*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --primary: #1a4fd6;
  --primary-dark: #1239a0;
  --accent: #00b894;
  --bg: #f4f7fb;
  --surface: #ffffff;
  --text: #1a2332;
  --text-muted: #5a6578;
  --border: #e2e8f0;
  --shadow: 0 4px 24px rgba(26, 79, 214, 0.08);
  --radius: 16px;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Noto Sans KR', -apple-system, BlinkMacSystemFont, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.7;
  font-size: 16px;
  overflow-x: hidden;
}

a { color: inherit; text-decoration: none; }

header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}

.header-inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.logo {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--primary);
  display: flex;
  align-items: center;
  gap: 8px;
  white-space: nowrap;
}

.logo-icon {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  display: block;
  flex-shrink: 0;
}

nav {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
  justify-content: flex-end;
}

nav a {
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--text-muted);
  transition: color 0.2s;
}

nav a:hover,
nav a.active { color: var(--primary); }

.hero {
  background: linear-gradient(135deg, #1a4fd6 0%, #2563eb 50%, #1e40af 100%);
  color: #fff;
  padding: 80px 24px 100px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.hero.hero-sub {
  padding: 56px 24px 72px;
  text-align: left;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.hero-content {
  position: relative;
  max-width: 720px;
  margin: 0 auto;
}

.hero-sub .hero-content {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
}

.hero-badge {
  display: inline-block;
  background: rgba(255,255,255,0.15);
  border: 1px solid rgba(255,255,255,0.25);
  padding: 6px 16px;
  border-radius: 999px;
  font-size: 0.85rem;
  margin-bottom: 20px;
}

.hero h1 {
  font-size: clamp(1.8rem, 5vw, 2.6rem);
  font-weight: 700;
  line-height: 1.35;
  margin-bottom: 16px;
}

.hero p {
  font-size: 1.05rem;
  opacity: 0.9;
  max-width: 640px;
  margin: 0 auto 32px;
}

.hero-sub p {
  margin: 0;
  max-width: 720px;
}

.hero-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #fff;
  color: var(--primary);
  padding: 14px 28px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.95rem;
  transition: transform 0.2s, box-shadow 0.2s;
}

.hero-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0,0,0,0.15);
}

.breadcrumb {
  position: relative;
  max-width: 1100px;
  margin: 0 auto 16px;
  padding: 0 24px;
  font-size: 0.85rem;
  opacity: 0.85;
}

.breadcrumb a { text-decoration: underline; text-underline-offset: 2px; }

.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
}

.container-narrow {
  max-width: 800px;
  margin: 0 auto;
  padding: 0 24px;
}

section { padding: 72px 0; }

.section-label {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--primary);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 8px;
}

.section-title {
  font-size: 1.75rem;
  font-weight: 700;
  margin-bottom: 12px;
}

.section-desc {
  color: var(--text-muted);
  max-width: 600px;
  margin-bottom: 40px;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.insurance-form-wrap {
  position: relative;
  z-index: 20;
  margin-top: -50px;
}

.insurance-form {
  display: grid;
  grid-template-columns: 150px 1fr 160px;
  gap: 20px;
  align-items: center;
  padding: 22px 24px;
  background: #fff;
  border: 1px solid #cbd9fa;
  border-radius: 16px;
  box-shadow: 0 12px 36px rgba(26, 79, 214, 0.14);
}

.insurance-form-copy {
  padding-left: 4px;
}

.insurance-form-copy span {
  display: inline-block;
  margin-bottom: 5px;
  padding: 3px 9px;
  border-radius: 999px;
  background: #e8f0fe;
  color: var(--primary);
  font-size: 0.7rem;
  font-weight: 700;
}

.insurance-form-copy strong {
  display: block;
  color: var(--text);
  font-size: 1.12rem;
  line-height: 1.45;
}

.insurance-form-fields {
  display: grid;
  grid-template-columns: 1fr 1.25fr;
  gap: 12px;
  min-width: 0;
}

.insurance-name-row,
.insurance-phone-row {
  display: grid;
  gap: 8px;
  min-width: 0;
}

.insurance-name-row {
  grid-template-columns: minmax(150px, 1fr) auto;
}

.insurance-phone-row {
  grid-template-columns: 82px minmax(150px, 1fr);
}

.insurance-form input,
.insurance-form select {
  min-width: 0;
  width: 100%;
  height: 48px;
  border: 1px solid #d7e0ef;
  border-radius: 10px;
  background: #f9fbff;
  color: var(--text);
  font: inherit;
  font-size: 0.9rem;
  padding: 0 14px;
  outline: none;
}

.insurance-form input:focus,
.insurance-form select:focus {
  border-color: var(--primary);
  background: #fff;
  box-shadow: 0 0 0 3px rgba(26, 79, 214, 0.1);
}

.insurance-form input::placeholder {
  color: #a8b0bd;
}

.insurance-gender {
  display: flex;
  gap: 6px;
}

.insurance-gender input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.insurance-gender label {
  width: 44px;
  height: 48px;
  border: 1px solid #d7e0ef;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  color: #697386;
  background: #f9fbff;
  font-weight: 700;
  transition: background 0.2s, color 0.2s;
}

.insurance-gender input:checked + label {
  background: var(--primary);
  border-color: var(--primary);
  color: #fff;
}

.insurance-form-submit {
  border: none;
  border-radius: 12px;
  min-height: 108px;
  background: linear-gradient(135deg, var(--primary), #3b73ed);
  color: #fff;
  font: inherit;
  font-size: 1.1rem;
  line-height: 1.45;
  font-weight: 700;
  cursor: pointer;
  box-shadow: 0 8px 20px rgba(26, 79, 214, 0.22);
  transition: transform 0.2s, box-shadow 0.2s;
}

.insurance-form-submit:hover {
  transform: translateY(-1px);
  box-shadow: 0 10px 26px rgba(26, 79, 214, 0.3);
}

.insurance-form-wrap + .container .banner-grid {
  margin-top: 28px;
}

.banner-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 24px;
  margin-top: -60px;
  position: relative;
  z-index: 10;
  padding-bottom: 24px;
}

.banner-card {
  background: var(--surface);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  transition: transform 0.25s, box-shadow 0.25s;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.banner-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 40px rgba(26, 79, 214, 0.14);
}

.banner-tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 6px;
  width: fit-content;
}

.tag-hf { background: #e8f0fe; color: #1a4fd6; }
.tag-kakao { background: #fef9e7; color: #b8860b; }
.tag-fss { background: #e8f8f5; color: #00875a; }
.tag-page { background: #eef2ff; color: #3730a3; }

.banner-card h3 {
  font-size: 1.15rem;
  font-weight: 700;
}

.banner-card p {
  font-size: 0.9rem;
  color: var(--text-muted);
  flex: 1;
}

.banner-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--primary);
  font-weight: 600;
  font-size: 0.9rem;
  margin-top: 4px;
}

.banner-link svg { transition: transform 0.2s; }
.banner-card:hover .banner-link svg { transform: translateX(4px); }

.info-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 20px;
}

.info-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
}

.info-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 16px;
}

.icon-blue { background: #e8f0fe; }
.icon-green { background: #e8f8f5; }
.icon-orange { background: #fff3e0; }
.icon-purple { background: #f3e8ff; }

.info-card h3 {
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 8px;
}

.info-card p {
  font-size: 0.88rem;
  color: var(--text-muted);
}

.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 0;
  counter-reset: step;
}

.step-item {
  position: relative;
  padding: 24px 28px;
  background: var(--surface);
  border: 1px solid var(--border);
  counter-increment: step;
}

.step-item:first-child { border-radius: var(--radius) 0 0 var(--radius); }
.step-item:last-child { border-radius: 0 var(--radius) var(--radius) 0; }

.step-item::before {
  content: counter(step);
  display: flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  background: var(--primary);
  color: #fff;
  border-radius: 50%;
  font-size: 0.85rem;
  font-weight: 700;
  margin-bottom: 12px;
}

.step-item h4 {
  font-size: 0.95rem;
  font-weight: 700;
  margin-bottom: 6px;
}

.step-item p {
  font-size: 0.85rem;
  color: var(--text-muted);
}

.glossary-list { display: grid; gap: 16px; }

.glossary-item {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 20px 24px;
}

.glossary-item dt {
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 4px;
}

.glossary-item dd {
  font-size: 0.9rem;
  color: var(--text-muted);
}

.cta-banner {
  background: linear-gradient(135deg, #1a2332, #2d3748);
  border-radius: var(--radius);
  padding: 48px 40px;
  color: #fff;
  text-align: center;
  margin-top: 16px;
}

.cta-banner h3 {
  font-size: 1.4rem;
  margin-bottom: 12px;
}

.cta-banner p {
  opacity: 0.85;
  margin-bottom: 24px;
  font-size: 0.95rem;
}

.cta-links {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: center;
}

.cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 12px 22px;
  border-radius: 999px;
  font-size: 0.88rem;
  font-weight: 600;
  transition: opacity 0.2s;
}

.cta-btn:hover { opacity: 0.88; }
.cta-btn-primary { background: var(--primary); color: #fff; }
.cta-btn-outline {
  background: transparent;
  color: #fff;
  border: 1px solid rgba(255,255,255,0.35);
}

footer {
  background: #fff;
  border-top: 1px solid var(--border);
  padding: 40px 24px;
  margin-top: 40px;
}

.footer-inner {
  max-width: 1100px;
  margin: 0 auto;
  text-align: center;
}

.footer-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 12px 20px;
  justify-content: center;
  margin-bottom: 20px;
}

.footer-nav a {
  font-size: 0.85rem;
  color: var(--primary);
  font-weight: 500;
}

.footer-inner p {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.8;
}

.footer-disclaimer {
  margin-top: 12px;
  font-size: 0.78rem !important;
  opacity: 0.75;
}

.faq-list { display: grid; gap: 12px; }

.faq-item {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
}

.faq-item summary {
  padding: 18px 24px;
  font-weight: 600;
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}

.faq-item summary::-webkit-details-marker { display: none; }

.faq-item summary::after {
  content: '+';
  color: var(--primary);
  font-size: 1.2rem;
  font-weight: 700;
  flex-shrink: 0;
}

.faq-item[open] summary::after { content: '−'; }

.faq-item p {
  padding: 0 24px 18px;
  font-size: 0.9rem;
  color: var(--text-muted);
}

/* Article (subpage) */
.article {
  padding: 48px 0 24px;
}

.article h2 {
  font-size: 1.45rem;
  font-weight: 700;
  margin: 40px 0 14px;
  line-height: 1.4;
}

.article h2:first-child { margin-top: 0; }

.article h3 {
  font-size: 1.1rem;
  font-weight: 700;
  margin: 28px 0 10px;
}

.article p {
  color: var(--text-muted);
  margin-bottom: 14px;
  font-size: 0.98rem;
}

.article ul,
.article ol {
  margin: 0 0 18px 1.2rem;
  color: var(--text-muted);
}

.article li { margin-bottom: 8px; }

.article strong { color: var(--text); font-weight: 600; }

.callout {
  background: #eef4ff;
  border: 1px solid #d6e4ff;
  border-radius: 12px;
  padding: 18px 20px;
  margin: 24px 0;
  font-size: 0.92rem;
  color: var(--text-muted);
}

.callout strong { color: var(--primary); }

.related-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 16px;
  margin-top: 24px;
}

.related-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 20px;
  transition: border-color 0.2s, transform 0.2s;
}

.related-card:hover {
  border-color: #b7c9f5;
  transform: translateY(-2px);
}

.related-card h3 {
  font-size: 1rem;
  margin: 0 0 8px;
  color: var(--primary);
}

.related-card p {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin: 0;
}

.table-wrap {
  overflow-x: auto;
  margin: 20px 0 28px;
  border: 1px solid var(--border);
  border-radius: 12px;
  background: var(--surface);
}

.article table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
}

.article th,
.article td {
  padding: 12px 14px;
  border-bottom: 1px solid var(--border);
  text-align: left;
  vertical-align: top;
}

.article th {
  background: #f8fafc;
  color: var(--text);
  font-weight: 600;
  white-space: nowrap;
}

.article tr:last-child td { border-bottom: none; }

@media (max-width: 900px) {
  nav { display: none; }
  .insurance-form {
    grid-template-columns: 1fr;
  }
  .insurance-form-copy {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 0;
  }
  .insurance-form-copy span { margin: 0; }
  .insurance-form-copy strong br { display: none; }
  .insurance-form-submit {
    min-height: 48px;
  }
  .insurance-form-submit br { display: none; }
}

@media (max-width: 768px) {
  .banner-grid { margin-top: -40px; }
  .insurance-form-wrap {
    margin-top: -34px;
    padding: 0 14px;
  }
  .insurance-form {
    grid-template-columns: 1fr;
    padding: 16px;
    gap: 12px;
  }
  .insurance-form-copy {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 0;
  }
  .insurance-form-copy span { margin: 0; }
  .insurance-form-copy strong {
    font-size: 1rem;
  }
  .insurance-form-copy strong br { display: none; }
  .insurance-form-fields {
    grid-template-columns: 1fr;
  }
  .insurance-form-submit {
    height: 48px;
    min-height: 48px;
    font-size: 0.95rem;
  }
  .insurance-form-submit br { display: none; }
  .insurance-form-wrap + .container .banner-grid { margin-top: 22px; }
  .step-item:first-child,
  .step-item:last-child { border-radius: 0; }
  .step-item:first-child { border-radius: var(--radius) var(--radius) 0 0; }
  .step-item:last-child { border-radius: 0 0 var(--radius) var(--radius); }
  .cta-banner { padding: 36px 24px; }
}