:root {
  --blue: #3182f6;
  --blue-dark: #1b64da;
  --blue-light: #e8f3ff;
  --ink: #191f28;
  --body: #333d4b;
  --muted: #6b7684;
  --line: #e5e8eb;
  --soft: #f7f9fc;
  --orange: #f76707;
  --radius: 24px;
  --shadow: 0 18px 50px rgba(49, 130, 246, 0.12);
}
* {
  box-sizing: border-box;
}
html {
  scroll-behavior: smooth;
}
body {
  margin: 0;
  color: var(--body);
  background: #fff;
  font-family:
    Pretendard,
    -apple-system,
    BlinkMacSystemFont,
    "Segoe UI",
    "Noto Sans KR",
    sans-serif;
  line-height: 1.72;
  letter-spacing: -0.018em;
}
a {
  color: inherit;
}
.reading-progress {
  position: fixed;
  inset: 0 0 auto;
  height: 3px;
  z-index: 100;
  background: transparent;
}
.reading-progress i {
  display: block;
  width: 0;
  height: 100%;
  background: var(--blue);
}
.site-header {
  height: 72px;
  padding: 0 clamp(20px, 5vw, 72px);
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-bottom: 1px solid rgba(229, 232, 235, 0.8);
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: blur(16px);
  position: sticky;
  top: 0;
  z-index: 90;
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 20px;
  font-weight: 800;
  text-decoration: none;
  color: var(--ink);
}
.brand-mark {
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  border-radius: 11px;
  color: #fff;
  background: linear-gradient(135deg, #3182f6, #1b64da);
}
nav {
  display: flex;
  align-items: center;
  gap: 28px;
}
nav a {
  text-decoration: none;
  font-size: 14px;
  font-weight: 650;
}
.header-cta {
  padding: 10px 16px;
  border-radius: 12px;
  color: #fff;
  background: var(--blue);
}
.hero {
  max-width: 1200px;
  margin: 0 auto;
  padding: 72px 24px 48px;
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(380px, 0.82fr);
  align-items: center;
  gap: 56px;
}
.breadcrumb {
  display: flex;
  gap: 8px;
  align-items: center;
  color: #8b95a1;
  font-size: 14px;
  margin-bottom: 28px;
}
.breadcrumb a {
  text-decoration: none;
}
.eyebrow {
  display: inline-flex;
  padding: 8px 12px;
  border-radius: 999px;
  background: var(--blue-light);
  color: var(--blue-dark);
  font-size: 13px;
  font-weight: 750;
}
.hero h1 {
  font-size: clamp(38px, 5vw, 64px);
  line-height: 1.14;
  letter-spacing: -0.045em;
  color: var(--ink);
  margin: 18px 0 22px;
  word-break: keep-all;
}
.hero-copy > p {
  font-size: 20px;
  line-height: 1.65;
  color: #4e5968;
  max-width: 62ch;
  word-break: keep-all;
}
.hero-meta {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
  margin-top: 28px;
  color: #8b95a1;
  font-size: 13px;
}
.hero-author {
  flex-basis: 100%;
  display: grid;
  grid-template-columns: 40px auto;
  align-items: center;
  column-gap: 10px;
  margin-top: 4px;
  color: var(--ink);
}
.hero-author img {
  grid-row: 1 / 3;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  object-fit: cover;
  object-position: center 18%;
  border: 1px solid var(--line);
}
.hero-author b {
  font-size: 14px;
  line-height: 1.2;
}
.hero-author small {
  margin-top: 2px;
  color: #8b95a1;
  font-size: 12px;
}
.hero-image {
  margin: 0;
  aspect-ratio: 3/2;
  border-radius: 32px;
  overflow: hidden;
  box-shadow: var(--shadow);
  background: var(--soft);
}
.hero-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.article-layout {
  max-width: 1140px;
  margin: 0 auto;
  padding: 40px 24px 120px;
  display: grid;
  grid-template-columns: 210px minmax(0, 760px);
  justify-content: center;
  gap: 72px;
}
.toc {
  position: sticky;
  top: 104px;
  align-self: start;
  display: flex;
  flex-direction: column;
  gap: 11px;
  border-left: 2px solid var(--line);
  padding-left: 18px;
}
.toc strong {
  font-size: 14px;
  color: var(--ink);
  margin-bottom: 5px;
}
.toc a {
  text-decoration: none;
  font-size: 13px;
  color: #8b95a1;
  line-height: 1.45;
}
.toc a:hover {
  color: var(--blue);
}
.prose section {
  scroll-margin-top: 100px;
  margin-bottom: 88px;
}
.prose h2 {
  font-size: 32px;
  line-height: 1.35;
  color: var(--ink);
  letter-spacing: -0.035em;
  margin: 8px 0 20px;
  word-break: keep-all;
}
.prose h3 {
  margin: 34px 0 12px;
  color: var(--ink);
  font-size: 21px;
  line-height: 1.45;
  letter-spacing: -0.025em;
  word-break: keep-all;
}
.prose p {
  font-size: 18px;
  line-height: 1.9;
  word-break: keep-all;
}
.prose > p > a {
  color: var(--blue-dark);
  font-weight: 750;
  text-underline-offset: 3px;
}
.prose blockquote {
  margin: 24px 0 48px;
  padding: 18px 22px;
  border: 1px solid #d6e8ff;
  border-left: 4px solid var(--blue);
  border-radius: 0 16px 16px 0;
  background: #f8fbff;
  color: #3f4b5a;
}
.prose blockquote p {
  margin: 0;
  font-size: 15px;
  line-height: 1.75;
  word-break: break-word;
}
.section-number {
  font-size: 13px;
  font-weight: 800;
  color: var(--blue);
  letter-spacing: 0.12em;
}
.summary-card {
  padding: 36px 38px;
  border: 1px solid #d6e8ff;
  background: linear-gradient(145deg, #f8fbff, #edf6ff);
  border-radius: 28px;
}
.summary-card > span {
  font-size: 13px;
  font-weight: 800;
  color: var(--blue);
}
.summary-card h2 {
  font-size: 25px;
  margin: 10px 0 14px;
}
.summary-card p {
  font-size: 14px;
  color: #6b7684;
  margin: 0;
}
.chart {
  margin: 34px 0;
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: #fff;
}
.cost-example {
  margin: 22px 0 42px;
  padding: 24px 26px;
  border: 1px solid #b9d8ff;
  border-radius: 20px;
  background: linear-gradient(145deg, #f8fbff, #eef6ff);
}
.cost-example > strong {
  display: block;
  margin-bottom: 8px;
  color: var(--blue-dark);
  font-size: 15px;
}
.cost-example p {
  margin: 0 0 8px;
  font-size: 17px;
  line-height: 1.7;
}
.cost-example .cost-assumption {
  margin-bottom: 16px;
  color: #4e5968;
  font-size: 15px;
}
.cost-example dl {
  margin: 0 0 14px;
}
.cost-example dl > div {
  display: grid;
  grid-template-columns: minmax(105px, 0.75fr) 2fr;
  gap: 18px;
  padding: 10px 0;
  border-top: 1px solid #d6e8ff;
}
.cost-example dt,
.cost-example dd {
  margin: 0;
  line-height: 1.55;
}
.cost-example dt {
  color: #4e5968;
  font-weight: 700;
}
.cost-example dd {
  color: var(--ink);
  font-weight: 650;
}
.cost-example .cost-total {
  margin-top: 4px;
  border-top-color: #8ebfff;
}
.cost-example .cost-total dt,
.cost-example .cost-total dd {
  color: var(--blue-dark);
  font-weight: 850;
}
.cost-example b {
  color: var(--blue-dark);
  font-size: 20px;
}
.cost-example small {
  color: #6b7684;
  line-height: 1.6;
}
@media (max-width: 560px) {
  .cost-example dl > div {
    grid-template-columns: 1fr;
    gap: 3px;
  }
}
.chart-row {
  display: grid;
  grid-template-columns: 100px 1fr 34px;
  gap: 14px;
  align-items: center;
  margin: 14px 0;
  font-size: 14px;
}
.chart-track {
  height: 12px;
  background: #eef2f6;
  border-radius: 99px;
  overflow: hidden;
}
.chart-track i {
  display: block;
  height: 100%;
  border-radius: 99px;
  background: linear-gradient(90deg, #3182f6, #72adff);
}
.chart-row b {
  font-size: 12px;
  color: #8b95a1;
}
.chart-note {
  font-size: 12px !important;
  color: #8b95a1;
  margin: 18px 0 0;
}
.table-wrap {
  overflow: auto;
  margin: 34px 0;
  border: 1px solid var(--line);
  border-radius: 20px;
}
table {
  width: 100%;
  border-collapse: collapse;
  min-width: 620px;
  font-size: 14px;
}
th,
td {
  text-align: left;
  padding: 16px 18px;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}
th {
  background: #f7f9fc;
  color: var(--ink);
  font-weight: 750;
}
tr:last-child td {
  border: 0;
}
.checklist {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.checklist label {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 17px 18px;
  border: 1px solid var(--line);
  border-radius: 15px;
  background: #fff;
  font-size: 15px;
}
.checklist input {
  accent-color: var(--blue);
  width: 18px;
  height: 18px;
  margin-top: 3px;
}
.notice {
  margin-top: 24px;
  padding: 20px 22px;
  border-radius: 16px;
  background: #fff5ec;
  border: 1px solid #ffe0c2;
}
.notice b {
  color: var(--orange);
}
.notice p {
  font-size: 15px;
  margin: 5px 0 0;
}
.faq-list {
  border-top: 1px solid var(--line);
}
details {
  border-bottom: 1px solid var(--line);
  padding: 20px 0;
}
summary {
  cursor: pointer;
  font-size: 18px;
  font-weight: 700;
  color: var(--ink);
  list-style: none;
  display: flex;
  justify-content: space-between;
}
summary:after {
  content: "+";
  color: var(--blue);
  font-size: 24px;
}
details[open] summary:after {
  content: "−";
}
.faq-list p {
  font-size: 16px;
  color: #4e5968;
  margin: 14px 28px 0 0;
}
.sources {
  padding-top: 32px;
  border-top: 1px solid var(--line);
}
.sources h2 {
  font-size: 22px;
}
.sources li {
  margin: 8px 0;
}
.sources a {
  color: var(--blue);
}
.sources p {
  font-size: 13px;
  color: #8b95a1;
}
.author-card {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(260px, 0.85fr);
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 28px;
  background: #fff;
  box-shadow: 0 16px 44px rgba(25, 31, 40, 0.08);
}
.author-card figure {
  min-height: 330px;
  margin: 0;
  background: var(--soft);
}
.author-card figure img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}
.author-card-copy {
  padding: 38px 34px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: center;
}
.author-card-copy > img {
  width: 72px;
  height: 72px;
  margin-bottom: 22px;
  border-radius: 50%;
  object-fit: cover;
  object-position: center 18%;
  border: 3px solid var(--blue-light);
}
.author-card-copy span {
  color: #6b7684;
  font-size: 13px;
  line-height: 1.5;
}
.author-card-copy h2 {
  margin: 8px 0 12px;
  font-size: 30px;
}
.kakao-chat-btn {
  display: inline-flex;
  align-items: center;
  gap: 11px;
  min-height: 52px;
  margin: 0 0 18px;
  padding: 10px 18px 10px 14px;
  border-radius: 14px;
  background: #fee500;
  color: #191919;
  font-size: 15px;
  font-weight: 800;
  line-height: 1.3;
  text-decoration: none;
  box-shadow: 0 8px 20px rgba(25, 25, 25, 0.12);
  transition:
    transform 0.2s ease,
    box-shadow 0.2s ease,
    background 0.2s ease;
}
.kakao-chat-btn:hover {
  transform: translateY(-2px);
  background: #ffea2e;
  box-shadow: 0 12px 24px rgba(25, 25, 25, 0.16);
}
.kakao-chat-btn:focus-visible {
  outline: 3px solid rgba(49, 130, 246, 0.35);
  outline-offset: 3px;
}
.kakao-chat-btn .kakao-chat-icon {
  display: grid;
  flex: 0 0 32px;
  width: 32px;
  height: 32px;
  place-items: center;
  border-radius: 10px;
  background: rgba(25, 25, 25, 0.08);
  font-size: 18px;
}
.kakao-chat-btn > span:last-child {
  color: #191919;
  font-size: 15px;
}
.kakao-chat-btn small {
  display: block;
  margin-top: 2px;
  color: rgba(25, 25, 25, 0.65);
  font-size: 11px;
  font-weight: 600;
}
.author-card-copy p {
  margin: 0;
  color: #4e5968;
  font-size: 15px;
  line-height: 1.7;
}
.article-cta {
  text-align: center;
  padding: 52px 38px;
  border-radius: 32px;
  background: linear-gradient(135deg, #3182f6, #1b64da);
  color: #fff;
}
.article-cta span {
  font-size: 14px;
  font-weight: 700;
  opacity: 0.85;
}
.article-cta h2 {
  color: #fff;
  font-size: 32px;
}
.article-cta p {
  font-size: 16px;
  opacity: 0.9;
}
.article-cta a {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  background: #fff;
  color: var(--blue-dark);
  text-decoration: none;
  padding: 16px 22px;
  border-radius: 14px;
  font-weight: 800;
  margin: 8px 0 12px;
}
.article-cta small {
  display: block;
  opacity: 0.7;
}
.related h2 {
  font-size: 24px;
}
.related-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}
.related-grid a {
  text-decoration: none;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 18px;
  display: flex;
  flex-direction: column;
  min-height: 170px;
  transition: 0.2s;
}
.related-grid a:hover {
  transform: translateY(-4px);
  border-color: #a8ccff;
  box-shadow: 0 12px 30px rgba(49, 130, 246, 0.09);
}
.related-grid span {
  font-size: 12px;
  color: var(--blue);
  font-weight: 700;
}
.related-grid strong {
  margin: 8px 0;
  font-size: 15px;
  line-height: 1.5;
  color: var(--ink);
}
.related-grid i {
  margin-top: auto;
  font-size: 12px;
  color: #8b95a1;
  font-style: normal;
}
footer {
  padding: 42px clamp(20px, 5vw, 72px);
  background: #191f28;
  color: #fff;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
footer b {
  font-size: 20px;
}
footer p {
  margin: 4px 0 0;
  font-size: 13px;
  color: #b0b8c1;
}
footer > a {
  text-decoration: none;
  padding: 12px 16px;
  background: #fff;
  color: #191f28;
  border-radius: 12px;
  font-weight: 700;
}
.guide-index {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px 120px;
}
.index-hero {
  padding: 100px 0 80px;
  text-align: center;
}
.index-hero > span,
.cluster-title > span {
  color: var(--blue);
  font-weight: 800;
  font-size: 13px;
}
.index-hero h1 {
  font-size: clamp(42px, 7vw, 72px);
  line-height: 1.14;
  letter-spacing: -0.05em;
  color: var(--ink);
  margin: 16px 0;
}
.index-hero p {
  font-size: 19px;
  color: #6b7684;
}
.cluster {
  margin: 30px 0 100px;
}
.cluster-title {
  margin-bottom: 28px;
}
.cluster-title h2 {
  font-size: 32px;
  color: var(--ink);
  margin: 8px 0;
}
.index-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}
.index-grid > a {
  display: grid;
  grid-template-columns: 190px 1fr;
  min-height: 230px;
  text-decoration: none;
  border: 1px solid var(--line);
  border-radius: 24px;
  overflow: hidden;
  background: #fff;
  transition: 0.25s;
}
.index-grid > a:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow);
  border-color: #b8d5ff;
}
.index-grid img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.index-grid div {
  padding: 26px;
}
.index-grid span {
  font-size: 12px;
  color: var(--blue);
  font-weight: 800;
}
.index-grid h3 {
  font-size: 20px;
  line-height: 1.45;
  color: var(--ink);
  margin: 7px 0;
}
.index-grid p {
  font-size: 14px;
  line-height: 1.6;
  color: #6b7684;
  margin: 0 0 12px;
}
.index-grid b {
  font-size: 12px;
  color: var(--blue);
}
@media (max-width: 900px) {
  nav > a:not(.header-cta) {
    display: none;
  }
  .hero {
    grid-template-columns: 1fr;
    padding-top: 48px;
  }
  .hero-image {
    order: -1;
  }
  .article-layout {
    display: block;
  }
  .toc {
    display: none;
  }
  .related-grid {
    grid-template-columns: 1fr;
  }
  .author-card {
    grid-template-columns: 1fr;
  }
  .author-card figure {
    min-height: auto;
    aspect-ratio: 16 / 10;
  }
  .index-grid {
    grid-template-columns: 1fr;
  }
}
@media (max-width: 620px) {
  .site-header {
    height: 64px;
  }
  .header-cta {
    font-size: 12px;
  }
  .hero {
    padding: 30px 20px;
  }
  .hero h1 {
    font-size: 36px;
  }
  .hero-copy > p {
    font-size: 17px;
  }
  .hero-image {
    border-radius: 22px;
  }
  .article-layout {
    padding: 20px 20px 80px;
  }
  .prose section {
    margin-bottom: 64px;
  }
  .prose h2 {
    font-size: 26px;
  }
  .prose p {
    font-size: 16px;
  }
  .summary-card {
    padding: 26px 22px;
  }
  .hero-author small {
    max-width: 260px;
  }
  .author-card {
    border-radius: 22px;
  }
  .author-card-copy {
    padding: 28px 24px;
  }
  .checklist {
    grid-template-columns: 1fr;
  }
  .article-cta {
    padding: 40px 22px;
  }
  .article-cta h2 {
    font-size: 26px;
  }
  .index-grid > a {
    grid-template-columns: 1fr;
  }
  .index-grid img {
    height: 190px;
  }
  .index-hero {
    padding: 64px 0 48px;
  }
  .cluster-title h2 {
    font-size: 26px;
  }
  footer {
    align-items: flex-start;
    gap: 24px;
    flex-direction: column;
  }
}