:root{
  --bg:#f7f8fb;--card:#ffffff;--text:#14171f;--muted:#565d6d;--line:#dfe3ea;
  --accent:#3157d5;--accent-dark:#2344b2;--soft:#edf2ff;--good:#166534;--warn:#9a5b00;
  --radius:18px;--shadow:0 10px 30px rgba(16,24,40,.07);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--text);font-family:Pretendard,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Noto Sans KR",Arial,sans-serif;font-size:17px;line-height:1.65}
a{color:inherit}
.wrap{width:min(1080px,calc(100% - 32px));margin:0 auto}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.nav{height:68px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:900;font-size:21px;letter-spacing:-.04em}
.logo-mark{width:34px;height:34px;border-radius:10px;background:var(--accent);display:grid;place-items:center;color:#fff;font-weight:900}
.nav-links{display:flex;align-items:center;gap:18px;font-size:15px;font-weight:700}
.nav-links a{text-decoration:none;color:#394052}
.hero{padding:54px 0 28px}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:28px;align-items:start}
.eyebrow{display:inline-flex;align-items:center;gap:8px;background:var(--soft);color:var(--accent-dark);font-weight:800;font-size:14px;padding:7px 10px;border-radius:999px}
h1{font-size:clamp(34px,5vw,56px);line-height:1.08;letter-spacing:-.055em;margin:16px 0 18px}
h2{font-size:30px;line-height:1.25;letter-spacing:-.035em;margin:0 0 18px}
h3{font-size:21px;line-height:1.35;letter-spacing:-.025em;margin:0 0 10px}
.lead{font-size:20px;line-height:1.6;color:#343a49;max-width:760px}
.muted{color:var(--muted)}
.notice{border:1px solid #cfd9ff;background:#f6f8ff;border-radius:16px;padding:16px 18px;color:#2d3d76;font-size:15px}
.hero-side{background:#161a26;color:#fff;border-radius:22px;padding:24px;box-shadow:var(--shadow)}
.hero-side .mini{color:#c4cada;font-size:14px}
.hero-side strong{font-size:36px;display:block;letter-spacing:-.04em;margin:4px 0 8px}
.hero-side .map{display:grid;grid-template-columns:repeat(5,1fr);gap:6px;margin-top:16px}
.hero-side .map span{background:#292f40;border-radius:10px;text-align:center;padding:10px 2px;font-weight:900}
.section{padding:26px 0}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px}
.calc-shell{display:grid;grid-template-columns:1fr .92fr;gap:20px;align-items:start}
.tabs{display:flex;gap:8px;margin-bottom:18px}
.tab{border:1px solid var(--line);background:#fff;padding:10px 14px;border-radius:12px;font-weight:800;cursor:pointer;font-size:15px}
.tab.active{background:#171b25;color:#fff;border-color:#171b25}
.panel{display:none}
.panel.active{display:block}
.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field{display:flex;flex-direction:column;gap:7px}
.field.full{grid-column:1/-1}
label{font-size:15px;font-weight:800}
input,select{width:100%;font:inherit;border:1px solid #cdd2dc;border-radius:12px;padding:13px 14px;background:#fff;color:#151922;outline:none}
input:focus,select:focus{border-color:var(--accent);box-shadow:0 0 0 3px rgba(49,87,213,.1)}
.help{font-size:13px;color:#6b7280;line-height:1.45}
.btn{border:0;border-radius:13px;background:var(--accent);color:#fff;font-weight:900;font-size:17px;padding:14px 18px;cursor:pointer}
.btn:hover{background:var(--accent-dark)}
.result{background:#161a26;color:#fff;border-radius:18px;padding:24px;min-height:280px}
.result.empty{display:grid;place-items:center;text-align:center;color:#cfd5e3}
.result .kicker{color:#aab5d1;font-size:14px;font-weight:800}
.result .grade{font-size:58px;font-weight:950;letter-spacing:-.06em;line-height:1;margin:10px 0 12px}
.result .amount{font-size:22px;font-weight:900}
.breakdown{margin-top:18px;border-top:1px solid #333a4b;padding-top:14px;display:grid;gap:8px}
.row{display:flex;justify-content:space-between;gap:16px;font-size:14px}
.row span:first-child{color:#b9c0d0}
.callout{margin-top:16px;background:#242b3b;border-radius:13px;padding:13px 14px;font-size:14px;color:#e6eaf2}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.kpi{font-size:34px;font-weight:950;letter-spacing:-.04em}
.tag{display:inline-block;border:1px solid var(--line);padding:5px 9px;border-radius:999px;font-size:13px;font-weight:800;background:#fff}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:16px;background:#fff}
table{width:100%;border-collapse:collapse;min-width:650px}
th,td{padding:15px 16px;border-bottom:1px solid var(--line);text-align:left}
th{background:#f3f5f8;font-size:14px}
td{font-size:15px}
tr:last-child td{border-bottom:0}
.link-card{display:block;text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px;transition:.15s}
.link-card:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.link-card p{margin:5px 0 0;color:var(--muted);font-size:14px}
.article{max-width:820px}
.article p{margin:0 0 18px}
.article ul{padding-left:22px}
.article li{margin:7px 0}
.breadcrumb{font-size:14px;color:#697080;padding-top:24px}
.breadcrumb a{color:#4b5563;text-decoration:none}
.faq{display:grid;gap:10px}
details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 16px}
summary{font-weight:850;cursor:pointer}
details p{color:#4a5160;margin:10px 0 2px}
.source-box{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px;font-size:14px;color:#4f5666}
.source-box a{color:#244ec9;font-weight:700}
.footer{margin-top:44px;border-top:1px solid var(--line);padding:28px 0 40px;color:#606776;font-size:14px}
.footer-grid{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
.small{font-size:13px}
.hidden{display:none!important}
.warn{color:#8a4d00;background:#fff8e8;border:1px solid #f0d59a;border-radius:14px;padding:13px 15px;font-size:14px}
.good{color:#14532d;background:#f0fdf4;border:1px solid #b7e5c5;border-radius:14px;padding:13px 15px;font-size:14px}
@media(max-width:820px){
  body{font-size:16px}
  .nav{height:62px}.nav-links{display:none}
  .hero{padding:34px 0 18px}
  .hero-grid,.calc-shell{grid-template-columns:1fr}
  .grid-3,.grid-2{grid-template-columns:1fr}
  .field-grid{grid-template-columns:1fr}
  .field.full{grid-column:auto}
  .hero-side strong{font-size:30px}
  .card{padding:18px}
  .result{min-height:0}
}