@import url("https://cdn.jsdelivr.net/gh/orioncactus/pretendard/dist/web/variable/pretendardvariable-dynamic-subset.css");:root{--brand:#2563eb;--brand-strong:#1d4ed8;--brand-ink:#0b2a6b;--brand-soft:#eff5ff;--brand-soft-2:#dbe8ff;--ink:#101828;--sub:#5b6472;--muted:#8b93a1;--line:#e7eaf0;--line-strong:#d3d8e2;--bg:#f6f8fc;--card:#fff;--success:#0f9d63;--success-soft:#e7f6ee;--warning:#b45309;--warning-soft:#fef3e2;--danger:#d92d20;--radius-sm:8px;--radius:12px;--radius-lg:18px;--shadow-sm:0 1px 2px rgba(16,24,40,.04),0 1px 3px rgba(16,24,40,.06);--shadow:0 2px 6px rgba(16,24,40,.05),0 8px 24px rgba(16,24,40,.06);--shadow-lg:0 10px 40px rgba(16,24,40,.1);--ring:0 0 0 4px rgba(37,99,235,.14);--container:1080px;--font:"Pretendard Variable",Pretendard,-apple-system,"Apple SD Gothic Neo","Malgun Gothic",Roboto,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased;letter-spacing:-.01em}a{color:inherit;text-decoration:none}h1,h2,h3{letter-spacing:-.02em;line-height:1.25}p{margin:0}.container{max-width:var(--container);margin:0 auto;padding:0 20px}.section-pad{padding:56px 0}.narrow{max-width:760px}header.site{position:-webkit-sticky;position:sticky;top:0;z-index:50;background:hsla(0,0%,100%,.85);-webkit-backdrop-filter:saturate(180%) blur(12px);backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid var(--line)}header.site .bar{justify-content:space-between;height:64px;gap:20px}.logo,header.site .bar{display:flex;align-items:center}.logo{font-weight:800;font-size:19px;gap:8px}.logo .mark{width:28px;height:28px;border-radius:8px;background:linear-gradient(135deg,var(--brand),#4f86ff);display:inline-flex;align-items:center;justify-content:center;color:#fff;font-size:15px;box-shadow:var(--shadow-sm)}.logo small{color:var(--muted);font-weight:500;font-size:12px}nav.main{display:flex;gap:4px;align-items:center}nav.main a{font-size:14.5px;font-weight:600;color:var(--sub);padding:8px 12px;border-radius:8px;transition:all .15s}nav.main a:hover{color:var(--ink);background:var(--brand-soft)}nav.main a.active{color:var(--brand-strong);background:var(--brand-soft)}.nav-toggle{display:none;background:none;border:1px solid var(--line-strong);border-radius:8px;width:40px;height:40px;font-size:18px;cursor:pointer;color:var(--ink);align-items:center;justify-content:center}.mobile-menu{position:absolute;top:64px;left:0;right:0;z-index:49;background:#fff;box-shadow:var(--shadow);display:flex;flex-direction:column;padding:8px 20px 16px}.mobile-menu,.mobile-menu a{border-bottom:1px solid var(--line)}.mobile-menu a{padding:13px 8px;font-size:16px;font-weight:600;color:var(--sub)}.mobile-menu a.active{color:var(--brand-strong)}.mobile-menu a:last-child{border-bottom:none}.mobile-menu .mm-search{color:var(--brand-strong);font-weight:700}@keyframes skpulse{0%,to{opacity:1}50%{opacity:.45}}.sk{background:var(--line);animation:skpulse 1.2s ease-in-out infinite}.hdr-icon,.sk{border-radius:8px}.hdr-icon{font-size:18px;padding:6px 8px}.hdr-icon:hover{background:var(--brand-soft)}@media (max-width:820px){.hdr-icon{display:none}}@media (max-width:640px){.clock{display:none!important}}.left-group{display:flex;align-items:center;gap:14px}@media (max-width:640px){.left-group{gap:8px}}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;width:100%;padding:13px 20px;font-size:15px;font-weight:700;font-family:var(--font);color:#fff;background:var(--brand);border:none;border-radius:var(--radius-sm);cursor:pointer;transition:all .15s;box-shadow:var(--shadow-sm)}.btn:hover{background:var(--brand-strong);transform:translateY(-1px);box-shadow:var(--shadow)}.btn:active{transform:translateY(0)}.btn-ghost{display:inline-flex;align-items:center;gap:6px;width:auto;padding:11px 18px;font-size:14.5px;font-weight:700;color:var(--brand-strong);background:#fff;border:1px solid var(--brand-soft-2);border-radius:var(--radius-sm);cursor:pointer;transition:all .15s}.btn-ghost:hover{background:var(--brand-soft);border-color:var(--brand)}.chips{display:flex;gap:10px;flex-wrap:wrap}.chip{display:inline-flex;align-items:center;gap:6px;background:#fff;border:1px solid var(--line-strong);border-radius:999px;padding:9px 16px;font-size:14px;font-weight:600;color:var(--ink);transition:all .15s;box-shadow:var(--shadow-sm);font-family:var(--font);cursor:pointer}.chip:hover{border-color:var(--brand);color:var(--brand-strong);transform:translateY(-1px)}.badge{display:inline-flex;align-items:center;gap:4px;font-size:12px;font-weight:700;padding:3px 9px;border-radius:999px}.badge.blue{background:var(--brand-soft);color:var(--brand-strong)}.badge.green{background:var(--success-soft);color:var(--success)}.badge.amber{background:var(--warning-soft);color:var(--warning)}.badge.gray{background:#f1f3f7;color:var(--sub)}.hero{position:relative;overflow:hidden;background:radial-gradient(1200px 400px at 15% -20%,var(--brand-soft-2),transparent 60%),linear-gradient(180deg,var(--brand-soft),#fff);border-bottom:1px solid var(--line);padding:72px 0 60px}.hero h1{font-size:40px;font-weight:800;margin:0 0 14px}.hero h1 .accent{color:var(--brand)}.hero p.lead{font-size:18px;color:var(--sub);max-width:620px}.hero .chips{margin-top:26px}.hero-inner{display:flex;align-items:center;justify-content:space-between;gap:48px}.hero-text{flex:1 1;min-width:0}.hero-clock{flex-shrink:0;width:300px;background:linear-gradient(150deg,var(--brand-ink),var(--brand-strong));color:#fff;border-radius:var(--radius-lg);padding:30px 32px;box-shadow:0 18px 44px rgba(29,78,216,.28)}.hero-clock .hc-top{display:flex;align-items:center;gap:7px;font-size:13px;font-weight:700;opacity:.85}.hero-clock .hc-dot{width:8px;height:8px;border-radius:50%;background:#34e39b;box-shadow:0 0 0 4px rgba(52,227,155,.25)}.hero-clock .hc-time{font-size:46px;font-weight:800;letter-spacing:.02em;margin:14px 0 6px;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;font-family:ui-monospace,SFMono-Regular,Menlo,Courier New,monospace}.hero-clock .hc-date{font-size:15px;font-weight:600;opacity:.92}.hero-clock .hc-greet{margin-top:16px;padding-top:14px;border-top:1px solid hsla(0,0%,100%,.18);font-size:14.5px;font-weight:600}@media (max-width:900px){.hero-inner{flex-direction:column;align-items:stretch;gap:28px}.hero-clock{width:100%}}.stats{display:flex;gap:32px;margin-top:34px;flex-wrap:wrap}.stat .num{font-size:26px;font-weight:800;color:var(--brand-ink)}.stat .lbl{font-size:13px;color:var(--sub);margin-top:2px}.section-head{margin-bottom:22px}.section-head .eyebrow{font-size:13px;font-weight:700;color:var(--brand);letter-spacing:.02em}.section-head h2{font-size:26px;font-weight:800;margin:6px 0}.section-head p{color:var(--sub);font-size:15px}h2.section{font-size:14px;color:var(--sub);font-weight:700;margin:26px 0 10px;letter-spacing:.01em}.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));grid-gap:16px;gap:16px}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-2{grid-template-columns:repeat(2,1fr)}.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;transition:all .18s;box-shadow:var(--shadow-sm);display:block}a.card:hover{border-color:var(--brand-soft-2);box-shadow:var(--shadow);transform:translateY(-2px)}.card .ico{width:44px;height:44px;border-radius:12px;background:var(--brand-soft);display:inline-flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:14px}.card h3{margin:0 0 6px;font-size:17px;font-weight:700}.card p{color:var(--sub);font-size:14px}.card .arrow{color:var(--brand);font-weight:700;font-size:14px;margin-top:12px;display:inline-block}.steps{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:18px;gap:18px;counter-reset:step}.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;position:relative;box-shadow:var(--shadow-sm)}.step .n{width:34px;height:34px;border-radius:999px;background:var(--brand);color:#fff;font-weight:800;display:inline-flex;align-items:center;justify-content:center;margin-bottom:12px}.step h4{margin:0 0 6px;font-size:16px}.step p{color:var(--sub);font-size:14px}.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-sm)}.field{margin-bottom:18px}.field label{display:block;font-size:13.5px;font-weight:700;margin-bottom:7px}.field input,.field select{width:100%;padding:12px 14px;font-size:15px;font-family:var(--font);border:1px solid var(--line-strong);border-radius:var(--radius-sm);background:#fff;color:var(--ink);transition:all .15s}.field input:focus,.field select:focus{outline:none;border-color:var(--brand);box-shadow:var(--ring)}.hint{font-size:12.5px;color:var(--muted);margin-top:8px}.calc-wrap{display:grid;grid-template-columns:340px 1fr;grid-gap:24px;gap:24px;margin:24px 0;align-items:start}.total{border:none;border-radius:var(--radius);background:linear-gradient(135deg,var(--brand),#4f86ff);color:#fff;padding:26px;text-align:center;margin-bottom:18px;box-shadow:var(--shadow)}.total .lbl{font-size:13px;opacity:.9}.total .amt{font-size:34px;font-weight:800;margin-top:6px}.total .amt small{font-size:13px;font-weight:500;opacity:.9;display:block;margin-top:6px}table{width:100%;border-collapse:collapse;font-size:14px;overflow:hidden;border-radius:var(--radius-sm)}thead th{background:#f7f9fc;color:var(--sub);font-weight:700;font-size:12.5px}td,th{border-bottom:1px solid var(--line);padding:12px 14px;text-align:left}tbody tr:last-child td{border-bottom:none}tbody tr:hover{background:#fbfcfe}.foot-note{font-size:12.5px;color:var(--sub);margin-top:16px;padding:12px 14px;background:#f7f9fc;line-height:1.5}.faq details,.foot-note{border:1px solid var(--line);border-radius:var(--radius-sm)}.faq details{background:#fff;padding:4px 18px;margin-bottom:10px;box-shadow:var(--shadow-sm)}.faq summary{cursor:pointer;font-weight:700;padding:14px 0;list-style:none;font-size:15px}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";float:right;color:var(--brand);font-weight:800}.faq details[open] summary:after{content:"−"}.faq p{color:var(--sub);font-size:14px;padding:0 0 16px}.cta-band{background:linear-gradient(135deg,var(--brand-ink),var(--brand-strong));color:#fff;border-radius:var(--radius-lg);padding:44px;text-align:center;box-shadow:var(--shadow)}.cta-band h2{font-size:26px;margin:0 0 8px}.cta-band p{opacity:.9;margin-bottom:22px}.cta-band .btn-ghost{background:#fff;border-color:#fff}.article{max-width:720px;margin:0 auto}.article h1{font-size:32px;margin:8px 0 12px}.article .meta{color:var(--muted);font-size:13px;margin-bottom:28px}.article h2{font-size:21px;margin:32px 0 12px}.article h3{font-size:17px;margin:24px 0 8px}.article p{font-size:16px;line-height:1.8}.article p,.article ul{margin:0 0 16px;color:#2b3444}.article ul{padding-left:20px}.article li{margin-bottom:8px;line-height:1.7}.article blockquote{border-left:3px solid var(--brand);background:var(--brand-soft);margin:20px 0;padding:14px 18px;border-radius:0 8px 8px 0;color:var(--brand-ink);font-size:15px}footer.site{border-top:1px solid var(--line);background:#fff;margin-top:64px}footer.site .cols{display:grid;grid-template-columns:1.5fr 1fr 1fr .8fr .8fr;grid-gap:28px;gap:28px;padding:44px 0 28px}footer.site .foot-brand{grid-column:auto}@media (max-width:900px){footer.site .cols{grid-template-columns:1fr 1fr}footer.site .foot-brand{grid-column:1/-1}}footer.site h5{font-size:13px;color:var(--muted);margin:0 0 14px;font-weight:700}footer.site a{display:block;color:var(--sub);font-size:14px;padding:5px 0}footer.site a:hover{color:var(--brand-strong)}footer.site .bottom{border-top:1px solid var(--line);padding:18px 0;color:var(--muted);font-size:12.5px}@media (max-width:820px){.hero h1{font-size:30px}.hero p.lead{font-size:16px}.calc-wrap,.grid-2,.grid-3,.steps,footer.site .cols{grid-template-columns:1fr}nav.main{display:none}.nav-toggle{display:flex}header.site .bar .btn-ghost{display:none}.section-pad{padding:40px 0}.cta-band{padding:32px 20px}}@media (min-width:821px){.mobile-menu,.nav-toggle{display:none}}