:root{--bg:#f6f7f9;--surface:#fff;--fg:#191f28;--sub:#4e5968;--muted:#8b95a1;--line:#e5e8eb;--accent:#3182f6;--accent-strong:#1b64da;--accent-soft:#e8f3ff;--good:#12b886;--warn-soft:#fff8e6;--radius:16px;--shadow:0 1px 2px #0000000a, 0 4px 16px #0000000a}@media (prefers-color-scheme:dark){:root{--bg:#101215;--surface:#191c21;--fg:#eceef1;--sub:#b0b8c1;--muted:#7e8894;--line:#2b2f36;--accent:#4d94ff;--accent-strong:#75acff;--accent-soft:#172a45;--warn-soft:#2d2614;--shadow:none}}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{background:var(--bg);color:var(--fg);word-break:keep-all;margin:0;font-family:Pretendard,-apple-system,BlinkMacSystemFont,Apple SD Gothic Neo,Malgun Gothic,sans-serif;font-size:17px;line-height:1.8}a{color:var(--accent);text-decoration:none}a:hover{text-decoration:underline}.wrap{max-width:760px;margin:0 auto;padding:0 16px}.site-header{background:var(--surface);border-bottom:1px solid var(--line);z-index:10;position:sticky;top:0}.site-header .wrap{justify-content:space-between;align-items:center;height:56px;display:flex}.logo{color:var(--fg);letter-spacing:-.02em;font-size:1.15rem;font-weight:800}.logo span{color:var(--accent)}.site-header nav a{color:var(--sub);margin-left:18px;font-size:15px;font-weight:600}.site-footer{color:var(--muted);border-top:1px solid var(--line);margin-top:72px;padding:32px 0 48px;font-size:13px}.site-footer nav a{color:var(--sub);margin-right:16px}h1{letter-spacing:-.02em;margin:8px 0 12px;font-size:1.75rem;line-height:1.4}h2{letter-spacing:-.01em;margin:48px 0 12px;font-size:1.35rem;line-height:1.45}h3{margin:28px 0 8px;font-size:1.1rem}p{margin:0 0 16px}ul,ol{padding-left:1.3em}li{margin:4px 0}.meta{color:var(--muted);font-size:14px}.crumbs{color:var(--muted);margin-top:24px;font-size:13px}.crumbs a{color:var(--muted)}.card{background:var(--surface);border-radius:var(--radius);box-shadow:var(--shadow);margin:20px 0;padding:24px}article.card{padding:28px 24px 32px}.box{background:var(--accent-soft);border-radius:12px;margin:20px 0;padding:16px 20px}.box p:last-child,.box ul:last-child{margin-bottom:0}.box strong:first-child{margin-bottom:4px;display:block}.note{background:var(--warn-soft);color:var(--sub);border-radius:12px;margin:20px 0;padding:14px 18px;font-size:15px}.table-wrap{margin:16px 0 20px;overflow-x:auto}table{border-collapse:collapse;width:100%;font-size:15px}th,td{border-bottom:1px solid var(--line);text-align:left;white-space:nowrap;padding:10px 12px}th{color:var(--sub);background:var(--bg);font-weight:600}td.num,th.num{text-align:right;font-variant-numeric:tabular-nums}.card-list{margin:0;padding:0;list-style:none}.card-list li{border-bottom:1px solid var(--line);margin:0;padding:16px 0}.card-list li:last-child{border-bottom:0}.card-list a{color:var(--fg);font-size:1.05rem;font-weight:700}.card-list p{color:var(--sub);margin:4px 0 0;font-size:15px;line-height:1.6}.faq details{border-bottom:1px solid var(--line);padding:14px 0}.faq summary{cursor:pointer;font-weight:700;list-style:none}.faq summary:before{content:"Q. ";color:var(--accent)}.faq details p{color:var(--sub);margin:8px 0 0}.sources{color:var(--sub);font-size:14px}.sources li{margin:2px 0}.calc label{color:var(--sub);margin:14px 0 6px;font-size:14px;font-weight:600;display:block}.calc input,.calc select{border:1px solid var(--line);background:var(--bg);width:100%;color:var(--fg);border-radius:10px;padding:12px 14px;font-family:inherit;font-size:17px}.calc input:focus,.calc select:focus{outline:2px solid var(--accent);border-color:#0000}.row2{grid-template-columns:1fr 1fr;gap:12px;display:grid}.chips{flex-wrap:wrap;gap:6px;margin-top:8px;display:flex}.chips button{border:1px solid var(--line);background:var(--surface);color:var(--sub);cursor:pointer;border-radius:999px;padding:6px 12px;font-family:inherit;font-size:14px}.chips button:hover{border-color:var(--accent);color:var(--accent)}.seg{background:var(--bg);border-radius:10px;gap:4px;padding:4px;display:flex}.seg label{text-align:center;cursor:pointer;border-radius:8px;flex:1;margin:0;padding:8px;font-weight:600}.seg input{display:none}.seg label:has(input:checked){background:var(--surface);color:var(--fg);box-shadow:var(--shadow)}.result-hero{text-align:center;padding:8px 0 4px}.result-hero .label{color:var(--sub);font-size:15px}.result-hero .big{letter-spacing:-.03em;color:var(--accent-strong);font-variant-numeric:tabular-nums;font-size:2.4rem;font-weight:800}.stats{grid-template-columns:repeat(3,1fr);gap:8px;margin:16px 0;display:grid}.stats div{background:var(--bg);text-align:center;border-radius:10px;padding:10px}.stats b{font-variant-numeric:tabular-nums;font-size:1.05rem;display:block}.stats span{color:var(--muted);font-size:12px}.bars{margin:8px 0 0}.bar{grid-template-columns:84px 1fr 96px;align-items:center;gap:8px;margin:6px 0;font-size:14px;display:grid}.bar i{background:var(--accent);opacity:.75;border-radius:4px;height:8px;display:block}.bar b{text-align:right;font-variant-numeric:tabular-nums;font-weight:600}.btn{background:var(--accent);color:#fff;cursor:pointer;border:0;border-radius:10px;padding:10px 16px;font-family:inherit;font-size:15px;font-weight:700;display:inline-block}.btn.ghost{background:var(--bg);color:var(--sub)}.ad{min-height:100px;margin:28px 0}@media (width<=520px){body{font-size:16px}h1{font-size:1.5rem}.result-hero .big{font-size:2rem}article.card,.card{border-radius:12px;padding:20px 16px}.site-header nav a{margin-left:12px}}article table{display:block;overflow-x:auto}.wrap.wide{max-width:1140px}.layout{grid-template-columns:minmax(0,1fr) 300px;align-items:start;gap:32px;display:grid}.main-col{min-width:0;max-width:760px}.side{padding-top:44px}.side-box{background:var(--surface);border-radius:var(--radius);box-shadow:var(--shadow);margin-bottom:16px;padding:18px 20px;font-size:15px}.side-box>b{margin-bottom:8px;display:block}.side-box p{color:var(--sub);margin:0 0 12px;font-size:14px}.side-list{margin:0;padding:0;list-style:none}.side-list li{border-bottom:1px solid var(--line);margin:0;padding:8px 0;line-height:1.5}.side-list li:last-child{border-bottom:0}.side-list a{color:var(--fg);font-weight:600}.calc-promo .btn{text-align:center;display:block}.calc-promo .chips a{border:1px solid var(--line);color:var(--sub);border-radius:999px;padding:4px 10px;font-size:13px}.toc ol{margin:0;padding-left:1.2em;font-size:15px}.toc li{margin:6px 0;line-height:1.5}.toc a{color:var(--sub)}.toc-side,.side-sticky{position:sticky;top:72px}.toc-inline{background:var(--bg);border-radius:12px;margin:16px 0;padding:12px 16px;display:none}.toc-inline summary{cursor:pointer;font-weight:700}.toc-inline ol{margin-top:8px}h2[id],h3[id]{scroll-margin-top:72px}.prevnext{grid-template-columns:1fr 1fr;gap:12px;margin:20px 0;display:grid}.prevnext a{background:var(--surface);box-shadow:var(--shadow);color:var(--fg);border-radius:12px;padding:14px 16px;font-size:15px;font-weight:600;line-height:1.5}.prevnext a.next{text-align:right}.prevnext span{color:var(--muted);font-size:12px;font-weight:400;display:block}.ad-dev{color:#e67700;background:#f59f000f;border:2px dashed #f59f00;border-radius:12px;justify-content:center;align-items:center;min-height:120px;font-size:14px;font-weight:700;display:flex}.site-header nav{white-space:nowrap;scrollbar-width:none;display:flex;overflow-x:auto}.site-header nav::-webkit-scrollbar{display:none}@media (width<=1023px){.layout{grid-template-columns:1fr;gap:0}.main-col{max-width:none}.side{padding-top:0}.toc-side,.side-sticky{display:none}.toc-inline{display:block}}@media (width<=520px){.prevnext{grid-template-columns:1fr}.prevnext a.next{text-align:left}.side-box{border-radius:12px}.box{padding:14px 16px}article table{font-size:14px}th,td{padding:8px 10px}}.side{align-self:stretch}.toc-side{position:static}.ad-side.ad-dev{min-height:250px}article p,article li{line-height:1.9}article p{margin:0 0 20px}article h2{border-top:1px solid var(--line);margin:56px 0 18px;padding-top:28px;font-size:1.4rem}article h2:before{content:"";background:var(--accent);border-radius:2px;width:28px;height:4px;margin-bottom:14px;display:block}article h3{margin:32px 0 10px;font-size:1.12rem}article strong{background:linear-gradient(transparent 62%, var(--accent-soft) 62%);font-weight:700}article table{border:1px solid var(--line);border-radius:12px;margin:20px 0 8px;display:table;overflow:hidden}article th,article td{white-space:normal;word-break:keep-all;vertical-align:top;padding:12px 14px}article th{background:var(--accent-soft);color:var(--fg)}article td:first-child{font-weight:600}article tr:last-child td{border-bottom:0}.cap{color:var(--muted);margin:0 0 24px!important;font-size:13px!important;line-height:1.6!important}.summary{border:1px solid var(--line);border-radius:14px;margin:24px 0 8px;overflow:hidden}.summary div{border-bottom:1px solid var(--line);grid-template-columns:76px 1fr;gap:12px;padding:14px 18px;line-height:1.6;display:grid}.summary div:last-child{border-bottom:0}.summary b{color:var(--accent-strong)}.tip{background:var(--warn-soft);border-left:4px solid #f59f00;border-radius:0 12px 12px 0;margin:24px 0;padding:16px 20px}.tip p{margin:0 0 6px}.tip p:last-child{margin:0}.tip strong:first-child{background:0 0;margin-bottom:4px;display:block}article ol li::marker{color:var(--accent);font-weight:700}article ul:has(input[type=checkbox]){padding-left:0;list-style:none}article input[type=checkbox]{accent-color:var(--accent);margin-right:8px}@media (width<=520px){article h2{margin-top:44px;font-size:1.25rem}article th,article td{padding:10px;font-size:14px}.summary div{grid-template-columns:60px 1fr;padding:12px 14px}}.hero{border-radius:12px;width:100%;height:auto;margin:8px 0 20px;display:block}article figure{margin:24px 0}article figure img{border:1px solid var(--line);border-radius:12px;width:100%;height:auto;display:block}article figcaption{color:var(--muted);margin-top:8px;font-size:13px;line-height:1.6}.calc .hint{color:var(--muted);margin:6px 0 0;font-size:13px;font-weight:400;line-height:1.6}.calc .result{margin-top:20px}.calc td,.calc th{white-space:normal}.calc td.num,.calc th.num{white-space:nowrap}