/* ─────────────────────────────────────────────
   보험 계약 구조 · 과세와 비과세를 가르는 자리
   ───────────────────────────────────────────── */

.insurance-section .section-desc em {
  font-style: normal;
  color: var(--navy);
  font-weight: 600;
  border-bottom: 1px solid var(--gold);
  padding-bottom: 1px;
}
.insurance-section .section-desc strong {
  color: var(--navy);
  font-weight: 600;
}

/* ─── 4구조 매트릭스 그리드 ────────────── */
.struct-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-bottom: 96px;
}
.struct-card {
  background: white;
  border: 1px solid var(--line);
  padding: 32px 28px;
  position: relative;
  display: flex;
  flex-direction: column;
  transition: all 300ms;
}
.struct-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 40px;
  height: 2px;
  background: var(--gold);
  transition: width 300ms ease;
}
.struct-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.struct-card:hover::before { width: 100%; }
.struct-card.is-best {
  border-color: var(--gold);
  box-shadow: 0 0 0 1px var(--gold) inset, var(--shadow-md);
  background: rgba(212, 175, 55, 0.03);
}
.struct-card.is-best::before { width: 100%; height: 3px; }

.struct-best {
  position: absolute;
  top: -12px;
  right: 20px;
  padding: 5px 14px;
  background: var(--gold);
  color: var(--navy-deep);
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  border-radius: 2px;
}

.struct-lbl {
  font-family: var(--mono);
  font-size: 10px;
  letter-spacing: 0.16em;
  color: var(--gold-soft);
  font-weight: 600;
  margin-bottom: 10px;
}
.struct-card.is-best .struct-lbl { color: var(--gold-soft); }

.struct-title {
  font-family: var(--serif);
  font-size: 20px;
  color: var(--navy);
  font-weight: 500;
  letter-spacing: -0.02em;
  line-height: 1.4;
  margin-bottom: 20px;
  word-break: keep-all;
}

.struct-body {
  padding: 16px 18px;
  background: var(--paper-2);
  border-left: 2px solid var(--line);
  margin-bottom: 18px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.struct-card.is-best .struct-body {
  background: rgba(212, 175, 55, 0.06);
  border-left-color: var(--gold);
}
.struct-row {
  display: grid;
  grid-template-columns: 70px 1fr;
  gap: 12px;
  align-items: baseline;
  font-size: 13px;
}
.struct-role {
  font-family: var(--mono);
  font-size: 10px;
  color: var(--gold-soft);
  letter-spacing: 0.06em;
  font-weight: 600;
  text-transform: uppercase;
}
.struct-name {
  color: var(--ink);
  font-weight: 500;
  line-height: 1.5;
}

.struct-status {
  padding: 10px 14px;
  text-align: center;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.02em;
  margin-bottom: 14px;
  border-radius: 2px;
}
.status-taxable {
  background: rgba(184, 134, 11, 0.15);
  color: #8a6708;
  border: 1px solid rgba(184, 134, 11, 0.4);
}
.status-exempt {
  background: var(--navy-deep);
  color: var(--gold);
  border: 1px solid var(--gold);
}
.status-gift {
  background: rgba(184, 134, 11, 0.15);
  color: #8a6708;
  border: 1px solid rgba(184, 134, 11, 0.4);
}
.status-risk {
  background: rgba(184, 134, 11, 0.10);
  color: #b8860b;
  border: 1px dashed #b8860b;
}

.struct-reason {
  font-size: 13px;
  color: var(--ink-2);
  line-height: 1.75;
  margin: 0;
  padding-top: 14px;
  border-top: 1px dashed var(--line);
  word-break: keep-all;
}

/* ─── 3원칙 인사이트 블록 ────────────── */
.insurance-principles {
  margin-bottom: 72px;
  padding: 56px 48px;
  background: white;
  border: 1px solid var(--line);
  position: relative;
}
.insurance-principles::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 80px;
  height: 3px;
  background: var(--gold);
}
.ip-header {
  margin-bottom: 40px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--line);
}
.ip-eyebrow {
  font-family: var(--mono);
  font-size: 10px;
  letter-spacing: 0.18em;
  color: var(--gold-soft);
  font-weight: 600;
  margin-bottom: 12px;
}
.ip-title {
  font-family: var(--serif);
  font-size: 26px;
  line-height: 1.4;
  color: var(--navy);
  font-weight: 500;
  letter-spacing: -0.02em;
  margin: 0;
}
.ip-title em {
  font-style: normal;
  color: var(--gold-soft);
  border-bottom: 2px solid var(--gold);
  padding-bottom: 2px;
}

.ip-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.ip-card {
  padding: 28px 24px;
  background: var(--paper-2);
  border: 1px solid var(--line);
  position: relative;
  display: flex;
  flex-direction: column;
}
.ip-card-gold {
  background: rgba(212, 175, 55, 0.06);
  border-color: var(--gold);
  box-shadow: 0 0 0 1px var(--gold) inset;
}
.ip-num {
  font-family: var(--serif);
  font-size: 28px;
  color: var(--gold);
  font-weight: 500;
  line-height: 1;
  margin-bottom: 14px;
  letter-spacing: -0.02em;
}
.ip-name {
  font-family: var(--serif);
  font-size: 17px;
  color: var(--navy);
  font-weight: 500;
  letter-spacing: -0.02em;
  margin-bottom: 12px;
}
.ip-body {
  font-size: 13px;
  color: var(--ink-2);
  line-height: 1.85;
  margin: 0;
  flex: 1;
  word-break: keep-all;
}
.ip-body strong {
  color: var(--navy);
  font-weight: 600;
}
.ip-body em {
  font-style: normal;
  color: var(--gold-soft);
  font-weight: 600;
}
.ip-badge {
  margin-top: 16px;
  padding: 6px 12px;
  background: var(--gold);
  color: var(--navy-deep);
  font-family: var(--mono);
  font-size: 10px;
  letter-spacing: 0.14em;
  font-weight: 700;
  text-align: center;
  border-radius: 2px;
  align-self: flex-start;
}

/* ─── 마무리 CTA ────────────── */
.insurance-cta {
  padding: 48px 40px;
  background: var(--navy-deep);
  color: white;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.insurance-cta::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 80px;
  height: 3px;
  background: var(--gold);
}
.insurance-cta::after {
  content: '';
  position: absolute;
  top: -60%;
  right: -20%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(212, 175, 55, 0.14), transparent 65%);
  pointer-events: none;
}
.ic-quote {
  font-family: var(--serif);
  font-size: 22px;
  line-height: 1.7;
  color: white;
  font-weight: 400;
  letter-spacing: -0.01em;
  margin: 0 0 32px;
  position: relative;
  z-index: 2;
  word-break: keep-all;
}
.ic-quote em {
  font-style: normal;
  color: var(--gold);
  font-weight: 600;
}
.ic-quote strong {
  color: var(--gold);
  font-weight: 600;
  border-bottom: 2px solid var(--gold);
  padding-bottom: 2px;
}
.insurance-cta .btn {
  position: relative;
  z-index: 2;
  background: var(--gold);
  color: var(--navy-deep);
  border: 1px solid var(--gold);
  padding: 16px 32px;
  font-weight: 700;
}
.insurance-cta .btn:hover {
  background: var(--gold-light);
  transform: translateY(-1px);
  box-shadow: 0 10px 24px -8px rgba(212, 175, 55, 0.5);
}

/* ─── 반응형 ────────────── */
@media (max-width: 900px) {
  .struct-grid { grid-template-columns: 1fr; }
  .insurance-principles { padding: 36px 24px; }
  .ip-title { font-size: 20px; }
  .ip-grid { grid-template-columns: 1fr; }
  .insurance-cta { padding: 36px 24px; }
  .ic-quote { font-size: 18px; }
}