:root{--ink:#111827;--ink-soft:#263247;--blue:#155eef;--blue-dark:#0f4bc4;--blue-soft:#eef4ff;--red:#d92d3a;--bg:#f6f7f9;--surface:#fff;--ivory:#fdf8ed;--ivory-line:#e9dcbe;--ivory-ink:#6b6152;--line:#e3e7ed;--line-strong:#cfd5df;--muted:#5f6b7c;--muted-light:#7b8697;--radius-sm:8px;--radius-md:12px;--radius-lg:16px;--shadow-sm:0 1px 2px #1018280a;--shadow-md:0 10px 30px #10182812;--w-wide:1160px;--w-read:820px;--w-narrow:720px;--gutter:24px}*{box-sizing:border-box}html,body{margin:0;padding:0}html{background:var(--bg);scroll-behavior:smooth}body{background:var(--bg);color:var(--ink);font-family:var(--font-sans), "Pretendard Variable", Pretendard, "Apple SD Gothic Neo", "Malgun Gothic", sans-serif;letter-spacing:-.018em;-webkit-font-smoothing:antialiased;text-rendering:optimizelegibility;font-weight:400}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button,a{-webkit-tap-highlight-color:transparent}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline-offset:2px;outline:3px solid #155eef38}h1,h2,h3,p{overflow-wrap:break-word}.shell{width:min(calc(100% - var(--gutter) * 2), var(--w-read));margin:0 auto;padding:0 0 64px}.pageHead{padding:22px 0 18px}.pageTitle{color:var(--ink);letter-spacing:-.04em;margin:10px 0 0;font-size:30px;font-weight:700;line-height:1.22}.pageIntro{max-width:680px;color:var(--muted);margin:10px 0 0;font-size:14px;line-height:1.7}.eyebrow{background:var(--blue-soft);min-height:25px;color:var(--blue-dark);letter-spacing:-.01em;border:1px solid #cddcff;border-radius:999px;align-items:center;padding:0 10px;font-size:12px;font-weight:600;display:inline-flex}.primaryButton,.secondaryButton{border-radius:var(--radius-sm);text-align:center;cursor:pointer;justify-content:center;align-items:center;min-height:48px;padding:0 22px;font-size:15px;font-weight:700;transition:border-color .18s,background .18s,color .18s,transform .18s;display:inline-flex}.primaryButton{border:1px solid var(--blue);background:var(--blue);color:#fff;width:100%;box-shadow:0 6px 16px #155eef29}.primaryButton:hover{border-color:var(--blue-dark);background:var(--blue-dark)}.primaryButton:active,.secondaryButton:active{transform:translateY(1px)}.secondaryButton{border:1px solid var(--line-strong);width:100%;color:var(--ink-soft);background:#fff}.secondaryButton:hover{color:var(--blue-dark);background:#f8faff;border-color:#9eb6e8}.backButton{min-height:30px;color:var(--muted);cursor:pointer;background:0 0;border:0;align-items:center;font-size:13px;font-weight:500;display:inline-flex}.backButton:hover{color:var(--ink)}.footer{color:var(--muted-light);padding:26px 0 0;font-size:12px;line-height:1.7}.testShell{min-height:calc(100vh - 220px)}.progressTop{justify-content:space-between;align-items:center;display:flex}.progressTrack{background:var(--line);overflow:hidden}.progressFill{background:var(--blue);height:100%;transition:width .2s}.options{display:grid}.option{text-align:left;cursor:pointer;width:100%}@media (max-width:640px){:root{--gutter:16px}.pageTitle{font-size:25px}.shell{padding-bottom:48px}}
.calcTabs{background:#eef1f6;border:1px solid #dce2ea;border-radius:10px;grid-template-columns:repeat(4,minmax(0,1fr));gap:6px;padding:4px;display:grid}.calcTabs a{color:#5f6b7c;text-align:center;border-radius:7px;justify-content:center;align-items:center;min-height:40px;padding:0 10px;font-size:14px;font-weight:600;transition:background .16s,color .16s;display:inline-flex}.calcTabs a:hover{color:#263247;background:#fff9}.calcTabs a.isActive{color:#155eef;background:#fff;box-shadow:0 1px 4px #1018281a}@media (max-width:640px){.calcTabs{grid-template-columns:repeat(2,minmax(0,1fr))}.calcTabs a{min-height:38px;font-size:13px}}
.calcPage{width:min(calc(100% - var(--gutter) * 2), var(--w-wide));margin:0 auto;padding:18px 0 64px}.calcHead{padding:8px 0 12px}.calcTitle{color:var(--ink);letter-spacing:-.04em;margin:9px 0 0;font-size:30px;font-weight:700;line-height:1.2}.calcLead{max-width:760px;color:var(--muted);margin:9px 0 0;font-size:14px;line-height:1.7}.calcLayout{grid-template-columns:minmax(0,1.5fr) minmax(0,1fr);align-items:start;gap:16px;display:grid}.calcMain{align-content:start;gap:12px;display:grid}.calcColumns{grid-template-columns:repeat(2,minmax(0,1fr));align-items:start;gap:12px;display:grid}@media (min-width:961px){.calcSplit>:first-child{grid-area:1/1}.calcSplit>:nth-child(2){grid-area:1/2/span 2}.calcSplit>:nth-child(3){grid-area:2/1}}.calcSide{align-content:start;gap:12px;display:grid;position:sticky;top:86px}.calcSection{border:1px solid var(--line);border-radius:var(--radius-md);background:var(--surface);box-shadow:var(--shadow-sm);padding:16px 18px}.calcSectionHead{justify-content:space-between;align-items:baseline;gap:14px;margin-bottom:10px;display:flex}.calcSectionTitle{color:var(--ink);letter-spacing:-.025em;margin:0;font-size:15px;font-weight:700}.calcSectionHint{color:var(--muted-light);white-space:nowrap;font-size:12px;font-weight:500}.calcField{border-top:1px solid #edf0f3;padding:9px 0;display:block}.calcSectionHead+.calcField,.calcSectionHead+.calcFieldRow,.calcSegment+.calcField,.calcSegment+.calcFieldRow,.calcFieldRow .calcField{border-top:0;padding-top:0}.calcFieldRow{border-top:1px solid #edf0f3;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;padding:9px 0;display:grid}.calcFieldRow.cols3{grid-template-columns:repeat(3,minmax(0,1fr))}.calcFieldCopy{display:block}.calcFieldRow>.calcField{flex-direction:column;display:flex}.calcFieldRow>.calcField>.calcFieldCopy{flex:1 0 auto}.calcFieldTop{justify-content:space-between;align-items:baseline;gap:10px;display:flex}.calcLabel{color:var(--ink-soft);font-size:13px;font-weight:600;display:block}.calcHelper{color:var(--muted-light);margin-top:4px;font-size:12px;line-height:1.55;display:block}.calcAmountHint{color:var(--blue);white-space:nowrap;font-size:12px;font-weight:600}.calcControl{border:1px solid var(--line-strong);border-radius:var(--radius-sm);width:100%;min-height:44px;color:var(--ink);background:#fff;outline:0;align-items:center;gap:8px;margin-top:7px;padding:0 13px;font-size:15px;font-weight:500;transition:border-color .16s,box-shadow .16s;display:flex}.calcControl:focus,.calcControl:focus-within{border-color:var(--blue);box-shadow:0 0 0 3px #155eef1a}.calcControl>input{width:100%;min-width:0;color:var(--ink);text-align:right;background:0 0;border:0;outline:0;padding:0;font-size:16px;font-weight:700}.calcControl>b{color:var(--muted);flex:none;font-size:13px;font-weight:600}select.calcControl{appearance:none;background-image:linear-gradient(45deg,#0000 50%,#7b8697 50%),linear-gradient(135deg,#7b8697 50%,#0000 50%);background-position:calc(100% - 18px) calc(50% + 1px),calc(100% - 13px) calc(50% + 1px);background-repeat:no-repeat;background-size:5px 5px;padding-right:34px}.calcSegment{grid-auto-columns:1fr;grid-auto-flow:column;gap:8px;display:grid}.calcSection>.calcSegment{margin-bottom:12px}.calcSegment button{border:1px solid var(--line-strong);border-radius:var(--radius-sm);min-height:42px;color:var(--muted);cursor:pointer;background:#fff;padding:0 10px;font-size:13px;font-weight:600;transition:border-color .16s,background .16s,color .16s}.calcSegment button:hover{border-color:#9eb6e8}.calcSegment button.isActive{border-color:var(--blue);background:var(--blue-soft);color:var(--blue-dark);box-shadow:inset 0 0 0 1px var(--blue)}.calcDetails{border:1px solid var(--line);border-radius:var(--radius-md);background:var(--surface);box-shadow:var(--shadow-sm);padding:0 20px}.calcDetails>summary{color:var(--ink-soft);cursor:pointer;padding:15px 0;font-size:14px;font-weight:600}.calcDetails>p{color:var(--muted-light);margin:-4px 0 6px;font-size:12px}.calcDetails>div:last-child{padding-bottom:16px}.calcError{border-radius:var(--radius-sm);color:#b4232f;background:#fff7f7;border:1px solid #f2c6ca;padding:12px 15px;font-size:13px;line-height:1.6}.calcSubmitNote{color:var(--muted-light);margin:-4px 0 0;font-size:12px;line-height:1.6}.calcSectionFoot{color:var(--muted-light);margin:11px 0 0;font-size:12px;line-height:1.65}.calcInlineNote{border:1px solid var(--ivory-line);border-radius:var(--radius-sm);background:var(--ivory);color:var(--ivory-ink);margin:12px 0 0;padding:11px 13px;font-size:12px;line-height:1.65}.calcInlineNote b{color:#4a4335;font-weight:700}.calcCheck{color:var(--muted);white-space:nowrap;cursor:pointer;align-items:center;gap:7px;font-size:13px;font-weight:600;display:inline-flex}.calcCheck input{width:16px;height:16px;accent-color:var(--blue)}.calcNote{border:1px solid var(--ivory-line);border-radius:var(--radius-md);background:var(--ivory);color:var(--ivory-ink);padding:16px 18px}.calcNote>strong{color:#4a4335;font-size:14px;font-weight:700;display:block}.calcNote p{margin:7px 0 0;font-size:13px;line-height:1.7}.calcNote b{color:#4a4335;font-weight:700}.calcNote>a{color:var(--blue);text-underline-offset:3px;margin-top:10px;font-size:13px;font-weight:600;text-decoration:underline;display:inline-block}.calcNote dl{margin:10px 0 0}.calcNote dl>div{border-top:1px solid var(--ivory-line);padding:9px 0}.calcNote dl>div:first-child{border-top:0;padding-top:0}.calcNote dt{color:#4a4335;font-size:13px;font-weight:700}.calcNote dd{margin:3px 0 0;font-size:13px;line-height:1.65}.calcOutput{margin-top:16px}.calcResult{border-radius:var(--radius-md);color:#fff;box-shadow:var(--shadow-md);background:#17243a;padding:26px 28px;scroll-margin-top:90px}.resultKicker{color:#9fbae7;margin:0;font-size:12px;font-weight:600}.calcResult h2{color:#fff;letter-spacing:-.045em;margin:8px 0 0;font-size:36px;font-weight:700;line-height:1.16}.calcResultGrid{grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;margin-top:20px;display:grid}.calcResultGrid>div{border-radius:var(--radius-sm);background:#ffffff0e;border:1px solid #ffffff1f;flex-direction:column;gap:6px;padding:14px;display:flex}.calcResultGrid span{color:#bcc7d8;font-size:12px}.calcResultGrid strong{color:#fff;font-size:17px;font-weight:700}.calcResultCopy{color:#d3dbea;margin:14px 0 0;font-size:13px;line-height:1.75}.calcResultCopy.dim{color:#9da9ba;margin-top:6px;font-size:12px}.calcResultCopy strong{color:#fff}.calcResultAlert{border-radius:var(--radius-sm);color:#e3eaf6;background:#ffffff14;border:1px solid #ffffff29;margin-top:12px;padding:12px 14px;font-size:13px;line-height:1.65}.calcResultBand{border-radius:var(--radius-sm);background:#ffffff0f;border:1px solid #ffffff24;justify-content:space-between;align-items:center;gap:16px;margin-top:18px;padding:15px 18px;display:flex}.calcResultBand span{color:#c1cada;font-size:13px;line-height:1.5}.calcResultBand strong{color:#fff;white-space:nowrap;font-size:22px}.calcPage.isNarrow{width:min(calc(100% - var(--gutter) * 2), var(--w-read))}.runwayActions{grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;margin-top:14px;display:grid}.runwayAdvice{border-radius:var(--radius-sm);background:#ffffff1a;margin-top:18px;padding:16px 18px}.runwayAdvice strong{margin-bottom:7px;font-size:16px;display:block}.runwayAdvice p{color:#d3dbea;margin:0;font-size:14px;line-height:1.75}@media (max-width:960px){.calcLayout{grid-template-columns:minmax(0,1fr)}.calcColumns{grid-template-columns:repeat(2,minmax(0,1fr))}.calcSide{position:static}.calcResultGrid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:640px){.calcPage{padding:12px 0 48px}.runwayActions{grid-template-columns:minmax(0,1fr)}.calcTitle{font-size:25px}.calcSection{padding:16px}.calcColumns{grid-template-columns:minmax(0,1fr)}.calcFieldRow,.calcFieldRow.cols3{grid-template-columns:minmax(0,1fr);gap:0}.calcFieldRow .calcField{border-top:1px solid #edf0f3;padding:9px 0}.calcFieldRow .calcField:first-child{border-top:0;padding-top:0}.calcControl{min-height:48px}.calcResult{padding:22px 18px}.calcResult h2{font-size:30px}.calcResultGrid{grid-template-columns:minmax(0,1fr)}.calcResultBand{flex-direction:column;align-items:flex-start;gap:8px}}
.policyPage{width:min(calc(100% - var(--gutter) * 2), var(--w-read));padding-top:20px;padding-bottom:40px}.policyPage>.backButton{width:fit-content;min-height:28px;margin-bottom:6px;display:flex}.policyPage>h1{letter-spacing:-.04em;margin:10px 0 0;font-size:28px;line-height:1.22}.policyUpdated{color:var(--muted-light);margin:6px 0 14px;font-size:12px}.policySection{border:1px solid var(--line);border-radius:var(--radius-md);background:var(--surface);margin-top:10px;padding:16px 18px}.policySection h2{letter-spacing:-.025em;margin:0 0 6px;font-size:15px;line-height:1.4}.policySection p{color:var(--muted);margin:6px 0 0;font-size:13px;line-height:1.75}.policyLeadBox{border-color:var(--ivory-line);background:var(--ivory)}.policyLeadBox p{color:var(--ivory-ink)}.policyInlineLink,.policySection a{color:var(--blue);text-underline-offset:3px;margin-top:8px;font-size:13px;font-weight:600;text-decoration:underline;display:inline-block}.aboutPage{width:min(calc(100% - var(--gutter) * 2), var(--w-wide))}.aboutIntro{max-width:760px;color:var(--muted);margin:10px 0 14px;font-size:14px;line-height:1.7}.aboutGrid{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;display:grid}.aboutGrid .policySection{margin-top:0}.aboutLinks{flex-wrap:wrap;gap:16px;display:flex}.aboutInfo{grid-template-columns:.8fr 1.7fr 1fr;align-items:start;gap:22px;display:grid}.aboutInfo>div+div{border-left:1px solid var(--line);padding-left:22px}.aboutInfo a{margin-top:0}@media (max-width:640px){.policyPage{padding-top:14px;padding-bottom:32px}.policyPage>h1{font-size:24px}.policySection{padding:14px 15px}.aboutGrid,.aboutInfo{grid-template-columns:minmax(0,1fr)}.aboutInfo{gap:12px}.aboutInfo>div+div{border-left:0;border-top:1px solid var(--line);padding-top:12px;padding-left:0}}
.siteHeader{z-index:50;-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);background:#fffffff5;border-bottom:1px solid #e5e8ed;position:sticky;top:0}.siteHeaderInner{width:min(calc(100% - var(--gutter) * 2), var(--w-wide));justify-content:space-between;align-items:center;gap:24px;height:60px;margin:0 auto;display:flex}.siteHeaderBrand{color:#111827;letter-spacing:.04em;white-space:nowrap;align-items:center;gap:9px;font-size:17px;font-weight:700;display:inline-flex}.siteHeaderBrand>span{color:#fff;background:#17243a;border-radius:7px;place-items:center;width:27px;height:27px;font-size:13px;font-weight:700;display:grid}.siteHeaderNav{color:#4d596a;align-items:center;gap:26px;min-width:0;font-size:14px;font-weight:500;display:flex}.siteHeaderNav a{white-space:nowrap;transition:color .16s;position:relative}.siteHeaderNav a:hover{color:#155eef}.siteHeaderNav a.isActive{color:#111827;font-weight:700}.siteHeaderNav a.isActive:after{content:"";background:#155eef;height:2px;position:absolute;bottom:-20px;left:0;right:0}@media (max-width:640px){.siteHeaderInner{gap:12px;height:54px}.siteHeaderBrand{font-size:15px}.siteHeaderBrand>span{width:24px;height:24px;font-size:12px}.siteHeaderNav{gap:14px;font-size:12px}.siteHeaderNav a.isActive:after{bottom:-17px}}
.siteFooter{color:#fff;background:#111c2f;border-top:1px solid #e4e8ef}.siteFooterInner{width:min(calc(100% - var(--gutter) * 2), var(--w-wide));margin:0 auto;padding:32px 0 28px}.siteFooterTop{grid-template-columns:minmax(0,1fr) minmax(0,1.6fr);gap:28px;display:grid}.siteFooterBrand{color:#fff;letter-spacing:.04em;font-size:16px;font-weight:700;display:inline-block}.siteFooterBrandArea p{color:#9eabc0;max-width:320px;margin:9px 0 0;font-size:12px;line-height:1.7}.siteFooterCols{grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;display:grid}.siteFooterCols nav{flex-direction:column;align-items:flex-start;gap:8px;display:flex}.siteFooterCols strong{color:#dfe6f1;margin-bottom:2px;font-size:12px;font-weight:700}.siteFooterCols a{color:#9eabc0;font-size:12px;line-height:1.4}.siteFooterCols a:hover{color:#fff;text-decoration:underline}.siteFooterBottom{border-top:1px solid #ffffff1a;justify-content:space-between;align-items:flex-end;gap:24px;margin-top:26px;padding-top:18px;display:flex}.siteFooterBottom p{color:#8493a9;max-width:740px;margin:0;font-size:11px;line-height:1.7}.siteFooterBottom small{color:#78869c;white-space:nowrap;font-size:11px}@media (max-width:760px){.siteFooterTop{grid-template-columns:minmax(0,1fr);gap:22px}.siteFooterCols{grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.siteFooterBottom{flex-direction:column;align-items:flex-start;gap:10px}}