:root{
  --navy:#0A1E3F; --navy2:#13294F; --navy3:#1C3A6E;
  --accent:#16C2A3; --accent-d:#0FA98C; --accent-soft:#E6FAF6;
  --ink:#172033; --muted:#65728A; --line:#E6EBF2; --soft:#F5F8FC;
}
*{margin:0;padding:0;box-sizing:border-box}
body{
  font-family:'Pretendard','Apple SD Gothic Neo',-apple-system,BlinkMacSystemFont,sans-serif;
  color:var(--ink); background:var(--soft); line-height:1.65; font-size:16px;
}
.wrap{max-width:760px;margin:0 auto;padding:0 20px}

/* hero */
.hero{
  background:linear-gradient(150deg,var(--navy) 0%,var(--navy2) 55%,var(--navy3) 100%);
  color:#fff; padding:56px 0 48px; position:relative; overflow:hidden;
}
.hero::after{content:"";position:absolute;right:-180px;top:-140px;width:420px;height:420px;
  background:radial-gradient(circle,rgba(22,194,163,.22),transparent 62%)}
.brand{font-size:13px;letter-spacing:.28em;color:#9FB2CE;font-weight:700;margin-bottom:14px}
.hero h1{font-size:34px;font-weight:800;letter-spacing:-.02em}
.hero .lede{margin-top:10px;color:#C7D3E6;max-width:520px}
.badge{
  display:inline-block;margin-top:18px;background:rgba(22,194,163,.15);color:var(--accent);
  border:1px solid rgba(22,194,163,.4);border-radius:999px;padding:4px 14px;font-size:13px;font-weight:700;
}

/* cards */
main{padding:32px 0 56px}
.card{
  background:#fff;border:1px solid var(--line);border-radius:16px;
  padding:26px 24px;margin:0 20px 18px;box-shadow:0 1px 3px rgba(10,30,63,.05);
}
@media(min-width:800px){.card{margin-left:auto;margin-right:auto;max-width:720px}}
.card h2{font-size:18px;font-weight:800;margin-bottom:18px;display:flex;align-items:center;gap:10px}
.no{
  width:28px;height:28px;border-radius:9px;background:var(--navy);color:#fff;
  display:inline-flex;align-items:center;justify-content:center;font-size:14px;font-weight:800;flex:none;
}
.row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:600px){.row{grid-template-columns:1fr}}
.field{margin-bottom:14px}
.field label{display:block;font-size:14px;font-weight:700;margin-bottom:6px;color:var(--navy2)}
.field.check label{display:flex;align-items:center;gap:8px;font-size:15px;margin-top:26px}
input[type=text],select{
  width:100%;padding:11px 14px;border:1.5px solid var(--line);border-radius:10px;
  font:inherit;font-size:15px;background:#fff;color:var(--ink);
}
input:focus,select:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px rgba(22,194,163,.15)}
.hint{font-size:13px;color:var(--accent-d);margin-top:6px;font-weight:600}
.hint.muted{color:var(--muted);font-weight:400}

/* mode toggle */
.mode-toggle{display:flex;gap:16px;margin-bottom:8px}
.mode-toggle label{
  display:flex;align-items:center;gap:6px;font-size:14px;font-weight:600;
  color:var(--muted);cursor:pointer;margin-bottom:0;
}
.mode-toggle input{accent-color:var(--accent)}
.mode-toggle label:has(input:checked){color:var(--accent-d)}
#auto-picker select{margin-bottom:8px}

/* chips */
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:8px}
.chips:empty{display:none}
.chip{
  display:inline-flex;align-items:center;gap:6px;background:var(--accent-soft);
  border:1px solid rgba(22,194,163,.4);color:var(--navy2);border-radius:999px;
  padding:4px 6px 4px 12px;font-size:13.5px;font-weight:700;
}
.chip .x{
  width:18px;height:18px;border:none;border-radius:50%;background:rgba(15,169,140,.15);
  color:var(--accent-d);font-size:12px;font-weight:800;cursor:pointer;line-height:1;
  display:inline-flex;align-items:center;justify-content:center;
}
.chip .x:hover{background:var(--accent);color:#fff}

/* autocomplete */
.autocomplete{position:relative}
.ac-list{
  position:absolute;left:0;right:0;top:calc(100% + 4px);z-index:10;list-style:none;
  background:#fff;border:1px solid var(--line);border-radius:10px;overflow:hidden;
  box-shadow:0 8px 24px rgba(10,30,63,.12);max-height:280px;overflow-y:auto;
}
.ac-list li{padding:10px 14px;cursor:pointer;font-size:14px;display:flex;gap:10px}
.ac-list li:hover,.ac-list li.active{background:var(--accent-soft)}
.ac-list .code{font-weight:800;color:var(--navy);flex:none;min-width:52px}

/* button */
.btn{
  display:inline-block;width:100%;margin-top:8px;padding:14px 20px;border:none;border-radius:12px;
  background:var(--accent);color:#fff;font:inherit;font-size:16px;font-weight:800;cursor:pointer;
  transition:background .15s; text-align:center; text-decoration:none;
}
.btn:hover{background:var(--accent-d)}
.btn.ghost{background:var(--navy);width:auto;padding:12px 28px}
.btn.ghost:hover{background:var(--navy3)}

/* results */
#results{margin:0 20px}
@media(min-width:800px){#results{margin:0 auto;max-width:720px}}
.results-title{font-size:20px;font-weight:800;margin:26px 0 14px}
.results-title span{color:var(--accent-d);font-size:15px;font-weight:700}
.result-card{
  background:#fff;border:1px solid var(--line);border-left:4px solid var(--accent);
  border-radius:12px;padding:18px 20px;margin-bottom:12px;
}
.result-card h3{font-size:16px;font-weight:800;color:var(--navy2)}
.result-card .amount{font-size:22px;font-weight:800;color:var(--ink);margin:4px 0}
.result-card .sub{font-size:13.5px;color:var(--muted)}
.result-card.info{border-left-color:#9FB2CE;background:#FBFCFE}
.total-card{
  background:var(--navy);color:#fff;border-radius:14px;padding:20px 24px;margin:18px 0;
  display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px;
}
.total-card strong{font-size:26px;font-weight:800;color:var(--accent)}
.disclaimer{
  font-size:13px;color:var(--muted);background:#fff;border:1px dashed var(--line);
  border-radius:12px;padding:14px 18px;margin-bottom:22px;
}
.cta{
  background:var(--accent-soft);border:1px solid rgba(22,194,163,.35);border-radius:14px;
  padding:24px;text-align:center;
}
.cta p{margin-bottom:14px}

footer{background:var(--navy);color:#9FB2CE;font-size:13px;padding:22px 0;text-align:center}