:root{
  --navy:#01318e; --navy-700:#012a78; --navy-900:#071a45; --red:#d92428; --red-700:#b51c20;
  --ink:#0f1a2e; --muted:#55627a; --line:#e2e7f0; --soft:#f3f6fb; --white:#fff;
  --ok:#14804a; --radius:14px;
  --font:"Pretendard","Apple SD Gothic Neo","Malgun Gothic","Noto Sans KR",system-ui,-apple-system,"Segoe UI",sans-serif;
  --shadow:0 10px 30px rgba(1,49,142,.10),0 2px 6px rgba(1,49,142,.06);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:80px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--white);line-height:1.6;word-break:keep-all;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
h1,h2,h3,h4{margin:0;line-height:1.25;letter-spacing:-.02em}
p{margin:0}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px;top:8px;background:#fff;color:var(--ink);padding:8px 12px;border-radius:6px;z-index:100}
.skip:focus{left:12px}
:focus-visible{outline:3px solid #ffb703;outline-offset:2px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:999px;font:inherit;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .15s,background .15s,box-shadow .15s}
.btn:hover{transform:translateY(-1px)}
.btn-lg{padding:14px 28px;font-size:16px}
.btn-sm{padding:8px 18px;font-size:14px}
.btn-red{background:var(--red);color:#fff;box-shadow:0 8px 20px rgba(217,36,40,.30)}
.btn-red:hover{background:var(--red-700)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-700)}
.btn-ghost{border-color:rgba(255,255,255,.55);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-line{border-color:var(--navy);color:var(--navy)}
.btn-line:hover{background:var(--soft)}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;height:72px;gap:16px}
.logo img{height:40px;width:auto}
.site-nav{margin-left:auto;display:flex;align-items:center;gap:4px}
.site-nav a:not(.btn){padding:8px 14px;border-radius:8px;text-decoration:none;font-weight:600;font-size:15px;color:var(--ink)}
.site-nav a:not(.btn):hover{color:var(--navy);background:var(--soft)}
.site-nav a[aria-current="page"]{color:var(--navy)}
.site-nav .btn{margin-left:8px}
.nav-toggle{display:none;margin-left:auto;background:none;border:0;padding:8px;cursor:pointer;color:var(--navy)}
.nav-toggle svg{width:26px;height:26px;stroke:currentColor;stroke-width:2.2;fill:none;stroke-linecap:round}
@media (max-width:860px){
  .nav-toggle{display:block}
  .site-nav{display:none;position:absolute;top:72px;left:0;right:0;flex-direction:column;align-items:stretch;background:#fff;border-bottom:1px solid var(--line);padding:8px 24px 20px;box-shadow:var(--shadow)}
  .site-nav.open{display:flex}
  .site-nav .btn{margin:10px 0 0}
  .logo img{height:34px}
}

/* hero */
.hero{position:relative;overflow:hidden;color:#fff;background:radial-gradient(1200px 600px at 85% 20%,#1d55c4 0%,transparent 60%),linear-gradient(135deg,var(--navy-900) 0%,var(--navy) 60%,#0a46b8 100%)}
.hero::after{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.10) 1px,transparent 1px);background-size:22px 22px;mask-image:linear-gradient(90deg,transparent,#000 60%);pointer-events:none}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center;padding:80px 24px 120px}
.hero-grid>*{min-width:0}
.kicker{display:inline-flex;align-items:center;gap:8px;font-size:14px;font-weight:700;padding:6px 14px;border-radius:999px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25)}
.kicker i{width:8px;height:8px;border-radius:50%;background:var(--red);box-shadow:0 0 0 4px rgba(217,36,40,.3)}
.hero h1{margin-top:20px;font-size:clamp(32px,5vw,54px);font-weight:800}
.hero h1 em{font-style:normal;color:#ff6b6e}
.hero .sub{margin-top:18px;font-size:18px;color:rgba(255,255,255,.82);max-width:30em}
.hero .actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:34px}
.hero-art svg{width:100%;height:auto;max-width:520px;margin-left:auto;display:block;filter:drop-shadow(0 30px 40px rgba(0,0,0,.25))}
.pulse{transform-origin:center;transform-box:fill-box;animation:pulse 2.4s ease-out infinite}
@keyframes pulse{0%{opacity:.7;transform:scale(.6)}100%{opacity:0;transform:scale(1.6)}}
.float{animation:float 5s ease-in-out infinite}
.float.d2{animation-delay:-1.6s}.float.d3{animation-delay:-3.2s}
@keyframes float{50%{transform:translateY(-8px)}}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr;padding:56px 24px 110px}.hero-art svg{margin:0 auto;max-width:400px}}

/* page hero (sub pages) */
.page-hero{color:#fff;background:linear-gradient(135deg,var(--navy-900),var(--navy));padding:64px 0 96px}
.page-hero h1{font-size:clamp(28px,4vw,42px);font-weight:800}
.page-hero .sub{margin-top:12px;color:rgba(255,255,255,.8);font-size:17px}
.jump{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px}
.jump a{display:inline-flex;align-items:center;gap:8px;padding:10px 18px;border-radius:999px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);text-decoration:none;font-weight:700;font-size:15px}
.jump a:hover{background:rgba(255,255,255,.2)}

/* stats */
.stats{position:relative;z-index:2;margin-top:-64px}
.stats-grid{display:grid;grid-template-columns:repeat(3,1fr);background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}
.stat{padding:28px 30px;border-right:1px solid var(--line)}
.stat:last-child{border-right:0}
.stat b{display:block;font-size:clamp(28px,3.4vw,38px);font-weight:800;color:var(--navy);letter-spacing:-.03em}
.stat b span{color:var(--red)}
.stat p{margin-top:4px;color:var(--muted);font-size:15px}
@media (max-width:760px){.stats-grid{grid-template-columns:1fr}.stat{border-right:0;border-bottom:1px solid var(--line)}.stat:last-child{border-bottom:0}}

/* sections */
.section{padding:96px 0}
.section.tight{padding:72px 0}
.section.soft{background:var(--soft)}
.sec-head{text-align:center;max-width:680px;margin:0 auto 48px}
.sec-head.left{text-align:left;margin-left:0}
.eyebrow{display:inline-block;font-size:13px;font-weight:800;letter-spacing:.12em;color:var(--red);text-transform:uppercase}
.sec-head h2{margin-top:8px;font-size:clamp(26px,3.4vw,38px);font-weight:800}
.sec-head p{margin-top:12px;color:var(--muted);font-size:17px}

/* product cards (home) */
.products{display:grid;grid-template-columns:1fr 1fr;gap:28px}
@media (max-width:860px){.products{grid-template-columns:1fr}}
.product{position:relative;display:flex;flex-direction:column;border-radius:20px;overflow:hidden;background:#fff;box-shadow:var(--shadow);text-decoration:none;transition:transform .2s,box-shadow .2s}
.product:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(1,49,142,.16)}
.product-top{padding:34px 34px 28px;color:#fff;display:flex;align-items:center;gap:18px}
.product.cyber .product-top{background:linear-gradient(135deg,var(--red),#ef4b4f)}
.product.eo .product-top{background:linear-gradient(135deg,var(--navy),#1d55c4)}
.p-icon{flex:none;width:64px;height:64px;border-radius:16px;background:rgba(255,255,255,.18);display:grid;place-items:center}
.p-icon svg{width:36px;height:36px;stroke:#fff;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.product-top h3{font-size:24px;font-weight:800}
.product-top p{opacity:.9;font-size:15px;margin-top:2px}
.product-body{padding:28px 34px 32px;display:flex;flex-direction:column;gap:22px;flex:1}
.chips{display:flex;flex-wrap:wrap;gap:8px;list-style:none;margin:0;padding:0}
.chips li{padding:7px 14px;border-radius:999px;background:var(--soft);font-weight:600;font-size:14px;color:var(--ink)}
.more{margin-top:auto;font-weight:800;color:var(--navy)}
.product.cyber .more{color:var(--red)}

/* checker (home) */
.checker{display:grid;grid-template-columns:1fr 1fr;gap:0;border-radius:20px;overflow:hidden;box-shadow:var(--shadow);background:#fff}
.checker>*{min-width:0}
.checker-form{padding:40px;display:grid;gap:10px;align-content:start}
.checker-form label{font-weight:700;font-size:15px;margin-top:8px}
select{font:inherit;font-size:16px;padding:14px 16px;border:2px solid var(--line);border-radius:12px;background:#fff;color:var(--ink);appearance:none;background-image:linear-gradient(45deg,transparent 50%,var(--navy) 50%),linear-gradient(135deg,var(--navy) 50%,transparent 50%);background-position:calc(100% - 22px) 52%,calc(100% - 16px) 52%;background-size:6px 6px;background-repeat:no-repeat}
select:focus{border-color:var(--navy)}
.checker-result{padding:40px;background:linear-gradient(135deg,var(--navy-900),var(--navy));color:#fff;display:flex;flex-direction:column;justify-content:center;gap:8px}
.checker-result .badge{align-self:flex-start;font-size:13px;font-weight:800;padding:5px 12px;border-radius:999px}
.badge.req{background:var(--red);color:#fff}
.badge.none{background:rgba(255,255,255,.18);color:#fff}
.checker-result .label{opacity:.8;margin-top:12px}
.checker-result .amount{font-size:clamp(44px,6vw,64px);font-weight:800;letter-spacing:-.03em;line-height:1.1}
.checker-result .msg{font-size:18px;opacity:.9;margin-top:8px}
.checker-result .src{font-size:12px;opacity:.65;margin-top:18px}
.checker-result a{color:#fff;font-weight:800;margin-top:10px}
@media (max-width:860px){.checker{grid-template-columns:1fr}.checker-form,.checker-result{padding:28px}}

/* process */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;list-style:none;padding:0;margin:0;counter-reset:s}
.steps li{position:relative;padding:28px 24px;background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);counter-increment:s}
.steps li::before{content:counter(s,decimal-leading-zero);display:block;font-size:14px;font-weight:800;color:var(--red);letter-spacing:.08em}
.steps svg{width:40px;height:40px;stroke:var(--navy);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;margin:14px 0 12px}
.steps h3{font-size:18px;font-weight:800}
@media (max-width:860px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.steps{grid-template-columns:1fr}}

/* CTA band */
.cta{background:radial-gradient(800px 300px at 90% 0%,#ff6b6e 0%,transparent 60%),linear-gradient(120deg,#b51c20 0%,var(--red) 55%,#e5484c 100%);color:#fff}
.cta-inner{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px;padding:64px 24px}
.cta h2{font-size:clamp(24px,3.2vw,34px);font-weight:800}
.cta p{opacity:.9;margin-top:6px;font-size:17px}
.btn-white{background:#fff;color:var(--navy)}
.btn-white:hover{background:#f1f4fa}

/* insurance page: program blocks */
.program{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:start}
.program>*{min-width:0}
@media (max-width:900px){.program{grid-template-columns:1fr}}
.program-head{position:sticky;top:96px}
@media (max-width:900px){.program-head{position:static}}
.program-badge{display:inline-flex;align-items:center;gap:12px}
.program-badge .p-icon{width:56px;height:56px}
.cyber-bg{background:var(--red)}
.eo-bg{background:var(--navy)}
.program-head h2{margin-top:18px;font-size:clamp(26px,3.2vw,36px);font-weight:800}
.program-head .sub{margin-top:12px;color:var(--muted);font-size:17px}
.flow-wrap{margin-top:28px;background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:18px}
.flow-wrap svg{width:100%;height:auto;display:block}
.flow-cap{display:flex;justify-content:space-between;font-size:12px;color:var(--muted);margin-top:6px;font-weight:700}
.f-node{fill:#fff;stroke:var(--line)}
.f-node-out{fill:#fff;stroke:var(--navy);stroke-opacity:.35}
.f-text{fill:var(--ink);font-size:13px;font-family:var(--font)}
.f-center-t{fill:#fff;font-size:13px;font-weight:700;font-family:var(--font)}
.f-in{fill:none;stroke:#9aa6bd;stroke-width:1.5;stroke-dasharray:4 4}
.f-out{fill:none;stroke-width:1.75}
.f-ok{fill:var(--ok)}
.f-tick{fill:none;stroke:#fff;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}

.cover-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:600px){.cover-grid{grid-template-columns:1fr}}
.cover{padding:22px;border-radius:var(--radius);background:#fff;box-shadow:var(--shadow)}
.cover svg{width:30px;height:30px;stroke:var(--navy);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.cyber-sec .cover svg{stroke:var(--red)}
.cover h3{margin-top:10px;font-size:17px;font-weight:800}
.cover p{margin-top:4px;color:var(--muted);font-size:14px}
.tag{display:inline-block;font-size:11px;font-weight:800;padding:1px 7px;border-radius:4px;background:var(--soft);color:var(--navy);margin-left:4px;vertical-align:middle}
.sub-h{margin:36px 0 14px;font-size:18px;font-weight:800}
.plus{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;list-style:none;padding:0;margin:0}
.plus li{display:flex;gap:10px;align-items:flex-start;padding:16px 18px;border-radius:12px;background:var(--soft);font-weight:600;font-size:15px}
.plus li::before{content:"";flex:none;width:20px;height:20px;margin-top:2px;border-radius:50%;background:var(--ok) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5.5 10.5l3 3 6-6.5' fill='none' stroke='white' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/20px no-repeat}
@media (max-width:600px){.plus{grid-template-columns:1fr}}
details{margin-top:20px;border-radius:12px;border:1px solid var(--line);padding:14px 18px;background:#fff}
summary{cursor:pointer;font-weight:800}
details ul{margin:12px 0 0;padding-left:20px;color:var(--muted);font-size:15px;display:grid;gap:4px}
.inds{display:flex;flex-wrap:wrap;gap:8px;margin-top:24px}
.inds span{padding:6px 12px;border-radius:999px;border:1px solid var(--line);font-size:13px;font-weight:600;color:var(--muted)}

/* tables */
.table-card{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);overflow-x:auto}
table{width:100%;border-collapse:collapse;font-size:15px}
caption{caption-side:top;text-align:left;font-size:13px;color:var(--muted);padding:14px 20px 0}
th,td{text-align:left;padding:14px 20px;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--navy);color:#fff;font-size:14px;font-weight:700}
tbody tr:last-child>*{border-bottom:0}
tbody th{font-weight:800;white-space:nowrap}
td.yes{font-weight:700;color:var(--navy)}
td.no{color:var(--muted)}
td.sel{background:var(--red);color:#fff;font-weight:800}
@media (max-width:640px){.table-card table{min-width:620px}}

/* footer */
.site-footer{background:var(--navy-900);color:rgba(255,255,255,.75);font-size:14px}
.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1.4fr;gap:32px;padding:56px 24px}
.footer-grid>*{min-width:0}
.footer-grid img{height:40px;width:auto;margin-bottom:12px}
.footer-grid p+p{margin-top:6px}
.footer-grid h2{font-size:14px;color:#fff;margin-bottom:10px}
.footer-grid a{text-decoration:none}
.footer-grid a:hover{color:#fff}
.copy{border-top:1px solid rgba(255,255,255,.12);padding:18px 24px;font-size:13px}
@media (max-width:760px){.footer-grid{grid-template-columns:1fr}}

@media (forced-colors:active){td.sel,.badge.req{forced-color-adjust:none;background:Highlight;color:HighlightText}}