/* ============================================================
   MOA N잡러 — Light Mode Stylesheet
   미래에셋금융서비스 서울행복지사
   테마: 네이비 · 골드 · 크림 / 신뢰감 있는 금융 랜딩
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Nanum+Myeongjo:wght@400;700;800&family=Noto+Sans+KR:wght@300;400;500;700;900&display=swap');

:root {
  --navy:       #1b3a6b;
  --navy-deep:  #0f2347;
  --navy-mid:   #2a52a0;
  --gold:       #c8922a;
  --gold-lt:    #e8b84b;
  --gold-pale:  #fdf3dc;
  --cream:      #fdf8f2;
  --cream2:     #f5efe4;
  --white:      #ffffff;
  --txt-dark:   #1a2340;
  --txt-body:   #3d4461;
  --txt-mid:    #6b7280;
  --txt-light:  #9ca3af;
  --border:     #e2d9ce;
  --border-b:   rgba(27,58,107,0.12);
  --sh-sm:      0 2px 12px rgba(27,58,107,0.07);
  --sh-md:      0 6px 28px rgba(27,58,107,0.11);
  --sh-lg:      0 16px 48px rgba(27,58,107,0.15);
  --r:          14px;
  --r-sm:       8px;
  --r-lg:       22px;
}

*, *::before, *::after { margin:0; padding:0; box-sizing:border-box; }
html { scroll-behavior:smooth; }
body {
  font-family:'Noto Sans KR', sans-serif;
  background:var(--cream);
  color:var(--txt-body);
  line-height:1.6;
  overflow-x:hidden;
  -webkit-font-smoothing:antialiased;
}
::-webkit-scrollbar { width:5px; }
::-webkit-scrollbar-track { background:var(--cream2); }
::-webkit-scrollbar-thumb { background:var(--navy-mid); border-radius:3px; }

/* ── HEADER ── */
.moa-header {
  background:var(--white);
  border-bottom:2px solid var(--navy);
  padding:0 32px;
  height:64px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  position:sticky;
  top:0;
  z-index:200;
  box-shadow:var(--sh-sm);
}
.moa-logo { display:flex; align-items:center; gap:12px; }
.moa-logo-icon {
  width:40px; height:40px;
  background:var(--navy);
  border-radius:10px;
  display:flex; align-items:center; justify-content:center;
  font-family:'Nanum Myeongjo', serif;
  font-size:18px; font-weight:800;
  color:var(--gold-lt);
  box-shadow:0 2px 8px rgba(27,58,107,0.25);
}
.moa-logo-text { line-height:1.25; }
.moa-logo-main { font-size:17px; font-weight:900; color:var(--navy); letter-spacing:-0.3px; }
.moa-logo-sub  { font-size:10px; color:var(--txt-mid); letter-spacing:0.2px; }
.moa-header-badge {
  background:var(--gold-pale);
  border:1px solid var(--gold);
  border-radius:20px;
  padding:5px 14px;
  font-size:11px;
  font-weight:700;
  color:var(--gold);
  letter-spacing:0.3px;
}

/* ── HERO ── */
.moa-hero {
  position:relative;
  background:var(--navy-deep);
  overflow:hidden;
  padding:80px 24px 72px;
  text-align:center;
}
/* 배경 패턴 */
.moa-hero::before {
  content:'';
  position:absolute;
  inset:0;
  background:
    radial-gradient(ellipse 80% 60% at 50% -10%, rgba(200,146,42,0.18) 0%, transparent 70%),
    repeating-linear-gradient(
      -45deg,
      transparent,
      transparent 28px,
      rgba(255,255,255,0.02) 28px,
      rgba(255,255,255,0.02) 29px
    );
  pointer-events:none;
}
.moa-hero::after {
  content:'';
  position:absolute;
  bottom:-2px; left:0; right:0;
  height:60px;
  background:var(--cream);
  clip-path:ellipse(55% 100% at 50% 100%);
}
.moa-hero-inner { position:relative; z-index:1; max-width:680px; margin:0 auto; }

.moa-hero-eyebrow {
  display:inline-flex;
  align-items:center;
  gap:7px;
  background:rgba(200,146,42,0.18);
  border:1px solid rgba(200,146,42,0.45);
  border-radius:20px;
  padding:5px 16px;
  font-size:11px;
  font-weight:700;
  color:var(--gold-lt);
  letter-spacing:1px;
  margin-bottom:24px;
  animation:fade-up .5s ease both;
}
.blink { animation:blink 1.4s ease infinite; display:inline-block; }
@keyframes blink { 0%,100%{opacity:1} 50%{opacity:.3} }

.moa-hero-title {
  font-family:'Nanum Myeongjo', serif;
  font-size:clamp(34px,7vw,60px);
  font-weight:800;
  color:var(--white);
  line-height:1.2;
  letter-spacing:-1px;
  margin-bottom:18px;
  animation:fade-up .5s .1s ease both;
}
.moa-hero-title .gold {
  background:linear-gradient(120deg,var(--gold-lt),var(--gold));
  -webkit-background-clip:text;
  -webkit-text-fill-color:transparent;
  background-clip:text;
}

.moa-hero-sub {
  font-size:clamp(14px,2.5vw,17px);
  color:rgba(255,255,255,0.72);
  max-width:500px;
  margin:0 auto 36px;
  line-height:1.75;
  animation:fade-up .5s .2s ease both;
}

/* 통계 */
.moa-stats {
  display:flex;
  justify-content:center;
  gap:0;
  margin-bottom:40px;
  animation:fade-up .5s .3s ease both;
  border:1px solid rgba(255,255,255,0.12);
  border-radius:var(--r);
  overflow:hidden;
  background:rgba(255,255,255,0.05);
  backdrop-filter:blur(6px);
  max-width:520px;
  margin-left:auto;
  margin-right:auto;
  margin-bottom:40px;
}
.stat-item {
  flex:1;
  padding:18px 10px;
  text-align:center;
  border-right:1px solid rgba(255,255,255,0.1);
}
.stat-item:last-child { border-right:none; }
.stat-num {
  font-family:'Nanum Myeongjo', serif;
  font-size:clamp(20px,4vw,28px);
  font-weight:800;
  color:var(--gold-lt);
  display:block;
  line-height:1.1;
}
.stat-lbl {
  font-size:10px;
  color:rgba(255,255,255,0.55);
  margin-top:5px;
  display:block;
  letter-spacing:0.3px;
}

.moa-hero-cta { animation:fade-up .5s .4s ease both; }

.btn-primary {
  display:inline-flex;
  align-items:center;
  gap:9px;
  background:linear-gradient(135deg,var(--gold-lt),var(--gold));
  color:var(--navy-deep);
  font-weight:900;
  font-size:16px;
  padding:16px 38px;
  border-radius:50px;
  border:none;
  cursor:pointer;
  text-decoration:none;
  font-family:'Noto Sans KR', sans-serif;
  letter-spacing:-0.2px;
  box-shadow:0 8px 28px rgba(200,146,42,0.45);
  transition:all .25s ease;
}
.btn-primary:hover {
  transform:translateY(-3px);
  box-shadow:0 14px 36px rgba(200,146,42,0.55);
}
.btn-arrow { font-size:18px; transition:transform .25s; }
.btn-primary:hover .btn-arrow { transform:translateX(5px); }

.hero-note {
  margin-top:16px;
  font-size:11px;
  color:rgba(255,255,255,0.38);
  letter-spacing:0.2px;
}

/* ── SECTION 공통 ── */
.moa-section {
  padding:72px 24px;
  max-width:1080px;
  margin:0 auto;
}
.sec-head { text-align:center; margin-bottom:50px; }
.sec-tag {
  display:inline-block;
  background:var(--gold-pale);
  border:1px solid var(--gold);
  border-radius:20px;
  padding:4px 14px;
  font-size:11px;
  font-weight:700;
  color:var(--gold);
  letter-spacing:1px;
  margin-bottom:14px;
}
.sec-title {
  font-family:'Nanum Myeongjo', serif;
  font-size:clamp(24px,4.5vw,36px);
  font-weight:800;
  color:var(--navy-deep);
  letter-spacing:-0.5px;
  margin-bottom:10px;
}
.sec-desc { font-size:14px; color:var(--txt-mid); max-width:480px; margin:0 auto; line-height:1.7; }

/* ── FEATURES ── */
.features-grid {
  display:grid;
  grid-template-columns:repeat(auto-fit, minmax(230px, 1fr));
  gap:20px;
}
.feat-card {
  background:var(--white);
  border:1px solid var(--border);
  border-radius:var(--r);
  padding:28px 24px;
  box-shadow:var(--sh-sm);
  transition:all .25s ease;
  position:relative;
  overflow:hidden;
}
.feat-card::after {
  content:'';
  position:absolute;
  bottom:0; left:0; right:0;
  height:3px;
  background:linear-gradient(90deg,var(--navy),var(--navy-mid));
  transform:scaleX(0);
  transform-origin:left;
  transition:transform .3s ease;
}
.feat-card:hover { transform:translateY(-5px); box-shadow:var(--sh-md); border-color:var(--border-b); }
.feat-card:hover::after { transform:scaleX(1); }
.feat-icon {
  width:48px; height:48px;
  background:var(--gold-pale);
  border-radius:12px;
  display:flex; align-items:center; justify-content:center;
  font-size:22px;
  margin-bottom:16px;
}
.feat-title { font-size:15px; font-weight:700; color:var(--navy-deep); margin-bottom:8px; }
.feat-desc  { font-size:13px; color:var(--txt-mid); line-height:1.65; }

/* ── STEPS ── */
.steps-bg {
  background:var(--navy-deep);
  padding:72px 24px;
  position:relative;
  overflow:hidden;
}
.steps-bg::before {
  content:'';
  position:absolute;
  inset:0;
  background:repeating-linear-gradient(
    -45deg, transparent, transparent 30px,
    rgba(255,255,255,0.02) 30px, rgba(255,255,255,0.02) 31px
  );
  pointer-events:none;
}
.steps-inner { max-width:900px; margin:0 auto; position:relative; z-index:1; }
.steps-inner .sec-title { color:var(--white); }
.steps-inner .sec-desc  { color:rgba(255,255,255,0.55); }

.steps-grid {
  display:grid;
  grid-template-columns:repeat(auto-fit, minmax(180px,1fr));
  gap:16px;
  position:relative;
}
/* 연결선 */
.steps-grid::before {
  content:'';
  position:absolute;
  top:40px; left:12%; right:12%;
  height:2px;
  background:linear-gradient(90deg,var(--gold),var(--gold-lt));
  opacity:.4;
}
.step-item { text-align:center; padding:12px 10px; position:relative; z-index:1; }
.step-num {
  width:52px; height:52px;
  border-radius:50%;
  background:linear-gradient(135deg,var(--gold-lt),var(--gold));
  color:var(--navy-deep);
  font-family:'Nanum Myeongjo',serif;
  font-size:20px; font-weight:800;
  display:flex; align-items:center; justify-content:center;
  margin:0 auto 16px;
  box-shadow:0 4px 16px rgba(200,146,42,0.4);
}
.step-title { font-size:14px; font-weight:700; color:var(--white); margin-bottom:6px; }
.step-desc  { font-size:12px; color:rgba(255,255,255,0.55); line-height:1.6; }

/* ── DIVIDER ── */
.moa-divider {
  height:1px;
  background:linear-gradient(90deg,transparent,var(--border),transparent);
  margin:0 auto;
}

/* ── CONSULT SECTION ── */
.consult-section {
  padding:72px 24px 80px;
  background:var(--cream2);
}
.consult-wrap { max-width:660px; margin:0 auto; }

.form-card {
  background:var(--white);
  border:1px solid var(--border);
  border-radius:var(--r-lg);
  padding:44px 40px;
  box-shadow:var(--sh-lg);
  position:relative;
  overflow:hidden;
}
.form-card::before {
  content:'';
  position:absolute;
  top:0; left:0; right:0;
  height:4px;
  background:linear-gradient(90deg,var(--navy),var(--navy-mid),var(--gold));
}
.form-header { text-align:center; margin-bottom:34px; }
.form-badge {
  display:inline-block;
  background:var(--navy);
  color:var(--white);
  font-size:10px;
  font-weight:700;
  letter-spacing:2px;
  padding:4px 14px;
  border-radius:20px;
  margin-bottom:12px;
}
.form-title { font-family:'Nanum Myeongjo',serif; font-size:24px; font-weight:800; color:var(--navy-deep); margin-bottom:6px; }
.form-sub   { font-size:13px; color:var(--txt-mid); }

/* Form elements */
.form-row   { display:grid; grid-template-columns:1fr 1fr; gap:16px; }
.form-group { margin-bottom:18px; }
.form-label {
  display:flex; align-items:center; gap:4px;
  font-size:12px; font-weight:700;
  color:var(--txt-dark);
  margin-bottom:7px;
  letter-spacing:0.2px;
}
.req { color:var(--gold); font-size:14px; line-height:1; }

.form-control {
  width:100%;
  padding:12px 15px;
  background:var(--cream);
  border:1.5px solid var(--border);
  border-radius:var(--r-sm);
  color:var(--txt-dark);
  font-family:'Noto Sans KR',sans-serif;
  font-size:14px;
  outline:none;
  transition:all .2s ease;
  -webkit-appearance:none;
  appearance:none;
}
.form-control::placeholder { color:var(--txt-light); }
.form-control:focus {
  border-color:var(--navy-mid);
  background:var(--white);
  box-shadow:0 0 0 3px rgba(42,82,160,0.1);
}
.form-control:hover:not(:focus) { border-color:#b8c0d4; }
select.form-control {
  cursor:pointer;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236b7280' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;
  background-position:right 14px center;
  padding-right:36px;
}
select.form-control option { background:var(--white); color:var(--txt-dark); }
textarea.form-control { resize:vertical; min-height:88px; line-height:1.6; }

.form-control.is-error { border-color:#d93025; background:#fff8f7; }
.form-control.is-valid { border-color:#1e8c5a; background:#f4fdf8; }
.field-error { font-size:11px; color:#d93025; margin-top:5px; display:none; }
.field-error.show { display:block; }

/* 개인정보 동의 */
.privacy-row {
  display:flex; align-items:flex-start; gap:10px;
  margin-bottom:24px;
  background:var(--gold-pale);
  border:1px solid rgba(200,146,42,0.35);
  border-radius:var(--r-sm);
  padding:14px 16px;
}
.privacy-chk {
  width:17px; height:17px; min-width:17px;
  border:2px solid var(--border);
  border-radius:4px;
  cursor:pointer;
  accent-color:var(--navy);
  margin-top:2px;
}
.privacy-text { font-size:12px; color:var(--txt-body); line-height:1.65; }
.privacy-link {
  color:var(--navy-mid);
  text-decoration:underline;
  cursor:pointer;
  background:none; border:none;
  font-size:12px; font-family:inherit;
  padding:0; font-weight:700;
}
.privacy-link:hover { color:var(--navy); }

/* 알림 */
.moa-alert {
  padding:13px 16px;
  border-radius:var(--r-sm);
  font-size:13px;
  margin-bottom:20px;
  display:none; align-items:flex-start; gap:9px;
}
.moa-alert.show { display:flex; }
.moa-alert.success { background:#edf7f1; border:1px solid #a7dfc1; color:#1e6f45; }
.moa-alert.error   { background:#fdf0ee; border:1px solid #f5b8b3; color:#c0392b; }

/* 제출 버튼 */
.btn-submit {
  width:100%;
  padding:16px;
  background:var(--navy);
  color:var(--white);
  font-weight:900;
  font-size:16px;
  border:none;
  border-radius:50px;
  cursor:pointer;
  font-family:'Noto Sans KR',sans-serif;
  letter-spacing:-0.2px;
  transition:all .25s ease;
  display:flex; align-items:center; justify-content:center; gap:8px;
  box-shadow:0 6px 20px rgba(27,58,107,0.3);
}
.btn-submit:hover { background:var(--navy-mid); transform:translateY(-2px); box-shadow:0 10px 28px rgba(27,58,107,0.4); }
.btn-submit:active { transform:translateY(0); }
.btn-submit:disabled { opacity:.6; cursor:not-allowed; transform:none; }
.btn-submit .spinner {
  width:17px; height:17px;
  border:2px solid rgba(255,255,255,.3);
  border-top-color:#fff;
  border-radius:50%;
  animation:spin .7s linear infinite;
  display:none;
}
.btn-submit.loading .spinner { display:block; }
@keyframes spin { to { transform:rotate(360deg); } }

/* 성공 화면 */
.form-success { text-align:center; padding:36px 16px; display:none; }
.form-success.show { display:block; }
.success-icon { font-size:56px; margin-bottom:18px; animation:pop-in .5s cubic-bezier(.175,.885,.32,1.275) both; }
@keyframes pop-in { from{transform:scale(0);opacity:0} to{transform:scale(1);opacity:1} }
.success-title { font-family:'Nanum Myeongjo',serif; font-size:24px; font-weight:800; color:var(--navy); margin-bottom:12px; }
.success-desc  { color:var(--txt-mid); font-size:14px; line-height:1.75; }

/* 하단 안내 */
.form-footnote { text-align:center; font-size:11px; color:var(--txt-light); margin-top:16px; line-height:1.7; }

/* ── FOOTER ── */
.moa-footer {
  background:var(--navy-deep);
  padding:36px 24px;
  text-align:center;
}
.footer-logo    { font-family:'Nanum Myeongjo',serif; font-size:17px; font-weight:800; color:var(--gold-lt); margin-bottom:5px; }
.footer-company { font-size:12px; color:rgba(255,255,255,.45); margin-bottom:10px; }
.footer-copy    { font-size:11px; color:rgba(255,255,255,.28); line-height:1.7; }

/* ── ANIMATIONS ── */
@keyframes fade-up {
  from { opacity:0; transform:translateY(22px); }
  to   { opacity:1; transform:translateY(0); }
}
.reveal {
  opacity:0; transform:translateY(22px);
  transition:opacity .6s ease, transform .6s ease;
}
.reveal.visible { opacity:1; transform:none; }

/* ── RESPONSIVE ── */
@media (max-width:600px) {
  .moa-header   { padding:0 16px; }
  .moa-hero     { padding:56px 16px 60px; }
  .form-card    { padding:28px 18px; }
  .form-row     { grid-template-columns:1fr; }
  .steps-grid::before { display:none; }
  .moa-stats    { flex-wrap:wrap; }
}