/* ===================================================
   키움바로뱅크 - style.css
   신용카드현금화 전문 업체
=================================================== */

/* ---- Design Tokens ---- */
:root {
  --primary: #1a56db;
  --primary-dark: #0f3460;
  --accent: #f59e0b;
  --accent-dark: #d97706;
  --dark: #0f172a;
  --dark2: #1e293b;
  --gray: #64748b;
  --light: #f1f5f9;
  --white: #ffffff;
  --border: #e2e8f0;
  --header-h: 64px;
  --radius: 12px;
  --shadow: 0 4px 24px rgba(15,23,42,0.10);
  --shadow-lg: 0 12px 40px rgba(15,23,42,0.18);
}

/* ---- Reset ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Noto Sans KR', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--dark);
  background: var(--white);
  line-height: 1.7;
  font-size: 15px;
  padding-bottom: 60px;
}
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* ===================================================
   HEADER
=================================================== */
.kb-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: var(--header-h);
  z-index: 1000;
  background: rgba(15,23,42,0.96);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(255,255,255,0.08);
  transition: box-shadow 0.3s;
}
.kb-header.scrolled {
  box-shadow: 0 2px 24px rgba(0,0,0,0.35);
}
.kb-header-inner {
  max-width: 1280px;
  margin: 0 auto;
  height: 100%;
  display: flex;
  align-items: center;
  padding: 0 24px;
  gap: 32px;
}
.kb-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.kb-logo-icon {
  width: 36px; height: 36px;
  background: var(--primary);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-weight: 900; font-size: 18px; color: #fff;
}
.kb-logo-text {
  font-size: 17px; font-weight: 800; color: #fff;
  letter-spacing: -0.5px;
}
.kb-nav {
  display: flex;
  gap: 4px;
  margin-left: auto;
}
.kb-nav a {
  color: rgba(255,255,255,0.8);
  font-size: 14px;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 8px;
  transition: background 0.2s, color 0.2s;
}
.kb-nav a:hover {
  background: rgba(255,255,255,0.1);
  color: #fff;
}
.kb-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  margin-left: auto;
}
.kb-hamburger span {
  display: block;
  width: 22px; height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: 0.3s;
}
.kb-mobile-nav {
  display: none;
  flex-direction: column;
  background: var(--dark2);
  padding: 8px 0;
  border-top: 1px solid rgba(255,255,255,0.08);
}
.kb-mobile-nav.open { display: flex; }
.kb-mobile-nav a {
  color: rgba(255,255,255,0.85);
  padding: 14px 24px;
  font-size: 15px;
  font-weight: 500;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.kb-mobile-nav a:hover { background: rgba(255,255,255,0.06); }

/* ===================================================
   HERO - Two Column Layout
=================================================== */
.kb-hero {
  display: grid;
  grid-template-columns: 1fr 1fr;
  padding-top: var(--header-h);
}

/* Left Panel - Sticky */
.kb-hero-left {
  position: sticky;
  top: var(--header-h);
  height: calc(100vh - var(--header-h));
  background: linear-gradient(150deg, #0a0f1e 0%, #0f172a 40%, #0d2050 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}
.kb-hero-bg-pattern {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 20% 60%, rgba(26,86,219,0.3) 0%, transparent 55%),
    radial-gradient(ellipse at 80% 20%, rgba(245,158,11,0.12) 0%, transparent 50%),
    repeating-linear-gradient(
      45deg,
      transparent,
      transparent 60px,
      rgba(255,255,255,0.015) 60px,
      rgba(255,255,255,0.015) 120px
    );
}
.kb-hero-content {
  position: relative;
  z-index: 2;
  padding: 48px 52px;
  max-width: 520px;
}
.kb-hero-eyebrow {
  font-size: 13px;
  color: rgba(255,255,255,0.6);
  letter-spacing: 0.3px;
  margin-bottom: 20px;
  font-weight: 400;
}
.kb-hero-h1 {
  font-size: clamp(30px, 3.2vw, 46px);
  font-weight: 900;
  color: #fff;
  line-height: 1.2;
  letter-spacing: -1.5px;
  margin-bottom: 20px;
}
.kb-hero-accent {
  color: var(--accent);
}
.kb-hero-sub {
  font-size: 15px;
  color: rgba(255,255,255,0.65);
  line-height: 1.75;
  margin-bottom: 36px;
}
.kb-hero-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--primary);
  color: #fff;
  font-size: 15px;
  font-weight: 700;
  padding: 16px 28px;
  border-radius: 10px;
  border: 2px solid rgba(255,255,255,0.15);
  transition: background 0.25s, transform 0.2s, box-shadow 0.25s;
  letter-spacing: -0.3px;
}
.kb-hero-btn:hover {
  background: #1648c0;
  transform: translateY(-2px);
  box-shadow: 0 10px 30px rgba(26,86,219,0.5);
}

/* Right Panel - Scrollable */
.kb-hero-right {
  background: var(--white);
  padding: 48px 40px 64px;
  min-height: calc(100vh - var(--header-h));
}
.kb-right-title {
  font-size: 22px;
  font-weight: 800;
  color: var(--dark);
  margin-bottom: 10px;
  letter-spacing: -0.5px;
}
.kb-right-divider {
  width: 48px; height: 3px;
  background: var(--primary);
  border-radius: 2px;
  margin-bottom: 32px;
}

/* Card Rows */
.kb-card-row {
  display: flex;
  gap: 20px;
  margin-bottom: 32px;
  align-items: flex-start;
}
.kb-banner {
  flex-shrink: 0;
  width: 190px;
  min-height: 110px;
  border-radius: 10px;
  padding: 14px 16px;
  display: flex;
  flex-direction: column;
  gap: 4px;
  position: relative;
  overflow: hidden;
}
.kb-banner::after {
  content: '';
  position: absolute;
  bottom: -20px; right: -20px;
  width: 80px; height: 80px;
  border-radius: 50%;
  background: rgba(255,255,255,0.07);
}
.kb-badge {
  display: inline-block;
  background: rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.9);
  font-size: 10px;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: 20px;
  letter-spacing: 0.3px;
  width: fit-content;
  margin-bottom: 4px;
}
.kb-banner strong {
  font-size: 15px;
  font-weight: 800;
  color: #fff;
  line-height: 1.3;
  letter-spacing: -0.3px;
}
.kb-banner span {
  font-size: 12px;
  color: rgba(255,255,255,0.75);
}
.kb-banner-deco {
  position: absolute;
  bottom: 8px; right: 12px;
  font-size: 20px;
  opacity: 0.7;
}

/* Banner Color Variants */
.kb-banner-blue   { background: linear-gradient(135deg, #1a56db, #0f3460); }
.kb-banner-purple { background: linear-gradient(135deg, #7c3aed, #4c1d95); }
.kb-banner-dark   { background: linear-gradient(135deg, #1e293b, #0f172a); }
.kb-banner-teal   { background: linear-gradient(135deg, #0d9488, #065f46); }
.kb-banner-green  { background: linear-gradient(135deg, #059669, #064e3b); }
.kb-banner-orange { background: linear-gradient(135deg, #d97706, #92400e); }
.kb-banner-indigo { background: linear-gradient(135deg, #4f46e5, #312e81); }
.kb-banner-red    { background: linear-gradient(135deg, #dc2626, #7f1d1d); }

/* Card Text */
.kb-card-text h3 {
  font-size: 15px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 8px;
  letter-spacing: -0.3px;
  line-height: 1.4;
}
.kb-card-text p {
  font-size: 13.5px;
  color: var(--gray);
  line-height: 1.75;
}

/* ===================================================
   FEE SECTION
=================================================== */
.kb-fee {
  background: linear-gradient(135deg, #0f172a 0%, #1e293b 50%, #0d2050 100%);
  padding: 80px 24px;
  position: relative;
  overflow: hidden;
}
.kb-fee::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 70% 50%, rgba(26,86,219,0.2) 0%, transparent 60%),
    radial-gradient(ellipse at 20% 80%, rgba(245,158,11,0.1) 0%, transparent 50%);
}
.kb-fee-inner {
  max-width: 800px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}
.kb-fee-label-row {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 24px;
  flex-wrap: wrap;
}
.kb-fee-badge {
  background: var(--primary);
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  padding: 5px 14px;
  border-radius: 20px;
  letter-spacing: 0.3px;
}
.kb-fee-tag {
  font-size: 13px;
  color: rgba(255,255,255,0.55);
}
.kb-fee-quote {
  font-size: clamp(18px, 2.2vw, 26px);
  font-weight: 800;
  color: #fff;
  line-height: 1.45;
  letter-spacing: -0.8px;
  margin-bottom: 28px;
}
.kb-fee-quote strong {
  color: var(--accent);
}
.kb-fee-inner p {
  font-size: 14.5px;
  color: rgba(255,255,255,0.7);
  line-height: 1.85;
  margin-bottom: 16px;
}

/* ===================================================
   RECOMMEND SECTION
=================================================== */
.kb-recommend {
  padding: 80px 24px;
  background: var(--white);
}
.kb-section-wrap {
  max-width: 1200px;
  margin: 0 auto;
}
.kb-section-narrow {
  max-width: 800px;
}
.kb-section-head {
  text-align: center;
  margin-bottom: 56px;
}
.kb-section-head h2 {
  font-size: clamp(22px, 2.5vw, 32px);
  font-weight: 900;
  color: var(--dark);
  letter-spacing: -1px;
  line-height: 1.3;
  margin-bottom: 12px;
}
.kb-section-head p {
  font-size: 15px;
  color: var(--gray);
}
.kb-blue { color: var(--primary); }
.kb-rec-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.kb-rec-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  transition: transform 0.25s, box-shadow 0.25s, border-color 0.25s;
}
.kb-rec-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--primary);
}
.kb-rec-icon {
  width: 52px; height: 52px;
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 24px;
  margin-bottom: 16px;
}
.kb-rec-card h3 {
  font-size: 15px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 10px;
  letter-spacing: -0.3px;
  line-height: 1.4;
}
.kb-rec-card p {
  font-size: 13.5px;
  color: var(--gray);
  line-height: 1.75;
}

/* ===================================================
   STATS SECTION
=================================================== */
.kb-stats {
  background: linear-gradient(135deg, #1a56db 0%, #0f3460 100%);
  padding: 80px 24px;
}
.kb-section-head-white h2 { color: #fff; }
.kb-section-head-white p  { color: rgba(255,255,255,0.7); }
.kb-stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  margin-top: 48px;
}
.kb-stat {
  text-align: center;
  padding: 32px 16px;
  background: rgba(255,255,255,0.08);
  border-radius: var(--radius);
  border: 1px solid rgba(255,255,255,0.12);
  transition: background 0.25s;
}
.kb-stat:hover { background: rgba(255,255,255,0.14); }
.kb-stat-num {
  font-size: 44px;
  font-weight: 900;
  color: #fff;
  letter-spacing: -2px;
  line-height: 1;
  margin-bottom: 8px;
}
.kb-unit {
  font-size: 24px;
  font-weight: 700;
  color: var(--accent);
}
.kb-stat-label {
  font-size: 14px;
  font-weight: 600;
  color: rgba(255,255,255,0.9);
  margin-bottom: 4px;
}
.kb-stat-en {
  font-size: 10px;
  color: rgba(255,255,255,0.4);
  letter-spacing: 1px;
  font-weight: 500;
}

/* ===================================================
   PROCESS SECTION
=================================================== */
.kb-process {
  padding: 80px 24px;
  background: var(--light);
}
.kb-steps {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.kb-step {
  display: flex;
  gap: 28px;
  padding: 36px 0;
  border-bottom: 1px solid var(--border);
  align-items: flex-start;
}
.kb-step:last-child { border-bottom: none; }
.kb-step-icon {
  flex-shrink: 0;
  width: 72px; height: 72px;
  background: var(--primary);
  border-radius: 16px;
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  box-shadow: 0 8px 24px rgba(26,86,219,0.3);
}
.kb-step-body { flex: 1; }
.kb-step-num {
  font-size: 11px;
  font-weight: 700;
  color: var(--primary);
  letter-spacing: 1.5px;
  margin-bottom: 6px;
}
.kb-step-body h3 {
  font-size: 18px;
  font-weight: 800;
  color: var(--dark);
  letter-spacing: -0.5px;
  margin-bottom: 8px;
  line-height: 1.35;
}
.kb-step-badge {
  display: inline-block;
  background: rgba(26,86,219,0.1);
  color: var(--primary);
  font-size: 12px;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 20px;
  margin-bottom: 10px;
}
.kb-step-body p {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.8;
  margin-bottom: 10px;
}
.kb-step-tag {
  font-size: 12.5px;
  color: #059669;
  font-weight: 600;
}

/* ===================================================
   WHY US SECTION
=================================================== */
.kb-whyus {
  padding: 80px 24px;
  background: var(--white);
}
.kb-why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.kb-why-card {
  padding: 28px 24px;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  transition: transform 0.25s, box-shadow 0.25s, border-color 0.25s;
  background: var(--white);
}
.kb-why-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--primary);
}
.kb-why-icon {
  font-size: 32px;
  margin-bottom: 14px;
}
.kb-why-card h3 {
  font-size: 15px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 10px;
  letter-spacing: -0.3px;
  line-height: 1.4;
}
.kb-why-card p {
  font-size: 13.5px;
  color: var(--gray);
  line-height: 1.75;
}

/* ===================================================
   FAQ SECTION
=================================================== */
.kb-faq {
  padding: 80px 24px;
  background: var(--light);
}
.kb-faq-list {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.kb-faq-item {
  border-bottom: 1px solid var(--border);
}
.kb-faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 4px;
  font-size: 15px;
  font-weight: 600;
  color: var(--dark);
  gap: 16px;
  text-align: left;
  transition: color 0.2s;
}
.kb-faq-q:hover { color: var(--primary); }
.kb-faq-q[aria-expanded="true"] { color: var(--primary); }
.kb-faq-q[aria-expanded="true"] .kb-arrow {
  transform: rotate(180deg);
}
.kb-arrow {
  flex-shrink: 0;
  transition: transform 0.3s;
  color: var(--gray);
}
.kb-faq-a {
  display: none;
  padding: 0 4px 20px;
}
.kb-faq-a.open { display: block; }
.kb-faq-a p {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.85;
  margin-bottom: 10px;
}
.kb-faq-a p:last-child { margin-bottom: 0; }

/* ===================================================
   GUIDE SECTION
=================================================== */
.kb-guide {
  padding: 80px 24px;
  background: var(--dark);
}
.kb-eyebrow {
  font-size: 11px;
  font-weight: 700;
  color: var(--accent);
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 12px;
}
.kb-guide-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.kb-guide-card {
  background: var(--dark2);
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid rgba(255,255,255,0.07);
  transition: transform 0.25s, box-shadow 0.25s, border-color 0.25s;
  display: flex;
  flex-direction: column;
  position: relative;
}
.kb-guide-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 40px rgba(0,0,0,0.4);
  border-color: rgba(26,86,219,0.5);
}
.kb-guide-img {
  height: 130px;
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  padding: 16px;
  position: relative;
}
.kb-guide-num {
  font-size: 11px;
  font-weight: 700;
  color: rgba(255,255,255,0.4);
  letter-spacing: 1px;
}
.kb-guide-emoji {
  font-size: 36px;
  opacity: 0.85;
}
.kb-guide-body {
  padding: 18px 18px 20px;
  flex: 1;
}
.kb-guide-tags {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
  margin-bottom: 10px;
}
.kb-guide-tags span {
  font-size: 10px;
  color: rgba(255,255,255,0.4);
  background: rgba(255,255,255,0.06);
  padding: 2px 8px;
  border-radius: 20px;
}
.kb-guide-body h3 {
  font-size: 14px;
  font-weight: 700;
  color: #fff;
  margin-bottom: 8px;
  line-height: 1.4;
}
.kb-guide-body p {
  font-size: 12.5px;
  color: rgba(255,255,255,0.5);
  line-height: 1.7;
  margin-bottom: 12px;
}
.kb-guide-more {
  font-size: 12px;
  color: var(--primary);
  font-weight: 600;
}
.kb-guide-bar {
  height: 3px;
  background: var(--primary);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s;
}
.kb-guide-card:hover .kb-guide-bar {
  transform: scaleX(1);
}

/* ===================================================
   CTA SECTION
=================================================== */
.kb-cta {
  background: linear-gradient(135deg, #1a56db 0%, #0f3460 100%);
  padding: 80px 24px;
  text-align: center;
}
.kb-cta-inner {
  max-width: 640px;
  margin: 0 auto;
}
.kb-cta h2 {
  font-size: clamp(24px, 3vw, 36px);
  font-weight: 900;
  color: #fff;
  letter-spacing: -1px;
  margin-bottom: 12px;
}
.kb-cta p {
  font-size: 15px;
  color: rgba(255,255,255,0.7);
  margin-bottom: 40px;
}
.kb-cta-btns {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}
.kb-cta-call,
.kb-cta-sms {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 18px 28px;
  border-radius: 12px;
  font-size: 14px;
  font-weight: 600;
  transition: transform 0.2s, box-shadow 0.25s;
  min-width: 220px;
}
.kb-cta-call:hover,
.kb-cta-sms:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 32px rgba(0,0,0,0.3);
}
.kb-cta-call {
  background: #fff;
  color: var(--primary);
}
.kb-cta-sms {
  background: rgba(255,255,255,0.12);
  color: #fff;
  border: 1px solid rgba(255,255,255,0.25);
}
.kb-cta-call div,
.kb-cta-sms div {
  display: flex;
  flex-direction: column;
  text-align: left;
}
.kb-cta-call span,
.kb-cta-sms span {
  font-size: 11px;
  font-weight: 400;
  opacity: 0.7;
}
.kb-cta-call strong,
.kb-cta-sms strong {
  font-size: 16px;
  font-weight: 800;
  letter-spacing: -0.5px;
}

/* ===================================================
   FOOTER
=================================================== */
.kb-footer {
  background: var(--dark);
  padding: 40px 24px;
  text-align: center;
  border-top: 1px solid rgba(255,255,255,0.06);
}
.kb-footer-inner {
  max-width: 600px;
  margin: 0 auto;
}
.kb-footer-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  justify-content: center;
  margin-bottom: 16px;
}
.kb-footer-logo span {
  font-size: 16px;
  font-weight: 800;
  color: #fff;
}
.kb-footer p {
  font-size: 13px;
  color: rgba(255,255,255,0.45);
  margin-bottom: 6px;
}
.kb-footer a { color: rgba(255,255,255,0.65); }
.kb-footer a:hover { color: #fff; }
.kb-footer-copy {
  margin-top: 20px;
  font-size: 12px;
  color: rgba(255,255,255,0.25) !important;
}

/* ===================================================
   FLOATING BAR
=================================================== */
.kb-float-bar {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  z-index: 999;
  height: 60px;
}
.kb-float-sms,
.kb-float-call {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 0 16px;
  font-size: 12px;
  transition: filter 0.2s;
}
.kb-float-sms:hover,
.kb-float-call:hover { filter: brightness(1.1); }
.kb-float-sms {
  background: var(--accent-dark);
  color: #fff;
}
.kb-float-call {
  background: #c0392b;
  color: #fff;
}
.kb-float-sms div,
.kb-float-call div {
  display: flex;
  flex-direction: column;
  line-height: 1.3;
}
.kb-float-sms span,
.kb-float-call span {
  font-size: 10px;
  opacity: 0.8;
}
.kb-float-sms strong,
.kb-float-call strong {
  font-size: 12px;
  font-weight: 700;
}
.kb-float-sms b,
.kb-float-call b {
  font-size: 14px;
  font-weight: 800;
  letter-spacing: -0.3px;
  margin-left: auto;
}

/* ===================================================
   RESPONSIVE - Tablet (max 1024px)
=================================================== */
@media (max-width: 1024px) {
  .kb-hero {
    grid-template-columns: 1fr;
  }
  .kb-hero-left {
    position: relative;
    top: auto;
    height: auto;
    min-height: 60vh;
  }
  .kb-hero-right {
    padding: 40px 28px 56px;
  }
  .kb-rec-grid,
  .kb-why-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .kb-stats-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .kb-guide-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .kb-nav { display: none; }
  .kb-hamburger { display: flex; }
}

/* ===================================================
   RESPONSIVE - Mobile (max 640px)
=================================================== */
@media (max-width: 640px) {
  .kb-hero-content {
    padding: 40px 28px;
  }
  .kb-hero-right {
    padding: 32px 20px 48px;
  }
  .kb-card-row {
    flex-direction: column;
    gap: 14px;
  }
  .kb-banner {
    width: 100%;
    min-height: 90px;
    flex-direction: row;
    align-items: center;
    gap: 12px;
  }
  .kb-banner-deco { display: none; }
  .kb-rec-grid,
  .kb-why-grid {
    grid-template-columns: 1fr;
  }
  .kb-stats-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
  }
  .kb-guide-grid {
    grid-template-columns: 1fr;
  }
  .kb-step {
    flex-direction: column;
    gap: 16px;
  }
  .kb-cta-btns {
    flex-direction: column;
    align-items: center;
  }
  .kb-cta-call,
  .kb-cta-sms {
    width: 100%;
    max-width: 320px;
  }
  .kb-float-sms b,
  .kb-float-call b {
    display: none;
  }
  .kb-fee-quote {
    font-size: 16px;
  }
}