@import url('https://fonts.googleapis.com/css2?family=Noto+Sans+KR:wght@400;500;600;700;800&display=swap');
:root{color-scheme:light;--bg:#f3f5f7;--surface:#fff;--text:#202d32;--muted:#727f87;--border:#e3e8eb;--field:#f8fafb;--green:#1d7057;--soft:#eaf3ee;--line:#b7c5bf}*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--text);font-family:'Noto Sans KR',sans-serif;font-size:16px;line-height:1.6}body.dark{color-scheme:dark;--bg:#101918;--surface:#192422;--text:#e8f1ed;--muted:#a6b7af;--border:#33423d;--field:#202e29;--green:#a8dfbd;--soft:#2b4034;--line:#72877c}button,input,select{font:inherit}button,select,summary{cursor:pointer}button,a,input,select,summary{outline-offset:4px}button{color:inherit}header{height:86px;background:var(--surface);border-bottom:1px solid var(--border);display:flex;align-items:center;justify-content:space-between;padding:0 max(24px,calc((100vw - 1240px)/2))}.brand{color:var(--text);text-decoration:none;display:flex;align-items:center;gap:12px;font-weight:800;font-size:20px;letter-spacing:1px}.brand-icon{background:#205e4b;color:#c2ee9d;border-radius:9px;width:34px;height:34px;text-align:center;font-size:25px}.brand-tag{font-size:13px;font-weight:500;color:var(--muted);letter-spacing:0;margin-left:13px;border-left:1px solid var(--border);padding-left:24px}.icon-button{border:1px solid var(--border);border-radius:9px;background:var(--surface);padding:8px 13px;font-size:14px}main{max-width:1240px;padding:38px 0 0;margin:auto}.intro{display:flex;justify-content:space-between;align-items:center;margin-bottom:30px}.eyebrow{font-size:12px;letter-spacing:2px;color:var(--green);font-weight:700}h1{font-size:30px;letter-spacing:-1.2px;line-height:1.4;margin:9px 0}p{margin:0;color:var(--muted)}.intro p{font-size:15px}.intro-note{font-size:14px;color:var(--muted)}.workspace{display:grid;grid-template-columns:335px minmax(0,1fr);gap:24px;align-items:start}.panel{background:var(--surface);border:1px solid var(--border);border-radius:16px}.input-panel{padding:25px}.section-heading{display:flex;justify-content:space-between;align-items:center;gap:16px}h2{font-size:17px;margin:0;font-weight:700;letter-spacing:-.4px}.step{font-size:12px;color:var(--muted);font-weight:500}.section-heading p{font-size:14px;margin-top:5px}.segmented{display:flex;background:var(--field);padding:4px;border-radius:9px;margin:23px 0}.segmented button{width:50%;border:0;background:transparent;border-radius:7px;padding:9px;font-size:14px;color:var(--muted)}.segmented button.active{background:var(--surface);color:var(--green);box-shadow:0 1px 5px #00000012;font-weight:700}label{display:block;font-size:14px;font-weight:500;margin:19px 0 8px}.field-title{display:flex;align-items:center;justify-content:space-between;margin-top:15px}.field-title label{margin:0}.field-title select{border:0;background:transparent;font-size:12px;padding:5px;width:auto}.input-wrap{display:flex;border:1px solid var(--border);background:var(--field);border-radius:8px;align-items:center;min-width:0;height:48px}.field-title+.input-wrap{margin-top:8px}.input-wrap:focus-within{border-color:var(--green)}input{width:100%;min-width:0;background:none;border:0;color:var(--text);padding:11px 12px;outline:none;font-variant-numeric:tabular-nums}input::-webkit-inner-spin-button{appearance:none}.input-wrap span{font-size:14px;color:var(--muted);padding-right:12px;white-space:nowrap}.paired{display:flex;gap:8px}.paired>.input-wrap{flex:1}select{border:1px solid var(--border);background:var(--field);border-radius:8px;color:var(--text);padding:10px 8px;font-size:14px;max-width:100%}.paired select{width:100px}details{font-size:14px}#advanced{border-top:1px solid var(--border);margin-top:24px;padding-top:18px}summary{font-weight:500}#advanced summary span{float:right;font-size:12px;color:var(--muted)}#advanced select{width:100%}.calculate{margin-top:22px;background:#24674f;color:white;border:0;border-radius:9px;width:100%;padding:13px 16px;font-weight:600;font-size:15px;display:flex;justify-content:space-between}.calculate:hover{background:#19583f}.input-note{text-align:center;font-size:12px;margin-top:12px}#error{color:#c84837;font-size:14px;margin-top:16px}.results{min-width:0}.hero-result{padding:25px 29px;background:#164f3e;color:white;border-radius:16px;position:relative;overflow:hidden}.hero-top{display:flex;align-items:center;justify-content:space-between;font-size:14px;color:#d6e7de}.badge{font-size:12px;border:1px solid #ffffff30;border-radius:30px;padding:4px 12px}.hero-result>strong{font-size:clamp(28px,3.1vw,43px);letter-spacing:-1.5px;display:block;margin:11px 0 5px;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}.hero-result p{font-size:13px;color:#b8d4c4}.composition{height:7px;background:#bbeb8e;border-radius:9px;margin-top:22px;overflow:hidden}.composition>div{background:#699c87;height:100%;width:50%}.composition-label{display:flex;justify-content:space-between;color:#c4e0d1;font-size:12px;margin-top:9px}.composition-label span:last-child{color:#c5ef9e}.composition-label b{font-weight:500;margin-left:5px}.metrics{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px;margin:16px 0}.metrics article{border:1px solid var(--border);border-radius:12px;background:var(--surface);padding:18px}.metrics article>span{font-size:13px;color:var(--muted)}.metrics strong{font-size:21px;display:block;margin:8px 0;letter-spacing:-.6px;overflow-wrap:anywhere}.metrics small{font-size:11px;color:var(--muted)}#profit,#return{color:var(--green)}.chart-panel{padding:24px}.legend{display:flex;gap:15px;font-size:12px;white-space:nowrap}.legend span:before{content:'';display:inline-block;width:8px;height:8px;border-radius:50%;margin-right:6px}.value-dot:before{background:var(--green)}.principal-dot:before{background:var(--line)}.chart{height:245px;margin-top:22px}.chart svg{width:100%;height:100%;overflow:visible}.chart text{fill:var(--muted);font-family:inherit;font-size:12px}.chart-detail{font-size:12px;min-height:20px;text-align:right;margin-top:8px}.table-panel{margin-top:24px;padding:25px 28px 8px}.table-scroll{overflow:auto;margin-top:22px}table{width:100%;border-collapse:collapse;font-size:14px;white-space:nowrap;text-align:right;font-variant-numeric:tabular-nums}th{font-size:12px;color:var(--muted);font-weight:500;background:var(--field)}td,th{padding:15px 14px;border-bottom:1px solid var(--border)}td:first-child,th:first-child{text-align:left}td:last-child{font-weight:600}tbody tr:last-child td{border-bottom:0}.pagination{display:flex;justify-content:space-between;align-items:center;border-top:1px solid var(--border);padding:14px 0;font-size:12px;color:var(--muted)}.pagination>div{display:flex;align-items:center;gap:15px}.pagination button{background:var(--surface);border:1px solid var(--border);border-radius:6px;width:32px;height:32px}.pagination button:disabled{opacity:.3;cursor:default}.assumptions{margin:25px 0;color:var(--muted);padding:0 4px}.assumptions p{margin:12px 0;font-size:13px;line-height:1.8}footer{border-top:1px solid var(--border);padding:24px 0;display:flex;justify-content:space-between;font-size:12px;color:var(--muted)}footer span:first-child{letter-spacing:2px;font-weight:700}[hidden]{display:none!important}.results.invalid{opacity:.35}.negative{color:#ca5e52!important}
@media(min-width:1400px){main{padding-top:45px}}@media(max-width:1300px){main{margin:0 30px}}@media(max-width:900px){.workspace{grid-template-columns:290px minmax(0,1fr);gap:16px}.input-panel{padding:20px}.metrics{gap:8px}.metrics article{padding:13px}.metrics strong{font-size:17px}.metrics small{font-size:12px}.legend{gap:8px}.chart-panel{padding:20px}.section-heading{align-items:flex-start}.intro-note{display:none}}@media(max-width:700px){header{height:70px;padding:0 20px}.brand{font-size:17px}.brand-tag{display:none}.icon-button span{display:none}main{margin:0 16px;padding-top:26px}.intro{margin-bottom:22px}h1{font-size:26px}.workspace{grid-template-columns:1fr}.input-panel{padding:23px}.metrics{grid-template-columns:1fr;gap:0;border:1px solid var(--border);border-radius:12px;background:var(--surface)}.metrics article{border:0;background:transparent;display:grid;grid-template-columns:1fr 1.4fr;padding:15px 19px;border-radius:0}.metrics article+article{border-top:1px solid var(--border)}.metrics strong{text-align:right;margin:0;font-size:20px}.metrics small{grid-column:1/-1}.hero-result{padding:24px}.hero-result>strong{font-size:34px}.chart-panel .section-heading{display:block}.legend{margin-top:14px}.table-panel{padding:22px 16px 5px}.table-panel .section-heading p{font-size:13px}.composition-label{font-size:12px}.chart{height:225px}footer{font-size:11px}.chart-detail{text-align:left;font-size:12px}}@media(prefers-reduced-motion:no-preference){button{transition:background .15s}body{transition:background .15s,color .15s}}
.metrics small{font-size:12px}
.learn,.explain-grid,.tips,.faq{margin:76px 0}.learn-heading{max-width:620px}.learn-heading h2,.compound-story h2,.tips h2{font-size:28px;line-height:1.38;letter-spacing:-1px;margin:9px 0}.learn-heading>p{font-size:15px}.guide-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:25px}.guide-card{background:var(--surface);border:1px solid var(--border);border-radius:14px;padding:21px}.guide-card>span{font-size:12px;color:var(--green);font-weight:800;letter-spacing:1px}.guide-card h3{font-size:16px;margin:11px 0 7px}.guide-card p,.compound-story p,.comparison-card p,.tip-list p,.faq-list p{font-size:14px;line-height:1.75}.guide-card b{color:var(--text)}.explain-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:24px;align-items:stretch}.compound-story{padding:30px;background:var(--soft);border-radius:16px}.compound-story p{max-width:600px}.formula{margin-top:25px;padding:18px 20px;background:var(--surface);border:1px solid var(--border);border-radius:12px}.formula span,.formula small{display:block;color:var(--muted);font-size:12px}.formula strong{display:block;font-size:20px;letter-spacing:-.5px;margin:4px 0}.formula sup{font-size:12px}.comparison-card{background:var(--surface);border:1px solid var(--border);border-radius:16px;padding:28px}.compare-title{display:flex;justify-content:space-between;align-items:center;margin-bottom:14px}.compare-title h3{font-size:16px;margin:0}.compare-title span{color:var(--muted);font-size:12px}.compare-row{display:grid;grid-template-columns:80px 1fr 1.25fr;align-items:center;padding:15px 0;border-top:1px solid var(--border);font-size:13px}.compare-row>span{color:var(--muted)}.compare-row strong{font-weight:500}.compare-row b{color:var(--green);font-size:14px}.comparison-card>p{border-top:1px solid var(--border);padding-top:15px;margin-top:5px}.tips{display:grid;grid-template-columns:.75fr 1.25fr;gap:54px;padding:34px 38px;background:#194f3f;border-radius:16px;color:#fff}.tips .eyebrow{color:#c4f582}.tips h2{margin-bottom:0}.tip-list{display:grid;gap:4px}.tip-list article{display:grid;grid-template-columns:82px 1fr;gap:16px;padding:10px 0;border-bottom:1px solid #ffffff28}.tip-list article:last-child{border:0}.tip-list span{color:#c8ef9e;font-size:13px;font-weight:700}.tip-list p{color:#cde1d6;margin:0}.faq{display:grid;grid-template-columns:.74fr 1.26fr;gap:55px;align-items:start}.faq-list{border-top:1px solid var(--border)}.faq-list details{border-bottom:1px solid var(--border);padding:17px 2px}.faq-list summary{font-size:15px;font-weight:600;list-style:none;position:relative;padding-right:28px}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{content:'+';position:absolute;right:5px;color:var(--green);font-size:20px;font-weight:400;top:-5px}.faq-list details[open] summary:after{content:'−'}.faq-list p{padding-top:10px;margin-right:25px}
@media(max-width:900px){.guide-grid{grid-template-columns:repeat(2,1fr)}.explain-grid,.tips,.faq{grid-template-columns:1fr;gap:24px}.tips{gap:22px}.faq{gap:20px}}@media(max-width:700px){.learn,.explain-grid,.tips,.faq{margin:50px 0}.learn-heading h2,.compound-story h2,.tips h2{font-size:24px}.guide-grid{grid-template-columns:1fr;gap:10px}.guide-card{padding:18px}.compound-story,.comparison-card{padding:23px}.formula strong{font-size:17px}.compare-title{display:block}.compare-title span{display:block;margin-top:4px}.compare-row{grid-template-columns:1fr 1fr;padding:13px 0;gap:2px}.compare-row>span{grid-row:span 2}.compare-row b{font-size:13px}.tips{padding:27px 23px}.tip-list article{grid-template-columns:1fr;gap:3px;padding:12px 0}.faq-list summary{font-size:14px}.faq-list p{font-size:13px}}
.plain-link{text-decoration:none}.policy{max-width:800px;padding-bottom:0}.policy h1{font-size:34px;margin-bottom:4px}.policy-updated{font-size:14px}.policy-card{background:var(--surface);border:1px solid var(--border);border-radius:16px;padding:34px;margin:29px 0 58px}.policy-card>p{font-size:15px;line-height:1.85}.policy-card h2{font-size:18px;margin:32px 0 8px}.policy-card h2:first-of-type{margin-top:28px}.policy-note{font-size:13px!important;padding-top:18px;margin-top:28px!important;border-top:1px solid var(--border)}footer{gap:16px}footer a{color:var(--muted);text-decoration:none}footer a:hover{text-decoration:underline}@media(max-width:700px){.policy h1{font-size:28px}.policy-card{padding:23px;margin-bottom:45px}footer{flex-wrap:wrap}}