:root{--tool-ink:#15202b;--tool-muted:#5d6875;--tool-line:#dce3e9;--tool-soft:#f3f6f8;--tool-red:#e7272d;--tool-blue:#1167d8}
*{box-sizing:border-box}.tabogo-tool-page{margin:0;color:var(--tool-ink);background:#f7f8fa;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI","Noto Sans KR",sans-serif}.site-header{background:#fff;border-bottom:1px solid var(--tool-line)}.inside-header{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:14px 20px}.site-logo img{display:block;width:210px;height:auto}.tool-nav{display:flex;flex-wrap:wrap;gap:22px}.tool-nav a{color:#20262c;font-weight:700;text-decoration:none}.tool-shell{max-width:1180px;margin:auto;padding:28px 20px 70px}.tool-breadcrumb{display:flex;gap:8px;color:var(--tool-muted);font-size:14px}.tool-breadcrumb a{color:inherit}.tool-hero{max-width:780px;padding:44px 0 30px}.tool-eyebrow{margin:0;color:var(--tool-red);font-weight:800}.tool-hero h1{margin:8px 0 14px;font-size:clamp(34px,5vw,56px);line-height:1.12}.tool-hero>p:last-child{font-size:19px;line-height:1.75;color:#46515d}.calculator-layout{display:grid;grid-template-columns:minmax(0,1.55fr) minmax(300px,.75fr);gap:24px;align-items:start}.calculator-card,.result-card,.guide-section,.next-step,.partner-notice{background:#fff;border:1px solid var(--tool-line);border-radius:18px;box-shadow:0 10px 30px rgba(22,34,47,.05)}.calculator-card{padding:28px}.calculator-heading{display:flex;align-items:center;justify-content:space-between}.calculator-heading h2{margin:0}.reset-button{border:0;background:none;color:var(--tool-muted);text-decoration:underline;cursor:pointer}fieldset{border:0;border-top:1px solid var(--tool-line);margin:24px 0 0;padding:22px 0 0}legend{padding-right:12px;font-weight:800}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.field-grid label{font-size:14px;font-weight:700}.field-grid label span{display:flex;align-items:center;gap:8px;margin-top:7px;color:var(--tool-muted);font-weight:500}.field-grid input{min-width:0;width:100%;border:1px solid #bfc9d3;border-radius:10px;padding:12px 11px;font:inherit;color:var(--tool-ink);background:#fff}.field-grid input:focus{outline:3px solid rgba(17,103,216,.18);border-color:var(--tool-blue)}.calculate-button{width:100%;border:0;border-radius:12px;padding:15px;background:var(--tool-blue);color:#fff;font-size:17px;font-weight:800;cursor:pointer}.calculate-button:hover{background:#0d54b3}.result-card{position:sticky;top:24px;padding:30px;background:#15202b;color:#fff}.result-label{margin:0;color:#b9c5d0}.result-total{margin:8px 0 24px;font-size:39px;font-weight:900;letter-spacing:-1px}.result-card dl{margin:0}.result-card dl div{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.14)}.result-card dt{color:#c8d1da}.result-card dd{margin:0;font-weight:800}.result-card .annual-row{margin-top:8px;border-bottom:0}.result-note,.privacy-note{font-size:13px;line-height:1.65;color:#b9c5d0}.guide-section,.next-step,.partner-notice{margin-top:26px;padding:30px}.guide-section h2,.next-step h2,.partner-notice h2{margin-top:0}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.guide-grid article{padding:20px;border-radius:13px;background:var(--tool-soft)}.guide-grid h3{margin:0 0 8px;font-size:18px}.guide-grid p,.next-step p,.partner-notice p{line-height:1.7;color:#53606d}.link-list{display:flex;flex-wrap:wrap;gap:10px}.link-list a{display:inline-flex;padding:11px 14px;border-radius:10px;background:#eef5ff;color:#0d55aa;font-weight:800;text-decoration:none}.partner-notice{border-left:5px solid var(--tool-red)}.tool-footer{padding:28px 20px;background:#15202b;color:#c6d0d9;text-align:center}.tool-footer div{display:flex;justify-content:center;gap:18px}.tool-footer a{color:#fff}.tool-footer p{font-size:13px}.screen-reader-text:focus{position:fixed!important;top:8px;left:8px;width:auto;height:auto;clip:auto;background:#fff;color:#000;padding:10px;z-index:9999}
@media(max-width:820px){.inside-header{align-items:flex-start;flex-direction:column}.tool-nav{gap:10px 16px;font-size:14px}.calculator-layout{grid-template-columns:1fr}.result-card{position:static}.guide-grid{grid-template-columns:1fr}.tool-hero{padding-top:30px}}
@media(max-width:560px){.site-logo img{width:180px}.tool-nav a:nth-child(-n+3){display:none}.tool-shell{padding:20px 14px 50px}.calculator-card,.result-card,.guide-section,.next-step,.partner-notice{border-radius:13px;padding:20px}.field-grid{grid-template-columns:1fr}.result-total{font-size:34px}.tool-hero>p:last-child{font-size:17px}.tool-footer div{flex-wrap:wrap}}