:root{
  --navy:#123b73;
  --blue:#428fd1;
  --sky:#eef7ff;
  --line:#d9e9f8;
  --text:#18324b;
  --muted:#6b7d8e;
  --red:#d9505f;
  --yellow:#ffd668;
  --white:#fff;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:system-ui,-apple-system,"Apple SD Gothic Neo","Noto Sans KR",sans-serif;
  color:var(--text);
  background:linear-gradient(180deg,#f8fbff 0%,#edf7ff 100%);
}
a{color:inherit}
.site-shell{min-height:100vh;display:flex;flex-direction:column}
.header{
  position:sticky;top:0;z-index:20;
  backdrop-filter:blur(12px);
  background:rgba(248,251,255,.88);
  border-bottom:1px solid rgba(217,233,248,.9);
}
.header-inner{
  max-width:1120px;margin:auto;padding:14px 18px;
  display:flex;align-items:center;justify-content:space-between;gap:16px;
}
.brand{font-weight:900;text-decoration:none;color:var(--navy);font-size:20px}
.nav a{font-weight:750;text-decoration:none;color:var(--navy)}
.main{width:min(1120px,calc(100% - 32px));margin:28px auto 64px}
.hero{
  background:linear-gradient(135deg,#123b73,#1d5a9a);
  color:white;border-radius:30px;padding:42px 30px;
  box-shadow:0 18px 45px rgba(18,59,115,.18);
  text-align:center;position:relative;overflow:hidden
}
.hero:before,.hero:after{
  content:"";position:absolute;border-radius:50%;background:rgba(255,255,255,.08)
}
.hero:before{width:240px;height:240px;right:-80px;top:-100px}
.hero:after{width:180px;height:180px;left:-60px;bottom:-90px}
.hero h1{margin:0;font-size:clamp(32px,6vw,58px);line-height:1.12}
.hero h1 span{color:var(--yellow)}
.hero p{margin:14px auto 0;max-width:720px;font-size:18px;line-height:1.7;opacity:.9}
.grid{
  display:grid;grid-template-columns:repeat(2,minmax(0,1fr));
  gap:16px;margin-top:26px
}
.card{
  display:flex;align-items:center;gap:16px;
  min-height:110px;padding:20px;
  background:var(--white);border:1px solid var(--line);
  border-radius:22px;text-decoration:none;
  box-shadow:0 8px 24px rgba(26,75,117,.07);
  transition:.18s ease
}
.card:hover{transform:translateY(-3px);border-color:#8dbde6;box-shadow:0 14px 32px rgba(26,75,117,.12)}
.card.disabled{opacity:.72;cursor:default}
.num{
  flex:0 0 52px;height:52px;border-radius:50%;
  display:grid;place-items:center;background:var(--blue);
  color:white;font-size:22px;font-weight:900
}
.card-title{font-size:20px;font-weight:900;line-height:1.35}
.card-note{margin-top:5px;color:var(--muted);font-size:14px}
.arrow{margin-left:auto;font-size:30px;color:var(--blue)}
.section{
  margin-top:26px;background:white;border:1px solid var(--line);
  border-radius:26px;box-shadow:0 10px 30px rgba(26,75,117,.07);overflow:hidden
}
.section-head{
  padding:24px 26px;background:linear-gradient(135deg,#fff,#f2f8ff);
  border-bottom:1px solid var(--line)
}
.crumb{display:inline-block;margin-bottom:10px;color:var(--blue);font-weight:800;text-decoration:none}
.section h1{margin:0;color:var(--navy);font-size:clamp(30px,5vw,46px)}
.content{padding:26px}
.lead{
  margin:0;padding:20px 22px;border-left:5px solid var(--red);
  border-radius:14px;background:#fff5f6;
  font-size:21px;font-weight:850;line-height:1.65
}
.box{
  margin-top:18px;padding:20px 22px;background:#f8fbfe;
  border:1px solid #e2edf7;border-radius:18px
}
.box h2{margin:0 0 12px;color:var(--navy);font-size:22px}
.box p,.box li{line-height:1.75}
.notice{
  margin-top:18px;padding:16px 18px;border-radius:14px;
  background:#fffbea;border:1px solid #f3e4a6;color:#66541d
}
.pager{display:flex;justify-content:space-between;gap:12px;margin-top:22px;flex-wrap:wrap}
.btn{
  display:inline-block;padding:12px 16px;border-radius:13px;
  background:var(--navy);color:white;text-decoration:none;font-weight:850
}
.footer{margin-top:auto;background:#123b73;color:white}
.footer-inner{max-width:1120px;margin:auto;padding:22px 18px;opacity:.88;font-size:14px}
@media(max-width:720px){
  .grid{grid-template-columns:1fr}
  .hero{padding:34px 22px}
  .content{padding:20px}
  .card{min-height:96px}
}