* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    --primary: #667eea;
    --primary-dark: #5a6fd6;
    --secondary: #764ba2;
    --success: #10b981;
    --warning: #f59e0b;
    --danger: #ef4444;
    --info: #3b82f6;

    /* 카테고리 색상 */
    --cat-finance: #667eea;
    --cat-market: #10b981;
    --cat-life: #f59e0b;
    --cat-utility: #8b5cf6;

    /* 그레이스케일 */
    --gray-50: #f9fafb;
    --gray-100: #f3f4f6;
    --gray-200: #e5e7eb;
    --gray-300: #d1d5db;
    --gray-400: #9ca3af;
    --gray-500: #6b7280;
    --gray-600: #4b5563;
    --gray-700: #374151;
    --gray-800: #1f2937;
    --gray-900: #111827;

    /* 그림자 */
    --shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.05);
    --shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1);
    --shadow-md: 0 10px 15px -3px rgba(0, 0, 0, 0.1);
    --shadow-lg: 0 20px 25px -5px rgba(0, 0, 0, 0.1);
    --shadow-xl: 0 25px 50px -12px rgba(0, 0, 0, 0.25);

    /* 둥글기 */
    --radius-sm: 6px;
    --radius: 10px;
    --radius-lg: 16px;
    --radius-xl: 20px;
    --radius-2xl: 24px;
}

/* 스플래시 화면 */
#splash-screen {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, var(--primary) 0%, var(--secondary) 100%);
    display: flex;
    justify-content: center;
    align-items: center;
    z-index: 9999;
    transition: opacity 0.5s ease-out;
}

#splash-screen.fade-out {
    opacity: 0;
}

.splash-content {
    text-align: center;
    color: white;
}

.splash-icon {
    width: 100px;
    height: 100px;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-xl);
    margin-bottom: 20px;
    animation: pulse 2s ease-in-out infinite;
}

@keyframes pulse {
    0%, 100% { transform: scale(1); }
    50% { transform: scale(1.05); }
}

.splash-title {
    font-size: 28px;
    font-weight: 700;
    margin-bottom: 6px;
    text-shadow: 0 2px 10px rgba(0, 0, 0, 0.2);
}

.splash-subtitle {
    font-size: 14px;
    opacity: 0.9;
    margin-bottom: 32px;
}

.splash-loader {
    display: flex;
    flex-direction: column;
    align-items: center;
}

.spinner {
    width: 36px;
    height: 36px;
    border: 3px solid rgba(255, 255, 255, 0.3);
    border-top-color: white;
    border-radius: 50%;
    animation: spin 1s linear infinite;
}

@keyframes spin {
    to { transform: rotate(360deg); }
}

.loading-text {
    margin-top: 12px;
    font-size: 13px;
    opacity: 0.8;
}

body {
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
    background: linear-gradient(135deg, var(--primary) 0%, var(--secondary) 100%);
    min-height: 100vh;
    padding: 16px;
}

.container {
    max-width: 480px;
    margin: 0 auto;
    background: white;
    border-radius: var(--radius-2xl);
    padding: 24px;
    box-shadow: var(--shadow-xl);
}

/* 헤더 */
h1 {
    text-align: center;
    color: var(--gray-800);
    margin-bottom: 8px;
    font-size: 22px;
    font-weight: 700;
}

.header-subtitle {
    text-align: center;
    color: var(--gray-500);
    font-size: 13px;
    margin-bottom: 20px;
}

/* ===== 메인 메뉴 (카테고리 기반) ===== */
.main-menu {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.menu-category {
    background: var(--gray-50);
    border-radius: var(--radius-lg);
    padding: 16px;
}

.category-header {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 12px;
    padding-bottom: 10px;
    border-bottom: 2px solid var(--gray-200);
}

.category-icon {
    width: 28px;
    height: 28px;
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
    color: white;
}

.category-icon.finance { background: var(--cat-finance); }
.category-icon.market { background: var(--cat-market); }
.category-icon.life { background: var(--cat-life); }
.category-icon.utility { background: var(--cat-utility); }

.category-title {
    font-size: 14px;
    font-weight: 700;
    color: var(--gray-700);
}

.category-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 10px;
}

/* 메뉴 버튼 - 미니멀 카드 스타일 */
.menu-btn {
    padding: 14px 8px;
    background: white;
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
    cursor: pointer;
    transition: all 0.2s ease;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 6px;
    box-shadow: var(--shadow-sm);
}

.menu-btn:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
    border-color: var(--gray-300);
}

.menu-btn:active {
    transform: translateY(0);
}

.menu-icon {
    width: 40px;
    height: 40px;
    border-radius: var(--radius);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
}

.menu-title {
    font-size: 12px;
    font-weight: 600;
    color: var(--gray-700);
    text-align: center;
    line-height: 1.3;
}

/* 카테고리별 아이콘 배경색 */
.menu-btn.finance .menu-icon { background: linear-gradient(135deg, #667eea 0%, #764ba2 100%); }
.menu-btn.market .menu-icon { background: linear-gradient(135deg, #10b981 0%, #34d399 100%); }
.menu-btn.life .menu-icon { background: linear-gradient(135deg, #f59e0b 0%, #fbbf24 100%); }
.menu-btn.utility .menu-icon { background: linear-gradient(135deg, #8b5cf6 0%, #a78bfa 100%); }

/* 개별 버튼 색상 (기존 호환) */
.loan-btn .menu-icon { background: linear-gradient(135deg, #667eea 0%, #764ba2 100%); }
.deposit-btn .menu-icon { background: linear-gradient(135deg, #ec4899 0%, #f472b6 100%); }
.savings-btn .menu-icon { background: linear-gradient(135deg, #3b82f6 0%, #60a5fa 100%); }
.investment-btn .menu-icon { background: linear-gradient(135deg, #10b981 0%, #34d399 100%); }
.goal-btn .menu-icon { background: linear-gradient(135deg, #f59e0b 0%, #fbbf24 100%); }
.early-btn .menu-icon { background: linear-gradient(135deg, #6366f1 0%, #818cf8 100%); }
.salary-btn .menu-icon { background: linear-gradient(135deg, #14b8a6 0%, #2dd4bf 100%); }

.exchange-btn .menu-icon { background: linear-gradient(135deg, #10b981 0%, #34d399 100%); }
.gold-btn .menu-icon { background: linear-gradient(135deg, #f59e0b 0%, #fbbf24 100%); }
.oil-btn .menu-icon { background: linear-gradient(135deg, #374151 0%, #6b7280 100%); }
.carbon-btn .menu-icon { background: linear-gradient(135deg, #22c55e 0%, #4ade80 100%); }

.severance-btn .menu-icon { background: linear-gradient(135deg, #f59e0b 0%, #fbbf24 100%); }
.rent-btn .menu-icon { background: linear-gradient(135deg, #f97316 0%, #fb923c 100%); }
.dday-btn .menu-icon { background: linear-gradient(135deg, #ef4444 0%, #f87171 100%); }
.percent-btn .menu-icon { background: linear-gradient(135deg, #ec4899 0%, #f472b6 100%); }

.unit-btn .menu-icon { background: linear-gradient(135deg, #8b5cf6 0%, #a78bfa 100%); }
.vat-btn .menu-icon { background: linear-gradient(135deg, #06b6d4 0%, #22d3ee 100%); }

/* ===== 뒤로가기 버튼 ===== */
.back-btn {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 10px 16px;
    background: var(--gray-100);
    color: var(--gray-600);
    border: none;
    border-radius: var(--radius);
    font-size: 14px;
    font-weight: 500;
    cursor: pointer;
    transition: all 0.2s;
    margin-bottom: 16px;
}

.back-btn:hover {
    background: var(--gray-200);
    color: var(--gray-800);
}

/* ===== 계산기 컨텐츠 ===== */
.calculator-content {
    animation: fadeIn 0.3s ease;
}

@keyframes fadeIn {
    from {
        opacity: 0;
        transform: translateY(10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* ===== 폼 요소 ===== */
.form-group {
    margin-bottom: 20px;
}

label {
    display: flex;
    align-items: center;
    gap: 6px;
    margin-bottom: 8px;
    color: var(--gray-700);
    font-weight: 600;
    font-size: 14px;
}

/* 라디오 버튼 그룹 (상환방법 등) */
.repayment-methods {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
}

.method-btn {
    flex: 1;
    min-width: 100px;
    padding: 12px 8px;
    border: 2px solid var(--gray-200);
    background: white;
    border-radius: var(--radius);
    cursor: pointer;
    font-size: 13px;
    font-weight: 500;
    color: var(--gray-600);
    transition: all 0.2s;
}

.method-btn:hover {
    border-color: var(--primary);
    color: var(--primary);
}

.method-btn.active {
    background: var(--primary);
    color: white;
    border-color: var(--primary);
}

/* 입력 필드 */
.input-group {
    display: flex;
    gap: 8px;
    align-items: center;
    flex-wrap: wrap;
}

input[type="text"],
input[type="number"],
input[type="date"] {
    width: 100%;
    padding: 14px 16px;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius);
    font-size: 16px;
    color: var(--gray-800);
    transition: all 0.2s;
    background: white;
}

input:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(102, 126, 234, 0.1);
}

input::placeholder {
    color: var(--gray-400);
}

/* 셀렉트 박스 */
select,
.currency-select {
    width: 100%;
    padding: 14px 16px;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius);
    font-size: 16px;
    color: var(--gray-800);
    background: white;
    cursor: pointer;
    transition: all 0.2s;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%236b7280' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 12px center;
    padding-right: 40px;
}

select:focus,
.currency-select:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(102, 126, 234, 0.1);
}

/* 퀵 버튼 */
.quick-btn {
    padding: 10px 14px;
    background: var(--gray-100);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-sm);
    cursor: pointer;
    font-size: 13px;
    font-weight: 500;
    color: var(--gray-600);
    white-space: nowrap;
    transition: all 0.2s;
}

.quick-btn:hover {
    background: var(--primary);
    color: white;
    border-color: var(--primary);
}

.unit {
    color: var(--gray-500);
    font-size: 14px;
    min-width: 40px;
}

/* ===== 버튼 그룹 ===== */
.button-group {
    display: flex;
    gap: 10px;
    margin-top: 12px;
}

.calculate-btn {
    flex: 1;
    padding: 16px;
    background: linear-gradient(135deg, var(--primary) 0%, var(--secondary) 100%);
    color: white;
    border: none;
    border-radius: var(--radius);
    font-size: 16px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.2s;
    box-shadow: var(--shadow);
}

.calculate-btn:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

.calculate-btn:active {
    transform: translateY(0);
}

.reset-btn {
    flex: 1;
    padding: 16px;
    background: white;
    color: var(--gray-600);
    border: 2px solid var(--gray-300);
    border-radius: var(--radius);
    font-size: 16px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.2s;
}

.reset-btn:hover {
    background: var(--gray-50);
    border-color: var(--gray-400);
}

.save-btn {
    flex: 1;
    padding: 16px;
    background: var(--success);
    color: white;
    border: none;
    border-radius: var(--radius);
    font-size: 16px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.2s;
}

.save-btn:hover {
    background: #059669;
    transform: translateY(-2px);
}

.save-btn:disabled {
    background: var(--gray-300);
    cursor: not-allowed;
    transform: none;
}

.load-btn {
    flex: 1;
    padding: 16px;
    background: var(--warning);
    color: white;
    border: none;
    border-radius: var(--radius);
    font-size: 16px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.2s;
}

.load-btn:hover {
    background: #d97706;
    transform: translateY(-2px);
}

/* ===== 결과 영역 ===== */
.results {
    margin-top: 24px;
    padding-top: 24px;
    border-top: 2px solid var(--gray-100);
}

.summary {
    background: linear-gradient(135deg, var(--primary) 0%, var(--secondary) 100%);
    color: white;
    padding: 20px;
    border-radius: var(--radius-lg);
    margin-bottom: 16px;
}

.summary-item {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    margin-bottom: 12px;
    font-size: 14px;
}

.summary-item span:first-child {
    color: rgba(255, 255, 255, 0.85);
}

.summary-item span:last-child {
    font-weight: 600;
    text-align: right;
    white-space: pre-line;
}

.summary-item:last-child {
    margin-bottom: 0;
    padding-top: 12px;
    border-top: 1px solid rgba(255, 255, 255, 0.2);
    font-size: 16px;
}

.summary-item:last-child span:last-child {
    font-weight: 700;
}

/* 테이블 */
.table-container {
    max-height: 350px;
    overflow-y: auto;
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
}

.table-container::-webkit-scrollbar {
    width: 6px;
}

.table-container::-webkit-scrollbar-track {
    background: var(--gray-100);
    border-radius: 10px;
}

.table-container::-webkit-scrollbar-thumb {
    background: var(--gray-400);
    border-radius: 10px;
}

.schedule-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 13px;
}

.schedule-table th {
    background: var(--gray-50);
    padding: 12px 8px;
    text-align: right;
    font-weight: 600;
    color: var(--gray-600);
    border-bottom: 2px solid var(--gray-200);
    position: sticky;
    top: 0;
}

.schedule-table th:first-child {
    text-align: center;
}

.schedule-table td {
    padding: 10px 8px;
    text-align: right;
    border-bottom: 1px solid var(--gray-100);
    color: var(--gray-700);
}

.schedule-table td:first-child {
    text-align: center;
    font-weight: 600;
    color: var(--primary);
}

.schedule-table tr:hover {
    background: var(--gray-50);
}

.notice-text {
    color: var(--gray-500);
    font-size: 12px;
    text-align: center;
    margin-top: 12px;
    line-height: 1.6;
}

/* ===== 모달 ===== */
.modal-overlay {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(0, 0, 0, 0.6);
    display: flex;
    justify-content: center;
    align-items: center;
    z-index: 1000;
    padding: 16px;
    animation: fadeIn 0.2s ease;
}

.modal-content {
    background: white;
    border-radius: var(--radius-xl);
    width: 100%;
    max-width: 480px;
    max-height: 85vh;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    animation: slideUp 0.3s ease;
}

@keyframes slideUp {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.modal-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 24px;
    border-bottom: 1px solid var(--gray-100);
}

.modal-header h2 {
    margin: 0;
    font-size: 18px;
    font-weight: 700;
    color: var(--gray-800);
}

.modal-close {
    background: none;
    border: none;
    font-size: 24px;
    cursor: pointer;
    color: var(--gray-400);
    padding: 4px;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: color 0.2s;
}

.modal-close:hover {
    color: var(--gray-600);
}

.modal-body {
    padding: 20px 24px;
    overflow-y: auto;
}

/* 저장 목록 */
.saved-list {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.saved-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 14px 16px;
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
    transition: all 0.2s;
    background: white;
}

.saved-item:hover {
    border-color: var(--primary);
    background: var(--gray-50);
}

.saved-item-info {
    flex: 1;
    cursor: pointer;
}

.saved-item-title {
    font-weight: 600;
    color: var(--gray-800);
    font-size: 15px;
    margin-bottom: 4px;
}

.saved-item-date {
    font-size: 12px;
    color: var(--gray-400);
    margin-bottom: 4px;
}

.saved-item-details {
    font-size: 13px;
    color: var(--gray-500);
}

.delete-btn-small {
    padding: 8px 14px;
    background: var(--danger);
    color: white;
    border: none;
    border-radius: var(--radius-sm);
    cursor: pointer;
    font-size: 13px;
    font-weight: 500;
    transition: all 0.2s;
}

.delete-btn-small:hover {
    background: #dc2626;
}

.empty-message {
    text-align: center;
    color: var(--gray-400);
    padding: 40px 20px;
    font-size: 14px;
}

/* 저장 모달 */
.save-info-section {
    background: var(--gray-50);
    padding: 16px;
    border-radius: var(--radius);
    margin-bottom: 16px;
}

.save-info-section h3 {
    margin: 0 0 12px 0;
    font-size: 14px;
    font-weight: 600;
    color: var(--gray-700);
}

.save-info-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 10px;
}

.save-info-item {
    display: flex;
    flex-direction: column;
    gap: 2px;
}

.save-info-label {
    font-size: 11px;
    color: var(--gray-400);
}

.save-info-value {
    font-size: 13px;
    font-weight: 600;
    color: var(--gray-700);
}

.save-input-section {
    margin-bottom: 16px;
}

.save-title-input {
    width: 100%;
    padding: 14px 16px;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius);
    font-size: 16px;
    transition: all 0.2s;
}

.save-title-input:focus {
    outline: none;
    border-color: var(--primary);
}

.save-modal-buttons {
    display: flex;
    gap: 10px;
}

.cancel-btn {
    flex: 1;
    padding: 14px;
    background: white;
    color: var(--gray-600);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius);
    font-size: 15px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.2s;
}

.cancel-btn:hover {
    background: var(--gray-50);
    border-color: var(--gray-300);
}

.confirm-save-btn {
    flex: 1;
    padding: 14px;
    background: var(--success);
    color: white;
    border: none;
    border-radius: var(--radius);
    font-size: 15px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.2s;
}

.confirm-save-btn:hover {
    background: #059669;
}

/* 도움말 아이콘 */
.help-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 18px;
    height: 18px;
    background: var(--primary);
    color: white;
    border-radius: 50%;
    font-size: 11px;
    font-weight: 700;
    cursor: pointer;
    transition: all 0.2s;
}

.help-icon:hover {
    background: var(--secondary);
    transform: scale(1.1);
}

.help-modal .modal-content {
    max-width: 400px;
}

.help-modal .modal-body {
    padding: 24px;
}

.help-modal-text {
    font-size: 14px;
    line-height: 1.8;
    color: var(--gray-600);
}

/* 라디오 그룹 */
.radio-group {
    display: flex;
    gap: 16px;
    align-items: center;
}

.radio-label {
    display: flex;
    align-items: center;
    gap: 6px;
    cursor: pointer;
    font-weight: normal;
    color: var(--gray-600);
}

.radio-label input[type="radio"] {
    cursor: pointer;
    accent-color: var(--primary);
}

.optional {
    color: var(--gray-400);
    font-size: 12px;
    font-weight: 400;
    margin-left: 4px;
}

/* ===== 환율/시세 계산기 전용 ===== */
.exchange-info-box {
    background: var(--gray-50);
    border-radius: var(--radius);
    padding: 14px;
    margin-bottom: 16px;
    text-align: center;
}

.exchange-info-box .loading-text {
    color: var(--primary);
    font-size: 14px;
}

.exchange-info-box .error-text {
    color: var(--danger);
    font-size: 14px;
}

.exchange-info-box .update-time {
    color: var(--gray-500);
    font-size: 13px;
    margin: 0;
}

/* 면책 조항 */
.disclaimer {
    margin-top: 16px;
    padding: 14px;
    background: var(--gray-50);
    border-radius: var(--radius);
    font-size: 12px;
    color: var(--gray-500);
    line-height: 1.6;
}

.disclaimer p {
    margin: 0 0 8px 0;
    font-weight: 600;
    color: var(--gray-600);
}

.disclaimer ul {
    margin: 0;
    padding-left: 18px;
}

.disclaimer li {
    margin-bottom: 4px;
}

/* ===== 탭 (레거시 호환) ===== */
.tabs {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 24px;
    border-bottom: 2px solid var(--gray-100);
    padding-bottom: 16px;
}

.tab-btn {
    flex: 0 0 calc(33.333% - 6px);
    padding: 10px;
    background: white;
    color: var(--gray-500);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius);
    cursor: pointer;
    font-size: 14px;
    font-weight: 600;
    transition: all 0.2s;
}

.tab-btn:hover {
    color: var(--primary);
    border-color: var(--primary);
}

.tab-btn.active {
    color: white;
    background: var(--primary);
    border-color: var(--primary);
}

/* ===== 반응형 ===== */
@media (max-width: 400px) {
    body {
        padding: 12px;
    }

    .container {
        padding: 20px 16px;
        border-radius: var(--radius-xl);
    }

    h1 {
        font-size: 20px;
    }

    .category-grid {
        grid-template-columns: repeat(3, 1fr);
        gap: 8px;
    }

    .menu-btn {
        padding: 12px 6px;
    }

    .menu-icon {
        width: 36px;
        height: 36px;
        font-size: 18px;
    }

    .menu-title {
        font-size: 11px;
    }

    .method-btn {
        min-width: 90px;
        font-size: 12px;
        padding: 10px 6px;
    }

    .quick-btn {
        padding: 8px 10px;
        font-size: 12px;
    }

    .schedule-table {
        font-size: 11px;
    }

    .schedule-table th,
    .schedule-table td {
        padding: 8px 4px;
    }
}

/* 더 작은 화면 */
@media (max-width: 340px) {
    .category-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

/* 탭 호환성 (단위변환 등) */
.repayment-methods label {
    flex: 1;
    min-width: 0;
    padding: 12px 8px;
    border: 2px solid var(--gray-200);
    background: white;
    border-radius: var(--radius);
    cursor: pointer;
    font-size: 13px;
    font-weight: 500;
    color: var(--gray-600);
    transition: all 0.2s;
    text-align: center;
    display: flex;
    align-items: center;
    justify-content: center;
}

.repayment-methods label:hover {
    border-color: var(--primary);
}

.repayment-methods label.active {
    background: var(--primary);
    color: white;
    border-color: var(--primary);
}

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

/* 푸터 / 광고 영역 */
.ad-container {
    margin-top: 24px;
    padding-top: 16px;
    border-top: 1px solid var(--gray-100);
}