@font-face{font-family:Noto;src:url('/font.woff2') format('woff2');font-weight:100 900;font-display:swap}
:root{--ink:#192b43;--accent:#235c98;--light:#eaf2fa;--paper:#fff;--soft:#f5f7fa;--muted:#536477;--line:#d4dce5;--highlight:#ffe8a3}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:28px}body{margin:0;color:var(--ink);background:var(--paper);font:16px/1.95 Noto,'Hiragino Kaku Gothic ProN',sans-serif;padding-bottom:84px}a{color:var(--accent);text-underline-offset:4px}button,input,select{font:inherit}button,a,select,input{touch-action:manipulation}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--accent);outline-offset:4px}button{cursor:pointer}h1,h2,h3,p{margin:0}h1{font-size:clamp(32px,3.8vw,52px);line-height:1.55;letter-spacing:-.045em;font-weight:800}h2{font-size:clamp(25px,2.6vw,34px);line-height:1.6;letter-spacing:-.03em;margin:12px 0 24px}h3{font-size:20px;line-height:1.65;margin:0 0 12px}p+p{margin-top:20px}strong{font-weight:750}mark{background:linear-gradient(transparent 55%,var(--highlight) 55%);color:inherit;padding:0 2px}small,.fine{font-size:12px;line-height:1.8;color:var(--muted)}.skip{position:absolute;top:-60px;background:var(--ink);color:#fff;padding:10px}.skip:focus{top:0;z-index:9}.site-header{max-width:1120px;margin:auto;min-height:90px;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid var(--line);gap:20px}.wordmark{display:flex;align-items:center;gap:10px;color:var(--ink);font-weight:800;letter-spacing:.05em;font-size:21px;text-decoration:none}.brand-mark{display:grid;place-items:center;width:36px;height:36px;background:var(--accent);color:#fff;font-size:25px}.header-note{font-size:12px;letter-spacing:.03em;color:var(--muted)}.hero{max-width:1120px;margin:auto;padding:30px 0 64px}.meta{font-size:12px;color:var(--muted);display:flex;gap:18px;align-items:center;margin-bottom:24px}.pr{padding:1px 7px;border:1px solid var(--line);color:var(--ink)}.kicker{display:block;color:var(--accent);font-size:13px;font-weight:700;letter-spacing:.07em;margin:0 0 16px}.hero-grid{display:grid;grid-template-columns:1.25fr 1fr;gap:64px;align-items:center}.lead{max-width:580px;font-size:16px;margin-top:24px}.jump{display:inline-flex;align-items:center;gap:24px;background:var(--accent);color:#fff;padding:14px 22px;min-height:52px;text-decoration:none;font-size:15px;font-weight:700;margin-top:24px}.jump:hover,.issued-ad a:hover{filter:brightness(1.1)}.sheet{background:var(--soft);padding:28px;border:1px solid var(--line);box-shadow:9px 9px 0 var(--light)}.sheet-label{font-size:11px;letter-spacing:.14em;font-weight:700;border-bottom:1px solid var(--line);padding-bottom:14px;margin-bottom:16px}.sheet dl{margin:0}.sheet dt{font-size:12px;color:var(--muted);margin-top:16px}.sheet dd{margin:4px 0 0;font-size:19px;line-height:1.7;font-weight:650}.sheet .arrow{display:block;color:var(--accent);font-size:24px;margin:10px 0}.quick-nav{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--soft)}.quick-nav>div{max-width:960px;margin:auto;display:grid;grid-template-columns:repeat(3,1fr)}.quick-nav a{padding:20px 24px;text-decoration:none;font-size:14px;font-weight:700;border-right:1px solid var(--line);display:flex;gap:12px;align-items:center}.quick-nav a:last-child{border-right:0}.quick-nav b{font-size:12px;color:var(--muted)}.article{max-width:760px;margin:0 auto;padding:64px 0}.article+.article{border-top:1px solid var(--line)}.section-no{font-size:12px;font-weight:750;color:var(--accent);letter-spacing:.12em}.intro-callout{font-size:20px;line-height:1.9;border-left:3px solid var(--accent);padding:6px 0 6px 22px;margin-bottom:28px}.note{background:var(--soft);padding:20px 24px;margin:24px 0;font-size:14px}.source{font-size:12px;color:var(--muted);margin-top:16px}.source a{margin-right:12px}.comparison{width:100%;border-collapse:collapse;margin:28px 0;font-size:15px}.comparison th{font-size:13px;text-align:left;background:var(--light);padding:14px 18px;border-bottom:2px solid var(--accent)}.comparison td{padding:18px;vertical-align:top;border-bottom:1px solid var(--line)}.comparison td:first-child{width:34%;font-weight:650}.comparison td p{margin:0}.pill-list{display:flex;gap:8px;flex-wrap:wrap;margin:16px 0 24px}.pill-list span{font-size:13px;background:var(--light);padding:5px 12px}.tool{border:1px solid var(--line);margin:28px 0;background:var(--paper)}.tool-title{background:var(--ink);color:white;padding:14px 20px;font-size:14px;font-weight:700}.tabs{display:flex;border-bottom:1px solid var(--line)}.tabs button{flex:1;background:var(--soft);border:0;border-right:1px solid var(--line);padding:13px 8px;font-size:13px;color:var(--ink);font-weight:650}.tabs button[aria-selected=true]{background:var(--paper);box-shadow:inset 0 -3px var(--accent);color:var(--accent)}.tab-content{padding:24px}.tab-content[hidden]{display:none}.example-label{font-size:12px;color:var(--muted);margin-bottom:5px}.example{font-size:17px;font-weight:650;margin-bottom:18px}.quote-example{padding:17px 20px;background:var(--light);line-height:1.85;margin:12px 0;font-size:15px}.numbered{list-style:none;padding:0;counter-reset:step}.numbered li{counter-increment:step;position:relative;padding:6px 0 25px 46px}.numbered li:before{content:counter(step,decimal-leading-zero);position:absolute;left:0;top:8px;color:var(--accent);font-weight:700;font-size:16px}.numbered p{font-size:15px}.numbered h3{font-size:18px;margin-bottom:5px}.offer-section{background:var(--light);padding:64px 24px}.offer-inner{max-width:760px;margin:auto}.offer-eyebrow{font-size:12px;font-weight:700;letter-spacing:.06em}.offer-name{font-size:30px;margin:12px 0 18px;line-height:1.55}.service-facts{display:grid;grid-template-columns:repeat(3,1fr);background:var(--paper);margin:26px 0;border:1px solid var(--line)}.service-facts div{padding:16px;border-right:1px solid var(--line)}.service-facts div:last-child{border:0}.service-facts small{display:block;margin-bottom:4px}.service-facts strong{font-size:15px}.issued-ad{margin:24px 0 12px}.issued-ad>a{display:flex;width:100%;justify-content:center;align-items:center;text-align:center;min-height:60px;padding:14px 24px;background:var(--accent);color:#fff;font-weight:750;text-decoration:none}.issued-ad>img{width:1px;height:1px;position:absolute}.offer-section .fine{font-size:13px}.faq details{padding:20px 0;border-bottom:1px solid var(--line)}summary{cursor:pointer;font-weight:650;line-height:1.7}.faq details p{margin-top:14px;font-size:15px}.site-footer{max-width:960px;margin:0 auto;padding:44px 0;color:var(--muted);font-size:13px}.site-footer>.wordmark{margin-bottom:20px}.site-footer>p{max-width:720px}.site-footer details{margin-top:18px}.site-footer details p{margin-top:12px}.site-footer>.fine{margin-top:24px}.bottom-guide{position:fixed;bottom:0;left:0;right:0;display:flex;justify-content:center;align-items:center;gap:28px;background:var(--paper);border-top:1px solid var(--line);padding:11px 20px;z-index:4;box-shadow:0 -4px 20px #00000008}.bottom-guide>span{font-size:12px;color:var(--muted)}.bottom-guide a{background:var(--accent);color:#fff;padding:9px 24px;min-height:44px;text-decoration:none;font-size:14px;font-weight:700}.bottom-guide a span{margin-left:18px}.debt{--ink:#342e29;--accent:#875039;--light:#f4eae1;--soft:#f8f5f1;--line:#ded4c9;--muted:#6f6259;--highlight:#efd6ad}.debt .brand-mark{font-size:18px}.debt .sheet{box-shadow:none;border-top:4px solid var(--accent);background:#fff}.debt .hero{background:var(--soft);max-width:none;padding-left:max(24px,calc((100vw - 1120px)/2));padding-right:max(24px,calc((100vw - 1120px)/2))}.receipt-row{display:flex;justify-content:space-between;gap:18px;font-size:14px;border-bottom:1px dashed var(--line);padding:14px 0}.receipt-row b{white-space:nowrap}.receipt-foot{font-size:12px;margin-top:18px;color:var(--muted)}.fortune{--ink:#432c35;--accent:#884653;--light:#f3e7e7;--soft:#faf6f2;--line:#e2d5d5;--muted:#765f67;--highlight:#f1dbb6;background:var(--soft)}.fortune .brand-mark{background:none;color:var(--accent);border:1px solid var(--accent);border-radius:50%;font-size:19px}.fortune h1{font-family:'Hiragino Mincho ProN','Yu Mincho',Noto,serif;font-weight:600;letter-spacing:.01em}.fortune .hero{padding-top:26px}.fortune .sheet{background:#fff;box-shadow:none;border-radius:4px;border-top:3px solid var(--accent)}.fortune .quick-nav{background:#fff}.fortune .article{max-width:720px}.fortune .tool{background:#fff}.fortune .tab-content{background:#fff}.fortune .site-footer{border-top:1px solid var(--line)}.calculator{padding:22px}.calc-inputs{display:grid;grid-template-columns:1fr 1fr;gap:16px}.calculator label{font-size:13px;display:block}.calculator input,.calculator select{width:100%;height:48px;border:1px solid var(--line);background:#fff;color:var(--ink);padding:6px 12px;margin-top:6px;border-radius:0}.calc-result{margin-top:20px;padding:18px;background:var(--light);font-size:15px}.calc-result output{font-size:25px;font-weight:750;margin:0 6px}.read-key{padding:16px 0;border-bottom:1px solid var(--line)}.read-key small{display:block;color:var(--accent);font-weight:650}.read-key p{font-size:15px;margin-top:5px}
@media(max-width:1199px){.site-header,.hero,.site-footer{margin-left:28px;margin-right:28px}.debt .hero{margin:0}.hero-grid{gap:36px}.article{width:calc(100% - 56px)}}
@media(max-width:699px){body{font-size:16px;line-height:1.95}.site-header{min-height:72px;margin:0 20px}.wordmark{font-size:19px}.brand-mark{width:31px;height:31px;font-size:22px}.header-note{display:none}.hero{margin:0;padding:23px 22px 40px}.hero-grid{display:block}.hero h1{font-size:33px;line-height:1.55;letter-spacing:-.045em}.hero .lead{font-size:15px;line-height:1.9;margin-top:20px}.meta{margin-bottom:20px;font-size:11px}.kicker{font-size:12px;margin-bottom:12px}.sheet{margin-top:30px;padding:22px}.sheet dd{font-size:18px}.jump{font-size:14px;margin-top:22px;padding:12px 18px;gap:16px}.quick-nav a{padding:15px 9px;font-size:12px;line-height:1.65;display:block;text-align:center}.quick-nav b{display:block;margin-bottom:3px}.article,.fortune .article{width:auto;margin:0 22px;padding:42px 0}h2{font-size:25px;margin:10px 0 20px}h3{font-size:19px}.intro-callout{font-size:18px;padding-left:17px}.comparison{font-size:14px}.comparison th,.comparison td{padding:13px 10px}.comparison td:first-child{width:34%}.note{padding:18px;font-size:13px}.tool{margin:23px 0}.tab-content{padding:20px 17px}.tabs button{font-size:12px;line-height:1.65;padding:13px 6px}.example{font-size:16px}.quote-example{padding:15px;font-size:14px}.offer-section{padding:40px 22px}.offer-name{font-size:27px}.service-facts{grid-template-columns:1fr}.service-facts div{border-right:0;border-bottom:1px solid var(--line);padding:12px 16px;display:flex;justify-content:space-between;gap:14px}.service-facts small{margin:0;flex-shrink:0}.service-facts strong{font-size:14px;text-align:right}.issued-ad>a{font-size:15px;padding:14px 16px}.site-footer{margin:0;padding:34px 22px}.bottom-guide{gap:10px;justify-content:space-between;padding:10px 14px}.bottom-guide>span{font-size:10px;max-width:120px;line-height:1.6}.bottom-guide a{font-size:13px;padding:10px 14px}.bottom-guide a span{margin-left:12px}.fortune .hero h1{font-size:34px;letter-spacing:0}.debt .hero{padding:23px 22px 40px}.debt .hero h1{font-size:32px}.calculator{padding:18px}.calc-inputs{gap:12px}.calc-result{font-size:13px;padding:14px}.calc-result output{font-size:23px}.numbered li{padding-left:39px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
