:root{--ink:#17202C;--muted:#4A5361;--bg:#F5F3EE;--card:#FBFAF7;--line:#DDD8CC;--navy:#121C2B;--gold:#7A5A10;--goldb:#B08A2E;--teal:#1F6F7A;--onnavy:#F5F3EE;--onnavy2:#B9C4D2}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){--ink:#ECE8DF;--muted:#B5BCC6;--bg:#12161D;--card:#1A2029;--line:#2C3440;--navy:#0B1018;--gold:#D9B865;--goldb:#C9A54C;--teal:#6CC3CC;--onnavy:#F5F3EE;--onnavy2:#B9C4D2}}
:root[data-theme="dark"]{--ink:#ECE8DF;--muted:#B5BCC6;--bg:#12161D;--card:#1A2029;--line:#2C3440;--navy:#0B1018;--gold:#D9B865;--goldb:#C9A54C;--teal:#6CC3CC}
*{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--ink);font-family:'Noto Sans KR','IBM Plex Sans',system-ui,sans-serif;line-height:1.65;font-size:16px}
a{color:var(--teal)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header.hero{background:linear-gradient(135deg,#121C2B,#2A3A50);color:var(--onnavy);padding:56px 0 48px}
.hero .eyebrow{color:#C9A54C;font-weight:700;letter-spacing:.12em;font-size:13px;text-transform:uppercase}
.hero h1{font-size:clamp(28px,5vw,46px);line-height:1.2;margin:10px 0 12px}
.hero p{color:var(--onnavy2);margin:0 0 6px;max-width:760px}
.lang{float:right;font-size:14px}
.lang a{color:#C9A54C}
nav.toc{display:flex;flex-wrap:wrap;gap:8px;margin-top:22px}
nav.toc a{color:var(--onnavy);border:1px solid rgba(255,255,255,.25);border-radius:999px;padding:4px 12px;font-size:14px;text-decoration:none}
section{padding:40px 0;border-bottom:1px solid var(--line)}
h2{font-size:clamp(22px,3.4vw,30px);margin:0 0 6px}
.kicker{color:var(--gold);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.lead{color:var(--muted);margin:0 0 18px}
.grid{display:grid;gap:16px}
.g3{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.g2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px}
.card h3{margin:0 0 8px;font-size:18px}
.card.gold{border-top:5px solid var(--goldb)}
.card.teal{border-top:5px solid var(--teal)}
.card ul{margin:0;padding-left:18px}
.band{background:var(--navy);color:var(--onnavy);border-radius:14px;padding:16px 20px;margin-top:16px}
.band b{color:#C9A54C}
.big{font-size:40px;font-weight:700;line-height:1.1;margin:4px 0}
.bars .row{display:grid;grid-template-columns:110px 1fr 56px;align-items:center;gap:10px;margin:6px 0;font-size:15px}
.bars .bar{height:18px;border-radius:4px;background:#9AA3AF}
.bars .me .bar{background:var(--goldb)}
.bars .me{font-weight:700;color:var(--gold)}
.tbl{overflow-x:auto}
table{width:100%;border-collapse:collapse;font-size:15px}
th,td{text-align:left;padding:8px 10px;border-bottom:1px solid var(--line);vertical-align:top}
th{font-size:13px;color:var(--muted);font-weight:700}
td.r,th.r{text-align:right}
.src{font-size:13px;color:var(--muted);margin-top:10px}
.steps{counter-reset:s;list-style:none;padding:0;margin:0}
.steps li{counter-increment:s;position:relative;padding:0 0 12px 44px}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:30px;height:30px;border-radius:50%;background:var(--goldb);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:14px}
footer{padding:32px 0 48px;color:var(--muted);font-size:14px}
@media (max-width:560px){.bars .row{grid-template-columns:84px 1fr 48px;font-size:14px}.big{font-size:32px}}