/* ============ 신뢰감 있는 금융 보고서 디자인 시스템 ============ */
:root {
  /* 베이스 */
  --paper: #FAFAF7;
  --paper-soft: #F4F3EE;
  --paper-line: #E8E5DD;
  --surface: #FFFFFF;

  /* 메인 - 딥 네이비 + 골드 */
  --navy: #0F2D52;
  --navy-dark: #081E3A;
  --navy-soft: #4A6585;
  --navy-line: #C8D0DB;
  --navy-bg: #EEF1F6;

  --gold: #B8924C;
  --gold-dark: #8C6E36;
  --gold-soft: #E8DBBF;
  --gold-bg: #F8F2E5;

  /* 상태 색상 (절제된 톤) */
  --good: #2C7A5B;
  --good-bg: #E8F2EC;
  --good-line: #A5CFB8;

  --fair: #B8924C;
  --fair-bg: #F8F2E5;

  --bad: #A33B3B;
  --bad-bg: #F2E5E5;
  --bad-line: #D9B0B0;

  --none: #8E8B82;
  --none-bg: #ECEAE5;

  /* 텍스트 */
  --ink: #1A1A1A;
  --ink-soft: #3A3A3A;
  --ink-mid: #6B6B6B;
  --ink-light: #9A9A9A;

  /* 시리프 */
  --serif: 'Noto Serif KR', 'Times New Roman', serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; -webkit-tap-highlight-color: transparent; }
html { scroll-behavior: smooth; }

body {
  font-family: 'Pretendard Variable', Pretendard, -apple-system, sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  font-size: 15.5px;
  letter-spacing: -0.1px;
}

a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; color: inherit; }
img { max-width: 100%; display: block; }

.serif { font-family: var(--serif); }

.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }

/* ============ 상단 스트립 ============ */
.top-strip {
  background: var(--navy-dark);
  color: rgba(255, 255, 255, 0.75);
  padding: 9px 0;
  font-size: 11.5px;
  font-weight: 500;
  letter-spacing: 0.4px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.top-strip-inner {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}

.top-strip-left, .top-strip-right {
  display: flex;
  gap: 22px;
  align-items: center;
  flex-wrap: wrap;
}

.top-strip strong {
  color: var(--gold-soft);
  font-weight: 700;
  margin-right: 6px;
  letter-spacing: 1px;
}

.top-strip a:hover { color: white; }

/* ============ 헤더 ============ */
header {
  background: var(--navy);
  color: white;
  border-bottom: 4px solid var(--gold);
  position: sticky;
  top: 0;
  z-index: 100;
}

.nav {
  max-width: 1180px;
  margin: 0 auto;
  padding: 18px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 14px;
}

.brand-mark {
  width: 46px;
  height: 46px;
  border: 1.5px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--serif);
  font-size: 22px;
  font-weight: 900;
  color: var(--gold);
  letter-spacing: -1px;
  flex-shrink: 0;
}

.brand-text { display: flex; flex-direction: column; line-height: 1.15; }

.brand-name {
  font-family: var(--serif);
  font-size: 19px;
  font-weight: 900;
  letter-spacing: -0.5px;
  color: white;
}

.brand-tag {
  font-size: 10px;
  color: var(--gold-soft);
  font-weight: 500;
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-top: 4px;
}

.main-menu {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
}

.main-menu > li { position: relative; }

.main-menu > li > a {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 11px 16px;
  font-size: 13.5px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.85);
  letter-spacing: 0.2px;
  transition: all 0.2s;
  position: relative;
}

.main-menu > li > a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 16px;
  right: 16px;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform 0.2s;
}

.main-menu > li > a:hover,
.main-menu > li > a.active { color: white; }

.main-menu > li > a:hover::after,
.main-menu > li > a.active::after { transform: scaleX(1); }

.chevron { font-size: 9px; opacity: 0.6; transition: transform 0.2s; }
.main-menu > li:hover .chevron { transform: rotate(180deg); }

.submenu {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 220px;
  background: white;
  border: 1px solid var(--paper-line);
  border-top: 3px solid var(--gold);
  list-style: none;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-4px);
  transition: all 0.2s;
  z-index: 10;
  box-shadow: 0 8px 24px rgba(15, 45, 82, 0.15);
}

.main-menu > li:hover .submenu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.submenu li { border-bottom: 1px solid var(--paper-line); }
.submenu li:last-child { border-bottom: none; }

.submenu li a {
  display: block;
  padding: 12px 18px;
  font-size: 13.5px;
  color: var(--ink-soft);
  font-weight: 500;
  transition: all 0.15s;
}

.submenu li a:hover,
.submenu li a.active {
  background: var(--paper-soft);
  color: var(--navy);
  font-weight: 700;
}

.nav-right { display: flex; align-items: center; gap: 12px; }

.nav-tel {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 16px;
  border: 1px solid rgba(255, 255, 255, 0.25);
  font-size: 13px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.9);
  letter-spacing: 0.3px;
  font-variant-numeric: tabular-nums;
}

.nav-tel-label {
  font-size: 9.5px;
  letter-spacing: 1.5px;
  color: var(--gold-soft);
  font-weight: 700;
  text-transform: uppercase;
}

.nav-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 11px 22px;
  background: var(--gold);
  color: var(--navy-dark);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.3px;
  transition: all 0.2s;
  border: 1px solid var(--gold);
}

.nav-cta:hover {
  background: var(--gold-soft);
  border-color: var(--gold-soft);
}

.nav-cta .arrow { font-family: var(--serif); font-weight: 900; }

.hamburger {
  display: none;
  width: 40px;
  height: 40px;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 4px;
  border: 1px solid rgba(255, 255, 255, 0.25);
}

.hamburger span {
  display: block;
  width: 18px;
  height: 1.5px;
  background: white;
  transition: 0.25s;
}

.hamburger.active span:nth-child(1) { transform: translateY(5.5px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: translateY(-5.5px) rotate(-45deg); }

/* ============ 페이지 헤더 (서브페이지) ============ */
.page-header {
  background: var(--surface);
  border-bottom: 1px solid var(--paper-line);
  padding: 56px 0 48px;
  position: relative;
}

.page-header::before {
  content: '';
  position: absolute;
  top: 24px;
  left: 50%;
  transform: translateX(-50%);
  width: 60px;
  height: 2px;
  background: var(--gold);
}

.page-header-inner {
  max-width: 880px;
  margin: 0 auto;
  padding: 0 24px;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 26px;
  font-size: 11.5px;
  color: var(--ink-mid);
  font-weight: 500;
  letter-spacing: 1.5px;
  text-transform: uppercase;
}

.breadcrumb a:hover { color: var(--navy); }
.breadcrumb .sep { color: var(--ink-light); }
.breadcrumb .current { color: var(--navy); font-weight: 700; }

.page-tag {
  display: inline-block;
  padding: 5px 14px;
  border: 1px solid var(--gold);
  color: var(--gold-dark);
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  margin-bottom: 20px;
}

.page-header h1 {
  font-family: var(--serif);
  font-size: clamp(2rem, 4vw, 2.8rem);
  font-weight: 900;
  line-height: 1.2;
  letter-spacing: -1.5px;
  color: var(--navy);
  margin-bottom: 18px;
  word-break: keep-all;
}

.page-header h1 em { color: var(--gold-dark); font-style: italic; }

.page-lead {
  font-size: 16.5px;
  color: var(--ink-soft);
  line-height: 1.8;
  word-break: keep-all;
  font-weight: 500;
  max-width: 720px;
  margin-bottom: 26px;
  border-left: 3px solid var(--gold);
  padding-left: 18px;
}

.page-meta {
  display: inline-flex;
  align-items: center;
  border-top: 1px solid var(--paper-line);
  border-bottom: 1px solid var(--paper-line);
  padding: 12px 0;
  font-size: 11.5px;
  color: var(--ink-mid);
  font-weight: 600;
  letter-spacing: 0.3px;
  flex-wrap: wrap;
}

.page-meta > span {
  padding: 0 18px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.page-meta > span + span { border-left: 1px solid var(--paper-line); }
.page-meta > span:first-child { padding-left: 0; }
.page-meta strong { color: var(--navy); font-weight: 700; }

.page-meta-label {
  font-size: 9.5px;
  color: var(--ink-light);
  letter-spacing: 1.5px;
  text-transform: uppercase;
  margin-right: 4px;
}

/* ============ 콘텐츠 ============ */
.content { padding: 48px 0 64px; }

.content-inner {
  max-width: 880px;
  margin: 0 auto;
  padding: 0 24px;
}

.content h2 {
  font-family: var(--serif);
  font-size: 28px;
  font-weight: 900;
  color: var(--navy);
  margin: 56px 0 20px;
  letter-spacing: -0.8px;
  word-break: keep-all;
  line-height: 1.3;
  padding-top: 32px;
  border-top: 1px solid var(--paper-line);
  position: relative;
}

.content h2::before {
  content: '';
  position: absolute;
  top: -1px;
  left: 0;
  width: 60px;
  height: 2px;
  background: var(--gold);
}

.content h2:first-child { margin-top: 0; padding-top: 0; border-top: none; }
.content h2:first-child::before { display: none; }

.content h3 {
  font-family: var(--serif);
  font-size: 20px;
  font-weight: 700;
  color: var(--navy);
  margin: 32px 0 14px;
  letter-spacing: -0.4px;
  word-break: keep-all;
  line-height: 1.4;
}

.content p {
  font-size: 15.5px;
  color: var(--ink-soft);
  line-height: 1.85;
  margin-bottom: 18px;
  word-break: keep-all;
}

.content strong { color: var(--navy); font-weight: 700; }
.content em { font-style: normal; color: var(--gold-dark); font-weight: 600; }

.content ul, .content ol {
  margin: 18px 0 24px;
  padding-left: 0;
  list-style: none;
}

.content li {
  font-size: 15.5px;
  color: var(--ink-soft);
  line-height: 1.85;
  margin-bottom: 10px;
  word-break: keep-all;
  padding-left: 24px;
  position: relative;
}

.content ul li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 12px;
  width: 8px;
  height: 1.5px;
  background: var(--gold);
}

.content ol { counter-reset: ol-counter; }
.content ol li { counter-increment: ol-counter; }

.content ol li::before {
  content: counter(ol-counter, decimal-leading-zero);
  position: absolute;
  left: 0;
  top: 0;
  font-family: var(--serif);
  font-weight: 700;
  color: var(--gold-dark);
  font-size: 14px;
  font-variant-numeric: tabular-nums;
}

.info-box, .tip-box, .warning-box {
  margin: 28px 0;
  padding: 24px 28px;
  background: var(--paper-soft);
  border-left: 3px solid var(--navy);
  position: relative;
}

.tip-box { border-left-color: var(--good); background: var(--good-bg); }
.warning-box { border-left-color: var(--bad); background: var(--bad-bg); }

.info-label, .tip-label, .warning-label {
  display: inline-block;
  font-size: 10.5px;
  font-weight: 700;
  margin-bottom: 12px;
  letter-spacing: 2px;
  text-transform: uppercase;
}

.info-label { color: var(--navy); }
.tip-label { color: var(--good); }
.warning-label { color: var(--bad); }

.info-box p, .tip-box p, .warning-box p {
  font-size: 14.5px;
  margin-bottom: 8px;
  line-height: 1.75;
}

.info-box p:last-child, .tip-box p:last-child, .warning-box p:last-child { margin-bottom: 0; }

.data-table-wrap {
  margin: 28px 0;
  border: 1px solid var(--paper-line);
  background: var(--surface);
  overflow-x: auto;
}

.data-table-caption {
  padding: 12px 18px;
  background: var(--paper-soft);
  border-bottom: 1px solid var(--paper-line);
  font-size: 10.5px;
  font-weight: 700;
  color: var(--gold-dark);
  letter-spacing: 2px;
  text-transform: uppercase;
}

.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
}

.data-table thead th {
  padding: 14px 16px;
  background: var(--surface);
  color: var(--navy);
  font-size: 11px;
  font-weight: 700;
  text-align: left;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  border-bottom: 1.5px solid var(--navy);
}

.data-table th.center { text-align: center; }

.data-table td {
  padding: 13px 16px;
  border-bottom: 1px solid var(--paper-line);
  color: var(--ink-soft);
  font-size: 14px;
}

.data-table td.center { text-align: center; }
.data-table tbody tr:last-child td { border-bottom: none; }
.data-table tbody tr:nth-child(even) td { background: var(--paper-soft); }
.data-table tbody tr:hover td { background: var(--gold-bg); }

.data-table td:first-child {
  font-weight: 700;
  color: var(--navy);
  font-family: var(--serif);
}

.page-cta {
  margin: 56px 0 0;
  padding: 48px 40px;
  background: var(--navy);
  color: white;
  position: relative;
  text-align: center;
  border-top: 4px solid var(--gold);
}

.page-cta::before {
  content: '';
  position: absolute;
  top: 24px;
  left: 50%;
  transform: translateX(-50%);
  width: 40px;
  height: 1px;
  background: var(--gold);
}

.page-cta h3 {
  font-family: var(--serif);
  font-size: 26px;
  font-weight: 900;
  color: white;
  margin: 8px 0 14px;
  letter-spacing: -0.6px;
  line-height: 1.3;
}

.page-cta h3 em { color: var(--gold-soft); font-style: italic; }

.page-cta p {
  font-size: 15px;
  color: rgba(255, 255, 255, 0.8);
  margin-bottom: 28px;
  line-height: 1.7;
  max-width: 560px;
  margin-left: auto;
  margin-right: auto;
}

.page-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 32px;
  background: var(--gold);
  color: var(--navy-dark);
  font-size: 13.5px;
  font-weight: 700;
  letter-spacing: 0.3px;
  border: 1px solid var(--gold);
  transition: all 0.2s;
}

.page-cta-btn:hover {
  background: white;
  color: var(--navy-dark);
  border-color: white;
}

.page-cta-btn .arrow { font-family: var(--serif); font-weight: 900; }

.related {
  margin-top: 64px;
  padding-top: 36px;
  border-top: 1px solid var(--paper-line);
}

.related-label {
  font-size: 10.5px;
  font-weight: 700;
  color: var(--gold-dark);
  letter-spacing: 2.5px;
  text-transform: uppercase;
  margin-bottom: 24px;
}

.related-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.related-card {
  display: block;
  padding: 28px 28px;
  background: var(--surface);
  border: 1px solid var(--paper-line);
  transition: all 0.2s;
  position: relative;
}

.related-card:hover { border-color: var(--navy); }

.related-card-tag {
  display: inline-block;
  font-size: 10px;
  font-weight: 700;
  color: var(--gold-dark);
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.related-card h4 {
  font-family: var(--serif);
  font-size: 19px;
  font-weight: 900;
  color: var(--navy);
  letter-spacing: -0.4px;
  line-height: 1.35;
  margin-bottom: 8px;
  word-break: keep-all;
}

.related-card p {
  font-size: 13.5px;
  color: var(--ink-mid);
  line-height: 1.65;
  word-break: keep-all;
  font-weight: 500;
}

.related-card .arrow {
  display: inline-block;
  margin-top: 14px;
  font-family: var(--serif);
  font-size: 18px;
  font-weight: 900;
  color: var(--gold-dark);
  transition: transform 0.2s;
}

.related-card:hover .arrow { transform: translateX(4px); }

.float-cta {
  position: fixed;
  bottom: 28px;
  right: 28px;
  background: var(--navy);
  color: white;
  padding: 14px 22px;
  font-size: 13px;
  font-weight: 700;
  z-index: 80;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  border: 1.5px solid var(--gold);
  letter-spacing: 0.3px;
  transition: all 0.2s;
  box-shadow: 0 8px 24px rgba(15, 45, 82, 0.25);
}

.float-cta:hover { background: var(--gold); color: var(--navy-dark); }
.float-cta .arrow { font-family: var(--serif); font-weight: 900; }

footer {
  background: var(--navy-dark);
  color: rgba(255, 255, 255, 0.75);
  padding: 56px 0 32px;
  margin-top: 80px;
  border-top: 4px solid var(--gold);
}

.footer-wrap {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}

.footer-top {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 36px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  margin-bottom: 28px;
}

.footer-brand {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 18px;
}

.footer-brand-mark {
  width: 42px;
  height: 42px;
  border: 1.5px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--serif);
  font-size: 20px;
  font-weight: 900;
  color: var(--gold);
}

.footer-brand-text { display: flex; flex-direction: column; line-height: 1.15; }

.footer-brand-name {
  font-family: var(--serif);
  font-size: 17px;
  font-weight: 900;
  letter-spacing: -0.4px;
  color: white;
}

.footer-brand-tag {
  font-size: 9.5px;
  color: var(--gold-soft);
  font-weight: 500;
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-top: 4px;
}

.footer-desc {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.65);
  line-height: 1.75;
  word-break: keep-all;
  font-weight: 400;
}

.footer-col h5 {
  font-size: 10.5px;
  color: var(--gold-soft);
  font-weight: 700;
  margin-bottom: 18px;
  letter-spacing: 2.5px;
  text-transform: uppercase;
}

.footer-col ul { list-style: none; padding: 0; }
.footer-col li { margin-bottom: 10px; }

.footer-col a {
  font-size: 13.5px;
  color: rgba(255, 255, 255, 0.7);
  font-weight: 500;
  transition: color 0.15s;
}

.footer-col a:hover { color: var(--gold); }

.footer-notice {
  background: rgba(255, 255, 255, 0.05);
  border-left: 3px solid var(--gold);
  padding: 16px 22px;
  font-size: 12.5px;
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.7;
  margin-bottom: 24px;
}

.footer-notice strong {
  color: var(--gold-soft);
  font-weight: 700;
  margin-right: 8px;
  letter-spacing: 1px;
  text-transform: uppercase;
  font-size: 11px;
}

.footer-copy {
  font-size: 11.5px;
  color: rgba(255, 255, 255, 0.45);
  line-height: 1.85;
  font-weight: 400;
  font-variant-numeric: tabular-nums;
  letter-spacing: 0.2px;
}

@media (max-width: 1024px) {
  .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; }
  .footer-brand-box { grid-column: 1 / -1; }
}

@media (max-width: 960px) {
  .top-strip-left { display: none; }
  .nav { padding: 14px 20px; gap: 16px; }
  .brand-tag { display: none; }
  .nav-tel { display: none; }

  .main-menu {
    position: fixed;
    top: 84px;
    right: -100%;
    width: 320px;
    height: calc(100vh - 84px);
    background: var(--navy);
    flex-direction: column;
    align-items: stretch;
    padding: 24px;
    gap: 4px;
    transition: right 0.3s;
    overflow-y: auto;
    border-left: 1px solid rgba(255, 255, 255, 0.12);
    z-index: 99;
  }
  .main-menu.active { right: 0; }
  .main-menu > li > a { padding: 14px; font-size: 14px; }
  .main-menu > li > a::after { display: none; }

  .submenu {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    border: none;
    background: transparent;
    box-shadow: none;
    padding: 0 0 0 16px;
    margin: 4px 0;
  }
  .submenu li { border-bottom: none; }
  .submenu li a {
    padding: 8px 12px;
    font-size: 13px;
    color: rgba(255, 255, 255, 0.7);
  }
  .submenu li a:hover, .submenu li a.active {
    background: rgba(255, 255, 255, 0.05);
    color: var(--gold);
  }

  .hamburger { display: flex; }

  .page-header { padding: 40px 0 32px; }
  .page-header-inner, .content-inner { padding: 0 20px; }
}

@media (max-width: 640px) {
  .top-strip-inner { font-size: 10.5px; padding: 0 16px; }
  .top-strip-right { gap: 14px; }
  .nav { padding: 12px 16px; }

  .page-header { padding: 32px 0 28px; }
  .page-header h1 { font-size: 1.75rem; letter-spacing: -1px; }
  .page-lead { font-size: 15px; padding-left: 14px; }
  .page-meta { font-size: 10.5px; }
  .page-meta > span { padding: 0 12px; }

  .content { padding: 32px 0 48px; }
  .content h2 { font-size: 22px; margin: 40px 0 14px; padding-top: 24px; }
  .content h3 { font-size: 17px; }
  .content p, .content li { font-size: 14.5px; }

  .info-box, .tip-box, .warning-box { padding: 20px 22px; margin: 24px 0; }
  .data-table thead th, .data-table td { padding: 11px 12px; font-size: 13px; }

  .related-grid { grid-template-columns: 1fr; gap: 12px; }
  .related-card { padding: 24px; }

  footer { padding: 40px 0 24px; margin-top: 56px; }
  .footer-top { grid-template-columns: 1fr; gap: 28px; }

  .page-cta { padding: 36px 24px; }
  .page-cta h3 { font-size: 21px; }

  .float-cta { bottom: 16px; right: 16px; padding: 11px 18px; font-size: 12px; }
}