/* Shared base styles (extracted from index.html) for sub pages */
@import url('https://fonts.googleapis.com/css2?family=DM+Serif+Display&family=Noto+Sans+KR:wght@300;400;500;600;700;800;900&display=swap');
:root{--navy:#0b1d34;--deep:#071629;--gold:#c4a16b;--gold2:#e7d1a4;--ink:#19283c;--muted:#647083;--cream:#faf8f4;--line:#e5e8ec;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:white;color:var(--ink);font:15px/1.75 'Noto Sans KR',sans-serif;word-break:keep-all}a{text-decoration:none;color:inherit}button,input,select,textarea{font:inherit}button{cursor:pointer}img{display:block;max-width:100%}section{scroll-margin-top:90px}.wrap{width:min(1180px,calc(100% - 48px));margin:0 auto}.muted{color:var(--muted)}.eyebrow{color:var(--gold);letter-spacing:.22em;font-size:11px;font-weight:800;text-transform:uppercase}.tag{font-size:12px;font-weight:700;color:#916f42;background:#f8f1e7;border-radius:999px;padding:7px 12px;display:inline-flex}.section-title{font-size:clamp(28px,3vw,42px);line-height:1.4;letter-spacing:-.055em;margin:12px 0 18px;font-weight:800}.lead{color:var(--muted);font-size:16px;line-height:1.9}.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:15px 22px;border-radius:7px;font-weight:800;transition:.2s;border:1px solid transparent;white-space:nowrap}.btn:hover{transform:translateY(-2px)}.btn-gold{background:var(--gold);color:#111d2d}.btn-gold:hover{background:#d3b27d}.btn-outline{border-color:#d4dbe3;background:transparent;color:var(--ink)}.btn-dark{background:var(--navy);color:#fff}.topline{background:var(--deep);color:#dce4ef;text-align:right;font-size:11px;padding:7px 0;letter-spacing:.02em}.topline span{opacity:.7}.header{position:sticky;top:0;background:rgba(255,255,255,.97);backdrop-filter:blur(16px);border-bottom:1px solid #edf0f2;z-index:20}.nav{height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:13px}.brand-symbol{width:39px;height:39px;background:var(--navy);color:var(--gold2);display:grid;place-items:center;border-radius:7px;font:23px 'DM Serif Display',serif}.brand strong{display:block;font-weight:900;font-size:18px;letter-spacing:-.04em;line-height:1.25}.brand small{display:block;font-size:10px;letter-spacing:.14em;color:#8b929b;margin-top:2px}.menu{display:flex;align-items:center;gap:29px;font-size:13px;font-weight:700;color:#39495d}.menu a:hover{color:#b48e57}.navcta{background:var(--navy);color:white;padding:12px 18px;border-radius:6px;font-size:12px;font-weight:800}.hamburger{display:none;background:none;border:0;font-size:26px}.hero{background:linear-gradient(125deg,#08192d 0%,#102943 56%,#1d3a55 100%);position:relative;color:white;overflow:hidden}.hero:before{content:'';position:absolute;width:700px;height:700px;border:1px solid #ffffff10;border-radius:50%;right:-180px;top:-230px;box-shadow:0 0 0 85px #ffffff04,0 0 0 175px #ffffff04}.hero:after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,transparent 78%,#c4a16b14);pointer-events:none}.hero-inner{min-height:638px;display:grid;grid-template-columns:1.06fr .94fr;position:relative;z-index:1;align-items:end;gap:30px}.hero-copy{padding:97px 0 103px}.hero-mark{display:inline-flex;align-items:center;gap:11px;font-size:11px;letter-spacing:.21em;font-weight:800;color:#e0c494}.hero-mark:before{content:'';width:33px;height:1px;background:var(--gold)}h1{font-size:clamp(39px,4.5vw,62px);line-height:1.34;letter-spacing:-.075em;margin:28px 0 24px;font-weight:800}h1 em{font-style:normal;color:var(--gold2)}.hero-copy>p{color:#d3dae3;font-size:16px;line-height:2;max-width:520px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:36px}.hero-actions .btn-outline{color:#fff;border-color:#607084}.hero-proof{margin-top:48px;display:flex;align-items:center;gap:26px;flex-wrap:wrap;color:#e4e8ee;font-size:12px}.hero-proof span{display:flex;align-items:center;gap:8px}.hero-proof b{color:var(--gold2);font-size:18px}.hero-portrait{align-self:stretch;display:flex;align-items:end;justify-content:center;position:relative;min-width:0}.portrait-halo{position:absolute;width:490px;height:490px;bottom:36px;border-radius:50%;background:radial-gradient(circle,#d4b78935 0,#d4b7890b 55%,transparent 70%);filter:blur(5px)}.hero-portrait img{position:relative;height:580px;width:auto;max-width:100%;object-fit:cover;object-position:center top;filter:drop-shadow(0 15px 35px #0005);border-radius:180px 180px 0 0;mask-image:linear-gradient(to bottom,#000 80%,transparent 100%)}.portrait-caption{position:absolute;bottom:56px;right:0;z-index:2;padding:18px 24px;background:#ffffffed;color:var(--navy);border-left:4px solid var(--gold);box-shadow:0 18px 50px #0002}.portrait-caption strong{font-size:17px}.portrait-caption small{display:block;font-size:11px;color:#68768a}.quickbar{background:#fff;box-shadow:0 16px 42px #11274512;position:relative;z-index:3;margin-top:-36px;border-radius:11px;display:grid;grid-template-columns:repeat(4,1fr);padding:22px}.quick-item{padding:12px 22px;display:flex;gap:14px;align-items:center;border-right:1px solid var(--line);transition:.2s}.quick-item:last-child{border:0}.quick-item:hover{background:#f9f7f3;border-radius:7px}.quick-icon{background:#f8f2e9;color:#9f7c4e;width:47px;height:47px;display:grid;place-items:center;flex-shrink:0;border-radius:10px;font-size:22px}.quick-item strong{font-size:14px;display:block}.quick-item small{font-size:11px;color:#788292}.intro{padding:125px 0 105px}.intro-grid{display:grid;grid-template-columns:1fr 1fr;gap:90px;align-items:center}.intro-visual{height:460px;background:linear-gradient(145deg,#e8e1d5,#f7f5f1);border-radius:10px;position:relative;overflow:hidden;display:flex;align-items:center;justify-content:center}.intro-visual:before{content:'MY INS CARE';position:absolute;color:#fff9;font:56px 'DM Serif Display',serif;transform:rotate(-90deg);left:-118px;bottom:150px}.intro-visual img{height:96%;width:auto;object-fit:contain;object-position:bottom;position:relative;z-index:1}.intro-box{position:absolute;bottom:22px;right:22px;z-index:2;background:var(--navy);padding:20px 26px;color:white;border-radius:5px;box-shadow:0 10px 35px #0002}.intro-box strong{font:28px 'DM Serif Display',serif;color:var(--gold2)}.intro-box small{display:block;font-size:11px;color:#d6dee7}.signature{font-size:21px;font-weight:800;margin-top:25px;color:var(--navy)}.signature small{font-size:13px;color:#697689;font-weight:500;margin-left:5px}.checkrow{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:26px}.checkrow span{font-size:13px;font-weight:700}.checkrow span:before{content:'✓';color:#b48c54;font-weight:900;margin-right:8px}.services{background:#f7f8fa;padding:110px 0}.center{text-align:center}.section-sub{max-width:600px;margin:0 auto 42px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.service-card{background:white;padding:35px 30px;border:1px solid #e9ecef;border-radius:9px;box-shadow:0 8px 20px #101d3007;transition:.2s}.service-card:hover{transform:translateY(-5px);box-shadow:0 18px 36px #132b4613}.card-icon{font-size:29px;width:60px;height:60px;background:#f9f2e7;display:grid;place-items:center;border-radius:12px;margin-bottom:22px}.service-card h3{font-size:19px;letter-spacing:-.03em;margin:0 0 11px}.service-card p{color:#6b7787;font-size:13px;margin:0}.service-card .link{margin-top:22px;display:inline-flex;color:#a27f4f;font-weight:800;font-size:12px}.steps{padding:108px 0;background:white}.step-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:17px;margin-top:45px}.step{border-top:2px solid var(--gold);padding:27px 15px 10px 0}.step .num{font:36px 'DM Serif Display',serif;color:#c3a372}.step h3{font-size:17px;margin:12px 0 7px}.step p{font-size:13px;color:#74808d;margin:0}.banner{background:var(--navy);color:white;padding:55px 0;background-image:radial-gradient(circle at 85% 20%,#c7aa7a2c,transparent 36%)}.banner-inner{display:flex;align-items:center;justify-content:space-between;gap:30px}.banner h2{font-size:26px;letter-spacing:-.05em;margin:6px 0 8px}.banner p{color:#d1dae4;font-size:13px;margin:0}.insights{padding:110px 0;background:#fbfaf8}.tabs{display:flex;gap:8px;justify-content:center;flex-wrap:wrap;margin:32px 0}.tab{background:white;color:#5b697c;border:1px solid #e1e4e8;border-radius:999px;padding:10px 20px;font-weight:700;font-size:12px}.tab.active{color:white;background:var(--navy);border-color:var(--navy)}.articles{display:grid;grid-template-columns:repeat(3,1fr);gap:19px}.article{background:white;border:1px solid #e9e7e2;border-radius:9px;overflow:hidden;display:flex;flex-direction:column}.article-art{height:158px;padding:24px 27px;background:linear-gradient(135deg,#0e2945,#234461);display:flex;justify-content:space-between;align-items:end;color:#e6d5b6}.article:nth-child(2n) .article-art{background:linear-gradient(135deg,#e8e3d9,#c4baaa);color:#4a5a68}.article:nth-child(3n) .article-art{background:linear-gradient(135deg,#374758,#83919b);color:white}.article-art b{font:48px 'DM Serif Display',serif;opacity:.8}.article-art span{font-size:12px;font-weight:800;letter-spacing:.1em}.article-body{padding:24px 25px 27px;flex:1;display:flex;flex-direction:column}.article-body h3{font-size:17px;line-height:1.6;margin:13px 0 8px;letter-spacing:-.03em}.article-body p{font-size:12px;color:#7d8894;line-height:1.85;flex:1}.readmore{border:none;background:none;padding:0;margin-top:12px;text-align:left;font-size:12px;color:#94703f;font-weight:800}.faq{padding:100px 0}.faq-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:80px}.faq details{border-bottom:1px solid #e5e8ec;padding:18px 0}.faq summary{font-weight:800;font-size:14px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:14px}.faq summary:after{content:'+';color:#ad864e;font-size:22px;line-height:1}.faq details[open] summary:after{content:'−'}.faq details p{color:#697687;font-size:13px;margin:15px 0 4px}.contact{background:#f4f5f7;padding:110px 0}.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:80px;align-items:start}.contact-points{margin-top:32px}.contact-points p{border-bottom:1px solid #dfe3e8;padding:12px 0;font-size:13px}.formcard{background:#fff;border:1px solid #e8e9ea;border-radius:11px;box-shadow:0 22px 65px #12284213;padding:37px}.formcard h3{margin:0 0 7px;font-size:23px}.formcard .help{font-size:12px;color:#718093;margin-bottom:24px}.fields{display:grid;grid-template-columns:1fr 1fr;gap:15px}.field{display:flex;flex-direction:column;gap:7px}.field.full{grid-column:1/-1}.field label{font-size:12px;font-weight:800}.field input,.field select,.field textarea{border:1px solid #dfe3e8;background:#fafbfc;padding:12px 14px;width:100%;border-radius:6px;color:#203049;outline:none}.field :is(input,select,textarea):focus{border-color:#ad8753;background:white}.consent{font-size:11px;color:#68768a;display:flex;gap:8px;align-items:flex-start;margin:18px 0}.consent input{margin-top:5px;accent-color:#a87e49}.formcard .btn{width:100%}.tiny{font-size:11px;color:#8993a0;line-height:1.7;margin-top:11px}.footer{background:#09192d;color:#bac6d4;padding:55px 0 38px}.footgrid{display:grid;grid-template-columns:1.2fr .8fr;gap:60px}.footer .brand strong{color:white}.footer p{font-size:12px;color:#9baabc;line-height:2}.footlinks{display:flex;gap:24px;justify-content:flex-end;align-items:start;font-size:12px}.footlinks a{text-decoration:underline;text-underline-offset:4px}.copyright{border-top:1px solid #ffffff23;margin-top:32px;padding-top:22px;font-size:11px;color:#7e91a5}.floating{position:fixed;right:24px;bottom:22px;background:var(--gold);color:#142336;border:0;z-index:19;border-radius:999px;padding:15px 20px;box-shadow:0 9px 25px #0003;font-size:12px;font-weight:900}.modal{position:fixed;inset:0;background:#071629bc;z-index:40;display:none;align-items:center;justify-content:center;padding:20px}.modal.show{display:flex}.modal-inner{width:min(670px,100%);max-height:85vh;overflow:auto;background:white;border-radius:12px;padding:36px;box-shadow:0 30px 90px #0005}.modal-close{float:right;border:0;background:#eef1f4;border-radius:50%;width:34px;height:34px}.modal-inner h2{font-size:25px;line-height:1.5;margin:20px 0}.modal-inner p,.modal-inner li{font-size:14px;color:#5f6d7e;line-height:1.95}.notice{background:#fff8e9;border:1px solid #f2e1bd;padding:12px 16px;border-radius:5px;font-size:12px;color:#795f36;margin:16px 0}
@media(max-width:980px){.menu{gap:14px}.hero-inner{min-height:580px}.hero-copy{padding:75px 0}.hero-portrait img{height:495px}.quick-item{padding:10px}.quickbar{padding:13px}.intro-grid,.contact-grid{gap:45px}.cards{gap:12px}.service-card{padding:25px}.faq-grid{gap:40px}}@media(max-width:760px){.wrap{width:min(100% - 36px,1180px)}.topline{display:none}.nav{height:66px}.brand strong{font-size:16px}.menu{display:none;position:absolute;top:66px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:16px 24px;box-shadow:0 22px 26px #0002}.menu.open{display:flex}.menu a{padding:9px}.navcta{display:none}.hamburger{display:block}.hero-inner{display:flex;flex-direction:column;min-height:0;gap:0}.hero-copy{width:100%;padding:67px 0 0;position:relative;z-index:2}.hero-copy h1{font-size:clamp(35px,8vw,49px);margin:20px 0}.hero-copy>p{font-size:14px}.hero-actions{margin-top:25px}.hero-actions .btn{padding:12px 15px;font-size:12px}.hero-proof{margin-top:27px;gap:12px;font-size:10px}.hero-portrait{height:355px;width:100%;margin-top:3px}.hero-portrait img{height:375px;max-width:92%;border-radius:140px 140px 0 0}.portrait-caption{bottom:18px;right:0;padding:10px 14px}.portrait-caption strong{font-size:13px}.portrait-caption small{font-size:9px}.quickbar{grid-template-columns:1fr 1fr;margin-top:0;border-radius:0;padding:12px 8px}.quick-item{padding:13px 7px;border-bottom:1px solid #e8ebef}.quick-item:nth-child(2){border-right:0}.quick-item:nth-child(n+3){border-bottom:0}.quick-icon{width:37px;height:37px;font-size:18px}.quick-item strong{font-size:12px}.quick-item small{font-size:10px}.intro,.services,.steps,.insights,.faq,.contact{padding:75px 0}.intro-grid,.faq-grid,.contact-grid{grid-template-columns:1fr;gap:33px}.intro-visual{height:360px;max-width:480px;width:100%;margin:auto}.intro-visual img{height:96%}.cards,.articles{grid-template-columns:1fr 1fr}.step-grid{grid-template-columns:1fr 1fr}.banner-inner{align-items:start;flex-direction:column}.section-title{font-size:30px}.lead{font-size:14px}.footgrid{grid-template-columns:1fr;gap:22px}.footlinks{justify-content:flex-start}.floating{right:15px;bottom:14px}}@media(max-width:480px){.cards,.articles{grid-template-columns:1fr}.service-card{padding:27px}.articles .article-art{height:130px}.fields{grid-template-columns:1fr}.faq-grid{gap:20px}.formcard{padding:25px 20px}.hero-proof{flex-wrap:wrap}.hero-copy>p br{display:none}}

/* Sub pages (thank-you, privacy) */
.subpage{background:#f4f5f7;padding:96px 0 110px;min-height:calc(100vh - 300px)}
.subpage-card{max-width:760px;margin:0 auto;background:#fff;border:1px solid #e8e9ea;border-radius:11px;box-shadow:0 22px 65px #12284213;padding:52px 48px}
.subpage-card h1{font-size:clamp(26px,3vw,36px);line-height:1.4;letter-spacing:-.055em;margin:12px 0 14px;font-weight:800}
.subpage-card h2{font-size:17px;letter-spacing:-.03em;margin:34px 0 10px;color:#142b46}
.subpage-card p,.subpage-card li{color:#4e5b6c;font-size:14px}
.subpage-card ul{padding-left:20px;margin:8px 0}
.done-mark{width:68px;height:68px;border-radius:50%;background:var(--navy);color:var(--gold2);display:grid;place-items:center;font-size:30px;margin-bottom:22px;box-shadow:0 0 0 9px #c4a16b22}
.summary{margin:28px 0;border-top:1px solid var(--line)}
.summary div{display:grid;grid-template-columns:130px 1fr;gap:12px;padding:14px 0;border-bottom:1px solid var(--line);font-size:14px}
.summary dt{color:#a78960;font-size:11px;letter-spacing:.12em;font-weight:900;padding-top:2px}
.summary dd{margin:0;font-weight:700;color:#1a293b}
.next-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:26px 0 30px}
.next-steps div{background:#f7f8fa;border:1px solid #eceef1;border-radius:12px;padding:18px}
.next-steps b{display:block;color:#b68f56;font-size:14px;margin-bottom:4px}
.next-steps span{font-size:13px;color:#26374b;font-weight:700;line-height:1.6}
.sub-actions{display:flex;flex-wrap:wrap;gap:10px}
.policy-table{width:100%;border-collapse:collapse;margin:10px 0;font-size:13px}
.policy-table th,.policy-table td{border:1px solid var(--line);padding:11px 13px;text-align:left;vertical-align:top}
.policy-table th{background:#f7f8fa;width:150px;color:#26374b}
@media(max-width:760px){.subpage{padding:60px 0 75px}.subpage-card{padding:34px 22px}.next-steps{grid-template-columns:1fr}.summary div{grid-template-columns:1fr;gap:2px}.policy-table th{width:105px}}