:root{--navy:#0A1E3C;--gold:#C8A052;--bg:#F7F8FA;--line:#E4E7EC;--ink:#1F2A38;--muted:#5B6677;}
*{margin:0;padding:0;box-sizing:border-box;}
body{font-family:'Pretendard Variable',sans-serif;background:#fff;color:var(--ink);line-height:1.75;}
.top{background:var(--navy);color:#fff;padding:14px 20px;display:flex;justify-content:space-between;align-items:center;}
.top a{color:#fff;text-decoration:none;font-weight:800;font-size:16px;}
.top .nav a{font-size:13px;font-weight:600;opacity:.9;margin-left:14px;}
.wrap{max-width:760px;margin:0 auto;padding:30px 20px 60px;}
.crumb{font-size:12px;color:var(--muted);margin-bottom:14px;}
.crumb a{color:var(--muted);text-decoration:none;}
h1{font-size:27px;font-weight:900;color:var(--navy);line-height:1.4;letter-spacing:-.5px;margin-bottom:10px;}
.lead{font-size:15px;color:var(--muted);margin-bottom:24px;}
h2{font-size:20px;font-weight:800;color:var(--navy);margin:34px 0 12px;padding-top:10px;border-top:2px solid var(--line);}
h3{font-size:16px;font-weight:800;color:var(--navy);margin:20px 0 6px;}
p{margin-bottom:14px;font-size:15.5px;}
ul{margin:0 0 16px 18px;}li{margin-bottom:7px;font-size:15px;}
b{color:var(--navy);}
.box{background:var(--bg);border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:0 10px 10px 0;padding:14px 18px;margin:18px 0;font-size:14.5px;}
.tbl{width:100%;border-collapse:collapse;margin:16px 0;font-size:14px;}
.tbl th,.tbl td{border:1px solid var(--line);padding:9px 11px;text-align:left;vertical-align:top;}
.tbl th{background:var(--navy);color:#fff;font-weight:700;}
.tbl tr:nth-child(even) td{background:#FAFBFC;}
.cta{background:linear-gradient(135deg,var(--navy),#16335C);color:#fff;border-radius:16px;padding:28px 24px;text-align:center;margin:36px 0;}
.cta h3{color:#fff;font-size:19px;margin-bottom:8px;}
.cta p{color:#D6DEEA;font-size:14px;margin-bottom:18px;}
.cta a{display:inline-block;background:linear-gradient(135deg,#D4AF61,var(--gold));color:#fff;text-decoration:none;font-weight:800;font-size:16px;border-radius:30px;padding:14px 32px;box-shadow:0 10px 26px rgba(200,160,82,.4);}
.faq{margin-top:10px;}
.faq dt{font-weight:800;color:var(--navy);margin-top:14px;font-size:15px;}
.faq dd{margin:4px 0 0;font-size:14.5px;color:var(--ink);}
.related{background:var(--bg);border-radius:12px;padding:16px 18px;margin:30px 0 0;}
.related b{display:block;margin-bottom:8px;font-size:14px;}
.related a{display:block;color:var(--navy);text-decoration:none;font-size:14px;padding:5px 0;border-bottom:1px solid var(--line);}
.related a:last-child{border-bottom:none;}
.foot{border-top:1px solid var(--line);margin-top:40px;padding-top:18px;font-size:12px;color:var(--muted);line-height:1.7;}
.disc{font-size:11.5px;color:#9AA3AF;margin-top:10px;}

/* ahero-enrich */
.ahero{position:relative;border-radius:18px;overflow:hidden;margin:6px 0 26px;min-height:280px;display:flex;flex-direction:column;justify-content:flex-end;padding:30px 26px;background:var(--navy) center/cover no-repeat;box-shadow:0 16px 40px rgba(10,30,60,.18);}
.ahero::before{content:'';position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,30,60,.12) 0%,rgba(10,30,60,.55) 55%,rgba(10,30,60,.88) 100%);}
.ahero>*{position:relative;z-index:1;}
.ahero .htag{display:inline-block;align-self:flex-start;background:linear-gradient(135deg,#D4AF61,var(--gold));color:#fff;font-weight:800;font-size:12px;letter-spacing:.02em;padding:6px 13px;border-radius:30px;margin-bottom:12px;box-shadow:0 6px 16px rgba(200,160,82,.45);}
.ahero h1{color:#fff;margin-bottom:10px;font-size:28px;border:none;text-shadow:0 2px 14px rgba(0,0,0,.4);}
.ahero .lead{color:rgba(255,255,255,.93);margin-bottom:0;font-size:15px;}
.afig{margin:26px 0;border-radius:14px;overflow:hidden;box-shadow:0 10px 28px rgba(10,30,60,.14);}
.afig img{width:100%;height:240px;object-fit:cover;display:block;}
.afig figcaption{background:var(--navy);color:#D6DEEA;font-size:12.5px;padding:9px 14px;line-height:1.5;}
@media(max-width:560px){.ahero{min-height:230px;padding:22px 18px;}.ahero h1{font-size:22px;}.afig img{height:180px;}}