:root{--ink:#202329;--muted:#60656d;--green:#242b33;--soft-green:#f1f2f3;--paper:#fff;--white:#fff;--line:#dedfe2;--gold:#985021;--error:#a73029;--radius:6px;--shadow:none;font-family:-apple-system,BlinkMacSystemFont,"Apple SD Gothic Neo","Noto Sans KR","Malgun Gothic",sans-serif;color:var(--ink);background:var(--paper);font-synthesis:none;color-scheme:light}
*{box-sizing:border-box}body{margin:0;line-height:1.65;font-size:16px}button,input,select{font:inherit;color:inherit}button,a,input,select,summary{-webkit-tap-highlight-color:transparent}a{color:inherit}button,a,summary{touch-action:manipulation}button{cursor:pointer}button:disabled{opacity:.6;cursor:default}[hidden]{display:none!important}button:focus-visible,a:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid var(--gold);outline-offset:3px}input,select{min-width:0;width:100%;height:48px;background:var(--white);border:1px solid #bcc8bf;border-radius:9px;padding:0 12px;font-size:16px}input[type=checkbox]{width:18px;height:18px;margin:0;accent-color:var(--green);flex-shrink:0}input::placeholder{color:#748079}input:focus,select:focus{border-color:var(--green)}label{display:block;font-size:14px;font-weight:600;min-width:0}label>input,label>select,label>.money-input{margin-top:7px}h1,h2,h3,p{margin:0}h1{font-size:44px;font-weight:700;letter-spacing:-1.8px;line-height:1.33}h1 span{font-weight:500}h2{font-size:21px;letter-spacing:-.5px;line-height:1.45}h3{font-size:16px}p,a,summary,label{overflow-wrap:anywhere}svg{flex-shrink:0}.wrap{width:min(1160px,calc(100% - 64px));margin:auto}.site-header{display:flex;justify-content:space-between;align-items:center;min-height:100px;border-bottom:1px solid var(--line)}.brand{display:flex;gap:12px;align-items:center;text-decoration:none;font-size:19px;font-weight:700;letter-spacing:-.6px}.brand small{display:block;font-size:11px;letter-spacing:.1px;color:var(--muted);font-weight:400}.header-link{font-size:14px;text-decoration:none;min-height:44px;display:flex;align-items:center;gap:12px}
.hero{padding:58px 0 42px;display:grid;grid-template-columns:1.3fr 1fr;align-items:center;gap:48px}.eyebrow{font-size:12px;letter-spacing:1.4px;font-weight:700;color:var(--muted);margin-bottom:13px}.hero-copy{margin-top:20px;color:var(--muted);font-size:15px;line-height:1.9}.trust{display:flex;gap:18px;flex-wrap:wrap;margin-top:24px;font-size:11px;color:var(--muted)}.trust span{display:flex;gap:6px;align-items:center}.trust span:before{content:"";width:4px;height:4px;border-radius:50%;background:var(--green)}.card-intro{display:flex;align-items:center;gap:28px}.card-intro h2{font-size:20px}.card-intro p:not(.eyebrow){font-size:12px;color:var(--muted);margin-top:8px}
.toolbar{border-top:1px solid var(--line);padding:25px 0;display:flex;align-items:center;justify-content:space-between;gap:20px;scroll-margin-top:24px}.toolbar p{font-size:15px}.toolbar p span{margin-left:12px;font-size:13px;color:var(--muted)}.actions{display:flex;gap:9px;align-items:center;flex-wrap:wrap}.button{border:1px solid transparent;border-radius:9px;min-height:44px;padding:9px 16px;font-size:14px;font-weight:600;display:inline-flex;justify-content:center;align-items:center;gap:10px;transition:background .18s,border-color .18s}.primary{background:var(--green);color:var(--white)}.primary:hover{background:#12392f}.secondary{color:var(--green);background:var(--soft-green);border-color:#d4e3d8}.secondary:hover{background:#d7e5dc}.ghost{border-color:var(--line);background:transparent}.ghost:hover{background:#e7ebe1}.full{width:100%;margin-top:20px}.calculator-grid{display:grid;grid-template-columns:minmax(0,1fr) 360px;align-items:start;gap:24px}.inputs-column{display:grid;gap:22px;min-width:0}.panel{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow);min-width:0}.section-heading{display:flex;align-items:flex-start;gap:12px;margin-bottom:24px}.section-heading h2{font-size:19px}.section-heading p{font-size:13px;color:var(--muted);margin-top:4px}.step{font-size:11px;background:var(--soft-green);color:var(--green);border-radius:6px;padding:6px 8px;line-height:1.5;font-weight:700;margin-top:2px}.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px 16px}.money-input{display:flex;align-items:center;background:var(--white);border:1px solid #bcc8bf;border-radius:9px;padding-right:13px;gap:5px}.money-input input{border:0;box-shadow:none;background:transparent;margin:0;font-variant-numeric:tabular-nums}.money-input:focus-within{border-color:var(--green)}.money-input>span{font-size:13px;font-weight:400;color:var(--muted)}.hint{font-size:12px;color:var(--muted);line-height:1.8;margin-top:14px}.extra-settings{margin-top:19px;border-top:1px solid var(--line)}summary{cursor:pointer;font-size:13px;font-weight:600;padding:16px 2px;min-height:48px}summary:hover{color:var(--green)}.settings-content{padding:3px 0 7px}.settings-content>.form-grid{margin-top:14px}.check{display:flex;align-items:center;gap:8px;font-size:13px;font-weight:400;min-height:44px}.checks{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));column-gap:12px}.tabs{display:flex;background:var(--paper);padding:4px;border-radius:10px;margin-bottom:20px;gap:4px}.tabs button{flex:1;border:1px solid transparent;background:transparent;border-radius:7px;padding:10px;min-height:46px;font-size:14px;font-weight:600;color:var(--muted)}.tabs button[aria-pressed=true]{background:var(--white);border-color:var(--line);color:var(--green);box-shadow:0 2px 4px #00000006}.mode-note{font-size:13px;color:var(--muted);background:#f7f8f4;border-radius:8px;padding:12px 14px;margin-bottom:22px}.quick-row{padding:14px 0;border-bottom:1px solid #edf0e9;display:grid;grid-template-columns:minmax(0,1fr) 160px;gap:14px;align-items:center}.quick-row:last-child{border:0}.quick-row label{font-size:14px}.quick-row small{display:block;font-size:11px;color:var(--muted);font-weight:400}.quick-row select{height:38px;max-width:160px;font-size:12px;margin-top:7px}.quick-row .money-input{margin:0}.form-actions{margin-top:20px}.error{font-size:13px;color:var(--error);background:#fff0ed;border:1px solid #efc7c0;padding:12px;border-radius:9px;margin-top:16px}.list-heading{display:flex;align-items:baseline;justify-content:space-between;flex-wrap:wrap;gap:8px;margin-top:26px;margin-bottom:13px}.list-heading h3 span{font-size:12px;font-weight:400;color:var(--muted);margin-left:6px}.transaction{display:flex;gap:12px;justify-content:space-between;padding:15px 0;border-top:1px solid var(--line);align-items:center}.transaction .tx-main{min-width:0;flex:1}.transaction .tx-title{font-size:14px;font-weight:600}.transaction .tx-sub{font-size:11px;color:var(--muted);margin-top:3px}.transaction .tx-amount{font-size:14px;font-variant-numeric:tabular-nums}.transaction .tx-buttons{display:flex;gap:4px}.transaction .tx-buttons button{font-size:12px;background:none;border:1px solid var(--line);border-radius:6px;min-height:44px;min-width:44px;padding:5px 8px}.transaction .tx-buttons button:hover{background:var(--paper)}.empty{font-size:13px;padding:24px 10px;text-align:center;color:var(--muted);background:var(--paper);border-radius:9px}
.results-column{position:sticky;top:24px;min-width:0}.result-card{background:var(--green);color:#fff;border-radius:var(--radius);padding:28px;box-shadow:0 16px 40px #1e493e13}.result-top{display:flex;align-items:center;justify-content:space-between;gap:8px;font-size:12px;color:#e2eadf}.result-label{font-size:10px;border:1px solid #719487;border-radius:20px;padding:4px 8px;white-space:nowrap}.result-caption{margin-top:25px;font-size:14px;color:#e2eadf}.discount{display:block;font-size:39px;letter-spacing:-1.4px;font-weight:650;line-height:1.3;margin:6px 0 12px;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}.discount.range{font-size:27px;letter-spacing:-.8px}.result-help{font-size:12px;line-height:1.8;color:#dae6dc}.result-divider{height:1px;background:#789c895c;margin:24px 0}.metric{display:flex;justify-content:space-between;gap:14px;align-items:baseline;font-size:12px;margin:14px 0}.metric strong{font-size:15px;font-weight:500;text-align:right;font-variant-numeric:tabular-nums}.metric .warning-text{color:#f6d596}.metric .secondary-note{font-size:11px;font-weight:400}.group-list{margin-top:22px;background:#173e35;border-radius:11px;padding:15px}.group{margin-bottom:12px}.group:last-child{margin:0}.group p{display:flex;justify-content:space-between;font-size:11px;gap:6px;margin-bottom:5px}.group p span:last-child{font-variant-numeric:tabular-nums}.bar{height:4px;background:#517367;border-radius:5px;overflow:hidden}.bar>span{height:100%;display:block;background:#d9cd9b;width:0}.result-link{font-size:12px;margin-top:24px;text-decoration:none;display:flex;justify-content:space-between;align-items:center;min-height:32px;color:#e2eadf}.privacy-note{display:block;color:var(--muted);font-size:11px;text-align:center;line-height:1.85;margin:18px 0}.privacy-note svg{vertical-align:middle;margin-right:5px}.mini{font-size:11px;color:var(--muted)}.explanation{margin-top:24px;scroll-margin-top:24px}.explanation-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.detail-tile{border:1px solid var(--line);border-radius:12px;padding:20px}.detail-tile h3{margin-bottom:8px}.detail-tile p{font-size:13px;color:var(--muted);margin-top:8px}.detail-tile .big-small{font-size:25px;letter-spacing:-.5px;color:var(--green);font-weight:650}.detail-tile .net-note{font-size:12px;color:var(--muted)}.warning-box{margin-top:20px;background:#f8f6ee;border-radius:10px;padding:14px 18px;color:#6c552f;font-size:12px}.warning-box p+p{margin-top:8px}.row-reasons{margin-top:25px}.row-reasons h3{margin-bottom:10px}.row-reasons details{border-top:1px solid var(--line)}.row-reasons summary{display:flex;justify-content:space-between;gap:12px;font-size:13px;list-style:none}.row-reasons summary:after{content:"+";margin-left:auto;color:var(--muted)}.row-reasons details[open] summary:after{content:"−"}.row-reasons .row-money{white-space:nowrap;color:var(--green);font-variant-numeric:tabular-nums}.row-reasons p{font-size:12px;color:var(--muted);padding:0 2px 14px}.annual-months{font-size:12px;margin-top:18px}.annual-table-wrap{overflow-x:auto}.annual-months table{width:100%;border-collapse:collapse;min-width:330px;font-size:12px;text-align:right}.annual-months th,.annual-months td{padding:10px 6px;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums}.annual-months th:first-child,.annual-months td:first-child{text-align:left}
.reading{display:grid;grid-template-columns:1fr 1.5fr;gap:64px;margin:64px 0}.reading h2{font-size:29px;letter-spacing:-1px;line-height:1.4;margin-bottom:18px}.reading>div>p:not(.eyebrow){font-size:13px;color:var(--muted);line-height:1.9}.text-link{display:inline-block;font-size:13px;margin-top:18px;text-underline-offset:5px;min-height:44px}.faq details{border-top:1px solid var(--line)}.faq details:last-child{border-bottom:1px solid var(--line)}.faq summary{padding:19px 2px;font-size:14px}.faq p{font-size:13px;color:var(--muted);padding:0 2px 19px}.source-links{display:flex;flex-direction:column;gap:2px}.source-links a{font-size:12px;min-height:44px;display:flex;align-items:center;text-underline-offset:4px}footer{display:flex;justify-content:space-between;gap:32px;border-top:1px solid var(--line);padding:32px 0 42px}footer strong{font-size:15px}footer p{font-size:11px;color:var(--muted);margin-top:8px}.skip,.sr-only{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.skip:focus{left:12px;top:12px;width:auto;height:auto;background:#fff;z-index:10;padding:10px}
@media(max-width:1050px){.hero{gap:24px}.card-intro{gap:16px}.card-intro h2{font-size:16px}.calculator-grid{grid-template-columns:minmax(0,1fr) 320px;gap:20px}.panel,.result-card{padding:24px}.discount{font-size:34px}.hero h1{font-size:36px}.trust{gap:12px}.toolbar p span{display:block;margin:4px 0 0}}
@media(max-width:820px){.wrap{width:calc(100% - 40px)}.hero{grid-template-columns:1fr;padding:38px 0 30px;gap:30px}.hero h1{font-size:36px}.card-intro{gap:24px;background:#e9ede2;border:1px solid #d9dfd0;border-radius:15px;padding:22px 26px;max-width:100%}.card-intro h2{font-size:19px}.card-intro .eyebrow{margin-bottom:5px}.calculator-grid{grid-template-columns:1fr}.results-column{position:static}.result-card{padding:27px}.discount{font-size:40px}.discount.range{font-size:32px}.result-metrics{display:grid;grid-template-columns:1fr 1fr;gap:0 24px}.reading{gap:32px;grid-template-columns:1fr 1.3fr;margin:44px 0}.explanation-grid{gap:16px}}
@media(max-width:520px){body{font-size:16px}.wrap{width:calc(100% - 32px)}.site-header{min-height:82px}.brand{gap:9px;font-size:17px}.brand small{font-size:9px}.header-link{font-size:12px;gap:5px}.hero{padding:29px 0 24px;gap:26px}.hero h1{font-size:31px;letter-spacing:-1.15px}.hero-copy{font-size:13px;margin-top:16px}.trust{gap:9px 14px;font-size:10px;margin-top:19px}.card-intro{padding:18px 21px;gap:25px}.card-intro h2{font-size:18px}.card-intro p:not(.eyebrow){font-size:11px}.eyebrow{font-size:11px}.toolbar{display:block;padding:20px 0}.toolbar p{font-size:14px}.toolbar p span{display:inline;margin-left:8px;font-size:12px}.toolbar .actions{margin-top:14px}.toolbar .primary{flex:1}.calculator-grid{gap:18px}.panel{padding:21px 18px;border-radius:16px}.section-heading{gap:10px;margin-bottom:20px}.section-heading h2{font-size:18px}.section-heading p{font-size:12px}.form-grid{gap:16px 12px;grid-template-columns:1fr}.form-grid label{font-size:13px}.quick-row{grid-template-columns:minmax(0,1fr) 130px;gap:10px}.quick-row label{font-size:13px}.quick-row small{font-size:10px}.quick-row .money-input input{padding-left:10px}.extra-settings summary{font-size:12px}.checks{grid-template-columns:1fr}.transaction{flex-wrap:wrap;gap:9px}.transaction .tx-main{flex-basis:calc(100% - 100px)}.transaction .tx-amount{font-size:13px;min-width:80px;text-align:right}.transaction .tx-buttons{margin-left:auto}.list-heading .mini{font-size:10px}.result-card{padding:24px;border-radius:16px}.discount{font-size:40px}.discount.range{font-size:29px}.explanation{margin-top:18px}.explanation-grid{grid-template-columns:1fr;gap:14px}.detail-tile{padding:17px}.warning-box{padding:14px;font-size:12px}.row-reasons summary{font-size:12px;gap:8px}.reading{grid-template-columns:1fr;gap:28px;margin:38px 0}.reading h2{font-size:25px}.faq summary{font-size:13px}footer{display:block;padding:24px 0 32px}footer .source-links{margin-top:12px;flex-direction:row;gap:20px}.desktop-only{display:none}}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{animation:none!important;transition:none!important;scroll-behavior:auto!important}}
.official-card{display:block;width:200px;height:auto;flex-shrink:0;transform:rotate(-7deg);border-radius:12px;box-shadow:8px 14px 24px #23373018}.card-intro>div{min-width:0}
@media(max-width:1050px){.official-card{width:150px}}
@media(max-width:820px){.official-card{width:126px}}
@media(max-width:520px){.official-card{width:106px;border-radius:7px}.card-intro{gap:20px;padding:22px 17px}}
@media(max-width:520px){.annual-table-wrap{overflow:visible}.annual-months table{min-width:0}.annual-months thead{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.annual-months table,.annual-months tbody,.annual-months tr,.annual-months td,.annual-months th{display:block}.annual-months tr{padding:12px 0;border-bottom:1px solid var(--line)}.annual-months th{border:0;padding:0 0 6px;text-align:left;font-size:14px;color:var(--green)}.annual-months td{border:0;padding:4px 0;font-size:13px;display:flex;align-items:center;justify-content:space-between;gap:16px}.annual-months td:before{content:attr(data-label);color:var(--muted)}}