@layer design, page;
@layer page {

:root{--kb-navy:#071f55;--kb-navy-2:#0b2f6f;--kb-teal:#0b9aa2;--kb-blue:#2d6df6;--kb-ink:#273241;--kb-muted:#667085;--kb-line:#e2e8f0;--kb-soft:#f5f8fc;--kb-card:#ffffff;--kb-shadow:0 10px 26px rgba(7,31,85,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#f3f6fa;color:var(--kb-ink);font-family:-apple-system,BlinkMacSystemFont,"Apple SD Gothic Neo","Noto Sans KR","Pretendard","Segoe UI",sans-serif;font-size:15px;line-height:1.68;letter-spacing:-.016em;word-break:keep-all}a{color:inherit;text-decoration:none}img{display:block;max-width:100%;height:auto}.skip-link{position:absolute;left:-9999px;top:0}.skip-link:focus{left:12px;top:12px;background:#fff;padding:10px 14px;z-index:1000}.kb-header{position:sticky;top:0;z-index:100;background:#172f55;border-bottom:0;box-shadow:none}.kb-header-inner{max-width:1180px;min-height:48px;margin:0 auto;padding:0 22px;display:flex;align-items:center;justify-content:space-between;gap:22px}.kb-logo{display:flex;align-items:center;gap:7px;color:#fff;font-size:13px;font-weight:760;white-space:nowrap}.kb-logo-mark{width:20px;height:20px;background:#2d6df6;color:#fff;display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:800}.kb-logo-text{color:#fff}.kb-nav{flex:1;display:flex;align-items:center;justify-content:flex-start;gap:18px;flex-wrap:nowrap}.kb-nav-item{position:relative}.kb-nav-link{display:inline-flex;align-items:center;min-height:48px;color:#fff;font-size:12px;font-weight:560;opacity:.95;white-space:nowrap}.kb-nav-link.has-arrow::after{content:"";width:7px;height:7px;margin-left:8px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg) translateY(-2px)}.kb-header-actions{display:flex;align-items:center;gap:20px;margin-left:auto}.kb-contact-link{color:#fff;font-size:12px}.kb-quote-btn{display:inline-flex;align-items:center;justify-content:center;height:30px;padding:0 15px;background:#2d6df6;color:#fff;font-size:12px;font-weight:650}.kb-dropdown{display:none;position:absolute;top:48px;left:0;width:190px;padding:8px;background:#fff;border:1px solid #dbe4ee;box-shadow:0 14px 36px rgba(7,31,85,.18)}.kb-nav-item:hover .kb-dropdown{display:block}.kb-dropdown a{display:block;color:#334155;padding:9px 10px;font-size:13px;line-height:1.35}.kb-dropdown a:hover{background:#f3f8fb;color:#071f55}.page-wrap{max-width:1060px;margin:0 auto;padding:20px 18px 58px}.breadcrumb{display:flex;gap:6px;align-items:center;flex-wrap:wrap;margin:2px 0 12px;color:#758295;font-size:12.5px}.breadcrumb a{color:#64748b}.article-shell{background:#fff;border:1px solid var(--kb-line);box-shadow:var(--kb-shadow);overflow:hidden}.article-hero{padding:30px 34px 26px;background:linear-gradient(180deg,#fff 0%,#f9fcff 100%);border-bottom:1px solid #edf2f7}.hero-top{display:flex;justify-content:space-between;align-items:center;gap:10px;flex-wrap:wrap;margin-bottom:16px}.kicker{display:flex;gap:7px;flex-wrap:wrap}.pill{display:inline-flex;align-items:center;height:25px;padding:0 10px;border:1px solid #d7e4f6;background:#eef5ff;color:var(--kb-navy);font-size:12px;font-weight:600}.hero-nav{display:flex;gap:6px;flex-wrap:wrap}.hero-nav a{display:inline-flex;align-items:center;height:29px;padding:0 10px;border:1px solid #dbe4ee;background:#fff;color:#526174;font-size:12.4px}.hero-copy{max-width:820px}.article-hero h1{margin:0;color:var(--kb-navy);font-size:26px;line-height:1.38;letter-spacing:-.04em;font-weight:650}.hero-desc{max-width:760px;margin:12px 0 0;color:#536276;font-size:14.4px;line-height:1.66}.article-body{max-width:770px;margin:0 auto;padding:34px 22px 48px}.quick-summary{display:grid;grid-template-columns:1fr;gap:12px;margin:0 0 26px}.summary-card{padding:16px 17px;border:1px solid var(--kb-line);background:#fbfdff}.summary-title{margin:0 0 7px;color:var(--kb-navy);font-size:14px;font-weight:650}.summary-card p{margin:0;color:#3b495a;font-size:14.1px;line-height:1.68}.toc{margin:0 0 24px;padding:14px 16px;border:1px solid var(--kb-line);background:#fff}.toc-title{margin:0 0 7px;color:var(--kb-navy);font-size:15.5px;font-weight:650}.toc ol{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:5px 20px;margin:0;padding-left:18px;color:#526174}.toc li{font-size:14.3px;line-height:1.65;margin:1px 0}.section{margin-top:34px}.section-separated{padding-top:24px;border-top:1px solid #e8eef5}.section-separated:first-of-type{padding-top:0;border-top:0}h2{margin:0 0 11px;color:var(--kb-navy);font-size:19px;line-height:1.42;letter-spacing:-.035em;font-weight:640}h3{margin:0 0 4px;color:var(--kb-navy-2);font-size:14.5px;line-height:1.42;font-weight:600}p{margin:0 0 11px;color:#344054;font-size:14.6px;line-height:1.72}p strong,li strong,td strong{font-weight:650;color:#071f55}.cover-thumbnail{width:100%;margin:0 0 26px;border:1px solid #dfe8f2;overflow:hidden;background:#fff;box-shadow:0 8px 20px rgba(7,31,85,.05)}.cover-thumbnail img{width:100%;aspect-ratio:1/1;object-fit:cover}.body-visual{width:100%;margin:18px 0 22px;border:1px solid #dfe8f2;overflow:hidden;background:#fff}.body-visual img{width:100%;height:auto;object-fit:cover}.note{margin:16px 0 0;padding:11px 13px;background:#f1fbfc;border:1px solid #cdeced;color:#46566a;font-size:13.5px;line-height:1.56}.download-box{margin:18px 0 22px;padding:18px;border:1px solid #d5e4f2;background:#f8fbff;display:grid;grid-template-columns:1fr auto;gap:14px;align-items:center}.download-box h3{margin:0 0 5px;font-size:15px;color:var(--kb-navy);font-weight:650}.download-box p{margin:0;color:#536276;font-size:13.7px;line-height:1.58}.download-btn{display:inline-flex;align-items:center;justify-content:center;min-height:38px;padding:0 16px;background:var(--kb-blue);color:#fff;font-size:13.2px;font-weight:700;white-space:nowrap}.field-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin:15px 0 0}.field-card{padding:12px 13px;border:1px solid #e0e9f2;background:#fbfdff}.field-card strong{display:block;margin-bottom:4px;color:var(--kb-navy);font-size:13.7px}.field-card span{display:block;color:#536276;font-size:13.2px;line-height:1.55}.doc-table-wrap{max-width:720px;margin:17px auto 0;border:1px solid var(--kb-line);overflow:hidden;background:#fff}.doc-table{width:100%;border-collapse:collapse;table-layout:auto}.doc-table th,.doc-table td{padding:8px 10px;border-bottom:1px solid #edf2f7;text-align:left;vertical-align:middle;font-size:13px;line-height:1.44;color:#334155}.doc-table th{background:#f7fafc;color:var(--kb-navy);font-size:12.6px;font-weight:620}.doc-table th:first-child,.doc-table td:first-child{width:34%;color:var(--kb-navy);font-weight:590;white-space:nowrap}.mini-label{display:inline-flex;margin-right:4px;padding:2px 6px;background:#effbfc;color:#087e85;font-size:11px;font-weight:620;vertical-align:middle}.checklist{margin:15px 0 0;padding:0;list-style:none;display:grid;gap:7px}.checklist li{position:relative;margin:0;padding:9px 11px 9px 32px;border:1px solid #e3ebf4;background:#fbfdff;color:#46566a;font-size:13.9px;line-height:1.58}.checklist li::before{content:"";position:absolute;left:12px;top:15px;width:9px;height:9px;border-radius:50%;background:var(--kb-teal)}.faq{display:grid;gap:10px;margin-top:15px}.faq-item{border:1px solid #e0e9f2;background:#fbfdff;padding:13px 14px}.faq-q{margin:0 0 4px;color:var(--kb-navy);font-weight:650}.faq-a{margin:0;color:#46566a;font-size:13.8px}.cta{margin-top:36px;padding:22px 20px;background:linear-gradient(135deg,#071f55 0%,#0b3a7c 100%);color:#fff}.cta h2{color:#fff;margin:0 0 8px;font-size:19px}.cta p{color:#e3edf7;margin:0 0 16px}.action-row{display:flex;gap:8px;flex-wrap:wrap}.btn{display:inline-flex;min-height:36px;align-items:center;justify-content:center;padding:0 13px;background:#fff;color:#071f55;font-size:13px;font-weight:700}.btn.sub{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.32);color:#fff}.tags{display:flex;flex-wrap:wrap;gap:6px;margin:20px 0 0}.tag{padding:5px 9px;background:#f1f5f9;border:1px solid #e2e8f0;color:#536276;font-size:12.2px}.refs{margin-top:20px;padding:14px 15px;border:1px solid #e2e8f0;background:#f8fafc}.refs h3{font-size:14px;margin:0 0 5px}.refs p{font-size:13.2px;color:#526174;margin:0 0 5px}.kb-footer{margin-top:26px;background:#071f55;color:#dbe7f6;padding:26px 24px 18px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.2fr;gap:22px}.footer-brand{color:#fff;font-size:20px;font-weight:800;margin-bottom:8px}.kb-footer h4{margin:0 0 8px;color:#fff;font-size:13px}.kb-footer ul{list-style:none;margin:0;padding:0;display:grid;gap:5px}.kb-footer li,.kb-footer p,.kb-footer a{color:#dbe7f6;font-size:12.5px;line-height:1.55}.footer-copy{margin:20px 0 0;color:#adc2dd}.top-link,.floating-top-btn{display:none}
@media(max-width:760px){.kb-nav,.kb-header-actions{display:none}.page-wrap{padding:12px 10px 38px}.article-hero{padding:24px 18px}.article-body{padding:24px 14px 36px}.article-hero h1{font-size:22px}.toc ol{grid-template-columns:1fr}.download-box{grid-template-columns:1fr}.field-grid,.footer-grid{grid-template-columns:1fr}.body-visual{margin:14px 0 18px}}

.kb-header{
  position:sticky;
  top:0;
  z-index:100;
  width:100%;
  background:#172f55;
  color:#fff;
  border:0;
  box-shadow:none;
  backdrop-filter:none;
}
.kb-header *{box-sizing:border-box}
.kb-header-inner{
  max-width:1180px;
  min-height:48px;
  margin:0 auto;
  padding:0 22px;
  display:flex;
  align-items:center;
  justify-content:flex-start;
  gap:22px;
}
.kb-logo{
  display:flex;
  align-items:center;
  gap:7px;
  color:#fff;
  font-size:13px;
  line-height:1;
  font-weight:800;
  letter-spacing:-.02em;
  white-space:nowrap;
  text-decoration:none;
}
.kb-logo-mark{
  width:20px;
  height:20px;
  flex:0 0 20px;
  display:flex;
  align-items:center;
  justify-content:center;
  background:#2d6df6;
  color:#fff;
  border:0;
  border-radius:0;
  font-size:12px;
  line-height:1;
  font-weight:800;
}
.kb-nav{
  min-width:0;
  flex:1 1 auto;
  display:flex;
  align-items:center;
  justify-content:flex-start;
  gap:18px;
  flex-wrap:nowrap;
}
.kb-nav a,
.kb-contact{
  min-height:48px;
  padding:0;
  display:inline-flex;
  align-items:center;
  background:transparent;
  color:#fff;
  border:0;
  border-radius:0;
  font-size:12px;
  line-height:1.2;
  font-weight:560;
  opacity:.96;
  white-space:nowrap;
  text-decoration:none;
}
.kb-nav a:hover,
.kb-nav a:focus-visible,
.kb-contact:hover,
.kb-contact:focus-visible{color:#d9e7ff;opacity:1}
.kb-actions{
  margin-left:auto;
  display:flex;
  align-items:center;
  justify-content:flex-end;
  gap:18px;
  white-space:nowrap;
}
.kb-actions .kb-contact{min-height:30px}
.kb-quote{
  height:30px;
  min-height:30px;
  padding:0 15px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  background:#2d6df6;
  color:#fff;
  border:0;
  border-radius:0;
  font-size:12px;
  line-height:1;
  font-weight:700;
  text-decoration:none;
}
.kb-quote:hover,.kb-quote:focus-visible{background:#1f5fe8;color:#fff}
@media(max-width:860px){
  .kb-header{position:static}
  .kb-header-inner{
    min-height:auto;
    padding:12px 14px;
    flex-direction:column;
    align-items:flex-start;
    gap:10px;
  }
  .kb-nav{
    width:100%;
    gap:12px;
    flex-wrap:wrap;
  }
  .kb-nav a{min-height:28px}
  .kb-actions{
    width:100%;
    margin-left:0;
    justify-content:flex-start;
  }
}
@media(max-width:560px){
  .kb-nav{display:none}
}

}