:root {
  --font:
    "Pretendard", "Pretendard Variable", "Noto Sans KR", -apple-system,
    BlinkMacSystemFont, sans-serif;
  --bg: #f8f9fa;
  --glow: rgba(150, 200, 250, 0.8);
  --glow-top: rgba(200, 225, 252, 0.45);
  --surface: #ffffff;
  --surface-2: #f1f3f4;
  --text: #1f1f1f;
  --muted: #5f6368;
  --faint: #9aa0a6;
  --line: #e3e6ea;
  --accent: #0b57d0;
  --on-accent: #ffffff;
  --accent-soft: #d3e3fd;
  --accent-text: #0842a0;
  --cta-off-bg: #e3e6ea;
  --cta-off-text: #9aa0a6;
  --danger: #d93025;
  --shadow: 0 2px 14px rgba(60, 64, 67, 0.12);
  --shadow-lg: 0 10px 34px -12px rgba(60, 100, 170, 0.28);
  --g1: #4285f4;
  --g2: #9b72cb;
  --g3: #d96570;
}
:root:not([data-theme="light"]) {
  color-scheme: light;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    color-scheme: dark;
    --bg: #131314;
    --glow: rgba(45, 90, 170, 0.6);
    --glow-top: rgba(40, 70, 130, 0.3);
    --surface: #1e1f20;
    --surface-2: #282a2c;
    --text: #e3e3e3;
    --muted: #9aa0a6;
    --faint: #6f7377;
    --line: #3c4043;
    --accent: #a8c7fa;
    --on-accent: #062e6f;
    --accent-soft: #0842a0;
    --accent-text: #d3e3fd;
    --cta-off-bg: #2a2c2e;
    --cta-off-text: #6f7377;
    --shadow: 0 2px 14px rgba(0, 0, 0, 0.4);
    --shadow-lg: 0 10px 34px -12px rgba(0, 0, 0, 0.6);
  }
}
:root[data-theme="dark"] {
  color-scheme: dark;
  --bg: #131314;
  --glow: rgba(45, 90, 170, 0.6);
  --glow-top: rgba(40, 70, 130, 0.3);
  --surface: #1e1f20;
  --surface-2: #282a2c;
  --text: #e3e3e3;
  --muted: #9aa0a6;
  --faint: #6f7377;
  --line: #3c4043;
  --accent: #a8c7fa;
  --on-accent: #062e6f;
  --accent-soft: #0842a0;
  --accent-text: #d3e3fd;
  --cta-off-bg: #2a2c2e;
  --cta-off-text: #6f7377;
  --shadow: 0 2px 14px rgba(0, 0, 0, 0.4);
  --shadow-lg: 0 10px 34px -12px rgba(0, 0, 0, 0.6);
}

* {
  box-sizing: border-box;
  -webkit-tap-highlight-color: transparent;
}
html,
body {
  margin: 0;
  padding: 0;
  height: 100%;
  background: var(--bg);
  color: var(--text);
  font-family: var(--font);
  -webkit-font-smoothing: antialiased;
  overscroll-behavior-y: none;
}
button,
input {
  font-family: inherit;
}
.num {
  font-family: var(--font);
  font-variant-numeric: tabular-nums;
}
.grad-text {
  background: linear-gradient(90deg, var(--g1), var(--g2) 55%, var(--g3));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  -webkit-text-fill-color: transparent;
}
.grad-text-2 {
  background: linear-gradient(135deg, #4c7df6, #6a55ea);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  -webkit-text-fill-color: transparent;
}

/* ambient glow (Gemini-style) */
.glow {
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 0;
  background:
    radial-gradient(ellipse 75% 42% at 55% 100%, var(--glow), transparent 72%),
    radial-gradient(ellipse 70% 30% at 50% 0%, var(--glow-top), transparent 70%);
  animation: breathe 7s ease-in-out infinite;
}
@keyframes breathe {
  0%,
  100% {
    opacity: 0.85;
  }
  50% {
    opacity: 1;
  }
}

.app-frame {
  position: relative;
  z-index: 1;
  max-width: 460px;
  margin: 0 auto;
  height: 100dvh;
  display: flex;
  flex-direction: column;
  overflow: hidden;
  padding-top: env(safe-area-inset-top, 0px);
  padding-bottom: env(safe-area-inset-bottom, 0px);
}

/* ---- top bar ---- */
.topbar {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  padding: 14px 18px 8px;
}
.topbar.chrome-hidden {
  display: none;
}
.back-btn {
  width: 36px;
  height: 36px;
  margin-right: 12px;
  border: none;
  border-radius: 50%;
  background: var(--surface);
  box-shadow: var(--shadow);
  color: var(--text);
  font-size: 22px;
  line-height: 1;
  cursor: pointer;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0 2px 2px 0;
  overflow: hidden;
  opacity: 1;
  transition:
    width 0.35s cubic-bezier(0.3, 0.8, 0.3, 1),
    margin-right 0.35s cubic-bezier(0.3, 0.8, 0.3, 1),
    opacity 0.25s ease,
    box-shadow 0.25s ease;
}
.back-btn.hidden {
  width: 0;
  margin-right: 0;
  padding: 0;
  opacity: 0;
  box-shadow: none;
  pointer-events: none;
}
.progress-track {
  flex: 1;
  height: 4px;
  border-radius: 100px;
  background: var(--line);
  overflow: hidden;
}
.progress-fill {
  height: 100%;
  width: 0%;
  border-radius: 100px;
  background: linear-gradient(135deg, #4c7df6, #6a55ea);
  transition: width 0.4s ease;
}

.content {
  flex: 1;
  overflow-y: auto;
  padding: 10px 22px 28px;
  display: flex;
  flex-direction: column;
}

/* ---- bottom bar ---- */
.bottom-bar {
  flex-shrink: 0;
  padding: 12px 20px 16px;
}
.bottom-bar.chrome-hidden {
  display: none;
}
.cta-btn {
  width: 100%;
  border: none;
  cursor: pointer;
  background: var(--accent);
  color: var(--on-accent);
  font-family: inherit;
  font-size: 16px;
  font-weight: 500;
  height: 56px;
  border-radius: 100px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  box-shadow: 0 10px 24px -12px rgba(11, 87, 208, 0.7);
  transition:
    transform 0.12s,
    background 0.2s;
}
.cta-btn:active {
  transform: scale(0.985);
}
.cta-btn:disabled {
  background: var(--cta-off-bg);
  color: var(--cta-off-text);
  box-shadow: none;
  cursor: default;
}
.cta-btn svg path {
  fill: currentColor;
}

/* 인트로 'AI 진단 시작하기': 히어로 버튼과 같은 흐르는 그라디언트 */
.cta-btn.is-flow:not(:disabled) {
  background: linear-gradient(
    90deg,
    #4c7df6 0%,
    #6a55ea 25%,
    #8b6fef 50%,
    #6a55ea 75%,
    #4c7df6 100%
  );
  background-size: 200% 100%;
  color: #fff;
  font-weight: 600;
  box-shadow: 0 12px 28px -12px rgba(106, 85, 234, 0.75);
  animation: ctaFlow 4s linear infinite;
}
.cta-btn.is-flow svg {
  animation: heartbeat 1.5s ease-in-out infinite;
}
@keyframes ctaFlow {
  from {
    background-position: 0% 50%;
  }
  to {
    background-position: -200% 50%;
  }
}
@media (prefers-reduced-motion: reduce) {
  .cta-btn.is-flow,
  .cta-btn.is-flow svg,
  .prompt-bar,
  .prompt-bar .ph-caret {
    animation: none !important;
  }
}

.step {
  display: none;
  flex-direction: column;
  min-height: 100%;
  animation: stepIn 0.45s cubic-bezier(0.2, 0.7, 0.3, 1);
}
.step.active {
  display: flex;
}
@keyframes stepIn {
  from {
    opacity: 0;
    transform: translateY(14px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* ---- intro ---- */
#step-intro {
  justify-content: center;
  padding-bottom: 30px;
}
.spark {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  transform-origin: center;
  animation: heartbeat 1.5s ease-in-out infinite;
}
@keyframes heartbeat {
  0% {
    transform: scale(1);
    filter: drop-shadow(0 0 0 rgba(76, 125, 246, 0));
  }
  14% {
    transform: scale(1.2);
    filter: drop-shadow(0 0 10px rgba(76, 125, 246, 0.55));
  }
  28% {
    transform: scale(1);
    filter: drop-shadow(0 0 0 rgba(76, 125, 246, 0));
  }
  42% {
    transform: scale(1.13);
    filter: drop-shadow(0 0 8px rgba(106, 85, 234, 0.45));
  }
  70%,
  100% {
    transform: scale(1);
    filter: drop-shadow(0 0 0 rgba(106, 85, 234, 0));
  }
}
.brand-line {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 16px;
  color: var(--muted);
  margin-bottom: 10px;
  letter-spacing: -0.1px;
}
#step-intro h1 {
  font-size: 36px;
  line-height: 1.32;
  font-weight: 600;
  letter-spacing: -1px;
  margin: 0 0 16px;
}
#step-intro .intro-sub {
  font-size: 15px;
  line-height: 1.7;
  color: var(--muted);
  margin: 0 0 30px;
  font-weight: 300;
}
.prompt-bar {
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--surface);
  border-radius: 100px;
  padding: 0 18px;
  height: 62px;
  box-shadow: var(--shadow-lg);
  cursor: pointer;
  color: var(--muted);
  font-size: 15px;
  margin-bottom: 16px;
  /* 히어로와 같은 흐르는 그라디언트 테두리 */
  border: 1.5px solid transparent;
  background:
    linear-gradient(var(--surface), var(--surface)) padding-box,
    linear-gradient(90deg, #4c7df6, #8b6fef, #c9bdff, #6a55ea, #4c7df6)
      border-box;
  background-size:
    100% 100%,
    200% 100%;
  animation: promptBorder 4s linear infinite;
}
@keyframes promptBorder {
  from {
    background-position:
      0 0,
      0% 50%;
  }
  to {
    background-position:
      0 0,
      -200% 50%;
  }
}
.prompt-bar .plus {
  font-size: 26px;
  color: var(--text);
  line-height: 1;
  font-weight: 300;
}
.prompt-bar .ph {
  flex: 1;
  min-width: 0;
  overflow: hidden;
  white-space: nowrap;
  font-weight: 300;
}
.prompt-bar .ph-typed {
  color: var(--text);
  font-weight: 400;
}
.prompt-bar .ph-caret {
  display: inline-block;
  width: 2px;
  height: 1.1em;
  margin-left: 2px;
  vertical-align: -0.2em;
  border-radius: 2px;
  background: linear-gradient(180deg, #4c7df6, #6a55ea);
  animation: caretBlink 1s steps(1) infinite;
}
@keyframes caretBlink {
  50% {
    opacity: 0;
  }
}
.prompt-bar .model {
  font-size: 13px;
  color: var(--text);
  font-weight: 500;
}
.prompt-bar .mic {
  color: var(--text);
  display: flex;
}
.chips {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.chip-s {
  font-size: 13px;
  background: color-mix(in srgb, var(--surface) 70%, transparent);
  border: 1px solid var(--line);
  color: var(--muted);
  padding: 8px 14px;
  border-radius: 100px;
}

/* ---- question steps ---- */
.ask {
  margin: 14px 0 28px;
}
.ask .spark-sm {
  width: 26px;
  height: 26px;
  margin-bottom: 14px;
}
.ask .q-tag {
  font-size: 12.5px;
  color: var(--muted);
  margin-bottom: 8px;
  font-weight: 500;
}
.ask .q-title {
  font-size: 26px;
  font-weight: 300;
  line-height: 1.4;
  letter-spacing: -0.6px;
}
.ask .q-sub {
  font-size: 16px;
  color: var(--muted);
  margin-top: 12px;
  line-height: 1.65;
  font-weight: 300;
}

.pill-input {
  position: relative;
}
.pill-input input {
  width: 100%;
  border: none;
  outline: none;
  background: var(--surface);
  border-radius: 100px;
  padding: 0 84px 0 26px;
  height: 66px;
  font-size: 22px;
  font-weight: 400;
  color: var(--text);
  box-shadow: var(--shadow-lg);
  font-family: var(--font);
  transition: box-shadow 0.2s;
}
.pill-input input:focus {
  box-shadow:
    var(--shadow-lg),
    0 0 0 2px var(--accent-soft);
}
.pill-input input::placeholder {
  color: var(--faint);
  font-weight: 300;
  font-size: 16px;
  font-family: var(--font);
}
.pill-input input:disabled {
  color: var(--faint);
}
.pill-input .unit {
  position: absolute;
  right: 26px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 14px;
  color: var(--muted);
  pointer-events: none;
}
.error-msg {
  display: none;
  font-size: 12.5px;
  color: var(--danger);
  margin: 12px 8px 0;
}

.loan-card {
  background: var(--surface);
  border-radius: 26px;
  padding: 16px;
  margin-bottom: 12px;
  box-shadow: var(--shadow-lg);
}
.loan-card .loan-title {
  font-size: 13px;
  font-weight: 500;
  color: var(--muted);
  margin: 0 4px 10px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.loan-card .remove-loan {
  background: none;
  border: none;
  color: var(--faint);
  font-size: 12.5px;
  cursor: pointer;
  font-family: inherit;
}
.loan-fields {
  display: flex;
  gap: 8px;
}
.mini-input {
  position: relative;
  flex: 1;
}
.mini-input input {
  width: 100%;
  border: none;
  outline: none;
  background: var(--surface-2);
  color: var(--text);
  border-radius: 100px;
  height: 50px;
  padding: 0 46px 0 18px;
  font-size: 16.5px;
  font-family: var(--font);
}
.mini-input input::placeholder {
  color: var(--faint);
  font-size: 14px;
  font-family: var(--font);
  font-weight: 300;
}
.mini-input input:focus {
  box-shadow: 0 0 0 2px var(--accent-soft);
}
.mini-input .unit {
  position: absolute;
  right: 16px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 12.5px;
  color: var(--muted);
  pointer-events: none;
}
.opt-list {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.opt-row {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 17px 16px;
  border-radius: 16px;
  cursor: pointer;
  font-size: 16px;
  font-weight: 500;
  letter-spacing: -0.2px;
  transition: background 0.18s;
  outline: none;
}
.opt-row:focus-visible {
  box-shadow: 0 0 0 2px var(--accent-soft);
}
.opt-mark {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  border: 1.5px solid var(--faint);
  flex-shrink: 0;
  transition:
    background 0.18s,
    border-color 0.18s;
}
.opt-row.selected {
  background: color-mix(in srgb, #4c7df6 10%, var(--surface));
}
.opt-row.selected .opt-mark {
  border-color: transparent;
  background:
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E")
      center / 15px no-repeat,
    linear-gradient(135deg, #4c7df6, #6a55ea);
}
.opt-row {
  justify-content: space-between;
}
.opt-row .opt-main {
  display: flex;
  align-items: center;
  gap: 14px;
  flex: 1;
  min-width: 0;
}
.opt-row .stepper {
  display: none;
  align-items: center;
  gap: 4px;
  margin-left: 10px;
  flex-shrink: 0;
}
.opt-row.countable.selected .stepper {
  display: flex;
  animation: stepperIn 0.25s ease both;
}
@keyframes stepperIn {
  from {
    opacity: 0;
    transform: scale(0.85);
  }
  to {
    opacity: 1;
    transform: none;
  }
}
.step-btn {
  width: 30px;
  height: 30px;
  border-radius: 50%;
  border: none;
  background: var(--surface);
  box-shadow: var(--shadow);
  color: var(--text);
  font-size: 17px;
  line-height: 1;
  font-weight: 600;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0;
  transition: transform 0.1s;
}
.step-btn:active {
  transform: scale(0.9);
}
.step-btn.plus {
  background: linear-gradient(135deg, #4c7df6, #6a55ea);
  color: #fff;
  box-shadow: none;
}
.step-btn.minus:disabled {
  opacity: 0.35;
  cursor: default;
}
.step-count {
  min-width: 22px;
  text-align: center;
  font-size: 15px;
  font-weight: 700;
  font-family: var(--font);
}
.add-loan-btn {
  align-self: flex-start;
  border: none;
  background: var(--accent-soft);
  color: var(--accent-text);
  font-family: inherit;
  font-size: 14px;
  font-weight: 500;
  padding: 12px 20px;
  border-radius: 100px;
  cursor: pointer;
  margin: 4px 0 16px;
}
.add-loan-btn:disabled {
  opacity: 0.4;
  cursor: default;
}
.unknown-toggle {
  margin-top: 16px;
  align-self: flex-start;
  display: inline-flex;
  align-items: center;
  gap: 9px;
  background: color-mix(in srgb, var(--surface) 75%, transparent);
  border: 1px solid var(--line);
  border-radius: 100px;
  padding: 11px 18px 11px 14px;
  font-size: 13.5px;
  color: var(--muted);
  font-family: inherit;
  cursor: pointer;
  transition: all 0.15s;
}
.unknown-toggle .chk {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  border: 1.5px solid var(--faint);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.unknown-toggle.selected {
  background: var(--accent-soft);
  border-color: transparent;
  color: var(--accent-text);
}
.unknown-toggle.selected .chk {
  background: var(--accent);
  border-color: var(--accent);
}

/* ---- loading (AI thinking) ---- */
#step-loading {
  align-items: center;
  justify-content: center;
  text-align: center;
}
.orb-wrap {
  position: relative;
  width: 200px;
  height: 200px;
  margin-bottom: 14px;
  animation: orbBreath 3.6s ease-in-out infinite;
}
@keyframes orbBreath {
  0%,
  100% {
    transform: scale(0.97);
  }
  50% {
    transform: scale(1.03);
  }
}
.blob {
  position: absolute;
  top: 50%;
  left: 50%;
  border-radius: 50%;
  background: linear-gradient(135deg, #4c7df6, #6a55ea);
  filter: blur(20px);
  opacity: 0.9;
  will-change: transform;
}
.blob.core {
  width: 112px;
  height: 112px;
  margin: -56px 0 0 -56px;
  animation: corePulse 1.3s ease-in-out infinite;
}
.blob.b1 {
  width: 88px;
  height: 88px;
  margin: -44px 0 0 -44px;
  animation: orbit1 2.2s linear infinite;
}
.blob.b2 {
  width: 78px;
  height: 78px;
  margin: -39px 0 0 -39px;
  animation: orbit2 6.5s linear infinite reverse;
  animation-delay: -1s;
}
.blob.b3 {
  width: 66px;
  height: 66px;
  margin: -33px 0 0 -33px;
  animation: orbit3 7.5s linear infinite;
  animation-delay: -3s;
}
@keyframes corePulse {
  0%,
  100% {
    transform: scale(0.92);
  }
  50% {
    transform: scale(1.08);
  }
}
@keyframes orbit1 {
  0% {
    transform: rotate(0deg) translateX(24px) rotate(0deg) scale(1);
  }
  50% {
    transform: rotate(180deg) translateX(18px) rotate(-180deg) scale(1.1);
  }
  100% {
    transform: rotate(360deg) translateX(24px) rotate(-360deg) scale(1);
  }
}
@keyframes orbit2 {
  0% {
    transform: rotate(0deg) translateX(20px) rotate(0deg) scale(1.05);
  }
  50% {
    transform: rotate(180deg) translateX(28px) rotate(-180deg) scale(0.92);
  }
  100% {
    transform: rotate(360deg) translateX(20px) rotate(-360deg) scale(1.05);
  }
}
@keyframes orbit3 {
  0% {
    transform: rotate(0deg) translateX(18px) rotate(0deg) scale(1);
  }
  50% {
    transform: rotate(180deg) translateX(14px) rotate(-180deg) scale(1.08);
  }
  100% {
    transform: rotate(360deg) translateX(18px) rotate(-360deg) scale(1);
  }
}
@keyframes spin {
  to {
    transform: rotate(360deg);
  }
}
#step-loading .lt {
  font-size: 22px;
  font-weight: 300;
  margin-bottom: 22px;
  letter-spacing: -0.4px;
}
.think-list {
  width: 100%;
  max-width: 320px;
  text-align: left;
  display: flex;
  flex-direction: column;
  gap: 12px;
  min-height: 150px;
}
.think-item {
  display: flex;
  align-items: center;
  gap: 11px;
  font-size: 13.5px;
  color: var(--muted);
  animation: stepIn 0.4s ease;
}
.think-item .ic {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
}
.think-item.active {
  color: var(--text);
}
.think-item.active .txt {
  background: linear-gradient(
    90deg,
    var(--muted) 0%,
    var(--text) 50%,
    var(--muted) 100%
  );
  background-size: 200% 100%;
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  -webkit-text-fill-color: transparent;
  animation: shimmer 1.4s linear infinite;
}
@keyframes shimmer {
  from {
    background-position: 200% 0;
  }
  to {
    background-position: -200% 0;
  }
}
.mini-spin {
  width: 14px;
  height: 14px;
  border-radius: 50%;
  border: 2px solid var(--line);
  border-top-color: var(--g1);
  animation: spin 0.8s linear infinite;
}
.think-item.done .ic svg {
  display: block;
}

/* ---- results ---- */
.res-head {
  margin: 6px 0 20px;
}
.res-head .spark-sm {
  width: 24px;
  height: 24px;
  margin-bottom: 10px;
}
.res-tag {
  font-size: 12.5px;
  color: var(--muted);
  margin-bottom: 8px;
  font-weight: 500;
}
.res-title {
  font-size: 26px;
  font-weight: 300;
  line-height: 1.4;
  letter-spacing: -0.6px;
}
.notice-card {
  display: none;
  align-items: flex-start;
  gap: 9px;
  background: #fff8e6;
  border: 1px solid #f3d98b;
  border-radius: 16px;
  padding: 13px 15px;
  margin-bottom: 20px;
  font-size: 12.5px;
  line-height: 1.6;
  font-weight: 500;
  color: #8a6116;
}
.notice-card.show {
  display: flex;
}
.notice-card svg {
  flex-shrink: 0;
  margin-top: 1px;
}

.unlock-card {
  background: var(--surface);
  border-radius: 24px;
  padding: 20px 20px 22px;
  margin-bottom: 20px;
  box-shadow: var(--shadow-lg);
}
.uc-loss {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  font-size: 14.5px;
  font-weight: 600;
  line-height: 1.55;
  letter-spacing: -0.2px;
  word-break: keep-all;
}
.uc-loss svg {
  flex-shrink: 0;
  margin-top: 2px;
}
.uc-loss b {
  font-weight: 800;
}
.uc-divider {
  height: 1px;
  background: var(--line);
  margin: 16px 0 14px;
}
.uc-head {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 13px;
  font-weight: 700;
  color: var(--muted);
  margin-bottom: 12px;
}
.uc-list {
  list-style: none;
  margin: 0 0 18px;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.uc-item {
  display: flex;
  align-items: center;
  gap: 11px;
  background: var(--surface-2);
  border-radius: 16px;
  padding: 12px 14px;
}
.uc-lock {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, #4c7df6, #6a55ea);
}
.uc-txt {
  min-width: 0;
}
.uc-title {
  font-size: 13px;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 3px;
}
.uc-blur {
  font-size: 13px;
  font-weight: 500;
  color: var(--muted);
  filter: blur(4px);
  user-select: none;
  -webkit-user-select: none;
}
.uc-cta {
  width: 100%;
  border: 1.5px solid var(--line);
  background: transparent;
  color: var(--accent-text);
  font-family: inherit;
  font-size: 14px;
  font-weight: 600;
  padding: 13px;
  border-radius: 100px;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
}
.uc-cta:active {
  background: var(--surface-2);
}

/* ---- spouse income toggle (inline, same row as the option) ---- */
.opt-row .income-toggle {
  display: none;
  align-items: center;
  gap: 6px;
  margin-left: 10px;
  flex-shrink: 0;
}
.opt-row.selected .income-toggle {
  display: flex;
  animation: stepperIn 0.25s ease both;
}
.it-btn {
  padding: 8px 12px;
  border-radius: 100px;
  border: 1.5px solid var(--line);
  background: var(--surface);
  color: var(--muted);
  font-family: inherit;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: -0.2px;
  white-space: nowrap;
  cursor: pointer;
  transition:
    background 0.15s,
    border-color 0.15s,
    color 0.15s,
    box-shadow 0.15s;
}
.it-btn.active {
  border-color: transparent;
  color: #fff;
  box-shadow: var(--shadow);
  background: linear-gradient(135deg, #4c7df6, #6a55ea);
}
@media (max-width: 380px) {
  .it-btn {
    padding: 7px 9px;
    font-size: 11px;
  }
}

/* ---- verify (소명 필요) card ---- */
.verify-card {
  display: none;
  background: var(--surface);
  border-radius: 24px;
  padding: 20px 20px 22px;
  margin-bottom: 20px;
  box-shadow: var(--shadow-lg);
}
.verify-card.show {
  display: block;
}
.vc-head {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  font-size: 14.5px;
  font-weight: 700;
  line-height: 1.5;
  letter-spacing: -0.2px;
  word-break: keep-all;
  margin-bottom: 14px;
}
.vc-head svg {
  flex-shrink: 0;
  margin-top: 2px;
}
.vc-list {
  list-style: none;
  margin: 0 0 16px;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.vc-item {
  display: flex;
  align-items: flex-start;
  gap: 11px;
  background: var(--surface-2);
  border-radius: 16px;
  padding: 12px 14px;
}
.vc-tag {
  flex-shrink: 0;
  font-size: 11.5px;
  font-weight: 700;
  color: #8a6116;
  background: #fff3cf;
  border-radius: 8px;
  padding: 3px 7px;
  margin-top: 1px;
  white-space: nowrap;
}
.vc-txt {
  min-width: 0;
}
.vc-title {
  font-size: 13px;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 3px;
}
.vc-desc {
  font-size: 12.5px;
  font-weight: 500;
  color: var(--muted);
  line-height: 1.5;
}
.vc-note {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  background: color-mix(in srgb, #4c7df6 8%, var(--surface));
  border-radius: 16px;
  padding: 13px 14px;
  margin-bottom: 14px;
  font-size: 13px;
  font-weight: 500;
  line-height: 1.55;
  color: var(--text);
}
.vc-note svg {
  flex-shrink: 0;
  margin-top: 2px;
}
.vc-note b {
  font-weight: 800;
}
.vc-cta {
  width: 100%;
  border: none;
  background: linear-gradient(135deg, #4c7df6, #6a55ea);
  color: #fff;
  font-family: inherit;
  font-size: 14px;
  font-weight: 600;
  padding: 13px;
  border-radius: 100px;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
}
.sum-item .v .sub.sub-accent {
  color: var(--accent-text);
  font-weight: 600;
}
.res-top {
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 6px 0 26px;
}
.res-top.solo {
  justify-content: center;
}
.res-top.solo .donut-box {
  display: none;
}
.res-top.solo.split .sum-panel {
  flex: 0 1 auto;
  width: 100%;
  max-width: 340px;
  margin-left: 0;
}
.res-top.solo .sum-inner {
  min-width: 0;
}

.status-card {
  display: none;
  background: var(--surface);
  border-radius: 24px;
  padding: 30px 24px;
  text-align: center;
  box-shadow: var(--shadow-lg);
  margin-bottom: 18px;
}
.status-card.show {
  display: block;
  animation: stepIn 0.5s cubic-bezier(0.2, 0.7, 0.3, 1);
}
.status-icon {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, #4c7df6, #6a55ea);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
}
.status-title {
  font-size: 17px;
  font-weight: 700;
  line-height: 1.6;
  letter-spacing: -0.3px;
  margin-bottom: 12px;
}
.status-desc {
  font-size: 13.5px;
  line-height: 1.75;
  color: var(--muted);
  font-weight: 400;
  margin-bottom: 20px;
}
.status-cta {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 13.5px;
  font-weight: 700;
  color: var(--accent-text);
  background: var(--accent-soft);
  padding: 11px 20px;
  border-radius: 100px;
  text-decoration: none;
}
.status-cta.hidden {
  display: none;
}
.workout-card {
  display: none;
  background: var(--surface);
  border-radius: 22px;
  padding: 22px;
  margin-bottom: 18px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--line);
}
.workout-card.show {
  display: block;
  animation: stepIn 0.5s cubic-bezier(0.2, 0.7, 0.3, 1);
}
.wo-icon {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: linear-gradient(135deg, #4c7df6, #6a55ea);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
}
.wo-title {
  font-size: 16px;
  font-weight: 700;
  letter-spacing: -0.3px;
  margin-bottom: 10px;
}
.wo-desc {
  font-size: 13.5px;
  line-height: 1.75;
  color: var(--muted);
  font-weight: 400;
  margin-bottom: 18px;
}
.wo-desc .wo-danger {
  color: #e4574c;
  font-weight: 700;
  font-size: 14.5px;
}
.wo-desc b {
  font-weight: 700;
  font-size: 14.5px;
}
.wo-cta {
  width: 100%;
  border: none;
  cursor: pointer;
  background: linear-gradient(135deg, #4c7df6, #6a55ea);
  color: #fff;
  font-family: inherit;
  font-size: 14px;
  font-weight: 700;
  padding: 14px;
  border-radius: 100px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
}
.wo-cta:active {
  transform: scale(0.99);
}
.donut-box {
  position: relative;
  flex: 0 0 auto;
  width: 210px;
  transition: width 0.76s cubic-bezier(0.3, 0.8, 0.3, 1);
}
.res-top.split .donut-box {
  width: 132px;
}
.donut-box::before {
  content: "";
  position: absolute;
  inset: -10%;
  border-radius: 50%;
  background: radial-gradient(circle, var(--glow), transparent 70%);
  opacity: 0.6;
  z-index: 0;
}
.donut-box svg {
  position: relative;
  z-index: 1;
  display: block;
  width: 100%;
  height: auto;
}
.donut-center {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  text-align: center;
  z-index: 2;
  white-space: nowrap;
}
.donut-center .pct {
  font-size: 42px;
  font-weight: 500;
  line-height: 1;
  transition: font-size 0.76s cubic-bezier(0.3, 0.8, 0.3, 1);
}
.donut-center .lab {
  font-size: 12px;
  color: var(--muted);
  margin-top: 6px;
  transition: font-size 0.76s ease;
}
.res-top.split .donut-center .pct {
  font-size: 26px;
}
.res-top.split .donut-center .lab {
  font-size: 10.5px;
  margin-top: 4px;
}

.sum-panel {
  flex: 0 1 0px;
  flex-grow: 0;
  min-width: 0;
  overflow: hidden;
  opacity: 0;
  transform: translateX(28px);
  transition:
    flex-grow 0.76s cubic-bezier(0.3, 0.8, 0.3, 1),
    margin-left 0.76s cubic-bezier(0.3, 0.8, 0.3, 1),
    opacity 0.56s ease 0.2s,
    transform 0.76s cubic-bezier(0.3, 0.8, 0.3, 1);
}
.res-top.split .sum-panel {
  flex-grow: 1;
  margin-left: 16px;
  opacity: 1;
  transform: none;
}
.sum-inner {
  min-width: 200px;
  display: flex;
  flex-direction: column;
  gap: 11px;
}
.sum-title {
  font-size: 12px;
  font-weight: 600;
  color: var(--muted);
  display: flex;
  align-items: center;
  gap: 6px;
}
.sum-item {
  opacity: 0;
  transform: translateX(14px);
}
.res-top.split .sum-item {
  animation: sumIn 0.44s ease both;
}
.res-top.split .sum-item:nth-of-type(2) {
  animation-delay: 0.28s;
}
.res-top.split .sum-item:nth-of-type(3) {
  animation-delay: 0.4s;
}
.res-top.split .sum-item:nth-of-type(4) {
  animation-delay: 0.52s;
}
.res-top.split .sum-item:nth-of-type(5) {
  animation-delay: 0.64s;
}
@keyframes sumIn {
  from {
    opacity: 0;
    transform: translateX(14px);
  }
  to {
    opacity: 1;
    transform: none;
  }
}
.sum-item .k {
  font-size: 11.5px;
  color: var(--muted);
  margin-bottom: 2px;
}
.sum-item .v {
  font-size: 14.5px;
  font-weight: 600;
  letter-spacing: -0.3px;
  line-height: 1.45;
  word-break: keep-all;
}
.sum-item .v .ln {
  font-size: 13px;
  font-weight: 500;
}
.sum-item .v .ln em {
  font-style: normal;
  color: var(--muted);
  font-weight: 400;
}
.sum-item .v .sub {
  font-size: 12.5px;
  font-weight: 500;
  color: var(--muted);
}
@media (max-width: 400px) {
  .res-top.split .donut-box {
    width: 108px;
  }
  .sum-inner {
    min-width: 0;
  }
}
@media (prefers-reduced-motion: reduce) {
  .sum-item {
    opacity: 1;
    transform: none;
    animation: none !important;
  }
}

.compare-flow {
  position: relative;
  margin-bottom: 40px;
}
.cf-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  align-items: stretch;
}
.cf-card {
  position: relative;
  border-radius: 24px;
  padding: 18px 16px 42px;
  background: var(--surface);
  box-shadow: var(--shadow);
  opacity: 0;
}
.cf-card.before {
  background: color-mix(in srgb, var(--surface) 60%, transparent);
  box-shadow: none;
  border: 1px solid var(--line);
}
.cf-card.after {
  border: 2px solid transparent;
  background:
    linear-gradient(var(--surface), var(--surface)) padding-box,
    linear-gradient(135deg, #4c7df6, #6a55ea) border-box;
  box-shadow: var(--shadow-lg);
}
.cf-card .cc-badge {
  position: absolute;
  top: -11px;
  right: 12px;
  background: linear-gradient(135deg, #4c7df6, #6a55ea);
  color: #fff;
  font-size: 11px;
  font-weight: 500;
  padding: 4px 10px;
  border-radius: 100px;
  display: flex;
  align-items: center;
  gap: 4px;
}
.cf-tag {
  display: inline-block;
  font-size: 13px;
  font-weight: 700;
  padding: 5px 11px;
  border-radius: 100px;
  margin-bottom: 14px;
  background: var(--surface-2);
  color: var(--muted);
}
.cf-card.after .cf-tag {
  background: linear-gradient(135deg, #4c7df6, #6a55ea);
  color: #fff;
}
.cf-total-label {
  font-size: 11.5px;
  color: var(--muted);
  margin-bottom: 4px;
}
.cf-amount {
  font-size: 22px;
  font-weight: 600;
  line-height: 1.25;
  letter-spacing: -0.5px;
  margin-bottom: 16px;
  word-break: keep-all;
}
.cf-card.before .cf-amount {
  color: var(--muted);
}
.cf-card.after .cf-amount {
  font-size: 25px;
}
.cf-rows {
  list-style: none;
  margin: 0;
  padding: 15px 0 0;
  border-top: 1px dashed var(--line);
  display: flex;
  flex-direction: column;
  gap: 13px;
}
.cf-row {
  display: flex;
  gap: 8px;
  align-items: flex-start;
  font-size: 13px;
  line-height: 1.5;
  font-weight: 500;
  letter-spacing: -0.3px;
  word-break: keep-all;
  opacity: 0;
}
.cf-row b {
  font-weight: 700;
  font-size: 14.5px;
}
.cf-card.after .cf-row b {
  color: var(--accent);
}
.cf-row small {
  display: block;
  font-size: 11.5px;
  font-weight: 400;
  color: var(--muted);
  margin-top: 1px;
}
.cf-row .ic {
  width: 17px;
  height: 17px;
  flex-shrink: 0;
  margin-top: 1px;
  border-radius: 50%;
}
.cf-card.before .cf-row .ic {
  background:
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%239aa0a6' stroke-width='3' stroke-linecap='round'%3E%3Cpath d='M7 7l10 10M17 7L7 17'/%3E%3C/svg%3E")
      center / 10px no-repeat,
    var(--surface-2);
}
.cf-card.after .cf-row .ic {
  background:
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E")
      center / 11px no-repeat,
    linear-gradient(135deg, #4c7df6, #6a55ea);
}
.cf-arrow {
  position: absolute;
  left: 50%;
  top: 92px;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: linear-gradient(135deg, #4c7df6, #6a55ea);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 3;
  box-shadow: 0 6px 16px -6px rgba(76, 125, 246, 0.75);
  transform: translate(-50%, -50%) scale(0.4);
  opacity: 0;
}
.compare-arrow {
  position: relative;
  height: 0;
  display: flex;
  justify-content: center;
  z-index: 4;
}
.compare-arrow .chip {
  position: absolute;
  top: -23px;
  background: var(--accent-soft);
  color: var(--accent-text);
  font-size: 18px;
  font-weight: 700;
  letter-spacing: -0.3px;
  padding: 11px 22px;
  border-radius: 100px;
  display: flex;
  align-items: center;
  gap: 8px;
  box-shadow: var(--shadow-lg);
  white-space: nowrap;
  opacity: 0;
}

/* left -> right sequence (plays when .play is added) */
@keyframes cfWipe {
  from {
    opacity: 0;
    clip-path: inset(-60px 100% -60px -60px);
    transform: translateX(-18px);
  }
  to {
    opacity: 1;
    clip-path: inset(-60px -60px -60px -60px);
    transform: none;
  }
}
@keyframes cfRow {
  from {
    opacity: 0;
    transform: translateX(-12px);
  }
  to {
    opacity: 1;
    transform: none;
  }
}
@keyframes cfPop {
  0% {
    opacity: 0;
    transform: translate(-50%, -50%) scale(0.4);
  }
  100% {
    opacity: 1;
    transform: translate(-50%, -50%) scale(1);
  }
}
@keyframes cfChip {
  from {
    opacity: 0;
    transform: translateY(-8px) scale(0.8);
  }
  to {
    opacity: 1;
    transform: none;
  }
}
.compare-flow.play .cf-card.before {
  animation: cfWipe 0.6s cubic-bezier(0.2, 0.7, 0.3, 1) 0.04s both;
}
.compare-flow.play .cf-card.before .cf-row {
  animation: cfRow 0.4s ease both;
}
.compare-flow.play .cf-card.before .cf-row:nth-child(1) {
  animation-delay: 0.32s;
}
.compare-flow.play .cf-card.before .cf-row:nth-child(2) {
  animation-delay: 0.44s;
}
.compare-flow.play .cf-card.before .cf-row:nth-child(3) {
  animation-delay: 0.56s;
}
.compare-flow.play .cf-arrow {
  animation: cfPop 0.4s cubic-bezier(0.2, 1.4, 0.4, 1) 0.76s both;
}
.compare-flow.play .cf-card.after {
  animation: cfWipe 0.68s cubic-bezier(0.2, 0.7, 0.3, 1) 0.88s both;
}
.compare-flow.play .cf-card.after .cf-row {
  animation: cfRow 0.4s ease both;
}
.compare-flow.play .cf-card.after .cf-row:nth-child(1) {
  animation-delay: 1.24s;
}
.compare-flow.play .cf-card.after .cf-row:nth-child(2) {
  animation-delay: 1.36s;
}
.compare-flow.play .cf-card.after .cf-row:nth-child(3) {
  animation-delay: 1.48s;
}
.compare-flow.play .compare-arrow .chip {
  animation: cfChip 0.48s cubic-bezier(0.2, 1.2, 0.4, 1) 1.76s both;
}
@media (prefers-reduced-motion: reduce) {
  .compare-flow .cf-card,
  .compare-flow .cf-row,
  .compare-flow .compare-arrow .chip {
    opacity: 1 !important;
    transform: none !important;
    animation: none !important;
  }
  .compare-flow .cf-arrow {
    opacity: 1 !important;
    transform: translate(-50%, -50%) !important;
    animation: none !important;
  }
}

.disclaimer-mini {
  display: flex;
  gap: 8px;
  font-size: 11px;
  line-height: 1.7;
  color: var(--faint);
  padding: 4px 6px 20px;
}
.disclaimer-mini svg {
  flex-shrink: 0;
  margin-top: 2px;
}

/* ---- emotional story block (scroll-driven word reveal) ---- */
.story {
  margin: 34px 0 44px;
  padding: 0 4px;
}
.story .st-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--muted);
  margin-bottom: 22px;
}
.story p {
  margin: 0 0 26px;
  font-size: 17px;
  line-height: 1.9;
  font-weight: 500;
  letter-spacing: -0.3px;
  color: var(--text);
  word-break: keep-all;
}
.story p.final {
  font-size: 22px;
  line-height: 1.65;
  font-weight: 600;
  margin-bottom: 0;
}
.story strong {
  font-weight: 700;
}
.story .w {
  opacity: 0.18;
  transition: opacity 0.5s ease;
}
.story .w.on {
  opacity: 1;
}
.story strong .w {
  background: linear-gradient(135deg, #4c7df6, #6a55ea);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  -webkit-text-fill-color: transparent;
}
.reveal {
  opacity: 0;
  transform: translateY(32px);
  transition:
    opacity 0.9s ease,
    transform 0.9s cubic-bezier(0.2, 0.7, 0.3, 1);
}
.reveal.in {
  opacity: 1;
  transform: none;
}
@media (prefers-reduced-motion: reduce) {
  .story .w {
    opacity: 1;
    transition: none;
  }
  .reveal {
    opacity: 1;
    transform: none;
    transition: none;
  }
}
.ld-list {
  list-style: none;
  margin: 0 0 20px;
  padding: 16px 16px;
  border-radius: 20px;
  background: var(--surface-2);
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.ld-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14px;
  line-height: 1.5;
  font-weight: 500;
  color: var(--text);
  letter-spacing: -0.2px;
}
.ld-list .ck {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  margin-top: 1px;
  border-radius: 50%;
  background:
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E")
      center / 12px no-repeat,
    var(--faint);
  opacity: 0.32;
  transform: scale(0.9);
  transition:
    opacity 0.35s ease,
    transform 0.35s cubic-bezier(0.2, 1.4, 0.4, 1),
    background 0.35s ease;
}
.ld-list .ck.on {
  background:
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E")
      center / 12px no-repeat,
    linear-gradient(135deg, #4c7df6, #6a55ea);
  opacity: 1;
  transform: scale(1);
}
.ld-list li {
  color: var(--muted);
  transition: color 0.35s ease;
}
.ld-list li.on {
  color: var(--text);
}
.lead-box {
  background: var(--surface);
  border-radius: 28px;
  padding: 24px 20px 20px;
  box-shadow: var(--shadow-lg);
}
.lead-box .lt {
  font-size: 18px;
  font-weight: 500;
  margin-bottom: 6px;
  letter-spacing: -0.3px;
}
.lead-box .ld {
  font-size: 13px;
  color: var(--muted);
  margin-bottom: 14px;
  line-height: 1.65;
  font-weight: 300;
}
.lead-box input[type="text"],
.lead-box input[type="tel"],
.lead-box select {
  width: 100%;
  border: none;
  outline: none;
  background-color: var(--surface-2);
  color: var(--text);
  border-radius: 100px;
  height: 52px;
  padding: 0 22px;
  font-size: 15px;
  font-family: inherit;
  margin-bottom: 10px;
}
.lead-box input::placeholder {
  color: var(--faint);
}
.lead-box input[type="text"]:focus,
.lead-box input[type="tel"]:focus,
.lead-box select:focus {
  box-shadow: 0 0 0 2px var(--accent-soft);
}
.lead-box select {
  appearance: none;
  -webkit-appearance: none;
  padding-right: 46px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%239aa0a6' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 20px center;
  background-size: 14px;
  cursor: pointer;
}
.lead-box select:invalid {
  color: var(--faint);
}
.lead-box select option {
  background: var(--surface);
  color: var(--text);
}
.lead-error {
  display: none;
  font-size: 12.5px;
  color: var(--danger);
  margin: -4px 8px 10px;
}
.agree {
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 8px 4px 16px;
  font-size: 13px;
  color: var(--muted);
  cursor: pointer;
  line-height: 1.5;
  user-select: none;
}
.agree input {
  appearance: none;
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 7px;
  border: 1.5px solid var(--faint);
  background: transparent;
  margin: 0;
  flex-shrink: 0;
  cursor: pointer;
  transition:
    background 0.15s,
    border-color 0.15s;
}
.agree input:checked {
  border-color: transparent;
  background:
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E")
      center / 14px no-repeat,
    linear-gradient(135deg, #4c7df6, #6a55ea);
}
.agree input:focus-visible {
  outline: none;
  box-shadow: 0 0 0 3px var(--accent-soft);
}
.agree.on {
  color: var(--text);
}
.lead-submit {
  width: 100%;
  border: none;
  cursor: pointer;
  background: linear-gradient(135deg, #4c7df6, #6a55ea);
  color: #fff;
  font-family: inherit;
  font-size: 15.5px;
  font-weight: 500;
  height: 54px;
  border-radius: 100px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  box-shadow: 0 10px 24px -12px rgba(76, 125, 246, 0.75);
  transition:
    transform 0.12s,
    background 0.2s;
}
.lead-submit:active:not(:disabled) {
  transform: scale(0.985);
}
.lead-submit:disabled {
  background: var(--cta-off-bg);
  color: var(--cta-off-text);
  box-shadow: none;
  cursor: default;
}
.lead-submit svg path {
  fill: currentColor;
}
.lead-success {
  display: none;
  text-align: center;
  padding: 10px 4px 4px;
}
.lead-success .ok-icon {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--accent-soft);
  color: var(--accent-text);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 12px;
}
.lead-success .t {
  font-size: 15.5px;
  font-weight: 500;
  margin-bottom: 4px;
}
.lead-success .d {
  font-size: 12.5px;
  color: var(--muted);
  line-height: 1.6;
}
footer {
  text-align: center;
  font-size: 11px;
  color: var(--faint);
  padding: 18px 0 4px;
}

/* ---- 소득 형태: 기존 .opt-row 그대로 + 아래 설명 한 줄 ---- */
.type-row .opt-main {
  align-items: flex-start;
}
.opt-body {
  display: flex;
  flex-direction: column;
  gap: 4px;
  min-width: 0;
  padding-top: 3px;
}
.opt-desc {
  font-size: 13px;
  font-weight: 400;
  line-height: 1.55;
  letter-spacing: -0.2px;
  color: var(--muted);
  word-break: keep-all;
}

/* ---- 부양가족 조정 안내 카드 (결과 D 케이스) ---- */
.adj-card {
  display: none;
  border: 2px solid transparent;
  background:
    linear-gradient(var(--surface), var(--surface)) padding-box,
    linear-gradient(135deg, #4c7df6, #6a55ea) border-box;
  border-radius: 24px;
  padding: 18px 20px 20px;
  margin-bottom: 22px;
  box-shadow: var(--shadow-lg);
}
.adj-card.show {
  display: block;
  animation: stepIn 0.5s cubic-bezier(0.2, 0.7, 0.3, 1);
}
.adj-head {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 13px;
  font-weight: 700;
  color: var(--muted);
  margin-bottom: 10px;
}
.adj-title {
  font-size: 19px;
  font-weight: 700;
  line-height: 1.5;
  letter-spacing: -0.4px;
  word-break: keep-all;
  margin-bottom: 10px;
}
.adj-title b {
  font-weight: 800;
}
.adj-desc {
  font-size: 13.5px;
  line-height: 1.7;
  color: var(--muted);
  word-break: keep-all;
  margin-bottom: 12px;
}
.adj-desc b {
  color: var(--text);
  font-weight: 700;
}
.adj-note {
  font-size: 12px;
  line-height: 1.6;
  color: var(--faint);
  padding-top: 10px;
  border-top: 1px dashed var(--line);
  word-break: keep-all;
}