/* 대출계산기 — 다크(기본) / 라이트 테마 */
:root{
  --bg:#0a0f1f; --bg2:#0d1430; --card:#121a36; --card2:#162046;
  --line:rgba(255,255,255,.08);
  --txt:#eef2ff; --muted:#8b94b8; --faint:#5b6488;
  --mint:#2dff9e; --mint-dim:rgba(45,255,158,.12);
  --violet:#8b7bff; --amber:#ffc24b; --red:#ff6b6b; --sky:#4cc9f0;
  --radius:20px;
  --panel:#0a0f22; --header-bg:rgba(10,15,31,.88);
  --body-txt:#cdd4ee; --warn-txt:#d8c391;
  --ad-bg:rgba(255,255,255,.025);
  --band-alt:linear-gradient(180deg,rgba(22,32,70,.5),rgba(13,20,48,.5));
  --glow-a:rgba(45,255,158,.06); --glow-b:rgba(139,123,255,.09);
}
[data-theme="light"]{
  --bg:#f6f8fc; --bg2:#ffffff; --card:#ffffff; --card2:#eef2fa;
  --line:rgba(15,23,42,.12);
  --txt:#101828; --muted:#5b6478; --faint:#98a1b8;
  --mint:#009e5f; --mint-dim:rgba(0,158,95,.1);
  --violet:#6a5cff; --amber:#b77900; --red:#e5484d; --sky:#0284c7;
  --panel:#ffffff; --header-bg:rgba(255,255,255,.92);
  --body-txt:#3c445c; --warn-txt:#8a6d1f;
  --ad-bg:rgba(15,23,42,.04);
  --band-alt:rgba(15,23,42,.035);
  --glow-a:rgba(0,158,95,.05); --glow-b:rgba(106,92,255,.06);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:"Pretendard Variable",Pretendard,-apple-system,"Malgun Gothic","맑은 고딕",Helvetica,"Apple SD Gothic Neo","Noto Sans KR",sans-serif;
  background:var(--bg); color:var(--txt);
  -webkit-font-smoothing:antialiased; line-height:1.6;
}
body::before{
  content:''; position:fixed; inset:0; pointer-events:none; z-index:0;
  background:
    radial-gradient(600px 300px at 15% 0%, var(--glow-a), transparent 60%),
    radial-gradient(800px 400px at 90% 10%, var(--glow-b), transparent 60%);
}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px;position:relative;z-index:1}
a{color:inherit;text-decoration:none}

/* 헤더 */
.site-header{border-bottom:1px solid var(--line);position:sticky;top:0;background:var(--header-bg);backdrop-filter:blur(6px);z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{font-weight:800;font-size:18px;letter-spacing:-.02em}
.logo b{color:var(--mint)}
.nav-links{display:flex;gap:26px;font-size:14px;color:var(--muted)}
.nav-links a:hover{color:var(--txt)}
@media(max-width:640px){.nav-links{gap:14px;font-size:13px}}

/* 히어로 */
.hero{padding:60px 0 44px}
.kicker{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.12em;color:var(--mint);
  background:var(--mint-dim);border:1px solid rgba(45,255,158,.25);
  padding:6px 14px;border-radius:999px;margin-bottom:20px}
.hero h1{font-size:clamp(28px,4.6vw,46px);font-weight:800;letter-spacing:-.03em;line-height:1.3}
.hero h1 .num{color:var(--mint)}
.hero .lede{margin-top:14px;color:var(--muted);font-size:16px;max-width:600px}
.tickers{display:flex;gap:10px;margin-top:24px;flex-wrap:wrap}
.ticker{background:var(--card);border:1px solid var(--line);border-radius:12px;
  padding:9px 15px;font-size:13px;color:var(--muted)}
.ticker b{color:var(--txt);font-variant-numeric:tabular-nums}
.ticker .up{color:var(--mint)}

/* 섹션 */
.section{margin:48px 0}
.secttl{font-size:20px;font-weight:800;letter-spacing:-.02em;margin-bottom:6px}
.secttl small{display:block;font-size:13px;color:var(--muted);font-weight:400;margin-top:6px}

/* 카드/그리드 */
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media(max-width:820px){.grid2{grid-template-columns:1fr}}
.card{background:linear-gradient(180deg,var(--card2),var(--card));
  border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.card h2{font-size:18px;font-weight:700;margin-bottom:4px}
.card .sub{font-size:13px;color:var(--muted);margin-bottom:18px}
.cards4{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:8px}
@media(max-width:820px){.cards4{grid-template-columns:1fr 1fr}}
.mini{background:var(--card);border:1px solid var(--line);border-radius:16px;
  padding:20px;transition:transform .15s,border-color .15s;display:block}
.mini:hover{transform:translateY(-3px);border-color:rgba(45,255,158,.4)}
.mini .icon{font-size:22px;margin-bottom:10px}
.mini h3{font-size:15px;font-weight:700;margin-bottom:6px}
.mini p{font-size:12.5px;color:var(--muted);line-height:1.65}
.mini .go{margin-top:10px;font-size:12px;color:var(--mint);font-weight:700}

/* 폼 */
.field{margin-bottom:15px}
.field label{display:flex;justify-content:space-between;font-size:13px;color:var(--muted);margin-bottom:8px}
.field label output{color:var(--txt);font-weight:700;font-variant-numeric:tabular-nums}
input[type=range]{width:100%;accent-color:var(--mint);height:26px;cursor:pointer;background:transparent}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
select,input[type=number],input[type=text]{
  width:100%;background:var(--panel);border:1px solid var(--line);border-radius:10px;
  color:var(--txt);padding:11px 12px;font-size:14px;font-family:inherit;
}
select:focus,input:focus{outline:none;border-color:rgba(45,255,158,.5)}
.btn{display:inline-block;background:var(--mint);color:#06281a;font-weight:800;
  border:none;border-radius:12px;padding:13px 26px;font-size:15px;cursor:pointer;font-family:inherit}
.btn:hover{filter:brightness(1.08)}
.btn-ghost{background:transparent;color:var(--mint);border:1px solid rgba(45,255,158,.4)}

/* 결과 */
.result{margin-top:10px;background:var(--panel);border:1px solid rgba(45,255,158,.25);
  border-radius:14px;padding:20px}
.result .cap{font-size:12px;color:var(--muted);letter-spacing:.05em}
.result .big{font-size:clamp(30px,4vw,40px);font-weight:800;color:var(--mint);
  letter-spacing:-.02em;font-variant-numeric:tabular-nums;margin:6px 0 4px;line-height:1.2}
.result .note{font-size:12.5px;color:var(--faint);line-height:1.7}
.result.warn{border-color:rgba(255,107,107,.35)}
.result.warn .big{color:var(--red)}
.kv{display:flex;justify-content:space-between;font-size:13.5px;padding:7px 0;border-bottom:1px dashed var(--line)}
.kv:last-child{border-bottom:none}
.kv span:first-child{color:var(--muted)}
.kv span:last-child{font-weight:700;font-variant-numeric:tabular-nums}

/* 표 */
table.cmp{width:100%;border-collapse:collapse;font-size:14px}
table.cmp th,table.cmp td{padding:13px 12px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
table.cmp th{color:var(--faint);font-weight:600;font-size:12px;letter-spacing:.04em;white-space:nowrap}
table.cmp td b{color:var(--mint);font-variant-numeric:tabular-nums}
.tbl-wrap{overflow-x:auto;background:var(--card);border:1px solid var(--line);border-radius:16px;padding:6px 14px}
.tbl-wrap table.cmp{margin:0}

/* 가이드 본문 */
.article{max-width:760px}
.article h2{font-size:21px;margin:32px 0 12px;letter-spacing:-.02em}
.article h3{font-size:17px;margin:24px 0 10px;color:var(--mint)}
.article p{color:#c6cde8;margin:0 0 14px;font-size:15.5px;line-height:1.85}
.article ul,.article ol{margin:0 0 16px 20px;color:#c6cde8;font-size:15px;line-height:1.9}
.article li{margin-bottom:6px}
.article .box{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:18px 20px;margin:18px 0;font-size:14.5px}
.article .box b{color:var(--mint)}
.updated{font-size:12.5px;color:var(--faint);margin-bottom:8px}
.breadcrumb{font-size:12.5px;color:var(--faint);margin:26px 0 6px}
.breadcrumb a{color:var(--muted)} .breadcrumb a:hover{color:var(--mint)}
.faq{margin-top:30px}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:12px;margin-bottom:10px;padding:15px 18px}
.faq summary{cursor:pointer;font-weight:700;font-size:15px}
.faq details p{margin:10px 0 0;font-size:14px;color:var(--muted)}

/* 광고 슬롯 */
.ad-slot{margin:28px 0;text-align:center}
.ad-slot .ph{background:var(--ad-bg);border:1px dashed var(--line);
  border-radius:12px;color:var(--faint);font-size:12px;padding:26px 12px;letter-spacing:.08em}

/* 푸터 */
.site-footer{border-top:1px solid var(--line);padding:30px 0 56px;color:var(--faint);font-size:12.5px;line-height:1.9;margin-top:40px}
.site-footer .flinks{display:flex;gap:18px;margin-bottom:12px;flex-wrap:wrap}
.site-footer .flinks a{color:var(--muted)} .site-footer .flinks a:hover{color:var(--mint)}
.disclaimer{background:rgba(255,194,75,.06);border:1px solid rgba(255,194,75,.25);
  border-radius:12px;padding:14px 18px;font-size:12.5px;color:var(--warn-txt);margin:24px 0;line-height:1.8}
.disclaimer b{color:var(--amber)}

/* 진단 결과 뱃지 */
.badge{display:inline-block;font-size:12px;font-weight:700;padding:4px 12px;border-radius:999px;margin-right:6px}
.badge.ok{background:var(--mint-dim);color:var(--mint);border:1px solid rgba(45,255,158,.35)}
.badge.no{background:rgba(255,107,107,.1);color:var(--red);border:1px solid rgba(255,107,107,.35)}
.badge.info{background:rgba(139,123,255,.12);color:var(--violet);border:1px solid rgba(139,123,255,.35)}

/* ---- 풀블리드 계산기 밴드 ---- */
.band{padding:56px 0;border-top:1px solid var(--line)}
.band.alt{background:var(--band-alt)}
.band-inner{display:grid;grid-template-columns:1.05fr .95fr;gap:36px;align-items:start;max-width:1080px}
@media(max-width:860px){.band-inner{grid-template-columns:1fr;gap:20px}.band{padding:36px 0}}
.band h2{font-size:23px;font-weight:800;letter-spacing:-.02em;margin-bottom:6px}
.band h2 .k{display:inline-block;font-size:11px;font-weight:700;color:var(--mint);background:var(--mint-dim);
  border:1px solid rgba(45,255,158,.25);border-radius:999px;padding:3px 10px;margin-bottom:10px;letter-spacing:.1em}
.band .sub{color:var(--muted);font-size:14px;margin-bottom:24px;line-height:1.7}
.band .sub a{color:var(--mint)}

/* ---- 테이블 모바일 카드형 ---- */
@media(max-width:640px){
  .tbl-wrap{background:none;border:none;padding:0;overflow:visible}
  table.cmp,table.cmp tbody{display:block;width:100%}
  table.cmp tr{display:block;background:var(--card);border:1px solid var(--line);
    border-radius:16px;padding:8px 18px;margin-bottom:14px}
  table.cmp tr:first-child{display:none}
  table.cmp th,table.cmp td{display:block;border-bottom:1px dashed var(--line);
    padding:11px 0;text-align:right;font-size:14px}
  table.cmp td:last-child{border-bottom:none}
  table.cmp td::before{content:attr(data-label);float:left;color:var(--faint);
    font-size:12px;text-align:left;padding-top:2px;max-width:45%}
  table.cmp td:first-child{text-align:left;font-weight:800;font-size:15px;color:var(--txt)}
  table.cmp td:first-child::before{display:none}
  table.cmp td small{display:block;margin-top:4px}
}

/* ---- 이메일 복사 방지 ---- */
.email-lock{user-select:none;-webkit-user-select:none;-moz-user-select:none;cursor:default;color:var(--mint);font-weight:600}
.email-lock::selection{background:transparent}

/* ---- 박스 강조 (계산 공식 등) ---- */
.article .box{
  background:rgba(45,255,158,.06);
  border:1px solid rgba(45,255,158,.28);
  border-left:4px solid var(--mint);
  border-radius:0 14px 14px 0;
  padding:20px 22px;
}
.article .box b{color:var(--mint)}

/* ---- 본문 가독성 ---- */
.article p,.article ul,.article ol{color:var(--body-txt)}

/* ---- 테이블 헤더 강조 ---- */
table.cmp tr:first-child{background:rgba(45,255,158,.13)}
table.cmp tr:first-child th{color:var(--mint);font-weight:800;font-size:13px;border-bottom:2px solid rgba(45,255,158,.4)}
table.cmp td small{color:#9aa3c7}
@media(max-width:640px){
  table.cmp td::before{color:#9aa3c7;font-weight:600}
  table.cmp td:first-child{color:var(--mint)}
}

/* ---- 라이트 모드 결과 노트 대비 ---- */
[data-theme="light"] .result .note{color:#66708a}

/* ---- 테마 토글 ---- */
.theme-toggle{background:var(--card);border:1px solid var(--line);border-radius:999px;
  width:38px;height:38px;display:inline-flex;align-items:center;justify-content:center;
  cursor:pointer;color:var(--txt);flex:none;padding:0}
.theme-toggle:hover{border-color:var(--mint)}
.theme-toggle svg{width:18px;height:18px}
.nav{display:flex;align-items:center;justify-content:space-between;height:64px;gap:12px}
.nav-right{display:flex;align-items:center;gap:14px}

/* ---- 라이트모드 버튼 ---- */
[data-theme="light"] .btn{background:#007a48;color:#fff}
[data-theme="light"] .btn:hover{filter:brightness(1.12)}

/* ---- 진단 결과 강조 ---- */
#pl-result{font-size:15px}
#pl-result .kv{font-size:15px;padding:10px 0}
.badge{font-size:12.5px;padding:5px 13px}
.badge.ok{background:var(--mint);color:#06281a;border:none;font-weight:800;font-size:13px;padding:7px 15px}
[data-theme="light"] .badge.ok{background:#007a48;color:#fff}


/* ---- 금액 단위 ---- */
.big output 
/* ---- 셀렉트 화살표 ---- */
select{appearance:none;-webkit-appearance:none;padding-right:36px !important;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%238b94b8' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 13px center;background-size:15px}

/* ---- 진단결과 간격 ---- */
#pl-result .kv{align-items:flex-start;gap:12px}
#pl-result .kv > span:first-child{line-height:1.5}
#pl-result .kv small{display:inline-block;margin-top:5px;line-height:1.6}