/* ══════════════════════════════════════════════════════════
   실비청구허브 · style.css  (단일 통합본 2026-08)
   ══════════════════════════════════════════════════════════ */

/* ── CSS 변수 ── */
:root {
  --primary:      #1B4FBF;
  --primary-dark: #133A99;
  --primary-light:#E8EFFE;
  --accent:       #0D9488;
  --accent-light: #E0F7F5;
  --text:         #1A202C;
  --text-muted:   #6B7280;
  --border:       #E5E7EB;
  --border-dark:  #D1D5DB;
  --bg:           #FFFFFF;
  --bg-gray:      #F9FAFB;
  --bg-blue:      #F0F4FF;
  --radius:       10px;
  --radius-sm:    6px;
  --radius-lg:    16px;
  --max-w:        1100px;
  --shadow:       0 4px 16px rgba(27,79,191,.12);
  --font:         'Noto Sans KR', sans-serif;
}

/* ── Reset & Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; }
body { font-family: var(--font); color: var(--text); background: var(--bg); line-height: 1.7; -webkit-font-smoothing: antialiased; }

/* ══ 링크 — hover 밑줄 없음 ══ */
a { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: none; color: var(--primary-dark); }

/* ── 컨테이너 ── */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
@media (max-width:480px) { .container { padding: 0 16px; } }

/* ══════════════════════════════════
   HEADER
══════════════════════════════════ */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: #fff; border-bottom: 1.5px solid var(--border);
  box-shadow: 0 1px 8px rgba(0,0,0,.06);
}
.site-header .inner {
  max-width: var(--max-w); margin: 0 auto;
  padding: 0 24px; height: 60px;
  display: flex; align-items: center; gap: 24px;
}
.site-logo { display: flex; align-items: center; gap: 10px; text-decoration: none; flex-shrink: 0; }
.logo-icon { width: 34px; height: 34px; background: var(--primary); color: #fff; border-radius: 8px; font-size: 15px; font-weight: 800; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.logo-text { font-size: 15px; font-weight: 700; color: var(--text); line-height: 1.2; }
.logo-text span { display: block; font-size: 10px; font-weight: 400; color: var(--text-muted); }
.site-nav { display: flex; gap: 2px; margin-left: auto; }
.site-nav a { padding: 6px 12px; border-radius: var(--radius-sm); font-size: 13px; font-weight: 600; color: var(--text-muted); text-decoration: none; transition: background .15s, color .15s; white-space: nowrap; }
.site-nav a:hover { background: var(--bg-blue); color: var(--primary); text-decoration: none; }
.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 6px; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--text); margin: 4px 0; border-radius: 2px; }

@media (max-width:768px) {
  .site-nav { display: none; flex-direction: column; position: absolute; top: 60px; left: 0; right: 0; background: #fff; border-top: 1px solid var(--border); box-shadow: 0 4px 16px rgba(0,0,0,.1); padding: 8px 0; z-index: 200; }
  .site-nav.open { display: flex; }
  .site-nav a { border-radius: 0; padding: 12px 20px; font-size: 14px; }
  .nav-toggle { display: block; }
  .site-header .inner { position: relative; }
}

/* ══════════════════════════════════
   BREADCRUMB
══════════════════════════════════ */
.breadcrumb { background: var(--bg-gray); border-bottom: 1px solid var(--border); padding: 10px 0; font-size: 12px; }
.breadcrumb ol { list-style: none; display: flex; flex-wrap: wrap; gap: 4px; align-items: center; }
.breadcrumb li::after { content: "›"; margin-left: 4px; color: var(--border-dark); }
.breadcrumb li:last-child::after { content: ""; }
.breadcrumb a { color: var(--text-muted); text-decoration: none; }
.breadcrumb a:hover { color: var(--primary); text-decoration: none; }

/* ══════════════════════════════════
   TABLE  ← 핵심 수정
══════════════════════════════════ */
.table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; border: 1.5px solid var(--border); border-radius: var(--radius); overflow: hidden; }
table { width: 100%; border-collapse: collapse; font-size: 14px; }

/* TH — 연한 배경 + 진한 글자 */
th {
  background: #EEF2FF;
  color: #1A202C;
  font-weight: 700;
  font-size: 13px;
  padding: 13px 20px;
  text-align: left;
  border-bottom: 2px solid #C7D2FE;
  white-space: nowrap;
}

/* TD */
td {
  padding: 13px 20px;
  color: #1A202C;
  border-bottom: 1px solid var(--border);
  vertical-align: middle;
  line-height: 1.65;
}
tr:last-child td { border-bottom: none; }
tr:hover td { background: #F8F9FF; }
td a { color: var(--primary); font-weight: 600; text-decoration: none; }
td a:hover { color: var(--primary-dark); text-decoration: none; }
td strong { color: #1A202C; }

/* ══════════════════════════════════
   FAQ
══════════════════════════════════ */
.faq-list { list-style: none; }
.faq-item {
  border: 1.5px solid var(--border);
  border-radius: 8px;
  margin-bottom: 8px;
  overflow: hidden;
}
.faq-q {
  /* 버튼 리셋 */
  appearance: none; -webkit-appearance: none;
  border: none; background: #fff; cursor: pointer;
  font-family: var(--font);
  /* 레이아웃 */
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  padding: 16px 20px;
  /* 텍스트 */
  text-align: left;
  font-size: 15px;
  font-weight: 700;
  color: #1A202C;
  line-height: 1.5;
}
.faq-q:hover { background: #F5F7FF; }
.faq-q::after {
  content: "+";
  font-size: 22px;
  font-weight: 300;
  color: var(--primary);
  flex-shrink: 0;
  line-height: 1;
  min-width: 22px;
  text-align: center;
}
.faq-item.open .faq-q { background: #F0F4FF; }
.faq-item.open .faq-q::after { content: "−"; }
.faq-a {
  display: none;
  padding: 14px 20px 18px;
  font-size: 14px;
  color: #374151;
  line-height: 1.8;
  background: #FAFBFF;
  border-top: 1px solid var(--border);
}
.faq-item.open .faq-a { display: block; }

/* ══════════════════════════════════
   BUTTONS
══════════════════════════════════ */
.btn { display: inline-block; padding: 11px 24px; border-radius: 8px; font-size: 14px; font-weight: 700; text-decoration: none; text-align: center; cursor: pointer; border: none; transition: all .15s; font-family: var(--font); }
.btn:hover { text-decoration: none; }
.btn-primary { background: var(--primary); color: #fff; }
.btn-primary:hover { background: var(--primary-dark); color: #fff; }
.btn-outline { background: #fff; color: var(--primary); border: 2px solid var(--primary); }
.btn-outline:hover { background: var(--bg-blue); color: var(--primary); }
.btn-teal { background: var(--accent); color: #fff; }
.btn-teal:hover { background: #0F766E; color: #fff; }

/* ══════════════════════════════════
   PHONE CARD
══════════════════════════════════ */
.phone-card { background: var(--primary); border-radius: 12px; padding: 28px 32px; text-align: center; }
.phone-label  { font-size: 13px; color: rgba(255,255,255,.88); font-weight: 600; margin-bottom: 8px; display: block; }
.phone-number { font-size: clamp(32px,6vw,48px); font-weight: 800; letter-spacing: -1px; color: #fff; line-height: 1.15; display: block; }
.phone-number a { color: #fff; text-decoration: none; }
.phone-number a:hover { color: rgba(255,255,255,.85); text-decoration: none; }
.phone-hours  { font-size: 13px; color: rgba(255,255,255,.82); margin-top: 10px; display: block; }

/* ══════════════════════════════════
   SUMMARY CARD
══════════════════════════════════ */
.summary-card { background: #fff; border: 1.5px solid var(--primary-light); border-radius: var(--radius); padding: 22px 24px; display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.summary-card h2 { font-size: 18px; font-weight: 800; grid-column: 1/-1; margin-bottom: 4px; color: var(--primary-dark); }
.summary-card .subtitle { grid-column: 1/-1; font-size: 13px; color: var(--text-muted); margin-top: -8px; margin-bottom: 4px; }
.summary-item label { font-size: 11px; color: var(--text-muted); font-weight: 700; text-transform: uppercase; letter-spacing: .5px; display: block; margin-bottom: 3px; }
.summary-item .val { font-size: 14px; font-weight: 600; color: #1A202C; }
@media (max-width:600px) { .summary-card { grid-template-columns: 1fr; } }

/* ══════════════════════════════════
   STEP LIST
══════════════════════════════════ */
.step-list { list-style: none; counter-reset: step-counter; }
.step-list li { counter-increment: step-counter; display: flex; gap: 16px; margin-bottom: 22px; }
.step-list li::before { content: counter(step-counter); min-width: 30px; height: 30px; background: var(--primary); color: #fff; border-radius: 50%; font-weight: 800; font-size: 14px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 2px; }
.step-text { flex: 1; }
.step-text strong { display: block; font-size: 15px; font-weight: 700; color: #1A202C; margin-bottom: 5px; }
.step-text p { font-size: 14px; color: #374151; margin: 0; line-height: 1.75; }

/* ══════════════════════════════════
   DOC SECTION / LIST
══════════════════════════════════ */
.doc-section { margin-bottom: 32px; }
.doc-section h2 { font-size: 19px; font-weight: 800; padding-bottom: 10px; border-bottom: 2px solid var(--primary-light); margin-bottom: 16px; color: var(--primary-dark); }
.doc-section p { color: #374151; line-height: 1.75; font-size: 14px; }
.doc-list { list-style: none; }
.doc-list li { padding: 12px 0; border-bottom: 1px solid var(--border); display: flex; gap: 10px; }
.doc-list li::before { content: "✓"; color: var(--accent); font-weight: 800; flex-shrink: 0; margin-top: 2px; }
.doc-list li div { display: flex; flex-direction: column; gap: 4px; }
.doc-list li strong { font-size: 15px; font-weight: 700; color: #1A202C; }
.issue { font-size: 13px; color: #4B5563; display: block; margin-top: 2px; }

/* ══════════════════════════════════
   HIGHLIGHT / NOTICE
══════════════════════════════════ */
.highlight { background: #EFF6FF; border: 1px solid #BFDBFE; border-radius: var(--radius); padding: 18px 20px; margin: 16px 0; }
.highlight h4 { font-size: 15px; font-weight: 700; margin-bottom: 10px; color: var(--primary-dark); }
.highlight ul { padding-left: 18px; margin: 0; }
.highlight li { font-size: 14px; line-height: 2; color: #1E3A8A; }
.highlight p { font-size: 14px; line-height: 1.8; margin: 0; color: #1E3A8A; }
.notice { background: #FEF3C7; border-left: 4px solid #D97706; padding: 14px 18px; border-radius: 0 8px 8px 0; font-size: 14px; line-height: 1.7; margin: 16px 0; color: #78350F; }

/* ══════════════════════════════════
   RELATED CARDS  (→ 하단 섹션에서 재정의)
══════════════════════════════════ */

/* ══════════════════════════════════
   AD UNIT
══════════════════════════════════ */
.ad-unit { background: #F9FAFB; border: 1.5px dashed #D1D5DB; border-radius: var(--radius); text-align: center; padding: 24px; color: #9CA3AF; font-size: 13px; margin: 28px 0; }

/* ══════════════════════════════════
   SECTION HELPERS
══════════════════════════════════ */
.section-title { font-size: clamp(20px,3vw,26px); font-weight: 800; color: var(--text); margin-bottom: 6px; }
.section-sub { font-size: 15px; color: var(--text-muted); margin-bottom: 28px; }
.grid-2 { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 18px; }
.grid-3 { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 16px; }

/* ══════════════════════════════════
   SEARCH DROPDOWN
══════════════════════════════════ */
#search-results, #search-results-2, #main-search-results, #ins-search-drop {
  display: none; position: absolute; left: 0; right: 0; top: 100%;
  background: #fff; border: 1.5px solid var(--border);
  border-radius: 0 0 12px 12px; box-shadow: 0 8px 24px rgba(0,0,0,.12);
  z-index: 300; max-height: 320px; overflow-y: auto;
}
.sr-item, .search-results-pop a { display: flex; gap: 10px; align-items: center; padding: 10px 18px; text-decoration: none; color: var(--text); border-bottom: 1px solid #F3F4F6; }
.sr-item:last-child, .search-results-pop a:last-child { border-bottom: none; }
.sr-item:hover, .search-results-pop a:hover { background: var(--bg-blue); text-decoration: none; }
.sr-type, .sr-badge { font-size: 10px; font-weight: 700; padding: 2px 8px; border-radius: 20px; flex-shrink: 0; }
.sr-name { font-size: 15px; font-weight: 600; color: #1A202C; }

/* ══════════════════════════════════
   INS CARD (구형 카드 — 하위호환)
══════════════════════════════════ */
.ins-card { display: block; background: #fff; border: 1.5px solid var(--border); border-radius: var(--radius-lg); padding: 22px; text-decoration: none; transition: border-color .2s, box-shadow .2s, transform .15s; }
.ins-card:hover { border-color: var(--primary); box-shadow: var(--shadow); transform: translateY(-2px); text-decoration: none; }
.ins-card-type { font-size: 11px; font-weight: 600; color: var(--text-muted); text-transform: uppercase; letter-spacing: .5px; margin-bottom: 6px; }
.ins-card-name { font-size: 18px; font-weight: 700; color: var(--text); margin-bottom: 10px; }
.ins-card-links { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 14px; }
.ins-card-links a { font-size: 12px; padding: 4px 10px; background: var(--bg-gray); border-radius: 4px; color: var(--text-muted); text-decoration: none; transition: all .15s; }
.ins-card-links a:hover { background: var(--primary-light); color: var(--primary); text-decoration: none; }
.ins-card-btn { display: block; text-align: center; background: var(--primary); color: #fff; border-radius: 8px; padding: 10px 16px; font-size: 13px; font-weight: 700; margin-top: 4px; transition: background .15s; }
.ins-card-btn:hover { background: var(--primary-dark); color: #fff; text-decoration: none; }

/* ══════════════════════════════════
   INS TABLE (새 테이블형)
══════════════════════════════════ */
.ins-nm-wrap .badge { display: inline-block; font-size: 10px; font-weight: 700; padding: 2px 8px; border-radius: 20px; margin-bottom: 5px; }
.badge-non-life { background: #DBEAFE; color: #1E40AF; }
.badge-life     { background: #D1FAE5; color: #065F46; }
.ins-nm-wrap .nm  { font-size: 16px; font-weight: 700; color: #1A202C; display: block; }
.ins-nm-wrap .ph  { font-size: 12px; color: #6B7280; margin-top: 3px; display: block; }
.ins-nm-wrap .app { font-size: 11px; color: #9CA3AF; margin-top: 2px; display: block; }

.ch-btns { display: flex; flex-wrap: wrap; gap: 6px; }
.ch-btn { display: inline-block; padding: 5px 13px; border: 1.5px solid #D1D5DB; border-radius: 6px; font-size: 12px; font-weight: 600; color: #374151; text-decoration: none; background: #fff; transition: all .14s; white-space: nowrap; }
.ch-btn:hover { border-color: var(--primary); color: var(--primary); background: #EEF2FF; text-decoration: none; }

.cta-btn { display: inline-block; background: var(--primary); color: #fff; border-radius: 8px; padding: 9px 18px; font-size: 13px; font-weight: 700; text-decoration: none; white-space: nowrap; transition: background .15s; }
.cta-btn:hover { background: var(--primary-dark); color: #fff; text-decoration: none; }

.ins-link-btn { display: inline-block; padding: 5px 14px; border: 1.5px solid #D1D5DB; border-radius: 6px; font-size: 12px; font-weight: 600; color: #374151; text-decoration: none; background: #fff; transition: all .14s; }
.ins-link-btn:hover { border-color: var(--primary); color: var(--primary); background: #EEF2FF; text-decoration: none; }
.ins-link-btn.cta { background: var(--primary); color: #fff; border-color: var(--primary); padding: 8px 16px; font-size: 13px; }
.ins-link-btn.cta:hover { background: var(--primary-dark); color: #fff; text-decoration: none; }

/* ══════════════════════════════════
   FOOTER
══════════════════════════════════ */
.site-footer { background: #1A202C; color: #9CA3AF; margin-top: 60px; }
.footer-inner { max-width: var(--max-w); margin: 0 auto; padding: 48px 24px 24px; }
.footer-top { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 32px; margin-bottom: 36px; }
.footer-brand .site-logo .logo-icon { background: rgba(255,255,255,.15); }
.footer-brand .site-logo .logo-text { color: #fff; }
.footer-brand .site-logo .logo-text span { color: #9CA3AF; }
.footer-brand p { font-size: 13px; color: #6B7280; margin-top: 12px; line-height: 1.7; }
.footer-col h4 { font-size: 13px; font-weight: 700; color: #fff; margin-bottom: 12px; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 8px; }
.footer-col ul li a { color: #9CA3AF; text-decoration: none; font-size: 13px; transition: color .12s; }
.footer-col ul li a:hover { color: #fff; text-decoration: none; }
.footer-disclaimer { font-size: 12px; color: #6B7280; line-height: 1.8; padding: 20px 0; border-top: 1px solid rgba(255,255,255,.08); border-bottom: 1px solid rgba(255,255,255,.08); margin-bottom: 16px; }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; font-size: 12px; color: #6B7280; flex-wrap: wrap; gap: 12px; }
.footer-bottom a { color: #6B7280; text-decoration: none; }
.footer-bottom a:hover { color: #9CA3AF; text-decoration: none; }
@media (max-width:768px) {
  .footer-top { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1/-1; }
}
@media (max-width:480px) {
  .footer-top { grid-template-columns: 1fr; }
}

/* ══════════════════════════════════
   MISC PAGE ELEMENTS
══════════════════════════════════ */
.sec-label, .sec-badge { display: inline-flex; align-items: center; gap: 6px; font-size: 11px; font-weight: 700; letter-spacing: .7px; text-transform: uppercase; padding: 4px 12px; border-radius: 20px; margin-bottom: 10px; }
.sec-label { background: #E8EFFE; color: var(--primary); }
.sec-badge.non-life { background: #DBEAFE; color: #1E40AF; }
.sec-badge.life     { background: #D1FAE5; color: #065F46; }

.info-card { background: var(--bg-gray); border-radius: var(--radius); padding: 20px; }
.info-card h3 { font-size: 17px; font-weight: 700; margin-bottom: 10px; color: var(--primary); }
.info-card p { font-size: 14px; color: #374151; line-height: 1.7; }

/* 콘텐츠 카드 */
.content-card { border: 1.5px solid var(--border); border-radius: 12px; padding: 20px; text-decoration: none; color: #1A202C; display: block; transition: border-color .2s, box-shadow .2s, transform .15s; }
.content-card:hover { border-color: var(--primary); box-shadow: 0 4px 18px rgba(27,79,191,.1); transform: translateY(-2px); text-decoration: none; }
.cc-icon  { font-size: 26px; margin-bottom: 10px; display: block; }
.cc-cat   { font-size: 10px; font-weight: 700; color: var(--accent); text-transform: uppercase; letter-spacing: .6px; margin-bottom: 4px; }
.cc-title { font-size: 15px; font-weight: 700; color: #1A202C; margin-bottom: 6px; line-height: 1.4; }
.cc-desc  { font-size: 13px; color: #4B5563; line-height: 1.65; }
.cc-arrow { font-size: 13px; color: var(--primary); font-weight: 600; margin-top: 10px; display: block; text-decoration: none; }

/* 프로세스 바 */
.process-bar { display: grid; grid-template-columns: repeat(4,1fr); gap: 0; }
.process-step { text-align: center; padding: 24px 16px; background: #fff; border: 1px solid #E8EFFE; position: relative; }
.process-step:not(:last-child)::after { content: "→"; position: absolute; right: -14px; top: 50%; transform: translateY(-50%); font-size: 18px; color: var(--primary); z-index: 1; background: #fff; }
.process-step:first-child { border-radius: 12px 0 0 12px; }
.process-step:last-child  { border-radius: 0 12px 12px 0; }
.ps-num { width: 36px; height: 36px; background: var(--primary); color: #fff; border-radius: 50%; font-size: 16px; font-weight: 800; display: flex; align-items: center; justify-content: center; margin: 0 auto 10px; }
.ps-title { font-size: 14px; font-weight: 700; margin-bottom: 6px; color: #1A202C; }
.ps-desc  { font-size: 12px; color: #4B5563; line-height: 1.65; }
.ps-link  { font-size: 12px; color: var(--primary); font-weight: 600; display: inline-block; margin-top: 8px; text-decoration: none; }
.ps-link:hover { text-decoration: none; color: var(--primary-dark); }

@media (max-width:700px) {
  .process-bar { grid-template-columns: 1fr 1fr; }
  .process-step:nth-child(2)::after { display: none; }
  .process-step:first-child { border-radius: 12px 0 0 0; }
  .process-step:nth-child(2) { border-radius: 0 12px 0 0; }
  .process-step:nth-child(3) { border-radius: 0 0 0 12px; }
  .process-step:last-child   { border-radius: 0 0 12px 0; }
}
@media (max-width:480px) {
  .process-bar { grid-template-columns: 1fr; }
  .process-step { border-radius: 0 !important; }
  .process-step:first-child { border-radius: 12px 12px 0 0 !important; }
  .process-step:last-child  { border-radius: 0 0 12px 12px !important; }
  .process-step::after { display: none !important; }
}

/* 스티키 CTA (모바일) */
.sticky-cta { display: none; position: fixed; bottom: 0; left: 0; right: 0; background: #fff; border-top: 1.5px solid var(--border); padding: 10px 16px; z-index: 500; box-shadow: 0 -4px 16px rgba(0,0,0,.1); }
.sticky-cta-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; max-width: 480px; margin: 0 auto; }
.sticky-cta-btn { display: block; text-align: center; padding: 12px 8px; border-radius: 8px; font-size: 13px; font-weight: 700; text-decoration: none; }
.sticky-cta-btn.primary { background: var(--primary); color: #fff; }
.sticky-cta-btn.primary:hover { background: var(--primary-dark); color: #fff; text-decoration: none; }
.sticky-cta-btn.outline { background: #fff; color: var(--primary); border: 1.5px solid var(--primary); }
.sticky-cta-btn.outline:hover { background: var(--bg-blue); text-decoration: none; }
@media (max-width:600px) { .sticky-cta { display: block; } }

/* 카테고리 네비 */
.cat-nav { background: #fff; border-bottom: 1.5px solid var(--border); position: sticky; top: 60px; z-index: 90; }
.cat-nav-inner { max-width: var(--max-w); margin: 0 auto; display: flex; overflow-x: auto; scrollbar-width: none; }
.cat-nav-inner::-webkit-scrollbar { display: none; }
.cat-nav-btn { display: inline-flex; align-items: center; gap: 5px; padding: 13px 20px; font-size: 13px; font-weight: 600; color: #6B7280; text-decoration: none; white-space: nowrap; border-bottom: 3px solid transparent; transition: color .2s, border-color .2s; flex-shrink: 0; }
.cat-nav-btn:hover { color: var(--primary); border-bottom-color: var(--primary); text-decoration: none; }
.cat-nav-btn.active { color: var(--primary); border-bottom-color: var(--primary); font-weight: 700; }

/* 광고 strip */
.ad-strip { background: #F9FAFB; border: 1.5px dashed #D1D5DB; border-radius: var(--radius); text-align: center; padding: 22px; color: #9CA3AF; font-size: 13px; margin: 28px 0; }

/* 필터 탭 */
.filter-tab { padding: 7px 18px; border-radius: 50px; font-size: 13px; font-weight: 600; cursor: pointer; border: 1.5px solid #D1D5DB; background: #fff; color: #374151; transition: all .15s; font-family: var(--font); }
.filter-tab:hover { border-color: var(--primary); color: var(--primary); }
.filter-tab.on { background: var(--primary); color: #fff; border-color: var(--primary); }
.filter-tab.life.on { background: var(--accent); border-color: var(--accent); }

/* 실손24 배너 */
.insure24-banner { background: linear-gradient(135deg, #0D9488, #0F766E); border-radius: 14px; padding: 24px 28px; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 16px; }
.insure24-banner .txt { color: #fff; }
.insure24-banner .txt .label { font-size: 11px; opacity: .75; letter-spacing: .6px; font-weight: 700; margin-bottom: 6px; display: block; }
.insure24-banner .txt .title { font-size: 18px; font-weight: 800; margin-bottom: 4px; display: block; }
.insure24-banner .txt .desc  { font-size: 13px; opacity: .85; display: block; }
.insure24-banner .go-btn { background: #fff; color: #0D9488; font-size: 14px; font-weight: 700; padding: 12px 24px; border-radius: 8px; text-decoration: none; flex-shrink: 0; white-space: nowrap; }
.insure24-banner .go-btn:hover { background: #f0fffe; color: #0D9488; text-decoration: none; }
@media (max-width:600px) { .insure24-banner { flex-direction: column; } }

/* quick-pills (hero) */
.quick-pill { display: inline-flex; align-items: center; gap: 5px; background: rgba(255,255,255,.18); color: #fff; border: 1.5px solid rgba(255,255,255,.35); border-radius: 50px; padding: 7px 16px; font-size: 13px; font-weight: 600; text-decoration: none; transition: background .2s; }
.quick-pill:hover { background: rgba(255,255,255,.3); color: #fff; text-decoration: none; }

/* ══════════════════════════════════
   관련 가이드 카드 그리드
══════════════════════════════════ */
.related-guides-section { margin-top: 48px; margin-bottom: 12px; }
.related-guides-section h2 { font-size: 19px; font-weight: 800; margin-bottom: 16px; color: var(--text); }

.related-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
@media (max-width: 768px) { .related-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .related-grid { grid-template-columns: 1fr; } }

.related-card {
  display: block;
  padding: 18px;
  background: #fff;
  border: 1.5px solid var(--border);
  border-radius: 12px;
  text-decoration: none;
  color: var(--text);
  transition: border-color .2s, box-shadow .2s, transform .15s;
}
.related-card:hover { border-color: var(--primary); box-shadow: 0 4px 18px rgba(27,79,191,.1); transform: translateY(-2px); text-decoration: none; }
.rc-cat { font-size: 10px; font-weight: 700; color: var(--accent); text-transform: uppercase; letter-spacing: .6px; margin-bottom: 6px; }
.rc-title { font-size: 15px; font-weight: 700; color: var(--text); line-height: 1.4; margin-bottom: 6px; }
.rc-desc { font-size: 13px; color: var(--text-muted); line-height: 1.55; }

/* ══════════════════════════════════
   가이드 시리즈 이전/다음 네비
══════════════════════════════════ */
.guide-series-nav { margin-top: 52px; padding-top: 28px; border-top: 1px solid var(--border); }
.guide-series-nav .series-label { font-size: 13px; font-weight: 600; color: var(--text-muted); margin-bottom: 14px; }
.guide-series-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
@media (max-width: 600px) { .guide-series-row { grid-template-columns: 1fr; } }

.guide-series-prev,
.guide-series-next {
  display: block;
  padding: 16px 20px;
  background: #fff;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  text-decoration: none;
  transition: border-color .2s, box-shadow .15s;
}
.guide-series-prev:hover,
.guide-series-next:hover { border-color: var(--primary); box-shadow: 0 3px 12px rgba(27,79,191,.1); text-decoration: none; }
.guide-series-next { text-align: right; }
.gsn-dir { font-size: 12px; color: var(--text-muted); margin-bottom: 4px; }
.gsn-title { font-size: 14px; font-weight: 700; color: var(--primary-dark); margin-bottom: 2px; }
.gsn-desc { font-size: 12px; color: var(--text-muted); }

/* 가이드 시리즈 — 이전/다음 중 하나만 있을 때 빈 쪽 채우기 */
.guide-series-row .gsn-empty { display: block; }

/* ══════════════════════════════════
   보험사 바로가기 버튼
══════════════════════════════════ */
.insurer-quicklinks-section {
  margin-top: 48px;
  padding: 24px;
  background: var(--bg-gray);
  border-radius: 12px;
}
.insurer-quicklinks-section h2 { font-size: 17px; font-weight: 700; margin-bottom: 8px; }
.insurer-quicklinks-section p { font-size: 14px; color: var(--text-muted); margin-bottom: 16px; }
.insurer-btn-grid { display: flex; flex-wrap: wrap; gap: 8px; }

/* 보험사 버튼 — cat-nav-btn 탭 스타일 덮어쓰기 */
.insurer-btn-grid .cat-nav-btn {
  padding: 8px 16px;
  border: 1.5px solid var(--border);
  border-bottom: 1.5px solid var(--border);
  border-radius: 8px;
  background: #fff;
  font-size: 13px;
  font-weight: 600;
  color: var(--text);
  white-space: nowrap;
  flex-shrink: 0;
  transition: border-color .15s, color .15s, background .15s;
}
.insurer-btn-grid .cat-nav-btn:hover {
  border-color: var(--primary);
  color: var(--primary);
  background: var(--bg-blue);
  text-decoration: none;
}

/* ══════════════════════════════════
   컨텐츠 그리드 (가이드 목록 등)
══════════════════════════════════ */
.content-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
@media (max-width: 900px) { .content-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 500px) { .content-grid { grid-template-columns: 1fr; } }

/* ══════════════════════════════════
   광고 컨테이너 — 침범 방지
══════════════════════════════════ */
.top-ad-wrap {
  clear: both;
  overflow: hidden;
  width: 100%;
  margin: 24px 0;
  text-align: center;
}
.top-ad-wrap ins { display: block; margin: 0 auto; }