/* =============================================================================
   에이플론 · apply.css — 상담신청 페이지 전용
   ========================================================================== */

/* ---- 페이지 헤더 배너 --------------------------------------------------- */
.apply-hero { position: relative; background: var(--grad-navy); color: #fff; overflow: hidden; padding-block: clamp(40px, 5vw, 64px); }
.apply-hero::before { content: ""; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(700px 320px at 85% -20%, rgba(56,214,240,.2), transparent 60%),
              radial-gradient(600px 300px at 0% 120%, rgba(47,107,246,.3), transparent 60%); }
.apply-hero .container { position: relative; }
.breadcrumb { display: flex; align-items: center; gap: 8px; font-size: var(--fs-sm); color: #9fb2e6; margin-bottom: 16px; }
.breadcrumb a:hover { color: #fff; }
.breadcrumb svg { width: 14px; height: 14px; opacity: .6; }
.apply-hero h1 { color: #fff; margin-bottom: 12px; }
.apply-hero p { color: #c7d4f5; font-size: var(--fs-lg); max-width: 40em; }
.apply-hero .hero-trust { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 22px; }
.apply-hero .hero-trust .trust-badge { background: rgba(255,255,255,.1); color: #eaf1ff; box-shadow: inset 0 0 0 1px rgba(255,255,255,.16); }
.apply-hero .hero-trust .trust-badge svg { color: var(--cyan-300); }

/* ---- 레이아웃 ----------------------------------------------------------- */
.apply-layout { display: grid; grid-template-columns: 360px 1fr; gap: clamp(24px, 4vw, 48px); align-items: start; margin-top: clamp(-48px, -4vw, -32px); position: relative; z-index: 2; }
@media (max-width: 940px) { .apply-layout { grid-template-columns: 1fr; } }

/* ---- 좌측 안내 패널 ----------------------------------------------------- */
.apply-aside { display: grid; gap: 18px; position: sticky; top: calc(var(--header-h) + 16px); }
@media (max-width: 940px) { .apply-aside { position: static; } }

.aside-card { background: #fff; border-radius: var(--radius-xl); padding: 26px; box-shadow: var(--shadow-lg); border: 1px solid var(--slate-100); }
.aside-card h3 { font-size: var(--fs-h4); margin-bottom: 18px; }

/* 진행 단계 */
.steps { display: grid; gap: 4px; }
.step { display: flex; gap: 14px; }
.step .step-rail { display: flex; flex-direction: column; align-items: center; }
.step .step-no { flex: 0 0 32px; width: 32px; height: 32px; border-radius: 50%; display: grid; place-items: center; font-weight: var(--fw-bold); font-size: var(--fs-sm); background: var(--blue-50); color: var(--blue-600); }
.step .step-line { flex: 1; width: 2px; background: var(--slate-200); margin: 4px 0; }
.step:last-child .step-line { display: none; }
.step .step-body { padding-bottom: 18px; }
.step .step-body b { display: block; margin-bottom: 2px; }
.step .step-body span { font-size: var(--fs-sm); color: var(--slate-500); }
.step:first-child .step-no { background: var(--grad-cta); color: #fff; }

/* 신뢰 요소 리스트 */
.aside-trust { display: grid; gap: 14px; }
.aside-trust li { display: flex; gap: 12px; align-items: flex-start; }
.aside-trust .ti { flex: 0 0 38px; width: 38px; height: 38px; border-radius: 11px; display: grid; place-items: center; background: var(--blue-50); color: var(--blue-600); }
.aside-trust .ti svg { width: 20px; height: 20px; }
.aside-trust b { display: block; font-size: var(--fs-sm); }
.aside-trust span { font-size: var(--fs-xs); color: var(--slate-500); }

/* 전화 안내 카드 */
.aside-tel { background: var(--grad-navy-card); color: #fff; text-align: center; }
.aside-tel .cap { color: #c7d4f5; font-size: var(--fs-sm); }
.aside-tel .num { font-size: 1.8rem; font-weight: var(--fw-extra); letter-spacing: -0.02em; margin: 6px 0 4px; }
.aside-tel .hours { color: #9fb2e6; font-size: var(--fs-xs); }

/* ---- 우측 폼 카드 ------------------------------------------------------- */
.form-card { background: #fff; border-radius: var(--radius-2xl); padding: clamp(24px, 3vw, 40px); box-shadow: var(--shadow-xl); border: 1px solid var(--slate-100); }
.form-card .form-head { margin-bottom: 26px; }
.form-card .form-head h2 { font-size: var(--fs-h3); margin-bottom: 6px; }
.form-card .form-head p { color: var(--slate-500); font-size: var(--fs-sm); }

.form-section { margin-bottom: 28px; }
.form-section > .field-label { display: block; margin-bottom: 12px; font-size: var(--fs-base); }
.form-grid { display: grid; gap: 18px; grid-template-columns: repeat(2, 1fr); }
.form-grid .col-2 { grid-column: span 2; }
@media (max-width: 560px) { .form-grid { grid-template-columns: 1fr; } .form-grid .col-2 { grid-column: auto; } }

/* 대출 종류 카드: 모바일은 2열 고정(2개씩 3줄) + 컴팩트하게 — 세로 자리 절약 */
@media (max-width: 560px) {
  .choice-grid { grid-template-columns: 1fr 1fr; gap: 10px; }
  .choice { padding: 14px 8px; gap: 7px; font-size: var(--fs-sm); border-radius: var(--radius-md); }
  .choice .choice-ico { width: 34px; height: 34px; border-radius: 10px; }
  .choice .choice-ico svg { width: 19px; height: 19px; }
}

.agree-box { display: grid; gap: 14px; padding: 20px; background: var(--slate-50); border-radius: var(--radius-lg); border: 1px solid var(--slate-100); }
.agree-all { padding-bottom: 14px; border-bottom: 1px dashed var(--slate-200); font-weight: var(--fw-bold); color: var(--slate-800); font-size: var(--fs-base); }

.form-submit { margin-top: 26px; }
.form-note { display: flex; align-items: center; justify-content: center; gap: 6px; margin-top: 14px; font-size: var(--fs-xs); color: var(--slate-500); }
.form-note svg { width: 14px; height: 14px; color: var(--green-500); }

/* 제출 로딩 스피너 */
.btn .spinner { width: 20px; height: 20px; border: 2.4px solid rgba(255,255,255,.4); border-top-color: #fff; border-radius: 50%; animation: spin .7s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.btn.is-loading { pointer-events: none; opacity: .85; }