:root{--bg:#faf9f6;--surface:#fffefa;--text:#242822;--muted:#686e65;--line:#d9dcd2;--primary:#99452f;--primary-ink:#fff;--accent:#45634a;--accent-soft:#edf0e9;--warn-soft:#f5edda;--warn-ink:#77511b;--info-soft:#eeeae0;--radius:0px;--wrap:1180px;--article:800px;--font:-apple-system,BlinkMacSystemFont,"Segoe UI","Pretendard Variable",Pretendard,"Noto Sans KR","Apple SD Gothic Neo","Malgun Gothic",sans-serif;--mono:ui-monospace,SFMono-Regular,Consolas,monospace}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;font-family:var(--font);font-size:16px;line-height:1.75;color:var(--text);background:var(--bg);word-break:keep-all;overflow-wrap:anywhere}a{color:inherit;text-decoration:none}a:hover{text-decoration:underline;text-underline-offset:5px}img{max-width:100%;height:auto}button,input,select{font:inherit}a,button,input,select,summary{-webkit-tap-highlight-color:transparent}:focus-visible{outline:2px solid var(--primary);outline-offset:4px}button{touch-action:manipulation}.wrap{max-width:var(--wrap);margin:auto;padding:0 32px}.article-wrap{max-width:var(--article);margin:auto;padding:0 28px}.skip-link{position:fixed;left:16px;top:-90px;z-index:100;background:var(--text);color:white;padding:12px}.skip-link:focus{top:12px}.hd{background:var(--bg);border-bottom:1px solid var(--text);position:-webkit-sticky;position:sticky;top:0;z-index:20}.hd-in{min-height:88px;display:flex;align-items:center;justify-content:space-between;gap:30px}.logo{display:flex;align-items:baseline;gap:14px;white-space:nowrap;flex-shrink:0}.logo:hover{text-decoration:none}.logo-word{font-family:Georgia,Times New Roman,serif;font-size:36px;line-height:1;font-weight:700;letter-spacing:-2px}.footer-brand>span,.logo-word>span{color:var(--primary)}.logo-korean{font-size:12px;font-weight:650;letter-spacing:-.4px}.nav{display:flex;gap:24px;overflow-x:auto;scrollbar-width:none;min-width:0}.nav::-webkit-scrollbar{display:none}.nav a{padding:15px 0;font-size:13px;font-weight:600;white-space:nowrap}.nav a:hover{color:var(--primary)}main{padding:42px 0 90px}.eyebrow{font-family:var(--mono);font-size:11px!important;font-weight:600;letter-spacing:1.4px;color:var(--primary)!important;margin:0 0 16px!important}.sec{margin-top:72px}.sec-hd{display:flex;align-items:flex-end;justify-content:space-between;gap:20px;margin-bottom:25px}.sec-hd .eyebrow{margin-bottom:8px!important}.sec-hd h2{font-size:27px;line-height:1.3;letter-spacing:-1.2px;margin:0}.sec-hd>a{font-size:13px;white-space:nowrap}.text-link{display:inline-flex;gap:24px;align-items:center;font-size:14px;font-weight:650;border-bottom:1px solid var(--text);padding:0 0 8px}.text-link:hover{text-decoration:none;border-color:var(--primary);color:var(--primary)}.home-lead{display:grid;grid-template-columns:1.08fr 1fr;min-height:450px;border-bottom:1px solid var(--line);padding-bottom:36px;grid-gap:56px;gap:56px}.home-intro{padding:23px 0 0;display:flex;flex-direction:column;align-items:flex-start}.home-intro h1{font-size:clamp(40px,5vw,64px);line-height:1.22;letter-spacing:-3.7px;margin:7px 0 25px;font-weight:750}.lead-copy{font-size:16px;line-height:1.95;color:var(--muted);margin:0 0 28px}.intro-foot{display:flex;justify-content:space-between;width:100%;margin-top:auto;padding-top:35px;font-size:11px;letter-spacing:.4px;color:var(--muted)}.lead-story{display:flex;flex-direction:column;background:#ebe6db;padding:25px 30px 22px;position:relative;isolation:isolate;overflow:hidden;min-width:0}.lead-story:hover{text-decoration:none}.story-top{display:flex;justify-content:space-between;font-size:11px;color:#5c6258;gap:16px}.story-glyph{position:absolute;right:17px;top:18px;font-family:Georgia,serif;font-size:200px;line-height:1.3;color:#d6c9b7;z-index:-1;transform:rotate(-12deg)}.story-content{margin-top:100px}.story-content h2{font-size:29px;letter-spacing:-1.3px;line-height:1.5;margin:0 0 15px;max-width:400px}.story-content>p{font-size:13px;color:#586052;line-height:1.9;max-width:400px;margin:0}.story-bottom{display:flex;justify-content:space-between;align-items:center;margin-top:24px;padding-top:15px;border-top:1px solid #c9c7bc;font-size:11px}.story-bottom>span:last-child{font-size:24px}.lead-story:hover h2{text-decoration:underline;text-underline-offset:5px}.tool-directory{display:grid;grid-template-columns:1fr 1fr;border-top:2px solid var(--text)}.tool-row{display:flex;align-items:center;gap:22px;border-bottom:1px solid var(--line);padding:25px 24px 25px 0;min-width:0}.tool-row:nth-child(2n){border-left:1px solid var(--line);padding-left:28px}.tool-number{font-family:Georgia,serif;font-size:27px;color:#929b89;font-style:italic;width:34px;flex-shrink:0}.tool-row h3{font-size:18px;letter-spacing:-.5px;margin:0 0 2px}.tool-row p{font-size:12px;color:var(--muted);margin:0}.tool-arrow{margin-left:auto;font-size:23px;color:var(--primary)}.tool-row:hover{background:#efeee7;text-decoration:none}.journal-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));grid-gap:35px 32px;gap:35px 32px;border-top:2px solid var(--text);padding-top:24px}.journal-story{display:flex;flex-direction:column;min-width:0;padding-bottom:22px;border-bottom:1px solid var(--line)}.journal-story h3{font-size:21px;line-height:1.5;letter-spacing:-.7px;margin:16px 0 10px}.journal-story>p{font-size:13px;color:var(--muted);line-height:1.85;margin:0 0 24px}.journal-story:hover{text-decoration:none}.journal-story:hover h3{color:var(--primary)}.journal-meta{display:flex;justify-content:space-between;gap:12px;font-size:11px;color:var(--muted);margin-top:auto}.tag{display:inline-block;font-size:11px;font-weight:650;color:var(--primary);letter-spacing:.2px}.tag.calc{color:var(--accent)}.topic-list{display:flex;flex-wrap:wrap;border-top:1px solid var(--text)}.topic-list a{display:flex;align-items:center;gap:14px;padding:18px 22px 18px 0;margin-right:25px;font-size:15px}.topic-list small{font-family:var(--mono);color:var(--muted);font-size:11px}.topic-list a>span:last-child{color:var(--primary)}.editorial-note{display:grid;grid-template-columns:1fr 1fr;grid-gap:16px 56px;gap:16px 56px;margin-top:70px;padding:34px 0;border-top:1px solid var(--text)}.editorial-note>.eyebrow{grid-column:1/-1}.editorial-note h2{font-size:34px;line-height:1.4;letter-spacing:-1.6px;margin:0}.editorial-note p:not(.eyebrow){font-size:14px;color:var(--muted);margin:0 0 24px;line-height:1.9}.page-hd{margin:18px 0 36px;max-width:900px}.page-hd h1{font-size:clamp(30px,4vw,43px);line-height:1.35;letter-spacing:-1.7px;margin:0 0 17px;font-weight:750}.page-hd>p{font-size:15px;line-height:1.8;margin:0}.crumb,.page-hd>p{color:var(--muted)}.crumb{font-size:11px;margin-bottom:23px}.crumb span{margin:0 8px}.calculator-heading{padding-top:10px}.calc-switcher{display:flex;gap:25px;overflow-x:auto;border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin:0 0 35px;scrollbar-width:thin}.calc-switcher a{flex-shrink:0;font-size:12px;padding:15px 0;color:var(--muted)}.calc-switcher a[aria-current=page]{color:var(--primary);border-bottom:2px solid var(--primary);font-weight:700}.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));grid-gap:0 30px;gap:0 30px;border-top:1px solid var(--text)}.card{display:block;min-width:0;padding:26px 0;border-bottom:1px solid var(--line);color:inherit}.card:hover{text-decoration:none}.card:hover h3{color:var(--primary)}.card h3{font-size:20px;line-height:1.5;letter-spacing:-.7px;margin:4px 0 9px}.card p{font-size:14px;margin:0}.card p,.meta{color:var(--muted)}.meta{font-size:12px;display:flex;gap:12px;align-items:center;flex-wrap:wrap}.card .meta{margin-top:18px}.list{border-top:1px solid var(--text)}.item{display:block;border-bottom:1px solid var(--line);padding:25px 0}.item:hover{text-decoration:none}.item:hover h3{color:var(--primary)}.item h3{font-size:23px;line-height:1.5;letter-spacing:-.7px;margin:10px 0}.item p{font-size:14px;color:var(--muted);max-width:860px;margin:0}.calc{display:grid;grid-template-columns:minmax(0,1.12fr) minmax(0,1fr);grid-gap:56px;gap:56px;align-items:start}.panel{min-width:0;padding:0;background:transparent}.panel h2{font-size:16px;margin:0 0 28px;padding-bottom:14px;border-bottom:2px solid var(--text);letter-spacing:-.4px}.field{display:flex;flex-direction:column;gap:8px;margin-bottom:24px;min-width:0}.field label{font-size:13px;font-weight:650}.hint{font-size:12px;color:var(--muted);line-height:1.7}.inp{display:flex;align-items:center;border:1px solid #b9c1b3;background:var(--surface);min-height:52px}.inp:focus-within{border-color:var(--primary);outline:1px solid var(--primary)}.inp input,.inp select{width:100%;flex:1 1;min-width:0;outline:0;border:0;background:transparent;padding:12px 14px;color:var(--text);text-align:right;font-size:19px;font-weight:550;font-feature-settings:"tnum";font-variant-numeric:tabular-nums}.inp select{text-align:left;font-size:15px}.inp .unit{padding:0 14px;font-size:12px;color:var(--muted);white-space:nowrap}.seg{display:flex;flex-wrap:wrap;gap:0;border:1px solid #b9c1b3;background:var(--surface)}.seg button{flex:1 1 auto;border:0;border-right:1px solid var(--line);background:transparent;padding:12px 9px;cursor:pointer;font-size:12px;color:#555e50;font-weight:550;min-height:45px}.seg button:last-child{border-right:0}.seg button[aria-pressed=true]{background:var(--text);color:#fff}.seg button:hover{box-shadow:inset 0 -2px var(--primary)}.row2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:20px;gap:20px;align-items:start}.chips{display:flex;gap:0;flex-wrap:wrap}.chips button{background:none;border:0;border-right:1px solid var(--line);padding:3px 13px;min-height:32px;color:var(--muted);font-size:11px;cursor:pointer}.chips button:first-child{padding-left:0}.chips button:last-child{border-right:0}.chips button:hover{color:var(--primary);text-decoration:underline}.result{position:-webkit-sticky;position:sticky;top:110px;background:#eeece3;padding:27px 29px 25px;border-top:3px solid var(--primary)}.result h2{border:0;font-size:12px;font-weight:650;color:var(--muted);padding:0;margin:0 0 26px}.kpi{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:0;gap:0;margin:0 0 25px}.kpi>div{padding:18px 0;border-bottom:1px solid #d1d4c7;min-width:0}.kpi>div:not(.wide):nth-child(odd){padding-left:18px;border-left:1px solid #d1d4c7}.kpi>div.wide{grid-column:1/-1;padding-top:0;padding-bottom:25px}.kpi .k{font-size:12px;color:var(--muted);margin-bottom:7px}.kpi .v{font-size:23px;font-weight:750;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;letter-spacing:-1px;line-height:1.45;overflow-wrap:anywhere}.kpi .v.big{font-size:clamp(28px,3.8vw,44px);color:var(--text);letter-spacing:-1.8px}.lines{font-size:13px}.lines>div{display:flex;justify-content:space-between;align-items:baseline;gap:18px;padding:10px 0;border-bottom:1px solid #d9dcd1;font-feature-settings:"tnum";font-variant-numeric:tabular-nums}.lines>div>span:last-child{text-align:right;flex-shrink:0}.lines>div:last-child{border:0}.lines .sub{color:var(--muted)}.lines .total{font-weight:750}.note{font-size:12px;color:var(--muted);margin-top:19px;line-height:1.85}.sched{margin-top:25px}.sched .tbl table{min-width:560px;font-size:12px}.sched td,.sched th{text-align:right;padding:8px}.linkbtn{background:none;border:0;padding:5px 0;color:var(--primary);font-size:13px;text-decoration:underline;text-underline-offset:4px;cursor:pointer}.calc-explain{margin-top:70px;border-top:1px solid var(--text);padding-top:28px!important}.calc-explain h2{font-size:26px;margin:30px 0 15px;letter-spacing:-1px}.calc-explain h3{font-size:18px;margin:25px 0 12px}.calc-explain li,.calc-explain p{font-size:16px}.calc-explain ul{padding-left:22px}.article{padding:12px 0 35px;background:transparent}.article-meta{display:flex;flex-wrap:wrap;gap:8px 16px;color:var(--muted);font-size:12px;margin:22px 0 30px;padding-bottom:22px;border-bottom:1px solid var(--text)}.article-body{font-size:17px;line-height:1.95;letter-spacing:-.2px}.article-body h2{font-size:27px;margin:52px 0 20px;line-height:1.45;letter-spacing:-1px}.article-body h3{font-size:20px;margin:30px 0 14px}.article-body p{margin:0 0 22px}.article-body ol,.article-body ul{padding-left:23px;margin:0 0 24px}.article-body li{margin:7px 0}.article-body a,.doc a,.sources a{color:var(--primary);text-decoration:underline;text-underline-offset:4px}.article-body blockquote{border-left:3px solid var(--primary);padding:4px 0 4px 24px;margin:28px 0;color:var(--muted)}.article-body blockquote p:last-child{margin:0}.article-body code{font-family:var(--mono);font-size:.9em;background:var(--info-soft);padding:2px 5px}.article-body pre{overflow-x:auto;background:var(--text);color:white;padding:20px;font-size:13px}.article-body pre code{background:none}.article-body hr{border:0;border-top:1px solid var(--line);margin:35px 0}.tbl{overflow-x:auto;margin:25px 0;border-top:2px solid var(--text);border-bottom:1px solid var(--line)}.tbl table{width:100%;min-width:480px;border-collapse:collapse;font-size:14px}.tbl td,.tbl th{padding:13px 14px;border-bottom:1px solid var(--line);vertical-align:top;text-align:left;word-break:keep-all;overflow-wrap:normal}.tbl th{background:#eeece3;font-weight:650;white-space:nowrap}.tbl tr:last-child td{border-bottom:0}.toc{padding:20px 24px;margin:0 0 35px;background:#f0eee7;font-size:14px;border-left:2px solid var(--text)}.toc strong{display:block;margin-bottom:10px}.toc ol{padding-left:20px;margin:0}.toc li{margin:5px 0}.toc li.d3{margin-left:15px;font-size:13px}.box{padding:20px 24px;margin:26px 0;font-size:14px;border-left:2px solid var(--primary)}.box.notice{background:var(--warn-soft);color:var(--warn-ink)}.box.info{background:var(--info-soft)}.box p{margin:0 0 10px}.box p:last-child{margin:0}.sources{margin-top:45px;padding-top:20px;border-top:1px solid var(--text)}.sources h2{font-size:16px;margin:0 0 14px}.sources ol{padding-left:20px;margin:0;font-size:13px;color:var(--muted)}.sources li{margin:7px 0}.faq{margin-top:45px}.faq h2,.related h2{font-size:23px;margin:0 0 20px;letter-spacing:-.6px}.faq details{border-bottom:1px solid var(--line);padding:18px 0}.faq summary{cursor:pointer;font-weight:650;font-size:15px}.faq details p{font-size:15px;margin:16px 0 0}.related{margin-top:50px}.doc{padding:12px 0 35px}.doc h2{font-size:24px;margin:38px 0 14px;letter-spacing:-.6px}.doc h3{font-size:18px;margin:25px 0 12px}.doc li,.doc p{font-size:16px}.doc ol,.doc ul{padding-left:22px}.ft{background:#eeece3;border-top:1px solid var(--text);padding:36px 0 30px;font-size:12px;color:var(--muted)}.footer-brand{font-family:Georgia,serif;font-size:29px;font-weight:700;letter-spacing:-1.3px;color:var(--text);display:flex;align-items:baseline;margin-bottom:25px}.footer-brand small{font-family:var(--font);font-size:11px;font-weight:400;letter-spacing:0;margin-left:22px;color:var(--muted)}.ft-links{display:flex;gap:12px 24px;flex-wrap:wrap;margin-bottom:20px}.ft-links a{color:var(--text);font-weight:650}.ft p{max-width:900px;margin:8px 0;line-height:1.85}@media(min-width:821px){.result .kpi>div:only-child{padding-left:0;border-left:0}}@media(max-width:1000px){.nav{gap:17px}.logo-korean{display:none}.home-lead{gap:32px}.calc{gap:30px}.result{padding:24px}.journal-grid{gap:25px}.home-intro h1{font-size:48px}.hd-in{gap:25px}}@media(max-width:820px){.hd-in{display:block;padding-top:20px;min-height:0}.logo-word{font-size:31px}.logo-korean{display:block}.nav{margin-top:12px;gap:25px}.nav a{padding:12px 0;font-size:12px}.hd{position:relative}.wrap{padding:0 22px}main{padding:26px 0 60px}.home-lead{grid-template-columns:1fr;gap:30px}.home-intro{padding-top:8px}.home-intro h1{font-size:48px;letter-spacing:-2.6px}.intro-foot{padding-top:25px}.lead-story{min-height:335px}.story-content{margin-top:65px}.story-content h2{font-size:27px}.tool-row{gap:15px;padding-right:15px}.tool-row:nth-child(2n){padding-left:18px}.tool-row h3{font-size:16px}.tool-number{font-size:23px;width:25px}.journal-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.calc{grid-template-columns:minmax(0,1fr);gap:32px}.result{position:static;padding:26px}.kpi .v.big{font-size:40px}.calc-switcher{margin-bottom:27px;gap:22px}.page-hd h1{font-size:34px}.article-wrap{padding:0 22px}.sec{margin-top:48px}.sec-hd h2{font-size:24px}.editorial-note{gap:20px 30px}.editorial-note h2{font-size:29px}.calc-explain{margin-top:45px}}@media(max-width:520px){.home-intro h1{font-size:43px}.lead-copy{font-size:14px}.home-lead{padding-bottom:28px}.tool-directory{grid-template-columns:1fr}.tool-row,.tool-row:nth-child(2n){padding:20px 0;border-left:0}.tool-row h3{font-size:18px}.tool-number{width:35px}.journal-grid{grid-template-columns:1fr;gap:23px}.journal-story h3{font-size:23px;margin-top:10px}.journal-story>p{margin-bottom:18px}.editorial-note{grid-template-columns:1fr}.editorial-note h2{font-size:32px}.page-hd h1{font-size:30px;letter-spacing:-1.3px}.page-hd>p{font-size:14px}.result{padding:23px 20px}.kpi .v.big{font-size:34px;letter-spacing:-1.5px}.kpi .v{font-size:21px}.lines{font-size:12px}.lines>div{gap:12px}.lines>div>span:last-child{flex-shrink:1;min-width:85px}.row2{gap:14px}.inp input{font-size:17px;padding:12px 10px}.inp .unit{padding:0 10px}.seg button{font-size:11px;padding:11px 8px}.field{margin-bottom:22px}.article-body{font-size:16px}.article-body h2{font-size:24px}.footer-brand{flex-wrap:wrap}.footer-brand small{width:100%;margin:8px 0 0}.topic-list a{margin-right:16px;padding:14px 0;gap:10px;font-size:14px}.sec-hd>a{font-size:11px}.story-top{font-size:10px}.lead-story{padding:22px}.grid{grid-template-columns:1fr}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}@media print{.calc-switcher,.chips,.ft,.hd,.skip-link{display:none}body{background:white}.result{position:static}.article-wrap,.wrap{max-width:none;padding:0}main{padding:0}.calc{gap:24px}.panel{page-break-inside:avoid;break-inside:avoid}a{color:inherit}.home-lead{page-break-inside:avoid;break-inside:avoid}}.article-toc{background:transparent;border:1px solid var(--line);padding:16px 20px;margin:24px 0 32px}.article-toc summary{cursor:pointer;font-weight:650;font-size:14px}.article-toc summary span{float:right;font-weight:400;color:var(--muted);font-size:12px}.article-toc nav{padding-top:16px}.chapter-number{display:block;font-family:Georgia,serif;font-size:18px;color:var(--primary);font-weight:400;letter-spacing:1px;margin-bottom:10px}.article-body figure{margin:32px 0 40px;letter-spacing:-.3px}.news-feature{background:#263d37;color:#fff;padding:32px}.article-body figcaption{display:block;line-height:1.45}.news-kicker{display:block;font-size:10px;letter-spacing:1.5px;font-weight:650;margin-bottom:16px;color:var(--primary)}.news-feature .news-kicker{color:#cbd8bb}.article-body figcaption>strong{display:block;font-size:25px;letter-spacing:-1px;line-height:1.45;font-weight:750}.news-feature figcaption>strong{font-size:32px;line-height:1.4}.article-body .news-context{font-size:13px;margin:16px 0 25px;color:#d5dfd8}.news-versus{display:grid;grid-template-columns:1fr 1fr;grid-gap:30px;gap:30px}.news-versus>div>span{display:block;font-size:12px;color:#d5dfd8}.news-versus>div>strong{display:block;font-size:48px;line-height:1.4;letter-spacing:-2px;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;margin:10px 0 3px}.news-versus small{font-size:16px;margin-left:5px;letter-spacing:0}.news-versus>div:last-child>strong{color:#e1edb4}.news-bar{height:7px;background:#4a5d56;margin-top:15px}.news-bar i{display:block;height:100%;width:var(--bar);background:#b6c8bb}.news-versus>div:last-child .news-bar i{background:#e1edb4}.article-body .news-caption{font-size:12px;line-height:1.85;margin:23px 0 0;color:var(--muted)}.news-feature .news-caption{color:#d5dfd8;border-top:1px solid #566a60;padding-top:18px}.news-step{padding:28px;background:#f0e8d9;border:1px solid #e3d7c2}.news-step-green{background:#eaf0e8;border-color:#d4dfd0}.news-equation{display:flex;align-items:center;justify-content:space-between;gap:10px;margin:26px 0 5px}.news-equation>div{min-width:0}.news-equation span{display:block;font-size:11px;color:var(--muted);line-height:1.5}.news-equation strong{display:block;font-size:24px;line-height:1.5;letter-spacing:-1px;margin-top:8px}.news-equation>b{font-size:20px;font-weight:400;color:#9b8970}.news-threshold{display:grid;grid-template-columns:5fr 3fr;margin-top:25px;font-size:11px;text-align:center;line-height:2.7}.news-threshold span:first-child{background:#ded5c3;color:#5e5748}.news-threshold span:last-child{background:#99452f;color:white}.news-figure{padding:28px;background:#eeeae1;border:1px solid #dfdbd1}.news-options{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:14px;gap:14px;margin-top:24px}.news-option{background:var(--surface);padding:20px;min-width:0;border-top:3px solid #b7b6a5}.news-option:nth-child(2n){border-top-color:#55715b}.news-option-label{display:flex;gap:12px;align-items:baseline;line-height:1.6}.news-option-label>span{font-family:Georgia,serif;font-size:15px;color:#8a927d}.news-option-label>strong{font-size:16px}.news-option dl{margin:16px 0 0}.news-option dl>div{padding:10px 0;border-top:1px solid var(--line)}.news-option dt{font-size:11px;color:var(--muted);line-height:1.6}.news-option dd{margin:5px 0 0;font-size:18px;font-weight:650;line-height:1.5;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;overflow-wrap:anywhere}.news-table{border-top:1px solid #cac9bd;margin-top:22px;padding-top:14px}.news-table summary{font-size:12px;cursor:pointer;color:#545d4f;font-weight:600}.news-table .tbl{margin-bottom:0}.news-figure .news-option:last-child:nth-child(odd),.news-options>.news-option:only-child{grid-column:1/-1}.news-figure .news-option:last-child:nth-child(odd) dl{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:0 20px;gap:0 20px}@media(max-width:520px){.article-body .news-feature,.article-body .news-figure,.article-body .news-step{padding:23px 18px;margin:28px -4px 34px}.news-feature figcaption>strong{font-size:27px}.article-body figcaption>strong{font-size:23px}.news-versus{gap:18px}.news-versus>div>strong{font-size:36px}.news-versus small{font-size:13px}.news-equation{flex-direction:column;align-items:stretch;gap:8px;margin-top:22px}.news-equation>div{display:flex;justify-content:space-between;align-items:center;gap:15px}.news-equation strong{font-size:24px;margin:0;white-space:nowrap}.news-equation span{font-size:12px;max-width:135px}.news-equation>b{text-align:right;padding-right:45px;line-height:1}.news-options{grid-template-columns:1fr;gap:12px}.news-option{padding:17px}.news-figure .news-option:last-child:nth-child(odd) dl,.news-option dl{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:0 16px;gap:0 16px}.news-option dd{font-size:17px}.news-option-label>strong{font-size:16px}.news-kicker{font-size:10px}.news-option dl>div:only-child{grid-column:1/-1}.article-toc summary span{float:none;margin-left:12px}}@media print{.news-feature,.news-figure,.news-step{page-break-inside:avoid;break-inside:avoid;print-color-adjust:exact}.news-table,.news-table>.tbl{display:block}}.analytics-control{background:#eeece3;padding:0 22px 20px;text-align:center}.privacy-settings{border:0;border-bottom:1px solid;background:transparent;font-size:12px;color:var(--muted);cursor:pointer;padding:5px}.consent-panel{position:fixed;bottom:20px;left:20px;z-index:50;max-width:460px;background:var(--surface);border:1px solid var(--text);padding:22px;text-align:left;box-shadow:0 5px 25px #24282218}.consent-panel>strong{font-size:16px}.consent-panel p{font-size:13px;line-height:1.8;color:var(--muted);margin:12px 0 18px}.consent-panel a{text-decoration:underline}.consent-panel>div{display:flex;gap:12px}.consent-panel button{flex:1 1;min-height:44px;padding:8px 12px;border:1px solid var(--text);background:var(--surface);color:var(--text);font-size:13px;cursor:pointer}.consent-panel button:last-child{background:var(--text);color:white}@media(max-width:520px){.consent-panel{left:12px;right:12px;bottom:12px;padding:18px;max-width:none}}.deposit-switch .switch-intro{font-size:14px;line-height:1.85;margin:-10px 0 12px;color:var(--muted)}.switch-actions{display:flex;gap:24px;margin-bottom:22px}.switch-example{font-size:12px;padding:12px 15px;background:#f0e7d8;margin-bottom:20px}.switch-period{font-size:12px;color:var(--muted);margin:-12px 0 24px}.switch-empty{min-height:180px;padding:12px 0;line-height:1.9}.switch-threshold{margin-top:25px;padding-top:20px;border-top:2px solid var(--text)}.switch-threshold>span{font-size:12px;display:block}.switch-threshold strong{font-size:28px;display:block;margin-top:8px;font-feature-settings:"tnum";font-variant-numeric:tabular-nums}.switch-threshold p{font-size:12px;color:var(--muted);line-height:1.8}.switch-scenarios{margin-top:24px;font-size:12px}.switch-scenarios summary{cursor:pointer;font-weight:700;padding:12px 0}.switch-scenarios table{font-size:12px;min-width:360px}.deposit-switch .inp input[type=date]{min-width:0;max-width:100%}@media(max-width:520px){.deposit-switch .row2{grid-template-columns:1fr}.switch-threshold strong{font-size:25px}.deposit-switch .kpi .v:not(.big){font-size:19px}}.retire-calc .retire-intro{font-size:14px;color:var(--muted);margin:0 0 15px;line-height:1.85}.retire-details{border-top:1px solid var(--line);margin:22px 0 18px;padding-top:8px}.retire-details summary{padding:12px 0;cursor:pointer;font-size:13px;font-weight:700}.retire-details>.field{margin-top:15px}.retire-notice{padding:16px 18px;background:var(--warn-soft);color:var(--warn-ink);font-size:13px;line-height:1.85}.retire-comparison{padding:17px 0;border-top:1px solid var(--line)}.retire-comparison strong{font-size:17px}.retire-comparison p{font-size:12px;color:var(--muted)}.retire-next{margin-top:28px;padding-top:20px;border-top:2px solid var(--text)}.retire-next h3{font-size:15px;margin:0 0 12px}.retire-next ul{padding-left:18px;font-size:12px;color:var(--muted);line-height:1.9}.retire-next a{font-size:12px;text-decoration:underline}.retire-copy{margin-top:24px;margin-bottom:8px}.retire-copy-text{width:100%;min-height:200px;padding:12px;border:1px solid var(--line);font:inherit;font-size:12px;background:var(--surface);color:var(--text)}.retire-calc .inp input[type=date]{min-width:0;max-width:100%}.retire-calc .kpi .v:not(.big){font-size:23px}@media(max-width:520px){.retire-calc .row2{grid-template-columns:1fr}.retire-calc .kpi .v:not(.big){font-size:19px}.retire-calc .seg button{font-size:12px;padding:12px 8px}}