:root{
  --primary:#1e6bff;
  --primary-dark:#0a47c2;
  --primary-light:#e8f0ff;
  --accent:#ffb800;
  --text:#1a1f36;
  --muted:#5b6478;
  --bg:#ffffff;
  --bg-alt:#f5f8ff;
  --border:#e3e8f4;
  --radius:14px;
  --shadow:0 8px 24px rgba(30,107,255,.08);
  --shadow-lg:0 16px 48px rgba(30,107,255,.18);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:'Pretendard','Apple SD Gothic Neo','Noto Sans KR',sans-serif;
  color:var(--text);background:var(--bg);line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block;border-radius:10px}
a{color:var(--primary);text-decoration:none}
.container{max-width:1180px;margin:0 auto;padding:0 20px}

/* HEADER */
.header{position:sticky;top:0;background:rgba(255,255,255,.95);backdrop-filter:blur(8px);border-bottom:1px solid var(--border);z-index:50}
.header__inner{display:flex;justify-content:space-between;align-items:center;height:64px}
.logo{display:flex;align-items:center;gap:10px;color:var(--text);font-weight:800;font-size:18px}
.logo img{border-radius:8px}
.nav{display:flex;gap:24px}
.nav a{color:var(--muted);font-weight:500;font-size:15px}
.nav a:hover{color:var(--primary)}
@media (max-width:640px){.nav{gap:14px;font-size:13px}.nav a{font-size:13px}}

/* HERO */
.hero{background:linear-gradient(135deg,#e8f0ff 0%,#f5f8ff 50%,#fff 100%);padding:64px 0 80px;overflow:hidden}
.hero--alt{background:linear-gradient(135deg,#fff5e0 0%,#e8f0ff 100%)}
.hero__inner{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;align-items:center}
.hero__text h1{font-size:44px;line-height:1.2;font-weight:900;margin:16px 0 20px;letter-spacing:-.02em}
.gradient{background:linear-gradient(90deg,var(--primary) 0%,#5b9bff 100%);-webkit-background-clip:text;background-clip:text;color:transparent}
.lead{font-size:17px;color:var(--muted);margin-bottom:28px}
.badge{display:inline-block;background:var(--primary);color:#fff;padding:6px 14px;border-radius:999px;font-size:13px;font-weight:600}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:24px}
.hero__meta{list-style:none;display:flex;gap:18px;flex-wrap:wrap;color:var(--muted);font-size:14px}
.hero__visual img{box-shadow:var(--shadow-lg)}
.hero__counter{margin-top:16px;color:var(--muted);font-size:14px}
.hero__counter strong{color:var(--primary);font-size:18px;font-weight:800}
@media (max-width:840px){.hero__inner{grid-template-columns:1fr;gap:32px}.hero__text h1{font-size:32px}.hero{padding:40px 0 56px}}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;justify-content:center;padding:14px 28px;border-radius:999px;font-weight:700;font-size:15px;border:none;cursor:pointer;transition:transform .15s,box-shadow .2s;text-decoration:none}
.btn--primary{background:linear-gradient(135deg,var(--primary) 0%,var(--primary-dark) 100%);color:#fff;box-shadow:var(--shadow)}
.btn--primary:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg);color:#fff}
.btn--ghost{background:transparent;color:var(--primary);border:2px solid var(--primary)}
.btn--ghost:hover{background:var(--primary-light)}
.btn--lg{padding:18px 40px;font-size:17px}

/* SECTION */
.section{padding:72px 0}
.section--alt{background:var(--bg-alt)}
.section__title{font-size:32px;font-weight:800;text-align:center;margin-bottom:8px;letter-spacing:-.02em}
.section__sub{text-align:center;color:var(--muted);margin-bottom:40px;font-size:16px}
.center{text-align:center}

/* GRID & CARDS */
.grid{display:grid;gap:24px}
.grid--2{grid-template-columns:1fr 1fr}
.grid--3{grid-template-columns:repeat(3,1fr)}
@media (max-width:840px){.grid--3{grid-template-columns:1fr}.grid--2{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:24px;transition:transform .2s,box-shadow .2s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.card img{margin-bottom:16px;aspect-ratio:16/10;object-fit:cover}
.card h3{font-size:20px;font-weight:700;margin-bottom:8px}
.card p{color:var(--muted);font-size:15px}

/* BENEFIT */
.benefit{background:#fff;padding:32px;border-radius:var(--radius);border:1px solid var(--border)}
.benefit h3{font-size:22px;margin-bottom:12px}
.benefit p{color:var(--muted);margin-bottom:16px}
.benefit ul{list-style:none;padding-left:0}
.benefit ul li{padding:6px 0 6px 24px;position:relative;color:var(--text)}
.benefit ul li::before{content:"✓";position:absolute;left:0;color:var(--primary);font-weight:bold}

/* STEPS */
.steps{list-style:none;display:flex;flex-direction:column;gap:20px;max-width:760px;margin:0 auto 32px}
.steps li{display:flex;gap:20px;background:#fff;padding:20px 24px;border-radius:var(--radius);border:1px solid var(--border)}
.step__num{width:44px;height:44px;flex:0 0 44px;border-radius:50%;background:var(--primary);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px}
.steps h3{font-size:18px;margin-bottom:4px}
.steps p{color:var(--muted);font-size:15px}

/* TABLE */
.table-wrap{overflow-x:auto;border-radius:var(--radius);border:1px solid var(--border);background:#fff;box-shadow:var(--shadow)}
.ctable{width:100%;border-collapse:collapse;min-width:600px}
.ctable th,.ctable td{padding:14px 16px;text-align:center;border-bottom:1px solid var(--border);font-size:15px}
.ctable th{background:var(--primary);color:#fff;font-weight:700}
.ctable tr.hl{background:#fff8e1}
.ctable tr.hl td{font-weight:600}
.note{color:var(--muted);font-size:13px;text-align:center;margin-top:12px}

/* CALC */
.calc{max-width:680px;margin:0 auto;background:#fff;padding:32px;border-radius:var(--radius);border:1px solid var(--border);box-shadow:var(--shadow)}
.calc__row{margin-bottom:20px}
.calc__row label{display:block;font-weight:600;margin-bottom:8px;font-size:15px}
.calc__row input,.calc__row select{width:100%;padding:12px 14px;border:1px solid var(--border);border-radius:10px;font-size:15px;font-family:inherit}
.calc__row input:focus,.calc__row select:focus{outline:none;border-color:var(--primary)}
.calc__result{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:24px}
@media (max-width:640px){.calc__result{grid-template-columns:1fr}}
.calc__box{background:var(--bg-alt);padding:18px;border-radius:10px;text-align:center}
.calc__box.hl{background:var(--primary-light)}
.calc__box.save{background:linear-gradient(135deg,#fff8e1,#ffefc4);color:var(--text)}
.calc__box span{display:block;font-size:13px;color:var(--muted);margin-bottom:6px}
.calc__box strong{font-size:20px;font-weight:800;color:var(--primary)}
.calc__box.save strong{color:#d97706}

/* SPLIT */
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
@media (max-width:840px){.split{grid-template-columns:1fr}}
.split h2{font-size:28px;margin-bottom:16px}
.split p{color:var(--muted);margin-bottom:16px}
.check{list-style:none}
.check li{padding:6px 0 6px 28px;position:relative}
.check li::before{content:"✓";position:absolute;left:0;color:var(--primary);font-weight:bold;font-size:18px}

/* FAQ */
.faq{background:#fff;border:1px solid var(--border);border-radius:10px;padding:16px 20px;margin-bottom:10px;max-width:840px;margin-left:auto;margin-right:auto}
.faq summary{cursor:pointer;font-weight:600;font-size:16px;list-style:none;position:relative;padding-right:24px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;color:var(--primary);font-size:22px;font-weight:300}
.faq[open] summary::after{content:"−"}
.faq p{margin-top:12px;color:var(--muted);font-size:15px}

/* FOOTER */
.footer{background:#0e1525;color:#fff;padding:40px 0;text-align:center}
.footer p{margin-bottom:6px;font-size:14px}
.footer .muted{color:#8390ab;font-size:13px}