:root{--bg:#f6f8fb;--card:#fff;--ink:#16202e;--muted:#5b6778;--line:#e3e8ef;--brand:#2557d6;--brand-soft:#eaf0ff;--ok:#0f7b4f;--warn:#b4441c;--radius:14px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.7 -apple-system,BlinkMacSystemFont,"Apple SD Gothic Neo","Pretendard","Noto Sans KR","Malgun Gothic",sans-serif;word-break:keep-all}
a{color:var(--brand)}
.wrap{max-width:880px;margin:0 auto;padding:0 18px}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
.site-header .wrap{display:flex;align-items:center;gap:18px;min-height:56px;flex-wrap:wrap}
.logo{font-weight:800;color:var(--ink);text-decoration:none;font-size:17px;display:flex;align-items:center;gap:8px}
.logo-mark{display:inline-grid;place-items:center;width:28px;height:28px;border-radius:8px;background:var(--brand);color:#fff;font-size:15px}
.top-nav{display:flex;gap:14px;overflow-x:auto;font-size:14px;scrollbar-width:none}
.top-nav a{color:var(--muted);text-decoration:none;white-space:nowrap}
.top-nav a:hover{color:var(--brand)}
main{padding:22px 18px 40px}
.crumbs{font-size:13px;color:var(--muted);margin-bottom:6px}
.crumbs a{color:var(--muted)}
h1{font-size:28px;line-height:1.3;margin:6px 0 10px;letter-spacing:-.02em}
h2{font-size:21px;margin:34px 0 12px;letter-spacing:-.01em}
h3{font-size:17px;margin:22px 0 8px}
.lead{font-size:17px;color:#2b3645;margin:0 0 6px}
.meta{font-size:13px;color:var(--muted);margin:0 0 16px}
.calc-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:20px;box-shadow:0 2px 10px rgba(20,40,80,.04)}
.field{margin-bottom:14px}
.field label,.field .label{display:block;font-weight:700;font-size:14px;margin-bottom:6px}
.field[hidden]{display:none}
input,select{width:100%;font:inherit;font-size:17px;padding:11px 12px;border:1px solid #cfd7e3;border-radius:10px;background:#fff;color:var(--ink)}
input:focus,select:focus{outline:2px solid var(--brand);outline-offset:1px;border-color:var(--brand)}
.seg{display:flex;gap:6px;flex-wrap:wrap}
.seg label{flex:1;min-width:90px;display:flex;align-items:center;justify-content:center;gap:6px;border:1px solid #cfd7e3;border-radius:10px;padding:10px;font-weight:600;font-size:15px;cursor:pointer;margin:0}
.seg input{width:auto;margin:0}
.seg label:has(input:checked){border-color:var(--brand);background:var(--brand-soft);color:var(--brand)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.help{font-size:13px;color:var(--muted);margin:5px 0 0}
.money-hint{font-size:13px;color:var(--brand);margin-top:4px;min-height:1em}
.btn{width:100%;padding:13px;border:0;border-radius:10px;background:var(--brand);color:#fff;font:inherit;font-weight:700;font-size:17px;cursor:pointer}
.btn-ghost{border:1px solid var(--line);background:#fff;border-radius:8px;padding:5px 10px;font:inherit;font-size:13px;cursor:pointer;color:var(--muted)}
.result{margin-top:18px;border-top:1px dashed var(--line);padding-top:6px}
.result-head{display:flex;justify-content:space-between;align-items:center}
.result-head h2{margin:12px 0}
.result-table{width:100%;border-collapse:collapse}
.result-table th{text-align:left;font-weight:500;color:var(--muted);padding:9px 0;width:42%;vertical-align:top}
.result-table td{text-align:right;padding:9px 0;font-variant-numeric:tabular-nums}
.result-table th,.result-table td{border:0;background:none}
.result-table tr+tr{border-top:1px solid #f0f2f6}
.result-table tr.total td{font-size:20px;color:var(--brand)}
.result-table small,.small{font-size:13px;color:var(--muted)}
.warn{color:var(--warn)!important;font-size:14px}
.bar{display:inline-block;width:80px;height:8px;background:#edf1f7;border-radius:4px;vertical-align:middle;margin-left:6px;overflow:hidden}
.bar i{display:block;height:100%;background:var(--brand)}
.content{margin-top:10px}
.content p,.content li{color:#253041}
.formula{background:var(--brand-soft);border-radius:10px;padding:12px 14px;font-weight:700;color:#1b3f9c}
.table-wrap{overflow-x:auto;margin:10px 0}
table{border-collapse:collapse;width:100%;font-size:15px;background:#fff}
caption{text-align:left;font-weight:700;padding:6px 0}
th,td{border:1px solid var(--line);padding:8px 10px;text-align:left}
thead th{background:#f1f4f9}
tr.hl td{background:var(--brand-soft);font-weight:700}
.sched td{text-align:right;font-variant-numeric:tabular-nums}
details{margin:10px 0}
summary{cursor:pointer;font-weight:600}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 14px}
.faq p{margin:8px 0 0}
.sources{font-size:14px}
.related,.jusome-cta{margin-top:30px}
.jusome-cta{background:#fff;border:1px solid var(--line);border-left:4px solid var(--brand);border-radius:10px;padding:4px 16px;font-size:15px}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:12px}
.card{display:flex;flex-direction:column;gap:4px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px;text-decoration:none;color:var(--ink);transition:border-color .15s}
.card:hover{border-color:var(--brand)}
.card-icon{font-size:22px}
.card-title{font-weight:700}
.card-desc{font-size:13px;color:var(--muted);line-height:1.5}
.cat{color:var(--muted);font-size:15px;margin-top:20px}
.hero{padding:16px 0 4px}
.hero h1{font-size:30px}
.hero p{font-size:17px;color:#2b3645}
.rate-badge{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 14px;font-size:14px!important}
.site-footer{border-top:1px solid var(--line);background:#fff;padding:22px 0;font-size:14px;color:var(--muted)}
.foot-nav{display:flex;gap:14px;flex-wrap:wrap}
.foot-nav a{color:var(--muted)}
.prose{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:8px 22px 18px}
@media (max-width:560px){h1,.hero h1{font-size:24px}.grid2{grid-template-columns:1fr}.calc-card{padding:16px}.result-table tr.total td{font-size:18px}}