:root {
  --bg: #f3efe6;
  --ink: #1c1915;
  --muted: #5e574c;
  --line: #e3d9c8;
  --card: #fffdf8;
  --accent: #0e6b52;
  --accent-ink: #f4fff9;
  --interest: #9a3f22;
  --shadow: 0 18px 40px rgba(58, 42, 18, 0.08);
  --sans: "Apple SD Gothic Neo", "Noto Sans KR", "Malgun Gothic", sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  background:
    radial-gradient(circle at top left, rgba(14, 107, 82, 0.08), transparent 32rem),
    var(--bg);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 1rem;
  line-height: 1.55;
}

a { color: var(--accent); }

.wrap {
  width: min(1080px, calc(100% - 2rem));
  margin: 0 auto;
}

.site-header {
  padding: 1.25rem 0 0.5rem;
}

.nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  margin: 0 0 1rem;
}

.nav a {
  border: 1px solid var(--line);
  border-radius: 999px;
  background: var(--card);
  color: var(--ink);
  font-size: 0.92rem;
  font-weight: 700;
  padding: 0.4rem 0.75rem;
  text-decoration: none;
}

.nav a[aria-current="page"] {
  background: var(--accent);
  border-color: var(--accent);
  color: var(--accent-ink);
}

.brand {
  display: inline-block;
  margin-bottom: 0.7rem;
  color: var(--ink);
  font-weight: 800;
  letter-spacing: -0.03em;
  text-decoration: none;
}

body.doc-page .wrap { width: min(760px, calc(100% - 2rem)); }

body.ltv-page .wrap { width: min(1120px, calc(100% - 2rem)); }

body.bank-page .wrap { width: min(980px, calc(100% - 2rem)); }

.sector-nav { margin-top: -0.35rem; }

body.ltv-page .site-header { padding-bottom: 0.15rem; }

body.ltv-page h1 {
  margin-bottom: 0.25rem;
  font-size: clamp(1.45rem, 2.4vw, 1.85rem);
}

body.ltv-page .lede {
  max-width: none;
  margin-bottom: 0.85rem;
  font-size: 0.95rem;
}

body.ltv-page .card {
  padding: 0.8rem 0.9rem;
  box-shadow: 0 10px 24px rgba(58, 42, 18, 0.06);
}

body.ltv-page .card h2 {
  margin-bottom: 0.55rem;
  font-size: 1.15rem;
}

body.ltv-page .fields { gap: 0.55rem; }

body.ltv-page input[type="text"],
body.ltv-page input[type="number"] {
  font-size: 1rem;
  padding: 0.45rem 0.65rem;
}

body.ltv-page .amount-reading {
  margin-top: 0.2rem;
  font-size: 0.92rem;
}

body.ltv-page .chips { margin-top: 0.35rem; }

body.ltv-page .chips-fit {
  display: grid;
  grid-template-columns: repeat(7, minmax(0, 1fr));
  gap: 0.28rem;
}

body.ltv-page .chips-fit button {
  padding: 0.32rem 0.1rem;
  font-size: 0.78rem;
  text-align: center;
}

body.ltv-page .ratio {
  margin-top: 0.65rem;
  font-size: 1.85rem;
}

body.ltv-page .summary,
body.ltv-page .hint { font-size: 0.84rem; }

body.ltv-page .submit {
  margin-top: 0.85rem;
  padding: 0.65rem 1rem;
  font-size: 0.98rem;
}

body.ltv-page .calc-output { margin-top: 0.75rem; }

body.ltv-page .calc-output .ratio { margin-top: 0; }

body.ltv-page .split-result {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.45rem;
}

body.ltv-page .split-item {
  margin: 0;
  padding: 0.55rem 0.65rem;
  border-radius: 0.8rem;
  background: #f7f3ea;
}

body.ltv-page .split-item span {
  display: block;
  color: var(--muted);
  font-size: 0.78rem;
  font-weight: 700;
}

body.ltv-page .split-item strong {
  display: block;
  margin-top: 0.15rem;
  font-size: 1rem;
  letter-spacing: -0.03em;
}

body.ltv-page .split-item .amount-reading {
  margin-top: 0.1rem;
  font-size: 0.86rem;
}

.doc {
  display: grid;
  gap: 1rem;
  padding-bottom: 2rem;
}

.link-card { color: inherit; text-decoration: none; }

.bank-grid {
  display: grid;
  gap: 0.55rem;
}

.bank-card {
  display: block;
  border: 1px solid var(--line);
  border-radius: 0.9rem;
  background: #fff;
  color: inherit;
  padding: 0.8rem 0.9rem;
  text-decoration: none;
}

a.bank-card:hover,
.bank-card a:hover { text-decoration: underline; }

.bank-card strong {
  display: block;
  font-size: 1.02rem;
  letter-spacing: -0.03em;
}

.bank-card span {
  display: block;
  margin-top: 0.15rem;
  color: var(--muted);
  font-size: 0.86rem;
}

.bank-card em,
.bank-actions a {
  color: var(--accent);
  font-style: normal;
  font-size: 0.86rem;
  font-weight: 800;
}

.bank-card em { display: block; margin-top: 0.4rem; }

.bank-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 0.8rem;
  margin: 0.45rem 0 0;
}

.doc-section h2,
.doc-section h3 {
  letter-spacing: -0.03em;
}

.topic-grid,
.link-grid {
  display: grid;
  gap: 0.7rem;
}

.topic-card h2,
.topic-card h3 {
  margin-bottom: 0.35rem;
  font-size: 1.15rem;
}

.topic-card p:last-child,
.link-card p:last-child { margin-bottom: 0; }

.info-table th,
.info-table td {
  text-align: left;
  white-space: normal;
}

.info-table td.num,
.info-table th.num { text-align: right; }

.eyebrow {
  margin: 0;
  color: var(--accent);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
}

h1, h2, h3, p { margin-top: 0; }

h1 {
  margin-bottom: 0.4rem;
  font-size: clamp(1.8rem, 4vw, 2.7rem);
  line-height: 1.2;
  letter-spacing: -0.03em;
}

.lede {
  max-width: 42rem;
  color: var(--muted);
  font-size: 1.05rem;
}

.layout {
  display: grid;
  gap: 1rem;
  padding-bottom: 2rem;
}

.card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 1.25rem;
  box-shadow: var(--shadow);
  padding: 1.1rem;
}

fieldset {
  border: 0;
  margin: 0;
  padding: 0;
}

legend, label {
  display: block;
  margin-bottom: 0.35rem;
  font-size: 0.92rem;
  font-weight: 700;
}

.fields {
  display: grid;
  gap: 0.9rem;
}

input[type="text"],
input[type="number"] {
  width: 100%;
  border: 1px solid #d9cdb8;
  border-radius: 0.8rem;
  background: #fff;
  color: var(--ink);
  font: inherit;
  font-size: 1.15rem;
  padding: 0.8rem 0.9rem;
}

input:focus {
  outline: 3px solid rgba(14, 107, 82, 0.25);
  border-color: var(--accent);
}

.chips, .period, .methods {
  display: flex;
  flex-wrap: wrap;
  gap: 0.45rem;
}

.chips { margin-top: 0.5rem; }

.amount-reading {
  margin: 0.45rem 0 0;
  color: var(--accent);
  font-size: 1.05rem;
  font-weight: 800;
  letter-spacing: -0.03em;
}

.amount-reading:empty { display: none; }

.ratio {
  margin: 0.2rem 0 0.35rem;
  font-size: clamp(2rem, 5vw, 2.6rem);
  font-weight: 800;
  letter-spacing: -0.04em;
  line-height: 1.1;
}

.ltv-layout {
  display: grid;
  gap: 0.75rem;
}

.chips button,
.methods label {
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 999px;
  padding: 0.4rem 0.75rem;
  font: inherit;
  cursor: pointer;
}

.methods label {
  display: flex;
  gap: 0.35rem;
  align-items: center;
  font-weight: 600;
}

.methods input { accent-color: var(--accent); }

.period label { flex: 1 1 8rem; }

.suffix {
  color: var(--muted);
  font-weight: 600;
}

.hint, .note, .compare-note {
  color: var(--muted);
  font-size: 0.88rem;
}

.submit {
  width: 100%;
  border: 0;
  border-radius: 0.9rem;
  background: var(--accent);
  color: var(--accent-ink);
  font: inherit;
  font-weight: 800;
  font-size: 1.05rem;
  padding: 0.9rem 1rem;
  cursor: pointer;
}

.error {
  margin: 0.8rem 0 0;
  color: var(--interest);
  font-weight: 700;
}

.stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.7rem;
  margin: 1rem 0;
}

.stat {
  padding: 0.8rem;
  border-radius: 0.9rem;
  background: #f7f3ea;
}

.stat span {
  display: block;
  color: var(--muted);
  font-size: 0.82rem;
}

.stat strong {
  display: block;
  margin-top: 0.2rem;
  font-size: 1.15rem;
  letter-spacing: -0.03em;
}

.stat.interest strong { color: var(--interest); }

.summary {
  font-size: 1.02rem;
}

.compare {
  display: grid;
  gap: 0.6rem;
  margin-top: 1rem;
}

.compare-card {
  border: 1px solid var(--line);
  border-radius: 0.9rem;
  padding: 0.75rem 0.85rem;
}

.compare-card.is-selected {
  border-color: var(--accent);
  background: #f2faf6;
}

.compare-card h3 { margin-bottom: 0.2rem; font-size: 0.95rem; }

.compare-pay {
  margin-bottom: 0;
  font-size: 1.15rem;
  font-weight: 800;
}

.table-wrap { overflow-x: auto; }

table {
  width: 100%;
  border-collapse: collapse;
  font-variant-numeric: tabular-nums;
  font-size: 0.92rem;
}

th, td {
  padding: 0.55rem 0.4rem;
  border-bottom: 1px solid var(--line);
  text-align: right;
  white-space: nowrap;
}

th:first-child, td:first-child, thead th:first-child { text-align: left; }

.schedule-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 1.1rem;
  margin-top: 0.8rem;
}

.text-button {
  border: 0;
  background: transparent;
  color: var(--accent);
  font: inherit;
  font-weight: 800;
  cursor: pointer;
  padding: 0;
}

.prose { max-width: 46rem; }

.prose h2 { font-size: 1.35rem; letter-spacing: -0.03em; }

.faq details {
  border-top: 1px solid var(--line);
  padding: 0.8rem 0;
}

.faq summary {
  cursor: pointer;
  font-weight: 700;
}

.site-footer {
  padding: 0 0 2.5rem;
  color: var(--muted);
  font-size: 0.88rem;
}

@media (min-width: 720px) {
  .topic-grid { grid-template-columns: 1fr 1fr; }
  .link-grid { grid-template-columns: 1fr 1fr 1fr; }
  .bank-grid { grid-template-columns: 1fr 1fr; }
}

@media (min-width: 900px) {
  .ltv-layout {
    grid-template-columns: 1fr 1fr;
    align-items: start;
  }

}

@media (min-width: 860px) {
  .layout {
    grid-template-columns: 0.92fr 1.08fr;
    align-items: start;
  }

  .stats { grid-template-columns: 1fr 1fr; }

  .compare { grid-template-columns: repeat(3, 1fr); }

  .prose, .faq { grid-column: 1 / -1; }
}