/* ===== DESIGN SYSTEM ===== */
    :root {
      --blue-900: #0f2444;
      --blue-800: #173562;
      --blue-700: #1e4a87;
      --blue-600: #2563b0;
      --blue-500: #3b7dd8;
      --blue-400: #5a9ae0;
      --blue-200: #bfd6f6;
      --blue-100: #deeafb;
      --blue-50:  #f0f6ff;
      --accent:   #1a8c6e;
      --accent-light: #e6f7f3;
      --white:    #ffffff;
      --gray-50:  #f8fafc;
      --gray-100: #f1f5f9;
      --gray-200: #e2e8f0;
      --gray-400: #94a3b8;
      --gray-600: #475569;
      --gray-700: #334155;
      --gray-900: #0f172a;
      --radius:   10px;
      --shadow-sm: 0 1px 3px rgba(15,36,68,.07), 0 1px 2px rgba(15,36,68,.04);
      --shadow:    0 4px 16px rgba(15,36,68,.09), 0 1px 4px rgba(15,36,68,.06);
      --shadow-md: 0 8px 32px rgba(15,36,68,.11), 0 2px 8px rgba(15,36,68,.07);
      --font-head: 'Georgia', 'Times New Roman', serif;
      --font-body: -apple-system, 'Segoe UI', system-ui, sans-serif;
      --max-w: 820px;
    }

    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

    html { font-size: 16px; scroll-behavior: smooth; }

    body {
      font-family: var(--font-body);
      background: var(--white);
      color: var(--gray-900);
      line-height: 1.7;
      -webkit-font-smoothing: antialiased;
    }

    /* ===== LAYOUT ===== */
    .page-wrap {
      max-width: var(--max-w);
      margin: 0 auto;
      padding: 48px 20px 80px;
    }

    /* ===== H1 & INTRO ===== */
    .page-title {
      font-family: var(--font-head);
      font-size: clamp(1.75rem, 4vw, 2.4rem);
      font-weight: 700;
      color: var(--blue-900);
      line-height: 1.25;
      letter-spacing: -0.02em;
      margin-bottom: 14px;
    }

    .page-intro {
      font-size: 1.05rem;
      color: var(--gray-600);
      max-width: 680px;
      margin-bottom: 36px;
      line-height: 1.65;
    }

    .page-intro strong {
      color: var(--blue-700);
      font-weight: 600;
    }

    /* ===== DIVIDER ===== */
    .divider {
      height: 1px;
      background: var(--gray-200);
      margin: 44px 0;
    }

    /* ===== CALCULATOR ===== */
    .calc-card {
      background: var(--blue-50);
      border: 1.5px solid var(--blue-200);
      border-radius: 14px;
      padding: 28px 28px 24px;
      margin-bottom: 36px;
      box-shadow: var(--shadow);
    }

    .calc-title {
      font-family: var(--font-head);
      font-size: 1.15rem;
      font-weight: 700;
      color: var(--blue-800);
      margin-bottom: 4px;
      display: flex;
      align-items: center;
      gap: 8px;
    }

    .calc-title .badge {
      background: var(--blue-600);
      color: #fff;
      font-family: var(--font-body);
      font-size: 0.68rem;
      font-weight: 600;
      padding: 2px 8px;
      border-radius: 20px;
      letter-spacing: .03em;
      text-transform: uppercase;
    }

    .calc-subtitle {
      font-size: 0.82rem;
      color: var(--blue-500);
      margin-bottom: 20px;
    }

    .calc-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 14px 18px;
    }

    @media (max-width: 560px) {
      .calc-grid { grid-template-columns: 1fr; }
    }

    .field-group {
      display: flex;
      flex-direction: column;
      gap: 5px;
    }

    .field-group label {
      font-size: 0.78rem;
      font-weight: 600;
      color: var(--blue-800);
      letter-spacing: .01em;
      text-transform: uppercase;
    }

    .field-group select,
    .field-group input[type="number"] {
      background: var(--white);
      border: 1.5px solid var(--blue-200);
      border-radius: 7px;
      padding: 8px 10px;
      font-size: 0.9rem;
      color: var(--gray-900);
      font-family: var(--font-body);
      appearance: none;
      -webkit-appearance: none;
      transition: border-color .18s, box-shadow .18s;
      width: 100%;
    }

    .field-group select {
      background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%232563b0' stroke-width='1.6' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
      background-repeat: no-repeat;
      background-position: right 10px center;
      padding-right: 28px;
    }

    .field-group select:focus,
    .field-group input:focus {
      outline: none;
      border-color: var(--blue-500);
      box-shadow: 0 0 0 3px rgba(59,125,216,.15);
    }

    .calc-btn-row {
      margin-top: 18px;
      display: flex;
      align-items: center;
      gap: 14px;
      flex-wrap: wrap;
    }

    .calc-btn {
      background: var(--blue-600);
      color: #fff;
      border: none;
      border-radius: 8px;
      padding: 10px 26px;
      font-size: 0.92rem;
      font-weight: 600;
      font-family: var(--font-body);
      cursor: pointer;
      transition: background .18s, transform .12s, box-shadow .18s;
      box-shadow: 0 2px 8px rgba(37,99,176,.25);
    }

    .calc-btn:hover { background: var(--blue-700); box-shadow: 0 4px 14px rgba(37,99,176,.3); transform: translateY(-1px); }
    .calc-btn:active { transform: translateY(0); }

    .calc-reset {
      background: none;
      border: none;
      color: var(--blue-500);
      font-size: 0.83rem;
      cursor: pointer;
      font-family: var(--font-body);
      text-decoration: underline;
      padding: 0;
    }

    /* ===== RESULT ===== */
    #calc-result {
      display: none;
      margin-top: 20px;
      background: var(--white);
      border: 1.5px solid var(--blue-200);
      border-radius: 10px;
      padding: 18px 20px;
      animation: fadeIn .25s ease;
    }

    @keyframes fadeIn { from { opacity:0; transform: translateY(4px); } to { opacity:1; transform: translateY(0); } }

    .result-label {
      font-size: 0.75rem;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: .05em;
      color: var(--blue-500);
      margin-bottom: 4px;
    }

    .result-amount {
      font-family: var(--font-head);
      font-size: 2rem;
      font-weight: 700;
      color: var(--blue-900);
      line-height: 1;
      margin-bottom: 6px;
    }

    .result-range {
      font-size: 0.82rem;
      color: var(--gray-600);
      margin-bottom: 12px;
    }

    .result-breakdown {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 8px;
      border-top: 1px solid var(--gray-200);
      padding-top: 12px;
    }

    @media (max-width: 480px) {
      .result-breakdown { grid-template-columns: 1fr 1fr; }
    }

    .breakdown-item {
      background: var(--gray-50);
      border-radius: 7px;
      padding: 8px 10px;
    }

    .breakdown-item .bi-label {
      font-size: 0.68rem;
      text-transform: uppercase;
      letter-spacing: .04em;
      color: var(--gray-400);
      font-weight: 600;
    }

    .breakdown-item .bi-val {
      font-size: 0.88rem;
      font-weight: 700;
      color: var(--blue-800);
      margin-top: 2px;
    }

    .result-note {
      font-size: 0.74rem;
      color: var(--gray-400);
      margin-top: 10px;
      line-height: 1.5;
    }

    .result-error {
      color: #b91c1c;
      font-size: 0.87rem;
      font-weight: 500;
    }

    /* ===== SUMMARY BOX ===== */
    .summary-box {
      background: linear-gradient(135deg, var(--blue-50) 0%, #e8f4fd 100%);
      border: 1.5px solid var(--blue-200);
      border-left: 4px solid var(--blue-600);
      border-radius: 10px;
      padding: 22px 24px;
      margin-bottom: 44px;
    }

    .summary-box h2 {
      font-family: var(--font-head);
      font-size: 1.05rem;
      color: var(--blue-800);
      margin-bottom: 14px;
      font-weight: 700;
    }

    .summary-list {
      list-style: none;
      
      flex-direction: column;
      gap: 9px;
    }

    .summary-list li {
      font-size: 0.9rem;
      color: var(--gray-700);
      
      gap: 10px;
      align-items: flex-start;
      line-height: 1.55;
    }

    .summary-list li .s-icon {
      color: var(--blue-600);
      font-size: 0.85rem;
      margin-top: 2px;
      flex-shrink: 0;
    }

    .summary-list li strong {
      color: var(--blue-900);
      font-weight: 600;
    }

    /* ===== ARTICLE ===== */
    .article-body h2 {
      font-family: var(--font-head);
      font-size: 1.35rem;
      font-weight: 700;
      color: var(--blue-900);
      margin: 40px 0 12px;
      line-height: 1.3;
    }

    .article-body h3 {
      font-size: 1.05rem;
      font-weight: 700;
      color: var(--blue-800);
      margin: 28px 0 10px;
    }

    .article-body p {
      font-size: 0.975rem;
      color: var(--gray-700);
      margin-bottom: 16px;
      line-height: 1.75;
    }

    .article-body p strong {
      color: var(--blue-900);
      font-weight: 600;
    }

    .article-body ul, .article-body ol {
      margin: 4px 0 18px 20px;
    }

    .article-body li {
      font-size: 0.965rem;
      color: var(--gray-700);
      margin-bottom: 8px;
      line-height: 1.65;
    }

    /* ===== INFO BOX ===== */
    .info-box {
      background: var(--blue-50);
      border: 1px solid var(--blue-200);
      border-left: 3px solid var(--blue-500);
      border-radius: 8px;
      padding: 14px 18px;
      margin: 20px 0;
      font-size: 0.88rem;
      color: var(--blue-800);
      line-height: 1.6;
    }

    .info-box strong { font-weight: 700; }

    /* ===== RATE TABLE ===== */
    .rate-table-wrap {
      overflow-x: auto;
      margin: 16px 0 20px;
      border-radius: 8px;
      border: 1px solid var(--blue-200);
    }

    .rate-table {
      width: 100%;
      border-collapse: collapse;
      font-size: 0.88rem;
    }

    .rate-table th {
      background: var(--blue-600);
      color: #fff;
      text-align: left;
      padding: 10px 14px;
      font-weight: 600;
      font-size: 0.82rem;
      letter-spacing: .02em;
      white-space: nowrap;
    }

    .rate-table td {
      padding: 9px 14px;
      border-bottom: 1px solid var(--gray-200);
      color: var(--gray-700);
    }

    .rate-table tr:last-child td { border-bottom: none; }
    .rate-table tr:nth-child(even) td { background: var(--blue-50); }

    /* ===== FAQ ===== */
    .faq-section { margin-top: 48px; }

    .faq-section > h2 {
      font-family: var(--font-head);
      font-size: 1.35rem;
      font-weight: 700;
      color: var(--blue-900);
      margin-bottom: 20px;
    }

    .faq-item {
      border: 1px solid var(--blue-200);
      border-radius: 9px;
      margin-bottom: 10px;
      overflow: hidden;
    }

    .faq-question {
      width: 100%;
      text-align: left;
      background: var(--blue-50);
      border: none;
      cursor: pointer;
      padding: 14px 18px;
      font-size: 0.92rem;
      font-weight: 600;
      color: var(--blue-900);
      display: flex;
      justify-content: space-between;
      align-items: center;
      gap: 12px;
      font-family: var(--font-body);
      line-height: 1.45;
      transition: background .15s;
    }

    .faq-question:hover { background: var(--blue-100); }

    .faq-icon {
      flex-shrink: 0;
      width: 20px;
      height: 20px;
      background: var(--blue-200);
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      color: var(--blue-700);
      font-size: 0.9rem;
      font-weight: 700;
      transition: transform .22s, background .15s;
    }

    .faq-item.open .faq-icon {
      transform: rotate(45deg);
      background: var(--blue-600);
      color: #fff;
    }

    .faq-answer {
      max-height: 0;
      overflow: hidden;
      transition: max-height .28s ease, padding .2s;
      padding: 0 18px;
      font-size: 0.9rem;
      color: var(--gray-700);
      line-height: 1.7;
      background: var(--white);
    }

    .faq-item.open .faq-answer {
      max-height: 400px;
      padding: 14px 18px 16px;
    }

    /* ===== DISCLAIMER ===== */
    .disclaimer {
      margin-top: 40px;
      padding: 14px 18px;
      background: var(--gray-100);
      border-radius: 8px;
      font-size: 0.78rem;
      color: var(--gray-600);
      line-height: 1.6;
      border: 1px solid var(--gray-200);
    }

    /* ===== RESPONSIVE ===== */
    @media (max-width: 600px) {
      .page-wrap { padding: 28px 16px 60px; }
      .calc-card { padding: 20px 16px 18px; }
      .summary-box { padding: 16px 16px; }
    }