:root {
  color-scheme: light;
  --ink: #171a1f;
  --muted: #626b76;
  --line: #dfe5eb;
  --soft: #f5f7fa;
  --panel: #ffffff;
  --teal: #0f766e;
  --teal-dark: #0b5953;
  --blue: #2459d6;
  --yellow: #f5c84b;
  --red: #c2413d;
  --shadow: 0 18px 46px rgba(18, 31, 46, 0.1);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: Inter, Pretendard, "Noto Sans KR", "Apple SD Gothic Neo", system-ui, sans-serif; color: var(--ink); background: #fbfcfd; line-height: 1.68; }
a { color: inherit; text-decoration: none; }
.skip-link { position: absolute; top: -48px; left: 16px; z-index: 20; padding: 10px 14px; border-radius: 6px; background: var(--ink); color: #fff; }
.skip-link:focus { top: 16px; }
.site-header { position: sticky; top: 0; z-index: 10; border-bottom: 1px solid rgba(223, 229, 235, 0.96); background: rgba(255,255,255,0.95); backdrop-filter: blur(12px); }
.nav { display: flex; align-items: center; justify-content: space-between; max-width: 1180px; margin: 0 auto; padding: 14px 20px; gap: 22px; }
.brand { display: inline-flex; align-items: center; gap: 10px; font-weight: 900; white-space: nowrap; }
.brand-mark { display: grid; place-items: center; width: 36px; height: 36px; border-radius: 8px; background: var(--teal); color: #fff; font-size: .86rem; font-weight: 900; }
.nav-links { display: flex; align-items: center; flex-wrap: wrap; justify-content: flex-end; gap: 8px; }
.nav-links a { min-height: 38px; padding: 8px 11px; border-radius: 6px; color: #3d4752; font-size: .94rem; font-weight: 800; }
.nav-links a:hover { background: var(--soft); color: var(--teal-dark); }
.nav-cta { background: #111827 !important; color: #fff !important; }
.service-hero { border-bottom: 1px solid var(--line); background: linear-gradient(120deg, #f7faf9 0%, #edf5f4 45%, #f7f2df 100%); }
.hero-inner { display: grid; grid-template-columns: minmax(0, 1.04fr) minmax(300px, .64fr); align-items: center; gap: 34px; max-width: 1180px; min-height: 590px; margin: 0 auto; padding: 58px 20px 52px; }
.eyebrow { margin: 0 0 10px; color: var(--teal-dark); font-size: .9rem; font-weight: 900; }
h1, h2, h3 { margin: 0; line-height: 1.24; letter-spacing: 0; }
h1 { max-width: 780px; font-size: clamp(2.25rem, 5vw, 4.35rem); }
h2 { font-size: clamp(1.52rem, 3vw, 2.25rem); }
h3 { font-size: 1.12rem; }
.lead { max-width: 720px; margin: 18px 0 0; color: #3f4a55; font-size: 1.08rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 24px; }
.button { display: inline-flex; align-items: center; justify-content: center; min-height: 46px; border: 0; border-radius: 6px; padding: 0 18px; background: var(--teal); color: #fff; font: inherit; font-weight: 900; cursor: pointer; }
.button.secondary { border: 1px solid #cfd7df; background: #fff; color: var(--ink); }
.trust-row { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 22px; }
.trust-row span { border: 1px solid rgba(15,118,110,.22); border-radius: 999px; padding: 7px 10px; background: rgba(255,255,255,.72); color: var(--teal-dark); font-size: .88rem; font-weight: 900; }
.hero-panel, .info-panel, .article-card, .category-card { border: 1px solid var(--line); border-radius: 8px; background: rgba(255,255,255,.97); box-shadow: var(--shadow); }
.hero-panel { padding: 20px; }
.hero-visual { display: block; width: 100%; border: 1px solid var(--line); border-radius: 8px; margin-bottom: 18px; background: #fff; }
.hero-panel ul, .check-list { margin: 14px 0 0; padding: 0; list-style: none; }
.hero-panel li, .check-list li { position: relative; padding-left: 24px; margin: 9px 0; }
.hero-panel li::before, .check-list li::before { content: ""; position: absolute; left: 0; top: .63em; width: 9px; height: 9px; border-radius: 50%; background: var(--yellow); box-shadow: 0 0 0 3px rgba(245,200,75,.24); }
.section { max-width: 1180px; margin: 0 auto; padding: 56px 20px; }
.section-head { display: flex; justify-content: space-between; gap: 24px; margin-bottom: 22px; }
.section-head p { max-width: 760px; margin: 10px 0 0; color: var(--muted); }
.category-grid, .article-grid, .practical-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.category-card, .article-card { display: block; padding: 20px; box-shadow: none; transition: transform .16s ease, box-shadow .16s ease; }
.practical-card { display: grid; gap: 16px; padding: 20px; border: 1px solid var(--line); border-radius: 8px; background: #fff; }
.category-card:hover, .article-card:hover { transform: translateY(-2px); box-shadow: 0 14px 32px rgba(18,31,46,.09); }
.category-card span, .tag { display: inline-flex; width: fit-content; border-radius: 999px; padding: 4px 9px; background: #e7f4f2; color: var(--teal-dark); font-size: .78rem; font-weight: 900; }
.category-card h3, .article-card h3 { margin-top: 12px; }
.category-card p, .article-card p { margin: 9px 0 0; color: var(--muted); font-size: .94rem; }
.practical-head p { margin: 10px 0 0; color: var(--muted); font-size: .94rem; }
.metric-row { display: flex; flex-wrap: wrap; gap: 8px; }
.metric-row span { display: inline-flex; border-radius: 999px; padding: 7px 10px; background: #f3f7fb; color: #294257; font-size: .83rem; font-weight: 900; }
.practical-table table { min-width: 640px; }
.hub-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.hub-card { display: grid; gap: 14px; align-content: start; min-height: 100%; padding: 20px; border: 1px solid var(--line); border-radius: 8px; background: #fff; }
.hub-card-accent { background: linear-gradient(180deg, #f7fbfa, #eef6fb); }
.compact-list { margin-top: 0; }
.compact-list li { margin: 7px 0; }
.disclosure-note { margin: 0; color: var(--muted); font-size: .88rem; }
.read-more { display: inline-flex; margin-top: 14px; color: var(--blue); font-weight: 900; }
.split-section { display: grid; grid-template-columns: minmax(0, 1fr) 360px; gap: 18px; align-items: start; }
.article, .content { border: 1px solid var(--line); border-radius: 8px; background: #fff; padding: 24px; }
.article p, .content p { color: #3f4a55; }
.info-panel { padding: 22px; box-shadow: none; }
.quote { border-left: 4px solid var(--yellow); padding-left: 12px; color: #3f4a55; font-weight: 900; }
.mini-form { display: grid; gap: 12px; margin-top: 18px; }
label { display: grid; gap: 6px; color: #43505c; font-size: .9rem; font-weight: 900; }
select { width: 100%; min-height: 46px; border: 1px solid #cfd7df; border-radius: 6px; padding: 0 12px; background: #fff; color: var(--ink); font: inherit; }
.guide-result { border: 1px solid #d8e8e5; border-radius: 8px; padding: 12px; background: #f2faf8; }
.faq-list { display: grid; gap: 10px; }
details { border: 1px solid var(--line); border-radius: 8px; background: #fff; padding: 0 16px; }
summary { cursor: pointer; padding: 16px 0; font-weight: 900; }
details p { margin: 0 0 16px; color: var(--muted); }
.page-hero { border-bottom: 1px solid var(--line); background: linear-gradient(120deg, #f7faf9, #f4f7fb); }
.page-inner { max-width: 980px; margin: 0 auto; padding: 48px 20px; }
.breadcrumb { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 18px; color: var(--muted); font-size: .9rem; }
.breadcrumb a { color: var(--blue); font-weight: 800; }
.updated { margin-top: 14px; color: var(--muted); font-size: .92rem; }
.content { max-width: 900px; margin: 34px auto 56px; }
.content section + section { margin-top: 34px; }
.article-summary { background: var(--soft); border-radius: 8px; padding: 20px; }
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: 8px; }
table { width: 100%; border-collapse: collapse; background: #fff; }
th, td { padding: 13px 14px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
th { background: #f6f8fb; font-weight: 900; }
.affiliate-box { border: 1px solid #f0d3d1; border-radius: 8px; padding: 20px; background: #fff8f7; }
.editor-note { border: 1px solid #d8e8e5; border-radius: 8px; padding: 20px; background: #f2faf8; }
.partner-cta { border: 1px solid #cfe3df; border-radius: 8px; padding: 22px; background: linear-gradient(180deg, #f7fbfa, #eef8f6); }
.cta-row { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 16px; }
.partner-button { background: #111827; }
.partner-cta .disclosure-note { margin-top: 12px; }
.inline-link { color: var(--blue); font-weight: 900; }
.related { margin-top: 34px; }
.site-footer { border-top: 1px solid var(--line); background: #111827; color: #fff; }
.footer-inner { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 24px; max-width: 1180px; margin: 0 auto; padding: 30px 20px; }
.footer-inner p { max-width: 760px; color: #cbd5e1; }
.footer-links { display: flex; flex-wrap: wrap; gap: 10px; align-content: start; justify-content: flex-end; }
.footer-links a { color: #e5e7eb; font-weight: 800; }
@media (max-width: 860px) {
  .nav { align-items: flex-start; flex-direction: column; }
  .nav-links { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); width: 100%; justify-content: stretch; }
  .nav-links a { justify-content: center; text-align: center; }
  .nav-cta { grid-column: span 3; }
  .hero-actions .button, .cta-row .button, .cta-row .partner-button { width: 100%; }
  .hero-inner, .split-section, .footer-inner { grid-template-columns: 1fr; }
  .hero-inner { min-height: auto; }
  .category-grid, .article-grid, .practical-grid, .hub-grid { grid-template-columns: 1fr; }
  .section { padding: 40px 16px; }
  .page-inner { padding: 38px 16px; }
  .content { margin: 22px 16px 42px; padding: 20px; }
}