:root {
  color-scheme: light;
  --bg: #f6f8fb;
  --surface: #ffffff;
  --surface-soft: #eef4ff;
  --text: #182235;
  --muted: #64748b;
  --line: #dbe3ef;
  --primary: #1d5fd7;
  --primary-dark: #174aa8;
  --accent: #0f9f6e;
  --warn: #d02f2f;
  --shadow: 0 12px 34px rgba(24, 34, 53, 0.08);
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", "Apple SD Gothic Neo", "Noto Sans KR", sans-serif;
  line-height: 1.6;
}

a {
  color: inherit;
}

.skip {
  position: absolute;
  left: -999px;
}

.skip:focus {
  left: 16px;
  top: 16px;
  z-index: 10;
  background: var(--text);
  color: #fff;
  padding: 8px 12px;
}

.site-header {
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 5;
  backdrop-filter: blur(12px);
}

.nav {
  max-width: 1120px;
  margin: 0 auto;
  padding: 14px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  text-decoration: none;
  letter-spacing: 0;
}

.brand-mark {
  width: 34px;
  height: 34px;
  border-radius: 8px;
  background: var(--primary);
  color: #fff;
  display: grid;
  place-items: center;
  font-weight: 900;
}

.nav-links {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 8px;
  color: var(--muted);
  font-size: 14px;
}

.nav-links a {
  padding: 7px 10px;
  border-radius: 8px;
  text-decoration: none;
}

.nav-links a:hover,
.nav-links a[aria-current="page"] {
  background: var(--surface-soft);
  color: var(--primary-dark);
}

.wrap {
  max-width: 1120px;
  margin: 0 auto;
  padding: 34px 20px 56px;
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(280px, 0.9fr);
  gap: 24px;
  align-items: center;
  padding: 26px 0 18px;
}

.eyebrow {
  margin: 0 0 10px;
  color: var(--primary);
  font-weight: 800;
  font-size: 14px;
}

h1 {
  margin: 0;
  font-size: clamp(32px, 5vw, 54px);
  line-height: 1.12;
  letter-spacing: 0;
}

.lead {
  margin: 18px 0 0;
  max-width: 720px;
  color: var(--muted);
  font-size: 18px;
}

.hero-panel,
.card,
.calc-panel,
.result-panel,
.content-panel {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.hero-panel {
  padding: 22px;
}

.hero-panel strong {
  display: block;
  font-size: 18px;
  margin-bottom: 10px;
}

.hero-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 10px;
  color: var(--muted);
}

.hero-list li::before {
  content: "✓";
  color: var(--accent);
  font-weight: 900;
  margin-right: 8px;
}

.grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
  margin-top: 24px;
}

.card {
  padding: 20px;
  text-decoration: none;
  transition: transform 0.15s ease, border-color 0.15s ease;
}

.card:hover {
  transform: translateY(-2px);
  border-color: #9bbcf5;
}

.card small {
  display: inline-block;
  color: var(--primary);
  font-weight: 800;
  margin-bottom: 8px;
}

.card h2,
.card h3 {
  margin: 0 0 8px;
  font-size: 21px;
}

.card p {
  margin: 0;
  color: var(--muted);
}

.layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 380px;
  gap: 20px;
  align-items: start;
}

.calc-panel,
.content-panel {
  padding: 22px;
}

.result-panel {
  padding: 20px;
  position: sticky;
  top: 82px;
}

.section-title {
  margin: 0 0 16px;
  font-size: 24px;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.field {
  display: grid;
  gap: 7px;
}

.field.full {
  grid-column: 1 / -1;
}

label {
  font-weight: 750;
  font-size: 14px;
}

input,
select {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 12px;
  font: inherit;
  background: #fff;
  color: var(--text);
}

input:focus,
select:focus {
  outline: 3px solid rgba(29, 95, 215, 0.16);
  border-color: var(--primary);
}

.hint {
  color: var(--muted);
  font-size: 13px;
}

.actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 18px;
}

.btn {
  border: 0;
  border-radius: 8px;
  background: var(--primary);
  color: #fff;
  padding: 12px 16px;
  font-weight: 800;
  cursor: pointer;
}

.btn.secondary {
  background: #e8eef8;
  color: var(--text);
}

.btn:hover {
  background: var(--primary-dark);
}

.btn.secondary:hover {
  background: #d8e2f3;
}

.result-total {
  margin: 12px 0 18px;
  padding: 16px;
  background: var(--surface-soft);
  border-radius: 8px;
}

.result-total span {
  display: block;
  color: var(--muted);
  font-size: 14px;
}

.result-total strong {
  display: block;
  margin-top: 2px;
  font-size: 30px;
  color: var(--primary-dark);
}

.rows {
  display: grid;
  gap: 8px;
}

.row {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  border-bottom: 1px solid var(--line);
  padding-bottom: 8px;
}

.row span:first-child {
  color: var(--muted);
}

.row strong {
  text-align: right;
}

.notice {
  margin-top: 16px;
  padding: 13px;
  border-radius: 8px;
  background: #fff7ed;
  border: 1px solid #fed7aa;
  color: #8a3b0f;
  font-size: 14px;
}

.trust-box {
  margin: 18px 0;
  padding: 16px;
  border: 1px solid #b7d0f8;
  border-radius: 8px;
  background: #f4f8ff;
}

.trust-box h2,
.trust-box h3 {
  margin: 0 0 10px;
  font-size: 20px;
}

.trust-box p {
  margin: 8px 0;
  color: var(--muted);
}

.source-list {
  margin: 10px 0 0;
  padding-left: 18px;
  color: var(--muted);
}

.source-list a {
  color: var(--primary-dark);
  font-weight: 700;
}

.meta-line {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 14px 0 0;
  color: var(--muted);
  font-size: 14px;
}

.meta-line span {
  border: 1px solid var(--line);
  border-radius: 999px;
  background: #fff;
  padding: 5px 10px;
}

.quick-links {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 18px 0 0;
}

.quick-links a {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  color: var(--primary-dark);
  font-weight: 750;
  padding: 9px 11px;
  text-decoration: none;
}

.ad-slot {
  margin: 20px 0;
  min-height: 92px;
  border: 1px dashed #a8b4c8;
  border-radius: 8px;
  display: grid;
  place-items: center;
  color: var(--muted);
  background: #fbfdff;
  font-size: 13px;
}

.content-panel {
  margin-top: 20px;
}

.content-panel h2 {
  margin-top: 0;
}

.faq {
  display: grid;
  gap: 12px;
}

.faq details {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 13px;
  background: #fff;
}

.faq summary {
  cursor: pointer;
  font-weight: 800;
}

.footer {
  border-top: 1px solid var(--line);
  background: #fff;
}

.footer-inner {
  max-width: 1120px;
  margin: 0 auto;
  padding: 24px 20px;
  color: var(--muted);
  font-size: 14px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}

.footer a {
  color: var(--muted);
  margin-right: 12px;
}

.calendar-list {
  display: grid;
  gap: 12px;
}

.calendar-item {
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}

.calendar-item strong {
  display: block;
  font-size: 18px;
}

@media (max-width: 860px) {
  .nav {
    align-items: flex-start;
    flex-direction: column;
  }

  .nav-links {
    justify-content: flex-start;
  }

  .hero,
  .layout {
    grid-template-columns: 1fr;
  }

  .grid {
    grid-template-columns: 1fr;
  }

  .result-panel {
    position: static;
  }
}

@media (max-width: 560px) {
  .wrap {
    padding: 24px 16px 44px;
  }

  .form-grid {
    grid-template-columns: 1fr;
  }

  h1 {
    font-size: 34px;
  }

  .lead {
    font-size: 16px;
  }
}