:root {
    /* 브랜드 컬러: 미래뱅크 로고(원형 그라데이션 m 아이콘) 기준 톤 */
    --primary-color: #146cfd;
    --primary-dark: #0248fd;
    --primary-light: #f0f3f8;
    --accent-red: #ff3b3b;
    --text-color: #16181d;
    --text-muted: #6b7280;
    --bg-color: #ffffff;
    --bg-alt: #f8f7f8;
    --border-color: #ececec;
    --kakao-yellow: #FEE500;
    --kakao-text: #191600;
}

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    font-size: 18px;
    scroll-behavior: smooth;
}

body {
    font-family: 'Pretendard Variable', -apple-system, BlinkMacSystemFont, system-ui, Roboto, 'Helvetica Neue', 'Segoe UI', 'Apple SD Gothic Neo', 'Noto Sans KR', 'Malgun Gothic', 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', sans-serif;
    word-break: keep-all;
    line-height: 1.6;
    color: var(--text-color);
    overflow-x: hidden;
    background-color: var(--bg-color);
    padding-bottom: 66px;
}

@media (max-width: 768px) {
    body {
        padding-bottom: 60px;
    }
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

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

ul, ol {
    list-style: none;
}

button {
    font-family: inherit;
    cursor: pointer;
    background: none;
    border: none;
}

.content {
    max-width: 1160px;
    margin: 0 auto;
    padding: 0 20px;
}

/* 공통 버튼 */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 16px 32px;
    border-radius: 12px;
    font-weight: 700;
    font-size: 1.05rem;
    transition: all 0.2s ease;
    white-space: nowrap;
}

.btn-lg {
    padding: 20px 40px;
    font-size: 1.2rem;
}

.btn-sm {
    padding: 10px 20px;
    font-size: 0.92rem;
    border-radius: 9px;
}

.btn-primary {
    background-color: var(--primary-color);
    color: #fff !important;
}

.btn-primary:hover {
    background-color: var(--primary-dark);
}

.btn-outline {
    background-color: transparent;
    color: var(--text-color) !important;
    border: 1.5px solid var(--border-color);
}

.btn-outline:hover {
    border-color: var(--primary-color);
    color: var(--primary-color) !important;
}

.btn-kakao {
    background-color: var(--kakao-yellow);
    color: var(--kakao-text) !important;
}

.btn-kakao:hover {
    filter: brightness(0.95);
}

.btn-block {
    width: 100%;
}

.btn-disabled {
    opacity: 0.55;
    cursor: not-allowed;
    pointer-events: none;
}

/* 섹션 공통 타이포 */
.eyebrow {
    display: inline-block;
    font-size: 1.3rem;
    font-weight: 800;
    color: var(--primary-color);
    letter-spacing: 0.02em;
    margin-bottom: 14px;
}

.eyebrow.center {
    display: block;
    text-align: center;
}

.eyebrow.light {
    color: #bcd9ff;
}

.section-title {
    font-size: 2.9rem;
    font-weight: 800;
    text-align: center;
    line-height: 1.35;
    margin-bottom: 16px;
}

.section-title.light {
    color: #fff;
}

.section-desc {
    text-align: center;
    color: var(--text-muted);
    font-size: 1.2rem;
    margin-bottom: 40px;
}

.section-desc.light {
    color: rgba(255, 255, 255, 0.75);
}

/* 카드 그리드 */
.card-grid {
    display: grid;
    gap: 24px;
}

.card-grid.two {
    grid-template-columns: repeat(2, 1fr);
}

.card-grid.three {
    grid-template-columns: repeat(3, 1fr);
}

.card-grid.four {
    grid-template-columns: repeat(2, 1fr);
}

@media (max-width: 900px) {
    .section-title {
        font-size: 2.15rem;
    }

    .card-grid.four {
        grid-template-columns: repeat(2, 1fr);
    }

    .card-grid.three {
        grid-template-columns: 1fr;
    }

    .card-grid.two {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 768px) {
    html {
        font-size: 15.5px;
    }

    .content {
        padding: 0 18px;
    }

    .card-grid.four {
        grid-template-columns: 1fr 1fr;
        gap: 16px;
    }
}

@media (max-width: 480px) {
    .card-grid.four {
        grid-template-columns: 1fr;
    }
}