@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700;800&family=Noto+Sans+KR:wght@400;500;600;700;800;900&display=swap');
:root{--navy:#061528;--navy2:#0a2135;--panel:#10283d;--outline:#254357;--cyan:#27e4bd;--sky:#81bffb;--amber:#ffbb74;--light:#eef6f8;--muted:#9db5c3;--ink:#eaf8ff;--radius:20px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--navy);color:var(--ink);font-family:'Noto Sans KR','DM Sans',system-ui,sans-serif;font-size:16px;line-height:1.8}a{color:inherit;text-decoration:none}button,input,select{font:inherit}a:focus-visible,button:focus-visible,select:focus-visible,input:focus-visible{outline:3px solid #ffd18b;outline-offset:3px}a:hover{color:var(--cyan)}.shell{width:min(1220px,calc(100% - 48px));margin:auto}.skip{position:absolute;left:-9999px;top:0;background:#fff;color:#000;padding:12px;z-index:200}.skip:focus{left:8px}.topbar{position:sticky;top:0;z-index:100;background:rgba(5,18,35,.95);backdrop-filter:blur(18px);border-bottom:1px solid #203849}.nav{display:flex;align-items:center;justify-content:space-between;min-height:79px;gap:24px}.brand{display:flex;align-items:center;gap:12px;font-size:25px;font-weight:900;white-space:nowrap;letter-spacing:-1.1px}.brand small{display:block;font-size:10px;font-weight:800;letter-spacing:2px;color:var(--cyan);line-height:1.2}.brand b{color:var(--cyan)}.brand-icon{height:40px;width:40px;object-fit:contain}.mainnav{display:flex;gap:25px;align-items:center;font-size:14px;font-weight:700}.mainnav a{color:#c9e0ec}.mainnav a:hover{color:var(--cyan)}.hamb{display:none;background:#12283e;color:white;border:1px solid #395568;border-radius:9px;padding:8px 14px;font-size:21px}.bar{background:linear-gradient(90deg,#14394a,#0b253d);border-bottom:1px solid #1f5360;color:#b7d6dc;font-size:12px;letter-spacing:.12px}.bar .shell{display:flex;gap:12px;align-items:center;justify-content:space-between;padding:7px 0}.bar a{font-weight:700;color:var(--cyan)}main{min-height:66vh}.hero{position:relative;overflow:hidden;padding:64px 0 48px;background:radial-gradient(ellipse 68% 130% at 100% 6%,#104850 0%,transparent 67%),linear-gradient(120deg,#07172b,#0b2238)}.hero:before{content:'';position:absolute;right:-145px;top:-220px;width:640px;height:640px;border:1px solid #1c675d;border-radius:100%;opacity:.6;pointer-events:none}.hero-grid{display:grid;grid-template-columns:1.2fr .88fr;gap:42px;align-items:center;position:relative}.eyebrow{font-size:12px;color:#7fe7d1;font-weight:800;letter-spacing:1.7px;text-transform:uppercase}.hero h1{font-size:clamp(32px,4.1vw,59px);letter-spacing:-2.5px;line-height:1.32;margin:15px 0 21px;word-break:keep-all}.hero h1 em{font-style:normal;color:var(--cyan)}.hero p{color:#b7cbd5;font-size:16px;max-width:720px;margin-bottom:25px;word-break:keep-all}.chips{display:flex;flex-wrap:wrap;gap:10px}.chip,.btn{display:inline-flex;justify-content:center;align-items:center;gap:9px;min-height:43px;padding:9px 17px;border-radius:12px;background:#173149;border:1px solid #2b5165;font-size:14px;font-weight:800;color:#e2f6fd;cursor:pointer}.chip:hover,.btn:hover{background:#1b4f59;border-color:var(--cyan);color:white}.chip.primary,.btn.primary{background:var(--cyan);border-color:var(--cyan);color:#052636}.chip.primary:hover,.btn.primary:hover{background:#77f8d6;color:#052636}.badge{display:inline-flex;gap:6px;align-items:center;font-size:12px;font-weight:800;padding:5px 13px;border-radius:100px;background:#0d3b42;color:#8af3db;border:1px solid #1d7e78}.badge.warn{background:#3d2b1b;color:#ffd5a9;border-color:#a96c36}.surface{background:#0b2438;border:1px solid #275065;border-radius:24px;box-shadow:0 17px 44px #020c1799;padding:27px}.surface .overline{font-size:12px;color:var(--cyan);font-weight:900;letter-spacing:1px}.surface h2{font-size:22px;margin:6px 0 17px;line-height:1.45}.data-row{display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid #28485c;padding:15px 0;gap:20px}.data-row:last-child{border-bottom:0}.data-row strong{font-size:24px;color:#e8fff8;white-space:nowrap;font-feature-settings:'tnum'}.data-row span{font-size:13px;color:#b6d2de}.note{background:#142c3f;border:1px solid #355467;padding:18px 22px;border-radius:14px;color:#c8dce6;font-size:14px;margin:22px 0}.note.warn{border-color:#806037;background:#37271d;color:#ffdbad}.note a{text-decoration:underline}.section{padding:36px 0}.section.alt{background:#0a2033}.section-header{display:flex;justify-content:space-between;align-items:end;gap:20px;margin:0 0 22px}.section-header h2{font-size:28px;letter-spacing:-1px;line-height:1.4;margin:0}.section-header p{color:var(--muted);margin:4px 0 0;font-size:14px}.section-header>a{color:var(--cyan);font-size:14px;font-weight:800;white-space:nowrap}.cards{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:15px}.cards.three{grid-template-columns:repeat(3,minmax(0,1fr))}.card{background:#112a3e;border:1px solid #234a5d;border-radius:19px;padding:23px;display:flex;flex-direction:column;gap:9px;min-width:0;transition:transform .15s, border-color .15s}.card:hover{transform:translateY(-2px);border-color:#52d3bc;color:white}.card .symbol{font-size:28px;line-height:1.35}.card .meta{font-size:12px;color:#85efdf;font-weight:800}.card h3{font-size:19px;line-height:1.4;letter-spacing:-.6px;margin:1px 0 0}.card p{font-size:13px;color:#acc5d2;margin:0;line-height:1.7}.card .arrow{margin-top:auto;padding-top:10px;color:var(--cyan);font-size:13px;font-weight:800}.paybox{background:linear-gradient(120deg,#113c43,#1b3150);border:1px solid #28777f;border-radius:17px;padding:22px}.paybox label{font-size:13px;color:#c4e0e7;display:block}.paybox strong{font-size:clamp(24px,3vw,39px);line-height:1.4;letter-spacing:-1px;color:#edfffd;display:block;white-space:nowrap}.paybox small{display:block;color:#a4d0d2;font-size:12px}.triple{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.body-grid{display:grid;grid-template-columns:minmax(0,1fr) 272px;gap:28px;align-items:start}.content h2{font-size:24px;letter-spacing:-.7px;margin:35px 0 15px}.content h3{font-size:19px;margin:24px 0 10px}.content p{color:#c1d5e0}.content .prose{margin:12px 0 24px}.side{position:sticky;top:105px}.side .box{border:1px solid #28495c;background:#112b3f;border-radius:15px;padding:22px;margin-bottom:15px}.side h3{margin:0 0 14px;font-size:17px}.link-list{display:grid;gap:7px}.link-list a{padding:9px 10px;display:block;border-radius:8px;background:#183447;color:#cfe8ee;font-size:13px}.link-list a:hover{color:#fff;background:#27635b}.full-table{overflow-x:auto;scrollbar-width:thin;scrollbar-color:#267767 transparent;border:1px solid #305065;border-radius:16px}.full-table table{border-collapse:collapse;min-width:600px;width:100%;font-size:13px}.full-table th,.full-table td{padding:11px 12px;text-align:right;border-bottom:1px solid #204157;white-space:nowrap;font-variant-numeric:tabular-nums}.full-table thead th{background:#174052;color:#ccfff1;position:sticky;top:0;z-index:2}.full-table tbody tr:nth-child(even){background:#112a3c}.full-table tbody tr:hover{background:#194158}.full-table th:first-child,.full-table td:first-child{text-align:left;position:sticky;left:0;background:#173143;font-weight:800;box-shadow:2px 0 0 #204157}.full-table tbody td:first-child{background:#102c40}.full-table a{color:#d9f5fb;text-decoration:underline;text-decoration-color:#396773;text-underline-offset:3px}.full-table a:hover{color:var(--cyan)}.full-table tr.focus{background:#134e53!important}.full-table tr.focus td:first-child{background:#134e53}.kpi{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:11px;margin:25px 0}.kpi-item{background:#102c3f;border-radius:13px;border:1px solid #275164;padding:15px 17px}.kpi-item small{display:block;font-size:12px;color:#a0bec9}.kpi-item strong{font-size:20px;color:#d5fff5;white-space:nowrap}.crumb{padding:19px 0;color:#97b5c5;font-size:12px}.crumb a{color:#a5decf}.crumb span{padding:0 7px}.pagehead{padding:16px 0 31px}.pagehead h1{font-size:clamp(27px,3.3vw,43px);letter-spacing:-1.4px;line-height:1.38;margin:12px 0 15px}.pagehead .lead{max-width:860px;font-size:16px;color:#c5d6e0}.tabbar{display:flex;gap:9px;flex-wrap:wrap;margin:22px 0}.tabbar a{font-size:13px;border-radius:99px;border:1px solid #3b566b;background:#15344a;padding:9px 17px;font-weight:800}.tabbar a.on{color:#082a2e;background:var(--cyan);border-color:var(--cyan)}.rank-nav{display:flex;gap:7px;flex-wrap:wrap;margin:15px 0}.rank-nav a{padding:7px 13px;border-radius:9px;border:1px solid #2d5c6d;font-size:12px;background:#112f43;color:#c4dce8}.rank-nav a.on{background:#29675e;color:white;border-color:#48d4aa}.faq{margin:25px 0}.faq details{border:1px solid #284b5c;border-radius:12px;background:#10293c;margin:8px 0;padding:16px 18px}.faq summary{cursor:pointer;font-weight:800;color:#ecfff8}.faq p{margin-bottom:0}.quote{border-left:4px solid var(--cyan);padding:8px 20px;background:#0e2a3b;color:#cfe5e8}.guides{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.guides a{display:flex;justify-content:space-between;align-items:center;border:1px solid #244b61;border-radius:12px;background:#0d273a;padding:15px 18px;gap:10px;font-size:14px}.guides a span{color:var(--cyan);font-weight:900}.field{display:flex;flex-direction:column;gap:7px;min-width:0}.field label{font-size:13px;font-weight:800;color:#bde1e5}.field select,.field input{border:1px solid #345c70;background:#0c253a;border-radius:11px;padding:13px 14px;color:#e8faff;min-height:50px;width:100%;appearance:auto}.formgrid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}.calculator{padding:25px;border:1px solid #26636a;border-radius:18px;background:linear-gradient(125deg,#102f41,#0f2b39);margin:16px 0}.result{background:#072432;border:1px solid #32a69f;border-radius:16px;padding:23px;margin:18px 0}.result .number{font-weight:900;color:#87ffe5;font-size:clamp(26px,4vw,39px);line-height:1.4}.result small{color:#a8c9d0}.mini{font-size:12px;color:#9db7c6}.foot{border-top:1px solid #284355;background:#04121f;padding:45px 0 65px;margin-top:65px;font-size:13px;color:#9db6c5}.foot-grid{display:grid;grid-template-columns:2fr 1fr;gap:30px}.foot .brand{font-size:23px;color:white}.foot a{text-decoration:underline;text-underline-offset:3px}.ad-slot{border-top:1px solid #173544;border-bottom:1px solid #173544;margin:28px 0;padding:3px 0;min-height:0}.sr-only{position:absolute;left:-9999px}.muted{color:var(--muted)}.pill-switch{display:flex;gap:9px;align-items:center;flex-wrap:wrap}.pill-switch label{display:inline-flex;align-items:center;gap:7px;font-size:13px}.pill-switch input{accent-color:var(--cyan)}.table-note{color:#b5c9d3;font-size:12px;margin:8px 0 24px}.hero .safetag{display:flex;gap:10px;margin-top:24px;align-items:center;color:#c3e1e5;font-size:12px}.hero .safetag b{color:#ffc68a}.stack{display:grid;gap:15px}.mobile-only{display:none}
@media(max-width:1050px){.cards{grid-template-columns:repeat(3,minmax(0,1fr))}.body-grid{grid-template-columns:1fr}.side{position:static}.hero-grid{grid-template-columns:1fr}.hero-grid>.surface{max-width:620px}.formgrid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:760px){.shell{width:min(100% - 28px,1220px)}.nav{min-height:66px}.hamb{display:block}.mainnav{display:none;position:absolute;left:0;top:65px;right:0;background:#071b2e;border-bottom:1px solid #315065;padding:16px 20px;flex-direction:column;align-items:stretch;gap:3px}.mainnav.open{display:flex}.mainnav a{padding:9px;border-bottom:1px solid #19364a}.bar .shell{flex-direction:column;align-items:start;gap:1px}.hero{padding:42px 0 32px}.hero h1{font-size:35px;letter-spacing:-1.5px}.hero p{font-size:14px}.cards,.cards.three{grid-template-columns:repeat(2,minmax(0,1fr))}.section{padding:27px 0}.section-header h2{font-size:23px}.triple{grid-template-columns:1fr}.paybox{padding:19px}.kpi{grid-template-columns:repeat(2,minmax(0,1fr))}.guides{grid-template-columns:1fr}.foot-grid{grid-template-columns:1fr}.surface{padding:19px}.full-table th,.full-table td{padding:10px 11px}.formgrid{grid-template-columns:1fr 1fr}.card{padding:16px}.card h3{font-size:16px}.card p{font-size:12px}.pagehead{padding:9px 0 24px}.pagehead h1{font-size:29px}.pagehead .lead{font-size:14px}.mobile-only{display:block}}
@media(max-width:390px){.cards,.cards.three{grid-template-columns:1fr}.formgrid{grid-template-columns:1fr}.data-row{flex-wrap:wrap;gap:3px}.data-row strong{font-size:21px}}
/* Mobile layout containment: tables scroll internally rather than widening the document. */
.body-grid .content,.body-grid .side,.full-table,.section .shell,.shell,.calculator{min-width:0}
@media(max-width:1050px){.body-grid{grid-template-columns:minmax(0,1fr)}}
@media(max-width:760px){.body-grid{grid-template-columns:minmax(0,1fr)}.full-table{max-width:100%;overflow-x:auto}.full-table table{width:max-content;min-width:100%;}.kpi-item strong{font-size:clamp(15px,4vw,20px)}.paybox strong{font-size:26px}}