:root{--ink:#17211b;--muted:#5c6961;--line:#d7ded9;--paper:#fff;--canvas:#f5f7f4;--soft:#edf2ee;--blue:#185d8f;--blue-dark:#11476e;--green:#23704a;--green-soft:#e5f2ea;--amber:#9a5c00;--amber-soft:#fff1d4;--red:#a23838;--red-soft:#fbe7e5;--focus:#0b6fc2}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--canvas);color:var(--ink);letter-spacing:0;margin:0;font-family:Arial,Noto Sans KR,sans-serif}button,input{font:inherit}button,a{-webkit-tap-highlight-color:transparent}a{color:var(--blue-dark)}button{cursor:pointer}:focus-visible{outline:3px solid var(--focus);outline-offset:3px}.skipLink{z-index:100;background:var(--ink);color:#fff;padding:12px 16px;position:fixed;top:-80px;left:16px}.skipLink:focus{top:12px}.siteHeader{z-index:50;border-bottom:1px solid var(--line);background:#fffffff7;position:sticky;top:0}.headerInner{align-items:center;gap:24px;width:min(1180px,100% - 32px);min-height:66px;margin:0 auto;display:flex}.brand{color:var(--ink);white-space:nowrap;align-items:center;gap:10px;text-decoration:none;display:inline-flex}.brand>span{background:var(--ink);color:#fff;border-radius:7px;place-items:center;width:34px;height:34px;font-weight:900;display:grid}.brand strong{font-size:19px}.primaryNav{align-items:stretch;min-height:66px;margin-left:auto;display:flex}.primaryNav a{color:#3d4b43;white-space:nowrap;border-bottom:3px solid #0000;align-items:center;padding:0 11px;font-size:14px;font-weight:700;text-decoration:none;display:inline-flex}.primaryNav a:hover{background:var(--soft);color:var(--ink)}.primaryNav a[aria-current=page]{border-bottom-color:var(--blue);color:var(--blue-dark)}.menuButton{border:1px solid var(--line);min-width:48px;min-height:44px;color:var(--ink);background:#fff;border-radius:7px;margin-left:auto;font-weight:800;display:none}.homePage,.seoPage,.infoPage,.notFound{width:min(1180px,100% - 32px);margin:0 auto}.hero{grid-template-columns:minmax(0,1.25fr) minmax(320px,.75fr);align-items:center;gap:70px;min-height:590px;padding:72px 0 58px;display:grid}.heroCopy{max-width:730px}.eyebrow{color:var(--blue-dark);text-transform:uppercase;margin:0 0 14px;font-size:13px;font-weight:900}h1,h2,h3,p{overflow-wrap:anywhere}h1{letter-spacing:0;margin:0;font-size:clamp(42px,5.2vw,70px);line-height:1.08}.heroCopy>p:not(.eyebrow){max-width:660px;color:var(--muted);margin:24px 0 0;font-size:19px;line-height:1.75}.trustLine{color:#34433a;flex-wrap:wrap;gap:10px 20px;margin:24px 0;font-size:14px;font-weight:800;display:flex}.trustLine span:before{content:"✓";color:var(--green);margin-right:7px}.primaryButton,.secondaryButton{border:1px solid #0000;border-radius:7px;justify-content:center;align-items:center;min-height:50px;padding:0 19px;font-weight:850;text-decoration:none;display:inline-flex}.primaryButton{background:var(--blue-dark);color:#fff}.primaryButton:hover{background:#0c3858}.secondaryButton{border-color:var(--line);color:var(--ink);background:#fff}.secondaryButton:hover{background:var(--soft)}.signalPanel{border-top:5px solid var(--blue);background:var(--paper);padding:28px;box-shadow:0 14px 36px #17211b14}.panelLabel,.signalPanel>span{color:var(--blue-dark);margin-bottom:10px;font-size:13px;font-weight:900;display:block}.signalPanel>strong{font-size:25px;line-height:1.35;display:block}.signalPanel dl{border-top:1px solid var(--line);margin:22px 0}.signalPanel dl div{border-bottom:1px solid var(--line);justify-content:space-between;gap:20px;padding:13px 0;display:flex}.signalPanel dt{color:var(--muted)}.signalPanel dd{margin:0;font-weight:900}.signalPanel a{font-weight:800}.calculatorSection{padding:42px 0 64px;scroll-margin-top:82px}.sectionHeading{justify-content:space-between;align-items:end;gap:28px;margin-bottom:24px;display:flex}.sectionHeading h2{max-width:720px;margin:0;font-size:36px;line-height:1.2}.calculatorHeading>p{max-width:390px;color:var(--muted);margin:0;line-height:1.65}.workspace{border:1px solid var(--line);background:var(--paper)}.tabs{border-bottom:1px solid var(--line);background:#f0f3f0;grid-template-columns:repeat(5,minmax(0,1fr));display:grid}.tabs button{border:0;border-right:1px solid var(--line);min-height:70px;color:var(--muted);background:0 0;border-bottom:4px solid #0000;padding:9px 6px}.tabs button:last-child{border-right:0}.tabs button:hover{background:#e7ece8}.tabs button.active{border-bottom-color:var(--blue);color:var(--ink);background:#fff}.tabs button span,.tabs button small{display:block}.tabs button span{font-size:16px;font-weight:900}.tabs button small{margin-top:4px;font-size:11px}.calculatorContext{border-bottom:1px solid var(--line);justify-content:space-between;align-items:center;gap:30px;min-height:86px;padding:18px 24px;display:flex}.calculatorContext div span,.calculatorContext div strong{display:block}.calculatorContext div span{color:var(--muted);margin-bottom:5px;font-size:12px;font-weight:800}.calculatorContext div strong{font-size:19px}.calculatorContext p{max-width:470px;color:var(--muted);text-align:right;margin:0;line-height:1.6}.calculator{grid-template-columns:minmax(360px,.8fr) minmax(0,1.2fr);display:grid}.inputs{border-right:1px solid var(--line);align-content:start;gap:16px;margin:0;padding:28px;display:grid}.inputIntro{padding-bottom:4px}.inputIntro h3{margin:0 0 8px;font-size:23px}.inputIntro p{color:var(--muted);margin:0;font-size:14px;line-height:1.55}.field{gap:7px;display:grid}.field label{color:#334139;font-size:14px;font-weight:800}.inputWrap{background:#fff;border:1px solid #bac5bd;border-radius:7px;grid-template-columns:minmax(0,1fr) auto;align-items:center;min-height:52px;display:grid;overflow:hidden}.inputWrap:focus-within{border-color:var(--focus);box-shadow:0 0 0 2px #0b6fc226}.inputWrap input{width:100%;min-width:0;color:var(--ink);background:0 0;border:0;outline:0;padding:13px 14px;font-size:18px;font-weight:800}.inputWrap span{color:var(--muted);padding:0 14px;font-size:14px;font-weight:700}.fieldError .inputWrap{border-color:var(--red)}.fieldMessage,.combinationError{color:var(--red);margin:0;font-size:13px;line-height:1.45}.combinationError{border-left:4px solid var(--red);background:var(--red-soft);padding:12px}.formActions{grid-template-columns:1fr 1fr;gap:10px;padding-top:4px;display:grid}.results{background:#fbfcfb;outline:none;align-content:start;gap:22px;min-width:0;padding:28px;display:grid}.results:focus-visible{box-shadow:inset 0 0 0 3px var(--focus)}.printMeta{display:none}.verdict{border-left:5px solid var(--green);background:#fff;padding:22px}.verdict.watch{border-left-color:var(--amber)}.verdict.danger{border-left-color:var(--red)}.verdictTop{justify-content:space-between;align-items:center;gap:16px;display:flex}.statusPill{background:var(--green-soft);min-height:28px;color:var(--green);border-radius:999px;align-items:center;padding:0 10px;font-size:12px;font-weight:900;display:inline-flex}.statusPill.watch{background:var(--amber-soft);color:var(--amber)}.statusPill.danger{background:var(--red-soft);color:var(--red)}.scoreText{color:var(--muted);font-size:12px;font-weight:800}.verdict h2,.invalidResult h2{margin:14px 0 10px;font-size:29px;line-height:1.25}.verdict p,.invalidResult>p{color:var(--muted);margin:0;line-height:1.7}.reasonPanel h3,.conditionBlock h3,.nextActions h3{margin:0 0 12px;font-size:17px}.reasonPanel ol,.conditionBlock ul,.nextActions ul{gap:9px;margin:0;padding-left:22px;line-height:1.6;display:grid}.metricsGrid{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;display:grid}.metric{border:1px solid var(--line);background:#fff;min-width:0;padding:15px}.metric span,.metric strong{display:block}.metric span{color:var(--muted);font-size:12px;font-weight:800}.metric strong{overflow-wrap:anywhere;margin-top:7px;font-size:21px;line-height:1.3}.conditionsGrid{border-top:1px solid var(--line);border-bottom:1px solid var(--line);grid-template-columns:repeat(3,minmax(0,1fr));display:grid}.conditionBlock{min-width:0;padding:18px 16px}.conditionBlock+.conditionBlock{border-left:1px solid var(--line)}.conditionBlock h3:before{content:"●";color:var(--green);margin-right:8px;font-size:10px}.conditionBlock.caution h3:before{color:var(--amber)}.conditionBlock.negative h3:before{color:var(--red)}.conditionBlock ul{padding-left:19px;font-size:13px}.conditionBlock p{color:var(--muted);margin:0;font-size:13px;line-height:1.55}.nextActions{background:var(--soft);padding:20px}.calculationDetails{border-top:1px solid var(--line);padding-top:18px}.calculationDetails summary{cursor:pointer;font-weight:850}.calculationDetails dl{grid-template-columns:repeat(2,minmax(0,1fr));gap:8px 20px;margin:18px 0;display:grid}.calculationDetails dl div{border-bottom:1px solid var(--line);justify-content:space-between;gap:12px;padding-bottom:7px;display:flex}.calculationDetails dt{color:var(--muted)}.calculationDetails dd{text-align:right;margin:0;font-weight:800}.calculationDetails p{color:var(--muted);margin:0;font-size:14px;line-height:1.7}.invalidResult{align-content:center;justify-items:start;min-height:330px}.resultActions{border-top:1px solid var(--line);flex-wrap:wrap;align-items:center;gap:8px;padding:18px 24px;display:flex}.resultActions button{border:1px solid var(--line);min-height:44px;color:var(--ink);background:#fff;border-radius:7px;padding:0 14px;font-weight:750}.resultActions button:hover{background:var(--soft)}.actionNotice{color:var(--muted);flex:100%;margin:4px 0 0;font-size:13px}.calculatorDisclaimer,.pageDisclaimer{color:var(--muted);margin:16px 0 0;font-size:13px;line-height:1.65}.calculatorDirectory{border-top:1px solid var(--line);padding:70px 0}.directoryGrid{border:1px solid var(--line);background:#fff;grid-template-columns:repeat(5,minmax(0,1fr));display:grid}.directoryItem{border-right:1px solid var(--line);min-width:0;min-height:180px;color:var(--ink);flex-direction:column;padding:22px;text-decoration:none;display:flex}.directoryItem:last-child{border-right:0}.directoryItem:hover{background:var(--soft)}.directoryItem strong{font-size:20px}.directoryItem span{color:var(--muted);margin-top:12px;font-size:14px;line-height:1.6}.directoryItem small{color:var(--blue-dark);margin-top:auto;font-weight:850}.privacyBand{border-top:1px solid var(--line);border-bottom:1px solid var(--line);grid-template-columns:1fr 1fr auto;align-items:center;gap:36px;margin-bottom:80px;padding:34px 0;display:grid}.privacyBand h2{margin:0;font-size:28px}.privacyBand>p{color:var(--muted);margin:0;line-height:1.65}.privacyBand>a{white-space:nowrap;font-weight:850}.seoPage{padding-bottom:80px}.seoHero{border-bottom:1px solid var(--line);grid-template-columns:minmax(0,1.25fr) minmax(300px,.75fr);align-items:center;gap:60px;min-height:480px;padding:58px 0;display:grid}.seoHero h1{max-width:800px;font-size:clamp(40px,5vw,64px)}.seoHero>div>p:not(.eyebrow){max-width:720px;color:var(--muted);margin:20px 0 0;font-size:18px;line-height:1.75}.seoHero>div>small{color:var(--muted);margin-top:14px;display:block}.seoHero aside{border-top:4px solid var(--green);background:#fff;padding:26px}.seoHero aside span{color:var(--green);font-size:13px;font-weight:900;display:block}.seoHero aside strong{margin:11px 0;font-size:23px;line-height:1.4;display:block}.seoHero aside p{color:var(--muted);margin:0;line-height:1.65}.guideSection{border-bottom:1px solid var(--line);padding:54px 0}.guideSection h2,.relatedSection h2,.seoCta h2{margin:0 0 16px;font-size:32px}.guideSection>p{max-width:800px;color:var(--muted);line-height:1.7}.guideSection ul{gap:10px;margin:0;padding-left:22px;line-height:1.65;display:grid}.twoColumns{grid-template-columns:1fr 1fr;gap:70px;display:grid}.criteriaGrid{border:1px solid var(--line);background:#fff;grid-template-columns:repeat(3,minmax(0,1fr));margin-top:28px;display:grid}.criteriaGrid article{border-right:1px solid var(--line);min-width:0;padding:24px}.criteriaGrid article:last-child{border-right:0}.criteriaGrid span{color:var(--blue-dark);font-size:12px;font-weight:900}.criteriaGrid p{margin:10px 0 0;line-height:1.65}.textLink{margin-top:20px;font-weight:850;display:inline-block}.exampleTable>div{border:1px solid var(--line);background:#fff;grid-template-columns:repeat(3,minmax(0,1fr));display:grid}.exampleTable article{border-right:1px solid var(--line);min-width:0;padding:24px}.exampleTable article:last-child{border-right:0}.exampleTable span{color:var(--muted);font-size:13px;font-weight:850}.exampleTable strong{margin:10px 0;font-size:23px;display:block}.exampleTable p{color:var(--muted);margin:0;line-height:1.65}.faqSection details{border-top:1px solid var(--line);background:#fff}.faqSection details:last-child{border-bottom:1px solid var(--line)}.faqSection summary{cursor:pointer;padding:20px;font-weight:850}.faqSection details p{color:var(--muted);margin:0;padding:0 20px 20px;line-height:1.7}.relatedSection{padding:54px 0}.relatedSection>div:last-child{border:1px solid var(--line);background:#fff;grid-template-columns:repeat(3,minmax(0,1fr));display:grid}.relatedSection a{border-right:1px solid var(--line);min-width:0;min-height:120px;color:var(--ink);flex-direction:column;gap:9px;padding:20px;text-decoration:none;display:flex}.relatedSection a:last-child{border-right:0}.relatedSection a:hover{background:var(--soft)}.relatedSection a span{color:var(--muted);line-height:1.5}.seoCta{background:var(--ink);color:#fff;justify-content:space-between;align-items:center;gap:30px;padding:34px;display:flex}.seoCta h2{color:#fff}.seoCta p{color:#cbd4ce;max-width:740px;margin:0;line-height:1.65}.seoCta .primaryButton{color:var(--ink);white-space:nowrap;background:#fff}.infoPage{max-width:900px;padding-bottom:80px}.infoHero{border-bottom:1px solid var(--line);padding:64px 0 42px}.infoHero h1{font-size:clamp(40px,5vw,58px)}.infoHero>p:not(.eyebrow){max-width:760px;color:var(--muted);margin:20px 0 14px;font-size:18px;line-height:1.75}.infoHero small{color:var(--muted)}.infoContent section{border-bottom:1px solid var(--line);padding:34px 0}.infoContent h2{margin:0 0 14px;font-size:27px}.infoContent p,.infoContent li{line-height:1.8}.infoContent p{color:#344139}.infoContent ul,.infoContent ol{gap:8px;padding-left:24px;display:grid}.notFound{flex-direction:column;justify-content:center;align-items:start;min-height:62vh;display:flex}.notFound h1{max-width:720px;font-size:clamp(40px,5vw,62px)}.notFound>p:not(.eyebrow){max-width:600px;color:var(--muted);font-size:18px;line-height:1.7}.siteFooter{color:#eef2ef;background:#17211b;border-top:1px solid #354039}.footerInner{grid-template-columns:2fr 1fr 1fr;gap:70px;width:min(1180px,100% - 32px);margin:0 auto;padding:48px 0;display:grid}.footerBrand strong{font-size:24px}.footerBrand p{color:#b8c3bc;max-width:520px;line-height:1.7}.footerBrand span{color:#b8c3bc;margin-top:7px;font-size:13px;display:block}.footerInner nav{align-content:start;gap:12px;display:grid}.footerInner nav strong{margin-bottom:4px}.footerInner nav a{color:#cfd8d2;text-decoration:none}.footerInner nav a:hover{color:#fff;text-decoration:underline}.footerBottom{color:#99a69e;border-top:1px solid #354039;justify-content:space-between;gap:20px;width:min(1180px,100% - 32px);margin:0 auto;padding:19px 0 24px;font-size:12px;display:flex}@media (width<=1040px){.primaryNav a{padding:0 7px;font-size:13px}.hero{gap:38px}.calculator{grid-template-columns:370px minmax(0,1fr)}.conditionsGrid{grid-template-columns:1fr}.conditionBlock+.conditionBlock{border-left:0;border-top:1px solid var(--line)}.directoryGrid{grid-template-columns:repeat(3,1fr)}.directoryItem{border-bottom:1px solid var(--line)}.directoryItem:nth-child(3){border-right:0}.privacyBand{grid-template-columns:1fr 1fr}.privacyBand>a{grid-column:1/-1}}@media (width<=820px){.headerInner{min-height:62px}.menuButton{justify-content:center;align-items:center;display:inline-flex}.primaryNav{border-bottom:1px solid var(--line);background:#fff;min-height:0;padding:8px 16px 14px;display:none;position:absolute;top:62px;left:0;right:0;box-shadow:0 14px 28px #17211b1f}.primaryNav.open{grid-template-columns:repeat(2,1fr);display:grid}.primaryNav a{border:0;border-left:3px solid #0000;min-height:48px;padding:0 14px}.primaryNav a[aria-current=page]{border-left-color:var(--blue);background:var(--soft);border-bottom:0}.hero,.seoHero{grid-template-columns:1fr;gap:36px;min-height:0;padding:52px 0}.calculatorHeading,.sectionHeading{flex-direction:column;align-items:start}.tabs{grid-template-columns:repeat(5,minmax(128px,1fr));overflow-x:auto}.calculatorContext{flex-direction:column;align-items:start;gap:8px}.calculatorContext p{text-align:left}.calculator{grid-template-columns:1fr}.inputs{border-right:0;border-bottom:1px solid var(--line)}.results{scroll-margin-top:72px}.directoryGrid{grid-template-columns:repeat(2,1fr)}.directoryItem:nth-child(3){border-right:1px solid var(--line)}.directoryItem:nth-child(2n){border-right:0}.privacyBand,.twoColumns{grid-template-columns:1fr;gap:22px}.criteriaGrid,.exampleTable>div,.relatedSection>div:last-child{grid-template-columns:1fr}.criteriaGrid article,.exampleTable article,.relatedSection a{border-right:0;border-bottom:1px solid var(--line)}.criteriaGrid article:last-child,.exampleTable article:last-child,.relatedSection a:last-child{border-bottom:0}.seoCta{flex-direction:column;align-items:start}.footerInner{grid-template-columns:1fr 1fr;gap:40px}.footerBrand{grid-column:1/-1}}@media (width<=540px){.homePage,.seoPage,.infoPage,.notFound{width:min(100% - 20px,500px)}.headerInner,.footerInner,.footerBottom{width:calc(100% - 20px)}h1{font-size:39px}.hero{padding:38px 0 44px}.heroCopy>p:not(.eyebrow){font-size:16px}.trustLine{display:grid}.signalPanel{padding:22px}.sectionHeading h2{font-size:29px}.calculatorSection{padding-top:28px}.tabs{grid-template-columns:repeat(5,112px)}.tabs button{min-height:64px}.calculatorContext,.inputs,.results{padding:18px}.formActions{grid-template-columns:1fr}.verdict{padding:17px}.verdictTop{flex-direction:column;align-items:start;gap:8px}.verdict h2,.invalidResult h2{font-size:24px}.metricsGrid,.calculationDetails dl{grid-template-columns:1fr}.resultActions{padding:14px}.resultActions button{flex:calc(50% - 8px)}.directoryGrid{grid-template-columns:1fr}.directoryItem{min-height:145px;border-right:0!important}.privacyBand{margin-bottom:56px}.seoHero h1,.infoHero h1{font-size:38px}.guideSection{padding:40px 0}.guideSection h2,.relatedSection h2,.seoCta h2{font-size:27px}.seoCta{padding:24px}.footerInner{grid-template-columns:1fr;gap:34px}.footerBrand{grid-column:auto}.footerBottom{flex-direction:column;align-items:start}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}@media print{@page{margin:14mm}body{color:#000;background:#fff}.siteHeader,.siteFooter,.hero,.calculatorHeading,.tabs,.calculatorContext,.formActions,.resultActions,.calculatorDirectory,.privacyBand,.calculatorDisclaimer{display:none!important}.homePage{width:100%}.calculatorSection{padding:0}.workspace{border:0}.calculator{display:block}.inputs{border:0;grid-template-columns:repeat(2,1fr);padding:0 0 18px}.inputIntro{grid-column:1/-1}.inputWrap{min-height:38px}.results{background:#fff;padding:0;display:block}.results>*{break-inside:avoid;margin-bottom:16px}.conditionsGrid{grid-template-columns:repeat(3,1fr);display:grid}.conditionBlock+.conditionBlock{border-top:0;border-left:1px solid #aaa}.calculationDetails{display:block}.calculationDetails summary{list-style:none}.calculationDetails summary:after{content:" · " attr(data-print)}a{color:#000;text-decoration:none}.printMeta{border-top:1px solid #999;margin-top:18px;padding-top:10px;font-size:11px;display:block}}
