
:root{--bg:#f7f8fa;--surface:#fff;--text:#17202a;--muted:#5e6a77;--line:#dfe4ea;--accent:#176b5b;--accent-dark:#0e5144;--accent-soft:#e8f3f0;--warn:#a04410;--warn-bg:#fff5eb;--danger:#8a2830;--danger-bg:#fff0f1;--shadow:0 12px 34px rgba(22,32,42,.08);--radius:18px;--content:1120px;--reading:760px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:76px}body{margin:0;background:var(--bg);color:var(--text);font-family:-apple-system,BlinkMacSystemFont,"Hiragino Sans","Yu Gothic UI","Yu Gothic",Meiryo,sans-serif;font-size:16px;line-height:1.85;-webkit-font-smoothing:antialiased}img,svg{max-width:100%;height:auto}a{color:var(--accent-dark);text-underline-offset:3px}a:hover{text-decoration-thickness:2px}button,input,select{font:inherit}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link{position:fixed;top:8px;left:8px;z-index:1000;padding:10px 14px;background:#111;color:#fff;border-radius:8px;transform:translateY(-150%)}.skip-link:focus{transform:translateY(0)}.reading-progress{position:fixed;top:0;left:0;right:0;height:3px;z-index:1001;background:transparent}.reading-progress span{display:block;width:0;height:100%;background:var(--accent)}.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.94);border-bottom:1px solid var(--line);backdrop-filter:blur(14px)}.header-inner{max-width:var(--content);min-height:64px;margin:auto;padding:0 16px;display:flex;align-items:center;justify-content:space-between;gap:16px}.site-logo{color:var(--text);font-weight:800;text-decoration:none;letter-spacing:-.03em;font-size:18px}.site-logo span{color:var(--accent)}.menu-button{width:44px;height:44px;border:1px solid var(--line);border-radius:12px;background:#fff;display:grid;place-content:center;gap:5px}.menu-button span:not(.sr-only){display:block;width:20px;height:2px;background:var(--text)}.site-nav{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:10px 16px 16px;box-shadow:var(--shadow)}.site-nav.open{display:grid}.site-nav a{padding:10px 8px;text-decoration:none;font-weight:700;border-bottom:1px solid var(--line)}.content-width{width:min(calc(100% - 32px),var(--content));margin-inline:auto}.breadcrumbs{width:min(calc(100% - 32px),var(--content));margin:18px auto 0;color:var(--muted);font-size:13px;display:flex;gap:8px;overflow-wrap:anywhere}.hero{padding:42px 0 34px}.eyebrow{margin:0 0 8px;color:var(--accent);font-size:13px;font-weight:800;letter-spacing:.08em;text-transform:uppercase}.hero h1{margin:0;font-size:clamp(34px,10vw,68px);line-height:1.12;letter-spacing:-.05em}.hero h1 span{color:var(--accent)}.hero-lead{font-size:18px;line-height:1.8;margin:22px 0 0;max-width:820px}.hero-meta{display:flex;gap:8px;flex-wrap:wrap;margin:22px 0}.hero-meta span,.score-chip{padding:5px 10px;border-radius:999px;background:var(--accent-soft);color:var(--accent-dark);font-size:13px;font-weight:800}.hero-actions,.broker-actions,.alert-links,.source-links{display:flex;flex-wrap:wrap;gap:10px}.button{min-height:48px;padding:11px 17px;border-radius:12px;display:inline-flex;align-items:center;justify-content:center;gap:8px;text-decoration:none;font-weight:800;border:1px solid transparent;line-height:1.3}.button-primary{background:var(--accent);color:#fff}.button-primary:hover{background:var(--accent-dark)}.button-secondary{background:#fff;color:var(--text);border-color:var(--line)}.disclosure,.micro-note{font-size:13px;color:var(--muted);overflow-wrap:anywhere}.alert-section{display:grid;grid-template-columns:40px 1fr;gap:14px;background:var(--warn-bg);border:1px solid #f1c69e;border-left:5px solid var(--warn);border-radius:var(--radius);padding:20px}.alert-icon{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--warn);color:#fff;font-weight:900}.alert-section h2{font-size:20px;line-height:1.4;margin:0 0 8px}.alert-section p{margin:0 0 12px}.alert-links a,.source-links a{font-weight:800}.content-section{padding:58px 0;border-bottom:1px solid var(--line)}.section-heading{margin-bottom:22px}.section-heading h2{margin:0;font-size:clamp(27px,7vw,42px);line-height:1.3;letter-spacing:-.035em}.section-heading>p:last-child{color:var(--muted)}.intro-section>p,.longform>p,.longform>h3,.longform>ul,.longform>ol,.source-section>p,.editorial-policy>p,.editorial-policy>ul{max-width:var(--reading)}.quick-ranking{display:grid;gap:10px;margin-top:28px}.quick-rank-card{display:grid;grid-template-columns:44px 1fr auto;align-items:center;gap:12px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px}.quick-rank-number{width:42px;height:42px;border-radius:12px;background:var(--accent);color:#fff;display:grid;place-items:center;font-size:20px;font-weight:900}.quick-rank-body h3{margin:0}.quick-rank-body p{margin:2px 0;font-size:14px;color:var(--muted)}.quick-meta{display:flex;flex-wrap:wrap;gap:6px}.quick-meta span{font-size:12px;background:var(--bg);padding:3px 7px;border-radius:7px}.text-link{font-weight:800}.filter-panel{margin-top:22px;background:#17202a;color:#fff;border-radius:var(--radius);padding:24px}.filter-panel .eyebrow{color:#91dacd}.filter-panel h2{margin:0}.filter-panel p{color:#d7dee5}.filter-controls{display:grid;gap:12px;margin-top:18px}.filter-controls label{font-size:13px;font-weight:800}.filter-controls input,.filter-controls select{width:100%;min-height:48px;margin-top:6px;padding:10px 12px;border:1px solid #68737d;border-radius:10px;background:#fff;color:#111}.filter-status{margin:12px 0 0!important;font-size:13px}.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:14px;background:#fff}.table-scroll:focus{outline:3px solid rgba(23,107,91,.25)}table{border-collapse:collapse;min-width:980px;width:100%;font-size:14px}th,td{text-align:left;vertical-align:top;padding:14px;border-bottom:1px solid var(--line)}thead th{background:#eff3f3;white-space:nowrap}tbody th{position:sticky;left:0;background:#fff;z-index:1;min-width:170px}tbody tr:hover td,tbody tr:hover th{background:#f8fbfa}.table-scroll .button{min-height:40px;padding:8px 12px}.table-note,.practical-box,.formula-box{margin-top:14px;padding:16px;border-radius:12px;background:var(--accent-soft);border:1px solid #cce1dc}.method-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:24px 0}.method-grid div{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px;display:flex;align-items:baseline;gap:8px}.method-grid strong{font-size:28px;color:var(--accent)}.method-grid span{font-weight:800}.ranking-main-heading{padding-top:70px}.broker-review{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px;margin-bottom:22px}.broker-review[hidden]{display:none}.broker-heading{display:grid;grid-template-columns:58px 1fr;gap:14px;align-items:start}.rank-badge{width:56px;height:64px;border-radius:14px;background:var(--text);color:#fff;display:flex;align-items:baseline;justify-content:center;gap:1px;padding-top:10px}.rank-badge span{font-size:10px}.rank-badge strong{font-size:28px}.broker-heading h2{font-size:clamp(25px,7vw,38px)}.broker-fit{margin:4px 0 0;color:var(--muted)}.score-meter{height:7px;background:#e6ebed;border-radius:99px;overflow:hidden}.score-meter span{display:block;height:100%;background:var(--accent);border-radius:99px}.review-lead{font-size:17px}.facts-grid{display:grid;gap:8px;margin:22px 0}.facts-grid div{padding:14px;background:var(--bg);border-radius:12px}.facts-grid span{display:block;font-size:12px;color:var(--muted);font-weight:800}.facts-grid strong{display:block;margin-top:3px;line-height:1.55}.two-column{display:grid;gap:12px}.point-box{border-radius:14px;padding:18px}.point-box h3{margin:0 0 8px;font-size:18px}.point-box ul{margin:0;padding-left:1.2em}.point-box li+li{margin-top:8px}.point-box.good{background:var(--accent-soft);border:1px solid #cce1dc}.point-box.caution{background:var(--danger-bg);border:1px solid #efc9cd}.practical-box h3{margin:0}.broker-actions{margin-top:18px}.micro-note code{white-space:normal;overflow-wrap:anywhere}.criterion{max-width:var(--reading);padding:22px 0;border-top:1px solid var(--line)}.criterion h3,.longform h3{font-size:22px;line-height:1.45;margin:24px 0 8px}.compact-table{min-width:720px}.formula-box strong{font-size:18px}.steps-list{padding:0;list-style:none;counter-reset:steps}.steps-list li{counter-increment:steps;position:relative;padding:0 0 24px 52px}.steps-list li:before{content:counter(steps);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:50%;background:var(--accent);color:#fff;display:grid;place-items:center;font-weight:900}.steps-list strong{font-size:18px}.steps-list p{margin:4px 0}.check-grid,.platform-grid{display:grid;gap:12px}.check-grid>div,.platform-grid article{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px}.check-grid h3,.platform-grid h3{margin:0 0 8px}.check-grid ul{margin:0;padding-left:1.2em}.faq-list{display:grid;gap:10px}.faq-item{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden}.faq-item summary{cursor:pointer;list-style:none;padding:17px;font-weight:800;display:flex;align-items:flex-start;gap:10px}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary span{flex:0 0 auto;color:var(--accent)}.faq-item summary:after{content:'＋';margin-left:auto}.faq-item[open] summary:after{content:'−'}.faq-answer{padding:0 17px 17px;color:#34404c}.faq-answer p{margin:0}.source-list{columns:1;padding-left:1.3em}.source-list li{break-inside:avoid;margin-bottom:8px;overflow-wrap:anywhere}.editorial-policy{background:#eef2f4;border-radius:var(--radius);padding-inline:20px;margin-top:40px}.final-summary{margin-block:50px;background:var(--text);color:#fff;border-radius:var(--radius);padding:30px}.final-summary .eyebrow{color:#91dacd}.final-summary h2{font-size:clamp(27px,7vw,42px);margin:0}.site-footer{background:#0f151a;color:#d8dfe5;padding:42px 0 110px}.site-footer strong{color:#fff;font-size:20px}.site-footer nav{display:flex;flex-wrap:wrap;gap:12px;margin:20px 0}.site-footer a{color:#fff}.footer-risk{padding:16px;border:1px solid #48525b;border-radius:12px}.mobile-dock{position:fixed;z-index:99;left:10px;right:10px;bottom:calc(10px + env(safe-area-inset-bottom));height:58px;background:rgba(18,27,34,.96);border-radius:16px;display:grid;grid-template-columns:repeat(4,1fr);box-shadow:0 12px 35px rgba(0,0,0,.28);overflow:hidden}.mobile-dock a{color:#fff;text-decoration:none;display:grid;place-items:center;font-size:12px;font-weight:800}.mobile-dock a+a{border-left:1px solid #37414a}.back-to-top{position:fixed;right:16px;bottom:84px;width:44px;height:44px;border:0;border-radius:50%;background:var(--accent);color:#fff;font-size:20px;box-shadow:var(--shadow);opacity:0;pointer-events:none;transition:.2s}.back-to-top.show{opacity:1;pointer-events:auto}.no-results{padding:30px;background:#fff;border:1px dashed var(--line);border-radius:14px;text-align:center;font-weight:800}

.site-brand{display:grid;gap:1px;min-width:0;line-height:1.25}.site-operator{color:var(--muted);font-size:10px;font-weight:700;letter-spacing:.02em;white-space:nowrap}.article-byline{display:flex;flex-wrap:wrap;align-items:center;gap:3px 8px;width:fit-content;max-width:100%;margin:0 0 20px;padding:9px 12px;border-left:3px solid var(--accent);border-radius:0 10px 10px 0;background:#fff;color:var(--muted);font-size:13px;line-height:1.55}.article-byline strong{color:var(--text)}.operator-card{margin:0 0 28px;padding:20px;background:#fff;border:1px solid var(--line);border-radius:14px}.operator-card-heading h3{margin:0;font-size:clamp(21px,5vw,27px);line-height:1.45}.operator-card-heading>p:last-child{margin:8px 0 0;color:#34404c}.operator-grid{display:grid;margin:18px 0 0;border-top:1px solid var(--line)}.operator-grid>div{display:grid;grid-template-columns:92px minmax(0,1fr);gap:12px;padding:12px 0;border-bottom:1px solid var(--line)}.operator-grid dt{color:var(--muted);font-size:13px;font-weight:800}.operator-grid dd{min-width:0;margin:0;font-weight:800;overflow-wrap:anywhere}.editorial-rules-title{max-width:var(--reading);margin:30px 0 8px;font-size:22px}.footer-operator{margin:.15em 0!important;color:#fff!important;font-weight:800}.site-footer>div>div>p:last-child{margin-top:.2em}
@media(min-width:640px){.operator-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:0 28px}.facts-grid{grid-template-columns:repeat(2,1fr)}.method-grid{grid-template-columns:repeat(4,1fr)}.check-grid{grid-template-columns:repeat(3,1fr)}.platform-grid{grid-template-columns:repeat(2,1fr)}.source-list{columns:2}.broker-review{padding:30px}}
@media(min-width:900px){body{font-size:17px}.menu-button{display:none}.site-nav{display:flex;position:static;padding:0;background:transparent;border:0;box-shadow:none;gap:24px}.site-nav a{border:0;padding:8px 0;font-size:14px}.hero{padding:70px 0 50px}.hero-lead{font-size:21px}.quick-ranking{grid-template-columns:repeat(5,1fr)}.quick-rank-card{grid-template-columns:1fr;align-content:start}.quick-rank-number{width:48px}.quick-rank-card>.text-link{margin-top:auto}.filter-panel{display:grid;grid-template-columns:1fr 1.5fr;gap:28px;align-items:end}.filter-controls{grid-template-columns:1.5fr 1fr 1fr;margin:0}.filter-status{grid-column:2}.two-column{grid-template-columns:1fr 1fr}.facts-grid{grid-template-columns:repeat(4,1fr)}.broker-review{padding:38px}.platform-grid{grid-template-columns:repeat(5,1fr)}.mobile-dock{display:none}.site-footer{padding-bottom:42px}.back-to-top{bottom:24px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
@media print{.site-header,.mobile-dock,.back-to-top,.reading-progress,.hero-actions,.broker-actions,.menu-button{display:none!important}body{background:#fff;color:#000}.broker-review{box-shadow:none;break-inside:avoid}.content-section{padding:24px 0}.table-scroll{overflow:visible}table{min-width:0;font-size:10px}}

.purpose-grid{display:grid;gap:14px}.purpose-grid article{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px}.purpose-grid h3{margin:0 0 8px}.purpose-grid p{margin:0}.mistake-list{list-style:none;padding:0;counter-reset:mistakes;max-width:var(--reading)}.mistake-list li{counter-increment:mistakes;position:relative;padding:20px 18px 20px 64px;background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:12px}.mistake-list li:before{content:counter(mistakes);position:absolute;left:18px;top:20px;width:32px;height:32px;border-radius:10px;background:var(--danger-bg);color:var(--danger);display:grid;place-items:center;font-weight:900}.mistake-list h3{margin:0 0 6px;font-size:19px}.mistake-list p{margin:0}.glossary-list{display:grid;gap:10px;max-width:var(--content)}.glossary-list>div{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px}.glossary-list dt{font-size:18px;font-weight:900;color:var(--accent-dark)}.glossary-list dd{margin:6px 0 0;color:#34404c}@media(min-width:760px){.purpose-grid{grid-template-columns:repeat(2,1fr)}.glossary-list{grid-template-columns:repeat(2,1fr)}}
.capital-grid article p+p{margin-top:12px}.audit-list{list-style:none;padding:0;max-width:var(--reading);counter-reset:audit}.audit-list li{counter-increment:audit;position:relative;padding:22px 18px 22px 64px;background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:12px}.audit-list li:before{content:counter(audit);position:absolute;left:18px;top:22px;width:32px;height:32px;border-radius:50%;background:var(--accent);color:#fff;display:grid;place-items:center;font-weight:900}.audit-list h3{margin:0 0 6px;font-size:19px}.audit-list p{margin:0}.switching-grid>div p{margin:0}.redflag-grid{display:grid;gap:14px}.redflag-grid article{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px}.redflag-grid h3{margin:0 0 8px;font-size:20px}.redflag-grid p{margin:0}@media(min-width:760px){.redflag-grid{grid-template-columns:repeat(2,1fr)}}
