/* =========================================================
   머니셈 디자인 시스템
   - 타깃: 40·50대 구매력 사용자 → 높은 가독성(본문 17px+), 넉넉한 간격
   - 톤: 금융 신뢰감(네이비/블루), 깔끔/차분
   ========================================================= */
:root{
  --navy:#16365c;        /* 헤더/브랜드 */
  --navy-700:#1f4a7a;
  --blue:#2563eb;        /* 액션/링크 */
  --blue-600:#1d4ed8;
  --blue-50:#eff5ff;
  --green:#0f9d6b;       /* 결과 강조(긍정) */
  --amber:#b7791f;       /* 주의/면책 */
  --ink:#1a2230;         /* 본문 */
  --ink-soft:#48566a;    /* 보조 텍스트 */
  --line:#e4e9f0;
  --bg:#f6f8fb;
  --card:#ffffff;
  --radius:14px;
  --radius-sm:10px;
  --shadow:0 1px 3px rgba(16,40,80,.06),0 8px 24px rgba(16,40,80,.06);
  --shadow-sm:0 1px 2px rgba(16,40,80,.08);
  --maxw:1080px;
  --font:'Noto Sans KR',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,'Malgun Gothic',sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);
  font-size:17px;line-height:1.7;letter-spacing:-.01em;
  text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{line-height:1.32;color:var(--navy);font-weight:700;margin:0 0 .6em}
h1{font-size:2rem;font-weight:900;letter-spacing:-.02em}
h2{font-size:1.5rem;margin-top:1.6em}
h3{font-size:1.2rem;margin-top:1.4em}
p{margin:0 0 1em}
a{color:var(--blue-600);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}
strong{font-weight:700}
.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 20px}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:200}
.skip-link:focus{left:8px;top:8px;border-radius:8px}
:focus-visible{outline:3px solid var(--blue);outline-offset:2px}

/* ---------- 헤더 / 내비 ---------- */
.site-header{position:sticky;top:0;z-index:100;background:var(--navy);color:#fff;box-shadow:0 2px 10px rgba(8,24,52,.18)}
.header-inner{display:flex;align-items:center;gap:18px;height:64px}
.brand{display:flex;align-items:center;gap:9px;color:#fff;font-weight:900;font-size:1.22rem;letter-spacing:-.02em}
.brand:hover{text-decoration:none;opacity:.95}
.brand-mark{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:9px;background:linear-gradient(135deg,#2f6fc4,#1f4a7a);font-weight:900;font-size:1.15rem;box-shadow:inset 0 0 0 1px rgba(255,255,255,.18)}
.primary-nav{display:flex;align-items:center;gap:4px;margin-left:auto}
.nav-group{position:relative}
.nav-group-btn,.nav-cta{font:inherit;font-weight:700;font-size:.98rem;color:#dfe9f7;background:none;border:0;cursor:pointer;padding:10px 14px;border-radius:9px;display:inline-flex;align-items:center;gap:5px}
.nav-group-btn:hover,.nav-cta:hover{background:rgba(255,255,255,.1);color:#fff;text-decoration:none}
.nav-cta{background:var(--blue);color:#fff;margin-left:6px}
.nav-cta:hover{background:var(--blue-600)}
.caret{font-size:.7em;opacity:.85;transition:transform .2s}
.nav-group-btn[aria-expanded="true"] .caret{transform:rotate(180deg)}
.nav-dropdown{position:absolute;top:calc(100% + 8px);left:0;min-width:230px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:8px;display:none;flex-direction:column}
.nav-dropdown a{color:var(--ink);padding:11px 14px;border-radius:8px;font-weight:500;font-size:.98rem}
.nav-dropdown a:hover{background:var(--blue-50);color:var(--blue-600);text-decoration:none}
.nav-group.open .nav-dropdown{display:flex}
.nav-toggle{display:none;flex-direction:column;justify-content:center;gap:5px;width:44px;height:44px;margin-left:auto;background:none;border:0;cursor:pointer;padding:10px}
.nav-toggle span{display:block;height:2.5px;background:#fff;border-radius:2px;transition:.25s}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}

/* ---------- 브레드크럼 ---------- */
.breadcrumb{padding-top:18px}
.breadcrumb ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:0;font-size:.9rem;color:var(--ink-soft)}
.breadcrumb li::after{content:"›";margin-left:8px;color:#aab4c2}
.breadcrumb li:last-child::after{content:""}
.breadcrumb a{color:var(--ink-soft)}

/* ---------- 히어로 / 홈 ---------- */
.hero{background:linear-gradient(160deg,#16365c 0%,#1f4a7a 55%,#2f6fc4 130%);color:#fff;padding:54px 0 64px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-80px;top:-80px;width:320px;height:320px;background:radial-gradient(circle,rgba(255,255,255,.12),transparent 70%)}
.hero h1{color:#fff;font-size:2.35rem;max-width:18ch}
.hero p{color:#d7e4f6;font-size:1.16rem;max-width:46ch;margin-bottom:0}
.hero-search{margin-top:26px;display:flex;gap:8px;max-width:520px}
.hero-search input{flex:1;border:0;border-radius:11px;padding:15px 16px;font-size:1.02rem;font-family:inherit}
.hero-search button{border:0;border-radius:11px;background:var(--blue);color:#fff;font-weight:700;font-size:1.02rem;padding:0 22px;cursor:pointer}
.hero-search button:hover{background:var(--blue-600)}

/* ---------- 계산기 그리드 ---------- */
.calc-section{margin-top:38px}
.calc-group-title{font-size:1.28rem;display:flex;align-items:center;gap:10px;margin-bottom:14px}
.calc-group-title::before{content:"";width:5px;height:22px;background:var(--blue);border-radius:3px}
.calc-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:14px}
.calc-card{display:flex;align-items:center;gap:14px;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow-sm);transition:transform .15s,box-shadow .15s,border-color .15s}
.calc-card:hover{text-decoration:none;transform:translateY(-2px);box-shadow:var(--shadow);border-color:#c3d4ea}
.calc-icon{font-size:1.7rem;width:50px;height:50px;display:grid;place-items:center;background:var(--blue-50);border-radius:12px;flex-shrink:0}
.calc-card-body{display:flex;flex-direction:column;gap:3px;min-width:0}
.calc-card-body strong{color:var(--navy);font-size:1.06rem}
.calc-desc{color:var(--ink-soft);font-size:.9rem;line-height:1.5}
.calc-arrow{margin-left:auto;color:#9fb0c6;font-size:1.1rem;flex-shrink:0}
.calc-card:hover .calc-arrow{color:var(--blue)}

/* ---------- 본문 콘텐츠 래퍼 ---------- */
.page{padding:8px 0 64px}
.page-head{margin:14px 0 24px}
.page-head h1{margin-bottom:.35em}
.lead{font-size:1.12rem;color:var(--ink-soft);max-width:62ch}
.content{max-width:760px}
.content ul,.content ol{padding-left:1.3em;margin:0 0 1.2em}
.content li{margin-bottom:.4em}
.content section{margin-top:8px}

/* 계산기 + 사이드 레이아웃 */
.calc-layout{display:grid;grid-template-columns:minmax(0,1fr);gap:28px;align-items:start}
@media(min-width:920px){.calc-layout.has-aside{grid-template-columns:minmax(0,1fr) 300px}}

/* ---------- 계산기 폼/카드 ---------- */
.tool{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px;margin:0 0 26px}
.tool h2{margin-top:0}
.field{margin-bottom:16px}
.field>label{display:block;font-weight:700;color:var(--navy);margin-bottom:7px;font-size:.98rem}
.field .hint{font-weight:400;color:var(--ink-soft);font-size:.85rem;margin-left:6px}
.input-wrap{position:relative;display:flex;align-items:center}
.input-wrap .suffix{position:absolute;right:14px;color:var(--ink-soft);font-size:.95rem;pointer-events:none}
input[type=number],input[type=text],select{width:100%;font-family:inherit;font-size:1.06rem;padding:13px 14px;border:1.5px solid #d4dce8;border-radius:var(--radius-sm);background:#fff;color:var(--ink);transition:border-color .15s,box-shadow .15s}
input[type=number]{padding-right:46px}
input:focus,select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(37,99,235,.15)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:520px){.row{grid-template-columns:1fr}}
.seg{display:flex;flex-wrap:wrap;gap:8px}
.seg label{flex:1;min-width:90px;position:relative}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg span{display:block;text-align:center;padding:11px 8px;border:1.5px solid #d4dce8;border-radius:var(--radius-sm);cursor:pointer;font-weight:500;font-size:.95rem;background:#fff;transition:.12s}
.seg input:checked+span{background:var(--blue-50);border-color:var(--blue);color:var(--blue-600);font-weight:700}
.seg input:focus-visible+span{outline:3px solid var(--blue);outline-offset:2px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:inherit;font-weight:700;font-size:1.06rem;padding:14px 20px;border-radius:var(--radius-sm);border:0;cursor:pointer;transition:.15s}
.btn-primary{background:var(--blue);color:#fff;width:100%}
.btn-primary:hover{background:var(--blue-600)}
.btn-ghost{background:#eef2f8;color:var(--navy)}
.btn-ghost:hover{background:#e2e8f2}
.btn-row{display:flex;gap:10px;margin-top:4px}

/* ---------- 결과 박스 ---------- */
.result{margin-top:22px;border:1.5px solid #cfe3d8;background:linear-gradient(180deg,#f1faf5,#ffffff);border-radius:var(--radius);padding:22px;display:none}
.result.show{display:block;animation:pop .25s ease}
@keyframes pop{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.result .result-main{font-size:.95rem;color:var(--ink-soft);margin-bottom:4px}
.result .result-amount{font-size:2.1rem;font-weight:900;color:var(--green);letter-spacing:-.02em;line-height:1.2}
.result .result-amount small{font-size:1rem;color:var(--ink-soft);font-weight:500}
.result-table{width:100%;border-collapse:collapse;margin-top:16px;font-size:.97rem}
.result-table th,.result-table td{padding:11px 6px;border-bottom:1px solid var(--line);text-align:right}
.result-table th{text-align:left;color:var(--ink-soft);font-weight:500}
.result-table tr:last-child td,.result-table tr:last-child th{border-bottom:0;font-weight:700;color:var(--navy)}
.result-note{font-size:.85rem;color:var(--ink-soft);margin-top:12px}

/* ---------- 알림/면책 박스 ---------- */
.callout{border:1px solid var(--line);border-left:4px solid var(--blue);background:#fff;border-radius:10px;padding:14px 16px;margin:18px 0;font-size:.96rem}
.callout.warn{border-left-color:var(--amber);background:#fffaf0}
.callout.warn strong{color:var(--amber)}
.callout-title{font-weight:700;color:var(--navy);margin-bottom:4px;display:block}

/* ---------- 광고 슬롯(승인 후 채움) ---------- */
.ad-slot{margin:26px 0;min-height:90px;display:flex;align-items:center;justify-content:center;color:#aab4c2;font-size:.82rem;border:1px dashed #d3dbe6;border-radius:10px;background:#fafbfd}
.ad-slot[data-filled="1"]{border:0;background:none;min-height:0}
/* AdSense 미설정(승인 전) 시 빈 광고자리 숨김 — body.ads-off */
.ads-off .ad-slot{display:none}

/* ---------- FAQ ---------- */
.faq{margin-top:10px}
.faq details{border:1px solid var(--line);border-radius:12px;background:#fff;margin-bottom:10px;overflow:hidden}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:16px 18px;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:10px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;color:var(--blue);font-weight:400;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details[open] summary{border-bottom:1px solid var(--line)}
.faq .faq-body{padding:14px 18px 18px;color:var(--ink);font-size:.98rem}
.faq .faq-body p:last-child{margin-bottom:0}

/* ---------- 관련 계산기 / 카드 리스트 ---------- */
.related{margin-top:30px}
.related h2{font-size:1.2rem}
.related-list{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:12px}
.related-list a{display:block;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px;color:var(--navy);font-weight:700;box-shadow:var(--shadow-sm)}
.related-list a:hover{text-decoration:none;border-color:#c3d4ea;background:var(--blue-50)}
.related-list a span{display:block;font-weight:400;color:var(--ink-soft);font-size:.85rem;margin-top:3px}

/* ---------- 가이드 목록 ---------- */
.guide-list{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:16px;margin-top:18px}
.guide-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow-sm)}
.guide-card h3{margin:0 0 .4em}
.guide-card h3 a{color:var(--navy)}
.guide-card p{color:var(--ink-soft);font-size:.95rem;margin:0}
.tag{display:inline-block;font-size:.78rem;font-weight:700;color:var(--blue-600);background:var(--blue-50);padding:3px 9px;border-radius:999px;margin-bottom:10px}

/* 표(가이드 본문) */
.content table{width:100%;border-collapse:collapse;margin:14px 0 22px;font-size:.95rem}
.content th,.content td{border:1px solid var(--line);padding:10px 12px;text-align:left}
.content thead th{background:var(--blue-50);color:var(--navy)}
.content tbody tr:nth-child(even){background:#fafbfd}

/* ---------- 푸터 ---------- */
.site-footer{background:#0f2540;color:#c4d2e4;margin-top:40px;padding:44px 0 22px;font-size:.94rem}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:30px}
.footer-brand .brand-mark{width:30px;height:30px;font-size:1rem;margin-bottom:8px}
.footer-brand strong{color:#fff;font-size:1.1rem;display:block;margin-bottom:6px}
.footer-tagline{color:#9fb3cc;margin-bottom:12px}
.footer-disclaimer{font-size:.82rem;color:#8499b4;line-height:1.6}
.footer-nav h2{font-size:.95rem;color:#fff;margin:0 0 12px;text-transform:none}
.footer-nav ul{list-style:none;margin:0;padding:0}
.footer-nav li{margin-bottom:9px}
.footer-nav a{color:#c4d2e4}
.footer-nav a:hover{color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:28px;padding-top:18px;color:#8499b4;font-size:.85rem}

/* ---------- 반응형 ---------- */
@media(max-width:860px){
  .nav-toggle{display:flex}
  .primary-nav{position:fixed;inset:64px 0 auto 0;background:var(--navy);flex-direction:column;align-items:stretch;gap:0;padding:8px 14px 18px;margin:0;max-height:calc(100vh - 64px);overflow:auto;display:none;border-top:1px solid rgba(255,255,255,.12)}
  .primary-nav.open{display:flex}
  .nav-group{width:100%}
  .nav-group-btn{width:100%;justify-content:space-between;padding:14px 10px;font-size:1.05rem}
  .nav-dropdown{position:static;display:none;box-shadow:none;border:0;background:rgba(255,255,255,.06);margin:2px 0 6px;padding:4px}
  .nav-dropdown a{color:#dfe9f7}
  .nav-dropdown a:hover{background:rgba(255,255,255,.1);color:#fff}
  .nav-group.open .nav-dropdown{display:flex}
  .nav-cta{margin:8px 0 0;text-align:center;padding:14px}
  .footer-grid{grid-template-columns:1fr;gap:24px}
  .hero h1{font-size:1.9rem}
  h1{font-size:1.7rem}
}
@media(max-width:520px){
  body{font-size:16.5px}
  .container{padding:0 16px}
  .tool{padding:18px}
  .result .result-amount{font-size:1.7rem}
}