:root{
  --ground:#FBF8F3; --surface:#FFFFFF; --ink:#23160F; --body:#4A3A2F; --muted:#6B5A4E;
  --line:#E8DED4; --line2:#CBB9A8; --soft:#F6F0E8; --accent:#7A2400; --accent-dark:#4F1700;
  --dark:#2A1A12; --dark-text:#F3E9DF; --dark-muted:#D9C7B5; --gold:#F2C879;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--ground);color:var(--ink);font-family:'Noto Sans KR',system-ui,sans-serif;font-size:16px;line-height:1.7;word-break:keep-all;overflow-wrap:anywhere}
a{color:var(--accent)} a:hover{color:var(--accent-dark)}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.serif{font-family:'Noto Serif KR',serif}
h1,h2,h3{line-height:1.35}
section.block{padding:88px 0 24px}
.h2{margin:0 0 12px;font-family:'Noto Serif KR',serif;font-size:clamp(26px,3vw,34px)}
.lead{margin:0 0 40px;color:var(--body);max-width:640px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 28px;border-radius:6px;font-weight:700;font-size:17px;text-decoration:none;border:none;cursor:pointer}
.btn-primary{background:var(--accent);color:#fff} .btn-primary:hover{background:var(--accent-dark);color:#fff}
.btn-ghost{background:#fff;color:var(--ink);border:1px solid var(--line2);font-weight:500}
.card{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:28px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px}

/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px;padding-top:16px;padding-bottom:16px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}
.brand-mark{font-family:'Noto Serif KR',serif;font-weight:700;font-size:22px;letter-spacing:.08em;color:var(--accent)}
.brand-name{font-weight:700;font-size:17px}
.nav{display:flex;flex-wrap:wrap;align-items:center;gap:8px 24px;font-size:15px}
.nav a{color:var(--body);text-decoration:none}
.nav a.nav-cta{display:inline-flex;align-items:center;min-height:44px;padding:0 20px;background:var(--accent);color:#fff;font-weight:700;border-radius:6px}

/* hero */
.hero{display:flex;flex-wrap:wrap;gap:48px;align-items:flex-start;padding-top:80px;padding-bottom:64px}
.hero-main{flex:999 1 520px;min-width:0}
.eyebrow{margin:0 0 16px;font-size:15px;font-weight:700;color:var(--accent)}
.hero h1{margin:0 0 24px;font-family:'Noto Serif KR',serif;font-size:clamp(32px,4.4vw,52px);line-height:1.3;letter-spacing:-.01em}
.hero p.sub{margin:0 0 32px;font-size:18px;color:var(--body);max-width:560px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px}
.hero-aside{flex:1 1 340px;min-width:0}
.hero-aside h2{margin:0 0 16px;font-size:18px}
.hero-aside ol{margin:0 0 20px;padding-left:20px;display:flex;flex-direction:column;gap:8px}
.hero-aside .notes{border-top:1px solid #EFE6DC;padding-top:16px;display:flex;flex-direction:column;gap:8px;font-size:14px;color:var(--body)}
.hero-aside .notes p{margin:0}

/* basis */
.basis{background:var(--dark);color:var(--dark-text)}
.basis .wrap{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:32px;padding-top:40px;padding-bottom:40px}
.basis .k{margin:0 0 6px;font-size:13px;color:var(--dark-muted);font-weight:500}
.basis .v{margin:0 0 6px;font-size:18px;font-weight:700}
.basis a{color:var(--gold);font-size:14px}
.basis .s{margin:0;font-size:14px;color:var(--dark-muted)}

.num{margin:0 0 14px;font-family:'Noto Serif KR',serif;font-size:28px;font-weight:700;color:var(--accent)}
.card h3{margin:0 0 8px;font-size:18px}
.card p{margin:0;color:var(--body);font-size:15px}

/* steps */
.steps{margin:0;padding:0;list-style:none;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));border-top:2px solid var(--ink)}
.steps li{padding:24px 24px 24px 0;border-bottom:1px solid var(--line)}
.steps li+li{padding-left:24px;border-left:1px solid var(--line)}
.steps .tag{margin:0 0 4px;font-size:13px;font-weight:700;color:var(--accent)}
.steps h3{margin:0 0 8px;font-size:18px}
.steps p{margin:0;font-size:15px;color:var(--body)}
.steps .t{margin-top:12px;font-size:13px;color:var(--muted)}
@media (max-width:720px){.steps li,.steps li+li{padding-left:0;border-left:none}}

/* calculator */
.calc{background:#fff;border:1px solid var(--line);border-radius:12px;padding:clamp(24px,4vw,48px);display:flex;flex-wrap:wrap;gap:40px}
.calc>div{flex:1 1 320px;min-width:0}
.field label{display:block;font-weight:700;font-size:15px;margin-bottom:6px}
.field input[type=text],.field input[type=tel],.field input[type=email],.field input[type=date],.field textarea{width:100%;min-height:48px;padding:0 14px;border:1px solid var(--line2);border-radius:6px;font-size:16px;background:#fff;color:var(--ink);font-family:inherit}
.field textarea{padding:12px 14px;resize:vertical}
.field input:focus,.field textarea:focus{outline:2px solid var(--accent);outline-offset:1px}
.calc-row{display:flex;justify-content:space-between;gap:16px;padding:16px 20px;background:var(--soft);border-radius:8px;margin-bottom:12px}
.calc-row span:first-child{color:var(--body)} .calc-row span:last-child{font-weight:700}
.calc-status{padding:20px;border-radius:8px}
.calc-status p{margin:0} .calc-status .big{font-size:20px;font-weight:700} .calc-status .small{margin-top:4px;font-size:14px}
.st-ok{background:#E7EFE6;color:#1F3A26} .st-warn{background:var(--accent);color:#fff} .st-over{background:#EDE7E1;color:#3A2C22}
.calc-empty{padding:32px 20px;border:1px dashed var(--line2);border-radius:8px;color:var(--muted);text-align:center}
.fine{font-size:13px;color:var(--muted)}

/* fee */
.fee{border-top:2px solid var(--ink);padding-top:20px}
.fee p{margin:0} .fee .k{color:var(--body);font-size:15px;margin-bottom:6px} .fee .v{font-size:24px;font-weight:700}

/* faq */
.faq{border-top:1px solid #D9CBBD;max-width:832px}
.faq details{border-bottom:1px solid #D9CBBD}
.faq summary{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:64px;font-weight:700;font-size:17px;cursor:pointer;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary .plus{font-size:24px;font-weight:400;color:var(--accent);transition:transform .2s}
.faq details[open] .plus{transform:rotate(45deg)}
.faq p{margin:0 0 20px;color:var(--body)}

/* apply */
.apply{background:#fff;border:1px solid var(--line);border-radius:12px;padding:clamp(24px,4vw,56px);display:flex;flex-wrap:wrap;gap:48px}
.apply-intro{flex:1 1 280px;min-width:0}
.apply form{flex:999 1 480px;min-width:0;display:flex;flex-direction:column;gap:20px}
.req{color:#A33A12}
.drop{border:1px dashed #B59E89;border-radius:8px;background:var(--ground);padding:24px;display:flex;flex-direction:column;gap:10px}
.drop.drag{background:var(--soft);border-color:var(--accent)}
.file-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:6px;font-size:14px}
.file-list li{display:flex;justify-content:space-between;gap:12px;padding:8px 12px;background:#fff;border:1px solid var(--line);border-radius:6px}
.file-list li.bad{border-color:#A33A12;color:#A33A12}
.consent{background:var(--soft);border-radius:8px;padding:20px;font-size:14px;color:var(--body)}
.consent p{margin:0}
.consent .title{margin-bottom:8px;font-weight:700;color:var(--ink)}
.consent label{display:flex;align-items:center;gap:10px;margin-top:12px;min-height:44px;font-weight:700;color:var(--ink);cursor:pointer}
.consent input{width:20px;height:20px;accent-color:var(--accent)}
.form-msg{margin:0;padding:16px;border-radius:8px;font-size:15px}
.form-msg.err{background:#FBEAE4;color:#7A2400}
.form-msg.ok{background:#E7EFE6;color:#1F3A26}
.progress{height:8px;background:var(--soft);border-radius:4px;overflow:hidden}
.progress>div{height:100%;width:0;background:var(--accent);transition:width .2s}
.done-box{text-align:center;padding:24px 8px}
.done-box h3{font-family:'Noto Serif KR',serif;font-size:26px;margin:0 0 12px}
.hidden{display:none!important}

/* footer */
.site-footer{background:var(--dark);color:var(--dark-muted);font-size:14px;margin-top:96px}
.site-footer .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:24px;padding-top:40px;padding-bottom:40px}
.site-footer p{margin:0} .site-footer .name{color:#fff;font-weight:700;font-size:16px;margin-bottom:8px}
.site-footer a{color:var(--gold)}

/* privacy page */
.doc{max-width:820px;margin:0 auto;padding:64px 24px}
.doc h1{font-family:'Noto Serif KR',serif;font-size:32px;margin:0 0 8px}
.doc h2{font-size:19px;margin:40px 0 10px}
.doc table{width:100%;border-collapse:collapse;font-size:15px;margin:8px 0}
.doc th,.doc td{border:1px solid var(--line2);padding:10px 12px;text-align:left;vertical-align:top}
.doc th{background:var(--soft);width:30%}