/* Withholding Renewal — 밝고 친근한 핀테크 톤
   포인트 색을 바꾸려면 아래 :root 의 --wh-accent / --wh-accent-d 만 수정하세요. */
:root {
  --wh-accent: #2563EB;
  --wh-accent-d: #1D4FD8;
  --wh-soft: #EAF1FF;
  --wh-ink: #191F28;
  --wh-sub: #4E5968;
  --wh-mute: #5B6573;
  --wh-line: #E5E8EB;
  --wh-bg: #F2F4F6;
  --wh-yellow: #FFF4CC;
}

.wh-body { margin: 0; background: var(--wh-bg); color: var(--wh-ink); font-family: 'Noto Sans KR', system-ui, -apple-system, 'Apple SD Gothic Neo', sans-serif; line-height: 1.6; -webkit-font-smoothing: antialiased; }
.wh-body *, .wh-body *::before, .wh-body *::after { box-sizing: border-box; }
:where(.wh-body) :where(h1, h2, h3, p, ul, ol, figure) { margin: 0; padding: 0; }
.wh-main { display: block; }
.wh-wrap { max-width: 1120px; margin: 0 auto; padding: 0 24px; width: 100%; }

/* ---------- Header ---------- */
.wh-header { background: #fff; border-bottom: 1px solid var(--wh-line); }
.wh-header .wh-wrap { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 8px 24px; padding-top: 12px; padding-bottom: 12px; }
.wh-logo { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--wh-ink); font-weight: 800; font-size: 20px; }
.wh-logo-mark { display: inline-flex; width: 34px; height: 34px; border-radius: 11px; background: var(--wh-accent); color: #fff; align-items: center; justify-content: center; font-size: 15px; font-weight: 800; }
.wh-logo-mark.is-sm { width: 30px; height: 30px; border-radius: 10px; font-size: 13px; }
.wh-nav { display: flex; flex-wrap: wrap; gap: 2px 4px; }
.wh-nav a { padding: 10px 14px; border-radius: 999px; color: var(--wh-sub); font-size: 15px; font-weight: 500; text-decoration: none; }
.wh-nav a:hover { background: var(--wh-bg); }
.wh-nav a.is-active { background: var(--wh-soft); color: var(--wh-accent-d); font-weight: 700; }

/* ---------- Hero ---------- */
.wh-hero { background: var(--wh-soft); padding: 56px 0 64px; }
.wh-hero-in { display: flex; flex-wrap: wrap; gap: 40px 56px; align-items: center; }
.wh-hero-in.is-top { align-items: flex-start; }
.wh-hero-txt { flex: 1 1 360px; min-width: 0; }
.wh-eyebrow { display: inline-block; padding: 6px 14px; border-radius: 999px; background: #fff; color: var(--wh-accent-d); font-size: 14px; font-weight: 700; }
.wh-h1 { margin: 20px 0 16px; font-size: clamp(34px, 5vw, 52px); line-height: 1.22; font-weight: 800; letter-spacing: -0.03em; }
.wh-h1 em { font-style: normal; color: var(--wh-accent); }
.wh-lead { margin: 0 0 24px; font-size: 18px; color: var(--wh-sub); max-width: 440px; }
.wh-checks { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.wh-checks li { display: flex; align-items: center; gap: 12px; font-size: 16px; font-weight: 500; }
.wh-checks li::before { content: ''; flex: none; width: 26px; height: 26px; border-radius: 999px; background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232563EB' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center / 16px no-repeat; }
.wh-callout { display: inline-flex; flex-direction: column; gap: 4px; background: #fff; border-radius: 20px; padding: 16px 20px; }
.wh-callout span { font-size: 14px; color: var(--wh-mute); font-weight: 500; }
.wh-callout strong { font-size: 18px; font-weight: 800; }

/* ---------- Calculator card ---------- */
.wh-card { flex: 1.15 1 440px; min-width: 0; background: #fff; border-radius: 28px; padding: 28px; box-shadow: 0 12px 32px rgba(25, 31, 40, 0.10); }
.wh-tabs { display: flex; gap: 4px; padding: 4px; background: var(--wh-bg); border-radius: 16px; }
.wh-tab { flex: 1; min-height: 50px; border-radius: 12px; border: 0; background: transparent; color: var(--wh-mute); font: inherit; font-size: 15px; font-weight: 700; cursor: pointer; padding: 0 8px; }
.wh-tab.is-on { background: #fff; color: var(--wh-ink); box-shadow: 0 2px 6px rgba(25, 31, 40, 0.12); }
.wh-label { display: block; margin: 22px 0 6px; font-size: 16px; font-weight: 700; }
.wh-label.is-top { margin-top: 0; }
.wh-label.is-sm { margin-top: 18px; }
.wh-help { margin: 0 0 12px; font-size: 14px; color: var(--wh-mute); }
.wh-field { display: flex; align-items: center; border: 2px solid var(--wh-line); border-radius: 16px; padding: 0 20px; background: #F9FAFB; height: 60px; }
.wh-field:focus-within { border-color: var(--wh-accent); background: #fff; }
.wh-field.is-lg { height: 68px; }
.wh-field.is-sm { height: 56px; border-radius: 14px; padding: 0 18px; }
.wh-input { flex: 1; min-width: 0; width: 100%; border: 0 !important; background: transparent !important; font: inherit; font-size: 24px; font-weight: 800; color: var(--wh-ink); text-align: right; outline: 0; padding: 0 !important; box-shadow: none !important; }
.wh-field.is-lg .wh-input { font-size: 30px; }
.wh-field.is-sm .wh-input { font-size: 22px; }
.wh-unit { margin-left: 10px; font-size: 18px; font-weight: 500; color: var(--wh-mute); white-space: nowrap; }
.wh-two { display: flex; flex-wrap: wrap; gap: 0 16px; }
.wh-two > div { flex: 1 1 180px; min-width: 0; }
.wh-chips { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 12px; }
.wh-chip { min-height: 44px; padding: 0 18px; border-radius: 999px; border: 0; background: var(--wh-soft); color: var(--wh-accent-d); font: inherit; font-size: 15px; font-weight: 700; cursor: pointer; }
.wh-chip.is-on { background: var(--wh-accent); color: #fff; }
.wh-chip.is-ghost { background: var(--wh-bg); color: var(--wh-sub); }
.wh-sublabel { margin: 22px 0 8px; font-size: 15px; font-weight: 700; }
.wh-rows { margin-top: 20px; }
.wh-rows.is-tight { margin-top: 12px; }
.wh-row { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; padding: 13px 0; border-bottom: 1px solid var(--wh-bg); }
.wh-row span { font-size: 15px; font-weight: 500; }
.wh-row small { margin-left: 4px; font-size: 14px; color: var(--wh-mute); }
.wh-row b { font-size: 16px; font-weight: 700; }
.wh-row.is-on { color: var(--wh-accent-d); }
.wh-big { margin-top: 20px; background: var(--wh-accent); color: #fff; border-radius: 20px; padding: 22px 26px; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 8px 16px; }
.wh-big span { font-size: 16px; font-weight: 700; }
.wh-big strong { font-size: 34px; font-weight: 800; letter-spacing: -0.01em; }
.wh-big.is-stack { display: block; }
.wh-big.is-stack span { display: block; font-size: 15px; }
.wh-big.is-stack strong { display: block; margin-top: 4px; }
.wh-copy { margin-top: 12px; width: 100%; min-height: 50px; display: inline-flex; align-items: center; justify-content: center; gap: 8px; border-radius: 14px; border: 0; background: var(--wh-ink); color: #fff; font: inherit; font-size: 16px; font-weight: 700; cursor: pointer; }
.wh-copy::before { content: ''; width: 18px; height: 18px; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23FFFFFF' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='9' y='9' width='11' height='11' rx='2'/%3E%3Cpath d='M5 15V6a2 2 0 0 1 2-2h9'/%3E%3C/svg%3E") center / contain no-repeat; }
.wh-copy:disabled { background: #C9D1DB; cursor: not-allowed; }
.wh-fine { margin-top: 12px; font-size: 13px; color: var(--wh-mute); }
.wh-status { margin-top: 12px; font-size: 14px; font-weight: 500; color: var(--wh-accent-d); }
.wh-actions { margin-top: 16px; }

/* ---------- Sections ---------- */
.wh-sec { padding: 72px 0 24px; }
.wh-sec.is-white { background: #fff; padding: 72px 0; }
.wh-sec.is-yellow { background: var(--wh-yellow); padding: 72px 0; }
.wh-sec.is-last { padding-bottom: 72px; }
.wh-h2 { margin-bottom: 8px; font-size: 32px; font-weight: 800; letter-spacing: -0.02em; }
.wh-h2.is-sm { font-size: 22px; margin-bottom: 16px; }
.wh-sub { margin-bottom: 28px; font-size: 17px; color: var(--wh-sub); max-width: 760px; }
.wh-grid { display: flex; flex-wrap: wrap; gap: 16px; }
.wh-grid > * { flex: 1 1 280px; min-width: 0; }
.wh-grid.is-2 > * { flex-basis: 340px; }
.wh-grid.is-4 > * { flex-basis: 240px; }
.wh-grid.is-wide > * { flex-basis: 480px; }
.wh-grid.is-gap { margin-top: 16px; }
.wh-box { background: #fff; border-radius: 24px; padding: 28px; }
.wh-box.is-gray { background: var(--wh-bg); }
.wh-box.is-yellow { background: var(--wh-yellow); }
.wh-box h3 { margin-bottom: 8px; font-size: 19px; font-weight: 700; }
.wh-box h3.is-lg { font-size: 20px; font-weight: 800; margin-bottom: 12px; }
.wh-box p { font-size: 15px; color: var(--wh-sub); }
.wh-box p + p { margin-top: 8px; }
.wh-box p strong { color: var(--wh-ink); }
.wh-box ul { padding-left: 20px; font-size: 15px; color: var(--wh-sub); display: flex; flex-direction: column; gap: 4px; }
.wh-box ul strong { color: var(--wh-ink); }
.wh-num { display: inline-flex; width: 38px; height: 38px; border-radius: 999px; background: var(--wh-accent); color: #fff; align-items: center; justify-content: center; font-weight: 800; margin-bottom: 16px; }
.wh-badge { display: inline-block; padding: 4px 14px; border-radius: 999px; background: var(--wh-accent); color: #fff; font-size: 14px; font-weight: 800; margin-bottom: 14px; }
.wh-tag { display: inline-block; padding: 4px 12px; border-radius: 999px; background: var(--wh-soft); color: var(--wh-accent-d); font-size: 13px; font-weight: 700; }
.wh-tag.is-yellow { background: var(--wh-yellow); color: var(--wh-ink); }
.wh-formula { margin: 14px 0 6px; font-size: 20px; font-weight: 800; }
.wh-example { background: var(--wh-bg); border-radius: 16px; padding: 16px 18px; font-size: 15px; margin-top: 16px; }
.wh-example strong.is-hl { color: var(--wh-accent-d); }
.wh-bar { display: flex; height: 46px; border-radius: 14px; overflow: hidden; font-size: 14px; font-weight: 700; }
.wh-bar div { display: flex; align-items: center; justify-content: center; }
.wh-kv-list { display: flex; flex-direction: column; margin-top: 12px; }
.wh-kv { display: flex; justify-content: space-between; padding: 10px 0; border-bottom: 1px solid var(--wh-line); font-size: 15px; }
.wh-kv:last-child { border-bottom: 0; }
.wh-list { list-style: none; display: flex; flex-direction: column; gap: 14px; font-size: 15px; }
.wh-list li { display: flex; align-items: center; gap: 10px; }
.wh-list li svg { flex: none; width: 22px; height: 22px; color: var(--wh-accent); }
.wh-list li.is-no { color: var(--wh-mute); }
.wh-list li.is-no svg { color: var(--wh-mute); }
.wh-conds > div { display: flex; align-items: center; gap: 14px; background: #fff; border-radius: 20px; padding: 20px 24px; font-size: 16px; font-weight: 500; }
.wh-conds > div::before { content: ''; flex: none; width: 34px; height: 34px; border-radius: 999px; background: var(--wh-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232563EB' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center / 18px no-repeat; }
.wh-conds > div { flex: 1 1 300px; }
.wh-note { margin-top: 16px; font-size: 15px; color: var(--wh-sub); }
.wh-note.is-sm { font-size: 14px; color: var(--wh-mute); }
.wh-btn { display: inline-flex; align-items: center; gap: 8px; min-height: 52px; padding: 0 28px; border-radius: 999px; background: var(--wh-ink); color: #fff; font-size: 16px; font-weight: 700; text-decoration: none; }
.wh-btn svg { width: 18px; height: 18px; }
.wh-cta-wrap { margin-top: 28px; }

/* ---------- Tool cards ---------- */
.wh-tool { display: block; background: #fff; border: 2px solid #fff; border-radius: 24px; padding: 26px; text-decoration: none; color: var(--wh-ink); }
.wh-tool:hover { border-color: #9DB9F5; }
.wh-tool-ic { display: inline-flex; width: 48px; height: 48px; border-radius: 16px; background: var(--wh-soft); color: var(--wh-accent); align-items: center; justify-content: center; }
.wh-tool b { display: block; margin-top: 18px; font-size: 19px; font-weight: 700; }
.wh-tool span.wh-tool-d { display: block; margin-top: 4px; font-size: 15px; color: var(--wh-mute); }
.wh-tool.is-plain b { margin-top: 0; font-size: 18px; }
.wh-tip { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 12px 24px; background: var(--wh-yellow); border-radius: 24px; padding: 28px; text-decoration: none; color: var(--wh-ink); }
.wh-tip small { display: block; font-size: 14px; font-weight: 700; color: var(--wh-mute); }
.wh-tip b { display: block; margin-top: 2px; font-size: 20px; font-weight: 800; }
.wh-tip .wh-btn { min-height: 48px; padding: 0 22px; font-size: 15px; }

/* ---------- Pills / FAQ / Table ---------- */
.wh-pills { display: flex; flex-wrap: wrap; gap: 10px; }
.wh-pill { display: inline-flex; align-items: center; min-height: 46px; padding: 0 22px; border-radius: 999px; background: #fff; color: var(--wh-ink); font-size: 15px; font-weight: 500; text-decoration: none; }
.wh-pill:hover { background: var(--wh-soft); }
.wh-faq { display: flex; flex-direction: column; gap: 12px; max-width: 880px; }
.wh-faq details { background: #fff; border-radius: 20px; padding: 0 26px; }
.wh-faq summary { list-style: none; min-height: 64px; display: flex; align-items: center; gap: 12px; cursor: pointer; font-size: 17px; font-weight: 700; }
.wh-faq summary::-webkit-details-marker { display: none; }
.wh-faq summary::after { content: '+'; margin-left: auto; font-size: 24px; font-weight: 500; color: var(--wh-accent); }
.wh-faq details[open] summary::after { content: '\2212'; }
.wh-faq details p { margin-bottom: 22px; font-size: 15px; color: var(--wh-sub); }
.wh-table-wrap { background: #fff; border-radius: 24px; padding: 12px 12px 8px; overflow-x: auto; }
.wh-table { width: 100%; min-width: 720px; border-collapse: collapse; font-size: 15px; }
.wh-table th, .wh-table td { padding: 16px; border-bottom: 1px solid var(--wh-bg); text-align: right; }
.wh-table thead th { color: var(--wh-mute); font-weight: 700; border-bottom: 1px solid var(--wh-line); }
.wh-table th:first-child { text-align: left; }
.wh-table tbody th { font-weight: 800; color: var(--wh-accent-d); }

/* ---------- Footer ---------- */
.wh-footer { background: #fff; }
.wh-footer-top { display: flex; flex-wrap: wrap; gap: 28px 56px; justify-content: space-between; padding-top: 40px; padding-bottom: 32px; }
.wh-footer-brand { flex: 1 1 260px; min-width: 0; }
.wh-logo-line { display: flex; align-items: center; gap: 10px; font-weight: 800; font-size: 18px; }
.wh-footer-brand p { margin-top: 12px; font-size: 14px; color: var(--wh-mute); max-width: 320px; }
.wh-footer-col { flex: 0 1 180px; min-width: 140px; display: flex; flex-direction: column; gap: 8px; font-size: 14px; }
.wh-footer-col strong { margin-bottom: 2px; font-size: 14px; }
.wh-footer a { color: var(--wh-mute); text-decoration: none; }
.wh-footer a:hover { color: var(--wh-ink); }
.wh-footer-bottom { border-top: 1px solid var(--wh-line); }
.wh-footer-bottom .wh-wrap { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 8px 24px; padding-top: 20px; padding-bottom: 20px; font-size: 14px; color: var(--wh-mute); }

@media (max-width: 640px) {
  .wh-hero { padding: 36px 0 44px; }
  .wh-card { padding: 20px; border-radius: 24px; }
  .wh-sec { padding: 48px 0 16px; }
  .wh-sec.is-white, .wh-sec.is-yellow { padding: 48px 0; }
  .wh-h2 { font-size: 26px; }
  .wh-big strong { font-size: 28px; }
  .wh-box { padding: 22px; }
}

/* ---- 광고 자리 ---- */
.wh-ad-slot{padding:8px 0 0}
.wh-ad{position:relative;margin:24px 0;padding:22px 0 0;min-height:130px;text-align:center;border-radius:16px;overflow:hidden}
.wh-ad-tag{display:block;position:absolute;top:0;left:0;right:0;font-size:11px;line-height:18px;color:#8B95A1;letter-spacing:.04em;text-align:center}
.wh-ad .adsbygoogle{min-height:90px}
.wh-ad.is-preview{display:flex;align-items:center;justify-content:center;flex-direction:column;min-height:110px;padding:22px 16px 16px;border:2px dashed #B8C7E6;background:#F5F8FF;color:#4E5968;font-size:14px;font-weight:500}
.wh-ad.is-preview .wh-ad-tag{color:#2563EB;font-weight:700}
@media (max-width:640px){.wh-ad{margin:16px 0;min-height:260px}.wh-ad.is-preview{min-height:110px}}

/* ---- 가이드 · 글 화면 ---- */
.wh-hero.is-guide { padding: 52px 0 56px; }
.wh-hero.is-guide .wh-hero-in { display: block; }
.wh-hero.is-guide .wh-hero-txt { max-width: 760px; }
.wh-hero.is-guide .wh-pills { margin-top: 22px; }
.wh-table.is-left th, .wh-table.is-left td { text-align: left; }
.wh-table.is-left tbody th { color: var(--wh-ink); }
.wh-code-wrap { background: var(--wh-bg); border-radius: 24px; padding: 20px; }
.wh-code { margin: 0 0 16px; padding: 22px; max-height: 420px; overflow: auto; background: #fff; border-radius: 16px; font: 14px/1.75 'Noto Sans KR', system-ui, sans-serif; color: var(--wh-ink); white-space: pre-wrap; word-break: keep-all; }
.wh-code-wrap .wh-copy { margin-top: 0; }
.wh-posts > * { flex-basis: 300px; }
.wh-post { display: flex; flex-direction: column; gap: 10px; background: #fff; border: 1px solid var(--wh-line); border-radius: 24px; padding: 26px; color: var(--wh-ink); text-decoration: none; transition: border-color .15s, transform .15s; }
.wh-post:hover { border-color: var(--wh-accent); transform: translateY(-2px); }
.wh-post b { font-size: 18px; font-weight: 800; line-height: 1.45; }
.wh-post-date { font-size: 13px; color: var(--wh-mute); }
.wh-post-ex { font-size: 14px; color: var(--wh-sub); }
.wh-post-more { margin-top: auto; display: inline-flex; align-items: center; gap: 6px; color: var(--wh-accent-d); font-size: 14px; font-weight: 700; }
.wh-post-more svg { width: 16px; height: 16px; }
.wh-pager { display: flex; flex-wrap: wrap; gap: 8px; justify-content: center; margin-top: 36px; }
.wh-pager a, .wh-pager span { min-width: 44px; height: 44px; padding: 0 16px; display: inline-flex; align-items: center; justify-content: center; border-radius: 14px; background: #fff; border: 1px solid var(--wh-line); color: var(--wh-sub); font-weight: 700; text-decoration: none; }
.wh-pager .current { background: var(--wh-accent); border-color: var(--wh-accent); color: #fff; }
.wh-article-wrap { max-width: 820px; }
.wh-article { font-size: 17px; line-height: 1.85; color: var(--wh-ink); }
.wh-article > * + * { margin-top: 1.1em; }
.wh-article h2 { margin-top: 2em; font-size: 26px; font-weight: 800; line-height: 1.4; }
.wh-article h3 { margin-top: 1.6em; font-size: 21px; font-weight: 800; }
.wh-article p, .wh-article li { color: #333D4B; }
.wh-article ul, .wh-article ol { padding-left: 1.4em; }
.wh-article a { color: var(--wh-accent-d); text-decoration: underline; text-underline-offset: 3px; }
.wh-article img { max-width: 100%; height: auto; border-radius: 16px; }
.wh-article table { width: 100%; border-collapse: collapse; font-size: 15px; display: block; overflow-x: auto; }
.wh-article th, .wh-article td { padding: 12px 14px; border: 1px solid var(--wh-line); text-align: left; }
.wh-article th { background: var(--wh-bg); }
.wh-article blockquote { margin-left: 0; padding: 4px 20px; border-left: 4px solid var(--wh-accent); color: var(--wh-sub); }
@media (max-width: 640px) { .wh-hero.is-guide { padding: 36px 0 40px; } .wh-article { font-size: 16px; } .wh-posts > * { flex-basis: 100%; } }