*{box-sizing:border-box}body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI","Noto Sans JP",sans-serif;color:#20242a;background:#f7f8fa;line-height:1.9}a{color:#1769aa}.site-header{background:#132238;color:#fff}.header-inner{max-width:980px;margin:auto;padding:18px 20px;display:flex;justify-content:space-between;align-items:center}.brand{font-size:20px;font-weight:800;color:#fff;text-decoration:none}.nav a{color:#fff;text-decoration:none;margin-left:18px;font-size:14px}.hero{background:linear-gradient(135deg,#132238,#274b6d);color:#fff;padding:62px 20px}.hero-inner{max-width:880px;margin:auto}.hero h1{font-size:clamp(30px,5vw,48px);line-height:1.35;margin:0 0 18px}.hero p{max-width:720px;font-size:18px}.container{max-width:880px;margin:34px auto;padding:0 20px}.article{background:#fff;padding:clamp(24px,5vw,52px);border-radius:14px;box-shadow:0 4px 22px rgba(0,0,0,.06)}h1,h2,h3{line-height:1.5}h2{margin-top:48px;border-left:5px solid #e18b24;padding-left:14px}h3{margin-top:30px}.lead{font-size:18px}.note{background:#f1f5f8;border-radius:10px;padding:18px;margin:25px 0}.cta{background:#fff7ea;border:1px solid #f0cf9c;border-radius:14px;padding:28px;margin:36px 0;text-align:center}.cta h2,.cta h3{border:0;padding:0;margin-top:0}.button{display:inline-block;background:#d96d13;color:#fff!important;text-decoration:none;font-weight:800;padding:15px 26px;border-radius:8px;margin:10px 0}.button:hover{opacity:.88}.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px}.card{background:#fff;padding:22px;border-radius:12px;border:1px solid #e4e7eb}.card a{font-weight:700;text-decoration:none}.disclosure{font-size:13px;color:#666;border-bottom:1px solid #e7e7e7;padding-bottom:18px;margin-bottom:28px}.source{font-size:14px;color:#555}.footer{max-width:880px;margin:40px auto;padding:20px;color:#667;font-size:13px}.tag{display:inline-block;background:#e9eef4;padding:3px 10px;border-radius:20px;font-size:12px;margin-right:5px}@media(max-width:650px){.nav{display:none}.article{border-radius:0}.container{padding:0;margin-top:0}.hero{padding:44px 20px}}
.category{margin:42px 0 58px}.category>h2{font-size:27px}.card h3{margin:0 0 8px;line-height:1.5}.card h3 a{text-decoration:none;color:#20242a}.card h3 a:hover{color:#1769aa}.related li{margin:8px 0}ul{padding-left:1.4em}.article a:not(.button){text-underline-offset:3px}

/* October 2026 article layout */
html{scroll-behavior:smooth}body{overflow-wrap:anywhere}.header-inner{gap:20px;flex-wrap:wrap}.nav{display:flex;gap:18px;flex-wrap:wrap}.nav a{margin:0}.article h1{font-size:clamp(25px,4.5vw,36px)}.byline,.breadcrumb,.small{font-size:13px;color:#58616b}.source{overflow-wrap:anywhere}.table-wrap{overflow-x:auto;margin:22px 0;border:1px solid #dce3e9;border-radius:8px;scrollbar-gutter:stable}.table-wrap:focus-visible{outline:3px solid #1769aa}table{width:100%;border-collapse:collapse;font-size:14px;line-height:1.65;min-width:540px}caption{text-align:left;padding:14px 16px;background:#f1f5f8;font-weight:700}th,td{text-align:left;vertical-align:top;padding:13px;border-bottom:1px solid #dce3e9;border-right:1px solid #e5eaf0}thead th{background:#eaf0f6;color:#182f49}tbody th{font-weight:600;min-width:90px}tr:last-child td,tr:last-child th{border-bottom:0}.toc{background:#f5f8fb;border:1px solid #dfe7ef;padding:18px 22px;border-radius:10px;margin:30px 0}.toc p{margin:0}.toc li{margin:7px 0}.checklist li{margin:10px 0}.checklist li::marker{color:#d96d13}.calculator{margin:28px 0;padding:22px;background:#eef5fa;border:1px solid #c9dfef;border-radius:12px}.calculator form{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px}.calculator label{display:flex;flex-direction:column;gap:6px;font-size:14px;font-weight:600}.calculator input{width:100%;min-width:0;background:white;color:#20242a;border:1px solid #9bb5c9;border-radius:6px;padding:11px;font:inherit}.calculator button{border:0;cursor:pointer;grid-column:1/-1}.calculator output{grid-column:1/-1;background:#fff;border-radius:8px;padding:14px;min-height:50px}.formula{font-size:14px}.author-note{border-top:1px solid #dce3e9;margin-top:36px;padding-top:18px;font-size:13px;color:#58616b}.ad-label{font-size:13px;font-weight:700}.cta h2{font-size:23px}.skip{position:absolute;left:12px;top:-100px;z-index:10;background:white;padding:10px}.skip:focus{top:12px}.eyebrow{font-size:14px!important;letter-spacing:.12em}.start h2{margin-top:10px}.hero .button{font-size:16px}section[id],h2[id],span[id]{scroll-margin-top:20px}a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid #1769aa;outline-offset:3px}
@media(max-width:650px){.header-inner{padding:16px}.brand{font-size:18px}.nav{display:flex;font-size:12px;gap:14px}.nav a{font-size:12px}.container{padding:0 12px;margin:20px auto}.article{padding:24px 18px;border-radius:10px}.toc{padding:14px 17px}h2{margin-top:36px;font-size:23px}.calculator{padding:16px}.calculator form{grid-template-columns:1fr}.cta{padding:20px 16px}.cards{grid-template-columns:1fr}.hero{padding:40px 18px}.footer{padding:20px}.category>h2{font-size:24px}}
@media print{.site-header,.cta,.calculator,.toc,.skip{display:none}body{background:white}.article{box-shadow:none;padding:0}.container{max-width:none}.table-wrap{overflow:visible}table{min-width:0}a{color:inherit}.footer{font-size:11px}.hero{background:white;color:black}}

/* Keep short Japanese title phrases together without changing the heading text. */
.article-title{word-break:normal;overflow-wrap:normal;text-wrap:balance}
.article-title .title-chunk{display:inline-block;max-width:100%;overflow-wrap:anywhere;vertical-align:top}


/* 2026-10-19 Phase 1: reader paths, decision support, responsive accessibility */
.hero-secondary{display:inline-flex;color:#fff;text-decoration:underline;text-underline-offset:4px;margin-left:16px;font-weight:650}
.decision-guide{margin:22px 0 48px;padding:clamp(22px,4vw,38px);background:#fff;border:1px solid #dfe7ee;border-radius:18px;box-shadow:0 7px 30px rgba(19,34,56,.08)}
.guide-header h2{margin:4px 0 12px;border:0;padding:0;font-size:clamp(24px,3vw,32px)}.guide-header p{margin:0 0 12px}.section-kicker{letter-spacing:.11em;font-size:12px;color:#a45e10;font-weight:800}.guide-fields{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin:20px 0}.guide-fields label{display:flex;flex-direction:column;gap:8px;font-size:14px;font-weight:700;line-height:1.5}.guide-step{font-size:12px;color:#a45e10}.guide-fields select{appearance:auto;min-width:0;width:100%;min-height:49px;background:#fff;border:1px solid #9eacba;color:#20242a;border-radius:8px;padding:10px 11px;font:inherit;font-weight:400}.guide-submit{display:flex;align-items:center;gap:16px;flex-wrap:wrap}.guide-submit .button{border:0;cursor:pointer;min-height:48px;margin:0}.guide-result{margin-top:22px;border:1px solid #a3d1c6;background:#f1faf7;padding:22px;border-radius:12px}.guide-result:focus{outline:none}.guide-result h3{margin:4px 0 10px;font-size:24px}.result-eyebrow{margin:0;color:#206557;font-weight:800;font-size:13px}.guide-actions{display:flex;align-items:center;flex-wrap:wrap;gap:18px}.secondary-link{font-weight:700}.guide-result .button{background:#176c5b}.guide-result .small{color:#425c55}
.reader-outcome{background:#f3f8f8;border-left:4px solid #168d79;border-radius:0 8px 8px 0;padding:13px 18px;margin:20px 0}.reader-outcome p{margin:0}.decision-workbook{margin:40px 0 30px;border-top:1px solid #dce7e7;border-bottom:1px solid #dce7e7;padding:8px 0 24px}.decision-workbook h2{border-left:5px solid #168d79}.decision-steps{padding-left:1.5em}.decision-steps li{margin:12px 0}.decision-next{border-radius:8px;background:#eff5f8;padding:15px 18px;font-weight:600}.path-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:18px 0}.path-cards>div{padding:15px;background:#f4f7fa;border:1px solid #dee6ec;border-radius:9px}.path-cards h3{font-size:16px;margin:0 0 8px}.path-cards p{font-size:14px;margin:0}.organic-next{border:1px solid #dbe6ef;background:#f3f7fb;border-radius:8px;padding:16px 20px;margin:24px 0}
.article .toc{max-width:100%}.article .toc a{overflow-wrap:anywhere}.article .cta{max-width:100%}select:focus-visible{outline:3px solid #1769aa;outline-offset:3px}[hidden]{display:none!important}
@media(max-width:800px){.guide-fields{grid-template-columns:1fr}.path-cards{grid-template-columns:1fr}.guide-result h3{font-size:21px}}
@media(max-width:650px){.decision-guide{margin:20px 0 34px;padding:22px 16px;border-radius:12px}.guide-submit{align-items:stretch;flex-direction:column;gap:9px}.guide-submit .button,.guide-actions .button{width:100%;text-align:center}.guide-actions{align-items:stretch;flex-direction:column;gap:9px}.hero-secondary{display:block;margin:5px 0 0}.hero h1{overflow-wrap:normal}.guide-header h2{font-size:24px}.decision-workbook h2{font-size:22px}.reader-outcome{padding:12px 14px}.table-wrap{position:relative;overscroll-behavior-inline:contain;-webkit-overflow-scrolling:touch}.table-wrap:focus{outline:2px solid #1769aa}.table-wrap table{min-width:550px}.article .cta .button{max-width:100%;white-space:normal;overflow-wrap:anywhere}.article .toc{padding:16px 15px}.nav{gap:8px 15px}.nav a{display:inline-flex;min-height:36px;align-items:center}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
@media print{.decision-guide form,.guide-result{display:none}.decision-workbook{break-inside:avoid}}

/* Floating BM Franchise banner (only in five decision-oriented articles). */
.floating-affiliate{position:fixed;z-index:500;right:18px;bottom:calc(16px + env(safe-area-inset-bottom,0px));width:322px;max-width:calc(100vw - 24px);padding:5px 10px 12px;border-radius:12px;background:#fff;border:1px solid #d4dbe2;box-shadow:0 8px 32px rgba(14,30,45,.22);line-height:1.35;text-align:left;isolation:isolate}
.floating-affiliate__header{min-height:40px;display:flex;align-items:center;justify-content:space-between;gap:12px}
.floating-affiliate__label{font-size:12px;line-height:1.2;color:#44515e;font-weight:700;padding-left:2px}
.floating-affiliate__close{appearance:none;display:grid;place-items:center;flex:0 0 40px;width:40px;height:40px;margin:0 -4px 0 0;padding:0;border:0;border-radius:8px;background:#edf1f4;color:#203044;cursor:pointer;font:normal 26px/1 Arial,sans-serif}
.floating-affiliate__close:hover{background:#dae4ee}
.floating-affiliate__close:focus-visible{outline:3px solid #1769aa;outline-offset:2px}
.floating-affiliate__creative{display:flex;align-items:center;justify-content:center;min-height:250px}
.floating-affiliate__creative a{display:block;line-height:0;max-width:100%}
.floating-affiliate__creative a img{display:block;max-width:none} /* Preserve exact A8 banner dimensions. */
.floating-affiliate__creative>img[height="1"]{position:absolute;width:1px;height:1px;pointer-events:none}
.floating-affiliate[data-format="mobile"]{right:10px;bottom:calc(10px + env(safe-area-inset-bottom,0px));width:246px;padding:2px 10px 8px;border-radius:11px;box-shadow:0 5px 18px rgba(14,30,45,.19)}
.floating-affiliate[data-format="mobile"] .floating-affiliate__header{min-height:40px}
.floating-affiliate[data-format="mobile"] .floating-affiliate__creative{min-height:33px}
@media(max-width:360px){.floating-affiliate[data-format="mobile"]{right:8px;bottom:calc(8px + env(safe-area-inset-bottom,0px))}}
@media print{.floating-affiliate{display:none!important}}

/* 2026-10-25: intent-specific reading paths & affiliate preflight */
.contextual-next,.decision-paths{margin:26px 0;padding:20px 22px;border:1px solid #d5e3e4;border-left:4px solid #168d79;border-radius:10px;background:#f5faf9}
.contextual-next h3{font-size:18px;margin:0 0 9px}.contextual-next p:last-child{margin-bottom:0}
.affiliate-preflight{margin:18px 0;padding:17px 20px;background:rgba(255,255,255,.92);border:1px solid #c7d6e2;border-radius:9px;color:#26384b}
.affiliate-preflight p{font-size:14px;line-height:1.8;margin:0 0 10px}.affiliate-preflight p:last-child{margin-bottom:0}
.decision-paths h2{margin-top:9px}.decision-paths .path-cards>div{background:#fff}
.cta .button{display:inline-block;min-height:44px;max-width:100%;white-space:normal;overflow-wrap:anywhere;text-align:center}
@media(max-width:650px){.contextual-next,.decision-paths{padding:17px 15px}.affiliate-preflight{padding:15px}.cta .button{width:100%}}
@media print{.affiliate-preflight{border:1px solid #999}.decision-paths,.contextual-next{background:#fff}}

/* 2026-10-31: cleaning cluster supplemental pages */
.contract-checks{padding-left:1.8rem}.contract-checks li{padding:7px 0;border-bottom:1px solid #e2e8ef}.contract-checks label{display:block;cursor:pointer}.contract-checks input{width:18px;height:18px;vertical-align:middle;accent-color:#145781}.check-print{font:inherit;background:#1769aa;color:#fff;border:0;border-radius:8px;padding:12px 16px;cursor:pointer}.check-print:focus-visible{outline:3px solid #e18b24;outline-offset:3px} .table-wrap{max-width:100%;overflow-x:auto} @media print{.site-header,.nav,.cta,.check-print,.footer{display:none!important}.article{box-shadow:none;padding:0}.contract-checks input{-webkit-print-color-adjust:exact;print-color-adjust:exact}}

/* 2026-11-02 brand clarity: recognizable icon in every header */
.site-header .brand{display:inline-flex;align-items:center;gap:10px;line-height:1.35}
.site-header .brand-logo{display:block;flex:none;width:36px;height:36px;border-radius:9px;object-fit:cover}
@media(max-width:650px){.site-header .brand{gap:9px}.site-header .brand-logo{width:32px;height:32px;border-radius:8px}}