:root{
  --paper:#faf8f4; --card:#ffffff; --ink:#1b2a41; --ink-2:#3d4a5c; --muted:#6b7686;
  --line:#e6e1d8; --line-2:#d9d2c5; --seal:#c8553d; --seal-d:#a84530; --seal-bg:#fbeee9;
  --blue:#2b5797; --blue-bg:#eaf0f9; --ok:#2f7d5b;
  --r:14px; --shadow:0 1px 2px rgba(27,42,65,.06),0 6px 20px rgba(27,42,65,.06);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font-family:"Pretendard Variable",Pretendard,-apple-system,BlinkMacSystemFont,"Apple SD Gothic Neo","Malgun Gothic",sans-serif;font-size:16.5px;line-height:1.7;word-break:keep-all;overflow-wrap:anywhere}
a{color:var(--blue)}
img{max-width:100%}
.wrap{max-width:1040px;margin:0 auto;padding:0 16px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

/* header */
.site-header{background:var(--card);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.site-header .wrap{display:flex;align-items:center;gap:20px;height:60px}
.brand{display:inline-flex;align-items:center;gap:9px;font-weight:800;font-size:18px;color:var(--ink);text-decoration:none;letter-spacing:-.02em}
.seal{display:inline-grid;place-items:center;width:30px;height:30px;font-size:26px;line-height:1}
.nav{display:flex;gap:4px;margin-left:auto;overflow-x:auto;scrollbar-width:none}
.nav::-webkit-scrollbar{display:none}
.nav a{white-space:nowrap;padding:7px 11px;border-radius:9px;color:var(--ink-2);text-decoration:none;font-size:15px;font-weight:600}
.nav a:hover{background:var(--paper);color:var(--ink)}

/* hero */
.hero{background:linear-gradient(180deg,#fff 0%,var(--paper) 100%);border-bottom:1px solid var(--line);padding:40px 0 32px;margin:0}
.hero h1{font-size:clamp(30px,5vw,46px);line-height:1.2;letter-spacing:-.035em;margin:6px 0 14px}
.hero .lead{max-width:640px}
.eyebrow{display:inline-block;font-size:13.5px;font-weight:700;color:var(--seal);letter-spacing:.01em}
.lead{font-size:17.5px;color:var(--ink-2);margin:0 0 20px}
.search{display:block;max-width:560px}
.search input{width:100%;font:inherit;font-size:17px;padding:15px 18px 15px 48px;border:2px solid var(--ink);border-radius:var(--r);background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='22' height='22' fill='none' stroke='%231b2a41' stroke-width='2.2' stroke-linecap='round'%3E%3Ccircle cx='10' cy='10' r='7'/%3E%3Cpath d='m15.5 15.5 4 4'/%3E%3C/svg%3E") no-repeat 16px center;outline:none}
.search input:focus{border-color:var(--seal);box-shadow:0 0 0 4px var(--seal-bg)}
.quick{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:16px 0 0}
.quick a{display:inline-block;padding:5px 12px;border:1px solid var(--line-2);border-radius:999px;background:#fff;font-size:14.5px;color:var(--ink-2);text-decoration:none}
.quick a:hover{border-color:var(--ink);color:var(--ink)}

/* sections */
section{margin:40px 0}
section.hero{margin:0}
.sec-title{font-size:23px;letter-spacing:-.025em;margin:0 0 6px}
.sec-title a{color:inherit;text-decoration:none}
.sec-title span{font-size:14px;color:var(--seal);vertical-align:middle;margin-left:6px}
.sec-desc{color:var(--muted);margin:0 0 16px;font-size:15.5px}
.empty{text-align:center;color:var(--muted);padding:40px 0}

/* cards */
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:14px;margin-top:14px}
.card{position:relative;display:flex;flex-direction:column;gap:5px;padding:18px 18px 16px;background:var(--card);border:1px solid var(--line);border-radius:var(--r);text-decoration:none;color:var(--ink);box-shadow:var(--shadow);transition:transform .15s,border-color .15s}
.card:hover{transform:translateY(-2px);border-color:var(--ink)}
.card[hidden]{display:none}
.card-cat{font-size:12.5px;color:var(--muted);font-weight:600}
.card strong{font-size:19px;letter-spacing:-.02em}
.card-desc{font-size:14.5px;color:var(--ink-2);line-height:1.55;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
.card-fmt{display:flex;gap:6px;margin-top:6px}
.card-fmt i{font-style:normal;font-size:11.5px;font-weight:700;padding:2px 7px;border-radius:5px;background:var(--blue-bg);color:var(--blue)}
.card-fmt i+i{background:var(--seal-bg);color:var(--seal-d)}

/* page */
.page{padding-top:18px;padding-bottom:40px}
.crumbs{font-size:14px;color:var(--muted);display:flex;flex-wrap:wrap;gap:6px;align-items:center}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--ink);text-decoration:underline}
.page-head{margin:18px 0 8px}
.page-head h1{font-size:clamp(27px,4.4vw,38px);line-height:1.25;letter-spacing:-.035em;margin:6px 0 12px}
.page-head h1 small{font-size:.55em;color:var(--muted);font-weight:600;letter-spacing:0}
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 22px;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.facts div{padding:12px 14px;border-right:1px solid var(--line)}
.facts div:last-child{border-right:0}
.facts dt{font-size:12.5px;color:var(--muted)}
.facts dd{margin:2px 0 0;font-weight:700;font-size:15px}
article section h2,.page section h2{font-size:22px;letter-spacing:-.025em;margin:0 0 14px}
.answer-box{background:#fff;border:1px solid var(--line);border-left:5px solid var(--seal);border-radius:var(--r);padding:20px 22px}
.answer-box p{margin:0}
.chips{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:0}
.chips li{background:#fff;border:1px solid var(--line-2);padding:7px 13px;border-radius:10px;font-size:15px}
.check{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.check li{position:relative;padding:10px 14px 10px 42px;background:#fff;border:1px solid var(--line);border-radius:10px}
.check li::before{content:"";position:absolute;left:14px;top:15px;width:16px;height:16px;border:2px solid var(--seal);border-radius:4px}
.check li::after{content:"";position:absolute;left:19px;top:17px;width:6px;height:10px;border:solid var(--seal);border-width:0 2px 2px 0;transform:rotate(40deg)}
.steps{list-style:none;padding:0;margin:0;counter-reset:s;display:grid;gap:12px}
.steps li{counter-increment:s;position:relative;padding:16px 18px 16px 66px;background:#fff;border:1px solid var(--line);border-radius:var(--r)}
.steps li::before{content:counter(s);position:absolute;left:18px;top:16px;width:32px;height:32px;display:grid;place-items:center;border-radius:50%;background:var(--ink);color:#fff;font-weight:800}
.steps h3{margin:2px 0 4px;font-size:17.5px}
.steps p{margin:0;color:var(--ink-2)}
.caution{background:#fff8ef;border:1px solid #f0dcc0;border-radius:var(--r);padding:20px 22px}
.caution ul{margin:0;padding-left:20px}
.caution li{margin:6px 0}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:8px}
.faq summary{cursor:pointer;padding:15px 44px 15px 18px;font-weight:700;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:18px;top:11px;font-size:22px;color:var(--seal)}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:0;padding:0 18px 16px;color:var(--ink-2)}
.cta{display:flex;gap:20px;align-items:center;justify-content:space-between;background:var(--ink);color:#fff;border-radius:var(--r);padding:24px 26px}
.cta strong{font-size:19px}
.cta p{margin:4px 0 0;color:#c9d1dd;font-size:15px}
.ext ul{margin:0;padding-left:20px}
.tbl{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;font-size:15px}
.tbl th,.tbl td{padding:11px 14px;border-bottom:1px solid var(--line);text-align:left}
.tbl th{background:#f3efe8}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:800;text-decoration:none;border-radius:12px;transition:background .15s,transform .1s}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--seal);color:#fff;padding:13px 22px}
.btn-primary:hover{background:var(--seal-d)}
.btn-lg{font-size:17px;padding:15px 26px}
.cta .btn{flex-shrink:0}

/* download page */
.checklist ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.checklist li{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 14px}
.checklist input{width:20px;height:20px;margin-top:3px;accent-color:var(--seal);flex-shrink:0}
.fmt-compare{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.fmt{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px}
.fmt h3{font-size:17px;margin:10px 0 6px}
.fmt p{margin:0;font-size:15px;color:var(--ink-2)}
.fmt-tag{font-size:12px;font-weight:800;padding:3px 9px;border-radius:6px}
.fmt-tag.docx{background:var(--blue-bg);color:var(--blue)}
.fmt-tag.pdf{background:var(--seal-bg);color:var(--seal-d)}
.note{background:var(--blue-bg);border-radius:10px;padding:12px 16px;font-size:15px;margin:14px 0 0}
.download-box{background:#fff;border:2px solid var(--ink);border-radius:18px;padding:26px;text-align:center;margin-top:48px;margin-bottom:48px}
.download-box h2{margin-bottom:6px}
.download-box>p{color:var(--ink-2);margin:0 0 18px}
.dl-buttons{display:grid;grid-template-columns:1fr 1fr;gap:12px;max-width:620px;margin:0 auto}
.btn-dl{padding:16px 18px;color:#fff;text-align:left;justify-content:flex-start;gap:14px}
.btn-dl strong{display:block;font-size:17px}
.btn-dl small{display:block;font-weight:500;opacity:.85;font-size:13px}
.btn-dl.docx{background:var(--blue)}
.btn-dl.docx:hover{background:#214679}
.btn-dl.pdf{background:var(--seal)}
.btn-dl.pdf:hover{background:var(--seal-d)}
.dl-ico{display:grid;place-items:center;width:40px;height:40px;border-radius:9px;background:rgba(255,255,255,.18);font-weight:900;font-size:19px}
.fine{font-size:13px;color:var(--muted);margin:16px 0 0}
.mini-steps{padding-left:22px;margin:0 0 10px}
.mini-steps li{margin:6px 0}

/* ads: 다운로드 버튼과 충분히 떨어뜨려 오클릭 방지 (애드센스 정책) */
.ad{margin:34px 0;min-height:100px;text-align:center}
.ad-label{display:block;font-size:11px;color:#a3aab5;letter-spacing:.08em;margin-bottom:4px}

/* how */
.how ol{list-style:none;padding:0;margin:14px 0 0;display:grid;grid-template-columns:repeat(3,1fr);gap:12px;counter-reset:h}
.how li{counter-increment:h;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px}
.how li::before{content:"0" counter(h);display:block;font-weight:900;color:var(--seal);font-size:14px}
.how strong{display:block;font-size:18px;margin:2px 0}
.how span{color:var(--ink-2);font-size:15px}

/* prose */
.prose{max-width:760px}
.prose h2{font-size:20px;margin:30px 0 8px}
.prose .mail{font-size:20px;font-weight:700}

/* footer */
.site-footer{background:var(--ink);color:#c9d1dd;margin-top:40px;padding:40px 0 24px;font-size:14.5px}
.site-footer .brand{color:#fff}
.site-footer a{color:#c9d1dd;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:24px}
.foot-grid h3{color:#fff;font-size:15px;margin:4px 0 10px}
.foot-grid ul{list-style:none;padding:0;margin:0}
.foot-grid li{margin:5px 0}
.copy{border-top:1px solid rgba(255,255,255,.12);margin-top:28px;padding-top:16px;font-size:13px;color:#8e99aa}

@media (max-width:760px){
  body{font-size:16px}
  .site-header .wrap{height:auto;flex-wrap:wrap;gap:4px;padding-top:10px;padding-bottom:6px}
  .nav{margin-left:0;width:100%}
  .site-header{position:static}
  .hero{padding:32px 0 26px}
  .facts{grid-template-columns:1fr 1fr}
  .facts div:nth-child(2){border-right:0}
  .facts div:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .cta{flex-direction:column;align-items:stretch;text-align:left}
  .fmt-compare,.dl-buttons,.how ol{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .foot-grid>div:first-child{grid-column:1/-1}
  .page-head .btn-lg{width:100%}
}

/* ===== 모바일 최적화 ===== */
@media (max-width:760px){
  .nav{flex-wrap:wrap;gap:2px 0;overflow:visible}
  .nav a{padding:6px 8px;font-size:14px}
  .grid{grid-template-columns:1fr 1fr;gap:10px}
  .card{padding:13px 12px 12px;gap:3px;border-radius:12px}
  .card strong{font-size:16px;line-height:1.35}
  .card-cat{font-size:11.5px}
  .card-desc{display:none}
  .card-fmt{margin-top:4px}
  .sec-title{font-size:20px}
  .sec-desc{font-size:14.5px;margin-bottom:10px}
  section{margin:30px 0}
  .lead{font-size:16px}
  .hero h1{font-size:29px}
  .quick a{font-size:13.5px;padding:5px 11px}
  .page-head h1{font-size:25px}
  .facts dd{font-size:14px}
  .answer-box,.caution{padding:16px}
  .steps li{padding:14px 14px 14px 56px}
  .steps li::before{left:14px;top:14px;width:28px;height:28px;font-size:14px}
  .steps h3{font-size:16.5px}
  .check li{padding:9px 12px 9px 38px;font-size:15px}
  .check li::before{left:12px;top:13px}
  .check li::after{left:17px;top:15px}
  .chips li{font-size:14px;padding:6px 11px}
  .faq summary{padding:13px 40px 13px 14px;font-size:15.5px}
  .faq details p{padding:0 14px 14px;font-size:15px}
  .cta{padding:20px 18px}
  .download-box{padding:22px 16px;margin-top:36px;margin-bottom:36px}
  .btn-dl{padding:14px 16px}
  .tbl{font-size:14px}
  .tbl th,.tbl td{padding:9px 10px}
  .how ol{gap:8px}
  .ad{margin:26px 0}
  .site-footer{padding-top:30px}
}
@media (max-width:360px){
  .grid{grid-template-columns:1fr}
}
/* 터치 기기: 호버 효과 제거로 깜빡임 방지 */
@media (hover:none){ .card:hover{transform:none} }