/*
Theme Name: hwsaengloan
Theme URI: https://hwsaengloan.rand3.com/
Author: hwsaengloan
Author URI: https://hwsaengloan.rand3.com/
Description: 개인회생 인가 후 대출 정보 검색 플랫폼 전용 고급 커스텀 테마. 딥블루·청록 디자인 시스템 기반.
Version: 1.0.2
Requires at least: 6.0
Tested up to: 7.0
Requires PHP: 7.4
License: GNU General Public License v2 or later
Text Domain: hwsaengloan
*/

/* ============ DESIGN TOKENS ============ */
:root{
  --c-primary:#0F3D6E;
  --c-primary-dark:#0A2B4E;
  --c-primary-soft:#EAF1F9;
  --c-accent:#1F9D8C;
  --c-accent-dark:#14796C;
  --c-accent-soft:#E5F4F1;
  --c-warn:#E0A82E;
  --c-warn-soft:#FBF3E0;
  --c-ink:#1B2735;
  --c-body:#46525F;
  --c-muted:#7B8794;
  --c-line:#E5EAF1;
  --c-bg:#FFFFFF;
  --c-bg-soft:#F7F9FC;
  --c-danger:#B3432F;
  --radius-s:8px;
  --radius-m:14px;
  --radius-l:22px;
  --radius-xl:30px;
  --shadow-s:0 1px 3px rgba(15,61,110,.08);
  --shadow-m:0 10px 30px rgba(15,61,110,.10);
  --shadow-l:0 24px 60px rgba(15,61,110,.14);
  --space-1:4px; --space-2:8px; --space-3:12px; --space-4:16px;
  --space-5:24px; --space-6:32px; --space-7:48px; --space-8:64px; --space-9:96px; --space-10:120px;
  --font-body:'Pretendard Variable',Pretendard,-apple-system,BlinkMacSystemFont,'Apple SD Gothic Neo','Malgun Gothic','Segoe UI',sans-serif;
  --font-display:'Noto Serif KR','Pretendard Variable',Pretendard,'Apple SD Gothic Neo','Malgun Gothic',serif;
  --container:1200px;
  --content-max:760px;
  --header-h:72px;
  --ease:cubic-bezier(.4,0,.2,1);
  --dur:220ms;
}

/* ============ RESET / BASE ============ */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:var(--font-body);
  font-size:17px;
  line-height:1.75;
  color:var(--c-body);
  background:var(--c-bg);
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--c-primary);text-decoration:none;transition:color var(--dur) var(--ease)}
a:hover{color:var(--c-accent)}
h1,h2,h3,h4,h5,h6{font-family:var(--font-display);color:var(--c-ink);line-height:1.35;font-weight:700;letter-spacing:-.01em}
p{margin:0 0 1.1em}
ul,ol{margin:0 0 1.2em;padding-left:1.4em}
li{margin-bottom:.45em}
:focus-visible{outline:3px solid rgba(31,157,140,.55);outline-offset:2px;border-radius:4px}
::selection{background:rgba(31,157,140,.22)}

.wrap{max-width:var(--container);margin:0 auto;padding:0 var(--space-5)}
.skip-link{position:absolute;left:-9999px;top:0;z-index:200;background:var(--c-primary);color:#fff;padding:12px 20px;border-radius:0 0 10px 0}
.skip-link:focus{left:0}

/* ============ HEADER ============ */
.site-header{
  position:sticky;top:0;z-index:100;
  background:rgba(255,255,255,.92);
  backdrop-filter:blur(14px);
  -webkit-backdrop-filter:blur(14px);
  border-bottom:1px solid var(--c-line);
}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:var(--header-h);gap:var(--space-4)}
.brand{display:flex;align-items:center;gap:12px;min-width:0;min-height:44px;padding:2px 0}
.brand-mark{width:42px;height:42px;border-radius:13px;background:var(--c-primary);display:grid;place-items:center;flex:0 0 auto;box-shadow:var(--shadow-s)}
.brand-mark img{width:42px;height:42px;border-radius:13px}
.brand-name{font-family:var(--font-display);font-weight:700;font-size:1.12rem;color:var(--c-primary-dark);letter-spacing:-.01em;white-space:nowrap}
.brand-sub{display:block;font-family:var(--font-body);font-size:.72rem;font-weight:500;color:var(--c-muted);letter-spacing:.02em;white-space:nowrap}
.main-nav{display:flex;align-items:center;gap:4px}
.main-nav a{display:inline-flex;align-items:center;justify-content:center;gap:6px;padding:10px 14px;border-radius:999px;font-size:.95rem;font-weight:600;color:var(--c-body);white-space:nowrap;min-height:44px}
.main-nav a:hover{color:var(--c-primary);background:var(--c-bg-soft)}
.main-nav .nav-cta{background:var(--c-primary);color:#fff;padding:10px 18px;border-radius:999px;box-shadow:var(--shadow-s)}
.main-nav .nav-cta:hover{background:var(--c-primary-dark);color:#fff}
.nav-toggle{display:none;width:46px;height:46px;border:1px solid var(--c-line);border-radius:12px;background:var(--c-bg);cursor:pointer;place-items:center}
.nav-toggle span,.nav-toggle span::before,.nav-toggle span::after{content:"";display:block;width:20px;height:2px;background:var(--c-ink);border-radius:2px;position:relative;transition:transform var(--dur) var(--ease)}
.nav-toggle span::before{position:absolute;top:-6px}
.nav-toggle span::after{position:absolute;top:6px}
.nav-toggle[aria-expanded="true"] span{background:transparent}
.nav-toggle[aria-expanded="true"] span::before{transform:translateY(6px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span::after{transform:translateY(-6px) rotate(-45deg)}

/* ============ BUTTONS ============ */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 26px;border-radius:999px;font-weight:700;font-size:.98rem;border:1px solid transparent;cursor:pointer;transition:all var(--dur) var(--ease);min-height:48px}
.btn-primary{background:var(--c-primary);color:#fff;box-shadow:var(--shadow-s)}
.btn-primary:hover{background:var(--c-primary-dark);color:#fff;transform:translateY(-2px);box-shadow:var(--shadow-m)}
.btn-accent{background:var(--c-accent);color:#fff;box-shadow:var(--shadow-s)}
.btn-accent:hover{background:var(--c-accent-dark);color:#fff;transform:translateY(-2px);box-shadow:var(--shadow-m)}
.btn-ghost{background:transparent;color:var(--c-primary);border-color:var(--c-line)}
.btn-ghost:hover{border-color:var(--c-primary);background:var(--c-primary-soft)}
.btn-light{background:#fff;color:var(--c-primary)}
.btn-light:hover{background:var(--c-bg-soft);color:var(--c-primary);transform:translateY(-2px);box-shadow:var(--shadow-m)}

/* ============ PAGE HERO (single/page) ============ */
.page-hero{background:linear-gradient(135deg,var(--c-primary) 0%,var(--c-primary-dark) 100%);color:#fff;padding:var(--space-8) 0 var(--space-7);position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-120px;top:-120px;width:360px;height:360px;border-radius:50%;background:radial-gradient(circle,rgba(31,157,140,.45),transparent 65%)}
.page-hero .wrap{position:relative;z-index:1}
.page-hero .kicker{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);color:#CFE8E4;font-size:.82rem;font-weight:700;padding:7px 14px;border-radius:999px;margin-bottom:18px;letter-spacing:.04em}
.page-hero h1{color:#fff;font-size:clamp(1.9rem,4.2vw,3rem);line-height:1.28;margin-bottom:14px;word-break:keep-all}
.page-hero .page-hero-desc{color:rgba(255,255,255,.82);max-width:680px;font-size:1.05rem;word-break:keep-all}
.page-hero .page-meta{display:flex;flex-wrap:wrap;gap:10px 18px;margin-top:20px;color:rgba(255,255,255,.75);font-size:.88rem}
.page-hero .page-meta span{display:inline-flex;align-items:center;gap:6px}

/* ============ ARTICLE ============ */
.single-main{padding:var(--space-8) 0 var(--space-9)}
.article-shell{max-width:var(--content-max);margin:0 auto}
.article-body{font-size:1.02rem;line-height:1.85;color:var(--c-body)}
.article-body h2{
  font-size:1.55rem;margin:2.2em 0 .9em;padding-top:.4em;position:relative;
  color:var(--c-primary-dark);line-height:1.4;word-break:keep-all;
}
.article-body h2::before{content:"";display:block;width:34px;height:5px;border-radius:4px;background:var(--c-accent);margin-bottom:16px}
.article-body h3{font-size:1.2rem;margin:1.8em 0 .7em;color:var(--c-ink)}
.article-body h4{font-size:1.05rem;margin:1.4em 0 .6em}
.article-body a{text-decoration:underline;text-underline-offset:3px;text-decoration-color:rgba(31,157,140,.5)}
.article-body ul li,.article-body ol li{margin-bottom:.55em}
.article-body strong{color:var(--c-ink);font-weight:700}

/* summary box */
.summary-box{
  background:linear-gradient(160deg,var(--c-primary-soft),#F2F7FC);
  border:1px solid #DCE7F3;
  border-radius:var(--radius-l);
  padding:var(--space-5) var(--space-6);
  margin:0 0 1.6em;
  position:relative;
}
.summary-box::before{content:"핵심 요약";display:inline-block;font-size:.76rem;font-weight:800;letter-spacing:.06em;color:var(--c-primary);background:var(--c-accent-soft);border:1px solid #BFE3DC;padding:4px 12px;border-radius:999px;margin-bottom:12px}
.summary-box p{margin:0;color:var(--c-ink);font-size:.98rem;line-height:1.8;word-break:keep-all}

/* toc */
.toc-box{
  background:var(--c-bg-soft);border:1px solid var(--c-line);border-radius:var(--radius-m);
  padding:var(--space-5) var(--space-5) var(--space-4);margin:0 0 1.8em;font-size:.95rem;
}
.toc-box strong{display:block;color:var(--c-primary-dark);margin-bottom:10px;font-family:var(--font-display)}
.toc-box ol{list-style:none;counter-reset:toc;margin:0;padding:0;display:grid;gap:8px}
.toc-box li{counter-increment:toc;margin:0}
.toc-box li a{display:flex;gap:10px;align-items:baseline;color:var(--c-body);padding:7px 10px;border-radius:10px}
.toc-box li a::before{content:counter(toc);font-weight:800;color:var(--c-accent);font-size:.82rem;min-width:20px}
.toc-box li a:hover{background:#fff;color:var(--c-primary);box-shadow:var(--shadow-s)}

/* tables */
.article-body table{width:100%;border-collapse:separate;border-spacing:0;margin:1.6em 0;font-size:.93rem;line-height:1.6;overflow:hidden;border:1px solid var(--c-line);border-radius:var(--radius-m);background:#fff}
.article-body thead th{background:var(--c-primary);color:#fff;text-align:left;padding:13px 16px;font-weight:700;font-size:.9rem;letter-spacing:.01em}
.article-body tbody td{padding:13px 16px;border-top:1px solid var(--c-line);vertical-align:top;word-break:keep-all}
.article-body tbody tr:nth-child(even){background:var(--c-bg-soft)}
.article-body tbody tr:hover{background:var(--c-primary-soft)}

/* blockquote/callout */
.article-body blockquote.callout{
  margin:1.8em 0;padding:18px 22px;border-radius:0 var(--radius-m) var(--radius-m) 0;
  background:var(--c-warn-soft);border-left:5px solid var(--c-warn);font-size:.96rem;
}
.article-body blockquote.callout p{margin:0;color:#5A4A1F;word-break:keep-all}
.article-body blockquote.callout::before{content:"확인 포인트";display:block;font-size:.76rem;font-weight:800;letter-spacing:.05em;color:#9A7420;margin-bottom:6px}

/* images */
.article-body figure{margin:1.8em 0}
.article-body figure img{border-radius:var(--radius-l);box-shadow:var(--shadow-m);width:100%}
.article-body figcaption{font-size:.84rem;color:var(--c-muted);text-align:center;margin-top:10px}

/* timeline */
.timeline{position:relative;margin:2em 0 1em;padding-left:26px}
.timeline::before{content:"";position:absolute;left:7px;top:6px;bottom:6px;width:2px;background:linear-gradient(var(--c-accent),#BFE3DC)}
.tl-item{position:relative;margin-bottom:18px}
.tl-dot{position:absolute;left:-26px;top:20px;width:16px;height:16px;border-radius:50%;background:var(--c-accent);border:3px solid #fff;box-shadow:0 0 0 2px var(--c-accent)}
.tl-card{background:var(--c-bg-soft);border:1px solid var(--c-line);border-radius:var(--radius-m);padding:16px 18px}
.tl-card h4{font-family:var(--font-body);font-size:.98rem;color:var(--c-primary-dark);margin:0 0 6px;display:flex;align-items:center;gap:8px}
.tl-card p{margin:0;font-size:.93rem;color:var(--c-body)}

/* bar chart */
.bar-chart{margin:1.8em 0;display:grid;gap:14px;background:var(--c-bg-soft);border:1px solid var(--c-line);border-radius:var(--radius-m);padding:20px}
.bar-row{display:grid;grid-template-columns:150px 1fr 110px;align-items:center;gap:12px;font-size:.9rem}
.bar-label{color:var(--c-ink);font-weight:600}
.bar-track{background:#E5EAF1;border-radius:999px;height:18px;overflow:hidden}
.bar-fill{height:100%;border-radius:999px;background:linear-gradient(90deg,var(--c-accent),#4FC3B2);transition:width 1s var(--ease)}
.bar-fill.warn{background:linear-gradient(90deg,var(--c-warn),#EDC168)}
.bar-val{color:var(--c-muted);text-align:right}

/* gauge */
.gauge-row{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:14px;margin:1.6em 0;background:#fff;border:1px solid var(--c-line);border-radius:var(--radius-m);padding:16px 18px}
.gauge-label{font-size:.9rem;font-weight:700;color:var(--c-ink)}
.gauge{background:var(--c-bg-soft);border-radius:999px;height:16px;overflow:hidden;border:1px solid var(--c-line)}
.gauge-fill{height:100%;border-radius:999px;background:linear-gradient(90deg,var(--c-accent),#4FC3B2)}
.gauge-fill.warn{background:linear-gradient(90deg,#EDC168,var(--c-warn))}
.gauge-val{font-size:.88rem;font-weight:700;color:var(--c-primary)}

/* checklist */
.checklist{margin:1.6em 0;display:grid;gap:8px}
.checklist label{display:flex;align-items:flex-start;gap:12px;background:var(--c-bg-soft);border:1px solid var(--c-line);border-radius:12px;padding:12px 14px;cursor:default;font-size:.95rem;color:var(--c-ink)}
.checklist input{width:20px;height:20px;accent-color:var(--c-accent);margin-top:3px;flex:0 0 auto}

/* structure diagram */
.structure-diagram{display:flex;flex-wrap:wrap;align-items:stretch;gap:10px;margin:1.8em 0;background:var(--c-bg-soft);border:1px solid var(--c-line);border-radius:var(--radius-l);padding:22px}
.sd-item{flex:1 1 160px;background:#fff;border:1px solid var(--c-line);border-radius:var(--radius-m);padding:16px;text-align:center;box-shadow:var(--shadow-s)}
.sd-item strong{display:block;color:var(--c-primary-dark);font-family:var(--font-display);margin-bottom:4px}
.sd-item span{font-size:.84rem;color:var(--c-muted)}
.sd-arrow{align-self:center;color:var(--c-accent);font-weight:800;font-size:1.2rem}

/* faq */
.faq{margin:1.8em 0;display:grid;gap:10px}
.faq details{background:#fff;border:1px solid var(--c-line);border-radius:var(--radius-m);overflow:hidden;transition:border-color var(--dur) var(--ease)}
.faq details[open]{border-color:#BFE3DC;box-shadow:var(--shadow-s)}
.faq summary{cursor:pointer;padding:16px 48px 16px 18px;font-weight:700;color:var(--c-ink);position:relative;font-size:.98rem;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);font-size:1.3rem;color:var(--c-accent);font-weight:600;transition:transform var(--dur) var(--ease)}
.faq details[open] summary::after{transform:translateY(-50%) rotate(45deg)}
.faq details p{padding:0 18px 16px;margin:0;font-size:.94rem;color:var(--c-body)}

/* legal & ai notice */
.legal-notice{margin-top:2.4em}
.ai-notice{margin-top:1.2em;text-align:right}

/* ============ CARDS / GRID ============ */
.card{
  background:#fff;border:1px solid var(--c-line);border-radius:var(--radius-l);overflow:hidden;
  transition:transform var(--dur) var(--ease),box-shadow var(--dur) var(--ease);
  display:flex;flex-direction:column;
}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-m)}
.card-media{aspect-ratio:16/10;overflow:hidden;background:var(--c-bg-soft)}
.card-media img{width:100%;height:100%;object-fit:cover;transition:transform .5s var(--ease)}
.card:hover .card-media img{transform:scale(1.05)}
.card-body{padding:20px 22px 22px;display:flex;flex-direction:column;gap:10px;flex:1}
.card-cat{font-size:.76rem;font-weight:800;letter-spacing:.04em;color:var(--c-accent)}
.card-title{font-family:var(--font-display);font-size:1.08rem;line-height:1.45;color:var(--c-ink)}
.card-title a{color:inherit;display:inline-flex;align-items:center;min-height:44px;padding:2px 0}
.card-title a:hover{color:var(--c-primary)}
.card-excerpt{font-size:.9rem;color:var(--c-muted);display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
.card-meta{font-size:.82rem;color:var(--c-muted);display:flex;gap:10px;margin-top:auto}

.grid{display:grid;gap:24px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}

.section-head{display:flex;align-items:flex-end;justify-content:space-between;gap:16px;margin-bottom:var(--space-6);flex-wrap:wrap}
.section-head h2{font-size:clamp(1.5rem,3vw,2.1rem);color:var(--c-primary-dark);margin:0;letter-spacing:-.01em}
.section-head .sec-kicker{display:block;font-family:var(--font-body);font-size:.8rem;font-weight:800;letter-spacing:.08em;color:var(--c-accent);margin-bottom:8px}
.section-head .sec-desc{color:var(--c-muted);max-width:560px;font-size:.98rem}
.section-head .sec-link{font-weight:700;font-size:.92rem;display:inline-flex;align-items:center;gap:6px}

/* ============ FOOTER ============ */
.site-footer{background:var(--c-primary-dark);color:rgba(255,255,255,.78);margin-top:0}
.footer-top{padding:var(--space-8) 0 var(--space-7)}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:var(--space-7)}
.footer-brand{display:flex;align-items:center;gap:12px;margin-bottom:16px}
.footer-brand img{width:44px;height:44px;border-radius:13px}
.footer-brand strong{font-family:var(--font-display);color:#fff;font-size:1.15rem}
.footer-desc{font-size:.92rem;line-height:1.8;word-break:keep-all}
.footer-col h4{color:#fff;font-size:.95rem;margin-bottom:16px;font-family:var(--font-body);letter-spacing:.02em}
.footer-col ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.footer-col a{color:rgba(255,255,255,.74);font-size:.92rem;display:inline-flex;align-items:center;min-height:44px;padding:7px 4px;margin-left:-4px;line-height:1.5}
.footer-col a:hover{color:#fff}
@media (max-width:860px){.footer-col a{padding:11px 4px}}
.footer-legal{
  border-top:1px solid rgba(255,255,255,.12);
  padding:var(--space-5) 0;
  font-size:.8rem;line-height:1.75;color:rgba(255,255,255,.6);
}
.footer-legal p{margin:0 0 .4em}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding:20px 0;font-size:.8rem;color:rgba(255,255,255,.5);display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.footer-bottom a{color:rgba(255,255,255,.68)}
.footer-bottom a:hover{color:#fff}

/* ============ ARCHIVE / LIST ============ */
.archive-head{background:linear-gradient(135deg,var(--c-primary),var(--c-primary-dark));color:#fff;padding:var(--space-7) 0 var(--space-6)}
.archive-head h1{color:#fff;font-size:clamp(1.8rem,4vw,2.6rem);margin-bottom:8px;word-break:keep-all}
.archive-head p{color:rgba(255,255,255,.8)}
.archive-main{padding:var(--space-8) 0 var(--space-9)}
.pagination{display:flex;gap:8px;justify-content:center;margin-top:var(--space-7)}
.pagination .page-numbers{padding:10px 16px;border:1px solid var(--c-line);border-radius:10px;font-weight:600;min-width:44px;text-align:center}
.pagination .page-numbers.current{background:var(--c-primary);color:#fff;border-color:var(--c-primary)}

/* ============ RELATED POSTS ============ */
.related{padding:var(--space-8) 0;background:var(--c-bg-soft)}
.related-inner{max-width:var(--container);margin:0 auto;padding:0 var(--space-5)}
.related h2{color:var(--c-primary-dark);margin-bottom:var(--space-5);font-size:1.5rem}

/* ============ RESPONSIVE ============ */
@media (max-width:1024px){
  .grid-3{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:860px){
  body{font-size:16px}
  .nav-toggle{display:grid}
  .main-nav{
    position:fixed;inset:var(--header-h) 0 auto 0;background:#fff;flex-direction:column;align-items:stretch;
    padding:var(--space-4) var(--space-5) var(--space-6);gap:4px;border-bottom:1px solid var(--c-line);
    box-shadow:var(--shadow-m);transform:translateY(-16px);opacity:0;pointer-events:none;transition:all var(--dur) var(--ease);
  }
  .main-nav.open{transform:translateY(0);opacity:1;pointer-events:auto}
  .main-nav a{padding:14px 12px;border-radius:12px;font-size:1rem}
  .footer-grid{grid-template-columns:1fr;gap:var(--space-6)}
  .section-head{align-items:flex-start;flex-direction:column}
  .page-hero{padding:var(--space-6) 0 var(--space-6)}
}
@media (max-width:640px){
  .grid-3,.grid-2{grid-template-columns:1fr}
  .bar-row{grid-template-columns:1fr;gap:6px}
  .bar-val{text-align:left}
  .gauge-row{grid-template-columns:1fr;gap:8px}
  .brand-sub{display:none}
  .article-body table{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch}
  .structure-diagram{flex-direction:column}
  .sd-arrow{transform:rotate(90deg);align-self:center}
  .footer-bottom{flex-direction:column}
}

/* ============ MOTION ============ */
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}
}
.reveal{opacity:0;transform:translateY(24px);transition:opacity .6s var(--ease),transform .6s var(--ease)}
.reveal.in{opacity:1;transform:none}