/* ============================================================
   종합재무설계 보고서 시스템 — 프리미엄 디자인 시스템
   ============================================================ */
:root {
  --navy:       #0d2040;
  --navy-mid:   #1a3a6c;
  --navy-light: #2554a0;
  --gold:       #c9a846;
  --gold-light: #e8c96a;
  --gold-dark:  #9e7e28;
  --bg:         #f0f3f8;
  --bg-card:    #ffffff;
  --sidebar-w:  260px;
  --text-1:     #0d2040;
  --text-2:     #4a5568;
  --text-3:     #8898aa;
  --border:     #e2e8f0;
  --success:    #22c55e;
  --warning:    #f59e0b;
  --danger:     #ef4444;
  --info:       #3b82f6;
  --r:          12px;
  --r-sm:       8px;
  --sh:         0 2px 16px rgba(13,32,64,.08);
  --sh-lg:      0 8px 32px rgba(13,32,64,.14);
}

/* reset */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html, body { font-family: 'Noto Sans KR', sans-serif; background: var(--bg); color: var(--text-1); font-size: 14px; line-height: 1.6; }

/* ============================================================
   소스코드 복제 방지 - 텍스트 선택 차단 (입력 필드 제외)
   ============================================================ */
body {
  -webkit-user-select: none;
  -moz-user-select: none;
  -ms-user-select: none;
  user-select: none;
}
input, textarea, select, [contenteditable="true"] {
  -webkit-user-select: text;
  -moz-user-select: text;
  -ms-user-select: text;
  user-select: text;
}
/* 드래그 방지 */
img, svg { -webkit-user-drag: none; user-drag: none; pointer-events: none; }
/* 단, 버튼/링크 클릭은 허용 */
button, a, label, input, textarea, select { pointer-events: auto; }

/* ============================================================
   사이드바
   ============================================================ */
.sidebar {
  position: fixed; left: 0; top: 0; bottom: 0;
  width: var(--sidebar-w);
  background: var(--navy);
  display: flex; flex-direction: column;
  z-index: 200;
  box-shadow: 4px 0 24px rgba(0,0,0,0.18);
  transition: transform 0.3s;
  overflow-y: auto;
}
.sidebar.hidden { transform: translateX(-100%); }

.sidebar-logo {
  display: flex; align-items: center; gap: 12px;
  padding: 24px 20px 16px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.sidebar-logo-icon {
  width: 40px; height: 40px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 18px; color: var(--navy);
}
.sl-main { display: block; font-size: 15px; font-weight: 800; color: #fff; font-family: 'Noto Serif KR', serif; }
.sl-sub  { display: block; font-size: 10px; color: var(--gold-light); letter-spacing: 0.5px; margin-top: 1px; }

.sidebar-client {
  padding: 12px 20px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  background: rgba(255,255,255,0.04);
}
.sb-client-name { font-size: 14px; font-weight: 700; color: var(--gold-light); }
.sb-client-date { font-size: 11px; color: rgba(255,255,255,0.45); margin-top: 2px; }

.sidebar-progress { padding: 12px 20px; border-bottom: 1px solid rgba(255,255,255,0.08); }
.sp-label { font-size: 10px; color: rgba(255,255,255,0.4); letter-spacing: 1px; text-transform: uppercase; margin-bottom: 6px; }
.sp-bar { height: 4px; background: rgba(255,255,255,0.1); border-radius: 10px; overflow: hidden; }
.sp-fill { height: 100%; background: linear-gradient(90deg, var(--gold), var(--gold-light)); border-radius: 10px; transition: width 0.5s; }
.sp-pct { font-size: 11px; color: var(--gold-light); text-align: right; margin-top: 4px; }

.sidebar-menu { list-style: none; padding: 8px 0; flex: 1; }
.sm-item {
  display: flex; align-items: center; gap: 10px;
  padding: 10px 20px;
  cursor: pointer;
  font-size: 13px; color: rgba(255,255,255,0.6);
  transition: all 0.2s;
  border-left: 3px solid transparent;
}
.sm-item:hover { background: rgba(255,255,255,0.06); color: #fff; border-left-color: var(--gold); }
.sm-item.active { background: rgba(201,168,70,.12); color: #fff; border-left-color: var(--gold); font-weight: 600; }
.sm-item i { width: 18px; text-align: center; flex-shrink: 0; font-size: 13px; }
.sm-report { margin-top: 8px; border-top: 1px solid rgba(255,255,255,0.08); padding-top: 14px; color: var(--gold-light) !important; font-weight: 700 !important; }

.sidebar-bottom {
  padding: 14px 16px;
  border-top: 1px solid rgba(255,255,255,0.08);
  display: flex; gap: 8px;
}
.sb-btn-sample, .sb-btn-reset {
  flex: 1; padding: 8px 6px;
  border: none; border-radius: var(--r-sm);
  font-size: 11px; font-weight: 600; cursor: pointer;
  display: flex; align-items: center; justify-content: center; gap: 4px;
  transition: all 0.2s;
}
.sb-btn-sample { background: rgba(34,197,94,0.15); color: #4ade80; }
.sb-btn-sample:hover { background: #22c55e; color: #fff; }
.sb-btn-reset  { background: rgba(239,68,68,0.15); color: #f87171; }
.sb-btn-reset:hover  { background: #ef4444; color: #fff; }

.sidebar-toggle {
  position: fixed; top: 16px; left: 16px;
  z-index: 300;
  width: 40px; height: 40px;
  background: var(--navy);
  color: #fff; border: none; border-radius: var(--r-sm);
  font-size: 16px; cursor: pointer;
  box-shadow: var(--sh-lg);
  display: none;
  align-items: center; justify-content: center;
}

/* ============================================================
   메인 컨텐츠
   ============================================================ */
.main-content {
  margin-left: var(--sidebar-w);
  min-height: 100vh;
  transition: margin-left 0.3s;
  width: calc(100vw - var(--sidebar-w));
  box-sizing: border-box;
  overflow-x: hidden;
}
.screen { display: none; padding: 24px; }
.screen.active { display: block; }

/* 대시보드 */
.dash-wrapper { max-width: 1100px; margin: 0 auto; }
.dash-header { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 32px; }
.dash-greeting { font-size: 13px; color: var(--text-3); margin-bottom: 4px; }
.dash-title { font-size: 28px; font-weight: 800; color: var(--navy); font-family: 'Noto Serif KR', serif; margin-bottom: 8px; }
.dash-desc { font-size: 13px; color: var(--text-2); }
.dash-date-box { text-align: right; }
.dash-today { font-size: 14px; color: var(--text-3); margin-bottom: 12px; }

.dash-kpi-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-bottom: 32px; }
.kpi-card {
  background: var(--bg-card); border-radius: var(--r);
  padding: 20px; display: flex; align-items: center; gap: 14px;
  box-shadow: var(--sh); border: 1px solid var(--border); transition: all 0.25s;
}
.kpi-card:hover { box-shadow: var(--sh-lg); transform: translateY(-2px); }
.kpi-icon { width: 48px; height: 48px; border-radius: var(--r-sm); display: flex; align-items: center; justify-content: center; font-size: 20px; flex-shrink: 0; }
.kpi-income .kpi-icon { background: #dcfce7; color: #16a34a; }
.kpi-asset  .kpi-icon { background: #dbeafe; color: #1d4ed8; }
.kpi-retire .kpi-icon { background: #fef3c7; color: #d97706; }
.kpi-goal   .kpi-icon { background: #fae8ff; color: #9333ea; }
.kpi-label { font-size: 11px; color: var(--text-3); font-weight: 600; display: block; margin-bottom: 4px; }
.kpi-value { font-size: 20px; font-weight: 800; color: var(--navy); }

.section-label { font-size: 12px; font-weight: 700; color: var(--text-3); letter-spacing: 1px; text-transform: uppercase; margin-bottom: 14px; margin-top: 8px; }
.step-cards-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.step-nav-card {
  background: var(--bg-card); border: 1.5px solid var(--border);
  border-radius: var(--r); padding: 18px 16px;
  cursor: pointer; transition: all 0.25s;
  display: flex; flex-direction: column; align-items: center; gap: 8px; text-align: center;
  box-shadow: var(--sh);
}
.step-nav-card:hover { border-color: var(--navy-light); box-shadow: var(--sh-lg); transform: translateY(-3px); }
.step-report-card { background: linear-gradient(135deg, var(--navy), var(--navy-mid)); border-color: var(--navy); }
.step-report-card .snc-num, .step-report-card .snc-title, .step-report-card .snc-check { color: var(--gold-light) !important; }
.step-report-card .snc-icon { color: var(--gold); }
.snc-num { font-size: 10px; font-weight: 800; color: var(--text-3); letter-spacing: 1px; }
.snc-icon { font-size: 22px; color: var(--navy-light); }
.snc-title { font-size: 12px; font-weight: 700; color: var(--navy); }
.snc-check { font-size: 14px; color: var(--success); }

/* 페이지 공통 */
.page-wrap { max-width: 1100px; margin: 0 auto; }
.page-header {
  display: flex; align-items: center; justify-content: space-between;
  margin-bottom: 24px; padding-bottom: 18px;
  border-bottom: 2px solid var(--navy);
}
.page-header h2 { font-size: 22px; font-weight: 800; color: var(--navy); display: flex; align-items: center; gap: 10px; }
.page-header h2 i { color: var(--gold); }
.ph-actions { display: flex; gap: 10px; }

.btn-prev, .btn-next, .btn-gold, .btn-primary, .btn-outline {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 9px 20px; border-radius: 30px; font-size: 13px; font-weight: 700;
  cursor: pointer; transition: all 0.2s; border: none;
}
.btn-prev   { background: var(--bg); color: var(--navy); border: 1.5px solid var(--border); }
.btn-prev:hover { background: var(--navy); color: #fff; }
.btn-next   { background: linear-gradient(135deg, var(--navy), var(--navy-mid)); color: #fff; box-shadow: 0 3px 10px rgba(13,32,64,.25); }
.btn-next:hover { opacity: .9; transform: translateX(2px); }
.btn-gold   { background: linear-gradient(135deg, var(--gold), var(--gold-dark)); color: var(--navy); box-shadow: 0 3px 10px rgba(201,168,70,.35); }
.btn-gold:hover { opacity: .9; }
.btn-primary { background: linear-gradient(135deg, var(--navy), var(--navy-mid)); color: #fff; box-shadow: 0 4px 14px rgba(13,32,64,.25); }
.btn-primary:hover { opacity: .9; transform: translateY(-1px); }
.btn-outline { background: transparent; color: var(--navy); border: 2px solid var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }

/* 카드 */
.card {
  background: var(--bg-card); border: 1px solid var(--border);
  border-radius: var(--r); padding: 22px 24px;
  box-shadow: var(--sh);
}
.card.mt16 { margin-top: 16px; }
.card.mt12 { margin-top: 12px; }
.card-title {
  font-size: 15px; font-weight: 700; color: var(--navy);
  padding-bottom: 14px; margin-bottom: 16px;
  border-bottom: 2px solid;
  border-image: linear-gradient(90deg, var(--navy), var(--gold)) 1;
  display: flex; align-items: center; gap: 8px;
}
.card-title i { color: var(--gold); }

.cards-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.chart-row-2  { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; align-items: center; }

/* 폼 */
.form-grid2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px 16px; }
.fg { display: flex; flex-direction: column; gap: 4px; }
.fg.full { grid-column: 1/-1; }
.fg label { font-size: 11px; font-weight: 600; color: var(--text-2); }
.fg input, .fg select, .fg textarea {
  padding: 8px 11px; border: 1.5px solid var(--border); border-radius: var(--r-sm);
  font-size: 13px; font-family: 'Noto Sans KR', sans-serif; color: var(--text-1); outline: none;
  transition: border-color .2s; background: #fff;
}
.fg input:focus, .fg select:focus { border-color: var(--navy-light); box-shadow: 0 0 0 3px rgba(37,84,160,.08); }
.fg textarea { resize: vertical; min-height: 80px; }

/* 서브타이틀 */
.sub-title { font-size: 12px; font-weight: 700; color: var(--navy-mid); margin: 16px 0 10px; display: flex; align-items: center; gap: 6px; border-left: 3px solid var(--gold); padding-left: 8px; }
.sub-title i { color: var(--gold); }

/* 추가 버튼 */
.btn-add {
  margin-top: 10px; padding: 7px 14px;
  background: #f0f4ff; color: var(--navy);
  border: 1.5px dashed var(--navy-light); border-radius: var(--r-sm);
  font-size: 12px; font-weight: 600; cursor: pointer;
  display: inline-flex; align-items: center; gap: 6px; transition: all .2s;
}
.btn-add:hover { background: var(--navy); color: #fff; border-style: solid; }
.btn-add.mt12 { margin-top: 12px; }

/* 삭제 버튼 */
.btn-del {
  padding: 5px 9px; background: #fee2e2; color: #dc2626;
  border: none; border-radius: 6px; cursor: pointer; font-size: 11px; transition: all .2s;
}
.btn-del:hover { background: #dc2626; color: #fff; }

/* 정보박스 */
.info-box {
  background: #eff6ff; border: 1px solid #bfdbfe; border-radius: var(--r-sm);
  padding: 12px 16px; margin-bottom: 16px; font-size: 13px; color: #1e40af;
  display: flex; align-items: center; gap: 8px;
}
.info-box i { flex-shrink: 0; }

/* 상세 테이블 */
.detail-table { width: 100%; border-collapse: collapse; font-size: 12px; }
.detail-table th { background: var(--navy); color: #fff; padding: 9px 12px; text-align: left; font-weight: 600; white-space: nowrap; }
.detail-table td { padding: 8px 10px; border-bottom: 1px solid var(--border); vertical-align: middle; }
.detail-table tbody tr:hover td { background: #f8faff; }
.detail-table td input, .detail-table td select {
  width: 100%; padding: 5px 8px; border: 1.5px solid var(--border); border-radius: 6px;
  font-size: 12px; font-family: 'Noto Sans KR', sans-serif; outline: none;
}
.detail-table td input:focus { border-color: var(--navy-light); }

/* 소계/합계 행 */
.subtotal-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 10px 14px; background: #f0f4ff; border-radius: var(--r-sm);
  margin-top: 12px; font-size: 13px; border: 1px solid #e0e7ff;
}
.subtotal-row span { color: var(--text-2); }
.subtotal-row strong { font-size: 16px; font-weight: 800; color: var(--navy); }
.subtotal-row.mt8 { margin-top: 8px; }

/* 환경지표 테이블 */
.env-table { width: 100%; border-collapse: collapse; font-size: 13px; }
.env-table th { background: #f8faff; color: var(--text-2); padding: 9px 12px; text-align: left; font-weight: 700; border-bottom: 2px solid var(--border); }
.env-table td { padding: 9px 12px; border-bottom: 1px solid var(--border); }
.env-table tbody tr:last-child td { border-bottom: none; }
.env-input { width: 80px; padding: 5px 8px; border: 1.5px solid var(--border); border-radius: 6px; font-size: 13px; text-align: right; outline: none; font-family: 'Noto Sans KR', sans-serif; }
.env-input:focus { border-color: var(--navy-light); }

/* 현금흐름 요약바 */
.cashflow-summary-bar {
  display: flex; align-items: center; justify-content: center;
  gap: 16px; padding: 20px 24px; margin-top: 16px;
  background: var(--bg-card); border-radius: var(--r);
  box-shadow: var(--sh); border: 1px solid var(--border);
  flex-wrap: wrap;
}
.csb-item { text-align: center; min-width: 120px; }
.csb-item span { display: block; font-size: 12px; color: var(--text-3); margin-bottom: 4px; }
.csb-item strong { display: block; font-size: 26px; font-weight: 800; }
.csb-item small  { font-size: 12px; color: var(--text-3); }
.csb-item.income strong { color: #16a34a; }
.csb-item.expense strong { color: #dc2626; }
.csb-item.surplus strong { color: var(--navy); }
.csb-minus, .csb-equals { font-size: 28px; color: var(--text-3); font-weight: 300; }

/* 자산 요약바 */
.asset-summary-cards {
  display: flex; align-items: center; justify-content: center;
  gap: 16px; padding: 20px 24px; margin-top: 16px;
  background: var(--bg-card); border-radius: var(--r);
  box-shadow: var(--sh); border: 1px solid var(--border);
  flex-wrap: wrap;
}
.asc-item { text-align: center; min-width: 120px; }
.asc-item span { display: block; font-size: 12px; color: var(--text-3); margin-bottom: 4px; }
.asc-item strong { font-size: 24px; font-weight: 800; color: var(--navy); }
.asc-item small  { font-size: 12px; color: var(--text-3); }
.asc-item.net strong { color: var(--navy-light); }
.asc-minus, .asc-equals { font-size: 28px; color: var(--text-3); font-weight: 300; }

/* 재무목표 카드 (수평 스크롤) */
.goals-cards-wrap { display: flex; flex-direction: column; gap: 20px; }
.goal-card-item {
  min-width: 240px; flex-shrink: 0; scroll-snap-align: start;
  background: #fff; border: 1.5px solid var(--border); border-radius: var(--r);
  padding: 16px 18px; box-shadow: var(--sh); transition: all .25s;
}
.goal-card-item:hover { border-color: var(--navy-light); box-shadow: var(--sh-lg); transform: translateY(-3px); }
.goal-empty { padding: 24px; text-align: center; color: var(--text-3); font-size: 13px; background: #f8faff; border-radius: var(--r-sm); border: 1.5px dashed var(--border); width: 100%; }
.gci-rank { font-size: 10px; font-weight: 800; color: var(--gold-dark); letter-spacing: 1px; margin-bottom: 4px; }
.gci-name-row { display: flex; justify-content: space-between; align-items: center; margin-bottom: 14px; }
.gci-name { font-size: 16px; font-weight: 700; color: var(--navy); }
.gci-form { display: flex; flex-direction: column; gap: 8px; }
.gci-field { display: flex; justify-content: space-between; align-items: center; font-size: 12px; padding: 6px 0; border-bottom: 1px solid #f0f4ff; }
.gci-field:last-child { border-bottom: none; }
.gci-label { color: var(--text-3); }
.gci-field input { width: 100px; padding: 4px 8px; border: 1.5px solid var(--border); border-radius: 6px; font-size: 12px; text-align: right; outline: none; font-family: 'Noto Sans KR', sans-serif; }
.gci-field input:focus { border-color: var(--navy-light); }

/* 교육비 섹션 */
.edu-child-block { background: #fff; border: 1px solid var(--border); border-radius: var(--r); padding: 20px 22px; margin-bottom: 14px; box-shadow: var(--sh); }
.edu-child-title { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 16px; display: flex; align-items: center; gap: 8px; }
.edu-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; }
.edu-item { display: flex; flex-direction: column; gap: 4px; }
.edu-item label { font-size: 11px; font-weight: 600; color: var(--text-3); }
.edu-item input, .edu-item select { padding: 7px 10px; border: 1.5px solid var(--border); border-radius: 6px; font-size: 13px; font-family: 'Noto Sans KR', sans-serif; outline: none; }
.edu-item input:focus { border-color: var(--navy-light); }
.edu-summary { }
.edu-sum-row { display: flex; justify-content: space-between; align-items: center; padding: 10px 14px; border-bottom: 1px solid var(--border); font-size: 13px; }
.edu-sum-row:last-child { border-bottom: none; font-weight: 700; font-size: 15px; }
.edu-sum-row span { color: var(--text-2); }
.edu-sum-row strong { color: var(--navy); }

/* 은퇴 결과 */
.retire-result-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 14px; margin-bottom: 16px; }
.rr-card { padding: 16px; border-radius: var(--r-sm); text-align: center; border: 1px solid var(--border); }
.rr-label { font-size: 11px; font-weight: 700; color: var(--text-3); margin-bottom: 6px; }
.rr-value { font-size: 22px; font-weight: 800; color: var(--navy); margin-bottom: 2px; }
.rr-unit  { font-size: 11px; color: var(--text-3); }
.rr-card.good { background: #f0fdf4; border-color: var(--success); }
.rr-card.warn { background: #fefce8; border-color: var(--warning); }
.rr-card.bad  { background: #fef2f2; border-color: var(--danger); }
.retire-gap-bar { padding: 14px; background: var(--navy); border-radius: var(--r-sm); color: #fff; display: flex; justify-content: space-between; align-items: center; margin-top: 12px; }
.rgb-label { font-size: 13px; opacity: .8; }
.rgb-value { font-size: 22px; font-weight: 800; color: var(--gold-light); }

/* 주택 결과 */
.housing-result-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 14px; }
.hr-card { padding: 16px; border-radius: var(--r-sm); text-align: center; background: #f8faff; border: 1px solid #e0e7ff; transition:box-shadow .2s; }
.hr-card:hover { box-shadow:var(--sh-lg); }
.hr-card.highlight { background:linear-gradient(135deg,#f0f9ff,#fff); border-color:var(--info); }
.hr-card.warn-card { border-color:var(--danger); background:#fff5f5; }
.hr-label { font-size: 11px; font-weight: 700; color: var(--text-3); margin-bottom: 6px; }
.hr-value { font-size: 20px; font-weight: 800; color: var(--navy); }

/* 보험 분석 */
.ins-analysis-table { width: 100%; border-collapse: collapse; font-size: 12px; margin-top: 14px; }
.ins-analysis-table th { background: #f8faff; padding: 8px 10px; font-weight: 700; color: var(--text-2); border-bottom: 2px solid var(--border); }
.ins-analysis-table td { padding: 9px 10px; border-bottom: 1px solid var(--border); }
.ins-ok   { color: var(--success); font-weight: 700; }
.ins-warn { color: var(--warning); font-weight: 700; }
.ins-bad  { color: var(--danger);  font-weight: 700; }

/* 투자성향 */
.risk-questions { display: flex; flex-direction: column; gap: 12px; }
.rq-item { background: #f8faff; border-radius: var(--r-sm); padding: 14px; }
.rq-q { font-size: 13px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.rq-opts { display: flex; flex-direction: column; gap: 6px; }
.rq-opt { display: flex; align-items: center; gap: 8px; font-size: 12px; cursor: pointer; padding: 5px 8px; border-radius: 6px; transition: background .15s; }
.rq-opt:hover { background: #e0e7ff; }
.rq-opt input { margin: 0; }
.risk-result { margin-top: 14px; padding: 14px; background: var(--navy); border-radius: var(--r-sm); color: #fff; text-align: center; }
.risk-grade { font-size: 22px; font-weight: 800; color: var(--gold-light); margin-bottom: 4px; }
.risk-desc { font-size: 12px; opacity: .75; }

/* 자산배분 */
.alloc-table-wrap { overflow-x: auto; }

/* 세금 결과 */
.tax-result-table { width: 100%; border-collapse: collapse; font-size: 13px; }
.tax-result-table td { padding: 10px 12px; border-bottom: 1px solid var(--border); }
.tax-result-table .tx-label { color: var(--text-2); }
.tax-result-table .tx-value { font-weight: 700; color: var(--navy); text-align: right; }
.tax-result-table .tx-highlight { background: #f0f9ff; font-size: 14px; }
.tax-result-table .tx-total { background: var(--navy); }
.tax-result-table .tx-total .tx-label { color: rgba(255,255,255,.7); }
.tax-result-table .tx-total .tx-value { color: var(--gold-light); font-size: 16px; }
.tax-strategy-list { display: flex; flex-direction: column; gap: 10px; }
.ts-item { display: flex; align-items: flex-start; gap: 12px; padding: 14px 16px; border-radius: var(--r-sm); border-left: 4px solid; }
.ts-item.high   { border-color: var(--danger); background: #fff5f5; }
.ts-item.medium { border-color: var(--warning); background: #fffbeb; }
.ts-item.low    { border-color: var(--info); background: #eff6ff; }
.ts-icon { font-size: 18px; flex-shrink: 0; }
.ts-title { font-size: 13px; font-weight: 700; color: var(--navy); margin-bottom: 3px; }
.ts-desc  { font-size: 12px; color: var(--text-2); line-height: 1.6; }

/* 기대효과 */
.effect-before-after { display: grid; grid-template-columns: 1fr 60px 1fr; gap: 0; border: 1px solid var(--border); border-radius: var(--r); overflow: hidden; margin-bottom: 20px; }
.eba-col-hd { padding: 12px 16px; font-size: 13px; font-weight: 700; text-align: center; }
.eba-col-hd.before { background: #fee2e2; color: #991b1b; }
.eba-col-hd.after  { background: #dcfce7; color: #166534; }
.eba-arr-hd { background: var(--bg); }
.eba-row { display: flex; justify-content: space-between; align-items: center; padding: 12px 16px; border-bottom: 1px solid var(--border); background: #fff; font-size: 13px; }
.eba-row.before { background: #fff8f8; }
.eba-row.after  { background: #f0fdf4; }
.eba-row:last-child { border-bottom: none; }
.eba-row-label { font-size: 11px; color: var(--text-3); display: block; }
.eba-row-val   { font-size: 14px; font-weight: 700; color: var(--navy); }
.eba-arr-cell  { display: flex; align-items: center; justify-content: center; border-bottom: 1px solid var(--border); background: var(--bg); padding: 12px 4px; }
.eba-arr-cell:last-child { border-bottom: none; }
.eba-diff { display: inline-block; padding: 2px 8px; border-radius: 10px; font-size: 10px; font-weight: 700; }
.eba-diff.up   { background: #dcfce7; color: #166534; }
.eba-diff.down { background: #fee2e2; color: #991b1b; }

/* 맺음말 */
.closing-card { background: linear-gradient(135deg, #f8faff 0%, #fff 100%); border: 1px solid var(--border); border-radius: var(--r); padding: 32px 36px; }
.closing-text { font-size: 14px; line-height: 2.2; color: var(--text-2); white-space: pre-line; margin-bottom: 28px; }
.closing-sig { display: flex; flex-direction: column; align-items: flex-end; gap: 4px; }
.cs-date  { font-size: 13px; color: var(--text-3); }
.cs-company { font-size: 15px; font-weight: 800; color: var(--navy); font-family: 'Noto Serif KR', serif; }
.cs-line { width: 160px; height: 1px; background: var(--navy); margin: 10px 0 6px; }
.cs-name { font-size: 13px; color: var(--text-3); }

/* ============================================================
   최종 보고서 인쇄 레이아웃
   ============================================================ */
.report-page {
  background: #fff;
  margin-bottom: 0;
  border: 1px solid var(--border);
  border-radius: var(--r);
  overflow: hidden;
  margin-bottom: 20px;
  box-shadow: var(--sh);
}
.rp-cover {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 60%, #1e4080 100%);
  color: #fff; padding: 60px 56px;
  position: relative; overflow: hidden; min-height: 280px;
}
.rp-cover::before { content:''; position:absolute; right:-80px; top:-80px; width:300px; height:300px; background:rgba(201,168,70,.08); border-radius:50%; }
.rp-cover::after  { content:''; position:absolute; left:-40px; bottom:-60px; width:200px; height:200px; background:rgba(255,255,255,.04); border-radius:50%; }
.rpc-logo { display:flex; align-items:center; gap:10px; margin-bottom:32px; opacity:.8; position:relative; z-index:1; }
.rpc-logo i { font-size:20px; color:var(--gold-light); }
.rpc-logo span { font-size:14px; font-weight:700; color:var(--gold-light); font-family:'Noto Serif KR',serif; }
.rpc-title { font-size:36px; font-weight:900; font-family:'Noto Serif KR',serif; margin-bottom:12px; letter-spacing:-1px; position:relative; z-index:1; }
.rpc-sub { font-size:15px; opacity:.7; margin-bottom:28px; position:relative; z-index:1; }
.rpc-meta { display:flex; gap:20px; font-size:13px; opacity:.8; position:relative; z-index:1; }
.rpc-meta span::before { content:'◆'; color:var(--gold); margin-right:6px; font-size:8px; vertical-align:middle; }

.rp-section { padding: 28px 32px; border-bottom: 1px solid var(--border); }
.rp-section:last-child { border-bottom: none; }
.rp-section-title {
  font-size: 16px; font-weight: 800; color: var(--navy); margin-bottom: 18px;
  padding-bottom: 10px; border-bottom: 2px solid;
  border-image: linear-gradient(90deg, var(--navy), var(--gold)) 1;
  display: flex; align-items: center; gap: 8px;
}
.rp-section-title i { color: var(--gold); }

.rp-info-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 10px; }
.rp-info-item { padding: 10px 12px; background: #f8faff; border-radius: var(--r-sm); font-size: 12px; }
.rp-info-item .ri-label { color: var(--text-3); margin-bottom: 2px; }
.rp-info-item .ri-value { font-weight: 700; color: var(--navy); font-size: 13px; }

.rp-figure-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; margin-bottom: 0; }
.rpf-card { padding: 16px; text-align: center; border-radius: var(--r-sm); border: 1px solid var(--border); }
.rpf-label { font-size: 11px; font-weight: 600; margin-bottom: 6px; }
.rpf-value { font-size: 20px; font-weight: 800; }
.rpf-income  { background:#f0fdf4; } .rpf-income .rpf-value  { color:#16a34a; }
.rpf-expense { background:#fff5f5; } .rpf-expense .rpf-value { color:#dc2626; }
.rpf-surplus { background:#f0f9ff; } .rpf-surplus .rpf-value { color:#1d4ed8; }
.rpf-asset   { background:#faf5ff; } .rpf-asset .rpf-value   { color:#7c3aed; }
.rpf-debt    { background:#fff7ed; } .rpf-debt .rpf-value    { color:#c2410c; }
.rpf-net     { background:var(--navy); } .rpf-net .rpf-value { color:var(--gold-light); } .rpf-net .rpf-label { color:rgba(255,255,255,.7); }

.rp-table { width:100%; border-collapse:collapse; font-size:12px; }
.rp-table th { background:var(--navy); color:#fff; padding:9px 12px; text-align:left; font-weight:600; }
.rp-table td { padding:9px 12px; border-bottom:1px solid var(--border); }
.rp-table tbody tr:last-child td { border-bottom:none; }
.rp-table tbody tr:hover td { background:#f8faff; }

.diag-chips { display:flex; gap:12px; flex-wrap:wrap; }
.diag-chip { padding:12px 18px; border-radius:var(--r-sm); text-align:center; border:1px solid var(--border); min-width:120px; }
.dc-label { font-size:11px; color:var(--text-3); margin-bottom:4px; }
.dc-score { font-size:22px; font-weight:800; color:var(--navy); }
.dc-grade { display:inline-block; padding:2px 8px; border-radius:10px; font-size:11px; font-weight:700; margin-top:4px; }

.goal-report-table { width:100%; border-collapse:collapse; font-size:12px; }
.goal-report-table th { background:var(--navy); color:#fff; padding:9px 12px; text-align:center; font-weight:600; white-space:nowrap; }
.goal-report-table td { padding:9px 12px; border-bottom:1px solid var(--border); text-align:center; }
.goal-report-table td:first-child { text-align:left; font-weight:600; }

.pct-chip { display:inline-block; padding:3px 10px; border-radius:20px; font-size:11px; font-weight:700; }
.pct-good { background:#dcfce7; color:#166534; }
.pct-warn { background:#fef3c7; color:#92400e; }
.pct-bad  { background:#fee2e2; color:#991b1b; }

/* 색상 유틸 */
.txt-green { color: var(--success) !important; }
.txt-red   { color: var(--danger) !important; }
.txt-blue  { color: var(--info) !important; }
.txt-orange { color: var(--warning) !important; }
.txt-gold  { color: var(--gold) !important; }

/* ── 자동계산 배지 ── */
.auto-badge { display:inline-block; padding:1px 7px; background:#e0e7ff; color:#3730a3; border-radius:20px; font-size:10px; font-weight:700; vertical-align:middle; margin-left:4px; }

/* ── 주택설계 수식 박스 ── */
.housing-formula-box { background:linear-gradient(135deg,#f0f4ff 0%,#fff 100%); border:1.5px solid var(--border); border-radius:12px; padding:20px; margin-bottom:20px; }
.hf-row { display:flex; align-items:center; justify-content:center; gap:12px; flex-wrap:wrap; }
.hf-item { text-align:center; padding:12px 20px; border-radius:10px; min-width:140px; background:#fff; box-shadow:0 2px 8px rgba(13,32,64,.07); }
.hf-item.target { border-top:3px solid var(--info); }
.hf-item.loan { border-top:3px solid var(--warning); }
.hf-item.equity { border-top:3px solid var(--success); }
.hf-item.highlight { background:linear-gradient(135deg,#f0fff4 0%,#fff 100%); border-top:3px solid var(--success); }
.hf-label { font-size:11px; color:var(--text-3); margin-bottom:6px; }
.hf-val { font-size:20px; font-weight:800; color:var(--navy); }
.hf-op { font-size:28px; font-weight:700; color:var(--text-3); }
/* housing-result-grid: defined above */
/* hr-card: defined above */
.hr-label { font-size:11px; color:var(--text-3); margin-bottom:8px; }
.hr-value { font-size:20px; font-weight:800; color:var(--navy); margin-bottom:4px; }
.hr-note { font-size:10px; color:var(--text-3); }

/* ── 재무목표 요약바 ── */
.goals-summary-bar { display:flex; gap:0; background:var(--navy); border-radius:12px; overflow:hidden; margin-bottom:20px; }
.gsb-item { flex:1; display:flex; flex-direction:column; align-items:center; gap:3px; padding:16px 10px; color:#fff; border-right:1px solid rgba(255,255,255,.1); }
.gsb-item:last-child { border-right:none; }
.gsb-item i { font-size:18px; color:var(--gold); margin-bottom:3px; }
.gsb-item span { font-size:10px; opacity:.7; }
.gsb-item strong { font-size:22px; font-weight:800; }
.gsb-item small { font-size:10px; opacity:.7; }

/* ── 재무목표 세로 카드 ── */
/* goals-cards-wrap: defined above */
.goal-v-card { background:#fff; border:1px solid var(--border); border-radius:14px; overflow:hidden; box-shadow:var(--sh); transition:box-shadow .2s; }
.goal-v-card:hover { box-shadow:var(--sh-lg); }
.gvc-header { display:flex; align-items:center; gap:12px; padding:14px 18px; background:linear-gradient(135deg,#f8faff,#fff); border-bottom:1px solid var(--border); }
.gvc-priority { padding:3px 12px; border-radius:20px; font-size:10px; font-weight:800; color:#fff; letter-spacing:.5px; white-space:nowrap; }
.gvc-icon { width:36px; height:36px; background:var(--navy); border-radius:50%; display:flex; align-items:center; justify-content:center; color:var(--gold); font-size:14px; flex-shrink:0; }
.gvc-title-input { flex:1; border:none; font-size:16px; font-weight:700; color:var(--navy); outline:none; background:transparent; font-family:'Noto Sans KR',sans-serif; }
.gvc-title-input::placeholder { color:var(--text-3); font-weight:400; }
.gvc-del { margin-left:auto; }
.gvc-body { display:grid; grid-template-columns:1fr 1.4fr; gap:0; }
.gvc-inputs { padding:20px; border-right:1px solid var(--border); display:flex; flex-direction:column; gap:0; }
.gvc-row { display:flex; align-items:center; padding:8px 0; border-bottom:1px solid #f5f7ff; gap:10px; }
.gvc-row:last-child { border-bottom:none; }
.gvc-lbl { font-size:12px; color:var(--text-2); min-width:95px; flex-shrink:0; }
.gvc-inp-group { display:flex; align-items:center; gap:6px; flex:1; }
.gvc-inp { flex:1; padding:5px 8px; border:1.5px solid var(--border); border-radius:7px; font-size:13px; font-family:'Noto Sans KR',sans-serif; outline:none; transition:border-color .2s; max-width:130px; }
.gvc-inp:focus { border-color:var(--navy-light); }
.gvc-unit { font-size:11px; color:var(--text-3); white-space:nowrap; }
.gvc-results { padding:20px; background:#fafbff; }
.gvc-result-title { font-size:13px; font-weight:700; color:var(--navy); margin-bottom:14px; }
.gvc-kpi-grid { display:grid; grid-template-columns:1fr 1fr; gap:8px; margin-bottom:16px; }
.gvc-kpi { background:#fff; border:1px solid var(--border); border-radius:8px; padding:10px 12px; }
.gvc-kpi.highlight { background:linear-gradient(135deg,#f0f4ff,#fff); border-color:var(--navy-light); }
.gvc-kpi-label { font-size:10px; color:var(--text-3); margin-bottom:4px; }
.gvc-kpi-val { font-size:16px; font-weight:800; color:var(--navy); }
.gvc-progress-wrap { margin-bottom:14px; }
.gvc-progress-label { display:flex; justify-content:space-between; font-size:12px; margin-bottom:6px; }
.gvc-progress-bar { height:8px; background:#e8ecf5; border-radius:4px; overflow:hidden; }
.gvc-progress-fill { height:100%; border-radius:4px; transition:width .5s; }
.gvc-action-plan { background:#fff; border:1px solid var(--border); border-radius:8px; padding:12px; }
.gap-title { font-size:11px; font-weight:700; color:var(--navy); margin-bottom:8px; }
.gap-row { display:flex; justify-content:space-between; align-items:center; padding:5px 0; border-bottom:1px solid #f5f7ff; font-size:12px; }
.gap-row:last-child { border-bottom:none; }
.gap-label { color:var(--text-3); }
.gap-val { font-weight:600; color:var(--text-1); }
.gap-val.highlight-txt { color:var(--navy); font-weight:800; font-size:14px; }

/* ── 기대효과: 비교표 ── */
.effect-compare-table-wrap { overflow-x:auto; }
.effect-compare-table { width:100%; border-collapse:collapse; font-size:13px; }
.effect-compare-table thead tr { background:var(--navy); color:#fff; }
.effect-compare-table th { padding:12px 14px; font-weight:600; text-align:center; white-space:nowrap; }
.effect-compare-table th:first-child { text-align:left; }
.effect-compare-table td { padding:11px 14px; border-bottom:1px solid var(--border); vertical-align:middle; }
.effect-compare-table tbody tr:hover { background:#f8faff; }
.ect-label { display:flex; align-items:center; gap:8px; font-weight:600; }
.ect-icon { color:var(--navy-light); width:16px; text-align:center; }
.ect-before { text-align:center; color:var(--text-2); }
.ect-after { text-align:center; font-weight:700; color:var(--navy); }
.ect-arrow-cell { text-align:center; color:var(--gold); font-size:16px; font-weight:700; }
.ect-note { font-size:11px; color:var(--text-3); }
.ect-badge { display:inline-block; padding:3px 10px; border-radius:20px; font-size:11px; font-weight:700; white-space:nowrap; }
.ect-badge.up { background:#dcfce7; color:#166534; }
.ect-badge.warn { background:#fef3c7; color:#92400e; }
.ect-badge.neutral { background:#f1f5f9; color:#475569; }
.ect-badge.down { background:#fee2e2; color:#991b1b; }

/* ── 기대효과: 목표별 달성계획 ── */
.goal-plan-list { display:flex; flex-direction:column; gap:14px; }
.gpl-item { display:grid; grid-template-columns:200px 1fr; gap:0; background:#fff; border:1px solid var(--border); border-radius:12px; overflow:hidden; }
.gpl-left { padding:18px; background:linear-gradient(135deg,#f8faff,#fff); border-right:1px solid var(--border); }
.gpl-rank { font-size:10px; font-weight:800; letter-spacing:.5px; margin-bottom:4px; }
.gpl-name { font-size:15px; font-weight:800; color:var(--navy); margin-bottom:6px; line-height:1.3; }
.gpl-year { font-size:11px; color:var(--text-3); margin-bottom:4px; }
.gpl-memo { font-size:11px; color:var(--text-2); background:#f0f4ff; padding:4px 8px; border-radius:5px; margin-top:6px; }
.gpl-right { padding:18px; }
.gpl-data-row { display:grid; grid-template-columns:repeat(4,1fr); gap:10px; margin-bottom:14px; }
.gpl-data-item { text-align:center; }
.gpl-data-item.highlight { background:#f0f4ff; border-radius:8px; padding:6px; }
.gpl-lbl { display:block; font-size:10px; color:var(--text-3); margin-bottom:3px; }
.gpl-val { font-size:14px; font-weight:800; color:var(--navy); }
.gpl-progress-row { display:flex; align-items:center; gap:10px; }
.gpl-pct-label { font-size:11px; color:var(--text-3); white-space:nowrap; }
.gpl-bar { flex:1; height:8px; background:#e8ecf5; border-radius:4px; overflow:hidden; }
.gpl-bar-fill { height:100%; border-radius:4px; transition:width .5s; }
.gpl-remain { font-size:11px; color:var(--danger); white-space:nowrap; font-weight:600; }
.goal-plan-total { display:flex; align-items:center; gap:16px; background:var(--navy); color:#fff; padding:16px 20px; border-radius:10px; margin-top:16px; }
.goal-plan-total span { font-size:13px; opacity:.8; }
.goal-plan-total strong { font-size:24px; font-weight:800; color:var(--gold); margin-left:auto; }
.gpt-ratio { font-size:12px; }

/* ── 기대효과: 조치사항 ── */
.action-plan-list { display:flex; flex-direction:column; gap:12px; }
.apl-item { display:flex; align-items:flex-start; gap:16px; padding:16px 20px; border-radius:10px; border:1px solid var(--border); background:#fff; }
.apl-item.danger { border-left:4px solid var(--danger); background:#fff8f8; }
.apl-item.warn   { border-left:4px solid var(--warning); background:#fffdf0; }
.apl-item.info   { border-left:4px solid var(--info); background:#f8faff; }
.apl-item.success { border-left:4px solid var(--success); background:#f0fff8; }
.apl-num { width:26px; height:26px; border-radius:50%; background:var(--navy); color:#fff; font-size:11px; font-weight:800; display:flex; align-items:center; justify-content:center; flex-shrink:0; margin-top:1px; }
.apl-icon { font-size:18px; flex-shrink:0; width:20px; text-align:center; margin-top:1px; }
.apl-item.danger .apl-icon { color:var(--danger); }
.apl-item.warn   .apl-icon { color:var(--warning); }
.apl-item.info   .apl-icon { color:var(--info); }
.apl-item.success .apl-icon { color:var(--success); }
.apl-body { flex:1; }
.apl-header { display:flex; align-items:center; gap:8px; margin-bottom:5px; }
.apl-priority { padding:2px 8px; border-radius:12px; font-size:10px; font-weight:800; }
.apl-priority.danger { background:#fee2e2; color:#991b1b; }
.apl-priority.warn   { background:#fef3c7; color:#92400e; }
.apl-priority.info   { background:#dbeafe; color:#1e40af; }
.apl-priority.success { background:#dcfce7; color:#166534; }
.apl-title { font-size:14px; font-weight:700; color:var(--navy); }
.apl-desc { font-size:12px; color:var(--text-2); line-height:1.6; }

/* ============================================================
   인쇄
   ============================================================ */
@media print {
  * { -webkit-print-color-adjust: exact !important; print-color-adjust: exact !important; }
  .sidebar, .sidebar-toggle, .page-header.no-print, .ph-actions, .btn-prev, .btn-next, .btn-gold, .btn-outline, .btn-add, .btn-del, .cf-tab-nav, .no-print { display: none !important; }
  body { background: #fff; }
  .main-content { margin-left: 0 !important; width: 100% !important; overflow: visible !important; }
  .screen { display: none !important; padding: 0 !important; }
  #screen-report { display: block !important; padding: 0 !important; }
  .page-wrap { max-width: 100%; }
  .report-page { border: none; box-shadow: none; border-radius: 0; margin-bottom: 0; page-break-after: always; }
  .report-page:last-child { page-break-after: avoid; }
  .rp-cover { min-height: 200px; }
  @page { size: A4; margin: 12mm 14mm 20mm; }

  /* 프린트 시 워터마크 숨김 (대신 각 페이지 하단에 FP 정보 고정) */
  #fp-watermark { display: none !important; }

  /* 프린트 전용 푸터 - 매 페이지 하단에 FP 브랜딩 고정 */
  #screen-report::after {
    content: '© FP 전용 종합재무설계 시스템  |  무단 복제 및 배포 금지  |  PB Financial Consulting';
    display: block;
    position: fixed;
    bottom: 6mm;
    left: 14mm;
    right: 14mm;
    text-align: center;
    font-size: 9px;
    color: #94a3b8;
    font-family: 'Noto Sans KR', sans-serif;
    border-top: 1px solid #e2e8f0;
    padding-top: 4px;
    letter-spacing: 0.3px;
  }

  /* 보고서 표지 워터마크 텍스트 오버레이 */
  .rp-cover::after {
    content: var(--fp-name);
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%) rotate(-30deg);
    font-size: 72px;
    font-weight: 900;
    color: rgba(37, 99, 235, 0.05);
    white-space: nowrap;
    pointer-events: none;
    z-index: 0;
    font-family: 'Noto Sans KR', sans-serif;
    letter-spacing: 8px;
  }
  .rp-cover { position: relative; overflow: hidden; }
}

/* ============================================================
   FP 브랜딩 - 보고서 화면 내 워터마크 (화면용)
   CSS 변수 --fp-name 으로 JS에서 동적 변경 가능
   ============================================================ */
:root {
  --fp-name: '재무설계사';
}
.report-page {
  position: relative;
}
.report-page::before {
  content: var(--fp-name);
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%) rotate(-30deg);
  font-size: 80px;
  font-weight: 900;
  color: rgba(37, 99, 235, 0.035);
  white-space: nowrap;
  pointer-events: none;
  z-index: 0;
  font-family: 'Noto Sans KR', sans-serif;
  letter-spacing: 10px;
  user-select: none;
}
.report-page > * {
  position: relative;
  z-index: 1;
}

/* ============================================================
   현금흐름 탭 네비게이션
   ============================================================ */
.cf-tab-nav {
  display: flex; gap: 4px; flex-wrap: wrap;
  background: var(--bg); border: 1px solid var(--border);
  border-radius: var(--r-sm); padding: 6px;
  margin-bottom: 16px;
}
.cf-tab-btn {
  flex: 0 0 auto; padding: 8px 16px;
  background: #fff; border: 1px solid var(--border);
  border-radius: var(--r-sm); font-size: 12px; font-weight: 600;
  color: var(--text-2); cursor: pointer; transition: all .2s;
  font-family: 'Noto Sans KR', sans-serif; display: flex; align-items: center; gap: 6px;
}
.cf-tab-btn:hover { background: var(--bg); border-color: var(--navy-light); color: var(--navy); }
.cf-tab-btn.active { background: var(--navy); color: #fff; border-color: var(--navy); }
.cf-tab-panel { display: none; }
.cf-tab-panel.active { display: block; animation: rise .2s ease; }

/* 현금흐름 시트 그리드 (좌: 수입 / 우: 지출) */
.cf-sheet-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px;
}
.cf-col { display: flex; flex-direction: column; gap: 0; }
.cf-section-hdr {
  padding: 10px 14px; font-size: 13px; font-weight: 800; letter-spacing: .5px;
  border-radius: var(--r-sm) var(--r-sm) 0 0;
  display: flex; align-items: center; justify-content: space-between;
}
.income-hdr { background: var(--navy); color: #fff; }
.expense-hdr { background: #8b1c1c; color: #fff; }
.cf-unit { font-size: 10px; font-weight: 400; opacity: .7; }
.cf-group {
  border: 1px solid var(--border); border-top: none;
  background: #fff;
}
.cf-group:first-of-type { border-top: none; }
.cf-group-title {
  background: #f0f4ff; padding: 8px 12px; font-size: 11px; font-weight: 700;
  color: var(--navy); display: flex; align-items: center; justify-content: space-between;
  border-bottom: 1px solid var(--border);
}
.cf-group-total { font-weight: 800; color: var(--navy-light); min-width: 60px; text-align: right; }
.cf-row {
  display: flex; align-items: center; justify-content: space-between;
  padding: 6px 12px; border-bottom: 1px solid #f5f7ff; gap: 8px;
}
.cf-row:last-child { border-bottom: none; }
.cf-row.highlight-row { background: #fff8f8; }
.cf-label { font-size: 12px; color: var(--text-2); flex: 1; min-width: 0; }
.cf-label-input {
  flex: 1; border: 1px solid var(--border); border-radius: 5px;
  padding: 3px 7px; font-size: 12px; font-family: 'Noto Sans KR',sans-serif;
  outline: none; min-width: 0; max-width: 160px; color: var(--text-2);
}
.cf-input {
  width: 90px; padding: 5px 8px; border: 1.5px solid var(--border); border-radius: 7px;
  font-size: 13px; font-family: 'Noto Sans KR',sans-serif; outline: none; text-align: right;
  transition: border-color .2s; flex-shrink: 0;
}
.cf-input:focus { border-color: var(--navy-light); }
.cf-total-row {
  display: flex; justify-content: space-between; align-items: center;
  background: var(--navy); color: #fff; padding: 10px 14px; font-size: 13px;
  border-radius: 0 0 var(--r-sm) var(--r-sm); margin-top: auto;
}
.cf-total-row strong { font-size: 16px; color: var(--gold); }
.cf-surplus-row {
  display: flex; justify-content: space-between; align-items: center;
  background: #e8f5e9; padding: 8px 14px; font-size: 13px; font-weight: 700;
  border: 1px solid #4caf50; border-radius: 6px; margin-top: 4px;
}
.cf-surplus-row strong { font-size: 16px; font-weight: 800; }

/* 지출 형태별 비중 테이블 */
.cf-weight-table { width: 100%; border-collapse: collapse; font-size: 13px; }
.cf-weight-table th { background: var(--navy); color: #fff; padding: 10px 12px; text-align: center; }
.cf-weight-table td { padding: 9px 12px; border-bottom: 1px solid var(--border); vertical-align: middle; }
.cf-weight-table td:nth-child(2), .cf-weight-table td:nth-child(3) { text-align: right; font-weight: 600; }
.cf-weight-total { background: #f0f4ff; }
.cf-weight-total td { font-weight: 800; }
.cf-weight-tip { margin-top: 12px; padding: 10px 14px; background: #f0f9ff; border-left: 3px solid var(--info); border-radius: 6px; font-size: 12px; color: var(--text-2); }
.eval-good { color: var(--success); font-weight: 700; font-size: 12px; }
.eval-warn { color: var(--warning); font-weight: 700; font-size: 12px; }
.eval-bad  { color: var(--danger);  font-weight: 700; font-size: 12px; }

/* 조정 현금흐름 그리드 */
.cf-adj-grid {
  display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.3fr; gap: 0;
  border: 1px solid var(--border); border-radius: var(--r-sm); overflow: hidden; font-size: 12px;
}
.cf-adj-grid > div { padding: 6px 10px; border-bottom: 1px solid var(--border); border-right: 1px solid #f0f0f0; display: flex; align-items: center; }
.cf-adj-grid > div:last-child, .cf-adj-grid > div:nth-child(4n) { border-right: none; }
.hdr-col { background: var(--navy); color: #fff !important; font-size: 12px; font-weight: 700; }
.cf-adj-group-lbl { background: #f0f4ff; font-size: 11px; font-weight: 700; color: var(--navy); letter-spacing: .3px; }
.cf-adj-row-lbl { color: var(--text-2); font-size: 11.5px; padding-left: 16px !important; }
.cf-adj-val { justify-content: flex-end; font-weight: 600; color: var(--text-1); }
.cf-adj-input {
  width: 100%; padding: 3px 6px; border: 1px solid var(--border); border-radius: 5px;
  font-size: 12px; font-family: 'Noto Sans KR',sans-serif; outline: none; text-align: right;
}
.cf-adj-note { width: 100%; border: 1px solid var(--border); border-radius: 5px; padding: 3px 6px; font-size: 11px; font-family: 'Noto Sans KR',sans-serif; outline: none; }
.cf-adj-total-lbl { background: var(--navy); color: #fff; font-size: 12px; font-weight: 700; }
.cf-adj-total { background: var(--navy); color: var(--gold); font-weight: 800; justify-content: flex-end; }
.cf-adj-surplus-lbl { background: #1a5c1a; color: #fff; font-size: 12px; font-weight: 700; }
.cf-adj-surplus { background: #1a5c1a; color: #7dff7d; font-weight: 800; justify-content: flex-end; }

/* ============================================================
   자산 비중 테이블
   ============================================================ */
.asset-weight-table { width: 100%; border-collapse: collapse; font-size: 13px; }
.asset-weight-table th { background: var(--navy); color: #fff; padding: 10px 12px; text-align: center; font-weight: 600; }
.asset-weight-table td { padding: 9px 12px; border-bottom: 1px solid var(--border); }
.asset-weight-table td:nth-child(2), .asset-weight-table td:nth-child(3) { text-align: right; font-weight: 600; }
.asset-weight-table tbody tr:hover { background: #f8faff; }
.bw-total-row { background: #f0f4ff; }
.bw-total-row td { font-weight: 800; }
.bw-note { width: 100%; border: 1px solid var(--border); border-radius: 5px; padding: 3px 7px; font-size: 11px; font-family: 'Noto Sans KR',sans-serif; outline: none; }

/* ============================================================
   재무목표 계산 테이블 (2%/6%/10%)
   ============================================================ */
.table-scroll-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; width: 100%; }
.goals-calc-table { width: 100%; border-collapse: collapse; font-size: 12px; min-width: 760px; }
.goals-calc-table th { background: var(--navy); color: #fff; padding: 10px 8px; text-align: center; font-weight: 600; white-space: nowrap; }
.goals-calc-table td { padding: 7px 8px; border-bottom: 1px solid var(--border); vertical-align: middle; }
.goals-calc-table tfoot tr { background: #0d2040; }
.goals-calc-table tfoot td { color: #fff; font-weight: 800; padding: 10px 8px; }
.calc-cell { text-align: right; font-weight: 700; color: var(--navy); }
.gcr-input { width: 100%; padding: 4px 6px; border: 1px solid var(--border); border-radius: 5px; font-size: 12px; font-family: 'Noto Sans KR',sans-serif; outline: none; }
.gcr-input.right { text-align: right; }
.gcr-input.center { text-align: center; }
.gcr-total-row td { background: var(--navy); color: #fff; font-weight: 800; }
.gcr-note { font-size: 11px; color: var(--text-3); margin-top: 8px; padding: 6px 10px; background: #f8faff; border-left: 3px solid var(--navy-light); border-radius: 4px; }

/* ============================================================
   대출조견표
   ============================================================ */
.loan-input-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 16px; }
.loan-input { width: 100%; padding: 8px 12px; border: 1.5px solid var(--border); border-radius: 8px; font-size: 14px; font-family: 'Noto Sans KR',sans-serif; outline: none; transition: border-color .2s; }
.loan-input:focus { border-color: var(--navy-light); }
#l-mode { width: 100%; padding: 8px 12px; border: 1.5px solid var(--border); border-radius: 8px; font-size: 14px; font-family: 'Noto Sans KR',sans-serif; outline: none; }
.loan-summary-bar {
  display: flex; gap: 8px; flex-wrap: wrap;
  background: var(--navy); border-radius: 10px; padding: 16px 20px; margin-bottom: 16px;
}
.lsb-item { flex: 1; min-width: 140px; text-align: center; }
.lsb-item span { display: block; font-size: 11px; color: rgba(255,255,255,.6); margin-bottom: 4px; }
.lsb-item strong { font-size: 18px; font-weight: 800; color: var(--gold); }
.loan-table { width: 100%; border-collapse: collapse; font-size: 12px; min-width: 600px; }
.loan-table th { background: var(--navy); color: #fff; padding: 10px 12px; text-align: center; }
.loan-table th.right { text-align: right; }
.loan-table td { padding: 7px 12px; border-bottom: 1px solid var(--border); }
.loan-table td.right { text-align: right; }
.loan-table td.center { text-align: center; }
.loan-table tbody tr:hover { background: #f8faff; }
.txt-gold { color: var(--gold-dark, #9e7e28) !important; }

/* ============================================================
   반응형
   ============================================================ */
@media (max-width: 900px) {
  .sidebar { transform: translateX(-100%); }
  .sidebar.open { transform: translateX(0); }
  .sidebar-toggle { display: flex; }
  .main-content { margin-left: 0; width: 100%; }
  .dash-kpi-grid { grid-template-columns: repeat(2,1fr); }
  .step-cards-grid { grid-template-columns: repeat(3,1fr); }
  .cards-grid-2 { grid-template-columns: 1fr; }
  .chart-row-2 { grid-template-columns: 1fr; }
  .retire-result-grid, .housing-result-grid { grid-template-columns: 1fr 1fr; }
  .rp-info-grid, .rp-figure-grid { grid-template-columns: 1fr 1fr; }
  .gvc-body { grid-template-columns: 1fr; }
  .gpl-item { grid-template-columns: 1fr; }
  .gpl-left { border-right: none; border-bottom: 1px solid var(--border); }
  .gpl-data-row { grid-template-columns: 1fr 1fr; }
  .goals-summary-bar { flex-wrap: wrap; }
  .gsb-item { min-width: 50%; }
  .cf-sheet-grid { grid-template-columns: 1fr; }
  .loan-input-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 540px) {
  .screen { padding: 16px; }
  .dash-kpi-grid { grid-template-columns: 1fr 1fr; }
  .step-cards-grid { grid-template-columns: repeat(2,1fr); }
  .dash-header { flex-direction: column; gap: 16px; }
  .form-grid2 { grid-template-columns: 1fr; }
  .cashflow-summary-bar, .asset-summary-cards { flex-direction: column; gap: 8px; }
  .csb-minus, .csb-equals, .asc-minus, .asc-equals { transform: rotate(90deg); }
  .retire-result-grid { grid-template-columns: 1fr; }
  .housing-result-grid { grid-template-columns: 1fr 1fr; }
  .rp-figure-grid { grid-template-columns: 1fr 1fr; }
  .diag-chips { gap: 8px; }
  .effect-before-after { grid-template-columns: 1fr; }
  .gvc-kpi-grid { grid-template-columns: 1fr 1fr; }
  .gpl-data-row { grid-template-columns: 1fr 1fr; }
  .hf-row { gap: 8px; }
  .hf-item { min-width: 100px; padding: 10px 12px; }
  .hf-val { font-size: 16px; }
  .goals-summary-bar { flex-wrap: wrap; }
  .gsb-item { min-width: 50%; }
  .cf-sheet-grid { grid-template-columns: 1fr; }
  .loan-input-grid { grid-template-columns: 1fr; }
  .cf-adj-grid { grid-template-columns: 1.2fr 1fr 1fr; }
  .cf-adj-grid > div:nth-child(4n) { display: none; }
}

/* 추가 유틸 */
.bold-txt { font-weight: 700 !important; }
.center { text-align: center !important; }
.right  { text-align: right !important; }

/* ============================================================
   은퇴 후 현금흐름 스타일
   ============================================================ */
.rcf-assumption-grid { display: grid; grid-template-columns: repeat(5,1fr); gap: 12px; }
.rcf-income-grid     { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; }
.rcf-income-section  { background: #f9fbff; border: 1px solid var(--border); border-radius: 10px; padding: 14px; }
.rcf-section-label   { font-size: 12px; font-weight: 700; color: var(--navy); text-transform: uppercase; letter-spacing: .04em; border-bottom: 2px solid var(--navy); padding-bottom: 6px; margin-bottom: 10px; }
.rcf-item-row        { display: flex; align-items: center; gap: 8px; margin-bottom: 8px; font-size: 13px; }
.rcf-item-row span:first-child { flex: 1; color: var(--text-2); }
.rcf-timing          { font-size: 11px; color: var(--text-3); white-space: nowrap; min-width: 70px; display: flex; align-items: center; gap: 3px; }
.rcf-age-input       { width: 44px; padding: 3px 5px; border: 1.5px solid var(--border); border-radius: 5px; font-size: 12px; text-align: center; }
.rcf-amt-input       { width: 70px; padding: 4px 7px; border: 1.5px solid var(--border); border-radius: 6px; font-size: 13px; text-align: right; margin-left: auto; }
.rcf-amt-input:focus, .rcf-age-input:focus { border-color: var(--navy-light); outline: none; }
.rcf-summary-bar     { display: flex; align-items: center; gap: 0; background: var(--navy); border-radius: 12px; padding: 16px 24px; margin-bottom: 16px; flex-wrap: wrap; gap: 12px; }
.rcf-sb-item         { display: flex; flex-direction: column; gap: 4px; color: #fff; flex: 1; min-width: 120px; }
.rcf-sb-item span    { font-size: 11px; opacity: .75; }
.rcf-sb-item strong  { font-size: 20px; font-weight: 700; color: #fff; }
.rcf-sb-surplus strong { color: #f1c40f; }
.rcf-sb-exhaust strong { color: #e74c3c; }
.rcf-sb-sep          { color: rgba(255,255,255,.35); font-size: 20px; padding: 0 6px; align-self: center; }
.rcf-unit-label      { font-size: 12px; font-weight: 400; color: var(--text-3); margin-left: 8px; }

/* 현금흐름 테이블 */
.rcf-table           { width: 100%; border-collapse: collapse; font-size: 11.5px; min-width: 1100px; }
.rcf-table th        { padding: 7px 8px; text-align: right; font-size: 11px; white-space: nowrap; }
.rcf-thead-top th    { background: var(--navy); color: #fff; border-right: 1px solid rgba(255,255,255,.15); text-align: center; }
.rcf-thead-sub th    { background: #1e3a5f; color: #cde; border-right: 1px solid rgba(255,255,255,.1); font-size: 10.5px; }
.rcf-table td        { padding: 5px 8px; border-bottom: 1px solid #eef0f5; text-align: right; }
.rcf-table tbody tr:hover { background: #f0f4ff; }
.rcf-milestone-row   { background: #f5f7fc !important; }
.rcf-milestone-row td { border-top: 1.5px solid #ccd5ea; }
.rcf-age-cell        { text-align: center !important; font-size: 12px; }
.rcf-inc             { background: rgba(52,152,219,.04); color: #1a5f8e; }
.rcf-inc-total       { background: rgba(52,152,219,.12); color: #1a5f8e; font-weight: 700; }
.rcf-exp             { background: rgba(231,76,60,.03);  color: #8e1a1a; }
.rcf-exp-total       { background: rgba(231,76,60,.10);  color: #8e1a1a; font-weight: 700; }
.rcf-surplus-pos     { color: #27ae60; font-weight: 700; }
.rcf-surplus-neg     { color: #e74c3c; font-weight: 700; }
.rcf-asset-neg       { color: #e74c3c; font-weight: 700; }
.rcf-cov             { font-size: 11px; }
.rcf-cov-ok          { color: #27ae60; }
.rcf-cov-warn        { color: #e74c3c; }
.rcf-th-income       { background: rgba(52,152,219,.12) !important; }
.rcf-th-expense      { background: rgba(231,76,60,.12)  !important; }
.rcf-th-result       { background: rgba(243,156,18,.12) !important; }
.mb16 { margin-bottom: 16px; }

/* ============================================================
   펀드 재배분 제안서 스타일
   ============================================================ */
.fr-strategy-area    { width: 100%; border: 1.5px solid var(--border); border-radius: 8px; padding: 10px 14px; font-size: 13px; font-family: 'Noto Sans KR',sans-serif; resize: vertical; outline: none; transition: border-color .2s; }
.fr-strategy-area:focus { border-color: var(--navy-light); }
.fr-total-bar        { display: flex; align-items: center; gap: 10px; background: #f0f4ff; border-radius: 8px; padding: 10px 16px; margin-bottom: 12px; font-size: 13px; color: var(--text-2); }
.fr-total-bar strong { font-size: 16px; font-weight: 700; color: var(--navy); margin-left: 4px; }
.fr-total-sep        { color: var(--border); margin: 0 4px; }
.fr-table            { width: 100%; border-collapse: collapse; font-size: 12.5px; min-width: 800px; }
.fr-table th         { background: var(--navy); color: #fff; padding: 9px 10px; text-align: center; font-size: 12px; white-space: nowrap; }
.fr-table td         { padding: 7px 10px; border-bottom: 1px solid var(--border); vertical-align: middle; }
.fr-table tbody tr:hover { background: #f5f7fb; }
.fr-asset-class, .fr-asset-class-p { width: 100%; padding: 5px 6px; border: 1.5px solid var(--border); border-radius: 6px; font-size: 12px; }
.fr-prod-name        { width: 100%; border: 1.5px solid var(--border); border-radius: 6px; padding: 5px 8px; font-size: 12px; min-width: 130px; }
.fr-num-input        { width: 90px; border: 1.5px solid var(--border); border-radius: 6px; padding: 5px 8px; font-size: 12px; text-align: right; }
.fr-pct-input        { width: 70px; border: 1.5px solid var(--border); border-radius: 6px; padding: 5px 8px; font-size: 12px; text-align: right; }
.fr-opinion-input    { width: 100%; border: 1.5px solid var(--border); border-radius: 6px; padding: 5px 8px; font-size: 12px; min-width: 100px; }
.fr-perf-input       { width: 60px; border: 1.5px solid var(--border); border-radius: 6px; padding: 4px 6px; font-size: 12px; text-align: right; }
.fr-return-cell, .fr-weight-cell, .fr-alloc-cell { text-align: right; font-weight: 600; color: var(--navy); }
.fr-del-btn          { background: none; border: none; color: #e74c3c; cursor: pointer; padding: 4px 8px; font-size: 13px; border-radius: 5px; }
.fr-del-btn:hover    { background: #fff0f0; }
.fr-summary-table    { width: 100%; border-collapse: collapse; font-size: 13px; }
.fr-summary-table th { background: var(--navy); color: #fff; padding: 10px 14px; text-align: center; }
.fr-summary-table td { padding: 9px 14px; border-bottom: 1px solid var(--border); text-align: center; }
.fr-sum-total-row td { background: #f5f7fb; font-weight: 600; }
.btn-add-row         { background: #f0f4ff; border: 1.5px dashed #93aed6; color: var(--navy); border-radius: 8px; padding: 6px 16px; font-size: 13px; cursor: pointer; margin-top: 8px; }
.btn-add-row:hover   { background: #e0e9ff; }
.mt8  { margin-top: 8px; }
.mt16 { margin-top: 16px; }
.btn-icon-action     { background: var(--navy); color: #fff; border: none; border-radius: 8px; padding: 7px 14px; font-size: 13px; cursor: pointer; display: flex; align-items: center; gap: 6px; }
.btn-icon-action:hover { background: var(--navy-light); }

/* ============================================================
   CRM 고객관리 스타일
   ============================================================ */
/* CRM 전용 레이아웃 */
#screen-crm {
  padding: 16px !important;
}
#screen-crm .page-wrap {
  max-width: 100% !important;
  width: 100%;
  margin: 0;
}
#screen-crm .page-header {
  margin-bottom: 10px !important;
  padding-bottom: 10px !important;
}
.crm-wrap { max-width: 100%; width: 100%; }
.crm-header { border-bottom: 2px solid var(--border); margin-bottom: 0; padding-bottom: 10px; }
.btn-crm-add         { background: var(--navy); color: #fff; border: none; border-radius: 8px; padding: 9px 18px; font-size: 13px; font-weight: 600; cursor: pointer; display: inline-flex; align-items: center; gap: 7px; transition: background .2s; }
.btn-crm-add:hover   { background: #c0392b; }

/* 통계 바 */
.crm-stats-bar       { display: flex; gap: 8px; margin: 10px 0; flex-wrap: nowrap; }
.crm-stat-item       { flex: 1; min-width: 80px; background: #fff; border: 1px solid var(--border); border-radius: 10px; padding: 8px 10px; display: flex; flex-direction: column; align-items: center; gap: 2px; box-shadow: 0 1px 4px rgba(0,0,0,.06); }
.csi-label           { font-size: 10px; color: var(--text-3); font-weight: 500; }
.csi-val             { font-size: 18px; font-weight: 800; color: var(--navy); }
.csi-vip   .csi-val  { color: #c0392b; }
.csi-active .csi-val { color: #27ae60; }
.csi-new   .csi-val  { color: #2980b9; }
.csi-birthday .csi-val { color: #e67e22; }
.csi-followup .csi-val { color: #8e44ad; }

/* 필터 바 */
.crm-filter-bar      { display: flex; align-items: center; gap: 8px; padding: 8px 0; flex-wrap: wrap; border-bottom: 1px solid var(--border); margin-bottom: 10px; }
.crm-search-wrap     { position: relative; flex: 0 0 260px; }
.crm-search-icon     { position: absolute; left: 12px; top: 50%; transform: translateY(-50%); color: var(--text-3); font-size: 13px; }
.crm-search-input    { width: 100%; padding: 8px 12px 8px 34px; border: 1.5px solid var(--border); border-radius: 8px; font-size: 13px; outline: none; transition: border-color .2s; }
.crm-search-input:focus { border-color: var(--navy-light); }
.crm-filter-chips    { display: flex; gap: 6px; flex-wrap: wrap; flex: 1; }
.crm-chip            { background: #f0f2f5; border: 1.5px solid var(--border); border-radius: 20px; padding: 5px 12px; font-size: 12px; cursor: pointer; transition: all .18s; }
.crm-chip:hover      { background: #e0e8ff; border-color: var(--navy-light); }
.crm-chip.active     { background: var(--navy); color: #fff; border-color: var(--navy); }
.crm-chip-birthday   { border-color: #e67e22; color: #e67e22; }
.crm-chip-birthday.active { background: #e67e22; color: #fff; border-color: #e67e22; }
.crm-chip-followup   { border-color: #8e44ad; color: #8e44ad; }
.crm-chip-followup.active { background: #8e44ad; color: #fff; border-color: #8e44ad; }
.crm-sort-sel        { padding: 7px 10px; border: 1.5px solid var(--border); border-radius: 8px; font-size: 13px; outline: none; cursor: pointer; }

/* 리스트 헤더 */
.crm-list-wrap       { background: #fff; border-radius: 12px; border: 1px solid var(--border); overflow: hidden; box-shadow: 0 2px 8px rgba(0,0,0,.06); width: 100%; box-sizing: border-box; }
.crm-table-header    { display: flex; align-items: center; justify-content: space-between; padding: 12px 16px; border-bottom: 1px solid var(--border); background: #f9fbff; }
.crm-table-header span { font-size: 13px; font-weight: 600; color: var(--text-2); }
.crm-view-toggle     { display: flex; gap: 4px; }
.crm-vt-btn          { background: none; border: 1.5px solid var(--border); border-radius: 6px; padding: 5px 9px; cursor: pointer; font-size: 13px; color: var(--text-3); }
.crm-vt-btn.active   { background: var(--navy); color: #fff; border-color: var(--navy); }

/* 테이블 뷰 - 가로 스크롤 */
.crm-table-view {
  width: 100%;
  overflow-x: auto;
  overflow-y: visible;
  -webkit-overflow-scrolling: touch;
  display: block;
}
.crm-table-view::-webkit-scrollbar { height: 7px; }
.crm-table-view::-webkit-scrollbar-track { background: #f1f5f9; }
.crm-table-view::-webkit-scrollbar-thumb { background: #94a3b8; border-radius: 4px; }
.crm-table-view::-webkit-scrollbar-thumb:hover { background: #475569; }
.crm-table {
  width: 100%;
  min-width: 960px;
  border-collapse: collapse;
  font-size: 12.5px;
  white-space: nowrap;
}
.crm-table th        { background: var(--navy); color: #fff; padding: 9px 10px; text-align: left; font-size: 11.5px; white-space: nowrap; }
.crm-table td        { padding: 9px 10px; border-bottom: 1px solid #eef0f5; vertical-align: middle; white-space: nowrap; font-size:12px; }
.crm-table tbody tr:hover { background: #f5f8ff; }
.crm-name-cell       { display: flex; flex-direction: column; gap: 4px; }
.crm-cname           { font-weight: 600; color: var(--navy); cursor: pointer; font-size: 13.5px; }
.crm-cname:hover     { text-decoration: underline; }
.crm-sub             { font-size: 11px; color: var(--text-3); }
.crm-num-cell        { text-align: right; font-weight: 600; }
.crm-priority-cell   { text-align: center; }
.crm-priority-badge  { display: inline-flex; align-items: center; justify-content: center; width: 22px; height: 22px; border-radius: 50%; font-size: 11px; font-weight: 700; background: var(--navy); color: #fff; }
.crm-priority-badge.p1 { background: #c0392b; }
.crm-priority-badge.p2 { background: #e67e22; }
.crm-priority-badge.p3 { background: var(--navy); }
.crm-priority-badge.p4 { background: #7f8c8d; }
.crm-priority-badge.p5 { background: #bdc3c7; color: #555; }
.crm-status-badge, .crm-tendency-badge { display: inline-block; padding: 3px 9px; border-radius: 12px; font-size: 11px; font-weight: 600; color: #fff; }
.crm-stage-badge     { display: inline-block; padding: 3px 8px; border-radius: 6px; font-size: 11px; background: #eef2ff; color: var(--navy); font-weight: 600; border: 1px solid #c5d0ea; }
.crm-stage-badge[data-stage="설계완료"]    { background: #e8f8f0; color: #27ae60; border-color: #a8d5b5; }
.crm-stage-badge[data-stage="보고서발송"]  { background: #fff3e0; color: #e67e22; border-color: #f0c080; }
.crm-stage-badge[data-stage="계약완료"]    { background: #fdecea; color: #c0392b; border-color: #f0a0a0; }
.crm-tag             { display: inline-block; padding: 2px 7px; background: #eef2ff; color: var(--navy); border-radius: 10px; font-size: 10px; font-weight: 600; margin-right: 3px; }
.crm-date-soon       { color: #e67e22; font-weight: 600; }
.crm-date-over       { color: #e74c3c; font-weight: 700; }
.crm-action-cell     { display: flex; gap: 4px; }
.crm-act-btn         { border: none; border-radius: 6px; padding: 5px 9px; cursor: pointer; font-size: 12px; transition: all .15s; }
.crm-act-edit        { background: #eef2ff; color: var(--navy); }
.crm-act-edit:hover  { background: var(--navy); color: #fff; }
.crm-act-del         { background: #fdecea; color: #c0392b; }
.crm-act-del:hover   { background: #c0392b; color: #fff; }

/* 카드 뷰 */
.crm-card-view       { display: grid; grid-template-columns: repeat(auto-fill,minmax(280px,1fr)); gap: 14px; padding: 14px; }
.crm-card-item       { background: #fff; border: 1px solid var(--border); border-radius: 12px; padding: 16px; box-shadow: 0 2px 6px rgba(0,0,0,.06); transition: box-shadow .2s; }
.crm-card-item:hover { box-shadow: 0 4px 16px rgba(0,0,0,.12); }
.crm-ci-header       { display: flex; align-items: flex-start; gap: 12px; margin-bottom: 12px; }
.crm-ci-avatar       { width: 42px; height: 42px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 20px; font-weight: 700; color: #fff; flex-shrink: 0; }
.crm-ci-info         { flex: 1; }
.crm-ci-name         { font-size: 15px; font-weight: 700; color: var(--navy); cursor: pointer; }
.crm-ci-name:hover   { text-decoration: underline; }
.crm-ci-sub          { font-size: 11px; color: var(--text-3); margin-top: 2px; }
.crm-ci-tags         { margin-top: 4px; }
.crm-ci-body         { border-top: 1px solid #f0f2f5; padding-top: 10px; display: flex; flex-direction: column; gap: 5px; }
.crm-ci-row          { display: flex; align-items: center; gap: 8px; font-size: 12.5px; color: var(--text-2); }
.crm-ci-row span:first-child { width: 16px; text-align: center; color: var(--text-3); }
.crm-next-urgent     { color: #e74c3c; font-weight: 600; }
.crm-ci-footer       { border-top: 1px solid #f0f2f5; padding-top: 10px; margin-top: 10px; display: flex; align-items: center; justify-content: space-between; gap: 10px; }
.crm-ci-retire       { display: flex; align-items: center; gap: 6px; font-size: 11px; color: var(--text-3); flex: 1; }
.crm-ci-prog-bar     { flex: 1; height: 5px; background: #eee; border-radius: 3px; overflow: hidden; }
.crm-ci-prog-fill    { height: 100%; border-radius: 3px; transition: width .4s; }
.crm-ci-actions      { display: flex; gap: 4px; }

/* 빈 상태 */
.crm-empty           { display: flex; flex-direction: column; align-items: center; padding: 60px 20px; gap: 14px; color: var(--text-3); }
.crm-empty-icon      { font-size: 48px; opacity: .25; }
.crm-empty p         { font-size: 15px; }

/* sm-crm 사이드바 항목 */
.sm-crm { border-top: 1px solid rgba(255,255,255,.1); margin-top: 4px; }

/* ============================================================
   CRM 모달
   ============================================================ */
.crm-modal-overlay   { position: fixed; inset: 0; background: rgba(0,0,0,.55); z-index: 1000; display: flex; align-items: center; justify-content: center; padding: 20px; }
.crm-modal-box       { background: #fff; border-radius: 14px; width: 100%; max-width: 740px; max-height: 90vh; display: flex; flex-direction: column; box-shadow: 0 8px 40px rgba(0,0,0,.25); overflow: hidden; }
.crm-modal-header    { display: flex; align-items: center; justify-content: space-between; padding: 18px 24px; border-bottom: 1px solid var(--border); background: var(--navy); color: #fff; }
.crm-modal-header h3 { font-size: 16px; font-weight: 700; margin: 0; }
.crm-modal-close     { background: none; border: none; color: #fff; font-size: 18px; cursor: pointer; padding: 4px 8px; border-radius: 6px; }
.crm-modal-close:hover { background: rgba(255,255,255,.15); }
.crm-modal-body      { flex: 1; overflow-y: auto; padding: 0; }
.crm-modal-tabs      { display: flex; border-bottom: 1px solid var(--border); }
.crm-tab-btn         { flex: 1; padding: 12px; font-size: 13px; font-weight: 600; background: none; border: none; cursor: pointer; color: var(--text-3); border-bottom: 3px solid transparent; transition: all .18s; }
.crm-tab-btn.active  { color: var(--navy); border-bottom-color: var(--navy); background: #f8faff; }
.crm-tab-btn:hover   { background: #f0f4ff; }
.crm-tab-panel       { display: none; padding: 20px 24px; }
.crm-tab-panel.active{ display: block; }
.crm-form-grid       { display: grid; grid-template-columns: 1fr 1fr; gap: 12px 16px; }
.crm-memo-area       { width: 100%; border: 1.5px solid var(--border); border-radius: 8px; padding: 10px 12px; font-size: 13px; font-family: 'Noto Sans KR',sans-serif; resize: vertical; outline: none; }
.crm-memo-area:focus { border-color: var(--navy-light); }
.crm-modal-footer    { display: flex; gap: 10px; padding: 14px 24px; border-top: 1px solid var(--border); background: #f9fbff; }
.btn-crm-save        { background: var(--navy); color: #fff; border: none; border-radius: 8px; padding: 9px 22px; font-size: 14px; font-weight: 600; cursor: pointer; }
.btn-crm-save:hover  { background: #c0392b; }
.btn-crm-cancel      { background: #f0f2f5; color: var(--text-2); border: 1.5px solid var(--border); border-radius: 8px; padding: 9px 16px; font-size: 14px; cursor: pointer; }
.btn-crm-open-fp     { background: #27ae60; color: #fff; border: none; border-radius: 8px; padding: 9px 16px; font-size: 13px; cursor: pointer; margin-left: auto; }
.crm-fp-link-wrap    { margin-top: 14px; padding: 14px; background: #f0f4ff; border-radius: 10px; border: 1px dashed #93aed6; }
.crm-fp-link-label   { font-size: 13px; font-weight: 700; color: var(--navy); margin-bottom: 5px; }
.crm-fp-link-desc    { font-size: 12px; color: var(--text-3); margin-bottom: 10px; }
.btn-fp-link         { background: var(--navy); color: #fff; border: none; border-radius: 7px; padding: 7px 14px; font-size: 13px; cursor: pointer; }
.btn-fp-link:hover   { background: var(--navy-light); }
.crm-fp-link-status  { margin-top: 8px; font-size: 12px; }

/* ============================================================
   상담 이력 로그
   ============================================================ */
.crm-ch-toolbar      { margin-bottom: 12px; }
.btn-add-contact     { background: #eef2ff; border: 1.5px solid var(--navy-light); color: var(--navy); border-radius: 8px; padding: 7px 14px; font-size: 13px; font-weight: 600; cursor: pointer; }
.btn-add-contact:hover { background: var(--navy); color: #fff; }
.crm-log-form        { background: #f8faff; border: 1.5px dashed #93aed6; border-radius: 10px; padding: 14px; margin-bottom: 12px; }
.crm-log-form-btns   { display: flex; gap: 8px; margin-top: 10px; }
.btn-sm-save         { background: var(--navy); color: #fff; border: none; border-radius: 7px; padding: 7px 14px; font-size: 12px; cursor: pointer; }
.btn-sm-cancel       { background: #f0f2f5; color: var(--text-2); border: 1.5px solid var(--border); border-radius: 7px; padding: 7px 12px; font-size: 12px; cursor: pointer; }
.crm-log-empty       { text-align: center; padding: 24px; color: var(--text-3); font-size: 13px; }
.crm-log-item        { background: #fff; border: 1px solid var(--border); border-radius: 8px; padding: 12px 14px; margin-bottom: 8px; }
.crm-log-new         { border-color: var(--navy-light); background: #f0f4ff; }
.crm-log-header      { display: flex; align-items: center; gap: 8px; flex-wrap: wrap; margin-bottom: 6px; }
.crm-log-date        { font-size: 12px; font-weight: 600; color: var(--navy); }
.crm-log-type        { background: #eef2ff; color: var(--navy); border-radius: 10px; padding: 2px 8px; font-size: 11px; font-weight: 600; }
.crm-log-result      { background: #e8f8f0; color: #27ae60; border-radius: 10px; padding: 2px 8px; font-size: 11px; font-weight: 600; }
.crm-log-new-badge   { background: var(--crimson); color: #fff; border-radius: 10px; padding: 2px 7px; font-size: 10px; font-weight: 700; }
.crm-log-del         { margin-left: auto; background: none; border: none; color: var(--text-3); cursor: pointer; font-size: 12px; padding: 2px 6px; }
.crm-log-del:hover   { color: #e74c3c; }
.crm-log-content     { font-size: 12.5px; color: var(--text-2); line-height: 1.55; margin-bottom: 4px; }
.crm-log-next        { font-size: 12px; color: #e67e22; margin-bottom: 3px; }
.crm-log-fp          { font-size: 11px; color: var(--text-3); }

/* ============================================================
   CRM 상세 패널 (사이드)
   ============================================================ */
.crm-detail-overlay  { position: fixed; inset: 0; background: rgba(0,0,0,.35); z-index: 800; }
.crm-detail-panel    { position: fixed; top: 0; right: 0; bottom: 0; width: 380px; max-width: 95vw; background: #fff; z-index: 850; box-shadow: -6px 0 30px rgba(0,0,0,.15); display: flex; flex-direction: column; overflow: hidden; }
.crm-dp-header       { padding: 18px 20px; background: var(--navy); color: #fff; display: flex; flex-direction: column; gap: 6px; position: relative; }
.crm-dp-header h3    { font-size: 18px; font-weight: 700; margin: 0; }
.cdp-badges          { display: flex; flex-wrap: wrap; gap: 6px; }
.crm-dp-close        { position: absolute; top: 14px; right: 14px; background: rgba(255,255,255,.15); border: none; color: #fff; width: 28px; height: 28px; border-radius: 50%; cursor: pointer; font-size: 14px; }
.crm-dp-body         { flex: 1; overflow-y: auto; padding: 16px; }
.cdp-section         { margin-bottom: 18px; }
.cdp-label           { font-size: 11px; font-weight: 700; color: var(--text-3); text-transform: uppercase; letter-spacing: .06em; margin-bottom: 8px; border-bottom: 1px solid var(--border); padding-bottom: 4px; }
.cdp-kpi-grid        { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.cdp-kpi             { background: #f5f7fb; border-radius: 8px; padding: 10px 12px; display: flex; flex-direction: column; gap: 3px; }
.cdp-kpi span        { font-size: 11px; color: var(--text-3); }
.cdp-kpi strong      { font-size: 16px; font-weight: 700; color: var(--navy); }
.cdp-info-grid       { display: grid; grid-template-columns: 1fr 1fr; gap: 6px 12px; }
.cdp-info-grid > div { display: flex; flex-direction: column; gap: 2px; }
.cdp-info-grid span  { font-size: 11px; color: var(--text-3); }
.cdp-info-grid strong{ font-size: 13px; color: var(--text-1); }
.cdp-memo            { background: #f9f9f9; border-radius: 8px; padding: 10px 12px; font-size: 12.5px; color: var(--text-2); line-height: 1.6; white-space: pre-wrap; }
.cdp-actions         { margin-top: 16px; }
.txt-red             { color: #e74c3c; }
.txt-green           { color: #27ae60; }
.txt-gold            { color: #d4a017; }

/* ============================================================
   반응형 추가 (은퇴CF, 펀드, CRM)
   ============================================================ */
@media (max-width: 900px) {
  .rcf-assumption-grid { grid-template-columns: 1fr 1fr; }
  .rcf-income-grid     { grid-template-columns: 1fr; }
  .crm-stats-bar       { gap: 8px; }
  .crm-stat-item       { min-width: 80px; padding: 10px 10px; }
  .crm-filter-bar      { flex-direction: column; align-items: flex-start; }
  .crm-search-wrap     { flex: none; width: 100%; }
  .crm-modal-box       { max-width: 98vw; margin: 8px; }
  .crm-form-grid       { grid-template-columns: 1fr; }
  .crm-detail-panel    { width: 100%; }
  .fr-total-bar        { flex-wrap: wrap; }
}
@media (max-width: 540px) {
  .rcf-assumption-grid { grid-template-columns: 1fr; }
  .crm-stats-bar .crm-stat-item { min-width: 48%; }
  .rcf-summary-bar     { flex-direction: column; align-items: stretch; }
  .rcf-sb-sep          { display: none; }
}