:root{--color-bg:#f8f9fa;--color-surface:#fff;--color-surface-lighter:#f1f3f5;--color-primary:#009855;--color-primary-light:#e6fcf5;--color-text-main:#212529;--color-text-sub:#868e96;--color-border:#dee2e6;--shadow-main:0 4px 20px #0000000d;--safe-area-top:env(safe-area-inset-top,0px);--safe-area-bottom:env(safe-area-inset-bottom,20px);--font-main:"Pretendard", sans-serif}body.dark-mode{--color-bg:#121212;--color-surface:#1e1e1e;--color-surface-lighter:#2c2c2c;--color-primary:#00e676;--color-primary-light:#00e6761a;--color-text-main:#fff;--color-text-sub:#a0a0a0;--color-border:#333;--shadow-main:0 4px 20px #0000004d}*{box-sizing:border-box;-webkit-tap-highlight-color:transparent;margin:0;padding:0}body{font-family:var(--font-main);background-color:var(--color-bg);color:var(--color-text-main);padding-bottom:calc(80px + var(--safe-area-bottom));font-size:clamp(16px,1.2vw,18px);line-height:1.5;transition:background-color .3s,color .3s;overflow-x:hidden}.background-globes{z-index:-1;opacity:.5;width:100%;height:100vh;position:fixed;top:0;left:0;overflow:hidden}body:not(.dark-mode) .background-globes{opacity:.1}.globe{filter:blur(60px);opacity:.3;border-radius:50%;position:absolute}.globe-1{background:var(--color-primary);opacity:.1;width:300px;height:300px;top:-50px;right:-100px}.globe-2{opacity:.1;background:#4dabf7;width:250px;height:250px;bottom:10%;left:-50px}.app-bar{padding-top:var(--safe-area-top);height:calc(56px + var(--safe-area-top));-webkit-backdrop-filter:blur(10px);border-bottom:1px solid var(--color-border);z-index:100;background:#ffffffd9;justify-content:space-between;align-items:center;padding-left:20px;padding-right:20px;transition:background-color .3s,border-color .3s;display:flex;position:sticky;top:0}body.dark-mode .app-bar{background:#121212d9}.app-title{font-size:1.2rem;font-weight:700}.theme-btn{cursor:pointer;background:0 0;border:none;border-radius:50%;justify-content:center;align-items:center;padding:8px;font-size:1.4rem;display:flex}.theme-btn .icon-moon,.theme-btn .icon-sun{display:none}body:not(.dark-mode) .theme-btn .icon-moon,body.dark-mode .theme-btn .icon-sun{display:block}.app-content{width:100%;max-width:600px;margin:0 auto;padding:24px 20px}.section-title{color:var(--color-text-main);margin-bottom:8px;font-size:1.6rem;font-weight:700}.section-desc{color:var(--color-text-sub);margin-bottom:32px;font-size:1rem}.input-group{margin-bottom:24px}.input-group label{color:var(--color-text-sub);margin-bottom:8px;font-size:.95rem;font-weight:600;display:block}input[type=date],input[type=tel],input[type=text]{background:var(--color-surface);border:1px solid var(--color-border);width:100%;height:56px;color:var(--color-text-main);font-size:1.1rem;font-family:var(--font-main);box-shadow:var(--shadow-main);border-radius:12px;padding:0 16px;transition:all .2s}input:focus{border-color:var(--color-primary);box-shadow:0 0 0 2px var(--color-primary-light);outline:none}body.dark-mode input[type=date]::-webkit-calendar-picker-indicator{filter:invert();opacity:.6}.currency-input-wrapper{align-items:center;display:flex;position:relative}.currency-input-wrapper input{text-align:right;padding-right:40px;font-size:1.4rem;font-weight:700}.currency-unit{color:var(--color-text-sub);pointer-events:none;position:absolute;right:16px}.input-hint{color:var(--color-text-sub);text-align:right;margin-top:8px;font-size:.85rem}.highlight-text{color:var(--color-primary);font-weight:700}.toggle-switch-container{width:100%}.toggle-input{display:none}.toggle-label{background:var(--color-surface);border:1px solid var(--color-border);cursor:pointer;height:56px;box-shadow:var(--shadow-main);border-radius:12px;display:flex;position:relative;overflow:hidden}.toggle-text{z-index:2;color:var(--color-text-sub);flex:1;justify-content:center;align-items:center;font-size:1rem;transition:color .3s;display:flex;position:relative}.toggle-handle{background:var(--color-surface-lighter);z-index:1;border-radius:8px;width:calc(50% - 4px);height:calc(100% - 8px);transition:transform .3s cubic-bezier(.2,.8,.2,1);position:absolute;top:4px;left:4px}body.dark-mode .toggle-handle{background:#333}.toggle-input:checked+.toggle-label .toggle-handle{background:var(--color-primary-light);border:1px solid var(--color-primary);transform:translate(100%)}.toggle-input:checked+.toggle-label .toggle-text.on{color:var(--color-primary);font-weight:700}.toggle-input:not(:checked)+.toggle-label .toggle-text.off{color:var(--color-text-main);font-weight:700}.radio-group-modern{grid-template-columns:1fr 1fr;gap:12px;display:grid}.radio-card{cursor:pointer;position:relative}.radio-card input{opacity:0;position:absolute}.radio-content{background:var(--color-surface);border:1px solid var(--color-border);height:100%;min-height:80px;box-shadow:var(--shadow-main);border-radius:12px;flex-direction:column;justify-content:center;align-items:center;padding:16px 12px;transition:all .2s;display:flex}.radio-title{color:var(--color-text-main);margin-bottom:4px;font-size:1rem;font-weight:600}.radio-desc{color:var(--color-text-sub);font-size:.85rem}.radio-card input:checked+.radio-content{border-color:var(--color-primary);background:var(--color-primary-light)}.radio-card input:checked+.radio-content .radio-title{color:var(--color-primary)}.fixed-bottom-bar{background:var(--color-bg);width:100%;padding:12px 20px calc(12px + var(--safe-area-bottom));border-top:1px solid var(--color-border);z-index:90;transition:background-color .3s;position:fixed;bottom:0;left:0;box-shadow:0 -5px 20px #0000000d}.btn-primary{background:var(--color-primary);color:#fff;cursor:pointer;border:none;border-radius:16px;justify-content:center;align-items:center;width:100%;height:56px;font-size:1.1rem;font-weight:700;transition:transform .1s,opacity .2s;display:flex}.btn-primary:active{transform:scale(.98)}.bottom-sheet{z-index:200;visibility:hidden;pointer-events:none;justify-content:center;width:100%;height:100%;display:flex;position:fixed;top:0;left:0}.bottom-sheet.active{visibility:visible;pointer-events:auto}.sheet-overlay{opacity:0;background:#0009;width:100%;height:100%;transition:opacity .3s;position:absolute;top:0;left:0}.bottom-sheet.active .sheet-overlay{opacity:1}.sheet-content{background:var(--color-bg);border-radius:24px 24px 0 0;flex-direction:column;width:100%;max-width:600px;max-height:90vh;transition:transform .3s cubic-bezier(.2,.8,.2,1);display:flex;position:absolute;bottom:0;transform:translateY(100%);box-shadow:0 -10px 40px #0000001a}.bottom-sheet.active .sheet-content{transform:translateY(0)}.sheet-handle-bar{justify-content:center;padding:12px 0 8px;display:flex}.sheet-handle{background:var(--color-border);border-radius:4px;width:40px;height:4px}.sheet-header{border-bottom:1px solid var(--color-border);justify-content:space-between;align-items:center;padding:12px 24px 20px;display:flex}.sheet-header h3{color:var(--color-text-main);font-size:1.3rem}.close-btn{color:var(--color-text-sub);cursor:pointer;font-size:2rem;line-height:1}.sheet-body{-webkit-overflow-scrolling:touch;padding:24px;overflow-y:auto}.summary-chips{gap:8px;margin-bottom:24px;display:flex}.chip{background:var(--color-surface);border:1px solid var(--color-border);color:var(--color-text-sub);border-radius:8px;padding:6px 12px;font-size:.9rem}.chip span{color:var(--color-text-main);font-weight:600}.result-item{background:var(--color-surface);border:1px solid var(--color-border);box-shadow:var(--shadow-main);border-radius:16px;margin-bottom:16px;padding:20px}.result-item.highlight{background:var(--color-primary-light);border-color:var(--color-primary)}.item-header{justify-content:space-between;margin-bottom:12px;display:flex}.item-title{color:var(--color-text-sub);font-size:1rem}.badge-best{background:var(--color-primary);color:#fff;border-radius:4px;padding:2px 8px;font-size:.75rem;font-weight:700}.item-amount{color:var(--color-primary);font-size:2rem;font-weight:700}.result-grid{grid-template-columns:1fr 1fr 1fr;gap:8px;display:grid}.result-item-small{background:var(--color-surface);text-align:center;border:1px solid var(--color-border);border-radius:12px;padding:12px}.result-item-small .label{color:var(--color-text-sub);margin-bottom:4px;font-size:.8rem;display:block}.result-item-small .val{color:var(--color-text-main);font-size:1rem;font-weight:600;display:block}.disclaimer-box{background:var(--color-surface-lighter);color:var(--color-text-sub);border-radius:8px;margin-top:24px;padding:12px;font-size:.75rem;line-height:1.4}.sheet-footer{padding:20px 24px calc(20px + var(--safe-area-bottom));background:var(--color-bg);border-top:1px solid var(--color-border)}.btn-secondary{background:var(--color-surface);width:100%;height:52px;color:var(--color-primary);border:1px solid var(--color-border);border-radius:12px;justify-content:center;align-items:center;font-weight:600;text-decoration:none;display:flex}.hidden{display:none}.exit-modal{z-index:300;opacity:0;pointer-events:none;justify-content:center;align-items:center;width:100%;height:100%;padding:20px;transition:opacity .2s;display:flex;position:fixed;top:0;left:0}.exit-modal.visible{opacity:1;pointer-events:auto}.modal-overlay{-webkit-backdrop-filter:blur(5px);backdrop-filter:blur(5px);background:#0009;width:100%;height:100%;position:absolute;top:0;left:0}.modal-content{background:var(--color-surface);border:1px solid var(--color-border);z-index:2;text-align:center;border-radius:20px;width:100%;max-width:320px;padding:24px;transition:transform .2s;position:relative;transform:scale(.9);box-shadow:0 10px 40px #0003}.exit-modal.visible .modal-content{transform:scale(1)}.modal-title{color:var(--color-text-main);margin-bottom:20px;font-size:1.2rem}.ad-container{background:var(--color-surface-lighter);border-radius:8px;justify-content:center;align-items:center;min-height:250px;margin-bottom:24px;display:flex;overflow:hidden}.modal-buttons{gap:12px;display:flex}.modal-buttons button{cursor:pointer;border:none;border-radius:12px;flex:1;padding:14px;font-weight:600}.btn-cancel{background:var(--color-surface-lighter);color:var(--color-text-main)}.btn-confirm{color:#fff;background:#ef4444}@media screen and (width>=768px){.app-content{max-width:720px;padding-top:40px}#pensionForm{grid-template-columns:1fr 1fr;align-items:start;gap:20px;display:grid}#pensionForm>:nth-child(2){grid-area:1/2/auto/3}#pensionForm>:nth-child(3),#pensionForm>:nth-child(4),#pensionForm>:nth-child(5){grid-column:1/-1}.radio-group-modern{grid-template-columns:1fr 1fr}.bottom-spacer{display:none}.sheet-content{opacity:0;pointer-events:none;border-radius:24px;max-width:500px;max-height:85vh;transition:opacity .3s,transform .3s;bottom:50%;left:50%;box-shadow:0 20px 60px #0003;transform:translate(-50%,50%)!important}.bottom-sheet.active .sheet-content{opacity:1;pointer-events:auto;transform:translate(-50%,-50%)!important}.sheet-handle-bar{display:none}.sheet-footer{border-radius:0 0 24px 24px}.fixed-bottom-bar{box-shadow:none;background:0 0;border:none;grid-column:1/-1;justify-content:center;padding:40px 0;display:flex;position:static}.btn-primary{max-width:300px;box-shadow:0 10px 20px #00985533}body{padding-bottom:0}}@media screen and (orientation:landscape) and (height<=600px){.app-bar{height:48px}.app-content{padding-top:10px}.fixed-bottom-bar{padding:8px 16px}.btn-primary{height:44px}.bottom-sheet .sheet-content{border-radius:0;max-height:100vh}}.banner-link{background:var(--color-surface);border:1px solid var(--color-primary);color:var(--color-text-main);border-radius:16px;align-items:center;margin-bottom:24px;padding:16px;text-decoration:none;transition:transform .2s;display:flex;box-shadow:0 4px 12px #00e6761a}.banner-link:active{transform:scale(.98)}.banner-icon{margin-right:12px;font-size:1.5rem}.banner-text{flex-direction:column;flex:1;display:flex}.banner-title{color:var(--color-primary);margin-bottom:2px;font-size:.95rem;font-weight:700}.banner-desc{color:var(--color-text-sub);font-size:.85rem}.banner-arrow{color:var(--color-text-sub);font-weight:600}