:root{
  --navy:#1B3F7A; --ink:#12264A; --canvas:#FFFFFF; --soft:#F0F4FA; --gray:#FAFAFA;
  --hair:#CCCCCC; --hair-soft:#D0D7E2; --text:#222; --text2:#333; --muted:#666; --muted2:#888;
  --up:#1E7A45; --down:#B23A48; --teal:#0E7C7B; --amber:#B8860B; --gold:#FFD666;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{font-family:'Malgun Gothic','맑은 고딕','Pretendard','Apple SD Gothic Neo',sans-serif;
  color:var(--text);background:var(--canvas);line-height:1.6}
a{color:var(--navy)}
/* 헤더 */
.site-header{background:var(--ink);color:#fff;display:flex;align-items:center;gap:18px;
  padding:12px 22px;flex-wrap:wrap}
.site-header .brand{font-size:18px;font-weight:bold;letter-spacing:1.5px;color:#fff;text-decoration:none}
.site-header nav{display:flex;gap:4px;margin-left:auto;flex-wrap:wrap}
.site-header nav a{color:#C9D6EB;text-decoration:none;font-size:13.5px;padding:6px 12px;border-radius:6px;transition:background 150ms ease,color 150ms ease}
.site-header nav a:hover{background:rgba(255,255,255,.1);color:#fff}
.site-header nav a.on{background:var(--navy);color:#fff;font-weight:bold}
/* 푸터 */
.site-footer{background:var(--ink);color:#C9D6EB;font-size:12px;padding:14px 22px;line-height:1.7}
.site-footer a{color:var(--gold);font-weight:bold;text-decoration:none}
.site-footer .fine{color:#8A93A5;margin-top:4px}
/* 공통 */
.wrap{max-width:980px;margin:0 auto;padding:0 22px}
.btn{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;font-weight:bold;
  padding:12px 26px;border-radius:8px;font-size:15px;transition:background 150ms ease}
.btn:hover{background:var(--ink)}
.btn.ghost{background:#fff;color:var(--navy);border:1.5px solid var(--navy)}
.btn.ghost:hover{background:var(--soft)}
h1,h2,h3{color:var(--navy);line-height:1.25;letter-spacing:-0.02em}
.kpi-strip{display:flex;gap:14px;flex-wrap:wrap;margin:26px 0}
.kpi{flex:1;min-width:150px;background:var(--soft);border:1px solid var(--hair-soft);border-radius:10px;padding:14px 18px}
.kpi .v{font-size:26px;font-weight:bold;color:var(--navy);font-variant-numeric:tabular-nums}
.kpi .l{font-size:12px;color:var(--muted)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:10px 0 40px}
.card{border:1px solid var(--hair-soft);border-radius:12px;padding:22px;background:#fff;
  text-decoration:none;color:var(--text);transition:border-color 150ms ease,background 150ms ease;display:block}
.card:hover{border-color:var(--navy);background:var(--gray)}
.card h3{margin:0 0 8px;font-size:17px}
.card p{margin:0;font-size:13.5px;color:var(--muted)}
.card .go{display:block;margin-top:12px;font-size:13px;font-weight:bold;color:var(--navy)}
.notice{background:var(--gray);border:1px solid var(--hair-soft);border-radius:10px;
  padding:14px 18px;font-size:12.5px;color:var(--muted);margin:30px 0}
@media (max-width:640px){.site-header{padding:10px 14px}.wrap{padding:0 16px}}