:root{--teal:#037b66;--teal2:#0aa17e;--ink:#12232b;--paper:#f6f9f9;--card:#fff;--mut:#5c7478;--line:#dfe9e6;--gold:#c9a227;--red:#d93a3a;--green:#0aa17e;--maxw:1160px}
*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}
body{background:var(--paper);color:var(--ink);font-family:"Hiragino Kaku Gothic ProN","Hiragino Sans","Yu Gothic UI","Meiryo",system-ui,sans-serif;line-height:1.8}
a{color:inherit;text-decoration:none}img{max-width:100%;height:auto;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.btn{display:inline-block;background:var(--teal);color:#fff;padding:12px 28px;border-radius:4px;font-weight:700;font-size:.94rem;transition:background .15s}
.btn:hover{background:var(--teal2)}
.btn.ghost{background:#fff;color:var(--teal);border:1.5px solid var(--teal)}
.btn.sm{padding:7px 16px;font-size:.84rem}
header.site{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.top{display:flex;align-items:center;justify-content:space-between;height:62px}
.logo{display:flex;align-items:center;gap:9px;font-weight:900;font-size:1.25rem;color:var(--teal)}
.logo .y{width:30px;height:30px;background:var(--teal);color:#fff;display:flex;align-items:center;justify-content:center;border-radius:5px;font-size:1rem}
nav.main{display:flex;gap:22px;align-items:center;font-size:.9rem;color:#386058}
nav.main a{padding:6px 0;border-bottom:2px solid transparent;font-weight:600}
nav.main a:hover,nav.main a.active{color:var(--teal);border-color:var(--teal)}
.nav-toggle{display:none;background:none;border:0;font-size:1.6rem;cursor:pointer}
.hero{padding:58px 0 40px;background:linear-gradient(180deg,#e6f5f0,#f6f9f9)}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:44px;align-items:center}
.eyebrow{display:inline-block;color:var(--teal);font-weight:800;letter-spacing:.18em;font-size:.76rem;text-transform:uppercase;margin-bottom:14px;background:#fff;border:1px solid var(--line);padding:6px 14px;border-radius:999px}
.hero h1{font-size:clamp(2rem,4.8vw,3.2rem);font-weight:900;line-height:1.18;color:#0b3430}
.hero h1 em{font-style:normal;color:var(--teal)}
.hero .sub{margin:18px 0 0;color:var(--mut);max-width:560px;font-size:1.02rem}
.hero .cta-row{margin-top:28px;display:flex;gap:14px;flex-wrap:wrap}
.ticker{background:#fff;border:1px solid var(--line);border-radius:10px;padding:20px;font-size:.9rem}
.ticker .row{display:flex;justify-content:space-between;padding:11px 0;border-bottom:1px dashed var(--line)}
.ticker .row:last-child{border-bottom:0}
.ticker b{font-weight:700}
.up{color:var(--green)}.down{color:var(--red)}
section.blk{padding:52px 0}
section.blk.alt{background:#fff}
h2.sec{font-size:1.55rem;font-weight:900;margin-bottom:10px;color:#0b3430}
h2.sec em{font-style:normal;color:var(--teal)}
p.sec-sub{color:var(--mut);margin-bottom:26px;max-width:680px}
.grid{display:grid;gap:18px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:24px;box-shadow:0 3px 12px rgba(20,60,50,.05)}
.card h3{font-size:1.06rem;font-weight:800;margin-bottom:8px;color:var(--teal)}
.card p{color:var(--mut);font-size:.92rem}
.card .tag{font-size:.75rem;font-weight:800;color:var(--gold);letter-spacing:.06em;margin-bottom:8px;display:block}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:start}
.note{background:#eaf7f2;border-left:4px solid var(--teal);padding:16px 20px;border-radius:8px;color:var(--mut);font-size:.9rem;margin-top:26px}
.phead{padding:48px 0 26px;border-bottom:1px solid var(--line);background:#fff}
.phead h1{font-size:clamp(1.85rem,4vw,2.7rem);font-weight:900;color:#0b3430}
.phead h1 em{font-style:normal;color:var(--teal)}
.lede{margin-top:14px;max-width:720px;color:var(--mut);font-size:1.02rem}
.crumb{font-size:.85rem;color:var(--mut);margin-bottom:14px}.crumb a{color:var(--teal)}
ul.list{margin:12px 0 0 22px}ul.list li{margin-bottom:9px;color:var(--mut)}
table.tb{width:100%;border-collapse:collapse;font-size:.92rem;background:#fff;border:1px solid var(--line);border-radius:10px;overflow:hidden}
.tb th,.tb td{padding:12px 15px;border-bottom:1px solid var(--line);text-align:left}
.tb th{background:#e6f5f0;color:var(--teal);font-weight:800}
.tb tr:last-child td{border-bottom:0}
.cta-card{background:linear-gradient(120deg,var(--teal),var(--teal2));color:#fff;border-radius:12px;padding:44px 36px;text-align:center}
.cta-card h2{font-size:1.45rem;font-weight:900;margin-bottom:8px}
.cta-card p{color:rgba(255,255,255,.92);margin:0 auto 24px;max-width:540px}
.cta-card .btn{background:#fff;color:var(--teal)}
.faqwrap{display:flex;flex-direction:column;gap:12px}
.faq{background:#fff;border:1px solid var(--line);border-radius:10px;overflow:hidden}
.faq summary{padding:18px 22px;cursor:pointer;font-weight:700;list-style:none;display:flex;justify-content:space-between;align-items:center}
.faq summary::-webkit-details-marker{display:none}.faq summary::after{content:"＋";color:var(--teal)}
.faq[open] summary::after{content:"－"}.faq .a{padding:4px 22px 18px;color:var(--mut);font-size:.92rem}
footer.site{border-top:1px solid var(--line);margin-top:56px;padding:40px 0 32px;background:#fff;color:var(--mut);font-size:.88rem}
.ft{display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap}.ft nav{display:flex;gap:18px;flex-wrap:wrap}.ft nav a:hover{color:var(--teal)}
@media(max-width:880px){.g3{grid-template-columns:1fr}.g2{grid-template-columns:1fr}.g4{grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr}
 .hero .wrap{grid-template-columns:1fr}
 .nav-toggle{display:block}
 nav.main{position:fixed;top:62px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:18px 20px;gap:16px;border-bottom:1px solid var(--line);display:none}
 nav.main.open{display:flex}}