:root {
  --page: #ffffff;
  --paper: #ffffff;
  --ink: #142536;
  --muted: #607285;
  --line: #d8e3ef;
  --brand: #1768c2;
  --brand-2: #0f4f9a;
  --accent: #5aa7ff;
  --soft: #eaf4ff;
  --shadow: 0 18px 46px rgba(23, 60, 105, .12);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Pretendard", "Noto Sans KR", "Apple SD Gothic Neo", Arial, sans-serif;
  color: var(--ink);
  background: var(--page);
  line-height: 1.68;
  word-break: keep-all;
}

a {
  color: inherit;
  text-decoration: none;
}

.wrap {
  width: min(860px, calc(100% - 32px));
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  border-bottom: 1px solid rgba(67, 101, 139, .16);
  background: rgba(255, 255, 255, .92);
  backdrop-filter: blur(12px);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 68px;
  gap: 18px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  letter-spacing: 0;
}

.brand-mark {
  display: block;
  width: 34px;
  height: 34px;
  border-radius: 8px;
}

.brand-mark img {
  display: block;
  width: 100%;
  height: 100%;
}

.nav-links {
  display: flex;
  gap: 6px;
  align-items: center;
  font-size: 15px;
}

.nav-links a {
  padding: 9px 11px;
  border-radius: 8px;
  color: #32475c;
}

.nav-links a:hover,
.nav-links a[aria-current="page"] {
  background: var(--soft);
  color: var(--brand);
}

.hero {
  padding: 48px 0 34px;
}

.hero.simple {
  text-align: center;
  padding-bottom: 20px;
}

.hero.simple h1 {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.hero.simple .eyebrow,
.hero.simple .lead {
  margin-left: auto;
  margin-right: auto;
}

.hero.simple .hero-actions {
  flex-direction: column;
  align-items: center;
}

.hero.simple .hero-actions .button {
  width: 90%;
  max-width: 560px;
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(300px, .92fr);
  align-items: center;
  gap: 24px;
}

.hero-copy {
  padding: 12px 0 0;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin: 0 0 12px;
  color: var(--brand);
  font-size: 14px;
  font-weight: 800;
}

.eyebrow::before {
  content: "";
  width: 22px;
  height: 3px;
  border-radius: 99px;
  background: var(--brand);
}

h1,
h2,
h3 {
  margin: 0;
  line-height: 1.28;
  letter-spacing: 0;
}

h1 {
  max-width: 760px;
  font-size: clamp(27px, 6.4vw, 45px);
}

h2 {
  font-size: 28px;
}

h3 {
  font-size: 20px;
}

p {
  margin: 0;
}

.lead {
  max-width: 720px;
  margin-top: 18px;
  color: #52677c;
  font-size: 18px;
}

.hero-actions,
.button-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 24px;
}

.hero-actions {
  justify-content: flex-start;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0 16px;
  border: 1px solid transparent;
  border-radius: 8px;
  font-weight: 800;
  line-height: 1;
}

.button.large {
  min-height: 64px;
  padding: 0 24px;
  font-size: 20px;
}

.quick-actions {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
  margin-top: 30px;
}

.quick-actions .button {
  min-height: 76px;
  font-size: 21px;
  box-shadow: 0 10px 28px rgba(23, 104, 194, .12);
}

.ad-wrap {
  margin: 10px auto 18px;
  padding: 14px;
  border: 1px dashed #b9cce0;
  border-radius: 8px;
  background: #fff;
}

.section:has(.ad-wrap) {
  padding-top: 18px;
}

.article-content {
  display: grid;
  gap: 20px;
}

.article-content p {
  color: #40566c;
  font-size: 17px;
}

.article-content h2 {
  margin-top: 8px;
}

.article-content strong {
  color: var(--brand);
}

.button.primary {
  color: #fff;
  background: var(--brand);
}

.button.secondary {
  color: var(--brand);
  border-color: rgba(23, 104, 194, .28);
  background: #fff;
}

.hero-visual {
  position: relative;
  overflow: hidden;
  margin: 0;
  min-height: 262px;
  border: 1px solid rgba(67, 101, 139, .16);
  border-radius: 16px;
  box-shadow: 0 20px 54px rgba(23, 60, 105, .16);
  background: #fff;
}

.hero-visual::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(255, 255, 255, .18), rgba(255, 255, 255, 0) 42%);
  pointer-events: none;
}

.hero-visual img {
  display: block;
  width: 100%;
  height: 100%;
  min-height: inherit;
  object-fit: cover;
}

.section {
  padding: 36px 0;
}

.section-head {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  align-items: end;
  margin-bottom: 18px;
}

.section-head p {
  max-width: 500px;
  color: var(--muted);
}

.info-strip {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}

.mini {
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
}

.mini strong {
  display: block;
  margin-bottom: 6px;
  color: var(--brand);
  font-size: 15px;
}

.mini span {
  color: var(--muted);
  font-size: 15px;
}

.cards {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}

.card {
  display: flex;
  flex-direction: column;
  min-height: 234px;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
  box-shadow: 0 8px 22px rgba(44, 51, 48, .06);
}

.card-icon {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 18px;
  border-radius: 8px;
  color: var(--brand);
  background: var(--soft);
  font-weight: 900;
}

.card p {
  margin-top: 10px;
  color: var(--muted);
  font-size: 15px;
}

.card .text-link {
  margin-top: auto;
  padding-top: 18px;
}

.text-link {
  color: var(--brand);
  font-weight: 800;
}

.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  align-items: start;
}

.panel {
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
}

.panel h3 + p,
.panel h2 + p {
  margin-top: 10px;
  color: var(--muted);
}

.list {
  display: grid;
  gap: 12px;
  margin: 18px 0 0;
  padding: 0;
  list-style: none;
}

.list li {
  position: relative;
  padding-left: 24px;
  color: #41576d;
}

.list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: .72em;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--brand);
}

.steps {
  display: grid;
  gap: 10px;
  counter-reset: step;
}

.step {
  display: grid;
  grid-template-columns: 42px 1fr;
  gap: 14px;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
  counter-increment: step;
}

.step::before {
  content: counter(step);
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  color: #fff;
  background: var(--brand);
  font-weight: 900;
}

.step p {
  color: var(--muted);
  font-size: 15px;
}

.notice {
  padding: 18px 20px;
  border-left: 5px solid var(--brand-2);
  border-radius: 8px;
  background: #edf6ff;
  color: #25445f;
}

.calculator {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  align-items: start;
}

.form-grid {
  display: grid;
  gap: 16px;
}

.field {
  display: grid;
  gap: 7px;
}

.field label {
  font-weight: 800;
  color: #284158;
}

.field input,
.field select {
  width: 100%;
  min-height: 46px;
  padding: 0 12px;
  border: 1px solid #c9d8e8;
  border-radius: 8px;
  background: #fff;
  color: var(--ink);
  font: inherit;
}

.field small {
  color: var(--muted);
}

.result-box {
  display: grid;
  gap: 14px;
  padding: 24px;
  border: 1px solid rgba(23, 104, 194, .24);
  border-radius: 8px;
  background: #eaf4ff;
}

.result-label {
  color: var(--brand);
  font-weight: 900;
}

.result-amount {
  font-size: clamp(34px, 7vw, 48px);
  line-height: 1.1;
  font-weight: 900;
  color: var(--ink);
}

.result-amount small {
  font-size: 18px;
  font-weight: 800;
}

.result-meta {
  color: #4e667f;
  font-size: 15px;
}

.result-detail {
  padding: 14px 16px;
  border-radius: 8px;
  background: rgba(255, 255, 255, .82);
  color: #40566c;
  font-size: 15px;
}

.meter {
  overflow: hidden;
  width: 100%;
  height: 10px;
  border-radius: 999px;
  background: #cfe2f6;
}

.meter span {
  display: block;
  width: 0;
  height: 100%;
  border-radius: inherit;
  background: var(--brand);
  transition: width .2s ease;
}

.dynamic-field[hidden] {
  display: none;
}

.page-title {
  padding: 42px 0 22px;
}

.page-title h1 {
  font-size: clamp(32px, 7vw, 48px);
}

.breadcrumb {
  margin-bottom: 10px;
  color: var(--brand);
  font-size: 14px;
  font-weight: 800;
}

.toc {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 22px;
}

.toc a {
  padding: 8px 12px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
  color: #486177;
  font-size: 14px;
  font-weight: 700;
}

.table {
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
}

.table-row {
  display: grid;
  grid-template-columns: 180px 1fr;
  border-top: 1px solid var(--line);
}

.table-row:first-child {
  border-top: 0;
}

.table-row strong,
.table-row span {
  padding: 16px;
}

.table-row strong {
  color: var(--brand);
  background: #eaf4ff;
}

.table-row span {
  color: #40566c;
}

.faq {
  display: grid;
  gap: 10px;
}

details {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
}

summary {
  cursor: pointer;
  padding: 17px 18px;
  font-weight: 800;
}

details p {
  padding: 0 18px 18px;
  color: var(--muted);
}

.site-footer {
  margin-top: 36px;
  padding: 28px 0 42px;
  border-top: 1px solid rgba(67, 101, 139, .16);
  color: #607285;
  font-size: 14px;
}

.site-footer a {
  color: var(--brand);
  font-weight: 800;
}

@media (max-width: 760px) {
  .nav {
    align-items: flex-start;
    flex-direction: column;
    padding: 14px 0;
  }

  .nav-links {
    width: 100%;
    overflow-x: auto;
    padding-bottom: 2px;
  }

  .nav-links a {
    white-space: nowrap;
  }

  .hero {
    padding-top: 32px;
  }

  .hero-grid {
    grid-template-columns: 1fr;
  }

  .hero-actions {
    justify-content: center;
  }

  .hero-visual {
    min-height: 220px;
  }

  .info-strip,
  .quick-actions,
  .cards,
  .split,
  .calculator {
    grid-template-columns: 1fr;
  }

  .section-head {
    display: block;
  }

  .section-head p {
    margin-top: 10px;
  }

  .table-row {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 480px) {
  .wrap {
    width: min(100% - 24px, 860px);
  }

  .hero-actions,
  .button-row {
    flex-direction: column;
  }

  .button {
    width: 100%;
  }

  .panel,
  .card,
  .mini {
    padding: 18px;
  }
}