/* 신청 페이지 목적별 템플릿 (기록 24): 보장 분석 · 연금·노후 · 가족·자녀 · 실손·청구 · 설계사 모집
   템플릿마다 '대표 구역' 하나씩: 그 목적의 고객이 가장 알고 싶은 것을 그림으로 보여 준다.
   색은 테마 변수(--brand 계열)만 쓴다. 숫자는 지어내지 않고, 예시는 '예시'라고 쓴다. */

.sig { position: relative; padding: 96px 0; background: var(--paper); overflow: hidden; }
.sig.tint { background: var(--ivory); }
.sig .eyebrow { display: inline-flex; align-items: center; gap: 8px; }
.sig-head { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, .9fr); gap: 40px; align-items: end; margin-bottom: 44px; }
.sig-head .h2 { margin: 0; }
.sig-head .lead { margin: 0; }
@media (max-width: 900px) { .sig-head { grid-template-columns: 1fr; gap: 12px; } .sig { padding: 64px 0; } }
.ex-tag { display: inline-flex; align-items: center; gap: 6px; padding: 3px 10px; border-radius: 999px; background: var(--stone-2); color: var(--slate); font-size: .78rem; font-weight: 800; }
.sig-note { margin: 18px 0 0; font-size: .86rem; color: var(--slate); display: flex; gap: 8px; align-items: flex-start; }
.sig-note i { color: var(--brand); margin-top: 3px; }
.tile-ic { display: inline-grid; place-items: center; flex: 0 0 auto; width: 46px; height: 46px; border-radius: 14px; color: #fff; font-size: 1.35rem;
  background: linear-gradient(145deg, var(--brand) 0%, var(--brand-hover) 60%, var(--brand-deep) 100%); box-shadow: 0 10px 22px -12px var(--brand); }

/* ---------- 보장 분석: 한 장 리포트 (예시) ---------- */
.report1 { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: 0; border-radius: 22px; overflow: hidden; background: #fff; border: var(--hair); box-shadow: 0 30px 70px -40px rgba(10, 18, 38, .45); }
.report1 .l { padding: 32px; background: linear-gradient(160deg, var(--brand-tint), #fff); display: grid; gap: 22px; align-content: start; }
.report1 .l .who { display: flex; align-items: center; gap: 12px; font-weight: 800; }
.report1 .l .who small { display: block; font-weight: 600; color: var(--slate); font-size: .82rem; }
.report1 .l .ex-tag { justify-self: start; }
.report1 .donut-row { display: flex; align-items: center; gap: 22px; }
.report1 .r { padding: 28px 32px; display: grid; gap: 14px; }
.cov-group h4 { display: flex; align-items: center; gap: 8px; margin: 0 0 8px; font-size: .95rem; }
.cov-group h4 .dot { width: 10px; height: 10px; border-radius: 3px; }
.cov-list { display: flex; flex-wrap: wrap; gap: 6px; }
.cov-list span { padding: 6px 12px; border-radius: 8px; font-size: .86rem; font-weight: 700; }
.cov-over .dot { background: #E0A100; } .cov-over span { background: #FFF6DB; color: #8A6100; }
.cov-gap .dot { background: #D9534F; } .cov-gap span { background: #FDECEB; color: #A32A25; border: 1px dashed #F1B2AE; }
.cov-ok .dot { background: #0E9F7E; } .cov-ok span { background: #E6F7F1; color: #0B7A61; }
@media (max-width: 900px) { .report1 { grid-template-columns: 1fr; } }

/* ---------- 연금·노후: 세 층 · 받는 때 ---------- */
.pen { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 28px; align-items: stretch; }
.pen-stack { display: grid; gap: 10px; align-content: end; padding: 28px; border-radius: 22px; background: linear-gradient(180deg, #14110A, #241D10); color: #fff; position: relative; overflow: hidden; }
.pen-stack::before { content: ""; position: absolute; right: -80px; top: -80px; width: 260px; height: 260px; border-radius: 50%; background: radial-gradient(circle, rgba(232, 197, 122, .25), transparent 70%); }
.pen-stack .cap { position: relative; font-weight: 800; color: #E8C57A; font-size: .88rem; margin-bottom: 6px; }
.layer { position: relative; display: grid; grid-template-columns: auto 1fr auto; gap: 14px; align-items: center; padding: 18px 20px; border-radius: 16px; }
.layer b { display: block; font-size: 1.08rem; }
.layer small { display: block; font-size: .82rem; opacity: .85; }
.layer .no { font-size: .74rem; font-weight: 900; letter-spacing: .06em; padding: 3px 9px; border-radius: 999px; background: rgba(255, 255, 255, .16); }
.layer i.ph { font-size: 1.6rem; }
.layer.l3 { margin: 0 12%; background: linear-gradient(95deg, #F0D394, #C8973A); color: #1A1305; }
.layer.l3 .no { background: rgba(26, 19, 5, .14); }
.layer.l2 { margin: 0 6%; background: linear-gradient(95deg, #8A6A1F, #6A5016); }
.layer.l1 { margin: 0; background: linear-gradient(95deg, #3B3222, #2A241A); border: 1px solid rgba(232, 197, 122, .25); }
.pen-side { display: grid; gap: 16px; }
.pen-card { padding: 24px; border-radius: 20px; background: #fff; border: var(--hair); }
.pen-card h3 { display: flex; align-items: center; gap: 10px; margin: 0 0 14px; font-size: 1.05rem; }
.gapbar { display: grid; gap: 10px; }
.gapbar .row { display: grid; grid-template-columns: 6.5em 1fr; gap: 12px; align-items: center; font-size: .86rem; font-weight: 700; color: var(--slate); }
.gapbar .track { display: flex; height: 20px; border-radius: 6px; overflow: hidden; background: var(--stone-2); }
.gapbar .track i { display: block; height: 100%; }
.gapbar .need { background: repeating-linear-gradient(135deg, #D6DCE6 0 6px, #E8ECF2 6px 12px); }
.gapbar .p1 { background: #3B3222; } .gapbar .p2 { background: #8A6A1F; } .gapbar .p3 { background: #D9B064; }
.gapbar .gap { background: repeating-linear-gradient(135deg, #F5C6C2 0 6px, #FCE3E1 6px 12px); }
.gapbar .lg { display: flex; flex-wrap: wrap; gap: 12px; font-size: .78rem; font-weight: 700; color: var(--slate); }
.gapbar .lg span::before { content: ""; display: inline-block; width: 10px; height: 10px; border-radius: 3px; margin-right: 6px; vertical-align: -1px; background: var(--c); }
.ages { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.ages li { display: grid; grid-template-columns: 92px 1fr; gap: 12px; align-items: center; font-size: .9rem; }
.ages b.age { display: grid; place-items: center; height: 40px; white-space: nowrap; font-variant-numeric: tabular-nums; border-radius: 10px; background: var(--brand-tint); color: var(--brand); font-size: .95rem; }
@media (max-width: 900px) { .pen { grid-template-columns: 1fr; } }

/* ---------- 가족·자녀: 가족 보장 지도 (예시) ---------- */
.fam { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; }
.mem { position: relative; padding: 22px 20px 20px; border-radius: 20px; background: #fff; border: var(--hair); box-shadow: 0 20px 40px -32px rgba(10, 18, 38, .45); }
.mem .face { width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center; font-size: 1.7rem; margin-bottom: 12px; color: #fff; }
.mem:nth-child(1) .face { background: linear-gradient(145deg, #6E98FF, #1A4FBA); }
.mem:nth-child(2) .face { background: linear-gradient(145deg, #FF9466, #C24A20); }
.mem:nth-child(3) .face { background: linear-gradient(145deg, #3DD2A8, #0B7A61); }
.mem:nth-child(4) .face { background: linear-gradient(145deg, #EBCB8B, #9A7024); }
.mem h3 { margin: 0 0 2px; font-size: 1.05rem; }
.mem > small { display: block; color: var(--slate); font-size: .8rem; margin-bottom: 12px; }
.mem ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 6px; }
.mem li { display: flex; justify-content: space-between; align-items: center; gap: 8px; padding: 7px 10px; border-radius: 9px; font-size: .84rem; font-weight: 700; }
.mem li em { font-style: normal; font-size: .72rem; font-weight: 800; padding: 1px 7px; border-radius: 999px; }
.mem li.ok { background: #E6F7F1; color: #0B7A61; } .mem li.ok em { background: #fff; }
.mem li.over { background: #FFF6DB; color: #8A6100; } .mem li.over em { background: #fff; }
.mem li.gap { background: #fff; color: #A32A25; border: 1.5px dashed #F1B2AE; } .mem li.gap em { background: #FDECEB; }
.fam-legend { display: flex; flex-wrap: wrap; gap: 16px; margin-top: 18px; font-size: .84rem; font-weight: 700; color: var(--slate); }
.fam-legend span { display: inline-flex; align-items: center; gap: 6px; }
.fam-legend i { width: 12px; height: 12px; border-radius: 4px; }
.kid-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; margin-top: 34px; border-radius: 20px; overflow: hidden; border: var(--hair); background: #fff; }
.kid-steps div { padding: 20px; border-left: var(--hair); }
.kid-steps div:first-child { border-left: 0; }
.kid-steps b { display: flex; align-items: center; gap: 8px; margin-bottom: 6px; }
.kid-steps b i { color: var(--brand); font-size: 1.3rem; }
.kid-steps p { margin: 0; font-size: .88rem; color: var(--slate); }
@media (max-width: 1000px) { .fam { grid-template-columns: 1fr 1fr; } .kid-steps { grid-template-columns: 1fr 1fr; } .kid-steps div:nth-child(3) { border-left: 0; } .kid-steps div:nth-child(n+3) { border-top: var(--hair); } }
@media (max-width: 560px) { .fam, .kid-steps { grid-template-columns: 1fr; } .kid-steps div { border-left: 0 !important; border-top: var(--hair); } .kid-steps div:first-child { border-top: 0; } }

/* ---------- 실손·청구: 세 단계 · 서류 · 3년 ---------- */
.clm { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, .75fr); gap: 24px; }
.clm-steps { display: grid; grid-template-columns: 1fr; gap: 14px; position: relative; }
.clm-steps > div { position: relative; display: grid; grid-template-columns: auto 1fr; column-gap: 18px; align-items: start; padding: 22px 24px; border-radius: 20px; background: #fff; border: var(--hair); }
.clm-steps > div .tile-ic { grid-row: 1 / 4; }
.clm-steps > div + div::before { content: ""; position: absolute; left: 46px; top: -16px; width: 3px; height: 18px; border-radius: 3px; background: var(--brand-line); }
.clm-steps .n { font-size: .76rem; font-weight: 900; color: var(--brand); letter-spacing: .06em; }
.clm-steps h3 { margin: 2px 0 4px; font-size: 1.08rem; }
.clm-steps p { margin: 0; font-size: .9rem; color: var(--slate); }
.clm-docs { padding: 24px; border-radius: 20px; background: var(--brand-deep); color: #fff; }
.clm-docs h3 { margin: 0 0 14px; font-size: 1.05rem; display: flex; align-items: center; gap: 10px; }
.clm-docs ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.clm-docs li { display: flex; gap: 10px; align-items: center; padding: 10px 12px; border-radius: 12px; background: rgba(255, 255, 255, .08); font-weight: 700; font-size: .9rem; }
.clm-docs li i { color: #7DD3FC; font-size: 1.2rem; }
.clm-docs small { display: block; font-weight: 600; font-size: .76rem; color: #B9D7EA; }
.clm-limit { grid-column: 1 / -1; display: flex; gap: 18px; align-items: center; padding: 22px 26px; border-radius: 20px; background: linear-gradient(95deg, var(--brand-tint), #fff); border: 1px solid var(--brand-line); }
.clm-limit b.big { font-size: 2.4rem; letter-spacing: -.04em; color: var(--brand); line-height: 1; }
.clm-limit p { margin: 0; color: var(--slate); }
.clm-limit p strong { color: var(--ink); }
@media (max-width: 900px) { .clm { grid-template-columns: 1fr; } }
@media (max-width: 520px) { .clm-steps > div { padding: 18px; column-gap: 14px; } .clm-steps > div + div::before { left: 40px; } .clm-limit { flex-direction: column; align-items: flex-start; gap: 8px; } }

/* ---------- 설계사 모집: 하루 (예시) · 수수료는 이렇게 ---------- */
.rc { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 24px; }
.day { display: flex; flex-direction: column; padding: 26px; border-radius: 22px; background: #fff; border: var(--hair); }
.day .phase { margin-top: auto; padding-top: 22px; display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; }
.day .phase span { position: relative; padding: 12px 12px 12px 14px; border-radius: 12px; background: var(--brand-tint); font-size: .8rem; color: var(--slate); line-height: 1.4; }
.day .phase b { display: block; color: var(--brand); font-size: .86rem; }
.day .phase span + span::before { content: ""; position: absolute; left: -7px; top: 50%; width: 6px; height: 6px; border-top: 2px solid var(--brand); border-right: 2px solid var(--brand); transform: translateY(-50%) rotate(45deg); }
.day h3, .fee h3 { margin: 0 0 16px; font-size: 1.05rem; display: flex; align-items: center; gap: 10px; }
.day ol { list-style: none; margin: 4px 0 0 6px; padding: 0 0 0 18px; border-left: 3px solid var(--brand-line); display: grid; gap: 14px; }
.day li { position: relative; }
.day li::before { content: ""; position: absolute; left: -26px; top: 6px; width: 13px; height: 13px; border-radius: 50%; background: #fff; border: 3px solid var(--brand); }
.day li b { display: inline-block; min-width: 4.2em; color: var(--brand); font-variant-numeric: tabular-nums; }
.day li span { color: var(--slate); font-size: .92rem; }
.fee { padding: 26px; border-radius: 22px; background: var(--brand-deep); color: #fff; }
.fee .fx { display: grid; gap: 10px; }
.fee .fx div { display: flex; gap: 12px; align-items: flex-start; padding: 14px; border-radius: 14px; background: rgba(255, 255, 255, .08); }
.fee .fx i { font-size: 1.4rem; color: #A7F3D0; }
.fee .fx b { display: block; }
.fee .fx small { color: #C9E7DD; font-size: .84rem; }
.fee .warn { margin: 14px 0 0; padding: 12px 14px; border-radius: 12px; background: rgba(255, 255, 255, .12); font-size: .86rem; font-weight: 700; }
@media (max-width: 900px) { .rc { grid-template-columns: 1fr; } }

/* 템플릿 고르기 (시제품 막대) */
.tplseg { display: inline-flex; align-items: center; gap: 6px; }
.tplseg select { min-height: 26px; padding: 0 6px; border-radius: 6px; border: 1px solid #D5DBE5; background: #fff; font: 700 .76rem var(--font); color: var(--ink); }

/* 움직임 (motion 켜졌을 때만): 화면에 들어오면 층이 아래부터 쌓이고, 막대가 차오르고, 도넛이 그려진다 */
.motion .sig .pen-stack .layer { animation: tpl-rise .8s var(--ease) both; }
.motion .sig .pen-stack .l1 { animation-delay: calc(var(--rd, 0ms) + .15s); }
.motion .sig .pen-stack .l2 { animation-delay: calc(var(--rd, 0ms) + .35s); }
.motion .sig .pen-stack .l3 { animation-delay: calc(var(--rd, 0ms) + .55s); }
@keyframes tpl-rise { from { opacity: 0; transform: translateY(26px) scale(.97); } }
.motion .sig .gapbar .track i { transform-origin: left center; animation: tpl-grow .9s var(--ease) both; }
.motion .sig .gapbar .track i:nth-child(1) { animation-delay: calc(var(--rd, 0ms) + .3s); }
.motion .sig .gapbar .track i:nth-child(2) { animation-delay: calc(var(--rd, 0ms) + .55s); }
.motion .sig .gapbar .track i:nth-child(3) { animation-delay: calc(var(--rd, 0ms) + .8s); }
.motion .sig .gapbar .track i:nth-child(4) { animation-delay: calc(var(--rd, 0ms) + 1.05s); }
@keyframes tpl-grow { from { transform: scaleX(0); } }
.motion .sig .clm-limit b.big { animation: tpl-pop .7s var(--ease) calc(var(--rd, 0ms) + .2s) both; }
@keyframes tpl-pop { from { opacity: 0; transform: scale(.6); } }
/* 화면에 들어오기 전에는 멈춰 둠 */
.motion .sig .rv:not(.is-in) .layer, .motion .sig .rv:not(.is-in) .gapbar .track i, .motion .sig .rv:not(.is-in) .donut .seg,
.motion .sig .rv:not(.is-in) b.big, .motion .sig .rv:not(.is-in).clm-limit b.big { animation-play-state: paused; }
@media (max-width: 560px) {
  .pen-stack { padding: 22px 16px; }
  .layer { padding: 14px 14px; gap: 10px; }
  .layer.l3 { margin: 0 6%; } .layer.l2 { margin: 0 3%; }
}

/* 기업 · 대표님 (기록 38): 회사 위험 점검표 네 칸 + 하지 않는 것 */
.corp { display: grid; grid-template-columns: minmax(0, 1.35fr) minmax(0, .65fr); gap: 24px; align-items: start; }
.corp-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.corp-grid > div { padding: 22px 24px; border-radius: 20px; background: #fff; border: var(--hair); }
.corp-grid h3 { margin: 14px 0 6px; font-size: 1.08rem; }
.corp-grid p { margin: 0; font-size: .92rem; color: var(--slate); }
.corp-not { padding: 24px; border-radius: 20px; background: var(--brand-deep); color: #fff; }
.corp-not h3 { margin: 0 0 14px; font-size: 1.05rem; display: flex; align-items: center; gap: 10px; }
.corp-not h3 i { color: #FCA5A5; }
.corp-not ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.corp-not li { display: flex; gap: 10px; align-items: flex-start; padding: 10px 12px; border-radius: 12px; background: rgba(255, 255, 255, .08); font-weight: 700; font-size: .92rem; }
.corp-not li i { color: #FCA5A5; font-size: 1.1rem; margin-top: 2px; }
.corp-not small { display: block; font-weight: 600; font-size: .78rem; color: #B9C7E6; }
@media (max-width: 960px) { .corp { grid-template-columns: 1fr; } }
@media (max-width: 560px) { .corp-grid { grid-template-columns: 1fr; } }