:root {
  color-scheme: light;
  --bg: #ffffff;
  --bg-soft: #f5f7ff;
  --card: #ffffff;
  --accent: #0052ff;
  --accent-strong: #0040cc;
  --text: #0a0b0d;
  --muted: #5b616e;
  --line: rgba(10, 11, 13, 0.12);
  --gold: #ebb432;
  --success: #16a34a;
  --danger: #dc2626;
  --radius: 12px;
  --radius-pill: 999px;
  --radius-card: 16px;
  --shadow: 0 4px 24px rgba(0, 82, 255, 0.08);
}

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

body {
  font-family: "Pretendard", "Apple SD Gothic Neo", "Noto Sans KR", "Malgun Gothic", sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.65;
  font-size: 17px;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
button { cursor: pointer; font: inherit; }
input, select, textarea { font: inherit; }

.container { width: min(1200px, 92%); margin: 0 auto; }

.site-header {
  position: sticky; top: 0; background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line); z-index: 100;
  box-shadow: 0 1px 0 rgba(0, 82, 255, 0.04);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 0; gap: 16px;
}
.brand { display: flex; align-items: center; gap: 10px; font-weight: 700; }
.brand-link { display: inline-flex; align-items: center; gap: 10px; }
.brand-mark {
  display: inline-flex; align-items: center; justify-content: center;
  width: 38px; height: 38px; border-radius: 8px;
  background: var(--accent); color: #fff;
  font-family: "Times New Roman", serif; font-size: 18px; font-weight: 700;
}
.brand-logo {
  width: 30px; height: 30px; object-fit: contain; display: block;
}
.brand-name { font-size: 18px; color: var(--text); white-space: nowrap; font-weight: 600; }
.nav { display: flex; gap: 22px; font-size: 16px; font-weight: 500; }
.nav a:hover { color: var(--accent-strong); }
.auth-actions { display: flex; gap: 8px; }

.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 12px 22px; border-radius: var(--radius-pill);
  font-size: 16px; font-weight: 600; border: none; transition: all 0.2s;
}
.btn-primary {
  background: var(--accent); color: #fff;
  box-shadow: 0 2px 8px rgba(0, 82, 255, 0.25);
}
.btn-primary:hover { background: var(--accent-strong); }
.btn-ghost {
  background: #fff; color: var(--accent);
  border: 1px solid var(--line);
}
.btn-ghost:hover { background: var(--bg-soft); }
.btn-danger { background: var(--danger); color: #fff; }
.btn-sm { padding: 8px 16px; font-size: 15px; }
.btn-full { width: 100%; }

.hero {
  position: relative;
  padding: 88px 0 72px;
  overflow: hidden;
  background: #f5f7ff;
}
.hero-media {
  position: absolute;
  inset: 0;
  z-index: 0;
  pointer-events: none;
}
.hero-bg-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  filter: blur(12px);
  transform: scale(1.08);
  opacity: 0.85;
}
.hero-scrim {
  position: absolute;
  inset: 0;
  z-index: 1;
  background:
    linear-gradient(105deg, rgba(255, 255, 255, 0.94) 0%, rgba(245, 247, 255, 0.9) 42%, rgba(0, 82, 255, 0.08) 100%),
    linear-gradient(180deg, rgba(255, 255, 255, 0.25) 0%, rgba(255, 255, 255, 0.75) 100%);
  pointer-events: none;
}
.hero-inner {
  position: relative;
  z-index: 2;
}
.hero-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 48px; align-items: center;
}
.hero-copy h1 {
  font-size: clamp(32px, 4.2vw, 48px);
  line-height: 1.2;
  color: #0a0b0d;
  margin-bottom: 18px;
  text-shadow: 0 1px 2px rgba(255, 255, 255, 0.8);
}
.hero-desc {
  font-size: clamp(16px, 1.05rem + 0.2vw, 19px);
  color: #1d2129;
  margin-bottom: 24px;
  max-width: 34em;
}
.hero-desc strong { color: var(--accent); }
.badge {
  display: inline-block; padding: 8px 16px; border-radius: var(--radius-pill);
  background: rgba(0, 82, 255, 0.1); color: var(--accent);
  font-size: 14px; font-weight: 600; margin-bottom: 16px;
}
.event-banner {
  display: flex; align-items: center; flex-wrap: wrap; gap: 10px;
  padding: 14px 18px; border-radius: var(--radius-card);
  background: var(--accent);
  color: #fff; font-size: 15px; margin-bottom: 24px;
}
.event-banner strong {
  padding: 4px 12px; background: #fff; color: var(--accent);
  border-radius: var(--radius-pill); font-size: 13px; font-weight: 700;
}
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 32px; }
.hero-stats {
  display: flex; gap: 28px; flex-wrap: wrap;
}
.hero-stats div { text-align: left; min-width: 120px; }
.hero-stats strong {
  display: block;
  font-size: 19px;
  color: #0a0b0d;
  text-shadow: 0 1px 1px rgba(255, 255, 255, 0.6);
}
.hero-stats span { font-size: 14px; color: var(--muted); }
.hero-visual {
  display: flex; align-items: center; justify-content: center;
}
.hero-card {
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid rgba(0, 82, 255, 0.12);
  border-radius: var(--radius-card); padding: 36px;
  box-shadow: var(--shadow);
  text-align: center; width: 100%; max-width: 400px;
  backdrop-filter: blur(8px);
}
.hero-card h3 { color: var(--accent); margin-bottom: 8px; font-size: 20px; }
.hero-card .big-rate { font-size: 60px; font-weight: 800; color: var(--accent); line-height: 1; }
.hero-card .big-rate span { font-size: 26px; }
.hero-card p { color: var(--muted); font-size: 16px; margin-top: 10px; }

.section { padding: 80px 0; }
.section-alt { background: var(--bg-soft); }
.section-title {
  font-size: clamp(26px, 2.5vw, 34px);
  font-weight: 700; color: #0a0b0d;
  text-align: center; margin-bottom: 14px;
}
.section-desc {
  text-align: center; color: var(--muted);
  font-size: clamp(16px, 1rem + 0.35vw, 19px);
  margin-bottom: 48px;
  max-width: 42rem;
  margin-left: auto;
  margin-right: auto;
}

.card-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 24px; }
.card {
  background: var(--card); border: 1px solid var(--line);
  border-radius: var(--radius-card); padding: 30px;
  transition: box-shadow 0.2s;
}
.card:hover { box-shadow: var(--shadow); }
.card-icon {
  width: 52px; height: 52px; border-radius: 14px;
  background: rgba(0, 82, 255, 0.08);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px; font-size: 26px;
}
.card h3 { font-size: 19px; color: #0a0b0d; margin-bottom: 10px; }
.card p { font-size: 16px; color: var(--muted); line-height: 1.65; }

#reviews { padding: 60px 0; overflow: hidden; }
.reviews-header { text-align: center; margin-bottom: 32px; }
.reviews-header .section-desc { margin-bottom: 0; }
.reviews-slider-wrap { overflow: hidden; }
.reviews-slider {
  display: flex; gap: 24px;
  animation: reviewSlide 40s linear infinite;
}
.reviews-slider:hover { animation-play-state: paused; }
@keyframes reviewSlide {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
.review-card {
  flex-shrink: 0; width: 320px;
  background: var(--card); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 24px;
}
.review-stars { color: var(--gold); font-size: 16px; margin-bottom: 12px; }
.review-text { font-size: 16px; line-height: 1.65; color: var(--text); margin-bottom: 16px; }
.review-author { font-size: 14px; color: var(--muted); }

.rate-hero {
  max-width: 720px;
  margin: 0 auto 40px;
}
.rate-hero-main {
  background: linear-gradient(135deg, rgba(0, 82, 255, 0.08) 0%, rgba(0, 82, 255, 0.02) 100%);
  border: 1px solid rgba(0, 82, 255, 0.15);
  border-radius: var(--radius-card);
  padding: 28px 32px;
  text-align: center;
}
.rate-hero-label {
  display: block;
  font-size: 15px;
  font-weight: 600;
  color: var(--muted);
  margin-bottom: 8px;
}
.rate-hero-value {
  display: block;
  font-size: clamp(40px, 6vw, 56px);
  font-weight: 800;
  color: var(--accent);
  line-height: 1.1;
  letter-spacing: -0.02em;
}
.rate-hero-tilde { font-size: 0.55em; font-weight: 700; opacity: 0.85; }
.rate-hero-note {
  margin-top: 14px;
  font-size: 16px;
  color: var(--text);
  line-height: 1.65;
  max-width: 36em;
  margin-left: auto;
  margin-right: auto;
}
.rate-steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 20px;
  margin-bottom: 32px;
}
.rate-step {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius-card);
  padding: 24px 22px;
  position: relative;
}
.rate-step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  border-radius: var(--radius-pill);
  background: var(--accent);
  color: #fff;
  font-size: 15px;
  font-weight: 700;
  margin-bottom: 12px;
}
.rate-step h3 {
  font-size: 18px;
  color: #0a0b0d;
  margin-bottom: 8px;
}
.rate-step-value {
  font-size: 22px;
  font-weight: 800;
  color: var(--accent);
  margin-bottom: 8px;
}
.rate-step-desc {
  font-size: 15px;
  color: var(--muted);
  line-height: 1.6;
}
.rate-extra-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 16px;
  max-width: 900px;
  margin: 0 auto;
}
.rate-extra-card {
  background: var(--bg-soft);
  border-radius: var(--radius);
  padding: 18px 20px;
  border: 1px solid var(--line);
}
.rate-extra-card h4 {
  font-size: 16px;
  color: #0a0b0d;
  margin-bottom: 6px;
}
.rate-extra-card p {
  font-size: 15px;
  color: var(--muted);
  line-height: 1.55;
  margin: 0;
}

.rate-table { width: 100%; border-collapse: collapse; }
.rate-table th, .rate-table td {
  padding: 16px 20px; text-align: left;
  border-bottom: 1px solid var(--line); font-size: 16px;
}
.rate-table th { background: var(--accent); color: #fff; font-weight: 600; }
.rate-table tr:hover td { background: var(--bg-soft); }

.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 24px; counter-reset: step; }
.step { text-align: center; counter-increment: step; }
.step::before {
  content: counter(step);
  display: inline-flex; align-items: center; justify-content: center;
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--accent); color: #fff;
  font-size: 20px; font-weight: 700; margin-bottom: 16px;
}
.step h4 { font-size: 17px; color: #0a0b0d; margin-bottom: 6px; }
.step p { font-size: 15px; color: var(--muted); }

.coin-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 20px; }
.coin-card {
  display: flex; align-items: center; gap: 16px;
  background: var(--card); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 20px;
}
.coin-card img { width: 48px; height: 48px; }
.coin-card h4 { font-size: 16px; }
.coin-card p { font-size: 13px; color: var(--muted); }

.calc-wrap {
  max-width: 640px; margin: 0 auto;
  background: var(--card); border: 1px solid var(--line);
  border-radius: var(--radius-card); padding: 36px;
}
.calc-wrap label { display: block; font-size: 16px; font-weight: 600; margin-bottom: 8px; }
.calc-wrap select, .calc-wrap input[type="number"] {
  width: 100%; padding: 12px 16px; border: 1px solid var(--line);
  border-radius: var(--radius); font-size: 17px; margin-bottom: 16px;
  background: #fff;
}
.calc-options {
  margin-bottom: 8px;
  padding: 16px;
  background: var(--bg-soft);
  border-radius: var(--radius);
  border: 1px solid var(--line);
}
.calc-check {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 16px;
  font-weight: 500;
  cursor: pointer;
}
.calc-check input {
  width: 18px;
  height: 18px;
  accent-color: var(--accent);
}
.calc-options-hint {
  margin-top: 10px;
  font-size: 14px;
  color: var(--muted);
  line-height: 1.5;
}
.price-display { margin-bottom: 20px; }
.price-value { font-size: 24px; font-weight: 700; color: var(--accent); }
.price-meta { font-size: 14px; color: var(--muted); margin-top: 6px; }
.calc-results {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 18px;
  padding-top: 22px; border-top: 1px solid var(--line);
}
.calc-results dt { font-size: 14px; color: var(--muted); margin-bottom: 6px; }
.calc-results dd { font-size: 19px; font-weight: 700; color: var(--accent); }

.faq-list { max-width: 720px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--line); padding: 20px 0;
}
.faq-item summary {
  font-size: 17px; font-weight: 600; cursor: pointer;
  list-style: none; display: flex; justify-content: space-between; align-items: center;
}
.faq-item summary::after { content: "+"; font-size: 22px; color: var(--muted); }
.faq-item[open] summary::after { content: "−"; }
.faq-item p { margin-top: 12px; font-size: 16px; color: var(--muted); line-height: 1.75; }

.site-footer {
  background: #0a0b0d; color: rgba(255,255,255,0.72);
  padding: 52px 0 36px; font-size: 15px;
}
.footer-inner { display: flex; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
.footer-brand-row {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 12px;
}
.footer-logo {
  flex-shrink: 0;
  width: 36px;
  height: 36px;
  object-fit: contain;
}
.footer-brand { color: #fff; font-size: 20px; font-weight: 700; margin-bottom: 0; }
.footer-channel-link {
  color: #fff;
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 3px;
}
.footer-channel-link:hover { opacity: 0.92; }
.footer-contact { margin-top: 16px; font-size: 15px; line-height: 1.8; opacity: 0.95; }
.footer-contact p { margin: 0 0 4px 0; }
.footer-links { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-links a:hover { color: #fff; }
.footer-copy { text-align: center; margin-top: 32px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.15); }

.modal {
  display: none; position: fixed; inset: 0; z-index: 1000;
  background: rgba(0,0,0,0.5); align-items: center; justify-content: center;
  padding: 20px;
}
.modal.is-open { display: flex; }
.modal-box {
  background: #fff; border-radius: 16px; padding: 32px;
  width: 100%; max-width: 440px; max-height: 90vh; overflow-y: auto;
  box-shadow: 0 20px 60px rgba(0,0,0,0.15);
  -webkit-overflow-scrolling: touch;
}
.modal-box--signup {
  max-width: min(480px, 100%);
}
.modal-box h2 { font-size: 22px; color: var(--accent); margin-bottom: 20px; }
.modal-close {
  float: right; background: none; border: none;
  font-size: 24px; color: var(--muted); cursor: pointer;
}

.form-group { margin-bottom: 16px; }
.form-group label { display: block; font-size: 14px; font-weight: 600; margin-bottom: 6px; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 10px 14px; border: 1px solid var(--line);
  border-radius: var(--radius); font-size: 15px; background: #fff;
}
.form-group textarea { resize: vertical; min-height: 100px; }
.address-field-group .address-field-label {
  display: block;
  font-size: 16px;
  font-weight: 600;
  margin-bottom: 8px;
}
.address-search-row {
  margin-bottom: 10px;
}
.btn-address-search {
  width: 100%;
  min-height: 48px;
  font-size: 16px;
  justify-content: center;
}
.address-fields {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.address-fields label:not(.sr-only) {
  display: block;
  font-size: 15px;
  font-weight: 600;
  margin-bottom: 4px;
  margin-top: 2px;
}
.input-postcode {
  max-width: 160px;
}
.input-postcode,
.input-address-base {
  background: var(--bg-soft);
  cursor: default;
  color: var(--text);
}
.input-address-detail {
  font-size: 16px;
  min-height: 48px;
}
.address-hint {
  font-size: 13px;
  color: var(--muted);
  line-height: 1.55;
  margin-top: 10px;
  margin-bottom: 0;
}
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}
@media (min-width: 481px) {
  .btn-address-search {
    width: auto;
    min-width: 180px;
  }
}
@media (max-width: 480px) {
  #signup-modal.modal {
    padding: 12px;
    align-items: flex-end;
  }
  #signup-modal .modal-box--signup {
    max-height: min(94vh, 100%);
    border-radius: 16px 16px 0 0;
    padding: 24px 20px max(24px, env(safe-area-inset-bottom));
  }
}
.form-message { font-size: 13px; color: var(--danger); margin-top: 8px; }
.form-message.success { color: var(--success); }

.choice-group { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 16px; }
.choice-button {
  padding: 8px 16px; border: 1px solid var(--line);
  border-radius: var(--radius); background: #fff;
  font-size: 14px; font-weight: 500; cursor: pointer; transition: all 0.15s;
}
.choice-button.is-active {
  background: var(--accent); color: #fff; border-color: var(--accent);
}
.choice-group-coins .choice-button {
  font-size: 15px;
  padding: 10px 14px;
  line-height: 1.35;
}
.choice-group-coins .coin-name-ko { font-weight: 600; }
.choice-group-coins .coin-sym {
  color: var(--muted);
  font-weight: 600;
  font-size: 14px;
}
.choice-group-coins .choice-button.is-active .coin-sym { color: rgba(255, 255, 255, 0.92); }

.page-wrap { padding: 40px 0 80px; min-height: 70vh; }
.page-title { font-size: 24px; font-weight: 700; color: var(--accent); margin-bottom: 24px; }

.inquiry-item {
  background: var(--card); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 20px; margin-bottom: 12px;
}
.inquiry-item strong { display: block; margin-bottom: 6px; }
.inquiry-item span { display: block; font-size: 14px; color: var(--muted); margin-bottom: 4px; }

.loan-grid { display: grid; grid-template-columns: 1fr 340px; gap: 32px; }
.loan-summary {
  background: var(--bg-soft); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 24px; position: sticky; top: 80px;
  align-self: start;
}
.loan-summary h3 { font-size: 16px; color: var(--accent); margin-bottom: 16px; }
.loan-summary dl { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.loan-summary dt { font-size: 13px; color: var(--muted); }
.loan-summary dd { font-size: 14px; font-weight: 600; text-align: right; }

.admin-table { width: 100%; border-collapse: collapse; font-size: 13px; }
.admin-table th, .admin-table td {
  padding: 10px 14px; text-align: left;
  border-bottom: 1px solid var(--line);
}
.admin-table th { background: var(--bg-soft); font-weight: 600; }
.admin-actions { display: flex; gap: 6px; }
.admin-bulk-actions { display: flex; gap: 8px; align-items: center; }
.admin-table input[type="checkbox"] { cursor: pointer; }
.admin-online-stats { display: flex; gap: 20px; flex-wrap: wrap; margin-bottom: 24px; }
.online-stat-card {
  background: var(--bg-soft); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 20px 28px; min-width: 140px; text-align: center;
}
.online-stat-value { display: block; font-size: 28px; font-weight: 700; color: var(--accent); }
.online-stat-label { font-size: 13px; color: var(--muted); }

.schedule-table { width: 100%; border-collapse: collapse; font-size: 13px; margin-top: 16px; }
.schedule-table th, .schedule-table td {
  padding: 10px 14px; text-align: left;
  border-bottom: 1px solid var(--line);
}
.schedule-table th { background: var(--bg-soft); font-weight: 600; }

.deposit-address {
  background: var(--bg-soft); padding: 12px; border-radius: var(--radius);
  font-family: monospace; font-size: 13px; word-break: break-all;
  margin: 12px 0;
}
.deposit-amount-line {
  font-size: 15px;
  font-weight: 700;
  color: var(--text);
  margin: 12px 0;
  line-height: 1.5;
}
.deposit-usdt-block {
  margin-top: 8px;
  padding: 14px;
  background: var(--bg-soft);
  border-radius: var(--radius);
  border: 1px solid var(--line);
}
.deposit-usdt-desc {
  margin: 0;
  font-size: 14px;
  line-height: 1.65;
  color: var(--text);
}
.deposit-qr { display: block; margin: 16px auto; width: 200px; height: 200px; }
.deposit-countdown {
  font-size: 32px; font-weight: 700; color: var(--accent);
  text-align: center; margin: 12px 0;
}

.helper { font-size: 14px; color: var(--muted); padding: 20px 0; }

.deposit-exchange-notice {
  padding: 12px 14px;
  background: var(--bg-soft);
  border-radius: var(--radius);
  border-left: 4px solid var(--accent);
  font-size: 12px;
  line-height: 1.65;
  color: var(--text);
}
#deposit-modal .deposit-exchange-notice {
  font-size: 11px;
  padding: 10px 12px;
  line-height: 1.6;
}
.deposit-exchange-notice p {
  margin: 0;
}
.deposit-exchange-notice p + p {
  margin-top: 8px;
  padding-top: 8px;
  border-top: 1px solid var(--line);
}
#deposit-modal .deposit-exchange-notice p + p {
  margin-top: 6px;
  padding-top: 6px;
}
.deposit-exchange-notice .deposit-notice-no {
  color: var(--muted);
}
.deposit-exchange-notice .deposit-notice-ok {
  color: var(--accent);
  font-weight: 600;
}
.is-hidden { display: none !important; }
.text-center { text-align: center; }
.mt-8 { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mb-16 { margin-bottom: 16px; }

.legal-wrap { max-width: 720px; margin: 0 auto; padding: 40px 0 80px; }
.legal-wrap h1 { font-size: 24px; color: var(--accent); margin-bottom: 24px; }
.legal-wrap .legal-updated { font-size: 13px; color: var(--muted); margin: 24px 0 8px; }
.legal-wrap h2 { font-size: 18px; color: var(--accent); margin: 24px 0 12px; }
.legal-wrap p, .legal-wrap li { font-size: 14px; color: var(--muted); line-height: 1.8; margin-bottom: 8px; }
.legal-wrap ul { padding-left: 20px; }

@media (max-width: 768px) {
  .header-inner { flex-wrap: wrap; }
  .nav { display: none; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-visual { display: none; }
  .hero-stats { justify-content: flex-start; }
  .loan-grid { grid-template-columns: 1fr; }
  .loan-summary { position: static; }
  .calc-results { grid-template-columns: 1fr 1fr; }
  .footer-inner { flex-direction: column; }
}