/* ========================================
   금융계산기.kr - 예적금 만기 수령액 계산기
   Design System & Global Styles
   ======================================== */

/* ===== CSS VARIABLES ===== */
:root {
  /* Primary Palette */
  --primary: #1a56e8;
  --primary-dark: #1340b8;
  --primary-light: #e8f0fe;
  --accent: #00c9a7;
  --accent-dark: #00a88a;

  /* Neutrals */
  --bg: #f4f6fb;
  --surface: #ffffff;
  --surface-2: #f8faff;
  --border: #e2e8f4;
  --border-focus: #1a56e8;

  /* Text */
  --text-primary: #0f172a;
  --text-secondary: #475569;
  --text-muted: #94a3b8;
  --text-inverse: #ffffff;

  /* Status */
  --success: #10b981;
  --warning: #f59e0b;
  --danger: #ef4444;

  /* Shadows */
  --shadow-sm: 0 1px 3px rgba(15, 23, 42, 0.08), 0 1px 2px rgba(15, 23, 42, 0.04);
  --shadow-md: 0 4px 16px rgba(15, 23, 42, 0.10), 0 2px 6px rgba(15, 23, 42, 0.06);
  --shadow-lg: 0 10px 40px rgba(15, 23, 42, 0.14), 0 4px 12px rgba(15, 23, 42, 0.08);

  /* Radii */
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;

  /* Transitions */
  --transition: 0.22s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  background: var(--bg);
  color: var(--text-primary);
  line-height: 1.7;
  font-size: 15px;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--primary); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--primary-dark); }

ul { list-style: none; }

.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 20px;
}

/* ===== HEADER ===== */
.site-header {
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--shadow-sm);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 800;
  font-size: 1.25rem;
  color: var(--text-primary);
}
.logo-icon { font-size: 1.5rem; }
.logo-accent { color: var(--primary); }

.header-nav {
  display: flex;
  gap: 4px;
}

.nav-link {
  padding: 6px 14px;
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--text-secondary);
  transition: all var(--transition);
}
.nav-link:hover, .nav-link.active {
  background: var(--primary-light);
  color: var(--primary);
}

/* ===== AD BANNER AREAS ===== */
.ad-banner-top, .ad-banner-middle, .ad-banner-bottom {
  background: var(--surface);
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
}
.ad-banner-middle { border-top: 1px solid var(--border); }

.ad-slot {
  display: flex;
  align-items: center;
  justify-content: center;
  background: #f1f5f9;
  border: 2px dashed #cbd5e1;
  border-radius: var(--radius-sm);
  color: var(--text-muted);
  font-size: 0.75rem;
  letter-spacing: 0.1em;
}
.ad-slot--horizontal { height: 90px; width: 100%; }
.ad-slot--sidebar { height: 260px; margin-bottom: 20px; }
.ad-placeholder-text { opacity: 0.6; }

/* ===== TOP DESCRIPTION ===== */
.top-description {
  background: linear-gradient(135deg, #1a56e8 0%, #0f3ba8 50%, #002a7e 100%);
  padding: 36px 0 32px;
  color: white;
}

.breadcrumb {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.65);
  margin-bottom: 12px;
}
.bc-sep { margin: 0 6px; }
.bc-current { color: rgba(255,255,255,0.9); }

.main-title {
  font-size: clamp(1.6rem, 4vw, 2.4rem);
  font-weight: 800;
  margin-bottom: 12px;
  line-height: 1.3;
}

.main-subtitle {
  font-size: 1rem;
  color: rgba(255,255,255,0.85);
  max-width: 640px;
  margin-bottom: 20px;
}
.main-subtitle strong { color: #7dd3fc; }

.top-desc-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.tag {
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.25);
  color: rgba(255,255,255,0.9);
  padding: 4px 12px;
  border-radius: 100px;
  font-size: 0.8rem;
  font-weight: 500;
  backdrop-filter: blur(4px);
}

/* ===== MAIN CONTENT GRID ===== */
.main-content { padding: 32px 0; }

.content-grid {
  display: grid;
  grid-template-columns: 1fr 300px;
  grid-template-areas: "calculator sidebar";
  gap: 28px;
  align-items: start;
}

.calculator-section { grid-area: calculator; }
.sidebar { grid-area: sidebar; }

/* ===== TAB SWITCHER ===== */
.tab-switcher {
  display: flex;
  gap: 8px;
  margin-bottom: 20px;
  background: var(--surface);
  padding: 6px;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
}

.tab-btn {
  flex: 1;
  padding: 12px 16px;
  border: none;
  border-radius: var(--radius-sm);
  font-family: inherit;
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  background: transparent;
  color: var(--text-secondary);
  transition: all var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
}

.tab-btn.active {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: white;
  box-shadow: 0 4px 12px rgba(26, 86, 232, 0.35);
}

.tab-btn:not(.active):hover {
  background: var(--primary-light);
  color: var(--primary);
}

/* ===== TAB PANELS ===== */
.tab-panel { display: none; }
.tab-panel.active { display: block; animation: fadeSlideIn 0.3s ease; }

@keyframes fadeSlideIn {
  from { opacity: 0; transform: translateY(12px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* ===== CALCULATOR CARD ===== */
.calc-card {
  background: var(--surface);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border);
  margin-bottom: 20px;
}

.calc-card-title {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 6px;
}
.calc-card-desc {
  color: var(--text-secondary);
  font-size: 0.9rem;
  margin-bottom: 28px;
}
.calc-card-desc strong { color: var(--primary); }

/* ===== FORM ===== */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 28px;
}

.form-group { display: flex; flex-direction: column; gap: 6px; }

.form-label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-secondary);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.input-wrap {
  position: relative;
  display: flex;
  align-items: center;
}

.form-input {
  width: 100%;
  padding: 13px 52px 13px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: inherit;
  font-size: 1rem;
  font-weight: 600;
  color: var(--text-primary);
  background: var(--surface-2);
  transition: all var(--transition);
  outline: none;
  appearance: textfield;
  -moz-appearance: textfield;
}
.form-input::-webkit-outer-spin-button,
.form-input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }

.form-input:focus {
  border-color: var(--primary);
  background: white;
  box-shadow: 0 0 0 3px rgba(26, 86, 232, 0.12);
}
.form-input.error { border-color: var(--danger); }
.form-input.error:focus { box-shadow: 0 0 0 3px rgba(239, 68, 68, 0.12); }

.input-unit {
  position: absolute;
  right: 14px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text-muted);
  pointer-events: none;
}

.form-hint {
  font-size: 0.78rem;
  color: var(--text-muted);
  min-height: 16px;
}
.form-hint.formatted { color: var(--primary); font-weight: 500; }
.form-hint.error-hint { color: var(--danger); }

/* ===== RADIO GROUPS ===== */
.radio-group {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.radio-label {
  display: flex;
  align-items: center;
  gap: 7px;
  cursor: pointer;
  font-size: 0.9rem;
  color: var(--text-secondary);
  padding: 8px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  transition: all var(--transition);
  user-select: none;
}
.radio-label:hover { border-color: var(--primary); color: var(--primary); background: var(--primary-light); }

.radio-label input[type="radio"] { display: none; }

.radio-label:has(input:checked) {
  border-color: var(--primary);
  background: var(--primary-light);
  color: var(--primary);
  font-weight: 600;
}

.radio-custom {
  width: 16px; height: 16px;
  border: 2px solid #cbd5e1;
  border-radius: 50%;
  flex-shrink: 0;
  transition: all var(--transition);
  position: relative;
}
.radio-label:has(input:checked) .radio-custom {
  border-color: var(--primary);
  background: var(--primary);
  box-shadow: inset 0 0 0 3px white;
}

/* ===== CALCULATE BUTTON ===== */
.calc-btn {
  width: 100%;
  padding: 16px 24px;
  background: linear-gradient(135deg, var(--primary) 0%, #0f3ba8 100%);
  color: white;
  border: none;
  border-radius: var(--radius-md);
  font-family: inherit;
  font-size: 1.05rem;
  font-weight: 700;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  transition: all var(--transition);
  box-shadow: 0 4px 16px rgba(26, 86, 232, 0.4);
  letter-spacing: 0.02em;
}
.calc-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(26, 86, 232, 0.5);
}
.calc-btn:active { transform: translateY(0); }
.btn-icon { font-size: 1.1rem; }

/* ===== RESULT CARD ===== */
.result-card {
  background: var(--surface);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-lg);
  border: 2px solid var(--primary);
  animation: fadeSlideIn 0.4s ease;
}

.result-title {
  font-size: 1.2rem;
  font-weight: 700;
  margin-bottom: 20px;
  color: var(--text-primary);
}

/* Summary highlight box */
.result-summary-box {
  background: linear-gradient(135deg, var(--primary) 0%, #0f3ba8 100%);
  border-radius: var(--radius-md);
  padding: 24px;
  color: white;
  margin-bottom: 20px;
  text-align: center;
}
.summary-label { font-size: 0.85rem; opacity: 0.8; margin-bottom: 4px; }
.summary-amount {
  font-size: clamp(1.8rem, 5vw, 2.6rem);
  font-weight: 800;
  line-height: 1.2;
}
.summary-sub { font-size: 0.85rem; opacity: 0.75; margin-top: 8px; }

/* Result Grid */
.result-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 24px;
}

.result-item {
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 14px 16px;
}
.result-item-label {
  font-size: 0.78rem;
  color: var(--text-muted);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 4px;
}
.result-item-value {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text-primary);
}
.result-item-value.positive { color: var(--success); }
.result-item-value.negative { color: var(--danger); }
.result-item-value.accent { color: var(--primary); }
.result-item-value.large {
  font-size: 1.3rem;
  color: var(--accent-dark);
}

/* Chart */
.chart-wrap {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 28px;
  padding: 16px 0;
  flex-wrap: wrap;
}

.chart-wrap canvas { max-width: 200px; max-height: 200px; }

.chart-legend {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.legend-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.85rem;
}
.legend-dot {
  width: 14px; height: 14px;
  border-radius: 4px;
  flex-shrink: 0;
}
.legend-info { display: flex; flex-direction: column; }
.legend-label { font-weight: 600; color: var(--text-secondary); }
.legend-val { font-weight: 700; color: var(--text-primary); }

.result-notice {
  font-size: 0.78rem;
  color: var(--text-muted);
  background: #f8faff;
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  border-left: 3px solid var(--border);
  margin-top: 16px;
}

/* ===== SIDEBAR ===== */
.sidebar { display: flex; flex-direction: column; gap: 0; }

.sidebar-widget {
  background: var(--surface);
  border-radius: var(--radius-md);
  padding: 20px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  margin-bottom: 18px;
}

.widget-title {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--primary-light);
}

/* Sidebar links */
.sidebar-links { display: flex; flex-direction: column; gap: 4px; }

.sidebar-link {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 12px;
  border-radius: var(--radius-sm);
  color: var(--text-secondary);
  font-size: 0.875rem;
  transition: all var(--transition);
  border: 1px solid transparent;
}
.sidebar-link:hover {
  background: var(--primary-light);
  color: var(--primary);
  border-color: rgba(26,86,232,0.15);
  transform: translateX(4px);
}
.sidebar-link.active-link {
  background: var(--primary-light);
  color: var(--primary);
  border-color: rgba(26,86,232,0.2);
  font-weight: 600;
  cursor: default;
}
.link-icon { font-size: 1.1rem; flex-shrink: 0; }
.link-info { display: flex; flex-direction: column; line-height: 1.3; }
.link-info strong { font-weight: 600; }
.link-info small { font-size: 0.73rem; color: var(--text-muted); }

/* Tax table */
.tax-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.85rem;
}
.tax-table th, .tax-table td {
  padding: 8px 10px;
  text-align: left;
  border-bottom: 1px solid var(--border);
}
.tax-table th {
  background: var(--surface-2);
  font-weight: 700;
  font-size: 0.78rem;
  color: var(--text-muted);
  text-transform: uppercase;
}
.tax-rate { font-weight: 700; color: var(--danger); }
.tax-rate.preferred { color: var(--warning); }
.tax-rate.exempt { color: var(--success); }

/* Rate info */
.rate-info-box { display: flex; flex-direction: column; gap: 8px; margin-bottom: 10px; }
.rate-item { display: flex; justify-content: space-between; align-items: center; }
.rate-label { font-size: 0.83rem; color: var(--text-secondary); }
.rate-value {
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--primary);
  background: var(--primary-light);
  padding: 2px 10px;
  border-radius: 100px;
}
.rate-value.small { font-size: 0.78rem; }

.widget-note {
  font-size: 0.73rem;
  color: var(--text-muted);
  margin-top: 10px;
  line-height: 1.5;
}

/* ===== BOTTOM DESCRIPTION ===== */
.bottom-description {
  background: var(--surface);
  padding: 52px 0;
  border-top: 1px solid var(--border);
}

.info-section {
  margin-bottom: 44px;
}
.info-section:last-child { margin-bottom: 0; }

.info-section > h2 {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 20px;
  padding-bottom: 10px;
  border-bottom: 3px solid var(--primary);
  display: inline-block;
}

.info-section > p {
  color: var(--text-secondary);
  margin-bottom: 14px;
  max-width: 780px;
}

.info-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.info-card {
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 24px;
}
.info-card h3 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 10px;
  color: var(--text-primary);
}
.info-card p {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.7;
}

.formula-box {
  background: var(--text-primary);
  border-radius: var(--radius-sm);
  padding: 16px;
  margin-top: 12px;
}
.formula-box p { color: rgba(255,255,255,0.7); font-size: 0.8rem; margin-bottom: 4px; margin-top: 0;}
.formula-box code {
  display: block;
  color: #7dd3fc;
  font-size: 0.82rem;
  font-family: 'Consolas', monospace;
  line-height: 1.6;
}
.formula-note { color: rgba(255,255,255,0.5) !important; font-size: 0.75rem !important; margin-top: 4px !important; }
.mt-8 { margin-top: 10px !important; }

.tax-example-box {
  background: var(--primary-light);
  border: 1px solid rgba(26,86,232,0.2);
  border-radius: var(--radius-sm);
  padding: 18px 20px;
  margin: 16px 0;
}
.tax-example-box h4 {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 10px;
}
.tax-example-box ul {
  display: flex;
  flex-direction: column;
  gap: 5px;
}
.tax-example-box li {
  font-size: 0.88rem;
  color: var(--text-secondary);
  padding-left: 8px;
}
.tax-example-box li strong { color: var(--primary-dark); }

.benefit-list {
  display: flex; flex-direction: column; gap: 8px;
  padding-left: 20px;
  list-style: disc;
}
.benefit-list li {
  font-size: 0.9rem;
  color: var(--text-secondary);
}

/* FAQ */
.faq-list { display: flex; flex-direction: column; gap: 10px; }

.faq-item {
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  overflow: hidden;
}

.faq-item summary {
  padding: 16px 20px;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--text-primary);
  display: flex;
  justify-content: space-between;
  align-items: center;
  list-style: none;
  transition: background var(--transition);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-size: 1.3rem;
  color: var(--primary);
  flex-shrink: 0;
  margin-left: 12px;
  transition: transform var(--transition);
}
.faq-item[open] summary::after { content: '−'; }
.faq-item summary:hover { background: var(--primary-light); }

.faq-item p {
  padding: 0 20px 16px;
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.7;
  border-top: 1px solid var(--border);
  padding-top: 12px;
}

/* ===== FOOTER ===== */
.ad-banner-bottom { border-bottom: none; border-top: 1px solid var(--border); }

.site-footer {
  background: var(--text-primary);
  color: rgba(255,255,255,0.6);
  padding: 36px 0;
}

.footer-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  text-align: center;
}

.footer-logo {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 1.1rem;
  font-weight: 800;
  color: white;
}
.footer-logo .logo-accent { color: #7dd3fc; }

.footer-links {
  display: flex;
  gap: 20px;
}
.footer-links a {
  color: rgba(255,255,255,0.55);
  font-size: 0.85rem;
  transition: color var(--transition);
}
.footer-links a:hover { color: white; }

.footer-disclaimer {
  font-size: 0.78rem;
  max-width: 620px;
  line-height: 1.6;
}
.footer-copy {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.3);
}

/* ===== RESPONSIVE ===== */
@media (max-width: 900px) {
  .content-grid {
    grid-template-columns: 1fr;
    grid-template-areas:
      "calculator"
      "sidebar";
  }
  .sidebar {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
  }
  .ad-slot--sidebar { display: none; }
  .info-grid { grid-template-columns: 1fr; }
}

@media (max-width: 640px) {
  .header-nav { display: none; }
  .form-grid { grid-template-columns: 1fr; }
  .result-grid { grid-template-columns: 1fr; }
  .calc-card { padding: 20px; }
  .result-card { padding: 20px; }
  .sidebar { display: flex; flex-direction: column; }
  .tab-btn { font-size: 0.85rem; padding: 10px 10px; }
  .top-description { padding: 24px 0; }
  .bottom-description { padding: 32px 0; }
}