:root{
  --navy:#081b45;--navy2:#0d2a66;--blue:#0b74ff;--blue2:#1f4ed8;--sky:#59d8ff;--mint:#2ad8a1;--yellow:#ffd84a;
  --text:#0d1b3d;--muted:#6f7f9f;--line:#e8edf6;--soft:#f4f8ff;--white:#fff;--danger:#e84f5b;
  --shadow:0 24px 70px rgba(17,67,150,.13);--shadow-sm:0 12px 32px rgba(17,67,150,.09);--r-xl:34px;--r-lg:24px;--r-md:18px;
  --container:min(1180px,calc(100% - 40px));
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Pretendard,"Noto Sans KR","Apple SD Gothic Neo",Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--text);background:#fff;line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;display:block}a{color:inherit;text-decoration:none}button,input,textarea,select{font:inherit}.container{width:var(--container);margin-inline:auto}.skip-link{position:fixed;left:12px;top:-60px;z-index:9999;background:#111;color:#fff;padding:10px 14px;border-radius:10px}.skip-link:focus{top:12px}
.site-header{position:sticky;top:0;z-index:90;background:rgba(255,255,255,.88);backdrop-filter:blur(18px);border-bottom:1px solid rgba(230,237,249,.78);transition:.25s}.site-header.scrolled{box-shadow:0 10px 30px rgba(14,42,101,.08)}.nav-shell{width:var(--container);height:80px;margin:auto;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand img{width:168px;height:auto}.desktop-nav{display:flex;align-items:center;gap:28px;margin-left:auto}.desktop-nav a{font-size:14px;font-weight:700;color:#455473;position:relative;padding:28px 0}.desktop-nav a:after{content:"";position:absolute;height:3px;border-radius:99px;background:var(--blue);left:50%;right:50%;bottom:17px;transition:.22s}.desktop-nav a:hover,.desktop-nav a.active{color:var(--blue)}.desktop-nav a:hover:after,.desktop-nav a.active:after{left:4px;right:4px}.nav-actions{display:flex;gap:10px;align-items:center}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:999px;font-weight:800;cursor:pointer;transition:.2s;white-space:nowrap}.btn:hover{transform:translateY(-2px)}.btn-sm{min-height:42px;padding:0 18px;font-size:14px}.btn-lg{min-height:58px;padding:0 28px;font-size:16px}.btn-primary{background:linear-gradient(135deg,var(--blue),var(--blue2));color:#fff;box-shadow:0 12px 28px rgba(11,116,255,.25)}.btn-accent{background:var(--yellow);color:#0b204d;box-shadow:0 12px 28px rgba(255,216,74,.22)}.btn-ghost{background:#fff;border:1px solid #dbe6f7;color:#194279}.btn-light{background:rgba(255,255,255,.12);color:#fff;border:1px solid rgba(255,255,255,.28)}.menu-toggle{display:none;width:44px;height:44px;border:1px solid #e3eaf5;background:#fff;border-radius:14px;padding:12px}.menu-toggle span{display:block;height:2px;background:#173360;border-radius:99px;margin:4px 0}.mobile-menu{display:none}.announcement{background:#08204e;color:#dbeaff;font-size:13px}.announcement-inner{min-height:38px;display:flex;align-items:center;justify-content:center;gap:9px}.announcement a{margin-left:14px;color:#7de7ff;font-weight:800}.pulse-dot{width:8px;height:8px;border-radius:50%;background:#42e3ad;box-shadow:0 0 0 0 rgba(66,227,173,.6);animation:pulse 2s infinite}@keyframes pulse{70%{box-shadow:0 0 0 9px rgba(66,227,173,0)}100%{box-shadow:0 0 0 0 rgba(66,227,173,0)}}
.hero{position:relative;overflow:hidden;background:radial-gradient(circle at 77% 26%,rgba(78,220,255,.34),transparent 20%),radial-gradient(circle at 13% 18%,rgba(84,155,255,.28),transparent 27%),linear-gradient(135deg,#071a47 0%,#0b47c8 46%,#077cf4 100%);color:#fff;padding:86px 0 72px}.hero:before{content:"H";position:absolute;right:-20px;bottom:-225px;font-size:610px;font-family:Arial;font-weight:900;line-height:1;color:rgba(255,255,255,.04);transform:rotate(-8deg)}.hero-orb{position:absolute;border-radius:50%;filter:blur(2px);animation:floaty 7s ease-in-out infinite}.orb1{width:86px;height:86px;background:rgba(100,224,255,.14);left:7%;top:23%}.orb2{width:42px;height:42px;background:#ffd84a;right:10%;top:16%;box-shadow:0 0 40px rgba(255,216,74,.25);animation-delay:-2s}.orb3{width:62px;height:62px;border:1px solid rgba(255,255,255,.19);right:41%;bottom:12%;animation-delay:-4s}@keyframes floaty{50%{transform:translateY(-13px) rotate(7deg)}}.hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:1.02fr .98fr;gap:50px;align-items:center}.hero-badge{display:inline-flex;align-items:center;gap:10px;padding:8px 13px;border-radius:999px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.19);font-size:13px;font-weight:800;margin-bottom:20px}.hero-badge img{width:22px}.hero h1{font-size:clamp(48px,5vw,76px);line-height:1.08;letter-spacing:-.045em;margin:0 0 22px}.hero h1 em{font-style:normal;color:#70e5ff}.hero-copy{font-size:19px;color:#d9e8ff;max-width:620px;margin:0 0 28px}.hero-points{display:flex;flex-wrap:wrap;gap:9px;margin-bottom:30px}.hero-point{display:flex;align-items:center;gap:7px;background:rgba(4,20,60,.24);border:1px solid rgba(255,255,255,.15);padding:9px 12px;border-radius:999px;font-size:13px;font-weight:700}.hero-point span:first-child{display:grid;place-items:center;width:22px;height:22px;border-radius:50%;background:rgba(255,216,74,.15);color:var(--yellow)}.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.hero-note{margin-top:17px;font-size:12px;color:#bcd4ff}.hero-visual{position:relative;min-height:500px}.phone{position:absolute;right:82px;top:2px;width:286px;height:524px;background:#07132c;border-radius:46px;border:8px solid #0a1430;box-shadow:0 34px 80px rgba(0,0,0,.31);padding:13px;transform:rotate(4deg)}.phone:before{content:"";position:absolute;width:92px;height:24px;border-radius:0 0 15px 15px;background:#07132c;top:0;left:50%;transform:translateX(-50%);z-index:4}.phone-screen{height:100%;border-radius:31px;overflow:hidden;background:#f7fbff;color:var(--text);position:relative}.phone-top{height:93px;background:linear-gradient(135deg,#0a3eb8,#0d83ff);display:flex;align-items:flex-end;padding:0 18px 18px;color:#fff}.phone-logo{display:flex;align-items:center;gap:9px;font-weight:900}.phone-logo img{width:29px}.phone-content{padding:17px}.phone-title{font-weight:900;font-size:21px;letter-spacing:-.03em;margin-bottom:4px}.phone-sub{font-size:12px;color:#7485a6;margin-bottom:15px}.phone-step{display:flex;align-items:center;gap:11px;background:#fff;border:1px solid #e5edf8;border-radius:16px;padding:12px;margin:9px 0;box-shadow:0 6px 18px rgba(17,67,150,.05)}.phone-step .check{width:28px;height:28px;border-radius:50%;background:#e9f6ff;color:#0b74ff;display:grid;place-items:center;font-weight:900}.phone-step strong{font-size:13px}.phone-step small{display:block;font-size:10px;color:#8592aa}.phone-cta{margin-top:15px;background:var(--yellow);border-radius:15px;padding:13px;text-align:center;font-size:13px;font-weight:900}.buddy{position:absolute;width:274px;left:-7px;bottom:-36px;z-index:3;filter:drop-shadow(0 20px 25px rgba(4,18,60,.25));animation:floaty 6s ease-in-out infinite}.floating-card{position:absolute;background:rgba(255,255,255,.95);color:var(--text);border-radius:18px;box-shadow:0 20px 45px rgba(0,31,95,.22);padding:15px 17px;z-index:5;min-width:180px}.floating-card strong{font-size:14px}.floating-card small{display:block;color:#7382a0}.fc1{left:17px;top:40px;transform:rotate(-5deg)}.fc2{right:0;bottom:82px;transform:rotate(4deg)}.fc-icon{width:30px;height:30px;border-radius:10px;background:#e8f5ff;color:#0b74ff;display:grid;place-items:center;margin-bottom:9px;font-weight:900}.trust-strip{position:relative;z-index:5;margin-top:-32px}.trust-panel{background:#fff;border:1px solid #e6edf8;border-radius:27px;box-shadow:var(--shadow);display:grid;grid-template-columns:repeat(4,1fr);padding:18px}.trust-item{display:flex;align-items:center;gap:13px;padding:12px 22px;border-right:1px solid #ecf1f8}.trust-item:last-child{border-right:0}.trust-icon{width:48px;height:48px;border-radius:15px;display:grid;place-items:center;background:#eaf5ff;color:#0b74ff;font-size:22px;font-weight:900}.trust-item strong{display:block;font-size:16px}.trust-item span{font-size:12px;color:#7a89a4}
.section{padding:100px 0}.section-soft{background:linear-gradient(180deg,#fbfdff,#f4f8ff)}.section-dark{background:linear-gradient(135deg,#071a47,#0c347f);color:#fff;position:relative;overflow:hidden}.section-dark:after{content:"H";position:absolute;right:-60px;bottom:-290px;font:900 600px Arial;color:rgba(255,255,255,.035);transform:rotate(-10deg)}.section-head{text-align:center;max-width:760px;margin:0 auto 48px}.eyebrow{margin:0 0 8px;color:var(--blue);font-size:12px;letter-spacing:.16em;font-weight:900}.eyebrow.light{color:#73e8ff}.section-head h2,.page-hero h1{font-size:clamp(34px,4vw,52px);letter-spacing:-.04em;line-height:1.2;margin:0 0 14px}.section-head p{margin:0;color:var(--muted);font-size:17px}.section-dark .section-head p{color:#c9d9f4}.cards-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.feature-card{background:#fff;border:1px solid #e7eef8;border-radius:24px;padding:27px 24px;box-shadow:0 8px 28px rgba(17,67,150,.055);transition:.25s;position:relative;overflow:hidden}.feature-card:hover{transform:translateY(-7px);box-shadow:0 22px 45px rgba(17,67,150,.12)}.feature-card:after{content:"H";font:bold 78px Arial;position:absolute;right:-5px;bottom:-24px;color:#eef6ff}.feature-icon{width:58px;height:58px;border-radius:18px;display:grid;place-items:center;background:linear-gradient(135deg,#e5f5ff,#edf0ff);color:#0b74ff;font-size:26px;margin-bottom:18px}.feature-card h3{font-size:20px;margin:0 0 8px}.feature-card p{font-size:14px;color:var(--muted);margin:0;position:relative;z-index:2}.service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.service-card{border-radius:26px;padding:28px;background:#fff;border:1px solid #e8edf6;box-shadow:var(--shadow-sm);position:relative;overflow:hidden}.service-card .num{position:absolute;right:20px;top:13px;font-size:42px;font-weight:900;color:#edf4ff}.service-card h3{font-size:22px;margin:18px 0 8px}.service-card p{color:var(--muted);font-size:14px}.service-card a{display:inline-flex;margin-top:12px;color:var(--blue);font-weight:900;font-size:13px}.service-art{height:128px;border-radius:20px;background:linear-gradient(135deg,#e8f6ff,#eef1ff);display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden}.service-art img{height:86px;z-index:2}.service-art:before{content:"";position:absolute;width:110px;height:110px;border-radius:50%;background:rgba(69,201,255,.2);right:10%;top:-30px}.story-stack{max-width:900px;margin:auto}.story-card{position:sticky;top:118px;min-height:290px;border-radius:32px;margin-bottom:35px;padding:44px 50px;box-shadow:0 30px 80px rgba(8,36,89,.16);overflow:hidden;display:grid;grid-template-columns:1fr auto;align-items:center}.story-card:nth-child(1){background:#fff}.story-card:nth-child(2){background:#eaf6ff;top:135px}.story-card:nth-child(3){background:#0b52d5;color:#fff;top:152px}.story-card:nth-child(4){background:#081b45;color:#fff;top:169px}.story-card .story-no{font-size:80px;font-weight:900;letter-spacing:-.05em;opacity:.1}.story-card h3{font-size:32px;margin:6px 0 9px;letter-spacing:-.03em}.story-card p{margin:0;max-width:570px;color:var(--muted)}.story-card:nth-child(n+3) p{color:#cfe2ff}.story-badge{display:inline-flex;padding:7px 11px;border-radius:99px;background:rgba(11,116,255,.09);color:#0b74ff;font-size:12px;font-weight:900}.story-card:nth-child(n+3) .story-badge{background:rgba(255,255,255,.12);color:#7cecff}.compare-wrap{display:grid;grid-template-columns:1fr 1fr;gap:20px}.compare-card{background:#fff;border-radius:26px;padding:30px;border:1px solid #e8edf6}.compare-card.good{border-top:5px solid #23c891}.compare-card.bad{border-top:5px solid #ef5a62}.compare-card h3{display:flex;align-items:center;gap:10px;margin-top:0;font-size:23px}.compare-list{display:grid;gap:12px}.compare-row{display:flex;gap:10px;align-items:flex-start;padding:12px 0;border-bottom:1px solid #edf1f7}.compare-row:last-child{border-bottom:0}.badge-ok,.badge-no{flex:0 0 24px;width:24px;height:24px;border-radius:50%;display:grid;place-items:center;color:#fff;font-size:12px;font-weight:900}.badge-ok{background:#22c990}.badge-no{background:#ef5a62}.compare-row span{font-size:14px;color:#53617d}.process{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;position:relative}.process:before{content:"";position:absolute;height:3px;background:#e7eefb;left:9%;right:9%;top:43px}.step{position:relative;z-index:2;text-align:center}.step-no{margin:auto;width:86px;height:86px;border-radius:27px;background:#fff;border:1px solid #dfe9f8;box-shadow:0 12px 28px rgba(17,67,150,.08);display:grid;place-items:center;font-size:22px;font-weight:900;color:#0b74ff}.step h3{font-size:17px;margin:17px 0 6px}.step p{font-size:13px;color:var(--muted);margin:0}.brand-band{padding:38px 0;background:linear-gradient(135deg,#0b4fd8,#087ff5);color:#fff;position:relative;overflow:hidden}.brand-band:after{content:"HappyPay";font:900 140px Arial;position:absolute;right:-30px;top:-54px;color:rgba(255,255,255,.06)}.brand-band-inner{position:relative;z-index:2;display:flex;align-items:center;justify-content:space-between;gap:30px}.brand-band .badge-logo{width:80px;height:80px;background:#fff;border-radius:24px;padding:9px;box-shadow:0 15px 32px rgba(0,0,0,.15)}.brand-band .copy{flex:1}.brand-band h3{font-size:26px;margin:0}.brand-band p{margin:3px 0 0;color:#dbeaff}.faq-list{max-width:900px;margin:auto;display:grid;gap:12px}.faq-item{background:#fff;border:1px solid #e6edf8;border-radius:18px;overflow:hidden}.faq-q{width:100%;background:none;border:0;display:flex;justify-content:space-between;gap:20px;text-align:left;padding:21px 23px;font-weight:900;color:var(--text);cursor:pointer}.faq-q .plus{font-size:24px;color:var(--blue);transition:.2s}.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease}.faq-a-inner{padding:0 23px 22px;color:var(--muted);font-size:14px}.faq-item.open .faq-a{max-height:420px}.faq-item.open .plus{transform:rotate(45deg)}
.page-hero{padding:82px 0 58px;background:radial-gradient(circle at 80% 10%,rgba(67,208,255,.22),transparent 25%),linear-gradient(180deg,#f4f9ff,#fff);position:relative;overflow:hidden}.page-hero:after{content:"H";position:absolute;right:4%;bottom:-170px;font:900 330px Arial;color:#e8f3ff;transform:rotate(-7deg)}.page-hero .container{position:relative;z-index:2}.page-hero p{max-width:680px;color:var(--muted);font-size:17px}.breadcrumb{display:flex;gap:8px;align-items:center;font-size:12px;color:#8090ac;margin-bottom:14px}.breadcrumb a{color:#0b74ff;font-weight:800}.page-badge{display:inline-flex;align-items:center;gap:8px;background:#eaf5ff;color:#0b74ff;border-radius:999px;padding:8px 12px;font-size:12px;font-weight:900;margin-bottom:15px}.content-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:38px;align-items:start}.info-panel{background:#fff;border:1px solid #e5edf8;border-radius:28px;padding:32px;box-shadow:var(--shadow-sm)}.info-panel h2{font-size:27px;margin:0 0 14px}.info-panel p{color:var(--muted)}.aside-card{background:linear-gradient(145deg,#0c2a68,#0b70ef);color:#fff;border-radius:28px;padding:30px;position:sticky;top:118px;overflow:hidden}.aside-card:after{content:"H";position:absolute;right:-12px;bottom:-52px;font:900 160px Arial;color:rgba(255,255,255,.06)}.aside-card img{width:76px;background:#fff;border-radius:22px;padding:8px}.aside-card h3{font-size:25px;margin:20px 0 10px}.aside-card p{color:#d6e5ff;font-size:14px}.check-list{display:grid;gap:12px;margin-top:22px}.check-list div{display:flex;gap:10px;align-items:flex-start}.check-list i{font-style:normal;width:24px;height:24px;flex:0 0 24px;border-radius:50%;display:grid;place-items:center;background:#e7f7ff;color:#0b74ff;font-size:12px;font-weight:900}.check-list span{font-size:14px;color:#53617c}.legal-box{background:#fff8de;border:1px solid #f9e59b;border-radius:18px;padding:18px 20px;color:#684f0b;font-size:14px}.danger-box{background:#fff1f2;border:1px solid #ffd2d5;border-radius:18px;padding:18px 20px;color:#833840;font-size:14px}.notice-box{background:#edf7ff;border:1px solid #cce9ff;border-radius:18px;padding:18px 20px;color:#174a7b;font-size:14px}.legal-box strong,.danger-box strong,.notice-box strong{display:block;margin-bottom:4px}.detail-table{width:100%;border-collapse:separate;border-spacing:0;border:1px solid #e6edf7;border-radius:16px;overflow:hidden;margin-top:18px}.detail-table th,.detail-table td{padding:14px 16px;text-align:left;border-bottom:1px solid #edf1f6;font-size:14px}.detail-table th{background:#f7faff;width:31%;color:#475675}.detail-table tr:last-child th,.detail-table tr:last-child td{border-bottom:0}.timeline{display:grid;gap:17px}.timeline-item{display:grid;grid-template-columns:62px 1fr;gap:17px}.timeline-dot{width:54px;height:54px;border-radius:18px;background:#e8f5ff;display:grid;place-items:center;color:#0b74ff;font-weight:900}.timeline-body{padding:5px 0 23px;border-bottom:1px solid #eaf0f7}.timeline-body h3{margin:0 0 5px;font-size:18px}.timeline-body p{margin:0;color:var(--muted);font-size:14px}.guide-article{max-width:900px;margin:auto}.article-card{padding:34px;background:#fff;border:1px solid #e7edf7;border-radius:26px;margin-bottom:18px}.article-card h2{margin-top:0;font-size:26px}.article-card p,.article-card li{color:#5c6a84}.article-card li{margin:7px 0}.pill-row{display:flex;flex-wrap:wrap;gap:8px}.pill{background:#f0f6ff;color:#24538f;border-radius:999px;padding:8px 12px;font-size:12px;font-weight:800}.company-placeholder{background:#f7faff;border:1px dashed #bfd2ed;border-radius:20px;padding:26px;text-align:center;color:#5c6b85}.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:26px}.contact-card{background:#fff;border:1px solid #e6edf7;border-radius:28px;padding:30px;box-shadow:var(--shadow-sm)}.contact-card h2{margin-top:0}.channel{display:flex;align-items:center;gap:13px;padding:16px;border-radius:18px;background:#f7faff;margin:10px 0}.channel-icon{width:44px;height:44px;border-radius:14px;background:#e8f5ff;color:#0b74ff;display:grid;place-items:center;font-weight:900}.channel strong{display:block}.channel span{font-size:12px;color:#7c8aa4}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}.field{display:grid;gap:7px}.field.full{grid-column:1/-1}.field label{font-size:13px;font-weight:800;color:#475775}.field input,.field textarea,.field select{width:100%;border:1px solid #dce6f4;border-radius:14px;padding:13px 14px;outline:none;background:#fff}.field input:focus,.field textarea:focus,.field select:focus{border-color:#67afff;box-shadow:0 0 0 4px rgba(11,116,255,.08)}.field textarea{min-height:120px;resize:vertical}.form-note{font-size:12px;color:#8090a8}.disabled-submit{opacity:.65;cursor:not-allowed}
.pre-footer-cta{padding:80px 0 0}.cta-panel{background:radial-gradient(circle at 85% 20%,rgba(80,218,255,.3),transparent 25%),linear-gradient(135deg,#06183f,#0a4fc8);border-radius:34px;color:#fff;padding:42px 50px;display:grid;grid-template-columns:auto 1fr auto;gap:26px;align-items:center;box-shadow:0 30px 70px rgba(8,54,132,.18)}.cta-brand-mark img{width:88px;background:#fff;border-radius:26px}.cta-panel h2{font-size:32px;line-height:1.2;margin:4px 0 9px}.cta-panel p{color:#cfe0ff;margin:0}.site-footer{background:#061333;color:#c1cdea;padding:70px 0 104px;margin-top:0}.footer-grid{display:grid;grid-template-columns:1fr 1.3fr;gap:60px}.footer-brand>img{filter:brightness(0) invert(1);opacity:.92}.footer-brand p{color:#8595b9}.brand-seal{display:inline-flex;align-items:center;gap:10px;margin-top:12px;padding:10px 13px;border:1px solid rgba(255,255,255,.12);border-radius:16px}.brand-seal img{width:34px}.brand-seal span{font-size:10px;line-height:1.35}.brand-seal strong{color:#6be9ff}.footer-links{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.footer-links div{display:grid;align-content:start;gap:8px}.footer-links strong{color:#fff;margin-bottom:5px}.footer-links a{font-size:13px;color:#8999bb}.footer-links a:hover{color:#fff}.footer-bottom{margin-top:40px;padding-top:22px;border-top:1px solid rgba(255,255,255,.09);display:flex;justify-content:space-between;gap:20px;font-size:11px;color:#7788ad}.footer-bottom>div{display:flex;flex-wrap:wrap;gap:12px}.mobile-bottom-bar{display:none}.to-top{position:fixed;right:22px;bottom:22px;width:44px;height:44px;border:0;border-radius:14px;background:#0b74ff;color:#fff;box-shadow:0 12px 25px rgba(11,116,255,.27);opacity:0;pointer-events:none;transition:.2s;z-index:60}.to-top.show{opacity:1;pointer-events:auto}.reveal{opacity:0;transform:translateY(20px);transition:opacity .7s ease,transform .7s ease}.reveal.visible{opacity:1;transform:none}.reveal-delay-1{transition-delay:.08s}.reveal-delay-2{transition-delay:.16s}.reveal-delay-3{transition-delay:.24s}
@media(max-width:1040px){.desktop-nav{gap:17px}.desktop-nav a{font-size:12px}.nav-shell{gap:14px}.nav-actions .btn-ghost{display:none}.hero-grid{grid-template-columns:1fr .9fr}.phone{right:10px}.buddy{left:-30px}.cards-4{grid-template-columns:repeat(2,1fr)}.process{grid-template-columns:repeat(3,1fr)}.process:before{display:none}.service-grid{grid-template-columns:1fr 1fr}}
@media(max-width:980px){:root{--container:min(100% - 28px,720px)}body{padding-bottom:72px}.desktop-nav,.desktop-only{display:none!important}.menu-toggle{display:block}.site-header{top:0}.nav-shell{height:68px}.brand img{width:145px}.mobile-menu{position:absolute;top:68px;left:0;right:0;background:rgba(255,255,255,.98);border-bottom:1px solid #e8edf6;box-shadow:0 18px 40px rgba(16,48,106,.12);transform:translateY(-10px);opacity:0;pointer-events:none;transition:.2s}.mobile-menu.open{display:block;transform:none;opacity:1;pointer-events:auto}.mobile-menu-inner{width:var(--container);margin:auto;padding:13px 0 20px;display:grid}.mobile-menu a{padding:13px 5px;font-weight:800;border-bottom:1px solid #eef2f7}.mobile-menu-note{margin-top:12px;background:#eef7ff;border-radius:14px;padding:12px;color:#55708f;font-size:12px}.announcement{font-size:11px}.announcement-inner{justify-content:flex-start;min-height:42px;overflow:auto;white-space:nowrap}.announcement a{display:none}.hero{padding:58px 0 58px}.hero-grid{grid-template-columns:1fr}.hero h1{font-size:47px}.hero-copy{font-size:16px}.hero-visual{min-height:440px}.phone{width:246px;height:452px;right:6%;top:14px}.buddy{width:220px;left:0;bottom:-18px}.fc1{left:1%;top:28px}.fc2{right:0;bottom:30px}.floating-card{min-width:150px;padding:11px 13px}.floating-card strong{font-size:12px}.trust-strip{margin-top:-24px}.trust-panel{grid-template-columns:1fr 1fr;padding:11px}.trust-item{border-right:0;border-bottom:1px solid #eef2f8;padding:11px}.trust-item:nth-last-child(-n+2){border-bottom:0}.trust-icon{width:42px;height:42px}.section{padding:75px 0}.cards-4,.service-grid,.compare-wrap,.content-grid,.contact-grid{grid-template-columns:1fr}.process{grid-template-columns:1fr 1fr}.story-card{position:relative!important;top:auto!important;grid-template-columns:1fr;min-height:0;padding:31px 27px}.story-card .story-no{font-size:50px}.brand-band-inner{flex-wrap:wrap}.brand-band .copy{min-width:calc(100% - 120px)}.page-hero{padding:58px 0 44px}.aside-card{position:relative;top:auto}.cta-panel{grid-template-columns:auto 1fr;padding:32px}.cta-panel .btn{grid-column:1/-1}.footer-grid{grid-template-columns:1fr}.footer-links{grid-template-columns:repeat(3,1fr)}.mobile-bottom-bar{position:fixed;z-index:88;display:grid;grid-template-columns:1fr 1fr 1.18fr;left:10px;right:10px;bottom:max(10px,env(safe-area-inset-bottom));height:62px;background:rgba(255,255,255,.96);backdrop-filter:blur(15px);border:1px solid #dfe8f5;border-radius:20px;box-shadow:0 14px 38px rgba(10,42,95,.18);padding:5px}.mobile-bottom-bar a{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:1px;font-size:10px;font-weight:800;color:#6c7d99}.mobile-bottom-bar .m-icon{font-size:16px;color:#0b74ff}.mobile-bottom-bar .primary{background:#0b74ff;color:#fff;border-radius:15px}.mobile-bottom-bar .primary .m-icon{color:#ffd84a}.to-top{display:none}.site-footer{padding-bottom:95px}.footer-bottom{flex-direction:column}.pre-footer-cta{padding-top:55px}}
@media(max-width:520px){:root{--container:calc(100% - 24px)}.hero{padding-top:43px}.hero h1{font-size:40px}.hero-badge{font-size:11px}.hero-actions .btn{width:100%}.hero-visual{min-height:390px;margin-top:6px}.phone{width:215px;height:394px;right:0;border-width:6px;border-radius:38px;padding:9px}.phone-top{height:72px}.phone-content{padding:12px}.phone-title{font-size:17px}.phone-step{padding:8px;margin:6px 0}.phone-step .check{width:23px;height:23px}.phone-step strong{font-size:11px}.phone-step small{font-size:8px}.phone-cta{padding:9px}.buddy{width:192px;left:-28px}.fc1{left:-4px;top:12px}.fc2{display:none}.trust-panel{grid-template-columns:1fr 1fr}.trust-item{display:block;text-align:center}.trust-icon{margin:auto auto 5px}.trust-item strong{font-size:14px}.trust-item span{font-size:10px}.section-head{text-align:left}.section-head h2,.page-hero h1{font-size:33px}.section-head p,.page-hero p{font-size:15px}.cards-4{grid-template-columns:1fr}.process{grid-template-columns:1fr}.step{display:grid;grid-template-columns:64px 1fr;text-align:left;gap:15px;align-items:center}.step-no{width:60px;height:60px;border-radius:18px}.step h3{margin:0 0 3px}.story-card h3{font-size:26px}.brand-band-inner{align-items:flex-start}.brand-band .badge-logo{width:60px;height:60px}.brand-band .copy{min-width:calc(100% - 85px)}.brand-band h3{font-size:21px}.footer-links{grid-template-columns:1fr 1fr}.footer-links div:last-child{grid-column:1/-1}.cta-panel{grid-template-columns:1fr;padding:28px}.cta-brand-mark{display:none}.cta-panel h2{font-size:27px}.form-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.info-panel,.contact-card{padding:23px}.detail-table th,.detail-table td{padding:11px;font-size:12px}.detail-table th{width:39%}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;animation:none!important;transition:none!important}.reveal{opacity:1;transform:none}}

/* ===== HappyPay v1.1 visual patch ===== */
.btn-kakao{background:#FEE500;color:#171717;border:1px solid #f0d900;box-shadow:0 12px 28px rgba(254,229,0,.22)}
.btn-kakao:hover{background:#ffeb22;box-shadow:0 16px 34px rgba(216,189,0,.25)}
.kakao-dot{font-size:13px;color:#171717;line-height:1}
.mobile-kakao-link{color:#111!important;background:#FEE500;border-radius:14px;margin-top:10px;padding-left:14px!important;border-bottom:0!important}

.hero.hero-v2{padding:72px 0 86px;color:var(--text);background:radial-gradient(circle at 76% 22%,rgba(11,116,255,.12),transparent 28%),radial-gradient(circle at 8% 25%,rgba(89,216,255,.11),transparent 23%),linear-gradient(180deg,#fff 0%,#f7fbff 100%)}
.hero.hero-v2:before{content:"";width:520px;height:520px;border:1px solid rgba(11,116,255,.08);border-radius:50%;right:-160px;bottom:-240px;position:absolute;transform:none}
.hero-grid-v2{grid-template-columns:.94fr 1.06fr;gap:44px;align-items:center}
.hero-v2 .hero-kicker{color:#0b64ed;font-size:14px;font-weight:900;letter-spacing:-.01em;margin-bottom:13px;display:flex;align-items:center;gap:8px}
.hero-v2 .hero-kicker:before{content:"";width:26px;height:3px;border-radius:10px;background:#0b74ff}
.hero-v2 h1{font-size:clamp(46px,5vw,70px);color:#0a1736;line-height:1.08;margin-bottom:20px}
.hero-v2 h1 em{color:#0b63e8}
.hero-v2 .hero-copy{color:#5f6f8b;font-size:18px;max-width:610px;margin-bottom:25px}
.hero-highlights{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:0 0 28px}
.hero-highlight{display:flex;align-items:center;gap:11px;background:#fff;border:1px solid #e3ebf6;border-radius:16px;padding:12px 14px;box-shadow:0 8px 24px rgba(31,78,216,.055)}
.hero-highlight .hi-icon{width:38px;height:38px;flex:0 0 38px;border-radius:12px;display:grid;place-items:center;background:#edf5ff;color:#0b66ef;font-size:15px;font-weight:950}
.hero-highlight strong{display:block;color:#142344;font-size:14px;letter-spacing:-.02em}
.hero-highlight small{display:block;color:#8794ab;font-size:11px;margin-top:1px}
.hero-v2 .hero-actions{margin-top:4px}
.hero-v2 .hero-note-v2{font-size:11px;color:#8a96ab;margin:14px 0 0;line-height:1.55}
.hero-photo-wrap{position:relative;min-height:510px;display:flex;align-items:center;justify-content:center}
.hero-photo-card{position:relative;width:min(100%,610px);border-radius:34px;overflow:hidden;background:#eef6ff;box-shadow:0 30px 70px rgba(22,71,144,.15);border:1px solid #e2ebf7}
.hero-photo-card:after{content:"";position:absolute;inset:0;box-shadow:inset 0 0 0 1px rgba(255,255,255,.7);border-radius:34px;pointer-events:none}
.hero-photo-card img{width:100%;height:500px;object-fit:cover;object-position:center 25%;transform:scale(1.015)}
.hero-float{position:absolute;display:flex;align-items:center;gap:11px;background:rgba(255,255,255,.96);border:1px solid #e5edf7;border-radius:17px;padding:12px 14px;box-shadow:0 18px 44px rgba(18,61,127,.16);z-index:4;min-width:218px;backdrop-filter:blur(10px)}
.hero-float>span{width:34px;height:34px;flex:0 0 34px;border-radius:11px;display:grid;place-items:center;background:#eaf4ff;color:#0b6ef3;font-weight:900}
.hero-float strong{display:block;font-size:13px}.hero-float small{display:block;font-size:10px;color:#8190a9}
.hero-float-top{left:-28px;top:42px}.hero-float-bottom{right:-15px;bottom:38px}.hero-float-bottom>span{background:#FEE500;color:#171717}
.trust-strip-v2{margin-top:-42px}.trust-strip-v2 .trust-panel{position:relative;z-index:6}
.section-tight-top{padding-top:86px}
.cards-premium .feature-card{min-height:228px}.cards-premium .feature-icon{font-weight:900}
.brand-band-kakao{background:linear-gradient(135deg,#07245c,#0b62df)}
.brand-band-kakao .btn-kakao{color:#171717}
.process-v2 .step-no{background:linear-gradient(145deg,#fff,#eef6ff)}

.review-section{overflow:hidden}
.review-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.review-card{background:#fff;border:1px solid #e4ebf5;border-radius:24px;padding:28px;box-shadow:0 12px 34px rgba(21,65,134,.07);position:relative;min-height:242px}
.review-quote{position:absolute;right:22px;top:9px;font:900 72px/1 Georgia,serif;color:#edf4ff}
.review-stars{color:#ffb300;letter-spacing:2px;font-size:14px;margin-bottom:16px}
.review-card h3{font-size:19px;margin:0 0 10px;position:relative}.review-card p{font-size:14px;color:#6f7f9c;margin:0;position:relative}.review-meta{margin-top:22px;border-top:1px solid #edf1f7;padding-top:14px;color:#8795aa;font-size:12px;font-weight:800}

.live-stats-section{padding:96px 0;background:radial-gradient(circle at 12% 12%,rgba(76,218,255,.13),transparent 23%),linear-gradient(135deg,#06193f,#0b4fc5);color:#fff;position:relative;overflow:hidden}
.live-stats-section:after{content:"H";position:absolute;right:-70px;bottom:-250px;font:900 520px Arial;color:rgba(255,255,255,.035);transform:rotate(-8deg)}
.live-stats-section .section-head{position:relative;z-index:2}.live-stats-section .section-head h2{color:#fff}.live-stats-section .section-head p{color:#c9d9f5}
.live-stats-grid{position:relative;z-index:2;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.live-stat{background:rgba(255,255,255,.085);border:1px solid rgba(255,255,255,.14);border-radius:26px;padding:30px;text-align:center;backdrop-filter:blur(10px)}
.live-stat-label{display:block;color:#cfddf5;font-size:14px;font-weight:800;margin-bottom:8px}
.live-stat strong{display:flex;justify-content:center;align-items:flex-end;gap:6px;font-size:clamp(48px,5vw,72px);letter-spacing:-.05em;line-height:1;color:#fff}
.live-stat strong b{font-size:.44em;color:#7ce8ff;padding-bottom:8px}.live-stat small{display:block;color:#8fa9d0;font-size:11px;margin-top:11px}
.stats-kakao{position:relative;z-index:2;margin-top:22px;border-radius:24px;background:#fff;color:#122244;padding:22px 24px;display:flex;justify-content:space-between;align-items:center;gap:24px;box-shadow:0 22px 50px rgba(0,0,0,.13)}
.stats-kakao strong{display:block;font-size:20px}.stats-kakao span{display:block;color:#71809a;font-size:13px;margin-top:3px}

.contact-photo-card>img{width:100%;height:240px;object-fit:cover;object-position:center 24%;border-radius:20px;margin-bottom:22px}
.kakao-channel{background:#fffbea;border:1px solid #f5df6b;padding:18px}.kakao-channel:hover{background:#fff7c7}.kakao-channel .kakao-icon{background:#FEE500;color:#171717}.kakao-channel>b{margin-left:auto;color:#171717;font-size:22px}
.aside-photo{padding-top:18px}.aside-photo>img{width:calc(100% + 24px);max-width:none;height:250px;object-fit:cover;object-position:center 23%;margin:-6px -12px 20px;border-radius:22px;background:transparent;padding:0}

@media(max-width:1040px){
  .hero-grid-v2{grid-template-columns:1fr 1fr;gap:28px}.hero-photo-wrap{min-height:460px}.hero-photo-card img{height:445px}.hero-float-top{left:-8px}.hero-float-bottom{right:-5px}.review-grid{grid-template-columns:1fr 1fr}.review-card:last-child{grid-column:1/-1}
}
@media(max-width:980px){
  .hero.hero-v2{padding:52px 0 68px}.hero-grid-v2{grid-template-columns:1fr}.hero-v2 h1{font-size:50px}.hero-highlights{grid-template-columns:1fr 1fr}.hero-photo-wrap{min-height:0;margin-top:18px}.hero-photo-card{width:100%}.hero-photo-card img{height:auto;aspect-ratio:1.35/1}.hero-float-top{left:12px;top:18px}.hero-float-bottom{right:12px;bottom:18px}.trust-strip-v2{margin-top:-30px}.review-grid{grid-template-columns:1fr}.review-card:last-child{grid-column:auto}.live-stats-grid{grid-template-columns:1fr 1fr}.live-stat:last-child{grid-column:1/-1}.stats-kakao{align-items:flex-start;flex-direction:column}.stats-kakao .btn{width:100%}
  .mobile-bottom-bar{grid-template-columns:.82fr .82fr 1.55fr}.mobile-bottom-bar .primary span:last-child{font-size:9px}
}
@media(max-width:520px){
  .hero.hero-v2{padding-top:36px}.hero-v2 h1{font-size:42px}.hero-v2 .hero-copy{font-size:15px}.hero-highlights{grid-template-columns:1fr;gap:8px}.hero-highlight{padding:10px 12px}.hero-highlight .hi-icon{width:34px;height:34px;flex-basis:34px}.hero-v2 .hero-actions .btn{width:100%}.hero-photo-card{border-radius:24px}.hero-photo-card img{aspect-ratio:1.06/1;object-position:center 20%}.hero-float{min-width:0;padding:9px 10px;border-radius:14px}.hero-float-top{left:8px;top:10px}.hero-float-bottom{right:8px;bottom:10px}.hero-float>span{width:29px;height:29px;flex-basis:29px}.hero-float strong{font-size:11px}.hero-float small{font-size:8px}.trust-strip-v2{margin-top:-20px}.section-tight-top{padding-top:65px}.live-stats-grid{grid-template-columns:1fr}.live-stat:last-child{grid-column:auto}.live-stat{padding:24px}.live-stat strong{font-size:56px}.stats-kakao{padding:20px}.stats-kakao strong{font-size:18px}.review-card{min-height:0}.contact-photo-card>img{height:190px}.aside-photo>img{height:210px}
}


/* ===== HappyPay v1.2 FAQ + transparent model patch ===== */
.hero-photo-card{width:min(100%,640px);border-radius:0;overflow:visible;background:transparent;box-shadow:none;border:0}
.hero-photo-card:after{display:none}
.hero-photo-card img{width:100%;height:auto;object-fit:contain;object-position:center center;transform:none;filter:drop-shadow(0 32px 48px rgba(17,67,150,.15))}
.hero-photo-wrap:before{content:"";position:absolute;inset:9% 11% 6% 11%;background:radial-gradient(circle at 50% 36%,rgba(255,255,255,.94),rgba(231,242,255,.82) 48%,rgba(216,231,255,.36) 72%,transparent 74%);border-radius:44px;z-index:0}
.hero-photo-wrap>*{position:relative;z-index:1}
.hero-float{z-index:3}

.page-hero-split{padding:76px 0 42px}
.page-hero-grid{display:grid;grid-template-columns:.94fr 1.06fr;gap:24px;align-items:center}
.page-hero-copy{position:relative;z-index:2}
.page-hero-visual{position:relative;min-height:380px;display:flex;align-items:flex-end;justify-content:center}
.page-hero-glow{position:absolute;inset:4% 8% 3% 8%;background:radial-gradient(circle at 50% 38%,rgba(255,255,255,.98),rgba(232,241,255,.88) 46%,rgba(202,226,255,.32) 72%,transparent 74%);border-radius:42px}
.page-hero-visual img{position:relative;z-index:2;max-width:min(100%,470px);max-height:420px;width:auto;height:auto;object-fit:contain;filter:drop-shadow(0 24px 38px rgba(13,55,125,.16))}
.aside-photo{overflow:hidden}
.aside-photo>img.transparent-model,.contact-photo-card>img.transparent-model{width:100%;height:auto;max-height:300px;object-fit:contain;object-position:center bottom;margin:0 0 14px;border-radius:0;background:transparent;padding:0;filter:drop-shadow(0 20px 32px rgba(11,63,142,.18))}
.contact-photo-card{overflow:hidden;background:linear-gradient(180deg,#f7fbff,#ffffff)}
.contact-photo-card:before,.aside-photo:before{content:"";display:block;height:0}

@media(max-width:1040px){
  .page-hero-grid{grid-template-columns:1fr 1fr;gap:18px}
  .page-hero-visual{min-height:330px}
  .page-hero-visual img{max-width:100%;max-height:360px}
}
@media(max-width:980px){
  .page-hero-grid{grid-template-columns:1fr}
  .page-hero-visual{min-height:0;margin-top:6px}
  .page-hero-glow{inset:6% 4% 2% 4%}
  .page-hero-visual img{max-height:340px}
}
@media(max-width:520px){
  .page-hero-split{padding-top:40px}
  .page-hero-visual img{max-height:290px}
  .page-hero-glow{border-radius:28px}
}

/* ===== HappyPay v1.3 richer subpages + large hero model ===== */
.hero-grid-v2{grid-template-columns:.82fr 1.18fr;gap:22px}
.hero-photo-wrap{min-height:620px;margin-right:-92px;justify-content:flex-end}
.hero-photo-card{width:min(100%,760px);transform:scale(1.08);transform-origin:right center}
.hero-photo-card img{max-height:660px;width:100%;object-fit:contain;object-position:center bottom}
.hero-photo-wrap:before{inset:7% 2% 4% 9%;border-radius:48% 52% 46% 54%/42% 45% 55% 58%;background:radial-gradient(circle at 52% 40%,rgba(255,255,255,.98),rgba(225,239,255,.78) 50%,rgba(212,230,255,.25) 74%,transparent 76%)}
.hero-float-top{left:3%;top:58px}.hero-float-bottom{right:7%;bottom:58px}

.rich-hero{padding-bottom:28px}
.rich-hero .page-hero-grid{grid-template-columns:.95fr 1.05fr;min-height:430px}
.rich-hero .page-hero-copy h1 em{font-style:normal;color:#0b63e8}
.rich-hero .page-hero-copy p{max-width:620px}
.rich-hero .page-hero-visual{min-height:430px;justify-content:flex-end;overflow:visible}
.rich-hero .page-hero-visual img{max-width:560px;max-height:430px;filter:drop-shadow(0 28px 44px rgba(13,55,125,.16));object-fit:contain}
.rich-hero .page-hero-glow{inset:5% 0 0 12%;background:radial-gradient(circle at 56% 44%,rgba(255,255,255,.98),rgba(224,240,255,.78) 46%,rgba(190,222,255,.23) 73%,transparent 76%);border-radius:44% 56% 50% 50%/44% 42% 58% 56%}
.hero-mini-pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:22px}
.hero-mini-pills span{display:inline-flex;align-items:center;min-height:36px;padding:8px 13px;border-radius:999px;background:#fff;border:1px solid #dce8f8;color:#36547f;font-size:12px;font-weight:900;box-shadow:0 7px 20px rgba(24,71,141,.06)}

.quick-facts{position:relative;z-index:4;margin-top:-14px;padding:0 0 16px}
.quick-facts-grid{display:grid;grid-template-columns:repeat(4,1fr);background:#fff;border:1px solid #e0e9f5;border-radius:24px;box-shadow:0 18px 45px rgba(15,60,131,.10);overflow:hidden}
.quick-facts-grid>div{padding:22px 25px;border-right:1px solid #edf1f7;display:flex;flex-direction:column;gap:4px}
.quick-facts-grid>div:last-child{border-right:0}
.quick-facts-grid b{font-size:25px;line-height:1;color:#0b63e8;letter-spacing:-.03em}.quick-facts-grid span{font-size:12px;color:#71809a;font-weight:800}

.premium-grid{display:grid;gap:18px}.premium-grid.three{grid-template-columns:repeat(3,1fr)}.premium-grid.four{grid-template-columns:repeat(4,1fr)}
.premium-card{position:relative;overflow:hidden;background:#fff;border:1px solid #e2eaf5;border-radius:26px;padding:29px;box-shadow:0 10px 34px rgba(19,63,132,.07);transition:.25s}
.premium-card:hover{transform:translateY(-6px);box-shadow:0 20px 50px rgba(19,63,132,.13)}
.premium-card:after{content:"";position:absolute;width:150px;height:150px;border-radius:50%;right:-72px;bottom:-80px;background:radial-gradient(circle,#d8edff,transparent 68%)}
.premium-card h3{font-size:21px;margin:16px 0 9px}.premium-card p{margin:0;color:#657591;font-size:14px;position:relative;z-index:2}.premium-no{position:absolute;right:20px;top:16px;color:#d9e9ff;font-size:44px;font-weight:950;letter-spacing:-.05em}.premium-icon{width:58px;height:58px;border-radius:18px;background:linear-gradient(145deg,#e7f4ff,#edf1ff);display:grid;place-items:center;color:#0b67ee;font-size:25px;font-weight:950}.premium-tag{display:inline-flex;margin-top:18px;background:#eff6ff;color:#0a65e8;border-radius:999px;padding:8px 12px;font-size:12px;position:relative;z-index:2}

.split-feature{display:grid;grid-template-columns:1.02fr .98fr;gap:60px;align-items:center}.split-feature.reverse{grid-template-columns:.98fr 1.02fr}.split-feature.reverse .visual-panel{order:1}.split-feature.reverse .split-copy{order:2}
.split-copy h2{font-size:clamp(32px,3.5vw,48px);letter-spacing:-.04em;margin:0 0 15px;line-height:1.15}.split-copy>p:not(.eyebrow){color:#677791;font-size:16px;margin:0 0 24px}
.icon-list{list-style:none;padding:0;margin:22px 0 28px;display:grid;gap:12px}.icon-list li{display:flex;gap:13px;align-items:flex-start;padding:13px 0;border-bottom:1px solid #e7edf6}.icon-list b{width:31px;height:31px;flex:0 0 31px;display:grid;place-items:center;border-radius:10px;background:#eaf5ff;color:#0b68ef}.icon-list strong{display:block;color:#172847;font-size:15px}.icon-list small{display:block;color:#7d8ba3;margin-top:3px;font-size:12px}
.visual-panel{position:relative;min-height:470px;display:flex;align-items:flex-end;justify-content:center;border-radius:34px;overflow:hidden;background:radial-gradient(circle at 50% 35%,#fff 0,#edf7ff 54%,#e6f1ff 100%);border:1px solid #e1eaf5;box-shadow:0 22px 55px rgba(17,66,139,.10)}
.visual-panel img{position:relative;z-index:2;max-width:94%;max-height:440px;object-fit:contain;filter:drop-shadow(0 24px 35px rgba(14,57,127,.16))}.visual-ring{position:absolute;width:330px;height:330px;border:1px solid rgba(11,104,239,.14);border-radius:50%;top:10%;right:5%;box-shadow:0 0 0 35px rgba(11,104,239,.03),0 0 0 70px rgba(11,104,239,.018)}
.visual-chip{position:absolute;z-index:4;background:rgba(255,255,255,.95);border:1px solid #e0e9f6;box-shadow:0 16px 35px rgba(12,56,126,.14);border-radius:16px;padding:11px 14px;min-width:145px;backdrop-filter:blur(12px)}.visual-chip b{display:block;color:#0e2a5c;font-size:15px}.visual-chip span{display:block;color:#7c8ba3;font-size:10px;margin-top:2px}.chip-a{left:16px;top:22px}.chip-b{right:16px;bottom:24px}

.flow-line{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;position:relative}.flow-line:before{content:"";position:absolute;left:8%;right:8%;height:2px;top:39px;background:linear-gradient(90deg,#a8d5ff,#0b6cff,#a8d5ff)}
.flow-card{position:relative;z-index:2;background:#fff;border:1px solid #e1eaf5;border-radius:24px;padding:23px;box-shadow:0 10px 32px rgba(17,64,130,.06)}.flow-card>b{width:54px;height:54px;display:grid;place-items:center;border-radius:17px;background:#0b68ef;color:#fff;font-size:16px;box-shadow:0 10px 25px rgba(11,104,239,.25)}.flow-card h3{margin:17px 0 7px;font-size:18px}.flow-card p{margin:0;color:#6d7d97;font-size:13px}

.rich-cta{padding:62px 0}.rich-cta-inner{position:relative;z-index:2;display:flex;align-items:center;justify-content:space-between;gap:40px}.rich-cta h2{font-size:34px;margin:4px 0 8px}.rich-cta p:not(.eyebrow){margin:0;color:#cbdcf7}

.timeline-rich{display:grid;gap:14px;max-width:940px;margin:auto}.timeline-rich-item{display:grid;grid-template-columns:76px 1fr;gap:20px;align-items:center;background:#fff;border:1px solid #e1eaf5;border-radius:24px;padding:21px 24px;box-shadow:0 8px 26px rgba(16,61,127,.055)}.timeline-rich-item>b{width:60px;height:60px;border-radius:19px;background:linear-gradient(145deg,#e4f3ff,#edf2ff);display:grid;place-items:center;color:#0b68ef;font-size:20px}.timeline-rich-item h3{margin:0 0 5px;font-size:19px}.timeline-rich-item p{margin:0;color:#697993;font-size:14px}.timeline-rich-item span{display:inline-flex;margin-top:8px;font-size:11px;font-weight:800;color:#0a67ed;background:#eef6ff;border-radius:999px;padding:6px 10px}

.mini-check-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:22px 0}.mini-check-grid>div{display:grid;grid-template-columns:38px 1fr;column-gap:10px;align-items:center;background:#fff;border:1px solid #e3ebf6;border-radius:17px;padding:13px 14px}.mini-check-grid b{grid-row:1/3;width:34px;height:34px;border-radius:11px;background:#eaf5ff;color:#0b68ef;display:grid;place-items:center}.mini-check-grid strong{font-size:13px;color:#1d2c49}.mini-check-grid span{font-size:10px;color:#8390a5;margin-top:1px}

.cost-formula{display:flex;align-items:stretch;gap:10px;margin:26px 0}.cost-formula>div{flex:1;background:#fff;border:1px solid #dfe8f4;border-radius:20px;padding:19px}.cost-formula>div.accent{background:linear-gradient(145deg,#0c66e9,#0b4fc8);border-color:transparent;color:#fff}.cost-formula span{display:block;font-size:11px;font-weight:900;color:#6b7d99;margin-bottom:6px}.cost-formula .accent span{color:#cfe2ff}.cost-formula b{font-size:14px}.cost-formula>i{font-style:normal;display:flex;align-items:center;color:#8ca0ba;font-weight:900;font-size:20px}.muted-copy{color:#6c7c96!important;font-size:13px!important}
.limit-table{background:#fff;border:1px solid #e0e9f5;border-radius:24px;overflow:hidden;box-shadow:0 12px 36px rgba(17,63,130,.06);margin-bottom:18px}.limit-row{display:grid;grid-template-columns:1.1fr .9fr 1.2fr;padding:18px 22px;border-bottom:1px solid #edf1f6;gap:20px;align-items:center;font-size:13px}.limit-row:last-child{border-bottom:0}.limit-row.head{background:#0b5ed7;color:#fff;font-size:12px;font-weight:900}.limit-row b{color:#12305b}.wide-notice{max-width:none}

.faq-summary{padding:0 0 20px;margin-top:-8px;position:relative;z-index:4}.faq-summary-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0;background:linear-gradient(135deg,#082659,#0b5bda);border-radius:25px;overflow:hidden;box-shadow:0 18px 44px rgba(12,54,120,.16)}.faq-summary-grid>div{padding:25px 28px;border-right:1px solid rgba(255,255,255,.14)}.faq-summary-grid>div:last-child{border-right:0}.faq-summary span,.faq-summary small{display:block;color:#b9cdf0;font-size:11px}.faq-summary b{display:block;color:#fff;font-size:27px;margin:5px 0}.rich-faq{max-width:980px}.rich-faq .faq-item{border-radius:21px;box-shadow:0 7px 22px rgba(20,61,122,.045)}.rich-faq .faq-q{padding:23px 25px}.rich-faq .faq-q span:first-child{display:flex;gap:12px;align-items:center}.rich-faq .faq-q span:first-child b{width:31px;height:31px;border-radius:10px;display:grid;place-items:center;background:#eaf5ff;color:#0b68ef;font-size:11px}

.guide-topic-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.guide-topic{background:#fff;border:1px solid #e1eaf5;border-radius:26px;padding:30px;position:relative;overflow:hidden;box-shadow:0 9px 30px rgba(17,63,129,.06)}.guide-topic>span{display:inline-flex;background:#0b66e8;color:#fff;border-radius:999px;padding:7px 10px;font-size:11px;font-weight:900}.guide-topic h3{font-size:22px;margin:18px 0 9px}.guide-topic p{margin:0;color:#687893;font-size:14px}.guide-topic:after{content:"H";position:absolute;right:-8px;bottom:-45px;font:900 120px Arial;color:#eef6ff}
.glossary-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.glossary-card{background:#fff;border:1px solid #e1eaf5;border-radius:20px;padding:22px}.glossary-card b{display:block;color:#0b60da;font-size:16px;margin-bottom:6px}.glossary-card p{margin:0;color:#6e7d96;font-size:13px}

.contact-model-strip{display:flex;align-items:center;gap:18px;margin-top:25px;background:linear-gradient(135deg,#edf7ff,#f8fbff);border-radius:20px;padding:12px 16px;overflow:hidden}.contact-model-strip img{width:110px;height:115px;object-fit:contain;object-position:center bottom;filter:drop-shadow(0 10px 18px rgba(14,61,132,.15))}.contact-model-strip b,.contact-model-strip span{display:block}.contact-model-strip b{font-size:15px}.contact-model-strip span{font-size:11px;color:#7d8ba2;margin-top:3px}.big-channel{padding:19px}.ask-examples{margin-top:24px;background:#f7faff;border:1px solid #e5edf7;border-radius:18px;padding:18px}.ask-examples h3{margin:0 0 10px;font-size:16px}.ask-examples p{margin:6px 0;color:#657591;font-size:12px;padding-left:12px;position:relative}.ask-examples p:before{content:"•";position:absolute;left:0;color:#0b68ef}

@media(max-width:1100px){
  .hero-photo-wrap{margin-right:-34px;min-height:570px}.hero-photo-card{transform:scale(1)}.rich-hero .page-hero-visual img{max-width:500px}.premium-grid.four{grid-template-columns:1fr 1fr}
}
@media(max-width:980px){
  .hero-grid-v2{grid-template-columns:1fr}.hero-photo-wrap{margin-right:0;min-height:0;justify-content:center}.hero-photo-card{width:min(100%,650px)}.hero-photo-card img{max-height:570px}.hero-photo-wrap:before{inset:7% 6% 3%}
  .rich-hero .page-hero-grid{grid-template-columns:1fr}.rich-hero .page-hero-visual{min-height:360px;justify-content:center;margin-top:0}.rich-hero .page-hero-visual img{max-height:360px;max-width:520px}.quick-facts-grid{grid-template-columns:1fr 1fr}.quick-facts-grid>div:nth-child(2){border-right:0}.quick-facts-grid>div:nth-child(-n+2){border-bottom:1px solid #edf1f7}.premium-grid.three{grid-template-columns:1fr 1fr}.premium-grid.three .premium-card:last-child{grid-column:1/-1}.split-feature,.split-feature.reverse{grid-template-columns:1fr;gap:28px}.split-feature.reverse .visual-panel,.split-feature.reverse .split-copy{order:initial}.visual-panel{min-height:410px}.flow-line{grid-template-columns:1fr 1fr}.flow-line:before{display:none}.rich-cta-inner{align-items:flex-start;flex-direction:column}.rich-cta .btn{width:100%}.guide-topic-grid{grid-template-columns:1fr}.glossary-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:620px){
  .hero-photo-card{width:100%}.hero-photo-card img{max-height:480px}.hero-float-top{left:0}.hero-float-bottom{right:0}.rich-hero .page-hero-visual{min-height:310px}.rich-hero .page-hero-visual img{max-height:315px}.hero-mini-pills{gap:6px}.hero-mini-pills span{font-size:10px;min-height:32px;padding:7px 10px}.quick-facts-grid{grid-template-columns:1fr 1fr}.quick-facts-grid>div{padding:17px 15px}.quick-facts-grid b{font-size:21px}.premium-grid.three,.premium-grid.four{grid-template-columns:1fr}.premium-grid.three .premium-card:last-child{grid-column:auto}.visual-panel{min-height:350px}.visual-panel img{max-height:330px}.visual-chip{min-width:120px;padding:9px 10px}.flow-line{grid-template-columns:1fr}.timeline-rich-item{grid-template-columns:58px 1fr;padding:17px}.timeline-rich-item>b{width:48px;height:48px}.mini-check-grid{grid-template-columns:1fr}.cost-formula{flex-direction:column}.cost-formula>i{justify-content:center}.limit-row{grid-template-columns:1fr;gap:5px}.limit-row.head{display:none}.faq-summary-grid{grid-template-columns:1fr}.faq-summary-grid>div{border-right:0;border-bottom:1px solid rgba(255,255,255,.14)}.faq-summary-grid>div:last-child{border-bottom:0}.glossary-grid{grid-template-columns:1fr}.contact-model-strip{align-items:flex-end}.contact-model-strip img{width:90px;height:105px}.rich-cta h2{font-size:28px}
}


/* ===== HappyPay v4.1 hero alignment + hi-res inner model patch ===== */
.hero-v2 h1 em{display:inline-block;white-space:nowrap}
.hero-grid-v2{grid-template-columns:1fr 1fr;gap:12px}
.hero-copywrap{position:relative;z-index:2}
.hero-photo-wrap{min-height:660px;margin-right:-150px;justify-content:flex-end;align-items:flex-end;padding-right:10px}
.hero-photo-card{width:min(100%,900px);transform:scale(1.18);transform-origin:right bottom}
.hero-photo-card img{max-height:720px;display:block;width:100%;object-fit:contain;object-position:center bottom}
.hero-photo-wrap:before{inset:6% -2% 3% 18%;border-radius:48% 52% 46% 54%/42% 45% 55% 58%;background:radial-gradient(circle at 50% 42%,rgba(255,255,255,.99),rgba(226,239,255,.82) 50%,rgba(212,230,255,.26) 74%,transparent 76%)}
.hero-float-left,.hero-float-right{position:absolute;display:flex;align-items:center;gap:11px;background:rgba(255,255,255,.96);border:1px solid #e5edf7;border-radius:17px;padding:12px 14px;box-shadow:0 18px 44px rgba(18,61,127,.16);z-index:4;min-width:218px;backdrop-filter:blur(10px)}
.hero-float-left{left:2%;top:58%;transform:translateY(-50%)}
.hero-float-right{right:8%;top:30%;bottom:auto}
.hero-float-right>span{background:#FEE500;color:#171717}

.page-hero-visual img{image-rendering:auto}
.rich-hero .page-hero-grid{grid-template-columns:1fr 1fr;min-height:470px;gap:22px}
.rich-hero .page-hero-visual{min-height:470px;justify-content:flex-end;align-items:flex-end}
.rich-hero .page-hero-visual img{max-width:620px;max-height:500px;width:auto;height:auto;object-fit:contain;filter:drop-shadow(0 28px 46px rgba(13,55,125,.18))}
.rich-hero .page-hero-glow{inset:3% 1% 2% 14%;background:radial-gradient(circle at 54% 42%,rgba(255,255,255,.99),rgba(228,241,255,.82) 48%,rgba(196,223,255,.24) 74%,transparent 76%);border-radius:44% 56% 50% 50%/44% 42% 58% 56%}

@media(max-width:1180px){
  .hero-photo-wrap{margin-right:-90px;min-height:610px}
  .hero-photo-card{width:min(100%,820px);transform:scale(1.1)}
  .hero-float-left{left:0}
  .hero-float-right{right:3%}
  .rich-hero .page-hero-visual img{max-width:560px;max-height:450px}
}
@media(max-width:980px){
  .hero-grid-v2{grid-template-columns:1fr}
  .hero-photo-wrap{margin-right:0;min-height:0;justify-content:center;padding-right:0}
  .hero-photo-card{width:min(100%,700px);transform:none}
  .hero-photo-wrap:before{inset:7% 6% 3%}
  .hero-float-left{left:8px;top:60%;transform:none}
  .hero-float-right{right:8px;top:16px}
  .rich-hero .page-hero-grid{grid-template-columns:1fr;min-height:0}
  .rich-hero .page-hero-visual{min-height:360px;justify-content:center}
  .rich-hero .page-hero-visual img{max-width:520px;max-height:380px}
}
@media(max-width:520px){
  .hero-photo-card img{max-height:520px}
  .hero-float-left{left:8px;bottom:18px;top:auto;transform:none;min-width:0}
  .hero-float-right{right:8px;top:8px;min-width:0}
  .rich-hero .page-hero-visual{min-height:310px}
  .rich-hero .page-hero-visual img{max-width:100%;max-height:320px}
}


/* ===== HappyPay v1.7 copy trust patch ===== */
.main-safety-note{padding:24px 0 0;background:#fff}.safety-inline{display:flex;align-items:center;gap:16px;padding:19px 22px;border:1px solid #dceaf9;border-radius:20px;background:linear-gradient(135deg,#f8fcff,#eef7ff);box-shadow:0 10px 30px rgba(16,65,140,.06)}.safety-inline img{flex:0 0 42px}.safety-inline div{flex:1}.safety-inline strong{display:block;color:#10234a;font-size:16px;margin-bottom:3px}.safety-inline span{color:#667893;font-size:13px}.safety-inline a{color:#0b67ed;font-weight:900;font-size:13px;white-space:nowrap}.safety-promise-box{padding:22px 0;background:#fff}.safety-promise-inner{display:flex;align-items:center;gap:16px;padding:20px 24px;border-radius:20px;background:#f0f8ff;border:1px solid #d8eafb}.safety-promise-inner strong{display:block;font-size:17px;color:#10234a;margin-bottom:4px}.safety-promise-inner span{color:#667893;font-size:13px}@media(max-width:700px){.safety-inline{align-items:flex-start;flex-wrap:wrap}.safety-inline a{width:100%;padding-left:58px}.safety-promise-inner{align-items:flex-start}}


/* ===== HappyPay v1.5 typography + CTA density patch ===== */
.section-head{max-width:1180px;margin-left:auto;margin-right:auto}
.section-head h2{font-size:clamp(34px,3vw,48px);word-break:keep-all;overflow-wrap:normal;text-wrap:balance}
.section-head p{max-width:860px;margin-left:auto;margin-right:auto;word-break:keep-all}
.brand-band-inner{justify-content:flex-start}
.brand-band-inner .copy{max-width:820px}
@media (min-width:1280px){
  .section-head h2{white-space:nowrap}
}
@media (max-width:1279px){
  .section-head{max-width:920px}
}
@media (max-width:980px){
  .section-head{max-width:720px}
  .section-head h2{white-space:normal;text-wrap:balance}
}
@media (max-width:520px){
  .section-head h2{font-size:32px;line-height:1.25;white-space:normal;text-wrap:balance}
}


/* ===== HappyPay v1.9 compact footer + trust badges ===== */
.pre-footer-cta{padding:76px 0 48px}
.site-footer{padding:42px 0 58px;margin-top:0}
.footer-grid{grid-template-columns:1.15fr 1.3fr;gap:52px;align-items:start}
.footer-brand>img{width:158px;height:auto}
.footer-brand p{margin:8px 0 0;font-size:13px}
.footer-trust-badges{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:9px;margin-top:17px;max-width:420px}
.footer-trust-badge{display:flex;align-items:center;gap:9px;min-height:52px;padding:9px 11px;border:1px solid rgba(255,255,255,.11);border-radius:14px;background:rgba(255,255,255,.025)}
.trust-badge-icon{width:31px;height:31px;flex:0 0 31px;border-radius:10px;display:grid;place-items:center;background:linear-gradient(145deg,#0b74ff,#37a1ff);color:#fff;font-size:11px;font-weight:950;box-shadow:0 7px 18px rgba(11,116,255,.22)}
.footer-trust-badge:nth-child(4) .trust-badge-icon{background:linear-gradient(145deg,#ffb72b,#ff8a00)}
.footer-trust-badge b,.footer-trust-badge small{display:block}
.footer-trust-badge b{font-size:10px;letter-spacing:.04em;color:#fff;line-height:1.1}
.footer-trust-badge small{font-size:10px;color:#8698bc;margin-top:3px;line-height:1.2}
.footer-links{gap:28px}.footer-links div{gap:6px}.footer-links strong{font-size:14px;margin-bottom:4px}.footer-links a{font-size:12px}
.footer-bottom{margin-top:24px;padding-top:16px}
@media(max-width:980px){
  .pre-footer-cta{padding:55px 0 38px}
  .site-footer{padding:38px 0 90px}
  .footer-grid{gap:30px}
  .footer-trust-badges{max-width:none}
}
@media(max-width:520px){
  .pre-footer-cta{padding:45px 0 30px}
  .site-footer{padding-top:32px}
  .footer-trust-badges{grid-template-columns:1fr 1fr;gap:7px}
  .footer-trust-badge{padding:8px;min-height:48px}
  .trust-badge-icon{width:28px;height:28px;flex-basis:28px}
  .footer-bottom{margin-top:20px;padding-top:14px}
}