:root{
      --theme:#0B3D91;
      --theme-token:{主题色};
      --theme-dark:#072b68;
      --cyan:#13d7e6;
      --cyan-soft:#e9fcfe;
      --ink:#122033;
      --muted:#607086;
      --line:#dce4ee;
      --surface:#ffffff;
      --soft:#f4f7fb;
      --shadow:0 18px 48px rgba(24,45,79,.12);
      --radius:20px;
      --container:1220px;
    }

    *{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{
      margin:0;
      color:var(--ink);
      background:var(--soft);
      font-family:Arial,"Noto Sans KR","Apple SD Gothic Neo",sans-serif;
      line-height:1.65;
    }
    body.drawer-lock{overflow:hidden}
    img{display:block;max-width:100%}
    a{color:inherit;text-decoration:none}
    button,input{font:inherit}
    button{color:inherit}
    .container{width:min(var(--container),calc(100% - 40px));margin:0 auto}
    .skip-link{
      position:fixed;
      top:10px;
      left:10px;
      z-index:3000;
      padding:10px 16px;
      color:#fff;
      background:var(--theme);
      border-radius:8px;
      transform:translateY(-150%);
    }
    .skip-link:focus{transform:translateY(0)}

    .topbar{
      color:#dce8ff;
      background:#061b3e;
      font-size:13px;
    }
    .topbar-inner{
      min-height:38px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:24px;
    }
    .topbar-welcome{margin:0}
    .topbar-contact{display:flex;align-items:center;gap:20px}
    .topbar-contact a:hover{color:var(--cyan)}

    .header{
      position:relative;
      z-index:100;
      background:rgba(255,255,255,.98);
      border-bottom:1px solid var(--line);
      box-shadow:0 8px 24px rgba(18,32,51,.04);
    }
    .header-inner{
      min-height:78px;
      display:flex;
      align-items:center;
      gap:24px;
    }
    .logo{
      flex:0 0 auto;
      display:inline-flex;
      align-items:center;
      gap:10px;
      color:var(--theme);
      font-size:20px;
      font-weight:900;
      letter-spacing:-.03em;
    }
    .logo img{
      width:42px;
      height:42px;
      object-fit:contain;
      border-radius:10px;
    }
    .main-nav{align-self:stretch;margin-left:auto}
    .nav-list{
      height:100%;
      display:flex;
      align-items:stretch;
      gap:2px;
      margin:0;
      padding:0;
      list-style:none;
    }
    .nav-item{position:relative;display:flex;align-items:stretch}
    .nav-link{
      position:relative;
      display:flex;
      align-items:center;
      padding:0 14px;
      color:#25364d;
      font-size:15px;
      font-weight:800;
      white-space:nowrap;
    }
    .has-panel>.nav-link::after{
      content:"";
      width:6px;
      height:6px;
      margin-left:7px;
      border-right:2px solid currentColor;
      border-bottom:2px solid currentColor;
      transform:translateY(-2px) rotate(45deg);
    }
    .nav-link:hover,.nav-item:focus-within>.nav-link{
      color:var(--theme);
      background:#f4f7fc;
    }
    .nav-item.has-panel::after{
      content:"";
      position:absolute;
      top:100%;
      left:0;
      width:100%;
      height:12px;
    }
    .dropdown-panel,.mega-menu{
      position:absolute;
      top:100%;
      left:50%;
      z-index:130;
      visibility:hidden;
      opacity:0;
      padding:22px;
      background:#fff;
      border:1px solid var(--line);
      border-radius:0 0 18px 18px;
      box-shadow:var(--shadow);
      transform:translate(-50%,10px);
      transition:opacity .2s ease,transform .2s ease,visibility .2s;
    }
    .nav-item:hover>.dropdown-panel,
    .nav-item:focus-within>.dropdown-panel,
    .nav-item:hover>.mega-menu,
    .nav-item:focus-within>.mega-menu{
      visibility:visible;
      opacity:1;
      transform:translate(-50%,0);
    }
    .dropdown-panel{width:330px}
    .dropdown-title,.mega-title{
      margin:0 0 12px;
      color:var(--theme);
      font-weight:900;
    }
    .dropdown-article{
      display:block;
      padding:10px 0;
      color:#34455d;
      border-bottom:1px solid #edf1f6;
      font-size:14px;
    }
    .dropdown-article:hover{color:var(--theme)}
    .panel-more{
      display:inline-flex;
      margin-top:14px;
      color:var(--theme);
      font-size:14px;
      font-weight:900;
    }
    .mega-menu{
      width:min(880px,calc(100vw - 40px));
      padding:24px;
    }
    .mega-wide{width:min(1040px,calc(100vw - 40px))}
    .mega-layout{
      display:grid;
      grid-template-columns:210px minmax(0,1fr);
      gap:22px;
    }
    .mega-sidebar{
      padding:18px;
      background:linear-gradient(145deg,var(--theme),var(--theme-dark));
      color:#fff;
      border-radius:16px;
    }
    .mega-sidebar .mega-title{color:#fff;font-size:18px}
    .mega-sidebar p:not(.mega-title){margin:0 0 18px;color:#dce8ff;font-size:14px}
    .mega-sidebar a{
      display:inline-flex;
      padding:8px 12px;
      color:#04244c;
      background:var(--cyan);
      border-radius:999px;
      font-size:13px;
      font-weight:900;
    }
    .mega-categories{
      display:flex;
      flex-wrap:wrap;
      gap:8px;
      margin-bottom:18px;
      padding-bottom:18px;
      border-bottom:1px solid var(--line);
    }
    .mega-categories a{
      padding:7px 12px;
      color:var(--theme);
      background:#edf3ff;
      border-radius:999px;
      font-size:13px;
      font-weight:800;
    }
    .mega-grid{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:12px;
    }
    .mega-card{
      min-width:0;
      display:grid;
      grid-template-columns:42px minmax(0,1fr);
      align-items:center;
      gap:6px 10px;
      padding:13px;
      border:1px solid var(--line);
      border-radius:14px;
      background:#fff;
      transition:transform .2s ease,border-color .2s ease,box-shadow .2s ease;
    }
    .mega-card:hover{
      border-color:#91aee0;
      box-shadow:0 10px 24px rgba(11,61,145,.11);
      transform:translateY(-2px);
    }
    .mega-card img{
      grid-row:1/4;
      width:42px;
      height:42px;
      object-fit:contain;
      border-radius:10px;
      background:#f4f7fb;
    }
    .mega-card strong{
      min-width:0;
      overflow:hidden;
      color:#1b2d45;
      font-size:14px;
      text-overflow:ellipsis;
      white-space:nowrap;
    }
    .mega-card small{
      grid-column:2;
      display:-webkit-box;
      overflow:hidden;
      color:var(--muted);
      font-size:12px;
      line-height:1.45;
      -webkit-box-orient:vertical;
      -webkit-line-clamp:2;
    }
    .mega-meta{
      grid-column:2;
      display:flex;
      flex-wrap:wrap;
      gap:5px 9px;
      color:var(--theme);
      font-size:11px;
      font-weight:800;
    }
    .video-card,.product-card{grid-template-columns:62px minmax(0,1fr)}
    .video-card img,.product-card img{
      width:62px;
      height:48px;
      object-fit:cover;
    }
    .header-btns{
      display:flex;
      align-items:center;
      gap:9px;
      margin-left:4px;
    }
    .member-entry{display:flex;align-items:center}
    .member-entry a{
      display:inline-flex;
      align-items:center;
      min-height:40px;
      padding:0 14px;
      color:var(--theme);
      border:1px solid #b8c8e4;
      border-radius:10px;
      font-size:14px;
      font-weight:800;
    }
    .open-account{
      display:inline-flex;
      align-items:center;
      min-height:42px;
      padding:0 16px;
      color:#fff;
      background:var(--theme);
      border-radius:10px;
      font-size:14px;
      font-weight:900;
      box-shadow:0 8px 18px rgba(11,61,145,.2);
    }
    .open-account:hover{background:var(--theme-dark)}
    .hamburger{
      width:44px;
      height:44px;
      display:none;
      place-items:center;
      padding:10px;
      background:#fff;
      border:1px solid var(--line);
      border-radius:10px;
      cursor:pointer;
    }
    .hamburger span{
      display:block;
      width:22px;
      height:2px;
      margin:3px auto;
      background:var(--ink);
      transition:.2s ease;
    }
    .hamburger.active span:nth-child(1){transform:translateY(5px) rotate(45deg)}
    .hamburger.active span:nth-child(2){opacity:0}
    .hamburger.active span:nth-child(3){transform:translateY(-5px) rotate(-45deg)}

    .drawer-overlay{
      position:fixed;
      inset:0;
      z-index:900;
      visibility:hidden;
      opacity:0;
      background:rgba(3,14,33,.58);
      transition:.25s ease;
    }
    .drawer-overlay.open{visibility:visible;opacity:1}
    .mobile-drawer{
      position:fixed;
      top:0;
      right:0;
      z-index:910;
      width:min(390px,90vw);
      height:100dvh;
      overflow-y:auto;
      background:#fff;
      box-shadow:-20px 0 60px rgba(0,0,0,.22);
      transform:translateX(105%);
      transition:transform .28s ease;
    }
    .mobile-drawer.open{transform:translateX(0)}
    .drawer-head{
      min-height:76px;
      display:flex;
      align-items:center;
      gap:9px;
      padding:14px 18px;
      color:#fff;
      background:var(--theme);
    }
    .drawer-head>a{
      padding:8px 11px;
      color:#062759;
      background:var(--cyan);
      border-radius:8px;
      font-size:13px;
      font-weight:900;
    }
    .drawer-close{
      width:38px;
      height:38px;
      margin-left:auto;
      color:#fff;
      background:rgba(255,255,255,.12);
      border:1px solid rgba(255,255,255,.25);
      border-radius:9px;
      font-size:27px;
      line-height:1;
      cursor:pointer;
    }
    .drawer-menu{padding:14px 18px 30px}
    .drawer-link,.drawer-toggle{
      width:100%;
      display:flex;
      align-items:center;
      justify-content:space-between;
      padding:15px 4px;
      background:none;
      border:0;
      border-bottom:1px solid var(--line);
      text-align:left;
      font-weight:900;
      cursor:pointer;
    }
    .drawer-toggle::after{
      content:"+";
      color:var(--theme);
      font-size:22px;
    }
    .drawer-toggle.active::after{content:"−"}
    .drawer-submenu{
      max-height:0;
      overflow:hidden;
      padding:0 12px;
      background:#f6f8fc;
      transition:max-height .3s ease,padding .3s ease;
    }
    .drawer-submenu.open{max-height:620px;padding:8px 12px}
    .drawer-submenu a{
      display:block;
      padding:9px 5px;
      color:#4d5e75;
      font-size:14px;
    }
    .drawer-submenu a:hover{color:var(--theme)}

    .tools-page{min-height:70vh}
    .tools-page .tools-hero{
      position:relative;
      overflow:hidden;
      padding:78px 0 68px;
      color:#fff;
      background:
        radial-gradient(circle at 15% 20%,rgba(19,215,230,.25),transparent 28%),
        radial-gradient(circle at 85% 80%,rgba(71,122,219,.3),transparent 30%),
        linear-gradient(145deg,#071b43,#0B3D91 58%,#095c91);
    }
    .tools-page .tools-hero::before,
    .tools-page .tools-hero::after{
      content:"";
      position:absolute;
      border:1px solid rgba(255,255,255,.13);
      border-radius:50%;
    }
    .tools-page .tools-hero::before{
      width:420px;
      height:420px;
      top:-220px;
      right:-80px;
    }
    .tools-page .tools-hero::after{
      width:260px;
      height:260px;
      bottom:-170px;
      left:8%;
    }
    .tools-page .hero-inner{
      position:relative;
      z-index:2;
      max-width:850px;
      margin:0 auto;
      text-align:center;
    }
    .tools-page .eyebrow{
      display:inline-flex;
      align-items:center;
      gap:8px;
      margin-bottom:15px;
      padding:7px 13px;
      color:#062b52;
      background:var(--cyan);
      border-radius:999px;
      font-size:13px;
      font-weight:900;
    }
    .tools-page .tools-hero h1{
      margin:0;
      font-size:clamp(36px,6vw,68px);
      line-height:1.12;
      letter-spacing:-.055em;
    }
    .tools-page .tools-hero p{
      max-width:700px;
      margin:20px auto 0;
      color:#dce8ff;
      font-size:clamp(16px,2vw,20px);
    }
    .tools-page .hero-pills{
      display:flex;
      flex-wrap:wrap;
      justify-content:center;
      gap:10px;
      margin-top:28px;
    }
    .tools-page .hero-pills a{
      padding:10px 15px;
      color:#fff;
      background:rgba(255,255,255,.09);
      border:1px solid rgba(255,255,255,.2);
      border-radius:999px;
      font-size:14px;
      font-weight:800;
      backdrop-filter:blur(8px);
    }
    .tools-page .hero-pills a:hover{
      color:#032c55;
      background:var(--cyan);
      border-color:var(--cyan);
    }
    .tools-page .tool-search{
      max-width:760px;
      display:flex;
      gap:10px;
      margin:34px auto 0;
      padding:9px;
      background:#fff;
      border-radius:17px;
      box-shadow:0 20px 55px rgba(0,0,0,.22);
    }
    .tools-page .tool-search input{
      min-width:0;
      flex:1;
      min-height:48px;
      padding:0 14px;
      color:var(--ink);
      background:transparent;
      border:0;
      outline:none;
    }
    .tools-page .tool-search button{
      min-height:48px;
      padding:0 22px;
      color:#fff;
      background:var(--theme);
      border:0;
      border-radius:11px;
      font-weight:900;
      cursor:pointer;
    }

    .tools-page .tools-section{padding:72px 0}
    .tools-page .section-head{
      display:flex;
      align-items:end;
      justify-content:space-between;
      gap:30px;
      margin-bottom:28px;
    }
    .tools-page .section-label{
      display:block;
      margin-bottom:7px;
      color:var(--theme);
      font-size:13px;
      font-weight:900;
      letter-spacing:.08em;
    }
    .tools-page .section-head h2,
    .tools-page .guide-head h2,
    .tools-page .faq-head h2{
      margin:0;
      font-size:clamp(28px,4vw,42px);
      line-height:1.2;
      letter-spacing:-.04em;
    }
    .tools-page .section-head p{
      max-width:520px;
      margin:0;
      color:var(--muted);
    }
    .tools-page .tools-grid{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:20px;
    }
    .tools-page .tool-card{
      min-width:0;
      display:flex;
      flex-direction:column;
      padding:25px;
      background:var(--surface);
      border:1px solid var(--line);
      border-radius:var(--radius);
      box-shadow:0 12px 32px rgba(28,50,83,.06);
      transition:transform .22s ease,border-color .22s ease,box-shadow .22s ease;
    }
    .tools-page .tool-card:hover{
      border-color:#82a7df;
      box-shadow:0 18px 38px rgba(11,61,145,.13);
      transform:translateY(-5px);
    }
    .tools-page .tool-icon{
      width:62px;
      height:62px;
      display:grid;
      place-items:center;
      margin-bottom:20px;
      background:linear-gradient(145deg,#edf3ff,var(--cyan-soft));
      border:1px solid #d5e4f6;
      border-radius:17px;
    }
    .tools-page .tool-icon img{
      width:38px;
      height:38px;
      object-fit:contain;
    }
    .tools-page .tool-card h3{
      margin:0 0 10px;
      font-size:21px;
      line-height:1.35;
    }
    .tools-page .tool-card p{
      display:-webkit-box;
      overflow:hidden;
      margin:0 0 22px;
      color:var(--muted);
      -webkit-box-orient:vertical;
      -webkit-line-clamp:3;
    }
    .tools-page .tool-link{
      display:inline-flex;
      align-items:center;
      gap:8px;
      margin-top:auto;
      color:var(--theme);
      font-weight:900;
    }
    .tools-page .tool-link::after{content:"→";transition:transform .2s ease}
    .tools-page .tool-card:hover .tool-link::after{transform:translateX(4px)}

    .tools-page .guide-section{
      padding:72px 0;
      background:#fff;
      border-top:1px solid var(--line);
      border-bottom:1px solid var(--line);
    }
    .tools-page .guide-head{
      max-width:720px;
      margin:0 auto 38px;
      text-align:center;
    }
    .tools-page .guide-head p{
      margin:14px 0 0;
      color:var(--muted);
    }
    .tools-page .guide-grid{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
    }
    .tools-page .guide-card{
      position:relative;
      padding:27px;
      background:var(--soft);
      border:1px solid var(--line);
      border-radius:18px;
    }
    .tools-page .guide-number{
      display:inline-grid;
      width:38px;
      height:38px;
      place-items:center;
      margin-bottom:18px;
      color:#043058;
      background:var(--cyan);
      border-radius:50%;
      font-weight:900;
    }
    .tools-page .guide-card h3{margin:0 0 9px;font-size:20px}
    .tools-page .guide-card p{margin:0;color:var(--muted)}

    .tools-page .notice-section{padding:72px 0}
    .tools-page .notice-panel{
      display:grid;
      grid-template-columns:minmax(0,1.3fr) minmax(280px,.7fr);
      gap:30px;
      align-items:center;
      padding:38px;
      color:#fff;
      background:linear-gradient(135deg,#071d45,var(--theme));
      border-radius:26px;
      box-shadow:var(--shadow);
    }
    .tools-page .notice-panel h2{
      margin:0 0 12px;
      font-size:clamp(27px,4vw,40px);
      line-height:1.2;
    }
    .tools-page .notice-panel p{margin:0;color:#dce8ff}
    .tools-page .notice-list{
      margin:0;
      padding:0;
      list-style:none;
    }
    .tools-page .notice-list li{
      position:relative;
      padding:10px 0 10px 28px;
      border-bottom:1px solid rgba(255,255,255,.13);
    }
    .tools-page .notice-list li:last-child{border-bottom:0}
    .tools-page .notice-list li::before{
      content:"✓";
      position:absolute;
      left:0;
      color:var(--cyan);
      font-weight:900;
    }

    .tools-page .faq-section{
      padding:0 0 78px;
    }
    .tools-page .faq-head{
      max-width:720px;
      margin:0 auto 30px;
      text-align:center;
    }
    .tools-page .faq-head p{margin:13px 0 0;color:var(--muted)}
    .tools-page .faq-list{
      max-width:900px;
      margin:0 auto;
      display:grid;
      gap:12px;
    }
    .tools-page .faq-item{
      overflow:hidden;
      background:#fff;
      border:1px solid var(--line);
      border-radius:15px;
    }
    .tools-page .faq-question{
      width:100%;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:20px;
      padding:20px 22px;
      background:#fff;
      border:0;
      text-align:left;
      font-weight:900;
      cursor:pointer;
    }
    .tools-page .faq-question::after{
      content:"+";
      flex:0 0 auto;
      color:var(--theme);
      font-size:24px;
    }
    .tools-page .faq-question.active::after{content:"−"}
    .tools-page .faq-answer{
      max-height:0;
      overflow:hidden;
      color:var(--muted);
      transition:max-height .3s ease,padding .3s ease;
    }
    .tools-page .faq-answer.open{
      max-height:240px;
      padding:0 22px 20px;
    }
    .tools-page .faq-answer p{margin:0}

    .footer{
      color:#cbd7e9;
      background:#07172f;
    }
    .footer-main{
      display:grid;
      grid-template-columns:1.45fr 1fr 1fr 1.15fr;
      gap:42px;
      padding-top:60px;
      padding-bottom:48px;
    }
    .footer .logo{color:#fff}
    .footer-brand p{
      max-width:390px;
      margin:18px 0;
      color:#9fb0c8;
    }
    .footer-social{display:flex;flex-wrap:wrap;gap:10px}
    .footer h2{
      margin:4px 0 18px;
      color:#fff;
      font-size:16px;
    }
    .footer-links{display:grid;gap:10px}
    .footer-links a,.footer-contact a{color:#aebdd1}
    .footer-links a:hover,.footer-contact a:hover{color:var(--cyan)}
    .footer-contact address{
      display:grid;
      gap:10px;
      color:#9fb0c8;
      font-style:normal;
    }
    .footer-bottom{
      min-height:72px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:24px;
      color:#8fa0b8;
      border-top:1px solid rgba(255,255,255,.1);
      font-size:13px;
    }
    .footer-bottom-links{display:flex;gap:18px}
    .footer-bottom-links a:hover{color:var(--cyan)}

    @media (max-width:1120px){
      .main-nav{display:none}
      .hamburger{display:grid}
      .header-btns{margin-left:auto}
      .tools-page .tools-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
      .footer-main{grid-template-columns:repeat(2,minmax(0,1fr))}
    }

    @media (max-width:760px){
      .container{width:min(100% - 28px,var(--container))}
      .topbar-inner{min-height:48px}
      .topbar-welcome{display:none}
      .topbar-contact{width:100%;justify-content:space-between;gap:10px}
      .header-inner{min-height:68px;gap:10px}
      .logo{font-size:17px}
      .logo img{width:36px;height:36px}
      .member-entry,.open-account{display:none}
      .tools-page .tools-hero{padding:58px 0 55px}
      .tools-page .tool-search{display:grid}
      .tools-page .tool-search button{width:100%}
      .tools-page .tools-section,
      .tools-page .guide-section,
      .tools-page .notice-section{padding:54px 0}
      .tools-page .section-head{display:block}
      .tools-page .section-head p{margin-top:13px}
      .tools-page .tools-grid,
      .tools-page .guide-grid,
      .tools-page .notice-panel{grid-template-columns:1fr}
      .tools-page .notice-panel{padding:28px}
      .footer-main{grid-template-columns:1fr;gap:30px;padding-top:48px}
      .footer-bottom{
        align-items:flex-start;
        flex-direction:column;
        padding:20px 0;
      }
    }

    @media (max-width:420px){
      .topbar-contact{flex-direction:column;align-items:flex-start;padding:8px 0}
      .tools-page .tools-grid{grid-template-columns:1fr}
      .tools-page .tool-card{padding:21px}
      .tools-page .hero-pills{gap:7px}
      .tools-page .hero-pills a{font-size:12px}
    }