:root{color-scheme:light;
  --navy:#0B1F3F;--paper:#fff;--ink:#2F343B;--head:#14233D;--muted:#5F6875;--line:#E1E5EC;--soft:#F3F5F9;
  --btn:#12305C;--gold:#B8862B;--gold-l:#C9A04A;--gold-soft:#FBF4E6;
  --f:"Pretendard Variable",Pretendard,-apple-system,"Apple SD Gothic Neo","Malgun Gothic",sans-serif}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:#0B1F3F linear-gradient(180deg,#0F2A52 0,#0C2347 600px,#0A1E3E 100%) fixed;color:var(--ink);font:16px/1.75 var(--f);-webkit-font-smoothing:antialiased;word-break:keep-all;overflow-wrap:anywhere}
a{color:var(--btn)}
.brandbar{background:#081833;border-bottom:1px solid rgba(255,255,255,.08)}
.brandbar .in{max-width:900px;margin:0 auto;padding:12px 16px;display:flex;align-items:center;justify-content:space-between;gap:12px}
.logo{display:flex;align-items:center;gap:10px;font-weight:700;font-size:16px;color:#fff;text-decoration:none;white-space:nowrap}
.logo i{width:26px;height:26px;border-radius:6px;background:var(--gold);display:grid;place-items:center;font-style:normal;font-size:14px;color:#0B1F3F;font-weight:800}
.brandbar .meta{font-size:12.5px;white-space:nowrap}.brandbar .meta a{color:#DCE4F2;text-decoration:none;margin-left:10px}
@media(max-width:520px){.brandbar .meta{display:none}}
.wrap{max-width:900px;margin:0 auto;padding:0 16px 56px}
.crumb{font-size:13px;color:#9FB0CF;padding:14px 0 0}
.crumb a{color:#C9D5EE;text-decoration:none}.crumb a:hover{color:var(--gold-l)}
.crumb span{color:#E3E9F5}
header.top{padding:14px 0 20px;color:#fff}
.kicker{margin:0 0 6px;font-size:13px;font-weight:700;color:var(--gold-l);letter-spacing:.02em}
h1{margin:0;font-weight:800;font-size:clamp(24px,5vw,33px);letter-spacing:-.025em;line-height:1.32;text-wrap:balance}
h1 b{color:var(--gold-l)}
header.top p.lead{margin:10px 0 0;color:#C9D5EE;max-width:700px}
.card{background:var(--paper);border-radius:14px;padding:22px 22px;margin:0 0 14px}
h2{font-size:20px;margin:0 0 12px;letter-spacing:-.015em;color:var(--head);line-height:1.4;scroll-margin-top:12px}
h2 small{font-size:13px;color:var(--muted);font-weight:500;margin-left:6px}
h3{font-size:16.5px;margin:20px 0 6px;color:var(--head)}
p{margin:0 0 10px}
.card ul,.card ol{padding-left:20px;margin:6px 0 10px}.card li{margin:3px 0}
.btn{font:inherit;font-weight:700;font-size:16px;padding:12px 22px;border-radius:10px;border:0;background:var(--btn);color:#fff;cursor:pointer;min-height:48px;text-decoration:none;display:inline-flex;align-items:center;justify-content:center;gap:8px;text-align:center}
.btn:hover{background:#0D2647}
.btn.big{font-size:17px;padding:14px 24px;width:100%;box-shadow:0 4px 0 #0A1E3E}
.btn.ghost{background:#fff;color:var(--btn);border:1.5px solid var(--btn)}
.cta{border:2px solid var(--gold-l)}
.sum{background:var(--gold-soft);border-radius:12px;padding:14px 16px;margin:0 0 16px}
.sum h2{font-size:16px;margin:0 0 8px;color:#7A5714}
.sum ul{margin:0;padding-left:18px}.sum li{margin:4px 0;font-size:15px}
.sum b{color:var(--head)}
.cta .note{margin:10px 0 0}
.toc ol{margin:0;padding-left:20px;columns:2;column-gap:28px}
.toc li{break-inside:avoid;margin:2px 0}
.toc a{text-decoration:none;color:var(--head)}.toc a:hover{color:var(--gold)}
@media(max-width:560px){.toc ol{columns:1}}
.note{font-size:13.5px;color:var(--muted);line-height:1.65}
table{border-collapse:collapse;width:100%;font-size:14.5px;font-variant-numeric:tabular-nums}
th,td{padding:8px 9px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
th{background:var(--soft);font-size:13.5px;color:var(--head)}
td.r,th.r{text-align:right;white-space:nowrap}
tr.hl td{background:var(--gold-soft);font-weight:700}
.scroll{overflow-x:auto;border:1px solid var(--line);border-radius:10px;-webkit-overflow-scrolling:touch;margin:8px 0 12px}
.scroll table{min-width:100%}
.scroll th,.scroll td{white-space:nowrap}
.scroll td.wrap,.scroll th.wrap{white-space:normal;min-width:180px}
.ex{border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:10px;padding:14px 16px;margin:12px 0;background:#FCFDFE}
.ex .t{font-weight:800;color:var(--head);margin:0 0 6px}
.ex ol{margin:4px 0 0}
.ex .res{margin:8px 0 0;font-weight:800;color:var(--gold);font-size:17px}
.formula{background:var(--soft);border-radius:10px;padding:12px 14px;font-weight:700;color:var(--head);margin:10px 0}
.warn{background:#FFF6F5;border:1px solid #F3D3CF;border-radius:10px;padding:12px 16px;margin:12px 0}
.warn b:first-child{color:#B3261E}
.steps{counter-reset:s;list-style:none;padding:0!important}
.steps li{counter-increment:s;position:relative;padding-left:38px;margin:10px 0!important}
.steps li::before{content:counter(s);position:absolute;left:0;top:1px;width:26px;height:26px;border-radius:50%;background:var(--btn);color:#fff;font-weight:800;font-size:14px;display:grid;place-items:center}
.faq details{border-top:1px solid var(--line);padding:11px 0}
.faq details:first-of-type{border-top:0}
.faq summary{cursor:pointer;font-weight:700;color:var(--head)}
.faq p{margin:6px 0 0}
.src li{margin:5px 0;font-size:14px}
.links{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:10px;margin-top:6px}
.links a{display:block;border:1.5px solid var(--line);border-radius:12px;padding:12px 14px;text-decoration:none;color:var(--head);font-weight:700}
.links a span{display:block;font-weight:500;font-size:13px;color:var(--muted)}
.links a:hover{border-color:var(--gold)}
.calc-index{margin-top:28px;background:var(--paper);border-radius:14px;padding:20px 22px}.calc-index h2{font-size:17px;margin:0 0 12px;color:#2F343B}.ci-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:16px}.ci-grid b{font-size:13.5px;color:var(--btn)}.ci-grid ul{list-style:none;margin:6px 0 0;padding:0;display:grid;gap:4px}.ci-grid a{color:#2C3A4F;text-decoration:none;font-size:14px}.ci-grid a:hover{color:var(--gold);text-decoration:underline}@media (max-width:900px){.ci-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}@media (max-width:640px){.ci-grid{grid-template-columns:1fr 1fr}}
footer.site{margin-top:14px;background:var(--paper);border-radius:14px;padding:16px 20px;font-size:13px;color:var(--muted);line-height:1.7}
footer.site div+div{margin-top:4px}

@media(max-width:430px){.card{padding:18px 16px}table{font-size:14px}}

.c{display:block;font-size:12.5px;color:var(--muted);font-weight:500;white-space:normal}
.scroll td .c{white-space:normal}
svg.chart{display:block;width:100%;max-width:680px;height:auto;margin:6px auto 14px;font-family:var(--f)}
svg.chart .ct{font-size:15px;font-weight:800;fill:#14233D}
svg.chart .lg{font-size:12.5px;fill:#2F343B}
svg.chart .lb{font-size:13px;fill:#2F343B;font-weight:600}
svg.chart .vl{font-size:13px;font-weight:800;fill:#14233D}
svg.chart .vl.in{fill:#fff}
svg.pie{max-width:560px}
svg.pie .pc{font-size:19px;font-weight:800;fill:#14233D}
svg.pie .ps{font-size:12.5px;fill:#5F6875}
svg.pie .lg2{font-size:16px;font-weight:700;fill:#14233D}
svg.pie .lg3{font-size:13.5px;fill:#5F6875}
.btns{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}
.btns .btn{flex:1 1 160px;font-size:15px;min-height:44px;padding:10px 14px}
.scroll table td:first-child{min-width:150px}
svg.chart.hubc{max-width:520px}