/* ZeroFitter 공통 스타일 — 시니어 가독성 기준(본문 17px / 행간 1.75 / 대비 4.5:1 / 터치 52px) */
:root{
  --brand:#2CB596;        /* 브랜드 틸 — 면·마크용 */
  --brand-deep:#17705C;   /* 텍스트·링크용 (흰 배경 대비 4.9:1) */
  --brand-soft:#E8F5F1;
  --navy:#1F3A5F;
  --navy-deep:#16304F;
  --gold:#B58A2E;
  --ink:#16202B;
  --ink2:#42525F;
  --ink3:#6B7A87;
  --line:#E4E9EC;
  --surface:#FFFFFF;
  --tint:#F6F9F9;
  --radius:14px;
  --maxw:1140px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:88px}
body{
  margin:0;background:var(--surface);color:var(--ink);
  font-family:'Pretendard','Malgun Gothic','Noto Sans KR',system-ui,-apple-system,sans-serif;
  font-size:18px;line-height:1.8;-webkit-font-smoothing:antialiased;
  word-break:keep-all;overflow-wrap:break-word;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--brand-deep)}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.sec{padding:68px 0}
.sec.tint{background:var(--tint)}
.sec.navy{background:var(--navy);color:#fff}
.sec.navy h2,.sec.navy h3{color:#fff}
.sec.navy p{color:#C7D5E4}

h1,h2,h3,h4{color:var(--navy);letter-spacing:-.02em;margin:0 0 14px;line-height:1.3}
h1{font-size:38px;font-weight:800}
h2{font-size:29px;font-weight:800}
h3{font-size:21px;font-weight:700}
.eyebrow{color:var(--gold);font-weight:700;font-size:14px;letter-spacing:.09em;margin:0 0 8px}
.lead{font-size:19px;color:var(--ink2);max-width:64ch;margin:0 0 8px}
.muted{color:var(--ink3);font-size:15px}
.center{text-align:center}
.center .lead{margin-left:auto;margin-right:auto}

/* 버튼 — 최소 터치 52px */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;
  min-height:52px;padding:14px 26px;border-radius:10px;font-size:17px;font-weight:700;
  text-decoration:none;border:2px solid transparent;cursor:pointer;transition:.15s;line-height:1.2}
.btn-primary{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-primary:hover{background:var(--navy-deep)}
.btn-brand{background:var(--brand-deep);color:#fff;border-color:var(--brand-deep)}
.btn-brand:hover{filter:brightness(1.08)}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--navy)}
.btn-ghost:hover{background:var(--tint)}
.btn-lg{min-height:60px;font-size:19px;padding:16px 32px}
.btn-block{display:flex;width:100%}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}

/* 헤더 */
.zf-banner{background:var(--navy);color:#fff;font-size:14.5px;padding:9px 0;text-align:center}
.zf-banner b{color:#F0C863}
.zf-banner a{color:#fff;text-decoration:underline;margin-left:8px;white-space:nowrap}
.zf-head{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);
  backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.zf-head .in{display:flex;align-items:center;justify-content:space-between;height:74px;gap:16px}
.zf-logo{display:flex;align-items:center;gap:9px;text-decoration:none;font-weight:800;
  font-size:21px;color:var(--navy);letter-spacing:-.02em}
.zf-logo img{height:34px;width:auto}
.zf-nav{display:flex;gap:19px;align-items:center}
.zf-nav a{color:var(--ink2);text-decoration:none;font-weight:600;font-size:16.5px;white-space:nowrap}
.zf-nav a:hover,.zf-nav a[aria-current]{color:var(--brand-deep)}
.zf-nav a.cta{background:var(--navy);color:#fff;padding:11px 18px;border-radius:9px;min-height:auto}
.zf-nav a.cta:hover{background:var(--navy-deep);color:#fff}
.zf-burger{display:none;background:none;border:1px solid var(--line);border-radius:9px;
  width:50px;height:50px;font-size:22px;color:var(--navy);cursor:pointer}
.zf-mob{display:none;border-top:1px solid var(--line);background:#fff;padding:8px 0 16px}
.zf-mob a{display:block;padding:15px 20px;color:var(--ink);text-decoration:none;font-weight:600;
  border-bottom:1px solid var(--line)}
@media(max-width:940px){
  .zf-nav{display:none}.zf-burger{display:block}.zf-mob.open{display:block}
}

/* 카드·그리드 */
.grid{display:grid;gap:18px}
.g2{grid-template-columns:repeat(auto-fit,minmax(320px,1fr))}
.g3{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.g4{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 24px}
.card.tinted{background:var(--tint)}
.card.brand{background:var(--brand-soft);border-color:#BFE2D8}
.card h3{margin-bottom:8px}
.card p{margin:0;color:var(--ink2);font-size:16.5px}
.card .num{width:44px;height:44px;border-radius:12px;background:var(--navy);color:#fff;
  display:flex;align-items:center;justify-content:center;font-weight:800;font-size:19px;margin-bottom:14px}
.card .num.g{background:var(--brand-deep)}
.card .num.d{background:var(--gold)}

/* 3갈래 분기 */
.forks{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(290px,1fr));margin-top:30px}
.fork{display:flex;flex-direction:column;background:#fff;border:2px solid var(--line);border-radius:var(--radius);
  padding:30px 26px;text-decoration:none;transition:.18s}
.fork:hover{border-color:var(--brand);box-shadow:0 10px 28px rgba(23,112,92,.12);transform:translateY(-3px)}
.fork .ico{font-size:34px;margin-bottom:12px}
.fork .t{font-size:22px;font-weight:800;color:var(--navy);margin-bottom:6px}
.fork .d{color:var(--ink2);font-size:16.5px;margin:0 0 14px}
.fork .d{flex:1}
.fork .go{color:var(--brand-deep);font-weight:700}

/* 표 */
.tbl{width:100%;border-collapse:collapse;font-size:16.5px;background:#fff}
.tbl th{background:var(--brand-soft);color:var(--navy);text-align:left;padding:13px 14px;
  font-weight:700;border-bottom:2px solid var(--brand)}
.tbl td{padding:13px 14px;border-bottom:1px solid var(--line);color:var(--ink2)}
.tbl td.r,.tbl th.r{text-align:right}
.tbl tr:last-child td{border-bottom:none}
.tblwrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius)}

/* 배지·목록 */
.chip{display:inline-block;padding:5px 13px;border-radius:20px;font-size:14.5px;font-weight:700}
.chip.ok{background:#E5F3EC;color:#1B5E42}
.chip.warn{background:#FBF3E2;color:#7A5C12}
.chip.off{background:#EEF1F3;color:#5A6B7A}
.checks{list-style:none;padding:0;margin:0}
.checks li{position:relative;padding:9px 0 9px 34px;color:var(--ink2);font-size:16.5px}
.checks li::before{content:'✓';position:absolute;left:0;top:9px;width:22px;height:22px;
  background:var(--brand-deep);color:#fff;border-radius:50%;font-size:13px;font-weight:700;
  display:flex;align-items:center;justify-content:center}
.checks.x li::before{content:'!';background:var(--gold)}

/* 폼 */
.form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 26px}
.field{margin-bottom:18px}
.field label{display:block;font-weight:700;color:var(--navy);margin-bottom:7px;font-size:16.5px}
.field input,.field select,.field textarea{
  width:100%;font:inherit;font-size:17px;padding:14px 15px;border:1px solid #C9D3D9;
  border-radius:10px;background:#fff;color:var(--ink);min-height:52px}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:3px solid rgba(44,181,150,.35);border-color:var(--brand-deep)}
.field .hint{font-size:14.5px;color:var(--ink3);margin-top:6px}
.agree{display:flex;gap:10px;align-items:flex-start;font-size:15.5px;color:var(--ink2)}
.agree input{width:22px;height:22px;min-height:auto;flex:none;margin-top:3px}

/* 고지 */
.legal{background:#FBFAF5;border:1px solid #E8DFC4;border-radius:11px;padding:16px 18px;
  font-size:14.5px;color:#6B5A2C;line-height:1.7}
.legal b{color:#5A4A1E}
.foot-legal{font-size:14px;color:var(--ink3);line-height:1.8}

/* 푸터 */
.zf-foot{background:#12202E;color:#9FB1C1;padding:52px 0 34px;font-size:15.5px;margin-top:20px}
.zf-foot h4{color:#fff;font-size:16px;margin:0 0 12px}
.zf-foot a{color:#C4D3DF;text-decoration:none;display:block;padding:5px 0}
.zf-foot a:hover{color:#fff}
.zf-foot .cols{display:grid;gap:28px;grid-template-columns:1.6fr 1fr 1fr 1fr}
.zf-foot .bot{border-top:1px solid #24384C;margin-top:30px;padding-top:22px;font-size:14px;color:#7C8FA0}
@media(max-width:820px){.zf-foot .cols{grid-template-columns:1fr 1fr}}

@media(max-width:640px){
  h1{font-size:29px}h2{font-size:24px}.lead{font-size:17.5px}
  .sec{padding:48px 0}body{font-size:16.5px}
}
.skip{position:absolute;left:-9999px}
.skip:focus{left:12px;top:12px;z-index:100;background:#fff;padding:12px 18px;border-radius:8px}


/* ── 헤더 전화 상시 노출 (2026-08-02) — 시니어는 폼보다 전화를 씁니다 ── */
.zf-tel{display:inline-flex;align-items:center;gap:6px;flex:none;padding:9px 14px;
  border:1.5px solid var(--brand,#0e4429);border-radius:999px;color:var(--brand,#0e4429);
  font-weight:800;font-size:15.5px;text-decoration:none;white-space:nowrap;min-height:44px}
.zf-tel:hover{background:var(--brand,#0e4429);color:#fff}
.zf-head .in{flex-wrap:nowrap}
.zf-logo span{white-space:nowrap}
/* 좁은 데스크톱에서는 헤더 전화 버튼을 감추고 모바일 메뉴 쪽에서 보여준다 */
@media(max-width:1160px){.zf-tel.head-only{display:none}}
.zf-mob .zf-tel{margin-top:12px;width:100%;justify-content:center;font-size:17px}