:root {
  --navy: #142238;
  --navy-800: #1c2f4d;
  --blue: #2f5d8a;
  --blue-dark: #204569;
  --blue-light: #eef3f8;
  --accent: #e08a2e;
  --accent-dark: #c4741d;
  --gray-900: #1b222c;
  --gray-700: #3d4552;
  --gray-600: #5b6572;
  --gray-300: #ccd2da;
  --gray-200: #e6e9ed;
  --gray-100: #f2f4f6;
  --bg: #f7f8fa;
  --radius-sm: 8px;
  --radius: 14px;
  --radius-lg: 22px;
  --shadow-sm: 0 1px 3px rgba(20,33,61,.07);
  --shadow-md: 0 10px 26px rgba(20,33,61,.10);
  --shadow-lg: 0 20px 48px rgba(20,33,61,.16);
  --space-section: 96px;
  --space-section-mobile: 56px;
}
* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: 'Pretendard Variable', 'Pretendard', -apple-system, "Noto Sans KR", "Malgun Gothic", sans-serif;
  color: var(--gray-900);
  background: var(--bg);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}
.wrap { max-width: 1080px; margin: 0 auto; padding: 0 20px; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-decoration: none; }
a:hover { color: var(--blue-dark); }
article p { max-width: 720px; }

/* header */
.site-header { position: sticky; top: 0; z-index: 30; background: rgba(255,255,255,.92); backdrop-filter: saturate(180%) blur(8px); border-bottom: 1px solid var(--gray-200); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.brand { font-weight: 800; font-size: 20px; color: var(--navy); letter-spacing: -.01em; }
.brand::before { content: ""; display: inline-block; width: 9px; height: 9px; border-radius: 50%; background: var(--accent); margin-right: 8px; vertical-align: middle; }
.main-nav { display: flex; gap: 28px; align-items: center; }
.main-nav a:not(.cta) { color: var(--gray-700); font-size: 15px; font-weight: 500; position: relative; padding: 4px 0; }
.main-nav a:not(.cta):hover { color: var(--navy); }
.main-nav a:not(.cta)::after { content: ""; position: absolute; left: 0; right: 0; bottom: -2px; height: 2px; background: var(--accent); transform: scaleX(0); transition: transform .18s ease; }
.main-nav a:not(.cta):hover::after { transform: scaleX(1); }
.main-nav .cta { background: var(--accent); color: #fff; padding: 10px 20px; border-radius: 999px; font-weight: 700; font-size: 14px; box-shadow: 0 6px 16px rgba(224,138,46,.35); transition: transform .15s ease, box-shadow .15s ease; }
.main-nav .cta:hover { color: #fff; transform: translateY(-1px); box-shadow: 0 8px 20px rgba(224,138,46,.45); }

/* buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; padding: 14px 26px; border-radius: 999px; font-weight: 700; font-size: 16px; transition: transform .15s ease, box-shadow .15s ease; }
.btn-accent { background: var(--accent); color: #fff; box-shadow: 0 10px 24px rgba(224,138,46,.4); }
.btn-accent:hover { color: #fff; transform: translateY(-2px); box-shadow: 0 14px 30px rgba(224,138,46,.5); }
.btn-outline { background: rgba(255,255,255,.08); color: #fff; border: 1.5px solid rgba(255,255,255,.6); }
.btn-outline:hover { background: rgba(255,255,255,.16); color: #fff; }
.btn-navy-outline { background: #fff; color: var(--navy); border: 1.5px solid var(--gray-300); }
.btn-navy-outline:hover { color: var(--navy); border-color: var(--navy); background: var(--blue-light); }

/* homepage hero */
.hero {
  position: relative;
  background-size: cover;
  background-position: center;
  padding: 120px 0 90px;
  margin-bottom: 0;
}
.hero-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(100deg, rgba(10,20,36,.92) 0%, rgba(10,20,36,.78) 45%, rgba(10,20,36,.55) 100%);
}
.hero-content { position: relative; z-index: 2; color: #fff; }
.hero-eyebrow { text-transform: uppercase; letter-spacing: .14em; font-size: 13px; font-weight: 700; color: var(--accent-dark); background: rgba(255,255,255,.92); display: inline-block; padding: 6px 14px; border-radius: 999px; margin-bottom: 18px; }
.hero-content h1 { color: #fff; font-size: 44px; padding-bottom: 0; }
.hero-content h1::after { display: none; }
.hero-content .lede { color: rgba(255,255,255,.86); max-width: 640px; font-size: 19px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin: 32px 0 28px; }
.quick-facts { display: flex; flex-wrap: wrap; gap: 10px; margin: 0; padding: 0; list-style: none; }
.quick-facts li { background: #fff; border: 1px solid var(--gray-200); padding: 9px 18px; border-radius: 999px; font-size: 14px; font-weight: 600; color: var(--navy-800); box-shadow: var(--shadow-sm); }
.quick-facts.on-dark li { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.25); color: #fff; }

/* inner-page hero band */
.breadcrumb { font-size: 13px; color: var(--gray-600); margin: 0 0 18px; }
.breadcrumb a { color: var(--gray-600); }
.breadcrumb a:hover { color: var(--blue); }
article > section:first-of-type {
  padding: 40px 0 var(--space-section-mobile);
  background: linear-gradient(180deg, var(--blue-light) 0%, var(--bg) 100%);
}
@media (min-width: 641px) {
  article > section:first-of-type { padding-top: 56px; padding-bottom: 72px; }
}
article > section:first-of-type h1 { position: relative; padding-bottom: 18px; margin-top: 8px; }
article > section:first-of-type h1::after {
  content: ""; position: absolute; left: 0; bottom: 0; width: 48px; height: 4px; border-radius: 2px; background: var(--accent);
}
article > section:first-of-type .quick-facts { margin-top: 24px; }

/* sections & rhythm */
section { padding: var(--space-section) 0; }
section.alt { background: #fff; }
h1 { font-size: 34px; margin: 0 0 16px; font-weight: 800; letter-spacing: -.01em; color: var(--navy); }
h2 { font-size: 26px; margin: 0 0 22px; font-weight: 800; color: var(--navy); }
h3 { font-size: 18px; margin: 0 0 8px; font-weight: 700; }
.lede { font-size: 18px; color: var(--gray-600); max-width: 720px; }
article section > h2 { margin-top: 8px; }
article section > *:not(:first-child) + h2 { margin-top: 64px; }

@media (max-width: 640px) {
  section { padding: var(--space-section-mobile) 0; }
  article section > *:not(:first-child) + h2 { margin-top: 40px; }
}

/* cards */
.card-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 24px; margin-top: 32px; }
.card {
  background: #fff; border: 1px solid var(--gray-200); border-radius: var(--radius);
  overflow: hidden; box-shadow: var(--shadow-sm);
  transition: transform .2s ease, box-shadow .2s ease;
  display: block;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.card img { aspect-ratio: 4/3; object-fit: cover; background: var(--gray-200); }
.card .card-body { padding: 18px 20px 20px; }
.card .card-body h3 { color: var(--navy); }
.card .meta { font-size: 14px; color: var(--gray-600); margin: 4px 0 0; }

/* tables */
table {
  width: 100%; border-collapse: collapse; margin: 28px 0;
  background: #fff; border: 1px solid var(--gray-200); border-radius: var(--radius);
  overflow: hidden; box-shadow: var(--shadow-sm);
}
table caption { text-align: left; font-weight: 700; padding: 14px 16px 0; color: var(--navy); caption-side: top; }
th, td { text-align: left; padding: 13px 16px; border-bottom: 1px solid var(--gray-200); font-size: 15px; }
th { background: var(--blue-light); color: var(--navy); font-weight: 700; }
tr:last-child td { border-bottom: none; }

ul.checklist { padding-left: 0; list-style: none; margin: 24px 0; max-width: 720px; }
ul.checklist li { padding: 10px 0 10px 30px; position: relative; border-bottom: 1px solid var(--gray-200); }
ul.checklist li::before { content: "✓"; position: absolute; left: 0; top: 10px; color: #fff; background: var(--accent); width: 18px; height: 18px; border-radius: 50%; font-size: 11px; line-height: 18px; text-align: center; font-weight: 700; }

.process-steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 20px; counter-reset: step; margin-top: 32px; }
.process-steps .step {
  background: #fff; border: 1px solid var(--gray-200); border-radius: var(--radius); padding: 24px;
  box-shadow: var(--shadow-sm); transition: transform .2s ease, box-shadow .2s ease;
}
.process-steps .step:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.process-steps .step h3 { color: var(--navy); }
.process-steps .step::before {
  counter-increment: step; content: counter(step); display: inline-flex; align-items: center; justify-content: center;
  width: 30px; height: 30px; background: var(--navy); color: #fff; border-radius: 50%; font-size: 14px; font-weight: 700; margin-bottom: 14px;
}

/* FAQ accordion (native details/summary — no JS) */
details.faq-item {
  border: 1px solid var(--gray-200); border-radius: var(--radius); background: #fff;
  margin: 12px 0; box-shadow: var(--shadow-sm); overflow: hidden;
}
details.faq-item + details.faq-item { margin-top: 12px; }
details.faq-item summary {
  list-style: none; cursor: pointer; padding: 18px 50px 18px 20px; font-weight: 700; color: var(--navy);
  position: relative; display: flex; gap: 10px; align-items: baseline;
}
details.faq-item summary::-webkit-details-marker { display: none; }
details.faq-item summary::before { content: "Q"; color: var(--accent); font-weight: 800; flex-shrink: 0; }
details.faq-item summary::after {
  content: "+"; position: absolute; right: 20px; top: 50%; transform: translateY(-50%);
  font-size: 22px; font-weight: 400; color: var(--gray-600); transition: transform .2s ease;
}
details.faq-item[open] summary::after { transform: translateY(-50%) rotate(45deg); }
details.faq-item summary:hover { background: var(--blue-light); }
details.faq-item p { margin: 0 20px 20px 40px; color: var(--gray-700); }

blockquote {
  margin: 32px 0; padding: 22px 26px; background: var(--blue-light); border-left: 4px solid var(--accent);
  border-radius: 0 var(--radius) var(--radius) 0; max-width: 760px;
}
blockquote p { margin: 0; font-size: 17px; color: var(--navy-800); font-style: italic; max-width: none; }
blockquote cite { display: block; margin-top: 10px; font-size: 14px; color: var(--gray-600); font-style: normal; }

.story-photo { margin: 28px 0; }
.story-photo img { width: 100%; aspect-ratio: 4/3; object-fit: cover; border-radius: var(--radius); background: var(--gray-200); box-shadow: var(--shadow-sm); }
.story-photo figcaption { font-size: 14px; color: var(--gray-600); margin-top: 8px; }

.floating-call {
  position: fixed; right: 20px; bottom: 20px; display: flex; align-items: center; gap: 8px;
  background: var(--accent); color: #fff; padding: 14px 20px; border-radius: 999px;
  box-shadow: 0 10px 28px rgba(224,138,46,.4); z-index: 20; font-weight: 700;
  transition: transform .15s ease, box-shadow .15s ease;
}
.floating-call:hover { color: #fff; transform: translateY(-2px); box-shadow: 0 14px 32px rgba(224,138,46,.5); }

.site-footer { background: var(--navy); color: #aeb8c8; padding: 56px 0 20px; margin-top: 0; }
.site-footer .wrap { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 32px; }
.site-footer a { color: #aeb8c8; display: block; margin: 6px 0; font-size: 14px; }
.site-footer a:hover { color: #fff; }
.footer-brand { color: #fff; font-weight: 800; font-size: 18px; margin: 0 0 10px; }
.footer-heading { color: #fff; font-weight: 700; margin: 0 0 10px; font-size: 15px; }
.footer-copy { text-align: center; color: #7c8699; font-size: 13px; margin: 40px 0 0; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.08); }

.related-links { margin-top: 40px; padding-top: 24px; border-top: 1px solid var(--gray-200); }

@media (max-width: 640px) {
  .main-nav a:not(.cta) { display: none; }
  h1 { font-size: 27px; }
  .hero { padding: 72px 0 56px; }
  .hero-content h1 { font-size: 32px; }
  article > section:first-of-type, article.wrap > section:first-of-type { padding-top: 32px; padding-bottom: 40px; }
  table { display: block; overflow-x: auto; white-space: nowrap; -webkit-overflow-scrolling: touch; }
  table caption { white-space: normal; }
}