/* Shared shell; namespaced to avoid old page-specific layout rules. */
body{font-family:"Noto Sans KR",system-ui,-apple-system,"Segoe UI",sans-serif!important;line-height:1.7;background:#f4f7fb!important;color:#111c2f!important}
.sm-shell{width:min(1180px,calc(100% - 40px));margin:auto;box-sizing:border-box}
header.sm-header{display:block!important;height:auto!important;padding:0!important;margin:0!important;position:sticky;top:0;z-index:100;background:rgba(244,247,251,.96);backdrop-filter:blur(18px);border:0;border-bottom:1px solid #dce4ee;border-radius:0!important;box-shadow:none!important}
.sm-header-row{display:flex;align-items:center;justify-content:space-between;gap:30px;min-height:76px}
a.sm-brand{display:inline-flex!important;align-items:center;gap:12px;color:#111c2f!important;font-size:21px!important;font-weight:900;text-decoration:none;letter-spacing:-.04em;white-space:nowrap}
.sm-mark{display:grid;place-items:center;width:38px;height:38px;border-radius:13px;background:#102442;color:white;font-size:16px}
.sm-nav{display:flex;gap:4px;align-items:center}
.sm-nav a{padding:10px 12px;border-radius:10px;color:#405069;text-decoration:none;font-size:14px;font-weight:700;white-space:nowrap}
.sm-nav a:hover,.sm-nav a[aria-current]{background:white;color:#2367d1;box-shadow:0 5px 20px #111c2f0c}
.sm-menu{display:none;border:1px solid #dce4ee;border-radius:10px;background:white;color:#111c2f;padding:10px 14px;height:auto;cursor:pointer}
footer.sm-footer{display:block!important;max-width:none!important;width:100%!important;margin:60px 0 0!important;padding:48px 0 24px!important;border-radius:0!important;background:#0c192c!important;color:#a9bad0!important;text-align:left!important;box-sizing:border-box}
.sm-footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:32px}
.sm-footer .sm-brand{color:white!important}.sm-footer .sm-mark{background:#2367d1}
.sm-footer h3{font-size:14px!important;color:white!important;margin:0 0 14px!important}
.sm-footer p,.sm-footer a{font-size:13px;line-height:1.8;color:#a9bad0!important;text-decoration:none}
.sm-footer-grid>div>a:not(.sm-brand){display:block;margin:6px 0}
.sm-footer-note{border-top:1px solid #ffffff20;margin-top:32px;padding-top:20px;font-size:12px}
.sm-footer #sm-consent-settings{margin-left:max(20px,calc((100vw - 1180px)/2))}
body.sm-legacy>.wrap{width:min(1180px,calc(100% - 40px))!important;padding:32px 0 0!important;margin:auto!important;max-width:none!important}
body.sm-legacy .hero{padding:42px!important;margin:0 0 28px!important;background:radial-gradient(circle at 92% 10%,#b8f1df88,transparent 34%),linear-gradient(120deg,#f8fbff,#eaf2ff)!important;border:0!important;border-radius:28px!important;box-shadow:none!important}
body.sm-legacy .hero h1{font-size:clamp(30px,4vw,48px)!important;line-height:1.2!important;letter-spacing:-.045em!important}
body.sm-legacy .hero p{font-size:16px!important;line-height:1.8!important;max-width:760px!important}
body.sm-legacy :is(.card,.cardcalc,.section,.panel,.side,.content,.box,.editorial-section,.trust-panel){border:1px solid #dce4ee!important;background:white!important;border-radius:22px!important;box-shadow:0 10px 30px #111c2f06!important;padding:26px!important;margin-bottom:20px}
body.sm-legacy h2{font-size:23px;letter-spacing:-.03em}body.sm-legacy p,body.sm-legacy li{line-height:1.85}
body.sm-legacy :is(input,select){min-height:48px!important;border-radius:12px!important;border:1px solid #d7e0eb!important;color:#111c2f!important;font-size:16px!important}
body.sm-legacy :is(input,select,button,a):focus-visible{outline:3px solid #2367d1;outline-offset:3px}
body.sm-legacy :is(.swap,.primary){background:#2367d1!important;color:white!important;border:0!important;border-radius:12px!important;min-height:44px}
body.sm-legacy .quick button{background:#edf4ff!important;border:1px solid #dce4ee!important;color:#2367d1!important;padding:9px 12px!important;min-height:40px}
body.sm-legacy :is(.result,.calc-result){background:#102442!important;color:white!important;border-radius:18px!important;border:0!important}
body.sm-legacy :is(.result-label,.total-label,.result-head span,.calc-line){color:#cbd7e7!important}
body.sm-legacy :is(.result-value,.calc-line strong,.total-profit.zero){color:white!important}
body.sm-legacy .calc-total{border-color:#ffffff30!important;font-size:26px!important}
body.sm-legacy .metrics{color:#111c2f!important}.sm-legacy .result .notice{background:#eaf2ff!important;color:#405069!important}
body.sm-legacy .result .total-profit.minus{color:#8fc4ff!important}body.sm-legacy .result .total-profit.plus{color:#ffaaaa!important}
body.sm-legacy :is(.source-box,.example-box,.formula,.hero-note){background:#f0f6ff!important;border:1px solid #dce4ee!important;color:#405069!important;border-radius:16px!important}
body.sm-legacy .card-title{font-size:18px!important}body.sm-legacy .rate{color:#2367d1!important;font-weight:800}
body.sm-legacy .input-row input{border:0!important;box-shadow:none!important;background:transparent!important}
body.sm-legacy a.cta{display:inline-flex!important;background:#2367d1!important;color:#fff!important;padding:12px 20px!important;border:0!important;border-radius:12px!important;text-decoration:none!important}
body.sm-article>.wrap{max-width:860px!important}
body.sm-article h1{font-size:clamp(28px,4vw,42px)!important;line-height:1.3!important;letter-spacing:-.04em}
body.sm-article :is(p,li){font-size:16px!important;line-height:1.95!important}
.use-card.use-card-light{background:#fff!important;color:#111c2f!important}
.use-card{display:flex;flex-direction:column;min-height:280px!important}
.use-card>a{position:static!important;margin-top:auto!important;padding-top:22px}
.use-card p{margin-bottom:12px}
@media(max-width:960px){.sm-menu{display:block}.sm-nav{display:none;position:absolute;top:70px;left:20px;right:20px;padding:12px;background:white;border:1px solid #dce4ee;border-radius:18px;box-shadow:0 15px 40px #111c2f16}.sm-nav.sm-open{display:grid;grid-template-columns:1fr 1fr}.sm-footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.sm-shell{width:calc(100% - 24px)}.sm-header-row{min-height:66px}.sm-nav{top:62px;left:12px;right:12px}body.sm-legacy>.wrap{width:calc(100% - 24px)!important;padding:24px 0 0!important}body.sm-legacy .hero{padding:28px 22px!important}body.sm-legacy :is(.card,.cardcalc,.section,.panel,.side,.content,.box,.editorial-section,.trust-panel){padding:20px!important;border-radius:18px!important}.sm-footer-grid{grid-template-columns:1fr 1fr;gap:26px}.sm-footer-grid>div:first-child{grid-column:1/-1}body.sm-legacy .hero h1{font-size:30px!important}}