:root{--ink:#242a2d;--teal:#087d78;--gold:#b18a43;--paper:#f6f8f7;--line:#dfe5e3;--muted:#61706d}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:90px}body{margin:0;color:var(--ink);font-family:Arial,"Noto Sans KR",sans-serif;line-height:1.78;background:#fff;padding-bottom:82px}a{text-decoration:none;color:inherit}img{display:block;max-width:100%}.wrap{width:min(1180px,calc(100% - 36px));margin:auto}
.header{position:sticky;top:0;z-index:50;background:#ffffffee;backdrop-filter:blur(14px);border-top:4px solid var(--teal);border-bottom:1px solid var(--line)}.nav{height:70px;display:flex;align-items:center;gap:25px}.logo{margin-right:auto;font-size:21px;font-weight:950}.logo span{color:var(--teal)}.menu{display:flex;align-items:center;gap:23px;font-weight:850;font-size:15px}.drop{position:relative;padding:21px 0}.drop>a:after{content:"⌄";margin-left:5px;color:var(--gold)}.sub{display:none;position:absolute;top:61px;left:-20px;width:235px;padding:9px;background:#fff;border:1px solid var(--line);box-shadow:0 18px 40px #1c292627}.sub a{display:block;padding:9px 11px}.sub a:hover{background:#eef7f5;color:var(--teal)}.drop:hover .sub,.drop:focus-within .sub{display:block}.topcall{padding:9px 14px;background:var(--ink);color:#fff;border-radius:4px;font-weight:900}.menu-toggle{display:none;width:42px;height:42px;padding:10px;border:1px solid var(--line);background:#fff}.menu-toggle span{display:block;height:2px;margin:4px 0;background:var(--ink)}
.hero{padding:65px 0 35px;background:linear-gradient(120deg,#fff 0 68%,#edf6f4 68%)}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:52px;align-items:center}.kicker{font-size:13px;font-weight:900;color:var(--teal);letter-spacing:0}.hero h1{font-size:clamp(42px,5.2vw,66px);line-height:1.12;letter-spacing:0;margin:14px 0}.lead{font-size:18px;color:var(--muted);max-width:720px}.report-link{display:inline-block;margin-top:18px;padding:11px 17px;border:1px solid var(--teal);color:var(--teal);font-weight:900;transition:.2s}.report-link:hover{background:var(--teal);color:#fff;transform:translateY(-2px)}.facts{display:grid;gap:8px}.fact{padding:13px 16px;border-left:4px solid var(--gold);background:#fff;box-shadow:0 8px 22px #24322f10}.fact b{color:var(--teal)}
.selector{padding:30px 0 48px;background:var(--paper);border-bottom:1px solid var(--line)}.selector h2{font-size:22px;margin:0 0 17px}.tabs{display:flex;gap:8px;flex-wrap:wrap}.tab{border:1px solid #b8cac6;background:#fff;padding:10px 15px;font:inherit;font-weight:850;cursor:pointer}.tab.active{background:var(--teal);border-color:var(--teal);color:#fff}.tab-panel{display:none;margin-top:18px;padding:23px 25px;background:#fff;border-top:3px solid var(--gold);animation:panelIn .28s ease}.tab-panel.active{display:grid;grid-template-columns:1fr auto;gap:25px;align-items:center}.tab-panel a{padding:9px 14px;background:var(--ink);color:#fff;font-weight:850}@keyframes panelIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.report{padding:75px 0 115px}.report-grid{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:48px}.article{font-size:17px}.article h2{font-size:31px;line-height:1.3;margin:62px 0 14px}.article h2:first-child{margin-top:0}.article h3{font-size:21px;color:var(--teal);margin-top:32px}.summary{padding:24px 26px;border-top:4px solid var(--gold);background:#fbf8f1}.dateline{display:flex;gap:18px;flex-wrap:wrap;padding:12px 0 20px;color:var(--muted);font-size:14px}.mid-image{width:min(610px,100%);aspect-ratio:1;object-fit:contain;margin:36px auto;border:1px solid var(--line)}.check{list-style:none;padding:0}.check li{position:relative;padding:13px 14px 13px 42px;margin:8px 0;background:#f1f6f5}.check li:before{content:"✓";position:absolute;left:16px;color:var(--teal);font-weight:950}.table{overflow:auto}table{width:100%;min-width:650px;border-collapse:collapse}th,td{padding:14px;text-align:left;border-bottom:1px solid var(--line)}th{background:var(--ink);color:#fff}.warning{padding:22px;border:1px solid #d4ad73;background:#fffaf0}.toc{position:sticky;top:94px;height:max-content;padding:20px 21px;border-top:4px solid var(--teal);background:var(--paper)}.toc strong,.toc a{display:block}.toc a{padding:9px 0;border-bottom:1px solid var(--line);font-size:15px}.faq details{padding:17px 0;border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;font-weight:900}.footer{padding:42px 0;background:var(--ink);color:#dce6e3}
.fixed{position:fixed;z-index:70;left:14px;right:14px;bottom:9px;max-width:1040px;margin:auto;display:grid;grid-template-columns:1.25fr .75fr .75fr;background:#1f292b;color:#fff;border-radius:12px;overflow:hidden;box-shadow:0 14px 35px #0005}.fixed-info{padding:8px 20px}.fixed-info small{display:block;color:#79d8cd}.fixed-info b{font-size:20px}.fixed a{display:grid;place-items:center;font-weight:900;border-left:1px solid #ffffff2b}.fixed .phone{background:#fff;color:var(--ink)}.fixed .sms{background:var(--teal)}
@media(max-width:820px){body{padding-bottom:112px}.wrap{width:min(100% - 24px,680px)}.nav{height:60px;gap:8px;position:relative}.logo{font-size:18px}.menu-toggle{display:block}.topcall{font-size:0;padding:8px 11px}.topcall:before{content:"☎";font-size:18px}.menu{display:none;position:absolute;top:59px;left:0;right:0;max-height:calc(100vh - 68px);overflow:auto;padding:9px 13px 14px;background:#fff;border:1px solid var(--line);box-shadow:0 18px 35px #0002}.nav.open .menu{display:flex;flex-direction:column;align-items:stretch;gap:0}.menu>a,.drop>a{display:block;padding:11px 5px;border-bottom:1px solid var(--line)}.drop{padding:0}.sub{display:none;position:static;width:auto;padding:5px 9px;border:0;box-shadow:none;background:#f4f7f6}.drop.submenu-open .sub{display:block}.hero{padding:42px 0 28px;background:#fff}.hero-grid,.report-grid{grid-template-columns:1fr}.hero h1{font-size:40px}.tab-panel.active{grid-template-columns:1fr}.toc{position:static;grid-row:1}.mid-image{width:100%}.fixed{left:6px;right:6px;grid-template-columns:1fr 1fr}.fixed-info{grid-column:1/-1;text-align:center;padding:5px}.fixed a{min-height:44px}}