@charset "UTF-8";
:root{--ink:#142325;--muted:#607074;--paper:#f5f7f7;--line:#dfe6e5;--green:#07654e;--lime:#d8f878;--red:#ae2940;--radius:18px;font-family:Arial,"Malgun Gothic","Apple SD Gothic Neo",sans-serif;color:var(--ink);background:var(--paper);font-size:16px;font-synthesis:none}*{box-sizing:border-box}body{margin:0}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button,a,input,summary{touch-action:manipulation}button{cursor:pointer}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #087fca;outline-offset:4px}button:disabled{cursor:default;opacity:.5}.wrap{width:min(1220px,calc(100% - 56px));margin:auto}.top{background:#fff;border-bottom:1px solid var(--line)}.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:84px}.brand{display:flex;gap:11px;align-items:center;font-size:23px;letter-spacing:-1px;font-weight:800}.brand-mark{font-size:25px;width:40px;height:40px;display:grid;place-items:center;background:var(--ink);color:var(--lime);border-radius:12px;letter-spacing:-3px;padding-right:3px}.brand small{display:block;font-size:12px;letter-spacing:2px;color:var(--muted);margin-top:2px}.nav nav{display:flex;align-items:center;gap:30px;font-size:14px;font-weight:700}.nav nav a:hover{color:var(--green)}.nav-note{border-left:1px solid var(--line);padding-left:28px;color:var(--muted);font-weight:400!important}.intro{padding:38px 0 24px;display:flex;align-items:end;justify-content:space-between;gap:24px}.eyebrow{font-size:12px;font-weight:800;letter-spacing:2px;color:var(--green);margin:0 0 12px}h1{font-size:clamp(28px,3.1vw,40px);letter-spacing:-1.5px;line-height:1.32;margin:0 0 12px}h2{font-size:23px;letter-spacing:-.8px;margin:0 0 16px}h3{font-size:17px;margin:0 0 12px}p{line-height:1.8}.intro p:last-child{color:var(--muted);margin:0;font-size:15px}.private-note{font-size:13px;white-space:nowrap;color:var(--muted);padding-bottom:6px}.tool-nav{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:22px}.tool-nav a{padding:12px 19px;font-size:14px;background:#fff;border:1px solid var(--line);border-radius:9px;font-weight:700}.tool-nav a.active{background:var(--ink);color:#fff;border-color:var(--ink)}.tool-nav a:hover{border-color:var(--green)}.calculator{display:grid;grid-template-columns:minmax(0,1.18fr) minmax(0,.82fr);gap:22px;align-items:start}.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}.panel-head{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:22px}.panel-head h2{font-size:18px;margin:0}.panel-head span{font-size:13px;color:var(--muted)}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px 20px}label.field{display:block;font-size:14px;font-weight:700}label.field small{display:block;font-size:12px;font-weight:400;color:var(--muted);margin-top:7px;line-height:1.5}.input-wrap{position:relative;margin-top:9px}input[type=number],input[type=text],input[type=password]{width:100%;padding:13px 44px 13px 14px;border:1px solid #cbd6d3;border-radius:9px;min-height:49px;background:#fff;color:var(--ink);font-weight:700;font-variant-numeric:tabular-nums}input:focus{border-color:var(--green);outline:2px solid #d9f1e7}.input-wrap span{position:absolute;right:14px;top:15px;color:var(--muted);font-size:14px;font-weight:400}.input-wrap.primary input{background:#f1f8ec;border-color:#b9d79d}.separator{border:0;border-top:1px solid var(--line);margin:26px 0}details{margin-top:22px}summary{cursor:pointer;font-size:14px;font-weight:700;line-height:1.6}details[open] summary{margin-bottom:20px}.check{display:flex;gap:10px;align-items:start;font-size:13px;line-height:1.7;margin-top:20px;color:var(--muted)}.check input{width:17px;height:17px;accent-color:var(--green);margin-top:3px}.hint{font-size:12px;line-height:1.8;color:var(--muted);margin:18px 0 0}.actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}.button{border:1px solid var(--line);background:#fff;color:var(--ink);padding:12px 18px;border-radius:9px;font-size:14px;font-weight:700;display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:45px}.button.primary{background:var(--green);color:#fff;border-color:var(--green)}.button:hover{filter:brightness(.95)}.result{border-radius:var(--radius);background:var(--ink);padding:30px;color:#fff;position:sticky;top:20px;overflow:hidden}.result-top{display:flex;justify-content:space-between;align-items:center;font-size:14px;color:#c3d0cc}.result-top span:last-child{font-size:12px;border:1px solid #4a5b57;border-radius:50px;padding:5px 9px}.amount{font-size:clamp(36px,4.5vw,58px);font-weight:800;letter-spacing:-2px;line-height:1.5;color:var(--lime);overflow-wrap:anywhere;font-variant-numeric:tabular-nums}.result.loss .amount{color:#ff9baa}.result-sub{font-size:14px;color:#cedad5;margin:0 0 22px}.result-sub b{color:var(--lime);margin-right:10px}.result dl{margin:0}.result dl div{display:flex;justify-content:space-between;gap:14px;padding:11px 0;font-size:14px;color:#d3dedb}.result dd{margin:0;color:#fff;font-variant-numeric:tabular-nums}.result dl div.total{border-top:1px solid #42534e;margin-top:6px;padding-top:18px}.result-bottom{margin:20px 0 0;border-top:1px solid #42534e;padding-top:20px;font-size:13px;color:#b9cbc4;line-height:1.7}.cost-bar{display:flex;height:10px;gap:3px;border-radius:8px;overflow:hidden;margin:24px 0 16px}.cost-bar span{min-width:0;transition:width .2s}.cost-bar span:nth-child(1){background:#7a9890}.cost-bar span:nth-child(2){background:#bccdc7}.cost-bar span:nth-child(3){background:var(--lime)}.legend{display:flex;gap:18px;font-size:12px;color:#c4d3cc}.legend i{display:inline-block;width:7px;height:7px;border-radius:2px;margin-right:5px;background:#7a9890}.legend span:nth-child(2) i{background:#bccdc7}.legend span:nth-child(3) i{background:var(--lime)}.result a{color:var(--lime);display:inline-block;margin-top:16px;font-size:14px}.insights{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:22px}.insight{padding:23px;background:#fff;border:1px solid var(--line);border-radius:14px}.insight p{margin:0 0 8px;font-size:13px;color:var(--muted)}.insight strong{font-size:24px;letter-spacing:-.7px}.insight small{display:block;color:var(--muted);font-size:12px;margin-top:8px;line-height:1.6}.section{padding:44px 0}.section-header{display:flex;align-items:baseline;justify-content:space-between;gap:16px}.section-header p{font-size:13px;color:var(--muted)}.guides{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.guide{display:block;border-top:2px solid var(--ink);padding:22px 4px}.guide .tag{font-size:12px;color:var(--green);font-weight:700}.guide h3{margin:14px 0 9px;font-size:20px;line-height:1.5}.guide p{font-size:14px;color:var(--muted);margin:0}.guide .read{font-size:13px;font-weight:700;display:block;margin-top:20px}.faq{max-width:840px}.faq details{padding:18px 0;border-bottom:1px solid var(--line);margin:0}.faq p{font-size:14px;color:var(--muted)}.banner{display:flex;justify-content:space-between;gap:25px;align-items:center;background:#e5eedd;border-radius:16px;padding:28px;margin:6px 0 42px}.banner h2{font-size:21px;margin:0 0 8px}.banner p{font-size:14px;color:#526247;margin:0}.footer{border-top:1px solid var(--line);padding:28px 0;background:#fff}.footer-inner{display:flex;justify-content:space-between;gap:24px;align-items:center}.footer p{font-size:12px;color:var(--muted);margin:8px 0}.footer nav{display:flex;gap:20px;font-size:13px}.error{background:#fff0f2;border:1px solid #e4adb7;color:#8b1730;border-radius:9px;padding:14px;font-size:14px;line-height:1.7;margin-bottom:20px}.error[hidden], [hidden]{display:none!important}.toast{font-size:13px;min-height:20px;color:var(--green);margin-top:12px}.article{max-width:790px;margin:0 auto;padding:48px 0 64px}.article h1{font-size:36px;margin-bottom:22px}.article h2{margin:34px 0 13px;font-size:23px}.article p,.article li{line-height:1.95;color:#425456;font-size:16px}.article li{margin:10px 0}.article .formula{background:#eaf1eb;padding:20px;border-left:3px solid var(--green);line-height:1.8;overflow-wrap:anywhere}.crumb{font-size:13px;color:var(--muted);margin-bottom:26px}.table-scroll{overflow:auto}table{width:100%;border-collapse:collapse;font-size:14px}th,td{text-align:left;padding:15px 12px;border-bottom:1px solid var(--line);white-space:nowrap}th{background:#eef3ef;font-weight:700}.consent{position:fixed;bottom:18px;left:18px;max-width:430px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 10px 50px #14232520;padding:20px;z-index:10}.consent p{font-size:13px;line-height:1.7;margin:0 0 14px}.consent .actions{margin:0}.skip{position:absolute;left:-9999px}.skip:focus{left:15px;top:15px;z-index:30;background:white;padding:15px}.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-bottom:22px}.metric{background:white;border:1px solid var(--line);padding:24px;border-radius:15px}.metric p{font-size:13px;color:var(--muted);margin:0 0 12px}.metric strong{font-size:36px;font-variant-numeric:tabular-nums}.metric small{display:block;color:var(--muted);font-size:12px;margin-top:10px}.dashboard-grid{display:grid;grid-template-columns:1.5fr 1fr;gap:22px}.chart{height:210px;display:flex;align-items:end;gap:8px;padding-top:20px}.chart-col{flex:1;display:flex;flex-direction:column;align-items:center;height:100%;justify-content:end;gap:7px;font-size:11px;color:var(--muted)}.chart-col i{display:block;width:100%;max-width:42px;background:var(--green);min-height:2px;border-radius:5px 5px 0 0}.status-list{list-style:none;padding:0;margin:0}.status-list li{display:flex;justify-content:space-between;gap:20px;padding:17px 0;border-bottom:1px solid var(--line);font-size:14px}.status-pill{background:#edf4e9;color:var(--green);font-size:12px;padding:5px 9px;border-radius:6px}.login{max-width:440px;margin:70px auto}.comparison{margin-top:24px}.traffic-note{margin-top:18px;color:var(--muted);font-size:13px;line-height:1.8}select{padding:10px;border:1px solid var(--line);border-radius:8px;background:white}.admin-actions{display:flex;gap:10px;align-items:center;flex-wrap:wrap}
@media(max-width:900px){.wrap{width:calc(100% - 36px)}.nav-note,.private-note{display:none}.calculator{grid-template-columns:1fr 1fr;gap:16px}.panel,.result{padding:22px}.field-grid{gap:20px 14px}.stats-grid{grid-template-columns:1fr 1fr}.dashboard-grid{grid-template-columns:1fr}.insights{gap:12px}.insight{padding:18px}.insight strong{font-size:21px}}
@media(max-width:640px){.wrap{width:calc(100% - 32px)}.nav{min-height:72px;gap:12px}.brand{font-size:19px}.brand-mark{width:34px;height:34px;font-size:23px}.brand small{font-size:10px}.nav nav{gap:16px;font-size:13px}.intro{padding-top:28px}.intro p:last-child{font-size:14px}.tool-nav{gap:6px;display:grid;grid-template-columns:repeat(3,1fr)}.tool-nav a{padding:12px 5px;text-align:center;font-size:13px}.calculator{grid-template-columns:1fr}.panel,.result{padding:22px}.result{position:static}.amount{font-size:46px}.insights{grid-template-columns:1fr;gap:9px}.insight{display:grid;grid-template-columns:1fr 1fr;align-items:center}.insight p{margin:0}.insight strong{text-align:right}.insight small{grid-column:1/-1}.section{padding:34px 0}.section-header{display:block}.guides{grid-template-columns:1fr}.guide{padding:20px 0}.banner{padding:24px;display:block}.banner a{margin-top:18px}.footer-inner{display:block}.footer nav{margin-top:22px;flex-wrap:wrap}.article{padding-top:32px}.article h1{font-size:28px}.consent{left:12px;bottom:12px;right:12px;max-width:none}.stats-grid{gap:10px}.metric{padding:18px}.metric strong{font-size:28px}.chart{gap:4px}.chart-col{font-size:10px}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

input::placeholder{color:#66756e;opacity:1;font-weight:400}