/* ARBITORIA — savings.css
 * Plan: ARBITORIA/savings/SAVINGS_PLAN.md
 * 페이지: mindset.html (마인드셋 7섹션) + etf.html (ETF A-Z 8섹션)
 *
 * 격리 (memory: feedback_css_component_isolation):
 *   - savings-* prefix
 *   - tokens.css 상속 (재선언 ❌)
 *   - charge-* / housing-* 와 충돌 ❌
 */

.savings-hero .wrap,
.savings-etf-hero .wrap,
.savings-5axis .wrap,
.savings-choice-hero .wrap {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ===== Hero (mindset.html S1) ===== */
.savings-hero {
  padding: clamp(48px, 7vw, 96px) 0 32px;
  background: linear-gradient(180deg, rgba(16, 185, 129, .08), transparent 70%);
}
.savings-hero .eyebrow {
  font-size: 0.85rem;
  opacity: 0.7;
  margin-bottom: 12px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}
.savings-hero-statement {
  font-size: clamp(1.6rem, 4.5vw, 2.6rem);
  line-height: 1.25;
  margin: 0 0 16px;
  font-weight: 700;
  letter-spacing: -0.02em;
}
.savings-hero-statement em {
  font-style: italic;
  color: rgb(160, 230, 200);
  font-weight: 500;
}
.savings-hero-sub {
  font-size: clamp(1rem, 2vw, 1.15rem);
  opacity: 0.85;
  margin: 0 0 24px;
  max-width: 56ch;
}
.savings-hero-cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 8px;
}
.savings-hero-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: 999px;
  font-size: 1rem;
  font-weight: 600;
  text-decoration: none;
  transition: transform 0.15s ease, background 0.15s ease, box-shadow 0.15s ease;
  font-family: inherit;
  cursor: pointer;
  border: 0;
}
.savings-hero-cta-primary {
  background: linear-gradient(135deg, rgb(16, 185, 129), rgb(34, 211, 238));
  color: rgb(8, 8, 12);
  box-shadow: 0 4px 16px rgba(16, 185, 129, 0.35);
  font-weight: 700;
}
.savings-hero-cta-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 22px rgba(16, 185, 129, 0.50);
}
.savings-hero-cta-secondary {
  background: rgba(255, 255, 255, 0.06);
  color: inherit;
  border: 1px solid rgba(255, 255, 255, 0.15);
}
.savings-hero-cta-secondary:hover {
  background: rgba(255, 255, 255, 0.10);
  border-color: rgba(255, 255, 255, 0.30);
}

/* ===== Section heads ===== */
.savings-section-head h2 {
  font-size: clamp(1.3rem, 3vw, 1.8rem);
  margin: 0 0 6px;
}
.savings-section-head .lede {
  font-size: 0.95rem;
  opacity: 0.85;
  margin: 0 0 12px;
}

/* ===== Cite cards (인용 출처 의무) ===== */
.savings-cite {
  display: flex;
  flex-direction: column;
  gap: 6px;
  padding: 18px 20px;
  background: rgba(255, 255, 255, 0.04);
  border-left: 3px solid rgba(16, 185, 129, 0.5);
  border-radius: 0 12px 12px 0;
  margin: 12px 0;
}
.savings-cite-quote {
  font-size: 1.02rem;
  line-height: 1.55;
  margin: 0;
  font-style: italic;
}
.savings-cite-author {
  font-weight: 600;
  font-size: 0.92rem;
  color: rgb(180, 230, 200);
}
.savings-cite-source {
  font-size: 0.8rem;
  opacity: 0.7;
}
.savings-cite-warning {
  font-size: 0.82rem;
  opacity: 0.75;
  background: rgba(255, 200, 100, 0.08);
  padding: 8px 12px;
  border-radius: 8px;
  margin-top: 6px;
  border-left: 2px solid rgba(255, 200, 100, 0.5);
}

/* ===== Atomic (S2) ===== */
.savings-atomic { padding: 32px 0; border-top: 1px solid rgba(255, 255, 255, 0.06); }

/* ===== Habit loop (S3) ===== */
.savings-habit-loop {
  padding: 32px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
}
.savings-loop-diagram {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 20px 0;
}
@media (max-width: 600px) {
  .savings-loop-diagram { grid-template-columns: 1fr; }
}
.savings-loop-node {
  padding: 18px;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 14px;
  text-align: center;
  position: relative;
}
.savings-loop-node-icon {
  font-size: 2rem;
  display: block;
  margin-bottom: 8px;
}
.savings-loop-node-title {
  font-size: 1.05rem;
  font-weight: 600;
  margin: 0 0 6px;
}
.savings-loop-node-body {
  font-size: 0.88rem;
  opacity: 0.85;
  margin: 0;
}
.savings-loop-node + .savings-loop-node::before {
  content: "→";
  position: absolute;
  left: -22px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1.4rem;
  opacity: 0.5;
}
@media (max-width: 600px) {
  .savings-loop-node + .savings-loop-node::before { display: none; }
}

/* ===== Pain = Growth (S4) — 부드럽게 + 면책 ===== */
.savings-pain {
  padding: 32px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  background: linear-gradient(180deg, transparent, rgba(120, 80, 180, 0.04) 60%);
}
.savings-pain-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin: 16px 0;
}
@media (max-width: 720px) {
  .savings-pain-grid { grid-template-columns: 1fr; }
}
.savings-pain-disclaimer {
  margin-top: 16px;
  padding: 14px 18px;
  background: rgba(255, 200, 100, 0.06);
  border-left: 3px solid rgba(255, 200, 100, 0.4);
  border-radius: 0 12px 12px 0;
  font-size: 0.92rem;
  line-height: 1.6;
}
.savings-pain-disclaimer strong { color: rgb(240, 210, 130); }

/* ===== 4 Steps (S5) ===== */
.savings-4steps {
  padding: 32px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
}
.savings-4steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 14px;
  margin-top: 16px;
}
.savings-4step-card {
  padding: 18px;
  background: rgba(255, 255, 255, 0.04);
  border-radius: 14px;
  border: 1px solid rgba(255, 255, 255, 0.06);
  position: relative;
}
.savings-4step-num {
  position: absolute;
  top: 14px;
  right: 18px;
  font-size: 2rem;
  font-weight: 800;
  opacity: 0.15;
  font-family: var(--display, system-ui);
}
.savings-4step-title {
  margin: 0 0 6px;
  font-size: 1rem;
}
.savings-4step-body {
  margin: 0;
  font-size: 0.88rem;
  opacity: 0.85;
  line-height: 1.55;
}

/* ===== 30-Day Simulator (S6) ===== */
.savings-30day {
  padding: 32px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
}
.savings-sim-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 14px;
  margin-top: 12px;
}
.savings-sim-field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.savings-sim-field label {
  font-size: 0.85rem;
  opacity: 0.85;
}
.savings-sim-field input[type="number"] {
  padding: 10px 12px;
  background: rgba(0, 0, 0, 0.25);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 8px;
  color: inherit;
  font-size: 1rem;
  font-variant-numeric: tabular-nums;
}
.savings-sim-field input[type="range"] {
  width: 100%;
  accent-color: rgb(16, 185, 129);
}
.savings-period-toggle {
  display: inline-flex;
  flex-wrap: wrap;
  gap: 6px;
}
.savings-period-btn {
  padding: 8px 14px;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.10);
  border-radius: 999px;
  color: inherit;
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  font-family: inherit;
  transition: background 0.15s ease, border-color 0.15s ease;
}
.savings-period-btn:hover { background: rgba(255, 255, 255, 0.08); }
.savings-period-btn.is-active {
  background: rgba(16, 185, 129, 0.18);
  border-color: rgba(16, 185, 129, 0.50);
  color: rgb(160, 230, 200);
}

/* Output cards */
.savings-output-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 14px;
  margin-top: 16px;
}
.savings-output-card {
  padding: 16px;
  background: rgba(255, 255, 255, 0.04);
  border-radius: 12px;
  border: 1px solid rgba(255, 255, 255, 0.06);
}
.savings-output-label {
  font-size: 0.85rem;
  opacity: 0.75;
  margin: 0 0 6px;
}
.savings-output-value {
  font-size: 1.5rem;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
  color: rgb(160, 230, 200);
}
.savings-output-sub { font-size: 0.82rem; opacity: 0.7; margin: 4px 0 0; }

/* ETF 3-line bar chart */
.savings-line-chart {
  position: relative;
  height: 220px;
  margin: 16px 0 8px;
  padding: 16px 12px;
  background: rgba(0, 0, 0, 0.25);
  border-radius: 12px;
  border: 1px solid rgba(255, 255, 255, 0.06);
}
.savings-line-bars {
  position: relative;
  height: 100%;
  display: flex;
  align-items: flex-end;
  gap: 4px;
}
.savings-line-bar-group {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 2px;
  height: 100%;
  justify-content: flex-end;
}
.savings-line-bar {
  width: 100%;
  border-radius: 3px 3px 0 0;
  transition: height 0.4s ease;
}
.savings-line-bar.scenario-cons { background: rgb(34, 211, 238); }
.savings-line-bar.scenario-std  { background: rgb(16, 185, 129); }
.savings-line-bar.scenario-aggr { background: rgb(255, 217, 61); }
.savings-line-x-label { font-size: 0.7rem; opacity: 0.6; margin-top: 4px; }
.savings-line-legend {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 10px;
  font-size: 0.85rem;
}
.savings-line-legend span { display: inline-flex; align-items: center; gap: 6px; }
.savings-line-legend .swatch { width: 12px; height: 12px; border-radius: 3px; }

/* 30-day tracker */
.savings-tracker {
  margin-top: 24px;
  padding: 18px;
  background: rgba(255, 255, 255, 0.04);
  border-radius: 14px;
  border: 1px solid rgba(255, 255, 255, 0.08);
}
.savings-tracker-head {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 12px;
}
.savings-tracker-head h4 { margin: 0; font-size: 1.05rem; }
.savings-tracker-progress {
  font-size: 0.92rem;
  font-weight: 600;
  color: rgb(160, 230, 200);
  font-variant-numeric: tabular-nums;
}
.savings-tracker-grid {
  display: grid;
  grid-template-columns: repeat(15, 1fr);
  gap: 4px;
}
@media (max-width: 480px) {
  .savings-tracker-grid { grid-template-columns: repeat(10, 1fr); }
}
.savings-tracker-day {
  aspect-ratio: 1;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 4px;
  cursor: pointer;
  font-size: 0.7rem;
  display: flex;
  align-items: center;
  justify-content: center;
  color: inherit;
  font-family: inherit;
  transition: background 0.1s ease;
  padding: 0;
}
.savings-tracker-day:hover { background: rgba(255, 255, 255, 0.10); }
.savings-tracker-day.is-checked {
  background: linear-gradient(135deg, rgb(16, 185, 129), rgb(34, 211, 238));
  border-color: rgb(16, 185, 129);
  color: rgb(8, 8, 12);
  font-weight: 700;
}

/* ===== Bridge to ETF (S7) ===== */
.savings-bridge {
  padding: 40px 0;
  text-align: center;
}
.savings-bridge-card {
  display: inline-flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  padding: 32px;
  background: linear-gradient(135deg, rgba(16, 185, 129, 0.08), rgba(34, 211, 238, 0.08));
  border: 1px solid rgba(16, 185, 129, 0.30);
  border-radius: 20px;
  max-width: 560px;
}
.savings-bridge-card h2 {
  margin: 0;
  font-size: clamp(1.2rem, 3vw, 1.6rem);
}
.savings-bridge-card p {
  margin: 0;
  opacity: 0.85;
}

/* ===== ETF Hero (etf.html S1) ===== */
.savings-etf-hero {
  padding: clamp(40px, 6vw, 72px) 0 16px;
  background: linear-gradient(180deg, rgba(34, 211, 238, .08), transparent 70%);
}
.savings-etf-title {
  font-size: clamp(1.5rem, 3.8vw, 2.2rem);
  margin: 0 0 8px;
}
.savings-etf-subtitle {
  font-size: 0.95rem;
  opacity: 0.85;
  margin: 0 0 16px;
}

/* ETF section base */
.savings-etf-section {
  padding: 24px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
}

/* Where: 거래소 카드 */
.savings-broker-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 12px;
  margin-top: 12px;
}
.savings-broker-card {
  padding: 14px 16px;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 12px;
  text-decoration: none;
  color: inherit;
  display: block;
  transition: transform 0.15s ease, background 0.15s ease;
}
.savings-broker-card:hover {
  transform: translateY(-1px);
  background: rgba(255, 255, 255, 0.06);
  border-color: rgba(34, 211, 238, 0.30);
}
.savings-broker-name { font-weight: 600; font-size: 1rem; margin-bottom: 4px; }
.savings-broker-note { font-size: 0.85rem; opacity: 0.75; }

/* ETF starter list */
.savings-etf-list {
  list-style: none;
  padding: 0;
  margin: 12px 0 0;
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.savings-etf-tag {
  display: inline-flex;
  align-items: center;
  padding: 6px 14px;
  background: rgba(34, 211, 238, 0.10);
  border: 1px solid rgba(34, 211, 238, 0.30);
  color: rgb(180, 230, 240);
  border-radius: 999px;
  font-size: 0.85rem;
  font-weight: 500;
  font-family: var(--mono, monospace);
}

/* Tax box */
.savings-tax-box {
  padding: 18px;
  background: rgba(255, 200, 100, 0.06);
  border-left: 3px solid rgba(255, 200, 100, 0.40);
  border-radius: 0 12px 12px 0;
  margin: 12px 0;
}
.savings-tax-name { font-weight: 600; margin: 0 0 6px; font-size: 1rem; color: rgb(240, 210, 130); }
.savings-tax-brackets { font-family: var(--mono, monospace); font-size: 0.92rem; margin: 4px 0; }
.savings-tax-source { font-size: 0.78rem; opacity: 0.7; }

/* Mistakes */
.savings-mistakes {
  list-style: none;
  padding: 0;
  margin: 12px 0 0;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 12px;
}
.savings-mistake-card {
  padding: 14px;
  background: rgba(255, 61, 127, 0.06);
  border: 1px solid rgba(255, 61, 127, 0.20);
  border-radius: 10px;
}
.savings-mistake-card strong { color: rgb(255, 130, 170); display: block; margin-bottom: 4px; }
.savings-mistake-card span { font-size: 0.88rem; opacity: 0.85; }

/* ===== 5-axis (savings 페이지) ===== */
.savings-5axis-section { padding: 24px 0; }
.savings-5axis {
  padding: 20px 24px;
  background: rgba(255, 255, 255, 0.03);
  border-radius: 14px;
}
.savings-5axis h3 { margin: 0 0 8px; font-size: 1.05rem; }
.savings-5axis-lede { font-size: 0.9rem; opacity: 0.75; margin: 0 0 12px; }
.savings-5axis-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.savings-5axis-list .axis a,
.savings-5axis-list .axis > span {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 8px 14px;
  border-radius: 999px;
  font-size: 0.9rem;
  text-decoration: none;
  color: inherit;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.08);
}
.savings-5axis-list .axis-active a {
  background: rgba(140, 200, 140, 0.10);
  border-color: rgba(140, 200, 140, 0.30);
  color: rgb(180, 230, 180);
}
.savings-5axis-list .axis-current > span {
  background: rgba(16, 185, 129, 0.18);
  border-color: rgba(16, 185, 129, 0.45);
  color: rgb(160, 230, 200);
  font-weight: 600;
}
.savings-5axis-list .axis-soon a { opacity: 0.7; background: rgba(255, 255, 255, 0.025); }

/* ===== sub-header savings chip 카테고리별 색 룰 폐기 (2026-05-27) — style.css 의 단일 .is-current 그라디언트로 통일 ===== */

/* ===== Choicecountry hub ===== */
.savings-choice-hero {
  padding: clamp(40px, 6vw, 72px) 0 24px;
  background: linear-gradient(180deg, rgba(16, 185, 129, .08), transparent 70%);
}
.savings-choice-grid { padding: 16px 0 48px; }
.savings-choice-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 16px;
  margin-top: 16px;
}
.savings-choice-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  padding: 24px;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.06);
  border-radius: 14px;
  text-decoration: none;
  color: inherit;
  text-align: center;
  transition: transform 0.15s ease, background 0.15s ease, border-color 0.15s ease;
}
.savings-choice-card:hover {
  transform: translateY(-2px);
  background: rgba(16, 185, 129, 0.08);
  border-color: rgba(16, 185, 129, 0.30);
}
.savings-choice-flag { font-size: 2.4rem; }
.savings-choice-name { font-weight: 600; font-size: 1.05rem; }
.savings-choice-status {
  display: inline-block;
  padding: 2px 8px;
  border-radius: 4px;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  background: rgba(140, 200, 140, 0.15);
  color: rgb(180, 230, 180);
}