:root {
  --bg: #f6f8fb;
  --surface: #ffffff;
  --text: #172033;
  --muted: #5c667a;
  --line: #dfe6ef;
  --primary: #1b4d89;
  --primary-strong: #103765;
  --accent: #f2a900;
  --green: #1f8a5b;
  --shadow: 0 18px 42px rgba(23, 32, 51, 0.08);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Noto Sans KR", "Segoe UI", sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
  letter-spacing: 0;
  word-break: keep-all;
  overflow-wrap: break-word;
}

a {
  color: inherit;
}

.skip {
  position: absolute;
  left: -999px;
  top: 0;
  background: #000;
  color: #fff;
  padding: 8px 12px;
  z-index: 20;
}

.skip:focus {
  left: 8px;
  top: 8px;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
}

.nav {
  max-width: 1120px;
  margin: 0 auto;
  padding: 12px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  text-decoration: none;
  font-weight: 900;
  color: var(--primary-strong);
}

.brand-mark {
  width: 30px;
  height: 30px;
  display: inline-grid;
  place-items: center;
  border-radius: 8px;
  background: var(--primary);
  color: #fff;
}

.nav nav {
  display: flex;
  align-items: center;
  gap: 6px;
  flex-wrap: wrap;
  justify-content: flex-end;
}

.nav nav a {
  padding: 8px 10px;
  border-radius: 8px;
  color: var(--muted);
  text-decoration: none;
  font-size: 14px;
  font-weight: 700;
}

.nav nav a:hover,
.nav nav a.nav-cta {
  color: var(--primary);
  background: #eaf2ff;
}

.hero {
  background:
    linear-gradient(135deg, rgba(27, 77, 137, 0.96), rgba(16, 55, 101, 0.92)),
    radial-gradient(circle at 20% 10%, rgba(242, 169, 0, 0.35), transparent 30%);
  color: #fff;
}

.hero-inner {
  max-width: 1120px;
  margin: 0 auto;
  padding: 64px 20px;
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(300px, 0.65fr);
  gap: 28px;
  align-items: center;
}

.eyebrow {
  margin: 0 0 10px;
  color: var(--accent);
  font-size: 13px;
  font-weight: 900;
}

.hero h1 {
  margin: 0;
  font-size: clamp(34px, 5vw, 58px);
  line-height: 1.12;
  letter-spacing: 0;
}

.lead {
  max-width: 720px;
  margin: 18px 0 0;
  color: rgba(255, 255, 255, 0.84);
  font-size: 18px;
}

.hero-actions {
  margin-top: 26px;
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 18px;
  border-radius: 10px;
  text-decoration: none;
  font-weight: 900;
  border: 1px solid transparent;
}

.button.primary {
  color: #13203a;
  background: var(--accent);
}

.button.secondary {
  color: #fff;
  border-color: rgba(255, 255, 255, 0.28);
  background: rgba(255, 255, 255, 0.08);
}

.button.large {
  width: 100%;
  min-height: 54px;
  font-size: 17px;
}

.trust-list {
  margin: 18px 0 0;
  padding: 0;
  list-style: none;
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.trust-list li {
  padding: 6px 10px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.11);
  color: rgba(255, 255, 255, 0.86);
  font-size: 13px;
  font-weight: 700;
}

.hero-panel,
.estimate-panel {
  background: var(--surface);
  color: var(--text);
  border-radius: 14px;
  padding: 22px;
  box-shadow: var(--shadow);
}

.hero-panel strong {
  display: block;
  margin-bottom: 14px;
  font-size: 18px;
}

.hero-panel dl {
  margin: 0;
  display: grid;
  gap: 12px;
}

.hero-panel div {
  padding-bottom: 12px;
  border-bottom: 1px solid var(--line);
}

.hero-panel div:last-child {
  border-bottom: 0;
  padding-bottom: 0;
}

.hero-panel dt {
  font-weight: 900;
}

.hero-panel dd {
  margin: 2px 0 0;
  color: var(--muted);
  font-size: 14px;
}

.notice,
.section,
.estimate {
  max-width: 1120px;
  margin: 0 auto;
  padding: 44px 20px;
}

.notice > div {
  padding: 16px 18px;
  background: #fff7df;
  border: 1px solid #f1d785;
  border-radius: 12px;
}

.notice strong {
  color: #7a5400;
}

.notice p {
  margin: 4px 0 0;
  color: #604a16;
  font-size: 14px;
}

.section.alt {
  max-width: none;
  background: #fff;
  border-block: 1px solid var(--line);
}

.section.alt > * {
  max-width: 1120px;
  margin-left: auto;
  margin-right: auto;
}

.section-head {
  margin-bottom: 20px;
}

.section-head h2,
.estimate h2 {
  margin: 0;
  font-size: clamp(25px, 3vw, 36px);
  line-height: 1.2;
}

.section-head p:not(.eyebrow),
.estimate-copy p {
  max-width: 760px;
  margin: 10px 0 0;
  color: var(--muted);
}

.table-wrap {
  overflow-x: auto;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--surface);
  box-shadow: var(--shadow);
}

table {
  width: 100%;
  min-width: 820px;
  border-collapse: collapse;
}

th,
td {
  padding: 14px 16px;
  text-align: left;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}

thead th {
  background: #edf4ff;
  color: var(--primary-strong);
}

tbody tr:last-child th,
tbody tr:last-child td {
  border-bottom: 0;
}

tbody th {
  width: 150px;
  color: var(--primary-strong);
  background: #fbfdff;
}

.ad-band {
  max-width: 980px;
  min-height: 110px;
  margin: 8px auto 34px;
  padding: 16px;
  border: 1px dashed #c5cedb;
  border-radius: 12px;
  background: #fff;
  color: #8691a3;
  text-align: center;
}

.ad-band p {
  margin: 0 0 8px;
  font-size: 12px;
}

.ad-band .ad-note {
  margin: 0;
  font-size: 14px;
  color: #647083;
}

.cards {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.card,
.decision-grid > div {
  padding: 20px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 12px;
}

.card span {
  display: inline-grid;
  place-items: center;
  width: 34px;
  height: 34px;
  border-radius: 9px;
  background: #eaf2ff;
  color: var(--primary);
  font-weight: 900;
}

.card h3,
.decision-grid h3 {
  margin: 12px 0 6px;
  font-size: 18px;
}

.card p,
.decision-grid p {
  margin: 0;
  color: var(--muted);
}

.estimate {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 360px;
  gap: 24px;
  align-items: center;
}

.estimate-panel ul {
  margin: 0 0 18px;
  padding-left: 20px;
}

.estimate-panel li {
  margin: 6px 0;
  font-weight: 700;
}

.sub {
  margin: 10px 0 0;
  color: var(--muted);
  font-size: 13px;
  text-align: center;
}

.decision-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.faq-list {
  display: grid;
  gap: 10px;
}

details {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 0 18px;
}

summary {
  cursor: pointer;
  padding: 16px 0;
  font-weight: 900;
}

details p {
  margin: 0;
  padding: 0 0 16px;
  color: var(--muted);
}

.site-footer {
  border-top: 1px solid var(--line);
  background: #101827;
  color: #d7deea;
}

.footer-inner {
  max-width: 1120px;
  margin: 0 auto;
  padding: 30px 20px;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 24px;
}

.footer-inner p {
  max-width: 720px;
  margin: 8px 0 0;
  color: #aeb8c8;
  font-size: 14px;
}

.footer-inner nav {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  align-content: start;
}

.footer-inner a {
  color: #d7deea;
  text-decoration: none;
  font-size: 14px;
}

.copy {
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 20px 26px;
  color: #8d99ab;
  font-size: 13px;
}

@media (max-width: 860px) {
  .hero-inner,
  .estimate,
  .footer-inner {
    grid-template-columns: 1fr;
  }

  .cards,
  .decision-grid {
    grid-template-columns: 1fr;
  }

  .nav {
    align-items: flex-start;
    flex-direction: column;
  }

  .nav nav {
    justify-content: flex-start;
  }
}