:root{
  --bg:#F6F4EE; --surface:#FFFFFF; --soft:#FBFAF6; --line:#E2DED3; --line2:#EFECE3;
  --ink:#1B2430; --ink2:#3A4250; --muted:#5A6270;
  --accent:#1F6E4A; --accent-ink:#1A5C3E; --accent-soft:#E4F0E8;
  --panel:#1B2430; --panel-line:#333F50; --panel-ink:#FFFFFF; --panel-muted:#C3C9D2; --money:#8FE0B4;
  --gold:#C9A24B; --slate:#8A93A0; --ad:#F1EEE6; --ad-line:#B8B2A3; --ad-ink:#6B6558;
  box-sizing:border-box; padding-top:env(safe-area-inset-top,0px); padding-bottom:env(safe-area-inset-bottom,0px);
}
@media (prefers-color-scheme: dark){ :root:not([data-theme="light"]){
  --bg:#12161C; --surface:#1A2029; --soft:#161B23; --line:#2B333F; --line2:#232A35;
  --ink:#ECEEF1; --ink2:#C9CED6; --muted:#9AA3AF;
  --accent:#3FA676; --accent-ink:#8FE0B4; --accent-soft:#1D3328;
  --panel:#0D1116; --panel-line:#27303C; --panel-ink:#FFFFFF; --panel-muted:#AEB6C1; --money:#8FE0B4;
  --ad:#1E242D; --ad-line:#434C59; --ad-ink:#9AA3AF;
}}
:root[data-theme="dark"]{
  --bg:#12161C; --surface:#1A2029; --soft:#161B23; --line:#2B333F; --line2:#232A35;
  --ink:#ECEEF1; --ink2:#C9CED6; --muted:#9AA3AF;
  --accent:#3FA676; --accent-ink:#8FE0B4; --accent-soft:#1D3328;
  --panel:#0D1116; --panel-line:#27303C; --panel-ink:#FFFFFF; --panel-muted:#AEB6C1; --money:#8FE0B4;
  --ad:#1E242D; --ad-line:#434C59; --ad-ink:#9AA3AF;
}
html{scroll-padding-top:env(safe-area-inset-top,0px)}
*,*::before,*::after{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--ink);font-family:'IBM Plex Sans KR','Apple SD Gothic Neo','Malgun Gothic',system-ui,sans-serif;line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
button,input{font:inherit;color:inherit}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:6px}
.num{font-family:'IBM Plex Mono',ui-monospace,Menlo,monospace;font-variant-numeric:tabular-nums}
.serif{font-family:'Gowun Batang','Nanum Myeongjo',Georgia,serif}

header.top{position:sticky;top:0;z-index:10;background:var(--soft);border-bottom:1px solid var(--line)}
.top-in{max-width:1240px;margin:0 auto;height:64px;padding:0 20px;display:flex;align-items:center;gap:40px}
.logo{display:flex;align-items:center;gap:10px;font-size:22px;font-weight:700}
.logo svg rect{fill:var(--accent)}
nav.cats{display:flex;gap:28px;font-size:15px;font-weight:500;overflow-x:auto}
nav.cats a{white-space:nowrap;color:var(--ink2)}
nav.cats a[aria-current]{color:var(--accent-ink);font-weight:700}

.wrap{max-width:1240px;margin:0 auto;padding:32px 20px 72px;display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:40px;align-items:start}
main{display:flex;flex-direction:column;gap:48px;min-width:0}
.crumb{font-size:14px;color:var(--muted)}
h1{margin:6px 0 10px;font-size:clamp(30px,4.2vw,44px);line-height:1.2;letter-spacing:-1px}
.lede{margin:0;font-size:17px;color:var(--muted);max-width:640px}
h2{margin:0 0 14px;font-size:24px;letter-spacing:-.4px;line-height:1.3}

.calc{display:grid;grid-template-columns:minmax(0,420px) minmax(0,1fr);gap:20px}
.card{background:var(--surface);border:1px solid var(--line);border-radius:20px;padding:26px}
.field{display:flex;flex-direction:column;gap:8px;margin-bottom:20px}
.field:last-child{margin-bottom:0}
.field > label, .field > .lab{font-size:14px;font-weight:600}
.hint{font-size:13px;color:var(--muted)}
.money-in{display:flex;align-items:center;gap:8px;height:56px;border:1.5px solid var(--ink);border-radius:12px;padding:0 16px;background:var(--surface)}
.money-in:focus-within{outline:3px solid var(--accent);outline-offset:1px}
.money-in input{flex:1;min-width:0;border:0;outline:0;background:transparent;font-size:22px;font-weight:600}
.money-in.sm{height:48px;border-width:1px;border-color:var(--line)}
.money-in.sm input{font-size:16px;font-weight:500}
.money-in span{color:var(--muted);font-size:15px}
.quick{display:flex;gap:6px}
.quick button{flex:1;height:38px;border:1px solid var(--line);background:var(--soft);border-radius:8px;font-size:13px;cursor:pointer}
.quick button:hover{border-color:var(--ink2)}
.seg{display:flex;border:1px solid var(--line);border-radius:10px;padding:3px;background:var(--soft)}
.seg button{flex:1;height:40px;border:0;background:transparent;border-radius:8px;font-size:14px;cursor:pointer;color:var(--muted)}
.seg button[aria-pressed="true"]{background:var(--surface);color:var(--ink);font-weight:600;box-shadow:0 1px 3px rgba(0,0,0,.12)}
.two{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:12px}
.step output{white-space:nowrap}
.money-in input{width:100%}
.step{display:flex;align-items:center;height:48px;border:1px solid var(--line);border-radius:12px;overflow:hidden;background:var(--surface)}
.step button{width:46px;height:100%;border:0;background:var(--soft);font-size:20px;cursor:pointer}
.step button:disabled{opacity:.35;cursor:default}
.step output{flex:1;text-align:center;font-size:16px;font-weight:600}

.result{background:var(--panel);color:var(--panel-ink);border-radius:20px;padding:26px 28px;display:flex;flex-direction:column;gap:12px}
.result .row1{display:flex;justify-content:space-between;align-items:center;gap:12px}
.result .lbl{font-size:15px;color:var(--panel-muted)}
.result .big{font-size:clamp(38px,5vw,52px);font-weight:600;letter-spacing:-1.5px;color:var(--money);line-height:1.1}
.result .sub{font-size:14px;color:var(--panel-muted)}
.bar{height:10px;border-radius:99px;background:#2A3442;display:flex;overflow:hidden;margin-top:6px}
.bar i{display:block;height:100%;transition:width .35s ease}
.legend{display:flex;gap:16px;font-size:13px;color:var(--panel-muted);flex-wrap:wrap}
.legend span::before{content:"";display:inline-block;width:9px;height:9px;border-radius:3px;margin-right:6px;background:var(--c)}
.ded{display:flex;flex-direction:column;margin-top:4px}
.ded div{display:flex;justify-content:space-between;padding:10px 0;border-top:1px solid var(--panel-line);font-size:15px}
.ded div span:first-child{color:#D5D9DF}
.ded div.total{font-weight:600}
.ghost{height:38px;padding:0 14px;border:1px solid #4A5566;background:transparent;color:#fff;border-radius:8px;font-size:13px;cursor:pointer;display:flex;align-items:center;gap:6px;white-space:nowrap}
.ghost:hover{border-color:#8A93A0}

.ad{border:2px dashed var(--ad-line);border-radius:12px;background:var(--ad);color:var(--ad-ink);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:2px;font-size:13px;text-align:center;padding:12px}
.ad b{font-size:14px}
.ad.wide{min-height:110px}
.ad.tall{min-height:600px}

.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:16px;background:var(--surface)}
table{width:100%;border-collapse:collapse;min-width:520px;font-size:15px}
th{background:var(--line2);text-align:right;font-weight:600;font-size:14px;padding:12px 20px}
th:first-child,td:first-child{text-align:left}
td{padding:11px 20px;border-top:1px solid var(--line2);text-align:right}
td button{border:0;background:none;padding:0;color:var(--accent-ink);font-weight:600;text-decoration:underline;text-underline-offset:3px;cursor:pointer}
tr.cur td{background:var(--accent-soft)}
.prose p{margin:0 0 14px;font-size:16px;color:var(--ink2);line-height:1.8;max-width:72ch}
.rates{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;background:var(--line);border:1px solid var(--line);border-radius:14px;overflow:hidden;margin-top:6px}
.rates div{background:var(--surface);padding:16px 18px;display:flex;flex-direction:column;gap:2px}
.rates b{font-size:20px}
.rates span{font-size:13px;color:var(--muted)}
.src{font-size:13px;color:var(--muted);margin-top:10px}
details{background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin-bottom:10px}
summary{font-weight:600;cursor:pointer;font-size:16px}
details p{margin:10px 0 0;color:var(--ink2);font-size:15px;line-height:1.75}
.rel{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}
.rel a{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:16px 18px;font-weight:600;font-size:15px;display:flex;justify-content:space-between;align-items:center;gap:8px}
.rel a:hover{border-color:var(--ink2)}
.cp{background:var(--surface);border:1px solid var(--line);border-radius:20px;padding:24px}
.cp-head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;flex-wrap:wrap;margin-bottom:14px}
.cp-head h2{margin:0}
.tag{font-size:12px;font-weight:600;color:#8A5A12;background:#FBF1DC;padding:4px 10px;border-radius:6px}
.cp-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}
.cp-grid div{display:flex;flex-direction:column;gap:6px;font-size:14px}
.cp-grid i{aspect-ratio:1;background:var(--line2);border-radius:12px;display:flex;align-items:center;justify-content:center;font-style:normal;color:var(--ad-ink);font-size:13px}
.disc{margin:16px 0 0;padding-top:12px;border-top:1px solid var(--line2);font-size:13px;color:var(--muted)}
.adv{margin:4px 0 0;padding:0;border:0;background:transparent;border-top:1px solid var(--line2);border-radius:0}
.adv summary{list-style:none;display:flex;justify-content:space-between;align-items:center;gap:12px;padding:16px 0 4px;font-size:15px;font-weight:600;min-height:44px}
.adv summary::-webkit-details-marker{display:none}
.adv summary::after{content:"";width:8px;height:8px;border-right:2px solid var(--muted);border-bottom:2px solid var(--muted);transform:rotate(45deg);margin:-4px 4px 0 0;flex-shrink:0;transition:transform .2s}
.adv[open] summary::after{transform:rotate(-135deg);margin-top:4px}
.adv-state{margin-left:auto;font-size:13px;font-weight:500;color:var(--muted)}
.adv-state.changed{color:var(--accent-ink);font-weight:600}
.adv-body{padding-top:14px}
.adv-body .field{margin-bottom:16px}
aside{display:flex;flex-direction:column;gap:24px;position:sticky;top:88px}
.side{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:20px}
.side b{display:block;margin-bottom:6px}
.side a{display:block;padding:9px 0;border-top:1px solid var(--line2);font-size:15px;color:var(--ink2)}
footer.site{background:#1B2430;color:#AEB5BF;font-size:14px;line-height:1.75}
footer.site .in{max-width:1240px;margin:0 auto;padding:36px 20px;display:flex;flex-direction:column;gap:14px}
footer.site nav{display:flex;gap:20px;flex-wrap:wrap}
footer.site nav a{color:#E3E6EA}
footer.site p{margin:0}
.toast{position:fixed;left:50%;bottom:calc(24px + env(safe-area-inset-bottom,0px));transform:translate(-50%,20px);background:var(--ink);color:var(--bg);padding:10px 18px;border-radius:10px;font-size:14px;opacity:0;pointer-events:none;transition:.25s}
.toast.on{opacity:1;transform:translate(-50%,0)}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

@media (max-width:1060px){ .wrap{grid-template-columns:minmax(0,1fr)} aside{display:none} }
@media (max-width:820px){ .calc{grid-template-columns:minmax(0,1fr)} .rel,.cp-grid,.rates{grid-template-columns:repeat(2,minmax(0,1fr))} nav.cats{gap:18px;font-size:14px} .top-in{gap:20px} }
@media (prefers-reduced-motion:reduce){ .bar i,.toast{transition:none} }
.lab-b{display:block;font-size:14px;font-weight:600;margin-bottom:8px}
.date-in input{font-size:16px;font-family:inherit;color-scheme:light dark}
.warn{margin:0;padding:10px 14px;border-radius:10px;background:#3A2A12;color:#F6D9A6;font-size:14px}
.warn[hidden]{display:none}
.chk{display:flex;align-items:center;gap:10px;font-size:15px;min-height:44px;cursor:pointer}
.chk input{width:20px;height:20px;accent-color:var(--accent)}
select.sel{height:48px;border:1px solid var(--line);border-radius:12px;padding:0 12px;font:inherit;font-size:16px;background:var(--surface);color:var(--ink);width:100%}
td a{color:var(--accent-ink);font-weight:600;text-decoration:underline;text-underline-offset:3px}
.sal-links{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:8px}
.sal-links a{display:block;text-align:center;padding:10px 4px;background:var(--surface);border:1px solid var(--line);border-radius:10px;font-size:14px;white-space:nowrap}
.sal-links a:hover{border-color:var(--ink2);color:var(--accent-ink)}
.lede b{color:var(--ink)}
.prose p{max-width:72ch}
@media (max-width:820px){.sal-links{grid-template-columns:repeat(3,minmax(0,1fr))}}
.ad-slot:empty{display:none}
.ad-slot{min-height:0}