:root {
    --navy: #101827;
    --navy-2: #18243a;
    --blue: #a97816;
    --blue-soft: #fff6df;
    --ink: #172033;
    --muted: #627087;
    --line: #dce2eb;
    --paper: #f5f7fa;
    --white: #fff;
    --max: 1160px;
}

*,
*::before,
*::after {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    color: var(--ink);
    background: var(--white);
    font-family: "Pretendard", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    font-size: 16px;
    line-height: 1.75;
    word-break: keep-all;
}

a {
    color: inherit;
    text-decoration: none;
}

.container {
    width: min(calc(100% - 40px), var(--max));
    margin-inline: auto;
}

.skip-link {
    position: fixed;
    top: -60px;
    left: 20px;
    z-index: 100;
    padding: 10px 16px;
    color: #fff;
    background: var(--blue);
}

.skip-link:focus {
    top: 20px;
}

.site-header {
    position: sticky;
    top: 0;
    z-index: 50;
    border-bottom: 1px solid rgba(220, 226, 235, .8);
    background: rgba(255, 255, 255, .94);
    backdrop-filter: blur(14px);
}

.header-inner {
    min-height: 72px;
    display: flex;
    align-items: center;
    gap: 30px;
}

.brand {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-size: 18px;
    font-weight: 900;
    letter-spacing: -.04em;
    white-space: nowrap;
}

.brand-mark {
    width: 34px;
    height: 34px;
    display: grid;
    place-items: center;
    border-radius: 8px;
    color: #fff;
    background: var(--blue);
    font-size: 11px;
    letter-spacing: -.02em;
}

.nav {
    margin-left: auto;
    display: flex;
    align-items: center;
    gap: 22px;
}

.nav a {
    color: #46536a;
    font-size: 13px;
    font-weight: 750;
}

.nav a:hover,
.nav a[aria-current="page"] {
    color: var(--blue);
}

.nav-cta {
    padding: 9px 14px;
    border: 1px solid var(--blue);
    border-radius: 7px;
}

.hero {
    padding: 95px 0 90px;
    border-bottom: 1px solid var(--line);
    background:
        linear-gradient(90deg, rgba(36, 86, 214, .05) 1px, transparent 1px),
        linear-gradient(rgba(36, 86, 214, .05) 1px, transparent 1px),
        #fbfcfe;
    background-size: 48px 48px;
}

.breadcrumb {
    margin-bottom: 26px;
    display: flex;
    gap: 8px;
    color: var(--muted);
    font-size: 12px;
}

.eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    color: var(--blue);
    font-size: 12px;
    font-weight: 850;
    letter-spacing: .1em;
    text-transform: uppercase;
}

.eyebrow::before {
    content: "";
    width: 22px;
    height: 2px;
    background: currentColor;
}

h1 {
    max-width: 920px;
    margin: 18px 0 24px;
    font-size: clamp(43px, 6vw, 72px);
    line-height: 1.12;
    letter-spacing: -.055em;
}

.hero-lead {
    max-width: 790px;
    margin: 0;
    color: var(--muted);
    font-size: 19px;
    line-height: 1.85;
}

.hero-actions,
.inline-links {
    margin-top: 31px;
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
}

.button {
    min-height: 48px;
    padding: 0 19px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border: 1px solid var(--line);
    border-radius: 7px;
    background: #fff;
    font-size: 14px;
    font-weight: 800;
}

.button-primary {
    border-color: var(--blue);
    color: #fff;
    background: var(--blue);
}

.answer-strip {
    padding: 28px 0;
    color: #fff;
    background: var(--navy);
}

.answer-inner {
    display: grid;
    grid-template-columns: 170px 1fr;
    gap: 30px;
    align-items: start;
}

.answer-inner strong {
    color: #9db6ff;
    font-size: 13px;
}

.answer-inner p {
    margin: 0;
    font-size: 17px;
}

.fact-strip {
    border-bottom: 1px solid var(--line);
    background: #fff;
}

.fact-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

.fact-item {
    min-height: 112px;
    padding: 24px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    border-right: 1px solid var(--line);
}

.fact-item:first-child {
    border-left: 1px solid var(--line);
}

.fact-item strong {
    font-size: 16px;
}

.fact-item span {
    margin-top: 3px;
    color: var(--muted);
    font-size: 12px;
}

.section {
    padding: 92px 0;
}

.section-soft {
    background: var(--paper);
}

.section-dark {
    color: #fff;
    background: var(--navy);
}

.section-dark .section-lead,
.section-dark .doc-card p {
    color: #aeb9ca;
}

.section-head {
    max-width: 800px;
    margin-bottom: 42px;
}

.section h2 {
    margin: 15px 0 16px;
    font-size: clamp(31px, 4vw, 48px);
    line-height: 1.24;
    letter-spacing: -.045em;
}

.section-lead {
    margin: 0;
    color: var(--muted);
    font-size: 17px;
}

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

.doc-grid.two {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.doc-card {
    min-height: 220px;
    padding: 27px;
    border: 1px solid var(--line);
    border-radius: 10px;
    background: #fff;
}

.section-dark .doc-card {
    border-color: rgba(255, 255, 255, .12);
    background: var(--navy-2);
}

.doc-card small {
    color: var(--blue);
    font-size: 11px;
    font-weight: 900;
    letter-spacing: .08em;
}

.section-dark .doc-card small {
    color: #9db6ff;
}

.doc-card h3 {
    margin: 18px 0 10px;
    font-size: 21px;
    line-height: 1.4;
}

.doc-card p,
.doc-card li {
    color: var(--muted);
    font-size: 14px;
}

.doc-card ul {
    margin: 14px 0 0;
    padding-left: 18px;
}

.prose-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 44px 54px;
}

.spaced-prose {
    margin-top: 54px;
}

.prose-block {
    padding-top: 20px;
    border-top: 2px solid var(--ink);
}

.section-dark .prose-block {
    border-color: rgba(255, 255, 255, .55);
}

.prose-block h3 {
    margin: 0 0 14px;
    font-size: 22px;
    line-height: 1.4;
}

.prose-block p {
    margin: 0 0 13px;
    color: var(--muted);
    font-size: 15px;
    line-height: 1.9;
}

.section-dark .prose-block p {
    color: #aeb9ca;
}

.check-list {
    margin: 17px 0 0;
    padding: 0;
    display: grid;
    gap: 9px;
    list-style: none;
}

.check-list li {
    position: relative;
    padding-left: 19px;
    color: var(--muted);
    font-size: 14px;
}

.check-list li::before {
    content: "•";
    position: absolute;
    left: 0;
    color: var(--blue);
    font-weight: 900;
}

.callout {
    margin-top: 38px;
    padding: 25px 28px;
    border-left: 4px solid var(--blue);
    background: var(--blue-soft);
}

.callout strong {
    display: block;
    margin-bottom: 6px;
}

.callout p {
    margin: 0;
    color: #4f5f78;
    font-size: 14px;
}

.comparison {
    border-top: 2px solid var(--ink);
}

.comparison-row {
    min-height: 88px;
    padding: 20px 8px;
    display: grid;
    grid-template-columns: .55fr 1fr 1fr;
    gap: 25px;
    align-items: center;
    border-bottom: 1px solid var(--line);
}

.comparison-row strong {
    font-size: 14px;
}

.comparison-row span {
    color: var(--muted);
    font-size: 14px;
}

.steps {
    counter-reset: step;
    border-top: 1px solid var(--line);
}

.step {
    min-height: 105px;
    display: grid;
    grid-template-columns: 85px .8fr 1.2fr;
    gap: 25px;
    align-items: center;
    border-bottom: 1px solid var(--line);
}

.step::before {
    counter-increment: step;
    content: "0" counter(step);
    color: var(--blue);
    font-size: 13px;
    font-weight: 900;
}

.step h3,
.step p {
    margin: 0;
}

.step h3 {
    font-size: 19px;
}

.step p {
    color: var(--muted);
    font-size: 14px;
}

.faq-list {
    border-top: 1px solid var(--line);
}

.faq-item {
    border-bottom: 1px solid var(--line);
}

.faq-item summary {
    padding: 22px 4px;
    display: flex;
    justify-content: space-between;
    gap: 20px;
    cursor: pointer;
    font-size: 17px;
    font-weight: 800;
    list-style: none;
}

.faq-item summary::after {
    content: "+";
    color: var(--blue);
}

.faq-item[open] summary::after {
    content: "−";
}

.faq-answer {
    max-width: 880px;
    padding: 0 4px 24px;
    color: var(--muted);
}

.cta {
    padding: 65px 0;
    color: #fff;
    background: var(--blue);
}

.cta-inner {
    display: flex;
    justify-content: space-between;
    gap: 35px;
    align-items: center;
}

.cta h2 {
    margin: 0 0 8px;
    font-size: clamp(27px, 3vw, 38px);
}

.cta p {
    margin: 0;
    color: rgba(255, 255, 255, .75);
}

.cta .button {
    border-color: #fff;
    white-space: nowrap;
}

.footer {
    padding: 34px 0;
    color: #93a0b4;
    background: #0b111d;
    font-size: 12px;
}

.footer-inner {
    display: flex;
    justify-content: space-between;
    gap: 25px;
}

.footer-links {
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
}

@media (max-width: 980px) {
    .nav a:not(.nav-cta) {
        display: none;
    }

    .doc-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .fact-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 700px) {
    .container {
        width: min(calc(100% - 30px), var(--max));
    }

    .hero,
    .section {
        padding: 68px 0;
    }

    .answer-inner,
    .doc-grid,
    .doc-grid.two,
    .prose-grid,
    .comparison-row,
    .step {
        grid-template-columns: 1fr;
    }

    .fact-grid {
        grid-template-columns: 1fr;
    }

    .fact-item {
        min-height: auto;
        border-right: 1px solid var(--line);
        border-bottom: 1px solid var(--line);
    }

    .doc-card {
        min-height: auto;
    }

    .comparison-row,
    .step {
        gap: 9px;
    }

    .step {
        padding: 20px 0;
    }

    .cta-inner,
    .footer-inner {
        align-items: flex-start;
        flex-direction: column;
    }

    .button {
        width: 100%;
    }
}