:root{color:#172033;font-synthesis:none;text-rendering:optimizelegibility;background:#f3f5f8;font-family:Inter,Pretendard,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif}*{box-sizing:border-box}body{background:#f3f5f8;min-width:320px;margin:0}button,input,select{font:inherit}.site-header{z-index:20;background:#fff;border-bottom:1px solid #dde4ee;position:relative}.site-header__inner{justify-content:space-between;align-items:center;gap:24px;width:min(1180px,100% - 32px);min-height:72px;margin:0 auto;display:flex}.site-logo{color:#111827;white-space:nowrap;font-size:1.2rem;font-weight:900;text-decoration:none}.site-nav{padding:14px 0;position:relative}.menu-toggle{cursor:pointer;background:0 0;border:0}.nav-link{color:#334155;white-space:nowrap;border-radius:8px;align-items:center;min-height:40px;padding:0 12px;font-weight:700;text-decoration:none;display:flex}.nav-link:hover,.nav-link--active{color:#1d4ed8;background:#eff6ff}.nav-link--disabled{color:#64748b}.menu-toggle{background:#f1f5f9;border-radius:8px;width:44px;height:44px;display:none}.menu-toggle span{background:#172033;border-radius:99px;width:20px;height:2px;margin:4px auto;display:block}.page{width:min(1180px,100% - 32px);margin:0 auto;padding:40px 0 64px}.hero{color:#fff;background:linear-gradient(120deg,#0c182ef5,#0f766ed6),radial-gradient(circle at 82% 24%,#a7f3d04d,#0000 28%),linear-gradient(160deg,#0f172a 0%,#164e63 48%,#0f766e 100%);border:1px solid #d9e1ec;border-radius:8px;justify-content:space-between;align-items:flex-end;min-height:220px;margin-bottom:24px;padding:38px;display:flex}.hero h1{letter-spacing:0;margin:8px 0 12px;font-size:clamp(2.2rem,5vw,4.5rem);line-height:1}.hero p{color:#e8eef7;max-width:680px;margin:0;font-size:1.08rem;line-height:1.7}.eyebrow,.section-heading p{color:#0f766e;letter-spacing:.08em;text-transform:uppercase;margin:0;font-size:.78rem;font-weight:800}.hero .eyebrow{color:#a7f3d0}.dashboard-grid{grid-template-columns:minmax(320px,.9fr) minmax(0,1.1fr);align-items:start;gap:20px;display:grid}.panel{background:#fff;border:1px solid #dde4ee;border-radius:8px;box-shadow:0 16px 40px #1822380f}.input-panel,.result-panel,.chart-panel,.sp500-box,.table-panel,.formula-panel,.seo-content .panel{padding:24px}.section-heading{margin-bottom:18px}.section-heading h2,.seo-content h2{color:#111827;letter-spacing:0;margin:6px 0 0;font-size:1.32rem}.input-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;display:grid}.field{color:#4b5563;gap:7px;font-size:.92rem;font-weight:700;display:grid}.field>input{color:#111827;background:#fff;border:1px solid #cfd8e5;border-radius:8px;width:100%;height:48px;padding:0 14px}.field--wide{grid-column:1/-1}.input-shell{background:#fff;border:1px solid #cfd8e5;border-radius:8px;align-items:center;height:48px;display:flex;overflow:hidden}.input-shell input,select{color:#111827;background:#fff;border:1px solid #cfd8e5;border-radius:8px;width:100%;height:48px}.input-shell input{border:0;outline:0;padding:0 14px}.input-shell input:disabled{color:#94a3b8;cursor:not-allowed;background:#f1f5f9}.input-shell em{color:#6b7280;flex:none;padding-right:14px;font-style:normal}.input-error{color:#be123c;background:#fff1f2;border:1px solid #fecdd3;border-radius:8px;margin:14px 0 0;padding:12px 14px;font-weight:800}select{padding:0 12px}.target-box{background:#f8fafc;border-radius:8px;margin-top:16px;padding:16px}.button-row{grid-template-columns:1fr 1fr;gap:12px;margin-top:18px;display:grid}.button{cursor:pointer;border:0;border-radius:8px;min-height:48px;font-weight:800}.button--primary{color:#fff;background:#2563eb}.result-grid,.comparison-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;display:grid}.result-card{background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;min-height:116px;padding:16px}.result-card span{color:#64748b;font-size:.86rem;font-weight:700;display:block}.result-card strong{color:#111827;overflow-wrap:anywhere;margin-top:12px;font-size:clamp(1.3rem,2.4vw,1.8rem);line-height:1.18;display:block}.result-card--primary{background:#eff6ff;border-color:#bfdbfe}.result-card--muted{background:#f8fafc}.target-result{color:#0f172a;background:#ecfdf5;border-radius:8px;justify-content:space-between;align-items:center;gap:16px;margin-top:16px;padding:16px;display:flex}.target-result span{color:#047857;font-weight:800}.target-result strong{overflow-wrap:anywhere;font-size:1.45rem}.chart-grid{grid-template-columns:minmax(0,1.25fr) minmax(300px,.75fr);gap:20px;margin-top:20px;display:grid}.chart-box{width:100%;height:340px}.chart-box--small{height:300px}.sp500-box,.table-panel,.formula-panel,.etf-summary-panel,.seo-content{margin-top:20px}.annual-highlight{background:#ecfdf5;border:1px solid #bbf7d0;border-radius:8px;margin-bottom:14px;padding:20px}.annual-highlight--loss{background:#fff1f2;border-color:#fecdd3}.annual-highlight span{color:#047857;font-size:.9rem;font-weight:900;display:block}.annual-highlight--loss span{color:#be123c}.annual-highlight strong{color:#064e3b;margin-top:8px;font-size:clamp(2rem,5vw,3rem);line-height:1;display:block}.annual-highlight--loss strong{color:#9f1239}.etf-summary-panel{padding:24px}.etf-summary-panel p{color:#334155;margin:0;font-size:1.06rem;font-weight:800;line-height:1.7}.etf-summary-panel p+p{margin-top:8px}.notice{color:#475569;background:#f8fafc;border-radius:8px;margin:16px 0 0;padding:14px 16px;line-height:1.6}.table-wrap{overflow-x:auto}table{border-collapse:collapse;width:100%;min-width:760px}th,td{text-align:right;white-space:nowrap;border-bottom:1px solid #e5e7eb;padding:14px 12px}th:first-child,td:first-child{text-align:left}th{color:#475569;background:#f8fafc;font-size:.88rem}.formula-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;display:grid}.formula-grid article{background:#f8fafc;border-radius:8px;padding:18px}.formula-grid h3{margin:0 0 10px;font-size:1rem}.formula-grid p,.seo-content p,.faq p{color:#4b5563;margin:0;line-height:1.75}.seo-content{gap:16px;display:grid}.faq details{border-bottom:1px solid #e5e7eb;padding:14px 0}.faq details:last-child{border-bottom:0}.faq summary{cursor:pointer;color:#111827;font-weight:800}.faq p{margin-top:10px}.related-calculators{padding:24px}.related-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;display:grid}.tax-disclaimer{background:#f8fafc;margin-bottom:20px;padding:18px 24px}.tax-disclaimer p{color:#475569;margin:0;line-height:1.7}.tax-disclaimer p+p{margin-top:8px}.tax-source-notice{margin-top:22px;padding:22px 24px}.tax-source-notice summary{cursor:pointer;color:#111827;align-items:center;gap:8px;font-weight:800;list-style:none;display:flex}.tax-source-notice summary::-webkit-details-marker{display:none}.tax-source-notice summary:before{content:"";border-top:5px solid #0000;border-bottom:5px solid #0000;border-left:7px solid #2563eb;width:0;height:0;transition:transform .16s}.tax-source-notice[open] summary:before{transform:rotate(90deg)}.tax-source-notice__body{color:#4b5563;gap:14px;margin-top:16px;font-size:.94rem;line-height:1.65;display:grid}.tax-source-notice__body p{overflow-wrap:anywhere;margin:4px 0 0}.tax-source-notice__body ul{gap:6px;margin:8px 0 0;padding-left:20px;display:grid}.tax-source-notice__body a{color:#2563eb;overflow-wrap:anywhere;font-weight:700;text-decoration:none}.tax-source-notice__body a:hover{text-decoration:underline}.amount-hint{color:#64748b;font-size:.82rem;font-weight:700}.checkbox-field{align-items:center;gap:10px;display:flex}.checkbox-field input{accent-color:#2563eb;width:18px;height:18px}.settings-toggle,.settings-grid,.product-inputs{margin-top:16px}.product-inputs{background:#f8fafc;border-radius:8px;gap:14px;padding:16px;display:grid}.product-inputs h3{color:#111827;margin:6px 0 0;font-size:1.06rem}.product-row{background:#fff;border:1px solid #dde4ee;border-radius:8px;grid-template-columns:repeat(4,minmax(0,1fr)) auto;align-items:end;gap:10px;padding:12px;display:grid}.product-remove{min-width:76px}@media (width<=900px){.dashboard-grid,.chart-grid,.formula-grid{grid-template-columns:1fr}.hero{min-height:190px;padding:28px}.site-header__inner{flex-wrap:wrap;min-height:64px}.menu-toggle{display:block}.site-nav{width:100%;padding-bottom:14px;display:none}.site-nav--open{gap:10px;display:grid}}@media (width<=620px){.page{width:min(100% - 20px,1180px);padding-top:18px}.hero,.input-panel,.result-panel,.chart-panel,.sp500-box,.table-panel,.tax-disclaimer,.tax-source-notice,.etf-summary-panel,.formula-panel,.seo-content .panel{padding:18px}.input-grid,.result-grid,.comparison-grid,.related-grid,.product-row,.button-row{grid-template-columns:1fr}.target-result{flex-direction:column;align-items:flex-start}.chart-box,.chart-box--small{height:280px}}.finance-reset-button{grid-column:1/-1}.finance-highlight strong{color:#064e3b;font-size:clamp(1.2rem,2.4vw,1.8rem);line-height:1.35}.finance-chart-panel{margin-top:20px}.finance-bar-list{gap:14px;display:grid}.finance-bar-row{grid-template-columns:140px minmax(120px,1fr) minmax(140px,auto);align-items:center;gap:14px;display:grid}.finance-bar-row span,.finance-bar-row strong{color:#334155;font-weight:800}.finance-bar-row div{background:#e2e8f0;border-radius:999px;height:14px;overflow:hidden}.finance-bar-row i{border-radius:inherit;background:linear-gradient(90deg, var(--accent), #2563eb);height:100%;display:block}@media (width<=620px){.finance-bar-row{grid-template-columns:1fr}}:root{color:#0f172a;--primary:#0f172a;--secondary:#1e293b;--accent:#0ea5a4;--background:#f8fafc;--card:#fff;--border:#e2e8f0;--success:#16a34a;--warning:#d97706;--muted:#64748b;background:#f8fafc;font-family:Pretendard,Inter,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif}body{background:linear-gradient(180deg, #0ea5a414, transparent 420px), var(--background)}a,button,.calculator-card{transition:color .22s,background .22s,border-color .22s,box-shadow .22s,transform .22s}a:focus-visible,button:focus-visible,select:focus-visible{outline-offset:2px;outline:3px solid #0ea5a452}input:focus-visible{outline:0}.site-header{z-index:50;-webkit-backdrop-filter:blur(18px);backdrop-filter:blur(18px);background:#ffffffd1;border-bottom:1px solid #e2e8f0db;position:sticky;top:0}.site-header__inner,.page,.portal-page,.breadcrumb{width:min(1280px,100% - 48px)}.site-header__inner{min-height:72px}.site-logo{color:var(--primary);gap:2px;display:grid}.site-logo strong{font-size:1.06rem;font-weight:700}.site-logo span{color:var(--muted);text-transform:uppercase;font-size:.73rem;font-weight:600}.site-nav{align-items:center;gap:6px;padding:0;display:flex}.site-nav>a{color:#334155;cursor:pointer;background:0 0;border:0;border-radius:8px;align-items:center;gap:6px;min-height:40px;padding:0 12px;font-size:.92rem;font-weight:600;text-decoration:none;display:inline-flex}.site-nav>a:hover,.site-nav>a.active{color:var(--accent);background:#0ea5a414}.portal-page{margin:0 auto;padding:48px 0 80px}.page{padding:28px 0 72px}.breadcrumb-wrap{background:#f8fafcdb}.breadcrumb{color:var(--muted);align-items:center;gap:8px;margin:0 auto;padding:18px 0 0;font-size:.9rem;font-weight:600;display:flex}.breadcrumb a{color:#475569;text-decoration:none}.breadcrumb a:hover{color:var(--accent)}.hero,.portal-hero,.subpage-hero{background:linear-gradient(135deg,#0f172afa,#1e293bf0),linear-gradient(90deg,#0ea5a433,#0000);border-color:#e2e8f0b3;border-radius:16px;box-shadow:0 24px 70px #0f172a1f}.hero{min-height:180px;padding:32px}.hero h1,.portal-hero h1,.subpage-hero h1{letter-spacing:0;font-weight:700}.portal-hero{color:#fff;grid-template-columns:minmax(0,1.25fr) minmax(300px,.75fr);gap:28px;padding:44px;display:grid}.portal-hero h1{max-width:760px;margin:10px 0 18px;font-size:clamp(2.7rem,6vw,5.8rem);line-height:.98}.portal-hero p,.subpage-hero p{color:#dbeafe;max-width:720px;margin:0;font-size:1.08rem;line-height:1.8}.portal-actions{flex-wrap:wrap;gap:12px;margin:28px 0 20px;display:flex}.button{border-radius:10px;justify-content:center;align-items:center;min-height:48px;padding:0 18px;text-decoration:none;display:inline-flex}.button--primary{background:var(--accent)}.button--primary:hover{background:#0f9290;transform:translateY(-1px)}.button--secondary{color:var(--primary);background:#e2e8f0}.hero-stats{grid-template-columns:repeat(2,minmax(0,1fr));align-content:end;gap:12px;display:grid}.hero-stats article{background:#ffffff14;border:1px solid #ffffff29;border-radius:14px;min-height:120px;padding:18px}.hero-stats strong{color:#fff;font-size:1.65rem;display:block}.hero-stats span{color:#cbd5e1;font-weight:600}.search-box{max-width:680px;position:relative}.search-input{color:#cbd5e1;background:#ffffff1a;border:1px solid #ffffff38;border-radius:14px;align-items:center;gap:10px;min-height:58px;padding:0 18px;display:flex}.search-input input{color:#fff;background:0 0;border:0;outline:0;width:100%}.search-input input::placeholder{color:#cbd5e1}.search-results{z-index:30;border:1px solid var(--border);background:#fff;border-radius:14px;gap:6px;padding:10px;display:grid;position:absolute;top:calc(100% + 10px);left:0;right:0;box-shadow:0 24px 60px #0f172a2e}.search-result{min-height:58px;color:var(--primary);text-align:left;background:0 0;border:0;border-radius:10px;gap:4px;padding:10px 12px;text-decoration:none;display:grid}.search-result span,.search-empty{color:var(--muted);font-size:.86rem}.search-result:hover,.search-result--active{background:#f1f5f9}.portal-section{margin-top:56px}.portal-section>.section-heading{max-width:760px;margin-bottom:22px;display:block}.portal-section>.section-heading h2{color:var(--primary);font-size:clamp(1.6rem,3vw,2.3rem);line-height:1.25}.portal-section>.section-heading p{color:#0f766e}.category-grid,.calculator-grid,.trust-grid,.guide-grid{gap:18px;display:grid}.category-grid{grid-template-columns:repeat(3,minmax(0,1fr));align-items:stretch}.calculator-grid{grid-template-columns:repeat(4,minmax(0,1fr));align-items:stretch}.category-card,.calculator-card,.info-card,.trust-card,.filter-panel,.subpage-hero{border:1px solid var(--border);background:var(--card);border-radius:16px;box-shadow:0 16px 44px #0f172a0f}.category-card{gap:14px;padding:24px;display:grid}.category-card:hover{border-color:#0ea5a46b;transform:translateY(-4px)scale(1.01);box-shadow:0 24px 64px #0f172a1a}.category-card:hover .calculator-icon,.calculator-card:hover .calculator-icon{transform:translateY(-2px)}.category-card h3,.calculator-card h3,.info-card h3{color:var(--primary);margin:0;font-size:1.12rem}.category-card p,.calculator-card p,.info-card p{color:#475569;margin:0;line-height:1.65}.category-tags{flex-wrap:wrap;gap:8px;display:flex}.category-tags span,.badge{white-space:nowrap;border-radius:999px;align-items:center;min-height:28px;padding:0 9px;font-size:.78rem;font-weight:700;display:inline-flex}.category-tags span{color:#334155;background:#f1f5f9}.badge--active{color:#0f766e;background:#ccfbf1}.badge--soon{color:#92400e;background:#fef3c7}.category-link{color:var(--accent);align-items:center;gap:8px;font-weight:700;text-decoration:none;display:inline-flex}.calculator-card{min-height:270px;color:inherit;text-align:left;grid-template-rows:auto 1fr auto;gap:18px;padding:22px;text-decoration:none;display:grid}.calculator-card:hover{border-color:#0ea5a46b;transform:translateY(-4px);box-shadow:0 26px 64px #0f172a1f}.calculator-card--soon{cursor:pointer;width:100%}.calculator-card--compact{grid-template-rows:auto 1fr auto;grid-template-columns:1fr;align-items:stretch;min-height:220px}.calculator-card__top{justify-content:flex-start;align-items:center;gap:12px;min-width:0;display:flex}.calculator-icon{width:44px;height:44px;color:var(--accent);background:#0ea5a41a;border-radius:12px;justify-content:center;align-items:center;display:inline-flex}.calculator-card__button{color:#fff;background:var(--primary);white-space:nowrap;border-radius:10px;justify-content:center;align-items:center;width:100%;min-height:44px;padding:0 16px;font-size:.9rem;font-weight:700;line-height:1;display:inline-flex}.calculator-card--soon .calculator-card__button{color:#92400e;background:#fef3c7}.subpage-hero{color:#fff;background:radial-gradient(circle at 88% 18%,#14b8a647,#0000 34%),linear-gradient(135deg,#0f172a 0%,#1e293b 58%,#134e4a 100%);padding:36px;overflow:hidden}.subpage-hero h1{color:#fff;margin:8px 0 12px;font-size:clamp(2rem,5vw,4rem)}.subpage-hero .eyebrow{color:#99f6e4}.subpage-hero p{color:#dbeafe}.filter-panel{grid-template-columns:minmax(260px,1fr) repeat(3,minmax(160px,.25fr));gap:12px;margin:24px 0;padding:18px;display:grid}.filter-panel input,.filter-panel select{border:1px solid var(--border);border-radius:10px;height:48px;padding:0 14px}.trust-grid,.guide-grid{grid-template-columns:repeat(4,minmax(0,1fr));align-items:stretch}.trust-card,.info-card{min-height:156px;padding:20px}.info-card{align-content:start;gap:10px;display:grid}.trust-card{color:var(--primary);align-content:center;gap:12px;font-weight:700;display:grid}.trust-card svg{color:var(--accent)}.update-list{gap:10px;display:grid}.update-list a{border:1px solid var(--border);color:var(--primary);background:#fff;border-radius:12px;justify-content:space-between;gap:16px;padding:16px 18px;text-decoration:none;display:flex}.site-footer{color:#cbd5e1;background:var(--primary);margin-top:40px}.site-footer__inner{grid-template-columns:1.5fr repeat(3,1fr);gap:28px;width:min(1280px,100% - 48px);margin:0 auto;padding:44px 0;display:grid}.site-footer h2,.site-footer h3{color:#fff;margin:0 0 12px}.site-footer p{max-width:420px;margin:0 0 12px;line-height:1.7}.site-footer nav{align-content:start;gap:9px;display:grid}.site-footer a{color:#cbd5e1;text-decoration:none}.site-footer a:hover{color:#99f6e4}.copyright{color:#94a3b8;border-top:1px solid #ffffff1f;width:min(1280px,100% - 48px);margin:0 auto;padding:18px 0 26px}.panel,.input-shell,.result-card{border-color:var(--border);border-radius:12px}.input-shell:focus-within{border-color:var(--accent);box-shadow:0 0 0 3px #0ea5a424}.result-card--primary{background:#eff6ff}.result-card--positive{background:#f0fdf4;border-color:#bbf7d0}.result-card--warning{background:#fffbeb;border-color:#fed7aa}@media (width<=1024px){.portal-hero,.category-grid,.site-footer__inner{grid-template-columns:1fr}.calculator-grid,.trust-grid,.guide-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.filter-panel{grid-template-columns:1fr 1fr}}@media (width<=900px){.site-header__inner,.page,.portal-page,.breadcrumb,.site-footer__inner,.copyright{width:min(100% - 28px,1280px)}.site-nav{border:1px solid var(--border);background:#fff;border-radius:16px;max-height:calc(100vh - 92px);padding:14px;display:none;position:fixed;inset:72px 14px auto;overflow-y:auto;box-shadow:0 24px 70px #0f172a2e}.site-nav--open{display:grid}.site-nav>a{border:1px solid var(--border);background:#fff;width:100%;min-height:52px;padding:0 14px;display:flex}.nav-backdrop{background:#0f172a38;border:0;position:fixed;inset:72px 0 0}}@media (width<=620px){.portal-page{padding:22px 0 56px}.portal-hero,.subpage-hero,.hero{border-radius:14px;padding:24px}.portal-hero h1{font-size:clamp(2.35rem,12vw,3.4rem)}.portal-actions,.portal-actions .button,.button-row .button{width:100%}.hero-stats,.calculator-grid,.trust-grid,.guide-grid,.filter-panel{grid-template-columns:1fr}.calculator-card{min-height:230px}.calculator-card--compact{grid-template:"top button""body body"/minmax(0,1fr) auto;align-items:stretch;gap:14px;min-height:0;padding:18px}.calculator-card--compact .calculator-card__top{grid-area:top;min-width:0}.calculator-card--compact .calculator-card__button{grid-area:button;justify-self:end;width:auto;min-width:86px;min-height:40px;padding:0 14px;font-size:.84rem}.calculator-card--compact .calculator-card__body{grid-area:body;gap:6px;display:grid}.calculator-card--compact h3{word-break:keep-all;overflow-wrap:anywhere;font-size:1rem;line-height:1.35}.calculator-card--compact p{word-break:keep-all;overflow-wrap:anywhere;font-size:.9rem;line-height:1.55}.search-results{margin-top:10px;position:static}}