/* ───────── JUNGAM PARTNERS · BI v4 기반 웹 스타일 (기획안 19·20장) ───────── */
:root {
  --brass: #B08D4F;
  --brass-hover: #A0803F;        /* 명도 -8% */
  --brass-text: #86683A;         /* 작은 글씨용 (명도대비 4.5:1 확보) */
  --slate: #1E2126;
  --granite: #7C7F86;
  --granite-text: #5F6269;       /* 보조 텍스트 (명도대비 확보) */
  --lime: #F4F2ED;
  --white: #FFFFFF;
  --line: rgba(30, 33, 38, .12);
  --line-strong: rgba(30, 33, 38, .28);
  --error: #A8574A;
  --serif: 'Noto Serif KR', serif;
  --sans: 'Noto Sans KR', system-ui, -apple-system, 'Apple SD Gothic Neo', 'Malgun Gothic', sans-serif;
  --en: 'Jost', var(--sans);
  --r-btn: 6px;
  --r-card: 14px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0; background: var(--lime); color: var(--slate);
  font-family: var(--sans); font-weight: 400; font-size: 16px; line-height: 1.75;
  word-break: keep-all; overflow-wrap: anywhere;
}
a { color: inherit; }
img, svg { display: block; max-width: 100%; }
h1, h2, h3, h4 { margin: 0; line-height: 1.35; }
p { margin: 0; }
button, input, select, textarea { font: inherit; color: inherit; }
:focus-visible { outline: 2px solid var(--brass); outline-offset: 2px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: -9999px; top: 8px; background: var(--slate); color: var(--lime); padding: 8px 14px; z-index: 100; border-radius: var(--r-btn); }
.skip:focus { left: 16px; }
mark.todo { background: #FFE9A8; color: #6B4E00; padding: 0 4px; border-radius: 3px; font-size: .92em; }

.wrap { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 16px; }
.wrap.narrow { max-width: 820px; }
@media (min-width: 768px) { .wrap { padding: 0 32px; } }

.label-en { font-family: var(--en); font-size: 12px; letter-spacing: .3em; text-transform: uppercase; color: var(--brass-text); font-weight: 500; }
.muted { color: var(--granite-text); }
.small { font-size: 14px; }

/* ───────── 로고 ───────── */
.logo, .footer-logo, .adm-logo { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; }
.logo .logo-symbol { width: 40px; height: 32px; }
.logo-type { display: flex; flex-direction: column; line-height: 1; }
.logo-main { font-family: var(--serif); font-weight: 600; font-size: 19px; letter-spacing: .04em; }
.logo-sub { font-family: var(--en); font-size: 9px; letter-spacing: .42em; color: var(--brass-text); margin-top: 4px; }

/* ───────── 헤더 ───────── */
.site-header { background: var(--lime); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 50; }
.header-row { display: flex; align-items: center; justify-content: space-between; min-height: 60px; gap: 12px; transition: min-height .2s; }
.header-right { display: flex; align-items: center; gap: 8px; }
.btn.header-cta { display: none; }
.header-tel { width: 44px; height: 44px; display: grid; place-items: center; }
.header-tel svg, .quick svg { width: 24px; height: 24px; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linejoin: round; stroke-linecap: round; }
.hamburger { width: 44px; height: 44px; background: none; border: 0; padding: 0; display: grid; place-content: center; gap: 5px; cursor: pointer; }
.hamburger span { display: block; width: 22px; height: 2px; background: var(--slate); transition: transform .2s, opacity .2s; }
.hamburger[aria-expanded=true] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger[aria-expanded=true] span:nth-child(2) { opacity: 0; }
.hamburger[aria-expanded=true] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.gnb, .mega { display: none; }

/* 모바일 전체메뉴 (풀스크린 아코디언) */
.mnav { position: fixed; inset: 0; z-index: 40; background: var(--lime); padding-top: 61px; display: flex; flex-direction: column; }
.mnav[hidden] { display: none; }
.mnav-body { flex: 1; overflow-y: auto; padding: 8px 16px 24px; }
.m-acc, .m-single { border-bottom: 1px solid var(--line); }
.m-acc summary, .m-single { display: block; padding: 18px 4px; font-size: 19px; font-weight: 500; cursor: pointer; text-decoration: none; list-style: none; }
.m-acc summary::-webkit-details-marker { display: none; }
.m-acc summary::after { content: '+'; float: right; color: var(--brass-text); font-weight: 400; }
.m-acc[open] summary::after { content: '−'; }
.m-acc ul { list-style: none; margin: 0; padding: 0 4px 14px; display: grid; gap: 2px; }
.m-acc li a { display: block; padding: 10px 12px; text-decoration: none; color: var(--granite-text); font-size: 16px; background: var(--white); border-radius: var(--r-btn); }
.mnav-foot { padding: 12px 16px calc(12px + env(safe-area-inset-bottom)); border-top: 1px solid var(--line); background: var(--lime); }
body.nav-open { overflow: hidden; }

/* 플로팅 퀵메뉴: 모바일·태블릿은 하단 가로 바 */
.quick { position: fixed; left: 0; right: 0; bottom: 0; z-index: 30; display: grid; grid-auto-flow: column; grid-auto-columns: 1fr; background: var(--slate); padding-bottom: env(safe-area-inset-bottom); }
.quick a { display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 2px; min-height: 58px; color: var(--lime); text-decoration: none; font-size: 12px; }
.quick .quick-cta { background: var(--brass); color: var(--slate); font-weight: 700; }
body:has(.quick) { padding-bottom: calc(58px + env(safe-area-inset-bottom)); }

@media (min-width: 1024px) {
  .header-row { min-height: 84px; }
  .btn.header-cta { display: inline-flex; white-space: nowrap; padding: 0 14px; }
  .header-tel, .hamburger, .mnav { display: none; }
  .gnb { display: block; flex: 1; }
  .gnb-list { list-style: none; margin: 0; padding: 0; display: flex; justify-content: center; gap: 2px; }
  .gnb-link { display: flex; align-items: center; height: 84px; padding: 0 clamp(7px, 1.4vw, 22px); font-size: clamp(14px, 1.35vw, 17px); font-weight: 500; white-space: nowrap; text-decoration: none; position: relative; transition: height .2s; }
  .gnb-link::after { content: ''; position: absolute; left: clamp(7px, 1.4vw, 22px); right: clamp(7px, 1.4vw, 22px); bottom: 0; height: 3px; background: var(--brass); transform: scaleX(0); transition: transform .15s; }
  .gnb-link:hover::after, .gnb-link:focus-visible::after { transform: scaleX(1); }
  .site-header.is-scrolled .header-row { min-height: 60px; }
  .site-header.is-scrolled .gnb-link { height: 60px; }

  .mega { position: absolute; left: 0; right: 0; top: 100%; background: var(--white); border-bottom: 1px solid var(--line); box-shadow: 0 12px 24px rgba(30, 33, 38, .08); }
  .mega.open { display: block; }
  .mega-grid { display: grid; grid-template-columns: repeat(7, minmax(0, 1fr)); gap: 12px; padding-top: 28px; padding-bottom: 32px; }
  .mega-title { font-family: var(--serif); font-weight: 600; font-size: 15px; padding-bottom: 10px; margin-bottom: 10px; border-bottom: 2px solid var(--brass); }
  .mega-col ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 2px; }
  .mega-col a { display: block; padding: 5px 0; font-size: 14px; color: var(--granite-text); text-decoration: none; line-height: 1.45; }
  .mega-col a:hover, .mega-col a:focus-visible { color: var(--slate); text-decoration: underline; text-decoration-color: var(--brass); text-underline-offset: 4px; }
}

/* 대형 화면: 우측 세로 퀵메뉴 */
@media (min-width: 1360px) {
  body:has(.quick) { padding-bottom: 0; }
  .quick { left: auto; right: 16px; bottom: auto; top: 50%; transform: translateY(-50%); grid-auto-flow: row; grid-auto-columns: auto; width: 68px; background: transparent; padding: 0; gap: 8px; }
  .quick a { background: var(--white); color: var(--slate); border: 1px solid var(--line-strong); border-radius: 12px; min-height: 68px; box-shadow: 0 4px 12px rgba(30, 33, 38, .08); }
  .quick a:hover { border-color: var(--slate); }
  .quick .quick-cta { background: var(--brass); border-color: var(--brass); }
}

/* ───────── 버튼 ───────── */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 52px; padding: 0 26px; border-radius: var(--r-btn); border: 1px solid transparent;
  font-weight: 500; font-size: 16px; text-decoration: none; cursor: pointer; transition: background .15s, border-color .15s, color .15s;
}
.btn-cta { background: var(--brass); color: var(--white); font-weight: 700; font-size: 19px; }
.btn-cta:hover:not(:disabled) { background: var(--brass-hover); }
.btn-cta.btn-sm { color: var(--slate); font-size: 15px; }
.btn-primary { background: var(--slate); color: var(--lime); }
.btn-primary:hover { background: #33373E; }
.btn-secondary { background: var(--white); color: var(--slate); border-color: var(--line-strong); }
.btn-secondary:hover { border-color: var(--slate); }
.btn-outline { background: transparent; color: var(--slate); border-color: var(--slate); }
.btn-outline:hover { background: var(--slate); color: var(--lime); }
.btn-sm { min-height: 40px; padding: 0 16px; font-size: 15px; }
.btn-block { width: 100%; }
.btn:disabled { background: #D9D6CF; color: var(--granite-text); cursor: not-allowed; }
@media (max-width: 767px) { .btn { min-height: 48px; } .btn-sm { min-height: 40px; } }
.linklike { background: none; border: 0; padding: 0; color: inherit; text-decoration: underline; cursor: pointer; font-size: inherit; }

.spinner { display: none; width: 18px; height: 18px; border: 2px solid rgba(255,255,255,.5); border-top-color: #fff; border-radius: 50%; animation: spin .8s linear infinite; }
.is-loading .spinner { display: inline-block; }
.is-loading .btn-cta:disabled { background: var(--brass); color: var(--white); opacity: .85; }
@keyframes spin { to { transform: rotate(360deg); } }
@media (prefers-reduced-motion: reduce) { .spinner { animation-duration: 2s; } }

/* ───────── 상담신청 페이지 ───────── */
.inq-hero { padding: 72px 0 40px; }
.inq-hero h1 { font-family: var(--serif); font-weight: 600; font-size: 32px; margin: 10px 0 12px; }
.inq-hero .lead { color: var(--granite-text); max-width: 560px; }
@media (min-width: 1024px) { .inq-hero { padding: 120px 0 56px; } .inq-hero h1 { font-size: 48px; } }

.inq-body { padding-bottom: 72px; }
@media (min-width: 1024px) { .inq-body { padding-bottom: 120px; } }
.inq-grid { display: grid; gap: 24px; }
@media (min-width: 1024px) { .inq-grid { grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: 40px; align-items: start; } .inq-aside { position: sticky; top: 104px; } }
@media (max-width: 1023px) { .inq-aside { order: 2; } }

.trust-card { background: var(--slate); color: var(--lime); border-radius: var(--r-card); padding: 32px 28px; }
.trust-card .label-en { color: #CDB184; }
.trust-card h2 { font-family: var(--serif); font-weight: 600; font-size: 22px; margin: 12px 0 18px; }
.trust-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; font-size: 15px; font-weight: 300; }
.trust-list li { padding-left: 18px; position: relative; }
.trust-list li::before { content: ''; position: absolute; left: 0; top: .72em; width: 8px; height: 8px; background: var(--brass); }

.steps-card { margin-top: 16px; background: var(--white); border: 1px solid var(--line); border-radius: var(--r-card); padding: 28px; }
.steps { list-style: none; margin: 16px 0 0; padding: 0; display: grid; gap: 18px; }
.steps li { display: flex; gap: 16px; align-items: flex-start; }
.step-no { font-family: var(--en); font-size: 14px; color: var(--brass-text); letter-spacing: .08em; border-top: 1px solid var(--brass); padding-top: 4px; min-width: 28px; }
.steps strong { font-weight: 500; }
.steps p { font-size: 14px; color: var(--granite-text); line-height: 1.6; }

.form-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--r-card); padding: 28px 20px; scroll-margin-top: 90px; }
@media (min-width: 768px) { .form-card { padding: 44px 44px 36px; } }
.form-title { font-family: var(--serif); font-weight: 600; font-size: 26px; }
.form-note { margin: 6px 0 28px; color: var(--granite-text); font-size: 14px; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 6px; }
.req { color: var(--brass-text); font-weight: 700; }
.req-legend { white-space: nowrap; }

.grid-2 { display: grid; gap: 0 20px; }
@media (min-width: 640px) { .grid-2 { grid-template-columns: 1fr 1fr; } }

.field { margin: 0 0 18px; border: 0; padding: 0; min-width: 0; }
.field > label, .field > legend { display: block; font-size: 15px; font-weight: 500; margin-bottom: 8px; padding: 0; }
.field .sub { font-weight: 300; color: var(--granite-text); font-size: 13px; }
input[type=text], input[type=tel], input[type=search], input[type=password], input[type=date], input:not([type]), select, textarea {
  width: 100%; min-height: 48px; padding: 10px 14px; background: var(--white);
  border: 1px solid var(--line-strong); border-radius: var(--r-btn); font-size: 16px; line-height: 1.5;
  transition: border-color .15s, box-shadow .15s;
}
textarea { resize: vertical; min-height: 120px; }
input::placeholder, textarea::placeholder { color: #A3A5AA; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--slate); box-shadow: 0 0 0 3px rgba(176, 141, 79, .28); }
.has-err input, .has-err textarea, input[aria-invalid=true] { border-color: var(--error); }
.err { color: var(--error); font-size: 13px; margin-top: 6px; line-height: 1.5; }
.err:empty { display: none; }
.hint { color: #3F6B4A; font-size: 13px; margin-top: 6px; }
.hint:empty { display: none; }
.counter { text-align: right; font-size: 13px; color: var(--granite-text); margin-top: 4px; }
.counter.near { color: var(--brass-text); }
input[type=file] { width: 100%; font-size: 14px; padding: 10px; border: 1px dashed var(--line-strong); border-radius: var(--r-btn); background: var(--lime); }
input[type=file]::file-selector-button { margin-right: 12px; padding: 6px 14px; border: 1px solid var(--line-strong); border-radius: var(--r-btn); background: var(--white); cursor: pointer; font: inherit; }

.checks { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }
@media (min-width: 640px) { .checks { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.check { display: flex; align-items: flex-start; gap: 10px; cursor: pointer; font-size: 15px; line-height: 1.5; }
.checks .check { border: 1px solid var(--line-strong); border-radius: var(--r-btn); padding: 12px; min-height: 48px; align-items: center; transition: border-color .15s, background .15s; }
.checks .check:has(input:checked) { border-color: var(--slate); background: var(--lime); }
.check input { appearance: none; -webkit-appearance: none; flex: none; width: 20px; height: 20px; margin: 1px 0 0; border: 1.5px solid var(--granite); border-radius: 3px; background: var(--white); display: grid; place-content: center; cursor: pointer; }
.check input::before { content: ''; width: 11px; height: 11px; transform: scale(0); transition: transform .1s; background: var(--white); clip-path: polygon(14% 44%, 0 65%, 50% 100%, 100% 16%, 80% 0%, 43% 62%); }
.check input:checked { background: var(--slate); border-color: var(--slate); }
.check input:checked::before { transform: scale(1); }

.consents { border-top: 1px solid var(--line); margin-top: 8px; padding-top: 18px; display: grid; gap: 12px; }
.consent-detail { margin: 6px 0 0 30px; font-size: 14px; }
.consent-detail summary { cursor: pointer; color: var(--brass-text); text-decoration: underline; text-underline-offset: 3px; width: max-content; list-style: none; }
.consent-detail summary::-webkit-details-marker { display: none; }
.consent-detail summary::after { content: ' ▾'; }
.consent-detail[open] summary::after { content: ' ▴'; }
.consent-body { margin-top: 10px; background: var(--lime); border-radius: 8px; padding: 16px; max-height: 320px; overflow: auto; line-height: 1.65; }
.consent-body h4 { font-size: 14px; margin: 14px 0 4px; }
.consent-body p + p { margin-top: 6px; }
.consent-table { width: 100%; border-collapse: collapse; margin: 10px 0; font-size: 13px; background: var(--white); }
.consent-table th, .consent-table td { border: 1px solid var(--line-strong); padding: 8px; text-align: left; vertical-align: top; }
.consent-table thead th { background: #EAE7E0; font-weight: 500; }
.consent-table tbody th { font-weight: 500; white-space: nowrap; }

.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.form-err { margin: 14px 0 0; font-size: 14px; }
#submit-btn { margin-top: 20px; }
.recaptcha-note { font-size: 12px; color: var(--granite-text); margin-top: 10px; }
.grecaptcha-badge { visibility: hidden; }
.compliance-note { margin-top: 24px; padding-top: 18px; border-top: 1px solid var(--line); font-size: 13px; color: var(--granite-text); line-height: 1.65; }
.compliance-note strong { color: var(--slate); font-weight: 500; }

/* ───────── 접수 완료 ───────── */
.complete { padding: 72px 0; }
.complete-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--r-card); padding: 48px 24px; text-align: center; }
.check-mark { width: 64px; height: 64px; margin: 0 auto 20px; }
.complete-card h1 { font-family: var(--serif); font-weight: 600; font-size: 26px; margin: 10px 0 14px; }
.complete-card .lead { font-size: 17px; }
.complete-card .lead strong { color: var(--brass-text); font-weight: 700; }
.complete-card .muted { margin-top: 10px; font-size: 15px; }
.complete-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin-top: 32px; }
@media (min-width: 768px) { .complete { padding: 120px 0; } .complete-card { padding: 64px 48px; } .complete-card h1 { font-size: 36px; } }

/* ───────── 문서 (처리방침) ───────── */
.doc { padding: 72px 0; }
.doc h1 { font-family: var(--serif); font-weight: 600; font-size: 32px; margin: 10px 0 24px; }
.doc h2 { font-size: 19px; font-weight: 700; margin: 36px 0 10px; }
.doc p + p, .doc ul { margin-top: 8px; }
.doc ul { padding-left: 20px; }
.doc .consent-table { font-size: 14px; }

/* ───────── 푸터 ───────── */
.site-footer { background: var(--slate); color: #C9CBCF; padding: 56px 0; font-size: 14px; line-height: 1.7; }
.footer-grid { display: grid; gap: 28px; }
@media (min-width: 768px) { .footer-grid { grid-template-columns: 220px 1fr; } }
.footer-logo { flex-direction: column; align-items: flex-start; color: var(--lime); }
.footer-logo .logo-symbol { width: 48px; height: 38px; }
.footer-logo .logo-sub { color: #CDB184; }
.footer-info p + p { margin-top: 4px; }
.footer-legal { color: var(--lime); margin-bottom: 14px !important; font-weight: 300; }
.footer-legal strong { font-weight: 500; }
.footer-links a { color: var(--lime); }
.copy { margin-top: 14px !important; font-family: var(--en); font-size: 12px; letter-spacing: .05em; color: #9A9DA3; }
.site-footer mark.todo { font-size: 12px; }

/* ───────── 메인 페이지 ───────── */
.btn-ghost { background: transparent; color: var(--lime); border-color: rgba(244, 242, 237, .5); }
.btn-ghost:hover { border-color: var(--lime); background: rgba(244, 242, 237, .08); }
.hero { background: var(--slate); color: var(--lime); padding: 72px 0 80px; overflow: hidden; }
.hero .label-en { color: #CDB184; }
.hero h1 { font-family: var(--serif); font-weight: 600; font-size: 32px; line-height: 1.4; margin: 16px 0 18px; }
.hero-sub { font-weight: 300; font-size: 17px; max-width: 560px; color: #D8DADE; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }
.hero-actions .btn { flex: 1 1 200px; }
.hero-mark { display: none; }
@media (min-width: 1024px) {
  .hero { padding: 132px 0 140px; }
  .hero-grid { display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 3fr); align-items: center; gap: 40px; }
  .hero h1 { font-size: 52px; }
  .hero-sub { font-size: 19px; }
  .hero-actions .btn { flex: 0 0 auto; min-width: 220px; }
  .hero-mark { display: block; opacity: .16; }
  .hero-mark svg { width: 100%; height: auto; }
}

.sec { padding: 64px 0; }
.sec-white { background: var(--white); }
@media (min-width: 1024px) { .sec { padding: 104px 0; } }
.sec-head { margin-bottom: 36px; }
.sec-head h2 { font-family: var(--serif); font-weight: 600; font-size: 26px; margin: 10px 0 10px; }
.sec-sub { color: var(--granite-text); }
@media (min-width: 1024px) { .sec-head { margin-bottom: 48px; } .sec-head h2 { font-size: 36px; } }
.note { margin-top: 20px; font-size: 13px; color: var(--granite-text); }
.no { font-family: var(--en); font-size: 14px; letter-spacing: .08em; color: var(--brass-text); }

.card-grid { display: grid; gap: 14px; }
@media (min-width: 640px) { .card-grid.c3, .card-grid.c4 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1024px) { .card-grid { gap: 20px; } .card-grid.c3 { grid-template-columns: repeat(3, minmax(0, 1fr)); } .card-grid.c4 { grid-template-columns: repeat(4, minmax(0, 1fr)); } }
.fund-card, .cert-card, .svc-card { position: relative; display: flex; flex-direction: column; gap: 8px; padding: 26px 24px; background: var(--white); border: 1px solid var(--line); border-radius: var(--r-card); text-decoration: none; transition: border-color .15s, transform .15s; }
.sec-white .svc-card { background: var(--lime); border-color: transparent; }
.fund-card:hover, .cert-card:hover { border-color: var(--slate); transform: translateY(-2px); }
.fund-card strong, .cert-card strong { font-family: var(--serif); font-weight: 600; font-size: 20px; }
.fund-card span:not(.no), .cert-card span, .svc-card p { font-size: 14px; color: var(--granite-text); line-height: 1.6; }
.fund-card em, .cert-card em { font-style: normal; margin-top: auto; padding-top: 10px; color: var(--brass-text); }
.svc-card h3 { font-size: 18px; font-weight: 500; }

.stats { padding: 48px 0; border-block: 1px solid var(--line); }
.stat-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; text-align: center; }
@media (min-width: 768px) { .stat-grid { grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); } }
.stat-num { font-family: var(--en); font-size: 40px; font-weight: 500; line-height: 1.2; }
.stat-num small { font-size: 18px; margin-left: 2px; color: var(--brass-text); }
.stat-label { font-size: 14px; color: var(--granite-text); }

.step-flow { list-style: none; margin: 0; padding: 0; display: grid; gap: 0; counter-reset: s; }
.step-flow li { display: grid; grid-template-columns: 44px 1fr; column-gap: 12px; padding: 18px 0; border-top: 1px solid var(--line-strong); }
.step-flow .step-no { grid-row: span 2; font-family: var(--en); color: var(--brass-text); }
.step-flow strong { font-weight: 500; font-size: 18px; }
.step-flow p { font-size: 14px; color: var(--granite-text); }
@media (min-width: 1024px) {
  .step-flow { grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 24px; }
  .step-flow li { display: block; padding: 18px 0 0; border-top: 2px solid var(--slate); }
  .step-flow .step-no { display: block; margin-bottom: 10px; }
}

.tab-list { display: flex; gap: 4px; border-bottom: 1px solid var(--line-strong); margin-bottom: 28px; }
.tab-list button { background: none; border: 0; padding: 14px 22px; font-size: 17px; font-weight: 500; color: var(--granite-text); cursor: pointer; border-bottom: 3px solid transparent; margin-bottom: -1px; }
.tab-list button[aria-selected=true] { color: var(--slate); border-bottom-color: var(--brass); }
.tab-panel[hidden] { display: none; }
.check-list { list-style: none; padding: 0; margin: 14px 0 24px; display: grid; gap: 10px; }
.check-list li { padding-left: 24px; position: relative; font-size: 17px; }
.check-list li::before { content: ''; position: absolute; left: 2px; top: .7em; width: 10px; height: 2px; background: var(--brass); }

.faq details { border-bottom: 1px solid var(--line-strong); }
.faq summary { padding: 20px 32px 20px 0; font-weight: 500; font-size: 17px; cursor: pointer; list-style: none; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: '+'; position: absolute; right: 4px; color: var(--brass-text); font-size: 22px; line-height: 1; top: 20px; }
.faq details[open] summary::after { content: '−'; }
.faq details p { padding: 0 0 22px; color: var(--granite-text); }
.faq-more { margin-top: 20px; text-align: right; }

.cta-banner { background: var(--slate); color: var(--lime); text-align: center; padding: 72px 0; }
.cta-banner h2 { font-family: var(--serif); font-weight: 600; font-size: 26px; }
.cta-banner p { margin-top: 10px; font-weight: 300; color: #D8DADE; }
.cta-banner .hero-actions { justify-content: center; }
@media (min-width: 1024px) { .cta-banner { padding: 104px 0; } .cta-banner h2 { font-size: 38px; } }

/* ───────── 서비스 상세 템플릿 ───────── */
.svc-hero { background: var(--slate); color: var(--lime); padding: 40px 0 48px; }
.svc-hero h1 { font-family: var(--serif); font-weight: 600; font-size: 30px; margin: 18px 0 10px; }
.svc-lead { font-weight: 300; color: #D8DADE; max-width: 640px; }
.crumb { display: flex; flex-wrap: wrap; gap: 8px; font-size: 13px; color: #B9BCC2; }
.crumb a { text-decoration: none; }
.crumb a:hover { text-decoration: underline; }
.crumb [aria-current] { color: var(--lime); }
@media (min-width: 1024px) { .svc-hero { padding: 72px 0 80px; } .svc-hero h1 { font-size: 44px; } }
.svc-tabs { background: var(--white); border-bottom: 1px solid var(--line); }
.svc-tabs ul { list-style: none; margin: 0; padding: 0; display: flex; gap: 4px; overflow-x: auto; }
.svc-tabs a { display: block; white-space: nowrap; padding: 14px 16px; font-size: 15px; text-decoration: none; color: var(--granite-text); border-bottom: 3px solid transparent; }
.svc-tabs a[aria-current] { color: var(--slate); font-weight: 500; border-bottom-color: var(--brass); }
.svc-h { font-family: var(--serif); font-weight: 600; font-size: 24px; margin: 8px 0 20px; }
.svc-p + .svc-p { margin-top: 12px; }
.basis { margin-top: 20px; font-size: 13px; color: var(--granite-text); }
.svc-table { width: 100%; border-collapse: collapse; background: var(--white); font-size: 15px; }
.svc-table th, .svc-table td { padding: 14px 16px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
.svc-table th { width: 30%; background: #FBFAF7; font-weight: 500; }
.sec-white .svc-table th { background: var(--lime); }
.doc-grid { display: grid; gap: 14px; }
@media (min-width: 768px) { .doc-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.doc-box { background: var(--white); border: 1px solid var(--line); border-radius: var(--r-card); padding: 22px; }
.doc-box h3 { font-size: 16px; font-weight: 700; }
.doc-box .check-list { margin: 12px 0 0; }
.doc-box .check-list li { font-size: 14px; }

/* ───────── 공개 전 안내 ───────── */
.closed { min-height: 100vh; display: grid; place-items: center; text-align: center; padding: 48px 0; }
.closed h1 { font-family: var(--serif); font-weight: 600; font-size: 32px; margin: 14px 0 12px; }
.closed .lead { color: var(--granite-text); }

/* ───────── 정암파트너스 메뉴·게시판 ───────── */
.faq details p, .faq-a p { white-space: pre-line; }
.faq-cat { font-family: var(--serif); font-weight: 600; font-size: 20px; margin: 36px 0 6px; }
.faq-cat:first-child { margin-top: 0; }
.faq-a { padding: 0 0 22px; color: var(--granite-text); }
.faq-a .svc-p { margin: 0; }
.faq-a p + p { margin-top: 12px; }
.job-due { display: block; font-weight: 400; font-size: 13px; color: var(--granite-text); margin-top: 2px; }
.empty-note { padding: 40px 0; text-align: center; color: var(--granite-text); }
.notice-list { list-style: none; margin: 0; padding: 0; border-top: 2px solid var(--slate); }
.notice-list a { display: flex; justify-content: space-between; gap: 16px; padding: 18px 4px; border-bottom: 1px solid var(--line); text-decoration: none; }
.notice-list a:hover .nl-title { text-decoration: underline; text-decoration-color: var(--brass); text-underline-offset: 4px; }
.notice-list time, .post-card time, .post-meta time { font-family: var(--en); font-size: 13px; color: var(--granite-text); white-space: nowrap; }
.post-card strong { font-size: 18px; }
.tags, .post-meta { display: flex; flex-wrap: wrap; gap: 6px; align-items: center; }
.post-meta { margin-bottom: 14px; }
.post-summary { font-size: 18px; font-weight: 500; margin-bottom: 20px; }
.post-body .svc-p + .svc-p { margin-top: 16px; }
.post-back { margin-top: 40px; }
.terms-h { font-size: 17px; font-weight: 700; margin: 32px 0 8px; }
.terms-h:first-child { margin-top: 0; }
.pager { display: flex; gap: 4px; justify-content: center; margin: 28px 0 0; flex-wrap: wrap; }
.post-form { max-width: 760px; }

/* ───────── 정책자금 진단기 ───────── */
.dx { padding: 24px 20px; }
@media (min-width: 768px) { .dx { padding: 40px 44px; } }
.dx-progress { height: 6px; background: #E6E3DB; border-radius: 999px; overflow: hidden; }
.dx-bar { height: 100%; width: 100%; background: var(--slate); transition: width .25s; }
.dx-js .dx-bar { width: 8%; }
.dx-step { margin: 8px 0 24px; font-family: var(--en); font-size: 13px; color: var(--granite-text); text-align: right; }
.dx-q { border: 0; padding: 0; margin: 0 0 28px; min-width: 0; }
.dx-js .dx-q { margin-bottom: 8px; }
.dx-q legend { padding: 0; font-family: var(--serif); font-weight: 600; font-size: 24px; margin-bottom: 4px; display: flex; gap: 12px; align-items: baseline; }
.dx-no { font-family: var(--en); font-size: 14px; color: var(--brass-text); letter-spacing: .08em; }
.dx-opts { display: grid; gap: 10px; margin-top: 16px; }
@media (min-width: 640px) { .dx-opts { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.dx-opt { display: flex; align-items: center; gap: 12px; min-height: 56px; padding: 12px 16px; border: 1px solid var(--line-strong); border-radius: var(--r-btn); background: var(--white); cursor: pointer; transition: border-color .15s, background .15s; }
.dx-opt:hover { border-color: var(--slate); }
.dx-opt:has(input:checked) { border-color: var(--slate); background: var(--lime); box-shadow: inset 0 0 0 1px var(--slate); }
.dx-opt input { appearance: none; -webkit-appearance: none; flex: none; width: 20px; height: 20px; margin: 0; border: 1.5px solid var(--granite); border-radius: 50%; background: var(--white); display: grid; place-content: center; cursor: pointer; }
.dx-opt input::before { content: ''; width: 10px; height: 10px; border-radius: 50%; background: var(--white); transform: scale(0); transition: transform .1s; }
.dx-opt input:checked { background: var(--slate); border-color: var(--slate); }
.dx-opt input:checked::before { transform: scale(1); }
.dx-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 24px; }
.dx-nav .btn[hidden] { display: none; }
.dx-nav #dx-next { margin-left: auto; min-width: 140px; }
.dx-fund .tag { align-self: flex-start; }
.dx-range { margin: 8px 0 0; padding-top: 12px; border-top: 1px solid var(--line-strong); font-size: 14px; }
.dx-range dt { color: var(--granite-text); font-size: 13px; }
.dx-range dd { margin: 2px 0 0; font-weight: 500; }
.dx-chips { list-style: none; margin: 0; padding: 0; display: grid; gap: 0; border-top: 1px solid var(--line-strong); }
@media (min-width: 640px) { .dx-chips { grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: 32px; } }
.dx-chips li { display: flex; justify-content: space-between; gap: 12px; padding: 10px 2px; border-bottom: 1px solid var(--line); font-size: 15px; }
.dx-chips span { color: var(--granite-text); }
.dx-disclaimer { margin-top: 20px; padding: 14px 16px; background: var(--white); border-left: 3px solid var(--brass); font-size: 14px; color: var(--granite-text); }

.dx-cond-grid { display: grid; gap: 10px; }
@media (min-width: 900px) { .dx-cond-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.dx-cond { border: 1px solid var(--line); border-radius: 8px; padding: 10px 14px 12px; margin: 0; min-width: 0; }
.dx-cond legend { font-size: 13px; font-weight: 500; padding: 0 6px; }
.dx-cond-opts { display: flex; flex-wrap: wrap; gap: 6px 16px; }
.dx-cond .check { font-size: 14px; }

/* ───────── 관리자 ───────── */
body.adm { background: #F7F6F2; font-size: 15px; line-height: 1.6; }
.adm-wrap { max-width: 1400px; margin: 0 auto; padding: 0 16px; }
@media (min-width: 768px) { .adm-wrap { padding: 0 28px; } }
.adm-header { background: var(--slate); color: var(--lime); }
.adm-header-row { display: flex; align-items: center; justify-content: space-between; min-height: 60px; gap: 16px; flex-wrap: wrap; }
.adm-logo { color: var(--lime); font-family: var(--en); letter-spacing: .14em; font-size: 15px; }
.adm-logo svg { width: 32px; height: 26px; }
.adm-logo em { font-style: normal; color: #CDB184; }
.adm-nav { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; font-size: 14px; }
.adm-nav a { text-decoration: none; opacity: .75; }
.adm-nav a.on, .adm-nav a:hover { opacity: 1; box-shadow: inset 0 -2px 0 var(--brass); }
.adm-user small { opacity: .6; }
.adm-nav form { margin: 0; }
main.adm-wrap { padding-top: 28px; padding-bottom: 60px; }
.adm-title-row { display: flex; align-items: baseline; justify-content: space-between; flex-wrap: wrap; gap: 10px; margin-bottom: 16px; }
.adm-title-row h1 { font-size: 22px; font-weight: 700; display: flex; align-items: center; gap: 10px; flex-wrap: wrap; }
.adm-title-row .count { font-size: 15px; color: var(--granite-text); font-weight: 400; }
.status-chips { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 14px; }
.chip { text-decoration: none; font-size: 13px; border: 1px solid var(--line-strong); border-radius: 999px; padding: 5px 12px; background: var(--white); }
.chip b { margin-left: 4px; }
.chip.on { background: var(--slate); color: var(--lime); border-color: var(--slate); }
.filters { display: flex; flex-wrap: wrap; gap: 12px; align-items: flex-end; background: var(--white); border: 1px solid var(--line); border-radius: 10px; padding: 14px; margin-bottom: 14px; }
.filters .f { display: flex; flex-direction: column; gap: 4px; font-size: 13px; }
.filters .f.grow { flex: 1 1 200px; }
.filters label { color: var(--granite-text); }
.filters input, .filters select { min-height: 40px; padding: 6px 10px; font-size: 14px; }
.filters .range { display: flex; align-items: center; gap: 6px; }
.filters .actions { flex-direction: row; gap: 6px; }
.table-wrap { overflow-x: auto; background: var(--white); border: 1px solid var(--line); border-radius: 10px; }
.adm-table { width: 100%; border-collapse: collapse; font-size: 14px; }
.adm-table th { text-align: left; font-weight: 500; color: var(--granite-text); background: #FBFAF7; padding: 10px 12px; border-bottom: 1px solid var(--line); white-space: nowrap; }
.adm-table td { padding: 11px 12px; border-bottom: 1px solid var(--line); vertical-align: top; }
.adm-table tr[data-href] { cursor: pointer; }
.adm-table tr[data-href]:hover td { background: #FBFAF7; }
.adm-table a { text-decoration: none; }
.adm-table .empty { text-align: center; color: var(--granite-text); padding: 40px; }
.nowrap { white-space: nowrap; }
.break { word-break: break-all; }
.tag { display: inline-block; font-size: 12px; background: #EFECE5; border-radius: 4px; padding: 1px 7px; margin: 1px 4px 1px 0; white-space: nowrap; }
.badge { display: inline-block; font-size: 12px; font-weight: 500; border-radius: 999px; padding: 2px 10px; white-space: nowrap; border: 1px solid transparent; }
.s-new { background: #FFF4DE; color: #7A5A12; }
.s-contact { background: #E7EEF7; color: #2D4B70; }
.s-diag { background: #EFE8F6; color: #56396F; }
.s-proposal { background: #E3F1EC; color: #245A45; }
.s-contract { background: var(--slate); color: var(--lime); }
.s-closed { background: #EDEDED; color: #5F6269; }
.chip.s-new, .chip.s-contact, .chip.s-diag, .chip.s-proposal, .chip.s-contract, .chip.s-closed { border-color: transparent; }
.chip.s-contract { background: #DCDDE0; color: var(--slate); }
.chip.on { box-shadow: 0 0 0 2px var(--slate); }
.pager { display: flex; gap: 4px; justify-content: center; margin: 18px 0; flex-wrap: wrap; }
.pager a { min-width: 36px; height: 36px; display: grid; place-items: center; border-radius: 6px; text-decoration: none; background: var(--white); border: 1px solid var(--line); }
.pager a.on { background: var(--slate); color: var(--lime); }
.back a { text-decoration: none; color: var(--granite-text); font-size: 14px; }
.back { margin-bottom: 10px; }
.flash { background: #E3F1EC; color: #245A45; border-radius: 8px; padding: 10px 14px; margin-bottom: 14px; }
.alert { background: #F8E9E6; color: #7D3528; border-radius: 8px; padding: 10px 14px; margin-bottom: 16px; font-size: 14px; }
.detail-grid { display: grid; gap: 18px; }
@media (min-width: 1024px) { .detail-grid { grid-template-columns: 3fr 2fr; align-items: start; } }
.panel { background: var(--white); border: 1px solid var(--line); border-radius: 12px; padding: 22px; }
.panel h2 { font-size: 16px; font-weight: 700; margin: 0 0 12px; }
.panel h2:not(:first-child) { margin-top: 26px; }
.kv { display: grid; grid-template-columns: 120px 1fr; gap: 10px 14px; margin: 0; font-size: 14px; }
.kv dt { color: var(--granite-text); }
.kv dd { margin: 0; }
@media (max-width: 520px) { .kv { grid-template-columns: 1fr; gap: 2px; } .kv dd { margin-bottom: 10px; } }
.pre { white-space: pre-wrap; }
.stack { display: grid; gap: 10px; }
.stack .field { margin: 0; }
.inline { display: inline; margin-left: 8px; }
.memos { list-style: none; padding: 0; margin: 16px 0 0; display: grid; gap: 10px; }
.memos li { border-left: 3px solid var(--brass); background: #FBFAF7; padding: 10px 12px; border-radius: 0 6px 6px 0; }
.login-card { max-width: 420px; margin: 48px auto; background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 32px 28px; }
.login-card h1 { font-size: 22px; margin-bottom: 8px; }
.login-card .muted { font-size: 13px; margin-bottom: 20px; }
.mt { margin-top: 32px; font-size: 18px; margin-bottom: 12px; }