:root {
  --bg: #F2F4F6; --card: #FFFFFF; --ink: #191F28; --body: #4E5968;
  --muted: #8B95A1; --line: #E5E8EB; --blue: #3182F6; --blue-dark: #1B64DA;
  --blue-soft: #EBF3FE; --max: 800px;
}
* { box-sizing: border-box; margin: 0; }
html { scroll-behavior: smooth; }
body { font-family: "Pretendard Variable", Pretendard, "Apple SD Gothic Neo", sans-serif; background: var(--bg); color: var(--ink); line-height: 1.75; word-break: keep-all; -webkit-font-smoothing: antialiased; }
a { color: var(--blue); }

header.site { border-bottom: 1px solid var(--line); background: rgba(255,255,255,0.85); backdrop-filter: saturate(180%) blur(12px); position: sticky; top: 0; z-index: 10; }
header.site .in { max-width: var(--max); margin: 0 auto; padding: 15px 22px; display: flex; align-items: center; justify-content: space-between; }
.logo { font-weight: 700; font-size: 19px; letter-spacing: -0.03em; text-decoration: none; color: var(--ink); }
.logo b { color: var(--blue); }
header.site .in a.order { background: var(--blue); color: #fff; padding: 9px 16px; border-radius: 10px; font-weight: 700; font-size: 14px; text-decoration: none; }
header.site .in a.order:hover { background: var(--blue-dark); }

main { max-width: var(--max); margin: 0 auto; padding: 0 22px 40px; }
.crumbs { font-size: 13px; color: var(--muted); padding: 20px 0 4px; }
.crumbs a { color: var(--muted); text-decoration: none; }
.crumbs a:hover { color: var(--blue); }
.crumbs span { color: var(--body); }

article h1 { font-size: clamp(26px, 4vw, 34px); font-weight: 700; line-height: 1.35; letter-spacing: -0.03em; margin: 14px 0 12px; }
.lede { font-size: 17px; color: var(--body); line-height: 1.7; margin-bottom: 8px; }
.asof { font-size: 12.5px; color: var(--muted); margin-bottom: 26px; }

article h2 { font-size: 21px; font-weight: 700; letter-spacing: -0.02em; margin: 38px 0 12px; line-height: 1.4; }
article h3 { font-size: 16.5px; font-weight: 700; letter-spacing: -0.02em; margin: 26px 0 8px; }
article p { font-size: 15.5px; color: var(--body); margin-bottom: 14px; }
article strong, article b { color: var(--ink); }
article ul, article ol { padding-left: 20px; margin: 0 0 16px; color: var(--body); font-size: 15.5px; }
article li { margin-bottom: 8px; }

.tbl-wrap { overflow-x: auto; margin: 18px 0 20px; border: 1px solid var(--line); border-radius: 14px; }
table { width: 100%; border-collapse: collapse; font-size: 14px; background: var(--card); }
th, td { text-align: left; padding: 12px 14px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { font-weight: 700; color: var(--ink); background: #FAFBFC; font-size: 13px; }
td { color: var(--body); }
td.num, th.num { text-align: right; white-space: nowrap; font-variant-numeric: tabular-nums; }
tr:last-child td { border-bottom: 0; }
.badge-loan { display: inline-block; background: #FBEEE6; color: #B4530A; border: 1px solid #F0D4BF; border-radius: 6px; padding: 1px 7px; font-size: 11.5px; font-weight: 700; letter-spacing: -0.01em; white-space: nowrap; }
.badge-grant { display: inline-block; background: #E7F3EA; color: #1F7A3D; border: 1px solid #C9E6D2; border-radius: 6px; padding: 1px 7px; font-size: 11.5px; font-weight: 700; letter-spacing: -0.01em; white-space: nowrap; }

.callout { background: var(--blue-soft); border: 1px solid #D5E4FB; border-radius: 14px; padding: 18px 20px; margin: 22px 0; font-size: 14.5px; color: var(--blue-dark); line-height: 1.7; }
.callout b { color: var(--blue-dark); }
.honest-box { background: #FFF8EE; border: 1px solid #F5E3C0; border-radius: 14px; padding: 18px 20px; margin: 22px 0; font-size: 14.5px; color: #6B5A2E; line-height: 1.7; }
.honest-box b { color: #6B5A2E; }

.calc { background: var(--card); border: 1px solid var(--line); border-radius: 18px; padding: 22px; margin: 26px 0; box-shadow: 0 4px 24px rgba(25,31,40,0.05); }
.calc h3 { margin: 0 0 4px; font-size: 16px; }
.calc .sub { font-size: 13px; color: var(--muted); margin-bottom: 14px; }
.calc .row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 12px; }
.calc label { display: block; font-size: 13px; font-weight: 600; color: var(--body); }
.calc select, .calc input { width: 100%; margin-top: 6px; padding: 11px 12px; border: 1px solid var(--line); border-radius: 12px; font-size: 15px; font-family: inherit; background: #fff; color: var(--ink); }
.calc select:focus, .calc input:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px var(--blue-soft); }
.calc .out { margin-top: 6px; border-top: 1px solid var(--line); padding-top: 14px; }
.calc .out .big { font-size: 28px; font-weight: 700; font-variant-numeric: tabular-nums; letter-spacing: -0.03em; }
.calc .out .big small { font-size: 14px; font-weight: 500; color: var(--body); }
.calc .out ul { list-style: none; padding: 0; margin: 10px 0 0; }
.calc .out li { display: flex; justify-content: space-between; gap: 10px; font-size: 14px; padding: 8px 0; border-bottom: 1px solid var(--line); color: var(--ink); }
.calc .out li span:last-child { color: var(--body); white-space: nowrap; }
.calc a.cta { display: block; text-align: center; background: var(--blue); color: #fff; text-decoration: none; font-weight: 700; padding: 14px; border-radius: 13px; margin-top: 16px; font-size: 15px; }
.calc a.cta:hover { background: var(--blue-dark); }

.endcta { background: var(--ink); color: #E5E8EB; border-radius: 20px; padding: 30px; margin: 36px 0 10px; }
.endcta h2 { color: #fff; margin: 0 0 8px; font-size: 20px; }
.endcta p { color: #C6CDD5; font-size: 14.5px; margin-bottom: 16px; }
.endcta a { display: inline-block; background: var(--blue); color: #fff; text-decoration: none; font-weight: 700; padding: 13px 22px; border-radius: 13px; font-size: 15px; }
.endcta a:hover { background: var(--blue-dark); }

.related { margin-top: 34px; border-top: 1px solid var(--line); padding-top: 22px; }
.related h2 { font-size: 16px; margin: 0 0 12px; }
.related ul { list-style: none; padding: 0; display: grid; gap: 8px; }
.related a { font-size: 14.5px; text-decoration: none; }
.related a:hover { text-decoration: underline; }

footer.site { border-top: 1px solid var(--line); background: #fff; }
footer.site .in { max-width: var(--max); margin: 0 auto; padding: 30px 22px 44px; }
footer.site .legal { font-size: 12.5px; color: var(--muted); line-height: 1.8; }
footer.site .links { font-size: 12.5px; color: var(--muted); margin-top: 12px; }
footer.site .links a { color: var(--muted); text-decoration: none; }
footer.site .links a:hover { color: var(--blue); }

@media (max-width: 560px) { .calc .row { grid-template-columns: 1fr; } }