:root{color-scheme:light;--ink: #13233a;--muted: #5e6b7c;--line: #dce3eb;--soft: #f4f7fa;--navy: #0b172a;--blue: #1665d8;--blue-dark: #0d4da9;--mint: #dff8ef;--mint-ink: #0f664f;--amber: #fff3d6;--amber-ink: #875500;--danger: #b42318;--white: #fff;--radius: 20px;--shadow: 0 18px 50px rgb(16 35 63 / 10%);font-family:Pretendard,Noto Sans KR,Apple SD Gothic Neo,system-ui,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--white);line-height:1.65}a{color:inherit}button,input,select{font:inherit}button{cursor:pointer}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.shell{width:min(1160px,calc(100% - 40px));margin-inline:auto}.skip-link{position:absolute;left:-9999px;top:0;z-index:100;background:#fff;padding:12px}.skip-link:focus{left:10px}.site-header{position:sticky;top:0;z-index:20;border-bottom:1px solid rgb(220 227 235 / 90%);background:#ffffffeb;backdrop-filter:blur(14px)}.header-inner{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand{display:inline-flex;align-items:center;gap:11px;text-decoration:none}.brand-mark{display:grid;place-items:center;width:42px;aspect-ratio:1;border-radius:13px;color:#fff;background:linear-gradient(145deg,#0b172a,#1b6fe5);font-weight:800}.brand strong,.brand small{display:block;line-height:1.25}.brand small{margin-top:3px;color:var(--muted);font-size:.72rem}nav{display:flex;gap:26px}nav a{color:#344258;text-decoration:none;font-size:.93rem;font-weight:700}nav a:hover{color:var(--blue)}.hero{padding:96px 0 78px;color:#fff;background:radial-gradient(circle at 78% 24%,#1d67c9 0,transparent 28%),linear-gradient(135deg,#091426,#102a4d 63%,#0e4779);overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;align-items:center;gap:58px}.eyebrow{display:inline-flex;align-items:center;gap:7px;padding:7px 12px;border-radius:999px;color:#bcd7ff;background:#ffffff17;font-size:.82rem;font-weight:800;letter-spacing:.03em}h1,h2,h3{line-height:1.25;letter-spacing:-.035em}h1{margin:22px 0;font-size:clamp(2.4rem,6vw,4.4rem)}.hero p{max-width:650px;color:#d7e4f6;font-size:clamp(1.03rem,2vw,1.22rem)}.button-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px}.button{display:inline-flex;justify-content:center;align-items:center;min-height:50px;padding:0 20px;border:1px solid transparent;border-radius:13px;background:var(--blue);color:#fff;text-decoration:none;font-weight:800}.button:hover{background:var(--blue-dark)}.button.secondary{border-color:#ffffff47;background:#ffffff14}.button.ghost{border-color:var(--line);background:#fff;color:var(--ink)}.hero-card{padding:28px;border:1px solid rgb(255 255 255 / 14%);border-radius:26px;background:#ffffff17;box-shadow:var(--shadow);backdrop-filter:blur(12px)}.hero-card h2{margin:0 0 20px;font-size:1.1rem}.cost-lines{display:grid;gap:13px}.cost-line{display:flex;justify-content:space-between;gap:18px;padding-bottom:12px;border-bottom:1px solid rgb(255 255 255 / 12%);color:#dce8f8}.cost-line strong{color:#fff;white-space:nowrap}.cost-total{margin-top:18px;padding:18px;border-radius:16px;color:#0e243d;background:#fff}.cost-total span,.cost-total strong{display:block}.cost-total strong{margin-top:3px;font-size:1.6rem}.section{padding:82px 0}.section.soft{background:var(--soft)}.section-head{max-width:720px;margin-bottom:36px}.section-head h2{margin:10px 0 12px;font-size:clamp(1.8rem,4vw,2.7rem)}.section-head p{color:var(--muted)}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{padding:26px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:0 8px 28px #10233f0d}.card h3{margin:16px 0 8px}.card p{margin:0;color:var(--muted)}.number{display:grid;place-items:center;width:38px;aspect-ratio:1;border-radius:12px;color:#fff;background:var(--navy);font-weight:900}.notice{padding:18px 20px;border-left:4px solid var(--blue);border-radius:10px;background:#edf5ff}.page-hero{padding:64px 0 42px;background:linear-gradient(180deg,#eef5ff,#fff)}.page-hero h1{margin:12px 0;color:var(--navy);font-size:clamp(2rem,5vw,3.4rem)}.page-hero p{max-width:760px;color:var(--muted);font-size:1.05rem}.content-narrow{width:min(820px,calc(100% - 40px));margin-inline:auto}.article{padding:54px 0 90px}.article h2{margin-top:44px;font-size:1.6rem}.article p,.article li{color:#3e4b5e}.article-table{width:100%;border-collapse:collapse;margin:25px 0}.article-table th,.article-table td{padding:13px 12px;border:1px solid var(--line);text-align:left}.article-table th{background:var(--soft)}.calculator-wrap{padding:34px 0 90px;background:var(--soft)}.tool-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;align-items:start}.quote-panel{border:1px solid var(--line);border-radius:22px;background:#fff;overflow:hidden;box-shadow:var(--shadow)}.quote-head{display:flex;align-items:center;justify-content:space-between;padding:22px 24px;color:#fff;background:var(--navy)}.quote-head h2{margin:0;font-size:1.3rem}.quote-head input{width:150px;border:1px solid rgb(255 255 255 / 24%);border-radius:9px;padding:8px 10px;color:#fff;background:#ffffff1a}.form-section{padding:22px 24px;border-bottom:1px solid var(--line)}.form-section:last-child{border-bottom:0}.form-section h3{margin:0 0 5px;font-size:1rem}.form-help{margin:0 0 16px;color:var(--muted);font-size:.82rem}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.field{min-width:0}.field.full{grid-column:1 / -1}.field label{display:block;margin-bottom:6px;color:#354359;font-size:.82rem;font-weight:800}.input-with-unit{position:relative}.input-with-unit input{padding-right:48px}.unit{position:absolute;right:12px;top:50%;translate:0 -50%;color:var(--muted);font-size:.82rem;pointer-events:none}input,select{width:100%;min-height:44px;border:1px solid #cbd5e1;border-radius:10px;padding:9px 11px;color:var(--ink);background:#fff}input:focus,select:focus{outline:3px solid rgb(22 101 216 / 16%);border-color:var(--blue)}.field-status{margin-top:5px;min-height:34px;padding:5px 8px;font-size:.76rem}.tool-actions{position:sticky;bottom:0;z-index:10;display:flex;flex-wrap:wrap;justify-content:center;gap:10px;padding:16px;border-top:1px solid var(--line);background:#fffffff0;backdrop-filter:blur(12px)}.results{margin-top:26px}.results[hidden]{display:none}.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}.result-panel{padding:25px;border:1px solid var(--line);border-radius:22px;background:#fff;box-shadow:var(--shadow)}.result-panel h2{margin-top:0}.primary-total{padding:22px;border-radius:16px;color:#fff;background:linear-gradient(135deg,#0d4da9,#1665d8)}.primary-total span,.primary-total strong{display:block}.primary-total strong{margin-top:5px;font-size:clamp(1.7rem,4vw,2.4rem)}.breakdown{display:grid;gap:0;margin-top:18px}.breakdown div{display:flex;justify-content:space-between;gap:20px;padding:11px 0;border-bottom:1px solid var(--line)}.breakdown dt{color:var(--muted)}.breakdown dd{margin:0;font-weight:800;text-align:right}.conditional{margin-top:18px;padding:16px;border-radius:14px;background:var(--amber);color:var(--amber-ink)}.warnings{margin-top:18px;padding:0;list-style:none}.warnings li{margin-top:8px;padding:11px 13px;border-radius:10px;background:#fff0ee;color:var(--danger);font-size:.88rem}.comparison-banner{display:flex;justify-content:space-between;gap:20px;align-items:center;margin-bottom:20px;padding:20px 22px;border:1px solid #b6ebd9;border-radius:16px;background:var(--mint);color:var(--mint-ink)}.comparison-banner strong{font-size:1.2rem}.status-key{display:flex;flex-wrap:wrap;gap:8px;margin:14px 0 0;padding:0;list-style:none}.status-key li{padding:5px 9px;border:1px solid var(--line);border-radius:999px;background:#fff;color:var(--muted);font-size:.76rem}.site-footer{padding:42px 0;color:#c5d1e2;background:var(--navy)}.footer-grid{display:grid;grid-template-columns:1fr auto;gap:40px}.site-footer p{max-width:600px;color:#93a5bd;font-size:.86rem}.company-link{display:inline-block;margin-top:4px;color:#fff;font-size:.86rem;font-weight:800;text-underline-offset:4px}.footer-links{display:grid;grid-template-columns:1fr 1fr;gap:10px 24px;align-content:start}.footer-links a{text-decoration:none;font-size:.86rem}@media(max-width:860px){.hero-grid,.tool-grid,.result-grid{grid-template-columns:1fr}.hero{padding-top:64px}.grid-3{grid-template-columns:1fr}nav{display:none}.footer-grid{grid-template-columns:1fr}}@media(max-width:560px){.shell,.content-narrow{width:min(100% - 26px,1160px)}.header-inner{min-height:66px}.brand small{display:none}.hero{padding:52px 0}h1{font-size:2.3rem}.section{padding:60px 0}.field-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.quote-head{align-items:flex-start;flex-direction:column}.quote-head input{width:100%}.form-section{padding:20px 17px}.tool-actions .button{flex:1 1 42%;padding-inline:10px}.comparison-banner{align-items:flex-start;flex-direction:column}}