:root{--bg:#f6f7fb;--card:#fff;--line:#e6e8ef;--tx:#111827;--mute:#6b7280;--brand:#4f46e5;--brand2:#eef2ff;--ok:#059669;--bad:#dc2626;--warn:#d97706}
*{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--tx);font:15px/1.5 Pretendard,"Apple SD Gothic Neo","Malgun Gothic",sans-serif}
a{color:var(--brand)}
button,input,select,textarea{font:inherit}
.top{position:sticky;top:0;z-index:5;background:#fff;border-bottom:1px solid var(--line)}
.top .in{max-width:1180px;margin:0 auto;padding:0 20px;height:60px;display:flex;align-items:center;gap:20px}
.logo{display:flex;align-items:center;gap:8px;font-weight:800;font-size:18px;color:var(--tx);text-decoration:none}
.logo img{width:28px;height:28px}
.nav{display:flex;gap:4px;flex:1;overflow-x:auto}
.nav button{border:0;background:none;padding:8px 12px;border-radius:8px;color:var(--mute);cursor:pointer;white-space:nowrap}
.nav button.on{background:var(--brand2);color:var(--brand);font-weight:700}
.wrap{max-width:1180px;margin:0 auto;padding:24px 20px 80px}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px;margin-bottom:16px}
h1{font-size:24px;margin:0 0 6px}h2{font-size:18px;margin:0 0 14px}h3{font-size:15px;margin:0 0 10px}
.mute{color:var(--mute)}.small{font-size:13px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:6px;border:1px solid var(--line);background:#fff;color:var(--tx);border-radius:10px;padding:9px 16px;cursor:pointer;font-weight:600;text-decoration:none}
.btn.pri{background:var(--brand);border-color:var(--brand);color:#fff}
.btn.ok{background:var(--ok);border-color:var(--ok);color:#fff}
.btn.bad{color:var(--bad);border-color:#fecaca}
.btn.sm{padding:5px 10px;font-size:13px;border-radius:8px}
.btn:disabled{opacity:.5;cursor:default}
label{display:block;font-size:13px;font-weight:600;margin:12px 0 5px}
input,select,textarea{width:100%;border:1px solid var(--line);border-radius:10px;padding:10px 12px;background:#fff;color:var(--tx)}
input:focus,textarea:focus,select:focus{outline:2px solid #c7d2fe;border-color:var(--brand)}
.row{display:flex;gap:12px;flex-wrap:wrap}.row>*{flex:1;min-width:140px}
.kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:12px;margin-bottom:16px}
.kpi{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px}
.kpi b{display:block;font-size:24px;margin-top:4px;font-variant-numeric:tabular-nums}
table{width:100%;border-collapse:collapse;font-size:14px}
th,td{padding:10px 8px;border-bottom:1px solid var(--line);text-align:left;vertical-align:middle}
th{color:var(--mute);font-weight:600;font-size:13px;white-space:nowrap}
td.n,th.n{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.tbl{overflow-x:auto}
.tag{display:inline-block;padding:2px 8px;border-radius:999px;font-size:12px;font-weight:700;background:#f3f4f6;color:var(--mute);white-space:nowrap}
.tag.ok{background:#d1fae5;color:#065f46}.tag.bad{background:#fee2e2;color:#991b1b}.tag.warn{background:#fef3c7;color:#92400e}.tag.blue{background:var(--brand2);color:var(--brand)}
.grid2{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:16px}
@media (max-width:860px){.grid2{grid-template-columns:1fr}}
.code{background:#0f172a;color:#e2e8f0;border-radius:10px;padding:14px;font:13px/1.6 Consolas,monospace;white-space:pre-wrap;word-break:break-all}
.toast{position:fixed;left:50%;bottom:28px;transform:translateX(-50%);background:#111827;color:#fff;padding:12px 18px;border-radius:12px;z-index:99;box-shadow:0 8px 30px rgba(0,0,0,.2);max-width:90vw}
.modal{position:fixed;inset:0;background:rgba(15,23,42,.5);display:flex;align-items:center;justify-content:center;z-index:50;padding:16px}
.modal .box{background:#fff;border-radius:16px;padding:24px;width:100%;max-width:400px}
.auth{max-width:420px;margin:40px auto}
.hero{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:center;margin:20px 0 32px}
.hero h1{font-size:34px;line-height:1.25;letter-spacing:-.5px}
@media (max-width:860px){.hero{grid-template-columns:1fr}.hero h1{font-size:26px}}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:20px 0}
.steps div{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px}
.steps b{color:var(--brand);display:block}
@media (max-width:640px){.steps{grid-template-columns:1fr}}
.thumb{width:56px;height:40px;object-fit:contain;border:1px solid var(--line);border-radius:6px;background:#fff}
.empty{text-align:center;padding:30px;color:var(--mute)}
.bankbox{background:var(--brand2);border-radius:12px;padding:14px;margin-top:12px}