*{box-sizing:border-box}body{margin:0;font-family:"Pretendard","Noto Sans KR",-apple-system,"Apple SD Gothic Neo","Malgun Gothic",sans-serif;color:#18202c;background:#fff;line-height:1.7;word-break:keep-all}
a{color:#1f4fbf;text-decoration:none}a:hover{text-decoration:underline}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.sh-head{border-bottom:1px solid #e6eaf0;background:#fff}.sh-bar{height:64px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.logo{font-size:24px;font-weight:800;color:#18202c;letter-spacing:-.5px}.logo span{color:#c2530f}.logo:hover{text-decoration:none}
.sh-nav{display:flex;gap:4px;flex-wrap:wrap}.sh-nav a{color:#2a3442;padding:8px 12px;border-radius:8px;font-size:15px;font-weight:500}.sh-nav a[aria-current]{background:#eef3fd;color:#1f4fbf;font-weight:700}
.hero{background:#f3f6fc}.hero-in{display:grid;grid-template-columns:1.25fr 1fr;gap:40px;align-items:center;padding-top:56px;padding-bottom:56px}
.eyebrow{margin:0 0 10px;font-size:15px;font-weight:700;color:#1f4fbf}.hero h1{margin:0 0 14px;font-size:42px;line-height:1.28;letter-spacing:-1px}
.lead{margin:0 0 22px;font-size:17px;color:#3d4a5c}.cta{display:flex;flex-wrap:wrap;gap:10px;margin:0}
.btn{background:#1f4fbf;color:#fff;font-weight:700;padding:14px 22px;border-radius:12px;font-size:16px}.btn:hover{text-decoration:none;background:#163a8f}.btn.line{background:#fff;color:#1f4fbf;border:1.5px solid #1f4fbf;padding:12.5px 21px}
.rank{background:#fff;border-radius:18px;padding:24px;box-shadow:0 6px 22px rgba(20,40,90,.08)}.rank h2{margin:0 0 8px;font-size:17px}
.rank p{margin:0}.rank a{display:block;color:#18202c;padding:7px 0;font-size:15.5px}.rank b{color:#c2530f;margin-right:10px}
.sec{font-size:24px;margin:48px 0 18px}
.tiles{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.tile{border:1px solid #e3e8f0;border-radius:18px;padding:24px 26px;display:grid;grid-template-columns:56px 1fr;gap:18px}
.tile h3{margin:0 0 4px;font-size:20px}.tile h3 a{color:#18202c}.cnt{font-size:14px;font-weight:500;color:#5b6676}.tile-d{margin:0 0 12px;font-size:14.5px;color:#4a5568}
.ic{width:56px;height:56px;border-radius:16px;display:flex;align-items:center;justify-content:center}.ic-b{background:#e8eefc}.ic-o{background:#fdeee4}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:0;font-size:14px}.chips a{background:#f3f6fc;border-radius:999px;padding:7px 13px}.chips.big a{font-size:15px;padding:9px 16px}
.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.steps p{margin:0;border-top:3px solid #1f4fbf;padding-top:16px;font-size:15px}.steps strong{display:block;font-size:17px;margin-bottom:4px}
.crumb{font-size:14px;color:#5b6676;margin:24px 0 8px}
.hub-head{display:flex;gap:16px;align-items:center;margin-bottom:8px}.hub-head h1{margin:0;font-size:32px}.hub-head .lead{margin:4px 0 0}
.cards{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}.card{border:1px solid #e3e8f0;border-radius:14px;padding:16px;color:#18202c;display:block}
.card strong{display:block;font-size:16px;margin-bottom:4px}.card span{font-size:13.5px;color:#5b6676;line-height:1.55;display:block}.card:hover{border-color:#1f4fbf;text-decoration:none}
.jump{display:flex;flex-wrap:wrap;gap:6px;margin:0 0 8px}.jump a{border:1px solid #d9dee7;border-radius:8px;padding:4px 10px;font-size:14px}
.gk{font-size:18px;margin:26px 0 6px;color:#1f4fbf}.alist{margin:0;font-size:15px;line-height:2.1}
.doc{max-width:820px}.doc h1{font-size:32px;margin:6px 0 18px}.doc h2{font-size:21px;margin:34px 0 8px}.doc p{font-size:16px;color:#2a3442}
.note{font-size:14px!important;color:#5b6676!important;margin-top:32px}.others{font-size:14.5px}
.sh-foot{background:#18202c;margin-top:64px}.sh-foot-in{padding-top:28px;padding-bottom:28px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;font-size:14px;color:#b9c3d3}
.sh-foot p{margin:0}.sh-foot strong{color:#fff}.sh-foot .links{display:flex;gap:18px;flex-wrap:wrap}.sh-foot a{color:#b9c3d3}
@media(max-width:860px){.hero-in,.tiles,.steps{grid-template-columns:1fr}.cards{grid-template-columns:1fr 1fr}.hero h1{font-size:30px}.sh-bar{height:auto;padding-top:12px;padding-bottom:8px;flex-direction:column;align-items:flex-start}.tile{grid-template-columns:44px 1fr;padding:20px}.ic{width:44px;height:44px}}

/* eef.kr 생활 사무·행정 도우미 · coolo.css(2026-10-27 승인 골든 골격) 기반, 색 네이비/오렌지 · 2026-11-06
   AD_FRIENDLY: 카드·단계·예시는 모두 최상위 <p>에 클래스만 건다(본문 흐름에 광고 삽입 지점 유지) */
:root{--ink:#1b2333;--muted:#5b6475;--line:#e3e7ef;--bg:#fff;--card:#f5f7fb;--accent:#1f4fbf;--accent2:#f07a2e;--mark:#ffef9e;--th:#e8eefb;--ok:#14866d;--warn:#c2410c;--radius:12px}
*{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--ink);font-family:"Pretendard","Apple SD Gothic Neo","Noto Sans KR",system-ui,sans-serif;font-size:17px;line-height:1.75;word-break:keep-all}
article{max-width:760px;margin:0 auto;padding:24px 16px 48px;counter-reset:st}
h1{font-size:1.5rem;line-height:1.35;margin:0 0 16px;letter-spacing:-.01em}
h2{font-size:1.2rem;margin:40px 0 12px;padding-left:12px;border-left:4px solid var(--accent);line-height:1.4;counter-reset:st}
h3{font-size:1.05rem;margin:22px 0 6px}
p{margin:0 0 14px}
mark{background:var(--mark);padding:0 .2em;border-radius:3px;font-weight:600}
a{color:var(--accent);text-decoration:underline;text-underline-offset:3px}

/* 상단 요약 카드 */
.quick-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:16px;margin:20px 0 8px}
.quick-card table{width:100%;border-collapse:collapse;font-size:.95rem;background:var(--bg);border-radius:8px;overflow:hidden}
.quick-card caption{text-align:left;font-weight:700;padding:0 0 8px}
.quick-card th,.quick-card td{padding:9px 10px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.quick-card th{background:var(--th);font-weight:600;white-space:nowrap}
.quick-card tbody tr:last-child td{border-bottom:0}
.quick-card td:first-child{white-space:nowrap;color:var(--muted)}
.btns{display:flex;flex-wrap:wrap;gap:8px;margin:14px 0 10px}
.btn{display:inline-block;padding:10px 14px;border-radius:999px;border:1px solid var(--accent);color:var(--accent);text-decoration:none;font-size:.92rem;font-weight:600;background:var(--bg)}
.btn.primary{background:var(--accent);color:var(--bg);box-shadow:0 2px 0 rgba(0,0,0,.18)}
.btn:hover{filter:brightness(.95)}
.arr{display:inline-block;margin-left:4px;font-weight:800}
p.verified{font-size:.82rem;color:var(--muted);margin:0}

/* 쉽게 말하면 — 어려운 개념 풀이 상자 */
p.easy{background:#eef4ff;border:1px solid #c9d8fb;border-radius:10px;padding:12px 14px 12px 46px;position:relative}
p.easy::before{content:"쉽게";position:absolute;left:10px;top:12px;font-size:.72rem;font-weight:800;color:var(--bg);background:var(--accent);border-radius:6px;padding:2px 5px}

/* 번호 단계 카드 — 순서가 있는 절차 */
p.step{position:relative;background:var(--bg);border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:10px;padding:12px 14px 12px 54px;margin:0 0 10px}
p.step::before{counter-increment:st;content:counter(st);position:absolute;left:14px;top:12px;width:28px;height:28px;border-radius:50%;background:var(--accent);color:var(--bg);font-weight:800;font-size:.9rem;display:flex;align-items:center;justify-content:center}
p.step strong{display:block;color:var(--accent)}

/* 금액·선택지 비교 카드 */
p.pick{display:flex;flex-wrap:wrap;align-items:baseline;gap:4px 12px;background:var(--card);border:1px solid var(--line);border-radius:10px;padding:12px 14px;margin:0 0 8px}
p.pick strong{min-width:7.5em}
p.pick b{font-size:1.15rem;color:var(--accent2)}
p.pick span{color:var(--muted);font-size:.9rem;flex-basis:100%}
p.pick.best{border-color:var(--ok);background:#effaf6}
p.pick.best b{color:var(--ok)}

/* 상황 예시 */
p.case{background:#fff8f2;border-left:4px solid var(--accent2);border-radius:8px;padding:12px 14px}
p.case strong{display:block;color:var(--warn);margin-bottom:4px}

/* 주의 */
p.warn{background:#fff4ed;border:1px solid #fed7aa;border-radius:10px;padding:10px 14px;font-size:.95rem}
p.warn::before{content:"주의 ";font-weight:800;color:var(--warn)}

/* 표 */
table.course-table{width:100%;border-collapse:collapse;font-size:.92rem;margin:8px 0 16px}
table.course-table th,table.course-table td{padding:8px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
table.course-table th{background:var(--th);font-weight:600}
table.course-table caption{text-align:left;font-weight:700;padding:0 0 6px}

/* 계산기 */
.calc{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:16px;margin:18px 0 10px}
.calc label{display:block;font-weight:600;font-size:.93rem;margin:10px 0 4px}
.calc input,.calc select{width:100%;max-width:320px;font:inherit;padding:9px 10px;border:1px solid var(--line);border-radius:8px;background:var(--bg);color:var(--ink)}
.calc .row{display:flex;flex-wrap:wrap;gap:0 14px}
.calc .row>div{flex:1 1 220px}
.calc button{margin-top:14px;font:inherit;font-weight:700;padding:10px 18px;border-radius:999px;border:0;background:var(--accent);color:var(--bg);cursor:pointer}
.calc .chips{display:flex;flex-wrap:wrap;gap:6px;margin:8px 0 0}
.calc .chips button{margin:0;padding:4px 10px;font-size:.82rem;font-weight:600;background:var(--bg);color:var(--accent);border:1px solid var(--accent)}
.calc .hint{font-size:.85rem;color:var(--muted);margin:6px 0 0}
.calc-out{margin:14px 0 0}
.calc-out .res{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}
.calc-out .res div{background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:10px 12px}
.calc-out .res small{display:block;color:var(--muted);font-size:.8rem}
.calc-out .res b{font-size:1.15rem}
.calc-out .res .main{border-color:var(--accent2)}
.calc-out .res .main b{color:var(--accent2)}
.calc-out .bar{display:flex;height:14px;border-radius:7px;overflow:hidden;margin:10px 0 4px}
.calc-out .bar i{display:block;background:var(--accent)}
.calc-out .bar i+i{background:var(--accent2)}

dl.faq{margin:8px 0 24px}
dl.faq dt{font-weight:700;margin:16px 0 4px;padding-left:22px;position:relative}
dl.faq dt::before{content:"Q";position:absolute;left:0;color:var(--accent2);font-weight:800}
dl.faq dd{margin:0 0 0 22px}

/* 중간 관련 글 묶음 / 하단 행동 카드 / 관련 글 */
.linkbox{display:flex;flex-wrap:wrap;gap:8px;align-items:center;background:#f6f8fd;border:1px dashed #b9c8ee;border-radius:10px;padding:10px 12px;margin:6px 0 20px;font-size:.92rem}
.linkbox strong{color:#23407f;margin-right:4px}
.linkbox a{background:var(--bg);border:1px solid #b9c8ee;border-radius:999px;padding:5px 11px;text-decoration:none;color:#23407f;font-weight:600}
.cta-card{display:grid;gap:10px;margin:12px 0 18px}
.cta{display:grid;grid-template-columns:1fr auto;grid-template-rows:auto auto;align-items:center;gap:0 10px;padding:14px 16px;border:1px solid var(--line);border-radius:12px;background:linear-gradient(180deg,var(--bg),var(--card));text-decoration:none;color:var(--ink);box-shadow:0 1px 2px rgba(0,0,0,.04)}
.cta strong{font-size:1rem;color:var(--accent)}
.cta span:not(.arr){grid-column:1;font-size:.85rem;color:var(--muted)}
.cta .arr{grid-column:2;grid-row:1/3;font-size:1.6rem;color:var(--accent2)}
.related{margin:36px 0 0;padding:16px;border:1px solid var(--line);border-radius:var(--radius)}
.related h2{font-size:1.05rem;margin:0 0 10px;border:0;padding:0}
.related ul{margin:0;padding:0;list-style:none;display:grid;grid-template-columns:1fr;gap:6px}
.related a{display:block;padding:8px 10px;border-radius:8px;background:var(--card);text-decoration:none;font-weight:600}
footer.source{margin-top:28px;padding-top:14px;border-top:1px solid var(--line);font-size:.82rem;color:var(--muted)}

@media (min-width:600px){.cta-card{grid-template-columns:1fr 1fr 1fr}.related ul{grid-template-columns:1fr 1fr}}
@media (max-width:480px){
  body{font-size:16px}h1{font-size:1.3rem}
  .quick-card,.calc{padding:12px}
  .quick-card td:first-child,.quick-card th{white-space:normal}
  .calc-out .res{grid-template-columns:1fr}
  table.course-table{display:block;overflow-x:auto;white-space:nowrap}
  table.course-table.wrap{display:table;white-space:normal}
}

/* 글 페이지 보정: eef.css 의 요소 선택자가 셸 헤더·푸터에 번지지 않게 */
.sh-head a,.sh-foot a{text-decoration:none}.sh-foot p{margin:0;font-size:14px}.sh-head .logo{color:#18202c}
.art-crumb{max-width:760px;margin:0 auto;padding:18px 16px 0;font-size:14px;color:#5b6676}.art-crumb a{text-decoration:none}

@media(max-width:860px){.sh-nav{flex-wrap:nowrap;overflow-x:auto;max-width:100%;-webkit-overflow-scrolling:touch}.sh-nav a{white-space:nowrap;padding:6px 10px}}