:root{
  --bg:#FFFFFF; --surface:#F4F6F9; --line:#E4E8EE;
  --ink:#0F1A2E; --sub:#4A5568; --faint:#6B7486;
  --blue:#1E5EFF; --blue-press:#1448D6; --blue-tint:#EAF0FF;
  --hot:#E8432A; --free:#00A35C;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font-family:"Pretendard Variable",Pretendard,-apple-system,"Apple SD Gothic Neo","Malgun Gothic",sans-serif;font-size:17px;line-height:1.6;letter-spacing:-0.01em;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
button{font:inherit;color:inherit;cursor:pointer}
:focus-visible{outline:2.5px solid var(--blue);outline-offset:2px;border-radius:6px}
.num{font-variant-numeric:tabular-nums}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}

/* top bar (홈과 같은 모양) */
.top{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;gap:28px;height:72px}
.brand{display:flex;align-items:center;gap:10px;font-size:28px;font-weight:800;letter-spacing:-0.05em;line-height:1}
.brand img{width:40px;height:40px}
.nav{display:flex;height:100%}
.nav a{display:flex;align-items:center;padding:0 15px;font-size:18px;font-weight:700;color:#1B2433;position:relative;letter-spacing:-0.035em}
.nav a:hover{color:var(--blue)}
.nav a.on{color:var(--blue);font-weight:800}
.nav a.on::after{content:"";position:absolute;left:18px;right:18px;bottom:-1px;height:3px;border-radius:3px 3px 0 0;background:var(--blue)}
.back{display:none;margin-left:auto;font-size:15.5px;font-weight:700;color:var(--sub)}
@media (max-width:760px){.nav{display:none}.back{display:block}.brand{font-size:24px}.brand img{width:34px;height:34px}}

/* layout */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:48px;padding-top:28px;padding-bottom:72px}
@media (max-width:960px){.layout{grid-template-columns:minmax(0,1fr)}}
.crumb{font-size:14.5px;color:var(--faint)}
.crumb a:hover{color:var(--ink)}
.crumb span{margin:0 6px}
h1{margin:8px 0 6px;font-size:38px;font-weight:800;letter-spacing:-0.05em;line-height:1.2}
.lead{margin:0 0 20px;font-size:17px;color:var(--sub)}
@media (max-width:760px){h1{font-size:30px}}
.tabs{display:flex;gap:6px;overflow-x:auto;scrollbar-width:none;margin:0 0 24px;padding-bottom:2px}
.tabs::-webkit-scrollbar{display:none}
.tabs a{flex:none;height:40px;display:flex;align-items:center;padding:0 16px;border-radius:999px;border:1px solid var(--line);font-size:15px;font-weight:600;color:var(--sub);white-space:nowrap}
.tabs a:hover{color:var(--ink);border-color:#C9D0DA}
.tabs a.on{background:var(--ink);border-color:var(--ink);color:#fff}

/* form */
.card{border:1px solid var(--line);border-radius:18px;padding:24px;background:#fff}
.grid2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px 18px}
.grid3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px 18px}
.grid2>*,.grid3>*,.f{min-width:0}
@media (max-width:860px) and (min-width:641px){.grid3{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:640px){.grid2,.grid3{grid-template-columns:minmax(0,1fr)}}
.f label,.lab{display:block;overflow-wrap:anywhere;font-size:15px;font-weight:700;margin-bottom:7px}
.f .hint{font-size:13.5px;color:var(--faint);margin-top:5px}
.in{display:flex;align-items:center;height:52px;border:1.5px solid #CDD3DC;border-radius:12px;padding:0 14px;background:#fff}
.in:focus-within{border-color:var(--blue);box-shadow:0 0 0 3px var(--blue-tint)}
.in input,.in select{flex:1;min-width:0;width:100%;border:0;outline:0;background:transparent;font:inherit;font-size:18px;color:var(--ink);height:100%}
.in .u{color:var(--faint);font-size:16px;margin-left:8px;white-space:nowrap}
textarea.ta{width:100%;min-height:180px;border:1.5px solid #CDD3DC;border-radius:12px;padding:14px;font:inherit;font-size:17px;resize:vertical}
textarea.ta:focus{outline:0;border-color:var(--blue);box-shadow:0 0 0 3px var(--blue-tint)}
.seg{display:inline-flex;background:var(--surface);border-radius:12px;padding:4px;gap:4px;flex-wrap:wrap}
.seg button{border:0;background:transparent;height:42px;padding:0 16px;border-radius:9px;font-size:15.5px;font-weight:700;color:var(--sub)}
.seg button[aria-pressed="true"]{background:#fff;color:var(--ink);box-shadow:0 1px 3px rgba(15,26,46,.12)}
.row-gap{margin-top:18px}
.chk{display:inline-flex;align-items:center;gap:8px;font-size:15.5px;font-weight:600}
.chk input{width:20px;height:20px;accent-color:var(--blue)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:6px;height:48px;padding:0 20px;border-radius:12px;font-size:16px;font-weight:700;border:0}
.btn-blue{background:var(--blue);color:#fff}.btn-blue:hover{background:var(--blue-press)}
.btn-line{background:#fff;border:1px solid var(--line);color:var(--ink)}.btn-line:hover{border-color:#C9D0DA}
.btn-sm{height:38px;padding:0 14px;font-size:14.5px;border-radius:10px}
.xbtn{border:0;background:var(--surface);width:40px;height:40px;border-radius:10px;font-size:18px;color:var(--sub);flex:none}

/* result */
.result{margin-top:20px;border-radius:18px;background:var(--surface);padding:26px 24px}
.result .k{font-size:15px;font-weight:700;color:var(--sub)}
.result .big{font-size:40px;font-weight:800;letter-spacing:-0.04em;line-height:1.2;margin-top:4px;word-break:keep-all}
.result .big small{font-size:20px;font-weight:700;margin-left:4px}
.result .sub{font-size:16.5px;color:var(--sub);margin-top:6px}
.result .err{font-size:16px;color:var(--hot);font-weight:600}
@media (max-width:640px){.result .big{font-size:32px}}
.kv{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:10px;margin-top:18px}
.kv div{background:#fff;border-radius:12px;padding:14px 16px}
.kv dt{font-size:14px;color:var(--faint);font-weight:600}
.kv dd{margin:2px 0 0;font-size:19px;font-weight:800;letter-spacing:-0.03em}
table.t{width:100%;border-collapse:collapse;margin-top:16px;background:#fff;border-radius:12px;overflow:hidden;font-size:16px}
table.t th,table.t td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left}
table.t th{font-size:14px;color:var(--sub);background:#FAFBFC;font-weight:700}
table.t td.n,table.t th.n{text-align:right}
table.t tr.hl td{background:var(--blue-tint);font-weight:700}
@media (max-width:640px){table.t{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch;font-size:14.5px}table.t th,table.t td{padding:10px 10px;white-space:nowrap}}
.acts{display:flex;gap:8px;flex-wrap:wrap;margin-top:14px;align-items:center}
.acts .toast{font-size:14.5px;color:var(--blue);font-weight:600}
.acts .report{margin-left:auto;font-size:14px;color:var(--faint);text-decoration:underline;text-underline-offset:3px}

/* article */
article{margin-top:56px;padding-top:22px;border-top:2px solid var(--ink)}
article h2{font-size:25px;font-weight:800;letter-spacing:-0.045em;margin:34px 0 12px}
article h2:first-child{margin-top:0}
article p,article li{font-size:17px;color:#2A3446;line-height:1.75}
article ol,article ul{padding-left:22px}
.formula{background:var(--surface);border-radius:12px;padding:16px 18px;font-size:16px;line-height:1.9}
details.faq{border-bottom:1px solid var(--line);padding:14px 0}
details.faq summary{cursor:pointer;font-weight:700;font-size:17px}
details.faq p{margin:8px 0 0}
.basis{margin-top:26px;font-size:14.5px;color:var(--sub);background:var(--surface);border-radius:12px;padding:14px 16px}

/* aside */
aside .box{position:sticky;top:96px}
aside h3{font-size:16px;font-weight:800;margin:0 0 8px;letter-spacing:-0.03em}
aside ul{list-style:none;margin:0 0 28px;padding:0}
aside li a{display:block;padding:12px 0;border-bottom:1px solid var(--line);font-size:16.5px;font-weight:700}
aside li a span{display:block;font-size:14px;color:var(--faint);font-weight:500}
aside li a:hover{color:var(--blue)}
footer{border-top:1px solid var(--line);padding:28px 0 48px;font-size:14px;color:var(--faint)}
footer a{color:var(--sub);font-weight:600;margin-right:14px}
.split-row{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.2fr) minmax(0,1.2fr) 40px;gap:8px;margin-top:8px;align-items:center}
@media (max-width:640px){.split-row{grid-template-columns:minmax(0,1fr) minmax(0,1fr) 40px}.split-row .memo{display:none}}
.tlist{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}
.tlist a{display:block;padding:16px 18px;border:1px solid var(--line);border-radius:14px;background:#fff}
.tlist a:hover{border-color:var(--blue)}
.tlist b{display:block;font-size:17px;font-weight:800;letter-spacing:-0.03em}
.tlist span{display:block;font-size:14px;color:var(--faint);margin-top:2px}
@media (max-width:900px){.tlist{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:560px){.tlist{grid-template-columns:minmax(0,1fr)}}
.brand>span{color:#1450F0}
footer .links{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:10px}footer .links a{margin:0}
.mk-tabs{margin-bottom:14px}
.mk{min-height:300px}
.mk-note{margin:10px 0 0;font-size:13px;color:var(--faint)}
.mk-h{display:flex;align-items:baseline;justify-content:space-between;gap:10px;flex-wrap:wrap;margin:0 0 8px}
.mk-h b{font-size:15px;font-weight:700}
.mk-h span{font-size:12.5px;color:var(--faint)}
.mk-kr table.t{margin-top:0}
.mk-kr td.up{color:#C8371F}.mk-kr td.dn{color:#1450F0}
.mk-none{padding:40px 0;text-align:center;color:var(--faint)}