:root{--ink:#192331;--muted:#5b6775;--line:#dbe1e7;--paper:#f5f7f9;--brand:#173a63;--accent:#d6a04b;--wash:#eff5f8;--white:#fff;--radius:20px;--shadow:0 20px 54px rgba(25,35,49,.12)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:linear-gradient(180deg,var(--wash),#fff 32rem);font-family:"Yu Gothic UI","Hiragino Kaku Gothic ProN",Meiryo,sans-serif;line-height:1.75}a{color:var(--brand)}.wrap{width:min(1120px,calc(100% - 36px));margin:auto}header{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.94);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}.nav{display:flex;align-items:center;justify-content:space-between;min-height:70px;gap:18px}.logo{font-weight:900;text-decoration:none;color:var(--ink)}nav{display:flex;gap:20px;flex-wrap:wrap}nav a{text-decoration:none;font-weight:750;color:var(--muted)}.hero{padding:72px 0 46px}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:36px;align-items:center}.eyebrow{display:inline-flex;background:var(--accent);color:#17202a;padding:6px 12px;border-radius:999px;font-weight:900;font-size:.78rem}.hero h1{font-size:clamp(2.2rem,6vw,4.7rem);line-height:1.08;margin:.6rem 0 1rem;letter-spacing:-.04em}.lead{font-size:1.08rem;color:var(--muted)}.hero-visual{min-height:360px;border-radius:32px;background:linear-gradient(145deg,var(--brand),#142435);color:#fff;padding:28px;box-shadow:var(--shadow);display:grid;gap:14px}.metric{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);border-radius:17px;padding:16px}.metric b{display:block;font-size:1.6rem}.metric small{color:#dfe8ef}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}.primary,.secondary,button{display:inline-flex;align-items:center;justify-content:center;border-radius:13px;padding:13px 18px;font-weight:900;text-decoration:none;cursor:pointer}.primary,button{background:var(--brand);color:#fff;border:1px solid var(--brand)}.secondary{border:1px solid var(--line);background:#fff;color:var(--ink)}section{padding:48px 0}.section-title{max-width:760px;margin-bottom:22px}.section-title h2{font-size:clamp(1.7rem,4vw,2.7rem);line-height:1.2;margin:.4rem 0}.calculator{display:grid;grid-template-columns:1fr 1fr;gap:22px}.form-card,.result-panel,.lead-box,.article-card,.source-box,.policy,.article{border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:0 12px 34px rgba(25,35,49,.07)}.form-card{padding:24px}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.field{display:grid;gap:6px;font-weight:800}.field span{font-size:.8rem;color:var(--muted)}input,select{width:100%;border:1px solid var(--line);border-radius:11px;padding:12px;font:inherit;background:#fff}.result-panel{padding:26px;background:linear-gradient(145deg,var(--brand),#15283a);color:#fff}.result-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.result{padding:15px;border:1px solid rgba(255,255,255,.2);border-radius:15px;background:rgba(255,255,255,.09)}.result span,.result small{display:block;color:#dce7ec;font-size:.78rem}.result strong{display:block;font-size:1.55rem;margin:.25rem 0}.verdict{margin-top:16px;padding-top:16px;border-top:1px solid rgba(255,255,255,.24)}.verdict strong{font-size:1.25rem}.lead-box{padding:28px;display:grid;grid-template-columns:1fr 1fr;gap:24px;background:var(--wash)}.lead-form{display:grid;gap:12px}.consent{display:flex;gap:9px;align-items:flex-start;font-size:.86rem}.consent input{width:auto;margin-top:6px}.form-status{min-height:1.5em;margin:0;color:var(--muted)}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.article-card{padding:20px;text-decoration:none;color:var(--ink)}.article-card:hover{transform:translateY(-2px);box-shadow:var(--shadow)}.article-card small{color:var(--brand);font-weight:900}.article-card h3{margin:.35rem 0}.source-box,.policy{padding:26px}.source-box{background:#fbfcfd}.source-box li{margin:.5rem 0}.disclosure{border-top:1px solid var(--line);padding-top:26px}.article-layout{width:min(1060px,calc(100% - 36px));margin:48px auto;display:grid;grid-template-columns:1fr 270px;gap:24px}.article{padding:34px}.article h1{font-size:clamp(2rem,5vw,3.4rem);line-height:1.15}.article h2{margin-top:2rem}.article aside{}.side{position:sticky;top:94px;align-self:start;border:1px solid var(--line);border-radius:18px;padding:18px;background:#fff}.side a{display:block;padding:8px 0}.table-wrap{overflow:auto}.table-wrap table{border-collapse:collapse;width:100%;min-width:620px}.table-wrap th,.table-wrap td{border:1px solid var(--line);padding:12px;text-align:left}.table-wrap th{background:var(--wash)}.calc-example{background:var(--wash);border-left:5px solid var(--accent);padding:16px 18px;border-radius:10px}.check-list li{margin:.55rem 0}.footer{padding:38px 0;border-top:1px solid var(--line);margin-top:50px;color:var(--muted)}.footer .wrap{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}.warning{padding:14px;border-radius:12px;background:#fff8df;border:1px solid #ead69c;font-size:.9rem}.formula{display:inline-block;background:var(--wash);padding:5px 9px;border-radius:8px;font-weight:900}@media(max-width:820px){.hero-grid,.calculator,.lead-box,.article-layout{grid-template-columns:1fr}.cards{grid-template-columns:1fr 1fr}.field-grid{grid-template-columns:1fr}.side{position:static}}@media(max-width:560px){.cards,.result-grid{grid-template-columns:1fr}.hero{padding-top:42px}.hero-visual{min-height:280px}.nav nav{display:none}}

:root{--brand:#1f3a2d;--accent:#d1a545;--wash:#f2f6ed}

/* affiliate-offer */
.affiliate-offer{margin:28px 0;padding:20px;border:1px solid #d7dde7;border-radius:16px;background:#fff;text-align:center}.affiliate-offer p{margin:8px 0 14px;font-weight:700}.affiliate-label{display:inline-block;padding:2px 8px;border-radius:999px;background:#eef2f7;color:#53606f;font-size:12px}.affiliate-code{display:flex;justify-content:center;align-items:center;margin:10px 0}.affiliate-code img{max-width:100%;height:auto}.affiliate-code a{font-weight:700}.affiliate-offer small{display:block;color:#667085}