/* -------------------- 변수 선언 (22자 이상 클래스명) -------------------- */
    :root {
      --graphite-charcoal-shadow: #1e1e2f;
      --pearl-silk-mist-white: #f9fafc;
      --lapis-lazuli-deep-blue: #1e3c72;
      --verdigris-patina-teal: #2a9d8f;
      --marigold-sunset-amber: #e9c46a;
      --rose-quartz-blush-pink: #f4a261;
      --onyx-midnight-obsidian: #121212;
      --cloud-soft-feather-gray: #eef2f6;
      --crimson-alert-coral-red: #e63946;
      --royal-indigo-mystic: #3a0ca3;
      --celadon-mint-fresh: #ccf5e3;
      --border-soft-pebble: rgba(0, 0, 0, 0.05);
      --card-shadow-floating: 0 12px 28px rgba(0, 0, 0, 0.08), 0 4px 12px rgba(0, 0, 0, 0.02);
    }

    * {
      margin: 0;
      padding: 0;
      box-sizing: border-box;
    }

    body {
      background: var(--pearl-silk-mist-white);
      font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, sans-serif;
      color: var(--graphite-charcoal-shadow);
      line-height: 1.5;
      -webkit-font-smoothing: antialiased;
    }

    /* 접근성 스킵 링크 */
    .skip-navigation-accessibility {
      position: absolute;
      top: -40px;
      left: 0;
      background: var(--royal-indigo-mystic);
      color: white;
      padding: 8px 16px;
      z-index: 9999;
      text-decoration: none;
      border-radius: 0 0 8px 0;
    }
    .skip-navigation-accessibility:focus {
      top: 0;
    }

    /* 교육 배너 */
    .scholarly-education-banner-premium {
      background: linear-gradient(105deg, #0b1e33 0%, #143650 100%);
      color: #e2f0fa;
      padding: 12px 20px;
      text-align: center;
      font-size: 0.95rem;
      font-weight: 500;
      letter-spacing: -0.2px;
      border-bottom: 1px solid #2c4c6e;
      display: flex;
      align-items: center;
      justify-content: center;
      flex-wrap: wrap;
      gap: 12px;
    }
    .badge-cost-free-premium {
      background: #1dd1a1;
      color: #0a1c2a;
      padding: 4px 12px;
      border-radius: 40px;
      font-weight: 700;
      font-size: 0.8rem;
      text-transform: uppercase;
      border: 1px solid #9ef0da;
    }

    .container-master-premium-layout {
      max-width: 1200px;
      margin: 0 auto;
      padding: 0 20px;
    }

    /* 헤더 */
    .header-professional-branding {
      padding: 28px 0 12px;
      border-bottom: 1px solid var(--border-soft-pebble);
    }
    .brand-prestige-identity-block {
      display: flex;
      flex-direction: column;
    }
    .brand-name-premium-large {
      font-size: 2.2rem;
      font-weight: 700;
      letter-spacing: -0.03em;
      background: linear-gradient(145deg, var(--lapis-lazuli-deep-blue), #163a5f);
      -webkit-background-clip: text;
      background-clip: text;
      color: transparent;
    }
    .brand-subtitle-premium {
      color: #4b587c;
      font-weight: 400;
      margin-top: 4px;
      font-size: 1rem;
    }
    .pill-community-band {
      background: #eef6ff;
      color: #1e3c72;
      padding: 6px 16px;
      border-radius: 30px;
      font-weight: 600;
      font-size: 0.8rem;
      display: inline-block;
      margin-top: 12px;
      border: 1px solid #bdd3f0;
    }

    /* 히어로 카드 */
    .hero-premium-card-illuminate {
      background: linear-gradient(112deg, #ffffff 0%, #f5faff 100%);
      border-radius: 32px;
      padding: 36px 24px;
      margin: 32px 0 28px;
      box-shadow: var(--card-shadow-floating);
      border: 1px solid #e7edf8;
      text-align: center;
    }
    .icon-market-analysis-large {
      font-size: 3.5rem;
      margin-bottom: 16px;
    }
    .title-risk-management-2026 {
      font-size: 2.3rem;
      font-weight: 800;
      line-height: 1.3;
      background: linear-gradient(130deg, #0b2d4e, #1f4e6f);
      -webkit-background-clip: text;
      background-clip: text;
      color: transparent;
      margin-bottom: 12px;
    }
    .meta-operations-premium {
      color: #2f4b70;
      font-weight: 500;
      margin-bottom: 16px;
    }
    .desc-educational-purpose {
      font-size: 1.1rem;
      color: #1f3a4e;
      max-width: 700px;
      margin: 0 auto;
    }
    .value-badge-collection-premium {
      margin-top: 24px;
      display: flex;
      gap: 12px;
      justify-content: center;
      flex-wrap: wrap;
    }
    .badge-free-education {
      background: #d2f0e6;
      color: #0b4635;
      padding: 8px 18px;
      border-radius: 40px;
      font-weight: 700;
      border: 1px solid #43c6a1;
    }
    .badge-educational-only {
      background: #d6e6ff;
      color: #153e7e;
      padding: 8px 18px;
      border-radius: 40px;
      font-weight: 700;
      border: 1px solid #6499ff;
    }
    .badge-no-advice-warning {
      background: #fde6d2;
      color: #964b00;
      padding: 8px 18px;
      border-radius: 40px;
      font-weight: 700;
      border: 1px solid #f3a361;
    }

    /* 커리큘럼 섹션 */
    .curriculum-structured-premium {
      margin: 48px 0;
    }
    .heading-curriculum-systematic {
      font-size: 1.9rem;
      font-weight: 700;
      color: #11212e;
      margin-bottom: 8px;
    }
    .subheading-curriculum-support {
      color: #4b6584;
      margin-bottom: 28px;
    }
    .image-learning-curriculum-wrapper {
      border-radius: 24px;
      overflow: hidden;
      box-shadow: var(--card-shadow-floating);
      margin: 28px 0;
      border: 1px solid #cfdfee;
    }
    .learning-image {
      width: 100%;
      height: auto;
      display: block;
    }
    .highlight-premium-grid-four {
      display: grid;
      grid-template-columns: repeat(4,1fr);
      gap: 16px;
      margin: 32px 0;
    }
    .highlight-item-card {
      background: white;
      border-radius: 20px;
      padding: 20px 12px;
      text-align: center;
      box-shadow: 0 4px 8px rgba(0,0,0,0.02);
      border: 1px solid #eaf0f8;
    }
    .highlight-number-large {
      font-size: 2rem;
      font-weight: 800;
      color: #1e5f7a;
    }
    .highlight-text-premium {
      font-weight: 600;
      color: #172c3c;
    }

    /* 가입 안내 카드 */
    .reminder-premium-join-card {
      background: #f6fbfe;
      border-radius: 28px;
      padding: 28px 22px;
      margin: 30px 0;
      border: 2px solid #aac9e4;
    }
    .keyword-briefing-premium {
      background: #0f2e44;
      color: white;
      padding: 8px 28px;
      border-radius: 60px;
      font-weight: 700;
      font-size: 1.5rem;
      display: inline-block;
      margin: 16px 0 10px;
      letter-spacing: 2px;
    }
    .disclaimer-important-box {
      background: #fef8e7;
      border-radius: 18px;
      padding: 18px;
      border-left: 0px solid #c07c2c;
      margin-top: 20px;
    }

    /* 기능 그리드 */
    .feature-grid-premium-responsive {
      display: grid;
      grid-template-columns: repeat(4,1fr);
      gap: 20px;
      margin: 30px 0;
    }
    .card-feature-premium {
      background: white;
      border-radius: 24px;
      padding: 24px 16px;
      box-shadow: 0 6px 18px rgba(0,0,0,0.03);
      border: 1px solid #deecf5;
    }
    .icon-feature-large {
      font-size: 2.5rem;
      margin-bottom: 16px;
    }

    /* 토글/모달 영역 (면책, 개인정보, 위험고지) */
    .legal-disclosure-premium-section {
      background: #eef3fa;
      border-radius: 28px;
      padding: 24px;
      margin: 48px 0 20px;
    }
    .accordion-legal-item {
      background: white;
      border-radius: 18px;
      margin-bottom: 12px;
      border: 1px solid #cdddec;
    }
    .accordion-summary-premium {
      padding: 20px 24px;
      font-weight: 700;
      font-size: 1.1rem;
      cursor: pointer;
      display: flex;
      justify-content: space-between;
      align-items: center;
      color: #0b2c44;
    }
    .accordion-details-premium {
      padding: 0 24px 24px 24px;
      color: #1f3a4e;
      font-size: 0.95rem;
      line-height: 1.7;
    }
    .accordion-details-premium p {
      margin-bottom: 12px;
    }

    /* 하단 고정 */
    .fixed-bottom-cta-premium {
      position: sticky;
      bottom: 0;
      background: rgba(255,255,255,0.92);
      backdrop-filter: blur(12px);
      padding: 16px 0 20px;
      border-top: 1px solid #cbdae6;
      box-shadow: 0 -4px 12px rgba(0,0,0,0.02);
      display: flex;
      flex-direction: column;
      align-items: center;
    }
    .btn-join-premium-massive {
      background: linear-gradient(145deg, #0c3858, #052137);
      color: white;
      border: none;
      border-radius: 80px;
      padding: 18px 38px;
      font-size: 1.3rem;
      font-weight: 700;
      width: 92%;
      max-width: 520px;
      box-shadow: 0 16px 30px -8px rgba(2,30,55,0.3);
      cursor: pointer;
      transition: 0.2s;
      border: 1px solid #5f9bc2;
    }

    /* 반응형 */
    @media (max-width: 768px) {
      .highlight-premium-grid-four,
      .feature-grid-premium-responsive {
        grid-template-columns: repeat(2,1fr);
      }
      .title-risk-management-2026 {
        font-size: 1.8rem;
      }
    }
    @media (max-width: 480px) {
      .highlight-premium-grid-four,
      .feature-grid-premium-responsive {
        grid-template-columns: 1fr;
      }
    }

    details summary { list-style: none; }
    details summary::-webkit-details-marker { display: none; }
    .accordion-summary-premium::after {
      content: "▼";
      font-size: 1rem;
      transition: 0.2s;
      color: #2c6280;
    }
    details[open] .accordion-summary-premium::after {
      content: "▲";
    }

    .footer-premium-links {
      display: flex;
      justify-content: center;
      gap: 24px;
      flex-wrap: wrap;
      margin: 24px 0;
    }