/* ===== PB 세무가이드 ===== */
:root {
  --navy: #0b1f3f;
  --navy-2: #14294f;
  --navy-3: #1e3a6e;
  --gold: #c8a04b;
  --gold-light: #e6c887;
  --ink: #1c2536;
  --ink-soft: #5a6579;
  --line: #e3e7ef;
  --bg: #ffffff;
  --bg-soft: #f5f7fb;
  --ok: #1d7a4f;
  --radius: 14px;
  --shadow: 0 6px 24px rgba(11, 31, 63, 0.08);
  --font-serif: "Noto Serif KR", "Nanum Myeongjo", "Batang", serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; scroll-padding-top: 76px; }

/* 가로 흔들림·좌우 스크롤 원천 차단 */
html, body { max-width: 100%; overflow-x: hidden; }

body {
  font-family: "Pretendard Variable", "Pretendard", "Malgun Gothic", "Apple SD Gothic Neo", -apple-system, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  word-break: keep-all;
}

/* 이미지·미디어가 뷰포트를 넘지 않도록 */
img, svg, table, video { max-width: 100%; }

.container { max-width: 1080px; margin: 0 auto; padding: 0 20px; }

/* 접근성: 스킵 링크 + 키보드 포커스 표시 */
.skip-link {
  position: absolute; top: -48px; left: 12px; z-index: 200;
  padding: 10px 18px; background: var(--gold); color: var(--navy);
  font-weight: 800; font-size: 14px; border-radius: 0 0 10px 10px;
  text-decoration: none; transition: top .15s ease;
}
.skip-link:focus { top: 0; }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 3px solid var(--gold); outline-offset: 2px;
}

/* ===== Header ===== */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(11, 31, 63, 0.97);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid rgba(200, 160, 75, 0.35);
  transition: box-shadow .2s ease;
}
.site-header.scrolled { box-shadow: 0 4px 18px rgba(4, 12, 28, 0.45); }
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 64px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.brand-mark {
  display: inline-flex; align-items: center; justify-content: center;
  width: 38px; height: 38px; border-radius: 9px;
  background: linear-gradient(135deg, var(--gold), #a87f2f);
  color: var(--navy); font-weight: 800; font-size: 15px; letter-spacing: 0.5px;
}
.brand-text { color: #fff; font-weight: 700; font-size: 17px; line-height: 1.15; display: flex; flex-direction: column; }
.brand-text small { font-size: 10px; font-weight: 400; color: var(--gold-light); letter-spacing: 1px; }
.main-nav { display: flex; align-items: center; gap: 22px; }
.main-nav a { color: #dfe6f2; text-decoration: none; font-size: 14.5px; font-weight: 500; }
.main-nav a:hover { color: var(--gold-light); }
.nav-cta {
  padding: 8px 16px; border-radius: 999px;
  background: var(--gold); color: var(--navy) !important; font-weight: 700 !important;
}
.nav-cta:hover { background: var(--gold-light); }
.nav-toggle { display: none; background: none; border: none; color: #fff; font-size: 24px; cursor: pointer; }

/* ===== 앱형 화면 전환 (JS 미동작 시에는 전체 페이지 표시 — 빈 화면 방지) ===== */
html.js main > section { display: none; }
html.js main > section.view-active { display: block; animation: viewIn .22s ease; }
@keyframes viewIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
.view-back {
  display: inline-block; margin-bottom: 16px;
  font-size: 13.5px; font-weight: 700; color: var(--ink-soft); text-decoration: none;
}
.view-back:hover { color: var(--navy); }
.section-dark .view-back { color: #b9c6dd; }
.section-dark .view-back:hover { color: var(--gold-light); }
.main-nav a.active { color: var(--gold-light); }

/* 홈 메뉴 트리 */
.menu-tree { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; margin: 6px 0 30px; }
.menu-card {
  display: flex; align-items: center; gap: 14px;
  padding: 15px 18px; text-decoration: none; color: #fff;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.14); border-radius: 12px;
  transition: border-color .15s ease, background .15s ease;
}
.menu-card:hover { border-color: var(--gold-light); background: rgba(255,255,255,0.1); }
.menu-card svg { width: 22px; height: 22px; color: var(--gold-light); flex-shrink: 0; }
.menu-card strong { display: block; font-size: 15px; }
.menu-card .desc { display: block; font-size: 12px; color: #9fb0cd; margin-top: 2px; }
.menu-card .chev { margin-left: auto; color: var(--gold-light); font-size: 19px; font-weight: 400; }

/* ===== Hero ===== */
.hero {
  background:
    radial-gradient(1000px 500px at 85% -10%, rgba(200,160,75,0.22), transparent 60%),
    linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 55%, var(--navy-3) 100%);
  color: #fff;
  padding: 84px 0 64px;
}
.hero-eyebrow { color: var(--gold-light); font-weight: 600; letter-spacing: 2px; font-size: 13px; margin-bottom: 14px; }
.hero h1 { font-family: var(--font-serif); font-size: clamp(30px, 5vw, 46px); line-height: 1.3; font-weight: 800; margin-bottom: 18px; letter-spacing: -0.5px; }
.hero-sub { max-width: 620px; color: #c9d3e6; font-size: 16.5px; margin-bottom: 30px; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 40px; }

/* 신뢰 스트립 (공신력 강조) */
.trust-strip {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px;
  padding: 18px 0; margin-bottom: 26px;
  border-top: 1px solid rgba(200,160,75,0.4);
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.trust-item {
  padding-left: 13px; border-left: 2px solid var(--gold);
  font-size: 13.5px; font-weight: 700; color: #eef2f9;
}
.trust-item small { display: block; font-size: 11.5px; font-weight: 400; color: #9fb0cd; margin-top: 3px; line-height: 1.45; }

.hero-cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.hero-card {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(200,160,75,0.35);
  border-radius: var(--radius);
  padding: 18px 16px;
}
.hero-card-num { display: block; font-size: 22px; font-weight: 800; color: var(--gold-light); margin-bottom: 6px; }
.hero-card-label { font-size: 12.5px; color: #c9d3e6; line-height: 1.45; }

/* ===== Buttons ===== */
.btn {
  display: inline-block; padding: 13px 26px; border-radius: 10px;
  font-size: 15.5px; font-weight: 700; text-decoration: none; cursor: pointer;
  border: none; transition: transform .12s ease, box-shadow .12s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--navy); color: #fff; }
.btn-primary:hover { background: var(--navy-3); }
.hero .btn-primary { background: var(--gold); color: var(--navy); }
.hero .btn-primary:hover { background: var(--gold-light); }
.btn-outline { background: transparent; color: #fff; border: 1.5px solid rgba(255,255,255,0.55); }
.btn-outline:hover { border-color: var(--gold-light); color: var(--gold-light); }
.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { background: var(--gold-light); }
.btn-block { width: 100%; margin-top: 6px; }

/* ===== Sections ===== */
.section { padding: 72px 0; }
.section-alt { background: var(--bg-soft); }
.section-dark {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
  color: #e8edf7;
}
.section-title {
  font-family: var(--font-serif);
  font-size: clamp(23px, 3.4vw, 30px); font-weight: 800; margin-bottom: 12px;
  display: flex; align-items: center; gap: 12px; letter-spacing: -0.3px;
}
.section-title.light { color: #fff; }
.section-no {
  font-size: 13px; font-weight: 700; color: var(--gold);
  border: 1.5px solid var(--gold); border-radius: 999px; padding: 3px 12px;
}
.section-desc { color: var(--ink-soft); max-width: 720px; margin-bottom: 34px; font-size: 15.5px; }
.section-desc.light { color: #b9c6dd; }

/* ===== Cards ===== */
.card {
  background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); box-shadow: var(--shadow); padding: 26px;
}

/* ===== Calculator ===== */
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; align-items: start; }
/* grid 아이템 기본 min-width:auto가 자식 최소폭만큼 컬럼을 늘려 가로 넘침을 만든다 → 축소 허용 */
.calc-form, .calc-result { min-width: 0; }

.field { margin-bottom: 18px; }
.field label { display: block; font-weight: 700; font-size: 14px; margin-bottom: 7px; }
.field input[type="text"], .field input[type="tel"], .field select, .field textarea {
  width: 100%; padding: 12px 14px; font-size: 15.5px;
  border: 1.5px solid var(--line); border-radius: 10px;
  font-family: inherit; color: var(--ink); background: #fff;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(200,160,75,0.18);
}
.field-hint { display: block; font-size: 13.5px; color: var(--ink-soft); margin-top: 5px; min-height: 18px; }
.field-check label { display: flex; align-items: flex-start; gap: 9px; font-weight: 600; font-size: 14px; cursor: pointer; }
.field-check input { margin-top: 3px; accent-color: var(--gold); width: 16px; height: 16px; }

/* 시나리오 프리셋 칩 (모바일: 가로 스크롤 캐러셀) */
.preset-row { margin-bottom: 14px; }
.preset-label { display: block; font-size: 12.5px; font-weight: 700; color: var(--ink-soft); margin-bottom: 8px; letter-spacing: 0.3px; }
.preset-btns { display: flex; gap: 8px; flex-wrap: wrap; }
.preset-btn {
  padding: 9px 14px; font-size: 13px; font-weight: 700; font-family: inherit;
  color: var(--navy); background: #fff;
  border: 1.5px solid var(--line); border-radius: 999px; cursor: pointer;
  min-height: 38px; white-space: nowrap; transition: all .15s ease;
}
.preset-btn:hover { border-color: var(--gold); background: #fdf8ee; }
.preset-btn.active { background: var(--navy); border-color: var(--navy); color: #fff; }

/* 용어 ? 툴팁 (터치 타깃 확대 — 손 떨림이 있는 사용자도 정확히 누르도록) */
.term-info {
  display: inline-flex; align-items: center; justify-content: center;
  width: 24px; height: 24px; margin-left: 3px; vertical-align: -6px;
  font-size: 13px; font-weight: 800; font-family: inherit;
  color: var(--gold); background: transparent;
  border: 1.5px solid var(--gold); border-radius: 50%; cursor: pointer; padding: 0;
}
.term-info-dark { color: var(--gold-light); border-color: var(--gold-light); }
.term-tip {
  display: block; margin-top: 7px; padding: 12px 14px;
  font-size: 14px; font-weight: 500; line-height: 1.65; color: var(--ink);
  background: #fdf8ee; border: 1px solid var(--gold-light); border-radius: 9px;
  white-space: normal; text-align: left;
}
th .term-tip { color: var(--ink); font-weight: 500; }

/* 사별·상속 상황 배려 안내 */
.care-note {
  margin: -8px 0 20px; padding: 15px 18px;
  background: var(--bg-soft); border-left: 3px solid var(--gold); border-radius: 0 10px 10px 0;
  font-size: 14.5px; line-height: 1.75; color: var(--ink);
}
.section-alt .care-note { background: #fff; }

.first-check { margin-bottom: 26px; }
.first-check h3 { font-size: 16px; color: var(--navy); margin-bottom: 12px; }
.first-check ul { list-style: none; margin-bottom: 16px; }
.first-check li {
  position: relative; padding-left: 16px; margin-bottom: 9px;
  font-size: 14.5px; line-height: 1.65; color: var(--ink);
}
.first-check li::before {
  content: ""; position: absolute; left: 0; top: 8px;
  width: 5px; height: 5px; border-radius: 50%; background: var(--gold);
}
.first-check-tel {
  display: inline-flex; align-items: center; gap: 9px;
  padding: 12px 20px; font-size: 15px; font-weight: 700;
  color: var(--navy); background: #fdf8ee;
  border: 1.5px solid var(--gold-light); border-radius: 10px; text-decoration: none;
}
.first-check-tel svg { width: 18px; height: 18px; flex-shrink: 0; }
.first-check-tel:hover { background: #fbf0d9; }

/* 상담폼 개인정보 안심 문구 */
.privacy-assure { margin: -6px 0 14px; font-size: 13px; line-height: 1.65; color: var(--ink-soft); }

/* 전 화면 공통 전화 상담 버튼 (막혔을 때 언제든 사람에게 닿는 경로) */
.call-fab {
  position: fixed; right: 18px; bottom: 24px; z-index: 130;
  display: flex; align-items: center; gap: 8px;
  padding: 13px 20px; background: var(--navy); color: #fff;
  border: 1.5px solid var(--gold); border-radius: 999px; text-decoration: none;
  font-size: 14.5px; font-weight: 700;
  box-shadow: 0 8px 22px rgba(11,31,63,0.35);
}
.call-fab svg { width: 18px; height: 18px; flex-shrink: 0; }
.call-fab:hover { background: var(--navy-3); }

/* 예시/초기화 도구 버튼 */
.form-tools { display: flex; justify-content: flex-end; gap: 8px; margin-bottom: 14px; }
.tool-btn {
  padding: 8px 14px; font-size: 13px; font-weight: 700; font-family: inherit;
  color: var(--navy); background: var(--bg-soft);
  border: 1.5px solid var(--line); border-radius: 999px; cursor: pointer;
  min-height: 36px;
}
.tool-btn:hover { border-color: var(--gold); background: #fdf8ee; }
.tool-btn.tool-reset { color: var(--ink-soft); }

/* 금액 입력: 숫자 우측 정렬 + 한글 금액 라벨 */
.field input[inputmode="numeric"] { text-align: right; font-variant-numeric: tabular-nums; }
.won-label {
  display: block; text-align: right; font-size: 13px; font-weight: 700;
  color: var(--gold); min-height: 18px; margin-top: 4px;
}

/* 금액 퀵입력 버튼 */
.quick-btns { display: flex; flex-wrap: wrap; gap: 7px; margin-top: 9px; }
.quick-btns button {
  padding: 8px 13px; font-size: 13.5px; font-weight: 700; font-family: inherit;
  color: var(--navy); background: #fff;
  border: 1.5px solid var(--line); border-radius: 999px; cursor: pointer;
  min-height: 38px;
}
.quick-btns button:active { background: var(--gold-light); border-color: var(--gold); }
.quick-btns .quick-clear { color: #b0413e; }

.result-placeholder {
  min-height: 260px; display: flex; align-items: center; justify-content: center;
  text-align: center; color: var(--ink-soft);
}
.result-head { font-size: 14px; font-weight: 700; color: var(--ink-soft); margin-bottom: 4px; }
.result-total { font-family: var(--font-serif); font-size: 34px; font-weight: 800; color: var(--navy); margin-bottom: 2px; font-variant-numeric: tabular-nums; }
.result-total small { font-size: 15px; color: var(--ink-soft); font-weight: 500; }
.result-effective { font-size: 13px; color: var(--ok); font-weight: 600; margin-bottom: 18px; }

/* 세후/세금 구성 스택바 */
.comp-wrap { margin: 4px 0 18px; }
.rate-badge {
  display: inline-block; margin-bottom: 9px;
  padding: 4px 12px; font-size: 12px; font-weight: 800;
  color: #8a6415; background: #fdf3dd;
  border: 1px solid var(--gold-light); border-radius: 999px;
}
.comp-bar {
  display: flex; height: 22px; border-radius: 999px; overflow: hidden;
  background: var(--bg-soft); border: 1px solid var(--line);
}
.comp-net { background: linear-gradient(90deg, var(--navy-3), var(--navy)); }
.comp-tax { background: linear-gradient(90deg, #c8654f, #b0413e); }
.comp-legend { display: flex; justify-content: space-between; gap: 8px; margin-top: 7px; flex-wrap: wrap; }
.comp-legend .lg { font-size: 12px; font-weight: 700; display: inline-flex; align-items: center; gap: 5px; }
.comp-legend .lg::before { content: ""; width: 9px; height: 9px; border-radius: 3px; }
.lg-net { color: var(--navy); }
.lg-net::before { background: var(--navy); }
.lg-tax { color: #b0413e; }
.lg-tax::before { background: #b0413e; }

.legal-note { margin-top: 12px; font-size: 13px; color: var(--ink-soft); text-align: center; }
.care-line { font-size: 13.5px; color: var(--ink-soft); margin: -4px 0 10px; line-height: 1.6; }

.result-rows { border-top: 2px solid var(--navy); }
.result-rows .row {
  display: flex; justify-content: space-between; gap: 12px;
  padding: 9px 2px; border-bottom: 1px solid var(--line); font-size: 14px;
}
.result-rows .row span:first-child { color: var(--ink-soft); }
.result-rows .row span:last-child { font-weight: 700; font-variant-numeric: tabular-nums; }
.result-rows .row.minus span:last-child { color: #b0413e; }
.result-rows .row.total { background: var(--bg-soft); font-size: 15px; }
.result-rows .row.total span { color: var(--navy) !important; font-weight: 800; }
.insight {
  margin-top: 16px; padding: 13px 15px; font-size: 13.5px; line-height: 1.65;
  background: #fdf8ee; border: 1px solid var(--gold-light); border-radius: 10px;
  color: var(--ink);
}
.insight strong { color: #8a6415; }
.insight-label {
  display: inline-block; margin-right: 7px; padding: 2px 9px;
  font-size: 10.5px; font-weight: 800; letter-spacing: 1px;
  color: #8a6415; border: 1px solid var(--gold-light); border-radius: 999px;
  vertical-align: 1px;
}
.contact-k { font-weight: 800; color: var(--gold); margin-right: 3px; }

.result-actions { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 16px; }
.btn-share {
  display: block; width: 100%;
  background: var(--bg-soft); color: var(--navy);
  border: 1.5px solid var(--line); font-size: 14px; padding: 12px 8px;
}
.btn-share:hover { border-color: var(--gold); background: #fdf8ee; }
.result-cta { margin-top: 14px; text-align: center; }
.result-cta a { font-size: 14px; font-weight: 700; color: var(--navy); }

.calc-note { margin-top: 22px; font-size: 13px; color: var(--ink-soft); background: var(--bg-soft); border-left: 3px solid var(--gold); padding: 12px 16px; border-radius: 0 8px 8px 0; }
.section-alt .calc-note { background: #fff; }

/* ===== Rate table ===== */
/* 세율 구간 시각화 바 */
.bracket-bar { display: flex; gap: 3px; margin-bottom: 22px; }
.bb-seg {
  flex: 1; min-width: 0; padding: 10px 6px 8px; text-align: center;
  border-radius: 8px; color: #fff;
}
.bb-seg span { display: block; font-weight: 800; font-size: 15.5px; }
.bb-seg small { display: block; font-size: 11px; opacity: 0.85; margin-top: 2px; white-space: nowrap; }
.bb1 { background: #34558b; }
.bb2 { background: #2c4677; }
.bb3 { background: #1e3a6e; }
.bb4 { background: #55355c; }
.bb5 { background: #8c3a44; }

.table-wrap { overflow-x: auto; margin-bottom: 30px; }
.rate-table { width: 100%; border-collapse: collapse; box-shadow: var(--shadow); border-radius: var(--radius); overflow: hidden; }
.rate-table th { background: var(--navy); color: #fff; padding: 14px; font-size: 14.5px; text-align: left; }
.rate-table td { padding: 13px 14px; border-bottom: 1px solid var(--line); font-size: 15px; background: #fff; }
.rate-table .td-rate { font-weight: 800; color: var(--navy); }
.rate-table tr:last-child td { border-bottom: none; }

.deduction-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.ded-card h3 { font-size: 16.5px; margin-bottom: 14px; color: var(--navy); }
.ded-card h3 small { font-size: 12px; color: var(--gold); font-weight: 600; margin-left: 6px; }
.ded-card ul { list-style: none; }
.ded-card ul li {
  display: flex; justify-content: space-between; gap: 10px;
  padding: 8px 0; border-bottom: 1px dashed var(--line); font-size: 14px;
}
.ded-card ul li span { color: var(--ink-soft); }
.ded-card ul li strong { color: var(--navy); white-space: nowrap; }
.ded-card .tip-list li { display: list-item; list-style: none; color: var(--ink); line-height: 1.55; }

/* ===== 절세 전략 ===== */
.save-filter { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 24px; }
.chip {
  padding: 9px 18px; font-size: 14px; font-weight: 700; font-family: inherit;
  color: var(--ink-soft); background: #fff;
  border: 1.5px solid var(--line); border-radius: 999px; cursor: pointer;
  min-height: 40px; transition: all .15s ease;
}
.chip:hover { border-color: var(--gold); color: var(--navy); }
.chip.active { background: var(--navy); border-color: var(--navy); color: #fff; }

.save-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.save-card { position: relative; padding: 24px 22px 18px; }
.save-card.hide { display: none; }
.save-card h3 { font-size: 16.5px; color: var(--navy); margin: 4px 0 10px; }
.save-card p { font-size: 14px; color: var(--ink); line-height: 1.7; }
.save-card p strong { color: var(--navy); }
.save-tag {
  display: inline-block; font-size: 11.5px; font-weight: 800; letter-spacing: 1px;
  padding: 3px 11px; border-radius: 999px; margin-bottom: 4px;
}
.tag-gift { background: #fdf3dd; color: #8a6415; border: 1px solid var(--gold-light); }
.tag-inherit { background: #e8eefb; color: var(--navy-3); border: 1px solid #c4d2ec; }
.save-caution {
  margin-top: 12px; padding-top: 10px; border-top: 1px dashed var(--line);
  font-size: 13.5px !important; color: var(--ink-soft) !important;
}

/* ===== 금융상품 ===== */
.prod-meta { font-size: 12.5px; color: var(--ink-soft); margin: -18px 0 22px; }
.prod-meta strong { color: var(--navy); }
.prod-fit { list-style: none; margin-top: 10px; }
.prod-fit li {
  position: relative; padding-left: 14px; font-size: 13px; color: var(--ink-soft);
  margin-bottom: 4px; line-height: 1.5;
}
.prod-fit li::before { content: ""; position: absolute; left: 0; top: 8px; width: 5px; height: 5px; border-radius: 50%; background: var(--gold); }
.prod-cta {
  display: inline-block; margin-top: 12px; font-size: 13.5px; font-weight: 700;
  color: var(--navy); text-decoration: none;
}
.prod-cta:hover { color: var(--gold); }
.reco-link {
  display: block; margin-top: 14px; padding: 12px 15px; text-align: center;
  font-size: 14px; font-weight: 700; color: var(--navy); text-decoration: none;
  background: #fdf8ee; border: 1.5px solid var(--gold-light); border-radius: 10px;
}
.reco-link:hover { background: #fbf0d9; }

/* ===== Timeline / Steps ===== */
.timeline-grid, .contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.timeline-card h3 { color: var(--navy); font-size: 19px; margin-bottom: 14px; padding-bottom: 10px; border-bottom: 2px solid var(--gold); }
.steps { padding-left: 20px; }
.steps li { margin-bottom: 10px; font-size: 14.5px; }
.steps li em { color: #b0413e; font-style: normal; font-weight: 700; }

/* ===== FAQ ===== */
.faq-list { display: flex; flex-direction: column; gap: 12px; }
.faq-item { padding: 0; overflow: hidden; }
.faq-item summary {
  padding: 18px 22px; font-weight: 700; font-size: 15.5px; cursor: pointer; list-style: none;
  display: flex; justify-content: space-between; align-items: center; gap: 12px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; font-size: 20px; color: var(--gold); font-weight: 400; flex-shrink: 0; }
.faq-item[open] summary::after { content: "−"; }
.faq-item[open] summary { color: var(--navy); }
.faq-item p { padding: 0 22px 20px; color: var(--ink-soft); font-size: 14.5px; }

/* ===== Contact ===== */
.contact-form .field label { color: var(--ink); }
.hidden-field { display: none; }
.form-success {
  margin-bottom: 18px; padding: 14px 16px; font-size: 14.5px; line-height: 1.6;
  background: #eaf6ef; border: 1.5px solid #9fd4b4; border-radius: 10px; color: #14532d;
}
.form-success strong { color: #14532d; }
.contact-info { display: flex; flex-direction: column; gap: 18px; }
.info-card h3 { color: var(--navy); font-size: 16.5px; margin-bottom: 10px; }
.info-name { font-weight: 800; font-size: 17px; margin-bottom: 6px; }
.info-name span { font-weight: 500; font-size: 13.5px; color: var(--ink-soft); }
.info-card p { font-size: 14.5px; color: var(--ink); }
.info-hours { color: var(--ink-soft) !important; font-size: 13px !important; margin-top: 8px; }
.tel-link { color: var(--navy); font-weight: 700; text-decoration: none; }
.tel-link:hover { color: var(--gold); }

/* 모바일 하단 고정 탭바 */
.mobile-tabbar {
  display: none;
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 120;
  grid-template-columns: repeat(6, 1fr);
  background: rgba(11, 31, 63, 0.98);
  border-top: 1px solid rgba(200, 160, 75, 0.4);
  padding-bottom: env(safe-area-inset-bottom);
}
.mobile-tabbar a {
  display: flex; flex-direction: column; align-items: center; gap: 4px;
  padding: 9px 2px 8px; text-decoration: none;
  color: #97a6c4; font-size: 11px; font-weight: 600;
}
.mobile-tabbar a svg { width: 20px; height: 20px; }
.mobile-tabbar a.active { color: var(--gold-light); }

/* ===== Footer ===== */
.site-footer { background: #081428; color: #8d9bb5; padding: 36px 0; }
.footer-disclaimer { font-size: 13px; line-height: 1.7; max-width: 860px; margin-bottom: 14px; }
.footer-disclaimer strong { color: var(--gold-light); }
.footer-copy { font-size: 12px; color: #5f6d88; }

/* ===== 인쇄 (상담 지참·PDF 저장용) ===== */
@media print {
  .site-header, .mobile-tabbar, .nav-toggle, .quick-btns, .form-tools,
  .hero-actions, .btn, .result-actions, .result-cta, .save-filter,
  .contact-form, .hero-cards, .preset-row, .term-info, .trust-strip,
  .menu-tree, .view-back, .reco-link, .prod-cta, .call-fab, .first-check-tel { display: none !important; }
  body { padding-bottom: 0; }
  .hero { background: #fff; color: #000; padding: 20px 0; }
  .hero-sub, .hero-eyebrow { color: #444; }
  .section, .section-alt, .section-dark { background: #fff; color: #000; padding: 18px 0; }
  .section-title.light, .section-desc.light { color: #000; }
  .card { box-shadow: none; break-inside: avoid; }
  .calc-grid { grid-template-columns: 1fr; }
  .site-footer { background: #fff; color: #333; }
  .footer-disclaimer strong { color: #000; }
}

/* ===== Responsive ===== */
@media (max-width: 860px) {
  body { padding-bottom: calc(62px + env(safe-area-inset-bottom)); }
  html { scroll-padding-top: 72px; }
  .mobile-tabbar { display: grid; }
  .section { padding: 52px 0; }
  .hero { padding: 56px 0 44px; }
  .card { padding: 20px 16px; }
  /* iOS 자동 확대 방지: 입력 폰트 16px 이상 */
  .field input[type="text"], .field input[type="tel"], .field select, .field textarea {
    font-size: 16px; padding: 13px 14px;
  }
  .btn { padding: 15px 26px; }
  .result-total { font-size: 29px; }
  .hero-cards { grid-template-columns: repeat(2, 1fr); }
  .calc-grid, .timeline-grid, .contact-grid { grid-template-columns: 1fr; }
  .deduction-grid, .save-grid { grid-template-columns: 1fr; }
  .trust-strip { grid-template-columns: 1fr; gap: 12px; padding: 16px 0; }
  .menu-tree { grid-template-columns: 1fr; }
  .bb-seg span { font-size: 13px; }
  .bb-seg small { font-size: 9.5px; }
  /* 프리셋 칩: 좌우 스크롤 없이 여러 줄로 접힘 (세로 스크롤만) */
  .preset-btns { flex-wrap: wrap; }
  .preset-btn { white-space: normal; flex: 1 1 calc(50% - 4px); }
  /* 전화 버튼: 하단 탭바(약 62px) 위로 띄워 겹치지 않게 */
  .call-fab { bottom: calc(78px + env(safe-area-inset-bottom)); right: 14px; padding: 12px 16px; font-size: 13.5px; }
  .call-fab svg { width: 17px; height: 17px; }
  .first-check-tel { width: 100%; justify-content: center; }
  .main-nav {
    display: none; position: absolute; top: 64px; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 0;
    background: var(--navy); border-bottom: 1px solid rgba(200,160,75,0.35);
  }
  .main-nav.open { display: flex; }
  .main-nav a { padding: 14px 22px; border-top: 1px solid rgba(255,255,255,0.08); }
  .nav-cta { border-radius: 0; text-align: center; }
  .nav-toggle { display: block; }
}