:root {
  --bg: #f4f7fb;
  --surface: #ffffff;
  --text: #172033;
  --muted: #5f6b7a;
  --accent: #2563eb;
  --accent-dark: #123e95;
  --accent-soft: #dcecff;
  --border: #dfe7f2;
  --success: #16a34a;
  --warning: #d97706;
  --danger: #dc2626;
  --radius-lg: 32px;
  --radius-md: 16px;
  --shadow-soft: 0 12px 30px rgba(15, 23, 42, 0.06);
  --shadow-strong: 0 24px 60px rgba(18, 62, 149, 0.18);
  --container-max: 1280px;
}

* { box-sizing: border-box; }
/* 일부 요소(.ic-form 등)가 display:grid/flex 등을 명시도 동일하게 선언해서
   [hidden]의 기본 display:none을 덮어써버리는 경우가 있다 - hidden 속성은
   항상 최우선으로 안 보이게 만드는 게 맞으므로 !important로 못박는다. */
[hidden] { display: none !important; }
body {
  margin: 0;
  font-family: "Segoe UI", "Apple SD Gothic Neo", sans-serif;
  color: var(--text);
  background: linear-gradient(180deg, #f9fbff 0%, var(--bg) 100%);
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
h1, h2, h3 { letter-spacing: -0.01em; }
ul { margin: 0; }
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* ---------- Header ---------- */
#site-header {
  position: sticky;
  top: 0;
  z-index: 400;
  width: 100%;
  background: var(--surface);
  border-bottom: 1px solid var(--border);
}
.topbar {
  max-width: var(--container-max);
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 32px;
}
.logo {
  font-size: 1.05rem;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--text);
}
nav ul {
  display: flex;
  gap: 32px;
  list-style: none;
  margin: 0;
  padding: 0;
  flex-wrap: wrap;
}
nav a {
  color: var(--muted);
  font-size: 0.95rem;
  font-weight: 500;
}
nav a:hover,
nav a.active {
  color: var(--accent);
  font-weight: 700;
}
.nav-dropdown {
  position: relative;
}
.nav-dropdown > span {
  cursor: pointer;
  color: var(--muted);
  font-size: 0.95rem;
  font-weight: 500;
}
.nav-dropdown:hover > span,
.nav-dropdown > span.active {
  color: var(--accent);
  font-weight: 700;
}
.nav-dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 160px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 12px;
  box-shadow: var(--shadow-strong);
  padding: 8px;
  display: flex;
  flex-direction: column;
  gap: 2px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: opacity 0.15s ease, transform 0.15s ease, visibility 0.15s ease;
  z-index: 500;
}
.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown:focus-within .nav-dropdown-menu,
.nav-dropdown.open .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.nav-dropdown-menu a {
  padding: 5px 10px;
  border-radius: 8px;
  white-space: nowrap;
  line-height: 1.4;
}
.nav-dropdown-menu a:hover {
  background: var(--accent-soft);
}

/* ---------- 댓글(자유게시판/금융정책 게시판 공용) ---------- */
.comment-section {
  margin-top: 28px;
  padding-top: 20px;
  border-top: 1px solid var(--border);
}
.comment-heading {
  margin: 0 0 14px;
  font-size: 1rem;
}
.comment-heading span {
  color: var(--accent);
}
.comment-list {
  list-style: none;
  margin: 0 0 20px;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.comment-empty {
  color: var(--muted);
  font-size: 0.88rem;
  padding: 8px 0;
}
.comment-item {
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: 12px;
  background: var(--surface);
}
.comment-item-head {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 6px;
}
.comment-nickname {
  font-weight: 700;
  font-size: 0.88rem;
}
.comment-date {
  color: var(--muted);
  font-size: 0.78rem;
  flex: 1;
}
.comment-delete-btn {
  background: none;
  border: none;
  color: var(--muted);
  font-size: 0.78rem;
  cursor: pointer;
  padding: 2px 4px;
}
.comment-delete-btn:hover {
  color: var(--danger);
}
.comment-content {
  margin: 0;
  font-size: 0.9rem;
  line-height: 1.6;
  white-space: pre-wrap;
  word-break: break-word;
}
.comment-delete-confirm {
  display: none;
  gap: 8px;
  align-items: center;
  margin-top: 10px;
  flex-wrap: wrap;
}
.comment-delete-confirm.open {
  display: flex;
}
.comment-delete-confirm input {
  flex: 1;
  min-width: 140px;
  padding: 8px 10px;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-size: 13px;
}
.comment-form {
  display: grid;
  gap: 10px;
}
.comment-form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
.comment-form input,
.comment-form textarea {
  width: 100%;
  padding: 10px 12px;
  border: 1px solid var(--border);
  border-radius: 10px;
  font-size: 14px;
  background: var(--surface);
  color: var(--text);
  font-family: inherit;
}
.comment-form textarea {
  min-height: 80px;
  resize: vertical;
}
@media (max-width: 480px) {
  .comment-form-row { grid-template-columns: 1fr; }
}
.comment-report-btn {
  background: none;
  border: none;
  color: var(--muted);
  font-size: 0.78rem;
  cursor: pointer;
  padding: 2px 4px;
}
.comment-report-btn:hover {
  color: var(--accent);
}
.comment-report-confirm {
  display: none;
  gap: 8px;
  align-items: center;
  margin-top: 10px;
  flex-wrap: wrap;
}
.comment-report-confirm.open {
  display: flex;
}
.comment-report-confirm select {
  padding: 8px 10px;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-size: 13px;
  background: var(--surface);
  color: var(--text);
  font-family: inherit;
}
.turnstile-widget {
  margin: 4px 0 10px;
}

/* ---------- Hero ---------- */
.hero {
  min-height: auto;
  display: flex;
  align-items: center;
  padding: 64px 24px 24px;
  background: transparent;
  color: var(--text);
  overflow: hidden;
  position: relative;
}
.hero-grid {
  max-width: var(--container-max);
  width: 100%;
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr);
  gap: 40px;
  align-items: center;
}
.hero-content {
  max-width: 760px;
}
.eyebrow {
  display: inline-block;
  margin: 0 0 12px;
  padding: 6px 10px;
  border-radius: 999px;
  background: var(--accent-soft);
  color: var(--accent-dark);
  font-size: 0.85rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.hero h1 {
  margin: 0 0 16px;
  font-size: clamp(2rem, 4vw, 3.2rem);
  line-height: 1.2;
}
.hero-text {
  margin: 0 0 24px;
  font-size: 1.05rem;
  color: var(--muted);
  max-width: 680px;
}
.hero-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}
.hero-grid.single {
  grid-template-columns: 1fr;
  justify-items: center;
  text-align: center;
}
.hero-grid.single .hero-actions {
  justify-content: center;
}
.hero-side {
  display: grid;
  gap: 14px;
}
.hero-metric {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 18px 20px;
  box-shadow: var(--shadow-soft);
}
.hero-metric strong {
  display: block;
  font-size: 1.6rem;
  color: var(--accent-dark);
}
.hero-metric span {
  font-size: 0.85rem;
  color: var(--muted);
}

.btn {
  display: inline-block;
  padding: 12px 18px;
  border-radius: 999px;
  font-weight: 600;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  border: none;
  cursor: pointer;
  font-size: 1rem;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: white; color: var(--accent-dark); }
.btn-secondary { border: 1px solid rgba(255,255,255,0.35); color: white; }
.btn-block { width: 100%; text-align: center; }
.hero .btn-primary,
.section .btn-primary,
.cta-band .btn-primary {
  background: var(--accent);
  color: white;
  box-shadow: var(--shadow-strong);
}
.hero .btn-secondary,
.section .btn-secondary {
  border: 1px solid var(--border);
  color: var(--text);
}

/* ---------- Sections ---------- */
.section {
  padding: clamp(56px, 8vw, 96px) 24px;
  max-width: var(--container-max);
  margin: 0 auto;
}
.hero + .section {
  padding-top: 24px;
}
/* 히어로 없이 헤더 바로 다음에 오는 첫 섹션(문의/게시판/분석 등)도
   히어로가 있는 페이지와 같은 간격으로 맞춘다 - 안 그러면 상단 여백만
   유독 커 보인다(최대 96px까지 벌어짐). */
main > .section:first-child {
  padding-top: 24px;
}
/* 시나리오 모델 분석 하위 페이지는 게이트 상태에 따라 #page-gate 또는
   #run 둘 중 하나만 보이는데, 항상 hidden 속성이 붙어있는 #page-gate가
   실제 첫 자식이라 위 :first-child 규칙이 #run엔 안 먹는다. 둘 다
   같은 간격으로 맞춰서 어느 쪽이 보이든 일관되게 한다. */
main > .section#run,
main > .section#page-gate {
  padding-top: 24px;
}
.section-heading {
  max-width: 760px;
  margin-bottom: 28px;
}
.section-heading h1,
.section-heading h2 {
  margin: 0;
  font-size: clamp(1.4rem, 2.5vw, 2rem);
}
.section-heading p {
  color: var(--muted);
  margin: 10px 0 0;
}
.section-heading.center {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.intro-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 20px;
  margin-top: -24px;
}
.panel, .card, .timeline-card, .stat-box, .testimonial-card, .faq-item {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 20px;
  box-shadow: var(--shadow-soft);
}
.panel { padding: 24px; }
.highlight { background: linear-gradient(135deg, #eef5ff, #ffffff); }
/* 게시판 글 상세(.section#board-detail-section > .panel)는 모바일에서
   section(24px)+panel(24px) 여백이 겹쳐 양쪽 48px가 잘려나가 읽기
   폭이 좁아진다. 게시판 7개(정책/부동산/세금 등) 상세 화면에만
   적용되도록 #board-detail-section으로 한정해서 여백을 줄인다. */
@media (max-width: 560px) {
  #board-detail-section { padding-left: 8px; padding-right: 8px; }
  #board-detail-section .panel { padding-left: 8px; padding-right: 8px; }
}

.cards {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 20px;
}
#pillars .cards {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}
.card, .timeline-card {
  padding: 24px;
}
.card h3, .timeline-card h3 { margin-top: 0; }
.card-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--accent-soft);
  color: var(--accent-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 14px;
}
#pillars .card-icon {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: linear-gradient(150deg, var(--accent-soft), #ffffff);
  box-shadow: var(--shadow-soft), inset 0 0 0 1px var(--border);
}
#pillars .card-icon svg {
  width: 24px;
  height: 24px;
}
.tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--accent-dark);
  background: var(--accent-soft);
  padding: 3px 9px;
  border-radius: 999px;
  margin-bottom: 10px;
}

.timeline {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 20px;
}

/* ---------- Stats band ---------- */
.stats-band {
  background: var(--accent-soft);
  color: var(--text);
  padding: 56px 24px;
}
.stats-grid {
  max-width: var(--container-max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 20px;
  text-align: center;
}
.stats-grid .stat strong {
  display: block;
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  color: var(--accent-dark);
}
.stats-grid .stat span {
  font-size: 0.9rem;
  color: var(--muted);
}

/* ---------- Simulation ---------- */
.simulation {
  background: linear-gradient(135deg, #f7fbff, #eef5ff);
  border-radius: 28px;
}
.simulation-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}
.stat-box {
  padding: 24px;
  text-align: center;
}
.stat-box strong {
  display: block;
  font-size: 1.6rem;
  color: var(--accent-dark);
}

.schedule-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: 16px;
}
.schedule-table th,
.schedule-table td {
  border: 1px solid var(--border);
  padding: 10px 12px;
  text-align: right;
}
.schedule-table th {
  background: #f0f4ff;
  text-align: center;
}
.schedule-table tr:nth-child(even) {
  background: #fbfcff;
}

.risk-panel ul { margin: 0; padding-left: 20px; }
.risk-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 20px;
}
.risk-panel.danger { border-color: #fbd5d5; }
.risk-panel.danger h3 { color: var(--danger); }
.risk-panel.success h3 { color: var(--success); }

/* ---------- Testimonials ---------- */
.testimonials {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 20px;
}
.testimonial-card { padding: 24px; }
.testimonial-card .stars { color: #f5a623; margin-bottom: 10px; letter-spacing: 2px; }
.testimonial-card .who {
  margin-top: 14px;
  font-size: 0.85rem;
  color: var(--muted);
}

/* ---------- FAQ ---------- */
.faq-list { display: grid; gap: 12px; }
.faq-item { padding: 4px 20px; }
.faq-item summary {
  cursor: pointer;
  padding: 16px 0;
  font-weight: 600;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-size: 1.3rem;
  color: var(--accent);
}
.faq-item[open] summary::after { content: "−"; }
.faq-item p {
  margin: 0 0 16px;
  color: var(--muted);
}

/* ---------- CTA band ---------- */
.cta-band {
  margin: 0 24px 80px;
  max-width: var(--container-max);
  margin-inline: auto;
  border-radius: var(--radius-lg);
  background: var(--surface);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-soft);
  color: var(--text);
  padding: 56px 40px;
  text-align: center;
}
.cta-band h2 { margin: 0 0 12px; }
.cta-band p { margin: 0 0 24px; color: var(--muted); }
.cta-band .btn-secondary {
  border: 1px solid var(--border);
  color: var(--text);
}
.cta-actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

/* ---------- Footer ---------- */
.footer {
  padding: 48px 24px 28px;
  color: var(--muted);
  border-top: 1px solid var(--border);
}
.footer-content {
  max-width: 560px;
  margin: 0 auto;
  display: grid;
  gap: 1px;
  text-align: center;
}
.footer-content .logo {
  font-size: 1.15rem;
  letter-spacing: -0.01em;
  color: var(--text);
}
.footer-content p {
  margin: 0;
  font-size: 0.95rem;
}
.footer-content .footer-copy {
  margin-top: 1px;
  font-size: 0.8rem;
  color: var(--muted);
  opacity: 0.85;
}

/* ---------- Contact form ---------- */
.contact-form { display: grid; gap: 14px; max-width: 520px; }
.contact-form input,
.contact-form textarea,
.calculator select,
.risk-panel select,
.risk-panel input {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: 12px;
  font-size: 0.95rem;
  font-family: inherit;
}
.contact-form textarea { min-height: 140px; resize: vertical; }
.form-status { font-size: 0.9rem; color: var(--success); min-height: 1.2em; }
.contact-form label,
.field-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--muted);
}
.field-label { margin-bottom: 14px; }
.field-label > input,
.field-label > select {
  margin-top: 6px;
  font-weight: 400;
  color: var(--text);
}

/* ---------- Simulation tools (multi-calculator hub) ---------- */
.sim-tabs {
  display: flex;
  flex-wrap: wrap;
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  margin: 0 0 20px;
}
.sim-tab {
  flex: 1 1 160px;
  padding: 14px 16px;
  border: none;
  /* --border(#dfe7f2)는 흰 배경 위에서 거의 안 보여서, 탭 사이 구분선만
     더 진한 톤으로 따로 지정한다. */
  border-right: 1px solid #c3ccdc;
  background: #fff;
  font-size: 0.95rem;
  font-weight: 600;
  font-family: inherit;
  color: var(--text);
  text-align: left;
  cursor: pointer;
}
.sim-tab:last-child { border-right: none; }
.sim-tab:hover { background: var(--accent-soft); }
.sim-tab.active { color: var(--accent-dark); background: var(--accent-soft); }
.sim-panel[hidden] { display: none; }
.field-label[hidden] { display: none; }
.sim-form-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 12px;
  margin: 0 0 16px;
}
.sim-form-grid.sim-form-grid-fill {
  grid-template-columns: repeat(auto-fill, minmax(150px, 1fr));
}
.lot-slot-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin: 0 0 16px;
}
.lot-slot-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, 130px);
  gap: 12px;
}
.sim-strategy-heading {
  margin: 0 0 12px;
  font-family: "Pretendard", "Segoe UI", "Apple SD Gothic Neo", sans-serif;
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--accent-dark);
}
.dot-group { display: flex; flex-wrap: wrap; gap: 20px; margin: 0 0 16px; }
.dot-group input { display: none; }
.dot-group span {
  display: flex;
  align-items: center;
  gap: 8px;
  cursor: pointer;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text);
}
.dot-group.square-btn span::before {
  content: "";
  display: inline-block;
  width: 20px;
  height: 20px;
  border-radius: 5px;
  border: 2px solid var(--border);
  transition: border-color 0.15s ease, background 0.15s ease, box-shadow 0.15s ease;
}
.dot-group.square-btn input:checked + span::before {
  border-color: var(--accent);
  background: var(--accent);
  box-shadow: inset 0 0 0 4px #fff;
}
.lot-radio-group {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin: 0 0 16px;
}
.lot-radio-option {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 16px;
  border: 1px solid var(--border);
  border-radius: 12px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text);
  cursor: pointer;
  transition: border-color 0.15s ease, background 0.15s ease, color 0.15s ease;
}
.lot-radio-option:hover {
  border-color: var(--accent);
}
.lot-radio-option:has(input:checked) {
  border-color: var(--accent);
  background: var(--accent-soft);
  color: var(--accent-dark);
}
.lot-radio-option input[type="radio"] {
  width: 16px;
  height: 16px;
  accent-color: var(--accent);
  flex-shrink: 0;
}
.sim-inline-field {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  margin: 0 0 20px;
}
.sim-field-fixed {
  max-width: 190px;
  margin-bottom: 0;
}
.sim-field-hint {
  display: block;
  margin-top: 4px;
  font-size: 0.72rem;
  font-weight: 400;
  color: var(--muted);
}
#apt-gnote {
  white-space: nowrap;
}
.sim-note {
  font-size: 0.85rem;
  color: var(--muted);
  margin: 0 0 20px;
}
.sim-note-inline {
  margin: 4px 0 0;
}
.sim-callout {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  background: var(--accent-soft);
  border-left: 4px solid var(--accent-dark);
  border-radius: var(--radius-md);
  padding: 14px 18px;
  margin: 4px 0 20px;
  font-size: 0.95rem;
  font-weight: 600;
  line-height: 1.5;
  color: var(--accent-dark);
}
.sim-callout .sim-callout-icon { font-size: 1.2rem; line-height: 1; }
.sim-calc-btn { margin-top: 20px; }
.sim-divider {
  border: none;
  border-top: 1px dashed var(--border);
  margin: 8px 0 24px;
}
.sim-diagram-wrap { position: relative; }
.sim-diagram { display: block; width: 100%; max-width: 720px; height: auto; margin: 0 auto 20px; }
.sim-fee-legend {
  width: 220px;
  margin: 0 0 20px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-soft);
  padding: 10px 12px;
  font-size: 0.7rem;
  color: var(--muted);
}
@media (min-width: 860px) {
  .sim-fee-legend { position: absolute; right: 0; bottom: 20px; margin: 0; }
}
.sim-fee-legend-title {
  margin: 0 0 6px;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--text);
}
.sim-fee-legend ul {
  list-style: none;
  padding: 0;
  margin: 0;
}
.sim-fee-legend li {
  display: flex;
  justify-content: space-between;
  gap: 8px;
  padding: 1px 0;
}
.sim-fee-legend-row {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin: 0 0 20px;
}
.sim-fee-legend-row .sim-fee-legend {
  position: static;
  width: auto;
  flex: 0 1 240px;
  margin: 0;
}
.sim-diagram .legend-label { font-size: 12px; fill: var(--muted); }
.sim-diagram .legend-swatch { stroke-width: 0.5; }
.sim-diagram .legend-swatch.required { fill: var(--success); stroke: var(--success); }
.sim-diagram .legend-swatch.optional { fill: var(--warning); stroke: var(--warning); }
.sim-diagram .flow-line { stroke-width: 1.5; }
.sim-diagram .flow-line.required { stroke: var(--success); }
.sim-diagram .flow-line.optional { stroke: var(--warning); }
.sim-diagram .node rect { stroke-width: 1.5; }
.sim-diagram .node.c-required rect { fill: rgba(22, 163, 74, 0.08); stroke: var(--success); }
.sim-diagram .node.c-optional rect { fill: rgba(217, 119, 6, 0.08); stroke: var(--warning); }
.sim-diagram .node.c-neutral rect { fill: var(--accent-soft); stroke: var(--accent); }
.sim-diagram .node-title { font-size: 13px; font-weight: 700; fill: var(--text); }
.sim-diagram .node-sub { font-size: 11px; fill: var(--muted); }
.sim-stat-summary {
  margin-top: 16px;
  padding: 20px;
  background: linear-gradient(135deg, #f7fbff, #eef5ff);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-soft);
}
.sim-stat-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 12px;
}
.sim-stat-tile {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 2px;
  background: var(--surface);
  border-radius: var(--radius-md);
  padding: 16px 10px;
  text-align: center;
  box-shadow: var(--shadow-soft);
  transition: transform 0.2s ease;
}
.sim-stat-tile:hover { transform: translateY(-2px); }
.sim-stat-icon { font-size: 1.3rem; line-height: 1; margin-bottom: 2px; }
.sim-stat-tile p { margin: 0; }
.sim-stat-tile .sim-stat-label {
  font-family: "Pretendard", "Segoe UI", "Apple SD Gothic Neo", sans-serif;
  font-size: 14px;
  font-weight: 400;
  color: var(--muted);
}
.sim-stat-tile .sim-stat-value {
  font-family: "Pretendard", "Segoe UI", "Apple SD Gothic Neo", sans-serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--accent-dark);
  white-space: nowrap;
}

@media (min-width: 700px) {
  .sim-stat-grid { grid-template-columns: repeat(4, 1fr); }
}

.sim-breakdown {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 16px;
  margin-top: 16px;
}
.sim-breakdown-group {
  background: var(--bg);
  border-radius: var(--radius-md);
  padding: 16px;
}
.sim-breakdown-title {
  margin: 0 0 10px;
  font-family: "Pretendard", "Segoe UI", "Apple SD Gothic Neo", sans-serif;
  font-size: 20px;
  font-weight: 700;
  color: var(--text);
}
.sim-callout p {
  margin: 0 0 8px;
  font-family: "Pretendard", "Segoe UI", "Apple SD Gothic Neo", sans-serif;
  font-size: 15px;
  font-weight: 400;
  line-height: 1.5;
}
.sim-callout p:last-child { margin-bottom: 0; }
.sim-breakdown-row {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  padding: 4px 0;
  font-size: 0.8rem;
}
.sim-breakdown-item { color: var(--muted); }
.sim-breakdown-amount { color: var(--text); font-weight: 500; }
.sim-breakdown-row.total {
  margin-top: 6px;
  padding-top: 8px;
  border-top: 1px solid var(--border);
}
.sim-breakdown-row.total .sim-breakdown-item { color: var(--text); font-weight: 700; }
.sim-breakdown-row.total .sim-breakdown-amount { color: var(--accent-dark); font-weight: 700; }

@media (max-width: 960px) {
  .hero-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .intro-grid,
  .cards,
  .timeline,
  .simulation-grid,
  .stats-grid,
  .testimonials,
  .risk-grid {
    grid-template-columns: 1fr;
  }
  .topbar { flex-direction: column; align-items: flex-start; gap: 12px; padding: 16px 20px; }
  nav ul { gap: 16px; }
  .hero { min-height: auto; padding-top: 40px; }
}