@charset "utf-8";
/* 실비보험 가입조건 (bohumwise.co.kr) — 가이드북 스텝 매거진 / 산뜻한 탠저린 오렌지 + 틸 + 아이보리 */
:root{
  --ink:#22323a;--ink2:#32454e;
  --tan:#ff7a3d;--tan-d:#ec5f22;--tan-dd:#c8480f;--tan-soft:#ffe7d8;--tan-soft2:#ffc9ab;
  --teal:#12a3a3;--teal-d:#0c8585;--teal-dd:#0a6b6b;--teal-soft:#d4f2f0;--teal-soft2:#a5e3df;
  --soft:#6c7a82;--bg:#fdf8f2;--bg2:#f7efe3;--paper:#fffdfa;--line:#efe4d4;--line2:#e4d6c3;
  --r:18px;--shadow:0 10px 26px rgba(120,80,40,.10);--shadow-lg:0 24px 54px rgba(120,80,40,.16);
  --shadow-tan:0 14px 30px rgba(255,122,61,.34);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Pretendard',system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.74;-webkit-font-smoothing:antialiased;overflow-x:clip}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
button{font-family:inherit;color:inherit}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}

/* ---------- 헤더 ---------- */
header{position:sticky;top:0;z-index:60;background:rgba(253,248,242,.9);backdrop-filter:blur(12px);border-bottom:1px solid var(--line2)}
.nav{display:flex;align-items:center;justify-content:space-between;height:70px}
.brand{display:flex;align-items:center;gap:10px}
.brand .mark{width:34px;height:34px}.brand .mark svg{width:34px;height:34px;filter:drop-shadow(0 4px 10px rgba(255,122,61,.4))}
.brand h1{font-size:20px;font-weight:800;letter-spacing:-.6px;line-height:1;margin:0;color:var(--ink)}
nav ul{display:flex;gap:2px;list-style:none}
nav a{font-weight:600;font-size:14.5px;color:var(--ink);padding:9px 15px;border-radius:9px;transition:background .15s,color .15s}
nav a:hover{background:var(--tan-soft);color:var(--tan-dd)}
nav a.active{color:var(--tan-dd);font-weight:700;background:var(--tan-soft)}
.hbtn{background:var(--tan);color:#fff;border-radius:999px;padding:11px 22px;font-weight:800;font-size:14px;display:inline-flex;align-items:center;gap:6px;transition:transform .15s,box-shadow .15s;letter-spacing:-.2px;box-shadow:var(--shadow-tan)}
.hbtn:hover{transform:translateY(-2px);box-shadow:0 18px 34px rgba(255,122,61,.5);background:var(--tan-d)}
.burger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:6px;background:none;border:0}
.burger span{width:24px;height:2.5px;background:var(--ink);border-radius:2px}
.mmenu{display:none;position:fixed;inset:0;z-index:80;background:rgba(34,50,58,.5)}
.mmenu.open{display:block}
.mpanel{position:absolute;right:0;top:0;height:100%;width:78%;max-width:320px;background:var(--paper);padding:26px 24px;overflow-y:auto;box-shadow:-12px 0 32px rgba(34,50,58,.22)}
.mpanel .x{background:var(--tan-soft);border:0;width:38px;height:38px;border-radius:50%;font-size:20px;font-weight:800;cursor:pointer;display:block;margin-left:auto;color:var(--tan-dd)}
.mpanel ul{list-style:none;margin-top:18px}
.mpanel li{border-bottom:1px solid var(--line)}
.mlink{display:block;padding:14px 6px;font-weight:700;font-size:16px;color:var(--ink)}
.mlink:hover{color:var(--tan-dd)}
.mlink.hl{background:var(--tan);color:#fff;text-align:center;border-radius:999px;margin-top:18px;border-bottom:0;box-shadow:var(--shadow-tan)}

/* ---------- 공통 헤딩 ---------- */
.eyebrow{display:inline-flex;align-items:center;gap:9px;font-weight:800;font-size:12px;letter-spacing:2.5px;color:var(--tan-dd);text-transform:uppercase}
.eyebrow::before{content:"";width:22px;height:3px;border-radius:2px;background:var(--teal)}
.title{font-size:clamp(26px,3.6vw,38px);font-weight:800;letter-spacing:-1.2px;line-height:1.26;color:var(--ink);margin-top:14px}
.title .tn{color:var(--tan-d)}.title .te{color:var(--teal-d)}
.desc{margin-top:13px;color:var(--soft);font-size:15.5px;max-width:640px}
.desc b{color:var(--ink)}
.block{padding:64px 0}
.center{text-align:center}.center .desc{margin-left:auto;margin-right:auto}
.center .eyebrow{justify-content:center}

/* ---------- 매거진 히어로 ---------- */
.mhero{position:relative;overflow:clip;background:radial-gradient(760px 360px at 88% -40px,rgba(255,122,61,.16),transparent 58%),radial-gradient(560px 320px at 4% 100%,rgba(18,163,163,.13),transparent 60%),linear-gradient(180deg,#fffdfa,var(--bg));padding:54px 0 46px}
.mhero .issue{display:inline-flex;align-items:center;gap:10px;font-size:12px;font-weight:800;letter-spacing:2px;color:var(--teal-dd);background:var(--teal-soft);border:1px solid var(--teal-soft2);border-radius:999px;padding:7px 16px;margin-bottom:20px}
.mhero .issue b{color:var(--tan-dd)}
.mheadwrap{display:grid;grid-template-columns:1.5fr .9fr;gap:40px;align-items:center}
.mhero h2{font-size:clamp(32px,5vw,54px);font-weight:800;line-height:1.1;letter-spacing:-2px;color:var(--ink)}
.mhero h2 .tn{color:var(--tan-d)}.mhero h2 em{font-style:normal;position:relative;white-space:nowrap}
.mhero h2 em::after{content:"";position:absolute;left:0;right:0;bottom:4px;height:12px;background:var(--tan-soft2);z-index:-1;border-radius:3px}
.mhero .lead{margin-top:18px;font-size:16.5px;color:var(--soft);max-width:540px}
.mhero .lead b{color:var(--ink);font-weight:700}
.mcontents{background:var(--paper);border:1px solid var(--line2);border-radius:18px;padding:22px 24px;box-shadow:var(--shadow-lg)}
.mcontents .ttl{font-size:12px;font-weight:800;letter-spacing:2px;color:var(--tan-dd);margin-bottom:14px}
.mcontents ol{list-style:none;counter-reset:ct}
.mcontents li{counter-increment:ct;display:flex;align-items:center;gap:13px;padding:10px 0;border-bottom:1px dashed var(--line2);font-size:15px;font-weight:600;color:var(--ink)}
.mcontents li:last-child{border-bottom:0}
.mcontents li::before{content:counter(ct,decimal-leading-zero);font-size:13px;font-weight:800;color:#fff;background:var(--teal);width:28px;height:28px;border-radius:9px;display:grid;place-items:center;flex:none}
.mcontents li:nth-child(2n)::before{background:var(--tan)}
.mcontents a{display:flex;align-items:center;gap:13px;width:100%}
.mcontents a:hover{color:var(--tan-dd)}

/* ---------- 가로 폼 바 ---------- */
.qbarwrap{margin-top:34px}
.qbar{background:var(--paper);border:1px solid var(--line2);border-top:4px solid var(--tan);border-radius:18px;box-shadow:var(--shadow-lg);padding:18px 22px 20px;scroll-margin-top:90px}
.qbar-top{display:flex;align-items:center;gap:12px;margin-bottom:14px}
.qbar-top h3{font-size:17px;font-weight:800;letter-spacing:-.3px;color:var(--ink)}
.qbar-top h3 span{color:var(--tan-d)}
.qbar-top .free{background:var(--teal);color:#fff;font-size:11px;font-weight:800;padding:4px 11px;border-radius:999px}
.qbar-top .mini{margin-left:auto;font-size:12.5px;color:var(--soft);font-weight:600}
.qgrid{display:grid;grid-template-columns:1.05fr 1.25fr 1.05fr 1.4fr auto;gap:13px;align-items:end}
.field label{display:block;font-size:12px;font-weight:700;margin-bottom:6px;color:var(--ink);letter-spacing:-.2px}
.txt{width:100%;border:1.5px solid var(--line2);background:#fdfaf5;border-radius:11px;padding:12px 13px;font-size:15px;font-family:inherit;color:var(--ink);appearance:none;-webkit-appearance:none;transition:border .15s,box-shadow .15s,background .15s}
.txt:focus{outline:none;border-color:var(--tan);background:#fff;box-shadow:0 0 0 3px rgba(255,122,61,.16)}
.txt::placeholder{color:#b6a892}
select.txt{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2322323a' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;padding-right:30px}
.seg{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.seg button{border:1.5px solid var(--line2);background:#fdfaf5;border-radius:11px;padding:11px 0;font-size:14.5px;font-weight:700;cursor:pointer;color:var(--soft);transition:all .15s}
.seg button:hover{border-color:var(--tan);color:var(--tan-dd)}
.seg button.on{background:var(--tan);border-color:var(--tan);color:#fff}
.phone-row{display:grid;grid-template-columns:68px 1fr;gap:8px}
.submit{background:var(--tan);color:#fff;border:0;border-radius:12px;padding:13px 26px;font-size:15.5px;font-weight:800;letter-spacing:-.3px;cursor:pointer;box-shadow:var(--shadow-tan);transition:transform .12s,box-shadow .15s;white-space:nowrap;height:46px}
.submit:hover{transform:translateY(-2px);box-shadow:0 18px 34px rgba(255,122,61,.5);background:var(--tan-d)}
.submit:active{transform:translateY(1px)}
.qbar-foot{display:flex;align-items:center;gap:14px;margin-top:14px;flex-wrap:wrap}
.privacy_wrap{display:flex;align-items:center;gap:7px;font-size:12.5px}
.privacy_wrap input[type=checkbox]{width:16px;height:16px;accent-color:var(--tan)}
.privacy_label{font-weight:600;color:var(--ink)}
.privacy_view{font-weight:700;color:var(--teal-d);text-decoration:underline;text-underline-offset:3px}
.privacy_view:hover{color:var(--tan-dd)}
.err{display:none;background:#fdecec;border:1.5px solid #f3bdbd;border-radius:10px;color:#cf3b3b;font-size:13.5px;font-weight:700;padding:10px 14px;text-align:center;width:100%}

/* ---------- 마퀴 ---------- */
.insurers{padding:40px 0 6px}
.insurers .cap{text-align:center;font-size:11.5px;font-weight:800;color:var(--soft);letter-spacing:3px;margin-bottom:15px}
.marquee{overflow:hidden;width:100%;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.track{display:flex;gap:10px;list-style:none;width:max-content;animation:marquee 30s linear infinite;padding:4px 0}
.marquee:hover .track{animation-play-state:paused}
.track li{background:var(--paper);border:1px solid var(--line);border-radius:999px;padding:9px 22px;font-weight:700;font-size:14px;color:var(--teal-dd);white-space:nowrap}
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1!important;transform:none!important;transition:none!important}}

/* ---------- ★ 가이드북 (스티키 목차 + 롱폼) ---------- */
.guidesec{padding:64px 0}
.guidehead{max-width:720px;margin-bottom:30px}
.guide{display:grid;grid-template-columns:248px 1fr;gap:44px;align-items:start}
.gtoc{position:sticky;top:88px;align-self:start}
.gtoc .tl{font-size:12px;font-weight:800;letter-spacing:2px;color:var(--tan-dd);margin-bottom:14px}
.gtoc ol{list-style:none;counter-reset:gt;border-left:2px solid var(--line2);margin-left:4px}
.gtoc li{counter-increment:gt}
.gtoc a{position:relative;display:flex;align-items:center;gap:10px;padding:10px 0 10px 20px;margin-left:-2px;border-left:2px solid transparent;font-size:14px;font-weight:600;color:var(--soft);transition:color .15s,border-color .15s}
.gtoc a::before{content:counter(gt,decimal-leading-zero);font-size:11px;font-weight:800;color:var(--soft);flex:none}
.gtoc a:hover{color:var(--tan-dd)}
.gtoc a.on{color:var(--tan-dd);border-left-color:var(--tan);font-weight:800}
.gtoc a.on::before{color:var(--tan-d)}
.gbody{min-width:0}
.chapter{scroll-margin-top:92px;padding-bottom:52px;margin-bottom:48px;border-bottom:1px solid var(--line)}
.chapter:last-child{border-bottom:0;margin-bottom:0;padding-bottom:0}
.chapter .cnum{display:flex;align-items:center;gap:16px;margin-bottom:16px}
.chapter .cnum b{font-size:54px;font-weight:800;letter-spacing:-3px;color:var(--tan);line-height:.9;font-variant-numeric:tabular-nums}
.chapter:nth-child(2n) .cnum b{color:var(--teal)}
.chapter .cnum .cl{font-size:12px;font-weight:800;letter-spacing:2px;color:var(--soft)}
.chapter .cnum h2{font-size:clamp(22px,3vw,28px);font-weight:800;letter-spacing:-.8px;color:var(--ink);line-height:1.25}
.chapter > p{color:var(--soft);font-size:15.6px;margin-bottom:13px;line-height:1.8}
.chapter > p b{color:var(--ink)}
.chapter > p a{color:var(--tan-dd);text-decoration:underline;text-underline-offset:3px;font-weight:700}

/* 칩/체크/콜아웃 (가이드 본문 내부) */
.condgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:20px 0}
.condcard{border-radius:14px;padding:18px 20px;box-shadow:var(--shadow);border:1px solid}
.condcard.ok{background:var(--teal-soft);border-color:var(--teal-soft2)}
.condcard.no{background:var(--tan-soft);border-color:var(--tan-soft2)}
.condcard h4{font-size:15px;font-weight:800;margin-bottom:10px;display:flex;align-items:center;gap:8px;color:var(--ink)}
.condcard.ok h4 .bdg{background:var(--teal);color:#fff}
.condcard.no h4 .bdg{background:var(--tan);color:#fff}
.condcard .bdg{font-size:11px;font-weight:800;padding:3px 9px;border-radius:999px}
.condcard ul{list-style:none;display:grid;gap:7px}
.condcard li{position:relative;padding-left:22px;font-size:13.8px;color:var(--ink2);line-height:1.55}
.condcard.ok li::before{content:"✓";position:absolute;left:2px;color:var(--teal-d);font-weight:800}
.condcard.no li::before{content:"!";position:absolute;left:5px;color:var(--tan-d);font-weight:800}

.checklist{list-style:none;display:grid;gap:10px;margin:18px 0}
.checklist li{background:var(--paper);border:1px solid var(--line2);border-radius:12px;padding:13px 17px 13px 46px;position:relative;font-size:14.4px;color:var(--soft);box-shadow:var(--shadow)}
.checklist li::before{content:"✓";position:absolute;left:16px;top:12px;color:var(--teal-d);font-weight:800}
.checklist li b{color:var(--ink)}

.gentable{margin:20px 0;border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow);background:var(--paper);border:1px solid var(--line2)}
.gentable table{width:100%;border-collapse:collapse;font-size:14.2px}
.gentable th{background:var(--ink);color:#fff;font-weight:700;padding:13px 16px;text-align:left;word-break:keep-all}
.gentable th.hl{background:var(--tan-d)}
.gentable th b{color:var(--tan-soft2)}
.gentable td{padding:12px 16px;border-top:1px solid var(--line);color:var(--soft);vertical-align:top;line-height:1.6;word-break:keep-all}
.gentable td b{color:var(--ink)}
.gentable tr:nth-child(even) td{background:#fdf8f1}
.gentable td.pick{background:var(--teal-soft);color:var(--ink);font-weight:600}

.callout{margin:20px 0 0;background:var(--teal-soft);border:1px solid var(--teal-soft2);border-radius:var(--r);padding:20px 24px;display:flex;gap:15px;align-items:flex-start;box-shadow:var(--shadow)}
.callout.tn{background:var(--tan-soft);border-color:var(--tan-soft2)}
.callout .ci{flex:none;width:38px;height:38px;border-radius:11px;background:var(--paper);color:var(--teal-dd);display:grid;place-items:center;font-size:19px}
.callout.tn .ci{color:var(--tan-dd)}
.callout h3{font-size:16px;font-weight:800;margin-bottom:5px;color:var(--ink)}
.callout p{font-size:14px;color:var(--soft)}
.callout p a{color:var(--tan-dd);text-decoration:underline;text-underline-offset:3px;font-weight:700}

/* ---------- 6 메뉴 카드 (매거진 챕터 카드) ---------- */
.mgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:40px}
.mtile{background:var(--paper);border:1px solid var(--line2);border-radius:18px;box-shadow:var(--shadow);display:block;overflow:hidden;transition:transform .2s,box-shadow .2s;position:relative}
.mtile:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.mtile .mthumb{display:block;aspect-ratio:16/10;overflow:hidden;background:var(--tan-soft);position:relative}
.mtile .mthumb img{width:100%;height:100%;object-fit:cover;transition:transform .35s}
.mtile:hover .mthumb img{transform:scale(1.05)}
.mtile .mno{position:absolute;left:0;top:16px;z-index:2;background:var(--tan);color:#fff;font-size:13px;font-weight:800;letter-spacing:1px;padding:6px 14px 6px 12px;border-radius:0 999px 999px 0;box-shadow:var(--shadow)}
.mtile:nth-child(3n-1) .mno{background:var(--teal)}.mtile:nth-child(3n) .mno{background:var(--tan-d)}
.mtile .mcap{padding:18px 22px 20px}
.mtile .mcap b{display:block;font-size:17px;font-weight:800;color:var(--ink);letter-spacing:-.3px;margin-bottom:3px}
.mtile .mcap .ct{font-size:13.2px;color:var(--soft);display:flex;align-items:center;justify-content:space-between;gap:8px}
.mtile .mcap .go{color:var(--tan-d);font-weight:800;transition:transform .2s}
.mtile:hover .mcap .go{transform:translateX(4px)}

/* ---------- FAQ ---------- */
.faq{margin-top:30px;max-width:940px}
.faqcenter{margin-left:auto;margin-right:auto}
.qa{background:var(--paper);border:1px solid var(--line2);border-radius:14px;margin-bottom:11px;box-shadow:var(--shadow);overflow:hidden;transition:box-shadow .2s,border .2s}
.qa.open{border-color:var(--tan);box-shadow:var(--shadow-lg)}
.qa .q{width:100%;display:flex;align-items:center;justify-content:space-between;gap:14px;background:none;border:0;text-align:left;padding:18px 22px;font-size:15.5px;font-weight:700;cursor:pointer;color:var(--ink)}
.qa .q:hover{background:var(--bg)}
.qa .qmark{color:var(--tan-d);font-weight:800;margin-right:9px}
.qa .ar{width:27px;height:27px;border-radius:999px;background:var(--tan-soft);color:var(--tan-dd);display:grid;place-items:center;font-size:16px;font-weight:800;flex:none;transition:transform .25s,background .2s,color .2s}
.qa.open .ar{transform:rotate(45deg);background:var(--tan);color:#fff}
.qa .a{max-height:0;overflow:hidden;transition:max-height .35s ease;color:var(--soft);font-size:14.6px}
.qa .a > div{padding:0 22px 19px;border-top:1px solid var(--line);padding-top:14px}
.faqmore{display:inline-block;margin-top:16px;font-weight:700;font-size:14.5px;color:var(--tan-dd);text-decoration:underline;text-underline-offset:3px}
.faqmore:hover{color:var(--teal-d)}

/* ---------- CTA ---------- */
.ctaband{position:relative;background:linear-gradient(120deg,var(--tan),var(--tan-d));color:#fff;padding:50px 46px;border-radius:22px;overflow:clip;box-shadow:var(--shadow-lg);display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap}
.ctaband::before{content:"";position:absolute;right:-40px;top:-50px;width:210px;height:210px;border-radius:50%;background:rgba(18,163,163,.32)}
.ctaband::after{content:"";position:absolute;left:-30px;bottom:-50px;width:150px;height:150px;border-radius:50%;background:rgba(255,255,255,.12)}
.ctaband .ctxt{position:relative;z-index:1}
.ctaband .ctxt h2{font-size:clamp(22px,3.2vw,33px);font-weight:800;line-height:1.2;letter-spacing:-.8px;color:#fff}
.ctaband .ctxt h2 b{color:#fff;text-decoration:underline;text-decoration-color:rgba(255,255,255,.55);text-underline-offset:5px}
.ctaband .ctxt p{margin-top:10px;color:rgba(255,255,255,.94);font-size:15px}
.ctaband a{position:relative;z-index:1;flex:none;background:#fff;color:var(--tan-dd);border-radius:999px;padding:16px 40px;font-weight:800;font-size:16.5px;transition:transform .15s,box-shadow .15s}
.ctaband a:hover{transform:translateY(-2px);box-shadow:0 14px 30px rgba(0,0,0,.18);background:var(--ink);color:#fff}

/* ---------- 서브 히어로 ---------- */
.subhero{position:relative;overflow:clip;padding:54px 0 52px;background:radial-gradient(680px 300px at 84% -20px,rgba(18,163,163,.30),transparent 56%),linear-gradient(125deg,var(--tan) 0%,var(--tan-d) 96%);color:#fff}
.subhero .sgrid2{position:relative;z-index:1;max-width:840px}
.subhero .crumb{font-size:13px;color:rgba(255,255,255,.85);margin-bottom:16px;font-weight:500}
.subhero .crumb a{color:#fff;text-decoration:underline;text-underline-offset:3px;font-weight:600}
.subhero .crumb span{margin:0 7px;color:rgba(255,255,255,.55)}
.subhero .dept{display:inline-block;font-weight:800;font-size:12px;letter-spacing:2.5px;color:var(--tan-dd);margin-bottom:14px;background:#fff;padding:7px 16px;border-radius:999px}
.subhero h2{font-size:clamp(28px,4.5vw,46px);font-weight:800;line-height:1.14;letter-spacing:-1.4px;color:#fff}
.subhero h2 .co{color:#fff;position:relative}
.subhero h2 .co::after{content:"";position:absolute;left:0;right:0;bottom:2px;height:10px;background:rgba(18,163,163,.5);z-index:-1;border-radius:3px}
.subhero p{margin:15px 0 0;color:rgba(255,255,255,.92);font-size:15px;max-width:620px}

/* ---------- 본문 아티클 ---------- */
.article{padding:54px 22px 72px}
.article .inner{max-width:940px;margin:0 auto}
.article .sec{margin-bottom:50px}
.article h3.h{font-size:23px;font-weight:800;letter-spacing:-.6px;color:var(--ink);display:flex;align-items:center;gap:13px;margin-bottom:15px}
.article h3.h .hn{font-size:13px;font-weight:800;letter-spacing:1px;color:var(--tan-dd);background:var(--tan-soft);border-radius:8px;padding:4px 10px;flex:none}
.article p.t{color:var(--soft);font-size:15.6px;margin-bottom:12px;line-height:1.8}
.article p.t b{color:var(--ink)}
.article p.t a{color:var(--tan-dd);text-decoration:underline;text-underline-offset:3px;font-weight:700}
.article p.t a:hover{color:var(--teal-d)}
.steps{counter-reset:st;display:grid;gap:0;margin-top:22px;border:1px solid var(--line2);border-radius:14px;overflow:hidden;background:var(--paper);box-shadow:var(--shadow)}
.step{padding:22px 24px 22px 76px;position:relative;counter-increment:st;border-top:1px solid var(--line)}
.step:first-child{border-top:0}
.step::before{content:"0" counter(st);position:absolute;left:22px;top:20px;font-size:20px;font-weight:800;color:var(--tan-d);letter-spacing:-1px}
.step h3{font-size:17px;font-weight:800;letter-spacing:-.4px;margin-bottom:4px;color:var(--ink)}
.step p{font-size:14.2px;color:var(--soft)}
.step p b{color:var(--ink)}
.article .gentable{margin-top:22px}
.pts{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:24px}
.pt{background:var(--paper);border:1px solid var(--line2);border-radius:14px;box-shadow:var(--shadow);padding:24px;position:relative;overflow:hidden}
.pt::before{content:"";position:absolute;top:0;left:0;width:100%;height:5px;background:var(--tan)}
.pt:nth-child(2)::before{background:var(--teal)}.pt:nth-child(3)::before{background:var(--tan-d)}.pt:nth-child(4)::before{background:var(--teal-d)}
.pt .pn{font-size:12.5px;font-weight:800;letter-spacing:1px;color:var(--tan-dd);margin-bottom:10px}
.pt h4{font-size:17.5px;font-weight:800;color:var(--ink);margin-bottom:7px;letter-spacing:-.3px}
.pt p{font-size:13.9px;color:var(--soft);line-height:1.62}
.dx{display:grid;gap:14px;margin-top:24px}
.dxc{border:1px solid var(--line2);border-left-width:5px;border-left-color:var(--tan);border-radius:12px;background:var(--paper);box-shadow:var(--shadow);padding:20px 24px}
.dxc:nth-child(even){border-left-color:var(--teal)}
.dxc h3{font-size:18.5px;font-weight:800;letter-spacing:-.5px;margin-bottom:6px;color:var(--tan-dd)}
.dxc:nth-child(even) h3{color:var(--teal-dd)}
.dxc p{font-size:14.3px;color:var(--soft)}
.dxc p b{color:var(--ink)}

/* ---------- 푸터 ---------- */
footer{background:#1c2a30;color:#fff;padding:0 0 36px;margin-top:0}
footer::before{content:"";display:block;height:5px;margin-bottom:44px;background:linear-gradient(90deg,var(--tan),var(--teal))}
.fnotes{background:rgba(255,255,255,.06);border-radius:13px;padding:20px 24px;font-size:12.6px;line-height:1.85;color:rgba(255,255,255,.72)}
.fnotes .strong{font-weight:800;color:var(--tan-soft2);margin-bottom:6px}
.fbot{display:flex;align-items:flex-end;justify-content:space-between;gap:20px;margin-top:26px;flex-wrap:wrap}
.fbrand{display:flex;align-items:center;gap:9px;font-weight:800;font-size:19px;letter-spacing:-.5px;color:#fff}
.fbrand .mark{width:26px;height:26px}.fbrand .mark svg{width:26px;height:26px}
.fcorp{margin-top:8px;font-size:12.4px;color:rgba(255,255,255,.5)}
.flinks{display:flex;gap:18px}
.flinks a{font-size:13.4px;font-weight:700;color:var(--tan-soft2);text-decoration:underline;text-underline-offset:3px}
.flinks a:hover{color:#fff}

/* ---------- 모달 ---------- */
.modal{display:none;position:fixed;inset:0;z-index:120;background:rgba(34,50,58,.55);padding:20px}
.modal.open{display:flex;align-items:center;justify-content:center}
.mbox{background:var(--paper);width:100%;max-width:480px;border-radius:18px;box-shadow:0 30px 70px rgba(0,0,0,.4);animation:rise .25s ease;overflow:hidden}
#termsModal .mbox{max-width:760px}
@keyframes rise{from{transform:translateY(18px);opacity:0}to{transform:none;opacity:1}}
.mtop{display:flex;align-items:center;justify-content:space-between;padding:14px 24px;background:var(--tan-d)}
.mtop h3{font-size:18px;font-weight:800;color:#fff}
.mclose{background:rgba(255,255,255,.22);border:0;width:32px;height:32px;border-radius:50%;font-size:18px;font-weight:900;cursor:pointer;line-height:1;color:#fff}
.mclose:hover{background:#fff;color:var(--tan-dd)}
.mbody{padding:22px 24px;max-height:60vh;overflow-y:auto}
.mbody.nopad{padding:0;max-height:none;overflow:hidden}
.terms-frame{width:100%;height:65vh;border:0;display:block;background:#fff}
.mfoot{display:flex;gap:10px;justify-content:flex-end;padding:14px 22px;border-top:1px solid var(--line);background:var(--bg)}
.mbtn{background:var(--tan-d);color:#fff;border:0;border-radius:11px;padding:12px 24px;font-weight:800;font-size:14.5px;cursor:pointer;transition:background .15s;box-shadow:var(--shadow-tan)}
.mbtn:hover{background:var(--tan-dd)}
.mbtn.ghost{background:var(--paper);color:var(--ink);border:1.5px solid var(--line2);box-shadow:none}
.mbtn.ghost:hover{background:var(--ink);color:#fff;border-color:var(--ink)}
.mbtn.full{width:100%}
.smsinfo{font-size:15px;text-align:center;margin-bottom:16px;color:var(--soft)}
.smsinfo b{color:var(--tan-dd)}
.resend{display:block;margin:13px auto 0;background:none;border:0;font-size:13.5px;font-weight:600;color:var(--soft);text-decoration:underline;text-underline-offset:3px;cursor:pointer}
.resend:hover{color:var(--tan-dd)}
.field.mfield{margin-top:18px}
.mfield label{display:block;font-size:13px;font-weight:700;margin-bottom:4px;color:var(--ink)}
.demohint{display:none}

.reveal{opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}

/* ---------- 반응형 ---------- */
@media (max-width:980px){
  nav{display:none}
  header .hbtn{display:none}
  .burger{display:flex}
  .mhero{padding:34px 0 38px}
  .mheadwrap{grid-template-columns:1fr;gap:26px}
  .qgrid{grid-template-columns:1fr 1fr;gap:12px}
  .qgrid .submit{grid-column:1 / -1;width:100%;height:50px}
  .guide{grid-template-columns:1fr;gap:0}
  .gtoc{position:static;display:flex;gap:8px;overflow-x:auto;border-bottom:1px solid var(--line2);padding-bottom:10px;margin-bottom:26px}
  .gtoc .tl{display:none}
  .gtoc ol{display:flex;gap:8px;border-left:0;margin:0}
  .gtoc a{white-space:nowrap;border:1px solid var(--line2);border-radius:999px;padding:8px 14px;margin:0}
  .gtoc a.on{border-color:var(--tan);background:var(--tan-soft)}
  .condgrid{grid-template-columns:1fr}
  .mgrid{grid-template-columns:1fr 1fr}
  .pts{grid-template-columns:1fr}
  .ctaband{flex-direction:column;align-items:flex-start;text-align:left}
}
@media (max-width:600px){
  .qgrid{grid-template-columns:1fr}
  .mgrid{grid-template-columns:1fr}
  .chapter .cnum{gap:12px}
  .chapter .cnum b{font-size:42px}
  .gentable table,.gentable tbody,.gentable tr,.gentable td{display:block;width:100%}
  .gentable thead{display:none}
  .gentable tr{border-top:2px solid var(--line2);padding:4px 0}
  .gentable tr:first-child{border-top:0}
  .gentable td{border-top:0;padding:8px 16px}
  .gentable td:first-child{padding-top:14px}
  .gentable td b{display:inline-block;margin-bottom:2px;color:var(--tan-dd)}
  /* 세대 비교표는 가로 유지(스크롤) */
  .gentable.gen{overflow-x:auto}
  .gentable.gen table,.gentable.gen tbody,.gentable.gen tr,.gentable.gen thead,.gentable.gen th,.gentable.gen td{display:revert}
  .gentable.gen table{display:table;min-width:560px}
  .gentable.gen td{font-size:13px;padding:10px 12px}
  .gentable.gen td b{display:inline;margin:0;color:var(--ink)}
}