/* 모기지아재 공용 스타일 — 카드뉴스 brand.json 과 같은 색·글꼴 */
:root{
  --cream:#F6F1E7; --paper:#FBF8F1; --ink:#14161F; --blue:#324CA8; --blue-soft:#C9D1EE;
  --yellow:#FACC15; --muted:#5A5A52; --line:#CFC7B2;
  --f-display:'Black Han Sans','Noto Sans KR',sans-serif;
  --f-body:'Gowun Dodum','Noto Sans KR',sans-serif;
  --wrap:1120px; --gutter:20px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--cream);color:var(--ink);font-family:var(--f-body);font-size:17px;line-height:1.7;word-break:keep-all;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gutter)}
.disp{font-family:var(--f-display);font-weight:400;letter-spacing:-.5px;line-height:1.25;margin:0}
.b{color:var(--blue)}
.y{background:linear-gradient(transparent 58%,var(--yellow) 58%);padding:0 2px}
.chip{display:inline-block;font-family:var(--f-display);color:var(--blue);font-size:22px;line-height:1.3;padding:0 4px;background:linear-gradient(transparent 58%,var(--blue-soft) 58%)}

/* 버튼·링크: 고운돋움 + 획 보강 (카드뉴스 본문과 같은 방식) */
.pill,.nav-links,.lang{font-family:var(--f-body);font-weight:400;-webkit-text-stroke:.6px currentColor}
.pill{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--blue);color:var(--cream);line-height:1;padding:16px 28px;border-radius:60px;font-size:16px;white-space:nowrap;transition:transform .15s;border:0;cursor:pointer}
.pill:hover{transform:translateY(-2px)}
.pill.ghost{background:transparent;color:var(--ink);box-shadow:inset 0 0 0 2px var(--ink)}
.pill.yellow{background:var(--yellow);color:var(--ink)}

/* 헤더 */
.site-header{position:sticky;top:0;z-index:20;background:rgba(246,241,231,.94);backdrop-filter:blur(8px);border-bottom:2px solid var(--line)}
.nav{display:flex;align-items:center;gap:28px;height:68px}
.brand{display:flex;align-items:center;gap:10px}
.brand img{height:44px;width:auto}
.brand span{font-family:var(--f-display);font-size:24px}
.nav-links{display:flex;gap:24px;margin-left:auto;font-size:15px}
.nav-links a:hover,.nav-links a[aria-current]{color:var(--blue)}
.lang{display:flex;border:2px solid var(--ink);border-radius:40px;overflow:hidden;font-size:13px}
.lang a{padding:4px 10px}
.lang .on{background:var(--ink);color:var(--cream)}
.nav .pill{padding:11px 20px;font-size:15px}

/* 상담 띠 */
.cta{background:var(--blue);color:var(--cream);padding:44px 0}
.cta .wrap{display:flex;justify-content:space-between;gap:32px;align-items:center}
.cta h2{font-size:clamp(26px,3.2vw,38px)}
.cta p{color:#E4E8F6;font-size:16px;margin:8px 0 0;max-width:34em}

/* 꼬리말 */
.site-footer{padding:40px 0 48px;font-size:14px;color:var(--muted);line-height:1.8}
.site-footer .rule{border-top:3px solid var(--line);padding-top:22px;display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
.site-footer strong{color:var(--ink)}
.site-footer .note{margin:18px 0 0;font-size:13px}

/* 뉴스레터 목록 */
.nl-hero{padding:56px 0 32px}
.nl-hero h1{font-size:clamp(32px,4.4vw,52px);margin-top:12px}
.nl-hero p{color:var(--muted);margin:16px 0 0;max-width:36em}
.nl-month{padding:28px 0 8px;border-top:2px solid var(--line)}
.nl-month h2{font-size:24px;margin:0 0 16px}
.nl-list{display:grid;gap:14px;padding:0;margin:0 0 24px;list-style:none}
.nl-item a{display:grid;grid-template-columns:130px 1fr;gap:20px;background:var(--paper);border:2px solid var(--line);border-radius:8px;padding:20px 22px;transition:border-color .15s,transform .15s}
.nl-item a:hover{border-color:var(--blue);transform:translateY(-2px)}
.nl-date{font-family:var(--f-display);color:var(--blue);font-size:18px;line-height:1.2}
.nl-date small{display:block;font-family:var(--f-body);color:var(--muted);font-size:13px;margin-top:6px}
.nl-item h3{font-family:var(--f-body);-webkit-text-stroke:.5px currentColor;font-weight:400;font-size:19px;line-height:1.45;margin:0 0 6px}
.nl-item p{margin:0;color:var(--muted);font-size:15px;line-height:1.6}
.tag-brief{display:inline-block;font-size:12px;background:var(--blue-soft);color:var(--blue);border-radius:20px;padding:1px 8px;margin-left:6px;vertical-align:2px}

/* 뉴스레터 본문 */
.crumb{max-width:760px;padding-top:28px;font-size:14px;color:var(--muted)}
.crumb a{color:var(--blue)}
.article{max-width:760px;margin:0 auto;padding:16px var(--gutter) 56px}
.article h1{font-size:clamp(28px,4.2vw,44px);margin:12px 0 18px;line-height:1.3}
.dated{background:var(--paper);border:2px solid var(--line);border-left:6px solid var(--yellow);border-radius:6px;padding:14px 18px;font-size:15px;color:var(--muted);margin:0 0 32px}
.dated strong{color:var(--ink)}
.article .lede{font-size:18px}
.article h2{font-family:var(--f-display);font-weight:400;font-size:24px;margin:40px 0 14px;padding-top:24px;border-top:2px solid var(--line)}
.article p{margin:0 0 16px}
.article ul{margin:0 0 16px;padding-left:1.2em}
.article li{margin:0 0 10px}
.article li::marker{color:var(--blue)}
.article strong{-webkit-text-stroke:.5px currentColor;font-weight:400;color:var(--ink)}
.sig{margin:36px 0 0;padding-left:14px;border-left:3px solid var(--blue);font-size:14px;color:var(--muted);line-height:1.6}
.sig b{color:var(--ink);font-size:16px;font-weight:400;-webkit-text-stroke:.5px currentColor}
.sources{margin-top:40px;padding:20px 22px;background:var(--paper);border:2px solid var(--line);border-radius:8px;font-size:14px}
.sources h2{margin:0 0 10px;padding:0;border:0;font-size:18px}
.sources p{margin:0 0 10px;color:var(--muted)}
.sources ol{margin:0;padding-left:1.3em}
.sources li{margin:0 0 6px;word-break:break-all}
.sources a{color:var(--blue);text-decoration:underline}
.pager{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:40px}
.pager a{display:block;border:2px solid var(--line);border-radius:8px;padding:14px 16px;font-size:15px;line-height:1.45;background:var(--paper)}
.pager a:hover{border-color:var(--blue)}
.pager small{display:block;color:var(--muted);font-size:13px;margin-bottom:4px}
.pager .next{text-align:right}

@media (max-width:720px){
  :root{--gutter:16px}
  .nav{gap:12px;height:60px}
  .nav-links{display:none}
  .lang{margin-left:auto}
  .brand span{font-size:20px}
  .brand img{height:36px}
  .cta .wrap{flex-direction:column;align-items:flex-start;gap:20px}
  .cta{padding:36px 0}
  .nl-item a{grid-template-columns:1fr;gap:6px;padding:16px}
  .nl-date small{display:inline;margin-left:6px}
  .pager{grid-template-columns:1fr}
  .pager .next{text-align:left}
}

/* ===== 홈 ===== */
.heroC{padding:48px 0 56px}
.heroC-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.heroC h1{font-size:clamp(44px,6.4vw,80px);margin:0}
.heroC p.sub{font-size:clamp(18px,2.2vw,22px);margin:22px 0 30px;max-width:32em}
.ctas{display:flex;gap:12px;flex-wrap:wrap}
.heroC-photo{justify-self:end;width:100%;max-width:420px}
.heroC-photo img{width:100%;height:auto;aspect-ratio:4/5;object-fit:cover;object-position:50% 25%;border-radius:10px}
.heroC-photo .name{margin-top:18px;padding-left:14px;border-left:3px solid var(--blue);line-height:1.55}
.heroC-photo .nm{font-size:19px;-webkit-text-stroke:.5px currentColor}
.heroC-photo .nm span{color:var(--muted);font-size:16px;-webkit-text-stroke:0}
.heroC-photo .ttl,.heroC-photo .org{font-size:14px;color:var(--muted)}
.heroC-photo .nm,.heroC-photo .ttl,.heroC-photo .org{white-space:nowrap}
.situ{background:var(--blue);color:var(--cream);padding:30px 0}
.situ .wrap{display:flex;align-items:center;gap:32px}
.situ-h{font-size:26px;white-space:nowrap}
.situ-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;flex:1}
.situ-grid a{display:flex;align-items:center;gap:12px;padding:16px 18px;background:var(--cream);color:var(--ink);border-radius:8px;font-size:17px;-webkit-text-stroke:.6px currentColor;transition:transform .15s,background .15s}
.situ-grid a:hover{transform:translateY(-2px);background:#fff}
.situ-grid .n{color:var(--blue)}
section.block{padding:72px 0;border-top:2px solid var(--line)}
.sec-head{display:flex;justify-content:space-between;align-items:end;gap:24px;margin-bottom:36px;flex-wrap:wrap}
.sec-head h2{font-size:clamp(30px,3.6vw,44px);margin-top:12px}
.sec-head p{margin:0;color:var(--muted);max-width:28em}
.groups{display:grid;gap:44px}
.group{scroll-margin-top:90px}
.group h3{font-size:24px;margin:0 0 16px}
.grp-note{font-family:var(--f-body);font-size:14px;color:var(--muted);margin-left:8px;letter-spacing:0}
.grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.tool{background:var(--paper);border:2px solid var(--line);border-radius:6px;padding:24px 22px 20px;display:flex;flex-direction:column;min-height:210px;transition:border-color .15s,transform .15s}
a.tool:hover{border-color:var(--blue);transform:translateY(-3px)}
.tool .n{font-family:var(--f-display);color:var(--blue);font-size:34px;line-height:1}
.tool h4{font-family:var(--f-display);font-weight:400;font-size:22px;margin:14px 0 8px;line-height:1.25}
.tool p{margin:0;font-size:15px;color:var(--muted);line-height:1.55;flex-grow:1}
.tool .go{margin-top:14px;color:var(--blue);font-size:14px;-webkit-text-stroke:.6px currentColor}
.tool.soon{background:transparent;border-style:dashed}
.tool.soon .n{color:var(--line)}
.badge{display:inline-block;font-family:var(--f-body);font-size:12px;background:var(--yellow);padding:2px 8px;border-radius:20px;margin-left:6px;vertical-align:middle}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.cn img{aspect-ratio:4/5;object-fit:cover;width:100%;height:auto;border:2px solid var(--line);border-radius:6px;transition:border-color .15s}
.cn:hover img{border-color:var(--blue)}
.cn .meta{margin-top:12px;font-size:14px;color:var(--muted)}
.cn .t{font-family:var(--f-display);font-size:20px;line-height:1.3;margin-top:2px}
.home-nl{display:grid;gap:12px;padding:0;margin:0;list-style:none}
.home-nl a{display:grid;grid-template-columns:120px 1fr;gap:16px;align-items:baseline;background:var(--paper);border:2px solid var(--line);border-radius:8px;padding:16px 20px;transition:border-color .15s}
.home-nl a:hover{border-color:var(--blue)}
.home-nl .d{font-family:var(--f-display);color:var(--blue);font-size:18px}
.home-nl .t{font-size:17px;line-height:1.5;-webkit-text-stroke:.4px currentColor}

@media (max-width:960px){
  .grid{grid-template-columns:repeat(2,1fr)}
  .heroC-grid{grid-template-columns:1.15fr .85fr;gap:28px}
  .heroC-photo .nm{font-size:17px}
  .heroC-photo .nm span{font-size:14px}
  .heroC-photo .ttl,.heroC-photo .org{font-size:13px}
  .situ .wrap{flex-direction:column;align-items:stretch;gap:14px}
  .situ-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:720px){
  .heroC{padding:28px 0 40px}
  .situ-grid a{font-size:15px;padding:14px 12px;gap:8px}
  section.block{padding:56px 0}
  .cards{grid-template-columns:1fr 1fr;gap:14px}
  .cards .cn:nth-child(3){display:none}
  .home-nl a{grid-template-columns:1fr;gap:2px}
}
@media (max-width:600px){
  .heroC-grid{grid-template-columns:1fr 34%;grid-template-areas:"h img" "sub sub" "cta cta" "name name";gap:0 14px;align-items:center}
  .heroC-grid>div,.heroC-photo{display:contents}
  .heroC h1{grid-area:h;font-size:clamp(28px,8.6vw,38px)}
  .heroC-photo img{grid-area:img;border-radius:8px}
  .heroC p.sub{grid-area:sub;font-size:16px;margin:20px 0 22px}
  .heroC .ctas{grid-area:cta}
  .heroC .ctas .pill{flex:1;padding:13px 16px}
  .heroC-photo .name{grid-area:name;margin-top:26px}
}
@media (max-width:420px){
  .grid{grid-template-columns:1fr;gap:10px}
  .tool{min-height:0;display:grid;grid-template-columns:44px 1fr;column-gap:12px;padding:16px}
  .tool .n{font-size:26px;grid-row:span 3}
  .tool h4{margin:0 0 4px;font-size:19px}
  .tool .go{margin-top:8px}
}

/* ===== 계산기 페이지 ===== */
.calc-page{max-width:var(--wrap);margin:28px auto 56px;padding:0 var(--gutter)}
.calc-page h1,.calc-page h2,.calc-page h3{font-family:var(--f-display);font-weight:400;letter-spacing:-.3px}
@media (max-width:720px){.calc-page{margin:16px auto 40px;padding:0 10px}}
.hp-field{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
/* 영문: Black Han Sans 라틴 글자가 넓어서 제목 크기를 한 단계씩 줄임 */
html[lang=en] .heroC h1{font-size:clamp(34px,4.4vw,56px);line-height:1.12;max-width:12.5em}
html[lang=en] .sec-head h2{font-size:clamp(26px,3.4vw,42px)}
html[lang=en] .group h3{font-size:21px}
html[lang=en] .tool h4{font-size:19px;line-height:1.3}
html[lang=en] .situ-h{font-size:22px}
html[lang=en] .cta h2{font-size:clamp(22px,2.6vw,32px)}
html[lang=en] .article h1{font-size:clamp(26px,3.6vw,38px)}
@media (max-width:600px){
  html[lang=en] .heroC h1{font-size:clamp(22px,6.2vw,28px);line-height:1.15}
  html[lang=en] .tool h4{font-size:17px}
  html[lang=en] .situ-grid a{font-size:14px;padding:13px 10px}
}
@media (max-width:420px){html[lang=en] .brand span{font-size:17px}html[lang=en] .nav .pill{padding:10px 14px;font-size:14px}}
.lang,.nav .pill{flex-shrink:0}
.brand{min-width:0}
.brand span{white-space:nowrap;overflow:hidden;text-overflow:clip}
@media (max-width:420px){html[lang=en] .brand span{display:none}}
/* 계산기 입력칸 묶음이 폰 화면 밖으로 나가지 않게 */
.calc-page fieldset{min-width:0}
@media (max-width:480px){
  .calc-page .multi-col-group{flex-wrap:wrap}
  .calc-page .multi-col-group .col-item{flex:1 1 45%;min-width:0}
  .calc-page .multi-col-group input,.calc-page .multi-col-group select{width:100%;min-width:0}
}
/* 영문 계산기 소제목: 라틴 글자가 넓어 한 단계 작게 */
html[lang=en] .calc-page h1,html[lang=en] .calc-page h2{font-size:clamp(1.25rem,2.2vw,1.7rem) !important;line-height:1.3}
html[lang=en] .calc-page h3{font-size:clamp(1.05rem,1.8vw,1.3rem) !important;line-height:1.3}
.reviewed{max-width:760px;margin:-28px auto 40px;font-size:13px;color:var(--muted);line-height:1.6}
@media (max-width:720px){.chip{font-size:18px}}
html[lang=en] .chip{font-size:19px}
html[lang=en] .nl-item a{grid-template-columns:140px 1fr}
html[lang=en] .home-nl a{grid-template-columns:130px 1fr}
/* 예산·변동vs고정 계산기의 입력칸 (옛 테마 파일이 없어 여기서 정의) */
.calc-page .input-group{display:block;border-width:1px;border-style:solid;border-radius:10px;padding:14px}
.calc-page .label-style{display:block;font-weight:700;font-size:.875rem;color:#253880;margin-bottom:6px}
.calc-page .input-style{display:block;width:100%;box-sizing:border-box;background:#fff;border:1px solid #d1d5db;border-radius:6px;padding:.6rem .75rem;font-size:.95rem;outline:none}
.calc-page .input-style:focus{border-color:#334da9;box-shadow:0 0 0 2px rgba(51,77,169,.15)}