:root{--bg:#fff;--ink:#191f28;--ink2:#333d4b;--sub:#6b7684;--sub2:#8b95a1;--line:#e5e8eb;--card:#f2f4f6;--card2:#f9fafb;--pt:#3182f6;--pt-ink:#1b64da;--pt-soft:#e8f3ff;--r:16px;--r-sm:12px;--max:720px;--wide:1080px;--header:60px}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-padding-top:calc(var(--header) + 16px)}body{background:var(--bg);color:var(--ink);word-break:keep-all;overflow-wrap:anywhere;-webkit-font-smoothing:antialiased;margin:0;font-family:Pretendard Variable,Pretendard,-apple-system,BlinkMacSystemFont,Apple SD Gothic Neo,Malgun Gothic,system-ui,sans-serif;font-size:17px;line-height:1.7}a{color:var(--pt-ink);text-decoration:none}img{max-width:100%;height:auto}h1,h2,h3{letter-spacing:-.02em;line-height:1.35}.container{max-width:var(--wide);margin:0 auto;padding:0 20px}.narrow{max-width:calc(var(--max) + 40px);margin:0 auto;padding:0 20px}.site-header{z-index:20;backdrop-filter:saturate(180%)blur(12px);border-bottom:1px solid var(--line);background:#ffffffe6;position:sticky;top:0}.site-header .container{height:var(--header);justify-content:space-between;align-items:center;display:flex}.logo{color:var(--ink);letter-spacing:-.02em;white-space:nowrap;align-items:center;gap:8px;font-size:18px;font-weight:700;display:inline-flex}.logo svg{flex:none;width:26px;height:26px}.logo span{color:var(--pt-ink);margin-left:-8px}.nav{margin-right:-12px;display:flex}.nav a{height:44px;color:var(--ink2);white-space:nowrap;border-radius:10px;align-items:center;padding:0 12px;font-size:15px;font-weight:500;display:flex}.nav a:hover{background:var(--card)}.nav a[aria-current=page]{color:var(--pt-ink);font-weight:600}.site-footer{background:var(--card2);border-top:1px solid var(--line);color:var(--sub);margin-top:96px;padding:40px 0 56px;font-size:14px}.site-footer .container{gap:20px;display:grid}.site-footer .logo{margin-bottom:8px;font-size:16px}.site-footer .logo svg{width:22px;height:22px}.site-footer p{max-width:36em;margin:0;line-height:1.6}.site-footer nav{flex-wrap:wrap;gap:0 20px;display:flex}.site-footer nav a{color:var(--ink2);font-weight:500;line-height:44px}.site-footer .copy-line{color:var(--sub2);font-size:13px}@media (width>=720px){.site-footer .container{grid-template-columns:minmax(0,1fr) auto;align-items:start}.site-footer .copy-line{grid-column:1/-1}}.hero{grid-template-columns:minmax(0,1fr);align-items:center;gap:28px;padding:36px 0 8px;display:grid}.eyebrow{color:var(--pt-ink);margin:0 0 10px;font-size:14px;font-weight:600}.hero h1{letter-spacing:-.03em;margin:0 0 14px;font-size:clamp(28px,4.6vw,44px);font-weight:700;line-height:1.3}.hero .lead{color:var(--sub);max-width:30em;margin:0;font-size:17px}@media (width>=860px){.hero{grid-template-columns:minmax(0,1fr) 400px;gap:48px;padding:72px 0 32px}}.page-head{padding:40px 0 8px}.page-head h1{letter-spacing:-.03em;margin:0 0 8px;font-size:clamp(28px,4vw,36px);font-weight:700}.page-head p{color:var(--sub);margin:0 0 20px;font-size:16px}.sec{margin-top:56px}.sec-head{justify-content:space-between;align-items:baseline;gap:16px;margin-bottom:16px;display:flex}.sec-head h2{margin:0;font-size:22px;font-weight:700}.sec-head a{color:var(--sub);white-space:nowrap;font-size:14px;font-weight:500}.sec-head a:hover{color:var(--pt-ink)}.chips{flex-wrap:wrap;gap:8px;display:flex}.chips a{background:var(--card);height:40px;color:var(--ink2);border-radius:999px;align-items:center;padding:0 16px;font-size:15px;font-weight:500;display:inline-flex}.chips a:hover{background:var(--pt-soft);color:var(--pt-ink)}.chips a small{color:var(--sub2);font-variant-numeric:tabular-nums;margin-left:6px;font-size:13px}.tiles{grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:12px;display:grid}.tile{background:var(--card);color:var(--ink);border-radius:20px;flex-direction:column;gap:4px;padding:22px 22px 20px;transition:background .15s;display:flex}.tile:hover{background:#e9ecef}.tile b{letter-spacing:-.02em;font-size:18px}.tile span{color:var(--sub);font-size:14px;line-height:1.55}.tile em{color:var(--pt-ink);font-variant-numeric:tabular-nums;margin-top:auto;padding-top:14px;font-size:15px;font-style:normal;font-weight:600}.list{border-top:1px solid var(--line);margin:0;padding:0;list-style:none}.list a{border-bottom:1px solid var(--line);color:var(--ink);grid-template-columns:64px minmax(0,1fr) auto;align-items:baseline;gap:2px 16px;padding:18px 4px;display:grid}.list .cat{color:var(--pt-ink);font-size:13px;font-weight:600}.list b{letter-spacing:-.02em;font-size:17px;font-weight:600;line-height:1.45}.list a:hover b{color:var(--pt-ink)}.list p{color:var(--sub);-webkit-line-clamp:1;-webkit-box-orient:vertical;grid-column:2;margin:0;font-size:14px;line-height:1.55;display:-webkit-box;overflow:hidden}.list time{color:var(--sub2);font-variant-numeric:tabular-nums;white-space:nowrap;font-size:13px}.list.plain a{grid-template-columns:minmax(0,1fr) auto}.list.plain p{grid-column:1}@media (width<=640px){.list a,.list.plain a{grid-template-columns:minmax(0,1fr);padding:16px 0}.list p{-webkit-line-clamp:2;grid-column:1}.list time{display:none}}.breadcrumb{color:var(--sub2);margin:32px 0 14px;font-size:13px}.breadcrumb a{color:var(--sub)}.breadcrumb a:hover{color:var(--pt-ink)}h1.title,article h1{letter-spacing:-.03em;margin:0 0 14px;font-size:clamp(26px,4vw,36px);font-weight:700;line-height:1.32}.meta{color:var(--sub);flex-wrap:wrap;align-items:center;gap:8px;margin:0 0 28px;font-size:13px;line-height:1.5;display:flex}.badge{background:var(--pt-soft);height:26px;color:var(--pt-ink);white-space:nowrap;border-radius:999px;align-items:center;padding:0 10px;font-size:12px;font-weight:600;display:inline-flex}.badge.gray{background:var(--card);color:var(--sub)}.article-layout{grid-template-columns:minmax(0,1fr);display:grid}.toc-side{display:none}@media (width>=1080px){.article-layout{grid-template-columns:minmax(0,720px) 220px;justify-content:center;gap:72px}.toc-side{top:calc(var(--header) + 32px);align-self:start;max-height:calc(100vh - 120px);margin-top:78px;font-size:14px;display:block;position:sticky;overflow:auto}.toc-top{display:none}}.toc-side strong{color:var(--sub2);margin-bottom:10px;font-size:13px;font-weight:600;display:block}.toc-side a{border-left:2px solid var(--line);color:var(--sub);padding:6px 0 6px 12px;line-height:1.45;display:block}.toc-side a:hover,.toc-side a.on{color:var(--ink);border-color:var(--pt)}.toc-top{background:var(--card2);border:1px solid var(--line);border-radius:var(--r);margin:0 0 28px;padding:0 18px;font-size:15px}.toc-top summary{cursor:pointer;justify-content:space-between;align-items:center;padding:14px 0;font-weight:600;list-style:none;display:flex}.toc-top summary::-webkit-details-marker{display:none}.toc-top summary:after{content:"펼치기";color:var(--sub);font-size:13px;font-weight:500}.toc-top[open] summary:after{content:"접기"}.toc-top ol{margin:0 0 14px;padding-left:20px}.toc-top li{margin:8px 0}.toc-top a{color:var(--ink2)}.prose{color:var(--ink2);font-size:17px;line-height:1.8}.prose.guide>p:first-child{background:var(--card);border-radius:var(--r);color:var(--ink);padding:20px 22px;line-height:1.75}.prose.guide>p:first-child:before{content:"한눈에 보기";color:var(--pt-ink);margin-bottom:6px;font-size:13px;font-weight:700;display:block}.prose h2{color:var(--ink);margin:56px 0 16px;font-size:24px;font-weight:700}.prose h3{color:var(--ink);margin:36px 0 10px;font-size:19px;font-weight:700}.prose p,.prose ul,.prose ol{margin:0 0 20px}.prose ul,.prose ol{padding-left:22px}.prose li{margin:6px 0}.prose li::marker{color:var(--sub2)}.prose strong{color:var(--ink);font-weight:700}.prose a{text-underline-offset:3px;text-decoration:underline #1b64da59}.prose a:hover{text-decoration-color:currentColor}.prose img{border-radius:var(--r-sm);border:1px solid var(--line);background:var(--card2);width:100%;height:auto;display:block}.prose p:has(>img){margin:28px 0}.prose p:has(>img) em{color:var(--sub2);text-align:center;margin-top:10px;font-size:13px;font-style:normal;line-height:1.5;display:block}.table-wrap{scrollbar-width:thin;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:var(--r-sm);margin:8px 0 28px;overflow-x:auto}.prose table{border-collapse:collapse;font-variant-numeric:tabular-nums;width:100%;font-size:15px;line-height:1.55}.prose th,.prose td{text-align:left;vertical-align:top;border-bottom:1px solid var(--line);padding:12px 14px}.prose tbody tr:last-child td{border-bottom:0}.prose th{background:var(--card2);color:var(--sub);white-space:nowrap;font-size:13px;font-weight:600}.prose td:first-child{color:var(--ink);font-weight:600}.prose blockquote{background:var(--card);border-radius:var(--r-sm);margin:0 0 20px;padding:16px 18px}.prose blockquote p{margin:0}.prose code{background:var(--card);border-radius:6px;padding:2px 6px;font-size:.9em}.narrow>article.prose>h1:first-child{margin-top:40px}@media (width<=640px){body,.prose{font-size:16px}.prose h2{margin-top:44px;font-size:21px}.table-wrap{border-left:0;border-right:0;border-radius:0;margin-left:-20px;margin-right:-20px}.prose table{font-size:14px}.prose table:has(th:nth-child(3)){min-width:560px}.prose table:has(th:nth-child(4)){min-width:680px}.prose th,.prose td{padding:11px 12px}.prose th:first-child,.prose td:first-child{max-width:132px;box-shadow:1px 0 0 var(--line);background:#fff;padding-left:20px;position:sticky;left:0}.prose th:first-child{background:var(--card2)}}.toolbox{background:var(--pt-soft);border-radius:var(--r);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px 20px;margin:0 0 28px;padding:18px 20px;display:flex}.toolbox div{flex:260px;min-width:0}.toolbox b{letter-spacing:-.02em;font-size:16px;display:block}.toolbox span{color:var(--ink2);font-size:14px;line-height:1.55;display:block}.btn{background:var(--pt);color:#fff;height:44px;font:inherit;white-space:nowrap;cursor:pointer;border:0;border-radius:12px;justify-content:center;align-items:center;padding:0 18px;font-size:15px;font-weight:600;display:inline-flex}.btn:hover{background:var(--pt-ink)}.related{margin-top:64px}.ad-slot{min-height:0;margin:32px 0}.panel{background:var(--card);border-radius:20px;padding:24px}.field{margin-bottom:22px}.field>label,.field>.label{color:var(--sub);margin-bottom:8px;font-size:14px;font-weight:600;display:block}.input{position:relative}.input input,.input select{font:inherit;font-variant-numeric:tabular-nums;border-radius:var(--r-sm);background:var(--card);width:100%;height:56px;color:var(--ink);outline-offset:0;-webkit-appearance:none;appearance:none;border:0;outline:2px solid #0000;padding:0 44px 0 16px;font-size:20px;font-weight:600;transition:outline-color .15s}.input select{cursor:pointer;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 16 16'%3E%3Cpath d='M3.5 6l4.5 4.5L12.5 6' fill='none' stroke='%236B7684' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");background-position:right 16px center;background-repeat:no-repeat;font-size:17px}.input input:focus,.input select:focus{outline-color:var(--pt)}.panel .input input{background:#fff}.input .unit{color:var(--sub);pointer-events:none;font-size:16px;position:absolute;top:50%;right:16px;transform:translateY(-50%)}.seg{background:var(--card);border-radius:var(--r-sm);grid-auto-columns:1fr;grid-auto-flow:column;gap:4px;padding:4px;display:grid}.panel .seg{background:#e5e8eb}.seg label{text-align:center;min-height:44px;color:var(--sub);cursor:pointer;border-radius:9px;justify-content:center;align-items:center;padding:6px 8px;font-size:15px;font-weight:500;line-height:1.35;display:flex;position:relative}.seg input{opacity:0;pointer-events:none;position:absolute}.seg label:has(input:checked){color:var(--ink);background:#fff;font-weight:600;box-shadow:0 1px 3px #0000001a}.seg label:has(input:focus-visible){outline:2px solid var(--pt)}.hint{color:var(--sub2);margin-top:8px;font-size:13px;line-height:1.55;display:block}.calc-layout{grid-template-columns:minmax(0,1fr);gap:8px;margin:8px 0 24px;display:grid}@media (width>=900px){.calc-layout{grid-template-columns:minmax(0,1fr) 400px;align-items:start;gap:48px;margin-bottom:40px}.calc-layout .result{top:calc(var(--header) + 20px);position:sticky}}.result{background:var(--card);scroll-margin-top:calc(var(--header) + 16px);border-radius:20px;padding:24px}.result .label{color:var(--sub);font-size:14px;font-weight:600}.result .big{letter-spacing:-.03em;font-variant-numeric:tabular-nums;margin:2px 0 16px;font-size:34px;font-weight:700;line-height:1.3}.result .duo{grid-template-columns:1fr 1fr;gap:12px;margin:10px 0 18px;display:grid}.result .duo div{border-radius:var(--r-sm);background:#fff;padding:14px 14px 12px}.result .duo span{color:var(--sub);font-size:13px;font-weight:600;display:block}.result .duo strong{letter-spacing:-.03em;font-variant-numeric:tabular-nums;font-size:22px;display:block}.result .duo .win strong{color:var(--pt-ink)}.rows{border-top:1px solid var(--line);margin:0}.rows div{border-bottom:1px solid var(--line);justify-content:space-between;gap:16px;padding:11px 0;font-size:15px;display:flex}.rows dt{color:var(--sub)}.rows dd{font-variant-numeric:tabular-nums;text-align:right;margin:0;font-weight:600}.rows dd small{color:var(--sub2);font-size:12px;font-weight:400;display:block}.rows .em dt,.rows .em dd{color:var(--ink);font-weight:700}.note{color:var(--sub);margin:12px 0 0;font-size:13px;line-height:1.55}.result .btn{width:100%;height:48px;margin-top:16px}.more{margin-top:14px;font-size:14px;font-weight:600;display:inline-block}.calc-prose{max-width:var(--max)}.calc-bar{z-index:30;padding:12px 20px calc(12px + env(safe-area-inset-bottom));border-top:1px solid var(--line);color:var(--ink);background:#fff;justify-content:space-between;align-items:center;gap:12px;transition:transform .2s;display:flex;position:fixed;bottom:0;left:0;right:0;transform:translateY(110%)}.calc-bar.on{transform:none}.calc-bar span{color:var(--sub);font-size:13px;font-weight:600}.calc-bar strong{letter-spacing:-.02em;font-variant-numeric:tabular-nums;text-align:right;font-size:19px}@media (width>=900px){.calc-bar{display:none}}