:root {
  --bg: #ffffff;
  --bg-soft: #f6f7f9;
  --card: #ffffff;
  --text: #1a1d23;
  --text-soft: #5b6270;
  --border: #e2e5ea;
  --accent: #1f5eff;
  --accent-soft: #eef3ff;
  --good: #0a7d4f;
  --good-soft: #e8f6f0;
  --warn: #b4520a;
  --warn-soft: #fdf1e6;
  --radius: 12px;
  --wrap: 720px;
}

@media (prefers-color-scheme: dark) {
  :root {
    --bg: #14161a;
    --bg-soft: #1b1e24;
    --card: #1b1e24;
    --text: #e8eaed;
    --text-soft: #a2a9b5;
    --border: #2c313a;
    --accent: #6d9bff;
    --accent-soft: #1e2740;
    --good: #4ade9b;
    --good-soft: #16301f;
    --warn: #f0a05a;
    --warn-soft: #33220f;
  }
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: -apple-system, BlinkMacSystemFont, "Apple SD Gothic Neo",
    "Pretendard", "Malgun Gothic", "Noto Sans KR", system-ui, sans-serif;
  font-size: 16px;
  line-height: 1.7;
  word-break: keep-all;
}

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 20px; }

/* ---------- header / nav ---------- */
.site-header {
  border-bottom: 1px solid var(--border);
  background: var(--bg-soft);
  padding: 12px 0;
}
.site-header .wrap { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }
.logo { font-weight: 700; font-size: 1rem; color: var(--text); text-decoration: none; }
.site-nav { margin-left: auto; display: flex; gap: 14px; }
.site-nav a { font-size: 0.85rem; color: var(--text-soft); text-decoration: none; }
.site-nav a:hover, .site-nav a[aria-current="page"] { color: var(--accent); }

.crumb { font-size: 0.82rem; color: var(--text-soft); margin: 18px 0 0; }
.crumb a { color: var(--text-soft); }

/* ---------- typography ---------- */
h1 { font-size: 1.6rem; line-height: 1.35; margin: 24px 0 8px; letter-spacing: -0.02em; }
h2 { font-size: 1.25rem; margin: 44px 0 12px; letter-spacing: -0.01em; }
h3 { font-size: 1.05rem; margin: 28px 0 8px; }
p { margin: 0 0 14px; }
.lede { color: var(--text-soft); margin-bottom: 24px; }
a { color: var(--accent); }

/* ---------- 허브 ---------- */
.calc-list { list-style: none; padding: 0; margin: 0 0 24px; display: grid; gap: 12px; }
.calc-list a,
.calc-list .item {
  display: block;
  padding: 16px 18px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  text-decoration: none;
  color: var(--text);
  transition: border-color .12s, background .12s;
}
.calc-list a:hover { border-color: var(--accent); background: var(--accent-soft); }
.calc-list strong { display: block; font-size: 1.02rem; }
.calc-list span { display: block; font-size: 0.86rem; color: var(--text-soft); margin-top: 3px; }
.calc-list .badge {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--accent);
  background: var(--accent-soft);
  border-radius: 4px;
  padding: 1px 6px;
  margin-top: 8px;
}
.soon { opacity: 0.55; }
.soon .badge { color: var(--text-soft); background: var(--bg-soft); }

/* ---------- card / form ---------- */
.card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px 20px;
}

.field { margin: 0 0 22px; border: 0; padding: 0; }
.field:last-of-type { margin-bottom: 24px; }

label, legend {
  display: block;
  font-weight: 600;
  font-size: 0.92rem;
  margin-bottom: 8px;
  padding: 0;
}

input[type="text"], input[type="number"], input[type="date"] {
  width: 100%;
  padding: 12px 14px;
  font-size: 1rem;
  font-family: inherit;
  color: var(--text);
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 9px;
  outline: none;
}
input:focus { border-color: var(--accent); box-shadow: 0 0 0 3px var(--accent-soft); }
input[type=number]::-webkit-inner-spin-button { opacity: 0.3; }
input[type=date] { min-height: 46px; }
@media (prefers-color-scheme: dark) {
  input[type=date]::-webkit-calendar-picker-indicator { filter: invert(0.8); }
}

.money-input { position: relative; }
.money-input input {
  padding-right: 42px;
  font-size: 1.15rem;
  font-weight: 600;
  text-align: right;
}
.money-input .unit {
  position: absolute; right: 14px; top: 50%; transform: translateY(-50%);
  color: var(--text-soft); font-size: 0.95rem; pointer-events: none;
}

.hint { margin: 6px 0 0; font-size: 0.82rem; color: var(--text-soft); line-height: 1.5; }
.hint.filled { color: var(--accent); font-weight: 600; }

.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.two-col label { font-weight: 500; font-size: 0.86rem; }

.radio-group { display: grid; gap: 8px; }
.radio-group.horizontal { grid-template-columns: 1fr 1fr; }

.radio {
  display: flex; align-items: flex-start; gap: 10px;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: 9px;
  cursor: pointer; margin: 0; font-weight: 400;
  transition: border-color .12s, background .12s;
}
.radio:has(input:checked) { border-color: var(--accent); background: var(--accent-soft); }
.radio input { margin: 5px 0 0; accent-color: var(--accent); flex: none; }
.radio span { display: block; }
.radio strong { display: block; font-size: 0.93rem; font-weight: 600; }
.radio em {
  display: block; font-style: normal; font-size: 0.79rem;
  color: var(--text-soft); margin-top: 2px;
}

.cond[hidden] { display: none; }

.submit {
  width: 100%; padding: 15px;
  font-size: 1rem; font-weight: 700; font-family: inherit;
  color: #fff; background: var(--accent);
  border: 0; border-radius: 10px; cursor: pointer;
}
.submit:hover { filter: brightness(1.08); }
.submit:active { transform: translateY(1px); }

/* ---------- 결과 ---------- */
.result { margin-top: 22px; padding-top: 22px; border-top: 1px solid var(--border); }
.result[hidden] { display: none; }

.result-headline {
  border-radius: 10px; padding: 18px; text-align: center; margin-bottom: 18px;
  background: var(--good-soft);
}
.result-headline.warn { background: var(--warn-soft); }
.result-headline .label { font-size: 0.85rem; color: var(--text-soft); margin-bottom: 4px; }
.result-headline .amount {
  font-size: 2rem; font-weight: 800; letter-spacing: -0.03em; line-height: 1.2;
  color: var(--good);
}
.result-headline.warn .amount { color: var(--warn); }
.result-headline .sub { font-size: 0.82rem; color: var(--text-soft); margin-top: 6px; }
.result-headline .amount .text { font-size: 1.35rem; }

.result h3 { margin: 0 0 10px; font-size: 0.95rem; }

.breakdown {
  list-style: none; margin: 0 0 18px; padding: 0;
  border: 1px solid var(--border); border-radius: 9px; overflow: hidden;
}
.breakdown li {
  display: flex; justify-content: space-between; gap: 14px;
  padding: 10px 14px; font-size: 0.88rem;
  border-bottom: 1px solid var(--border);
}
.breakdown li:last-child { border-bottom: 0; }
.breakdown li.total { background: var(--bg-soft); font-weight: 700; }
.breakdown .k { color: var(--text-soft); }
.breakdown li.total .k { color: var(--text); }
.breakdown .v { font-variant-numeric: tabular-nums; text-align: right; }

.basis {
  font-size: 0.83rem; color: var(--text-soft);
  background: var(--bg-soft); border-radius: 9px; padding: 12px 14px; margin: 0;
}
.basis strong { color: var(--text); }

.error {
  color: var(--warn); font-size: 0.9rem; font-weight: 600;
  padding: 12px 14px; background: var(--bg-soft); border-radius: 9px; margin: 0;
}

/* ---------- 제휴 CTA ---------- */
.cta {
  margin-top: 18px;
  border: 1px solid var(--accent);
  border-radius: 10px;
  padding: 16px 18px;
  background: var(--accent-soft);
}
.cta-tag {
  display: inline-block;
  font-size: 0.68rem; font-weight: 700; letter-spacing: 0.04em;
  color: #fff; background: var(--accent);
  border-radius: 4px; padding: 2px 7px; margin-bottom: 8px;
}
.cta h4 { margin: 0 0 4px; font-size: 1rem; }
.cta p { margin: 0 0 12px; font-size: 0.86rem; color: var(--text-soft); }
.cta-btn {
  display: block; text-align: center;
  padding: 12px; border-radius: 8px;
  background: var(--accent); color: #fff;
  font-weight: 700; font-size: 0.94rem; text-decoration: none;
}
.cta-btn:hover { filter: brightness(1.08); }
.cta-note { margin: 10px 0 0 !important; font-size: 0.74rem !important; line-height: 1.5; }

/* ---------- 본문 ---------- */
.table-scroll { overflow-x: auto; margin: 0 0 16px; }
table { width: 100%; border-collapse: collapse; font-size: 0.88rem; min-width: 340px; }
th, td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--border); }
th { background: var(--bg-soft); font-weight: 600; }
tr.hl td { background: var(--accent-soft); }

.callout {
  background: var(--accent-soft);
  border-left: 3px solid var(--accent);
  border-radius: 0 8px 8px 0;
  padding: 12px 14px; font-size: 0.88rem;
}
.callout.warn { background: var(--warn-soft); border-left-color: var(--warn); }

.steps { padding-left: 20px; margin: 0 0 16px; }
.steps li { margin-bottom: 14px; }
.steps strong { display: block; }
.steps p { margin: 2px 0 0; font-size: 0.88rem; color: var(--text-soft); }

.faq dt { font-weight: 700; margin-top: 16px; font-size: 0.93rem; }
.faq dd { margin: 4px 0 0; font-size: 0.9rem; color: var(--text-soft); }

.disclaimer {
  font-size: 0.84rem; color: var(--text-soft);
  background: var(--bg-soft); border-radius: 9px; padding: 14px;
}

.ad-slot { margin: 32px 0; }

/* ---------- footer ---------- */
.site-footer {
  margin-top: 56px; padding: 24px 0 40px;
  border-top: 1px solid var(--border);
  font-size: 0.82rem; color: var(--text-soft);
}
.site-footer p { margin: 0 0 4px; }
.site-footer .small { font-size: 0.78rem; }
.site-footer nav { margin-bottom: 10px; display: flex; gap: 12px; flex-wrap: wrap; }

@media (max-width: 460px) {
  h1 { font-size: 1.4rem; }
  .radio-group.horizontal { grid-template-columns: 1fr; }
  .result-headline .amount { font-size: 1.7rem; }
  .site-nav { margin-left: 0; width: 100%; }
}