*{box-sizing:border-box}
body{margin:0;font-family:Arial,"Noto Sans KR",sans-serif;color:#111827;background:#f7fbff}
a{color:#1d4ed8;text-decoration:none}
a:hover{text-decoration:underline}
.page{min-height:100vh;display:flex;flex-direction:column}
.nav,.footer{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:18px clamp(18px,5vw,64px);background:rgba(255,255,255,.94);border-bottom:1px solid #e5e7eb}
.footer{margin-top:auto;border-top:1px solid #e5e7eb;border-bottom:0;flex-wrap:wrap;color:#64748b;font-size:14px}
.brand{font-weight:950;color:#0f172a;font-size:20px}.links{display:flex;gap:14px;flex-wrap:wrap;font-weight:800;font-size:14px}
.hero{padding:56px clamp(18px,5vw,72px) 36px;background:linear-gradient(135deg,#eff6ff,#ffffff 54%,#ecfdf5)}
.heroInner{max-width:1040px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1.15fr) minmax(280px,.85fr);gap:32px;align-items:center}
.kicker{display:inline-flex;font-size:13px;font-weight:950;color:#047857;background:#ecfdf5;border:1px solid #bbf7d0;border-radius:999px;padding:7px 11px;margin-bottom:16px}
h1{font-size:clamp(34px,5vw,58px);line-height:1.08;letter-spacing:0;margin:0 0 18px;color:#0f172a}
.lead{font-size:18px;line-height:1.75;color:#334155;margin:0 0 24px;word-break:keep-all}
.ctaRow{display:flex;gap:12px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:50px;border-radius:8px;padding:0 20px;font-weight:950;border:1px solid #dbeafe;background:#fff}
.btn.primary{background:linear-gradient(135deg,#16a34a,#2563eb);color:#fff;border:0;box-shadow:0 16px 34px rgba(37,99,235,.22)}
.panel{background:#fff;border:1px solid #e5e7eb;border-radius:8px;padding:24px;box-shadow:0 18px 46px rgba(15,23,42,.08)}
.panel b{display:block;font-size:18px;margin-bottom:12px}.panel ul{margin:0;padding-left:20px;color:#475569;line-height:1.8}
.section{max-width:1040px;margin:0 auto;padding:36px clamp(18px,5vw,72px)}
.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.card{background:#fff;border:1px solid #e5e7eb;border-radius:8px;padding:20px}
h2{font-size:28px;letter-spacing:0;margin:0 0 14px;color:#0f172a}h3{font-size:18px;margin:0 0 8px;color:#0f172a}
p,li{line-height:1.75;color:#475569;word-break:keep-all}.fine{font-size:13px;color:#64748b}
.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;counter-reset:step}
.step{background:#fff;border:1px solid #e5e7eb;border-radius:8px;padding:18px;position:relative}
.step:before{counter-increment:step;content:counter(step);display:inline-flex;align-items:center;justify-content:center;width:28px;height:28px;border-radius:999px;background:#e0f2fe;color:#075985;font-weight:950;margin-bottom:10px}
.faq{display:grid;gap:10px}
.faq details{background:#fff;border:1px solid #e5e7eb;border-radius:8px;padding:16px}
.faq summary{cursor:pointer;font-weight:950;color:#0f172a}
.related{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.related a{display:inline-flex;align-items:center;min-height:40px;border:1px solid #dbeafe;border-radius:8px;padding:0 14px;background:#fff;font-weight:850}
.noteBand{background:#f8fafc;border-top:1px solid #e5e7eb;border-bottom:1px solid #e5e7eb}
.doc{max-width:880px;margin:0 auto;padding:44px clamp(18px,5vw,72px);background:#fff}
.doc h1{font-size:38px}.doc h2{margin-top:32px}.doc table{width:100%;border-collapse:collapse;margin:16px 0}.doc th,.doc td{border:1px solid #e5e7eb;padding:12px;text-align:left;vertical-align:top}.doc th{background:#f8fafc;color:#0f172a}
@media(max-width:820px){.heroInner,.grid,.steps{grid-template-columns:1fr}.nav{align-items:flex-start;flex-direction:column}.links{gap:10px}.hero{padding-top:34px}.panel{padding:20px}}