.hl-expert-guide{--navy:#0a2d5a;--blue:#2d6ee1;--gray:#4b505a;--bg:#f5f5fa;--text-secondary:#5b6270;--text-tertiary:#8a90a0;--border:#e4e6ec;--border-strong:#d6d9e0;--surface:#fff}.hl-expert-guide *{box-sizing:border-box;margin:0;padding:0}.hl-expert-guide{color:var(--navy);background:var(--bg);font-family:Pretendard,-apple-system,BlinkMacSystemFont,Malgun Gothic,sans-serif;line-height:1.5}.hl-expert-guide .container{max-width:820px;margin:0 auto;padding:0 28px}.hl-expert-guide .icon{vertical-align:-.15em;flex-shrink:0;width:1em;height:1em}.hl-expert-guide .nav{background:var(--surface);border-bottom:.5px solid var(--border);z-index:100;justify-content:space-between;align-items:center;padding:16px 28px;display:flex;position:sticky;top:0}.hl-expert-guide .logo{color:var(--navy);font-size:17px;font-weight:700;text-decoration:none}.hl-expert-guide .back-link{color:var(--text-secondary);align-items:center;gap:6px;font-size:13px;text-decoration:none;display:inline-flex}.hl-expert-guide .page-head{padding:44px 0 32px}.hl-expert-guide .page-eyebrow{color:var(--blue);align-items:center;gap:6px;margin-bottom:10px;font-size:12px;font-weight:600;display:flex}.hl-expert-guide .page-title{color:var(--navy);margin-bottom:10px;font-size:26px;font-weight:700}.hl-expert-guide .page-sub{color:var(--text-secondary);font-size:14px;line-height:1.7}.hl-expert-guide .section{border-top:.5px solid var(--border);padding:36px 0}.hl-expert-guide .section-title{color:var(--navy);align-items:center;gap:8px;margin-bottom:6px;font-size:18px;font-weight:700;display:flex}.hl-expert-guide .section-sub{color:var(--text-secondary);margin-bottom:24px;font-size:13px}.hl-expert-guide .step-list{flex-direction:column;display:flex}.hl-expert-guide .step-row{border-bottom:.5px solid var(--border);gap:16px;padding:20px 0;display:flex}.hl-expert-guide .step-row:last-child{border-bottom:none}.hl-expert-guide .step-num{background:var(--navy);color:#fff;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;width:32px;height:32px;font-size:13px;font-weight:700;display:flex}.hl-expert-guide .step-title{color:var(--navy);margin-bottom:6px;font-size:15px;font-weight:700}.hl-expert-guide .step-desc{color:var(--text-secondary);font-size:13px;line-height:1.7}.hl-expert-guide .step-tips{flex-wrap:wrap;gap:6px;margin-top:10px;display:flex}.hl-expert-guide .step-tip{color:var(--text-tertiary);background:var(--bg);border-radius:999px;padding:4px 10px;font-size:11px}.hl-expert-guide .pel-grid{grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:8px;display:grid}.hl-expert-guide .pel-card{background:var(--surface);border:.5px solid var(--border);border-radius:12px;padding:18px}.hl-expert-guide .pel-label{color:var(--blue);margin-bottom:8px;font-size:11px;font-weight:700}.hl-expert-guide .pel-text{color:var(--navy);font-size:13px;line-height:1.6}.hl-expert-guide .fee-box{color:var(--navy);background:#f5f9ff;border:.5px solid #c9e0f5;border-radius:12px;padding:18px 20px;font-size:13px;line-height:1.8}.hl-expert-guide .fee-box a{color:var(--blue);font-weight:600;text-decoration:none}.hl-expert-guide .fee-box a:hover{text-decoration:underline}.hl-expert-guide .faq-item{border-bottom:.5px solid var(--border)}.hl-expert-guide .faq-q{text-align:left;cursor:pointer;width:100%;color:var(--navy);background:0 0;border:none;justify-content:space-between;align-items:center;gap:12px;padding:16px 2px;font-size:13px;font-weight:600;display:flex}.hl-expert-guide .faq-q svg{color:var(--text-tertiary);flex-shrink:0;font-size:16px;transition:transform .2s}.hl-expert-guide .faq-item.open .faq-q svg{color:var(--blue);transform:rotate(180deg)}.hl-expert-guide .faq-a{max-height:0;transition:max-height .25s;overflow:hidden}.hl-expert-guide .faq-a-inner{color:var(--text-secondary);padding:0 2px 16px;font-size:13px;line-height:1.7}.hl-expert-guide .faq-item.open .faq-a{max-height:200px}.hl-expert-guide .cta-box{background:linear-gradient(135deg, var(--navy) 0%, #123a72 100%);text-align:center;color:#fff;border-radius:16px;margin-top:8px;padding:32px}.hl-expert-guide .cta-box h2{margin-bottom:8px;font-size:19px;font-weight:700}.hl-expert-guide .cta-box p{color:#ffffffbf;margin-bottom:20px;font-size:13px}.hl-expert-guide .cta-row{flex-wrap:wrap;justify-content:center;gap:10px;display:flex}.hl-expert-guide .cta-row a{border-radius:8px;padding:13px 22px;font-size:14px;font-weight:600;text-decoration:none}.hl-expert-guide .cta-primary{background:var(--blue);color:#fff}.hl-expert-guide .cta-secondary{color:#fff;background:#ffffff1a;border:1px solid #ffffff4d}@media (max-width:768px){.hl-expert-guide .pel-grid{grid-template-columns:1fr}}.hl-expert-guide{--blue-soft:#edf3fe;--navy-deep:#071f3e;--shadow-sm:0 2px 10px #0a2d5a0d;--shadow-md:0 12px 32px #0a2d5a14;--navy:#0a2d5a!important;--blue:#2d6ee1!important;--gray:#4b505a!important;--bg:#f5f5fa!important;--surface:#fff!important;--text-secondary:#4b505a!important;--text-tertiary:#8a909b!important;--border:#e7e9f0!important;--border-strong:#d6dce6!important}html{scroll-behavior:smooth}.hl-expert-guide{word-break:keep-all;-webkit-font-smoothing:antialiased;color:var(--navy)!important;background:#fff!important;font-family:Pretendard,Pretendard Variable,-apple-system,BlinkMacSystemFont,system-ui,Malgun Gothic,sans-serif!important;line-height:1.65!important}.hl-expert-guide .container{width:min(100% - 40px,1040px);padding-left:0!important;padding-right:0!important}.hl-expert-guide .nav{-webkit-backdrop-filter:blur(16px);background:#ffffffe6!important;border-bottom:1px solid #e7e9f0eb!important;padding-top:17px!important;padding-bottom:17px!important}.hl-expert-guide .logo{line-height:1.1;display:inline-block;position:relative;letter-spacing:.02em!important;color:var(--navy)!important;font-family:Pretendard,Pretendard Variable,sans-serif!important;font-size:20px!important;font-weight:900!important}.hl-expert-guide .logo:after{content:"";background:var(--blue);border-radius:999px;width:100%;height:3px;margin-top:5px;display:block}.hl-expert-guide .back-link{transition:color .15s;font-weight:600!important}.hl-expert-guide .back-link:hover{color:var(--blue)!important}.hl-expert-guide .page-head{padding-top:64px!important;padding-bottom:34px!important}.hl-expert-guide .page-eyebrow{letter-spacing:-.01em;color:var(--blue)!important;margin-bottom:12px!important;font-weight:800!important}.hl-expert-guide .page-eyebrow .icon{color:var(--blue)}.hl-expert-guide .page-title{color:var(--navy)!important;letter-spacing:-.035em!important;font-size:32px!important;font-weight:800!important;line-height:1.3!important}.hl-expert-guide .page-sub{font-weight:500;color:var(--gray)!important;font-size:15px!important;line-height:1.75!important}.hl-expert-guide button,.hl-expert-guide a,.hl-expert-guide input,.hl-expert-guide select{font-family:inherit}.hl-expert-guide button,.hl-expert-guide a{transition:background .16s,color .16s,border-color .16s,box-shadow .16s,transform .16s}.hl-expert-guide :focus-visible{outline-offset:3px;outline:3px solid #2d6ee152}@media (max-width:768px){.hl-expert-guide .container{width:min(100% - 32px,1040px)}.hl-expert-guide .nav{padding-left:18px!important;padding-right:18px!important}.hl-expert-guide .page-head{padding-top:44px!important}.hl-expert-guide .page-title{font-size:26px!important}}.hl-expert-guide .container{max-width:860px!important}.hl-expert-guide .section{border-color:var(--border)!important;padding:44px 0!important}.hl-expert-guide .section-title{letter-spacing:-.02em;font-size:20px!important;font-weight:800!important}.hl-expert-guide .section-title .icon{color:var(--blue)}.hl-expert-guide .step-row{border-color:var(--border)!important;gap:18px!important;padding:24px 0!important}.hl-expert-guide .step-num{background:var(--navy)!important;border-radius:12px!important;width:38px!important;height:38px!important;font-weight:800!important}.hl-expert-guide .step-title{font-size:16px!important;font-weight:700!important}.hl-expert-guide .step-desc{color:var(--gray)!important}.hl-expert-guide .step-tip{background:var(--blue-soft)!important;color:var(--blue)!important;font-weight:600!important}.hl-expert-guide .pel-grid{gap:16px!important}.hl-expert-guide .pel-card{box-shadow:var(--shadow-sm);border:1px solid var(--border)!important;border-radius:16px!important;padding:22px!important}.hl-expert-guide .pel-label{color:var(--blue)!important;font-weight:800!important}.hl-expert-guide .fee-box{background:var(--blue-soft)!important;border:1px solid #d7e3f9!important;border-radius:16px!important;padding:22px!important}.hl-expert-guide .cta-box{box-shadow:0 18px 42px #0a2d5a1f;background:var(--navy)!important;border-radius:22px!important;padding:38px!important}.hl-expert-guide .cta-primary{background:var(--blue)!important;border-radius:12px!important}.hl-expert-guide .cta-secondary{border-radius:12px!important}.hl-expert-guide .faq-q{font-weight:700!important}
