:root{
  --bg:#ffffff; --fg:#1b2430; --mut:#5c6673; --line:#e6e9ee;
  --navy:#13395e; --navy2:#1f5c8a; --soft:#f4f7fa; --soft2:#eef2f7;
  --cta:#13395e; --cta-h:#0e2a46; --gold:#b5832a; --ok:#1f6f54; --warn:#b5541e;
  --maxw:1080px; --radius:14px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--fg);
  font-family:-apple-system,"Apple SD Gothic Neo","Malgun Gothic","Noto Sans KR",system-ui,sans-serif;
  line-height:1.72;font-size:16.5px;-webkit-font-smoothing:antialiased}
a{color:var(--navy2);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{letter-spacing:-.02em;line-height:1.3;margin:0 0 .4em}
h1{font-size:clamp(27px,4.4vw,42px)}
h2{font-size:clamp(21px,3vw,28px)}
h3{font-size:19px}
p{margin:.6em 0}
img{max-width:100%}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.btn{display:inline-block;background:var(--cta);color:#fff;padding:13px 24px;border-radius:999px;
  font-weight:600;font-size:15.5px;border:1px solid var(--cta);transition:.15s;cursor:pointer}
.btn:hover{background:var(--cta-h);text-decoration:none;color:#fff}
.btn.ghost{background:transparent;color:var(--navy);border-color:var(--line)}
.btn.ghost:hover{background:var(--soft);color:var(--navy)}
.btn.lg{padding:15px 30px;font-size:16.5px}
/* header */
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);
  backdrop-filter:saturate(1.3) blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:66px}
.logo{font-weight:800;color:var(--navy);font-size:17px;letter-spacing:-.02em}
.logo small{display:block;font-weight:500;color:var(--mut);font-size:11.5px;letter-spacing:.01em}
.navlinks{display:flex;align-items:center;gap:26px}
.navlinks a{color:var(--fg);font-size:15.5px;font-weight:500}
.navlinks a.active{color:var(--navy);font-weight:700}
.navlinks a.cta{background:var(--cta);color:#fff;padding:9px 18px;border-radius:999px}
.navlinks a.cta:hover{background:var(--cta-h);text-decoration:none}
.navtoggle{display:none}
.hamb{display:none;cursor:pointer;font-size:24px;color:var(--navy);background:none;border:0;padding:6px}
@media(max-width:820px){
  .hamb{display:block}
  .navlinks{position:fixed;inset:66px 0 auto 0;background:#fff;flex-direction:column;
    gap:0;border-bottom:1px solid var(--line);max-height:0;overflow:hidden;transition:max-height .25s}
  .navlinks a{width:100%;padding:15px 20px;border-top:1px solid var(--line)}
  .navlinks a.cta{border-radius:0;text-align:center}
  .navtoggle:checked ~ .navlinks{max-height:420px}
}
/* hero */
.hero{background:linear-gradient(180deg,var(--soft),#fff);border-bottom:1px solid var(--line)}
.hero .wrap{padding-top:64px;padding-bottom:64px}
.eyebrow{color:var(--navy2);font-weight:700;font-size:14px;letter-spacing:.04em;margin-bottom:12px}
.hero h1{max-width:18ch}
.hero .lead{font-size:clamp(16px,2.2vw,19px);color:var(--mut);max-width:60ch;margin:18px 0 28px}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.cta-note{color:var(--mut);font-size:13.5px;margin-top:14px}
/* sections */
section{padding:56px 0}
section.alt{background:var(--soft)}
.sec-head{max-width:62ch;margin-bottom:28px}
.sec-head .eyebrow{margin-bottom:8px}
.grid{display:grid;gap:18px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
@media(max-width:820px){.g2,.g3{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px 22px}
.card.soft{background:var(--soft)}
.card h3{margin-bottom:6px}
.card .tag{display:inline-block;font-size:12px;color:var(--navy2);background:var(--soft2);
  border-radius:999px;padding:2px 10px;margin-bottom:10px;font-weight:600}
.card .more{display:inline-block;margin-top:12px;font-weight:600;font-size:14.5px}
ul.check{list-style:none;padding:0;margin:14px 0}
ul.check li{position:relative;padding:7px 0 7px 28px;border-bottom:1px solid var(--line)}
ul.check li:before{content:"✓";position:absolute;left:0;top:7px;color:var(--navy2);font-weight:800}
ol.steps{counter-reset:s;list-style:none;padding:0;margin:16px 0}
ol.steps li{position:relative;padding:10px 0 10px 46px;border-bottom:1px solid var(--line)}
ol.steps li:before{counter-increment:s;content:counter(s);position:absolute;left:0;top:10px;
  width:30px;height:30px;background:var(--navy);color:#fff;border-radius:50%;
  display:flex;align-items:center;justify-content:center;font-size:14px;font-weight:700}
.faq{border:1px solid var(--line);border-radius:12px;overflow:hidden;margin:10px 0}
.faq summary{padding:16px 18px;font-weight:600;cursor:pointer;list-style:none;background:#fff}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";float:right;color:var(--navy2);font-weight:800}
.faq[open] summary:after{content:"–"}
.faq .ans{padding:0 18px 16px;color:var(--mut)}
.band{background:var(--navy);color:#fff;border-radius:var(--radius)}
.band .wrap, .band-inner{padding:40px 24px;text-align:center}
.band h2{color:#fff}
.band p{color:#cdd8e4;max-width:56ch;margin:10px auto 22px}
.band .btn{background:#fff;color:var(--navy);border-color:#fff}
.band .btn:hover{background:#eef2f7;color:var(--navy)}
.notice{border-left:3px solid var(--ok);background:var(--soft);padding:14px 18px;border-radius:0 10px 10px 0;font-size:14.5px;color:var(--mut);margin:16px 0}
.notice b{color:var(--fg)}
.crumb{font-size:13px;color:var(--mut);padding:18px 0 0}
.crumb a{color:var(--mut)}
/* form */
.field{margin:14px 0}
.field label{display:block;font-weight:600;font-size:14.5px;margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;padding:12px 14px;border:1px solid var(--line);
  border-radius:10px;font-size:15.5px;font-family:inherit;background:#fff;color:var(--fg)}
.field textarea{min-height:120px;resize:vertical}
.req{color:var(--warn)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:14px;color:var(--mut)}
.consent input{width:auto;margin-top:5px}
/* footer */
footer.site{background:#0f2338;color:#c3cedb;padding:46px 0 30px;font-size:14px;margin-top:20px}
footer.site .wrap{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:28px}
@media(max-width:820px){footer.site .wrap{grid-template-columns:1fr}}
footer.site h4{color:#fff;font-size:14px;margin-bottom:10px}
footer.site a{color:#c3cedb;display:block;padding:3px 0}
footer.site a:hover{color:#fff}
footer .legal{border-top:1px solid #23415c;margin-top:26px;padding-top:18px;color:#8ea2b6;font-size:12.5px;line-height:1.7}
.lead-min{color:var(--mut);font-size:15px}
.kicker{color:var(--navy2);font-weight:700}