:root{--bg:#f4f7ff;--bg2:#e3ebff;--card:#fff;--line:#dfe6f5;--text:#131c33;--text2:#4f5b76;--muted:#8b95ab;--accent:#1f4fd8;--accent2:#3b82f6;--soft:#eef3ff;--gold:#ffb020;--minus:#d1344b}
*{box-sizing:border-box}[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:linear-gradient(180deg,var(--bg2) 0,var(--bg) 380px);color:var(--text);font:16px/1.6 "Pretendard Variable",Pretendard,-apple-system,BlinkMacSystemFont,"Apple SD Gothic Neo","Malgun Gothic",sans-serif;word-break:keep-all}
a{color:var(--accent)}
.wrap{max-width:720px;margin:0 auto;padding:12px 16px 40px}
.top{display:flex;align-items:center;justify-content:space-between;background:rgba(255,255,255,.85);border:1px solid var(--line);border-radius:18px;padding:10px 14px;backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px)}
.brand{display:flex;align-items:center;gap:8px;text-decoration:none;color:var(--text);font-weight:800;font-size:17px;white-space:nowrap}
.brand svg{width:28px;height:28px}
.top{flex-wrap:wrap;gap:8px}.top nav{display:flex;gap:6px}
.top nav a{display:inline-flex;align-items:center;padding:6px 13px;border-radius:99px;background:var(--soft);border:1.5px solid #cfdcff;color:var(--accent);text-decoration:none;font-size:14px;font-weight:800;white-space:nowrap;transition:background .15s,color .15s}
.top nav a:hover{background:var(--accent);border-color:var(--accent);color:#fff}
.top nav a[aria-current=page]{background:var(--accent);border-color:var(--accent);color:#fff}

/* 앱 배너 */
.apps{position:relative;margin-top:12px;border-radius:16px;overflow:hidden;min-height:92px;width:100%;background:linear-gradient(120deg,#16328f,#1f4fd8 55%,#3b82f6);box-shadow:0 6px 18px rgba(20,40,120,.16)}
.bn{position:absolute;inset:0;display:flex;flex-direction:column;justify-content:center;align-items:flex-start;gap:5px;padding:0 18px;color:#fff;text-decoration:none;opacity:0;pointer-events:none}
.bn.on{opacity:1;pointer-events:auto}
.bn::after{content:"";position:absolute;right:-20px;top:-30px;width:160px;height:160px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.18),rgba(255,255,255,0) 70%)}
.bn b{font-size:clamp(14px,3.8vw,18px);line-height:1.3;font-weight:800;max-width:72%}
.bn-tag{font-size:12px;font-weight:700;background:rgba(255,255,255,.2);border:1px solid rgba(255,255,255,.35);padding:0 8px;border-radius:99px}
.bn-btn{position:absolute;right:16px;top:50%;transform:translateY(-50%);font-size:14px;font-weight:800;background:#fff;color:var(--accent);padding:6px 14px;border-radius:99px;box-shadow:0 2px 8px rgba(0,0,0,.15);z-index:1}

.hero{text-align:center;padding:24px 4px 12px}
.hero h1{margin:0;font-size:clamp(28px,7.6vw,42px);line-height:1.15;font-weight:900;letter-spacing:-.02em}
.hero h1 em{font-style:normal;background:linear-gradient(90deg,var(--accent),var(--accent2));-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.hero p{margin:10px 0 0;color:var(--text2);font-size:clamp(14px,3.9vw,16.5px)}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:6px;border:0;border-radius:14px;padding:10px 16px;font:inherit;font-weight:700;font-size:15px;cursor:pointer;text-decoration:none;-webkit-tap-highlight-color:transparent}
.btn.primary{background:linear-gradient(135deg,var(--accent),var(--accent2));color:#fff;box-shadow:0 6px 16px rgba(31,79,216,.25)}
.btn.ghost{background:#fff;color:var(--text);border:1px solid var(--line)}

/* 계산기 */
.calc{background:var(--card);border:1px solid var(--line);border-radius:22px;padding:16px;box-shadow:0 10px 30px rgba(20,40,120,.07)}
.field{display:block;margin:0 0 14px}
.field>label,.field>.lbl{display:block;font-size:14px;font-weight:700;color:var(--text2);margin:0 0 6px 2px}
.chips{display:grid;grid-template-columns:repeat(auto-fit,minmax(108px,1fr));gap:6px;margin:0 0 10px}
.chips label{position:relative}
.chips input{position:absolute;opacity:0;pointer-events:none}
.chips span{display:block;text-align:center;white-space:nowrap;border:1.5px solid var(--line);background:#fff;border-radius:12px;padding:8px 4px;font-size:14px;font-weight:700;color:var(--text2);cursor:pointer}
.chips input:checked+span{background:var(--accent);border-color:var(--accent);color:#fff}
.chips input:focus-visible+span{outline:2px solid var(--accent2);outline-offset:2px}
.inrow{display:flex;gap:8px;align-items:stretch;position:relative}
.money input{flex:1;min-width:0;font:inherit;font-size:24px;font-weight:800;padding:12px 44px 12px 14px;border:2px solid var(--line);border-radius:14px;background:#fff;color:var(--text);outline:none;font-variant-numeric:tabular-nums;text-align:right}
.money input:focus{border-color:var(--accent)}
.money input::placeholder{color:#b8c2d8;font-weight:600;font-size:18px}
.money em{position:absolute;right:14px;top:50%;transform:translateY(-50%);font-style:normal;font-weight:800;color:var(--text2)}
.under{display:flex;justify-content:space-between;align-items:center;gap:6px;margin-top:6px}
.kr{font-size:14px;font-weight:700;color:var(--accent);min-height:1em;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;min-width:0}
.quick{display:flex;gap:4px;margin-left:auto;flex-shrink:0}
.quick button{border:1px solid var(--line);background:var(--soft);color:var(--text2);border-radius:9px;padding:4px 8px;font:inherit;font-size:12.5px;font-weight:700;cursor:pointer}
.hintline{display:block;font-size:13px;color:var(--muted);margin:2px 2px 0}
.opts{display:grid;gap:8px;margin:0 0 12px;padding:12px;border-radius:14px;background:var(--soft)}
.opts label,.opt{display:flex;align-items:center;gap:8px;font-size:15px;font-weight:600;cursor:pointer}
.opts input,.opt input{width:20px;height:20px;accent-color:var(--accent)}
.row2{display:flex;gap:18px;flex-wrap:wrap;align-items:center;margin:0 0 6px;padding:10px 12px;border-radius:14px;background:var(--soft)}
select{font:inherit;font-size:16px;padding:9px 10px;border:1.5px solid var(--line);border-radius:12px;background:#fff;color:var(--text);max-width:100%}
.field select{width:100%}
details.box{background:#fff;border:1px solid var(--line);border-radius:16px;padding:0 14px;margin:6px 0 4px}
details.box>summary{cursor:pointer;font-weight:700;font-size:15px;padding:12px 24px 12px 0;list-style:none;position:relative;color:var(--text2)}
details.box>summary::-webkit-details-marker{display:none}
details.box>summary::after{content:"+";position:absolute;right:0;top:9px;font-size:22px;color:var(--accent)}
details.box[open]>summary::after{content:"−"}

.res{margin-top:14px}
.big{border-radius:18px;padding:18px 16px;text-align:center;background:linear-gradient(135deg,#eef3ff,#f3f0ff);border:1px solid #d5defa}
.big .lb{font-size:14px;color:var(--text2);font-weight:700}
.big .main{font-size:clamp(26px,8vw,44px);font-weight:900;letter-spacing:-.02em;line-height:1.2;margin:4px 0 8px}
.big .main b{color:var(--accent);font-weight:900}
.big .sub{display:flex;flex-wrap:wrap;gap:6px;justify-content:center}
.big .sub span{background:#fff;border:1px solid #d5defa;border-radius:99px;padding:4px 12px;font-size:14px;color:var(--text2)}.big .sub b{color:var(--text)}
table.bd{width:100%;border-collapse:collapse;margin-top:12px;font-size:15px}
.bd th,.bd td{padding:9px 6px;border-bottom:1px solid var(--line);text-align:left;font-weight:500}
.bd td{text-align:right;font-variant-numeric:tabular-nums;font-weight:700;white-space:nowrap}
.bd th{color:var(--text2)}
.bd tr.sum th,.bd tr.sum td{font-weight:900;color:var(--accent);font-size:16.5px;border-bottom:0;border-top:2px solid var(--text)}
.note{font-size:13px;color:var(--muted);margin:8px 2px 0}
.ver{font-size:12px;color:var(--muted);text-align:center;margin:12px 0 0}
.acts{display:flex;gap:8px;margin-top:12px}.acts .btn{flex:1;white-space:nowrap}

/* 글 */
.doc{font-size:15.5px;line-height:1.75}
.doc h2{font-size:21px;margin:32px 0 10px;letter-spacing:-.01em}
.doc h2 small{font-size:13px;font-weight:600;color:var(--muted)}
.doc ul,.doc ol{padding-left:22px}.doc li{margin:5px 0}
.doc table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);font-size:15px}
.doc th,.doc td{padding:10px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.doc th{width:1%;white-space:nowrap;background:var(--soft);color:var(--text2)}
.doc table.grid{font-size:14px}.doc table.grid th,.doc table.grid td{padding:8px 6px;text-align:center;font-variant-numeric:tabular-nums;width:auto;white-space:normal}.doc table.grid small{color:var(--muted)}
.doc .dates{margin:28px 0 0;font-size:13px;color:var(--muted)}
.doc ul.src{font-size:14px;word-break:break-all}.doc ul.src a{color:var(--text2)}
.doc .notice{font-size:13px;color:var(--muted)}
.doc ul.disc{font-size:14px;color:var(--text2)}
.hub{list-style:none;padding:0!important;display:grid;grid-template-columns:1fr 1fr;gap:10px}
.hub a{display:flex;flex-direction:column;gap:4px;padding:16px;border:1px solid var(--line);border-radius:18px;text-decoration:none;color:var(--text);background:#fff;height:100%;box-shadow:0 6px 18px rgba(20,40,120,.06)}
.hub b{font-size:18px;color:var(--accent)}.hub span{font-size:14px;color:var(--text2);line-height:1.5}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:0 14px;margin:8px 0}
.faq summary{cursor:pointer;font-weight:700;padding:13px 24px 13px 0;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:11px;font-size:20px;color:var(--accent)}.faq details[open] summary::after{content:"−"}
.faq p{margin:0 0 14px;color:var(--text2)}
.rel{list-style:none;padding:0!important;display:grid;grid-template-columns:1fr 1fr;gap:8px}
.rel a{display:flex;flex-direction:column;padding:12px 14px;border:1px solid var(--line);border-radius:14px;text-decoration:none;color:var(--text);background:#fff;height:100%}
.rel b{font-size:15px}.rel span{font-size:13px;color:var(--text2);line-height:1.5;margin-top:2px}
.toast{position:fixed;left:50%;bottom:24px;transform:translate(-50%,20px);background:var(--text);color:#fff;padding:10px 16px;border-radius:12px;font-size:14px;opacity:0;transition:.25s;pointer-events:none;z-index:9}.toast.on{opacity:1;transform:translate(-50%,0)}
.foot{margin-top:40px;font-size:12.5px;color:var(--muted);text-align:center}.foot a{color:var(--text2)}
.gnav{display:flex;flex-wrap:wrap;justify-content:center;gap:6px 14px;margin:0 0 12px}.gnav a{color:var(--text2);text-decoration:none;font-weight:600;font-size:13.5px}
@media (max-width:560px){.rel,.hub{grid-template-columns:1fr}}
@media (max-width:560px){.top nav{width:100%;display:grid;grid-template-columns:repeat(4,1fr)}.top nav a{justify-content:center;padding:8px 4px}}
@media (max-width:440px){.quick button{padding:4px 6px}}