:root{color-scheme:dark;--navy:#101b36;--navy-soft:#162443;--card:#1c2b4d;--card-light:#223456;--line:#304363;--text:#f4f7ff;--muted:#aebbd3;--blue:#91baff;--mint:#82e0c1;font-family:system-ui,-apple-system,"Noto Sans KR",sans-serif;color:var(--text);background:var(--navy);font-synthesis:none;text-rendering:optimizeLegibility}*{box-sizing:border-box}body{margin:0;min-height:100vh;background:radial-gradient(ellipse at 50% 0,#1b2d51 0,var(--navy) 58%)}button,input,select{font:inherit}.site-header{height:68px;max-width:1100px;margin:auto;padding:0 24px;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid #ffffff12}.brand{color:var(--text);text-decoration:none;font-size:18px;font-weight:750;letter-spacing:-.04em;display:flex;align-items:center;gap:9px}.brand-mark{display:grid;place-items:center;width:32px;height:32px;border-radius:10px;background:var(--blue);color:var(--navy);font-size:16px}.header-note{font-size:13px;color:var(--muted)}main{max-width:800px;margin:0 auto;padding:32px 20px 72px}.hero{text-align:center;margin:14px auto 27px;position:relative}.hero-spark{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:13px;background:#91baff1c;color:var(--blue);font-size:22px;margin-bottom:12px}.eyebrow{color:var(--mint);font-size:12px;font-weight:750;letter-spacing:.08em;margin:0 0 7px}.hero h1{font-size:clamp(26px,5vw,34px);line-height:1.25;letter-spacing:-.055em;margin:0 0 9px}.hero>p:last-child{font-size:15px;color:var(--muted);margin:0}.calculator{background:var(--card);border:1px solid #ffffff12;border-radius:22px;padding:12px 24px 20px;box-shadow:0 24px 72px #050b19a8}.tabs{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;padding:4px;background:#101b36;border-radius:15px}.tab{border:0;border-radius:11px;background:transparent;color:var(--muted);padding:11px 8px;display:flex;align-items:center;justify-content:center;gap:8px;font-size:15px;font-weight:700;cursor:pointer;transition:.18s}.tab:hover{color:var(--text);background:#ffffff09}.tab.active{color:var(--navy);background:var(--blue);box-shadow:0 4px 12px #0003}.tab-icon{font-size:19px;font-weight:800}.panel{padding:24px 2px 4px}.panel-heading{display:flex;align-items:center;gap:12px;margin:0 0 18px}.step-badge{width:34px;height:34px;flex:0 0 34px;display:grid;place-items:center;border-radius:12px;background:#82e0c11a;color:var(--mint);font-size:15px;font-weight:800}.panel-heading h2{font-size:20px;letter-spacing:-.035em;margin:0 0 2px}.panel-heading p{font-size:13px;color:var(--muted);margin:0}.mode-options{display:flex;gap:8px;flex-wrap:wrap;margin:0 0 14px}.choice{border:1px solid var(--line);border-radius:10px;background:#ffffff05;color:var(--muted);padding:10px 13px;font-size:13px;font-weight:700;cursor:pointer;transition:.15s}.choice:hover{border-color:#778bab;color:var(--text)}.choice.active{border-color:var(--blue);background:#91baff1b;color:#c7dcff}.choice small{display:block;font-size:10px;font-weight:500;color:var(--muted);margin-top:3px}.choice.active small{color:#b3c8e8}.calc-card{padding:19px;background:var(--navy-soft);border:1px solid #ffffff0e;border-radius:16px}.prompt{font-size:14px;font-weight:650;color:#e6edfc;margin-bottom:15px}.input-row{display:grid;grid-template-columns:minmax(0,1fr) 28px minmax(0,1fr);gap:11px;align-items:end}.input-row label,.input-grid label{display:grid;gap:8px;color:var(--muted);font-size:12px;font-weight:650}.operator{align-self:center;padding-top:18px;text-align:center;color:var(--blue);font-size:17px;font-weight:800}.input-row input,.input-grid input,.input-grid select{height:48px;width:100%;min-width:0;border:1px solid #3a4c6e;border-radius:10px;padding:0 12px;background:#0f1b34;color:var(--text);font-size:16px;outline:none;transition:.15s}.input-row input:focus,.input-grid input:focus,.input-grid select:focus{border-color:var(--blue);box-shadow:0 0 0 3px #91baff22}.input-row input::placeholder,.input-grid input::placeholder{color:#7484a0}.example{font-size:12px;color:#8493ad;margin:13px 0 0}.input-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.field-note{color:#8493ad;font-size:11px;font-weight:450;line-height:1.5}.actions{display:grid;grid-template-columns:.72fr 1.28fr;gap:10px;margin-top:16px}.actions button{min-height:52px;border-radius:12px;font-size:15px;font-weight:750;cursor:pointer;transition:.15s}.reset{background:#ffffff08;border:1px solid var(--line);color:#c4cee0}.reset:hover{background:#ffffff12;color:#fff}.calculate{background:var(--mint);border:1px solid var(--mint);color:#102d32;box-shadow:0 7px 20px #82e0c123;display:flex;align-items:center;justify-content:center;gap:10px}.calculate:hover{filter:brightness(1.06);transform:translateY(-1px)}.calculate span:last-child{font-size:19px}.precision{color:#8493ad;font-size:11px;line-height:1.7;text-align:center;margin:15px 6px 0}.result{white-space:pre-line;margin:15px 0 0;padding:17px;border:1px solid #82e0c14a;border-radius:14px;background:#82e0c10d;color:#e8fff5;font-size:15px;font-weight:650;line-height:1.7}.result-lines p{margin:7px 0}.result-lines>strong,.loan-result>strong{font-size:17px}.result-note{color:#aebbd3;font-size:11px;font-weight:450;line-height:1.65;margin:10px 0 0}.summary-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:8px;margin:15px 0}.summary-grid>div{display:grid;gap:7px;border:1px solid #344969;border-radius:10px;padding:12px 10px;background:#ffffff05}.summary-grid span{font-size:11px;color:var(--muted)}.summary-grid strong{font-size:14px;color:var(--mint);overflow-wrap:anywhere}.table-wrap{max-height:340px;overflow:auto;margin-top:13px;background:#111e39;border:1px solid var(--line);border-radius:10px}.table-wrap table{width:100%;border-collapse:collapse;font-size:12px;font-weight:450;white-space:nowrap}.table-wrap th,.table-wrap td{text-align:right;padding:9px 10px;border-bottom:1px solid #ffffff0c}.table-wrap th{position:sticky;top:0;background:#223456;color:#d7e4fa}.table-wrap th:first-child,.table-wrap td:first-child{text-align:left}.table-wrap tbody tr:last-child td{border-bottom:0}.guide,.faq{max-width:740px;margin:51px auto 0;color:var(--muted);line-height:1.8}.guide h2,.faq h2{font-size:21px;color:var(--text);letter-spacing:-.035em;margin:0 0 15px}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:11px}.guide-grid article{padding:16px;background:#ffffff06;border:1px solid #ffffff12;border-radius:14px}.guide-icon{display:grid;place-items:center;width:30px;height:30px;border-radius:10px;background:#91baff1a;color:var(--blue);font-weight:800;margin-bottom:11px}.guide-grid h3{font-size:14px;color:var(--text);margin:0 0 4px}.guide-grid p{font-size:12px;line-height:1.7;margin:0}.guide-note{font-size:12px;padding:13px 15px;border-left:2px solid #91baff70;background:#ffffff05;border-radius:0 8px 8px 0}.faq details{border-bottom:1px solid #ffffff16;padding:13px 2px}.faq summary{cursor:pointer;color:#e3eafb;font-size:14px;font-weight:650}.faq details p{font-size:12px;margin:9px 0 0}.faq h2{margin-bottom:10px}footer{border-top:1px solid #ffffff12;padding:22px 20px 27px;text-align:center;color:#8291ab;font-size:12px}footer nav{display:flex;justify-content:center;gap:20px}footer a{color:inherit;text-decoration:none}footer a:hover{color:var(--text)}footer p{margin:10px 0 0}[hidden]{display:none!important}button:focus-visible,a:focus-visible,summary:focus-visible{outline:3px solid #91baff;outline-offset:3px}
@media(max-width:600px){.site-header{height:60px;padding:0 16px}.header-note{font-size:11px}main{padding:23px 14px 53px}.hero{margin-top:11px}.hero>p:last-child{font-size:13px}.calculator{padding:10px 13px 16px;border-radius:18px}.tabs{gap:4px}.tab{font-size:13px;gap:5px;padding:10px 4px}.tab-icon{font-size:16px}.panel{padding-top:20px}.panel-heading h2{font-size:18px}.panel-heading p{font-size:12px}.mode-options{gap:6px}.choice{padding:9px 10px;font-size:12px}.choice small{font-size:9px}.calc-card{padding:15px 13px}.input-row{gap:7px;grid-template-columns:minmax(0,1fr) 20px minmax(0,1fr)}.input-row input,.input-grid input,.input-grid select{height:45px;padding:0 9px;font-size:14px}.input-row label,.input-grid label{font-size:11px;gap:7px}.input-grid{gap:13px 10px}.loan-modes .choice{flex:1 1 calc(50% - 6px)}.actions{grid-template-columns:.8fr 1.2fr}.actions button{min-height:49px;font-size:14px}.summary-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.guide-grid{grid-template-columns:1fr}.guide-grid article{display:grid;grid-template-columns:34px 1fr;column-gap:10px;align-items:center;padding:12px}.guide-icon{grid-row:span 2;margin:0}.guide-grid h3{margin:0}.guide-grid p{grid-column:2}.guide,.faq{margin-top:40px}.guide h2,.faq h2{font-size:19px}footer nav{gap:14px}}
.percent-modes .choice{flex:1 1 calc(50% - 8px);text-align:left}.percent-modes .choice.active{background:#91baff1b}.more-costs{margin-top:17px;padding-top:14px;border-top:1px solid #ffffff14}.more-costs summary{color:#c5d5f0;cursor:pointer;font-size:13px;font-weight:700}.more-costs summary span{font-weight:450;color:#8493ad}.extra-costs{padding-top:15px}.guide-grid{align-items:stretch}
:root{color-scheme:light;--outer:#f4f6fa;--outerText:#1e293b;--outerMuted:#64748b}body{background:radial-gradient(ellipse at 50% 0,#fff 0,var(--outer) 62%);color:var(--outerText)}.site-header{border-bottom-color:#dfe5ee}.brand{color:#152342}.brand-mark{background:#182b50;color:#fff}.header-note{color:var(--outerMuted)}.header-tools{display:flex;align-items:center;gap:16px}.language-picker select{border:1px solid #cbd5e1;border-radius:9px;background:#fff;color:#1e293b;padding:8px 30px 8px 10px;font-size:13px;font-weight:650;cursor:pointer}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.hero h1{color:#17233e}.hero>p:last-child{color:#61708a}.eyebrow{color:#13856a}.hero-spark{background:#1a2c5012;color:#243d69}.calculator{background:#162443;border-color:#263958}.choice{background:#30466d;border-color:#7186a9;color:#f2f6ff}.choice:hover{background:#3a527d;border-color:#a7bddf;color:#fff}.choice.active{background:#82e0c1;border-color:#b1ffe4;color:#102b32}.choice.active small{color:#254d4d}.reset{background:#edf2f9;border:1px solid #fff;color:#17284a}.reset:hover{background:#fff;color:#101b36}.guide,.faq{color:#55647b}.guide h2,.faq h2{color:#17233e}.guide-grid article{background:#fff;border-color:#dfe5ee;box-shadow:0 5px 18px #18294b08}.guide-icon{background:#eaf0fa;color:#263d66}.guide-grid h3{color:#1c2a46}.guide-note{background:#eaf0fa;color:#455774;border-left-color:#647fae}.faq details{border-bottom-color:#d8e0eb}.faq summary{color:#223452}.faq details p{color:#5f6d82}.faq h2{color:#17233e}footer{border-top-color:#dfe5ee;color:#64748b}footer a:hover{color:#17233e}
@media(max-width:600px){.header-tools{gap:8px}.header-note{display:none}.language-picker select{padding:7px 24px 7px 8px;font-size:12px}.calculator{box-shadow:0 18px 48px #18294b18}}
@media(max-width:380px){.site-header{padding:0 12px}.brand{font-size:13px;letter-spacing:-.045em;gap:6px}.brand-mark{width:26px;height:26px;font-size:14px}.header-tools{gap:5px}.language-picker select{padding:6px 19px 6px 7px;font-size:11px}}
@media(min-width:381px) and (max-width:600px){.brand{font-size:14px;letter-spacing:-.04em;gap:6px}.brand-mark{width:28px;height:28px;font-size:13px}}
.brand-mark{color:#f4d35e;font-size:13px;font-weight:850;letter-spacing:-1px;width:36px;height:36px;border-radius:12px}.brand{gap:8px}
@media(max-width:600px){.brand-mark{width:30px;height:30px;font-size:11px;border-radius:10px}}
@media(max-width:380px){.brand-mark{width:26px;height:26px;font-size:10px;border-radius:9px}}
.site-logo{display:block;width:236px;height:auto;max-width:100%}
@media(max-width:600px){.site-logo{width:210px}}
@media(max-width:380px){.site-logo{width:182px}}
.hero{margin:10px auto 17px}.hero h1{font-size:29px}.hero>p:last-child{font-size:14px}
.result{background:#91baff;border:1.5px solid #f4d35e;color:#14213d;font-size:22px;font-weight:750;box-shadow:0 8px 24px #101b3628}.result-lines>strong,.loan-result>strong{display:block;color:#14213d;font-size:22px}.result-lines p:not(.result-note){font-size:22px;color:#14213d}.result .result-note{color:#344766;font-size:12px}.result .summary-grid strong{font-size:19px;color:#14213d}.result .summary-grid span{color:#465a7a}
@media(max-width:600px){main{padding-top:10px}.hero{margin:6px auto 12px}.hero h1{font-size:24px;margin-bottom:4px}.hero>p:last-child{font-size:12px;line-height:1.45}.calculator{padding-top:8px;padding-bottom:13px}.panel{padding-top:15px}.panel-heading{margin-bottom:10px}.panel-heading h2{font-size:20px}.mode-options{margin-bottom:10px}.percent-modes .choice{padding:8px 9px}.calc-card{padding:13px 11px}.prompt{margin-bottom:10px}.input-row input,.input-grid input,.input-grid select{height:42px}.example{margin-top:9px}.actions{margin-top:12px}.precision{margin-top:10px;font-size:10px}.result{font-size:20px}.result-lines>strong,.loan-result>strong,.result-lines p:not(.result-note){font-size:20px}.result .summary-grid strong{font-size:17px}}
.calculator .panel-heading h2{color:#f4f7ff;font-size:22px}.calculator .panel-heading p{color:#c3cee2;font-size:14px}.calculator .step-badge{background:#34496c;color:#b9d5ff}.calculator .percent-modes .choice.active{background:#82e0c1;border-color:#ffe27a;color:#102b32;box-shadow:0 0 0 1px #ffe27a}.calculator .percent-modes .choice{font-size:14px}
.calculator .input-row input,.calculator .input-grid input,.calculator .input-grid select{border:1.5px solid #f4d35e}.calculator .input-row input:focus,.calculator .input-grid input:focus,.calculator .input-grid select:focus{border-color:#ffe27a;box-shadow:0 0 0 3px #f4d35e35}
.calculator .reset{border:1.5px solid #f4d35e}.calculator .calculate{border:1.5px solid #f4d35e}.calculator .reset:hover,.calculator .calculate:hover{box-shadow:0 0 0 2px #f4d35e42}
@media(max-width:600px){.calculator .panel-heading h2{font-size:20px}.calculator .panel-heading p{font-size:13px}.calculator .percent-modes .choice{font-size:12px}}
.legal-page{max-width:760px;min-height:55vh;line-height:1.75}.legal-page h1{color:#17233e;letter-spacing:-.04em}.legal-page h2{margin:30px 0 8px;color:#17233e;font-size:19px}.legal-page p{color:#55647a}.legal-page a{color:#244c8a;text-underline-offset:3px}.legal-page a:hover{color:#14284c}.footer-note{font-size:11px;line-height:1.6}.site-header .site-logo{display:block;width:236px;height:auto}@media(max-width:600px){.legal-page{min-height:60vh}.legal-page h2{font-size:17px}footer nav{flex-wrap:wrap}}