:root{--bg: #f4f6fb;--surface: #ffffff;--ink: #0f1729;--ink-soft: #3d4759;--muted: #6b7688;--line: #e8ebf2;--line-soft: #f0f2f7;--brand: #3b5bff;--brand-dark: #2740d6;--brand-soft: #eef1ff;--accent: #12b981;--warn-bg: #fff8ec;--warn-line: #fce4bd;--shadow-sm: 0 1px 2px rgba(15, 23, 41, .05);--shadow: 0 2px 4px rgba(15, 23, 41, .04), 0 8px 24px rgba(15, 23, 41, .06);--shadow-lg: 0 12px 40px rgba(15, 23, 41, .1);--radius: 16px;--radius-sm: 11px;--maxw: 1060px}*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{font-family:Pretendard Variable,Pretendard,-apple-system,BlinkMacSystemFont,Apple SD Gothic Neo,Malgun Gothic,system-ui,sans-serif;background:var(--bg);color:var(--ink);line-height:1.62;letter-spacing:-.01em;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;word-break:keep-all}a{color:var(--brand);text-decoration:none}a:hover{text-decoration:underline}h1,h2,h3{letter-spacing:-.03em;line-height:1.28}.app{display:flex;flex-direction:column;min-height:100vh}main{flex:1}.num{font-variant-numeric:tabular-nums;font-feature-settings:"tnum"}.site-header{position:sticky;top:0;z-index:50;background:#ffffffd1;backdrop-filter:saturate(180%) blur(14px);-webkit-backdrop-filter:saturate(180%) blur(14px);border-bottom:1px solid var(--line)}.header-inner{max-width:var(--maxw);margin:0 auto;padding:12px 20px;display:flex;align-items:center;justify-content:space-between;gap:16px}.brand{display:flex;align-items:center;gap:11px;color:var(--ink)}.brand:hover{text-decoration:none}.brand-mark{font-size:1.5rem;width:40px;height:40px;display:grid;place-items:center;background:var(--brand-soft);border-radius:11px}.brand-text strong{display:block;font-size:1.12rem;font-weight:800}.brand-text small{display:block;font-size:.7rem;color:var(--muted);letter-spacing:0}.site-nav{display:flex;align-items:center;gap:26px}.site-nav a{color:var(--ink-soft);font-size:.92rem;font-weight:600}.site-nav a:hover,.site-nav a.active{color:var(--brand);text-decoration:none}.nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:6px}.nav-toggle span{width:22px;height:2px;background:var(--ink);border-radius:2px}.hero{position:relative;background:radial-gradient(120% 120% at 15% 0%,#4d6bff,#2740d6 55%,#1a2bb0);color:#fff;padding:60px 20px 66px;overflow:hidden}.hero:after{content:"";position:absolute;right:-80px;top:-80px;width:340px;height:340px;background:radial-gradient(circle,rgba(255,255,255,.14),transparent 70%);pointer-events:none}.hero-inner{max-width:var(--maxw);margin:0 auto;position:relative}.hero-badges{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:20px}.hero-badge{font-size:.76rem;font-weight:600;background:#ffffff29;border:1px solid rgba(255,255,255,.22);padding:5px 11px;border-radius:999px}.hero h1{font-size:clamp(2rem,5.5vw,3.15rem);font-weight:850;letter-spacing:-.04em}.hero-accent{color:#ffe14d}.hero p{margin-top:18px;max-width:600px;color:#ffffffeb;font-size:1.05rem}.hero-chips{margin-top:28px;display:flex;flex-wrap:wrap;gap:9px}.hero-chip{background:#ffffff21;border:1px solid rgba(255,255,255,.24);color:#fff;padding:9px 15px;border-radius:999px;font-size:.9rem;font-weight:600;transition:background .15s,transform .15s}.hero-chip:hover{background:#ffffff42;transform:translateY(-1px);text-decoration:none}.trust-strip{max-width:var(--maxw);margin:-30px auto 0;padding:0 20px;position:relative;z-index:2}.trust-strip-inner{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);display:grid;grid-template-columns:repeat(3,1fr);overflow:hidden}.trust-item{padding:18px 20px;text-align:center;border-right:1px solid var(--line-soft)}.trust-item:last-child{border-right:none}.trust-item strong{display:block;font-size:1.02rem;font-weight:800}.trust-item span{display:block;font-size:.8rem;color:var(--muted);margin-top:2px}.page-inner{max-width:var(--maxw);margin:0 auto;padding:40px 20px 64px}.page-inner.narrow{max-width:740px}.page .page-inner{padding-top:26px}.cat-section{margin:42px 0}.cat-title{font-size:1.32rem;font-weight:800;display:flex;align-items:center;gap:9px;margin-bottom:18px}.cat-title span:first-child{font-size:1.15rem;width:34px;height:34px;display:grid;place-items:center;background:var(--brand-soft);border-radius:9px}.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:14px}.calc-card-link{display:flex;align-items:center;gap:15px;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:19px 20px;color:var(--ink);box-shadow:var(--shadow-sm);transition:transform .16s ease,border-color .16s ease,box-shadow .16s ease}.calc-card-link:hover{text-decoration:none;transform:translateY(-3px);border-color:var(--brand);box-shadow:var(--shadow)}.card-icon{font-size:1.5rem;flex-shrink:0;width:48px;height:48px;display:grid;place-items:center;background:linear-gradient(135deg,#eef1ff,#e3e9ff);border-radius:12px}.card-body{flex:1;min-width:0}.card-body strong{display:block;font-size:1.03rem;font-weight:700}.card-body small{display:-webkit-box;color:var(--muted);font-size:.83rem;margin-top:3px;line-height:1.45;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}.card-arrow{color:var(--brand);font-size:1.15rem;flex-shrink:0;transition:transform .16s}.calc-card-link:hover .card-arrow{transform:translate(3px)}.breadcrumb{font-size:.85rem;color:var(--muted);margin-bottom:16px}.breadcrumb a{color:var(--muted)}.breadcrumb span{margin:0 5px}.calc-h1{font-size:clamp(1.5rem,3.6vw,2rem);font-weight:800}.calc-h1-icon{margin-right:4px}.calc-lead{color:var(--muted);margin-top:11px;font-size:1.02rem;max-width:720px}.calc-meta{display:flex;flex-wrap:wrap;gap:8px;align-items:center;margin-top:12px;font-size:.8rem;color:var(--muted);font-weight:500}.calc-meta span:nth-child(2){opacity:.5}.references .ref-intro{font-size:.88rem;color:var(--muted)}.ref-list li{font-size:.87rem;color:var(--ink-soft)}.email-link{font-weight:600;word-break:break-all}.email-ph{color:var(--muted);font-style:italic}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:26px 0 8px}.calc-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-sm)}.calc-result-card{background:linear-gradient(180deg,#f7f9ff,#eef2ff);border:1px solid #dbe3ff;border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-sm)}.calc-field{display:block;margin-bottom:17px}.calc-field:last-child{margin-bottom:0}.calc-label{display:block;font-size:.88rem;font-weight:700;margin-bottom:8px;color:var(--ink-soft)}.calc-unit{color:var(--muted);font-weight:500;font-style:normal}.calc-field input,.calc-field select{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:var(--radius-sm);font-size:1.02rem;font-weight:600;background:#fff;color:var(--ink);font-family:inherit;font-variant-numeric:tabular-nums;transition:border-color .12s,box-shadow .12s}.calc-field input:focus,.calc-field select:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 3.5px var(--brand-soft)}.calc-hint{display:block;color:var(--muted);font-size:.77rem;margin-top:6px;font-weight:500}.calc-buttons{display:flex;gap:8px;flex-wrap:wrap}.calc-buttons button{flex:1;min-width:92px;padding:11px;border:1.5px solid var(--line);background:#fff;border-radius:var(--radius-sm);font-size:.9rem;font-weight:600;cursor:pointer;color:var(--ink-soft);transition:all .13s}.calc-buttons button:hover{border-color:#c7d0e8}.calc-buttons button.active{background:var(--brand);border-color:var(--brand);color:#fff}.calc-result-card{display:flex;flex-direction:column}.result-rows{list-style:none}.result-row{display:flex;justify-content:space-between;align-items:baseline;gap:12px;padding:10px 2px;border-bottom:1px solid rgba(59,91,255,.09);font-size:.95rem}.result-row:last-child{border-bottom:none}.result-label{color:var(--muted);font-weight:500}.result-value{font-weight:700;text-align:right;font-variant-numeric:tabular-nums}.result-value small{display:block;font-weight:500;font-size:.75rem;color:var(--muted);margin-top:3px}.result-row.highlight{background:#fff;border:1.5px solid var(--brand);border-radius:13px;padding:16px 18px;margin-bottom:10px;box-shadow:0 4px 14px #3b5bff1f}.result-row.highlight .result-label{color:var(--ink);font-weight:700;font-size:.92rem}.result-row.highlight .result-value{color:var(--brand-dark);font-size:1.62rem;letter-spacing:-.02em}.result-note{margin-top:auto;padding-top:14px;font-size:.82rem;color:var(--muted);line-height:1.55}.result-empty{color:var(--muted);text-align:center;padding:40px 0;margin:auto}.prose-section{margin:34px 0}.prose-section h2{font-size:1.28rem;font-weight:800;margin-bottom:14px;padding-left:12px;border-left:4px solid var(--brand)}.prose-section p{margin-bottom:13px;color:var(--ink-soft)}.prose-section ul{padding-left:4px;margin-bottom:13px;list-style:none}.prose-section li{position:relative;padding-left:20px;margin-bottom:8px;color:var(--ink-soft)}.prose-section li:before{content:"";position:absolute;left:3px;top:.62em;width:6px;height:6px;border-radius:2px;background:var(--brand)}.faq-item{margin-bottom:18px;padding-bottom:18px;border-bottom:1px solid var(--line-soft)}.faq-item:last-child{border-bottom:none}.faq-item h3{font-size:1.02rem;font-weight:700;margin-bottom:6px}.faq-item p{color:var(--muted);margin-bottom:0}.related-links,.chip-row{display:flex;flex-wrap:wrap;gap:9px}.related-chip,.chip{display:inline-block;background:var(--surface);border:1px solid var(--line);border-radius:999px;padding:9px 16px;font-size:.88rem;font-weight:600;color:var(--ink-soft);box-shadow:var(--shadow-sm)}.related-chip:hover,.chip:hover{border-color:var(--brand);color:var(--brand);text-decoration:none}.chip.active{background:var(--brand);border-color:var(--brand);color:#fff}.all-calcs{margin-top:44px;padding-top:26px;border-top:1px solid var(--line)}.all-calcs h2{font-size:1.08rem;font-weight:800;margin-bottom:14px}.calc-disclaimer{margin-top:30px;font-size:.82rem;color:#8a6d3b;background:var(--warn-bg);border:1px solid var(--warn-line);border-radius:12px;padding:13px 15px;line-height:1.6}.home-intro{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow-sm)}.home-intro h2{border-left:none;padding-left:0}.btn-primary{display:inline-block;background:var(--brand);color:#fff;padding:13px 24px;border-radius:var(--radius-sm);font-weight:700}.btn-primary:hover{background:var(--brand-dark);text-decoration:none}.site-footer{background:#0d1424;color:#c3ccdb;margin-top:48px}.footer-inner{max-width:var(--maxw);margin:0 auto;padding:44px 20px 26px;display:grid;grid-template-columns:2fr 1fr 1fr;gap:34px}.footer-brand{font-size:1.18rem;font-weight:800;color:#fff;margin-bottom:11px}.footer-desc{font-size:.85rem;line-height:1.65;color:#8b96a9;max-width:380px}.footer-mail{margin-top:12px;font-size:.85rem;color:#8b96a9}.footer-col h3{font-size:.82rem;color:#fff;margin-bottom:13px;letter-spacing:.02em}.footer-col ul{list-style:none}.footer-col li{margin-bottom:9px}.footer-col a{color:#c3ccdb;font-size:.86rem}.footer-col a:hover{color:#fff}.footer-bottom{border-top:1px solid #1b2740;padding:18px 20px;text-align:center}.footer-bottom p{max-width:var(--maxw);margin:0 auto;font-size:.78rem;color:#5d6a82}.prerender-content{max-width:760px;margin:0 auto;padding:40px 20px;line-height:1.7}.prerender-content h1{font-size:1.7rem;margin-bottom:14px}.prerender-content h2{font-size:1.2rem;margin:22px 0 10px}@media(max-width:760px){.calc-grid,.trust-strip-inner{grid-template-columns:1fr}.trust-item{border-right:none;border-bottom:1px solid var(--line-soft)}.trust-item:last-child{border-bottom:none}.footer-inner{grid-template-columns:1fr 1fr}.footer-col:first-child{grid-column:1 / -1}.nav-toggle{display:flex}.site-nav{position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;gap:0;border-bottom:1px solid var(--line);box-shadow:var(--shadow);max-height:0;overflow:hidden;transition:max-height .22s ease}.site-nav.open{max-height:420px}.site-nav a{width:100%;padding:14px 20px;border-top:1px solid var(--line-soft)}.result-row.highlight .result-value{font-size:1.45rem}}