:root{--green:#3f7d5c;--green-dark:#2c5c43;--green-soft:#e8f2ec;--cream:#fbf8f1;--sand:#f3ecdd;--ink:#2b2f2c;--muted:#5f6862;--accent:#d9822b;--line:#d9d4c7;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;font-family:"Zen Maru Gothic","Hiragino Maru Gothic ProN","Hiragino Kaku Gothic ProN","Meiryo",sans-serif;color:var(--ink);background:var(--cream);line-height:1.9;font-size:17px}a{color:var(--green-dark)}a:focus-visible{outline:3px solid var(--accent);outline-offset:5px}.wrap{max-width:960px;margin:0 auto;padding:0 20px}.skip-link{position:fixed;top:8px;left:12px;z-index:20;padding:8px 16px;background:white;transform:translateY(-180%)}.skip-link:focus{transform:translateY(0)}
header.site{background:var(--white);border-bottom:3px solid var(--green);position:sticky;top:0;z-index:10}.site-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:12px 20px;max-width:960px;margin:0 auto;flex-wrap:wrap}.logo{display:flex;align-items:center;gap:10px;font-weight:700;font-size:1.25rem;color:var(--green-dark);text-decoration:none}.logo-mark{width:38px;height:38px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center;font-size:1.3rem}nav ul{list-style:none;margin:0;padding:0;display:flex;gap:6px 18px;flex-wrap:wrap;font-size:.95rem}nav a{text-decoration:none;color:var(--ink);padding:4px 2px;border-bottom:2px solid transparent}nav a:hover{border-color:var(--accent)}
.hero{background:linear-gradient(180deg,var(--green-soft) 0%,var(--cream) 100%);padding:56px 0 48px;position:relative;overflow:hidden}.hero::after{content:"";position:absolute;right:-80px;top:-60px;width:320px;height:320px;border-radius:50%;background:radial-gradient(circle,rgba(217,130,43,.15),transparent 70%);pointer-events:none}.eyebrow{display:inline-block;background:var(--white);border:1px solid var(--green);color:var(--green-dark);border-radius:999px;padding:2px 16px;font-size:.9rem;font-weight:700}.hero h1{font-size:clamp(1.7rem,4.6vw,2.5rem);line-height:1.5;margin:18px 0 14px;color:var(--green-dark)}.hero p.lead{max-width:640px;margin:0 0 24px}.actions{display:flex;flex-wrap:wrap;gap:12px}.btn{display:inline-block;background:var(--green);color:#fff;text-decoration:none;font-weight:700;padding:12px 28px;border-radius:999px;box-shadow:0 3px 0 var(--green-dark);transition:background .2s,transform .2s}.btn:hover{background:var(--green-dark);transform:translateY(-2px)}.btn.ghost{background:var(--white);color:var(--green-dark);border:2px solid var(--green);box-shadow:none}.btn.ghost:hover{background:var(--green-soft)}
section{padding:56px 0}section.alt{background:var(--sand)}h2{font-size:1.6rem;color:var(--green-dark);margin:0 0 8px;display:flex;align-items:center;gap:12px;line-height:1.7}h2::before{content:"";width:8px;flex-shrink:0;height:1.6rem;background:var(--accent);border-radius:4px}.sub{color:var(--muted);margin:0 0 28px}.card{background:var(--white);border:1px solid var(--line);border-radius:16px;padding:24px 26px;min-width:0}.grid{display:grid;gap:18px}.grid.c3{grid-template-columns:repeat(3,minmax(0,1fr))}.policy{border-left:6px solid var(--green)}.policy p{margin:0}.num{width:44px;height:44px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center;font-weight:700;font-size:1.2rem;margin-bottom:10px}.card h3{margin:0 0 8px;font-size:1.15rem;color:var(--green-dark)}.card p{margin:0;font-size:.98rem}
.rate-box{display:grid;gap:22px;grid-template-columns:minmax(220px,300px) 1fr;align-items:stretch}.rate-big{background:var(--green);color:#fff;border-radius:18px;padding:28px 22px;text-align:center;display:flex;flex-direction:column;justify-content:center}.rate-big .label{font-size:.95rem}.rate-big .value{font-size:3.4rem;font-weight:700;line-height:1.2}.rate-big .value small{font-size:1.4rem}.rate-big .value.pending{font-size:1.8rem}.rate-big .period{font-size:.9rem}.bars{display:grid;gap:12px}.bar-row{display:grid;grid-template-columns:104px 1fr 64px;gap:10px;align-items:center;font-size:.95rem}.bar-track{height:18px;background:var(--green-soft);border-radius:999px;overflow:hidden}.bar-fill{height:100%;background:var(--accent);border-radius:999px;transform:scaleX(var(--scale,0));transform-origin:left;animation:grow .9s ease both}.bar-val{text-align:right;font-weight:700}.formula{background:var(--cream);border:1px dashed var(--green);border-radius:12px;padding:14px 18px;margin-top:20px;font-size:.95rem}.note{font-size:.88rem;color:var(--muted);margin-top:14px}.cond{display:grid;gap:14px;grid-template-columns:repeat(3,minmax(0,1fr));margin-top:10px}.cond .card{text-align:center}.cond .tag{display:inline-block;background:var(--accent);color:#fff;font-weight:700;border-radius:8px;padding:2px 14px;margin-bottom:8px}ul.check{list-style:none;padding:0;margin:0;display:grid;gap:10px}ul.check li{padding-left:34px;position:relative}ul.check li::before{content:"✓";position:absolute;left:0;top:2px;width:24px;height:24px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center;font-size:.85rem;font-weight:700;line-height:1}.contact dl{display:grid;grid-template-columns:130px 1fr;gap:10px 16px;margin:0}.contact dt{font-weight:700;color:var(--green-dark)}.contact dd{margin:0}footer{background:var(--green-dark);color:#fff;padding:28px 0;text-align:center;font-size:.9rem}footer p{margin:0 0 4px}.ph{background:#fff6e0;padding:0 6px;border-radius:4px}@keyframes grow{from{transform:scaleX(0)}to{transform:scaleX(var(--scale,0))}}
@media(max-width:800px){.grid.c3{grid-template-columns:repeat(2,minmax(0,1fr))}.cond{grid-template-columns:1fr}}@media(max-width:720px){html{scroll-padding-top:165px}.rate-box{grid-template-columns:1fr}.site-inner{gap:8px}.hero{padding:40px 0}section{padding:40px 0}}@media(max-width:520px){.grid.c3{grid-template-columns:1fr}.contact dl{grid-template-columns:1fr;gap:4px}.contact dd{margin-bottom:10px}.card{padding:22px 20px}.bar-row{grid-template-columns:90px 1fr 56px;gap:6px;font-size:.85rem}h2{font-size:1.35rem}.btn{padding:10px 20px}nav ul{gap:5px 14px;font-size:.85rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.bar-fill{animation:none}.btn{transition:none}}