:root {
  --ink: #17212b;
  --muted: #5b6876;
  --line: #d9e1e8;
  --paper: #f8fafb;
  --surface: #ffffff;
  --teal: #0d6f73;
  --teal-dark: #064e52;
  --gold: #b98a2f;
  --shadow: 0 18px 40px rgba(14, 32, 46, 0.12);
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Arial, "Noto Sans KR", "Malgun Gothic", sans-serif;
  line-height: 1.65;
}

a {
  color: inherit;
  text-decoration: none;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-height: 72px;
  padding: 12px clamp(18px, 4vw, 56px);
  border-bottom: 1px solid rgba(217, 225, 232, 0.88);
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(12px);
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  min-width: 168px;
}

.brand-mark {
  display: grid;
  width: 40px;
  height: 40px;
  place-items: center;
  border: 1px solid rgba(13, 111, 115, 0.26);
  border-radius: 8px;
  color: var(--teal-dark);
  background: #eaf5f4;
  font-weight: 700;
}

.brand strong,
.brand small {
  display: block;
}

.brand strong {
  font-size: 17px;
  letter-spacing: 0;
}

.brand small {
  color: var(--muted);
  font-size: 12px;
}

.primary-nav {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: clamp(4px, 0.9vw, 12px);
  width: 100%;
  font-size: 15px;
  font-weight: 700;
}

.nav-item {
  position: relative;
}

.nav-trigger {
  min-height: 42px;
  padding: 8px 10px;
  border: 0;
  border-bottom: 2px solid transparent;
  background: transparent;
  color: #263544;
  font: inherit;
  white-space: nowrap;
  cursor: pointer;
}

.nav-trigger::after {
  content: "";
  display: inline-block;
  width: 7px;
  height: 7px;
  margin-left: 7px;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: translateY(-3px) rotate(45deg);
}

.nav-item:hover .nav-trigger,
.nav-item:focus-within .nav-trigger,
.nav-trigger:focus-visible {
  border-color: var(--teal);
  color: var(--teal-dark);
}

.nav-panel {
  position: absolute;
  top: calc(100% + 10px);
  left: 50%;
  width: max-content;
  min-width: 220px;
  max-width: min(360px, calc(100vw - 32px));
  display: grid;
  gap: 2px;
  padding: 10px;
  border: 1px solid rgba(217, 225, 232, 0.96);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.98);
  box-shadow: var(--shadow);
  opacity: 0;
  pointer-events: none;
  transform: translate(-50%, 6px);
  transition: opacity 150ms ease, transform 150ms ease;
}

.nav-panel::before {
  content: "";
  position: absolute;
  top: -11px;
  right: 0;
  left: 0;
  height: 11px;
}

.nav-item:hover .nav-panel,
.nav-item:focus-within .nav-panel,
.nav-item.is-expanded .nav-panel {
  opacity: 1;
  pointer-events: auto;
  transform: translate(-50%, 0);
}

.nav-panel a {
  display: block;
  padding: 9px 10px;
  border-radius: 6px;
  color: #263544;
  font-size: 14px;
  font-weight: 700;
  line-height: 1.35;
  white-space: nowrap;
}

.nav-panel a:hover,
.nav-panel a:focus-visible {
  background: #eaf5f4;
  color: var(--teal-dark);
}

.menu-toggle {
  display: none;
  width: 42px;
  height: 42px;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
  cursor: pointer;
}

.menu-toggle span:not(.sr-only) {
  width: 18px;
  height: 2px;
  background: var(--ink);
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
}

.hero {
  position: relative;
  min-height: min(680px, calc(100vh - 72px));
  display: grid;
  align-items: center;
  overflow: hidden;
  background: #16222c;
}

.hero-image,
.hero-overlay {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
}

.hero-image {
  object-fit: cover;
}

.hero-overlay {
  background:
    linear-gradient(90deg, rgba(12, 24, 34, 0.88), rgba(12, 24, 34, 0.66) 42%, rgba(12, 24, 34, 0.18) 100%),
    linear-gradient(0deg, rgba(12, 24, 34, 0.2), rgba(12, 24, 34, 0.08));
}

.hero-content {
  position: relative;
  width: min(720px, calc(100% - 36px));
  margin-left: clamp(18px, 7vw, 92px);
  padding: 56px 0 88px;
  color: #ffffff;
}

.eyebrow {
  margin: 0 0 10px;
  color: var(--gold);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0;
  text-transform: uppercase;
}

.hero h1 {
  margin: 0;
  max-width: 680px;
  font-size: clamp(36px, 5.2vw, 68px);
  line-height: 1.12;
  letter-spacing: 0;
}

.hero p:not(.eyebrow) {
  max-width: 640px;
  margin: 22px 0 0;
  color: rgba(255, 255, 255, 0.88);
  font-size: clamp(17px, 2vw, 21px);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 32px;
}

.hero-actions a {
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 10px 16px;
  border: 1px solid rgba(255, 255, 255, 0.26);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.12);
  color: #ffffff;
  font-weight: 700;
}

.hero-actions a:hover,
.hero-actions a:focus-visible {
  background: #ffffff;
  color: var(--teal-dark);
}

.notice-band {
  padding: 18px clamp(18px, 4vw, 56px);
  background: var(--teal-dark);
  color: #effafa;
}

.notice-band p {
  width: min(1120px, 100%);
  margin: 0 auto;
  font-weight: 700;
}

.content-section {
  width: min(1180px, calc(100% - 36px));
  margin: 0 auto;
  padding: 76px 0;
}

.content-section.compact {
  padding-top: 8px;
}

.section-heading {
  max-width: 760px;
  margin-bottom: 28px;
}

.section-heading h2 {
  margin: 0;
  font-size: clamp(28px, 3vw, 42px);
  line-height: 1.2;
}

.section-heading p:not(.eyebrow) {
  margin: 12px 0 0;
  color: var(--muted);
  font-size: 17px;
}

.menu-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
}

.menu-grid article {
  min-height: 280px;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
  box-shadow: 0 1px 0 rgba(14, 32, 46, 0.04);
}

.menu-grid h3 {
  margin: 0;
  font-size: 22px;
}

.menu-grid p {
  margin: 10px 0 16px;
  color: var(--muted);
}

.menu-grid ul {
  display: grid;
  gap: 8px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.menu-grid a {
  color: var(--teal-dark);
  font-weight: 700;
}

.menu-grid a:hover,
.menu-grid a:focus-visible {
  text-decoration: underline;
  text-underline-offset: 4px;
}

.checklist {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.checklist p {
  margin: 0;
  padding: 22px;
  border-left: 4px solid var(--teal);
  border-radius: 8px;
  background: var(--surface);
  box-shadow: var(--shadow);
}

.site-footer {
  padding: 32px clamp(18px, 4vw, 56px);
  border-top: 1px solid var(--line);
  background: #ffffff;
  color: var(--muted);
}

.site-footer p {
  width: min(1120px, 100%);
  margin: 0 auto;
}

.site-footer p + p {
  margin-top: 8px;
}

.article-hero {
  padding: 44px clamp(18px, 4vw, 56px) 28px;
  background:
    linear-gradient(135deg, rgba(6, 78, 82, 0.94), rgba(23, 33, 43, 0.94)),
    url("assets/insurance-knowledge-hero.png") center / cover;
  color: #ffffff;
}

.article-hero-inner {
  width: min(1040px, 100%);
  margin: 0 auto;
}

.breadcrumb {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 28px;
  color: rgba(255, 255, 255, 0.72);
  font-size: 14px;
}

.breadcrumb a {
  color: #ffffff;
  font-weight: 700;
}

.article-hero h1 {
  max-width: 820px;
  margin: 0;
  font-size: clamp(34px, 5vw, 58px);
  line-height: 1.14;
  letter-spacing: 0;
}

.article-summary {
  max-width: 780px;
  margin: 18px 0 0;
  color: rgba(255, 255, 255, 0.86);
  font-size: clamp(17px, 2vw, 20px);
}

.trust-strip {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 10px;
  margin-top: 28px;
}

.trust-strip span {
  padding: 12px 14px;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.1);
  color: rgba(255, 255, 255, 0.88);
  font-size: 13px;
  font-weight: 700;
}

.article-shell {
  width: min(1120px, calc(100% - 36px));
  display: grid;
  grid-template-columns: minmax(0, 1fr) 300px;
  gap: 28px;
  margin: 0 auto;
  padding: 34px 0 76px;
}

.article-shell-single {
  width: min(940px, calc(100% - 36px));
  grid-template-columns: minmax(0, 1fr);
}

.article-body {
  padding: clamp(22px, 4vw, 46px);
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
  box-shadow: 0 1px 0 rgba(14, 32, 46, 0.04);
}

.quality-note {
  margin: 34px 0 26px;
  padding: 22px;
  border: 1px solid rgba(13, 111, 115, 0.2);
  border-radius: 8px;
  background: #f1fbfa;
}

.quality-note h2 {
  margin-top: 0;
}

.quality-note p:last-child {
  margin-bottom: 0;
}

.article-body h2 {
  margin: 34px 0 12px;
  font-size: clamp(24px, 3vw, 32px);
  line-height: 1.28;
}

.article-body h2:first-child {
  margin-top: 0;
}

.article-body p {
  margin: 0 0 18px;
  color: #263544;
  font-size: 17px;
}

.article-body ul,
.article-body ol {
  margin: 0 0 22px;
  padding-left: 22px;
}

.article-body li {
  margin: 8px 0;
}

.callout {
  margin: 26px 0;
  padding: 18px;
  border-left: 4px solid var(--gold);
  border-radius: 8px;
  background: #fff8ea;
}

.callout strong {
  display: block;
  margin-bottom: 6px;
}

.article-sidebar {
  display: grid;
  align-content: start;
  gap: 14px;
}

.side-card {
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
}

.side-card h2 {
  margin: 0 0 12px;
  font-size: 18px;
}

.side-card p,
.side-card li {
  color: var(--muted);
  font-size: 14px;
}

.side-card ul {
  display: grid;
  gap: 8px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.side-card a {
  color: var(--teal-dark);
  font-weight: 800;
}

.author-box {
  display: grid;
  gap: 8px;
}

.mobile-bottom-nav {
  display: none;
}

@media (max-width: 1040px) {
  .menu-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .primary-nav {
    gap: 2px;
    font-size: 14px;
  }

  .nav-trigger {
    padding-right: 7px;
    padding-left: 7px;
  }
}

@media (max-width: 820px) {
  .site-header {
    min-height: 64px;
  }

  .menu-toggle {
    display: flex;
  }

  .primary-nav {
    position: absolute;
    top: 64px;
    right: 0;
    left: 0;
    display: none;
    grid-template-columns: 1fr;
    gap: 0;
    max-height: calc(100vh - 64px);
    overflow: auto;
    padding: 8px 18px 18px;
    border-bottom: 1px solid var(--line);
    background: #ffffff;
  }

  .primary-nav.is-open {
    display: grid;
  }

  .nav-item {
    border-bottom: 1px solid #edf1f4;
  }

  .nav-trigger {
    width: 100%;
    min-height: 50px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 12px 4px;
    text-align: left;
  }

  .nav-trigger::after {
    flex: 0 0 auto;
  }

  .nav-panel {
    position: static;
    width: 100%;
    max-width: none;
    min-width: 0;
    display: none;
    padding: 0 0 12px;
    border: 0;
    box-shadow: none;
    opacity: 1;
    pointer-events: auto;
    transform: none;
    transition: none;
  }

  .nav-panel::before {
    display: none;
  }

  .nav-item.is-expanded .nav-panel {
    display: grid;
    transform: none;
  }

  .nav-panel a {
    padding: 10px 12px;
    background: #f8fafb;
    white-space: normal;
  }

  .hero {
    min-height: calc(100vh - 64px);
  }

  .hero-content {
    margin-left: 18px;
    padding: 44px 0 72px;
  }

  .hero-actions a {
    width: 100%;
  }

  .checklist {
    grid-template-columns: 1fr;
  }

  .article-hero {
    padding: 30px 18px 24px;
  }

  .trust-strip {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .article-shell {
    width: calc(100% - 24px);
    grid-template-columns: 1fr;
    gap: 16px;
    padding-top: 18px;
  }

  .article-body {
    padding: 22px 18px;
  }

  .article-body p {
    font-size: 16px;
  }

  .article-sidebar {
    order: -1;
  }

  .mobile-bottom-nav {
    position: sticky;
    bottom: 0;
    z-index: 18;
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    border-top: 1px solid var(--line);
    background: rgba(255, 255, 255, 0.96);
    backdrop-filter: blur(12px);
  }

  .mobile-bottom-nav a {
    min-height: 54px;
    display: grid;
    place-items: center;
    color: var(--teal-dark);
    font-size: 13px;
    font-weight: 800;
  }
}

@media (max-width: 640px) {
  .brand small {
    display: none;
  }

  .hero-overlay {
    background: linear-gradient(90deg, rgba(12, 24, 34, 0.92), rgba(12, 24, 34, 0.72));
  }

  .menu-grid {
    grid-template-columns: 1fr;
  }

  .menu-grid article {
    min-height: auto;
  }
}