/* iwp-apply front — .iwb 네임스페이스 */
.iwb{
  --iwb-accent:#2f5fe0;
  --iwb-accent-d:#2450c4;
  --iwb-soft:#eef3fd;
  --iwb-line:#e3e7ef;
  --iwb-line2:#d3d9e6;
  --iwb-ink:#14161c;
  --iwb-body:#4a5060;
  --iwb-muted:#5b606e;
  --iwb-faint:#9aa1b1;
  --iwb-slate:#64748b;
  --iwb-slate-soft:#eef1f5;
  --iwb-warn:#b6862c;
  --iwb-warn-soft:#fdf7ec;
  --iwb-warn-line:#f0dfbe;
  --iwb-wrap:1500px;
  font-family:'Pretendard Variable','Pretendard','Noto Sans KR',-apple-system,BlinkMacSystemFont,sans-serif;
  color:var(--iwb-ink);line-height:1.65;letter-spacing:-.02em;
  -webkit-font-smoothing:antialiased;word-break:keep-all;
}
.iwb *{box-sizing:border-box;margin:0;padding:0}
.iwb button,.iwb input,.iwb select,.iwb textarea{font-family:inherit;letter-spacing:inherit}

/* ── hero ─────────────────────────────── */
.iwb-hero{position:relative;background:linear-gradient(160deg,#eaf0fc,#f1f4fb 55%,#fbfcfe);overflow:hidden;text-align:center}
.iwb-hero::after{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(47,95,224,.06) 1px,transparent 1px);background-size:30px 30px;-webkit-mask-image:radial-gradient(ellipse 70% 70% at 50% 30%,#000,transparent 75%);mask-image:radial-gradient(ellipse 70% 70% at 50% 30%,#000,transparent 75%)}
.iwb-hero-in{position:relative;z-index:1;max-width:var(--iwb-wrap);margin:0 auto;padding:110px 40px}
.iwb-badge{display:inline-flex;align-items:center;gap:9px;font-size:13px;font-weight:700;letter-spacing:1px;color:var(--iwb-accent);background:rgba(47,95,224,.08);border:1px solid rgba(47,95,224,.18);padding:9px 18px;border-radius:50px;margin-bottom:26px}
.iwb-badge .dot{width:8px;height:8px;border-radius:50%;background:var(--iwb-accent);box-shadow:0 0 10px var(--iwb-accent)}
.iwb-hero-in h1{font-size:clamp(32px,4.4vw,56px);font-weight:800;letter-spacing:-2.2px;line-height:1.22;color:var(--iwb-ink)}
.iwb-hero-in h1 span{color:var(--iwb-accent)}
.iwb-hero-in p{margin-top:22px;font-size:clamp(15px,1.4vw,19px);color:var(--iwb-muted);line-height:1.85}

/* ── body / tabs ──────────────────────── */
.iwb-body{background:#fff;padding:0 0 90px;position:relative;z-index:2}
.iwb-in{max-width:var(--iwb-wrap);margin:0 auto;padding:0 40px}

.iwb-switch{position:relative;z-index:10;display:flex;gap:4px;margin:0 auto 44px;padding:6px;background:#f4f6fa;border:1px solid var(--iwb-line);border-radius:100px;width:fit-content;transform:translateY(-32px)}
.iwb-sw{position:relative;z-index:2;display:inline-flex;align-items:center;justify-content:center;gap:9px;
  border:0;background:transparent;cursor:pointer;-webkit-tap-highlight-color:transparent;
  padding:16px 32px;min-height:54px;border-radius:100px;
  font-size:15.5px;font-weight:700;color:var(--iwb-muted);transition:color .25s ease}
.iwb-sw > *{pointer-events:none}
.iwb-sw svg{width:18px;height:18px;flex:none}
.iwb-sw.is-on{color:#fff}
.iwb-ink{position:absolute;z-index:1;top:6px;left:6px;height:calc(100% - 12px);border-radius:100px;
  background:var(--iwb-accent);box-shadow:0 6px 18px rgba(47,95,224,.28);
  transition:transform .32s cubic-bezier(.4,.1,.2,1),width .32s cubic-bezier(.4,.1,.2,1);pointer-events:none}
@media (prefers-reduced-motion:reduce){.iwb-ink{transition:none}}

/* 히어로 없이 쓸 때(hero="no") — 스위치 끌어올림 해제 */
.iwb-nohero .iwb-body{padding-top:0}
.iwb-nohero .iwb-switch{transform:none;margin-bottom:40px}

.iwb-view{display:none}
.iwb-view.is-on{display:block;animation:iwbIn .45s ease both}
@keyframes iwbIn{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}

/* ── alert ────────────────────────────── */
.iwb-alert{display:flex;gap:14px;padding:20px 24px;border-radius:14px;margin-bottom:32px;align-items:flex-start}
.iwb-alert svg{width:22px;height:22px;flex:none;margin-top:2px}
.iwb-alert strong{display:block;font-size:16px;font-weight:800;margin-bottom:4px}
.iwb-alert p{font-size:14.5px;line-height:1.7}
.iwb-alert.is-ok{background:#eaf6ee;border:1px solid #c3e3cf;color:#1e6b3c}
.iwb-alert.is-fail{background:#fdeeee;border:1px solid #f3cccc;color:#a63232}

/* ── form ─────────────────────────────── */
.iwb-form{max-width:100%;margin:0 auto}
.iwb-hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.iwb-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px 34px}
.iwb-f.is-full{grid-column:1/-1}
.iwb-f label{display:block;font-size:14.5px;font-weight:700;color:var(--iwb-ink);margin-bottom:10px}
.iwb-f label em{font-style:normal;color:#e0453a;margin-left:2px}
.iwb-f input[type=text],.iwb-f input[type=tel],.iwb-f input[type=email],.iwb-f select,.iwb-f textarea{
  width:100%;border:1px solid var(--iwb-line);background:#f7f8fb;border-radius:12px;
  padding:15px 18px;font-size:15px;color:var(--iwb-ink);line-height:1.6;
  transition:border-color .2s ease,background .2s ease,box-shadow .2s ease}
.iwb-f textarea{resize:vertical;min-height:150px}
.iwb-f select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none'%3E%3Cpath d='M6 9l6 6 6-6' stroke='%235b606e' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 16px center;background-size:18px;padding-right:46px}
.iwb-f input::placeholder,.iwb-f textarea::placeholder{color:#a8adba}
.iwb-f input:focus,.iwb-f select:focus,.iwb-f textarea:focus{
  outline:0;background:#fff;border-color:var(--iwb-accent);box-shadow:0 0 0 4px rgba(47,95,224,.12)}

.iwb-file{position:relative;display:flex;align-items:center;gap:12px;border:1px dashed var(--iwb-line2);background:#f7f8fb;border-radius:12px;padding:12px 16px;cursor:pointer;transition:border-color .2s ease,background .2s ease}
.iwb-file:hover{border-color:var(--iwb-accent);background:#f2f5fd}
.iwb-file input[type=file]{position:absolute;inset:0;opacity:0;cursor:pointer;width:100%;height:100%}
.iwb-file-btn{flex:none;font-size:13.5px;font-weight:700;color:var(--iwb-accent);background:#fff;border:1px solid var(--iwb-line);border-radius:8px;padding:7px 14px}
.iwb-file-name{font-size:14px;color:var(--iwb-faint);overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.iwb-file.has-file .iwb-file-name{color:var(--iwb-ink);font-weight:600}
.iwb-help{margin-top:14px;font-size:13.5px;color:var(--iwb-faint)}

/* terms */
.iwb-terms{display:grid;grid-template-columns:1fr 1fr;gap:24px 34px;margin-top:40px}
.iwb-term label{display:block;font-size:14.5px;font-weight:700;margin-bottom:10px}
.iwb-term textarea{
  display:block;width:100%;max-width:100%;height:220px;resize:vertical;
  border:1px solid var(--iwb-line);border-radius:12px;background:#fafbfd;
  padding:16px 18px;font-size:13.5px;font-weight:400;line-height:1.8;color:#5f6472}
.iwb-term textarea:focus{outline:0;border-color:var(--iwb-accent);box-shadow:0 0 0 4px rgba(47,95,224,.1)}

.iwb-agree{display:flex;align-items:center;gap:11px;margin-top:28px;font-size:15px;font-weight:700;cursor:pointer}
.iwb-agree input{width:20px;height:20px;accent-color:var(--iwb-accent);cursor:pointer}

.iwb-actions{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin-top:40px}
.iwb-btn{display:inline-flex;align-items:center;gap:8px;border:0;cursor:pointer;text-decoration:none;
  background:var(--iwb-accent);color:#fff;font-size:16px;font-weight:700;
  padding:16px 44px;border-radius:100px;box-shadow:0 8px 22px rgba(47,95,224,.26);
  transition:background .2s ease,transform .2s ease,box-shadow .2s ease}
.iwb-btn:hover{background:var(--iwb-accent-d);transform:translateY(-2px);box-shadow:0 12px 28px rgba(47,95,224,.32);color:#fff}
.iwb-btn.is-ghost{background:#fff;color:var(--iwb-accent);border:1.5px solid var(--iwb-line2);box-shadow:none}
.iwb-btn.is-ghost:hover{background:var(--iwb-soft);border-color:var(--iwb-accent)}
.iwb-btn.iwb-mini{margin-top:16px;font-size:14px;padding:11px 22px;box-shadow:none}
.iwb-btn.iwb-mini:hover{box-shadow:0 6px 16px rgba(47,95,224,.2)}
.iwb :focus-visible{outline:3px solid rgba(47,95,224,.45);outline-offset:3px}

/* ── guide ────────────────────────────── */
.iwb-guide{max-width:100%;margin:0 auto}
.iwb-rail{background:#fff;border:1px solid var(--iwb-line);border-radius:22px;padding:34px 36px 30px;box-shadow:0 10px 30px rgba(20,22,28,.05)}
.iwb-rail-h{font-size:clamp(20px,1.75vw,29px);font-weight:800;letter-spacing:-.9px;margin-bottom:6px}
.iwb-rail-h mark{background:linear-gradient(transparent 62%,#c9daff 62%);color:var(--iwb-accent);padding:0 3px}
.iwb-rail-s{font-size:15.5px;color:var(--iwb-muted)}
.iwb-track{display:flex;flex-wrap:wrap;gap:7px;align-items:center;margin-top:26px}
.iwb-node{display:inline-flex;align-items:center;gap:8px;padding:8px 15px 8px 9px;border-radius:100px;font-size:14px;font-weight:650;border:1px solid var(--iwb-line2);background:#fafbfd}
.iwb-node i{font-style:normal;width:21px;height:21px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:800;color:#fff;background:var(--iwb-faint)}
.iwb-node.is-you{background:var(--iwb-soft);border-color:#cfdcfa;color:#1e3f96}
.iwb-node.is-you i{background:var(--iwb-accent)}
.iwb-node.is-us{background:var(--iwb-slate-soft);border-color:#dde2ea;color:#3f4a5c}
.iwb-node.is-us i{background:var(--iwb-slate)}
.iwb-tick{color:var(--iwb-line2);font-size:12px;font-weight:800}
.iwb-legend{display:flex;flex-wrap:wrap;gap:18px;margin-top:24px;padding-top:20px;border-top:1px solid var(--iwb-line);font-size:13px;color:var(--iwb-muted)}
.iwb-legend span{display:inline-flex;align-items:center;gap:7px}
.iwb-legend i{width:9px;height:9px;border-radius:3px}
.iwb-legend .dy{background:var(--iwb-accent)}
.iwb-legend .du{background:var(--iwb-slate)}

.iwb-sect{display:flex;align-items:baseline;gap:12px;margin:56px 0 26px}
.iwb-bar{width:5px;height:20px;border-radius:3px;background:var(--iwb-accent);transform:translateY(3px)}
.iwb-sect h2{font-size:clamp(19px,1.5vw,25px);font-weight:800;letter-spacing:-.8px}
.iwb-of{margin-left:auto;color:var(--iwb-faint);font-weight:600;font-size:13px}

.iwb-steps{display:flex;flex-direction:column}
.iwb-step{display:grid;grid-template-columns:64px 1fr;gap:22px;position:relative;padding-bottom:18px}
.iwb-step::before{content:"";position:absolute;left:27px;top:62px;bottom:-2px;width:2px;background:linear-gradient(var(--iwb-line2),var(--iwb-line));border-radius:2px}
.iwb-step:last-child::before{display:none}
.iwb-num{width:56px;height:56px;border-radius:18px;display:flex;align-items:center;justify-content:center;
  font-size:20px;font-weight:800;color:#fff;position:relative;z-index:1;
  background:linear-gradient(158deg,#5b86ea,var(--iwb-accent-d));box-shadow:0 5px 16px rgba(47,95,224,.24),inset 0 1px 0 rgba(255,255,255,.28)}
.iwb-step.is-us .iwb-num{background:linear-gradient(158deg,#8b98ad,#4f5b6e);box-shadow:0 5px 16px rgba(79,91,110,.2),inset 0 1px 0 rgba(255,255,255,.24)}

.iwb-card{background:#fff;border:1px solid var(--iwb-line);border-radius:16px;padding:26px 30px;
  transition:box-shadow .28s ease,transform .28s ease,border-color .28s ease}
@media (hover:hover){.iwb-card:hover{box-shadow:0 18px 44px rgba(20,22,28,.08);transform:translateY(-2px);border-color:var(--iwb-line2)}}
.iwb-hd{display:flex;flex-wrap:wrap;align-items:center;gap:10px;margin-bottom:10px}
.iwb-hd h3{font-size:clamp(17px,1.35vw,22px);font-weight:800;letter-spacing:-.6px}
.iwb-who{padding:4px 11px;border-radius:100px;font-size:11.5px;font-weight:800;letter-spacing:.04em;background:var(--iwb-slate-soft);color:#3f4a5c}
.iwb-step.is-you .iwb-who{background:var(--iwb-soft);color:#1e3f96}
.iwb-card p{font-size:15.5px;color:var(--iwb-body);margin-bottom:7px}
.iwb-card p:last-child{margin-bottom:0}
.iwb-card b{font-weight:700;color:var(--iwb-ink)}
.iwb-card a{color:var(--iwb-accent);text-underline-offset:3px}
.iwb-warn{color:var(--iwb-warn);font-weight:650}

.iwb-sub{display:flex;align-items:center;gap:8px;margin:20px 0 10px;color:var(--iwb-accent)}
.iwb-sub span{font-size:13.5px;font-weight:750}
.iwb-sub::after{content:"";flex:1;height:1px;background:var(--iwb-line)}

.iwb-box{background:#f7f9fc;border:1px solid var(--iwb-line);border-radius:12px;padding:16px 20px;margin-top:12px}
.iwb-bt{display:block;font-size:11.5px;font-weight:800;letter-spacing:.1em;color:var(--iwb-accent);margin-bottom:8px;text-transform:uppercase}
.iwb-box p{font-size:14.5px;margin:0}
.iwb-box dl{display:grid;grid-template-columns:86px 1fr;gap:7px 14px;margin:0}
.iwb-box dt{font-weight:600;color:var(--iwb-faint);font-size:13px}
.iwb-box dd{color:var(--iwb-ink);font-weight:600;font-size:14px}
.iwb-box.is-warn{background:var(--iwb-warn-soft);border-color:var(--iwb-warn-line)}
.iwb-box.is-warn .iwb-bt{color:var(--iwb-warn)}

.iwb-emph{
  margin-top:14px!important;padding:13px 16px;
  background:#fff;border:1px solid #cfdcfa;border-left:4px solid var(--iwb-accent);
  border-radius:10px;color:#1e3f96!important;font-weight:600;line-height:1.7
}
.iwb-emph b{color:var(--iwb-accent)!important;font-weight:800}

.iwb-hint{background:var(--iwb-soft)!important;border:1px solid #cfdcfa;border-radius:12px;padding:13px 17px;margin:14px 0 4px!important;color:#1e3f96!important;font-weight:500}
.iwb-hint b{color:#1e3f96!important}

.iwb-checks{list-style:none;margin:10px 0 0;display:flex;flex-direction:column;gap:7px}
.iwb-checks li{display:flex;gap:10px;font-size:15.5px;color:var(--iwb-body)}
.iwb-checks li::before{content:"";flex:none;width:17px;height:17px;margin-top:5px;border-radius:6px;
  background:var(--iwb-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7' stroke='%232f5fe0' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/11px no-repeat}
.iwb-rec{display:inline-block;font-size:10.5px;font-weight:800;letter-spacing:.06em;background:var(--iwb-accent);color:#fff;padding:2px 8px;border-radius:100px;vertical-align:1px}

.iwb-pills{display:flex;flex-wrap:wrap;gap:7px;margin-top:12px}
.iwb-pill{font-size:12.5px;font-weight:650;padding:6px 12px;border-radius:8px;background:var(--iwb-soft);color:#1e3f96}
.iwb-pill.is-alt{background:var(--iwb-slate-soft);color:#3f4a5c}
.iwb-pill code{font-family:ui-monospace,Consolas,monospace;font-size:12px}

/* ── responsive ───────────────────────── */
@media (max-width:1100px){.iwb-hero-in{padding-left:32px;padding-right:32px}.iwb-in{padding:0 32px}}
@media (max-width:860px){
  .iwb-hero-in{padding:80px 22px}
  .iwb-in{padding:0 22px}
  .iwb-switch{width:100%;transform:translateY(-26px)}
  .iwb-nohero .iwb-switch{transform:none;margin-bottom:30px}
  .iwb-sw{flex:1;justify-content:center;padding:14px 4px;min-height:50px;font-size:13px;white-space:nowrap;gap:5px;min-width:0}
  .iwb-sw svg{width:15px;height:15px;flex:none}
  .iwb-switch{padding:5px}
  .iwb-ink{top:5px;left:5px;height:calc(100% - 10px)}
  .iwb-grid,.iwb-terms{grid-template-columns:1fr;gap:20px}
  .iwb-step{grid-template-columns:46px 1fr;gap:14px}
  .iwb-step::before{left:22px;top:52px}
  .iwb-num{width:46px;height:46px;border-radius:14px;font-size:17px}
  .iwb-card,.iwb-rail{padding:20px}
  .iwb-box dl{grid-template-columns:76px 1fr}
  .iwb-btn{width:100%;justify-content:center;padding:16px 20px}
  .iwb-btn.iwb-mini{width:auto}
}

.iwb-rule{background:#fff;border:1px solid var(--iwb-line);border-radius:20px;padding:32px 34px 28px;
  box-shadow:0 10px 30px rgba(20,22,28,.05);margin-bottom:20px;position:relative;overflow:hidden}
.iwb-rule::before{content:"";position:absolute;left:0;top:0;bottom:0;width:5px;background:var(--iwb-accent)}
.iwb-tag{display:inline-block;font-size:12px;font-weight:800;color:#fff;background:var(--iwb-accent);
  padding:5px 13px;border-radius:100px;letter-spacing:.03em;margin-bottom:16px}
.iwb-rule h2{font-size:clamp(20px,1.7vw,28px);font-weight:800;letter-spacing:-.9px;line-height:1.4;margin-bottom:6px}
.iwb-rule h2 mark{background:linear-gradient(transparent 60%,#c9daff 60%);color:var(--iwb-accent);padding:0 3px}
.iwb-rule > p{font-size:15.5px;color:var(--iwb-body);margin-top:10px}
.iwb-rule b{font-weight:700;color:var(--iwb-ink)}

/* 메뉴 → 폴더 */
.iwb-mf{display:grid;grid-template-columns:1fr auto 1fr;align-items:stretch;margin-top:24px}
.iwb-mfcap{font-size:13px;font-weight:700;color:var(--iwb-muted);margin-bottom:14px;letter-spacing:.02em}
.iwb-mfcap span{font-weight:400}
.iwb-mfmenu{background:#f4f7fc;border:1px solid var(--iwb-line2);border-radius:16px;padding:22px}
.iwb-mflegend{display:flex;flex-wrap:wrap;gap:14px;margin-top:16px;padding-top:14px;
  border-top:1px solid var(--iwb-line2);font-size:12px;color:var(--iwb-muted)}
.iwb-mflegend span{display:inline-flex;align-items:center;gap:6px}
.iwb-mflegend i{width:9px;height:9px;border-radius:3px;display:inline-block}

.iwb-mfarrow{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:8px;
  padding:0 22px;color:var(--iwb-accent)}
.iwb-mfarrow svg{width:44px;height:26px}
.iwb-mfarrow span{font-size:12px;font-weight:700;letter-spacing:.03em}

.iwb-folders{background:#fff;border:1px solid var(--iwb-line);border-radius:16px;padding:22px;
  box-shadow:0 10px 30px rgba(20,22,28,.05)}
.iwb-folist{display:flex;flex-direction:column;gap:9px}
.iwb-fo{display:flex;align-items:center;gap:11px;background:#f4f7fc;border:1px solid var(--iwb-line2);
  border-radius:11px;padding:11px 14px;overflow:hidden}
.iwb-fi{font-size:19px;line-height:1}
.iwb-fn{font-size:14.5px;font-weight:800;color:var(--iwb-ink)}
.iwb-mffoot{margin-top:16px;padding-top:14px;border-top:1px solid var(--iwb-line);
  font-size:12.5px;color:var(--iwb-muted);text-align:center}
.iwb-mffoot b{color:var(--iwb-accent)}

@media (prefers-reduced-motion:no-preference){
  .iwb-view.is-on .iwb-fo{opacity:0;transform:translateX(16px) scale(.97);
    animation:iwbFo .55s cubic-bezier(.2,.8,.3,1) forwards;animation-delay:var(--d)}
  .iwb-view.is-on .iwb-k{opacity:0;animation:iwbFd .4s ease forwards;animation-delay:calc(var(--d) + .35s)}
  @keyframes iwbFo{to{opacity:1;transform:none}}
  @keyframes iwbFd{from{opacity:0;transform:translateY(-4px)}to{opacity:.9;transform:none}}
}

/* 자료 형식 행 */
.iwb-rows{padding-top:6px;padding-bottom:6px}
@media (min-width:1000px){
  .iwb-rows{display:grid;grid-template-columns:1fr 1fr;gap:0 40px;padding-top:6px}
}
.iwb-row{display:flex;gap:16px;align-items:flex-start;padding:22px 0;border-bottom:1px solid var(--iwb-line)}
.iwb-row:last-child{border-bottom:none}
.iwb-ic{flex:none;width:38px;height:38px;border-radius:11px;display:flex;align-items:center;justify-content:center;
  font-size:19px;background:var(--iwb-soft);border:1px solid #cfdcfa}
.iwb-rtx{flex:1;min-width:0}
.iwb-rtx h3{font-size:clamp(16px,1.25vw,21px);font-weight:800;letter-spacing:-.5px;margin-bottom:6px}
.iwb-rtx p{font-size:15px;color:var(--iwb-body);margin-bottom:5px}
.iwb-rtx p:last-child{margin-bottom:0}

/* 저작권 안내 */
.iwb-imgnote{background:linear-gradient(180deg,var(--iwb-soft),#e4ecfb);border:1px solid #cfdcfa;
  border-radius:16px;padding:22px 24px;margin-top:20px}
.iwb-imgnote p{font-size:15.5px;color:var(--iwb-body);margin-bottom:10px}
.iwb-imgnote p:last-child{margin-bottom:0}
.iwb-imgnote b{font-weight:700;color:#1e3f96}
.iwb-rights{margin-top:14px;padding-top:14px;border-top:1px dashed #c2d2f2;
  font-size:13.5px;color:var(--iwb-warn);font-weight:600}
.iwb-rights b{color:var(--iwb-warn)}

/* 자료 불필요 페이지 */
.iwb-nomat{background:#fff;border:1px solid var(--iwb-line);border-radius:16px;padding:8px 24px;
  box-shadow:0 10px 30px rgba(20,22,28,.05)}
.iwb-nomat-head{font-size:15px;color:var(--iwb-muted);margin:16px 0 4px;padding:0 2px}
.iwb-nomat-head b{font-weight:700;color:var(--iwb-ink)}
.iwb-ngrp{display:flex;gap:14px;align-items:flex-start;padding:16px 0;border-bottom:1px solid var(--iwb-line)}
.iwb-ngrp:last-child{border-bottom:none}
.iwb-nlbl{flex:none;width:90px;font-size:14.5px;font-weight:800;padding-top:2px}
.iwb-ngrp.n1 .iwb-nlbl{color:var(--iwb-accent)}
.iwb-ngrp.n2 .iwb-nlbl{color:var(--iwb-slate)}
.iwb-ngrp.n3 .iwb-nlbl{color:#b8801f}
.iwb-nitems{flex:1;font-size:15px;color:var(--iwb-body);line-height:1.7}

@media (max-width:860px){
  .iwb-mf{grid-template-columns:1fr}
  .iwb-mfarrow{flex-direction:row;padding:16px 0;gap:10px}
  .iwb-mfarrow svg{transform:rotate(90deg);width:30px}
  .iwb-mfmenu{border-radius:16px 16px 0 0}
  .iwb-folders{border-radius:0 0 16px 16px}
    .iwb-rule{padding:22px 20px}
  .iwb-k{font-size:10.5px;padding:3px 8px}
  .iwb-nlbl{width:72px}
}


/* ── 자료준비안내 보강 ────────────────── */
.iwb-lead{font-size:15.5px;color:var(--iwb-body);margin-bottom:16px}
.iwb-lead b{font-weight:700;color:var(--iwb-ink)}

/* 4단계 흐름 */

/* 메뉴 입력 목업 */
.iwb-mkgrp,.iwb-mkrow{display:flex;align-items:center;gap:8px}
.iwb-mksubs{display:flex;flex-direction:column;gap:6px;padding-left:22px}
.iwb-hdl{color:#b6bdcb;font-size:13px;cursor:grab;line-height:1}
.iwb-mkin{flex:1;background:#fff;border:1px solid var(--iwb-line2);border-radius:9px;
  padding:9px 13px;font-size:13.5px;color:var(--iwb-body)}
.iwb-mkin.is-big{font-weight:800;color:var(--iwb-ink);background:#eef3fd;border-color:#cfdcfa;font-size:14px}
.iwb-mkadd{margin-top:4px;margin-left:22px;align-self:flex-start;font-size:12.5px;font-weight:700;
  color:var(--iwb-accent);background:#fff;border:1px dashed #c2d2f2;border-radius:8px;padding:7px 13px}

/* 폴더 뱃지 */
.iwb-k{margin-left:auto;font-size:11.5px;font-weight:700;padding:4px 10px;border-radius:100px;white-space:nowrap}
.iwb-k.is-need{background:var(--iwb-accent);color:#fff}
.iwb-k.is-auto{background:#e6e9ef;color:#5c6779}

/* 팁 바 */
.iwb-tip{margin-top:18px;background:#fffaf0;border:1px solid #f2e2c0;border-radius:12px;
  padding:14px 18px;font-size:14.5px;color:#7a5c14;line-height:1.7}
.iwb-tip b{font-weight:800;color:#5f4708}

/* 필요/불필요 2열 */
.iwb-need{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.iwb-ncol{border-radius:16px;padding:22px 24px;border:1px solid var(--iwb-line)}
.iwb-ncol.is-need{background:var(--iwb-soft);border-color:#cfdcfa}
.iwb-ncol.is-auto{background:#f4f6f9;border-color:#e0e5ec}
.iwb-nh{font-size:16px;font-weight:800;color:var(--iwb-ink);margin-bottom:14px}
.iwb-ncol.is-need .iwb-nh b{color:var(--iwb-accent)}
.iwb-ncol.is-auto .iwb-nh b{color:var(--iwb-slate)}
.iwb-ncol ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:7px}
.iwb-ncol li{font-size:14.5px;color:var(--iwb-body);padding-left:14px;position:relative}
.iwb-ncol li::before{content:"";position:absolute;left:0;top:10px;width:5px;height:5px;border-radius:50%;
  background:var(--iwb-accent)}
.iwb-ncol.is-auto li::before{background:#aab3c1}
.iwb-nfoot{margin-top:16px;padding-top:14px;border-top:1px dashed #c9d2e0;
  font-size:13.5px;color:var(--iwb-muted);line-height:1.7}
.iwb-nfoot b{font-weight:700;color:var(--iwb-ink)}

/* 경고 박스 */
.iwb-alarm{margin-top:20px;background:#fdf2f2;border:1px solid #f2caca;border-left:5px solid #d94a4a;
  border-radius:14px;padding:22px 24px}
.iwb-alarm-h{font-size:16px;font-weight:800;color:#b03434;margin-bottom:10px}
.iwb-alarm p{font-size:14.5px;color:#6b4747;line-height:1.75;margin-bottom:6px}
.iwb-alarm p:last-child{margin-bottom:0}
.iwb-alarm b{font-weight:800;color:#b03434}

@media (max-width:860px){
    .iwb-need{grid-template-columns:1fr}
  .iwb-ncol{padding:18px 20px}
  .iwb-alarm{padding:18px 20px}
}


/* ── 자료 준비 방법 (CS센터 안내 이식) ── */
.iwb-gd{background:#fff;border:1px solid var(--iwb-line);border-radius:22px;overflow:hidden;
  box-shadow:0 10px 30px rgba(20,22,28,.05)}
.iwb-gd-head{padding:30px 34px 0;background:linear-gradient(180deg,#f4f7fd,#fff)}
.iwb-gd-eyebrow{font-size:12px;font-weight:800;letter-spacing:.12em;color:var(--iwb-accent);
  text-transform:uppercase;margin-bottom:8px}
.iwb-gd-title{font-size:clamp(21px,1.8vw,30px);font-weight:800;letter-spacing:-1px;color:var(--iwb-ink)}
.iwb-gd-tabs{display:flex;flex-wrap:wrap;gap:6px;margin-top:22px;padding-bottom:22px}
.iwb-gd-tab{border:1px solid var(--iwb-line2);background:#fff;cursor:pointer;
  padding:12px 18px;border-radius:8px;
  font-size:14px;font-weight:700;color:var(--iwb-muted);display:inline-flex;align-items:center;gap:7px;
  transition:color .2s ease,background .2s ease,border-color .2s ease}
.iwb-gd-tab b{display:inline-flex;align-items:center;justify-content:center;width:20px;height:20px;
  border-radius:6px;background:#e3e8f1;color:#5c6779;font-size:11px;font-weight:800}
.iwb-gd-tab:hover{color:var(--iwb-ink);background:#f2f5fb;border-color:#c6d2e6}
.iwb-gd-tab.is-on{color:#fff;background:var(--iwb-accent);border-color:var(--iwb-accent);
  box-shadow:0 4px 12px rgba(47,95,224,.24)}
.iwb-gd-tab.is-on b{background:rgba(255,255,255,.25);color:#fff}

.iwb-gd-body{padding:30px 34px 10px;border-top:1px solid var(--iwb-line)}
.iwb-gd-panel{display:none}
.iwb-gd-panel.is-on{display:block;animation:iwbIn .35s ease both}
.iwb-gd-lead{font-size:16px;color:var(--iwb-body);line-height:1.8;margin-bottom:20px}
.iwb-gd-lead b{font-weight:700;color:var(--iwb-ink)}
.iwb-gh{font-size:18px;font-weight:800;color:var(--iwb-ink);letter-spacing:-.6px;margin:30px 0 12px}
.iwb-gnote{font-size:14.5px;color:var(--iwb-body);line-height:1.8;margin-bottom:14px}
.iwb-gnote b{font-weight:700;color:var(--iwb-ink)}
.iwb-gred{color:#c33!important}
.iwb-gsm{font-size:12px;color:var(--iwb-faint)}

/* 4단계 흐름 */
.iwb-gd-flow{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:18px}
.iwb-gs{display:flex;gap:13px;background:#f7f9fc;border:1px solid var(--iwb-line);
  border-radius:14px;padding:16px 18px;font-size:14.5px;color:var(--iwb-body);line-height:1.68}
.iwb-gn{flex:none;width:26px;height:26px;border-radius:50%;background:var(--iwb-accent);color:#fff;
  display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:800}
.iwb-gs b:first-child{display:block;font-size:15px;font-weight:800;color:var(--iwb-ink);margin-bottom:3px}
.iwb-gs b{font-weight:700;color:var(--iwb-ink)}

/* 목업 */
.iwb-mk2{display:grid;grid-template-columns:1fr auto 1fr;gap:18px;align-items:start;margin:8px 0 20px}
.iwb-mk2.two-up{grid-template-columns:1fr 1fr}
.iwb-mk2.center{display:flex;justify-content:center;margin:18px 0 24px}
.iwb-mkside{min-width:0}
.iwb-mkcap{font-size:12.5px;font-weight:700;color:var(--iwb-muted);margin-bottom:10px}
.iwb-mkbox{background:#f4f7fc;border:1px solid var(--iwb-line2);border-radius:14px;padding:16px;
  display:flex;flex-direction:column;gap:7px}
.iwb-mkbox.is-pv{background:#fff;gap:9px}
.iwb-mkgrp,.iwb-mkrow{display:flex;align-items:center;gap:8px}
.iwb-mksubs{display:flex;flex-direction:column;gap:6px;padding-left:22px}
.iwb-hdl{color:#b6bdcb;font-size:13px;line-height:1}
.iwb-mkin{flex:1;background:#fff;border:1px solid var(--iwb-line2);border-radius:9px;
  padding:9px 13px;font-size:13.5px;color:var(--iwb-body)}
.iwb-mkin.is-big{font-weight:800;color:var(--iwb-ink);background:#eef3fd;border-color:#cfdcfa;font-size:14px}
.iwb-mkadd{margin-left:22px;align-self:flex-start;font-size:12.5px;font-weight:700;
  color:var(--iwb-accent);background:#fff;border:1px dashed #c2d2f2;border-radius:8px;padding:7px 13px}
.iwb-mkarrow{align-self:center;font-size:22px;color:var(--iwb-accent);font-weight:700}

.iwb-fp{display:flex;align-items:center;gap:9px;background:#f4f7fc;border:1px solid var(--iwb-line2);
  border-radius:11px;padding:11px 14px;font-size:14px;color:var(--iwb-body)}
.iwb-fp b{font-weight:800;color:var(--iwb-ink)}
.iwb-k{margin-left:auto;font-size:11.5px;font-weight:700;padding:4px 10px;border-radius:100px;white-space:nowrap}
.iwb-k.is-need{background:var(--iwb-accent);color:#fff}
.iwb-k.is-auto{background:#e6e9ef;color:#5c6779}

.iwb-fpcard{background:#fff;border:1px solid var(--iwb-line2);border-radius:14px;overflow:hidden}
.iwb-fph{display:flex;align-items:center;gap:9px;padding:13px 16px;background:#f4f7fc;
  border-bottom:1px solid var(--iwb-line2);font-size:14px}
.iwb-fph b{font-weight:800;color:var(--iwb-ink)}
.iwb-fpb{padding:16px;display:flex;justify-content:center}
.iwb-fpb.is-none{font-size:13.5px;font-weight:700;color:var(--iwb-slate)}
.iwb-mkbtn{display:inline-block;font-size:13px;font-weight:700;color:var(--iwb-accent);background:#eef3fd;
  border:1px solid #cfdcfa;border-radius:9px;padding:9px 16px}
.iwb-mkbtn.sm{font-size:12px;padding:5px 10px;vertical-align:1px}
.iwb-mkbtn.is-main{font-size:15px;padding:13px 30px;background:var(--iwb-accent);color:#fff;border-color:var(--iwb-accent)}
.iwb-mkbtn.is-dark{flex:none;font-size:14px;padding:12px 22px;background:#22304a;color:#fff;border-color:#22304a}

/* 카드 */
.iwb-gcards{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:16px}
.iwb-gcards.two{grid-template-columns:1fr 1fr}
.iwb-gcard{background:#f7f9fc;border:1px solid var(--iwb-line);border-radius:14px;padding:18px 20px}
.iwb-gch{font-size:15px;font-weight:800;color:var(--iwb-ink);margin-bottom:8px}
.iwb-gcard p{font-size:14px;color:var(--iwb-body);line-height:1.72}
.iwb-gcard b{font-weight:700;color:var(--iwb-ink)}

/* 완료 배너 */
.iwb-done{display:flex;align-items:center;gap:20px;flex-wrap:wrap;justify-content:space-between;
  background:#eef3fd;border:1px solid #cfdcfa;border-radius:16px;padding:22px 24px;margin:18px 0}
.iwb-done-h{font-size:16px;font-weight:800;color:#1e3f96;margin-bottom:7px}
.iwb-done-p{font-size:13.5px;color:#4a5670;line-height:1.75}
.iwb-done-p b{font-weight:800;color:#1e3f96}

/* 하단 이전/다음 */
.iwb-gd-foot{display:flex;align-items:center;justify-content:space-between;gap:14px;
  padding:20px 34px;border-top:1px solid var(--iwb-line);background:#fafbfd}
.iwb-gd-nav{border:1px solid var(--iwb-line2);background:#fff;cursor:pointer;
  padding:11px 22px;border-radius:100px;font-size:14px;font-weight:700;color:var(--iwb-body);
  transition:background .2s ease,color .2s ease,border-color .2s ease}
.iwb-gd-nav:hover{background:#f2f5fb;border-color:var(--iwb-accent);color:var(--iwb-accent)}
.iwb-gd-nav.is-main{background:var(--iwb-accent);border-color:var(--iwb-accent);color:#fff}
.iwb-gd-nav.is-main:hover{background:var(--iwb-accent-d);color:#fff}
.iwb-gd-nav[disabled]{opacity:.4;cursor:default;pointer-events:none}
.iwb-gd-dots{display:flex;gap:7px}
.iwb-gd-dots i{width:8px;height:8px;border-radius:50%;background:#d3dbe8;display:block;
  transition:background .2s ease,width .2s ease}
.iwb-gd-dots i.is-on{background:var(--iwb-accent);width:22px;border-radius:100px}

.iwb-alarm.sm{margin-top:14px;padding:14px 18px;border-radius:12px}
.iwb-alarm.sm b{font-weight:800}
.iwb-tip.is-big{font-size:15.5px;padding:16px 20px}

@media (max-width:860px){
  .iwb-gd-head{padding:22px 18px 0}
  .iwb-gd-body{padding:22px 18px 6px}
  .iwb-gd-foot{padding:16px 18px}
  .iwb-gd-tabs{gap:4px}
  .iwb-gd-tab{padding:9px 12px;font-size:12.5px;border-radius:10px 10px 0 0}
  .iwb-gd-flow{grid-template-columns:1fr}
  .iwb-mk2,.iwb-mk2.two-up{grid-template-columns:1fr}
  .iwb-mkarrow{transform:rotate(90deg);justify-self:center}
  .iwb-gcards,.iwb-gcards.two{grid-template-columns:1fr}
  .iwb-done{flex-direction:column;align-items:stretch}
  .iwb-mkbtn.is-dark{text-align:center}
}

/* ── 자료준비안내: 시작 전 안내 ───────── */
.iwb-gd-pre{
  background:linear-gradient(135deg,#2f5fe0,#1f47b0);border-radius:20px;
  padding:28px 32px;margin-bottom:18px;color:#dbe6fb;position:relative;overflow:hidden;
  box-shadow:0 12px 32px rgba(47,95,224,.22)
}
.iwb-gd-pre::after{content:"";position:absolute;right:-60px;top:-70px;width:240px;height:240px;
  background:radial-gradient(circle,rgba(255,255,255,.16),transparent 70%)}
.iwb-pre-h{font-size:clamp(18px,1.5vw,24px);font-weight:800;color:#fff;letter-spacing:-.8px;
  margin-bottom:10px;position:relative;display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.iwb-pre-n{font-size:12px;font-weight:800;letter-spacing:.08em;background:rgba(255,255,255,.22);
  color:#fff;padding:5px 12px;border-radius:100px}
.iwb-pre-p{font-size:15px;line-height:1.75;position:relative;margin-bottom:18px}
.iwb-pre-p b{color:#fff;font-weight:700}
.iwb-pre-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;position:relative}
.iwb-pre-s{display:flex;align-items:center;gap:10px;background:rgba(255,255,255,.12);
  border:1px solid rgba(255,255,255,.2);border-radius:12px;padding:13px 16px;
  font-size:14px;color:#eaf1ff;line-height:1.6}
.iwb-pre-s span{flex:none;width:23px;height:23px;border-radius:50%;background:#fff;color:var(--iwb-accent);
  display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:800}
.iwb-pre-s b{color:#fff;font-weight:800}
.iwb-gd-pre .iwb-btn{position:relative;background:#fff;color:var(--iwb-accent);box-shadow:none;margin-top:18px}
.iwb-gd-pre .iwb-btn:hover{background:#eaf1ff;color:var(--iwb-accent-d);box-shadow:0 8px 20px rgba(0,0,0,.14)}

@media (max-width:860px){
  .iwb-gd-pre{padding:22px 20px;border-radius:16px}
  .iwb-pre-steps{grid-template-columns:1fr}
}

/* ── 접수 완료 안내 ───────────────────── */
.iwb-done-wrap{margin-bottom:36px}
.iwb-done-wrap .iwb-alert{margin-bottom:18px}
.iwb-next{border:1px solid var(--iwb-line);border-radius:16px;background:#fbfcfe;padding:26px 28px}
.iwb-next-h{font-size:16px;font-weight:800;color:var(--iwb-ink);margin-bottom:18px;letter-spacing:-.02em}
.iwb-next-s{display:flex;gap:14px;align-items:flex-start;padding:14px 0;border-top:1px dashed var(--iwb-line)}
.iwb-next-s:first-of-type{border-top:0;padding-top:0}
.iwb-next-n{flex:none;width:26px;height:26px;border-radius:50%;background:var(--iwb-accent);color:#fff;font-size:13px;font-weight:800;display:flex;align-items:center;justify-content:center;margin-top:1px}
.iwb-next-s div{font-size:14.5px;line-height:1.75;color:var(--iwb-faint)}
.iwb-next-s div b{display:block;color:var(--iwb-ink);font-weight:700;margin-bottom:3px}
.iwb-next-s div b:not(:first-child){display:inline;color:inherit;font-weight:700;margin:0}
.iwb-next-btns{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px}
.iwb-next-tip{margin-top:16px;font-size:13.5px;color:var(--iwb-faint)}
@media (max-width:640px){.iwb-next{padding:20px 18px}}
.iwb-next-btns .iwb-btn.iwb-mini{margin-top:0}

/* ── 접수 완료 팝업 ───────────────────── */
.iwb-modal{position:fixed;inset:0;z-index:99999;display:none;align-items:center;justify-content:center;padding:20px;
  background:rgba(15,23,42,.55);opacity:0;transition:opacity .2s ease}
.iwb-modal.is-on{display:flex;opacity:1}
.iwb-modal-box{background:#fff;border-radius:20px;padding:38px 34px 30px;max-width:400px;width:100%;text-align:center;
  box-shadow:0 24px 60px rgba(15,23,42,.28);transform:translateY(10px);transition:transform .22s ease}
.iwb-modal.is-on .iwb-modal-box{transform:none}
.iwb-modal-ic{width:58px;height:58px;margin:0 auto 18px;border-radius:50%;background:#eaf6ee;color:#1e6b3c;
  display:flex;align-items:center;justify-content:center}
.iwb-modal-ic svg{width:30px;height:30px}
.iwb-modal-t{font-size:19px;font-weight:800;color:var(--iwb-ink);letter-spacing:-.02em;margin-bottom:8px}
.iwb-modal-p{font-size:15px;color:var(--iwb-faint);line-height:1.7;margin-bottom:22px}
.iwb-modal .iwb-btn.iwb-mini{margin-top:0;min-width:120px;justify-content:center}

.iwb-modal[hidden],.iwb-done-wrap[hidden],.iwb-alert[hidden]{display:none!important}