:root{
      --primary:#0B3D91;
      --primary-dark:#082c68;
      --cyan:#16d7e8;
      --ink:#12213b;
      --muted:#66748a;
      --surface:#f3f6fa;
      --line:#dce4ee;
      --white:#fff;
      --shadow:0 18px 50px rgba(11,61,145,.12);
      --radius:18px;
    }
    *{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{margin:0;color:var(--ink);background:#fff;font-family:Inter,"Noto Sans KR","Apple SD Gothic Neo",Arial,sans-serif;line-height:1.65}
    a{color:inherit;text-decoration:none}
    img{max-width:100%;display:block}
    button,input{font:inherit}
    .container{width:min(1180px,calc(100% - 40px));margin:0 auto}
    .skip-link{position:absolute;left:-9999px;top:auto}
    .skip-link:focus{left:20px;top:15px;z-index:100;background:var(--primary);color:#fff;padding:10px 16px;border-radius:8px}
    .topbar{background:#071b40;color:#d8e7ff;font-size:13px}
    .topbar-inner{min-height:38px;display:flex;align-items:center;justify-content:space-between;gap:20px}
    .topbar p{margin:0}
    .topbar-contact{display:flex;gap:18px}
    .topbar-contact a:hover{color:var(--cyan)}
    .header{position:relative;z-index:20;background:#fff;border-bottom:1px solid var(--line)}
    .header-inner{min-height:76px;display:flex;align-items:center;gap:30px}
    .logo{display:inline-flex;align-items:center;gap:10px;font-weight:800;color:var(--primary);white-space:nowrap}
    .logo img{width:34px;height:34px;object-fit:contain}
    .logo span{font-size:19px}
    .main-nav{flex:1}
    .nav-list{list-style:none;margin:0;padding:0;display:flex;align-items:center;justify-content:center;gap:4px}
    .nav-item{position:relative}
    .nav-link{display:block;padding:25px 13px;font-size:14px;font-weight:700;color:#30405b}
    .nav-link:hover,.nav-item:focus-within>.nav-link{color:var(--primary)}
    .dropdown-panel,.mega-menu{position:absolute;top:100%;left:50%;transform:translateX(-50%);visibility:hidden;opacity:0;pointer-events:none;background:#fff;border:1px solid var(--line);border-radius:0 0 16px 16px;box-shadow:var(--shadow);transition:.2s ease}
    .dropdown-panel{width:280px;padding:20px}
    .mega-menu{width:650px;padding:22px}
    .mega-wide{width:850px}
    .nav-item.has-panel:hover>.dropdown-panel,.nav-item.has-panel:focus-within>.dropdown-panel,.nav-item.has-panel:hover>.mega-menu,.nav-item.has-panel:focus-within>.mega-menu{visibility:visible;opacity:1;pointer-events:auto}
    .dropdown-panel:before,.mega-menu:before{content:"";position:absolute;top:-14px;left:0;right:0;height:14px}
    .dropdown-title,.mega-title{margin:0 0 12px;font-weight:800;color:var(--primary)}
    .dropdown-article{display:block;padding:9px 0;border-bottom:1px solid var(--line);font-size:13px}
    .dropdown-article:hover,.panel-more:hover{color:var(--primary)}
    .panel-more{display:inline-block;margin-top:13px;font-size:13px;font-weight:800;color:var(--primary)}
    .mega-layout{display:grid;grid-template-columns:190px 1fr;gap:20px}
    .mega-sidebar{padding:8px 10px;border-right:1px solid var(--line)}
    .mega-sidebar p{margin:0 0 15px;font-size:12px;color:var(--muted)}
    .mega-sidebar a{font-size:13px;font-weight:800;color:var(--primary)}
    .mega-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
    .mega-card{min-width:0;padding:12px;border:1px solid var(--line);border-radius:12px;transition:.2s}
    .mega-card:hover{border-color:var(--cyan);transform:translateY(-2px)}
    .mega-card img{width:42px;height:42px;object-fit:contain;margin-bottom:8px}
    .mega-card strong{display:block;font-size:13px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
    .mega-card small{display:block;color:var(--muted);font-size:11px;margin-top:5px;line-height:1.45}
    .mega-meta{display:flex;gap:8px;flex-wrap:wrap;color:var(--primary);font-size:10px;margin-top:7px}
    .mega-categories{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:15px;padding-bottom:14px;border-bottom:1px solid var(--line)}
    .mega-categories a{padding:5px 10px;background:var(--surface);border-radius:99px;font-size:11px}
    .header-btns{display:flex;align-items:center;gap:10px}
    .member-entry{font-size:13px;font-weight:700;color:var(--primary)}
    .open-account{padding:10px 15px;background:var(--primary);color:#fff;border-radius:9px;font-size:13px;font-weight:800}
    .open-account:hover{background:var(--primary-dark)}
    .hamburger{display:none;border:0;background:transparent;padding:8px;cursor:pointer}
    .hamburger span{display:block;width:23px;height:2px;margin:5px;background:var(--primary);transition:.2s}
    .hamburger.active span:nth-child(1){transform:translateY(7px) rotate(45deg)}
    .hamburger.active span:nth-child(2){opacity:0}
    .hamburger.active span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
    .drawer-overlay{display:none;position:fixed;inset:0;background:rgba(5,18,42,.5);z-index:40}
    .drawer-overlay.open{display:block}
    .mobile-drawer{position:fixed;top:0;right:-360px;width:min(360px,88vw);height:100vh;overflow:auto;background:#fff;z-index:50;transition:right .25s ease;box-shadow:-12px 0 35px rgba(0,0,0,.18)}
    .mobile-drawer.open{right:0}
    .drawer-head{display:flex;align-items:center;gap:12px;padding:20px;border-bottom:1px solid var(--line);font-weight:800;color:var(--primary)}
    .drawer-head>a{margin-left:auto;font-size:12px;background:var(--primary);color:#fff;padding:7px 10px;border-radius:7px}
    .drawer-close{border:0;background:transparent;font-size:25px;color:var(--muted);cursor:pointer}
    .drawer-menu{padding:12px 20px 30px}
    .drawer-link,.drawer-toggle{display:block;width:100%;padding:14px 0;border:0;border-bottom:1px solid var(--line);background:none;text-align:left;font-weight:700;color:var(--ink);cursor:pointer}
    .drawer-toggle:after{content:"+";float:right;color:var(--primary);font-size:18px}
    .drawer-toggle.active:after{content:"−"}
    .drawer-submenu{display:none;padding:5px 0 8px 15px}
    .drawer-submenu.open{display:block}
    .drawer-submenu a{display:block;padding:8px 0;color:var(--muted);font-size:14px}
    .footer{background:#071b40;color:#d9e5f8;margin-top:80px}
    .footer-main{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px;padding:55px 0 42px}
    .footer .logo{color:#fff}
    .footer-brand>p{max-width:340px;color:#9fb3d1;font-size:13px}
    .footer h2{margin:0 0 15px;color:#fff;font-size:14px}
    .footer-links{display:grid;gap:8px}
    .footer-links a,.footer-contact a,.footer-contact span{color:#9fb3d1;font-size:13px}
    .footer-links a:hover,.footer-contact a:hover{color:var(--cyan)}
    .footer-social{color:var(--cyan);font-size:13px}
    .footer-contact address{display:grid;gap:9px;font-style:normal}
    .footer-bottom{border-top:1px solid rgba(255,255,255,.14);display:flex;justify-content:space-between;gap:20px;padding:20px 0;color:#8fa6c7;font-size:12px}
    .footer-bottom-links{display:flex;gap:16px}
    .download-page-main{background:linear-gradient(180deg,#f2f6fc 0,#fff 58%);padding:80px 0 10px}
    .download-hero{text-align:center;max-width:760px;margin:0 auto 48px}
    .eyebrow{display:inline-block;padding:6px 12px;border-radius:99px;background:#dffaff;color:#087c94;font-size:12px;font-weight:800;letter-spacing:.04em}
    .download-hero h1{margin:18px 0 13px;font-size:clamp(34px,5vw,58px);line-height:1.14;color:var(--primary)}
    .download-hero p{margin:0;color:var(--muted);font-size:17px}
    .download-panel{display:grid;grid-template-columns:1fr 1fr;gap:20px;max-width:950px;margin:0 auto}
    .download-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow)}
    .download-card.featured{border:2px solid var(--cyan);position:relative}
    .download-card.featured:before{content:"추천 선택";position:absolute;top:-13px;right:22px;padding:4px 12px;border-radius:99px;background:var(--cyan);color:#063c59;font-size:11px;font-weight:800}
    .download-card h2{margin:0 0 8px;font-size:22px;color:var(--primary)}
    .download-card p{margin:0 0 20px;color:var(--muted);font-size:14px}
    .feature-list{list-style:none;margin:0 0 25px;padding:0;display:grid;gap:10px}
    .feature-list li{position:relative;padding-left:24px;font-size:14px}
    .feature-list li:before{content:"✓";position:absolute;left:0;color:#06a7b9;font-weight:900}
    .download-button{display:inline-flex;align-items:center;justify-content:center;width:100%;padding:13px 18px;border-radius:10px;background:var(--primary);color:#fff;font-weight:800}
    .download-button.alt{background:#eafcff;color:#087c94}
    .download-note{margin-top:12px;text-align:center;color:#8a97aa;font-size:11px}
    .download-steps{margin:75px auto 0;max-width:1000px}
    .section-heading{text-align:center;margin-bottom:28px}
    .section-heading h2{margin:0;color:var(--ink);font-size:30px}
    .section-heading p{margin:7px 0 0;color:var(--muted)}
    .step-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
    .step-card{padding:24px;background:#fff;border:1px solid var(--line);border-radius:15px}
    .step-number{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--primary);color:#fff;font-weight:900;margin-bottom:15px}
    .step-card h3{margin:0 0 6px;font-size:17px}
    .step-card p{margin:0;color:var(--muted);font-size:13px}
    .download-faq{max-width:800px;margin:70px auto 0}
    .faq-item{border-bottom:1px solid var(--line)}
    .faq-question{display:flex;justify-content:space-between;width:100%;padding:18px 0;border:0;background:transparent;text-align:left;color:var(--ink);font-weight:800;cursor:pointer}
    .faq-question:after{content:"+";color:var(--primary);font-size:20px}
    .faq-question.active:after{content:"−"}
    .faq-answer{display:none;padding:0 30px 18px 0;color:var(--muted);font-size:14px}
    .faq-answer.open{display:block}
    @media(max-width:1050px){
      .main-nav{display:none}
      .hamburger{display:block}
      .header-btns{margin-left:auto}
    }
    @media(max-width:760px){
      .container{width:min(100% - 28px,1180px)}
      .topbar-inner{padding:8px 0;align-items:flex-start;flex-direction:column;gap:2px}
      .header-inner{min-height:66px}
      .member-entry{display:none}
      .mega-layout{grid-template-columns:1fr}
      .mega-grid{grid-template-columns:1fr 1fr}
      .footer-main{grid-template-columns:1fr 1fr;gap:28px}
      .footer-bottom{flex-direction:column}
      .download-page-main{padding-top:55px}
      .download-panel,.step-grid{grid-template-columns:1fr}
      .download-card{padding:24px}
    }
    @media(max-width:480px){
      .topbar-contact{flex-direction:column;gap:0}
      .open-account{font-size:11px;padding:8px 10px}
      .footer-main{grid-template-columns:1fr}
      .download-hero h1{font-size:37px}
    }