:root{--bg:#f6f7f9;--surface:#fff;--fg:#191f28;--sub:#4e5968;--muted:#8b95a1;--line:#e5e8eb;--accent:#4c5bd4;--accent-strong:#3542b0;--accent-soft:#eef0ff;--good:#12b886;--warn-soft:#fff8e6;--radius:16px;--shadow:0 1px 2px #0000000a, 0 4px 16px #0000000a}@media (prefers-color-scheme:dark){:root{--bg:#101215;--surface:#191c21;--fg:#eceef1;--sub:#b0b8c1;--muted:#7e8894;--line:#2b2f36;--accent:#8b95ff;--accent-strong:#aab2ff;--accent-soft:#1f2247;--warn-soft:#2d2614;--shadow:none}}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{background:var(--bg);color:var(--fg);word-break:keep-all;margin:0;font-family:Pretendard,-apple-system,BlinkMacSystemFont,Apple SD Gothic Neo,Malgun Gothic,sans-serif;font-size:17px;line-height:1.8}a{color:var(--accent);text-decoration:none}a:hover{text-decoration:underline}.wrap{max-width:760px;margin:0 auto;padding:0 16px}.site-header{background:var(--surface);border-bottom:1px solid var(--line);z-index:10;position:sticky;top:0}.site-header .wrap{justify-content:space-between;align-items:center;height:56px;display:flex}.logo{color:var(--fg);letter-spacing:-.02em;font-size:1.15rem;font-weight:800}.logo span{color:var(--accent)}.site-header nav a{color:var(--sub);margin-left:18px;font-size:15px;font-weight:600}.site-footer{color:var(--muted);border-top:1px solid var(--line);margin-top:72px;padding:32px 0 48px;font-size:13px}.site-footer nav a{color:var(--sub);margin-right:16px}h1{letter-spacing:-.02em;margin:8px 0 12px;font-size:1.75rem;line-height:1.4}h2{letter-spacing:-.01em;margin:48px 0 12px;font-size:1.35rem;line-height:1.45}h3{margin:28px 0 8px;font-size:1.1rem}p{margin:0 0 16px}ul,ol{padding-left:1.3em}li{margin:4px 0}.meta{color:var(--muted);font-size:14px}.crumbs{color:var(--muted);margin-top:24px;font-size:13px}.crumbs a{color:var(--muted)}.card{background:var(--surface);border-radius:var(--radius);box-shadow:var(--shadow);margin:20px 0;padding:24px}.box{background:var(--accent-soft);border-radius:12px;margin:20px 0;padding:16px 20px}.box p:last-child,.box ul:last-child{margin-bottom:0}.box strong:first-child{margin-bottom:4px;display:block}.note{background:var(--warn-soft);color:var(--sub);border-radius:12px;margin:20px 0;padding:14px 18px;font-size:15px}.table-wrap{margin:16px 0 20px;overflow-x:auto}table{border-collapse:collapse;width:100%;font-size:15px}th,td{border-bottom:1px solid var(--line);text-align:left;white-space:nowrap;padding:10px 12px}th{color:var(--sub);background:var(--bg);font-weight:600}td.num,th.num{text-align:right;font-variant-numeric:tabular-nums}.card-list{margin:0;padding:0;list-style:none}.card-list li{border-bottom:1px solid var(--line);margin:0;padding:16px 0}.card-list li:last-child{border-bottom:0}.card-list a{color:var(--fg);font-size:1.05rem;font-weight:700}.card-list p{color:var(--sub);margin:4px 0 0;font-size:15px;line-height:1.6}.faq details{border-bottom:1px solid var(--line);padding:14px 0}.faq summary{cursor:pointer;font-weight:700;list-style:none}.faq summary:before{content:"Q. ";color:var(--accent)}.faq details p{color:var(--sub);margin:8px 0 0}.sources{color:var(--sub);font-size:14px}.sources li{margin:2px 0}.calc label{color:var(--sub);margin:14px 0 6px;font-size:14px;font-weight:600;display:block}.calc input,.calc select{border:1px solid var(--line);background:var(--bg);width:100%;color:var(--fg);border-radius:10px;padding:12px 14px;font-family:inherit;font-size:17px}.calc input:focus,.calc select:focus{outline:2px solid var(--accent);border-color:#0000}.row2{grid-template-columns:1fr 1fr;gap:12px;display:grid}.chips{flex-wrap:wrap;gap:6px;margin-top:8px;display:flex}.chips button{border:1px solid var(--line);background:var(--surface);color:var(--sub);cursor:pointer;border-radius:999px;padding:6px 12px;font-family:inherit;font-size:14px}.chips button:hover{border-color:var(--accent);color:var(--accent)}.seg{background:var(--bg);border-radius:10px;gap:4px;padding:4px;display:flex}.seg label{text-align:center;cursor:pointer;border-radius:8px;flex:1;margin:0;padding:8px;font-weight:600}.seg input{display:none}.seg label:has(input:checked){background:var(--surface);color:var(--fg);box-shadow:var(--shadow)}.result-hero{text-align:center;padding:8px 0 4px}.result-hero .label{color:var(--sub);font-size:15px}.result-hero .big{letter-spacing:-.03em;color:var(--accent-strong);font-variant-numeric:tabular-nums;font-size:2.4rem;font-weight:800}.stats{grid-template-columns:repeat(3,1fr);gap:8px;margin:16px 0;display:grid}.stats div{background:var(--bg);text-align:center;border-radius:10px;padding:10px}.stats b{font-variant-numeric:tabular-nums;font-size:1.05rem;display:block}.stats span{color:var(--muted);font-size:12px}.bars{margin:8px 0 0}.bar{grid-template-columns:84px 1fr 96px;align-items:center;gap:8px;margin:6px 0;font-size:14px;display:grid}.bar i{background:var(--accent);opacity:.75;border-radius:4px;height:8px;display:block}.bar b{text-align:right;font-variant-numeric:tabular-nums;font-weight:600}.btn{background:var(--accent);color:#fff;cursor:pointer;border:0;border-radius:10px;padding:10px 16px;font-family:inherit;font-size:15px;font-weight:700;display:inline-block}.btn.ghost{background:var(--bg);color:var(--sub)}.ad{min-height:100px;margin:28px 0}@media (width<=520px){body{font-size:16px}h1{font-size:1.5rem}.result-hero .big{font-size:2rem}article.card,.card{border-radius:12px;padding:20px 16px}.site-header nav a{margin-left:12px}}article table{display:block;overflow-x:auto}.wrap.wide{max-width:1140px}.layout{grid-template-columns:minmax(0,1fr) 300px;align-items:start;gap:32px;display:grid}.main-col{min-width:0;max-width:760px}.side-box{background:var(--surface);border-radius:var(--radius);box-shadow:var(--shadow);margin-bottom:16px;padding:18px 20px;font-size:15px}.side-box>b{margin-bottom:8px;display:block}.side-box p{color:var(--sub);margin:0 0 12px;font-size:14px}.side-list{margin:0;padding:0;list-style:none}.side-list li{border-bottom:1px solid var(--line);margin:0;padding:8px 0;line-height:1.5}.side-list li:last-child{border-bottom:0}.side-list a{color:var(--fg);font-weight:600}.calc-promo .btn{text-align:center;display:block}.calc-promo .chips a{border:1px solid var(--line);color:var(--sub);border-radius:999px;padding:4px 10px;font-size:13px}.toc ol{margin:0;padding-left:1.2em;font-size:15px}.toc li{margin:6px 0;line-height:1.5}.toc a{color:var(--sub)}.toc-side,.side-sticky{position:sticky;top:72px}.toc-inline{background:var(--bg);border-radius:12px;margin:16px 0;padding:12px 16px;display:none}.toc-inline summary{cursor:pointer;font-weight:700}.toc-inline ol{margin-top:8px}h2[id],h3[id]{scroll-margin-top:72px}.prevnext{grid-template-columns:1fr 1fr;gap:12px;margin:20px 0;display:grid}.prevnext a{background:var(--surface);box-shadow:var(--shadow);color:var(--fg);border-radius:12px;padding:14px 16px;font-size:15px;font-weight:600;line-height:1.5}.prevnext a.next{text-align:right}.prevnext span{color:var(--muted);font-size:12px;font-weight:400;display:block}.ad-dev{color:#e67700;background:#f59f000f;border:2px dashed #f59f00;border-radius:12px;justify-content:center;align-items:center;min-height:120px;font-size:14px;font-weight:700;display:flex}.site-header nav{white-space:nowrap;scrollbar-width:none;display:flex;overflow-x:auto}.site-header nav::-webkit-scrollbar{display:none}@media (width<=1023px){.layout{grid-template-columns:1fr;gap:0}.main-col{max-width:none}.side{padding-top:0}.toc-side,.side-sticky{display:none}.toc-inline{display:block}}@media (width<=520px){.prevnext{grid-template-columns:1fr}.prevnext a.next{text-align:left}.side-box{border-radius:12px}.box{padding:14px 16px}article table{font-size:14px}th,td{padding:8px 10px}}.side{align-self:stretch}.toc-side{position:static}.ad-side.ad-dev{min-height:250px}article h2:before{content:"";background:var(--accent);border-radius:2px;width:28px;height:4px;margin-bottom:14px;display:block}article h3{margin:32px 0 10px;font-size:1.12rem}article strong{background:linear-gradient(transparent 62%, var(--accent-soft) 62%);font-weight:700}article table{border:1px solid var(--line);border-radius:12px;margin:20px 0 8px;display:table;overflow:hidden}article th,article td{white-space:normal;word-break:keep-all;vertical-align:top;padding:12px 14px}article th{background:var(--accent-soft);color:var(--fg)}article td:first-child{font-weight:600}article tr:last-child td{border-bottom:0}.cap{color:var(--muted);margin:0 0 24px!important;font-size:13px!important;line-height:1.6!important}.summary{border:1px solid var(--line);border-radius:14px;margin:24px 0 8px;overflow:hidden}.summary div{border-bottom:1px solid var(--line);grid-template-columns:76px 1fr;gap:12px;padding:14px 18px;line-height:1.6;display:grid}.summary div:last-child{border-bottom:0}.summary b{color:var(--accent-strong)}.tip{background:var(--warn-soft);border-left:4px solid #f59f00;border-radius:0 12px 12px 0;margin:24px 0;padding:16px 20px}.tip p{margin:0 0 6px}.tip p:last-child{margin:0}.tip strong:first-child{background:0 0;margin-bottom:4px;display:block}article ol li::marker{color:var(--accent);font-weight:700}article ul:has(input[type=checkbox]){padding-left:0;list-style:none}article input[type=checkbox]{accent-color:var(--accent);margin-right:8px}@media (width<=520px){article h2{margin-top:44px;font-size:1.25rem}article th,article td{padding:10px;font-size:14px}.summary div{grid-template-columns:60px 1fr;padding:12px 14px}}.hero{border-radius:12px;width:100%;height:auto;margin:8px 0 20px;display:block}article figure img{border:1px solid var(--line);border-radius:12px;width:100%;height:auto;display:block}article figcaption{color:var(--muted);margin-top:8px;font-size:13px;line-height:1.6}.calc .hint{color:var(--muted);margin:6px 0 0;font-size:13px;font-weight:400;line-height:1.6}.calc .result{margin-top:20px}.calc td,.calc th{white-space:normal}.calc td.num,.calc th.num{white-space:nowrap}.byline{margin-top:-4px}.byline a{color:inherit;text-underline-offset:2px;text-decoration:underline}.hub-intro{background:var(--card,#fff);border-left:4px solid var(--accent);border-radius:6px;padding:12px 16px;line-height:1.7}.hub-group{margin-top:28px}.hub-calcs{font-size:15px}.steps{padding-left:22px;line-height:1.9}article img{max-width:100%;height:auto}.site-header .wrap{flex-wrap:wrap;gap:0 12px;height:auto;min-height:56px}.site-header nav{flex:auto;min-width:0}.search{flex:0 220px;position:relative}.search input{border:1px solid var(--line);width:100%;height:36px;font:inherit;background:var(--bg);color:var(--fg);border-radius:18px;outline:none;padding:0 14px;font-size:14px}.search input:focus{border-color:var(--accent);background:var(--surface)}.search-list{background:var(--surface);border:1px solid var(--line);z-index:30;border-radius:12px;width:min(440px,100vw - 32px);max-height:70vh;margin:0;padding:6px;line-height:1.45;list-style:none;position:absolute;top:42px;right:0;overflow-y:auto;box-shadow:0 10px 30px #0000002e}.search-list li{margin:0}.search-list a{color:var(--fg);border-radius:8px;align-items:flex-start;gap:12px;padding:9px 10px;text-decoration:none;display:flex}.search-list li.on a,.search-list a:hover{background:var(--accent-soft);text-decoration:none}.search-list span{flex-direction:column;gap:2px;min-width:0;display:flex}.search-list b{font-size:14.5px}.search-list small{color:var(--accent);font-size:12px;font-weight:600}.search-list .snip{color:var(--sub);font-size:12.5px;font-style:normal}.search-list mark{color:#191f28;background:#ffe58a;border-radius:2px;padding:0 1px}.search-list .none{color:var(--sub);padding:10px;font-size:14px}@media (width<=720px){.search{flex:100%;order:3;margin:0 0 10px}.search-list{width:100%;left:0;right:auto}}.calc-grid{grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:14px;margin:20px 0;padding:0;list-style:none;display:grid}.calc-grid li{margin:0}.calc-grid a{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);height:100%;color:var(--fg);box-shadow:var(--shadow);flex-direction:column;gap:6px;padding:20px;transition:transform .15s,border-color .15s,box-shadow .15s;display:flex}.calc-grid a:hover{border-color:var(--accent);text-decoration:none;transform:translateY(-2px);box-shadow:0 8px 24px #4c5bd424}.cg-icon{background:var(--accent-soft);border-radius:14px;place-items:center;width:48px;height:48px;margin-bottom:6px;font-size:26px;display:grid}.cg-tag{color:var(--accent);font-size:12px;font-weight:700}.calc-grid b{letter-spacing:-.01em;font-size:1.08rem;line-height:1.4}.cg-desc{color:var(--sub);flex:1;font-size:14px;line-height:1.6}.cg-go{color:var(--accent);margin-top:6px;font-size:14px;font-weight:700}.hub-intro{background:var(--surface);border-radius:12px}.calc label{color:var(--fg);margin-top:18px;font-size:14.5px}.calc input,.calc select{background:var(--surface);border:1.5px solid var(--line);font-variant-numeric:tabular-nums;border-radius:12px;height:52px;padding:0 16px;font-size:18px;font-weight:600;transition:border-color .15s,box-shadow .15s}.calc input[type=checkbox],.calc input[type=radio]{width:auto;height:auto}.calc input:hover,.calc select:hover{border-color:#c9d0d8}.calc input:focus,.calc select:focus{border-color:var(--accent);box-shadow:0 0 0 4px var(--accent-soft);outline:none}.calc .chips{gap:6px;margin-top:10px}.calc .chips button{background:var(--bg);border-color:#0000;padding:7px 14px;font-weight:600}.calc .chips button:hover,.calc .chips button.on{background:var(--accent-soft);color:var(--accent-strong);border-color:var(--accent)}.calc .seg{background:var(--bg);border-radius:12px;padding:5px}.calc .seg label{color:var(--sub);margin:0;padding:10px;font-size:15px}.calc .seg label:has(input:checked){color:var(--accent-strong)}.calc .result{background:linear-gradient(160deg, var(--accent-soft), var(--surface) 75%);border:1px solid var(--line);border-radius:var(--radius);padding:22px 20px}.calc .result-hero{padding:4px 0 8px}.calc .result-hero .label{font-weight:600}.calc .result-hero .big{margin-top:4px;font-size:2.6rem;line-height:1.25}.calc .stats div{background:var(--surface);border:1px solid var(--line);padding:12px 6px}.calc .stats b{font-size:1.1rem}.calc .bar{grid-template-columns:76px 1fr auto}.calc .bar i{opacity:1;border-radius:5px;min-width:4px;height:10px}.calc .bar:nth-child(6n+1) i{background:#4c5bd4}.calc .bar:nth-child(6n+2) i{background:#12b886}.calc .bar:nth-child(6n+3) i{background:#63e6be}.calc .bar:nth-child(6n+4) i{background:#ffa94d}.calc .bar:nth-child(6n+5) i{background:#f06595}.calc .bar:nth-child(6n+6) i{background:#cc5de8}.calc .btn{padding:11px 18px}main.wrap:has(>.calc){max-width:1080px}@media (width>=900px){.calc{grid-template-columns:minmax(0,1fr) minmax(0,420px);align-items:start;column-gap:32px;padding:28px 32px 32px;display:grid}.calc>*{grid-column:1}.calc>.result{grid-area:1/2/span 40;margin-top:0;position:sticky;top:76px}.calc>:first-child{margin-top:0}main.wrap:has(>.calc)>article.card{padding:36px 48px 40px}main.wrap:has(>.calc)>article.card>:is(p,ul,ol,h2,h3,section,.note,.box){max-width:780px}}@media (width<=520px){.sal-tbl th:nth-child(3),.sal-tbl td:nth-child(3){display:none}.calc .result{padding:18px 14px}.calc .result-hero .big{font-size:2.1rem}.calc .bar{grid-template-columns:68px 1fr auto;font-size:13.5px}.calc-grid{grid-template-columns:1fr 1fr;gap:10px}.calc-grid a{padding:16px 14px}.cg-desc{display:none}}@media (prefers-color-scheme:dark){.calc input:hover,.calc select:hover{border-color:#3a404a}.calc-grid a:hover{box-shadow:none}}body:has(main.wrap>.calc) :is(.site-header,.site-footer)>.wrap{max-width:1080px}.calc .stats span{margin-top:2px;line-height:1.4;display:block}:root{--radius:14px;--shadow:0 1px 2px #0f172a0a, 0 2px 8px #0f172a0a}body{font-size:16.5px;line-height:1.75}.wrap.wide,main.wrap.page-wide,main.wrap:has(>.calc),body:has(main.wrap>.calc) :is(.site-header,.site-footer)>.wrap{max-width:1140px}.site-header{background:color-mix(in srgb, var(--surface) 88%, transparent);-webkit-backdrop-filter:saturate(180%)blur(12px)}.site-header .wrap{min-height:60px}.logo{font-size:1.2rem}.site-header nav a{border-radius:8px;margin-left:4px;padding:6px 12px;transition:background .15s,color .15s}.site-header nav a:hover{background:var(--bg);color:var(--fg);text-decoration:none}.site-header nav a[aria-current=page]{color:var(--accent)}.site-footer{margin-top:48px;padding:28px 0 36px}h1{letter-spacing:-.025em;margin:6px 0 10px;font-size:1.85rem}.crumbs{margin-top:20px}.hub-intro{background:var(--surface);box-shadow:var(--shadow);border-left:0;border-radius:12px;margin:12px 0 8px;padding:16px 20px}.home-hero{color:#fff;background:radial-gradient(120% 140% at 100% 0,#7b86ec 0%,#4c5bd4 45%,#3542b0 100%);border-radius:20px;margin:24px 0 8px;padding:36px 40px;box-shadow:0 12px 32px #4c5bd438}.home-hero h1{color:#fff;margin:0 0 10px;font-size:2rem}.home-hero p{color:#ffffffe6;max-width:720px;margin:0 0 22px}.home-hero strong{color:#fff}.hero-steps{grid-template-columns:repeat(3,1fr);gap:10px;margin:0;padding:0;list-style:none;display:grid}.hero-steps li{margin:0}.hero-steps a{color:#fff;background:#ffffff24;border:1px solid #ffffff38;border-radius:12px;align-items:center;gap:12px;height:100%;padding:14px 16px;font-size:15px;font-weight:600;line-height:1.45;transition:background .15s;display:flex}.hero-steps a:hover{background:#ffffff3d;text-decoration:none}.hero-steps span{width:28px;height:28px;color:var(--accent-strong);background:#fff;border-radius:50%;flex:none;place-items:center;font-size:14px;font-weight:800;display:grid}.home-sec{margin-top:36px}.sec-head{justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:14px;display:flex}.sec-head h2{margin:0;font-size:1.35rem}.sec-head a{color:var(--sub);font-size:14px;font-weight:600}.home-sec .calc-grid{grid-template-columns:repeat(auto-fill,minmax(200px,1fr));margin:0}.page-wide .calc-grid{grid-template-columns:repeat(auto-fill,minmax(200px,1fr))}.post-grid{grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:16px;margin:0;padding:0;list-style:none;display:grid}.post-card{margin:0}.post-card a{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);height:100%;color:var(--fg);box-shadow:var(--shadow);flex-direction:column;transition:transform .15s,box-shadow .15s,border-color .15s;display:flex;overflow:hidden}.post-card a:hover{border-color:var(--accent);text-decoration:none;transform:translateY(-2px);box-shadow:0 10px 24px #0f172a14}.post-card img{aspect-ratio:1200/630;object-fit:cover;background:var(--bg);width:100%;height:auto;display:block}.pc-body{flex-direction:column;flex:1;gap:6px;padding:14px 16px 16px;display:flex}.post-card b{letter-spacing:-.01em;-webkit-line-clamp:2;-webkit-box-orient:vertical;font-size:1.02rem;line-height:1.45;display:-webkit-box;overflow:hidden}.pc-desc{color:var(--sub);-webkit-line-clamp:2;-webkit-box-orient:vertical;flex:1;font-size:14px;line-height:1.6;display:-webkit-box;overflow:hidden}.pc-date{color:var(--muted);font-size:12.5px}.hub-grid{grid-template-columns:repeat(auto-fill,minmax(330px,1fr));align-items:start;gap:16px;margin-top:20px;display:grid}.hub-group{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);margin:0;padding:20px 22px}.hub-group h2{margin:0 0 2px;font-size:1.12rem}.hub-desc{color:var(--muted);margin:0 0 10px;font-size:13.5px;line-height:1.55}.hub-list{margin:0;padding:0;list-style:none}.hub-list li{border-top:1px solid var(--line);margin:0}.hub-list a{color:var(--fg);padding:10px 0;font-size:15px;font-weight:600;line-height:1.5;display:block}.hub-list a:hover{color:var(--accent);text-decoration:none}.hub-calcs{flex-wrap:wrap;gap:6px;margin:10px 0 0;display:flex}.hub-calcs a{background:var(--accent-soft);color:var(--accent-strong);border-radius:999px;padding:5px 10px;font-size:13px;font-weight:600}.hub-calcs a:hover{filter:brightness(.97);text-decoration:none}article.card{padding:28px 32px 32px}article p,article li{line-height:1.8}article p{margin:0 0 16px}article h2{border-top:0;margin:40px 0 12px;padding-top:0;font-size:1.35rem}article h2:before{width:24px;height:4px;margin-bottom:10px}article h3{margin:26px 0 8px}article table{margin:14px 0 6px}article figure{margin:18px 0}.cap{margin:0 0 16px!important}.faq details{padding:12px 0}.side{padding-top:20px}.layout{gap:28px}.related-wrap,.prevnext{margin:16px 0}@media (width<=720px){.home-hero{border-radius:16px;margin-top:16px;padding:24px 20px}.home-hero h1{font-size:1.45rem}.hero-steps{grid-template-columns:1fr}.site-header nav a{margin-left:0;padding:4px 8px}article.card{padding:20px 16px 24px}}@media (width<=520px){.post-grid{grid-template-columns:1fr;gap:12px}.post-card a{flex-direction:row}.post-card img{aspect-ratio:1;flex:none;width:112px}.pc-body{padding:12px 14px}.pc-desc{display:none}.hub-grid{grid-template-columns:1fr}.home-sec .calc-grid{grid-template-columns:1fr 1fr}}