/* 개인회생 비용계산 — 틸/슬레이트 핀테크 (계산기 컨셉) */
:root{
  --teal:#0E7490;       /* 메인 틸 */
  --teal-dark:#155E63;
  --teal-bright:#06B6D4;
  --accent:#F59E0B;     /* 강조(상담 CTA) 앰버 */
  --ink:#0F172A;
  --sub:#64748B;
  --line:#E2E8F0;
  --bg:#F1F5F9;         /* 슬레이트 배경 */
  --surface:#FFFFFF;
  --tint:#ECFEFF;       /* 옅은 시안 */
  --danger:#DC2626;
  --radius:18px;
  --shadow:0 10px 30px rgba(15,23,42,.08);
  --shadow-lg:0 20px 50px rgba(13,116,144,.18);
  --maxw:680px;
  --ease:cubic-bezier(.16,1,.3,1);
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Pretendard',system-ui,-apple-system,'Segoe UI',sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased;word-break:keep-all}
a{color:inherit;text-decoration:none}
.wrap{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 20px}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:6px;font-weight:700;font-size:16px;border:none;cursor:pointer;border-radius:12px;padding:16px 26px;font-family:inherit;transition:transform .15s var(--ease),box-shadow .15s,background .15s}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--teal);color:#fff;box-shadow:0 8px 20px rgba(14,116,144,.3)}
.btn-primary:hover{background:var(--teal-dark)}
.btn-accent{background:var(--accent);color:#1F2937;box-shadow:0 8px 20px rgba(245,158,11,.35)}
.btn-accent:hover{filter:brightness(1.05)}
.btn:disabled{opacity:.5;cursor:not-allowed;box-shadow:none}
.full{width:100%}

/* 네비 */
.nav{position:sticky;top:0;z-index:50;background:rgba(241,245,249,.9);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:58px}
.brand{font-weight:800;font-size:18px;display:flex;align-items:center;gap:8px;letter-spacing:-.02em}
.brand-mark{display:grid;place-items:center;width:28px;height:28px;border-radius:8px;background:var(--teal);color:#fff;font-size:16px;font-weight:800}
.nav-cta{background:var(--accent);color:#1F2937;font-weight:700;font-size:14px;padding:9px 18px;border-radius:999px}

/* 히어로 */
.hero{background:linear-gradient(160deg,#083344,#0E7490 70%);color:#fff;padding:44px 0 56px}
.eyebrow{display:inline-block;font-size:13px;font-weight:700;color:#083344;background:#67E8F9;padding:6px 14px;border-radius:999px;margin-bottom:16px}
.hero h1{font-size:clamp(28px,7vw,40px);font-weight:800;line-height:1.25;letter-spacing:-.03em}
.hero h1 b{color:#FDE68A}
.hero-sub{margin:14px 0 24px;color:#CFFAFE;font-size:16px}

/* 계산기 */
.calc{background:var(--surface);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow-lg);color:var(--ink)}
.calc-field{margin-bottom:16px}
.calc-field label{display:block;font-size:14px;font-weight:700;color:var(--sub);margin-bottom:8px}
.input-won{display:flex;align-items:center;border:2px solid var(--line);border-radius:12px;overflow:hidden;transition:border .15s}
.input-won:focus-within{border-color:var(--teal)}
.input-won input{flex:1;border:none;outline:none;font-family:inherit;font-size:20px;font-weight:700;padding:14px 16px;color:var(--ink)}
.input-won span{padding:0 16px;color:var(--sub);font-weight:700}
.calc-field select{width:100%;font-family:inherit;font-size:16px;font-weight:600;border:2px solid var(--line);border-radius:12px;padding:14px 16px;background:#fff;color:var(--ink);cursor:pointer}
.calc-field select:focus{outline:none;border-color:var(--teal)}

/* 결과 */
.result{background:var(--surface);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-lg);color:var(--ink);margin-top:16px;border:2px solid var(--teal-bright);animation:pop .3s var(--ease)}
@keyframes pop{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.result-label{font-size:14px;color:var(--sub);font-weight:700}
.result-amount{font-size:clamp(38px,11vw,52px);font-weight:800;color:var(--teal);line-height:1.1;letter-spacing:-.03em;margin:4px 0 16px}
.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:14px}
.result-grid div{background:var(--tint);border-radius:12px;padding:14px}
.result-grid span{display:block;font-size:12px;color:var(--sub);margin-bottom:4px}
.result-grid b{font-size:17px;font-weight:800;color:var(--teal-dark)}
.result-note{font-size:13px;color:var(--sub);margin-bottom:16px;line-height:1.5}

/* 섹션 */
.section{padding:48px 0}
.section-tint{background:var(--tint)}
.sec-title{font-size:clamp(23px,6vw,30px);font-weight:800;line-height:1.3;text-align:center;letter-spacing:-.02em;margin-bottom:26px}

.cost-cards{display:grid;gap:14px}
.cost-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}
.cost-card .ci{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:10px;background:var(--teal);color:#fff;font-weight:800;margin-bottom:10px}
.cost-card h3{font-size:18px;font-weight:800;margin-bottom:6px}
.cost-card p{color:var(--sub);font-size:15px}
.cost-card b{color:var(--teal-dark)}

.howto{max-width:560px;margin:0 auto;display:flex;flex-direction:column;gap:14px;list-style:none;counter-reset:h}
.howto li{position:relative;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:20px 20px 20px 64px;box-shadow:var(--shadow);counter-increment:h}
.howto li::before{content:counter(h);position:absolute;left:18px;top:20px;width:32px;height:32px;display:grid;place-items:center;border-radius:50%;background:var(--accent);color:#1F2937;font-weight:800}
.howto b{font-size:16px;font-weight:800}
.howto p{color:var(--sub);font-size:14px;margin-top:3px}

/* 접수 */
.apply-card{background:linear-gradient(160deg,#0E7490,#083344);border-radius:24px;padding:30px 24px;color:#fff;box-shadow:var(--shadow-lg)}
.apply-card h2{font-size:24px;font-weight:800;line-height:1.3;margin-bottom:8px}
.apply-sub{color:#CFFAFE;font-size:14px;margin-bottom:20px}
.field{width:100%;font-family:inherit;font-size:16px;border:none;border-radius:12px;padding:15px 16px;margin-bottom:12px}
.field:focus{outline:3px solid #67E8F9}
.agree{display:flex;align-items:center;gap:8px;font-size:14px;color:#CFFAFE;cursor:pointer;margin-bottom:14px}
.agree input{width:18px;height:18px;accent-color:var(--accent)}
.err{color:#FECACA;font-size:13px;min-height:18px;margin-bottom:8px}
.apply-done{background:rgba(255,255,255,.15);border-radius:12px;padding:16px;text-align:center;font-weight:700;margin-top:8px}

/* FAQ */
.faq{display:flex;flex-direction:column;gap:10px;max-width:560px;margin:0 auto}
.faq-item{background:var(--surface);border:1px solid var(--line);border-radius:14px;overflow:hidden}
.faq-q{width:100%;text-align:left;background:none;border:none;cursor:pointer;font-family:inherit;font-size:16px;font-weight:700;color:var(--ink);padding:18px 20px;display:flex;justify-content:space-between;align-items:center;gap:12px}
.faq-q span{flex:none;color:var(--teal);font-size:22px;transition:transform .2s}
.faq-a{max-height:0;overflow:hidden;color:var(--sub);font-size:15px;padding:0 20px;transition:max-height .3s var(--ease),padding .3s var(--ease)}
.faq-item.open .faq-a{max-height:300px;padding:0 20px 18px}

/* 푸터 */
.foot{background:#083344;color:#94C3D0;padding:38px 0 60px;text-align:center}
.foot-brand{color:#fff;font-weight:800;font-size:17px;margin-bottom:10px}
.foot-info{font-size:13px;line-height:1.7;margin-bottom:12px}
.foot small{font-size:12px;color:#5E8A97}

/* 히어로 보조 */
.btn-lg{font-size:18px;padding:18px 32px;border-radius:14px}
.trust-row{display:flex;gap:10px;justify-content:center;margin-top:26px}
.trust{flex:1;max-width:130px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);border-radius:12px;padding:14px 8px}
.trust b{display:block;font-size:22px;font-weight:800;color:#FDE68A}
.trust span{font-size:12px;color:#CFFAFE}

/* 인라인 CTA (페이지 곳곳 진입점) */
.inline-cta{background:#083344;padding:22px 0}
.inline-cta.alt{background:var(--teal)}
.inline-cta .wrap{display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap}
.inline-cta p{color:#fff;font-weight:800;font-size:18px}

/* 최종 CTA 밴드 */
.cta-band{background:linear-gradient(135deg,var(--teal),#083344);text-align:center;padding:52px 0}
.cta-band h2{color:#fff;font-size:clamp(24px,6vw,30px);font-weight:800;line-height:1.3;margin-bottom:22px}

/* 따라다니는 CTA */
.float-cta{position:fixed;right:18px;bottom:18px;z-index:60;background:var(--accent);color:#1F2937;font-weight:800;font-size:15px;padding:14px 22px;border-radius:999px;box-shadow:0 10px 26px rgba(245,158,11,.5);display:none;animation:cta-in .4s var(--ease)}
@keyframes cta-in{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:none}}
.mbar{position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(0,0,0,.1);padding:10px 16px;display:flex;align-items:center;justify-content:space-between;gap:12px}
.mbar span{font-weight:700;font-size:14px;color:var(--ink)}
.mbar .btn{padding:12px 18px;font-size:15px}

/* ===== 진단 페이지 ===== */
.diag-body{background:var(--bg)}
.diag-wrap{max-width:560px;margin:0 auto;padding:24px 16px 80px}
.diag-card{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow-lg);padding:28px 22px;min-height:60vh;display:flex;flex-direction:column}
.hidden{display:none!important}
.steps{display:flex;gap:8px;justify-content:center;margin-bottom:26px}
.dot{display:grid;place-items:center;width:28px;height:28px;border-radius:50%;background:#E2E8F0;color:#94A3B8;font-size:13px;font-weight:700;transition:all .25s var(--ease)}
.dot.on{background:var(--teal);color:#fff;box-shadow:0 4px 10px rgba(14,116,144,.4)}
.diag-loading{text-align:center;color:var(--sub);padding:40px 0}
.q-title{font-size:23px;font-weight:800;line-height:1.35;letter-spacing:-.02em;margin-bottom:8px}
.q-title.accent{color:var(--teal-dark)}
.q-sub{color:var(--sub);font-size:14px;margin-bottom:20px}
.opts{display:flex;flex-direction:column;gap:10px;margin-top:18px;flex:1}
.opt{display:flex;align-items:center;gap:12px;width:100%;text-align:left;font-family:inherit;font-size:16px;font-weight:600;color:var(--ink);background:#F8FAFC;border:2px solid var(--line);border-radius:14px;padding:16px 18px;cursor:pointer;transition:all .15s var(--ease)}
.opt i{flex:none;width:22px;height:22px;border-radius:50%;border:2px solid #CBD5E1;transition:all .15s}
.opt:hover{border-color:var(--teal)}
.opt.sel{border-color:var(--teal);background:var(--tint);color:var(--teal-dark)}
.opt.sel i{border-color:var(--teal);background:var(--teal);box-shadow:inset 0 0 0 3px #fff}
.btn-ghost{background:#fff;color:var(--ink);border:1.5px solid var(--line)}
.btn-ghost:hover{border-color:var(--teal);color:var(--teal-dark)}
.field{width:100%;font-family:inherit;font-size:16px;border:2px solid var(--line);border-radius:12px;padding:15px 16px;margin-top:12px;background:#fff;transition:border .15s}
.field:focus{outline:none;border-color:var(--teal)}
.agree{display:flex;align-items:center;gap:8px;margin-top:14px;font-size:14px;color:var(--sub);cursor:pointer}
.agree input{width:18px;height:18px;accent-color:var(--teal)}
.err{color:var(--danger);font-size:13px;margin-top:10px;min-height:18px}
.result-box{background:var(--tint);border:1px solid #A5F3FC;border-radius:var(--radius);padding:22px;font-size:16px;line-height:1.7;margin:16px 0}
.result-box .amount{display:block;font-size:30px;font-weight:800;color:var(--teal);margin:6px 0}
.diag-nav{display:flex;gap:12px;margin-top:24px}
.diag-nav .btn{flex:1}
.diag-nav #btn_prev{flex:0 0 96px}
.done-box{text-align:center;padding:30px 0;margin:auto 0}
.done-box .check{width:72px;height:72px;border-radius:50%;background:var(--teal);color:#fff;font-size:38px;display:grid;place-items:center;margin:0 auto 20px;box-shadow:0 10px 26px rgba(14,116,144,.4)}
.done-box h2{font-size:22px;font-weight:800;margin-bottom:8px}
.done-box p{color:var(--sub);margin-bottom:24px}

@media(min-width:768px){
  .cost-cards{grid-template-columns:repeat(3,1fr)}
  .float-cta{display:inline-flex}
  .mbar{display:none}
}