:root{--font-sans:-apple-system, BlinkMacSystemFont, "Apple SD Gothic Neo", "Pretendard", "Noto Sans KR", "Malgun Gothic", "Segoe UI", system-ui, sans-serif;--font-num:"SF Mono", "Cascadia Mono", "Segoe UI Mono", ui-monospace, monospace;--bg:#fff;--bg-subtle:#f7f8fa;--bg-sunken:#eef0f4;--surface:#fff;--border:#e3e6ec;--border-strong:#cbd1dc;--text:#16191f;--text-muted:#5c6472;--text-faint:#868e9e;--accent:#1f5fd8;--accent-hover:#1a4fb4;--accent-soft:#eaf1fe;--accent-border:#bcd2f8;--positive:#15803d;--positive-soft:#e8f6ed;--warn:#a15c00;--warn-soft:#fdf3e2;--warn-border:#f0d9ac;--radius:10px;--radius-lg:14px;--maxw:44rem;--maxw-wide:68rem;--shadow-sm:0 1px 2px #1018280d;--shadow-md:0 4px 14px #10182812}@media (prefers-color-scheme:dark){:root{--bg:#0f1216;--bg-subtle:#161a20;--bg-sunken:#1c2129;--surface:#161a20;--border:#272d37;--border-strong:#3a424f;--text:#e8ebf0;--text-muted:#9aa4b4;--text-faint:#737d8d;--accent:#7aa5f5;--accent-hover:#9dbcf9;--accent-soft:#172336;--accent-border:#2d4468;--positive:#58c98a;--positive-soft:#14251b;--warn:#e3b56a;--warn-soft:#241d10;--warn-border:#4a3c1e;--shadow-sm:0 1px 2px #0006;--shadow-md:0 4px 14px #00000073}}*,:before,:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:7rem}body{background:var(--bg);color:var(--text);font-family:var(--font-sans);letter-spacing:-.01em;word-break:keep-all;overflow-wrap:break-word;-webkit-font-smoothing:antialiased;margin:0;font-size:17px;line-height:1.78}img,svg{max-width:100%;height:auto;display:block}a{color:var(--accent);text-underline-offset:3px;text-decoration-thickness:1px}a:hover{color:var(--accent-hover)}hr{border:0;border-top:1px solid var(--border);margin:2.5rem 0}.wrap{width:100%;max-width:var(--maxw);margin-inline:auto;padding-inline:1.25rem}.wrap-wide{width:100%;max-width:var(--maxw-wide);margin-inline:auto;padding-inline:1.25rem}main{min-height:60vh;padding-block:2.5rem 4rem;display:block}.site-header{z-index:50;background:color-mix(in srgb, var(--bg) 88%, transparent);backdrop-filter:saturate(160%)blur(12px);border-bottom:1px solid var(--border);position:sticky;top:0}.site-header__brandrow{align-items:center;height:3.25rem;display:flex}.site-header__navrow{border-top:1px solid var(--border);background:var(--bg-subtle)}.brand{letter-spacing:-.03em;color:var(--text);flex-shrink:0;align-items:baseline;gap:.5rem;font-size:1.125rem;font-weight:750;text-decoration:none;display:inline-flex}.brand__mark{background:var(--accent);color:#fff;border-radius:7px;place-items:center;width:1.6rem;height:1.6rem;font-size:.85rem;font-weight:800;display:inline-grid;transform:translateY(2px)}.nav{scrollbar-width:none;align-items:center;gap:.15rem;height:2.75rem;display:flex;overflow-x:auto}.nav::-webkit-scrollbar{display:none}.nav a{color:var(--text-muted);white-space:nowrap;border-radius:8px;padding:.4rem .7rem;font-size:.9375rem;font-weight:550;text-decoration:none;display:block}.nav a:hover{background:var(--bg-sunken);color:var(--text)}.nav a[aria-current=true]{color:var(--accent);background:var(--accent-soft)}.site-footer{border-top:1px solid var(--border);background:var(--bg-subtle);color:var(--text-muted);padding-block:2.5rem 3rem;font-size:.9rem}.site-footer__grid{grid-template-columns:1.4fr 1fr 1fr;gap:2rem;display:grid}@media (width<=640px){.site-footer__grid{grid-template-columns:1fr;gap:1.5rem}}.site-footer h3{letter-spacing:.04em;text-transform:uppercase;color:var(--text-faint);margin:0 0 .6rem;font-size:.8125rem;font-weight:700}.site-footer ul{gap:.4rem;margin:0;padding:0;list-style:none;display:grid}.site-footer a{color:var(--text-muted);text-decoration:none}.site-footer a:hover{color:var(--accent);text-decoration:underline}.site-footer__legal{border-top:1px solid var(--border);color:var(--text-faint);margin-top:2rem;padding-top:1.25rem;font-size:.8125rem;line-height:1.7}h1,h2,h3,h4{letter-spacing:-.03em;color:var(--text);font-weight:750;line-height:1.35}.page-title{margin:0 0 .75rem;font-size:clamp(1.75rem,5vw,2.35rem)}.page-lead{color:var(--text-muted);margin:0 0 2rem;font-size:1.0625rem;line-height:1.75}.eyebrow{letter-spacing:.08em;text-transform:uppercase;color:var(--accent);margin-bottom:.6rem;font-size:.75rem;font-weight:700;display:inline-block}.prose{font-size:1.0625rem}.prose>*+*{margin-top:1.15em}.prose h2{border-top:1px solid var(--border);margin-top:2.75rem;margin-bottom:.9rem;padding-top:1.5rem;font-size:1.5rem}.prose h3{margin-top:2rem;margin-bottom:.6rem;font-size:1.175rem}.prose p{margin-block:0}.prose ul,.prose ol{margin-block:0;padding-left:1.3rem}.prose li+li{margin-top:.45rem}.prose li::marker{color:var(--text-faint)}.prose strong{color:var(--text);font-weight:700}.prose blockquote{border-left:3px solid var(--accent-border);background:var(--accent-soft);border-radius:0 var(--radius) var(--radius) 0;color:var(--text);margin:1.75rem 0;padding:.9rem 1.15rem;font-size:.975rem}.prose blockquote p{margin:0}.prose blockquote p+p{margin-top:.6rem}.prose code{font-family:var(--font-num);background:var(--bg-sunken);border-radius:5px;padding:.15em .4em;font-size:.875em}.prose>table{border:1px solid var(--border);border-radius:var(--radius);background:var(--surface);width:fit-content;max-width:100%;margin-block:1.75rem;display:block;overflow-x:auto}.prose .table-scroll,.table-scroll{border:1px solid var(--border);border-radius:var(--radius);background:var(--surface);margin-block:1.75rem;overflow-x:auto}table{border-collapse:collapse;width:100%;font-size:.9375rem;line-height:1.6}thead th{background:var(--bg-sunken);text-align:left;white-space:nowrap;color:var(--text);font-weight:700}th,td{border-bottom:1px solid var(--border);vertical-align:top;padding:.7rem .9rem}tbody tr:last-child td{border-bottom:0}td.num,th.num{text-align:right;font-family:var(--font-num);font-variant-numeric:tabular-nums;white-space:nowrap}.card-grid{grid-template-columns:repeat(auto-fill,minmax(min(100%,17rem),1fr));gap:1rem;display:grid}.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);color:inherit;flex-direction:column;gap:.5rem;padding:1.15rem 1.25rem;text-decoration:none;transition:border-color .15s,box-shadow .15s,transform .15s;display:flex}.card:hover{border-color:var(--border-strong);box-shadow:var(--shadow-md);transform:translateY(-1px)}.card--media{padding-top:0;overflow:hidden}.card__thumb{aspect-ratio:1200/630;object-fit:cover;border-bottom:1px solid var(--border);width:calc(100% + 2.5rem);max-width:none;height:auto;margin:0 -1.25rem .75rem}.card__title{letter-spacing:-.025em;color:var(--text);font-size:1.05rem;font-weight:700;line-height:1.45}.card__desc{color:var(--text-muted);margin:0;font-size:.9rem;line-height:1.6}.card__meta{color:var(--text-faint);flex-wrap:wrap;align-items:center;gap:.5rem;margin-top:auto;padding-top:.5rem;font-size:.8125rem;display:flex}.post-list{gap:0;margin:0;padding:0;list-style:none;display:grid}.post-list>li{border-bottom:1px solid var(--border)}.post-list>li:first-child{border-top:1px solid var(--border)}.post-row{color:inherit;grid-template-columns:152px 1fr;align-items:start;gap:1.1rem;padding:1.25rem .25rem;text-decoration:none;transition:background .15s;display:grid}.post-row:hover{background:var(--bg-subtle)}.post-row__thumb{aspect-ratio:1200/630;object-fit:cover;border:1px solid var(--border);background:var(--bg-sunken);border-radius:10px;width:100%;height:auto}.post-row__body{min-width:0}@media (width<=560px){.post-row{grid-template-columns:108px 1fr;gap:.85rem}}.post-row__title{letter-spacing:-.025em;color:var(--text);margin:0 0 .3rem;font-size:1.075rem;font-weight:700;line-height:1.45}.post-row:hover .post-row__title{color:var(--accent)}.post-row__desc{color:var(--text-muted);margin:0 0 .5rem;font-size:.9375rem;line-height:1.6}.post-row__meta{color:var(--text-faint);flex-wrap:wrap;align-items:center;gap:.5rem;font-size:.8125rem;display:flex}.list-count{color:var(--text-faint);margin:-1.25rem 0 1.75rem;font-size:.875rem}.pagination{border-top:1px solid var(--border);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:1rem;margin-top:2.5rem;padding-top:1.5rem;display:flex}.pagination__list{align-items:center;gap:.3rem;margin:0;padding:0;list-style:none;display:flex}.pagination__list a{border:1px solid var(--border);min-width:2.25rem;height:2.25rem;color:var(--text-muted);font-variant-numeric:tabular-nums;border-radius:8px;place-items:center;padding:0 .5rem;font-size:.9375rem;font-weight:600;text-decoration:none;display:grid}.pagination__list a:hover{border-color:var(--border-strong);background:var(--bg-subtle);color:var(--text)}.pagination__list a[aria-current=page]{background:var(--accent);border-color:var(--accent);color:#fff}.pagination__gap{color:var(--text-faint);padding:0 .15rem}.pagination__arrow{white-space:nowrap;font-size:.9375rem;font-weight:600;text-decoration:none}.pagination__arrow.is-disabled{color:var(--text-faint);opacity:.45}@media (width<=560px){.pagination{justify-content:center}.pagination__arrow{order:2}.pagination__list{order:1;justify-content:center;width:100%;margin-bottom:.5rem}}.pill{background:var(--accent-soft);color:var(--accent);border:1px solid var(--accent-border);white-space:nowrap;border-radius:999px;padding:.1rem .5rem;font-size:.75rem;font-weight:650;display:inline-block}.dot:before{content:"·";margin-right:.4rem}.article-hero{aspect-ratio:1200/630;border-radius:var(--radius-lg);border:1px solid var(--border);background:var(--bg-subtle);width:100%;height:auto;margin-bottom:1.75rem}.article-header{margin-bottom:2rem}.article-header h1{margin:.35rem 0 .85rem;font-size:clamp(1.6rem,4.6vw,2.2rem)}.article-header__meta{color:var(--text-faint);flex-wrap:wrap;align-items:center;gap:.5rem;font-size:.875rem;display:flex}.summary-box{background:var(--bg-subtle);border:1px solid var(--border);border-radius:var(--radius-lg);margin:1.75rem 0 2.25rem;padding:1.1rem 1.25rem}.summary-box h2{all:unset;font-family:var(--font-sans);letter-spacing:.06em;text-transform:uppercase;color:var(--text-faint);margin-bottom:.6rem;font-size:.78rem;font-weight:750;display:block}.summary-box ul{margin:0;padding-left:1.15rem;font-size:.9375rem;line-height:1.7}.summary-box li+li{margin-top:.35rem}.toc{border:1px solid var(--border);border-radius:var(--radius-lg);background:var(--surface);margin:0 0 2.25rem;padding:1rem 1.25rem}.toc>summary{cursor:pointer;letter-spacing:.06em;text-transform:uppercase;color:var(--text-faint);font-size:.8125rem;font-weight:750;list-style:none}.toc>summary::-webkit-details-marker{display:none}.toc>summary:after{content:" ▾";color:var(--text-faint)}.toc[open]>summary:after{content:" ▴"}.toc ol{margin:.85rem 0 0;padding-left:1.15rem;font-size:.9375rem;line-height:1.65}.toc li+li{margin-top:.35rem}.toc a{color:var(--text-muted);text-decoration:none}.toc a:hover{color:var(--accent);text-decoration:underline}.sources{border:1px solid var(--border);border-radius:var(--radius-lg);background:var(--bg-subtle);color:var(--text-muted);margin-top:3rem;padding:1.1rem 1.25rem;font-size:.875rem}.sources h2{all:unset;font-family:var(--font-sans);letter-spacing:.06em;text-transform:uppercase;color:var(--text-faint);margin-bottom:.6rem;font-size:.78rem;font-weight:750;display:block}.sources ul{margin:0;padding-left:1.15rem}.sources li,.sources a{overflow-wrap:anywhere}.sources li+li{margin-top:.3rem}.sources__verified{border-top:1px dashed var(--border-strong);color:var(--text-faint);margin-top:.9rem;padding-top:.75rem;font-size:.8125rem}.disclaimer{background:var(--warn-soft);border:1px solid var(--warn-border);border-radius:var(--radius);color:var(--warn);margin-top:1.5rem;padding:.9rem 1.1rem;font-size:.84rem;line-height:1.65}.next-nav{border-top:1px solid var(--border);margin-top:3rem;padding-top:1.75rem}.next-nav h2{margin:0 0 1rem;font-size:1.05rem}.calc{border:1px solid var(--border);border-radius:var(--radius-lg);background:var(--surface);box-shadow:var(--shadow-sm);margin:2rem 0;overflow:hidden}.calc__head{border-bottom:1px solid var(--border);background:var(--bg-subtle);padding:1.1rem 1.35rem}.calc__head h2{margin:0 0 .25rem;font-size:1.1rem}.calc__head p{color:var(--text-muted);margin:0;font-size:.875rem;line-height:1.6}.calc__body{gap:1.15rem;padding:1.35rem;display:grid}.field{gap:.4rem;display:grid}.field>label{color:var(--text);font-size:.9rem;font-weight:650}.field__hint{color:var(--text-faint);font-size:.8125rem;line-height:1.55}.field input[type=number],.field input[type=text],.field select{width:100%;color:var(--text);background:var(--bg);border:1px solid var(--border-strong);appearance:none;border-radius:8px;padding:.6rem .75rem;font-family:inherit;font-size:1rem}.field input:focus-visible,.field select:focus-visible,button:focus-visible,a:focus-visible{outline:2px solid var(--accent);outline-offset:2px}.field__row{grid-template-columns:1fr auto;align-items:center;gap:.5rem;display:grid}.field__unit{color:var(--text-muted);white-space:nowrap;font-size:.9rem}.radio-row{flex-wrap:wrap;gap:.5rem;display:flex}.radio-row label{border:1px solid var(--border-strong);cursor:pointer;background:var(--bg);white-space:nowrap;border-radius:8px;flex:auto;justify-content:center;align-items:center;gap:.35rem;padding:.5rem .75rem;font-size:.9rem;display:inline-flex}.radio-row input{opacity:0;width:0;height:0;position:absolute}.radio-row label:has(input:checked){border-color:var(--accent);background:var(--accent-soft);color:var(--accent);font-weight:650}.radio-row label:has(input:focus-visible){outline:2px solid var(--accent);outline-offset:2px}.calc__result{border-top:1px solid var(--border);background:var(--bg-subtle);padding:1.25rem 1.35rem}.result-headline{color:var(--text-muted);margin:0 0 .3rem;font-size:.8125rem}.result-value{font-family:var(--font-num);font-variant-numeric:tabular-nums;letter-spacing:-.03em;color:var(--accent);margin:0;font-size:clamp(1.6rem,6vw,2.1rem);font-weight:750;line-height:1.2}.result-value[data-tone=positive]{color:var(--positive)}.result-note{color:var(--text-muted);margin:.6rem 0 0;font-size:.84rem;line-height:1.6}.breakdown{border-top:1px dashed var(--border-strong);margin-top:1rem;padding-top:.85rem;font-size:.875rem}.breakdown dl{grid-template-columns:1fr auto;gap:.4rem 1rem;margin:0;display:grid}.breakdown dt{color:var(--text-muted)}.breakdown dd{text-align:right;font-family:var(--font-num);font-variant-numeric:tabular-nums;color:var(--text);margin:0}.breakdown .is-total dt,.breakdown .is-total dd{color:var(--text);border-top:1px solid var(--border-strong);padding-top:.4rem;font-weight:750}.checklist{gap:.6rem;display:grid}.checklist label{border:1px solid var(--border);background:var(--bg);cursor:pointer;border-radius:8px;align-items:flex-start;gap:.65rem;padding:.75rem .9rem;font-size:.9375rem;line-height:1.55;display:flex}.checklist label:has(input:checked){border-color:var(--accent-border);background:var(--accent-soft)}.checklist input{accent-color:var(--accent);flex-shrink:0;width:1rem;height:1rem;margin-top:.3rem}.checklist small{color:var(--text-faint);margin-top:.15rem;font-size:.8125rem;display:block}.btn{background:var(--accent);color:#fff;cursor:pointer;border:1px solid #0000;border-radius:8px;justify-content:center;align-items:center;gap:.4rem;padding:.6rem 1.1rem;font-family:inherit;font-size:.9375rem;font-weight:650;text-decoration:none;display:inline-flex}.btn:hover{background:var(--accent-hover);color:#fff}.btn--ghost{color:var(--accent);border-color:var(--border-strong);background:0 0}.btn--ghost:hover{background:var(--accent-soft);color:var(--accent)}.ad-slot{text-align:center;min-height:1px;margin:2.5rem 0}.ad-slot__label{letter-spacing:.08em;text-transform:uppercase;color:var(--text-faint);margin-bottom:.4rem;font-size:.6875rem;display:block}.hero{border-bottom:1px solid var(--border);background:linear-gradient(180deg, var(--bg-subtle), var(--bg));padding:3rem 0 2.5rem}.hero h1{letter-spacing:-.04em;margin:0 0 .9rem;font-size:clamp(1.9rem,6vw,2.85rem)}.hero p{color:var(--text-muted);max-width:34rem;margin:0 0 1.5rem;font-size:clamp(1rem,2.6vw,1.125rem);line-height:1.7}.hero__actions{flex-wrap:wrap;gap:.6rem;display:flex}.section-head{justify-content:space-between;align-items:baseline;gap:1rem;margin:3rem 0 1.25rem;display:flex}.section-head:first-of-type{margin-top:0}.section-head h2{margin:0;font-size:1.3rem}.section-head a{white-space:nowrap;font-size:.875rem;font-weight:600;text-decoration:none}.section-head a:hover{text-decoration:underline}.skip-link{background:var(--accent);color:#fff;z-index:100;border-radius:0 0 8px;padding:.6rem 1rem;position:absolute;top:0;left:-9999px}.skip-link:focus{left:0}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{transition-duration:.01ms!important;animation-duration:.01ms!important}}
