/*
 * Gom Home — 브라운 톤 · 고급스럽고 단정한 글로벌 사이트 스타일
 * 아이보리 바탕 + 코냑 브라운 강조, 숫자와 제목은 세리프(Noto Serif KR)
 */
:root {
  --bg: #f6f1ea;
  --surface: #fffdf9;
  --surface-2: #f1e9de;
  --hover: #ece2d4;
  --line: #e6dccd;
  --line-strong: #d4c4ad;
  --text: #2b1f17;
  --text-2: #6b5a4b;
  --text-3: #9b8875;
  --primary: #8a5a36;
  --primary-2: #b8915a;
  --primary-soft: #f1e4d4;
  --primary-text: #fffaf3;
  --ok: #5d7f55;
  --ok-soft: #e7eede;
  --danger: #b4533f;
  --danger-soft: #f6e3dc;
  --warn: #a8731f;
  --warn-soft: #f6ead3;
  --bear: #a8764c;
  --bear-inner: #f3cdb5;
  --bear-muzzle: #f8ead9;
  --bear-dark: #3a2a20;
  --bear-cheek: #f2a4a0;
  --shadow: 0 1px 2px rgba(60, 40, 20, .04), 0 8px 24px rgba(60, 40, 20, .05);
  --shadow-lg: 0 24px 64px rgba(43, 31, 23, .18);
  --radius: 16px;
  --radius-sm: 10px;
  --font: "Pretendard Variable", "Pretendard", -apple-system, "Apple SD Gothic Neo", "Malgun Gothic", system-ui, sans-serif;
  --serif: var(--font);
  --brand: "Nunito", var(--font);
  color-scheme: light;
}
:root[data-theme="dark"] {
  --bg: #16110d;
  --surface: #1f1813;
  --surface-2: #29201a;
  --hover: #322720;
  --line: #33291f;
  --line-strong: #4a3b2d;
  --text: #f2e9dd;
  --text-2: #c2b19d;
  --text-3: #8a7864;
  --primary: #cf9f70;
  --primary-2: #d8b47f;
  --primary-soft: #3a2a1d;
  --primary-text: #1a120c;
  --ok: #9cbb8c;
  --ok-soft: #1f2a1b;
  --danger: #e28872;
  --danger-soft: #3a1f18;
  --warn: #dfae5c;
  --warn-soft: #362812;
  --bear: #c48f62;
  --bear-inner: #f0c2a6;
  --bear-muzzle: #f6e4cf;
  --bear-dark: #2a1e16;
  --bear-cheek: #ee9a94;
  --shadow: none;
  --shadow-lg: 0 24px 64px rgba(0, 0, 0, .6);
  color-scheme: dark;
}

/* ===== 기본 ===== */
*, *::before, *::after { box-sizing: border-box; }
html, body { margin: 0; }
body {
  background: var(--bg); color: var(--text);
  font-family: var(--font); font-size: 14px; line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; color: inherit; }
svg { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; flex: none; }
h1, h2, h3 { margin: 0; font-family: var(--font); font-weight: 700; letter-spacing: -0.025em; text-wrap: balance; }
p { margin: 0; }
[hidden] { display: none !important; }
:focus-visible { outline: 2px solid var(--primary); outline-offset: 2px; }
.serif { font-family: var(--serif); }
.num { font-variant-numeric: tabular-nums; }
.muted { color: var(--text-3); }
.pos { color: var(--ok); }
.neg { color: var(--danger); }
@media (prefers-reduced-motion: reduce) { * { animation: none !important; transition: none !important; } }

/* ===== 헤더 ===== */
.header {
  position: sticky; top: 0; z-index: 10;
  background: color-mix(in srgb, var(--bg) 90%, transparent);
  backdrop-filter: saturate(1.4) blur(12px);
  border-bottom: 1px solid var(--line);
  padding-top: env(safe-area-inset-top);
}
.header-inner { max-width: 1200px; margin: 0 auto; height: 64px; padding: 0 24px; display: flex; align-items: center; gap: 24px; }
.brand { display: flex; align-items: center; gap: 10px; flex: none; }
.bear { display: inline-grid; place-items: center; width: 34px; height: 34px; }
.bear svg { width: 34px; height: 34px; stroke: none; overflow: visible; }
.bear .fur { fill: var(--bear); }
.bear .inner { fill: var(--bear-inner); }
.bear .muzzle { fill: var(--bear-muzzle); }
.bear .dark { fill: var(--bear-dark); }
.bear .shine { fill: #fff; }
.bear .cheek { fill: var(--bear-cheek); opacity: .6; }
.bear .smile { fill: none; stroke: var(--bear-dark); stroke-width: 1.3; stroke-linecap: round; }
.brand:hover .bear svg { animation: bear-bob .6s ease-in-out; }
@keyframes bear-bob { 50% { transform: rotate(-8deg) translateY(-1px); } }
.brand-name { font-family: var(--brand); font-weight: 800; font-size: 20px; letter-spacing: -0.01em; }
.nav { display: flex; gap: 4px; flex: 1; justify-content: center; }
.nav a { padding: 8px 14px; border-radius: 999px; color: var(--text-2); font-weight: 500; white-space: nowrap; }
.nav a:hover { color: var(--text); background: var(--hover); }
.nav a.active { color: var(--primary-text); background: var(--primary); }
.header-actions { display: flex; align-items: center; gap: 6px; flex: none; }
.nav-mobile { display: none; }

.icon-btn {
  display: inline-grid; place-items: center; width: 36px; height: 36px; padding: 0;
  border: 0; border-radius: 999px; background: transparent; color: var(--text-2); cursor: pointer;
}
.icon-btn:hover { background: var(--hover); color: var(--text); }
.icon-btn.active { color: var(--primary); }

/* 토글 스위치 */
.switch { display: inline-flex; align-items: center; gap: 8px; cursor: pointer; padding: 6px 10px 6px 6px; border-radius: 999px; user-select: none; }
.switch:hover { background: var(--hover); }
.switch input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.switch-track { position: relative; width: 38px; height: 22px; border-radius: 11px; background: var(--line-strong); transition: background .2s; }
.switch-thumb { position: absolute; top: 3px; left: 3px; width: 16px; height: 16px; border-radius: 50%; background: #fff; box-shadow: 0 1px 3px rgba(0,0,0,.25); transition: transform .2s; }
.switch input:checked + .switch-track { background: var(--primary); }
.switch input:checked + .switch-track .switch-thumb { transform: translateX(16px); }
.switch input:focus-visible + .switch-track { outline: 2px solid var(--primary); outline-offset: 2px; }
.switch-label { font-size: 13px; color: var(--text-2); font-weight: 500; }

/* ===== 본문 ===== */
.content { max-width: 1200px; margin: 0 auto; padding: 40px 24px 80px; outline: none; }
.hero { margin-bottom: 32px; }
.hero .eyebrow { font-size: 12px; letter-spacing: .14em; text-transform: uppercase; color: var(--primary); font-weight: 600; }
.hero h1 { font-size: 34px; letter-spacing: -0.035em; line-height: 1.25; margin-top: 8px; }
.hero p { color: var(--text-2); margin-top: 8px; font-size: 15px; }
.section { margin-top: 48px; }
.section-head { display: flex; align-items: baseline; gap: 12px; margin-bottom: 16px; }
.section-head h2 { font-size: 21px; }
.section-head .sub { color: var(--text-3); font-size: 13px; }
.section-head .spacer { flex: 1; }
.link { color: var(--primary); font-weight: 500; font-size: 13px; white-space: nowrap; }
.link:hover { text-decoration: underline; }

.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow); }
.card.flat { box-shadow: none; }
.card h3 { font-size: 17px; }
.card-head { display: flex; align-items: center; gap: 10px; margin-bottom: 16px; }
.card-head .spacer { flex: 1; }
.grid { display: grid; gap: 16px; align-items: start; }
.cols-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.cols-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.cols-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.cols-main { grid-template-columns: minmax(0, 1.5fr) minmax(0, 1fr); }

/* 핵심 숫자 */
.stat .label { font-size: 13px; color: var(--text-2); }
.stat .value { font-family: var(--font); font-size: 28px; font-weight: 700; margin-top: 6px; line-height: 1.2; letter-spacing: -0.02em; }
.stat .foot { font-size: 12.5px; color: var(--text-3); margin-top: 6px; }
.vol { display: inline-flex; align-items: center; gap: 4px; }
.vol-bars { display: inline-flex; align-items: flex-end; gap: 2px; height: 12px; }
.vol-bars i { display: block; width: 3px; border-radius: 1px; background: var(--danger); }
.stat.feature { background: var(--primary); border-color: var(--primary); color: var(--primary-text); }
.stat.feature .label, .stat.feature .foot { color: color-mix(in srgb, var(--primary-text) 75%, transparent); }
.money.masked { letter-spacing: .1em; color: var(--text-3); }
.stat.feature .money.masked { color: color-mix(in srgb, var(--primary-text) 70%, transparent); }

.pill { display: inline-flex; align-items: center; gap: 6px; height: 24px; padding: 0 10px; border-radius: 999px; font-size: 12px; font-weight: 500; background: var(--surface-2); color: var(--text-2); white-space: nowrap; }
.pill.primary { background: var(--primary-soft); color: var(--primary); }
.pill.ok { background: var(--ok-soft); color: var(--ok); }
.pill.warn { background: var(--warn-soft); color: var(--warn); }
.pill.danger { background: var(--danger-soft); color: var(--danger); }
.dot { width: 8px; height: 8px; border-radius: 50%; display: inline-block; flex: none; }

/* 진행 막대 */
.progress { height: 6px; border-radius: 3px; background: var(--surface-2); overflow: hidden; }
.progress > span { display: block; height: 100%; border-radius: 3px; background: var(--primary); }
.progress.ok > span { background: var(--ok); }

/* ===== 2027 로드맵 (가로) ===== */
.roadmap { display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); position: relative; }
.roadmap::before { content: ""; position: absolute; left: 0; right: 0; top: 30px; height: 2px; background: var(--line-strong); }
.rm-month { position: relative; padding: 0 4px; min-height: 120px; }
.rm-label { font-size: 12px; color: var(--text-3); font-weight: 600; text-align: center; height: 22px; }
.rm-tick { width: 10px; height: 10px; border-radius: 50%; margin: 3px auto 14px; background: var(--surface); border: 2px solid var(--line-strong); position: relative; z-index: 1; }
.rm-month.has .rm-tick { background: var(--primary); border-color: var(--primary); }
.rm-month.key .rm-tick { width: 16px; height: 16px; margin-top: 0; margin-bottom: 11px; box-shadow: 0 0 0 4px var(--primary-soft); }
.rm-month.now .rm-label { color: var(--primary); }
.rm-item { font-size: 12px; line-height: 1.4; background: var(--surface-2); border-radius: 8px; padding: 6px 8px; margin-bottom: 6px; text-align: center; word-break: keep-all; }
.rm-item.key { background: var(--primary); color: var(--primary-text); font-weight: 600; }
.rm-item.suggested { background: transparent; border: 1px dashed var(--line-strong); color: var(--text-2); }

/* 로드맵 (세로) */
.vtl { position: relative; padding-left: 28px; }
.vtl::before { content: ""; position: absolute; left: 7px; top: 6px; bottom: 6px; width: 2px; background: var(--line-strong); }
.vtl-group { position: relative; padding-bottom: 28px; }
.vtl-group:last-child { padding-bottom: 0; }
.vtl-group::before { content: ""; position: absolute; left: -27px; top: 6px; width: 14px; height: 14px; border-radius: 50%; background: var(--surface); border: 2px solid var(--primary); }
.vtl-group.key::before { background: var(--primary); box-shadow: 0 0 0 4px var(--primary-soft); }
.vtl-group.past { opacity: .55; }
.vtl-month { font-family: var(--serif); font-size: 18px; font-weight: 600; }
.vtl-month small { font-family: var(--font); font-size: 12.5px; color: var(--text-3); font-weight: 400; margin-left: 8px; }
.vtl-item { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; margin-top: 10px; padding: 14px 16px; border-radius: var(--radius-sm); background: var(--surface); border: 1px solid var(--line); }
.vtl-item.key { border-color: var(--primary); }
.vtl-item .t { font-weight: 600; flex: 1; min-width: 160px; }

/* ===== 목록 ===== */
.list { display: flex; flex-direction: column; }
.row { display: flex; align-items: center; gap: 12px; padding: 12px 0; border-bottom: 1px solid var(--line); }
.row:last-child { border-bottom: 0; padding-bottom: 0; }
.row:first-child { padding-top: 0; }
.row .grow { flex: 1; min-width: 0; }
.row .title { font-weight: 500; }
.row .meta { font-size: 12.5px; color: var(--text-3); }
.date-badge { width: 46px; flex: none; text-align: center; border-radius: 10px; background: var(--surface-2); padding: 4px 0; line-height: 1.2; }
.date-badge b { display: block; font-family: var(--serif); font-size: 17px; }
.date-badge span { font-size: 11px; color: var(--text-3); }
.empty { padding: 20px; text-align: center; color: var(--text-3); }

/* ===== 자산 ===== */
.asset-hero { display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr); gap: 32px; align-items: center; }
.price-track { position: relative; height: 8px; border-radius: 4px; background: var(--surface-2); margin: 36px 0 44px; }
.price-track .fill { position: absolute; left: 0; top: 0; bottom: 0; border-radius: 4px; background: linear-gradient(90deg, var(--primary-2), var(--primary)); }
.price-mark { position: absolute; top: 50%; transform: translate(-50%, -50%); width: 14px; height: 14px; border-radius: 50%; background: var(--surface); border: 3px solid var(--primary); }
.price-mark.limit { border-color: var(--warn); border-style: dashed; background: var(--warn-soft); }
.price-mark .tip { position: absolute; left: 50%; transform: translateX(-50%); white-space: nowrap; font-size: 11.5px; color: var(--text-2); }
.price-mark .tip.up { bottom: 18px; }
.price-mark .tip.down { top: 18px; }
.price-mark:first-child .tip { left: 0; transform: none; }
.kv { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.kv .k { font-size: 12.5px; color: var(--text-3); }
.kv .v { font-family: var(--font); font-size: 19px; font-weight: 700; letter-spacing: -0.02em; margin-top: 2px; }
.dday { text-align: center; padding: 28px; border-radius: var(--radius); background: var(--primary-soft); }
.dday .big { font-family: var(--font); font-size: 46px; font-weight: 800; letter-spacing: -0.03em; color: var(--primary); line-height: 1.1; }
.dday .cap { color: var(--text-2); margin-top: 6px; font-size: 13px; }
.note { font-size: 12.5px; color: var(--text-3); margin-top: 14px; line-height: 1.6; }
.stack { display: flex; height: 12px; border-radius: 6px; overflow: hidden; background: var(--surface-2); }
.stack span { display: block; height: 100%; }
.legend { display: flex; flex-wrap: wrap; gap: 6px 18px; margin-top: 12px; font-size: 12.5px; color: var(--text-2); }
.legend span { display: inline-flex; align-items: center; gap: 6px; }

/* ===== 목표 ===== */
.goal { padding: 18px 0; border-bottom: 1px solid var(--line); }
.goal:last-child { border-bottom: 0; padding-bottom: 0; }
.goal:first-child { padding-top: 0; }
.goal-top { display: flex; align-items: center; gap: 8px; margin-bottom: 10px; flex-wrap: wrap; }
.goal-title { font-weight: 600; flex: 1; min-width: 160px; }
.goal-foot { display: flex; justify-content: space-between; gap: 8px; font-size: 12.5px; color: var(--text-3); margin-top: 8px; }

/* ===== 취미 ===== */
.weekend { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.pick { border-radius: var(--radius-sm); padding: 16px; background: var(--surface-2); display: flex; flex-direction: column; gap: 8px; min-height: 132px; }
.pick .day { font-size: 12px; font-weight: 600; color: var(--primary); letter-spacing: .04em; }
.pick .t { font-family: var(--serif); font-weight: 600; font-size: 16px; line-height: 1.4; flex: 1; word-break: keep-all; }
.pick .actions { display: flex; flex-wrap: wrap; gap: 6px; }
.stars { display: inline-flex; gap: 1px; }
.stars button { border: 0; background: none; padding: 0 1px; cursor: pointer; color: var(--line-strong); font-size: 15px; line-height: 1; }
.stars button.on { color: var(--primary-2); }
.watch-row.watched .title { color: var(--text-3); text-decoration: line-through; }
.check { width: 20px; height: 20px; border-radius: 6px; border: 1.5px solid var(--line-strong); background: var(--surface); display: grid; place-items: center; cursor: pointer; padding: 0; flex: none; color: var(--primary-text); }
.check.on { background: var(--primary); border-color: var(--primary); }
.check svg { width: 12px; height: 12px; stroke-width: 3; }

/* ===== 캘린더 ===== */
.cal-head { display: flex; align-items: center; gap: 8px; margin-bottom: 16px; }
.cal-head h2 { font-size: 22px; min-width: 150px; }
.cal { display: grid; grid-template-columns: repeat(7, minmax(0, 1fr)); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; background: var(--line); gap: 1px; }
.cal-dow { background: var(--surface-2); text-align: center; font-size: 12px; font-weight: 600; color: var(--text-2); padding: 8px 0; }
.cal-dow.sun, .cal-day.sun .dnum { color: var(--danger); }
.cal-dow.sat, .cal-day.sat .dnum { color: #5a7a9a; }
:root[data-theme="dark"] .cal-dow.sat, :root[data-theme="dark"] .cal-day.sat .dnum { color: #8fb0d0; }
.cal-day { background: var(--surface); min-height: 108px; padding: 6px; cursor: pointer; display: flex; flex-direction: column; gap: 3px; min-width: 0; }
.cal-day:hover { background: var(--hover); }
.cal-day.other { background: var(--bg); }
.cal-day.other .dnum { opacity: .4; }
.cal-day.weekend-bg { background: color-mix(in srgb, var(--primary-soft) 35%, var(--surface)); }
.dnum { font-size: 12.5px; font-weight: 600; width: 24px; height: 24px; display: grid; place-items: center; border-radius: 50%; }
.cal-day.today .dnum { background: var(--primary); color: var(--primary-text) !important; }
.ev { font-size: 11.5px; line-height: 1.35; padding: 2px 6px; border-radius: 5px; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; background: var(--surface-2); border-left: 3px solid var(--line-strong); }
.ev.bday { background: var(--danger-soft); border-left-color: var(--danger); }
.ev.road { background: var(--primary-soft); border-left-color: var(--primary); }
.ev.watch { background: transparent; border-left-color: var(--primary-2); color: var(--text-2); }
.cal-legend { display: flex; flex-wrap: wrap; gap: 8px 16px; margin-top: 12px; font-size: 12.5px; color: var(--text-2); }
.cal-legend span { display: inline-flex; align-items: center; gap: 6px; }

/* ===== 버튼·폼 ===== */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 6px;
  height: 36px; padding: 0 16px; border-radius: 999px;
  border: 1px solid var(--line-strong); background: var(--surface); color: var(--text);
  cursor: pointer; white-space: nowrap; font-weight: 500;
}
.btn:hover { background: var(--hover); }
.btn.primary { background: var(--primary); border-color: var(--primary); color: var(--primary-text); }
.btn.primary:hover { filter: brightness(1.08); }
.btn.ghost { background: transparent; border-color: transparent; }
.btn.danger { color: var(--danger); }
.btn.sm { height: 28px; padding: 0 12px; font-size: 12.5px; }
.btn svg { width: 15px; height: 15px; }
input, select, textarea {
  width: 100%; padding: 9px 12px; border-radius: var(--radius-sm);
  border: 1px solid var(--line-strong); background: var(--surface); color: var(--text);
}
textarea { resize: vertical; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px var(--primary-soft); }
input[type="checkbox"] { width: 18px; height: 18px; accent-color: var(--primary); }
.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 16px; }
.field > span { font-size: 13px; color: var(--text-2); font-weight: 500; }
.field em { font-style: normal; color: var(--text-3); font-weight: 400; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.segmented { display: inline-flex; flex-wrap: wrap; border: 1px solid var(--line-strong); border-radius: 999px; overflow: hidden; width: fit-content; }
.segmented label { cursor: pointer; }
.segmented input { position: absolute; opacity: 0; pointer-events: none; width: auto; }
.segmented span { display: block; padding: 7px 16px; color: var(--text-2); }
.segmented input:checked + span { background: var(--primary); color: var(--primary-text); }

/* ===== 설정 ===== */
.settings { display: grid; grid-template-columns: 200px minmax(0, 1fr); gap: 32px; align-items: start; }
.settings-nav { position: sticky; top: 88px; display: flex; flex-direction: column; gap: 2px; }
.settings-nav button { text-align: left; border: 0; background: none; padding: 9px 14px; border-radius: var(--radius-sm); cursor: pointer; color: var(--text-2); font-weight: 500; }
.settings-nav button:hover { background: var(--hover); }
.settings-nav button.active { background: var(--surface); color: var(--text); box-shadow: var(--shadow); }
.set-block { margin-bottom: 28px; }
.set-block h3 { font-size: 17px; margin-bottom: 4px; }
.set-block > p { color: var(--text-3); font-size: 13px; margin-bottom: 14px; }
.edit-table { width: 100%; border-collapse: separate; border-spacing: 0 6px; }
.edit-table th { text-align: left; font-size: 12px; color: var(--text-3); font-weight: 500; padding: 0 6px; white-space: nowrap; }
.edit-table td { padding: 0 3px; vertical-align: middle; }
.edit-table td.act { width: 36px; }
.edit-table input, .edit-table select { padding: 7px 9px; font-size: 13px; }
.edit-table input.money-in { text-align: right; font-variant-numeric: tabular-nums; }
.edit-wrap { overflow-x: auto; }
.form-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 0 16px; }
.unit { font-size: 11.5px; color: var(--text-3); }

/* ===== 모달 ===== */
.modal { width: min(520px, calc(100vw - 32px)); max-height: calc(100vh - 48px); padding: 0; border: 1px solid var(--line); border-radius: 20px; background: var(--surface); color: var(--text); box-shadow: var(--shadow-lg); }
.modal.confirm { width: min(380px, calc(100vw - 32px)); }
.modal::backdrop { background: rgba(30, 20, 12, .45); backdrop-filter: blur(3px); }
.modal form { display: contents; }
.modal-head { display: flex; align-items: center; padding: 18px 22px; border-bottom: 1px solid var(--line); }
.modal-head h2 { font-size: 18px; flex: 1; }
.modal-body { padding: 22px; overflow-y: auto; max-height: calc(100vh - 200px); }
.modal-foot { display: flex; gap: 8px; padding: 14px 22px; border-top: 1px solid var(--line); }
.modal-foot .spacer { flex: 1; }

.toasts { position: fixed; left: 50%; transform: translateX(-50%); bottom: 24px; z-index: 50; display: flex; flex-direction: column; gap: 8px; align-items: center; }
.toast { padding: 10px 18px; border-radius: 999px; background: var(--text); color: var(--bg); box-shadow: var(--shadow-lg); font-size: 13px; animation: toast-in .2s ease-out; }
@keyframes toast-in { from { opacity: 0; transform: translateY(6px); } }

/* ===== 반응형 ===== */
@media (max-width: 1080px) {
  .cols-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .cols-main, .cols-3, .asset-hero { grid-template-columns: minmax(0, 1fr); }
  .nav a { padding: 8px 10px; }
}
@media (max-width: 860px) {
  .header-inner { height: 56px; padding: 0 16px; gap: 8px; }
  .nav { display: none; }
  .brand { flex: 1; }
  .switch-label { display: none; }
  .nav-mobile { display: flex; gap: 6px; overflow-x: auto; padding: 0 16px 10px; scrollbar-width: none; }
  .nav-mobile::-webkit-scrollbar { display: none; }
  .nav-mobile a { flex: none; padding: 6px 14px; border-radius: 999px; background: var(--surface); border: 1px solid var(--line); color: var(--text-2); font-size: 13px; font-weight: 500; }
  .nav-mobile a.active { background: var(--primary); border-color: var(--primary); color: var(--primary-text); }
  .content { padding: 24px 16px calc(48px + env(safe-area-inset-bottom)); }
  .hero h1 { font-size: 26px; }
  .section { margin-top: 36px; }
  .card { padding: 18px; }
  .stat .value { font-size: 22px; }
  .cols-2 { grid-template-columns: minmax(0, 1fr); }
  .pick { padding: 12px; }
  .pick .btn.sm { padding: 0 8px; }
  .kv { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 8px; }
  .kv .v { font-size: 14px; word-break: keep-all; }
  .price-mark .tip { font-size: 10.5px; }
  .roadmap-wide { display: none; }
  .grid-2 { grid-template-columns: 1fr; gap: 0; }
  .settings { grid-template-columns: minmax(0, 1fr); gap: 16px; }
  .settings-nav { position: static; flex-direction: row; overflow-x: auto; scrollbar-width: none; }
  .settings-nav button { flex: none; }
  .cal-day { min-height: 64px; padding: 3px; }
  .ev { font-size: 10px; padding: 1px 3px; border-left-width: 2px; }
  .ev .ev-time { display: none; }
  .modal { width: 100vw; max-width: 100vw; margin: auto 0 0; border-radius: 20px 20px 0 0; max-height: 92vh; }
  .modal.confirm { margin: auto; width: calc(100vw - 32px); border-radius: 20px; }
}
@media (min-width: 861px) { .roadmap-narrow { display: none; } }

/* ===== v4 추가 ===== */
.gear { width: 30px; height: 30px; color: var(--text-3); }
.gear svg { width: 16px; height: 16px; }
.gear:hover { color: var(--primary); }
.year-tabs { display: flex; gap: 6px; flex-wrap: wrap; margin-bottom: 16px; }
.chip { height: 32px; padding: 0 14px; border-radius: 999px; border: 1px solid var(--line-strong); background: var(--surface); color: var(--text-2); cursor: pointer; font-weight: 500; }
.chip:hover { background: var(--hover); }
.chip.active { background: var(--primary); border-color: var(--primary); color: var(--primary-text); }
.banner { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; padding: 14px 18px; border-radius: var(--radius-sm); background: var(--primary-soft); color: var(--text); margin-bottom: 16px; }
.banner .grow { flex: 1; min-width: 200px; }
.debt-card { margin-top: 16px; padding: 16px 20px; }
.debt-card .card-head { margin-bottom: 0; }
.debt-card.open .card-head { margin-bottom: 12px; }
.lock-btn { display: inline-flex; align-items: center; gap: 6px; }
.repeat-tag { font-size: 11.5px; color: var(--primary); white-space: nowrap; }

/* 홈 인사말: 늑구 & 곰솔 */
.hero-names { font-size: 40px !important; font-weight: 800; letter-spacing: -0.04em; }
.hero-names .amp { color: var(--primary); font-weight: 600; margin: 0 .12em; }
@media (max-width: 860px) { .hero-names { font-size: 32px !important; } }
.money .nw { white-space: nowrap; }
.stat, .kv > div { min-width: 0; }
.stat .value { overflow-wrap: anywhere; }
.grid.cols-4 { align-items: stretch; }

@media (max-width: 860px) {
  .stat { padding: 16px; }
  .stat .value { font-size: clamp(17px, 5.6vw, 22px); }
  .stat .label { word-break: keep-all; }
}
body { word-break: keep-all; overflow-wrap: break-word; }
@media (max-width: 860px) {
  .section-head h2 { white-space: nowrap; }
  .section-head .sub { display: none; }
}