.tab-nav {
      display: flex; gap: 8px; flex-wrap: wrap;
      background: var(--light); border-radius: var(--r-full);
      padding: 6px; margin-bottom: 60px;
    }
    .tab-btn {
      flex: 1; min-width: 140px;
      background: transparent; border: none;
      font-family: var(--font-body); font-size: 0.88rem; font-weight: 700;
      color: var(--mid); padding: 12px 20px; border-radius: var(--r-full);
      cursor: none; transition: all 0.3s var(--bounce);
      display: flex; align-items: center; justify-content: center; gap: 8px;
    }
    .tab-btn .lucide { width: 16px; height: 16px; }
    .tab-btn:hover { color: var(--dark); background: rgba(255,255,255,0.6); }
    .tab-btn.active { background: white; color: var(--dark); box-shadow: 0 4px 16px rgba(0,0,0,0.08); }

    .tab-panel { display: none; }
    .tab-panel.active { display: block; animation: fadeUp 0.4s var(--ease-out); }
    @keyframes fadeUp { from { opacity: 0; transform: translateY(16px); } to { opacity: 1; transform: none; } }

    .panel-hero {
      display: grid; grid-template-columns: 1fr 1fr; gap: 60px;
      align-items: center; margin-bottom: 60px;
    }
    .panel-icon-box {
      width: 80px; height: 80px; border-radius: var(--r-xl);
      display: flex; align-items: center; justify-content: center;
      margin-bottom: 28px;
    }
    .panel-icon-box .lucide { width: 36px; height: 36px; }
    .panel-title { font-family: var(--font-head); font-size: 2.2rem; line-height: 1.1; letter-spacing: -0.03em; margin-bottom: 16px; }
    .panel-desc { font-size: 1rem; line-height: 1.8; color: var(--mid); }

    .panel-visual {
      border-radius: var(--r-xl); padding: 60px;
      display: flex; align-items: center; justify-content: center;
    }
    .panel-visual .lucide { width: 80px; height: 80px; opacity: 0.3; }

    .sub-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
    .sub-card {
      background: var(--light); border-radius: var(--r-xl); padding: 28px;
      border: 1.5px solid transparent; transition: all 0.4s var(--bounce);
    }
    .sub-card:hover { background: white; border-color: var(--orange); transform: translateY(-5px); box-shadow: 0 16px 40px rgba(255,69,0,0.08); }
    .sub-icon-box {
      width: 40px; height: 40px; border-radius: 10px;
      background: var(--orange-pale); color: var(--orange);
      display: flex; align-items: center; justify-content: center;
      margin-bottom: 14px; transition: transform 0.3s var(--bounce);
    }
    .sub-card:hover .sub-icon-box { transform: scale(1.12) rotate(4deg); }
    .sub-icon-box .lucide { width: 18px; height: 18px; }
    .sub-name { font-family: var(--font-head); font-size: 1rem; margin-bottom: 8px; }
    .sub-text { font-size: 0.82rem; line-height: 1.65; color: var(--mid); }

    .process-section {
      background: var(--dark); border-radius: var(--r-xl); padding: 80px 60px; margin: 80px 40px;
    }
    .process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; margin-top: 48px; }
    .process-step { text-align: center; }
    .process-num { font-family: var(--font-head); font-size: 3.5rem; color: var(--orange); line-height: 1; margin-bottom: 16px; }
    .process-name { font-family: var(--font-head); font-size: 1.1rem; color: white; margin-bottom: 8px; }
    .process-text { font-size: 0.82rem; color: rgba(255,255,255,0.5); line-height: 1.65; }

    .faq-section { max-width: 720px; margin: 0 auto; }

    @media (max-width: 960px) {
      .panel-hero { grid-template-columns: 1fr; }
      .panel-visual { display: none; }
      .sub-grid { grid-template-columns: repeat(2, 1fr); }
      .process-grid { grid-template-columns: repeat(2, 1fr); }
      .process-section { margin: 60px 24px; padding: 60px 40px; }
    }
    @media (max-width: 640px) {
      .sub-grid { grid-template-columns: 1fr; }
      .process-grid { grid-template-columns: 1fr; }
      .process-section { padding: 48px 24px; }
      .tab-btn span { display: none; }
    }