:root {
  color-scheme: light;
  --ink: #172e37;
  --muted: #65737a;
  --accent: #087562;
  --accent-dark: #065c4d;
  --accent-light: #edf7f3;
  --line: #e5e9eb;
  --page: #f6f8f9;
  --error: #b32935;
  font-family: -apple-system, BlinkMacSystemFont, "Apple SD Gothic Neo", "Noto Sans KR", "Malgun Gothic", sans-serif;
  font-synthesis: none;
  font-weight: 400;
  color: var(--ink);
  background: var(--page);
  line-height: 1.6;
  -webkit-text-size-adjust: 100%;
}
* { box-sizing: border-box; }
body { margin: 0; }
button, input { font: inherit; }
button, a, input, summary { -webkit-tap-highlight-color: transparent; }
button, a { touch-action: manipulation; }
button { cursor: pointer; }
a { color: inherit; }
button:focus-visible, a:focus-visible, summary:focus-visible, [tabindex]:focus-visible { outline: 3px solid #17877b; outline-offset: 4px; }
button, input { min-width: 0; }
h1, h2, h3, p, dl, dd { margin: 0; }
svg { flex-shrink: 0; }
[hidden] { display: none !important; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.skip-link { position: absolute; top: -80px; left: 16px; z-index: 10; padding: 12px 18px; background: white; border: 2px solid var(--accent); border-radius: 8px; }
.skip-link:focus { top: 12px; }
.site-header { background: #fff; border-bottom: 1px solid var(--line); }
.header-inner { max-width: 1088px; margin: 0 auto; padding: 18px 24px; display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.brand { display: inline-flex; align-items: center; gap: 10px; font-size: 16px; font-weight: 750; text-decoration: none; letter-spacing: -.4px; }
.brand-mark { display: inline-grid; place-items: center; width: 32px; height: 32px; border-radius: 10px; background: var(--accent); color: white; font-size: 21px; font-weight: 700; line-height: 1; }
.header-note { font-size: 13px; color: var(--muted); }
.page-shell { max-width: 1088px; padding: 40px 24px 24px; margin: 0 auto; }
.intro { margin-bottom: 30px; }
.eyebrow { display: flex; align-items: center; gap: 10px; color: var(--muted); font-size: 13px; font-weight: 550; margin-bottom: 9px; }
.eyebrow span:first-child { color: var(--accent); font-weight: 700; }
.eyebrow-divider { height: 10px; width: 1px; background: #c9d2d5; }
h1 { font-size: 32px; line-height: 1.4; letter-spacing: -1.2px; font-weight: 760; }
.intro > p { color: var(--muted); font-size: 15px; margin-top: 10px; word-break: keep-all; }
.mobile-break { display: none; }
.calculator-grid { display: grid; grid-template-columns: 1fr 1fr; align-items: start; gap: 24px; }
.panel { background: #fff; border: 1px solid var(--line); border-radius: 20px; box-shadow: 0 4px 16px #18343b03; }
.input-panel, .result-panel { padding: 28px; min-width: 0; }
.section-heading { display: flex; align-items: center; gap: 9px; margin-bottom: 28px; }
.section-heading h2 { font-size: 18px; font-weight: 720; letter-spacing: -.6px; }
.step { color: var(--accent); font-size: 12px; font-weight: 750; background: var(--accent-light); border-radius: 7px; padding: 3px 6px; line-height: 1.5; }
.field { margin-bottom: 24px; }
.primary-field { margin-bottom: 28px; }
.field label { display: flex; align-items: baseline; gap: 6px; font-size: 14px; font-weight: 650; margin-bottom: 9px; }
.required-label, .optional-label { font-size: 12px; font-weight: 400; }
.required-label { color: var(--accent); }
.optional-label { color: var(--muted); }
.money-input { display: flex; align-items: center; border: 1px solid #dce2e5; border-radius: 10px; padding: 0 16px; background: #fff; transition: border-color 120ms ease, box-shadow 120ms ease; }
.money-input:focus-within { border-color: var(--accent); box-shadow: 0 0 0 3px #08756212; }
.money-input:has(input[aria-invalid="true"]) { border-color: var(--error); }
.money-input input { width: 100%; border: 0; outline: none; background: transparent; padding: 11px 8px 11px 0; color: var(--ink); font-size: 21px; font-weight: 600; font-variant-numeric: tabular-nums; letter-spacing: -.3px; }
.money-input input::placeholder { color: #7a888f; font-weight: 400; opacity: 1; }
.money-input > span { font-size: 15px; color: var(--muted); }
.primary-field .money-input { border-color: #b4ccc4; }
.primary-field .money-input input { font-size: 27px; padding-top: 11px; padding-bottom: 11px; }
.primary-field .money-input:has(input[aria-invalid="true"]) { border-color: var(--error); }
.field-hint { color: var(--muted); font-size: 12px; line-height: 1.7; margin-top: 7px; word-break: keep-all; }
.field-error { color: var(--error); font-size: 13px; margin-top: 6px; }
.quick-amounts { display: grid; grid-template-columns: repeat(5, minmax(0,1fr)); gap: 6px; margin-top: 13px; }
.quick-amounts button { border: 1px solid var(--line); color: #53646c; background: #f8fafb; border-radius: 7px; padding: 8px 0; min-height: 40px; font-size: 13px; white-space: nowrap; }
.quick-amounts button:hover { border-color: #9fbdb4; background: #f0f7f4; }
.quick-amounts button[aria-pressed="true"] { border-color: #a1cbbc; color: var(--accent); background: #edf7f2; font-weight: 700; }
.foreign-field { margin-bottom: 22px; }
.form-status { color: var(--muted); font-size: 13px; }
.form-status:not(:empty) { margin-bottom: 12px; }
.calculate-button { border: 0; border-radius: 10px; display: flex; align-items: center; justify-content: center; gap: 12px; width: 100%; min-height: 54px; padding: 12px; background: var(--accent); color: #fff; font-size: 16px; font-weight: 650; transition: background 120ms ease; }
.calculate-button:hover { background: var(--accent-dark); }
.calculate-button:active { background: #034b3e; }
.privacy-note { display: flex; justify-content: center; align-items: center; gap: 5px; color: var(--muted); font-size: 12px; margin-top: 13px; word-break: keep-all; }
.result-heading { margin-bottom: 18px; gap: 8px; }
.result-heading h2 { flex: 1; }
.estimate-tag { border: 1px solid var(--line); border-radius: 5px; padding: 2px 7px; color: var(--muted); font-size: 12px; white-space: nowrap; }
.rate-summary { background: var(--accent-light); border: 1px solid #e0eee7; border-radius: 12px; padding: 21px 16px 17px; text-align: center; }
.rate-label { font-size: 14px; font-weight: 650; }
.rate-label > span { font-size: 11px; color: var(--accent); border: 1px solid #cee3d9; padding: 2px 6px; border-radius: 4px; margin-left: 6px; font-weight: 500; vertical-align: 1px; }
.picking-rate { color: var(--accent); font-size: 64px; font-weight: 760; letter-spacing: -3px; line-height: 1.22; padding-top: 7px; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.rate-unit { font-size: 32px; font-weight: 550; margin-left: 4px; letter-spacing: -1px; }
.picking-rate.long-rate { font-size: 38px; letter-spacing: -1.5px; }
.picking-rate.long-rate .rate-unit { font-size: 22px; }
.result-caption { color: #596f65; font-size: 12px; margin-top: 2px; }
.interpretation { display: flex; justify-content: center; align-items: center; gap: 5px; font-size: 13px; font-weight: 600; margin-top: 15px; color: #335c4c; }
.interpretation-note { color: #64786e; font-size: 12px; margin-top: 4px; word-break: keep-all; }
.result-breakdown { padding-top: 21px; font-size: 14px; }
.result-breakdown > div { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; padding: 5px 0; }
.result-breakdown dt { color: var(--muted); }
.result-breakdown dd { text-align: right; font-weight: 600; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; min-width: 0; }
.result-breakdown .discount-row dd { color: var(--accent); }
.small-note { font-size: 10px; color: #7d898f; margin-left: 3px; white-space: nowrap; }
.result-breakdown .fee-value { color: var(--muted); font-weight: 400; }
.result-breakdown .net-benefit { border-top: 1px solid var(--line); margin-top: 12px; padding-top: 15px; }
.net-benefit dt { color: var(--ink); font-weight: 650; }
.net-benefit dd { color: var(--accent); font-size: 22px; letter-spacing: -.5px; }
.limit-block { margin-top: 19px; }
.limit-heading { display: flex; justify-content: space-between; gap: 10px; font-size: 12px; }
.limit-heading strong { color: var(--accent); }
.limit-progress { height: 7px; background: #e9efec; border-radius: 10px; overflow: hidden; margin-top: 8px; }
.limit-progress-fill { height: 100%; border-radius: inherit; background: var(--accent); max-width: 100%; }
.limit-caption { text-align: right; color: var(--muted); font-size: 11px; margin-top: 5px; }
.limit-caption strong { font-weight: 550; color: #405c50; }
.notice, .limit-notice, .stale-notice { color: #7c5315; background: #fff7e7; border: 1px solid #f0e2c5; border-radius: 8px; padding: 12px; font-size: 13px; line-height: 1.7; word-break: keep-all; }
.notice { margin-bottom: 20px; }
.limit-notice { margin-top: 13px; }
.stale-notice { margin-bottom: 16px; }
.foreign-result { border-top: 1px solid var(--line); margin-top: 20px; padding-top: 18px; }
.foreign-result > div { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; flex-wrap: wrap; }
.foreign-result h3 { font-size: 13px; font-weight: 600; }
.foreign-result > div > p { font-size: 13px; }
.foreign-result strong { color: var(--accent); font-size: 17px; }
.foreign-result > p { font-size: 12px; color: var(--muted); margin-top: 6px; word-break: keep-all; }
.card-info { padding: 25px 28px 0; margin-top: 24px; overflow: hidden; }
.card-info-heading { display: flex; align-items: center; justify-content: space-between; gap: 10px; }
.section-eyebrow { font-size: 12px; color: var(--muted); margin-bottom: 3px; }
.card-info h2 { font-size: 19px; letter-spacing: -.6px; }
.issuer-tag { font-size: 12px; border: 1px solid var(--line); color: var(--muted); padding: 4px 9px; border-radius: 6px; white-space: nowrap; }
.card-facts { display: grid; grid-template-columns: repeat(5,1fr); margin: 22px 0 25px; }
.card-facts > div { padding: 0 17px; border-left: 1px solid var(--line); }
.card-facts > div:first-child { padding-left: 0; border-left: 0; }
.card-facts dt { font-size: 12px; color: var(--muted); }
.card-facts dd { font-size: 16px; font-weight: 650; margin-top: 4px; white-space: nowrap; }
.blog-callout { display: flex; align-items: center; justify-content: space-between; gap: 20px; background: #fafcfc; margin: 0 -28px; padding: 18px 28px; border-top: 1px solid var(--line); }
.blog-callout p { font-size: 13px; color: var(--muted); word-break: keep-all; }
.desktop-break { display: none; }
.blog-link { display: inline-flex; align-items: center; justify-content: center; gap: 8px; font-size: 13px; font-weight: 650; border: 1px solid #d7e1dc; border-radius: 8px; padding: 9px 13px; min-height: 42px; text-decoration: none; background: #fff; color: var(--accent); white-space: nowrap; }
.blog-link:hover { background: var(--accent-light); border-color: #a3bfb2; }
.calculation-details { margin-top: 22px; border-bottom: 1px solid var(--line); }
.calculation-details summary { list-style: none; display: flex; justify-content: space-between; align-items: center; padding: 5px 0 20px; gap: 10px; font-size: 14px; font-weight: 600; cursor: pointer; }
.calculation-details summary::-webkit-details-marker { display: none; }
.calculation-details[open] summary svg { transform: rotate(180deg); }
.calculation-details-body { font-size: 13px; color: var(--muted); line-height: 1.8; padding-bottom: 20px; }
.calculation-details-body > p + p { margin-top: 10px; }
.formula { color: var(--ink); background: #edf1f3; padding: 13px 16px; border-radius: 8px; }
.rate-guide { margin: 14px 0; padding: 0; list-style: none; }
.rate-guide li { display: flex; gap: 16px; margin: 5px 0; }
.rate-guide strong { min-width: 140px; font-weight: 550; color: var(--ink); }
.page-footer { padding-top: 23px; color: #727e85; }
.page-footer h2 { color: #586a73; font-size: 12px; margin-bottom: 8px; font-weight: 650; }
.page-footer > p { font-size: 12px; line-height: 1.9; word-break: keep-all; }
.footer-bottom { margin-top: 26px; padding-top: 19px; border-top: 1px solid var(--line); display: flex; justify-content: space-between; gap: 12px; font-size: 11px; }

.input-steps { display: flex; gap: 20px; list-style: none; padding: 0 0 19px; margin: 0 0 23px; border-bottom: 1px solid var(--line); }
.input-steps li { display: flex; align-items: center; gap: 7px; color: var(--muted); font-size: 12px; }
.input-steps li > span { display: inline-grid; place-items: center; width: 23px; height: 23px; border-radius: 50%; background: #edf0f2; font-size: 12px; font-weight: 650; }
.input-steps .is-current { color: var(--accent); font-weight: 650; }
.input-steps .is-current > span { background: var(--accent); color: white; }
.flow-title { font-size: 19px; font-weight: 720; line-height: 1.5; letter-spacing: -.6px; word-break: keep-all; scroll-margin-top: 24px; }
.flow-description { margin-top: 8px; color: var(--muted); font-size: 14px; line-height: 1.8; word-break: keep-all; }
.skip-exclusions { display: flex; align-items: center; justify-content: space-between; gap: 8px; margin: 17px 0 3px; padding: 3px 12px; border-radius: 8px; background: var(--accent-light); color: #466c5c; font-size: 12px; }
.skip-exclusions button { border: 0; background: transparent; color: var(--accent); font-size: 13px; font-weight: 650; min-height: 42px; padding: 8px 0 8px 8px; white-space: nowrap; }
.exclusion-fields { margin-top: 3px; }
.exclusion-field { display: grid; grid-template-columns: minmax(0,1fr) 144px; align-items: center; gap: 0 13px; padding: 15px 0; border-bottom: 1px solid var(--line); }
.exclusion-field label { font-size: 14px; font-weight: 650; line-height: 1.6; word-break: keep-all; }
.exclusion-field .money-input { padding: 0 10px; border-radius: 8px; }
.exclusion-field .money-input input { font-size: 17px; font-weight: 550; padding: 9px 4px 9px 0; text-align: right; }
.exclusion-field .money-input > span { font-size: 12px; }
.exclusion-field .field-hint, .exclusion-field .field-error { grid-column: 1 / -1; }
.exclusion-field .field-hint { line-height: 1.7; font-size: 12px; margin-top: 6px; }
.entry-note { color: var(--muted); font-size: 12px; margin-top: 12px; line-height: 1.7; word-break: keep-all; }
.excluded-subtotal { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; margin: 20px 0 16px; font-size: 14px; }
.excluded-subtotal strong { font-size: 20px; color: var(--accent); overflow-wrap: anywhere; min-width: 0; text-align: right; }
.continue-button { margin-top: 14px; }
.policy-source { text-align: center; font-size: 11px; color: var(--muted); margin-top: 12px; }
.policy-source a { text-underline-offset: 3px; }
.exclusions-review { display: flex; align-items: center; justify-content: space-between; gap: 10px; border: 1px solid var(--line); background: #fafcfc; padding: 13px 14px; border-radius: 10px; margin: 21px 0 25px; }
.exclusions-review > div { display: flex; flex-direction: column; min-width: 0; }
.exclusions-review span { color: var(--muted); font-size: 12px; }
.exclusions-review strong { font-size: 17px; font-weight: 650; overflow-wrap: anywhere; }
.exclusions-review button { border: 1px solid #d7e1dc; border-radius: 6px; padding: 7px 12px; background: white; color: var(--accent); font-size: 13px; min-height: 40px; flex-shrink: 0; }
.spending-summary { background: var(--accent-light); padding: 15px 16px; border-radius: 10px; margin-bottom: 26px; font-size: 12px; }
.spending-summary > div { display: flex; justify-content: space-between; gap: 12px; padding: 3px 0; }
.spending-summary dt { color: #526d62; }
.spending-summary dd { min-width: 0; text-align: right; overflow-wrap: anywhere; font-weight: 550; }
.spending-summary .spending-total { border-top: 1px solid #d7e7de; margin-top: 8px; padding-top: 12px; font-size: 14px; font-weight: 650; }
.spending-total dt, .spending-total dd { color: var(--accent); font-weight: 650; }
.spending-note { margin-top: 14px; }
.form-status:not(:empty) { margin: 13px 0 0; }

@media (min-width: 761px) {
  .result-panel { position: sticky; top: 24px; }
}
@media (max-width: 900px) {
  .exclusion-field { grid-template-columns: minmax(0,1fr) 116px; gap: 0 10px; }
  .flow-title { font-size: 18px; }
}

@media (max-width: 900px) and (min-width: 761px) {
  .input-panel, .result-panel { padding: 22px; }
  .section-heading h2 { font-size: 16px; }
  .small-note { display: none; }
  .card-facts > div { padding: 0 10px; }
  .card-facts dd { font-size: 14px; }
  .desktop-break { display: block; }
}
@media (max-width: 760px) {
  .header-inner { padding: 14px 20px; }
  .page-shell { max-width: 580px; padding: 28px 20px 22px; }
  .intro { margin-bottom: 23px; }
  h1 { font-size: 29px; letter-spacing: -1px; }
  .mobile-break { display: block; }
  .intro > p { font-size: 14px; line-height: 1.75; max-width: 330px; }
  .calculator-grid { grid-template-columns: minmax(0,1fr); gap: 18px; }
  .input-panel, .result-panel { padding: 23px; border-radius: 16px; }
  .section-heading { margin-bottom: 23px; }
  .result-heading { margin-bottom: 18px; }
  .result-heading h2 { scroll-margin-top: 22px; }
  .field { margin-bottom: 23px; }
  .primary-field { margin-bottom: 25px; }
  .quick-amounts button { min-height: 42px; }
  .money-input input { font-size: 22px; }
  .card-info { padding: 23px 23px 0; margin-top: 18px; border-radius: 16px; }
  .card-facts { grid-template-columns: repeat(2,minmax(0,1fr)); gap: 18px 14px; margin: 20px 0 24px; }
  .card-facts > div { padding: 0; border: 0; }
  .card-facts > div:last-child { grid-column: 1 / -1; }
  .card-facts dd { font-size: 16px; }
  .blog-callout { flex-direction: column; align-items: stretch; gap: 13px; margin: 0 -23px; padding: 18px 23px; }
  .blog-callout p { font-size: 13px; }
  .blog-link { min-height: 46px; }
  .calculation-details { margin-top: 23px; }
  .page-footer > p + p { margin-top: 4px; }
  .footer-bottom { font-size: 10px; }
}
@media (max-width: 360px) {
  .header-inner { padding: 13px 16px; }
  .brand { font-size: 14px; gap: 8px; }
  .brand-mark { width: 28px; height: 28px; border-radius: 8px; font-size: 18px; }
  .header-note { font-size: 10px; }
  .page-shell { padding: 24px 14px 20px; }
  h1 { font-size: 26px; }
  .input-panel, .result-panel { padding: 19px 17px; }
  .section-heading h2 { font-size: 16px; }
  .estimate-tag { font-size: 10px; padding: 2px 5px; }
  .quick-amounts { gap: 4px; }
  .quick-amounts button { font-size: 12px; }
  .privacy-note { font-size: 10px; }
  .input-steps { gap: 12px; }
  .input-steps li { gap: 5px; font-size: 11px; }
  .input-steps li > span { width: 21px; height: 21px; }
  .flow-title { font-size: 17px; }
  .flow-description { font-size: 13px; }
  .exclusion-field { grid-template-columns: minmax(0,1fr) 100px; }
  .exclusion-field label { font-size: 13px; }
  .exclusion-field .money-input input { font-size: 16px; }
  .spending-summary { padding: 13px; }
  .spending-summary .spending-total { font-size: 13px; }
  .picking-rate.long-rate { font-size: 31px; letter-spacing: -1px; }
  .picking-rate.long-rate .rate-unit { font-size: 18px; }
  .result-breakdown { font-size: 13px; }
  .small-note { display: none; }
  .card-info { padding: 19px 17px 0; }
  .card-info h2 { font-size: 16px; }
  .issuer-tag { padding: 3px 6px; font-size: 11px; }
  .blog-callout { margin: 0 -17px; padding: 17px; }
  .rate-guide li { display: block; }
  .rate-guide li span { display: block; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition: none !important; }
}