@media screen and (max-width: 768px) {
    body {
        padding-top: 70px;
    }

    .what-features {
        grid-template-columns: repeat(2, 1fr);
        gap: 12px;
        margin: 24px 0 16px;
    }

    .what-feature-item {
        padding: 12px 10px;
        gap: 8px;
    }

    .what-feature-item i {
        font-size: 24px;
    }

    .hide-pc {
        display: block !important;
    }

    .hide-mobile {
        display: none !important;
    }

    /* ================================== */

    /* 헤더 */
    .header {
        height: 70px;
        position: fixed;
        top: 0;
        left: 0;
        right: 0;
        width: 100%;
    }

    .header-container {
        padding: 0 15px;
    }

    .header-logo img {
        height: 35px;
    }

    .mobile-buttons {
        display: flex;
        align-items: center;
    }

    .mobile-left-btn,
    .mobile-menu-btn {
        display: block;
    }

    .mobile-left-btn {
        padding: 0px 12px;
        background-color: var(--maincolor);
        color: #fff;
        border-radius: 150px;
        font-size: 12px;
        text-decoration: none;
        height: 35px;
        line-height: 35px;
        transition: background-color 0.3s ease;
    }

    .mobile-left-btn:hover {
        background-color: var(--subcolor);
    }

    /* 모바일 메뉴 */
    .nav-menu {
        position: fixed;
        top: 0;
        right: -100%;
        width: 250px;
        height: 100vh;
        background-color: #fff;
        padding: 2rem;
        transition: right 0.3s ease;
        box-shadow: -2px 0 5px rgba(0, 0, 0, 0.1);
    }

    .nav-menu.active {
        right: 0;
    }

    .nav-menu .close-btn {
        display: flex;
        position: absolute;
        top: 20px;
        right: 20px;
        background: none;
        border: none;
        font-size: 24px;
        cursor: pointer;
        color: var(--text-color);
        width: 30px;
        height: 30px;
        align-items: center;
        justify-content: center;
        transition: color 0.3s ease;
    }

    .nav-menu .close-btn:hover {
        color: var(--maincolor);
    }

    .nav-list {
        flex-direction: column;
        gap: 1.5rem;
        margin-top: 100px;
        align-items: center;
    }

    /* ================ 메인 ================ */

    /* 모바일 메인 */
    .main-top {
        height: auto;
        min-height: unset;
        padding: 60px 0 50px;
    }

    .main-top .container {
        flex-direction: column;
        align-items: center;
        justify-content: center;
        text-align: center;
        position: static;
        padding: 0 24px;
        height: auto;
    }

    .main-top .main-top-txt {
        width: 100%;
        margin: 0;
        padding: 0;
        height: auto;
        justify-content: center;
        align-items: center;
        text-align: center;
        z-index: 10;
    }

    .main-top-badge {
        align-self: center;
        margin-top: 0;
        margin-bottom: 16px;
    }

    .main-top .main-top-txt .title {
        font-size: 36px;
        text-align: center;
    }

    .main-top .main-top-txt .sub-title {
        font-size: 18px;
        margin-top: 12px;
        text-align: center;
    }

    .main-top .main-top-txt .txt {
        font-size: 16px;
    }

    .main-top-img {
        display: none !important;
    }

    .main-top .hero-cta-wrap {
        align-items: center;
        margin-top: 24px;
    }

    /* 모바일 introduce 섹션 */
    .main-introduce {
        padding: 50px 0;
    }

    .main-introduce .container {
        flex-direction: column;
        gap: 30px;
        padding: 0 20px;
        text-align: center;
    }

    .main-introduce-title {
        padding-top: 0;
        text-align: center !important;
        width: 100%;
    }

    .main-introduce-title h2,
    .main-introduce-title h3,
    .main-introduce-title p {
        text-align: center !important;
    }

    .main-introduce-title h3 {
        font-size: 20px;
        margin-bottom: 3px;
    }

    .main-introduce-title h2 {
        font-size: 24px;
        margin-bottom: 10px;
    }

    .main-introduce-title p {
        font-size: 15px;
    }

    .main-introduce-title p.small {
        font-size: 12px;
    }

    .main-introduce-cards {
        padding: 0;
        width: 100%;
    }

    .card-wrapper {
        justify-content: center;
    }

    .card-wrapper:nth-child(even) {
        justify-content: center;
    }

    .main-introduce .card {
        width: 95%;
        padding: 15px 20px;
    }

    .main-introduce .card p {
        font-size: 13px;
    }

    .main-introduce .card h3 {
        font-size: 16px;
    }

    .main-introduce-title.bottom {
        display: flex !important;
        align-items: center;
        justify-content: center;
        z-index: 100;
        height: auto;
    }

    .main-introduce-title.bottom .bottom-btn {
        margin-top: 10px;
    }

    /* 모바일 리뷰 섹션 */
    .main-review {
        padding: 50px 0;
    }

    .main-review .container>p {
        font-size: 14px;
        margin-bottom: 3px;
    }

    .main-review .container>h2 {
        font-size: 26px;
        margin-bottom: 8px;
    }

    .review-subtitle {
        font-size: 13px;
        margin-bottom: 32px !important;
    }

    .review-swiper {
        padding: 10px 0 32px;
    }

    .chat-review-card {
        padding: 16px 14px 14px;
        gap: 10px;
    }

    .chat-review-imgs {
        flex-direction: column;
        gap: 8px;
    }

    .chat-img-wrap {
        width: 100%;
        flex: unset;
    }

    .chat-review-footer {
        flex-direction: column;
        align-items: flex-start;
        gap: 6px;
    }

    .review-card {
        padding: 20px;
        height: 280px;
    }

    .profile-img {
        width: 40px;
        height: 40px;
    }

    .profile-info .name {
        font-size: 14px;
    }

    .review-text {
        font-size: 14px;
        -webkit-line-clamp: 4;
    }

    .review-date {
        font-size: 12px;
    }

    .swiper-button-next,
    .swiper-button-prev {
        display: none;
    }

    /* 모바일 lic 섹션 */
    .main-lic {
        padding: 50px 0;
    }

    .lic-wrapper {
        flex-direction: column;
    }

    .main-lic .section-title {
        font-size: 22px;
        margin-bottom: 10px;
    }

    .main-lic .section-subtitle {
        font-size: 15px;
        margin-bottom: 30px;
        padding: 0 20px;
    }

    .lic-card {
        width: 100%;
    }

    .lic-card img {
        width: 100%;
    }

    /* 모바일 form 섹션 */
    .main-form {
        padding: 50px 0;
    }

    .form-wrapper h2 {
        font-size: 24px;
        margin-bottom: 30px;
    }

    .loan-form {
        padding: 25px;
    }

    /* 모바일 live 섹션 */
    .main-live {
        padding: 50px 0;
    }

    .main-live .section-title {
        font-size: 24px;
        margin-bottom: 30px;
    }

    .main-live .section-subtitle {
        font-size: 15px;
        margin-bottom: 30px;
        padding: 0 20px;
    }

    .live-table-container {
        padding: 10px;
        margin: 0 -10px;
        border-radius: 10px;
        height: 280px;
        /* 모바일에서 6행이 보이도록 설정 */
    }

    .live-table th,
    .live-table td {
        padding: 10px 5px;
        font-size: 14px;
    }

    .live-table .status-button {
        padding: 4px 12px;
        font-size: 12px;
    }

    /* 모바일에서 소요시간 컬럼 숨기기 */
    .live-table th:nth-child(4),
    .live-table td:nth-child(4) {
        display: none;
    }

    /* 모바일 links 섹션 */
    .main-links {
        padding: 15px 0;
    }

    .main-links .container {
        padding: 0;
    }

    .partners-logo-wrapper {
        flex-wrap: nowrap;
        overflow-x: auto;
        -webkit-overflow-scrolling: touch;
    }

    .partner-logo {
        padding: 0 10px;
    }

    .partner-logo img {
        max-width: 85%;
    }

    /* ================ 서브 페이지 공통 ================ */

    .top-banner {
        height: 120px;
    }

    .top-banner p {
        font-size: 22px;
    }

    /* ================ about ================ */

    /* about intro 섹션 */
    .about-intro {
        padding: 40px 0;
    }

    .about-grid {
        grid-template-columns: 1fr;
        gap: 20px;
    }

    .about-card-inner {
        padding: 20px;
        height: 580px;
    }

    .about-content h3 {
        font-size: 20px;
    }

    .about-content p {
        font-size: 14px;
    }

    .about-img {
        margin-bottom: 20px;
    }

    .about-img img {
        max-width: 150px;
    }

    .about-content h3 {
        font-size: 18px;
        margin-bottom: 15px;
    }

    .about-content p {
        font-size: 14px;
        margin-bottom: 10px;
    }

    /* Swiper 슬라이드 정상 동작을 위한 스타일 */
    .about-swiper {
        width: 100%;
        overflow: visible !important;
    }

    .about-swiper .swiper-wrapper {
        display: flex;
    }

    .about-swiper .swiper-slide {
        width: 100% !important;
        flex-shrink: 0;
        display: flex;
        justify-content: center;
        align-items: stretch;
    }

    .about-swiper .about-card {
        width: 100%;
    }

    /* about links 섹션 */
    .about-links {
        padding: 40px 0;
    }

    .about-links-content {
        flex-direction: column;
        gap: 20px;
        align-items: stretch;
    }

    .about-links-text {
        text-align: left;
    }

    .about-links-content h2 {
        font-size: 24px;
    }

    .about-links-content h3 {
        font-size: 18px;
    }

    .about-links-content p {
        font-size: 14px;
        margin-bottom: 0;
    }

    .about-links-button {
        width: 100%;
        justify-content: center;
        padding: 12px 20px;
        font-size: 15px;
    }

    /* ================ product ================ */

    .product {
        padding: 40px 0;
    }

    .product-hero {
        flex-direction: column;
        gap: 10px;
        margin-bottom: 40px;
        height: 540px;
    }

    .product-text {
        padding: 0 25px 25px 25px;
        order: 2;
        text-align: center;
    }

    .product-text h2 {
        font-size: 16px;
    }

    .product-text h3 {
        font-size: 24px;
        margin-bottom: 15px;
    }

    .product-text p {
        font-size: 14px;
        margin-bottom: 10px;
    }

    .product-text p.small {
        font-size: 12px;
        margin-bottom: 10px;
    }

    .product-swiper {
        overflow: visible !important;
    }

    .product-item {
        height: auto;
        min-height: unset;
    }

    .product-header h3 {
        font-size: 18px;
    }

    .product-content .label {
        font-size: 14px;
    }

    .product-content .value {
        font-size: 14px;
    }

    /* Product Money 섹션 */
    .product-money {
        /* padding: 40px 0; */
        padding-bottom: 40px;
    }

    .product-money-hero {
        flex-direction: column;
        gap: 20px;
        margin-bottom: 30px;
    }

    .product-money-text {
        padding: 25px;
        order: 2;
        text-align: center;
    }

    .product-money-text h2 {
        font-size: 16px;
    }

    .product-money-text {
        font-size: 24px;
        margin-bottom: 15px;
    }

    .product-money-text {
        font-size: 14px;
        margin-bottom: 10px;
    }

    .product-money-image {
        order: 1;
        padding: 20px 20px 0 20px;
    }

    .product-money-image img {
        max-width: 70%;
    }

    .timeline {
        padding: 20px 0;
        margin-top: 0px;
        margin-bottom: 40px;
    }

    .timeline::before {
        left: 20px;
    }

    .timeline-item {
        width: calc(100% - 20px);
        margin: 0 0 30px 0;
        padding-left: 50px;
        padding-right: 0;
    }

    .timeline-item:nth-child(odd) {
        padding-right: 0px;
    }

    .timeline-item:nth-child(even) {
        margin: 0 0 30px 0;
        padding-left: 50px;
        padding-right: 0px;
    }

    .timeline-item:last-child {
        margin-bottom: 0;
    }

    .timeline-item::before {
        left: 11px;
        width: 16px;
        height: 16px;
        border-width: 3px;
    }

    .timeline-item:nth-child(odd)::before {
        right: auto;
        left: 9px;
    }

    .timeline-item:nth-child(even)::before {
        left: 9px;
    }

    .timeline-content {
        padding: 20px;
        width: 100%;
        box-sizing: border-box;
    }

    .timeline-content .icon {
        width: 50px;
        height: 50px;
        top: 15px;
        right: 20px;
    }

    .timeline-content .icon img {
        width: 100%;
        height: auto;
    }

    .timeline-content::before {
        display: none;
    }

    .timeline-content .step-number {
        font-size: 12px;
        padding: 6px 12px;
    }

    .timeline-content h3 {
        font-size: 18px;
        word-break: keep-all;
    }

    .timeline-content p {
        font-size: 14px;
        word-break: keep-all;
        white-space: normal;
        width: 100%;
    }

    .tip-item {
        padding: 15px;
        gap: 15px;
        flex-direction: column;
        align-items: flex-start;
    }

    .tip-label {
        font-size: 12px;
        padding: 6px 10px;
    }

    .tip-content {
        font-size: 14px;
    }

    /* product tips 섹션 */
    .product-tips {
        padding: 40px 0;
    }

    .product-tips-hero {
        flex-direction: column;
        padding: 25px;
        gap: 20px;
    }

    .product-tips-image {
        width: 100%;
        order: 1;
    }

    .product-tips-content {
        width: 100%;
        order: 2;
        text-align: center;
        padding: 0;
    }

    .product-tips-content h2 {
        font-size: 22px;
    }

    .product-tips-content h3 {
        font-size: 18px;
        margin-bottom: 15px;
    }

    .product-tips-content p {
        font-size: 14px;
        margin-bottom: 15px;
    }

    /* product search 섹션 */
    .product-search {
        padding: 40px 0 0 0;
    }

    .product-search-image {
        max-width: 100%;
    }

    .top-banner .sub-title {
        font-size: 16px;
    }

    /* request button 섹션 */
    .request-button {
        padding: 40px 0;
    }

    .request-button-title h2 {
        font-size: 24px;
        margin-bottom: 10px;
    }

    .request-button-title p {
        font-size: 16px;
        display: block;
    }

    .request-button-title.bottom p {
        font-size: 14px;
    }
    
    .request-button-title .alert i{
        font-size: 14px;
        margin-right: 5px;
    }

    .request-button-links{
        flex-direction: column;
        gap: 10px;
    }

    .request-button-link{
        justify-content: center;
    }

    .form-desc p{
        font-size: 14px;
    }

    /* request notice 섹션 */
    .request-notice {
        padding: 40px 0;
    }

    .request-notice-icon img {
        width: 60px;
    }

    .request-notice-content h2 {
        font-size: 24px;
        margin-bottom: 10px;
    }

    .request-notice-content p {
        font-size: 14px;
    }

    /* request kakao 섹션 */
    .request-kakao {
        padding: 40px 0;
    }

    .request-kakao-title {
        margin-bottom: 30px;
    }

    .request-kakao-title h2 {
        font-size: 24px;
        margin-bottom: 10px;
    }

    .request-kakao-title p {
        font-size: 15px;
    }

    .request-kakao-content {
        flex-direction: column;
        gap: 15px;
        margin-bottom: 15px;
        padding: 0 20px;
    }

    .request-kakao-banner {
        margin: 40px 0px;
        padding: 12px 15px;
    }

    .request-kakao-banner p {
        font-size: 16px;
    }

    .request-kakao-box {
        max-width: 100%;
    }

    /* ================ footer ================ */

    .footer {
        padding: 30px 0;
        padding-bottom: calc(30px + 42px);
        /* 모바일에서 기본 패딩 + 플로팅 메뉴 높이 */
    }

    .footer-container {
        padding: 0 15px;
    }

    .footer-info {
        margin-bottom: 20px;
    }

    .links-logo {
        font-size: 16px;
        margin-bottom: 12px;
    }

    .contact-info {
        flex-direction: column;
        line-height: 1.5;
        gap: 5px;
        margin-bottom: 0;
    }

    .contact-info:last-of-type {
        margin-top: 5px;
    }

    .contact-info p {
        font-size: 13px;
    }

    .footer-notice {
        font-size: 12px;
    }

    .footer-copyright {
        font-size: 11px;
    }

    /* ================ 플로팅 메뉴 ================ */

    .floating-wrap {
        bottom: 20px;
        right: 14px;
    }

    .floating-btn {
        width: 52px;
        height: 52px;
        font-size: 20px;
    }

    .floating-bubble {
        font-size: 12px;
        padding: 8px 12px;
    }

    .bubble-count {
        font-size: 16px;
    }

    /* faq 섹션 */
    .faq-container {
        padding: 40px 0;
    }

    .faq-title {
        margin-bottom: 30px;
    }

    .faq-title h2 {
        font-size: 24px;
        margin-bottom: 10px;
    }

    .faq-title p {
        font-size: 15px;
        padding: 0 20px;
    }

    .faq-question {
        padding: 20px;
    }

    .question-mark {
        font-size: 18px;
        margin-right: 12px;
    }

    .question-text {
        font-size: 14px;
    }

    .faq-answer {
        padding: 0 20px;
    }

    .faq-answer p {
        padding: 20px 0;
        font-size: 14px;
    }

    /* ===== 신규 섹션 모바일 ===== */

    /* Hero 개선 */
    .main-top-badge {
        font-size: 14px;
        padding: 7px 14px;
    }

    .main-top .main-top-txt .title {
        font-size: 36px;
    }

    .main-top .main-top-txt .sub-title {
        font-size: 18px;
    }

    .hero-cta-wrap {
        align-items: center;
    }

    .quick-btn {
        font-size: 15px;
        padding: 13px 24px;
        width: 100%;
        justify-content: center;
    }

    .hero-cta-sub {
        text-align: center;
    }

    /* 섹션 공통 */
    .section-title-lg {
        font-size: 24px;
        margin-bottom: 28px;
    }

    /* 대출 vs 체인지론 비교 */
    .main-compare {
        padding: 60px 0;
    }

    .compare-title {
        font-size: 24px;
        margin-bottom: 28px;
    }

    .compare-table-wrap {
        padding: 40px 12px;
        gap: 10px;
        border-radius: 18px;
        margin: 0 16px;
    }

    .ct-labels {
        flex: 0 0 80px;
    }

    .ct-label-head {
        height: 48px;
    }

    .ct-label-row {
        font-size: 11px;
        gap: 4px;
    }

    .ct-label-row i {
        display: none;
    }

    .ct-cards {
        gap: 8px;
    }

    .ct-card {
        border-radius: 12px;
    }

    .ct-card-head {
        font-size: 12px;
        padding: 10px 8px;
        height: 48px;
    }

    .ct-card-row {
        font-size: 12px;
        padding: 0 6px;
        gap: 4px;
    }

    .ct-card-row i {
        font-size: 12px;
    }

    /* 체인지론이란? */
    .main-what {
        padding: 60px 0;
    }

    .what-title {
        font-size: 24px;
    }

    .what-desc {
        font-size: 15px;
    }

    .what-grid {
        flex-direction: row;
        gap: 12px;
        flex-wrap: nowrap;
        align-items: stretch;
    }

    .what-divider {
        transform: none;
        align-self: center;
    }

    .what-item {
        flex: 1;
        max-width: 50%;
        padding: 20px 10px;
        display: flex;
        flex-direction: column;
        align-items: center;
        text-align: center;
    }

    .what-item h3 {
        font-size: 16px;
    }

    .what-item p {
        font-size: 13px;
    }

    .what-tag {
        font-size: 11px;
        padding: 4px 10px;
        margin-top: auto;
        white-space: nowrap;
    }

    .what-icon {
        width: 50px;
        height: 50px;
        margin-bottom: 10px;
    }

    .what-icon i {
        font-size: 22px;
    }

    .what-fee-notice {
        font-size: 13px;
        text-align: left;
    }

    /* 이용절차 */
    .main-process {
        padding: 60px 0;
    }

    .process-steps {
        flex-direction: column;
        gap: 16px;
    }

    .process-step {
        max-width: 100%;
        width: 100%;
        padding: 28px 20px;
    }

    .process-arrow {
        transform: rotate(90deg);
    }

    .process-cta {
        flex-direction: column;
        align-items: stretch;
    }

    .btn-primary,
    .btn-secondary {
        justify-content: center;
        padding: 14px 20px;
        font-size: 15px;
    }

    /* 이런 분들 */
    .main-target {
        padding: 60px 0;
    }

    .target-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 12px;
    }

    .target-item {
        padding: 20px 12px;
    }

    .target-item p {
        font-size: 13px;
    }

    .target-answer {
        flex-direction: column;
        padding: 24px 20px;
        text-align: left;
        gap: 20px;
    }

    .target-answer-inner {
        align-items: flex-start;
    }

    .target-answer .btn-primary {
        width: 100%;
    }

    /* 신뢰 요소 */
    .trust-badges {
        flex-direction: row;
        flex-wrap: wrap;
        gap: 10px;
    }

    .trust-badge-item {
        font-size: 12px;
        padding: 9px 14px;
        flex: 0 0 calc(50% - 5px);
        box-sizing: border-box;
    }

    /* FAQ 미니 */
    .main-faq-mini {
        padding: 60px 0;
    }

    .faq-mini-q {
        padding: 16px 16px;
    }

    .faq-mini-q span {
        font-size: 14px;
    }

    .faq-mini-a {
        padding: 0 16px 16px 44px;
    }

    /* 폼 */
    .form-notice {
        font-size: 12px !important;
    }

    /* 플로팅 */
    .floating-wrap {
        bottom: 16px;
        right: 12px;
        gap: 10px;
    }

    /* live 섹션 desc */
    .main-live-desc {
        font-size: 14px;
        margin-top: -15px;
    }

    /* ================ review 페이지 ================ */
    .review-page-grid {
        grid-template-columns: 1fr;
        gap: 24px;
    }

    .review-card-img img {
        height: 260px;
    }

    .review-card-body {
        padding: 20px 20px 24px;
    }
}