@charset "utf-8";
:root{--green:#126b52;--green-dark:#104d3e;--ink:#1d3028;--muted:#596c61;--line:#dce5df;--surface:#fff;--bg:#f5f7f4;--tint:#edf4ee;--soft:#f7faf7}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:24px}
body{margin:0;background:var(--bg);color:var(--ink);font-family:Pretendard,-apple-system,BlinkMacSystemFont,"Segoe UI","Malgun Gothic",sans-serif;font-size:18px;line-height:1.7;word-break:keep-all;overflow-wrap:anywhere}
h1,h2,h3,p,ul,dl,dd{margin:0}ul{list-style:none;padding:0}a{color:inherit;text-decoration:none}
button,input,select,textarea{font:inherit;color:inherit}button{cursor:pointer}button:disabled{cursor:default;opacity:.55}
button,a,input,select,textarea,summary{-webkit-tap-highlight-color:transparent}
button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid #318867;outline-offset:4px}
[hidden]{display:none!important}.db{max-width:1200px;padding:0 32px;margin:0 auto}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap}
.skip-link{position:fixed;top:-100px;left:20px;z-index:100;background:var(--green-dark);color:#fff;padding:12px 20px;border-radius:8px}
.skip-link:focus{top:12px}
.site-header{background:#fff;border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:88px}
.brand{display:inline-flex;align-items:center;gap:12px;font-size:28px;font-weight:800;letter-spacing:-1.2px;line-height:1.3;white-space:nowrap}
#content{padding-bottom:clamp(48px,6vw,80px)}
.brand-name{display:inline-flex;gap:6px;align-items:baseline}.brand-name span{font-weight:500;color:#476657}
.brand-symbol{display:block;width:44px;height:44px;flex-shrink:0}
.brand-light{font-weight:500;color:#456453}

.main-nav{background:#fff;border-bottom:1px solid var(--line)}
.main-nav ul{display:flex;gap:22px;overflow-x:auto;overscroll-behavior-x:contain;scrollbar-width:thin;scrollbar-color:#c3d3c6 transparent}
.main-nav li{flex-shrink:0}
.main-nav a{display:block;padding:16px 0 13px;font-size:16px;font-weight:500;border-bottom:3px solid transparent;color:#293d34;white-space:nowrap}
.main-nav a:hover,.main-nav a[aria-current]{color:var(--green)}
.main-nav a[aria-current]{border-color:var(--green);font-weight:500}
.page-hero{padding:28px 0 24px}
.eyebrow{display:flex;align-items:center;gap:10px;font-size:15px;font-weight:650;color:var(--green)}
.page-hero h1{font-size:40px;font-weight:800;line-height:1.25;letter-spacing:-1.8px;margin:8px 0 10px}

.calculator-grid{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,1fr);gap:24px;align-items:start}
.input-card,.result-card,.content-card{border:1px solid var(--line);border-radius:18px;padding:30px;background:var(--surface);min-width:0}
.input-card{box-shadow:0 5px 24px #233c2b05}
.card-heading{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:12px}
.card-heading h2{display:flex;align-items:center;gap:10px;font-size:21px;font-weight:750;letter-spacing:-.4px}
.step-number{font-size:15px;display:grid;place-items:center;min-width:30px;height:30px;background:var(--tint);border-radius:8px;color:var(--green);font-weight:700}
.text-button{padding:8px 0;background:none;border:0;font-size:15px;color:var(--muted);white-space:nowrap;min-height:44px}
.text-button span{margin-left:4px;font-size:20px;vertical-align:middle}
.text-button:hover{color:var(--green)}
.input-hint{font-size:16px;color:var(--muted);margin-bottom:28px}
.scope-info{font-size:15px;line-height:1.8;padding:14px 16px;margin:0 0 24px;background:var(--soft);border-left:3px solid var(--green);border-radius:0 8px 8px 0;color:#425c4e}
.fields-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:24px 18px}
.field{min-width:0}.field-wide{grid-column:1/-1}
.field label{display:block;font-size:16px;font-weight:650;line-height:1.6;margin-bottom:9px}
.input-wrap{position:relative}
.input-wrap input,.input-wrap select{display:block;width:100%;min-width:0;height:52px;background:#fff;border:1px solid #bdcec2;border-radius:9px;padding:12px 14px;font-size:18px;line-height:1.5}
.input-wrap input{font-variant-numeric:tabular-nums}
.input-wrap:has(.input-unit) input{padding-right:52px}
.input-wrap input:focus,.input-wrap select:focus,.purchase-row input:focus{outline:2px solid #a3c6af;border-color:var(--green);outline-offset:1px;background:#fcfefc}
.input-wrap select{font-size:17px;padding-right:27px}
.input-unit{position:absolute;right:14px;top:50%;transform:translateY(-50%);font-size:16px;color:var(--muted);pointer-events:none}
.field small,.field-help{display:block;font-size:15px;line-height:1.7;color:var(--muted);margin-top:7px}
.field .amount-preview{font-size:15px;color:var(--green);font-weight:550;min-height:22px}
.field .amount-preview:empty{display:none}
input[aria-invalid=true]{border-color:#b13f2c!important}
.calculate-button{width:100%;display:flex;align-items:center;justify-content:center;gap:14px;border:0;border-radius:9px;background:var(--green);color:#fff;font-size:18px;font-weight:700;min-height:54px;padding:13px;margin-top:28px;transition:background .15s}
.calculate-button:hover{background:var(--green-dark)}.calculate-button span{font-size:24px;line-height:1}
.form-footnote{margin-top:12px;text-align:center;font-size:15px;color:var(--muted)}
.form-error{color:#992b20;font-size:16px;line-height:1.7;margin-top:20px;padding:13px 15px;background:#fff1ec;border:1px solid #f2c8ba;border-radius:8px}
.result-card{background:#edf5ed;border-color:#cbdccc;border-top:4px solid var(--green);padding-top:27px}
.result-card .step-number{background:#dceadc}
.status-badge{border:1px solid #c5d7c7;color:#395e44;font-size:15px;border-radius:6px;padding:4px 9px;background:#fafff8;white-space:nowrap}
.result-label{margin-top:30px;font-size:17px;color:#45644d;font-weight:550}
.result-value{font-size:44px;font-weight:800;line-height:1.35;letter-spacing:-1.5px;color:var(--green-dark);margin:10px 0 28px;font-variant-numeric:tabular-nums;overflow-wrap:anywhere;word-break:normal}
.result-value .value-unit{font-size:24px;font-weight:550;margin-left:6px;letter-spacing:0}
.result-details{border-top:1px solid #c9daca;padding-top:18px}
.result-row{display:flex;align-items:baseline;justify-content:space-between;gap:18px;padding:9px 0;font-size:16px;line-height:1.55}
.result-row dt{color:#4e6554}.result-row dd{font-weight:650;text-align:right;font-variant-numeric:tabular-nums;flex-shrink:0;max-width:64%;overflow-wrap:anywhere}
.result-note{font-size:15px;line-height:1.8;color:#4e6656;margin-top:22px}
.result-note:empty{display:none}
.copy-button{width:100%;display:flex;align-items:center;justify-content:center;gap:12px;background:#ffffffa8;border:1px solid #bfd3c1;border-radius:9px;min-height:48px;padding:11px;margin-top:24px;color:#315b3e;font-size:16px;font-weight:550}
.copy-button:hover:enabled{background:#fff}
.copy-status{font-size:15px;color:var(--green-dark);text-align:center;margin-top:8px}.copy-status:empty{display:none}
.copy-fallback{width:100%;margin-top:12px;padding:12px;font-size:16px;background:#fff;border:1px solid #aec5b5;border-radius:8px;resize:vertical}
.purchase-summary{display:flex;justify-content:space-between;font-size:15px;color:var(--muted);margin-bottom:16px}
.purchase-labels,.purchase-row{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr) 44px;gap:12px}
.purchase-labels{font-size:16px;font-weight:650;margin-bottom:9px}
.purchase-row{margin-bottom:14px;align-items:center}
.purchase-row input{height:52px;width:100%;min-width:0;border:1px solid #bdcec2;border-radius:9px;padding:12px;font-size:18px;font-variant-numeric:tabular-nums}
.purchase-row input::placeholder{color:#748579;font-size:16px}
.remove-purchase{width:44px;height:44px;padding:0;border:1px solid var(--line);border-radius:8px;background:var(--soft);color:#576e5d;font-size:26px}
.remove-purchase:hover:enabled{background:#fcece8;color:#9e3929}
.add-button{background:var(--soft);border:1px dashed #a8c0ad;border-radius:9px;min-height:48px;padding:11px;color:var(--green);width:100%;font-size:16px;font-weight:550;margin-top:2px}
.add-button:hover:enabled{background:var(--tint);border-color:var(--green)}
.notice{display:flex;align-items:baseline;gap:10px;color:var(--muted);font-size:15px;line-height:1.85;padding:20px 4px;margin:0}
.notice>span{font-size:19px;color:var(--green);flex-shrink:0}
.section-heading{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:18px}
.section-heading h2{font-size:22px;font-weight:750;letter-spacing:-.5px}.section-heading>span{font-size:15px;color:var(--muted)}
.related-section{margin:24px 0 40px}
.related-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.related-card{display:flex;align-items:center;gap:13px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px 18px;transition:border-color .15s,background .15s}
.related-card:hover{border-color:#8cac93;background:#fcfefb}
.tool-icon{display:grid;place-items:center;width:42px;height:42px;flex-shrink:0;font-size:26px;font-weight:600;background:var(--tint);color:var(--green);border-radius:11px}
.related-card strong{display:block;font-size:17px;font-weight:650}
.related-card small{display:block;font-size:15px;color:var(--muted);margin-top:3px}
.related-card>b{margin-left:auto;font-weight:400;color:var(--green);font-size:22px}
.guide-grid{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);gap:24px;align-items:start}
.content-card h2{font-size:24px;line-height:1.5;letter-spacing:-.6px;margin:6px 0 20px}
.section-kicker{font-size:15px;color:var(--green);font-weight:650;letter-spacing:.3px}
.content-card p{font-size:17px;line-height:1.95;color:var(--muted)}
.content-card h3{font-size:18px;font-weight:650;margin-bottom:9px}
.guide-step{margin-top:26px}
.content-card .source-citation{font-size:15px;line-height:1.8;margin-top:10px}
.source-citation a{color:var(--green);text-decoration:underline;text-underline-offset:3px}
.article-calculation{padding:18px 20px;background:var(--soft);border-left:3px solid var(--green);border-radius:0 8px 8px 0;margin:18px 0}
.article-calculation p+p{margin-top:8px}
.formula{padding:20px;border-radius:10px;background:var(--soft);border:1px solid var(--line);margin:24px 0}
.formula>strong{font-size:15px;color:var(--green);display:block;margin-bottom:6px}.formula p{color:#385c44;font-size:17px}
.sources{margin-top:28px;border-top:1px solid var(--line);padding-top:22px}
.sources p{font-size:15px}.sources ul{margin-top:12px}.sources li{margin:9px 0;font-size:16px;line-height:1.8}
.sources a{color:var(--green);text-decoration:underline;text-underline-offset:4px}.sources a:hover{text-decoration-thickness:2px}
.faq-card details{border-top:1px solid var(--line);padding:20px 0}.faq-card details:last-child{padding-bottom:0}
.faq-card summary{font-size:17px;font-weight:650;cursor:pointer;line-height:1.8}
.faq-card details p{margin-top:12px;font-size:16px}
.directory{margin:48px 0 56px;border-top:1px solid var(--line);padding-top:34px}.count{margin-left:6px;font-size:17px;color:var(--green);font-weight:650}
.directory-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px}
.directory-group h3{font-size:16px;color:var(--green);font-weight:650;margin-bottom:12px}
.directory-group a{display:flex;justify-content:space-between;gap:12px;min-height:44px;padding:10px 0;font-size:16px;color:var(--muted)}
.directory-group a span{color:#718c76}.directory-group a:hover,.directory-group a[aria-current]{color:var(--green);text-decoration:underline;text-underline-offset:4px}
.site-footer{border-top:1px solid var(--line);background:#fff;padding:36px 0 40px}
.footer-inner{display:flex;justify-content:space-between;gap:32px;align-items:flex-start}
.footer-brand{font-size:24px}.footer-brand .brand-symbol{width:36px;height:36px}

.site-footer small{display:block;font-size:15px;color:var(--muted);margin-top:14px}.site-footer small a{text-decoration:underline;text-underline-offset:4px}
.loan-breakdown{margin-top:24px}
.comparison-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-bottom:24px}
.comparison-item{padding:18px;background:var(--tint);border-radius:10px}
.comparison-item span{font-size:16px;color:var(--muted);display:block}
.comparison-item strong{font-size:22px;color:var(--green-dark);display:block;margin-top:6px;font-variant-numeric:tabular-nums}
.loan-breakdown summary{font-size:17px;cursor:pointer;color:var(--green);font-weight:650}
.table-scroll{overflow:auto;max-height:420px;margin-top:18px;border:1px solid var(--line);border-radius:9px;overscroll-behavior-x:contain}
table{width:100%;border-collapse:collapse;white-space:nowrap;text-align:right;font-size:16px}
caption{padding:14px;text-align:left;color:var(--muted);font-size:15px}
th,td{padding:13px 16px;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums}tbody tr:last-child>*{border-bottom:0}
thead{position:sticky;top:0;background:#edf3ed}td:first-child,th:first-child{text-align:center}
tbody tr:hover{background:var(--soft)}
.page-article{margin-top:28px}.page-article>h2{margin-top:0}.page-article h3{margin-top:26px}.page-article>p+p{margin-top:14px}
.page-article a{color:var(--green);text-decoration:underline;text-underline-offset:4px}
.page-article ol,.page-article .article-list{padding-left:22px;color:var(--muted);font-size:17px;line-height:1.95}
.page-article .article-list{list-style:disc}.page-article .table-scroll{max-height:none}
.page-article th[scope=row]{font-weight:550;background:var(--soft);text-align:left}
.page-article li{margin:8px 0}.page-article caption{font-size:15px;white-space:normal;line-height:1.8}.page-article thead{position:static}
.return-link{display:inline-block;padding:12px 0;margin-top:12px;color:var(--green);font-size:17px;text-decoration:underline;text-underline-offset:4px}
@media(min-width:1100px){.main-nav ul{justify-content:space-between;gap:15px}}
@media(max-width:1000px){.calculator-grid{grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:20px}.input-card,.result-card,.content-card{padding:24px}.result-card{padding-top:21px}.fields-grid{grid-template-columns:1fr}.result-value{font-size:37px}.related-card{padding:18px 14px;gap:10px}.guide-grid{gap:20px}.result-row{gap:12px}.card-heading h2{font-size:20px}.brand{font-size:26px}}
@media(max-width:760px){.db{padding:0 22px}.header-inner{min-height:84px}.main-nav ul{gap:24px}.main-nav a{padding:16px 0 13px}.page-hero h1{font-size:36px}.calculator-grid,.guide-grid{grid-template-columns:1fr;gap:20px}.fields-grid{grid-template-columns:1fr 1fr}.result-value{font-size:42px}.related-grid{grid-template-columns:1fr;gap:10px}.related-card{padding:17px 20px}.related-card small{margin-top:2px}.related-section{margin:20px 0 32px}.footer-inner{flex-direction:column;gap:24px}.section-heading>span{display:none}.directory-grid{gap:24px}.result-row dd{max-width:65%}}
@media(max-width:480px){.db{padding:0 18px}.header-inner{min-height:80px}.brand{font-size:26px;gap:10px}.brand-symbol{width:40px;height:40px}.page-hero{padding:26px 0}.page-hero h1{font-size:32px;letter-spacing:-1.2px}.input-card,.result-card,.content-card{padding:22px 18px;border-radius:14px}.result-card{padding-top:19px}.fields-grid{grid-template-columns:1fr;gap:22px}.input-hint{margin-bottom:24px}.result-value{font-size:38px}.result-label{margin-top:25px}.result-row{font-size:16px;gap:12px}.card-heading h2{font-size:20px;gap:8px}.step-number{min-width:28px;height:28px}.text-button{font-size:15px}.text-button span{display:none}.purchase-row,.purchase-labels{gap:9px;grid-template-columns:minmax(0,1fr) minmax(0,1fr) 44px}.purchase-row input{padding:10px}.purchase-labels{font-size:15px}.notice{padding:18px 0}.content-card h2{font-size:22px}.directory-grid{grid-template-columns:1fr 1fr;gap:26px}.directory{margin:36px 0 42px;padding-top:28px}.comparison-grid{grid-template-columns:1fr}.comparison-item{display:flex;justify-content:space-between;align-items:center}.comparison-item strong{margin:0;font-size:20px}.page-article .table-scroll{margin-left:-3px;margin-right:-3px}}
@media(max-width:360px){.db{padding:0 12px}.page-hero h1{font-size:29px}.result-value{font-size:34px}.card-heading{gap:6px}.status-badge{padding:3px 6px}.result-row{gap:8px}.directory-grid{gap:16px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
@media print{body{background:#fff;color:#000;font-size:16px}.site-header,.main-nav,.related-section,.directory,.copy-button,.copy-status,.site-footer,.calculate-button,.text-button,.add-button,.remove-purchase{display:none!important}.db{max-width:none;padding:0}.page-hero{padding:0 0 20px}.calculator-grid,.guide-grid{display:block}.input-card,.result-card,.content-card{break-inside:avoid;margin-bottom:18px;box-shadow:none}.result-value{font-size:34px}.table-scroll{overflow:visible;max-height:none}a{color:inherit}details>*,details:not([open])>*{display:block}}