@import url('https://cdn.jsdelivr.net/gh/orioncactus/pretendard@v1.3.9/dist/web/static/pretendard.css');
:root{--ink:#0F172A;--text:#475569;--teal:#006D77;--gold:#E9C46A;--bg:#F8FAFC;--mint:#EEF5F4;--line:#DCE5E7;font-family:Pretendard,'Segoe UI',sans-serif;color:var(--ink);background:var(--bg);font-size:16px;line-height:1.75;scroll-behavior:smooth;scroll-padding-top:110px}*{box-sizing:border-box}body{margin:0}h1,h2,h3,p,figure{margin:0}h1,h2,h3{word-break:keep-all;text-wrap:balance}h1{font-size:clamp(2.4rem,5vw,4.1rem);font-weight:750;line-height:1.22;letter-spacing:-.045em}h2{font-size:clamp(1.65rem,3vw,2.15rem);line-height:1.4;letter-spacing:-.035em}h3{font-size:1.3rem;line-height:1.5;letter-spacing:-.025em}p{word-break:keep-all;color:var(--text)}a{color:inherit;text-decoration:none}a:hover{color:var(--teal)}button,input,select,textarea{font:inherit}button,a,input,select,textarea,summary{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #BD942F;outline-offset:5px}.wrap{width:min(1120px,88%);margin-inline:auto}.narrow{max-width:790px}.skip{position:absolute;left:12px;top:-100px;background:white;padding:12px;z-index:20}.skip:focus{top:12px}.preview-note{text-align:center;padding:6px 16px;font-size:.8rem;background:#E8F1F1;color:#36585B}header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.header-inner{min-height:86px;display:flex;align-items:center;gap:26px}.brand{font-size:1.6rem;font-weight:800;letter-spacing:-.045em;white-space:nowrap}.brand span{color:var(--teal)}nav{display:flex;align-items:center;gap:22px;margin-left:auto}nav a{font-size:.9rem;color:var(--text)}nav a[aria-current]{color:var(--teal);font-weight:700;text-decoration:underline;text-underline-offset:8px}.button{display:inline-flex;align-items:center;justify-content:center;gap:24px;background:var(--teal);color:#fff;border:0;border-radius:8px;padding:14px 24px;min-height:50px;font-weight:650;font-size:1rem;cursor:pointer}.button:hover{background:#00565E;color:#fff}.header-cta{font-size:.875rem;padding:10px 17px;min-height:44px}.menu-toggle{display:none}.hero{padding-block:86px 94px}.eyebrow{font-size:.75rem;font-weight:700;letter-spacing:.15em;color:var(--teal);margin-bottom:22px;word-break:normal}.highlight{background:linear-gradient(transparent 78%,#E9C46A99 78%,#E9C46A99 93%,transparent 93%)}.belief{font-size:1.35rem;line-height:1.7;margin-top:30px;color:var(--ink)}.lead{font-size:1.1rem;margin-top:20px;line-height:1.85}.actions{display:flex;align-items:center;gap:28px;flex-wrap:wrap;margin-top:32px}.micro{font-size:.8rem;margin-top:10px}.text-link{display:inline-flex;align-items:center;gap:14px;color:var(--teal);font-size:.95rem;font-weight:650;min-height:44px}.text-link:hover{text-decoration:underline;text-underline-offset:5px}.section{padding-block:76px}.white{background:white}.mint{background:var(--mint)}.topic-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin-top:32px}.topic-card{padding:32px 27px;border:1px solid var(--line);border-radius:14px;display:flex;flex-direction:column;gap:20px;background:white;transition:border-color .15s,transform .15s}.topic-card:hover{border-color:var(--teal);transform:translateY(-3px);color:var(--ink)}.topic-no{font-size:.75rem;font-weight:650;color:var(--teal);letter-spacing:.08em}.topic-card h3{font-size:1.6rem}.topic-card .text-link{margin-top:auto;padding-top:10px}.story{display:grid;grid-template-columns:minmax(0,.75fr) minmax(0,1.25fr);gap:72px;align-items:center}.story figure{max-width:340px}.story img{width:100%;height:auto;display:block;border-radius:14px}.story p:not(.eyebrow){margin-top:22px}.story .text-link{margin-top:20px}figcaption{margin-top:18px}figcaption strong{display:block;font-size:1.1rem}figcaption span{display:block;font-size:.85rem;color:var(--text)}.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:34px;margin-top:38px}.steps article{border-top:1px solid #A9C4C5;padding-top:20px}.steps article>span{color:var(--teal);font-size:.9rem;font-weight:650}.steps h3{margin-block:14px 10px}.faq-list{margin:28px 0 20px}details{border-bottom:1px solid var(--line)}summary{display:flex;justify-content:space-between;align-items:baseline;gap:25px;list-style:none;padding:22px 0;font-weight:600;font-size:1.075rem;cursor:pointer;word-break:keep-all}summary::-webkit-details-marker{display:none}summary:after{content:'+';color:var(--teal);font-size:1.4rem;font-weight:400;flex-shrink:0}details[open] summary:after{content:'−'}.answer{padding:0 26px 25px 0;line-height:1.9}.source{font-size:.8rem;display:inline-block;margin-top:14px;text-decoration:underline;color:var(--teal)}.invitation{background:#E8F2F0;padding-block:64px}.invite-inner{display:flex;align-items:center;justify-content:space-between;gap:44px}.invite-inner>div:first-child{max-width:680px}.invite-inner>div:last-child{flex-shrink:0}.invite-inner p:not(.eyebrow){margin-top:13px}.invite-inner .eyebrow{margin-bottom:14px}footer{background:#fff;padding-block:42px}.footer-top{display:flex;justify-content:space-between;align-items:center;gap:20px}.footer-top p{font-size:.95rem}.footer-bottom{border-top:1px solid var(--line);display:flex;justify-content:space-between;gap:28px;margin-top:24px;padding-top:24px;font-size:.875rem}.footer-bottom a{text-decoration:underline}.disclosure{font-size:.8rem;max-width:930px;margin-top:26px}.detail-hero{padding-block:54px 68px}.back{display:inline-block;font-size:.9rem;color:var(--text);margin-bottom:48px}.detail-hero h1{font-size:clamp(2.3rem,4.6vw,3.7rem)}.detail-intro{display:grid;grid-template-columns:1.1fr 1fr;gap:76px;align-items:center}.detail-intro p{margin-top:22px}.roadmap{padding:28px;background:var(--mint);border-radius:14px}.roadmap>div{display:flex;gap:20px;align-items:center;background:white;padding:18px 20px;border-radius:7px;margin-bottom:12px}.roadmap>div:last-of-type{background:var(--teal);color:white}.roadmap span{font-size:.8rem;opacity:.75}.roadmap p{font-size:.9rem;margin-top:18px}.about-top h1{font-size:clamp(2.3rem,4vw,3.3rem)}.credentials{display:grid;gap:2px;border-left:3px solid var(--gold);padding-left:18px;margin:26px 0}.credentials strong{font-size:1.3rem}.credentials span{font-size:.9rem;color:var(--text)}.prose{margin-top:30px;font-size:1.08rem;line-height:1.95}.prose p+p{margin-top:22px}.scope{background:var(--mint);border-radius:14px;padding:30px}.scope ul{padding-left:22px}.scope p{font-size:.95rem}.faq-layout{display:grid;grid-template-columns:190px minmax(0,1fr);gap:72px}.faq-index{display:flex;flex-direction:column;align-items:stretch;gap:0;position:sticky;top:116px;align-self:start;margin:0}.faq-index a{display:flex;justify-content:space-between;padding:15px 0;border-bottom:1px solid var(--line);font-size:1rem}.faq-group+.faq-group{margin-top:58px}.consult-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:74px}.consult-aside ol{padding-left:20px;margin-block:24px}.consult-aside>p{font-size:.95rem}.preview-box{margin-top:28px;background:var(--mint);padding:22px;border-radius:10px}.preview-box p{font-size:.9rem;margin-top:9px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}form>label,.form-grid>label{display:block;font-weight:600;margin-bottom:24px}input:not([type=checkbox]),select,textarea{display:block;width:100%;border:1px solid #BDCBCD;border-radius:7px;background:white;color:var(--ink);padding:12px;margin-top:8px;font-weight:400;font-size:1rem;min-height:48px}textarea{resize:vertical}fieldset{border:0;padding:0;margin:8px 0 28px;min-width:0}legend{font-weight:650;margin-bottom:13px}.optional,.required{font-size:.8rem;font-weight:400;color:var(--text);margin-left:7px}.required{color:var(--teal)}.choices{display:grid;grid-template-columns:1fr 1fr;gap:10px}.check{display:flex;align-items:center;gap:10px;padding:12px;border:1px solid var(--line);border-radius:7px;font-size:.9rem;cursor:pointer;min-height:48px}.check:has(input:checked){border-color:var(--teal);background:var(--mint)}.check input{width:18px;height:18px;accent-color:var(--teal);flex-shrink:0}.field-note{font-size:.85rem;margin:-12px 0 25px}.privacy{border-top:1px solid var(--line);padding-top:22px;margin-bottom:24px}.privacy h3{font-size:1rem}.privacy p{font-size:.875rem;margin-top:8px}dialog{max-width:580px;width:90%;max-height:85dvh;border:1px solid var(--line);border-radius:16px;padding:0;background:white;color:var(--ink)}dialog::backdrop{background:#0F172A77}.dialog-inner{padding:32px}.dialog-inner p{margin-bottom:22px}.dialog-inner h2{font-size:1.6rem}dl{margin:24px 0;overflow-wrap:anywhere}dt{font-weight:650;margin-top:13px}dd{margin:2px 0;color:var(--text)}
@media(max-width:1020px){.header-inner{gap:18px}.brand{font-size:1.4rem}nav{gap:14px}.header-cta{padding:10px 12px}.story{gap:40px}.invite-inner{align-items:flex-start;flex-direction:column;gap:24px}.detail-intro{gap:40px}.consult-layout{gap:38px}.faq-layout{gap:38px}}
@media(max-width:800px){.header-inner{min-height:74px;flex-wrap:wrap;gap:12px}.menu-toggle{display:block;margin-left:auto;background:white;border:1px solid var(--line);border-radius:6px;min-height:44px;padding:8px 12px;color:var(--ink)}header nav{display:none;width:100%;order:4;padding:6px 0 18px;flex-wrap:wrap;gap:12px 24px}header nav.is-open{display:flex}header nav a{padding:7px 0;font-size:1rem}.topic-grid{grid-template-columns:1fr}.topic-card h3{font-size:1.5rem}.topic-card{gap:13px}.hero{padding-block:58px 65px}.section{padding-block:54px}.steps{gap:20px}.story{grid-template-columns:.8fr 1.2fr;gap:30px}.detail-intro{grid-template-columns:1fr}.consult-layout{grid-template-columns:1fr}.consult-aside{max-width:620px}.faq-layout{grid-template-columns:1fr;gap:32px}.faq-index{position:static;flex-direction:row;flex-wrap:wrap;gap:24px}.faq-index a{gap:18px}.footer-top{align-items:flex-start;flex-direction:column;gap:8px}}
@media(max-width:580px){.wrap{width:88%}.preview-note{font-size:.75rem}.header-cta{font-size:.75rem;padding:9px 10px}.brand{font-size:1.2rem}.header-inner{gap:10px}.menu-toggle{font-size:.85rem;padding:8px}.eyebrow{letter-spacing:.1em}.belief{font-size:1.1rem}.lead{font-size:1rem}.actions{gap:14px}.story{grid-template-columns:1fr;gap:32px}.story figure{max-width:280px}.story h2{font-size:1.75rem}.steps{grid-template-columns:1fr;gap:28px}.topic-card{padding:25px}.footer-bottom{flex-direction:column;gap:16px}.detail-hero{padding-block:40px 48px}.back{margin-bottom:30px}.form-grid{grid-template-columns:1fr;gap:0}.choices{grid-template-columns:1fr}.dialog-inner{padding:24px}.roadmap{padding:20px}.invitation{padding-block:46px}summary{font-size:1rem;gap:16px}.faq-index{gap:18px}.faq-index a{font-size:.9rem;gap:10px}.scope{padding:24px}}
.button{transition:background-color .18s ease,box-shadow .18s ease}.button:hover{box-shadow:0 4px 12px #006D771A}.button>span{transition:transform .18s ease}.button:hover>span{transform:translate(2px,-2px)}
@keyframes answer-enter{from{opacity:0;transform:translateY(-5px)}to{opacity:1;transform:translateY(0)}}
@media(prefers-reduced-motion:no-preference){details[open] .answer{animation:answer-enter .22s ease-out}dialog[open]{animation:answer-enter .2s ease-out}}
@media(prefers-reduced-motion:reduce){:root{scroll-behavior:auto}.topic-card,.button,.button>span{transition:none}.topic-card:hover,.button:hover>span{transform:none}}
.living-feature{background:#F2F7F6;border-block:1px solid var(--line)}.living-card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:14px;padding:32px}.living-card p{margin-top:18px}.living-note{font-size:.85rem;line-height:1.8}.living-copy{max-width:760px;margin-top:24px}.living-copy p+p{margin-top:18px}.living-copy strong{color:var(--ink)}.living-bottom{max-width:790px;margin-top:34px}.living-feature .text-link{margin-top:20px}@media(max-width:580px){.living-card{padding:24px}.living-feature .button{width:100%;gap:12px;font-size:.95rem}}
.guide-intro{max-width:850px}.savings-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px;margin-top:36px}.savings-card{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:14px;padding:30px;background:#fff}.savings-top{display:flex;align-items:center;gap:16px;margin-bottom:22px}.savings-top>span{display:grid;place-items:center;width:48px;height:48px;border-radius:50%;background:var(--mint);color:var(--teal);font-weight:700;flex-shrink:0}.savings-top p{color:var(--teal);font-size:.9rem;font-weight:600}.savings-card h3{font-size:1.55rem;margin-bottom:14px}.savings-check{margin-top:22px;padding:18px;background:var(--bg);border-left:3px solid var(--gold);border-radius:4px}.savings-check h4{margin:0 0 8px;font-size:.9rem}.savings-check p{font-size:.9rem}.savings-card .source{margin-top:auto;padding-top:18px}@media(max-width:650px){.savings-grid{grid-template-columns:1fr}.savings-card{padding:24px}}

.lb-section{background:#F3F7F6;padding-block:80px}.lb-hero{display:grid;grid-template-columns:1.15fr 1fr;gap:64px;align-items:center}.lb-heading h2{font-size:clamp(1.9rem,3.3vw,2.65rem);line-height:1.4}.lb-heading h2 span{color:var(--teal)}.lb-lead{font-size:1.05rem;line-height:1.9;margin-top:24px;max-width:460px}.lb-visual{border-radius:26px;background:#E3EFEB;padding:30px;text-align:center;position:relative;overflow:hidden}.lb-visual-label{font-size:.8rem;color:#456960;letter-spacing:.04em}.lb-daily{display:flex;gap:12px;margin:26px 0}.lb-daily>div{flex:1;background:#fff;border-radius:16px;padding:20px 8px 16px;box-shadow:0 7px 20px #214D4210}.lb-daily>div:nth-child(2){transform:translateY(-8px);background:#FFF8E6}.lb-daily svg{width:44px;height:44px;color:var(--teal);display:block;margin:0 auto 10px}.lb-daily span{font-size:.8rem;color:var(--ink);font-weight:600}.lb-visual>p{font-size:.95rem;line-height:1.7}.lb-visual strong{color:var(--teal)}.lb-definition{margin-top:44px;background:#fff;border:1px solid #DDE8E3;border-radius:18px;padding:30px 34px;display:flex;gap:30px;align-items:flex-start}.lb-pill{padding:7px 14px;background:#E7F1ED;color:var(--teal);font-size:.8rem;font-weight:650;border-radius:30px;white-space:nowrap}.lb-definition h3{font-size:1.25rem;margin-bottom:12px}.lb-definition p{max-width:730px;line-height:1.9;font-size:.95rem}.lb-check-heading{margin-top:54px}.lb-check-heading .eyebrow{margin-bottom:10px}.lb-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin-top:24px}.lb-grid article{background:#fff;border:1px solid #DDE8E3;border-radius:18px;padding:28px;display:flex;flex-direction:column;align-items:flex-start}.lb-number{font-size:.8rem;font-weight:700;color:var(--teal);background:#EDF5F1;border-radius:50%;height:36px;width:36px;display:grid;place-items:center;margin-bottom:22px}.lb-grid h3{font-size:1.25rem;line-height:1.55;margin-bottom:16px}.lb-grid p{font-size:.94rem;line-height:1.9;margin-bottom:26px}.lb-card-foot{border-top:1px solid var(--line);padding-top:15px;margin-top:auto;width:100%;font-size:.78rem;color:var(--teal);font-weight:600}.lb-fineprint{padding:24px 4px;max-width:860px;font-size:.8rem}.lb-fineprint strong{display:block;margin-bottom:6px;color:#52645F}.lb-fineprint p{line-height:1.85;color:#52645F}.lb-fineprint .source{margin-top:8px}.lb-cta{border-top:1px solid #D0DFD9;padding-top:32px;display:flex;justify-content:space-between;align-items:center;gap:28px}.lb-cta h3{font-size:1.2rem}.lb-cta p{font-size:.9rem;margin-top:8px}.lb-cta .micro{text-align:center;font-size:.78rem}.lb-mobile-break{display:none}
@media(max-width:850px){.lb-hero{gap:30px;grid-template-columns:1fr}.lb-visual{max-width:520px}.lb-grid{grid-template-columns:1fr}.lb-grid article{padding:26px}.lb-grid h3 br{display:none}.lb-grid p{margin-bottom:18px}.lb-number{margin-bottom:14px}.lb-cta{align-items:flex-start;flex-direction:column}.lb-definition{flex-direction:column;gap:16px;padding:26px}.lb-section{padding-block:54px}}@media(max-width:480px){.lb-visual{padding:24px 16px}.lb-daily{gap:8px}.lb-mobile-break{display:block}.lb-cta .button{font-size:.85rem;padding-inline:16px;gap:12px}.lb-heading h2{font-size:1.8rem}.lb-cta>div{width:100%}.lb-cta .button{width:100%}}

.brand{display:inline-flex;align-items:center;gap:10px}.brand .brand-name{color:var(--ink)}.brand-mark{width:44px;height:44px;object-fit:contain;border-radius:50%;flex-shrink:0}@media(max-width:580px){.brand{gap:6px;font-size:1.1rem}.brand-mark{width:32px;height:32px}}@media(max-width:380px){.header-inner{gap:7px}.brand{font-size:1rem}.header-cta{font-size:.7rem;padding:8px}.brand-mark{width:28px;height:28px}}

.topic-illustration{display:block;width:100%;height:auto;aspect-ratio:8/5;object-fit:cover;border-radius:12px;background:var(--mint)}.topic-card{padding:26px 24px;gap:20px}.topic-card h3{font-size:clamp(1.25rem,2vw,1.6rem)}.topic-card .text-link{padding-top:6px}@media(max-width:800px) and (min-width:581px){.topic-illustration{max-height:280px;object-fit:contain}}

.topic-card{min-width:0;overflow:hidden}.topic-card .topic-illustration{max-width:100%;flex-shrink:0}

.language-switch{flex-shrink:0;font-size:.8rem;font-weight:650;color:var(--teal);padding:8px 6px;min-height:44px;display:inline-flex;align-items:center;text-decoration:underline;text-underline-offset:4px}html[lang="en-US"] h1{letter-spacing:-.045em}html[lang="en-US"] h2,html[lang="en-US"] h3{letter-spacing:-.025em}html[lang="en-US"] p{word-break:normal}html[lang="en-US"] .header-inner{gap:18px}html[lang="en-US"] nav{gap:15px}html[lang="en-US"] .topic-card h3{font-size:1.5rem}html[lang="en-US"] .savings-card h3{overflow-wrap:anywhere}@media(max-width:1100px){html[lang="en-US"] .menu-toggle{display:block;margin-left:auto;background:#fff;border:1px solid var(--line);border-radius:6px;min-height:44px;padding:8px 12px}html[lang="en-US"] .header-inner{flex-wrap:wrap;gap:10px}html[lang="en-US"] header nav{display:none;width:100%;order:4;margin:0;padding:6px 0 18px;flex-wrap:wrap}html[lang="en-US"] header nav.is-open{display:flex}}@media(max-width:580px){.header-inner{gap:7px}.language-switch{font-size:.75rem;padding-inline:3px}html[lang="en-US"] .header-inner{gap:7px}html[lang="en-US"] .brand{font-size:1rem}html[lang="en-US"] .brand-mark{width:28px;height:28px}html[lang="en-US"] .header-cta{font-size:.75rem;padding:8px}html[lang="en-US"] .hero h1{font-size:2.45rem}}