/* ============================================================
   carinsurance.stofarm.com — 디자인 시스템 (전 페이지 공용)
   Pretendard(본문) + Noto Serif KR(제목) / 8pt 스케일
   ============================================================ */
:root{
  --primary:#1B4EE0; --primary-hover:#1640C4; --primary-soft:#EAF0FF;
  --navy:#12224A; --accent:#00C2A8; --accent-soft:#DFF7F2; --amber:#F2A33C; --amber-soft:#FDF1DF;
  --bg:#FFFFFF; --bg-soft:#F5F7FB; --ink:#12224A; --text:#3A4258; --muted:#667085;
  --border:#E4E9F2; --border-strong:#C9D4E8;
  --radius-lg:20px; --radius-md:14px; --radius-sm:10px;
  --shadow-sm:0 1px 2px rgba(18,34,74,.06),0 4px 12px rgba(18,34,74,.05);
  --shadow-md:0 6px 24px rgba(18,34,74,.08);
  --shadow-lg:0 20px 48px rgba(18,34,74,.12);
  --font-sans:'Pretendard Variable',Pretendard,-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,'Noto Sans KR',sans-serif;
  --font-serif:'Noto Serif KR',serif;
  --container:1180px; --radius-ratio:1;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}
}
body{margin:0;font-family:var(--font-sans);color:var(--text);background:var(--bg);line-height:1.7;font-size:16px;letter-spacing:-0.01em;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--primary);text-decoration:none;transition:color .2s ease}
a:hover{color:var(--primary-hover)}
h1,h2,h3,h4{color:var(--ink);font-family:var(--font-sans);font-weight:800;letter-spacing:-0.02em;line-height:1.35;margin:0 0 .6em}
.container{max-width:var(--container);margin:0 auto;padding:0 24px}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--primary);color:#fff;padding:12px 20px;border-radius:0 0 12px 0;z-index:200}
.skip-link:focus{left:0;color:#fff}
:focus-visible{outline:3px solid rgba(27,78,224,.45);outline-offset:2px;border-radius:4px}

/* ---------- 버튼 ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:700;font-size:15px;line-height:1;
  padding:16px 26px;border-radius:14px;border:1px solid transparent;cursor:pointer;transition:transform .18s ease,box-shadow .18s ease,background .18s ease,border-color .18s ease;min-height:48px}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--primary);color:#fff;box-shadow:0 8px 20px rgba(27,78,224,.28)}
.btn-primary:hover{background:var(--primary-hover);color:#fff;transform:translateY(-2px);box-shadow:0 12px 26px rgba(27,78,224,.34)}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--border-strong)}
.btn-ghost:hover{border-color:var(--primary);color:var(--primary);transform:translateY(-2px)}
.btn-light{background:#fff;color:var(--primary);box-shadow:var(--shadow-md)}
.btn-light:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg)}
.btn .arr{transition:transform .18s ease}
.btn:hover .arr{transform:translateX(3px)}

/* ---------- 헤더 ---------- */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.92);backdrop-filter:blur(14px);border-bottom:1px solid var(--border)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:72px}
.brand{display:inline-flex;align-items:center;gap:11px;font-weight:800;font-size:17px;color:var(--navy);letter-spacing:-0.02em}
.brand:hover{color:var(--navy)}
.brand-mark{width:40px;height:40px;border-radius:12px;background:linear-gradient(135deg,var(--primary),#2E6BFF);display:inline-flex;align-items:center;justify-content:center;color:#fff;flex:none;box-shadow:0 6px 14px rgba(27,78,224,.3)}
.brand-mark svg{width:22px;height:22px}
.brand .brand-sub{display:block;font-size:11px;font-weight:600;color:var(--muted);letter-spacing:0}
.main-nav{display:flex;align-items:center;gap:4px}
.main-nav a{color:var(--text);font-weight:600;font-size:14.5px;padding:10px 14px;border-radius:10px;transition:background .18s ease,color .18s ease}
.main-nav a:hover{color:var(--primary);background:var(--primary-soft)}
.nav-cta{margin-left:10px}
.nav-toggle{display:none;background:none;border:1px solid var(--border-strong);border-radius:12px;width:46px;height:46px;align-items:center;justify-content:center;cursor:pointer;color:var(--navy)}
.nav-toggle svg{width:22px;height:22px}

/* ---------- 히어로 ---------- */
.hero{position:relative;background:radial-gradient(1100px 480px at 85% -10%,#EAF0FF 0%,rgba(234,240,255,0) 55%),linear-gradient(180deg,#F7FAFF 0%,#FFFFFF 100%);overflow:hidden}
.hero-inner{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;padding:88px 0 96px}
.hero-copy{position:relative;z-index:2}
.hero-eyebrow{display:inline-flex;align-items:center;gap:8px;background:var(--accent-soft);color:#007E6E;font-size:13px;font-weight:700;padding:8px 14px;border-radius:999px;margin-bottom:24px}
.hero-eyebrow .dot{width:7px;height:7px;border-radius:50%;background:var(--accent)}
.hero h1{font-size:clamp(34px,4.6vw,54px);font-weight:800;line-height:1.22;letter-spacing:-0.03em;margin-bottom:22px;color:var(--navy)}
.hero h1 .hl{color:var(--primary)}
.hero-lead{font-size:clamp(16px,1.4vw,18.5px);color:var(--text);line-height:1.75;max-width:540px;margin-bottom:34px}
.hero-cta{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:38px}
.hero-trust{display:flex;flex-wrap:wrap;gap:10px}
.hero-trust span{display:inline-flex;align-items:center;gap:7px;font-size:13px;font-weight:600;color:var(--muted);background:#fff;border:1px solid var(--border);border-radius:999px;padding:8px 14px}
.hero-trust svg{width:15px;height:15px;color:var(--accent);flex:none}
.hero-visual{position:relative}
.hero-img{position:relative;border-radius:26px;overflow:hidden;box-shadow:var(--shadow-lg);transform:rotate(1.2deg)}
.hero-img img{width:100%;aspect-ratio:3/2;object-fit:cover}
.hero-img::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(18,34,74,0) 55%,rgba(18,34,74,.28) 100%)}
.hero-card{position:absolute;left:-18px;bottom:22px;background:#fff;border-radius:16px;box-shadow:var(--shadow-lg);padding:16px 20px;display:flex;align-items:center;gap:13px;max-width:290px}
.hero-card .ic{width:42px;height:42px;border-radius:12px;background:var(--primary-soft);color:var(--primary);display:inline-flex;align-items:center;justify-content:center;flex:none}
.hero-card .ic svg{width:22px;height:22px}
.hero-card b{display:block;color:var(--navy);font-size:14px;line-height:1.4}
.hero-card small{color:var(--muted);font-size:12px}

/* ---------- 섹션 공통 ---------- */
.section{padding:96px 0}
.section-tight{padding:64px 0}
.section-head{max-width:760px;margin:0 auto 52px;text-align:center}
.section-kicker{display:inline-block;font-size:13px;font-weight:800;color:var(--primary);letter-spacing:.06em;margin-bottom:14px}
.section-head h2{font-size:clamp(26px,3vw,36px);margin-bottom:14px}
.section-head p{color:var(--muted);font-size:16.5px;margin:0}
.bg-soft{background:var(--bg-soft)}

/* ---------- 카드 그리드 ---------- */
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.topic-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px 26px;display:flex;flex-direction:column;gap:12px;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
.topic-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:#C7D6F8}
.topic-card .tc-ic{width:48px;height:48px;border-radius:14px;display:inline-flex;align-items:center;justify-content:center;color:#fff;flex:none}
.topic-card .tc-ic svg{width:24px;height:24px}
.topic-card h3{font-size:17px;margin:0 0 4px}
.topic-card p{font-size:14px;color:var(--muted);margin:0;line-height:1.65;flex:1}
.topic-card .tc-more{font-weight:700;font-size:13.5px;display:inline-flex;align-items:center;gap:5px}
.topic-card .tc-more .arr{transition:transform .18s ease}
.topic-card:hover .tc-more .arr{transform:translateX(3px)}

/* ---------- 캐러셀 ---------- */
.carousel-wrap{position:relative}
.carousel{display:grid;grid-auto-flow:column;grid-auto-columns:calc((100% - 44px)/3);gap:22px;overflow-x:auto;scroll-snap-type:x mandatory;padding:4px 2px 18px;scrollbar-width:thin}
.carousel-item{scroll-snap-align:start;background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden;transition:transform .2s ease,box-shadow .2s ease}
.carousel-item:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.carousel-item .ci-img{position:relative;aspect-ratio:16/10;overflow:hidden}
.carousel-item .ci-img img{width:100%;height:100%;object-fit:cover;transition:transform .5s ease}
.carousel-item:hover .ci-img img{transform:scale(1.04)}
.carousel-item .ci-body{padding:20px 22px 22px}
.carousel-item .ci-cat{font-size:12px;font-weight:800;color:var(--primary);letter-spacing:.02em;margin-bottom:8px}
.carousel-item h3{font-size:16.5px;line-height:1.5;margin:0 0 10px}
.carousel-item p{font-size:13.5px;color:var(--muted);margin:0;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}

/* ---------- 스플릿 섹션 ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split-media img{border-radius:var(--radius-lg);box-shadow:var(--shadow-md);width:100%;aspect-ratio:3/2;object-fit:cover}
.split-copy h2{font-size:clamp(24px,2.6vw,32px);margin-bottom:16px}
.split-copy p{color:var(--text);font-size:15.5px;margin:0 0 16px}
.split-points{list-style:none;padding:0;margin:22px 0 28px;display:grid;gap:14px}
.split-points li{display:flex;gap:12px;align-items:flex-start}
.split-points .chk{width:24px;height:24px;border-radius:50%;background:var(--accent-soft);color:#007E6E;display:inline-flex;align-items:center;justify-content:center;flex:none;margin-top:2px}
.split-points .chk svg{width:14px;height:14px}
.split-points b{color:var(--navy);display:block;font-size:15px}
.split-points span{color:var(--muted);font-size:13.5px}

/* ---------- 최신글 ---------- */
.post-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden;display:flex;flex-direction:column;transition:transform .2s ease,box-shadow .2s ease}
.post-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.post-card .pc-img{aspect-ratio:16/9;overflow:hidden;position:relative}
.post-card .pc-img img{width:100%;height:100%;object-fit:cover;transition:transform .5s ease}
.post-card:hover .pc-img img{transform:scale(1.05)}
.post-card .pc-body{padding:20px 22px 24px;display:flex;flex-direction:column;gap:10px;flex:1}
.post-card h3{font-size:16px;line-height:1.5;margin:0}
.post-card h3 a{color:var(--ink)}
.post-card h3 a:hover{color:var(--primary)}
.post-card .pc-meta{font-size:12.5px;color:var(--muted)}
.post-card .pc-ex{font-size:13.5px;color:var(--muted);margin:0;line-height:1.65;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}

/* ---------- 재무 비교 툴 ---------- */
.finance-wrap{background:#fff;border:1px solid var(--border);border-radius:24px;box-shadow:var(--shadow-md);overflow:hidden}
.finance-toolbar{display:flex;flex-wrap:wrap;gap:18px;align-items:center;justify-content:space-between;padding:22px 26px;border-bottom:1px solid var(--border);background:linear-gradient(180deg,#FAFCFF,#FFFFFF)}
.finance-label{font-size:12.5px;font-weight:800;color:var(--muted);letter-spacing:.04em;margin-bottom:7px}
.co-check{display:flex;flex-wrap:wrap;gap:8px}
.co-check label{display:inline-flex;align-items:center;gap:7px;font-size:13.5px;font-weight:700;color:var(--navy);background:#fff;border:1px solid var(--border-strong);border-radius:999px;padding:9px 14px;cursor:pointer;transition:all .18s ease;min-height:40px}
.co-check input{width:17px;height:17px;accent-color:var(--primary);cursor:pointer}
.co-check label.on{background:var(--primary);border-color:var(--primary);color:#fff}
.year-tabs{display:flex;gap:6px;background:var(--bg-soft);border:1px solid var(--border);border-radius:12px;padding:4px}
.year-tabs button{appearance:none;border:0;background:transparent;font-family:inherit;font-size:13.5px;font-weight:700;color:var(--muted);padding:9px 16px;border-radius:9px;cursor:pointer;min-height:40px;transition:all .18s ease}
.year-tabs button.on{background:#fff;color:var(--primary);box-shadow:var(--shadow-sm)}
.metric-tabs{display:flex;gap:6px;flex-wrap:wrap}
.metric-tabs button{appearance:none;border:1px solid var(--border);background:#fff;font-family:inherit;font-size:13px;font-weight:700;color:var(--muted);padding:9px 14px;border-radius:10px;cursor:pointer;min-height:40px;transition:all .18s ease}
.metric-tabs button.on{background:var(--primary-soft);border-color:var(--primary);color:var(--primary)}
.finance-body{padding:26px}
.finance-status{display:none;align-items:center;gap:10px;font-size:14px;color:var(--muted);padding:14px 16px;background:var(--bg-soft);border-radius:12px;margin-bottom:18px}
.finance-status.show{display:flex}
.finance-status .spinner{width:18px;height:18px;border:2.5px solid var(--border-strong);border-top-color:var(--primary);border-radius:50%;animation:spin .8s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.finance-status.error{color:#B42318;background:#FEF3F2}
.fin-table-scroll{overflow-x:auto;border:1px solid var(--border);border-radius:14px}
table.fin-table{width:100%;border-collapse:collapse;font-size:14px;min-width:720px}
.fin-table th,.fin-table td{padding:13px 16px;text-align:right;white-space:nowrap}
.fin-table th:first-child,.fin-table td:first-child{text-align:left}
.fin-table thead th{background:var(--bg-soft);color:var(--navy);font-weight:800;font-size:13px;border-bottom:1px solid var(--border);cursor:pointer;user-select:none}
.fin-table thead th .sort{opacity:.45;font-size:11px;margin-left:3px}
.fin-table thead th.sorted-asc .sort{opacity:1;color:var(--primary)}
.fin-table thead th.sorted-desc .sort{opacity:1;color:var(--primary)}
.fin-table tbody tr{border-bottom:1px solid var(--border)}
.fin-table tbody tr:last-child{border-bottom:0}
.fin-table tbody tr:hover{background:#FAFCFF}
.fin-table .co-cell{display:flex;align-items:center;gap:10px}
.fin-table .co-badge{width:30px;height:30px;border-radius:9px;background:var(--primary-soft);color:var(--primary);font-size:12px;font-weight:800;display:inline-flex;align-items:center;justify-content:center;flex:none}
.fin-table td.num{font-variant-numeric:tabular-nums;font-weight:700;color:var(--navy)}
.fin-chart{margin-top:22px;display:grid;gap:12px}
.fin-chart .fc-row{display:grid;grid-template-columns:132px 1fr 96px;gap:12px;align-items:center}
.fin-chart .fc-name{font-size:13px;font-weight:700;color:var(--navy);text-align:right;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.fin-chart .fc-track{height:22px;background:var(--bg-soft);border-radius:8px;overflow:hidden}
.fin-chart .fc-bar{height:100%;border-radius:8px;background:linear-gradient(90deg,var(--primary),#4D7DFF);min-width:3px;transition:width .5s cubic-bezier(.22,.61,.36,1)}
.fin-chart .fc-bar.alt{background:linear-gradient(90deg,#00A78F,var(--accent))}
.fin-chart .fc-val{font-size:13px;font-weight:800;color:var(--navy);font-variant-numeric:tabular-nums}
.finance-source{font-size:12.5px;color:var(--muted);margin-top:18px;display:flex;gap:8px;align-items:flex-start;line-height:1.6}
.finance-source svg{width:15px;height:15px;flex:none;margin-top:3px;color:var(--muted)}

/* ---------- CTA 배너 ---------- */
.cta-banner{position:relative;overflow:hidden;border-radius:26px;background:linear-gradient(120deg,var(--navy),#1B3A8C);color:#fff;padding:64px 56px;display:flex;align-items:center;justify-content:space-between;gap:36px;flex-wrap:wrap}
.cta-banner::before{content:"";position:absolute;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(0,194,168,.35),transparent 70%);top:-160px;right:-80px}
.cta-banner h2{color:#fff;font-size:clamp(24px,2.6vw,32px);margin-bottom:12px;position:relative}
.cta-banner p{color:#C9D6F5;margin:0 0 22px;position:relative;max-width:560px}
.cta-banner .btn{position:relative}

/* ---------- 푸터 ---------- */
.site-footer{background:var(--navy);color:#C9D2E5;padding:72px 0 0;margin-top:0}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:44px;padding-bottom:52px}
.footer-brand .brand{color:#fff;margin-bottom:16px}
.footer-brand p{font-size:14px;line-height:1.7;margin:0 0 18px;color:#A9B6D4}
.footer h4{color:#fff;font-size:15px;margin-bottom:18px}
.footer-links{list-style:none;padding:0;margin:0;display:grid;gap:11px}
.footer-links a{color:#A9B6D4;font-size:14px}
.footer-links a:hover{color:#fff}
.footer-legal{background:rgba(255,255,255,.045);border-top:1px solid rgba(255,255,255,.09);padding:28px 0 34px}
.legal-notice-box{max-width:var(--container);margin:0 auto;padding:0 24px;font-size:12.5px;color:#93A1C4;line-height:1.8}
.legal-notice-box p{margin:0 0 6px}
.legal-notice-box .ai-flag{margin-top:12px;display:inline-flex;align-items:center;gap:8px;background:rgba(0,194,168,.12);color:#7FE4D4;border:1px solid rgba(0,194,168,.3);border-radius:999px;padding:6px 14px;font-size:12px;font-weight:600}
.footer-bottom{max-width:var(--container);margin:0 auto;padding:18px 24px 0;display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;align-items:center;font-size:12.5px;color:#7E8DB3}

/* ---------- 스크롤 등장 ---------- */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .55s ease,transform .55s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none}}

/* ---------- 글/페이지 본문 ---------- */
.site-main{min-height:60vh}
.page-hero{background:linear-gradient(180deg,#F4F8FF,#fff);padding:64px 0 40px;border-bottom:1px solid var(--border)}
.page-hero h1{font-size:clamp(26px,3.2vw,38px);margin:0 0 12px}
.page-hero .breadcrumb{font-size:13px;color:var(--muted);margin-bottom:14px}
.page-hero .breadcrumb a{color:var(--muted)}
.page-hero .breadcrumb a:hover{color:var(--primary)}
.single-layout{display:grid;grid-template-columns:1fr 320px;gap:48px;padding:56px 0 88px;align-items:start}
.post-article{max-width:820px}
.post-article .article-body{font-size:16.5px;line-height:1.85;color:var(--text)}
.post-article .article-body p{margin:0 0 1.35em}
.post-article .article-body h2{font-size:clamp(21px,2.2vw,26px);margin:2.2em 0 .8em;padding-top:8px}
.post-article .article-body h3{font-size:18.5px;margin:1.8em 0 .7em}
.post-article .article-body ul,.post-article .article-body ol{margin:0 0 1.5em;padding-left:1.4em}
.post-article .article-body li{margin-bottom:.55em}
.post-article .article-body a{text-decoration:underline;text-underline-offset:3px}
.post-article .article-body img{border-radius:16px;box-shadow:var(--shadow-sm)}
.post-article .article-body figure{margin:2em 0}
.post-article .article-body figcaption{font-size:13px;color:var(--muted);text-align:center;margin-top:10px}
.table-scroll{overflow-x:auto;margin:1.6em 0;border:1px solid var(--border);border-radius:14px;background:#fff}
.table-scroll table{width:100%;border-collapse:collapse;font-size:14.5px;min-width:560px}
.table-scroll th,.table-scroll td{padding:12px 16px;border-bottom:1px solid var(--border);text-align:left;vertical-align:top}
.table-scroll th{background:var(--bg-soft);color:var(--navy);font-weight:800;font-size:13.5px;white-space:nowrap}
.table-scroll tr:last-child td{border-bottom:0}
.table-scroll tbody tr:hover{background:#FAFCFF}
.callout{background:var(--primary-soft);border-left:4px solid var(--primary);border-radius:0 14px 14px 0;padding:18px 22px;margin:1.8em 0;font-size:15.5px;color:var(--navy)}
.callout p{margin:0}
.css-chart{background:var(--bg-soft);border:1px solid var(--border);border-radius:16px;padding:22px;margin:1.8em 0}
.css-chart .chart-title{font-weight:800;color:var(--navy);font-size:14.5px;margin-bottom:18px}
.css-chart .chart-step{display:flex;gap:14px;align-items:flex-start;margin-bottom:14px}
.css-chart .chart-step:last-child{margin-bottom:0}
.css-chart .step-badge{width:28px;height:28px;border-radius:50%;background:var(--primary);color:#fff;font-size:13px;font-weight:800;display:inline-flex;align-items:center;justify-content:center;flex:none;margin-top:2px}
.css-chart .chart-step strong{display:block;color:var(--navy);font-size:14.5px}
.css-chart .chart-step small{color:var(--muted);font-size:12.5px}
.bar-row{display:grid;grid-template-columns:76px 1fr 108px;gap:12px;align-items:center;margin-bottom:12px}
.bar-row:last-child{margin-bottom:0}
.bar-label{font-size:12.5px;font-weight:700;color:var(--navy);text-align:right}
.bar-track{height:18px;background:#fff;border:1px solid var(--border);border-radius:9px;overflow:hidden}
.bar-fill{height:100%;border-radius:9px;background:linear-gradient(90deg,var(--primary),#4D7DFF)}
.bar-val{font-size:12px;color:var(--muted)}
.source-note{font-size:12.5px;color:var(--muted);margin-top:10px}
.legal-notice{margin-top:2em}
.ai-notice{margin-top:2em}
.article-hero-img{border-radius:20px;overflow:hidden;box-shadow:var(--shadow-md);margin:0 0 34px}
.article-hero-img img{width:100%;aspect-ratio:16/8;object-fit:cover}
.post-meta{display:flex;flex-wrap:wrap;gap:10px;font-size:13px;color:var(--muted);margin-bottom:26px}
.post-meta span{display:inline-flex;align-items:center;gap:6px}
.post-nav{display:flex;justify-content:space-between;gap:14px;margin-top:48px;padding-top:28px;border-top:1px solid var(--border)}
.post-nav a{font-size:14px;font-weight:700}
.related-posts{margin-top:56px;background:var(--bg-soft);border-radius:20px;padding:34px}
.related-posts h2{font-size:21px;margin-bottom:22px}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.related-item{background:#fff;border:1px solid var(--border);border-radius:14px;overflow:hidden;transition:transform .2s ease,box-shadow .2s ease}
.related-item:hover{transform:translateY(-3px);box-shadow:var(--shadow-md)}
.related-item img{width:100%;aspect-ratio:16/9;object-fit:cover}
.related-item .ri-body{padding:14px 16px}
.related-item .ri-body b{font-size:14px;color:var(--navy);line-height:1.5;display:block}
.toc-side{position:sticky;top:96px;background:#fff;border:1px solid var(--border);border-radius:16px;padding:22px 20px;box-shadow:var(--shadow-sm)}
.toc-side h4{font-size:14px;margin-bottom:14px;letter-spacing:.02em}
.toc-side ol{list-style:none;padding:0;margin:0;display:grid;gap:4px;counter-reset:toc}
.toc-side li{counter-increment:toc}
.toc-side a{display:flex;gap:9px;font-size:13.5px;color:var(--muted);padding:7px 10px;border-radius:9px;line-height:1.5}
.toc-side a:hover{background:var(--primary-soft);color:var(--primary)}
.toc-side a::before{content:counter(toc,decimal-leading-zero);font-size:11px;font-weight:800;color:var(--primary);margin-top:2px}
#ez-toc-container{background:#fff;border:1px solid var(--border)!important;border-radius:16px;box-shadow:var(--shadow-sm);padding:18px 20px!important;margin:0 0 2em!important}
#ez-toc-container .ez-toc-title{font-weight:800;color:var(--navy)!important}
#ez-toc-container ul li a{color:var(--text)!important}
#ez-toc-container ul li a:hover{color:var(--primary)!important}

/* ---------- 페이지 컴포넌트 ---------- */
.page-content{max-width:820px;margin:0 auto;padding:64px 24px 96px;font-size:16.5px;line-height:1.85}
.page-content h2{font-size:24px;margin:2em 0 .8em}
.page-content h3{font-size:19px;margin:1.8em 0 .7em}
.page-content ul,.page-content ol{padding-left:1.4em}
.page-content li{margin-bottom:.55em}
.page-content .table-scroll table{min-width:480px}
.archive-list{max-width:1000px;margin:0 auto;padding:56px 24px 96px}
.archive-list h1{font-size:clamp(26px,3vw,34px)}
.archive-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:36px}
.pagination{display:flex;gap:10px;justify-content:center;margin-top:44px}
.pagination .page-numbers{display:inline-flex;align-items:center;justify-content:center;min-width:44px;height:44px;border:1px solid var(--border);border-radius:12px;font-weight:700;font-size:14px;color:var(--text)}
.pagination .page-numbers.current{background:var(--primary);color:#fff;border-color:var(--primary)}

/* ---------- 반응형 ---------- */
@media (max-width:1080px){
  .card-grid{grid-template-columns:repeat(2,1fr)}
  .carousel{grid-auto-columns:calc((100% - 22px)/2)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .single-layout{grid-template-columns:1fr;gap:0}
  .toc-side{display:none}
}
@media (max-width:860px){
  .hero-inner{grid-template-columns:1fr;gap:40px;padding:64px 0 72px}
  .hero-visual{order:2}
  .hero-card{left:8px}
  .split{grid-template-columns:1fr;gap:36px}
  .main-nav{position:fixed;inset:0;background:#fff;flex-direction:column;justify-content:center;gap:8px;padding:24px;z-index:150;display:none}
  .main-nav.open{display:flex}
  .main-nav a{font-size:18px;padding:14px 20px}
  .main-nav .nav-cta{margin-left:0;margin-top:12px}
  .nav-toggle{display:inline-flex}
  .section{padding:72px 0}
  .cta-banner{padding:48px 28px}
  .finance-toolbar{flex-direction:column;align-items:stretch}
  .related-grid{grid-template-columns:1fr}
}
@media (max-width:640px){
  .card-grid{grid-template-columns:1fr}
  .carousel{grid-auto-columns:88%}
  .footer-grid{grid-template-columns:1fr;gap:34px}
  .hero h1{font-size:32px}
  .fin-chart .fc-row{grid-template-columns:92px 1fr 74px;gap:8px}
  .fin-table th,.fin-table td{padding:11px 12px;font-size:13px}
  .btn{width:100%;padding:16px 20px}
  .hero-cta .btn{width:auto;flex:1;min-width:150px}
  .post-article .article-body{font-size:16px}
}