:root{
  --bg:#f3f2ec; --surface:#fff; --ink:#12161d; --muted:#5a6270; --line:#e2dfd4; --soft:#eef0ea;
  --navy:#16324f; --navy-deep:#0c2138; --copper:#a8541c; --copper-soft:#f6e7da;
  --ok:#1f6b4a; --ok-soft:#e3f1e9; --warn-bg:#fff6d9; --warn-line:#dcae2a; --danger:#a3341f;
  --sh:0 1px 1px rgba(18,22,29,.04),0 18px 40px -28px rgba(18,22,29,.45);
  --r-s:10px; --r-m:16px; --r-l:22px;
}
@media (prefers-color-scheme:dark){
  :root{
    --bg:#0b1118; --surface:#121b24; --ink:#eef2f6; --muted:#9fb0c0; --line:#22303d; --soft:#17222c;
    --navy:#8fbde6; --navy-deep:#cfe4f7; --copper:#e8a06a; --copper-soft:#2a1e14;
    --ok:#6fd3a3; --ok-soft:#12281f; --warn-bg:#2a230c; --warn-line:#b18f25; --danger:#f0977f;
    --sh:0 1px 1px rgba(0,0,0,.5),0 20px 44px -28px rgba(0,0,0,.9);
  }
}
*{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;background:var(--bg);color:var(--ink);
  font-family:-apple-system,BlinkMacSystemFont,"Apple SD Gothic Neo","Pretendard","Noto Sans KR","Malgun Gothic",system-ui,sans-serif;
  font-size:16px;line-height:1.68;letter-spacing:-.011em;
  word-break:keep-all;overflow-wrap:anywhere;line-break:strict;
  background-image:radial-gradient(1100px 460px at 50% -200px,rgba(22,50,79,.10),transparent 70%);
  background-repeat:no-repeat;
}
a{color:var(--navy);text-underline-offset:3px}
a:hover{color:var(--copper)}
:focus-visible{outline:3px solid var(--copper);outline-offset:3px;border-radius:6px}
h1{font-size:clamp(1.7rem,4.3vw,2.5rem);line-height:1.22;letter-spacing:-.04em;margin:0 0 .35em;font-weight:800;text-wrap:balance}
h2{font-size:clamp(1.1rem,2.2vw,1.3rem);margin:0 0 .5em;font-weight:750;letter-spacing:-.02em;text-wrap:balance}
h3{font-size:1rem;margin:0 0 .35em;font-weight:700}
p{margin:.5em 0}
ul,ol{padding-left:1.15em}
.lead{font-size:1.05rem;color:var(--muted);max-width:46em}
.shell{width:min(1080px,calc(100vw - 40px));margin-inline:auto}
.skip{position:absolute;left:-9999px}
.skip:focus{left:12px;top:12px;background:var(--surface);padding:8px 14px;border-radius:8px;z-index:60}

.breadcrumbs{padding:14px 0 0;font-size:.82rem;color:var(--muted)}
.breadcrumbs a{text-decoration:none;color:var(--muted)}
.breadcrumbs a:hover{color:var(--copper)}
.breadcrumbs [aria-current]{color:var(--ink);font-weight:650}
.site-header{position:sticky;top:0;z-index:30;background:color-mix(in srgb,var(--bg) 84%,transparent);
  backdrop-filter:saturate(1.3) blur(14px);-webkit-backdrop-filter:saturate(1.3) blur(14px);border-bottom:1px solid var(--line)}
.header-in{display:flex;align-items:center;gap:18px;min-height:62px}
.brand{display:inline-flex;align-items:center;gap:9px;font-weight:800;font-size:1.02rem;color:var(--ink);text-decoration:none;letter-spacing:-.03em}
.brand-mark{width:26px;height:26px;border-radius:7px;background:var(--navy);display:grid;place-items:center;flex:0 0 auto}
.brand-mark i{display:block;width:12px;height:2px;background:#fff;border-radius:2px;margin:2px 0}
@media (prefers-color-scheme:dark){.brand-mark{background:var(--navy)}.brand-mark i{background:#08121b}}
.nav{display:flex;gap:2px;margin-left:auto;flex-wrap:wrap}
.nav a{padding:8px 11px;border-radius:999px;text-decoration:none;color:var(--muted);font-size:.93rem;font-weight:600}
.nav a:hover{background:var(--soft);color:var(--ink)}
.nav a[aria-current="page"]{color:var(--ink);background:var(--soft)}
@media (max-width:720px){
  .header-in{flex-wrap:wrap;gap:4px;padding:8px 0}
  .nav{width:100%;overflow-x:auto;margin:0;padding-bottom:2px;scrollbar-width:none}
  .nav::-webkit-scrollbar{display:none}
  .nav a{white-space:nowrap;font-size:.87rem;padding:7px 9px}
}

main{padding:34px 0 64px}
.hero{padding:18px 0 6px}
.eyebrow{display:inline-flex;gap:8px;align-items:center;font-size:.78rem;font-weight:750;letter-spacing:.09em;text-transform:uppercase;color:var(--copper)}
.eyebrow::before{content:"";width:18px;height:2px;background:var(--copper);border-radius:2px}
.answer{margin:16px 0 0;padding:16px 18px;background:var(--surface);border-radius:var(--r-m);box-shadow:var(--sh);border-left:3px solid var(--copper);font-size:1rem}
.answer strong{font-weight:750}

.card{background:var(--surface);border-radius:var(--r-m);box-shadow:var(--sh);padding:22px}
.card + .card{margin-top:16px}
.calc{margin-top:24px;display:grid;gap:18px}
@media (min-width:900px){.calc{grid-template-columns:minmax(0,1fr) minmax(0,1.02fr);align-items:start}}
.fieldset{border:0;padding:0;margin:0 0 10px}
.fieldset legend{padding:0;margin:0 0 10px;font-weight:750;font-size:.95rem;display:flex;align-items:center;gap:8px}
.step{display:inline-grid;place-items:center;width:21px;height:21px;border-radius:6px;background:var(--navy);color:#fff;font-size:.72rem;font-weight:800}
@media (prefers-color-scheme:dark){.step{color:#08121b}}
.field{display:block;margin:0 0 12px}
.field-label{display:flex;justify-content:space-between;gap:8px;font-size:.9rem;font-weight:650;margin-bottom:5px}
.field-hint{font-size:.78rem;color:var(--muted);font-weight:500}
.input-wrap{display:flex;align-items:center;gap:0;border:1px solid var(--line);border-radius:var(--r-s);background:var(--bg);overflow:hidden}
.input-wrap:focus-within{border-color:var(--copper);box-shadow:0 0 0 3px rgba(168,84,28,.16)}
.input-wrap .unit{padding:0 0 0 12px;color:var(--muted);font-size:.86rem;white-space:nowrap}
.input-wrap input{flex:1;min-width:0;border:0;background:transparent;padding:11px 10px;font:inherit;font-variant-numeric:tabular-nums;color:var(--ink);text-align:right}
.input-wrap .suffix{padding:0 12px 0 6px;color:var(--muted);font-size:.86rem}
input[type=number]::-webkit-outer-spin-button,input[type=number]::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
input[type=number]{-moz-appearance:textfield;appearance:textfield}
.chips{display:flex;flex-wrap:wrap;gap:6px;margin:-4px 0 14px}
.chip{border:1px solid var(--line);background:transparent;color:var(--muted);border-radius:999px;padding:6px 11px;font:inherit;font-size:.82rem;font-weight:600;cursor:pointer;min-height:32px}
.chip:hover{border-color:var(--copper);color:var(--copper)}
.row2{display:grid;gap:10px}
@media (min-width:520px){.row2{grid-template-columns:1fr 1fr}}
.range-row{display:flex;align-items:center;gap:12px}
input[type=range]{width:100%;accent-color:var(--copper);height:26px}
.range-value{min-width:62px;text-align:right;font-variant-numeric:tabular-nums;font-weight:700;font-size:.95rem}
.note{font-size:.8rem;color:var(--muted);margin:6px 0 0}
.disclosure{margin:0 0 14px;padding:11px 13px;background:var(--warn-bg);border:1px solid var(--warn-line);border-radius:var(--r-s);font-size:.83rem;color:var(--ink)}

.res{position:sticky;top:82px}
@media (max-width:899px){.res{position:static}}
.result-head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;flex-wrap:wrap;margin-bottom:2px}
.result-label{font-size:.82rem;font-weight:750;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.big{font-size:clamp(2rem,5.2vw,2.7rem);font-weight:800;letter-spacing:-.045em;font-variant-numeric:tabular-nums;line-height:1.1;margin:2px 0 0}
.big small{font-size:.44em;font-weight:700;color:var(--muted);margin-left:4px;letter-spacing:0}
.sub{color:var(--muted);font-size:.88rem;margin:4px 0 0}
.stat-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;margin:18px 0 0}
.stat{background:var(--soft);border-radius:var(--r-s);padding:10px 12px}
.stat span{display:block;font-size:.76rem;color:var(--muted);font-weight:600}
.stat b{font-size:1.02rem;font-variant-numeric:tabular-nums;letter-spacing:-.02em}
@media (max-width:420px){.stat-grid{grid-template-columns:1fr 1fr}.stat-grid .stat:last-child{grid-column:1/-1}}

.meter{margin:18px 0 4px}
.meter-head{display:flex;justify-content:space-between;font-size:.8rem;color:var(--muted);margin-bottom:6px;font-weight:600}
.meter-track{position:relative;height:12px;border-radius:999px;background:var(--soft);overflow:hidden}
.meter-fill{height:100%;border-radius:999px;background:linear-gradient(90deg,var(--navy),var(--copper));transition:width .18s ease}
.meter-mark{position:absolute;top:-3px;bottom:-3px;width:2px;background:var(--ink);opacity:.55}
.meter-scale{display:flex;justify-content:space-between;font-size:.74rem;color:var(--muted);margin-top:4px}

.bars{margin:18px 0 0;display:grid;gap:9px}
.bar{display:grid;grid-template-columns:76px 1fr 92px;gap:10px;align-items:center;font-size:.84rem}
.bar-track{height:10px;border-radius:999px;background:var(--soft);overflow:hidden}
.bar-fill{height:100%;border-radius:999px;background:var(--navy);transition:width .18s ease}
.bar[data-kind="check"] .bar-fill{background:var(--copper)}
.bar[data-kind="market"] .bar-fill{background:var(--ok)}
.bar[data-kind="transit"] .bar-fill{background:#5b6ea8}
.bar b{text-align:right;font-variant-numeric:tabular-nums;font-weight:700}
.bar span{color:var(--muted);font-weight:600}

.advice{list-style:none;padding:0;margin:18px 0 0;display:grid;gap:8px}
.advice li{border-radius:var(--r-s);padding:10px 12px;font-size:.87rem;background:var(--soft);border-left:3px solid var(--line)}
.advice li[data-tone="warn"]{background:var(--warn-bg);border-left-color:var(--warn-line)}
.advice li[data-tone="limit"]{background:var(--copper-soft);border-left-color:var(--copper)}
.advice li[data-tone="ok"]{background:var(--ok-soft);border-left-color:var(--ok)}

.cta{display:inline-flex;align-items:center;gap:8px;min-height:46px;padding:0 18px;border-radius:999px;background:var(--navy);color:#fff;text-decoration:none;font-weight:700;font-size:.95rem}
.cta:hover{color:#fff;filter:brightness(1.08)}
@media (prefers-color-scheme:dark){.cta{color:#08121b}}
.cta-ghost{background:transparent;color:var(--navy);border:1px solid var(--line)}
.cta-ghost:hover{color:var(--copper);border-color:var(--copper);filter:none}

.table-wrap{overflow-x:auto;margin:14px 0 4px;border-radius:var(--r-s);border:1px solid var(--line)}
table{border-collapse:collapse;width:100%;min-width:520px;font-size:.9rem}
caption{text-align:left;padding:0 0 8px;color:var(--muted);font-size:.84rem}
th,td{padding:11px 13px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--soft);font-size:.82rem;letter-spacing:.02em;color:var(--muted);font-weight:700}
tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}
td.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}

.grid2{display:grid;gap:14px;margin-top:14px}
@media (min-width:760px){.grid2{grid-template-columns:1fr 1fr}}
.list-card{background:var(--surface);border-radius:var(--r-m);box-shadow:var(--sh);padding:18px 20px}
.list-card h3{margin-bottom:6px}
.list-card ul{margin:0;color:var(--muted);font-size:.9rem}
.list-card ul li{margin:5px 0}

.section{margin-top:34px}
.section h2{margin-bottom:10px}
.faq details{background:var(--surface);border-radius:var(--r-s);padding:13px 15px;box-shadow:var(--sh);margin:8px 0}
.faq summary{font-weight:700;cursor:pointer;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::before{content:"+";display:inline-block;width:18px;color:var(--copper);font-weight:800}
.faq details[open] summary::before{content:"–"}
.faq p{margin:8px 0 0;color:var(--muted);font-size:.92rem}

.sources{font-size:.86rem;color:var(--muted)}
.sources li{margin:4px 0}
.related{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}
.related a{border:1px solid var(--line);border-radius:999px;padding:7px 12px;text-decoration:none;font-size:.88rem;font-weight:600}

.site-footer{margin-top:40px;padding:26px 0 40px;border-top:1px solid var(--line);color:var(--muted);font-size:.85rem}
.footer-grid{display:grid;gap:18px}
@media (min-width:760px){.footer-grid{grid-template-columns:1.4fr 1fr 1fr}}
.footer-grid h3{font-size:.78rem;letter-spacing:.09em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
.footer-grid a{display:block;padding:3px 0;text-decoration:none;color:var(--muted)}
.footer-grid a:hover{color:var(--copper)}
.footer-bottom{margin-top:20px;padding-top:14px;border-top:1px solid var(--line);display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:.8rem}
.prose{max-width:44em}
.prose h2{margin-top:1.6em}
.prose h3{margin-top:1.2em}
.prose table{min-width:0}
.skip-link{position:absolute;left:-9999px}
.skip-link:focus{left:12px;top:12px;background:var(--surface);padding:8px 14px;border-radius:8px;z-index:60}
@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}html{scroll-behavior:auto}}