*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}:root{font-family:Pretendard,Noto Sans KR,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;line-height:1.5;font-weight:400;color:#1a202c;background-color:#f0f4f8;font-synthesis:none;text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;-webkit-tap-highlight-color:transparent}body{margin:0;min-width:320px;min-height:100vh;min-height:100dvh;background-color:#f0f4f8;padding-bottom:env(safe-area-inset-bottom)}h1,h2,h3,h4{line-height:1.2}button{font-family:inherit;cursor:pointer;-webkit-tap-highlight-color:transparent;touch-action:manipulation}input,select,textarea{font-family:inherit}::-webkit-scrollbar{width:6px;height:6px}::-webkit-scrollbar-track{background:#f0f4f8}::-webkit-scrollbar-thumb{background:#cbd5e0;border-radius:3px}body{background:#f0f4f8;color:#1a202c}#root{max-width:960px;margin:0 auto;padding:1.5rem 1rem env(safe-area-inset-bottom,2rem);padding-bottom:calc(2rem + env(safe-area-inset-bottom))}@media(max-width:480px){#root{padding:.75rem .75rem 5rem}}.calc-wrapper{display:flex;flex-direction:column;gap:1.5rem}.calc-header{text-align:center;padding:1rem 0 .5rem}.calc-header h1{font-size:clamp(1.4rem,5vw,2rem);font-weight:800;color:#1a365d;letter-spacing:-.5px}.calc-subtitle{margin-top:.4rem;font-size:.9rem;color:#718096}.calc-card{background:#fff;border-radius:20px;box-shadow:0 4px 24px #00000014;overflow:hidden}.form-section{padding:clamp(1.2rem,4vw,2rem);border-bottom:1px solid #e2e8f0}.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem}@media(max-width:560px){.form-grid{grid-template-columns:1fr}}.form-group{display:flex;flex-direction:column;gap:.35rem}.form-group label{font-size:.82rem;font-weight:600;color:#4a5568;display:flex;align-items:center;gap:.35rem}.unit-badge{display:inline-block;padding:.1rem .45rem;background:#2b6cb0;color:#fff;border-radius:4px;font-size:.72rem;font-weight:700;letter-spacing:.2px}.input-hint{font-size:.78rem;color:#4299e1;font-weight:600;margin-top:.1rem;min-height:1.1em}.form-group input{padding:.75rem .9rem;border:1.5px solid #cbd5e0;border-radius:10px;font-size:1rem;color:#2d3748;transition:border-color .2s,box-shadow .2s;outline:none;background:#f7fafc;min-height:48px}.form-group input:focus{border-color:#4299e1;box-shadow:0 0 0 3px #4299e126;background:#fff}.form-group input[type=number]::-webkit-outer-spin-button,.form-group input[type=number]::-webkit-inner-spin-button{-webkit-appearance:none}.form-group input[type=number]{-moz-appearance:textfield}.method-group{margin-top:1.4rem;display:flex;align-items:center;flex-wrap:wrap;gap:.8rem}.method-label{font-size:.82rem;font-weight:600;color:#4a5568;text-transform:uppercase;letter-spacing:.4px;white-space:nowrap}.method-buttons{display:flex;flex-wrap:wrap;gap:.5rem}.method-btn{padding:.55rem 1rem;border:1.5px solid #cbd5e0;border-radius:999px;background:#f7fafc;font-size:.88rem;font-weight:500;color:#4a5568;cursor:pointer;transition:all .18s;min-height:44px;touch-action:manipulation}.method-btn:hover{border-color:#4299e1;color:#2b6cb0;background:#ebf8ff}.method-btn.active{background:#2b6cb0;border-color:#2b6cb0;color:#fff;font-weight:700;box-shadow:0 2px 8px #2b6cb040}.error-msg{margin-top:1rem;color:#c53030;font-size:.88rem;background:#fff5f5;border:1px solid #feb2b2;border-radius:8px;padding:.55rem .9rem}.action-row{display:flex;gap:.8rem;margin-top:1.4rem}.btn-calc{flex:1;padding:.9rem;background:linear-gradient(135deg,#2b6cb0,#4299e1);color:#fff;font-size:1rem;font-weight:700;border:none;border-radius:12px;cursor:pointer;transition:opacity .18s,transform .12s;box-shadow:0 3px 12px #4299e159;min-height:52px;touch-action:manipulation}.btn-calc:hover{opacity:.9;transform:translateY(-1px)}.btn-calc:active{transform:translateY(0);opacity:.95}.btn-reset{padding:.9rem 1.4rem;background:#edf2f7;color:#4a5568;font-size:.95rem;font-weight:600;border:none;border-radius:12px;cursor:pointer;transition:background .18s;min-height:52px;touch-action:manipulation}.btn-reset:hover{background:#e2e8f0}@media(max-width:560px){.action-row{position:fixed;bottom:0;left:0;right:0;z-index:100;background:#fffffff2;backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);padding:.75rem 1rem env(safe-area-inset-bottom,.75rem);padding-bottom:calc(.75rem + env(safe-area-inset-bottom));border-top:1px solid #e2e8f0;box-shadow:0 -4px 16px #00000014;margin-top:1rem}}.summary-section{padding:2rem;border-bottom:1px solid #e2e8f0;background:#f7fafc}.section-title{font-size:1.1rem;font-weight:700;color:#2d3748;margin-bottom:1rem}.summary-badges{display:flex;gap:.5rem;margin-bottom:1.2rem;flex-wrap:wrap}.badge{padding:.3rem .85rem;border-radius:999px;font-size:.8rem;font-weight:700}.badge-method{background:#ebf8ff;color:#2b6cb0;border:1px solid #bee3f8}.badge-grace{background:#fefcbf;color:#744210;border:1px solid #fef08a}.summary-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:.75rem}@media(max-width:640px){.summary-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:360px){.summary-grid{grid-template-columns:1fr 1fr;gap:.5rem}}.summary-item{background:#fff;border-radius:12px;padding:1rem;box-shadow:0 1px 4px #0000000f;display:flex;flex-direction:column;gap:.4rem}.summary-label{font-size:.75rem;font-weight:600;color:#718096;text-transform:uppercase;letter-spacing:.3px}.summary-value{font-size:clamp(.85rem,2.5vw,1.1rem);font-weight:800;word-break:break-all}.summary-value.principal{color:#2d3748}.summary-value.interest{color:#c53030}.summary-value.total{color:#276749}.summary-value.ratio{color:#744210}.schedule-section{padding:clamp(1.2rem,4vw,2rem)}.table-wrapper{overflow-x:auto;border-radius:12px;border:1px solid #e2e8f0}.schedule-table{width:100%;border-collapse:collapse;font-size:.875rem;min-width:560px}.schedule-table thead tr{background:#2b6cb0;color:#fff}.schedule-table th{padding:.75rem 1rem;font-weight:700;letter-spacing:.3px;text-align:right}.schedule-table th:first-child,.schedule-table th:nth-child(2){text-align:center}.schedule-table tbody tr{border-bottom:1px solid #edf2f7;transition:background .12s}.schedule-table tbody tr:hover{background:#ebf8ff}.schedule-table tbody tr.row-grace{background:#fffbeb}.schedule-table tbody tr.row-grace:hover{background:#fefce8}.schedule-table td{padding:.6rem 1rem;color:#2d3748}.schedule-table td.center{text-align:center}.schedule-table td.right{text-align:right}.schedule-table td.bold{font-weight:700}.schedule-table td.interest-col{color:#c53030}.phase-tag{display:inline-block;padding:.15rem .6rem;border-radius:999px;font-size:.75rem;font-weight:700}.tag-grace{background:#fef9c3;color:#854d0e}.tag-repay{background:#dcfce7;color:#166534}.tfoot-row{background:#edf2f7;border-top:2px solid #cbd5e0}.tfoot-row td{padding:.75rem 1rem;font-weight:800;color:#2d3748}.formula-box{background:#fff;border-radius:16px;padding:1.5rem 2rem;box-shadow:0 2px 12px #0000000f;border-left:4px solid #4299e1}.formula-box h3{font-size:1rem;font-weight:700;color:#2b6cb0;margin-bottom:.5rem}.formula-desc{font-size:.85rem;color:#718096;margin-bottom:.8rem}.formula-display{background:#ebf8ff;border-radius:10px;padding:.75rem 1.2rem;margin-bottom:.9rem;text-align:center}.formula-text{font-family:Courier New,monospace;font-size:1.05rem;font-weight:700;color:#2b6cb0;letter-spacing:.5px}.formula-legend{list-style:none;display:grid;grid-template-columns:repeat(2,1fr);gap:.3rem 1.5rem}@media(max-width:420px){.formula-legend{grid-template-columns:1fr}}.formula-legend li{font-size:.82rem;color:#4a5568}.formula-legend strong{color:#2b6cb0}