:root{
  --ink:#0e0f0c; --muted:#454745; --white:#fff;
  --deep:#163300; --lime:#9fe870; --lime-soft:#e2f8d4; --tint:#ecefeb;
  --line:rgba(14,15,12,.12); --field:#868685; --warn:#b3261e;
  --r-card:32px; --r-field:10px; --r-pill:9999px;
  color-scheme:light;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--white);color:var(--ink);font-family:"Hiragino Sans","Noto Sans JP","Yu Gothic UI",system-ui,sans-serif;font-size:16px;line-height:1.7;font-weight:400;overflow-wrap:anywhere;word-break:auto-phrase}
.wrap{max-width:584px;margin:0 auto;padding:0 16px}
a{color:var(--deep);text-underline-offset:3px}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid var(--ink);outline-offset:2px}
.band-dark a:focus-visible,.foot a:focus-visible{outline-color:#fff}
.top{padding:12px 0}
.brand{display:inline-block;min-height:48px;line-height:48px;font-weight:700;font-size:18px;color:var(--ink);text-decoration:none}
.brand svg{vertical-align:-6px;margin-right:8px}
.band-dark{background:var(--deep);color:#e8ebe6}
.top.band-dark{padding:12px 0 0}
.band-tool{padding:0 0 32px}
.band-dark .brand{color:#fff}
.hero{padding:8px 0 24px}
h1{font-size:32px;line-height:1.4;font-weight:700;margin:0 0 12px}
.band-dark h1{color:#fff}
.lead{margin:0 0 16px;font-size:16px}
.pills{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px}
.pills li{display:inline-block;line-height:24px;padding:4px 14px;border-radius:var(--r-pill);background:#315716;color:var(--lime);font-size:14px;font-weight:600}
.card{background:var(--white);border-radius:var(--r-card);padding:24px 20px;margin:0 0 20px;color:var(--ink)}
.band-dark .card:last-child{margin-bottom:0}
.card{border:1px solid var(--line)}
.band-dark .card{border:0}
h2{font-size:32px;line-height:1.35;font-weight:700;margin:0}
h2 + *{margin-top:16px}
.card>h2:first-child,.card>.sr + noscript + h2,.result h2{margin-top:0}
.card h2.step{font-size:24px;line-height:1.4;margin:32px 0 0}
.card h2.step.first{margin-top:0}
.card h2.step + *{margin-top:12px}
.card h2.step + .note{margin-top:8px}
.num{display:inline-block;width:28px;height:28px;line-height:28px;border-radius:50%;background:var(--deep);color:var(--lime);text-align:center;font-size:14px;font-weight:700;margin-right:10px;vertical-align:2px}
h3{font-size:22px;line-height:1.4;font-weight:700;margin:32px 0 8px}
p{margin:0 0 16px}
label.lbl,.lbl{display:block;font-size:14px;font-weight:600;color:var(--ink);margin:0 0 6px}
input,select,button{font:inherit}
input[type=text],select{width:100%;min-height:56px;border:0;box-shadow:inset 0 0 0 1px var(--field);border-radius:var(--r-field);padding:0 16px;background:#fff;color:var(--ink);font-size:16px;transition:box-shadow .15s ease-in-out}
input[type=text]:hover,select:hover{box-shadow:inset 0 0 0 2px var(--ink)}
.money{position:relative}
.money input{min-height:72px;padding-left:40px;font-size:22px;font-weight:600}
.money span{position:absolute;left:16px;top:0;line-height:72px;font-size:22px;font-weight:600;color:var(--muted);pointer-events:none}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 4px}
.chip{min-height:48px;padding:0 18px;border-radius:var(--r-pill);border:0;background:var(--tint);color:var(--ink);font-size:16px;font-weight:600;cursor:pointer;transition:background-color .15s ease-in-out,color .15s ease-in-out}
.chip:hover{background:#dfe3dc}
.chip[aria-pressed=true]{background:var(--deep);color:#fff}
.chip[aria-pressed=true]::before{content:"✓ "}
.chip.add{background:var(--lime-soft);color:var(--deep)}
.chip.add:hover{background:#d3f2bf}
.chip.add::before{content:"＋ "}
.group{margin:0 0 16px}
.rows{list-style:none;margin:0 0 12px;padding:0}
.row{padding:16px 0;border-top:1px solid var(--line)}
.row:first-child{border-top:0;padding-top:0}
.row-head{display:grid;grid-template-columns:1fr 48px;gap:8px;align-items:center;margin:0 0 8px}
.row-head input{font-weight:600}
.del{width:48px;height:48px;border-radius:50%;border:0;background:transparent;color:var(--muted);font-size:22px;cursor:pointer;transition:background-color .15s ease-in-out}
.del:hover{background:var(--tint)}
.steppers{display:flex;gap:16px;flex-wrap:wrap}
.stp-wrap{flex:0 0 auto}
.stp{display:grid;grid-template-columns:48px 44px 48px;align-items:center}
.stp button{width:48px;height:48px;border-radius:50%;border:0;background:var(--tint);color:var(--ink);font-size:22px;font-weight:600;cursor:pointer;transition:background-color .15s ease-in-out}
.stp button:hover{background:#dfe3dc}
.stp button:active{background:var(--lime)}
.stp input[type=text]{width:44px;min-height:48px;padding:0;text-align:center;font-weight:600;box-shadow:none;border-radius:0;background:transparent}
.btn{display:block;width:100%;min-height:52px;border:0;border-radius:var(--r-pill);background:var(--deep);color:#fff;font-size:16px;font-weight:600;cursor:pointer;text-align:center;text-decoration:none;line-height:52px;padding:0 20px;transition:background-color .15s ease-in-out,color .15s ease-in-out}
.btn:hover{background:#244a07}
.btn:disabled,.btn[aria-disabled=true]{opacity:.4;cursor:not-allowed}
.btn.sub{background:var(--tint);color:var(--ink)}
.btn.sub:hover{background:#dfe3dc}
.btns{display:grid;gap:12px;margin:16px 0 0}
.result{background:var(--lime);color:var(--deep);border-radius:var(--r-card);padding:24px 20px;margin:20px 0 0}
.result a,.result .btn.sub{color:var(--deep)}
.result .btn.sub{background:rgba(255,255,255,.6)}
.result .btn.sub:hover{background:rgba(255,255,255,.85)}
.result .btn:hover{background:#244a07}
.result .btn.sub:hover{color:var(--deep)}
.sum-note{font-size:14px;margin:0 0 12px}
.lines{list-style:none;margin:0;padding:0}
.lines li{display:grid;grid-template-columns:1fr auto;gap:4px 12px;align-items:baseline;padding:14px 0;border-top:1px solid rgba(22,51,0,.2)}
.lines li:first-child{border-top:0}
.l-name{font-weight:600}
.l-sub{display:block;font-size:14px;font-weight:400}
.l-amt{font-size:28px;line-height:1.3;font-weight:700;text-align:right}
.l-amt small{font-size:14px;font-weight:400}
.l-tot{grid-column:1/-1;text-align:right;font-size:14px}
.check{margin:12px 0 0;padding:12px 16px;border-radius:16px;background:rgba(255,255,255,.6);color:var(--ink);font-size:15px}
.check.warn{background:#fff;color:var(--warn)}
.check b{font-weight:700}
.status{margin:12px 0 0;font-size:15px;font-weight:600;color:var(--deep)}
.note{font-size:14px;color:var(--muted)}
.err{color:var(--warn);font-weight:700}
.result .err{color:var(--deep)}
.band{padding:48px 0}
.band.alt{background:var(--tint)}
.band h2 + p{margin-top:16px}
.band-ol{list-style:none;margin:24px 0 0;padding:0;display:grid;gap:24px;counter-reset:st}
.band-ol li{position:relative;padding-left:60px;counter-increment:st}
.band-ol li::before{content:counter(st);position:absolute;left:0;top:0;width:44px;height:44px;line-height:44px;border-radius:50%;background:var(--deep);color:var(--lime);text-align:center;font-size:20px;font-weight:700}
.band-ol h3{margin:0 0 4px;font-size:22px}
.band-ol p{margin:0;color:var(--muted)}
table{border-collapse:collapse;width:100%;margin:0 0 16px;font-size:15px}
caption{text-align:left;font-size:14px;color:var(--muted);padding-bottom:8px}
th,td{border-bottom:1px solid var(--line);padding:14px 8px;text-align:left;vertical-align:top;background:transparent}
thead th{font-size:14px;color:var(--muted);font-weight:600}
tbody th,tfoot th{font-weight:600}
tfoot td,tfoot th{border-bottom:0;font-weight:700}
td.n,th.n{text-align:right;white-space:nowrap}
.tw{overflow-x:auto}
.tw:focus-visible{outline:3px solid var(--ink)}
.faq h3:first-of-type{margin-top:24px}
.prose{padding:24px 20px}
.prose h2{font-size:24px;line-height:1.4;margin:32px 0 0}
.prose h2:first-child{margin-top:0}
main > h1{margin:16px 0}
.foot{background:var(--deep);color:#e8ebe6;padding:32px 0 40px;font-size:14px}
.foot a{color:#fff}
.foot nav a{display:inline-block;min-height:48px;line-height:48px;margin-right:20px}
.foot p{margin:0 0 8px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
@media (min-width:768px){
  .wrap{padding:0 24px;max-width:600px}
  h1{font-size:44px}
  h2{font-size:36px}
  .card,.result,.prose{padding:32px}
  .btns{grid-template-columns:1fr 1fr}
  .band{padding:64px 0}
}
@media (max-width:359px){h2{font-size:28px}.pt{font-size:28px}}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}
/* ほかの計算ツール（J23・手本＝NerdWallet「More mortgage tools」型：下部・見出し＋縦積みカード・gap8・右にシェブロン） */
.related-list{list-style:none;margin:16px 0 0;padding:0;display:grid;gap:8px}
.related-card{display:flex;align-items:center;gap:12px;min-height:72px;padding:12px 24px;border-radius:var(--r-card);background:var(--tint);color:var(--ink);text-decoration:none;transition:background-color .15s ease-in-out}
.related-card:hover{background:#dfe3dc}
.related-card:focus-visible{outline:3px solid var(--ink);outline-offset:2px}
.rc-body{display:block;flex:1;min-width:0}
.rc-name{display:block;font-size:16px;line-height:1.5;font-weight:700}
.rc-desc{display:block;font-size:14px;line-height:1.5;color:var(--muted)}
.rc-arr{flex:0 0 auto;font-size:28px;line-height:1;color:var(--deep)}