Create fund.py

fund.py

@@ -0,0 +1,1661 @@
+"""
+🎮 OKCEO 정책자금 사전심사 시스템 v7.0 - 미네랄핵 ULTRA 에디션
+================================================================================
+🆕 비주얼 차트 18개 (기존 6개 + 신규 12개)
+
+  [기존 차트 - 개선]
+  1. 업종별 재무비율 벤치마크 테이블
+  2. 유의사항 체크리스트 대시보드
+  3. 지원가능성 매트릭스
+  4. 예상금액 워터폴 차트
+  5. 프로세스 진행 타임라인
+  6. 신용점수 시뮬레이션
+
+  [신규 차트 - 고급 비주얼] ⭐
+  7. 종합점수 3D 게이지 (애니메이션)
+  8. 재무건전성 레이더 차트 (SVG 애니메이션)
+  9. 기관별 승인확률 도넛 차트 (인터랙티브)
+  10. 자금조달 파이프라인 플로우
+  11. 리스크 히트맵 (카테고리별)
+  12. 경쟁력 벤치마크 바 차트
+  13. 💎 스코어카드 대시보드 (KPI)
+  14. 💎 자금흐름 산키 다이어그램
+  15. 💎 월별 추세 라인 차트
+  16. 💎 기관비교 레이더 오버레이
+  17. 💎 성공/실패 요인 트리맵
+  18. 💎 종합 인포그래픽 보드
+
+================================================================================
+"""
+
+import gradio as gr
+from dataclasses import dataclass, field
+from typing import Dict, List, Optional, Any, Tuple
+from datetime import datetime, date
+import json
+import math
+
+# ============================================================================
+# cache_db 연동 (app.py 통합 시 DB 저장/불러오기)
+# ============================================================================
+try:
+    from cache_db import get_fund_cache
+    _fund_cache = get_fund_cache()
+    HAS_CACHE_DB = True
+except ImportError:
+    HAS_CACHE_DB = False
+    _fund_cache = None
+
+# ============================================================================
+# CUSTOM CSS - 울트라 다크 메탈릭 + 네온 글로우 테마
+# ============================================================================
+
+CUSTOM_CSS = """
+@import url('https://fonts.googleapis.com/css2?family=Noto+Sans+KR:wght@400;500;700&family=Orbitron:wght@400;700;900&family=Rajdhani:wght@500;700&display=swap');
+
+header,.huggingface-space-header,footer{display:none!important}
+
+:root {
+    --neon-green: #6fd9a8;
+    --neon-blue: #6495ed;
+    --neon-purple: #9b59b6;
+    --neon-orange: #ff9500;
+    --neon-red: #ff6b6b;
+    --neon-yellow: #ffd93d;
+    --neon-cyan: #00d4ff;
+    --bg-dark: #0d0d1a;
+    --bg-card: #1a1a2e;
+    --bg-panel: #252540;
+    --text-primary: #e8e8f0;
+    --text-secondary: #8888a0;
+    --glow-green: rgba(111,217,168,0.5);
+    --glow-blue: rgba(100,149,237,0.5);
+}
+
+html,body{background:var(--bg-dark)!important;color:var(--text-primary)!important;}
+
+.gradio-container{
+    font-family:'Noto Sans KR','Rajdhani',sans-serif!important;
+    background:linear-gradient(135deg,#0d1117 0%,#161b22 50%,#0d1117 100%)!important;
+    max-width:100%!important;padding:20px!important;min-height:100vh;
+}
+
+/* ============ 네온 글로우 애니메이션 ============ */
+@keyframes neon-pulse {
+    0%, 100% { 
+        box-shadow: 0 0 5px var(--neon-green), 0 0 10px var(--neon-green), 0 0 20px var(--glow-green);
+        border-color: var(--neon-green);
+    }
+    50% { 
+        box-shadow: 0 0 10px var(--neon-green), 0 0 20px var(--neon-green), 0 0 40px var(--glow-green);
+        border-color: #8fe8c0;
+    }
+}
+
+@keyframes rotate-3d {
+    0% { transform: perspective(500px) rotateY(0deg); }
+    100% { transform: perspective(500px) rotateY(360deg); }
+}
+
+@keyframes fill-bar {
+    from { width: 0%; }
+}
+
+@keyframes count-up {
+    from { opacity: 0; transform: scale(0.5) translateY(20px); }
+    to { opacity: 1; transform: scale(1) translateY(0); }
+}
+
+@keyframes slide-up {
+    from { opacity: 0; transform: translateY(30px); }
+    to { opacity: 1; transform: translateY(0); }
+}
+
+@keyframes shimmer {
+    0% { background-position: -200% center; }
+    100% { background-position: 200% center; }
+}
+
+@keyframes float {
+    0%, 100% { transform: translateY(0); }
+    50% { transform: translateY(-10px); }
+}
+
+@keyframes radar-scan {
+    0% { transform: rotate(0deg); opacity: 0.8; }
+    100% { transform: rotate(360deg); opacity: 0.8; }
+}
+
+@keyframes pulse-ring {
+    0% { transform: scale(0.8); opacity: 1; }
+    100% { transform: scale(1.5); opacity: 0; }
+}
+
+@keyframes glow-text {
+    0%, 100% { text-shadow: 0 0 10px var(--neon-green), 0 0 20px var(--neon-green); }
+    50% { text-shadow: 0 0 20px var(--neon-green), 0 0 40px var(--neon-green), 0 0 60px var(--neon-green); }
+}
+
+@keyframes border-flow {
+    0% { border-color: var(--neon-green); }
+    33% { border-color: var(--neon-blue); }
+    66% { border-color: var(--neon-purple); }
+    100% { border-color: var(--neon-green); }
+}
+
+/* ============ 차트 컨테이너 스타일 ============ */
+.chart-ultra {
+    background: linear-gradient(145deg, #1a1a2e 0%, #0d0d1a 100%)!important;
+    border-radius: 20px!important;
+    padding: 28px!important;
+    margin: 16px 0!important;
+    border: 1px solid rgba(111,217,168,0.2)!important;
+    box-shadow: 0 10px 40px rgba(0,0,0,0.5), inset 0 1px 0 rgba(255,255,255,0.05)!important;
+    position: relative;
+    overflow: hidden;
+}
+
+.chart-ultra::before {
+    content: '';
+    position: absolute;
+    top: 0;
+    left: 0;
+    right: 0;
+    height: 1px;
+    background: linear-gradient(90deg, transparent, var(--neon-green), transparent);
+}
+
+.chart-ultra:hover {
+    border-color: rgba(111,217,168,0.4)!important;
+    box-shadow: 0 15px 50px rgba(0,0,0,0.6), 0 0 30px rgba(111,217,168,0.1)!important;
+}
+
+/* ============ 스코어카드 스타일 ============ */
+.score-card {
+    background: linear-gradient(145deg, #252540, #1a1a2e);
+    border-radius: 16px;
+    padding: 24px;
+    text-align: center;
+    border: 1px solid rgba(255,255,255,0.1);
+    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
+    position: relative;
+    overflow: hidden;
+}
+
+.score-card::after {
+    content: '';
+    position: absolute;
+    top: -50%;
+    left: -50%;
+    width: 200%;
+    height: 200%;
+    background: linear-gradient(45deg, transparent, rgba(255,255,255,0.03), transparent);
+    transform: rotate(45deg);
+    transition: all 0.5s;
+}
+
+.score-card:hover {
+    transform: translateY(-8px) scale(1.02);
+    border-color: var(--neon-green);
+    box-shadow: 0 20px 40px rgba(0,0,0,0.4), 0 0 30px rgba(111,217,168,0.2);
+}
+
+.score-card:hover::after {
+    left: 100%;
+}
+
+.score-card.highlight {
+    animation: neon-pulse 2s ease-in-out infinite;
+}
+
+.score-card .value {
+    font-family: 'Orbitron', sans-serif;
+    font-size: 42px;
+    font-weight: 900;
+    background: linear-gradient(135deg, #fff, var(--neon-green));
+    -webkit-background-clip: text;
+    -webkit-text-fill-color: transparent;
+    animation: count-up 0.8s ease-out;
+}
+
+.score-card .label {
+    color: var(--text-secondary);
+    font-size: 13px;
+    margin-top: 8px;
+    text-transform: uppercase;
+    letter-spacing: 1px;
+}
+
+/* ============ 프로그레스 바 ============ */
+.progress-ultra {
+    height: 12px;
+    background: #1a1a2e;
+    border-radius: 6px;
+    overflow: hidden;
+    box-shadow: inset 0 2px 4px rgba(0,0,0,0.5);
+}
+
+.progress-ultra .fill {
+    height: 100%;
+    border-radius: 6px;
+    background: linear-gradient(90deg, var(--neon-green), #8fe8c0, var(--neon-green));
+    background-size: 200% 100%;
+    animation: shimmer 2s linear infinite, fill-bar 1s ease-out;
+    box-shadow: 0 0 10px var(--glow-green);
+}
+
+/* ============ 버튼 스타일 ============ */
+button,.gr-button{
+    background: linear-gradient(145deg, #2a2a45, #1a1a30)!important;
+    color:var(--text-primary)!important;
+    border:1px solid rgba(111,217,168,0.3)!important;
+    border-radius:12px!important;
+    font-weight:600!important;
+    transition:all 0.3s cubic-bezier(0.4, 0, 0.2, 1)!important;
+}
+
+button:hover,.gr-button:hover{
+    background: linear-gradient(145deg, #3a3a55, #2a2a40)!important;
+    transform:translateY(-3px)!important;
+    box-shadow:0 10px 30px rgba(0,0,0,0.4), 0 0 20px rgba(111,217,168,0.2)!important;
+    border-color: var(--neon-green)!important;
+}
+
+.analyze-btn button{
+    background:linear-gradient(135deg,#1a6b4a,#3a8f6a,#6fd9a8)!important;
+    color:#fff!important;
+    font-size:18px!important;
+    padding:18px 50px!important;
+    border:2px solid var(--neon-green)!important;
+    text-shadow: 0 0 10px rgba(0,0,0,0.5);
+}
+
+.analyze-btn button:hover{
+    box-shadow:0 10px 40px rgba(111,217,168,0.4), 0 0 60px rgba(111,217,168,0.2)!important;
+}
+
+/* ============ 입력 필드 ============ */
+input,textarea,select{
+    background:#1a1a2e!important;
+    color:var(--text-primary)!important;
+    border:1px solid rgba(111,217,168,0.2)!important;
+    border-radius:10px!important;
+    transition:all 0.3s ease!important;
+}
+
+input:focus,textarea:focus,select:focus{
+    border-color:var(--neon-green)!important;
+    box-shadow:0 0 20px rgba(111,217,168,0.2)!important;
+    outline:none!important;
+}
+
+/* ============ 탭 스타일 ============ */
+[role="tablist"]{
+    background:transparent!important;
+    border-bottom:1px solid rgba(111,217,168,0.2)!important;
+}
+
+[role="tab"]{
+    background:transparent!important;
+    color:var(--text-secondary)!important;
+    border:none!important;
+    padding:12px 20px!important;
+    transition:all 0.3s ease!important;
+}
+
+[role="tab"][aria-selected="true"]{
+    color:var(--neon-green)!important;
+    background:rgba(111,217,168,0.1)!important;
+    border-bottom:3px solid var(--neon-green)!important;
+}
+
+[role="tab"]:hover{
+    color:var(--neon-green)!important;
+    background:rgba(111,217,168,0.05)!important;
+}
+
+/* ============ 테이블 ============ */
+table{border-collapse:separate;border-spacing:0;width:100%;}
+th{background:#252540!important;color:var(--neon-green)!important;padding:14px!important;
+    border-bottom:2px solid var(--neon-green)!important;font-weight:600;text-align:left;}
+td{background:#1a1a2e!important;padding:12px 14px!important;
+    border-bottom:1px solid rgba(255,255,255,0.05)!important;}
+tr:hover td{background:#252540!important;}
+
+/* ============ 히든 스크롤바 ============ */
+::-webkit-scrollbar{width:8px;height:8px;}
+::-webkit-scrollbar-track{background:#0d0d1a;}
+::-webkit-scrollbar-thumb{background:var(--neon-green);border-radius:4px;}
+::-webkit-scrollbar-thumb:hover{background:#8fe8c0;}
+"""
+
+# ============================================================================
+# 데이터 상수
+# ============================================================================
+
+INDUSTRY_FINANCIAL_RATIOS = {
+    "A01 농업": {"code": "A01", "총자산증가율": 9.01, "매출액증가율": 12.31, "매출액영업이익률": 2.14, "유동비율": 104.53, "부채비율": 165.15, "제한부채비율": 500, "이자보상비율": 104.69},
+    "A03 어업": {"code": "A03", "총자산증가율": 45.04, "매출액증가율": 21.6, "매출액영업이익률": 8.38, "유동비율": 108.07, "부채비율": 102.09, "제한부채비율": 500, "이자보상비율": 499.98},
+    "B 광업": {"code": "B", "총자산증가율": -0.08, "매출액증가율": 13.75, "매출액영업이익률": 6.42, "유동비율": 55.56, "부채비율": -1096.54, "제한부채비율": 500, "이자보상비율": 38.78},
+    "C 제조업": {"code": "C", "총자산증가율": 7.54, "매출액증가율": 14.63, "매출액영업이익률": 5.72, "유동비율": 141.51, "부채비율": 76.95, "제한부채비율": 365.7, "이자보상비율": 693.43},
+    "D 전기가스": {"code": "D", "총자산증가율": 8.5, "매출액증가율": 15.2, "매출액영업이익률": 4.8, "유동비율": 95.0, "부채비율": 180.0, "제한부채비율": 400, "이자보상비율": 250.0},
+    "F 건설업": {"code": "F", "총자산증가율": 5.2, "매출액증가율": 8.5, "매출액영업이익률": 3.5, "유동비율": 125.0, "부채비율": 220.0, "제한부채비율": 450, "이자보상비율": 180.0},
+    "G 도소매업": {"code": "G", "총자산증가율": 6.8, "매출액증가율": 10.5, "매출액영업이익률": 2.8, "유동비율": 115.0, "부채비율": 145.0, "제한부채비율": 400, "이자보상비율": 220.0},
+    "H 운수창고업": {"code": "H", "총자산증가율": 4.5, "매출액증가율": 7.8, "매출액영업이익률": 4.2, "유동비율": 98.0, "부채비율": 195.0, "제한부채비율": 420, "이자보상비율": 165.0},
+    "I 숙박음식업": {"code": "I", "총자산증가율": 3.2, "매출액증가율": 5.5, "매출액영업이익률": 2.1, "유동비율": 85.0, "부채비율": 210.0, "제한부채비율": 450, "이자보상비율": 95.0},
+    "J 정보통신업": {"code": "J", "총자산증가율": 12.5, "매출액증가율": 18.2, "매출액영업이익률": 8.5, "유동비율": 165.0, "부채비율": 85.0, "제한부채비율": 350, "이자보상비율": 850.0},
+    "K 금융보험업": {"code": "K", "총자산증가율": 6.2, "매출액증가율": 8.9, "매출액영업이익률": 12.5, "유동비율": 120.0, "부채비율": 250.0, "제한부채비율": 500, "이자보상비율": 320.0},
+    "L 부동산업": {"code": "L", "총자산증가율": 8.8, "매출액증가율": 6.5, "매출액영업이익률": 15.2, "유동비율": 75.0, "부채비율": 185.0, "제한부채비율": 400, "이자보상비율": 280.0},
+    "M 전문과학기술": {"code": "M", "총자산증가율": 10.2, "매출액증가율": 15.8, "매출액영업이익률": 7.2, "유동비율": 155.0, "부채비율": 95.0, "제한부채비율": 380, "이자보상비율": 720.0},
+    "N 사업서비스": {"code": "N", "총자산증가율": 8.8, "매출액증가율": 12.5, "매출액영업이익률": 5.5, "유동비율": 135.0, "부채비율": 120.0, "제한부채비율": 400, "이자보상비율": 450.0},
+    "P 교육서비스": {"code": "P", "총자산증가율": 5.5, "매출액증가율": 6.8, "매출액영업이익률": 6.5, "유동비율": 142.0, "부채비율": 88.0, "제한부채비율": 380, "이자보상비율": 520.0},
+    "Q 보건복지": {"code": "Q", "총자산증가율": 9.2, "매출액증가율": 11.5, "매출액영업이익률": 4.8, "유동비율": 118.0, "부채비율": 135.0, "제한부채비율": 400, "이자보상비율": 385.0}
+}
+
+CAUTION_ITEMS = {
+    "A": {"name": "지원금액 부족 (창업 1년 이내)", "severity": "조건부", "deduction": 30, "category": "자금"},
+    "B": {"name": "지원금액 부족 (창업 1~3년)", "severity": "조건부", "deduction": 70, "category": "자금"},
+    "C": {"name": "지원금액 부족 (창업 3년 초과)", "severity": "불가", "deduction": 100, "category": "자금"},
+    "D": {"name": "지원금액 부족 (보증기관 사용중)", "severity": "불가", "deduction": 100, "category": "자금"},
+    "E": {"name": "마지막 보증서 발행 10개월 미만", "severity": "불가", "deduction": 100, "category": "보증"},
+    "F": {"name": "마지막 보증서 발행 10개월~1년", "severity": "조건부", "deduction": 50, "category": "보증"},
+    "0": {"name": "정부지원 제한업종", "severity": "불가", "deduction": 100, "category": "업종"},
+    "1": {"name": "대표자 신용점수 640점 미만", "severity": "불가", "deduction": 100, "category": "신용"},
+    "2": {"name": "대표자 신용점수 640~700점", "severity": "조건부", "deduction": 50, "category": "신용"},
+    "3": {"name": "보증기관 채무 미변제", "severity": "불가", "deduction": 100, "category": "채무"},
+    "4": {"name": "대표자 경력/학력 부족", "severity": "불가", "deduction": 100, "category": "자격"},
+    "5": {"name": "대표자/최대주주 파산 이력", "severity": "불가", "deduction": 100, "category": "법적"},
+    "6": {"name": "회생/회생신청 이력", "severity": "불가", "deduction": 100, "category": "법적"},
+    "7": {"name": "관계기업 신용관리정보 등록", "severity": "불가", "deduction": 100, "category": "신용"},
+    "8": {"name": "소송 진행/범죄사실 연루", "severity": "불가", "deduction": 100, "category": "법적"},
+    "9": {"name": "대표자 형사처벌 이력", "severity": "불가", "deduction": 100, "category": "법적"},
+    "10": {"name": "부동산 권리침해 진행중", "severity": "불가", "deduction": 100, "category": "담보"},
+    "11": {"name": "권리침해 해제 후 10개월 미만", "severity": "불가", "deduction": 100, "category": "담보"},
+    "12": {"name": "권리침해 해제 후 10개월 이상", "severity": "조건부", "deduction": 50, "category": "담보"},
+    "13": {"name": "기업 신용정보관리 등록", "severity": "불가", "deduction": 100, "category": "신용"},
+    "14": {"name": "대표자 신용정보관리 등록", "severity": "불가", "deduction": 100, "category": "신용"},
+    "15": {"name": "국세 체납중", "severity": "조건부", "deduction": 60, "category": "체납"},
+    "16": {"name": "지방세 체납중", "severity": "조건부", "deduction": 60, "category": "체납"},
+    "17": {"name": "4대보험 체납중", "severity": "조건부", "deduction": 50, "category": "체납"},
+    "18": {"name": "관계기업 체납중", "severity": "조건부", "deduction": 50, "category": "체납"},
+    "19": {"name": "대표자 개인 국세 체납", "severity": "조건부", "deduction": 60, "category": "체납"},
+    "20": {"name": "대표자 개인 지방세 체납", "severity": "조건부", "deduction": 60, "category": "체납"},
+    "21": {"name": "3개월 이내 10일 이상 연체", "severity": "조건부", "deduction": 70, "category": "연체"},
+    "22": {"name": "1년 이내 보증사고 (기업)", "severity": "불가", "deduction": 100, "category": "보증"},
+    "23": {"name": "1년 이내 보증사고 (관계기업)", "severity": "불가", "deduction": 100, "category": "보증"},
+    "24": {"name": "관계기업 부동산 권리침해", "severity": "조건부", "deduction": 50, "category": "담보"},
+    "25": {"name": "자본잠식 상태", "severity": "조건부", "deduction": 70, "category": "재무"},
+    "26": {"name": "완전자본잠식", "severity": "불가", "deduction": 100, "category": "재무"},
+    "27": {"name": "부채비율 제한초과", "severity": "조건부", "deduction": 60, "category": "재무"},
+    "28": {"name": "2년 연속 당기순손실", "severity": "조건부", "deduction": 50, "category": "재무"},
+    "29": {"name": "3년 연속 당기순손실", "severity": "불가", "deduction": 100, "category": "재무"},
+    "30": {"name": "영업이익 적자", "severity": "조건부", "deduction": 40, "category": "재무"},
+    "36": {"name": "기존 보증사용금액 과다", "severity": "조건부", "deduction": 50, "category": "보증"},
+    "37": {"name": "매출액 감소 추세", "severity": "조건부", "deduction": 30, "category": "재무"},
+    "38": {"name": "대표자 변경 1년 이내", "severity": "조건부", "deduction": 40, "category": "경영"},
+    "39": {"name": "휴업/폐업 이력", "severity": "조건부", "deduction": 60, "category": "경영"},
+    "40": {"name": "사업장 임차계약 불안정", "severity": "조건부", "deduction": 30, "category": "경영"},
+    "45": {"name": "금액제한 사유 해당 (MAX 2억)", "severity": "조건부", "deduction": 30, "category": "자금"}
+}
+
+PROCESS_STEPS = [
+    {"step": 1, "name": "신규접수", "desc": "정보활용동의, 사업자번호, 대표자 확인", "duration": "즉시", "icon": "📝"},
+    {"step": 2, "name": "질의응답", "desc": "이메일, 설문작성 (69개 질문)", "duration": "10~30분", "icon": "💬"},
+    {"step": 3, "name": "API 수집", "desc": "17개 공공데이터 연계 조회", "duration": "자동", "icon": "🔄"},
+    {"step": 4, "name": "판독분석", "desc": "유의상태, 추천기관, 지원금액", "duration": "자동", "icon": "🔍"},
+    {"step": 5, "name": "리포트생성", "desc": "분석 결과 생성 완료", "duration": "즉시", "icon": "📊"},
+    {"step": 6, "name": "브리프", "desc": "부분 리포트 & 결재요청", "duration": "확인", "icon": "📋"},
+    {"step": 7, "name": "결재확인", "desc": "결재 완료 대기", "duration": "1~3일", "icon": "✅"},
+    {"step": 8, "name": "전체리포트", "desc": "전체 리포트 & 추가서비스", "duration": "즉시", "icon": "🏆"}
+]
+
+PROGRAMS = {
+    "신용보증기금": {"max": 30, "rate": "0.5~1.5%", "period": "5년", "color": "#6fd9a8"},
+    "기술보증기금": {"max": 30, "rate": "1.0~1.5%", "period": "5년", "color": "#ffd93d"},
+    "지역신보재단": {"max": 2, "rate": "0.5~1.0%", "period": "3년", "color": "#6495ed"},
+    "창업보증": {"max": 10, "rate": "0.8~1.2%", "period": "5년", "color": "#9b59b6"},
+    "혁신성장": {"max": 50, "rate": "0.5~1.0%", "period": "5년", "color": "#00d4ff"},
+    "수출기업": {"max": 30, "rate": "0.7~1.2%", "period": "5년", "color": "#ff9500"}
+}
+
+# ============================================================================
+# 🎯 차트 1: 3D 종합점수 게이지 (울트라 버전)
+# ============================================================================
+
+def generate_ultra_gauge(score: int, title: str = "종합점수") -> str:
+    """3D 효과 종합점수 게이지"""
+    
+    if score >= 80: color, status, emoji = "#6fd9a8", "EXCELLENT", "🏆"
+    elif score >= 60: color, status, emoji = "#7be8c0", "GOOD", "✅"
+    elif score >= 40: color, status, emoji = "#ffd93d", "FAIR", "⚠️"
+    else: color, status, emoji = "#ff6b6b", "RISK", "🚨"
+    
+    # SVG 계산
+    radius = 80
+    circumference = 2 * 3.14159 * radius
+    offset = circumference - (score / 100) * circumference
+    
+    html = f"""
+    <div class="chart-ultra" style="text-align:center;">
+        <div style="display:flex;align-items:center;justify-content:center;gap:8px;margin-bottom:24px;">
+            <span style="font-size:28px;">{emoji}</span>
+            <h3 style="margin:0;color:var(--neon-green);font-family:'Orbitron',sans-serif;font-size:22px;
+                animation:glow-text 2s ease-in-out infinite;">{title}</h3>
+        </div>
+        
+        <div style="position:relative;width:220px;height:220px;margin:0 auto;">
+            <!-- 배경 글로우 -->
+            <div style="position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);
+                width:180px;height:180px;border-radius:50%;
+                background:radial-gradient(circle,{color}15 0%,transparent 70%);
+                animation:pulse-ring 2s ease-out infinite;"></div>
+            
+            <svg width="220" height="220" viewBox="0 0 220 220" style="transform:rotate(-90deg);">
+                <defs>
+                    <linearGradient id="gaugeGrad" x1="0%" y1="0%" x2="100%" y2="0%">
+                        <stop offset="0%" style="stop-color:{color}"/>
+                        <stop offset="50%" style="stop-color:#fff"/>
+                        <stop offset="100%" style="stop-color:{color}"/>
+                    </linearGradient>
+                    <filter id="glow">
+                        <feGaussianBlur stdDeviation="4" result="coloredBlur"/>
+                        <feMerge><feMergeNode in="coloredBlur"/><feMergeNode in="SourceGraphic"/></feMerge>
+                    </filter>
+                    <filter id="shadow">
+                        <feDropShadow dx="0" dy="4" stdDeviation="8" flood-color="#000" flood-opacity="0.5"/>
+                    </filter>
+                </defs>
+                
+                <!-- 외곽 링 (3D 효과) -->
+                <circle cx="110" cy="110" r="100" fill="none" stroke="#1a1a2e" stroke-width="20" filter="url(#shadow)"/>
+                <circle cx="110" cy="110" r="100" fill="none" stroke="#252540" stroke-width="18"/>
+                
+                <!-- 배경 트랙 -->
+                <circle cx="110" cy="110" r="{radius}" fill="none" stroke="#2a2a45" stroke-width="14"/>
+                
+                <!-- 진행 바 -->
+                <circle cx="110" cy="110" r="{radius}" fill="none" 
+                    stroke="url(#gaugeGrad)" stroke-width="14" stroke-linecap="round"
+                    stroke-dasharray="{circumference}" stroke-dashoffset="{offset}"
+                    filter="url(#glow)"
+                    style="transition:stroke-dashoffset 1.5s cubic-bezier(0.4, 0, 0.2, 1);"/>
+                
+                <!-- 포인터 점 -->
+                <circle cx="110" cy="{110-radius}" r="8" fill="{color}" filter="url(#glow)">
+                    <animateTransform attributeName="transform" type="rotate"
+                        from="0 110 110" to="{score*3.6} 110 110" dur="1.5s" fill="freeze"/>
+                </circle>
+            </svg>
+            
+            <!-- 중앙 값 -->
+            <div style="position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);text-align:center;">
+                <div style="font-family:'Orbitron',sans-serif;font-size:56px;font-weight:900;
+                    color:{color};text-shadow:0 0 30px {color}80;
+                    animation:count-up 1s ease-out;">{score}</div>
+                <div style="font-size:14px;color:var(--text-secondary);margin-top:-5px;">/ 100</div>
+            </div>
+        </div>
+        
+        <!-- 상태 배지 -->
+        <div style="margin-top:24px;">
+            <span style="display:inline-block;padding:10px 30px;
+                background:linear-gradient(135deg,{color}20,{color}10);
+                border:2px solid {color};border-radius:30px;
+                color:{color};font-family:'Orbitron',sans-serif;font-weight:700;font-size:16px;
+                box-shadow:0 0 20px {color}40;letter-spacing:2px;">
+                {status}
+            </span>
+        </div>
+        
+        <!-- 스케일 바 -->
+        <div style="display:flex;justify-content:center;gap:15px;margin-top:20px;">
+            <span style="display:flex;align-items:center;gap:5px;font-size:11px;">
+                <span style="width:10px;height:10px;background:#ff6b6b;border-radius:2px;"></span>
+                <span style="color:var(--text-secondary);">0-39</span>
+            </span>
+            <span style="display:flex;align-items:center;gap:5px;font-size:11px;">
+                <span style="width:10px;height:10px;background:#ffd93d;border-radius:2px;"></span>
+                <span style="color:var(--text-secondary);">40-59</span>
+            </span>
+            <span style="display:flex;align-items:center;gap:5px;font-size:11px;">
+                <span style="width:10px;height:10px;background:#7be8c0;border-radius:2px;"></span>
+                <span style="color:var(--text-secondary);">60-79</span>
+            </span>
+            <span style="display:flex;align-items:center;gap:5px;font-size:11px;">
+                <span style="width:10px;height:10px;background:#6fd9a8;border-radius:2px;"></span>
+                <span style="color:var(--text-secondary);">80+</span>
+            </span>
+        </div>
+    </div>
+    """
+    return html
+
+# ============================================================================
+# 🕸️ 차트 2: 레이더 차트 (5축 SVG 애니메이션)
+# ============================================================================
+
+def generate_radar_chart(data: dict, title: str = "재무건전성 분석") -> str:
+    """SVG 레이더 차트 with 애니메이션"""
+    
+    metrics = [
+        ("수익성", data.get("수익성", 60)),
+        ("안정성", data.get("안정성", 70)),
+        ("성장성", data.get("성장성", 55)),
+        ("활동성", data.get("활동성", 65)),
+        ("생산성", data.get("생산성", 50))
+    ]
+    
+    cx, cy = 150, 150
+    max_r = 100
+    n = len(metrics)
+    angles = [(i * 360 / n - 90) * math.pi / 180 for i in range(n)]
+    
+    # 배경 그리드
+    grid_html = ""
+    for level in [20, 40, 60, 80, 100]:
+        points = " ".join([f"{cx + level/100*max_r*math.cos(a)},{cy + level/100*max_r*math.sin(a)}" for a in angles])
+        grid_html += f'<polygon points="{points}" fill="none" stroke="#2a2a45" stroke-width="1"/>'
+    
+    # 축 선
+    axes_html = ""
+    for a in angles:
+        axes_html += f'<line x1="{cx}" y1="{cy}" x2="{cx + max_r*math.cos(a)}" y2="{cy + max_r*math.sin(a)}" stroke="#3a3a55" stroke-width="1"/>'
+    
+    # 데이터 폴리곤
+    data_points = " ".join([f"{cx + metrics[i][1]/100*max_r*math.cos(angles[i])},{cy + metrics[i][1]/100*max_r*math.sin(angles[i])}" for i in range(n)])
+    
+    # 라벨
+    labels_html = ""
+    for i, (name, val) in enumerate(metrics):
+        lx = cx + (max_r + 30) * math.cos(angles[i])
+        ly = cy + (max_r + 30) * math.sin(angles[i])
+        color = "#6fd9a8" if val >= 70 else "#ffd93d" if val >= 50 else "#ff6b6b"
+        labels_html += f'''
+            <text x="{lx}" y="{ly}" fill="{color}" font-size="13" font-weight="600" 
+                text-anchor="middle" dominant-baseline="middle">{name}</text>
+            <text x="{lx}" y="{ly + 16}" fill="var(--text-secondary)" font-size="11" 
+                text-anchor="middle">{val}점</text>
+        '''
+    
+    avg = sum(v for _, v in metrics) // n
+    avg_color = "#6fd9a8" if avg >= 70 else "#ffd93d" if avg >= 50 else "#ff6b6b"
+    
+    html = f"""
+    <div class="chart-ultra">
+        <h3 style="color:var(--neon-green);margin-bottom:20px;text-align:center;
+            font-family:'Rajdhani',sans-serif;font-size:20px;">🕸️ {title}</h3>
+        
+        <svg width="300" height="300" viewBox="0 0 300 300" style="display:block;margin:0 auto;">
+            <defs>
+                <linearGradient id="radarFill" x1="0%" y1="0%" x2="100%" y2="100%">
+                    <stop offset="0%" style="stop-color:#6fd9a8;stop-opacity:0.6"/>
+                    <stop offset="100%" style="stop-color:#3a8f6a;stop-opacity:0.2"/>
+                </linearGradient>
+                <filter id="radarGlow">
+                    <feGaussianBlur stdDeviation="3" result="blur"/>
+                    <feMerge><feMergeNode in="blur"/><feMergeNode in="SourceGraphic"/></feMerge>
+                </filter>
+            </defs>
+            
+            {grid_html}
+            {axes_html}
+            
+            <!-- 데이터 영역 -->
+            <polygon points="{data_points}" fill="url(#radarFill)" stroke="#6fd9a8" 
+                stroke-width="2" filter="url(#radarGlow)"
+                style="animation:slide-up 0.8s ease-out;">
+                <animate attributeName="opacity" from="0" to="1" dur="1s"/>
+            </polygon>
+            
+            <!-- 데이터 포인트 -->
+            {''.join([f'<circle cx="{cx + metrics[i][1]/100*max_r*math.cos(angles[i])}" cy="{cy + metrics[i][1]/100*max_r*math.sin(angles[i])}" r="6" fill="#6fd9a8" stroke="#fff" stroke-width="2"><animate attributeName="r" from="0" to="6" dur="0.5s" begin="{i*0.1}s"/></circle>' for i in range(n)])}
+            
+            {labels_html}
+        </svg>
+        
+        <!-- 평균 점수 -->
+        <div style="text-align:center;margin-top:15px;padding:15px;
+            background:linear-gradient(145deg,#252540,#1a1a2e);border-radius:12px;">
+            <span style="color:var(--text-secondary);font-size:14px;">종합 평균</span>
+            <span style="font-family:'Orbitron',sans-serif;font-size:28px;font-weight:700;
+                color:{avg_color};margin-left:15px;">{avg}</span>
+            <span style="color:var(--text-secondary);font-size:14px;">점</span>
+        </div>
+    </div>
+    """
+    return html
+
+# ============================================================================
+# 🍩 차트 3: 기관별 도넛 차트
+# ============================================================================
+
+def generate_donut_chart(sinbo: int, kibo: int, jaedan: int) -> str:
+    """기관별 승인확률 도넛"""
+    
+    total = max(1, sinbo + kibo + jaedan)
+    r = 65
+    circ = 2 * 3.14159 * r
+    
+    sinbo_arc = circ * sinbo / total
+    kibo_arc = circ * kibo / total
+    jaedan_arc = circ * jaedan / total
+    
+    def get_grade(s):
+        if s >= 70: return ("A", "#6fd9a8")
+        elif s >= 50: return ("B", "#ffd93d")
+        else: return ("C", "#ff6b6b")
+    
+    html = f"""
+    <div class="chart-ultra">
+        <h3 style="color:var(--neon-green);margin-bottom:24px;text-align:center;
+            font-family:'Rajdhani',sans-serif;font-size:20px;">🎯 기관별 승인확률</h3>
+        
+        <div style="display:flex;justify-content:center;align-items:center;gap:50px;flex-wrap:wrap;">
+            <!-- 도넛 차트 -->
+            <div style="position:relative;width:180px;height:180px;">
+                <svg width="180" height="180" viewBox="0 0 180 180" style="transform:rotate(-90deg);">
+                    <defs>
+                        <filter id="donutGlow">
+                            <feGaussianBlur stdDeviation="3"/><feMerge><feMergeNode/><feMergeNode in="SourceGraphic"/></feMerge>
+                        </filter>
+                    </defs>
+                    <circle cx="90" cy="90" r="{r}" fill="none" stroke="#2a2a45" stroke-width="22"/>
+                    <circle cx="90" cy="90" r="{r}" fill="none" stroke="#6fd9a8" stroke-width="22"
+                        stroke-dasharray="{sinbo_arc} {circ}" stroke-dashoffset="0" filter="url(#donutGlow)">
+                        <animate attributeName="stroke-dasharray" from="0 {circ}" to="{sinbo_arc} {circ}" dur="1s"/>
+                    </circle>
+                    <circle cx="90" cy="90" r="{r}" fill="none" stroke="#ffd93d" stroke-width="22"
+                        stroke-dasharray="{kibo_arc} {circ}" stroke-dashoffset="{-sinbo_arc}" filter="url(#donutGlow)">
+                        <animate attributeName="stroke-dasharray" from="0 {circ}" to="{kibo_arc} {circ}" dur="1s" begin="0.3s"/>
+                    </circle>
+                    <circle cx="90" cy="90" r="{r}" fill="none" stroke="#6495ed" stroke-width="22"
+                        stroke-dasharray="{jaedan_arc} {circ}" stroke-dashoffset="{-(sinbo_arc+kibo_arc)}" filter="url(#donutGlow)">
+                        <animate attributeName="stroke-dasharray" from="0 {circ}" to="{jaedan_arc} {circ}" dur="1s" begin="0.6s"/>
+                    </circle>
+                </svg>
+                <div style="position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);text-align:center;">
+                    <div style="font-size:12px;color:var(--text-secondary);">평균</div>
+                    <div style="font-family:'Orbitron',sans-serif;font-size:32px;font-weight:700;color:#fff;">
+                        {(sinbo+kibo+jaedan)//3}%
+                    </div>
+                </div>
+            </div>
+            
+            <!-- 범례 -->
+            <div style="display:flex;flex-direction:column;gap:16px;">
+                <div style="display:flex;align-items:center;gap:15px;padding:14px 20px;
+                    background:linear-gradient(145deg,rgba(111,217,168,0.1),transparent);
+                    border-radius:12px;border-left:4px solid #6fd9a8;">
+                    <div style="width:14px;height:14px;background:#6fd9a8;border-radius:50%;box-shadow:0 0 10px #6fd9a880;"></div>
+                    <div>
+                        <div style="font-size:12px;color:var(--text-secondary);">신용보증기금</div>
+                        <div style="font-family:'Orbitron',sans-serif;font-size:26px;font-weight:700;color:#6fd9a8;">{sinbo}%</div>
+                    </div>
+                    <span style="margin-left:auto;font-size:20px;padding:5px 12px;background:{get_grade(sinbo)[1]}30;
+                        border-radius:8px;color:{get_grade(sinbo)[1]};font-weight:700;">{get_grade(sinbo)[0]}</span>
+                </div>
+                
+                <div style="display:flex;align-items:center;gap:15px;padding:14px 20px;
+                    background:linear-gradient(145deg,rgba(255,217,61,0.1),transparent);
+                    border-radius:12px;border-left:4px solid #ffd93d;">
+                    <div style="width:14px;height:14px;background:#ffd93d;border-radius:50%;box-shadow:0 0 10px #ffd93d80;"></div>
+                    <div>
+                        <div style="font-size:12px;color:var(--text-secondary);">기술보증기금</div>
+                        <div style="font-family:'Orbitron',sans-serif;font-size:26px;font-weight:700;color:#ffd93d;">{kibo}%</div>
+                    </div>
+                    <span style="margin-left:auto;font-size:20px;padding:5px 12px;background:{get_grade(kibo)[1]}30;
+                        border-radius:8px;color:{get_grade(kibo)[1]};font-weight:700;">{get_grade(kibo)[0]}</span>
+                </div>
+                
+                <div style="display:flex;align-items:center;gap:15px;padding:14px 20px;
+                    background:linear-gradient(145deg,rgba(100,149,237,0.1),transparent);
+                    border-radius:12px;border-left:4px solid #6495ed;">
+                    <div style="width:14px;height:14px;background:#6495ed;border-radius:50%;box-shadow:0 0 10px #6495ed80;"></div>
+                    <div>
+                        <div style="font-size:12px;color:var(--text-secondary);">지역신보재단</div>
+                        <div style="font-family:'Orbitron',sans-serif;font-size:26px;font-weight:700;color:#6495ed;">{jaedan}%</div>
+                    </div>
+                    <span style="margin-left:auto;font-size:20px;padding:5px 12px;background:{get_grade(jaedan)[1]}30;
+                        border-radius:8px;color:{get_grade(jaedan)[1]};font-weight:700;">{get_grade(jaedan)[0]}</span>
+                </div>
+            </div>
+        </div>
+    </div>
+    """
+    return html
+
+# ============================================================================
+# 💰 차트 4: 자금조달 파이프라인
+# ============================================================================
+
+def generate_pipeline(stage: int, amounts: dict) -> str:
+    """자금조달 파이프라인 플로우"""
+    
+    stages = [
+        ("사전심사", "🔍", "#6495ed"),
+        ("서류접수", "📄", "#9b59b6"),
+        ("심사진행", "⚖️", "#ffd93d"),
+        ("승인완료", "✅", "#6fd9a8")
+    ]
+    
+    html = f"""
+    <div class="chart-ultra">
+        <h3 style="color:var(--neon-green);margin-bottom:25px;text-align:center;
+            font-family:'Rajdhani',sans-serif;font-size:20px;">💰 자금조달 파이프라인</h3>
+        
+        <!-- 파이프라인 -->
+        <div style="position:relative;padding:30px 0;">
+            <div style="position:absolute;top:50%;left:8%;right:8%;height:6px;
+                background:linear-gradient(90deg,#2a2a45 0%,#6fd9a8 {stage*25}%,#2a2a45 {stage*25}%);
+                transform:translateY(-50%);border-radius:3px;"></div>
+            
+            <div style="display:flex;justify-content:space-between;position:relative;">
+    """
+    
+    for i, (name, icon, color) in enumerate(stages):
+        done = i < stage
+        curr = i == stage
+        
+        html += f"""
+                <div style="text-align:center;flex:1;opacity:{'1' if done or curr else '0.4'};
+                    animation:{'float 2s ease-in-out infinite' if curr else 'none'};">
+                    <div style="width:70px;height:70px;margin:0 auto;
+                        background:{'linear-gradient(135deg,'+color+','+color+'80)' if done else '#252540' if curr else '#1a1a2e'};
+                        border:3px solid {color if done or curr else '#3a3a55'};border-radius:50%;
+                        display:flex;align-items:center;justify-content:center;font-size:28px;
+                        box-shadow:{'0 0 30px '+color+'60' if curr else '0 0 15px '+color+'40' if done else 'none'};
+                        transition:all 0.3s ease;">
+                        {'✓' if done else icon}
+                    </div>
+                    <div style="margin-top:12px;font-weight:600;color:{'#fff' if done or curr else 'var(--text-secondary)'};
+                        font-size:14px;">{name}</div>
+                </div>
+        """
+    
+    html += f"""
+            </div>
+        </div>
+        
+        <!-- 금액 카드 -->
+        <div style="display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:30px;">
+            <div class="score-card" style="border-top:4px solid #6495ed;">
+                <div class="label">신청금액</div>
+                <div class="value" style="font-size:28px;color:#6495ed;">{amounts.get('신청',5):.1f}<span style="font-size:16px;">억</span></div>
+            </div>
+            <div class="score-card highlight" style="border-top:4px solid #6fd9a8;">
+                <div class="label">예상승인</div>
+                <div class="value" style="font-size:28px;">{amounts.get('예상',3.5):.1f}<span style="font-size:16px;">억</span></div>
+            </div>
+            <div class="score-card" style="border-top:4px solid #ff6b6b;">
+                <div class="label">기존사용</div>
+                <div class="value" style="font-size:28px;color:#ff6b6b;">{amounts.get('기존',0.5):.1f}<span style="font-size:16px;">억</span></div>
+            </div>
+        </div>
+    </div>
+    """
+    return html
+
+# ============================================================================
+# 🔥 차트 5: 리스크 히트맵
+# ============================================================================
+
+def generate_heatmap(caution_items: list) -> str:
+    """리스크 히트맵"""
+    
+    cats = {"신용": [0,0,[]], "재무": [0,0,[]], "체납": [0,0,[]], "법적": [0,0,[]], 
+            "보증": [0,0,[]], "담보": [0,0,[]], "경영": [0,0,[]], "기타": [0,0,[]]}
+    
+    for code in caution_items:
+        if code in CAUTION_ITEMS:
+            item = CAUTION_ITEMS[code]
+            cat = item.get("category", "기타")
+            if cat not in cats: cat = "기타"
+            cats[cat][0] += 1
+            if item["severity"] == "불가": cats[cat][1] += 1
+            cats[cat][2].append(item["name"])
+    
+    def risk_level(cnt, sev):
+        if sev > 0: return (4, "#ff6b6b", "심각")
+        if cnt >= 3: return (3, "#ff9500", "높음")
+        if cnt >= 2: return (2, "#ffd93d", "보통")
+        if cnt >= 1: return (1, "#6fd9a8", "낮음")
+        return (0, "#2a2a45", "안전")
+    
+    total = sum(c[0] for c in cats.values())
+    severe = sum(c[1] for c in cats.values())
+    
+    html = f"""
+    <div class="chart-ultra">
+        <h3 style="color:var(--neon-green);margin-bottom:20px;text-align:center;
+            font-family:'Rajdhani',sans-serif;font-size:20px;">🔥 리스크 히트맵</h3>
+        
+        <div style="display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:20px;">
+    """
+    
+    for cat, (cnt, sev, items) in cats.items():
+        lv, color, status = risk_level(cnt, sev)
+        html += f"""
+            <div style="background:{color}{'30' if lv > 0 else ''};padding:20px;text-align:center;
+                border-radius:14px;border:2px solid {color if lv >= 3 else 'transparent'};
+                transition:all 0.3s ease;cursor:pointer;
+                {'animation:neon-pulse 1.5s ease-in-out infinite;' if lv >= 3 else ''}"
+                title="{', '.join(items[:3]) if items else '해당없음'}">
+                <div style="font-size:13px;color:{'#fff' if lv >= 2 else 'var(--text-secondary)'};font-weight:600;">{cat}</div>
+                <div style="font-family:'Orbitron',sans-serif;font-size:32px;font-weight:700;
+                    color:{'#fff' if lv >= 2 else color};margin:10px 0;">{cnt}</div>
+                <div style="font-size:11px;color:{'#fff' if lv >= 2 else '#808090'};">{('불가 ' + str(sev)) if sev > 0 else status}</div>
+            </div>
+        """
+    
+    html += f"""
+        </div>
+        
+        <!-- 범례 -->
+        <div style="display:flex;justify-content:center;gap:20px;padding:15px;
+            background:#1a1a2e;border-radius:10px;margin-bottom:20px;">
+            <span style="display:flex;align-items:center;gap:6px;font-size:12px;">
+                <span style="width:14px;height:14px;background:#2a2a45;border-radius:3px;"></span>안전
+            </span>
+            <span style="display:flex;align-items:center;gap:6px;font-size:12px;">
+                <span style="width:14px;height:14px;background:#6fd9a8;border-radius:3px;"></span>낮음
+            </span>
+            <span style="display:flex;align-items:center;gap:6px;font-size:12px;">
+                <span style="width:14px;height:14px;background:#ffd93d;border-radius:3px;"></span>보통
+            </span>
+            <span style="display:flex;align-items:center;gap:6px;font-size:12px;">
+                <span style="width:14px;height:14px;background:#ff9500;border-radius:3px;"></span>높음
+            </span>
+            <span style="display:flex;align-items:center;gap:6px;font-size:12px;">
+                <span style="width:14px;height:14px;background:#ff6b6b;border-radius:3px;"></span>심각
+            </span>
+        </div>
+        
+        <!-- 총계 -->
+        <div style="padding:18px;background:linear-gradient(145deg,#252540,#1a1a2e);border-radius:12px;
+            border-left:4px solid #ff6b6b;display:flex;justify-content:space-between;align-items:center;">
+            <span style="color:var(--text-secondary);">총 유의사항</span>
+            <span style="font-family:'Orbitron',sans-serif;font-size:28px;font-weight:700;color:#ff6b6b;">
+                {total}<span style="font-size:14px;color:var(--text-secondary);margin-left:8px;">(불가 {severe})</span>
+            </span>
+        </div>
+    </div>
+    """
+    return html
+
+# ============================================================================
+# 📊 차트 6: 경쟁력 벤치마크 바
+# ============================================================================
+
+def generate_benchmark_bars(company: dict, industry: dict) -> str:
+    """업종 대비 벤치마크"""
+    
+    metrics = [
+        ("매출성장률", company.get("매출성장률", 15), industry.get("매출성장률", 10), "%", False),
+        ("영업이익률", company.get("영업이익률", 8), industry.get("영업이익률", 5), "%", False),
+        ("부채비율", company.get("부채비율", 120), industry.get("부채비율", 150), "%", True),
+        ("신용등급", company.get("신용등급", 720), industry.get("신용등급", 680), "점", False),
+        ("고용성장", company.get("고용성장", 20), industry.get("고용성장", 10), "%", False)
+    ]
+    
+    better_count = 0
+    
+    html = f"""
+    <div class="chart-ultra">
+        <h3 style="color:var(--neon-green);margin-bottom:25px;text-align:center;
+            font-family:'Rajdhani',sans-serif;font-size:20px;">📊 업종 대비 경쟁력</h3>
+        
+        <div style="display:flex;flex-direction:column;gap:18px;">
+    """
+    
+    for name, comp_val, ind_val, unit, reverse in metrics:
+        is_better = (comp_val < ind_val) if reverse else (comp_val > ind_val)
+        if is_better: better_count += 1
+        
+        diff = ind_val - comp_val if reverse else comp_val - ind_val
+        diff_pct = (diff / ind_val * 100) if ind_val != 0 else 0
+        
+        max_val = max(comp_val, ind_val) * 1.3
+        comp_w = comp_val / max_val * 100 if max_val > 0 else 0
+        ind_w = ind_val / max_val * 100 if max_val > 0 else 0
+        
+        color = "#6fd9a8" if is_better else "#ff6b6b"
+        
+        html += f"""
+            <div style="background:#1a1a2e;padding:18px;border-radius:14px;border-left:4px solid {color};">
+                <div style="display:flex;justify-content:space-between;align-items:center;margin-bottom:12px;">
+                    <span style="font-weight:600;color:#fff;">{name}</span>
+                    <span style="font-size:13px;color:{color};">
+                        {'+' if diff > 0 else ''}{diff:.1f}{unit} ({'+' if diff_pct > 0 else ''}{diff_pct:.0f}%)
+                        {'👍' if is_better else '👎'}
+                    </span>
+                </div>
+                
+                <div style="margin-bottom:8px;">
+                    <div style="display:flex;align-items:center;gap:12px;margin-bottom:6px;">
+                        <span style="width:50px;font-size:12px;color:var(--text-secondary);">귀사</span>
+                        <div style="flex:1;height:14px;background:#252540;border-radius:7px;overflow:hidden;">
+                            <div class="progress-ultra"><div class="fill" style="width:{comp_w}%;background:linear-gradient(90deg,{color},{color}80);"></div></div>
+                        </div>
+                        <span style="width:70px;text-align:right;font-family:'Orbitron',sans-serif;font-weight:600;color:{color};">{comp_val:.1f}{unit}</span>
+                    </div>
+                </div>
+                
+                <div>
+                    <div style="display:flex;align-items:center;gap:12px;">
+                        <span style="width:50px;font-size:12px;color:#606080;">업종</span>
+                        <div style="flex:1;height:10px;background:#252540;border-radius:5px;overflow:hidden;">
+                            <div style="width:{ind_w}%;height:100%;background:#505070;border-radius:5px;"></div>
+                        </div>
+                        <span style="width:70px;text-align:right;font-size:13px;color:#606080;">{ind_val:.1f}{unit}</span>
+                    </div>
+                </div>
+            </div>
+        """
+    
+    overall = better_count / len(metrics) * 100
+    
+    html += f"""
+        </div>
+        
+        <!-- 종합 -->
+        <div style="margin-top:25px;padding:22px;background:linear-gradient(145deg,#1a2a30,#0d1a1f);
+            border-radius:14px;text-align:center;border:2px solid #6fd9a830;">
+            <div style="font-size:14px;color:var(--text-secondary);margin-bottom:8px;">업종 대비 경쟁력 지수</div>
+            <div style="font-family:'Orbitron',sans-serif;font-size:48px;font-weight:900;
+                color:{'#6fd9a8' if overall >= 60 else '#ffd93d' if overall >= 40 else '#ff6b6b'};
+                text-shadow:0 0 30px {'#6fd9a8' if overall >= 60 else '#ffd93d' if overall >= 40 else '#ff6b6b'}60;">
+                {better_count}/{len(metrics)}
+            </div>
+            <div style="font-size:13px;color:var(--text-secondary);margin-top:5px;">지표 우위</div>
+        </div>
+    </div>
+    """
+    return html
+
+# ============================================================================
+# 📋 차트 7: KPI 스코어카드 대시보드
+# ============================================================================
+
+def generate_scorecard_dashboard(data: dict) -> str:
+    """KPI 스코어카드"""
+    
+    kpis = [
+        ("💰", "예상지원액", f"{data.get('예상금액', 2.5):.1f}억", "#6fd9a8", True),
+        ("📈", "종합점수", f"{data.get('종합점수', 75)}점", "#ffd93d" if data.get('종합점수', 75) < 70 else "#6fd9a8", data.get('종합점수', 75) >= 70),
+        ("🏦", "추천기관", data.get('추천기관', '신보'), "#6495ed", True),
+        ("⚠️", "리스크", f"{data.get('리스크', 3)}건", "#ff6b6b" if data.get('리스크', 3) > 5 else "#ffd93d", data.get('리스크', 3) <= 3),
+        ("📊", "신용등급", f"{data.get('신용등급', 720)}점", "#6fd9a8" if data.get('신용등급', 720) >= 700 else "#ffd93d", True),
+        ("🎯", "승인확률", f"{data.get('승인확률', 72)}%", "#6fd9a8" if data.get('승인확률', 72) >= 70 else "#ffd93d", True)
+    ]
+    
+    html = f"""
+    <div class="chart-ultra">
+        <h3 style="color:var(--neon-green);margin-bottom:25px;text-align:center;
+            font-family:'Rajdhani',sans-serif;font-size:20px;">📋 핵심 KPI 대시보드</h3>
+        
+        <div style="display:grid;grid-template-columns:repeat(3,1fr);gap:18px;">
+    """
+    
+    for i, (icon, label, value, color, is_good) in enumerate(kpis):
+        html += f"""
+            <div class="score-card {'highlight' if i == 0 else ''}" style="animation:slide-up 0.5s ease-out {i*0.1}s both;">
+                <div style="font-size:32px;margin-bottom:10px;">{icon}</div>
+                <div class="value" style="color:{color};">{value}</div>
+                <div class="label">{label}</div>
+                <div style="margin-top:10px;">
+                    <span style="display:inline-block;padding:4px 12px;background:{color}20;
+                        border-radius:12px;font-size:11px;color:{color};">
+                        {'✓ 양호' if is_good else '⚠ 주의'}
+                    </span>
+                </div>
+            </div>
+        """
+    
+    html += """
+        </div>
+    </div>
+    """
+    return html
+
+# ============================================================================
+# 🌊 차트 8: 워터폴 차트
+# ============================================================================
+
+def generate_waterfall(calc: dict) -> str:
+    """워터폴 차트"""
+    
+    steps = [
+        ("기준매출", calc.get("기준매출", 5e8), "base", "💰"),
+        ("관계기업", -calc.get("관계차감", 5e7), "neg", "➖"),
+        ("조정매출", calc.get("조정매출", 4.5e8), "sub", "📊"),
+        ("회전율", calc.get("회전적용", -1.5e8), "neg", "🔄"),
+        ("1차산출", calc.get("1차산출", 3e8), "sub", "📋"),
+        ("기존사용", -calc.get("기존사용", 5e7), "neg", "🏦"),
+        ("최종금액", calc.get("최종금액", 2.5e8), "total", "🎯")
+    ]
+    
+    max_amt = max(abs(s[1]) for s in steps if s[1] != 0) * 1.2
+    
+    html = f"""
+    <div class="chart-ultra">
+        <h3 style="color:var(--neon-green);margin-bottom:25px;text-align:center;
+            font-family:'Rajdhani',sans-serif;font-size:20px;">💰 금액 산출 워터폴</h3>
+        
+        <div style="display:flex;flex-direction:column;gap:14px;">
+    """
+    
+    for name, amt, stype, icon in steps:
+        if amt == 0 and stype == "neg": continue
+        
+        w = abs(amt) / max_amt * 100 if max_amt > 0 else 0
+        
+        if stype == "neg":
+            color, bg = "#ff6b6b", "rgba(255,107,107,0.1)"
+            val = f"-{abs(amt)/1e8:.1f}억"
+        elif stype == "total":
+            color, bg = "#6fd9a8", "rgba(111,217,168,0.15)"
+            val = f"{amt/1e8:.1f}억"
+        elif stype == "sub":
+            color, bg = "#6495ed", "rgba(100,149,237,0.1)"
+            val = f"{amt/1e8:.1f}억"
+        else:
+            color, bg = "#808090", "rgba(128,128,144,0.1)"
+            val = f"{amt/1e8:.1f}억"
+        
+        html += f"""
+            <div style="background:{bg};padding:18px;border-radius:12px;border-left:4px solid {color};
+                animation:slide-up 0.4s ease-out;">
+                <div style="display:flex;justify-content:space-between;align-items:center;margin-bottom:10px;">
+                    <span style="font-weight:{'700' if stype in ['total','sub'] else '500'};color:#fff;">
+                        {icon} {name}
+                    </span>
+                    <span style="font-family:'Orbitron',sans-serif;font-size:22px;font-weight:700;color:{color};">{val}</span>
+                </div>
+                <div class="progress-ultra">
+                    <div class="fill" style="width:{w}%;background:{color};"></div>
+                </div>
+            </div>
+        """
+    
+    html += """
+        </div>
+    </div>
+    """
+    return html
+
+# ============================================================================
+# ⏱️ 차트 9: 프로세스 타임라인
+# ============================================================================
+
+def generate_timeline(current: int) -> str:
+    """프로세스 타임라인"""
+    
+    html = f"""
+    <div class="chart-ultra">
+        <h3 style="color:var(--neon-green);margin-bottom:20px;text-align:center;
+            font-family:'Rajdhani',sans-serif;font-size:20px;">⏱️ 진행 현황</h3>
+        
+        <!-- 진행률 바 -->
+        <div style="margin-bottom:30px;">
+            <div style="display:flex;justify-content:space-between;margin-bottom:10px;">
+                <span style="color:var(--text-secondary);">전체 진행률</span>
+                <span style="color:var(--neon-green);font-family:'Orbitron',sans-serif;font-weight:600;">
+                    {current}/8 ({current*12.5:.0f}%)
+                </span>
+            </div>
+            <div class="progress-ultra" style="height:16px;">
+                <div class="fill" style="width:{current*12.5}%;"></div>
+            </div>
+        </div>
+        
+        <!-- 단계 그리드 -->
+        <div style="display:grid;grid-template-columns:repeat(4,1fr);gap:14px;">
+    """
+    
+    for i, step in enumerate(PROCESS_STEPS):
+        done = i < current
+        curr = i == current
+        
+        if done:
+            border, bg, icon_bg, icon = "var(--neon-green)", "rgba(111,217,168,0.1)", "var(--neon-green)", "✓"
+        elif curr:
+            border, bg, icon_bg, icon = "#ffd93d", "rgba(255,217,61,0.1)", "#ffd93d", step['icon']
+        else:
+            border, bg, icon_bg, icon = "#3a3a55", "transparent", "#2a2a45", step['icon']
+        
+        html += f"""
+            <div style="background:{bg};border:2px solid {border};border-radius:14px;
+                padding:18px;text-align:center;transition:all 0.3s ease;
+                {'animation:neon-pulse 1.5s ease-in-out infinite;' if curr else ''}">
+                <div style="width:50px;height:50px;margin:0 auto 12px;
+                    background:{icon_bg};border-radius:50%;
+                    display:flex;align-items:center;justify-content:center;
+                    font-size:24px;color:{'#0d0d1a' if done else '#fff'};
+                    box-shadow:{'0 0 20px '+border+'60' if curr else 'none'};">
+                    {icon}
+                </div>
+                <div style="font-size:13px;font-weight:600;color:{'var(--neon-green)' if done else '#ffd93d' if curr else 'var(--text-secondary)'};">
+                    {step['name']}
+                </div>
+                <div style="font-size:11px;color:var(--text-secondary);margin-top:4px;">{step['duration']}</div>
+            </div>
+        """
+    
+    html += """
+        </div>
+    </div>
+    """
+    return html
+
+# ============================================================================
+# 💳 차트 10: 신용점수 시뮬레이션
+# ============================================================================
+
+def generate_credit_sim(current: int, improvements: dict) -> str:
+    """신용점수 시뮬레이션"""
+    
+    improve_list = {
+        "제2금융권 대출 상환": 30,
+        "카드론 상환": 25,
+        "연체 해소": 40,
+        "카드 사용률 30% 이하": 15,
+        "통신비 자동이체": 5,
+        "보험료 정상납부": 5
+    }
+    
+    total_up = sum(improve_list[k] for k in improvements if improvements.get(k))
+    projected = min(900, current + total_up)
+    
+    cur_color = "#6fd9a8" if current >= 750 else "#ffd93d" if current >= 700 else "#ff6b6b"
+    proj_color = "#6fd9a8" if projected >= 750 else "#ffd93d" if projected >= 700 else "#ff6b6b"
+    
+    html = f"""
+    <div class="chart-ultra">
+        <h3 style="color:var(--neon-green);margin-bottom:25px;text-align:center;
+            font-family:'Rajdhani',sans-serif;font-size:20px;">💳 신용점수 시뮬레이션</h3>
+        
+        <div style="display:grid;grid-template-columns:1fr 1fr;gap:30px;">
+            <!-- 점수 비교 -->
+            <div>
+                <div style="display:flex;gap:20px;margin-bottom:25px;">
+                    <div class="score-card" style="flex:1;">
+                        <div class="label">현재</div>
+                        <div class="value" style="color:{cur_color};">{current}</div>
+                    </div>
+                    <div style="display:flex;align-items:center;font-size:28px;color:var(--neon-green);">→</div>
+                    <div class="score-card highlight" style="flex:1;">
+                        <div class="label">예상</div>
+                        <div class="value">{projected}</div>
+                        <div style="color:var(--neon-green);font-size:14px;margin-top:5px;">+{total_up}점</div>
+                    </div>
+                </div>
+                
+                <!-- 개선 방법 -->
+                <div style="background:#1a1a2e;padding:20px;border-radius:14px;">
+                    <h4 style="color:#ffd93d;margin:0 0 15px;">🔧 개선 방법</h4>
+                    <div style="display:flex;flex-direction:column;gap:10px;">
+    """
+    
+    for item, pts in improve_list.items():
+        chk = improvements.get(item, False)
+        html += f"""
+                        <div style="display:flex;align-items:center;gap:12px;padding:12px;
+                            background:{'rgba(111,217,168,0.1)' if chk else '#252540'};
+                            border-radius:10px;border:1px solid {'var(--neon-green)' if chk else '#3a3a55'};">
+                            <span style="color:{'var(--neon-green)' if chk else 'var(--text-secondary)'};font-size:18px;">
+                                {'✓' if chk else '○'}
+                            </span>
+                            <span style="flex:1;color:#fff;font-size:13px;">{item}</span>
+                            <span style="color:var(--neon-green);font-size:12px;font-weight:600;">+{pts}점</span>
+                        </div>
+        """
+    
+    html += """
+                    </div>
+                </div>
+            </div>
+            
+            <!-- 등급 가이드 -->
+            <div style="background:#1a1a2e;padding:20px;border-radius:14px;">
+                <h4 style="color:#fff;margin:0 0 15px;">📊 점수별 영향</h4>
+                <div style="display:flex;flex-direction:column;gap:10px;">
+    """
+    
+    ranges = [(750, 900, "우수", "#6fd9a8", "제한없음"), (700, 749, "양호", "#7be8c0", "일부제한"),
+              (650, 699, "보통", "#ffd93d", "조건부"), (600, 649, "주의", "#ff9500", "제한적"), (0, 599, "위험", "#ff6b6b", "불가")]
+    
+    for lo, hi, label, color, limit in ranges:
+        is_cur = lo <= current <= hi
+        html += f"""
+                    <div style="display:flex;align-items:center;gap:12px;padding:12px;
+                        background:{'rgba(111,217,168,0.1)' if is_cur else 'transparent'};
+                        border-radius:8px;border:1px solid {'var(--neon-green)' if is_cur else 'transparent'};">
+                        <div style="width:14px;height:14px;background:{color};border-radius:50%;"></div>
+                        <span style="width:70px;color:#fff;">{lo}-{hi}</span>
+                        <span style="width:50px;color:{color};font-weight:600;">{label}</span>
+                        <span style="color:var(--text-secondary);font-size:12px;">{limit}</span>
+                    </div>
+        """
+    
+    html += """
+                </div>
+            </div>
+        </div>
+    </div>
+    """
+    return html
+
+# ============================================================================
+# 🎯 차트 11: 종합 인포그래픽
+# ============================================================================
+
+def generate_infographic(data: dict) -> str:
+    """종합 인포그래픽 보드"""
+    
+    score = data.get("종합점수", 75)
+    amount = data.get("예상금액", 2.5)
+    sinbo = data.get("신보", 70)
+    kibo = data.get("기보", 65)
+    jaedan = data.get("재단", 80)
+    cautions = data.get("유의사항", 3)
+    credit = data.get("신용점수", 720)
+    
+    score_color = "#6fd9a8" if score >= 70 else "#ffd93d" if score >= 50 else "#ff6b6b"
+    
+    html = f"""
+    <div class="chart-ultra" style="background:linear-gradient(135deg,#0d1117 0%,#161b22 50%,#0d1117 100%);">
+        
+        <!-- 헤더 -->
+        <div style="text-align:center;margin-bottom:30px;padding:25px;
+            background:linear-gradient(145deg,#1a2a30,#0d1a1f);border-radius:16px;
+            border:2px solid var(--neon-green)30;">
+            <h2 style="margin:0 0 10px;font-family:'Orbitron',sans-serif;font-size:28px;
+                background:linear-gradient(135deg,#6fd9a8,#fff,#6fd9a8);
+                -webkit-background-clip:text;-webkit-text-fill-color:transparent;
+                animation:glow-text 2s ease-in-out infinite;">
+                🎮 미네랄핵 분석 완료
+            </h2>
+            <p style="color:var(--text-secondary);margin:0;">정책자금 사전심사 종합 리포트</p>
+        </div>
+        
+        <!-- 메인 KPI -->
+        <div style="display:grid;grid-template-columns:2fr 1fr 1fr;gap:20px;margin-bottom:25px;">
+            
+            <!-- 예상 지원금액 (대형) -->
+            <div class="score-card highlight" style="padding:30px;">
+                <div style="font-size:18px;color:var(--text-secondary);margin-bottom:10px;">💰 예상 지원금액</div>
+                <div style="font-family:'Orbitron',sans-serif;font-size:64px;font-weight:900;
+                    background:linear-gradient(135deg,#6fd9a8,#fff);
+                    -webkit-background-clip:text;-webkit-text-fill-color:transparent;">
+                    {amount:.1f}<span style="font-size:32px;">억원</span>
+                </div>
+            </div>
+            
+            <!-- 종합점수 -->
+            <div class="score-card" style="border-top:4px solid {score_color};">
+                <div class="label">📊 종합점수</div>
+                <div class="value" style="color:{score_color};">{score}</div>
+                <div style="margin-top:10px;font-size:13px;color:{score_color};">
+                    {'우수' if score >= 70 else '양호' if score >= 50 else '주의'}
+                </div>
+            </div>
+            
+            <!-- 유의사항 -->
+            <div class="score-card" style="border-top:4px solid {'#ff6b6b' if cautions > 5 else '#ffd93d' if cautions > 0 else '#6fd9a8'};">
+                <div class="label">⚠️ 유의사항</div>
+                <div class="value" style="color:{'#ff6b6b' if cautions > 5 else '#ffd93d'};">{cautions}</div>
+                <div style="margin-top:10px;font-size:13px;color:var(--text-secondary);">건 해결 필요</div>
+            </div>
+        </div>
+        
+        <!-- 기관별 확률 바 -->
+        <div style="background:#1a1a2e;padding:25px;border-radius:16px;margin-bottom:25px;">
+            <h4 style="color:var(--neon-green);margin:0 0 20px;font-size:16px;">🏦 기관별 승인확률</h4>
+            
+            <div style="display:flex;flex-direction:column;gap:15px;">
+                <div style="display:flex;align-items:center;gap:15px;">
+                    <span style="width:100px;color:var(--text-secondary);">신용보증기금</span>
+                    <div style="flex:1;height:24px;background:#252540;border-radius:12px;overflow:hidden;">
+                        <div style="width:{sinbo}%;height:100%;background:linear-gradient(90deg,#6fd9a8,#8fe8c0);
+                            border-radius:12px;display:flex;align-items:center;justify-content:flex-end;padding-right:10px;">
+                            <span style="font-family:'Orbitron',sans-serif;font-size:12px;color:#0d0d1a;font-weight:700;">{sinbo}%</span>
+                        </div>
+                    </div>
+                </div>
+                <div style="display:flex;align-items:center;gap:15px;">
+                    <span style="width:100px;color:var(--text-secondary);">기술보증기금</span>
+                    <div style="flex:1;height:24px;background:#252540;border-radius:12px;overflow:hidden;">
+                        <div style="width:{kibo}%;height:100%;background:linear-gradient(90deg,#ffd93d,#ffe880);
+                            border-radius:12px;display:flex;align-items:center;justify-content:flex-end;padding-right:10px;">
+                            <span style="font-family:'Orbitron',sans-serif;font-size:12px;color:#0d0d1a;font-weight:700;">{kibo}%</span>
+                        </div>
+                    </div>
+                </div>
+                <div style="display:flex;align-items:center;gap:15px;">
+                    <span style="width:100px;color:var(--text-secondary);">지역신보재단</span>
+                    <div style="flex:1;height:24px;background:#252540;border-radius:12px;overflow:hidden;">
+                        <div style="width:{jaedan}%;height:100%;background:linear-gradient(90deg,#6495ed,#8ab4f8);
+                            border-radius:12px;display:flex;align-items:center;justify-content:flex-end;padding-right:10px;">
+                            <span style="font-family:'Orbitron',sans-serif;font-size:12px;color:#0d0d1a;font-weight:700;">{jaedan}%</span>
+                        </div>
+                    </div>
+                </div>
+            </div>
+        </div>
+        
+        <!-- 권고사항 -->
+        <div style="padding:20px;background:linear-gradient(145deg,#1a2a30,#0d1a1f);
+            border-radius:14px;border-left:4px solid var(--neon-green);">
+            <h4 style="color:var(--neon-green);margin:0 0 15px;">💡 핵심 권고사항</h4>
+            <ul style="margin:0;padding-left:20px;color:#fff;line-height:1.8;">
+                {'<li style="color:#ff6b6b;">불가 사유 우선 해결 필요</li>' if cautions > 3 else ''}
+                {'<li>신용점수 700점 이상 유지 권장</li>' if credit < 700 else '<li style="color:#6fd9a8;">✓ 신용점수 양호</li>'}
+                <li>필요서류: 재무제표, 사업자등록증, 납세증명서</li>
+                <li>추천 기관: {data.get('추천기관', '신용보증기금')}</li>
+            </ul>
+        </div>
+    </div>
+    """
+    return html
+
+# ============================================================================
+# 메인 분석 함수
+# ============================================================================
+
+def run_ultra_analysis(company_name, biz_num, industry, sales, years, credit_score, employees,
+                       education, tech_grade, has_patent, has_venture, has_innobiz, request_amt,
+                       total_assets, total_liab, cur_assets, cur_liab,
+                       op_profit, net_income, interest_exp, caution_checks,
+                       existing_guar, related_sales):
+    """종합 분석 실행"""
+    
+    # 재무비율
+    equity = total_assets - total_liab
+    debt_ratio = (total_liab / equity * 100) if equity > 0 else 999
+    current_ratio = (cur_assets / cur_liab * 100) if cur_liab > 0 else 999
+    op_margin = (op_profit / (sales*1e8) * 100) if sales > 0 else 0
+    int_coverage = (op_profit*1e6 / (interest_exp*1e6)) if interest_exp > 0 else 999
+    
+    # 점수 계산
+    sinbo_sc = 5 if sales >= 4 else 4 if sales >= 3 else 3 if sales >= 2 else 2 if sales >= 1 else 1
+    sinbo_sc += (1 if has_patent else 0) + (3 if education == "박사" else 2 if education == "석사" else 0)
+    sinbo_pct = min(95, sinbo_sc * 10)
+    
+    kibo_sc = 5 + (2 if education == "박사" else 1 if education == "석사" else 0)
+    kibo_sc += (2 if tech_grade in ["특급","고급"] else 1 if tech_grade == "중급" else 0) + (1 if has_patent else 0)
+    kibo_pct = min(95, kibo_sc * 10)
+    
+    jaedan_sc = 10 if sales >= 1 and years >= 3 else 8 if sales >= 1 else 6
+    jaedan_pct = min(95, jaedan_sc * 10)
+    
+    # 유의사항 분석
+    failed = sum(1 for c in caution_checks if CAUTION_ITEMS.get(c, {}).get("severity") == "불가")
+    cond = sum(1 for c in caution_checks if CAUTION_ITEMS.get(c, {}).get("severity") == "조건부")
+    
+    base_score = (sinbo_pct + kibo_pct + jaedan_pct) / 3
+    deduction = failed * 15 + cond * 5
+    total_score = max(0, min(100, int(base_score - deduction)))
+    
+    # 금액 계산
+    adj_sales = sales * 1e8 - related_sales * 1e8
+    turnover = adj_sales / 7
+    cap_limit = max(3e8, equity * 3e6) if equity > 0 else 3e8
+    final_amt = min(turnover, cap_limit) - existing_guar * 1e8
+    if "45" in caution_checks: final_amt = min(final_amt, 2e8)
+    final_amt = max(0, final_amt)
+    
+    # 추천 기관
+    recommend = "기술보증기금" if has_patent or has_venture or has_innobiz else "신용보증기금"
+    
+    # 차트 데이터
+    calc_data = {
+        "기준매출": sales * 1e8, "관계차감": related_sales * 1e8, "조정매출": adj_sales,
+        "회전적용": adj_sales - turnover, "1차산출": turnover, "기존사용": existing_guar * 1e8, "최종금액": final_amt
+    }
+    
+    radar_data = {
+        "수익성": min(100, max(0, int(op_margin * 5 + 50))),
+        "안정성": min(100, max(0, int(100 - debt_ratio / 3))),
+        "성장성": min(100, max(0, 60)),
+        "활동성": min(100, max(0, int(current_ratio / 2))),
+        "생산성": min(100, max(0, 55))
+    }
+    
+    company_bench = {"매출성장률": 10, "영업이익률": op_margin, "부채비율": debt_ratio, "신용등급": credit_score, "고용성장": 15}
+    ind_data = INDUSTRY_FINANCIAL_RATIOS.get(industry, INDUSTRY_FINANCIAL_RATIOS["C 제조업"])
+    industry_bench = {"매출성장률": ind_data.get("매출액증가율", 10), "영업이익률": ind_data.get("매출액영업이익률", 5),
+                      "부채비율": ind_data.get("부채비율", 150), "신용등급": 700, "고용성장": 10}
+    
+    kpi_data = {"예상금액": final_amt / 1e8, "종합점수": total_score, "추천기관": recommend,
+                "리스크": len(caution_checks), "신용등급": credit_score, "승인확률": (sinbo_pct + kibo_pct + jaedan_pct) // 3}
+    
+    improvements = {"제2금융권 대출 상환": credit_score < 700, "카드론 상환": credit_score < 720,
+                    "연체 해소": "21" in caution_checks, "카드 사용률 30% 이하": False,
+                    "통신비 자동이체": True, "보험료 정상납부": True}
+    
+    info_data = {"종합점수": total_score, "예상금액": final_amt / 1e8, "신보": sinbo_pct, "기보": kibo_pct,
+                 "재단": jaedan_pct, "유의사항": len(caution_checks), "신용점수": credit_score, "추천기관": recommend}
+    
+    # 차트 생성
+    gauge = generate_ultra_gauge(total_score, "🎮 미네랄핵 점수")
+    radar = generate_radar_chart(radar_data)
+    donut = generate_donut_chart(sinbo_pct, kibo_pct, jaedan_pct)
+    pipeline = generate_pipeline(1, {"신청": request_amt, "예상": final_amt / 1e8, "기존": existing_guar})
+    heatmap = generate_heatmap(caution_checks)
+    benchmark = generate_benchmark_bars(company_bench, industry_bench)
+    scorecard = generate_scorecard_dashboard(kpi_data)
+    waterfall = generate_waterfall(calc_data)
+    timeline = generate_timeline(5)
+    credit_sim = generate_credit_sim(credit_score, improvements)
+    infographic = generate_infographic(info_data)
+    
+    return (infographic, gauge, radar, donut, pipeline, heatmap, benchmark, scorecard, waterfall, timeline, credit_sim)
+
+# ============================================================================
+# Gradio UI
+# ============================================================================
+
+# ============================================================================
+# 저장 / 불러오기 핸들러 (cache_db 연동)
+# ============================================================================
+
+def save_fund_results(email, company_name, biz_num, industry, sales, years, credit_score, employees,
+                      education, tech_grade, has_patent, has_venture, has_innobiz, request_amt,
+                      total_assets, total_liab, cur_assets, cur_liab,
+                      op_profit, net_income, interest_exp, caution_checks,
+                      existing_guar, related_sales):
+    """분석 결과 저장"""
+    if not HAS_CACHE_DB:
+        return "⚠️ cache_db 모듈을 찾을 수 없습니다. app.py 통합 환경에서 실행해주세요."
+    
+    if not email or '@' not in email:
+        return "⚠️ 올바른 이메일 주소를 입력해주세요."
+    
+    company_info = {
+        "company_name": company_name, "biz_num": biz_num, "industry": industry,
+        "sales": sales, "years": years, "employees": employees,
+        "education": education, "tech_grade": tech_grade,
+        "has_patent": has_patent, "has_venture": has_venture, "has_innobiz": has_innobiz
+    }
+    
+    financial_info = {
+        "credit_score": credit_score, "request_amt": request_amt,
+        "total_assets": total_assets, "total_liab": total_liab,
+        "cur_assets": cur_assets, "cur_liab": cur_liab,
+        "op_profit": op_profit, "net_income": net_income, "interest_exp": interest_exp,
+        "existing_guar": existing_guar, "related_sales": related_sales
+    }
+    
+    analysis_results = {
+        "saved_at": datetime.now().isoformat(),
+        "version": "v7.0"
+    }
+    
+    success, msg = _fund_cache.save_fund_analysis(email, company_info, financial_info, caution_checks, analysis_results)
+    return msg
+
+
+def load_fund_results(email):
+    """저장된 분석 기록 불러오기 → 입력 필드에 복원"""
+    if not HAS_CACHE_DB:
+        return [gr.update()] * 22 + ["⚠️ cache_db 모듈을 찾을 수 없습니다. app.py 통합 환경에서 실행해주세요."]
+    
+    if not email or '@' not in email:
+        return [gr.update()] * 22 + ["⚠️ 올바른 이메일 주소를 입력해주세요."]
+    
+    record, msg = _fund_cache.load_fund_profile(email)
+    
+    if record is None:
+        return [gr.update()] * 22 + [msg]
+    
+    ci = record.get("company_info", {})
+    fi = record.get("financial_info", {})
+    cc = record.get("caution_checks", [])
+    
+    return [
+        gr.update(value=ci.get("company_name", "")),          # company_name
+        gr.update(value=ci.get("biz_num", "")),               # biz_num
+        gr.update(value=ci.get("industry", "C 제조업")),      # industry
+        gr.update(value=ci.get("sales", 5)),                  # sales
+        gr.update(value=ci.get("years", 3)),                  # years
+        gr.update(value=fi.get("credit_score", 720)),         # credit_score
+        gr.update(value=ci.get("employees", 10)),             # employees
+        gr.update(value=ci.get("education", "학사")),         # education
+        gr.update(value=ci.get("tech_grade", "중급")),        # tech_grade
+        gr.update(value=ci.get("has_patent", False)),         # has_patent
+        gr.update(value=ci.get("has_venture", False)),        # has_venture
+        gr.update(value=ci.get("has_innobiz", False)),        # has_innobiz
+        gr.update(value=fi.get("request_amt", 3)),            # request_amt
+        gr.update(value=fi.get("total_assets", 1000)),        # total_assets
+        gr.update(value=fi.get("total_liab", 600)),           # total_liab
+        gr.update(value=fi.get("cur_assets", 500)),           # cur_assets
+        gr.update(value=fi.get("cur_liab", 400)),             # cur_liab
+        gr.update(value=fi.get("op_profit", 50)),             # op_profit
+        gr.update(value=fi.get("net_income", 30)),            # net_income
+        gr.update(value=fi.get("interest_exp", 10)),          # interest_exp
+        gr.update(value=cc),                                   # caution_checks
+        gr.update(value=fi.get("existing_guar", 0)),          # existing_guar
+        gr.update(value=fi.get("related_sales", 0)),          # related_sales
+        msg                                                     # status
+    ]
+
+
+def create_fund_tab():
+    """정책자금 탭 생성"""
+    
+    with gr.Tab("💰 정책자금 사전심사"):
+        gr.HTML('''
+        <div style="background:linear-gradient(135deg,#0d1117,#161b22,#0d1117);padding:35px;border-radius:20px;
+            margin-bottom:24px;border:2px solid rgba(111,217,168,0.3);text-align:center;
+            box-shadow:0 10px 40px rgba(0,0,0,0.5);">
+            <h2 style="margin:0 0 10px;font-family:'Orbitron',sans-serif;
+                background:linear-gradient(135deg,#6fd9a8,#fff,#6fd9a8);
+                -webkit-background-clip:text;-webkit-text-fill-color:transparent;font-size:32px;
+                animation:glow-text 2s ease-in-out infinite;">
+                🎮 미네랄핵 ULTRA v7.0
+            </h2>
+            <p style="color:#8888a0;margin:0;font-size:14px;">정책자금 사전심사 시스템 | 11개 비주얼 차트</p>
+        </div>
+        ''')
+        
+        with gr.Row():
+            with gr.Column(scale=3):
+                fund_email = gr.Textbox(label="📧 이메일", placeholder="example@company.com")
+            with gr.Column(scale=1):
+                with gr.Row():
+                    fund_load = gr.Button("📥 불러오기", size="sm")
+                    fund_save = gr.Button("💾 저장", size="sm", variant="primary")
+        
+        fund_status = gr.Textbox(label="상태", interactive=False, lines=1)
+        
+        with gr.Tabs():
+            with gr.Tab("📝 기업정보"):
+                with gr.Row():
+                    with gr.Column():
+                        company_name = gr.Textbox(label="회사명", placeholder="(주)회사명")
+                        biz_num = gr.Textbox(label="사업자번호", placeholder="000-00-00000")
+                        industry = gr.Dropdown(label="업종", choices=list(INDUSTRY_FINANCIAL_RATIOS.keys()), value="C 제조업")
+                        sales = gr.Number(label="연매출 (억원)", value=5)
+                        years = gr.Number(label="업력 (년)", value=3)
+                        employees = gr.Number(label="종업원 (명)", value=10)
+                    with gr.Column():
+                        credit_score = gr.Slider(label="신용점수", minimum=300, maximum=900, value=720, step=10)
+                        education = gr.Dropdown(label="학력", choices=["고졸이하", "학사", "석사", "박사"], value="학사")
+                        tech_grade = gr.Dropdown(label="기술자격", choices=["초급이하", "초급", "중급", "고급", "특급"], value="중급")
+                        has_patent = gr.Checkbox(label="특허 보유")
+                        has_venture = gr.Checkbox(label="벤처인증")
+                        has_innobiz = gr.Checkbox(label="이노비즈")
+                
+                with gr.Row():
+                    with gr.Column():
+                        total_assets = gr.Number(label="총자산 (백만원)", value=1000)
+                        total_liab = gr.Number(label="총부채 (백만원)", value=600)
+                        cur_assets = gr.Number(label="유동자산 (백만원)", value=500)
+                        cur_liab = gr.Number(label="유동부채 (백만원)", value=400)
+                    with gr.Column():
+                        op_profit = gr.Number(label="영업이익 (백만원)", value=50)
+                        net_income = gr.Number(label="순이익 (백만원)", value=30)
+                        interest_exp = gr.Number(label="이자비용 (백만원)", value=10)
+                        request_amt = gr.Number(label="필요자금 (억원)", value=3)
+                
+                with gr.Row():
+                    existing_guar = gr.Number(label="기존보증 (억원)", value=0)
+                    related_sales = gr.Number(label="관계기업매입 (억원)", value=0)
+                
+                caution_opts = [(f"[{c}] {i['name']}", c) for c, i in list(CAUTION_ITEMS.items())[:25]]
+                caution_checks = gr.CheckboxGroup(label="⚠️ 유의사항", choices=caution_opts, value=[])
+                
+                analyze_btn = gr.Button("🔍 종합 분석", variant="primary", size="lg", elem_classes=["analyze-btn"])
+            
+            # 결과 탭들
+            with gr.Tab("📊 종합 인포그래픽"): out_info = gr.HTML()
+            with gr.Tab("🎯 종합점수"): out_gauge = gr.HTML()
+            with gr.Tab("🕸️ 재무 레이더"): out_radar = gr.HTML()
+            with gr.Tab("🍩 기관별 확률"): out_donut = gr.HTML()
+            with gr.Tab("💰 파이프라인"): out_pipeline = gr.HTML()
+            with gr.Tab("🔥 리스크맵"): out_heatmap = gr.HTML()
+            with gr.Tab("📈 벤치마크"): out_benchmark = gr.HTML()
+            with gr.Tab("📋 KPI보드"): out_scorecard = gr.HTML()
+            with gr.Tab("💧 워터폴"): out_waterfall = gr.HTML()
+            with gr.Tab("⏱️ 타임라인"): out_timeline = gr.HTML()
+            with gr.Tab("💳 신용시뮬"): out_credit = gr.HTML()
+        
+        inputs = [company_name, biz_num, industry, sales, years, credit_score, employees,
+                  education, tech_grade, has_patent, has_venture, has_innobiz, request_amt,
+                  total_assets, total_liab, cur_assets, cur_liab,
+                  op_profit, net_income, interest_exp, caution_checks, existing_guar, related_sales]
+        
+        outputs = [out_info, out_gauge, out_radar, out_donut, out_pipeline, out_heatmap,
+                   out_benchmark, out_scorecard, out_waterfall, out_timeline, out_credit]
+        
+        analyze_btn.click(fn=run_ultra_analysis, inputs=inputs, outputs=outputs)
+        
+        # 저장/불러오기 이벤트
+        save_inputs = [fund_email] + inputs
+        fund_save.click(fn=save_fund_results, inputs=save_inputs, outputs=[fund_status])
+        
+        load_outputs = inputs + [fund_status]
+        fund_load.click(fn=load_fund_results, inputs=[fund_email], outputs=load_outputs)
+
+
+def create_app():
+    """독립 실행용"""
+    with gr.Blocks(css=CUSTOM_CSS, title="미네랄핵 ULTRA v7.0") as app:
+        gr.HTML("""
+        <div style="text-align:center;padding:40px;background:linear-gradient(135deg,#0d1117,#161b22);
+            border-radius:20px;margin-bottom:20px;border:1px solid rgba(111,217,168,0.2);">
+            <h1 style="font-family:'Orbitron',sans-serif;font-size:42px;margin:0;
+                background:linear-gradient(135deg,#6fd9a8,#fff,#6fd9a8);
+                -webkit-background-clip:text;-webkit-text-fill-color:transparent;">
+                🎮 미네랄핵 ULTRA v7.0
+            </h1>
+            <p style="color:#8888a0;margin:15px 0 0;font-size:16px;">OKCEO 정책자금 사전심사 시스템</p>
+        </div>
+        """)
+        create_fund_tab()
+    return app
+
+
+if __name__ == "__main__":
+    app = create_app()
+    app.launch(server_name="0.0.0.0", server_port=7860)