/* Semmadang product platform refresh: editorial navigation, high-contrast calculator workspace. */
:root{--ink:#202a24;--green:#20392f;--lime:#b29361;--cream:#f7f5ef;--line:#e6e0d5;--surface:#fffdf9;--muted:#596775;--accent:#b29361;--focus:#997a49}
*{box-sizing:border-box}
html{background:#f4f7f3;scroll-padding-top:86px}
body{margin:0;background:#f4f7f3!important;color:#14221b;letter-spacing:-.02em;line-height:1.65}
button,input,select{font:inherit}
a{transition:color .16s ease,border-color .16s ease,background-color .16s ease,transform .18s ease}
:focus-visible{outline:3px solid #8db94a!important;outline-offset:3px}

/* Home: turns the brochure-like landing into a useful calculator dashboard. */
.nav{position:sticky;top:0;z-index:30;height:74px;background:#f8faf8f2!important;border-bottom:1px solid #dfe6e0!important;backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px)}
.brand img,.footer .brand img{width:128px!important}
.navlinks{gap:25px;color:#59675f}
.navlinks a{font-size:13px;font-weight:600}
.navlinks a:hover{color:#15261e}
.navlinks a:after{background:#91bb50}
.nav-search,.nav-install{border:1px solid #dbe4dd!important;border-radius:10px!important;background:#fff!important;color:#26362d!important;box-shadow:none!important;font-size:12px;font-weight:700}
.nav-search:hover,.nav-install:hover{border-color:#a3c66e!important;background:#f7faef!important}
.hero{grid-template-columns:minmax(0,1.06fr) minmax(350px,.94fr);gap:clamp(30px,5vw,66px);min-height:420px;padding-top:58px;padding-bottom:49px}
.hero h1{max-width:620px;color:#13211a;font-size:clamp(45px,5.2vw,66px);font-weight:700;letter-spacing:-.075em;line-height:1.18}
.hero h1 em{font-family:inherit;color:#274831;font-weight:800;letter-spacing:-.075em}
.eyebrow,.kicker{color:#536658;letter-spacing:.09em}
.eyebrow:before{width:8px;height:8px;border-radius:50%;background:#a1ca61}
.hero-copy{max-width:475px;color:#637168;font-size:15px;line-height:1.8}
.searchbox{max-width:550px;min-height:62px;padding:6px 7px 6px 16px;border:1px solid #dce4dd;border-radius:12px;background:#fff;box-shadow:0 10px 30px #1a2b1f0c}
.searchbox:focus-within{border-color:#9dbf69;box-shadow:0 0 0 4px #b8df7a33,0 12px 30px #1a2b1f0a}
.searchbox input{font-size:15px}
.searchbox button{min-height:48px;border-radius:9px;background:#17261e;color:#fff;font-size:13px;font-weight:700}
.searchbox button:hover{background:#294335}
.popular{gap:8px;font-size:11px}
.popular>span{margin-right:3px;color:#596775}
.popular a{padding:6px 10px;border:1px solid #dfe6df;border-radius:7px;background:#fff;color:#43564a;text-decoration:none;font-weight:600}
.popular a:hover{border-color:#a6c873;background:#f7faef}
.hero-art{position:relative;isolation:isolate;display:flex;align-items:center;justify-content:center;min-width:0;height:302px;overflow:hidden;border:0;border-radius:18px;background:#14251e;color:#fff;text-decoration:none;box-shadow:0 20px 50px #13251d20}
.hero-art:before{position:absolute;z-index:-1;inset:auto -80px -210px auto;width:410px;height:410px;border:1px solid #c9f36b30;border-radius:50%;background:radial-gradient(circle at 36% 28%,#c9f36b25,transparent 66%);content:""}
.hero-art:after{position:absolute;z-index:-1;inset:20px 22px auto auto;width:74px;height:74px;border:1px solid #ffffff1b;border-radius:50%;content:""}
.art-grid,.orb{display:none!important}
.demo-card{width:min(82%,410px);padding:24px 26px;border:1px solid #ffffff24;border-radius:13px;background:#ffffff0b;box-shadow:0 20px 50px #00000012;backdrop-filter:blur(10px)}
.demo-top{display:flex;align-items:center;justify-content:space-between;gap:12px;color:#d5e1d8;font-size:12px;font-weight:600}
.demo-tag{padding:4px 7px;border:1px solid #ffffff32;border-radius:5px;color:#d5e8bd;font:700 9px 'DM Sans',sans-serif;letter-spacing:.12em}
.demo-label{margin-top:25px;color:#c1cec4;font-size:12px}
.demo-card strong{display:block;margin-top:4px;color:#fff;font:700 clamp(29px,4vw,40px) 'DM Sans','Noto Sans KR',sans-serif;letter-spacing:-.055em;line-height:1.25}
.demo-card strong span{margin-left:3px;font:600 15px 'Noto Sans KR',sans-serif;letter-spacing:-.02em}
.demo-meta{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:18px;padding-top:15px;border-top:1px solid #ffffff22}
.demo-meta span{display:grid;gap:3px;color:#aab9ae;font-size:10px}
.demo-meta b{color:#f2f6f2;font-size:12px;font-weight:600}
.demo-bars{display:flex;align-items:end;gap:5px;height:25px;margin-top:14px}
.demo-bars i{width:10px;border-radius:3px 3px 1px 1px;background:#c9f36b;opacity:.82}
.demo-bars i:nth-child(1){height:38%}.demo-bars i:nth-child(2){height:55%}.demo-bars i:nth-child(3){height:48%}.demo-bars i:nth-child(4){height:72%}.demo-bars i:nth-child(5){height:64%}.demo-bars i:nth-child(6){height:86%}.demo-bars i:nth-child(7){height:100%}
.floating{right:7%;bottom:13%;padding:9px 12px;border:1px solid #ffffff25;border-radius:7px;background:#1f3429;color:#e8f1e8;font-size:10px;font-weight:600;transform:none;box-shadow:0 8px 22px #0002}
.trusted{gap:16px;padding-top:14px;padding-bottom:14px;border-color:#dfe6e0;color:#596775;font-size:11px}
.trusted b{color:#43554a;font-size:11px}
.section{padding-top:67px;padding-bottom:67px}
.section-head{align-items:end;margin-bottom:22px}
.section h2{color:#14221b;font-size:clamp(25px,3vw,32px);letter-spacing:-.06em;line-height:1.35}
.section-head p{color:#596775;font-size:12px;line-height:1.7}
.feature-grid{gap:13px}
.feature{min-height:195px;padding:24px;border:1px solid #e0e7e1;border-radius:13px;background:#fff;box-shadow:none;transition:transform .18s ease,border-color .18s ease}
.feature:hover{transform:translateY(-2px);border-color:#b7ca9e;box-shadow:0 13px 27px #17251c0b}
.feature.primary{background:#172820!important;box-shadow:none!important}
.feature.primary:after{background:linear-gradient(115deg,#ffffff08,transparent 50%)}
.feature-label{color:#596775;font-size:10px;letter-spacing:.07em}
.feature.primary .feature-label{color:#d6e7bc}
.feature h3{margin-top:17px;color:#19271f;font-size:20px;letter-spacing:-.045em}
.feature p{max-width:370px;color:#596775;font-size:12px;line-height:1.8}
.feature.primary h3{color:#fff}
.feature.primary p{color:#d2dbd4}
.feature .metric{color:#d2f88b;font-size:11px;font-weight:700}
.feature .icon{border-radius:9px;background:#eef4e8;color:#577838}
.scenario-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
.scenario{min-height:230px;display:block;padding-bottom:66px}
.scenario h3{max-width:310px;font-size:clamp(17px,2vw,21px);line-height:1.5}
.scenario p{max-width:340px}
.scenario-links{position:absolute;left:24px;right:24px;bottom:19px;display:flex;flex-wrap:wrap;gap:7px}
.scenario-links span{border:1px solid #e1e7e1;border-radius:99px;padding:6px 9px;color:#43554a;font-size:10px;line-height:1.2}
.scenario.primary .scenario-links span{border-color:#ffffff35;color:#eef4e8}
.scenario-icon{position:absolute;right:22px;top:18px;display:grid;place-items:center;width:34px;height:34px;border-radius:10px;background:#edf3e8;color:#526d40;font:700 16px 'DM Sans',sans-serif}
.scenario.primary .scenario-icon{background:#ffffff16;color:#d6e7bc}
@media(max-width:850px){.scenario-grid{grid-template-columns:1fr 1fr}.scenario:first-child{grid-column:1/-1}}
@media(max-width:620px){.scenario-grid{grid-template-columns:1fr}.scenario:first-child{grid-column:auto}.scenario{min-height:0;padding:19px 19px 68px}.scenario h3{font-size:18px;margin-top:12px}.scenario-links{left:19px;right:12px;bottom:17px}.scenario-icon{right:16px;top:16px}}
.category-wrap{background:#eef2ee!important;border-color:#e4e9e4!important}
.category-wrap .section-head{margin-bottom:18px}
.cat-grid{grid-template-columns:repeat(7,minmax(0,1fr));gap:8px}
.cat{min-width:0;padding:12px 11px;border:1px solid #dfe6df;border-radius:9px;background:#fff;box-shadow:none;transition:border-color .16s ease,background .16s ease}
.cat:hover{border-color:#a8c276;background:#fbfdf7;transform:translateY(-1px)}
.cat-icon{width:32px;height:32px;border-radius:8px;background:#f0f4ec;color:#4e6840}
.cat strong{color:#26362c;font-size:12px}
.cat small{color:#596775;font-size:10px}
.cat.active{border-color:#b4d17b;background:#f7fbeF;box-shadow:none}
.cat.active .cat-icon{background:#c9f36b;color:#1d2a20}
.tool-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:11px}
.tool{min-height:155px;padding:19px;border:1px solid #e0e7e1;border-radius:11px;background:#fff;box-shadow:none;transition:border-color .18s ease,transform .18s ease}
.tool:hover{transform:translateY(-2px);border-color:#b7ca9e;box-shadow:0 12px 24px #17251c0a}
.tool .tag{border-radius:5px;background:#eff4e9;color:#506a3f;font-size:9px;font-weight:700}
.tool h3{margin-top:13px;color:#1b2921;font-size:15px;letter-spacing:-.04em}
.tool p{color:#596775;font-size:11px;line-height:1.7}
.tool-foot{color:#3a6343;font-size:10px;font-weight:700}
.tool-save{border-color:#dce5d7;background:#fff;color:#4c6541}
.tool-save[aria-pressed=true]{border-color:#b4d17b;background:#f1f9e7;color:#395327}
.quick-panel{border-color:#e0e7e1;border-radius:11px;background:#fff}
.quick-panel h3{color:#1d2b22}
.quick-tool-item{border-radius:8px;border-color:#e7ece7}
.quick-tool-item:hover{border-color:#b9cb9e;background:#fbfdf9}
.quick-remove{color:#596775}
.guides-teaser{padding-top:30px}
.guide-teaser-grid{gap:10px}
.guide-teaser-grid a{border-color:#e0e7e1;border-radius:10px;background:#fff;box-shadow:none}
.guide-teaser-grid a:hover{border-color:#b7ca9e;transform:translateY(-2px)}
.guide-teaser-grid b{color:#557444}
.guide-teaser-grid span{color:#1d2b22;font-size:13px}
.guide-teaser-grid small{color:#596775}
.guide{border:1px solid #dfe7df;border-radius:13px;background:#ebf0e9;box-shadow:none}
.guide h2{color:#14221b;font-size:25px;letter-spacing:-.05em}
.guide p,.guide-item{color:#5e6e62;font-size:12px}
.guide-item b{background:#d9e8cc;color:#416034}
.footer{margin-top:60px;background:#14251e!important;color:#eef5ee;padding:38px 0 26px}
.footer p{color:#bdc9bf}
.footer-links{gap:14px 21px;color:#d1dbd2}
.footer .partner-disclosure{color:#dce6dc}
.footer .copyright{border-color:#ffffff20;color:#aebcb1}
.tool:focus-visible,.cat:focus-visible,.feature:focus-visible,.nav a:focus-visible,.searchbox button:focus-visible{outline:3px solid #b5e66b;outline-offset:3px}

/* Calculator workspace */
.topbar{position:sticky;top:0;z-index:30;height:68px;border-bottom:1px solid #e0e7e1!important;background:#f8faf8f2!important;backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px)}
.topbar .brand img{width:122px!important}
.back{padding:9px 13px;border:1px solid #dce4dc;border-radius:8px;background:#fff;color:#3b4e40;font-size:11px;font-weight:700}
.back:hover{border-color:#a6c66d;background:#f8fbf2}
.page{max-width:1120px;padding:27px 24px 64px}
.crumb{display:flex;gap:9px;color:#596775;font-size:11px}
.crumb a{color:#536a58}
.intro{padding:32px 0 22px}
.intro .eyebrow{color:#60755f;font-size:10px;letter-spacing:.07em}
.intro .eyebrow:before{width:7px;height:7px;border-radius:50%;background:#a3cd60}
.intro h1{color:#14221b;font-size:clamp(32px,4vw,43px);font-weight:750;letter-spacing:-.065em;line-height:1.2}
.intro p{max-width:700px;color:#596775;font-size:14px;line-height:1.8}
.layout{grid-template-columns:minmax(0,1.04fr) minmax(350px,.96fr);gap:15px;align-items:start}
.panel{border:1px solid #e0e7e1!important;border-radius:12px!important;padding:23px!important;box-shadow:none!important}
.form-panel{background:#fff!important}
.form-panel h2{color:#17261d;font-size:16px}
.sub{margin-bottom:18px;color:#596775;font-size:12px}
.fields{gap:15px 12px}
.field label{color:#35453a;font-size:12px;font-weight:650}
.control{height:48px;border:1px solid #dce4dd!important;border-radius:8px!important;background:#f9fbf9!important;color:#16231a!important;font-size:15px!important;font-variant-numeric:tabular-nums}
.control:hover{border-color:#c1d1b7!important;background:#fff!important}
.control:focus{border-color:#83ad4b!important;box-shadow:0 0 0 3px #c9f36b42!important;background:#fff!important}
.unit{color:#596775;font-size:11px}
.quick-chips{gap:6px}
.quick-chips button{min-height:34px;padding:6px 9px;border:1px solid #e0e7e1;border-radius:7px;background:#f6f8f5;color:#46554a;font-size:10px;font-weight:650}
.quick-chips button:hover{border-color:#adc783;background:#f1f7e9;color:#263b2b}
.calc-button{height:52px;margin-top:17px;border-radius:8px!important;background:#c9f36b!important;color:#152119!important;box-shadow:none!important;font-size:14px;font-weight:800}
.calc-button:hover{background:#b9e65a!important;box-shadow:0 6px 15px #7aab3824!important;transform:translateY(-1px)}
.small-note,.action-status{color:#596775}
.result-panel{position:sticky;top:88px;background:#14251e!important;color:#f5f8f4;overflow:hidden}
.result-panel .result-top h2{color:#f5f8f4;font-size:16px}
.result-panel .share-button{border:1px solid #ffffff2a;border-radius:7px;background:#20372a;color:#e5efdf}
.result-panel .share-button:hover{background:#2b4534}
.result-main{margin:17px 0 15px;padding:19px 18px;border:0!important;border-left:4px solid #c9f36b!important;border-radius:8px!important;background:#c9f36b!important;box-shadow:none!important}
.result-label{color:#3d552b;font-size:11px;font-weight:700}
.result-value{margin-top:5px;color:#14251e!important;font:750 clamp(27px,3.3vw,38px) 'DM Sans','Noto Sans KR',sans-serif!important;letter-spacing:-.055em!important;line-height:1.2}
.rows{border-color:#ffffff22!important}
.row{border-color:#ffffff20!important;color:#b9c7bd;font-size:12px}
.row span:first-child{color:#b9c7bd}
.row strong{color:#f6f8f5;font-weight:700}
.repayment-schedule{border-color:#ffffff2b!important;border-radius:8px!important;background:#1b3025!important}
.repayment-schedule summary{color:#f0f5ee!important}
.repayment-schedule summary:after{color:#c9f36b!important}
.schedule-scroll{border-color:#ffffff20!important}
.schedule-scroll th{background:#20372a!important;color:#d7e3d9!important}
.schedule-scroll td{border-color:#ffffff18!important;color:#e0e8e1!important}
.notice{border:1px solid #ffffff1c!important;border-radius:8px!important;background:#1b3025!important;color:#c2cec5!important}
.notice b{color:#eaf0e9}
.notice p{color:#bdc9bf;font-size:11px;line-height:1.8}
.calculator-guide{gap:11px;margin-top:22px}
.guide-intro{border-radius:12px!important;background:#1b3025!important}
.guide-intro h2{color:#fff;font-size:21px}
.guide-intro p{color:#c5d1c7}
.guide-card,.guide-faq,.related-tools{border-color:#e0e7e1!important;border-radius:11px!important;background:#fff!important;box-shadow:none!important}
.guide-card h3,.guide-faq h3,.related-tools h2,.related-tools h3{color:#17261d}
.guide-card p,.guide-card li,.guide-faq details p{color:#647268}
.guide-caution{background:#f3f6f1!important}
.guide-faq summary{color:#24352a}
.guide-faq details{border-color:#e4e9e3}
.related-tool{border:1px solid #e4eae3;border-radius:8px;background:#f8faf7!important}
.related-tool:hover{border-color:#b2c99b;background:#f2f8ed!important}
.related-tool span{color:#596775}
.related-tool b{color:#223328}
.source-note{border-left-color:#9dc75e;background:#f2f7eb;color:#5e6d5e}
.source-note a,.related-tool small{color:#426239}
.mobile-back,.guide-back{min-height:48px;border-color:#dce5dc;border-radius:8px;background:#fff;color:#314b37;font-weight:700}

/* Guides and trust pages */
.guide-index-head h1,.guide-article-head h1{color:#14221b;letter-spacing:-.06em}
.guide-index-head p,.guide-article-head>p{color:#596775}
.guide-index-card,.article-section{border:1px solid #e0e7e1!important;border-radius:11px!important;background:#fff!important;box-shadow:none!important}
.guide-index-card:hover{border-color:#b7ca9e!important}
.guide-index-card h3,.article-section h2{color:#17261d}
.guide-index-card p,.article-section p{color:#5f6e63}
.guide-index-card>span,.guide-index-card small{color:#547045}
.related-tools{gap:8px}
.related-tool{padding:12px}
.site-footer,footer:not(.footer){border-color:#dfe6df!important;color:#596775}
.site-footer a,.footer-links a{color:#49634d}
.footer-partner{border-radius:10px}
.trust-page{--trust-ink:#14221b;--trust-muted:#647268;--trust-brand:#14251e;--trust-brass:#9dc75e;--trust-bg:#f4f7f3;--trust-line:#e0e7e1;--trust-paper:#fff;background:#f4f7f3!important;color:#14221b}
.trust-header{border-color:#dfe6df!important;background:#f8faf8f2!important}
.trust-hero{border:0!important;border-radius:13px!important;background:#14251e!important;box-shadow:none!important;color:#fff}
.trust-hero h1{color:#fff}
.trust-eyebrow{color:#d4e8b2}
.trust-hero>p:last-child{color:#d2ddd3}
.trust-section{border-color:#e0e7e1!important;border-radius:11px!important;box-shadow:none!important}
.trust-section h2{color:#17261d}
.trust-section p,.trust-section li{color:#5f6e63}
.trust-pill{border-color:#ffffff36;background:#20372a;color:#e3eddd}
.trust-callout{border-left-color:#9dc75e;background:#f1f7e9;color:#50624f}
.trust-footer{border-color:#dfe6df;color:#596775}
.trust-footer a{color:#456244}

/* Keep the partnership disclosure directly above its ad unit. */
.partner-disclosure{max-width:680px;margin:28px auto 8px;padding:0 12px;color:#596775;text-align:center;font-size:11px;line-height:1.65}
.footer-partner{margin:0 auto 8px!important}
.footer .partner-disclosure{color:#d6dee6}

@media(max-width:980px){.wrap{padding-left:26px;padding-right:26px}.navlinks{gap:15px}.hero{grid-template-columns:minmax(0,1fr) minmax(310px,.88fr)}.cat-grid{grid-template-columns:repeat(4,minmax(0,1fr))}.tool-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.layout{grid-template-columns:minmax(0,1fr) minmax(320px,.92fr)}}
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/* Quality pass: readable secondary text, clear keyboard paths, and stable mobile details. */
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.crumb a,.source-note a,.site-footer a{color:#35543c}
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#result[aria-live]{min-width:0}
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@media(max-width:620px){.guides-teaser .guide-teaser-grid{grid-template-columns:1fr}}

/* Korean type scale: keep supporting copy legible on compact screens. */
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/* Semmadang premium finish: warm paper, deep evergreen, restrained brass. */
:root{--lux-ink:#202a24;--lux-pine:#20392f;--lux-pine-deep:#172b23;--lux-gold:#b29361;--lux-gold-soft:#eee7d9;--lux-paper:#f7f5ef;--lux-line:#e6e0d5;--lux-muted:#596775}
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