:root{--bg: #f3f1eb;--bg-deep: #e8e4da;--ink: #1a2332;--muted: #5c6675;--line: #cfc8ba;--accent: #1f4d7a;--accent-soft: #d7e4f0;--surface: #fffcf7;--warn: #7a3e1f;--ad-bg: #ebe7de;--radius: 6px;--max: 720px;--font: "IBM Plex Sans KR", "IBM Plex Sans", sans-serif}*,*:before,*:after{box-sizing:border-box}html{color-scheme:light}body{margin:0;min-height:100vh;font-family:var(--font);color:var(--ink);background:radial-gradient(1200px 500px at 10% -10%,#dce8f4 0%,transparent 55%),radial-gradient(900px 400px at 100% 0%,#efe6d4 0%,transparent 50%),var(--bg);line-height:1.55}a{color:var(--accent);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:#16385a}#app{min-height:100vh;display:flex;flex-direction:column}.site-header{border-bottom:1px solid var(--line);background:color-mix(in srgb,var(--surface) 88%,transparent);-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);position:sticky;top:0;z-index:10}.site-header__inner,.site-footer__inner,.page{width:min(100% - 2rem,var(--max));margin-inline:auto}.site-header__inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:.85rem 0;flex-wrap:wrap}.brand{font-weight:700;font-size:1.15rem;letter-spacing:-.02em;color:var(--ink);text-decoration:none}.brand span{color:var(--accent)}.nav{display:flex;flex-wrap:wrap;gap:.65rem 1rem;font-size:.92rem}.nav a{color:var(--muted);text-decoration:none}.nav a:hover,.nav a[aria-current=page]{color:var(--accent)}.page{flex:1;padding:1.75rem 0 3rem}.hero h1{margin:0 0 .5rem;font-size:clamp(1.6rem,4vw,2.1rem);letter-spacing:-.03em;line-height:1.25}.lede{margin:0 0 1.25rem;color:var(--muted);font-size:1.02rem}.meta-bar{display:flex;flex-wrap:wrap;gap:.5rem 1rem;margin-bottom:1.25rem;font-size:.85rem;color:var(--muted)}.meta-bar strong{color:var(--ink);font-weight:600}.ad-slot{margin:0;padding:0;border:none;background:transparent}.ad-slot--dormant{display:none;min-height:0}.ad-slot--live{display:block;min-height:90px;margin:1rem 0 1.5rem}.ad-slot--live.ad-slot--footer{min-height:120px}.tool-grid{display:grid;gap:.85rem;margin:1.5rem 0}.tool-link{display:block;padding:1rem 1.1rem;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);text-decoration:none;color:inherit;transition:border-color .15s ease,transform .15s ease}.tool-link:hover{border-color:var(--accent);transform:translateY(-1px)}.tool-link h2{margin:0 0 .25rem;font-size:1.05rem;color:var(--accent)}.tool-link p{margin:0;color:var(--muted);font-size:.92rem}.panel{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.1rem 1.15rem;margin-bottom:1.25rem}.panel h2{margin:0 0 .85rem;font-size:1.05rem}.field{margin-bottom:.9rem}.field:last-child{margin-bottom:0}.field label{display:block;font-size:.88rem;font-weight:500;margin-bottom:.35rem}.field label.checkbox{display:flex;align-items:flex-start;gap:.5rem;font-weight:500;cursor:pointer;line-height:1.4}.field label.checkbox input{width:auto;margin-top:.2rem;flex-shrink:0}.field .hint{display:block;margin-top:.3rem;font-size:.8rem;color:var(--muted)}.hint-block{margin-top:.45rem}.hint-block .hint{margin:.25rem 0 0}.hint-block .hint:first-child{margin-top:0}.field input,.field select{width:100%;padding:.55rem .65rem;border:1px solid var(--line);border-radius:var(--radius);background:#fff;font:inherit;color:var(--ink)}.field input:focus,.field select:focus{outline:2px solid var(--accent-soft);border-color:var(--accent)}.preset-row{display:flex;flex-wrap:wrap;gap:.4rem;margin-top:.5rem}.preset-row button{border:1px solid var(--line);border-radius:999px;background:var(--surface);color:var(--accent);padding:.35rem .65rem;cursor:pointer}.table-scroll{overflow-x:auto}.prose h3{margin:1.2rem 0 .35rem;font-size:1rem}.results{margin-top:.25rem}.results table{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums;font-size:.95rem}.results th,.results td{padding:.45rem .2rem;border-bottom:1px solid var(--line);text-align:left}.results td:last-child,.results th:last-child{text-align:right}.results .total-row td{font-weight:700;border-bottom:none;padding-top:.7rem}.highlight{display:flex;justify-content:space-between;align-items:baseline;gap:1rem;padding:.85rem 0;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums}.highlight strong{font-size:1.25rem;color:var(--accent)}.prose h2{margin:1.75rem 0 .6rem;font-size:1.15rem}.prose p,.prose li{color:var(--ink)}.prose ul{padding-left:1.2rem}.notice{margin:1rem 0;padding:.75rem .9rem;border-left:3px solid var(--warn);background:color-mix(in srgb,#f3e6d8 70%,var(--surface));font-size:.9rem;color:var(--warn)}.site-footer{border-top:1px solid var(--line);background:var(--bg-deep);padding:1.25rem 0 1.75rem;font-size:.85rem;color:var(--muted)}.site-footer nav{display:flex;flex-wrap:wrap;gap:.5rem 1rem;margin-bottom:.75rem}.site-footer a{color:var(--muted);text-decoration:none}.site-footer a:hover{color:var(--accent)}@media(max-width:520px){.site-header__inner{align-items:flex-start;flex-direction:column}}:root{--bg: #f6f8fc;--bg-deep: #edf1f7;--surface: #fff;--line: #dde4ef;--accent: #2457c5;--accent-soft: #edf3ff;--muted: #57677f;--radius: 14px;--max: 1120px}body{background:var(--bg)}[hidden]{display:none!important}.site-header{background:#ffffffed}.site-header__inner{padding-block:1.1rem}.brand{font-size:1.4rem}.page{padding-top:2.8rem}.page>.hero{max-width:780px;margin-bottom:2rem}.hero h1{font-size:clamp(2rem,4.5vw,3rem);letter-spacing:-.045em}.eyebrow{color:var(--accent);font-size:.78rem;letter-spacing:.06em;font-weight:700;margin:0 0 .9rem}.home-hero{display:grid;grid-template-columns:1.1fr .9fr;gap:4rem;align-items:center;padding:2rem 0 3rem}.home-hero h1{font-size:clamp(2.5rem,5vw,3.8rem);line-height:1.18;margin-bottom:1.4rem}.home-hero h1 span{color:var(--accent)}.home-hero .lede{font-size:1.08rem;max-width:440px}.action-row{display:flex;gap:.65rem;flex-wrap:wrap;margin:1.5rem 0 .8rem}.button{display:inline-flex;justify-content:center;align-items:center;border:1px solid var(--accent);border-radius:9px;background:var(--accent);color:#fff;padding:.8rem 1.05rem;font:inherit;font-size:.9rem;font-weight:600;text-decoration:none;cursor:pointer}.button:hover{background:#1945a3;color:#fff}.button-secondary{color:var(--accent);background:#fff;border-color:var(--line)}.button-secondary:hover{background:var(--accent-soft);color:var(--accent)}:focus-visible{outline:3px solid #90b4ff;outline-offset:3px}.privacy-line,.hint{color:var(--muted);font-size:.82rem;line-height:1.6}.example-ledger{padding:2rem;border:1px solid var(--line);border-radius:20px;background:#fff;box-shadow:0 20px 50px #18284d08}.ledger-label{margin-bottom:.3rem;color:var(--muted);font-size:.9rem}.ledger-total{font-size:clamp(1.7rem,3vw,2.3rem);font-weight:700;letter-spacing:-.04em;margin:0 0 1.6rem;font-variant-numeric:tabular-nums}.example-ledger dl div,.budget-breakdown div{display:flex;justify-content:space-between;gap:1rem;padding:.7rem 0;border-bottom:1px solid var(--line)}.example-ledger dd,.budget-breakdown dd{margin:0;font-variant-numeric:tabular-nums}.feature-grid,.business-options{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem;margin:1.7rem 0 3rem}.feature-link{padding:1.6rem;background:#fff}.feature-link h2{font-size:1.3rem;color:var(--ink)}.card-arrow{display:block;margin-top:1.1rem;color:var(--accent);font-size:.85rem;font-weight:600}.tool-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.tool-link h3{font-size:1rem;margin:0 0 .5rem;color:var(--ink)}.tool-link{padding:1.3rem}.section-heading{margin:2rem 0 1.3rem}.section-heading h2{margin:0;letter-spacing:-.03em;font-size:1.5rem}.trust-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;padding:1.6rem 0;margin:2rem 0 1rem;border-block:1px solid var(--line)}.trust-strip p{font-size:.88rem;color:var(--muted);margin:.4rem 0 0}.workspace-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.3rem;align-items:start}.workspace-grid>*{min-width:0}.portal-hero{max-width:760px;padding-top:1rem}.family-doors{display:grid;grid-template-columns:1fr 1fr;gap:1.4rem;margin:2rem 0 3rem}.family-door{display:block;padding:2rem;border-radius:16px;border:1px solid var(--line);text-decoration:none;color:var(--ink)}.family-door h2{font-size:clamp(1.5rem,3vw,2rem);line-height:1.3;margin:.6rem 0 1rem;letter-spacing:-.03em}.family-door--shop,.home-family--shop,.page[data-family=shop]{--accent: #186149;--accent-soft: #e7f3ec}.family-door--shop{background:#e7f3ec;border-color:#bdd7c9}.family-door--salary{background:#eaf1ff;border-color:#cad8f3}.family-door:hover{box-shadow:0 8px 25px #18284d0c;color:var(--ink)}.family-door .eyebrow,.family-door .card-arrow{color:var(--accent)}.home-family{margin-top:3rem}.is-current-family{color:var(--accent)!important;font-weight:700}.family-navigation{margin:0 0 1.6rem;padding-bottom:1rem;border-bottom:1px solid var(--line)}.breadcrumbs{display:flex;flex-wrap:wrap;gap:.5rem;font-size:.78rem;color:var(--muted);margin:0 0 .8rem}.family-links{display:flex;flex-wrap:wrap;gap:.5rem}.family-links a{font-size:.78rem;padding:.4rem .65rem;border:1px solid var(--line);border-radius:6px;text-decoration:none;background:#fff}.family-links a[aria-current=page]{background:var(--accent-soft);color:var(--accent);border-color:var(--accent)}.footer-groups{display:grid;grid-template-columns:1fr 1fr 1fr;gap:2rem}.footer-groups nav{display:flex;flex-direction:column;align-items:flex-start;gap:.6rem}.footer-heading{font-weight:700;color:var(--ink)!important;margin-bottom:.3rem}.shop-input-pair{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.rent-recovery{padding:1rem;border:1px solid var(--line);border-radius:10px;font-size:.9rem;margin:1rem 0}.rent-recovery h3{margin-top:0;font-size:1rem}.panel{padding:1.5rem}.role-row{padding:1rem;border:1px solid var(--line);border-radius:10px;margin:0 0 1rem;position:relative;display:grid;grid-template-columns:1fr 1fr;gap:.8rem}.role-row legend{padding:0 .4rem;color:var(--muted);font-size:.78rem}.role-row .field:first-of-type{grid-column:1 / -1}.role-row .field{margin:0}.text-button{border:0;color:var(--muted);text-decoration:underline;background:none;padding:.2rem;font:inherit;cursor:pointer}.role-row .text-button{grid-column:1 / -1;justify-self:end;font-size:.8rem}.budget-settings{margin-top:1.5rem;padding-top:1rem;border-top:1px solid var(--line)}.budget-settings summary{font-weight:600;cursor:pointer;margin-bottom:1rem}.budget-summary{background:var(--accent-soft);padding:1.5rem;border-radius:10px}.budget-summary h2{font-size:clamp(1.5rem,2.9vw,2rem);font-variant-numeric:tabular-nums;margin-bottom:.2rem;color:var(--accent)}.budget-summary p:last-child{margin:.3rem 0 0}.budget-breakdown{font-size:.88rem}.budget-table{width:100%;border-collapse:collapse;font-size:.82rem;font-variant-numeric:tabular-nums}.budget-table caption{text-align:left;color:var(--muted);margin:1rem 0 .6rem}.budget-table th,.budget-table td{text-align:right;border-bottom:1px solid var(--line);padding:.6rem .25rem;white-space:nowrap}.budget-table th:first-child{text-align:left;white-space:normal;overflow-wrap:anywhere;min-width:80px}.business-band{display:flex;align-items:center;justify-content:space-between;gap:2rem;padding:2rem;background:#142845;color:#fff;border-radius:14px;margin:2rem 0}.business-band .eyebrow{color:#a8c8ff}.business-band h2{margin:0 0 .7rem;font-size:1.4rem}.business-band p:last-child{margin:0;color:#ced9e9;max-width:620px;font-size:.92rem}.business-band .button{white-space:nowrap}.widget-preview{width:100%;height:760px;border:1px solid var(--line);border-radius:12px;background:#fff;display:block;margin:1rem 0}.embed-code{width:100%;font:.85rem/1.6 monospace;padding:1rem;background:var(--bg);border:1px solid var(--line);border-radius:8px;resize:vertical;overflow-wrap:anywhere}.embed-page{max-width:680px;padding:1rem 0}.embed-page .hero h1{font-size:1.6rem}.embed-page .hero{margin-bottom:1rem}.embed-page .prose .next-step{display:none}.embed-page .prose{font-size:.83rem}.embed-credit{text-align:center;font-size:.75rem}.next-step{background:var(--accent-soft);padding:1.2rem;border-radius:12px}.next-step h2{margin-top:0}.page>#calc-form,.page>#results{max-width:780px;margin-inline:auto}@media(max-width:800px){.home-hero{grid-template-columns:1fr;gap:1.5rem;padding-top:.5rem}.workspace-grid{grid-template-columns:1fr}.tool-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.business-band{flex-direction:column;align-items:flex-start}}@media(max-width:520px){.family-doors,.footer-groups{grid-template-columns:1fr}.family-door{padding:1.4rem}.page{padding-top:1.5rem}.feature-grid,.business-options,.tool-grid,.trust-strip{grid-template-columns:1fr}.home-hero h1{font-size:2.5rem}.example-ledger,.panel{padding:1.2rem}.nav{gap:.6rem .9rem;font-size:.83rem}.workspace-grid{gap:.3rem}}@media print{body{background:#fff;font-size:10pt}.site-header,.site-footer,.family-navigation,.action-row,.business-band,.remove-role,#add-role,.embed-credit{display:none!important}.page{width:100%;padding:0}.workspace-grid{display:block}.panel{break-inside:avoid;box-shadow:none;padding:.7rem}.hero h1{font-size:20pt}.budget-summary{background:#fff;border:1px solid #aaa}}