@layer page, design;
@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;backdrop-filter: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;letter-spacing:-.02em;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;line-height:1}.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;padding:0;color:#fff;background:transparent;font-size:12px;font-weight:560;opacity:.95;white-space:nowrap}.kb-nav-link:hover{background:transparent;color:#d9e7ff}.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;font-weight:540}.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;right:auto;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}.kb-drop-title,.kb-dropdown small{display:none}
.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,#ffffff 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;line-height:1}.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;font-weight:520}.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;line-height:1.4}.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;font-weight:400}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 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}.process-list{margin:17px 0 0;border:1px solid var(--kb-line);overflow:hidden;background:#fff}.process-item{display:grid;grid-template-columns:35px 1fr;gap:10px;padding:11px 14px;border-bottom:1px solid #edf2f7;align-items:start}.process-item:last-child{border-bottom:0}.step-num{width:25px;height:25px;background:#eaf8fa;color:#087e85;display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:700}.process-item p{margin:0;color:#526174;font-size:13.7px;line-height:1.56}.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;font-weight:400}.doc-table th{background:#f7fafc;color:var(--kb-navy);font-size:12.6px;font-weight:620}.doc-table tr:last-child td{border-bottom:0}.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 #e3edf6;background:#fbfdff;font-size:13.8px;line-height:1.54;color:#344054}.checklist li:before{content:"";position:absolute;left:11px;top:13px;width:12px;height:12px;background:var(--kb-teal)}.checklist li:after{content:"";position:absolute;left:14px;top:14px;width:4px;height:7px;border:solid #fff;border-width:0 2px 2px 0;transform:rotate(45deg)}.faq{margin-top:14px;border-top:1px solid var(--kb-line)}.faq-item{padding:12px 0;border-bottom:1px solid var(--kb-line)}.faq-q{margin:0 0 4px;color:var(--kb-navy);font-size:14.2px;line-height:1.5;font-weight:610}.faq-a{margin:0;color:#536276;font-size:13.8px;line-height:1.62}.cta{margin-top:38px;padding:23px 22px;background:linear-gradient(135deg,#071f55 0%,#0b2f6f 60%,#0b9aa2 100%);color:#fff}.cta h2{color:#fff;margin:0 0 8px;font-size:19px;font-weight:640}.cta p{color:#eaf6ff;margin:0 0 16px;font-size:14.1px;line-height:1.65}.action-row{display:flex;gap:8px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:35px;padding:0 13px;background:#fff;color:var(--kb-navy);font-size:12.9px;font-weight:620}.btn.sub{background:rgba(255,255,255,.14);color:#fff;border:1px solid rgba(255,255,255,.34)}.tags{display:flex;gap:6px;flex-wrap:wrap;margin-top:24px;padding-top:20px;border-top:1px solid var(--kb-line)}.tag{display:inline-flex;padding:5px 8px;background:#f1f5f9;color:#56667a;font-size:12px;line-height:1.2}.refs{margin-top:20px;padding:13px 14px;background:#f8fafc;border:1px solid var(--kb-line)}.refs h3{margin:0 0 5px;font-size:13.2px;font-weight:620;color:#334155}.refs p{margin:3px 0;font-size:12.4px;line-height:1.5;color:#64748b}.kb-footer{margin-top:26px;padding:32px 22px 28px;background:#10284d;border:1px solid #263f66;color:#cfe1f7;box-shadow:none}.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:24px}.footer-brand{color:#ffffff;font-size:18px;font-weight:800;margin-bottom:8px}.kb-footer p,.kb-footer li,.kb-footer a{font-size:13px;color:#c9dcf4;line-height:1.6}.kb-footer h4{margin:0 0 8px;color:#ffffff;font-size:13.5px}.kb-footer ul{list-style:none;margin:0;padding:0}.kb-footer li{margin:4px 0}.footer-copy{margin:22px 0 0;padding-top:16px;border-top:1px solid #2f476d;font-size:12.2px;color:#c9dcf4}.top-link{display:inline-flex;margin-top:14px;color:#ffffff;font-weight:620}.floating-top-btn{position:fixed;z-index:999;width:46px;height:46px;right:24px;bottom:24px;display:flex;align-items:center;justify-content:center;background:#2d6df6;color:#ffffff;border:0;border-radius:999px;box-shadow:0 10px 24px rgba(45,109,246,.28);font-size:11px;font-weight:800;letter-spacing:.03em}.floating-top-btn:hover{background:#1f5fe8;color:#ffffff}
*{border-radius:0}
@media (max-width:860px){body{font-size:14.5px;line-height:1.64;word-break:normal}.kb-header{position:static}.kb-header-inner{min-height:auto;padding:12px 14px;align-items:flex-start;flex-direction:column;gap:10px}.kb-nav{width:100%;gap:12px;flex-wrap:wrap}.kb-nav-link{min-height:28px;font-size:12px}.kb-header-actions{width:100%;justify-content:flex-start;gap:14px}.kb-contact-link,.kb-quote-btn{font-size:12px}.kb-dropdown{display:none}.page-wrap{padding:14px 10px 44px}.article-hero{padding:24px 17px 20px}.article-hero h1{font-size:22.5px;line-height:1.4}.hero-desc{font-size:13.9px}.article-body{padding:28px 15px 40px}.toc ol{grid-template-columns:1fr}.field-grid{grid-template-columns:1fr}.download-box{grid-template-columns:1fr}.download-btn{width:100%}h2{font-size:17.3px}p{font-size:14px;line-height:1.66}.process-item{grid-template-columns:32px 1fr;padding:10px 12px}.process-item p,.checklist li,.faq-a{font-size:13.4px}.doc-table-wrap{overflow-x:auto}.doc-table{min-width:600px}.doc-table th,.doc-table td{font-size:12.4px;padding:8px}.cta{padding:20px 17px}.cta h2{font-size:17.4px}.cta p{font-size:13.7px}.footer-grid{grid-template-columns:1fr 1fr;gap:18px}.kb-footer{padding:26px 18px}.floating-top-btn{width:42px;height:42px;right:14px;bottom:14px}}
@media (max-width:560px){.footer-grid{grid-template-columns:1fr}.kb-logo{font-size:13px}.doc-table{min-width:560px}}

.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}
}

}