:root {
  --bg: #f7faf8;
  --surface: #ffffff;
  --surface2: #f5faf7;
  --border: #d8e8df;
  --text: #193126;
  --muted: #5f7d6f;
  --accent: #1d9e75;
  --accent-dim: rgba(29, 158, 117, 0.12);
  --ok: #128a56;
  --warn: #d38d08;
  --bad: #d64545;
  --radius: 12px;
  --font: "Pretendard Variable", "Malgun Gothic", system-ui, sans-serif;
  /* Primary CTA — single hue (no blue), deep teal */
  --btn-primary-top: #4a8274;
  --btn-primary-mid: #356b5e;
  --btn-primary-bottom: #2a554a;
  --btn-primary-border: rgba(18, 44, 38, 0.38);
  --btn-primary-shadow: 0 8px 22px rgba(32, 72, 62, 0.2);
  --btn-primary-shadow-hover: 0 10px 28px rgba(32, 72, 62, 0.28);
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

body {
  margin: 0;
  min-height: 100vh;
  font-family: var(--font);
  background: var(--bg);
  color: var(--text);
  line-height: 1.55;
}

a {
  color: var(--accent);
}

header {
  padding: 1.75rem 1.25rem 1rem;
  max-width: 920px;
  margin: 0 auto;
  background: linear-gradient(160deg, rgba(29, 158, 117, 0.14), rgba(29, 158, 117, 0.04));
  border: 1px solid var(--border);
  border-radius: 0 0 18px 18px;
  box-shadow: 0 10px 26px rgba(19, 57, 42, 0.08);
}

header h1 {
  margin: 0 0 0.35rem;
  font-size: clamp(1.35rem, 2.4vw, 1.9rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1.25;
  color: #114533;
}

header p {
  margin: 0;
  color: #456d5b;
  font-size: 0.9rem;
}

.quick-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-top: 0.75rem;
}

.quick-nav a {
  display: inline-block;
  padding: 0.3rem 0.55rem;
  border: 1px solid var(--border);
  border-radius: 999px;
  background: var(--surface2);
  color: var(--text);
  text-decoration: none;
  font-size: 0.78rem;
}

.quick-nav a:hover {
  border-color: var(--accent);
  background: var(--accent-dim);
}

/* 헤더: 등기부등본 가이드 강조 */
.quick-nav a.quick-nav__registry {
  font-weight: 800;
  font-size: 0.84rem;
  letter-spacing: -0.02em;
  padding: 0.4rem 0.85rem;
  border: 1px solid rgba(45, 106, 79, 0.55);
  background: linear-gradient(165deg, #eaf6ef 0%, #d4ebe1 100%);
  color: #0f3d26;
  box-shadow:
    0 2px 8px rgba(45, 106, 79, 0.14),
    inset 0 1px 0 rgba(255, 255, 255, 0.65);
}

.quick-nav a.quick-nav__registry:hover {
  border-color: #1b4332;
  background: linear-gradient(165deg, #dff3ea 0%, #c5e5d4 100%);
  color: #082818;
  box-shadow:
    0 4px 14px rgba(45, 106, 79, 0.22),
    inset 0 1px 0 rgba(255, 255, 255, 0.65);
}

.quick-nav a.quick-nav__registry:focus-visible {
  outline: 2px solid var(--btn-primary-mid);
  outline-offset: 3px;
}

.cross-nav-row {
  margin-top: 0.8rem;
}

.cross-nav-cta {
  display: inline-block;
  padding: 0.72rem 1.15rem;
  border: 1px solid var(--btn-primary-border);
  border-radius: 12px;
  background: linear-gradient(
    165deg,
    var(--btn-primary-top) 0%,
    var(--btn-primary-mid) 48%,
    var(--btn-primary-bottom) 100%
  );
  color: #f4faf8;
  text-decoration: none;
  font-size: 1.02rem;
  font-weight: 800;
  letter-spacing: -0.01em;
  box-shadow: var(--btn-primary-shadow);
  transition: box-shadow 0.18s ease, filter 0.18s ease, transform 0.18s ease;
}

.cross-nav-cta:hover {
  filter: brightness(1.06);
  box-shadow: var(--btn-primary-shadow-hover);
  transform: translateY(-1px);
}

.disclaimer {
  margin-top: 0.75rem;
  padding: 0.75rem 1rem;
  background: var(--surface2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font-size: 0.82rem;
  color: var(--muted);
}

main {
  max-width: 920px;
  margin: 0 auto;
  padding: 0 1.25rem 3rem;
}

section.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.25rem 1.35rem;
  margin-bottom: 1rem;
}

section.card h2 {
  margin: 0 0 1rem;
  font-size: 1.05rem;
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

section.card h2 .badge {
  font-size: 0.7rem;
  font-weight: 600;
  padding: 0.2rem 0.45rem;
  background: var(--accent-dim);
  color: var(--accent);
  border-radius: 6px;
}

section.card h2 .section-note {
  font-size: 0.78rem;
  font-weight: 500;
  color: var(--muted);
  letter-spacing: -0.005em;
  line-height: 1.4;
  flex: 1 1 100%;
  margin-top: 0.15rem;
}

@media (min-width: 640px) {
  section.card h2 {
    flex-wrap: wrap;
  }
  section.card h2 .section-note {
    flex: 1 1 auto;
    margin-top: 0;
  }
}

.grid {
  display: grid;
  gap: 0.85rem;
}

@media (min-width: 640px) {
  .grid-2 {
    grid-template-columns: 1fr 1fr;
  }
}

.grid-span-2 {
  grid-column: 1 / -1;
}

label {
  display: block;
  font-size: 0.8rem;
  color: var(--muted);
  margin-bottom: 0.35rem;
}

input[type="text"],
input[type="number"],
input[type="date"],
input[type="email"],
textarea,
select {
  width: 100%;
  padding: 0.55rem 0.65rem;
  border: 1px solid var(--border);
  border-radius: 8px;
  background: var(--surface2);
  color: var(--text);
  font-size: 0.95rem;
}

textarea {
  min-height: 8rem;
  resize: vertical;
  line-height: 1.5;
  font-family: inherit;
}

input:focus,
select:focus,
textarea:focus {
  outline: 2px solid var(--accent);
  outline-offset: 0;
}

.field-hint {
  font-size: 0.75rem;
  color: var(--muted);
  margin-top: 0.25rem;
}

.radio-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.radio-pill {
  position: relative;
}

.radio-pill input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.radio-pill span {
  display: inline-block;
  padding: 0.45rem 0.75rem;
  border: 1px solid var(--border);
  border-radius: 999px;
  font-size: 0.85rem;
  cursor: pointer;
  background: var(--surface2);
  transition: border-color 0.15s, background 0.15s;
}

.radio-pill input:checked + span {
  border-color: var(--accent);
  background: var(--accent-dim);
  color: var(--text);
}

.person-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem;
  margin-bottom: 1rem;
}

.person-tabs button {
  flex: 1 1 calc(50% - 0.35rem);
  min-width: 0;
  padding: 0.55rem;
  border: 1px solid var(--border);
  border-radius: 8px;
  background: var(--surface2);
  color: var(--muted);
  white-space: nowrap;
  font-size: 0.9rem;
  cursor: pointer;
}

@media (min-width: 640px) {
  .person-tabs button {
    flex: 1 1 0;
  }
}

.person-tabs button.active {
  border-color: var(--accent);
  background: var(--accent-dim);
  color: var(--text);
}

.hidden {
  display: none !important;
}

.subsection-title {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--muted);
  margin: 0.5rem 0 0.75rem;
  padding-bottom: 0.35rem;
  border-bottom: 1px solid var(--border);
}

.check-grid {
  display: grid;
  gap: 0.5rem;
}

.check-item {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  font-size: 0.88rem;
}

.check-item input {
  margin-top: 0.2rem;
}

.btn-primary {
  width: 100%;
  margin-top: 0.5rem;
  padding: 0.75rem 1rem;
  border: 1px solid var(--btn-primary-border);
  border-radius: 10px;
  background: linear-gradient(
    165deg,
    var(--btn-primary-top) 0%,
    var(--btn-primary-mid) 48%,
    var(--btn-primary-bottom) 100%
  );
  color: #f4faf8;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  box-shadow: var(--btn-primary-shadow);
  transition: box-shadow 0.18s ease, filter 0.18s ease, transform 0.18s ease;
}

.btn-primary:hover {
  filter: brightness(1.05);
  box-shadow: var(--btn-primary-shadow-hover);
  transform: translateY(-1px);
}

.btn-secondary {
  margin-top: 0.5rem;
  padding: 0.45rem 0.85rem;
  border: 1px solid var(--border);
  border-radius: 8px;
  background: var(--surface2);
  color: var(--text);
  font-size: 0.88rem;
  font-weight: 600;
  cursor: pointer;
}

.btn-secondary:hover {
  border-color: var(--accent);
  background: var(--accent-dim);
}

.label-with-calc {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.5rem;
  margin-bottom: 0.35rem;
}

.label-with-calc label {
  margin: 0;
}

.label-with-calc .btn-secondary {
  margin-top: 0;
  flex-shrink: 0;
}

.annual-preview {
  margin: 0.4rem 0 0;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--accent);
  min-height: 1.35em;
}

.modal-overlay {
  position: fixed;
  inset: 0;
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1rem;
  background: rgba(15, 23, 42, 0.55);
  backdrop-filter: blur(2px);
}

.modal-overlay.hidden {
  display: none;
}

.modal-box {
  width: 100%;
  max-width: 22rem;
  padding: 1.15rem 1.25rem 1.25rem;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  background: var(--surface);
  box-shadow: 0 16px 48px rgba(0, 0, 0, 0.2);
}

.modal-title {
  margin: 0 0 0.65rem;
  font-size: 1.05rem;
}

.modal-total-line {
  margin: 0 0 0.75rem;
  font-size: 0.92rem;
  color: var(--muted);
}

.modal-total-line strong {
  font-size: 1.1rem;
  color: var(--text);
  font-variant-numeric: tabular-nums;
}

.modal-input-label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--muted);
  margin-bottom: 0.35rem;
}

#salary-calc-input {
  width: 100%;
  padding: 0.55rem 0.65rem;
  border-radius: 8px;
  border: 1px solid var(--border);
  font-size: 1rem;
  margin-bottom: 0.85rem;
}

.modal-calc-actions {
  display: flex;
  align-items: stretch;
  gap: 0.65rem;
}

.btn-calc-plus {
  flex: 0 0 3rem;
  min-height: 2.65rem;
  border-radius: 8px;
  border: 1px solid var(--border);
  background: var(--surface2);
  font-size: 1.35rem;
  font-weight: 700;
  line-height: 1;
  cursor: pointer;
  color: var(--text);
}

.btn-calc-plus:hover {
  border-color: var(--accent);
  background: var(--accent-dim);
}

.modal-done {
  flex: 1;
  margin: 0;
  min-height: 2.65rem;
}

.results {
  border: 1px solid rgba(53, 107, 94, 0.35);
  background: linear-gradient(165deg, rgba(53, 107, 94, 0.09), var(--surface));
}

.result-block {
  margin-bottom: 1rem;
}

.result-block:last-child {
  margin-bottom: 0;
}

.result-block h3 {
  margin: 0 0 0.5rem;
  font-size: 0.85rem;
  color: var(--muted);
  font-weight: 600;
}

.big-number {
  font-size: 1.65rem;
  font-weight: 700;
  letter-spacing: -0.03em;
}

.result-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 0.35rem 0;
  font-size: 0.92rem;
  border-bottom: 1px solid var(--border);
}

.result-row:last-child {
  border-bottom: none;
}

.result-row span:last-child {
  font-variant-numeric: tabular-nums;
}

.pill-ok {
  color: var(--ok);
}

.pill-warn {
  color: var(--warn);
}

.pill-bad {
  color: var(--bad);
}

.reason-text {
  font-size: 0.82rem;
  color: var(--muted);
  margin-top: 0.5rem;
  padding: 0.65rem;
  background: var(--surface2);
  border-radius: 8px;
  border-left: 3px solid var(--accent);
}

.docs-category {
  margin-top: 1rem;
  padding: 0.85rem 1rem;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: var(--surface2);
}

.docs-category + .docs-category {
  margin-top: 0.75rem;
}

.docs-category h3 {
  margin: 0 0 0.4rem;
  font-size: 0.95rem;
  color: var(--text);
  letter-spacing: -0.01em;
}

.doc-list {
  margin: 0;
  padding-left: 1.25rem;
  font-size: 0.9rem;
  color: var(--text);
  line-height: 1.55;
}

.doc-list > li {
  margin: 0.2rem 0;
}

.doc-list > li + li {
  margin-top: 0.35rem;
}

.doc-sublist {
  margin: 0.3rem 0 0.2rem;
  padding-left: 1.1rem;
  font-size: 0.85rem;
  color: var(--muted);
  line-height: 1.5;
}

.doc-sublist > li {
  margin: 0.1rem 0;
}

.doc-list .muted,
.doc-sublist .muted,
.muted {
  color: var(--muted);
  font-weight: 400;
}

.schedule-wrap {
  margin-top: 1rem;
  border: 1px solid var(--border);
  border-radius: 8px;
  max-height: 480px;
  overflow-y: auto;
}

.schedule-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.82rem;
}

.schedule-table th,
.schedule-table td {
  padding: 0.4rem 0.65rem;
  text-align: right;
  border-bottom: 1px solid var(--border);
  font-variant-numeric: tabular-nums;
}

.schedule-table th:first-child,
.schedule-table td:first-child {
  text-align: center;
}

.schedule-table thead th {
  position: sticky;
  top: 0;
  background: var(--surface2);
  color: var(--muted);
  font-size: 0.78rem;
  font-weight: 600;
}

.schedule-table tr.grace-row td {
  color: var(--muted);
  font-style: italic;
}

.seo-faq .faq-list {
  display: grid;
  gap: 0.55rem;
}

.seo-faq details {
  border: 1px solid var(--border);
  border-radius: 10px;
  background: var(--surface2);
  padding: 0.55rem 0.75rem;
}

.seo-faq summary {
  cursor: pointer;
  font-size: 0.9rem;
  font-weight: 600;
  list-style: none;
}

.seo-faq summary::-webkit-details-marker {
  display: none;
}

.seo-faq summary::before {
  content: "+";
  display: inline-block;
  margin-right: 0.45rem;
  color: var(--accent);
  font-weight: 700;
}

.seo-faq details[open] summary::before {
  content: "-";
}

.seo-faq details p {
  margin: 0.45rem 0 0;
  color: var(--muted);
  font-size: 0.86rem;
}

.guide-links {
  display: grid;
  gap: 0.55rem;
}

.guide-links a {
  display: block;
  padding: 0.65rem 0.75rem;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: var(--surface2);
  color: var(--text);
  text-decoration: none;
  font-size: 0.9rem;
}

.guide-links a:hover {
  border-color: var(--accent);
  background: var(--accent-dim);
}

.schedule-table tr.year-end td {
  border-bottom: 2px solid var(--accent);
}

footer {
  max-width: 920px;
  margin: 0 auto;
  padding: 0 1.25rem 2rem;
  font-size: 0.78rem;
  color: var(--muted);
}

footer .footer-main {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1rem;
  margin-bottom: 0.35rem;
}

footer .footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 0.75rem;
  margin-bottom: 0.35rem;
}

footer a {
  color: #2e6750;
  text-decoration: underline;
  text-underline-offset: 2px;
}

footer a:hover {
  color: #ffffff;
}

footer .footer-cta-link {
  padding: 0.38rem 0.72rem;
  border: 1px solid rgba(53, 107, 94, 0.4);
  border-radius: 999px;
  background: rgba(53, 107, 94, 0.1);
  color: #1f4038;
  text-decoration: none;
  font-weight: 700;
}

footer .footer-cta-link:hover {
  background: rgba(53, 107, 94, 0.16);
  border-color: var(--btn-primary-mid);
  color: #142c26;
}

footer .footer-note {
  color: var(--muted);
}

/* —— Hub (service selection) —— */
.hub-main {
  padding-bottom: 2.5rem;
}

/* 등기부등본 가이드 배너 (메인 허브 상단) */
.hub-registry-banner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  background: linear-gradient(125deg, #dff3ea 0%, #f0faf5 42%, #e8f5ee 100%);
  border: 1px solid rgba(45, 106, 79, 0.38);
  border-left: 5px solid #1b4332;
  border-radius: 12px;
  padding: 16px 18px;
  margin-bottom: 14px;
  box-shadow:
    0 6px 22px rgba(27, 67, 50, 0.12),
    0 2px 8px rgba(27, 67, 50, 0.06),
    inset 0 1px 0 rgba(255, 255, 255, 0.7);
}

.hub-registry-banner__inner {
  display: flex;
  align-items: center;
  gap: 14px;
  flex: 1;
  min-width: 0;
}

.hub-registry-banner__icon {
  width: 40px;
  height: 40px;
  flex-shrink: 0;
  background: linear-gradient(155deg, #2d6a4f 0%, #1b4332 100%);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 17px;
  line-height: 1;
  box-shadow: 0 3px 10px rgba(27, 67, 50, 0.35);
}

.hub-registry-banner__title {
  font-size: 14px;
  font-weight: 800;
  letter-spacing: -0.03em;
  color: #0f291d;
  margin-bottom: 4px;
  line-height: 1.35;
}

.hub-registry-banner__sub {
  font-size: 12.5px;
  font-weight: 500;
  color: #2d5440;
  line-height: 1.45;
}

.hub-registry-banner__cta {
  flex-shrink: 0;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: #f4faf8;
  background: linear-gradient(165deg, #3d8368 0%, #2d6a4f 48%, #1b4332 100%);
  border: 1px solid rgba(15, 41, 29, 0.35);
  border-radius: 10px;
  padding: 10px 18px;
  text-decoration: none;
  white-space: nowrap;
  box-shadow:
    0 4px 14px rgba(27, 67, 50, 0.35),
    inset 0 1px 0 rgba(255, 255, 255, 0.12);
  transition: filter 0.18s ease, transform 0.18s ease, box-shadow 0.18s ease;
}

.hub-registry-banner__cta:hover {
  color: #fff;
  filter: brightness(1.06);
  transform: translateY(-1px);
  box-shadow:
    0 6px 18px rgba(27, 67, 50, 0.42),
    inset 0 1px 0 rgba(255, 255, 255, 0.15);
}

.hub-registry-banner__cta:focus-visible {
  outline: 2px solid #1b4332;
  outline-offset: 3px;
}

@media (max-width: 560px) {
  .hub-registry-banner {
    flex-wrap: wrap;
    padding: 14px 14px;
  }

  .hub-registry-banner__cta {
    width: 100%;
    text-align: center;
    white-space: normal;
    padding: 11px 16px;
  }
}

/* MoneyPlan 스폰서 광고 블록 (등기부 배너 아래, 클래스명은 호환 유지) */
.hub-promo-moneycal {
  position: relative;
  margin-bottom: 14px;
}

.hub-promo-moneycal__ad-tag {
  position: absolute;
  top: 10px;
  right: 12px;
  z-index: 1;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.06em;
  color: rgba(251, 191, 36, 0.85);
  text-transform: uppercase;
  pointer-events: none;
}

.hub-promo-moneycal__card {
  display: flex;
  align-items: stretch;
  gap: 1rem;
  padding: 16px 18px 16px 16px;
  border-radius: 14px;
  text-decoration: none;
  color: #f1f5f9;
  background:
    linear-gradient(145deg, rgba(30, 41, 59, 0.97) 0%, rgba(15, 23, 42, 0.99) 48%, rgba(12, 18, 36, 1) 100%);
  border: 1px solid rgba(251, 191, 36, 0.28);
  box-shadow:
    0 8px 28px rgba(15, 23, 42, 0.35),
    0 2px 10px rgba(245, 158, 11, 0.08),
    inset 0 1px 0 rgba(255, 255, 255, 0.06);
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease, filter 0.2s ease;
}

.hub-promo-moneycal__card:hover {
  transform: translateY(-2px);
  border-color: rgba(251, 191, 36, 0.5);
  filter: brightness(1.04);
  box-shadow:
    0 14px 36px rgba(15, 23, 42, 0.45),
    0 4px 14px rgba(245, 158, 11, 0.15),
    inset 0 1px 0 rgba(255, 255, 255, 0.08);
}

.hub-promo-moneycal__card:focus-visible {
  outline: 2px solid #fbbf24;
  outline-offset: 3px;
}

.hub-promo-moneycal__visual {
  flex-shrink: 0;
  width: 52px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 12px;
  background: linear-gradient(160deg, rgba(251, 191, 36, 0.22) 0%, rgba(245, 158, 11, 0.08) 100%);
  border: 1px solid rgba(251, 191, 36, 0.35);
}

.hub-promo-moneycal__emoji {
  font-size: 26px;
  line-height: 1;
  filter: drop-shadow(0 2px 6px rgba(0, 0, 0, 0.35));
}

.hub-promo-moneycal__body {
  flex: 1;
  min-width: 0;
  padding-right: 2.25rem;
}

.hub-promo-moneycal__eyebrow {
  margin: 0 0 0.4rem;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.02em;
  color: rgba(253, 224, 71, 0.95);
}

.hub-promo-moneycal__chips {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem;
  margin: 0 0 0.45rem;
  padding: 0;
  list-style: none;
}

.hub-promo-moneycal__chip {
  display: inline-block;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 0.2rem 0.45rem;
  border-radius: 6px;
  background: rgba(251, 191, 36, 0.14);
  color: #fde68a;
  border: 1px solid rgba(251, 191, 36, 0.28);
}

.hub-promo-moneycal__chip--brand {
  text-transform: none;
  letter-spacing: 0.02em;
  background: rgba(251, 191, 36, 0.26);
  border-color: rgba(251, 191, 36, 0.55);
  color: #fffbeb;
  box-shadow: 0 0 0 1px rgba(251, 191, 36, 0.15);
}

.hub-promo-moneycal__title {
  margin: 0 0 0.55rem;
  font-size: 1.02rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.35;
  color: #fff;
}

.hub-promo-moneycal__signal-block {
  margin: 0 0 0.5rem;
  padding: 0.55rem 0.65rem;
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(251, 191, 36, 0.22);
}

.hub-promo-moneycal__signal-head {
  margin: 0 0 0.35rem;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.03em;
  color: rgba(253, 224, 71, 0.98);
}

.hub-promo-moneycal__signal-names {
  margin: 0;
  font-size: 0.8rem;
  font-weight: 600;
  line-height: 1.5;
  color: #e2e8f0;
}

.hub-promo-moneycal__signals-cta-note {
  margin: 0 0 0.35rem;
  font-size: 0.78rem;
  font-weight: 700;
  line-height: 1.45;
  color: #cbd5e1;
}

.hub-promo-moneycal__desc {
  margin: 0 0 0.55rem;
  font-size: 0.82rem;
  line-height: 1.55;
  color: #cbd5e1;
}

.hub-promo-moneycal__desc strong {
  color: #e2e8f0;
  font-weight: 800;
}

.hub-promo-moneycal__cta {
  display: inline-flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.35rem;
  font-size: 0.84rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: #fbbf24;
}

@media (max-width: 560px) {
  .hub-promo-moneycal__card {
    flex-direction: column;
    align-items: flex-start;
    padding: 14px 14px 16px;
    gap: 0.75rem;
  }

  .hub-promo-moneycal__visual {
    width: 100%;
    height: 48px;
  }

  .hub-promo-moneycal__body {
    padding-right: 0;
  }

  .hub-promo-moneycal__ad-tag {
    top: 8px;
    right: 10px;
  }

  .hub-promo-moneycal__title {
    font-size: 0.95rem;
  }
}

/* 반환보증보험 계산기 2열 */
.return-guarantee-grid {
  display: grid;
  gap: 1rem;
  grid-template-columns: 1fr;
}

@media (min-width: 960px) {
  .return-guarantee-grid {
    grid-template-columns: 1fr 1fr;
    align-items: start;
  }
}

/* 디딤돌·버팀목: 1·2번 소득 접기 */
.income-accordion {
  margin-bottom: 1rem;
}

.income-accordion__toggle {
  display: flex;
  width: 100%;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  padding: 0.7rem 1rem;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--surface2);
  color: var(--btn-primary-mid);
  font: inherit;
  font-weight: 700;
  font-size: 0.95rem;
  cursor: pointer;
  line-height: 1.35;
  transition: background 0.15s ease, border-color 0.15s ease, box-shadow 0.18s ease, filter 0.18s ease, transform 0.18s ease;
}

.income-accordion__toggle:hover {
  background: var(--accent-dim);
  border-color: var(--accent);
}

.income-accordion__toggle:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
}

/* 소득 펼침: 파란 CTA (접힌 상태 힌트·화살표는 aria-expanded로만 제어) */
#btn-toggle-income-step12 {
  border: 1px solid rgba(29, 78, 216, 0.42);
  background: linear-gradient(165deg, #3b82f6 0%, #2563eb 50%, #1d4ed8 100%);
  color: #fff;
  font-size: 1rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  text-shadow: 0 1px 0 rgba(0, 0, 0, 0.12);
  box-shadow: 0 8px 22px rgba(37, 99, 235, 0.32);
}

#btn-toggle-income-step12:hover {
  filter: brightness(1.05);
  border-color: rgba(29, 78, 216, 0.55);
  box-shadow: 0 10px 28px rgba(37, 99, 235, 0.4);
  transform: translateY(-1px);
}

#btn-toggle-income-step12:focus-visible {
  outline: 2px solid #1d4ed8;
  outline-offset: 2px;
}

.income-accordion__skip-hint {
  margin: 0.45rem 0 0.15rem;
  text-align: center;
  font-size: 0.8rem;
  color: var(--muted);
  line-height: 1.3;
}

#btn-toggle-income-step12[aria-expanded="true"] ~ .income-accordion__skip-hint,
#btn-toggle-income-step12[aria-expanded="true"] ~ .income-accordion__down-arrows {
  display: none;
}

.income-accordion__down-arrows {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 0.45rem;
  margin: 0 0 0.5rem;
  font-size: 1.25rem;
  line-height: 1;
  color: var(--muted);
  user-select: none;
}

.income-accordion__body {
  margin-top: 0.75rem;
}

.income-accordion__body > .card + .card {
  margin-top: 1rem;
}

.income-accordion__body > .btn-primary {
  margin-top: 1rem;
  width: 100%;
}

#income-step12-panels[hidden] {
  display: none !important;
}

/* [hidden]이 .grid의 display보다 밀리는 경우 대비 (반환보증 A 입력 모드 전환) */
#rg-a-mode-other[hidden],
#rg-a-mode-kb[hidden],
#rg-land-panel[hidden],
#rg-nav-land[hidden] {
  display: none !important;
}

.rg-panel-title {
  margin: 0 0 0.65rem;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--btn-primary-mid);
  padding-bottom: 0.35rem;
  border-bottom: 2px solid var(--border);
}

.rg-result-box {
  padding: 1rem 1.1rem;
  border-radius: var(--radius);
  margin-top: 0.75rem;
  font-size: 0.9rem;
  line-height: 1.55;
}

.rg-result-box p {
  margin: 0.35rem 0;
}

.rg-result-ok {
  background: var(--accent-dim);
  border: 1px solid var(--border);
}

.rg-result-bad {
  background: #ffebee;
  border: 1px solid #ffcdd2;
  color: #1a1a1a;
}

.rg-result-warn {
  background: #fff8e1;
  border: 1px solid #ffe082;
  color: #5d4200;
}

.rg-result-fee-simple p {
  margin: 0.4rem 0;
  line-height: 1.5;
  font-size: 0.95rem;
}

/* 반환보증: 보증료 할인 블록 */
.rg-discount-card .rg-discount-block {
  margin-top: 0.75rem;
  padding-top: 0.65rem;
  border-top: 1px dashed var(--border);
}

.rg-discount-block__label {
  margin: 0 0 0.45rem;
  font-size: 0.86rem;
  font-weight: 700;
  color: var(--btn-primary-mid);
}

.rg-discount-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem 0.75rem;
  align-items: center;
}

.rg-discount-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.86rem;
  cursor: pointer;
  padding: 0.2rem 0.15rem 0.2rem 0;
}

.rg-discount-line {
  display: flex;
  align-items: flex-start;
  gap: 0.4rem;
  font-size: 0.86rem;
  line-height: 1.5;
  margin: 0.3rem 0;
  cursor: pointer;
}

.rg-discount-line input {
  margin-top: 0.2rem;
  flex-shrink: 0;
}

/* 반환보증: 할인 체크 행(참고용 계산기와 동일 항목) */
.rg-dsc-grp {
  font-size: 0.8rem;
  font-weight: 700;
  margin: 0.9rem 0 0.4rem;
  padding: 0.2rem 0.45rem;
  display: inline-block;
  border-radius: 6px;
}
.rg-dsc-grp--60 {
  color: #6b3a8c;
  background: #f3e8f7;
  margin-top: 0.35rem;
}
.rg-dsc-grp--40 {
  color: #1e5f8a;
  background: #e8f2fa;
}
.rg-dsc-checkrow {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  margin: 0.4rem 0;
  padding: 0.5rem 0.6rem;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  background: var(--surface);
}
.rg-dsc-checkrow--stack {
  border-color: #2d7a4d;
  background: #f0faf3;
}
.rg-dsc-checkrow input[type="checkbox"] {
  margin-top: 0.2rem;
  flex-shrink: 0;
}
.rg-dsc-checkrow__title {
  display: block;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text);
  cursor: pointer;
}
.rg-dsc-pct {
  font-weight: 800;
  color: var(--btn-primary-mid);
  margin-left: 0.15rem;
}
.rg-dsc-checkrow__desc {
  margin: 0.2rem 0 0;
  font-size: 0.75rem;
  line-height: 1.45;
  color: var(--muted);
}
.rg-dsc-badge-stack {
  display: inline-block;
  font-size: 0.65rem;
  font-weight: 700;
  margin-left: 0.35rem;
  padding: 0.1rem 0.4rem;
  border-radius: 4px;
  background: #2d7a4d;
  color: #fff;
  vertical-align: middle;
}

/* 반환보증: 접기·펼치기(월세 환산, 할인 항목 그룹) */
details.rg-collapse {
  padding: 0.65rem 0.75rem 0.75rem;
}
details.rg-collapse > .rg-collapse__summary {
  list-style: none;
  cursor: pointer;
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--btn-primary-mid);
  padding: 0.1rem 0 0.35rem 1.1rem;
  margin: 0;
  position: relative;
}
details.rg-collapse > .rg-collapse__summary::before {
  content: "▶";
  position: absolute;
  left: 0.05rem;
  top: 0.3rem;
  font-size: 0.55em;
  opacity: 0.7;
  line-height: 1;
}
details.rg-collapse[open] > .rg-collapse__summary::before {
  content: "▼";
  font-size: 0.5em;
  top: 0.45rem;
}
details.rg-collapse > .rg-collapse__summary::-webkit-details-marker {
  display: none;
}
details.rg-collapse--wolse > .rg-collapse__summary {
  font-size: 0.95rem;
  padding-bottom: 0;
  margin: 0;
}
details.rg-collapse--wolse:not([open]) > .rg-collapse__summary {
  padding-bottom: 0.15rem;
}
details.rg-collapse .rg-collapse__body {
  padding-top: 0.5rem;
  margin: 0;
  border-top: 1px dashed var(--border);
}
details.rg-dsc-subcoll {
  margin-top: 0.5rem;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--surface);
  padding: 0.35rem 0.5rem 0.45rem;
}
details.rg-dsc-subcoll > .rg-dsc-subcoll__summary {
  list-style: none;
  cursor: pointer;
  padding: 0.25rem 0.1rem 0.3rem 1.1rem;
  font-weight: 600;
  display: block;
  position: relative;
}
details.rg-dsc-subcoll > .rg-dsc-subcoll__summary::before {
  content: "▶";
  position: absolute;
  left: 0.15rem;
  top: 0.4rem;
  font-size: 0.55em;
  opacity: 0.7;
  line-height: 1;
}
details.rg-dsc-subcoll[open] > .rg-dsc-subcoll__summary::before {
  content: "▼";
  font-size: 0.5em;
  top: 0.5rem;
}
details.rg-dsc-subcoll > .rg-dsc-subcoll__summary .rg-dsc-grp {
  display: inline-block;
  vertical-align: middle;
}
details.rg-dsc-subcoll > .rg-dsc-subcoll__summary::-webkit-details-marker {
  display: none;
}
details.rg-dsc-subcoll[open] > .rg-dsc-subcoll__summary {
  border-bottom: 1px dashed var(--border);
  margin-bottom: 0.45rem;
  padding-bottom: 0.4rem;
}
.rg-dsc-subcoll__body {
  padding: 0 0.1rem 0.15rem;
}
details.rg-dsc-subcoll .rg-dsc-checkrow:first-of-type {
  margin-top: 0.15rem;
}

/* 반환보증: 주택가격(A) 입력란 바로 아래 확인 링크 */
.rg-price-links {
  margin-top: 0.65rem;
  padding: 0.65rem 0.85rem;
  background: var(--surface2);
  border-radius: var(--radius);
  border: 1px solid var(--border);
}

.rg-price-links__title {
  margin: 0 0 0.4rem;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--btn-primary-mid);
}

.rg-price-links .doc-list {
  margin: 0;
  font-size: 0.88rem;
}

/* 반환보증: 주택 유형 아래 KB 시세 안내 — field-hint(0.75rem)보다 약간 작게 */
.rg-kb-hint {
  margin-top: 0.4rem;
  line-height: 1.55;
  font-size: 0.68rem;
}

.hub-grid {
  display: grid;
  gap: 1rem;
  grid-template-columns: 1fr;
}

@media (min-width: 720px) {
  .hub-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.hub-card {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  min-height: 100%;
}

.hub-card-title {
  margin: 0;
  font-size: 1.08rem;
  font-weight: 700;
  color: #114533;
  letter-spacing: -0.02em;
}

.hub-card-desc {
  margin: 0;
  font-size: 0.88rem;
  color: var(--muted);
  line-height: 1.55;
  flex: 1;
}

.hub-card-actions {
  margin-top: 0.35rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  align-items: center;
}

a.hub-btn-primary,
button.hub-btn-primary {
  display: inline-block;
  padding: 0.65rem 1.1rem;
  border-radius: 10px;
  background: linear-gradient(
    165deg,
    var(--btn-primary-top) 0%,
    var(--btn-primary-mid) 48%,
    var(--btn-primary-bottom) 100%
  );
  color: #f4faf8 !important;
  font-weight: 700;
  font-size: 0.88rem;
  letter-spacing: -0.01em;
  text-decoration: none;
  border: 1px solid var(--btn-primary-border);
  box-shadow: var(--btn-primary-shadow);
  transition: box-shadow 0.18s ease, filter 0.18s ease, transform 0.18s ease;
}

button.hub-btn-primary {
  cursor: pointer;
  font-family: inherit;
  line-height: inherit;
}

a.hub-btn-primary:hover,
button.hub-btn-primary:hover:not(:disabled) {
  filter: brightness(1.06);
  box-shadow: var(--btn-primary-shadow-hover);
  transform: translateY(-1px);
}

button.hub-btn-primary:disabled {
  opacity: 0.72;
  cursor: not-allowed;
  transform: none;
}

a.hub-btn-secondary {
  display: inline-block;
  padding: 0.6rem 1rem;
  border-radius: 10px;
  background: #ffffff;
  color: #1f4038 !important;
  font-weight: 700;
  font-size: 0.88rem;
  letter-spacing: -0.01em;
  text-decoration: none;
  border: 1px solid rgba(53, 107, 94, 0.4);
  transition: background 0.18s ease, border-color 0.18s ease, transform 0.18s ease;
}

a.hub-btn-secondary:hover {
  background: rgba(53, 107, 94, 0.08);
  border-color: var(--btn-primary-mid);
  transform: translateY(-1px);
}

span.hub-soon {
  display: inline-block;
  padding: 0.55rem 0.95rem;
  border-radius: 10px;
  border: 1px dashed rgba(53, 107, 94, 0.35);
  background: rgba(53, 107, 94, 0.06);
  color: #4a6b62;
  font-size: 0.82rem;
  font-weight: 600;
}

/* —— Smartphones & narrow viewports: full-width cards, less wasted side margin —— */
@media (max-width: 719px) {
  header {
    max-width: none;
    margin: 0;
    padding: 1.1rem max(0.55rem, env(safe-area-inset-left, 0px)) 0.85rem
      max(0.55rem, env(safe-area-inset-right, 0px));
    border-radius: 0;
    border-left: none;
    border-right: none;
  }

  .disclaimer {
    padding: 0.65rem 0.7rem;
  }

  main {
    max-width: none;
    margin: 0;
    padding: 0 0 2.25rem;
  }

  footer {
    max-width: none;
    margin: 0;
    padding: 0 max(0.55rem, env(safe-area-inset-left, 0px)) 1.5rem
      max(0.55rem, env(safe-area-inset-right, 0px));
  }

  .quick-nav {
    gap: 0.4rem;
  }

  .quick-nav a {
    font-size: 0.75rem;
    padding: 0.28rem 0.5rem;
  }

  .quick-nav a.quick-nav__registry {
    font-size: 0.8rem;
    font-weight: 800;
    padding: 0.36rem 0.72rem;
  }

  .cross-nav-cta {
    display: block;
    width: 100%;
    text-align: center;
    box-sizing: border-box;
  }

  .modal-overlay {
    padding: 0.4rem;
  }

  section.card {
    border-radius: 0;
    border-left: none;
    border-right: none;
    margin-bottom: 0.65rem;
    padding: 0.8rem max(0.6rem, env(safe-area-inset-left, 0px)) 0.9rem
      max(0.6rem, env(safe-area-inset-right, 0px));
  }

  .grid {
    gap: 0.65rem;
  }

  .income-accordion {
    margin-bottom: 0.65rem;
    padding: 0 max(0.45rem, env(safe-area-inset-left, 0px)) 0 max(0.45rem, env(safe-area-inset-right, 0px));
  }

  .income-accordion__toggle {
    width: 100%;
    max-width: 100%;
    box-sizing: border-box;
    padding: 0.6rem 0.65rem;
  }

  .return-guarantee-grid {
    gap: 0.7rem;
  }

  .rg-result-box {
    padding: 0.75rem 0.6rem;
  }

  details.rg-collapse {
    padding: 0.5rem 0.5rem 0.55rem;
  }

  details.rg-dsc-subcoll {
    margin-top: 0.4rem;
    padding: 0.3rem 0.4rem 0.4rem;
  }

  .hub-grid {
    gap: 0.65rem;
  }

  .hub-card {
    gap: 0.5rem;
  }

  .hub-card-title {
    font-size: 1.02rem;
  }

  .hub-card-desc {
    font-size: 0.85rem;
  }

  .hub-card-actions {
    flex-direction: column;
    align-items: stretch;
    margin-top: 0.2rem;
    gap: 0.4rem;
  }

  a.hub-btn-primary,
  button.hub-btn-primary,
  a.hub-btn-secondary {
    width: 100%;
    text-align: center;
    box-sizing: border-box;
  }

  .btn-primary,
  .btn-secondary {
    width: 100%;
    box-sizing: border-box;
  }

  .label-with-calc .btn-secondary {
    width: auto;
    min-width: 4.5rem;
  }
}

/* 서류 추출 → 계산기 자동 입력 안내 */
.paperwork-prefill-banner {
  margin: 0 0 1rem;
  padding: 0.85rem 1rem;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: linear-gradient(165deg, #eaf6ef 0%, #f5faf7 100%);
  box-shadow: 0 4px 14px rgba(32, 72, 62, 0.08);
}

.paperwork-prefill-banner__inner {
  position: relative;
  padding-right: 4rem;
}

.paperwork-prefill-banner strong {
  display: block;
  margin-bottom: 0.35rem;
  font-size: 0.92rem;
  color: #114533;
}

.paperwork-prefill-banner p {
  margin: 0.25rem 0 0;
  font-size: 0.82rem;
  color: var(--muted);
  line-height: 1.45;
}

.paperwork-prefill-banner__note {
  font-size: 0.78rem !important;
}

.paperwork-prefill-banner__close {
  position: absolute;
  top: 0;
  right: 0;
  border: 1px solid var(--border);
  border-radius: 8px;
  background: var(--surface);
  color: var(--muted);
  font-size: 0.78rem;
  padding: 0.25rem 0.55rem;
  cursor: pointer;
}

.paperwork-prefill-banner__close:hover {
  border-color: var(--accent);
  color: var(--text);
}