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.fm-minus{color:var(--warn);font-weight:800;margin:0 2px}.fm-list{margin:12px 0 0;padding-left:0;list-style:none;display:grid;gap:6px}.fm-list li{font-size:12.5px;color:var(--muted);padding-left:16px;position:relative;line-height:1.5}.fm-list li::before{content:"·";position:absolute;left:4px;color:var(--accent);font-weight:800}.fm-list b{color:var(--accent-ink)}.apt-grid{display:grid;grid-template-columns:auto 1fr;gap:5px 10px;margin-top:12px;font-size:12.5px}.apt-grid span{color:var(--muted)}.apt-grid b{text-align:right;font-variant-numeric:tabular-nums;font-weight:700;letter-spacing:-0.02em}.apt-result{margin-top:12px;padding-top:10px;border-top:1px solid var(--line);font-size:14px;font-weight:800}.apt-result.ok{color:var(--ok)}.apt-result.no{color:var(--warn)}.empty{grid-column:1 / -1;text-align:center;color:var(--muted);padding:40px;font-size:14px}.region-tag{display:inline-block;font-size:12px;font-weight:700;padding:3px 10px;border-radius:999px;vertical-align:middle}.region-tag.regulated{background:var(--warn-soft);color:var(--warn)}.region-tag.metro{background:var(--accent-soft);color:var(--accent-ink)}.region-tag.local{background:var(--ok-soft);color:var(--ok)}.btn{background:var(--accent);color:#fff;border:none;padding:0 26px;border-radius:var(--r-sm);font-size:15px;font-weight:700;cursor:pointer;height:50px;transition:.15s}.btn:hover{background:var(--accent-ink)}.find-summary{margin:24px 0 16px;font-size:14.5px;color:var(--muted)}.find-summary b{color:var(--accent-ink);font-size:19px;font-weight:800}.find-results{display:grid;grid-template-columns:repeat(auto-fill,minmax(256px,1fr));gap:16px;padding-bottom:60px}.apt{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);padding:20px;box-shadow:var(--sh-1);position:relative;transition:.15s}.apt:hover{box-shadow:var(--sh-pop);transform:translateY(-2px)}.apt.buyable{border-color:#9be3c6}.apt.no{opacity:.68}.apt h3{margin:0 0 4px;font-size:16px;font-weight:700;letter-spacing:-0.02em}.apt .meta{font-size:12.5px;color:var(--muted);margin-bottom:14px}.apt .price{font-size:23px;font-weight:800;letter-spacing:-0.04em}.apt .dl{font-size:13px;color:var(--muted);margin-top:12px;line-height:1.7}.badge{position:absolute;top:16px;right:16px;font-size:11px;font-weight:800;padding:5px 11px;border-radius:999px}.badge.yes{background:var(--ok-soft);color:var(--ok)}.badge.no{background:var(--warn-soft);color:var(--warn)}.foot{padding:20px 0 48px}.foot p{color:var(--faint);font-size:12.5px;line-height:1.6}.copyright{margin-top:10px;padding-top:12px;border-top:1px solid var(--line);color:var(--muted)}.copyright b{color:var(--ink-2);font-weight:700}.copyright a{color:var(--accent);text-decoration:none}.copyright a:hover{text-decoration:underline}.legal{margin-top:12px;padding-top:14px;border-top:1px solid var(--line)}.legal p{color:var(--faint);font-size:11.5px;line-height:1.65;margin:0 0 6px}.legal .legal-copy{font-size:13px;font-weight:700;color:var(--ink-2);margin-bottom:8px}.legal b{color:var(--ink-2);font-weight:700}.legal a{color:var(--accent);text-decoration:none}.legal a:hover{text-decoration:underline}.legal .legal-contact{margin-top:8px;color:var(--muted);font-weight:600}.borrow-row{display:grid;grid-template-columns:1fr 1.2fr auto;gap:8px;align-items:center;margin-bottom:8px}
@media (max-width:560px){.borrow-row{grid-template-columns:6.2em 1fr auto;gap:6px}.borrow-row .borrow-name{padding:11px 8px;font-size:13px}.borrow-row .unit input{padding-right:42px;font-size:14px}.borrow-row .unit span{right:9px;font-size:11.5px}.borrow-del{width:32px;height:42px;font-size:18px}}.borrow-row .borrow-name{background:var(--surface-2);border:1.5px solid transparent;border-radius:var(--r-sm);padding:11px 12px;font-size:14px;font-weight:600;color:var(--ink);outline:none}.borrow-row .borrow-name:focus{background:var(--surface);border-color:var(--accent);box-shadow:0 0 0 4px var(--accent-soft)}.borrow-row .unit input{margin-top:0}.borrow-del{width:38px;height:42px;border:none;background:var(--surface-2);color:var(--warn);border-radius:var(--r-sm);font-size:20px;font-weight:700;cursor:pointer;line-height:1}.borrow-del:hover{background:var(--warn-soft)}#borrowNotes .note{margin-top:8px}.mobile-note{display:none}@media (max-width:960px){.mobile-note{display:block;margin:12px 16px 0;padding:12px 14px;background:var(--accent-soft);color:var(--accent-ink);border-radius:var(--r-sm);font-size:13px;font-weight:600;line-height:1.5}.mobile-note b{font-weight:800}}@media (max-width:960px){.side-sticky{position:static}.hero{margin-top:12px;padding:18px 24px}.hero-stats{width:100%}.hero-stats .stat{flex:1 1 30%;min-width:92px}}@media (max-width:560px){.wrap{padding:0 16px}.hero{gap:16px}.hero-amount{font-size:34px}.hero-stats .stat{flex:1 1 100%}.brand{font-size:14px;white-space:nowrap}.topbar-inner{height:auto;flex-wrap:wrap;gap:8px;padding:10px 0}.topbar-right{width:100%;justify-content:space-between;gap:8px}.visitor-chip{font-size:11px;padding:5px 10px}.topnav{gap:2px}.navlink{padding:6px 10px;font-size:12px}.card{padding:18px 16px}.grid2{grid-template-columns:1fr}}
/* ============================================================
   UI ENHANCEMENTS · icons · professional polish · dark mode
   ============================================================ */
:root{--violet:#7c5cff;--violet-soft:#efeaff;--rose:#f4568b;--rose-soft:#ffe9f1}

/* smooth theme transition */
body,.topbar,.card,.hero,.hero-sticky,.stat,.tipbox,.theme-toggle,.chip,.seg,.seg-btn,.navlink,.interim-bar,.visitor-chip,input,select,textarea{transition:background-color .25s ease,border-color .25s ease,color .25s ease,box-shadow .2s ease}

/* ---- icon badges on card titles ---- */
.tbadge{display:inline-flex;align-items:center;justify-content:center;width:32px;height:32px;border-radius:10px;background:var(--accent-soft);color:var(--accent);flex:none;box-shadow:inset 0 0 0 1px rgba(49,130,246,.06)}
.tbadge svg{width:19px;height:19px;stroke:currentColor;fill:none}
.tb-blue{background:var(--accent-soft);color:var(--accent)}
.tb-green{background:var(--ok-soft);color:var(--ok)}
.tb-amber{background:var(--amber-soft);color:var(--amber)}
.tb-violet{background:var(--violet-soft);color:var(--violet)}
.tb-rose{background:var(--rose-soft);color:var(--rose)}
.card-title{gap:11px}

/* ---- brand mark ---- */
.brand{display:inline-flex;align-items:center;gap:9px}
.b-ico{display:inline-flex;align-items:center;justify-content:center;width:32px;height:32px;border-radius:10px;background:linear-gradient(135deg,var(--accent),var(--accent-ink));box-shadow:0 3px 10px rgba(49,130,246,.32);flex:none}
.b-ico svg{width:19px;height:19px;stroke:#fff;fill:none}

/* ---- nav links with icons ---- */
.navlink{display:inline-flex;align-items:center;gap:6px}
.navlink svg{width:15px;height:15px;stroke:currentColor;fill:none}

/* ---- hero stat icons ---- */
.s-k{display:flex;align-items:center;gap:5px}
.s-k svg{width:13px;height:13px;stroke:currentColor;fill:none;opacity:.6;flex:none}
.repay-stat .s-k{align-items:center}

/* ---- theme toggle ---- */
.theme-toggle{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:999px;border:1px solid var(--line);background:var(--surface-2);color:var(--ink-2);cursor:pointer;flex:none;padding:0}
.theme-toggle:hover{background:var(--surface);color:var(--ink);box-shadow:var(--sh-1)}
.theme-toggle:active{transform:scale(.94)}
.theme-toggle svg{width:19px;height:19px;stroke:currentColor;fill:none}
.theme-toggle .ic-sun{display:none}
.theme-toggle .ic-moon{display:block}
:root[data-theme="dark"] .theme-toggle .ic-sun{display:block}
:root[data-theme="dark"] .theme-toggle .ic-moon{display:none}

/* subtle professional lift on hero */
.hero{box-shadow:0 4px 20px rgba(17,24,39,.06),inset 0 1px 0 rgba(255,255,255,.6)}

/* ============================================================
   DARK MODE
   ============================================================ */
:root[data-theme="dark"]{
  --bg:#0e1116;--surface:#161a20;--surface-2:#1e242c;
  --ink:#e8ecf1;--ink-2:#c4ccd6;--muted:#8a94a1;--faint:#646e7a;
  --line:#262c35;--line-2:#1f242b;
  --accent:#4d92ff;--accent-ink:#84b4ff;--accent-soft:#182742;
  --ok:#20c78e;--ok-soft:#122a20;--warn:#ff5c6a;--warn-soft:#2c161a;
  --amber:#e0a13a;--amber-soft:#2b2113;
  --violet:#9d86ff;--violet-soft:#221d3a;--rose:#f56a97;--rose-soft:#2e1622;
  --sh-1:0 1px 3px rgba(0,0,0,.4);--sh-2:0 2px 10px rgba(0,0,0,.45);--sh-pop:0 14px 34px rgba(0,0,0,.62);
  color-scheme:dark;
}
:root[data-theme="dark"] .topbar{background:rgba(18,22,27,.88);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px)}
:root[data-theme="dark"] .hero{background:linear-gradient(135deg,#181d25 0%,#141b2b 100%);border-color:var(--line);box-shadow:0 6px 22px rgba(0,0,0,.4)}
:root[data-theme="dark"] input:hover,:root[data-theme="dark"] select:hover,:root[data-theme="dark"] .chip:hover{background:#252c36}
:root[data-theme="dark"] .switch .track{background:#3a424c}
:root[data-theme="dark"] .switch .track::after{background:#e8ecf1}
:root[data-theme="dark"] .interim-bar{background:linear-gradient(90deg,#2a2113,#231c10);border-color:#3a2e15}
:root[data-theme="dark"] .switch-row{color:#e3ba79}
:root[data-theme="dark"] .switch-row .sub{color:#c39a55}
:root[data-theme="dark"] .hr-chip.hr-region{border-color:#2b4066}
:root[data-theme="dark"] .hr-chip.hr-warn{border-color:#5a2b30}
:root[data-theme="dark"] .chip:has(input:checked){border-color:#2b4066}
:root[data-theme="dark"] .mini-btn:hover{background:#20304d}
:root[data-theme="dark"] .tipbox{background:#2a323c}
:root[data-theme="dark"] .tipbox::after{border-top-color:#2a323c}
:root[data-theme="dark"] .formula-card{background:linear-gradient(135deg,#171f2e,#141a20);border-color:#243450}
:root[data-theme="dark"] .apt.buyable{border-color:#1f5c44}
:root[data-theme="dark"] .row.total,:root[data-theme="dark"] .ic-total{border-color:#39414b}
:root[data-theme="dark"] .note.free{color:var(--ok)}
:root[data-theme="dark"] .tbadge{box-shadow:none}
:root[data-theme="dark"] select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%23646e7a' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E")}
:root[data-theme="dark"] .hero{box-shadow:0 6px 22px rgba(0,0,0,.4)}
:root[data-theme="dark"] .b-ico{box-shadow:0 3px 12px rgba(77,146,255,.28)}

/* finder heading icon + naver button */
.finder-head h1{display:flex;align-items:center;gap:11px}
.fh-ico{width:34px;height:34px}
.fh-ico svg{width:20px;height:20px}
.naver-btn{display:inline-flex;align-items:center;justify-content:center}
.naver-btn svg{stroke:#fff;fill:none}
@media (max-width:560px){.finder-head h1{font-size:21px}.fh-ico{width:30px;height:30px}.theme-toggle{width:34px;height:34px}}

/* ============================================================
   FEEDBACK · help button + modal
   ============================================================ */
.icon-btn{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:999px;border:1px solid var(--line);background:var(--surface-2);color:var(--ink-2);cursor:pointer;flex:none;padding:0}
.icon-btn:hover{background:var(--surface);color:var(--ink);box-shadow:var(--sh-1)}
.icon-btn:active{transform:scale(.94)}
.icon-btn svg{width:19px;height:19px;stroke:currentColor;fill:none}
@media (max-width:560px){.icon-btn{width:34px;height:34px}}

body.modal-open{overflow:hidden}
.modal-overlay{position:fixed;inset:0;z-index:100;display:flex;align-items:center;justify-content:center;padding:20px;background:rgba(17,24,39,.5);backdrop-filter:blur(3px);-webkit-backdrop-filter:blur(3px);animation:fbFade .16s ease}
:root[data-theme="dark"] .modal-overlay{background:rgba(0,0,0,.62)}
.modal-overlay[hidden]{display:none}
@keyframes fbFade{from{opacity:0}to{opacity:1}}
.modal{position:relative;width:100%;max-width:460px;max-height:calc(100vh - 40px);overflow-y:auto;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh-pop);padding:26px 24px 24px;animation:fbPop .2s cubic-bezier(.2,.8,.3,1)}
@keyframes fbPop{from{opacity:0;transform:translateY(12px) scale(.98)}to{opacity:1;transform:none}}
.modal-close{position:absolute;top:14px;right:14px;width:34px;height:34px;border:none;background:var(--surface-2);color:var(--muted);border-radius:999px;cursor:pointer;display:inline-flex;align-items:center;justify-content:center;font-size:0}
.modal-close:hover{background:var(--warn-soft);color:var(--warn)}
.modal-close svg{width:18px;height:18px;stroke:currentColor;fill:none}
.modal-title{display:flex;align-items:center;gap:10px;margin:0 34px 6px 0;font-size:18px;font-weight:800;letter-spacing:-0.02em}
.modal-title .tbadge{width:34px;height:34px}
.modal-desc{margin:0 0 18px;font-size:13.5px;color:var(--muted);line-height:1.55}
#fbForm .fld{margin-bottom:14px}
#fbForm textarea{width:100%;background:var(--surface-2);border:1.5px solid transparent;color:var(--ink);border-radius:var(--r-sm);padding:12px 14px;font-size:14.5px;font-weight:500;margin-top:6px;outline:none;transition:.15s;resize:vertical;min-height:96px;font-family:inherit;line-height:1.5}
#fbForm textarea:hover{background:#eef1f4}
:root[data-theme="dark"] #fbForm textarea:hover{background:#252c36}
#fbForm textarea:focus{background:var(--surface);border-color:var(--accent);box-shadow:0 0 0 4px var(--accent-soft)}
#fbForm input[type="email"]{margin-top:6px}
.fb-honey{position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none}
.fb-status{margin:2px 0 12px;padding:11px 13px;border-radius:var(--r-sm);font-size:13px;font-weight:600;line-height:1.5}
.fb-status[hidden]{display:none}
.fb-status.ok{background:var(--ok-soft);color:var(--ok)}
.fb-status.err{background:var(--warn-soft);color:var(--warn)}
.fb-status.info{background:var(--accent-soft);color:var(--accent-ink)}
.fb-status a{color:inherit;font-weight:800;text-decoration:underline}
.fb-submit{width:100%;height:48px;margin-top:2px}
#fbForm input[type="email"]{width:100%;background:var(--surface-2);border:1.5px solid transparent;color:var(--ink);border-radius:var(--r-sm);padding:12px 14px;font-size:14.5px;font-weight:600;outline:none;transition:.15s}
#fbForm input[type="email"]:hover{background:#eef1f4}
:root[data-theme="dark"] #fbForm input[type="email"]:hover{background:#252c36}
#fbForm input[type="email"]:focus{background:var(--surface);border-color:var(--accent);box-shadow:0 0 0 4px var(--accent-soft)}
#fbForm input[type="email"]::placeholder{color:var(--faint);font-weight:500}

/* mortgage constraint reason note */
.constraint-why{font-size:11.5px;line-height:1.6;color:var(--muted);background:var(--surface-2);border-radius:10px;padding:9px 12px;margin:3px 0 6px}
.constraint-why b{color:var(--accent-ink);font-weight:700}

/* ============================================================
   PC-VIEW toggle (mobile "desktop view")
   ============================================================ */
.mobile-note{align-items:center;justify-content:space-between;gap:10px 14px;flex-wrap:wrap}
.mobile-note .mn-text{flex:1 1 auto;min-width:180px}
@media (max-width:960px){ .mobile-note{display:flex} }
/* keep the note (with its toggle) visible even after switching to PC view */
html[data-view="pc"] .mobile-note{display:flex !important;justify-content:center;margin:12px 16px 0;padding:10px 14px;background:var(--accent-soft);color:var(--accent-ink);border-radius:var(--r-sm);font-size:13px;font-weight:600}
html[data-view="pc"] .mobile-note .mn-text{display:none}
.pcview-btn{flex:none;display:inline-flex;align-items:center;gap:6px;background:var(--accent);color:#fff;border:none;border-radius:999px;padding:9px 15px;font-size:13px;font-weight:700;cursor:pointer;white-space:nowrap;box-shadow:0 3px 10px rgba(49,130,246,.28);font-family:inherit;letter-spacing:-0.01em}
.pcview-btn:hover{background:var(--accent-ink)}
.pcview-btn:active{transform:scale(.96)}

/* ============================================================
   GUIDES · hub + article (prose)
   ============================================================ */
.guide-hero{padding:30px 0 8px;max-width:900px;margin:0 auto}
.guide-hero h1{font-size:28px;font-weight:800;letter-spacing:-0.03em;margin:0 0 8px;display:flex;align-items:center;gap:12px}
.guide-hero p{color:var(--muted);font-size:15px;line-height:1.6;margin:0}
.guide-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:16px;max-width:900px;margin:20px auto 0;padding-bottom:56px}
.gcard{display:block;text-decoration:none;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--sh-1);transition:.16s}
.gcard:hover{box-shadow:var(--sh-pop);transform:translateY(-2px)}
.gcard .gc-ico{width:42px;height:42px;border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.gcard .gc-ico svg{width:23px;height:23px;stroke:currentColor;fill:none}
.gcard h2{font-size:17px;font-weight:800;letter-spacing:-0.02em;margin:0 0 7px;color:var(--ink)}
.gcard p{font-size:13.5px;color:var(--muted);line-height:1.6;margin:0}
.gcard .gc-more{margin-top:14px;font-size:13px;font-weight:700;color:var(--accent);display:inline-flex;align-items:center;gap:5px}

.article{max-width:820px;margin:0 auto}
.article-head{padding:26px 0 4px}
.article-head .cat{display:inline-block;font-size:12.5px;font-weight:800;color:var(--accent-ink);background:var(--accent-soft);border:1px solid #cdddff;padding:5px 12px;border-radius:999px;margin-bottom:14px}
.article-head h1{font-size:28px;font-weight:800;letter-spacing:-0.035em;line-height:1.25;margin:0 0 10px}
.article-head .meta{font-size:13px;color:var(--faint);font-weight:600}
.prose{padding:6px 0 8px}
.prose p{font-size:15px;color:var(--ink-2);line-height:1.8;margin:0 0 14px}
.prose h2{font-size:20px;font-weight:800;letter-spacing:-0.02em;margin:30px 0 12px;padding-top:22px;border-top:1px solid var(--line-2)}
.prose h3{font-size:16px;font-weight:700;margin:20px 0 8px;color:var(--ink)}
.prose ul,.prose ol{margin:0 0 16px;padding-left:0;list-style:none;display:flex;flex-direction:column;gap:9px}
.prose li{font-size:15px;color:var(--ink-2);line-height:1.75;padding-left:20px;position:relative}
.prose ul li::before{content:"";position:absolute;left:4px;top:11px;width:6px;height:6px;border-radius:50%;background:var(--accent)}
.prose ol{counter-reset:li}
.prose ol li{counter-increment:li}
.prose ol li::before{content:counter(li);position:absolute;left:0;top:1px;width:20px;height:20px;font-size:11px;font-weight:800;color:#fff;background:var(--accent);border-radius:50%;display:flex;align-items:center;justify-content:center}
.prose b{font-weight:700;color:var(--ink)}
.prose a{color:var(--accent);text-decoration:none}.prose a:hover{text-decoration:underline}
.prose .callout{background:var(--accent-soft);border-radius:var(--r-sm);padding:14px 16px;font-size:14px;color:var(--accent-ink);line-height:1.7;margin:16px 0}
.prose .callout b{color:var(--accent-ink)}
.prose .warn-box{background:var(--amber-soft);border-radius:var(--r-sm);padding:14px 16px;font-size:13.5px;color:var(--amber);line-height:1.7;margin:16px 0}
.prose table{width:100%;border-collapse:collapse;margin:8px 0 18px;font-size:14px}
.prose th,.prose td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top;line-height:1.6}
.prose th{background:var(--surface-2);font-weight:700;color:var(--ink);white-space:nowrap}
.prose td{color:var(--ink-2)}
.article-cta{margin:26px 0 8px;padding:20px 22px;background:linear-gradient(135deg,var(--accent-soft),var(--surface));border:1px solid #cdddff;border-radius:var(--r);display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap}
.article-cta .t{font-size:15.5px;font-weight:800;color:var(--ink);letter-spacing:-0.02em}
.article-cta .s{font-size:13px;color:var(--muted);font-weight:600;margin-top:3px}
.article-cta .btn{height:46px;display:inline-flex;align-items:center;text-decoration:none;white-space:nowrap}
.article-nav{display:flex;gap:12px;flex-wrap:wrap;max-width:820px;margin:0 auto;padding:6px 0 50px}
.article-nav a{flex:1 1 auto;min-width:200px;text-decoration:none;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);padding:14px 16px;font-size:14px;font-weight:700;color:var(--ink-2);box-shadow:var(--sh-1);transition:.15s}
.article-nav a:hover{color:var(--accent-ink);box-shadow:var(--sh-2)}
.article-nav a small{display:block;font-size:11.5px;color:var(--faint);font-weight:600;margin-bottom:3px}
:root[data-theme="dark"] .article-head .cat,:root[data-theme="dark"] .article-cta{border-color:#2b4066}

/* ============================================================
   MOBILE UI 개선 · 버그 수정 · 폴리시
   ============================================================ */
/* [버그] 아티클 CTA 버튼: .prose a(파랑)가 흰 글자를 덮어 글자가 안 보이던 문제 */
.article-cta .btn,.article-cta .btn:hover,.prose a.btn{color:#fff}
.article-cta .t::before{content:"🧮 "}
.naver-btn,.prose a.naver-btn{color:#fff}

/* navlink 글자 세로 쪼개짐 방지 */
.navlink{white-space:nowrap}

/* 월 상환금 접기/펼치기 헤더: 데스크톱에서는 평범한 라벨처럼 보이도록 버튼 스타일 리셋
   (모바일 전용 인터랙션은 herofit.js + @media(max-width:560px) 규칙에서 활성화) */
.repay-head{all:unset;display:flex;align-items:center;justify-content:space-between;width:100%;cursor:default}
.repay-head-right{display:none}
.repay-chevron{width:14px;height:14px}
.repay-body{display:block}

/* [모바일] 조회수·문의·다크모드 버튼을 "아파트 매수 계산기" 브랜드와 같은 줄
   우측에 배치하고, 네비만 전용 스크롤 행으로 분리해 상단 고정영역 높이를 줄임
   (visitor chip + feedback 버튼이 있는 index/finder 에만 적용).
   topbar-right는 display:contents로 박스를 없애 자식들이 topbar-inner의
   flex 흐름에 직접 참여하도록 함 */
@media (max-width:640px){
  .topbar-right:has(#feedbackBtn){display:contents}
  .topbar-inner:has(#feedbackBtn){flex-wrap:wrap;row-gap:10px;justify-content:flex-start}
  .topbar-inner:has(#feedbackBtn) .visitor-chip{order:1;margin-left:auto}
  .topbar-inner:has(#feedbackBtn) #feedbackBtn{order:2}
  .topbar-inner:has(#feedbackBtn) #themeToggle{order:3}
  .topbar-inner:has(#feedbackBtn) .topnav{order:4;flex:0 0 100%;width:100%;overflow-x:auto;flex-wrap:nowrap;justify-content:flex-start;scrollbar-width:none;-webkit-overflow-scrolling:touch}
  .topbar-inner:has(#feedbackBtn) .topnav::-webkit-scrollbar{display:none}
  .topbar-inner:has(#feedbackBtn) .navlink{flex:0 0 auto}
  /* 네비 알약 살짝 컴팩트 */
  .topnav .navlink{padding:8px 14px}
}

/* [모바일] 히어로·카드 미세 폴리시 */
@media (max-width:560px){
  .hero{border-radius:20px}
  .hero-amount{font-size:32px}
  .mobile-note{border-radius:16px}
  .pcview-btn{padding:10px 16px;font-size:13.5px}
  .card{border-radius:20px}
  .card-title{font-size:15.5px}
  /* 탭 타깃 여유 */
  .navlink{font-size:13px}
}

/* 사이트 면책 블록 (계산기 페이지) */
.site-disclaimer{margin:10px 0 0;padding:15px 18px;background:var(--surface-2);border:1px solid var(--line);border-radius:var(--r-md);display:flex;gap:11px;align-items:flex-start;color:var(--muted)}
.site-disclaimer .ic{font-size:18px;flex:none;line-height:1.5}
.site-disclaimer p{margin:0;font-size:12.5px;line-height:1.7;font-weight:500}
.site-disclaimer b{color:var(--ink-2);font-weight:700}

/* ============================================================
   MOBILE: hero-sticky 정렬 정정 + 컴팩트 재배치 (실측 기반)
   ============================================================ */
/* interim-bar wrap을 다른 카드와 동일한 16px 인셋으로 정렬 */
@media (max-width:560px){.interim-bar .wrap{padding:14px 16px}}

@media (max-width:560px){
  /* hero 카드 좌우 여백을 다른 카드(mobile-note/입력카드)와 동일한 16px로 정렬 */
  .hero{padding:12px 16px;margin:0 16px 4px;width:auto;gap:10px 14px;border-radius:18px}

  /* 히어로 헤드라인 컴팩트화 */
  .hero-label{font-size:11px}
  .hero-amount{font-size:26px;margin-top:1px}
  .hero-pill{margin-top:5px;font-size:11px;padding:3px 9px}

  /* 통계 4개를 세로 스택 대신 3열 그리드 + 월상환 통계는 아래 전체폭 */
  .hero-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:7px;width:100%}
  .hero-stats .stat{flex:none;min-width:0;padding:8px 9px;border-radius:12px}
  .s-k{font-size:10px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
  .s-k svg{width:11px;height:11px}
  .s-v{font-size:13.5px;margin-top:2px;white-space:nowrap;overflow:hidden}
  .repay-stat{grid-column:1/-1;min-width:0}
  .repay-table{font-size:10px;margin-top:4px}
  .repay-table th,.repay-table td{padding:2px 3px}

  /* 규제 요약칩: 여러 줄 wrap 대신 한 줄 가로 스크롤로 높이 절약 */
  .hero-reg{flex-wrap:nowrap;overflow-x:auto;min-width:0;max-width:100%;padding-top:8px;scrollbar-width:none;-webkit-overflow-scrolling:touch}
  .hero-reg::-webkit-scrollbar{display:none}
  .hr-label,.hr-chip{white-space:nowrap;flex:none}
  .hr-chip.hr-asof{margin-left:0}

  .hero-sticky{padding:8px 0 2px}
}

/* ============================================================
   MOBILE: 히어로 추가 컴팩트화 (자금부족 나란히·상환방식 토글·값 자동축소)
   ============================================================ */
@media (max-width:560px){
  /* 자금부족 pill을 금액 옆으로 나란히 배치해 세로 높이 절약 */
  .hero-main{display:flex;flex-wrap:wrap;align-items:baseline;column-gap:9px;row-gap:2px}
  .hero-label{flex:0 0 100%}
  .hero-amount{flex:0 0 auto}
  .hero-pill{flex:0 0 auto;margin-top:0}

  /* 상환방식 토글: 선택한 한 가지만 표시해 표 높이 절약 */
  .repay-toggle{display:flex;gap:3px;margin:6px 0 5px;background:var(--surface);border-radius:8px;padding:2px}
  .repay-toggle button{flex:1;border:none;background:transparent;font-size:10px;font-weight:700;color:var(--muted);padding:5px 2px;border-radius:6px;cursor:pointer;white-space:nowrap}
  .repay-toggle button.active{background:var(--accent);color:#fff}
  .repay-table tbody tr.rt-hide{display:none}

  /* 월 상환금 영역 접기/펼치기: 헤더를 누르면 토글·표를 펼침/접음 */
  .repay-head{cursor:pointer}
  .repay-head-right{display:flex;align-items:center;gap:5px;flex:0 0 auto;margin-left:8px}
  .repay-brief{font-size:12px;font-weight:800;color:var(--accent-ink);font-variant-numeric:tabular-nums;white-space:nowrap}
  .repay-fold-label{font-size:10px;font-weight:700;color:var(--muted);white-space:nowrap}
  .repay-chevron{flex:none;stroke:var(--muted);transition:transform .18s}
  .repay-head[aria-expanded="true"] .repay-chevron{transform:rotate(180deg)}
  .repay-body{overflow:hidden;max-height:200px;transition:max-height .22s ease}
  .repay-body.rb-collapsed{max-height:0}
}