:root{
  --brand:#0b2545;--brand-2:#13315c;--accent:#10b981;--accent-d:#059669;--accent-bg:#ecfdf5;
  --ink:#0f172a;--ink-2:#334155;--mute:#64748b;--line:#e2e8f0;--bg:#ffffff;--bg-2:#f6f8fb;
  --kakao:#fee500;--radius:16px;--shadow:0 1px 2px rgba(15,23,42,.04),0 8px 24px rgba(15,23,42,.06);
  color-scheme:light;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:80px}
body{margin:0;font-family:"Pretendard Variable",Pretendard,-apple-system,BlinkMacSystemFont,system-ui,"Apple SD Gothic Neo","Malgun Gothic",sans-serif;
  color:var(--ink);background:var(--bg);line-height:1.7;font-size:16px;word-break:keep-all;overflow-wrap:break-word}
a{color:inherit}
img{max-width:100%;height:auto}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:6px;height:50px;padding:0 22px;border-radius:12px;font-weight:700;
  font-size:16px;text-decoration:none;border:1px solid transparent;cursor:pointer;transition:transform .15s,background .15s;font-family:inherit}
.btn:active{transform:scale(.98)}
.btn-primary{background:var(--accent);color:#fff}.btn-primary:hover{background:var(--accent-d)}
.btn-kakao{background:var(--kakao);color:#191600}
.btn-ghost{background:#fff;border-color:var(--line);color:var(--ink)}
.btn-sm{height:40px;padding:0 16px;font-size:14px;border-radius:10px}
.btn-block{width:100%}

/* header */
.hd{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid var(--line)}
.hd-in{display:flex;align-items:center;gap:28px;height:68px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.logo-mark{width:38px;height:38px;flex:none}
.logo span{display:flex;flex-direction:column;line-height:1.15}
.logo b{font-size:20px;letter-spacing:-.02em;color:var(--brand)}
.logo small{font-size:11.5px;color:var(--mute);font-weight:500}
.nav{display:flex;gap:4px;flex:1}
.nav a{text-decoration:none;font-weight:600;font-size:15px;color:var(--ink-2);padding:8px 12px;border-radius:8px}
.nav a:hover,.nav a.on{color:var(--brand);background:var(--bg-2)}
.menu-btn{display:none;background:none;border:0;padding:8px;cursor:pointer;margin-left:auto}
.menu-btn span{display:block;width:22px;height:2px;background:var(--ink);margin:5px 0;border-radius:2px}
.mnav{display:none}

/* hero */
.hero{background:radial-gradient(1200px 400px at 80% -10%,rgba(16,185,129,.14),transparent 60%),linear-gradient(180deg,#f3f7fc,#fff);border-bottom:1px solid var(--line)}
.hero-in{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;padding:72px 20px 64px}
.eyebrow{display:inline-block;font-size:13px;font-weight:700;color:var(--accent-d);background:var(--accent-bg);padding:6px 12px;border-radius:999px}
.hero h1{font-size:44px;line-height:1.28;letter-spacing:-.035em;margin:18px 0 16px;color:var(--brand)}
.hero h1 em{font-style:normal;color:var(--accent-d);background:linear-gradient(transparent 62%,rgba(16,185,129,.18) 0)}
.hero p{font-size:18px;color:var(--ink-2);margin:0 0 28px;max-width:34em}
.hero-btns{display:flex;gap:10px;flex-wrap:wrap}
.hero-pts{display:flex;gap:18px;flex-wrap:wrap;list-style:none;padding:0;margin:24px 0 0;font-size:14px;color:var(--mute);font-weight:600}
.hero-pts li::before{content:"✓";color:var(--accent);margin-right:6px;font-weight:800}
.hero-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:22px;box-shadow:0 20px 50px rgba(11,37,69,.12)}
.hc-top{display:flex;justify-content:space-between;align-items:center;font-weight:800;color:var(--brand);padding-bottom:14px;border-bottom:1px dashed var(--line);margin-bottom:6px}
.hc-dot{width:10px;height:10px;border-radius:50%;background:var(--accent);box-shadow:0 0 0 5px var(--accent-bg)}
.hc-row{display:flex;justify-content:space-between;padding:12px 0;border-bottom:1px solid #f1f5f9;font-size:15px}
.hc-row span{color:var(--mute)}
.hc-hi{background:var(--accent-bg);margin:10px -10px 0;padding:14px 10px;border-radius:10px;border:0}
.hc-hi b{color:var(--accent-d)}
.hc-foot{font-size:12px;color:var(--mute);margin-top:10px;text-align:right}

/* sections */
.sec{padding:56px 20px 8px}
.sec-hd h2{font-size:26px;letter-spacing:-.03em;margin:0 0 20px;color:var(--brand)}
.cats{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.cat{display:flex;flex-direction:column;gap:6px;padding:22px;border:1px solid var(--line);border-radius:var(--radius);text-decoration:none;background:#fff;transition:border-color .15s,box-shadow .15s}
.cat:hover{border-color:var(--accent);box-shadow:var(--shadow)}
.cat-ic{font-size:28px}
.cat b{font-size:18px;color:var(--brand)}
.cat p{margin:0;font-size:14px;color:var(--mute);flex:1}
.cat-n{font-size:13px;font-weight:700;color:var(--accent-d)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.card{display:flex;flex-direction:column;gap:8px;padding:22px;border:1px solid var(--line);border-radius:var(--radius);text-decoration:none;background:#fff;transition:transform .15s,box-shadow .15s}
.card:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.card h3{margin:0;font-size:18px;line-height:1.45;letter-spacing:-.02em;color:var(--ink)}
.card p{margin:0;font-size:14.5px;color:var(--mute);flex:1;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
.card .meta{font-size:13px;color:#94a3b8}
.chip{align-self:flex-start;font-size:12.5px;font-weight:700;color:var(--brand-2);background:#eef3fa;padding:4px 10px;border-radius:999px}
.empty{color:var(--mute)}

/* category hero */
.cat-hero{background:var(--bg-2);border-bottom:1px solid var(--line);padding:36px 0 32px}
.cat-hero h1{font-size:32px;letter-spacing:-.03em;margin:8px 0;color:var(--brand)}
.cat-hero p{margin:0;color:var(--ink-2)}
.bc{font-size:13.5px;color:var(--mute);display:flex;gap:6px;flex-wrap:wrap}
.bc a{text-decoration:none}.bc a:hover{color:var(--brand)}

/* CTA */
.cta{position:relative;background:linear-gradient(135deg,var(--brand),var(--brand-2));color:#fff;border-radius:20px;padding:30px 28px;margin:40px 0;overflow:hidden}
.cta::after{content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;border-radius:50%;background:rgba(16,185,129,.25)}
.cta-badge{display:inline-block;font-size:12.5px;font-weight:700;background:rgba(255,255,255,.14);padding:5px 11px;border-radius:999px;margin-bottom:10px}
.cta h3{margin:0 0 6px;font-size:22px;letter-spacing:-.02em;position:relative;z-index:1}
.cta p{margin:0 0 18px;color:#cbd5e1;position:relative;z-index:1}
.cta-btns{display:flex;gap:10px;flex-wrap:wrap;position:relative;z-index:1}
.prose .cta h3{color:#fff;margin:0 0 6px;font-size:22px}
.prose .cta p{color:#cbd5e1;margin:0 0 18px}
.prose .cta a.btn{text-decoration:none}.prose .cta a.btn-primary{color:#fff}.prose .cta a.btn-kakao{color:#191600}

/* post */
.post{max-width:760px;padding-top:36px;padding-bottom:40px}
.post-hd h1{font-size:34px;line-height:1.35;letter-spacing:-.035em;margin:12px 0 12px;color:var(--brand)}
.post-hd .lead{font-size:18px;color:var(--ink-2);margin:0 0 20px}
.byline{display:flex;gap:12px;align-items:center;font-size:14.5px;padding-bottom:24px;border-bottom:1px solid var(--line)}
.byline small{color:var(--mute)}
.avatar{width:42px;height:42px;border-radius:50%;background:var(--brand);color:#fff;display:inline-flex;align-items:center;justify-content:center;font-weight:800;flex:none}
.avatar.lg{width:56px;height:56px;font-size:20px}
.toc{background:var(--bg-2);border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin:28px 0}
.toc b{font-size:15px;color:var(--brand)}
.toc ol{margin:8px 0 0;padding-left:20px}
.toc li{margin:4px 0;font-size:15px}
.toc a{text-decoration:none;color:var(--ink-2)}.toc a:hover{color:var(--accent-d)}
.prose{font-size:17.5px;line-height:1.85;color:#1e293b}
.prose h2{font-size:25px;letter-spacing:-.03em;line-height:1.4;margin:52px 0 16px;padding-top:4px;color:var(--brand)}
.prose h3{font-size:20px;margin:32px 0 10px;color:var(--ink)}
.prose p{margin:0 0 18px}
.prose ul,.prose ol{padding-left:22px;margin:0 0 20px}
.prose li{margin:6px 0}
.prose strong{color:var(--ink);background:linear-gradient(transparent 65%,rgba(16,185,129,.18) 0)}
.prose a{color:var(--accent-d);text-underline-offset:3px}
.prose table{width:100%;border-collapse:collapse;margin:8px 0 24px;font-size:15.5px;display:block;overflow-x:auto;white-space:nowrap}
.prose th,.prose td{border:1px solid var(--line);padding:11px 14px;text-align:left}
.prose th{background:#eef3fa;color:var(--brand);font-weight:700}
.prose tr:nth-child(even) td{background:#fafcfe}
.prose blockquote{margin:24px 0;padding:16px 20px;border-left:4px solid var(--accent);background:var(--accent-bg);border-radius:0 12px 12px 0;color:#065f46}
.prose blockquote p:last-child{margin:0}
.box{border-radius:14px;padding:18px 20px;margin:24px 0;border:1px solid}
.box p:last-child,.box ul:last-child{margin-bottom:0}
.box-tip{background:var(--accent-bg);border-color:#a7f3d0}
.box-warn{background:#fff7ed;border-color:#fed7aa}
.box b.box-t{display:block;margin-bottom:6px;color:var(--ink)}
.faq details{border:1px solid var(--line);border-radius:12px;padding:0 18px;margin:10px 0;background:#fff}
.faq summary{cursor:pointer;font-weight:700;padding:15px 0;list-style:none}
.faq summary::before{content:"Q. ";color:var(--accent-d)}
.faq details p{margin:0 0 16px;color:var(--ink-2)}
.author-box{display:flex;gap:16px;align-items:center;padding:22px;border:1px solid var(--line);border-radius:var(--radius);margin:40px 0 0;background:var(--bg-2)}
.author-box p{margin:4px 0 0;font-size:14.5px;color:var(--mute)}
.related{margin-top:48px}
.related h2{font-size:22px;color:var(--brand);margin:0 0 16px}
.related .cards{grid-template-columns:repeat(3,1fr)}
.related .card h3{font-size:16px}
.related .card p{display:none}
.ad{margin:32px 0;min-height:100px}

/* quote form */
.page{max-width:720px}
.page h1{font-size:32px;letter-spacing:-.03em;color:var(--brand);margin:8px 0 16px}
.page .prose{font-size:16.5px}
.qform{display:flex;flex-direction:column;gap:18px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:26px;box-shadow:var(--shadow);margin-top:24px}
.qform fieldset{border:0;padding:0;margin:0}
.qform legend{font-weight:700;margin-bottom:10px}
.opts{display:flex;flex-wrap:wrap;gap:8px}
.opts label{position:relative}
.opts input{position:absolute;opacity:0}
.opts span{display:inline-block;padding:10px 16px;border:1px solid var(--line);border-radius:999px;font-size:15px;font-weight:600;cursor:pointer;background:#fff}
.opts input:checked+span{border-color:var(--accent);background:var(--accent-bg);color:var(--accent-d)}
.opts input:focus-visible+span{outline:2px solid var(--accent);outline-offset:2px}
.qform .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.qform label{display:flex;flex-direction:column;gap:6px;font-weight:600;font-size:14.5px}
.qform input:not([type=radio]):not([type=checkbox]),.qform select,.qform textarea{font:inherit;font-weight:400;font-size:16px;padding:12px 14px;border:1px solid #cbd5e1;border-radius:10px;background:#fff;width:100%}
.qform input:focus,.qform select:focus,.qform textarea:focus{outline:2px solid var(--accent);border-color:transparent}
.qform .agree{flex-direction:row;align-items:flex-start;gap:10px;font-weight:500;font-size:14.5px}
.qform .agree input{margin-top:5px;width:18px;height:18px;flex:none}
.qform .agree small{color:var(--mute)}
.hp{position:absolute;left:-9999px}
.qmsg{margin:0;font-weight:700;text-align:center}
.qmsg.ok{color:var(--accent-d)}.qmsg.err{color:#dc2626}
.quote-alt{text-align:center;margin:28px 0}
.quote-alt p{color:var(--mute);margin:0 0 10px}
.quote-alt .btn{margin:4px}

/* footer */
.ft{background:var(--brand);color:#cbd5e1;padding:40px 0 110px;margin-top:64px;font-size:14px}
.ft .logo b{color:#fff}.ft .logo small{color:#94a3b8}
.ft-top{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;padding-bottom:20px;border-bottom:1px solid rgba(255,255,255,.1)}
.ft-top nav{display:flex;gap:18px;flex-wrap:wrap}
.ft-top nav a{text-decoration:none}.ft-top nav a:hover{color:#fff}
.ft-note{color:#94a3b8;font-size:13px;margin:20px 0 8px}
.ft-biz,.ft-copy{color:#94a3b8;font-size:13px;margin:4px 0}

/* mobile bar */
.mobile-bar{display:none}

@media (max-width:960px){
  .hero-in{grid-template-columns:1fr;padding:48px 20px}
    .cats{grid-template-columns:repeat(2,1fr)}
  .cards,.related .cards{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:760px){
  .wrap{padding:0 16px}
  .sec{padding:40px 16px 4px}
  .hero-in{padding:36px 16px 40px}
  .post{padding-bottom:40px}
  .hero-pts{gap:6px 14px}
  .nav,.hd-cta{display:none}
  .menu-btn{display:block}
  .hd-in{height:60px}
  .menu-open .mnav{display:flex;flex-direction:column;padding:8px 16px 16px;border-top:1px solid var(--line);background:#fff}
  .mnav a{padding:12px 4px;text-decoration:none;font-weight:600;border-bottom:1px solid #f1f5f9}
  .hero h1{font-size:31px}
  .hero p{font-size:16.5px}
  .hero-btns .btn{flex:1}
  .cats{grid-template-columns:1fr 1fr;gap:10px}
  .cat{padding:16px}.cat p{display:none}
  .cards,.related .cards{grid-template-columns:1fr}
  .post{padding-top:24px}
  .post-hd h1{font-size:27px}
  .post-hd .lead{font-size:16.5px}
  .prose{font-size:16.5px}
  .prose h2{font-size:22px;margin-top:44px}
  .cta{padding:24px 20px}
  .cta-btns .btn{flex:1}
  .qform{padding:20px 16px}
  .qform .row{grid-template-columns:1fr}
  .mobile-bar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;gap:8px;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(15,23,42,.06)}
  .mobile-bar a{flex:1;height:48px;display:flex;align-items:center;justify-content:center;border-radius:12px;font-weight:800;text-decoration:none}
  .mb-kakao{background:var(--kakao);color:#191600}
  .mb-quote{background:var(--accent);color:#fff}
}

/* hero photo */
.hero-photo{position:relative;align-self:end;margin-bottom:-64px;min-height:420px}
.hp-bg{position:absolute;inset:40px 0 0 0;border-radius:28px 28px 0 0;background:radial-gradient(circle at 60% 30%,#1d4e89,#0b2545 70%)}
.hp-cross{position:absolute;right:36px;top:70px;width:54px;height:54px;background:linear-gradient(#10b981,#10b981) center/16px 100% no-repeat,linear-gradient(#10b981,#10b981) center/100% 16px no-repeat}
.hero-photo img{position:relative;display:block;width:100%;height:auto;max-width:460px;margin:0 auto}
.hp-tag{position:absolute;left:20px;bottom:24px;background:#fff;color:var(--ink);border-radius:14px;padding:10px 16px;box-shadow:0 10px 30px rgba(0,0,0,.2);display:flex;flex-direction:column;line-height:1.3}
.hp-tag b{font-size:18px;color:var(--brand)}.hp-tag span{font-size:13px;color:var(--mute)}
img.avatar{object-fit:cover;padding:0}
@media (max-width:960px){.hero-in{gap:20px}.hero-photo{display:block;max-width:420px;width:100%;margin:8px auto -48px;min-height:0}}