:root{--ink:#10243b;--navy:#0d2238;--blue:#1c4f7f;--teal:#1d736d;--gold:#c89842;--cream:#f7f4ec;--paper:#fffdf8;--muted:#64748b;--line:#dbe4ea;--white:#fff;--shadow:0 18px 50px rgba(15,35,55,.12);--radius:24px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Pretendard,"Noto Sans KR",system-ui,-apple-system,Segoe UI,sans-serif;color:var(--ink);background:var(--paper);line-height:1.75;word-break:keep-all}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}button,input{font:inherit}.wrap{width:min(1180px,calc(100% - 36px));margin:auto}.topbar{background:var(--navy);color:#d9e7f2;font-size:13px;text-align:center;padding:7px 12px}.site-header{position:sticky;top:0;z-index:30;background:rgba(255,253,248,.94);backdrop-filter:blur(16px);border-bottom:1px solid rgba(219,228,234,.8)}.nav{min-height:72px;display:flex;align-items:center;gap:26px}.brand{display:flex;align-items:center;gap:12px;font-weight:900;letter-spacing:-.04em}.brand-mark{width:38px;height:38px;border-radius:13px;background:linear-gradient(145deg,var(--navy),var(--blue));display:grid;place-items:center;color:#fff;font-family:Georgia,serif;box-shadow:0 8px 20px rgba(13,34,56,.24)}.brand small{display:block;font-size:11px;color:var(--muted);letter-spacing:.08em}.menu{display:flex;gap:22px;margin-left:auto;align-items:center;font-size:15px;font-weight:700}.menu a:hover{color:var(--blue)}.menu .pill{padding:9px 14px;border:1px solid var(--line);border-radius:999px;background:#fff}.hero{padding:72px 0 54px;background:radial-gradient(circle at 10% 0,#e8f2f4 0,transparent 38%),radial-gradient(circle at 90% 10%,#f3e9d2 0,transparent 35%),var(--cream)}.hero-grid{display:grid;grid-template-columns:1.07fr .93fr;gap:48px;align-items:center}.eyebrow{display:inline-flex;gap:8px;align-items:center;padding:7px 11px;border-radius:999px;background:#e5efef;color:#155d59;font-size:13px;font-weight:800}.hero h1{font-size:clamp(42px,7vw,78px);line-height:1.06;letter-spacing:-.065em;margin:20px 0}.hero h1 em{font-style:normal;color:var(--blue)}.hero p{font-size:18px;color:#40566c;max-width:650px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 18px;border-radius:14px;background:var(--navy);color:#fff;font-weight:800;border:1px solid var(--navy)}.btn.secondary{background:#fff;color:var(--navy);border-color:var(--line)}.hero-photo{position:relative}.hero-photo img{width:100%;height:520px;object-fit:cover;border-radius:34px;box-shadow:var(--shadow)}.float-card{position:absolute;left:-28px;bottom:28px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:16px 18px;box-shadow:var(--shadow);max-width:230px}.float-card b{display:block;font-size:22px}.section{padding:72px 0}.section.soft{background:#f5f8f8}.section-head{display:flex;justify-content:space-between;gap:20px;align-items:end;margin-bottom:28px}.section-head h2{font-size:clamp(30px,4vw,46px);letter-spacing:-.05em;line-height:1.2;margin:0}.section-head p{max-width:600px;color:var(--muted);margin:0}.grid{display:grid;gap:22px}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-4{grid-template-columns:repeat(4,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:.25s;box-shadow:0 6px 18px rgba(15,35,55,.04)}.card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.card img{width:100%;height:220px;object-fit:cover}.card-body{padding:22px}.card h3{font-size:23px;line-height:1.35;letter-spacing:-.035em;margin:0 0 8px}.card p{color:var(--muted);margin:0}.tag{font-size:12px;font-weight:800;color:var(--teal);letter-spacing:.04em}.money-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.money-tile{padding:22px;border-radius:20px;color:#fff;min-height:180px;display:flex;flex-direction:column;justify-content:space-between}.money-tile:nth-child(1){background:#12314c}.money-tile:nth-child(2){background:#1d736d}.money-tile:nth-child(3){background:#9a7530}.money-tile:nth-child(4){background:#4c5a68}.money-tile strong{font-size:25px}.money-tile span{opacity:.82;font-size:14px}.calc-shell{background:linear-gradient(135deg,#102b46,#1b4a71);color:#fff;border-radius:30px;padding:34px;box-shadow:var(--shadow)}.calc-shell h2{margin-top:0}.calc-tabs{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.calc-mini{padding:20px;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.14);border-radius:18px}.calc-mini b{display:block;font-size:20px;margin-bottom:6px}.article-hero{padding:64px 0 42px;background:#f3f6f5}.crumb{font-size:13px;color:var(--muted);margin-bottom:15px}.article-hero h1{font-size:clamp(38px,6vw,66px);line-height:1.14;letter-spacing:-.055em;margin:0 0 18px;max-width:950px}.lead{font-size:19px;color:#445b70;max-width:800px}.meta{display:flex;gap:15px;flex-wrap:wrap;color:var(--muted);font-size:13px;margin-top:22px}.article-cover{margin-top:34px}.article-cover img{width:100%;height:min(520px,52vw);min-height:300px;object-fit:cover;border-radius:28px}.article-layout{display:grid;grid-template-columns:minmax(0,760px) 320px;gap:48px;align-items:start}.prose{font-size:17px}.prose h2{font-size:32px;line-height:1.3;letter-spacing:-.04em;margin:48px 0 14px}.prose h3{font-size:23px;margin:30px 0 10px}.prose p{margin:0 0 19px}.prose ul,.prose ol{padding-left:22px}.prose li{margin:7px 0}.prose .note{background:#eef5f4;border-left:4px solid var(--teal);padding:18px 20px;border-radius:0 14px 14px 0}.prose .warning{background:#fbf3df;border-left:4px solid var(--gold);padding:18px 20px;border-radius:0 14px 14px 0}.prose table{width:100%;border-collapse:collapse;font-size:15px;margin:22px 0;display:block;overflow:auto}.prose th,.prose td{padding:12px;border:1px solid var(--line);text-align:left;white-space:nowrap}.prose th{background:#f4f7f8}.sidebox{position:sticky;top:100px;background:#fff;border:1px solid var(--line);border-radius:22px;padding:22px}.sidebox h3{margin-top:0}.sidebox a{display:block;padding:9px 0;border-bottom:1px solid #edf1f3;font-size:14px}.authorbox{display:flex;gap:16px;padding:22px;border:1px solid var(--line);border-radius:22px;background:#fff;margin-top:40px}.avatar{width:54px;height:54px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-family:Georgia,serif;font-size:20px;flex:none}.hub-hero{padding:58px 0;background:linear-gradient(140deg,#eef5f4,#fbf5e7)}.hub-hero h1{font-size:clamp(38px,6vw,64px);line-height:1.12;letter-spacing:-.05em;margin:10px 0}.hub-hero .hero-grid{grid-template-columns:1fr .8fr}.hub-hero img{height:390px;object-fit:cover;border-radius:28px;box-shadow:var(--shadow)}.calc-page{padding:62px 0}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}.calculator{background:#fff;border:1px solid var(--line);border-radius:24px;padding:24px}.calculator label{display:block;font-size:14px;font-weight:800;margin:13px 0 6px}.calculator input{width:100%;padding:12px 13px;border:1px solid #cfdbe2;border-radius:12px;background:#fbfdfd}.calculator button{margin-top:16px;width:100%;padding:12px;border:0;border-radius:12px;background:var(--navy);color:#fff;font-weight:900;cursor:pointer}.result{margin-top:14px;padding:14px;border-radius:12px;background:#eef5f4;font-weight:800;min-height:55px}.site-footer{background:#0b1d30;color:#d9e4ed;padding:56px 0 30px}.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:30px}.site-footer h4{color:#fff;margin-top:0}.site-footer a{display:block;color:#bccbd8;margin:7px 0;font-size:14px}.site-footer p{color:#aebdcc}.copyright{border-top:1px solid rgba(255,255,255,.1);margin-top:38px;padding-top:18px;color:#8fa2b3;font-size:13px}.legal{max-width:820px;margin:auto}.legal h1{font-size:48px;letter-spacing:-.05em}.legal h2{margin-top:38px}.source-note{font-size:12px;color:#7b8c99;margin-top:8px}.photo-credit{font-size:11px;color:#8291a0;margin-top:7px}.search-intro{background:#fff;border:1px solid var(--line);padding:18px;border-radius:18px;margin-top:22px}.ad-slot{display:none}.mobile-menu{display:none}
@media(max-width:900px){.hero-grid,.hub-hero .hero-grid,.article-layout,.footer-grid{grid-template-columns:1fr}.hero-photo img{height:410px}.float-card{left:14px}.grid-3,.grid-4,.money-grid,.calc-tabs,.calc-grid{grid-template-columns:1fr 1fr}.menu{display:none}.mobile-menu{display:inline-flex;margin-left:auto}.article-layout{gap:24px}.sidebox{position:static}.section{padding:54px 0}}
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