:root{--ink:#14213d;--muted:#617080;--paper:#fff;--soft:#f4f7fa;--line:#dce3e8;--brand:#075985;--brand2:#0e7490;--accent:#f59e0b;--max:1180px}*{box-sizing:border-box}html{font-family:Pretendard,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);scroll-behavior:smooth}body{margin:0;line-height:1.72}a{color:inherit;text-decoration:none}a:hover{color:var(--brand)}img{max-width:100%;height:auto}.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:10px;z-index:50}.site-header{border-top:5px solid var(--brand);border-bottom:1px solid var(--line);background:rgba(255,255,255,.96);position:sticky;top:0;z-index:10;backdrop-filter:blur(10px)}.masthead,.container{width:min(calc(100% - 32px),var(--max));margin:auto}.masthead{min-height:74px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{font-weight:900;font-size:1.45rem;letter-spacing:-.04em}.brand small{display:block;color:var(--muted);font-weight:500;font-size:.7rem;letter-spacing:0}.nav{display:flex;flex-wrap:wrap;gap:18px;font-weight:700;font-size:.9rem}.hero{padding:64px 0 44px;background:linear-gradient(135deg,#eaf6fb,#fff8e8);border-bottom:1px solid var(--line)}.hero-grid{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(240px,.7fr);gap:42px;align-items:center}.hero img{border-radius:18px;box-shadow:0 18px 50px rgba(20,33,61,.14)}.eyebrow{color:var(--brand);text-transform:uppercase;font-size:.78rem;font-weight:800;letter-spacing:.12em}.section-title{display:flex;align-items:end;justify-content:space-between;border-bottom:3px solid var(--ink);margin:12px 0 18px}.section-title h2{margin:0 0 8px}h1,h2,h3{line-height:1.2;letter-spacing:-.035em}h1{font-size:clamp(2.1rem,5vw,4rem);max-width:920px;margin:.3em 0}h2{font-size:clamp(1.4rem,3vw,2rem)}.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:48px;padding:42px 0 72px}.card-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}.card{border-top:3px solid var(--ink);padding:18px 0}.card h3{font-size:1.25rem}.card p,.meta{color:var(--muted)}.article{max-width:780px}.article .summary{font-size:1.2rem;color:#374151;border-left:4px solid var(--accent);padding-left:18px}.article-cover{width:100%;aspect-ratio:16/9;object-fit:cover;border-radius:14px;margin:18px 0 26px}.article-content{font-size:1.08rem}.article-content h2{margin-top:2.2em;border-top:1px solid var(--line);padding-top:1em}.article-content table{width:100%;border-collapse:collapse}.article-content th,.article-content td{border:1px solid var(--line);padding:12px;text-align:left}.article-content th{background:var(--soft)}.sidebar{border-left:1px solid var(--line);padding-left:28px}.slot{min-height:88px;display:grid;place-items:center;color:#75808c;background:var(--soft);border:1px dashed #b5c1ca;font-size:.75rem;letter-spacing:.08em;margin:24px 0}.site-footer{background:#0f172a;color:#dbe5ee;padding:44px 0}.site-footer a{color:#fff}.breadcrumb{color:var(--muted);font-size:.85rem;margin-bottom:16px}.related-list{list-style:none;padding:0}.related-list li{border-top:1px solid var(--line);padding:12px 0;font-weight:700}.pagination{display:flex;gap:8px;margin-top:32px}.pagination a,.pagination span{border:1px solid var(--line);padding:8px 12px}.pagination .current{background:var(--ink);color:white}.trust-note{padding:16px;background:#eef7fb;border-left:4px solid var(--brand2)}@media(max-width:800px){.masthead{align-items:flex-start;padding:16px 0;flex-direction:column}.nav{gap:12px}.hero-grid,.layout{grid-template-columns:1fr;gap:24px}.sidebar{border-left:0;border-top:1px solid var(--line);padding:24px 0 0}.card-grid{grid-template-columns:1fr}.hero{padding-top:38px}}
.calculator{margin:28px 0 36px;padding:24px;border:1px solid #b8d9e6;border-radius:16px;background:linear-gradient(145deg,#f1fbff,#fffaf0)}.calculator h2{margin:.3em 0}.calculator-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:22px 0}.calculator-fields label{font-weight:750;font-size:.9rem}.calculator-fields label span{display:flex;align-items:center;gap:8px;margin-top:6px;color:var(--muted);font-weight:500}.calculator input{width:100%;min-width:0;padding:11px 12px;border:1px solid #aebdc8;border-radius:8px;background:#fff;color:var(--ink);font:inherit}.calculator input:focus{outline:3px solid rgba(14,116,144,.18);border-color:var(--brand2)}.calculator button{border:0;border-radius:9px;padding:11px 16px;background:var(--brand);color:#fff;font-weight:700;font-size:.95rem;cursor:pointer}.calculator button:hover{background:var(--brand2)}.calculator-results{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1px;margin-top:22px;overflow:hidden;border:1px solid var(--line);border-radius:10px;background:var(--line)}.calculator-results div{padding:13px;background:#fff}.calculator-results span{display:block;color:var(--muted);font-size:.78rem}.calculator-results strong{display:block;margin-top:3px;font-size:1.12rem}.calculator-results .primary{background:#e7f5f9}.calculator-verdict{padding:12px 14px;border-radius:8px;font-weight:800}.calculator-verdict[data-status="POSITIVE"]{background:#e7f7ef;color:#116b47}.calculator-verdict[data-status="NEGATIVE"]{background:#fff0e7;color:#9a4615}.calculator-verdict[data-status="BREAK_EVEN"]{background:#f1f3f5;color:#56616c}.calculator-note{color:var(--muted);font-size:.82rem}@media(max-width:800px){.calculator-fields,.calculator-results{grid-template-columns:1fr}}
.journey{padding:42px 0 10px}.journey h2{margin:.35em 0 18px}.journey-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.journey-grid a{display:flex;flex-direction:column;gap:8px;padding:20px;border:1px solid var(--line);border-radius:12px;background:#fff;box-shadow:0 8px 24px rgba(20,33,61,.05)}.journey-grid strong{color:var(--brand);font-size:1.05rem}.journey-grid span{color:var(--muted);font-size:.88rem}.tracker{margin:28px 0 36px;padding:24px;border:1px solid #b8d9e6;border-radius:16px;background:linear-gradient(145deg,#f1fbff,#fffaf0)}.tracker h2{margin:.3em 0}.tracker-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:22px 0}.tracker-fields .wide{grid-column:1/-1}.tracker label{display:flex;flex-direction:column;gap:6px;font-size:.88rem;font-weight:750}.tracker input{width:100%;min-width:0;padding:10px 11px;border:1px solid #aebdc8;border-radius:8px;background:#fff;color:var(--ink);font:inherit}.tracker-checks{display:flex;flex-wrap:wrap;gap:16px;margin:0 0 18px}.tracker-checks label{align-items:center;flex-direction:row}.tracker-checks input{width:auto}.tracker button{border:0;border-radius:9px;padding:10px 14px;background:var(--brand);color:#fff;font-weight:750;cursor:pointer}.tracker button.secondary,.tracker-table button{background:#e8edf1;color:var(--ink)}.tracker-summary{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;margin-top:22px;overflow:hidden;border:1px solid var(--line);border-radius:10px;background:var(--line)}.tracker-summary div{padding:12px;background:#fff}.tracker-summary span{display:block;color:var(--muted);font-size:.76rem}.tracker-summary strong{font-size:1.08rem}.tracker-verdict{padding:12px 14px;border-radius:8px;background:#f1f3f5;font-weight:800}.tracker-verdict[data-status="POSITIVE"]{background:#e7f7ef;color:#116b47}.tracker-verdict[data-status="NEGATIVE"]{background:#fff0e7;color:#9a4615}.tracker-actions{display:flex;gap:10px;margin:16px 0}.tracker-table{overflow-x:auto}.tracker-table table{width:100%;border-collapse:collapse;font-size:.8rem}.tracker-table th,.tracker-table td{padding:9px;border-bottom:1px solid var(--line);text-align:left}.tracker-table button{padding:6px 9px;font-size:.75rem}.tracker-note{color:var(--muted);font-size:.8rem}@media(max-width:800px){.journey-grid,.tracker-fields,.tracker-summary{grid-template-columns:1fr}.tracker-fields .wide{grid-column:auto}}