:root{
    --bg:#ffffff; --ink:#111821; --soft:#59626f; --line:#e7ebf1; --panel:#f6f8fc;
    --navy:#111d31; --navy2:#1a2b47; --navy3:#0a1120;
    --gold:#c6a052; --gold-l:#e8cf93; --gold-d:#9d7b35;
    --sans:'Inter','Noto Sans JP',system-ui,-apple-system,'Hiragino Kaku Gothic ProN','Yu Gothic',Meiryo,sans-serif;
    --disp:'Sora','Inter','Noto Sans JP',system-ui,'Hiragino Kaku Gothic ProN','Yu Gothic',sans-serif;
    --maxw:1120px; --r:18px;
    --sh:0 1px 2px rgba(16,24,40,.04),0 12px 30px rgba(16,24,40,.07);
    --shl:0 26px 64px rgba(10,17,32,.16);
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  body{background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.7;-webkit-font-smoothing:antialiased;overflow-x:hidden}
  a{text-decoration:none;color:inherit}
  h1,h2,h3{font-family:var(--disp);font-weight:700;letter-spacing:-.025em;color:var(--navy);line-height:1.16}
  .wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
  .grad{background:linear-gradient(96deg,var(--gold-l) 0%,var(--gold) 48%,#b98f45 100%);-webkit-background-clip:text;background-clip:text;color:transparent}

  .btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:var(--sans);font-weight:600;border-radius:12px;padding:15px 28px;font-size:15px;cursor:pointer;border:none;transition:transform .2s cubic-bezier(.2,.7,.2,1),box-shadow .2s,background .2s,border-color .2s;white-space:nowrap}
  .btn-gold{background:linear-gradient(140deg,#d4b268,var(--gold) 55%,#ab8639);color:#1b1408;box-shadow:0 8px 22px rgba(198,160,82,.3)}
  .btn-gold:hover{transform:translateY(-2px);box-shadow:0 14px 30px rgba(198,160,82,.42)}
  .btn-navy{background:var(--navy);color:#fff}
  .btn-navy:hover{transform:translateY(-2px);background:var(--navy2)}
  .btn-ghost{background:rgba(255,255,255,.06);color:#fff;border:1px solid rgba(255,255,255,.22);backdrop-filter:blur(6px)}
  .btn-ghost:hover{background:rgba(255,255,255,.12);border-color:rgba(255,255,255,.42);transform:translateY(-2px)}
  .btn-line{background:#fff;color:var(--navy);border:1px solid #d7dde6}
  .btn-line:hover{border-color:var(--navy);transform:translateY(-2px)}

  header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.82);backdrop-filter:blur(16px) saturate(1.4);border-bottom:1px solid transparent;transition:border-color .25s,box-shadow .25s}
  header.stuck{border-bottom-color:var(--line);box-shadow:0 6px 24px rgba(16,24,40,.06)}
  .nav{display:flex;align-items:center;justify-content:space-between;height:84px;gap:20px}
  .brand{display:flex;align-items:center;gap:12px;flex-shrink:0}
  .brand-mark{height:44px;width:auto;display:block}
  .brand-text{height:34px;width:auto;display:block}
  @media(max-width:880px){.brand-mark{height:36px}.brand-text{height:28px}}
  .nav-links{display:flex;gap:26px;align-items:center}
  .nav-links a{color:var(--soft);font-weight:500;font-size:14.5px;transition:color .2s}
  .nav-links a:hover{color:var(--ink)}
  .nav-links a.btn{color:#1b1408}
  .nav-toggle{display:none;background:none;border:none;color:var(--navy);cursor:pointer;padding:6px;line-height:0}
  @media(max-width:880px){
    .nav-toggle{display:inline-flex}
    .nav-links{position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:6px 0;box-shadow:0 18px 34px rgba(16,24,40,.12);display:none}
    .nav-links.open{display:flex}
    .nav-links a{padding:14px 24px;font-size:16px;color:var(--ink)}
    .nav-links a.btn{margin:10px 24px;text-align:center;justify-content:center}
  }

  /* HERO */
  .hero{position:relative;color:#fff;padding:104px 0 88px;overflow:hidden;isolation:isolate}
  .hero:before{content:"";position:absolute;inset:0;z-index:-2;background:
    radial-gradient(900px 480px at 80% -10%,rgba(198,160,82,.30),transparent 62%),
    radial-gradient(760px 540px at 2% 104%,rgba(41,80,150,.40),transparent 62%),
    linear-gradient(175deg,#0a1120 0%,#13223a 52%,#0b1424 100%)}
  .hero:after{content:"";position:absolute;inset:0;z-index:-1;opacity:.55;
    background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);
    background-size:66px 66px;
    -webkit-mask-image:radial-gradient(820px 460px at 62% 24%,#000 10%,transparent 76%);
    mask-image:radial-gradient(820px 460px at 62% 24%,#000 10%,transparent 76%)}
  .hero .grid2{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
  @media(max-width:980px){.hero{padding:82px 0 78px}.hero .grid2{grid-template-columns:1fr;gap:40px}}
  .hero h1{font-size:clamp(35px,5.1vw,58px);color:#fff;line-height:1.06;letter-spacing:-.033em}
  .hero p.sub{color:#bac6d8;font-size:18px;margin:22px 0 32px;max-width:560px}
  .hero .cta{display:flex;gap:12px;flex-wrap:wrap}
  .hero .trust{margin-top:34px;color:#93a3ba;font-size:13.5px;display:flex;gap:10px 22px;flex-wrap:wrap}
  .hero .trust span{display:flex;gap:8px;align-items:center}
  .hero .trust span:before{content:"";width:5px;height:5px;border-radius:50%;background:var(--gold);flex-shrink:0}

  .eyebrow{display:inline-flex;align-items:center;gap:9px;background:rgba(198,160,82,.11);color:var(--gold-d);border:1px solid rgba(198,160,82,.28);border-radius:999px;padding:6px 15px;font-size:11.5px;font-weight:600;letter-spacing:.13em;text-transform:uppercase}
  .eyebrow:before{content:"";width:6px;height:6px;border-radius:50%;background:var(--gold);flex-shrink:0}
  .hero .eyebrow{color:var(--gold-l);background:rgba(198,160,82,.13);border-color:rgba(198,160,82,.32);margin-bottom:22px}

  /* hero side panel */
  .hcard{background:linear-gradient(160deg,rgba(255,255,255,.10),rgba(255,255,255,.03));border:1px solid rgba(255,255,255,.16);border-radius:22px;padding:28px 26px;backdrop-filter:blur(14px);box-shadow:0 30px 70px rgba(0,0,0,.34)}
  .hcard .lbl{font-size:11.5px;letter-spacing:.13em;text-transform:uppercase;color:#9fb0c7;font-weight:600}
  .hcard .big{font-family:var(--disp);font-weight:700;font-size:clamp(28px,3.6vw,38px);letter-spacing:-.03em;margin:8px 0 4px}
  .hcard .cap{color:#93a3ba;font-size:13px;margin-bottom:20px}
  .hbar{height:9px;border-radius:99px;background:rgba(255,255,255,.1);overflow:hidden;margin-bottom:8px}
  .hbar i{display:block;height:100%;border-radius:99px;background:linear-gradient(90deg,var(--gold-l),var(--gold));width:0;transition:width 1.5s cubic-bezier(.2,.8,.2,1)}
  .hrow{display:flex;justify-content:space-between;font-size:12.5px;color:#93a3ba;margin-bottom:16px}
  .hcard .note{border-top:1px solid rgba(255,255,255,.12);padding-top:16px;font-size:12.5px;color:#8b9bb2;line-height:1.6}
  @media(max-width:980px){.hcard{display:none}}

  /* STAT BAND */
  .stats{background:var(--navy);color:#fff}
  .statrow{display:grid;grid-template-columns:repeat(4,1fr)}
  @media(max-width:760px){.statrow{grid-template-columns:repeat(2,1fr)}}
  .stat{padding:30px 20px;text-align:center;border-left:1px solid rgba(255,255,255,.08)}
  .stat:first-child{border-left:none}
  @media(max-width:760px){.stat:nth-child(3){border-left:none}.stat:nth-child(n+3){border-top:1px solid rgba(255,255,255,.08)}}
  .stat b{display:block;font-family:var(--disp);font-weight:700;font-size:clamp(23px,3vw,31px);letter-spacing:-.03em;color:var(--gold-l);line-height:1.2}
  .stat span{display:block;font-size:12.5px;color:#93a3ba;margin-top:6px;letter-spacing:.02em}

  section{padding:92px 0}
  @media(max-width:760px){section{padding:64px 0}}
  .tint{background:var(--panel);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
  .dark{background:var(--navy3);position:relative;overflow:hidden}
  .dark:before{content:"";position:absolute;inset:0;background:radial-gradient(700px 400px at 84% 8%,rgba(198,160,82,.16),transparent 64%)}
  .dark .wrap{position:relative}
  .dark h2,.dark h3{color:#fff}
  .dark .lead p{color:#a9b7cb}

  .lead{max-width:680px;margin:0 auto 52px;text-align:center}
  .lead h2{font-size:clamp(27px,3.7vw,41px);margin-top:16px;text-wrap:balance}
  .lead p,.cta-band h2,.cta-band p{text-wrap:balance}
  .lead p{color:var(--soft);margin-top:14px;font-size:17px}

  /* CARDS */
  .cards{display:grid;gap:24px;align-items:stretch}
  .c2{grid-template-columns:1fr 1fr}
  .c3{grid-template-columns:repeat(3,1fr)}
  @media(max-width:880px){.c2,.c3{grid-template-columns:1fr}}
  .card{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:34px 30px;box-shadow:var(--sh);transition:transform .28s cubic-bezier(.2,.7,.2,1),box-shadow .28s,border-color .28s;overflow:hidden}
  .card:before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--gold-l),var(--gold));transform:scaleX(0);transform-origin:left;transition:transform .35s cubic-bezier(.2,.7,.2,1)}
  .card:hover{transform:translateY(-5px);box-shadow:var(--shl);border-color:#dbe2eb}
  .card:hover:before{transform:scaleX(1)}
  .card{display:flex;flex-direction:column}
  .card h3{font-size:20px;margin:0 0 12px}
  .card .more{margin-top:auto;align-self:flex-start}
  .card p{color:var(--soft);font-size:15.2px;margin-bottom:14px}
  .ico{width:48px;height:48px;border-radius:14px;display:grid;place-items:center;background:linear-gradient(145deg,rgba(198,160,82,.17),rgba(198,160,82,.04));border:1px solid rgba(198,160,82,.3);color:var(--gold-d);margin-bottom:20px}
  .tick{list-style:none;color:var(--soft);font-size:15.2px;margin-bottom:20px}
  .tick li{padding-left:26px;position:relative;margin-bottom:9px}
  .tick li:before{content:"";position:absolute;left:0;top:9px;width:15px;height:15px;border-radius:50%;background:rgba(198,160,82,.15);border:1px solid rgba(198,160,82,.45)}
  .tick li:after{content:"";position:absolute;left:5px;top:13px;width:4px;height:7px;border:solid var(--gold-d);border-width:0 1.6px 1.6px 0;transform:rotate(42deg)}
  .more{display:inline-flex;align-items:center;gap:7px;color:var(--navy);font-weight:600;font-size:14.5px;border-bottom:1.5px solid var(--gold);padding-bottom:2px;transition:gap .2s}
  .more:hover{gap:12px}

  /* STEPS */
  .steps{position:relative;display:grid;grid-template-columns:repeat(3,1fr);gap:34px;max-width:960px;margin:0 auto}
  .steps:before{content:"";position:absolute;top:27px;left:16%;right:16%;height:1px;background:linear-gradient(90deg,transparent,rgba(198,160,82,.55) 18%,rgba(198,160,82,.55) 82%,transparent)}
  @media(max-width:880px){.steps{grid-template-columns:1fr;gap:28px}.steps:before{display:none}}
  .step{text-align:center;position:relative}
  .step .b{width:54px;height:54px;border-radius:50%;background:#fff;border:1.5px solid rgba(198,160,82,.6);color:var(--gold-d);display:grid;place-items:center;font-family:var(--disp);font-weight:700;font-size:19px;margin:0 auto 18px;box-shadow:0 6px 18px rgba(198,160,82,.2)}
  .tint .step .b{background:#fff}
  .dark .step .b{background:rgba(255,255,255,.05);color:var(--gold-l);border-color:rgba(198,160,82,.5);box-shadow:none}
  .step h3{font-size:19px;margin-bottom:9px}
  .step p{color:var(--soft);font-size:15px}
  .dark .step p{color:#9fafc4}

  /* STACK GRAPHIC */
  .stack{max-width:720px;margin:0 auto;background:linear-gradient(160deg,rgba(255,255,255,.07),rgba(255,255,255,.02));border:1px solid rgba(255,255,255,.14);border-radius:22px;padding:34px 32px;box-shadow:0 30px 70px rgba(0,0,0,.3)}
  @media(max-width:600px){.stack{padding:26px 20px}}
  .srow{display:grid;grid-template-columns:96px 1fr 76px;align-items:center;gap:16px;margin-bottom:15px}
  @media(max-width:600px){.srow{grid-template-columns:64px 1fr 62px;gap:10px}}
  .srow .n{font-size:12.5px;color:#9fb0c7;letter-spacing:.04em}
  .srow .t{height:12px;border-radius:99px;background:rgba(255,255,255,.08);overflow:hidden}
  .srow .t i{display:block;height:100%;border-radius:99px;background:linear-gradient(90deg,rgba(198,160,82,.75),var(--gold-l));width:0;transition:width 1.1s cubic-bezier(.2,.8,.2,1)}
  .srow .v{text-align:right;font-family:var(--disp);font-weight:600;font-size:14px;color:#fff}
  .stotal{display:flex;justify-content:space-between;align-items:baseline;border-top:1px solid rgba(255,255,255,.14);margin-top:22px;padding-top:20px}
  .stotal span{font-size:12.5px;letter-spacing:.13em;text-transform:uppercase;color:#9fb0c7;font-weight:600}
  .stotal b{font-family:var(--disp);font-size:clamp(26px,4vw,34px);letter-spacing:-.03em}
  .caveat{max-width:720px;margin:20px auto 0;text-align:center;color:#8b9bb2;font-size:12.5px;line-height:1.6}

  /* FOUNDER */
  .founder{display:grid;grid-template-columns:290px 1fr;gap:52px;align-items:start;background:#fff;border:1px solid var(--line);border-radius:26px;padding:48px;box-shadow:var(--sh);max-width:1000px;margin:0 auto}
  @media(max-width:880px){.founder{grid-template-columns:1fr;gap:32px;padding:32px 26px;text-align:center}}
  .fphoto{position:relative;width:100%;max-width:250px;margin:0 auto}
  .av{width:100%;aspect-ratio:1;border-radius:22px;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;overflow:hidden;font-family:var(--disp);font-weight:700;font-size:56px;position:relative;z-index:1}
  .av img{width:100%;height:100%;object-fit:cover;object-position:center center;display:block}
  .fphoto:before{content:"";position:absolute;inset:-13px;border-radius:34px;border:1.5px solid var(--gold);opacity:.55;z-index:0;pointer-events:none}
  .fname{font-family:var(--disp);font-weight:700;color:var(--navy);font-size:19px;margin-top:22px;text-align:center}
  .frole{color:var(--gold-d);font-size:13px;font-weight:600;text-align:center;letter-spacing:.04em}
  .fbio h2{font-size:clamp(24px,3.1vw,33px);margin:16px 0 18px}
  .fbio p{color:var(--soft);font-size:15.5px;margin-bottom:15px}
  .pullq{margin-top:26px;background:var(--panel);border-left:3px solid var(--gold);border-radius:0 14px 14px 0;padding:22px 24px;color:var(--navy);font-size:16px;font-style:italic;line-height:1.65}

  /* FAQ */
  .faq{max-width:790px;margin:0 auto}
  details.q{border:1px solid var(--line);border-radius:15px;margin-bottom:12px;background:#fff;overflow:hidden;transition:border-color .2s,box-shadow .2s}
  details.q[open]{border-color:rgba(198,160,82,.45);box-shadow:var(--sh)}
  details.q summary{list-style:none;cursor:pointer;padding:21px 58px 21px 24px;position:relative;font-family:var(--disp);font-weight:600;color:var(--navy);font-size:16.5px;line-height:1.5}
  details.q summary::-webkit-details-marker{display:none}
  details.q summary:after{content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);font-family:var(--disp);font-weight:600;font-size:21px;color:var(--gold-d);transition:transform .25s}
  details.q[open] summary:after{content:"\2212";transform:translateY(-50%) rotate(180deg)}
  details.q .a{padding:0 24px 22px;color:var(--soft);font-size:15.2px}
  details.q .a a{color:var(--navy);font-weight:600;border-bottom:1.5px solid var(--gold)}

  /* CTA BAND */
  .cta-band{position:relative;overflow:hidden;border-radius:26px;padding:60px 40px;text-align:center;color:#fff;max-width:940px;margin:0 auto;
    background:radial-gradient(640px 320px at 82% 0%,rgba(198,160,82,.26),transparent 62%),linear-gradient(160deg,#111d31,#0a1120)}
  @media(max-width:600px){.cta-band{padding:42px 24px}}
  .cta-band h2{color:#fff;font-size:clamp(26px,3.5vw,38px)}
  .cta-band p{color:#b7c4d6;margin:14px auto 28px;font-size:17px;max-width:540px}
  .cta-band .row{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

  /* CALCULATOR */
  .calc{display:grid;grid-template-columns:1fr 1fr;gap:28px;max-width:1000px;margin:0 auto;align-items:start}
  @media(max-width:880px){.calc{grid-template-columns:1fr}}
  .calc-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:34px 30px;box-shadow:var(--sh)}
  .fld{margin-bottom:22px}
  .fld:last-child{margin-bottom:0}
  .fld label{display:block;font-weight:600;color:var(--navy);font-size:14.5px;margin-bottom:9px;font-family:var(--sans)}
  .fld select{width:100%;padding:14px 16px;border:1px solid #d7dde6;border-radius:12px;font-size:15px;font-family:var(--sans);color:var(--ink);background:#fff;cursor:pointer;appearance:none;
    background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%2359626f' stroke-width='2.4' stroke-linecap='round'><path d='M6 9l6 6 6-6'/></svg>");
    background-repeat:no-repeat;background-position:right 16px center;transition:border-color .2s,box-shadow .2s}
  .fld select:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(198,160,82,.16)}
  .result{position:relative;overflow:hidden;border-radius:22px;padding:36px 32px;color:#fff;min-height:290px;display:flex;flex-direction:column;justify-content:center;
    background:radial-gradient(520px 280px at 86% 0%,rgba(198,160,82,.24),transparent 64%),linear-gradient(160deg,#111d31,#0a1120);box-shadow:var(--shl)}
  .result .placeholder{color:#93a3ba;font-size:15.5px;text-align:center}
  .result .lbl{font-size:11.5px;letter-spacing:.13em;text-transform:uppercase;color:var(--gold-l);font-weight:600;margin-bottom:10px}
  .result .amt{font-family:var(--disp);font-weight:700;font-size:clamp(30px,4.6vw,44px);letter-spacing:-.033em;margin-bottom:14px;line-height:1.1}
  .result .tier{font-family:var(--disp);font-weight:700;font-size:clamp(23px,3.4vw,30px);letter-spacing:-.03em;margin-bottom:14px;color:var(--gold-l)}
  .result .msg{color:#b7c4d6;font-size:15px;margin-bottom:22px}
  .result .fine{margin-top:16px;color:#8b9bb2;font-size:12px;line-height:1.55}

  /* FOOTER */
  footer{border-top:1px solid var(--line);padding:40px 0 34px;color:var(--soft);background:var(--panel)}
  .foot{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:14px;align-items:center}
  .foot a{color:var(--navy);font-weight:600}
  .foot a:hover{color:var(--gold-d)}
  .social{display:flex;gap:16px;flex-wrap:wrap;align-items:center}
  .disc{max-width:var(--maxw);margin:22px auto 0;padding:20px 24px 0;color:#8d99ab;font-size:11.5px;line-height:1.6;border-top:1px solid var(--line)}

  /* STICKY MOBILE CTA */
  .scta{display:none}
  @media(max-width:880px){
    body{padding-bottom:78px}
    .scta{display:flex;position:fixed;left:12px;right:12px;bottom:12px;z-index:60;gap:8px;padding:9px;border-radius:16px;
      background:rgba(11,20,36,.94);backdrop-filter:blur(12px);border:1px solid rgba(255,255,255,.12);box-shadow:0 14px 34px rgba(0,0,0,.3)}
    .scta a{flex:1;padding:13px 10px;font-size:14px;border-radius:11px}
  }

  /* REVEAL */
  .rv{opacity:0;transform:translateY(20px);transition:opacity .75s cubic-bezier(.2,.7,.2,1),transform .75s cubic-bezier(.2,.7,.2,1)}
  .rv.in{opacity:1;transform:none}
  @media(prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}.hbar i,.srow .t i{transition:none}}