/* KEFC 디자인 v3 — 옛 홈페이지 틀(로고·메뉴 6·사진 배너·공지 띠) + 기관 안내 · 모바일 먼저 */
:root{
  --navy:#0F2942; --navy-d:#0B1F3A; --blue:#1B5CA6; --blue-50:#EEF4FB; --gold:#DD902A; --gold-l:#F5C77E;
  --bg:#F8FAFC; --card:#fff; --ink:#0F172A; --sub:#475569; --mute:#64748B; --line:#E2E8F0;
  --r:16px; --shadow:0 1px 2px rgba(15,41,66,.06),0 10px 30px rgba(15,41,66,.10);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.7 "Noto Sans KR",-apple-system,"Apple SD Gothic Neo","Malgun Gothic",sans-serif;padding-bottom:68px;word-break:keep-all}
a{color:inherit}
img,svg{max-width:100%}
.wrap{max-width:1160px;margin:0 auto;padding:0 16px}
.narrow{max-width:800px}
.skip{position:absolute;left:-9999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}
.ico{width:22px;height:22px;stroke:var(--blue);stroke-width:2;fill:none;stroke-linecap:round;stroke-linejoin:round;flex:none}

/* 상단 공고 띠 */
.util{background:var(--navy-d);color:#cbd5e1;font-size:13px;border-bottom:1px solid rgba(255,255,255,.08)}
.util-in{display:flex;align-items:center;gap:8px;height:36px;overflow:hidden;white-space:nowrap}
.util a{color:#fff;text-decoration:none;overflow:hidden;text-overflow:ellipsis}
.util-tag{background:var(--cta);color:#fff;font-weight:700;border-radius:4px;padding:0 6px;font-size:12px}
.util-org{color:var(--gold-l);font-weight:700}

/* 머리 */
.hd{background:#fff;border-bottom:3px solid var(--blue);position:sticky;top:0;z-index:20}
.hd-in{display:flex;align-items:center;gap:20px;height:66px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;min-width:0}
.mark{width:42px;height:42px;flex:none}
.brand-t{min-width:0}
.brand-t b{display:block;font-size:17px;color:var(--navy);letter-spacing:-.02em;line-height:1.2}
.brand-t small{display:block;font-size:11px;color:var(--mute);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.gnb{display:none;gap:20px;margin-left:auto}
.gnb a{text-decoration:none;font-weight:500;color:var(--ink);font-size:15px;white-space:nowrap}
.gnb a:hover,.gnb a[aria-current]{color:var(--blue)}
.hd-cta{display:none;align-items:center;gap:8px}
.hd-tel{display:flex;align-items:center;gap:8px;text-decoration:none;border:1.5px solid var(--navy);border-radius:999px;padding:5px 14px 5px 6px}
.hd-tel i{width:28px;height:28px;border-radius:50%;background:var(--navy);display:flex;align-items:center;justify-content:center}
.hd-tel i .ico{stroke:#fff;width:16px;height:16px}
.hd-tel span{display:block;font-size:10.5px;color:var(--mute);line-height:1.1}
.hd-tel b{display:block;color:var(--navy);font-size:17px;line-height:1.1;letter-spacing:.01em}
.hd-apply{text-decoration:none;background:var(--cta);color:#fff;font-weight:700;border-radius:999px;padding:10px 16px;font-size:14px;white-space:nowrap}

/* 첫 화면(홈) — 옛 배너 사진(글자 없는 부분) + 네이비 덮개 + HTML 글자 */
.hero{position:relative;color:#fff;background:var(--navy-d);padding:44px 0 40px;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(11,31,58,.94) 0%,rgba(11,31,58,.82) 55%,rgba(11,31,58,.55) 100%)}
.hero .wrap{position:relative}
.hero-in{display:grid;gap:10px;max-width:1160px}
.hero-en{margin:0;color:#cbd5e1;font-size:14px;letter-spacing:.02em}
.hero h1{margin:0;font-size:32px;line-height:1.25;letter-spacing:-.03em;font-weight:800}
.hero h1 small{display:block;font-size:15px;font-weight:700;color:var(--gold-l);letter-spacing:0;margin-bottom:6px}
.hero-slogan{margin:4px 0 8px;color:#e2e8f0;font-size:15.5px}
.hero-btns{display:flex;flex-wrap:wrap;gap:8px}
.hero-btns .btn{width:auto;padding:12px 18px;font-size:15px}
.btn.ghost{background:transparent;border:1.5px solid rgba(255,255,255,.7);color:#fff}
.lead{margin:0 0 14px;color:#cbd5e1;font-size:15px}
.badge{display:inline-flex;align-items:center;gap:6px;border:1px solid rgba(245,199,126,.55);color:var(--gold-l);background:rgba(221,144,42,.12);border-radius:999px;padding:4px 12px;font-size:12.5px;font-weight:700}
.badge .ico{stroke:var(--gold-l);width:15px;height:15px}

/* 공지 띠 · 바로가기 */
.noticebar{background:#F1F5F9;border-bottom:1px solid var(--line)}
.nb-in{display:grid;grid-template-columns:auto 1fr auto;gap:4px 14px;align-items:center;padding-block:12px;font-size:14.5px}
.nb-in b{color:var(--navy)}
.nb-in a{text-decoration:none;min-width:0;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.nb-in time{display:none;color:var(--mute);font-size:13px}
.nb-in .more{color:var(--blue)}
.quick{background:#fff;border-bottom:1px solid var(--line)}
.quick-in{display:grid;grid-template-columns:repeat(3,1fr);gap:0}
.qm{display:flex;flex-direction:column;align-items:center;gap:6px;padding:16px 4px;text-decoration:none;color:var(--ink);border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.qm:nth-child(3n){border-right:0}
.qm-i{width:46px;height:46px;border-radius:50%;background:var(--blue-50);display:flex;align-items:center;justify-content:center}
.qm b{font-size:14.5px;font-weight:500}
.qm:hover b{color:var(--blue)}
.intro{display:grid;gap:16px}
.intro h2{margin:0 0 8px;font-size:21px;color:var(--navy)}
.lead-d{margin:0;color:#334155}
.intro-pts{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.intro-pts li{display:grid;gap:2px;border-left:3px solid var(--blue);padding:4px 0 4px 12px}
.intro-pts b{color:var(--navy)}
.intro-pts span{font-size:14px;color:var(--mute)}

/* 하위 페이지 머리 */
.phero{color:#fff;background:linear-gradient(160deg,var(--navy-d),var(--navy));padding:20px 0 26px;position:relative;overflow:hidden}
.phero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);background-size:32px 32px;mask-image:linear-gradient(180deg,#000,transparent);pointer-events:none}
.phero .wrap{position:relative}
.crumb{font-size:13px;color:#94a3b8;margin-bottom:10px}
.crumb a{color:#cbd5e1;text-decoration:none}
.phero h1{margin:10px 0 8px;font-size:25px;line-height:1.35;letter-spacing:-.02em}
.phero .kw{margin:0;color:#cbd5e1;font-size:14.5px}
.tagrow{display:flex;flex-wrap:wrap;gap:6px;margin-top:10px}

/* 간편 상담신청서 */
.wz{background:var(--card);color:var(--ink);border-radius:16px;box-shadow:var(--shadow);padding:18px}
.wz-hd{display:flex;justify-content:space-between;align-items:center}
.wz h2,.wz h3{margin:0;font-size:18px;color:var(--navy)}
.wz-step{font-size:13px;color:var(--mute);font-weight:700}
.bar{height:6px;background:var(--blue-50);border-radius:9px;margin:10px 0 12px;overflow:hidden}
.bar i{display:block;height:100%;background:var(--blue);border-radius:9px;transition:width .25s}
.wz-picked{margin:0 0 10px;font-size:13.5px;color:var(--blue);font-weight:500}
.q{display:none;border:0;margin:0;padding:0;min-width:0}
.q.is-on{display:block}
.q legend{font-size:16.5px;font-weight:700;margin-bottom:10px;padding:0}
.opts{display:grid;gap:8px}
.opts.grid3{grid-template-columns:repeat(3,1fr)}
.opts button{font:inherit;font-weight:500;text-align:left;background:#fff;border:1.5px solid var(--line);border-radius:10px;padding:12px 14px;cursor:pointer;color:var(--ink)}
.opts.grid3 button{text-align:center;padding:10px 4px}
.opts button small{color:var(--mute);font-size:13px;margin-left:4px}
.opts button:hover,.opts button:focus-visible{border-color:var(--blue);background:var(--blue-50);outline:none}
.wz-fields{display:grid;gap:6px}
.wz-fields label{font-size:14px;font-weight:500}
.wz-fields input:not([type=checkbox]){font:inherit;border:1.5px solid var(--line);border-radius:10px;padding:12px;margin-bottom:6px}
.wz-fields input:focus{outline:none;border-color:var(--blue)}
.wz-fields .agree{display:flex;gap:6px;align-items:center;font-weight:400;color:var(--sub);margin:4px 0 8px}
.wz-fields .agree a{color:var(--blue)}
.wz-done{margin:10px 0 0;font-size:14px;color:#047857;background:#ECFDF5;border-radius:10px;padding:10px 12px}
.wz-foot{display:flex;justify-content:space-between;align-items:center;margin-top:10px}
.wz-back{background:none;border:0;color:var(--mute);font:inherit;cursor:pointer;padding:4px 0}
.wz-tel{margin-left:auto;font-weight:700;color:var(--navy);text-decoration:none;font-size:14.5px}
.btn{display:block;text-align:center;text-decoration:none;font-weight:700;border-radius:12px;padding:14px;background:var(--cta);color:#fff;border:0;font-size:16px;width:100%;cursor:pointer}
.btn.line{background:#fff;color:var(--navy);border:1.5px solid var(--navy)}
.note{font-size:13px;color:var(--mute)}

/* 구역 */
.sec{padding:40px 0}
.sec.alt{background:#fff}
.sec-hd{margin-bottom:18px}
.sec-hd.row{display:flex;justify-content:space-between;align-items:baseline;gap:12px}
.sec-hd h2{margin:0 0 6px;font-size:21px;letter-spacing:-.02em;color:var(--navy)}
.sec-hd p{margin:0;color:var(--sub);font-size:15px}
.more{color:var(--blue);text-decoration:none;font-size:14px;white-space:nowrap}
.cards{display:grid;gap:10px;grid-template-columns:repeat(2,1fr)}
.card{display:flex;flex-direction:column;gap:2px;text-decoration:none;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:16px;transition:border-color .15s,transform .15s}
.sec.alt .card{background:var(--bg)}
.card:hover{border-color:var(--blue);transform:translateY(-2px)}
.card b{display:block;font-size:17px;color:var(--navy);margin:6px 0 0;line-height:1.35}
.card .kwd{font-size:13px;color:var(--blue);font-weight:500}
.card span.d{display:block;font-size:13.5px;color:var(--mute);line-height:1.45}
.card .ibox{width:40px;height:40px;border-radius:11px;background:var(--blue-50);display:flex;align-items:center;justify-content:center}
.tag{display:inline-block;font-size:12px;font-weight:700;border-radius:6px;padding:1px 8px;align-self:flex-start}
.t-loan{background:var(--blue-50);color:var(--blue)}
.t-gua{background:#ECFDF5;color:#047857}
.t-exp{background:#FFF7ED;color:#C2410C}
.t-std{background:rgba(255,255,255,.12);color:#e2e8f0}

/* 지역 매트릭스 */
.regions{display:flex;gap:6px;overflow-x:auto;padding-bottom:6px;margin-bottom:12px;scrollbar-width:thin}
.regions button{font:inherit;font-size:14px;font-weight:500;border:1.5px solid var(--line);background:#fff;border-radius:999px;padding:7px 14px;cursor:pointer;white-space:nowrap}
.regions button[aria-selected=true]{background:var(--navy);border-color:var(--navy);color:#fff}
.rpanel{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:16px}
.rpanel h3{margin:0 0 10px;font-size:18px;color:var(--navy)}
.rgrid{display:grid;gap:10px}
.rrow{display:grid;grid-template-columns:96px 1fr;gap:8px;font-size:14.5px;border-top:1px solid var(--line);padding-top:10px}
.rrow:first-child{border-top:0;padding-top:0}
.rrow dt{color:var(--mute);font-weight:500}
.rrow dd{margin:0}
.rrow a{color:var(--blue)}
.rfund{display:flex;flex-wrap:wrap;gap:6px}
.rfund a{font-size:13px;text-decoration:none;border:1px solid var(--line);border-radius:999px;padding:4px 10px;color:var(--ink)!important}
.pending{color:var(--mute)}
.rcta{display:grid;gap:10px;margin:14px 0 0;padding-top:14px;border-top:1px solid var(--line)}
.rcta span{font-size:14px;color:var(--sub)}
.rcta .btn{width:auto}

/* 표 */
.tbl{overflow-x:auto;background:#fff;border:1px solid var(--line);border-radius:var(--r)}
table{border-collapse:collapse;width:100%;font-size:14.5px}
th,td{padding:11px 12px;text-align:left;vertical-align:top;border-top:1px solid var(--line)}
thead th{background:#F1F5F9;color:var(--navy);font-weight:700;border-top:0}
td a{color:var(--blue)}

/* 본문(하위 페이지) */
.layout{display:grid;gap:24px}
.content h2{font-size:21px;color:var(--navy);margin:36px 0 10px;letter-spacing:-.02em;line-height:1.4}
.content h2:first-child{margin-top:0}
.content h3{font-size:17px;color:var(--navy);margin:20px 0 6px}
.content p,.content li{color:#334155}
.content ul,.content ol{padding-left:20px}
.summary{background:#fff;border:1px solid var(--line);border-left:4px solid var(--blue);border-radius:12px;padding:14px 16px 14px 34px;margin:0 0 16px}
.summary li{margin:2px 0}
.define{background:var(--blue-50);border-radius:12px;padding:14px 16px;margin:0 0 16px;color:var(--navy)}
.basis{display:flex;gap:8px;align-items:flex-start;background:#FFFBEB;border:1px solid #FDE68A;border-radius:12px;padding:12px 14px;font-size:14px;color:#78350F;margin:14px 0}
.basis .ico{stroke:#B45309;width:18px;height:18px;margin-top:3px}
.oldkw{font-size:13px;color:var(--mute)}
.aside{display:grid;gap:12px;align-content:start}
.aside .box{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:16px}
.aside .box h3{margin:0 0 8px;font-size:16px;color:var(--navy)}
.aside .box ul{margin:0;padding:0;list-style:none;display:grid;gap:6px;font-size:14.5px}
.aside .box a{color:var(--blue);text-decoration:none}
.cta-box{background:var(--navy);color:#fff;border-radius:var(--r);padding:18px}
.cta-box h3{margin:0 0 6px;font-size:17px;color:#fff}
.cta-box p{margin:0 0 12px;color:#cbd5e1;font-size:14px}
.cta-box .tel{display:block;font-size:22px;font-weight:800;color:#fff;text-decoration:none;margin-bottom:10px}

/* 공고 */
.notice{list-style:none;margin:0;padding:0;background:#fff;border:1px solid var(--line);border-radius:var(--r)}
.notice li{display:grid;grid-template-columns:1fr auto;gap:2px 10px;padding:14px 16px;border-top:1px solid var(--line)}
.notice li:first-child{border-top:0}
.n-org{grid-column:1/-1;font-size:12px;color:var(--blue);font-weight:700}
.notice a{text-decoration:none;font-weight:500}
.notice a:hover{color:var(--blue);text-decoration:underline}
.notice time{font-size:12.5px;color:var(--mute);white-space:nowrap;align-self:center}

/* 절차 */
.flow{list-style:none;margin:0;padding:0;display:grid;gap:8px;counter-reset:f}
.flow li{counter-increment:f;display:grid;grid-template-columns:36px 1fr;column-gap:12px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px}
.flow li::before{content:counter(f);grid-row:1/3;width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800}
.flow b{color:var(--navy)}
.flow span{font-size:13.5px;color:var(--mute)}

/* 업무 체계도 */
.org{display:grid;gap:12px;justify-items:center}
.org-top{background:var(--navy);color:#fff;border-radius:14px;padding:12px 22px;font-weight:700;text-align:center}
.org-top small{display:block;font-weight:400;color:#cbd5e1;font-size:12.5px}
.org-line{width:2px;height:18px;background:var(--line)}
.org-row{display:grid;gap:10px;width:100%;grid-template-columns:repeat(2,1fr)}
.org-cell{background:#fff;border:1.5px solid var(--line);border-top:4px solid var(--blue);border-radius:12px;padding:12px}
.org-cell b{display:block;color:var(--navy)}
.org-cell span{display:block;font-size:13px;color:var(--mute);line-height:1.45}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:8px;padding:0 16px}
.sec.alt .faq details{background:var(--bg)}
.faq summary{cursor:pointer;list-style:none;padding:14px 0}
.faq summary::-webkit-details-marker{display:none}
.faq summary h2,.faq summary h3{display:inline;margin:0;font-size:16px;color:var(--navy)}
.faq summary::after{content:"+";float:right;color:var(--blue);font-weight:800}
.faq details[open] summary::after{content:"−"}
.faq p{margin:0 0 14px;color:var(--sub)}

/* 상담 접수 */
.apply-sec{background:var(--navy);color:#fff}
.apply-in{display:grid;gap:20px}
.apply-copy h2{margin:0 0 6px;font-size:22px}
.apply-copy p{margin:0 0 12px;color:#cbd5e1}
.tel-big{display:inline-block;font-size:24px;font-weight:800;color:#fff;text-decoration:none;border-bottom:2px solid var(--gold)}
.apply{background:#fff;color:var(--ink);border-radius:20px;padding:18px;display:grid;gap:12px}
.apply label{display:grid;gap:4px;font-size:14px;font-weight:500}
.apply input:not([type=checkbox]),.apply select{font:inherit;border:1.5px solid var(--line);border-radius:10px;padding:12px;background:#fff}
.apply input:focus,.apply select:focus{outline:none;border-color:var(--blue)}
.apply .agree{display:flex;gap:6px;align-items:center;font-weight:400;color:var(--sub)}
.apply .agree a{color:var(--blue)}
.apply button{font:inherit;font-weight:700;background:var(--cta);color:#fff;border:0;border-radius:12px;padding:14px;cursor:pointer;font-size:16px}
.apply .note{margin:0;text-align:center}

/* 바닥 */
.ft{background:#0B1F33;color:#94A3B8;font-size:13px;padding:28px 0 36px}
.ft p{margin:0 0 6px}
.ft-name{color:#fff;font-weight:700;font-size:15px}
.ft-links a{color:#cbd5e1;text-decoration:none;margin-right:14px;display:inline-block}
.ft-map{display:grid;grid-template-columns:repeat(2,1fr);gap:4px 16px;margin:14px 0}
.ft-map a{color:#94A3B8;text-decoration:none}

/* 모바일 하단 고정 바 */
.sticky{position:fixed;left:0;right:0;bottom:0;z-index:30;display:grid;grid-template-columns:1.3fr 1fr;background:#fff;border-top:1px solid var(--line);box-shadow:0 -4px 16px rgba(15,41,66,.08)}
.sticky a{text-align:center;text-decoration:none;font-weight:700;font-size:15px;padding:15px 4px}
.s-tel{color:#fff;background:var(--navy)}
.s-diag{background:var(--blue);color:#fff}
.s-apply{background:var(--cta);color:#fff}

@media (min-width:760px){
  .hero h1{font-size:40px}
  .cards.c3{grid-template-columns:repeat(3,1fr)}
  .cards.c5{grid-template-columns:repeat(3,1fr)}
  .flow{grid-template-columns:repeat(4,1fr)}
  .flow li{grid-template-columns:1fr;row-gap:6px;align-items:start}
  .flow li::before{grid-row:auto}
  .rgrid{grid-template-columns:1fr 1fr}
  .org-row{grid-template-columns:repeat(4,1fr)}
  .ft-map{grid-template-columns:repeat(5,1fr)}
  .phero h1{font-size:32px}
}
@media (min-width:1024px){
  body{padding-bottom:0}
  .sticky{display:none}            /* PC: 하단 바 대신 머리 오른쪽 상담 배지 — 본문 가림 0 */
  .gnb,.hd-cta{display:flex}
  .hero{padding:96px 0 104px;background:var(--navy-d)}
  .hero::before{left:auto;width:62%;background:none;-webkit-mask-image:linear-gradient(90deg,transparent 0,#000 38%);mask-image:linear-gradient(90deg,transparent 0,#000 38%);opacity:.9}
  .hero h1{font-size:48px}.hero h1 small{font-size:17px}.hero-slogan{font-size:17px}
  .nb-in{grid-template-columns:auto 1fr auto auto}
  .nb-in time{display:block}
  .quick-in{grid-template-columns:repeat(6,1fr)}
  .qm{border-bottom:0;border-right:1px solid var(--line);padding:22px 4px}.qm:nth-child(3n){border-right:1px solid var(--line)}.qm:last-child{border-right:0}
  .intro{grid-template-columns:1.2fr 1fr;gap:48px;align-items:center}
  .lead{font-size:16.5px}
  .cards.c5{grid-template-columns:repeat(5,1fr)}
  .flow{grid-template-columns:repeat(7,1fr)}
  .sec{padding:64px 0}
  .sec-hd h2{font-size:26px}
  .apply-in{grid-template-columns:1fr 1fr;align-items:center;gap:48px}
  .layout{grid-template-columns:minmax(0,1fr) 320px;gap:40px}
  .aside{position:sticky;top:86px}
  .phero{padding:32px 0 38px}
}
@media (min-width:1024px) and (max-width:1180px){.gnb{gap:14px}.gnb a{font-size:14px}.brand-t small{display:none}}

/* ── 10-26 가로 넘침 0 · 정렬 ── */
.layout>*,.content,.aside,.sec-hd>div,.hero-in>*,.apply-in>*,.intro>*{min-width:0}
.content,.content p,.content li,.summary,.define,.basis,.card,.rpanel{overflow-wrap:break-word}
.content table th{white-space:nowrap}
table.kv th{width:32%;background:#F8FAFC;color:var(--navy);font-weight:700;border-top:1px solid var(--line)}
table.kv tr:first-child th,table.kv tr:first-child td{border-top:0}
.summary{list-style:none;padding:14px 16px 14px 20px}
.summary li{position:relative;padding-left:16px}
.summary li::before{content:"";position:absolute;left:2px;top:.72em;width:6px;height:6px;border-radius:50%;background:var(--blue)}
.summary li+li{margin-top:4px}
.define{line-height:1.7}
.basis{line-height:1.6}
.sec-hd.row{flex-wrap:wrap}
.sec-hd.row .more{margin-left:auto}
@media (max-width:640px){
  .tbl{overflow:visible;background:transparent;border:0;border-radius:0}
  table.stack,table.stack tbody,table.stack tr,table.stack td{display:block;width:100%}
  table.stack thead{display:none}
  table.stack tr{background:#fff;border:1px solid var(--line);border-radius:12px;padding:6px 14px;margin-bottom:10px}
  table.stack td{border-top:1px dashed var(--line);padding:10px 0;display:block}
  table.stack td:first-child{border-top:0;font-weight:700;color:var(--navy);font-size:15.5px;padding:12px 0 10px}
  table.stack td:first-child::before{display:none}
  table.stack td::before{content:attr(data-label);display:block;color:var(--mute);font-size:12.5px;font-weight:500;margin-bottom:3px}
  table.stack td[data-label=""]::before{content:none}
  table.stack td .tag{vertical-align:1px}
  table.kv{background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
  table.kv th,table.kv td{display:block;width:100%;white-space:normal}
  table.kv th{padding:10px 14px 2px;border-top:1px solid var(--line);background:#fff;font-size:13px;color:var(--mute)}
  table.kv td{padding:2px 14px 10px;border-top:0}
  .phero h1{font-size:23px}
  .content h2{font-size:19px}
}

.phero h1 .h1-sub{display:block;margin-top:6px;font-size:.62em;font-weight:500;color:#cbd5e1;letter-spacing:-.01em;line-height:1.45}
.content li{margin-bottom:8px}
.content li b{color:var(--navy)}
.content li b+br+*,.content li b+br{line-height:1.6}

/* ── 10-26 쪽 머리 디자인: 쪽 아이콘 · 핵심 포인트 3칸 · 상담 버튼 ── */
.phero{padding:18px 0 26px}
.phero-in{position:relative}
.phero-top{display:flex;flex-wrap:wrap;align-items:center;gap:8px;margin:2px 0 12px}
.pico{width:44px;height:44px;border-radius:12px;background:rgba(245,199,126,.14);border:1px solid rgba(245,199,126,.45);display:flex;align-items:center;justify-content:center}
.pico .ico{stroke:var(--gold-l);width:24px;height:24px}
.phero-top .tag{margin-left:2px}
.phero h1{margin:0 0 14px;position:relative;z-index:1}
.ppoints{list-style:none;margin:0 0 16px;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:8px;position:relative;z-index:1}
.ppoints li{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:12px;padding:12px 8px;display:grid;justify-items:center;gap:6px;text-align:center}
.pp-i{width:34px;height:34px;border-radius:50%;background:rgba(255,255,255,.1);display:flex;align-items:center;justify-content:center}
.pp-i .ico{stroke:#fff;width:18px;height:18px}
.ppoints b{font-size:13px;font-weight:500;line-height:1.35;color:#fff;word-break:keep-all}
.pcta{display:flex;gap:8px;position:relative;z-index:1}
.pcta .btn{width:auto;flex:1;padding:12px 10px;font-size:15px}
.pbig{position:absolute;right:0;bottom:-24px;opacity:.06;pointer-events:none;line-height:0}
.pbig-i{width:180px;height:180px;stroke:#fff;stroke-width:1.2;fill:none}
.kwchips{display:flex;flex-wrap:wrap;gap:6px;align-items:center;margin-top:32px;padding-top:16px;border-top:1px solid var(--line)}
.kwchips span{font-size:13px;color:var(--mute);margin-right:4px}
.kwchips i{font-style:normal;font-size:13px;color:var(--sub);background:#fff;border:1px solid var(--line);border-radius:999px;padding:3px 10px}
@media (min-width:1024px){
  .phero{padding:34px 0 40px}
  .phero::after{content:"";position:absolute;top:0;right:0;bottom:0;width:50%;background:var(--pbg) center/cover no-repeat;-webkit-mask-image:linear-gradient(90deg,transparent 0,#000 55%);mask-image:linear-gradient(90deg,transparent 0,#000 55%);opacity:.5;pointer-events:none}
  .phero-in{max-width:1160px}
  .phero h1,.ppoints,.pcta,.phero-top,.crumb{max-width:720px}
  .ppoints{grid-template-columns:repeat(3,minmax(0,200px))}
  .pcta .btn{flex:0 0 auto;padding:12px 22px}
  .pbig{display:none}
}

/* ── 10-26 사진 칸 규칙(빈 띠 0 · 글자 안 자름) — 생성기 fig() 가 비율로 자동 분류 ── */
.figs{display:grid;gap:10px;grid-template-columns:repeat(2,minmax(0,1fr))}
.fig{margin:0;min-width:0}
.fig img{display:block;width:100%;height:auto;max-width:100%;border-radius:12px}
.fig-std img{aspect-ratio:4/3;object-fit:cover;object-position:center}
.fig-wide,.fig-tall,.fig-text{grid-column:1/-1}
.fig-wide img{aspect-ratio:auto}
.fig-tall img{aspect-ratio:auto;max-height:80vh;width:auto;margin:0 auto}
.fig-text img{aspect-ratio:auto;object-fit:contain;background:#fff}
.fig figcaption{font-size:13.5px;color:var(--sub);margin-top:6px}
.ai-note{display:none}
@media (min-width:1024px){.ai-note{display:block;position:absolute;right:16px;bottom:-26px;font-size:11px;color:rgba(203,213,225,.75);z-index:2}}

/* ── 10-26 매뉴얼 12번 ④: HTML 순서 = H1 → 정의문 → 포인트 → 버튼 → 현재 위치·배지 (화면 순서는 CSS로 위치·배지 먼저) ── */
.phero-in{display:flex;flex-direction:column}
.phero-in .crumb{order:-2}.phero-in .phero-top{order:-1}
.plead{margin:-4px 0 16px;color:#cbd5e1;font-size:14.5px;line-height:1.65;position:relative;z-index:1;max-width:720px}
.hero-lead{margin:0 0 16px;color:#cbd5e1;font-size:14px;line-height:1.65;max-width:620px}
.hero-in .hero-en{order:-1}

/* 10-27 정보 그림 4종(레드팀 #3) — 사진 대신 표·흐름도 */
.phero h1 .h1-sep{color:inherit}
.ifig{margin:22px 0 26px;padding:16px 16px 14px;border:1px solid #dbe4f0;border-radius:14px;background:#f7faff}
.ifig figcaption{display:flex;flex-wrap:wrap;gap:4px 10px;align-items:baseline;margin-bottom:12px}
.ifig figcaption b{font-size:1.02rem;color:#0f2b52}
.ifig figcaption span{font-size:.82rem;color:#5b6b80}
.ifig .tbl{margin:0}
.ifig tr.me td{background:#eaf2ff;font-weight:600}
.struct .sl{margin:10px 0 6px;font-weight:700;color:#1B5CA6;font-size:.9rem}
.struct .sr{display:flex;flex-wrap:wrap;align-items:center;gap:6px}
.struct .sb{flex:1 1 120px;min-width:110px;padding:10px 12px;border-radius:10px;background:#fff;border:1px solid #cfdcec}
.struct .sb.k{border-color:#1B5CA6;background:#eef4fd}
.struct .sb b{display:block;font-size:.92rem;color:#0f2b52}
.struct .sb span{display:block;font-size:.8rem;color:#5b6b80;margin-top:2px}
.struct .sa{font-style:normal;color:#DD902B;font-weight:800}
.struct .sk{margin:12px 0 0;font-size:.84rem;color:#334155;border-top:1px dashed #cfdcec;padding-top:10px}
.flow7{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(118px,1fr));gap:8px;counter-reset:none}
.flow7 li{position:relative;padding:12px 10px 10px;border-radius:10px;background:#fff;border:1px solid #cfdcec}
.flow7 li em{display:inline-grid;place-items:center;width:24px;height:24px;border-radius:50%;background:#1B5CA6;color:#fff;font-style:normal;font-size:.78rem;font-weight:700;margin-bottom:6px}
.flow7 li b{display:block;font-size:.9rem;color:#0f2b52}
.flow7 li span{display:block;font-size:.78rem;color:#5b6b80;margin-top:2px}
@media (max-width:560px){.struct .sr{flex-direction:column;align-items:stretch}.struct .sa{text-align:center;transform:rotate(90deg)}.flow7{grid-template-columns:1fr 1fr}}

/* 10-27 /faq/ 분류 탭 */
.faqtabs{display:flex;flex-wrap:wrap;gap:8px;margin:6px 0 18px;position:sticky;top:64px;z-index:5;background:#fff;padding:8px 0}
.faqtabs a{padding:8px 14px;border-radius:999px;border:1px solid #cfdcec;background:#f7faff;color:#0f2b52;font-weight:600;font-size:.9rem;text-decoration:none}
.faqtabs a i{font-style:normal;color:#5b6b80;font-weight:500;margin-left:2px}
.faqtabs a:hover{border-color:#1B5CA6;background:#eaf2ff}
[id^="faq-"]{scroll-margin-top:120px}

/* ── 11-13 론칭 전 수정(문자 대비 · 로고 복원 · 모바일 메뉴 · 앵커 · 상담 신청서 · 민간기업 표기) ── */
:root{--cta:#975606;--cta-h:#7A4504}
.btn:hover,.hd-apply:hover,.s-apply:hover{background:var(--cta-h)}
.btn:focus-visible,.hd-apply:focus-visible,.s-apply:focus-visible{outline:3px solid var(--blue);outline-offset:2px}
.btn:disabled{background:#A8A29E;cursor:not-allowed}
html{scroll-padding-top:88px}
[id]{scroll-margin-top:88px}
/* 로고: 옛 사이트 CI 그대로(가로형 원본 비율 685:117) */
.brand{flex:none}
.brand .logo{display:block;height:32px;width:auto;max-width:none}
@media (min-width:390px){.brand .logo{height:36px}}
@media (min-width:1024px){.brand .logo{height:42px}}
.hd-in{gap:12px}
.hd-type{font-size:12px;color:var(--sub);border:1px solid var(--line);border-radius:999px;padding:2px 8px;white-space:nowrap;flex:none}
@media (max-width:479px){.hd-type{display:none}}
@media (min-width:1024px) and (max-width:1279px){.hd-type{display:none}}
/* 모바일·태블릿 메뉴(1024px 미만) */
.mnav{margin-left:auto;position:relative}
.mnav summary{list-style:none;cursor:pointer;display:flex;align-items:center;gap:6px;min-height:44px;padding:0 12px;border:1px solid var(--line);border-radius:10px;font-weight:700;color:var(--navy);font-size:14px}
.mnav summary::-webkit-details-marker{display:none}
.mnav summary:focus-visible{outline:3px solid var(--blue);outline-offset:2px}
.mnav-i{position:relative;width:18px;height:2px;background:currentColor;display:block}
.mnav-i::before,.mnav-i::after{content:"";position:absolute;left:0;width:18px;height:2px;background:currentColor}
.mnav-i::before{top:-6px}.mnav-i::after{top:6px}
.mnav[open] .mnav-i{background:transparent}.mnav[open] .mnav-i::before{top:0;transform:rotate(45deg)}.mnav[open] .mnav-i::after{top:0;transform:rotate(-45deg)}
.mnav-p{position:absolute;right:0;top:calc(100% + 10px);width:min(300px,calc(100vw - 32px));background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 12px 32px rgba(15,41,66,.18);padding:8px;display:grid;z-index:40;max-height:calc(100vh - 110px);overflow:auto}
.mnav-p a{padding:12px;text-decoration:none;color:var(--ink);border-radius:8px;font-weight:500}
.mnav-p a:hover,.mnav-p a[aria-current]{color:var(--blue);background:var(--blue-50)}
.mnav-p a.mnav-tel{background:var(--cta);color:#fff;text-align:center;font-weight:700;margin-top:6px}
@media (min-width:1024px){.mnav{display:none}}
/* 첫 화면: 민간기업 표기 · 이름 · 가치 1~2문장 · 주/보조 버튼 (옛 사진은 사용권 확인 전이라 쓰지 않음) */
.hero{background:linear-gradient(135deg,var(--navy-d) 0%,#123a63 62%,#1B5CA6 130%)}
@media (min-width:1024px){.hero::before{display:none}}
.hero-type{display:inline-block;margin:0 0 12px;font-size:14px;font-weight:700;color:var(--navy-d);background:var(--gold-l);border-radius:999px;padding:4px 12px}
.hero .hero-lead{font-size:16px;color:#e2e8f0;max-width:640px;margin:12px 0 20px;line-height:1.7}
.hero-in .hero-en{order:0;margin:16px 0 0;font-size:13px;color:#94a3b8}
.slogan{margin:12px 0 0;color:var(--sub);font-size:14.5px}
/* 단계 주체 · 공식 원문 링크 · 옛 자료 · 운영자 확정 전 표시 */
.flow .who,.flow7 .who{display:inline-block;font-style:normal;font-size:12px;font-weight:700;color:var(--blue);background:var(--blue-50);border-radius:999px;padding:1px 8px;margin:2px 0}
.n-src{font-size:13px;color:var(--blue);white-space:nowrap;margin-left:6px;font-weight:500}
details.old{margin:12px 0}details.old summary{cursor:pointer;color:var(--blue);font-weight:700;padding:8px 0}
mark.todo{background:#FEF3C7;color:#92400E;padding:0 4px;border-radius:4px}
/* 상담 신청서: 자바스크립트가 꺼져도 모든 칸이 보이고 POST 로 접수 */
.q{display:block;margin:0 0 14px}
.js .q:not(.is-on){display:none}
.q legend{font-weight:700;font-size:16px;margin-bottom:10px;padding:0;color:var(--navy)}
.q legend small{font-weight:400;color:var(--mute);font-size:13px}
.q legend:focus{outline:none}
.opt{position:relative;display:block;min-width:0}
.opt input{position:absolute;opacity:0;inset:0;margin:0;width:100%;height:100%;cursor:pointer}
.opt span{display:block;border:1.5px solid var(--line);border-radius:10px;padding:12px 14px;font-weight:500;background:#fff;color:var(--ink);min-height:48px}
.opts.grid3 .opt span{text-align:center;padding:10px 4px}
.opt input:checked+span{border-color:var(--blue);background:var(--blue-50);color:var(--blue);font-weight:700}
.opt input:focus-visible+span{outline:3px solid var(--blue);outline-offset:2px}
.wz-nav{display:none}
.js .wz-nav{display:flex;justify-content:space-between;gap:8px;margin-top:12px}
.wz-nav button{font:inherit;font-weight:700;border:1.5px solid var(--line);background:#fff;border-radius:10px;padding:10px 16px;cursor:pointer;color:var(--navy);min-height:44px}
.wz-nav .wz-next{margin-left:auto}
.wz-fields label em{font-style:normal;font-size:12px;color:#B91C1C;font-weight:700;margin-left:4px}
.err{color:#B91C1C;font-size:13.5px;margin:-2px 0 6px}
[aria-invalid=true]{border-color:#B91C1C!important}
.consent{background:#F8FAFC;border:1px solid var(--line);border-radius:10px;padding:12px;font-size:13.5px;color:var(--sub);margin:4px 0}
.consent-h{margin:0 0 6px;font-weight:700;color:var(--ink)}
.consent dl{margin:0;display:grid;gap:6px}
.consent dl div{display:grid;grid-template-columns:84px minmax(0,1fr);gap:8px}
.consent dt{font-weight:700;color:var(--ink)}.consent dd{margin:0}
.consent-more{margin:8px 0 0}.consent-more a{color:var(--blue)}
.wz-fields .agree{align-items:flex-start;color:var(--ink)}
.wz-fields .agree input{width:20px;height:20px;flex:none;margin-top:3px}
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
.wz-status{min-height:1.4em;margin:8px 0 0;font-size:14px;color:#B91C1C}
.wz-done{margin:10px 0 0;font-size:15px;color:#065F46;background:#ECFDF5;border-radius:10px;padding:12px 14px}
.phone-only h2,.phone-only h3{margin:0 0 6px}
.phone-only .ph-big{display:block;font-size:34px;font-weight:800;color:var(--navy);text-decoration:none;margin:6px 0;letter-spacing:.01em}
.ph-time{color:var(--sub);font-size:14px;margin:0 0 8px}
.ph-list{padding-left:18px;color:var(--sub);font-size:14px;margin:0 0 12px}
.apply-who{font-size:13px;color:#cbd5e1;margin:8px 0 12px}
.cta-who{font-size:12.5px;color:var(--mute);margin:10px 0 0}
.ft-type{font-size:12px;font-weight:500;border:1px solid currentColor;border-radius:999px;padding:1px 8px;margin-left:6px;opacity:.85;white-space:nowrap}
/* 하단 바: 안전영역 · 입력 중 숨김(키보드·동의 문구·버튼 가림 0) */
.sticky{padding-bottom:env(safe-area-inset-bottom)}
body{padding-bottom:calc(68px + env(safe-area-inset-bottom))}
body.typing .sticky{display:none}
@media (min-width:1024px){body{padding-bottom:0}}
/* 320px 폭: 카드 칸이 긴 낱말에 밀려 넘치지 않게 */
.cards{grid-template-columns:repeat(2,minmax(0,1fr))}
.card{min-width:0}.card b,.card span.d{overflow-wrap:anywhere}
@media (max-width:359px){.cards{grid-template-columns:minmax(0,1fr)}}
.hero-type{align-self:flex-start;width:fit-content}
.hd-tel b,.hd-tel span{white-space:nowrap}
@media (min-width:1024px){.hd-type{display:none}.gnb{gap:16px}}
.qm b{text-align:center}
@media (min-width:1024px) and (max-width:1279px){.gnb{gap:12px}.gnb a{font-size:14px}.hd-tel i{display:none}.hd-tel span{font-size:0}.hd-tel b{font-size:15px}.hd-apply{padding:9px 12px;font-size:13.5px}.brand .logo{height:38px}}
/* 11-13 2차: 7단계 카드의 주체 칩(기업·KEFC·기관/은행)을 번호 바로 아래 같은 높이에 맞춤 */
.flow .who,.flow7 .who{justify-self:start;align-self:flex-start;white-space:nowrap}
.flow li::before{grid-row:1/4}
@media (min-width:768px){
  .flow li{display:flex;flex-direction:column;align-items:flex-start;gap:6px}
  .flow li::before{order:-2;flex:none}
  .flow .who{order:-1;margin:0}
  .flow b{min-height:2.8em;line-height:1.4}
}
.flow7 li{display:flex;flex-direction:column;align-items:flex-start;gap:4px}
.flow7 li em{order:-2;margin-bottom:0}
.flow7 .who{order:-1;margin:0}
.flow7 li b{min-height:2.6em;line-height:1.3}

/* 11-13 3차: 옛 사이트 상담신청서 양식(한 장) · 진행현황 조회 — 나이 많은 고객을 생각해 큰 글씨·큰 칸 */
.cf{background:#fff;color:var(--ink);border-radius:16px;box-shadow:var(--shadow);padding:20px;border:1px solid var(--line);min-width:0}
.cf-h{margin:0 0 8px;font-size:21px;color:var(--navy)}
.cf-notice{margin:0 0 14px;font-size:14.5px;color:var(--sub);background:#F8FAFC;border-left:4px solid var(--blue);padding:10px 12px;border-radius:6px}
.cf-need{border:0;margin:0 0 14px;padding:0;min-width:0}
.cf-need legend{font-weight:700;font-size:17px;color:var(--navy);margin-bottom:8px;padding:0}
.cf-need legend small{font-weight:400;color:var(--mute);font-size:13.5px;margin-left:4px}
.chks{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}
@media (min-width:768px){.chks{grid-template-columns:repeat(3,minmax(0,1fr))}}
.chk{position:relative;display:block;min-width:0}
.chk input{position:absolute;opacity:0;inset:0;width:100%;height:100%;margin:0;cursor:pointer}
.chk span{display:flex;align-items:center;gap:8px;min-height:50px;border:1.5px solid var(--line);border-radius:10px;padding:10px 12px;font-weight:500;background:#fff;font-size:15.5px;overflow-wrap:anywhere}
.chk span::before{content:"";flex:none;width:20px;height:20px;border:2px solid #94A3B8;border-radius:5px;background:#fff;box-sizing:border-box}
.chk input:checked+span{border-color:var(--blue);background:var(--blue-50);color:var(--blue);font-weight:700}
.chk input:checked+span::before{background:var(--blue) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10l3.5 3.5L15 7' fill='none' stroke='%23fff' stroke-width='2.5'/%3E%3C/svg%3E") center/16px no-repeat;border-color:var(--blue)}
.chk input:focus-visible+span{outline:3px solid var(--blue);outline-offset:2px}
.chk input[aria-invalid=true]+span{border-color:#B91C1C}
.cf-grid{display:grid;grid-template-columns:minmax(0,1fr);gap:10px 14px}
@media (min-width:768px){.cf-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.cf-wide{grid-column:1/-1}}
.cf-f{display:grid;gap:4px;min-width:0}
.cf-f label{font-weight:700;font-size:15px;color:var(--ink)}
.cf-f input,.cf-f select,.cf-f textarea{font:inherit;font-size:16px;border:1.5px solid var(--line);border-radius:10px;padding:12px;min-height:50px;width:100%;box-sizing:border-box;background:#fff;color:var(--ink)}
.cf-f input:focus,.cf-f select:focus,.cf-f textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(27,92,166,.15)}
.req{font-style:normal;font-size:12px;color:#B91C1C;font-weight:700;margin-left:4px}
.cf .consent{margin:14px 0 8px}
.cf-agree .agree{display:flex;gap:8px;align-items:flex-start;font-size:15.5px;color:var(--ink)}
.cf-agree .agree input{width:22px;height:22px;flex:none;margin-top:2px}
.cf-submit{margin-top:12px;font-size:17px;padding:16px}
.cf-status{min-height:1.4em;margin:10px 0 0;font-size:14.5px;color:#B91C1C}
.cf-done{margin:12px 0 0;font-size:16px;color:#065F46;background:#ECFDF5;border-radius:10px;padding:14px}
.cf-done a,.cf-foot a{color:var(--blue);font-weight:700}
.cf-foot{margin:12px 0 0;font-size:14px;color:var(--sub)}
.st-result{margin-top:12px}.st-list{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.st-list li{display:flex;gap:10px;align-items:center;flex-wrap:wrap;border:1px solid var(--line);border-radius:10px;padding:12px}
.st-list b{border-radius:999px;padding:2px 12px;font-size:14px}
.st-received{background:#FEF3C7;color:#92400E}.st-progress{background:var(--blue-50);color:var(--blue)}.st-done{background:#ECFDF5;color:#065F46}
.apply-in .cf{align-self:start}
/* 11-13: 홈 맨 아래 신청서 → 짧은 띠 */
.apply-band .band-in{display:grid;gap:16px;align-items:center}
.apply-band .apply-copy h2{margin:0 0 6px}.apply-band .apply-copy p{margin:0}
.band-btns{display:flex;flex-wrap:wrap;gap:10px}.band-btns .btn{width:auto;flex:1 1 200px}
@media (min-width:1024px){.apply-band .band-in{grid-template-columns:minmax(0,1fr) auto}.band-btns .btn{flex:0 0 auto;padding:14px 24px}}

/* 11-14 사장님: 첫 화면 제목 위 작은 글씨 「중소기업 정책자금 컨설팅 전문」은 화면에서만 숨김(H1 검색어는 유지 · 화면 낭독기는 읽음) */
.hero h1 small.sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}