:root{
  --bg:#FBF7F2;
  --surface:#FFFFFF;
  --soft:#F5ECE3;
  --peach:#F3D9C9;
  --brand:#B65A36;
  --brand-dark:#8F4223;
  --ink:#33291F;
  --ink-2:#5E5248;
  --line:#E8DDD2;
  --kakao:#FEE500;
  --kakao-ink:#191600;
  --radius:18px;
  --wrap:1080px;
  color-scheme:light;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;background:var(--bg);color:var(--ink);
  font-family:"Pretendard Variable",Pretendard,-apple-system,BlinkMacSystemFont,"Apple SD Gothic Neo","Malgun Gothic",sans-serif;
  font-size:18px;line-height:1.75;word-break:keep-all;overflow-wrap:break-word;
  padding-bottom:84px;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--brand-dark)}
h1,h2,h3{line-height:1.35;letter-spacing:-.02em;margin:0 0 .6em}
h1{font-size:clamp(28px,6vw,44px)}
h2{font-size:clamp(24px,4.6vw,32px)}
h3{font-size:21px}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 16px}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:8px;background:#fff;padding:8px;z-index:99}

/* 임시 오픈 띠 */
.notice{background:var(--ink);color:#FFF6EE;font-size:15px;line-height:1.55;text-align:center;padding:9px 16px}
.notice strong{color:#FFD9C2}
.notice a{color:#FFD9C2}

/* 머리 */
.top{background:rgba(251,247,242,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:64px}
.logo{display:flex;align-items:center;gap:9px;text-decoration:none;color:var(--ink);font-weight:800;font-size:20px;letter-spacing:-.03em}
.logo svg{flex:none}
.nav{display:flex;gap:4px}
.nav a{text-decoration:none;color:var(--ink-2);font-weight:600;font-size:16px;padding:8px 12px;border-radius:10px}
.nav a:hover,.nav a[aria-current=page]{background:var(--soft);color:var(--ink)}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;font-size:16px;font-weight:700;color:var(--ink);padding:8px 12px;cursor:pointer}
@media (max-width:820px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--bg);flex-direction:column;padding:8px 16px 16px;border-bottom:1px solid var(--line)}
  .nav.open{display:flex}
  .nav a{font-size:18px;padding:12px}
}

/* 첫 화면 */
.hero{position:relative;overflow:hidden;background:var(--soft)}
.hero picture img{width:100%;height:clamp(300px,52vw,560px);object-fit:cover;object-position:60% 50%}
.hero .copy{position:absolute;inset:0;display:flex;align-items:center;background:linear-gradient(90deg,rgba(251,247,242,.97) 0%,rgba(251,247,242,.9) 38%,rgba(251,247,242,0) 70%)}
.hero .copy .wrap{width:100%}
.hero .copy div.inner{max-width:540px}
.eyebrow{display:inline-block;background:var(--peach);color:var(--brand-dark);font-weight:700;font-size:15px;padding:4px 12px;border-radius:999px;margin-bottom:14px}
.hero p.lead{font-size:clamp(17px,2.4vw,20px);color:var(--ink-2)}
@media (max-width:720px){
  .hero .copy{position:static;background:var(--bg)}
  .hero .copy .wrap{padding-top:24px;padding-bottom:8px}
  .hero picture img{height:240px}
}

/* 버튼 */
.btns{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:54px;padding:0 22px;border-radius:14px;font-weight:700;font-size:18px;text-decoration:none;border:0;cursor:pointer}
.btn-kakao{background:var(--kakao);color:var(--kakao-ink)}
.btn-main{background:var(--brand);color:#fff}
.btn-line{background:var(--surface);color:var(--ink);border:1.5px solid var(--line)}
.btn:focus-visible{outline:3px solid var(--brand-dark);outline-offset:2px}

/* 구역 */
section.block{padding:64px 0}
section.block.alt{background:var(--surface)}
.sec-head{max-width:680px;margin-bottom:28px}
.sec-head p{color:var(--ink-2)}
.grid{display:grid;gap:16px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:900px){.g4{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:1fr}}
@media (max-width:620px){.g2,.g4{grid-template-columns:1fr}}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.alt .card{background:var(--bg)}
.card h3{margin-bottom:.4em}
.card p:last-child{margin-bottom:0}

/* 체크 */
.checks{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.checks li{display:flex;gap:12px;align-items:flex-start;background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:16px 18px}
.checks li::before{content:"";flex:none;width:26px;height:26px;margin-top:2px;border-radius:50%;background:var(--brand) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/16px no-repeat}

/* 단계 */
.steps{counter-reset:s;list-style:none;margin:0;padding:0;display:grid;gap:16px}
.steps>li{counter-increment:s;position:relative;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px 22px 22px 84px}
.steps>li::before{content:counter(s);position:absolute;left:22px;top:22px;width:44px;height:44px;border-radius:50%;background:var(--peach);color:var(--brand-dark);font-weight:800;font-size:20px;display:flex;align-items:center;justify-content:center}
.steps h3{margin-bottom:.3em}
.steps p{margin:0;color:var(--ink-2)}

/* 사진+글 */
.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.split img{border-radius:var(--radius);width:100%;aspect-ratio:16/10;object-fit:cover}
@media (max-width:820px){.split{grid-template-columns:1fr;gap:20px}}

/* 표 */
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
table{width:100%;border-collapse:collapse;background:var(--surface);border-radius:14px;overflow:hidden;font-size:17px}
th,td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--soft);font-weight:700;white-space:nowrap}
@media (max-width:620px){
  table.stack tr:first-child{display:none}
  table.stack tr{display:block;padding:14px 16px;border-bottom:1px solid var(--line)}
  table.stack td{display:inline;border:0;padding:0}
  table.stack td:first-child{margin-right:8px}
  table.stack td:last-child{display:block;margin-top:6px;color:var(--ink-2);font-size:16px}
}
@media (max-width:620px){
  table.compare{font-size:15px}
  table.compare th,table.compare td{padding:10px 8px;white-space:normal}
}
.tag{display:inline-block;font-size:14px;font-weight:700;padding:2px 10px;border-radius:999px;white-space:nowrap}
.t-hos{background:#E3EEF7;color:#1F4E73}
.t-us{background:var(--peach);color:var(--brand-dark)}
.t-me{background:#E6F0E2;color:#2F5A25}

/* 약속 */
.promise{background:var(--ink);color:#FFF6EE;border-radius:var(--radius);padding:32px}
.promise h2{color:#fff}
.promise ol{margin:0;padding-left:1.3em}
.promise li{margin-bottom:.6em}
.promise li strong{color:#FFD9C2}

/* 자주 묻는 질문 */
.faq details{background:var(--surface);border:1px solid var(--line);border-radius:14px;margin-bottom:10px}
.faq summary{cursor:pointer;list-style:none;padding:18px 52px 18px 20px;font-weight:700;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:26px;font-weight:400;color:var(--brand)}
.faq details[open] summary::after{content:"−"}
.faq details>div{padding:0 20px 18px;color:var(--ink-2)}
.faq details>div p:last-child{margin:0}

/* 보험사 목록·출처 */
.grid-title{font-size:19px;color:var(--ink-2);margin:28px 0 12px}
.grid-title:first-of-type{margin-top:0}
.insurer-card{display:flex;flex-direction:column;gap:4px;text-decoration:none;color:var(--ink);padding:20px}
.insurer-card strong{font-size:19px}
.insurer-card span{font-size:15px;color:var(--brand-dark)}
.insurer-card:hover{border-color:var(--brand)}
a.src{font-size:13px;color:var(--ink-2);margin-left:4px;white-space:nowrap}
.prose .card{margin-bottom:8px}
.prose .checks{padding-left:0}
.card .checks li{border:0;background:none;padding:6px 0}
@media (max-width:620px){
  .insurer-grid{grid-template-columns:repeat(2,1fr);gap:10px}
  .insurer-card{padding:16px 14px}
  .insurer-card strong{font-size:17px}
  .insurer-card span{font-size:14px}
}

/* 안내 상자 */
.note{background:var(--soft);border-left:5px solid var(--brand);border-radius:12px;padding:18px 20px;color:var(--ink-2);font-size:17px}
.note strong{color:var(--ink)}

/* 하위 페이지 머리 */
.page-head{background:var(--soft);padding:44px 0 36px}
.page-head p{color:var(--ink-2);max-width:680px;margin:0}
.crumb{font-size:15px;color:var(--ink-2);margin-bottom:10px}
.crumb a{color:var(--ink-2)}
.prose{max-width:760px}
.prose h2{margin-top:1.6em}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin-bottom:.4em}

/* 꼬리 */
.foot{background:#2B231C;color:#D9CFC5;font-size:15px;line-height:1.7;padding:40px 0 32px;margin-top:0}
.foot a{color:#F2E6DA}
.foot .cols{display:flex;flex-wrap:wrap;gap:28px;justify-content:space-between}
.foot .biz dt{float:left;clear:left;width:150px;color:#A89C90}
.foot .biz dd{margin:0 0 2px 150px}
@media (max-width:520px){.foot .biz dt{float:none;width:auto}.foot .biz dd{margin:0 0 8px}}
.foot .disc{margin-top:22px;padding-top:18px;border-top:1px solid #4A3F35;color:#A89C90}

/* 아래 고정 상담 줄 */
.dock{position:fixed;left:0;right:0;bottom:0;z-index:30;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-top:1px solid var(--line);padding:10px 16px calc(10px + env(safe-area-inset-bottom))}
.dock .wrap{display:flex;gap:10px;padding:0}
.dock .btn{flex:1;min-height:52px;padding:0 12px;font-size:17px;white-space:nowrap}
@media (max-width:620px){
  .steps>li{padding:20px 18px 20px 70px}
  .steps>li::before{left:16px;top:20px;width:40px;height:40px;font-size:18px}
  section.block{padding:48px 0}
  .card,.promise{padding:22px 18px}
}
.dock small{display:block;font-weight:500;font-size:13px;opacity:.75}
@media (min-width:821px){.dock{display:none}body{padding-bottom:0}}