:root{--bg:#f5f7fa;--card:#fff;--text:#191f28;--muted:#6b7684;--line:#e8ebed;--blue:#3182f6;--blue2:#1b64da;--soft:#eef6ff;--green:#0f9f6e;--greenbg:#effaf6}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--text);font-family:Pretendard,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.65}a{color:inherit;text-decoration:none}.container{width:min(1040px,calc(100% - 32px));margin:0 auto}.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}.header-inner{height:68px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{font-size:20px;font-weight:850;letter-spacing:-.5px}.brand small{color:var(--blue);font-size:12px;margin-left:8px}.nav{display:flex;gap:22px;color:#4e5968;font-size:14px}.hero{padding:64px 0 30px}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:28px;align-items:center}.badge{display:inline-flex;padding:7px 11px;border-radius:999px;background:var(--soft);color:var(--blue2);font-size:13px;font-weight:800}h1{font-size:46px;line-height:1.15;letter-spacing:-2px;margin:16px 0}.hero p{font-size:18px;color:var(--muted);max-width:620px}.hero-points{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}.hero-points span{background:#fff;border:1px solid var(--line);border-radius:12px;padding:10px 12px;font-size:13px}.calculator{background:#fff;border:1px solid var(--line);border-radius:26px;padding:24px;box-shadow:0 12px 36px rgba(32,55,80,.08)}.calc-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:18px}.calc-top h2{margin:0;font-size:21px}.reset{border:0;background:#f2f4f6;border-radius:10px;padding:9px 12px;color:#6b7684;cursor:pointer}.result{background:linear-gradient(145deg,#eef6ff,#f8fbff);border:1px solid #deecff;border-radius:20px;padding:22px;margin-bottom:18px}.result .label{font-size:13px;color:#4e5968;font-weight:800}.result strong{display:block;font-size:38px;letter-spacing:-1.5px;color:var(--blue2);margin:6px 0}.result p{margin:0;font-size:13px;color:var(--muted)}.summary{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-top:16px}.summary div{background:#fff;border-radius:13px;padding:10px;text-align:center}.summary span{display:block;font-size:11px;color:#8b95a1}.summary b{font-size:13px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.field label{font-size:12px;font-weight:800;color:#4e5968;display:block;margin:0 0 6px}.input-wrap{display:flex;align-items:center;border:1px solid #dfe3e8;border-radius:12px;padding:0 12px;height:48px;background:#fff}.input-wrap input{border:0;outline:0;width:100%;font:inherit;font-weight:700}.input-wrap em{font-style:normal;color:#8b95a1;font-size:13px}input[type=date]{width:100%;height:48px;border:1px solid #dfe3e8;border-radius:12px;padding:0 12px;font:inherit;font-weight:700}.purchase{margin-top:14px;padding-top:14px;border-top:1px solid var(--line)}.verdict{display:flex;gap:10px;align-items:flex-start;padding:13px;border-radius:13px;margin-top:10px;background:var(--greenbg)}.verdict i{display:grid;width:28px;height:28px;place-items:center;border-radius:50%;background:#fff;color:var(--green);font-style:normal;font-weight:900}.verdict strong{font-size:14px}.verdict p{font-size:12px;color:var(--muted);margin:2px 0 0}.section{padding:42px 0}.section h2{font-size:30px;letter-spacing:-1px;margin:0 0 8px}.section .lead{color:var(--muted);margin:0 0 24px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px}.card .kicker{color:var(--blue2);font-size:12px;font-weight:800}.card h3{font-size:18px;line-height:1.35;margin:8px 0}.card p{font-size:14px;color:var(--muted);margin:0}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.step{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px}.step b{display:grid;width:30px;height:30px;place-items:center;border-radius:9px;background:var(--soft);color:var(--blue2);margin-bottom:12px}.step h3{font-size:16px;margin:0 0 5px}.step p{font-size:13px;color:var(--muted);margin:0}.info-box{background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px}.site-footer{background:#fff;border-top:1px solid var(--line);margin-top:42px}.footer-inner{padding:28px 0 36px;color:#6b7684;font-size:13px}.footer-links{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:10px}.article,.legal{width:min(760px,calc(100% - 32px));margin:0 auto;padding:54px 0}.article .meta{color:#8b95a1;font-size:13px}.article h1,.legal h1{font-size:38px}.article h2,.legal h2{font-size:25px;margin-top:38px;letter-spacing:-.5px}.article p,.legal p{font-size:17px;color:#333d4b}.article ul{padding-left:20px}.article li{margin:7px 0}.note{background:#f7f9fb;border-left:4px solid var(--blue);padding:16px 18px;border-radius:10px;margin:22px 0}.table{width:100%;border-collapse:collapse;margin:22px 0;font-size:14px}.table th,.table td{border:1px solid var(--line);padding:12px;text-align:left}.table th{background:#f8fafc}.article-nav{margin-top:44px;padding-top:22px;border-top:1px solid var(--line)}
@media(max-width:820px){.nav{display:none}.hero{padding-top:36px}.hero-grid{grid-template-columns:1fr}h1{font-size:38px}.cards{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.container{width:min(100% - 22px,1040px)}.hero{padding-top:28px}h1{font-size:33px}.form-grid{grid-template-columns:1fr}.cards,.steps{grid-template-columns:1fr}.calculator{padding:18px;border-radius:20px}.result strong{font-size:31px}.article h1{font-size:31px}}