@font-face{font-family:SUIT;src:url(/assets/fonts/SUIT-Variable.woff2) format("woff2");font-weight:100 900;font-display:swap}
:root{--navy:#263747;--ink-d:#1a2631;--ivory:#F5F2EA;--paper:#FBF9F4;--bronze:#A88D68;--bronze-d:#7a6340;--stone:#777C80;--ink:#303840;--line:#E7E3DB;--line-d:rgba(245,242,234,.16);--w:1240px;--hd:64px}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;scroll-padding-top:120px}
body{margin:0;font:400 17px/1.8 SUIT,Pretendard,"Noto Sans KR","Malgun Gothic",sans-serif;color:var(--ink);background:var(--ivory);word-break:keep-all;overflow-wrap:break-word;-webkit-font-smoothing:antialiased}
body.no-scroll{overflow:hidden}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-underline-offset:4px;text-decoration-thickness:1px}a:hover{color:var(--bronze-d)}
h1,h2,h3{color:var(--navy);margin:0 0 .6em;letter-spacing:-.03em;line-height:1.25}
h1{font-weight:300}h2{font-size:clamp(1.55rem,2.6vw,2.2rem);font-weight:700}h3{font-size:1.15rem;font-weight:700}
p{margin:0 0 1em}.wrap{width:min(var(--w),100% - 48px);margin-inline:auto}.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}.small{font-size:.88rem;color:var(--stone)}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:99}.skip:focus{left:0}
.lab{font-size:.74rem;letter-spacing:.24em;font-weight:700;color:var(--bronze-d);margin:0 0 1.2rem;text-transform:uppercase;display:flex;align-items:center;gap:12px}.lab::before{content:"";width:28px;height:1px;background:currentColor}
/* top bar */
.top{position:sticky;top:0;z-index:60;background:rgba(245,242,234,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.top-in{display:flex;justify-content:space-between;align-items:center;height:var(--hd)}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none}.logo b{display:block;font-size:1rem;color:var(--navy);line-height:1.15;font-weight:800}.logo i{display:block;font-style:normal;font-size:.58rem;letter-spacing:.2em;color:var(--bronze-d);font-weight:700}
.top-r{display:flex;align-items:center;gap:28px}.top-cta{font-weight:700;font-size:.92rem;text-decoration:none;color:var(--navy);border-bottom:1px solid var(--bronze);padding-bottom:2px}
.menu-btn{display:flex;align-items:center;gap:12px;background:none;border:0;cursor:pointer;font:700 .78rem/1 SUIT,sans-serif;letter-spacing:.22em;color:var(--navy);padding:14px 0;min-height:48px}
.menu-l{display:block;width:30px}.menu-l i{display:block;height:1.5px;background:var(--navy);margin:6px 0;transition:.25s}.menu-btn[aria-expanded=true] .menu-l i:first-child{transform:translateY(3.8px) rotate(25deg)}.menu-btn[aria-expanded=true] .menu-l i:last-child{transform:translateY(-3.8px) rotate(-25deg)}
.idx{position:fixed;inset:var(--hd) 0 0 0;z-index:55;background:var(--ink-d);color:var(--ivory);overflow:auto;padding:48px 0 64px}
.idx[hidden]{display:none}.idx-in{display:grid;grid-template-columns:1.6fr 1fr;gap:80px}.idx .lab{color:var(--bronze)}
.idx-list{list-style:none;margin:0;padding:0;columns:2;column-gap:56px}.idx-list li{break-inside:avoid}
.idx-list a{display:flex;gap:18px;align-items:baseline;padding:12px 0;border-bottom:1px solid var(--line-d);text-decoration:none;color:var(--ivory);font-size:clamp(1.15rem,2vw,1.6rem);font-weight:300;letter-spacing:-.02em;transition:padding .2s,color .2s}
.idx-list i{font-style:normal;font-size:.72rem;color:var(--bronze);letter-spacing:.14em;font-weight:700;min-width:1.6em}.idx-list a:hover,.idx-list a[aria-current]{color:var(--bronze);padding-left:8px}
.idx-side ul{list-style:none;margin:0;padding:0}.idx-side li a{display:block;padding:9px 0;color:#d7d3c8;text-decoration:none;border-bottom:1px solid var(--line-d);font-size:.98rem}.idx-side a{color:#e9e5db}.idx-side a:hover{color:var(--bronze)}.idx-side p{color:#c3c7ca}
/* buttons & links */
.btn{display:inline-block;padding:15px 30px;font:700 .98rem/1.2 SUIT,sans-serif;text-decoration:none;border:1px solid var(--navy);background:var(--navy);color:#fff;cursor:pointer;text-align:center;min-height:50px;letter-spacing:-.01em;transition:.2s}
.btn:hover{background:var(--ink-d);color:#fff}.btn--bronze{background:var(--bronze);border-color:var(--bronze);color:var(--ink-d)}.btn--bronze:hover{background:#c2a67d;color:var(--ink-d)}
.btn--sm{padding:10px 16px;min-height:42px;font-size:.88rem}.btn--line{background:transparent;color:var(--navy)}.btn--line:hover{background:var(--navy);color:#fff}.btn--ghost-light{background:transparent;border-color:rgba(245,242,234,.5);color:var(--ivory)}.btn--ghost-light:hover{background:rgba(245,242,234,.1);color:#fff}
.lnk-l{font-weight:700;color:var(--ivory);text-decoration:none;border-bottom:1px solid var(--bronze);padding:12px 0 4px;display:inline-block}.lnk-l:hover{color:var(--bronze)}.lnk-l--dk{color:var(--navy)}.lnk-l--dk:hover{color:var(--bronze-d)}
/* home hero */
.hero{background:var(--ink-d) linear-gradient(90deg,rgba(245,242,234,.05) 1px,transparent 1px) 0 0/8.3333% 100%;color:#d9d6cc;padding:36px 0 0;overflow:hidden}
.hero .lab{color:var(--bronze)}.hero-top{display:flex;justify-content:space-between;margin-bottom:6vh}
.hero h1{color:var(--ivory);font-weight:200;font-size:clamp(3rem,12.2vw,11.5rem);letter-spacing:-.065em;line-height:.95;margin:0 0 6vh;white-space:nowrap}.hero h1 span{color:var(--bronze);font-weight:700}
.hero-mid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:end;padding-bottom:7vh}.hero .lead{font-size:clamp(1.25rem,2.2vw,1.85rem);font-weight:300;color:var(--ivory);line-height:1.55;margin:0}
.hero .sub{color:#b9bfc4;max-width:34em}.hero-btns{display:flex;flex-wrap:wrap;gap:12px 32px;align-items:center;margin-top:24px}
.ruler{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line-d);position:relative}
.ruler a{display:block;padding:26px 24px 30px 0;text-decoration:none;position:relative;color:#d7d3c8;transition:background .2s}.ruler a+a{padding-left:24px;border-left:1px solid var(--line-d)}
.ruler a::before{content:"";position:absolute;top:-4px;left:0;width:7px;height:7px;background:var(--bronze);border-radius:50%}.ruler a+a::before{left:-4px}
.ruler i{font-style:normal;color:var(--bronze);font-size:.78rem;letter-spacing:.18em;font-weight:700}.ruler b{display:block;font-size:1.25rem;color:var(--ivory);font-weight:600;margin:.25em 0 .1em}.ruler span{font-size:.88rem;color:#9ea6ab}.ruler a:hover b{color:var(--bronze)}
/* sections / marginalia */
.sec{padding:112px 0}.sec--paper{background:var(--paper)}.sec--dark{background:var(--ink-d);color:#cdd2d6}.sec--dark h2,.sec--dark h3{color:var(--ivory)}.sec--dark .lab{color:var(--bronze)}
.mg{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:72px}.mg-h{position:sticky;top:calc(var(--hd) + 32px);align-self:start}.mg-h h2{font-size:clamp(1.7rem,3vw,2.6rem);font-weight:300;letter-spacing:-.04em}.mg-h h2{margin-bottom:.8em}.mg-p{color:var(--stone);font-size:.98rem}.sec--dark .mg-p{color:#a8b0b6}
.head-row{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:72px;align-items:end;margin-bottom:56px}.head-row h2{font-size:clamp(1.7rem,3vw,2.6rem);font-weight:300;margin:0}.head-row p{margin:0;color:var(--stone)}
/* index rows */
.rows{list-style:none;margin:0 0 56px;padding:0;border-top:1px solid var(--navy)}
.rows a{display:grid;grid-template-columns:56px minmax(0,1fr) minmax(0,1.5fr) 32px;gap:20px;align-items:baseline;padding:30px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink);transition:padding .25s,background .25s}
.rows a:hover{padding-left:14px;background:rgba(168,141,104,.1)}.rows i{font-style:normal;color:var(--bronze-d);font-weight:700;font-size:.82rem;letter-spacing:.16em}.rows h3{margin:0;font-size:clamp(1.25rem,2.2vw,1.75rem);font-weight:600;letter-spacing:-.035em}.rows p{margin:0;font-size:.97rem;color:#566069}.rows em{font-style:normal;color:var(--bronze-d);font-weight:700;text-align:right}
.rows--sm a{grid-template-columns:48px minmax(0,1fr) minmax(0,1.5fr) minmax(0,1fr);padding:22px 0}.rows--sm h3{font-size:1.2rem}.rows--sm em{font-size:.86rem}.rows--sm{margin:0}
.nums{list-style:none;counter-reset:n;margin:0 0 32px;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:0 36px}.nums li{counter-increment:n;border-top:1px solid var(--line-d);padding:20px 0 26px;color:var(--ivory);font-size:1.02rem;line-height:1.55}.nums li::before{content:"0" counter(n);display:block;color:var(--bronze);font-size:.78rem;letter-spacing:.18em;font-weight:700;margin-bottom:10px}
.note{border-left:2px solid var(--bronze);padding:6px 0 6px 20px;font-size:.95rem;color:#4b555e;margin:1.6em 0}.note--dk{color:#bcc3c8}
/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0 32px;list-style:none;margin:0;padding:0;counter-reset:s}
.steps li{padding:26px 0 0;border-top:1px solid var(--navy);position:relative}.steps li::before{content:"";position:absolute;top:-4px;left:0;width:7px;height:7px;background:var(--bronze);border-radius:50%}
.steps b{display:block;font-size:.74rem;letter-spacing:.22em;color:var(--bronze-d);margin-bottom:.6em}.steps h3{margin:0 0 .4em}.steps p{font-size:.94rem;color:#5a646d;margin:0}
.sec--dark .steps li{border-color:var(--line-d)}.sec--dark .steps p{color:#a8b0b6}
/* calc ledger */
.calc-flow{max-width:620px;background:#fff;border-top:2px solid var(--navy);border-bottom:2px solid var(--navy);padding:8px 28px}
.calc-flow div{display:flex;justify-content:space-between;gap:16px;padding:14px 0;border-bottom:1px dotted #cfc9bb;font-weight:500}.calc-flow div:last-child{border:0}.calc-flow .op{color:var(--stone);padding-left:20px}.calc-flow .res{font-weight:800;color:var(--navy);background:linear-gradient(transparent 60%,rgba(168,141,104,.28) 60%)}
.checks{list-style:none;margin:0 0 1.4em;padding:0}.checks li{padding:13px 0 13px 28px;border-bottom:1px solid var(--line);position:relative}.checks li::before{content:"";position:absolute;left:2px;top:1.35em;width:12px;height:1px;background:var(--bronze-d)}
.dots{list-style:none;padding:0;margin:0 0 28px}.dots li{padding:6px 0 6px 20px;position:relative}.dots li::before{content:"";position:absolute;left:0;top:1.05em;width:6px;height:6px;background:var(--bronze);border-radius:50%}
/* brand */
.brand{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,6fr);gap:88px;align-items:center}.brand-img img{width:100%;max-height:640px;object-fit:cover;filter:saturate(.85)}.brand-tx h2{font-weight:300;font-size:clamp(1.8rem,3.4vw,3rem)}.brand-tx p{color:#b9bfc4}
/* videos */
.yt{display:grid;grid-template-columns:1.4fr 1fr;grid-template-rows:auto auto;gap:36px 48px}.yt a{display:grid;grid-template-columns:minmax(0,180px) 1fr;gap:20px;text-decoration:none;color:var(--ink);align-items:start}.yt img{width:100%;aspect-ratio:4/3;object-fit:cover}.yt h3{font-size:1rem;line-height:1.5;margin:0 0 .4em}.yt p{font-size:.84rem;color:var(--stone);margin:0}.yt span{display:inline-block;margin-top:.5em;font-weight:700;color:var(--bronze-d);font-size:.88rem}
.yt-main{grid-row:1/3;grid-template-columns:1fr!important;gap:18px!important}.yt-main img{aspect-ratio:16/10}.yt-main h3{font-size:1.4rem;font-weight:600}
/* tables */
.tbl{overflow-x:auto;margin:1.4em 0;-webkit-overflow-scrolling:touch;border-top:2px solid var(--navy);border-bottom:1px solid var(--navy);background:#fff}
table{border-collapse:collapse;width:100%;min-width:560px;font-size:.95rem}caption{caption-side:top;text-align:left;font-weight:700;padding:14px 16px;color:var(--navy);font-size:.9rem;border-bottom:1px solid var(--line)}
th,td{padding:14px 16px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}tr:last-child>*{border-bottom:0}
thead th{font-size:.74rem;letter-spacing:.14em;color:var(--bronze-d);font-weight:700;background:transparent;white-space:nowrap}tbody th{color:var(--navy);font-weight:700;background:transparent}
/* faq */
.faq{counter-reset:q}.faq details{border-bottom:1px solid var(--line);counter-increment:q}.faq details:first-child{border-top:1px solid var(--navy)}.faq summary{list-style:none;cursor:pointer;padding:24px 44px 24px 56px;position:relative}.faq summary::-webkit-details-marker{display:none}
.faq summary::before{content:"Q" counter(q,decimal-leading-zero);position:absolute;left:0;top:27px;font-size:.76rem;letter-spacing:.14em;font-weight:700;color:var(--bronze-d)}
.faq summary h3{margin:0;font-size:1.1rem;font-weight:600;letter-spacing:-.02em}.faq summary::after{content:"";position:absolute;right:8px;top:34px;width:12px;height:12px;border-right:1.5px solid var(--navy);border-bottom:1.5px solid var(--navy);transform:rotate(45deg);transition:.2s}.faq details[open] summary::after{transform:rotate(-135deg);top:38px}
.faq details p{padding:0 44px 28px 56px;margin:0;color:#46505a}.faq-more{margin-top:28px}
/* cta */
.cta-band{background:var(--ink-d);color:#cdd2d6;padding:120px 0;border-top:1px solid var(--bronze)}.cta-band h2{color:var(--ivory);font-weight:200;font-size:clamp(2rem,5.6vw,4.8rem);letter-spacing:-.05em;line-height:1.12;margin-bottom:.5em}.cta-in{display:grid;grid-template-columns:1fr auto;gap:48px;align-items:end}.cta-band .lab{color:var(--bronze)}.cta-btns{display:flex;flex-direction:column;gap:12px;min-width:260px}
/* inner cover */
.crumb{padding:16px 0;font-size:.82rem;color:var(--stone)}.crumb ol{display:flex;flex-wrap:wrap;margin:0;padding:0;list-style:none}.crumb li+li::before{content:"/";margin:0 10px;color:#b9b4a6}.crumb a{color:var(--stone)}
.ph{background:var(--ink-d);color:#cdd2d6;padding:56px 0 64px}
.ph-meta{display:flex;gap:28px;font-size:.74rem;letter-spacing:.24em;font-weight:700;color:var(--bronze);margin-bottom:5vh;text-transform:uppercase}.ph-meta span:first-child{padding-right:28px;border-right:1px solid var(--line-d)}
.ph h1,.ph .eyebrow+h1{color:var(--ivory);font-size:clamp(2.8rem,9vw,8.4rem);letter-spacing:-.06em;line-height:1;margin:0 0 .5em;font-weight:200}
.ph-body{display:grid;grid-template-columns:minmax(0,7fr) minmax(0,5fr);gap:56px;align-items:end}.ph .ans{font-size:clamp(1.05rem,1.5vw,1.25rem);line-height:1.75;color:#e0dcd1;font-weight:300;margin:0;max-width:40em}.ph .ans strong{color:#fff;font-weight:700}
.facts{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:0 24px}.facts li{border-top:1px solid var(--line-d);padding:14px 0 18px}.facts span{display:block;font-size:.74rem;color:#98a1a8;letter-spacing:.1em}.facts b{display:block;color:var(--ivory);font-size:1.3rem;font-weight:600;font-variant-numeric:tabular-nums;letter-spacing:-.03em;line-height:1.35;margin-top:4px}
.ph>.wrap>.eyebrow{color:var(--bronze);margin-bottom:5vh}.ph>.wrap>.ans{font-size:1.2rem;color:#e0dcd1;font-weight:300;max-width:42em}
/* chapter bar */
.toc{position:sticky;top:var(--hd);z-index:40;background:var(--ivory);border-bottom:1px solid var(--line)}.toc ol{display:flex;gap:4px 26px;margin:0;padding:0;list-style:none;overflow-x:auto;white-space:nowrap;scrollbar-width:none}.toc a{display:block;padding:15px 0;font-size:.86rem;font-weight:600;text-decoration:none;color:var(--stone);border-bottom:2px solid transparent}.toc a:hover{color:var(--navy);border-color:var(--bronze)}
/* report layout */
.doc,.bands{padding:24px 0 96px}.doc article>section,.bands>section>.wrap.band-in{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:0 72px;padding:56px 0;border-top:1px solid var(--line)}
.doc article>section:first-child,.bands>section:first-child>.wrap.band-in{border-top:0}
.doc article>section>h2{grid-column:1;grid-row:1/span 40;position:sticky;top:calc(var(--hd) + 64px);align-self:start;font-weight:300;letter-spacing:-.04em;font-size:clamp(1.4rem,2.2vw,1.9rem);margin:0}
.doc article>section>*:not(h2){grid-column:2;min-width:0}.doc article>section>*:not(h2):first-of-type,.doc article>section>h2+*{margin-top:0}
.doc article>aside,.doc article>nav,.doc article>p.stamp{margin-left:calc((100% - 72px)/3 + 72px)}
.bands>section{padding:0;border-top:1px solid var(--line)}.bands>section:first-child{border-top:0}.bands>section:nth-child(even){background:transparent}
.band-in{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:72px;padding:56px 0}.bands .band-in>:first-child h2{position:sticky;top:calc(var(--hd) + 24px);font-weight:300;font-size:clamp(1.4rem,2.2vw,1.9rem);margin:0}
.bands>section>.wrap:not(.band-in){padding:56px 0}
.bands>section>.wrap>h2:first-child{font-weight:300}
/* flat pages: h2 in margin */
.flat{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:0 72px;padding:72px 0 96px;align-content:start}
.flat>h2{grid-column:1;font-weight:300;font-size:clamp(1.4rem,2.2vw,1.9rem);letter-spacing:-.04em;border-top:1px solid var(--line);padding-top:48px;margin:0!important;position:relative}
.flat>*:not(h2){grid-column:2;min-width:0}.flat>h2+*{border-top:1px solid var(--line);padding-top:48px;margin-top:0}
.flat>*:not(h2):not(h2+*){margin-bottom:0}.flat>*:nth-child(2){border-top:0}
.flat>.sources,.flat>.related,.flat>.stamp,.flat>.faq{grid-column:2}.flat>h2:first-child{border-top:0}.flat>h2+*{margin-bottom:48px}
.sources{border-top:1px solid var(--navy);padding-top:22px;margin:56px 0 24px}.sources h2{font-size:1rem;font-weight:700;margin-bottom:.6em}.sources ul{padding-left:1.1em}.sources li{font-size:.94rem}
.related h2{font-size:1rem;font-weight:700}.related ul{display:flex;flex-wrap:wrap;gap:10px 12px;list-style:none;padding:0}.related a{display:inline-block;padding:9px 16px;border:1px solid var(--navy);text-decoration:none;font-weight:600;font-size:.9rem}.related a:hover{background:var(--navy);color:#fff}
.stamp{font-size:.82rem;color:var(--stone);margin-top:32px}
.doc h2+p,.band-in p{margin-top:0}
.fig{margin:0 0 1.5em}.fig img{width:100%;height:auto}.fig figcaption{font-size:.84rem;color:var(--stone);margin-top:8px}
.persons{display:grid;grid-template-columns:minmax(0,280px) minmax(0,1fr);gap:48px;align-items:start}.gal{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.persons figure,.gal figure{margin:0}
.cards{display:block;border-top:1px solid var(--navy)}.card{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.5fr) auto;gap:20px;align-items:baseline;padding:24px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink)}.card:hover{background:rgba(168,141,104,.1)}.card h3{margin:0}.card p{margin:0;font-size:.95rem}.card em{font-style:normal;color:var(--bronze-d);font-weight:700}.card em::after{content:" →"}.card i{display:none}
.branches{display:grid;grid-template-columns:repeat(4,1fr);list-style:none;margin:0;padding:0;border-top:2px solid var(--navy)}.branches li{padding:20px 18px 22px 0;border-bottom:1px solid var(--line)}.branches li+li{padding-left:18px;border-left:1px solid var(--line)}.branches b{display:block;color:var(--navy)}.branches span{font-size:.88rem;color:var(--stone)}
.cats{display:grid;grid-template-columns:repeat(2,1fr);gap:0 40px;list-style:none;padding:0;margin:0 0 1.5em;border-top:1px solid var(--navy)}.cats a{display:flex;justify-content:space-between;padding:20px 0;border-bottom:1px solid var(--line);text-decoration:none;font-weight:600;font-size:1.05rem}.cats a::after{content:"→";color:var(--bronze-d)}.cats a:hover{padding-left:10px;background:rgba(168,141,104,.1)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
/* consult / privacy plain */
.page-in{padding:72px 0 96px}.page-in section{margin-bottom:64px}.page-in h2{font-weight:300;border-top:1px solid var(--navy);padding-top:24px}
/* calculator */
.calc{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:72px;align-items:start;padding:72px 0 24px}.calc form{display:grid;gap:22px}.calc label{display:block;font-weight:700;font-size:.84rem;letter-spacing:.04em;color:var(--navy)}
.calc input,.calc select{width:100%;margin-top:4px;padding:12px 0;border:0;border-bottom:1px solid #b7b19f;background:transparent;font:500 1.1rem SUIT,sans-serif;color:var(--ink);min-height:48px;border-radius:0}.calc input:focus,.calc select:focus{outline:0;border-color:var(--navy);box-shadow:0 1px 0 var(--navy)}.calc .row{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.result{background:var(--ink-d);color:#d7d3c8;padding:36px;position:sticky;top:calc(var(--hd) + 24px)}.result h3{color:var(--ivory);font-weight:300;font-size:1.5rem}.result dl{margin:0}.result dl div{display:flex;justify-content:space-between;gap:12px;padding:11px 0;border-bottom:1px solid var(--line-d)}.result dt{color:#a8b0b6}.result dd{margin:0;font-weight:700;text-align:right;font-variant-numeric:tabular-nums}.result .tot dd{color:var(--bronze);font-size:1.35rem}
.result .msg{background:rgba(255,255,255,.07);padding:14px;margin:0 0 14px;font-size:.93rem}.result .warn{background:#5b4a31}
/* footer */
.ft{background:var(--ink-d);color:#b2b9be;padding:88px 0 40px;font-size:.92rem;border-top:1px solid var(--bronze)}.ft a{color:#e9e5db}.ft a:hover{color:var(--bronze)}
.ft-mark{font-size:clamp(3rem,13vw,11rem);font-weight:200;letter-spacing:-.07em;line-height:.95;color:rgba(245,242,234,.92);margin:0 0 64px;white-space:nowrap}
.ft-cols{display:grid;grid-template-columns:1.1fr 1.4fr .8fr;gap:48px;border-top:1px solid var(--line-d);padding-top:36px}.ft .lab{color:var(--bronze)}.ft address{font-style:normal}.ft address p{margin:0 0 6px}.ft-name{color:#fff;font-weight:800;font-size:1.1rem}
.ft-nav{list-style:none;margin:0;padding:0}.ft-nav li{padding:5px 0}.ft-copy{font-size:.8rem;color:#8a949b;margin:56px 0 0}
/* responsive */
@media(max-width:1000px){
 .idx-in,.mg,.head-row,.brand,.ph-body,.cta-in,.split,.calc,.flat,.persons,.band-in,.doc article>section,.bands>section>.wrap.band-in{grid-template-columns:minmax(0,1fr)!important;gap:28px}
 .mg-h,.result,.bands .band-in>:first-child h2,.doc article>section>h2{position:static}.doc article>section>h2,.doc article>section>*:not(h2),.flat>h2,.flat>*:not(h2){grid-column:1;grid-row:auto}.doc article>section>h2{margin-bottom:.4em}.doc article>aside,.doc article>nav,.doc article>p.stamp{margin-left:0}
 .flat>h2{padding-top:36px}.flat>h2+*{padding-top:0;border-top:0;margin-bottom:36px}.flat{padding:48px 0 64px}
 .idx-list{columns:1}.sec{padding:72px 0}.hero-mid{grid-template-columns:1fr;gap:28px}.ruler{grid-template-columns:1fr 1fr}.ruler a:nth-child(3){padding-left:0;border-left:0}.ruler a:nth-child(n+3){border-top:1px solid var(--line-d)}.ruler a:nth-child(3)::before{left:0}
 .rows a{grid-template-columns:40px 1fr 24px}.rows a p{grid-column:2/3;grid-row:2}.rows a em{grid-row:1;grid-column:3}.rows--sm a{grid-template-columns:40px 1fr}.rows--sm a p,.rows--sm a em{grid-column:2;grid-row:auto;text-align:left}
 .nums{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr;gap:32px}.yt{grid-template-columns:1fr}.yt-main{grid-row:auto}.facts{grid-template-columns:1fr 1fr}.cta-btns{min-width:0;flex-direction:row;flex-wrap:wrap}.ft-cols{grid-template-columns:1fr}
 .cards .card{grid-template-columns:1fr}.branches{grid-template-columns:1fr 1fr}.branches li:nth-child(3){padding-left:0;border-left:0}.cats{grid-template-columns:1fr}.brand-img{max-width:420px}.persons .fig{max-width:300px}}
@media(max-width:640px){body{font-size:16px}.wrap{width:calc(100% - 40px)}.top-cta{display:none}.logo i{display:none}.sec{padding:56px 0}.nums,.steps,.branches,.gal,.facts{grid-template-columns:1fr}.branches li+li{padding-left:0;border-left:0}.hero h1{letter-spacing:-.07em}.hero-top{margin-bottom:3vh}.btn{width:100%}.hero-btns{flex-direction:column;align-items:stretch;gap:8px}.cta-btns{flex-direction:column}.cta-band{padding:72px 0}.faq summary{padding:20px 34px 20px 0}.faq summary::before{position:static;display:block;margin-bottom:6px}.faq details p{padding:0 0 24px}.faq summary::after{top:28px}.calc .row{grid-template-columns:1fr}.result{padding:24px}.ph{padding:36px 0 44px}.ph-meta{gap:16px}.ph-meta span:first-child{padding-right:16px}.calc-flow{padding:4px 18px}.ruler a{padding-right:12px}.ruler a+a{padding-left:16px}.yt a{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
.eyebrow{font-size:.74rem;letter-spacing:.24em;font-weight:700;color:var(--bronze-d);margin:0 0 1.2rem;text-transform:uppercase}
.flow{list-style:none;margin:28px 0 0;padding:0;display:grid;grid-template-columns:repeat(5,1fr);gap:0 28px;counter-reset:f}.flow li{counter-increment:f;border-top:1px solid var(--navy);padding-top:22px;position:relative}.flow li::before{content:"0" counter(f);display:block;color:var(--bronze-d);font-size:.78rem;letter-spacing:.18em;font-weight:700;margin-bottom:8px}.flow h3{margin-bottom:.4em}.flow ul{padding-left:1.1em;margin:0 0 10px;font-size:.92rem;color:#5a646d}
@media(max-width:1000px){.flow{grid-template-columns:1fr 1fr;gap:28px}}@media(max-width:640px){.flow{grid-template-columns:1fr}}
.mg>*,.band-in>*,.brand>*,.head-row>*,.split>*,.calc>*,.ph-body>*,.cta-in>*{min-width:0}
.expert{padding:88px 0}.expert-in{display:grid;grid-template-columns:minmax(0,300px) minmax(0,1fr);gap:72px;align-items:center;border-top:1px solid var(--navy);border-bottom:1px solid var(--line);padding:56px 0}.expert-ph{margin:0}.expert-ph img{width:100%;height:auto;filter:saturate(.9)}.expert h2{font-weight:300;font-size:clamp(2rem,4vw,3.4rem);letter-spacing:-.05em;margin-bottom:.3em}.expert-p{font-size:1.1rem;max-width:30em}
@media(max-width:1000px){.expert{padding:56px 0}.expert-in{grid-template-columns:minmax(0,1fr);gap:28px}.expert-ph{max-width:260px}}
.tool{padding:72px 0}.tool-in{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:56px;align-items:center}.tool h2{font-weight:300;font-size:clamp(1.7rem,3vw,2.6rem);letter-spacing:-.04em}.tool-p{max-width:34em;color:#566069}.tool-btns{display:flex;flex-direction:column;gap:6px;min-width:260px}
@media(max-width:1000px){.tool-in{grid-template-columns:minmax(0,1fr);gap:24px}.tool-btns{min-width:0}}
.sec--tight{padding:80px 0}@media(max-width:1000px){.sec--tight{padding:56px 0}}
.flat>.persons{grid-column:1/-1;border-top:0;padding-top:0;margin-bottom:24px;grid-template-columns:minmax(0,340px) minmax(0,1fr);gap:72px}
.flat>.persons h2{font-weight:300;font-size:clamp(1.5rem,2.4vw,2rem);letter-spacing:-.04em;margin:0 0 .6em}.flat>.persons h2:not(:first-child){margin-top:1.6em}
@media(max-width:1000px){.flat>.persons{grid-template-columns:minmax(0,1fr);gap:28px}}
.brand--solo{grid-template-columns:minmax(0,760px)!important}.split--one{grid-template-columns:minmax(0,1fr)!important}
.mt{position:fixed;left:50%;bottom:24px;transform:translateX(-50%);z-index:90;background:var(--ink-d);color:#e9e5db;padding:20px 24px;width:min(560px,calc(100% - 32px));box-shadow:0 12px 40px rgba(0,0,0,.35);border-top:2px solid var(--bronze)}.mt p{margin:0 0 12px;font-weight:700}.mt small{font-weight:400;color:#a8b0b6}.mt div{display:flex;gap:10px;flex-wrap:wrap;align-items:center}.mt .btn{width:auto}.mt-x{margin-left:auto;background:none;border:0;color:#a8b0b6;font-size:1.6rem;cursor:pointer;line-height:1;padding:6px 10px}
.team{list-style:none;margin:20px 0 0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:24px}.team figure{margin:0 0 12px;aspect-ratio:4/5;overflow:hidden;background:#e4e0d4}.team img{width:100%;height:100%;object-fit:cover;object-position:center 15%}.team b{display:block;color:var(--navy);font-size:1.05rem}.team span{font-size:.88rem;color:var(--stone)}
@media(max-width:1000px){.team{grid-template-columns:repeat(2,1fr)}}
.flat>.persons{align-items:stretch;grid-template-columns:minmax(0,360px) minmax(0,1fr)}
.flat>.persons .fig{display:flex;flex-direction:column;margin:0;min-height:0}.flat>.persons .fig picture{flex:1;min-height:0;display:block;overflow:hidden;background:#e4e0d4}.flat>.persons .fig img{width:100%;height:100%;object-fit:cover;object-position:center top}.flat>.persons .fig figcaption{padding-top:10px}
.flat>.persons .tbl{margin-top:.6em}
@media(max-width:1000px){.flat>.persons .fig picture{flex:none}.flat>.persons .fig img{height:auto}.flat>.persons .fig{max-width:300px}}
@media(max-width:1000px){.flat>.persons{grid-template-columns:minmax(0,1fr)!important;gap:28px}}
@media(max-width:1000px){.flat>*{grid-column:1!important;grid-row:auto!important}}
@media(max-width:640px){.steps{grid-template-columns:minmax(0,1fr)!important}}
.flat>.persons{grid-template-columns:minmax(0,220px) minmax(0,1fr);gap:48px;align-items:start}
.flat>.persons .fig{display:block}.flat>.persons .fig picture{display:block;aspect-ratio:3/4;flex:none}.flat>.persons .fig img{height:100%;width:100%;object-fit:cover;object-position:center top}
.flat>.persons h2{margin-top:0}.flat>.persons p{max-width:36em}
@media(max-width:1000px){.flat>.persons{grid-template-columns:minmax(0,200px) minmax(0,1fr)!important;gap:28px}.flat>.persons .fig{max-width:none}}
@media(max-width:640px){.flat>.persons{grid-template-columns:minmax(0,1fr)!important}.flat>.persons .fig{max-width:200px}}
.flat>.persons{grid-template-columns:minmax(0,260px) minmax(0,1fr);gap:56px}.flat>.persons .tbl{margin-top:1.6em}.flat>.persons caption{font-size:.8rem;letter-spacing:.14em;color:var(--bronze-d)}
@media(max-width:1000px){.flat>.persons{grid-template-columns:minmax(0,220px) minmax(0,1fr)!important;gap:28px}}
@media(max-width:700px){.flat>.persons{grid-template-columns:minmax(0,1fr)!important}.flat>.persons .fig{max-width:220px}}
@media(min-width:1001px){.flat>.persons{grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:72px}.flat>.persons .fig{max-width:260px}}
.checks li{line-height:30px;padding:13px 0 13px 30px}.checks li::before{left:0;top:27px;width:14px;height:2px;background:var(--bronze-d)}
.checks li{line-height:30px;padding:14px 0 15px 30px}.checks li::before{top:28px;height:2px}
.firm-p{font-size:clamp(1.1rem,1.8vw,1.4rem);font-weight:300;color:var(--ivory);line-height:1.7;margin-bottom:36px}
.pair{list-style:none;margin:0 0 40px;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:0 36px}.pair li{border-top:1px solid var(--line-d);padding:20px 0 28px;color:#d7d3c8}.pair i{display:block;font-style:normal;color:var(--bronze);font-size:.78rem;letter-spacing:.18em;font-weight:700;margin-bottom:8px}
@media(max-width:640px){.pair{grid-template-columns:1fr}}
.mg-h .btn{margin-top:12px}.pair{margin-bottom:0;grid-template-columns:repeat(2,minmax(0,1fr))}
@media(max-width:640px){.pair{grid-template-columns:minmax(0,1fr)}}
@media(min-width:1001px){.firm .mg{align-items:stretch}.firm .mg-h{position:static;display:flex;flex-direction:column;align-self:stretch}.firm .mg-h .btn{margin-top:auto;align-self:flex-start}.firm .mg-h h2{margin-bottom:40px}
.firm .mg-b{display:flex;flex-direction:column;justify-content:space-between;padding-top:40px}.firm .firm-p{margin-bottom:40px}.firm .pair li{padding-bottom:0}.firm .pair{margin:0}}
.sticky-h{display:none}
@media(max-width:1000px){.sticky-h:not([hidden]){display:block;position:fixed;left:0;right:0;z-index:45;background:rgba(245,242,234,.97);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);border-left:3px solid var(--bronze);padding:11px 20px 11px 17px;font-weight:700;font-size:.94rem;line-height:1.35;color:var(--navy);letter-spacing:-.02em}}
@media(max-width:640px){.hero-btns{flex-direction:row!important;flex-wrap:nowrap;align-items:center;gap:6px 14px}.hero-btns .btn{width:auto!important;flex:0 0 auto;padding:14px 16px;font-size:.9rem;min-height:48px;white-space:nowrap}.hero-btns .lnk-l{font-size:.9rem;white-space:nowrap;padding:12px 0 4px}}
@media(max-width:350px){.hero-btns .btn{padding:14px 11px;font-size:.84rem}.hero-btns .lnk-l{font-size:.84rem}}
/* ===== 모바일: 표는 카드형(가로 스크롤 없음) + 세로 길이 압축 ===== */
@media(max-width:640px){
 .tbl{border:0;background:transparent;overflow:visible;margin:1em 0}
 .tbl table,.tbl tbody,.tbl tr,.tbl th,.tbl td,.tbl caption{display:block;min-width:0;width:100%}
 .tbl table{min-width:0}
 .tbl thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
 .tbl caption{padding:0 0 10px;border:0;font-size:.86rem}
 .tbl tr{background:#fff;border-top:2px solid var(--navy);margin-bottom:10px;padding:4px 0 8px}
 .tbl tbody th{padding:12px 16px 4px;border:0;font-size:1.02rem}
 .tbl td{display:grid;grid-template-columns:minmax(0,34%) minmax(0,1fr);gap:10px;padding:6px 16px;border:0;font-size:.92rem;line-height:1.6}
 .tbl td::before{content:attr(data-label);color:var(--bronze-d);font-size:.76rem;font-weight:700;letter-spacing:.04em;padding-top:2px}
 .tbl td[data-label=""]::before{content:none}
 .sec{padding:48px 0}.sec--tight{padding:44px 0}.head-row{margin-bottom:28px;gap:14px}.mg{gap:22px}
 .rows{margin-bottom:32px}.rows a{padding:18px 0;gap:4px 14px}.rows h3{font-size:1.15rem}.rows p{font-size:.9rem;line-height:1.6}.rows--sm a{padding:16px 0}.rows--sm em{font-size:.82rem}
 .nums li{padding:14px 0 16px}.steps{gap:22px}.cta-band{padding:56px 0}.ft{padding:56px 0 32px}.ft-mark{margin-bottom:32px}.ft-copy{margin-top:32px}
 .expert{padding:40px 0}.expert-in{padding:32px 0}.tool{padding:44px 0}.faq summary{padding-top:16px;padding-bottom:16px}
}
@media(max-width:640px){.hero-top{gap:10px;justify-content:space-between;align-items:center;flex-wrap:nowrap}.hero-top .lab{margin:0;white-space:nowrap;font-size:.64rem;letter-spacing:.12em;gap:0}.hero-top .lab::before{display:none}}
@media(max-width:350px){.hero-top .lab{font-size:.58rem;letter-spacing:.08em}}
/* 표를 데스크톱 형태 그대로 유지하되 모바일 폭에 맞춰 압축 (가로 스크롤 없음) */
@media(max-width:640px){
 .tbl.tbl--fit{border-top:2px solid var(--navy);border-bottom:1px solid var(--navy);background:#fff;overflow:visible}
 .tbl.tbl--fit table{display:table;width:100%;min-width:0;table-layout:fixed;font-size:.78rem;line-height:1.5}
 .tbl.tbl--fit caption{display:table-caption;padding:10px 8px;border-bottom:1px solid var(--line);font-size:.78rem;line-height:1.45}
 .tbl.tbl--fit thead{display:table-header-group;position:static;width:auto;height:auto;clip:auto;overflow:visible}
 .tbl.tbl--fit tbody{display:table-row-group}
 .tbl.tbl--fit tr{display:table-row;background:none;border:0;margin:0;padding:0}
 .tbl.tbl--fit th,.tbl.tbl--fit td{display:table-cell;width:auto;padding:10px 6px;border-bottom:1px solid var(--line);border-top:0;vertical-align:top;font-size:.78rem;word-break:keep-all}
 .tbl.tbl--fit tr:last-child>*{border-bottom:0}
 .tbl.tbl--fit td::before{content:none!important}
 .tbl.tbl--fit thead th{font-size:.68rem;letter-spacing:0;white-space:normal;line-height:1.35;padding:9px 6px}
 .tbl.tbl--fit tbody th{font-size:.82rem;padding:10px 6px 10px 8px}
 .tbl.tbl--fit th:first-child,.tbl.tbl--fit td:first-child{width:15%}
}
/* EXPERT: 대표 사진 축소 + 모바일에서도 좌(사진)·우(텍스트) 배열 유지 */
.expert-in{grid-template-columns:minmax(0,240px) minmax(0,1fr)!important;gap:56px}
.expert-ph{max-width:none!important}
@media(max-width:1000px){.expert-in{grid-template-columns:minmax(0,180px) minmax(0,1fr)!important;gap:32px;align-items:center}}
@media(max-width:640px){.expert{padding:36px 0}.expert-in{grid-template-columns:minmax(0,104px) minmax(0,1fr)!important;gap:16px;padding:24px 0;align-items:center}
 .expert h2{font-size:1.5rem;margin-bottom:.25em;letter-spacing:-.04em}.expert-p{font-size:.9rem;line-height:1.55;margin-bottom:.6em}.expert .small{font-size:.76rem;line-height:1.5;margin-bottom:.9em}
 .expert .lab{margin-bottom:.6rem;font-size:.66rem}.expert .btn{width:auto;padding:11px 14px;min-height:44px;font-size:.84rem;white-space:nowrap}}
@media(max-width:350px){.expert-in{grid-template-columns:minmax(0,88px) minmax(0,1fr)!important;gap:12px}.expert h2{font-size:1.3rem}}
@media(max-width:1000px){.sticky-h:not([hidden]){border-left:0;backdrop-filter:none;padding:10px 20px 12px;border-bottom:1px solid rgba(128,128,128,.28);font-family:inherit}}