:root{--navy:#0f2a43;--navy2:#16385a;--ink:#1d2733;--mute:#586674;--line:#d9e0e7;--bg:#f4f6f8;--amber:#e8a33d;--amberd:#b87410;--white:#fff;--r:10px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:16px/1.75 -apple-system,"Apple SD Gothic Neo","Noto Sans KR","Malgun Gothic",sans-serif;color:var(--ink);background:var(--white);word-break:keep-all;overflow-wrap:anywhere}
img{max-width:100%;height:auto;display:block}a{color:var(--navy2)}
.w{max-width:1080px;margin:0 auto;padding:0 20px}
header.top{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20}
header.top .w{display:flex;align-items:center;justify-content:space-between;min-height:58px;gap:12px}
.logo{color:#fff;text-decoration:none;font-weight:800;font-size:1.1rem;display:flex;align-items:center;gap:8px}
.logo i{width:28px;height:28px;border-radius:7px;background:var(--amber);color:var(--navy);display:grid;place-items:center;font-style:normal;font-weight:900;font-size:.85rem}
nav.m{display:flex;gap:4px;flex-wrap:wrap}nav.m a{color:#cfdbe8;text-decoration:none;padding:6px 10px;border-radius:6px;font-size:.9rem}
nav.m a:hover,nav.m a[aria-current]{background:var(--navy2);color:#fff}
.btn{display:inline-block;background:var(--amber);color:var(--navy);font-weight:800;text-decoration:none;padding:12px 22px;border-radius:8px;border:0}
.btn:hover{background:#f2b658}.btn.ghost{background:transparent;color:#fff;border:2px solid #7f95ab}
.hero{background:var(--navy);color:#fff}
.hero .w{display:grid;grid-template-columns:1.05fr 1fr;gap:32px;align-items:center;padding-top:36px;padding-bottom:36px}
.eyebrow{color:var(--amber);font-weight:800;letter-spacing:.04em;font-size:.95rem;margin:0 0 6px}
.hero h1{font-size:2rem;line-height:1.3;margin:0 0 14px}
.hero p.lead{color:#dbe5ee;margin:0 0 20px}.hero .acts{display:flex;gap:10px;flex-wrap:wrap}
.hero img{border-radius:var(--r);width:100%;aspect-ratio:4/3;object-fit:cover}
.crumb{font-size:.85rem;color:var(--mute);padding:12px 0}.crumb a{color:var(--mute)}
main section{padding:34px 0;border-bottom:1px solid var(--line)}
main h2{font-size:1.45rem;line-height:1.4;margin:0 0 14px;color:var(--navy)}
main h3{font-size:1.1rem;margin:20px 0 8px;color:var(--navy2)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.card{background:var(--bg);border-top:4px solid var(--amber);border-radius:var(--r);padding:16px 18px}
.card h3{margin:0 0 6px}.card p{margin:0;color:var(--mute);font-size:.95rem}
.tw{overflow-x:auto;margin:12px 0}table{border-collapse:collapse;width:100%;min-width:520px;font-size:.95rem}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}th{background:var(--navy);color:#fff}tbody tr:nth-child(even){background:var(--bg)}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.steps li{counter-increment:s;background:var(--bg);border-radius:var(--r);padding:14px 16px}
.steps li:before{content:counter(s);display:inline-grid;place-items:center;width:26px;height:26px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;margin-bottom:6px}
.steps strong{display:block}
.gal{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:14px;align-items:start}
figure{margin:0}figure img{border-radius:var(--r);width:100%}figcaption{font-size:.88rem;color:var(--mute);padding-top:6px}
figure.p img{max-width:340px;margin:0 auto}
.note{background:#fff7e8;border-left:4px solid var(--amber);padding:12px 16px;border-radius:6px;margin:14px 0}
.faq details{border:1px solid var(--line);border-radius:8px;margin-bottom:8px;background:#fff}
.faq summary{cursor:pointer;font-weight:700;padding:13px 16px;color:var(--navy)}
.faq details[open] summary{border-bottom:1px solid var(--line)}.faq details p{margin:0;padding:12px 16px;color:var(--ink)}
.faq details.more>summary{background:var(--bg);text-align:center;color:var(--navy2)}
.faq details.more>div{padding:10px}
ul.links{columns:2;padding-left:18px}
.cta{background:var(--navy);color:#fff;text-align:center;padding:38px 0}
.cta h2{color:#fff;margin:0 0 8px}.cta p{color:#cfdbe8;margin:0 0 18px}
.ph{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.ph .btn{font-size:1.1rem;padding:14px 28px}
footer.f{background:#0a1e31;color:#9fb1c3;font-size:.88rem;padding:26px 0 90px}
footer.f p{margin:2px 0}footer.f a{color:#cfdbe8}
.mob{display:none}
.upd{color:var(--mute);font-size:.85rem;margin-top:18px}
@media(max-width:820px){.hero .w{grid-template-columns:1fr}.hero h1{font-size:1.6rem}.cards,.steps{grid-template-columns:1fr}ul.links{columns:1}
nav.m{display:none}header.top details{position:relative}
.mob{display:block}.mob summary{list-style:none;cursor:pointer;color:#fff;padding:8px 12px;border:1px solid #4d6781;border-radius:6px;font-size:.9rem}
.mob nav{position:absolute;right:0;top:44px;background:var(--navy2);border-radius:8px;padding:8px;display:grid;min-width:190px}
.mob nav a{color:#fff;text-decoration:none;padding:9px 12px}}
@media(max-width:820px){.bar{position:fixed;left:0;right:0;bottom:0;z-index:30;background:var(--navy);padding:8px 12px;display:flex;gap:8px;box-shadow:0 -2px 10px #0004}.bar a{flex:1;text-align:center;padding:12px;font-size:1rem}}
@media(min-width:821px){.bar{display:none}}