/* 모던형 스킨 */
.hdbc-skin-modern {
    max-width: 100%;
    margin: 0;
    position: relative;
}

/* 배경 그라데이션 효과 */
.hdbc-skin-modern::before {
    content: '';
    position: absolute;
    top: -50px;
    left: -50px;
    right: -50px;
    bottom: -50px;
    background: linear-gradient(135deg, rgba(0,0,63,0.03) 0%, rgba(0,0,63,0) 100%);
    z-index: -1;
    pointer-events: none;
}

.hdbc-skin-modern .hdbc-form-fields-wrap {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 25px;
}

/* 전체 너비 필드 */
.hdbc-skin-modern .hdbc-field-textarea,
.hdbc-skin-modern .hdbc-field-html,
.hdbc-skin-modern .hdbc-field-terms {
    grid-column: 1 / -1;
}

/* 필드 스타일 */
.hdbc-skin-modern .hdbc-field {
    margin-bottom: 0;
    position: relative;
}

/* 플로팅 라벨 효과 */
.hdbc-skin-modern .hdbc-field label,
.hdbc-skin-modern .hdbc-field-label {
    position: absolute;
    top: 16px;
    left: 16px;
    font-size: 16px;
    color: #666;
    transition: all 0.3s ease;
    pointer-events: none;
    background: #fff;
    padding: 0 5px;
    z-index: 1;
}

.hdbc-skin-modern .hdbc-field input:focus + label,
.hdbc-skin-modern .hdbc-field input:not(:placeholder-shown) + label,
.hdbc-skin-modern .hdbc-field textarea:focus + label,
.hdbc-skin-modern .hdbc-field textarea:not(:placeholder-shown) + label,
.hdbc-skin-modern .hdbc-field select:focus + label,
.hdbc-skin-modern .hdbc-field select:valid + label {
    top: -10px;
    left: 12px;
    font-size: 14px;
    color: #00003f;
}

/* 입력 필드 */
.hdbc-skin-modern .hdbc-field input[type="text"],
.hdbc-skin-modern .hdbc-field input[type="email"],
.hdbc-skin-modern .hdbc-field input[type="tel"],
.hdbc-skin-modern .hdbc-field input[type="date"],
.hdbc-skin-modern .hdbc-field textarea,
.hdbc-skin-modern .hdbc-field select {
    padding: 20px 16px 10px;
    border: 2px solid #e0e0e0;
    border-radius: 8px;
    font-size: 16px;
    transition: all 0.3s ease;
    background: #fff;
}

.hdbc-skin-modern .hdbc-field input:focus,
.hdbc-skin-modern .hdbc-field textarea:focus,
.hdbc-skin-modern .hdbc-field select:focus {
    border-color: #00003f;
    box-shadow: 0 4px 20px rgba(0, 0, 63, 0.1);
    transform: translateY(-2px);
}

/* 체크박스/라디오 그룹 스타일 */
.hdbc-skin-modern .hdbc-radio-group,
.hdbc-skin-modern .hdbc-checkbox-group {
    display: flex;
    flex-wrap: wrap;
    gap: 15px;
    margin-top: 10px;
}

.hdbc-skin-modern .hdbc-radio-group label,
.hdbc-skin-modern .hdbc-checkbox-group label {
    position: static;
    background: #f8f9fa;
    padding: 10px 20px;
    border-radius: 30px;
    border: 2px solid transparent;
    transition: all 0.3s ease;
}

.hdbc-skin-modern .hdbc-radio-group label:hover,
.hdbc-skin-modern .hdbc-checkbox-group label:hover {
    border-color: #00003f;
    background: #fff;
}

.hdbc-skin-modern .hdbc-radio-group input:checked + label,
.hdbc-skin-modern .hdbc-checkbox-group input:checked + label {
    background: #00003f;
    color: #fff;
}

/* 약관동의 스타일 */
.hdbc-skin-modern .hdbc-terms-field {
    background: #f8f9fa;
    padding: 20px;
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 15px;
}

/* 제출 버튼 */
.hdbc-skin-modern .hdbc-submit-wrap {
    margin-top: 40px;
    text-align: center;
}

.hdbc-skin-modern .hdbc-submit-btn {
    width: 100%;
    max-width: 400px;
    padding: 18px 40px;
    font-size: 18px;
    border-radius: 8px;
    background: linear-gradient(135deg, #00003f 0%, #33357a 100%);
    box-shadow: 0 4px 20px rgba(0, 0, 63, 0.3);
    transition: all 0.3s ease;
}

.hdbc-skin-modern .hdbc-submit-btn:hover {
    transform: translateY(-3px);
    box-shadow: 0 6px 30px rgba(0, 0, 63, 0.4);
}

/* 애니메이션 효과 */
.hdbc-skin-modern .hdbc-field {
    animation: fadeInUp 0.5s ease forwards;
    opacity: 0;
}

.hdbc-skin-modern .hdbc-field:nth-child(1) { animation-delay: 0.1s; }
.hdbc-skin-modern .hdbc-field:nth-child(2) { animation-delay: 0.2s; }
.hdbc-skin-modern .hdbc-field:nth-child(3) { animation-delay: 0.3s; }
.hdbc-skin-modern .hdbc-field:nth-child(4) { animation-delay: 0.4s; }
.hdbc-skin-modern .hdbc-field:nth-child(5) { animation-delay: 0.5s; }

@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* 반응형 */
@media (max-width: 768px) {
    .hdbc-skin-modern .hdbc-form-fields-wrap {
        grid-template-columns: 1fr;
        gap: 20px;
    }
    
    .hdbc-skin-modern .hdbc-submit-btn {
        width: 100%;
        max-width: none;
    }
}