@import url('https://fonts.googleapis.com/css2?family=Noto+Sans+KR:wght@400;500;600;700;800&display=swap');
:root{--ink:#0b1f3a;--text:#23364d;--muted:#6f7e91;--line:#e5ebf2;--blue:#1677ff;--blue2:#0a5ad1;--pale:#f4f8fd;--card:#fff;--shadow:0 16px 45px rgba(17,42,77,.08);--r:22px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:'Noto Sans KR',sans-serif;color:var(--text);background:#fff;line-height:1.68}a{color:inherit;text-decoration:none}button,input,select{font:inherit}.wrap{max-width:1160px;margin:0 auto;padding:0 24px}.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}.nav{height:72px;display:flex;align-items:center;gap:30px}.brand{font-size:20px;font-weight:800;color:var(--ink);white-space:nowrap}.brand small{display:block;font-size:10px;font-weight:600;color:#8b99aa;letter-spacing:.04em;margin-top:-2px}.links{display:flex;gap:22px;font-size:14px;font-weight:600;color:#40526a}.links a:hover{color:var(--blue)}.search{margin-left:auto;background:#f6f8fb;border:1px solid var(--line);border-radius:12px;padding:10px 14px;display:flex;gap:8px;align-items:center;min-width:270px}.search input{border:0;background:transparent;outline:0;width:100%;font-size:13px}.hero{padding:76px 0 46px;background:radial-gradient(circle at 83% 22%,#e9f3ff 0,rgba(233,243,255,0) 32%),linear-gradient(#fff,#fbfdff)}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}.eyebrow{font-size:12px;font-weight:800;color:var(--blue);letter-spacing:.1em}.hero h1{font-size:56px;line-height:1.12;letter-spacing:-.055em;margin:12px 0 18px;color:var(--ink)}.hero p{font-size:19px;margin:0 0 26px;max-width:620px}.chips{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 28px}.chip{font-size:12px;padding:8px 10px;border:1px solid var(--line);border-radius:999px;background:#fff;color:#516178}.actions{display:flex;gap:12px;flex-wrap:wrap}.btn{border:0;border-radius:13px;padding:15px 20px;font-weight:800;cursor:pointer;display:inline-flex;align-items:center;justify-content:center;gap:8px}.btn.primary{background:var(--ink);color:#fff}.btn.primary:hover{background:#14375f}.btn.ghost{background:#fff;color:var(--ink);border:1px solid #ced8e5}.hero-panel{background:#eef6ff;border:1px solid #dcecff;border-radius:30px;padding:28px;min-height:330px;position:relative;overflow:hidden}.hero-panel:after{content:'';position:absolute;width:220px;height:220px;border:42px solid rgba(22,119,255,.08);border-radius:50%;right:-90px;bottom:-100px}.stat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:24px}.stat{background:#fff;border:1px solid #e3ebf6;border-radius:18px;padding:18px;box-shadow:0 10px 30px rgba(18,66,124,.05)}.stat b{display:block;font-size:23px;color:var(--ink);letter-spacing:-.03em}.stat span{font-size:12px;color:var(--muted)}.section{padding:54px 0}.section.alt{background:#f8fbff}.section-head{display:flex;align-items:end;justify-content:space-between;gap:30px;margin-bottom:24px}.section h2{font-size:31px;line-height:1.25;letter-spacing:-.04em;margin:0;color:var(--ink)}.section-head p{margin:8px 0 0;color:var(--muted)}.tool-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.tool{border:1px solid var(--line);border-radius:17px;padding:20px;background:#fff;transition:.2s}.tool:hover{transform:translateY(-2px);box-shadow:var(--shadow);border-color:#cbd8ea}.ico{width:38px;height:38px;border-radius:12px;background:#eaf3ff;color:var(--blue);display:grid;place-items:center;font-weight:800;margin-bottom:13px}.tool b{display:block;color:var(--ink);font-size:15px}.tool span{display:block;color:var(--muted);font-size:12px;margin-top:4px}.calc-shell{background:linear-gradient(135deg,#f4f9ff,#eef6ff);border:1px solid #dfeafa;border-radius:28px;padding:28px}.calc-title{display:flex;justify-content:space-between;gap:20px;align-items:flex-start;margin-bottom:20px}.calc-title h2{font-size:28px}.source-badge{font-size:11px;color:#516178;background:#fff;border:1px solid #dbe5f0;border-radius:999px;padding:7px 10px;white-space:nowrap}.form-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.field label{font-size:12px;font-weight:700;color:#55677d;display:block;margin:0 0 7px}.field input,.field select{width:100%;height:48px;border:1px solid #d5dfeb;background:#fff;border-radius:11px;padding:0 12px;color:#1c324c;outline:0}.field input:focus,.field select:focus{border-color:#75aefa;box-shadow:0 0 0 3px rgba(22,119,255,.08)}.span2{grid-column:span 2}.results{display:grid;grid-template-columns:1.25fr .75fr;gap:18px;margin-top:18px}.result-main,.result-side{background:#fff;border:1px solid #dfe7f1;border-radius:20px;padding:22px}.big-number{font-size:38px;font-weight:800;color:var(--ink);letter-spacing:-.05em}.result-row{display:flex;justify-content:space-between;gap:15px;padding:11px 0;border-bottom:1px solid #edf1f6;font-size:14px}.result-row:last-child{border-bottom:0}.result-row b{color:var(--ink)}.muted{color:var(--muted)}.note{font-size:12px;color:#728198;margin-top:12px}.content{max-width:820px}.content h2{font-size:28px;margin:46px 0 14px}.content h3{font-size:20px;color:var(--ink);margin:30px 0 10px}.content p,.content li{font-size:16px;color:#394d64}.content ul{padding-left:20px}.info-table{width:100%;border-collapse:collapse;margin:18px 0 8px;font-size:14px}.info-table th,.info-table td{border-bottom:1px solid var(--line);padding:12px 10px;text-align:left}.info-table th{background:#f7f9fc;color:#53657b}.faq{display:grid;gap:8px}.faq details{border:1px solid var(--line);border-radius:13px;padding:14px 16px;background:#fff}.faq summary{font-weight:700;color:var(--ink);cursor:pointer}.faq p{font-size:14px;color:#596b80}.foot{background:#0a1727;color:#c7d2df;padding:34px 0;margin-top:60px}.foot-grid{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}.foot b{color:#fff}.foot a{color:#dbe5ef;font-size:13px;margin-right:16px}.foot small{display:block;color:#8293a8;margin-top:6px}.breadcrumbs{font-size:12px;color:#8290a1;margin:24px 0}.page-hero{padding:34px 0 20px}.page-hero h1{font-size:42px;line-height:1.18;color:var(--ink);letter-spacing:-.05em;margin:7px 0 10px}.page-hero p{max-width:750px;font-size:17px;color:#52657b}.two-col{display:grid;grid-template-columns:1fr .85fr;gap:20px}.card{border:1px solid var(--line);border-radius:20px;background:#fff;padding:22px}.compare-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.compare-card{border:1px solid var(--line);border-radius:16px;padding:17px}.compare-card strong{display:block;color:var(--ink);font-size:19px}.bar{height:8px;border-radius:999px;background:#eaf0f6;overflow:hidden}.bar i{display:block;height:100%;background:linear-gradient(90deg,var(--blue),#61a5ff)}.dataset-search{position:relative}.suggestions{position:absolute;left:0;right:0;top:79px;background:#fff;border:1px solid #d6e1ed;border-radius:12px;box-shadow:var(--shadow);max-height:280px;overflow:auto;z-index:10;display:none}.suggestions button{display:block;width:100%;text-align:left;border:0;background:#fff;padding:11px 12px;cursor:pointer;border-bottom:1px solid #edf1f5}.suggestions button:hover{background:#f5f9ff}.kicker{font-weight:800;color:var(--blue);font-size:13px}.ad-anchor{height:1px;overflow:hidden}.legal-box{background:#f8fafc;border:1px solid var(--line);border-radius:16px;padding:17px;font-size:13px;color:#65768a}.pill{display:inline-flex;align-items:center;border-radius:999px;padding:6px 10px;background:#eaf4ff;color:#0a62d8;font-size:11px;font-weight:800}.mobile-only{display:none}
@media(max-width:900px){.links,.search{display:none}.nav{height:62px}.hero{padding:45px 0 34px}.hero-grid,.results,.two-col{grid-template-columns:1fr}.hero h1{font-size:42px}.hero-panel{min-height:auto}.tool-grid{grid-template-columns:repeat(2,1fr)}.form-grid{grid-template-columns:repeat(2,1fr)}.span2{grid-column:span 2}.page-hero h1{font-size:36px}.compare-grid{grid-template-columns:1fr}.mobile-only{display:block}}
@media(max-width:540px){.wrap{padding:0 17px}.hero h1{font-size:37px}.hero p{font-size:16px}.hero-panel{padding:20px}.stat-grid{grid-template-columns:1fr}.tool-grid{grid-template-columns:1fr 1fr}.form-grid{grid-template-columns:1fr}.span2{grid-column:span 1}.section{padding:42px 0}.section h2{font-size:27px}.calc-shell{padding:18px;border-radius:22px}.calc-title{display:block}.source-badge{display:inline-block;margin-top:8px}.big-number{font-size:32px}.page-hero h1{font-size:32px}.section-head{display:block}}


.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.article-grid.compact{grid-template-columns:repeat(2,1fr)}.article-card{display:block;border:1px solid var(--line);border-radius:18px;padding:21px;background:#fff;transition:.2s}.article-card:hover{transform:translateY(-2px);box-shadow:var(--shadow);border-color:#c9d8ea}.article-card span{display:block;font-size:11px;font-weight:800;color:var(--blue);margin-bottom:8px}.article-card b{display:block;font-size:17px;line-height:1.45;color:var(--ink);letter-spacing:-.025em}.article-card p{font-size:13px;line-height:1.65;color:var(--muted);margin:9px 0 0}.guide-group{margin-bottom:52px}.guide-group>h2{font-size:27px;color:var(--ink);letter-spacing:-.035em;margin:0 0 18px}.article-hero{padding:40px 0 24px;background:linear-gradient(#fff,#fbfdff)}.article-wrap{max-width:820px}.article-hero h1{font-size:43px;line-height:1.22;letter-spacing:-.05em;color:var(--ink);margin:10px 0 14px}.article-hero p{font-size:18px;color:#53667c;margin:0}.article-meta{font-size:12px;color:#8895a5;margin-top:17px}.article-section{padding-top:24px}.article-body{font-size:16px}.article-body .lead{font-size:19px;line-height:1.8;color:#263b53}.article-body h2{font-size:27px;margin:48px 0 14px}.article-body h3{font-size:20px;margin:30px 0 10px}.article-body p,.article-body li{font-size:16px;line-height:1.85;color:#394d64}.article-body ol,.article-body ul{padding-left:22px}.formula-box,.callout{border:1px solid #dce8f6;background:#f5f9ff;border-radius:16px;padding:18px 20px;margin:22px 0}.formula-box b{display:block;color:var(--ink);margin-bottom:5px}.formula-box span{font-size:15px;color:#405b78}.source-box{margin:48px 0 24px;padding:20px;border:1px solid var(--line);border-radius:17px;background:#fafcfe}.source-box>b{color:var(--ink)}.source-box ul{margin:10px 0;padding-left:20px}.source-box a{color:#0b63ce;font-weight:700}.source-box p{font-size:13px;color:#758499;margin-bottom:0}.calc-cta{margin:50px 0;background:#0b1f3a;color:white;border-radius:22px;padding:28px}.calc-cta span{font-size:12px;color:#9ec5f2;font-weight:800}.calc-cta h2{color:white;margin:6px 0 8px}.calc-cta p{color:#c6d5e6;margin:0 0 18px}.calc-cta .btn.primary{background:white;color:#0b1f3a}.related-guides{background:#f8fbff;margin-top:20px}
@media(max-width:900px){.article-grid{grid-template-columns:repeat(2,1fr)}.article-hero h1{font-size:36px}}@media(max-width:540px){.article-grid,.article-grid.compact{grid-template-columns:1fr}.article-hero h1{font-size:32px}.article-body .lead{font-size:17px}}

.cost-visual{height:92px;margin:28px 4px 6px;display:flex;align-items:flex-end;gap:10px;padding:0 14px;border-bottom:1px solid rgba(69,118,179,.22)}.cost-visual span{display:block;flex:1;max-width:58px;border-radius:10px 10px 2px 2px;background:linear-gradient(180deg,#9ec7fb,#d7e9ff)}.cost-visual span:nth-child(1){height:28%}.cost-visual span:nth-child(2){height:45%}.cost-visual span:nth-child(3){height:62%}.cost-visual span:nth-child(4){height:78%}.cost-visual span:nth-child(5){height:100%;background:linear-gradient(180deg,#5f9ff4,#9fc9ff)}
.field input[data-comma],.big-number,.stat b,.result-row b{font-variant-numeric:tabular-nums}.field input[data-comma]{letter-spacing:-.01em}

/* v4 typography refinement: calmer, denser headings */
.hero h1{font-size:48px;line-height:1.16;letter-spacing:-.045em}
.section h2{font-size:27px;line-height:1.32;letter-spacing:-.035em}
.calc-title h2{font-size:24px;line-height:1.35}
.content h2{font-size:24px;line-height:1.42;margin:40px 0 12px}
.content h3{font-size:18px;line-height:1.48;margin:26px 0 9px}
.page-hero h1{font-size:34px;line-height:1.26;letter-spacing:-.04em}
.guide-group>h2{font-size:24px;line-height:1.35;letter-spacing:-.03em}
.article-hero{padding:34px 0 20px}
.article-hero h1{font-size:34px;line-height:1.32;letter-spacing:-.04em;margin:9px 0 12px}
.article-hero p{font-size:17px;line-height:1.72}
.article-body h2{font-size:22px;line-height:1.42;letter-spacing:-.025em;margin:42px 0 12px}
.article-body h3{font-size:18px;line-height:1.5;letter-spacing:-.015em;margin:26px 0 9px}
.calc-cta h2{font-size:22px;line-height:1.4}
@media(max-width:900px){
  .hero h1{font-size:39px}
  .page-hero h1{font-size:31px}
  .article-hero h1{font-size:31px}
}
@media(max-width:540px){
  .hero h1{font-size:34px}
  .section h2{font-size:24px}
  .page-hero h1{font-size:28px}
  .article-hero h1{font-size:28px;line-height:1.36}
  .article-body h2{font-size:21px;margin-top:36px}
  .article-body h3{font-size:18px}
}

/* v5 visual refinement: softer hierarchy, less heavy black typography */
:root{
  --ink:#183451;
  --text:#41566d;
  --muted:#75879a;
}
body{color:var(--text)}
.brand{font-weight:700;color:#17324d}
.links{font-weight:500;color:#53667b}
.hero h1{font-weight:700;color:#17324d}
.hero p{color:#4e6278}
.section h2,
.calc-title h2,
.page-hero h1,
.guide-group>h2,
.article-hero h1{
  color:#1a3b5b;
  font-weight:700;
}
.content h2,
.article-body h2{
  color:#234866;
  font-weight:700;
}
.content h3,
.article-body h3{
  color:#3e607b;
  font-weight:600;
}
.article-body .lead{color:#334d66;font-weight:400}
.article-card b{color:#294964;font-weight:600}
.tool b{color:#294964;font-weight:600}
.stat b,.big-number{color:#173b5a;font-weight:700}
.result-row b{color:#2d4d67;font-weight:600}
.field label{font-weight:600;color:#62758a}
.faq summary{font-weight:600;color:#2e4e68}
.formula-box b,.source-box>b{color:#2a4b66;font-weight:600}
.kicker{font-weight:700}
.eyebrow{font-weight:700}
.btn{font-weight:700}
.pill{font-weight:700}
.article-card span{font-weight:700}
/* keep primary actions intentionally dark for contrast */
.btn.primary{background:#173653}
.btn.primary:hover{background:#224a6e}
.calc-cta{background:#173653}