/* 세이브본드 원페이지 스타일
   - 색 토큰은 :root에서 관리(브랜드 블루 #3F71E3 · 네이비 #0E1A3A · 앰버 #FFC23D)
   - 앰버는 핵심 금액·버튼 전용, 브랜드 블루는 로고·제도·데이터 전용
   - .hero--grid: 최종 히어로(로고 그리드 여백형) */
/* ===== 디자인 토큰 ===== */
:root{--paper:#FFFFFF; --paper-2:#F2F4F8; --ink:#0E1A3A; --text:#2E3850; --muted:#5D677C; --line:#D9DEE8;
  --blue:#3F71E3; --blue-ink:#1F3F9E; --on-blue:#FFFFFF;
  --b6:#EEF2FD; --b15:#DCE5FA; --b24:#C3D3F6; --b35:#9DB6F0; --b38:#739AEA; --b40:#3F71E3; --b42:#2F5BC7; --b45:#23479F;
  --hatch:#0E1A3A; --veil:rgba(255,255,255,.62);
  --todo-bg:#FFF1B8; --todo-ink:#5A4300; --error:#B42318; --band:#0F1D3A; --accent:#FFC23D; --accent-ink:#14213D; --hl:#FFE17A; --hl-soft:#FFF5D3; --deep:#0F1D3A; --grid:#E1E7F3;
  --font:"IBM Plex Sans KR","Apple SD Gothic Neo","Malgun Gothic","Noto Sans KR",sans-serif;
  --wrap:1120px; --header-h:64px;
  box-sizing:border-box;
  padding-top:env(safe-area-inset-top,0px);
  padding-bottom:env(safe-area-inset-bottom,0px);}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){--paper:#0B1222; --paper-2:#121B30; --ink:#EEF2FA; --text:#C9D1E2; --muted:#8E99B0; --line:#26314A;
    --blue:#6E95F2; --blue-ink:#A9C0F7; --on-blue:#0B1222;
    --b6:#18213A; --b15:#1D2A4C; --b24:#24365F; --b35:#2C4478; --b38:#365594; --b40:#4A72D6; --b42:#5A82E4; --b45:#6E95F2;
    --hatch:#EEF2FA; --veil:rgba(11,18,34,.6);
    --todo-bg:#4A3A00; --todo-ink:#FFE38A; --error:#FF8A80; --band:#0A1428; --accent:#FFC23D; --accent-ink:#14213D; --hl:rgba(255,194,61,.42); --hl-soft:rgba(255,194,61,.12); --deep:#050B18; --grid:rgba(255,255,255,.06);}
}
:root[data-theme="dark"]{--paper:#0B1222; --paper-2:#121B30; --ink:#EEF2FA; --text:#C9D1E2; --muted:#8E99B0; --line:#26314A;
  --blue:#6E95F2; --blue-ink:#A9C0F7; --on-blue:#0B1222;
  --b6:#18213A; --b15:#1D2A4C; --b24:#24365F; --b35:#2C4478; --b38:#365594; --b40:#4A72D6; --b42:#5A82E4; --b45:#6E95F2;
  --hatch:#EEF2FA; --veil:rgba(11,18,34,.6);
  --todo-bg:#4A3A00; --todo-ink:#FFE38A; --error:#FF8A80; --band:#0A1428; --accent:#FFC23D; --accent-ink:#14213D; --hl:rgba(255,194,61,.42); --hl-soft:rgba(255,194,61,.12); --deep:#050B18; --grid:rgba(255,255,255,.06);}
/* ===== 기본 ===== */
*,*::before,*::after{box-sizing:inherit}
html{scroll-behavior:smooth;scroll-padding-top:calc(env(safe-area-inset-top,0px) + var(--header-h) + 16px);-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--text);font-family:var(--font);font-size:17px;line-height:1.7;word-break:keep-all;overflow-wrap:break-word}
img{max-width:100%;display:block}
a{color:var(--blue-ink)}
:focus-visible{outline:3px solid var(--blue);outline-offset:3px;border-radius:4px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.num{font-variant-numeric:tabular-nums}
.todo{background:var(--todo-bg);color:var(--todo-ink);padding:0 4px;border-radius:3px}
/* ===== 헤더 ===== */
.site-header{position:sticky;top:env(safe-area-inset-top,0px);z-index:10;background:var(--paper);border-bottom:1px solid transparent;transition:border-color .2s}
.site-header.is-scrolled{border-bottom-color:var(--line)}
.site-header .wrap{height:var(--header-h);display:flex;align-items:center;gap:32px}
.brand{display:block;flex:none}
.nav{display:flex;gap:28px;margin-left:auto}
.nav a{color:var(--text);text-decoration:none;font-size:15px;font-weight:500}
.nav a:hover{color:var(--ink)}
.btn{display:inline-flex;align-items:center;justify-content:center;font:inherit;font-weight:600;text-decoration:none;border-radius:12px;cursor:pointer;white-space:nowrap}
.btn-primary{background:var(--accent);color:var(--accent-ink);height:54px;padding:0 26px;font-size:17px;border:0}
.btn-primary:hover{filter:brightness(1.06)}
.btn-quiet{border:1px solid var(--line);color:var(--ink);height:40px;padding:0 16px;font-size:15px;background:transparent}
.btn-quiet:hover{border-color:var(--ink)}
/* ===== 히어로 ===== */
.hero{padding:72px 0 56px}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);grid-template-areas:'copy sheet' 'cta sheet';column-gap:56px;align-items:center}
.hero-copy{grid-area:copy;align-self:end}
.hero-cta{grid-area:cta;align-self:start}
.hero-grid .receipt{grid-area:sheet}
.hero h1{color:var(--ink);font-size:clamp(30px,4.1vw,50px);line-height:1.28;letter-spacing:-.025em;font-weight:600;margin:8px 0 22px;max-width:15em}
.hero .lede{font-size:18px;color:var(--text);max-width:34em;margin:0 0 32px}
.hero .lede strong{color:var(--ink);font-weight:600}
.stack-area{display:grid;grid-template-columns:104px minmax(0,1fr);gap:16px;height:340px}
.stack{position:relative;display:flex;flex-direction:column-reverse;border-radius:6px;overflow:hidden;background:var(--paper)}
.band{transform-origin:bottom;flex:none}
.cut{position:absolute;left:0;right:0;top:0;border-bottom:2px solid var(--hatch)}
.cut::before{content:"";position:absolute;inset:0;background:var(--veil)}
.cut::after{content:"";position:absolute;inset:0;background:repeating-linear-gradient(135deg,var(--hatch) 0 1.2px,transparent 1.2px 7px);opacity:.55}
.labels{position:relative}
.lab{position:absolute;left:0;transform:translateY(50%);font-size:13px;line-height:1.3;color:var(--muted);white-space:nowrap}
.lab b{color:var(--ink);font-weight:600;margin-right:6px}
.lab-cut{position:absolute;left:-10px;padding-left:12px;border-left:2px solid var(--hatch);display:flex;flex-direction:column;justify-content:center;font-size:13px;line-height:1.4;color:var(--ink)}
.lab-cut b{font-weight:600}
/* ===== 제도 안내 섹션 ===== */
.sr-only{position:absolute;width:1px;height:1px;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.sec{padding:76px 0}
.sec.alt{background:var(--paper-2)}
.sec-head{margin-bottom:40px}
.sec-head h2{color:var(--ink);font-size:clamp(26px,3vw,36px);line-height:1.32;letter-spacing:-.02em;font-weight:600;margin:0 0 14px;max-width:21em}
.sec-head p{margin:0;max-width:38em}
.src{font-size:13px;line-height:1.6;color:var(--muted);margin:22px 0 0;max-width:60em}
@media (max-width:700px){
  .sec{padding:56px 0}
  .sec-head{margin-bottom:28px}
}
/* ===== 개조식 항목 / 비교표 ===== */
.tag{display:inline-block;font-size:12px;font-weight:700;color:var(--accent-ink);background:var(--accent);border-radius:6px;padding:2px 8px;margin-left:8px;vertical-align:middle}
.notes{margin:22px 0 0;padding-left:18px;font-size:13px;line-height:1.7;color:var(--muted);max-width:62em}
/* ===== 진행 절차 · FAQ · 문의 ===== */
.faq{max-width:820px}
.faq details{border-top:1px solid var(--line)}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;position:relative;padding:20px 44px 20px 0;font-size:18px;font-weight:600;color:var(--ink);line-height:1.5}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:6px;top:50%;transform:translateY(-50%);font-size:26px;font-weight:400;color:var(--muted);line-height:1}
.faq details[open] summary::after{content:"\2212"}
.faq .ans{margin:0;padding:0 44px 22px 0}
.cta-band{background:var(--band);color:#D5DEF5;padding:72px 0}
.band-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:56px;align-items:center}
.cta-band h2{color:#fff;font-size:clamp(26px,3vw,36px);line-height:1.32;letter-spacing:-.02em;font-weight:600;margin:0 0 14px;max-width:16em}
.cta-band p{margin:0 0 28px;max-width:30em}
.cta-band p.small{font-size:13px;color:#B9C6EC;margin:18px 0 0}
.btn-light{background:var(--accent);color:var(--accent-ink);height:54px;padding:0 26px;font-size:17px;border:0}
.btn-light:hover{filter:brightness(.95)}
.cta-band :focus-visible{outline-color:#fff}
.about{margin:0}
.about > div{padding:18px 0;border-top:1px solid rgba(255,255,255,.22)}
.about > div:first-child{padding-top:0;border-top:0}
.about dt{color:#fff;font-weight:600;font-size:16px;margin-bottom:4px}
.about dd{margin:0;font-size:15px;line-height:1.7;color:#D5DEF5}
@media (max-width:960px){
  .band-grid{grid-template-columns:1fr;gap:36px}
}
@media (max-width:600px){
  .cta-band{padding:56px 0}
  .btn-light{width:100%}
  .faq summary{font-size:17px}
}
.sec.ruled{border-top:1px solid var(--line)}
.vs{width:100%;max-width:880px;border-collapse:separate;border-spacing:0;font-size:16px;line-height:1.55}
.vs th,.vs td{padding:16px 20px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
.vs thead th{font-size:19px;font-weight:700;color:var(--ink);border-bottom:2px solid var(--ink);padding-top:20px}
.vs thead th small{display:block;font-size:13px;font-weight:400;color:var(--muted);margin-top:2px}
.vs tbody th{width:116px;white-space:nowrap;font-weight:600;color:var(--muted);font-size:15px}
.vs td{color:var(--muted)}
.vs .vs-bond{background:var(--b6);color:var(--ink);font-weight:600;width:42%}
.vs thead .vs-bond{background:var(--blue);color:var(--on-blue);border-radius:16px 16px 0 0;border-bottom-color:var(--blue)}
.vs thead .vs-bond small{color:inherit;opacity:.85}
.vs tbody tr:last-child .vs-bond{border-radius:0 0 16px 16px;border-bottom-color:transparent}
@media (max-width:600px){
  .vs{font-size:15px}
  .vs th,.vs td{padding:12px 10px}
  .vs tbody th{width:58px;font-size:13px;white-space:normal}
  .vs thead th{font-size:17px}
}
/* ===== 히어로: 문장형 금액 선택 + 3년 합계 효과 카드 ===== */
.hero h1{font-size:clamp(28px,3.5vw,46px);line-height:1.42;max-width:none;margin-bottom:10px}
.pick-hint{font-size:14px;color:var(--muted);margin:0 0 22px}
.hero-copy{position:relative}
.hero-cta{display:flex;gap:10px;flex-wrap:wrap}
.hero-cta .btn-quiet{height:54px;padding:0 22px;font-size:16px}
.receipt{margin:0;background:var(--paper);border:1px solid var(--line);border-radius:24px;padding:30px 30px 22px;box-shadow:0 22px 48px -28px rgba(14,26,58,.35)}
.rc-title{font-size:15px;font-weight:600;color:var(--ink);margin:0}
.rc-total{display:block;font-size:clamp(46px,5.2vw,64px);font-weight:700;letter-spacing:-.035em;color:var(--ink);line-height:1.12;margin:6px 0 6px}
.rc-ratio{font-size:18px;color:var(--ink);font-weight:600;margin:0}
.rc-ratio small{font-size:14px;color:var(--muted);font-weight:400;margin-left:10px}
.rc-bar{display:flex;height:14px;border-radius:7px;background:var(--paper-2);overflow:hidden;margin:20px 0 6px}
.rc-bar i{display:block;height:100%;transition:width .4s ease}
.rc-bar .t,.sw-t{background:var(--accent)}
.rc-bar .c,.sw-c{background:var(--hl)}
.rc-scale{display:flex;justify-content:space-between;font-size:12px;color:var(--muted)}
.rc-lines{margin:18px 0 0;padding-top:12px;border-top:1px dashed var(--line)}
.rc-lines > div{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;padding:7px 0}
.rc-lines dt{font-size:15px;color:var(--text)}
.rc-lines dt i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:8px}
.rc-lines dt small{display:block;font-size:12.5px;color:var(--muted);margin:1px 0 0 18px}
.rc-lines dd{margin:0;font-size:17px;font-weight:600;color:var(--ink);white-space:nowrap}
.rc-note{font-size:12.5px;line-height:1.6;color:var(--muted);margin:12px 0 0;padding-top:12px;border-top:1px dashed var(--line)}
@media (max-width:600px){
  .receipt{padding:24px 20px 18px;border-radius:16px}
  .pick-hint{margin-bottom:16px}
  .hero-cta .btn{flex:1 1 auto;width:auto}
}
.hilite{background:linear-gradient(180deg,transparent 58%,var(--hl) 58%,var(--hl) 93%,transparent 93%);color:var(--ink);padding:0 .06em;-webkit-box-decoration-break:clone;box-decoration-break:clone}
.hero h1{font-weight:700}
.hero h1 .hs{white-space:nowrap}
.hero h1 .h-pre{display:block;font-size:.52em;font-weight:600;color:var(--muted);letter-spacing:-.01em;margin-bottom:.35em}
.pick-hint{font-size:14px;font-weight:600;color:var(--ink);margin:0 0 12px}
.personas{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;max-width:600px;margin:0}
.persona{font:inherit;text-align:left;border:1.5px solid var(--line);background:var(--paper);border-radius:16px;padding:14px 14px 13px;cursor:pointer;display:flex;flex-direction:column;align-items:flex-start;gap:4px;color:var(--text);transition:border-color .15s,box-shadow .15s,transform .15s}
.persona .av{width:58px;height:58px;display:block;margin-bottom:6px}
.persona b{font-size:16px;font-weight:700;color:var(--ink);line-height:1.35}
.nb{white-space:nowrap}
.persona small{font-size:13px;color:var(--muted);line-height:1.45}
.persona:hover{border-color:var(--ink)}
.persona[aria-checked="true"]{border-color:var(--ink);box-shadow:0 0 0 4px var(--hl);transform:translateY(-2px)}
.receipt .rc-total{display:inline-block;color:var(--ink)}
.sec.dark{background:var(--deep);color:#C9D3EA}
.sec.dark .sec-head h2{color:#fff}
.sec.dark .src{color:#9AA6C2}
.sec.dark .vs th,.sec.dark .vs td{border-bottom-color:rgba(255,255,255,.12)}
.sec.dark .vs thead th{color:#fff;border-bottom-color:rgba(255,255,255,.45)}
.sec.dark .vs thead th small{color:#9AA6C2}
.sec.dark .vs tbody th,.sec.dark .vs td{color:#9AA6C2}
.sec.dark .vs .vs-bond{background:#1B2B50;color:#fff}
.sec.dark .vs thead .vs-bond{background:var(--accent);color:var(--accent-ink);border-bottom-color:var(--accent)}
.sec.dark .vs thead .vs-bond small{color:var(--accent-ink);opacity:.75}
.sec.dark :focus-visible{outline-color:#fff}
@media (max-width:600px){
  .personas{gap:8px}
  .persona{padding:12px 8px 11px;align-items:center;text-align:center;border-radius:16px}
  .persona .av{width:48px;height:48px;margin-bottom:4px}
  .persona b{font-size:14px}
  .persona small{font-size:11.5px}
}
.persona-note{font-size:12.5px;color:var(--muted);margin:10px 0 24px}
.ecards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.ecard{background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:20px 20px 16px}
.ecard header{display:flex;align-items:center;gap:12px;margin-bottom:14px}
.ecard header svg{width:40px;height:40px;flex:none}
.ecard header b{display:block;font-size:16px;color:var(--ink)}
.ecard header span{display:block;font-size:13px;color:var(--muted)}
.ecard ul{list-style:none;margin:0;padding:0}
.ecard li{display:grid;grid-template-columns:64px minmax(0,1fr) auto;gap:10px;align-items:center;padding:7px 0;border-top:1px dashed var(--line)}
.ecard li .ei{font-size:14px;color:var(--muted)}
.ecard li .eb{height:8px;border-radius:4px;background:var(--paper-2);overflow:hidden}
.ecard li .eb i{display:block;height:100%;background:var(--accent);border-radius:4px}
.ecard li b{font-size:17px;color:var(--ink);font-variant-numeric:tabular-nums;white-space:nowrap}
.fcards{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.fcard{position:relative;background:var(--paper-2);border-radius:16px;padding:18px 18px 16px;display:flex;flex-direction:column;gap:4px;min-height:132px}
.fcard .fk{font-size:13px;font-weight:600;color:var(--blue-ink)}
.fcard .fv{font-size:20px;font-weight:700;color:var(--ink);letter-spacing:-.01em;line-height:1.35}
.fcard .fn{font-size:13px;color:var(--muted);line-height:1.5;margin-top:auto;padding-top:6px}
.mini-stairs{position:absolute;right:18px;top:18px;display:flex;align-items:flex-end;gap:3px;height:34px}
.mini-stairs i{display:block;width:10px;background:var(--blue);border-radius:2px 2px 0 0}
.mini-stairs i:nth-child(2){background:var(--b35)}
.mini-stairs i:nth-child(3){background:var(--b24)}
@media (max-width:960px){
  .ecards{grid-auto-flow:column;grid-template-columns:none;grid-auto-columns:minmax(280px,82%);overflow-x:auto;scroll-snap-type:x mandatory;padding-bottom:6px;margin:0 -24px;padding-left:24px;padding-right:24px;scroll-padding-left:24px}
  .ecard{scroll-snap-align:start}
  .fcards{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:600px){
  .ecards{margin:0 -20px;padding-left:20px;padding-right:20px;scroll-padding-left:20px}
  .fcard{padding:14px 14px 13px;min-height:118px}
  .fcard .fv{font-size:17px}
  .fcard .fn{font-size:12px}
  .mini-stairs{right:14px;top:14px;height:26px}
  .mini-stairs i{width:8px}
}
.persona b .l1,.persona b .l2{display:block;white-space:nowrap}
.cbars{display:grid;gap:12px;max-width:980px}
.cbar{display:grid;grid-template-columns:230px minmax(0,1fr) 250px;grid-template-areas:'head track amt' 'tags tags tags';column-gap:22px;row-gap:10px;align-items:center;padding:16px 20px;border:1px solid var(--line);border-radius:16px;background:var(--paper)}
.cbar.main{background:var(--hl-soft);border:1.5px solid var(--accent);padding:22px 20px}
.cb-head{grid-area:head}
.cb-head b{font-size:16px;color:var(--text);font-weight:600}
.cbar.main .cb-head b{font-size:19px;color:var(--ink);font-weight:700}
.cb-head small{display:block;font-size:13px;color:var(--muted);margin-top:2px}
.cb-track{grid-area:track;height:10px;border-radius:5px;background:var(--paper-2);overflow:hidden}
.cbar.main .cb-track{height:20px;border-radius:12px;background:rgba(255,194,61,.22)}
.cb-fill{display:block;height:100%;border-radius:inherit;background:var(--muted);opacity:.4;transition:width .45s ease}
.cbar.main .cb-fill{background:var(--accent);opacity:1}
.cb-amt{grid-area:amt;text-align:right}
.cb-amt strong{display:inline-block;font-size:19px;font-weight:600;color:var(--muted)}
.cbar.main .cb-amt strong{font-size:32px;font-weight:700;color:var(--ink);letter-spacing:-.02em}
.cb-amt small{display:block;font-size:12.5px;color:var(--muted);margin-top:2px}
.cb-tags{grid-area:tags;list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px}
.cb-tags li{font-size:12px;color:var(--muted);border:1px solid var(--line);border-radius:999px;padding:2px 10px;background:var(--paper)}
.assure{list-style:none;margin:0 0 26px;padding:0}
.assure li{position:relative;padding-left:26px;margin:6px 0;color:#D5DEF5;font-size:15px}
.assure li::before{content:"";position:absolute;left:2px;top:.42em;width:12px;height:7px;border-left:2px solid var(--accent);border-bottom:2px solid var(--accent);transform:rotate(-45deg)}
.band-cta{display:flex;gap:10px;flex-wrap:wrap}
.btn-ghost-light{height:54px;padding:0 22px;font-size:16px;color:#fff;border:1px solid rgba(255,255,255,.45);background:transparent}
.btn-ghost-light:hover{border-color:#fff}
.btn-ghost-light[hidden]{display:none}
.rc-share:hover{border-color:var(--ink)}
.toast{position:fixed;left:50%;bottom:calc(88px + env(safe-area-inset-bottom,0px));transform:translateX(-50%) translateY(10px);background:var(--ink);color:var(--paper);font-size:14px;padding:10px 16px;border-radius:12px;opacity:0;pointer-events:none;transition:opacity .2s,transform .2s;z-index:40;max-width:calc(100vw - 40px)}
.toast.show{opacity:1;transform:translateX(-50%) translateY(0)}
.mbar{display:none}
@media (max-width:760px){
  .cbar{grid-template-columns:minmax(0,1fr) auto;grid-template-areas:'head amt' 'track track' 'tags tags';padding:14px 16px}
  .cbar.main{padding:18px 16px}
  .cb-amt strong{font-size:17px}
  .cbar.main .cb-amt strong{font-size:24px}
  .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:30;align-items:center;gap:12px;padding:10px 16px calc(10px + env(safe-area-inset-bottom,0px));background:var(--paper);border-top:1px solid var(--line);box-shadow:0 -8px 24px rgba(14,26,58,.08);transform:translateY(110%);transition:transform .25s ease}
  .mbar.show{transform:translateY(0)}
  .mbar-txt{flex:1;min-width:0}
  .mbar-txt small{display:block;font-size:12px;color:var(--muted);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
  .mbar-txt b{font-size:18px;color:var(--ink)}
  .mbar .btn{height:46px;padding:0 18px;font-size:15px;width:auto}
  .site-footer{padding-bottom:110px}
}
@media (prefers-reduced-motion:reduce){
  .mbar{transition:none}
  .toast{transition:none}
}
.cb-tags li.pos{position:relative;padding:3px 10px 3px 24px;background:var(--accent);border-color:var(--accent);color:var(--accent-ink);font-weight:700;font-size:12.5px}
.cb-tags li.pos::before{content:"";position:absolute;left:10px;top:50%;width:8px;height:4.5px;border-left:2px solid currentColor;border-bottom:2px solid currentColor;transform:translateY(-70%) rotate(-45deg)}
.cb-tags li.risk{background:transparent;border-style:dashed}
.hero{position:relative;isolation:isolate;overflow:hidden}
.hero::before,.hero::after{content:"";position:absolute;pointer-events:none;z-index:-1}
.receipt{position:relative}
.rc-head{display:flex;justify-content:space-between;align-items:center;gap:12px}
.rc-share{width:38px;height:38px;margin:0;padding:0;display:grid;place-items:center;border-radius:12px;color:var(--ink);background:var(--paper);border:1px solid var(--line);cursor:pointer;flex:none}
.rc-share:hover{border-color:var(--ink)}
.art3d-m{display:none}
@media (max-width:960px){
  .hero--art .art3d-m{display:flex;justify-content:center;align-items:flex-end;gap:18px;height:92px;margin:2px 0 20px}
  .art3d-m .o{position:static;width:auto;height:84px;filter:drop-shadow(0 10px 12px rgba(5,11,24,.45))}
  .art3d-m .o-bond{height:74px}
  .art3d-m .o-coin{height:80px}
}
.vs .vs-key th,.vs .vs-key td{border-top:2px solid var(--accent)}
.vs td strong{color:var(--ink);font-weight:700;background:linear-gradient(180deg,transparent 60%,var(--hl) 60%)}
.sec.dark .vs td strong{color:#fff;background:none;text-decoration:underline;text-decoration-color:var(--accent);text-decoration-thickness:2px;text-underline-offset:4px}
@media (prefers-reduced-motion:no-preference){
  .hero--art .o{animation:bob 6s ease-in-out infinite}
  .hero--art .o-coin{animation-delay:-2s}
  .hero--art .o-tax{animation-delay:-4s}
  @keyframes bob{0%,100%{transform:translateY(0)}50%{transform:translateY(-7px)}}
}
.fcard .fi{position:absolute;right:16px;top:16px;width:26px;height:26px;fill:none;stroke:var(--blue-ink);stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round;opacity:.85}
.fcard .fk,.fcard .fv{padding-right:34px}
.fcard:first-child .fk,.fcard:first-child .fv{padding-right:44px}
.mini-steps{list-style:none;margin:0 0 22px;padding:0;display:flex;align-items:center;flex-wrap:wrap;gap:8px 10px;color:#fff;font-size:14px;font-weight:600}
.mini-steps li{display:flex;align-items:center;gap:8px}
.mini-steps li b{width:24px;height:24px;border-radius:50%;background:rgba(255,255,255,.12);color:var(--accent);display:grid;place-items:center;font-size:13px}
.mini-steps li:not(:last-child)::after{content:"";width:22px;height:1px;background:rgba(255,255,255,.35);margin-left:4px}
.adv{border:1px solid var(--line);border-radius:12px;padding:0 14px;margin-bottom:0}
.adv summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:10px;padding:14px 0;font-weight:600;color:var(--ink);font-size:15px}
.adv summary::-webkit-details-marker{display:none}
.adv summary span{font-weight:500;color:var(--muted);font-size:14px}
.adv summary::after{content:"";width:8px;height:8px;border-right:2px solid var(--muted);border-bottom:2px solid var(--muted);transform:rotate(45deg) translateY(-2px);flex:none}
.adv[open] summary::after{transform:rotate(-135deg)}
.adv[open]{padding-bottom:14px}
.stack-btn{display:none}
@media (max-width:600px){
  .res-body .stack-area{display:none}
  .res-body.show-stack .stack-area{display:grid}
  .stack-btn{display:block;order:3;font:inherit;font-size:14px;font-weight:600;color:var(--ink);background:var(--paper-2);border:0;border-radius:12px;height:44px;cursor:pointer}
  .mini-steps{font-size:13px}
}
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]) .hero--grid{--paper:#FFFFFF;--paper-2:#F2F4F8;--ink:#0E1A3A;--text:#2E3850;--muted:#5D677C;--line:#D9DEE8;--hl:#FFE17A;--hl-soft:#FFF5D3;--b6:#EEF2FD;--b15:#DCE5FA;--b24:#C3D3F6;--b35:#9DB6F0;--blue:#3F71E3;--blue-ink:#1F3F9E;--on-blue:#FFFFFF;color:var(--text)}
}
:root[data-theme="dark"] .hero--grid{--paper:#FFFFFF;--paper-2:#F2F4F8;--ink:#0E1A3A;--text:#2E3850;--muted:#5D677C;--line:#D9DEE8;--hl:#FFE17A;--hl-soft:#FFF5D3;--b6:#EEF2FD;--b15:#DCE5FA;--b24:#C3D3F6;--b35:#9DB6F0;--blue:#3F71E3;--blue-ink:#1F3F9E;--on-blue:#FFFFFF;color:var(--text)}
.brand{display:inline-flex;align-items:center;text-decoration:none;color:var(--ink)}
.brand-logo{flex:none;display:block;height:25px;width:auto}
.site-footer .brand-logo{height:20px}
@media (max-width:600px){
  .site-header .brand-logo{height:22px}
}
@media (max-width:960px){
  .hero--grid{background:#F5F7FB}
  .hero--grid::before{width:84px;height:84px;right:-14px;top:22px;background:url("../img/hero-grid-mark.svg") center/contain no-repeat}
  .hero--grid .art3d-m{position:relative;margin-bottom:78px}
  .hero--grid .art3d-m::after{content:"";position:absolute;z-index:-1;left:50%;top:100%;margin-top:12px;width:332px;height:60px;transform:translateX(-50%);background:url("../img/hero-grid-strip.svg") center/contain no-repeat}
}
.hero--grid{background:url("../img/hero-grid.svg") center top/1600px auto no-repeat,#F5F7FB}
.hero--grid .rc-total{font-size:clamp(52px,5.8vw,74px)}
.hero--grid .rc-lines dt{color:var(--muted)}
.hero--grid .rc-lines dd{color:var(--text)}
.hero--grid .rc-note,.hero--grid .rc-scale{color:#8A93A6}
@media (min-width:961px){
  .hero--grid{padding-top:44px;padding-bottom:44px}
  .hero--grid .art3d-m{display:flex;justify-content:flex-start;align-items:flex-end;gap:24px;height:64px;margin:-4px 0 14px}
  .hero--grid .art3d-m .o{position:static;width:auto;height:58px;filter:drop-shadow(0 1px 1px rgba(14,26,58,.18)) drop-shadow(0 12px 14px rgba(14,26,58,.18))}
  .hero--grid .art3d-m .o-bond{height:52px}
  .hero--grid .art3d-m .o-coin{height:56px}
  .hero--grid .receipt::before{content:"";position:absolute;z-index:-1;inset:-30px;border-radius:36px;background:#F5F7FB;box-shadow:0 0 28px 22px #F5F7FB}
  .hero--grid .receipt{box-shadow:0 30px 60px -30px rgba(14,26,58,.38)}
}
/* ===== 계산기 ===== */
.calc{background:var(--paper-2);padding:76px 0}
.calc-head h2{color:var(--ink);font-size:clamp(26px,3vw,36px);line-height:1.3;letter-spacing:-.02em;font-weight:600;margin:0 0 12px}
.calc-head p{margin:0 0 36px;max-width:40em}
.calc-grid{display:grid;grid-template-columns:minmax(0,.82fr) minmax(0,1.18fr);gap:24px;align-items:start}
.panel{background:var(--paper);border-radius:16px;padding:28px;min-width:0}
.field{margin-bottom:28px}
.field:last-child{margin-bottom:0}
.field-label{display:block;font-weight:600;color:var(--ink);font-size:16px;margin-bottom:8px}
.hint{font-size:13px;color:var(--muted);margin:6px 0 0;line-height:1.55}
.amount{display:flex;align-items:center;border:1px solid var(--line);border-radius:12px;background:var(--paper);padding:0 14px;height:52px}
.amount:focus-within{border-color:var(--blue);box-shadow:0 0 0 3px rgba(63,113,227,.22)}
.amount input{flex:1 1 0;width:0;min-width:0;border:0;background:transparent;font:inherit;font-size:20px;font-weight:600;color:var(--ink);text-align:right;outline:none;font-variant-numeric:tabular-nums}
.amount span{margin-left:8px;color:var(--muted);font-size:15px}
.amount.is-invalid{border-color:var(--error)}
.amount .eok{color:var(--muted);font-size:14px;white-space:nowrap;margin-right:10px}
.error{color:var(--error);font-size:13px;margin:6px 0 0}
.error:empty{display:none}
input[type=range]{width:100%;accent-color:var(--ink);margin:14px 0 0;height:24px}
.presets{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:10px}
.presets button{font:inherit;font-size:15px;height:40px;padding:0 15px;border-radius:999px;border:1px solid var(--line);background:var(--paper);color:var(--text);cursor:pointer}
.presets button:hover{border-color:var(--ink)}
.presets button[aria-pressed="true"]{background:var(--ink);color:var(--paper);border-color:var(--ink)}
.rate-row{display:flex;justify-content:space-between;align-items:baseline}
.rate-row output{font-weight:600;color:var(--ink);font-size:18px}
.res-top{display:flex;flex-wrap:wrap;align-items:baseline;gap:2px 14px;padding-bottom:20px;border-bottom:1px solid var(--line)}
.res-top .k{font-size:16px;color:var(--text)}
.res-top .v{font-size:clamp(34px,4vw,46px);font-weight:700;color:var(--ink);letter-spacing:-.02em;line-height:1.2}
.res-top .s{font-size:14px;color:var(--muted);width:100%}
.res-body{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:28px;margin-top:24px}
.res-body .stack-area{height:300px;grid-template-columns:64px minmax(0,1fr);gap:12px}
.metrics{margin:0}
.metrics > div{padding:12px 0;border-bottom:1px solid var(--line)}
.metrics > div:first-child{padding-top:0}
.metrics dt{font-size:14px;color:var(--muted)}
.metrics dd{margin:2px 0 0;color:var(--ink);font-size:22px;font-weight:600;line-height:1.35}
.metrics dd small{display:block;font-size:13px;font-weight:400;color:var(--muted);line-height:1.5;margin-top:2px}
.badge{display:inline-block;font-size:12px;font-weight:600;color:var(--blue-ink);background:var(--b6);border-radius:6px;padding:2px 8px;margin-left:8px;vertical-align:middle}
.badge[hidden]{display:none}
.split{display:flex;height:10px;border-radius:5px;overflow:hidden;background:var(--paper-2);margin-top:8px}
.split i{display:block;height:100%;transition:width .25s}
.split .t{background:var(--accent)}
.split .c{background:var(--hl)}
.calc-foot{margin-top:22px;padding-top:16px;border-top:1px solid var(--line);display:flex;flex-wrap:wrap;gap:12px 20px;align-items:center;justify-content:space-between}
.calc-foot p{margin:0;font-size:13px;line-height:1.6;color:var(--muted);flex:1 1 320px}
@media (max-width:960px){
  .calc-grid{grid-template-columns:1fr}
}
@media (max-width:600px){
  .calc{padding:56px 0}
  .panel{padding:22px 18px}
  .res-body{grid-template-columns:1fr}
  .res-body .stack-area{order:2;height:260px}
}
/* ===== 푸터 ===== */
.site-footer{background:var(--paper-2);padding:48px 0 40px;font-size:14px;line-height:1.7;color:var(--muted)}
.footer-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.4fr);gap:40px;margin-top:20px}
.biz p{margin:0 0 4px}
.disclaimer h2{font-size:14px;color:var(--ink);margin:0 0 8px;font-weight:600}
.disclaimer ol{margin:0;padding-left:18px}
.disclaimer li{margin-bottom:4px}
.copy{margin-top:28px;font-size:13px}
/* ===== 개인정보처리방침 (privacy.html) ===== */
.brand + .btn-quiet{margin-left:auto}
.policy{padding:56px 0 76px}
.policy .wrap{max-width:820px}
.policy h1{color:var(--ink);font-size:clamp(28px,3.4vw,40px);line-height:1.3;letter-spacing:-.02em;font-weight:700;margin:0 0 14px}
.policy-lede{margin:0 0 6px}
.policy-meta{font-size:14px;color:var(--muted);margin:0}
.policy h2{color:var(--ink);font-size:20px;line-height:1.4;font-weight:600;margin:36px 0 12px;padding-top:28px;border-top:1px solid var(--line)}
.policy section p{margin:0 0 10px}
.policy ul{margin:0 0 10px;padding-left:20px}
.policy li{margin-bottom:4px}
.ptable{width:100%;border-collapse:collapse;font-size:15px;line-height:1.6;margin:4px 0 14px}
.ptable th,.ptable td{padding:12px 14px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
.ptable thead th{font-size:14px;font-weight:600;color:var(--ink);background:var(--paper-2)}
.ptable thead th:first-child{border-radius:12px 0 0 12px}
.ptable thead th:last-child{border-radius:0 12px 12px 0}
.ptable tbody th{width:11em;font-weight:600;color:var(--ink)}
.doc-biz{margin-top:16px}
@media (max-width:760px){
  .page-doc .site-footer{padding-bottom:40px}
}
@media (max-width:600px){
  .policy{padding:36px 0 56px}
  .policy h2{font-size:18px}
  .ptable{font-size:14px}
  .ptable th,.ptable td{padding:10px 8px}
  .ptable tbody th{width:6.5em}
}
/* ===== 반응형 ===== */
@media (max-width:960px){
  .hero-grid{grid-template-columns:1fr;grid-template-areas:'copy' 'sheet' 'cta';row-gap:28px}
  .nav{display:none}
  .site-header .btn-quiet{margin-left:auto}
}
@media (max-width:600px){
  :root{--header-h:56px}
  .wrap{padding:0 20px}
  .hero{padding:40px 0 40px}
  .hero .lede{font-size:16px}
  .stack-area{grid-template-columns:76px minmax(0,1fr);height:300px;gap:12px}
  .btn-primary{width:100%}
  .footer-grid{grid-template-columns:1fr;gap:24px}
}
@media (prefers-reduced-motion:no-preference){
    }
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
}