:root {
  --bt-ink: #121820;
  --bt-muted: #68717d;
  --bt-line: #dfe5e9;
  --bt-soft: #f5f7f9;
  --bt-blue: #155eef;
  --bt-blue-dark: #0b3d91;
  --bt-green: #0b7662;
  --bt-green-soft: #eef9f5;
  --bt-red: #b42318;
  --bt-red-soft: #fff5f4;
}

* { box-sizing: border-box; }
body { margin: 0; background: #fff; color: var(--bt-ink); font-family: Pretendard, -apple-system, BlinkMacSystemFont, "Segoe UI", "Noto Sans KR", sans-serif; line-height: 1.6; }
button, input, select { font: inherit; letter-spacing: 0; }
a { color: inherit; }
.briz-guide-page-wrap { max-width: 1120px; margin: 0 auto; padding: 16px 12px 28px; background: #fff !important; }
.bt-page { width: min(960px, 100%); margin: 0 auto; padding: 8px 0 36px; }
.bt-brandline { display: flex; align-items: center; justify-content: space-between; gap: 16px; margin-bottom: 18px; }
.bt-brandline img { display: block; width: 132px; height: auto; }
.bt-brandline a { color: var(--bt-muted); font-size: 12px; font-weight: 700; text-decoration: none; }
.bt-title { margin-bottom: 18px; padding-bottom: 18px; border-bottom: 1px solid var(--bt-line); }
.bt-title .bt-kicker { display: block; margin-bottom: 6px; color: var(--bt-blue); font-size: 12px; font-weight: 800; text-transform: uppercase; }
.bt-title h1 { margin: 0 0 7px; color: var(--bt-ink); font-size: 28px; line-height: 1.25; font-weight: 800; letter-spacing: 0; }
.bt-title p { margin: 0; color: var(--bt-muted); font-size: 14px; }
.bt-nav { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 5px; margin-bottom: 22px; padding: 5px; border: 1px solid var(--bt-line); border-radius: 8px; background: var(--bt-soft); }
.bt-nav a { display: flex; align-items: center; justify-content: center; min-height: 40px; padding: 8px 10px; border-radius: 5px; color: #53606b; font-size: 13px; font-weight: 700; text-align: center; text-decoration: none; }
.bt-nav a:hover, .bt-nav a.is-active { background: #fff; color: var(--bt-blue-dark); box-shadow: 0 1px 3px rgba(18, 24, 32, .08); }
.bt-intro { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 28px; align-items: end; margin-bottom: 20px; }
.bt-intro h2 { margin: 0 0 8px; font-size: 25px; line-height: 1.3; font-weight: 800; letter-spacing: 0; }
.bt-intro p { max-width: 650px; margin: 0; color: #4e5964; font-size: 14px; }
.bt-asof { min-width: 150px; padding-left: 16px; border-left: 2px solid var(--bt-line); color: var(--bt-muted); font-size: 11px; }
.bt-asof strong { display: block; margin-top: 3px; color: #2d3740; font-size: 13px; }
.bt-note { margin: 0 0 18px; padding: 11px 13px; border-left: 3px solid var(--bt-blue); background: #f4f8ff; color: #34516f; font-size: 12px; }

.bt-tool { overflow: hidden; border: 1px solid var(--bt-line); border-radius: 8px; background: #fff; }
.bt-tool-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 16px; padding: 18px 20px; border-bottom: 1px solid var(--bt-line); background: #fafbfc; }
.bt-tool-head h2 { margin: 0 0 3px; font-size: 19px; font-weight: 800; letter-spacing: 0; }
.bt-tool-head p { margin: 0; color: var(--bt-muted); font-size: 12px; }
.bt-badge { flex: 0 0 auto; padding: 4px 8px; border: 1px solid #c8d8ef; border-radius: 5px; background: #fff; color: var(--bt-blue-dark); font-size: 11px; font-weight: 800; }
.bt-form { padding: 20px; }
.bt-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.bt-field { min-width: 0; }
.bt-field.full { grid-column: 1 / -1; }
.bt-field label { display: block; margin-bottom: 6px; color: #303b45; font-size: 12px; font-weight: 800; }
.bt-field small { display: block; margin-top: 5px; color: var(--bt-muted); font-size: 10px; line-height: 1.45; }
.bt-input { position: relative; }
.bt-input span { position: absolute; top: 50%; left: 12px; color: #6d7881; font-size: 13px; font-weight: 700; transform: translateY(-50%); pointer-events: none; }
.bt-input.is-percent span { right: 12px; left: auto; }
.bt-field input, .bt-field select { width: 100%; min-height: 44px; padding: 9px 11px; border: 1px solid #cbd4da; border-radius: 6px; background: #fff; color: #17212a; font-size: 14px; outline: none; }
.bt-input:not(.is-percent) input { padding-left: 30px; }
.bt-input.is-percent input { padding-right: 30px; }
.bt-field input:focus, .bt-field select:focus { border-color: var(--bt-blue); box-shadow: 0 0 0 3px rgba(21, 94, 239, .11); }
.bt-check { display: flex; align-items: flex-start; gap: 9px; min-height: 44px; padding: 10px 12px; border: 1px solid #cbd4da; border-radius: 6px; background: #fff; cursor: pointer; }
.bt-check input { width: 17px; height: 17px; min-height: 0; margin: 2px 0 0; accent-color: var(--bt-blue); }
.bt-check span { color: #303b45; font-size: 13px; font-weight: 700; }
.bt-error { display: none; margin: 12px 0 0; color: var(--bt-red); font-size: 12px; font-weight: 700; }
.bt-error.is-visible { display: block; }
.bt-actions { display: flex; gap: 8px; margin-top: 16px; }
.bt-actions button { display: inline-flex; align-items: center; justify-content: center; min-height: 42px; padding: 9px 15px; border-radius: 6px; font-size: 13px; font-weight: 800; cursor: pointer; }
.bt-primary { border: 1px solid var(--bt-blue); background: var(--bt-blue); color: #fff; }
.bt-primary:hover { background: var(--bt-blue-dark); }
.bt-secondary { border: 1px solid #cbd4da; background: #fff; color: #46525c; }
.bt-result { display: none; border-top: 1px solid var(--bt-line); background: #fff; }
.bt-result.is-visible { display: block; }
.bt-result-lead { display: flex; align-items: flex-end; justify-content: space-between; gap: 18px; padding: 20px; background: var(--bt-green-soft); }
.bt-result-lead span { display: block; margin-bottom: 3px; color: #52645e; font-size: 11px; font-weight: 700; }
.bt-result-lead strong { display: block; color: var(--bt-green); font-size: 29px; line-height: 1.2; font-weight: 900; }
.bt-result-copy { display: inline-flex; align-items: center; justify-content: center; min-height: 36px; padding: 7px 11px; border: 1px solid #b9d8cc; border-radius: 6px; background: #fff; color: #17624b; font-size: 11px; font-weight: 800; cursor: pointer; }
.bt-results { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); }
.bt-result-item { min-width: 0; padding: 14px 16px; border-top: 1px solid #edf0f2; border-left: 1px solid #edf0f2; }
.bt-result-item:nth-child(-n+3) { border-top: 0; }
.bt-result-item:nth-child(3n+1) { border-left: 0; }
.bt-result-item span { display: block; margin-bottom: 3px; color: var(--bt-muted); font-size: 11px; }
.bt-result-item strong { display: block; overflow-wrap: anywhere; color: var(--bt-ink); font-size: 15px; font-weight: 800; }
.bt-result-note { margin: 0; padding: 12px 16px; border-top: 1px solid var(--bt-line); color: var(--bt-muted); font-size: 11px; }

.bt-info-section { margin-top: 24px; padding-top: 20px; border-top: 1px solid var(--bt-line); }
.bt-info-section h2 { margin: 0 0 10px; font-size: 18px; font-weight: 800; letter-spacing: 0; }
.bt-list { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 7px 20px; margin: 0; padding: 0; list-style: none; }
.bt-list li { position: relative; padding-left: 18px; color: #3e4953; font-size: 13px; }
.bt-list li::before { position: absolute; top: 0; left: 0; color: var(--bt-blue); font-weight: 900; content: "✓"; }
.bt-links { display: flex; flex-wrap: wrap; gap: 8px; }
.bt-links a { display: inline-flex; align-items: center; min-height: 36px; padding: 8px 11px; border: 1px solid var(--bt-line); border-radius: 6px; color: var(--bt-blue-dark); font-size: 12px; font-weight: 700; text-decoration: none; }
.bt-links a:hover { border-color: #a9c2e3; background: #f7faff; }
.bt-disclaimer { margin: 18px 0 0; color: var(--bt-muted); font-size: 11px; text-align: center; }
.bt-footer { margin-top: 15px; padding-top: 14px; border-top: 1px solid var(--bt-line); color: var(--bt-muted); font-size: 11px; font-weight: 700; text-align: center; }

.bt-hub-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.bt-hub-card { display: flex; min-height: 190px; flex-direction: column; padding: 20px; border: 1px solid var(--bt-line); border-radius: 8px; background: #fff; }
.bt-hub-icon { display: inline-flex; align-items: center; justify-content: center; width: 40px; height: 40px; margin-bottom: 16px; border-radius: 7px; background: #eaf1ff; color: var(--bt-blue); }
.bt-hub-icon.green { background: #e9f7f1; color: var(--bt-green); }
.bt-hub-icon svg { width: 21px; height: 21px; }
.bt-hub-card h2 { margin: 0 0 6px; font-size: 19px; font-weight: 800; letter-spacing: 0; }
.bt-hub-card p { margin: 0 0 16px; color: var(--bt-muted); font-size: 13px; }
.bt-hub-card > a { display: inline-flex; align-items: center; gap: 5px; margin-top: auto; color: var(--bt-blue-dark); font-size: 13px; font-weight: 800; text-decoration: none; }
.bt-hub-card > a svg { width: 15px; height: 15px; }

@media (max-width: 767px) {
  .bt-page { padding-top: 0; }
  .bt-brandline { align-items: flex-start; flex-direction: column; gap: 7px; }
  .bt-brandline img { width: 118px; }
  .bt-title h1 { font-size: 23px; }
  .bt-nav { grid-template-columns: 1fr; }
  .bt-intro { grid-template-columns: 1fr; gap: 12px; }
  .bt-intro h2 { font-size: 21px; }
  .bt-asof { padding: 0; border-left: 0; }
  .bt-tool-head { flex-direction: column; padding: 16px; }
  .bt-form { padding: 16px; }
  .bt-grid, .bt-hub-grid, .bt-list { grid-template-columns: 1fr; }
  .bt-field.full { grid-column: auto; }
  .bt-result-lead { align-items: flex-start; flex-direction: column; }
  .bt-results { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .bt-result-item:nth-child(-n+3) { border-top: 1px solid #edf0f2; }
  .bt-result-item:nth-child(-n+2) { border-top: 0; }
  .bt-result-item:nth-child(3n+1) { border-left: 1px solid #edf0f2; }
  .bt-result-item:nth-child(odd) { border-left: 0; }
}

@media (max-width: 380px) {
  .bt-results { grid-template-columns: 1fr; }
  .bt-result-item, .bt-result-item:nth-child(n) { border-top: 1px solid #edf0f2; border-left: 0; }
  .bt-result-item:first-child { border-top: 0; }
  .bt-actions { flex-direction: column; }
}

/* 2026 calculator visual refresh */
.briz-guide-page-wrap{max-width:1120px;padding:16px 12px 28px;background:#f6f5f4!important}.bt-page{width:min(960px,100%)}
.bt-hero{position:relative;display:grid;grid-template-columns:minmax(0,1fr) 280px;min-height:205px;margin-bottom:14px;overflow:hidden;border:1px solid #dce7f2;border-radius:18px;background:linear-gradient(135deg,#fff 0%,#f5f9ff 58%,#edf4ff 100%);box-shadow:0 8px 24px rgba(21,72,137,.07)}.bt-hero-copy{position:relative;z-index:2;align-self:center;padding:30px 0 30px 32px}.bt-hero-meta{display:flex;align-items:center;gap:8px;margin-bottom:11px}.bt-hero .bt-kicker{color:var(--bt-blue-dark);font-size:11px;font-weight:800}.bt-year-badge{padding:4px 8px;border-radius:999px;background:#1266dd;color:#fff;font-size:10px;font-weight:900}.bt-hero h1{margin:0 0 10px;color:#10234a;font-size:31px;font-weight:900;line-height:1.2}.bt-hero p{max-width:500px;margin:0;color:#53647d;font-size:13px;line-height:1.65;word-break:keep-all}.bt-hero-visual{display:flex;align-items:flex-end;justify-content:center;min-width:0;padding:8px 14px 0 0}.bt-hero-visual img{display:block;width:100%;max-width:260px;height:auto;object-fit:contain;filter:drop-shadow(0 16px 20px rgba(20,62,121,.15))}
.bt-nav{gap:0;margin-bottom:14px;padding:0;overflow:hidden;border-radius:12px;background:#fff;box-shadow:0 2px 8px rgba(15,39,75,.04)}.bt-nav a{position:relative;min-height:48px;border-radius:0;font-size:12px}.bt-nav a:hover,.bt-nav a.is-active{box-shadow:none}.bt-nav a.is-active:after{content:"";position:absolute;right:18px;bottom:0;left:18px;height:3px;border-radius:3px 3px 0 0;background:#276de6}.bt-tool{position:relative;border-color:#cbdcf0;border-radius:16px;background:linear-gradient(180deg,#fbfdff 0%,#f6faff 100%);box-shadow:0 8px 24px rgba(21,72,137,.07)}.bt-tool:before{content:"";position:absolute;z-index:2;top:0;right:0;left:0;height:4px;background:linear-gradient(90deg,#075dde,#62a4ff)}.bt-tool-head{background:rgba(255,255,255,.58)}.bt-info-section{padding:20px;border:1px solid var(--bt-line);border-radius:12px;background:#fff}.bt-footer{display:none}
@media(max-width:767px){.bt-hero{grid-template-columns:minmax(0,1fr) 118px;min-height:176px}.bt-hero-copy{padding:22px 0 22px 18px}.bt-hero h1{font-size:23px}.bt-hero p{font-size:11px;line-height:1.55}.bt-hero-visual{padding:8px 6px 0 0}.bt-hero-visual img{max-width:116px;filter:drop-shadow(0 10px 14px rgba(20,62,121,.13))}.bt-nav{grid-template-columns:repeat(3,minmax(0,1fr))}.bt-nav a{min-height:43px;padding:7px 4px;font-size:10px}.bt-nav a.is-active:after{right:12px;left:12px}}