/* 은행 앱 (시뮬레이션) — 코드: js/apps/bank.js */
#app-bank { --bk-ink: #17213a; --bk-sub: #6b7385; --bk-navy: #1b2a4a; --bk-gold: #c9a45c; --bk-bg: #f1f2f5; --bk-line: #e6e8ee;
  background: var(--bk-bg); color: var(--bk-ink); }
.bk-head { display: flex; align-items: center; gap: 10px; height: 56px; padding: 0 16px; background: #fff; flex: none; }
.bk-head .app-back { padding: 6px 2px; color: var(--bk-ink); }
.bk-tier { display: inline-flex; align-items: center; gap: 6px; padding: 5px 11px 5px 5px; border: 1.5px solid #e2d3b0; border-radius: 20px; font-size: 14px; font-weight: 800; letter-spacing: .4px; color: #8a6a2c; background: #fffaf0; }
.bk-tier::before { content: "V"; width: 22px; height: 22px; border-radius: 50%; display: grid; place-items: center; font-size: 12px; color: #fff; background: linear-gradient(150deg, #e3c27e, #a67d35); }
.bk-name { font-size: 18px; font-weight: 700; }
.bk-name::after { content: " ›"; color: var(--bk-sub); font-weight: 500; }
.bk-head .spacer { flex: 1; }
.bk-ico { width: 24px; height: 24px; fill: none; stroke: var(--bk-ink); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.bk-topbar { display: flex; align-items: center; height: 46px; padding: 0 10px; flex: none; background: #fff; }
.bk-topbar .app-back { color: var(--bk-ink); }
.bk-topbar .app-title { margin-right: 40px; }
.bk-body { padding: 14px 16px 20px; }
.bk-card { background: #fff; border-radius: 18px; padding: 16px 18px; margin-bottom: 12px; display: block; width: 100%; text-align: left; border: 0; font: inherit; color: inherit; }
.bk-card h3 { margin: 0 0 6px; font-size: 16px; }
.bk-card svg { width: 20px; height: 20px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
button.bk-card { cursor: pointer; appearance: none; }
.bk-all { display: flex; justify-content: space-between; align-items: center; padding: 20px 18px; font-size: 18px; }
.bk-all b { background: linear-gradient(transparent 58%, #f3e3bb 58%); }
.bk-acct { padding: 0; overflow: hidden; }
.bk-acct-main { display: flex; align-items: center; gap: 10px; padding: 18px 16px 18px 18px; }
.bk-logo { flex: none; width: 30px; height: 30px; border-radius: 50%; display: grid; place-items: center; background: var(--bk-navy); color: var(--bk-gold); font-weight: 800; font-size: 14px; }
.bk-acct-txt { flex: 1; min-width: 0; }
.bk-acct-name { display: flex; align-items: center; gap: 5px; font-size: 15px; color: #3a4256; white-space: nowrap; }
.bk-acct-name span { overflow: hidden; text-overflow: ellipsis; }
.bk-acct-name small { color: var(--bk-sub); font-size: 14px; }
.bk-copy { appearance: none; border: 0; background: none; padding: 2px; color: var(--bk-sub); cursor: pointer; display: grid; }
.bk-copy svg { width: 15px; height: 15px; }
.bk-bal { margin-top: 4px; font-size: 24px; font-weight: 800; letter-spacing: -.3px; font-variant-numeric: tabular-nums; }
.bk-send { flex: none; appearance: none; border: 0; border-radius: 9px; padding: 10px 18px; font: inherit; font-size: 15px; font-weight: 700; background: var(--bk-navy); color: #fff; cursor: pointer; }
.bk-acct-bar { display: flex; align-items: center; gap: 12px; padding: 12px 18px; background: #f7f8fa; font-size: 14.5px; color: #4a5266; }
.bk-acct-bar > i { width: 1px; height: 18px; background: #dadde4; }
.bk-set { display: flex; align-items: center; gap: 5px; }
.bk-set svg { width: 18px; height: 18px; }
.bk-tg { display: flex; align-items: center; gap: 8px; }
.bk-switch { appearance: none; border: 0; width: 46px; height: 26px; border-radius: 13px; background: #cfd3db; position: relative; cursor: pointer; transition: background .2s; }
.bk-switch::after { content: ""; position: absolute; top: 2px; left: 2px; width: 22px; height: 22px; border-radius: 50%; background: #fff; box-shadow: 0 1px 3px rgba(0,0,0,.25); transition: transform .2s; }
.bk-switch.on { background: var(--bk-navy); } .bk-switch.on::after { transform: translateX(20px); }
.bk-more { margin-left: auto; appearance: none; border: 0; background: none; font: inherit; color: inherit; display: flex; align-items: center; gap: 3px; cursor: pointer; padding: 0; }
.bk-more svg { width: 18px; height: 18px; transition: transform .2s; } .bk-more.open svg { transform: rotate(180deg); }
.bk-more-box { padding: 4px 18px 14px; background: #f7f8fa; border-top: .5px solid var(--bk-line); }
.bk-kv { display: flex; justify-content: space-between; padding: 8px 0; font-size: 14px; } .bk-kv small { color: var(--bk-sub); font-size: 13.5px; }
.bk-link { appearance: none; border: 0; background: none; font: inherit; font-size: 14px; color: var(--bk-navy); font-weight: 600; padding: 8px 0 0; cursor: pointer; }
.bk-vip { display: flex; align-items: center; justify-content: space-between; gap: 10px; color: #fff; background: linear-gradient(150deg, #22345a 0%, #121b30 100%); }
.bk-vip small { color: var(--bk-gold); font-size: 12px; font-weight: 700; letter-spacing: .5px; }
.bk-vip b { display: block; margin: 3px 0 2px; font-size: 16px; } .bk-vip p { margin: 0; font-size: 12.5px; opacity: .75; }
.bk-vip > span { font-size: 26px; color: var(--bk-gold); }
.bk-day { margin: 12px 0 2px; font-size: 12.5px; color: var(--bk-sub); font-weight: 600; }
.bk-tx { display: flex; justify-content: space-between; align-items: center; padding: 9px 0; border-bottom: .5px solid var(--bk-line); }
.bk-tx b { display: block; font-size: 15px; font-weight: 600; } .bk-tx small { font-size: 12px; color: var(--bk-sub); }
.bk-tx span { font-size: 15px; font-weight: 700; font-variant-numeric: tabular-nums; } .bk-tx span.in { color: #2f6fdb; }
.bk-empty { padding: 20px 0; text-align: center; color: var(--bk-sub); font-size: 14px; }
.bk-tiles { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; }
.bk-tiles button { appearance: none; border: 0; border-radius: 16px; padding: 16px 12px; text-align: left; font: inherit; color: var(--bk-ink); background: #e4ecf6; cursor: pointer; min-height: 84px; }
.bk-tiles button:nth-child(2) { background: #efe8da; } .bk-tiles button:nth-child(3) { background: #e3efec; }
.bk-tiles b { display: block; font-size: 15px; } .bk-tiles small { display: block; margin-top: 4px; font-size: 12px; color: var(--bk-sub); }
.bk-sum small { font-size: 13px; color: var(--bk-sub); } .bk-sum b { display: block; margin-top: 4px; font-size: 24px; font-variant-numeric: tabular-nums; }
.bk-payee { appearance: none; border: 0; background: none; width: 100%; display: flex; align-items: center; gap: 12px; padding: 11px 0; font: inherit; color: inherit; text-align: left; cursor: pointer; border-bottom: .5px solid var(--bk-line); }
.bk-payee div { flex: 1; } .bk-payee b { display: block; font-size: 15px; } .bk-payee small { font-size: 12.5px; color: var(--bk-sub); }
.bk-payee svg { color: #b4b9c4; }
.bk-av { width: 38px; height: 38px; border-radius: 50%; display: grid; place-items: center; background: #e4ecf6; color: var(--bk-navy); font-weight: 700; }
.bk-amt { text-align: center; padding: 22px 18px; }
.bk-amt small { font-size: 13.5px; color: var(--bk-sub); } .bk-amt small.warn { color: #e0453a; }
.bk-amt-v { margin: 8px 0 6px; font-size: 28px; font-weight: 800; font-variant-numeric: tabular-nums; } .bk-amt-v.ph { color: #b4b9c4; font-size: 22px; font-weight: 700; }
.bk-quick { display: flex; gap: 6px; justify-content: center; margin-top: 12px; flex-wrap: wrap; }
.bk-quick button { appearance: none; border: 0; border-radius: 16px; padding: 6px 12px; font: inherit; font-size: 13px; background: #f1f2f5; color: var(--bk-ink); cursor: pointer; }
.bk-pad { display: grid; grid-template-columns: repeat(3, 1fr); gap: 4px; margin-bottom: 10px; }
.bk-pad button { appearance: none; border: 0; background: none; padding: 12px 0; font: inherit; font-size: 22px; font-weight: 600; color: var(--bk-ink); border-radius: 12px; cursor: pointer; }
.bk-pad button:active { background: #e4e6eb; }
.bk-btn { appearance: none; border: 0; width: 100%; border-radius: 14px; padding: 15px; font: inherit; font-size: 16px; font-weight: 700; background: var(--bk-navy); color: #fff; cursor: pointer; }
.bk-btn:disabled { opacity: .35; }
.bk-done { text-align: center; padding: 28px 18px; }
.bk-done b { display: block; margin: 12px 0 8px; font-size: 19px; line-height: 1.4; } .bk-done small { font-size: 13.5px; color: var(--bk-sub); }
.bk-check { width: 54px; height: 54px; margin: 0 auto; border-radius: 50%; display: grid; place-items: center; background: var(--bk-navy); color: #fff; font-size: 26px; font-weight: 800; }
.bk-tabs { display: flex; justify-content: space-around; padding: 8px 4px 0; background: #fff; border-top: .5px solid var(--bk-line); flex: none; }
.bk-tab { appearance: none; border: 0; background: none; font: inherit; font-size: 12px; color: #8b92a2; display: flex; flex-direction: column; align-items: center; gap: 4px; padding: 4px 10px; cursor: pointer; }
.bk-tab svg { width: 25px; height: 25px; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.bk-tab.on { color: var(--bk-navy); font-weight: 700; }
#app-bank .app-homebar { background: #fff; }
#app-bank > .status { background: #fff; }
.bk-sec { margin: 12px 0 0; font-size: 12.5px; font-weight: 600; color: var(--bk-sub); }
.bk-star { font-style: normal; color: var(--bk-gold); font-size: 14px; }