:root {
  --bg: #f7f8fa;
  --card: #ffffff;
  --text: #1c1f26;
  --muted: #6b7280;
  --border: #e5e7eb;
  --brand: #2563eb;
  --brand-dark: #1d4ed8;
  --accent-bg: #eff6ff;
  --warn-bg: #fff7ed;
  --warn-border: #fdba74;
  --warn-text: #9a3412;
  --result-bg: #ecfdf5;
  --result-border: #6ee7b7;
  --result-text: #065f46;
}

@media (prefers-color-scheme: dark) {
  :root {
    --bg: #0f1115;
    --card: #171a21;
    --text: #e6e8eb;
    --muted: #9aa1ac;
    --border: #2a2e37;
    --brand: #60a5fa;
    --brand-dark: #93c5fd;
    --accent-bg: #16213a;
    --warn-bg: #2a1f14;
    --warn-border: #92400e;
    --warn-text: #fdba74;
    --result-bg: #0e2b22;
    --result-border: #10b981;
    --result-text: #6ee7b7;
  }
}

* { box-sizing: border-box; }

html, body {
  margin: 0;
  padding: 0;
  background: var(--bg);
  color: var(--text);
  font-family: -apple-system, "Pretendard", "Malgun Gothic", "Apple SD Gothic Neo", sans-serif;
  line-height: 1.6;
}

.wrap {
  max-width: 720px;
  margin: 0 auto;
  padding: 24px 16px 64px;
}

header.site {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px;
  max-width: 720px;
  margin: 0 auto;
}

header.site a.logo {
  font-weight: 700;
  font-size: 17px;
  color: var(--text);
  text-decoration: none;
}

header.site a.logo span { color: var(--brand); }

h1 {
  font-size: 22px;
  margin: 4px 0 4px;
}

p.lead {
  color: var(--muted);
  margin: 0 0 20px;
  font-size: 14.5px;
}

.card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 20px;
  margin-bottom: 16px;
}

.field {
  margin-bottom: 14px;
}

.field label {
  display: block;
  font-size: 13.5px;
  font-weight: 600;
  margin-bottom: 6px;
  color: var(--text);
}

.field .hint {
  font-size: 12.5px;
  color: var(--muted);
  font-weight: 400;
  margin-left: 4px;
}

.field input,
.field select {
  width: 100%;
  padding: 11px 12px;
  border: 1px solid var(--border);
  border-radius: 9px;
  background: var(--bg);
  color: var(--text);
  font-size: 15px;
  font-family: inherit;
}

.field input:focus,
.field select:focus {
  outline: none;
  border-color: var(--brand);
}

.row2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.row3 {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 10px;
}

@media (max-width: 480px) {
  .row3 { grid-template-columns: 1fr; }
}

button.calc {
  width: 100%;
  padding: 14px;
  background: var(--brand);
  color: #fff;
  border: none;
  border-radius: 10px;
  font-size: 16px;
  font-weight: 700;
  cursor: pointer;
  margin-top: 4px;
}

button.calc:hover { background: var(--brand-dark); }

.result {
  display: none;
  background: var(--result-bg);
  border: 1px solid var(--result-border);
  border-radius: 12px;
  padding: 18px;
  margin-top: 16px;
}

.result.show { display: block; }

.result .amount {
  font-size: 26px;
  font-weight: 800;
  color: var(--result-text);
  margin: 2px 0 10px;
}

.result table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13.5px;
}

.result table td {
  padding: 5px 0;
  color: var(--text);
}

.result table td:last-child {
  text-align: right;
  font-variant-numeric: tabular-nums;
}

.warn {
  display: none;
  background: var(--warn-bg);
  border: 1px solid var(--warn-border);
  color: var(--warn-text);
  border-radius: 10px;
  padding: 12px 14px;
  font-size: 13.5px;
  margin-top: 12px;
}

.warn.show { display: block; }

.note {
  background: var(--accent-bg);
  border-radius: 10px;
  padding: 14px 16px;
  font-size: 13px;
  color: var(--muted);
  margin-top: 20px;
}

.note h3 {
  font-size: 13.5px;
  margin: 0 0 8px;
  color: var(--text);
}

.note ul {
  margin: 0;
  padding-left: 18px;
}

.note li { margin-bottom: 4px; }

.note a {
  color: var(--brand);
  text-decoration: none;
}

.note a:hover { text-decoration: underline; }

.disclaimer {
  font-size: 12px;
  color: var(--muted);
  text-align: center;
  margin-top: 28px;
  padding-top: 16px;
  border-top: 1px solid var(--border);
}

.hub-list {
  display: grid;
  gap: 12px;
}

.hub-item {
  display: block;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 16px 18px;
  text-decoration: none;
  color: var(--text);
}

.hub-item .tag {
  display: inline-block;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--brand);
  background: var(--accent-bg);
  padding: 2px 8px;
  border-radius: 999px;
  margin-bottom: 6px;
}

.hub-item .name {
  font-size: 16px;
  font-weight: 700;
}

.hub-item .desc {
  font-size: 13px;
  color: var(--muted);
  margin-top: 3px;
}

.hub-item.soon {
  opacity: 0.55;
  pointer-events: none;
}