05Payment method card that opens only the option you picked

<main class="stage">
  <form class="pm is-demo" id="pm">
    <fieldset class="pm__set">
      <legend class="pm__legend">Payment method</legend>

      <div class="pm__item">
        <label class="pm__row" aria-expanded="true">
          <input class="pm__radio" type="radio" name="payMethod" value="card" checked>
          <span class="pm__ic" aria-hidden="true"><svg viewBox="0 0 256 256" fill="currentColor"><path d="M232,96v96a8,8,0,0,1-8,8H32a8,8,0,0,1-8-8V96Z" opacity="0.2"/><path d="M224,48H32A16,16,0,0,0,16,64V192a16,16,0,0,0,16,16H224a16,16,0,0,0,16-16V64A16,16,0,0,0,224,48Zm0,16V88H32V64Zm0,128H32V104H224v88Zm-16-24a8,8,0,0,1-8,8H168a8,8,0,0,1,0-16h32A8,8,0,0,1,208,168Zm-64,0a8,8,0,0,1-8,8H120a8,8,0,0,1,0-16h16A8,8,0,0,1,144,168Z"/></svg></span>
          <span class="pm__name">Card</span>
          <span class="pm__dot" aria-hidden="true"></span>
        </label>
        <div class="pm__fold">
          <p class="pm__detail"><span class="pm__dtext">Enter the card number and pick the installment plan here</span></p>
        </div>
      </div>

      <div class="pm__item">
        <label class="pm__row" aria-expanded="false">
          <input class="pm__radio" type="radio" name="payMethod" value="wallet">
          <span class="pm__ic" aria-hidden="true"><svg viewBox="0 0 256 256" fill="currentColor"><path d="M224,80V192a8,8,0,0,1-8,8H56a16,16,0,0,1-16-16V56A16,16,0,0,0,56,72H216A8,8,0,0,1,224,80Z" opacity="0.2"/><path d="M216,64H56a8,8,0,0,1,0-16H192a8,8,0,0,0,0-16H56A24,24,0,0,0,32,56V184a24,24,0,0,0,24,24H216a16,16,0,0,0,16-16V80A16,16,0,0,0,216,64Zm0,128H56a8,8,0,0,1-8-8V78.63A23.84,23.84,0,0,0,56,80H216Zm-48-60a12,12,0,1,1,12,12A12,12,0,0,1,168,132Z"/></svg></span>
          <span class="pm__name">Wallet</span>
          <span class="pm__dot" aria-hidden="true"></span>
        </label>
        <div class="pm__fold">
          <p class="pm__detail"><span class="pm__dtext">Confirm with a fingerprint in the app and you are done</span></p>
        </div>
      </div>

      <div class="pm__item">
        <label class="pm__row" aria-expanded="false">
          <input class="pm__radio" type="radio" name="payMethod" value="bank">
          <span class="pm__ic" aria-hidden="true"><svg viewBox="0 0 256 256" fill="currentColor"><path d="M232,96H24L128,32Z" opacity="0.2"/><path d="M24,104H48v64H32a8,8,0,0,0,0,16H224a8,8,0,0,0,0-16H208V104h24a8,8,0,0,0,4.19-14.81l-104-64a8,8,0,0,0-8.38,0l-104,64A8,8,0,0,0,24,104Zm40,0H96v64H64Zm80,0v64H112V104Zm48,64H160V104h32ZM128,41.39,203.74,88H52.26ZM248,208a8,8,0,0,1-8,8H16a8,8,0,0,1,0-16H240A8,8,0,0,1,248,208Z"/></svg></span>
          <span class="pm__name">Bank transfer</span>
          <span class="pm__dot" aria-hidden="true"></span>
        </label>
        <div class="pm__fold">
          <p class="pm__detail"><span class="pm__dtext">The account to pay into appears on the next screen</span></p>
        </div>
      </div>

    </fieldset>
  </form>
</main>

@use "../../../../site/static/demo-tokens" as *;

// 고른 결제 수단만 아래로 펼쳐지는 카드 — 상세 칸은 grid-template-rows 0fr→1fr 로 문서 흐름 안에서 편다.
// 절대배치 패널로 띄우면 320px 에서 실제 높이가 화면을 넘긴다(BD9)
$duration: $dur-base;
$easing: $ease-spring;
$color: $subject-blue;

@include stage($stage-ink);

.pm {
  box-sizing: border-box;
  width: min(300px, 92vw);
  color: $subject-cream;
  font-family: -apple-system, "Segoe UI", "Noto Sans KR", sans-serif;
}
.pm * { box-sizing: border-box; }

.pm__set {
  display: grid;
  gap: $sp-1;
  margin: 0;
  padding: 0;
  border: 0;
}
.pm__legend {
  padding: 0;
  margin-bottom: $sp-2;
  font-size: 11px;
  font-weight: 700;
  line-height: 1.3;
  letter-spacing: .04em;
  color: rgba($subject-cream, .62);
}

.pm__item {
  position: relative;
  border-radius: $r-control;
  background: rgba($subject-cream, .08);
}
// 고른 표시 — 테두리·바탕을 따로 그린 겹으로 두고 opacity 만 켠다.
// 그래야 미리보기 루프에서 컷으로 갈아 끼워도 두 카드가 반투명하게 겹치지 않는다
.pm__item::before {
  content: "";
  position: absolute;
  inset: 0;
  border: 2px solid $color;
  border-radius: $r-control;
  background: rgba($subject-blue, .18);
  opacity: 0;
  pointer-events: none;
  transition: opacity $dur-quick linear;
}
.pm__item:has(.pm__radio:checked)::before { opacity: 1; }

.pm__row {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  gap: $sp-2;
  padding: $sp-2;
  cursor: pointer;
}
.pm__radio {
  position: absolute;
  width: 1px;
  height: 1px;
  margin: 0;
  opacity: 0;
  pointer-events: none;
}
.pm__ic {
  flex: 0 0 auto;
  display: inline-grid;
  place-items: center;
  width: 18px;
  height: 18px;
  color: rgba($subject-cream, .72);
}
.pm__ic svg { width: 18px; height: 18px; }
.pm__item:has(.pm__radio:checked) .pm__ic { color: $subject-cream; }
.pm__name {
  flex: 1 1 auto;
  font-size: 12px;
  font-weight: 700;
  line-height: 1.2;
}
.pm__dot {
  position: relative;
  flex: 0 0 auto;
  width: 16px;
  height: 16px;
  border: 2px solid rgba($subject-cream, .45);
  border-radius: 50%;
}
.pm__dot::after {
  content: "";
  position: absolute;
  inset: 2px;
  border-radius: 50%;
  background: $color;
  opacity: 0;
  transform: scale(.4);
  transition: opacity $dur-instant linear, transform $dur-quick $easing;
}
.pm__item:has(.pm__radio:checked) .pm__dot { border-color: $color; }
.pm__item:has(.pm__radio:checked) .pm__dot::after { opacity: 1; transform: scale(1); }
// 키보드로 옮겨 다닐 때도 어느 카드에 서 있는지 보인다
.pm__item:has(.pm__radio:focus-visible) { outline: 2px solid $subject-cream; outline-offset: 2px; }

// 상세 칸 — 닫힘 0fr, 열림 1fr. 높이를 px 로 짐작하지 않으니 글자가 길어져도 맞는다
.pm__fold {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows $duration $easing;
}
.pm__item:has(.pm__radio:checked) .pm__fold { grid-template-rows: 1fr; }
.pm__detail {
  min-height: 0;
  margin: 0;
  overflow: hidden;
}
.pm__dtext {
  display: block;
  padding: 0 $sp-2 $sp-2;
  font-size: 11px;
  line-height: 1.4;
  color: rgba($subject-cream, .78);
}

// ── 격자 미리보기 루프: 1번 열림 → 2번 열림 → 1번 복귀. 상태 교체는 컷, 곁들이는 움직임은 transform ──
@keyframes pm-fold-1 {
  0%, 42% { grid-template-rows: 1fr; }
  46%, 84% { grid-template-rows: 0fr; }
  88%, 100% { grid-template-rows: 1fr; }
}
@keyframes pm-fold-2 {
  0%, 42% { grid-template-rows: 0fr; }
  46%, 84% { grid-template-rows: 1fr; }
  88%, 100% { grid-template-rows: 0fr; }
}
@keyframes pm-on-1 {
  0%, 42% { opacity: 1; }
  46%, 84% { opacity: 0; }
  88%, 100% { opacity: 1; }
}
@keyframes pm-on-2 {
  0%, 42% { opacity: 0; }
  46%, 84% { opacity: 1; }
  88%, 100% { opacity: 0; }
}
@keyframes pm-dot-1 {
  0%, 42% { opacity: 1; transform: scale(1); }
  46%, 84% { opacity: 0; transform: scale(.4); }
  88%, 100% { opacity: 1; transform: scale(1); }
}
@keyframes pm-dot-2 {
  0%, 42% { opacity: 0; transform: scale(.4); }
  46%, 84% { opacity: 1; transform: scale(1); }
  88%, 100% { opacity: 0; transform: scale(.4); }
}
// 컷만으로는 움직인 프레임이 두어 장뿐이라 측정이 안 찬다 — 펼쳐진 글이 한 번 올라서며 프레임을 채운다.
// 투명도가 아니라 transform 이라 중간 프레임이 유령이 되지 않는다
@keyframes pm-rise-1 {
  0%, 87% { transform: translateY(0); }
  88% { transform: translateY(10px); }
  100% { transform: translateY(0); }
}
@keyframes pm-rise-2 {
  0%, 45% { transform: translateY(0); }
  46% { transform: translateY(10px); }
  62%, 100% { transform: translateY(0); }
}
@keyframes pm-pop-1 {
  0%, 87% { transform: scale(1); }
  88% { transform: scale(1.35); }
  100% { transform: scale(1); }
}
@keyframes pm-pop-2 {
  0%, 45% { transform: scale(1); }
  46% { transform: scale(1.35); }
  62%, 100% { transform: scale(1); }
}
.pm.is-demo {
  .pm__fold,
  .pm__item::before,
  .pm__dot::after {
    animation-duration: $dur-loop;
    animation-timing-function: steps(1, end);
    animation-iteration-count: infinite;
    animation-fill-mode: backwards;
  }
  .pm__dtext,
  .pm__ic {
    animation-duration: $dur-loop;
    animation-timing-function: $easing;
    animation-iteration-count: infinite;
    animation-fill-mode: backwards;
  }
  .pm__item:nth-child(2) {
    .pm__fold { animation-name: pm-fold-1; }
    &::before { animation-name: pm-on-1; }
    .pm__dot::after { animation-name: pm-dot-1; }
    .pm__dtext { animation-name: pm-rise-1; }
    .pm__ic { animation-name: pm-pop-1; }
  }
  .pm__item:nth-child(3) {
    .pm__fold { animation-name: pm-fold-2; }
    &::before { animation-name: pm-on-2; }
    .pm__dot::after { animation-name: pm-dot-2; }
    .pm__dtext { animation-name: pm-rise-2; }
    .pm__ic { animation-name: pm-pop-2; }
  }
}

@media (max-width: 340px) {
  .pm__legend { margin-bottom: $sp-1; font-size: 10px; }
  .pm__row { padding: $sp-1 $sp-2; }
  .pm__name { font-size: 11px; }
  .pm__dtext { padding: 0 $sp-2 $sp-1; font-size: 10px; }
}

@media (prefers-reduced-motion: reduce) {
  // 정지 상태에서도 「1번이 골라져 펼쳐져 있다」 는 것은 보인다 — 움직임만 뺀다
  .pm.is-demo .pm__fold,
  .pm.is-demo .pm__item::before,
  .pm.is-demo .pm__dot::after,
  .pm.is-demo .pm__dtext,
  .pm.is-demo .pm__ic { animation: none !important; }
  .pm.is-demo .pm__dtext,
  .pm.is-demo .pm__ic { transform: none !important; }
  .pm__fold { transition: none !important; }
  .pm__item::before { transition: none !important; }
  .pm__dot::after { transition: none !important; }
}

html, body {
  margin: 0;
  overflow: hidden;
}

.stage {
  box-sizing: border-box;
  min-height: 100vh;
  display: grid;
  place-items: center;
  margin: 0;
  background: #17141a;
  font-family: -apple-system, "Segoe UI", "Noto Sans KR", sans-serif;
  padding: clamp(8px, 4vw, 24px);
}

.pm {
  box-sizing: border-box;
  width: min(300px, 92vw);
  color: #fff7e6;
  font-family: -apple-system, "Segoe UI", "Noto Sans KR", sans-serif;
}

.pm * {
  box-sizing: border-box;
}

.pm__set {
  display: grid;
  gap: 4px;
  margin: 0;
  padding: 0;
  border: 0;
}

.pm__legend {
  padding: 0;
  margin-bottom: 8px;
  font-size: 11px;
  font-weight: 700;
  line-height: 1.3;
  letter-spacing: 0.04em;
  color: rgba(255, 247, 230, 0.62);
}

.pm__item {
  position: relative;
  border-radius: 12px;
  background: rgba(255, 247, 230, 0.08);
}

.pm__item::before {
  content: "";
  position: absolute;
  inset: 0;
  border: 2px solid #2f6df6;
  border-radius: 12px;
  background: rgba(47, 109, 246, 0.18);
  opacity: 0;
  pointer-events: none;
  transition: opacity 220ms linear;
}

.pm__item:has(.pm__radio:checked)::before {
  opacity: 1;
}

.pm__row {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 8px;
  cursor: pointer;
}

.pm__radio {
  position: absolute;
  width: 1px;
  height: 1px;
  margin: 0;
  opacity: 0;
  pointer-events: none;
}

.pm__ic {
  flex: 0 0 auto;
  display: inline-grid;
  place-items: center;
  width: 18px;
  height: 18px;
  color: rgba(255, 247, 230, 0.72);
}

.pm__ic svg {
  width: 18px;
  height: 18px;
}

.pm__item:has(.pm__radio:checked) .pm__ic {
  color: #fff7e6;
}

.pm__name {
  flex: 1 1 auto;
  font-size: 12px;
  font-weight: 700;
  line-height: 1.2;
}

.pm__dot {
  position: relative;
  flex: 0 0 auto;
  width: 16px;
  height: 16px;
  border: 2px solid rgba(255, 247, 230, 0.45);
  border-radius: 50%;
}

.pm__dot::after {
  content: "";
  position: absolute;
  inset: 2px;
  border-radius: 50%;
  background: #2f6df6;
  opacity: 0;
  transform: scale(0.4);
  transition: opacity 140ms linear, transform 220ms cubic-bezier(0.2, 0.8, 0.2, 1);
}

.pm__item:has(.pm__radio:checked) .pm__dot {
  border-color: #2f6df6;
}

.pm__item:has(.pm__radio:checked) .pm__dot::after {
  opacity: 1;
  transform: scale(1);
}

.pm__item:has(.pm__radio:focus-visible) {
  outline: 2px solid #fff7e6;
  outline-offset: 2px;
}

.pm__fold {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows 300ms cubic-bezier(0.2, 0.8, 0.2, 1);
}

.pm__item:has(.pm__radio:checked) .pm__fold {
  grid-template-rows: 1fr;
}

.pm__detail {
  min-height: 0;
  margin: 0;
  overflow: hidden;
}

.pm__dtext {
  display: block;
  padding: 0 8px 8px;
  font-size: 11px;
  line-height: 1.4;
  color: rgba(255, 247, 230, 0.78);
}

@keyframes pm-fold-1 {
  0%, 42% {
    grid-template-rows: 1fr;
  }
  46%, 84% {
    grid-template-rows: 0fr;
  }
  88%, 100% {
    grid-template-rows: 1fr;
  }
}
@keyframes pm-fold-2 {
  0%, 42% {
    grid-template-rows: 0fr;
  }
  46%, 84% {
    grid-template-rows: 1fr;
  }
  88%, 100% {
    grid-template-rows: 0fr;
  }
}
@keyframes pm-on-1 {
  0%, 42% {
    opacity: 1;
  }
  46%, 84% {
    opacity: 0;
  }
  88%, 100% {
    opacity: 1;
  }
}
@keyframes pm-on-2 {
  0%, 42% {
    opacity: 0;
  }
  46%, 84% {
    opacity: 1;
  }
  88%, 100% {
    opacity: 0;
  }
}
@keyframes pm-dot-1 {
  0%, 42% {
    opacity: 1;
    transform: scale(1);
  }
  46%, 84% {
    opacity: 0;
    transform: scale(0.4);
  }
  88%, 100% {
    opacity: 1;
    transform: scale(1);
  }
}
@keyframes pm-dot-2 {
  0%, 42% {
    opacity: 0;
    transform: scale(0.4);
  }
  46%, 84% {
    opacity: 1;
    transform: scale(1);
  }
  88%, 100% {
    opacity: 0;
    transform: scale(0.4);
  }
}
@keyframes pm-rise-1 {
  0%, 87% {
    transform: translateY(0);
  }
  88% {
    transform: translateY(10px);
  }
  100% {
    transform: translateY(0);
  }
}
@keyframes pm-rise-2 {
  0%, 45% {
    transform: translateY(0);
  }
  46% {
    transform: translateY(10px);
  }
  62%, 100% {
    transform: translateY(0);
  }
}
@keyframes pm-pop-1 {
  0%, 87% {
    transform: scale(1);
  }
  88% {
    transform: scale(1.35);
  }
  100% {
    transform: scale(1);
  }
}
@keyframes pm-pop-2 {
  0%, 45% {
    transform: scale(1);
  }
  46% {
    transform: scale(1.35);
  }
  62%, 100% {
    transform: scale(1);
  }
}
.pm.is-demo .pm__fold,
.pm.is-demo .pm__item::before,
.pm.is-demo .pm__dot::after {
  animation-duration: 2s;
  animation-timing-function: steps(1, end);
  animation-iteration-count: infinite;
  animation-fill-mode: backwards;
}
.pm.is-demo .pm__dtext,
.pm.is-demo .pm__ic {
  animation-duration: 2s;
  animation-timing-function: cubic-bezier(0.2, 0.8, 0.2, 1);
  animation-iteration-count: infinite;
  animation-fill-mode: backwards;
}
.pm.is-demo .pm__item:nth-child(2) .pm__fold {
  animation-name: pm-fold-1;
}
.pm.is-demo .pm__item:nth-child(2)::before {
  animation-name: pm-on-1;
}
.pm.is-demo .pm__item:nth-child(2) .pm__dot::after {
  animation-name: pm-dot-1;
}
.pm.is-demo .pm__item:nth-child(2) .pm__dtext {
  animation-name: pm-rise-1;
}
.pm.is-demo .pm__item:nth-child(2) .pm__ic {
  animation-name: pm-pop-1;
}
.pm.is-demo .pm__item:nth-child(3) .pm__fold {
  animation-name: pm-fold-2;
}
.pm.is-demo .pm__item:nth-child(3)::before {
  animation-name: pm-on-2;
}
.pm.is-demo .pm__item:nth-child(3) .pm__dot::after {
  animation-name: pm-dot-2;
}
.pm.is-demo .pm__item:nth-child(3) .pm__dtext {
  animation-name: pm-rise-2;
}
.pm.is-demo .pm__item:nth-child(3) .pm__ic {
  animation-name: pm-pop-2;
}

@media (max-width: 340px) {
  .pm__legend {
    margin-bottom: 4px;
    font-size: 10px;
  }
  .pm__row {
    padding: 4px 8px;
  }
  .pm__name {
    font-size: 11px;
  }
  .pm__dtext {
    padding: 0 8px 4px;
    font-size: 10px;
  }
}
@media (prefers-reduced-motion: reduce) {
  .pm.is-demo .pm__fold,
  .pm.is-demo .pm__item::before,
  .pm.is-demo .pm__dot::after,
  .pm.is-demo .pm__dtext,
  .pm.is-demo .pm__ic {
    animation: none !important;
  }
  .pm.is-demo .pm__dtext,
  .pm.is-demo .pm__ic {
    transform: none !important;
  }
  .pm__fold {
    transition: none !important;
  }
  .pm__item::before {
    transition: none !important;
  }
  .pm__dot::after {
    transition: none !important;
  }
}

// 고른 수단의 상세 칸만 편다 — 여닫는 힘은 :checked 가 내고, JS 는 aria-expanded 만 맞춘다
var pm = document.getElementById('pm');
var rows = pm.querySelectorAll('.pm__row');

function syncExpanded() {
  for (var i = 0; i < rows.length; i++) {
    var picked = rows[i].querySelector('.pm__radio').checked;
    rows[i].setAttribute('aria-expanded', picked ? 'true' : 'false');
  }
}

// 라디오는 키보드 화살표로도 옮겨 다닌다 — change 하나면 마우스·키보드가 같이 걸린다
pm.addEventListener('change', function () {
  pm.classList.remove('is-demo');
  syncExpanded();
});
syncExpanded();

import { useState } from "react";
import type { CSSProperties, ReactNode } from "react";
import styles from "./PayMethodCardExpand.module.scss";

export type PayMethodCardExpandProps = {
  legend?: string;
  cardName?: string;
  cardDetail?: string;
  walletName?: string;
  walletDetail?: string;
  bankName?: string;
  bankDetail?: string;
  /** 격자 미리보기용 2초 자동 루프. 사람이 손대면 꺼진다 */
  demo?: boolean;
  duration?: number;
  easing?: string;
  color?: string;
};

type Vars = CSSProperties & { "--duration"?: string; "--easing"?: string; "--color"?: string };
// ambient 가 얇아 이벤트 타입을 못 쓴다 — 필요한 꼴만 로컬 타입으로 선언
type Method = { value: string; name: string; detail: string; icon: ReactNode };

function CardIcon() {
  return (
    <svg viewBox="0 0 256 256" fill="currentColor"><path d="M232,96v96a8,8,0,0,1-8,8H32a8,8,0,0,1-8-8V96Z" opacity="0.2"/><path d="M224,48H32A16,16,0,0,0,16,64V192a16,16,0,0,0,16,16H224a16,16,0,0,0,16-16V64A16,16,0,0,0,224,48Zm0,16V88H32V64Zm0,128H32V104H224v88Zm-16-24a8,8,0,0,1-8,8H168a8,8,0,0,1,0-16h32A8,8,0,0,1,208,168Zm-64,0a8,8,0,0,1-8,8H120a8,8,0,0,1,0-16h16A8,8,0,0,1,144,168Z"/></svg>
  );
}
function WalletIcon() {
  return (
    <svg viewBox="0 0 256 256" fill="currentColor"><path d="M224,80V192a8,8,0,0,1-8,8H56a16,16,0,0,1-16-16V56A16,16,0,0,0,56,72H216A8,8,0,0,1,224,80Z" opacity="0.2"/><path d="M216,64H56a8,8,0,0,1,0-16H192a8,8,0,0,0,0-16H56A24,24,0,0,0,32,56V184a24,24,0,0,0,24,24H216a16,16,0,0,0,16-16V80A16,16,0,0,0,216,64Zm0,128H56a8,8,0,0,1-8-8V78.63A23.84,23.84,0,0,0,56,80H216Zm-48-60a12,12,0,1,1,12,12A12,12,0,0,1,168,132Z"/></svg>
  );
}
function BankIcon() {
  return (
    <svg viewBox="0 0 256 256" fill="currentColor"><path d="M232,96H24L128,32Z" opacity="0.2"/><path d="M24,104H48v64H32a8,8,0,0,0,0,16H224a8,8,0,0,0,0-16H208V104h24a8,8,0,0,0,4.19-14.81l-104-64a8,8,0,0,0-8.38,0l-104,64A8,8,0,0,0,24,104Zm40,0H96v64H64Zm80,0v64H112V104Zm48,64H160V104h32ZM128,41.39,203.74,88H52.26ZM248,208a8,8,0,0,1-8,8H16a8,8,0,0,1,0-16H240A8,8,0,0,1,248,208Z"/></svg>
  );
}

export default function PayMethodCardExpand({
  legend = "결제 수단",
  cardName = "카드",
  cardDetail = "카드 번호와 할부 개월을 여기서 고릅니다",
  walletName = "간편결제",
  walletDetail = "앱에서 지문으로 확인하면 끝납니다",
  bankName = "계좌이체",
  bankDetail = "입금하실 계좌를 다음 화면에 띄웁니다",
  demo = true,
  duration = 300,
  easing = "cubic-bezier(.2,.8,.2,1)",
  color = "#2f6df6",
}: PayMethodCardExpandProps) {
  const [picked, setPicked] = useState("card");
  const [live, setLive] = useState(demo);

  const vars: Vars = { "--duration": `${duration}ms`, "--easing": easing, "--color": color };

  const methods: Method[] = [
    { value: "card", name: cardName, detail: cardDetail, icon: <CardIcon /> },
    { value: "wallet", name: walletName, detail: walletDetail, icon: <WalletIcon /> },
    { value: "bank", name: bankName, detail: bankDetail, icon: <BankIcon /> },
  ];

  // 라디오는 키보드 화살표로도 옮겨 다닌다 — onChange 하나면 마우스·키보드가 같이 걸린다
  function pick(value: string) {
    setLive(false);
    setPicked(value);
  }

  const loopClass = [styles.loopA, styles.loopB, ""];

  return (
    <form className={[styles.pm, live ? styles.isDemo : ""].filter(Boolean).join(" ")} style={vars}>
      <fieldset className={styles.set}>
        <legend className={styles.legend}>{legend}</legend>
        {methods.map((m, i) => (
          <div key={m.value} className={[styles.item, loopClass[i]].filter(Boolean).join(" ")}>
            <label className={styles.row} aria-expanded={picked === m.value}>
              <input
                className={styles.radio}
                type="radio"
                name="payMethod"
                value={m.value}
                checked={picked === m.value}
                onChange={() => pick(m.value)}
              />
              <span className={styles.ic} aria-hidden="true">{m.icon}</span>
              <span className={styles.name}>{m.name}</span>
              <span className={styles.dot} aria-hidden="true"></span>
            </label>
            {/* 상세 칸 — 닫힘 0fr, 열림 1fr. 높이를 px 로 짐작하지 않으니 글자가 길어져도 맞는다 */}
            <div className={styles.fold}>
              <p className={styles.detail}><span className={styles.dtext}>{m.detail}</span></p>
            </div>
          </div>
        ))}
      </fieldset>
    </form>
  );
}