/* 회생톡 — 모던 메신저 UI (톡처럼 쉬운 회생상담) */
:root{
  --yellow:#FFE14D;
  --yellow-dk:#FFD000;
  --ink:#1A1A1A;
  --sub:#8A929E;
  --line:#E7EAEF;
  --bg:#EDF0F5;
  --surface:#FFFFFF;
  --bubble-you:#FFFFFF;
  --bubble-me:#FFE14D;
  --accent:#3B6EF6;
  --danger:#E0413A;
  --radius:20px;
  --shadow:0 6px 22px rgba(26,26,26,.07);
  --shadow-lg:0 18px 44px rgba(26,26,26,.14);
  --maxw:560px;
  --ease:cubic-bezier(.16,1,.3,1);
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Pretendard',system-ui,-apple-system,'Segoe UI',sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased;word-break:keep-all}
a{color:inherit;text-decoration:none}
.wrap{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 18px}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:7px;font-weight:800;font-size:16px;border:none;cursor:pointer;border-radius:999px;padding:15px 26px;font-family:inherit;transition:transform .15s var(--ease),box-shadow .15s,background .15s}
.btn:active{transform:translateY(1px) scale(.99)}
.btn-primary{background:var(--ink);color:#fff;box-shadow:0 8px 20px rgba(26,26,26,.22)}
.btn-primary:hover{background:#000}
.btn-accent{background:var(--yellow);color:#1A1A1A;box-shadow:0 8px 20px rgba(255,208,0,.4)}
.btn-accent:hover{background:var(--yellow-dk)}
.btn-ghost{background:#fff;color:var(--ink);border:1.5px solid var(--line)}
.btn-ghost:hover{border-color:var(--ink)}
.btn-lg{font-size:17px;padding:17px 30px}
.btn:disabled{opacity:.5;cursor:not-allowed;box-shadow:none}
.full{width:100%}

.nav{position:sticky;top:0;z-index:50;background:var(--yellow);border-bottom:1px solid var(--yellow-dk)}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:56px}
.brand{font-weight:900;font-size:18px;display:flex;align-items:center;gap:8px;letter-spacing:-.02em;color:#1A1A1A}
.brand-mark{font-size:20px}
.nav-cta{background:#1A1A1A;color:#fff;font-weight:800;font-size:14px;padding:9px 18px;border-radius:999px}
.nav-cta.ghost{background:rgba(0,0,0,.06);color:#1A1A1A;border:none}

.hero{background:linear-gradient(180deg,var(--yellow),#FFF0A8 70%,var(--bg));padding:36px 0 30px}
.hero h1{font-size:clamp(26px,7vw,36px);font-weight:900;line-height:1.25;letter-spacing:-.03em;text-align:center}
.hero h1 b{background:#1A1A1A;color:var(--yellow);padding:0 8px;border-radius:8px}
.hero-sub{margin:12px 0 0;color:#5A5F68;font-size:15px;text-align:center}
.chat{margin:24px auto 0;max-width:420px;display:flex;flex-direction:column;gap:12px}
.msg{display:flex;gap:8px;align-items:flex-end}
.msg .av{flex:none;width:34px;height:34px;border-radius:50%;background:#1A1A1A;color:var(--yellow);display:grid;place-items:center;font-size:15px;font-weight:800}
.bubble{max-width:78%;padding:13px 16px;border-radius:18px;font-size:15px;line-height:1.5;box-shadow:var(--shadow)}
.msg.you .bubble{background:var(--bubble-you);border-bottom-left-radius:5px}
.msg.me{flex-direction:row-reverse}
.msg.me .bubble{background:var(--bubble-me);border-bottom-right-radius:5px;font-weight:600}
.msg.me .av{background:var(--yellow);color:#1A1A1A;border:2px solid #1A1A1A}
.hero-cta{margin:22px auto 0;text-align:center}

.section{padding:40px 0}
.section-tint{background:var(--surface)}
.sec-title{font-size:clamp(22px,6vw,28px);font-weight:900;line-height:1.3;text-align:center;letter-spacing:-.02em;margin-bottom:8px}
.sec-sub{text-align:center;color:var(--sub);margin-bottom:26px;font-size:15px}

.ask-chips{display:flex;flex-direction:column;gap:10px;max-width:460px;margin:0 auto}
.ask-chip{display:flex;align-items:center;gap:10px;background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:16px 18px;box-shadow:var(--shadow);font-weight:600;font-size:15px;transition:transform .15s var(--ease),box-shadow .15s}
.ask-chip:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg)}
.ask-chip::before{content:'💬';font-size:18px;flex:none}
.ask-chip b{color:var(--accent);margin-left:auto;font-size:13px;white-space:nowrap}

.cards{display:grid;gap:12px}
.card{background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:20px;box-shadow:var(--shadow)}
.card .ci{font-size:26px;margin-bottom:8px;display:block}
.card h3{font-size:17px;font-weight:800;margin-bottom:5px}
.card p{color:var(--sub);font-size:14px}

.inline-cta{background:#1A1A1A;padding:24px 0}
.inline-cta .wrap{display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap}
.inline-cta p{color:#fff;font-weight:800;font-size:17px}
.inline-cta .y{color:var(--yellow)}

.cta-band{background:var(--yellow);text-align:center;padding:46px 0}
.cta-band h2{color:#1A1A1A;font-size:clamp(23px,6vw,30px);font-weight:900;line-height:1.3;margin-bottom:18px}

.float-cta{position:fixed;right:16px;bottom:16px;z-index:60;background:var(--yellow);color:#1A1A1A;font-weight:800;font-size:15px;padding:14px 20px;border-radius:999px;box-shadow:0 10px 26px rgba(255,208,0,.5);display:none}
.mbar{position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(0,0,0,.08);padding:10px 16px;display:flex;align-items:center;justify-content:space-between;gap:12px}
.mbar span{font-weight:800;font-size:14px}
.mbar .btn{padding:12px 18px;font-size:15px}

.faq{display:flex;flex-direction:column;gap:10px;max-width:520px;margin:0 auto}
.faq-item{background:var(--surface);border:1px solid var(--line);border-radius:16px;overflow:hidden}
.faq-q{width:100%;text-align:left;background:none;border:none;cursor:pointer;font-family:inherit;font-size:15px;font-weight:800;color:var(--ink);padding:17px 18px;display:flex;justify-content:space-between;align-items:center;gap:12px}
.faq-q span{flex:none;color:var(--yellow-dk);font-size:22px}
.faq-a{max-height:0;overflow:hidden;color:var(--sub);font-size:14px;padding:0 18px;transition:max-height .3s var(--ease),padding .3s var(--ease)}
.faq-item.open .faq-a{max-height:320px;padding:0 18px 17px}

.foot{background:#1A1A1A;color:#9AA0AB;padding:34px 0 56px;text-align:center}
.foot-brand{color:var(--yellow);font-weight:900;font-size:17px;margin-bottom:10px}
.foot-info{font-size:12.5px;line-height:1.7;margin-bottom:12px}
.foot small{font-size:11.5px;color:#6B7178}

.page-head{background:var(--yellow);padding:34px 0 26px;text-align:center}
.page-head h1{font-size:clamp(24px,7vw,32px);font-weight:900;color:#1A1A1A}
.page-head p{color:#5A5F68;margin-top:8px;font-size:14px}
.cat-bar{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin-top:18px}
.cat-chip{font-size:13px;font-weight:800;color:#5A5F68;background:#fff;border:1.5px solid var(--line);border-radius:999px;padding:8px 15px;cursor:pointer;transition:all .15s}
.cat-chip:hover,.cat-chip.on{color:#1A1A1A;background:var(--yellow);border-color:var(--yellow-dk)}
.qna-list{max-width:560px;margin:26px auto;padding:0 18px;display:flex;flex-direction:column;gap:11px}
.qna-item{display:block;background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:20px;box-shadow:var(--shadow);transition:transform .15s var(--ease),box-shadow .15s}
.qna-item:not(.coming):hover{transform:translateY(-2px);box-shadow:var(--shadow-lg)}
.qna-item .qi-cat{display:inline-block;font-size:12px;font-weight:800;color:#1A1A1A;background:var(--yellow);padding:5px 11px;border-radius:999px;margin-bottom:10px}
.qna-item .qi-q{font-size:16px;font-weight:800;line-height:1.45}
.qna-item .qi-q b{color:var(--yellow-dk);margin-right:6px}
.qna-item .qi-ex{color:var(--sub);font-size:14px;margin-top:7px;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
.qna-item .qi-more{display:inline-block;margin-top:12px;color:var(--accent);font-size:14px;font-weight:800}
.qi-badge{float:right;font-size:11px;font-weight:700;color:#9AA0AB;background:#F0F2F5;padding:4px 10px;border-radius:999px}
.qna-item.coming{opacity:.6;background:#F7F8FA}
.pager{display:flex;flex-wrap:wrap;gap:6px;justify-content:center;align-items:center;margin:26px auto 52px;padding:0 18px;max-width:560px}
.pg{min-width:40px;height:40px;display:inline-flex;align-items:center;justify-content:center;padding:0 12px;border-radius:12px;border:1.5px solid var(--line);background:#fff;color:var(--sub);font-weight:800;font-size:14px}
.pg:hover{border-color:var(--yellow-dk)}
.pg.on{background:var(--yellow);border-color:var(--yellow-dk);color:#1A1A1A}
.breadcrumb{max-width:560px;margin:16px auto 0;padding:0 18px;font-size:13px;color:var(--sub)}
.breadcrumb a:hover{color:var(--ink)}
.breadcrumb span{color:#C4CAD2;margin:0 6px}
.qna-detail{max-width:560px;margin:16px auto 0;padding:0 18px 56px}
.qd-cat{display:inline-block;font-size:12px;font-weight:800;color:#1A1A1A;background:var(--yellow);padding:6px 13px;border-radius:999px;margin-bottom:13px}
.qd-q{font-size:clamp(21px,6vw,27px);font-weight:900;line-height:1.4}
.qd-meta{color:var(--sub);font-size:13px;margin-top:11px;padding-bottom:18px;border-bottom:1px solid var(--line)}
.qd-answer{font-size:16px;line-height:1.85;color:#33373E;margin-top:22px}
.qd-answer h2{font-size:18px;font-weight:800;margin:26px 0 10px}
.qd-answer p{margin:14px 0}
.qd-answer strong{color:var(--ink)}
.qd-note{background:#FFFBE6;border:1px solid var(--yellow-dk);border-radius:14px;padding:16px 18px;font-size:13.5px;color:#7A5C00;margin-top:22px;line-height:1.6}
.qd-cta{background:#1A1A1A;border-radius:20px;padding:26px 22px;text-align:center;margin-top:30px}
.qd-cta h3{color:#fff;font-size:19px;font-weight:900;margin-bottom:6px}
.qd-cta p{color:#B9BEC6;font-size:14px;margin-bottom:16px}
.qd-cta .btn-primary{background:var(--yellow);color:#1A1A1A}
.qd-related{margin-top:34px}
.qd-related h2{font-size:17px;font-weight:900;margin-bottom:13px}
.post-nav{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:26px 0 8px}
.post-nav .pn{display:flex;flex-direction:column;gap:4px;background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:14px 16px}
.post-nav .pn:hover{border-color:var(--yellow-dk)}
.post-nav .pn.next{text-align:right}
.post-nav .pn span{font-size:12px;font-weight:800;color:var(--yellow-dk)}
.post-nav .pn b{font-size:14px;font-weight:700;display:-webkit-box;-webkit-line-clamp:1;-webkit-box-orient:vertical;overflow:hidden}
.post-nav .pn.off{background:transparent;border:none}

.diag-body{background:var(--bg)}
.diag-wrap{max-width:560px;margin:0 auto;padding:24px 16px 80px}
.diag-card{background:#fff;border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow-lg);padding:28px 22px;min-height:60vh;display:flex;flex-direction:column}
.hidden{display:none!important}
.steps{display:flex;gap:8px;justify-content:center;margin-bottom:26px}
.dot{display:grid;place-items:center;width:28px;height:28px;border-radius:50%;background:#E2E6EC;color:#A2A9B4;font-size:13px;font-weight:800;transition:all .25s var(--ease)}
.dot.on{background:var(--yellow);color:#1A1A1A;box-shadow:0 4px 10px rgba(255,208,0,.5)}
.diag-loading{text-align:center;color:var(--sub);padding:40px 0}
.q-title{font-size:22px;font-weight:900;line-height:1.35;margin-bottom:8px}
.q-title.accent{color:var(--yellow-dk)}
.q-sub{color:var(--sub);font-size:14px;margin-bottom:20px}
.opts{display:flex;flex-direction:column;gap:10px;margin-top:18px;flex:1}
.opt{display:flex;align-items:center;gap:12px;width:100%;text-align:left;font-family:inherit;font-size:16px;font-weight:600;color:var(--ink);background:#F7F8FA;border:2px solid var(--line);border-radius:14px;padding:16px 18px;cursor:pointer;transition:all .15s var(--ease)}
.opt i{flex:none;width:22px;height:22px;border-radius:50%;border:2px solid #C4CAD2;transition:all .15s}
.opt:hover{border-color:var(--yellow-dk)}
.opt.sel{border-color:var(--yellow-dk);background:#FFFBE6;color:#1A1A1A}
.opt.sel i{border-color:var(--yellow-dk);background:var(--yellow);box-shadow:inset 0 0 0 3px #fff}
.field{width:100%;font-family:inherit;font-size:16px;border:2px solid var(--line);border-radius:14px;padding:15px 16px;margin-top:12px;background:#fff;transition:border .15s}
.field:focus{outline:none;border-color:var(--yellow-dk)}
.agree{display:flex;align-items:center;gap:8px;margin-top:14px;font-size:14px;color:var(--sub);cursor:pointer}
.agree input{width:18px;height:18px;accent-color:var(--yellow-dk)}
.err{color:var(--danger);font-size:13px;margin-top:10px;min-height:18px}
.result-box{background:#FFFBE6;border:1px solid var(--yellow-dk);border-radius:18px;padding:22px;font-size:16px;line-height:1.7;margin:16px 0}
.result-box .amount{display:block;font-size:30px;font-weight:900;color:var(--yellow-dk);margin:6px 0}
.diag-nav{display:flex;gap:12px;margin-top:24px}
.diag-nav .btn{flex:1}
.diag-nav #btn_prev{flex:0 0 96px}
.done-box{text-align:center;padding:30px 0;margin:auto 0}
.done-box .check{width:72px;height:72px;border-radius:50%;background:var(--yellow);color:#1A1A1A;font-size:38px;display:grid;place-items:center;margin:0 auto 20px}
.done-box h2{font-size:22px;font-weight:900;margin-bottom:8px}
.done-box p{color:var(--sub);margin-bottom:24px}

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