:root {
  --blue-900: #0b2545;
  --blue-700: #14508c;
  --blue-600: #2563eb;
  --blue-500: #3b82f6;
  --blue-50: #eff6ff;
  --teal: #0ea5a4;
  --emerald: #059669;
  --gray-900: #111827;
  --gray-700: #374151;
  --gray-500: #6b7280;
  --gray-200: #e5e7eb;
  --gray-100: #f3f4f6;
  --gray-50: #f9fafb;
  --white: #ffffff;
  --radius: 14px;
  --shadow: 0 4px 14px rgba(11,37,69,0.06);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Apple SD Gothic Neo", "Noto Sans KR", "Malgun Gothic", sans-serif;
  color: var(--gray-900);
  background: var(--gray-50);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; }

.wrap {
  max-width: 1040px;
  margin: 0 auto;
  padding: 0 20px;
}

/* Header */
header.site {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  position: sticky;
  top: 0;
  z-index: 50;
}
header.site .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}
.logo {
  font-weight: 800;
  font-size: 20px;
  letter-spacing: -0.5px;
  color: var(--blue-900);
  display: flex;
  align-items: center;
  gap: 6px;
}
.logo .dot { color: var(--emerald); }
nav.site-nav {
  display: flex;
  gap: 4px;
  flex-wrap: wrap;
}
nav.site-nav a {
  font-size: 14px;
  font-weight: 600;
  color: var(--gray-700);
  padding: 8px 12px;
  border-radius: 8px;
}
nav.site-nav a:hover { background: var(--blue-50); color: var(--blue-700); }
.nav-toggle { display: none; }

@media (max-width: 760px) {
  nav.site-nav { display: none; }
}

/* Hero */
.hero {
  background: linear-gradient(150deg, var(--blue-900) 0%, var(--blue-700) 55%, var(--blue-500) 100%);
  color: var(--white);
  padding: 64px 0 56px;
}
.hero h1 {
  font-size: 38px;
  font-weight: 900;
  letter-spacing: -1px;
  margin: 0 0 14px;
  line-height: 1.3;
}
.hero p {
  font-size: 17px;
  color: #dce9ff;
  margin: 0 0 26px;
  max-width: 560px;
}
.hero .badge-row { display:flex; gap:10px; flex-wrap: wrap; }
.hero .badge {
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.3);
  padding: 7px 14px;
  border-radius: 999px;
  font-size: 13px;
  font-weight: 600;
}

/* Category grid */
.section { padding: 52px 0; }
.section h2 {
  font-size: 24px;
  font-weight: 800;
  letter-spacing: -0.5px;
  margin: 0 0 6px;
}
.section .sub { color: var(--gray-500); margin: 0 0 28px; font-size: 15px; }

.cat-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 16px;
}
.cat-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 24px 20px;
  box-shadow: var(--shadow);
  transition: transform .15s ease, box-shadow .15s ease;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.cat-card:hover { transform: translateY(-3px); box-shadow: 0 10px 24px rgba(11,37,69,0.10); }
.cat-card .emoji { font-size: 30px; }
.cat-card .name { font-weight: 800; font-size: 17px; color: var(--blue-900); }
.cat-card .desc { font-size: 13.5px; color: var(--gray-500); }

/* Benefit card (category detail pages) */
.benefit {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 26px 24px;
  margin-bottom: 18px;
  box-shadow: var(--shadow);
}
.benefit h3 {
  font-size: 19px;
  font-weight: 800;
  margin: 0 0 10px;
  color: var(--blue-900);
}
.benefit .tags { display:flex; gap:6px; flex-wrap:wrap; margin-bottom: 14px; }
.benefit .tag {
  font-size: 12px;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 999px;
  background: var(--blue-50);
  color: var(--blue-700);
}
.benefit .tag.money { background: #ecfdf5; color: var(--emerald); }
.benefit dl.info {
  display: grid;
  grid-template-columns: 96px 1fr;
  row-gap: 8px;
  column-gap: 12px;
  font-size: 14.5px;
  margin: 14px 0;
}
.benefit dl.info dt { color: var(--gray-500); font-weight: 600; }
.benefit dl.info dd { margin: 0; color: var(--gray-900); }
.benefit .note {
  font-size: 13px;
  color: var(--gray-500);
  background: var(--gray-50);
  border-radius: 8px;
  padding: 10px 12px;
  margin-top: 10px;
}
.benefit .src { font-size: 12.5px; margin-top: 12px; }
.benefit .src a { color: var(--blue-600); text-decoration: underline; }

/* CTA banner */
.cta {
  background: var(--blue-50);
  border-radius: var(--radius);
  padding: 30px 26px;
  text-align: center;
  margin-top: 8px;
}
.cta h3 { margin: 0 0 8px; font-size: 19px; }
.cta p { margin: 0 0 16px; color: var(--gray-700); font-size: 14.5px; }
.btn {
  display: inline-block;
  background: var(--blue-600);
  color: var(--white);
  font-weight: 700;
  padding: 12px 22px;
  border-radius: 10px;
  font-size: 14.5px;
}

/* Breadcrumb */
.crumb { font-size: 13px; color: var(--gray-500); margin-bottom: 16px; }
.crumb a { color: var(--blue-600); font-weight: 600; }

/* Disclaimer */
.disclaimer {
  font-size: 12.5px;
  color: var(--gray-500);
  border-top: 1px dashed var(--gray-200);
  margin-top: 30px;
  padding-top: 16px;
}

/* Footer */
footer.site {
  background: var(--blue-900);
  color: #b9cbe6;
  padding: 40px 0 28px;
  margin-top: 40px;
  font-size: 13.5px;
}
footer.site a { color: #dce9ff; }
footer.site .cols { display:flex; gap: 40px; flex-wrap: wrap; margin-bottom: 20px; }
footer.site .cols a { display:block; margin-bottom: 8px; color: #b9cbe6; }
footer.site .cols a:hover { color: var(--white); }
footer.site .legal { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 16px; font-size: 12px; color: #8fa5c9; }

/* Ad slot placeholder */
.ad-slot { margin: 28px 0; text-align: center; }

/* Update note */
.updated { font-size: 12px; color: var(--gray-500); margin-bottom: 20px; }