:root {
  --bg: #f4f5f7;
  --card: #ffffff;
  --ink: #191f28;
  --sub: #4e5968;
  --mute: #8b95a1;
  --line: #e5e8eb;
  --accent: #3182f6;
  --accent-soft: #e8f3ff;
  --warn: #f04452;
  --field: #f2f4f6;
}
@media (prefers-color-scheme: dark) {
  :root {
    --bg: #101113;
    --card: #1b1d21;
    --ink: #f2f4f6;
    --sub: #b0b8c1;
    --mute: #7e8792;
    --line: #2c2f35;
    --accent: #4c94ff;
    --accent-soft: #1c2a40;
    --warn: #ff6b76;
    --field: #24272c;
  }
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0; background: var(--bg); color: var(--ink);
  font: 17px/1.65 "Pretendard Variable", Pretendard, -apple-system, "Malgun Gothic", sans-serif;
  word-break: keep-all; overflow-wrap: break-word;
}
a { color: var(--accent); text-decoration: none; }
.wrap { max-width: 640px; margin: 0 auto; padding: 0 16px; }

.top { background: var(--card); border-bottom: 1px solid var(--line); }
.top .wrap { height: 56px; display: flex; align-items: center; }
.logo { font-weight: 800; font-size: 19px; color: var(--ink); letter-spacing: -0.02em; }

.intro { padding: 28px 4px 16px; }
h1 { font-size: 28px; line-height: 1.3; margin: 0 0 6px; letter-spacing: -0.03em; }
.intro p { margin: 0; color: var(--sub); }

.card { background: var(--card); border-radius: 20px; padding: 22px 20px; margin-bottom: 14px; }

/* 입력 */
.field { display: block; border: 0; margin: 0 0 18px; padding: 0; min-width: 0; }
.field > span, .field legend { display: block; font-size: 15px; font-weight: 600; color: var(--sub); margin-bottom: 7px; padding: 0; }
.field small, .more summary small { font-weight: 400; color: var(--mute); font-size: 13px; margin-left: 4px; }
input[type=date], .money input {
  width: 100%; font: inherit; font-size: 18px; font-weight: 600; color: var(--ink);
  background: var(--field); border: 2px solid transparent; border-radius: 12px;
  padding: 12px 14px; outline: none; min-height: 52px;
}
input:focus { border-color: var(--accent); background: var(--card); }
input::placeholder { color: var(--mute); opacity: .55; font-weight: 500; }
.example-note { background: var(--accent-soft); color: var(--accent); border-radius: 12px; padding: 10px 14px; font-size: 14px; font-weight: 600; margin: 0 0 14px; }
.money { position: relative; }
.money input { padding-right: 52px; text-align: right; }
.money em { position: absolute; right: 16px; top: 50%; transform: translateY(-50%); font-style: normal; color: var(--sub); font-weight: 600; }
.hint { display: block; text-align: right; font-size: 14px; color: var(--accent); min-height: 21px; margin-top: 3px; font-weight: 600; }
.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }

.seg { display: grid; gap: 8px; }
.seg label { position: relative; }
.seg input { position: absolute; opacity: 0; }
.seg span {
  display: block; padding: 13px 16px; border-radius: 12px; background: var(--field);
  font-weight: 600; color: var(--sub); cursor: pointer; border: 2px solid transparent;
}
.seg input:checked + span { background: var(--accent-soft); color: var(--accent); border-color: var(--accent); }
.seg input:focus-visible + span { outline: 2px solid var(--accent); outline-offset: 2px; }

.check { display: flex; align-items: center; gap: 10px; padding-top: 30px; cursor: pointer; }
.check input { width: 22px; height: 22px; accent-color: var(--accent); flex: none; }
.check span { margin: 0; font-size: 15px; font-weight: 600; color: var(--sub); }

.check.wide { padding-top: 0; margin-top: -4px; }
.check.tight { margin-top: -10px; }
.seg.cols2 { grid-template-columns: 1fr 1fr; }
.seg.cols3 { grid-template-columns: 1fr 1fr 1fr; }
.seg.cols2 span, .seg.cols3 span { text-align: center; padding: 13px 6px; }
select {
  width: 100%; font: inherit; font-size: 17px; font-weight: 600; color: var(--ink);
  background: var(--field); border: 2px solid transparent; border-radius: 12px;
  padding: 12px 14px; min-height: 52px; outline: none; appearance: none;
  background-image: linear-gradient(45deg, transparent 50%, var(--mute) 50%), linear-gradient(135deg, var(--mute) 50%, transparent 50%);
  background-position: calc(100% - 22px) 50%, calc(100% - 16px) 50%;
  background-size: 6px 6px; background-repeat: no-repeat;
}
select:focus { border-color: var(--accent); }
.tip { font-size: 14px; color: var(--mute); margin: -8px 0 16px; }
.result .tip { margin: 12px 0 0; }

.more { border-top: 1px solid var(--line); padding-top: 14px; }
.more summary { cursor: pointer; font-weight: 600; color: var(--accent); margin-bottom: 14px; list-style: none; }
.more summary::before { content: "+ "; }
.more[open] summary::before { content: "− "; }
.more summary::-webkit-details-marker { display: none; }

/* 결과 */
.result { scroll-margin-top: 12px; }
.result .empty { color: var(--mute); text-align: center; margin: 14px 0; }
.result .warn { color: var(--warn); font-weight: 600; text-align: center; }
.result .label { margin: 0; color: var(--sub); font-weight: 600; }
.result .total { margin: 2px 0 0; font-size: 22px; font-weight: 600; letter-spacing: -0.02em; }
.result .total b { font-size: 38px; font-weight: 800; color: var(--accent); }
.result .exact { margin: 0 0 18px; color: var(--mute); font-size: 14px; }
.lines { border-top: 1px solid var(--line); }
.line { border-bottom: 1px solid var(--line); }
.line summary { display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 16px 2px; cursor: pointer; list-style: none; }
.line summary::-webkit-details-marker { display: none; }
.line .l { font-weight: 700; }
.line .l::after { content: "›"; display: inline-block; margin-left: 6px; color: var(--mute); transition: transform .15s; }
.line[open] .l::after { transform: rotate(90deg); }
.line .r { text-align: right; }
.line .r b { display: block; font-size: 20px; font-weight: 800; }
.line .r small { color: var(--mute); font-size: 13px; }
.steps { background: var(--field); border-radius: 12px; padding: 12px 14px; margin: 0 0 14px; font-size: 15px; }
.steps div { display: flex; justify-content: space-between; gap: 12px; padding: 3px 0; }
.steps div span:first-child { color: var(--sub); }
.steps div span:last-child { text-align: right; font-variant-numeric: tabular-nums; white-space: nowrap; }
.steps small { color: var(--mute); }
.steps p { margin: 0; color: var(--sub); }
.steps .warnline { color: var(--warn); font-weight: 600; margin-bottom: 8px; }
.seg span a { color: inherit; text-decoration: underline; }
.group { margin: 18px 0 0; padding-bottom: 2px; font-size: 13px; font-weight: 700; color: var(--accent); }
.lines > .group:first-child { margin-top: 14px; }
.warnbox { background: color-mix(in srgb, var(--warn) 12%, transparent); color: var(--warn); border-radius: 12px; padding: 12px 14px; font-weight: 600; font-size: 15px; margin: 0 0 14px; }
.result .total b.neg { color: var(--warn); }
.compare { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin: 0 0 16px; }
.compare div { background: var(--field); border-radius: 12px; padding: 12px 14px; }
.compare span { display: block; font-size: 13px; color: var(--sub); }
.compare b { font-size: 20px; }
.related { margin: 0 0 14px; }
.related h2 { font-size: 17px; margin: 0 0 10px 4px; color: var(--sub); }
.related .cards { grid-template-columns: 1fr 1fr; gap: 10px; }
.related .tile { padding: 14px 16px; }
.related .tile b { font-size: 16px; }
.related .tile span { font-size: 13px; }
.tbl { width: 100%; border-collapse: collapse; font-size: 14px; margin: 10px 0 4px; font-variant-numeric: tabular-nums; }
.tbl th, .tbl td { padding: 7px 6px; text-align: right; border-bottom: 1px solid var(--line); }
.tbl th:first-child, .tbl td:first-child { text-align: left; }
.tbl th { color: var(--sub); font-weight: 600; font-size: 13px; }
.steps .tbl td, .steps .tbl th { border-color: color-mix(in srgb, var(--line) 70%, var(--mute)); }
.article .tbl { color: var(--sub); }
[hidden] { display: none !important; }
.note { margin: 12px 0 0; font-size: 13px; color: var(--mute); text-align: center; }

.sticky {
  position: fixed; left: 50%; bottom: 14px; transform: translateX(-50%);
  width: calc(100% - 32px); max-width: 608px; display: flex; justify-content: space-between; align-items: center;
  background: var(--ink); color: var(--bg); border-radius: 16px; padding: 14px 20px; cursor: pointer;
  box-shadow: 0 6px 24px rgba(0,0,0,.18); transition: opacity .2s, transform .2s; z-index: 5;
}
.sticky b { font-size: 20px; }
.sticky.off { opacity: 0; pointer-events: none; transform: translate(-50%, 20px); }

/* 설명 글 */
.article, .faq { background: var(--card); border-radius: 20px; padding: 24px 20px; margin-bottom: 14px; }
.article h2, .faq h2 { font-size: 22px; margin: 0 0 8px; letter-spacing: -0.02em; }
.article h3 { font-size: 18px; margin: 22px 0 4px; }
.article p { margin: 0; color: var(--sub); }
.faq details { border-bottom: 1px solid var(--line); }
.faq details:last-child { border-bottom: 0; }
.faq summary { padding: 15px 0; font-weight: 700; cursor: pointer; }
.faq details div { padding: 0 0 16px; color: var(--sub); }

/* 홈 */
.cards { display: grid; gap: 12px; margin-bottom: 20px; }
.tile { display: block; background: var(--card); border-radius: 20px; padding: 20px; color: var(--ink); }
.tile b { display: block; font-size: 19px; }
.tile span { color: var(--sub); font-size: 15px; }
.tile.soon { opacity: .55; pointer-events: none; }
.tile.soon b::after { content: " · 준비 중"; font-size: 13px; color: var(--mute); font-weight: 600; }

.page { margin-top: 20px; }
.page h1 { margin-bottom: 14px; }
.page h2 { font-size: 19px; margin: 26px 0 6px; }
.page p { margin: 0 0 10px; }
.page ul { margin: 0 0 10px; padding-left: 20px; color: var(--sub); }
.page li { margin-bottom: 4px; }
.muted { color: var(--mute) !important; font-size: 14px; }
.btn { display: inline-block; background: var(--accent); color: #fff; font-weight: 700; padding: 12px 18px; border-radius: 12px; }
.btn.soft { background: var(--accent-soft); color: var(--accent); }

.top .wrap { justify-content: space-between; }
.topnav a { color: var(--sub); font-weight: 700; font-size: 15px; }
.crumb { font-size: 14px; color: var(--mute) !important; margin: 0 0 6px !important; }
.guide h2 { font-size: 20px; }
.guide h3 { font-size: 17px; margin: 18px 0 4px; }
.guide p, .guide li { line-height: 1.75; }
.guide .tbl { margin: 12px 0 14px; }
.guide .box { background: var(--field); border-radius: 14px; padding: 14px 16px; margin: 14px 0; color: var(--sub); }
.guide .box b { color: var(--ink); }
.cta { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-top: 26px; background: var(--accent); color: #fff; border-radius: 16px; padding: 16px 18px; }
.cta span { font-size: 15px; opacity: .9; }
.cta b { font-size: 17px; white-space: nowrap; }
.glinks { background: var(--card); border-radius: 20px; padding: 20px; margin-bottom: 14px; }
.glinks h2 { font-size: 18px; margin: 0 0 8px; }
.glinks h2 a { color: var(--ink); }
.glink { display: block; padding: 12px 0; border-bottom: 1px solid var(--line); color: var(--ink); }
.glink:last-child { border-bottom: 0; }
.glink b { display: block; font-size: 16px; }
.glink span { display: block; font-size: 14px; color: var(--sub); margin-top: 2px; }

.foot { padding: 28px 0 90px; color: var(--mute); font-size: 13px; }
.foot-links { display: flex; gap: 16px; margin-bottom: 10px; }
.foot-links a { color: var(--sub); font-weight: 600; }
.foot p { margin: 0 0 4px; }

input[type=date] { font-size: 17px; padding: 12px 10px; }
@media (max-width: 420px) {
  h1 { font-size: 25px; }
  .row2.dates { grid-template-columns: 1fr; gap: 0; }
  .steps { font-size: 14px; }
  .result .total b { font-size: 34px; }
  .row2 { gap: 10px; }
}