/* ═══════════════════════════════════════
   LOAN DETAIL - FIXED TOP NAVIGATION (REFINED)
   ═══════════════════════════════════════ */

/* 1. Navy Navbar - 완전 불투명 고정 */
.dark-nav { 
    background: #0a0e14 !important; 
    position: fixed !important; 
    top: 0; 
    left: 0; 
    width: 100%; 
    height: 70px; 
    z-index: 1000; 
    display: flex;
    align-items: center;
}

/* 2. White Back Bar */
.back-bar {
    position: fixed;
    top: 70px; 
    left: 0; 
    width: 100%;
    background: #fff; 
    z-index: 990;
    border-bottom: 1px solid #eee;
    padding: 30px 0 15px; 
}

.back-link {
    display: inline-block;
    color: var(--gold);
    text-decoration: none;
    font-weight: 700;
    font-size: 0.95rem;
    transition: 0.3s;
}
.back-link:hover { transform: translateX(-5px); }

/* Desktop: 줄바꿈 방지 */
.mobile-br { display: inline; }

/* 3. 본문 컨텐츠 여백 */
.container { 
    max-width: 1200px; 
    margin: 0 auto; 
    padding: 160px 20px 60px; 
}

.page-hero { text-align: center; margin-bottom: 25px; }
.page-hero h1 { font-family: var(--font-playfair); font-size: 3.5rem; font-weight: 900; margin-bottom: 10px; }
.page-hero h1 em { color: var(--gold); font-style: italic; }
.page-hero p { color: #666; font-size: 1.1rem; max-width: 700px; margin: 0 auto; }

.tabs-nav { 
    display: flex; 
    justify-content: center; 
    gap: 15px; 
    margin-bottom: 30px; 
    border-bottom: 1px solid #eee; 
    padding-bottom: 20px; 
    background: #fff;
}

.tab-btn { 
    background: none; 
    border: 1px solid #eee; 
    padding: 12px 25px; 
    font-family: var(--font-dm); 
    font-weight: 700; 
    color: #666; 
    cursor: pointer; 
    border-radius: 8px; 
    transition: 0.3s; 
}
.tab-btn:hover { background: #fdfaf3; border-color: var(--gold); }
.tab-btn.active { background: var(--navy); color: #fff; border-color: var(--navy); }

.loan-panel { 
    background: #fff; 
    border-radius: 20px; 
    box-shadow: 0 10px 40px rgba(0,0,0,0.05); 
    padding: 50px; 
    animation: fadeIn 0.5s ease; 
}

@keyframes fadeIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: translateY(0); } }

.panel-header { display: flex; gap: 35px; margin-bottom: 45px; align-items: center; }
.panel-icon { font-size: 3rem; background: #fdfaf3; width: 90px; height: 90px; display: flex; align-items: center; justify-content: center; border-radius: 18px; }
.panel-title h2 { font-family: var(--font-playfair); font-size: 2.2rem; margin-bottom: 5px; }
.subtitle-text { font-size: 1.1rem; color: #666; }
.panel-tag { background: var(--gold); color: var(--navy); padding: 5px 15px; border-radius: 50px; font-size: 0.85rem; font-weight: 800; display: inline-block; margin-top: 10px; }

.specs-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 20px; margin-bottom: 45px; }
.spec-card { background: #fdfaf3; padding: 25px; border-radius: 14px; border-left: 4px solid var(--gold); }
.spec-label { font-size: 0.75rem; color: #8a7344; text-transform: uppercase; font-weight: 700; margin-bottom: 8px; letter-spacing: 1px; }
.spec-value { font-size: 1.3rem; font-weight: 700; color: var(--navy); }

.procon { display: grid; grid-template-columns: 1fr 1fr; gap: 30px; margin-bottom: 45px; }
.procon-box { padding: 30px; border-radius: 16px; }
.pros { background: #f0f9f0; }
.cons { background: #fff5f5; }
.procon-title { font-weight: 800; margin-bottom: 15px; display: flex; align-items: center; gap: 10px; }
.procon-list { list-style: none; }
.procon-list li { margin-bottom: 12px; font-size: 0.95rem; position: relative; padding-left: 20px; color: #444; }
.procon-list li::before { content: "•"; position: absolute; left: 0; color: var(--gold); font-weight: 900; }

.panel-cta { text-align: center; padding: 45px; background: var(--navy); border-radius: 20px; color: #fff; }
.panel-cta h3 { font-family: var(--font-playfair); font-size: 1.6rem; margin-bottom: 25px; }

/* 4. 모바일 최적화 */
@media (max-width: 768px) {
    .dark-nav { height: 60px; }
    .back-bar { top: 60px; padding: 25px 0 10px; } 
    .container { padding: 130px 15px 40px; }
    
    /* Mobile: 강제 줄바꿈 */
    .mobile-br { 
        display: block; 
        margin-top: 5px; 
        font-size: 0.9rem;
        color: #888;
    }

    .tabs-nav { 
        display: grid;
        grid-template-columns: repeat(4, 1fr);
        gap: 5px; 
        padding: 10px 0;
        margin-bottom: 20px;
    }
    
    .tab-btn { padding: 8px 2px; font-size: 0.62rem; }
    .page-hero h1 { font-size: 2.2rem; }
    .loan-panel { padding: 30px 20px; }
    .panel-header { flex-direction: column; text-align: center; gap: 15px; }
    .specs-grid { grid-template-columns: 1fr 1fr; }
    .procon { grid-template-columns: 1fr; }
}