:root{
  --navy-900:#0B1B36;
  --navy-800:#12294E;
  --navy-700:#1B3A6B;
  --navy-600:#24508F;
  --navy-500:#2F63AE;
  --navy-050:#EEF3FA;
  --navy-025:#F7FAFD;
  --line:#DCE4EF;
  --line-soft:#E9EEF6;
  --ink:#16202E;
  --ink-2:#465569;
  --ink-3:#7C8AA0;
  --white:#FFFFFF;
  --gold:#B08427;
  --gold-bg:#FBF6EA;
  --danger:#B3261E;
  --danger-bg:#FDF3F2;
  --ok:#1B6B4A;
  --radius:14px;
  --shadow-sm:0 1px 2px rgba(11,27,54,.06), 0 1px 3px rgba(11,27,54,.04);
  --shadow-md:0 4px 16px rgba(11,27,54,.07), 0 1px 3px rgba(11,27,54,.05);
  --shadow-lg:0 12px 40px rgba(11,27,54,.10);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:'Noto Sans KR',-apple-system,BlinkMacSystemFont,'Malgun Gothic',sans-serif;
  color:var(--ink);
  background:var(--navy-025);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
/* ---------- 상단 바 ---------- */
.topbar{
  background:var(--navy-900);
  color:rgba(255,255,255,.72);
  font-size:12.5px;
  letter-spacing:.2px;
}
.topbar .inner{
  max-width:920px;margin:0 auto;padding:9px 24px;
  display:flex;justify-content:space-between;align-items:center;gap:12px;
}
.topbar .brand{display:flex;align-items:center;gap:8px;color:#fff;font-weight:500}
.topbar .brand .mark{
  width:18px;height:18px;border-radius:4px;
  background:linear-gradient(135deg,var(--navy-500),#5B8FD6);
  display:grid;place-items:center;font-size:10px;font-weight:900;color:#fff;
}
.topbar .secure{display:flex;align-items:center;gap:6px}
.topbar .secure svg{width:13px;height:13px;fill:none;stroke:#7FC8A9;stroke-width:2}
/* ---------- 헤더 ---------- */
.hero{
  background:linear-gradient(168deg,var(--navy-800) 0%,var(--navy-700) 55%,var(--navy-600) 100%);
  color:#fff;position:relative;overflow:hidden;
}
.hero::after{
  content:"";position:absolute;right:-120px;top:-140px;
  width:420px;height:420px;border-radius:50%;
  background:radial-gradient(circle,rgba(255,255,255,.09),transparent 68%);
}
.hero .inner{max-width:920px;margin:0 auto;padding:52px 24px 58px;position:relative;z-index:1}
.hero .eyebrow{
  display:inline-block;font-size:12px;font-weight:500;letter-spacing:1.4px;
  padding:5px 11px;border:1px solid rgba(255,255,255,.28);border-radius:100px;
  color:rgba(255,255,255,.88);margin-bottom:18px;
}
.hero h1{font-size:32px;font-weight:700;line-height:1.35;letter-spacing:-.6px;margin-bottom:14px}
.hero h1 .thin{font-weight:300;color:rgba(255,255,255,.82)}
.hero p{font-size:15px;color:rgba(255,255,255,.78);font-weight:300;max-width:600px}
.hero .meta{
  margin-top:26px;display:flex;flex-wrap:wrap;gap:10px;
}
.hero .chip{
  font-size:12.5px;padding:7px 13px;border-radius:8px;
  background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.14);
  color:rgba(255,255,255,.92);display:flex;align-items:center;gap:7px;
}
.hero .chip b{font-weight:500}
/* ---------- 진행 단계 ---------- */
.steps{
  background:#fff;border-bottom:1px solid var(--line);
  position:sticky;top:0;z-index:20;box-shadow:var(--shadow-sm);
}
.steps .inner{
  max-width:920px;margin:0 auto;padding:0 24px;
  display:flex;align-items:stretch;
}
.step{
  flex:1;display:flex;align-items:center;gap:10px;
  padding:15px 4px;font-size:13.5px;color:var(--ink-3);
  border-bottom:2px solid transparent;
}
.step.active{color:var(--navy-700);font-weight:500;border-bottom-color:var(--navy-600)}
.step .num{
  width:22px;height:22px;border-radius:50%;flex:none;
  display:grid;place-items:center;font-size:11.5px;font-weight:700;
  background:var(--navy-050);color:var(--navy-600);
}
.step.active .num{background:var(--navy-700);color:#fff}
/* ---------- 본문 ---------- */
main{max-width:920px;margin:0 auto;padding:32px 24px 80px}

.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow-sm);margin-bottom:20px;overflow:hidden;
}
.card-head{
  padding:22px 26px 18px;border-bottom:1px solid var(--line-soft);
  display:flex;align-items:flex-start;gap:13px;
}
.card-head .idx{
  width:26px;height:26px;border-radius:7px;flex:none;margin-top:2px;
  background:var(--navy-700);color:#fff;
  display:grid;place-items:center;font-size:13px;font-weight:700;
}
.card-head h2{font-size:17.5px;font-weight:700;letter-spacing:-.3px;margin-bottom:3px}
.card-head p{font-size:13.5px;color:var(--ink-3);font-weight:300}
.card-body{padding:24px 26px 26px}
/* ---------- 폼 ---------- */
.field{margin-bottom:20px}
.field:last-child{margin-bottom:0}
.field label{
  display:flex;align-items:center;gap:6px;
  font-size:13.5px;font-weight:500;margin-bottom:8px;color:var(--ink);
}
.req{color:var(--danger);font-size:13px}
.hint{font-size:12.5px;color:var(--ink-3);font-weight:300;margin-left:2px}
.field input,.field select,.field textarea{
  width:100%;padding:12px 14px;font-size:14.5px;font-family:inherit;color:var(--ink);
  border:1px solid var(--line);border-radius:9px;background:#fff;
  transition:border-color .15s, box-shadow .15s;
}
.field input::placeholder,.field textarea::placeholder{color:#AEB9C9;font-weight:300}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--navy-500);
  box-shadow:0 0 0 3px rgba(47,99,174,.13);
}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.badge-corp{
  font-size:10.5px;font-weight:700;padding:2px 7px;border-radius:5px;
  background:#EAF3EE;color:var(--ok);letter-spacing:.2px;
}
.corp-only{display:none}
.corp-only.on{display:block}
.labor-only{display:none}
.labor-only.on{display:block}
.sub-note{
  font-size:12px;color:var(--navy-600);font-weight:300;line-height:1.6;
  background:var(--navy-050);border-radius:8px;padding:10px 13px;margin-top:-4px;
}
.mini-note{
  font-size:12px;color:var(--ink-3);font-weight:300;margin-top:18px;
  padding-top:14px;border-top:1px dashed var(--line);
}
/* 양식 다운로드 카드 */
.tpl{
  display:flex;align-items:center;gap:15px;flex-wrap:wrap;
  background:var(--navy-050);border:1px solid #CFDCEE;border-radius:12px;
  padding:18px 20px;margin-bottom:22px;
}
.tpl .ic{
  width:42px;height:42px;flex:none;border-radius:10px;background:#fff;
  border:1px solid var(--line);display:grid;place-items:center;box-shadow:var(--shadow-sm);
}
.tpl .ic svg{width:20px;height:20px;stroke:var(--navy-600);stroke-width:1.8;fill:none}
.tpl .tx{flex:1;min-width:200px}
.tpl h4{font-size:14.5px;font-weight:700;color:var(--navy-800);margin-bottom:3px}
.tpl p{font-size:12.5px;color:var(--ink-2);font-weight:300;line-height:1.55}
.tpl button{
  flex:none;padding:11px 20px;font-size:13.5px;font-weight:700;font-family:inherit;
  background:var(--navy-700);color:#fff;border:none;border-radius:9px;cursor:pointer;
  transition:background .15s;
}
.tpl button:hover{background:var(--navy-800)}
.tpl .done{background:var(--ok)}
/* 개인/법인 토글 */
.segment{display:flex;gap:10px}
.segment label{
  flex:1;margin:0;cursor:pointer;
  border:1px solid var(--line);border-radius:10px;padding:14px 16px;
  display:flex;align-items:center;gap:10px;transition:all .15s;background:#fff;
}
.segment label:hover{border-color:var(--navy-500);background:var(--navy-025)}
.segment input{display:none}
.segment .dot{
  width:16px;height:16px;border-radius:50%;border:1.5px solid #C3CDDC;flex:none;
  display:grid;place-items:center;transition:all .15s;
}
.segment input:checked + .dot{border-color:var(--navy-600);border-width:5px}
.segment input:checked ~ .txt{color:var(--navy-700);font-weight:700}
.segment label:has(input:checked){border-color:var(--navy-600);background:var(--navy-050);box-shadow:0 0 0 2px rgba(47,99,174,.10)}
.segment .txt{font-size:14px;font-weight:500}
.segment .sub{display:block;font-size:11.5px;color:var(--ink-3);font-weight:300;margin-top:1px}
/* ---------- 강조 안내 배너 ---------- */
.notice-strong{
  background:var(--gold-bg);border:1px solid #E8D9AE;border-left:4px solid var(--gold);
  border-radius:10px;padding:16px 18px;display:flex;gap:12px;margin-bottom:22px;
}
.notice-strong .ico{
  width:20px;height:20px;flex:none;margin-top:1px;border-radius:50%;
  background:var(--gold);color:#fff;display:grid;place-items:center;
  font-size:12px;font-weight:900;
}
.notice-strong h4{font-size:14px;font-weight:700;color:#6B4E10;margin-bottom:4px}
.notice-strong p{font-size:13px;color:#7A5C18;line-height:1.6;font-weight:300}
.notice-strong p b{font-weight:700;color:#5C4109}
/* ---------- 체크리스트 ---------- */
.group{margin-bottom:26px}
.group:last-child{margin-bottom:0}
.group-title{
  display:flex;align-items:center;gap:9px;margin-bottom:12px;
  padding-bottom:9px;border-bottom:1px solid var(--line-soft);
}
.group-title h3{font-size:14px;font-weight:700;letter-spacing:-.2px}
.tag{
  font-size:10.5px;font-weight:700;padding:3px 8px;border-radius:5px;letter-spacing:.3px;
}
.tag.must{background:#FDECEA;color:var(--danger)}
.tag.opt{background:var(--navy-050);color:var(--navy-600)}
.tag.corp{background:#EAF3EE;color:var(--ok)}
.group-title .cnt{margin-left:auto;font-size:12px;color:var(--ink-3);font-weight:300}

.check-grid{display:grid;grid-template-columns:1fr 1fr;gap:9px}
.check{
  display:flex;align-items:flex-start;gap:11px;cursor:pointer;
  border:1px solid var(--line);border-radius:10px;padding:13px 14px;
  background:#fff;transition:all .14s;position:relative;
}
.check:hover{border-color:var(--navy-500);background:var(--navy-025)}
.check input{display:none}
.check .box{
  width:18px;height:18px;flex:none;border-radius:5px;margin-top:1px;
  border:1.5px solid #C3CDDC;background:#fff;
  display:grid;place-items:center;transition:all .14s;
}
.check .box svg{width:11px;height:11px;stroke:#fff;stroke-width:3.2;fill:none;opacity:0}
.check input:checked + .box{background:var(--navy-600);border-color:var(--navy-600)}
.check input:checked + .box svg{opacity:1}
.check:has(input:checked){border-color:var(--navy-600);background:var(--navy-050)}
.check .t{display:block;font-size:13.5px;font-weight:500;line-height:1.45}
.check .d{display:block;font-size:11.5px;color:var(--ink-3);font-weight:300;margin-top:2px;line-height:1.45}
.check .d a{color:var(--navy-600);text-decoration:none;border-bottom:1px solid rgba(47,99,174,.3)}
.check .d a:hover{border-bottom-color:var(--navy-600)}
.check .badge{
  display:inline-block;font-size:10px;font-weight:700;padding:2px 6px;border-radius:4px;
  background:#EAF3EE;color:var(--ok);margin-left:5px;vertical-align:1px;
}
.check .badge.sec{background:var(--danger-bg);color:var(--danger)}
/* ---------- 업로드 ---------- */
.dropzone{
  border:2px dashed #C6D2E3;border-radius:14px;background:var(--navy-025);
  padding:44px 24px;text-align:center;cursor:pointer;transition:all .18s;
}
.dropzone:hover,.dropzone.over{border-color:var(--navy-500);background:var(--navy-050)}
.dropzone .ico{
  width:52px;height:52px;margin:0 auto 14px;border-radius:14px;
  background:#fff;border:1px solid var(--line);box-shadow:var(--shadow-sm);
  display:grid;place-items:center;
}
.dropzone .ico svg{width:24px;height:24px;stroke:var(--navy-600);stroke-width:1.8;fill:none}
.dropzone h4{font-size:15px;font-weight:700;margin-bottom:5px}
.dropzone p{font-size:13px;color:var(--ink-3);font-weight:300}
.dropzone .btn-pick{
  display:inline-block;margin-top:16px;padding:9px 20px;font-size:13.5px;font-weight:500;
  background:#fff;border:1px solid var(--navy-600);color:var(--navy-700);border-radius:8px;
}
.filemeta{
  display:flex;flex-wrap:wrap;gap:14px;justify-content:center;
  margin-top:18px;font-size:11.5px;color:var(--ink-3);font-weight:300;
}
.filemeta span{display:flex;align-items:center;gap:5px}
.filelist{margin-top:16px;display:none}
.filelist.show{display:block}
.fileitem{
  display:flex;align-items:center;gap:12px;padding:11px 14px;
  border:1px solid var(--line);border-radius:9px;margin-bottom:8px;background:#fff;
}
.fileitem .fi{
  width:32px;height:32px;border-radius:7px;flex:none;background:var(--navy-050);
  display:grid;place-items:center;font-size:10px;font-weight:700;color:var(--navy-600);
}
.fileitem .fn{font-size:13.5px;font-weight:500;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.fileitem .fs{font-size:11.5px;color:var(--ink-3);font-weight:300}
.fileitem .del{
  margin-left:auto;flex:none;width:26px;height:26px;border-radius:6px;border:none;
  background:transparent;color:var(--ink-3);cursor:pointer;font-size:16px;line-height:1;
}
.fileitem .del:hover{background:#FDECEA;color:var(--danger)}
.file-summary{
  display:flex;justify-content:space-between;align-items:center;
  font-size:13px;margin-bottom:10px;color:var(--ink-2);
}
.file-summary b{color:var(--navy-700)}
/* ---------- 보안 안내 ---------- */
.sec-note{
  background:var(--danger-bg);border:1px solid #F2D6D3;border-radius:10px;
  padding:15px 17px;margin-top:20px;
}
.sec-note h4{
  font-size:13.5px;font-weight:700;color:var(--danger);margin-bottom:6px;
  display:flex;align-items:center;gap:7px;
}
.sec-note ul{margin:0;padding-left:17px}
.sec-note li{font-size:12.5px;color:#8C3B34;font-weight:300;line-height:1.7}
.inline-dl{
  font-family:inherit;font-size:11.5px;font-weight:500;padding:2px 9px;margin-left:4px;
  background:#fff;border:1px solid #E0BBB7;color:var(--danger);border-radius:6px;cursor:pointer;
}
.inline-dl:hover{background:#fff5f4}
/* ---------- 동의 ---------- */
.agree{
  display:flex;align-items:flex-start;gap:11px;cursor:pointer;
  padding:15px 17px;border:1px solid var(--line);border-radius:10px;background:var(--navy-025);
}
.agree input{display:none}
.agree .box{
  width:18px;height:18px;flex:none;border-radius:5px;margin-top:1px;
  border:1.5px solid #C3CDDC;background:#fff;display:grid;place-items:center;transition:all .14s;
}
.agree .box svg{width:11px;height:11px;stroke:#fff;stroke-width:3.2;fill:none;opacity:0}
.agree input:checked + .box{background:var(--navy-600);border-color:var(--navy-600)}
.agree input:checked + .box svg{opacity:1}
.agree .t{font-size:13px;font-weight:400;line-height:1.6;color:var(--ink-2)}
.agree .t b{font-weight:700;color:var(--ink)}
.agree .t a{color:var(--navy-600);text-decoration:underline;text-underline-offset:2px}
/* ---------- 제출 ---------- */
.submit-wrap{text-align:center;padding-top:6px}
.btn-submit{
  width:100%;padding:17px;font-size:16px;font-weight:700;font-family:inherit;
  color:#fff;background:var(--navy-700);border:none;border-radius:11px;cursor:pointer;
  letter-spacing:-.2px;transition:all .16s;box-shadow:var(--shadow-md);
}
.btn-submit:hover{background:var(--navy-800);transform:translateY(-1px);box-shadow:var(--shadow-lg)}
.btn-submit:disabled{background:#C3CDDC;box-shadow:none;cursor:not-allowed;transform:none}
.submit-help{font-size:12.5px;color:var(--ink-3);font-weight:300;margin-top:12px}
/* ---------- 푸터 ---------- */
footer{
  background:var(--navy-900);color:rgba(255,255,255,.5);
  font-size:12.5px;font-weight:300;
}
footer .inner{max-width:920px;margin:0 auto;padding:28px 24px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px}
footer b{color:rgba(255,255,255,.85);font-weight:500}
footer a{color:rgba(255,255,255,.65)}
/* ---------- 완료 모달 ---------- */
.modal{
  position:fixed;inset:0;background:rgba(11,27,54,.55);backdrop-filter:blur(3px);
  display:none;place-items:center;z-index:100;padding:24px;
}
.modal.show{display:grid}
.modal .box{
  background:#fff;border-radius:18px;max-width:420px;width:100%;
  padding:38px 32px 30px;text-align:center;box-shadow:var(--shadow-lg);
}
.modal .ok{
  width:60px;height:60px;margin:0 auto 18px;border-radius:50%;
  background:#EAF6F0;display:grid;place-items:center;
}
.modal .ok svg{width:28px;height:28px;stroke:var(--ok);stroke-width:3;fill:none}
.modal h3{font-size:20px;font-weight:700;margin-bottom:8px}
.modal p{font-size:13.5px;color:var(--ink-2);font-weight:300;line-height:1.7}
.modal .close{
  margin-top:22px;padding:12px 28px;font-size:14px;font-weight:500;font-family:inherit;
  background:var(--navy-700);color:#fff;border:none;border-radius:9px;cursor:pointer;
}
/* ---------- 반응형 ---------- */
@media (max-width:720px){
  .hero .inner{padding:38px 20px 42px}
  .hero h1{font-size:24px}
  .topbar .secure{display:none}
  .steps .inner{padding:0 14px}
  .step{font-size:11.5px;gap:6px;flex-direction:column;justify-content:center;padding:11px 2px;text-align:center}
  .step .num{font-size:11px;width:20px;height:20px}
  .step.active{font-size:11.5px}
  main{padding:22px 16px 60px}
  .card-head,.card-body{padding-left:18px;padding-right:18px}
  .row2,.check-grid{grid-template-columns:1fr}
  .segment{flex-direction:column}
}