:root {
  --bg: #f4f7f8;
  --surface: #ffffff;
  --surface-soft: #eef8f6;
  --surface-warm: #fff5e4;
  --ink: #172026;
  --muted: #66727a;
  --line: #dfe7e5;
  --teal: #12b8a6;
  --teal-dark: #087f74;
  --coral: #ff785f;
  --blue: #2563eb;
  --blue-dark: #1d4ed8;
  --gold: #f5ad2f;
  --shadow: 0 18px 45px rgba(19, 32, 38, 0.11);
  --radius: 8px;
  --nav-height: 74px;
  font-family:
    Pretendard,
    -apple-system,
    BlinkMacSystemFont,
    "Segoe UI",
    "Noto Sans KR",
    sans-serif;
}

* {
  box-sizing: border-box;
}

[hidden] {
  display: none !important;
}

html {
  scroll-behavior: smooth;
}

body {
  min-width: 320px;
  margin: 0;
  overflow-x: hidden;
  background: var(--bg);
  color: var(--ink);
  letter-spacing: 0;
}

button,
input,
select,
textarea {
  font: inherit;
}

button {
  cursor: pointer;
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  display: block;
  max-width: 100%;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.promo-bar {
  position: sticky;
  top: 0;
  z-index: 30;
  min-height: 38px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 8px 14px;
  background: #132026;
  color: #ffffff;
  font-size: 13px;
  font-weight: 900;
}

.promo-bar a {
  border: 1px solid rgba(255, 255, 255, 0.36);
  border-radius: 999px;
  padding: 4px 10px;
  font-size: 12px;
}

.site-header {
  position: sticky;
  top: 38px;
  z-index: 25;
  background: rgba(244, 247, 248, 0.94);
  border-bottom: 1px solid rgba(223, 231, 229, 0.94);
  backdrop-filter: blur(16px);
}

.header-inner {
  width: min(1120px, 100%);
  min-height: 66px;
  margin: 0 auto;
  padding: 10px 16px;
  display: flex;
  align-items: center;
  gap: 12px;
}

.brand {
  min-width: 0;
  display: inline-flex;
  align-items: center;
  gap: 9px;
}

.brand-mark {
  width: 46px;
  height: 46px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  border: 1px solid rgba(37, 99, 235, 0.26);
  background: linear-gradient(135deg, var(--blue), #173b8f);
  color: #ffffff;
  font-size: 18px;
  font-weight: 950;
  letter-spacing: 0;
  box-shadow: 0 8px 18px rgba(37, 99, 235, 0.16);
}

.brand-copy {
  display: grid;
  gap: 2px;
}

.brand-copy strong {
  font-size: 17px;
  line-height: 1;
  letter-spacing: 0;
  white-space: nowrap;
}

.brand-copy small {
  color: var(--muted);
  font-size: 11px;
  white-space: nowrap;
}

.trust-badge {
  display: none;
  min-height: 30px;
  align-items: center;
  border: 1px solid rgba(37, 99, 235, 0.22);
  border-radius: var(--radius);
  background: #eff6ff;
  color: var(--blue-dark);
  padding: 6px 10px;
  font-size: 12px;
  font-weight: 900;
  white-space: nowrap;
}

.desktop-nav {
  display: none;
  align-items: center;
  gap: 14px;
  margin-left: 16px;
  color: var(--muted);
  font-size: 14px;
  font-weight: 900;
}

.desktop-nav a:hover {
  color: var(--teal-dark);
}

.site-search {
  flex: 1;
  max-width: 430px;
  margin-left: auto;
  display: none;
  align-items: center;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 4px 6px 4px 16px;
}

.site-search input {
  min-width: 0;
  width: 100%;
  border: 0;
  outline: 0;
  background: transparent;
}

.site-search button {
  width: 34px;
  height: 34px;
  border: 0;
  border-radius: 50%;
  background: var(--ink);
  color: #ffffff;
  font-size: 18px;
}

.site-main {
  width: min(1120px, 100%);
  margin: 0 auto;
  padding: 16px 16px calc(var(--nav-height) + 26px);
}

.page-stack {
  display: grid;
  gap: 24px;
}

.hero-layout {
  display: grid;
  gap: 14px;
}

.hero-card,
.quick-card,
.section-card,
.detail-card,
.notice-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.hero-card {
  overflow: hidden;
  box-shadow: var(--shadow);
}

.hero-copy {
  display: grid;
  gap: 14px;
  padding: 20px;
}

.eyebrow {
  margin: 0;
  color: var(--teal-dark);
  font-size: 12px;
  font-weight: 900;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

.hero-copy h1 {
  margin: 0;
  font-size: clamp(30px, 6.2vw, 54px);
  line-height: 1.05;
  letter-spacing: 0;
  overflow-wrap: anywhere;
  word-break: keep-all;
}

.hero-copy p:not(.eyebrow) {
  margin: 0;
  color: var(--muted);
  line-height: 1.65;
}

.hero-actions,
.detail-actions,
.card-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.primary-button,
.ghost-button,
.apply-link {
  min-height: 40px;
  border-radius: var(--radius);
  border: 1px solid transparent;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 10px 14px;
  font-size: 14px;
  font-weight: 900;
  white-space: nowrap;
}

.primary-button,
.apply-link {
  border-color: var(--blue);
  background: var(--blue);
  color: #ffffff;
  box-shadow: 0 8px 18px rgba(37, 99, 235, 0.18);
}

.primary-button:hover,
.apply-link:hover {
  border-color: var(--blue-dark);
  background: var(--blue-dark);
}

.ghost-button {
  background: #ffffff;
  border-color: var(--line);
  color: var(--ink);
}

.hero-media {
  position: relative;
  min-height: 220px;
  margin: 0;
  background: #dbe7e6;
}

.hero-media img {
  width: 100%;
  height: 100%;
  min-height: 220px;
  object-fit: cover;
}

.download-panel {
  position: absolute;
  left: 14px;
  right: 14px;
  bottom: 14px;
  display: grid;
  gap: 10px;
  padding: 12px;
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid rgba(255, 255, 255, 0.8);
  backdrop-filter: blur(10px);
}

.download-panel small,
.section-head span,
.mini-meta,
.notice-card p {
  color: var(--muted);
}

.store-row {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}

.store-row button {
  min-height: 34px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #ffffff;
  padding: 7px 12px;
  font-size: 12px;
  font-weight: 900;
}

.quick-card {
  display: grid;
  gap: 14px;
  padding: 16px;
}

.quick-card h2 {
  margin: 0 0 4px;
  font-size: 22px;
}

.category-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 10px;
}

.category-tile {
  min-height: 126px;
  display: grid;
  align-items: center;
  justify-items: center;
  gap: 8px;
  border: 1px solid rgba(18, 184, 166, 0.16);
  border-radius: var(--radius);
  background: linear-gradient(180deg, #f0fdfa 0%, #ffffff 100%);
  padding: 12px 10px;
  font-weight: 900;
  transition:
    border-color 160ms ease,
    background 160ms ease,
    transform 160ms ease;
}

.category-tile:nth-child(2) {
  border-color: rgba(255, 120, 95, 0.18);
  background: linear-gradient(180deg, #fff5f2 0%, #ffffff 100%);
}

.category-tile:nth-child(3) {
  border-color: rgba(37, 99, 235, 0.18);
  background: linear-gradient(180deg, #eff6ff 0%, #ffffff 100%);
}

.category-tile:hover {
  border-color: rgba(37, 99, 235, 0.28);
  transform: translateY(-1px);
}

.category-tile.active,
.filter-row a.active {
  border-color: rgba(18, 184, 166, 0.5);
  background: var(--surface-soft);
  color: var(--teal-dark);
}

.tile-illustration {
  width: 74px;
  height: 56px;
  object-fit: contain;
}

.tile-copy {
  min-width: 0;
  display: grid;
  justify-items: center;
  gap: 3px;
  text-align: center;
}

.tile-copy strong {
  color: var(--ink);
  font-size: 16px;
  line-height: 1.15;
}

.tile-copy small {
  color: var(--muted);
  font-size: 12px;
  font-weight: 800;
  line-height: 1.25;
}

.search-box {
  display: flex;
  gap: 8px;
  padding: 8px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #ffffff;
}

.search-box input {
  min-width: 0;
  flex: 1;
  border: 0;
  outline: 0;
  background: transparent;
  padding: 0 8px;
}

.search-box button {
  width: 44px;
  border: 0;
  border-radius: var(--radius);
  background: var(--ink);
  color: #ffffff;
}

.home-search-box {
  min-height: 42px;
  align-items: center;
  gap: 12px;
  padding: 0;
  border: 0;
  background: transparent;
}

.home-search-box input {
  min-height: 42px;
  padding: 0;
  color: var(--ink);
  font-size: 19px;
  font-weight: 900;
}

.home-search-box input::placeholder {
  color: #7f8b9a;
  opacity: 1;
}

.home-search-icon {
  position: relative;
  width: 18px;
  height: 18px;
  flex: 0 0 18px;
  border: 2px solid #8997a6;
  border-radius: 50%;
}

.home-search-icon::after {
  content: "";
  position: absolute;
  right: -6px;
  bottom: -4px;
  width: 8px;
  height: 2px;
  border-radius: 999px;
  background: #8997a6;
  transform: rotate(45deg);
  transform-origin: center;
}

.suggest-search-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 7px;
}

.suggest-search-row > span {
  margin-right: 6px;
  color: #8a98a8;
  font-size: 14px;
  font-weight: 900;
}

.suggest-search-row a {
  min-height: 28px;
  display: inline-flex;
  align-items: center;
  border: 1px solid #cfe3ff;
  border-radius: 6px;
  background: #e4f0ff;
  color: #0969ff;
  padding: 0 9px;
  font-size: 13px;
  font-weight: 900;
  white-space: nowrap;
}

.suggest-search-row a:hover {
  border-color: #93c5fd;
  background: #dbeafe;
}

.tag-row,
.filter-row {
  display: flex;
  gap: 8px;
  overflow-x: auto;
  padding-bottom: 2px;
  scrollbar-width: none;
}

.tag-row::-webkit-scrollbar,
.filter-row::-webkit-scrollbar {
  display: none;
}

.region-shortcuts {
  flex-wrap: wrap;
  overflow-x: visible;
  padding-bottom: 0;
}

.shortcut-group {
  display: grid;
  gap: 8px;
}

.shortcut-group > span {
  color: var(--muted);
  font-size: 13px;
  font-weight: 900;
}

.tag-row a,
.filter-row a {
  min-height: 40px;
  display: inline-flex;
  align-items: center;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: #ffffff;
  padding: 9px 13px;
  font-size: 14px;
  font-weight: 900;
  white-space: nowrap;
}

.region-shortcuts a {
  min-height: 36px;
  border-radius: var(--radius);
  padding: 8px 11px;
  font-size: 13px;
}

.region-filter {
  display: grid;
  gap: 8px;
}

.region-filter > span {
  color: var(--muted);
  font-size: 13px;
  font-weight: 900;
}

.section {
  display: grid;
  gap: 12px;
}

.result-notice {
  margin: 0;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.45;
}

.result-notice:empty {
  display: none;
}

.section-head {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 12px;
}

.section-head h2 {
  margin: 0 0 4px;
  font-size: 22px;
}

.more-link {
  color: var(--teal-dark);
  font-weight: 900;
}

.policy-list,
.issue-grid {
  display: grid;
  gap: 10px;
}

.policy-card {
  min-width: 0;
  display: grid;
  grid-template-columns: 76px 1fr;
  gap: 12px;
  padding: 12px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.policy-thumb {
  width: 76px;
  aspect-ratio: 1;
  display: grid;
  place-items: center;
  border-radius: var(--radius);
  border: 1px solid rgba(18, 184, 166, 0.16);
  background: linear-gradient(180deg, #f0fdfa 0%, #ffffff 100%);
  overflow: hidden;
}

.policy-thumb.support {
  border-color: rgba(18, 184, 166, 0.16);
  background: linear-gradient(180deg, #f0fdfa 0%, #ffffff 100%);
}

.policy-thumb.refund {
  border-color: rgba(255, 120, 95, 0.18);
  background: linear-gradient(180deg, #fff5f2 0%, #ffffff 100%);
}

.policy-thumb.loan {
  border-color: rgba(37, 99, 235, 0.18);
  background: linear-gradient(180deg, #eff6ff 0%, #ffffff 100%);
}

.policy-body {
  min-width: 0;
  display: grid;
  gap: 8px;
}

.meta-row,
.mini-meta {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 6px;
  font-size: 13px;
}

.badge {
  display: inline-flex;
  min-height: 24px;
  align-items: center;
  border-radius: 999px;
  background: var(--surface-soft);
  color: var(--teal-dark);
  padding: 4px 8px;
  font-size: 12px;
  font-weight: 900;
}

.badge.refund {
  background: #fff0ed;
  color: #b23e2e;
}

.badge.loan {
  background: #edf3ff;
  color: #255fb8;
}

.badge.deadline {
  background: var(--surface-warm);
  color: #8a5a00;
}

.policy-card h3,
.issue-card h3 {
  margin: 0;
  font-size: 16px;
  line-height: 1.35;
  overflow-wrap: anywhere;
}

.policy-card p,
.issue-card p {
  margin: 0;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.45;
}

.card-actions {
  justify-content: flex-start;
}

.card-actions button,
.card-actions .apply-link,
.card-actions .ghost-button {
  min-height: 34px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 7px 11px;
  font-size: 12px;
  font-weight: 900;
  box-shadow: none;
}

.card-actions button,
.card-actions .ghost-button {
  background: #ffffff;
  color: var(--ink);
}

.card-actions .apply-link {
  border-color: var(--blue);
  background: var(--blue);
  color: #ffffff;
}

.issue-card,
.empty-card,
.notice-card {
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--surface);
}

.issue-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.issue-card {
  min-height: 136px;
  display: grid;
  align-content: space-between;
}

.issue-visual {
  height: 36px;
  border-radius: var(--radius);
  background: linear-gradient(90deg, var(--teal), var(--coral));
}

.category-hero,
.detail-card,
.content-page {
  display: grid;
  gap: 16px;
  padding: 18px;
}

.category-hero h1,
.detail-head h1,
.content-page h1 {
  margin: 0;
  font-size: clamp(28px, 7vw, 46px);
  line-height: 1.12;
}

.detail-card {
  grid-template-columns: 1fr;
}

.detail-head,
.detail-section {
  display: grid;
  gap: 12px;
}

.detail-head p,
.detail-section p,
.content-page p,
.content-page li {
  color: var(--muted);
  line-height: 1.7;
}

.benefit-summary {
  display: grid;
  gap: 6px;
  padding: 16px;
  border-radius: var(--radius);
  background: var(--surface-soft);
}

.benefit-summary strong {
  font-size: 30px;
}

.detail-grid {
  display: grid;
  gap: 8px;
}

.detail-row {
  display: grid;
  grid-template-columns: 112px 1fr;
  gap: 10px;
  padding: 10px 0;
  border-bottom: 1px solid var(--line);
}

.detail-row dt {
  color: var(--muted);
  font-size: 13px;
  font-weight: 900;
}

.detail-row dd {
  margin: 0;
  line-height: 1.5;
}

.field {
  display: grid;
  gap: 6px;
}

.field label {
  color: var(--muted);
  font-size: 12px;
  font-weight: 900;
}

.field input,
.field textarea {
  width: 100%;
  min-height: 44px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #ffffff;
  padding: 10px 12px;
  outline: 0;
}

.field textarea {
  min-height: 96px;
  resize: vertical;
}

.bottom-nav {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 28;
  height: var(--nav-height);
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  padding: 8px max(8px, env(safe-area-inset-left)) calc(8px + env(safe-area-inset-bottom))
    max(8px, env(safe-area-inset-right));
  background: rgba(255, 255, 255, 0.96);
  border-top: 1px solid var(--line);
  box-shadow: 0 -12px 30px rgba(19, 32, 38, 0.1);
  backdrop-filter: blur(16px);
}

.bottom-nav a {
  min-width: 0;
  display: grid;
  justify-items: center;
  align-content: center;
  gap: 4px;
  color: var(--muted);
  font-size: 11px;
  font-weight: 900;
}

.bottom-nav a.active {
  color: var(--teal-dark);
}

.nav-dot {
  width: 22px;
  height: 22px;
  position: relative;
}

.nav-dot::before,
.nav-dot::after {
  content: "";
  position: absolute;
  border-radius: 3px;
  background: currentColor;
}

.nav-home::before {
  width: 18px;
  height: 13px;
  left: 2px;
  bottom: 2px;
}

.nav-home::after {
  width: 13px;
  height: 13px;
  left: 4px;
  top: 0;
  transform: rotate(45deg);
}

.nav-doc::before {
  width: 16px;
  height: 18px;
  left: 3px;
  top: 2px;
}

.nav-doc::after {
  width: 10px;
  height: 3px;
  left: 6px;
  top: 8px;
  background: #ffffff;
  box-shadow: 0 5px 0 #ffffff;
}

.site-footer {
  width: min(1120px, 100%);
  margin: 0 auto;
  padding: 28px 16px calc(var(--nav-height) + 28px);
  color: var(--muted);
  font-size: 13px;
  line-height: 1.7;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 16px;
  margin-top: 12px;
}

.footer-links a {
  font-weight: 900;
}

.toast {
  position: fixed;
  left: 16px;
  right: 16px;
  bottom: calc(var(--nav-height) + 16px);
  z-index: 60;
  max-width: 480px;
  margin: 0 auto;
  padding: 13px 16px;
  border-radius: var(--radius);
  background: #132026;
  color: #ffffff;
  font-weight: 900;
  box-shadow: var(--shadow);
}

@media (max-width: 480px) {
  .brand-copy small {
    display: none;
  }

  .hero-copy h1 {
    word-break: keep-all;
  }
}

@media (min-width: 760px) {
  .desktop-nav,
  .site-search {
    display: flex;
  }

  .trust-badge {
    display: inline-flex;
  }

  .site-main {
    padding-bottom: calc(var(--nav-height) + 54px);
  }

  .bottom-nav {
    left: 50%;
    right: auto;
    bottom: 18px;
    width: min(620px, calc(100% - 32px));
    height: 66px;
    transform: translateX(-50%);
    border: 1px solid var(--line);
    border-radius: 999px;
    padding: 8px;
  }

  .hero-layout {
    grid-template-columns: minmax(0, 1.35fr) minmax(320px, 0.65fr);
  }

  .hero-card {
    display: grid;
    grid-template-columns: minmax(0, 1.05fr) minmax(330px, 0.95fr);
  }

  .hero-media,
  .hero-media img {
    min-height: 100%;
  }

  .policy-list.featured-list {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .issue-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .detail-card {
    grid-template-columns: minmax(0, 1fr) 290px;
    align-items: start;
  }

  .detail-section {
    grid-column: 1 / -1;
  }
}

@media (min-width: 1040px) {
  .policy-list.full-list {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .policy-list.full-list .policy-card {
    grid-template-columns: 1fr;
  }

  .policy-list.full-list .policy-thumb {
    width: 100%;
    aspect-ratio: 2.1 / 1;
  }

  .policy-list.full-list .policy-thumb .tile-illustration {
    width: 96px;
    height: 72px;
  }
}