:root{--primary:#0b3d91;--secondary:#1e88e5;--accent:#ffb400;--dark:#1a1a2e;--light-bg:#f5f7fa;--text:#333;--border:#e0e0e0;}
*{box-sizing:border-box;margin:0;padding:0;}
body{font-family:'Segoe UI',Arial,sans-serif;color:var(--text);line-height:1.7;}
a{color:inherit;} img{max-width:100%;}

/* Header */
.site-header{background:var(--primary);position:sticky;top:0;z-index:1000;box-shadow:0 2px 8px rgba(0,0,0,.1);}
.header-inner{display:flex;align-items:center;justify-content:space-between;max-width:1280px;margin:0 auto;padding:0 20px;}
.logo{color:#fff;font-size:1.4rem;font-weight:700;text-decoration:none;padding:18px 0;}
.main-nav ul{display:flex;list-style:none;}
.main-nav > ul > li{position:relative;}
.main-nav > ul > li > a{display:block;padding:22px 16px;color:#fff;text-decoration:none;font-size:.95rem;font-weight:500;white-space:nowrap;transition:.25s;}
.main-nav > ul > li:hover > a{background:var(--secondary);}
.main-nav .nav-cta{background:var(--accent);color:#1a1a2e !important;border-radius:30px;padding:10px 20px !important;margin:14px 0;}
.dropdown{display:none;position:absolute;top:100%;left:0;min-width:230px;background:#fff;box-shadow:0 8px 20px rgba(0,0,0,.15);border-radius:0 0 10px 10px;overflow:hidden;opacity:0;
  visibility:hidden;
  transform:translateY(8px);
  transition:opacity .2s ease, transform .2s ease, visibility .2s;
  pointer-events:none; /* 숨겨진 상태에서는 클릭도 안 되게 */
  z-index:999;}
.main-nav > ul > li:hover .dropdown{ opacity:1;
  visibility:visible;
  transform:translateY(0);
  pointer-events:auto;}
.dropdown li a{display:block;padding:13px 20px;color:var(--text);text-decoration:none;font-size:.88rem;border-bottom:1px solid #f0f0f0;}
.dropdown li:last-child a{border-bottom:none;}
.dropdown li a:hover{background:var(--light-bg);color:var(--primary);padding-left:25px;}
.menu-toggle{display:none;background:none;border:none;color:#fff;font-size:1.6rem;cursor:pointer;}

@media(max-width:1024px){
  .header-inner{flex-wrap:wrap;}
  .menu-toggle{display:block;}
  .main-nav{display:none;width:100%;}
  .main-nav.open{display:block;}
  .main-nav ul{flex-direction:column;}
  .main-nav > ul > li > a{padding:14px 10px;border-bottom:1px solid rgba(255,255,255,.1);}
  .dropdown{position:static;box-shadow:none;border-radius:0;display:none;background:rgba(255,255,255,.05);}
  .main-nav > ul > li.open .dropdown{display:block;}
  .dropdown li a{color:#eee;}
}

/* Breadcrumb */
.breadcrumb{background:var(--light-bg);padding:14px 20px;font-size:.88rem;color:#666;}
.breadcrumb .inner{max-width:1280px;margin:0 auto;}
.breadcrumb a{color:var(--secondary);text-decoration:none;}

/* Hero */
.hero{background:linear-gradient(135deg,var(--primary),var(--secondary));color:#fff;padding:90px 20px;text-align:center;}
.hero h1{font-size:2.6rem;margin-bottom:18px;}
.hero p{font-size:1.15rem;max-width:720px;margin:0 auto 32px;opacity:.95;}
.btn{display:inline-block;padding:13px 30px;background:var(--accent);color:#1a1a2e;border-radius:30px;text-decoration:none;font-weight:700;transition:.25s;border:2px solid var(--accent);}
.btn:hover{opacity:.85;transform:translateY(-2px);}
.btn-outline{background:transparent;border:2px solid #fff;color:#fff;}
.btn-outline:hover{background:#fff;color:var(--primary);}

/* Section */
.section{max-width:1280px;margin:0 auto;padding:70px 20px;}
.section h1{font-size:2.1rem;color:var(--primary);margin-bottom:16px;}
.section h2{font-size:1.8rem;color:var(--primary);margin:0 0 24px;text-align:center;}
.section .lead{text-align:center;max-width:800px;margin:0 auto 40px;color:#555;font-size:1.05rem;}
.section p{margin-bottom:16px;color:#444;}
.section ul,.section ol{margin:0 0 20px 22px;color:#444;}
.section li{margin-bottom:8px;}
.bg-light{background:var(--light-bg);}

/* Grid & Card */
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:28px;margin-top:30px;}
.card{background:#fff;border:1px solid var(--border);border-radius:12px;padding:26px;box-shadow:0 2px 10px rgba(0,0,0,.04);transition:.25s;}
.card:hover{transform:translateY(-6px);box-shadow:0 10px 25px rgba(0,0,0,.1);}
.card h3{color:var(--primary);margin-bottom:10px;font-size:1.15rem;}
.card .tag{display:inline-block;background:var(--light-bg);color:var(--secondary);font-size:.78rem;padding:4px 12px;border-radius:20px;margin-bottom:10px;}

/* Quick facts */
.facts-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:20px;text-align:center;margin-top:30px;}
.fact-item{background:var(--light-bg);padding:35px 15px;border-radius:12px;}
.fact-item .num{font-size:2.3rem;font-weight:800;color:var(--secondary);display:block;margin-bottom:8px;}
.fact-item .label{color:#555;font-size:.92rem;}

/* Steps */
.steps{margin-top:30px;}
.step{display:flex;gap:20px;margin-bottom:28px;align-items:flex-start;}
.step .step-num{flex-shrink:0;width:44px;height:44px;border-radius:50%;background:var(--primary);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;}
.step .step-content h3{color:var(--primary);margin-bottom:6px;}

/* Table */
.table-wrap{overflow-x:auto;margin:25px 0;}
table{width:100%;border-collapse:collapse;min-width:500px;}
table th,table td{border:1px solid var(--border);padding:13px 15px;text-align:left;font-size:.93rem;}
table th{background:var(--primary);color:#fff;}
table tr:nth-child(even){background:var(--light-bg);}

/* FAQ */
.faq-item{border-bottom:1px solid var(--border);padding:18px 0;cursor:pointer;}
.faq-item h3{color:var(--primary);font-size:1.02rem;display:flex;justify-content:space-between;align-items:center;}
.faq-item .icon{transition:.25s;font-weight:400;}
.faq-item.open .icon{transform:rotate(45deg);}
.faq-item .answer{max-height:0;overflow:hidden;transition:.3s;color:#555;}
.faq-item.open .answer{max-height:400px;margin-top:12px;}

/* Form */
.form-box{max-width:600px;margin:0 auto;background:#fff;padding:35px;border-radius:12px;border:1px solid var(--border);}
.form-group{margin-bottom:20px;}
.form-group label{display:block;margin-bottom:7px;font-weight:600;font-size:.92rem;}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:11px 13px;border:1px solid #ccc;border-radius:8px;font-size:.95rem;font-family:inherit;}
.form-group textarea{min-height:130px;resize:vertical;}
.form-note{font-size:.85rem;color:#777;margin-top:15px;text-align:center;}

/* Checklist */
.checklist{list-style:none;margin:20px 0;}
.checklist li{padding:10px 0 10px 32px;position:relative;border-bottom:1px solid var(--border);}
.checklist li::before{content:"✔";position:absolute;left:0;color:var(--secondary);font-weight:700;}

/* Footer */
.site-footer{background:var(--dark);color:#ccc;padding:55px 20px 25px;}
.footer-inner{max-width:1280px;margin:0 auto;display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:35px;}
.footer-inner h4{color:#fff;margin-bottom:16px;font-size:1rem;}
.footer-inner ul{list-style:none;}
.footer-inner ul li{margin-bottom:9px;font-size:.9rem;}
.footer-inner a{color:#bbb;text-decoration:none;}
.footer-inner a:hover{color:#fff;}
.footer-bottom{text-align:center;padding-top:28px;margin-top:35px;border-top:1px solid #333;font-size:.82rem;color:#888;}
@media(max-width:800px){.footer-inner{grid-template-columns:1fr 1fr;}}