:root{--ink:#193b35;--green:#246553;--paper:#f7f6f0;--muted:#657771;--line:#dce3dc}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:system-ui,-apple-system,'Noto Sans JP',sans-serif;line-height:1.85}a{color:inherit}header{padding:24px 6%;display:flex;justify-content:space-between;align-items:center;border-bottom:1px solid var(--line);gap:20px}.logo{font-weight:900;font-size:23px;text-decoration:none;letter-spacing:-1px}.logo span{color:#79a087}nav{display:flex;gap:24px;font-size:13px}nav a{text-decoration:none}main{max-width:1120px;margin:auto;padding:0 24px}.hero{display:grid;grid-template-columns:1.25fr 1fr;gap:55px;padding:72px 0 64px;align-items:center}.eyebrow{font-size:12px;letter-spacing:.16em;color:var(--green);font-weight:800}h1{font-size:clamp(35px,5.2vw,60px);line-height:1.35;letter-spacing:-.04em;margin:20px 0}p{color:var(--muted)}.btn{display:inline-block;background:var(--green);color:white;padding:13px 24px;border-radius:9px;text-decoration:none;font-size:14px;font-weight:700}.paper{background:white;border:1px solid var(--line);border-radius:18px;box-shadow:14px 17px 0 #e7ece2;padding:32px;transform:rotate(2deg)}.paper h2{font-size:20px;margin:8px 0 20px}.check{padding:13px 0;border-bottom:1px dashed var(--line);font-size:14px}.check b{color:var(--green);margin-right:12px}.note{font-size:12px}section{padding:46px 0;border-top:1px solid var(--line);scroll-margin-top:20px}.sectionhead{display:flex;align-items:end;justify-content:space-between;gap:16px;margin-bottom:25px}h2{font-size:28px;letter-spacing:-.03em;margin:0}.filters{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:24px}button{font:inherit;cursor:pointer}.filter{border:1px solid var(--line);border-radius:30px;padding:7px 17px;background:transparent;font-size:13px;color:var(--ink)}.filter.active{background:var(--ink);color:white;border-color:var(--ink)}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:13px;padding:26px;display:flex;flex-direction:column}.card .num{font-size:34px;color:#aabcb0;font-weight:700}.tag{font-size:11px;letter-spacing:.08em;color:var(--green)}h3{font-size:19px;line-height:1.6;margin:12px 0}.card p{font-size:13px;margin:0 0 20px}.card a{font-size:13px;font-weight:700;margin-top:auto}.tool{display:grid;grid-template-columns:1fr 1fr;gap:40px;background:#e9eee5;padding:34px;border-radius:18px}.fields{display:grid;grid-template-columns:1fr 1fr;gap:14px}label{display:block;font-size:12px;font-weight:700}input{width:100%;padding:12px;margin-top:5px;border:1px solid #bccdc0;border-radius:7px;font-size:17px;background:#fff;color:var(--ink)}.result{background:var(--ink);color:white;border-radius:12px;padding:27px;margin-top:20px}.result strong{display:block;font-size:34px;line-height:1.6}.result p{color:#c8d9cf;font-size:12px;margin:0}.article{background:#fff;border:1px solid var(--line);padding:28px;border-radius:12px;margin:18px 0}.article h3{margin-top:0}.article p,.article li{font-size:14px}.source{font-size:12px!important}.links{display:flex;flex-wrap:wrap;gap:12px}.links a{background:white;border:1px solid var(--line);border-radius:8px;padding:13px 18px;font-size:13px}.about{max-width:760px}.about p{font-size:13px}footer{padding:28px 6%;border-top:1px solid var(--line);font-size:12px;color:var(--muted);display:flex;justify-content:space-between}.draft{font-size:11px;background:#e7ece2;padding:4px 9px;border-radius:5px;white-space:nowrap}[hidden]{display:none!important}@media(max-width:720px){header{padding:18px 20px}nav{gap:12px;font-size:11px}nav a:last-child{display:none}.logo{font-size:20px}.hero{grid-template-columns:1fr;gap:30px;padding:40px 0}.paper{transform:rotate(1deg);padding:23px;margin:0 8px 16px 0}.grid{grid-template-columns:1fr}.card{padding:22px}.card .num{font-size:25px}.tool{grid-template-columns:1fr;padding:22px;gap:12px}.sectionhead{align-items:start}h2{font-size:24px}section{padding:32px 0}.article{padding:22px}footer{display:block}main{padding:0 20px}}
.choices{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.choice{padding:18px;text-align:left;border:1px solid var(--line);border-radius:10px;background:white;color:var(--ink);font-weight:700;font-size:14px}.choice[aria-pressed="true"]{background:var(--green);color:white}.choice:hover{border-color:var(--green)}.suggestions{margin-top:22px;padding:25px;background:#e9eee5;border-radius:14px}.suggestions li{margin:12px 0}.suggestions details{border-top:1px solid #c8d6c7;margin-top:24px;padding-top:18px;font-size:13px}summary{cursor:pointer;font-weight:700}.fields{align-content:start}.fields small{display:block;font-weight:400;color:var(--muted);font-size:11px;line-height:1.6;margin-top:5px}.fields button{align-self:center}.result.deficit{background:#794332}button:focus-visible,a:focus-visible,input:focus-visible{outline:3px solid #ce9e31;outline-offset:3px}@media(max-width:440px){.choices{grid-template-columns:1fr}.fields{grid-template-columns:1fr}.suggestions{padding:20px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}.ad-preview{margin:48px 0 24px;padding:24px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);text-align:center;color:var(--muted);font-size:11px}.ad-surface{min-height:140px;margin-top:14px;background:#eeeee7;border:1px dashed #c1c9bd;border-radius:8px;display:grid;place-items:center;font-size:15px;letter-spacing:.08em}.ad-preview p{margin:10px 0 0}.calculate-button{border:0;text-align:center;cursor:pointer}.fields .calculate-button{grid-column:1 / -1} 
html{-webkit-text-size-adjust:100%;text-size-adjust:100%}body{overflow-wrap:anywhere;font-size:16px}main>*{min-width:0}header{flex-wrap:wrap;padding:18px max(20px,calc((100% - 1120px)/2));gap:8px 24px}.logo{letter-spacing:0}nav{gap:8px 20px;flex-wrap:wrap}nav a{font-size:14px;min-height:44px;display:inline-flex;align-items:center}a{text-underline-offset:4px}a:hover{text-decoration-thickness:2px}.btn,.filter,.choice{min-height:48px;font-size:16px}.btn:hover{background:#193b35}.note,.tag,.eyebrow,.source,.fields small{font-size:14px!important;line-height:1.7}.eyebrow{letter-spacing:.07em}.card p,.card a,.article p,.article li,.about p,label,.links a,.check{font-size:16px}.card h3{font-size:20px}.links a{min-height:48px;display:inline-flex;align-items:center}.hero{padding:42px 0;gap:36px}.hero p{max-width:40em}.paper{box-shadow:9px 10px 0 #e7ece2;transform:rotate(1deg)}.hero .btn{margin:8px 8px 0 0}.step-label{font-size:14px;font-weight:800;color:var(--green);margin-bottom:8px}.tool{display:flex;flex-direction:column;gap:20px}.tool-intro>p{max-width:65ch}.fields{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.fields input{min-height:50px;font-size:18px}.result{margin:0}.result strong{font-size:clamp(28px,7vw,40px);overflow-wrap:anywhere}.result p{font-size:16px}.result-panel{min-width:0}.journey{display:flex;flex-wrap:wrap;gap:8px 16px;padding-left:22px;color:var(--muted);font-size:14px}.journey li{padding-right:14px}.page{max-width:800px;padding-bottom:56px}.page h1{font-size:clamp(28px,4.8vw,43px);line-height:1.55;letter-spacing:-.025em;margin:22px 0}.page h2{font-size:25px;line-height:1.6;margin:32px 0 12px}.page h3{font-size:20px}.page p,.page li{font-size:16px;line-height:2}.page li{margin:8px 0}.page section{padding:0;border:0}.breadcrumbs{padding:22px 0 0;font-size:14px;line-height:1.8;display:flex;gap:8px;flex-wrap:wrap}.breadcrumbs a{min-height:44px}.breadcrumbs span{padding-top:9px}.meta{font-size:14px!important;color:var(--muted)}.callout{background:#e9eee5;border-left:4px solid var(--green);border-radius:0 12px 12px 0;padding:20px;margin:24px 0}.callout p:first-child{margin-top:0}.callout p:last-child{margin-bottom:0}.experience{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px;margin:24px 0}.experience h2{margin-top:8px}.toc{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px}.toc a{display:inline-block;padding:8px 0}.toc ol{margin-bottom:0}.facts{margin:22px 0}.facts dt{font-weight:750;margin-top:14px}.facts dd{margin:4px 0 0;color:var(--muted)}.related{border-top:1px solid var(--line);padding-top:24px;margin-top:36px}.ad-slot[hidden]{display:none!important}.ad-slot:not([hidden]){border-block:1px solid var(--line);margin:32px 0;padding:16px;text-align:center}.ad-label{font-size:14px;color:var(--muted)}footer{display:block;padding:30px max(20px,calc((100% - 1120px)/2));font-size:14px}.footer-links{display:flex;flex-wrap:wrap;gap:8px 24px;margin-bottom:20px}.footer-links a{display:inline-flex;align-items:center;min-height:44px}.footer-note{margin:12px 0}.skip-link{position:absolute;left:12px;top:-100px;background:var(--ink);color:#fff;padding:12px;z-index:10}.skip-link:focus{top:8px}.sectionhead{flex-wrap:wrap}input[aria-invalid=true]{border:2px solid #794332}.field-error{color:#794332}.page a{overflow-wrap:anywhere}p{color:#4c625b}.filters{gap:10px}.card{min-width:0}.article ol,.page ol,.page ul{padding-left:1.5em}summary{min-height:44px;padding:8px 0}
@media(max-width:720px){header{padding:14px 20px}header nav{width:100%;gap:6px 18px}nav a:last-child{display:inline-flex}.hero{padding:28px 0 34px;gap:22px}.hero h1{font-size:clamp(32px,8.5vw,44px)}.paper{padding:22px;margin-right:8px}.choices{grid-template-columns:1fr}.tool{padding:20px}.fields{grid-template-columns:1fr;gap:18px}.result{padding:22px}.sectionhead{gap:8px}.page h1{font-size:30px}.page h2{font-size:23px}.experience{padding:20px}.callout{padding:18px}.footer-links{display:grid;grid-template-columns:1fr;gap:2px}.page{padding-inline:20px}.result-panel .links{flex-direction:column}.result-panel .links a{justify-content:center}.btn{width:100%;text-align:center}.hero .btn{margin-right:0}.journey{display:block}.journey li{padding:3px 0}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
.ad-slot{max-width:100%;min-width:0;overflow:hidden}.ad-slot iframe,.ad-slot img{max-width:100%}.ad-label{display:block;margin-bottom:12px}.ad-slot[data-ad-position=top]{margin:24px 0 48px}.ad-slot[data-ad-position=top]+#budget{padding-top:46px}
.comparison-table{width:100%;table-layout:fixed;border-collapse:collapse;margin:24px 0;background:#fff}.comparison-table caption{text-align:left;font-size:14px;padding:12px 0}.comparison-table th,.comparison-table td{text-align:left;border:1px solid var(--line);padding:14px;font-size:16px;overflow-wrap:anywhere}.loan-profile{padding-bottom:24px!important;border-bottom:1px solid var(--line)!important}.commercial-link{margin:24px 0 36px;padding-top:16px}.affiliate-label{display:block;color:var(--muted);font-size:14px;margin-bottom:10px}
.brand-promise{font-size:16px!important;font-weight:700;line-height:1.9!important;letter-spacing:0}.experience-badge{display:inline-block;align-self:flex-start;padding:3px 10px;border:1px solid var(--line);border-radius:6px;background:#e9eee5;font-size:14px!important;letter-spacing:0;margin-bottom:12px}

.rent-ad{margin:28px 0;padding:20px;border:1px solid var(--line);border-radius:8px;background:#fff;min-width:0}.rent-ad[hidden]{display:none}.rent-banner{max-width:936px;position:relative;margin:18px 0}.rent-banner a{display:block;width:100%;min-height:44px}.rent-banner a img{display:block;width:100%;max-width:936px;height:auto}.rent-banner>img{position:absolute;width:1px;height:1px}.rent-ad h3{font-size:20px}.rent-ad .note{font-size:14px}.affiliate-disclosure{margin:16px 0}
.debt-ad{border:1px solid var(--line);border-radius:12px;padding:20px;margin:32px 0;background:#f2f5ee;min-width:0;overflow-wrap:anywhere}
.debt-ad h4{font-size:18px;margin:14px 0}
.debt-banner{max-width:300px;width:100%;margin:20px auto}
.debt-banner a{display:block;min-height:44px}
.debt-banner a img{display:block;width:100%;max-width:300px;height:auto}
.debt-banner>img{width:1px;height:1px}
@media(max-width:400px){.debt-ad{padding:14px}}

/* Existing green/paper brand, readable mobile topic navigation. */
.topic-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:24px 0}.topic-card{display:flex;flex-direction:column;gap:10px;text-decoration:none;padding:22px;background:#fff;border:1px solid var(--line);border-radius:12px;min-width:0}.topic-card strong{font-size:19px;color:var(--ink)}.topic-card span{font-size:16px;color:#4c625b}.topic-card:hover{border-color:var(--green);background:#eef3ed}.topic-section h2{line-height:1.5}.page details{padding:12px 0;border-bottom:1px solid var(--line)}.page summary{font-size:17px;line-height:1.8}.table-scroll{max-width:100%;overflow-x:auto}.table-scroll .comparison-table{min-width:480px}#budget-reading{background:#fff;padding:20px;border:1px solid var(--line);border-radius:10px;margin-top:20px}#budget-reading li{padding:8px 0}#budget-reading a{display:inline-block;padding:4px 0}.rent-ad .rent-banner a img{min-height:0}#rent-help{scroll-margin-top:20px}
@media(max-width:640px){.topic-grid{grid-template-columns:1fr}.topic-card{padding:18px}.hero .paper{display:none}.hero{padding-bottom:24px}#topics{padding-top:28px}.table-scroll .comparison-table th,.table-scroll .comparison-table td{padding:10px}}