/* =========================================
   정책자금 및 수출금융 페이지 (policy-finance.html)
   기본 변수·헤더·푸터는 styles.css 를 공유한다.
   ========================================= */

html {
    scroll-behavior: smooth;
}

.pf-section,
.pf-hero {
    scroll-margin-top: 80px;
}

#part1,
#part2 {
    scroll-margin-top: 70px;
}

.logo a {
    color: inherit;
}

/* ── Hero ── */
.pf-hero {
    background: linear-gradient(135deg, #0d1e38 0%, #1a3a6c 100%);
    color: #fff;
    text-align: center;
    padding: 150px 0 80px;
    position: relative;
}

.pf-hero h2 {
    font-family: var(--font-heading);
    font-size: 2.8rem;
    line-height: 1.25;
    margin: 6px 0 18px;
}

.pf-hero p {
    font-size: 1.15rem;
    opacity: 0.92;
    margin-bottom: 34px;
}

.pf-back {
    display: inline-block;
    font-size: 0.9rem;
    opacity: 0.8;
    margin-bottom: 24px;
}

.pf-back:hover {
    opacity: 1;
    color: var(--secondary-color);
}

.pf-hero-btns {
    display: flex;
    justify-content: center;
    gap: 16px;
    flex-wrap: wrap;
}

.pf-br {
    display: none;
}

/* ── Section ── */
.pf-section {
    padding: 90px 0;
}

.pf-lead {
    max-width: 640px;
    margin: 22px auto 0;
    color: #666;
}

.pf-group-title {
    display: flex;
    align-items: center;
    gap: 10px;
    margin: 50px 0 20px;
    font-size: 1.15rem;
    color: var(--primary-color);
    border-left: 4px solid var(--secondary-color);
    padding-left: 12px;
}

.pf-group-title i {
    color: var(--secondary-color);
}

/* ── 1부: 사이트 카드 ── */
.pf-site-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

.pf-site {
    background: #fff;
    border: 1px solid #eee;
    border-radius: 8px;
    padding: 26px 22px;
    display: flex;
    flex-direction: column;
    gap: 10px;
    transition: var(--transition);
}

.pf-site:hover {
    transform: translateY(-5px);
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.08);
    border-color: transparent;
}

.pf-site h5 {
    font-size: 1.15rem;
    color: var(--primary-color);
}

.pf-site-url {
    font-size: 0.82rem;
    color: var(--secondary-color);
    font-weight: 700;
    letter-spacing: 0.3px;
}

.pf-site p {
    font-size: 0.92rem;
    color: #555;
}

.pf-site-for {
    background: var(--accent-color);
    border-radius: 4px;
    padding: 8px 10px;
}

.pf-site-for strong {
    color: var(--primary-color);
    margin-right: 4px;
}

.pf-site-link {
    margin-top: auto;
    padding-top: 6px;
    font-weight: 700;
    font-size: 0.9rem;
    color: var(--primary-color);
}

.pf-site-link:hover {
    color: var(--secondary-color);
}

/* ── 1부: 접근 순서 ── */
.pf-flow {
    list-style: none;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    counter-reset: none;
}

.pf-flow li {
    position: relative;
    background: var(--primary-color);
    color: #fff;
    border-radius: 8px;
    padding: 28px 24px 26px;
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.pf-flow li:not(:last-child)::after {
    content: "\f054";
    font-family: "Font Awesome 6 Free";
    font-weight: 900;
    position: absolute;
    right: -19px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--secondary-color);
    font-size: 1rem;
    z-index: 1;
}

.pf-flow-num {
    width: 34px;
    height: 34px;
    border-radius: 50%;
    background: var(--secondary-color);
    color: var(--primary-color);
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
}

.pf-flow strong {
    font-size: 1.1rem;
}

.pf-flow span:last-child {
    font-size: 0.92rem;
    opacity: 0.88;
}

/* ── 2부: 안내문 ── */
.pf-notice {
    display: flex;
    gap: 12px;
    align-items: flex-start;
    background: #fffaf0;
    border: 1px solid #efe0bd;
    border-radius: 8px;
    padding: 14px 18px;
    margin-bottom: 26px;
    font-size: 0.88rem;
    color: #6b5a30;
}

.pf-notice i {
    margin-top: 4px;
    color: var(--secondary-color);
}


/* ── 2부: 기관 탭 ── */
.pf-tabs {
    display: flex;
    gap: 8px;
    overflow-x: auto;
    padding-bottom: 6px;
    border-bottom: 2px solid #e5e5e5;
    scrollbar-width: thin;
}

.pf-tab {
    flex: 0 0 auto;
    font-family: inherit;
    font-size: 0.95rem;
    font-weight: 500;
    padding: 11px 18px;
    background: none;
    border: none;
    border-bottom: 3px solid transparent;
    margin-bottom: -8px;
    color: #666;
    cursor: pointer;
    white-space: nowrap;
}

.pf-tab em {
    font-style: normal;
    font-size: 0.78rem;
    background: #e9ecef;
    color: #666;
    padding: 1px 7px;
    border-radius: 999px;
    margin-left: 4px;
}

.pf-tab:hover {
    color: var(--primary-color);
}

.pf-tab.is-active {
    color: var(--primary-color);
    font-weight: 700;
    border-bottom-color: var(--secondary-color);
}

.pf-tab.is-active em {
    background: var(--primary-color);
    color: #fff;
}

/* ── 상담 연결 ── */
.pf-cta {
    background: linear-gradient(135deg, #0d1e38 0%, #1a3a6c 100%);
    color: #fff;
    text-align: center;
    padding: 70px 0;
}

.pf-cta h3 {
    font-size: 1.9rem;
    margin-bottom: 14px;
}

.pf-cta p {
    opacity: 0.9;
    margin-bottom: 30px;
}

.pf-cta-btns {
    display: flex;
    justify-content: center;
    gap: 14px;
    flex-wrap: wrap;
    align-items: center;
}


/* ── 2부: 기관 탭 보강 ── */
.pf-tab em {
    font-size: 0.74rem;
}

.pf-tab:focus-visible {
    outline: 2px solid var(--secondary-color);
    outline-offset: -2px;
}

.pf-tab-soon,
.pf-tab-soon:hover {
    color: #aaa;
    cursor: default;
}

.pf-tab-soon em {
    background: #f1f1f1;
    color: #aaa;
}

.pf-panel {
    margin-top: 28px;
}

.pf-panel[hidden] {
    display: none;
}

.pf-soon-note {
    margin-top: 36px;
    padding-top: 18px;
    border-top: 1px dashed #d8d8d8;
    font-size: 0.88rem;
    color: #888;
    text-align: center;
}

/* ── 2부: 기관 머리말 ── */
.pf-orghead {
    background: #fff;
    border: 1px solid #e5e5e5;
    border-top: 4px solid var(--secondary-color);
    border-radius: 10px;
    padding: 24px 28px;
    display: grid;
    gap: 16px;
}

.pf-orghead h4 {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    color: var(--primary-color);
    margin: 0 0 4px;
}

.pf-tagline {
    color: #555;
    font-size: 0.95rem;
    margin: 0;
}

.pf-orgfacts {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 12px 24px;
    margin: 0;
}

.pf-orgfacts dt {
    font-size: 0.78rem;
    color: #999;
    font-weight: 500;
}

.pf-orgfacts dd {
    margin: 2px 0 0;
    font-size: 0.9rem;
    color: #333;
    line-height: 1.5;
}

.pf-orglinks {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

.pf-btn {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 0.85rem;
    font-weight: 500;
    padding: 8px 14px;
    border: 1px solid var(--primary-color);
    border-radius: 6px;
    color: var(--primary-color);
    background: #fff;
    transition: background 0.2s, color 0.2s;
}

.pf-btn:hover {
    background: var(--primary-color);
    color: #fff;
}

/* ── 2부: 바로가기·강조 ── */
.pf-jump {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin: 20px 0 4px;
}

.pf-jump a {
    font-size: 0.85rem;
    padding: 7px 14px;
    border-radius: 999px;
    background: #fff;
    border: 1px solid #dcdcdc;
    color: #444;
}

.pf-jump a:hover {
    border-color: var(--secondary-color);
    color: var(--primary-color);
}

.pf-callout {
    display: flex;
    gap: 12px;
    align-items: flex-start;
    margin: 16px 0 0;
    padding: 14px 18px;
    background: #fff8e6;
    border: 1px solid #f0dfb0;
    border-radius: 8px;
    font-size: 0.92rem;
    line-height: 1.6;
    color: #5c4a1c;
}

.pf-callout i {
    margin-top: 4px;
    color: var(--secondary-color);
}

/* ── 2부: 그룹·자금 카드 ── */
.pf-grp {
    margin-top: 40px;
    scroll-margin-top: 80px;
}

.pf-grp-title {
    font-family: var(--font-heading);
    font-size: 1.25rem;
    color: var(--primary-color);
    margin: 0 0 14px;
    padding-left: 12px;
    border-left: 4px solid var(--secondary-color);
}

.pf-grp-title small {
    display: block;
    font-family: 'Noto Sans KR', sans-serif;
    font-size: 0.82rem;
    font-weight: 400;
    color: #888;
    margin-top: 3px;
}

.pf-fund {
    background: #fff;
    border: 1px solid #e5e5e5;
    border-radius: 10px;
    padding: 22px 24px;
    scroll-margin-top: 80px;
}

.pf-fund-head {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 10px;
}

.pf-fund-head h6 {
    font-size: 1.15rem;
    color: var(--primary-color);
    margin: 0;
}

.pf-badge-ex {
    font-size: 0.74rem;
    font-weight: 700;
    padding: 3px 10px;
    border-radius: 999px;
    background: #eef2f8;
    color: var(--primary-color);
}

.pf-fund-sub {
    margin: 6px 0 16px;
    font-size: 0.92rem;
    color: #666;
}

.pf-source {
    margin: 14px 0 0;
    text-align: right;
    font-size: 0.82rem;
}

.pf-source a {
    color: var(--secondary-color);
    font-weight: 700;
}

.pf-h7 {
    font-weight: 700;
    font-size: 0.95rem;
    color: var(--primary-color);
    margin: 22px 0 8px;
}

.pf-h7 small {
    font-weight: 400;
    font-size: 0.8rem;
    color: #888;
    margin-left: 6px;
}

.pf-fund>.pf-table-wrap,
.pf-fund>.pf-two,
.pf-fund>.pf-list {
    margin-top: 12px;
}

.pf-two {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 8px 32px;
}

.pf-two .pf-h7 {
    margin-top: 6px;
}

.pf-list {
    list-style: none;
    margin: 0;
    padding: 0;
}

.pf-list li {
    position: relative;
    padding-left: 16px;
    font-size: 0.9rem;
    line-height: 1.6;
    color: #444;
    margin-bottom: 5px;
}

.pf-list li::before {
    content: "";
    position: absolute;
    left: 3px;
    top: 0.65em;
    width: 5px;
    height: 5px;
    border-radius: 50%;
    background: var(--secondary-color);
}

.pf-notes {
    margin-top: 16px;
    padding: 14px 16px 10px;
    background: #f7f8fa;
    border-radius: 8px;
}

.pf-foot {
    margin: 10px 0 0;
    font-size: 0.82rem;
    color: #888;
}

/* ── 2부: 표 ── */
.pf-table-wrap {
    overflow-x: auto;
    border: 1px solid #e5e5e5;
    border-radius: 8px;
}

.pf-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.88rem;
    line-height: 1.55;
    background: #fff;
}

.pf-table th,
.pf-table td {
    padding: 11px 14px;
    text-align: left;
    vertical-align: top;
    border-bottom: 1px solid #eee;
    color: #444;
}

.pf-table thead th {
    background: var(--primary-color);
    color: #fff;
    font-weight: 500;
    font-size: 0.82rem;
    white-space: nowrap;
}

.pf-table tbody th {
    background: #f7f8fa;
    color: var(--primary-color);
    font-weight: 700;
    min-width: 110px;
}

.pf-table tbody tr:last-child th,
.pf-table tbody tr:last-child td {
    border-bottom: none;
}

.pf-table tr.is-hl th,
.pf-table tr.is-hl td {
    background: #fff8e6;
}

.pf-table small {
    display: block;
    margin-top: 3px;
    font-size: 0.78rem;
    font-weight: 400;
    color: #888;
}

.pf-table-semas td:nth-child(4),
.pf-table-semas td:nth-child(3) {
    min-width: 130px;
}

.pf-verify {
    display: inline-block;
    font-size: 0.7rem;
    font-weight: 700;
    padding: 1px 7px;
    border-radius: 999px;
    background: #fdecea;
    color: #b3412f;
    vertical-align: middle;
    cursor: help;
}

/* ── 반응형: 2부 ── */
@media (max-width: 768px) {
    .pf-orghead {
        padding: 20px 18px;
    }

    .pf-fund {
        padding: 18px 16px;
    }

    .pf-orgfacts {
        grid-template-columns: 1fr;
    }

    .pf-table-wrap {
        border: none;
        overflow: visible;
    }

    .pf-table,
    .pf-table tbody,
    .pf-table tr,
    .pf-table th,
    .pf-table td {
        display: block;
        width: 100%;
    }

    .pf-table thead {
        display: none;
    }

    .pf-table tbody tr {
        border: 1px solid #e5e5e5;
        border-radius: 8px;
        margin-bottom: 12px;
        overflow: hidden;
    }

    .pf-table tbody th {
        min-width: 0;
        border-bottom: 1px solid #e5e5e5;
    }

    .pf-table td {
        border-bottom: 1px solid #f0f0f0;
    }

    .pf-table td::before {
        content: attr(data-label);
        display: block;
        font-size: 0.74rem;
        font-weight: 700;
        color: #999;
        margin-bottom: 2px;
    }

    .pf-table tbody tr:last-child th,
    .pf-table tbody tr:last-child td {
        border-bottom: 1px solid #f0f0f0;
    }

    .pf-table tbody tr td:last-child {
        border-bottom: none;
    }
}

@media (max-width: 1100px) {
    .pf-site-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 768px) {
    .pf-hero {
        padding: 50px 0 56px;
    }

    .pf-hero h2 {
        font-size: 2rem;
    }

    .pf-hero p {
        font-size: 1rem;
    }

    .pf-br {
        display: inline;
    }

    .pf-section {
        padding: 50px 0 !important;
    }

    .pf-section .container {
        padding: 0 20px;
    }

    .pf-site-grid {
        grid-template-columns: 1fr;
    }

    .pf-flow {
        grid-template-columns: 1fr;
    }

    .pf-flow li:not(:last-child)::after {
        content: "\f078";
        right: auto;
        left: 50%;
        top: auto;
        bottom: -19px;
        transform: translateX(-50%);
    }

    .pf-cta h3 {
        font-size: 1.5rem;
    }

    .pf-cta .btn,
    .pf-cta .btn-kakao {
        width: 100%;
        justify-content: center;
    }
}

/* ── 무역보험 페이지(trade-insurance.html) ── */
.ti-steps { counter-reset: tistep; list-style: none; margin: 0 0 40px; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 14px; }
.ti-steps li { background: #fff; border: 1px solid #e6e1d4; border-top: 3px solid var(--gold, #c5a059); border-radius: 8px; padding: 16px; display: flex; flex-direction: column; gap: 6px; font-size: 0.92rem; line-height: 1.5; color: #444; }
.ti-steps strong { color: var(--navy, #0d1e38); font-size: 1rem; }
.ti-steps li::before { counter-increment: tistep; content: counter(tistep); width: 26px; flex: none; height: 26px; border-radius: 50%; background: var(--navy, #0d1e38); color: #fff; font-size: 0.8rem; display: inline-flex; align-items: center; justify-content: center; }
.pf-kon { display: flex; align-items: center; justify-content: space-between; gap: 20px; flex-wrap: wrap; background: #fff; border: 1px solid #e6e1d4; border-left: 4px solid var(--gold, #c5a059); border-radius: 8px; padding: 22px 24px; }
.pf-kon h6 { margin: 0 0 6px; font-size: 1.1rem; color: var(--navy, #0d1e38); }
.pf-kon p { margin: 0; color: #555; }
@media (max-width: 768px) { .pf-kon { padding: 18px; } .pf-kon .btn { width: 100%; text-align: center; } }

/* ── 글로벌 진출 페이지(global-expansion.html) ── */
.pf-cellnote { display: block; margin-top: 4px; font-size: 0.86em; color: #6b6b6b; }

/* ── 하위 페이지 공통 내비게이션 ── */
.pf-floatnav { position: fixed; left: 16px; bottom: 16px; z-index: 900; display: flex; gap: 8px; }
.pf-floatnav button { font-family: inherit; cursor: pointer; border: none; border-radius: 24px; background: var(--navy, #0d1e38); color: #fff; box-shadow: 0 4px 14px rgba(0,0,0,.25); font-size: 0.92rem; padding: 11px 18px; display: inline-flex; align-items: center; gap: 8px; }
.pf-floatnav .pf-fn-top { background: #fff; color: var(--navy, #0d1e38); width: 42px; height: 42px; padding: 0; justify-content: center; }
.pf-floatnav button:hover { background: var(--gold, #c5a059); color: #fff; }
.pf-uplink { display: inline-block; margin-top: 14px; font-size: 0.9rem; color: var(--navy, #0d1e38); text-decoration: none; border-bottom: 1px solid var(--gold, #c5a059); }
.pf-uplink:hover { color: var(--gold, #c5a059); }
@media (max-width: 768px) { .pf-floatnav { left: 10px; bottom: 10px; } .pf-floatnav button { font-size: 0.85rem; padding: 10px 14px; } .pf-floatnav .pf-fn-top { width: 38px; height: 38px; } }

/* ── 정책자금 기준금리 (상단 1부·2부 버튼 사이, 작은 독립 버튼) ── */
.pf-hero-rate { display: inline-flex; align-items: center; gap: 8px; align-self: center; padding: 8px 16px; border: 1px solid var(--gold, #c5a059); border-radius: 22px; background: rgba(255,255,255,.08); color: #fff !important; font-size: .9rem; font-weight: 600; text-decoration: none; }
.pf-hero-rate i:first-child { color: var(--gold, #c5a059); }
.pf-hero-rate i:last-child { font-size: .75em; opacity: .8; }
.pf-hero-rate:hover { background: rgba(255,255,255,.16); }

/* ── 표 안 링크 ── */
.pf-tlink { color: var(--navy, #0d1e38); font-weight: 600; text-decoration: underline; text-decoration-color: var(--gold, #c5a059); text-underline-offset: 3px; }
.pf-tlink:hover { color: var(--gold, #c5a059); }

/* 무역보험 활용사례 */
.pf-h8 { margin: 18px 0 6px; font-size: 1rem; font-weight: 700; color: var(--primary-color); }
.pf-case { margin: 0 0 12px; line-height: 1.85; color: #333; font-size: 0.97rem; }
.pf-bigquote { text-align: center; font-size: 1.1rem; font-weight: 700; color: var(--primary-color); margin: 10px 0 14px; }
.pf-quote { margin: 8px 0 14px; padding: 14px 18px; background: #faf8f2; border-left: 3px solid var(--secondary-color); border-radius: 6px; }
.pf-quote p { margin: 0 0 6px; line-height: 1.85; color: #333; font-size: 0.95rem; }
.pf-quote cite { display: block; text-align: right; font-style: normal; font-size: 0.85rem; color: #888; }
.pf-closing { text-align: center; font-weight: 700; color: var(--primary-color); margin-top: 20px; }

/* 활용사례 칩: 황금색으로 구분 */
.pf-jump a.pf-jump-gold { background: var(--secondary-color); border-color: var(--secondary-color); color: var(--primary-color); font-weight: 700; }
.pf-jump a.pf-jump-gold:hover { background: #b08d48; border-color: #b08d48; color: var(--primary-color); }

/* 흰 배경 위 금색 글자 대비 확보 */
.pf-source a, .pf-site-url { color: var(--gold-text, #8a6a1f); }