:root {
  color-scheme: light;
  --ink: #102130;
  --muted: #52616d;
  --paper: #f5f3ed;
  --panel: #ffffff;
  --line: #d8d9d5;
  --navy: #12364f;
  --blue: #1f5f82;
  --amber: #ef9f27;
  --soft: #e8f0f4;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Pretendard", "Noto Sans KR", "Malgun Gothic", sans-serif;
  color: var(--ink);
  background:
    linear-gradient(rgba(18, 54, 79, .035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(18, 54, 79, .035) 1px, transparent 1px),
    var(--paper);
  background-size: 26px 26px;
  line-height: 1.65;
}

a { color: inherit; }

.wrap { width: min(1120px, calc(100% - 40px)); margin: 0 auto; }

header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(245, 243, 237, .94);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}

nav { min-height: 72px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }

.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; font-weight: 800; letter-spacing: -.03em; }
.brand-mark { width: 38px; height: 38px; display: grid; place-items: center; background: var(--navy); color: #fff; border-radius: 8px 8px 13px 8px; font-size: 17px; }
.brand small { display: block; color: var(--muted); font-size: 11px; font-weight: 600; letter-spacing: .06em; }

.nav-links { display: flex; gap: 24px; align-items: center; font-size: 14px; }
.nav-links a { text-decoration: none; color: var(--muted); }
.nav-links a:hover { color: var(--navy); }

.hero { padding: 84px 0 54px; }
.hero-grid { display: grid; grid-template-columns: 1.12fr .88fr; gap: 60px; align-items: center; }
.eyebrow { display: inline-flex; gap: 8px; align-items: center; color: var(--blue); font-weight: 800; font-size: 14px; letter-spacing: .02em; }
.eyebrow::before { content: ""; width: 28px; height: 3px; background: var(--amber); border-radius: 2px; }
h1 { margin: 18px 0 22px; max-width: 760px; font-size: clamp(42px, 6.2vw, 76px); line-height: 1.08; letter-spacing: -.055em; }
.hero p { margin: 0; max-width: 650px; color: var(--muted); font-size: 19px; }
.actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }
.button { display: inline-flex; min-height: 48px; align-items: center; justify-content: center; padding: 0 20px; border-radius: 8px; text-decoration: none; font-weight: 800; border: 1px solid var(--navy); }
.button.primary { color: #fff; background: var(--navy); }
.button.secondary { background: transparent; }

.ledger {
  position: relative;
  background: var(--panel);
  border: 1px solid #cfd5d8;
  box-shadow: 16px 18px 0 rgba(18, 54, 79, .08);
  border-radius: 14px;
  overflow: hidden;
}
.ledger::before { content: ""; position: absolute; left: 54px; top: 0; bottom: 0; width: 2px; background: rgba(239, 159, 39, .65); }
.ledger-head { padding: 24px 28px 18px 78px; background: var(--navy); color: #fff; }
.ledger-head strong { font-size: 20px; }
.ledger-head span { display: block; color: #c9d7df; font-size: 13px; }
.record { padding: 22px 26px 22px 78px; border-top: 1px solid #e3e6e7; }
.record small { color: var(--blue); font-weight: 800; }
.record strong { display: block; margin-top: 4px; }
.record p { margin: 4px 0 0; font-size: 14px; color: var(--muted); }

.band { margin-top: 40px; padding: 28px 0; color: #fff; background: var(--navy); }
.band-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.band strong { display: block; font-size: 22px; }
.band span { color: #c9d7df; font-size: 14px; }

section { padding: 86px 0; }
.section-title { max-width: 690px; margin-bottom: 34px; }
.section-title h2 { margin: 0 0 12px; font-size: clamp(30px, 4vw, 46px); line-height: 1.18; letter-spacing: -.04em; }
.section-title p { margin: 0; color: var(--muted); font-size: 17px; }

.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.card { min-height: 230px; padding: 28px; background: var(--panel); border: 1px solid var(--line); border-radius: 12px; }
.num { color: var(--amber); font-weight: 900; font-size: 13px; letter-spacing: .08em; }
.card h3 { margin: 38px 0 9px; font-size: 22px; }
.card p { margin: 0; color: var(--muted); font-size: 15px; }

.flow { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: 12px; overflow: hidden; }
.step { padding: 28px 24px; background: #fff; }
.step b { display: grid; width: 34px; height: 34px; place-items: center; color: #fff; background: var(--blue); border-radius: 50%; }
.step h3 { margin: 22px 0 8px; font-size: 18px; }
.step p { margin: 0; color: var(--muted); font-size: 14px; }

.notice { padding: 30px; background: var(--soft); border-left: 4px solid var(--blue); border-radius: 8px; }
.notice h3 { margin: 0 0 8px; }
.notice p { margin: 0; color: var(--muted); }

footer { padding: 42px 0 50px; color: #d7e0e6; background: #0c2638; }
.footer-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 34px; }
footer strong { color: #fff; font-size: 18px; }
footer p { margin: 10px 0 0; font-size: 14px; }
.legal-links { display: flex; flex-wrap: wrap; gap: 16px; margin-top: 16px; }
.legal-links a { color: #fff; font-size: 14px; }
.copyright { margin-top: 30px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.14); font-size: 12px; color: #9eb0bc; }

.document { padding: 68px 0 90px; }
.document article { max-width: 820px; padding: 44px; background: #fff; border: 1px solid var(--line); border-radius: 12px; }
.document h1 { font-size: 40px; margin-top: 0; }
.document h2 { margin-top: 34px; font-size: 21px; }
.document p, .document li { color: #3e4b55; }
.document .meta { color: var(--muted); font-size: 14px; }

@media (max-width: 820px) {
  .nav-links a:not(.button) { display: none; }
  .hero { padding-top: 56px; }
  .hero-grid, .footer-grid { grid-template-columns: 1fr; }
  .ledger { max-width: 580px; }
  .band-grid, .cards { grid-template-columns: 1fr; }
  .flow { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 520px) {
  .wrap { width: min(100% - 26px, 1120px); }
  nav { min-height: 64px; }
  .brand small { display: none; }
  .button { width: 100%; }
  .hero { padding-top: 42px; }
  .hero p { font-size: 17px; }
  .ledger::before { left: 34px; }
  .ledger-head, .record { padding-left: 54px; }
  .flow { grid-template-columns: 1fr; }
  section { padding: 64px 0; }
  .document article { padding: 28px 20px; }
}