -0.035em;
    color: #fff;
}
#sp-page h1 span {
    color: var(--mint);
}

#sp-page .sp-hero strong { color: #fff; }
#sp-page .sp-hero-p {
    max-width: 54ch;
    margin: 0 0 26px;
    font-size: clamp(0.98rem, 1.3vw, 1.05rem);
    line-height: 1.85;
    color: #c3cfe3;
}

/* 히어로 문의 버튼 (사각형 카드형) */
#sp-page .sp-cta {
    position: relative;
    display: inline-flex;
    align-items: center;
    gap: 14px;
    width: 500px;
    max-width: 100%;
    padding: 14px 18px 14px 14px;
    border-radius: 16px;
    background: linear-gradient(120deg, #1ec8a5 0%, #1f5eff 100%);
    color: #fff;
    border: 0;
    box-shadow: 0 18px 40px rgba(31, 94, 255, 0.35);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}
#sp-page .sp-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 22px 46px rgba(31, 94, 255, 0.45);
}
#sp-page .sp-cta-ico {
    flex: none;
    width: 46px;
    height: 46px;
    border-radius: 12px;
    display: grid;
    place-items: center;
    background: rgba(255, 255, 255, 0.18);
    color: #fff;
}
#sp-page .sp-cta-txt {
    flex: 1 1 auto;
    display: flex;
    flex-direction: column;
    gap: 2px;
    min-width: 0;
    line-height: 1.3;
}
#sp-page .sp-cta-txt b { font-size: 1.2rem; font-weight: 800; color: #fff; }
#sp-page .sp-cta-txt em { font-size: 0.74rem; font-weight: 600; color: rgba(255, 255, 255, 0.85); }
#sp-page .sp-cta-go {
    flex: none;
    width: 30px;
    height: 30px;
    border-radius: 50%;
    display: grid;
    place-items: center;
    background: #fff;
    color: var(--blue-2);
    animation: bd-dock-slide 1.9s ease-in-out infinite;
}

#sp-page .sp-hero .bm-ph { margin: 0; }

/* 히어로 하단 지표 띠 */
#sp-page .sp-strip {
    margin: 44px 0 0;
    padding: 0;
    list-style: none;
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    border-top: 1px solid rgba(255, 255, 255, 0.14);
}
#sp-page .sp-strip li {
    padding: 18px 20px 20px 0;
    border-right: 1px solid rgba(255, 255, 255, 0.1);
}
#sp-page .sp-strip li + li { padding-left: 20px; }
#sp-page .sp-strip li:last-child { border-right: 0; }
#sp-page .sp-strip b {
    display: block;
    font-size: 1.28rem;
    font-weight: 800;
    color: #fff;
    letter-spacing: -0.02em;
}
#sp-page .sp-strip span {
    font-size: 0.8rem;
    color: #a9b8d1;
    line-height: 1.55;
}


/* ---------- 목차 (카드 격자) ---------- */
#sp-page .sp-map {
    padding: 44px 0 10px;
}
#sp-page .sp-map-head {
    display: flex;
    align-items: baseline;
    justify-content: space-between;
    gap: 16px;
    margin: 0 0 16px;
}
#sp-page .sp-map-head p { margin: 0; }
#sp-page .sp-map-title { font-size: 1.1rem; font-weight: 800; color: var(--navy); }
#sp-page .sp-map-hint { font-size: 0.8rem; color: var(--dim); }
#sp-page .sp-map ol {
    margin: 0;
    padding: 0;
    list-style: none;
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 10px;
    counter-reset: map;
}
#sp-page .sp-map li { counter-increment: map; }
#sp-page .sp-map a {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 12px 14px;
    border: 1px solid var(--line);
    border-radius: 12px;
    background: var(--card);
    color: var(--ink);
    font-size: 0.86rem;
    font-weight: 600;
    transition: border-color 0.15s ease, transform 0.15s ease;
}
#sp-page .sp-map a::before {
    content: counter(map, decimal-leading-zero);
    flex: none;
    width: 30px;
    height: 30px;
    display: grid;
    place-items: center;
    border-radius: 8px;
    background: var(--bg-2);
    color: var(--blue-2);
    font-size: 0.72rem;
    font-weight: 800;
}
#sp-page .sp-map a:hover { border-color: var(--blue); transform: translateY(-1px); }
#sp-page .sp-map li[data-tag] a::after {
    content: attr(data-tag);
    margin-left: auto;
    font-size: 0.66rem;
    font-weight: 700;
    color: var(--mint-2);
}


/* ---------- 본문 섹션 ---------- */
#sp-page .sp-main { padding: 30px 0 0; }

#sp-page .sp-sec {
    position: relative;
    padding: 46px 0 50px;
    border-top: 1px solid var(--line-2);
}
#sp-page .sp-sec:first-child { border-top: 0; }

#sp-page .sp-num {
    display: inline-grid;
    grid-auto-flow: column;
    align-items: center;
    gap: 10px;
    margin: 0 0 14px;
    font-size: 0.74rem;
    font-weight: 800;
    letter-spacing: 0.08em;
    color: var(--blue-2);
}
#sp-page .sp-num::before {
    content: attr(data-n);
    width: 34px;
    height: 34px;
    display: grid;
    place-items: center;
    border-radius: 50%;
    background: var(--navy);
    color: #fff;
    font-size: 0.78rem;
    letter-spacing: 0;
}

#sp-page h2 {
    margin: 0 0 22px;
    font-size: clamp(1.35rem, 2.6vw, 1.72rem);
    font-weight: 800;
    line-height: 1.38;
    letter-spacing: -0.03em;
    color: var(--navy);
}

#sp-page h3 {
    position: relative;
    margin: 30px 0 10px;
    padding-left: 14px;
    font-size: clamp(1.02rem, 1.6vw, 1.12rem);
    font-weight: 800;
    line-height: 1.5;
    color: var(--ink);
}
#sp-page h3::before {
    content: "";
    position: absolute;
    left: 0;
    top: 0.32em;
    width: 4px;
    height: 1em;
    border-radius: 2px;
    background: linear-gradient(var(--mint), var(--blue));
}

#sp-page .sp-txt { max-width: 66ch; }
#sp-page .sp-txt p {
    margin: 0 0 16px;
    font-size: 0.99rem;
    line-height: 1.88;
    color: #2d3547;
}
#sp-page .sp-txt p:last-child { margin-bottom: 0; }

/* 색조 변형 */
#sp-page .sp-sec--tint {
    background: var(--bg-2);
    border-top: 0;
    border-radius: 18px;
    padding: 40px 36px 44px;
    margin: 12px 0;
}
#sp-page .sp-sec--tint + .sp-sec { border-top: 0; }
#sp-page .sp-sec--deep {
    background: var(--navy);
    color: #d7e0ef;
    border-top: 0;
    border-radius: 18px;
    padding: 42px 36px 46px;
    margin: 12px 0;
}
#sp-page .sp-sec--deep + .sp-sec { border-top: 0; }
#sp-page .sp-sec--deep h2,
#sp-page .sp-sec--deep h3,
#sp-page .sp-sec--deep strong { color: #fff; }
#sp-page .sp-sec--deep .sp-txt p { color: #c9d4e6; }
#sp-page .sp-sec--deep .sp-num { color: var(--mint); }
#sp-page .sp-sec--deep .sp-num::before { background: var(--mint); color: var(--navy-2); }
#sp-page .sp-sec--deep em { color: #7fe3cc; }
#sp-page .sp-sec--deep a { color: #9fc0ff; border-bottom-color: rgba(159, 192, 255, 0.4); }

/* 인용 강조 */
#sp-page .sp-quote {
    max-width: 66ch;
    margin: 22px 0 0;
    padding: 16px 20px;
    border-radius: 12px;
    background: var(--card);
    border: 1px solid var(--line);
    border-left: 5px solid var(--amber);
    font-size: 1rem;
    font-weight: 600;
    line-height: 1.7;
    color: var(--navy);
}
#sp-page .sp-quote p { margin: 0; }


/* ---------- 구성 블록 ---------- */

/* 흐름 (가로 단계 칩) */
#sp-page .sp-flow {
    display: flex;
    flex-wrap: wrap;
    align-items: stretch;
    gap: 8px;
    margin: 0 0 26px;
    padding: 0;
    list-style: none;
}
#sp-page .sp-flow li {
    flex: 1 1 150px;
    position: relative;
    padding: 14px 14px 12px;
    background: var(--card);
    border: 1px solid var(--line);
    border-radius: 12px;
}
#sp-page .sp-flow li::after {
    content: "›";
    position: absolute;
    right: -9px;
    top: 50%;
    transform: translateY(-50%);
    width: 18px;
    height: 18px;
    border-radius: 50%;
    background: var(--blue);
    color: #fff;
    font-size: 0.8rem;
    display: grid;
    place-items: center;
    z-index: 1;
}
#sp-page .sp-flow li:last-child::after { display: none; }
#sp-page .sp-flow b { display: block; margin-bottom: 3px; font-size: 0.92rem; color: var(--navy); }
#sp-page .sp-flow span { font-size: 0.82rem; line-height: 1.6; color: var(--sub); }

/* 2열 대비 표 */
#sp-page .sp-vs {
    width: 100%;
    margin: 0 0 24px;
    border-collapse: separate;
    border-spacing: 0;
    font-size: 0.9rem;
    background: var(--card);
    border: 1px solid var(--line);
    border-radius: 12px;
    overflow: hidden;
}
#sp-page .sp-vs th,
#sp-page .sp-vs td {
    padding: 11px 14px;
    border-bottom: 1px solid var(--line);
    text-align: left;
    vertical-align: top;
    line-height: 1.6;
}
#sp-page .sp-vs thead th {
    background: var(--navy);
    color: #fff;
    font-weight: 700;
    font-size: 0.82rem;
    letter-spacing: 0.02em;
}
#sp-page .sp-vs tbody th {
    width: 22%;
    background: var(--bg-2);
    color: var(--navy);
    font-weight: 700;
}
#sp-page .sp-vs tr:last-child th,
#sp-page .sp-vs tr:last-child td { border-bottom: 0; }

/* 점검 목록 (체크) */
#sp-page .sp-check {
    margin: 0 0 22px;
    padding: 0;
    list-style: none;
    display: grid;
    gap: 8px;
    max-width: 640px;
}
#sp-page .sp-check li {
    display: grid;
    grid-template-columns: 22px 1fr;
    gap: 10px;
    padding: 10px 14px;
    background: var(--card);
    border: 1px solid var(--line);
    border-radius: 10px;
    font-size: 0.9rem;
    line-height: 1.65;
}
#sp-page .sp-check li::before {
    content: "✓";
    width: 20px;
    height: 20px;
    margin-top: 2px;
    display: grid;
    place-items: center;
    border-radius: 6px;
    background: rgba(30, 200, 165, 0.18);
    color: var(--mint-2);
    font-size: 0.78rem;
    font-weight: 800;
}

/* 단계 타임라인 (세로) */
#sp-page .sp-steps {
    margin: 6px 0 26px;
    padding: 0 0 0 30px;
    list-style: none;
    counter-reset: step;
    position: relative;
    max-width: 640px;
}
#sp-page .sp-steps::before {
    content: "";
    position: absolute;
    left: 13px;
    top: 8px;
    bottom: 8px;
    width: 2px;
    background: var(--line-2);
}
#sp-page .sp-steps li {
    counter-increment: step;
    position: relative;
    padding: 0 0 18px;
    font-size: 0.92rem;
    line-height: 1.7;
}
#sp-page .sp-steps li:last-child { padding-bottom: 0; }
#sp-page .sp-steps li::before {
    content: counter(step);
    position: absolute;
    left: -30px;
    top: 2px;
    width: 28px;
    height: 28px;
    display: grid;
    place-items: center;
    border-radius: 50%;
    background: var(--blue);
    color: #fff;
    font-size: 0.76rem;
    font-weight: 800;
    box-shadow: 0 0 0 4px var(--bg);
}
#sp-page .sp-sec--tint .sp-steps li::before { box-shadow: 0 0 0 4px var(--bg-2); }
#sp-page .sp-steps b { display: block; color: var(--navy); }

/* 계산 카드 */
#sp-page .sp-calc {
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 0 20px;
    align-items: center;
    max-width: 560px;
    margin: 0 0 24px;
    padding: 18px 22px;
    border-radius: 14px;
    background: var(--navy);
    color: #fff;
}
#sp-page .sp-calc dl { margin: 0; display: grid; gap: 6px; }
#sp-page .sp-calc div { display: flex; justify-content: space-between; gap: 12px; font-size: 0.88rem; }
#sp-page .sp-calc dt { margin: 0; color: #a9b8d1; }
#sp-page .sp-calc dd { margin: 0; font-weight: 700; font-variant-numeric: tabular-nums; }
#sp-page .sp-calc div:last-child { padding-top: 6px; border-top: 1px dashed rgba(255, 255, 255, 0.25); font-size: 0.95rem; }
#sp-page .sp-calc div:last-child dd { color: var(--mint); font-size: 1.05rem; }
#sp-page .sp-calc-note {
    grid-column: 1 / -1;
    margin: 12px 0 0;
    font-size: 0.74rem;
    color: #8fa1bf;
}

/* 매입률 막대 */
#sp-page .sp-rate {
    margin: 0 0 24px;
    padding: 0;
    list-style: none;
    display: grid;
    gap: 9px;
    max-width: 620px;
}
#sp-page .sp-rate li {
    display: grid;
    grid-template-columns: 120px 1fr 56px;
    gap: 12px;
    align-items: center;
    font-size: 0.86rem;
}
#sp-page .sp-rate b { color: var(--navy); font-weight: 700; }
#sp-page .sp-rate i {
    display: block;
    height: 12px;
    border-radius: 999px;
    background: var(--line);
    overflow: hidden;
}
#sp-page .sp-rate i::before {
    content: "";
    display: block;
    height: 100%;
    width: var(--w, 50%);
    border-radius: 999px;
    background: linear-gradient(90deg, var(--mint), var(--blue));
}
#sp-page .sp-rate span { text-align: right; font-weight: 700; color: var(--sub); font-variant-numeric: tabular-nums; }

/* 경고 카드 (사기 유형) */
#sp-page .sp-warn {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 12px;
    margin: 0 0 24px;
    padding: 0;
    list-style: none;
}
#sp-page .sp-warn li {
    padding: 14px 16px;
    border-radius: 12px;
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.14);
}
#sp-page .sp-warn b {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 5px;
    color: #fff;
    font-size: 0.94rem;
}
#sp-page .sp-warn b::before {
    content: "!";
    width: 20px;
    height: 20px;
    display: grid;
    place-items: center;
    border-radius: 6px;
    background: var(--amber);
    color: var(--navy-2);
    font-size: 0.78rem;
    font-weight: 900;
}
#sp-page .sp-warn span { font-size: 0.85rem; line-height: 1.65; color: #b9c6dc; }

/* 법률 조항 카드 */
#sp-page .sp-law {
    display: grid;
    gap: 10px;
    margin: 0 0 22px;
    padding: 0;
    list-style: none;
    max-width: 680px;
}
#sp-page .sp-law li {
    display: grid;
    grid-template-columns: 96px 1fr;
    gap: 14px;
    padding: 12px 16px;
    background: var(--card);
    border: 1px solid var(--line);
    border-radius: 10px;
    font-size: 0.88rem;
    line-height: 1.65;
}
#sp-page .sp-law b {
    color: var(--coral);
    font-size: 0.8rem;
    font-weight: 800;
    padding-top: 2px;
}

/* 우선순위 사다리 */
#sp-page .sp-rank {
    margin: 0 0 22px;
    padding: 0;
    list-style: none;
    counter-reset: rank;
    max-width: 640px;
}
#sp-page .sp-rank li {
    counter-increment: rank;
    display: grid;
    grid-template-columns: 40px 1fr;
    gap: 14px;
    align-items: start;
    padding: 12px 0;
    border-bottom: 1px dashed var(--line-2);
    font-size: 0.9rem;
    line-height: 1.65;
}
#sp-page .sp-rank li::before {
    content: counter(rank) "순위";
    font-size: 0.68rem;
    font-weight: 800;
    color: var(--blue-2);
    padding-top: 4px;
}
#sp-page .sp-rank b { grid-column: 2; display: block; color: var(--navy); }
#sp-page .sp-rank span { grid-column: 2; color: var(--sub); }

/* 용어 두 열 */
#sp-page .sp-terms {
    margin: 0;
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 8px 24px;
}
#sp-page .sp-terms div {
    padding: 10px 0;
    border-bottom: 1px solid var(--line);
    font-size: 0.88rem;
}
#sp-page .sp-terms dt { margin: 0 0 2px; font-weight: 800; color: var(--navy); }
#sp-page .sp-terms dd { margin: 0; color: var(--sub); line-height: 1.6; }

/* FAQ (카드형) */
#sp-page .sp-faq { display: grid; gap: 8px; max-width: 760px; }
#sp-page .sp-faq details {
    background: var(--card);
    border: 1px solid var(--line);
    border-radius: 12px;
}
#sp-page .sp-faq details[open] { border-color: var(--blue); }
#sp-page .sp-faq summary {
    display: flex;
    gap: 12px;
    align-items: center;
    padding: 14px 16px;
    font-size: 0.96rem;
    font-weight: 700;
    color: var(--navy);
    cursor: pointer;
    list-style: none;
}
#sp-page .sp-faq summary::-webkit-details-marker { display: none; }
#sp-page .sp-faq summary::before {
    content: "Q";
    flex: none;
    width: 24px;
    height: 24px;
    display: grid;
    place-items: center;
    border-radius: 7px;
    background: var(--bg-2);
    color: var(--blue-2);
    font-size: 0.76rem;
    font-weight: 900;
}
#sp-page .sp-faq details p {
    margin: 0;
    padding: 0 16px 16px 52px;
    font-size: 0.93rem;
    line-height: 1.8;
    color: var(--sub);
}


/* ---------- 푸터 (2단 + 고지 띠) ---------- */
#sp-page .sp-foot {
    margin-top: 56px;
    background: var(--navy-2);
    color: #a9b8d1;
    padding: 44px 0 120px;
}
#sp-page .sp-foot-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.3fr) minmax(0, 1fr);
    gap: 40px;
    padding-bottom: 26px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
#sp-page .sp-foot-name { margin: 0 0 10px; color: #fff; font-size: 1.05rem; font-weight: 800; }
#sp-page .sp-foot-note { margin: 0; font-size: 0.8rem; line-height: 1.8; }
#sp-page .sp-foot-links {
    margin: 0;
    padding: 0;
    list-style: none;
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 4px 16px;
    font-size: 0.84rem;
}
#sp-page .sp-foot-links a { color: #c3cfe3; border: 0; }
#sp-page .sp-foot-links a:hover { color: var(--mint); }
#sp-page .sp-foot-bar {
    display: flex;
    flex-wrap: wrap;
    justify-content: space-between;
    gap: 8px;
    padding-top: 16px;
    font-size: 0.74rem;
    color: #6f7f9c;
}
#sp-page .sp-foot-bar p { margin: 0; }


/* ---------- 플로팅 배너 (위치·구조 유지, 문구·색만 변경) ---------- */
#sp-page .bd-dock {
    position: fixed;
    right: 26px;
    bottom: 26px;
    z-index: 90;
    animation: bd-bob 4.2s ease-in-out infinite;
    pointer-events: none;
}
#sp-page .bd-dock > * { pointer-events: auto; }

#sp-page .bd-dock-glow {
    position: absolute;
    inset: 0;
    border-radius: 999px;
    pointer-events: none;
}
#sp-page .bd-dock-glow::before,
#sp-page .bd-dock-glow::after {
    content: "";
    position: absolute;
    border-radius: 999px;
    background: linear-gradient(115deg, #1ec8a5 0%, #1f5eff 55%, #f2b632 100%);
    will-change: opacity, transform;
}
#sp-page .bd-dock-glow::before {
    inset: -3px;
    filter: blur(9px);
    opacity: 0.9;
    animation: bd-glow-rim 3.4s ease-in-out infinite;
}
#sp-page .bd-dock-glow::after {
    inset: -13px;
    filter: blur(26px);
    opacity: 0.5;
    animation: bd-glow-halo 3.4s ease-in-out infinite;
}

#sp-page .bd-dock-btn {
    position: relative;
    z-index: 1;
    display: flex;
    align-items: center;
    gap: 13px;
    min-width: 310px;
    padding: 15px 22px;
    background: linear-gradient(135deg, #0b1a31, #12294a);
    border: 1px solid rgba(30, 200, 165, 0.65);
    border-radius: 999px;
    box-shadow: 0 18px 42px rgba(0, 0, 0, 0.35), inset 0 1px 0 rgba(255, 255, 255, 0.08);
    color: #fff;
    text-decoration: none;
    transition: transform 0.2s ease, border-color 0.2s ease;
}
#sp-page .bd-dock-btn:hover {
    text-decoration: none;
    transform: scale(1.03);
    border-color: rgba(127, 227, 204, 0.95);
}

#sp-page .bd-dock-dot {
    flex: none;
    width: 9px;
    height: 9px;
    border-radius: 50%;
    background: #1ec8a5;
    box-shadow: 0 0 0 0 rgba(30, 200, 165, 0.7);
    animation: bd-dock-ping 2.1s ease-out infinite;
}

#sp-page .bd-dock-txt {
    flex: 1 1 auto;
    display: flex;
    flex-direction: column;
    gap: 1px;
    line-height: 1.35;
    white-space: nowrap;
}
#sp-page .bd-dock-txt b {
    font-size: 1.02rem;
    font-weight: 800;
    letter-spacing: -0.01em;
    color: #fff;
}
#sp-page .bd-dock-txt em {
    font-style: normal;
    font-size: 0.73rem;
    font-weight: 600;
    letter-spacing: 0.02em;
    color: #7fe3cc;
}

#sp-page .bd-dock-ico {
    flex: none;
    display: flex;
    align-items: center;
    justify-content: center;
    width: 34px;
    height: 34px;
    border-radius: 50%;
    color: #0b1a31;
    background: linear-gradient(135deg, #7fe3cc, #1ec8a5);
    animation: bd-dock-slide 1.9s ease-in-out infinite;
}

@keyframes bd-bob {
    0%, 100% { transform: translateY(0); }
    50%      { transform: translateY(-11px); }
}
@keyframes bd-glow-rim {
    0%, 100% { opacity: 0.6; }
    50%      { opacity: 1; }
}
@keyframes bd-glow-halo {
    0%, 100% { opacity: 0.3; transform: scale(0.985); }
    50%      { opacity: 0.62; transform: scale(1.02); }
}
@keyframes bd-dock-ping {
    0%   { box-shadow: 0 0 0 0 rgba(30, 200, 165, 0.65); }
    70%  { box-shadow: 0 0 0 11px rgba(30, 200, 165, 0); }
    100% { box-shadow: 0 0 0 0 rgba(30, 200, 165, 0); }
}
@keyframes bd-dock-slide {
    0%, 100% { transform: translateX(0); }
    50%      { transform: translateX(4px); }
}


/* ==========================================================================
   이미지 자리(플레이스홀더)
   ※ max-width / aspect-ratio / min-height / 여백 수치는 원본 그대로.
   ========================================================================== */
#sp-page .bm-ph {
    width: 100%;
    max-width: 930px;
    margin: 6px auto 42px;
    padding: 0;
}
#sp-page .sp-txt + .bm-ph { margin-top: 40px; }
#sp-page .bm-ph-hero { margin: 0 0 8px; }

#sp-page .bm-ph--wide { max-width: 930px; }
#sp-page .bm-ph--md   { max-width: 640px; }
#sp-page .bm-ph--sq   { max-width: 560px; }

#sp-page .bm-ph-box {
    display: flex;
    flex-direction: column;
    justify-content: center;
    gap: 15px;
    aspect-ratio: 930 / 620;
    padding: 28px 26px;
    background-color: #0f2140;
    background-image: repeating-linear-gradient(135deg,
        rgba(30, 200, 165, 0.09) 0 12px,
        rgba(255, 255, 255, 0) 12px 26px);
    border: 2px dashed #3d6bd6;
    border-radius: 8px;
}
#sp-page .bm-ph--wide .bm-ph-box { aspect-ratio: 930 / 360; }
#sp-page .bm-ph--md   .bm-ph-box { aspect-ratio: 640 / 420; }
#sp-page .bm-ph--sq   .bm-ph-box { aspect-ratio: 1 / 1; }

#sp-page .bm-ph-mark {
    display: flex;
    flex: none;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    color: #7fe3cc;
    background: rgba(31, 94, 255, 0.3);
    border: 1px solid rgba(127, 227, 204, 0.45);
    border-radius: 8px;
}

#sp-page .bm-ph-file {
    margin: 0;
    font-size: 0.9rem;
    font-weight: 800;
    color: #f3f5f8;
}
#sp-page .bm-ph-file em {
    display: inline-block;
    margin-left: 9px;
    padding: 2px 9px;
    font-style: normal;
    font-size: 0.73rem;
    font-weight: 800;
    line-height: 1.7;
    color: #0b1a31;
    background: #7fe3cc;
    border-radius: 999px;
    vertical-align: 1px;
}

#sp-page .bm-ph-spec {
    display: grid;
    gap: 9px;
    max-width: 74ch;
    margin: 0;
    padding: 0;
}
#sp-page .bm-ph-spec > div {
    display: grid;
    grid-template-columns: 42px 1fr;
    gap: 10px;
}
#sp-page .bm-ph-spec dt {
    margin: 0;
    padding-top: 0.2em;
    font-size: 0.75rem;
    font-weight: 800;
    color: #7fe3cc;
}
#sp-page .bm-ph-spec dd {
    margin: 0;
    font-size: 0.9rem;
    line-height: 1.7;
    color: #c9d4e6;
}
#sp-page .bm-ph-spec .bm-ph-copy {
    font-weight: 700;
    color: #f3f5f8;
}

#sp-page .bm-ph figcaption {
    margin-top: 11px;
    font-size: 0.78rem;
    color: var(--dim);
    text-align: center;
}

#sp-page .bm-ph > img {
    width: 100%;
    height: auto;
    display: block;
    border-radius: 8px;
    object-fit: cover;
}


/* ---------- 반응형 ---------- */
@media (max-width: 960px) {
    #sp-page .sp-hero-grid { grid-template-columns: 1fr; gap: 28px; }
    #sp-page .sp-strip { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    #sp-page .sp-strip li:nth-child(2) { border-right: 0; }
    #sp-page .sp-strip li:nth-child(3) { padding-left: 0; }
    #sp-page .sp-map ol { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    #sp-page .sp-foot-grid { grid-template-columns: 1fr; gap: 26px; }
    #sp-page .sp-warn { grid-template-columns: 1fr; }
}

@media (max-width: 640px) {
    #sp-page .sp-wrap { padding-inline: 16px; }
    #sp-page .sp-bar-in { padding: 10px 16px; gap: 10px; flex-wrap: wrap; }
    #sp-page .sp-bar-nav {
        margin-left: 0;
        width: 100%;
        overflow-x: auto;
        scrollbar-width: none;
        gap: 0;
    }
    #sp-page .sp-bar-nav a { white-space: nowrap; padding: 4px 8px; font-size: 0.78rem; }
    #sp-page .sp-hero { padding-top: 34px; }
    #sp-page .sp-strip { grid-template-columns: 1fr; margin-top: 30px; }
    #sp-page .sp-strip li { border-right: 0; padding: 12px 0; border-bottom: 1px solid rgba(255, 255, 255, 0.1); }
    #sp-page .sp-strip li + li { padding-left: 0; }
    #sp-page .sp-strip li:last-child { border-bottom: 0; }
    #sp-page .sp-map ol { grid-template-columns: 1fr; }
    #sp-page .sp-map-head { flex-direction: column; gap: 4px; }
    #sp-page .sp-sec { padding: 34px 0 38px; }
    #sp-page .sp-sec--tint,
    #sp-page .sp-sec--deep { padding: 28px 18px 30px; }
    #sp-page .sp-cta { width: 100%; gap: 12px; padding: 12px 14px 12px 12px; }
    #sp-page .sp-cta-ico { width: 40px; height: 40px; }
    #sp-page .sp-cta-txt b { font-size: 1.05rem; }
    #sp-page .sp-cta-txt em { font-size: 0.68rem; white-space: normal; }
    #sp-page .sp-vs { font-size: 0.82rem; }
    #sp-page .sp-vs th, #sp-page .sp-vs td { padding: 9px 10px; }
    #sp-page .sp-vs tbody th { width: 28%; }
    #sp-page .sp-calc { grid-template-columns: 1fr; padding: 16px; }
    #sp-page .sp-rate li { grid-template-columns: 92px 1fr 48px; gap: 8px; font-size: 0.8rem; }
    #sp-page .sp-law li { grid-template-columns: 1fr; gap: 4px; }
    #sp-page .sp-terms { grid-template-columns: 1fr; }
    #sp-page .sp-foot-links { grid-template-columns: 1fr; }
    #sp-page .sp-foot { padding: 32px 0 130px; }

    #sp-page .bm-ph { margin-bottom: 34px; }
    #sp-page .sp-txt + .bm-ph { margin-top: 32px; }
    #sp-page .bm-ph > img { border-radius: 14px; }
    #sp-page .bm-ph-box,
    #sp-page .bm-ph--wide .bm-ph-box,
    #sp-page .bm-ph--md .bm-ph-box,
    #sp-page .bm-ph--sq .bm-ph-box {
        aspect-ratio: auto;
        min-height: 300px;
        padding: 20px 16px;
        gap: 12px;
        border-radius: 14px;
    }
    #sp-page .bm-ph-mark { width: 38px; height: 38px; }
    #sp-page .bm-ph-file { font-size: 0.85rem; }
    #sp-page .bm-ph-spec dd { font-size: 0.86rem; }

    #sp-page .bd-dock {
        right: 14px;
        left: auto;
        bottom: 14px;
    }
    #sp-page .bd-dock-btn {
        min-width: 0;
        width: auto;
        padding: 11px 13px 11px 16px;
        gap: 9px;
    }
    #sp-page .bd-dock-txt b { font-size: 0.87rem; }
    #sp-page .bd-dock-txt em { font-size: 0.66rem; }
    #sp-page .bd-dock-ico { width: 28px; height: 28px; }
    #sp-page .bd-dock-glow::before { inset: -2px; filter: blur(7px); }
    #sp-page .bd-dock-glow::after { inset: -10px; filter: blur(20px); }
}

@media (prefers-reduced-motion: reduce) {
    #sp-page * {
        animation-duration: 0.01ms;
        transition-duration: 0.01ms;
    }
}

@media print {
    #sp-page { background: #fff; color: #000; }
    #sp-page .sp-bar,
    #sp-page .sp-cta,
    #sp-page .bd-dock { display: none; }
}