:root{--background:#f4f3ef;--surface:#fff;--surface-muted:#f7f6f2;--text:#20231f;--muted:#62675f;--line:#dfddd5;--accent:#2f6f63;--accent-strong:#1f4f47;--accent-soft:#e7f0eb;--warn:#8a5a1f;--warn-bg:#fff8eb;--warn-line:#ead8b7;--shadow:0 14px 38px #20231f12}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--background);color:var(--text);font-family:var(--font-sans), "Apple SD Gothic Neo", "Malgun Gothic", system-ui, sans-serif;word-break:keep-all;margin:0;line-height:1.6}a{color:inherit;text-decoration:none}button,input,select{font:inherit}h1,h2,h3,p{margin:0}.topbar{-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);z-index:10;background:#f4f3efeb;border-bottom:1px solid #20231f14;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px 24px;padding:14px clamp(18px,4vw,56px);display:flex;position:sticky;top:0}.brand{gap:1px;display:grid}.brand strong{font-size:17px;font-weight:700}.brand span{color:var(--muted);font-size:12.5px}.nav{flex-wrap:wrap;gap:2px;display:flex}.nav a{color:var(--muted);border-radius:999px;padding:8px 12px;font-size:14px}.nav a:hover{color:var(--text);background:#ffffffd9}.app-shell{min-height:70vh}.hero{gap:12px;max-width:1210px;margin:0 auto;padding:40px clamp(18px,4vw,34px) 8px;display:grid}.hero h1{max-width:760px;font-size:clamp(28px,4vw,44px);line-height:1.18}.lead{color:var(--muted);max-width:720px;font-size:16.5px}.fine-print{color:var(--muted);font-size:13px}.workspace{grid-template-columns:minmax(0,1fr) 400px;align-items:start;gap:22px;max-width:1210px;margin:0 auto;padding:26px clamp(18px,4vw,34px) 30px;display:grid}.tool-panel,.result-panel,.content-band,.legal-page,.article{background:var(--surface);border:1px solid 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p{color:var(--muted);font-size:13.5px}.footer-bottom{color:var(--muted);max-width:1210px;margin:28px auto 0;font-size:13px}@media (max-width:980px){.workspace{grid-template-columns:1fr}.result-panel{position:static}.content-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.calculator-band-grid{grid-template-columns:1fr}.sub-row{grid-template-columns:repeat(2,minmax(0,1fr))}.row-remove{grid-column:1/-1}.footer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:640px){.form-grid,.check-grid,.content-grid,.content-grid.two,.insight-grid,.sub-row{grid-template-columns:1fr}.recommendation header,.budget-meter-head,.budget-meter-foot{flex-direction:column;align-items:start}.section-head{flex-direction:column;align-items:start;gap:8px}.footer-grid{grid-template-columns:1fr}}