*{box-sizing:border-box}:root{font-family:system-ui,-apple-system,"Apple SD Gothic Neo","Malgun Gothic",sans-serif;color:#1b2736;background:#f7f9fc;font-synthesis:none}body{margin:0}a{text-decoration:none;color:inherit}input,select,button{font:inherit}button{cursor:pointer}.wrap{width:min(100% - 40px,1040px);margin:auto}.top{background:#fff;border-bottom:1px solid #e9edf2}.nav{height:64px;display:flex;align-items:center;justify-content:space-between}.brand{font-weight:800;font-size:18px}.brand-mark{display:inline-block;color:#2f69e8;transform:rotate(-40deg);margin-right:5px}.back{font-size:13px;color:#64748b}.back:hover,a:hover{color:#2563eb}.page{padding:33px 0 48px}.heading{margin-bottom:24px}.eyebrow{font-size:12px;color:#3465d6;font-weight:700}.heading h1{font-size:clamp(28px,4vw,34px);letter-spacing:-.05em;margin:7px 0 7px}.heading p{margin:0;color:#69778b;font-size:14px}.layout{display:grid;grid-template-columns:minmax(0,1fr) 250px;gap:20px;align-items:start}.main-col{min-width:0}.panel{background:#fff;border:1px solid #e5ebf2;border-radius:14px;padding:24px;margin-bottom:17px}.panel-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:17px;gap:10px}h2,h3,p{margin-top:0}.panel h2{font-size:18px;letter-spacing:-.03em;margin:0}.pill{font-size:11px;background:#eaf4ee;color:#1a835a;border-radius:20px;padding:5px 9px;white-space:nowrap}.input-row{display:grid;grid-template-columns:1.25fr 1fr;gap:12px}.field{display:flex;flex-direction:column;gap:7px;font-size:13px;font-weight:650;color:#546376;min-width:0}.field input,.field select{border-radius:9px;border:1px solid #dbe3ed;padding:0 13px;height:52px;width:100%;background:white;color:#172234;outline:0;font-size:18px}.field select{font-size:15px}.field input:focus,.field select:focus{border-color:#3371e3;box-shadow:0 0 0 3px #3371e31b}.error{font-size:12px;color:#c93b3b;margin:6px 0;min-height:6px}.results-head{display:flex;align-items:center;justify-content:space-between;border-top:1px solid #edf0f5;padding-top:17px;margin:14px 0 12px}.results-head h3{font-size:15px;margin:0}.subtle-btn,.copy{background:#fff;border:1px solid #dce5f1;border-radius:8px;color:#3562a1;font-size:12px;padding:7px 10px}.subtle-btn:hover,.copy:hover{background:#edf4ff}.results{display:grid;grid-template-columns:1fr 1fr;gap:9px}.result{border:1px solid #e5ebf2;background:#fafbfd;border-radius:9px;padding:12px;min-width:0}.result.primary{background:#eef4ff;border-color:#d8e5fb}.result-top{display:flex;gap:7px;align-items:center;justify-content:space-between}.result-label{font-size:12px;color:#65778c}.result strong{font-size:clamp(16px,2vw,20px);display:block;margin-top:10px;overflow-wrap:anywhere;letter-spacing:-.03em}.optional{font-size:11px;color:#8491a3;font-weight:500;margin-left:5px}.compact{max-width:210px;margin-top:12px}.price-result{display:grid;grid-template-columns:1fr 1fr;gap:12px;border-radius:10px;background:#f2f6fc;padding:16px;margin-top:12px}.price-result div{display:flex;flex-direction:column;gap:6px}.price-result small{color:#708197;font-size:12px}.price-result strong{font-size:19px;overflow-wrap:anywhere}.guide{padding:4px 2px 8px;font-size:13px;color:#66778c;line-height:1.65}.guide h2{font-size:15px;color:#34475f;margin-bottom:5px}.guide p{margin:0 0 8px}.guide details{padding:5px 0}.guide summary{cursor:pointer;color:#4a607b}.guide .muted{font-size:12px;color:#8a98a8;margin-top:10px}.side-panel{background:#fff;border:1px solid #e5ebf2;border-radius:12px;padding:17px;color:#596c82;font-size:12px;line-height:1.7}.side-panel strong{display:block;color:#34475f;font-size:13px;margin-bottom:5px}.side-panel p{margin:0}.ad-host{margin-bottom:17px}.ad-host:empty{display:none}.ad-frame{background:#f2f5f9;border:1px dashed #bac8d9;border-radius:10px;color:#64758b;display:flex;flex-direction:column;justify-content:center;align-items:center;min-height:102px;gap:7px;font-size:13px;text-align:center}.ad-frame strong{font-size:14px;color:#475b73}.ad-frame small{font-size:11px;color:#90a0b2}.sidebar .ad-frame{min-height:250px}.footer{border-top:1px solid #e4eaf0;padding:22px 0 30px;color:#8493a5;font-size:12px;display:flex;justify-content:space-between}.toast{position:fixed;bottom:22px;left:50%;transform:translateX(-50%);background:#20344c;color:#fff;padding:10px 16px;border-radius:9px;box-shadow:0 8px 26px #0003;z-index:10;font-size:13px}.home{padding:75px 0;min-height:60vh}.home h1{font-size:32px;margin:10px 0}.lede{color:#69798e}.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:30px}.tool-card{border:1px solid #e5ebf2;border-radius:14px;padding:23px;background:white}.tool-card h2{margin:10px 0;font-size:17px}.tool-card p{font-size:13px;color:#64748b;margin:0}.tool-icon{font-size:27px;color:#2f69e8}@media(max-width:820px){.layout{grid-template-columns:1fr}.sidebar{display:none}}@media(max-width:540px){.wrap{width:min(100% - 28px,1040px)}.nav{height:58px}.brand{font-size:16px}.page{padding-top:23px}.heading{margin-bottom:20px}.heading h1{font-size:29px}.heading p{font-size:13px}.panel{padding:17px 14px;border-radius:12px}.input-row{grid-template-columns:1fr 1fr;gap:9px}.field input,.field select{height:48px;font-size:16px;padding:0 10px}.results{gap:8px}.result{padding:10px}.result strong{font-size:16px}.result-label{font-size:11px}.copy{font-size:11px;padding:6px}.price-result{padding:12px}.price-result strong{font-size:15px}.footer{font-size:11px}.tool-grid{grid-template-columns:1fr}.home{padding-top:40px}}
.lang-switch{display:flex;gap:5px;margin-left:15px;align-items:center}.lang-switch a{font-size:12px;font-weight:750;padding:7px 10px;border-radius:8px;color:#607088;border:1px solid transparent}.lang-switch .selected{color:#2463ca;background:#eaf2ff;border-color:#d7e6fb}.nav{gap:12px}.nav .back,.nav .nav-note{margin-left:auto}@media(max-width:540px){.nav .back,.nav .nav-note{display:none}.lang-switch{margin-left:auto}}

.loan-form{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.loan-form .field input,.loan-form .field select{font-size:16px}.loan-full{grid-column:1/-1}.loan-summary{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;margin-top:16px}.loan-metric{padding:14px 12px;background:#f2f6ff;border:1px solid #dce7ff;border-radius:10px;min-width:0}.loan-metric span{display:block;color:#546a89;font-size:12px}.loan-metric strong{display:block;margin-top:8px;font-size:clamp(15px,2vw,21px);overflow-wrap:anywhere}.loan-compare{overflow-x:auto}.loan-table{width:100%;border-collapse:collapse;text-align:right;font-variant-numeric:tabular-nums;font-size:13px;white-space:nowrap}.loan-table th,.loan-table td{border-bottom:1px solid #e9eef5;padding:11px 9px}.loan-table th{color:#64748b;font-weight:600;background:#f6f8fb}.loan-table th:first-child,.loan-table td:first-child{text-align:left}.loan-table tr.selected{background:#edf4ff}.loan-scroll{max-height:390px;overflow:auto;border:1px solid #e5ebf2;border-radius:9px;margin-top:12px}.loan-scroll .loan-table th{position:sticky;top:0;z-index:1}.loan-disclaimer{font-size:12px;color:#77869b;line-height:1.6}.loan-actions{display:flex;justify-content:space-between;align-items:center;gap:8px;flex-wrap:wrap}.loan-hide{display:none}.loan-form .field small{font-size:11px;font-weight:400;color:#8694a7}@media(max-width:540px){.loan-summary{grid-template-columns:1fr}.loan-metric{padding:12px}.loan-form{gap:10px}.loan-table{font-size:12px}}

/* v8: directory ads and PDF tools */
.home-ad{margin:18px 0}.home-ad .ad-frame{min-height:104px}
.tool-grid .home-ad{grid-column:1/-1;margin:0}.home .tool-grid{margin-top:20px}
.pdf-drop{border:2px dashed #b9cbed;border-radius:12px;padding:27px 18px;text-align:center;background:#f8fbff;cursor:pointer;display:block;transition:background .15s}
.pdf-drop:hover,.pdf-drop:focus-within{background:#ecf3ff}.pdf-drop strong{display:block;font-size:16px;margin-bottom:7px}.pdf-drop small{display:block;color:#708099;font-size:12px}
.pdf-drop input{position:absolute;width:1px;height:1px;opacity:0}
.pdf-controls{display:flex;flex-wrap:wrap;gap:12px;align-items:end;margin:16px 0}.pdf-controls .field{flex:1;min-width:135px}
.pdf-action{background:#2563eb;color:#fff;border:0;border-radius:9px;padding:13px 19px;font-size:14px;font-weight:750;cursor:pointer}.pdf-action:disabled{opacity:.45;cursor:not-allowed}
.pdf-preview-list{display:grid;gap:8px;margin:15px 0}.pdf-file{border:1px solid #e4eaf3;border-radius:9px;padding:12px;display:flex;align-items:center;justify-content:space-between;gap:14px;background:#fff;font-size:13px}.pdf-file span{overflow-wrap:anywhere;min-width:0}.pdf-file button{flex-shrink:0}
.pdf-status{font-size:13px;line-height:1.55;color:#4d6282;min-height:22px}.pdf-status.error-text{color:#b83232}
.pdf-downloads{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}.pdf-downloads a{border:1px solid #c8d8f5;background:#f3f7ff;color:#1d5cbd;border-radius:8px;padding:9px 13px;font-size:13px;font-weight:700}
.pdf-info{font-size:12px;color:#718199;margin:12px 0 0;line-height:1.6}
@media(max-width:540px){.pdf-controls{display:grid;grid-template-columns:1fr}.pdf-action{width:100%}.pdf-file{align-items:flex-start}}

/* v9 - clean, text-only tool directory */
.home{padding-top:50px}
.tool-directory{margin-top:20px}
.simple-tool-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 22px;background:#fff;border:1px solid #e5ebf2;border-radius:12px;padding:9px 22px}
.tool-link{display:block;padding:14px 4px;font-size:15px;font-weight:600;color:#26384b;border-bottom:1px solid #edf1f6;line-height:1.45}
.tool-link:nth-last-child(-n+2){border-bottom:none}
.tool-link:hover{color:#2563eb}
.tool-directory .home-ad{margin:22px 0}
@media(max-width:540px){.simple-tool-list{grid-template-columns:1fr;padding:5px 17px}.tool-link{padding:13px 2px;font-size:15px}.tool-link:nth-last-child(2){border-bottom:1px solid #edf1f6}}

/* v10: restore individual cards, keep titles only */
.simple-tool-list{background:transparent;border:0;border-radius:0;padding:0;gap:12px;grid-template-columns:repeat(2,minmax(0,1fr));}
.simple-tool-list .tool-link,.simple-tool-list .tool-link:nth-last-child(2){display:flex;align-items:center;justify-content:center;text-align:center;min-height:76px;padding:17px 12px;border:1px solid #e5ebf2;border-radius:12px;background:#fff;color:#26384b;font-weight:650;box-shadow:0 2px 7px rgba(30,50,75,.035);transition:border-color .15s,box-shadow .15s,transform .15s;}
.simple-tool-list .tool-link:hover,.simple-tool-list .tool-link:focus-visible{border-color:#93b8f0;color:#2563eb;box-shadow:0 4px 12px rgba(25,80,155,.08);transform:translateY(-1px)}
@media(max-width:540px){.simple-tool-list{grid-template-columns:repeat(2,minmax(0,1fr));gap:9px}.simple-tool-list .tool-link,.simple-tool-list .tool-link:nth-last-child(2){font-size:13px;min-height:75px;padding:12px 6px}}