:root{
    --bg:#f2f4f6;
    --card:#ffffff;
    --card-soft:#f9fafb;
    --ink-1:#191f28;
    --ink-2:#4e5968;
    --ink-3:#8b95a1;
    --line:#eef0f2;
    --brand:#585CE5;
    --brand-2:#3182f6;
    --brand-soft:rgba(88,92,229,0.08);
    --brand-soft-2:rgba(49,130,246,0.10);
    --shadow-card:0 2px 10px rgba(15,23,42,0.04), 0 12px 32px -18px rgba(15,23,42,0.10);
    --shadow-card-hover:0 6px 18px rgba(15,23,42,0.07), 0 22px 44px -20px rgba(15,23,42,0.16);
    --radius-lg:24px;
    --radius-md:18px;
    --ph-duotone-secondary-opacity:0.10;
  }

  /* 다크 모드 — html[data-theme="dark"]는 finpilot/js/main.js가 이미 쓰는 것과 같은
     속성/localStorage 키(fincalc_theme)를 공유해서, iframe으로 열리는 핀 파일럿/택스 파일럿과도
     테마가 어긋나지 않게 맞춘다. 거의 모든 컴포넌트가 var(--...) 기반이라 이 블록만으로
     앱 전반의 배경/텍스트/카드 색이 함께 전환된다. */
  html[data-theme="dark"]{
    --bg:#0b0f14;
    --card:#161b22;
    --card-soft:#1c222b;
    --ink-1:#f0f2f5;
    --ink-2:#a8b1bd;
    --ink-3:#6b7480;
    --line:#262c36;
    --brand:#7377ef;
    --brand-2:#5b9bf7;
    --brand-soft:rgba(115,119,239,0.16);
    --brand-soft-2:rgba(91,155,247,0.16);
    --shadow-card:0 2px 10px rgba(0,0,0,0.3), 0 12px 32px -18px rgba(0,0,0,0.5);
    --shadow-card-hover:0 6px 18px rgba(0,0,0,0.35), 0 22px 44px -20px rgba(0,0,0,0.55);
  }

  *{box-sizing:border-box;-webkit-tap-highlight-color:transparent;}
  html{-webkit-text-size-adjust:100%;}
  .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;}
  body{
    margin:0;
    height:100vh;
    overflow:hidden;
    background:var(--bg);
    color:var(--ink-1);
    font-family:'Inter',-apple-system,BlinkMacSystemFont,"Pretendard","Segoe UI","Apple SD Gothic Neo","Malgun Gothic",sans-serif;
    letter-spacing:-0.03em;
    line-height:1.5;
    -webkit-font-smoothing:antialiased;
  }
  a{color:inherit;text-decoration:none;}
  button{font-family:inherit;letter-spacing:inherit;}

  i.ph-duotone{
    --ph-duotone-secondary-color: var(--brand);
    color:var(--brand);
    line-height:1;
  }

  .wrap{
    max-width:960px;
    margin:0 auto;
    padding:0 20px 96px;
  }
  @media (min-width:640px){ .wrap{padding:0 32px 120px;} }

  /* ---------- Header ---------- */
  header{
    display:flex;
    align-items:center;
    gap:14px;
    padding:16px 20px 14px;
  }
  @media (min-width:640px){ header{padding:20px 32px 16px;} }

  .logo{
    display:flex;
    align-items:center;
    gap:8px;
    font-size:19px;
    font-weight:800;
    color:var(--ink-1);
    cursor:pointer;
    -webkit-tap-highlight-color:transparent;
    transition:transform .12s ease;
  }
  .logo:active{transform:scale(0.97);}
  .logo .dot{color:var(--brand);}
  .brand-logo-svg{
    width:22px;
    height:22px;
    flex-shrink:0;
    color:var(--ink-1);
    transition:all 0.2s ease;
    overflow:visible;
  }
  .logo:hover .brand-logo-svg{
    color:var(--brand);
    transform:translate(1px,-1px);
  }
  .online-dot{
    width:7px;height:7px;
    border-radius:50%;
    background:#0acf83;
    margin-left:2px;
    box-shadow:0 0 0 3px rgba(10,207,131,0.15);
    flex-shrink:0;
  }

  .sidebar-toggle-btn{
    display:flex;
    width:36px;height:36px;
    border-radius:10px;
    border:none;
    background:transparent;
    color:var(--ink-1);
    align-items:center;
    justify-content:center;
    cursor:pointer;
    flex-shrink:0;
    transition:background .15s ease;
  }
  .sidebar-toggle-btn i{font-size:20px;--ph-duotone-secondary-opacity:0;}
  .sidebar-toggle-btn:hover{background:var(--card-soft);}

  .header-actions{
    display:flex;
    align-items:center;
    gap:4px;
    flex-shrink:0;
    margin-left:auto;
  }

  /* ---------- 모바일 전용 슬림 헤더 로고 (데스크톱에서는 사이드바 로고가 대신 역할) ---------- */
  .mobile-header-logo{
    display:none;
    align-items:center;
    gap:6px;
    font-size:15px;
    font-weight:800;
    color:var(--ink-1);
    cursor:pointer;
    flex-shrink:0;
  }
  .mobile-header-logo .brand-logo-svg{width:20px;height:20px;color:var(--brand);flex-shrink:0;}
  .mobile-header-logo .dot{color:var(--brand);}
  .icon-btn-ghost{
    position:relative;
    width:38px;height:38px;
    border-radius:50%;
    border:none;
    background:transparent;
    color:var(--ink-2);
    display:flex;align-items:center;justify-content:center;
    cursor:pointer;
    transition:background .15s ease;
  }
  .icon-btn-ghost i{font-size:19px;--ph-duotone-secondary-opacity:0;}
  .icon-btn-ghost:hover{background:var(--card-soft);}
  .notif-dot{
    display:none;
    position:absolute;
    top:7px;right:7px;
    width:7px;height:7px;
    border-radius:50%;
    background:#f04452;
    border:1.5px solid var(--bg);
  }
  .notif-dot.show{display:block;}

  /* 알림함 모달 — 글쓰기 모달과 같은 오버레이 패턴, 다만 상단 정렬(알림은 목록형이라 위에서부터 채움) */
  .notif-center-overlay{
    position:fixed;inset:0;background:rgba(15,23,42,0.45);
    display:flex;align-items:flex-start;justify-content:center;
    padding:20px;z-index:230;opacity:0;pointer-events:none;transition:opacity .2s ease;
  }
  .notif-center-overlay.open{opacity:1;pointer-events:auto;}
  .notif-center-modal{
    width:100%;max-width:420px;max-height:80vh;overflow-y:auto;margin-top:64px;
    background:var(--card);border-radius:20px;padding:20px;
    transform:translateY(12px) scale(0.98);opacity:0;transition:transform .22s ease, opacity .22s ease;
  }
  .notif-center-overlay.open .notif-center-modal{transform:translateY(0) scale(1);opacity:1;}
  .notif-center-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:14px;}
  .notif-center-top h3{margin:0;font-size:16px;font-weight:800;color:var(--ink-1);letter-spacing:-0.02em;}
  .notif-center-top-actions{display:flex;align-items:center;gap:10px;}
  .notif-center-read-all-btn{border:none;background:none;color:var(--brand);font-size:12.5px;font-weight:700;cursor:pointer;padding:4px;}
  .notif-center-close{
    width:30px;height:30px;border-radius:9px;border:none;background:var(--bg);
    color:var(--ink-2);display:flex;align-items:center;justify-content:center;cursor:pointer;
  }
  .notif-center-close:hover{background:var(--line);}
  .notif-center-list{display:flex;flex-direction:column;gap:4px;}
  .notif-center-item{
    display:flex;align-items:flex-start;gap:12px;padding:12px 8px;border-radius:12px;
    cursor:pointer;transition:background .15s ease;
  }
  .notif-center-item:hover{background:var(--card-soft);}
  .notif-center-item.is-unread{background:var(--brand-soft);}
  .notif-center-icon{
    width:36px;height:36px;border-radius:50%;flex-shrink:0;
    display:flex;align-items:center;justify-content:center;
    background:var(--card-soft);color:var(--brand);font-size:17px;
    --ph-duotone-secondary-opacity:0.16;
  }
  .notif-center-body{flex:1;min-width:0;}
  .notif-center-item-title{margin:0 0 2px;font-size:13.5px;font-weight:700;color:var(--ink-1);}
  .notif-center-item-desc{margin:0;font-size:12.5px;font-weight:500;color:var(--ink-2);line-height:1.4;}
  .notif-center-item-time{margin:4px 0 0;font-size:11px;font-weight:600;color:var(--ink-3);}
  .notif-center-dismiss{
    flex-shrink:0;width:22px;height:22px;border-radius:6px;border:none;background:transparent;
    color:var(--ink-3);display:flex;align-items:center;justify-content:center;cursor:pointer;
  }
  .notif-center-dismiss:hover{background:var(--line);color:var(--ink-1);}
  .notif-center-dismiss i{font-size:13px;--ph-duotone-secondary-opacity:0;}
  .notif-center-empty{padding:36px 0;text-align:center;font-size:13px;font-weight:600;color:var(--ink-3);}

  /* 캘린더 일정 상세 모달 */
  .calendar-detail-overlay-v2{
    position:fixed;inset:0;background:rgba(15,23,42,0.45);z-index:240;
    display:flex;align-items:flex-end;justify-content:center;
  }
  .calendar-detail-overlay-v2[hidden]{display:none;}
  .calendar-detail-modal-v2{
    width:100%;max-width:480px;max-height:82vh;overflow-y:auto;
    background:var(--card);border-radius:20px 20px 0 0;padding:22px;
    animation:pushSoftAskIn .25s ease both;
  }
  @media (min-width:560px){
    .calendar-detail-overlay-v2{align-items:center;padding:20px;}
    .calendar-detail-modal-v2{border-radius:20px;}
  }
  .calendar-detail-top-v2{display:flex;align-items:center;justify-content:space-between;margin-bottom:10px;}
  .calendar-detail-cat-v2{font-size:12px;font-weight:800;padding:4px 10px;border-radius:999px;}
  .calendar-detail-close-v2{
    width:30px;height:30px;border-radius:9px;border:none;background:var(--bg);
    color:var(--ink-2);display:flex;align-items:center;justify-content:center;cursor:pointer;flex-shrink:0;
  }
  .calendar-detail-close-v2:hover{background:var(--line);}
  #calDetailTitle{margin:0 0 4px;font-size:17px;font-weight:800;color:var(--ink-1);letter-spacing:-0.02em;line-height:1.4;}
  .calendar-detail-date-v2{margin:0 0 16px;font-size:12.5px;font-weight:600;color:var(--ink-3);}
  .calendar-detail-fields-v2{display:flex;flex-direction:column;gap:10px;margin-bottom:18px;}
  .calendar-detail-field-row{display:flex;justify-content:space-between;gap:12px;font-size:13px;}
  .calendar-detail-field-label{color:var(--ink-3);font-weight:600;flex-shrink:0;}
  .calendar-detail-field-value{color:var(--ink-1);font-weight:700;text-align:right;}
  .calendar-detail-link-v2{
    display:flex;align-items:center;justify-content:center;gap:6px;
    width:100%;box-sizing:border-box;padding:13px;margin-bottom:10px;
    background:var(--card-soft);color:var(--brand);border-radius:12px;
    font-size:13.5px;font-weight:700;text-decoration:none;
  }
  .calendar-detail-link-v2[hidden]{display:none;}
  .calendar-detail-link-v2 i{font-size:14px;}
  .calendar-detail-remind-btn-v2{
    display:flex;align-items:center;justify-content:center;gap:6px;
    width:100%;background:var(--brand);color:#fff;border:none;border-radius:12px;
    padding:14px;font-size:14px;font-weight:800;cursor:pointer;font-family:inherit;
  }
  .calendar-detail-remind-btn-v2.is-on{background:var(--card-soft);color:var(--brand);}
  .calendar-detail-remind-btn-v2 i{font-size:16px;}
  .calendar-detail-delete-btn-v2{
    width:100%;background:none;border:none;color:#f04452;font-size:12.5px;font-weight:700;
    padding:12px;margin-top:6px;cursor:pointer;font-family:inherit;
  }
  .calendar-detail-delete-btn-v2[hidden]{display:none;}

  /* 알림 권한 soft-ask 배너 */
  .push-softask{
    position:fixed;left:16px;right:16px;bottom:16px;z-index:250;
    max-width:420px;margin:0 auto;
    background:var(--card);border-radius:18px;padding:16px;
    box-shadow:0 12px 32px rgba(15,23,42,0.18);
    display:flex;gap:12px;
    animation:pushSoftAskIn .3s ease both;
  }
  .push-softask[hidden]{display:none;}
  @keyframes pushSoftAskIn{ 0%{opacity:0;transform:translateY(16px);} 100%{opacity:1;transform:translateY(0);} }
  .push-softask-icon{
    width:40px;height:40px;border-radius:50%;flex-shrink:0;
    background:var(--brand-soft);color:var(--brand);
    display:flex;align-items:center;justify-content:center;font-size:19px;
    --ph-duotone-secondary-opacity:0.16;
  }
  .push-softask-title{margin:0 0 4px;font-size:13.5px;font-weight:800;color:var(--ink-1);line-height:1.4;}
  .push-softask-desc{margin:0 0 12px;font-size:12px;font-weight:500;color:var(--ink-2);line-height:1.4;}
  .push-softask-actions{display:flex;gap:8px;justify-content:flex-end;}
  .push-softask-btn{border:none;border-radius:999px;padding:8px 16px;font-size:12.5px;font-weight:700;cursor:pointer;font-family:inherit;}
  .push-softask-btn.secondary{background:var(--card-soft);color:var(--ink-2);}
  .push-softask-btn.primary{background:var(--brand);color:#fff;}

  /* 최초 로그인 닉네임 설정 모달 */
  .nickname-setup-overlay{
    position:fixed;inset:0;background:rgba(15,23,42,0.45);z-index:260;
    display:flex;align-items:center;justify-content:center;padding:20px;
  }
  .nickname-setup-overlay[hidden]{display:none;}
  .nickname-setup-modal{
    width:100%;max-width:360px;background:var(--card);border-radius:20px;
    padding:28px 24px;text-align:center;
    animation:pushSoftAskIn .25s ease both;
  }
  .nickname-setup-icon{
    display:flex;align-items:center;justify-content:center;margin:0 auto 14px;
    width:52px;height:52px;border-radius:50%;background:var(--brand-soft);color:var(--brand);
    font-size:26px;--ph-duotone-secondary-opacity:0.16;
  }
  .nickname-setup-modal h3{margin:0 0 8px;font-size:16px;font-weight:800;color:var(--ink-1);letter-spacing:-0.02em;line-height:1.4;}
  .nickname-setup-desc{margin:0 0 18px;font-size:12.5px;font-weight:500;color:var(--ink-2);line-height:1.5;}
  .nickname-setup-input{
    width:100%;box-sizing:border-box;border:1.5px solid var(--line);border-radius:12px;
    padding:13px 14px;font-size:14px;font-weight:700;color:var(--ink-1);text-align:center;
    background:var(--bg);font-family:inherit;margin-bottom:14px;
  }
  .nickname-setup-input:focus{outline:none;border-color:var(--brand);}
  .nickname-setup-confirm-btn{
    width:100%;background:var(--brand);color:#fff;border:none;border-radius:12px;
    padding:14px;font-size:14px;font-weight:800;cursor:pointer;font-family:inherit;
  }

  .cta-pill{
    display:flex;
    align-items:center;
    gap:6px;
    background:var(--brand-soft);
    color:var(--brand);
    border:none;
    padding:10px 18px;
    border-radius:999px;
    font-size:13.5px;
    font-weight:700;
    cursor:pointer;
    transition:background .15s ease, transform .15s ease;
  }
  .cta-pill:hover{background:rgba(88,92,229,0.14);}
  .cta-pill:active{transform:scale(0.96);}

  /* ---------- 헤더 우측 상단: 구글 로그인 버튼 / 프리미엄 미니 회원 칩 ---------- */
  .header-auth-slot{display:flex;align-items:center;flex-shrink:0;}

  .header-login-btn{
    display:flex;
    align-items:center;
    gap:8px;
    background:#fff;
    color:var(--ink-1);
    border:1.5px solid var(--line);
    padding:9px 16px 9px 12px;
    border-radius:999px;
    font-size:13px;
    font-weight:700;
    letter-spacing:-0.02em;
    cursor:pointer;
    white-space:nowrap;
    transition:background .15s ease, border-color .15s ease, transform .15s ease;
  }
  .header-login-btn:hover{background:var(--card-soft);border-color:#d8dce2;}
  .header-login-btn:active{transform:scale(0.96);}
  .header-login-icon{width:16px;height:16px;flex-shrink:0;}

  @keyframes headerChipFadeIn{ from{opacity:0;transform:translateY(-4px) scale(0.97);} to{opacity:1;transform:translateY(0) scale(1);} }
  .header-member-chip{
    display:flex;
    align-items:center;
    gap:8px;
    background:var(--card-soft);
    padding:5px 14px 5px 5px;
    border-radius:999px;
    animation:headerChipFadeIn .35s cubic-bezier(.22,1,.36,1);
  }
  .header-member-avatar{width:30px;height:30px;border-radius:50%;object-fit:cover;flex-shrink:0;background:var(--card-soft);}
  .header-member-text{display:flex;flex-direction:column;line-height:1.25;}
  .header-member-name{font-size:12px;font-weight:800;color:var(--ink-1);letter-spacing:-0.02em;white-space:nowrap;}
  .header-member-points{font-size:11.5px;font-weight:700;color:var(--brand);}
  .header-member-logout{
    margin-left:2px;
    background:none;
    border:none;
    font-size:11px;
    font-weight:600;
    color:var(--ink-3);
    cursor:pointer;
    padding:4px 2px;
    text-decoration:underline;
    text-underline-offset:2px;
    white-space:nowrap;
    transition:color .15s ease;
  }
  .header-member-logout:hover{color:var(--ink-1);}

  @media (max-width:420px){
    .header-member-text{display:none;}
    .header-login-btn span{display:none;}
    .header-login-btn{padding:9px;}
  }

  /* ---------- Hub shell: 서브 사이드바를 걷어내고 메인 사이드바 하나로 단일화된 대시보드 ---------- */
  /* finpilot 그리드 뷰만 .wrap의 중앙정렬/최대너비 제약을 풀어서, 메인 콘텐츠가 app-sidebar 옆
     나머지 공간을 flex:1로 시원하게 통째로 채우도록 함 (필터링은 상단 hub-pills 칩이 전담) */
  #finpilotGridState{
    max-width:none;
    margin:0;
    padding:0;
  }

  .hub-shell{
    display:block;
  }

  .hub-main{
    background:var(--bg);
    padding:20px;
  }
  @media (min-width:640px){ .hub-main{padding:32px;} }

  .hub-search{
    display:flex;
    align-items:center;
    gap:10px;
    background:var(--card);
    border-radius:16px;
    padding:14px 18px;
    box-shadow:var(--shadow-card);
    margin-bottom:16px;
  }
  .hub-search i{font-size:19px;color:var(--ink-3);--ph-duotone-secondary-opacity:0.12;flex-shrink:0;}
  .hub-search input{
    border:none;outline:none;background:transparent;
    flex:1;font:inherit;font-size:15px;font-weight:600;
    color:var(--ink-1);letter-spacing:inherit;
  }
  .hub-search input::placeholder{color:var(--ink-3);font-weight:500;}

  .hub-pills{
    display:flex;
    gap:8px;
    overflow-x:auto;
    margin-bottom:24px;
    padding-bottom:2px;
    scrollbar-width:none;
  }
  .hub-pills::-webkit-scrollbar{display:none;}
  .hub-pill{
    flex-shrink:0;
    padding:9px 18px;
    border-radius:999px;
    background:var(--card);
    color:var(--ink-2);
    font-size:13.5px;
    font-weight:700;
    border:none;
    cursor:pointer;
    box-shadow:var(--shadow-card);
    transition:background .15s ease, color .15s ease;
  }
  .hub-pill.active{background:var(--brand);color:#fff;box-shadow:none;}

  /* ---------- Section heading ---------- */
  .section-head{
    display:flex;
    align-items:flex-end;
    justify-content:space-between;
    padding:0 2px 16px;
    gap:12px;
  }
  .section-head h2{
    font-size:20px;
    font-weight:800;
    margin:0;
    letter-spacing:-0.03em;
  }
  .section-head p{
    margin:5px 0 0;
    font-size:13.5px;
    color:var(--ink-3);
    font-weight:500;
  }

  .badge{
    font-size:10.5px;
    font-weight:800;
    padding:3px 8px;
    border-radius:999px;
    letter-spacing:-0.01em;
  }

  /* ---------- Calculator card grid ---------- */
  /* 최소 3열 고정: 화면 폭과 무관하게 PC·모바일 모두 항상 가로 3열 이상 유지 */
  .calc-grid{
    display:grid;
    grid-template-columns:repeat(3, 1fr);
    gap:10px;
    padding:0;
  }
  @media (min-width:768px){
    .calc-grid{gap:16px;}
  }
  .calc-card{
    display:flex;
    flex-direction:column;
    justify-content:space-between;
    height:140px;
    padding:24px;
    position:relative;
    background:var(--card);
    border-radius:20px;
    box-shadow:0 4px 20px rgba(0,0,0,0.03);
    cursor:pointer;
    transition:transform .2s ease, box-shadow .2s ease;
  }
  .calc-card:hover{
    transform:translateY(-4px);
    box-shadow:var(--shadow-card-hover);
  }
  .calc-card.is-hidden{display:none;}
  .calc-icon{
    width:44px;height:44px;
    border-radius:12px;
    background-color:var(--brand-soft);
    display:flex;align-items:center;justify-content:center;
    flex-shrink:0;
  }
  .calc-icon i{font-size:21px;}
  .calc-card h3{
    margin:0;
    font-size:16px;
    font-weight:700;
    color:var(--ink-1);
    letter-spacing:-0.03em;
    word-break:keep-all;
  }
  .calc-soon-badge{
    position:absolute;
    top:20px;right:20px;
    font-size:10px;
    font-weight:800;
    padding:3px 8px;
    border-radius:999px;
    background:var(--card-soft);
    color:var(--ink-3);
  }
  .calc-soon-badge.new{
    background:var(--brand-soft-2);
    color:var(--brand-2);
  }
  .calc-card.soon .calc-icon{background:var(--card-soft);}
  .calc-card.soon .calc-icon i{
    color:var(--ink-3);
    --ph-duotone-secondary-color:var(--ink-3);
    --ph-duotone-secondary-opacity:0.18;
  }
  .calc-card.soon:hover{transform:none;box-shadow:0 4px 20px rgba(0,0,0,0.03);}

  /* 핵심 서비스인 세금 계산기(양도소득세·증여세·상속세)만 미세한 컬러 포인트로 주목도를 높임 */
  .calc-card[data-category="tax"]{
    border:1.5px solid rgba(245,158,11,0.35);
    background:linear-gradient(160deg, rgba(245,158,11,0.07), var(--card) 60%);
  }
  .calc-card[data-category="tax"] .calc-icon{background:rgba(245,158,11,0.16);}
  .calc-card[data-category="tax"] .calc-icon i{color:#f59e0b;--ph-duotone-secondary-color:#f59e0b;}

  /* 모바일 3열 디테일 튜닝: 화면 폭 767px 미만 */
  @media (max-width:767px){
    .calc-grid{gap:8px; padding:0;}
    .calc-card{
      height:110px;
      padding:12px;
      border-radius:16px;
    }
    .calc-icon{
      width:32px;height:32px;
      border-radius:8px;
    }
    .calc-icon i{font-size:16px;}
    .calc-card h3{
      font-size:12px;
      line-height:1.3;
      word-break:keep-all;
    }
    .calc-soon-badge{
      top:10px;right:10px;
      font-size:9px;
      padding:2px 6px;
    }
  }

  .calc-empty{
    text-align:center;
    padding:48px 20px;
    color:var(--ink-3);
    font-size:14px;
    font-weight:600;
  }

  /* ---------- Coming soon ---------- */
  .soon-section{margin-top:52px;}
  .soon-grid{
    display:grid;
    grid-template-columns:1fr;
    gap:14px;
  }
  .soon-card{
    background:var(--card-soft);
    border-radius:var(--radius-lg);
    padding:26px;
    display:flex;
    gap:16px;
    align-items:flex-start;
    max-width:480px;
  }
  .soon-card .icon-plate{
    width:48px;height:48px;
    border-radius:14px;
    background:#eceef1;
    display:flex;align-items:center;justify-content:center;
    flex-shrink:0;
  }
  .soon-card .icon-plate i{
    font-size:23px;
    color:var(--ink-3);
    --ph-duotone-secondary-color:var(--ink-3);
    --ph-duotone-secondary-opacity:0.18;
  }
  .soon-card .body{min-width:0;}
  .soon-card .title-row{
    display:flex;
    align-items:center;
    gap:8px;
    margin-bottom:6px;
  }
  .soon-card h4{
    margin:0;
    font-size:15.5px;
    font-weight:700;
    color:var(--ink-2);
  }
  .badge.soon{
    background:#e4e7eb;
    color:var(--ink-3);
  }
  .soon-card p{
    margin:0;
    font-size:13px;
    color:var(--ink-3);
    font-weight:500;
    line-height:1.55;
    word-break:keep-all;
  }

  /* ---------- Trust strip ---------- */
  .trust-strip{
    margin-top:56px;
    background:var(--card);
    border-radius:var(--radius-lg);
    padding:26px 28px;
    display:flex;
    flex-wrap:wrap;
    gap:20px 32px;
    box-shadow:var(--shadow-card);
  }
  .trust-item{
    display:flex;
    align-items:center;
    gap:10px;
    font-size:13.5px;
    font-weight:600;
    color:var(--ink-2);
  }
  .trust-item i{font-size:19px;--ph-duotone-secondary-opacity:0.14;}

  footer{
    max-width:960px;
    margin:56px auto 0;
    padding:24px 20px 0;
    border-top:1px solid var(--line);
    font-size:12px;
    color:var(--ink-3);
    font-weight:500;
    line-height:1.7;
  }
  .home-footer-links{
    display:flex;flex-wrap:wrap;gap:6px 16px;margin-top:12px;
  }
  .home-footer-links a{font-weight:600;color:var(--ink-3);}
  .home-footer-links a:hover{color:var(--brand);}
  @media (min-width:640px){ footer{padding:24px 32px 0;} }

  /* ---------- Home SEO guide ---------- */
  .home-seo-guide{
    max-width:960px;
    margin:40px auto 0;
    background:var(--card);
    border-radius:var(--radius-lg);
    box-shadow:var(--shadow-card);
    padding:26px 28px;
  }
  @media (min-width:640px){ .home-seo-guide{padding:30px 32px;} }
  .home-seo-guide h2{font-size:17px;font-weight:800;margin:0 0 12px;color:var(--ink-1);}
  .home-seo-guide h3{font-size:14.5px;font-weight:700;margin:20px 0 8px;color:var(--ink-1);}
  .home-seo-guide p{margin:0 0 10px;font-size:13.5px;line-height:1.75;color:var(--ink-2);word-break:keep-all;}
  .home-seo-guide .faq-item{margin-bottom:14px;}
  .home-seo-guide .faq-item:last-child{margin-bottom:0;}
  .home-seo-guide .faq-q{font-size:13.5px;font-weight:700;color:var(--ink-1);margin:0 0 4px;}
  .home-seo-guide .faq-a{font-size:13px;color:var(--ink-2);margin:0;line-height:1.65;word-break:keep-all;}

  /* ---------- App shell / tab bar ---------- */
  /* Android 16(API 36)부터 edge-to-edge가 강제되면서 상태표시줄 뒤로 콘텐츠가 그려질 수 있어,
     고정 헤더가 노치/상태표시줄에 가려지지 않도록 안전 영역만큼 위쪽 여백을 미리 확보해둔다.
     env() 미지원/inset이 0인 기기에서는 그냥 0px로 계산되어 기존과 동일하게 보인다. */
  .app-header{
    position:sticky;
    top:0;
    z-index:40;
    background:rgba(242,244,246,0.86);
    backdrop-filter:blur(14px);
    -webkit-backdrop-filter:blur(14px);
    padding-top:env(safe-area-inset-top, 0px);
  }
  html[data-theme="dark"] .app-header{background:rgba(11,15,20,0.86);}

  .tab-bar{
    display:inline-flex;
    min-width:0;
    max-width:100%;
    gap:2px;
    background:var(--card-soft);
    padding:4px;
    border-radius:999px;
    overflow-x:auto;
    scrollbar-width:none;
    -webkit-overflow-scrolling:touch;
  }
  .tab-bar::-webkit-scrollbar{display:none;}
  .tab-btn{
    display:inline-flex;
    align-items:center;
    gap:6px;
    padding:9px 16px;
    border-radius:999px;
    font-size:13.5px;
    font-weight:700;
    color:var(--ink-3);
    cursor:pointer;
    border:none;
    background:transparent;
    white-space:nowrap;
    flex-shrink:0;
    transition:background .18s ease, color .18s ease;
  }
  .tab-btn i{font-size:15px;--ph-duotone-secondary-opacity:0;color:var(--ink-3);}
  .tab-btn.active{
    background:var(--card);
    color:var(--brand);
    box-shadow:0 1px 4px rgba(15,23,42,0.08);
  }
  .tab-btn.active i{color:var(--brand);}
  .tab-btn-badge{margin-left:1px;flex-shrink:0;}

  /* ---------- 상단 메뉴바 드롭다운 (금융 / 정보) — 사이드바 아코디언 구조의 1:1 미러링 ---------- */
  .navbar-dropdown{position:relative;flex-shrink:0;}
  .dropdown-trigger{font-family:inherit;}
  .navbar-dropdown-caret{
    font-size:11px !important;margin-left:1px;--ph-duotone-secondary-opacity:0;
    transition:transform .18s ease;
  }
  .navbar-dropdown.open .navbar-dropdown-caret{transform:rotate(180deg);}

  /* JS에서 document.body 바로 아래로 옮겨지는 요소라(.app-header의 backdrop-filter가 만드는
     containing block을 피하기 위함), 열림 상태도 부모(.navbar-dropdown)가 아니라 이 요소 자신의
     .open 클래스로 직접 제어함 */
  .navbar-dropdown-menu{
    position:fixed;
    min-width:230px;
    background:#ffffff;
    border-radius:16px;
    padding:8px;
    box-shadow:0 16px 36px -14px rgba(15,23,42,0.20), 0 4px 14px rgba(15,23,42,0.06);
    border:1px solid rgba(15,23,42,0.04);
    opacity:0;
    visibility:hidden;
    transform:translateY(-6px);
    transition:opacity .16s ease, transform .16s ease, visibility .16s;
    z-index:210;
  }
  .navbar-dropdown-menu.open{
    opacity:1;
    visibility:visible;
    transform:translateY(0);
  }
  .navbar-dropdown-item{
    display:flex;
    align-items:center;
    gap:10px;
    padding:10px 12px;
    border-radius:11px;
    font-size:13.5px;
    font-weight:600;
    color:var(--ink-2);
    white-space:nowrap;
    letter-spacing:-0.02em;
    transition:background .15s ease, color .15s ease;
  }
  .navbar-dropdown-item i{font-size:16px;color:var(--ink-3);--ph-duotone-secondary-opacity:0;flex-shrink:0;}
  .navbar-dropdown-item:hover{background:var(--card-soft);color:var(--ink-1);}
  .navbar-dropdown-item.active,
  .navbar-dropdown-item.is-selected{background:var(--brand-soft);color:var(--brand);font-weight:800;}
  .navbar-dropdown-item.active i,
  .navbar-dropdown-item.is-selected i{color:var(--brand);--ph-duotone-secondary-opacity:0.16;}
  .navbar-dropdown-badge{margin-left:auto;flex-shrink:0;}

  /* ---------- App shell: full-height left sidebar + scrollable main content ---------- */
  .app-shell{
    display:flex;
    height:100vh;
    overflow:hidden;
    background-color:var(--bg);
  }

  /* 사이드바는 상단 네비게이션바(.tab-bar)와 항상 동시에 보이면 메뉴가 중복되므로,
     화면 폭과 무관하게 항상 오프캔버스 드로어로만 동작함 — 데스크톱에서도 고정 컬럼을 차지하지 않음.
     상단 바가 유일한 상시 노출 내비게이션이고, 사이드바는 햄버거 버튼으로 열어보는 전체 메뉴 역할 */
  .app-sidebar{
    position:fixed;
    top:0;
    left:0;
    width:280px;
    height:100vh;
    z-index:200;
    background-color:var(--card);
    border-right:1px solid rgba(0,0,0,0.06);
    box-shadow:0 12px 40px rgba(0,0,0,0.15);
    display:flex;
    flex-direction:column;
    overflow:hidden;
    transform:translateX(-100%);
    transition:transform .3s cubic-bezier(.4,0,.2,1);
  }
  .app-sidebar.open{transform:translateX(0);}

  .sidebar-logo-area{
    padding:24px 20px 32px 20px;
    display:flex;
    align-items:center;
    justify-content:space-between;
    flex-shrink:0;
  }

  .sidebar-close-btn{
    display:flex;
    width:34px;height:34px;
    flex-shrink:0;
    border-radius:10px;
    border:none;
    background:var(--card-soft);
    color:var(--ink-2);
    align-items:center;
    justify-content:center;
    cursor:pointer;
  }
  .sidebar-close-btn i{font-size:17px;--ph-duotone-secondary-opacity:0;}

  .sidebar-nav{
    display:flex;
    flex-direction:column;
    flex:1;
    min-height:0;
    overflow-y:auto;
    padding:0 0 24px;
    scrollbar-width:thin;
  }

  .sidebar-standalone{
    display:flex;
    flex-direction:column;
  }
  .sidebar-group + .sidebar-group,
  .sidebar-standalone + .sidebar-group,
  .sidebar-group + .sidebar-standalone,
  .sidebar-standalone + .sidebar-standalone{
    margin-top:18px;
  }
  .sidebar-group-header{
    width:calc(100% - 20px);
    margin:2px 10px;
    display:flex;
    align-items:center;
    padding:10px 14px;
    border-radius:14px;
    background:transparent;
    border:none;
    cursor:pointer;
    letter-spacing:-0.03em;
    transition:background .15s ease;
  }
  .sidebar-group-header:hover{background:rgba(88,92,229,0.045);}
  .sidebar-group-title{
    display:flex;
    align-items:center;
    gap:12px;
    font-size:15px;
    font-weight:700;
    color:var(--ink-1);
    letter-spacing:-0.03em;
  }
  .sidebar-group-title i{
    font-size:18px;
    color:var(--ink-3);
    --ph-duotone-secondary-opacity:0;
  }
  .sidebar-caret{
    font-size:12px;
    color:var(--ink-3);
    --ph-duotone-secondary-opacity:0;
    margin-left:auto;
    flex-shrink:0;
  }

  .sidebar-group-body{
    max-height:0;
    overflow:hidden;
    transition:max-height .25s ease;
  }
  .sidebar-group.open .sidebar-group-body{max-height:420px;}

  .sidebar-item{
    display:flex;
    align-items:center;
    gap:12px;
    margin:2px 10px;
    padding:10px 14px;
    border-radius:14px;
    letter-spacing:-0.03em;
    cursor:pointer;
    transition:background .18s cubic-bezier(.4,0,.2,1), color .18s ease, transform .12s ease;
  }
  .sidebar-item:hover{background:rgba(88,92,229,0.05);color:var(--ink-1);transform:translateX(1px);}
  .sidebar-item:hover .sidebar-item-icon-plate i{color:var(--brand);}
  .sidebar-item:active{transform:scale(0.98);}

  /* 상위 메인 메뉴: 금융/정보 그룹 헤더와 동급 비주얼 무게감 */
  .sidebar-standalone .sidebar-item{
    font-size:15px;
    font-weight:700;
    color:var(--ink-1);
  }
  .sidebar-standalone .sidebar-item i{font-size:18px;}

  /* 하위 서브 메뉴: 톤다운된 폰트 + 좌측 인덴트로 아코디언 종속 관계를 명확히 구분 */
  .sidebar-group-body .sidebar-item{
    font-size:13px;
    font-weight:500;
    color:var(--ink-2);
    margin-left:32px;
  }

  .sidebar-item-icon-plate{
    width:28px;height:28px;
    border-radius:9px;
    display:flex;
    align-items:center;
    justify-content:center;
    flex-shrink:0;
    background:transparent;
    transition:background .18s ease;
  }
  .sidebar-item i{
    font-size:17px;
    color:var(--ink-3);
    --ph-duotone-secondary-opacity:0;
    flex-shrink:0;
    transition:color .18s ease;
  }
  .sidebar-item.active{background:var(--brand-soft);color:var(--brand);font-weight:800;}
  .sidebar-item.active .sidebar-item-icon-plate{background:rgba(255,255,255,0.6);}
  .sidebar-item.active i{color:var(--brand);--ph-duotone-secondary-opacity:0.16;}
  .sidebar-item.is-selected{background:var(--brand-soft);color:var(--brand);font-weight:800;}
  .sidebar-item.is-selected .sidebar-item-icon-plate{background:rgba(255,255,255,0.6);}
  .sidebar-item.is-selected i{color:var(--brand);--ph-duotone-secondary-opacity:0.16;}
  .sidebar-item-badge{
    margin-left:auto;
    flex-shrink:0;
  }
  .sidebar-item-badge.new{background:var(--brand-soft-2);color:var(--brand-2);}

  /* 세무사 1:1 절세 상담 — <button>이라 브라우저 기본 스타일 리셋 필요 */
  .sidebar-item-highlight{
    width:100%;text-align:left;border:none;background:none;font:inherit;letter-spacing:inherit;
  }
  .sidebar-item-icon-plate-highlight{background:var(--brand-soft);}
  .sidebar-item-icon-plate-highlight i{color:var(--brand) !important;--ph-duotone-secondary-opacity:0.16 !important;}

  .sidebar-backdrop{
    position:fixed;
    inset:0;
    background:rgba(15,23,42,0.4);
    z-index:190;
    opacity:0;
    pointer-events:none;
    transition:opacity .25s ease;
  }
  .sidebar-backdrop.show{opacity:1;pointer-events:auto;}

  .app-main{
    flex:1;
    min-width:0;
    height:100vh;
    overflow-y:auto;
    background:var(--bg);
  }

  /* ==================================================
     모바일 퍼스트 리팩토링 — 슬림 헤더 + 하단 고정 바텀 네비게이션
     ================================================== */
  .bottom-nav{
    display:none;
    position:fixed;
    left:0; right:0; bottom:0;
    background:var(--card);
    border-radius:6px 6px 0 0;
    padding:6px 4px calc(6px + env(safe-area-inset-bottom, 0px));
    box-shadow:0 -6px 24px rgba(15,23,42,0.10);
    z-index:150;
  }
  .bottom-nav-item{
    flex:1;
    display:flex;
    flex-direction:column;
    align-items:center;
    justify-content:center;
    gap:3px;
    padding:8px 4px;
    border-radius:24px;
    color:var(--ink-3);
    font-size:10.5px;
    font-weight:700;
    letter-spacing:-0.02em;
    transition:color .15s ease, background .15s ease;
  }
  .bottom-nav-item i{font-size:22px;--ph-duotone-secondary-opacity:0;color:var(--ink-3);transition:color .15s ease;}
  .bottom-nav-item.active{color:var(--brand);background:var(--brand-soft);}
  .bottom-nav-item.active i{color:var(--brand);--ph-duotone-secondary-opacity:0.16;}

  @media (max-width:640px){
    /* 상단 헤더: 로고 + 알림 종 아이콘만 남기고 나머지는 걷어냄 (프로필·포인트·로그아웃은 마이페이지로 이동) */
    header{padding:12px 16px;gap:10px;}
    .tab-bar{display:none;}
    .mobile-header-logo{display:flex;}
    #calendarBtn{display:none;}
    .header-auth-slot{display:none;}

    /* 하단 바텀 네비게이션 노출 + 컨텐츠가 바텀바에 가리지 않도록 여백 확보 */
    .bottom-nav{display:flex;}
    .app-main{padding-bottom:calc(64px + env(safe-area-inset-bottom, 0px));}
  }

  /* PC 화면(≥961px): 사이드바를 상시 고정 컬럼으로 전환.
     상단 탭바(홈/금융/정보 드롭다운 등)와 사이드바 메뉴가 동시에 보이면 예전에 겪었던
     "메뉴 중복" 문제가 재발하므로, 이 폭에서는 탭바를 숨기고 사이드바를 유일한 내비게이션으로 둔다.
     태블릿/모바일 폭(≤960px)은 기존과 동일하게 오프캔버스 드로어 + 상단 탭바 조합을 유지한다. */
  @media (min-width:961px){
    .sidebar-toggle-btn{display:none;}
    .sidebar-close-btn{display:none;}
    .sidebar-backdrop{display:none;}
    .tab-bar{display:none;}

    .app-sidebar{
      transform:translateX(0);
      box-shadow:none;
    }

    .app-main{margin-left:280px;}
  }

  /* ---------- Embedded views ---------- */
  .app-view{display:none;}
  .app-view.active{display:block;}

  /* 애드센스 심사 기간 임시 숨김 — 준비중 메뉴, 빈 커뮤니티, 베타 상담, 뉴스 RSS 피드.
     심사 통과 후 이 규칙만 지우면 원상 복구됨. */
  .review-hide{display:none!important;}

  .embed-view{
    height:calc(100vh - var(--chrome-h, 76px));
    min-height:420px;
  }
  .embed-view iframe{
    display:block;
    width:100%;
    height:100%;
    border:none;
    background:#f9fafb;
  }
  @media (max-width:640px){
    /* 모바일에서는 하단 고정 바텀 네비게이션 높이만큼 iframe 뷰 높이도 함께 줄여서 겹치지 않게 함 */
    .embed-view{height:calc(100vh - var(--chrome-h, 76px) - 64px - env(safe-area-inset-bottom, 0px));}
  }

  /* ==================================================
     네이티브 하이브리드 앱(mobile-app/) 전용 — Expo WebView가 UA에 "AssetPilotNativeApp"을
     붙여서 로드하면 <html>에 native-embed 클래스가 붙는다(index.html 상단 조기 스크립트 참고).
     네이티브 헤더/드로어/하단바가 이미 있으므로 웹 자체 헤더·사이드바·하단바는 전부 숨기고
     본문 콘텐츠만 채운다. 일반 브라우저/기존 TWA는 이 클래스가 없으므로 영향 없음.
     ================================================== */
  .native-embed .app-header,
  .native-embed .bottom-nav,
  .native-embed .app-sidebar,
  .native-embed .sidebar-backdrop{display:none !important;}
  .native-embed .app-main{padding-bottom:0 !important;margin-left:0 !important;}
  .native-embed .embed-view{height:calc(100vh - var(--chrome-h, 0px)) !important;}
  /* 네이티브 앱의 진짜 콜드 스타트(최초 로드)에서는 이 화살표 발사 스플래시가 그대로 보여야 하고,
     이후 메뉴 전환으로 WebView가 다시 로드될 때만 재생되지 않아야 한다. index.html 상단 스크립트가
     URL의 embednav 마커 유무로 이 둘을 구분해 native-embed-skip-splash 클래스를 붙인다. */
  .native-embed-skip-splash .app-splash{display:none !important;}

  /* ---------- Fin Pilot: grid state vs. detail (iframe) state ---------- */
  #finpilotGridState.is-hidden{display:none;}

  #finpilotDetailState{display:none;}
  #finpilotDetailState.is-active{
    display:flex;
    flex-direction:column;
  }
  #finpilotDetailState iframe{
    flex:1;
    min-height:0;
    height:auto;
  }
  .detail-back-btn{
    display:flex;
    align-items:center;
    gap:8px;
    flex-shrink:0;
    padding:14px 20px;
    background:var(--card-soft);
    border:none;
    font-size:13.5px;
    font-weight:700;
    color:var(--ink-2);
    cursor:pointer;
    transition:color .15s ease;
  }
  .detail-back-btn:hover{color:var(--brand);}
  .detail-back-btn i{font-size:16px;--ph-duotone-secondary-opacity:0;}

  /* ---------- Home: 모바일 퍼스트 스택 ---------- */
  /* 당겨서 새로고침 — 드래그 중엔 JS가 height를 직접 픽셀 단위로 조절해 손가락과 1:1로 반응하게 하고,
     손을 뗀 순간에만 트랜지션을 켜서 정착/복귀 애니메이션을 부드럽게 만든다. */
  .pull-refresh-indicator{
    height:0;
    display:flex;align-items:center;justify-content:center;
    overflow:hidden;
  }
  .pull-refresh-indicator.is-settling{transition:height .2s ease;}
  .pull-refresh-icon{
    font-size:22px;color:var(--brand);
    --ph-duotone-secondary-opacity:0.16;
  }
  .pull-refresh-indicator.is-loading .pull-refresh-icon{
    animation:pullRefreshSpin .7s linear infinite;
  }
  @keyframes pullRefreshSpin{ to { transform:rotate(360deg); } }

  /* 2. 웰컴 & 포인트 배지 (한 줄, 간결하게) */
  .home-welcome-row{
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:12px;
    padding:16px 2px 10px;
  }
  .home-welcome-name{margin:0;font-size:18px;font-weight:700;color:var(--ink-1);letter-spacing:-0.03em;}
  .home-points-badge{
    display:flex;
    align-items:center;
    gap:4px;
    flex-shrink:0;
    background:var(--brand-soft);
    color:var(--brand);
    border:none;
    padding:9px 14px;
    border-radius:999px;
    font-size:13px;
    font-weight:700;
    letter-spacing:-0.02em;
    white-space:nowrap;
    cursor:pointer;
    transition:background .15s ease, transform .15s ease;
  }
  .home-points-badge:hover{background:rgba(88,92,229,0.14);}
  .home-points-badge:active{transform:scale(0.96);}
  .home-points-badge i{font-size:13px;--ph-duotone-secondary-opacity:0;}

  /* 미래 자산 예측 시뮬레이터 — 슬라이더 두 개(월 저축액/대출 추가상환)로 5년 뒤 예상 자산과
     절감 이자를 실시간 계산해 보여주는 토스 스타일 카드. 입력창 없이 슬라이더+원터치 버튼만 사용. */
  .home-sim-section{display:flex;flex-direction:column;gap:12px;margin-bottom:24px;}
  .home-sim-card{background:var(--card);border-radius:var(--radius-lg);box-shadow:var(--shadow-card);padding:20px 18px;}
  .home-sim-label{margin:0 0 6px;font-size:12.5px;font-weight:600;color:var(--ink-3);}
  .home-sim-value{margin:0 0 6px;font-size:21px;font-weight:800;color:var(--brand);letter-spacing:-0.02em;}
  .home-sim-value--loss{color:#dc2626;}
  .home-sim-sub{margin:0 0 14px;font-size:12px;font-weight:500;color:var(--ink-3);}
  .home-sim-slider{
    width:100%;
    height:6px;
    border-radius:999px;
    background:var(--brand-soft);
    accent-color:var(--brand);
    appearance:none;
    -webkit-appearance:none;
    cursor:pointer;
    margin-bottom:12px;
  }
  .home-sim-slider::-webkit-slider-thumb{
    -webkit-appearance:none;
    width:20px;height:20px;border-radius:50%;
    background:var(--brand);border:3px solid var(--card);
    box-shadow:0 1px 4px rgba(0,0,0,0.25);
    cursor:pointer;
  }
  .home-sim-slider::-moz-range-thumb{
    width:20px;height:20px;border-radius:50%;
    background:var(--brand);border:3px solid var(--card);
    box-shadow:0 1px 4px rgba(0,0,0,0.25);
    cursor:pointer;
  }
  .home-sim-slider--loan{accent-color:#dc2626;}
  .home-sim-slider--loan::-webkit-slider-thumb{background:#dc2626;}
  .home-sim-slider--loan::-moz-range-thumb{background:#dc2626;}
  .home-sim-quick{display:flex;gap:8px;}
  .home-sim-quick-btn{
    background:var(--card-soft);
    color:var(--ink-2);
    border:none;
    padding:8px 14px;
    border-radius:999px;
    font-size:12.5px;
    font-weight:700;
    cursor:pointer;
    transition:background .15s ease, transform .15s ease;
  }
  .home-sim-quick-btn:hover{background:var(--brand-soft);color:var(--brand);}
  .home-sim-quick-btn:active{transform:scale(0.96);}

  /* 자산 비교 & 자산 점수 카드 — 모바일 앱 AssetScoreScreen.tsx와 동일한 로직/문구를 웹에 이식 */
  .home-score-section{margin-bottom:24px;}
  .home-score-card{background:var(--card);border-radius:var(--radius-lg);box-shadow:var(--shadow-card);padding:20px 18px;}
  .home-score-input-title{margin:0 0 14px;font-size:14.5px;font-weight:700;color:var(--ink-1);}
  .home-score-sync-hint{display:flex;align-items:center;gap:4px;margin:-8px 0 14px;font-size:11.5px;font-weight:600;color:var(--brand);}
  .home-score-sync-hint i{font-size:12px;--ph-duotone-secondary-opacity:0;}
  .home-score-bracket-row{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:18px;}
  .home-score-bracket-chip{
    background:var(--card-soft);
    color:var(--ink-2);
    border:none;
    padding:9px 14px;
    border-radius:999px;
    font-size:13px;
    font-weight:700;
    cursor:pointer;
  }
  .home-score-bracket-chip.active{background:var(--brand);color:#fff;}
  .home-score-input-row{display:flex;align-items:center;gap:8px;background:var(--card-soft);border-radius:14px;padding:12px 14px;margin-bottom:8px;}
  .home-score-quick-add-row{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:12px;}
  .home-score-quick-add-btn{
    background:transparent;
    color:var(--brand);
    border:1.5px solid var(--brand-soft);
    padding:6px 12px;
    border-radius:999px;
    font-size:12px;
    font-weight:700;
    cursor:pointer;
  }
  .home-score-quick-add-btn:active{background:var(--brand-soft);}
  .home-score-input-label{flex-shrink:0;font-size:13px;font-weight:700;color:var(--ink-2);width:52px;}
  .home-score-input{flex:1;min-width:0;border:none;background:transparent;font-size:16px;font-weight:700;color:var(--ink-1);}
  .home-score-input::placeholder{color:var(--ink-3);}
  .home-score-input-suffix{font-size:13px;font-weight:700;color:var(--ink-3);}
  .home-score-submit-btn{
    width:100%;
    background:var(--brand);
    color:#fff;
    border:none;
    padding:14px;
    border-radius:14px;
    font-size:14.5px;
    font-weight:700;
    cursor:pointer;
    margin-top:4px;
  }
  .home-score-result-title{margin:0 0 16px;font-size:18px;font-weight:800;color:var(--ink-1);line-height:1.4;}
  .home-score-gauge-track{width:100%;height:10px;border-radius:999px;background:var(--card-soft);overflow:hidden;}
  .home-score-gauge-fill{height:100%;border-radius:999px;background:var(--brand);transition:width .3s ease;}
  .home-score-gauge-fill--score{background:var(--profit, #059669);}
  .home-score-caption{margin:8px 0 0;font-size:12.5px;font-weight:600;color:var(--ink-3);}
  .home-score-divider{height:1px;background:var(--line);margin:18px 0;}
  .home-score-sub-label{margin:0 0 6px;font-size:13px;font-weight:700;color:var(--ink-3);}
  .home-score-value{margin:0 0 14px;font-size:28px;font-weight:800;color:var(--brand);}
  .home-score-disclaimer{margin:12px 0 0;font-size:11.5px;color:var(--ink-3);line-height:1.5;}
  .home-score-edit-btn{width:100%;background:none;border:none;padding:14px 0 0;font-size:13px;font-weight:700;color:var(--ink-3);cursor:pointer;}

  /* 내 자산 현황 및 동향 대시보드 — Firestore(userAssets/{uid})에 저장된 현금/주식/부동산 자산을
     총자산 요약 + 구성비 바 차트로 보여주고, 같은 화면에서 바로 수정할 수 있게 한다. */
  .asset-dash-section{margin-bottom:24px;display:flex;flex-direction:column;gap:14px;}
  .asset-dash-card{background:var(--card);border-radius:var(--radius-lg);box-shadow:var(--shadow-card);padding:20px 18px;}
  .asset-dash-total-label{margin:0 0 6px;font-size:13px;font-weight:700;color:var(--ink-3);}
  .asset-dash-total-value{margin:0 0 16px;font-size:26px;font-weight:800;color:var(--ink-1);letter-spacing:-0.02em;}
  .asset-dash-bar-track{display:flex;width:100%;height:12px;border-radius:999px;overflow:hidden;background:var(--card-soft);margin-bottom:14px;}
  .asset-dash-bar-seg{height:100%;transition:width .3s ease;}
  .asset-dash-bar-seg--cash{background:#3182f6;}
  .asset-dash-bar-seg--stock{background:#585CE5;}
  .asset-dash-bar-seg--realestate{background:#059669;}
  .asset-dash-legend{display:flex;flex-direction:column;gap:10px;}
  .asset-dash-legend-item{display:flex;align-items:center;gap:8px;}
  .asset-dash-legend-dot{width:8px;height:8px;border-radius:50%;flex-shrink:0;}
  .asset-dash-legend-dot--cash{background:#3182f6;}
  .asset-dash-legend-dot--stock{background:#585CE5;}
  .asset-dash-legend-dot--realestate{background:#059669;}
  .asset-dash-legend-label{flex:1;font-size:13px;font-weight:600;color:var(--ink-2);}
  .asset-dash-legend-pct{font-size:13px;font-weight:700;color:var(--ink-1);}

  .asset-dash-form-title{margin:0 0 14px;font-size:14.5px;font-weight:700;color:var(--ink-1);}
  .asset-dash-input-row{display:flex;align-items:center;gap:8px;background:var(--card-soft);border-radius:14px;padding:12px 14px;margin-bottom:8px;}
  .asset-dash-input-label{flex-shrink:0;font-size:13px;font-weight:700;color:var(--ink-2);width:84px;}
  .asset-dash-input{flex:1;min-width:0;border:none;background:transparent;font-size:16px;font-weight:700;color:var(--ink-1);}
  .asset-dash-input::placeholder{color:var(--ink-3);}
  .asset-dash-input-suffix{font-size:13px;font-weight:700;color:var(--ink-3);}
  .asset-dash-quick-add-row{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:14px;}
  .asset-dash-quick-add-btn{
    background:transparent;
    color:var(--brand);
    border:1.5px solid var(--brand-soft);
    padding:6px 12px;
    border-radius:999px;
    font-size:12px;
    font-weight:700;
    cursor:pointer;
  }
  .asset-dash-quick-add-btn:active{background:var(--brand-soft);}
  .asset-dash-quick-add-btn--reset{
    color:var(--ink-3);
    border-color:var(--line);
  }
  .asset-dash-quick-add-btn--reset:hover{color:#dc2626;border-color:rgba(220,38,38,0.35);background:rgba(220,38,38,0.08);}
  .asset-dash-quick-add-btn--reset:active{background:rgba(220,38,38,0.12);}
  .asset-dash-save-btn{
    width:100%;
    background:var(--brand);
    color:#fff;
    border:none;
    padding:14px;
    border-radius:14px;
    font-size:14.5px;
    font-weight:700;
    cursor:pointer;
    margin-top:4px;
  }
  .asset-dash-save-btn:disabled{opacity:0.6;cursor:default;}

  @media (max-width:480px){
    .asset-dash-input-label{width:68px;font-size:12px;}
    .asset-goal-input-label{width:68px;font-size:12px;}
  }

  /* 자산 목표 트래커(SAVE 스타일) — home-score-card와 동일하게 입력 폼/결과 카드를 hidden으로 전환한다. */
  .asset-goal-section{margin-bottom:24px;}
  .asset-goal-card{background:var(--card);border-radius:var(--radius-lg);box-shadow:var(--shadow-card);padding:20px 18px;}
  .asset-goal-input-title{margin:0 0 14px;font-size:14.5px;font-weight:700;color:var(--ink-1);}
  .asset-goal-input-row{display:flex;align-items:center;gap:8px;background:var(--card-soft);border-radius:14px;padding:12px 14px;margin-bottom:8px;}
  .asset-goal-input-label{flex-shrink:0;font-size:13px;font-weight:700;color:var(--ink-2);width:84px;}
  .asset-goal-input{flex:1;min-width:0;border:none;background:transparent;font-size:16px;font-weight:700;color:var(--ink-1);font-family:inherit;}
  .asset-goal-input::placeholder{color:var(--ink-3);}
  .asset-goal-input-suffix{font-size:13px;font-weight:700;color:var(--ink-3);}
  .asset-goal-date-input{color-scheme:light;}

  .asset-goal-result-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:14px;}
  .asset-goal-result-title{margin:0;font-size:14.5px;font-weight:700;color:var(--ink-1);}
  .asset-goal-edit-btn{
    display:flex;align-items:center;justify-content:center;
    width:32px;height:32px;border-radius:10px;border:none;
    background:var(--card-soft);color:var(--ink-3);cursor:pointer;
    transition:background .15s ease, color .15s ease;
  }
  .asset-goal-edit-btn:hover{background:var(--brand-soft);color:var(--brand);}
  .asset-goal-edit-btn i{font-size:15px;--ph-duotone-secondary-opacity:0;}
  .asset-goal-pct{margin:0 0 10px;font-size:32px;font-weight:800;color:var(--brand);letter-spacing:-0.02em;}
  .asset-goal-gauge-track{width:100%;height:10px;border-radius:999px;background:var(--card-soft);overflow:hidden;}
  .asset-goal-gauge-fill{height:100%;border-radius:999px;background:var(--brand);transition:width .3s ease;}
  .asset-goal-caption{margin:10px 0 0;font-size:12.5px;font-weight:600;color:var(--ink-3);}
  .asset-goal-dday{margin:6px 0 0;font-size:12.5px;font-weight:700;color:var(--ink-2);}

  /* 월별 자산 변화 기록 */
  .asset-history-section{margin-bottom:24px;}
  .asset-history-card{background:var(--card);border-radius:var(--radius-lg);box-shadow:var(--shadow-card);padding:20px 18px;}
  .asset-history-head{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:14px;}
  .asset-history-title{margin:0;font-size:14.5px;font-weight:700;color:var(--ink-1);}
  .asset-history-record-btn{
    flex-shrink:0;background:var(--brand-soft);color:var(--brand);border:none;
    padding:9px 14px;border-radius:999px;font-size:12.5px;font-weight:800;cursor:pointer;
    transition:background .15s ease;
  }
  .asset-history-record-btn:hover{background:var(--brand-soft-2);}
  .asset-history-record-btn:disabled{opacity:0.6;cursor:default;}
  .asset-history-empty{margin:0;padding:24px 0;text-align:center;font-size:13px;font-weight:600;color:var(--ink-3);}
  .asset-history-list{display:flex;flex-direction:column;}
  .asset-history-item{
    display:flex;align-items:center;justify-content:space-between;gap:12px;
    padding:14px 0;border-bottom:1px solid var(--line);
  }
  .asset-history-item:last-child{border-bottom:none;}
  .asset-history-item-left{display:flex;flex-direction:column;gap:3px;min-width:0;}
  .asset-history-item-month{font-size:12.5px;font-weight:600;color:var(--ink-3);}
  .asset-history-item-total{font-size:14.5px;font-weight:800;color:var(--ink-1);letter-spacing:-0.02em;}
  .asset-history-item-delta{flex-shrink:0;font-size:13px;font-weight:800;letter-spacing:-0.02em;white-space:nowrap;text-align:right;}
  .asset-history-item-delta.positive{color:var(--profit, #059669);}
  .asset-history-item-delta.negative{color:#dc2626;}
  .asset-history-item-delta.neutral{color:var(--ink-3);}

  /* 오늘의 3초 자산 꿀팁 — 앱의 푸시 알림 리마인더에 대응하는 웹 전용 읽기 달성 카드 */
  .home-tip-section{margin-bottom:24px;}
  .home-tip-card{background:var(--card);border-radius:var(--radius-lg);box-shadow:var(--shadow-card);padding:18px;}
  .home-tip-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:10px;}
  .home-tip-badge{font-size:12.5px;font-weight:700;color:var(--brand);}
  .home-tip-streak{font-size:12px;font-weight:600;color:var(--ink-3);}
  .home-tip-text{margin:0 0 14px;font-size:14px;font-weight:500;color:var(--ink-1);line-height:1.55;}
  .home-tip-btn{
    width:100%;
    background:var(--card-soft);
    color:var(--ink-1);
    border:none;
    padding:12px;
    border-radius:12px;
    font-size:13.5px;
    font-weight:700;
    cursor:pointer;
    transition:background .15s ease, color .15s ease;
  }
  .home-tip-btn:hover{background:var(--brand-soft);color:var(--brand);}
  .home-tip-btn.done{background:var(--brand);color:#fff;}

  /* 3. 실시간 경제 뉴스 — 토스/당근마켓 벤치마킹, 장식 없이 타이포그래피 대비로만 위계를 만든 미니멀 피드 */
  .home-news-section{margin-bottom:24px;}
  .home-news-head{display:flex;align-items:center;justify-content:space-between;gap:8px;margin:0 0 12px;padding:0 16px;}
  .home-news-heading{margin:0;padding:0;font-size:18px;font-weight:700;color:var(--ink-1);letter-spacing:-0.02em;}
  .home-news-more{
    display:flex;
    align-items:center;
    gap:1px;
    font-size:13px;
    font-weight:600;
    color:#8e8e93;
    flex-shrink:0;
    transition:color .15s ease;
  }
  .home-news-more i{font-size:12px;--ph-duotone-secondary-opacity:0;}
  .home-news-more:hover{color:var(--brand-2);}

  .home-news-list{background:var(--card);border-radius:16px;max-height:420px;overflow-y:auto;-webkit-overflow-scrolling:touch;}
  @media (min-width:961px){ .home-news-list{max-height:630px;} }
  .home-news-item{
    display:block;
    padding:12px 16px;
    border-bottom:1px solid #f0f0f0;
  }
  .home-news-item:last-child{border-bottom:none;}
  .home-news-title{
    margin:0;
    font-size:14.5px;
    font-weight:600;
    color:var(--ink-1);
    line-height:1.4;
    word-break:keep-all;
    display:-webkit-box;
    -webkit-line-clamp:2;
    line-clamp:2;
    -webkit-box-orient:vertical;
    overflow:hidden;
  }
  .home-news-meta{margin:4px 0 0;font-size:12px;font-weight:400;color:#8e8e93;}

  .home-news-item.skeleton{
    height:50px;
    margin:12px 16px;
    padding:0;
    border:none;
    border-radius:8px;
    background:linear-gradient(90deg, var(--card-soft) 25%, #eef0f2 37%, var(--card-soft) 63%);
    background-size:400% 100%;
    animation:homeNewsSkeletonPulse 1.5s ease infinite;
  }
  @keyframes homeNewsSkeletonPulse{ 0%{background-position:100% 50%;} 100%{background-position:0 50%;} }

  .home-news-empty{margin:0;padding:32px 16px;font-size:13.5px;font-weight:500;color:var(--ink-3);text-align:center;}

  /* 1. AI 자산파일럿 서포터 — 제미나이 그라디언트 포인트를 준 카드형 검색창 (홈 최상단 배치) */
  .home-ai-section{margin:8px 0 24px;}
  .home-ai-card{
    background:linear-gradient(135deg, var(--card) 0%, var(--card-soft) 100%);
    border-radius:16px;
    box-shadow:var(--shadow-card);
    padding:18px;
  }
  .home-ai-card-head{display:flex;align-items:center;gap:8px;margin-bottom:14px;}
  .home-ai-card-head h3{margin:0;font-size:15px;font-weight:700;color:var(--ink-1);letter-spacing:-0.02em;}
  .home-ai-intro{margin:0 0 10px;font-size:13px;font-weight:600;color:var(--ink-2);}
  .home-ai-chips{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:12px;}
  .home-ai-chip{
    background:var(--card-soft);
    color:var(--ink-2);
    border:none;
    padding:7px 12px;
    border-radius:999px;
    font-size:12px;
    font-weight:600;
    cursor:pointer;
    white-space:nowrap;
    transition:background .15s ease, color .15s ease, transform .15s ease;
  }
  .home-ai-chip:hover{background:var(--brand-soft);color:var(--brand);}
  .home-ai-chip:active{transform:scale(0.96);}
  .home-ai-icon{flex-shrink:0;}

  /* 포트폴리오 분석 작성 가이드 카드 — "내 포트폴리오 분석" 칩을 누르면 나타나 [종목명: 비중]
     예시 양식을 실제 카드로 보여준다. */
  .home-ai-guide-card{
    background:var(--brand-soft);
    border:1px solid rgba(88,92,229,0.16);
    border-radius:16px;
    padding:14px 16px;
    margin-bottom:12px;
  }
  .home-ai-guide-head{display:flex;align-items:flex-start;gap:8px;margin-bottom:10px;}
  .home-ai-guide-title{flex:1;margin:0;font-size:12.5px;font-weight:600;color:var(--ink-2);line-height:1.5;}
  .home-ai-guide-title i{color:var(--brand);margin-right:3px;font-size:13px;--ph-duotone-secondary-opacity:0;}
  .home-ai-guide-title b{color:var(--brand);font-weight:800;}
  .home-ai-guide-close{
    flex-shrink:0;display:flex;align-items:center;justify-content:center;
    width:24px;height:24px;border-radius:8px;border:none;
    background:transparent;color:var(--ink-3);cursor:pointer;
  }
  .home-ai-guide-close:hover{background:rgba(255,255,255,0.5);color:var(--ink-1);}
  .home-ai-guide-close i{font-size:13px;--ph-duotone-secondary-opacity:0;}
  .home-ai-guide-example{
    background:var(--card);
    border-radius:12px;
    padding:10px 14px;
    margin-bottom:10px;
  }
  .home-ai-guide-example-row{
    display:flex;align-items:center;justify-content:space-between;gap:10px;
    padding:5px 0;font-size:13px;
  }
  .home-ai-guide-example-row span{color:var(--ink-2);font-weight:600;}
  .home-ai-guide-example-row b{color:var(--brand);font-weight:800;}
  .home-ai-guide-apply-btn{
    display:flex;align-items:center;justify-content:center;gap:6px;
    width:100%;background:var(--brand);color:#fff;border:none;
    padding:11px;border-radius:12px;font-size:12.5px;font-weight:700;cursor:pointer;
    transition:opacity .15s ease;
  }
  .home-ai-guide-apply-btn:hover{opacity:0.9;}
  .home-ai-guide-apply-btn i{font-size:14px;--ph-duotone-secondary-opacity:0;}

  .home-ai-input-wrap{position:relative;}
  .home-ai-input-box{position:relative;}
  .home-ai-input-icon{position:absolute;left:16px;top:17px;pointer-events:none;}
  .home-ai-input{
    display:block;
    width:100%;
    box-sizing:border-box;
    background:var(--card-soft);
    border:none;
    border-radius:999px;
    padding:15px 108px 15px 44px;
    font-family:inherit;
    font-size:14.5px;
    font-weight:500;
    line-height:1.5;
    color:var(--ink-1);
    resize:none;
    min-height:52px;
    max-height:160px;
    overflow-y:hidden;
  }
  .home-ai-input::placeholder{color:var(--ink-3);}
  .home-ai-input:focus{outline:2px solid var(--brand-soft);}
  .home-ai-submit-btn{
    position:absolute;
    right:6px;
    bottom:6px;
    flex-shrink:0;
    background:#2d3a82;
    color:#fff;
    border:none;
    height:40px;
    padding:0 18px;
    border-radius:999px;
    font-size:13.5px;
    font-weight:700;
    cursor:pointer;
    white-space:nowrap;
    transition:opacity .15s ease, transform .15s ease;
  }
  .home-ai-submit-btn:active{transform:scale(0.97);}
  .home-ai-submit-btn:disabled{opacity:0.5;cursor:default;}

  .home-ai-foot{display:flex;align-items:center;justify-content:space-between;gap:10px;margin:12px 4px 0;}
  .home-ai-cost-hint{margin:0;font-size:11.5px;font-weight:500;color:var(--ink-3);}
  .home-ai-cost-hint b{color:var(--ink-2);font-weight:700;}
  .home-ai-charge-link{
    display:flex;
    align-items:center;
    gap:2px;
    font-size:11.5px;
    font-weight:700;
    color:var(--brand);
    flex-shrink:0;
    white-space:nowrap;
  }
  .home-ai-charge-link i{font-size:11px;--ph-duotone-secondary-opacity:0;}

  @media (max-width:420px){
    .home-ai-input{padding-right:14px;}
    .home-ai-submit-btn{position:static;transform:none;width:100%;margin-top:10px;}
  }
  .home-ai-answer{
    margin-top:12px;
    padding-top:12px;
    border-top:1px solid var(--line);
    font-size:13px;
    font-weight:500;
    color:var(--ink-2);
    line-height:1.6;
    word-break:keep-all;
  }
  /* marked가 만들어주는 마크다운 요소 스타일 — 굵기/간격 대비로만 위계를 주는 기존 톤 유지 */
  .home-ai-answer p{margin:0 0 10px;}
  .home-ai-answer p:last-child{margin-bottom:0;}
  .home-ai-answer strong{color:var(--ink-1);font-weight:700;}
  .home-ai-answer ul,
  .home-ai-answer ol{margin:0 0 10px;padding-left:18px;}
  .home-ai-answer li{margin-bottom:4px;}
  .home-ai-answer li:last-child{margin-bottom:0;}
  .home-ai-answer a{color:var(--brand-2);text-decoration:underline;text-underline-offset:2px;}
  .home-ai-answer code{
    background:var(--card-soft);
    padding:2px 5px;
    border-radius:5px;
    font-size:12px;
  }
  .home-ai-answer h1,
  .home-ai-answer h2,
  .home-ai-answer h3{margin:0 0 8px;font-size:14px;font-weight:700;color:var(--ink-1);}

  /* 포트폴리오 분석 답변 섹션 카드 — 서버가 ## 진단 요약/리스크/개선 제안 3개 헤더로 답하면
     JS(wrapAiAnswerSections)가 각 헤더+본문을 이 카드로 감싼다. 헤더가 없는 일반 답변에는
     적용되지 않는다. */
  .home-ai-answer-section{
    background:var(--card-soft);
    border-radius:14px;
    padding:14px 16px;
    margin:0 0 10px;
  }
  .home-ai-answer-section:last-child{margin-bottom:0;}
  .home-ai-answer-section h2{
    margin:0 0 8px !important;
    font-size:13.5px !important;
    font-weight:800 !important;
    color:var(--ink-1);
  }
  .home-ai-answer-section > *:last-child{margin-bottom:0;}
  .home-ai-answer-section--summary{border-left:3px solid var(--brand);}
  .home-ai-answer-section--risk{border-left:3px solid #dc2626;background:rgba(220,38,38,0.05);}
  .home-ai-answer-section--action{border-left:3px solid var(--profit, #059669);background:rgba(5,150,105,0.06);}

  /* ---------- Generic "coming soon" full page teaser ---------- */
  .view-teaser{
    max-width:420px;
    margin:0 auto;
    padding:96px 20px 64px;
    text-align:center;
  }
  .view-teaser-icon{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    width:64px;height:64px;
    border-radius:20px;
    background:#eceef1;
    margin-bottom:20px;
  }
  .view-teaser-icon i{
    font-size:30px;
    color:var(--ink-3);
    --ph-duotone-secondary-color:var(--ink-3);
    --ph-duotone-secondary-opacity:0.18;
  }
  .view-teaser .badge.soon{
    display:inline-block;
    margin-bottom:14px;
  }
  .view-teaser h2{
    margin:0 0 10px;
    font-size:22px;
    font-weight:800;
    letter-spacing:-0.03em;
    color:var(--ink-1);
  }
  .view-teaser p{
    margin:0;
    font-size:14px;
    font-weight:500;
    color:var(--ink-3);
    line-height:1.6;
    word-break:keep-all;
  }

  /* ---------- Toast ---------- */
  .toast{
    position:fixed;
    left:50%;
    bottom:28px;
    transform:translateX(-50%) translateY(20px);
    background:#191f28;
    color:#fff;
    padding:14px 20px;
    border-radius:14px;
    font-size:13.5px;
    font-weight:600;
    display:flex;
    align-items:center;
    gap:8px;
    opacity:0;
    pointer-events:none;
    transition:opacity .25s ease, transform .25s ease;
    z-index:50;
    box-shadow:0 12px 30px -8px rgba(0,0,0,0.35);
    white-space:nowrap;
  }
  .toast.show{opacity:1;transform:translateX(-50%) translateY(0);}
  .toast i{font-size:16px;color:var(--brand-2);--ph-duotone-secondary-opacity:0.2;}

  /* ---------- fincalc: 통합 계산기 마스터 모달 레이어 ---------- */
  .fincalc-overlay{
    position:fixed;
    inset:0;
    background:rgba(0,0,0,0.4);
    backdrop-filter:blur(8px);
    -webkit-backdrop-filter:blur(8px);
    z-index:300;
    display:none;
    align-items:center;
    justify-content:center;
    padding:24px;
    opacity:0;
    transition:opacity .25s ease;
  }
  .fincalc-overlay.show{display:flex;opacity:1;}

  .fincalc-modal{
    width:100%;
    max-width:800px;
    height:min(720px, 88vh);
    background:var(--card);
    border-radius:28px;
    box-shadow:0 24px 70px -20px rgba(15,23,42,0.35);
    display:flex;
    flex-direction:column;
    overflow:hidden;
    transform:translateY(20px);
    opacity:0;
    transition:transform .3s cubic-bezier(.16,1,.3,1), opacity .3s ease;
    letter-spacing:-0.03em;
  }
  .fincalc-overlay.show .fincalc-modal{
    transform:translateY(0);
    opacity:1;
  }

  .fincalc-topbar{
    display:flex;
    align-items:center;
    justify-content:space-between;
    padding:18px 20px;
    border-bottom:1px solid var(--line);
    flex-shrink:0;
  }
  .fincalc-title-wrap{display:flex;align-items:center;gap:10px;min-width:0;}
  .fincalc-icon{
    width:36px;height:36px;
    border-radius:11px;
    background:var(--brand-soft);
    display:flex;align-items:center;justify-content:center;
    flex-shrink:0;
  }
  .fincalc-icon i{font-size:19px;color:var(--brand);--ph-duotone-secondary-opacity:0.14;}
  .fincalc-title{
    font-size:16px;
    font-weight:800;
    color:var(--ink-1);
    letter-spacing:-0.03em;
    overflow:hidden;
    text-overflow:ellipsis;
    white-space:nowrap;
  }

  .fincalc-close-btn{
    width:36px;height:36px;
    flex-shrink:0;
    border-radius:999px;
    border:none;
    background:var(--card-soft);
    color:var(--ink-2);
    display:flex;align-items:center;justify-content:center;
    cursor:pointer;
    transition:background .15s ease, transform .15s ease;
  }
  .fincalc-close-btn i{font-size:18px;--ph-duotone-secondary-opacity:0;}
  .fincalc-close-btn:hover{background:var(--line);}
  .fincalc-close-btn:active{transform:scale(0.92);}

  .fincalc-body{
    flex:1;
    min-height:0;
    overflow:hidden;
    position:relative;
    letter-spacing:-0.03em;
  }
  .fincalc-body iframe{
    display:block;
    width:100%;
    height:100%;
    border:none;
    background:var(--card-soft);
  }

  .fincalc-loading{
    position:absolute;
    inset:0;
    display:flex;
    align-items:center;
    justify-content:center;
    background:var(--card);
  }
  .fincalc-spinner{
    width:28px;height:28px;
    border-radius:50%;
    border:3px solid var(--line);
    border-top-color:var(--brand);
    animation:fincalc-spin .7s linear infinite;
  }
  @keyframes fincalc-spin{ to{ transform:rotate(360deg); } }

  .fincalc-soon{
    flex:1;
    display:flex;
    flex-direction:column;
    align-items:center;
    justify-content:center;
    text-align:center;
    padding:60px 24px;
    letter-spacing:-0.03em;
  }
  .fincalc-soon-icon{
    width:64px;height:64px;
    border-radius:20px;
    background:var(--card-soft);
    display:flex;align-items:center;justify-content:center;
    margin-bottom:18px;
  }
  .fincalc-soon-icon i{font-size:30px;color:var(--ink-3);--ph-duotone-secondary-color:var(--ink-3);}
  .fincalc-soon h3{margin:0 0 8px;font-size:18px;font-weight:800;color:var(--ink-1);}
  .fincalc-soon p{margin:0;font-size:13.5px;color:var(--ink-3);font-weight:500;}

  @media (max-width:640px){
    .fincalc-overlay{padding:0;align-items:flex-end;}
    .fincalc-modal{
      max-width:100%;height:92vh;border-radius:24px 24px 0 0;
      padding-bottom:env(safe-area-inset-bottom, 0px);
    }
  }

  /* ---------- 증권시장 대시보드 (TradingView 위젯) ---------- */
  .market-head{padding:28px 2px 20px;}
  @media (min-width:640px){ .market-head{padding:36px 2px 24px;} }
  .market-head h2{
    margin:0 0 6px;
    font-size:20px;
    font-weight:800;
    letter-spacing:-0.03em;
    color:var(--ink-1);
  }
  .market-head p{
    margin:0;
    font-size:13.5px;
    font-weight:500;
    color:var(--ink-3);
  }

  .index-grid{
    display:grid;
    grid-template-columns:repeat(3, 1fr);
    gap:16px;
    margin-bottom:20px;
  }
  @media (max-width:767px){
    /* 모바일에서는 3장이 눌려 찌그러지는 대신, 가로로 스와이프하는 큼직한 캐러셀 카드로 전환 */
    .index-grid{
      display:flex;
      grid-template-columns:none;
      gap:12px;
      overflow-x:auto;
      scroll-snap-type:x mandatory;
      -webkit-overflow-scrolling:touch;
      scrollbar-width:none;
      margin:0 -20px 20px;
      padding:0 20px;
    }
    .index-grid::-webkit-scrollbar{display:none;}
    .index-grid .index-card{
      flex:0 0 82%;
      scroll-snap-align:center;
    }
  }

  .index-card{
    background:linear-gradient(180deg, rgba(88,92,229,0.07), #ffffff 60%);
    border-radius:20px;
    box-shadow:0 4px 20px rgba(0,0,0,0.03);
    padding:20px 18px 16px;
    overflow:visible;
  }
  .index-card-head{
    display:flex;
    align-items:baseline;
    gap:8px;
    margin-bottom:10px;
  }
  .index-card-name{
    font-size:15px;
    font-weight:800;
    color:var(--ink-1);
    letter-spacing:-0.03em;
  }
  .index-card-code{
    font-size:11px;
    font-weight:700;
    color:var(--ink-3);
    letter-spacing:0.02em;
  }
  .index-card-widget{
    height:170px;
    min-height:170px;
    margin:0 -6px;
  }
  .index-card-widget .tradingview-widget-container,
  .index-card-widget .tradingview-widget-container__widget{
    height:100%;
    width:100%;
  }
  .index-card-widget .tv-loading{
    height:100%;
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:12px;
    font-weight:600;
    color:var(--ink-3);
  }

  .main-chart-card{
    background:#ffffff;
    border-radius:24px;
    box-shadow:0 4px 20px rgba(0,0,0,0.03);
    padding:20px;
    margin-bottom:32px;
  }
  @media (min-width:640px){ .main-chart-card{padding:24px;} }

  .main-chart-head{
    display:flex;
    align-items:center;
    margin-bottom:16px;
  }

  .market-toggle-tabs{
    display:inline-flex;
    background:#f2f4f6;
    border-radius:30px;
    padding:4px;
    gap:4px;
  }
  .market-toggle-tabs .toggle-tab{
    padding:10px 20px;
    border-radius:26px;
    border:none;
    background:transparent;
    color:var(--ink-3);
    font-size:13.5px;
    font-weight:700;
    letter-spacing:-0.03em;
    cursor:pointer;
    transition:background .18s cubic-bezier(.4,0,.2,1), color .18s ease, box-shadow .18s ease;
  }
  .market-toggle-tabs .toggle-tab.active{
    background:#ffffff;
    color:var(--brand);
    box-shadow:0 2px 8px rgba(15,23,42,0.08);
  }
  .market-toggle-tabs .toggle-tab .tab-soon-badge{
    display:inline-block;
    margin-left:5px;
    padding:1px 6px;
    border-radius:999px;
    background:#e4e7eb;
    color:var(--ink-3);
    font-size:9.5px;
    font-weight:800;
    letter-spacing:-0.01em;
    vertical-align:middle;
  }

  .main-chart-body{
    width:100%;
    height:520px;
    border-radius:16px;
    overflow:hidden;
    background:var(--card-soft);
  }
  @media (max-width:767px){
    .main-chart-body{height:420px;}
  }
  .main-chart-body iframe{width:100% !important;}

  .market-chart-soon{
    height:100%;
    display:flex;
    flex-direction:column;
    align-items:center;
    justify-content:center;
    text-align:center;
    padding:40px 24px;
  }
  .market-chart-soon-icon{
    width:56px;height:56px;
    border-radius:18px;
    background:#ffffff;
    box-shadow:0 1px 3px rgba(15,23,42,0.06);
    display:flex;
    align-items:center;
    justify-content:center;
    margin-bottom:16px;
  }
  .market-chart-soon-icon i{
    font-size:26px;
    color:var(--ink-3);
    --ph-duotone-secondary-color:var(--ink-3);
  }
  .market-chart-soon h3{
    margin:0 0 8px;
    font-size:16px;
    font-weight:800;
    letter-spacing:-0.03em;
    color:var(--ink-1);
  }
  .market-chart-soon p{
    margin:0;
    font-size:13px;
    font-weight:500;
    line-height:1.6;
    color:var(--ink-3);
  }

  /* ==================================================
     금융 — 실시간 최저/최고 금리 비교 대시보드
     ================================================== */
  .finance-head{padding:28px 2px 20px;}
  @media (min-width:640px){ .finance-head{padding:36px 2px 24px;} }
  .finance-head h2{
    margin:0 0 6px;
    font-size:20px;
    font-weight:800;
    letter-spacing:-0.03em;
    color:var(--ink-1);
    transition:opacity .18s ease;
  }
  .finance-head p{
    margin:0;
    font-size:13.5px;
    font-weight:500;
    color:var(--ink-3);
    transition:opacity .18s ease;
  }

  .finance-ad-card{
    position:relative;
    display:flex;
    align-items:center;
    gap:14px;
    background:linear-gradient(135deg, var(--brand-soft) 0%, var(--brand-soft-2) 100%);
    border:1px solid rgba(88,92,229,0.14);
    border-radius:var(--radius-lg);
    padding:20px 22px;
    margin-bottom:20px;
    transition:opacity .18s ease, transform .18s ease;
  }
  .finance-ad-badge{
    position:absolute;
    top:14px;
    right:16px;
    font-size:10px;
    font-weight:800;
    letter-spacing:0.02em;
    color:#b5b9c2;
    background:rgba(255,255,255,0.7);
    padding:3px 7px;
    border-radius:999px;
  }
  [data-theme="dark"] .finance-ad-badge{
    color:#6b7280;
    background:rgba(0,0,0,0.25);
  }
  .finance-ad-icon{
    flex-shrink:0;
    width:48px;height:48px;
    border-radius:16px;
    background:#ffffff;
    box-shadow:0 2px 8px rgba(15,23,42,0.06);
    display:flex;
    align-items:center;
    justify-content:center;
  }
  .finance-ad-icon i{font-size:23px;}
  .finance-ad-body{min-width:0;flex:1;}
  .finance-ad-bank{
    font-size:12px;
    font-weight:700;
    color:var(--brand);
    margin:0 0 3px;
  }
  .finance-ad-title{
    font-size:15px;
    font-weight:800;
    color:var(--ink-1);
    letter-spacing:-0.03em;
    margin:0 0 4px;
    word-break:keep-all;
  }
  .finance-ad-desc{
    font-size:12.5px;
    font-weight:500;
    color:var(--ink-2);
    margin:0;
    word-break:keep-all;
  }
  .finance-ad-rate{
    flex-shrink:0;
    text-align:right;
  }
  .finance-ad-rate .num{
    font-size:19px;
    font-weight:800;
    color:var(--brand);
    letter-spacing:-0.03em;
    white-space:nowrap;
  }
  .finance-ad-rate .lbl{
    display:block;
    font-size:10.5px;
    font-weight:700;
    color:var(--ink-3);
    margin-top:2px;
  }
  @media (max-width:560px){
    .finance-ad-card{flex-wrap:wrap;padding:18px 18px 16px;}
    .finance-ad-rate{margin-left:62px;text-align:left;}
  }

  .finance-filter-row{
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:12px;
    margin-bottom:14px;
    flex-wrap:wrap;
  }
  .finance-filter-pills{
    display:inline-flex;
    background:var(--bg);
    border-radius:30px;
    padding:4px;
    gap:4px;
  }
  .finance-filter-pill{
    padding:9px 16px;
    border-radius:26px;
    border:none;
    background:transparent;
    color:var(--ink-3);
    font-size:12.5px;
    font-weight:700;
    letter-spacing:-0.03em;
    cursor:pointer;
    transition:background .18s ease, color .18s ease, box-shadow .18s ease;
    white-space:nowrap;
  }
  .finance-filter-pill.active{
    background:var(--card);
    color:var(--brand);
    box-shadow:0 2px 8px rgba(15,23,42,0.08);
  }
  .finance-filter-count{
    font-size:12px;
    font-weight:600;
    color:var(--ink-3);
    flex-shrink:0;
  }

  .finance-rank-list{
    display:flex;
    flex-direction:column;
    gap:10px;
    margin-bottom:24px;
  }
  .finance-rank-item{
    display:flex;
    align-items:center;
    gap:14px;
    background:var(--card);
    border-radius:18px;
    box-shadow:0 2px 10px rgba(15,23,42,0.04);
    padding:16px 18px;
    cursor:pointer;
    transition:box-shadow .15s ease, transform .15s ease, opacity .25s ease;
  }
  .finance-rank-chevron{flex-shrink:0;font-size:15px;color:var(--ink-3);--ph-duotone-secondary-opacity:0;}

  .finance-loading{
    display:flex;
    flex-direction:column;
    align-items:center;
    gap:12px;
    padding:56px 20px;
    color:var(--ink-3);
    font-size:13px;
    font-weight:600;
  }
  .finance-loading[hidden]{display:none;}
  .finance-spinner{
    width:28px;height:28px;
    border-radius:50%;
    border:3px solid var(--card-soft);
    border-top-color:var(--brand);
    animation:financeSpin 0.8s linear infinite;
  }
  @keyframes financeSpin{ to{ transform:rotate(360deg); } }

  .finance-error{
    display:flex;
    flex-direction:column;
    align-items:center;
    gap:10px;
    padding:56px 20px;
    color:var(--ink-3);
    font-size:13px;
    font-weight:600;
    text-align:center;
  }
  .finance-error[hidden]{display:none;}
  .finance-error i{font-size:32px;--ph-duotone-secondary-opacity:0;}
  .finance-rank-item:hover{
    box-shadow:0 6px 18px rgba(15,23,42,0.08);
  }
  .finance-rank-num{
    flex-shrink:0;
    width:28px;height:28px;
    border-radius:9px;
    background:var(--bg);
    color:var(--ink-3);
    font-size:12.5px;
    font-weight:800;
    display:flex;
    align-items:center;
    justify-content:center;
  }
  .finance-rank-item[data-rank="1"] .finance-rank-num{background:#fef3c7;color:#b45309;}
  .finance-rank-item[data-rank="2"] .finance-rank-num{background:#e5e7eb;color:#4b5563;}
  .finance-rank-item[data-rank="3"] .finance-rank-num{background:#fde8e0;color:#c2410c;}
  [data-theme="dark"] .finance-rank-item[data-rank="1"] .finance-rank-num{background:rgba(245,158,11,0.22);color:#fbbf24;}
  [data-theme="dark"] .finance-rank-item[data-rank="2"] .finance-rank-num{background:rgba(156,163,175,0.22);color:#d1d5db;}
  [data-theme="dark"] .finance-rank-item[data-rank="3"] .finance-rank-num{background:rgba(249,115,22,0.22);color:#fdba74;}

  .finance-rank-info{flex:1;min-width:0;}
  .finance-rank-bank{
    font-size:12px;
    font-weight:700;
    color:var(--ink-3);
    margin:0 0 2px;
  }
  .finance-rank-name{
    font-size:14.5px;
    font-weight:800;
    color:var(--ink-1);
    letter-spacing:-0.03em;
    margin:0 0 6px;
    word-break:keep-all;
  }
  .finance-rank-tags{
    display:flex;
    flex-wrap:wrap;
    gap:6px;
  }
  .finance-rank-tag{
    display:inline-flex;
    align-items:center;
    font-size:10.5px;
    font-weight:700;
    color:var(--ink-3);
    background:var(--bg);
    padding:3px 8px;
    border-radius:999px;
    white-space:nowrap;
  }
  .finance-rank-tag.guarantee{color:var(--brand);background:var(--brand-soft);}

  .finance-rank-rates{
    flex-shrink:0;
    text-align:right;
  }
  .finance-rank-rate-primary{
    display:flex;
    align-items:center;
    justify-content:flex-end;
    gap:3px;
    font-size:17px;
    font-weight:800;
    color:var(--brand);
    letter-spacing:-0.03em;
    white-space:nowrap;
  }
  .finance-rate-info-btn{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    width:16px;height:16px;
    border:none;
    background:none;
    color:var(--ink-3);
    cursor:pointer;
    flex-shrink:0;
    padding:0;
  }
  .finance-rate-info-btn i{font-size:13px;--ph-duotone-secondary-opacity:0;}
  .finance-rank-rate-secondary{
    font-size:11.5px;
    font-weight:600;
    color:var(--ink-3);
    margin-top:2px;
    white-space:nowrap;
  }
  .finance-rank-prepay{color:var(--ink-3);opacity:0.85;}

  .finance-disclaimer{
    display:flex;
    gap:8px;
    align-items:flex-start;
    padding:2px 4px 40px;
  }
  .finance-disclaimer[hidden]{display:none;}
  .finance-disclaimer i{font-size:15px;color:var(--ink-3);--ph-duotone-secondary-opacity:0;flex-shrink:0;margin-top:1px;}
  .finance-disclaimer-body{display:flex;flex-direction:column;gap:6px;}
  .finance-disclaimer-asof{
    margin:0;
    font-size:11.5px;
    font-weight:700;
    color:var(--ink-2);
  }
  .finance-disclaimer p{
    margin:0;
    font-size:12px;
    line-height:1.55;
    color:var(--ink-3);
    font-weight:500;
  }

  @media (max-width:560px){
    .finance-rank-item{
      flex-wrap:wrap;
      align-items:flex-start;
    }
    .finance-rank-info{
      flex-basis:calc(100% - 42px);
    }
    .finance-rank-rates{
      flex-basis:100%;
      text-align:left;
      margin-top:10px;
      padding-top:10px;
      border-top:1px solid var(--line);
      display:flex;
      align-items:baseline;
      gap:8px;
    }
    .finance-rank-rate-secondary{margin-top:0;}
  }

  /* ==================================================
     금융 캘린더 — 월별 금융 스케줄러
     ================================================== */
  .calendar-page-head{padding:28px 2px 20px;display:flex;align-items:flex-start;justify-content:space-between;gap:12px;}
  @media (min-width:640px){ .calendar-page-head{padding:36px 2px 24px;} }
  .calendar-add-personal-btn{
    flex-shrink:0;display:flex;align-items:center;gap:6px;
    background:var(--brand-soft);color:var(--brand);border:none;border-radius:999px;
    padding:9px 16px;font-size:12.5px;font-weight:800;cursor:pointer;white-space:nowrap;font-family:inherit;
  }
  .calendar-add-personal-btn i{font-size:14px;}
  .calendar-page-head h2{
    margin:0 0 6px;
    font-size:20px;
    font-weight:800;
    letter-spacing:-0.03em;
    color:var(--ink-1);
  }
  .calendar-page-head p{
    margin:0;
    font-size:13.5px;
    font-weight:500;
    color:var(--ink-3);
  }

  .calendar-layout{
    display:grid;
    grid-template-columns:1fr;
    gap:24px;
    padding-bottom:40px;
  }
  @media (min-width:960px){
    .calendar-layout{grid-template-columns:minmax(0,1fr) 260px;align-items:start;}
  }

  .calendar-main{min-width:0;}

  .calendar-nav{
    display:flex;
    align-items:center;
    justify-content:center;
    gap:20px;
    margin-bottom:20px;
  }
  .calendar-nav-btn{
    width:36px;height:36px;
    border-radius:12px;
    border:none;
    background:var(--card);
    box-shadow:0 2px 8px rgba(15,23,42,0.05);
    color:var(--ink-2);
    display:flex;
    align-items:center;
    justify-content:center;
    cursor:pointer;
    transition:background .15s ease, transform .15s ease, color .15s ease;
  }
  .calendar-nav-btn i{--ph-duotone-secondary-opacity:0;font-size:16px;}
  .calendar-nav-btn:hover{background:var(--brand-soft);color:var(--brand);}
  .calendar-nav-btn:active{transform:scale(0.92);}
  .calendar-month-label{
    font-size:17px;
    font-weight:800;
    color:var(--ink-1);
    letter-spacing:-0.03em;
    min-width:120px;
    text-align:center;
  }

  .calendar-weekday-row{
    display:grid;
    grid-template-columns:repeat(7,1fr);
    margin-bottom:6px;
  }
  .calendar-weekday{
    text-align:center;
    font-size:12px;
    font-weight:700;
    color:var(--ink-3);
    padding:6px 0;
  }
  .calendar-weekday.sun{color:#e11d48;}
  .calendar-weekday.sat{color:var(--brand-2);}

  .calendar-grid{
    display:grid;
    grid-template-columns:repeat(7,1fr);
    gap:2px;
    background:var(--card);
    border-radius:20px;
    padding:8px;
    box-shadow:0 2px 10px rgba(15,23,42,0.04);
    margin-bottom:20px;
  }
  .calendar-day-cell{
    aspect-ratio:1/1;
    display:flex;
    flex-direction:column;
    align-items:center;
    justify-content:center;
    border-radius:12px;
    position:relative;
    cursor:pointer;
    transition:background-color .15s ease;
  }
  .calendar-day-cell[data-day]:hover{background:rgba(88,92,229,0.05);}
  .calendar-day-num{
    font-size:13px;
    font-weight:600;
    color:var(--ink-1);
    transition:color .15s ease;
  }
  .calendar-day-cell.other-month{cursor:default;}
  .calendar-day-cell.other-month .calendar-day-num{color:#d1d5db;}
  .calendar-day-cell.is-today{background:var(--brand-soft);border-radius:50%;}
  .calendar-day-cell.is-today .calendar-day-num{color:var(--brand);font-weight:800;}
  /* 유저가 직접 선택한 날짜: 브랜드 딥블루 원형 하이라이트로 오늘 표시와 명확히 대조 */
  .calendar-day-cell.is-selected{background:var(--brand);border-radius:50%;}
  .calendar-day-cell.is-selected .calendar-day-num{color:#fff;font-weight:800;}
  .calendar-day-cell.is-selected .calendar-day-dot{background:#fff;}
  .calendar-day-dot{
    width:5px;height:5px;
    border-radius:50%;
    background:var(--brand-2);
    margin-top:4px;
  }

  .calendar-filter-pills{
    display:flex;
    flex-wrap:wrap;
    gap:6px;
    margin-bottom:22px;
  }
  .calendar-filter-pill{
    padding:9px 16px;
    border-radius:999px;
    border:none;
    background:var(--card-soft);
    color:var(--ink-3);
    font-size:12.5px;
    font-weight:700;
    letter-spacing:-0.03em;
    cursor:pointer;
    transition:background .18s ease, color .18s ease;
  }
  .calendar-filter-pill.active{
    background:var(--brand);
    color:#fff;
  }

  /* 날짜를 탭하면 캘린더 바로 밑에서 펼쳐지는 패널 — 아래 타임라인까지 스크롤해서 찾아가지 않아도
     되도록, 그 날짜의 일정만 이 자리에서 바로 보여준다. */
  .calendar-selected-day-panel{
    background:var(--card-soft);
    border-radius:var(--radius-lg);
    padding:16px;
    margin-bottom:22px;
    animation:calendarSelectedDayIn .2s ease;
  }
  @keyframes calendarSelectedDayIn{
    from{opacity:0;transform:translateY(-6px);}
    to{opacity:1;transform:translateY(0);}
  }
  .calendar-selected-day-heading{
    display:flex;
    align-items:center;
    justify-content:space-between;
    margin-bottom:12px;
  }
  .calendar-selected-day-heading span{
    font-size:14.5px;
    font-weight:800;
    color:var(--ink-1);
    letter-spacing:-0.02em;
  }
  .calendar-selected-day-close{
    display:flex;align-items:center;justify-content:center;
    width:28px;height:28px;border-radius:999px;
    border:none;background:var(--card);color:var(--ink-3);
    cursor:pointer;
  }
  .calendar-selected-day-close i{font-size:14px;--ph-duotone-secondary-opacity:0;}
  .calendar-selected-day-events{display:flex;flex-direction:column;gap:8px;}
  .calendar-selected-day-empty{
    margin:0;padding:20px 0;text-align:center;
    font-size:13px;color:var(--ink-3);
  }

  .calendar-timeline{display:flex;flex-direction:column;gap:24px;}

  .calendar-date-heading{
    display:flex;
    align-items:baseline;
    gap:8px;
    margin-bottom:10px;
    padding-left:2px;
  }
  .calendar-date-num{
    font-size:17px;
    font-weight:800;
    color:var(--ink-1);
    letter-spacing:-0.03em;
  }
  .calendar-date-weekday{
    font-size:12.5px;
    font-weight:700;
    color:var(--ink-3);
  }
  .calendar-date-today-badge{
    font-size:10.5px;font-weight:800;color:#fff;
    background:var(--brand);padding:2px 7px;border-radius:999px;
    letter-spacing:-0.02em;
  }
  .calendar-date-count{
    margin-left:auto;flex-shrink:0;
    font-size:11.5px;font-weight:700;color:var(--ink-3);
    background:var(--card-soft);padding:3px 9px;border-radius:999px;
  }
  .calendar-date-chevron{
    font-size:15px;color:var(--ink-3);flex-shrink:0;
    transition:transform .2s ease;
    --ph-duotone-secondary-opacity:0;
  }
  .calendar-date-group.is-past .calendar-date-heading{cursor:pointer;}
  .calendar-date-group.is-collapsed .calendar-date-chevron{transform:rotate(-90deg);}
  .calendar-date-group.is-collapsed .calendar-date-events{display:none;}

  .calendar-date-events{
    display:flex;
    flex-direction:column;
    gap:8px;
  }
  .calendar-event-row{
    display:flex;
    align-items:flex-start;
    gap:12px;
    background:var(--card);
    border-radius:16px;
    padding:14px 16px;
    box-shadow:0 2px 8px rgba(15,23,42,0.03);
    transition:box-shadow .15s ease;
  }
  .calendar-event-row:hover{box-shadow:0 4px 14px rgba(15,23,42,0.07);}
  /* 좌측 원형 아이콘 — 기존 KR/US 원형 크기(30px)는 그대로 유지, 내부 콘텐츠만 카테고리별로 교체 */
  .calendar-event-icon-circle{
    flex-shrink:0;
    width:30px;height:30px;
    border-radius:50%;
    background:var(--card-soft);
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:14px;
    overflow:hidden;
    position:relative;
  }
  .calendar-event-logo-img{
    width:100%;
    height:100%;
    object-fit:cover;
    border-radius:50%;
  }
  .calendar-event-logo-fallback{
    position:absolute;
    inset:0;
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:12px;
    font-weight:800;
    color:#fff;
    background:var(--brand);
    border-radius:50%;
  }
  .calendar-event-icon-circle.realestate-icon{background:rgba(5,150,105,0.12);}
  .calendar-event-icon-circle.realestate-icon i{font-size:15px;color:#059669;--ph-duotone-secondary-color:#059669;--ph-duotone-secondary-opacity:0.18;}
  .calendar-event-icon-circle.tax-icon{background:rgba(139,92,246,0.12);}
  .calendar-event-icon-circle.tax-icon i{font-size:15px;color:#8b5cf6;--ph-duotone-secondary-color:#8b5cf6;--ph-duotone-secondary-opacity:0.18;}
  .calendar-event-icon-circle.economy-icon{background:rgba(49,130,246,0.10);}
  .calendar-event-icon-circle.subsidy-icon{background:rgba(219,39,119,0.12);}
  .calendar-event-icon-circle.subsidy-icon i{font-size:15px;color:#db2777;--ph-duotone-secondary-color:#db2777;--ph-duotone-secondary-opacity:0.18;}
  .calendar-event-icon-circle.ipo-icon{background:rgba(8,145,178,0.12);}
  .calendar-event-icon-circle.ipo-icon i{font-size:15px;color:#0891b2;--ph-duotone-secondary-color:#0891b2;--ph-duotone-secondary-opacity:0.18;}
  .calendar-event-icon-circle.personal-icon{background:rgba(107,114,128,0.14);}
  .calendar-event-icon-circle.personal-icon i{font-size:15px;color:#6b7280;--ph-duotone-secondary-color:#6b7280;--ph-duotone-secondary-opacity:0.18;}
  .calendar-event-body{flex:1;min-width:0;}
  .calendar-event-cat{
    display:inline-block;
    font-size:10.5px;
    font-weight:800;
    padding:3px 8px;
    border-radius:999px;
    margin-bottom:6px;
  }
  .calendar-event-title{
    margin:0 0 3px;
    font-size:14px;
    font-weight:700;
    color:var(--ink-1);
    letter-spacing:-0.03em;
    word-break:keep-all;
  }
  .calendar-event-meta{
    margin:0;
    font-size:12px;
    font-weight:600;
    color:var(--ink-3);
  }
  .calendar-event-status{
    flex-shrink:0;
    font-size:10.5px;
    font-weight:800;
    color:var(--ink-3);
    background:var(--card-soft);
    padding:4px 9px;
    border-radius:999px;
    white-space:nowrap;
  }
  .calendar-event-dday{
    flex-shrink:0;
    font-size:10.5px;
    font-weight:800;
    color:var(--brand);
    background:var(--brand-soft);
    padding:4px 9px;
    border-radius:999px;
    white-space:nowrap;
  }
  .calendar-event-dday.is-today{color:#fff;background:#f04452;}
  .calendar-event-row{cursor:pointer;}

  .calendar-empty{
    display:flex;
    flex-direction:column;
    align-items:center;
    justify-content:center;
    text-align:center;
    padding:60px 20px;
    background:var(--card);
    border-radius:20px;
  }
  .calendar-empty-icon{
    width:56px;height:56px;
    border-radius:18px;
    background:var(--card-soft);
    display:flex;
    align-items:center;
    justify-content:center;
    margin-bottom:14px;
  }
  .calendar-empty-icon i{font-size:26px;color:var(--ink-3);--ph-duotone-secondary-color:var(--ink-3);}
  .calendar-empty p{margin:0;font-size:13.5px;font-weight:600;color:var(--ink-3);}

  .calendar-side{
    display:flex;
    flex-direction:column;
    gap:16px;
  }
  .calendar-checkin-card{
    background:linear-gradient(160deg, var(--brand-soft) 0%, var(--card) 70%);
    border:1px solid rgba(88,92,229,0.14);
    border-radius:var(--radius-lg);
    padding:24px 20px;
    text-align:center;
  }
  .calendar-checkin-icon{
    width:48px;height:48px;
    margin:0 auto 12px;
    border-radius:16px;
    background:#ffffff;
    box-shadow:0 2px 8px rgba(15,23,42,0.06);
    display:flex;
    align-items:center;
    justify-content:center;
  }
  .calendar-checkin-icon i{font-size:23px;}
  .calendar-checkin-title{margin:0 0 4px;font-size:15px;font-weight:800;color:var(--ink-1);letter-spacing:-0.03em;}
  .calendar-checkin-desc{margin:0 0 16px;font-size:12px;font-weight:500;color:var(--ink-3);}
  .calendar-checkin-btn{
    width:100%;
    padding:13px 12px;
    border-radius:14px;
    border:none;
    background:var(--brand);
    color:#fff;
    font-size:13.5px;
    font-weight:800;
    letter-spacing:-0.03em;
    cursor:pointer;
    transition:background .15s ease, transform .15s ease;
  }
  .calendar-checkin-btn:hover{background:#4f46e5;}
  .calendar-checkin-btn:active{transform:scale(0.97);}
  .calendar-checkin-btn.done{
    background:#e5e7eb;
    color:var(--ink-3);
    cursor:default;
  }
  .calendar-checkin-btn.done:hover{background:#e5e7eb;}
  .calendar-checkin-streak{margin:12px 0 0;font-size:12px;font-weight:600;color:var(--ink-2);}
  .calendar-checkin-streak b{color:var(--brand);font-weight:800;}

  .calendar-ad-slot{
    border:1.5px dashed #d8dce2;
    border-radius:var(--radius-md);
    min-height:250px;
    display:flex;
    align-items:center;
    justify-content:center;
    color:var(--ink-3);
    font-size:12.5px;
    font-weight:600;
    background:var(--card-soft);
  }

  @media (max-width:767px){
    .calendar-grid{padding:6px;}
    .calendar-day-num{font-size:12px;}
    .calendar-side{flex-direction:row;flex-wrap:wrap;}
    .calendar-checkin-card, .calendar-ad-slot{flex:1;min-width:220px;}
  }
  @media (max-width:560px){
    .calendar-side{flex-direction:column;}
    .calendar-event-row{flex-wrap:wrap;}
    .calendar-nav{gap:14px;}
  }

  /* ==================================================
     구글 로그인 & 포인트·리워드 에코시스템 (Firebase 대체용 인프라)
     ================================================== */
  .reward-auth-card{
    background:var(--card);
    border-radius:var(--radius-lg);
    padding:24px 20px;
  }
  .reward-auth-logged-out{ text-align:center; }
  .reward-auth-icon{
    width:48px;height:48px;margin:0 auto 12px;border-radius:16px;
    background:var(--brand-soft);display:flex;align-items:center;justify-content:center;
  }
  .reward-auth-icon i{font-size:23px;color:var(--brand);}
  .reward-auth-title{margin:0 0 16px;font-size:14px;font-weight:700;color:var(--ink-1);line-height:1.5;letter-spacing:-0.02em;}
  .reward-google-btn{
    width:100%;display:flex;align-items:center;justify-content:center;gap:10px;
    padding:13px 14px;border-radius:14px;border:1.5px solid var(--line);
    background:#fff;color:var(--ink-1);font-size:13.5px;font-weight:700;letter-spacing:-0.02em;
    cursor:pointer;transition:background .15s ease, border-color .15s ease, transform .15s ease;
  }
  .reward-google-btn:hover{background:var(--card-soft);border-color:#d8dce2;}
  .reward-google-btn:active{transform:scale(0.97);}
  .reward-google-icon{width:18px;height:18px;flex-shrink:0;}

  @keyframes rewardFadeIn{ from{opacity:0;transform:translateY(6px);} to{opacity:1;transform:translateY(0);} }
  .reward-auth-logged-in{animation:rewardFadeIn .4s ease;}

  .reward-profile-row{display:flex;align-items:center;gap:12px;margin-bottom:18px;}
  .reward-profile-avatar{width:44px;height:44px;border-radius:50%;object-fit:cover;flex-shrink:0;background:var(--card-soft);}
  .reward-welcome{margin:0;font-size:14px;font-weight:800;color:var(--ink-1);letter-spacing:-0.02em;}
  .reward-welcome-sub{margin:2px 0 0;font-size:12px;font-weight:500;color:var(--ink-3);}

  .reward-points-dashboard{
    background:linear-gradient(160deg, var(--brand-soft) 0%, var(--card-soft) 100%);
    border-radius:var(--radius-md);
    padding:18px 20px;
    margin-bottom:16px;
  }
  .reward-points-label{margin:0 0 4px;font-size:12px;font-weight:700;color:var(--ink-3);}
  .reward-points-value{margin:0;font-size:24px;font-weight:800;color:var(--brand);letter-spacing:-0.03em;}
  .reward-points-value span{font-size:15px;font-weight:700;}

  .reward-progress-wrap{margin-bottom:16px;}
  .reward-progress-top{display:flex;justify-content:space-between;font-size:11.5px;font-weight:700;color:var(--ink-2);margin-bottom:8px;}
  .reward-progress-track{height:8px;background:var(--card-soft);border-radius:999px;overflow:hidden;}
  .reward-progress-fill{height:100%;background:var(--brand);border-radius:999px;transition:width .6s cubic-bezier(.22,1,.36,1);}

  .reward-shop-btn{
    width:100%;padding:14px 12px;border-radius:14px;border:none;
    background:var(--brand-2);color:#fff;font-size:13.5px;font-weight:800;letter-spacing:-0.02em;
    cursor:pointer;transition:background .15s ease, transform .15s ease;
  }
  .reward-shop-btn:hover{background:#1b64da;}
  .reward-shop-btn:active{transform:scale(0.97);}

  /* ---------- 오늘의 금융 포인트 부스터 미션 ---------- */
  .reward-mission-section{margin-top:28px;position:relative;}
  .reward-mission-head{margin-bottom:14px;}
  .reward-mission-head h3{margin:0 0 4px;font-size:17px;font-weight:800;color:var(--ink-1);letter-spacing:-0.03em;}
  .reward-mission-head p{margin:0;font-size:12.5px;font-weight:500;color:var(--ink-3);}
  .reward-mission-list{
    display:flex;flex-direction:column;gap:10px;
    background:var(--card);border-radius:var(--radius-lg);padding:10px;
    transition:filter .2s ease;
  }
  .reward-mission-list.is-locked{filter:blur(4px);pointer-events:none;user-select:none;}
  .reward-mission-item{
    display:flex;align-items:center;gap:14px;width:100%;
    padding:14px;border-radius:14px;border:none;background:transparent;
    cursor:pointer;text-align:left;transition:background .15s ease, opacity .15s ease;
  }
  .reward-mission-item:hover:not(:disabled){background:var(--card-soft);}
  .reward-mission-item:disabled{cursor:default;}
  .reward-mission-icon{
    width:40px;height:40px;flex-shrink:0;border-radius:12px;background:var(--brand-soft);
    display:flex;align-items:center;justify-content:center;
  }
  .reward-mission-icon i{font-size:19px;color:var(--brand);}
  .reward-mission-body{flex:1;min-width:0;display:flex;flex-direction:column;gap:2px;}
  .reward-mission-title{font-size:13.5px;font-weight:700;color:var(--ink-1);letter-spacing:-0.02em;}
  .reward-mission-desc{font-size:11.5px;font-weight:500;color:var(--ink-3);}
  .reward-mission-point{
    flex-shrink:0;font-size:13px;font-weight:800;color:var(--brand);
    background:var(--brand-soft);padding:6px 12px;border-radius:999px;white-space:nowrap;
  }
  .reward-mission-item.done .reward-mission-point{color:var(--ink-3);background:var(--card-soft);}
  .reward-mission-item.done{opacity:0.6;}

  .reward-mission-lock-overlay{
    position:absolute;inset:0;top:52px;
    display:flex;align-items:center;justify-content:center;gap:8px;
    color:var(--ink-2);font-size:13px;font-weight:700;
    pointer-events:none;
  }
  .reward-mission-lock-overlay i{font-size:16px;color:var(--ink-3);}

  .calendar-event-row{transition:background-color .4s ease;border-radius:12px;}
  .calendar-event-row.calendar-event-highlight{background-color:var(--brand-soft);}

  /* ---------- 기프티콘 교환 팝업 모달 ---------- */
  .reward-shop-overlay{
    position:fixed;inset:0;background:rgba(15,23,42,0.45);
    display:flex;align-items:center;justify-content:center;
    padding:20px;z-index:200;opacity:0;pointer-events:none;transition:opacity .2s ease;
  }
  .reward-shop-overlay.open{opacity:1;pointer-events:auto;}
  .reward-shop-modal{
    width:100%;max-width:420px;max-height:86vh;overflow-y:auto;
    background:#fff;border-radius:var(--radius-lg);padding:24px;
    transform:translateY(12px) scale(0.98);opacity:0;transition:transform .22s ease, opacity .22s ease;
  }
  .reward-shop-overlay.open .reward-shop-modal{transform:translateY(0) scale(1);opacity:1;}
  .reward-shop-topbar{display:flex;align-items:center;justify-content:space-between;margin-bottom:6px;}
  .reward-shop-title{font-size:17px;font-weight:800;color:var(--ink-1);letter-spacing:-0.03em;}
  .reward-shop-close-btn{
    width:32px;height:32px;border-radius:10px;border:none;background:var(--card-soft);
    color:var(--ink-2);display:flex;align-items:center;justify-content:center;cursor:pointer;
  }
  .reward-shop-close-btn:hover{background:#e5e8eb;}
  .reward-shop-balance{margin:0 0 18px;font-size:13px;font-weight:600;color:var(--ink-3);}
  .reward-shop-balance b{color:var(--brand);font-weight:800;font-size:15px;}
  .reward-shop-list{display:flex;flex-direction:column;gap:10px;}
  .reward-shop-item{
    display:flex;align-items:center;gap:12px;padding:14px;border-radius:14px;background:var(--card-soft);
  }
  .reward-shop-item-icon{
    width:42px;height:42px;flex-shrink:0;border-radius:13px;background:#fff;
    display:flex;align-items:center;justify-content:center;box-shadow:0 2px 6px rgba(15,23,42,0.06);
  }
  .reward-shop-item-icon i{font-size:20px;color:var(--brand);}
  .reward-shop-item-body{flex:1;min-width:0;}
  .reward-shop-item-cat{font-size:11px;font-weight:700;color:var(--brand);}
  .reward-shop-item-name{margin:2px 0 3px;font-size:13.5px;font-weight:700;color:var(--ink-1);letter-spacing:-0.02em;line-height:1.4;}
  .reward-shop-item-price{margin:0;font-size:12.5px;font-weight:700;color:var(--ink-3);}
  .reward-shop-item-btn{
    flex-shrink:0;padding:10px 16px;border-radius:12px;border:none;
    background:var(--brand-2);color:#fff;font-size:12.5px;font-weight:800;letter-spacing:-0.02em;
    cursor:pointer;transition:background .15s ease, transform .15s ease;
  }
  .reward-shop-item-btn:hover{background:#1b64da;}
  .reward-shop-item-btn:active{transform:scale(0.96);}
  .reward-shop-item-btn.disabled, .reward-shop-item-btn:disabled{
    background:#e5e7eb;color:var(--ink-3);cursor:default;
  }
  .reward-shop-item-btn.disabled:hover, .reward-shop-item-btn:disabled:hover{background:#e5e7eb;}

  @media (max-width:560px){
    .reward-mission-item{flex-wrap:wrap;}
    .reward-mission-point{margin-left:54px;}
  }

  /* ==================================================
     자산 라운지 — 토스(Toss) 커뮤니티 디자인 시스템: 무채색 위주, 절제된 여백, 이모지 배제
     색상은 기존 CSS 변수(토큰)를 그대로 사용 — 이미 이 프로젝트의 --bg/--ink-1/--ink-2/--ink-3/--brand-2가
     토스 팔레트(#F2F4F6/#191F28/#4E5968/#8B95A1/#3182F6)와 정확히 일치해서, 변수를 쓰면 다크모드도 자동 대응됨.
     ================================================== */
  .lounge-head{padding:28px 2px 20px;}
  @media (min-width:640px){ .lounge-head{padding:36px 2px 24px;} }
  .lounge-eyebrow{margin:0 0 6px;font-size:13px;font-weight:700;color:var(--brand-2);}
  .lounge-head h2{margin:0 0 6px;font-size:22px;font-weight:800;letter-spacing:-0.03em;color:var(--ink-1);}
  .lounge-head p{margin:0;font-size:13.5px;font-weight:500;color:var(--ink-3);}

  /* 카테고리 필터 — 알약형 탭, 선택 시 토스 다크 배경 */
  .lounge-filter-pills{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:24px;}
  .lounge-filter-pill{
    padding:11px 20px;border-radius:20px;border:none;
    background:var(--bg);color:var(--ink-2);
    font-size:14px;font-weight:600;letter-spacing:-0.02em;
    cursor:pointer;box-shadow:none;
    transition:background .15s ease, color .15s ease;
  }
  .lounge-filter-pill:hover{background:var(--line);}
  .lounge-filter-pill.active{background:var(--ink-1);color:#fff;}
  .lounge-filter-pill.active:hover{background:var(--ink-1);}

  /* 한 줄 프롬프트 바 — 기존의 무거운 작성 폼을 대체, 클릭하면 글쓰기 모달이 열림 */
  .lounge-prompt-bar{
    display:flex;align-items:center;gap:12px;width:100%;
    background:var(--card-soft);border:1px solid var(--line);
    border-radius:16px;padding:14px 18px;margin-bottom:28px;
    cursor:pointer;text-align:left;
    transition:background .15s ease, transform .15s ease;
  }
  .lounge-prompt-bar:hover{background:var(--bg);transform:scale(1.005);}
  .lounge-prompt-bar:active{transform:scale(0.99);}
  .lounge-prompt-avatar{width:32px;height:32px;border-radius:50%;object-fit:cover;flex-shrink:0;background:var(--line);}
  .lounge-prompt-placeholder{
    flex:1;min-width:0;font-size:14px;font-weight:500;color:var(--ink-3);
    overflow:hidden;text-overflow:ellipsis;white-space:nowrap;
  }
  .lounge-prompt-pencil{font-size:18px;color:var(--ink-3);flex-shrink:0;--ph-duotone-secondary-opacity:0;}

  /* 글쓰기 모달 — 프롬프트 바 클릭 시 뜨는 오버레이. 내부 필드는 기존 로직/ID를 그대로 재사용 */
  .lounge-write-overlay{
    position:fixed;inset:0;background:rgba(15,23,42,0.45);
    display:flex;align-items:center;justify-content:center;
    padding:20px;z-index:220;opacity:0;pointer-events:none;transition:opacity .2s ease;
  }
  .lounge-write-overlay.open{opacity:1;pointer-events:auto;}
  .lounge-write-modal{
    width:100%;max-width:480px;max-height:88vh;overflow-y:auto;
    background:var(--card);border-radius:20px;padding:24px;
    transform:translateY(12px) scale(0.98);opacity:0;transition:transform .22s ease, opacity .22s ease;
  }
  .lounge-write-overlay.open .lounge-write-modal{transform:translateY(0) scale(1);opacity:1;}
  .lounge-write-modal-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:18px;}
  .lounge-write-modal-top h3{margin:0;font-size:17px;font-weight:800;color:var(--ink-1);letter-spacing:-0.02em;}
  .lounge-write-modal-close{
    width:32px;height:32px;border-radius:10px;border:none;background:var(--bg);
    color:var(--ink-2);display:flex;align-items:center;justify-content:center;cursor:pointer;
  }
  .lounge-write-modal-close:hover{background:var(--line);}

  .lounge-write-bar{display:flex;flex-direction:column;gap:12px;}
  .lounge-write-top{display:flex;gap:10px;flex-wrap:wrap;}
  .lounge-write-select-wrap{position:relative;background:var(--bg);border-radius:12px;flex-shrink:0;}
  .lounge-write-category{
    appearance:none;-webkit-appearance:none;border:none;outline:none;background:transparent;
    font:inherit;letter-spacing:inherit;font-size:13px;font-weight:700;color:var(--ink-1);
    padding:11px 30px 11px 14px;cursor:pointer;
  }
  .lounge-write-select-wrap::after{
    content:"";position:absolute;right:12px;top:50%;width:6px;height:6px;
    border-right:2px solid var(--ink-3);border-bottom:2px solid var(--ink-3);
    transform:translateY(-65%) rotate(45deg);pointer-events:none;
  }
  .lounge-write-title{
    flex:1;min-width:160px;border:none;outline:none;background:var(--bg);border-radius:12px;
    font:inherit;letter-spacing:inherit;font-size:13.5px;font-weight:700;color:var(--ink-1);
    padding:11px 14px;
  }
  .lounge-write-title::placeholder{color:var(--ink-3);font-weight:500;}
  .lounge-write-content{
    width:100%;border:none;outline:none;background:var(--bg);border-radius:12px;
    font:inherit;letter-spacing:inherit;font-size:13.5px;font-weight:500;color:var(--ink-1);
    padding:12px 14px;resize:vertical;min-height:52px;line-height:1.6;
  }
  .lounge-write-content::placeholder{color:var(--ink-3);font-weight:500;}
  .lounge-write-bottom{display:flex;justify-content:flex-end;}
  .lounge-write-btn{
    flex-shrink:0;padding:12px 26px;border-radius:14px;border:none;
    background:var(--brand-2);color:#fff;font-size:13.5px;font-weight:800;letter-spacing:-0.02em;
    cursor:pointer;transition:background .15s ease, transform .15s ease;
  }
  .lounge-write-btn:hover{background:#1b64da;}
  .lounge-write-btn:active{transform:scale(0.96);}
  .lounge-write-btn:disabled{background:#c2c8d1;cursor:default;}

  /* 일반 글 / 투표 작성 타입 토글 */
  .lounge-write-type-toggle{display:flex;background:var(--bg);border-radius:12px;padding:3px;flex-shrink:0;}
  .lounge-write-type-btn{
    padding:9px 13px;border-radius:9px;border:none;background:transparent;
    color:var(--ink-3);font-size:12.5px;font-weight:700;letter-spacing:-0.02em;
    cursor:pointer;white-space:nowrap;transition:all .15s ease;
  }
  .lounge-write-type-btn.active{background:var(--card);color:var(--brand-2);box-shadow:0 2px 6px rgba(15,23,42,0.08);}

  /* 투표 선택지 작성 영역 */
  .lounge-write-poll{display:flex;flex-direction:column;gap:8px;}
  .lounge-poll-option-list{display:flex;flex-direction:column;gap:8px;}
  .lounge-poll-option-row{display:flex;align-items:center;gap:8px;}
  .lounge-poll-option-row input{
    flex:1;min-width:0;border:none;outline:none;background:var(--bg);border-radius:10px;
    font:inherit;letter-spacing:inherit;font-size:13px;font-weight:600;color:var(--ink-1);
    padding:10px 12px;
  }
  .lounge-poll-option-row input::placeholder{color:var(--ink-3);font-weight:500;}
  .lounge-poll-option-remove{
    flex-shrink:0;width:32px;height:32px;border-radius:10px;border:none;
    background:var(--bg);color:var(--ink-3);cursor:pointer;
    display:flex;align-items:center;justify-content:center;font-size:16px;
    transition:background .15s ease, color .15s ease;
  }
  .lounge-poll-option-remove:hover{background:#fde8e8;color:#f04452;}
  .lounge-poll-add-btn{
    padding:10px;border-radius:10px;border:1.5px dashed var(--line);background:transparent;
    color:var(--brand-2);font-size:12.5px;font-weight:700;cursor:pointer;
    transition:background .15s ease;
  }
  .lounge-poll-add-btn:hover{background:var(--brand-soft-2);}

  /* 피드 카드 — 두꺼운 테두리/그림자 대신 미세한 micro-shadow만 사용 */
  .lounge-feed{display:flex;flex-direction:column;gap:20px;padding-bottom:40px;}
  .lounge-card{
    background:var(--card);border-radius:16px;padding:20px 22px;
    box-shadow:0 1px 2px rgba(15,23,42,0.05);transition:box-shadow .15s ease;cursor:pointer;
  }
  .lounge-card:hover{box-shadow:0 4px 14px rgba(15,23,42,0.07);}

  .lounge-card-top{display:flex;align-items:center;gap:10px;margin-bottom:14px;}
  .lounge-card-avatar{width:34px;height:34px;border-radius:50%;object-fit:cover;flex-shrink:0;background:var(--bg);}
  .lounge-card-author{flex:1;min-width:0;display:flex;flex-direction:column;line-height:1.3;}
  .lounge-card-name{font-size:13px;font-weight:800;color:var(--ink-1);letter-spacing:-0.02em;display:flex;align-items:center;gap:6px;flex-wrap:wrap;}
  .lounge-card-time{font-size:11px;font-weight:600;color:var(--ink-3);}

  /* 자산 티어 배지 — 컬러풀한 그라디언트 대신 11px 옅은 회색 텍스트 태그로 최소화 */
  .lounge-tier-badge{
    flex-shrink:0;font-size:11px;font-weight:500;letter-spacing:-0.01em;
    color:var(--ink-3);white-space:nowrap;
  }

  /* 투표형 게시글 렌더링 */
  .lounge-poll-block{margin-bottom:14px;}
  .lounge-poll-question{margin:0 0 10px;font-size:13.5px;font-weight:600;color:var(--ink-2);}
  .lounge-poll-option-bar{
    position:relative;border-radius:11px;background:var(--bg);overflow:hidden;
    margin-bottom:8px;padding:10px 14px;cursor:pointer;transition:background .15s ease;
  }
  .lounge-poll-option-bar:hover{background:var(--line);}
  .lounge-poll-option-bar.voted{cursor:default;}
  .lounge-poll-option-fill{
    position:absolute;left:0;top:0;bottom:0;background:var(--brand-soft-2);
    border-radius:11px;transition:width .5s cubic-bezier(.22,1,.36,1);z-index:0;
  }
  .lounge-poll-option-row-inner{position:relative;z-index:1;display:flex;justify-content:space-between;gap:10px;align-items:center;}
  .lounge-poll-option-label{font-size:13px;font-weight:700;color:var(--ink-1);}
  .lounge-poll-option-pct{font-size:12.5px;font-weight:800;color:var(--brand-2);flex-shrink:0;}
  .lounge-poll-total{font-size:11.5px;font-weight:600;color:var(--ink-3);}

  /* 카테고리 태그 — 배경 없이 12px 옅은 회색 텍스트만, 카드 우측 상단 */
  .lounge-card-badge{
    flex-shrink:0;font-size:12px;font-weight:500;color:var(--ink-3);
    background:none;padding:0;border:none;white-space:nowrap;
  }
  .lounge-card-title{margin:0 0 8px;font-size:15px;font-weight:800;color:var(--ink-1);letter-spacing:-0.02em;word-break:keep-all;}
  .lounge-card-text{
    margin:0 0 16px;font-size:13.5px;font-weight:500;color:var(--ink-2);line-height:1.65;
    word-break:keep-all;white-space:pre-line;
    display:-webkit-box;-webkit-line-clamp:3;line-clamp:3;-webkit-box-orient:vertical;overflow:hidden;
  }
  .lounge-card-bottom{display:flex;align-items:center;gap:18px;}
  .lounge-card-stat{font-size:13px;font-weight:600;color:var(--ink-2);display:flex;align-items:center;gap:5px;}
  .lounge-card-stat i{font-size:17px;color:var(--ink-2);--ph-duotone-secondary-opacity:0;}

  /* 좋아요/댓글 — 이모지 대신 라인 아이콘 + 숫자만, 배경 없는 미니멀 버튼 */
  .lounge-like-btn{
    border:none;background:none;color:var(--ink-2);
    font-size:13px;font-weight:600;padding:0;
    cursor:pointer;display:flex;align-items:center;gap:5px;
    transition:color .15s ease, transform .15s ease;
  }
  .lounge-like-btn i{font-size:17px;--ph-duotone-secondary-opacity:0;transition:color .15s ease;}
  .lounge-like-btn:active{transform:scale(0.94);}
  .lounge-like-btn.liked{color:#f04452;}
  .lounge-like-btn.liked i{color:#f04452;--ph-duotone-secondary-opacity:0.25;}

  .lounge-empty, .lounge-comment-empty, .lounge-comment-loading{
    background:var(--card);border-radius:16px;padding:48px 20px;text-align:center;
    color:var(--ink-3);font-size:13.5px;font-weight:600;
  }
  .lounge-comment-empty, .lounge-comment-loading{background:var(--card-soft);padding:28px 16px;border-radius:14px;}

  /* ---------- 어뷰징 방어: 신고 버튼 / 블라인드 처리 ---------- */

  .lounge-report-icon-btn{
    border:none;background:none;color:var(--ink-3);padding:0;margin-left:auto;
    cursor:pointer;display:flex;align-items:center;font-size:15px;
  }
  .lounge-report-icon-btn:hover{color:#f04452;}
  .lounge-card-bottom .lounge-report-icon-btn{margin-left:auto;}
  .lounge-comment-top .lounge-report-icon-btn{margin-left:auto;font-size:13px;}

  .lounge-detail-report-btn{
    width:32px;height:32px;border-radius:10px;border:none;background:var(--bg);
    color:var(--ink-2);display:flex;align-items:center;justify-content:center;cursor:pointer;
  }
  .lounge-detail-report-btn:hover{background:rgba(240,68,82,0.12);color:#f04452;}

  .lounge-card-blinded, .lounge-comment-blinded{
    display:flex;align-items:center;gap:8px;justify-content:center;
    background:var(--card-soft);border-radius:16px;padding:24px 16px;
    color:var(--ink-3);font-size:12.5px;font-weight:600;cursor:default;
  }
  .lounge-comment-blinded{padding:14px 16px;border-radius:12px;margin-bottom:8px;}

  .lounge-report-overlay{
    position:fixed;inset:0;background:rgba(15,23,42,0.45);z-index:1200;
    display:flex;align-items:center;justify-content:center;padding:20px;
  }
  .lounge-report-overlay[hidden]{display:none;}
  .lounge-report-modal{
    background:var(--card);border-radius:20px;padding:24px;max-width:360px;width:100%;
  }
  .lounge-report-title{margin:0 0 8px;font-size:16px;font-weight:800;color:var(--ink-1);}
  .lounge-report-desc{margin:0 0 18px;font-size:12.5px;color:var(--ink-3);line-height:1.6;}
  .lounge-report-reasons{display:flex;flex-direction:column;gap:8px;margin-bottom:14px;}
  .lounge-report-reason-btn{
    text-align:left;background:var(--card-soft);border:none;border-radius:12px;
    padding:13px 14px;font-size:13.5px;font-weight:700;color:var(--ink-1);
    cursor:pointer;font-family:inherit;
  }
  .lounge-report-reason-btn:hover{background:rgba(240,68,82,0.10);color:#f04452;}
  .lounge-report-cancel-btn{
    width:100%;background:none;border:none;padding:10px;
    font-size:13px;font-weight:700;color:var(--ink-3);cursor:pointer;font-family:inherit;
  }

  /* ---------- 세무사 1:1 절세 상담 (베타 신청 폼) ---------- */
  .tax-consult-overlay{
    position:fixed;inset:0;background:rgba(15,23,42,0.45);z-index:1200;
    display:flex;align-items:center;justify-content:center;padding:20px;
  }
  .tax-consult-overlay[hidden]{display:none;}
  .tax-consult-modal{
    background:var(--card);border-radius:22px;padding:26px 24px;max-width:400px;width:100%;
    max-height:88vh;overflow-y:auto;
  }
  .tax-consult-top{display:flex;align-items:flex-start;justify-content:space-between;margin-bottom:14px;}
  .tax-consult-icon-plate{
    width:44px;height:44px;border-radius:14px;background:var(--brand-soft);
    display:flex;align-items:center;justify-content:center;font-size:21px;color:var(--brand);
  }
  .tax-consult-close-btn{
    width:32px;height:32px;border-radius:10px;border:none;background:var(--card-soft);
    color:var(--ink-2);display:flex;align-items:center;justify-content:center;cursor:pointer;flex-shrink:0;
  }
  .tax-consult-eyebrow{margin:0 0 6px;font-size:12px;font-weight:800;color:var(--brand);}
  .tax-consult-modal h3{margin:0 0 8px;font-size:19px;font-weight:800;color:var(--ink-1);letter-spacing:-0.02em;}
  .tax-consult-desc{margin:0 0 20px;font-size:13px;color:var(--ink-2);line-height:1.6;}

  .tax-consult-label{display:block;font-size:12.5px;font-weight:700;color:var(--ink-2);margin:0 0 6px;}
  .tax-consult-select-wrap{position:relative;margin-bottom:14px;}
  .tax-consult-select{
    width:100%;appearance:none;background:var(--card-soft);border:1px solid var(--line);border-radius:12px;
    padding:12px 40px 12px 14px;font-size:14px;font-weight:700;color:var(--ink-1);font-family:inherit;cursor:pointer;
  }
  .tax-consult-select-caret{
    position:absolute;right:14px;top:50%;transform:translateY(-50%);
    font-size:13px;color:var(--ink-3);pointer-events:none;
  }
  .tax-consult-input, .tax-consult-textarea{
    width:100%;background:var(--card-soft);border:1px solid var(--line);border-radius:12px;
    padding:12px 14px;font-size:14px;color:var(--ink-1);font-family:inherit;margin-bottom:14px;
    letter-spacing:-0.02em;
  }
  .tax-consult-textarea{resize:vertical;min-height:72px;}
  .tax-consult-notice{margin:-6px 0 10px;font-size:12px;color:var(--loss, #dc2626);min-height:1px;}
  .tax-consult-submit-btn{
    width:100%;background:var(--brand);color:#fff;border:none;border-radius:14px;
    padding:15px;font-size:14.5px;font-weight:800;cursor:pointer;font-family:inherit;
    box-shadow:0 6px 16px -4px var(--brand);
  }
  .tax-consult-submit-btn:disabled{opacity:0.6;cursor:default;}
  .tax-consult-fineprint{margin:12px 0 0;font-size:11px;color:var(--ink-3);line-height:1.6;text-align:center;}

  .tax-consult-success{text-align:center;padding:20px 4px 6px;}
  .tax-consult-success-icon{font-size:44px;color:var(--profit-color, #059669);display:inline-flex;margin-bottom:14px;}
  .tax-consult-success-title{margin:0 0 8px;font-size:16.5px;font-weight:800;color:var(--ink-1);}
  .tax-consult-success-desc{margin:0 0 22px;font-size:13px;color:var(--ink-2);line-height:1.6;}
  .tax-consult-success-close-btn{
    width:100%;background:var(--brand);color:#fff;border:none;border-radius:14px;
    padding:14px;font-size:14px;font-weight:800;cursor:pointer;font-family:inherit;
  }

  /* ---------- 게시글 상세 + 실시간 댓글 모달 ---------- */
  .lounge-detail-overlay{
    position:fixed;inset:0;background:rgba(15,23,42,0.45);
    display:flex;align-items:center;justify-content:center;
    padding:20px;z-index:210;opacity:0;pointer-events:none;transition:opacity .2s ease;
  }
  .lounge-detail-overlay.open{opacity:1;pointer-events:auto;}
  .lounge-detail-modal{
    width:100%;max-width:520px;max-height:88vh;overflow-y:auto;
    background:var(--card);border-radius:20px;padding:24px;
    transform:translateY(12px) scale(0.98);opacity:0;transition:transform .22s ease, opacity .22s ease;
  }
  .lounge-detail-overlay.open .lounge-detail-modal{transform:translateY(0) scale(1);opacity:1;}
  .lounge-detail-topbar{display:flex;align-items:center;justify-content:space-between;margin-bottom:18px;}
  .lounge-detail-cat-badge{
    font-size:12px;font-weight:600;color:var(--ink-3);background:none;padding:0;
  }
  .lounge-detail-topbar-actions{display:flex;align-items:center;gap:8px;}
  .lounge-detail-close-btn, .lounge-detail-delete-btn{
    width:32px;height:32px;border-radius:10px;border:none;background:var(--bg);
    color:var(--ink-2);display:flex;align-items:center;justify-content:center;cursor:pointer;
  }
  .lounge-detail-close-btn:hover{background:var(--line);}
  .lounge-detail-delete-btn{color:#f04452;}
  .lounge-detail-delete-btn:hover{background:rgba(240,68,82,0.12);}
  .lounge-detail-delete-btn:disabled{opacity:0.5;cursor:default;}
  .lounge-detail-delete-btn[hidden]{display:none;}

  .lounge-detail-author-row{display:flex;align-items:center;gap:12px;margin-bottom:18px;}
  .lounge-detail-avatar{width:42px;height:42px;border-radius:50%;object-fit:cover;flex-shrink:0;background:var(--bg);}
  .lounge-detail-name{margin:0;font-size:14px;font-weight:800;color:var(--ink-1);letter-spacing:-0.02em;display:flex;align-items:center;gap:6px;}
  .lounge-detail-time{margin:2px 0 0;font-size:12px;font-weight:600;color:var(--ink-3);}
  .lounge-detail-title{margin:0 0 12px;font-size:18px;font-weight:800;color:var(--ink-1);letter-spacing:-0.03em;word-break:keep-all;}
  .lounge-detail-content{margin:0 0 22px;font-size:14px;font-weight:500;color:var(--ink-2);line-height:1.75;word-break:keep-all;white-space:pre-line;}

  .lounge-detail-actions{
    display:flex;align-items:center;gap:18px;padding:16px 0;
    border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin-bottom:20px;
  }
  .lounge-detail-comment-count{font-size:13px;font-weight:600;color:var(--ink-2);display:flex;align-items:center;gap:5px;}
  .lounge-detail-comment-count i{font-size:17px;color:var(--ink-2);--ph-duotone-secondary-opacity:0;}

  .lounge-comment-list{display:flex;flex-direction:column;gap:16px;margin-bottom:20px;}
  .lounge-comment-item{display:flex;gap:10px;}
  .lounge-comment-avatar{width:30px;height:30px;border-radius:50%;object-fit:cover;flex-shrink:0;background:var(--bg);}
  .lounge-comment-body{flex:1;min-width:0;background:var(--card-soft);border-radius:14px;padding:10px 14px;}
  .lounge-comment-top{display:flex;align-items:baseline;gap:8px;margin-bottom:3px;}
  .lounge-comment-name{font-size:12.5px;font-weight:800;color:var(--ink-1);}
  .lounge-comment-time{font-size:11px;font-weight:600;color:var(--ink-3);}
  .lounge-comment-text{margin:0;font-size:13px;font-weight:500;color:var(--ink-2);line-height:1.6;word-break:keep-all;white-space:pre-line;}

  .lounge-comment-write{display:flex;align-items:center;gap:8px;position:sticky;bottom:0;background:var(--card);padding-top:4px;}
  .lounge-comment-input{
    flex:1;min-width:0;border:none;outline:none;background:var(--card-soft);border-radius:999px;
    font:inherit;letter-spacing:inherit;font-size:13px;font-weight:600;color:var(--ink-1);
    padding:11px 16px;
  }
  .lounge-comment-input::placeholder{color:var(--ink-3);font-weight:500;}
  .lounge-comment-btn{
    flex-shrink:0;padding:11px 18px;border-radius:999px;border:none;
    background:var(--brand-2);color:#fff;font-size:12.5px;font-weight:800;letter-spacing:-0.02em;
    cursor:pointer;transition:background .15s ease, transform .15s ease;
  }
  .lounge-comment-btn:hover{background:#1b64da;}
  .lounge-comment-btn:active{transform:scale(0.96);}

  @media (max-width:560px){
    .lounge-write-title{width:100%;}
    .lounge-detail-modal{padding:20px;max-height:92vh;}
    .lounge-write-modal{padding:20px;}
  }

  /* ---------- 헤더 미니 프로필 버튼 (아바타 클릭 → 마이페이지) ---------- */
  .header-mypage-btn{
    border:none;background:transparent;padding:0;margin:0;cursor:pointer;
    border-radius:50%;line-height:0;flex-shrink:0;
  }
  .header-mypage-btn img{transition:box-shadow .15s ease;}
  .header-mypage-btn:hover img{box-shadow:0 0 0 2px rgba(88,92,229,0.35);}
  .header-mypage-btn.active img{box-shadow:0 0 0 2px var(--brand);}

  /* ==================================================
     마이페이지 — 프로필 · 포인트 · 리워드 몰 · 히스토리
     ================================================== */
  .mypage-head{padding:28px 2px 20px;}
  @media (min-width:640px){ .mypage-head{padding:36px 2px 24px;} }
  .mypage-eyebrow{margin:0 0 6px;font-size:13px;font-weight:700;color:var(--brand);}
  .mypage-head h2{margin:0 0 6px;font-size:22px;font-weight:800;letter-spacing:-0.03em;color:var(--ink-1);}
  .mypage-head p{margin:0;font-size:13.5px;font-weight:500;color:var(--ink-3);}

  .mypage-logged-out{
    background:var(--card);border-radius:var(--radius-lg);padding:56px 24px;text-align:center;
    box-shadow:var(--shadow-card);
  }
  .mypage-logged-out-icon{
    width:56px;height:56px;margin:0 auto 16px;border-radius:18px;background:var(--brand-soft);
    display:flex;align-items:center;justify-content:center;
  }
  .mypage-logged-out-icon i{font-size:26px;color:var(--brand);}
  .mypage-logged-out-title{margin:0 0 6px;font-size:16px;font-weight:800;color:var(--ink-1);}
  .mypage-logged-out-desc{margin:0 0 20px;font-size:13px;font-weight:500;color:var(--ink-3);}
  .mypage-login-btn{
    display:inline-flex;align-items:center;gap:8px;
    background:#fff;color:var(--ink-1);border:1.5px solid var(--line);
    padding:12px 22px;border-radius:999px;font-size:13.5px;font-weight:700;
    cursor:pointer;transition:background .15s ease, border-color .15s ease;
  }
  .mypage-login-btn:hover{background:var(--card-soft);border-color:#d8dce2;}

  .mypage-content{display:flex;flex-direction:column;gap:20px;padding-bottom:40px;}

  .mypage-profile-card{
    display:flex;align-items:center;gap:16px;flex-wrap:wrap;
    background:var(--card);border-radius:var(--radius-lg);padding:24px;
    box-shadow:var(--shadow-card);
  }
  .mypage-profile-avatar{width:56px;height:56px;border-radius:50%;object-fit:cover;flex-shrink:0;background:var(--card-soft);}
  .mypage-profile-text{flex:1;min-width:160px;}
  .mypage-profile-name-row{display:flex;align-items:center;gap:4px;}
  .mypage-profile-name{margin:0 0 4px;font-size:16px;font-weight:800;color:var(--ink-1);letter-spacing:-0.02em;}
  .mypage-name-edit-btn{
    display:flex;align-items:center;justify-content:center;
    width:22px;height:22px;margin-bottom:4px;
    border-radius:6px;border:none;background:transparent;
    color:var(--ink-3);cursor:pointer;flex-shrink:0;
    transition:background .15s ease, color .15s ease;
  }
  .mypage-name-edit-btn:hover{background:var(--card-soft);color:var(--brand);}
  .mypage-name-edit-btn i{font-size:13px;--ph-duotone-secondary-opacity:0;}
  .mypage-profile-name-input{
    width:100%;max-width:220px;
    margin:0 0 4px;
    padding:5px 10px;
    border-radius:8px;
    border:1.5px solid var(--brand);
    background:var(--card);
    color:var(--ink-1);
    font-size:15px;
    font-weight:800;
    letter-spacing:-0.02em;
    font-family:inherit;
  }
  .mypage-profile-email{margin:0;font-size:12.5px;font-weight:600;color:var(--ink-3);overflow:hidden;text-overflow:ellipsis;white-space:nowrap;}
  .mypage-logout-btn{
    flex-shrink:0;background:var(--card-soft);color:var(--ink-2);border:none;
    padding:10px 18px;border-radius:999px;font-size:12.5px;font-weight:700;cursor:pointer;
    transition:background .15s ease;
  }
  .mypage-logout-btn:hover{background:#e5e8eb;}

  /* 왼쪽: 보유 포인트+히스토리 / 오른쪽: 5년 뒤 목돈·이자 절감 시뮬레이터(.home-sim-section, 그 안에서
     또 두 칸으로 세로 스택) 두 칸을 한 행에 배치. 좁은 화면에서는 자연스럽게 세로로 쌓인다. */
  .mypage-split-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;align-items:start;margin-bottom:24px;}
  .mypage-split-row .home-sim-section{margin-bottom:0;}
  @media (max-width:640px){
    .mypage-split-row{grid-template-columns:1fr;}
  }

  .mypage-points-card{
    background:linear-gradient(160deg, var(--brand-soft) 0%, var(--card) 70%);
    border:1px solid rgba(88,92,229,0.14);
    border-radius:var(--radius-lg);padding:28px 24px;
  }
  .mypage-points-label{margin:0 0 8px;font-size:13px;font-weight:700;color:var(--brand);}
  .mypage-points-value{margin:0 0 18px;font-size:clamp(30px,7vw,40px);font-weight:800;color:var(--ink-1);letter-spacing:-0.03em;}
  .mypage-points-value span:last-child{font-size:16px;font-weight:700;color:var(--ink-3);}
  .mypage-progress-top{display:flex;justify-content:space-between;font-size:11.5px;font-weight:700;color:var(--ink-2);margin-bottom:8px;}
  .mypage-progress-track{height:8px;background:rgba(255,255,255,0.7);border-radius:999px;overflow:hidden;}
  .mypage-progress-fill{height:100%;background:var(--brand);border-radius:999px;transition:width .6s cubic-bezier(.22,1,.36,1);}
  .mypage-points-history-divider{height:1px;background:rgba(88,92,229,0.14);margin:24px 0 18px;}
  .mypage-points-card .mypage-section-title{margin:0 0 12px;}
  .mypage-points-card .mypage-history-list{margin:0 -4px;}

  .mypage-section-title{margin:0 0 14px;font-size:15px;font-weight:800;color:var(--ink-1);letter-spacing:-0.03em;}

  /* 관리자 푸시 발송 폼 */
  .admin-push-label{display:block;margin:16px 0 6px;font-size:12.5px;font-weight:700;color:var(--ink-2);}
  .admin-push-label:first-child{margin-top:0;}
  .admin-push-input{
    width:100%;box-sizing:border-box;border:1.5px solid var(--line);border-radius:12px;
    padding:12px 14px;font-size:13.5px;font-weight:600;color:var(--ink-1);
    background:var(--card);font-family:inherit;
  }
  .admin-push-input:focus{outline:none;border-color:var(--brand);}
  .admin-push-textarea{min-height:80px;resize:vertical;}
  .admin-push-submit-btn{
    margin-top:20px;width:100%;background:var(--brand);color:#fff;border:none;
    border-radius:12px;padding:14px;font-size:14px;font-weight:800;cursor:pointer;
  }
  .admin-push-submit-btn:disabled{opacity:0.6;cursor:default;}
  .admin-push-cancel-btn{background:var(--card-soft);color:var(--ink-2);margin-top:8px;}
  .admin-push-result{margin:12px 0 0;font-size:12.5px;font-weight:600;color:var(--ink-2);white-space:pre-wrap;}
  .admin-cal-item{
    display:flex;align-items:center;gap:10px;padding:12px 0;border-bottom:1px solid var(--line);
  }
  .admin-cal-item:last-child{border-bottom:none;}
  .admin-cal-item-body{flex:1;min-width:0;}
  .admin-cal-item-title{margin:0;font-size:13.5px;font-weight:700;color:var(--ink-1);}
  .admin-cal-item-meta{margin:2px 0 0;font-size:11.5px;font-weight:600;color:var(--ink-3);}
  .admin-cal-item-btn{
    flex-shrink:0;border:none;background:var(--card-soft);color:var(--ink-2);
    border-radius:8px;padding:6px 10px;font-size:11.5px;font-weight:700;cursor:pointer;
  }
  .admin-cal-item-btn.danger{color:#f04452;}

  .theme-option-group{
    display:flex;
    gap:4px;
    background:var(--card-soft);
    border-radius:14px;
    padding:4px;
  }
  .theme-option{
    flex:1;
    display:flex;
    align-items:center;
    justify-content:center;
    gap:6px;
    padding:9px 0;
    border-radius:10px;
    cursor:pointer;
    transition:background .15s ease, box-shadow .15s ease;
  }
  .theme-option input[type="radio"]{position:absolute;width:0;height:0;opacity:0;pointer-events:none;}
  .theme-option-label{display:flex;align-items:center;gap:5px;font-size:12.5px;font-weight:700;color:var(--ink-3);white-space:nowrap;}
  .theme-option-label i{font-size:15px;--ph-duotone-secondary-opacity:0;color:var(--ink-3);}
  .theme-option:has(input:checked){background:var(--card);box-shadow:0 1px 3px rgba(15,23,42,0.08);}
  .theme-option:has(input:checked) .theme-option-label{color:var(--ink-1);}
  .theme-option:has(input:checked) .theme-option-label i{color:var(--brand);--ph-duotone-secondary-opacity:0.16;}
  @media (max-width:360px){
    .theme-option-label span{display:none;}
  }


  .mypage-history-list{
    background:var(--card);border-radius:var(--radius-lg);padding:6px 20px;box-shadow:var(--shadow-card);
  }
  .mypage-history-item{
    display:flex;align-items:center;justify-content:space-between;gap:12px;
    padding:14px 0;border-bottom:1px solid var(--line);
  }
  .mypage-history-item:last-child{border-bottom:none;}
  .mypage-history-left{display:flex;flex-direction:column;gap:3px;min-width:0;}
  .mypage-history-reason{font-size:13.5px;font-weight:700;color:var(--ink-1);}
  .mypage-history-date{font-size:11.5px;font-weight:600;color:var(--ink-3);}
  .mypage-history-amount{flex-shrink:0;font-size:14px;font-weight:800;letter-spacing:-0.02em;white-space:nowrap;}
  .mypage-history-amount.positive{color:var(--brand);}
  .mypage-history-amount.negative{color:#f04452;}
  .mypage-history-empty{padding:36px 0;text-align:center;font-size:13px;font-weight:600;color:var(--ink-3);}

  @media (max-width:560px){
    .mypage-logout-btn{width:100%;}
  }

  /* 스플래시 화면 — 네이티브(TWA) 스플래시는 아이콘+배경색만 지원해 텍스트를 못 넣으므로,
     아이콘+앱이름까지 온전히 보여주는 실제 스플래시는 이 웹 레이어가 담당한다.
     배경색을 twa-manifest.json의 backgroundColor(#F2F4F6 = --bg)와 동일하게 맞춰서
     네이티브 스플래시 → 이 화면으로 넘어갈 때 색이 튀지 않고 자연스럽게 이어지게 함. */
  .app-splash{
    position:fixed;inset:0;z-index:99999;
    display:flex;flex-direction:column;align-items:center;justify-content:center;
    gap:18px;
    background:var(--bg);
    overflow:hidden;
  }
  /* 아이콘을 배경+원(shell)과 화살표(arrow) 두 레이어로 분리해서, 화살표만 자기가 가리키는
     대각선(우상단) 방향으로 따로 튀어나가고 나머지는 자리에서 페이드아웃되게 한다 —
     아이콘 전체가 통째로 확대되는 게 아니라 "화살표가 뚫고 나가며 화면이 열리는" 느낌을 만든다. */
  .app-splash-icon-wrap{
    position:relative;
    width:88px;height:88px;
    animation:appSplashIconIn .4s cubic-bezier(.34,1.56,.64,1) both;
  }
  .app-splash-icon-shell,
  .app-splash-icon-arrow{
    position:absolute;inset:0;
    width:100%;height:100%;
    display:block;
  }
  .app-splash-icon-shell{
    border-radius:22px;
    overflow:hidden;
    box-shadow:0 10px 28px rgba(88,92,229,0.28);
    animation:appSplashShellFade 2s cubic-bezier(.45,0,.2,1) forwards;
  }
  .app-splash-icon-arrow{
    transform-origin:50% 50%;
    animation:appSplashArrowLaunch 2s cubic-bezier(.45,0,.2,1) forwards;
  }
  .app-splash-name{
    margin:0;
    font-size:17px;
    font-weight:800;
    color:var(--ink-1);
    letter-spacing:-0.02em;
    animation:appSplashNameInOut 2s ease forwards;
  }
  @keyframes appSplashIconIn{
    0%{opacity:0;transform:scale(.8);}
    100%{opacity:1;transform:scale(1);}
  }
  @keyframes appSplashShellFade{
    0%, 40% { opacity:1; }
    100%    { opacity:0; }
  }
  @keyframes appSplashArrowLaunch{
    0%, 28% { opacity:1; transform:translate(0,0) scale(1) rotate(0deg); }
    42%     { opacity:1; transform:translate(-3px,3px) scale(.9) rotate(-6deg); }   /* 조준 — 반대 방향으로 살짝 웅크림 */
    100%    { opacity:0; transform:translate(170px,-170px) scale(2.6) rotate(8deg); } /* 화살표 방향(우상단)으로 대각선 발사 */
  }
  @keyframes appSplashNameInOut{
    0%   { opacity:0; transform:translateY(6px); }
    14%  { opacity:1; transform:translateY(0); }
    42%  { opacity:1; transform:translateY(0); }
    58%  { opacity:0; transform:translateY(0); } /* 아이콘이 튀어나가기 전에 먼저 사라짐 */
    100% { opacity:0; }
  }

  /* ---------- 맞춤형 정부지원금 조회 (토스 스타일 리팩토링) ---------- */
  .subsidy-filter-summary-bar{
    display:flex;align-items:center;justify-content:space-between;gap:10px;
    background:var(--card-soft);border-radius:14px;padding:13px 14px;margin-bottom:18px;
    cursor:pointer;
  }
  .subsidy-filter-summary-text{display:flex;align-items:center;gap:7px;min-width:0;}
  .subsidy-filter-summary-text i{font-size:16px;color:var(--ink-3);flex-shrink:0;}
  .subsidy-filter-summary-text span{
    font-size:13px;font-weight:700;color:var(--ink-2);
    overflow:hidden;text-overflow:ellipsis;white-space:nowrap;
  }
  .subsidy-filter-edit-btn{
    display:flex;align-items:center;gap:2px;flex-shrink:0;
    border:none;background:none;color:var(--brand);font-size:13px;font-weight:800;
    padding:0;cursor:pointer;font-family:inherit;
  }
  .subsidy-filter-edit-btn i{font-size:13px;}

  .subsidy-filter-reset-link{
    border:none;background:none;color:var(--ink-3);font-size:12.5px;font-weight:700;
    padding:0;cursor:pointer;font-family:inherit;
  }
  .subsidy-filter-reset-link:hover{color:var(--ink-1);}

  .subsidy-hero{margin-bottom:20px;}
  .subsidy-hero-title{
    margin:0;font-size:21px;font-weight:800;color:var(--ink-1);line-height:1.4;letter-spacing:-0.02em;
  }
  .subsidy-hero-title strong{color:var(--brand);}

  .subsidy-category-pills{
    display:flex;gap:6px;flex-wrap:nowrap;overflow-x:auto;
    margin-bottom:14px;padding-bottom:2px;
    scrollbar-width:none;
  }
  .subsidy-category-pills::-webkit-scrollbar{display:none;}
  .subsidy-category-pill{
    flex-shrink:0;padding:8px 14px;border-radius:999px;border:none;
    font-size:12px;font-weight:800;cursor:pointer;font-family:inherit;
    white-space:nowrap;transition:background .15s ease, color .15s ease;
  }

  .subsidy-toolbar{display:flex;align-items:center;justify-content:flex-end;gap:10px;margin-bottom:12px;}
  .subsidy-sort-tabs{display:flex;gap:4px;background:var(--card-soft);border-radius:10px;padding:3px;}
  .subsidy-sort-tab{
    border:none;background:transparent;color:var(--ink-3);font-size:12px;font-weight:700;
    padding:7px 12px;border-radius:8px;cursor:pointer;font-family:inherit;
  }
  .subsidy-sort-tab.is-active{background:var(--card);color:var(--ink-1);box-shadow:0 1px 3px rgba(0,0,0,0.08);}

  .subsidy-card-list{display:flex;flex-direction:column;gap:10px;}
  .subsidy-card{
    background:var(--card);border:none;border-radius:20px;
    padding:18px;cursor:pointer;box-shadow:var(--shadow-card);transition:box-shadow .15s ease, transform .15s ease;
  }
  .subsidy-card:hover{box-shadow:var(--shadow-card-hover);}
  .subsidy-card:active{transform:scale(0.99);}
  .subsidy-card-top{display:flex;align-items:center;justify-content:space-between;gap:6px;margin-bottom:10px;}
  .subsidy-card-dday{font-size:11.5px;font-weight:800;padding:4px 9px;border-radius:999px;background:var(--card-soft);color:var(--ink-2);}
  .subsidy-card-dday.is-urgent{background:rgba(240,68,82,0.12);color:#f04452;}
  .subsidy-card-dday.is-closed{background:var(--card-soft);color:var(--ink-3);}
  .subsidy-bookmark-btn{
    border:none;background:none;padding:4px;margin:-4px;cursor:pointer;
    display:flex;align-items:center;justify-content:center;flex-shrink:0;
  }
  .subsidy-bookmark-btn i{font-size:19px;color:var(--ink-3);--ph-duotone-secondary-opacity:0;transition:color .15s ease;}
  .subsidy-bookmark-btn:active{transform:scale(0.9);}
  .subsidy-bookmark-btn.is-bookmarked i{color:#f04452;--ph-duotone-secondary-opacity:0.25;}
  .subsidy-card-cat-mini{display:block;font-size:11.5px;font-weight:800;margin-bottom:4px;}
  .subsidy-card-title{margin:0 0 6px;font-size:15.5px;font-weight:800;color:var(--ink-1);line-height:1.4;}
  .subsidy-card-summary{margin:0;font-size:13px;color:var(--ink-3);line-height:1.5;}
  .subsidy-card-link{
    display:flex;align-items:center;gap:4px;margin-top:12px;padding-top:12px;
    border-top:1px solid var(--line);font-size:12.5px;font-weight:800;color:var(--brand);
  }
  .subsidy-card-link i{font-size:13px;}

  .subsidy-empty-state{text-align:center;padding:48px 20px;}
  .subsidy-empty-state p{margin:0 0 14px;font-size:13.5px;font-weight:600;color:var(--ink-3);}
  .subsidy-empty-cta{
    border:none;background:var(--brand-soft);color:var(--brand);
    padding:11px 20px;border-radius:12px;font-size:13px;font-weight:800;
    cursor:pointer;font-family:inherit;
  }

  .subsidy-card.is-skeleton{cursor:default;box-shadow:none;background:var(--card);}
  .subsidy-skel-bar{
    display:inline-block;border-radius:6px;
    background:linear-gradient(90deg, var(--card-soft) 25%, #eef0f2 37%, var(--card-soft) 63%);
    background-size:400% 100%;
    animation:homeNewsSkeletonPulse 1.5s ease infinite;
  }

  .subsidy-detail-modal{display:flex;flex-direction:column;padding:0;}
  .subsidy-detail-scroll{overflow-y:auto;padding:22px;flex:1;min-height:0;}
  .subsidy-detail-header-actions{display:flex;align-items:center;gap:6px;}

  .subsidy-detail-benefit-box{
    margin:0 0 18px;padding:14px 16px;background:var(--brand-soft);border-radius:14px;
  }
  .subsidy-detail-benefit-eyebrow{margin:0 0 4px;font-size:11.5px;font-weight:800;color:var(--brand);}
  .subsidy-detail-benefit{margin:0;font-size:15px;font-weight:800;color:var(--ink-1);line-height:1.55;}

  .subsidy-checklist{margin-bottom:20px;}
  .subsidy-checklist-title{display:flex;align-items:center;gap:6px;margin:0 0 10px;font-size:13px;font-weight:800;color:var(--ink-2);}
  .subsidy-checklist-title i{font-size:15px;}
  .subsidy-checklist-rows{display:flex;flex-direction:column;gap:8px;}
  .subsidy-checklist-row{
    display:flex;align-items:center;gap:10px;padding:11px 12px;
    background:var(--card-soft);border-radius:10px;cursor:pointer;
  }
  .subsidy-checklist-row input{width:17px;height:17px;flex-shrink:0;accent-color:var(--brand);}
  .subsidy-checklist-row span{font-size:13px;font-weight:600;color:var(--ink-1);}
  .subsidy-checklist-row.is-checked span{color:var(--ink-3);text-decoration:line-through;}

  .subsidy-detail-actionbar{
    display:flex;flex-direction:column;gap:8px;flex-shrink:0;
    padding:14px 22px calc(14px + env(safe-area-inset-bottom, 0px));
    border-top:1px solid var(--line);background:var(--card);
  }
  .subsidy-detail-actionrow{display:flex;gap:8px;}
  .subsidy-share-btn-v2{
    display:flex;align-items:center;justify-content:center;gap:6px;flex-shrink:0;
    background:#FEE500;color:#3C1E1E;border:none;border-radius:12px;
    padding:14px 16px;font-size:13px;font-weight:800;cursor:pointer;font-family:inherit;
  }
  .subsidy-apply-btn-v2{
    flex:1;display:flex;align-items:center;justify-content:center;gap:6px;
    background:var(--brand);color:#fff;border-radius:12px;padding:14px;
    font-size:14px;font-weight:800;text-decoration:none;
  }
  .subsidy-ai-ask-btn-v2{
    display:flex;align-items:center;justify-content:center;gap:6px;width:100%;
    background:var(--brand-soft);color:var(--brand);border:none;border-radius:12px;
    padding:12px;font-size:13px;font-weight:800;cursor:pointer;font-family:inherit;
  }

  /* ---------- 청약·공모주 (토스 스타일) ---------- */
  .ipo-segmented{
    display:flex;gap:4px;background:var(--card-soft);border-radius:12px;padding:4px;margin-bottom:20px;
  }
  .ipo-segmented-tab{
    flex:1;border:none;background:transparent;color:var(--ink-3);font-size:13px;font-weight:800;
    padding:10px 8px;border-radius:9px;cursor:pointer;font-family:inherit;
  }
  .ipo-segmented-tab.is-active{background:var(--card);color:var(--ink-1);box-shadow:0 1px 3px rgba(0,0,0,0.08);}

  .ipo-hero{margin-bottom:20px;}
  .ipo-hero-title{margin:0 0 12px;font-size:21px;font-weight:800;color:var(--ink-1);line-height:1.4;letter-spacing:-0.02em;}
  .ipo-hero-title strong{color:var(--brand);}
  .ipo-hero-score-link{
    display:inline-flex;align-items:center;gap:6px;
    background:var(--brand-soft);color:var(--brand);border:none;border-radius:999px;
    padding:9px 14px;font-size:12.5px;font-weight:800;cursor:pointer;font-family:inherit;
  }
  .ipo-hero-score-link:hover{background:var(--brand-soft-2);}

  .ipo-category-filter{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:16px;}
  .ipo-category-chip{
    padding:8px 15px;border-radius:999px;border:none;
    background:var(--card-soft);color:var(--ink-2);
    font-size:12.5px;font-weight:700;cursor:pointer;font-family:inherit;letter-spacing:-0.02em;
  }
  .ipo-category-chip.is-active{background:var(--brand);color:#fff;}

  .ipo-card-list{display:flex;flex-direction:column;gap:10px;}
  .ipo-card{
    background:var(--card);border:none;border-radius:18px;padding:18px;
    cursor:pointer;box-shadow:var(--shadow-card);transition:box-shadow .15s ease, transform .15s ease;
  }
  .ipo-card:hover{box-shadow:var(--shadow-card-hover);}
  .ipo-card:active{transform:scale(0.99);}
  .ipo-card-top{display:flex;align-items:center;gap:6px;margin-bottom:12px;}
  .ipo-card-dday{font-size:11.5px;font-weight:800;padding:4px 9px;border-radius:999px;background:var(--card-soft);color:var(--ink-2);}
  .ipo-card-dday.is-urgent{background:rgba(240,68,82,0.12);color:#f04452;}
  .ipo-card-dday.is-closed{background:var(--card-soft);color:var(--ink-3);}
  .ipo-card-underwriter{font-size:11.5px;font-weight:800;padding:4px 9px;border-radius:999px;background:var(--brand-soft);color:var(--brand);}
  .ipo-card-category{font-size:11px;font-weight:800;padding:4px 9px;border-radius:999px;background:var(--card-soft);color:var(--ink-3);}
  .ipo-card-category-spac{background:rgba(8,145,178,0.12);color:#0891b2;}
  .ipo-card-category-reit{background:rgba(217,119,6,0.12);color:#d97706;}
  .ipo-card-category-rights{background:rgba(147,51,234,0.12);color:#9333ea;}
  .ipo-card-stage{font-size:11px;font-weight:700;color:var(--ink-3);}
  .ipo-card-name{margin:0 0 4px;font-size:16px;font-weight:800;color:var(--ink-1);line-height:1.4;}
  .ipo-card-price{margin:0 0 14px;font-size:13.5px;font-weight:700;color:var(--ink-2);}
  .ipo-card-meta{display:flex;flex-direction:column;gap:6px;padding-top:12px;border-top:1px solid var(--line);}
  .ipo-card-meta-row{display:flex;justify-content:space-between;gap:10px;font-size:12.5px;}
  .ipo-card-meta-label{color:var(--ink-3);font-weight:600;flex-shrink:0;}
  .ipo-card-meta-value{color:var(--ink-1);font-weight:700;text-align:right;}

  /* .ipo-detail-modal 등은 이름과 달리 청약·공모주 전용이 아니라 finance-products 상세 모달
     (financeDetailRateLabel/financeDetailRate/financeDetailSiteBtn)도 같이 쓰는 공용 클래스라
     삭제하지 않고 그대로 둔다 — 청약 모달 전용 스타일은 전부 .ipo160-* 새 클래스로 분리했다. */
  .ipo-detail-modal{display:flex;flex-direction:column;padding:0;}
  .ipo-detail-price-box{
    margin:0 0 18px;padding:14px 16px;background:var(--brand-soft);border-radius:14px;
  }
  .ipo-detail-price-eyebrow{margin:0 0 4px;font-size:11.5px;font-weight:800;color:var(--brand);}
  .ipo-detail-price{margin:0;font-size:17px;font-weight:800;color:var(--ink-1);}
  .ipo-broker-btn-v2{
    flex:1;display:flex;align-items:center;justify-content:center;gap:6px;
    background:var(--brand);color:#fff;border:none;border-radius:12px;padding:14px;
    font-size:14px;font-weight:800;cursor:pointer;font-family:inherit;
    box-shadow:0 6px 16px -4px var(--brand);
  }

  /* ---------- 청약·공모주 상세 모달: 일육공(160) 스타일 카드·타임라인 ---------- */
  .ipo160-modal{display:flex;flex-direction:column;padding:0;}
  .ipo-detail-scroll{overflow-y:auto;padding:22px;flex:1;min-height:0;position:relative;}
  .ipo160-close-btn{
    position:absolute;top:18px;right:18px;z-index:2;
    width:32px;height:32px;display:flex;align-items:center;justify-content:center;
    background:var(--card-soft);color:var(--ink-2);border:none;border-radius:999px;cursor:pointer;
  }

  .ipo160-profile{text-align:center;padding:8px 0 20px;}
  .ipo160-logo{
    width:56px;height:56px;margin:0 auto 12px;border-radius:50%;
    background:var(--brand);color:#fff;display:flex;align-items:center;justify-content:center;
    font-size:22px;font-weight:800;
  }
  .ipo160-profile h3{margin:0 0 6px;font-size:19px;font-weight:800;color:var(--ink-1);}
  .ipo160-market-line{margin:0 0 8px;font-size:12.5px;font-weight:700;color:var(--brand);}
  .ipo160-tagline{margin:0;font-size:12.5px;color:var(--ink-3);font-weight:600;}

  .ipo160-card{background:var(--card-soft);border-radius:16px;padding:16px;margin-bottom:14px;}
  .ipo160-section-title{margin:0 0 12px;font-size:13px;font-weight:800;color:var(--ink-1);}

  .ipo160-broker-card{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;}
  .ipo160-broker-row{display:flex;align-items:center;gap:10px;}
  .ipo160-broker-badge{
    width:32px;height:32px;border-radius:10px;flex-shrink:0;
    background:var(--brand-soft);color:var(--brand);display:flex;align-items:center;justify-content:center;
    font-size:14px;font-weight:800;
  }
  .ipo160-broker-name{font-size:13.5px;font-weight:800;color:var(--ink-1);}
  .ipo160-min-unit{margin:0;font-size:11.5px;font-weight:700;color:var(--ink-3);}

  .ipo160-timeline{padding:4px 4px 0;}
  .ipo160-timeline-step{display:flex;gap:12px;position:relative;padding-bottom:20px;}
  .ipo160-timeline-step:last-child{padding-bottom:0;}
  .ipo160-timeline-step::before{
    content:"";position:absolute;left:5px;top:16px;bottom:0;width:1px;
    border-left:1.5px dashed var(--line);
  }
  .ipo160-timeline-step:last-child::before{display:none;}
  .ipo160-timeline-dot{
    width:11px;height:11px;border-radius:50%;flex-shrink:0;margin-top:3px;
    background:var(--card);border:2px solid var(--ink-3);
  }
  .ipo160-timeline-step.is-done .ipo160-timeline-dot{background:var(--profit-color, var(--brand));border-color:var(--profit-color, var(--brand));}
  .ipo160-timeline-step.is-active .ipo160-timeline-dot{background:var(--brand);border-color:var(--brand);box-shadow:0 0 0 4px var(--brand-soft);}
  .ipo160-timeline-label{margin:0 0 3px;font-size:12px;font-weight:700;color:var(--ink-3);}
  .ipo160-timeline-step.is-active .ipo160-timeline-label{color:var(--brand);}
  .ipo160-timeline-date{margin:0;font-size:13.5px;font-weight:800;color:var(--ink-1);}

  .ipo160-accordion-toggle{
    display:flex;align-items:center;justify-content:space-between;width:100%;
    background:none;border:none;cursor:pointer;font-family:inherit;
    font-size:13px;font-weight:800;color:var(--ink-1);padding:0;
  }
  .ipo160-accordion-arrow{font-size:10px;color:var(--ink-3);transition:transform .2s ease;}
  .ipo160-accordion-toggle[aria-expanded="true"] .ipo160-accordion-arrow{transform:rotate(180deg);}
  .ipo160-accordion-body{max-height:0;overflow:hidden;transition:max-height .25s ease;}
  .ipo160-info-row{
    display:flex;justify-content:space-between;gap:10px;font-size:13px;
    padding:10px 0;border-top:1px solid var(--line);
  }
  .ipo160-info-row:first-child{border-top:none;padding-top:12px;}
  .ipo160-info-row span{color:var(--ink-3);font-weight:600;}
  .ipo160-info-row strong{color:var(--ink-1);font-weight:800;}
  .ipo160-info-row strong.muted{color:var(--ink-3);font-weight:700;font-size:12px;}

  .ipo160-demand-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:10px;}
  .ipo160-demand-item{
    background:var(--card);border-radius:12px;padding:12px;text-align:center;
  }
  .ipo160-demand-item span{display:block;font-size:11px;font-weight:600;color:var(--ink-3);margin-bottom:6px;}
  .ipo160-demand-item strong{font-size:14px;font-weight:800;color:var(--ink-1);}
  .ipo160-demand-item strong.muted{color:var(--ink-3);}

  .ipo160-disclaimer-card{background:var(--card-soft);border-radius:16px;padding:16px;}
  .ipo160-disclaimer-list{margin:0;padding-left:18px;}
  .ipo160-disclaimer-list li{font-size:12px;line-height:1.7;color:var(--ink-3);margin-bottom:6px;}
  .ipo160-disclaimer-list li:last-child{margin-bottom:0;}

  .ipo-detail-actionbar{
    display:flex;gap:8px;flex-shrink:0;
    padding:14px 22px calc(14px + env(safe-area-inset-bottom, 0px));
    border-top:1px solid var(--line);background:var(--card);
  }
  .ipo-share-btn-v2{
    display:flex;align-items:center;justify-content:center;gap:6px;flex-shrink:0;
    background:var(--card-soft);color:var(--ink-2);border:none;border-radius:12px;
    padding:14px 16px;font-size:13px;font-weight:800;cursor:pointer;font-family:inherit;
  }
  .ipo160-share-btn-full{flex:1;background:var(--brand);color:#fff;box-shadow:0 6px 16px -4px var(--brand);}

  /* ---------- IpoAllocationCalculator (청약 상세 모달 내) ---------- */
  .ipo-alloc-chip-row{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:10px;}
  .ipo-alloc-chip{
    background:var(--card);color:var(--ink-2);border:none;border-radius:999px;
    padding:7px 13px;font-size:12.5px;font-weight:700;cursor:pointer;font-family:inherit;
  }
  .ipo-alloc-chip:hover{background:var(--brand-soft);color:var(--brand);}
  .ipo-alloc-input-row{display:flex;gap:8px;margin-bottom:12px;}
  .ipo-alloc-input-group{flex:1;min-width:0;}
  .ipo-alloc-input-group label{display:block;font-size:11.5px;font-weight:700;color:var(--ink-3);margin-bottom:5px;}
  .ipo-alloc-input-group input{
    width:100%;background:var(--card);border:1px solid var(--line);border-radius:10px;
    padding:10px 12px;font-size:13.5px;font-weight:700;color:var(--ink-1);font-family:inherit;
  }
  .ipo-alloc-result{background:var(--card);border-radius:12px;padding:14px;}
  .ipo-alloc-row{display:flex;justify-content:space-between;gap:10px;font-size:13px;padding:6px 0;}
  .ipo-alloc-row span{color:var(--ink-3);font-weight:600;}
  .ipo-alloc-row strong{color:var(--ink-1);font-weight:800;}
  .ipo-alloc-row strong.muted{color:var(--ink-3);font-weight:700;font-size:12px;}
  .ipo-alloc-hint{margin:8px 0 0;font-size:11.5px;color:var(--ink-3);line-height:1.6;}

  .ipo-scoring-source-link{
    display:inline-flex;align-items:center;gap:6px;
    font-size:12.5px;font-weight:800;color:var(--brand);
  }

  /* ---------- 경제사전 (오늘의 경제용어) ---------- */
  .dict-head{margin-bottom:18px;}
  .dict-head h2{margin:4px 0 6px;font-size:20px;font-weight:800;color:var(--ink-1);}
  .dict-head p{margin:0;font-size:13px;color:var(--ink-3);}

  .dict-today-card{
    background:linear-gradient(135deg, var(--brand) 0%, var(--brand-2) 100%);
    border-radius:20px;padding:24px;margin-bottom:26px;color:#fff;
  }
  .dict-today-badge{
    display:inline-block;font-size:11.5px;font-weight:800;padding:4px 10px;border-radius:999px;
    background:rgba(255,255,255,0.2);margin-bottom:12px;
  }
  .dict-today-term{margin:0 0 10px;font-size:24px;font-weight:800;letter-spacing:-0.02em;}
  .dict-today-def{margin:0 0 14px;font-size:14px;font-weight:500;line-height:1.6;opacity:0.95;}
  .dict-today-example{
    font-size:13px;font-weight:500;line-height:1.6;padding:12px 14px;
    background:rgba(255,255,255,0.14);border-radius:12px;
  }

  .dict-list-title{margin:0 0 12px;font-size:14px;font-weight:800;color:var(--ink-1);}
  .dict-term-list{display:flex;flex-direction:column;gap:8px;}
  .dict-term-item{
    display:flex;align-items:center;justify-content:space-between;gap:10px;
    background:var(--card);border:none;border-radius:14px;padding:14px 16px;cursor:pointer;
    box-shadow:var(--shadow-card);transition:box-shadow .15s ease;
  }
  .dict-term-item:hover{box-shadow:var(--shadow-card-hover);}
  .dict-term-name{font-size:14px;font-weight:800;color:var(--ink-1);}
  .dict-term-item i{font-size:16px;color:var(--ink-3);flex-shrink:0;}

  .dict-detail-def{margin:0 0 14px;font-size:14px;font-weight:600;color:var(--ink-1);line-height:1.6;}
  .dict-detail-example{
    font-size:13px;font-weight:500;color:var(--ink-2);line-height:1.6;
    padding:14px 16px;background:var(--card-soft);border-radius:12px;
  }

  /* ---------- 뉴스 · 금융소식 ---------- */
  .news-head{margin-bottom:20px;}
  .news-head h2{margin:4px 0 7px;font-size:23px;font-weight:800;color:var(--ink-1);}
  .news-head p{margin:0;font-size:14.5px;color:var(--ink-3);}

  .news-category-filter{display:flex;flex-wrap:wrap;gap:7px;margin-bottom:18px;}
  .news-category-chip{
    padding:10px 17px;border-radius:999px;border:none;
    background:var(--card-soft);color:var(--ink-2);
    font-size:14px;font-weight:700;cursor:pointer;font-family:inherit;letter-spacing:-0.02em;
  }
  .news-category-chip.is-active{background:var(--brand);color:#fff;}

  /* 실시간 트렌드 — 라벨은 고정하고 칩 트랙만 가로로 흐른다(JS가 자동으로 왕복 스크롤).
     스크롤바는 시각적으로만 숨기고(overflow는 유지) 터치/드래그로 직접 넘기는 것도 그대로 된다. */
  .news-trend-row{display:flex;align-items:center;gap:11px;margin-bottom:16px;}
  .news-trend-label{
    flex-shrink:0;display:flex;align-items:center;gap:5px;
    font-size:14px;font-weight:800;color:var(--ink-2);
  }
  .news-trend-label i{color:#f59e0b;font-size:16px;--ph-duotone-secondary-opacity:0;}
  .news-trend-chips{
    display:flex;gap:7px;
    flex:1;min-width:0;
    overflow-x:auto;
    scrollbar-width:none;
    -ms-overflow-style:none;
  }
  .news-trend-chips::-webkit-scrollbar{display:none;}
  .news-trend-chip{
    flex-shrink:0;background:var(--card-soft);color:var(--ink-2);border:none;
    padding:7px 14px;border-radius:999px;font-size:13.5px;font-weight:700;cursor:pointer;
    white-space:nowrap;font-family:inherit;
  }
  .news-trend-chip.is-active{background:var(--brand);color:#fff;}

  /* 오늘 주요뉴스 — 현재 탭 목록의 상위 2건을 강조 카드로 보여준다. */
  .news-top-section{margin-bottom:18px;}
  .news-top-title{display:flex;align-items:center;gap:5px;margin:0 0 10px;font-size:14.5px;font-weight:800;color:var(--ink-1);}
  .news-top-title i{color:#f59e0b;font-size:16px;--ph-duotone-secondary-opacity:0.2;}
  .news-top-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;}
  .news-top-item{
    display:block;background:var(--brand-soft);border-radius:14px;padding:14px;
    text-decoration:none;transition:box-shadow .15s ease;
  }
  .news-top-item:hover{box-shadow:var(--shadow-card-hover);}
  .news-top-title-text{
    margin:0 0 8px;font-size:13px;font-weight:700;color:var(--ink-1);line-height:1.4;
    display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden;
  }
  .news-top-meta{display:flex;gap:6px;font-size:11px;font-weight:600;color:var(--ink-3);}
  .news-top-source{color:var(--brand);}
  @media (max-width:480px){
    .news-top-grid{grid-template-columns:1fr;}
  }

  .news-page-list{display:flex;flex-direction:column;gap:10px;}
  .news-page-item{
    display:block;background:var(--card);border-radius:16px;padding:16px;
    box-shadow:var(--shadow-card);transition:box-shadow .15s ease;text-decoration:none;
  }
  .news-page-item:hover{box-shadow:var(--shadow-card-hover);}
  .news-page-title{margin:0 0 8px;font-size:14.5px;font-weight:700;color:var(--ink-1);line-height:1.5;}
  .news-page-meta{display:flex;gap:8px;font-size:12px;font-weight:600;color:var(--ink-3);}
  .news-page-source{color:var(--brand);}

  .news-page-empty{text-align:center;padding:48px 20px;font-size:13.5px;font-weight:600;color:var(--ink-3);}

  .news-page-skel{
    height:78px;border-radius:16px;
    background:linear-gradient(90deg, var(--card-soft) 25%, #eef0f2 37%, var(--card-soft) 63%);
    background-size:400% 100%;animation:homeNewsSkeletonPulse 1.5s ease infinite;
  }

  /* ---------- 설정 ---------- */
  .settings-head{margin-bottom:18px;}
  .settings-head h2{margin:4px 0 6px;font-size:20px;font-weight:800;color:var(--ink-1);}

  .settings-section{margin-bottom:24px;}
  .settings-section-title{margin:0 0 12px;font-size:13px;font-weight:800;color:var(--ink-3);}
  .settings-logout-btn{
    width:100%;display:flex;align-items:center;justify-content:center;gap:8px;
    background:var(--card);border:none;border-radius:14px;padding:15px;
    font-size:14px;font-weight:700;color:#f04452;cursor:pointer;font-family:inherit;
    box-shadow:var(--shadow-card);
  }
  .settings-danger-btn{margin-top:10px;color:#fff;background:#f04452;}
  .settings-link-list{background:var(--card);border-radius:14px;box-shadow:var(--shadow-card);overflow:hidden;}
  .settings-link-item{
    display:flex;align-items:center;justify-content:space-between;gap:8px;
    padding:15px 16px;font-size:14px;font-weight:600;color:var(--ink-1);
    text-decoration:none;border-bottom:1px solid var(--line);
  }
  .settings-link-item:last-child{border-bottom:none;}
  .settings-link-item i{font-size:15px;color:var(--ink-3);--ph-duotone-secondary-opacity:0;}
  .settings-version{text-align:center;font-size:12px;font-weight:600;color:var(--ink-3);margin-top:20px;}

  /* ---------- 핀 파일럿 허브 하단 SEO 안내 ---------- */
  .finpilot-seo-guide{
    margin:36px 0 12px;padding:24px 20px;
    background:var(--card);border-radius:var(--radius-lg);
    box-shadow:var(--shadow-card);
  }
  .finpilot-seo-guide h2{margin:0 0 16px;font-size:18px;font-weight:800;color:var(--ink-1);}
  .finpilot-seo-guide h3{margin:20px 0 8px;font-size:15px;font-weight:800;color:var(--ink-1);}
  .finpilot-seo-guide h3:first-of-type{margin-top:0;}
  .finpilot-seo-guide p{margin:0 0 4px;font-size:13.5px;line-height:1.75;color:var(--ink-2);}
  .finpilot-seo-guide strong{color:var(--ink-1);font-weight:700;}
  .finpilot-seo-guide-disclaimer{margin-top:18px !important;font-size:12px !important;color:var(--ink-3) !important;line-height:1.6 !important;}