:root {
  --bg: #f4f7f6;
  --card: #ffffff;
  --ink: #0f172a;
  --muted: #475569;
  --line: #e2e8f0;
  --brand: #062c30;
  --brand-2: #0d9488;
  --gold: #f59e0b;
  --ok: #059669;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Hiragino Sans", "Noto Sans JP", sans-serif;
  background: var(--bg);
  color: var(--ink);
  line-height: 1.62;
  font-size: 16px;
}
a { color: var(--brand-2); text-decoration: none; }
a:hover { text-decoration: underline; }
.wrap { max-width: 1180px; margin: 0 auto; padding: 0 18px; }
header.top {
  background: var(--brand);
  color: #fff;
  padding: 14px 0;
  border-bottom: 3px solid var(--gold);
}
header.top .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: #fff;
  font-size: 1.25rem;
  font-weight: 700;
  text-decoration: none;
}
.logo .ico {
  background: var(--gold);
  color: var(--brand);
  font-weight: 900;
  padding: 4px 9px;
  border-radius: 6px;
  font-size: 0.95rem;
}
nav.main { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }
nav.main a { color: #e2e8f0; font-size: 0.92rem; font-weight: 500; }
nav.main a:hover { color: #fff; text-decoration: none; }
nav.main a.lang {
  background: rgba(255,255,255,0.14);
  padding: 4px 9px;
  border-radius: 5px;
  font-size: 0.82rem;
  color: #fff;
}
.ticker {
  background: #0a3c42;
  color: #cbd5e1;
  font-size: 0.82rem;
  padding: 7px 0;
}
.ticker .wrap { display: flex; flex-wrap: wrap; gap: 18px; align-items: center; }
.ticker b { color: #fde047; }
main.wrap { padding: 24px 18px 48px; }
.crumbs { font-size: 0.85rem; color: var(--muted); margin-bottom: 16px; }
.grid {
  display: grid;
  grid-template-columns: 1fr 330px;
  gap: 26px;
  align-items: start;
}
@media (max-width: 920px) {
  .grid { grid-template-columns: 1fr; }
}
article, .card, .side-box {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 24px;
  margin-bottom: 20px;
  box-shadow: 0 1px 3px rgba(15,23,42,0.04);
}
h1 { font-size: 1.72rem; line-height: 1.3; margin-bottom: 12px; color: var(--brand); }
h2 { font-size: 1.28rem; margin: 24px 0 10px; color: var(--brand); border-bottom: 1px solid var(--line); padding-bottom: 6px; }
h3 { font-size: 1.06rem; margin: 16px 0 8px; color: var(--ink); }
p { margin-bottom: 12px; }
.lead { font-size: 1.04rem; color: var(--muted); margin-bottom: 18px; }
.kpi-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(185px, 1fr));
  gap: 14px;
  margin: 18px 0;
}
.kpi {
  background: #f8fafc;
  border: 1px solid var(--line);
  border-left: 4px solid var(--brand-2);
  border-radius: 8px;
  padding: 14px;
}
.kpi.ok { border-left-color: var(--ok); background: #f0fdf4; }
.kpi .lbl { font-size: 0.79rem; color: var(--muted); text-transform: uppercase; letter-spacing: 0.03em; }
.kpi .val { font-size: 1.38rem; font-weight: 800; color: var(--ink); margin-top: 4px; }
.kpi .sub { font-size: 0.78rem; color: var(--muted); margin-top: 2px; }
table.tbl {
  width: 100%;
  border-collapse: collapse;
  margin: 14px 0 20px;
  font-size: 0.93rem;
}
table.tbl th, table.tbl td {
  padding: 10px 12px;
  border-bottom: 1px solid var(--line);
  text-align: left;
}
table.tbl th { background: #f1f5f9; font-weight: 700; color: var(--brand); }
table.tbl tr:hover td { background: #f8fafc; }
.calc-form {
  background: #f8fafc;
  border: 1px solid #cbd5e1;
  border-radius: 10px;
  padding: 18px;
  margin: 16px 0 22px;
}
.calc-form .row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 12px;
  margin-bottom: 12px;
}
.calc-form label { display: block; font-size: 0.84rem; font-weight: 600; margin-bottom: 4px; color: var(--brand); }
.calc-form input, .calc-form select {
  width: 100%;
  padding: 9px 11px;
  border: 1px solid #94a3b8;
  border-radius: 6px;
  font-size: 0.95rem;
}
.calc-form button {
  background: var(--brand-2);
  color: #fff;
  border: none;
  padding: 10px 20px;
  border-radius: 6px;
  font-weight: 700;
  cursor: pointer;
  font-size: 0.95rem;
}
.calc-form button:hover { background: var(--brand); }
.links-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(230px, 1fr));
  gap: 9px;
  margin: 14px 0;
}
.links-grid a {
  display: block;
  background: #f8fafc;
  border: 1px solid var(--line);
  padding: 8px 11px;
  border-radius: 6px;
  font-size: 0.87rem;
  color: var(--ink);
}
.links-grid a:hover { border-color: var(--brand-2); color: var(--brand-2); text-decoration: none; }
.faq-item { border-bottom: 1px solid var(--line); padding: 12px 0; }
.faq-item h3 { margin: 0 0 6px; font-size: 1rem; color: var(--brand); }
footer.site {
  background: var(--brand);
  color: #cbd5e1;
  padding: 36px 0 28px;
  font-size: 0.88rem;
  margin-top: 40px;
}
footer.site .cols {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
  gap: 24px;
  margin-bottom: 24px;
}
footer.site h4 { color: #fff; margin-bottom: 10px; font-size: 0.98rem; }
footer.site ul { list-style: none; }
footer.site li { margin-bottom: 6px; }
footer.site a { color: #5eead4; }
footer.site .legal { border-top: 1px solid rgba(255,255,255,0.12); padding-top: 18px; font-size: 0.8rem; color: #94a3b8; }