/* ============================================================
   상속서식 가이드 — Design System (shared: theme + html.php)
   ============================================================ */
:root{
  /* palette — deep navy + muted gold, restrained neutrals */
  --navy:#1f3a5f; --navy-700:#17304f; --navy-2:#2c4a73;
  --gold:#2f6fb0; --gold-soft:#5a93cf;
  --ink:#1a2330; --body:#3a4658; --muted:#6b7684; --faint:#8b95a3;
  --line:#e6e9ef; --line-2:#eef1f6;
  --bg:#ffffff; --bg-soft:#f6f8fb; --bg-navy:#14263f;
  --ok:#2f7d5b;
  /* radius / shadow tokens */
  --r-xs:6px; --r-sm:10px; --r:14px; --r-lg:22px; --r-pill:999px;
  --sh-1:0 1px 2px rgba(20,38,63,.06),0 1px 3px rgba(20,38,63,.05);
  --sh-2:0 6px 18px rgba(20,38,63,.08);
  --sh-3:0 18px 48px rgba(20,38,63,.12);
  /* 8pt spacing scale */
  --s1:8px; --s2:16px; --s3:24px; --s4:32px; --s5:48px; --s6:64px; --s7:96px; --s8:128px;
  --container:1120px; --read:760px;
  --font-sans:"Pretendard Variable",Pretendard,-apple-system,BlinkMacSystemFont,"Noto Sans KR","Malgun Gothic",sans-serif;
  --font-serif:"Noto Serif KR",Georgia,serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font-sans);color:var(--body);background:var(--bg);
  font-size:17px;line-height:1.75;letter-spacing:-.01em;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy-2);text-decoration:none;transition:color .18s ease}
a:hover{color:var(--gold)}
h1,h2,h3,h4{color:var(--ink);line-height:1.3;letter-spacing:-.02em;font-weight:700;margin:0}
.container{max-width:var(--container);margin:0 auto;padding:0 24px}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  color:var(--gold);margin-bottom:14px}
.btn{display:inline-flex;align-items:center;gap:8px;min-height:48px;padding:0 26px;border-radius:var(--r-pill);
  font-weight:700;font-size:.98rem;cursor:pointer;border:1px solid transparent;transition:all .2s ease;line-height:1}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:var(--navy-700);color:#fff;transform:translateY(-1px);box-shadow:var(--sh-2)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--navy);color:var(--navy)}
.btn-gold{background:var(--gold);color:#fff}
.btn-gold:hover{background:var(--gold-soft);color:#fff}

/* ---------- site header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.9);backdrop-filter:saturate(150%) blur(10px);
  border-bottom:1px solid var(--line)}
.site-header .bar{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:12px}
.brand .mark{width:40px;height:40px;border-radius:11px;flex:0 0 auto}
.brand .txt{display:flex;flex-direction:column;line-height:1.15}
.brand .txt b{font-size:1.06rem;color:var(--ink);font-weight:800;letter-spacing:-.02em}
.brand .txt span{font-size:.72rem;color:var(--muted);letter-spacing:.02em}
.nav{display:flex;align-items:center;gap:6px}
.nav a{padding:9px 14px;border-radius:var(--r-sm);color:var(--body);font-weight:600;font-size:.95rem}
.nav a:hover{background:var(--bg-soft);color:var(--navy)}
.nav-toggle{display:none;width:44px;height:44px;border:1px solid var(--line);border-radius:10px;background:#fff;cursor:pointer;
  align-items:center;justify-content:center}
.nav-toggle span,.nav-toggle span::before,.nav-toggle span::after{content:"";display:block;width:18px;height:2px;background:var(--ink);position:relative}
.nav-toggle span::before{position:absolute;top:-6px}.nav-toggle span::after{position:absolute;top:6px}

/* ---------- footer ---------- */
.site-footer{background:var(--bg-navy);color:#c2ccda;margin-top:var(--s7);padding:var(--s6) 0 var(--s4)}
.site-footer a{color:#dbe4f0}.site-footer a:hover{color:var(--gold-soft)}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px}
.site-footer .brand .txt b{color:#fff}.site-footer .brand .txt span{color:#93a2b8}
.foot-desc{margin:16px 0 0;font-size:.9rem;line-height:1.7;color:#93a2b8;max-width:34ch}
.foot-col h4{color:#fff;font-size:.86rem;letter-spacing:.06em;text-transform:uppercase;margin-bottom:14px}
.foot-col ul{list-style:none;margin:0;padding:0}.foot-col li{margin:9px 0}
.foot-col a{font-size:.92rem;color:#b7c2d2}
.legal-notice{font-size:.82em;color:#8595aa;background:rgba(255,255,255,.03);border-left:3px solid #38506e;
  padding:14px 18px;margin-top:36px;border-radius:0 8px 8px 0;line-height:1.7}
.legal-notice p{margin:5px 0}
.foot-base{border-top:1px solid rgba(255,255,255,.08);margin-top:28px;padding-top:20px;display:flex;
  justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.82rem;color:#7e8da3}
.foot-base .op{color:#93a2b8}

/* ---------- article / page body ---------- */
.post-hero{background:linear-gradient(180deg,var(--bg-soft),#fff);border-bottom:1px solid var(--line);padding:var(--s6) 0 var(--s4)}
.post-hero .container{max-width:var(--read)}
.crumbs{font-size:.82rem;color:var(--muted);margin-bottom:16px}
.crumbs a{color:var(--muted)}.crumbs a:hover{color:var(--navy)}
.post-cat{color:var(--gold);font-weight:700;font-size:.82rem;letter-spacing:.06em}
.post-hero h1{font-size:clamp(1.7rem,4.4vw,2.5rem);margin:12px 0 0;color:var(--ink)}
.post-meta{margin-top:16px;font-size:.86rem;color:var(--muted);display:flex;gap:14px;flex-wrap:wrap}
.post-featured{max-width:var(--container);margin:calc(-1*var(--s4)) auto 0;padding:0 24px}
.post-featured img{width:100%;border-radius:var(--r-lg);box-shadow:var(--sh-2);aspect-ratio:16/9;object-fit:cover}
.article{max-width:var(--read);margin:var(--s5) auto var(--s6);padding:0 24px}
.article p{margin:0 0 1.25em}
.article h2{font-size:1.5rem;margin:2.2em 0 .7em;padding-top:.4em;position:relative}
.article h2::before{content:"";position:absolute;top:-2px;left:0;width:52px;height:4px;border-radius:4px;
  background:linear-gradient(90deg,var(--navy),var(--gold))}
.article h2{padding-top:20px}
.article h3{font-size:1.18rem;margin:1.8em 0 .5em;color:var(--navy)}
.article ul,.article ol{margin:0 0 1.4em;padding-left:1.3em}
.article li{margin:.5em 0}
.article img{border-radius:var(--r);box-shadow:var(--sh-1);margin:1.6em 0}
.article figure{margin:1.8em 0}
.article figcaption{font-size:.84rem;color:var(--muted);text-align:center;margin-top:10px}
.article a{color:var(--navy-2);text-decoration:underline;text-underline-offset:3px;text-decoration-color:var(--line)}
.article a:hover{text-decoration-color:var(--gold);color:var(--gold)}

/* summary / callout / table / chart */
.summary-box{background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--r);padding:22px 26px;margin:0 0 2em}
.summary-box h2{margin:0 0 12px;font-size:1.05rem;color:var(--navy);padding:0}
.summary-box h2::before{display:none}
.summary-box ul{margin:0;padding-left:1.1em}.summary-box li{margin:.35em 0;font-size:.96rem}
.callout{background:linear-gradient(180deg,#eff5fb,#f7fafd);border:1px solid #d5e3f1;border-left:4px solid var(--gold);border-radius:0 var(--r) var(--r) 0;padding:18px 22px;margin:1.8em 0;color:#2b3e54}
.callout b{color:#173049}
blockquote{margin:1.8em 0;padding:8px 0 8px 24px;border-left:4px solid var(--navy);color:var(--ink);
  font-size:1.08rem;font-style:normal;line-height:1.7}
.tbl-wrap{overflow-x:auto;margin:1.8em 0;border:1px solid var(--line);border-radius:var(--r)}
table{border-collapse:collapse;width:100%;min-width:460px;font-size:.94rem}
thead th{background:var(--navy);color:#fff;font-weight:700;text-align:left;padding:13px 16px;letter-spacing:-.01em}
tbody td{padding:12px 16px;border-top:1px solid var(--line-2);vertical-align:top}
tbody tr:nth-child(even){background:var(--bg-soft)}
th:first-child,td:first-child{padding-left:18px}

/* inline CSS charts */
.steps{list-style:none;counter-reset:st;padding:0;margin:1.8em 0}
.steps li{counter-increment:st;position:relative;padding:0 0 22px 56px;margin:0}
.steps li::before{content:counter(st);position:absolute;left:0;top:0;width:38px;height:38px;border-radius:50%;
  background:var(--navy);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:.98rem}
.steps li:not(:last-child)::after{content:"";position:absolute;left:18px;top:40px;bottom:2px;width:2px;background:var(--line)}
.steps li b{display:block;color:var(--ink);font-size:1.02rem;margin-bottom:3px}
.steps li span{font-size:.93rem;color:var(--body)}
.bars{margin:1.8em 0}
.bar{display:grid;grid-template-columns:130px 1fr 54px;align-items:center;gap:12px;margin:10px 0;font-size:.9rem}
.bar .track{background:var(--line-2);border-radius:var(--r-pill);height:14px;overflow:hidden}
.bar .fill{height:100%;border-radius:var(--r-pill);background:linear-gradient(90deg,var(--navy),var(--gold-soft))}
.bar .val{font-weight:700;color:var(--navy);text-align:right}
.faq{margin:1.6em 0}
.faq details{border:1px solid var(--line);border-radius:var(--r);padding:2px 20px;margin:10px 0;background:#fff}
.faq summary{cursor:pointer;font-weight:700;color:var(--ink);padding:15px 0;list-style:none;position:relative;padding-right:28px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:2px;top:20px;width:9px;height:9px;border-right:2px solid var(--gold);
  border-bottom:2px solid var(--gold);transform:rotate(45deg);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(-135deg)}
.faq details p{margin:0 0 15px;color:var(--body);font-size:.96rem}
.ai-notice{font-size:.85em;color:#888;margin-top:2em}
.article .legal-notice{font-size:.85em;color:#777;background:#f8f9fa;border-left:3px solid #cbd5e1;padding:10px 14px;
  margin-top:2em;border-radius:0 6px 6px 0}
.article .legal-notice p{margin:4px 0}
.src-list{font-size:.9rem;background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--r);padding:16px 22px;margin:1.8em 0}
.src-list b{display:block;color:var(--navy);margin-bottom:6px}
.src-list ul{margin:0;padding-left:1.1em}

/* related posts / cards */
.related{max-width:var(--container);margin:0 auto var(--s6);padding:0 24px}
.related h2{font-size:1.35rem;margin-bottom:22px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;transition:transform .2s,box-shadow .2s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-4px);box-shadow:var(--sh-2)}
.card .thumb{aspect-ratio:16/10;overflow:hidden;background:var(--bg-soft)}
.card .thumb img{width:100%;height:100%;object-fit:cover;transition:transform .4s}
.card:hover .thumb img{transform:scale(1.05)}
.card .body{padding:18px 20px 22px;display:flex;flex-direction:column;gap:8px;flex:1}
.card .k{font-size:.74rem;font-weight:700;letter-spacing:.05em;color:var(--gold)}
.card h3{font-size:1.04rem;line-height:1.4}
.card h3 a{color:var(--ink)}.card h3 a:hover{color:var(--navy)}
.card p{margin:0;font-size:.9rem;color:var(--muted);line-height:1.6}

/* page (privacy/terms) */
.page-wrap{max-width:var(--read);margin:var(--s5) auto var(--s6);padding:0 24px}
.page-wrap h2{font-size:1.35rem;margin:1.8em 0 .6em;position:relative;padding-top:18px}
.page-wrap h2::before{content:"";position:absolute;top:-2px;left:0;width:48px;height:4px;border-radius:4px;background:linear-gradient(90deg,var(--navy),var(--gold))}
.page-wrap h3{font-size:1.08rem;color:var(--navy);margin:1.4em 0 .4em}
.page-wrap ul,.page-wrap ol{padding-left:1.3em}

/* focus / a11y */
a:focus-visible,.btn:focus-visible,summary:focus-visible,.nav-toggle:focus-visible{outline:3px solid var(--gold-soft);outline-offset:2px;border-radius:4px}

@media (max-width:900px){
  .foot-grid{grid-template-columns:1fr 1fr}
  .cards{grid-template-columns:1fr 1fr}
}
@media (max-width:760px){
  body{font-size:16px}
  .nav{position:fixed;inset:72px 0 auto 0;flex-direction:column;align-items:stretch;background:#fff;border-bottom:1px solid var(--line);
    padding:10px 16px 18px;gap:2px;transform:translateY(-120%);transition:transform .28s ease;box-shadow:var(--sh-2)}
  .nav.open{transform:translateY(0)}
  .nav a{padding:13px 12px;border-radius:10px}
  .nav-toggle{display:inline-flex}
  .foot-grid{grid-template-columns:1fr;gap:28px}
  .cards{grid-template-columns:1fr}
  .article h2{font-size:1.32rem}
}
@media (prefers-reduced-motion:reduce){
  *{transition:none!important;animation:none!important;scroll-behavior:auto!important}
}
/* scroll reveal */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none}}

/* ============================================================
   HOMEPAGE (html.php) + FINANCE TOOL — insurance build
   ============================================================ */
.hero{position:relative;overflow:hidden;background:var(--bg-navy)}
.hero::after{content:"";position:absolute;inset:0;background:
  radial-gradient(1200px 500px at 78% -10%,rgba(90,147,207,.28),transparent 60%),
  linear-gradient(180deg,rgba(20,38,63,.72),rgba(20,38,63,.90))}
.hero .container{position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .95fr;gap:56px;
  align-items:center;padding-top:var(--s7);padding-bottom:var(--s7)}
.hero-copy .eyebrow{color:var(--gold-soft)}
.hero-copy h1{color:#fff;font-size:clamp(2rem,4.8vw,3.15rem);line-height:1.22;margin:0 0 20px}
.hero-copy p{color:#c8d4e4;font-size:1.1rem;line-height:1.75;margin:0 0 30px;max-width:52ch}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.hero-cta .btn-primary{background:var(--gold);}
.hero-cta .btn-primary:hover{background:var(--gold-soft)}
.hero-cta .btn-ghost{color:#fff;border-color:rgba(255,255,255,.35)}
.hero-cta .btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.hero-visual{position:relative}
.hero-visual img{width:100%;border-radius:var(--r-lg);box-shadow:0 30px 70px rgba(0,0,0,.4);aspect-ratio:16/11;object-fit:cover}
.hero-note{position:absolute;left:-14px;bottom:-18px;background:#fff;border-radius:var(--r);box-shadow:var(--sh-3);
  padding:14px 18px;display:flex;gap:12px;align-items:center;max-width:270px}
.hero-note .dot{width:38px;height:38px;border-radius:11px;background:linear-gradient(135deg,var(--navy),var(--gold));flex:0 0 auto}
.hero-note b{display:block;color:var(--ink);font-size:.92rem}
.hero-note span{font-size:.8rem;color:var(--muted)}

.section{padding:var(--s7) 0}
.section-soft{background:var(--bg-soft)}
.sec-head{max-width:var(--read);margin:0 auto var(--s5);text-align:center}
.sec-head h2{font-size:clamp(1.5rem,3.2vw,2rem);margin:8px 0 12px}
.sec-head p{color:var(--muted);font-size:1.02rem;margin:0}

.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.feature{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px 26px;transition:transform .2s,box-shadow .2s}
.feature:hover{transform:translateY(-4px);box-shadow:var(--sh-2)}
.feature .ico{width:46px;height:46px;color:var(--navy);margin-bottom:16px}
.feature .ico svg{width:46px;height:46px;stroke:var(--navy);fill:none;stroke-width:1.6}
.feature h3{font-size:1.12rem;margin:0 0 8px}
.feature p{margin:0;color:var(--body);font-size:.96rem;line-height:1.7}

.steps-row{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:sr}
.step-card{counter-increment:sr;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px 22px;position:relative}
.step-card::before{content:counter(sr);display:flex;align-items:center;justify-content:center;width:40px;height:40px;
  border-radius:11px;background:var(--navy);color:#fff;font-weight:800;margin-bottom:14px}
.step-card h3{font-size:1.04rem;margin:0 0 6px}
.step-card p{margin:0;font-size:.92rem;color:var(--body);line-height:1.65}

/* finance panel */
.fin{background:linear-gradient(180deg,#fff,#f6f9fc);border:1px solid var(--line);border-radius:var(--r-lg);
  box-shadow:var(--sh-2);padding:34px;max-width:var(--container);margin:0 auto}
.fin-top{display:flex;gap:20px;align-items:flex-start;flex-wrap:wrap;justify-content:space-between;margin-bottom:22px}
.fin-top h2{font-size:1.4rem;margin:0 0 8px}
.fin-top p{margin:0;color:var(--muted);font-size:.95rem;max-width:60ch}
.fin-controls{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:8px}
.fin-controls select,.fin-controls input{min-height:48px;padding:0 16px;border:1px solid var(--line);border-radius:var(--r-sm);
  font-family:inherit;font-size:.98rem;color:var(--ink);background:#fff;min-width:220px}
.chips{display:flex;gap:8px;flex-wrap:wrap;margin:4px 0 18px}
.chip{border:1px solid var(--line);background:#fff;border-radius:var(--r-pill);padding:8px 16px;font-size:.9rem;font-weight:600;
  color:var(--navy);cursor:pointer;transition:all .15s}
.chip:hover,.chip[aria-pressed="true"]{background:var(--navy);color:#fff;border-color:var(--navy)}
.fin-result{min-height:60px}
.fin-card{border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.fin-card .head{background:var(--navy);color:#fff;padding:18px 22px}
.fin-card .head b{font-size:1.15rem}
.fin-card .head span{display:block;font-size:.82rem;color:#b7c6db;margin-top:3px}
.fin-metrics{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line)}
.fin-metrics .m{background:#fff;padding:16px 18px}
.fin-metrics .m .k{font-size:.78rem;color:var(--muted)}
.fin-metrics .m .v{font-size:1.1rem;font-weight:800;color:var(--ink);margin-top:4px}
.fin-years{width:100%;border-collapse:collapse;font-size:.92rem}
.fin-years th,.fin-years td{padding:11px 14px;border-top:1px solid var(--line-2);text-align:right}
.fin-years th:first-child,.fin-years td:first-child{text-align:left}
.fin-years thead th{background:var(--bg-soft);color:var(--navy);border-top:none}
.fin-msg{color:var(--muted);font-size:.94rem;padding:14px 2px}
.fin-note{font-size:.82rem;color:var(--faint);margin-top:14px;line-height:1.6}

/* latest carousel */
.caro{max-width:var(--container);margin:0 auto;padding:0 24px}
.caro-track{display:grid;grid-auto-flow:column;grid-auto-columns:minmax(300px,1fr);gap:24px;overflow-x:auto;
  scroll-snap-type:x mandatory;padding:6px 2px 20px;scrollbar-width:thin}
.caro-track .card{scroll-snap-align:start}
.home-cats{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.home-cat{display:flex;gap:16px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--r);
  padding:22px 24px;transition:transform .2s,box-shadow .2s}
.home-cat:hover{transform:translateY(-3px);box-shadow:var(--sh-2)}
.home-cat .n{font-size:1.5rem;font-weight:800;color:var(--gold-soft);flex:0 0 auto;width:40px}
.home-cat h3{font-size:1.06rem;margin:0 0 4px}
.home-cat p{margin:0;font-size:.9rem;color:var(--muted)}
.cta-band{background:var(--bg-navy);color:#fff;border-radius:var(--r-lg);padding:48px;text-align:center;max-width:var(--container);margin:0 auto}
.cta-band h2{color:#fff;font-size:1.7rem;margin:0 0 12px}
.cta-band p{color:#c8d4e4;margin:0 auto 24px;max-width:56ch}

@media (max-width:900px){
  .hero .container{grid-template-columns:1fr;gap:40px}
  .feature-grid,.steps-row{grid-template-columns:1fr 1fr}
  .fin-metrics{grid-template-columns:1fr 1fr}
  .home-cats{grid-template-columns:1fr}
}
@media (max-width:600px){
  .feature-grid,.steps-row{grid-template-columns:1fr}
  .fin-controls select,.fin-controls input{min-width:100%}
  .cta-band,.fin{padding:26px}
}