@font-face{font-family:Inter;src:url(../fonts/inter-regular.woff) format("woff");font-weight:400;font-display:swap}
@font-face{font-family:Inter;src:url(../fonts/inter-semibold.woff) format("woff");font-weight:600;font-display:swap}
@font-face{font-family:Inter;src:url(../fonts/inter-bold.woff) format("woff");font-weight:700;font-display:swap}
:root{--ink:#141414;--muted:#5d5d5d;--line:#e6e3da;--bg:#ffffff;--soft:#f7f5ef;--y:#F7D31E;--y2:#fff4bf;--r:14px;--max:1180px}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:400 17px/1.6 Inter,-apple-system,BlinkMacSystemFont,"Segoe UI","Apple SD Gothic Neo","Malgun Gothic","Noto Sans KR",Roboto,Arial,sans-serif}
html[lang=ko] body{word-break:keep-all;line-height:1.7}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}
/* header */
.hdr{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);border-bottom:1px solid rgba(20,20,20,.08)}
@supports ((-webkit-backdrop-filter:blur(1px)) or (backdrop-filter:blur(1px))){.hdr{background:rgba(255,255,255,.6);-webkit-backdrop-filter:saturate(180%) blur(20px);backdrop-filter:saturate(180%) blur(20px);box-shadow:0 1px 0 rgba(255,255,255,.6) inset,0 8px 24px -18px rgba(0,0,0,.25)}}
.hdr .wrap{display:flex;align-items:center;gap:24px;height:68px}
.logo{display:block;flex:0 0 auto}.logo img{height:26px;width:auto}
.nav{display:flex;gap:22px;margin-left:auto;font-size:15px}
.nav a{text-decoration:none;color:var(--ink);opacity:.82}.nav a:hover{opacity:1;text-decoration:underline;text-decoration-color:var(--y);text-decoration-thickness:3px;text-underline-offset:6px}
.lang{display:flex;gap:4px;font-size:13px;font-weight:600;letter-spacing:.04em}
.lang a{text-decoration:none;padding:4px 7px;border-radius:6px;color:var(--muted)}
.lang a[aria-current]{background:var(--ink);color:#fff}
.burger{display:none;margin-left:auto;background:none;border:0;padding:8px;cursor:pointer}
.burger span{display:block;width:22px;height:2px;background:var(--ink);margin:5px 0}
/* buttons */
.btn{display:inline-block;background:var(--ink);color:#fff;text-decoration:none;font-weight:600;padding:13px 22px;border-radius:999px;font-size:16px;border:2px solid var(--ink);transition:.15s}
.btn:hover{background:var(--y);color:var(--ink);border-color:var(--y)}
.btn.ghost{background:transparent;color:var(--ink)}
.btn.ghost:hover{background:var(--ink);color:#fff}
.btn.y{background:var(--y);border-color:var(--y);color:var(--ink)}.btn.y:hover{background:#fff;border-color:#fff}
/* sections */
section{padding:84px 0;scroll-margin-top:70px}
section.soft{background:var(--soft)}
.eyebrow{font-size:13px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin:0 0 14px;display:flex;align-items:center;gap:10px}
.eyebrow:before{content:"";width:3px;height:16px;background:var(--y);display:inline-block}
h1,h2,h3{line-height:1.15;margin:0 0 18px;letter-spacing:-.015em}
h1{font-size:clamp(34px,4.6vw,56px);font-weight:700}
h2{font-size:clamp(28px,3.2vw,40px);font-weight:700}
h3{font-size:20px;font-weight:600;letter-spacing:-.005em}
p{margin:0 0 16px}
.lead{font-size:19px;color:#2d2d2d;max-width:760px}
.muted{color:var(--muted)}
.small{font-size:14px}
/* hero */
.hero{padding:72px 0 64px}
.hero .grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.collage{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.collage img{border-radius:var(--r);object-fit:cover;width:100%;height:100%}
.collage .tall{grid-row:span 2}
/* stats */
.stats{display:grid;grid-template-columns:repeat(6,1fr);gap:0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin-top:56px}
.stat{padding:22px 18px 20px;border-left:1px solid var(--line)}
.stat:first-child{border-left:0;padding-left:0}
.stat b{display:block;font-size:30px;line-height:1.1;font-weight:700;letter-spacing:-.02em}
.stat span{display:block;font-size:14px;color:var(--muted);margin-top:6px;line-height:1.4}
/* grids */
.two{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:36px}
.cards.c2{grid-template-columns:repeat(2,1fr)}.cards.c4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px}
.soft .card{border-color:#ebe7dc}
.card h3{margin-bottom:10px}
.card p{margin:0;color:#3a3a3a;font-size:16px}
.num{display:inline-flex;width:30px;height:30px;border-radius:50%;background:var(--y);font-weight:700;font-size:15px;align-items:center;justify-content:center;margin-bottom:14px}
ul.ticks{list-style:none;padding:0;margin:0 0 18px}
ul.ticks li{padding:8px 0 8px 26px;position:relative;border-bottom:1px solid var(--line)}
ul.ticks li:before{content:"";position:absolute;left:0;top:17px;width:12px;height:3px;background:var(--y)}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:12px 0 0;padding:0;list-style:none}
.chips li,.chips a{border:1px solid var(--ink);border-radius:999px;padding:6px 14px;font-size:15px;font-weight:600;text-decoration:none;background:#fff}
.chips a:hover{background:var(--y);border-color:var(--y)}
.photo{border-radius:var(--r);overflow:hidden}
.photo img{width:100%;height:100%;object-fit:cover}
.pgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:32px}
.pgrid figure{margin:0}.pgrid img{border-radius:var(--r);aspect-ratio:4/5;object-fit:cover;width:100%}
.pgrid figcaption{font-size:14px;color:var(--muted);margin-top:8px}
/* feature (bachelor) */
.feature{background:var(--ink);color:#fff;border-radius:22px;padding:48px;display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:center;margin-top:36px}
.feature .eyebrow{color:#cfcfcf}
.feature h3{font-size:clamp(24px,2.6vw,32px);font-weight:700}
.feature p{color:#e9e9e9}
.feature .figs{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.feature .figs div{border:1px solid #3a3a3a;border-radius:var(--r);padding:18px}
.feature .figs b{display:block;font-size:30px;color:var(--y);line-height:1.1}
.feature .figs span{font-size:14px;color:#cfcfcf}
.src{font-size:13px;color:#a9a9a9;margin-top:12px}
/* brands */
.brands{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:28px}
.brand{border:1px solid var(--line);border-radius:var(--r);padding:18px 18px 16px;text-decoration:none;display:block;background:#fff;transition:.15s}
a.brand:hover{border-color:var(--ink);box-shadow:0 0 0 1px var(--ink)}
.brand b{display:block;font-size:19px;letter-spacing:-.01em}
.brand span{font-size:13px;color:var(--muted)}
/* media */
.media{list-style:none;padding:0;margin:28px 0 0;display:grid;grid-template-columns:repeat(2,1fr);gap:0 40px}
.media li{border-bottom:1px solid var(--line);padding:14px 0}
.media a{text-decoration:none;font-weight:600}.media a:hover{text-decoration:underline}
.media span{display:block;font-size:14px;color:var(--muted)}
/* faq */
.faq details{border-bottom:1px solid var(--line);padding:18px 0}
.faq summary{cursor:pointer;font-weight:600;font-size:18px;list-style:none;display:flex;justify-content:space-between;gap:20px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";font-weight:400;font-size:24px;line-height:1}
.faq details[open] summary:after{content:"–"}
.faq details p{margin:12px 0 0;color:#333;max-width:860px}
/* form */
.form{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form label{display:block;font-size:14px;font-weight:600;margin-bottom:6px}
.form input,.form textarea,.form select{width:100%;font:inherit;font-size:16px;padding:12px 14px;border:1px solid #cfcabd;border-radius:10px;background:#fff;color:var(--ink)}
.form input:focus,.form textarea:focus{outline:2px solid var(--y);border-color:var(--ink)}
.form .full{grid-column:1/-1}
.form textarea{min-height:120px;resize:vertical}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.notice{border-radius:10px;padding:14px 16px;margin-bottom:16px;font-weight:600}
.notice.ok{background:var(--y2)}.notice.err{background:#fde2e0}
.contact-box{background:var(--ink);color:#fff;border-radius:22px;padding:36px}
.contact-box a{color:#fff}
.contact-box h3{color:#fff}
.contact-box dl{margin:0}.contact-box dt{font-size:13px;color:#bdbdbd;letter-spacing:.08em;text-transform:uppercase;margin-top:16px}.contact-box dd{margin:4px 0 0;font-weight:600}
/* footer */
footer{background:var(--soft);padding:44px 0;font-size:14px;color:#444;border-top:1px solid var(--line)}
footer .wrap{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}
footer img{height:22px;width:auto;margin-bottom:14px}
footer a{color:#222}
footer ul{list-style:none;padding:0;margin:0}footer li{margin:4px 0}
/* responsive */
@media (max-width:1060px){.nav{display:none}.burger{display:block}.lang{margin-left:8px}
 .nav.open{display:flex;flex-direction:column;position:absolute;left:0;right:0;top:68px;background:rgba(255,255,255,.97);padding:18px 24px;border-bottom:1px solid var(--line);gap:14px;font-size:17px}
 .stats{grid-template-columns:repeat(3,1fr)}.stat:nth-child(4){border-left:0;padding-left:0}.stat:nth-child(n+4){border-top:1px solid var(--line)}
 .brands{grid-template-columns:repeat(3,1fr)}.cards.c4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:820px){section{padding:60px 0}.hero{padding:44px 0}
 .hero .grid,.two,.feature{grid-template-columns:1fr;gap:32px}.feature{padding:30px}
 .cards,.cards.c2,.cards.c4{grid-template-columns:1fr}.pgrid{grid-template-columns:1fr 1fr}.media{grid-template-columns:1fr}
 .brands{grid-template-columns:1fr 1fr}.form{grid-template-columns:1fr}
 footer .wrap{grid-template-columns:1fr}}
@media (max-width:520px){body{font-size:16px}.wrap{padding:0 16px}.stats{grid-template-columns:1fr 1fr}.stat{border-left:0!important;padding-left:0!important;border-top:1px solid var(--line)}.stat:nth-child(-n+2){border-top:0}
 .logo img{height:20px}.lead{font-size:17px}.hdr .wrap{gap:8px}.lang{margin-left:0}.lang a{padding:4px 5px}.burger{padding:6px}}

.quote{margin:0;display:flex;flex-direction:column;justify-content:space-between;gap:16px}.quote blockquote{margin:0;font-size:16px;line-height:1.55;color:#2b2b2b}

/* v4 */
.hl{background:linear-gradient(transparent 58%,var(--y) 58%);font-weight:700;padding:0 2px}
.forbes{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}
.fb{display:flex;flex-direction:column;text-decoration:none;background:var(--ink);color:#fff;border-radius:12px;padding:10px 16px 11px;border-left:4px solid var(--y);transition:.15s}
.fb:hover{transform:translateY(-1px)}
.fb b{font-family:Georgia,"Times New Roman",serif;font-size:19px;letter-spacing:.01em;line-height:1.2}
.fb span{font-size:13px;color:#e6e6e6;line-height:1.35}
details.more{margin-top:10px}
details.more summary{cursor:pointer;font-weight:600;font-size:15px;display:inline-block;padding:6px 0;text-decoration:underline;text-decoration-color:var(--y);text-decoration-thickness:3px;text-underline-offset:5px;list-style:none}
details.more summary::-webkit-details-marker{display:none}
details.more[open] summary{display:none}
details.more p{margin:10px 0 0;font-size:15px}
.brands.logos{grid-template-columns:repeat(6,1fr)}
.logo-card{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:10px;text-align:center;min-height:132px;padding:16px 10px}
.logo-card img{max-width:110px;max-height:56px;width:auto;height:auto;object-fit:contain}
.logo-card b{font-size:13px;font-weight:600;color:var(--muted)}
.wall{list-style:none;padding:0;margin:8px 0 18px;display:flex;flex-wrap:wrap;gap:10px 28px;align-items:center}
.wall li{font-size:22px;font-weight:700;letter-spacing:-.02em;color:#2a2a2a}
.band{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:end;border-bottom:1px solid var(--line);padding-bottom:36px}
.band .lead p{margin:0}
details.segs{margin-top:28px;border:1px solid var(--line);border-radius:var(--r);padding:18px 22px;background:#fff}
details.segs summary{cursor:pointer;font-weight:600;font-size:18px}
details.segs dl{display:grid;grid-template-columns:140px 1fr;gap:10px 18px;margin:18px 0 0}
details.segs dt{font-weight:600}details.segs dd{margin:0;color:#3a3a3a}
@media (max-width:1060px){.brands.logos{grid-template-columns:repeat(4,1fr)}}
@media (max-width:820px){.band{grid-template-columns:1fr;gap:16px}.brands.logos{grid-template-columns:repeat(3,1fr)}details.segs dl{grid-template-columns:1fr}.wall li{font-size:18px}}
@media (max-width:520px){.brands.logos{grid-template-columns:repeat(2,1fr)}}

/* v6 */
.feature{grid-template-columns:1fr 1fr;grid-template-areas:"photo text" "photo figs" "src src";align-items:start;row-gap:24px}
.feature .bach-photo{grid-area:photo;margin:0;align-self:stretch}
.feature .bach-photo img{border-radius:var(--r);width:100%;height:100%;max-height:520px;object-fit:cover;object-position:0% 50%}
.feature .bach-photo figcaption{font-size:12px;color:#a9a9a9;margin-top:8px}
.feature>div:nth-of-type(1){grid-area:text}.feature .figs{grid-area:figs}.feature>.src{grid-area:src;margin:0}
.feature .hl{background:none;color:var(--y);padding:0}
.wall{gap:10px;margin:12px 0 24px}
.wall li{background:#fff;border:1px solid var(--line);border-radius:var(--r);height:76px;min-width:100px;padding:0 16px;display:flex;align-items:center;justify-content:center}
.wall li img{max-height:34px;max-width:130px;width:auto;height:auto}
.wall li img[alt=PrivatBank]{max-height:26px;max-width:150px}.wall li img[alt=MEGOGO]{max-height:48px}.wall li img[alt=monobank]{max-height:22px;max-width:120px}
.wall li.txt{font-size:17px;font-weight:700;letter-spacing:-.01em;background:var(--ink);color:#fff;border-color:var(--ink)}
.duo{margin:18px 0 0;display:grid;grid-template-columns:1fr 1fr;gap:12px}
.duo img{border-radius:var(--r);width:100%;aspect-ratio:4/3;object-fit:cover}
.duo figcaption{grid-column:1/-1;font-size:14px;color:var(--muted)}
.segs4{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:32px}
.seg{border-radius:18px;padding:26px 24px 22px;min-height:250px}
.seg h3{font-size:19px;margin-bottom:14px}
.seg ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px}
.seg li{font-size:14px;font-weight:600;padding:4px 10px;border-radius:999px;background:rgba(255,255,255,.75)}
.s-lux{background:var(--ink);color:#fff}.s-lux li{background:rgba(255,255,255,.12)}
.s-mid{background:var(--y)}
.s-acc{background:#dcd5f5}
.s-pro{background:#e8e6e1}
@media (max-width:1060px){.segs4{grid-template-columns:1fr 1fr}}
@media (max-width:820px){.feature{grid-template-columns:1fr;grid-template-areas:"photo" "text" "figs" "src"}.feature .bach-photo img{max-height:none;height:auto;aspect-ratio:3/2}}
@media (max-width:520px){.segs4{grid-template-columns:1fr}.seg{min-height:0}.wall li{min-width:0;flex:1 1 40%;height:64px;padding:0 12px}.wall li img{max-width:110px}.duo{grid-template-columns:1fr}}
#korea .duo{max-width:760px}