:root {
  color-scheme: light dark;
  --bg: #f6f8f7;
  --surface: #ffffff;
  --text: #17332f;
  --muted: #5d716e;
  --line: #dbe6e3;
  --brand: #087f6d;
  --brand-soft: #dff4ee;
  --warning: #7b4d00;
  --warning-bg: #fff5d9;
  --todo: #9b2c2c;
  --shadow: 0 16px 46px rgba(20, 61, 54, 0.08);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: Pretendard, "Noto Sans KR", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.72;
  word-break: keep-all;
}

.wrap { width: min(880px, calc(100% - 40px)); margin-inline: auto; }
.skip-link { position: absolute; left: -9999px; top: 12px; }
.skip-link:focus { left: 12px; z-index: 10; padding: 10px 14px; background: var(--surface); color: var(--text); border-radius: 8px; }
.hero { padding: 78px 0 62px; background: linear-gradient(145deg, #083d35, #087f6d); color: #fff; }
.eyebrow { margin: 0 0 8px; color: #a8eadc; font-weight: 800; letter-spacing: .08em; }
h1 { margin: 0; font-size: clamp(2.25rem, 7vw, 4.1rem); line-height: 1.15; letter-spacing: -.045em; }
.lead { max-width: 620px; margin: 20px 0 0; font-size: clamp(1rem, 2.5vw, 1.22rem); color: #e7f8f4; }
.effective { margin: 26px 0 0; color: #bfe8df; font-size: .92rem; }
.policy { margin-top: -22px; padding-bottom: 72px; }
.notice, section { background: var(--surface); border: 1px solid var(--line); border-radius: 20px; box-shadow: var(--shadow); }
.notice { position: relative; margin-bottom: 18px; padding: 24px 28px; border-left: 5px solid #e2a82e; color: var(--warning); background: var(--warning-bg); }
.notice p { margin: 5px 0 0; }
section { margin: 18px 0; padding: clamp(26px, 5vw, 44px); }
h2 { display: flex; align-items: center; gap: 12px; margin: 0 0 22px; font-size: clamp(1.3rem, 3vw, 1.65rem); letter-spacing: -.025em; }
h2 span { display: inline-grid; place-items: center; width: 38px; height: 30px; border-radius: 999px; background: var(--brand-soft); color: var(--brand); font-size: .78rem; }
h3 { margin: 0 0 8px; font-size: 1.03rem; }
p { margin: 12px 0; }
ul { margin: 14px 0 0; padding-left: 1.35rem; }
li + li { margin-top: 8px; }
.muted { color: var(--muted); font-size: .92rem; }
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: 14px; }
table { width: 100%; min-width: 650px; border-collapse: collapse; font-size: .92rem; }
th, td { padding: 14px 16px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--line); }
th { background: var(--brand-soft); color: var(--brand); white-space: nowrap; }
tr:last-child td { border-bottom: 0; }
.cards { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; margin: 20px 0; }
.cards article { padding: 20px; border: 1px solid var(--line); border-radius: 14px; background: var(--bg); }
.cards p { margin-bottom: 0; color: var(--muted); }
.transfer { margin: 20px 0; padding: 8px 20px; border: 1px solid var(--line); border-radius: 14px; background: var(--bg); }
.transfer p { display: grid; grid-template-columns: 130px 1fr; gap: 18px; padding: 9px 0; }
.transfer span { color: var(--muted); }
.callout { margin-top: 22px; padding: 16px 18px; border-radius: 12px; background: var(--warning-bg); color: var(--warning); }
.contact { margin-top: 20px; padding: 8px 20px; border-radius: 14px; background: var(--bg); }
.contact p { display: flex; justify-content: space-between; gap: 24px; padding: 9px 0; }
.contact span { color: var(--muted); }
.contact a { color: var(--brand); text-underline-offset: 3px; }
footer { padding: 42px 0; background: #092f29; color: #dcece8; }
footer p { margin: 5px 0; }
.copyright { color: #9bc4bb; font-size: .88rem; }

@media (max-width: 620px) {
  .wrap { width: min(100% - 24px, 880px); }
  .hero { padding: 56px 0 50px; }
  .cards { grid-template-columns: 1fr; }
  .transfer p { grid-template-columns: 1fr; gap: 0; }
  .contact p { flex-direction: column; gap: 0; }
}

@media (prefers-color-scheme: dark) {
  :root {
    --bg: #0f1b19;
    --surface: #162623;
    --text: #edf7f4;
    --muted: #adc2bd;
    --line: #2d4440;
    --brand: #72dec9;
    --brand-soft: #153d36;
    --warning: #ffd886;
    --warning-bg: #3b2d10;
    --todo: #ffaaaa;
    --shadow: none;
  }
  .hero { background: linear-gradient(145deg, #062b25, #075f52); }
}

@media print {
  :root { color-scheme: light; }
  body { background: #fff; color: #111; font-size: 11pt; }
  .hero { padding: 28px 0; background: #fff; color: #111; border-bottom: 2px solid #111; }
  .lead, .effective, .eyebrow { color: #333; }
  .policy { margin-top: 0; }
  section, .notice { box-shadow: none; break-inside: avoid; }
  footer { background: #fff; color: #111; }
}