:root{--pm:#1F3A5F;--pd:#122540;--ac:#C8963E;--bg:#F7F8FA;--tx:#16202E;--mu:#5B6878;--ln:#E2E6EC;--wh:#fff}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--tx);font-family:Pretendard,-apple-system,'Apple SD Gothic Neo','Malgun Gothic',sans-serif;font-size:16px;line-height:1.75;letter-spacing:-.01em;word-break:keep-all}
a{color:inherit;text-decoration:none}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
h1,h2,h3,h4{letter-spacing:-.025em;line-height:1.35;margin:0}
/* nav */
.vnav{background:var(--pd);position:sticky;top:0;z-index:50;border-bottom:1px solid rgba(255,255,255,.1)}
.vnav-in{display:flex;align-items:center;gap:18px;height:58px}
.vlogo{display:flex;align-items:center;gap:8px;color:#fff;font-weight:800;font-size:1.02rem;flex:none}
.vmark{display:inline-flex;align-items:center;justify-content:center;width:26px;height:26px;border-radius:7px;background:var(--ac);color:var(--pd);font-size:.78rem;font-weight:800}
.vlinks{display:flex;gap:2px;list-style:none;margin:0;padding:0;margin-left:auto;align-items:center;flex-wrap:wrap}
.vlinks a{color:rgba(255,255,255,.82);font-size:.86rem;font-weight:600;padding:7px 10px;border-radius:7px}
.vlinks a:hover{background:rgba(255,255,255,.1);color:#fff}
.vlinks a.vcta{background:var(--ac);color:var(--pd);font-weight:700}
.vmbtn{display:none;margin-left:auto;background:none;border:1px solid rgba(255,255,255,.3);color:#fff;border-radius:7px;width:36px;height:34px;font-size:1rem;cursor:pointer}
.vmenu{display:none;background:var(--pd);border-top:1px solid rgba(255,255,255,.1);padding:8px 20px 18px}
.vmenu.open{display:block}
.vmenu a{display:block;color:rgba(255,255,255,.88);padding:9px 2px;font-size:.92rem;font-weight:600;border-bottom:1px solid rgba(255,255,255,.07)}
.vmenu-cta{display:flex;gap:8px;margin-top:12px}
/* hero */
.hero{background:linear-gradient(160deg,var(--pd) 0%,var(--pm) 100%);color:#fff;padding:2.6rem 0 2.9rem}
.hero h1{font-size:2rem;margin:.5rem 0 .75rem;color:#fff}
.hero .lead{font-size:1.02rem;color:rgba(255,255,255,.86);margin:0 0 1.1rem;max-width:56ch}
.hero-grid{display:grid;grid-template-columns:1.35fr .9fr;gap:2rem;align-items:start}
.eyebrow{display:inline-block;font-size:.76rem;font-weight:800;letter-spacing:.06em;color:var(--ac);text-transform:uppercase}
.eyebrow.on-dark{color:var(--ac)}
.crumb{font-size:.8rem;color:rgba(255,255,255,.66);margin-bottom:.5rem}
.crumb a{color:rgba(255,255,255,.82)}
.crumb span{margin:0 6px;opacity:.55}
.crumb strong{color:#fff;font-weight:600}
.chips{display:flex;flex-wrap:wrap;gap:7px;margin:0 0 1.1rem}
.chip{font-size:.78rem;font-weight:600;color:rgba(255,255,255,.9);border:1px solid rgba(255,255,255,.28);border-radius:999px;padding:4px 11px}
.cta-row{display:flex;gap:10px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;justify-content:center;font-weight:700;font-size:.92rem;padding:12px 20px;border-radius:9px;border:1.5px solid transparent}
.btn-ac{background:var(--ac);color:var(--pd)}
.btn-ow{border-color:rgba(255,255,255,.5);color:#fff}
.btn-p{background:var(--pm);color:#fff}
.btn-o{border-color:var(--pm);color:var(--pm)}
/* side panel */
.side{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:14px;padding:1.1rem 1.15rem}
.side h3{font-size:.82rem;color:var(--ac);letter-spacing:.04em;margin-bottom:.6rem}
.side ul{list-style:none;margin:0;padding:0}
.side li{font-size:.85rem;color:rgba(255,255,255,.85);padding:.42rem 0;border-bottom:1px solid rgba(255,255,255,.1);display:flex;justify-content:space-between;gap:10px}
.side li:last-child{border-bottom:none}
.side li b{color:#fff;font-weight:700;flex:none}
/* sections */
.sec{padding:2.5rem 0;border-bottom:1px solid var(--ln)}
.sec:last-of-type{border-bottom:none}
.sec h2{font-size:1.38rem;margin:.35rem 0 .7rem}
.sec-lead{color:var(--mu);margin:0 0 1.3rem;max-width:64ch;font-size:.95rem}
.sec p{margin:0 0 .9rem}
.blocks{display:grid;gap:12px}
.blk{background:var(--wh);border:1px solid var(--ln);border-radius:12px;padding:1.05rem 1.15rem}
.blk h3{font-size:1rem;margin-bottom:.35rem}
.blk p{margin:0;color:var(--mu);font-size:.93rem}
.blk .num{display:inline-flex;align-items:center;justify-content:center;width:22px;height:22px;border-radius:6px;background:var(--pm);color:#fff;font-size:.74rem;font-weight:800;margin-right:8px;flex:none}
.blk.warn{border-left:3px solid var(--ac)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.note{background:#EEF1F6;border-radius:12px;padding:1rem 1.15rem;color:var(--mu);font-size:.92rem;margin:0 0 1rem}
.note b{color:var(--tx)}
.tbl-wrap{overflow-x:auto;border:1px solid var(--ln);border-radius:12px;background:var(--wh)}
table{border-collapse:collapse;width:100%;min-width:560px;font-size:.9rem}
th,td{text-align:left;padding:.72rem .9rem;border-bottom:1px solid var(--ln);vertical-align:top}
th{background:#EEF1F6;font-weight:700;font-size:.82rem;color:var(--pd);white-space:nowrap}
tr:last-child td{border-bottom:none}
td.wk{white-space:nowrap;font-weight:700;color:var(--pm);width:64px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.card{display:block;background:var(--wh);border:1px solid var(--ln);border-radius:12px;padding:1rem 1.1rem}
.card:hover{border-color:var(--pm)}
.card .ct{font-weight:700;font-size:.98rem;margin-bottom:.2rem}
.card .cs{color:var(--mu);font-size:.86rem;line-height:1.6}
.card .cn{color:var(--pm);font-size:.82rem;font-weight:700;margin-top:.5rem}
.linkchips{display:flex;flex-wrap:wrap;gap:8px}
.linkchips a{background:var(--wh);border:1px solid var(--ln);border-radius:999px;padding:6px 13px;font-size:.85rem;font-weight:600;color:var(--pm)}
.linkchips a:hover{border-color:var(--pm)}
.rel-grp{margin-bottom:1.1rem}
.rel-grp h3{font-size:.86rem;color:var(--mu);margin-bottom:.5rem;font-weight:700}
.midcta{background:var(--pd);color:#fff;border-radius:14px;padding:1.4rem 1.5rem;display:flex;justify-content:space-between;align-items:center;gap:1.2rem;flex-wrap:wrap;margin:0}
.midcta h2{font-size:1.12rem;margin:0 0 .25rem;color:#fff}
.midcta p{margin:0;color:rgba(255,255,255,.8);font-size:.9rem}
.stat{display:grid;grid-template-columns:repeat(5,1fr);gap:1px;background:var(--ln);border:1px solid var(--ln);border-radius:12px;overflow:hidden}
.stat div{background:var(--wh);padding:1rem .8rem;text-align:center}
.stat b{display:block;font-size:1.5rem;color:var(--pm);font-weight:800;line-height:1.2}
.stat small{color:var(--mu);font-size:.8rem}
.faq details{background:var(--wh);border:1px solid var(--ln);border-radius:10px;margin-bottom:8px;padding:.85rem 1.05rem}
.faq summary{cursor:pointer;font-weight:700;font-size:.95rem;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:'+';float:right;color:var(--ac);font-weight:800}
.faq details[open] summary::after{content:'−'}
.faq .fa{color:var(--mu);font-size:.92rem;margin-top:.55rem}
/* footer */
footer{background:var(--pd);color:rgba(255,255,255,.72);padding:2.4rem 0 1.6rem;font-size:.88rem}
.ft{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:1.6rem}
.ft h4{color:#fff;font-size:.84rem;margin-bottom:.55rem}
.ft a{display:block;color:rgba(255,255,255,.68);padding:.17rem 0;font-size:.84rem}
.ft a:hover{color:#fff}
.ft p{margin:.3rem 0;color:rgba(255,255,255,.62)}
.ftp{color:var(--ac);font-weight:700}
.copy{border-top:1px solid rgba(255,255,255,.12);margin-top:1.6rem;padding-top:1rem;font-size:.8rem;color:rgba(255,255,255,.5)}
/* consult */
#consultForm{background:linear-gradient(160deg,var(--pm),var(--pd));padding:2.6rem 0}
.cf-box{max-width:660px;margin:0 auto;color:#fff}
.cf-box h2{font-size:1.32rem;margin-bottom:.35rem;color:#fff}
.cf-sub{color:rgba(255,255,255,.78);font-size:.9rem;margin:0 0 1.2rem}
.cf-grid{display:grid;grid-template-columns:1fr 1fr;gap:.7rem;margin-bottom:.7rem}
.cf-lb{display:block;font-size:.78rem;font-weight:700;color:rgba(255,255,255,.9);margin-bottom:.28rem}
.cf-in{width:100%;border:1.5px solid rgba(255,255,255,.28);background:rgba(255,255,255,.1);color:#fff;border-radius:9px;padding:.7rem .85rem;font-size:.93rem;font-family:inherit;outline:none}
.cf-in:focus{border-color:#fff}
.cf-in::placeholder{color:rgba(255,255,255,.5)}
select.cf-in option{color:#16202E}
textarea.cf-in{resize:vertical}
.cf-in.bad{border-color:#F3A8A8;background:rgba(200,40,40,.16)}
.cf-err{display:none;color:#F6C9C9;font-size:.75rem;margin-top:.3rem;font-weight:600}
.cf-in.bad+.cf-err{display:block}
.cf-btn{width:100%;background:var(--ac);color:var(--pd);border:none;border-radius:9px;padding:.9rem;font-size:.98rem;font-weight:700;cursor:pointer;font-family:inherit;margin-top:.5rem}
.cf-btn[disabled]{opacity:.7;cursor:default}
.cf-fine{font-size:.74rem;color:rgba(255,255,255,.58);margin:.8rem 0 0;text-align:center}
.cf-done{display:none;text-align:center;padding:1.4rem .5rem}
.cf-done a{display:inline-block;margin-top:.8rem;background:#FEE500;color:#3C1E1E;padding:.7rem 1.4rem;border-radius:999px;font-weight:700}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr}.cards{grid-template-columns:repeat(2,1fr)}.ft{grid-template-columns:1fr 1fr}.stat{grid-template-columns:repeat(3,1fr)}}
@media(max-width:720px){.vlinks{display:none}.vmbtn{display:block}.hero h1{font-size:1.58rem}.two{grid-template-columns:1fr}.cards{grid-template-columns:1fr}.cf-grid{grid-template-columns:1fr}.stat{grid-template-columns:repeat(2,1fr)}.hero{padding:2rem 0 2.2rem}.sec{padding:2rem 0}}
@media(max-width:520px){.ft{grid-template-columns:1fr}}