 <style>

   :root{
    --navy:#163a70;
    --navy-dark:#10294d;
    --blue:#2458a6;
    --blue-soft:#edf3fb;
    --light:#f7f8fa;
    --line:#d7dde5;
    --text:#1f2937;
    --sub:#5f6b7a;
    --white:#ffffff;
    --shadow:none;
    --shadow-lg:none;
    --radius:8px;	
	--primary:#2458a6;
    --primary-light:#edf3fb;
	--primary-dark:#113f74;
	--bg:#f6f9fc;
	--text:#1f2937;
	--line:#d8e3ef;
	--white:#fff;
	--service:#318bdc;
	--service-dark:#2471b7;
	--container:1280px;
	--top-h:48px;
	--nav-h:84px;
    }

    *{ box-sizing:border-box; }
    html, body{ margin:0; padding:0; }

    body{
      font-family:'Noto Sans KR', sans-serif;
      color:var(--text);
      background:#fff;
      line-height:1.5;
      min-height:100vh;
    }

    a{
      text-decoration:none;
      color:inherit;
    }

    img{
      display:block;
      max-width:100%;
    }

    ul{
      list-style:none;
      margin:0;
      padding:0;
    }

    .container{
      width:min(100% - 32px, var(--container));
      margin:0 auto;
    }


   .sub-hero{
	  position:relative;
	  padding:50px 0 30px;
	  color:#fff;
	  overflow:hidden;
	  background:
		linear-gradient(120deg, rgba(22,58,112,.95), rgba(36,88,166,.85)),
		url('https://images.unsplash.com/photo-1524995997946-a1c2e315a42f?q=80&w=1600&auto=format&fit=crop') center/cover no-repeat;
	}

	/* 부드러운 빛 효과 */
	.sub-hero::before{
	  content:"";
	  position:absolute;
	  inset:0;
	  background:
		radial-gradient(circle at 20% 30%, rgba(255,255,255,.15), transparent 40%),
		radial-gradient(circle at 80% 70%, rgba(255,255,255,.08), transparent 40%);
	  pointer-events:none;
	}

	/* 하단 그라데이션 */
	.sub-hero::after{
	  content:"";
	  position:absolute;
	  left:0;
	  right:0;
	  bottom:0;
	  height:80px;
	  background:linear-gradient(to bottom, transparent, rgba(0,0,0,.15));
	}

	/* 컨텐츠 */
	.sub-hero .container{
	  position:relative;
	  z-index:2;
	}

	.sub-hero .container{
	  text-align:left;
	  max-width:1200px;
	}

	.sub-hero h1::after{
	  content:"";
	  display:block;
	  width:40px;
	  height:3px;
	  background:#fff;
	  margin-top:14px;
	  opacity:.7;
	}


	/* 제목 */
	.sub-hero h1{
	  font-size:44px;
	  font-weight:800;
	  letter-spacing:-0.04em;
	  margin-bottom:14px;
	}

	/* 설명 */
	.sub-hero p{
	  font-size:17px;
	  color:rgba(255,255,255,.85);
	  letter-spacing:-0.01em;
	  margin-bottom:6px;
	}

	/* 브레드크럼 */
	.breadcrumb-wrap{
	  margin-top:30px;
	  display:flex;
	  justify-content:center;
	}

	.breadcrumb-box{
	  display:flex;
	  align-items:center;
	  gap:10px;
	  padding:10px 20px;
	  border-radius:999px;

	  background:rgba(255,255,255,.12);
	  border:1px solid rgba(255,255,255,.2);
	  backdrop-filter:blur(10px);

	  font-size:14px;
	  color:#fff;
	}

    .breadcrumb-box i{
      font-size:13px;
      opacity:.8;
    }

	/* 본문 레이아웃 */
    .sub-layout{
      padding:50px 0 80px;
    }

    .sub-grid{
      display:grid;
      grid-template-columns:280px minmax(0, 1fr);
      gap:30px;
      align-items:start;
    }

    .lnb{
      background:#fff;
      border:1px solid var(--line);
      border-radius:24px;
      box-shadow:var(--shadow);
      overflow:hidden;
      position:sticky;
      top:30px;
    }

    .lnb-head{
      padding:24px 24px 20px;
      background:linear-gradient(135deg, var(--primary), #2458a6);
      color:#fff;
    }

    .lnb-head h2{
      margin:0;
      font-size:24px;
      font-weight:800;
      letter-spacing:-0.02em;
    }

    .lnb-list{
      padding:14px;
    }

    .lnb-list a{
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:12px;
      padding:15px 16px;
      border-radius:14px;
      color:#334155;
      font-size:16px;
      font-weight:600;
      transition:.22s ease;
    }

    .lnb-list a:hover{
      background:#f4f7fb;
      color:var(--primary);
    }

    .lnb-list a.active{
      background:#edf3fb;
      color:var(--primary);
      font-weight:800;
    }

    .lnb-list a i{
      font-size:13px;
      opacity:.8;
    }

    .content-area{
      min-width:0;
    }

    .page-card{
      background:#fff;
      border:1px solid var(--line);
      border-radius:28px;
      box-shadow:var(--shadow);
      overflow:hidden;
    }

    .page-card-top{
      padding:34px 38px 20px;
      border-bottom:1px solid #eef2f7;
      background:linear-gradient(to bottom, #fbfcfe, #fff);
    }

    .page-title{
      margin:0;
      font-size:32px;
      font-weight:800;
      letter-spacing:-0.03em;
      color:#172554;
    }

    .page-desc{
      margin:10px 0 0;
      color:var(--sub);
      font-size:15px;
    }

    .page-card-body{
      padding:34px 38px 44px;
    }

    .section-block{
      margin-bottom:36px;
    }

    .section-block:last-child{
      margin-bottom:0;
    }

    .section-title{
      display:flex;
      align-items:center;
      gap:10px;
      margin:0 0 16px;
      font-size:26px;
      font-weight:800;
      color:#111827;
      letter-spacing:-0.03em;
    }

    .section-title::before{
      content:"";
      width:10px;
      height:10px;
      background:var(--primary);
      clip-path:polygon(0 0, 100% 50%, 0 100%);
      flex:0 0 10px;
    }

    .table-wrap{
      border-top:3px solid #6b7280;
      margin-top:10px;
      overflow-x:auto;
    }

    .doc-table{
      width:90%;
      min-width:780px;
      border-collapse:collapse;
      table-layout:fixed;
    }

    .doc-table th,
    .doc-table td{
      border-bottom:1px solid var(--line-dark);
      border-right:1px solid #e5eaf0;
      padding:16px 12px;
      text-align:center;
      vertical-align:middle;
      color:#4b5563;
      font-size:16px;
      line-height:1.7;
      word-break:keep-all;
    }

    .doc-table th:last-child,
    .doc-table td:last-child{
      border-right:0;
    }

    .doc-table thead th{
      background:var(--thead);
      color:#4b5563;
      font-size:17px;
      font-weight:800;
      padding:14px 10px;
    }

    .doc-table thead tr.sub th{
      font-size:14px;
      font-weight:700;
      padding:10px 8px;
    }

    .doc-table tbody th{
      background:#f8fafc;
      font-size:16px;
      font-weight:700;
      color:#4b5563;
    }

    .circle{
      font-size:22px;
      line-height:1;
      color:#7b8794;
      display:inline-block;
    }

    .download-btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      padding:12px 18px;
      background:var(--btn-red);
      color:#fff;
      font-size:14px;
      font-weight:800;
      border-radius:0;
      transition:.2s ease;
      min-width:270px;
    }

    .download-btn:hover{
      background:var(--btn-red-dark);
      color:#fff;
    }

    .guide-list{
      margin:16px 0 0;
      padding:0;
      list-style:none;
    }

    .guide-list li{
      position:relative;
      padding-left:14px;
      margin-bottom:6px;
      color:#4b5563;
      font-size:17px;
      line-height:1.9;
      word-break:keep-all;
    }

    .guide-list li::before{
      content:"-";
      position:absolute;
      left:0;
      top:0;
      font-weight:700;
      color:#4b5563;
    }

    .text-box{
      padding:0px 26px;
      border:1px solid var(--line-dark);
      border-radius:20px;
      background:#fff;
    }

    .bullet-list{
      list-style:none;
      margin:0;
      padding:0;
    }

    .bullet-list li{
      position:relative;
      padding-left:14px;
      margin-bottom:6px;
      color:#4b5563;
      font-size:17px;
      line-height:1.9;
      word-break:keep-all;
    }

    .bullet-list li::before{
      content:"-";
      position:absolute;
      left:0;
      top:0;
      font-weight:700;
      color:#4b5563;
    }
	
	
    /* footer */
    .footer{
      padding:34px 0;
      background:#1f2937;
      color:rgba(255,255,255,.8);
      font-size:14px;
    }
    .footer p{
      margin:4px 0;
    }
	
	/* =========================
       상단 헤더 서브메뉴 보정
       header.php 구조 대응용
    ========================= */
	
	/* PC */	
    @media (min-width: 992px){
      .nav-item.has-submenu{
        position:relative;
      }

      .nav-item.has-submenu .submenu,
      .nav-item.has-submenu .sub-menu,
      .nav-item.has-submenu .dropdown-menu{
        position:absolute;
        top:100%;
        left:50%;
        transform:translateX(-50%) translateY(12px);
        min-width:220px;
        padding:10px 0;
        background:#fff;
        border:1px solid #dfe7f0;
        border-radius:18px;
        box-shadow:0 20px 40px rgba(15,23,42,.12);
        opacity:0;
        visibility:hidden;
        pointer-events:none;
        transition:.22s ease;
        z-index:9999;
      }

      .nav-item.has-submenu:hover .submenu,
      .nav-item.has-submenu:hover .sub-menu,
      .nav-item.has-submenu:hover .dropdown-menu,
      .nav-item.has-submenu.open .submenu,
      .nav-item.has-submenu.open .sub-menu,
      .nav-item.has-submenu.open .dropdown-menu{
        opacity:1;
        visibility:visible;
        pointer-events:auto;
        transform:translateX(-50%) translateY(0);
      }

      .nav-item.has-submenu .submenu a,
      .nav-item.has-submenu .sub-menu a,
      .nav-item.has-submenu .dropdown-menu a{
        display:block;
        padding:12px 18px;
        font-size:15px;
        color:#334155;
        white-space:nowrap;
        transition:.2s ease;
      }

      .nav-item.has-submenu .submenu a:hover,
      .nav-item.has-submenu .sub-menu a:hover,
      .nav-item.has-submenu .dropdown-menu a:hover{
        background:#f4f7fb;
        color:var(--primary);
      }
    }
	
	/* PC에서 오른쪽 정렬 */
	@media (min-width: 992px){
	  .breadcrumb-wrap{
		justify-content:flex-end;
	  }
	}


    /* 모바일 */	
    @media (max-width: 991px){
     .sub-hero{
		padding:20px 0 28px;
	  }

	  .sub-hero h1{
		font-size:32px;
	  }

	  .sub-hero p{
		font-size:16px;
	  }

	  .breadcrumb-wrap{
		margin-top:45px;
	  }

	  .breadcrumb-box{
		font-size:14px;
		padding:9px 16px;
	  }

      .sub-grid{
        grid-template-columns:1fr;
        gap:20px;
      }

      .lnb{
        position:static;
      }

      .lnb-head{
        display:none;
      }

      .page-card-top{
        padding:26px 22px 18px;
      }

      .page-title{
        font-size:28px;
      }

      .page-card-body{
        padding:24px 22px 30px;
      }

      .section-title{
        font-size:22px;
      }

      .doc-table th,
      .doc-table td,
      .guide-list li,
      .bullet-list li{
        font-size:15px;
      }

      .doc-table thead th{
        font-size:15px;
      }

      .doc-table thead tr.sub th{
        font-size:13px;
      }

      .download-btn{
        min-width:220px;
        font-size:13px;
        padding:11px 14px;
      }

      .text-box{
        padding:18px 18px;
      }

      .nav-item.has-submenu .submenu,
      .nav-item.has-submenu .sub-menu,
      .nav-item.has-submenu .dropdown-menu{
        display:none;
        position:static;
        transform:none;
        min-width:100%;
        margin-top:8px;
        padding:8px 0 4px;
        background:#f8fafc;
        border:1px solid #e5ebf2;
        border-radius:14px;
        box-shadow:none;
        opacity:1;
        visibility:visible;
        pointer-events:auto;
      }

      .nav-item.has-submenu.open .submenu,
      .nav-item.has-submenu.open .sub-menu,
      .nav-item.has-submenu.open .dropdown-menu{
        display:block;
      }

      .nav-item.has-submenu .submenu a,
      .nav-item.has-submenu .sub-menu a,
      .nav-item.has-submenu .dropdown-menu a{
        display:block;
        padding:11px 16px;
        font-size:15px;
        color:#475569;
      }
    }
 </style>