:root{--ink:#1c2328;--muted:#63707a;--line:#e1e6e9;--line-strong:#c4ced4;--paper:#fafafa;--tint:#f2f6f7;--tint-strong:#e6eef0;--deep:#1d3138;--on-deep-muted:#bfd0d5;--accent:#c4513f;--accent-hover:#a3402f;--accent-soft:#f3b3a5;--link:#1d6a80;--link-hover:#124c5d;--warn:#fff3e3;--warn-line:#efd2aa;--radius:14px;--hero-glow:radial-gradient(900px 420px at 90% -20%,rgba(243,179,165,.20),transparent 60%),radial-gradient(700px 400px at 0% 120%,rgba(60,150,170,.22),transparent 60%)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:-apple-system,BlinkMacSystemFont,"Segoe UI","Noto Sans JP","Hiragino Kaku Gothic ProN",Meiryo,sans-serif;line-height:1.85;overflow-x:hidden;-webkit-text-size-adjust:100%}
a{color:var(--link);text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1px}a:hover{color:var(--link-hover)}
.wrap{width:min(1080px,calc(100% - 40px));margin:auto}
.notice-bar{background:var(--deep);color:var(--on-deep-muted);font-size:12px;text-align:center;padding:6px 16px;letter-spacing:.02em}
.site-header{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
.header-inner{min-height:64px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.logo{color:var(--ink);text-decoration:none;font-weight:800;letter-spacing:.01em;font-size:17px;white-space:nowrap}.logo span{color:var(--accent)}
nav{display:flex;gap:22px;font-size:14px}nav a{color:var(--muted);text-decoration:none}nav a:hover,nav a[aria-current]{color:var(--ink)}
.hero{background:var(--deep);color:#fff;padding:72px 0 108px;position:relative;overflow:hidden}
.hero:before{content:"";position:absolute;inset:0;background:var(--hero-glow);pointer-events:none}
.hero .wrap{position:relative;z-index:1;display:grid;grid-template-columns:1.25fr .75fr;gap:40px;align-items:center}
.hero-art{width:100%;max-width:360px;justify-self:end;aspect-ratio:1;border-radius:24px;object-fit:cover;opacity:.95}
.eyebrow,.section-head>p{font-size:12px;letter-spacing:.18em;font-weight:800;color:var(--accent-soft);margin:0 0 10px}
.hero h1{font-size:clamp(34px,5.4vw,58px);line-height:1.22;letter-spacing:-.03em;margin:0 0 20px}
.hero h1 em{color:var(--accent-soft);font-style:normal}
.hero-copy{max-width:640px;color:var(--on-deep-muted);font-size:17px;margin:0 0 28px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}
.hero-actions a{padding:12px 18px;border-radius:8px;background:#fff;color:var(--deep);font-weight:700;text-decoration:none}
.hero-actions a+a{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.35)}
.lift{margin-top:-60px;position:relative;z-index:2}
.panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px;box-shadow:0 18px 50px rgba(20,20,40,.08)}
.section-head{margin-bottom:22px}.section-head h2{font-size:clamp(25px,3.3vw,36px);line-height:1.3;margin:0 0 8px;letter-spacing:-.02em}.section-head>span{color:var(--muted)}
.home-section{padding:70px 0}.home-section.tint{background:var(--tint)}
.home-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.home-grid.two{grid-template-columns:repeat(2,1fr)}
.home-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;display:flex;flex-direction:column}
.home-card>span{font-size:12px;font-weight:800;color:var(--accent);letter-spacing:.06em}
.home-card h3{font-size:18px;line-height:1.5;margin:6px 0 8px}.home-card h3 a{color:var(--ink);text-decoration:none}.home-card h3 a:hover{color:var(--link)}
.home-card p{font-size:14px;color:var(--muted);margin:0}
.policy{background:var(--tint-strong);padding:60px 0}.policy>.wrap{display:grid;grid-template-columns:1fr 2fr;gap:60px}.policy h2{font-size:30px;margin:0}
.policy ul{margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:20px;list-style:none}.policy li{border-top:2px solid var(--line-strong);padding-top:12px}.policy li b,.policy li span{display:block}.policy li span{font-size:14px;color:var(--muted);margin-top:5px}
/* 計算ツール */
.calc h2{margin:0 0 6px;font-size:24px;border:0;padding:0}.calc>p{margin:0 0 18px;color:var(--muted);font-size:14px}
.calc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.calc label{display:flex;flex-direction:column;gap:6px;font-size:13px;font-weight:700;color:var(--ink)}
.calc input,.calc select{font:inherit;font-weight:400;font-size:16px;padding:10px 12px;border:1px solid var(--line-strong);border-radius:8px;background:#fff;color:var(--ink);width:100%}
.calc input:focus,.calc select:focus{outline:2px solid var(--accent);outline-offset:1px}
.calc-out{margin-top:20px;display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:12px;overflow:hidden}
.calc-out>div{background:var(--tint);padding:16px 18px}.calc-out span{display:block;font-size:12px;color:var(--muted)}.calc-out b{font-size:26px;letter-spacing:-.02em;color:var(--deep)}.calc-out small{font-size:13px;font-weight:700;margin-left:2px}
.calc-note{font-size:12px;color:var(--muted);margin:12px 0 0}
.calc-table td.num,.calc-table th.num{text-align:right;font-variant-numeric:tabular-nums}
/* 記事 */
.article{width:min(820px,calc(100% - 40px));margin:0 auto;padding:34px 0 78px}
.meta-row{display:flex;justify-content:space-between;gap:20px;align-items:center}
.breadcrumbs{font-size:12px;color:var(--muted);display:flex;gap:8px;flex-wrap:wrap}.breadcrumbs a{color:var(--muted)}
.ad-label{font-size:10px;color:var(--muted);white-space:nowrap;border:1px solid var(--line);border-radius:99px;padding:1px 8px}
.article h1{font-size:clamp(28px,4vw,40px);line-height:1.38;letter-spacing:-.02em;margin:16px 0 3px}
.updated{color:var(--muted);font-size:12px;margin:0 0 22px}
.direct-answer{background:var(--deep);color:#fff;border-radius:var(--radius) var(--radius) 0 0;padding:22px 26px;margin:22px 0 0}
.direct-answer>span{display:block;color:var(--accent-soft);font-size:12px;font-weight:800;letter-spacing:.12em;margin-bottom:6px}.direct-answer p{margin:0;font-size:17px}
.key-points{list-style:none;padding:16px 22px;margin:0 0 30px;border:1px solid var(--line);border-top:0;border-radius:0 0 var(--radius) var(--radius);background:#fff}
.key-points li{position:relative;padding-left:24px;margin:6px 0}.key-points li:before{content:"✓";position:absolute;left:0;color:var(--accent);font-weight:900}
.toc{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 22px;margin:0 0 30px;font-size:14px}.toc b{font-size:13px;color:var(--muted)}.toc ol{margin:6px 0 0;padding-left:22px}.toc a{color:var(--ink);text-decoration:none}.toc a:hover{color:var(--link);text-decoration:underline}
.article section{margin:46px 0}.article section[id],.article h2[id]{scroll-margin-top:80px}
.article h2{font-size:26px;line-height:1.45;margin:0 0 16px;padding-bottom:10px;border-bottom:2px solid var(--line)}
.article h3{font-size:19px;line-height:1.5;margin:26px 0 7px}.article p{margin:10px 0}.article a{font-weight:650}
.table-scroll{width:100%;overflow-x:auto;margin:18px 0;-webkit-overflow-scrolling:touch}.table-scroll.wide table{min-width:760px}
table{width:100%;border-collapse:separate;border-spacing:0;background:#fff;border:1px solid var(--line);border-radius:10px;overflow:hidden;font-size:14px}
th,td{padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top;text-align:left;min-width:96px}
thead th{background:var(--tint-strong);color:var(--ink);font-size:13px}tbody th{background:var(--tint)}tr:last-child th,tr:last-child td{border-bottom:0}
td.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.caption{font-size:12px;color:var(--muted)}
.callout,.warning,.checklist{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 22px;margin:22px 0}
.callout{background:var(--tint)}.warning{background:var(--warn);border-color:var(--warn-line)}.checklist{border-left:4px solid var(--accent)}
.callout>b,.warning>b{display:block;margin-bottom:4px}
.math{padding:18px;text-align:center;background:var(--tint);border-radius:10px;font-size:17px;margin:18px 0}
.numbered{counter-reset:num;list-style:none;padding:0}.numbered>li{counter-increment:num;position:relative;padding:0 0 20px 50px;border-left:1px solid var(--line);margin-left:17px}
.numbered>li:before{content:counter(num);position:absolute;left:-18px;top:0;width:35px;height:35px;border-radius:50%;background:var(--deep);color:#fff;display:grid;place-items:center;font-weight:800}.numbered p{color:var(--muted);margin-top:3px}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:14px}.two-col>div{background:#fff;border:1px solid var(--line);border-radius:10px;padding:18px}.two-col h3{margin-top:0}
.svc{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px 22px;margin:16px 0}
.svc h3{margin:0 0 6px}.svc dl{display:grid;grid-template-columns:8em 1fr;gap:4px 12px;margin:10px 0;font-size:14px}.svc dt{color:var(--muted)}.svc dd{margin:0}
.cta{margin:14px 0 0}
a.go{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;font-weight:700;padding:11px 18px;border-radius:8px;font-size:15px}a.go:hover{background:var(--accent-hover);color:#fff}
a.go:after{content:" ↗";font-weight:400}
.service-lines{border-top:1px solid var(--line)}.service-lines p{padding:14px 0;border-bottom:1px solid var(--line);margin:0}
.tracking-pixel{position:absolute;width:1px;height:1px;overflow:hidden}
.faq-list details,.sources{background:#fff;border:1px solid var(--line);border-radius:10px;margin:9px 0}
.faq-list summary,.sources summary{cursor:pointer;padding:14px 18px;font-weight:700}.faq-list details p,.sources>div{padding:0 18px 16px;margin:0}
.sources{margin-top:46px}.sources summary{font-size:14px}.sources>div{font-size:12px;color:var(--muted)}.sources a{font-weight:500}
.related{border-top:3px solid var(--deep);margin-top:50px;padding-top:20px}.related h2{font-size:20px;border:0;margin:0}.related ul{padding-left:20px}
.ok,.no,.maybe{font-size:12px;font-weight:800;padding:2px 8px;border-radius:99px;white-space:nowrap}.ok{background:#e1f4eb;color:#176346}.maybe{background:#fff0cf;color:#825718}.no{background:#f8e4e1;color:#8d3c38}
footer{background:var(--deep);color:var(--on-deep-muted);padding:44px 0;font-size:13px}
.footer-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:50px}.footer-grid strong{font-size:17px;color:#fff}.footer-grid a{display:inline-block;color:#fff;margin-right:16px}.footer-grid p{color:var(--on-deep-muted)}
@media(max-width:760px){.wrap,.article{width:min(100% - 32px,820px)}
.header-inner{align-items:flex-start;flex-direction:column;padding:11px 0;gap:4px;min-height:0}nav{width:100%;gap:18px;overflow-x:auto;white-space:nowrap;padding-bottom:4px}
.site-header{position:static}
.hero{padding:48px 0 88px}.hero .wrap{grid-template-columns:1fr}.hero-art{display:none}.hero h1{font-size:34px}.hero-copy{font-size:15px}
.panel{padding:20px}.calc-grid,.calc-out{grid-template-columns:1fr}
.home-grid,.home-grid.two,.two-col,.policy>.wrap,.footer-grid{grid-template-columns:1fr}.home-section{padding:50px 0}
.policy>.wrap{gap:24px}.policy ul{grid-template-columns:1fr}
.article{padding-top:22px}.article h1{font-size:28px}.meta-row{align-items:flex-start}.direct-answer{padding:18px}.key-points{padding:14px}.article h2{font-size:22px}
.svc dl{grid-template-columns:6.5em 1fr}th,td{font-size:13px;padding:10px}.ad-label{font-size:9px}}