/* 보험온 가이드 문서 전용 스타일. dist/styles.css 의 토큰과 헤더·푸터를 그대로 사용한다. */
.doc-head{background:var(--cream);border-bottom:1px solid var(--line);padding:38px 0 46px}
.crumb{font-size:11px;color:#8b919c;display:flex;flex-wrap:wrap;gap:7px;align-items:center}
.crumb a:hover{color:var(--blue)}
.crumb span{color:#bcc1c9}
.doc-head .tagrow{display:flex;flex-wrap:wrap;gap:8px;margin-top:22px}
.tag{font-size:11px;font-weight:600;padding:5px 11px;border-radius:5px;background:#e7ecff;color:#2f4bbd}
.tag.warn{background:#fdeee4;color:#b26a3c}
.doc-head h1{font-size:clamp(28px,3.6vw,43px);letter-spacing:-2px;line-height:1.36;margin:18px 0 0;max-width:900px}
.standfirst{font-size:16px;line-height:1.85;color:#5f6775;margin:20px 0 0;max-width:800px;letter-spacing:-.4px}
.byline{display:flex;flex-wrap:wrap;gap:8px 22px;margin-top:26px;font-size:11px;color:#858b95}
.byline b{font-weight:600;color:#5d6472}

.doc{display:grid;grid-template-columns:262px minmax(0,1fr);gap:56px;align-items:start;padding:50px 0 80px}
.doc-body{min-width:0;font-size:15.5px;line-height:1.95;letter-spacing:-.35px;overflow-wrap:anywhere}
.doc-body>p{margin:0 0 20px;color:#3d4452}
.doc-body h2{font-size:25px;letter-spacing:-1.2px;line-height:1.45;margin:52px 0 16px;padding-top:14px;border-top:3px solid var(--ink)}
.doc-body h3{font-size:18px;letter-spacing:-.8px;margin:34px 0 12px}
.doc-body h4{font-size:15px;margin:24px 0 8px}
.doc-body ul,.doc-body ol{margin:0 0 20px;padding-left:21px;color:#3d4452}
.doc-body li{margin-bottom:9px}
.doc-body li::marker{color:#9aa1ae}
.doc-body a:not(.button){color:#1d41d1;text-decoration:underline;text-underline-offset:3px;text-decoration-color:#b9c6f7}
.doc-body a:not(.button):hover{text-decoration-color:#1d41d1}
.doc-body strong{font-weight:700;color:var(--ink)}
.doc-body em{font-style:normal;background:linear-gradient(transparent 62%,#dde6ff 0);font-weight:600}

/* 핵심 답변 박스 */
.answer{border:2px solid var(--ink);border-radius:12px;padding:26px 28px;margin:0 0 34px;background:#fff}
.answer .lab{font-size:10px;font-weight:700;letter-spacing:1.6px;color:var(--blue)}
.answer p{margin:12px 0 0;font-size:17px;line-height:1.8;font-weight:500;letter-spacing:-.6px}
.answer p+p{margin-top:12px;font-size:14px;font-weight:400;color:#5d6472}

/* 요약 카드 */
.takeaway{background:#f2f5ff;border-radius:12px;padding:26px 30px;margin:0 0 36px}
.takeaway h2{border:0;padding:0;margin:0 0 14px;font-size:17px;letter-spacing:-.7px}
.takeaway ul{margin:0;padding-left:0;list-style:none}
.takeaway li{position:relative;padding-left:23px;font-size:14px;line-height:1.8;color:#3c4455;margin-bottom:11px;overflow-wrap:anywhere}
.takeaway li:last-child{margin-bottom:0}
.takeaway li::before{content:"✓";position:absolute;left:0;top:0;color:var(--blue);font-weight:800}

/* 표 */
.tablewrap{overflow-x:auto;margin:0 0 10px;border:1px solid var(--line);border-radius:10px;background:#fff}
table{border-collapse:collapse;width:100%;min-width:560px;font-size:13.5px}
caption{text-align:left;font-size:12px;color:#858b95;padding:0 0 9px}
th,td{padding:13px 15px;border-bottom:1px solid #eef0f3;text-align:left;vertical-align:top;line-height:1.7}
thead th{background:#f5f6f9;font-size:12px;font-weight:700;color:#4b5261;white-space:nowrap;border-bottom:1px solid var(--line)}
tbody th{font-weight:600;background:#fcfcfd;white-space:nowrap}
tbody tr:last-child td,tbody tr:last-child th{border-bottom:0}
td.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.hi{background:#f2f5ff}
.tnote{font-size:11px;color:#8c929d;line-height:1.8;margin:9px 0 28px}

/* 계산기 */
.calc{border:1px solid #dfe3ee;border-radius:14px;overflow:hidden;margin:26px 0 12px;background:#fff}
.calc-head{background:var(--ink);color:#fff;padding:20px 26px}
.calc-head h3{margin:0;font-size:17px;letter-spacing:-.6px;color:#fff}
.calc-head p{margin:6px 0 0;font-size:12px;color:#aeb5c4;line-height:1.7}
.calc-body{padding:24px 26px 26px}
.fieldset{border:0;padding:0;margin:0 0 22px}
.fieldset legend{font-size:12px;font-weight:700;color:#4d5564;padding:0;margin-bottom:12px}
.gen-pick{display:flex;gap:9px;flex-wrap:wrap}
.gen-pick label{flex:1;min-width:150px;border:1px solid #dfe3ea;border-radius:8px;padding:12px 14px;cursor:pointer;font-size:13px;font-weight:600;display:flex;gap:9px;align-items:flex-start;line-height:1.6}
.gen-pick label:has(input:checked){border-color:var(--blue);background:#f4f7ff;box-shadow:inset 0 0 0 1px var(--blue)}
.gen-pick input{margin:4px 0 0;accent-color:var(--blue);flex:none}
.gen-pick small{display:block;font-weight:400;color:#848b97;font-size:11px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.calc label.f{font-size:12.5px;font-weight:600;color:#4d5564;margin-bottom:14px;display:block}
.calc label.f small{display:block;font-weight:400;color:#8b919c;font-size:11px;margin-top:3px;line-height:1.6}
.calc .input-wrap{height:44px;background:#fff}
.calc .input-wrap input{font-variant-numeric:tabular-nums}
.calc-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:4px}
.calc-actions .button{min-height:46px;font-size:13px}
.ghost{background:#f1f3f7;color:#525a68}
.ghost:hover{background:#e7eaf0}

.result{margin-top:24px;display:none}
.result.on{display:block}
.rbanner{background:#f2f5ff;border-radius:10px;padding:18px 20px;font-size:14px;line-height:1.8;color:#2c3444;margin-bottom:18px}
.rbanner b{color:var(--blue)}
.rcards{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.rcard{border:1px solid #e3e6ee;border-radius:11px;padding:18px 18px 20px;position:relative;background:#fff}
.rcard.best{border-color:var(--blue);box-shadow:0 0 0 1px var(--blue)}
.rcard .rank{position:absolute;top:-10px;left:16px;background:var(--blue);color:#fff;font-size:10px;font-weight:700;padding:4px 9px;border-radius:5px}
.rcard h4{margin:0 0 3px;font-size:14px;letter-spacing:-.5px}
.rcard .sub{font-size:11px;color:#8b919c;margin:0 0 14px;line-height:1.6;min-height:34px}
.rcard dl{margin:0;font-size:12px}
.rcard dl>div{display:flex;justify-content:space-between;gap:10px;padding:7px 0;border-bottom:1px dashed #eceef3}
.rcard dt{color:#7b828f}
.rcard dd{margin:0;font-variant-numeric:tabular-nums;font-weight:600}
.rcard .tot{margin-top:12px;padding-top:12px;border-top:2px solid var(--ink);display:flex;justify-content:space-between;align-items:baseline}
.rcard .tot span{font-size:11px;color:#6d7483}
.rcard .tot b{font-size:19px;letter-spacing:-.7px;font-variant-numeric:tabular-nums}
.rcard .after{margin:10px 0 0;font-size:11px;color:#8b919c;line-height:1.7}
.bar{height:7px;border-radius:4px;background:#eceef4;margin:14px 0 0;overflow:hidden}
.bar i{display:block;height:100%;background:var(--blue);border-radius:4px}
.rcard:not(.best) .bar i{background:#aeb6c6}

/* 시나리오 */
.cases{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:4px 0 28px}
.case{border:1px solid var(--line);border-radius:11px;padding:20px 22px;background:#fff}
.case .who{font-size:11px;font-weight:700;color:var(--blue);letter-spacing:.3px}
.case h4{margin:8px 0 10px;font-size:15.5px;letter-spacing:-.5px;line-height:1.55}
.case p{margin:0;font-size:12.5px;line-height:1.85;color:#5f6775}
.case .verdict{margin-top:13px;padding-top:12px;border-top:1px dashed #e4e7ed;font-size:12.5px;font-weight:600;color:#2c3444}
.case .verdict b{color:var(--blue)}

/* 순서도 */
.flow{border:1px solid var(--line);border-radius:12px;background:#fff;padding:22px;margin:4px 0 10px;overflow-x:auto}
.flow svg{width:100%;min-width:520px;height:auto;stroke:none}

/* 체크리스트·주의 */
.mistakes{list-style:none;padding:0;margin:0 0 28px;counter-reset:m}
.mistakes li{counter-increment:m;border:1px solid var(--line);border-radius:10px;padding:18px 20px 18px 56px;position:relative;margin-bottom:11px;background:#fff;font-size:13.5px;line-height:1.85;color:#4a5260}
.mistakes li::before{content:counter(m);position:absolute;left:19px;top:18px;width:24px;height:24px;border-radius:50%;background:#fdeee4;color:#b26a3c;font-size:11px;font-weight:700;display:grid;place-items:center}
.mistakes b{display:block;color:var(--ink);font-size:14.5px;margin-bottom:4px;letter-spacing:-.4px}

.steps{list-style:none;padding:0;margin:0 0 20px;counter-reset:s}
.steps li{counter-increment:s;padding:0 0 20px 44px;position:relative;font-size:14px;line-height:1.85;color:#4a5260}
.steps li::before{content:counter(s);position:absolute;left:0;top:1px;width:28px;height:28px;border-radius:50%;background:var(--blue);color:#fff;font-size:12px;font-weight:700;display:grid;place-items:center}
.steps li::after{content:"";position:absolute;left:13.5px;top:32px;bottom:2px;width:1px;background:#dde1e9}
.steps li:last-child{padding-bottom:0}
.steps li:last-child::after{display:none}
.steps b{display:block;color:var(--ink);letter-spacing:-.4px}

.callout{border-left:4px solid var(--blue);background:#f6f8ff;border-radius:0 9px 9px 0;padding:17px 20px;margin:0 0 26px;font-size:13.5px;line-height:1.9;color:#414957}
.callout.caution{border-color:#d98a5a;background:#fdf6f1}
.callout b{display:block;margin-bottom:5px}

.doc-body details{border-bottom:1px solid #e9ebef}
.doc-body details summary{cursor:pointer;list-style:none;font-size:14.5px;font-weight:600;padding:17px 0;display:flex;justify-content:space-between;gap:16px;letter-spacing:-.4px}
.doc-body details summary::-webkit-details-marker{display:none}
.doc-body details summary::after{content:"+";font-size:20px;font-weight:400;color:#949aa6;line-height:1}
.doc-body details[open] summary::after{content:"−"}
.doc-body details>div{padding:0 0 20px;font-size:13.5px;line-height:1.95;color:#5a6271}
.doc-body details>div p{margin:0 0 10px}
.doc-body details>div p:last-child{margin:0}

.sources{list-style:none;padding:0;margin:0;font-size:12.5px;line-height:1.85}
.sources li{padding:12px 0;border-bottom:1px solid #eef0f3;color:#6d7482}
.sources li:last-child{border:0}
.sources b{display:block;color:var(--ink);font-size:13px;margin-bottom:2px}
.sources .tier{font-size:10px;font-weight:700;color:#7a829a;background:#f1f3f8;border-radius:4px;padding:2px 7px;margin-right:7px}

.related{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:4px 0 0}
.related a{border:1px solid var(--line);border-radius:10px;padding:18px 20px;display:block;background:#fff;transition:transform .2s,box-shadow .2s}
.related a:hover{transform:translateY(-3px);box-shadow:0 10px 20px #2030400c}
.related span{font-size:10px;color:#8b919c}
.related strong{display:block;font-size:14.5px;letter-spacing:-.5px;margin-top:6px;line-height:1.55}

.updated{margin-top:40px;padding-top:20px;border-top:1px solid var(--line);font-size:11.5px;color:#8b919c;line-height:1.9}

/* 목차 */
.toc{position:sticky;top:112px;border:1px solid var(--line);border-radius:11px;padding:20px 22px;background:#fff}
.toc strong{font-size:11px;letter-spacing:1.4px;color:var(--blue);font-weight:700}
.toc ol{list-style:none;margin:14px 0 0;padding:0;counter-reset:t}
.toc li{counter-increment:t;margin-bottom:11px}
.toc a{font-size:12.5px;color:#666d7b;line-height:1.6;display:block}
.toc a::before{content:counter(t,decimal-leading-zero);font-size:10px;color:#b4b9c4;margin-right:8px;font-variant-numeric:tabular-nums}
.toc a:hover,.toc a.on{color:var(--blue);font-weight:600}
.toc .tocnote{margin:18px 0 0;padding-top:16px;border-top:1px solid #eef0f3;font-size:11px;color:#9299a4;line-height:1.75}

/* 가이드 목록 */
.list-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.list-card{border:1px solid var(--line);border-radius:12px;background:#fff;overflow:hidden;display:flex;flex-direction:column;transition:transform .2s,box-shadow .2s}
.list-card:hover{transform:translateY(-4px);box-shadow:0 14px 26px #2030400f}
.list-card img{width:100%;height:auto;display:block;border-bottom:1px solid var(--line);background:var(--cream)}
.list-card .meta{padding:22px 24px 24px}
.list-card .cat{font-size:10.5px;font-weight:700;color:var(--blue);letter-spacing:.4px}
.list-card h2{font-size:19px;letter-spacing:-.8px;line-height:1.5;margin:10px 0 9px}
.list-card p{font-size:12.5px;line-height:1.85;color:#737a88;margin:0}
.list-card .date{font-size:11px;color:#9aa0ab;margin-top:14px;display:block}
.empty-note{border:1px dashed #d8dce4;border-radius:12px;padding:30px;text-align:center;color:#8b919c;font-size:13px;line-height:1.9}

@media(max-width:1050px){
  .doc{grid-template-columns:1fr;gap:0}
  .toc{position:static;margin-bottom:34px}
  .toc ol{columns:2;column-gap:26px}
}
@media(max-width:800px){
  .doc{padding:36px 0 60px}
  .doc-body{font-size:15px}
  .rcards{grid-template-columns:1fr}
  .cases,.related,.list-grid{grid-template-columns:1fr}
  .grid2{grid-template-columns:1fr;gap:0}
  .doc-head{padding:28px 0 36px}
  .doc-body h2{font-size:22px;margin-top:44px}
}
@media(max-width:600px){
  .toc ol{columns:1}
  .standfirst{font-size:14.5px}
  .answer{padding:21px 20px}
  .answer p{font-size:15.5px}
  .takeaway{padding:22px}
  .calc-body{padding:20px}
  .calc-head{padding:18px 20px}
  .mistakes li{padding:16px 18px 16px 50px}
}

/* 홈 화면의 최신 가이드 블록 */
.latest{margin-top:30px;border:1px solid var(--line);border-radius:12px;background:#fff;overflow:hidden;display:grid;grid-template-columns:320px minmax(0,1fr);align-items:stretch}
.latest img{width:100%;height:100%;object-fit:cover;display:block;border-right:1px solid var(--line);background:var(--cream)}
.latest .body{padding:28px 32px}
.latest .flag{display:inline-flex;align-items:center;gap:7px;font-size:10.5px;font-weight:700;letter-spacing:.4px;color:#fff;background:var(--blue);border-radius:5px;padding:5px 10px}
.latest h3{font-size:21px;letter-spacing:-.9px;line-height:1.5;margin:14px 0 10px}
.latest p{font-size:13px;line-height:1.9;color:#737a88;margin:0 0 18px}
.latest .row{display:flex;flex-wrap:wrap;align-items:center;gap:10px 20px}
.latest .row .button{min-height:44px;font-size:12.5px}
.latest .row .text-link{font-size:12px;color:#5f6775}
.latest .row .text-link:hover{color:var(--blue)}
@media(max-width:800px){.latest{grid-template-columns:1fr}.latest img{height:auto;border-right:0;border-bottom:1px solid var(--line)}.latest .body{padding:24px}.latest h3{font-size:19px}}
.tree{border:1px solid var(--line);border-radius:12px;background:#fff;padding:20px 22px;margin:4px 0 10px}
.tree .tcap{font-size:12.5px;font-weight:700;color:#5b6477;letter-spacing:-.2px;margin:0 0 14px}
.tree ol{list-style:none;margin:0;padding:0;counter-reset:none}
.tree li{position:relative;padding:0 0 14px 0;margin:0 0 14px;border-bottom:1px dashed #e7eaf2}
.tree li:last-child{padding-bottom:0;margin-bottom:0;border-bottom:none}
.tree .tq{display:flex;align-items:flex-start;gap:8px;font-size:14.5px;font-weight:700;color:#1d2433;letter-spacing:-.3px;line-height:1.6;margin-bottom:8px}
.tree .tn{flex:0 0 auto;width:19px;height:19px;border-radius:50%;background:#244be8;color:#fff;font-size:11px;font-weight:800;display:flex;align-items:center;justify-content:center;margin-top:3px}
.tree .ty,.tree .tnn{display:block;font-size:13.5px;line-height:1.75;letter-spacing:-.25px;padding-left:27px;position:relative}
.tree .ty{color:#1b4bd8;font-weight:600}
.tree .tnn{color:#6b7385}