@layer theme{:root,:host{--font-sans:ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--spacing:.25rem;--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:var(--default-mono-font-family,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring{outline:auto}progress{vertical-align:baseline}summary{display:list-item}ol,ul,menu{list-style:none}img,svg,video,canvas,audio,iframe,embed,object{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,select,optgroup,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab, red, red)){::placeholder{color:color-mix(in oklab, currentcolor 50%, transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.start{inset-inline-start:var(--spacing)}}:root{--green:#123c32;--green2:#1d594b;--mint:#ddf3e8;--ivory:#f7f4ed;--coral:#ff795b;--ink:#18231f;--muted:#65716c;--line:#dce3df}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--ink);word-break:keep-all;background:#fff;margin:0;font-family:Pretendard,Noto Sans KR,Apple SD Gothic Neo,Arial,sans-serif;line-height:1.65}a{color:inherit;text-decoration:none}button,input{font:inherit}.site-header{z-index:20;-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);background:#fffffff0;border-bottom:1px solid #e7ebe8;height:72px;position:sticky;top:0}.nav-wrap{justify-content:space-between;align-items:center;max-width:1120px;height:100%;margin:auto;padding:0 24px;display:flex}.brand{letter-spacing:-.04em;align-items:center;gap:10px;font-size:18px;font-weight:650;display:flex}.brand b{color:var(--green2)}.brand-mark{background:var(--green);color:#fff;border-radius:11px;place-items:center;width:34px;height:34px;font-weight:800;display:grid}.site-header nav{gap:36px;font-size:14px;font-weight:600;display:flex}.site-header nav a:hover{color:var(--green2)}.hero{text-align:center;background:radial-gradient(circle at 50% 43%,#fff 0,#fff 33%,transparent 34%),var(--ivory);padding:72px 24px 36px}.eyebrow{color:#31594e;background:#e5efe9;border-radius:20px;align-items:center;gap:8px;padding:6px 13px;font-size:12px;font-weight:700;display:inline-flex}.eyebrow span{background:#3b8a70;border-radius:50%;width:6px;height:6px}.hero h1{letter-spacing:-.055em;margin:20px 0 14px;font-size:48px;line-height:1.23}.hero h1 em{color:var(--green2);font-style:normal}.hero-copy{color:#626b67;margin:0 0 34px;font-size:17px}.calculator-shell{text-align:left;background:#fff;border-radius:18px;grid-template-columns:1.15fr .85fr;max-width:850px;margin:auto;display:grid;overflow:hidden;box-shadow:0 18px 50px #1f39311f}.calc-inputs{padding:30px 34px}.calc-title{border-bottom:1px solid #edf0ee;justify-content:space-between;align-items:center;margin-bottom:22px;padding-bottom:18px;font-weight:800;display:flex}.calc-title small{color:#5c756c;background:#edf6f2;border-radius:12px;padding:3px 9px;font-size:11px}.calc-inputs label,.calc-inputs legend{font-size:14px;font-weight:700}.money-input{border:1.5px solid #cfd9d4;border-radius:10px;align-items:center;height:54px;margin-top:9px;padding:0 16px;display:flex}.money-input:focus-within{border-color:var(--green2);box-shadow:0 0 0 3px #dff1ea}.money-input input{width:100%;color:var(--green);background:0 0;border:0;outline:0;font-size:23px;font-weight:800}.money-input span{font-weight:700}.range{width:100%;accent-color:var(--green2);margin:16px 0 7px}.quick-buttons{grid-template-columns:repeat(5,1fr);gap:6px;display:grid}.quick-buttons button,.type-buttons button{border:1px solid var(--line);color:#64706b;cursor:pointer;background:#fff;border-radius:7px;padding:8px 4px;font-size:12px}.quick-buttons button.active,.type-buttons button.active{background:var(--green);border-color:var(--green);color:#fff}.calc-inputs fieldset{border:0;margin:24px 0 0;padding:0}.type-buttons{grid-template-columns:1fr 1fr;gap:8px;margin-top:9px;display:grid}.type-buttons button{justify-content:space-between;padding:13px 14px;display:flex}.type-buttons b{font-size:14px}.calc-inputs details{border-top:1px solid #edf0ee;margin-top:20px;padding-top:14px;font-size:12px}.calc-inputs summary{cursor:pointer;color:#62706a}.calc-inputs summary b{float:right;color:var(--green)}.calc-inputs details input{width:100%;accent-color:var(--green2)}.rate-labels{color:#7b8581;justify-content:space-between;display:flex}.calc-result{background:var(--green);color:#fff;flex-direction:column;justify-content:center;padding:34px;display:flex;position:relative;overflow:hidden}.calc-result:after{content:"";border:45px solid #ffffff06;border-radius:50%;width:220px;height:220px;position:absolute;bottom:-90px;right:-100px}.result-label{color:#bfd6ce;font-size:13px}.calc-result>strong{letter-spacing:-.04em;margin:7px 0 22px;font-size:30px}.result-line{background:#ffffff29;height:1px}.calc-result dl{margin:18px 0}.calc-result dl div{justify-content:space-between;margin:11px 0;font-size:13px;display:flex}.calc-result dt{color:#c3d3ce}.calc-result dd{margin:0;font-weight:700}.calc-result dd.accent{color:#87e1bf}.calc-result small{font-size:9px}.result-badge{z-index:1;background:#ffffff17;border:1px solid #ffffff17;border-radius:10px;justify-content:space-between;padding:13px 15px;font-size:11px;display:flex}.result-badge b{color:#a7e8cf}.source-note{color:#88908c;margin:18px 0 0;font-size:11px}.trust-strip{text-align:center;border-bottom:1px solid #edf0ee;grid-template-columns:repeat(4,1fr);max-width:1050px;margin:0 auto;padding:34px 24px;display:grid}.trust-strip div{border-right:1px solid #e5e9e7;flex-direction:column;display:flex}.trust-strip div:last-child{border:0}.trust-strip b{color:#7c8681;font-size:11px}.trust-strip strong{color:var(--green);letter-spacing:-.04em;font-size:21px}.trust-strip span{color:#929a96;font-size:11px}.content-section{max-width:1050px;margin:auto;padding:90px 24px}.intro-section{grid-template-columns:.75fr 1.8fr;gap:65px;display:grid}.section-heading>span{color:#4f8b77;font-size:12px;font-weight:800}.section-heading h2{letter-spacing:-.045em;margin:10px 0;font-size:30px;line-height:1.35}.feature-grid{grid-template-columns:repeat(3,1fr);gap:14px;display:grid}.feature-grid article{border:1px solid var(--line);border-radius:14px;min-height:240px;padding:25px 22px}.feature-grid article.featured{background:var(--green);color:#fff;border:0;transform:translateY(-13px)}.num{color:#70968a;font-size:12px;font-weight:800}.feature-grid h3{letter-spacing:-.04em;margin:45px 0 10px;font-size:18px}.feature-grid p{color:#73807b;margin:0;font-size:13px}.feature-grid .featured p{color:#c1d2cc}.guide-preview{background:#f8faf8;max-width:none;padding-left:max(24px,50vw - 501px);padding-right:max(24px,50vw - 501px)}.section-heading.horizontal{justify-content:space-between;align-items:end;margin-bottom:28px;display:flex}.text-link{color:var(--green2);font-size:13px;font-weight:700}.article-grid{grid-template-columns:repeat(3,1fr);gap:15px;display:grid}.article-grid>a{background:#fff;border:1px solid #e3e9e5;border-radius:14px;padding:24px;transition:all .2s}.article-grid>a:hover{transform:translateY(-4px);box-shadow:0 12px 25px #193c3114}.article-grid small{color:#4f8b77;font-weight:800}.article-grid h3{margin:15px 0;font-size:18px;line-height:1.45}.article-grid p{color:#737e7a;font-size:13px}.article-grid b{color:var(--green2);font-size:12px}.official-note{padding:65px 24px}.official-note>div{background:#f6f8f7;border-radius:14px;gap:20px;max-width:850px;margin:auto;padding:25px 30px;display:flex}.info-icon{width:27px;height:27px;color:var(--green);background:#d9e8e2;border-radius:50%;flex:0 0 27px;place-items:center;font-weight:900;display:grid}.official-note h2{margin:0 0 6px;font-size:16px}.official-note p{color:#68736f;margin:0 0 8px;font-size:12px}.official-note a{color:var(--green2);font-size:12px;font-weight:700}footer{color:#fff;background:#102d26;padding:52px 24px 24px}.footer-grid,.footer-bottom{max-width:1050px;margin:auto}.footer-grid{grid-template-columns:2fr 1fr 1fr;gap:55px;display:grid}.footer-grid>div{flex-direction:column;align-items:flex-start;display:flex}.footer-brand{margin-bottom:12px}.footer-grid p,.footer-grid a{color:#a9bbb5;margin:4px 0;font-size:12px}.footer-grid strong{margin-bottom:9px;font-size:13px}.footer-bottom{color:#7f9790;border-top:1px solid #ffffff17;justify-content:space-between;margin-top:40px;padding-top:18px;font-size:10px;display:flex}.page-hero{background:var(--ivory);text-align:center;padding:70px 24px 60px}.page-hero span{color:#4f8b77;font-size:12px;font-weight:800}.page-hero h1{letter-spacing:-.05em;margin:10px 0;font-size:42px}.page-hero p{color:#66716d;margin:0}.prose{max-width:780px;margin:auto;padding:65px 24px 90px}.prose h2{letter-spacing:-.04em;color:var(--green);margin:50px 0 14px;font-size:25px}.prose h2:first-child{margin-top:0}.prose h3{margin:30px 0 8px;font-size:18px}.prose p,.prose li{color:#56625d;font-size:15px}.prose li{margin:7px 0}.prose a{color:var(--green2);font-weight:700;text-decoration:underline}.data-table{border-collapse:collapse;width:100%;margin:20px 0 30px;font-size:14px}.data-table th,.data-table td{border:1px solid var(--line);text-align:left;padding:14px}.data-table th{color:var(--green);background:#edf5f1}.callout{color:#43524c;background:#eef7f3;border-left:4px solid #4f8b77;border-radius:0 10px 10px 0;margin:24px 0;padding:18px 20px}.faq-list details{border-bottom:1px solid var(--line);padding:20px 0}.faq-list summary{cursor:pointer;font-weight:750}.faq-list details p{padding:5px 0 0}.contact-card{background:var(--ivory);border-radius:14px;margin-top:25px;padding:28px}@media (max-width:800px){.site-header nav{display:none}.hero{padding-top:50px}.hero h1{font-size:36px}.calculator-shell{grid-template-columns:1fr;max-width:540px}.calc-result{min-height:330px}.trust-strip{grid-template-columns:repeat(2,1fr);gap:20px}.trust-strip div:nth-child(2){border:0}.intro-section{grid-template-columns:1fr;gap:40px}.feature-grid,.article-grid{grid-template-columns:1fr}.feature-grid article.featured{transform:none}.section-heading.horizontal{align-items:flex-start}.page-hero h1{font-size:34px}}@media (max-width:520px){.nav-wrap{padding:0 17px}.brand{font-size:16px}.hero{padding-left:15px;padding-right:15px}.hero h1{font-size:32px}.hero-copy{font-size:15px}.calc-inputs,.calc-result{padding:25px 20px}.quick-buttons button{font-size:10px}.calc-result>strong{font-size:27px}.trust-strip{padding-left:15px;padding-right:15px}.content-section{padding:65px 18px}.section-heading h2{font-size:27px}.section-heading.horizontal{display:block}.text-link{margin-top:12px;display:inline-block}.footer-grid{grid-template-columns:1fr 1fr;gap:35px}.footer-grid>div:first-child{grid-column:1/-1}.footer-bottom{display:block}.footer-bottom span{margin:5px 0;display:block}}.mobile-menu{display:none;position:relative}.mobile-menu summary{cursor:pointer;border:1px solid var(--line);border-radius:8px;padding:7px 12px;font-size:13px;font-weight:750;list-style:none}.mobile-menu summary::-webkit-details-marker{display:none}.mobile-menu>div{border:1px solid var(--line);background:#fff;border-radius:12px;flex-direction:column;width:180px;padding:10px;display:flex;position:absolute;top:44px;right:0;box-shadow:0 14px 30px #123c3224}.mobile-menu a{border-radius:7px;padding:9px 10px;font-size:13px}.mobile-menu a:hover{background:#edf5f1}@media (max-width:800px){.mobile-menu{display:block}}