*{box-sizing:border-box;margin:0;padding:0}:root{--bg:#f4f6fa;--card:#fff;--border:#e3e8f0;--text:#1c2433;--muted:#68748a;--accent:#2563eb;--accent-soft:#eff4ff;--danger:#dc2626;--green:#059669}body{background:var(--bg);color:var(--text);font-family:Pretendard,Malgun Gothic,-apple-system,sans-serif;font-size:14px}.container{max-width:1240px;margin:0 auto;padding:32px 20px 64px}.page-header{justify-content:space-between;align-items:baseline;margin-bottom:20px;display:flex}.page-header h1{font-size:22px;font-weight:700}.page-header .today{color:var(--muted);font-size:13px}.header-right{align-items:center;gap:12px;display:flex}.header-right button{height:30px;padding:0 12px;font-size:13px}.auth-wrap{justify-content:center;padding-top:8vh;display:flex}.auth-card{width:100%;max-width:380px}.auth-card .field{margin-bottom:12px}.card{background:var(--card);border:1px solid var(--border);border-radius:12px;margin-bottom:20px;padding:20px}.card h2{margin-bottom:14px;font-size:15px;font-weight:700}.form-grid{grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:12px;display:grid}.field label{color:var(--muted);margin-bottom:4px;font-size:12px;display:block}.field input,.field select{border:1px solid var(--border);width:100%;height:36px;color:var(--text);background:#fff;border-radius:8px;padding:0 10px;font-size:14px}.field input:focus,.field select:focus{outline:2px solid var(--accent);outline-offset:-1px}.field input:disabled,.field select:disabled{color:var(--muted);cursor:not-allowed;background:#f1f5f9}.check-inline.disabled{color:var(--muted);cursor:not-allowed}.form-actions{justify-content:flex-end;gap:8px;margin-top:14px;display:flex}.checkbox-field .check-inline{height:36px;color:var(--text);cursor:pointer;align-items:center;gap:6px;font-size:13px;display:flex}.checkbox-field input[type=checkbox]{width:16px;height:16px;accent-color:var(--accent)}button{border:1px solid var(--border);height:36px;color:var(--text);cursor:pointer;background:#fff;border-radius:8px;padding:0 16px;font-size:14px}button.primary{background:var(--accent);border-color:var(--accent);color:#fff;font-weight:600}button:hover{filter:brightness(.96)}.table-wrap{overflow-x:auto}table{border-collapse:collapse;white-space:nowrap;width:100%}th,td{border-bottom:1px solid var(--border);text-align:right;font-variant-numeric:tabular-nums;padding:10px 12px}th{background:var(--accent-soft);color:#33415c;font-size:12px;font-weight:600}th:first-child,td:first-child{text-align:left}td.center,th.center{text-align:center}.inst-name{font-weight:600}.inst-sub{color:var(--muted);margin-top:2px;font-size:12px}.payment-strong{color:var(--accent);font-weight:700}.pay-sub{color:var(--muted);margin-top:2px;font-size:11px}.ratio-cell{min-width:110px}.ratio-bar{background:var(--border);border-radius:3px;height:6px;margin-top:4px;overflow:hidden}.ratio-bar>div{background:var(--green);height:100%}tfoot td{background:#fafbfd;font-weight:700}.badge{background:var(--accent-soft);color:var(--accent);border-radius:999px;padding:2px 8px;font-size:11px;display:inline-block}.badge.ended{color:var(--green);background:#ecfdf5}.badge.pending{color:#a16207;background:#fef9c3}.badge.tier.t1{color:#2563eb;background:#eff4ff}.badge.tier.t2{color:#b45309;background:#fef3c7}.badge.tier.t3{color:#b91c1c;background:#fee2e2}.badge.rate.fixed{color:#475569;background:#f1f5f9}.badge.rate.float{color:#be185d;background:#fdf2f8}.badge.policy{color:#047857;background:#ecfdf5}.row-actions button{height:28px;margin-left:4px;padding:0 10px;font-size:12px}.row-actions .del{color:var(--danger)}.empty,.notice{text-align:center;color:var(--muted);padding:32px}.notice code{background:var(--accent-soft);border-radius:4px;padding:2px 6px}.modal-overlay{z-index:100;background:#0f172a73;justify-content:center;align-items:center;padding:20px;display:flex;position:fixed;inset:0}.modal{background:var(--card);border-radius:12px;width:100%;max-width:640px;max-height:90vh;padding:24px;overflow-y:auto}.modal h2{margin-bottom:16px;font-size:16px;font-weight:700}.prepay-summary{background:var(--bg);border-radius:8px;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:10px;margin-top:16px;padding:14px;display:grid}.prepay-summary>div{flex-direction:column;gap:2px;display:flex}.prepay-summary span{color:var(--muted);font-size:11px}.prepay-summary strong{font-size:14px}.prepay-history{border-top:1px solid var(--border);margin-top:20px;padding-top:16px}.prepay-history h3{color:var(--muted);margin-bottom:10px;font-size:13px;font-weight:700}