:root {
  --ink: #122033;
  --muted: #5b6775;
  --line: #d8e0e8;
  --bg: #f4f7fa;
  --card: #fff;
  --accent: #0b6e4f;
  --accent-2: #0f766e;
  --pink: #c0265a;
  --navy: #14324f;
  --radius: 16px;
  --shadow: 0 10px 28px rgba(18, 32, 51, .08);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Pretendard, "Noto Sans KR", sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  word-break: keep-all;
}
a { color: inherit; }
.wrap { width: min(1120px, calc(100% - 32px)); margin: 0 auto; }
.site-top {
  position: sticky;
  top: 0;
  z-index: 20;
  background: #fff;
  border-bottom: 1px solid var(--line);
}
.top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  min-height: 58px;
}
.logo { display: flex; align-items: center; gap: 8px; text-decoration: none; font-weight: 800; }
.logo-mark {
  display: grid;
  place-items: center;
  width: 32px;
  height: 32px;
  border-radius: 9px;
  background: var(--accent);
  color: #fff;
  font-size: 12px;
  font-weight: 800;
}
.logo-text { font-size: 15px; }
.nav { display: none; gap: 16px; font-size: 14px; color: var(--muted); }
.nav a { text-decoration: none; }
.top-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  height: 36px;
  padding: 0 12px;
  border-radius: 999px;
  background: var(--accent);
  color: #fff;
  text-decoration: none;
  font-size: 13px;
  font-weight: 700;
}
.page-grid {
  width: min(1120px, calc(100% - 24px));
  margin: 18px auto 40px;
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.page-main, .article { display: contents; }
.hero, .sec, .page-rail, .cta-bottom { order: 3; }
.hero { order: 1; }
.page-rail { order: 2; }
.hero, .sec, .form-card, .cta-bottom {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.hero, .sec, .cta-bottom { padding: 22px 18px; }
.hero-kicker, .form-kicker, .sec-kicker {
  margin: 0 0 8px;
  color: var(--accent);
  font-size: 13px;
  font-weight: 700;
}
h1, h2, h3 { letter-spacing: -0.03em; line-height: 1.35; }
h1 { margin: 0 0 14px; font-size: 28px; }
h2 { margin: 0 0 12px; font-size: 22px; }
h3 { margin: 0 0 6px; font-size: 17px; }
.lead { margin: 0 0 14px; color: #2a3644; font-size: 16px; }
.hero-points {
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 8px;
}
.hero-points li {
  padding: 10px 12px;
  border-radius: 10px;
  background: #eef7f3;
  font-weight: 600;
  font-size: 14px;
}
.sec p { margin: 0 0 12px; color: #2d3947; }
.table-wrap { overflow-x: auto; margin: 12px 0 16px; }
table { width: 100%; min-width: 520px; border-collapse: collapse; font-size: 14px; }
caption { caption-side: top; text-align: left; font-weight: 700; margin-bottom: 8px; }
th, td { border: 1px solid var(--line); padding: 10px 8px; vertical-align: top; }
thead th { background: var(--navy); color: #fff; }
tbody th { width: 22%; background: #f7faf8; text-align: left; }
tbody td:last-child { background: #f3fbf7; font-weight: 600; }
.why-list { margin: 0; padding: 0; list-style: none; display: grid; gap: 16px; }
.check-grid, .fit-list, .insurer-list {
  margin: 0 0 12px;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 8px;
}
.check-grid li, .fit-list li {
  padding: 12px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fff;
}
.check-grid strong { display: block; color: var(--accent); }
.check-grid span, .fit-list li { color: #334155; font-size: 14px; }
.insurer-list {
  grid-template-columns: repeat(2, 1fr);
}
.insurer-list li {
  padding: 10px;
  text-align: center;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: #fff;
  font-weight: 700;
  font-size: 13px;
}
.faq details {
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 12px 14px;
  margin-bottom: 8px;
  background: #fff;
}
.faq summary { cursor: pointer; font-weight: 700; }
.faq details p { margin: 10px 0 0; }
.cta-bottom { text-align: center; }
.start-link, .submit-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 50px;
  padding: 0 18px;
  border: 0;
  border-radius: 12px;
  background: var(--accent);
  color: #fff;
  font-size: 16px;
  font-weight: 800;
  text-decoration: none;
  width: 100%;
}
.form-card { padding: 18px 16px 16px; }
.form-title { margin: 0 0 6px; font-size: 22px; font-weight: 800; }
.form-desc { margin: 0 0 14px; color: var(--muted); font-size: 13px; }
.field { display: block; margin-bottom: 12px; }
.field > span { display: block; margin-bottom: 6px; font-size: 13px; font-weight: 700; }
.field input, .field select, .phone-row input, .phone-row select {
  width: 100%;
  height: 46px;
  border: 1px solid #c9d4de;
  border-radius: 10px;
  padding: 0 12px;
  font: inherit;
  background: #fff;
}
.phone-row { display: grid; grid-template-columns: 88px 1fr; gap: 8px; }
.sex-row { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.sex-row input { position: absolute; opacity: 0; pointer-events: none; }
.sex-pill {
  display: grid;
  place-items: center;
  height: 46px;
  border: 1px solid #c9d4de;
  border-radius: 10px;
  background: #fff;
  font-weight: 700;
}
.sex-pill.select_bt_on {
  border-color: var(--accent);
  background: #e8f6f0;
  color: var(--accent);
}
.agree-line {
  width: 100%;
  margin: 4px 0 10px;
  border: 0;
  background: none;
  color: var(--muted);
  text-decoration: underline;
  font: inherit;
  text-align: left;
}
.legal-band, footer { background: #0f1c2a; color: #d5dde6; }
.legal-band { padding: 28px 0; }
.legal-band h2 { color: #fff; font-size: 16px; }
.legal-band ul { margin: 0; padding-left: 18px; font-size: 13px; }
footer { padding: 0 0 28px; }
footer p { margin: 0; font-size: 13px; line-height: 1.7; }
footer a { color: #fff; margin-right: 10px; }

@media (min-width: 980px) {
  .nav { display: flex; }
  .page-grid {
    display: grid;
    grid-template-columns: minmax(0, 1fr) 340px;
    align-items: start;
    gap: 22px;
  }
  .page-main, .article { display: block; }
  .hero, .sec, .page-rail, .cta-bottom { order: initial; }
  .page-rail { position: sticky; top: 76px; }
  h1 { font-size: 36px; }
  .hero, .sec, .cta-bottom { padding: 28px 26px; }
  .insurer-list { grid-template-columns: repeat(4, 1fr); }
  .check-grid { grid-template-columns: 1fr 1fr; }
}