/* ==========================================================================
   PROJECT-10 — PHASE-5C : 대출/세금 계산기 (loan.html) 전용 스타일
   Design Freeze v1.0(assets/css/style.css)의 색상/폰트/Radius/Shadow 변수를
   그대로 상속합니다. 새 클래스(ln- 접두사)만 정의하며 style.css의
   기존 선택자는 전혀 건드리지 않습니다.
   ========================================================================== */

.ln-main{ max-width:1180px; margin:0 auto; padding:0 32px 40px; }

.ln-breadcrumb{ font-size:12.5px; color:var(--text-muted); padding:16px 0 8px; }
.ln-breadcrumb a{ color:var(--text-muted); text-decoration:none; }
.ln-breadcrumb .sep{ margin:0 6px; }
.ln-breadcrumb .current{ color:var(--text-headline); font-weight:600; }

.ln-page-head{ display:flex; align-items:flex-start; justify-content:space-between; gap:20px; padding:8px 0 20px; flex-wrap:wrap; }
.ln-page-title{ font-size:24px; font-weight:800; color:var(--text-headline); margin:0 0 6px; }
.ln-page-sub{ font-size:13px; color:var(--text-body); margin:0; }

.ln-consult-card{
  background:var(--bg-cream); border-radius:var(--radius-lg); padding:16px 20px;
  max-width:400px; display:flex; flex-direction:column; gap:10px;
}
.ln-consult-title{ font-size:13px; font-weight:700; color:var(--text-headline); margin:0; }
.ln-consult-sub{ font-size:11.5px; color:var(--text-body); margin:0; }
.ln-consult-btn{
  border:none; background:#fff; color:var(--text-headline); font-size:12.5px; font-weight:600;
  padding:10px; border-radius:999px; text-align:center; text-decoration:none; border:1px solid var(--border);
}
.ln-consult-btn:hover{ background:var(--bg-alt); }

/* 탭 */
.ln-tabs{ display:grid; grid-template-columns:1fr 1fr; gap:0; border-bottom:2px solid var(--border); margin-bottom:24px; }
.ln-tab{
  background:none; border:none; cursor:pointer; padding:14px 10px; text-align:center;
  border-bottom:2px solid transparent; margin-bottom:-2px;
}
.ln-tab-title{ display:block; font-size:15px; font-weight:700; color:var(--text-body); }
.ln-tab-sub{ display:block; font-size:11.5px; color:var(--text-muted); margin-top:3px; }
.ln-tab.is-active{ border-bottom-color:var(--green); }
.ln-tab.is-active .ln-tab-title{ color:var(--green); }

.ln-panel{ display:none; }
.ln-panel.is-active{ display:block; }

/* 대출 한도 계산 3열 */
.ln-row{ display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); gap:20px; margin-bottom:24px; }
.ln-card{ background:#fff; border:1px solid var(--border); border-radius:var(--radius-lg); padding:20px; display:flex; flex-direction:column; }
.ln-card h3{ font-size:14.5px; font-weight:700; color:var(--text-headline); margin:0 0 16px; }

.ln-field{ margin-bottom:14px; }
.ln-field label{ display:flex; align-items:center; gap:4px; font-size:12px; font-weight:600; color:var(--text-headline); margin-bottom:6px; }
.ln-field-input{ position:relative; display:flex; align-items:center; }
.ln-field-input input{
  width:100%; border:1px solid var(--border); border-radius:8px; padding:10px 40px 10px 12px;
  font-size:13px; font-family:inherit; color:var(--text-headline);
}
.ln-field-unit{ position:absolute; right:12px; font-size:12px; color:var(--text-muted); }
.ln-field-note{ font-size:10.5px; color:var(--text-muted); margin-top:5px; }

.ln-btn-group{ display:flex; gap:6px; }
.ln-btn-group button{
  flex:1; min-width:0; border:1px solid var(--border); background:#fff; color:var(--text-body);
  font-size:12px; font-weight:600; padding:9px 4px; border-radius:8px; cursor:pointer;
}
.ln-btn-group button.is-active{ background:var(--green); color:#fff; border-color:var(--green); }

.ln-calc-btn{
  border:none; background:var(--green); color:#fff; font-size:13.5px; font-weight:700;
  padding:11px; border-radius:999px; cursor:pointer; width:100%; margin-top:4px;
}
.ln-calc-btn:hover{ background:#365f52; }
.ln-reset-btn{
  border:1px solid var(--border); background:#fff; color:var(--text-headline); font-size:12.5px; font-weight:600;
  padding:9px; border-radius:999px; cursor:pointer; width:100%; margin-top:8px;
}
.ln-reset-btn:hover{ background:var(--bg-alt); }

/* 게이지 */
.ln-gauge-wrap{ display:flex; flex-direction:column; align-items:center; margin-bottom:16px; }
.ln-gauge-canvas-wrap{ width:100%; max-width:220px; height:120px; position:relative; }
.ln-gauge-canvas-wrap canvas{ max-width:100%; }
.ln-gauge-label{ font-size:11.5px; color:var(--text-body); text-align:center; margin-top:-40px; }
.ln-gauge-value{ font-size:24px; font-weight:800; color:var(--text-headline); text-align:center; }
.ln-gauge-ratio{ font-size:11.5px; color:var(--text-muted); text-align:center; }

.ln-result-box{ display:grid; grid-template-columns:1fr 1fr; gap:10px; margin-bottom:16px; }
.ln-result-item{ background:var(--bg-alt); border-radius:var(--radius-md); padding:12px; }
.ln-result-item-label{ font-size:11px; color:var(--text-body); margin-bottom:4px; }
.ln-result-item-value{ font-size:15px; font-weight:800; color:var(--text-headline); }
.ln-dsr-bar{ height:5px; border-radius:999px; background:#E7ECEA; overflow:hidden; margin-top:6px; }
.ln-dsr-bar-fill{ height:100%; background:var(--green); border-radius:999px; }

.ln-detail-table{ display:flex; flex-direction:column; gap:8px; margin-bottom:10px; }
.ln-detail-row{ display:flex; justify-content:space-between; font-size:12px; color:var(--text-body); }
.ln-detail-row strong{ color:var(--text-headline); font-weight:700; }
.ln-detail-row.is-highlight strong{ color:var(--green); }
.ln-footnote{ font-size:10.5px; color:var(--text-muted); line-height:1.4; margin-top:auto; }

.ln-loan-item{ background:var(--bg-alt); border:1px solid var(--border); border-radius:10px; padding:10px; position:relative; }
.ln-loan-item-head{ display:flex; align-items:center; gap:8px; margin-bottom:8px; }
.ln-loan-badge{ font-size:10.5px; font-weight:700; padding:3px 9px; border-radius:10px; background:rgba(33,112,201,0.12); color:var(--blue); }
.ln-loan-del{ margin-left:auto; background:none; border:none; color:var(--text-muted); cursor:pointer; font-size:14px; padding:2px; }
.ln-loan-del:hover{ color:#C0392B; }
.ln-loan-fields{ display:grid; grid-template-columns:repeat(3,1fr); gap:6px; }
.ln-loan-fields label{ font-size:10px; color:var(--text-muted); display:block; margin-bottom:2px; }
.ln-loan-fields input{ width:100%; border:1px solid var(--border); border-radius:6px; padding:6px 7px; font-size:11.5px; font-family:inherit; }

.ln-result-badge{ display:inline-flex; align-items:center; gap:5px; padding:6px 13px; border-radius:999px; font-size:12px; font-weight:700; }
.ln-result-badge.is-ok{ background:rgba(66,120,102,0.14); color:var(--green); }
.ln-result-badge.is-warn{ background:rgba(201,154,62,0.16); color:var(--gold); }
.ln-result-badge.is-err{ background:rgba(192,57,43,0.12); color:#C0392B; }
.ln-select{ width:100%; border:1px solid var(--border); border-radius:8px; padding:9px 10px; font-size:12.5px; color:var(--text-headline); margin-bottom:14px; }
.ln-sim-row{ display:flex; justify-content:space-between; font-size:12.5px; color:var(--text-body); padding:8px 0; border-bottom:1px solid var(--border); }
.ln-sim-row strong{ color:var(--text-headline); font-weight:700; }
.ln-sim-highlight{ background:var(--bg-cream); border-radius:var(--radius-md); padding:14px; text-align:center; margin:14px 0; }
.ln-sim-highlight-label{ font-size:11.5px; color:var(--text-body); }
.ln-sim-highlight-value{ font-size:22px; font-weight:800; color:var(--text-headline); }
.ln-sim-btn{
  border:1px solid var(--border); background:#fff; color:var(--text-headline); font-size:12.5px; font-weight:600;
  padding:10px; border-radius:999px; cursor:pointer; width:100%; margin-top:auto;
}
.ln-sim-btn:hover{ background:var(--bg-alt); }

/* 세금 계산 예시 */
.ln-tax-card{ background:#fff; border:1px solid var(--border); border-radius:var(--radius-lg); padding:20px; margin-bottom:24px; }
.ln-tax-head{ display:flex; align-items:baseline; gap:10px; margin-bottom:14px; }
.ln-tax-head h3{ font-size:15px; font-weight:700; color:var(--text-headline); margin:0; }
.ln-tax-head span{ font-size:12px; color:var(--text-muted); }
.ln-tax-grid{ display:grid; grid-template-columns:repeat(4,minmax(0,1fr)); gap:14px; margin-bottom:12px; }
.ln-tax-item{ background:var(--bg-alt); border-radius:var(--radius-md); padding:16px; text-align:center; }
.ln-tax-item-label{ font-size:12.5px; font-weight:700; color:var(--text-headline); margin-bottom:2px; }
.ln-tax-item-sub{ font-size:10.5px; color:var(--text-muted); margin-bottom:8px; }
.ln-tax-item-value{ font-size:17px; font-weight:800; color:var(--text-headline); margin-bottom:6px; }
.ln-tax-item-detail{ font-size:10.5px; color:var(--text-muted); line-height:1.4; }

/* FAQ */
.ln-faq-card{ background:#fff; border:1px solid var(--border); border-radius:var(--radius-lg); padding:20px; }
.ln-faq-item{ border-bottom:1px solid var(--border); }
.ln-faq-item:last-of-type{ border-bottom:none; }
.ln-faq-q{
  width:100%; text-align:left; background:none; border:none; cursor:pointer;
  display:flex; align-items:center; justify-content:space-between; padding:12px 0;
  font-size:12.5px; font-weight:600; color:var(--text-headline);
}
.ln-faq-q .chev{ transition:transform .15s ease; color:var(--text-muted); }
.ln-faq-item.is-open .ln-faq-q .chev{ transform:rotate(180deg); }
.ln-faq-a{ display:none; font-size:12px; color:var(--text-body); line-height:1.6; padding:0 0 14px; }
.ln-faq-item.is-open .ln-faq-a{ display:block; }
.ln-faq-more{
  display:block; text-align:center; margin-top:10px; border:1px solid var(--border); background:#fff;
  color:var(--text-headline); font-size:12px; font-weight:600; padding:9px; border-radius:999px; text-decoration:none;
}
.ln-faq-more:hover{ background:var(--bg-alt); }

/* 유용한 도구 */
.ln-tools-section{ margin-bottom:24px; }
.ln-tools-grid{ display:grid; grid-template-columns:repeat(6,minmax(0,1fr)); gap:12px; }
.ln-tool-item{
  background:#fff; border:1px solid var(--border); border-radius:var(--radius-lg); padding:16px 10px;
  display:flex; flex-direction:column; align-items:center; gap:8px; text-align:center; text-decoration:none;
}
.ln-tool-item:hover{ background:var(--bg-alt); }
.ln-tool-icon{ width:36px; height:36px; border-radius:10px; background:rgba(66,120,102,0.12); color:var(--green); display:flex; align-items:center; justify-content:center; }
.ln-tool-label{ font-size:12px; font-weight:700; color:var(--text-headline); }
.ln-tool-sub{ font-size:10.5px; color:var(--text-muted); }

/* CTA */
.ln-cta{ background:var(--bg-cream); border-radius:var(--radius-lg); padding:24px 28px; display:flex; align-items:center; justify-content:space-between; gap:20px; flex-wrap:wrap; }
.ln-cta-left{ display:flex; align-items:center; gap:14px; }
.ln-cta-icon{ width:44px; height:44px; border-radius:50%; background:#fff; color:var(--green); display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.ln-cta-title{ font-size:15.5px; font-weight:700; color:var(--text-headline); margin:0; }
.ln-cta-sub{ font-size:12.5px; color:var(--text-body); margin:3px 0 0; }
.ln-cta-btn{
  border:none; background:var(--green); color:#fff; font-size:13.5px; font-weight:700;
  padding:12px 24px; border-radius:999px; text-decoration:none; white-space:nowrap;
}
.ln-cta-btn:hover{ background:#365f52; }

/* ---------------------------------------------------------------------
   RESPONSIVE
   --------------------------------------------------------------------- */
@media (max-width: 1080px){
  .ln-row{ grid-template-columns:1fr 1fr; }
  .ln-row .ln-card:nth-child(3){ grid-column:1 / -1; }
  .ln-tax-grid{ grid-template-columns:1fr 1fr; }
  .ln-tools-grid{ grid-template-columns:repeat(3,minmax(0,1fr)); }
}
@media (max-width: 860px){
  .ln-row{ grid-template-columns:1fr; }
  .ln-row .ln-card:nth-child(3){ grid-column:auto; }
  .ln-page-head{ flex-direction:column; }
  .ln-consult-card{ max-width:none; width:100%; }
}
@media (max-width: 620px){
  .ln-tax-grid{ grid-template-columns:1fr 1fr; }
  .ln-tools-grid{ grid-template-columns:1fr 1fr; }
  .ln-tabs{ grid-template-columns:1fr 1fr; }
}