/* Usimmoa editorial pages and the home guide list. */
.um-content-page{margin:0;background:#fff;color:#14283f;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI","Noto Sans KR",sans-serif;font-size:16px;line-height:1.85;word-break:keep-all;overflow-wrap:break-word}
.um-content-page *,.um-guides *{box-sizing:border-box}
.um-content-page a{color:inherit}
.um-content-page button,.um-content-page select,.um-content-page input{font:inherit}
.um-content-page button,.um-content-page a,.um-content-page input,.um-content-page select{touch-action:manipulation}
.um-content-page :focus-visible,.um-guides :focus-visible{outline:3px solid #2371e8;outline-offset:4px}
.um-content-page [hidden]{display:none!important}
.um-content-page h1,.um-content-page h2,.um-content-page h3,.um-content-page p{margin:0}
.um-content-page main a{text-underline-offset:4px}
.um-skip{position:fixed;top:-100px;left:16px;z-index:100;background:white;color:#0d2445;padding:10px 20px}
.um-skip:focus{top:12px}
.um-article-shell{max-width:1280px;margin:0 auto;padding:0 32px}
.um-breadcrumb{display:flex;gap:10px;align-items:center;flex-wrap:wrap;padding:28px 0;color:#607089;font-size:13px}
.um-breadcrumb a{text-decoration:none}
.um-article-hero{display:grid;grid-template-columns:1fr 1.04fr;gap:48px;align-items:center;padding:25px 0 64px}
.um-eyebrow{display:block;font-size:12px;font-weight:800;letter-spacing:.09em;color:#496583;line-height:1.65}
.um-hero-copy h1{font-size:clamp(37px,4.2vw,59px);line-height:1.3;letter-spacing:-.065em;font-weight:800;margin:21px 0}
.um-hero-copy h1 em{font-style:normal;color:#1969d3}
.um-hero-deck{font-size:19px;line-height:1.75;color:#53657a;margin-bottom:25px!important}
.um-primary{display:inline-flex;align-items:center;justify-content:center;gap:16px;background:#1665ce;color:white!important;min-height:51px;padding:13px 22px;border-radius:9px;text-decoration:none;font-size:15px;font-weight:750;line-height:1.5;border:1px solid transparent;transition:background .15s}
.um-primary:hover{background:#104eaa}
.um-article-byline{font-size:12px;color:#64748b;margin-top:19px!important}
.um-hero-photo{position:relative;margin:0;align-self:stretch;min-height:410px;border-radius:18px;overflow:hidden;background:#ede8df}
.um-hero-photo img{width:100%;height:100%;display:block;object-fit:cover;object-position:65% center}
.um-hero-photo figcaption{position:absolute;bottom:18px;left:18px;right:18px;width:fit-content;max-width:calc(100% - 36px);padding:9px 14px;border-radius:6px;background:rgba(255,255,255,.94);color:#20344a;font-size:12px;line-height:1.6}
.um-answer{background:#f2f6fa;border-top:3px solid #1969d3;border-radius:0 0 14px 14px;padding:31px 38px;margin:0 0 62px}
.um-answer h2{font-size:27px;letter-spacing:-.04em;line-height:1.5;margin:9px 0 16px}
.um-answer>p{max-width:1000px;font-size:16px}
.um-answer .um-note{margin-top:13px}
.um-note{font-size:12px!important;line-height:1.85;color:#657487;font-weight:400}
.um-article-layout{display:grid;grid-template-columns:215px minmax(0,1fr);gap:48px;align-items:start}
.um-toc{position:sticky;top:calc(var(--hp-header-offset,126px) + 25px);display:flex;flex-direction:column;border-top:1px solid #dce3eb;padding-top:18px;font-size:13px;line-height:1.65}
.um-toc strong{font-size:13px;margin-bottom:14px}
.um-toc a{padding:10px 0;color:#657487;text-decoration:none;border-bottom:1px solid #edf0f4}
.um-toc a:hover{color:#1665ce}
.um-article-body{min-width:0}
.um-article-section{padding-bottom:55px;margin-bottom:48px;border-bottom:1px solid #e1e7ed;scroll-margin-top:calc(var(--hp-header-offset,126px) + 20px)}
.um-section-title{display:flex;align-items:flex-start;gap:15px;margin-bottom:24px}
.um-step{font-size:13px;line-height:32px;color:#1969d3;font-weight:800;border:1px solid #cddcf1;border-radius:50%;width:34px;height:34px;text-align:center;flex:none;margin-top:2px}
.um-section-title h2{font-size:31px;letter-spacing:-.045em;line-height:1.5;margin-top:7px}
.um-article-section>p{margin-bottom:20px}
.um-calculator{margin-top:26px;border:1px solid #d6e1ed;background:#f8fafc;border-radius:15px;padding:26px}
.um-calc-top{display:flex;align-items:center;justify-content:space-between;gap:15px;padding-bottom:20px;border-bottom:1px solid #dce4ed}
.um-calc-top h3{font-size:21px;letter-spacing:-.025em;margin-top:5px}
.um-calc-badge{padding:5px 9px;border-radius:5px;background:#e5edf7;color:#395877;font-size:11px;font-weight:700;white-space:nowrap}
.um-period-controls{display:flex;align-items:center;flex-wrap:wrap;gap:12px;margin:22px 0}
.um-period-controls>label{font-size:13px;font-weight:700}
.um-period-controls>div{display:flex;align-items:center;gap:7px;font-size:13px}
.um-period-controls input{width:76px;border:1px solid #bbcbdc;border-radius:7px;background:#fff;min-height:44px;padding:7px 10px;color:#14283f;font-weight:700}
.um-period-presets{margin-left:auto}
.um-period-presets button{min-width:53px;min-height:42px;padding:7px 10px;border:1px solid #d3dfeb;border-radius:7px;background:#fff;color:#52657c;font-size:12px;cursor:pointer}
.um-period-presets button[aria-pressed="true"]{background:#e8f0ff;border-color:#1969d3;color:#165ebc;font-weight:750}
.um-plan-pickers{display:grid;grid-template-columns:1fr 1fr;gap:15px}
.um-plan-picker{min-width:0;padding:18px;background:#fff;border:1px solid #dce5ef;border-radius:10px}
.um-plan-picker>label{display:block;font-size:13px;font-weight:750;margin-bottom:12px}
.um-plan-picker>label>span{display:inline-flex;align-items:center;justify-content:center;width:24px;height:24px;background:#1969d3;color:#fff;border-radius:5px;margin-right:5px;font-size:12px}
.um-plan-b>label>span{background:#47786c}
.um-plan-picker select{max-width:100%;width:100%;height:46px;background:#fff;border:1px solid #a9bdd3;border-radius:6px;padding:7px;color:#17304d;font-size:12px}
.um-plan-spec{font-size:12px;color:#5b6e83;margin-top:12px!important;min-height:45px;line-height:1.7}
.um-plan-prices{margin:15px 0 0;padding-top:12px;border-top:1px solid #e8edf3;font-size:12px;line-height:1.7}
.um-plan-prices>div{display:flex;justify-content:space-between;gap:8px;margin:7px 0;align-items:baseline}
.um-plan-prices dt{color:#657487;flex:none}.um-plan-prices dd{margin:0;font-weight:750;text-align:right}
.um-plan-conditions{font-size:11px;color:#566a7e;margin-top:14px;line-height:1.8}
.um-plan-conditions summary{cursor:pointer;min-height:36px;padding:7px 0}
.um-plan-conditions p{margin:8px 0!important}
.um-calc-button{display:block;background:#0d2445;color:white;width:100%;padding:12px;border:0;min-height:47px;border-radius:8px;font-size:14px;font-weight:750;margin-top:18px;cursor:pointer}
.um-calc-button:hover{background:#193d6b}
.um-calc-result{display:grid;grid-template-columns:1fr 1fr;gap:22px;background:#102a4c;color:#fff;border-radius:10px;padding:24px;margin:20px 0 16px;line-height:1.65}
.um-result-main>span{display:block;font-size:12px;color:#cad9ee}
.um-result-main>strong{display:block;font-size:38px;letter-spacing:-.035em;line-height:1.5;margin:5px 0;color:#fff;font-variant-numeric:tabular-nums}
.um-result-main small{font-size:15px;margin-left:5px;font-weight:500}
.um-result-main p{font-size:12px;color:#c5d7ed}
.um-result-detail{border-left:1px solid #3a5171;padding-left:20px;align-self:center;font-size:12px;color:#cddcf0}
.um-result-detail>strong{display:block;font-size:15px;color:white;margin-bottom:9px}
.um-result-detail p+p{margin-top:8px}
.um-result-b{font-size:24px!important;color:#bfe5d9!important}
.um-result-compare{grid-column:1/-1;border-top:1px solid #3a5171;padding-top:13px;font-size:12px;color:#d6e4f5}
.um-catalogue-time{font-size:11px;color:#68798d;margin-top:10px!important}
.um-error{font-size:12px!important;color:#a91e1e;margin:0 0 16px!important}
.um-table-wrap{width:100%;overflow-x:auto;margin:24px 0 13px}
.um-cost-table{width:100%;border-collapse:collapse;table-layout:fixed;font-size:13px;font-variant-numeric:tabular-nums;line-height:1.7}
.um-cost-table caption{text-align:left;font-size:14px;font-weight:750;padding:0 0 11px;color:#1e3957}
.um-cost-table th,.um-cost-table td{border-bottom:1px solid #dce5ef;padding:14px 10px;text-align:right;overflow-wrap:anywhere}
.um-cost-table thead th{background:#f0f4f8;color:#536982;font-weight:650;font-size:12px}
.um-cost-table tr>*:first-child{text-align:left;width:24%}
.um-cost-table tbody td{font-weight:750}
.um-inline-cta{padding:22px 0 0}.um-inline-cta p{font-size:13px;color:#586f87;margin-bottom:13px}
.um-inline-cta a{margin:0 8px 8px 0}
.um-text-link{display:inline-flex;align-items:center;min-height:46px;padding:10px 0;font-size:13px;font-weight:700;color:#165ebc!important}
.um-notice{padding:23px;background:#f2f6fa;border-left:3px solid #1969d3;font-size:14px;border-radius:5px;margin:20px 0}.um-notice p{margin:12px 0}
.um-money-meanings{margin:0}.um-money-meanings>div{display:grid;grid-template-columns:190px minmax(0,1fr);gap:20px;padding:22px 0;border-bottom:1px solid #e1e7ed}
.um-money-meanings dt{font-weight:750;font-size:15px;line-height:1.75}.um-money-meanings dt span{display:block;color:#6c8eae;font-size:12px;margin-bottom:5px}
.um-money-meanings dd{margin:0;font-size:14px;color:#4b6078;line-height:1.9}
.um-formula{padding:25px 27px;background:#f6f2e9;border-radius:10px;margin-top:27px}
.um-formula h3{font-size:19px;line-height:1.55;margin:9px 0 16px}.um-formula p{font-size:14px;line-height:1.9;margin-top:12px}.um-formula p strong{display:block}
.um-decision-list article{position:relative;padding:23px 0 23px 23px;border-left:2px solid #dce5ef}.um-decision-list article+article{margin-top:10px}
.um-decision-tag{font-size:12px;color:#1665ce;font-weight:750}.um-decision-list h3{font-size:19px;letter-spacing:-.025em;line-height:1.7;margin:8px 0}.um-decision-list p{font-size:14px;color:#50657c}
.um-checks{list-style:none;margin:0;padding:0}.um-checks li{position:relative;padding:21px 0 21px 35px;border-bottom:1px solid #e6ebf1}.um-checks li:before{content:'✓';position:absolute;left:0;top:24px;color:#1665ce;font-weight:800;line-height:1}.um-checks strong{display:block;font-size:16px;margin-bottom:7px}.um-checks span{display:block;font-size:14px;color:#50657c}
.um-article-faq{border-top:1px solid #cbd8e5}.um-article-faq details{border-bottom:1px solid #dce5ef}.um-article-faq summary{position:relative;list-style:none;cursor:pointer;font-size:15px;font-weight:700;line-height:1.7;padding:21px 33px 21px 0}.um-article-faq summary::-webkit-details-marker{display:none}.um-article-faq summary:after{content:'+';position:absolute;right:4px;top:20px;color:#1969d3;font-size:22px;font-weight:400}.um-article-faq details[open] summary:after{content:'−'}.um-article-faq p{padding:0 18px 22px 0;color:#50657c;font-size:14px}
.um-order{background:#eaf1fa;padding:33px;border-radius:14px;margin-bottom:58px}.um-order h2{font-size:29px;letter-spacing:-.04em;line-height:1.5;margin:10px 0 16px}.um-order>p{font-size:14px;color:#47617d}.um-order ol{display:flex;gap:12px;list-style:none;padding:18px 0;margin:10px 0 16px}.um-order li{font-size:12px;flex:1;color:#335779;line-height:1.7}.um-order li b{display:block;color:#1969d3;font-size:20px}.um-order-note{margin-top:18px!important;font-size:11px!important;line-height:1.9}
.um-next{display:grid;grid-template-columns:.7fr 1fr;gap:40px;padding:38px 0 55px;border-top:1px solid #dce5ef}.um-next h2{font-size:22px;letter-spacing:-.035em;line-height:1.6;margin-top:8px}.um-next-links a{display:block;padding:16px 0;text-decoration:none;border-bottom:1px solid #dce5ef}.um-next-links strong{display:block;font-size:15px}.um-next-links span{display:block;font-size:12px;color:#657487;margin-top:4px}
.um-guides{word-break:keep-all;overflow-wrap:break-word;max-width:1260px;margin:40px auto 0;padding:35px 24px 40px;scroll-margin-top:calc(var(--hp-header-offset,126px) + 20px);font-family:-apple-system,BlinkMacSystemFont,"Segoe UI","Noto Sans KR",sans-serif;color:#14283f;line-height:1.75}
.um-guides-heading{display:flex;align-items:center;justify-content:space-between;gap:15px;border-top:1px solid #dce5ef;padding-top:30px;margin-bottom:24px}.um-guides h2{font-size:29px;letter-spacing:-.04em;margin:8px 0}.um-guides-heading p{font-size:14px;color:#60758e;margin:0}.um-guide-count{white-space:nowrap;color:#536b86;font-size:12px}
.um-guide-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}.um-guide-card{background:#fff;border:1px solid #dce5ef;border-radius:12px;overflow:hidden}.um-guide-card>a{display:grid;grid-template-columns:36% 1fr;height:100%;color:inherit;text-decoration:none}.um-guide-card img{width:100%;height:100%;min-height:210px;object-fit:cover;object-position:65% center}.um-guide-card a>div{padding:24px}.um-guide-category{font-size:11px;color:#1969d3;font-weight:750}.um-guide-card h3{font-size:19px;line-height:1.6;margin:9px 0;letter-spacing:-.035em}.um-guide-card p{font-size:12px;color:#5f738d;line-height:1.8;margin:0 0 14px}.um-guide-read{font-size:12px;color:#1969d3;font-weight:750}.um-guide-card a:hover h3{text-decoration:underline;text-underline-offset:4px}
.um-guide-categories,.um-guide-pagination{display:flex;gap:8px;flex-wrap:wrap;margin:18px 0}.um-guide-categories a,.um-guide-pagination a{padding:8px 14px;min-height:42px;border:1px solid #d4deeb;border-radius:6px;text-decoration:none;color:#425f7d;font-size:13px}.um-guide-categories [aria-current],.um-guide-pagination [aria-current]{background:#0d2445;color:white}
@media(max-width:1050px){.um-article-hero{gap:28px}.um-hero-photo{min-height:390px}.um-article-layout{grid-template-columns:170px minmax(0,1fr);gap:30px}.um-calculator{padding:20px}.um-plan-pickers{grid-template-columns:1fr}.um-plan-spec{min-height:0}.um-plan-prices{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.um-plan-prices>div{display:block}.um-plan-prices dd{text-align:left}.um-plan-conditions{margin-top:8px}.um-period-presets{margin-left:0}.um-result-main>strong{font-size:32px}.um-money-meanings>div{grid-template-columns:150px minmax(0,1fr)}.um-guide-cards{grid-template-columns:1fr}.um-guide-card>a{grid-template-columns:230px 1fr}}
@media(max-width:800px){.um-article-shell{padding:0 22px}.um-article-hero{grid-template-columns:1fr 1fr;gap:22px}.um-hero-copy h1{font-size:36px}.um-hero-deck{font-size:16px}.um-hero-photo{min-height:350px}.um-article-layout{display:block}.um-toc{position:static;display:flex;flex-direction:row;flex-wrap:wrap;gap:8px 17px;margin-bottom:33px;padding:17px 0;border-bottom:1px solid #e1e7ed}.um-toc strong{width:100%;margin:0}.um-toc a{border:0;padding:5px 0;font-size:12px}.um-plan-pickers{grid-template-columns:1fr 1fr}.um-plan-prices{display:block}.um-plan-prices>div{display:flex}.um-period-presets{margin-left:auto}.um-answer{padding:25px}.um-section-title h2{font-size:28px}.um-next{grid-template-columns:1fr;gap:15px}.um-article-section{margin-bottom:36px;padding-bottom:38px}}
@media(max-width:560px){.um-article-shell{padding:0 18px}.um-breadcrumb{font-size:11px;padding:20px 0;gap:7px}.um-article-hero{display:flex;flex-direction:column;align-items:stretch;gap:25px;padding:12px 0 35px}.um-hero-copy h1{font-size:39px;line-height:1.28;margin:15px 0}.um-hero-deck{font-size:16px;margin-bottom:20px!important}.um-hero-deck br{display:none}.um-hero-photo{min-height:0;aspect-ratio:1.48;border-radius:12px}.um-hero-photo img{position:absolute;inset:0;object-position:65% center}.um-hero-photo figcaption{font-size:10px;bottom:12px;left:12px;padding:6px 10px}.um-article-byline{margin-top:13px!important;font-size:11px}.um-answer{margin-bottom:32px;padding:23px 21px}.um-answer h2{font-size:23px}.um-answer>p{font-size:14px;line-height:1.95}.um-section-title{gap:11px;margin-bottom:18px}.um-section-title h2{font-size:25px}.um-step{width:29px;height:29px;line-height:27px;font-size:11px}.um-article-section>p{font-size:14px}.um-calculator{padding:18px 14px;border-radius:12px}.um-calc-top{align-items:flex-start;gap:9px}.um-calc-top h3{font-size:18px}.um-calc-badge{font-size:9px;padding:4px 6px}.um-calc-top .um-eyebrow{font-size:10px}.um-plan-pickers{grid-template-columns:1fr}.um-plan-prices{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}.um-plan-prices>div{display:block}.um-plan-prices dt,.um-plan-prices dd{font-size:11px;text-align:left}.um-plan-picker{padding:16px}.um-period-controls{gap:9px}.um-period-controls>label{font-size:12px}.um-period-presets{margin-left:0;width:100%;padding-top:3px}.um-period-presets button{flex:1;min-height:40px}.um-period-controls input{width:75px}.um-calc-result{grid-template-columns:1fr;gap:16px;padding:23px 19px}.um-result-main>strong{font-size:39px}.um-result-detail{border-left:0;border-top:1px solid #3a5171;padding:15px 0 0}.um-cost-table{font-size:12px}.um-cost-table th,.um-cost-table td{padding:12px 5px}.um-cost-table thead th{font-size:10px}.um-cost-table caption{font-size:13px}.um-inline-cta .um-primary{width:100%;font-size:13px;padding:13px 10px}.um-money-meanings>div{display:block;padding:20px 0}.um-money-meanings dt{margin-bottom:10px}.um-money-meanings dt span{display:inline;margin-right:9px}.um-money-meanings dd{font-size:13px}.um-formula{padding:22px 20px}.um-formula h3{font-size:18px}.um-formula p{font-size:13px}.um-decision-list h3{font-size:18px}.um-decision-list p,.um-checks span{font-size:13px}.um-checks strong{font-size:15px}.um-article-faq summary{font-size:14px}.um-article-faq p{font-size:13px}.um-order{padding:26px 23px;margin-bottom:35px}.um-order h2{font-size:25px}.um-order>p{font-size:13px}.um-order ol{gap:10px}.um-order .um-primary{font-size:13px;padding:13px 12px;width:100%}.um-next{padding:30px 0 35px}.um-next h2{font-size:21px}.um-guides{padding:20px 18px 25px;margin-top:20px}.um-guides h2{font-size:25px}.um-guides-heading p{font-size:12px}.um-guide-count{font-size:10px}.um-guide-card>a{grid-template-columns:1fr}.um-guide-card img{height:190px;min-height:0;object-position:center 58%}.um-guide-card a>div{padding:20px}.um-guide-card h3{font-size:20px}}
@media(prefers-reduced-motion:reduce){.um-primary{transition:none}}
@media print{.um-header,.um-footer,.um-toc,.um-primary,.um-calc-button,.um-period-presets,.um-inline-cta,.um-next{display:none!important}.um-article-layout{display:block}.um-article-shell{max-width:none;padding:0}.um-content-page{font-size:12px}.um-article-section{break-inside:avoid}.um-hero-photo{min-height:200px}.um-calc-result{background:#fff;color:#14283f;border:1px solid #dce5ef}.um-calc-result *{color:#14283f!important}}

/* Home guide controls override the home page's inherited link colour. */
#hp-usim-design .um-guide-categories a{display:inline-flex;align-items:center;justify-content:center;gap:6px;min-height:44px;background:#fff;color:#425f7d;border-color:#d4deeb;font-weight:650;transition:background .15s,border-color .15s}
#hp-usim-design .um-guide-categories a:hover{background:#edf4ff;color:#174bc0;border-color:#9db9e6}
#hp-usim-design .um-guide-categories a[aria-current="true"]{background:#174bc0;border-color:#174bc0;color:#fff;font-weight:750}
#hp-usim-design .um-guide-categories a[aria-current="true"]::before{content:"✓";font-size:12px}
#hp-usim-design .um-guide-pagination a{color:#425f7d}
#hp-usim-design .um-guide-pagination a[aria-current]{color:#fff}
.um-guides{overflow-anchor:none}
.um-guide-more-wrap{text-align:center;margin-top:22px}
.um-guide-progress{margin:0 0 10px;color:#60758e;font-size:12px}
#hp-usim-design .um-guide-more{display:inline-flex;align-items:center;justify-content:center;min-height:46px;min-width:240px;padding:11px 24px;border:1px solid #b9cde3;border-radius:9px;background:#fff;color:#24558b;font-size:14px;font-weight:750;cursor:pointer}
#hp-usim-design .um-guide-more:hover{background:#edf4ff;border-color:#174bc0;color:#174bc0}
@media(max-width:720px){#hp-usim-design .um-guide-more{width:100%}.um-guide-categories{gap:6px}#hp-usim-design .um-guide-categories a{padding:8px 12px;font-size:12px}}