:root{
  --navy:#12243E; --navy-800:#1A3355; --cyan:#00A5C5; --cyan-600:#0089A4;
  --paper:#F7F9FB; --white:#FFFFFF; --ink:#12243E; --muted:#5A6B80;
  --line:#E2E8EF; --ok:#1F7A5C; --radius:14px;
  --font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,"Noto Sans",
    "Noto Sans SC","Noto Sans KR","PingFang SC","Microsoft YaHei",sans-serif;
  --display:system-ui,-apple-system,"Segoe UI Semibold","Segoe UI",Roboto,"Noto Sans",
    "Noto Sans SC","Noto Sans KR",sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--paper);
  -webkit-font-smoothing:antialiased;line-height:1.55;font-size:17px}
img{max-width:100%}
a{color:var(--cyan-600)}
.wrap{width:min(1120px,92vw);margin-inline:auto}
h1,h2,h3{font-family:var(--display);line-height:1.15;letter-spacing:-.02em;margin:0 0 .5em}
h1{font-size:clamp(2rem,4.4vw,3.35rem);font-weight:700}
h2{font-size:clamp(1.5rem,2.6vw,2.1rem);font-weight:600}
h3{font-size:1.12rem;font-weight:600}
p{margin:0 0 1em}
.lede{font-size:clamp(1.05rem,1.6vw,1.22rem);color:#3C5068;max-width:60ch}

/* header */
header{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.bar{display:flex;align-items:center;gap:1.5rem;padding:.85rem 0}
.brand{display:flex;align-items:center;gap:.6rem;font-family:var(--display);font-weight:700;
  font-size:1.05rem;color:var(--navy);text-decoration:none;letter-spacing:-.01em}
.mark{width:30px;height:30px;border-radius:9px;background:var(--navy);color:#fff;display:grid;
  place-items:center;font-size:.82rem;font-weight:700}
nav.main{display:flex;gap:1.35rem;margin-left:auto;align-items:center}
nav.main a{color:#35485F;text-decoration:none;font-size:.94rem;font-weight:600}
nav.main a:hover{color:var(--cyan-600)}
.lang{display:flex;gap:.35rem;border-left:1px solid var(--line);padding-left:1rem}
.lang a{font-size:.85rem;text-decoration:none;color:var(--muted);padding:.15rem .4rem;border-radius:6px}
.lang a[aria-current]{background:var(--paper);color:var(--navy);font-weight:700}
.tel{background:var(--navy);color:#fff!important;padding:.6rem .95rem;border-radius:10px;
  text-decoration:none;font-weight:700;font-size:.92rem;white-space:nowrap}
.tel:hover{background:var(--navy-800)}
@media(max-width:860px){nav.main{display:none}}

/* hero */
.hero{background:linear-gradient(180deg,#fff 0%,#fff 55%,var(--paper) 100%);padding:clamp(2.4rem,6vw,4.75rem) 0}
.hero .grid{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(1.5rem,4vw,3.5rem);align-items:start}
@media(max-width:900px){.hero .grid{grid-template-columns:1fr}}
.eyebrow{display:inline-flex;align-items:center;gap:.5rem;background:rgba(0,165,197,.1);color:var(--cyan-600);
  font-weight:700;font-size:.8rem;letter-spacing:.06em;text-transform:uppercase;padding:.4rem .7rem;
  border-radius:999px;margin-bottom:1.1rem}
.ctas{display:flex;flex-wrap:wrap;gap:.75rem;margin:1.6rem 0 1rem}
.btn{display:inline-block;padding:.9rem 1.4rem;border-radius:11px;font-weight:700;text-decoration:none;
  font-size:1rem;border:1.5px solid transparent;cursor:pointer;font-family:var(--font)}
.btn-primary{background:var(--cyan);color:#04303A}
.btn-primary:hover{background:var(--cyan-600);color:#fff}
.btn-ghost{background:#fff;border-color:var(--line);color:var(--navy)}
.btn-ghost:hover{border-color:var(--cyan)}
.micro{font-size:.88rem;color:var(--muted);margin:0}

/* cards */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.2rem 1.25rem}
.trust{display:grid;gap:.7rem}
.trust .card{border-left:3px solid var(--cyan)}
.trust strong{display:block;font-family:var(--display);font-size:.98rem}
.trust span{font-size:.9rem;color:var(--muted)}

/* proof */
.proof{background:var(--navy);color:#fff;padding:1.05rem 0}
.proof .wrap{display:flex;flex-wrap:wrap;gap:.6rem 2rem;justify-content:space-between;align-items:center}
.proof b{font-family:var(--display);font-size:1rem;color:#fff}
.proof small{display:block;color:#9FB3C8;font-size:.78rem;letter-spacing:.03em;text-transform:uppercase}

section{padding:clamp(2.2rem,5vw,3.8rem) 0}
.section-head{max-width:64ch;margin-bottom:2rem}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;counter-reset:s}
@media(max-width:880px){.steps{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.steps{grid-template-columns:1fr}}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.15rem;position:relative}
.step:before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:28px;height:28px;
  border-radius:8px;background:rgba(0,165,197,.12);color:var(--cyan-600);font-weight:800;font-size:.85rem;margin-bottom:.7rem}
.step h3{margin-bottom:.3rem}
.step p{font-size:.93rem;color:var(--muted);margin:0}

/* checklist */
.checklist{list-style:none;padding:0;margin:0;display:grid;gap:.6rem}
.checklist li{background:#fff;border:1px solid var(--line);border-radius:11px;padding:.85rem 1rem .85rem 2.6rem;
  position:relative;font-size:.95rem}
.checklist li:before{content:"";position:absolute;left:1rem;top:1.05rem;width:14px;height:14px;
  border:2px solid var(--cyan);border-radius:4px}

/* faq */
details{background:#fff;border:1px solid var(--line);border-radius:11px;padding:.95rem 1.1rem;margin-bottom:.6rem}
details summary{font-weight:700;cursor:pointer;font-size:.98rem}
details p{margin:.7rem 0 0;color:#3C5068;font-size:.94rem}

/* form */
.form-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:clamp(1.25rem,3vw,2rem);
  box-shadow:0 18px 44px -28px rgba(18,36,62,.45)}
.field{margin-bottom:.85rem}
.field label{display:block;font-size:.86rem;font-weight:700;margin-bottom:.3rem;color:#2A3E56}
.field input,.field select,.field textarea{width:100%;padding:.7rem .8rem;border:1.5px solid var(--line);
  border-radius:9px;font:inherit;font-size:.95rem;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--cyan);
  box-shadow:0 0 0 3px rgba(0,165,197,.15)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}
@media(max-width:560px){.row2{grid-template-columns:1fr}}
.consent{display:flex;gap:.6rem;align-items:flex-start;font-size:.84rem;color:var(--muted);margin:.4rem 0 1rem}
.consent input{width:18px;height:18px;margin-top:.15rem;flex:none}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-note{font-size:.82rem;color:var(--muted);margin-top:.75rem}
#form-msg{border-radius:10px;padding:.9rem 1rem;margin-top:1rem;font-size:.94rem;display:none}
#form-msg.ok{display:block;background:rgba(31,122,92,.1);color:#155C44;border:1px solid rgba(31,122,92,.25)}
#form-msg.err{display:block;background:rgba(180,50,50,.08);color:#8C2B2B;border:1px solid rgba(180,50,50,.22)}

/* footer */
footer{background:var(--navy);color:#C9D6E3;padding:2.6rem 0 2rem;font-size:.9rem}
footer a{color:#DCE7F1;text-decoration:none}
footer a:hover{color:#fff;text-decoration:underline}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:2rem}
@media(max-width:760px){.foot-grid{grid-template-columns:1fr}}
footer h4{font-family:var(--display);color:#fff;font-size:.95rem;margin:0 0 .7rem}
footer ul{list-style:none;padding:0;margin:0;display:grid;gap:.4rem}
.legal{border-top:1px solid rgba(255,255,255,.14);margin-top:2rem;padding-top:1.2rem;font-size:.8rem;color:#93A8BC}
.legal p{margin:0 0 .5rem}
.skip{position:absolute;left:-9999px}
.skip:focus{left:1rem;top:1rem;background:#fff;padding:.6rem 1rem;border-radius:8px;z-index:99}