@layer design, page;
@layer page {

:root{--navy:#071f55;--navy2:#102f67;--blue:#155eef;--teal:#0b9aa2;--ink:#273241;--muted:#667085;--line:#dce5ef;--soft:#f4f7fb;--white:#fff;--shadow:0 10px 26px rgba(7,31,85,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#f3f6fa;color:var(--ink);font-family:-apple-system,BlinkMacSystemFont,"Apple SD Gothic Neo","Noto Sans KR","Pretendard","Segoe UI",sans-serif;font-size:15px;line-height:1.72;letter-spacing:-.016em;word-break:keep-all}a{color:inherit;text-decoration:none}img{display:block;max-width:100%;height:auto}.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:#fff;padding:10px;z-index:999}
.kb-header{position:sticky;top:0;z-index:100;background:#172f55}.kb-header-inner{max-width:1180px;min-height:48px;margin:0 auto;padding:0 22px;display:flex;align-items:center;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;display:flex;align-items:center;justify-content:center;color:#fff;font-size:12px;font-weight:800}.kb-nav{flex:1;display:flex;align-items:center;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}.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-dropdown{display:none;position:absolute;left:0;top:48px;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;padding:9px 10px;color:#334155;font-size:13px}.kb-dropdown a:hover{background:#f3f8fb;color:#071f55}.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}
.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}.article-shell{background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);overflow:hidden}.article-hero{padding:30px 34px 26px;background:linear-gradient(180deg,#fff,#f9fcff);border-bottom:1px solid #edf2f7}.hero-top{display:flex;justify-content:space-between;align-items:center;gap:10px;flex-wrap:wrap;margin-bottom:16px}.pill{display:inline-flex;align-items:center;height:25px;padding:0 10px;border:1px solid #d7e4f6;background:#eef5ff;color:var(--navy);font-size:12px;font-weight:650}.hero-nav{display:flex;gap:6px}.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}.article-hero h1{max-width:820px;margin:0;color:var(--navy);font-size:28px;line-height:1.38;letter-spacing:-.04em;font-weight:680}.hero-desc{max-width:760px;margin:12px 0 0;color:#536276;font-size:14.4px}.article-body{max-width:770px;margin:0 auto;padding:34px 22px 48px}.cover{margin:0 0 26px;border:1px solid #dfe8f2}.cover img{width:100%;aspect-ratio:1/1;object-fit:cover}.quick-summary{margin:0 0 26px}.summary-card{padding:17px 18px;border:1px solid var(--line);background:#fbfdff}.summary-title,.toc-title{margin:0 0 7px;color:var(--navy);font-size:15px;font-weight:680}.summary-card p{margin:0;color:#3b495a;font-size:14.2px}.toc{margin:0 0 28px;padding:15px 17px;border:1px solid var(--line);background:#fff}.toc ol{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:4px 18px;margin:0;padding-left:18px;color:#526174}.toc li{font-size:14px;line-height:1.55}.section{margin-top:34px;padding-top:25px;border-top:1px solid #e8eef5}.section:first-of-type{margin-top:0;padding-top:0;border-top:0}h2{margin:0 0 12px;color:var(--navy);font-size:20px;line-height:1.42;letter-spacing:-.035em;font-weight:680}h3{margin:0 0 6px;color:var(--navy2);font-size:15px}p{margin:0 0 11px;color:#344054;font-size:14.6px}strong{color:var(--navy);font-weight:680}.body-visual{margin:18px 0 22px;border:1px solid #dfe8f2;background:#fff}.body-visual img{width:100%}.fact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:16px 0}.fact{padding:14px;border:1px solid #e1eaf3;background:#fbfdff}.fact b{display:block;margin-bottom:4px;color:var(--blue);font-size:22px}.fact span{font-size:13px;color:#59697e}.checklist{list-style:none;margin:15px 0 0;padding:0;display:grid;gap:7px}.checklist li{position:relative;padding:10px 12px 10px 34px;border:1px solid #e3edf6;background:#fbfdff;font-size:13.8px}.checklist li:before{content:"";position:absolute;left:12px;top:14px;width:12px;height:12px;background:var(--teal)}.checklist li:after{content:"";position:absolute;left:15px;top:15px;width:4px;height:7px;border:solid #fff;border-width:0 2px 2px 0;transform:rotate(45deg)}.note{margin:16px 0 0;padding:12px 14px;border:1px solid #cdeced;background:#f1fbfc;color:#46566a;font-size:13.5px}.table-wrap{margin-top:16px;border:1px solid var(--line);overflow-x:auto}.data-table{width:100%;border-collapse:collapse;min-width:610px}.data-table th,.data-table td{padding:9px 11px;border-bottom:1px solid #edf2f7;text-align:left;font-size:13px}.data-table th{background:#f7fafc;color:var(--navy);font-weight:680}.data-table tr:last-child td{border-bottom:0}.data-table td:first-child{color:var(--navy);font-weight:650}.faq{margin-top:14px;border-top:1px solid var(--line)}.faq-item{padding:13px 0;border-bottom:1px solid var(--line)}.faq-q{margin:0 0 5px;color:var(--navy);font-weight:680}.faq-a{margin:0;color:#536276;font-size:13.8px}.cta{margin-top:38px;padding:24px 22px;background:linear-gradient(135deg,#071f55,#0b2f6f 60%,#0b9aa2);color:#fff}.cta h2{color:#fff;margin:0 0 8px}.cta p{color:#eaf6ff;margin:0 0 16px}.action-row{display:flex;gap:8px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:36px;padding:0 14px;background:#fff;color:var(--navy);font-size:12.9px;font-weight:680}.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(--line)}.tag{padding:5px 8px;background:#f1f5f9;color:#56667a;font-size:12px}.refs{margin-top:20px;padding:14px 15px;background:#f8fafc;border:1px solid var(--line)}.refs h3{margin:0 0 6px}.refs p{margin:4px 0;font-size:12.4px;color:#64748b}.refs a{text-decoration:underline;text-underline-offset:2px}
.kb-footer{margin-top:26px;padding:32px 22px 28px;background:#10284d;border:1px solid #263f66;color:#cfe1f7}.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:24px}.footer-brand,.kb-footer h4{color:#fff}.footer-brand{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}.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}.floating-top{position:fixed;right:24px;bottom:24px;z-index:999;width:46px;height:46px;border-radius:999px;background:#2d6df6;color:#fff;display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:800;box-shadow:0 10px 24px rgba(45,109,246,.28)}
@media(max-width:860px){body{word-break:normal}.kb-header{position:static}.kb-header-inner{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}.kb-dropdown{display:none}.kb-header-actions{width:100%;justify-content:flex-start;gap:14px}.page-wrap{padding:14px 10px 44px}.article-hero{padding:24px 17px 20px}.article-hero h1{font-size:23px}.article-body{padding:28px 15px 40px}.toc ol{grid-template-columns:1fr}.fact-grid{grid-template-columns:1fr}h2{font-size:18px}.footer-grid{grid-template-columns:1fr 1fr}.floating-top{right:14px;bottom:14px;width:42px;height:42px}}
@media(max-width:560px){.footer-grid{grid-template-columns:1fr}}

.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}
}

}