:root{--navy:#102a43;--blue:#1769aa;--sky:#eaf5ff;--ink:#182230;--muted:#617386;--line:#dce6ef;--lime:#c9f36b}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,"Noto Sans KR",sans-serif;color:var(--ink);line-height:1.6;background:#f7faff}
.wrap{width:min(1120px,calc(100% - 40px));margin:auto}header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.nav{height:74px;display:flex;align-items:center;justify-content:space-between}.brand{font-size:25px;font-weight:900;letter-spacing:-1px;color:var(--navy);text-decoration:none}.brand span{color:var(--blue)}.nav-cta{background:var(--navy);color:white;text-decoration:none;padding:11px 19px;border-radius:999px;font-weight:800;font-size:14px}
.hero{padding:62px 0 48px;background:linear-gradient(125deg,#eaf5ff,#f8fbff 55%,#e4efff)}.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;align-items:center;gap:36px}.eyebrow{display:inline-flex;align-items:center;gap:8px;background:white;border:1px solid #d4e6f8;color:var(--blue);padding:7px 13px;border-radius:999px;font-weight:800;font-size:13px}.eyebrow i{width:8px;height:8px;border-radius:50%;background:#35b779}
h1{font-size:clamp(36px,5vw,59px);line-height:1.15;letter-spacing:-2px;margin:20px 0 18px;color:var(--navy)}h1 em{font-style:normal;color:var(--blue)}.hero p{font-size:17px;color:#53687b;max-width:560px;margin:0 0 26px}.actions{display:flex;flex-wrap:wrap;gap:12px}.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:12px;padding:15px 21px;text-decoration:none;font-weight:900;border:1px solid transparent}.primary{background:var(--blue);color:white}.light{background:white;border-color:var(--line);color:var(--navy)}
.hero-card{background:var(--navy);color:white;border-radius:28px;padding:28px;box-shadow:0 18px 48px #102a431f}.hero-card>small{color:#b8d5ec;font-weight:700}.hero-card h2{font-size:27px;line-height:1.35;margin:8px 0 22px}.step{display:flex;align-items:center;gap:13px;background:#ffffff12;border:1px solid #ffffff1c;border-radius:14px;padding:13px;margin-top:12px}.step>b{width:34px;height:34px;display:grid;place-items:center;background:var(--lime);color:var(--navy);border-radius:10px;flex-shrink:0}.step strong,.step small{display:block}.step strong{font-size:14px}.step small,.fine{color:#c5d6e5}.fine{font-size:12px;margin:18px 0 0}
.trust{background:white;border-bottom:1px solid var(--line)}.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;padding:22px 0}.trust-grid>div{display:flex;gap:12px;align-items:center;font-size:22px}.trust-grid span{display:grid}.trust-grid b{font-size:14px;color:var(--navy)}.trust-grid small{font-size:12px;color:var(--muted)}
section{padding:68px 0}.section-head{text-align:center;max-width:680px;margin:0 auto 34px}.section-head>small,.apply-copy>small{font-size:12px;letter-spacing:1.8px;color:var(--blue);font-weight:900}.section-head h2{font-size:clamp(28px,3vw,39px);line-height:1.25;letter-spacing:-1.3px;margin:8px 0 12px;color:var(--navy)}.section-head p{margin:0;color:var(--muted)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.cards article{background:white;border:1px solid var(--line);border-radius:22px;padding:25px;box-shadow:0 8px 24px #102a4308}.cards article>b{font-size:28px}.cards h3{margin:14px 0 8px;font-size:19px;color:var(--navy)}.cards p{margin:0;color:var(--muted);font-size:14px}
.dark{background:var(--navy);color:white}.dark .section-head h2{color:white}.dark .section-head p{color:#c2d4e3}.dark .section-head>small{color:var(--lime)}.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.steps-grid article{padding:22px 18px;border:1px solid #ffffff25;background:#ffffff0b;border-radius:18px}.steps-grid b{color:var(--lime);font-size:13px}.steps-grid h3{margin:10px 0 6px;font-size:17px}.steps-grid p{margin:0;color:#c2d4e3;font-size:13px}
.apply-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:30px;align-items:start}.apply-copy{background:var(--sky);border-radius:24px;padding:28px}.apply-copy h2{font-size:30px;line-height:1.3;color:var(--navy);margin:8px 0 14px}.apply-copy p{color:#526a7e;font-size:14px}.apply-copy ul{padding-left:20px;color:#526a7e;font-size:14px}.apply-copy li{margin:8px 0}.notice{background:#fff6dd;color:#725b21;border:1px solid #f0dfaa;border-radius:12px;padding:13px 15px;font-size:12px;margin-top:20px}
form{background:white;border:1px solid var(--line);border-radius:24px;padding:28px;box-shadow:0 18px 48px #102a431f}form h3{margin:0 0 5px;font-size:23px;color:var(--navy)}.sub{margin:0 0 22px;color:var(--muted);font-size:13px}form>label:not(.consent){display:block;font-size:13px;font-weight:800;margin:0 0 15px}input,select,textarea{display:block;width:100%;margin-top:7px;border:1px solid #ccd9e5;border-radius:10px;padding:13px 12px;font:inherit;font-size:14px;background:white;color:var(--ink)}input:focus,select:focus,textarea:focus{outline:3px solid #1769aa22;border-color:var(--blue)}.consent{display:flex;gap:9px;align-items:flex-start;color:var(--muted);font-size:12px;margin:14px 0}.consent input{width:16px;height:16px;margin-top:3px;flex-shrink:0}.submit{width:100%;border:0;border-radius:12px;padding:16px;background:var(--blue);color:white;font-weight:900;font-size:16px;cursor:pointer}#formMessage{font-size:13px;color:#17613d}.faq{padding-top:0}.faq-list{max-width:800px;margin:auto;display:grid;gap:12px}details{background:white;border:1px solid var(--line);border-radius:14px;padding:17px 20px}summary{font-weight:800;color:var(--navy);cursor:pointer}details p{font-size:14px;color:var(--muted);margin:12px 0 0}
footer{background:#081d30;color:#c1d1df;padding:35px 0;font-size:12px}.footer-brand{font-size:21px;font-weight:900;color:white}.legal{border-top:1px solid #ffffff22;padding-top:18px;line-height:1.8}.admin-link{display:inline-block;margin-top:18px;color:#d4e9ff}
@media(max-width:800px){.hero{padding:42px 0 35px}.hero-grid,.apply-grid{grid-template-columns:1fr}.hero-card{margin-top:8px}.trust-grid{grid-template-columns:1fr;gap:13px}.cards{grid-template-columns:1fr}.steps-grid{grid-template-columns:1fr 1fr}section{padding:50px 0}.nav{height:66px}}
@media(max-width:480px){.wrap{width:calc(100% - 28px)}.nav-cta{padding:10px 13px;font-size:12px}.hero p{font-size:15px}.hero-card{padding:22px}.steps-grid{grid-template-columns:1fr}form{padding:21px}.apply-copy{padding:22px}.actions .btn{width:100%}}