:root {
  --brand: #4D71F7;
  --text: #1A1C1E;
  --muted: #74777F;
  --line: #E1E2E9;
  --bg: #FFFFFF;
  --bg-soft: #F1F3F9;
}

* { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: "Pretendard", -apple-system, BlinkMacSystemFont, "Apple SD Gothic Neo",
    "Malgun Gothic", "Segoe UI", Roboto, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.7;
  word-break: keep-all;
}

header.site {
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: saturate(180%) blur(8px);
  z-index: 10;
}

header.site .inner {
  max-width: 820px;
  margin: 0 auto;
  padding: 16px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.brand {
  font-weight: 800;
  font-size: 18px;
  color: var(--brand);
  text-decoration: none;
  letter-spacing: -0.3px;
}

nav a {
  color: var(--muted);
  text-decoration: none;
  font-size: 14px;
  font-weight: 600;
  margin-left: 16px;
}

nav a:hover, nav a.active { color: var(--brand); }

main {
  max-width: 820px;
  margin: 0 auto;
  padding: 40px 20px 80px;
}

h1 {
  font-size: 28px;
  font-weight: 800;
  letter-spacing: -0.5px;
  margin: 0 0 8px;
}

.effective {
  color: var(--muted);
  font-size: 14px;
  font-weight: 600;
  margin: 0 0 32px;
}

h2 {
  font-size: 20px;
  font-weight: 800;
  margin: 40px 0 12px;
  letter-spacing: -0.3px;
}

h3 {
  font-size: 16px;
  font-weight: 700;
  margin: 24px 0 8px;
}

p, li { font-size: 15.5px; color: #2b2d31; }

ul, ol { padding-left: 22px; }

li { margin: 4px 0; }

a { color: var(--brand); }

table {
  width: 100%;
  border-collapse: collapse;
  margin: 16px 0;
  font-size: 14.5px;
}

th, td {
  border: 1px solid var(--line);
  padding: 10px 12px;
  text-align: left;
  vertical-align: top;
}

th { background: var(--bg-soft); font-weight: 700; }

hr { border: none; border-top: 1px solid var(--line); margin: 40px 0; }

.lead {
  background: var(--bg-soft);
  border-radius: 12px;
  padding: 16px 18px;
  color: #2b2d31;
  font-size: 15px;
}

footer.site {
  border-top: 1px solid var(--line);
  color: var(--muted);
  font-size: 13px;
  text-align: center;
  padding: 28px 20px 48px;
}

.cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 28px;
}

.card {
  display: block;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 24px;
  text-decoration: none;
  color: var(--text);
  transition: border-color .15s, transform .15s;
}

.card:hover { border-color: var(--brand); transform: translateY(-2px); }

.card .t { font-weight: 800; font-size: 18px; margin-bottom: 6px; }
.card .d { color: var(--muted); font-size: 14px; }

@media (max-width: 600px) {
  .cards { grid-template-columns: 1fr; }
  h1 { font-size: 24px; }
}