@import url('https://fonts.googleapis.com/css2?family=Noto+Sans+KR:wght@300;400;500;700;900&family=Noto+Serif+KR:wght@400;600;700&display=swap');
:root{
  --navy:#0b2a5b; --blue:#1d4ed8; --blue2:#3b82f6; --sky:#e8f0fe; --sky2:#f4f8ff;
  --line:#d6e2f5; --text:#14213d; --muted:#5b6b88; --white:#fff;
  --radius:16px; --shadow:0 8px 30px rgba(11,42,91,.08);
}
*{box-sizing:border-box;margin:0;padding:0}
html{-webkit-text-size-adjust:100%}
body{font-family:'Noto Sans KR',sans-serif;color:var(--text);background:#fff;line-height:1.6;word-break:keep-all}
a{color:inherit;text-decoration:none}
button,input,select,textarea{font-family:inherit;font-size:16px}
img{max-width:100%}
.wrap{max-width:1080px;margin:0 auto;padding:0 16px}

/* header */
.hd{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.95);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.hd .wrap{display:flex;align-items:center;justify-content:space-between;height:60px}
.logo{display:flex;align-items:center;gap:8px;font-weight:900;font-size:20px;color:var(--navy);letter-spacing:-.5px}
.logo-mark{width:30px;height:30px;border-radius:8px;background:var(--navy);display:grid;place-items:center}
.nav{display:flex;gap:22px;font-size:15px;color:var(--muted);font-weight:500}
.nav a:hover{color:var(--blue)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:6px;border:0;cursor:pointer;border-radius:12px;font-weight:700;padding:14px 22px;font-size:16px;transition:.15s}
.btn-p{background:var(--blue);color:#fff}.btn-p:hover{background:var(--navy)}
.btn-o{background:#fff;color:var(--blue);border:1.5px solid var(--blue)}
.btn-s{padding:9px 14px;font-size:14px;border-radius:10px}
.btn-g{background:var(--sky);color:var(--navy)}
.hd .btn{padding:9px 16px;font-size:14px}
@media(max-width:760px){.nav{display:none}}

/* hero */
.hero{background:linear-gradient(180deg,var(--sky2),#fff);padding:64px 0 48px}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.badge{display:inline-block;background:var(--sky);color:var(--blue);font-weight:700;font-size:13px;padding:6px 12px;border-radius:99px;margin-bottom:16px}
.hero h1{font-size:44px;line-height:1.25;font-weight:900;color:var(--navy);letter-spacing:-1.5px;margin-bottom:16px}
.hero h1 em{font-style:normal;color:var(--blue)}
.hero p{color:var(--muted);font-size:17px;margin-bottom:28px}
.hero .cta{display:flex;gap:10px;flex-wrap:wrap}
.stats{display:flex;gap:28px;margin-top:32px}
.stats b{display:block;font-size:24px;color:var(--navy);font-weight:900}
.stats span{font-size:13px;color:var(--muted)}
.phone{width:300px;margin:0 auto;border-radius:38px;border:10px solid var(--navy);overflow:hidden;box-shadow:0 30px 60px rgba(11,42,91,.25);height:600px;background:#fff}
.phone iframe{width:100%;height:100%;border:0}
@media(max-width:860px){.hero .wrap{grid-template-columns:1fr}.hero h1{font-size:32px}.hero{padding:40px 0}.phone{width:270px;height:540px}}

/* sections */
.sec{padding:72px 0}
.sec.alt{background:var(--sky2)}
.sec h2{font-size:30px;font-weight:900;color:var(--navy);text-align:center;letter-spacing:-1px;margin-bottom:8px}
.sec .sub{text-align:center;color:var(--muted);margin-bottom:40px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.card .ic{width:44px;height:44px;border-radius:12px;background:var(--sky);color:var(--blue);display:grid;place-items:center;margin-bottom:14px}
.card h3{font-size:18px;color:var(--navy);margin-bottom:6px}
.card p{color:var(--muted);font-size:15px}
.step{text-align:center}
.step .no{width:40px;height:40px;border-radius:50%;background:var(--blue);color:#fff;font-weight:900;display:grid;place-items:center;margin:0 auto 12px}
.tpl{border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);background:#fff;text-align:center}
.tpl .pv{height:150px;display:grid;place-items:center;font-family:'Noto Serif KR',serif;font-size:26px;font-weight:700}
.tpl div.nm{padding:12px;font-weight:700;color:var(--navy)}
@media(max-width:860px){.grid3,.grid4{grid-template-columns:1fr 1fr}.sec{padding:52px 0}.sec h2{font-size:24px}}
@media(max-width:480px){.grid3{grid-template-columns:1fr}}

/* faq */
.faq{max-width:760px;margin:0 auto}
.faq details{border-bottom:1px solid var(--line);padding:18px 4px}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between}
.faq summary::after{content:'+';color:var(--blue);font-size:20px}
.faq details[open] summary::after{content:'−'}
.faq details p{color:var(--muted);margin-top:10px;font-size:15px}

.ctaband{background:var(--navy);color:#fff;text-align:center;padding:56px 16px}
.ctaband h2{color:#fff;font-size:28px;margin-bottom:10px}
.ctaband p{opacity:.8;margin-bottom:24px}
.ctaband .btn-p{background:#fff;color:var(--navy)}

/* footer */
.ft{background:#f7f9fd;border-top:1px solid var(--line);padding:36px 0 100px;font-size:13px;color:var(--muted)}
.ft .links{display:flex;gap:14px;margin:12px 0;flex-wrap:wrap}
.ft b{color:var(--navy)}

/* mobile bottom bar */
.mbar{display:none;position:fixed;bottom:0;left:0;right:0;z-index:60;padding:10px 16px calc(10px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid var(--line)}
.mbar .btn{width:100%}
@media(max-width:760px){.mbar{display:block}}

/* forms (create) */
.cr{display:grid;grid-template-columns:1fr 360px;gap:32px;padding:32px 16px 120px;max-width:1080px;margin:0 auto}
.cr h1{font-size:26px;color:var(--navy);font-weight:900;margin-bottom:4px}
.box{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin-top:16px}
.box h2{font-size:17px;color:var(--navy);margin-bottom:14px;display:flex;align-items:center;gap:8px}
.box h2 small{font-weight:400;color:var(--muted);font-size:13px}
.row{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:10px}
.row.c3{grid-template-columns:1fr 1fr 1fr}
.row.c1{grid-template-columns:1fr}
label{display:block;font-size:13px;color:var(--muted);margin-bottom:4px;font-weight:500}
label i{color:var(--blue);font-style:normal}
input,select,textarea{width:100%;border:1px solid var(--line);border-radius:10px;padding:12px;background:#fff;color:var(--text);outline:none}
input:focus,select:focus,textarea:focus{border-color:var(--blue2);box-shadow:0 0 0 3px var(--sky)}
textarea{min-height:90px;resize:vertical}
.dyn{border:1px dashed var(--line);border-radius:12px;padding:12px;margin-bottom:10px;position:relative;background:var(--sky2)}
.dyn .del{position:absolute;top:8px;right:8px;border:0;background:none;color:var(--muted);cursor:pointer;font-size:13px}
.tplpick{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}
.tplpick label{border:2px solid var(--line);border-radius:12px;padding:10px 4px;text-align:center;cursor:pointer;margin:0;color:var(--navy);font-weight:700}
.tplpick input{display:none}
.tplpick input:checked+span{color:var(--blue)}
.tplpick label:has(input:checked){border-color:var(--blue);background:var(--sky)}
.seg{display:flex;background:var(--sky);border-radius:12px;padding:4px;margin-top:14px}
.seg label{flex:1;text-align:center;margin:0;padding:10px;border-radius:9px;cursor:pointer;font-weight:700;color:var(--muted);font-size:15px}
.seg input{display:none}
.seg label:has(input:checked){background:#fff;color:var(--navy);box-shadow:0 2px 6px rgba(0,0,0,.06)}
.side{position:sticky;top:76px;align-self:start}
.side .phone{width:100%;height:640px;border-width:8px;border-radius:32px}
.done{display:none;background:var(--sky);border-radius:var(--radius);padding:18px;margin-top:16px}
.done.on{display:block}
.done input{font-size:13px;margin:8px 0}
.done .acts{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.mut{color:var(--muted);font-size:13px}
@media(max-width:900px){.cr{grid-template-columns:1fr}.side{position:static}.side .phone{max-width:340px;margin:0 auto}.row.c3{grid-template-columns:1fr 1fr}}
@media(max-width:420px){.row{grid-template-columns:1fr}.tplpick{grid-template-columns:1fr 1fr}}

/* guide article */
.art{max-width:760px;margin:0 auto;padding:40px 16px 120px}
.art h1{font-size:30px;color:var(--navy);font-weight:900;line-height:1.35;margin-bottom:12px}
.art h2{font-size:22px;color:var(--navy);margin:40px 0 12px;padding-top:12px;border-top:2px solid var(--sky)}
.art h3{font-size:17px;color:var(--blue);margin:20px 0 6px}
.art p,.art li{font-size:16px;color:#2b3a55;margin-bottom:10px}
.art ul,.art ol{padding-left:20px}
.art table{width:100%;border-collapse:collapse;margin:12px 0;font-size:15px}
.art th,.art td{border:1px solid var(--line);padding:10px;text-align:left}
.art th{background:var(--sky);color:var(--navy)}
.toc{background:var(--sky2);border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin:20px 0}
.toc a{color:var(--blue);display:block;padding:3px 0}
.quote{background:var(--sky2);border-left:4px solid var(--blue);padding:14px 16px;border-radius:8px;white-space:pre-line;font-size:15px;color:#2b3a55;margin:10px 0}
.toast{position:fixed;left:50%;bottom:90px;transform:translateX(-50%);background:var(--navy);color:#fff;padding:12px 20px;border-radius:99px;font-size:14px;opacity:0;transition:.3s;pointer-events:none;z-index:99}
.toast.on{opacity:1}