:root{--bg:#f4f7f6;--card:#fff;--ink:#14201e;--muted:#5d6b68;--line:#dfe6e4;--teal:#0f766e;--teal-soft:#e2f3f0;--warn:#b45309;--warn-soft:#fef3c7;color-scheme:light}
*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--ink);font-family:system-ui,-apple-system,'Apple SD Gothic Neo','Malgun Gothic',sans-serif;font-size:15px;line-height:1.6}
a{color:var(--teal)}button,input{font:inherit}button{cursor:pointer}button:focus-visible,a:focus-visible,input:focus-visible,summary:focus-visible{outline:2px solid var(--teal);outline-offset:2px}
main,.top,.foot{max-width:720px;margin:0 auto;padding:0 16px}
.top{display:flex;justify-content:space-between;align-items:center;height:60px}.brand{display:flex;align-items:center;gap:8px;font-weight:800;color:var(--ink);text-decoration:none}.brand i{font-style:normal;display:grid;place-items:center;width:28px;height:28px;border-radius:8px;background:var(--teal);color:#fff;font-size:15px}.top span{font-size:12px;color:var(--muted)}
.intro h1{font-size:30px;letter-spacing:-1px;margin:8px 0 4px}.intro p{margin:0 0 16px;color:var(--muted)}
.panel{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:20px 18px;margin-bottom:16px}.panel h2{font-size:19px;margin:0 0 10px;letter-spacing:-.4px}.panel h3{font-size:15px;margin:20px 0 6px}
label{display:block;font-size:13px;font-weight:600;margin:0 0 14px}label small{font-weight:400;color:var(--muted);margin-left:6px}
input{display:block;width:100%;margin-top:6px;padding:13px 12px;border:1px solid var(--line);border-radius:12px;background:#fbfcfc;color:var(--ink);font-size:16px}input:focus{border-color:var(--teal);outline:0;background:#fff}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}.row3{display:grid;grid-template-columns:repeat(3,1fr);gap:6px;margin-bottom:6px}.row3 input{margin-top:0;font-size:14px;padding:11px 8px}
.money{position:relative;display:block}.money b{position:absolute;right:12px;bottom:13px;font-weight:500;color:var(--muted);font-size:14px}.row3 .money b{bottom:11px;right:8px;font-size:12px}.money input{padding-right:34px;text-align:right}
details#adv{margin:0 0 6px;border-top:1px solid var(--line);padding-top:12px}details summary{cursor:pointer;font-size:13px;font-weight:700;color:var(--teal)}details#adv[open] summary{margin-bottom:12px}.sub{font-size:12px;color:var(--muted);margin:0 0 8px}
.primary{width:100%;margin-top:10px;border:0;border-radius:14px;background:var(--teal);color:#fff;font-weight:800;font-size:16px;padding:16px}.primary:hover{filter:brightness(1.07)}
#err{color:#b91c1c;font-size:13px;margin:8px 0 0}#err:empty{display:none}
#result{margin-top:18px;border-top:1px solid var(--line);padding-top:18px;scroll-margin-top:12px}
.big{background:var(--teal-soft);border-radius:16px;padding:18px;text-align:center}.big span{display:block;font-size:13px;color:var(--teal);font-weight:700}.big strong{display:block;font-size:32px;letter-spacing:-1px;margin:2px 0}.big em{font-style:normal;color:var(--muted);font-size:14px}
.kv{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin:12px 0}.kv div{border:1px solid var(--line);border-radius:12px;padding:10px 12px}.kv span{display:block;font-size:12px;color:var(--muted)}.kv b{font-size:15px}.kv small{font-weight:400;color:var(--muted)}
.warn{background:var(--warn-soft);color:var(--warn);border-radius:12px;padding:10px 12px;font-size:13px;margin:0 0 12px}
.how{border:1px solid var(--line);border-radius:12px;padding:12px}.how ol{padding-left:18px;margin:10px 0;font-size:13px}.how li{margin:4px 0}
.ghost{width:100%;margin-top:10px;border:1px solid var(--line);background:#fff;border-radius:12px;padding:12px;font-weight:700}
.note{font-size:13px;color:var(--muted);margin:0 0 10px}.scroll{overflow-x:auto}.tbl{width:100%;border-collapse:collapse;font-size:14px;white-space:nowrap}.tbl th,.tbl td{padding:9px 8px;border-top:1px solid var(--line);text-align:right}.tbl thead th{font-size:12px;color:var(--muted);border-top:0}.tbl tbody th,.tbl td:first-child{text-align:left}.tbl tbody th{font-weight:600}
.steps{padding-left:18px;font-size:14px;color:#3a4745}.steps li{margin:6px 0}
.faq p,.doc p{font-size:14px;color:#3a4745;margin:0}.doc h1{font-size:24px;margin:0 0 12px}.doc h2{font-size:16px;margin:20px 0 6px}
.foot{padding:10px 16px 40px;font-size:12px;color:var(--muted)}.foot nav{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:6px}.foot a{color:var(--muted)}
@media(max-width:420px){.kv{grid-template-columns:1fr}.big strong{font-size:28px}}
@media(min-width:721px){.intro h1{font-size:38px}.panel{padding:26px}}
.row2>label,.row3>*{min-width:0}input[type=date]{min-width:0;-webkit-appearance:none;appearance:none;min-height:50px}
.top .tabs{display:flex;gap:4px;background:#e6eeec;border-radius:10px;padding:3px}.tabs a{padding:6px 12px;border-radius:8px;font-size:13px;font-weight:700;color:var(--muted);text-decoration:none}.tabs a[aria-current]{background:#fff;color:var(--teal);box-shadow:0 1px 2px #0001}
.tbl.narrow{max-width:360px}.tbl tr.cur th,.tbl tr.cur td{background:var(--teal-soft)}.tbl small{color:var(--muted);font-size:11px;margin-left:4px}
.payout{margin:4px 0 0;font-size:14px;background:var(--teal-soft);border-radius:12px;padding:12px}.payout strong{color:var(--teal);font-size:17px}
.primary.link{display:block;text-align:center;text-decoration:none}.how p.sub{margin:10px 0 0;font-size:13px}.how .tbl{margin-top:8px}
.top span{display:inline}.tabs{max-width:720px;margin:0 auto 6px;padding:0 16px;display:flex;gap:6px;overflow-x:auto;scrollbar-width:none;background:none}.tabs::-webkit-scrollbar{display:none}.tabs a{flex:none;padding:8px 13px;border-radius:20px;font-size:13px;font-weight:700;color:var(--muted);text-decoration:none;background:#e6eeec}.tabs a[aria-current]{background:var(--teal);color:#fff;box-shadow:none}
select{display:block;width:100%;margin-top:6px;padding:13px 12px;border:1px solid var(--line);border-radius:12px;background:#fbfcfc;color:var(--ink);font-size:16px;font:inherit}
.check{display:flex;align-items:center;gap:8px;font-weight:500}.check input{width:20px;height:20px;margin:0;flex:none}.check.tall{align-self:end;min-height:50px;margin-bottom:14px}
.seg2{display:grid;grid-template-columns:1fr 1fr;background:#e6eeec;border-radius:12px;padding:3px;margin-bottom:14px}.seg2 button{border:0;background:transparent;padding:10px;border-radius:9px;font-weight:700;color:var(--muted)}.seg2 button[aria-pressed="true"]{background:#fff;color:var(--teal);box-shadow:0 1px 2px #0001}
.chips{display:flex;flex-wrap:wrap;gap:6px;margin:-6px 0 14px}.chips button{border:1px solid var(--line);background:#fff;border-radius:20px;padding:6px 11px;font-size:12px;color:var(--teal);font-weight:700}
.breakdown{margin-top:12px}.breakdown th{text-align:left;font-weight:500}.breakdown tr.sum th,.breakdown tr.sum td{font-weight:800;border-top:2px solid var(--ink)}
.facts{padding-left:18px;margin:0 0 8px;font-size:14px;color:#3a4745}.facts li{margin:5px 0}