:root{--bg:#fff;--bg2:#f7f9fa;--line:#eaedef;--text:#2f3438;--muted:#828c94;--gold:#35c5f0;--gold2:#09addb;--kakao:#fee500;--radius:12px}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{font-family:Pretendard,-apple-system,"Apple SD Gothic Neo","Noto Sans KR","Malgun Gothic",sans-serif;background:var(--bg);color:var(--text);line-height:1.75;overflow-x:hidden;word-break:keep-all;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
.wrap{max-width:1136px;margin:0 auto;padding:0 20px}
header{position:fixed;inset:0 0 auto 0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:64px;gap:16px}
.logo{font-size:22px;font-weight:800;letter-spacing:-.03em;white-space:nowrap}
.logo span{color:var(--gold)}
.menu{display:flex;gap:22px;font-size:15px;font-weight:700}
.menu a:hover,.menu a[aria-current]{color:var(--gold2)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;cursor:pointer;font:inherit;font-weight:700;border-radius:4px;padding:14px 26px;font-size:16px;transition:background .15s;white-space:nowrap}
.btn-gold{background:var(--gold);color:#fff}.btn-gold:hover{background:var(--gold2)}
.btn-kakao{background:var(--kakao);color:#191600}.btn-kakao:hover{background:#f2da00}
.btn-ghost{background:#fff;border:1px solid #dadde0;color:var(--text)}
.nav .btn{padding:9px 16px;font-size:14px}
.art{max-width:820px;padding-top:104px;padding-bottom:72px}
.crumb{font-size:13px;color:var(--muted);margin-bottom:18px}
.crumb a:hover{color:var(--gold2)}
h1{font-size:clamp(28px,4.6vw,40px);font-weight:800;line-height:1.3;letter-spacing:-.03em}
.meta{font-size:13px;color:var(--muted);margin-top:10px}
.lead{font-size:18px;color:#424242;margin:22px 0 28px}
.sum{background:#effbff;border-radius:var(--radius);padding:22px 24px;margin-bottom:20px}
.sum ul{margin:8px 0 0 20px}.sum li{margin:4px 0}
.toc{border:1px solid var(--line);border-radius:var(--radius);padding:20px 24px;font-size:15px}
.toc ol{margin:8px 0 0 20px}.toc a{color:#424242}.toc a:hover{color:var(--gold2);text-decoration:underline}
.art h2{font-size:clamp(21px,3vw,26px);font-weight:700;line-height:1.35;letter-spacing:-.02em;margin:52px 0 14px}
.art h3{font-size:18px;font-weight:700;margin:26px 0 8px}
.art p{margin:12px 0;color:#424242}
.art ul,.art ol{margin:12px 0 12px 22px;color:#424242}
.art li{margin:8px 0}
.art p a,.art li a{color:var(--gold2);text-decoration:underline;text-underline-offset:3px}
.note{background:var(--bg2);border-left:3px solid var(--gold);padding:12px 16px;font-size:15px;border-radius:0 8px 8px 0}
.tbl{overflow-x:auto;margin:16px 0}
table{width:100%;border-collapse:collapse;font-size:15px;min-width:460px}
th,td{border:1px solid var(--line);padding:11px 14px;text-align:left;vertical-align:top}
th{background:var(--bg2);font-weight:700}
.faq{border-top:1px solid var(--text)}
details{border-bottom:1px solid var(--line);padding:0 8px}
summary{cursor:pointer;list-style:none;padding:18px 0;font-weight:700;display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--muted);font-size:22px;line-height:1}
details[open] summary::after{content:"−";color:var(--gold)}
details p{padding:0 0 18px;margin:0;font-size:15px}
.cta-box{background:#effbff;border-radius:var(--radius);padding:32px 28px;margin-top:56px}
.cta-box h2{margin:0 0 8px;font-size:22px}
.cta-box p{font-size:15px}
.cta{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.relh{font-size:20px!important}
.rels{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.rel{display:block;border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px;text-decoration:none!important;transition:box-shadow .2s,border-color .2s}
.rel:hover{border-color:var(--gold);box-shadow:0 6px 18px rgba(63,71,77,.08)}
.rel b{display:block;font-size:16px;color:var(--text)}
.rel span{display:block;font-size:14px;color:var(--muted);margin-top:4px}
.rel em{display:block;font-style:normal;font-size:14px;font-weight:700;color:var(--gold2);margin-top:12px}
.rel.big b{font-size:18px}
.hub{margin-top:8px}
footer{border-top:1px solid var(--line);background:var(--bg2);padding:40px 0 120px;font-size:12px;color:var(--muted);line-height:1.7}
footer p{margin-bottom:10px}
.fnav{display:flex;flex-wrap:wrap;gap:6px 18px;font-size:13px;font-weight:700;color:var(--text);margin-bottom:18px;padding-bottom:18px;border-bottom:1px solid var(--line)}
.fnav a:hover{color:var(--gold2)}
.warn{color:#f15746;font-weight:700;font-size:13px}
.biz{display:flex;flex-wrap:wrap;gap:6px 18px;margin-top:18px;padding-top:18px;border-top:1px solid var(--line)}
.dock{position:fixed;left:0;right:0;bottom:0;z-index:60;display:none;gap:8px;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid var(--line)}
.dock .btn{flex:1;padding:14px 10px;font-size:15px}
@media(max-width:1000px){.menu{display:none}}
@media(max-width:900px){.dock{display:flex}.nav .btn{display:none}.art{padding-top:88px}}
@media(max-width:560px){.rels{grid-template-columns:1fr}.cta .btn{flex:1 1 100%}.cta-box{padding:26px 20px}}