:root {
  color-scheme: light;
  --ink: #0f172a;
  --muted: #526178;
  --line: #dbe4f0;
  --surface: #ffffff;
  --soft: #f5f8fc;
  --blue: #1769e0;
  --blue-soft: #eaf3ff;
  --green: #14866d;
  --shadow: 0 22px 60px rgba(30, 57, 91, 0.1);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: linear-gradient(180deg, #f4f8ff 0, #ffffff 430px);
  color: var(--ink);
  font-family: Pretendard, "Noto Sans KR", "Apple SD Gothic Neo", system-ui, sans-serif;
  word-break: keep-all;
}

a {
  color: inherit;
}

.shell {
  width: min(1040px, calc(100% - 40px));
  margin: 0 auto;
}

.site-header {
  border-bottom: 1px solid rgba(15, 23, 42, 0.08);
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: blur(18px);
}

.site-header .shell {
  display: flex;
  min-height: 72px;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.brand {
  display: inline-flex;
  align-items: center;
  text-decoration: none;
}

.brand img {
  width: 112px;
  height: auto;
}

.back-link {
  color: #35506f;
  text-decoration: none;
  font-size: 14px;
  font-weight: 800;
}

.hero {
  padding: 76px 0 34px;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  min-height: 34px;
  padding: 0 13px;
  border-radius: 999px;
  background: var(--blue-soft);
  color: var(--blue);
  font-size: 13px;
  font-weight: 900;
}

h1 {
  max-width: 780px;
  margin: 22px 0 16px;
  font-size: clamp(34px, 5vw, 56px);
  line-height: 1.13;
  letter-spacing: -0.055em;
}

.hero-copy {
  max-width: 780px;
  margin: 0;
  color: var(--muted);
  font-size: 18px;
  line-height: 1.75;
}

.effective-date {
  margin: 20px 0 0;
  color: #68778c;
  font-size: 14px;
  font-weight: 750;
}

.summary-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
  margin: 30px 0 42px;
}

.summary-card {
  min-height: 132px;
  padding: 22px;
  border: 1px solid rgba(44, 77, 117, 0.12);
  border-radius: 20px;
  background: rgba(255, 255, 255, 0.92);
  box-shadow: 0 14px 34px rgba(40, 68, 105, 0.07);
}

.summary-card small {
  display: block;
  margin-bottom: 16px;
  color: #6b7b91;
  font-size: 13px;
  font-weight: 800;
}

.summary-card strong {
  display: block;
  color: #13233b;
  font-size: 18px;
  line-height: 1.45;
  letter-spacing: -0.03em;
}

.policy-layout {
  display: grid;
  grid-template-columns: 220px minmax(0, 1fr);
  align-items: start;
  gap: 28px;
  padding-bottom: 80px;
}

.policy-nav {
  position: sticky;
  top: 24px;
  display: grid;
  gap: 4px;
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.92);
}

.policy-nav a {
  padding: 10px 12px;
  border-radius: 10px;
  color: #526178;
  text-decoration: none;
  font-size: 13px;
  line-height: 1.35;
  font-weight: 800;
}

.policy-nav a:hover,
.policy-nav a:focus-visible {
  background: var(--soft);
  color: var(--blue);
}

.policy-document {
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 24px;
  background: var(--surface);
  box-shadow: var(--shadow);
}

.policy-section {
  padding: 34px 38px;
  scroll-margin-top: 24px;
}

.policy-section + .policy-section {
  border-top: 1px solid #e6edf5;
}

.policy-section h2 {
  margin: 0 0 18px;
  font-size: 22px;
  line-height: 1.35;
  letter-spacing: -0.035em;
}

.policy-section h3 {
  margin: 24px 0 10px;
  font-size: 16px;
  line-height: 1.45;
}

.policy-section p,
.policy-section li,
.policy-table th,
.policy-table td {
  color: #46566c;
  font-size: 15px;
  line-height: 1.78;
}

.policy-section p {
  margin: 10px 0 0;
}

.policy-section ol,
.policy-section ul {
  margin: 10px 0 0;
  padding-left: 22px;
}

.policy-table-wrap {
  margin-top: 18px;
  overflow-x: auto;
  border: 1px solid var(--line);
  border-radius: 16px;
}

.policy-table {
  width: 100%;
  min-width: 620px;
  border-collapse: collapse;
}

.policy-table th,
.policy-table td {
  padding: 14px 16px;
  border-right: 1px solid #e6edf5;
  border-bottom: 1px solid #e6edf5;
  text-align: left;
  vertical-align: top;
}

.policy-table th {
  background: var(--soft);
  color: #30435c;
  font-weight: 850;
}

.policy-table tr:last-child td,
.policy-table tr:last-child th {
  border-bottom: 0;
}

.policy-table th:last-child,
.policy-table td:last-child {
  border-right: 0;
}

.notice {
  margin-top: 18px;
  padding: 18px 20px;
  border-left: 4px solid var(--green);
  border-radius: 4px 14px 14px 4px;
  background: #f1fbf7;
  color: #245e50;
  font-size: 14px;
  line-height: 1.75;
  font-weight: 750;
}

.contact-card {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin-top: 18px;
}

.contact-card a {
  display: flex;
  min-height: 58px;
  align-items: center;
  justify-content: center;
  padding: 12px 16px;
  border: 1px solid #cdd9e8;
  border-radius: 14px;
  background: #ffffff;
  color: #173e70;
  text-decoration: none;
  font-size: 14px;
  font-weight: 900;
}

.footer {
  padding: 38px 0;
  background: #070b12;
  color: rgba(255, 255, 255, 0.66);
  font-size: 13px;
  line-height: 1.7;
}

.footer img {
  width: 112px;
  margin-bottom: 12px;
}

.footer p {
  margin: 7px 0 0;
}

.footer a {
  color: rgba(255, 255, 255, 0.86);
  font-weight: 800;
}

.footer-policy-links {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 16px;
}

@media (max-width: 860px) {
  .summary-grid {
    grid-template-columns: 1fr;
  }

  .policy-layout {
    grid-template-columns: 1fr;
  }

  .policy-nav {
    position: static;
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 560px) {
  .shell {
    width: min(100% - 28px, 1040px);
  }

  .site-header .shell {
    min-height: 62px;
  }

  .hero {
    padding-top: 48px;
  }

  .hero-copy {
    font-size: 16px;
  }

  .policy-nav,
  .contact-card {
    grid-template-columns: 1fr;
  }

  .policy-section {
    padding: 28px 22px;
  }
}