/* ═══════════════ getmymoney 공유 디자인 시스템 ═══════════════ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
:root {
  --navy:#0C2746; --navy2:#1a3a5c; --red:#c0392b; --cream:#F5F4F1;
  --paper:#fff; --line:#E8E6E1; --muted:#6C7077; --text:#1c1814;
  --green:#2d6a4f; --amber:#b45309;
  --sans:"Pretendard Variable",-apple-system,BlinkMacSystemFont,sans-serif;
  --max:720px;
}
html { font-size:16px; scroll-behavior:smooth; }
body { font-family:var(--sans); background:var(--cream); color:var(--text); line-height:1.6; -webkit-font-smoothing:antialiased; overflow-x:hidden; }
a { text-decoration:none; color:inherit; }
button { font-family:var(--sans); cursor:pointer; }

/* NAV */
.nav { position:sticky; top:0; z-index:50; background:rgba(245,244,241,.9); backdrop-filter:blur(16px); border-bottom:1px solid rgba(12,39,70,.06); padding:0 clamp(16px,4vw,24px); }
.nav-in { max-width:var(--max); margin:0 auto; display:flex; justify-content:space-between; align-items:center; height:62px; }
.brand { display:flex; align-items:baseline; gap:8px; }
.brand b { font-size:1.12rem; font-weight:800; color:var(--navy); letter-spacing:-.03em; }
.brand b em { color:var(--red); font-style:normal; }
.brand span { font-size:.76rem; font-weight:600; color:var(--muted); }
.nav-right { display:flex; align-items:center; gap:14px; }
.nav-link { font-size:.8rem; font-weight:600; color:var(--muted); transition:color .2s; }
.nav-link:hover { color:var(--navy); }

/* FLASH */
.flash { max-width:var(--max); margin:14px auto 0; padding:11px 16px; border-radius:9px; font-size:.86rem; font-weight:600; }
.flash.info { background:#eff6ff; color:#1d4ed8; border:1px solid #bfdbfe; }
.flash.success { background:#f0fdf4; color:#15803d; border:1px solid #bbf7d0; }
.flash.error { background:#fef2f2; color:#b91c1c; border:1px solid #fecaca; }

/* LAYOUT */
.wrap { max-width:var(--max); margin:0 auto; padding:clamp(32px,6vw,56px) clamp(16px,4vw,24px) 80px; }
.eyebrow { display:inline-block; font-size:.72rem; font-weight:700; letter-spacing:.2em; text-transform:uppercase; color:var(--red); margin-bottom:1rem; }
.page-title { font-size:clamp(1.6rem,4.6vw,2.4rem); font-weight:800; color:var(--navy); letter-spacing:-.04em; line-height:1.18; margin-bottom:.9rem; }
.page-sub { font-size:1rem; color:var(--muted); line-height:1.8; margin-bottom:2.2rem; max-width:36em; }
.page-sub b { color:var(--text); }

/* STEP TRACK */
.track { display:flex; align-items:center; margin-bottom:14px; }
.pip { width:30px; height:30px; border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:.82rem; font-weight:700; flex-shrink:0; transition:all .3s; }
.pip.done { background:var(--navy); color:#fff; }
.pip.active { background:var(--red); color:#fff; box-shadow:0 0 0 4px rgba(192,57,43,.14); }
.pip.future { background:var(--line); color:var(--muted); }
.bar { flex:1; height:2px; background:var(--line); margin:0 2px; }
.bar.done { background:var(--navy); }
.track-info { display:flex; justify-content:space-between; align-items:baseline; margin-bottom:22px; }
.track-label { font-size:.82rem; font-weight:700; color:var(--navy); }
.track-count { font-size:.74rem; color:var(--muted); font-variant-numeric:tabular-nums; }

/* CARD */
.card { background:var(--paper); border:1px solid var(--line); border-radius:14px; overflow:hidden; }
.card-head { padding:22px 24px 16px; border-bottom:1px solid var(--line); }
.card-en { font-size:.6rem; font-weight:700; letter-spacing:.2em; text-transform:uppercase; color:var(--red); display:block; margin-bottom:.3rem; }
.card-ko { font-size:1.12rem; font-weight:800; color:var(--navy); }
.card-note { font-size:.82rem; color:var(--muted); margin-top:.5rem; line-height:1.65; }
.card-body { padding:22px 24px; }
.err { background:#fef2f2; color:#b91c1c; font-size:.84rem; font-weight:600; padding:11px 14px; border-radius:8px; border:1px solid #fecaca; margin-bottom:18px; }

/* OPTIONS (radio cards) */
.opts { display:flex; flex-direction:column; gap:10px; }
.opt { display:flex; align-items:center; gap:13px; padding:15px 16px; border:1.5px solid var(--line); border-radius:10px; cursor:pointer; transition:all .18s; background:#fff; }
.opt:hover { border-color:var(--navy); }
.opt input { position:absolute; opacity:0; }
.opt-dot { width:18px; height:18px; border-radius:50%; border:2px solid var(--line); flex-shrink:0; transition:all .18s; position:relative; }
.opt input:checked + .opt-dot { border-color:var(--red); }
.opt input:checked + .opt-dot::after { content:""; position:absolute; inset:3px; border-radius:50%; background:var(--red); }
.opt:has(input:checked) { border-color:var(--red); background:rgba(192,57,43,.03); }
.opt-txt b { display:block; font-size:.96rem; font-weight:700; color:var(--text); }
.opt-txt span { font-size:.8rem; color:var(--muted); }

/* FIELDS */
.field { margin-bottom:18px; }
.field:last-child { margin-bottom:0; }
.field > label { display:block; font-size:.84rem; font-weight:700; color:var(--navy); margin-bottom:8px; }
.field .hint { font-size:.78rem; color:var(--muted); font-weight:400; margin-left:6px; }
.input, .select, textarea.input { width:100%; font-family:inherit; font-size:1rem; padding:13px 14px; border:1.5px solid var(--line); border-radius:10px; background:#fff; color:var(--text); transition:border .18s; }
.input:focus, .select:focus, textarea.input:focus { outline:none; border-color:var(--navy); }
textarea.input { resize:vertical; min-height:96px; line-height:1.7; }
.input-money { position:relative; }
.input-money .input { padding-right:38px; text-align:right; font-variant-numeric:tabular-nums; font-weight:700; }
.input-money::after { content:"원"; position:absolute; right:14px; top:50%; transform:translateY(-50%); font-size:.9rem; color:var(--muted); }
.grid2 { display:grid; grid-template-columns:1fr 1fr; gap:14px; }
@media (max-width:520px){ .grid2 { grid-template-columns:1fr; } }
.toggle-row { display:flex; gap:10px; }
.toggle { flex:1; text-align:center; padding:13px; border:1.5px solid var(--line); border-radius:10px; font-size:.92rem; font-weight:700; color:var(--muted); transition:all .18s; }
.toggle input { position:absolute; opacity:0; }
.toggle:has(input:checked) { border-color:var(--red); color:var(--red); background:rgba(192,57,43,.04); }
.cond { margin-top:18px; padding-top:18px; border-top:1px dashed var(--line); }
/* checkbox grid (증거) */
.checks { display:grid; grid-template-columns:1fr 1fr; gap:10px; }
@media (max-width:520px){ .checks { grid-template-columns:1fr; } }
.chk { display:flex; align-items:center; gap:10px; padding:12px 14px; border:1.5px solid var(--line); border-radius:9px; cursor:pointer; font-size:.9rem; transition:all .18s; }
.chk:has(input:checked) { border-color:var(--red); background:rgba(192,57,43,.03); }
.chk input { width:17px; height:17px; accent-color:var(--red); }
.fieldset-title { font-size:.74rem; font-weight:800; letter-spacing:.04em; color:var(--red); text-transform:uppercase; margin:26px 0 14px; padding-top:18px; border-top:1px solid var(--line); }
.fieldset-title:first-of-type { border-top:none; padding-top:0; margin-top:0; }

/* ACTIONS */
.actions { display:flex; justify-content:space-between; align-items:center; padding:18px 24px; border-top:1px solid var(--line); background:#fbfaf7; }
.meta { font-size:.68rem; color:var(--muted); letter-spacing:.04em; }
.btn { display:inline-flex; align-items:center; gap:7px; font-size:.95rem; font-weight:700; padding:12px 24px; border-radius:10px; border:none; transition:all .2s; }
.btn svg { width:15px; height:15px; }
.btn-primary { background:var(--navy); color:#fff; }
.btn-primary:hover { background:var(--navy2); transform:translateY(-1px); }
.btn-red { background:var(--red); color:#fff; }
.btn-red:hover { background:#a5281c; transform:translateY(-1px); }
.btn-prev { background:transparent; color:var(--muted); border:1.5px solid var(--line); }
.btn-prev:hover { border-color:var(--navy); color:var(--navy); }
.btn-block { width:100%; justify-content:center; }

/* VERDICT (적합성 결과) */
.verdict { border-radius:16px; padding:clamp(26px,5vw,40px); margin-bottom:20px; }
.verdict.ok { background:var(--navy); color:#fff; }
.verdict.warn { background:#fffbeb; border:1px solid #fde68a; }
.verdict.route { background:var(--paper); border:1px solid var(--line); }
.verdict-tag { display:inline-flex; align-items:center; gap:7px; font-size:.74rem; font-weight:700; letter-spacing:.1em; text-transform:uppercase; margin-bottom:14px; }
.verdict.ok .verdict-tag { color:#4ade80; }
.verdict.warn .verdict-tag { color:var(--amber); }
.verdict.route .verdict-tag { color:var(--muted); }
.verdict-tag::before { content:""; width:8px; height:8px; border-radius:50%; background:currentColor; }
.verdict h2 { font-size:clamp(1.3rem,3.4vw,1.8rem); font-weight:800; letter-spacing:-.03em; line-height:1.3; margin-bottom:.8rem; }
.verdict.ok h2 { color:#fff; }
.verdict.warn h2, .verdict.route h2 { color:var(--navy); }
.verdict p { font-size:.94rem; line-height:1.85; }
.verdict.ok p { color:rgba(255,255,255,.72); }
.verdict.warn p, .verdict.route p { color:#5a5450; }

/* RESULT / COST breakdown */
.res-hero { background:var(--navy); border-radius:16px; padding:clamp(26px,5vw,38px); color:#fff; margin-bottom:20px; }
.res-hero-label { font-size:.74rem; font-weight:700; letter-spacing:.14em; text-transform:uppercase; color:rgba(255,255,255,.55); margin-bottom:14px; }
.res-claim { font-size:clamp(1.9rem,7vw,2.9rem); font-weight:800; letter-spacing:-.04em; line-height:1; margin-bottom:8px; }
.res-claim em { font-style:normal; color:#f5c842; }
.res-hero-sub { font-size:.9rem; color:rgba(255,255,255,.6); line-height:1.7; }
.res-break { background:var(--paper); border:1px solid var(--line); border-radius:14px; overflow:hidden; margin-bottom:20px; }
.res-row { display:flex; justify-content:space-between; align-items:center; padding:15px 22px; border-bottom:1px solid var(--line); font-size:.92rem; }
.res-row:last-child { border-bottom:none; }
.res-row .k { color:var(--muted); }
.res-row .k small { display:block; font-size:.72rem; margin-top:2px; }
.res-row .v { font-weight:700; color:var(--text); font-variant-numeric:tabular-nums; }
.res-row.sub .v { color:var(--navy); }
.res-row.sum { background:#fbfaf7; font-size:1.05rem; }
.res-row.sum .v { color:var(--red); font-size:1.2rem; }
.disclaimer { font-size:.78rem; color:var(--muted); line-height:1.8; background:#fbfaf7; border:1px solid var(--line); border-radius:10px; padding:16px 18px; margin-bottom:22px; }

/* STEPS GUIDE */
.steps-guide { background:var(--paper); border:1px solid var(--line); border-radius:14px; padding:24px; margin-bottom:20px; }
.steps-guide h3 { font-size:1rem; font-weight:800; color:var(--navy); margin-bottom:16px; }
.guide-item { display:grid; grid-template-columns:28px 1fr; gap:13px; padding:11px 0; border-top:1px solid var(--line); }
.guide-item:first-of-type { border-top:none; }
.guide-no { font-size:.8rem; font-weight:800; color:var(--red); font-variant-numeric:tabular-nums; }
.guide-txt b { display:block; font-size:.9rem; font-weight:700; color:var(--navy); margin-bottom:2px; }
.guide-txt span { font-size:.84rem; color:var(--muted); line-height:1.7; }

/* FOOTER */
.foot { text-align:center; font-size:.74rem; color:var(--muted); margin-top:48px; line-height:1.9; }
.foot a { color:var(--muted); text-decoration:underline; }

/* ── 요금제 카드 (2단계) ── */
.cost-note{background:#fbfaf7;border:1px solid var(--line);border-radius:12px;padding:16px 18px;margin-bottom:18px;font-size:.86rem;color:#5a5450;line-height:1.7}
.cost-note .row{display:flex;justify-content:space-between;padding:4px 0}
.cost-note .row b{color:var(--navy);font-variant-numeric:tabular-nums}
.plans{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:18px}
@media(max-width:600px){.plans{grid-template-columns:1fr}}
.plan{border:1.5px solid var(--line);border-radius:14px;background:var(--paper);padding:24px 22px;display:flex;flex-direction:column}
.plan.featured{border-color:var(--navy);box-shadow:0 6px 24px rgba(12,39,70,.08)}
.plan-badge{align-self:flex-start;font-size:.66rem;font-weight:800;letter-spacing:.08em;color:#fff;background:var(--navy);padding:3px 9px;border-radius:99px;margin-bottom:10px}
.plan-name{font-size:1.05rem;font-weight:800;color:var(--navy)}
.plan-tag{font-size:.8rem;color:var(--muted);margin:4px 0 16px;line-height:1.5;min-height:2.6em}
.plan-fee{font-size:1.7rem;font-weight:800;color:var(--navy);letter-spacing:-.02em}
.plan-fee small{font-size:.8rem;font-weight:600;color:var(--muted)}
.plan-total{font-size:.84rem;color:var(--muted);margin:8px 0 18px;line-height:1.6}
.plan-total b{color:var(--red);font-weight:800;font-size:1.05rem}
.plan-feat{list-style:none;display:flex;flex-direction:column;gap:10px;margin-bottom:20px;flex:1}
.plan-feat li{display:grid;grid-template-columns:18px 1fr;gap:9px;font-size:.86rem;line-height:1.4}
.plan-feat .mk{font-weight:800}
.plan-feat .on .mk{color:var(--green)}
.plan-feat .off .mk{color:#d4cfc8}
.plan-feat b{font-weight:700;color:var(--text)}
.plan-feat .off b{color:#b0aaa4;font-weight:600}
.plan-feat small{display:block;font-size:.75rem;color:var(--muted);font-weight:400}
.plan-pick{width:100%;justify-content:center;margin-top:auto}

/* ═══════════════ 단계별 위저드 (신청서 입력) ═══════════════ */
.wz-step{ display:block; }                          /* JS 없을 때 전체 표시 */
#wz.on .wz-step{ display:none; }
#wz.on .wz-step.active{ display:block; animation:wzfade .24s ease; }
@keyframes wzfade{ from{opacity:0; transform:translateY(6px);} to{opacity:1; transform:none;} }
.wz-step-h{ font-size:1.18rem; font-weight:800; color:var(--navy); letter-spacing:-.02em; margin-bottom:5px; }
.wz-step-sub{ font-size:.86rem; color:var(--muted); line-height:1.65; margin-bottom:20px; }
.wz-step-sub b{ color:var(--text); }
.wz-msg{ display:none; background:#fef2f2; color:#b91c1c; font-size:.82rem; font-weight:600; padding:10px 13px; border-radius:8px; margin-top:16px; }
.wz-nav{ display:flex; justify-content:space-between; align-items:center; gap:10px; padding:16px 24px; border-top:1px solid var(--line); background:#fbfaf7; }
.wz-nav .btn{ padding:11px 20px; }
/* JS 없을 때(점진적 향상): 각 스텝 사이 구분선 — 스텝 모드에선 제거 */
.wz-step + .wz-step .card-body{ border-top:1px solid var(--line); }
#wz.on .wz-step + .wz-step .card-body{ border-top:none; }

/* ═══════════════════════════════════════════════
   TOSS 스타일 — 비용 계산기 / 결제 미리보기 (.toss 스코프)
═══════════════════════════════════════════════ */
.toss{
  --tb:#3182F6; --tb-d:#1B64DA; --tink:#191F28; --tsub:#4E5968;
  --tmute:#8B95A1; --tbg:#F2F4F6; --tline:#E5E8EB; --tgood:#15803d;
}
.toss, .toss *{ letter-spacing:-.02em; }
.toss .toss-eyebrow{ display:block; font-size:.8rem; font-weight:700; color:var(--tb); margin-bottom:10px; }
.toss .toss-title{ font-size:clamp(1.5rem,4.4vw,2rem); font-weight:800; color:var(--tink); line-height:1.3; margin-bottom:8px; }
.toss .toss-sub{ font-size:.92rem; color:var(--tmute); line-height:1.7; margin-bottom:24px; }
.toss .toss-sub b{ color:var(--tsub); font-weight:700; }

/* 금액 히어로 — 흰 카드 + 파란 숫자 */
.toss-hero{ background:#fff; border:1px solid var(--tline); border-radius:20px; padding:28px 24px; margin-bottom:14px; }
.toss-hero-label{ font-size:.86rem; font-weight:600; color:var(--tmute); margin-bottom:10px; }
.toss-hero-amt{ font-size:clamp(2rem,8vw,2.8rem); font-weight:800; color:var(--tink); line-height:1; font-variant-numeric:tabular-nums; }
.toss-hero-amt em{ font-style:normal; color:var(--tb); }
.toss-hero-amt span{ font-size:.5em; font-weight:700; color:var(--tsub); margin-left:3px; }
.toss-hero-sub{ font-size:.88rem; color:var(--tmute); line-height:1.6; margin-top:12px; }
.toss-hero-sub small{ color:var(--tb); font-weight:600; }

/* 내역(breakdown) 카드 */
.toss-card{ background:#fff; border:1px solid var(--tline); border-radius:20px; padding:8px 22px; margin-bottom:14px; }
.toss-bd-head{ display:flex; align-items:center; gap:8px; font-size:.92rem; font-weight:700; color:var(--tink); padding:16px 0 6px; }
.toss-bd-head .tag{ font-size:.68rem; font-weight:700; color:var(--tmute); background:var(--tbg); padding:2px 8px; border-radius:6px; }
.toss-bd-row{ display:flex; justify-content:space-between; align-items:center; padding:13px 0; font-size:.94rem; color:var(--tsub); border-top:1px solid var(--tline); }
.toss-bd-row:first-of-type{ border-top:none; }
.toss-bd-row i{ display:block; font-style:normal; font-size:.76rem; color:var(--tmute); margin-top:3px; }
.toss-bd-row b{ color:var(--tink); font-weight:700; font-variant-numeric:tabular-nums; }
.toss-bd-row.total{ border-top:1.5px solid var(--tink); }
.toss-bd-row.total span{ font-weight:700; color:var(--tink); }
.toss-bd-row.total b{ color:var(--tb); font-size:1.15rem; }
.toss-bd-foot{ font-size:.8rem; color:var(--tmute); line-height:1.6; padding:2px 0 16px; }

/* 안내 콜아웃 */
.toss-note{ border-radius:16px; padding:18px 20px; margin-bottom:14px; font-size:.86rem; line-height:1.7; }
.toss-note b{ display:block; font-weight:700; margin-bottom:5px; font-size:.92rem; }
.toss-note.warn{ background:#FFF7E6; color:#8a5a00; }
.toss-note.warn b{ color:#A15C00; }
.toss-note.info{ background:#EBF3FF; color:#1B4D91; }
.toss-note.info b{ color:var(--tb-d); }

/* 섹션 제목 */
.toss-h{ font-size:1.2rem; font-weight:800; color:var(--tink); margin:26px 0 4px; }
.toss-h-sub{ font-size:.88rem; color:var(--tmute); margin-bottom:16px; }

/* 요금제 카드 */
.toss-plans{ display:grid; grid-template-columns:1fr 1fr; gap:12px; margin-bottom:18px; }
@media(max-width:600px){ .toss-plans{ grid-template-columns:1fr; } }
.toss-plan{ border:1.5px solid var(--tline); border-radius:18px; background:#fff; padding:22px 20px; display:flex; flex-direction:column; }
.toss-plan.on{ border:2px solid var(--tb); }
.toss-plan-badge{ align-self:flex-start; font-size:.68rem; font-weight:700; color:#fff; background:var(--tb); padding:3px 10px; border-radius:99px; margin-bottom:10px; }
.toss-plan-name{ font-size:1.08rem; font-weight:800; color:var(--tink); }
.toss-plan-tag{ font-size:.82rem; color:var(--tmute); margin:4px 0 16px; line-height:1.5; min-height:2.4em; }
.toss-plan-fee{ font-size:1.6rem; font-weight:800; color:var(--tink); letter-spacing:-.03em; font-variant-numeric:tabular-nums; }
.toss-plan-fee small{ font-size:.78rem; font-weight:600; color:var(--tmute); }
.toss-plan-fee del{ display:block; font-size:.92rem; font-weight:600; color:var(--tmute); text-decoration:line-through; }
.toss-plan-fee .disc{ display:block; font-size:.74rem; font-weight:700; color:var(--tb); margin-top:2px; }
.toss-plan-pay{ font-size:.84rem; color:var(--tsub); margin:8px 0 16px; line-height:1.55; }
.toss-plan-pay b{ display:block; color:var(--tink); font-weight:800; font-size:1.15rem; margin-bottom:2px; font-variant-numeric:tabular-nums; }
.toss-plan-feat{ list-style:none; display:flex; flex-direction:column; gap:9px; margin-bottom:18px; flex:1; }
.toss-plan-feat li{ display:grid; grid-template-columns:18px 1fr; gap:8px; font-size:.85rem; line-height:1.4; color:var(--tsub); }
.toss-plan-feat .mk{ font-weight:800; }
.toss-plan-feat .on .mk{ color:var(--tb); }
.toss-plan-feat .off{ color:var(--tmute); }
.toss-plan-feat .off .mk{ color:#C4CBD3; }
.toss-plan-feat b{ font-weight:700; color:var(--tink); }
.toss-plan-feat .off b{ color:var(--tmute); font-weight:600; }
.toss-plan-feat small{ display:block; font-size:.74rem; color:var(--tmute); font-weight:400; }

/* Toss 버튼 */
.toss-btn{ display:flex; align-items:center; justify-content:center; gap:6px; width:100%; font-size:1rem; font-weight:700; padding:15px; border-radius:14px; border:none; background:var(--tb); color:#fff; transition:background .18s; margin-top:auto; }
.toss-btn:hover{ background:var(--tb-d); }
.toss-btn.ghost{ background:var(--tbg); color:var(--tsub); }
.toss-btn.ghost:hover{ background:#E5E8EB; }
.toss-fine{ font-size:.78rem; color:var(--tmute); line-height:1.7; background:var(--tbg); border-radius:14px; padding:16px 18px; margin-bottom:14px; }

/* ═══════════════════════════════════════════════
   지급명령 — bizinfo 사업자 고지 푸터 (자체 테마)
═══════════════════════════════════════════════ */
.pl-bizinfo { border-top: 1px solid var(--line); background: var(--cream); color: var(--muted); font-size: .74rem; line-height: 1.85; padding: 22px clamp(16px,4vw,28px); }
.pl-bizinfo-in { max-width: 1024px; margin: 0 auto; }
.pl-bizinfo-nav { display: flex; gap: 8px 16px; flex-wrap: wrap; margin-bottom: 10px; font-weight: 600; }
.pl-bizinfo-nav a { color: var(--navy); text-decoration: none; }
.pl-bizinfo-nav a.privacy { font-weight: 800; }
.pl-bizinfo-nav .sep { opacity: .4; }
.pl-bizinfo-note { margin-top: 8px; opacity: .8; }