:root {
    /* 기본 테마: 라이트 (AdSense 친화적) */
    --bg-color: #f8fafc;
    --bg-secondary: #ffffff;
    --card-bg: #ffffff;
    --card-border: #e2e8f0;
    --accent: #4f46e5;
    --accent-hover: #4338ca;
    --green: #10b981;
    --red: #ef4444;
    --orange: #f59e0b;
    --text-main: #0f172a;
    --text-secondary: #334155;
    --text-muted: #64748b;
}

.cat-badge {
    display: inline-block;
    padding: 0.15rem 0.4rem;
    border-radius: 4px;
    font-size: 0.7rem;
    font-weight: 600;
    white-space: nowrap;
}
.cat-sale { background: #dbeafe; color: #1e40af; }
.cat-rent { background: #fef3c7; color: #92400e; }
.cat-presale { background: #e0e7ff; color: #3730a3; }
.cat-officetel { background: #d1fae5; color: #065f46; }

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

body {
    font-family: 'Inter', -apple-system, sans-serif;
    background-color: var(--bg-color);
    color: var(--text-main);
    line-height: 1.6;
    min-height: 100vh;
}

/* ========== HEADER ========== */
.app-header {
    background: var(--bg-secondary);
    border-bottom: 1px solid var(--card-border);
    padding: 1rem 2rem;
    position: sticky;
    top: 0;
    z-index: 100;
}

.header-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 0.5rem;
}

.header-nav-bar {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 1rem;
}

.header-content h1 {
    font-size: 1.4rem;
    font-weight: 800;
    color: var(--text-main);
    letter-spacing: -0.02em;
}

.subtitle {
    color: var(--text-muted);
    font-weight: 400;
    font-size: 1rem;
}

.header-stats {
    font-size: 0.85rem;
    color: var(--text-muted);
    display: flex;
    gap: 1.5rem;
    align-items: center;
}

.header-stats .stat-badge {
    background: #e0e7ff;
    color: var(--accent);
    padding: 0.25rem 0.75rem;
    border-radius: 8px;
    font-weight: 600;
    font-size: 0.8rem;
}

/* ========== NAV TABS ========== */
.view-tabs {
    display: flex;
    gap: 0.25rem;
    background: #f1f5f9;
    padding: 0.25rem;
    border-radius: 8px;
    width: fit-content;
}

.tab-btn {
    background: transparent;
    border: none;
    color: var(--text-muted);
    font-size: 0.9rem;
    font-weight: 600;
    cursor: pointer;
    padding: 0.5rem 1.25rem;
    border-radius: 6px;
    transition: background 0.2s, color 0.2s;
}

.tab-btn:hover {
    color: var(--text-secondary);
    background: #e2e8f0;
}

.tab-btn.active {
    color: #fff;
    background: var(--accent);
}

.theme-toggle-btn {
    background: #f1f5f9;
    border: 1px solid var(--card-border);
    color: var(--text-main);
    padding: 0.5rem 1rem;
    border-radius: 6px;
    cursor: pointer;
    font-weight: 600;
}

/* ========== LAYOUT ========== */
.container {
    max-width: 1400px;
    margin: 0 auto;
    padding: 1.5rem 2rem;
}

.view-section {
    display: none;
}

.view-section.active {
    display: block;
}

/* ========== SOLID PANELS ========== */
.glass-panel {
    background: var(--card-bg);
    border: 1px solid var(--card-border);
    border-radius: 8px;
    padding: 1.25rem;
    margin-bottom: 1.25rem;
}

button {
    font-family: inherit;
    font-size: inherit;
    color: inherit;
    background: none;
    border: none;
    outline: none;
    appearance: none;
    -webkit-appearance: none;
    box-sizing: border-box;
}

/* ========== CONTROLS ========== */
.controls {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    padding: 1.25rem 1.5rem;
}

.controls-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 1rem;
    width: 100%;
}

.district-filters {
    display: flex;
    gap: 0.5rem;
    flex-wrap: wrap;
    align-items: center;
    width: 100%;
    border-bottom: 1px solid var(--card-border);
    padding-bottom: 0.85rem;
}

.district-btn, .year-btn, .month-btn {
    background: #f8fafc;
    border: 1px solid var(--card-border);
    color: var(--text-secondary);
    padding: 0.45rem 1.2rem;
    border-radius: 8px;
    font-size: 0.85rem;
    font-weight: 600;
    cursor: pointer;
    user-select: none;
}

.district-btn:hover, .year-btn:hover, .month-btn:hover {
    background: #e2e8f0;
    color: var(--text-main);
}

.district-btn.active, .year-btn.active, .month-btn.active {
    background: var(--accent);
    color: #ffffff !important;
    border-color: var(--accent) !important;
}

.year-filters, .month-filters {
    display: flex;
    gap: 0.4rem;
    flex-wrap: wrap;
    align-items: center;
}

.year-btn {
    padding: 0.35rem 0.9rem;
    font-size: 0.82rem;
}

.drop-badge {
    background: #fee2e2;
    color: var(--red);
    border: 1px solid #fecaca;
    padding: 0.2rem 0.6rem;
    border-radius: 6px;
    font-weight: 800;
    font-size: 0.85rem;
}

.date-picker-wrap {
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.date-picker-wrap label {
    color: var(--text-muted);
    font-size: 0.85rem;
}

.custom-select, .search-input {
    background: #ffffff;
    border: 1px solid var(--card-border);
    color: var(--text-main);
    padding: 0.5rem 1rem;
    border-radius: 8px;
    font-family: inherit;
    font-size: 0.9rem;
    outline: none;
}

.custom-select:focus, .search-input:focus {
    border-color: var(--accent);
}

.search-input {
    min-width: 220px;
}

/* ========== LEGEND ========== */
.legend {
    display: flex;
    gap: 1.5rem;
    align-items: center;
    font-size: 0.8rem;
    color: var(--text-muted);
    margin-top: 0.5rem;
}

.legend-item {
    display: flex;
    align-items: center;
    gap: 0.4rem;
}

.legend-dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
}

.legend-dot.normal { background: var(--accent); }
.legend-dot.cancel { background: var(--red); }

/* ========== SUMMARY STATS ========== */
.summary-stats {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(130px, 1fr));
    gap: 1rem;
}

.stat-item {
    text-align: center;
    padding: 0.5rem;
}

.stat-label {
    font-size: 0.75rem;
    color: var(--text-muted);
    text-transform: uppercase;
    margin-bottom: 0.25rem;
    display: block;
}

.stat-value {
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--accent);
}

/* ========== TABLE ========== */
.table-container, .table-wrapper {
    overflow-x: auto;
    width: 100%;
}

.data-table {
    width: 100%;
    border-collapse: collapse;
    text-align: left;
    min-width: 600px;
}

.data-table th {
    padding: 0.85rem 1rem;
    font-weight: 600;
    font-size: 0.8rem;
    color: var(--text-muted);
    text-transform: uppercase;
    border-bottom: 2px solid var(--card-border);
    background: #f8fafc;
    white-space: nowrap;
    cursor: pointer;
}

.data-table td {
    padding: 0.75rem 1rem;
    border-bottom: 1px solid var(--card-border);
    font-size: 0.9rem;
    vertical-align: middle;
}

.data-table tbody tr:hover td {
    background: #f1f5f9;
}

.clickable-row {
    cursor: pointer;
}

.canceled td {
    text-decoration: line-through;
    color: var(--red) !important;
}

.price-cell {
    font-weight: 700;
    color: var(--accent) !important;
}

/* ========== APT GRID ========== */
.list-controls {
    display: flex;
    align-items: center;
    gap: 1rem;
}

.sort-wrap {
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.sort-wrap label {
    color: var(--text-muted);
    font-size: 0.85rem;
}

.apt-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
    gap: 1rem;
}

.apt-card {
    background: var(--card-bg);
    border: 1px solid var(--card-border);
    border-radius: 8px;
    padding: 1.5rem;
    cursor: pointer;
}

.apt-card:hover {
    border-color: var(--accent);
    background: #f8fafc;
}

.apt-card h3 {
    font-size: 1.1rem;
    font-weight: 700;
    margin-bottom: 0.5rem;
    color: var(--text-main);
}

.apt-card .apt-meta {
    color: var(--text-muted);
    font-size: 0.85rem;
    margin-bottom: 0.75rem;
    display: flex;
    gap: 0.5rem;
    flex-wrap: wrap;
}

.apt-card .apt-meta .tag {
    background: #f1f5f9;
    padding: 0.15rem 0.5rem;
    border-radius: 4px;
    font-size: 0.8rem;
}

.apt-card .apt-meta .tag.highlight {
    background: #e0e7ff;
    color: var(--accent);
    font-weight: 600;
}

.apt-card .price {
    font-size: 1rem;
    font-weight: 700;
    color: var(--accent);
}

.apt-card .trade-count {
    font-size: 0.8rem;
    color: var(--text-muted);
    margin-top: 0.25rem;
}

/* ========== MODAL ========== */
.modal {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0,0,0,0.5);
    z-index: 1000;
    align-items: center;
    justify-content: center;
}

.modal.show {
    display: flex;
}

.modal-content {
    background: var(--bg-secondary);
    width: 95%;
    max-width: 960px;
    max-height: 90vh;
    overflow-y: auto;
    position: relative;
    padding: 2rem;
    border-radius: 8px;
}

.close-btn {
    position: absolute;
    top: 1rem;
    right: 1rem;
    font-size: 1.5rem;
    cursor: pointer;
    color: var(--text-muted);
    width: 32px;
    height: 32px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 4px;
}

.close-btn:hover {
    background: #f1f5f9;
    color: var(--text-main);
}

.modal-title {
    font-size: 1.5rem;
    font-weight: 700;
    margin-bottom: 0.25rem;
}

.modal-address {
    color: var(--text-muted);
    font-size: 0.9rem;
    margin-bottom: 1.25rem;
}

.modal-info-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
    gap: 0.75rem;
    margin: 1rem 0;
}

.modal-info-item {
    background: #f8fafc;
    padding: 0.75rem;
    border-radius: 8px;
    border: 1px solid var(--card-border);
}

.modal-info-item .label {
    display: block;
    font-size: 0.75rem;
    color: var(--text-muted);
    margin-bottom: 0.25rem;
    text-transform: uppercase;
}

.modal-info-item .value {
    font-weight: 700;
    font-size: 1rem;
    color: var(--text-main);
}

.modal-section-title {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text-muted);
    margin: 1.25rem 0 0.5rem;
    text-transform: uppercase;
}

/* ========== RESPONSIVE ========== */
@media (max-width: 768px) {
    .container { padding: 1rem; }
    .app-header { padding: 1rem; }
    
    .header-content {
        flex-direction: column;
        align-items: flex-start;
        gap: 0.5rem;
    }

    .header-nav-bar {
        width: 100%;
        flex-direction: column;
        align-items: flex-start;
    }
    
    .summary-stats {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .apt-grid {
        grid-template-columns: 1fr;
    }
    
    .controls {
        flex-direction: column;
        align-items: stretch;
    }
    
    .modal-content {
        width: 100%;
        max-height: 100vh;
        border-radius: 0;
        padding: 1rem;
    }

    .data-table th, .data-table td {
        padding: 0.5rem;
        font-size: 0.8rem;
    }
}

/* Utility */
.area-pyeong {
    font-size: 0.8em;
    color: var(--text-muted);
}

strong {
    font-weight: 600;
}

/* Breadcrumb */
.breadcrumb {
    display: none;
    align-items: center;
    gap: 0.75rem;
    font-size: 0.9rem;
}

.breadcrumb a {
    color: var(--accent);
    text-decoration: none;
    font-weight: 600;
    padding: 0.4rem 0.75rem;
    border-radius: 6px;
}

.breadcrumb a:hover {
    background: #e0e7ff;
}

#breadcrumb-name {
    color: var(--text-main);
    font-weight: 700;
}

/* ========== FOOTER & STATIC PAGES ========== */
.app-footer {
    border-top: 1px solid var(--card-border);
    padding: 2rem;
    margin-top: 3rem;
    background: var(--bg-secondary);
    font-size: 0.85rem;
    color: var(--text-muted);
}

.footer-content {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
    align-items: center;
    text-align: center;
}

.footer-links a {
    color: var(--text-secondary);
    text-decoration: none;
    margin: 0 0.5rem;
}

.footer-links a:hover {
    color: var(--accent);
}

.static-page {
    padding: 2.5rem;
    line-height: 1.8;
}

.static-page h2 {
    font-size: 1.5rem;
    color: var(--text-main);
    margin-bottom: 0.5rem;
}

.static-page h3 {
    font-size: 1.1rem;
    color: var(--accent);
    margin-top: 1.5rem;
    margin-bottom: 0.5rem;
}

.static-page .page-date {
    font-size: 0.85rem;
    color: var(--text-muted);
    margin-bottom: 1.5rem;
}

/* ========== LOAN CALCULATOR ========== */
.loan-form { display:flex; flex-direction:column; gap:1.25rem; }
.loan-field { display:flex; flex-direction:column; gap:0.4rem; }
.loan-field label { font-weight:600; font-size:0.9rem; color:var(--text-main); }
.loan-input {
    padding:0.65rem 0.9rem; border-radius:8px; border:1px solid var(--card-border);
    background:#ffffff; color:var(--text-main); font-size:1rem;
    font-family:inherit;
}
.loan-input:focus { outline:none; border-color:var(--accent); }
.loan-hint { font-size:0.82rem; color:var(--accent); font-weight:600; margin-top:0.1rem; }
.loan-type-btns { display:flex; gap:0.5rem; flex-wrap:wrap; }
.loan-type-btn {
    padding:0.45rem 1rem; border-radius:6px; border:1px solid var(--card-border);
    background:#f8fafc; color:var(--text-muted); font-size:0.85rem;
    font-weight:600; cursor:pointer;
}
.loan-type-btn:hover { border-color:var(--accent); color:var(--accent); }
.loan-type-btn.active {
    background:var(--accent); color:#fff;
    border-color:transparent;
}
.loan-calc-btn {
    padding:0.8rem; border:none; border-radius:8px; font-size:1rem; font-weight:700;
    background:var(--accent); color:#fff; cursor:pointer;
}
.loan-calc-btn:hover { background:var(--accent-hover); }

/* 라이트 테마가 기본이므로, 다크 테마나 잔여 overrides는 필요 시 여기에 추가. */
body.dark-theme {
    --bg-color: #0a0a0f;
    --bg-secondary: #12121a;
    --card-bg: #141423;
    --card-border: #2a2a35;
    --text-main: #f1f5f9;
    --text-secondary: #cbd5e1;
    --text-muted: #64748b;
}
3);
    padding: 0.75rem;
    border-radius: 10px;
    border: 1px solid rgba(255,255,255,0.04);
}

.modal-info-item .label {
    display: block;
    font-size: 0.75rem;
    color: var(--text-muted);
    margin-bottom: 0.25rem;
    text-transform: uppercase;
    letter-spacing: 0.03em;
}

.modal-info-item .value {
    font-weight: 700;
    font-size: 1rem;
}

.modal-section-title {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text-muted);
    margin: 1.25rem 0 0.5rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

/* ========== ANIMATIONS ========== */
@keyframes fadeIn {
    from { opacity: 0; transform: translateY(4px); }
    to { opacity: 1; transform: translateY(0); }
}

@keyframes slideUp {
    from { opacity: 0; transform: translateY(16px); }
    to { opacity: 1; transform: translateY(0); }
}

.apt-card {
    animation: slideUp 0.3s ease forwards;
}

/* ========== SCROLLBAR ========== */
::-webkit-scrollbar {
    width: 8px;
    height: 8px;
}

::-webkit-scrollbar-track {
    background: transparent;
}

::-webkit-scrollbar-thumb {
    background: rgba(255,255,255,0.1);
    border-radius: 4px;
}

::-webkit-scrollbar-thumb:hover {
    background: rgba(255,255,255,0.2);
}

/* ========== RESPONSIVE ========== */
@media (max-width: 768px) {
    .container { padding: 1rem; }
    .app-header { padding: 1rem; }
    
    .header-content {
        flex-direction: column;
        align-items: flex-start;
        gap: 0.5rem;
    }
    
    .summary-stats {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .apt-grid {
        grid-template-columns: 1fr;
    }
    
    .controls {
        flex-direction: column;
        align-items: stretch;
    }
    
    .modal-content {
        width: 100%;
        max-height: 100vh;
        border-radius: 0;
    }
}

/* Utility */
.area-pyeong {
    font-size: 0.8em;
    color: var(--text-muted);
}

strong {
    font-weight: 600;
}

/* Breadcrumb */
.breadcrumb {
    display: none;
    align-items: center;
    gap: 0.75rem;
    font-size: 0.9rem;
}

.breadcrumb a {
    color: var(--accent-hover);
    text-decoration: none;
    font-weight: 600;
    padding: 0.4rem 0.75rem;
    border-radius: 8px;
    transition: background 0.2s;
}

.breadcrumb a:hover {
    background: var(--accent-glow);
}

#breadcrumb-name {
    color: var(--text-main);
    font-weight: 700;
}

/* ========== FOOTER & STATIC PAGES ========== */
.app-footer {
    border-top: 1px solid var(--card-border);
    padding: 2rem;
    margin-top: 3rem;
    background: var(--bg-secondary);
    font-size: 0.85rem;
    color: var(--text-muted);
}

.footer-content {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
    align-items: center;
    text-align: center;
}

.footer-links a {
    color: var(--text-secondary);
    text-decoration: none;
    margin: 0 0.5rem;
}

.footer-links a:hover {
    color: var(--accent-hover);
}

.static-page {
    padding: 2.5rem;
    line-height: 1.8;
}

.static-page h2 {
    font-size: 1.5rem;
    color: var(--text-main);
    margin-bottom: 0.5rem;
}

.static-page h3 {
    font-size: 1.1rem;
    color: var(--accent-hover);
    margin-top: 1.5rem;
    margin-bottom: 0.5rem;
}

.static-page .page-date {
    font-size: 0.85rem;
    color: var(--text-muted);
    margin-bottom: 1.5rem;
}

/* ========== LIGHT THEME OVERRIDES ========== */
body.light-theme {
    --bg-color: #f1f5f9;
    --bg-secondary: #ffffff;
    --card-bg: rgba(255, 255, 255, 0.95);
    --card-border: rgba(203, 213, 225, 0.8);
    --text-main: #0f172a;
    --text-secondary: #334155;
    --text-muted: #64748b;
    --accent: #4f46e5;
    --accent-hover: #4338ca;
    --accent-glow: rgba(79, 70, 229, 0.15);
    --gradient-start: #4f46e5;
    --gradient-end: #7c3aed;
}

body.light-theme .glass-panel {
    background: rgba(255, 255, 255, 0.9) !important;
    border-color: rgba(203, 213, 225, 0.8) !important;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.05) !important;
}

body.light-theme .app-header {
    background: rgba(255, 255, 255, 0.95) !important;
    border-bottom-color: rgba(203, 213, 225, 0.8) !important;
}

body.light-theme .district-btn {
    background: rgba(241, 245, 249, 0.95) !important;
    border: 1px solid #cbd5e1 !important;
    color: #334155 !important;
}

body.light-theme .district-btn:hover {
    background: #e2e8f0 !important;
    color: #0f172a !important;
}

body.light-theme .district-btn.active {
    background: linear-gradient(135deg, #4f46e5, #7c3aed) !important;
    color: #ffffff !important;
    border-color: transparent !important;
    box-shadow: 0 4px 14px rgba(79, 70, 229, 0.3) !important;
}

body.light-theme .month-btn {
    background: rgba(241, 245, 249, 0.95) !important;
    border: 1px solid #cbd5e1 !important;
    color: #334155 !important;
}

body.light-theme .month-btn:hover {
    background: #e2e8f0 !important;
    color: #0f172a !important;
}

body.light-theme .month-btn.active {
    background: linear-gradient(135deg, #4f46e5, #7c3aed) !important;
    color: #ffffff !important;
    border-color: transparent !important;
}

body.light-theme .tab-btn {
    color: #64748b !important;
}

body.light-theme .tab-btn.active {
    background: #4f46e5 !important;
    color: #ffffff !important;
}

body.light-theme select,
body.light-theme input {
    background: #ffffff !important;
    color: #0f172a !important;
    border-color: #cbd5e1 !important;
}

body.light-theme .data-table th {
    background: #f1f5f9 !important;
    color: #475569 !important;
}

body.light-theme .data-table td {
    border-bottom-color: rgba(203, 213, 225, 0.5) !important;
}

body.light-theme .data-table tr:hover {
    background: rgba(79, 70, 229, 0.05) !important;
}

body.light-theme .apt-card {
    background: rgba(255, 255, 255, 0.95) !important;
    border-color: #cbd5e1 !important;
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.04) !important;
}

body.light-theme .apt-card:hover {
    border-color: #4f46e5 !important;
    box-shadow: 0 8px 24px rgba(79, 70, 229, 0.15) !important;
}

body.light-theme .apt-card h3 {
    color: #0f172a !important;
}

body.light-theme .apt-card .price {
    color: #4f46e5 !important;
}

body.light-theme .theme-toggle-btn {
    background: rgba(0, 0, 0, 0.06) !important;
    border-color: #cbd5e1 !important;
    color: #0f172a !important;
}

body.light-theme .app-footer {
    background: #ffffff !important;
    border-top-color: #e2e8f0 !important;
}

/* ========== LOAN CALCULATOR ========== */
.loan-form { display:flex; flex-direction:column; gap:1.25rem; }
.loan-field { display:flex; flex-direction:column; gap:0.4rem; }
.loan-field label { font-weight:600; font-size:0.9rem; color:var(--text-primary); }
.loan-input {
    padding:0.65rem 0.9rem; border-radius:10px; border:1.5px solid var(--border);
    background:var(--bg-primary); color:var(--text-primary); font-size:1rem;
    font-family:inherit; transition:border-color 0.2s;
}
.loan-input:focus { outline:none; border-color:#6366f1; box-shadow:0 0 0 3px rgba(99,102,241,0.15); }
.loan-hint { font-size:0.82rem; color:var(--accent-primary); font-weight:600; margin-top:0.1rem; }
.loan-type-btns { display:flex; gap:0.5rem; flex-wrap:wrap; }
.loan-type-btn {
    padding:0.45rem 1rem; border-radius:8px; border:1.5px solid var(--border);
    background:var(--bg-secondary); color:var(--text-muted); font-size:0.85rem;
    font-weight:600; cursor:pointer; transition:all 0.2s;
}
.loan-type-btn:hover { border-color:#6366f1; color:#818cf8; }
.loan-type-btn.active {
    background:linear-gradient(135deg,#6366f1,#8b5cf6); color:#fff;
    border-color:transparent; box-shadow:0 2px 8px rgba(99,102,241,0.3);
}
.loan-calc-btn {
    padding:0.8rem; border:none; border-radius:12px; font-size:1rem; font-weight:700;
    background:linear-gradient(135deg,#3b82f6,#6366f1); color:#fff; cursor:pointer;
    transition:all 0.25s; box-shadow:0 4px 14px rgba(59,130,246,0.3);
}
.loan-calc-btn:hover { transform:translateY(-2px); box-shadow:0 6px 20px rgba(59,130,246,0.4); }
.loan-calc-btn:active { transform:translateY(0); }