@layer theme{:root,:host{--font-sans:-apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Noto Sans", Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,-apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Noto Sans", Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color 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transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.sr-only{clip-path:inset(50%);white-space:nowrap;border-width:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.absolute{position:absolute}.fixed{position:fixed}.container{width:100%}@media (min-width:40rem){.container{max-width:40rem}}@media (min-width:48rem){.container{max-width:48rem}}@media (min-width:64rem){.container{max-width:64rem}}@media (min-width:80rem){.container{max-width:80rem}}@media (min-width:96rem){.container{max-width:96rem}}.block{display:block}.table{display:table}}:root{--navy:#102a43;--blue:#174f78;--teal:#0f766e;--teal-dark:#0b5d57;--mint:#e7f6f3;--sky:#eef6fb;--ink:#17212b;--muted:#526574;--line:#d8e2e9;--danger:#9f2d2d;--danger-bg:#fff1f1;--warning:#8a5200;--warning-bg:#fff7e6;--shadow:0 12px 32px #102a4314}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--ink);word-break:keep-all;background:#fff;margin:0;font-family:Pretendard,-apple-system,BlinkMacSystemFont,Segoe UI,Noto Sans 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var(--line);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);background:#fffffff5;position:sticky;top:0}.nav-wrap{justify-content:space-between;align-items:center;gap:24px;min-height:72px;display:flex}.brand{color:var(--navy);white-space:nowrap;align-items:center;gap:10px;font-size:1.2rem;font-weight:800;display:inline-flex}.brand-mark{color:#fff;background:var(--teal);border-radius:11px;place-items:center;width:36px;height:36px;font-family:Georgia,serif;display:grid}.main-nav{align-items:center;gap:20px;font-size:.94rem;font-weight:650;display:flex}.main-nav a{padding-block:22px}.main-nav a:hover{color:var(--teal)}.menu-button{border:1px solid var(--line);background:#fff;border-radius:10px;min-width:44px;min-height:44px;font-size:1.3rem;display:none}.site-footer{color:#d8e6ef;background:var(--navy);margin-top:96px;padding:56px 0 28px}.footer-grid{grid-template-columns:1fr 1.6fr;gap:50px;display:grid}.footer-brand{color:#fff;margin:0 0 8px;font-size:1.35rem;font-weight:800}.footer-links{grid-template-columns:repeat(3,1fr);gap:8px 24px;display:grid}.footer-links a:hover{color:#8de0d5}.footer-bottom{color:#b9ccd8;border-top:1px solid #ffffff26;margin-top:36px;padding-top:24px;font-size:.88rem}.footer-bottom p{margin:5px 0}.hero{background:linear-gradient(145deg,#f4f9fc 0%,#eef9f7 100%);border-bottom:1px solid #e4eef2;padding:82px 0 72px;overflow:hidden}.hero-grid{grid-template-columns:1.15fr .85fr;align-items:center;gap:64px;display:grid}.eyebrow{color:var(--teal);letter-spacing:.04em;margin:0 0 12px;font-size:.91rem;font-weight:800}h1,h2,h3{color:var(--navy);letter-spacing:-.025em;line-height:1.35}h1{margin:0;font-size:clamp(2.15rem,5vw,3.55rem);line-height:1.18}h2{margin:0 0 20px;font-size:clamp(1.65rem,3.2vw,2.25rem)}h3{margin:0 0 10px;font-size:1.2rem}.hero-copy{color:var(--muted);margin:22px 0 30px;font-size:1.13rem}.button-row{flex-wrap:wrap;gap:12px;display:flex}.button{border:1px solid var(--teal);background:var(--teal);color:#fff;border-radius:12px;justify-content:center;align-items:center;gap:8px;min-height:48px;padding:10px 21px;font-weight:750;display:inline-flex}.button:hover{background:var(--teal-dark)}.button.secondary{color:var(--teal);background:#fff}.button.secondary:hover{background:var(--mint)}.button.ghost{border-color:var(--line);color:var(--navy);background:0 0}.hero-panel{box-shadow:var(--shadow);background:#fff;border:1px solid #dfeaec;border-radius:24px;padding:28px;position:relative}.hero-panel:before{content:"";border:18px solid #0f766e1f;border-radius:50%;width:80px;height:80px;position:absolute;top:-20px;right:-20px}.mini-label{color:var(--muted);font-size:.9rem}.hero-number{color:var(--navy);margin:4px 0 20px;font-size:2rem;font-weight:850}.mini-flow{border-top:1px solid var(--line);grid-template-columns:1fr auto 1fr;align-items:center;gap:10px;padding-top:16px;display:grid}.mini-flow strong{font-size:1.1rem;display:block}.privacy-note{color:var(--muted);align-items:flex-start;gap:8px;margin:18px 0 0;font-size:.9rem;display:flex}.section{padding:82px 0}.section.tint{background:#f7fafc}.section-heading{max-width:720px;margin-bottom:34px}.section-heading p{color:var(--muted);margin:-8px 0 0}.card-grid{grid-template-columns:repeat(3,1fr);gap:20px;display:grid}.card{border:1px solid var(--line);background:#fff;border-radius:18px;padding:26px;box-shadow:0 6px 18px #102a430a}.card p{color:var(--muted);margin:0}.step-number{color:#fff;background:var(--teal);border-radius:50%;place-items:center;width:40px;height:40px;margin-bottom:16px;font-weight:800;display:grid}.guide-card{flex-direction:column;display:flex}.guide-card .tag{align-self:flex-start}.guide-card h3{margin-top:12px}.guide-card a{color:var(--teal);margin-top:auto;padding-top:18px;font-weight:750}.tag{color:#17524d;background:var(--mint);border-radius:999px;padding:3px 10px;font-size:.82rem;font-weight:750;display:inline-flex}.faq-list{border-top:1px solid var(--line)}.faq-list details{border-bottom:1px solid var(--line);padding:20px 4px}.faq-list summary{color:var(--navy);cursor:pointer;font-weight:750}.faq-list p{color:var(--muted)}.page-hero{background:var(--sky);border-bottom:1px solid var(--line);padding:62px 0 42px}.page-hero h1{font-size:clamp(2rem,4vw,3rem)}.page-hero p{max-width:760px;color:var(--muted);margin:14px 0 0;font-size:1.08rem}.breadcrumb{color:var(--muted);margin-bottom:18px;font-size:.9rem}.breadcrumb ol{flex-wrap:wrap;gap:7px;margin:0;padding:0;list-style:none;display:flex}.breadcrumb li:not(:last-child):after{content:"/";color:#8ba0ad;margin-left:7px}.content{padding:56px 0}.prose{color:#263746}.prose h2{margin-top:48px;padding-top:12px;font-size:1.65rem}.prose h3{margin-top:30px}.prose a{color:var(--teal);text-underline-offset:3px;text-decoration:underline}.prose .button{color:#fff;text-decoration:none}.prose 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p{color:var(--muted);margin:0}.progress-meta{color:var(--muted);justify-content:space-between;margin-top:22px;font-size:.89rem;display:flex}.progress-track{background:#e7edf1;border-radius:999px;height:9px;margin-top:8px;overflow:hidden}.progress-bar{background:var(--teal);border-radius:inherit;height:100%;transition:width .2s}.form-body{padding:32px}.form-section-title{margin-bottom:24px}.form-section-title h3{font-size:1.4rem}.form-section-title p{color:var(--muted);margin:4px 0 0}.form-grid{grid-template-columns:repeat(2,1fr);gap:22px;display:grid}.field.full{grid-column:1/-1}.field label,.field legend{color:var(--navy);margin-bottom:7px;font-weight:750;display:block}.required{color:var(--danger)}.help{color:var(--muted);margin-top:5px;font-size:.83rem;line-height:1.5;display:block}.input-wrap{position:relative}.input-wrap input,.field select,.field textarea{width:100%;min-height:48px;color:var(--ink);background:#fff;border:1px solid #aebdc7;border-radius:10px;padding:10px 46px 10px 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var(--line);justify-content:space-between;gap:12px;margin-top:34px;padding-top:24px;display:flex}.form-actions>div{gap:10px;display:flex}.error-box{color:#772121;background:var(--danger-bg);border:1px solid #edbcbc;border-radius:10px;margin-bottom:22px;padding:16px 18px}.error-box p{margin:0 0 5px;font-weight:800}.error-box ul{margin:0}.results{margin-top:40px}.result-summary{color:#fff;background:var(--navy);border-radius:20px;padding:30px}.result-summary h2{color:#fff}.result-summary p{color:#d7e4ec}.result-grid{grid-template-columns:repeat(3,1fr);gap:14px;margin-top:22px;display:grid}.result-card{color:var(--ink);background:#fff;border-radius:13px;padding:20px}.result-card span{color:var(--muted);font-size:.88rem;display:block}.result-card strong{color:var(--navy);margin-top:3px;font-size:1.25rem;display:block}.risk-banner{background:var(--warning-bg);border:1px solid #edce8c;border-radius:12px;gap:12px;margin:22px 0;padding:18px 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dd{color:var(--navy);text-align:right;margin:0;font-weight:800}.smart-analysis{color:#194c46;background:var(--mint);border:1px solid #99d8cf;border-radius:14px;margin-top:22px;padding:20px 22px}.smart-analysis p{margin:7px 0}.scenario-panel{border-color:#9bcfc9}.scenario-buttons,.scenario-metrics{flex-wrap:wrap;gap:10px;display:flex}.scenario-metrics{border-top:1px solid var(--line);margin-top:18px;padding-top:16px}.scenario-metrics span{color:var(--muted);flex:180px}.scenario-metrics strong{color:var(--navy)}.bar-fill.housing{background:#d08b2d}.bar-fill.loan{background:#7857a8}.ad-area{border-top:1px solid var(--line);border-bottom:1px solid var(--line);min-height:100px;margin:56px 0;padding:12px}.ad-label{color:var(--muted);text-align:center;margin-bottom:8px;font-size:.72rem;display:block}.sidebar-ad{display:block}.guide-list{grid-template-columns:repeat(2,1fr);gap:18px;display:grid}.guide-list .card{flex-direction:column;display:flex}.guide-list .meta{color:var(--muted);font-size:.85rem}.guide-list a{color:var(--teal);font-weight:750}.article-layout{grid-template-columns:minmax(0,1fr) 280px;align-items:start;gap:48px;display:grid}.article-aside{position:sticky;top:100px}.checklist{background:var(--mint);border-radius:14px;padding:22px 24px}.checklist li::marker{content:"✓  ";color:var(--teal);font-weight:900}.empty-state{text-align:center;background:#f7fafc;border:1px dashed #aebdc7;border-radius:18px;padding:70px 20px}@media (max-width:980px){.menu-button{place-items:center;display:inline-grid}.main-nav{border:1px solid var(--line);box-shadow:var(--shadow);background:#fff;border-radius:14px;flex-direction:column;align-items:stretch;gap:0;padding:10px;display:none;position:absolute;top:64px;left:16px;right:16px}.main-nav.is-open{display:flex}.main-nav a{min-height:46px;padding:9px 13px}.hero-grid{grid-template-columns:1fr;gap:40px}.article-layout{grid-template-columns:1fr}.article-aside{position:static}}@media (max-width:720px){body{font-size:16px}.container,.narrow{width:min(100% - 24px,1120px)}.hero{padding:54px 0}.section{padding:58px 0}.page-hero{padding:42px 0 32px}.card-grid,.guide-list,.form-grid,.result-grid,.analysis-grid,.footer-grid{grid-template-columns:1fr}.footer-links{grid-template-columns:repeat(2,1fr)}.form-body,.calculator-head{padding:22px 18px}.form-actions{flex-direction:column-reverse}.form-actions>div,.form-actions .button{width:100%}.form-actions>div{flex-direction:column-reverse}.result-summary{padding:22px 18px}.bar-row{grid-template-columns:76px 1fr}.bar-row strong{grid-column:2}.comparison-scroll{overflow-x:auto}.comparison-table{min-width:620px}.loan-card{padding:18px 14px}.loan-total,.loan-card-head{flex-direction:column;align-items:flex-start}.scenario-buttons .button{width:100%}.sidebar-ad{display:none}}@media print{.site-header,.site-footer,.page-hero,.calculator-card,.result-actions,.ad-area,.no-print{display:none!important}body{color:#000;font-size:11pt}.calculator-shell{background:#fff;padding:0}.results{margin:0}.result-summary{color:#000;break-inside:avoid;background:#fff;border:2px solid #000}.result-summary h2,.result-summary p{color:#000}.result-card,.chart-card{box-shadow:none;break-inside:avoid;border:1px solid #888}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{transition-duration:.01ms!important;animation-duration:.01ms!important}}