:root{--navy-950:#071b31;--navy-900:#0d223d;--navy-700:#1e4a6b;--emerald-700:#047857;--emerald-600:#059669;--emerald-100:#d1fae5;--slate-600:#475569;--slate-500:#64748b;--slate-300:#cbd5e1;--slate-200:#e2e8f0;--slate-100:#f1f5f9;--surface:#f5f8fb;--white:#fff;--focus:#f59e0b;--shadow-lg:0 28px 80px #071b3124;--shadow-sm:0 10px 30px #071b3114}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--white);color:var(--navy-900);margin:0;font-family:Pretendard,Noto Sans KR,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;font-size:16px;line-height:1.6;overflow-x:hidden}a{color:inherit;text-decoration:none}a:focus-visible,button:focus-visible,select:focus-visible,input:focus-visible{outline:3px solid var(--focus);outline-offset:3px}.skip-link{z-index:100;background:var(--white);box-shadow:var(--shadow-sm);border-radius:10px;padding:12px 18px;font-weight:800;transition:top .18s;position:fixed;top:-80px;left:16px}.skip-link:focus{top:16px}.site-shell{width:min(1180px,100% - 40px);margin-inline:auto}.policy-bar{background:var(--navy-950);color:#dbeafe;font-size:13px}.policy-bar__inner{justify-content:center;align-items:center;gap:10px;min-height:38px;display:flex}.policy-bar__inner p{margin:0}.policy-bar__label{color:#fff;border:1px solid #ffffff42;border-radius:999px;padding:2px 8px;font-weight:700}.policy-bar__inner a{color:#6ee7b7;text-underline-offset:3px;font-weight:700;text-decoration:underline}.site-header{z-index:50;-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);background:#fffffff0;border-bottom:1px solid #cbd5e1c2;position:sticky;top:0}.site-header__inner{align-items:center;gap:34px;min-height:76px;display:flex}.brand{flex-shrink:0;align-items:center;gap:12px;display:inline-flex}.brand__mark{background:var(--navy-900);color:#fff;border-radius:12px;place-items:center;width:40px;height:40px;font-size:19px;font-weight:900;display:grid;box-shadow:inset -8px -8px 18px #10b98140}.brand strong,.brand small{display:block}.brand strong{letter-spacing:-.025em;font-size:16px}.brand small{color:var(--slate-500);margin-top:-2px;font-size:11px;font-weight:600}.desktop-nav{color:var(--slate-600);justify-content:center;align-items:center;gap:28px;margin-left:auto;font-size:14px;font-weight:650;display:flex}.desktop-nav a{padding-block:25px;transition:color .18s;position:relative}.desktop-nav a:after{content:"";background:var(--emerald-600);height:2px;transition:transform .18s;position:absolute;bottom:17px;left:0;right:0;transform:scaleX(0)}.desktop-nav a:hover{color:var(--navy-900)}.desktop-nav a:hover:after{transform:scaleX(1)}.button{cursor:pointer;border:1px solid #0000;border-radius:12px;justify-content:center;align-items:center;gap:10px;min-height:44px;font-weight:750;line-height:1.3;transition:transform .18s,box-shadow .18s,background .18s,border-color .18s;display:inline-flex}.button:hover{transform:translateY(-2px)}.button--primary{background:var(--emerald-700);color:#fff;box-shadow:0 12px 24px #04785733}.button--primary:hover{background:#036c4f;box-shadow:0 15px 30px #04785745}.button--secondary{border-color:var(--slate-300);color:var(--navy-900);background:#fff}.button--secondary:hover{border-color:var(--navy-700);box-shadow:var(--shadow-sm)}.button--header{padding:12px 18px;font-size:14px}.button--large{min-height:54px;padding:15px 24px}.hero{isolation:isolate;background:linear-gradient(115deg,#f5f8fbfa 0%,#fffffffa 54%,#ecfdf59e 100%);padding:82px 0 74px;position:relative;overflow:hidden}.hero:before{content:"";z-index:-2;opacity:.34;background-image:linear-gradient(#0d223d0d 1px,#0000 1px),linear-gradient(90deg,#0d223d0d 1px,#0000 1px);background-size:36px 36px;position:absolute;inset:0;-webkit-mask-image:linear-gradient(90deg,#000,#0000 74%);mask-image:linear-gradient(90deg,#000,#0000 74%)}.hero__glow{z-index:-1;filter:blur(12px);background:#10b98121;border-radius:50%;width:440px;height:440px;position:absolute;top:-140px;right:-120px}.hero__grid{grid-template-columns:minmax(0,1.05fr) minmax(420px,.95fr);align-items:center;gap:64px;display:grid}.eyebrow{width:fit-content;color:var(--emerald-700);background:#ecfdf5c7;border:1px solid #a7f3d0;border-radius:999px;align-items:center;gap:9px;margin-bottom:22px;padding:8px 13px;font-size:13px;font-weight:800;display:inline-flex}.eyebrow__dot{background:var(--emerald-600);border-radius:50%;width:7px;height:7px;box-shadow:0 0 0 4px #10b98121}.hero h1{max-width:660px;color:var(--navy-950);letter-spacing:-.045em;margin:0;font-size:clamp(36px,4.4vw,56px);line-height:1.22}.hero h1 span{color:var(--emerald-700);display:block}.hero__lead{max-width:610px;color:var(--slate-600);word-break:keep-all;margin:24px 0 0;font-size:18px;line-height:1.75}.hero__actions{flex-wrap:wrap;gap:12px;margin-top:32px;display:flex}.hero__checks{color:var(--slate-600);flex-wrap:wrap;gap:12px 20px;margin:25px 0 0;padding:0;font-size:13px;font-weight:650;list-style:none;display:flex}.hero__checks li{align-items:center;gap:7px;display:flex}.hero__checks span{background:var(--emerald-100);width:18px;height:18px;color:var(--emerald-700);border-radius:50%;place-items:center;font-size:11px;display:grid}.hero-card{box-shadow:var(--shadow-lg);background:#fffffff0;border:1px solid #cbd5e1cc;border-radius:24px;padding:28px;position:relative}.hero-card:before{content:"";z-index:-1;filter:blur(7px);background:#0d223d14;border-radius:0 0 20px 20px;width:calc(100% - 54px);height:18px;position:absolute;bottom:-18px;left:27px}.hero-card__top{border-bottom:1px solid var(--slate-200);justify-content:space-between;align-items:flex-start;gap:16px;padding-bottom:20px;display:flex}.hero-card__kicker{color:var(--emerald-700);letter-spacing:.12em;font-size:11px;font-weight:850}.hero-card h2{color:var(--navy-950);letter-spacing:-.03em;margin:3px 0 0;font-size:22px}.hero-card__status{background:var(--slate-100);color:var(--slate-600);white-space:nowrap;border-radius:7px;padding:6px 9px;font-size:11px;font-weight:700}.hero-card__steps{margin:0;padding:7px 0 0;list-style:none}.hero-card__steps li{border-bottom:1px solid var(--slate-100);grid-template-columns:38px 1fr auto;align-items:center;gap:14px;padding:17px 0;display:grid}.step-number{background:var(--navy-900);color:#fff;border-radius:10px;place-items:center;width:36px;height:36px;font-size:11px;font-weight:800;display:grid}.hero-card__steps strong{color:var(--navy-900);font-size:15px;display:block}.hero-card__steps p{color:var(--slate-500);margin:2px 0 0;font-size:12px}.step-chip{border:1px solid var(--slate-200);color:var(--slate-600);border-radius:999px;padding:5px 9px;font-size:11px;font-weight:700}.hero-card__notice{background:#f8fafc;border-radius:11px;align-items:flex-start;gap:10px;margin-top:18px;padding:13px 14px;display:flex}.notice-icon{border:1px solid var(--slate-300);width:20px;height:20px;color:var(--slate-600);border-radius:50%;flex:none;place-items:center;font-size:12px;font-weight:800;display:grid}.hero-card__notice p{color:var(--slate-600);margin:0;font-size:12px;line-height:1.6}.trust-strip{border-block:1px solid var(--slate-200);background:#fff}.trust-strip__grid{grid-template-columns:repeat(3,1fr);display:grid}.trust-strip__grid>div{border-right:1px solid var(--slate-200);align-items:center;gap:15px;padding:25px 30px;display:flex}.trust-strip__grid>div:first-child{padding-left:0}.trust-strip__grid>div:last-child{border-right:0;padding-right:0}.trust-strip__number{color:var(--emerald-600);font-size:12px;font-weight:900}.trust-strip p,.trust-strip strong,.trust-strip p span{margin:0;display:block}.trust-strip strong{font-size:14px}.trust-strip p span{color:var(--slate-500);font-size:12px}.preview-anchor{background:var(--surface);min-height:180px;color:var(--slate-500);text-align:center;place-items:center;display:grid}@media (max-width:1040px){.desktop-nav{display:none}.button--header{margin-left:auto}.hero{padding-top:64px}.hero__grid{grid-template-columns:1fr;gap:48px}.hero__copy{max-width:760px}.hero-card{width:min(100%,720px)}}@media (max-width:720px){.site-shell{width:min(100% - 28px,1180px)}.policy-bar__inner{justify-content:flex-start;min-height:44px;overflow:hidden}.policy-bar__inner p{text-overflow:ellipsis;white-space:nowrap;max-width:62vw;overflow:hidden}.policy-bar__inner a{display:none}.site-header__inner{min-height:68px}.brand__mark{border-radius:10px;width:36px;height:36px}.brand strong{font-size:14px}.brand small{font-size:10px}.button--header{min-height:42px;padding:10px 13px;font-size:12px}.button--header span{display:none}.hero{padding:48px 0 62px}.hero h1{font-size:clamp(33px,9.7vw,44px);line-height:1.25}.hero h1 span{display:inline}.hero__lead{font-size:16px}.hero__actions{grid-template-columns:1fr;display:grid}.button--large{width:100%}.hero__checks{grid-template-columns:1fr;gap:9px;display:grid}.hero-card{border-radius:19px;padding:21px 18px}.hero-card__top{display:block}.hero-card__status{margin-top:10px;display:inline-block}.hero-card__steps li{grid-template-columns:36px 1fr}.step-chip{display:none}.trust-strip__grid{grid-template-columns:1fr}.trust-strip__grid>div,.trust-strip__grid>div:first-child,.trust-strip__grid>div:last-child{border-right:0;border-bottom:1px solid var(--slate-200);padding:18px 0}.trust-strip__grid>div:last-child{border-bottom:0}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}.sr-only{clip:rect(0, 0, 0, 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}section[id]{scroll-margin-top:112px}.section{padding:104px 0}.section--soft{background:var(--surface)}.section-heading{max-width:760px;margin-bottom:44px}.section-heading--center{text-align:center;margin-inline:auto}.section-heading--side{margin-bottom:0}.section-kicker{color:var(--emerald-700);letter-spacing:.13em;margin-bottom:10px;font-size:12px;font-weight:850;display:inline-block}.section-kicker--light{color:#6ee7b7}.section-heading h2,.checklist-intro h2,.final-cta h2{color:var(--navy-950);letter-spacing:-.04em;word-break:keep-all;margin:0;font-size:clamp(30px,3.5vw,43px);line-height:1.28}.section-heading p,.checklist-intro>p{color:var(--slate-600);word-break:keep-all;margin:17px 0 0;font-size:17px;line-height:1.75}.section--quick{background:var(--navy-900);padding:74px 0}.quick-grid{grid-template-columns:.72fr 1.28fr;align-items:center;gap:64px;display:grid}.section--quick .section-heading h2{color:#fff;font-size:clamp(28px,3vw,38px)}.section--quick .section-heading p{color:#cbd5e1;font-size:15px}.quick-form{background:#ffffff14;border:1px solid #ffffff24;border-radius:20px;padding:26px}.form-grid{gap:14px;display:grid}.form-grid--three{grid-template-columns:repeat(3,1fr)}.form-grid--two{grid-template-columns:repeat(2,1fr)}.field{min-width:0;display:block}.field>span,.field>label{margin-bottom:8px;font-size:13px;font-style:normal;font-weight:750;display:block}.section--quick .field>span{color:#e2e8f0}.field select,.field input{border:1px solid var(--slate-300);width:100%;min-height:50px;color:var(--navy-900);font:inherit;background:#fff;border-radius:10px;padding:0 14px;font-size:16px}.field input::placeholder{color:#94a3b8}.field select[aria-invalid=true],.field input[aria-invalid=true]{border-color:#dc2626}.quick-submit{width:100%;margin-top:15px}.form-error{color:#b91c1c;background:#fef2f2;border-radius:8px;margin:13px 0 0;padding:10px 12px;font-size:13px;font-weight:700}.quick-result{background:#fff;border:1px solid #6ee7b7;border-radius:13px;margin-top:16px;padding:18px}.quick-result>div:first-child{justify-content:space-between;align-items:center;gap:12px;display:flex}.result-label{background:var(--emerald-100);color:var(--emerald-700);border-radius:6px;padding:4px 8px;font-size:11px;font-weight:800}.quick-result strong{font-size:14px}.quick-result p{color:var(--slate-600);margin:12px 0;font-size:13px}.result-actions{flex-wrap:wrap;gap:8px 16px;display:flex}.result-actions a{color:var(--emerald-700);text-underline-offset:3px;font-size:13px;font-weight:750;text-decoration:underline}.payment-grid{grid-template-columns:repeat(5,1fr);gap:14px;display:grid}.info-card{border:1px solid var(--slate-200);background:#fff;border-radius:17px}.payment-card{min-height:285px;padding:25px 22px;transition:transform .18s,box-shadow .18s,border-color .18s;position:relative;overflow:hidden}.payment-card:hover{box-shadow:var(--shadow-sm);border-color:#a7f3d0;transform:translateY(-5px)}.card-number{color:var(--emerald-600);letter-spacing:.08em;margin-bottom:31px;font-size:12px;font-weight:900}.payment-card h3{letter-spacing:-.025em;margin:0;font-size:20px}.payment-card p{color:var(--slate-600);margin:12px 0 20px;font-size:14px;line-height:1.7}.card-tag{background:var(--slate-100);color:var(--slate-600);border-radius:999px;padding:5px 9px;font-size:11px;font-weight:700;position:absolute;bottom:22px;left:22px}.example-box{border-left:4px solid var(--emerald-600);background:#ecfdf5;border-radius:0 13px 13px 0;align-items:center;gap:22px;margin-top:25px;padding:22px 25px;display:flex}.example-box__label{color:var(--emerald-700);flex:none;font-size:13px;font-weight:850}.example-box p{color:var(--slate-600);margin:0;font-size:14px}.example-box strong{color:var(--navy-900)}.gift-grid{grid-template-columns:repeat(4,1fr);gap:18px;display:grid}.gift-card{border:1px solid var(--slate-200);background:#fff;border-radius:19px;padding:20px;box-shadow:0 8px 26px #071b310a}.gift-card__visual{background:linear-gradient(135deg, var(--navy-900), #174866);border-radius:13px;height:126px;margin-bottom:20px;padding:17px;position:relative;overflow:hidden}.gift-card__visual:after{content:"";border:20px solid #10b9813b;border-radius:50%;width:120px;height:120px;position:absolute;top:-44px;right:-34px}.gift-card__visual>span{color:#6ee7b7;font-size:11px;font-weight:850}.gift-card__visual>div{background:#ffffffb3;border-radius:999px;width:54%;height:7px;margin-top:19px}.gift-card__visual>div:last-child{background:#ffffff45;width:36%;margin-top:8px}.gift-card__category{color:var(--emerald-700);font-size:11px;font-weight:800}.gift-card h3{margin:4px 0 0;font-size:21px}.gift-card>p{min-height:94px;color:var(--slate-600);margin:10px 0 16px;font-size:14px;line-height:1.7}.gift-card ul{flex-wrap:wrap;gap:6px;margin:0 0 19px;padding:0;list-style:none;display:flex}.gift-card li{background:var(--slate-100);color:var(--slate-600);border-radius:6px;padding:4px 7px;font-size:11px}.gift-card li span{color:var(--emerald-700);margin-right:4px}.gift-card>a{border-top:1px solid var(--slate-200);color:var(--navy-900);justify-content:space-between;align-items:center;padding-top:16px;font-size:13px;font-weight:800;display:flex}.gift-card>a span{color:var(--emerald-600)}.policy-tabs{grid-template-columns:repeat(2,1fr);gap:16px;margin-bottom:22px;display:grid}.policy-summary{border:1px solid var(--slate-200);background:#fff;border-radius:16px;align-items:flex-start;gap:18px;padding:24px;display:flex}.policy-summary--accent{background:#f0fdf8;border-color:#a7f3d0}.policy-summary__number{background:var(--navy-900);color:#fff;border-radius:10px;flex:none;place-items:center;width:40px;height:40px;font-weight:850;display:grid}.policy-summary--accent .policy-summary__number{background:var(--emerald-700)}.policy-summary h3{margin:0;font-size:18px}.policy-summary p{color:var(--slate-600);margin:6px 0 0;font-size:14px}.table-card{border:1px solid var(--slate-200);box-shadow:var(--shadow-sm);background:#fff;border-radius:19px;padding:27px}.table-card__head{justify-content:space-between;align-items:center;gap:20px;margin-bottom:18px;display:flex}.table-card__head h3{margin:0;font-size:22px}.verification-badge{color:#9a3412;white-space:nowrap;background:#fff7ed;border-radius:8px;padding:7px 10px;font-size:12px;font-weight:800}.table-scroll-guide{color:var(--slate-500);font-size:12px;display:none}.table-scroll{border:1px solid var(--slate-200);border-radius:12px;max-width:100%;overflow-x:auto}table{border-collapse:collapse;text-align:left;width:100%;font-size:13px}th,td{border-bottom:1px solid var(--slate-200);vertical-align:middle;padding:15px 17px}thead th{background:var(--slate-100);color:var(--slate-600);white-space:nowrap;font-size:12px}tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}tbody tr:hover{background:#f8fafc}td a{color:var(--emerald-700);white-space:nowrap;font-weight:750}.status{white-space:nowrap;align-items:center;gap:5px;display:inline-flex}.status:before{content:"";border-radius:50%;width:7px;height:7px}.status--check{color:#9a3412}.status--check:before{background:#f59e0b}.actual-policy{background:var(--navy-900);color:#fff;border-radius:18px;grid-template-columns:1.15fr .95fr auto;align-items:center;gap:30px;margin-top:22px;padding:29px;display:grid}.actual-policy h3{margin:0;font-size:23px}.actual-policy p{color:#cbd5e1;margin:8px 0 0;font-size:14px}.actual-policy dl{margin:0}.actual-policy dl div{border-bottom:1px solid #ffffff1f;grid-template-columns:120px 1fr;gap:12px;padding:8px 0;font-size:12px;display:grid}.actual-policy dl div:last-child{border-bottom:0}.actual-policy dt{color:#94a3b8}.actual-policy dd{color:#e2e8f0;margin:0;font-weight:650}.section--calculator{background:var(--navy-950);color:#fff}.calculator-grid{grid-template-columns:.68fr 1.32fr;align-items:start;gap:62px;display:grid}.section--calculator .section-heading{position:sticky;top:124px}.section--calculator .section-heading h2{color:#fff}.section--calculator .section-heading p{color:#cbd5e1}.calculator-points{margin:27px 0 0;padding:0;list-style:none}.calculator-points li{color:#cbd5e1;gap:9px;margin-top:10px;font-size:13px;display:flex}.calculator-points span{color:#6ee7b7}.calculator-card{color:var(--navy-900);background:#fff;border:1px solid #ffffff29;border-radius:22px;padding:29px;box-shadow:0 25px 60px #0000003d}.calculator-card .field>span{color:var(--navy-900)}.input-suffix{position:relative}.input-suffix input{padding-right:48px}.input-suffix em{color:var(--slate-500);font-size:13px;font-style:normal;position:absolute;top:50%;right:15px;transform:translateY(-50%)}.field-help{color:var(--slate-500);margin-top:6px;font-size:11px;display:block}.fee-options{border:0;margin:20px 0 0;padding:0}.fee-options legend{margin-bottom:9px;font-size:13px;font-weight:750}.fee-options>div{grid-template-columns:repeat(3,1fr);gap:9px;display:grid}.fee-options label{cursor:pointer;position:relative}.fee-options input{opacity:0;position:absolute;inset:0}.fee-options label>span{border:1px solid var(--slate-300);border-radius:10px;flex-direction:column;justify-content:center;min-height:72px;padding:12px;transition:border-color .18s,background .18s;display:flex}.fee-options input:checked+span{border-color:var(--emerald-600);box-shadow:inset 0 0 0 1px var(--emerald-600);background:#ecfdf5}.fee-options input:focus-visible+span{outline:3px solid var(--focus);outline-offset:2px}.fee-options strong{font-size:13px}.fee-options small{color:var(--slate-500);font-size:10px}.conditional-fields{margin-top:16px}.calculator-actions{gap:9px;margin-top:20px;display:flex}.calculator-actions .button{flex:1}.button--ghost{border-color:var(--slate-300);color:var(--slate-600);background:0 0}.calculator-result{border-top:1px solid var(--slate-200);margin-top:27px;padding-top:26px}.result-summary{grid-template-columns:repeat(3,1fr);gap:10px;display:grid}.result-summary>div{background:var(--slate-100);border-radius:11px;padding:15px}.result-summary span,.result-summary strong{display:block}.result-summary span{color:var(--slate-500);font-size:11px}.result-summary strong{margin-top:3px;font-size:17px}.result-summary__total{background:#ecfdf5!important}.result-summary__total strong{color:var(--emerald-700)}.calc-notice{color:#9a3412;background:#fff7ed;border-left:3px solid #f59e0b;margin:13px 0;padding:10px 12px;font-size:12px}.calculator-table{max-height:360px}.calculator-table table{min-width:660px}.calculator-table caption{color:var(--slate-600);text-align:left;padding:11px;font-weight:750}.result-disclaimer{color:var(--slate-500);margin:15px 0;font-size:11px}.result-consult{width:100%}.process-list{grid-template-columns:repeat(6,1fr);gap:0;margin:56px 0 0;padding:0;list-style:none;display:grid}.process-list li{padding-right:26px;position:relative}.process-list__number{width:48px;height:48px;color:var(--emerald-700);background:#ecfdf5;border:1px solid #a7f3d0;border-radius:14px;place-items:center;font-size:12px;font-weight:900;display:grid}.process-list h3{margin:20px 0 8px;font-size:16px;line-height:1.4}.process-list p{color:var(--slate-600);margin:0;font-size:13px;line-height:1.7}.process-list__line{background:var(--slate-300);height:1px;position:absolute;top:24px;left:58px;right:10px}.checklist-grid{grid-template-columns:.72fr 1.28fr;align-items:center;gap:70px;display:grid}.checklist-intro .button{margin-top:25px;padding:13px 18px}.checklist-card{border:1px solid var(--slate-200);box-shadow:var(--shadow-sm);background:#fff;border-radius:20px;grid-template-columns:repeat(2,1fr);gap:10px;margin:0;padding:20px;list-style:none;display:grid}.checklist-card li{background:var(--slate-100);border-radius:12px;align-items:center;gap:13px;min-height:84px;padding:15px;display:flex}.check-box{width:27px;height:27px;color:var(--emerald-700);background:#ecfdf5;border:1px solid #6ee7b7;border-radius:8px;flex:none;place-items:center;font-size:12px;font-weight:900;display:grid}.checklist-card small,.checklist-card strong{display:block}.checklist-card small{color:var(--emerald-700);font-size:9px;font-weight:850}.checklist-card strong{font-size:13px;line-height:1.45}.association-section{padding-top:90px}.principle-grid{grid-template-columns:repeat(4,1fr);gap:16px;display:grid}.principle-grid article{border-top:3px solid var(--navy-900);background:var(--surface);border-radius:5px 5px 15px 15px;padding:26px}.principle-grid article>span{color:var(--emerald-700);font-size:11px;font-weight:900}.principle-grid h3{margin:28px 0 9px;font-size:17px}.principle-grid p{color:var(--slate-600);margin:0;font-size:13px}.section--faq{background:var(--surface)}.faq-grid{grid-template-columns:.62fr 1.38fr;align-items:start;gap:75px;display:grid}.faq-heading{position:sticky;top:124px}.text-link{color:var(--emerald-700);gap:8px;margin-top:21px;font-size:14px;font-weight:800;display:inline-flex}.faq-list{border-top:1px solid var(--slate-300)}.faq-list details{border-bottom:1px solid var(--slate-300)}.faq-list summary{cursor:pointer;grid-template-columns:32px 1fr 24px;align-items:center;gap:13px;min-height:74px;padding:15px 4px;list-style:none;display:grid}.faq-list summary::-webkit-details-marker{display:none}.faq-number{color:var(--emerald-700);font-size:11px;font-weight:900}.faq-list summary strong{font-size:15px}.faq-toggle{width:20px;height:20px;position:relative}.faq-toggle:before,.faq-toggle:after{content:"";background:var(--slate-600);height:2px;transition:transform .18s;position:absolute;top:9px;left:4px;right:4px}.faq-toggle:after{transform:rotate(90deg)}.faq-list details[open] .faq-toggle:after{transform:rotate(0)}.faq-answer{padding:0 42px 22px 49px}.faq-answer p{color:var(--slate-600);margin:0;font-size:14px;line-height:1.75}.policy-notice{background:#fff7ed;padding:33px 0}.policy-notice__inner{align-items:flex-start;gap:16px;display:flex}.policy-notice h2{color:#9a3412;margin:0 0 5px;font-size:16px}.policy-notice p{color:#7c2d12;margin:0;font-size:13px}.notice-icon--light{color:#9a3412;border-color:#fdba74}.final-cta{isolation:isolate;background:var(--navy-900);color:#fff;text-align:center;padding:88px 0;position:relative;overflow:hidden}.final-cta__glow{z-index:-1;border:90px solid #10b9811f;border-radius:50%;width:500px;height:500px;position:absolute;top:50%;left:50%;transform:translate(-50%,-50%)}.final-cta h2{color:#fff}.final-cta p{color:#cbd5e1;max-width:660px;margin:18px auto 0;font-size:16px}.final-cta__actions{flex-wrap:wrap;justify-content:center;gap:10px;margin-top:30px;display:flex}.button--light{color:var(--navy-900);background:#fff}.button--light:hover{box-shadow:0 15px 30px #00000038}.button--outline-light{color:#fff;background:#ffffff12;border-color:#ffffff59}.button--outline-light:hover{background:#ffffff24}.site-footer{background:var(--navy-950);color:#cbd5e1;padding:60px 0 100px}.footer-grid{grid-template-columns:1.4fr .7fr 1fr;gap:70px;padding-bottom:44px;display:grid}.brand--footer strong{color:#fff}.brand--footer small{color:#94a3b8}.footer-grid>div:first-child>p{color:#94a3b8;max-width:420px;font-size:13px}.footer-grid h2{color:#fff;margin:0 0 14px;font-size:13px}.footer-grid>div:not(:first-child) a,.footer-grid>div:not(:first-child) p{color:#94a3b8;margin:9px 0;font-size:12px;display:block}.footer-grid a:hover{color:#6ee7b7!important}.footer-bottom{color:#64748b;border-top:1px solid #ffffff1f;justify-content:space-between;gap:20px;padding-top:24px;font-size:11px;display:flex}.footer-bottom p{margin:0}.menu-button{border:1px solid var(--slate-300);cursor:pointer;background:#fff;border-radius:10px;width:44px;height:44px;padding:11px;display:none}.menu-button span{background:var(--navy-900);border-radius:999px;height:2px;margin:4px 0;display:block}.mobile-menu{z-index:40;border-bottom:1px solid var(--slate-200);box-shadow:var(--shadow-lg);background:#fff;padding:10px 0 18px;position:absolute;top:100%;left:0;right:0}.mobile-menu .site-shell{display:grid}.mobile-menu a:not(.button){border-bottom:1px solid var(--slate-100);justify-content:space-between;align-items:center;min-height:48px;font-size:14px;font-weight:700;display:flex}.mobile-menu .button{margin-top:14px}.mobile-bottom-cta{display:none}.desktop-nav a[aria-current=page]{color:var(--navy-900)}.desktop-nav a[aria-current=page]:after{transform:scaleX(1)}.mobile-menu a[aria-current=page]{color:var(--emerald-700)}.section-more{justify-content:center;margin-top:34px;display:flex}.section-more a{min-height:44px;color:var(--emerald-700);text-underline-offset:5px;align-items:center;gap:8px;padding:10px 16px;font-size:14px;font-weight:800;-webkit-text-decoration:underline #a7f3d0;text-decoration:underline #a7f3d0;display:inline-flex}.section-more--light a{color:#a7f3d0;text-decoration-color:#a7f3d073}.calculator-grid>.section-more{grid-column:1/-1}.subpage-hero{isolation:isolate;background:linear-gradient(120deg, var(--surface), white 58%, #ecfdf5);padding:56px 0 72px;position:relative;overflow:hidden}.subpage-hero:before{content:"";z-index:-2;opacity:.28;background-image:linear-gradient(#0d223d0d 1px,#0000 1px),linear-gradient(90deg,#0d223d0d 1px,#0000 1px);background-size:36px 36px;position:absolute;inset:0;-webkit-mask-image:linear-gradient(90deg,#000,#0000 82%);mask-image:linear-gradient(90deg,#000,#0000 82%)}.subpage-hero__glow{z-index:-1;filter:blur(10px);background:#10b98121;border-radius:50%;width:360px;height:360px;position:absolute;top:-140px;right:-80px}.breadcrumbs{color:var(--slate-500);flex-wrap:wrap;align-items:center;gap:8px;margin-bottom:34px;font-size:13px;display:flex}.breadcrumbs a{color:var(--emerald-700);font-weight:750}.subpage-hero .section-kicker{margin-bottom:13px}.subpage-hero h1{max-width:860px;color:var(--navy-950);letter-spacing:-.045em;word-break:keep-all;margin:0;font-size:clamp(36px,5vw,54px);line-height:1.2}.subpage-hero__lead{max-width:790px;color:var(--slate-600);word-break:keep-all;margin:22px 0 0;font-size:18px;line-height:1.8}.subpage-keypoints{flex-wrap:wrap;gap:10px;margin:28px 0 0;padding:0;list-style:none;display:flex}.subpage-keypoints li{min-height:38px;color:var(--navy-900);background:#ffffffd1;border:1px solid #a7f3d0;border-radius:999px;align-items:center;gap:8px;padding:7px 12px;font-size:13px;font-weight:700;display:inline-flex}.subpage-keypoints li span{color:var(--emerald-700)}.guide-content{padding:86px 0}.guide-content__grid{gap:18px;display:grid}.guide-content-card{border:1px solid var(--slate-200);box-shadow:var(--shadow-sm);background:#fff;border-radius:20px;grid-template-columns:70px 1fr;gap:26px;padding:34px;display:grid}.guide-content-card__number{background:var(--navy-900);color:#fff;border-radius:14px;place-items:center;width:52px;height:52px;font-size:12px;font-weight:900;display:grid}.guide-content-card h2{color:var(--navy-950);letter-spacing:-.03em;margin:0;font-size:25px}.guide-content-card p{max-width:850px;color:var(--slate-600);margin:10px 0 0}.guide-content-card ul{grid-template-columns:repeat(2,minmax(0,1fr));gap:9px 24px;margin:20px 0 0;padding:0;list-style:none;display:grid}.guide-content-card li{color:var(--navy-900);align-items:flex-start;gap:9px;font-size:14px;display:flex}.guide-content-card li span{color:var(--emerald-700);font-weight:900}.guide-content-card .guide-note{border-left:3px solid var(--emerald-600);color:var(--navy-700);background:#ecfdf5;border-radius:0 10px 10px 0;padding:13px 15px;font-size:13px}.guide-special{padding:86px 0}.guide-special--soft{background:var(--surface)}.guide-special--calculator{background:var(--navy-900);color:#fff}.guide-section-heading{max-width:760px;margin-bottom:34px}.guide-section-heading h2{color:var(--navy-950);letter-spacing:-.04em;margin:8px 0 0;font-size:clamp(28px,4vw,40px);line-height:1.25}.guide-section-heading p{color:var(--slate-600);margin:13px 0 0;font-size:16px}.guide-special--calculator .guide-section-heading h2{color:#fff}.guide-special--calculator .guide-section-heading p{color:#cbd5e1}.calculator-card--page{width:min(100%,920px);padding:30px}.checklist-card--page{grid-template-columns:repeat(2,minmax(0,1fr))}.guide-faq-layout{grid-template-columns:.62fr 1.38fr;align-items:start;gap:70px;display:grid}.guide-faq-layout .guide-section-heading{position:sticky;top:120px}.guide-directory{grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;display:grid}.guide-directory article{border:1px solid var(--slate-200);background:#fff;border-radius:18px;padding:28px;position:relative}.guide-directory__number{color:#cbd5e1;font-size:12px;font-weight:900;position:absolute;top:22px;right:24px}.guide-directory small{color:var(--emerald-700);font-size:11px;font-weight:850}.guide-directory h3{color:var(--navy-950);margin:24px 0 9px;font-size:21px}.guide-directory p{min-height:70px;color:var(--slate-600);margin:0;font-size:14px}.guide-directory a{color:var(--emerald-700);gap:7px;margin-top:22px;font-size:14px;font-weight:800;display:inline-flex}.contact-channel-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;display:grid}.contact-channel-grid>a{border:1px solid var(--slate-200);min-height:240px;box-shadow:var(--shadow-sm);background:#fff;border-radius:20px;flex-direction:column;align-items:flex-start;padding:30px;transition:transform .18s,border-color .18s;display:flex}.contact-channel-grid>a:hover{border-color:#6ee7b7;transform:translateY(-3px)}.contact-channel-grid span{color:var(--emerald-700);background:#ecfdf5;border-radius:999px;padding:4px 9px;font-size:11px;font-weight:850}.contact-channel-grid h3{margin:25px 0 9px;font-size:24px}.contact-channel-grid p{color:var(--slate-600);margin:0}.contact-channel-grid strong{color:var(--emerald-700);margin-top:auto;padding-top:24px}.related-guides{padding:86px 0}.related-guides__grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;display:grid}.related-guides__grid>a{border:1px solid var(--slate-200);min-height:180px;box-shadow:var(--shadow-sm);background:#fff;border-radius:17px;flex-direction:column;padding:25px;transition:transform .18s,border-color .18s;display:flex}.related-guides__grid>a:hover{border-color:#6ee7b7;transform:translateY(-3px)}.related-guides__grid strong{color:var(--navy-950);font-size:18px}.related-guides__grid p{color:var(--slate-600);margin:8px 0 20px;font-size:13px}.related-guides__grid span{color:var(--emerald-700);margin-top:auto;font-size:13px;font-weight:800}.final-cta__safe-link{color:#a7f3d0;text-underline-offset:4px;margin-top:22px;font-size:13px;font-weight:750;text-decoration:underline;display:inline-block}.not-found-page{background:var(--surface);text-align:center;align-items:center;min-height:62vh;padding:90px 0;display:grid}.not-found-page h1{max-width:720px;color:var(--navy-950);letter-spacing:-.045em;margin:10px auto 0;font-size:clamp(34px,5vw,52px);line-height:1.2}.not-found-page p{max-width:650px;color:var(--slate-600);margin:20px auto 0}.not-found-page__actions{flex-wrap:wrap;justify-content:center;gap:10px;margin-top:30px;display:flex}@media (max-width:1100px){.payment-grid{grid-template-columns:repeat(3,1fr)}.gift-grid{grid-template-columns:repeat(2,1fr)}.gift-card>p{min-height:auto}.actual-policy{grid-template-columns:1fr 1fr}.actual-policy .button{grid-column:1/-1}.process-list{grid-template-columns:repeat(3,1fr);gap:38px 18px}.process-list__line{display:none}}@media (max-width:1040px){.desktop-consult{display:none}.menu-button{margin-left:auto;display:block}.quick-grid,.calculator-grid,.checklist-grid,.faq-grid{grid-template-columns:1fr;gap:40px}.section-heading--side,.section--calculator .section-heading,.faq-heading{max-width:760px;position:static}.principle-grid{grid-template-columns:repeat(2,1fr)}}@media (max-width:760px){body{padding-bottom:70px}.section{padding:74px 0}.section-heading{margin-bottom:31px}.section-heading h2,.checklist-intro h2,.final-cta h2{font-size:30px}.section-heading p,.checklist-intro>p{font-size:15px}.form-grid--three,.form-grid--two{grid-template-columns:1fr}.quick-form{padding:19px}.quick-result>div:first-child{flex-direction:column;align-items:flex-start}.payment-grid,.gift-grid,.policy-tabs,.principle-grid{grid-template-columns:1fr}.payment-card{min-height:235px}.example-box{flex-direction:column;align-items:flex-start;gap:8px}.table-card{padding:19px 15px}.table-card__head{flex-direction:column;align-items:flex-start}.table-scroll-guide{display:block}.table-card table{min-width:720px}.actual-policy{grid-template-columns:1fr;padding:22px}.actual-policy .button{grid-column:auto}.actual-policy dl div{grid-template-columns:105px 1fr}.calculator-card{padding:20px 16px}.fee-options>div,.result-summary{grid-template-columns:1fr}.calculator-actions{flex-direction:column}.process-list{grid-template-columns:1fr;gap:0}.process-list li{grid-template-columns:48px 1fr;gap:15px;min-height:116px;padding:0;display:grid}.process-list h3{margin:0 0 5px}.process-list__line{width:1px;height:auto;display:block;inset:53px auto 5px 24px}.checklist-card{grid-template-columns:1fr;padding:13px}.faq-answer{padding-left:45px;padding-right:12px}.final-cta{padding:74px 0}.final-cta h2 br{display:none}.final-cta__actions{grid-template-columns:1fr;display:grid}.footer-grid{grid-template-columns:1fr;gap:34px}.footer-bottom{flex-direction:column;align-items:flex-start}.mobile-bottom-cta{z-index:60;padding:8px max(10px, env(safe-area-inset-right)) calc(8px + env(safe-area-inset-bottom)) max(10px, env(safe-area-inset-left));border-top:1px solid var(--slate-200);background:#fffffff7;grid-template-columns:.8fr 1.2fr;gap:8px;display:grid;position:fixed;bottom:0;left:0;right:0;box-shadow:0 -10px 30px #071b311f}.mobile-bottom-cta a{border:1px solid var(--slate-300);min-height:48px;color:var(--navy-900);border-radius:10px;place-items:center;font-size:14px;font-weight:800;display:grid}.mobile-bottom-cta a:last-child{border-color:var(--emerald-700);background:var(--emerald-700);color:#fff}}@media (max-width:430px){.brand strong{font-size:13px}.brand small{font-size:9px}.hero h1{font-size:34px}.policy-bar__inner p{max-width:57vw}}@media (max-width:900px){.guide-faq-layout{grid-template-columns:1fr;gap:30px}.guide-faq-layout .guide-section-heading{position:static}.guide-directory,.related-guides__grid{grid-template-columns:1fr 1fr}}@media (max-width:760px){.subpage-hero{padding:38px 0 56px}.breadcrumbs{margin-bottom:26px}.subpage-hero h1{font-size:34px}.subpage-hero__lead{font-size:16px}.subpage-keypoints{grid-template-columns:1fr;display:grid}.subpage-keypoints li{border-radius:10px}.guide-content,.guide-special,.related-guides{padding:64px 0}.guide-content-card{grid-template-columns:1fr;gap:18px;padding:24px 20px}.guide-content-card__number{width:44px;height:44px}.guide-content-card h2{font-size:22px}.guide-content-card ul,.guide-directory,.related-guides__grid,.contact-channel-grid{grid-template-columns:1fr}.guide-directory p{min-height:auto}.checklist-card--page{grid-template-columns:1fr}.calculator-card--page{padding:20px 16px}.guide-section-heading{margin-bottom:26px}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}