:root{
  --bg:#f6f5f1; --surface:#ffffff; --surface-2:#f0efe9; --ink:#1b1d1c; --muted:#6b6d68; --line:#e2e0d8;
  --accent:#0f6b4f; --accent-ink:#ffffff; --accent-soft:#e1efe8; --up:#b3261e; --down:#0f6b4f; --warn:#8a5a00;
  --radius:14px; --f-body:"Pretendard Variable",Pretendard,"Apple SD Gothic Neo","Malgun Gothic",system-ui,sans-serif;
  --f-num:"Pretendard Variable",Pretendard,ui-monospace,monospace;
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){
  --bg:#121413; --surface:#1b1e1c; --surface-2:#232725; --ink:#eceeea; --muted:#9ea29c; --line:#2f3431;
  --accent:#4fc39a; --accent-ink:#06261b; --accent-soft:#183329; --up:#f2827a; --down:#4fc39a; --warn:#e3b25a; color-scheme:dark}}
:root[data-theme="dark"]{
  --bg:#121413; --surface:#1b1e1c; --surface-2:#232725; --ink:#eceeea; --muted:#9ea29c; --line:#2f3431;
  --accent:#4fc39a; --accent-ink:#06261b; --accent-soft:#183329; --up:#f2827a; --down:#4fc39a; --warn:#e3b25a; color-scheme:dark}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--f-body);font-size:16px;line-height:1.65;word-break:keep-all}
a{color:var(--accent)}
.wrap{max-width:960px;margin:0 auto;padding:0 16px}
.site-head{border-bottom:1px solid var(--line);background:var(--surface)}
.site-head .wrap{display:flex;align-items:center;justify-content:space-between;height:56px}
.brand{font-weight:800;font-size:17px;color:var(--ink);text-decoration:none;letter-spacing:-.02em}
.brand span{color:var(--accent)}
.site-head nav a{color:var(--muted);text-decoration:none;font-size:14px;margin-left:16px}
.site-head nav a:hover{color:var(--ink)}
main{padding:28px 0 56px}
h1{font-size:clamp(24px,5vw,32px);line-height:1.3;letter-spacing:-.03em;margin:0 0 8px}
.lede{color:var(--muted);margin:0 0 24px}
h2{font-size:21px;letter-spacing:-.02em;margin:48px 0 12px}
h3{font-size:17px;margin:28px 0 8px}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.calc{display:grid;grid-template-columns:1fr;gap:16px}
@media (min-width:820px){.calc{grid-template-columns:1fr 1fr;align-items:start}.result{position:sticky;top:16px}}
.field{margin-bottom:16px}
.field:last-child{margin-bottom:0}
.field label,.field .label{display:block;font-size:14px;font-weight:600;margin-bottom:6px}
.hint{font-size:13px;color:var(--muted);margin-top:4px}
.seg{display:inline-flex;background:var(--surface-2);border-radius:10px;padding:3px;gap:2px}
.seg button{border:0;background:transparent;color:var(--muted);font:inherit;font-size:14px;font-weight:600;padding:7px 14px;border-radius:8px;cursor:pointer}
.seg button[aria-pressed="true"]{background:var(--surface);color:var(--ink);box-shadow:0 1px 2px rgba(0,0,0,.08)}
.money{position:relative}
.money input{width:100%;font:inherit;font-size:20px;font-weight:700;font-family:var(--f-num);padding:12px 56px 12px 14px;border:1px solid var(--line);border-radius:10px;background:var(--surface);color:var(--ink);text-align:right}
.money .unit{position:absolute;right:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-size:15px}
input:focus,select:focus,button:focus-visible{outline:2px solid var(--accent);outline-offset:1px}
.quick{display:flex;flex-wrap:wrap;gap:6px;margin-top:8px}
.quick button{border:1px solid var(--line);background:var(--surface);color:var(--ink);font:inherit;font-size:13px;padding:5px 10px;border-radius:999px;cursor:pointer}
.quick button:hover{border-color:var(--accent);color:var(--accent)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
select,.plain{width:100%;font:inherit;padding:10px 12px;border:1px solid var(--line);border-radius:10px;background:var(--surface);color:var(--ink)}
.check{display:flex;gap:8px;align-items:flex-start;font-size:14px;cursor:pointer}
.check input{margin-top:4px;accent-color:var(--accent)}
.result .big{font-family:var(--f-num);font-size:clamp(32px,7vw,40px);font-weight:800;letter-spacing:-.02em;line-height:1.15}
.result .big small{font-size:18px;font-weight:600;margin-left:2px}
.result .sub{color:var(--muted);font-size:14px;margin-top:4px}
.tag{display:inline-block;font-size:12px;font-weight:700;color:var(--accent);background:var(--accent-soft);padding:3px 8px;border-radius:6px;margin-bottom:8px}
.lines{width:100%;border-collapse:collapse;margin-top:16px;font-size:15px}
.lines td{padding:8px 0;border-top:1px solid var(--line)}
.lines td:last-child{text-align:right;font-family:var(--f-num);font-weight:600}
.lines .rate{color:var(--muted);font-size:12px;font-weight:400;margin-left:6px}
.lines tr.total td{font-weight:800;border-top:2px solid var(--ink)}
.delta{margin-top:14px;padding:12px 14px;background:var(--surface-2);border-radius:10px;font-size:14px}
.delta b{font-family:var(--f-num)}
.delta .up{color:var(--up)} .delta .down{color:var(--down)}
.note{font-size:13px;color:var(--muted);margin-top:12px}
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:var(--surface)}
table.data{width:100%;border-collapse:collapse;font-size:14px;min-width:560px}
table.data th,table.data td{padding:9px 12px;border-bottom:1px solid var(--line);text-align:right;white-space:nowrap}
table.data th:first-child,table.data td:first-child{text-align:left}
table.data thead th{background:var(--surface-2);font-weight:700;position:sticky;top:0}
table.data td{font-family:var(--f-num)}
table.data tr:last-child td{border-bottom:0}
.prose p,.prose li{max-width:68ch}
.faq details{border-bottom:1px solid var(--line);padding:14px 0}
.faq summary{font-weight:700;cursor:pointer}
.faq details p{margin:8px 0 0;color:var(--ink)}
.grid-tools{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:12px}
.tool{display:block;text-decoration:none;color:var(--ink);background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:18px}
.tool:hover{border-color:var(--accent)}
.tool .t{font-weight:800;font-size:17px}
.tool .d{color:var(--muted);font-size:14px;margin-top:4px}
.tool.soon{opacity:.55;pointer-events:none}
.tool .badge{font-size:11px;font-weight:700;color:var(--muted);border:1px solid var(--line);border-radius:6px;padding:1px 6px;margin-left:6px;vertical-align:2px}
.related{display:flex;flex-wrap:wrap;gap:8px}
.related a{border:1px solid var(--line);border-radius:999px;padding:6px 12px;text-decoration:none;font-size:14px;color:var(--ink);background:var(--surface)}
.site-foot{border-top:1px solid var(--line);color:var(--muted);font-size:13px;padding:24px 0 40px}
.site-foot a{color:var(--muted)}
.ad-slot{margin:24px 0}
@media (max-width:480px){.site-head nav a{margin-left:10px;font-size:13px}.brand{font-size:16px}}
.row2>*{min-width:0} input[type=date]{min-width:0;-webkit-appearance:none;appearance:none;min-height:44px}
.brand{font-size:22px;letter-spacing:-.03em}
@media (max-width:480px){.brand{font-size:19px}}
.bar-row{display:grid;grid-template-columns:40px 1fr 64px;gap:8px;align-items:center;font-size:12px;color:var(--muted);margin:3px 0}
.bar-row em{font-style:normal;text-align:right;font-family:var(--f-num);color:var(--ink)}
.bar{display:flex;height:12px;background:var(--surface-2);border-radius:4px;overflow:hidden}
.bar i{background:var(--muted);opacity:.45}.bar b{background:var(--accent)}
.legend{display:flex;gap:14px;font-size:12px;color:var(--muted);margin:10px 0 6px}
.legend span::before{content:"";display:inline-block;width:10px;height:10px;border-radius:2px;margin-right:5px;vertical-align:-1px;background:var(--accent)}
.legend span.p::before{background:var(--muted);opacity:.45}
.warn{color:var(--warn);font-size:13px;margin-top:8px}
@media (max-width:480px){.grid-tools{grid-template-columns:1fr 1fr;gap:10px}.tool{padding:14px}.tool .t{font-size:16px}.tool .d{font-size:13px}}
.seg{flex-wrap:wrap}
@media (max-width:480px){.seg{display:grid;grid-auto-flow:column;grid-auto-columns:1fr;width:100%}.seg button{padding:8px 4px;font-size:13px;white-space:nowrap}}