:root {
    --bg: #0d0f14;
    --surface: #161920;
    --surface2: #1e2230;
    --border: #2a2f42;
    --accent: #FF6B2B;
    --accent2: #FFB347;
    --green: #2ECC71;
    --blue: #4A9EFF;
    --text: #F0F2F8;
    --text-muted: #7A8099;
    --text-dim: #9CA3B8;
  }

  * { margin: 0; padding: 0; box-sizing: border-box; -webkit-tap-highlight-color: transparent; }

  body {
    font-family: 'Pretendard', -apple-system, sans-serif;
    background: var(--bg);
    color: var(--text);
    font-size: 16px;
    line-height: 1.6;
    overflow-x: hidden;
  }

  /* HERO */
  .hero {
    position: relative;
    padding: 60px 20px 50px;
    text-align: center;
    background: linear-gradient(160deg, #1a1030 0%, #0d0f14 60%);
    overflow: hidden;
  }
  .hero::before {
    content: '';
    position: absolute;
    top: -80px; left: 50%; transform: translateX(-50%);
    width: 340px; height: 340px;
    background: radial-gradient(circle, rgba(255,107,43,0.18) 0%, transparent 70%);
    pointer-events: none;
  }
  .hero-badge2 {
    display: inline-block;
    background: rgba(255,107,43,0.15);
    border: 1px solid rgba(255,107,43,0.4);
    color: var(--accent2);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.12em;
    padding: 6px 14px;
    border-radius: 100px;
    margin-bottom: 20px;
    animation: fadeUp 0.5s ease both;
  }
  .hero h1 {
    font-size: 30px;
    font-weight: 900;
    line-height: 1.25;
    margin-bottom: 16px;
    animation: fadeUp 0.5s 0.1s ease both;
  }
  .hero h1 em {
    font-style: normal;
    background: linear-gradient(90deg, var(--accent), var(--accent2));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
  }
  .hero-sub {
    color: var(--text-dim);
    font-size: 15px;
    line-height: 1.7;
    animation: fadeUp 0.5s 0.2s ease both;
  }
  .hero-sub strong { color: var(--text); font-weight: 700; }

  /* PAYBACK BIG NUMBER */
  .payback-hero {
    margin: 32px 20px 0;
    background: linear-gradient(135deg, #1e1508 0%, #2a1c0a 100%);
    border: 1px solid rgba(255,179,71,0.3);
    border-radius: 20px;
    padding: 28px 20px;
    text-align: center;
    position: relative;
    overflow: hidden;
    animation: fadeUp 0.5s 0.3s ease both;
  }
  .payback-hero::before {
    content: '💰';
    position: absolute;
    right: -10px; top: -10px;
    font-size: 80px;
    opacity: 0.08;
  }
  .payback-hero .label {
    font-size: 13px;
    color: var(--accent2);
    font-weight: 700;
    letter-spacing: 0.08em;
    margin-bottom: 8px;
  }
  .payback-hero .big-num {
    font-size: 58px;
    font-weight: 900;
    color: var(--accent2);
    line-height: 1;
    text-shadow: 0 0 40px rgba(255,179,71,0.4);
  }
  .payback-hero .big-num span { font-size: 28px; }
  .payback-hero .sub-text {
    font-size: 14px;
    color: var(--text-dim);
    margin-top: 8px;
  }
  .payback-hero .sub-text strong { color: var(--green); }

  /* SECTION */
  section {
    padding: 48px 20px 8px;
  }
  .section-label {
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.14em;
    color: var(--accent);
    text-transform: uppercase;
    margin-bottom: 8px;
  }
  .section-title {
    font-size: 22px;
    font-weight: 900;
    line-height: 1.3;
    margin-bottom: 24px;
  }
  .section-title em {
    font-style: normal;
    color: var(--accent2);
  }

  /* STEPS */
  .steps { display: flex; flex-direction: column; gap: 16px; }
  .step-card {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 20px;
    display: flex;
    gap: 16px;
    align-items: flex-start;
    opacity: 0;
    transform: translateY(16px);
    transition: all 0.4s ease;
  }
  .step-card.visible { opacity: 1; transform: translateY(0); }
  .step-num {
    width: 38px; height: 38px;
    border-radius: 12px;
    background: linear-gradient(135deg, var(--accent), var(--accent2));
    display: flex; align-items: center; justify-content: center;
    font-size: 18px;
    font-weight: 900;
    flex-shrink: 0;
    color: white;
  }
  .step-content h3 { font-size: 16px; font-weight: 800; margin-bottom: 6px; }
  .step-content p { font-size: 14px; color: var(--text-dim); line-height: 1.6; }
  .step-content .highlight {
    display: inline-block;
    background: rgba(255,107,43,0.12);
    color: var(--accent2);
    font-size: 12px;
    font-weight: 700;
    padding: 2px 8px;
    border-radius: 6px;
    margin-top: 8px;
  }

  /* CALCULATOR */
  .calc-box {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: 20px;
    padding: 24px 20px;
    margin-top: 8px;
  }
  .calc-box h3 {
    font-size: 15px;
    font-weight: 800;
    margin-bottom: 20px;
    color: var(--text-dim);
  }
  .calc-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 12px 0;
    border-bottom: 1px solid var(--border);
    font-size: 14px;
  }
  .calc-row:last-child { border-bottom: none; }
  .calc-row .item { color: var(--text-dim); }
  .calc-row .amount { font-weight: 700; }
  .calc-row.total {
    background: linear-gradient(135deg, rgba(46,204,113,0.08), rgba(46,204,113,0.04));
    border-radius: 12px;
    padding: 16px;
    margin-top: 8px;
    border: 1px solid rgba(46,204,113,0.2);
    border-bottom: 1px solid rgba(46,204,113,0.2);
  }
  .calc-row.total .item { color: var(--green); font-weight: 800; font-size: 15px; }
  .calc-row.total .amount { color: var(--green); font-size: 22px; font-weight: 900; }
  .calc-note { font-size: 12px; color: var(--text-muted); margin-top: 14px; text-align: center; }

  /* SLIDER CALC */
  .slider-section {
    margin-top: 24px;
  }
  .slider-label {
    display: flex;
    justify-content: space-between;
    font-size: 14px;
    margin-bottom: 10px;
  }
  .slider-label span { color: var(--text-dim); }
  .slider-label strong { color: var(--accent2); font-size: 16px; }
  input[type=range] {
    width: 100%;
    height: 6px;
    border-radius: 3px;
    background: linear-gradient(to right, var(--accent) 0%, var(--accent) 50%, var(--border) 50%, var(--border) 100%);
    outline: none;
    -webkit-appearance: none;
    cursor: pointer;
  }
  input[type=range]::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 22px; height: 22px;
    border-radius: 50%;
    background: var(--accent2);
    box-shadow: 0 0 10px rgba(255,179,71,0.5);
  }
  .slider-result {
    margin-top: 20px;
    background: linear-gradient(135deg, rgba(255,107,43,0.08), rgba(255,179,71,0.05));
    border: 1px solid rgba(255,107,43,0.2);
    border-radius: 14px;
    padding: 18px;
    display: flex;
    justify-content: space-between;
    align-items: center;
  }
  .slider-result .r-label { font-size: 13px; color: var(--text-dim); }
  .slider-result .r-value { font-size: 26px; font-weight: 900; color: var(--accent2); }
  .slider-result .r-year { font-size: 12px; color: var(--green); margin-top: 2px; }

  /* SAFETY */
  .safety-cards { display: flex; flex-direction: column; gap: 14px; }
  .safety-card {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 18px;
    display: flex;
    gap: 14px;
    opacity: 0;
    transform: translateY(16px);
    transition: all 0.4s ease;
  }
  .safety-card.visible { opacity: 1; transform: translateY(0); }
  .safety-icon {
    font-size: 26px;
    flex-shrink: 0;
    margin-top: 2px;
  }
  .safety-card h4 { font-size: 15px; font-weight: 800; margin-bottom: 6px; }
  .safety-card p { font-size: 13px; color: var(--text-dim); line-height: 1.6; }
  .safety-card .tag {
    display: inline-block;
    background: rgba(46,204,113,0.12);
    color: var(--green);
    font-size: 11px;
    font-weight: 700;
    padding: 2px 8px;
    border-radius: 6px;
    margin-top: 8px;
  }

  /* FAQ */
  .faq-list { display: flex; flex-direction: column; gap: 12px; }
  .faq-item {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: 14px;
    overflow: hidden;
  }
  .faq-q {
    padding: 16px;
    font-size: 14px;
    font-weight: 700;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 12px;
  }
  .faq-q::after {
    content: '▾';
    color: var(--accent);
    flex-shrink: 0;
    font-size: 16px;
    transition: transform 0.3s;
  }
  .faq-item.open .faq-q::after { transform: rotate(180deg); }
  .faq-a {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease, padding 0.3s;
    padding: 0 16px;
    font-size: 14px;
    color: var(--text-dim);
    line-height: 1.7;
  }
  .faq-item.open .faq-a { max-height: 300px; padding: 0 16px 16px; }

  /* CTA */
  .cta-section {
    padding: 40px 20px 60px;
    text-align: center;
  }
  .cta-box {
    background: linear-gradient(135deg, #1e1508, #2a1c0a);
    border: 1px solid rgba(255,179,71,0.3);
    border-radius: 24px;
    padding: 32px 24px;
  }
  .cta-box h2 { font-size: 22px; font-weight: 900; line-height: 1.3; margin-bottom: 10px; }
  .cta-box p { font-size: 14px; color: var(--text-dim); margin-bottom: 24px; }
  .cta-btn {
    display: block;
    width: 100%;
    padding: 18px;
    background: linear-gradient(135deg, var(--accent), var(--accent2));
    color: white;
    font-size: 17px;
    font-weight: 900;
    border: none;
    border-radius: 14px;
    cursor: pointer;
    margin-bottom: 12px;
    text-decoration: none;
    transition: opacity 0.2s, transform 0.1s;
    box-shadow: 0 8px 30px rgba(255,107,43,0.35);
  }
  .cta-btn:active { opacity: 0.85; transform: scale(0.98); }
  .cta-sub { font-size: 12px; color: var(--text-muted); }

  /* DIVIDER */
  .divider {
    width: 40px; height: 3px;
    background: linear-gradient(90deg, var(--accent), var(--accent2));
    border-radius: 2px;
    margin: 0 0 24px;
  }

  /* COMPARE TABLE */
  .compare-table {
    width: 100%;
    border-collapse: separate;
    border-spacing: 0;
    margin-top: 8px;
  }
  .compare-table th {
    padding: 12px 10px;
    font-size: 13px;
    font-weight: 800;
    text-align: center;
  }
  .compare-table th:nth-child(2) { color: var(--text-muted); }
  .compare-table th:nth-child(3) {
    color: var(--accent2);
    background: rgba(255,107,43,0.08);
    border-radius: 10px 10px 0 0;
  }
  .compare-table td {
    padding: 12px 10px;
    font-size: 13px;
    text-align: center;
    border-bottom: 1px solid var(--border);
    vertical-align: middle;
  }
  .compare-table td:first-child { text-align: left; font-weight: 600; }
  .compare-table td:nth-child(3) {
    background: rgba(255,107,43,0.05);
    font-weight: 700;
    color: var(--accent2);
  }
  .check { color: var(--green); font-size: 16px; }
  .cross { color: #666; font-size: 16px; }

  @keyframes fadeUp {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
  }

  .scroll-reveal {
    opacity: 0;
    transform: translateY(20px);
    transition: opacity 0.5s ease, transform 0.5s ease;
  }
  .scroll-reveal.visible {
    opacity: 1;
    transform: translateY(0);
  }