:root{--bg:#FAF8F3;--ink:#1B2430;--mut:#5F6670;--card:#fff;--line:#E6E1D6;--acc:#C8501E;--acc-d:#A53F14;--soft:#F6E7DD}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:Pretendard,-apple-system,"Malgun Gothic",sans-serif;line-height:1.7;word-break:keep-all;-webkit-text-size-adjust:100%}
a{color:var(--acc-d)}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
.top{position:sticky;top:0;z-index:10;background:rgba(250,248,243,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;gap:16px;height:58px}
.logo{display:flex;align-items:center;gap:8px;font-weight:800;font-size:19px;color:var(--ink);text-decoration:none;letter-spacing:-.02em}
.top nav{display:flex;gap:4px;margin-left:auto;overflow-x:auto}
.top nav a{padding:8px 10px;color:var(--ink);text-decoration:none;font-size:14px;white-space:nowrap;border-radius:8px}
.top nav a:hover{background:var(--soft)}
.cta-sm{background:var(--acc);color:#fff;text-decoration:none;padding:9px 14px;border-radius:10px;font-weight:700;font-size:14px;white-space:nowrap}
.hero{padding:72px 0 56px;min-height:60dvh;display:flex;align-items:center}
.eyebrow{color:var(--acc-d);font-weight:700;font-size:14px;margin:0 0 12px}
h1{font-size:clamp(30px,5.2vw,52px);line-height:1.2;letter-spacing:-.03em;margin:0 0 16px}
.hero h1{font-size:clamp(34px,6vw,60px)}
.lead{font-size:clamp(16px,2vw,20px);color:var(--mut);max-width:34em;margin:0 0 28px}
h2{font-size:clamp(22px,3vw,30px);line-height:1.3;letter-spacing:-.02em;margin:0 0 12px}
h3{font-size:18px;margin:0 0 8px}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap}
.btn,.btn-o{display:inline-block;padding:14px 22px;border-radius:12px;font-weight:700;text-decoration:none;font-size:16px;min-height:48px;border:0;cursor:pointer;font-family:inherit}
.btn{background:var(--acc);color:#fff}.btn:hover{background:var(--acc-d)}
.btn-o{border:1.5px solid var(--ink);color:var(--ink);background:transparent}
.sec{padding-top:36px;padding-bottom:36px}
.mut{color:var(--mut);font-size:14px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:14px;margin:20px 0}
.card{display:flex;flex-direction:column;gap:6px;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:18px;text-decoration:none;color:var(--ink)}
.card:hover{border-color:var(--acc)}
.card strong{font-size:17px}.card span{color:var(--mut);font-size:14px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:32px}
@media(max-width:700px){.split{grid-template-columns:1fr}.top nav{display:none}.hero{padding:48px 0 36px}}
.prose{padding-top:20px;padding-bottom:48px;max-width:760px}
.prose p,.prose li{font-size:16.5px}
.answer{font-size:18px;font-weight:600;background:var(--soft);border-radius:12px;padding:16px 18px;margin:0 0 12px}
.stamp,.src{font-size:13px;color:var(--mut)}
.blk{margin:22px 0}.blk ul,.steps{padding-left:20px}
.steps{list-style:none;padding:0}.steps li{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:14px 16px;margin:10px 0}
.crumbs{padding-top:14px;font-size:13px;color:var(--mut)}.crumbs a{color:var(--mut)}
.cta-box{background:var(--ink);color:#fff;border-radius:16px;padding:24px;margin:32px 0;display:flex;flex-direction:column;gap:10px;align-items:flex-start}
.cta-box p{margin:0;font-size:19px;font-weight:700;color:#fff}.cta-box .mut{color:#c7ccd3}
details{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:14px 16px;margin:8px 0}
summary{cursor:pointer;font-weight:700}details p{margin:10px 0 0;color:var(--mut)}
.tbl{width:100%;border-collapse:collapse;background:var(--card);border-radius:12px;overflow:hidden;font-size:15px;margin:14px 0}
.tbl th,.tbl td{padding:11px 14px;border-bottom:1px solid var(--line);text-align:left}.tbl th{background:var(--soft)}
.chips{display:flex;flex-wrap:wrap;gap:8px}.chip{background:var(--soft);padding:8px 14px;border-radius:99px;text-decoration:none;font-weight:600}
.form{display:flex;flex-direction:column;gap:16px;margin:18px 0}
.form label,.tool label{display:flex;flex-direction:column;gap:6px;font-weight:600;font-size:15px}
input,select,textarea{font:inherit;padding:13px 14px;border:1.5px solid var(--line);border-radius:10px;background:#fff;min-height:48px;width:100%}
input:focus,select:focus,textarea:focus{outline:2px solid var(--acc);border-color:var(--acc)}
fieldset{border:1.5px solid var(--line);border-radius:12px;padding:12px 14px}legend{font-weight:700;padding:0 6px}
.chk{display:flex!important;flex-direction:row!important;gap:10px;align-items:flex-start;font-weight:400!important;padding:8px 0}
.chk input{width:22px;min-height:22px;margin-top:3px;flex:none}
.consent{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:8px 14px;font-size:14px}
.hp{position:absolute;left:-9999px;height:0;opacity:0}
.msg{min-height:1.5em;font-weight:600}.msg.err{color:#B3261E}.msg.ok{color:#1B6B3A}
.tool{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:20px;margin:18px 0;display:flex;flex-direction:column;gap:14px}
.items{display:flex;flex-direction:column;gap:6px}
.it{display:grid;grid-template-columns:1fr auto 76px;gap:10px;align-items:center;padding:6px 0;border-bottom:1px solid var(--line);font-size:15px}
.it em{font-style:normal;color:var(--mut)}.it input{min-height:40px;padding:6px 8px}
.total{display:flex;justify-content:space-between;align-items:baseline;border-top:2px solid var(--ink);padding-top:12px}
.total strong{font-size:26px;color:var(--acc-d)}
.checks{display:flex;flex-direction:column}
.foot{background:#fff;border-top:1px solid var(--line);padding:36px 0 48px;margin-top:40px}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}
@media(max-width:700px){.foot-grid{grid-template-columns:1fr}}
.logo-f{font-weight:800;font-size:18px;margin:0}
.foot-links{display:flex;flex-direction:column;gap:6px;font-size:14px}.foot-links a{color:var(--ink);text-decoration:none}
.legal{font-size:12.5px;color:var(--mut);margin:14px 0 0}