:root{
  --bg:#f5f7fb;
  --card:#ffffff;
  --ink:#111827;
  --muted:#6b7280;
  --line:#e5e7eb;
  --primary:#4f46e5;
  --primary2:#06b6d4;
  --accent:#f59e0b;
  --good:#10b981;
  --danger:#ef4444;
  --shadow:0 24px 70px rgba(15,23,42,.12);
  --softshadow:0 12px 32px rgba(15,23,42,.08);
  --radius:26px;
}
*{box-sizing:border-box}
body{
  margin:0;
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Noto Sans KR",Arial,sans-serif;
  background:
    radial-gradient(circle at 18% 0%, rgba(79,70,229,.18), transparent 34%),
    radial-gradient(circle at 82% 8%, rgba(6,182,212,.18), transparent 32%),
    linear-gradient(180deg,#f8fafc 0%,#eef2ff 44%,#f8fafc 100%);
  color:var(--ink);
}
body:before{
  content:"";
  position:fixed;
  inset:0;
  pointer-events:none;
  background-image:
    linear-gradient(rgba(255,255,255,.45) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.45) 1px, transparent 1px);
  background-size:44px 44px;
  mask-image:linear-gradient(to bottom,rgba(0,0,0,.55),transparent 62%);
}
a{color:inherit;text-decoration:none}
.wrap{max-width:1180px;margin:0 auto;padding:28px 20px 80px;position:relative}
.nav{
  display:flex;align-items:center;justify-content:space-between;
  margin-bottom:40px;
  padding:10px 4px;
}
.brand{display:flex;align-items:center;gap:12px;font-weight:950;font-size:23px;letter-spacing:-.03em}
.logo{
  width:44px;height:44px;border-radius:16px;
  background:linear-gradient(135deg,var(--primary),var(--primary2));
  box-shadow:0 14px 30px rgba(79,70,229,.28);
  display:grid;place-items:center;color:white;font-weight:950;
}
.navlinks{display:flex;gap:8px;color:#475569;font-weight:850;font-size:14px;flex-wrap:wrap}
.navlinks a{
  padding:10px 12px;border-radius:999px;
  background:rgba(255,255,255,.58);
  border:1px solid rgba(255,255,255,.85);
  transition:.18s ease;
}
.navlinks a:hover{transform:translateY(-1px);box-shadow:var(--softshadow);color:#3730a3}
.hero{display:grid;grid-template-columns:1.05fr .95fr;gap:28px;align-items:stretch}
.heroText{padding:36px 10px 20px}
.badge{
  display:inline-flex;align-items:center;gap:8px;
  padding:9px 14px;border-radius:999px;
  background:rgba(255,255,255,.9);
  color:#3730a3;font-weight:900;font-size:13px;
  box-shadow:0 10px 25px rgba(15,23,42,.08);
  border:1px solid rgba(255,255,255,.95);
}
h1{
  font-size:54px;line-height:1.08;margin:22px 0 16px;
  letter-spacing:-.05em;
}
.grad{background:linear-gradient(135deg,var(--primary),var(--primary2));-webkit-background-clip:text;background-clip:text;color:transparent}
.sub{font-size:19px;color:var(--muted);line-height:1.68;max-width:660px}
.card{
  background:rgba(255,255,255,.86);
  backdrop-filter:blur(16px);
  -webkit-backdrop-filter:blur(16px);
  border:1px solid rgba(255,255,255,.92);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
}
.calc,.panel{padding:24px}
.sectionTitle{font-size:16px;font-weight:950;margin:0 0 16px;letter-spacing:-.02em}
.field{margin-bottom:17px}
label{display:flex;justify-content:space-between;font-size:14px;font-weight:850;color:#374151;margin-bottom:8px}
input,select{
  width:100%;border:1px solid var(--line);background:rgba(255,255,255,.95);
  border-radius:16px;padding:14px 15px;font-size:16px;font-weight:850;outline:none;
}
input:focus,select:focus{border-color:var(--primary);box-shadow:0 0 0 4px rgba(79,70,229,.10)}
input[type=range]{padding:0;accent-color:var(--primary)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.resultBig{
  margin-top:18px;padding:25px;border-radius:24px;
  background:
    radial-gradient(circle at 88% 12%,rgba(255,255,255,.16),transparent 22%),
    linear-gradient(135deg,#111827,#312e81 58%,#155e75);
  color:white;position:relative;overflow:hidden;
  box-shadow:0 18px 38px rgba(49,46,129,.28);
}
.resultBig:after{
  content:"";position:absolute;right:-50px;top:-50px;width:190px;height:190px;border-radius:50%;
  background:rgba(255,255,255,.08);
}
.resultBig .label{font-size:14px;color:#c7d2fe;font-weight:900}
.net{font-size:42px;font-weight:950;letter-spacing:-.055em;margin-top:8px}
.heroStats{display:flex;gap:12px;margin-top:26px;flex-wrap:wrap}
.statPill{
  background:rgba(255,255,255,.78);
  border:1px solid rgba(255,255,255,.95);
  padding:15px 17px;border-radius:19px;
  box-shadow:0 10px 28px rgba(15,23,42,.07);
}
.statPill b{display:block;font-size:21px;letter-spacing:-.04em}
.statPill span{color:var(--muted);font-size:12px;font-weight:850}
.content{display:grid;grid-template-columns:1.1fr .9fr;gap:22px;margin-top:26px}
.smallGrid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:16px}
.metric{
  background:rgba(255,255,255,.95);
  border:1px solid var(--line);
  border-radius:20px;padding:16px;
  box-shadow:0 8px 20px rgba(15,23,42,.04);
}
.metric span{font-size:12px;color:var(--muted);font-weight:850}
.metric b{display:block;margin-top:7px;font-size:20px;letter-spacing:-.035em}
.deductList{display:grid;gap:10px;margin-top:14px}
.row{
  display:flex;justify-content:space-between;align-items:center;
  padding:12px 13px;background:#f9fafb;border-radius:15px;border:1px solid #eef2f7;
}
.row span:first-child{display:flex;align-items:center;font-weight:850}
.dot{width:10px;height:10px;border-radius:50%;display:inline-block;margin-right:8px}
.tableWrap{overflow:auto;margin-top:12px;border-radius:18px;border:1px solid var(--line);box-shadow:0 10px 24px rgba(15,23,42,.04)}
table{border-collapse:collapse;width:100%;background:white;font-size:14px}
th,td{padding:13px 14px;text-align:right;border-bottom:1px solid #eef2f7;white-space:nowrap}
th:first-child,td:first-child{text-align:left}
th{background:#f8fafc;color:#475569;font-weight:950}
.guide{margin-top:26px;padding:30px}
.guide h2{margin:0 0 12px;font-size:30px;letter-spacing:-.04em}
.guide h3{font-size:22px;margin:28px 0 8px;letter-spacing:-.03em}
.guide p,.guide li{color:#4b5563;line-height:1.86}
.faq{display:grid;gap:12px;margin-top:16px}
.faqItem{
  background:rgba(249,250,251,.95);
  border:1px solid #eef2f7;
  border-radius:18px;padding:16px;
}
.faqItem b{display:block;margin-bottom:7px;color:#111827}
.realBox{
  background:
    radial-gradient(circle at 92% 14%,rgba(79,70,229,.12),transparent 24%),
    linear-gradient(135deg,#ecfeff,#eef2ff);
  border:1px solid #dbeafe;border-radius:24px;padding:21px;margin-top:18px;
}
.realMain{display:flex;justify-content:space-between;gap:12px;align-items:center}
.realMain b{font-size:30px;letter-spacing:-.045em}
.realMain span{font-size:13px;color:#475569;font-weight:850}
.footer{color:#94a3b8;text-align:center;margin-top:42px;font-size:13px}
.pageHero{
  padding:38px;
  background:
    radial-gradient(circle at 90% 10%,rgba(6,182,212,.18),transparent 28%),
    rgba(255,255,255,.88);
}
.pageHero h1{font-size:44px;margin-bottom:12px}
.toc{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin-top:16px}
.toc a{
  background:#f8fafc;border:1px solid #e5e7eb;border-radius:16px;
  padding:14px;font-weight:900;color:#374151;
  box-shadow:0 8px 20px rgba(15,23,42,.04);
}
.notice{font-size:13px;color:#64748b;background:#f8fafc;border:1px solid #e5e7eb;border-radius:16px;padding:14px;margin-top:16px}
.button{
  display:inline-flex;border-radius:16px;padding:14px 18px;font-weight:950;
  background:linear-gradient(135deg,var(--primary),var(--primary2));
  color:white;border:0;cursor:pointer;box-shadow:0 12px 22px rgba(79,70,229,.22);
}
.reverse{display:grid;grid-template-columns:1fr auto;gap:10px;align-items:end;margin-top:12px}
@media(max-width:900px){
  .hero,.content{grid-template-columns:1fr}
  h1{font-size:38px}
  .navlinks{display:none}
  .smallGrid,.grid3,.grid2,.toc{grid-template-columns:1fr}
  .reverse{grid-template-columns:1fr}
  .realMain{display:block}
}

.barChart{display:grid;gap:10px;margin:8px 0 12px}
.barItem{display:grid;grid-template-columns:90px 1fr 92px;gap:10px;align-items:center;font-size:13px;font-weight:850;color:#374151}
.barTrack{height:12px;background:#e5e7eb;border-radius:999px;overflow:hidden}
.barFill{height:100%;border-radius:999px;background:linear-gradient(90deg,var(--primary),var(--primary2))}
.barValue{text-align:right;color:#111827}
@media(max-width:600px){.barItem{grid-template-columns:76px 1fr}.barValue{grid-column:2;text-align:left;color:#64748b}}