.bgd-wrap{--blue:#3a73ff;--blue-deep:#2f4a7a;--ink:#131415;--body:#4b5666;--muted:#7b8294;--line:#edeff4;--line2:#e2e6ee;--bg:#f6f7fb;--soft:#eef3ff;
	margin-top:106px;font-family:'Pretendard',-apple-system,sans-serif;letter-spacing:-.025em;color:var(--ink)}
.bgd-wrap *{box-sizing:border-box}
.bgd-in{max-width:1080px;margin:0 auto;padding:0 32px}
/* hero */
.bgd-hero{padding:70px 0 60px;background:linear-gradient(120deg,#2a3e63 0%,#1f2f4d 100%)}
.bgd-hero h1{font-size:34px;font-weight:700;line-height:1.28;color:#fff;margin:0}
.bgd-hero p{font-size:16px;line-height:1.6;color:#c5cfde;max-width:760px;margin:14px 0 0}
/* tabs */
.bgd-tabs{display:flex;justify-content:center;gap:8px;margin-top:-26px;position:relative;z-index:2}
.bgd-tab{height:52px;padding:0 30px;display:inline-flex;align-items:center;font-size:15px;font-weight:600;text-decoration:none;
	border-radius:999px;background:#fff;color:var(--body);border:1px solid var(--line2);box-shadow:0 6px 20px rgba(20,40,80,.08)}
.bgd-tab.on{background:linear-gradient(135deg,#3a73ff,#2f4ea3);color:#fff;border-color:transparent}
.bgd-tab:hover:not(.on){border-color:#c9d3e6}
/* section head */
.bgd-sec{padding:64px 0 0}
.bgd-h2{font-size:26px;font-weight:700;text-align:center;margin:0}
.bgd-h2 span{display:block;font-size:15px;font-weight:500;color:var(--muted);margin-top:10px}
/* stepper */
.bgd-steps{display:flex;justify-content:center;align-items:flex-start;margin:38px 0 8px}
.bgd-step{flex:1;max-width:230px;text-align:center;position:relative}
.bgd-step:not(:last-child)::after{content:"";position:absolute;top:34px;left:calc(50% + 42px);right:calc(-50% + 42px);height:2px;background:var(--line2)}
.bgd-ic{width:68px;height:68px;margin:0 auto;border-radius:50%;background:var(--soft);display:flex;align-items:center;justify-content:center;position:relative;z-index:1}
.bgd-ic img{width:34px;height:34px}
.bgd-snum{font-size:12px;font-weight:700;color:var(--blue);margin-top:14px;letter-spacing:.04em}
.bgd-slabel{margin-top:4px;font-size:15px;font-weight:600;color:var(--ink);line-height:1.4}
/* step cards */
.bgd-card{display:flex;gap:36px;align-items:center;border:1px solid var(--line2);border-radius:18px;padding:30px;margin-top:22px;background:#fff}
.bgd-card .bgd-img{width:320px;flex:none;border-radius:12px;overflow:hidden;background:var(--bg)}
.bgd-card .bgd-img img{width:100%;height:auto;display:block}
.bgd-card .bgd-txt{flex:1;min-width:0}
.bgd-tag{display:inline-flex;align-items:center;gap:7px;font-size:12.5px;font-weight:700;color:var(--blue);background:var(--soft);padding:6px 13px;border-radius:999px}
.bgd-card h3{font-size:19px;font-weight:700;margin:14px 0 0;line-height:1.35}
.bgd-card h4{font-size:16px;font-weight:700;margin:20px 0 0}
.bgd-card p{font-size:14.5px;line-height:1.65;color:var(--body);margin:8px 0 0}
.bgd-card p span{display:block;font-weight:600;color:var(--ink);margin-bottom:2px}
.bgd-bank{margin-top:16px;background:var(--bg);border:1px solid var(--line2);border-radius:10px;padding:14px 18px;font-size:14.5px;color:var(--ink);font-weight:600}
.bgd-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}
.bgd-btn{height:44px;padding:0 22px;border-radius:9px;display:inline-flex;align-items:center;font-size:14px;font-weight:600;cursor:pointer;font-family:inherit;transition:all .15s;border:1px solid transparent}
.bgd-btn.pri{background:linear-gradient(135deg,#3a73ff,#2f4ea3);color:#fff}
.bgd-btn.pri:hover{filter:brightness(1.07)}
.bgd-btn.sec{background:#fff;color:var(--blue-deep);border-color:var(--line2)}
.bgd-btn.sec:hover{border-color:#3a73ff;color:#3a73ff}
/* bottom cta */
.bgd-cta{margin:64px 0 80px;background:var(--bg);border-radius:16px;padding:44px;text-align:center}
.bgd-cta h2{font-size:21px;font-weight:700;margin:0}
.bgd-cta p{font-size:15px;color:var(--muted);margin:10px 0 24px}
.bgd-cta .bgd-actions{justify-content:center}
.bgd-cta .bgd-btn{height:50px;padding:0 30px;font-size:15px}
@media(max-width:820px){
	.bgd-wrap{margin-top:62px}
	.bgd-in{padding:0 20px}.bgd-hero h1{font-size:25px}
	.bgd-steps{flex-wrap:wrap;gap:24px 0}.bgd-step{flex:1 0 33%}.bgd-step::after{display:none}
	.bgd-card{flex-direction:column;align-items:stretch;padding:22px}.bgd-card .bgd-img{width:100%}
}