:root{
  --ink:#102131; --muted:#657483; --line:#dde5e9; --bg:#f6f3ec;
  --paper:#fffdf8; --brand:#d56a2d; --brand2:#f0b44c; --deep:#16313f;
  --soft:#eef4f3; --radius:22px; --shadow:0 18px 50px rgba(16,33,49,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Pretendard,"Noto Sans KR","Apple SD Gothic Neo",Arial,sans-serif;color:var(--ink);background:var(--paper);line-height:1.75;word-break:keep-all}
a{color:inherit;text-decoration:none}
img{max-width:100%}
.wrap{width:min(1120px,calc(100% - 40px));margin:auto}
.topline{height:6px;background:linear-gradient(90deg,var(--brand),var(--brand2))}
header{position:sticky;top:0;z-index:50;background:rgba(255,253,248,.93);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.nav{height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:12px;font-weight:900;letter-spacing:-.5px}
.mark{width:42px;height:42px;border-radius:14px;display:grid;place-items:center;background:var(--deep);color:#fff;font-weight:900}
.brand small{display:block;color:var(--muted);font-size:11px;font-weight:700;letter-spacing:.08em}
nav{display:flex;gap:24px;align-items:center;font-size:14px;font-weight:800}
nav a:hover{color:var(--brand)}
.navcta{padding:11px 16px;border-radius:12px;background:var(--deep);color:#fff}
.hero{padding:86px 0 66px;background:
 radial-gradient(circle at 80% 15%,rgba(240,180,76,.22),transparent 28%),
 linear-gradient(180deg,#fffdf8,#f8f2e8)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.kicker{font-size:13px;font-weight:900;color:var(--brand);letter-spacing:.12em;text-transform:uppercase}
h1{font-size:clamp(42px,6vw,74px);line-height:1.05;margin:16px 0 24px;letter-spacing:-.055em}
.hero p{font-size:20px;color:#4f6170;max-width:700px}
.hero-card{background:var(--deep);color:#fff;border-radius:30px;padding:34px;box-shadow:var(--shadow)}
.hero-card h2{font-size:27px;line-height:1.3;margin:8px 0 22px}
.mini-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.mini{padding:18px;border-radius:16px;background:rgba(255,255,255,.08)}
.mini b{display:block;color:#ffd986;margin-bottom:4px}
.tags{display:flex;flex-wrap:wrap;gap:8px;margin-top:26px}
.tag{border:1px solid var(--line);background:#fff;padding:8px 12px;border-radius:999px;font-size:13px;font-weight:700}
section{padding:78px 0}
.soft{background:var(--bg)}
.section-head{max-width:760px;margin-bottom:34px}
.section-head h2{font-size:38px;line-height:1.25;letter-spacing:-.04em;margin:9px 0 12px}
.section-head p{color:var(--muted);font-size:17px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;transition:.2s;box-shadow:0 8px 24px rgba(16,33,49,.03)}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.card .num{font-size:12px;font-weight:900;color:var(--brand);letter-spacing:.1em}
.card h3{font-size:21px;line-height:1.35;margin:10px 0}
.card p{color:var(--muted);font-size:15px;margin-bottom:18px}
.link{font-weight:900;color:var(--brand)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:42px;align-items:start}
.quote{padding:30px;border-left:5px solid var(--brand);background:#fff;border-radius:0 18px 18px 0;font-size:20px;font-weight:800}
.steps{display:grid;gap:12px}
.step{display:grid;grid-template-columns:56px 1fr;gap:16px;padding:20px;background:#fff;border:1px solid var(--line);border-radius:16px}
.step b:first-child{width:46px;height:46px;border-radius:14px;background:#fae6d8;color:var(--brand);display:grid;place-items:center}
.cta{background:var(--deep);color:#fff;border-radius:30px;padding:46px;display:flex;align-items:center;justify-content:space-between;gap:30px}
.cta h2{font-size:32px;line-height:1.25;margin:0 0 10px}
.cta p{color:#cbd8de;margin:0}
.btn{display:inline-block;padding:14px 20px;background:var(--brand2);color:#1c2d35;border-radius:12px;font-weight:900;white-space:nowrap}
.article-hero{padding:68px 0 42px;background:var(--bg);border-bottom:1px solid var(--line)}
.article-hero h1{font-size:clamp(38px,5vw,60px);max-width:920px}
.meta{display:flex;gap:14px;flex-wrap:wrap;color:var(--muted);font-size:14px}
.article{width:min(840px,calc(100% - 40px));margin:0 auto;padding:62px 0 90px}
.article h2{font-size:31px;line-height:1.35;margin:54px 0 16px;letter-spacing:-.035em}
.article h3{font-size:22px;margin:32px 0 10px}
.article p,.article li{font-size:17px;color:#344957}
.article ul{padding-left:22px}
.toc{background:#f6f3ec;border:1px solid var(--line);border-radius:20px;padding:24px;margin:30px 0}
.toc b{display:block;margin-bottom:8px}
.notice{background:#eef4f3;border-radius:18px;padding:24px;margin:28px 0}
.related{border-top:1px solid var(--line);padding-top:34px;margin-top:52px}
.related-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.related a{border:1px solid var(--line);border-radius:14px;padding:16px;font-weight:800;background:#fff}
footer{background:#0f1f2c;color:#c8d2d9;padding:46px 0}
.foot{display:grid;grid-template-columns:1fr auto;gap:30px}
footer strong{color:#fff}
footer a{color:#ffd986}
.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:16px}
@media(max-width:850px){
  nav a:not(.navcta){display:none}.hero-grid,.split{grid-template-columns:1fr}.cards{grid-template-columns:1fr 1fr}
  .hero{padding-top:58px}.cta{display:block}.cta .btn{margin-top:24px}.foot{grid-template-columns:1fr}
}
@media(max-width:560px){
  .wrap{width:min(100% - 28px,1120px)}.cards,.related-grid{grid-template-columns:1fr}
  .nav{height:70px}.hero p{font-size:17px}.hero-card{padding:24px}.mini-grid{grid-template-columns:1fr}
  section{padding:58px 0}.section-head h2{font-size:31px}.article{width:min(100% - 28px,840px)}
}