:root{
  --navy:#0b1220; --navy2:#121b2e; --ink:#0f172a; --text:#334155; --mute:#64748b;
  --line:#e2e8f0; --bg:#f6f8fb; --blue:#1e64de; --red:#e5334b; --green:#12925a; --amber:#b7791f;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Pretendard Variable",Pretendard,-apple-system,"Malgun Gothic",sans-serif;color:var(--text);background:#fff;line-height:1.65;word-break:keep-all}
img{max-width:100%;display:block}
h1,h2,h3{color:var(--ink);line-height:1.3;margin:0;letter-spacing:-.02em}
h2{font-size:clamp(26px,4vw,38px);font-weight:800}
h3{font-size:19px;font-weight:700}
p{margin:0}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.narrow{max-width:800px}
section{padding:88px 0;scroll-margin-top:64px}
.sub{margin-top:14px;color:var(--mute);font-size:17px}
.num{font-weight:800;color:var(--blue);font-size:15px;letter-spacing:.08em;margin-bottom:10px}
.num.light{color:#8fb4ff}

.nav{position:sticky;top:0;z-index:10;display:flex;align-items:center;gap:24px;height:64px;padding:0 20px;background:rgba(11,18,32,.92);backdrop-filter:blur(8px)}
.logo{color:#fff;font-weight:800;font-size:18px;text-decoration:none;margin-right:auto}
.nav nav{display:flex;gap:22px}
.nav nav a{color:#cbd5e1;text-decoration:none;font-size:15px}
.nav nav a:hover{color:#fff}

.btn{display:inline-block;background:var(--blue);color:#fff;border:0;border-radius:10px;padding:15px 26px;font:inherit;font-weight:700;font-size:16px;text-decoration:none;cursor:pointer}
.btn:hover{background:#1853bd}
.btn:disabled{opacity:.6;cursor:default}
.btn-sm{padding:9px 16px;font-size:14px}
.btn-ghost{background:transparent;border:1px solid rgba(255,255,255,.4)}
.btn-ghost:hover{background:rgba(255,255,255,.1)}

.hero{background:linear-gradient(90deg,rgba(11,18,32,.94) 30%,rgba(11,18,32,.45)),url(assets/hero-bg.webp) center/cover;color:#dbe3ef;padding:110px 0 80px}
.eyebrow{color:#ff8a9a;font-weight:700;margin-bottom:16px}
.hero h1{color:#fff;font-size:clamp(32px,6vw,56px);font-weight:800}
.lead{margin-top:22px;font-size:clamp(16px,2.2vw,19px);max-width:640px}
.lead strong{color:#fff}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:34px}
.hero-points{list-style:none;padding:0;margin:64px 0 0;display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.14);border-radius:14px;overflow:hidden}
.hero-points li{background:rgba(11,18,32,.82);padding:20px;font-size:14px;color:#aebbd0}
.hero-points b{display:block;color:#fff;font-size:20px;margin-bottom:4px}

.compare{background:var(--bg)}
.cols{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:40px}
.col{background:#fff;border:1px solid var(--line);border-radius:16px;padding:30px}
.col-dim h3{color:var(--mute)}
.col-main{border:2px solid var(--blue);box-shadow:0 12px 32px rgba(30,100,222,.12)}
.flow{list-style:none;padding:0;margin:22px 0 0;counter-reset:s}
.flow li{counter-increment:s;position:relative;padding:11px 0 11px 40px;border-bottom:1px dashed var(--line);color:var(--ink);font-weight:500}
.flow li::before{content:counter(s);position:absolute;left:0;top:10px;width:26px;height:26px;border-radius:50%;background:#e8eefb;color:var(--blue);font-size:13px;font-weight:700;display:grid;place-items:center}
.col-dim .flow li::before{background:#eef1f5;color:var(--mute)}
.flow .end{border:0;color:var(--mute)}
.flow .end.ok{color:var(--green);font-weight:700}
.note{margin-top:16px;font-size:14px;color:var(--mute)}

.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split.rev>:first-child{order:2}
.feature p{margin-top:18px;font-size:17px}
.feature.alt{background:var(--bg)}
.checks{list-style:none;padding:0;margin:24px 0 0}
.checks li{position:relative;padding:7px 0 7px 28px;color:var(--ink)}
.checks li::before{content:"";position:absolute;left:2px;top:14px;width:14px;height:8px;border-left:2.5px solid var(--blue);border-bottom:2.5px solid var(--blue);transform:rotate(-45deg)}

.panel{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 16px 40px rgba(15,23,42,.08);overflow:hidden}
.panel-head{padding:14px 20px;border-bottom:1px solid var(--line);font-weight:700;color:var(--ink);display:flex;justify-content:space-between}
.panel-head span{font-weight:500;font-size:13px;color:var(--mute)}
.mini{width:100%;border-collapse:collapse;font-size:14px}
.mini th,.mini td{padding:12px 16px;text-align:left;border-bottom:1px solid var(--line)}
.mini th{color:var(--mute);font-weight:600;font-size:13px}
.mini small{color:var(--blue);margin-left:4px}
.tag{font-style:normal;font-size:12px;font-weight:700;padding:3px 9px;border-radius:99px;white-space:nowrap}
.tag.red{background:#fde8eb;color:#c02339}.tag.amber{background:#fdf3dc;color:var(--amber)}.tag.green{background:#dff5ea;color:var(--green)}.tag.gray{background:#eef1f5;color:var(--mute)}.tag.blue{background:#e8eefb;color:var(--blue)}

.mail{margin:0;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;box-shadow:0 16px 40px rgba(15,23,42,.08)}
.mail-bar{display:flex;align-items:center;gap:6px;padding:11px 14px;background:#eef1f5;font-size:13px;color:var(--mute)}
.mail-bar i{width:10px;height:10px;border-radius:50%;background:#cbd5e1}
.mail-bar span{margin-left:8px}
.mail-scroll{overflow-x:auto;padding:10px}
.mail-scroll img{min-width:760px}
.mail figcaption{padding:16px 18px;border-top:1px solid var(--line);font-size:14.5px;color:var(--ink);background:#fafbfd}

.record{background:var(--navy) url(assets/section-bg.webp) center/cover;background-blend-mode:multiply;color:#b9c5d8}
.record h2,.record h3{color:#fff}
.record .sub{color:#b9c5d8}
.docs{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:44px}
.docs figure{margin:0}
.docs img{border-radius:6px;background:#fff;aspect-ratio:1/1.06;object-fit:cover;object-position:top;width:100%;box-shadow:0 14px 34px rgba(0,0,0,.45)}
.docs figcaption{margin-top:12px;font-size:13.5px}
.docs figcaption b{display:block;color:#fff;font-size:15px}
.fine{margin-top:22px;font-size:13px;color:#8493ab}
.honest{margin-top:44px;padding:28px 30px;border:1px solid rgba(255,255,255,.16);border-radius:16px;background:rgba(255,255,255,.05)}
.honest p{margin-top:10px;font-size:16px}

.fee-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:40px}
.fee-card{border:1px solid var(--line);border-radius:16px;padding:28px}
.fee-card h3{font-size:15px;color:var(--mute)}
.fee-card .big{font-size:30px;font-weight:800;color:var(--ink);margin:8px 0 12px}
.fee-card.hl{background:var(--navy);border-color:var(--navy);color:#b9c5d8}
.fee-card.hl h3{color:#8fb4ff}.fee-card.hl .big{color:#fff}

.board{background:var(--bg)}
.table-wrap{margin-top:30px;overflow-x:auto;background:#fff;border:1px solid var(--line);border-radius:14px}
.list{width:100%;border-collapse:collapse;font-size:15px;min-width:640px}
.list th,.list td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line)}
.list tr:last-child td{border-bottom:0}
.list th{font-size:13px;color:var(--mute);background:#fafbfd}
.list th,.list td{white-space:nowrap}
.list .locked{color:var(--ink)}
.list .locked svg{color:var(--mute);vertical-align:-2px;margin-right:6px}
label small{font-weight:400;color:var(--mute)}
.list tr.new td{background:#eef4ff}
.empty{text-align:center!important;color:var(--mute);padding:36px!important}

.apply{margin-top:40px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:34px}
.apply .sub{font-size:15px;margin-top:6px}
.grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:26px 0 18px}
.grid .full{grid-column:1/-1}
label{font-size:14px;font-weight:600;color:var(--ink);display:block}
input:not([type=checkbox]),select,textarea{display:block;width:100%;margin-top:6px;padding:12px 14px;border:1px solid #cbd5e1;border-radius:10px;font:inherit;font-size:16px;color:var(--ink);background:#fff}
input:focus,select:focus,textarea:focus{outline:2px solid var(--blue);outline-offset:1px;border-color:var(--blue)}
.check{font-weight:400;color:var(--text);margin:8px 0;display:flex;gap:8px;align-items:flex-start}
.check input{margin-top:5px}
#turnstile{margin:14px 0}
.apply .btn{margin-top:10px}
.form-msg{margin-top:12px;font-weight:600;min-height:1.5em}
.form-msg.ok{color:var(--green)}.form-msg.err{color:#c02339}

.faq details{border-bottom:1px solid var(--line);padding:18px 0}
.faq details:first-of-type{margin-top:26px;border-top:1px solid var(--line)}
.faq summary{cursor:pointer;font-weight:700;color:var(--ink);font-size:17px}
.faq details p{margin-top:10px}

footer{background:var(--navy);color:#8493ab;padding:36px 0;font-size:13.5px}
footer b{color:#fff}

@media(max-width:860px){
  section{padding:60px 0}
  .nav nav{display:none}
  .hero{padding:70px 0 56px}
  .hero-points{grid-template-columns:1fr 1fr;margin-top:44px}
  .cols,.split,.fee-grid,.grid{grid-template-columns:1fr}
  .split{gap:32px}
  .split.rev>:first-child{order:0}
  .docs{grid-template-columns:1fr 1fr}
  .apply{padding:22px}
  .lead br,h2 br{display:none}
}