:root {
  --ink: #101b35;
  --muted: #56627a;
  --paper: #f6f3ec;
  --surface: #fffdf8;
  --line: #d9d9d2;
  --navy: #0b1c3d;
  --blue: #1858d1;
  --blue-dark: #1044aa;
  --mint: #dff7ec;
  --mint-ink: #136246;
  --warm: #f4e8c9;
  --danger: #fff1ed;
  --danger-ink: #8a2f21;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-underline-offset: 4px; }
a:focus-visible, button:focus-visible { outline: 3px solid #74a3ff; outline-offset: 4px; }
.skip-link { position: absolute; left: 14px; top: -70px; z-index: 100; background: white; color: var(--ink); padding: 10px 14px; border-radius: 7px; font-weight: 700; }
.skip-link:focus { top: 12px; }
.wrap { width: min(1160px, calc(100% - 40px)); margin-inline: auto; }

.site-header { border-bottom: 1px solid rgba(16, 27, 53, .13); background: rgba(246, 243, 236, .94); position: sticky; top: 0; z-index: 20; backdrop-filter: blur(14px); }
.nav-wrap { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 32px; }
.brand { display: inline-flex; align-items: center; gap: 11px; font-weight: 760; text-decoration: none; letter-spacing: -.025em; font-size: 19px; }
.brand-mark { display: grid; place-items: center; width: 32px; height: 32px; border-radius: 9px; background: var(--blue); color: white; font-family: ui-monospace, SFMono-Regular, Menlo, monospace; font-size: 16px; box-shadow: inset 0 0 0 1px rgba(255,255,255,.2); }
.site-header nav, footer nav { display: flex; align-items: center; gap: 30px; }
.site-header nav a, footer nav a { color: var(--muted); text-decoration: none; font-weight: 620; font-size: 14px; }
.site-header nav a:hover, footer nav a:hover { color: var(--blue); }
.language-switch { display: inline-flex; align-items: center; padding: 3px; border: 1px solid var(--line); border-radius: 9px; background: var(--surface); flex: 0 0 auto; }
.language-switch a { min-width: 38px; padding: 5px 8px; border-radius: 6px; color: var(--muted); font-size: 11px; font-weight: 760; line-height: 1.2; text-align: center; text-decoration: none; }
.language-switch a[aria-current="page"] { background: var(--ink); color: white; }
.language-switch a:not([aria-current="page"]):hover { color: var(--blue); }
html[lang="ja"] body { font-family: Inter, "Hiragino Sans", "Yu Gothic UI", "Yu Gothic", Meiryo, ui-sans-serif, sans-serif; }
html[lang="ja"] h1 { letter-spacing: -.045em; line-height: 1.08; }

.hero { display: grid; grid-template-columns: 1.18fr .82fr; gap: clamp(48px, 8vw, 116px); align-items: center; min-height: 680px; padding-block: 92px; }
.eyebrow { margin: 0 0 18px; color: var(--blue); text-transform: uppercase; letter-spacing: .14em; font-size: 12px; font-weight: 800; }
h1, h2, h3, p { margin-top: 0; }
h1 { margin-bottom: 30px; font-size: clamp(54px, 7vw, 92px); line-height: .96; letter-spacing: -.065em; font-weight: 780; }
.lede { max-width: 690px; color: var(--muted); font-size: clamp(19px, 2.1vw, 23px); line-height: 1.48; }
.hero-copy .lede { max-width: 590px; }
.hero-actions { display: flex; gap: 12px; margin-top: 38px; flex-wrap: wrap; }
.button { display: inline-flex; min-height: 48px; align-items: center; justify-content: center; padding: 0 20px; border-radius: 9px; font-weight: 720; font-size: 14px; text-decoration: none; transition: transform .18s ease, background .18s ease; }
.button:hover { transform: translateY(-2px); }
.button.primary { background: var(--blue); color: white; box-shadow: 0 10px 28px rgba(24,88,209,.2); }
.button.primary:hover { background: var(--blue-dark); }
.button.secondary { background: var(--surface); border: 1px solid var(--line); }

.assurance-panel { background: var(--navy); color: white; border-radius: 24px; padding: 38px; min-height: 430px; display: flex; flex-direction: column; box-shadow: 0 28px 80px rgba(11,28,61,.22); position: relative; overflow: hidden; }
.assurance-panel::after { content: "7"; position: absolute; right: -22px; bottom: -105px; font-family: ui-monospace, SFMono-Regular, Menlo, monospace; font-size: 300px; line-height: 1; color: rgba(255,255,255,.045); font-weight: 800; }
.panel-label { color: #a9b9d9; text-transform: uppercase; letter-spacing: .14em; font-size: 11px; font-weight: 760; }
.assurance-score { margin: auto 0 54px; position: relative; z-index: 1; }
.assurance-score span { display: block; color: #a9b9d9; font-size: 18px; }
.assurance-score strong { display: block; font-size: clamp(38px, 5vw, 62px); line-height: 1; letter-spacing: -.05em; }
.check-list { list-style: none; padding: 0; margin: 0; position: relative; z-index: 1; display: grid; gap: 14px; }
.check-list li { display: flex; gap: 12px; align-items: center; color: #e1e8f5; font-size: 14px; }
.check-list li::before { content: "✓"; display: grid; place-items: center; width: 22px; height: 22px; border-radius: 50%; background: var(--mint); color: var(--mint-ink); font-weight: 900; flex: 0 0 auto; }

.policy-grid { display: grid; grid-template-columns: repeat(4, 1fr); border: 1px solid var(--line); border-radius: 18px; overflow: hidden; background: var(--surface); }
.policy-card { padding: 32px; min-height: 330px; display: flex; flex-direction: column; }
.policy-card + .policy-card { border-left: 1px solid var(--line); }
.card-index { font-family: ui-monospace, SFMono-Regular, Menlo, monospace; color: var(--blue); font-size: 12px; }
.policy-card h2 { margin: 48px 0 12px; font-size: 34px; letter-spacing: -.045em; }
.policy-card p { color: var(--muted); }
.policy-card a, .text-link { margin-top: auto; color: var(--blue); font-weight: 740; text-decoration: none; }

.document-page { padding-bottom: 130px; }
.document-hero { padding-block: 110px 86px; border-bottom: 1px solid var(--line); }
.document-hero h1 { max-width: 990px; }
.document-hero.compact h1 { font-size: clamp(48px, 6.5vw, 78px); }
.document-hero .button { margin-top: 28px; }
.effective { display: inline-block; margin: 24px 0 0; color: var(--mint-ink); background: var(--mint); padding: 8px 12px; border-radius: 6px; font-family: ui-monospace, SFMono-Regular, Menlo, monospace; font-size: 12px; }
.document-layout { display: grid; grid-template-columns: 260px minmax(0, 740px); gap: clamp(50px, 9vw, 130px); padding-top: 80px; align-items: start; }
.document-aside { position: sticky; top: 112px; display: grid; gap: 8px; border-top: 3px solid var(--blue); padding-top: 24px; color: var(--muted); font-size: 13px; }
.document-aside strong { color: var(--ink); margin-top: 12px; font-size: 15px; }
.document-aside hr { border: 0; border-top: 1px solid var(--line); width: 100%; margin: 20px 0; }
.aside-label { color: var(--blue); text-transform: uppercase; letter-spacing: .12em; font-size: 11px; font-weight: 800; margin-bottom: 3px; }
.aside-note { margin-top: 18px; font-size: 11px; }
.contact-note { margin-top: 24px; color: var(--muted); font-size: 14px; }
.contact-note a { color: var(--blue); font-weight: 700; text-decoration: none; }
.fine-print { margin-top: 30px; color: var(--muted) !important; font-size: 13px !important; line-height: 1.65 !important; }
.fine-print strong { color: var(--ink); }
.document-aside.toc a { color: var(--muted); text-decoration: none; padding: 4px 0; }
.document-aside.toc a:hover { color: var(--blue); }
.document-content section { padding-bottom: 54px; margin-bottom: 54px; border-bottom: 1px solid var(--line); scroll-margin-top: 110px; }
.document-content section:last-child { border-bottom: 0; }
.document-content h2 { margin-bottom: 22px; font-size: clamp(28px, 3.2vw, 40px); letter-spacing: -.04em; line-height: 1.15; }
.document-content p, .document-content li { color: #354058; }
.document-content ul { padding-left: 22px; display: grid; gap: 11px; }
.legal-copy h2 { font-size: 29px; }
.legal-copy p, .legal-copy li { font-size: 16px; line-height: 1.78; }
.notice { margin-top: 28px; border-radius: 12px; padding: 22px; }
.notice strong { display: block; margin-bottom: 5px; }
.notice p { margin: 0; }
.notice.danger { background: var(--danger); color: var(--danger-ink); border: 1px solid #f0c2b8; }
.notice.danger p { color: var(--danger-ink); }
.fact-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: 12px; overflow: hidden; margin: 28px 0; }
.fact-grid div { background: var(--surface); padding: 20px; }
.fact-grid span, .fact-grid strong { display: block; }
.fact-grid span { color: var(--muted); font-size: 12px; margin-bottom: 6px; }
.fact-grid strong { font-size: 16px; }

footer { background: var(--navy); color: white; padding-block: 66px; }
.footer-grid { display: grid; grid-template-columns: 1fr auto; gap: 36px; align-items: start; }
.footer-brand { color: white; }
footer p { color: #a9b9d9; margin: 12px 0 0; font-size: 13px; }
.copyright { grid-column: 1 / -1; padding-top: 30px; border-top: 1px solid rgba(255,255,255,.13); }

@media (max-width: 820px) {
  .hero { grid-template-columns: 1fr; padding-block: 70px; }
  .assurance-panel { min-height: 360px; }
  .policy-grid { grid-template-columns: 1fr; }
  .policy-card + .policy-card { border-left: 0; border-top: 1px solid var(--line); }
  .document-layout { grid-template-columns: 1fr; }
  .document-aside { position: static; grid-template-columns: repeat(2, 1fr); }
  .document-aside .aside-label, .document-aside hr, .document-aside .aside-note { grid-column: 1 / -1; }
}

@media (min-width: 821px) and (max-width: 1040px) {
  .policy-grid { grid-template-columns: repeat(2, 1fr); }
  .policy-card:nth-child(3) { border-left: 0; border-top: 1px solid var(--line); }
  .policy-card:nth-child(4) { border-top: 1px solid var(--line); }
}

@media (max-width: 560px) {
  .wrap { width: min(100% - 28px, 1160px); }
  .nav-wrap { min-height: 68px; flex-wrap: wrap; padding-block: 10px; gap: 10px 16px; }
  .site-header nav { order: 3; width: 100%; justify-content: space-between; gap: 8px; }
  .site-header nav a { font-size: 11px; }
  .language-switch { margin-left: auto; }
  .brand { font-size: 0; }
  .hero { min-height: auto; }
  h1 { font-size: 48px; }
  .hero-actions { flex-direction: column; }
  .button { width: 100%; }
  .assurance-panel { padding: 28px; }
  .policy-card { min-height: 290px; padding: 28px; }
  .document-hero { padding-block: 72px 58px; }
  .document-layout { padding-top: 50px; gap: 50px; }
  .document-aside { grid-template-columns: 1fr; }
  .document-aside .aside-label, .document-aside hr, .document-aside .aside-note { grid-column: auto; }
  .fact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  footer nav { justify-content: flex-start; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; }
}

@media print {
  .site-header, footer, .document-aside { display: none; }
  body { background: white; }
  .document-layout { display: block; }
  .document-content { max-width: none; }
}