:root{
  --navy:#1a2b4a; --accent:#e8632c; --bg:#f7f8fa; --card:#ffffff;
  --text:#222; --muted:#6b7280; --line:#e5e7eb; --green:#1a7f4b;
}
*{box-sizing:border-box}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Apple SD Gothic Neo","Noto Sans KR","Malgun Gothic",sans-serif;color:var(--text);background:var(--bg);line-height:1.65}
a{color:var(--navy)}
.wrap{max-width:960px;margin:0 auto;padding:0 16px}
header.site{background:var(--navy);color:#fff}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;padding:14px 16px}
.logo{font-size:20px;font-weight:800;color:#fff;text-decoration:none}
.logo span{color:var(--accent)}
nav.main a{color:#dbe3f0;text-decoration:none;margin-left:18px;font-size:15px}
nav.main a:hover{color:#fff}
.hero{background:linear-gradient(135deg,#1a2b4a,#2c4a7c);color:#fff;padding:44px 0;text-align:center}
.hero h1{margin:0 0 10px;font-size:30px}
.hero p{margin:0;color:#c9d6ea}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:14px;margin:28px 0}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:18px;text-decoration:none;color:var(--text);display:block}
.card:hover{border-color:var(--accent);box-shadow:0 4px 14px rgba(0,0,0,.06)}
.card .ico{font-size:28px}
.card h3{margin:8px 0 6px;font-size:17px}
.card p{margin:0;font-size:14px;color:var(--muted)}
.calc-box{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:22px;margin:24px 0}
.field{margin-bottom:14px}
.field label{display:block;font-weight:700;margin-bottom:6px;font-size:15px}
.field input,.field select{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:8px;font-size:16px}
.field .hint{font-size:13px;color:var(--muted);margin-top:4px}
button.calc{background:var(--accent);color:#fff;border:0;border-radius:8px;padding:13px 26px;font-size:17px;font-weight:700;cursor:pointer;width:100%}
button.calc:hover{filter:brightness(.95)}
.result{background:#f0f7f2;border:1px solid #cfe6d8;border-radius:12px;padding:20px;margin:20px 0;display:none}
.result.show{display:block}
.result h3{margin:0 0 12px;color:var(--green)}
.rrow{display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px dashed var(--line);font-size:15px}
.rrow:last-child{border-bottom:0}
.rrow.total{font-weight:800;font-size:18px;color:var(--navy)}
.rrow .neg{color:#c0392b}
.guide{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:22px;margin:24px 0}
.guide h2{font-size:19px;margin:0 0 10px}
.faq{margin:24px 0}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:8px;margin-bottom:8px;padding:12px 16px}
.faq summary{font-weight:700;cursor:pointer}
footer.site{background:var(--navy);color:#9fb0cc;margin-top:48px;padding:28px 0;font-size:14px}
footer.site a{color:#c9d6ea;text-decoration:none;margin-right:14px}
.disclaimer{font-size:13px;color:var(--muted);background:#fff;border:1px solid var(--line);border-radius:8px;padding:12px 16px;margin:20px 0}
table.data{width:100%;border-collapse:collapse;font-size:14px;margin:12px 0}
table.data th,table.data td{border:1px solid var(--line);padding:8px 10px;text-align:right}
table.data th{background:#eef1f6;text-align:center}
table.data td:first-child,table.data th:first-child{text-align:center}
.breadcrumb{font-size:13px;color:var(--muted);margin:18px 0 0}
.breadcrumb a{color:var(--muted)}
h1.page{font-size:26px;margin:14px 0 6px}
.sub{color:var(--muted);margin:0 0 6px}
@media(max-width:640px){.hero h1{font-size:24px}nav.main a{margin-left:12px;font-size:14px}}