:root{
  --paper:#FBFBF8;
  --field:#FFFFFF;
  --ink:#1A1D26;
  --mute:#6F7380;
  --line:#DDDED6;
  --stamp:#CC2E2A;
  --hl:#FFF0A8;
  --radius:10px;
  --side:236px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:"Pretendard Variable",Pretendard,-apple-system,BlinkMacSystemFont,"Apple SD Gothic Neo","Noto Sans KR",system-ui,sans-serif;
  font-size:16px;line-height:1.55;
  font-variant-numeric:tabular-nums;
}
a{color:inherit}

/* layout */
.app{display:grid;grid-template-columns:var(--side) 1fr;min-height:100vh}
.side{position:sticky;top:0;height:100vh;overflow-y:auto;border-right:1px solid var(--line);background:var(--paper);padding:28px 18px 24px;display:flex;flex-direction:column;gap:22px}
.brand{display:flex;align-items:center;gap:8px;font-size:17px;font-weight:800;letter-spacing:-.02em;margin:0;padding:0 6px}
.brand::before{content:"";width:9px;height:9px;border-radius:50%;background:var(--stamp);flex-shrink:0}
.brand small{display:block;font-size:11px;font-weight:500;color:var(--mute);letter-spacing:.04em;margin-top:2px}
.brand a{text-decoration:none}
.menu{list-style:none;margin:0;padding:0}
.menu .grp{font-size:11px;letter-spacing:.08em;color:var(--mute);text-transform:uppercase;padding:8px 8px 6px;margin-top:8px}
.menu a{display:flex;justify-content:space-between;align-items:center;gap:8px;padding:9px 10px;border-radius:8px;text-decoration:none;font-size:15px;font-weight:500;color:var(--ink)}
.menu a:hover{background:#F0F0EA}
.menu a[aria-current="page"]{background:var(--ink);color:#fff;font-weight:700}
.menu a[aria-current="page"]::after{content:"›";opacity:.6}
.menu a:focus-visible{outline:2px solid var(--stamp);outline-offset:2px}
.side .meta{margin-top:auto;font-size:11.5px;color:var(--mute);line-height:1.6;padding:0 8px}
.main{min-width:0}
.wrap{max-width:640px;margin:0 auto;padding:36px 24px 80px}

/* topbar (mobile only) */
.topbar{display:none;position:sticky;top:0;z-index:20;background:var(--paper);border-bottom:1px solid var(--line);height:54px;align-items:center;padding:0 12px;gap:8px}
.topbar button{appearance:none;border:0;background:none;width:40px;height:40px;border-radius:8px;cursor:pointer;display:grid;place-items:center}
.topbar button:focus-visible{outline:2px solid var(--stamp)}
.topbar .bars{width:20px;height:2px;background:var(--ink);box-shadow:0 -6px 0 var(--ink),0 6px 0 var(--ink)}
.topbar strong{font-size:16px}
.scrim{display:none;position:fixed;inset:0;background:rgba(26,29,38,.4);z-index:29}
.scrim.show{display:block}

@media (max-width:860px){
  :root{--side:260px}
  .app{display:block}
  .topbar{display:flex}
  .side{position:fixed;left:0;top:0;bottom:0;width:var(--side);z-index:30;transform:translateX(-100%);transition:transform .22s ease;box-shadow:none}
  .side.open{transform:none;box-shadow:12px 0 40px rgba(0,0,0,.12)}
  .wrap{padding:24px 18px 80px}
}
@media (prefers-reduced-motion:reduce){.side{transition:none}}

/* panel — h1은 페이지당 하나(계산기 제목). 사이드바 브랜드는 div라 h1을 뺏지 않는다. */
.panel>h1{font-size:22px;margin:0 0 4px;font-weight:700}
.panel>.lead{margin:0 0 22px;color:var(--mute);font-size:14px}

/* form */
.form{display:grid;gap:16px}
.f{display:grid;gap:6px}
.f label{font-size:13px;font-weight:600;color:var(--ink)}
.f small{font-size:12px;color:var(--mute);font-weight:400}
.in{display:flex;align-items:center;background:var(--field);border:1px solid var(--line);border-radius:var(--radius);padding:0 12px;height:46px}
.in:focus-within{border-color:var(--ink);box-shadow:0 0 0 3px rgba(26,29,38,.08)}
.in input,.in select{flex:1;min-width:0;border:0;background:none;font:inherit;font-size:17px;color:var(--ink);outline:none;height:100%;padding:0}
.in input[type=number]::-webkit-outer-spin-button,.in input[type=number]::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.in input[type=number]{-moz-appearance:textfield}
.in .unit{color:var(--mute);font-size:14px;margin-left:8px;flex-shrink:0}
.two{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:420px){.two{grid-template-columns:1fr}}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chip{position:relative}
.chip input{position:absolute;opacity:0;inset:0;cursor:pointer}
.chip span{display:inline-block;padding:9px 13px;border:1px solid var(--line);border-radius:999px;font-size:14px;background:var(--field);cursor:pointer;user-select:none}
.chip input:checked+span{border-color:var(--ink);background:var(--ink);color:#fff}
.chip input:focus-visible+span{outline:2px solid var(--stamp);outline-offset:2px}

/* 명세서 (result) */
.slip{position:relative;margin-top:26px;background:var(--field);border:1px solid var(--line);border-radius:var(--radius);padding:22px 20px 18px;overflow:hidden}
.slip::before{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:repeating-linear-gradient(90deg,var(--ink) 0 6px,transparent 6px 10px);opacity:.15}
.slip h3{margin:0 0 14px;font-size:13px;font-weight:700;letter-spacing:.04em;color:var(--mute);text-transform:uppercase}
.row{display:flex;align-items:baseline;font-size:15px;padding:6px 0}
.row .k{color:var(--mute);flex-shrink:0}
.row .dots{flex:1;border-bottom:2px dotted var(--line);margin:0 8px;transform:translateY(-5px)}
.row .v{font-weight:600;white-space:nowrap}
.row.sub .k{padding-left:14px;font-size:14px}
.row.sub .v{font-weight:500;font-size:14px}
.total{margin-top:14px;padding-top:14px;border-top:1px solid var(--ink);display:flex;justify-content:space-between;align-items:baseline;gap:12px;flex-wrap:wrap}
.total .k{font-size:14px;font-weight:700}
.total .v{font-size:30px;font-weight:800;letter-spacing:-.02em;background:linear-gradient(transparent 55%,var(--hl) 55%);padding:0 4px}
.total .v small{font-size:15px;font-weight:600;margin-left:2px}
.stamp{position:absolute;top:14px;right:14px;width:62px;height:62px;border:2.5px solid var(--stamp);border-radius:50%;color:var(--stamp);font-size:11px;font-weight:800;line-height:1.15;display:flex;align-items:center;justify-content:center;text-align:center;transform:rotate(-12deg);opacity:0;transition:opacity .2s}
.slip.ready .stamp{opacity:.9}
@media (prefers-reduced-motion:reduce){.stamp{transition:none}}
.empty{color:var(--mute);font-size:14px;padding:18px 0 8px;text-align:center}
.note{margin-top:14px;font-size:13px;color:var(--mute);line-height:1.6}
.note b{color:var(--ink);font-weight:600}
.warn{margin-top:12px;padding:10px 12px;border-left:3px solid var(--stamp);background:#FFF5F4;font-size:13px;color:var(--ink);border-radius:0 6px 6px 0}

/* faq */
.faq{margin-top:40px;padding-top:24px;border-top:1px solid var(--line)}
.faq h3{font-size:16px;margin:0 0 12px}
.faq details{border-bottom:1px solid var(--line);padding:12px 0}
.faq summary{cursor:pointer;font-weight:600;font-size:15px;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--mute);font-weight:400}
.faq details[open] summary::after{content:"−"}
.faq p{margin:10px 0 0;font-size:14px;color:#3d414b;line-height:1.65}

footer{margin-top:56px;padding-top:20px;border-top:1px solid var(--line);font-size:12px;color:var(--mute);line-height:1.7}
.ad{margin:28px 0 0;min-height:0}


/* 상환 스케줄 */
.sched{margin-top:12px}
.sched details{border:1px solid var(--line);border-radius:var(--radius);background:var(--field)}
.sched summary{cursor:pointer;padding:12px 16px;font-size:14px;font-weight:600;list-style:none;display:flex;justify-content:space-between}
.sched summary::-webkit-details-marker{display:none}
.sched summary::after{content:"+";color:var(--mute);font-weight:400}
.sched details[open] summary::after{content:"−"}
.tbl{overflow-x:auto;max-height:420px;overflow-y:auto;border-top:1px solid var(--line)}
.tbl table{border-collapse:collapse;width:100%;font-size:12.5px;white-space:nowrap}
.tbl th{position:sticky;top:0;background:#F3F3EE;color:var(--mute);font-weight:600;text-align:right;padding:8px 12px;border-bottom:1px solid var(--line)}
.tbl td{text-align:right;padding:6px 12px;border-bottom:1px solid #EFEFE9}
.tbl th:first-child,.tbl td:first-child{text-align:left;color:var(--mute)}

/* 가이드 본문 */
.article h2{font-size:17px;font-weight:700;margin:34px 0 10px;letter-spacing:-.01em}
.article p{margin:0 0 12px;font-size:15px;line-height:1.75;color:#33363f}
.article ul,.article ol{margin:0 0 12px;padding-left:20px;font-size:15px;line-height:1.75;color:#33363f}
.article li{margin:0 0 6px}
.article b{color:var(--ink);font-weight:700}
.article .box{background:var(--field);border:1px solid var(--line);border-radius:var(--radius);padding:14px 16px;margin:0 0 14px}
.article .box p:last-child,.article .box ul:last-child{margin-bottom:0}
.article .box .h{font-size:12px;font-weight:700;letter-spacing:.04em;color:var(--mute);text-transform:uppercase;margin:0 0 8px}
.cta{margin:26px 0 0}
.cta a{display:inline-block;background:var(--ink);color:#fff;text-decoration:none;font-size:14px;font-weight:600;padding:11px 16px;border-radius:var(--radius)}
.cta a:hover{opacity:.88}
.cta a:focus-visible{outline:2px solid var(--stamp);outline-offset:2px}

/* 연봉 페이지 이전/다음 */
.pager{display:flex;justify-content:space-between;gap:12px;margin-top:32px;padding-top:18px;border-top:1px solid var(--line);font-size:14px}
.pager a{color:var(--mute);text-decoration:none;font-weight:500}
.pager a:hover{color:var(--ink)}
.pager a:focus-visible{outline:2px solid var(--stamp);outline-offset:2px}

/* 목록 페이지 */
.cards{list-style:none;margin:22px 0 0;padding:0;display:grid;gap:10px}
.cards a{display:block;background:var(--field);border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px;text-decoration:none}
.cards a:hover{border-color:var(--ink)}
.cards a:focus-visible{outline:2px solid var(--stamp);outline-offset:2px}
.cards .t{font-size:16px;font-weight:700;display:flex;align-items:baseline;justify-content:space-between;gap:10px}
.cards .t::after{content:"›";color:var(--mute);font-weight:400}
.cards .d{margin:4px 0 0;font-size:13.5px;color:var(--mute);line-height:1.55}
.facts{margin-top:34px;padding:16px 18px;background:var(--field);border:1px solid var(--line);border-radius:var(--radius)}
.facts h3{margin:0 0 10px;font-size:13px;font-weight:700;letter-spacing:.04em;color:var(--mute);text-transform:uppercase}