:root{--bg:#f7f8fa;--paper:#fff;--ink:#14213d;--text:#2b2f3a;--muted:#5f6675;--line:#e3e7ee;--navy:#0f2a4a;--navy-2:#1d4e89;--amber:#f5b400;--amber-soft:#fff6d6;--red:#c0392b;--red-soft:#fdecea;--green:#1b7f5a;--green-soft:#e7f6ef;--radius:16px;--max:1080px;--shadow:0 8px 28px rgba(15,42,74,.08)}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){--bg:#f7f8fa}}
:root[data-theme="dark"]{--bg:#f7f8fa}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font-family:'Noto Sans KR','Apple SD Gothic Neo','Malgun Gothic',system-ui,sans-serif;line-height:1.85;font-size:17px;word-break:keep-all;overflow-x:hidden}
a{color:inherit;text-decoration:none}img,svg{max-width:100%;height:auto;display:block}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--amber);color:#000;padding:8px 14px;z-index:999}.skip:focus{left:8px}
h1,h2,h3{color:var(--ink);letter-spacing:-.02em;line-height:1.3}
.notice{background:var(--navy);color:#fff;font-size:13.5px;text-align:center;padding:8px 16px}.notice a{color:var(--amber);font-weight:700}
.hdr{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;height:66px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;font-weight:900;color:var(--navy);font-size:18px}
.brand .mark{width:36px;height:36px;border-radius:10px;background:var(--navy);color:var(--amber);display:grid;place-items:center}
.nav{display:flex;gap:2px;align-items:center}
.nav a{padding:8px 13px;border-radius:9px;font-weight:700;color:var(--muted);font-size:14.5px;white-space:nowrap}
.nav a:hover,.nav a.on{color:var(--navy);background:#eef2f8}
.nav a.cta{background:var(--red);color:#fff;margin-left:6px}
.burger{display:none;border:1px solid var(--line);color:var(--ink);border-radius:9px;width:42px;height:42px;cursor:pointer;align-items:center;justify-content:center;background:#fff}
#navtoggle{display:none}
@media (max-width:960px){.burger{display:inline-flex}.nav{display:none;position:absolute;left:0;right:0;top:66px;background:#fff;flex-direction:column;align-items:stretch;padding:10px 16px 16px;border-bottom:1px solid var(--line)}#navtoggle:checked ~ .nav{display:flex}.nav a{padding:12px 14px;font-size:16px}.nav a.cta{margin:6px 0 0;text-align:center}}
.hero{padding:52px 0 32px;background:linear-gradient(180deg,#eef2f8,var(--bg))}
.badge{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 14px;font-size:13px;font-weight:700;color:var(--navy)}
h1{font-size:clamp(26px,3.8vw,40px);margin:16px 0 14px;font-weight:900}
.lead{font-size:17.5px;color:var(--muted);margin:0 0 22px;max-width:760px}
.btns{display:flex;gap:10px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 20px;border-radius:11px;font-weight:700;font-size:15px;border:2px solid transparent;transition:.2s}
.btn-p{background:var(--navy);color:#fff}.btn-p:hover{background:var(--navy-2)}
.btn-s{background:#fff;border-color:var(--line);color:var(--ink)}.btn-s:hover{border-color:var(--navy)}
.btn-r{background:var(--red);color:#fff}
.toc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px 24px;box-shadow:var(--shadow);margin:24px 0}
.toc b{display:block;margin-bottom:10px;font-size:15px;color:var(--ink)}.toc ol{margin:0;padding-left:20px;columns:2;gap:28px}.toc li{margin:4px 0;font-size:15px}.toc a{color:var(--muted)}.toc a:hover{color:var(--navy)}
@media (max-width:640px){.toc ol{columns:1}}
section{padding:44px 0}
.sec-h{margin:0 0 20px}.sec-h .tag{color:var(--red);font-weight:800;font-size:12.5px;letter-spacing:.14em;text-transform:uppercase}
h2{font-size:clamp(22px,3vw,30px);margin:6px 0 10px;font-weight:900}.sec-h p{color:var(--muted);margin:0}
h3{font-size:19px;margin:0 0 8px;font-weight:800}
.prose{max-width:800px}.prose h2{font-size:25px;margin:40px 0 12px;padding-top:8px;border-top:3px solid var(--amber);display:inline-block}.prose h2+p,.prose h2+ul,.prose h2+ol{margin-top:4px}.prose h3{font-size:19px;margin:26px 0 8px}
.prose p{margin:0 0 14px}.prose ul,.prose ol{padding-left:22px;margin:0 0 14px}.prose li{margin:6px 0}.prose a{color:var(--navy-2);font-weight:700;border-bottom:1px dotted var(--navy-2)}
.callout{border-radius:14px;padding:16px 20px;margin:20px 0;font-size:15.5px;border:1px solid}
.callout.warn{background:var(--red-soft);border-color:#f3c2bd;color:#6d1f17}.callout.ok{background:var(--green-soft);border-color:#bfe5d2;color:#0f4f38}.callout.info{background:var(--amber-soft);border-color:#f3dd93;color:#5b4300}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;display:flex;flex-direction:column;transition:.2s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#c9d4e4}
.card .ico{width:44px;height:44px;border-radius:11px;background:#eef2f8;color:var(--navy);display:grid;place-items:center;margin-bottom:12px}
.card .kw{font-size:12px;color:var(--red);font-weight:800;letter-spacing:.04em;margin-bottom:4px}
.card h3{font-size:17px;margin:0 0 8px}.card p{margin:0;color:var(--muted);font-size:14.5px}.card .more{margin-top:auto;padding-top:12px;color:var(--navy-2);font-weight:700;font-size:14px}
@media (max-width:900px){.cards{grid-template-columns:repeat(2,1fr)}}@media (max-width:600px){.cards{grid-template-columns:1fr}}
.tbl-wrap{overflow:auto;border-radius:14px;margin:16px 0}
.tbl{width:100%;border-collapse:separate;border-spacing:0;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;font-size:15px}
.tbl th,.tbl td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.tbl th{background:#eef2f8;color:var(--ink);font-size:13.5px}.tbl tr:last-child td{border-bottom:0}
.tbl td.y{color:var(--green);font-weight:700}.tbl td.n{color:var(--red);font-weight:700}
.gloss{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.gl{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px}.gl b{display:block;color:var(--navy);font-size:16px;margin-bottom:4px}.gl p{margin:0;font-size:14.5px;color:var(--text)}
@media (max-width:700px){.gloss{grid-template-columns:1fr}}
.faq{display:grid;gap:10px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:0 20px}
.faq summary{cursor:pointer;font-weight:700;padding:16px 0;list-style:none;display:flex;justify-content:space-between;gap:16px;align-items:center;font-size:15.5px;color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}.faq summary::after{content:"+";color:var(--red);font-size:22px;flex:none}.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--text);margin:0 0 16px;font-size:15px}
.contacts{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.contact{background:#fff;border:1px solid var(--line);border-left:4px solid var(--amber);border-radius:12px;padding:14px 16px}.contact b{display:block;color:var(--ink)}.contact span{font-size:14px;color:var(--muted)}.contact a{color:var(--navy-2);font-weight:700}
@media (max-width:640px){.contacts{grid-template-columns:1fr}}
.page-h{padding:40px 0 20px;background:linear-gradient(180deg,#eef2f8,var(--bg))}
.crumb{font-size:13px;color:var(--muted);display:flex;gap:8px;flex-wrap:wrap;margin-bottom:12px}.crumb a:hover{color:var(--navy)}
.page-h h1{font-size:clamp(24px,3.4vw,36px);margin:0 0 10px}
.meta{display:flex;gap:14px;flex-wrap:wrap;color:var(--muted);font-size:13.5px}.meta span{display:inline-flex;gap:6px;align-items:center}
.sources{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 20px;margin:28px 0}.sources b{display:block;margin-bottom:8px;color:var(--ink)}.sources ul{margin:0;padding-left:20px}.sources li{font-size:14.5px;margin:4px 0}
.cta{background:var(--navy);color:#fff;border-radius:20px;padding:36px 28px;text-align:center}.cta h2{color:#fff;margin-top:0}.cta p{color:rgba(255,255,255,.85);max-width:640px;margin:0 auto 18px}
footer{border-top:1px solid var(--line);background:#fff;padding:40px 0 28px;color:var(--muted);font-size:14px}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:24px}.fgrid h4{color:var(--ink);margin:0 0 10px;font-size:15px}.fgrid ul{list-style:none;padding:0;margin:0;display:grid;gap:6px}.fgrid a:hover{color:var(--navy)}
.fbot{border-top:1px solid var(--line);margin-top:26px;padding-top:16px;font-size:13px}
@media (max-width:800px){.fgrid{grid-template-columns:1fr}}
.totop{position:fixed;right:18px;bottom:18px;width:46px;height:46px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;opacity:0;pointer-events:none;transition:.3s;z-index:40}.totop.show{opacity:1;pointer-events:auto}

.sticky-toc{position:sticky;top:78px;max-height:calc(100vh - 100px);overflow:auto}
.layout2{display:grid;grid-template-columns:250px 1fr;gap:36px;align-items:start}
@media (max-width:960px){.layout2{grid-template-columns:1fr}.sticky-toc{position:static;max-height:none}}
.sticky-toc ol{columns:1}.sticky-toc li{font-size:14px}.sticky-toc .grp{font-size:12px;color:var(--muted);font-weight:800;letter-spacing:.08em;margin:12px 0 4px}
.part{padding:36px 0 8px;border-top:1px solid var(--line)}
.part-h{display:flex;align-items:center;gap:12px;margin-bottom:6px}
.part-h .ico{width:42px;height:42px;border-radius:11px;background:var(--navy);color:var(--amber);display:grid;place-items:center;flex:none}
.part-h h2{margin:0;border:0;padding:0;font-size:26px}
.part .kw{font-size:12.5px;color:var(--red);font-weight:800;letter-spacing:.08em}
.pintro{font-size:17.5px;color:var(--ink)}
.steps{counter-reset:s;list-style:none;padding:0;margin:0 0 14px;display:grid;gap:10px}
.steps li{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px;display:grid;grid-template-columns:44px 1fr;gap:14px;align-items:start}
.steps .n{width:40px;height:40px;border-radius:50%;background:var(--amber);color:var(--navy);font-weight:900;display:grid;place-items:center}
.steps b{display:block;color:var(--ink);margin-bottom:4px}.steps p{margin:0;font-size:15.5px}
.nav a.cta{background:var(--red)}
.tbl th:first-child{white-space:nowrap}
.contacts{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:12px;margin:14px 0}
.contacts .c{background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 16px}
.contacts .c b{display:block;color:var(--ink)}.contacts .c .num{color:var(--navy-2);font-weight:800;font-size:17px;margin:4px 0}.contacts .c p{margin:0;font-size:14px;color:var(--muted)}
.contacts .c a{color:var(--navy-2);font-weight:700;font-size:13px}
.hero .lead{max-width:860px}
.layout2>*{min-width:0;max-width:100%}.prose,.part{min-width:0}
@media (max-width:960px){.layout2{grid-template-columns:minmax(0,1fr)}}
.tbl-wrap{max-width:100%}.tbl td,.tbl th{overflow-wrap:anywhere}
.contacts .c a{overflow-wrap:anywhere}