:root{
  --bg:#f5f7fb;
  --bg-soft:#eef2f8;
  --surface:#ffffff;
  --surface-soft:#fafcff;
  --line:#dde5f0;
  --line-strong:#cfd9e8;
  --text:#172334;
  --muted:#5e6b7d;
  --primary:#2447d8;
  --primary-dark:#18329c;
  --primary-soft:#edf2ff;
  --accent:#0f7b78;
  --accent-soft:#e9fbfa;
  --hero:#0f1f3d;
  --hero-2:#16315f;
  --shadow:0 18px 40px rgba(18,40,76,.08);
  --shadow-strong:0 24px 60px rgba(18,40,76,.12);
  --radius-xl:28px;
  --radius-lg:20px;
  --radius-md:16px;
  --radius-sm:12px;
  --max:1200px;
  --content:820px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:"Pretendard","Apple SD Gothic Neo","Noto Sans KR",sans-serif;
  color:var(--text);
  background:linear-gradient(180deg,#f7f9fc 0%, #f2f5fa 100%);
  line-height:1.65;
  word-break:keep-all;
}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%}
button,input,textarea,select{font:inherit}
h1,h2,h3,h4,p,ul,ol,dl,dd{margin:0}
ul,ol{padding-left:1.1rem}
.container{width:min(calc(100% - 40px),var(--max));margin:0 auto}
.content{width:min(calc(100% - 40px),var(--content));margin:0 auto}
.skip-link{position:absolute;left:-9999px;top:auto}
.skip-link:focus{
  left:16px;top:16px;z-index:1000;
  background:#fff;border-radius:10px;padding:10px 14px;box-shadow:var(--shadow)
}
.topbar{
  background:linear-gradient(90deg,var(--hero),var(--hero-2));
  color:rgba(255,255,255,.92);
  font-size:14px;
}
.topbar-inner{
  min-height:46px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:18px;
}
.topbar-phone{font-weight:800;white-space:nowrap}
.site-header{
  position:sticky; top:0; z-index:100;
  background:rgba(247,249,252,.92);
  backdrop-filter:blur(12px);
  border-bottom:1px solid rgba(221,229,240,.9);
}
.header-inner{
  min-height:84px;
  display:grid;
  grid-template-columns:minmax(240px,1fr) auto auto auto;
  align-items:center;
  gap:24px;
}
.brand{display:flex;flex-direction:column;justify-content:center;gap:4px;min-width:0}
.brand-title{font-size:1.3rem;font-weight:800;letter-spacing:-.03em}
.brand-sub{font-size:.92rem;color:var(--muted)}
.nav-toggle{
  display:none;border:0;background:var(--primary-soft);color:var(--primary-dark);
  min-height:44px;padding:0 16px;border-radius:999px;font-weight:700;cursor:pointer;
}
.main-nav{display:flex;align-items:center;gap:26px}
.main-nav a{font-size:.97rem;font-weight:700;color:#26364d}
.main-nav a:hover{color:var(--primary)}
.header-cta{
  display:inline-flex;align-items:center;justify-content:center;
  min-height:46px;padding:0 18px;border-radius:999px;
  background:var(--primary);color:#fff;font-weight:800;box-shadow:var(--shadow);
}
.hero{padding:76px 0 48px}
.hero-shell{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(320px,.8fr);gap:28px;align-items:stretch}
.hero-panel{
  background:linear-gradient(135deg,var(--hero) 0%, #17356b 58%, #2447d8 100%);
  color:#fff;border-radius:var(--radius-xl);padding:44px;box-shadow:var(--shadow-strong);min-height:100%;
}
.hero-badge{display:inline-flex;align-items:center;min-height:34px;padding:0 14px;border-radius:999px;background:rgba(255,255,255,.12);color:#fff;font-size:.9rem;font-weight:700;margin-bottom:18px}
.hero-title{font-size:clamp(2rem,4vw,3.3rem);line-height:1.12;letter-spacing:-.045em;max-width:none}
.hero-title-compact{display:grid;gap:8px}
.hero-title-compact span:first-child{font-size:clamp(2.1rem,4.1vw,3.5rem)}
.hero-title-compact span:last-child{font-size:clamp(1rem,1.9vw,1.28rem);line-height:1.35;font-weight:700;color:rgba(255,255,255,.88);letter-spacing:-.02em}
.hero-inline-list{display:flex;flex-wrap:wrap;gap:10px 12px;margin-top:20px}
.hero-inline-list span{display:inline-flex;align-items:center;min-height:34px;padding:0 14px;border-radius:999px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.14);font-size:.94rem;font-weight:700}
.hero-text{margin-top:18px;max-width:58ch;color:rgba(255,255,255,.88);font-size:1.05rem}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:28px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:0 20px;border-radius:999px;font-weight:800;border:1px solid transparent}
.btn-primary{background:#fff;color:var(--hero)}
.btn-secondary{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.18);color:#fff}
.hero-points{margin-top:28px;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.hero-point{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);border-radius:18px;padding:16px}
.hero-point strong{display:block;font-size:1rem;margin-bottom:4px}
.hero-side{display:grid;gap:16px}
.info-card{
  background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:26px;box-shadow:var(--shadow);
}
.info-card h2,.info-card h3{font-size:1.14rem;line-height:1.35;letter-spacing:-.03em}
.info-card p{margin-top:10px;color:var(--muted)}
.check-list{display:grid;gap:12px;margin-top:16px}
.check-item{display:grid;grid-template-columns:22px 1fr;gap:10px;align-items:start;color:#243246}
.check-item::before{content:"✓";display:inline-grid;place-items:center;width:22px;height:22px;border-radius:999px;background:var(--primary-soft);color:var(--primary);font-weight:900;font-size:.88rem}
.section{padding:88px 0}
.section + .section{padding-top:0}
.section-head{width:min(100%,760px);margin:0 auto 34px;text-align:center;display:flex;flex-direction:column;align-items:center}
.section-head > *{max-width:100%}
.kicker{display:inline-flex;min-height:30px;align-items:center;padding:0 12px;border-radius:999px;background:var(--accent-soft);color:var(--accent);font-size:.87rem;font-weight:800}
.section-title{margin-top:14px;font-size:clamp(1.7rem,3vw,2.35rem);line-height:1.2;letter-spacing:-.04em;text-wrap:balance}
.section-desc{margin-top:12px;color:var(--muted);font-size:1rem;max-width:62ch}
.grid-2,.grid-3,.grid-4{display:grid;gap:20px}
.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.card{
  height:100%;display:flex;flex-direction:column;gap:14px;background:var(--surface);
  border:1px solid var(--line);border-radius:var(--radius-lg);padding:28px;box-shadow:var(--shadow);
}
.card h3{font-size:1.12rem;line-height:1.38;letter-spacing:-.03em;min-height:3.05em}
.card p,.card li{color:var(--muted)}
.card p{margin-top:-2px}
.card ul{margin:0}
.card-link{margin-top:auto;display:inline-flex;align-items:center;gap:8px;color:var(--primary);font-weight:800;padding-top:6px}
.soft-wrap{background:linear-gradient(180deg,#eff4fa 0%, #f7f9fc 100%);border-top:1px solid rgba(221,229,240,.8);border-bottom:1px solid rgba(221,229,240,.8)}
.steps{counter-reset:step}
.step-card{position:relative;padding-top:64px}
.step-card::before{
  counter-increment:step;content:counter(step);position:absolute;top:24px;left:28px;
  width:34px;height:34px;border-radius:999px;display:grid;place-items:center;
  background:var(--primary-soft);color:var(--primary-dark);font-weight:900;
}
.area-box{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-lg);padding:28px;box-shadow:var(--shadow)}
.area-box h3{font-size:1.2rem;line-height:1.35;letter-spacing:-.03em}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.chip{display:inline-flex;align-items:center;min-height:38px;padding:0 14px;border-radius:999px;background:var(--bg-soft);border:1px solid var(--line);color:#314156;font-size:.94rem;font-weight:700}
.faq{display:grid;gap:14px}
.faq-item{background:var(--surface);border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);overflow:hidden}
.faq-q{width:100%;display:flex;align-items:center;justify-content:space-between;gap:18px;padding:22px 24px;border:0;background:transparent;text-align:left;font-size:1rem;font-weight:800;color:var(--text);cursor:pointer}
.faq-q span:last-child{font-size:1.2rem;color:var(--primary);flex:0 0 auto}
.faq-a{padding:0 24px 22px;color:var(--muted);display:none}
.faq-item.is-open .faq-a{display:block}
.faq-item.is-open .faq-q span:last-child{transform:rotate(45deg)}
.cta{
  padding:44px;border-radius:var(--radius-xl);background:linear-gradient(135deg,#0f7b78 0%, #115c8c 100%);
  color:#fff;box-shadow:var(--shadow-strong);display:grid;grid-template-columns:minmax(0,1fr) auto;gap:20px;align-items:center;
}
.cta h2{font-size:clamp(1.7rem,3vw,2.4rem);line-height:1.25;letter-spacing:-.04em}
.cta p{margin-top:12px;color:rgba(255,255,255,.88)}
.cta-actions{display:flex;flex-wrap:wrap;gap:12px}
.cta .btn-primary{color:#0f3558}
.cta .btn-secondary{background:rgba(255,255,255,.12)}
.site-footer{margin-top:88px;background:#111c2f;color:rgba(255,255,255,.88)}
.footer-top{padding:52px 0 34px;border-bottom:1px solid rgba(255,255,255,.1)}
.footer-grid{display:grid;grid-template-columns:minmax(260px,1.2fr) repeat(3,minmax(0,1fr));gap:28px}
.footer-brand h3{font-size:1.22rem;font-weight:800}
.footer-brand p{margin-top:12px;color:rgba(255,255,255,.72)}
.footer-title{font-size:1rem;font-weight:800;margin-bottom:14px}
.footer-links{display:grid;gap:10px;color:rgba(255,255,255,.76)}
.footer-bottom{padding:18px 0 28px;font-size:.92rem;color:rgba(255,255,255,.62);display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:10px}
.footer-info{display:grid;gap:8px}
.footer-note{margin-top:12px}
.article-hero{padding:58px 0 26px}
.breadcrumbs{display:flex;flex-wrap:wrap;gap:8px;color:var(--muted);font-size:.94rem;margin-bottom:16px}
.article-shell{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-xl);box-shadow:var(--shadow);padding:40px}
.article-kicker{display:inline-flex;min-height:30px;align-items:center;padding:0 12px;border-radius:999px;background:var(--primary-soft);color:var(--primary-dark);font-size:.87rem;font-weight:800}
.article-title{margin-top:14px;font-size:clamp(1.9rem,3.8vw,2.75rem);line-height:1.18;letter-spacing:-.045em;text-wrap:balance}
.article-desc{margin-top:14px;color:var(--muted);font-size:1.03rem}
.article-grid{margin-top:32px;display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:24px;align-items:start}
.article-main{display:grid;gap:28px}
.article-box{background:var(--surface-soft);border:1px solid var(--line);border-radius:20px;padding:28px}
.article-box h2{font-size:1.3rem;line-height:1.35;letter-spacing:-.03em;margin-bottom:14px}
.article-box p + p,.article-box ul + p,.article-box p + ul,.article-box ul + ul{margin-top:12px}
.article-box li + li{margin-top:8px}
.article-aside{display:grid;gap:18px}
.aside-card{background:var(--surface-soft);border:1px solid var(--line);border-radius:20px;padding:24px}
.aside-card h3{font-size:1.06rem;margin-bottom:14px}
.link-list{display:grid;gap:10px}
.link-list a{display:block;padding:12px 14px;border-radius:12px;background:#fff;border:1px solid var(--line);font-weight:700;color:#27374d}
.link-list a:hover{border-color:var(--primary);color:var(--primary)}
.notice{padding:14px 16px;border-radius:14px;background:var(--primary-soft);color:#24385a;font-size:.95rem;font-weight:600}
@media (max-width: 1080px){
  .hero-shell,.article-grid,.footer-grid,.cta{grid-template-columns:1fr}
  .grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}
  .hero-title{max-width:none}
  .footer-bottom{justify-content:flex-start}
}
@media (max-width: 920px){
  .header-inner{grid-template-columns:minmax(0,1fr) auto auto}
  .nav-toggle{display:inline-flex;align-items:center}
  .main-nav{
    position:absolute;top:calc(100% + 10px);left:20px;right:20px;display:none;flex-direction:column;align-items:flex-start;gap:0;
    background:#fff;border:1px solid var(--line);border-radius:18px;padding:12px;box-shadow:var(--shadow);
  }
  .site-header.is-open .main-nav{display:flex}
  .main-nav a{width:100%;padding:12px 10px;border-radius:12px}
  .header-cta{display:none}
  .hero{padding-top:48px}
  .hero-panel,.article-shell,.cta{padding:30px}
  .hero-points,.grid-3,.grid-2{grid-template-columns:1fr}
}
@media (max-width: 640px){
  .hero-inline-list{gap:8px}
  .hero-inline-list span{font-size:.88rem;padding:0 12px}
  .card h3{min-height:auto}
  .footer-bottom{display:block}

  .container,.content{width:min(calc(100% - 28px),var(--max))}
  .topbar-inner{flex-direction:column;justify-content:center;padding:8px 0;text-align:center}
  .hero-panel,.info-card,.card,.area-box,.article-box,.aside-card{padding:22px}
  .hero-actions,.cta-actions{flex-direction:column}
  .btn{width:100%}
  .grid-4{grid-template-columns:1fr}
  .section{padding:70px 0}
}