:root{
  --navy:#171C61;
  --navy-mid:#163251;
  --navy-deep:#0F1A2C;
  --ink:#2D2D2F;
  --grey:#404144;
  --muted:#6E717A;
  --bg:#FFFFFF;
  --bg-2:#F5F6F9;
  --gold-lt:#D6AC4E;
  --gold-dk:#8A6C22;
  --line:#DDE0EA;
  --line-2:#C6CBDA;
  --en:"Open Sans",sans-serif;
  --tc:"Open Sans","Meiryo",メイリオ,"Noto Sans TC","ヒラギノ角ゴ Pro W3",sans-serif;
  --ko:"Open Sans","Noto Sans KR","Malgun Gothic","맑은 고딕",sans-serif;
  --mono:"JetBrains Mono","Noto Sans TC",monospace;
  --wrap:1180px;
  --pad:clamp(20px,5vw,60px);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:82px}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--tc);
  font-size:16px;line-height:1.9;-webkit-font-smoothing:antialiased;letter-spacing:.01em}
[lang="ko"] body{font-family:var(--ko);letter-spacing:0;word-break:keep-all}
img{max-width:100%;display:block}
a{color:var(--navy)}
p,h1,h2,h3{margin:0}
h1,h2,h3{color:var(--navy);line-height:1.4}
.wrap{max-width:var(--wrap);margin:0 auto;padding-left:var(--pad);padding-right:var(--pad)}
:focus-visible{outline:2px solid var(--gold-lt);outline-offset:3px}
.btn{display:inline-block;padding:11px 18px;border:1px solid var(--navy);background:var(--navy);
  color:#fff;text-decoration:none;font-size:14px;font-weight:700;line-height:1.5;
  transition:background .18s,border-color .18s,color .18s}
.btn:hover{background:var(--gold-dk);border-color:var(--gold-dk);color:#fff}

header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.96);
  backdrop-filter:blur(10px);border-bottom:1px solid var(--line);box-shadow:0 2px 14px rgba(15,26,44,.09)}
.bar{width:100%;height:70px;padding:0 clamp(20px,3vw,48px);display:flex;align-items:center;gap:24px}
.mark{display:flex;align-items:center;flex:none;text-decoration:none;line-height:0}
.mark img{height:44px;width:auto}
nav{margin-left:auto;display:flex;align-items:center;gap:18px}
nav a{font-size:13.5px;white-space:nowrap;text-decoration:none;color:var(--ink);
  padding:5px 0;border-bottom:2px solid transparent}
nav a:hover,nav a.on{color:var(--navy);border-bottom-color:var(--gold-dk)}
.lang{font-family:var(--en);font-size:12px;font-weight:600;letter-spacing:.14em;
  text-decoration:none;color:var(--muted);border:1px solid var(--line-2);
  padding:7px 11px;flex:none;white-space:nowrap}
.lang:hover{border-color:var(--navy);color:var(--navy)}
.menu-btn{display:none;width:40px;height:40px;padding:10px;border:1px solid var(--line-2);
  background:#fff;cursor:pointer;flex:none}
.menu-btn span{display:block;height:1.5px;background:var(--navy);margin:4px 0}
.mnav{background:#fff;border-top:1px solid var(--line)}
.mnav[hidden]{display:none}
.mnav-in{padding:12px clamp(20px,5vw,60px) 18px;display:grid;grid-template-columns:1fr 1fr;gap:0 22px}
.mnav a{padding:11px 0;border-bottom:1px solid var(--line);text-decoration:none;
  color:var(--ink);font-size:14px}

.faq-hero{position:relative;overflow:hidden;padding:clamp(70px,9vw,122px) 0;
  background:
    radial-gradient(720px 360px at 78% 26%,rgba(214,172,78,.13),transparent 70%),
    repeating-linear-gradient(90deg,rgba(255,255,255,.035) 0 1px,transparent 1px 58px),
    linear-gradient(125deg,#101738 0%,var(--navy) 54%,#101938 100%);
  color:#fff}
.faq-hero::after{content:"FAQ";position:absolute;right:2vw;bottom:-.2em;
  font-family:"Cormorant Garamond",serif;font-size:clamp(110px,20vw,300px);
  font-weight:600;line-height:.75;letter-spacing:.04em;color:transparent;
  -webkit-text-stroke:1px rgba(214,172,78,.14);pointer-events:none}
.crumb{position:relative;z-index:1;font-family:var(--mono);font-size:10px;
  letter-spacing:.12em;color:rgba(255,255,255,.58);margin-bottom:26px}
.crumb a{color:inherit;text-decoration:none}
.eyebrow{position:relative;z-index:1;font-family:var(--en);font-size:11px;font-weight:600;
  letter-spacing:.24em;text-transform:uppercase;color:var(--gold-lt);display:flex;
  align-items:center;gap:11px;margin-bottom:18px}
.eyebrow::before{content:"";width:28px;height:1px;background:currentColor}
.faq-hero h1{position:relative;z-index:1;color:#fff;font-size:clamp(34px,5vw,62px);
  letter-spacing:.02em;max-width:12em}
.faq-hero .lead{position:relative;z-index:1;margin-top:20px;max-width:52em;
  color:rgba(255,255,255,.74);font-size:clamp(15px,1.3vw,17px)}

.faq-main{padding:clamp(64px,8vw,112px) 0;background:var(--bg)}
.faq-layout{display:grid;grid-template-columns:270px minmax(0,1fr);gap:clamp(42px,7vw,96px);align-items:start}
.faq-side{position:sticky;top:106px}
.faq-side .label{font-family:var(--mono);font-size:10px;letter-spacing:.16em;
  color:var(--gold-dk);text-transform:uppercase}
.faq-side h2{font-size:clamp(23px,2.7vw,34px);margin-top:12px}
.faq-side p{margin-top:15px;color:var(--grey);font-size:14px}
.faq-side .btn{margin-top:24px}
.faq-groups{min-width:0}
.faq-group+.faq-group{margin-top:clamp(48px,6vw,72px)}
.faq-group-head{display:flex;align-items:baseline;gap:16px;padding-bottom:14px;
  border-bottom:2px solid var(--navy)}
.faq-group-head span{font-family:var(--mono);font-size:10px;letter-spacing:.14em;color:var(--gold-dk)}
.faq-group-head h2{font-size:clamp(19px,2vw,24px)}
details{border-bottom:1px solid var(--line-2)}
summary{position:relative;cursor:pointer;list-style:none;padding:22px 50px 22px 0;
  color:var(--navy);font-size:16px;font-weight:700;line-height:1.65}
summary::-webkit-details-marker{display:none}
summary::after{content:"＋";position:absolute;right:4px;top:18px;font-family:var(--en);
  font-size:21px;font-weight:300;color:var(--gold-dk)}
details[open] summary::after{content:"−"}
details p{padding:0 54px 23px 0;color:var(--grey);font-size:14.5px;line-height:1.9}
.faq-note{margin-top:36px;padding:20px 22px;background:var(--bg-2);border-left:3px solid var(--gold-dk);
  color:var(--grey);font-size:13px}

.cta-band{background:var(--navy);color:#fff;padding:clamp(38px,5vw,58px) 0;text-align:center}
.cta-band h2{color:#fff;font-size:clamp(20px,2.4vw,28px)}
.cta-band p{margin-top:9px;color:rgba(255,255,255,.72);font-size:14px}
.cta-band .btn{margin-top:22px;background:#fff;border-color:#fff;color:var(--navy)}
.cta-band .btn:hover{background:var(--gold-dk);border-color:var(--gold-dk);color:#fff}

footer{background:var(--navy-deep);color:#fff;padding:48px 0 26px}
.foot-top{display:flex;justify-content:space-between;align-items:flex-start;gap:36px}
.foot-mark{display:flex;align-items:flex-start;text-decoration:none;line-height:0}
.foot-mark img{height:62px;width:auto}
.foot-links{display:flex;flex-wrap:wrap;justify-content:flex-end;gap:12px 23px;max-width:720px}
.foot-links a{font-size:12.5px;color:rgba(255,255,255,.72);text-decoration:none}
.foot-links a:hover{color:var(--gold-lt)}
.disclaimer{margin-top:30px;padding-top:22px;border-top:1px solid rgba(255,255,255,.14);
  color:rgba(255,255,255,.45);font-size:10.5px;line-height:1.8}

@media(max-width:1050px){
  nav{gap:12px}nav a{font-size:12.5px}.bar{gap:15px}
}
@media(max-width:960px){
  nav{display:none}.menu-btn{display:block}.bar>.btn{display:none}
}
@media(max-width:760px){
  .faq-layout{grid-template-columns:1fr}.faq-side{position:static}
  .faq-side p{max-width:42em}.foot-top{flex-direction:column}.foot-links{justify-content:flex-start}
}
@media(max-width:520px){
  .bar{gap:10px}.mark img{height:36px}.lang{padding:6px 8px;font-size:11px;letter-spacing:.08em}
  .mnav-in{grid-template-columns:1fr}.faq-hero::after{display:none}
  summary{font-size:15px;padding-right:38px}details p{padding-right:8px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}