:root{--lightningcss-light:initial;--lightningcss-dark: ;color-scheme:light;--bg:#fdf7f5;--paper:#fffcfb;--ink:#241a1e;--mute:#7a6a6e;--line:#ebdcd9;--line-strong:#d9c4c0;--rose:#c86a82;--rose-soft:#f7e6ea;--rose-tint:#fbeff2;--plum:#6b2d4a;--plum-soft:#efe1e8;--sage:#7e9184;--sage-soft:#e6ece7;--honey:#e0a944;--honey-soft:#fbf1dc;--mom:#a8446b;--mom-soft:#f7e3ea;--dad:#4a6f86;--dad-soft:#e2edf2;--good:#4a7d63;--bad:#b4543e;--radius:12px;--radius-sm:8px;--sans:"Nanum Gothic", "Apple SD Gothic Neo", "Malgun Gothic", system-ui, sans-serif;--display:var(--sans);--page:46rem;--page-wide:64rem;--gutter:1.5rem}@media (min-width:48rem){:root{--gutter:2rem}}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{transition-duration:.01ms!important;animation-duration:.01ms!important}}body{background:var(--bg);color:var(--ink);font-family:var(--sans);letter-spacing:-.008em;-webkit-font-smoothing:antialiased;text-rendering:optimizelegibility;margin:0;font-size:17px;line-height:1.75}body:before{content:"";z-index:-1;pointer-events:none;background-image:radial-gradient(60rem 40rem at 12% -10%,#c86a8217,#0000 60%),radial-gradient(50rem 36rem at 92% 4%,#7e918412,#0000 55%);position:fixed;inset:0}h1,h2,h3,h4{font-family:var(--display);letter-spacing:-.025em;word-break:keep-all;margin:0;font-weight:800;line-height:1.38}h1{font-size:clamp(1.75rem,1.2rem + 2.4vw,2.6rem);line-height:1.28}h2{font-size:clamp(1.3rem,1.1rem + 1vw,1.6rem)}h3{font-size:1.15rem}p{margin:0 0 1.1em}:where(p,li){word-break:keep-all;overflow-wrap:anywhere}a{color:var(--plum);text-underline-offset:3px;text-decoration-thickness:1px}a:hover{color:var(--rose)}img{max-width:100%;height:auto}hr{border:0;border-top:1px solid var(--line);margin:2.5rem 0}:focus-visible{outline:2.5px solid var(--honey);outline-offset:2px;border-radius:4px}.num{font-variant-numeric:tabular-nums}.sr-only{clip:rect(0 0 0 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.shell{flex-direction:column;min-height:100dvh;display:flex}.wrap{width:100%;max-width:var(--page);padding:0 var(--gutter);margin:0 auto}.wrap-wide{width:100%;max-width:var(--page-wide);padding:0 var(--gutter);margin:0 auto}main{flex:1;padding-bottom:5rem}.site-head{border-bottom:1px solid var(--line);-webkit-backdrop-filter:saturate(1.4)blur(8px);backdrop-filter:saturate(1.4)blur(8px);z-index:40;background:#fdf7f5e0;position:sticky;top:0}.site-head .bar{align-items:center;gap:1.5rem;height:4rem;display:flex}.brand{font-family:var(--display);color:var(--ink);letter-spacing:-.02em;align-items:center;gap:.55rem;margin-right:auto;font-size:1.22rem;font-weight:800;text-decoration:none;display:inline-flex}.brand:hover{color:var(--ink)}.brand .mark{flex:none;width:30px;height:30px;display:block}.brand .dot{color:var(--rose)}.nav{gap:1.35rem;font-size:.94rem;display:flex}.nav a{color:var(--mute);border-bottom:2px solid #0000;padding:.25rem 0;text-decoration:none}.nav a:hover{color:var(--ink)}.nav a[data-active=true]{color:var(--ink);border-bottom-color:var(--rose);font-weight:600}@media (max-width:34rem){.site-head .bar{flex-wrap:wrap;gap:.5rem 1rem;height:auto;padding-block:.75rem}.brand{font-size:1.1rem}.nav{gap:1.15rem;width:100%;font-size:.9rem}}.site-foot{border-top:1px solid var(--line);color:var(--mute);background:var(--rose-tint);padding:2.5rem 0 3.5rem;font-size:.875rem}.site-foot a{color:var(--mute)}.site-foot .cols{flex-wrap:wrap;align-items:flex-start;gap:1.5rem 3rem;display:flex}.site-foot .cols>div{min-width:9rem}.site-foot strong{color:var(--ink);letter-spacing:.04em;margin-bottom:.55rem;font-size:.8rem;display:block}.site-foot ul{gap:.35rem;margin:0;padding:0;list-style:none;display:grid}.eyebrow{letter-spacing:.09em;text-transform:uppercase;color:var(--rose);font-size:.78rem;font-weight:700}.lede{color:var(--mute);font-size:1.05rem}.muted{color:var(--mute)}.small{font-size:.875rem}.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:1.4rem 1.35rem}@media (max-width:26rem){.card{padding:1.15rem 1rem}}.btn{border:1.5px solid var(--ink);background:var(--ink);color:var(--bg);font:inherit;cursor:pointer;border-radius:999px;justify-content:center;align-items:center;gap:.4rem;padding:.7rem 1.15rem;font-size:.95rem;font-weight:600;text-decoration:none;transition:transform .12s,background .12s;display:inline-flex}.btn:hover{color:var(--bg);background:var(--plum);border-color:var(--plum);transform:translateY(-1px)}.btn.ghost{color:var(--ink);border-color:var(--line-strong);background:0 0}.btn.ghost:hover{background:var(--rose-soft);color:var(--plum);border-color:var(--rose)}.btn.rose{background:var(--rose);border-color:var(--rose);color:#fff}.btn.rose:hover{background:var(--plum);border-color:var(--plum)}.btn.block{width:100%}.btn[disabled]{opacity:.5;cursor:not-allowed;transform:none}.pill{letter-spacing:.02em;background:var(--honey-soft);color:#8a6512;border-radius:999px;padding:.18rem .55rem;font-size:.74rem;font-weight:700;display:inline-block}.pill.sage{background:var(--sage-soft);color:#40584a}.pill.rose{background:var(--rose-soft);color:var(--plum)}.squiggle{background-image:linear-gradient(transparent 62%, var(--rose-soft) 62%, var(--rose-soft) 92%, transparent 92%);padding:0 .1em}.post-list{gap:0;margin:0;padding:0;list-style:none;display:grid}.post-list li{border-bottom:1px solid var(--line)}.post-list li:first-child{border-top:1px solid var(--line)}.post-item{color:inherit;padding:1.5rem 0;text-decoration:none;display:block}.post-item:hover{color:inherit}.post-item:hover h2{color:var(--plum)}.post-item h2{margin-bottom:.4rem;font-size:1.28rem;transition:color .12s}.post-item p{color:var(--mute);margin:0 0 .55rem;font-size:.95rem}.post-meta{color:var(--mute);flex-wrap:wrap;align-items:center;gap:.6rem;font-size:.82rem;display:flex}.post-meta .sep{color:var(--line-strong)}.prose{font-size:1.05rem;line-height:1.85}.prose h2{margin:2.6rem 0 .85rem;font-size:1.45rem}.prose h3{margin:2rem 0 .7rem;font-size:1.18rem}.prose>h2:first-child,.prose>h3:first-child{margin-top:0}.prose ul,.prose ol{margin:0 0 1.2em;padding-left:1.35rem}.prose li{margin-bottom:.4em}.prose li::marker{color:var(--rose)}.prose blockquote{border-left:3px solid var(--rose);color:var(--mute);margin:1.6rem 0;padding:.1rem 0 .1rem 1.25rem;font-size:1.03rem}.prose blockquote p:last-child{margin-bottom:0}.prose img{border-radius:var(--radius);border:1px solid var(--line);margin:1.8rem 0;display:block}.prose code{background:var(--rose-tint);border:1px solid var(--line);border-radius:5px;padding:.1em .4em;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:.88em}.prose pre{color:#f3e8ea;border-radius:var(--radius);background:#2b2126;padding:1rem 1.15rem;font-size:.88rem;line-height:1.6;overflow-x:auto}.prose pre code{color:inherit;background:0 0;border:0;padding:0}.prose table{border-collapse:collapse;width:100%;margin:1.5rem 0;font-size:.95rem}.prose th,.prose td{border-bottom:1px solid var(--line);text-align:left;padding:.6rem .7rem}.prose th{background:var(--rose-tint);font-size:.88rem;font-weight:600}.table-scroll{overflow-x:auto}.field{margin-bottom:1rem}.lbl{margin-bottom:.4rem;font-size:.88rem;font-weight:600;display:block}input[type=text],input[type=password],input[type=date],input[type=number],input[type=email],input[type=url],select,textarea{border:1.5px solid var(--line-strong);border-radius:var(--radius-sm);background:var(--paper);width:100%;color:var(--ink);font:inherit;padding:.7rem .8rem;font-size:1rem}textarea{resize:vertical;line-height:1.65}input:focus-visible,select:focus-visible,textarea:focus-visible{border-color:var(--rose)}.hint{color:var(--mute);margin-top:.35rem;font-size:.8rem;line-height:1.5}.err{color:var(--bad);border-radius:var(--radius-sm);background:#fbeeea;border:1px solid #f0d3ca;padding:.6rem .75rem;font-size:.9rem}.ok{color:var(--good);background:var(--sage-soft);border-radius:var(--radius-sm);border:1px solid #cddcd1;padding:.6rem .75rem;font-size:.9rem}.calc-form{background:var(--paper);border:1px solid var(--line-strong);border-radius:var(--radius);padding:1.4rem 1.25rem 1.25rem}@media (max-width:26rem){.calc-form{padding:1.15rem 1rem 1rem}}.calc-form fieldset{border:0;margin:0 0 1.15rem;padding:0}.calc-form legend{margin-bottom:.5rem;padding:0;font-size:.88rem;font-weight:700;display:block}.calc-seg{grid-template-columns:1fr 1fr;gap:.5rem;display:grid}.calc-seg label{display:block}.calc-seg input{opacity:0;pointer-events:none;position:absolute}.calc-seg span{text-align:center;border:1.5px solid var(--line-strong);border-radius:var(--radius-sm);background:var(--paper);cursor:pointer;padding:.7rem .5rem;font-size:.95rem;transition:background .12s,border-color .12s;display:block}.calc-seg span:hover{border-color:var(--rose)}.calc-seg input:focus-visible+span{outline:2.5px solid var(--honey);outline-offset:2px}.calc-seg input:checked+span{background:var(--ink);border-color:var(--ink);color:var(--bg);font-weight:700}.calc-seg small{opacity:.78;margin-top:.15rem;font-size:.75rem;font-weight:400;display:block}.calc-seg.three{grid-template-columns:repeat(3,1fr)}@media (max-width:26rem){.calc-seg.three{grid-template-columns:1fr 1fr}}.calc-row{grid-template-columns:1fr 1fr;gap:.75rem;display:grid}@media (max-width:30rem){.calc-row{grid-template-columns:1fr}}.calc-unit{position:relative}.calc-unit input{padding-right:3.4rem}.calc-unit em{color:var(--mute);pointer-events:none;font-size:.88rem;font-style:normal;position:absolute;top:50%;right:.75rem;transform:translateY(-50%)}.calc-adv{border-top:1px dashed var(--line-strong);margin:.3rem 0 1rem;padding-top:.9rem}.calc-adv summary{cursor:pointer;color:var(--mute);font-size:.88rem}.calc-adv .calc-row{margin-top:.9rem}.calc-out{margin-top:2rem}@media (prefers-reduced-motion:no-preference){.calc-out{animation:.35s ease-out calc-rise}@keyframes calc-rise{0%{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}}.calc-verdict{background:linear-gradient(160deg, var(--rose-soft), var(--honey-soft) 130%);border-radius:var(--radius);border:1px solid #e6cdd4;padding:1.4rem 1.3rem}.calc-verdict h2{margin:0 0 .5rem;font-size:1.3rem}.calc-verdict p{margin:0;font-size:.97rem;line-height:1.8}.calc-verdict strong{color:var(--plum)}.calc-kpis{grid-template-columns:repeat(3,1fr);gap:.6rem;margin-top:1.1rem;display:grid}.calc-kpis.two{grid-template-columns:repeat(2,1fr)}.calc-kpi{border-radius:var(--radius-sm);background:#ffffffb8;padding:.7rem .75rem}.calc-kpi b{letter-spacing:-.02em;font-size:1.25rem;font-weight:800;display:block}.calc-kpi small{color:var(--mute);font-size:.76rem;line-height:1.35;display:block}@media (max-width:28rem){.calc-kpis,.calc-kpis.two{grid-template-columns:1fr}.calc-kpi b{font-size:1.1rem}}.calc-section{margin-top:2rem}.calc-section h3{margin:0 0 .5rem;font-size:1.15rem}.calc-sub{color:var(--mute);margin:0 0 .8rem;font-size:.87rem;line-height:1.6}.calc-dates{border:1px solid var(--line);border-radius:var(--radius);background:var(--paper);margin:0;padding:0;list-style:none;overflow:hidden}.calc-dates li{border-bottom:1px solid var(--line);grid-template-columns:7px 1fr;gap:.8rem;padding:.8rem .9rem;display:grid}.calc-dates li:last-child{border-bottom:0}.calc-dates li>i{background:var(--line-strong);border-radius:4px;margin:.25rem 0;display:block}.calc-dates li[data-c=m]>i{background:var(--mom)}.calc-dates li[data-c=d]>i{background:var(--dad)}.calc-dates li[data-c=w]>i{background:var(--honey)}.calc-dates li[data-c=s]>i{background:var(--sage)}.calc-dates li[data-c=past]{opacity:.5}.calc-dates strong{font-size:.95rem;display:block}.calc-dates span{color:var(--mute);font-size:.85rem;line-height:1.5}.calc-dates .when{color:var(--plum);font-variant-numeric:tabular-nums;margin-top:.15rem;font-size:.8rem;font-weight:700;display:block}.calc-sched{background:#ffffffb3;border-color:#e6cdd4;margin-top:.9rem}.calc-sched b{color:var(--plum);font-weight:700}.calc-table-wrap{overflow-x:auto}.calc-table{border-collapse:collapse;background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);width:100%;font-size:.87rem;overflow:hidden}.calc-table th,.calc-table td{text-align:left;border-top:1px solid var(--line);padding:.65rem .6rem}.calc-table thead th{background:var(--rose-tint);color:var(--mute);border-top:0;font-size:.76rem;font-weight:700}.calc-table td.n,.calc-table th.n{text-align:right;font-variant-numeric:tabular-nums}.calc-table tfoot td{background:var(--rose-tint);font-weight:700}.calc-table tr.hi td{background:var(--honey-soft)}.calc-legend{color:var(--mute);flex-wrap:wrap;gap:.4rem 1rem;margin-top:.7rem;font-size:.78rem;display:flex}.calc-legend i{vertical-align:-1px;border-radius:3px;width:11px;height:11px;margin-right:.3rem;display:inline-block}.calc-notes{color:var(--mute);border-top:1px solid var(--line);margin-top:2.5rem;padding-top:1rem;font-size:.84rem;line-height:1.7}.calc-notes strong{color:var(--ink)}.calc-notes ul{margin:.5rem 0;padding-left:1.1rem}.calc-notes li{margin-bottom:.35rem}.calc-notes a{color:var(--mute)}.cat-nav{border-bottom:1px solid var(--line);flex-wrap:wrap;gap:.4rem;margin:0 0 1.6rem;padding-bottom:.9rem;display:flex}.cat-nav a{color:var(--mute);border:1.5px solid var(--line);background:0 0;border-radius:999px;align-items:center;gap:.3rem;padding:.4rem .85rem;font-size:.9rem;font-weight:700;text-decoration:none;transition:background .12s,color .12s,border-color .12s;display:inline-flex}.cat-nav a:hover{color:var(--plum);border-color:var(--rose);background:var(--rose-tint)}.cat-nav a[data-active=true]{background:var(--rose);border-color:var(--rose);color:#fff}.cat-nav a em{opacity:.7;font-variant-numeric:tabular-nums;font-size:.74rem;font-style:normal;font-weight:700}.policy-meta{background:var(--sage-soft);border-radius:var(--radius);border:1px solid #cddcd1;flex-wrap:wrap;align-items:center;gap:.5rem .9rem;margin-bottom:1.6rem;padding:.75rem .95rem;font-size:.85rem;display:flex}.policy-meta b{color:#365244;font-weight:700}.policy-meta span{color:#4c6656}.policy-meta .spacer{margin-left:auto}.cat-block{margin-bottom:2.6rem}.cat-block-head{align-items:baseline;gap:.8rem;margin-bottom:.2rem;display:flex}.cat-block-head h2{font-size:1.3rem}.cat-block-head a{white-space:nowrap;margin-left:auto;font-size:.85rem;text-decoration:none}.cat-block-head a:hover{text-decoration:underline}.cat-block>p.blurb{color:var(--mute);margin:0 0 .4rem;font-size:.9rem}.empty-box{border:1px dashed var(--line-strong);border-radius:var(--radius);text-align:center;color:var(--mute);padding:2.2rem 1.5rem}.empty-box p{margin:.8rem 0 0}
