:root {
  --navy: #0B1F3A;
  --gold: #C9A24D;
  --ivory: #F4F1EA;
  --white: #FFFFFF;
  --ink: #1B1F24;
  --muted: #5B6472;
  --line: #E2DDD0;
  --radius: 12px;
  --navy-hover: #14325c;
  --gold-line: rgba(201, 162, 77, .4);
  --ivory-soft: rgba(244, 241, 234, .7);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: "Pretendard Variable", Pretendard, -apple-system, "Noto Sans KR", "Malgun Gothic", sans-serif;
  font-size: 16px;
  line-height: 1.75;
  color: var(--ink);
  background: var(--white);
  word-break: keep-all;
}
img, svg { max-width: 100%; height: auto; }
a { color: var(--navy); }
h1, h2, h3 { line-height: 1.35; color: var(--navy); margin: 0 0 .6em; }
p { margin: 0 0 1em; }
ul { margin: 0; padding: 0; list-style: none; }

.container { width: 100%; max-width: 1080px; margin: 0 auto; padding: 0 20px; }
.skip-link { position: absolute; left: -9999px; }
:focus-visible { outline: 2px solid var(--navy); outline-offset: 2px; }
.site-footer :focus-visible, .cta :focus-visible, .cta-bar :focus-visible, .rates thead th:focus-visible { outline-color: var(--gold); }
.skip-link:focus { left: 8px; top: 8px; background: var(--white); padding: 8px 12px; z-index: 100; }

/* 버튼 */
.btn {
  display: inline-block; padding: 10px 20px; border-radius: 999px; border: 1px solid transparent;
  font: inherit; font-weight: 600; text-decoration: none; cursor: pointer; text-align: center;
}
.btn--primary { background: var(--navy); color: var(--white); }
.btn--primary:hover { background: var(--navy-hover); }
.btn--ghost { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn--ghost:hover { background: var(--ivory); }

/* 헤더 */
.site-header { background: var(--white); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 50; }
.site-header__inner { display: flex; align-items: center; justify-content: space-between; min-height: 60px; }
.brand { display: inline-flex; align-items: center; gap: 9px; font-weight: 800; font-size: 1.15rem; letter-spacing: -.02em; color: var(--navy); text-decoration: none; white-space: nowrap; }
.brand__mark { width: 30px; height: 30px; flex: none; }
.brand__sub { color: #8A6B22; font-weight: 700; }
.nav-toggle { display: inline-flex; flex-direction: column; gap: 5px; background: none; border: 0; padding: 10px; cursor: pointer; }
.nav-toggle__bar { width: 22px; height: 2px; background: var(--navy); display: block; }
.site-nav { display: none; position: absolute; left: 0; right: 0; top: 100%; background: var(--white); border-bottom: 1px solid var(--line); padding: 12px 20px 20px; }
.nav-open .site-nav { display: block; }
.site-nav ul { margin-bottom: 12px; }
.site-nav li a { display: block; padding: 10px 0; color: var(--ink); text-decoration: none; font-weight: 500; }
.site-nav li a:hover { color: var(--navy); text-decoration: underline; text-decoration-color: var(--gold); }
.site-nav .btn { display: block; }

/* 푸터 */
.site-footer { background: var(--navy); color: var(--ivory); padding: 40px 0; margin-top: 64px; font-size: .9rem; }
.site-footer a { color: var(--gold); }
.site-footer__brand { font-weight: 800; font-size: 1.05rem; color: var(--white); }
.site-footer__org li { margin-bottom: 2px; }
.site-footer__disclaimer { margin-top: 16px; padding-top: 16px; border-top: 1px solid var(--gold-line); }
.site-footer__updated { color: var(--ivory-soft); margin: 0; }

/* 컴포넌트 */
.callout { background: var(--ivory); border-left: 4px solid var(--navy); border-radius: 0 var(--radius) var(--radius) 0; padding: 16px 20px; margin: 24px 0; }
.callout--warning { border-left-color: var(--gold); }
.card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; }
.grid { display: grid; gap: 16px; grid-template-columns: 1fr; }

@media (min-width: 768px) {
  body { font-size: 17px; }
  .grid--2, .grid--3 { grid-template-columns: repeat(2, 1fr); }
}

@media (min-width: 1024px) {
  .nav-toggle { display: none; }
  .site-nav { display: flex; position: static; align-items: center; gap: 24px; border: 0; padding: 0; background: none; }
  .site-nav ul { display: flex; gap: 20px; margin: 0; }
  .site-nav .btn { display: inline-block; }
  .grid--3 { grid-template-columns: repeat(3, 1fr); }
}

/* 메인 페이지 */
.hero { background: var(--ivory); padding: 40px 0; }
.hero__inner { display: grid; gap: 24px; }
.hero__label { display: inline-block; margin: 0 0 12px; padding: 2px 0; font-weight: 600; font-size: .9rem; color: var(--navy); border-bottom: 2px solid var(--gold); }
.hero h1 { font-size: 1.75rem; }
.hero__desc { color: var(--muted); }
.hero__label--org { display: inline-flex; align-items: center; gap: 8px; font-size: 1rem; font-weight: 700; }
.hero__label--org img { width: auto; height: 28px; }
.hero__services { list-style: none; margin: 20px 0 24px; padding: 0; display: grid; gap: 10px; }
.hero__services li { display: grid; gap: 2px; padding: 14px 16px; background: var(--white); border: 1px solid var(--line); border-left: 4px solid var(--gold); border-radius: var(--radius); }
.hero__services strong { color: var(--navy); font-size: 1.05rem; }
.hero__services span { color: var(--muted); font-size: .92rem; }
.btn--lg { padding: 14px 26px; font-size: 1.05rem; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 12px; }
.hero__img { width: 100%; border-radius: var(--radius); }

.section { padding: 48px 0 0; }
.section--ivory { background: var(--ivory); padding-bottom: 48px; margin-top: 48px; }

.rate-strip__list { display: grid; gap: 12px; grid-template-columns: repeat(2, 1fr); }
.rate-strip__list li { background: var(--white); border: 1px solid var(--line); border-top: 3px solid var(--gold); border-radius: var(--radius); padding: 14px 16px; display: flex; flex-direction: column; gap: 2px; }
.rate__voucher { font-weight: 600; color: var(--navy); font-size: .95rem; }
.rate__value { font-weight: 800; font-size: 1.15rem; color: var(--ink); }
.rate__asof { font-size: .85rem; color: var(--muted); }
.rate-strip__more { margin-top: 12px; }

.topic-grid { display: grid; gap: 16px; grid-template-columns: repeat(2, 1fr); }
.topic-card { position: relative; display: block; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 12px; text-decoration: none; color: var(--ink); }
.topic-card:hover { border-color: var(--navy); }
.topic-card img { display: block; width: 100%; border-radius: 8px; margin-bottom: 8px; }
.topic-card h3 { font-size: 1rem; margin-bottom: .3em; }
.topic-card p { font-size: .88rem; color: var(--muted); margin: 0; line-height: 1.55; }
.topic-card__no { position: absolute; top: 20px; left: 20px; z-index: 1; min-width: 28px; height: 28px; padding: 0 6px; display: inline-flex; align-items: center; justify-content: center; border-radius: 999px; background: var(--navy); color: var(--gold); font-weight: 800; font-size: .85rem; }

.faq-preview__list li { border-bottom: 1px solid var(--line); }
.faq-preview__list a { display: block; padding: 12px 0; text-decoration: none; color: var(--ink); font-weight: 500; }
.faq-preview__list a:hover { color: var(--navy); text-decoration: underline; text-decoration-color: var(--gold); }

.cta { background: var(--navy); color: var(--ivory); text-align: center; padding: 48px 0; margin-top: 48px; }
.cta h2 { color: var(--white); }
.cta .btn--primary { background: var(--gold); color: var(--navy); }
.cta .btn--primary:hover { background: var(--white); }

@media (min-width: 768px) {
  .hero { padding: 64px 0; }
  .hero__inner { grid-template-columns: 1.1fr 1fr; align-items: center; gap: 40px; }
  .hero h1 { font-size: 2.2rem; }
  .rate-strip__list { grid-template-columns: repeat(4, 1fr); }
  .topic-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (min-width: 1024px) {
  .topic-grid { grid-template-columns: repeat(5, 1fr); }
}

/* 가이드 페이지 */
.guide { max-width: 1048px; padding-top: 16px; }
.breadcrumb ol { display: flex; flex-wrap: wrap; gap: 4px; margin: 0 0 16px; padding: 0; list-style: none; font-size: .88rem; color: var(--muted); }
.breadcrumb li + li::before { content: "›"; margin-right: 4px; color: var(--muted); }
.breadcrumb a { color: var(--muted); text-decoration: none; }
.breadcrumb a:hover { color: var(--navy); text-decoration: underline; }

.guide-head { max-width: 720px; margin-bottom: 24px; }
.guide-head h1 { font-size: 1.6rem; }
.guide-head__summary { font-size: 1.05rem; color: var(--ink); }
.guide-head__updated { font-size: .88rem; color: var(--muted); padding-bottom: 12px; border-bottom: 2px solid var(--gold); display: inline-block; }
.guide-head__img { display: block; width: 100%; border-radius: var(--radius); margin-top: 8px; }

.toc { font-size: .92rem; }
.toc__list { margin: 8px 0 0; padding-left: 1.4em; }
.toc__list li { margin: 4px 0; }
.toc__list a { color: var(--ink); text-decoration: none; display: inline-block; padding: 2px 0; }
.toc__list a:hover { color: var(--navy); text-decoration: underline; }
.toc__list a.is-active { color: var(--navy); font-weight: 700; box-shadow: inset 0 -2px 0 var(--gold); }
.toc--mobile { background: var(--ivory); border: 1px solid var(--line); border-radius: var(--radius); padding: 12px 16px; margin-bottom: 24px; }
.toc--mobile summary { cursor: pointer; font-weight: 700; color: var(--navy); }
.toc--desktop { display: none; }
.toc__title { font-weight: 700; color: var(--navy); margin: 0; }

.keyfacts { display: grid; gap: 12px; grid-template-columns: 1fr; margin-bottom: 32px; }
.keyfact { display: flex; flex-direction: column; gap: 2px; background: var(--white); border: 1px solid var(--line); border-top: 3px solid var(--gold); border-radius: var(--radius); padding: 14px 16px; }
.keyfact__label { font-size: .88rem; color: var(--muted); }
.keyfact__value { font-size: 1.15rem; font-weight: 800; color: var(--navy); line-height: 1.4; }
.keyfact small { font-size: .8rem; color: var(--muted); }

.guide-body h2 { font-size: 1.35rem; margin-top: 2em; padding-top: 8px; border-top: 2px solid var(--gold); scroll-margin-top: 80px; }
.guide-body h3 { font-size: 1.1rem; margin-top: 1.6em; scroll-margin-top: 80px; }
.guide-body ul, .guide-body ol { margin: 0 0 1em; padding-left: 1.4em; list-style: disc; }
.guide-body ol { list-style: decimal; }
.guide-body li { margin-bottom: .4em; }
.guide-body .callout ul { margin-bottom: 0; }
.guide-body .callout p:last-child { margin-bottom: 0; }

.qa { margin-top: 48px; scroll-margin-top: 80px; }
.qa h2 { font-size: 1.35rem; padding-top: 8px; border-top: 2px solid var(--gold); }
.qa dl { margin: 0; }
.qa dt { font-weight: 700; color: var(--navy); margin-top: 20px; }
.qa dt::before { content: "Q. "; color: var(--navy); }
.qa dd { margin: 6px 0 0; padding: 12px 16px; background: var(--ivory); border-radius: var(--radius); }
.qa__label { display: inline-block; margin-right: 8px; padding: 0 8px; border-radius: 999px; background: var(--navy); color: var(--white); font-size: .75rem; font-weight: 600; line-height: 1.8; vertical-align: 1px; }
.qa__memo { margin: 8px 0 0; font-size: .9rem; color: var(--muted); }

.related { margin-top: 48px; scroll-margin-top: 80px; }
.related h2 { font-size: 1.35rem; }
.related__grid { display: grid; gap: 16px; grid-template-columns: repeat(2, 1fr); }

@media (min-width: 768px) {
  .guide-head h1 { font-size: 2rem; }
  .keyfacts { grid-template-columns: repeat(3, 1fr); }
  .related__grid { grid-template-columns: repeat(3, 1fr); }
}
@media (min-width: 1024px) {
  .toc--mobile { display: none; }
  .guide-layout { display: grid; grid-template-columns: 720px 240px; gap: 48px; align-items: start; }
  .guide-main { grid-column: 1; grid-row: 1; min-width: 0; }
  .toc--desktop { display: block; grid-column: 2; grid-row: 1; position: sticky; top: 88px; padding-left: 16px; border-left: 1px solid var(--line); }
}

/* 일반 페이지 머리말 */
.page-head { background: var(--ivory); border-bottom: 1px solid var(--line); padding: 32px 0 24px; }
.page-head h1 { margin: 0 0 8px; color: var(--navy); }
.page-head .lede { margin: 0; color: var(--muted); }
.prose { padding-top: 24px; padding-bottom: 40px; }
.callout--info { border-left-color: var(--navy); }

/* 할인율표 */
.table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
.rates { width: 100%; min-width: 640px; border-collapse: collapse; font-size: 0.95rem; }
.rates caption { text-align: left; padding: 12px 16px; color: var(--muted); font-size: 0.875rem; }
.rates th, .rates td { padding: 12px 16px; text-align: left; border-top: 1px solid var(--line); vertical-align: top; }
.rates thead th { background: var(--navy); color: var(--white); white-space: nowrap; border-top: 0; }
.rates th[data-sort] { cursor: pointer; user-select: none; }
.rates th[data-sort]::after { content: " \2195"; color: var(--gold); font-size: 0.8em; }
.rates th[aria-sort="ascending"]::after { content: " \25B2"; }
.rates th[aria-sort="descending"]::after { content: " \25BC"; }
.rates th[data-sort]:focus-visible { outline: 2px solid var(--gold); outline-offset: -2px; }
.rates tbody th { font-weight: 700; color: var(--navy); }
.rates td[data-value] { white-space: nowrap; font-variant-numeric: tabular-nums; }
.rates__note { color: var(--muted); font-size: 0.875rem; min-width: 220px; }

/* FAQ */
.faq-nav { margin-bottom: 32px; }
.faq-nav ul { display: flex; flex-wrap: wrap; gap: 8px; }
.faq-nav a { display: inline-block; padding: 6px 14px; border: 1px solid var(--navy); border-radius: 999px; color: var(--navy); font-size: .9rem; font-weight: 600; text-decoration: none; line-height: 1.6; }
.faq-nav a:hover, .faq-nav a:focus-visible { border-color: var(--gold); background: var(--ivory); }
.faq-group { margin-bottom: 40px; scroll-margin-top: 80px; }
.faq-group h2 { font-size: 1.25rem; padding-top: 8px; border-top: 2px solid var(--gold); }
details.faq { margin-bottom: 10px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); scroll-margin-top: 80px; }
details.faq summary { display: flex; gap: 10px; padding: 14px 16px; font-weight: 700; color: var(--navy); cursor: pointer; list-style: none; }
details.faq summary::-webkit-details-marker { display: none; }
details.faq summary::before { content: "Q"; flex: none; color: var(--navy); font-weight: 800; }
details.faq summary:focus-visible { outline: 2px solid var(--navy); outline-offset: -2px; border-radius: var(--radius); }
details.faq[open] summary { border-bottom: 1px solid var(--line); }
.faq__answer { padding: 14px 16px 16px; background: var(--ivory); border-radius: 0 0 var(--radius) var(--radius); }

/* 용어사전 */
.glossary dt { margin-top: 24px; padding-top: 16px; border-top: 1px solid var(--line); font-weight: 600; color: var(--navy); font-size: 1.1rem; }
.glossary dt:first-child { margin-top: 0; padding-top: 0; border-top: 0; }
.glossary__reading { margin-left: 8px; font-size: .85rem; font-weight: 400; color: var(--muted); }
.glossary dd { margin: 8px 0 0; }
.glossary__links { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 10px; }
.glossary__link { display: inline-block; padding: 2px 12px; border: 1px solid var(--navy); border-radius: 999px; color: var(--navy); font-size: .85rem; font-weight: 600; text-decoration: none; line-height: 1.6; }
.glossary__link:hover, .glossary__link:focus-visible { border-color: var(--gold); background: var(--ivory); }

/* 모바일 하단 고정 상담 바 */
.cta-bar { display: none; }
.site-footer__logo, .about__logo { display: block; height: 40px; width: auto; margin: 8px 0; }
.about__logo { height: 80px; }
@media (max-width: 767px) {
  body { padding-bottom: calc(72px + env(safe-area-inset-bottom)); }
  .cta-bar { display: block; position: fixed; bottom: 0; left: 0; right: 0; z-index: 50; background: var(--navy); padding: 10px 16px calc(10px + env(safe-area-inset-bottom)); text-align: center; }
  .cta-bar .btn { display: block; width: 100%; background: var(--gold); color: var(--navy); }
  .cta-bar .btn:hover { background: var(--ivory); }
}

/* 카드사 글자 배지(가이드 본문) */
.badge { display: inline-block; padding: 0 8px; margin-right: 4px; border: 1px solid var(--navy); border-radius: var(--radius); color: var(--navy); font-size: .78rem; font-weight: 600; line-height: 1.6; vertical-align: .1em; white-space: nowrap; }