*{box-sizing:border-box}
:root{--ink:#0f172a;--muted:#5b677a;--line:#dfe7f0;--bg:#f6f9fc;--card:#fff;--blue:#1d4ed8;--blue2:#eff6ff;--green:#0f8a55;--green2:#ecfdf5;--amber:#a16207;--amber2:#fffbeb;--navy:#10233f}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI","Noto Sans KR",sans-serif;color:var(--ink);background:var(--bg);line-height:1.72}
a{color:var(--blue)}
.wrap{max-width:1080px;margin:0 auto;padding:22px 18px 60px}
.top{display:flex;gap:16px;flex-wrap:wrap;align-items:center;justify-content:space-between;margin-bottom:18px}
.brand a{text-decoration:none;color:var(--ink);font-weight:900;font-size:19px}
.brand small{display:block;color:var(--muted);font-size:11px;font-weight:600;margin-top:2px}
nav{display:flex;gap:7px;flex-wrap:wrap}
nav a{text-decoration:none;color:#21467e;background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 11px;font-size:13px;font-weight:700}
nav a:hover{background:var(--blue2)}
.hero{background:linear-gradient(135deg,#eef6ff 0%,#f1fff7 100%);border:1px solid #d7e6f7;border-radius:24px;padding:34px;margin-bottom:18px}
.kicker{display:inline-block;font-size:12px;font-weight:800;color:var(--green);background:#fff;border:1px solid #bdebd6;border-radius:999px;padding:5px 10px;margin-bottom:10px}
h1{font-size:34px;line-height:1.25;margin:0 0 12px;letter-spacing:-.025em}
h2{font-size:22px;line-height:1.35;margin:0 0 12px}
h3{font-size:17px;margin:12px 0 6px}
.lead{font-size:17px;color:#334155;margin:0;max-width:840px}
.direct{margin-top:18px;background:#fff;border:1px solid #d8e5f2;border-left:5px solid var(--blue);border-radius:14px;padding:16px 18px;color:#25364f}
.grid{display:grid;grid-template-columns:minmax(0,2fr) minmax(250px,1fr);gap:18px}
@media(max-width:820px){.grid{grid-template-columns:1fr}h1{font-size:28px}.hero{padding:26px 22px}.top{align-items:flex-start}}
.card{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:23px;margin-bottom:16px;box-shadow:0 8px 24px rgba(15,23,42,.035)}
.card p:last-child{margin-bottom:0}
.bodytext{color:#334155}
.muted{color:var(--muted)}
.small{font-size:13px;color:var(--muted)}
.problem-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
@media(max-width:680px){.problem-grid{grid-template-columns:1fr}}
.problem{display:block;text-decoration:none;color:inherit;background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px}
.problem:hover{border-color:#b9cbea;box-shadow:0 8px 20px rgba(15,23,42,.05)}
.problem b{display:block;font-size:17px;margin-bottom:5px}
.problem span{color:var(--muted);font-size:14px}
.badge{display:inline-block;font-size:11px;font-weight:800;border-radius:999px;padding:4px 8px;margin-bottom:7px;background:var(--blue2);color:var(--blue)}
.badge.green{background:var(--green2);color:var(--green)}
.badge.amber{background:var(--amber2);color:var(--amber)}
.btns{display:flex;gap:9px;flex-wrap:wrap;margin-top:18px}
.btn{display:inline-block;text-decoration:none;background:var(--blue);color:#fff;border-radius:11px;padding:10px 14px;font-weight:800;font-size:14px}
.btn.alt{background:var(--green)}
.btn.ghost{background:#fff;color:var(--blue);border:1px solid #bfd0eb}
.quick{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin-top:12px}
.quick>div,.box{border:1px solid var(--line);border-radius:13px;padding:14px;background:#fbfdff;color:#334155}
.quick b,.box b{display:block;color:var(--ink);margin-bottom:3px}
@media(max-width:650px){.quick{grid-template-columns:1fr}}
.steps{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.step{border:1px solid var(--line);border-radius:14px;padding:15px;background:#fff}
.step>b:first-child{display:block;color:var(--blue);font-size:11px;margin-bottom:4px}
.step strong{display:block;margin-bottom:3px}
@media(max-width:650px){.steps{grid-template-columns:1fr}}
.compare{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.compare.three{grid-template-columns:repeat(3,minmax(0,1fr))}
.compare-box{border:1px solid var(--line);border-radius:15px;padding:17px;background:#fff}
.compare-box.no{border-top:4px solid #e59c24}.compare-box.yes{border-top:4px solid #1aa16d}
@media(max-width:720px){.compare,.compare.three{grid-template-columns:1fr}}
.note{background:#f8fbff;border:1px solid #dbeafe;border-radius:13px;padding:14px 16px;color:#334155}
.warning{background:var(--amber2);border:1px solid #fde7a9;border-radius:13px;padding:14px 16px;color:#5f4512}
.sourcebox{background:#f8fafc;border:1px solid var(--line);border-radius:14px;padding:16px}
.sourcebox ul{margin:7px 0 0;padding-left:20px}
.related{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.related a{display:block;text-decoration:none;border:1px solid var(--line);border-radius:12px;padding:12px;background:#fff;font-weight:700}
@media(max-width:650px){.related{grid-template-columns:1fr}}
details.faq{border:1px solid var(--line);border-radius:13px;background:#fff;margin:9px 0;overflow:hidden}
details.faq summary{cursor:pointer;list-style:none;padding:14px 16px;font-weight:800;display:flex;justify-content:space-between;gap:10px}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary:after{content:"＋";color:var(--blue);font-weight:900}
details.faq[open] summary:after{content:"－"}
details.faq p{margin:0;padding:0 16px 16px;color:#475569}
.breadcrumb{font-size:12px;color:var(--muted);margin-bottom:10px}
.breadcrumb a{color:var(--muted);text-decoration:none}
aside .card{padding:18px}
.mini-list{margin:0;padding-left:19px}.mini-list li{margin:6px 0}
.disclosure{font-size:13px;color:#526174;background:#f8fafc;border:1px dashed #cbd5e1;border-radius:13px;padding:12px 14px}
footer{margin-top:30px;border-top:1px solid var(--line);padding-top:20px;font-size:12px;color:var(--muted)}
footer .footlinks{display:flex;gap:12px;flex-wrap:wrap;margin-top:7px}
footer a{color:#526174}
table{width:100%;border-collapse:collapse;font-size:14px}
th,td{border:1px solid var(--line);padding:10px;vertical-align:top;text-align:left}
th{background:#f8fafc}


/* v4 — branch-promotional webzine layer */
.branchbar{display:flex;align-items:center;gap:10px;flex-wrap:wrap;background:#10233f;color:#fff;border-radius:13px;padding:9px 13px;margin:-4px 0 18px;font-size:12px}
.branchbar span{opacity:.82}.branchbar strong{font-size:13px}.branchbar a{color:#fff;text-decoration:none;font-weight:800}.branchbar a:last-child{margin-left:auto;border-left:1px solid rgba(255,255,255,.25);padding-left:12px}
.branch-cta,.branch-promo{border-color:#c8dcf7;background:linear-gradient(180deg,#ffffff 0%,#f7fbff 100%)}
.branch-cta-label{display:inline-block;color:#1d4ed8;background:#eff6ff;border:1px solid #cfe0fb;border-radius:999px;padding:4px 9px;font-size:11px;font-weight:900;margin-bottom:9px}
.branch-facts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:9px;margin-top:14px}
.branch-facts>div{border:1px solid #dfe7f0;background:#fff;border-radius:12px;padding:11px 12px}.branch-facts b{display:block;font-size:11px;color:#5b677a;margin-bottom:2px}.branch-facts span{display:block;color:#172033;font-weight:700;font-size:13px}
.promo-note{font-size:12px;color:#667085;margin:12px 0 0}.footer-nap{margin-top:8px;color:#526174}.footer-nap a{font-weight:800;margin-left:3px}
.disclosure-card{border-left:4px solid #1d4ed8}
@media(max-width:720px){.branch-facts{grid-template-columns:1fr}.branchbar a:last-child{margin-left:0;border-left:0;padding-left:0;width:100%}}


/* v4.1 — AEO/SEO evidence + structured-answer layer */
.aeo-answer{margin-top:18px}
.aeo-answer strong{display:inline-block;margin-right:4px;color:#10233f}
.official-sources{border-left:4px solid #0f8a55;background:linear-gradient(180deg,#fff 0%,#f7fffb 100%)}
.official-sources h2{font-size:19px}
.official-sources a{font-weight:750;text-underline-offset:3px}
.source-date{font-size:11px;color:#667085;margin-top:10px}