/* ══════════════════════════════════════════════════
   차용원장 — 반응형 웹사이트
   모바일 우선 · 600 / 900 / 1100 에서 확장
   ══════════════════════════════════════════════════ */

:root{
  --bg:#FFFFFF;
  --bg-alt:#F5F6F3;
  --surface:#FFFFFF;
  --surface-2:#F1F2EF;
  --ink:#14161A;
  --ink-2:#5C6268;
  --ink-3:#666B70;
  --line:#E3E4DF;
  --line-2:#CFD1CB;

  --brand:#0E5C55;
  --on-brand:#FFFFFF;
  --brand-ink:#0A423D;
  --brand-soft:#E2EFED;

  --warn:#8A5A00;
  --warn-soft:#FAF1DE;
  --danger:#B3261E;
  --danger-soft:#FBEBEA;

  --r-sm:8px;
  --r-md:14px;
  --r-lg:20px;
  --r-xl:28px;

  --shadow-sm:0 1px 2px rgba(20,22,26,.05);
  --shadow:0 2px 4px rgba(20,22,26,.04), 0 12px 32px rgba(20,22,26,.07);

  --pad:clamp(18px, 5vw, 32px);
  --dock-h:0px;
}

@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    --bg:#111417;
    --bg-alt:#161A1D;
    --surface:#181C1F;
    --surface-2:#202528;
    --ink:#ECEEF0;
    --ink-2:#A0A7AC;
    --ink-3:#949BA1;
    --line:#272C30;
    --line-2:#343A3F;
    --brand:#5FC5B6;
    --on-brand:#0B211E;
    --brand-ink:#93DCD1;
    --brand-soft:#12302C;
    --warn:#D8AC63;
    --warn-soft:#2A2416;
    --danger:#E58A80;
    --danger-soft:#2D1A18;
    --shadow-sm:0 1px 2px rgba(0,0,0,.4);
    --shadow:0 2px 4px rgba(0,0,0,.3), 0 12px 32px rgba(0,0,0,.4);
  }
}

/* 밝은 OS 를 쓰는 사람이 다크를 고른 경우. 이 블록이 없으면
   테마 선택이 한쪽 방향으로만 동작한다. */
:root[data-theme="dark"]{
    --bg:#111417;
    --bg-alt:#161A1D;
    --surface:#181C1F;
    --surface-2:#202528;
    --ink:#ECEEF0;
    --ink-2:#A0A7AC;
    --ink-3:#949BA1;
    --line:#272C30;
    --line-2:#343A3F;
    --brand:#5FC5B6;
    --on-brand:#0B211E;
    --brand-ink:#93DCD1;
    --brand-soft:#12302C;
    --warn:#D8AC63;
    --warn-soft:#2A2416;
    --danger:#E58A80;
    --danger-soft:#2D1A18;
    --shadow-sm:0 1px 2px rgba(0,0,0,.4);
    --shadow:0 2px 4px rgba(0,0,0,.3), 0 12px 32px rgba(0,0,0,.4);
  }

*{box-sizing:border-box;}

body{
  margin:0;
  background:var(--bg);
  color:var(--ink);
  font-family:"Gothic A1","Apple SD Gothic Neo","Malgun Gothic",sans-serif;
  font-size:16px;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
  -webkit-text-size-adjust:100%;
  overflow-x:hidden;
}
html{scroll-behavior:smooth;}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto;}
  *{animation:none!important;transition:none!important;}
}

button{font-family:inherit;}
:focus-visible{outline:2.5px solid var(--brand);outline-offset:2px;border-radius:4px;}

.skip{
  position:absolute;left:-9999px;top:0;z-index:100;
  background:var(--brand);color:var(--on-brand);padding:12px 18px;border-radius:0 0 8px 0;
}
.skip:focus{left:0;}

.wrap{
  width:100%;max-width:1160px;
  margin:0 auto;padding-inline:var(--pad);
}
.wrap--narrow{max-width:780px;}
.is-hidden{display:none !important;}

/* ══════════ 헤더 ══════════ */
.site-header{
  position:sticky;top:0;z-index:40;
  background:color-mix(in srgb, var(--bg) 88%, transparent);
  backdrop-filter:saturate(180%) blur(12px);
  border-bottom:1px solid var(--line);
}
.header-inner{
  display:flex;align-items:center;justify-content:space-between;
  gap:16px;height:60px;
}
/* 로고는 통 SVG 워드마크다. 고운바탕(OFL) 아웃라인을 뽑아
   자간을 넓히고 세로로 1.06 늘려 조판했다. currentColor라 테마를 따라간다. */
.logo{
  display:inline-flex;align-items:center;gap:9px;flex:none;
  color:var(--ink);text-decoration:none;
  transition:color .18s;
}
.logo:hover{color:var(--brand);}
.logo-sym{display:block;height:21px;width:auto;flex:none;}
.logo-wm{display:block;height:22px;width:auto;}
@media (min-width:600px){ .logo-wm{height:24px;} .logo-sym{height:23px;} }

.nav{display:flex;align-items:center;gap:6px;}
.nav-link{
  display:none;padding:8px 12px;border-radius:8px;
  font-size:14.5px;font-weight:500;letter-spacing:-.01em;
  color:var(--ink-2);text-decoration:none;
}
.nav-link:hover{background:var(--surface-2);color:var(--ink);}
@media (min-width:600px){ .nav-link{display:inline-block;} }

/* ══════════ 버튼 ══════════ */
.btn{
  display:inline-flex;align-items:center;justify-content:center;
  border:none;border-radius:var(--r-md);
  font-size:16px;font-weight:700;letter-spacing:-.015em;
  padding:15px 24px;cursor:pointer;text-decoration:none;
  transition:opacity .15s, transform .08s, background .15s;
  white-space:nowrap;
}
.btn:active{transform:scale(.985);}
.btn--primary{background:var(--brand);color:var(--on-brand);}
.btn--primary:hover{opacity:.9;}
.btn--quiet{
  background:var(--surface-2);color:var(--ink);
  border:1px solid var(--line);
}
.btn--quiet:hover{background:var(--line);}
.btn--sm{padding:9px 16px;font-size:14.5px;border-radius:10px;}
.btn--lg{padding:17px 30px;font-size:17px;}
.btn--block{display:flex;width:100%;}
.btn:disabled{cursor:not-allowed;opacity:.6;}
.btn:disabled:active{transform:none;}

/* ══════════ 히어로 ══════════ */
.hero{padding:clamp(48px,9vw,96px) 0 clamp(44px,7vw,80px);}
.hero-grid{display:grid;gap:clamp(40px,7vw,64px);align-items:center;}
.eyebrow{
  margin:0 0 16px;font-size:12.5px;font-weight:700;
  letter-spacing:.09em;color:var(--brand);text-transform:uppercase;
}
.hero h1{
  margin:0;
  font-size:clamp(32px,6.4vw,54px);
  font-weight:800;line-height:1.2;letter-spacing:-.04em;
  text-wrap:balance;
}
.lead{
  margin:20px 0 0;max-width:46ch;
  font-size:clamp(15.5px,1.7vw,18px);
  color:var(--ink-2);letter-spacing:-.01em;
}
.hero-cta{display:flex;flex-wrap:wrap;gap:10px;margin-top:32px;}
.hero-cta .btn{flex:1 1 auto;min-width:150px;}
@media (min-width:600px){ .hero-cta .btn{flex:0 0 auto;} }

.assure{
  list-style:none;padding:0;margin:34px 0 0;
  display:flex;flex-direction:column;gap:10px;
}
.assure li{
  display:flex;align-items:center;gap:9px;
  font-size:14.5px;color:var(--ink-2);letter-spacing:-.01em;
}
.assure svg{
  width:16px;height:16px;flex:none;color:var(--brand);
  fill:none;stroke:currentColor;stroke-width:1.9;
  stroke-linecap:round;stroke-linejoin:round;
}

/* 히어로 시각 */
.hero-visual{position:relative;justify-self:center;width:100%;max-width:340px;padding-bottom:14px;}
.mini-paper{
  background:var(--surface);border:1px solid var(--line);
  border-radius:var(--r-lg);box-shadow:var(--shadow);
  padding:30px 26px 26px;transform:rotate(-1.5deg);
}
.mini-title{
  margin:0 0 18px;text-align:center;
  font-size:17px;font-weight:700;letter-spacing:.24em;padding-left:.24em;
}
.mini-amount{
  margin:0;text-align:center;font-size:19px;font-weight:700;
  padding-top:12px;border-top:1.5px solid var(--ink);letter-spacing:-.01em;
}
.mini-sub{
  margin:2px 0 14px;text-align:center;
  font-family:"IBM Plex Mono",monospace;font-size:11.5px;color:var(--ink-3);
  padding-bottom:12px;border-bottom:1.5px solid var(--ink);
}
.mini-line{
  display:block;height:8px;border-radius:4px;
  background:var(--surface-2);margin-bottom:10px;
}
.w100{width:100%;} .w95{width:95%;} .w90{width:90%;}
.w70{width:70%;} .w60{width:60%;} .w40{width:40%;}
.mini-sign{display:flex;gap:14px;margin-top:26px;}
.mini-sign .mini-line{flex:1;margin:0;}
.hero-badge{
  position:absolute;right:0;bottom:-4px;
  background:var(--brand);color:var(--on-brand);
  padding:12px 18px;border-radius:var(--r-md);
  box-shadow:var(--shadow);
}
.hero-badge strong{display:block;font-size:19px;letter-spacing:-.02em;}
.hero-badge span{display:block;font-size:11.5px;opacity:.92;}

@media (min-width:900px){
  .hero-grid{grid-template-columns:1.15fr .85fr;}
  .hero-visual{max-width:380px;justify-self:end;}
}

/* ══════════ 밴드 ══════════ */
.band{
  background:var(--bg-alt);
  border-block:1px solid var(--line);
  padding:clamp(48px,7vw,84px) 0;
}
.sec-title{
  margin:0;font-size:clamp(24px,3.4vw,34px);
  font-weight:800;letter-spacing:-.03em;line-height:1.28;
  text-wrap:balance;
}
.sec-lead{margin:12px 0 0;color:var(--ink-2);font-size:15.5px;letter-spacing:-.01em;}

.steps-grid{
  list-style:none;padding:0;margin:36px 0 0;
  display:grid;gap:14px;
}
.steps-grid li{
  background:var(--surface);border:1px solid var(--line);
  border-radius:var(--r-lg);padding:26px 24px 28px;
}
.step-no{
  display:block;font-family:"IBM Plex Mono",monospace;
  font-size:13px;font-weight:500;color:var(--brand);margin-bottom:14px;
}
.steps-grid h3{margin:0 0 8px;font-size:17.5px;font-weight:700;letter-spacing:-.02em;}
.steps-grid p{margin:0;font-size:14.5px;color:var(--ink-2);line-height:1.65;}
@media (min-width:760px){ .steps-grid{grid-template-columns:repeat(3,1fr);gap:18px;} }

/* ══════════ 작성 영역 ══════════ */
.writer{padding:clamp(48px,7vw,84px) 0 clamp(60px,8vw,100px);}
.writer-head{margin-bottom:32px;}
.writer-grid{display:grid;gap:24px;align-items:start;}

@media (min-width:1100px){
  .writer-grid{grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:40px;}
  .preview-inner{
    position:sticky;top:84px;
    max-height:calc(100vh - 108px);
    overflow-y:auto;
    scrollbar-width:thin;
    padding-right:4px;
  }
}

/* ── 카드 ── */
.form{display:flex;flex-direction:column;gap:16px;margin:0;}
.card{
  margin:0;border:1px solid var(--line);border-radius:var(--r-lg);
  background:var(--surface);padding:24px var(--card-pad,22px) 26px;
  min-width:0;
}
.card-title{
  float:left;width:100%;padding:0;margin:0 0 4px;
  font-size:17px;font-weight:700;letter-spacing:-.02em;color:var(--ink);
}
.card > .card-title ~ *{clear:both;}
.card::after{content:"";display:table;clear:both;}
.card-note{margin:2px 0 0;font-size:13.5px;color:var(--ink-3);}

/* 마무리 카드 — 선택 표시와 경고 문구 */
.card-opt{
  margin-left:8px;padding:2px 8px;border-radius:999px;vertical-align:2px;
  background:var(--surface-2);color:var(--ink-3);
  font-size:11.5px;font-weight:600;letter-spacing:0;
}
.sub-title{
  margin:22px 0 2px;padding-top:16px;border-top:1px solid var(--line);
  font-size:14px;font-weight:600;color:var(--ink-2);
}
.hint--warn{
  margin-top:10px;padding:12px 14px;border-radius:var(--r-md);
  background:var(--warn-soft);color:var(--warn);
}

/* ── 금액 ── */
.amount-field{
  display:flex;align-items:baseline;gap:6px;
  margin:22px 0 0;padding-bottom:11px;
  border-bottom:2px solid var(--ink);
}
.amount-input{
  flex:1;min-width:0;width:100%;
  border:none;background:none;padding:0;
  font-family:"IBM Plex Mono",monospace;
  font-size:clamp(28px,6vw,36px);font-weight:500;
  color:var(--ink);letter-spacing:-.025em;
  font-variant-numeric:tabular-nums;
}
.amount-input:focus{outline:none;}
.amount-input::placeholder{color:var(--ink-3);}
.amount-unit{font-size:19px;font-weight:700;flex:none;}
.amount-hangul{
  margin:11px 0 0;font-size:14px;font-weight:600;
  color:var(--brand);letter-spacing:-.01em;min-height:22px;
}

/* ── 칩 ── */
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:18px 0 0;}
.chip{
  padding:9px 14px;border:1px solid var(--line-2);
  background:var(--surface);color:var(--ink);
  border-radius:999px;font-size:14px;font-weight:500;
  cursor:pointer;letter-spacing:-.01em;
  transition:background .15s, border-color .15s;
}
.chip:hover{background:var(--surface-2);border-color:var(--ink-3);}
.chip:active{transform:scale(.97);}
.chip--ghost{color:var(--ink-3);}

/* ── 입력 ── */
.lbl{
  display:block;margin:20px 0 7px;
  font-size:13px;font-weight:600;color:var(--ink-2);
}
.card > .lbl:first-of-type{margin-top:22px;}
.input{
  width:100%;padding:13px 15px;
  border:1.5px solid var(--line-2);border-radius:var(--r-md);
  background:var(--surface);color:var(--ink);
  font-size:16px;font-family:inherit;letter-spacing:-.01em;
  transition:border-color .15s;
}
.input:focus{outline:none;border-color:var(--brand);}
.input::placeholder{color:var(--ink-3);}
.textarea{resize:vertical;line-height:1.6;}
.row{display:flex;align-items:center;gap:10px;}
.row .input{flex:1;min-width:0;}
.suffix{font-size:14px;color:var(--ink-2);font-weight:500;flex:none;white-space:nowrap;}
.hint{margin:8px 0 0;font-size:13px;line-height:1.55;color:var(--ink-3);}
.hint b{color:var(--ink-2);font-weight:600;}
.sub{margin-top:14px;}


/* ── 날짜 입력 ────────────────────────────────
   브라우저 기본 달력 아이콘은 작고 다크모드에서 배경에 묻힌다.
   눌러야 할 곳이 보이도록 직접 그려 넣는다. */
input[type="date"].input{
  padding-right:12px;
  font-variant-numeric:tabular-nums;
}
input[type="date"].input::-webkit-calendar-picker-indicator{
  width:26px;height:26px;margin:0;padding:0;
  background-image:url("data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%2024%2024%22%20fill%3D%22none%22%20stroke%3D%22%235C6268%22%20stroke-width%3D%221.8%22%20stroke-linecap%3D%22round%22%20stroke-linejoin%3D%22round%22%3E%3Crect%20x%3D%223.5%22%20y%3D%225%22%20width%3D%2217%22%20height%3D%2215.5%22%20rx%3D%222.5%22%2F%3E%3Cpath%20d%3D%22M3.5%209.5h17M8%203v4M16%203v4%22%2F%3E%3Ccircle%20cx%3D%228.5%22%20cy%3D%2214%22%20r%3D%221.15%22%20fill%3D%22%235C6268%22%20stroke%3D%22none%22%2F%3E%3Ccircle%20cx%3D%2212%22%20cy%3D%2214%22%20r%3D%221.15%22%20fill%3D%22%235C6268%22%20stroke%3D%22none%22%2F%3E%3C%2Fsvg%3E");
  background-size:22px 22px;background-position:center;background-repeat:no-repeat;
  opacity:.9;cursor:pointer;border-radius:7px;
  transition:opacity .15s, background-color .15s;
}
input[type="date"].input:hover::-webkit-calendar-picker-indicator{
  opacity:1;background-color:var(--surface-2);
}
input[type="date"].input:focus::-webkit-calendar-picker-indicator{opacity:1;}
input[type="date"].input::-webkit-datetime-edit{padding:0;}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]) input[type="date"].input::-webkit-calendar-picker-indicator{
    background-image:url("data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%2024%2024%22%20fill%3D%22none%22%20stroke%3D%22%23A0A7AC%22%20stroke-width%3D%221.8%22%20stroke-linecap%3D%22round%22%20stroke-linejoin%3D%22round%22%3E%3Crect%20x%3D%223.5%22%20y%3D%225%22%20width%3D%2217%22%20height%3D%2215.5%22%20rx%3D%222.5%22%2F%3E%3Cpath%20d%3D%22M3.5%209.5h17M8%203v4M16%203v4%22%2F%3E%3Ccircle%20cx%3D%228.5%22%20cy%3D%2214%22%20r%3D%221.15%22%20fill%3D%22%23A0A7AC%22%20stroke%3D%22none%22%2F%3E%3Ccircle%20cx%3D%2212%22%20cy%3D%2214%22%20r%3D%221.15%22%20fill%3D%22%23A0A7AC%22%20stroke%3D%22none%22%2F%3E%3C%2Fsvg%3E");
  }
}
:root[data-theme="dark"] input[type="date"].input::-webkit-calendar-picker-indicator{
  background-image:url("data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%2024%2024%22%20fill%3D%22none%22%20stroke%3D%22%23A0A7AC%22%20stroke-width%3D%221.8%22%20stroke-linecap%3D%22round%22%20stroke-linejoin%3D%22round%22%3E%3Crect%20x%3D%223.5%22%20y%3D%225%22%20width%3D%2217%22%20height%3D%2215.5%22%20rx%3D%222.5%22%2F%3E%3Cpath%20d%3D%22M3.5%209.5h17M8%203v4M16%203v4%22%2F%3E%3Ccircle%20cx%3D%228.5%22%20cy%3D%2214%22%20r%3D%221.15%22%20fill%3D%22%23A0A7AC%22%20stroke%3D%22none%22%2F%3E%3Ccircle%20cx%3D%2212%22%20cy%3D%2214%22%20r%3D%221.15%22%20fill%3D%22%23A0A7AC%22%20stroke%3D%22none%22%2F%3E%3C%2Fsvg%3E");
}

/* ── 2열 묶음 ── */
.pair{display:grid;gap:16px;margin-top:18px;}
.pair > *{min-width:0;}
@media (min-width:560px){ .pair{grid-template-columns:1fr 1fr;gap:18px;} }

.party{
  background:var(--surface-2);border-radius:var(--r-md);
  padding:16px 16px 20px;
}
.party .lbl:first-of-type{margin-top:12px;}
.party-tag{margin:0;font-size:12px;font-weight:700;letter-spacing:.015em;}
.party-tag--lender{color:var(--brand);}
.party-tag--borrower{color:var(--ink-2);}

/* ── 세그먼트 ── */
.seg{
  display:flex;gap:4px;padding:4px;
  background:var(--surface-2);border-radius:var(--r-md);
}
.seg--wide{margin-top:20px;}
.seg-btn{
  flex:1;padding:11px 8px;border:none;border-radius:10px;
  background:none;color:var(--ink-2);
  font-size:14.5px;font-weight:600;cursor:pointer;letter-spacing:-.01em;
  transition:background .15s,color .15s;
}
.seg-btn.is-on{background:var(--surface);color:var(--ink);box-shadow:var(--shadow-sm);}

/* ── 스위치 ── */
.switch{display:flex;align-items:center;gap:12px;margin:22px 0 0;cursor:pointer;}
.switch input{position:absolute;opacity:0;width:0;height:0;}
.switch-track{
  width:46px;height:28px;flex:none;border-radius:999px;
  background:var(--line-2);position:relative;transition:background .2s;
}
.switch-knob{
  position:absolute;top:3px;left:3px;width:22px;height:22px;border-radius:50%;
  background:#fff;box-shadow:0 1px 3px rgba(0,0,0,.25);
  transition:transform .2s cubic-bezier(.4,0,.2,1);
}
.switch input:checked + .switch-track{background:var(--brand);}
.switch input:checked + .switch-track .switch-knob{transform:translateX(18px);}
.switch input:focus-visible + .switch-track{outline:2.5px solid var(--brand);outline-offset:2px;}
.switch-label{font-size:15px;letter-spacing:-.01em;}

/* ── 이자율 ── */
.rate-row{display:grid;gap:14px;margin-top:20px;align-items:center;}
@media (min-width:520px){ .rate-row{grid-template-columns:auto 1fr;gap:24px;} }
.rate-display{display:flex;align-items:baseline;gap:5px;margin:0;}
.rate-num{
  display:inline-block;
  min-width:4ch;              /* 0 ~ 19.9 전부 같은 폭. 안 그러면 옆 슬라이더가 밀린다 */
  text-align:right;
  font-family:"IBM Plex Mono",monospace;
  font-size:clamp(38px,7vw,48px);font-weight:500;line-height:1;
  letter-spacing:-.045em;font-variant-numeric:tabular-nums;
}
.rate-unit{font-size:17px;font-weight:700;color:var(--ink-2);}
.rate-unit em{
  display:block;font-style:normal;font-size:11.5px;
  font-weight:500;color:var(--ink-3);margin-top:2px;
}
.rate-control{min-width:0;}

.slider{
  -webkit-appearance:none;appearance:none;
  width:100%;height:32px;background:none;cursor:pointer;margin:0;display:block;
  touch-action:none;                /* 드래그 중 화면이 같이 스크롤되지 않게 */
}
.slider:focus-visible{outline:none;}
.slider:focus-visible::-webkit-slider-thumb{box-shadow:0 0 0 5px var(--brand-soft);}
.slider:focus-visible::-moz-range-thumb{box-shadow:0 0 0 5px var(--brand-soft);}
.slider::-webkit-slider-runnable-track{height:6px;border-radius:3px;background:var(--line-2);}
.slider::-moz-range-track{height:6px;border-radius:3px;background:var(--line-2);}
.slider::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;
  width:28px;height:28px;margin-top:-11px;border-radius:50%;
  background:var(--surface);border:2.5px solid var(--brand);
  box-shadow:0 2px 6px rgba(20,22,26,.2);
}
.slider::-moz-range-thumb{
  width:24px;height:24px;border-radius:50%;
  background:var(--surface);border:2.5px solid var(--brand);
  box-shadow:0 2px 6px rgba(20,22,26,.2);
}
.slider-scale{
  display:flex;justify-content:space-between;
  font-family:"IBM Plex Mono",monospace;font-size:11.5px;color:var(--ink-3);
}

/* ══════════ 미리보기 ══════════ */
.preview-inner{display:flex;flex-direction:column;gap:16px;contain:layout;}

.summary{
  background:var(--brand);color:var(--on-brand);
  border-radius:var(--r-lg);padding:24px 22px;
}
.summary-label{margin:0;font-size:13px;opacity:.82;font-weight:500;}
.summary-amount{
  margin:5px 0 0;
  font-family:"IBM Plex Mono",monospace;
  font-size:clamp(28px,4.6vw,34px);font-weight:500;
  letter-spacing:-.035em;font-variant-numeric:tabular-nums;
}
.summary-amount small{font-size:.56em;margin-left:3px;}
.summary-hangul{margin:5px 0 0;font-size:13.5px;opacity:.85;}
.summary-real{
  margin:14px 0 0;padding:9px 12px;
  background:rgba(255,255,255,.16);border-radius:9px;
  font-size:13px;font-weight:600;
}
.summary-kv{
  margin:18px 0 0;padding:16px 0 0;
  border-top:1px solid rgba(255,255,255,.22);
  display:grid;gap:9px;
}
.kv-row{display:flex;justify-content:space-between;gap:14px;font-size:13.5px;}
.kv-row dt{margin:0;opacity:.8;flex:none;}
.kv-row dd{margin:0;font-weight:600;text-align:right;word-break:keep-all;}
.mono{font-family:"IBM Plex Mono",monospace;font-variant-numeric:tabular-nums;}

.notices{display:flex;flex-direction:column;gap:10px;}
.notices:empty{display:none;}
.note{padding:15px 16px;border-radius:var(--r-md);font-size:13.5px;line-height:1.6;}
.note b{font-weight:700;}
.note-title{display:block;font-weight:700;margin-bottom:3px;}
.note--info{background:var(--brand-soft);color:var(--brand-ink);}
.note--warn{background:var(--warn-soft);color:var(--warn);}
.note--danger{background:var(--danger-soft);color:var(--danger);}

.sched{
  border:1px solid var(--line);border-radius:var(--r-md);
  background:var(--surface);
}
.sched > summary{
  padding:14px 16px;cursor:pointer;
  font-size:14px;font-weight:600;letter-spacing:-.01em;
}
.sched[open] > summary{border-bottom:1px solid var(--line);}
.table-scroll{overflow-x:auto;}
.schedule{border-collapse:collapse;width:100%;min-width:360px;font-size:12.5px;}
.schedule th,.schedule td{
  padding:8px 12px;text-align:right;border-bottom:1px solid var(--line);
  font-family:"IBM Plex Mono",monospace;font-variant-numeric:tabular-nums;white-space:nowrap;
}
.schedule th{
  font-family:inherit;font-size:11.5px;font-weight:600;
  color:var(--ink-2);background:var(--surface-2);
}
.schedule th:first-child,.schedule td:first-child{text-align:left;}
.schedule tbody tr:last-child td{border-bottom:none;}
.schedule tfoot td{font-weight:600;background:var(--surface-2);border-bottom:none;}

/* ── 문서 ── */
.paper{
  background:#fff;color:#14161A;
  border:1px solid var(--line);border-radius:var(--r-md);
  padding:clamp(24px,5vw,34px) clamp(20px,4.5vw,30px);
  position:relative;overflow:hidden;
  font-size:13.5px;line-height:1.85;
}
.paper::before{
  content:"서명 미완료";
  position:absolute;top:42%;left:50%;
  transform:translate(-50%,-50%) rotate(-24deg);
  font-size:clamp(34px,8vw,52px);font-weight:800;letter-spacing:.08em;
  color:rgba(179,38,30,.075);pointer-events:none;white-space:nowrap;
}
.paper h3{
  margin:0 0 24px;text-align:center;
  font-size:21px;font-weight:700;letter-spacing:.24em;padding-left:.24em;
}
.doc-amount{
  text-align:center;margin:0 0 24px;padding:13px 0;
  border-block:1.5px solid #14161A;
  font-size:17px;font-weight:700;letter-spacing:-.01em;
}
.doc-amount span{
  display:block;font-family:"IBM Plex Mono",monospace;
  font-size:12.5px;font-weight:400;color:#5C6268;margin-top:3px;
}
/* 미리보기 차용증 안의 조항 문단. 내어쓰기로 "제1조" 가 왼쪽에 튀어나오게 한다.
   .paper 로 묶어 둔다. 서명 화면도 같은 이름(.clause)을 쓰는데,
   묶지 않으면 그쪽 인라인 요소가 2.1em 왼쪽으로 밀려 카드 밖으로 나간다. */
.paper .clause{margin:0 0 12px;padding-left:2.1em;text-indent:-2.1em;}
.paper .clause b{font-weight:700;}
.doc-note{
  margin:22px 0 0;padding:13px 14px;
  background:#F5F6F3;border-radius:8px;
  font-size:11.5px;line-height:1.65;color:#5C6268;
}
.doc-sign{margin-top:28px;padding-top:20px;border-top:1px solid #E3E4DF;}
.doc-date{text-align:center;margin:0 0 22px;font-size:14px;font-weight:600;}
.sign-row{
  display:flex;justify-content:space-between;align-items:flex-end;gap:14px;
  padding:13px 0;border-bottom:1px dashed #CFD1CB;
}
.sign-row:last-child{border-bottom:none;}
.sign-who{margin:0;font-size:12px;color:#5C6268;}
.sign-name{margin:3px 0 0;font-size:15px;font-weight:700;}
.sign-blank{
  flex:none;width:92px;text-align:center;font-size:10.5px;color:#93999E;
  border-bottom:1px solid #93999E;padding-bottom:2px;
}

.preview-actions{display:flex;flex-direction:column;gap:10px;}
.preview-note{margin:4px 0 0;font-size:12.5px;line-height:1.6;color:var(--ink-3);}


/* ══════════ 배너 · 보관함 ══════════ */
.banner{
  display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;
  gap:14px 20px;margin:0 0 20px;padding:18px 20px;
  background:var(--warn-soft);border-radius:var(--r-lg);
}
.banner--info{background:var(--brand-soft);}
.banner-body{min-width:0;}
.banner-title{margin:0;font-size:15px;font-weight:700;letter-spacing:-.015em;color:var(--warn);}
.banner--info .banner-title{color:var(--brand-ink);}
.banner-note{margin:4px 0 0;font-size:13.5px;line-height:1.6;color:var(--warn);opacity:.92;}
.banner--info .banner-note{color:var(--brand-ink);}
.banner-act{display:flex;gap:8px;flex:none;}

.act-row{display:grid;grid-template-columns:1fr 1fr;gap:10px;}
.act-msg{
  margin:0;min-height:19px;text-align:center;
  font-size:13px;font-weight:600;color:var(--brand);
}
.act-msg:empty{min-height:0;}

.vault{margin-top:44px;padding-top:28px;border-top:1px solid var(--line);}
.vault-head{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;}
.vault-head h3{margin:0;font-size:18px;font-weight:700;letter-spacing:-.02em;}
.vault-note{margin:10px 0 18px;font-size:13px;line-height:1.65;color:var(--ink-3);max-width:66ch;}
.vault-list{list-style:none;margin:0;padding:0;display:grid;gap:10px;}
@media (min-width:760px){ .vault-list{grid-template-columns:1fr 1fr;} }
.vault-item{
  display:flex;align-items:center;justify-content:space-between;gap:14px;
  padding:16px 18px;border:1px solid var(--line);border-radius:var(--r-md);
  background:var(--surface);min-width:0;
}
.vault-main{min-width:0;}
.vault-amt{
  margin:0;font-family:"IBM Plex Mono",monospace;font-size:17px;font-weight:500;
  letter-spacing:-.02em;font-variant-numeric:tabular-nums;
}
.vault-who{
  margin:3px 0 0;font-size:13px;color:var(--ink-2);
  overflow:hidden;text-overflow:ellipsis;white-space:nowrap;
}
.vault-when{margin:2px 0 0;font-size:11.5px;color:var(--ink-3);font-family:"IBM Plex Mono",monospace;}
.vault-act{display:flex;gap:6px;flex:none;}
.icon-btn{
  width:44px;height:44px;display:grid;place-items:center;flex:none;
  border:1px solid var(--line);border-radius:9px;background:var(--surface);
  color:var(--ink-2);cursor:pointer;
}
.icon-btn:hover{background:var(--surface-2);color:var(--ink);}
.icon-btn svg{width:17px;height:17px;fill:none;stroke:currentColor;stroke-width:1.7;
  stroke-linecap:round;stroke-linejoin:round;}

/* ══════════ FAQ ══════════ */
.qa{
  border-bottom:1px solid var(--line);
  margin-top:0;
}
.qa:first-of-type{border-top:1px solid var(--line);margin-top:30px;}
.qa > summary{
  list-style:none;cursor:pointer;
  padding:20px 40px 20px 0;position:relative;
}
.qa > summary h3{
  margin:0;font-size:16px;font-weight:600;letter-spacing:-.02em;
  line-height:1.5;display:inline;
}
.qa > summary::-webkit-details-marker{display:none;}
.qa > summary::after{
  content:"";position:absolute;right:8px;top:50%;
  width:11px;height:11px;margin-top:-6px;
  border-right:2px solid var(--ink-3);border-bottom:2px solid var(--ink-3);
  transform:rotate(45deg);transition:transform .2s;
}
.qa[open] > summary::after{transform:rotate(-135deg);margin-top:-2px;}
.qa > div{padding:0 0 22px;}
.qa p{margin:0;font-size:14.5px;line-height:1.75;color:var(--ink-2);max-width:66ch;}
.qa b{color:var(--ink);font-weight:700;}

/* ══════════ 하단 고정 바 ══════════ */
.dockbar{
  position:fixed;left:0;right:0;bottom:0;z-index:35;
  display:flex;align-items:center;justify-content:space-between;gap:14px;
  padding:12px var(--pad) calc(12px + env(safe-area-inset-bottom));
  background:color-mix(in srgb, var(--bg) 92%, transparent);
  backdrop-filter:saturate(180%) blur(12px);
  border-top:1px solid var(--line);
}
.dockbar[hidden]{display:none;}
.dock-info{min-width:0;}
.dock-label{display:block;font-size:11.5px;color:var(--ink-3);}
.dock-amount{
  display:block;font-family:"IBM Plex Mono",monospace;
  font-size:17px;font-weight:500;letter-spacing:-.02em;
  font-variant-numeric:tabular-nums;
}
@media (min-width:1100px){ .dockbar{display:none !important;} }

/* ══════════ 푸터 ══════════ */
.site-footer{
  border-top:1px solid var(--line);
  background:var(--bg-alt);
  padding:40px 0 calc(48px + env(safe-area-inset-bottom));
}
.footer-inner{display:flex;flex-direction:column;gap:18px;}
.foot-head{
  display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;
  gap:14px 28px;padding-bottom:18px;border-bottom:1px solid var(--line);
}
.foot-logo{display:inline-flex;color:var(--ink-2);text-decoration:none;transition:color .18s;}
.foot-logo:hover{color:var(--brand);}
.foot-logo{gap:8px;}
.foot-logo .logo-wm{height:19px;}
.foot-logo .logo-sym{height:18px;}
.foot-note{margin:0;font-size:12.5px;line-height:1.7;color:var(--ink-3);max-width:62ch;}
.foot-copy{
  margin:0;font-family:"IBM Plex Mono",monospace;
  font-size:11.5px;letter-spacing:.03em;color:var(--ink-3);
}

/* 못 채운 항목 */
.todo{
  background:var(--warn-soft);border-radius:var(--r-lg);
  padding:20px 22px;
}
.todo-title{
  margin:0 0 10px;font-size:14.5px;font-weight:700;
  color:var(--warn);letter-spacing:-.01em;
}
.todo-list{margin:0;padding-left:18px;}
.todo-list li{
  font-size:14px;line-height:1.7;color:var(--warn);margin-bottom:3px;
}
.print-block{
  margin:0;text-align:center;font-size:13px;color:var(--ink-3);
}

/* ══════════ 약관 페이지 ══════════ */
.legal{padding:clamp(40px,6vw,72px) 0 clamp(56px,8vw,96px);}
.legal-eyebrow{
  margin:0 0 12px;font-size:12.5px;font-weight:700;
  letter-spacing:.09em;color:var(--brand);text-transform:uppercase;
}
.legal-title{
  margin:0;font-size:clamp(28px,5vw,40px);font-weight:800;
  letter-spacing:-.035em;line-height:1.24;
}
.legal-meta{
  margin:10px 0 0;font-family:"IBM Plex Mono",monospace;
  font-size:12.5px;color:var(--ink-3);
}
.legal h2{
  margin:40px 0 12px;font-size:18px;font-weight:700;
  letter-spacing:-.02em;line-height:1.4;
}
.legal p{margin:0 0 12px;font-size:15px;line-height:1.8;color:var(--ink-2);max-width:68ch;}
.legal b{color:var(--ink);font-weight:700;}
.legal-list{margin:0 0 12px;padding-left:22px;max-width:68ch;}
.legal-list li{
  margin-bottom:10px;font-size:15px;line-height:1.8;color:var(--ink-2);
}
.legal-callout{
  margin:28px 0;padding:22px 24px;
  background:var(--brand-soft);border-radius:var(--r-lg);
}
.legal-callout p{color:var(--brand-ink);margin-bottom:8px;}
.legal-callout p:last-child{margin-bottom:0;}
.legal-callout b{color:var(--brand-ink);}
.legal-callout--plain{background:var(--surface-2);}
.legal-callout--plain p,.legal-callout--plain b,.legal-callout--plain li{color:var(--ink-2);}
.legal-callout--plain b{color:var(--ink);}
.legal-todo{
  margin:36px 0 0;padding:20px 22px;
  border:1px dashed var(--line-2);border-radius:var(--r-md);
}
.legal-todo p{font-size:14px;margin-bottom:6px;color:var(--ink-3);}
.legal-todo p:last-child{margin-bottom:0;}
.legal-todo b{color:var(--ink-2);}
.legal-back{margin-top:40px;padding-top:24px;border-top:1px solid var(--line);}
.legal-back a{color:var(--brand);font-weight:600;text-decoration:none;font-size:15px;}
.legal-back a:hover{text-decoration:underline;}

.foot-links{display:flex;flex-wrap:wrap;gap:6px 20px;margin:0;}
.foot-links a{
  font-size:13.5px;font-weight:500;color:var(--ink-2);
  text-decoration:none;
}
.foot-links a:hover{color:var(--brand);text-decoration:underline;}

/* ══════════ 인쇄 ══════════ */
@media print{
  body{background:#fff;}
  .site-header,.site-footer,.hero,.band,.writer-head,.form,
  .summary,.notices,.sched,.preview-actions,.dockbar,.skip,
  .todo,.banner,.vault,.act-row,.act-msg{display:none !important;}
  .writer{padding:0;}
  .writer-grid{display:block;}
  .preview-inner{position:static;max-height:none;overflow:visible;}
  .paper{border:none;border-radius:0;padding:0;font-size:12pt;}
  .paper::before{display:none;}
  .wrap{max-width:none;padding:0;}
}

/* 본문 속 링크. 스타일을 안 주면 브라우저 기본 파랑이 나오는데
   어두운 배경에서는 읽히지 않는다. */
.faq a, .prose a, .band a, .note a, main p a{
  color:var(--brand-ink);text-decoration:underline;
  text-underline-offset:2px;text-decoration-thickness:1px;
}
.faq a:hover, .prose a:hover, .band a:hover, .note a:hover, main p a:hover{
  color:var(--brand);
}

/* 시험 운영 띠 — 본인확인·결제·알림이 아직 실물이 아니라는 사실을 숨기지 않는다.
   방문자가 진짜 인증을 받았다고, 돈을 냈다고 믿게 두면 그게 사고다. */
.trial-bar{
  position:sticky;top:0;z-index:100;
  display:flex;flex-wrap:wrap;align-items:baseline;gap:4px 10px;
  padding:10px clamp(16px,5vw,32px);
  background:#7A2E00;color:#FFF3E6;
  font-size:13px;line-height:1.55;letter-spacing:-.01em;
}
.trial-bar b{color:#FFD9B0;font-weight:800;white-space:nowrap;}
.trial-bar b:last-of-type{color:inherit;white-space:normal;}
.trial-bar span{flex:1;min-width:0;}
@media print{ .trial-bar{display:none !important;} }