/* 스피드대출 — 다크 럭스 스파 (다크 네이비 + 골드, 좌측 고정 목차, 고대비)
   가독성 원칙:
   - 본문은 순백이 아닌 웜 아이보리(#EAE4D4)로 눈부심 방지, 배경 대비 약 12:1
   - 골드 링크(#D9BD82)는 다크 배경 대비 약 8:1 확보
   - 본문 17px / 행간 1.85 / 문단 폭 제한(읽기 폭 70자 내외)
*/
:root {
  --bg: #0b1729;          /* 본문 배경 */
  --bg-deep: #081120;     /* 헤더/푸터 */
  --panel: #11233c;       /* 카드/패널 */
  --panel-hover: #16294a;
  --gold: #c9a96a;
  --gold-bright: #d9bd82; /* 링크/강조 — 대비 확보용 밝은 골드 */
  --gold-soft: rgba(201, 169, 106, .38);
  --gold-faint: rgba(201, 169, 106, .16);
  --ivory: #f3eedd;       /* 제목 */
  --text: #eae4d4;        /* 본문 */
  --muted: #b1a890;       /* 보조 텍스트 */
  --line: rgba(234, 228, 212, .12);
  --serif: "Noto Serif KR", "Nanum Myeongjo", "Apple SD Gothic Neo", serif;
  --sans: "Pretendard", "Apple SD Gothic Neo", "Malgun Gothic", "맑은 고딕", sans-serif;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  font-family: var(--sans);
  font-size: 17px;
  color: var(--text);
  background:
    radial-gradient(1100px 500px at 85% -100px, rgba(201, 169, 106, .07), transparent 60%),
    radial-gradient(900px 600px at -200px 40%, rgba(27, 58, 99, .5), transparent 60%),
    var(--bg);
  line-height: 1.85;
  word-break: keep-all;
}
a { color: var(--gold-bright); text-decoration: none; transition: color .15s; }
a:hover { color: var(--ivory); text-decoration: underline; text-underline-offset: 3px; }
ul { padding-left: 1.2em; }
::selection { background: var(--gold); color: var(--bg-deep); }
:focus-visible { outline: 2px solid var(--gold-bright); outline-offset: 2px; }
section[id], [id="faq"], [id="related"] { scroll-margin-top: 96px; }

/* ───── 헤더 / 내비게이션 ───── */
.site-header {
  background: rgba(8, 17, 32, .92);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--gold-soft);
  position: sticky; top: 0; z-index: 100;
}
.header-inner {
  max-width: 1240px; margin: 0 auto; padding: 0 18px;
  display: flex; align-items: center; justify-content: space-between;
  flex-wrap: wrap;
}
.logo {
  color: var(--ivory); font-family: var(--serif);
  font-size: 1.32rem; font-weight: 700;
  padding: 15px 0; letter-spacing: 0.05em;
}
.logo:hover { text-decoration: none; color: #fff; }
.logo .logo-mark { color: var(--gold); margin-right: 2px; }
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 10px; }
.nav-toggle span {
  display: block; width: 22px; height: 1.5px; background: var(--gold); margin: 5.5px 0;
}
.nav-list { list-style: none; display: flex; padding: 0; }
.nav-item { position: relative; }
.nav-item > a {
  display: block; color: #cfc8b4; padding: 19px 12px;
  font-size: 0.93rem; font-weight: 600; letter-spacing: 0.01em;
}
.nav-item > a:hover { color: var(--gold-bright); text-decoration: none; }
.nav-item.active > a { color: var(--gold-bright); box-shadow: inset 0 -2px 0 var(--gold); }
.sub-toggle { display: none; }

/* 드롭다운 */
.sub {
  display: none; position: absolute; top: 100%; left: 0;
  background: var(--bg-deep); min-width: 215px; list-style: none; padding: 10px 0;
  border: 1px solid var(--gold-soft); border-top: 2px solid var(--gold);
  box-shadow: 0 18px 40px rgba(0, 0, 0, .5);
}
.sub li a { display: block; padding: 8px 20px; color: var(--text); font-size: 0.92rem; }
.sub li a:hover { background: var(--panel); color: var(--gold-bright); text-decoration: none; }
.nav-item.has-sub:hover .sub { display: block; }

/* 메가메뉴 */
.mega {
  display: none; position: absolute; top: 100%; left: 50%; transform: translateX(-35%);
  background: var(--bg-deep); padding: 26px 30px 16px; width: 790px;
  border: 1px solid var(--gold-soft); border-top: 2px solid var(--gold);
  box-shadow: 0 20px 46px rgba(0, 0, 0, .55);
}
.nav-item.has-mega:hover .mega { display: flex; flex-wrap: wrap; gap: 8px 32px; }
.mega-col { min-width: 152px; flex: 1; }
.mega-col h3 {
  font-family: var(--serif); font-size: 0.85rem; color: var(--gold);
  border-bottom: 1px solid var(--gold-soft); padding-bottom: 7px; margin-bottom: 9px;
  letter-spacing: 0.08em;
}
.mega-col ul { list-style: none; padding: 0; }
.mega-col li a { display: block; padding: 4px 0; color: var(--text); font-size: 0.92rem; }
.mega-col li a:hover { color: var(--gold-bright); }
.mega-all { width: 100%; border-top: 1px solid var(--line); margin-top: 12px; padding-top: 11px; }
.mega-all a { font-weight: 700; font-size: 0.92rem; }

/* ───── 본문 레이아웃 ───── */
.container { max-width: 900px; margin: 0 auto; padding: 36px 18px 60px; }
.container.wide { max-width: 1240px; }

/* 좌측 고정 목차 + 본문 그리드 */
.page-grid {
  display: grid; grid-template-columns: 230px minmax(0, 1fr);
  gap: 46px; align-items: start;
}
.page-grid article, .page-grid .page-content { max-width: 820px; min-width: 0; }

.toc { position: sticky; top: 92px; }
.toc-inner { border-left: 1px solid var(--gold-soft); padding: 4px 0 4px 18px; }
.toc-title {
  font-family: var(--serif); color: var(--gold); font-size: 0.85rem;
  letter-spacing: 0.22em; margin-bottom: 10px;
}
.toc ol { list-style: none; padding: 0; }
.toc li { margin: 0; }
.toc a {
  display: block; padding: 6px 0; color: var(--muted);
  font-size: 0.88rem; line-height: 1.5;
  border-left: 2px solid transparent; margin-left: -19.5px; padding-left: 18px;
}
.toc a:hover { color: var(--gold-bright); text-decoration: none; }
.toc a.active { color: var(--gold-bright); border-left-color: var(--gold); font-weight: 700; }

.breadcrumb { font-size: 0.84rem; color: var(--muted); margin-bottom: 24px; letter-spacing: 0.02em; }
.breadcrumb a { color: var(--muted); }
.breadcrumb a:hover { color: var(--gold-bright); }
.breadcrumb span { color: var(--gold-bright); }

h1 {
  font-family: var(--serif); font-size: 1.9rem; color: var(--ivory);
  letter-spacing: -0.01em; margin-bottom: 14px; line-height: 1.45;
}
.lead { font-size: 1.05rem; color: var(--muted); margin-bottom: 28px; max-width: 46em; }
section { margin-bottom: 48px; }
section h2 {
  font-family: var(--serif); font-size: 1.32rem; color: var(--ivory);
  padding-bottom: 11px; margin-bottom: 18px;
  border-bottom: 1px solid var(--line); position: relative;
}
section h2::after {
  content: ""; position: absolute; left: 0; bottom: -1px;
  width: 56px; height: 2px; background: var(--gold);
}
section p { margin-bottom: 14px; max-width: 46em; }
section ul { margin-bottom: 14px; max-width: 46em; }
section li { margin-bottom: 8px; }
section li::marker { color: var(--gold); }

/* 카드 */
.card-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(245px, 1fr));
  gap: 16px; margin: 8px 0 16px;
}
.card {
  display: block; background: var(--panel);
  border: 1px solid var(--line); border-top: 2px solid var(--gold-soft);
  padding: 18px 20px; color: var(--text);
  transition: box-shadow .2s, transform .2s, border-color .2s, background .2s;
}
.card:hover {
  text-decoration: none; border-top-color: var(--gold); background: var(--panel-hover);
  box-shadow: 0 14px 30px rgba(0, 0, 0, .4); transform: translateY(-3px);
}
.card h3 { font-family: var(--serif); font-size: 1.03rem; color: var(--ivory); margin-bottom: 7px; }
.card p { font-size: 0.87rem; color: var(--muted); line-height: 1.65; }

/* 칩 */
.chip-row { display: flex; flex-wrap: wrap; gap: 9px; }
.chip {
  background: var(--panel); border: 1px solid var(--gold-soft); border-radius: 999px;
  padding: 7px 18px; font-size: 0.9rem; color: var(--text); font-weight: 600;
}
.chip:hover { border-color: var(--gold); color: var(--gold-bright); text-decoration: none; }

/* FAQ */
.faq details {
  background: var(--panel); border: 1px solid var(--line);
  border-left: 2px solid var(--gold);
  padding: 15px 19px; margin-bottom: 11px;
}
.faq summary {
  cursor: pointer; font-weight: 700; color: var(--ivory);
  font-family: var(--serif); font-size: 1.0rem;
}
.faq summary::marker { color: var(--gold); }
.faq details[open] { background: var(--panel-hover); }
.faq details p { margin-top: 11px; color: var(--text); }

/* 홈 히어로 — 이중 골드 프레임 */
.hero {
  background:
    radial-gradient(700px 300px at 80% 0%, rgba(201, 169, 106, .12), transparent 60%),
    linear-gradient(150deg, #081120 0%, #0e2240 55%, #163055 100%);
  color: var(--ivory); padding: 58px 42px; margin-bottom: 50px;
  border: 1px solid var(--gold); position: relative; text-align: center;
}
.hero::before {
  content: ""; position: absolute; inset: 9px;
  border: 1px solid var(--gold-soft); pointer-events: none;
}
.hero h1 { color: var(--ivory); font-size: 2.0rem; margin-bottom: 16px; }
.hero p { color: #c4bca6; margin: 0 auto 28px; max-width: 640px; }
.hero-links { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; position: relative; }
.btn {
  display: inline-block; background: var(--gold); color: #081120;
  font-weight: 700; padding: 12px 26px; letter-spacing: 0.02em;
  border: 1px solid var(--gold); transition: filter .15s;
}
.btn:hover { text-decoration: none; filter: brightness(1.1); color: #081120; }
.btn-outline { background: transparent; color: var(--ivory); border: 1px solid var(--gold-soft); }
.btn-outline:hover { color: var(--gold-bright); border-color: var(--gold); }

/* 체크리스트 */
.check-section {
  background: var(--panel); border: 1px solid var(--line);
  border-top: 2px solid var(--gold); padding: 28px 30px;
}
.check-list { list-style: none; padding: 0; counter-reset: chk; max-width: none; }
.check-list li { padding: 11px 0 11px 40px; position: relative; border-bottom: 1px solid var(--line); }
.check-list li::before {
  counter-increment: chk; content: counter(chk);
  position: absolute; left: 0; top: 12px;
  width: 26px; height: 26px; line-height: 24px; text-align: center;
  border: 1px solid var(--gold); color: var(--gold-bright); border-radius: 50%;
  font-size: 0.8rem; font-weight: 700; font-family: var(--serif);
}
.check-list a { color: var(--text); }
.check-list a:hover { color: var(--gold-bright); }

/* 홈: 상황별 대출 */
.situ-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 16px;
}
.situ-col {
  background: var(--panel); border: 1px solid var(--line);
  border-top: 2px solid var(--gold-soft); padding: 18px 20px;
}
.situ-col h3 {
  font-family: var(--serif); font-size: 1rem; color: var(--gold-bright);
  margin-bottom: 9px; padding-bottom: 9px; border-bottom: 1px solid var(--line);
}
.situ-col ul { list-style: none; padding: 0; margin: 0; }
.situ-col li { margin: 0; padding: 4px 0; }
.situ-col a { color: var(--text); }
.situ-col a:hover { color: var(--gold-bright); }

/* 홈: 신청방식별 비교 */
.method-list { display: grid; gap: 11px; }
.method-item {
  background: var(--panel); border: 1px solid var(--line);
  border-left: 2px solid var(--gold); padding: 14px 19px;
}
.method-item strong { color: var(--ivory); font-family: var(--serif); font-size: 1.02rem; }
.method-item a:hover strong { color: var(--gold-bright); }
.method-item p { font-size: 0.92rem; color: var(--muted); margin: 4px 0 0; }

/* 홈: 가이드 링크 목록 */
.link-list { list-style: none; padding: 0; max-width: none; }
.link-list li { border-bottom: 1px solid var(--line); margin: 0; }
.link-list a { display: block; padding: 11px 2px; color: var(--text); }
.link-list a::before { content: "—"; color: var(--gold); margin-right: 10px; }
.link-list a:hover { color: var(--gold-bright); text-decoration: none; }

/* 홈: 신뢰 박스 */
.trust-box {
  background: linear-gradient(150deg, #0e2240, #11233c);
  color: var(--text);
  border: 1px solid var(--gold); padding: 28px 32px; position: relative;
}
.trust-box::before {
  content: ""; position: absolute; inset: 8px;
  border: 1px solid var(--gold-faint); pointer-events: none;
}
.trust-box h2 { color: var(--ivory); }
.trust-box ul { padding-left: 1.1em; margin-bottom: 16px; position: relative; }
.trust-links { font-size: 0.9rem; position: relative; }

/* 작성·검수 바이라인 */
.byline {
  font-size: 0.82rem; color: var(--muted);
  border-top: 1px solid var(--gold-faint); border-bottom: 1px solid var(--gold-faint);
  padding: 9px 2px; margin-bottom: 28px; letter-spacing: 0.01em;
}

/* 카드 그리드(촘촘한 버전) */
.card-grid-compact { grid-template-columns: repeat(auto-fill, minmax(205px, 1fr)); }
.card-grid-compact .card { padding: 14px 16px; }
.card-grid-compact .card h3 { font-size: 0.96rem; }
.card-grid-compact .card p { font-size: 0.82rem; }

/* 공식 참고 기관 */
.refs { border: 1px solid var(--gold-faint); padding: 20px 24px; background: var(--panel); }
.refs-list { list-style: none; padding: 0; margin: 0; max-width: none; }
.refs-list li { border-bottom: 1px solid var(--line); margin: 0; }
.refs-list li:last-child { border-bottom: 0; }
.refs-list a { display: block; padding: 9px 2px; }
.refs-list a::after { content: " ↗"; color: var(--muted); font-size: 0.8em; }

/* 광고 슬롯 — '광고' 라벨로 콘텐츠와 구분, min-height 예약으로 CLS 방지 */
.ad-slot { margin: 34px 0; }
.ad-label {
  display: block; font-size: 0.68rem; letter-spacing: 0.24em;
  color: var(--muted); margin-bottom: 6px; text-align: center;
}
.ad-slot .adsbygoogle {
  display: block; min-height: 280px;
  background: rgba(255, 255, 255, .02);
  border: 1px solid var(--line);
}
@media (max-width: 920px) {
  .ad-slot .adsbygoogle { min-height: 250px; }
}

/* 안내 박스 */
.notice {
  background: transparent; border: 1px solid var(--gold-soft);
  border-left: 2px solid var(--gold);
  padding: 15px 19px; font-size: 0.88rem; color: var(--muted); margin-top: 34px;
}
.notice p { margin: 0; max-width: none; }

/* ───── 푸터 ───── */
.site-footer {
  background: var(--bg-deep); color: var(--muted);
  border-top: 1px solid var(--gold-soft); margin-top: 40px;
}
.footer-inner { max-width: 900px; margin: 0 auto; padding: 36px 18px 44px; font-size: 0.85rem; }
.footer-disclaimer {
  border: 1px solid var(--gold-faint);
  padding: 16px 20px; margin-bottom: 18px;
}
.footer-disclaimer strong {
  color: var(--gold); display: block; margin-bottom: 7px;
  font-family: var(--serif); letter-spacing: 0.14em;
}
.footer-help { margin-bottom: 15px; }
.footer-links { margin-bottom: 15px; }
.footer-links a { color: #cfc8b4; }
.footer-links a:hover { color: var(--gold-bright); }
.copyright { color: #7a7361; }

/* ───── 반응형 ───── */
@media (max-width: 1023px) {
  /* 목차: 본문 상단의 접이식 박스로 전환 */
  .page-grid { display: block; }
  .toc { position: static; margin-bottom: 26px; }
  .toc-inner {
    border: 1px solid var(--gold-soft); border-left: 2px solid var(--gold);
    background: var(--panel); padding: 14px 18px;
  }
  .toc a { margin-left: 0; padding-left: 0; border-left: 0; display: inline-block; padding-right: 14px; }
  .toc ol { display: flex; flex-wrap: wrap; }
}

@media (max-width: 920px) {
  body { font-size: 16.5px; }
  .nav-toggle { display: block; }
  .main-nav { display: none; width: 100%; }
  .main-nav.open { display: block; }
  .nav-list { flex-direction: column; padding-bottom: 12px; }
  .nav-item > a { padding: 13px 8px; border-top: 1px solid var(--gold-faint); }
  .nav-item.active > a { box-shadow: none; }
  .nav-item { display: flex; flex-wrap: wrap; align-items: center; }
  .nav-item > a { flex: 1; }
  .sub-toggle {
    display: block; background: none; border: 0; color: var(--gold);
    font-size: 1rem; padding: 8px 14px; cursor: pointer;
  }
  .sub, .mega {
    position: static; transform: none; width: 100%; box-shadow: none;
    border: 0; background: var(--gold-faint); padding: 6px 0;
  }
  .nav-item.has-sub:hover .sub, .nav-item.has-mega:hover .mega { display: none; }
  .nav-item.open .sub { display: block; }
  .nav-item.open .mega { display: block; padding: 14px 18px; }
  .sub li a, .mega-col li a { color: var(--text); padding: 7px 18px; }
  .mega-col { min-width: 0; margin-bottom: 12px; }
  .mega-col li a { padding: 5px 0; }
  .hero { padding: 40px 22px; }
  .hero h1 { font-size: 1.5rem; }
  h1 { font-size: 1.52rem; }
}

/* 모션 최소화 선호 사용자 배려 */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .card, .card:hover { transition: none; transform: none; }
}