:root{--ink:#172033;--muted:#5c677a;--line:#e4e0d6;--paper:#f6f4ef;--card:#fff;--teal:#0e1c36;--teal-dark:#0e1c36;--amber:#c6a15a;--focus:#8d6b2f}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Pretendard,system-ui,sans-serif;color:var(--ink);background:var(--paper);line-height:1.7;font-size:1.0625rem}
img{max-width:100%;height:auto}
a{color:var(--teal-dark)}
a:focus-visible,button:focus-visible{outline:3px solid var(--focus);outline-offset:3px}
.skip{position:absolute;left:.75rem;top:-4rem;background:#fff;padding:.5rem 1rem;z-index:40}
.skip:focus{top:.75rem}
.wrap{width:min(1080px,calc(100% - 1.5rem));margin-inline:auto}
.top{background:#fff;border-bottom:4px solid var(--teal);position:sticky;top:0;z-index:20}
.bar{display:flex;align-items:center;justify-content:space-between;min-height:4.25rem;gap:.75rem}
.logo{display:flex;align-items:center;color:var(--ink);text-decoration:none}
.logo img{height:2.75rem;width:auto;display:block}
.nav-toggle{background:var(--ink);color:#fff;border:0;border-radius:.7rem;min-width:2.75rem;min-height:2.75rem;font-size:1.15rem}
.nav{display:none;padding:0 0 .8rem}
.nav.is-open{display:grid}
.nav a{display:flex;align-items:center;text-decoration:none;padding:.75rem 0;border-top:1px solid var(--line);min-height:2.75rem;color:var(--ink)}
.nav a[aria-current="page"]{color:var(--teal-dark);font-weight:750}
.hero{padding:1.4rem 0 1rem}
.hero-grid{display:grid;gap:1rem}
.panel{background:var(--ink);color:#fff;border-radius:1.2rem;padding:1.3rem 1.15rem}
.kicker{display:inline-block;background:var(--amber);color:var(--ink);border-radius:999px;padding:.15rem .7rem;font-weight:750;font-size:.92rem}
h1{font-size:clamp(1.7rem,5.5vw,2.6rem);line-height:1.28;margin:.7rem 0;letter-spacing:-.03em}
h2{font-size:1.35rem;margin:0 0 .7rem}
.lead{margin:0 0 1rem}
.stats{display:grid;grid-template-columns:1fr 1fr;gap:.55rem;margin:0;padding:0;list-style:none}
.stats li{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:.8rem;padding:.7rem .75rem}
.actions{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:1rem}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:2.75rem;padding:.45rem .9rem;border-radius:.8rem;text-decoration:none;font-weight:700}
.btn-main{background:var(--amber);color:var(--ink)}
.btn-ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.4)}
.hero-photo{border-radius:1.2rem;overflow:hidden;background:#d9d3c7;min-height:16rem}
.hero-photo img{width:100%;height:100%;object-fit:cover;min-height:16rem}
.side{background:#fff;border:1px solid var(--line);border-radius:1.2rem;padding:1rem}
.side ol{margin:.2rem 0 0;padding-left:1.2rem}
section{padding:.3rem 0 1.1rem}
.cards{display:grid;gap:.7rem}
.card{background:#fff;border:1px solid var(--line);border-radius:1rem;padding:1rem}
.card h3{margin:.1rem 0 .35rem;font-size:1.08rem}
table{width:100%;border-collapse:collapse;background:#fff;border-radius:1rem;overflow:hidden}
th,td{border-bottom:1px solid var(--line);padding:.75rem .7rem;text-align:left}
th{background:var(--teal);color:#fff}
.note{color:var(--muted)}
.steps{display:grid;gap:.6rem}
.step{display:grid;grid-template-columns:2.4rem 1fr;gap:.65rem;background:#fff;border:1px solid var(--line);border-radius:1rem;padding:.85rem}
.num{width:2.4rem;height:2.4rem;border-radius:50%;background:var(--teal);color:#fff;display:grid;place-items:center;font-weight:800}
details{background:#fff;border:1px solid var(--line);border-radius:.9rem;padding:.8rem .9rem}
summary{cursor:pointer;font-weight:700;min-height:2.4rem}
details p{margin:.5rem 0 0}
.links{display:grid;gap:.45rem}
.links a{display:block;background:#fff;border:1px solid var(--line);border-radius:.8rem;padding:.75rem .85rem;text-decoration:none;min-height:2.75rem}
footer{padding:1rem 0 2rem;color:var(--muted);font-size:.95rem}
footer a{margin-right:.8rem}
.split{display:grid;gap:1rem;align-items:center}
.split img{width:100%;border-radius:1rem}
@media (min-width:860px){
  .split{grid-template-columns:.85fr 1.15fr}
  .nav-toggle{display:none}
  .nav{display:flex;flex-wrap:wrap;gap:.15rem 1rem;padding:0}
  .nav a{border:0;padding:.3rem 0;min-height:0}
  .hero-grid{grid-template-columns:1.05fr .95fr;align-items:stretch}
  .cards,.steps{grid-template-columns:1fr 1fr}
  .faq{display:grid;grid-template-columns:1fr 1fr;gap:.7rem}
}
@media (max-width:359px){
  .stats{grid-template-columns:1fr}
  .wrap{width:calc(100% - 1rem)}
}
.nav a i,footer a i{margin-right:.3rem;color:#b8893d}
h1 i,h2 i,h3 i{margin-right:.4rem;color:#b8893d}
.banner{position:relative;min-height:34rem;display:flex;align-items:flex-end;color:#fff;overflow:hidden;margin-bottom:1.2rem}
.banner>img{position:absolute;inset:0;width:100%;height:100%;max-width:none;object-fit:cover;object-position:32% center}
.banner-shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(14,28,54,.88) 0%,rgba(14,28,54,.55) 48%,rgba(14,28,54,.12) 100%)}
.banner-copy{position:relative;z-index:1;width:min(1080px,calc(100% - 1.5rem));margin:0 auto 1.7rem}
.banner h1,.banner .lead{color:#fff;word-break:keep-all}
.banner h1{max-width:none}
.banner .lead{max-width:34rem}
.banner .kicker i{margin-right:.25rem}
@media (max-width:800px){
  .banner{min-height:32rem}
  .banner-shade{background:linear-gradient(180deg,rgba(14,28,54,.2) 10%,rgba(14,28,54,.88) 72%)}
  .banner>img{object-position:28% center}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}