:root{--ink:#1E2433;--ind:#3D4C7A;--ind-d:#2A3558;--ind-l:#E9ECF4;--clay:#B9785A;--clay-l:#F4E8E1;--sand:#F6F4EF;--line:#E2DFD7;--mut:#596073;--w:#fff;--r:14px;--sh:0 8px 28px -14px rgba(42,53,88,.28)}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:"Pretendard Variable",Pretendard,-apple-system,"Apple SD Gothic Neo","Noto Sans KR","Malgun Gothic",sans-serif;color:var(--ink);background:var(--w);line-height:1.65;font-size:16px;word-break:keep-all;overflow-wrap:break-word;overflow-x:hidden}
img,svg{max-width:100%;display:block}img{height:auto}
a{color:inherit;text-decoration:none}
ul,ol{list-style:none}
h1,h2,h3{line-height:1.3;letter-spacing:-.02em;text-wrap:balance}
.wrap{width:100%;max-width:1120px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:10px 14px;z-index:99}.skip:focus{left:8px;top:8px}
.ic{width:20px;height:20px;flex:none}.ic.sm{width:16px;height:16px}
/* header */
.site-head{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.head-in{display:flex;align-items:center;justify-content:space-between;height:64px;gap:16px}
.brand{display:flex;align-items:center;gap:10px}.logo-mark{width:34px;height:34px}
.brand-t{display:flex;flex-direction:column;line-height:1.15}.brand-t b{font-size:16px;font-weight:800;color:var(--ind-d)}.brand-t small{font-size:12px;color:var(--clay);font-weight:700;letter-spacing:.02em}
.gnav{display:flex;align-items:center;gap:18px}.gnav ul{display:flex;gap:4px}
.gnav a:not(.btn){display:block;padding:8px 11px;border-radius:8px;font-size:15px;font-weight:600;color:#3a4256}
.gnav a:not(.btn):hover,.gnav a[aria-current]{background:var(--ind-l);color:var(--ind-d)}
.nav-btn{display:none;width:42px;height:42px;border:1px solid var(--line);border-radius:10px;background:#fff;cursor:pointer;flex-direction:column;justify-content:center;align-items:center;gap:4px}
.nav-btn span{width:18px;height:2px;background:var(--ink);border-radius:2px;transition:.2s}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:11px 18px;border-radius:10px;font-weight:700;font-size:15px;border:1.5px solid transparent;cursor:pointer;font-family:inherit;line-height:1.2;transition:.15s}
.btn.sm{padding:9px 14px;font-size:14px}.btn.lg{padding:15px 24px;font-size:17px}
.btn.primary{background:var(--ind);color:#fff}.btn.primary:hover{background:var(--ind-d)}
.btn.clay{background:var(--clay);color:#fff}.btn.clay:hover{background:#9d6149}
.btn.ghost{background:#fff;border-color:var(--ind);color:var(--ind-d)}.btn.ghost:hover{background:var(--ind-l)}
.btn.light{background:#fff;color:var(--ind-d)}.btn.light:hover{background:var(--clay-l)}
.btn:focus-visible,a:focus-visible,summary:focus-visible,button:focus-visible{outline:3px solid var(--clay);outline-offset:2px}
/* crumbs */
.crumbs{background:var(--sand);border-bottom:1px solid var(--line)}.crumbs ol{display:flex;flex-wrap:wrap;gap:4px 8px;padding:10px 0;font-size:13.5px;color:var(--mut)}
.crumbs li+li::before{content:"›";margin-right:8px;color:#a5a9b5}.crumbs a:hover{color:var(--ind);text-decoration:underline}.crumbs [aria-current]{color:var(--ink);font-weight:600}
/* hero */
.hero{background:linear-gradient(180deg,var(--sand) 0%,#fff 100%);padding:56px 0 48px;overflow:hidden}
.hero-in{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:13.5px;font-weight:700;color:var(--clay);background:var(--clay-l);padding:6px 12px;border-radius:99px;margin-bottom:18px}
.hero h1{font-size:clamp(2.3rem,5.2vw,3.7rem);font-weight:800;color:var(--ind-d);letter-spacing:-.035em;line-height:1.12}
.hero .lead{margin-top:18px;font-size:clamp(1rem,1.6vw,1.15rem);color:#39415a;max-width:34em}
.hero .lead b{color:var(--ind-d)}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:20px}.chips li{font-size:14px;font-weight:600;padding:7px 13px;border-radius:99px;background:#fff;border:1px solid var(--line);color:var(--ind-d)}
.chips li.hot{background:var(--ind);color:#fff;border-color:var(--ind)}
.hero-cta{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}
.hero-fig{position:relative;max-width:420px;margin-left:auto;width:100%}
.hero-fig::before{content:"";position:absolute;inset:18px -16px -16px 18px;border-radius:22px;background:var(--ind-l);z-index:0}
.hero-fig picture,.hero-fig>img{position:relative;z-index:1;display:block;border-radius:20px;overflow:hidden;aspect-ratio:4/5;box-shadow:var(--sh)}
.hero-fig img{width:100%;height:100%;object-fit:cover;object-position:50% 12%}
.hero-tag{position:absolute;z-index:2;left:-14px;bottom:26px;background:#fff;border-radius:12px;padding:10px 14px;box-shadow:var(--sh);font-size:13.5px;line-height:1.4;border-left:4px solid var(--clay)}
.hero-tag b{display:block;color:var(--ind-d);font-size:15px}
.hero.sub{padding:40px 0 34px}.hero.sub .hero-in{grid-template-columns:1.3fr .7fr;gap:36px}.hero.sub h1{font-size:clamp(2rem,4.4vw,3rem)}
.hero.sub .hero-fig{max-width:300px}
.hero.plain .hero-in{grid-template-columns:1fr}
/* facts strip */
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid var(--line);border-radius:var(--r);background:#fff;margin-top:34px;box-shadow:var(--sh)}
.facts li{padding:16px 18px;border-left:1px solid var(--line)}.facts li:first-child{border-left:0}
.facts b{display:block;font-size:1.4rem;color:var(--ind-d);font-weight:800;line-height:1.2}.facts span{font-size:13.5px;color:var(--mut)}
/* sections */
.sec{padding:60px 0}.sec.alt{background:var(--sand)}.sec.tint{background:var(--ind-l)}
.sec h2{font-size:clamp(1.5rem,3vw,2rem);font-weight:800;color:var(--ind-d);margin-bottom:10px;position:relative;padding-left:16px}
.sec h2::before{content:"";position:absolute;left:0;top:.2em;bottom:.2em;width:5px;border-radius:3px;background:var(--clay)}
.sec-intro{color:var(--mut);max-width:44em;margin:0 0 26px 16px}
.sec h2+.grid,.sec h2+.tbl,.sec h2+.steps,.sec h2+.split{margin-top:24px}
.sec h3{font-size:1.06rem;font-weight:700}
.grid{display:grid;gap:16px}.c2{grid-template-columns:repeat(2,1fr)}.c3{grid-template-columns:repeat(3,1fr)}.c4{grid-template-columns:repeat(4,1fr)}.c5{grid-template-columns:repeat(5,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px 20px;display:flex;flex-direction:column;gap:8px;transition:.18s}
.card p{font-size:15px;color:var(--mut)}
.card-ic{width:44px;height:44px;border-radius:12px;background:var(--ind-l);color:var(--ind);display:grid;place-items:center;margin-bottom:4px}
.card-ic .ic{width:22px;height:22px}
a.card:hover{border-color:var(--ind);box-shadow:var(--sh);transform:translateY(-2px)}
.more{margin-top:auto;padding-top:8px;display:inline-flex;align-items:center;gap:6px;font-size:14px;font-weight:700;color:var(--clay)}
.sec.alt .card{background:#fff}
/* steps */
.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;counter-reset:s}
.steps.s4{grid-template-columns:repeat(4,1fr)}.steps.s3{grid-template-columns:repeat(3,1fr)}
.steps li{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:44px 16px 18px}
.steps .n{position:absolute;top:-1px;left:-1px;width:36px;height:36px;border-radius:var(--r) 0 var(--r) 0;background:var(--ind);color:#fff;display:grid;place-items:center;font-weight:800}
.steps li:not(:last-child)::after{content:"";position:absolute;top:50%;right:-15px;width:16px;height:2px;background:var(--clay)}
.steps p{font-size:14.5px;color:var(--mut);margin-top:6px}.steps em{display:inline-block;margin-top:10px;font-style:normal;font-size:12.5px;font-weight:700;color:var(--clay);background:var(--clay-l);padding:3px 9px;border-radius:99px}
/* tables */
.tbl{border:1px solid var(--line);border-radius:var(--r);overflow:hidden;background:#fff}
.tbl table{width:100%;border-collapse:collapse;font-size:15px}
.tbl caption{text-align:left;padding:12px 16px;font-weight:700;color:var(--ind-d);background:var(--sand);border-bottom:1px solid var(--line)}
.tbl th,.tbl td{padding:13px 16px;text-align:left;vertical-align:top;border-top:1px solid var(--line)}
.tbl thead th{background:var(--ind);color:#fff;font-weight:700;border-top:0;font-size:14.5px}
.tbl tbody th{color:var(--ind-d);font-weight:700;background:#FBFAF7;width:22%}
.tbl tbody tr:nth-child(even) td{background:#FDFCFA}
/* split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:center}
.split.top{align-items:start}
.fig{border-radius:var(--r);overflow:hidden;border:1px solid var(--line);background:#fff}
.fig img{width:100%;aspect-ratio:4/3;object-fit:cover}
.fig.tall img{aspect-ratio:4/5;object-position:50% 14%}
.fig figcaption{padding:10px 14px;font-size:13.5px;color:var(--mut);border-top:1px solid var(--line)}
/* flow diagram */
.flow{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;align-items:stretch}
.flow li{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px 14px;text-align:center;position:relative}
.flow li b{display:block;color:var(--ind-d);margin-bottom:4px}.flow li span{font-size:14px;color:var(--mut)}
.flow li:not(:last-child)::after{content:"▶";position:absolute;right:-12px;top:50%;transform:translateY(-50%);font-size:12px;color:var(--clay);z-index:2;background:var(--sand);padding:2px 0}
.sec:not(.alt) .flow li:not(:last-child)::after{background:#fff}
/* checks */
.checks{display:grid;gap:10px}.checks li{display:flex;gap:10px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 14px;font-size:15px}
.checks .ic{color:var(--clay);margin-top:3px}
.checks.two{grid-template-columns:1fr 1fr}
/* people */
.people .card{padding:0;overflow:hidden;gap:0}.people img{width:100%;aspect-ratio:3/4;object-fit:cover;object-position:50% 15%}
.people .p-t{padding:14px 16px}.people .p-t b{display:block;color:var(--ind-d)}.people .p-t span{font-size:13.5px;color:var(--mut)}
.books{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.book{display:flex;gap:14px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:14px}
.book img{width:92px;aspect-ratio:300/437;object-fit:cover;border-radius:6px;box-shadow:0 6px 14px -8px rgba(0,0,0,.5);flex:none}
.book b{display:block;color:var(--ind-d);font-size:15px;line-height:1.35}.book span{font-size:13.5px;color:var(--mut)}
/* link boxes */
.linkbox{display:flex;align-items:center;gap:18px;justify-content:space-between;background:var(--ind-d);color:#fff;border-radius:18px;padding:26px 28px}
.linkbox h3{font-size:1.25rem;color:#fff}.linkbox p{color:#cfd5ea;font-size:15px;margin-top:4px}
.linkbox.yt{background:#fff;color:var(--ink);border:1px solid var(--line)}.linkbox.yt h3{color:var(--ind-d)}.linkbox.yt p{color:var(--mut)}
.lb-ic{width:52px;height:52px;border-radius:14px;background:rgba(255,255,255,.12);display:grid;place-items:center;flex:none}.yt .lb-ic{background:var(--clay-l);color:var(--clay)}.lb-ic .ic{width:26px;height:26px}
.lb-l{display:flex;gap:16px;align-items:center}
/* faq */
.faq{display:grid;gap:10px}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.faq-item summary{list-style:none;cursor:pointer;padding:16px 50px 16px 18px;position:relative}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary h3{font-size:1.02rem;font-weight:700;color:var(--ink)}
.faq-item summary::after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);font-size:22px;color:var(--clay);font-weight:500;transition:.2s}
.faq-item[open] summary::after{content:"–"}.faq-item[open]{border-color:var(--ind)}
.faq-a{padding:0 18px 18px;color:#3d4458;font-size:15.5px}.faq-a p{border-top:1px dashed var(--line);padding-top:12px}
.js .faq-more{display:none}.js .faq.all .faq-more{display:block}
.faq-toggle{margin-top:14px}
/* cta */
.cta-band{background:linear-gradient(120deg,var(--ind-d),var(--ind));color:#fff;padding:44px 0}
.cta-in{display:flex;align-items:center;justify-content:space-between;gap:24px}
.cta-band h2{font-size:clamp(1.4rem,2.6vw,1.8rem);color:#fff;margin-bottom:6px}.cta-band p{color:#d7dcee}
.cta-btns{display:flex;gap:10px;flex-wrap:wrap}
/* branch cards */
.branch{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column}
.branch img{width:100%;aspect-ratio:16/10;object-fit:cover;object-position:50% 18%}
.branch .b-b{padding:16px 18px 18px;display:flex;flex-direction:column;gap:6px;flex:1}
.branch h3{font-size:1.15rem;color:var(--ind-d)}.branch .num{font-size:1.5rem;font-weight:800;letter-spacing:-.02em;color:var(--ink)}
.branch small{color:var(--mut);font-size:13.5px}
.b-btns{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:auto;padding-top:10px}
.note{background:var(--clay-l);border-left:4px solid var(--clay);border-radius:8px;padding:14px 16px;font-size:15px;color:#4a3a31}
.sms-box{background:#fff;border:1px dashed var(--ind);border-radius:var(--r);padding:18px 20px;font-size:15px;color:#2f3750}
/* footer */
.site-foot{background:#1B2238;color:#c5cadb;padding:44px 0 0;margin-top:0}
.foot-in{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:28px 32px}
.foot-brand{display:flex;gap:12px;align-items:center;grid-column:1/-1}.foot-brand .logo-mark{width:40px;height:40px}.foot-brand b{color:#fff;font-size:1.1rem}.foot-brand p{font-size:14px}
.foot-nav,.foot-ext{display:grid;gap:8px;font-size:14.5px;align-content:start}.foot-nav a:hover,.foot-ext a:hover{color:#fff;text-decoration:underline}
.foot-ext a{display:inline-flex;gap:8px;align-items:center}
.foot-info{font-style:normal;font-size:14px;line-height:1.8;color:#aeb5cb}.foot-info strong{color:#fff}
.foot-copy{border-top:1px solid #2c3552;margin-top:28px;padding-top:16px;padding-bottom:20px;color:#8e96b0}.foot-copy small{font-size:13px}
.m-bar{display:none}
/* article text */
.lede{font-size:1.08rem;color:#39415a;max-width:44em}
.meta-line{font-size:13.5px;color:var(--mut);margin-top:14px}
.dot-list{display:grid;gap:8px;font-size:15.5px}.dot-list li{padding-left:16px;position:relative}.dot-list li::before{content:"";position:absolute;left:0;top:.7em;width:6px;height:6px;border-radius:50%;background:var(--clay)}
.rel{display:flex;flex-wrap:wrap;gap:8px}.rel a{padding:8px 14px;border:1px solid var(--line);border-radius:99px;font-size:14.5px;font-weight:600;color:var(--ind-d);background:#fff}.rel a:hover{border-color:var(--ind);background:var(--ind-l)}
@media (max-width:1000px){
 .c4,.c5{grid-template-columns:repeat(2,1fr)}.c3{grid-template-columns:repeat(2,1fr)}
 .steps,.steps.s4{grid-template-columns:repeat(2,1fr)}.steps li:not(:last-child)::after{display:none}
 .gnav ul{gap:0}.gnav a:not(.btn){padding:8px 8px;font-size:14.5px}
}
@media (max-width:860px){
 .nav-btn{display:flex}
 .js .gnav{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:12px 20px 20px;flex-direction:column;align-items:stretch;gap:12px;box-shadow:var(--sh)}
 .js .gnav.open{display:flex}.gnav ul{flex-direction:column}.gnav a:not(.btn){padding:12px 10px;font-size:16px}
 .no-js-fix{display:block}
 .hero-in,.hero.sub .hero-in,.split,.foot-in{grid-template-columns:1fr}
 .hero{padding:36px 0 36px}.hero-fig{margin:10px auto 0;max-width:340px}.hero.sub .hero-fig{display:none}
 .hero-tag{left:8px}
 .facts{grid-template-columns:repeat(2,1fr)}.facts li:nth-child(3){border-left:0}.facts li:nth-child(n+3){border-top:1px solid var(--line)}
 .flow{grid-template-columns:repeat(2,1fr)}.flow li:not(:last-child)::after{display:none}
 .cta-in,.linkbox{flex-direction:column;align-items:flex-start}
 .books{grid-template-columns:1fr}.checks.two{grid-template-columns:1fr}
 .sec{padding:44px 0}
}
@media (max-width:640px){
 body{padding-bottom:58px}
 .c2,.c3,.c4,.c5,.steps,.steps.s4,.steps.s3{grid-template-columns:1fr}
 .people.c5,.people.c4{grid-template-columns:repeat(2,1fr)}
 .tbl thead{position:absolute;left:-9999px}
 .tbl table,.tbl tbody,.tbl tr,.tbl th,.tbl td{display:block;width:100%}
 .tbl tr{border-top:1px solid var(--line);padding:6px 0}.tbl tr:first-child{border-top:0}
 .tbl th,.tbl td{border:0;padding:6px 16px}.tbl tbody th{background:transparent;width:100%;font-size:16px;padding-top:12px}
 .tbl tbody tr:nth-child(even) td{background:transparent}
 .tbl td[data-label]::before{content:attr(data-label);display:block;font-size:12.5px;font-weight:700;color:var(--clay);margin-bottom:1px}
 .tbl tbody th::before{display:none}
 .m-bar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--clay);color:#fff;align-items:center;justify-content:center;gap:8px;height:54px;font-weight:800;font-size:16px}
 .facts b{font-size:1.2rem}.hero-cta .btn{flex:1 1 100%}.cta-btns{width:100%}.cta-btns .btn{flex:1 1 100%}
 .linkbox{padding:20px}.lb-l{align-items:flex-start}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}