:root{--ink:#20262e;--sub:#5a6672;--line:#e9ecef;--blue:#2E90D9;--navy:#17324f;--soft:#f7f8fa;--red:#E4231B;--red-d:#BE160F}
*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}
body{font-family:"Noto Sans KR",-apple-system,sans-serif;color:var(--ink);background:#fff;font-size:16.5px;line-height:1.95;padding-bottom:70px}
.top .call{display:inline-block;background:var(--red);color:#fff;font-weight:800;font-size:13px;padding:7px 13px;border-radius:8px;margin-left:10px}
.stickycta{position:fixed;left:0;right:0;bottom:0;z-index:80;background:var(--red);color:#fff;display:flex;align-items:center;justify-content:center;gap:8px;padding:16px 14px;font-weight:800;font-size:19px;letter-spacing:.02em;box-shadow:0 -3px 16px rgba(0,0,0,.22);white-space:nowrap;overflow:hidden;text-overflow:clip}
.stickycta:hover{background:var(--red-d);color:#fff}
@media(max-width:640px){.stickycta{font-size:clamp(14px,4.2vw,19px);letter-spacing:0;padding:14px 8px;gap:6px}}
.wrap{max-width:760px;margin:0 auto;padding:0 22px}a{color:var(--blue);text-decoration:none}
.top{border-bottom:1px solid var(--line)}.top .wrap{display:flex;justify-content:space-between;align-items:center;height:54px}
.top .logo{display:flex;align-items:center}
.top .logo .logoimg{height:42px;width:auto;display:block}
.top .tel{font-size:14px;color:var(--sub);font-weight:600;white-space:nowrap}@media(max-width:430px){.top .tel{font-size:12px}.top .call{font-size:12.5px;padding:6px 10px;margin-left:6px}.top .logo .logoimg{height:36px}}@media(max-width:340px){.top .tel{font-size:0}.top .call{font-size:12.5px}}
.catbar{border-bottom:1px solid var(--line);background:#fff}
.catbar .wrap{display:flex;gap:2px;overflow-x:auto;scrollbar-width:none}.catbar .wrap::-webkit-scrollbar{display:none}
.catbar a{padding:12px 14px;font-size:14px;font-weight:600;color:var(--navy);white-space:nowrap;border-bottom:2px solid transparent}
.catbar a.on,.catbar a:hover{color:var(--blue);border-bottom-color:var(--blue)}
article{padding:16px 0 40px}
.cat{font-size:13px;color:var(--blue);font-weight:700;margin-bottom:8px}
h1{font-size:26px;font-weight:800;line-height:1.42;letter-spacing:-.02em;color:#131a22;margin-bottom:12px;word-break:keep-all}
.meta{font-size:13px;color:var(--sub);border-bottom:1px solid var(--line);padding-bottom:16px;margin-bottom:22px}.meta b{color:var(--ink)}
p{margin:15px 0;color:#2c333b;word-break:keep-all}
.toc{border:1px solid var(--line);border-radius:8px;background:var(--soft);padding:16px 20px;margin:22px 0}
.toc b{display:block;font-size:14px;color:var(--navy);font-weight:700;margin-bottom:8px}.toc ul{margin:0;padding-left:17px}.toc li{margin:5px 0;font-size:14px}
h2{font-size:20px;font-weight:800;color:#16202b;margin:38px 0 10px;line-height:1.45;word-break:keep-all;scroll-margin-top:16px}
h3{font-size:17px;font-weight:700;color:#22303f;margin:24px 0 8px}
h4{font-size:15.5px;font-weight:700;color:#2b3948;margin:18px 0 4px;padding-left:11px;border-left:3px solid #cdd9e6}
.riskli{margin:14px 0 8px;padding-left:20px}.riskli li{margin:8px 0;color:#2c333b;line-height:1.75}
.kwc{border-top:1px solid var(--line);margin-top:34px;padding-top:22px}
.kwc>b{display:block;font-size:15px;color:var(--navy);margin-bottom:6px}
.kwc h3{font-size:15px;color:var(--blue);margin:18px 0 6px}
.kwnet{color:#8894a2;font-size:12.5px;line-height:1.95;margin:0 0 6px}
figure{margin:20px 0}
figure img{width:100%;aspect-ratio:16/10;object-fit:cover;border-radius:6px;border:1px solid #dfe4ea;display:block}
figure .img{width:100%;aspect-ratio:16/10;border-radius:6px;background:linear-gradient(135deg,#e6ebf0,#d3dbe4);display:flex;align-items:center;justify-content:center;color:#8492a2;font-size:12px;font-weight:600;text-align:center;padding:10px;border:1px solid #dfe4ea}
.ba{display:grid;grid-template-columns:1fr 1fr;gap:2px;border-radius:6px;overflow:hidden;border:1px solid #dfe4ea}
.ba .s{aspect-ratio:4/3;display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:600;position:relative}
.ba .b{background:#e6ebf0;color:#8492a2}.ba .a{background:#e3eef6;color:var(--blue)}
.ba .s span{position:absolute;top:8px;left:8px;font-size:10.5px;font-weight:800;color:#fff;background:rgba(60,72,86,.85);padding:2px 8px;border-radius:5px}.ba .a span{left:auto;right:8px;background:rgba(26,109,196,.9)}
figcaption{font-size:13px;color:var(--sub);margin-top:8px;text-align:center}
table{border-collapse:collapse;width:100%;font-size:14.5px;margin:18px 0}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left}th{background:var(--soft);font-weight:700;color:var(--navy)}
blockquote{border-left:3px solid var(--blue);background:var(--soft);padding:14px 18px;margin:12px 0;font-size:15px;color:#3a444e;border-radius:0 6px 6px 0}
blockquote .st{color:#f5a623;letter-spacing:1px;font-size:14px}
blockquote .m{display:block;font-size:12.5px;color:var(--sub);margin-top:6px}
.faqq{font-weight:700;color:#16202b;margin:20px 0 4px}.faqa{color:#3a444e;margin:0 0 4px}
.callout{border:1px solid #d6e2f0;background:#f2f7fc;border-radius:8px;padding:16px 20px;margin:26px 0;font-size:15px}.callout b{color:var(--navy)}.callout .p{font-size:18px;font-weight:800;color:var(--navy);margin-top:4px}
.related{border-top:1px solid var(--line);margin-top:34px;padding-top:20px;font-size:14px}
.related b{display:block;color:var(--navy);margin:10px 0 6px}.related a{margin-right:12px;line-height:2}
.kw{color:#8894a2;font-size:12.5px;line-height:2;margin-top:10px}
footer{border-top:1px solid var(--line);color:var(--sub);font-size:12.5px;padding:20px 0 46px;text-align:center;margin-top:24px}
/* --- UI 폴리시 v2 --- */
th,td{word-break:keep-all}
@media(max-width:480px){table{font-size:13.5px}th,td{padding:9px 10px}}
figure img{box-shadow:0 4px 14px rgba(19,36,67,.09)}
h2{margin-top:44px}
.summary{background:linear-gradient(180deg,#f4f8fc,#f8f9fb)}
.rate{background:linear-gradient(180deg,#fff9ee,#f8f9fb);border-color:#f0e3c6}
.callout{background:linear-gradient(180deg,#f2f7fc,#eaf2fb)}
.top .call{font-size:14px;padding:8px 14px}
.arthero{position:relative;color:#fff;padding:32px 0;background:#0c1830;background-size:cover;background-position:center 35%;overflow:hidden}
.arthero::before{content:"";position:absolute;inset:0;background:linear-gradient(150deg,rgba(14,29,53,.90) 0%,rgba(12,24,45,.86) 45%,rgba(9,17,34,.93) 100%)}
.arthero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:4px;background:linear-gradient(90deg,var(--red),#ff6152)}
.arthero .wrap{position:relative;z-index:1}
.arthero .bc{font-size:12.5px;color:#9db4d3;font-weight:600;display:flex;flex-wrap:wrap;gap:7px;align-items:center}
.arthero .bc a{color:#9db4d3}.arthero .bc a:hover{color:#fff}.arthero .bc span{opacity:.5}
.arthero h1{color:#fff;margin:12px 0 0;border:0}
.arthero .hsub{color:#c6d6ea;font-size:14px;font-weight:500;margin:12px 0 0}
.arthero .hchips{display:flex;flex-wrap:wrap;gap:7px;margin-top:16px}
.arthero .hchips span{background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.2);color:#eaf2fb;font-size:12.5px;font-weight:700;padding:6px 12px;border-radius:999px}
.arthero .hchips span.rt{background:rgba(255,197,49,.16);border-color:rgba(255,197,49,.5);color:#ffd873}
.arthero .hchips span::before{content:"";margin:0}
.arthero .hcta{display:inline-flex;align-items:center;gap:9px;margin-top:20px;background:var(--red);color:#fff;font-weight:800;font-size:18px;padding:14px 24px;border-radius:11px;box-shadow:0 10px 26px rgba(2,132,199,.34)}
.arthero .hcta:hover{background:var(--red-d);color:#fff}
blockquote{border-left-width:4px}
.chips{display:flex;flex-wrap:wrap;gap:7px;margin:14px 0 4px}
.chips span::before{content:"✓";color:var(--blue);font-weight:900;margin-right:5px}
.chips span.rt::before{content:"";margin:0}
.chips span{display:inline-flex;align-items:center;gap:4px;background:#f2f7fc;border:1px solid #d6e2f0;color:var(--navy);font-size:12.5px;font-weight:700;padding:6px 11px;border-radius:999px}
.chips span.rt{background:#fff6e9;border-color:#f3d9a8;color:#b9770a}
.summary{border:1px solid var(--line);border-left:4px solid var(--blue);background:var(--soft);border-radius:8px;padding:16px 20px;margin:20px 0}
.summary b{display:block;font-size:13.5px;color:var(--blue);font-weight:800;margin-bottom:9px;letter-spacing:.01em}
.summary ul{margin:0;padding-left:18px}.summary li{font-size:14.5px;color:#2c333b;margin:6px 0;line-height:1.7}
h2{position:relative;padding-left:14px}h2::before{content:"";position:absolute;left:0;top:5px;bottom:5px;width:4px;border-radius:3px;background:var(--blue)}
.rate{display:flex;align-items:center;gap:10px;background:var(--soft);border:1px solid var(--line);border-radius:8px;padding:12px 16px;margin:14px 0 10px}
.rate .num{font-size:26px;font-weight:800;color:var(--navy);line-height:1}
.rate .st{color:#f5a623;font-size:15px;letter-spacing:1px}
.rate .lbl{font-size:12.5px;color:var(--sub);margin-top:2px}

.idxwrap{margin:14px 0 8px}
.idxnote{font-size:15px;color:#2c333b;line-height:1.85;margin:0 0 14px}
.idxsido{display:flex;flex-wrap:wrap;gap:8px}
.idxsido span{font-size:13.5px;color:#20486f;background:#eef3f9;border:1px solid #dce6f1;border-radius:999px;padding:7px 13px}
.eqtbl{width:100%;border-collapse:collapse;margin:14px 0;font-size:14px}
.eqtbl th,.eqtbl td{border:1px solid #e6e8eb;padding:10px 12px;text-align:left;vertical-align:top}
.eqtbl th{background:#f4f6fa;color:#132443;font-weight:800}

/* 푸터 사업자 정보 — 이 마크업은 원본에 없던 것(운영자 지시로 전 페이지에 추가)이라
   원본 CSS 에 규칙이 없다. 기사 계열 푸터는 밝은 배경이라 홈(어두운 푸터)의 .biz 값을
   그대로 쓰면 구분선이 안 보인다 — 같은 역할, 밝은 톤으로 맞춘다. */
.biz{margin-top:10px;padding-top:10px;border-top:1px solid var(--line);font-size:12px;color:var(--sub);line-height:1.8}