:root{--navy:#13234a;--navy-deep:#0b1935;--gold:#b89455;--gold-pale:#f3ead6;--ink:#20283a;--muted:#5e6470;--paper:#fffdf8;--canvas:#f7f3eb;--line:#ded7c9;--sky:#eaf1f7;--green:#2f6f50;--rose:#a85a6a;--shadow:0 16px 42px rgba(19,35,74,.10);--serif:"Yu Mincho","Hiragino Mincho ProN","Noto Serif JP",serif;--sans:-apple-system,BlinkMacSystemFont,"Hiragino Sans","Noto Sans JP",sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;overflow-x:clip}body{margin:0;background:var(--canvas);color:var(--ink);font-family:var(--sans);line-height:1.9;letter-spacing:.015em;overflow-x:clip}a{color:inherit}a:focus-visible{outline:3px solid var(--gold);outline-offset:4px;border-radius:4px}.skip{position:fixed;top:-70px;left:12px;z-index:80;background:var(--navy);color:#fff;padding:10px 16px;border-radius:8px;text-decoration:none}.skip:focus{top:12px}.site-header{position:sticky;top:0;z-index:40;background:rgba(255,253,248,.94);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}.nav{width:min(1060px,calc(100% - 36px));min-height:68px;margin:auto;display:flex;align-items:center;gap:20px}.brand{text-decoration:none;color:var(--navy);display:flex;align-items:baseline;gap:9px}.brand strong{font-family:Georgia,var(--serif);font-size:24px;letter-spacing:-.04em}.brand span{font-size:10px;color:var(--gold);font-weight:900;letter-spacing:.14em}.nav-links{margin-left:auto;display:flex;align-items:center;gap:18px}.nav-links a{font-size:13px;font-weight:800;text-decoration:none;color:var(--muted)}.nav-links .nav-cta{background:var(--navy);color:#fff;padding:9px 16px;border-radius:999px}.hero{position:relative;isolation:isolate;overflow:hidden;background:linear-gradient(145deg,#fffdf8 0%,#f6efe2 55%,#eaf1f7 100%);border-bottom:1px solid var(--line)}.hero:before{content:"";position:absolute;z-index:-1;right:-160px;top:-210px;width:520px;aspect-ratio:1;border:1px solid rgba(184,148,85,.25);border-radius:50%;box-shadow:0 0 0 55px rgba(184,148,85,.06),0 0 0 110px rgba(19,35,74,.03)}.hero-inner{width:min(960px,calc(100% - 36px));margin:auto;padding:clamp(56px,9vw,98px) 0 clamp(46px,8vw,78px)}.eyebrow{margin:0 0 15px;color:var(--gold);font-size:11px;font-weight:900;letter-spacing:.16em;text-transform:uppercase}.hero h1{max-width:820px;margin:0;color:var(--navy);font-family:var(--serif);font-size:clamp(34px,6.5vw,58px);line-height:1.32;letter-spacing:.025em}.hero h1 em{font-style:normal;color:var(--gold)}.hero-lead{max-width:720px;margin:22px 0 0;color:var(--muted);font-size:clamp(15px,2vw,18px);line-height:2}.hero-actions,.cta-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}.button{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:13px 22px;border-radius:999px;font-weight:900;text-decoration:none}.button.primary{background:var(--navy);color:#fff;box-shadow:0 9px 22px rgba(19,35,74,.18)}.button.secondary{border:1px solid rgba(19,35,74,.45);background:rgba(255,255,255,.58);color:var(--navy)}.fine{margin:12px 0 0;color:var(--muted);font-size:12px}.container{width:min(960px,calc(100% - 36px));margin:auto}.section{padding:clamp(48px,8vw,82px) 0}.section+.section{border-top:1px solid var(--line)}.section-label{margin:0 0 9px;color:var(--gold);font-size:11px;font-weight:900;letter-spacing:.14em;text-transform:uppercase}.section h2,.article h2{margin:0;color:var(--navy);font-family:var(--serif);font-size:clamp(25px,4.5vw,38px);line-height:1.45}.section-lead{max-width:720px;margin:15px 0 0;color:var(--muted)}.guide-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:17px;margin-top:28px}.guide-card{display:flex;flex-direction:column;min-height:275px;padding:24px;border:1px solid var(--line);border-radius:18px;background:var(--paper);box-shadow:0 7px 22px rgba(19,35,74,.06)}.guide-card .tag{color:var(--gold);font-size:10px;font-weight:900;letter-spacing:.13em}.guide-card h2,.guide-card h3{margin:11px 0 10px;color:var(--navy);font-family:var(--serif);font-size:22px;line-height:1.45}.guide-card p{margin:0 0 18px;color:var(--muted);font-size:14px}.guide-card a{margin-top:auto;color:var(--navy);font-weight:900;text-decoration:none}.guide-card a:hover{text-decoration:underline;text-underline-offset:4px}.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:25px}.trust{padding:20px;border-left:4px solid var(--gold);background:var(--paper)}.trust strong{display:block;color:var(--navy);margin-bottom:6px}.trust span{color:var(--muted);font-size:13px}.article-wrap{width:min(820px,calc(100% - 36px));margin:auto}.breadcrumbs{padding:18px 0 0;color:var(--muted);font-size:12px}.breadcrumbs a{text-decoration:none}.article{padding:38px 0 70px}.article .answer{margin:0 0 30px;padding:21px 23px;border-left:5px solid var(--gold);background:var(--paper);color:var(--navy);font-weight:800}.article h2{margin-top:48px;font-size:clamp(24px,4vw,34px)}.article h3{margin:30px 0 8px;color:var(--navy);font-size:19px}.article p{color:#3f4654}.article ul,.article ol{padding-left:1.35em}.article li+li{margin-top:8px}.steps{counter-reset:step;display:grid;gap:13px;margin:24px 0}.step{position:relative;padding:20px 20px 20px 58px;border:1px solid var(--line);border-radius:14px;background:var(--paper)}.step:before{counter-increment:step;content:counter(step);position:absolute;left:18px;top:18px;width:28px;height:28px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-size:12px;font-weight:900}.step strong{display:block;color:var(--navy);margin-bottom:4px}.checklist{padding:22px 24px;border:1px solid var(--line);border-radius:16px;background:#fbf6e9}.checklist h3{margin-top:0}.note-box{margin:28px 0;padding:18px 21px;border-left:4px solid var(--green);background:#eef6f1}.author{display:grid;grid-template-columns:58px 1fr;gap:15px;align-items:center;margin-top:46px;padding:20px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.author-mark{width:58px;height:58px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:var(--gold-pale);font-family:Georgia,var(--serif);font-size:28px;font-weight:700}.author strong{color:var(--navy)}.author p{margin:3px 0 0;color:var(--muted);font-size:13px}.related{padding:42px 0;border-top:1px solid var(--line)}.related h2{font-size:25px}.related-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:18px}.related-list a{padding:17px;border:1px solid var(--line);border-radius:12px;background:var(--paper);color:var(--navy);font-weight:800;text-decoration:none}.cta-panel{margin:0 0 70px;padding:clamp(28px,5vw,44px);border-radius:20px;background:linear-gradient(145deg,var(--navy),var(--navy-deep));color:#fff;box-shadow:var(--shadow)}.cta-panel h2{margin:0;color:#fff;font-family:var(--serif);font-size:clamp(25px,4vw,36px)}.cta-panel p{max-width:650px;margin:12px 0 0;color:#e6e9f1}.cta-panel .button.primary{background:var(--gold);color:var(--navy-deep)}.cta-panel .button.secondary{border-color:rgba(255,255,255,.58);color:#fff;background:rgba(255,255,255,.08)}.footer{padding:30px 18px 44px;background:var(--navy-deep);color:#dfe4ed;text-align:center;font-size:12px}.footer a{color:var(--gold-pale)}
@media(max-width:720px){.nav-links a:not(.nav-cta){display:none}.guide-grid,.trust-grid,.related-list{grid-template-columns:1fr}.hero-actions,.cta-actions{display:grid}.button{width:100%}.article{padding-top:28px}.guide-card{min-height:0}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}