@font-face {
    font-family: 'Pretendard';
    src: url('https://cdn.jsdelivr.net/gh/projectnoonnu/pretendard@1.0/Pretendard-Thin.woff2') format('woff2');
    font-weight: 100;
    font-display: swap;
}

@font-face {
    font-family: 'Pretendard';
    src: url('https://cdn.jsdelivr.net/gh/projectnoonnu/pretendard@1.0/Pretendard-ExtraLight.woff2') format('woff2');
    font-weight: 200;
    font-display: swap;
}

@font-face {
    font-family: 'Pretendard';
    src: url('https://cdn.jsdelivr.net/gh/projectnoonnu/pretendard@1.0/Pretendard-Light.woff2') format('woff2');
    font-weight: 300;
    font-display: swap;
}

@font-face {
    font-family: 'Pretendard';
    src: url('https://cdn.jsdelivr.net/gh/projectnoonnu/pretendard@1.0/Pretendard-Regular.woff2') format('woff2');
    font-weight: 400;
    font-display: swap;
}

@font-face {
    font-family: 'Pretendard';
    src: url('https://cdn.jsdelivr.net/gh/projectnoonnu/pretendard@1.0/Pretendard-Medium.woff2') format('woff2');
    font-weight: 500;
    font-display: swap;
}

@font-face {
    font-family: 'Pretendard';
    src: url('https://cdn.jsdelivr.net/gh/projectnoonnu/pretendard@1.0/Pretendard-SemiBold.woff2') format('woff2');
    font-weight: 600;
    font-display: swap;
}

@font-face {
    font-family: 'Pretendard';
    src: url('https://cdn.jsdelivr.net/gh/projectnoonnu/pretendard@1.0/Pretendard-Bold.woff2') format('woff2');
    font-weight: 700;
    font-display: swap;
}

@font-face {
    font-family: 'Pretendard';
    src: url('https://cdn.jsdelivr.net/gh/projectnoonnu/pretendard@1.0/Pretendard-ExtraBold.woff2') format('woff2');
    font-weight: 800;
    font-display: swap;
}

@font-face {
    font-family: 'Pretendard';
    src: url('https://cdn.jsdelivr.net/gh/projectnoonnu/pretendard@1.0/Pretendard-Black.woff2') format('woff2');
    font-weight: 900;
    font-display: swap;
}

/* ================================
   전역 스타일 (Global Styles)
   ================================ */

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

/* 색상 변수 정의 */
:root {
    /* 주 색상 */
    --color-primary: #2563eb;      /* 파란색 */
    --color-primary-dark: #1e40af;
    --color-primary-light: #dbeafe;
    
    /* 보조 색상 */
    --color-success: #10b981;      /* 초록색 */
    --color-warning: #f59e0b;      /* 주황색 */
    --color-danger: #ef4444;       /* 빨간색 */
    
    /* 중성 색상 */
    --color-gray-50: #f9fafb;
    --color-gray-100: #f3f4f6;
    --color-gray-200: #e5e7eb;
    --color-gray-300: #d1d5db;
    --color-gray-400: #9ca3af;
    --color-gray-500: #6b7280;
    --color-gray-600: #4b5563;
    --color-gray-700: #374151;
    --color-gray-800: #1f2937;
    --color-gray-900: #111827;
    
    /* 기타 */
    --color-white: #ffffff;
    --color-black: #000000;
    
    /* 그림자 */
    --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
    --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1);
    --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1);
    --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1);
    
    /* 거리 */
    --spacing-xs: 0.5rem;   /* 8px */
    --spacing-sm: 1rem;     /* 16px */
    --spacing-md: 1.5rem;   /* 24px */
    --spacing-lg: 2rem;     /* 32px */
    --spacing-xl: 3rem;     /* 48px */
    --spacing-2xl: 4rem;    /* 64px */
    
    /* 타이포그래피 */
    --font-main: 'Pretendard', 'Apple SD Gothic Neo', sans-serif;
    --font-mono: 'Pretendard', 'Apple SD Gothic Neo', sans-serif;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: var(--font-main);
    color: var(--color-gray-800);
    background-color: var(--color-white);
    line-height: 1.6;
    font-size: 16px;
}

/* ================================
   컨테이너
   ================================ */

.container {
    width: 100%;
    max-width: 1440px;
    margin: 0 auto;
    padding: 0 var(--spacing-sm);
}

/* ================================
   헤더 & 네비게이션
   ================================ */

.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    background-color: var(--color-white);
    box-shadow: var(--shadow-md);
    z-index: 1000;
}

.header-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 70px;
}

.logo {
    flex-shrink: 0;
}

.logo a {
    display: flex;
    align-items: center;
    text-decoration: none;
    color: var(--color-primary);
    font-weight: 700;
    font-size: 1.5rem;
}

.logo-text {
    background: linear-gradient(135deg, var(--color-primary), #1e3a8a);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

/* 네비게이션 메뉴 */
.navbar {
    flex: 1;
    display: flex;
    justify-content: center;
}

.nav-menu {
    display: flex;
    list-style: none;
    gap: var(--spacing-lg);
}

.nav-link {
    color: var(--color-gray-700);
    text-decoration: none;
    font-weight: 500;
    transition: color 0.3s ease;
    position: relative;
    padding-bottom: 4px;
}

.nav-link:hover,
.nav-link.active {
    color: var(--color-primary);
}

.nav-link.active::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 3px;
    background-color: var(--color-primary);
    border-radius: 2px;
}

.nav-item-dropdown {
    position: relative;
}

.nav-item-dropdown::after {
    content: '';
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    height: 12px;
}

.nav-dropdown-toggle {
    display: inline-flex;
    align-items: center;
    gap: 0.3rem;
}

.nav-dropdown-toggle::before {
    content: '';
    width: 7px;
    height: 7px;
    border-right: 2px solid currentColor;
    border-bottom: 2px solid currentColor;
    transform: rotate(45deg) translateY(-2px);
    opacity: 0.75;
    order: 2;
}

.nav-submenu {
    list-style: none;
    position: absolute;
    top: calc(100% + 6px);
    left: 0;
    min-width: 210px;
    background-color: var(--color-white);
    border: 1px solid var(--color-gray-200);
    border-radius: 12px;
    box-shadow: var(--shadow-lg);
    padding: 0.5rem;
    display: none;
    z-index: 1001;
}

.nav-item-dropdown:hover .nav-submenu {
    display: block;
}

.nav-item-dropdown:focus-within .nav-submenu {
    display: block;
}

.nav-sublink {
    display: block;
    padding: 0.55rem 0.75rem;
    border-radius: 8px;
    color: var(--color-gray-700);
    text-decoration: none;
    font-size: 0.92rem;
    font-weight: 500;
    transition: all 0.2s ease;
}

.nav-sublink:hover,
.nav-sublink.active {
    background-color: var(--color-primary-light);
    color: var(--color-primary);
}

/* 햄버거 메뉴 */
.hamburger {
    display: none;
    flex-direction: column;
    cursor: pointer;
}

.bar {
    width: 25px;
    height: 3px;
    background-color: var(--color-gray-800);
    margin: 5px 0;
    transition: all 0.3s ease;
    border-radius: 3px;
}

/* ================================
   메인 콘텐츠 영역
   ================================ */

.main {
    margin-top: 70px;
}

.calculator-main {
    background-color: var(--color-gray-50);
}

/* ================================
   Hero 섹션
   ================================ */

.hero {
    display: grid;
    grid-template-columns: 1fr 1fr;
    align-items: center;
    gap: var(--spacing-2xl);
    padding: var(--spacing-2xl) 0;
    background: linear-gradient(135deg, var(--color-primary-light), var(--color-white));
    border-radius: 20px;
    overflow: hidden;
}

.hero-content {
    padding: var(--spacing-lg);
}

.hero-title {
    font-size: 3rem;
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: var(--spacing-lg);
    color: var(--color-gray-900);
}

.hero-subtitle {
    font-size: 1.125rem;
    color: var(--color-gray-600);
    margin-bottom: var(--spacing-lg);
    line-height: 1.8;
}

.hero-image {
    position: relative;
    height: 400px;
}

.hero-graphic {
    position: relative;
    width: 100%;
    height: 100%;
}

.graphic-circle {
    position: absolute;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(37, 99, 235, 0.1), rgba(37, 99, 235, 0));
    border: 2px solid rgba(37, 99, 235, 0.2);
}

.circle-1 {
    width: 200px;
    height: 200px;
    top: 20px;
    right: 20px;
    animation: float 6s ease-in-out infinite;
}

.circle-2 {
    width: 150px;
    height: 150px;
    bottom: 40px;
    left: 40px;
    animation: float 8s ease-in-out infinite reverse;
}

.circle-3 {
    width: 100px;
    height: 100px;
    bottom: 100px;
    right: 100px;
    animation: float 10s ease-in-out infinite;
}

@keyframes float {
    0%, 100% { transform: translateY(0px); }
    50% { transform: translateY(-20px); }
}

/* ================================
   버튼 스타일
   ================================ */

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-xs);
    padding: var(--spacing-sm) var(--spacing-lg);
    border: none;
    border-radius: 8px;
    font-size: 1rem;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease;
    text-decoration: none;
    white-space: nowrap;
}

.btn-primary {
    background-color: var(--color-primary);
    color: var(--color-white);
}

.btn-primary:hover {
    background-color: var(--color-primary-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn-secondary {
    background-color: var(--color-gray-200);
    color: var(--color-gray-800);
}

.btn-secondary:hover {
    background-color: var(--color-gray-300);
}

.btn-white {
    background-color: var(--color-white);
    color: var(--color-primary);
    border: 2px solid var(--color-primary);
}

.btn-white:hover {
    background-color: var(--color-primary-light);
}

.btn-lg {
    padding: 1rem 2rem;
    font-size: 1.125rem;
}

.btn-block {
    width: 100%;
}

/* ================================
   섹션 제목
   ================================ */

.section-title {
    font-size: 2.5rem;
    font-weight: 700;
    text-align: center;
    color: var(--color-gray-900);
    margin-bottom: var(--spacing-sm);
}

.section-subtitle {
    font-size: 1.125rem;
    text-align: center;
    color: var(--color-gray-600);
    margin-bottom: var(--spacing-2xl);
}

/* ================================
   페이지 헤더
   ================================ */

.page-header {
    background: linear-gradient(135deg, var(--color-primary), var(--color-primary-dark));
    color: var(--color-white);
    padding: var(--spacing-2xl) 0;
    text-align: center;
    margin-bottom: var(--spacing-2xl);
}

.page-header h1 {
    font-size: 2.5rem;
    margin-bottom: var(--spacing-sm);
}

.page-header p {
    font-size: 1.125rem;
    opacity: 0.9;
}

/* ================================
   서비스 카드 섹션
   ================================ */

.services {
    padding: var(--spacing-2xl) 0;
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: var(--spacing-lg);
}

.service-card {
    background-color: var(--color-white);
    border-radius: 16px;
    padding: var(--spacing-lg);
    box-shadow: var(--shadow-md);
    transition: all 0.3s ease;
}

.service-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
}

.card-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 64px;
    height: 64px;
    background-color: var(--color-primary-light);
    border-radius: 12px;
    margin-bottom: var(--spacing-md);
    color: var(--color-primary);
}

.card-icon svg {
    width: 100%;
    height: 100%;
}

.card-title {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--color-gray-900);
    margin-bottom: var(--spacing-sm);
}

.card-description {
    font-size: 1rem;
    color: var(--color-gray-600);
    margin-bottom: var(--spacing-md);
    line-height: 1.6;
}

.card-benefits {
    list-style: none;
    margin-bottom: var(--spacing-md);
}

.card-benefits li {
    padding: 0.5rem 0;
    color: var(--color-gray-700);
    font-size: 0.95rem;
}

.card-link {
    display: inline-block;
    color: var(--color-primary);
    text-decoration: none;
    font-weight: 600;
    transition: all 0.3s ease;
}

.card-link:hover {
    color: var(--color-primary-dark);
    transform: translateX(4px);
}

/* ================================
   기능 섹션
   ================================ */

.features {
    padding: var(--spacing-2xl) 0;
    background-color: var(--color-white);
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: var(--spacing-lg);
    margin-top: var(--spacing-xl);
}

.feature-item {
    text-align: center;
    padding: var(--spacing-lg);
}

.feature-number {
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--color-primary);
    margin-bottom: var(--spacing-sm);
}

.feature-item h3 {
    font-size: 1.25rem;
    margin-bottom: var(--spacing-sm);
    color: var(--color-gray-900);
}

.feature-item p {
    color: var(--color-gray-600);
    line-height: 1.6;
}

/* ================================
   CTA 섹션
   ================================ */

.cta-section {
    background: linear-gradient(135deg, var(--color-primary), var(--color-primary-dark));
    color: var(--color-white);
    padding: var(--spacing-2xl) 0;
    text-align: center;
}

.cta-section h2 {
    font-size: 2rem;
    margin-bottom: var(--spacing-sm);
}

.cta-section p {
    font-size: 1.125rem;
    margin-bottom: var(--spacing-lg);
    opacity: 0.9;
}

/* ================================
   계산기 섹션
   ================================ */

.calculator-section {
    padding: var(--spacing-2xl) 0;
}

.calculator-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-2xl);
    background-color: var(--color-white);
    border-radius: 16px;
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}

.calculator-input {
    padding: var(--spacing-lg);
    background-color: var(--color-gray-50);
}

.calculator-result {
    padding: var(--spacing-lg);
    background-color: var(--color-white);
}

/* ================================
   입력 폼 요소
   ================================ */

.input-group {
    margin-bottom: var(--spacing-lg);
}

.input-group label {
    display: block;
    font-weight: 600;
    color: var(--color-gray-800);
    margin-bottom: var(--spacing-sm);
    font-size: 0.95rem;
}

.form-input {
    width: 100%;
    padding: 0.75rem var(--spacing-sm);
    border: 2px solid var(--color-gray-300);
    border-radius: 8px;
    font-size: 1rem;
    font-family: var(--font-main);
    transition: border-color 0.3s ease;
}

.form-input:focus {
    outline: none;
    border-color: var(--color-primary);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
}

.input-numeric {
    text-align: right;
}

.input-select {
    cursor: pointer;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%232563eb' d='M6 9L1 4h10z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 0.75rem center;
    padding-right: 2rem;
}

.amount-input-wrapper,
.interest-rate-wrapper {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
}

.amount-input-wrapper .form-input,
.interest-rate-wrapper .form-input {
    flex: 1;
}

.amount-unit,
.rate-unit {
    font-weight: 600;
    color: var(--color-gray-600);
    min-width: 30px;
}

/* 슬라이더 스타일 */
.slider {
    width: 100%;
    height: 8px;
    border-radius: 5px;
    background: var(--color-gray-300);
    outline: none;
    margin: var(--spacing-md) 0;
    -webkit-appearance: none;
    appearance: none;
}

.slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--color-primary);
    cursor: pointer;
    box-shadow: var(--shadow-md);
    transition: all 0.2s ease;
}

.slider::-webkit-slider-thumb:hover {
    width: 28px;
    height: 28px;
    box-shadow: var(--shadow-lg);
}

.slider::-moz-range-thumb {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--color-primary);
    cursor: pointer;
    border: none;
    box-shadow: var(--shadow-md);
    transition: all 0.2s ease;
}

.slider::-moz-range-thumb:hover {
    width: 28px;
    height: 28px;
    box-shadow: var(--shadow-lg);
}

.slider::-moz-range-track {
    background: transparent;
    border: none;
}

.slider::-moz-range-progress {
    background-color: var(--color-primary);
    height: 8px;
    border-radius: 5px;
}

.slider-labels {
    display: flex;
    justify-content: space-between;
    font-size: 0.85rem;
    color: var(--color-gray-500);
    margin-bottom: var(--spacing-md);
}

/* 금리 프리셋 버튼 */
.rate-presets {
    display: flex;
    gap: var(--spacing-sm);
    margin-top: var(--spacing-sm);
}

.preset-btn {
    flex: 1;
    padding: 0.5rem var(--spacing-sm);
    border: 2px solid var(--color-gray-300);
    background-color: var(--color-white);
    border-radius: 8px;
    cursor: pointer;
    font-size: 0.85rem;
    font-weight: 600;
    transition: all 0.2s ease;
    color: var(--color-gray-700);
}

.preset-btn:hover,
.preset-btn.active {
    border-color: var(--color-primary);
    background-color: var(--color-primary-light);
    color: var(--color-primary);
}

/* 체크박스 */
.checkbox-group {
    margin-bottom: var(--spacing-lg);
}

.checkbox-label {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
    cursor: pointer;
    margin-bottom: var(--spacing-sm);
}

.form-checkbox {
    width: 20px;
    height: 20px;
    cursor: pointer;
    accent-color: var(--color-primary);
}

.checkbox-text {
    font-weight: 500;
    color: var(--color-gray-800);
}

.checkbox-help {
    margin: var(--spacing-sm) 0 0 28px;
    font-size: 0.85rem;
    color: var(--color-success);
}

/* 결과 카드 */

.result-card {
    background: linear-gradient(135deg, var(--color-white), var(--color-gray-50));
    border-radius: 16px;
    padding: var(--spacing-lg);
    border: 2px solid var(--color-gray-200);
}

/* 결과 헤더 */
.result-header {
    text-align: left;
    margin-bottom: var(--spacing-xl);
    padding-bottom: 0;
    border-bottom: 0;
}

.result-eyebrow {
    display: inline-flex;
    align-items: center;
    margin-bottom: var(--spacing-sm);
    padding: 0.35rem 0.75rem;
    border-radius: 999px;
    background: rgba(37, 99, 235, 0.08);
    color: var(--color-primary);
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 0.02em;
}

.result-title-main {
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--color-gray-900);
    line-height: 1.3;
    letter-spacing: -0.02em;
    margin-bottom: var(--spacing-md);
}

.result-title-main span {
    color: var(--color-primary);
    font-weight: 700;
}

.result-header-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
    margin-bottom: var(--spacing-lg);
}

.result-chip {
    display: inline-flex;
    align-items: center;
    padding: 0.45rem 0.8rem;
    border-radius: 999px;
    background: var(--color-primary);
    color: var(--color-white);
    font-size: 0.85rem;
    font-weight: 700;
}

.result-chip-muted {
    background: var(--color-gray-100);
    color: var(--color-gray-700);
}

.result-hero {
    padding: var(--spacing-lg);
    border-radius: 20px;
    background:
        radial-gradient(circle at top right, rgba(96, 165, 250, 0.22), transparent 35%),
        linear-gradient(135deg, #eff6ff 0%, #ffffff 100%);
    border: 1px solid rgba(37, 99, 235, 0.14);
    box-shadow: 0 18px 40px rgba(37, 99, 235, 0.08);
}

.result-hero-label {
    display: block;
    margin-bottom: 0.5rem;
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--color-gray-600);
}

.result-hero-amount {
    display: flex;
    align-items: baseline;
    gap: 0.4rem;
    margin-bottom: 0.5rem;
}

.result-hero-amount .value-unit {
    font-size: 1.1rem;
    color: var(--color-primary);
}

.result-hero-caption {
    margin: 0;
    font-size: 0.92rem;
    line-height: 1.6;
    color: var(--color-gray-600);
}

/* 결과 분석 영역 */
.result-breakdown {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-md);
    margin-top: var(--spacing-lg);
}

.result-breakdown-title {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--color-gray-700);
    letter-spacing: 0.01em;
    margin-bottom: 0.25rem;
}

/* 결과 컴포넌트 (각 항목) */
.result-component {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--spacing-md) var(--spacing-lg);
    background-color: var(--color-white);
    border-radius: 16px;
    border: 1px solid var(--color-gray-200);
    transition: all 0.3s ease;
    box-shadow: 0 10px 24px rgba(15, 23, 42, 0.04);
}

.result-component:hover {
    transform: translateY(-2px);
    box-shadow: 0 14px 30px rgba(15, 23, 42, 0.08);
}

/* + 기호 포함 컴포넌트 */
.result-component.component-plus {
    position: relative;
    margin-left: 2rem;
}

.plus-symbol {
    position: absolute;
    left: -1.3rem;
    width: 2rem;
    height: 2rem;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 999px;
    background: var(--color-white);
    border: 1px solid rgba(37, 99, 235, 0.18);
    box-shadow: 0 8px 18px rgba(37, 99, 235, 0.08);
    font-size: 1rem;
    font-weight: 700;
    color: var(--color-primary);
}

/* 컴포넌트 레이블 */
.component-label {
    display: flex;
    flex-direction: column;
    gap: 0.25rem;
}

.label-title {
    font-weight: 700;
    color: var(--color-gray-800);
    font-size: 0.95rem;
}

.label-subtitle {
    font-size: 0.85rem;
    color: var(--color-gray-500);
    font-weight: 500;
}

/* 컴포넌트 값 */
.component-value {
    display: flex;
    align-items: baseline;
    gap: 0.25rem;
}

.value-amount {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--color-gray-900);
    font-family: var(--font-mono);
    letter-spacing: -0.5px;
}

.value-unit {
    font-size: 0.9rem;
    color: var(--color-gray-600);
    font-weight: 600;
}

.value-large {
    font-size: clamp(2.2rem, 4vw, 3.2rem);
    color: var(--color-primary);
    animation: slideIn 0.5s ease;
}

/* 최종 결과 컴포넌트 강조 */
.result-component.component-final {
    display: none;
}

.component-final .label-title {
    font-size: 1.1rem;
    color: var(--color-primary);
}

.component-final .component-value {
    flex-direction: column;
    align-items: flex-end;
}

.component-final .final-value {
    margin-top: var(--spacing-sm);
}

/* 분할선 */
.result-divider {
    display: none;
}

@keyframes slideIn {
    from {
        opacity: 0;
        transform: translateY(10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* 결과 추가 정보 */
.result-info {
    background: linear-gradient(180deg, var(--color-white), var(--color-gray-50));
    border: 1px solid var(--color-gray-200);
    border-radius: 16px;
    padding: var(--spacing-md);
    margin: var(--spacing-lg) 0;
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
    gap: var(--spacing-md);
}

.info-item {
    display: flex;
    flex-direction: column;
    gap: 0.35rem;
    padding: 0.75rem;
    background: rgba(255, 255, 255, 0.75);
    border-radius: 12px;
    border: 1px solid rgba(148, 163, 184, 0.18);
    font-size: 0.95rem;
}

.info-label {
    color: var(--color-gray-600);
    font-weight: 500;
}

.info-value {
    color: var(--color-gray-900);
    font-weight: 600;
    font-family: var(--font-mono);
    line-height: 1.45;
}

/* 정부 기여금 안내 */
.government-guide {
    background: linear-gradient(135deg, rgba(16, 185, 129, 0.07), rgba(255, 255, 255, 0.85));
    border: 1px solid rgba(16, 185, 129, 0.2);
    border-left: 4px solid var(--color-success);
    border-radius: 14px;
    padding: var(--spacing-md) var(--spacing-lg);
    margin-top: var(--spacing-lg);
    font-size: 0.9rem;
    line-height: 1.6;
    color: var(--color-gray-700);
}

.government-guide p {
    margin: 0;
}

.rent-calculator-wrapper {
    grid-template-columns: 1.1fr 0.9fr;
}

.lh-calculator-wrapper {
    grid-template-columns: 1fr 1fr;
}

.salary-calculator-wrapper {
    grid-template-columns: 1fr 1fr;
}

.minimum-wage-wrapper {
    grid-template-columns: 1fr 1fr;
}

.dream-calculator-wrapper {
    grid-template-columns: 1fr 1fr;
}

.job-policy-wrapper {
    grid-template-columns: 1fr 1fr;
}

.jeonse-loan-wrapper {
    grid-template-columns: 1.05fr 0.95fr;
}

.jeonse-loan-block {
    background: linear-gradient(180deg, var(--color-white), #f8fbff);
    border: 1px solid var(--color-gray-200);
    border-radius: 14px;
    padding: var(--spacing-md);
    margin-bottom: var(--spacing-md);
}

.jeonse-loan-step-title {
    font-size: 1.02rem;
    font-weight: 700;
    color: var(--color-gray-900);
    margin-bottom: var(--spacing-sm);
}

.jeonse-loan-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: var(--spacing-sm) var(--spacing-md);
    margin-bottom: var(--spacing-md);
}

.jeonse-loan-product-list {
    display: flex;
    flex-direction: column;
    gap: 0.65rem;
}

.jeonse-loan-product {
    border: 1px solid var(--color-gray-200);
    background: var(--color-white);
    border-radius: 12px;
    padding: 0.85rem;
    cursor: pointer;
    transition: all 0.2s ease;
}

.jeonse-loan-product:hover {
    border-color: rgba(37, 99, 235, 0.45);
}

.jeonse-loan-product.active {
    border-color: rgba(37, 99, 235, 0.75);
    background: linear-gradient(135deg, rgba(37, 99, 235, 0.08), rgba(255, 255, 255, 0.98));
    box-shadow: var(--shadow-sm);
}

.jeonse-loan-product-name {
    font-weight: 700;
    font-size: 0.95rem;
    color: var(--color-gray-900);
}

.jeonse-loan-product-meta {
    margin-top: 0.35rem;
    font-size: 0.82rem;
    color: var(--color-gray-600);
    line-height: 1.45;
}

.jeonse-loan-empty {
    margin: 0;
    padding: var(--spacing-md);
    text-align: center;
    color: var(--color-gray-600);
    font-size: 0.92rem;
    line-height: 1.6;
    background: var(--color-gray-50);
    border-radius: 12px;
    border: 1px dashed var(--color-gray-300);
}

/* 전세대출 갈아타기 비교 결과 요약 */
.ref-summary-box {
    padding: var(--spacing-lg);
    border-radius: 8px;
    line-height: 1.6;
    font-size: 0.95rem;
}

.ref-summary--good {
    background: rgba(34, 197, 94, 0.08);
    border-left: 4px solid #16a34a;
}

.ref-summary--bad {
    background: rgba(239, 68, 68, 0.06);
    border-left: 4px solid #dc2626;
}

.ref-breakeven-note {
    margin-top: var(--spacing-md);
    padding: var(--spacing-md);
    background: var(--color-gray-50);
    border-radius: 8px;
    font-size: 0.95rem;
    color: var(--color-gray-700);
    line-height: 1.55;
}

.jeonse-result-table tbody th {
    text-align: left;
    font-weight: 600;
    color: var(--color-gray-700);
    background: #f8fafc;
    width: 42%;
    vertical-align: middle;
}

.jeonse-result-table tbody td {
    text-align: right;
    font-size: 0.95rem;
}

.jeonse-result-sub {
    display: block;
    font-size: 0.78rem;
    font-weight: 500;
    color: var(--color-gray-500);
    margin-top: 0.2rem;
}

.loan-repay-compare-table thead th {
    background: #f1f5f9;
    color: var(--color-gray-800);
    font-weight: 700;
    text-align: center;
    font-size: 0.9rem;
}

.loan-repay-compare-table tbody th {
    text-align: left;
    font-weight: 600;
    color: var(--color-gray-700);
    background: #f8fafc;
    width: 28%;
    vertical-align: middle;
}

.loan-repay-compare-table tbody td {
    text-align: right;
    font-size: 0.92rem;
    vertical-align: middle;
}

.loan-repay-compare-table tbody td:nth-child(2),
.loan-repay-compare-table tbody td:nth-child(3) {
    min-width: 7rem;
}

/* 청년 전세대출 계산기 페이지 */
.jeonse-loan-page .jeonse-loan-calculator-container {
    display: flex;
    flex-direction: column;
    gap: 0;
}

.jeonse-loan-page .jeonse-loan-wrapper {
    gap: var(--spacing-lg);
    align-items: flex-start;
}

.jeonse-loan-block-head {
    display: flex;
    align-items: center;
    gap: 0.65rem;
    margin-bottom: 0.25rem;
}

.jeonse-step-badge {
    flex-shrink: 0;
    width: 1.75rem;
    height: 1.75rem;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--color-primary), #1d4ed8);
    color: #fff;
    font-size: 0.85rem;
    font-weight: 700;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    line-height: 1;
    box-shadow: 0 2px 6px rgba(37, 99, 235, 0.25);
}

.jeonse-loan-block-head .jeonse-loan-step-title {
    flex: 1;
    margin-bottom: 0;
    font-size: 1.05rem;
}

.jeonse-loan-block-lead {
    font-size: 0.88rem;
    color: var(--color-gray-600);
    line-height: 1.55;
    margin: 0 0 var(--spacing-md);
}

.jeonse-loan-find-btn {
    margin-top: 0.15rem;
}

.jeonse-loan-reset-btn {
    margin-top: var(--spacing-md);
}

.jeonse-loan-page .jeonse-loan-block:last-of-type {
    margin-bottom: 0;
}

.jeonse-loan-page .jeonse-result-panel {
    border-radius: 14px;
    border-width: 1px;
    border-color: var(--color-gray-200);
    box-shadow: var(--shadow-sm);
}

.jeonse-loan-page .jeonse-result-panel .result-header {
    margin-bottom: var(--spacing-lg);
}

.jeonse-result-note {
    margin-top: var(--spacing-md);
    font-size: 0.9rem;
}

.jeonse-loan-page .jeonse-loan-tabs .tab-btn {
    border-radius: 10px;
    padding: 0.65rem var(--spacing-md);
    font-size: 0.95rem;
}

.jeonse-loan-page .jeonse-loan-tabs {
    max-width: 28rem;
    margin-left: auto;
    margin-right: auto;
}

.jeonse-loan-info-section {
    padding-top: var(--spacing-xl);
    padding-bottom: var(--spacing-xl);
}

.jeonse-loan-info-divider {
    border: 0;
    border-top: 1px solid var(--color-gray-200);
    margin: var(--spacing-xl) 0;
}

.jeonse-loan-info-grid {
    margin-bottom: var(--spacing-md);
}

.jeonse-loan-reference-note {
    margin-bottom: 0;
}

.jeonse-guide-article {
    max-width: 52rem;
    margin: 0 auto;
}

.jeonse-guide-article h3 {
    margin-top: var(--spacing-lg);
    margin-bottom: var(--spacing-sm);
    font-size: 1.08rem;
    color: var(--color-gray-900);
}

.jeonse-guide-article p,
.jeonse-guide-article li {
    color: var(--color-gray-700);
    line-height: 1.65;
}

.jeonse-guide-article ul,
.jeonse-guide-article ol {
    margin: 0 0 var(--spacing-md);
    padding-left: 1.35rem;
}

.jeonse-guide-article li + li {
    margin-top: 0.35rem;
}

@media (min-width: 769px) {
    .jeonse-loan-page .calculator-result .jeonse-result-panel {
        position: sticky;
        top: 5.5rem;
    }
}

@media (max-width: 768px) {
    .jeonse-loan-page .jeonse-loan-tabs {
        margin-top: 0;
        margin-bottom: var(--spacing-md);
    }

    .jeonse-loan-page .jeonse-result-panel .result-title-main {
        font-size: 1.45rem;
    }
}

.loan-repay-compare-table thead th {
    background: #f1f5f9;
    color: var(--color-gray-800);
    font-weight: 700;
    text-align: center;
    font-size: 0.9rem;
}

.loan-repay-compare-table tbody th {
    text-align: left;
    font-weight: 600;
    color: var(--color-gray-700);
    background: #f8fafc;
    width: 28%;
    vertical-align: middle;
}

.loan-repay-compare-table tbody td {
    text-align: right;
    font-size: 0.92rem;
    vertical-align: middle;
}

.loan-repay-compare-table tbody td:nth-child(2),
.loan-repay-compare-table tbody td:nth-child(3) {
    min-width: 7rem;
}

    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: var(--spacing-md);
    margin-bottom: var(--spacing-lg);
}

.rent-option-card {
    background: var(--color-white);
    border-radius: 14px;
    border: 1px solid var(--color-gray-200);
    padding: var(--spacing-md);
}

.rent-option-card h3 {
    font-size: 1.1rem;
    color: var(--color-gray-900);
    margin-bottom: var(--spacing-md);
}

.rent-result-card .result-header {
    margin-bottom: var(--spacing-lg);
}

.rent-result-caption {
    color: var(--color-gray-700);
    font-size: 0.98rem;
    line-height: 1.6;
}

.rent-summary-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: var(--spacing-md);
    margin-bottom: var(--spacing-md);
}

.rent-summary-item {
    background: var(--color-white);
    border: 1px solid var(--color-gray-200);
    border-radius: 14px;
    padding: var(--spacing-md);
    box-shadow: var(--shadow-sm);
}

.rent-summary-item.active {
    border-color: rgba(16, 185, 129, 0.45);
    background: linear-gradient(135deg, rgba(16, 185, 129, 0.08), rgba(255, 255, 255, 0.95));
}

.rent-summary-item h3 {
    font-size: 1rem;
    color: var(--color-gray-900);
    margin-bottom: 0.65rem;
}

.rent-summary-item p {
    margin-bottom: 0.45rem;
    color: var(--color-gray-700);
    font-size: 0.92rem;
}

.rent-summary-item strong {
    color: var(--color-gray-900);
}

.rent-summary-item .rent-total {
    margin-top: 0.75rem;
    padding-top: 0.75rem;
    border-top: 1px dashed var(--color-gray-300);
    font-weight: 600;
}

.seo-content-article {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-lg);
}

.seo-lead-card,
.seo-checklist-card,
.seo-keyword-card {
    background: var(--color-white);
    border: 1px solid var(--color-gray-200);
    border-radius: 16px;
    padding: var(--spacing-lg);
    box-shadow: var(--shadow-sm);
}

.seo-lead-card {
    background: linear-gradient(135deg, #eff6ff, #ffffff);
    border-color: rgba(37, 99, 235, 0.22);
}

.seo-keyword-card {
    border-left: 4px solid var(--color-primary);
}

.seo-grid-cards {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: var(--spacing-md);
}

.seo-info-card {
    background: var(--color-white);
    border: 1px solid var(--color-gray-200);
    border-radius: 16px;
    padding: var(--spacing-lg);
}

.seo-content-article h3 {
    font-size: 1.15rem;
    color: var(--color-gray-900);
    margin-bottom: 0.75rem;
}

.seo-content-article p {
    color: var(--color-gray-700);
    line-height: 1.75;
    margin: 0;
}

.seo-list {
    margin: 0;
    padding-left: 1.15rem;
    display: flex;
    flex-direction: column;
    gap: 0.45rem;
    color: var(--color-gray-700);
    line-height: 1.65;
}

.seo-list-numbered {
    list-style: decimal;
}

.dream-highlight-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: var(--spacing-md);
}

.dream-highlight-card {
    background: var(--color-white);
    border: 1px solid var(--color-gray-200);
    border-radius: 14px;
    padding: var(--spacing-md);
    box-shadow: var(--shadow-sm);
}

.dream-highlight-card p {
    margin: 0;
    color: var(--color-gray-700);
    line-height: 1.65;
    font-size: 0.95rem;
}

.dream-highlight-label {
    display: inline-flex;
    align-items: center;
    padding: 0.3rem 0.6rem;
    border-radius: 999px;
    margin-bottom: 0.65rem;
    background: var(--color-primary-light);
    color: var(--color-primary-dark);
    font-size: 0.78rem;
    font-weight: 700;
}

/* 결과 액션 버튼 */
.result-actions {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-sm);
    margin-top: var(--spacing-lg);
}

.result-actions .btn {
    padding: var(--spacing-md);
}

/* 가입 기간 혜택 정보 */
.benefits-info {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-sm);
    margin-top: var(--spacing-sm);
    padding: var(--spacing-md);
    background: linear-gradient(135deg, var(--color-primary-light), rgba(37, 99, 235, 0.05));
    border-radius: 12px;
    border: 2px solid var(--color-primary-light);
}

.benefit-item {
    display: flex;
    flex-direction: column;
    gap: 0.25rem;
    padding: var(--spacing-sm);
    background-color: var(--color-white);
    border-radius: 8px;
    text-align: center;
    border: 1px solid var(--color-gray-200);
    transition: all 0.3s ease;
}

.benefit-item:hover {
    border-color: var(--color-primary);
    box-shadow: var(--shadow-md);
}

.benefit-item.active {
    border-color: var(--color-success);
    background: linear-gradient(135deg, rgba(16, 185, 129, 0.1), rgba(16, 185, 129, 0.05));
    box-shadow: var(--shadow-md);
    transform: scale(1.02);
}

.benefit-item.active .benefit-label {
    color: var(--color-success);
}

.benefit-item.active .benefit-rate {
    color: var(--color-success);
}

.benefit-label {
    font-weight: 700;
    font-size: 0.9rem;
    color: var(--color-gray-700);
}

.benefit-rate {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--color-primary);
}

.benefit-detail {
    font-size: 0.8rem;
    color: var(--color-gray-600);
    font-weight: 500;
}

/* ================================
   시뮬레이션 섹션
   ================================ */

.simulation-section {
    margin-bottom: var(--spacing-2xl);
    padding-bottom: var(--spacing-xl);
    border-bottom: 2px solid var(--color-gray-200);
}

.simulation-subtitle {
    text-align: center;
    color: var(--color-gray-600);
    font-size: 1rem;
    margin-bottom: var(--spacing-lg);
}

/* 시뮬레이션 테이블 */
.simulation-table-wrapper {
    overflow-x: auto;
    margin-bottom: var(--spacing-lg);
}

/* 공통 정책/기준표 테이블 */
.common-table-wrapper {
    overflow-x: auto;
    margin-bottom: var(--spacing-lg);
    border-radius: 16px;
    border: 1px solid var(--color-gray-200);
    background-color: var(--color-white);
    box-shadow: var(--shadow-md);
}

.common-table {
    width: 100%;
    border-collapse: collapse;
    min-width: 720px;
}

.common-table thead th {
    background: linear-gradient(135deg, #eff6ff, #f8fafc);
    color: var(--color-primary-dark);
    font-size: 0.9rem;
    font-weight: 700;
    text-align: center;
    padding: 0.9rem 0.75rem;
    border-bottom: 1px solid var(--color-gray-200);
    white-space: nowrap;
}

.common-table tbody td {
    text-align: center;
    padding: 0.9rem 0.75rem;
    border-bottom: 1px solid var(--color-gray-200);
    color: var(--color-gray-700);
    font-size: 0.92rem;
}

.common-table tbody tr:last-child td {
    border-bottom: none;
}

.common-table tbody tr:nth-child(even) {
    background-color: #fafcff;
}

.common-table tbody tr:hover {
    background-color: #f2f7ff;
}

.table-badge {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 70px;
    padding: 0.3rem 0.6rem;
    border-radius: 999px;
    background-color: var(--color-primary-light);
    color: var(--color-primary-dark);
    font-size: 0.8rem;
    font-weight: 700;
}

.table-badge-muted {
    background-color: var(--color-gray-100);
    color: var(--color-gray-700);
}

.table-emphasis {
    color: var(--color-primary-dark);
    font-weight: 700;
}

.policy-table-wrapper .common-table tbody td strong {
    color: var(--color-gray-900);
}

.salary-range-table tbody td {
    font-size: 0.9rem;
}

.simulation-table {
    width: 100%;
    border-collapse: collapse;
    background-color: var(--color-white);
}

.simulation-table tbody tr {
    border-bottom: 1px solid var(--color-gray-200);
}

.simulation-table tbody tr:hover {
    background-color: var(--color-gray-50);
}

/* 금리 셀 */
.rate-cell {
    width: 120px;
    padding: var(--spacing-lg);
    background: linear-gradient(135deg, var(--color-primary-light), rgba(37, 99, 235, 0.05));
    border-right: 2px solid var(--color-primary);
    font-weight: 700;
    text-align: center;
    color: var(--color-primary);
    vertical-align: middle;
}

.rate-label {
    display: flex;
    flex-direction: column;
    gap: 0.25rem;
    line-height: 1.4;
    font-size: 0.9rem;
}

/* 타입 셀 (일반형/우대형) */
.type-cell {
    width: 140px;
    padding: var(--spacing-md) var(--spacing-lg);
    text-align: center;
    vertical-align: middle;
    border-right: 1px solid var(--color-gray-200);
}

.type-name {
    display: block;
    font-weight: 700;
    font-size: 0.95rem;
    color: var(--color-gray-800);
    margin-bottom: 0.25rem;
}

.type-rate {
    display: block;
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--color-success);
}

/* 금액 셀 */
.amount-cell {
    padding: var(--spacing-md) var(--spacing-lg);
    text-align: left;
    vertical-align: middle;
}

.amount-main {
    display: block;
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--color-gray-900);
    margin-bottom: 0.5rem;
    font-family: var(--font-mono);
}

.amount-formula {
    display: block;
    font-size: 0.85rem;
    color: var(--color-gray-600);
    font-family: var(--font-mono);
    letter-spacing: -0.5px;
}

.formula-part {
    display: inline-block;
    font-size: 0.75rem;
    background-color: var(--color-gray-100);
    padding: 0.125rem 0.375rem;
    border-radius: 4px;
    margin-left: 0.25rem;
    color: var(--color-gray-600);
    font-weight: 600;
}

/* 세제 혜택 안내 */
.tax-benefit {
    background: linear-gradient(135deg, rgba(239, 68, 68, 0.05), rgba(239, 68, 68, 0.02));
    border-left: 4px solid var(--color-danger);
    border-radius: 8px;
    padding: var(--spacing-md) var(--spacing-lg);
    margin-top: var(--spacing-lg);
    font-size: 0.95rem;
    color: var(--color-gray-700);
}

.tax-benefit p {
    margin: 0;
}

/* 상단 정보 범위·면책 (금융·정책 도구 공통) */
.content-disclaimer {
    background: var(--color-gray-50);
    border-left: 4px solid var(--color-primary);
    border-radius: 8px;
    padding: var(--spacing-md) var(--spacing-lg);
    margin-top: var(--spacing-md);
    margin-bottom: var(--spacing-md);
    font-size: 0.9rem;
    color: var(--color-gray-700);
    line-height: 1.55;
}

.content-disclaimer p {
    margin: 0;
}

.content-disclaimer p + p {
    margin-top: var(--spacing-sm);
}

.content-disclaimer-meta {
    font-size: 0.85rem;
    color: var(--color-gray-600);
}

.content-disclaimer a {
    color: var(--color-primary);
    text-decoration: underline;
}
.faq-section {
    padding: var(--spacing-2xl) 0;
    background-color: var(--color-white);
}

.calculation-info {
    background-color: var(--color-gray-50);
}

.info-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: var(--spacing-lg);
    margin-top: var(--spacing-xl);
}

.info-box {
    background-color: var(--color-white);
    border-radius: 12px;
    padding: var(--spacing-lg);
    box-shadow: var(--shadow-md);
    border-left: 4px solid var(--color-primary);
}

.info-box h3 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--color-gray-900);
    margin-bottom: var(--spacing-sm);
}

.formula {
    font-family: var(--font-mono);
    background-color: var(--color-gray-100);
    padding: var(--spacing-sm);
    border-radius: 8px;
    margin-bottom: var(--spacing-sm);
    color: var(--color-primary);
    font-weight: 600;
    font-size: 0.9rem;
    overflow-x: auto;
}

.explanation {
    color: var(--color-gray-600);
    font-size: 0.95rem;
    line-height: 1.6;
}

/* ================================
   FAQ 섹션
   ================================ */

.faq-list {
    display: flex;
    flex-direction: column;
    gap: 0.875rem;
    margin-top: var(--spacing-xl);
}

.faq-item {
    background-color: var(--color-white);
    border-radius: 18px;
    border: 1px solid rgba(148, 163, 184, 0.28);
    overflow: hidden;
    transition: all 0.25s ease;
    box-shadow: 0 10px 24px rgba(15, 23, 42, 0.05);
}

.faq-item:hover {
    border-color: rgba(37, 99, 235, 0.35);
    box-shadow: 0 16px 36px rgba(37, 99, 235, 0.08);
}

.faq-item.active {
    border-color: rgba(37, 99, 235, 0.45);
    box-shadow: 0 18px 40px rgba(37, 99, 235, 0.12);
}

.faq-question {
    position: relative;
    width: 100%;
    padding: 1.25rem 4.25rem 1.25rem 1.5rem;
    font-size: 1.02rem;
    font-weight: 700;
    color: var(--color-gray-900);
    cursor: pointer;
    margin: 0;
    line-height: 1.5;
    background: linear-gradient(180deg, rgba(248, 250, 252, 0.96), rgba(255, 255, 255, 1));
}

.faq-question::before,
.faq-question::after {
    content: '';
    position: absolute;
    top: 50%;
    right: 1.5rem;
    width: 14px;
    height: 2px;
    background-color: var(--color-primary);
    border-radius: 999px;
    transition: transform 0.25s ease;
}

.faq-question::before {
    transform: translateY(-50%);
}

.faq-question::after {
    transform: translateY(-50%) rotate(90deg);
}

.faq-item.active .faq-question {
    color: var(--color-primary-dark);
    background: linear-gradient(180deg, rgba(239, 246, 255, 0.98), rgba(255, 255, 255, 1));
}

.faq-item.active .faq-question::after {
    transform: translateY(-50%) rotate(0deg);
}

.faq-answer {
    font-size: 0.95rem;
    color: var(--color-gray-700);
    line-height: 1.6;
    display: none;
    padding: 0 1.5rem 1.35rem;
    background-color: var(--color-white);
}

.faq-answer.show {
    display: block;
}

.faq-answer p {
    margin: 0;
    padding-top: 0.15rem;
    border-top: 1px solid rgba(226, 232, 240, 0.9);
}

/* ================================
   문의하기 페이지
   ================================ */

.contact-layout {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: var(--spacing-lg);
    margin-bottom: var(--spacing-lg);
}

.contact-card {
    background: var(--color-white);
    border: 1px solid var(--color-gray-200);
    border-radius: 16px;
    padding: var(--spacing-lg);
    box-shadow: var(--shadow-md);
}

.contact-title {
    font-size: 1.4rem;
    color: var(--color-gray-900);
    margin-bottom: 0.6rem;
}

.contact-description {
    color: var(--color-gray-600);
    margin-bottom: var(--spacing-md);
}

.contact-channel-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.contact-channel-list li {
    display: flex;
    flex-direction: column;
    gap: 0.25rem;
    padding: 0.85rem 0.95rem;
    border-radius: 12px;
    border: 1px solid rgba(37, 99, 235, 0.2);
    background: linear-gradient(135deg, #eff6ff, #ffffff);
}

.contact-channel-list strong {
    color: var(--color-primary-dark);
    font-size: 0.95rem;
}

.contact-channel-list span {
    color: var(--color-gray-700);
    font-size: 0.9rem;
    line-height: 1.5;
}

.contact-form .input-group {
    margin-bottom: var(--spacing-md);
}

.contact-textarea {
    min-height: 180px;
    resize: vertical;
    line-height: 1.6;
}

.contact-guide-card {
    margin-top: var(--spacing-md);
}

.soldier-compare-board {
    margin-top: var(--spacing-md);
    padding: var(--spacing-md);
    border-radius: 14px;
    background: #e8f1f9;
    border: 1px solid #c6d8ea;
    display: flex;
    flex-direction: column;
    gap: 0.85rem;
}

.soldier-compare-top {
    display: inline-flex;
    align-self: flex-start;
    background: #2f5f97;
    color: #fff;
    padding: 0.45rem 0.75rem;
    border-radius: 8px;
    font-weight: 700;
    font-size: 0.92rem;
}

.soldier-compare-row {
    display: grid;
    grid-template-columns: 140px 1fr 180px;
    gap: 0.7rem;
    align-items: stretch;
}

.soldier-compare-label {
    background: #f4e684;
    border-radius: 8px;
    padding: 0.7rem;
    font-weight: 700;
    color: #334155;
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
}

.soldier-compare-card {
    background: #7fa2cb;
    color: #fff;
    border-radius: 10px;
    padding: 0.75rem 0.9rem;
}

.soldier-compare-card p {
    margin: 0 0 0.35rem 0;
    line-height: 1.45;
    font-size: 0.9rem;
}

.soldier-compare-card p:last-child {
    margin-bottom: 0;
}

.soldier-compare-result {
    background: #1f4f93;
    color: #fff;
    border-radius: 10px;
    padding: 0.75rem;
    font-weight: 700;
    font-size: 1.2rem;
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
}

/* ================================
   푸터
   ================================ */

.footer {
    background-color: var(--color-gray-900);
    color: var(--color-white);
    padding: var(--spacing-2xl) 0 var(--spacing-lg);
    margin-top: var(--spacing-2xl);
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: var(--spacing-lg);
    margin-bottom: var(--spacing-xl);
}

.footer-section h3 {
    font-size: 1.25rem;
    margin-bottom: var(--spacing-md);
}

.footer-section h4 {
    font-size: 1rem;
    margin-bottom: var(--spacing-md);
    font-weight: 600;
}

.footer-section p {
    color: rgba(255, 255, 255, 0.7);
    line-height: 1.6;
}

.footer-section ul {
    list-style: none;
}

.footer-section ul li {
    margin-bottom: 0.5rem;
}

.footer-section a {
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
    transition: color 0.3s ease;
}

.footer-section a:hover {
    color: var(--color-white);
}

.footer-bottom {
    text-align: center;
    padding-top: var(--spacing-lg);
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    color: rgba(255, 255, 255, 0.5);
    font-size: 0.9rem;
}

/* ================================
   탭 (모바일용)
   ================================ */

.calculator-tabs {
    display: none;
    gap: var(--spacing-sm);
    margin-top: var(--spacing-lg);
}

.tab-btn {
    flex: 1;
    padding: var(--spacing-sm);
    border: 2px solid var(--color-gray-300);
    background-color: var(--color-white);
    border-radius: 8px;
    cursor: pointer;
    font-weight: 600;
    transition: all 0.3s ease;
}

.tab-btn.active {
    background-color: var(--color-primary);
    color: var(--color-white);
    border-color: var(--color-primary);
}

/* ================================
   반응형 디자인 (Responsive)
   ================================ */

/* 태블릿 (768px 이하) */
@media (max-width: 768px) {
    /* 헤더 조정 */
    .navbar {
        position: fixed;
        left: -100%;
        top: 70px;
        flex-direction: column;
        background-color: var(--color-white);
        width: 100%;
        text-align: center;
        transition: 0.3s;
        box-shadow: var(--shadow-lg);
        padding: var(--spacing-lg) 0;
    }

    .navbar.active {
        left: 0;
    }

    .nav-menu {
        flex-direction: column;
        gap: var(--spacing-md);
    }

    .nav-item-dropdown {
        width: 100%;
    }

    .nav-item-dropdown::after {
        display: none;
    }

    .nav-dropdown-toggle {
        width: 100%;
        justify-content: center;
    }

    .nav-dropdown-toggle::before {
        transition: transform 0.2s ease;
    }

    .nav-item-dropdown.open .nav-dropdown-toggle::before {
        transform: rotate(-135deg) translateY(-1px);
    }

    .nav-submenu {
        position: static;
        display: none;
        min-width: auto;
        margin-top: 0.5rem;
        box-shadow: none;
        border: 1px solid var(--color-gray-200);
        background-color: var(--color-gray-50);
        text-align: center;
    }

    .nav-item-dropdown:hover .nav-submenu,
    .nav-item-dropdown:focus-within .nav-submenu {
        display: none;
    }

    .nav-item-dropdown.open .nav-submenu {
        display: block;
    }

    /* 햄버거 메뉴 표시 */
    .hamburger {
        display: flex;
    }

    .hamburger.active .bar:nth-child(1) {
        transform: rotate(-45deg) translate(-8px, 8px);
    }

    .hamburger.active .bar:nth-child(2) {
        opacity: 0;
    }

    .hamburger.active .bar:nth-child(3) {
        transform: rotate(45deg) translate(-7px, -7px);
    }

    /* Hero 섹션 */
    .hero {
        grid-template-columns: 1fr;
        padding: var(--spacing-lg) 0;
    }

    .hero-title {
        font-size: 2rem;
    }

    .hero-image {
        height: 250px;
        display: none;
    }

    /* 섹션 제목 */
    .section-title {
        font-size: 1.75rem;
    }

    /* 서비스 카드 */
    .services-grid {
        grid-template-columns: 1fr;
    }

    /* 계산기 레이아웃 */
    .calculator-wrapper {
        grid-template-columns: 1fr;
        gap: var(--spacing-lg);
    }

    .rent-calculator-wrapper {
        grid-template-columns: 1fr;
    }

    .lh-calculator-wrapper {
        grid-template-columns: 1fr;
    }

    .salary-calculator-wrapper {
        grid-template-columns: 1fr;
    }

    .minimum-wage-wrapper {
        grid-template-columns: 1fr;
    }

    .dream-calculator-wrapper {
        grid-template-columns: 1fr;
    }

    .job-policy-wrapper {
        grid-template-columns: 1fr;
    }

    .jeonse-loan-wrapper {
        grid-template-columns: 1fr;
    }

    .jeonse-loan-grid {
        grid-template-columns: 1fr;
    }

    .rent-compare-grid,
    .rent-summary-grid {
        grid-template-columns: 1fr;
    }

    .seo-grid-cards {
        grid-template-columns: 1fr;
    }

    .dream-highlight-grid {
        grid-template-columns: 1fr;
    }

    .calculator-input,
    .calculator-result {
        padding: var(--spacing-md);
    }

    /* 탭 표시 */
    .calculator-tabs {
        display: flex;
    }

    .calculator-input.hidden,
    .calculator-result.hidden {
        display: none;
    }

    /* CTA 섹션 */
    .cta-section h2 {
        font-size: 1.5rem;
    }

    /* 결과 값 */
    .value-amount {
        font-size: 1.25rem;
    }

    .value-large {
        font-size: 1.75rem;
    }

    /* 결과 제목 */
    .result-title-main {
        font-size: 1.35rem;
    }

    .result-header-meta {
        margin-bottom: var(--spacing-md);
    }

    .result-hero {
        padding: var(--spacing-md);
    }

    /* 결과 컴포넌트 */
    .result-component {
        padding: var(--spacing-md);
        flex-direction: column;
        align-items: flex-start;
        gap: var(--spacing-sm);
    }

    .result-component.component-plus {
        margin-left: 0;
    }

    .plus-symbol {
        position: static;
        margin-bottom: var(--spacing-xs);
    }

    .component-value {
        width: 100%;
        justify-content: flex-end;
    }

    .result-hero-amount {
        flex-wrap: wrap;
    }

    /* 정보 그리드 */
    .info-grid,
    .features-grid,
    .faq-list {
        grid-template-columns: 1fr;
    }

    .result-info {
        grid-template-columns: 1fr;
    }

    .contact-layout {
        grid-template-columns: 1fr;
        gap: var(--spacing-md);
    }

    .soldier-compare-row {
        grid-template-columns: 1fr;
    }

    /* 혜택 정보 */
    .benefits-info {
        grid-template-columns: 1fr;
    }

    /* 시뮬레이션 테이블 */
    .simulation-table {
        font-size: 0.85rem;
    }

    .common-table {
        min-width: 640px;
    }

    .rate-cell {
        width: 100px;
        padding: var(--spacing-md);
        font-size: 0.8rem;
    }

    .type-cell {
        width: 100px;
        padding: var(--spacing-sm);
    }

    .amount-cell {
        padding: var(--spacing-sm) var(--spacing-md);
    }

    .amount-main {
        font-size: 1.1rem;
    }

    .amount-formula {
        font-size: 0.75rem;
    }

    .formula-part {
        font-size: 0.65rem;
    }

    /* 푸터 */
    .footer-content {
        grid-template-columns: 1fr;
    }
}

/* 작은 화면 (480px 이하) */
@media (max-width: 480px) {
    .container {
        padding: 0 var(--spacing-xs);
    }

    .header-content {
        height: 60px;
    }

    .main {
        margin-top: 60px;
    }

    .hero-title {
        font-size: 1.5rem;
    }

    .hero-subtitle {
        font-size: 1rem;
    }

    .section-title {
        font-size: 1.5rem;
    }

    .page-header h1 {
        font-size: 1.5rem;
    }

    .page-header p {
        font-size: 1rem;
    }

    .result-title-main {
        font-size: 1.125rem;
    }

    .component-value {
        flex-direction: column;
        align-items: flex-end;
    }

    .value-amount {
        font-size: 1.125rem;
    }

    .value-large {
        font-size: 1.5rem;
    }

    .result-actions {
        flex-direction: column;
    }

    /* 카드 스타일 조정 */
    .service-card,
    .result-card,
    .info-box,
    .faq-item {
        padding: var(--spacing-md);
    }

    /* 폼 입력 */
    .form-input {
        font-size: 16px; /* iOS 줌 방지 */
    }

    /* 금리 프리셋 버튼 */
    .rate-presets {
        flex-wrap: wrap;
    }

    .preset-btn {
        flex: 1 1 calc(50% - 0.5rem);
        min-width: 100px;
    }

    /* 시뮬레이션 섹션 */
    .simulation-table {
        font-size: 0.75rem;
    }

    .common-table {
        min-width: 600px;
    }

    .rate-cell {
        width: 80px;
        padding: var(--spacing-sm);
        font-size: 0.7rem;
    }

    .rate-label {
        font-size: 0.7rem;
    }

    .type-cell {
        width: 80px;
        padding: 0.5rem var(--spacing-sm);
    }

    .type-name {
        font-size: 0.8rem;
    }

    .type-rate {
        font-size: 1rem;
    }

    .amount-cell {
        padding: 0.5rem var(--spacing-sm);
    }

    .amount-main {
        font-size: 0.95rem;
    }

    .amount-formula {
        font-size: 0.7rem;
    }

    .formula-part {
        font-size: 0.6rem;
    }
}

/* ================================
   혜택 이미지 테이블
   ================================ */

.benefits-image-section {
    margin-top: var(--spacing-2xl);
    padding-top: var(--spacing-xl);
    border-top: 2px solid var(--color-gray-200);
}

.join-conditions-section {
    margin-top: var(--spacing-2xl);
    padding-top: var(--spacing-xl);
    border-top: 2px solid var(--color-gray-200);
}

.condition-overview {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: var(--spacing-md);
    margin: var(--spacing-xl) 0;
}

.condition-overview-item {
    background: linear-gradient(135deg, rgba(37, 99, 235, 0.12), rgba(255, 255, 255, 0.95));
    border: 1px solid rgba(37, 99, 235, 0.2);
    border-radius: 14px;
    padding: var(--spacing-md);
    display: flex;
    flex-direction: column;
    gap: 0.3rem;
}

.condition-label {
    font-size: 0.85rem;
    color: var(--color-gray-600);
    font-weight: 600;
}

.condition-value {
    font-size: 1.15rem;
    color: var(--color-gray-900);
    font-weight: 700;
}

.condition-cards {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: var(--spacing-lg);
}

.condition-card {
    background: var(--color-white);
    border-radius: 16px;
    border: 1px solid var(--color-gray-200);
    padding: var(--spacing-lg);
    box-shadow: var(--shadow-md);
}

.condition-card-head {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: var(--spacing-sm);
    margin-bottom: var(--spacing-md);
}

.condition-chip {
    display: inline-flex;
    align-items: center;
    padding: 0.35rem 0.75rem;
    border-radius: 999px;
    background-color: var(--color-primary-light);
    color: var(--color-primary);
    font-size: 0.8rem;
    font-weight: 700;
}

.condition-rate {
    color: var(--color-primary-dark);
    font-size: 1rem;
    font-weight: 700;
}

.condition-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.6rem;
}

.condition-list li {
    position: relative;
    padding-left: 1.4rem;
    color: var(--color-gray-700);
    font-size: 0.95rem;
    line-height: 1.5;
}

.condition-list li::before {
    content: '•';
    position: absolute;
    left: 0.35rem;
    color: var(--color-primary);
    font-weight: 700;
}

.condition-card-highlight {
    border-color: rgba(16, 185, 129, 0.35);
    background: linear-gradient(135deg, rgba(16, 185, 129, 0.08), rgba(255, 255, 255, 0.98));
}

.condition-card-highlight .condition-chip {
    background-color: rgba(16, 185, 129, 0.14);
    color: #047857;
}

.condition-card-highlight .condition-rate {
    color: #047857;
}

.condition-note {
    margin-top: var(--spacing-lg);
    padding: var(--spacing-md) var(--spacing-lg);
    border-radius: 12px;
    border-left: 4px solid var(--color-warning);
    background: linear-gradient(135deg, rgba(245, 158, 11, 0.1), rgba(255, 255, 255, 0.9));
    color: var(--color-gray-700);
    font-size: 0.92rem;
}

.condition-note p {
    margin: 0;
}

.benefits-image-table {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-lg);
    margin-top: var(--spacing-xl);
}

.benefit-row {
    display: flex;
    align-items: center;
    background-color: var(--color-white);
    border-radius: 16px;
    padding: var(--spacing-lg);
    box-shadow: var(--shadow-md);
    border: 2px solid var(--color-gray-100);
    transition: all 0.3s ease;
}

.benefit-row:hover {
    border-color: var(--color-primary-light);
    box-shadow: var(--shadow-lg);
    transform: translateY(-2px);
}

.benefit-image-cell {
    flex-shrink: 0;
    margin-right: var(--spacing-lg);
}

.benefit-icon {
    width: 64px;
    height: 64px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, var(--color-primary-light), rgba(37, 99, 235, 0.1));
    border-radius: 50%;
    color: var(--color-primary);
    border: 2px solid var(--color-primary-light);
}

.benefit-content-cell {
    flex: 1;
}

.benefit-title {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--color-gray-900);
    margin-bottom: var(--spacing-sm);
}

.benefit-description {
    color: var(--color-gray-600);
    font-size: 1rem;
    line-height: 1.6;
    margin: 0;
}

/* 모바일 반응형 */
@media (max-width: 768px) {
    .condition-overview {
        grid-template-columns: 1fr;
    }

    .condition-cards {
        grid-template-columns: 1fr;
        gap: var(--spacing-md);
    }

    .condition-card {
        padding: var(--spacing-md);
    }

    .benefit-row {
        flex-direction: column;
        text-align: center;
        padding: var(--spacing-md);
    }

    .benefit-image-cell {
        margin-right: 0;
        margin-bottom: var(--spacing-md);
    }

    .benefit-icon {
        width: 56px;
        height: 56px;
    }

    .benefit-title {
        font-size: 1.1rem;
    }

    .benefit-description {
        font-size: 0.95rem;
    }
}

    .formula-part {
        font-size: 0.6rem;
        padding: 0.1rem 0.25rem;
    }

    .tax-benefit {
        padding: var(--spacing-sm) var(--spacing-md);
        font-size: 0.85rem;
    }

    /* 혜택 정보 */
    .benefit-item {
        padding: 0.5rem var(--spacing-xs);
    }

    .benefit-label {
        font-size: 0.8rem;
    }

    .benefit-rate {
        font-size: 1.25rem;
    }

    .benefit-detail {
        font-size: 0.7rem;
    }

/* ================================
   유틸리티 클래스
   ================================ */

.hidden {
    display: none !important;
}

.text-center {
    text-align: center;
}

.mt-lg {
    margin-top: var(--spacing-lg);
}

.mb-lg {
    margin-bottom: var(--spacing-lg);
}

.fade-in {
    animation: fadeIn 0.5s ease;
}

@keyframes fadeIn {
    from {
        opacity: 0;
    }
    to {
        opacity: 1;
    }
}

/* 숫자 카운트 애니메이션 */
@keyframes countUp {
    from {
        opacity: 0;
        transform: translateY(10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.count-up {
    animation: countUp 0.5s ease;
}