:root {
  color-scheme: light;
  --blue: #3182f6;
  --blue-soft: #eef6ff;
  --ink: #17233a;
  --muted: #65758b;
  --line: #dce5ef;
  --surface: #ffffff;
  --background: #f6f8fb;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  color: var(--ink);
  background: var(--background);
  font-family: Pretendard, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.72;
  word-break: keep-all;
}

a { color: #1769db; text-underline-offset: 3px; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  border-bottom: 1px solid rgba(220, 229, 239, .85);
  background: rgba(255, 255, 255, .92);
  backdrop-filter: blur(16px);
}

.nav {
  display: flex;
  width: min(960px, calc(100% - 40px));
  min-height: 64px;
  margin: 0 auto;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.brand {
  color: var(--ink);
  font-size: 18px;
  font-weight: 850;
  text-decoration: none;
}

.nav-links { display: flex; flex-wrap: wrap; gap: 16px; }
.nav-links a { color: var(--muted); font-size: 14px; font-weight: 700; text-decoration: none; }

.page {
  width: min(860px, calc(100% - 40px));
  margin: 44px auto 80px;
}

.hero {
  padding: 54px;
  overflow: hidden;
  border: 1px solid #dce9fa;
  border-radius: 30px;
  background: radial-gradient(circle at 90% 10%, rgba(49, 130, 246, .18), transparent 30%), linear-gradient(135deg, #fff, #edf6ff);
  box-shadow: 0 20px 55px rgba(49, 92, 150, .10);
}

.eyebrow { margin: 0 0 12px; color: var(--blue); font-size: 14px; font-weight: 850; }
h1 { margin: 0; font-size: clamp(34px, 6vw, 54px); line-height: 1.18; letter-spacing: -2.5px; }
.lead { max-width: 650px; margin: 20px 0 0; color: var(--muted); font-size: 18px; }

.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 22px;
}

.card {
  display: block;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 20px;
  color: var(--ink);
  background: var(--surface);
  text-decoration: none;
  box-shadow: 0 10px 28px rgba(45, 70, 102, .06);
}

.card strong { display: block; margin-bottom: 8px; font-size: 18px; }
.card span { color: var(--muted); font-size: 14px; }

.document {
  padding: 42px 46px;
  border: 1px solid var(--line);
  border-radius: 24px;
  background: var(--surface);
  box-shadow: 0 14px 40px rgba(45, 70, 102, .06);
}

.document h1 { margin-bottom: 8px; font-size: 38px; }
.effective { margin: 0 0 34px; color: var(--muted); font-size: 14px; }
.summary { padding: 18px 20px; border-radius: 14px; background: var(--blue-soft); }
.document h2 { margin: 38px 0 12px; font-size: 23px; letter-spacing: -.7px; }
.document h3 { margin: 24px 0 8px; font-size: 18px; }
.document p, .document li { color: #3f4d62; }
.document ul, .document ol { padding-left: 22px; }
.document table { width: 100%; border-collapse: collapse; margin: 16px 0; font-size: 14px; }
.document th, .document td { padding: 13px 12px; border: 1px solid var(--line); text-align: left; vertical-align: top; }
.document th { background: #f4f7fb; }
.notice { padding: 16px 18px; border-left: 4px solid var(--blue); background: #f7faff; }

.footer {
  width: min(860px, calc(100% - 40px));
  margin: 0 auto 40px;
  color: #8794a6;
  font-size: 13px;
  text-align: center;
}

@media (max-width: 720px) {
  .nav { align-items: flex-start; flex-direction: column; padding: 16px 0; }
  .nav-links { gap: 11px; }
  .page { margin-top: 24px; }
  .hero { padding: 34px 26px; border-radius: 22px; }
  .cards { grid-template-columns: 1fr; }
  .document { padding: 30px 22px; border-radius: 18px; }
  .document h1 { font-size: 32px; }
  .document table { display: block; overflow-x: auto; white-space: nowrap; }
}