:root{--co:#1F4FD8;--co2:#163BA8;--sun:#FFC93C;--sun2:#F2B200;--sky:#F4F7FD;--sky2:#E3EAFB;--ink:#141A2E;--gray:#5B6478;--line:#DCE3F2;--hd:64px}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:calc(var(--hd) + 14px);-webkit-text-size-adjust:100%}
body{margin:0;background:var(--sky);color:var(--ink);font-family:"Noto Sans KR",-apple-system,BlinkMacSystemFont,"Apple SD Gothic Neo","Malgun Gothic",sans-serif;font-size:16.5px;line-height:1.85;word-break:keep-all;overflow-wrap:anywhere}
img{max-width:100%;height:auto;display:block}
a{color:var(--co)}
.sv-w{max-width:1160px;margin:0 auto;padding:0 24px}
.sv-skip{position:absolute;left:-999px}.sv-skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}

/* head */
.sv-head{position:sticky;top:0;z-index:40;background:#fff;border-bottom:1px solid var(--line)}
.sv-head__a{display:flex;align-items:center;gap:16px;min-height:var(--hd)}
.sv-brand{display:flex;align-items:center;gap:8px;text-decoration:none;color:var(--ink);font-weight:900;font-size:21px;letter-spacing:-.5px;flex-shrink:0}
.sv-brand b{display:inline-grid;place-items:center;min-width:38px;height:30px;padding:0 6px;border-radius:6px;background:var(--co);color:var(--sun);font-size:14px}
.sv-brand img{height:38px;width:auto}
.sv-tabs{display:flex;gap:2px;overflow-x:auto;scrollbar-width:none;flex:1;min-width:0}
.sv-tabs::-webkit-scrollbar{display:none}
.sv-tabs a{white-space:nowrap;text-decoration:none;color:var(--gray);font-weight:600;font-size:14.5px;padding:6px 10px;border-radius:30px}
.sv-tabs a:hover{color:var(--co)}
.sv-tabs a[aria-current]{background:var(--sky2);color:var(--co2)}
.sv-act{display:flex;gap:6px;flex-shrink:0}
.sv-act a,.sv-act button{border:0;cursor:pointer;font-family:inherit;text-decoration:none;font-weight:800;font-size:14px;padding:8px 14px;border-radius:30px;white-space:nowrap}
.sv-act .x1{background:var(--co);color:#fff}.sv-act .x1:hover{background:var(--co2);color:#fff}
.sv-act .x2{background:var(--sun);color:var(--ink)}.sv-act .x2:hover{background:var(--sun2);color:var(--ink)}

/* top */
.sv-top{background:var(--co);color:#fff;overflow:hidden}
.sv-top__g{display:grid;grid-template-columns:1.08fr 1fr;gap:42px;align-items:center;padding-top:56px;padding-bottom:60px}
.sv-pill{display:inline-block;background:var(--sun);color:var(--ink);font-weight:800;font-size:13px;padding:4px 12px;border-radius:30px}
.sv-top h1{margin:16px 0 14px;font-size:42px;line-height:1.27;letter-spacing:-1.2px}
.sv-top h1 span{display:block}
.sv-top h1 i{display:block;font-style:normal;color:var(--sun)}
.sv-top p.sv-lede{margin:0 0 26px;color:#DCE5FF;font-size:17.5px}
.sv-top__pic{border-radius:24px;overflow:hidden;border:6px solid rgba(255,255,255,.18)}
.sv-cta{display:flex;flex-wrap:wrap;gap:10px}
.sv-k{display:inline-flex;align-items:center;gap:8px;font-family:inherit;cursor:pointer;text-decoration:none;font-weight:800;font-size:16px;padding:13px 22px;border-radius:12px;border:2px solid transparent}
.sv-k--y{background:var(--sun);color:var(--ink)}.sv-k--y:hover{background:var(--sun2);color:var(--ink)}
.sv-k--w{border-color:#fff;color:#fff;background:transparent}.sv-k--w:hover{background:#fff;color:var(--co)}
.sv-k--b{background:var(--co);color:#fff}.sv-k--b:hover{background:var(--co2);color:#fff}
.sv-k--l{border-color:var(--co);color:var(--co);background:#fff}.sv-k--l:hover{background:var(--sky2);color:var(--co)}

/* tally */
.sv-tally{display:grid;grid-template-columns:repeat(4,1fr);margin:-34px auto 0;position:relative;background:#fff;border-radius:18px;box-shadow:0 18px 40px -26px rgba(20,26,46,.45);list-style:none;padding:0}
.sv-tally li{padding:22px 10px;text-align:center}
.sv-tally li+li{border-left:1px solid var(--line)}
.sv-tally strong{display:block;font-size:28px;color:var(--co);letter-spacing:-.6px;line-height:1.25}
.sv-tally small{font-size:14px;color:var(--gray)}

/* blocks */
.sv-b{padding:62px 0}
.sv-b--w{background:#fff}
.sv-b h2{font-size:29px;letter-spacing:-.7px;line-height:1.36;margin:0 0 10px}
.sv-b .sv-note{color:var(--gray);margin:0 0 26px;max-width:780px}
.sv-prose p{max-width:880px;margin:0 0 16px}
.sv-need{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;list-style:none;margin:0;padding:0}
.sv-need li{background:var(--sky);border-radius:14px;padding:20px;border:1px solid var(--line)}
.sv-need li b{display:inline-grid;place-items:center;width:28px;height:28px;border-radius:50%;background:var(--co);color:#fff;font-size:14px;margin-bottom:8px}
.sv-need h3{margin:0 0 6px;font-size:17px}
.sv-need p{margin:0 0 8px;font-size:15px;color:var(--gray)}
.sv-need a{font-size:14.5px;font-weight:700}
.sv-road{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;list-style:none;margin:0;padding:0}
.sv-road li{background:#fff;border:1px solid var(--line);border-top:4px solid var(--t);border-radius:4px 4px 14px 14px;padding:20px 18px}
.sv-road small{font-weight:800;color:var(--t);font-size:13px}
.sv-road h3{margin:4px 0 6px;font-size:18px}
.sv-road p{margin:0;font-size:15px;color:var(--gray)}
.sv-topics{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}
.sv-topics section{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px}
.sv-topics h3{margin:0 0 6px;font-size:15.5px;color:var(--co2)}
.sv-topics p{margin:0 0 8px;font-size:13.5px;color:var(--gray);line-height:1.65}
.sv-topics ul{margin:0;padding-left:16px;font-size:14px}
.sv-topics li{margin:0 0 3px}
.sv-feed{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.sv-post{display:flex;flex-direction:column;text-decoration:none;color:inherit;background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px 22px}
.sv-post:hover{border-color:var(--co);box-shadow:0 10px 24px -18px rgba(31,79,216,.6)}
.sv-post em{font-style:normal;align-self:flex-start;font-size:12.5px;font-weight:800;color:var(--co2);background:var(--sky2);padding:2px 9px;border-radius:30px}
.sv-post time{font-size:13px;color:var(--gray);margin-top:8px}
.sv-post h3{margin:2px 0 8px;font-size:17px;line-height:1.45}
.sv-post p{margin:0;font-size:14.5px;color:var(--gray);display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
.sv-post.is-gone{display:none}
.sv-dir{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:0 26px;counter-reset:dr}
.sv-dir li{counter-increment:dr;display:flex;gap:8px;padding:8px 0;border-bottom:1px solid var(--line);min-width:0}
.sv-dir li::before{content:counter(dr) ".";flex:0 0 32px;white-space:nowrap;text-align:right;font-weight:800;color:var(--co)}
.sv-more{margin:22px 0 0;font-weight:800}

/* QA */
.sv-qa{border:1px solid var(--line);border-radius:12px;background:#fff;margin:0 0 10px;overflow:hidden}
.sv-qa summary{list-style:none;cursor:pointer;padding:15px 50px 15px 18px;position:relative}
.sv-qa summary::-webkit-details-marker{display:none}
.sv-qa summary::after{content:"";position:absolute;right:20px;top:22px;border:6px solid transparent;border-top-color:var(--co)}
.sv-qa[open] summary{background:var(--sky)}
.sv-qa[open] summary::after{transform:rotate(180deg);top:15px}
.sv-qa summary h3,.sv-qa summary b{display:inline;margin:0;font-size:16.5px;font-weight:800}
.sv-qa .sv-ans{padding:12px 18px 16px;color:var(--gray)}
.sv-qa .sv-ans p{margin:0}
.sv-chips{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:0 0 28px}
.sv-chips a{display:block;text-decoration:none;font-weight:800;font-size:14.5px;padding:7px 14px;border-radius:30px;background:#fff;border:1px solid var(--line)}
.sv-chips a:hover{background:var(--co);color:#fff}

/* article: single column, top summary card */
.sv-crumb{font-size:13.5px;color:var(--gray);padding-top:18px}
.sv-crumb ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:4px 8px}
.sv-crumb li+li::before{content:"/";margin-right:8px;color:var(--line)}
.sv-crumb a{color:var(--gray);text-decoration:none}
.sv-art{max-width:800px;margin:0 auto;padding:16px 0 50px}
.sv-art h1{font-size:34px;line-height:1.35;letter-spacing:-1px;margin:8px 0 12px}
.sv-meta{display:flex;flex-wrap:wrap;gap:6px 14px;font-size:13.5px;color:var(--gray);margin:0 0 22px}
.sv-meta strong{color:var(--co)}
.sv-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px 24px;margin:0 0 26px}
.sv-card .sv-first p{margin:0 0 6px;font-size:17px}
.sv-card nav{margin-top:14px;padding-top:14px;border-top:1px dashed var(--line)}
.sv-card nav b{font-size:14px;color:var(--co2)}
.sv-card nav ol{margin:6px 0 0;padding-left:20px;font-size:15px;columns:2;column-gap:26px}
.sv-card nav li{margin:0 0 4px;break-inside:avoid}
.sv-img{margin:0 0 28px;max-width:340px;border-radius:16px;overflow:hidden}
.sv-img--wide{max-width:none}.sv-img--wide img{width:100%;height:auto;display:block}
.sv-text h2{font-size:24.5px;line-height:1.42;letter-spacing:-.5px;margin:46px 0 14px;padding-bottom:8px;border-bottom:2px solid var(--sky2)}
.sv-text h2 span{color:var(--sun2);margin-right:6px}
.sv-text h3{font-size:19px;margin:26px 0 10px}
.sv-text p{margin:0 0 16px}
.sv-text ul,.sv-text ol{margin:0 0 18px;padding-left:22px}
.sv-text li{margin:0 0 6px}
.sv-grid{overflow-x:auto;margin:0 0 20px;border-radius:12px;border:1px solid var(--line);background:#fff}
.sv-grid table{border-collapse:collapse;width:100%;min-width:480px;font-size:15px}
.sv-grid th{background:var(--co);color:#fff;text-align:left;padding:10px 12px;font-weight:700}
.sv-grid td{padding:10px 12px;border-top:1px solid var(--line);vertical-align:top}
.sv-grid tr:nth-child(even) td{background:var(--sky)}
.sv-hint{background:#FFF7DD;border-left:4px solid var(--sun);border-radius:8px;padding:13px 16px;margin:0 0 18px;font-size:15.5px}
.sv-key{background:var(--co);color:#fff;border-radius:18px;padding:22px 26px;margin:40px 0}
.sv-key b{display:block;color:var(--sun);margin:0 0 8px}
.sv-key ul{margin:0;padding-left:20px}
.sv-key li{margin:0 0 4px}
.sv-ask{display:flex;flex-wrap:wrap;gap:12px;align-items:center;justify-content:space-between;background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px 22px;margin:34px 0}
.sv-ask p{margin:0;font-weight:800}
.sv-more2{margin:36px 0}
.sv-more2 h2{border:0;padding:0;margin:0 0 12px}
.sv-more2 p{font-size:15.5px}
.sv-more2 ul{padding-left:20px}
.sv-pn{display:flex;justify-content:space-between;gap:12px;font-size:15px;margin:28px 0 0}
.sv-pn a{text-decoration:none;font-weight:700;max-width:48%}

/* list filter */
.sv-filter{position:sticky;top:var(--hd);z-index:20;background:var(--sky);padding:12px 0;margin:0 0 18px}
.sv-filter ul{display:flex;gap:6px;overflow-x:auto;list-style:none;margin:0;padding:0;scrollbar-width:none}
.sv-filter button{white-space:nowrap;font-family:inherit;cursor:pointer;font-size:14.5px;font-weight:700;border:1px solid var(--line);background:#fff;color:var(--ink);padding:8px 14px;border-radius:30px}
.sv-filter button[aria-pressed="true"]{background:var(--co);border-color:var(--co);color:#fff}
.sv-pages{display:flex;flex-wrap:wrap;justify-content:center;gap:6px;margin:28px 0 0}
.sv-pages button{min-width:40px;height:40px;font-family:inherit;font-weight:800;cursor:pointer;border:1px solid var(--line);background:#fff;border-radius:10px;color:var(--co)}
.sv-pages button[aria-current="page"]{background:var(--sun);border-color:var(--sun);color:var(--ink)}

/* foot */

/* fixed */
.sv-up{position:fixed;left:20px;bottom:22px;z-index:50;width:46px;height:46px;border-radius:12px;border:1px solid var(--line);background:#fff;color:var(--co);font-size:18px;font-weight:900;cursor:pointer;opacity:0;pointer-events:none;transition:opacity .2s}
.sv-up.on{opacity:1;pointer-events:auto}

/* 메뉴는 항상 두 번째 줄 — PC는 줄바꿈, 모바일은 가로 스크롤 */
:root{--hd:110px}
.sv-head__a{flex-wrap:wrap;gap:8px 12px;padding-top:10px}
.sv-tabs{order:3;flex-basis:100%;padding-bottom:8px}
.sv-act{margin-left:auto}
@media (min-width:641px){.sv-tabs{flex-wrap:wrap;overflow:visible}}
@media (max-width:1000px){
  .sv-top__g{grid-template-columns:1fr}
  .sv-need,.sv-road{grid-template-columns:1fr 1fr}
  .sv-topics{grid-template-columns:1fr 1fr}
  .sv-feed,.sv-dir{grid-template-columns:1fr 1fr}
    }
@media (max-width:640px){
  :root{--hd:100px}
  body{font-size:16px}
  .sv-w{padding:0 16px}
  .sv-brand{font-size:19px}
  .sv-act a,.sv-act button{font-size:13px;padding:7px 10px}
  .sv-top__g{padding-top:34px;padding-bottom:56px}
  .sv-top h1{font-size:28px}
  .sv-tally{grid-template-columns:1fr 1fr}
  .sv-tally li:nth-child(3){border-left:0}
  .sv-tally li:nth-child(n+3){border-top:1px solid var(--line)}
  .sv-tally strong{font-size:22px}
  .sv-need,.sv-road,.sv-topics,.sv-feed,.sv-dir{grid-template-columns:1fr}
  .sv-b{padding:44px 0}
  .sv-b h2{font-size:23px}
  .sv-art h1{font-size:26px}
  .sv-text h2{font-size:21px}
  .sv-card nav ol{columns:1}
  .sv-up{left:auto;right:14px;bottom:72px;width:42px;height:42px}
}

@media (min-width:641px) and (max-width:1279px){:root{--hd:150px}}
.sv-src{margin:34px 0;padding:18px 22px;border:1px dashed var(--line);border-radius:14px;background:#fff}
.sv-src h2{margin:0 0 8px;font-size:18px;border:0;padding:0}
.sv-src p{font-size:14.5px;color:var(--gray);margin:0 0 8px}
.sv-src ul{margin:0;padding-left:20px;font-size:15px;columns:2;column-gap:24px}
.sv-hubdocs{list-style:none;margin:0 0 20px;padding:0;counter-reset:hb}
.sv-hubdocs li{counter-increment:hb;background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 18px 12px 56px;margin:0 0 10px;position:relative}
.sv-hubdocs li::before{content:counter(hb,decimal-leading-zero);position:absolute;left:16px;top:14px;font-weight:900;color:var(--sun2)}
.sv-hubdocs h3{margin:0 0 4px;font-size:17px}
.sv-hubdocs p{margin:0;font-size:14.5px;color:var(--gray)}
.sv-hublist{columns:2;column-gap:26px}
.sv-hublist li{break-inside:avoid}
@media (max-width:640px){.sv-src ul,.sv-hublist{columns:1}}

/* footer v2 — 가운데 정렬 */
.sv-foot{background:#1B2A52;color:#B8C1D6;text-align:center;padding:40px 0 calc(34px + 60px)}
.sv-foot a{text-decoration:none}
.sv-foot__mark{display:inline-flex;width:56px;height:56px;border-radius:14px;background:#fff;align-items:center;justify-content:center}
.sv-foot__mark img{width:40px;height:40px}
.sv-foot__name{margin:10px 0 16px;color:#fff;font-size:24px;font-weight:900;letter-spacing:-.5px;line-height:1.3}
.sv-foot__cta{display:flex;justify-content:center;gap:10px;margin-bottom:20px}
.sv-foot__cta a,.sv-foot__cta button{min-width:84px;padding:10px 18px;border:0;border-radius:12px;font:inherit;font-size:15px;font-weight:800;cursor:pointer;line-height:1.2}
.sv-foot__cta .f1{background:var(--co);color:#fff}
.sv-foot__cta .f2{background:var(--sun);color:var(--ink)}
.sv-foot__cta a:hover,.sv-foot__cta button:hover{filter:brightness(1.08)}
.sv-foot__links{list-style:none;margin:0 0 14px;padding:0;display:flex;flex-wrap:wrap;justify-content:center;gap:6px 18px}
.sv-foot__links a{color:#E6EBF6;font-size:15px;font-weight:600}
.sv-foot__links a:hover{color:var(--sun)}
.sv-foot__copy{margin:0;color:#8F9AB4;font-size:14px}
.sv-foot__copy span{display:block;margin-top:6px;font-size:13px}
.sv-foot__copy a{color:#8F9AB4}.sv-foot__copy a:hover{color:#fff}
/* 하단 고정 바 — 전화상담 / 한도조회 */
.sv-bar{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:60;height:60px;box-shadow:0 -6px 18px -10px rgba(0,0,0,.35)}
.sv-bar a,.sv-bar button{display:flex;align-items:center;justify-content:center;border:0;font:inherit;font-size:17px;font-weight:800;cursor:pointer;text-decoration:none;letter-spacing:-.3px}
.sv-bar .b1{background:var(--co);color:#fff}
.sv-bar .b2{background:var(--sun);color:var(--ink)}
.sv-bar a:hover,.sv-bar button:hover{filter:brightness(1.06)}
.sv-up{bottom:76px}

/* 스크롤 페이드인 */
.sv-fade{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s cubic-bezier(.2,.7,.2,1)}
.sv-fade.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.sv-fade{opacity:1;transform:none;transition:none}}

.sv-sister{margin:0 0 10px;font-size:13.5px;opacity:.85}.sv-sister a{text-decoration:underline}
.sv-sisterlink{margin:18px 0;padding:12px 16px;border:1px dashed currentColor;border-radius:10px;font-size:15px}
.sv-foot .sv-sister a{color:#fff}

/* 한 줄 답 */
.sv-answer{background:var(--co);color:#fff;padding:18px 22px;border-radius:14px;margin:0 0 22px}
.sv-answer span{display:inline-block;font-size:12px;font-weight:800;color:var(--co2);background:var(--sun);border-radius:20px;padding:1px 10px;margin-bottom:6px}
.sv-answer p{margin:0;font-size:17.5px;font-weight:700;line-height:1.65}
.sv-text .sv-sec p strong{background:linear-gradient(transparent 62%,#FFE9A8 62%)}
/* 소제목 섹션 — PC는 펼친 상태 고정, 모바일은 접기 */
.sv-sec summary{list-style:none;display:block}
.sv-sec summary::-webkit-details-marker{display:none}
@media (min-width:641px){.sv-sec summary{pointer-events:none}}
@media (max-width:640px){
  .sv-sec{border-top:1px solid var(--line)}
  .sv-sec:last-of-type{border-bottom:1px solid var(--line);margin-bottom:24px}
  .sv-sec summary{cursor:pointer;position:relative;padding-right:30px}
  .sv-text .sv-sec summary h2{margin:16px 0;font-size:19px;border:0;padding:0}
  .sv-sec summary::after{content:"+";position:absolute;right:4px;top:12px;font-size:24px;font-weight:300;line-height:1;color:var(--co)}
  .sv-sec[open] summary::after{content:"–"}
  .sv-sec[open]{padding-bottom:6px}
  .sv-text p{margin:0 0 12px}
  .sv-answer{padding:16px 18px}
  .sv-answer p{font-size:17px}
  /* 표 → 카드 */
  .sv-grid{border:0;background:none;overflow:visible}
  .sv-grid table,.sv-grid tbody,.sv-grid tr,.sv-grid td{display:block;min-width:0;width:auto}
  .sv-grid thead{display:none}
  .sv-grid tr{background:#fff;border:1px solid var(--line);border-top:3px solid var(--co);border-radius:12px;padding:10px 14px;margin:0 0 10px}
  .sv-grid td,.sv-grid tr:nth-child(even) td{border:0;padding:4px 0;font-size:15px;background:none}
  .sv-grid td::before{content:attr(data-l);display:block;font-size:12px;font-weight:700;color:var(--gray)}
  .sv-grid td:first-child{font-weight:700;font-size:16px}
  .sv-grid td:first-child::before{display:none}
}
/* 모바일: 가로 스크롤 메뉴가 넘어간다는 걸 보이게 */
.sv-head__a{position:relative}
.sv-menuhint{display:none}
@media (max-width:640px){
  .sv-tabs.more-r{-webkit-mask-image:linear-gradient(to right,#000 78%,transparent);mask-image:linear-gradient(to right,#000 78%,transparent)}
  .sv-tabs.more-l.more-r{-webkit-mask-image:linear-gradient(to right,transparent,#000 14%,#000 78%,transparent);mask-image:linear-gradient(to right,transparent,#000 14%,#000 78%,transparent)}
  .sv-tabs.more-l:not(.more-r){-webkit-mask-image:linear-gradient(to right,transparent,#000 14%);mask-image:linear-gradient(to right,transparent,#000 14%)}
  .sv-tabs{padding-right:30px}
  .sv-menuhint{display:flex;position:absolute;right:0;bottom:10px;width:26px;height:26px;border-radius:50%;align-items:center;justify-content:center;background:var(--co);color:#fff;font-size:15px;line-height:1;border:0;cursor:pointer;z-index:2;transition:opacity .2s}
  .sv-menuhint.off{opacity:0;pointer-events:none}
  /* 가이드 필터는 줄바꿈으로 전부 보이게 (고정 해제) */
  .sv-filter{position:static;padding:4px 0 14px}
  .sv-filter ul{flex-wrap:wrap;overflow:visible}
  .sv-filter button{font-size:13.5px;padding:6px 11px}
}