:root {
    --tf-navy: #1a237e;
    --tf-navy-light: #283593;
    --tf-orange: #ff6f00;
    --tf-orange-light: #ff9800;
    --tf-bg: #f0f2fa;
    --tf-text: #1a1a2e;
    --tf-muted: #5c6b8a;
    --tf-card: #ffffff;
    --tf-shadow: 0 4px 20px rgba(26, 35, 126, 0.1);
}

* { box-sizing: border-box; }

body {
    margin: 0;
    font-family: 'Noto Sans KR', -apple-system, BlinkMacSystemFont, sans-serif;
    background: var(--tf-bg);
    color: var(--tf-text);
    font-size: 1.0625rem;
    line-height: 1.75;
}

.tf-nav {
    background: linear-gradient(135deg, var(--tf-navy) 0%, var(--tf-navy-light) 100%);
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.15);
}

.tf-nav .navbar-brand img { height: 36px; width: auto; display: block; }
.tf-nav .nav-link {
    color: rgba(255, 255, 255, 0.9) !important;
    font-weight: 500;
    padding: 0.5rem 1rem !important;
    border-radius: 6px;
}
.tf-nav .nav-link:hover, .tf-nav .nav-link.active {
    background: rgba(255, 111, 0, 0.25);
    color: #fff !important;
}

.tf-hero {
    background: linear-gradient(160deg, var(--tf-navy) 0%, #0d1440 55%, var(--tf-navy-light) 100%);
    color: #fff;
    padding: 3.5rem 0 3rem;
}

.tf-hero h1 { font-weight: 800; font-size: clamp(1.75rem, 4vw, 2.4rem); }

.tf-num-chip {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: #fff;
    color: var(--tf-navy);
    font-weight: 700;
    margin: 4px;
    box-shadow: 0 2px 8px rgba(0,0,0,0.15);
}

.tf-num-chip.bonus {
    background: var(--tf-orange);
    color: #fff;
    position: relative;
}

.tf-num-chip.bonus::before {
    content: '+';
    position: absolute;
    left: -14px;
    font-size: 1.1rem;
    color: var(--tf-orange-light);
    font-weight: 800;
}

.tf-content {
    background: var(--tf-card);
    border-radius: 16px;
    padding: 2.5rem;
    margin: -2rem auto 2rem;
    box-shadow: var(--tf-shadow);
    max-width: 900px;
}

.tf-content h2 {
    color: var(--tf-navy);
    font-weight: 700;
    font-size: 1.5rem;
    margin-top: 2rem;
    padding-bottom: 0.5rem;
    border-bottom: 2px solid rgba(26, 35, 126, 0.12);
}

.tf-content h2:first-of-type { margin-top: 0; }
.tf-content h3 { color: var(--tf-navy-light); font-weight: 600; font-size: 1.15rem; margin-top: 1.5rem; }

.tf-table { width: 100%; border-collapse: collapse; margin: 1rem 0; font-size: 0.95rem; }
.tf-table th, .tf-table td { border: 1px solid rgba(26,35,126,0.12); padding: 0.75rem 1rem; text-align: left; }
.tf-table th { background: var(--tf-navy); color: #fff; }

.tf-callout {
    background: rgba(255, 111, 0, 0.08);
    border-left: 4px solid var(--tf-orange);
    padding: 1rem 1.25rem;
    border-radius: 0 8px 8px 0;
    margin: 1.25rem 0;
}

.tf-callout a { color: var(--tf-navy); font-weight: 600; }

.tf-steps { counter-reset: step; list-style: none; padding: 0; }
.tf-steps li {
    counter-increment: step;
    padding: 0.75rem 0 0.75rem 3rem;
    position: relative;
    border-bottom: 1px solid rgba(26,35,126,0.08);
}
.tf-steps li::before {
    content: counter(step);
    position: absolute;
    left: 0;
    width: 2rem;
    height: 2rem;
    background: var(--tf-orange);
    color: #fff;
    border-radius: 50%;
    text-align: center;
    line-height: 2rem;
    font-weight: 700;
    font-size: 0.9rem;
}

.tf-toc { background: var(--tf-bg); border-left: 4px solid var(--tf-orange); padding: 1rem 1.25rem; border-radius: 0 8px 8px 0; margin-bottom: 1.5rem; }
.tf-toc a { color: var(--tf-navy); }

.tf-faq details { border: 1px solid rgba(26,35,126,0.1); border-radius: 8px; margin-bottom: 0.75rem; padding: 0.75rem 1rem; }
.tf-faq summary { font-weight: 600; color: var(--tf-navy); cursor: pointer; }

.tf-card-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 1.25rem; margin: 1.5rem 0; }
.tf-info-card { background: var(--tf-bg); border: 1px solid rgba(26,35,126,0.1); border-radius: 12px; padding: 1.25rem; }
.tf-info-card a { color: var(--tf-navy); font-weight: 600; text-decoration: none; }
.tf-info-card a:hover { text-decoration: underline; }

.tf-meta-line { font-size: 0.85rem; color: var(--tf-muted); margin-bottom: 1.25rem; padding-bottom: 1rem; border-bottom: 1px solid rgba(26,35,126,0.1); }

.tf-footer { background: #0d1440; color: rgba(255,255,255,0.85); padding: 2.5rem 0; margin-top: 3rem; font-size: 0.9rem; }
.tf-footer a { color: var(--tf-orange-light); text-decoration: none; }
.tf-footer-links { list-style: none; padding: 0; margin: 0 0 1.5rem; display: flex; flex-wrap: wrap; justify-content: center; gap: 0.5rem 1.5rem; }

@media (max-width: 768px) {
    .tf-content { padding: 1.5rem; margin-top: -1.5rem; }
}