:root{--navy:#102a43;--navy-2:#173f5f;--red:#c6203f;--red-dark:#9d1530;--coral:#ee695e;--cream:#fff8ed;--sand:#f1e4d0;--sky:#e8f3f7;--mint:#e8f4ef;--ink:#182634;--muted:#5d6975;--line:#dbe2e7;--white:#fff;--shadow:0 18px 50px rgba(16,42,67,.12);--radius:24px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:96px;overflow-x:clip}body{margin:0;overflow-x:clip;background:var(--white);color:var(--ink);font-family:"Hiragino Kaku Gothic ProN","Yu Gothic","Meiryo",sans-serif;font-feature-settings:"palt" 1;line-height:1.75;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}img{display:block;max-width:100%}p,h1,h2,h3{margin-top:0}.docomo-bank-shell h1,.docomo-bank-shell h2,.docomo-bank-shell h3,.docomo-bank-shell h4,.docomo-bank-shell h5,.docomo-bank-shell h6{margin:0;padding:0;border:0;background:0 0;box-shadow:none}.docomo-bank-shell h1:before,.docomo-bank-shell h1:after,.docomo-bank-shell h2:before,.docomo-bank-shell h2:after,.docomo-bank-shell h3:before,.docomo-bank-shell h3:after,.docomo-bank-shell h4:before,.docomo-bank-shell h4:after,.docomo-bank-shell h5:before,.docomo-bank-shell h5:after,.docomo-bank-shell h6:before,.docomo-bank-shell h6:after{content:none;position:static;inset:auto;width:auto;height:auto;border:0;background:0 0;box-shadow:none}.docomo-bank-shell ul,.docomo-bank-shell ol{margin:0;padding:0;list-style:none}.docomo-bank-shell li{margin:0;padding:0}.container{width:min(1120px, calc(100% - 40px));margin-inline:auto}.skip-link{position:fixed;z-index:999;top:12px;left:12px;padding:10px 16px;border-radius:8px;background:var(--navy);color:var(--white);transform:translateY(-160%)}.skip-link:focus{transform:translateY(0)}.visually-hidden{position:absolute !important;width:1px !important;height:1px !important;padding:0 !important;overflow:hidden !important;clip:rect(0,0,0,0) !important;white-space:nowrap !important;border:0 !important}.site-header{position:sticky;z-index:50;top:0;border-bottom:1px solid rgba(16,42,67,.08);background:rgba(255,255,255,.95);backdrop-filter:blur(14px)}.header-inner{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.header-brand-area{display:flex;align-items:center;gap:22px}.site-brand{display:inline-flex;align-items:center;gap:12px;color:var(--navy);font-weight:900;font-size:19px;letter-spacing:.02em}.header-updated{position:relative;display:grid;gap:1px;padding-left:22px;color:var(--navy);line-height:1.35;white-space:nowrap}.header-updated:before{content:"";position:absolute;top:3px;bottom:3px;left:0;width:1px;background:var(--line)}.header-updated small{color:var(--muted);font-size:9px;font-weight:700;letter-spacing:.08em}.header-updated time{font-size:12px;font-weight:900}.site-brand small{display:block;margin-bottom:-2px;color:var(--muted);font-size:10px;font-weight:600;letter-spacing:.08em}.docomo-bank-shell .site-brand small{font-size:10px;line-height:1.2;white-space:nowrap}.brand-mark{width:42px;height:42px;flex:0 0 auto;display:grid;place-items:center;border-radius:14px 14px 14px 4px;background:var(--red);color:var(--white);font-size:22px;font-weight:900;line-height:1;transform:rotate(-3deg)}.brand-favicon{width:42px;height:42px;flex:0 0 auto;border:1px solid rgba(16,42,67,.1);border-radius:13px;background:var(--white);object-fit:cover;box-shadow:0 5px 14px rgba(16,42,67,.12)}nav{display:flex;align-items:center;gap:30px;color:#30465a;font-size:14px;font-weight:700}nav a{position:relative;padding-block:24px}nav a:after{content:"";position:absolute;right:0;bottom:16px;left:0;height:2px;border-radius:9px;background:var(--red);transform:scaleX(0);transition:transform .18s ease}nav a:hover:after,nav a:focus-visible:after{transform:scaleX(1)}.hero{position:relative;overflow:hidden;padding:76px 0 0;background:radial-gradient(circle at 84% 18%,rgba(232,243,247,.95) 0 18%,transparent 18.3%),linear-gradient(115deg,var(--cream) 0 62%,#f8eee2 62% 100%)}.hero:before,.hero:after{content:"";position:absolute;border-radius:50%;pointer-events:none}.hero:before{width:270px;height:270px;right:-80px;top:-110px;border:44px solid rgba(198,32,63,.07)}.hero:after{width:160px;height:160px;left:-88px;bottom:30px;background:rgba(238,105,94,.08)}.hero-grid{position:relative;z-index:1;min-height:540px;display:grid;grid-template-columns:.94fr 1.06fr;align-items:center;gap:34px}.hero-copy{padding-bottom:74px}.eyebrow,.section-kicker{margin-bottom:14px;color:var(--red);font-size:13px;font-weight:900;letter-spacing:.14em;text-transform:uppercase}.eyebrow{display:inline-flex;align-items:center;gap:8px;padding:6px 13px;border:1px solid rgba(198,32,63,.25);border-radius:999px;background:rgba(255,255,255,.7);letter-spacing:.08em}.eyebrow:before{content:"";width:7px;height:7px;border-radius:50%;background:var(--red);box-shadow:0 0 0 4px rgba(198,32,63,.12)}.hero h1{margin-bottom:22px;color:var(--navy);font-size:clamp(42px, 5vw, 68px);line-height:1.16;letter-spacing:-.055em;font-weight:900}.hero h1 span{display:block;color:var(--red);font-size:.64em;letter-spacing:-.03em}.hero-lead{max-width:590px;margin-bottom:30px;color:#455666;font-size:17px;font-weight:500}.button{min-height:54px;display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 24px;border:2px solid transparent;border-radius:14px;font-size:15px;font-weight:900;letter-spacing:.01em;transition:transform .16s ease,box-shadow .16s ease,background .16s ease}.button:hover,.button:focus-visible{transform:translateY(-2px)}.button-primary{background:var(--red);color:var(--white);box-shadow:0 10px 24px rgba(198,32,63,.23)}.button-primary:hover,.button-primary:focus-visible{background:var(--red-dark);box-shadow:0 14px 28px rgba(198,32,63,.3)}.button-secondary{border-color:rgba(16,42,67,.16);background:rgba(255,255,255,.65);color:var(--navy)}.verified-note{margin:18px 0 0;color:var(--muted);font-size:12px;font-weight:700}.verified-note span{width:19px;height:19px;display:inline-grid;place-items:center;margin-right:5px;border-radius:50%;background:var(--mint);color:#277457}.hero-dialogue{position:relative;align-self:center;display:grid;gap:34px;padding:44px 0}.hero-dialogue:before{content:"";position:absolute;width:460px;height:360px;right:5px;top:50%;border-radius:50% 48% 45% 52%;background:var(--sky);transform:translateY(-50%) rotate(-4deg)}.dialogue-row{position:relative;z-index:2;display:flex;align-items:center;gap:18px}.dialogue-dog{justify-content:flex-end}.character-avatar{width:112px;flex:0 0 auto;margin:0;text-align:center}.character-avatar img{width:112px;height:112px;border:5px solid var(--white);border-radius:50%;object-fit:cover;box-shadow:0 11px 25px rgba(16,42,67,.18)}.character-avatar figcaption{margin-top:6px;color:var(--navy);font-size:11px;font-weight:900}.dialogue-bubble{position:relative;max-width:380px;padding:20px 24px;border-radius:20px;box-shadow:5px 7px 0 rgba(16,42,67,.08)}.dialogue-bubble p{margin:0;color:var(--navy);font-size:16px;font-weight:900;line-height:1.5}.dialogue-question{background:#98d0ed;border-radius:20px 20px 20px 4px}.dialogue-question:before{content:"";position:absolute;left:-14px;bottom:20px;border-top:11px solid transparent;border-right:17px solid #98d0ed;border-bottom:11px solid transparent}.dialogue-answer{background:#f5bebd;border-radius:20px 20px 20px 4px}.dialogue-answer:after{content:"";position:absolute;right:-14px;bottom:20px;border-top:11px solid transparent;border-bottom:11px solid transparent;border-left:17px solid #f5bebd}.quick-facts{position:relative;z-index:5;display:grid;grid-template-columns:repeat(4,1fr);border:1px solid rgba(16,42,67,.1);border-radius:22px 22px 0 0;background:var(--white);box-shadow:0 -6px 28px rgba(16,42,67,.07)}.quick-facts>div{min-height:100px;display:flex;align-items:center;gap:13px;padding:20px 22px}.quick-facts>div+div{border-left:1px solid var(--line)}.fact-icon{position:relative;width:46px;height:46px;flex:0 0 auto;display:grid;place-items:center;overflow:hidden;border:1px solid rgba(16,42,67,.08);border-radius:15px;background:linear-gradient(145deg,#f7fcff,#dceef7);color:var(--navy);box-shadow:inset 0 1px 0 rgba(255,255,255,.9),0 7px 16px rgba(16,42,67,.1);font-family:Arial,sans-serif;font-size:18px;font-weight:900}.fact-icon b,.fact-icon i{position:relative;z-index:1;font-style:normal}.fact-icon-calendar:before{content:"";position:absolute;top:50%;left:50%;width:21px;height:19px;border:2px solid currentColor;border-radius:5px;transform:translate(-50%,-47%)}.fact-icon-calendar:after{content:"";position:absolute;top:45%;left:50%;width:21px;height:2px;background:currentColor;transform:translate(-50%,-50%)}.fact-icon-calendar i{width:5px;height:5px;margin-top:9px;border-radius:50%;background:var(--red)}.fact-icon-account{background:linear-gradient(145deg,#fff8fa,#f8dfe5);color:var(--red)}.fact-icon-account:before{content:"";position:absolute;width:31px;height:31px;border:1px solid rgba(198,32,63,.2);border-radius:50%}.fact-icon-account b{font-size:21px;line-height:1}.fact-icon-rate{background:linear-gradient(145deg,#f5fcf8,#d9eee4);color:#277457}.fact-icon-rate b{font-size:17px}.fact-icon-continuity{background:linear-gradient(145deg,#fbf8ff,#e7dff3);color:#745393}.fact-icon-continuity b{font-size:23px;line-height:1}.quick-facts p{margin:0;line-height:1.4}.quick-facts small,.quick-facts strong{display:block}.quick-facts small{margin-bottom:4px;color:var(--muted);font-size:11px;font-weight:600}.quick-facts strong{color:var(--navy);font-size:15px}.section{padding:100px 0}.section-heading{max-width:760px;margin-bottom:50px}.section-heading.centered{margin-inline:auto;text-align:center}.section-heading h2,.campaign-copy h2,.point-grid h2,.faq-heading h2{margin-bottom:18px;color:var(--navy);font-size:clamp(32px, 4.2vw, 48px);line-height:1.28;letter-spacing:-.045em;font-weight:900}.section-heading>p:last-child,.faq-heading>p{margin-bottom:0;color:var(--muted);font-size:16px}.intro-section{background:var(--white)}.definition-card{max-width:900px;display:grid;grid-template-columns:190px 1fr;align-items:center;gap:24px;margin:0 auto 36px;padding:26px 32px;border:1px solid #ead7bc;border-radius:var(--radius);background:var(--cream)}.definition-label{padding:9px 16px;border-radius:999px;background:var(--navy);color:var(--white);text-align:center;font-size:13px;font-weight:900}.definition-card p{margin:0;color:#3e4e5c;font-size:18px}.definition-card strong{color:var(--navy)}.feature-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.feature-card{position:relative;min-height:350px;overflow:hidden;padding:30px 25px 24px;border:1px solid var(--line);border-radius:22px;background:var(--white);box-shadow:0 8px 26px rgba(16,42,67,.06)}.feature-card:nth-child(2),.feature-card:nth-child(4){transform:translateY(18px)}.feature-number{position:absolute;top:18px;right:18px;color:#c8d2da;font-size:12px;font-weight:900;letter-spacing:.14em}.feature-icon{width:88px;height:88px;display:grid;place-items:center;margin:-8px 0 20px -8px}.feature-icon img{display:block;width:100%;height:100%;object-fit:contain}.feature-card h3{margin-bottom:12px;color:var(--navy);font-size:21px;line-height:1.45;font-weight:900}.feature-card p{margin-bottom:16px;color:var(--muted);font-size:14px}.feature-card small{position:absolute;right:25px;bottom:22px;left:25px;padding-top:12px;border-top:1px solid var(--line);color:#71808d;font-size:11px;font-weight:700}.feature-card:hover,.feature-card:focus-visible{border-color:rgba(198,32,63,.35);box-shadow:0 13px 30px rgba(16,42,67,.1)}.home-referral-section{position:relative;overflow:hidden;margin-top:0;background:radial-gradient(circle at 0 100%,rgba(198,32,63,.08) 0 18%,transparent 18.5%),linear-gradient(145deg,#fff8ef 0,#fff 62%,#f2f8fa 100%)}.home-referral-wrap{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0, 0.9fr) minmax(0, 1.1fr);align-items:center;gap:68px}.home-referral-wrap>.code-card{width:100%;border-color:#dce6eb;box-shadow:16px 18px 0 rgba(198,32,63,.18)}.home-referral-copy h2{margin:0 0 18px;color:var(--navy);font-size:clamp(30px, 4vw, 46px);font-weight:900;letter-spacing:-.04em;line-height:1.3}.home-referral-copy>p:not(.section-kicker){margin:0;color:#415566;font-size:15px;line-height:1.9}.home-referral-copy>p>strong{color:var(--red-dark)}.home-referral-checks{display:grid;gap:11px;margin:24px 0;padding:0;list-style:none}.home-referral-checks li,.docomo-bank-shell .home-referral-checks li{position:relative;margin:0;padding:13px 15px 13px 43px;border:1px solid #dfe8ed;border-radius:13px;background:rgba(255,255,255,.86);color:#344b5e;font-size:13px;line-height:1.75}.home-referral-checks li:before{content:"✓";position:absolute;top:14px;left:15px;width:18px;height:18px;display:grid;place-items:center;border-radius:50%;background:#eaf7f2;color:#15765d;font-size:11px;font-weight:900}.referral-input-note{margin-top:20px !important;padding:13px 15px;border-left:4px solid var(--red);border-radius:0 12px 12px 0;background:#fff1f3}.referral-risk-disclosure{margin-top:14px !important;color:#6d5b3d !important;font-size:11px !important;line-height:1.75 !important}.home-referral-links{display:flex;flex-wrap:wrap;gap:10px 18px;margin-top:21px}.home-referral-links a{padding-bottom:2px;border-bottom:1px solid rgba(198,32,63,.42);color:var(--red-dark);font-size:12px;font-weight:900}.home-referral-links a:hover,.home-referral-links a:focus-visible{border-color:var(--red);color:var(--red)}.campaign-section{position:relative;overflow:hidden;margin-top:18px;background:var(--navy);color:var(--white)}.campaign-section:before{content:"";position:absolute;width:620px;height:620px;right:-220px;top:-310px;border:100px solid rgba(255,255,255,.045);border-radius:50%}.campaign-wrap{position:relative;z-index:1;display:grid;grid-template-columns:.88fr 1.12fr;align-items:center;gap:70px}.birthday-campaign-wrap{grid-template-columns:minmax(0, 1fr);max-width:1020px}.section-kicker.light{color:#ff9c9f}.campaign-copy h2{color:var(--white)}.campaign-copy>p:not(.section-kicker){color:#ccdae5}.campaign-checks{display:grid;grid-template-columns:1fr 1fr;gap:10px 18px;margin:28px 0 0;padding:0;list-style:none}.campaign-checks li{position:relative;padding-left:24px;font-size:13px;font-weight:800}.docomo-bank-shell .campaign-checks li{position:relative;padding-left:24px}.campaign-checks li:before{content:"✓";position:absolute;left:0;top:1px;width:17px;height:17px;display:grid;place-items:center;border-radius:50%;background:var(--red);font-size:10px}.campaign-links{display:flex;flex-wrap:wrap;gap:9px 18px;margin-top:26px}.campaign-links a{padding-bottom:2px;border-bottom:1px solid rgba(255,255,255,.45);color:var(--white);font-size:12px;font-weight:900}.campaign-links a:hover,.campaign-links a:focus-visible{border-color:#ff9c9f;color:#ffb9bb}.code-card{position:relative;min-height:330px;display:flex;flex-direction:column;align-items:center;justify-content:center;padding:42px;border:1px solid rgba(255,255,255,.22);border-radius:28px;background:var(--white);color:var(--navy);box-shadow:18px 22px 0 rgba(198,32,63,.72);text-align:center}.code-card>p{margin-bottom:6px;color:var(--muted);font-size:14px;font-weight:800}.code-card>strong{display:block;margin-bottom:14px;font-size:clamp(30px, 4.5vw, 48px);line-height:1.2;letter-spacing:.04em}.code-card>span:not(.status-badge){max-width:430px;color:var(--muted);font-size:14px}.copy-code-button{position:relative;display:inline-flex;align-items:center;justify-content:center;min-width:176px;min-height:46px;margin:0 0 15px;padding:11px 20px 11px 47px;border:0;border-radius:999px;background:var(--red);color:var(--white);box-shadow:0 8px 18px rgba(198,32,63,.2);font:inherit;font-size:13px;font-weight:900;cursor:pointer;transition:transform .2s ease,background .2s ease,box-shadow .2s ease}.copy-code-button:before,.copy-code-button:after{content:"";position:absolute;width:12px;height:14px;border:2px solid currentColor;border-radius:3px}.copy-code-button:before{left:24px;top:13px}.copy-code-button:after{left:19px;top:18px;opacity:.62}.copy-code-button:hover,.copy-code-button:focus-visible{background:#a91833;box-shadow:0 10px 24px rgba(198,32,63,.3);transform:translateY(-2px)}.copy-code-button.is-copied{background:#15765d}.code-card>span.copy-code-feedback{min-height:18px;margin:-6px 0 7px;color:#15765d;font-size:11px;font-weight:800}.legacy-campaign-summary{width:100%;max-width:430px;padding:16px 18px;border:1px solid #dce6eb;border-radius:17px;background:#f7fafb;text-align:left}.legacy-campaign-label{display:flex;align-items:center;gap:8px;margin:0 0 8px;color:var(--navy);font-size:12px;font-weight:900}.legacy-campaign-label span{padding:3px 8px;border-radius:999px;background:#eef2f4;color:var(--muted);font-size:10px}.legacy-campaign-summary>strong{display:block;margin-bottom:8px;color:var(--red);font-size:15px;line-height:1.55}.legacy-campaign-summary ul{display:grid;gap:5px;margin:0 0 10px;padding:0;list-style:none}.legacy-campaign-summary li{position:relative;padding-left:15px;color:var(--navy);font-size:12px;font-weight:700;line-height:1.55}.legacy-campaign-summary li:before{content:"";position:absolute;top:.62em;left:2px;width:5px;height:5px;border-radius:50%;background:var(--red)}.legacy-campaign-summary small{display:block;margin-bottom:8px;color:var(--muted);font-size:11px;line-height:1.6}.legacy-campaign-summary a{display:inline-flex;align-items:center;gap:5px;color:var(--red);font-size:12px;font-weight:900;text-decoration:underline;text-underline-offset:3px}.status-badge{position:absolute;top:22px;padding:5px 12px;border-radius:999px;background:var(--sky);color:var(--navy);font-size:11px;font-weight:900}.placeholder-code{display:flex;gap:9px;margin-top:25px}.placeholder-code i{width:25px;height:32px;display:block;border-radius:7px;background:#e7edf1}.opening-section{background:#fbfcfd}.prepare-box{max-width:820px;display:flex;align-items:center;gap:18px;margin:-12px auto 40px;padding:22px 26px;border:1px solid #ead7bc;border-radius:18px;background:var(--cream)}.prepare-icon{width:68px;height:68px;flex:0 0 auto}.prepare-icon img,.step-visual-image img{width:100%;height:100%;object-fit:contain}.prepare-box h3{margin:0 0 2px;color:var(--navy);font-size:16px;font-weight:900}.prepare-box p{margin:0;color:var(--muted);font-size:14px}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin:0;padding:0;list-style:none;counter-reset:step}.steps li{position:relative;min-height:315px;padding:25px 22px;border:1px solid var(--line);border-radius:22px;background:var(--white)}.steps li:not(:last-child):after{content:"→";position:absolute;z-index:2;top:92px;right:-23px;width:28px;height:28px;display:grid;place-items:center;border:1px solid var(--line);border-radius:50%;background:var(--white);color:var(--red);font-weight:900}.step-number{display:block;margin-bottom:18px;color:var(--red);font-size:10px;font-weight:900;letter-spacing:.12em}.step-number b{margin-left:3px;font-size:18px}.step-visual{width:74px;height:74px;display:grid;place-items:center;margin-bottom:22px;border-radius:22px 22px 22px 7px;background:var(--sky);color:var(--navy);font-size:25px;font-weight:900;transform:rotate(-2deg)}.steps li:nth-child(even) .step-visual{background:#fdecee;color:var(--red)}.step-visual-image{background:0 0;transform:none}.steps h3{margin-bottom:8px;color:var(--navy);font-size:18px;font-weight:900}.steps p{margin:0;color:var(--muted);font-size:13px}.referral-step-note{display:flex;gap:14px;margin-top:26px;padding:18px 22px;border-radius:16px;background:#fff3f2;color:#58434a;font-size:13px}.referral-step-note>span{width:25px;height:25px;flex:0 0 auto;display:grid;place-items:center;border-radius:50%;background:var(--red);color:var(--white);font-weight:900}.referral-step-note p{margin:0}.referral-step-note strong{display:block;margin-bottom:2px;color:var(--red-dark)}.opening-cta{display:flex;align-items:center;justify-content:space-between;gap:30px;margin-top:46px;padding:28px 32px;border-radius:22px;background:var(--navy);color:var(--white)}.opening-cta p{margin:0}.opening-cta strong,.opening-cta small{display:block}.opening-cta strong{font-size:19px}.opening-cta small{color:#c8d7e2;font-size:11px}.opening-cta-actions{display:flex;align-items:center;gap:10px}.button-on-dark{border-color:rgba(255,255,255,.28);background:0 0;color:var(--white)}.button-on-dark:hover,.button-on-dark:focus-visible{background:rgba(255,255,255,.08)}.opening-experience-section{position:relative;overflow:hidden;border-top:1px solid rgba(16,42,67,.06);background:radial-gradient(circle at 100% 0,rgba(198,32,63,.07) 0 12%,transparent 12.5%),linear-gradient(180deg,#fffaf3 0,#f7fafb 34%,#fff 100%)}.opening-experience-section .section-heading{max-width:850px}.opening-experience-summary-section{background:linear-gradient(180deg,#fffaf3,#fff)}.opening-experience-summary-section .section-heading{margin-bottom:0}.opening-experience-summary-section .section-heading>p:last-child{margin-top:23px}.opening-experience-summary-section .section-heading>p:last-child a{display:inline-flex;align-items:center;min-height:46px;padding:10px 18px;border-radius:999px;background:var(--navy);color:var(--white);font-size:13px;font-weight:900}.opening-experience-summary-section .section-heading>p:last-child a:hover,.opening-experience-summary-section .section-heading>p:last-child a:focus-visible{background:var(--red-dark)}.article-body .opening-experience-section{overflow:visible;background:radial-gradient(circle at 100% 0,rgba(198,32,63,.05) 0 10%,transparent 10.5%),linear-gradient(180deg,#fffaf3 0,#fff 26%)}.article-body .opening-experience-container{min-width:0}.article-body .opening-experience-grid{grid-template-columns:repeat(2,minmax(0, 1fr));gap:20px}.article-body .opening-experience-nav{grid-template-columns:repeat(2,minmax(0, 1fr))}.article-body .opening-research-summary dl{grid-template-columns:repeat(2,minmax(0, 1fr))}.opening-research-summary{max-width:980px;margin:-8px auto 30px;padding:28px 30px;border:1px solid #d8e3e9;border-radius:22px;background:rgba(255,255,255,.94);box-shadow:0 14px 36px rgba(16,42,67,.07)}.opening-research-summary>div:first-child small{display:block;margin-bottom:5px;color:var(--red);font-size:10px;font-weight:900;letter-spacing:.12em}.opening-research-summary h3{margin:0 0 8px;color:var(--navy);font-size:22px;font-weight:900}.opening-research-summary>div:first-child p{margin:0;color:var(--muted);font-size:13px;line-height:1.8}.opening-research-summary dl{display:grid;grid-template-columns:repeat(4,minmax(0, 1fr));gap:10px;margin:22px 0}.opening-research-summary dl>div{min-width:0;padding:15px 16px;border-radius:14px;background:#f4f8fa}.opening-research-summary dt{margin-bottom:5px;color:var(--muted);font-size:10px;font-weight:800}.opening-research-summary dd{margin:0;color:var(--navy);font-size:13px;font-weight:900;line-height:1.65}.research-downloads{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0 0}.research-downloads a{display:inline-flex;align-items:center;min-height:42px;padding:9px 15px;border:1px solid rgba(198,32,63,.32);border-radius:999px;background:#fff5f6;color:var(--red-dark);font-size:11px;font-weight:900}.research-downloads a:hover,.research-downloads a:focus-visible{border-color:var(--red);background:#ffecef}.research-citation-note{margin:17px 0 0 !important;color:#617380 !important;font-size:11px !important;line-height:1.75 !important}.opening-experience-source{max-width:920px;display:grid;grid-template-columns:auto 1fr;align-items:start;gap:18px;margin:-8px auto 34px;padding:24px 28px;border:1px solid #e6c7cd;border-radius:20px;background:rgba(255,255,255,.92);box-shadow:0 14px 36px rgba(16,42,67,.08)}.opening-experience-source>span{display:inline-flex;align-items:center;min-height:30px;padding:5px 12px;border-radius:999px;background:var(--red);color:var(--white);font-size:11px;font-weight:900;letter-spacing:.08em;white-space:nowrap}.opening-experience-source p{margin:0;color:var(--muted);font-size:13px;line-height:1.85}.opening-experience-source strong{display:block;margin-bottom:3px;color:var(--navy);font-size:15px}.opening-experience-nav,.docomo-bank-shell .opening-experience-nav{display:grid;grid-template-columns:repeat(4,minmax(0, 1fr));gap:10px;max-width:960px;margin:0 auto 64px}.opening-experience-nav a{display:grid;grid-template-columns:auto 1fr;align-items:center;gap:10px;min-height:66px;padding:12px 14px;border:1px solid var(--line);border-radius:15px;background:rgba(255,255,255,.9);color:var(--navy);font-size:11px;font-weight:900;line-height:1.45;transition:border-color .2s ease,box-shadow .2s ease,transform .2s ease}.opening-experience-nav a:hover,.opening-experience-nav a:focus-visible{border-color:rgba(198,32,63,.45);box-shadow:0 10px 24px rgba(16,42,67,.09);transform:translateY(-2px)}.opening-experience-nav a span{width:34px;height:34px;display:grid;place-items:center;border-radius:11px;background:var(--navy);color:var(--white);font-size:11px;letter-spacing:.08em}.opening-experience-phase{scroll-margin-top:96px}.opening-experience-phase+.opening-experience-phase{margin-top:78px}.opening-experience-phase-heading{display:flex;align-items:center;gap:17px;margin-bottom:26px;padding-bottom:18px;border-bottom:1px solid var(--line)}.opening-experience-phase-heading>span{width:54px;height:54px;flex:0 0 auto;display:grid;place-items:center;border-radius:18px 18px 18px 5px;background:var(--red);color:var(--white);box-shadow:0 8px 22px rgba(198,32,63,.2);font-size:15px;font-weight:900;letter-spacing:.08em}.opening-experience-phase-heading small{display:block;margin-bottom:2px;color:var(--red);font-size:10px;font-weight:900;letter-spacing:.14em}.opening-experience-phase-heading h3{color:var(--navy);font-size:clamp(22px, 2.6vw, 30px);font-weight:900;line-height:1.35}.opening-experience-grid,.docomo-bank-shell .opening-experience-grid{display:grid;grid-template-columns:repeat(3,minmax(0, 1fr));align-items:stretch;gap:24px;margin:0;padding:0;list-style:none}.opening-experience-step,.docomo-bank-shell .opening-experience-step{min-width:0;display:flex;flex-direction:column;margin:0;padding:0;overflow:hidden;border:1px solid #d8e1e6;border-radius:22px;background:var(--white);box-shadow:0 14px 38px rgba(16,42,67,.09);content-visibility:auto;contain-intrinsic-size:820px;scroll-margin-top:90px}.opening-step-anchor-active .opening-experience-step,.opening-step-anchor-active .docomo-bank-shell .opening-experience-step{content-visibility:visible;contain-intrinsic-size:none}.opening-experience-step.is-important{border:2px solid rgba(198,32,63,.72);box-shadow:0 16px 42px rgba(198,32,63,.14)}.opening-experience-step.is-experience{border-color:#a9d5c5;box-shadow:0 16px 42px rgba(21,118,93,.1)}.opening-experience-screen{position:relative;margin:0;padding:0;overflow:hidden;border-top:1px solid var(--line);background:#f1f5f7}.opening-experience-screen:after{content:"実際のアプリ画面";position:absolute;right:10px;bottom:10px;padding:4px 9px;border-radius:999px;background:rgba(16,42,67,.86);color:var(--white);font-size:9px;font-weight:900;letter-spacing:.04em}.opening-experience-screen img{width:100%;height:auto;object-fit:contain;object-position:top center}.opening-experience-step-copy{flex:1;display:flex;flex-direction:column;padding:23px 22px 25px}.opening-experience-step-number{display:inline-flex;align-items:baseline;gap:5px;margin-bottom:10px;color:var(--red);font-size:10px;font-weight:900;letter-spacing:.14em}.opening-experience-step-number b{font-size:20px;letter-spacing:.04em}.opening-experience-step h4{margin:0 0 9px;color:var(--navy);font-size:18px;font-weight:900;line-height:1.5}.opening-experience-step-copy>p{margin:0;color:var(--muted);font-size:13px;line-height:1.85}.opening-experience-code{display:grid;justify-items:center;margin-top:20px;padding:17px 14px 10px;border:1px solid #f0c7ce;border-radius:16px;background:#fff7f7;text-align:center}.opening-experience-code>span:first-child{margin-bottom:1px;color:var(--muted);font-size:10px;font-weight:900}.opening-experience-code>strong{margin-bottom:10px;color:var(--navy);font-size:29px;line-height:1.25;letter-spacing:.06em}.opening-experience-code .copy-code-button{margin-bottom:12px}.opening-experience-code .copy-code-feedback{min-height:17px;color:#15765d;font-size:10px;font-weight:800}.referral-benefit-disclosure{max-width:610px;margin:10px 0 0;padding:9px 11px;border-radius:10px;background:#fff4df;color:#664d1f;font-size:10px;font-weight:700;line-height:1.65}.opening-experience-code .referral-benefit-disclosure{margin:1px 0 10px;text-align:left}.opening-experience-step-copy>.opening-experience-code-link{margin-top:20px}.opening-experience-code-link a{display:inline-flex;align-items:center;justify-content:center;min-height:42px;padding:9px 14px;border:1px solid rgba(198,32,63,.3);border-radius:999px;background:#fff3f4;color:var(--red-dark);font-size:11px;font-weight:900;text-align:center}.opening-experience-code-link a:hover,.opening-experience-code-link a:focus-visible{border-color:var(--red);background:#ffe9ec}.opening-experience-personal-note{display:inline-flex;align-items:center;align-self:flex-start;gap:6px;margin-top:16px !important;padding:5px 10px;border-radius:999px;background:var(--mint);color:#12674f !important;font-size:10px !important;font-weight:900}.opening-experience-personal-note span{width:17px;height:17px;display:grid;place-items:center;border-radius:50%;background:#15765d;color:var(--white);font-size:10px}.opening-experience-campaign-note{display:grid;grid-template-columns:auto 1fr;gap:17px;margin-top:64px;padding:27px 29px;border:1px solid #ecc8b1;border-radius:21px;background:var(--cream)}.opening-experience-campaign-note>span{width:32px;height:32px;display:grid;place-items:center;border-radius:50%;background:var(--red);color:var(--white);font-weight:900}.opening-experience-campaign-note h3{margin-bottom:6px;color:var(--navy);font-size:18px;font-weight:900}.opening-experience-campaign-note p{margin:0 0 6px;color:#4c5f6e;font-size:14px;line-height:1.8}.opening-experience-campaign-note small{display:block;color:var(--muted);font-size:11px;line-height:1.7}.point-section{background:var(--cream)}.point-grid{display:grid;grid-template-columns:.8fr 1.2fr;align-items:center;gap:90px}.point-grid h2{font-size:clamp(34px, 4.5vw, 52px)}.point-lead{margin-bottom:26px;color:var(--muted)}.text-link{display:inline-flex;align-items:center;gap:8px;padding-bottom:3px;border-bottom:2px solid var(--red);color:var(--red);font-size:14px;font-weight:900}.point-links{display:grid;justify-items:start;gap:12px}.guide-index-section{background:#f7fafb}.guide-index-grid{display:grid;grid-template-columns:repeat(2,minmax(0, 1fr));gap:17px}.guide-index-card{position:relative;min-width:0;min-height:235px;display:flex;flex-direction:column;padding:29px 30px 26px;overflow:hidden;border:1px solid var(--line);border-radius:21px;background:var(--white);box-shadow:0 7px 24px rgba(16,42,67,.05);transition:transform .16s ease,border-color .16s ease,box-shadow .16s ease}.guide-index-card:hover,.guide-index-card:focus-visible{border-color:rgba(198,32,63,.32);box-shadow:0 13px 30px rgba(16,42,67,.1);transform:translateY(-3px)}.guide-index-number{position:absolute;top:19px;right:22px;color:#d3dce2;font-family:Arial,sans-serif;font-size:15px;font-weight:900;letter-spacing:.08em}.guide-index-card>small{margin-bottom:10px;color:var(--red);font-size:9px;font-weight:900;letter-spacing:.11em}.guide-index-card h3{max-width:85%;margin-bottom:10px;color:var(--navy);font-size:20px;font-weight:900;line-height:1.5}.guide-index-card p{max-width:92%;flex:1;margin-bottom:17px;color:var(--muted);font-size:13px;line-height:1.75}.guide-index-card b{color:var(--red);font-size:12px}.guide-index-card i{margin-left:4px;font-style:normal}.rate-panel{position:relative;padding:36px;border:1px solid #ead7bc;border-radius:30px;background:var(--white);box-shadow:var(--shadow)}.rate-row{display:flex;align-items:center;justify-content:space-between;min-height:76px;padding:8px 22px;border-radius:17px;background:var(--sky);color:var(--navy)}.rate-row.accent{background:#fdecee;color:var(--red)}.rate-row span{font-size:14px;font-weight:900}.rate-row strong{font-family:Arial,sans-serif;font-size:38px;line-height:1}.rate-row small,.rate-total small{font-size:.52em}.plus{height:34px;display:grid;place-items:center;color:var(--navy);font-size:22px;font-weight:900}.rate-total{display:flex;align-items:baseline;justify-content:space-between;gap:20px;margin-top:24px;padding-top:23px;border-top:2px dashed #d7dee3}.rate-total>span{padding:5px 10px;border-radius:999px;background:var(--navy);color:var(--white);font-size:11px;font-weight:900}.rate-total p{margin:0;color:var(--navy);font-size:15px;font-weight:900}.rate-total strong{margin-left:9px;color:var(--red);font-family:Arial,sans-serif;font-size:46px}.fine-print{margin:18px 0 0;color:#7a858e;font-size:10px;line-height:1.6}.faq-section{background:var(--white)}.faq-grid{display:grid;grid-template-columns:.68fr 1.32fr;align-items:start;gap:80px}.faq-heading{position:sticky;top:120px}.faq-characters{display:flex;align-items:center;margin:28px 0 -10px}.faq-characters img{width:118px;height:118px;border:5px solid var(--white);border-radius:50%;object-fit:cover;box-shadow:0 12px 24px rgba(16,42,67,.14)}.faq-characters img+img{margin-left:-22px}.faq-list{border-top:1px solid var(--line)}.faq-list details{border-bottom:1px solid var(--line)}.faq-list summary{position:relative;display:flex;align-items:center;gap:15px;padding:25px 46px 25px 5px;color:var(--navy);cursor:pointer;list-style:none;font-size:16px;font-weight:900}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{content:"+";position:absolute;right:6px;top:50%;width:28px;height:28px;display:grid;place-items:center;border:1px solid var(--line);border-radius:50%;color:var(--red);transform:translateY(-50%)}.faq-list details[open] summary:after{content:"−";background:var(--red);color:var(--white)}.faq-list summary span,.faq-answer>span{width:32px;height:32px;flex:0 0 auto;display:grid;place-items:center;border-radius:10px 10px 10px 3px;background:var(--navy);color:var(--white);font-family:Arial,sans-serif;font-weight:900}.faq-answer{display:flex;gap:15px;padding:0 20px 27px 5px}.faq-answer>span{background:var(--red)}.faq-answer p{margin:1px 0 0;color:var(--muted);font-size:14px}.source-section{padding:32px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#f7fafb}.source-inner{display:flex;align-items:center;justify-content:space-between;gap:30px}.source-inner>div{display:flex;align-items:center;gap:13px}.source-icon{width:39px;height:39px;display:grid;place-items:center;border-radius:50%;background:var(--mint);color:#277457;font-weight:900}.source-inner p{margin:0;color:var(--muted);font-size:12px;line-height:1.55}.source-inner p strong{display:block;color:var(--navy);font-size:14px}.source-inner>a{color:var(--red);font-size:13px;font-weight:900}.footer-links-label{margin-top:10px;padding-top:12px;border-top:1px solid rgba(255,255,255,.12);color:#8fa8b9;font-size:10px;font-weight:900;letter-spacing:.1em}.legal-header-inner{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.legal-back{display:inline-flex;align-items:center;gap:8px;color:var(--navy);font-size:13px;font-weight:900}.legal-back:before{content:"←";color:var(--red);font-size:16px}.legal-back:hover,.legal-back:focus-visible,.legal-breadcrumb a:hover,.legal-breadcrumb a:focus-visible{color:var(--red);text-decoration:underline}.legal-main{min-height:70vh;padding:44px 0 96px;background:radial-gradient(circle at 92% 8%,rgba(232,243,247,.9) 0 11%,transparent 11.3%),linear-gradient(180deg,var(--cream) 0 310px,#f7f9fa 310px 100%)}.legal-shell{width:min(880px, calc(100% - 40px))}.legal-breadcrumb{display:flex;align-items:center;gap:9px;margin-bottom:38px;color:var(--muted);font-size:11px;font-weight:700}.legal-breadcrumb a{color:var(--navy)}.legal-page-heading{margin-bottom:34px}.legal-page-heading h1{margin-bottom:14px;color:var(--navy);font-size:clamp(34px, 5vw, 52px);line-height:1.25;letter-spacing:-.045em;font-weight:900}.legal-page-heading>p:last-child{max-width:700px;margin-bottom:0;color:#4b5e6e;font-size:15px}.legal-content{padding:50px 56px;border:1px solid var(--line);border-radius:26px;background:var(--white);box-shadow:0 14px 45px rgba(16,42,67,.08)}.legal-content section+section{margin-top:42px;padding-top:38px;border-top:1px solid var(--line)}.legal-content h2{margin-bottom:15px;color:var(--navy);font-size:21px;line-height:1.45;font-weight:900}.legal-content p,.legal-content li,.legal-profile dd{color:#425463;font-size:14px;line-height:2}.legal-content p:last-child,.legal-content ul:last-child{margin-bottom:0}.legal-content ul{margin:0 0 18px;padding-left:1.45em}.legal-content li+li{margin-top:6px}.legal-profile{margin:0 0 44px;overflow:hidden;border:1px solid var(--line);border-radius:16px}.legal-profile>div{display:grid;grid-template-columns:150px 1fr}.legal-profile>div+div{border-top:1px solid var(--line)}.legal-profile dt,.legal-profile dd{margin:0;padding:15px 18px}.legal-profile dt{background:#f3f7f9;color:var(--navy);font-size:12px;font-weight:900}.legal-profile dd a{color:var(--red);font-weight:700;text-decoration:underline;overflow-wrap:anywhere}.legal-notice{margin-top:42px;padding:20px 22px;border-left:4px solid var(--red);border-radius:0 12px 12px 0;background:#fff4f5;color:#5d3c43;font-size:13px;line-height:1.8}.legal-date{margin-top:46px;padding-top:20px;border-top:1px solid var(--line);color:var(--muted) !important;font-size:12px !important;text-align:right}.legal-footer{padding-top:40px}.legal-footer-inner{display:flex;align-items:center;justify-content:space-between;gap:28px}.legal-footer-inner p{margin:0}.legal-footer-links{display:flex;flex-wrap:wrap;gap:10px 24px;color:#d8e3eb;font-size:12px}.legal-footer-links a:hover,.legal-footer-links a:focus-visible{color:var(--white);text-decoration:underline}footer{padding:56px 0 25px;background:#0c2235;color:var(--white)}.footer-grid{display:grid;grid-template-columns:1fr .8fr 1.4fr;gap:55px}.footer-brand{display:flex;align-items:center;gap:13px}.footer-brand p{margin:0}.footer-brand strong,.footer-brand small{display:block}.footer-brand small{color:#a9becd;font-size:11px}.footer-links{display:grid;gap:7px;color:#d8e3eb;font-size:12px}.footer-links a:hover,.footer-links a:focus-visible{color:var(--white);text-decoration:underline}.footer-note{color:#9eb3c2;font-size:10px;line-height:1.7}.footer-note p{margin-bottom:10px}.copyright{margin-top:34px;padding-top:20px;border-top:1px solid rgba(255,255,255,.09);color:#7f98a9;font-size:10px}@media (max-width:980px){nav{gap:16px;font-size:12px}.hero-grid{grid-template-columns:1fr .9fr}.speech-answer{top:126px}.quick-facts{grid-template-columns:1fr 1fr}.quick-facts>div:nth-child(3){border-left:0;border-top:1px solid var(--line)}.quick-facts>div:nth-child(4){border-top:1px solid var(--line)}.feature-grid,.steps{grid-template-columns:1fr 1fr}.opening-experience-grid,.docomo-bank-shell .opening-experience-grid{grid-template-columns:repeat(2,minmax(0, 1fr))}.opening-experience-nav,.docomo-bank-shell .opening-experience-nav{grid-template-columns:repeat(2,minmax(0, 1fr))}.feature-card:nth-child(2),.feature-card:nth-child(4){transform:none}.steps li:nth-child(2):after{display:none}.campaign-wrap{gap:42px}.home-referral-wrap{gap:40px}.point-grid,.faq-grid{gap:48px}}@media (max-width:760px){.container{width:min(100% - 28px, 620px)}.site-header{position:relative}.header-inner{min-height:70px}.legal-header-inner{min-height:70px}.header-brand-area{width:100%;justify-content:space-between;gap:10px}.site-brand{font-size:16px}.brand-mark{width:36px;height:36px;border-radius:12px 12px 12px 4px;font-size:19px}.brand-favicon{width:36px;height:36px;border-radius:11px}.site-brand small{font-size:8px}.docomo-bank-shell .site-brand small{font-size:8px;line-height:1.2;letter-spacing:.04em;white-space:nowrap}.header-updated{padding-left:12px}.header-updated small{font-size:8px}.header-updated time{font-size:10px}nav{display:none}.hero{padding-top:30px}.hero-grid{min-height:auto;grid-template-columns:1fr;gap:4px}.hero-copy{padding-bottom:6px;text-align:center}.hero h1{margin-bottom:15px;font-size:clamp(36px, 11vw, 51px)}.hero-lead{margin-bottom:10px;font-size:14px}.verified-note{margin-top:10px}.hero-dialogue{min-height:0;gap:18px;padding:12px 0 27px}.hero-dialogue:before{width:310px;height:240px;right:50%;transform:translate(50%,-50%) rotate(-4deg)}.dialogue-row{gap:10px}.character-avatar,.character-avatar img{width:69px}.character-avatar img{height:69px;border-width:3px}.character-avatar figcaption{margin-top:2px;font-size:9px}.dialogue-bubble{max-width:calc(100% - 82px);padding:12px 14px;border-radius:14px}.dialogue-bubble p{font-size:12px;line-height:1.6}.dialogue-question{border-radius:14px 14px 14px 3px}.dialogue-answer{border-radius:14px 14px 3px}.dialogue-question:before,.dialogue-answer:after{bottom:15px}.quick-facts{grid-template-columns:1fr 1fr;border-radius:18px 18px 0 0}.quick-facts>div{min-height:88px;padding:15px 13px;gap:9px}.fact-icon{width:38px;height:38px;border-radius:12px}.fact-icon-calendar:before{width:18px;height:16px}.fact-icon-calendar:after{width:18px}.fact-icon-account:before{width:26px;height:26px}.fact-icon-account b{font-size:18px}.quick-facts strong{font-size:12px}.quick-facts small{font-size:9px}.section{padding:75px 0}.section-heading{margin-bottom:36px}.section-heading h2,.campaign-copy h2,.point-grid h2,.faq-heading h2{font-size:32px}.section-heading>p:last-child,.faq-heading>p{font-size:14px}.home-referral-wrap{grid-template-columns:1fr;gap:34px}.home-referral-copy h2{font-size:32px}.home-referral-copy>p:not(.section-kicker){font-size:14px}.home-referral-wrap>.code-card{max-width:540px;justify-self:center}.opening-experience-source{grid-template-columns:1fr;gap:11px;padding:21px}.opening-experience-source>span{justify-self:start}.opening-experience-nav,.docomo-bank-shell .opening-experience-nav{margin-bottom:50px}.opening-experience-nav a{min-height:62px;padding:10px 12px;font-size:10px}.opening-experience-phase+.opening-experience-phase{margin-top:62px}.opening-experience-phase-heading{align-items:flex-start;gap:13px}.opening-experience-phase-heading>span{width:46px;height:46px;border-radius:15px 15px 15px 5px;font-size:13px}.opening-experience-phase-heading h3{font-size:22px}.opening-experience-grid,.docomo-bank-shell .opening-experience-grid{grid-template-columns:1fr;gap:20px}.opening-experience-step,.docomo-bank-shell .opening-experience-step{width:100%;max-width:520px;justify-self:center}.opening-experience-step-copy{padding:22px 20px 24px}.opening-experience-campaign-note{margin-top:50px;padding:23px 21px}.definition-card{grid-template-columns:1fr;gap:14px;padding:23px;text-align:center}.definition-label{justify-self:center}.definition-card p{font-size:15px}.feature-grid,.steps,.campaign-wrap,.point-grid,.faq-grid,.footer-grid{grid-template-columns:1fr}.feature-card{min-height:300px}.campaign-wrap{gap:34px}.campaign-checks{grid-template-columns:1fr;gap:12px;font-size:12px}.campaign-wrap>.code-card{order:-1}.code-card{min-height:310px;padding:30px 22px 35px;box-shadow:9px 12px 0 rgba(198,32,63,.72)}.code-card>.status-badge{position:static;align-self:center;margin:0 0 14px}.code-card>strong{font-size:30px}.steps li{min-height:auto;padding:23px}.steps li:not(:last-child):after{display:none}.step-visual{float:left;width:62px;height:62px;margin:0 17px 8px 0;font-size:21px}.opening-cta,.source-inner{flex-direction:column;align-items:stretch}.opening-cta{padding:24px;text-align:center}.opening-cta-actions{width:100%;flex-direction:column}.opening-cta-actions .button{width:100%}.point-grid{gap:35px}.rate-panel{padding:25px 20px}.rate-row{padding-inline:16px}.rate-row strong{font-size:31px}.rate-total{display:block;text-align:right}.rate-total>span{display:inline-block;margin-bottom:10px}.rate-total strong{font-size:41px}.faq-grid{gap:25px}.faq-heading{position:static;text-align:center}.faq-characters{justify-content:center}.faq-characters img{width:90px;height:90px}.faq-list summary{font-size:14px}.source-inner>a{padding-left:52px}.footer-grid{gap:30px}.guide-index-grid{grid-template-columns:1fr}.guide-index-card{min-height:215px;padding:26px 23px 23px}.legal-main{padding:28px 0 68px;background:linear-gradient(180deg,var(--cream) 0 230px,#f7f9fa 230px 100%)}.legal-shell{width:min(100% - 28px, 620px)}.legal-breadcrumb{margin-bottom:25px}.legal-page-heading{margin-bottom:25px}.legal-page-heading h1{font-size:32px}.legal-content{padding:30px 22px;border-radius:20px}.legal-content section+section{margin-top:32px;padding-top:30px}.legal-content h2{font-size:18px}.legal-profile>div{grid-template-columns:1fr}.legal-profile dd{padding-top:11px}.legal-back{font-size:11px;white-space:nowrap}.legal-footer-inner{align-items:flex-start;flex-direction:column}}@media (max-width:390px){.dialogue-bubble p{font-size:11px}.opening-experience-nav,.docomo-bank-shell .opening-experience-nav{grid-template-columns:1fr}.opening-experience-source{padding:18px}.opening-experience-step h4{font-size:17px}.opening-experience-campaign-note{grid-template-columns:1fr}.placeholder-code{gap:6px}.placeholder-code i{width:21px;height:29px}}.article-header-inner{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.article-header-actions{display:flex;align-items:center;gap:20px}.article-home-button{min-height:42px;display:inline-flex;align-items:center;justify-content:center;padding:8px 16px;border-radius:12px;background:var(--red);color:var(--white);font-size:12px;font-weight:900;box-shadow:0 7px 18px rgba(198,32,63,.2)}.article-home-button:hover,.article-home-button:focus-visible{background:var(--red-dark)}.article-main{overflow:clip;background:#f7f9fa}.article-breadcrumb{display:flex;align-items:center;gap:9px;padding-top:22px;color:var(--muted);font-size:11px;font-weight:700}.article-breadcrumb a{color:var(--navy)}.article-breadcrumb a:hover,.article-breadcrumb a:focus-visible{color:var(--red);text-decoration:underline}.article-hero{position:relative;padding:42px 0 68px;background:radial-gradient(circle at 91% 14%,rgba(232,243,247,.95) 0 14%,transparent 14.3%),linear-gradient(125deg,#fff8ed 0 70%,#f5eadd 70% 100%)}.article-hero:after{content:"";position:absolute;width:230px;height:230px;right:-105px;bottom:-130px;border:42px solid rgba(198,32,63,.06);border-radius:50%}.article-hero-inner{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0, 1fr) 330px;align-items:center;gap:58px}.article-hero-copy h1{max-width:780px;margin-bottom:22px;color:var(--navy);font-size:clamp(34px, 4.5vw, 55px);font-weight:900;letter-spacing:-.045em;line-height:1.3}.article-lead{max-width:780px;margin-bottom:22px;color:#425666;font-size:16px;line-height:1.95}.article-verification{display:inline-flex;align-items:center;gap:10px}.article-verification>span{width:32px;height:32px;display:grid;place-items:center;border-radius:50%;background:var(--mint);color:#277457;font-weight:900}.article-verification p,.article-verification small,.article-verification time{margin:0}.article-verification small,.article-verification time{display:block;line-height:1.45}.article-verification small{color:var(--muted);font-size:9px;font-weight:700}.article-verification time{color:var(--navy);font-size:12px;font-weight:900}.article-hero-card{padding:28px 28px 25px;border:1px solid rgba(16,42,67,.12);border-radius:24px;background:rgba(255,255,255,.9);box-shadow:11px 13px 0 rgba(198,32,63,.12)}.article-hero-card>p{margin-bottom:16px;color:var(--navy);font-size:15px;font-weight:900}.article-hero-card ul{display:grid;gap:10px;margin:0;padding:0;list-style:none}.article-hero-card li{position:relative;padding-left:25px;color:#4d5e6d;font-size:13px;line-height:1.65}.docomo-bank-shell .article-hero-card li{position:relative;padding-left:25px}.article-hero-card li:before{content:"✓";position:absolute;top:2px;left:0;width:17px;height:17px;display:grid;place-items:center;border-radius:50%;background:#fdecee;color:var(--red);font-size:10px;font-weight:900}.article-layout{display:grid;grid-template-columns:235px minmax(0, 790px);justify-content:center;align-items:start;gap:46px;padding-top:64px;padding-bottom:90px}.article-toc{position:sticky;top:105px;padding:22px 20px;border:1px solid var(--line);border-radius:18px;background:var(--white);box-shadow:0 8px 24px rgba(16,42,67,.05)}.article-toc>p{margin-bottom:12px;color:var(--navy);font-size:13px;font-weight:900}.article-toc ol{display:grid;gap:9px;margin:0;padding-left:1.4em;color:#8b98a2;font-size:11px}.article-toc a{color:#455a6a;line-height:1.55}.article-toc a:hover,.article-toc a:focus-visible{color:var(--red);text-decoration:underline}.article-body{min-width:0;padding:48px 55px 58px;border:1px solid var(--line);border-radius:28px;background:var(--white);box-shadow:0 12px 38px rgba(16,42,67,.07)}.article-body p,.article-body li,.article-body td,.article-body th{overflow-wrap:anywhere}.article-answer-box{margin-bottom:23px;padding:25px 27px;border:1px solid #ead7bc;border-radius:18px;background:var(--cream)}.article-answer-box>span{display:inline-flex;margin-bottom:10px;padding:4px 10px;border-radius:999px;background:var(--navy);color:var(--white);font-size:10px;font-weight:900}.article-answer-box p{margin:0;color:#344b5e;font-size:16px;font-weight:700;line-height:1.9}.article-answer-box ul{display:grid;gap:8px;margin:0;padding:0;list-style:none}.article-answer-box li{position:relative;padding-left:22px;color:#344b5e;font-size:16px;font-weight:700;line-height:1.75}.article-answer-box li:before{position:absolute;top:0;left:0;color:var(--red);content:"✓";font-weight:900}.article-inline-referral{margin:30px 0 0;padding:27px;border:1px solid #ead7bc;border-radius:20px;background:linear-gradient(145deg,#fffaf3,#fff)}.article-section+.article-inline-referral{margin-top:58px}.article-inline-referral>h2,.article-inline-referral>h3{margin:0 0 12px;padding:0;border:0;background:0 0;color:var(--navy);font-size:22px;font-weight:900;letter-spacing:-.02em;line-height:1.55}.article-inline-referral>h2:before,.article-inline-referral>h2:after,.article-inline-referral>h3:before,.article-inline-referral>h3:after{content:none}.article-inline-referral>p:not(.article-inline-referral-link){margin:0;color:#415566;font-size:14px;line-height:1.95}.article-inline-referral .article-referral-code-panel{margin:22px 0 14px;padding:24px 22px;background:radial-gradient(circle at 100% 0,rgba(198,32,63,.08) 0 23%,transparent 23.5%),#fff}.article-inline-referral-link{margin:0;text-align:center}.article-inline-referral-link a{display:inline-flex;align-items:center;min-height:44px;padding:8px 2px;color:var(--red);font-size:13px;font-weight:900;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:4px}.article-inline-referral-link a:hover,.article-inline-referral-link a:focus-visible{color:#98142d}.article-referral-code-panel{display:grid;justify-items:center;margin-bottom:30px;padding:28px;overflow:hidden;border:1px solid #d7e2e8;border-radius:20px;background:radial-gradient(circle at 100% 0,rgba(198,32,63,.08) 0 23%,transparent 23.5%),linear-gradient(145deg,#f7fafb,#fff);text-align:center}.article-referral-code-status{display:inline-flex;margin-bottom:9px;padding:4px 10px;border-radius:999px;background:#eef2f4;color:var(--muted);font-size:10px;font-weight:900}.article-referral-code-panel>p:first-of-type{margin:0 0 4px;color:var(--muted);font-size:13px;font-weight:900}.article-referral-code-value{display:block;margin-bottom:13px;color:var(--navy);font-size:clamp(36px, 7vw, 52px);line-height:1.15;letter-spacing:.05em}.article-referral-code-panel>span.copy-code-feedback{min-height:18px;margin:-6px 0 6px;color:#15765d;font-size:11px;font-weight:800}.article-referral-code-note{max-width:610px;margin:0;color:#516473;font-size:12px;line-height:1.75}.article-referral-code-panel .referral-benefit-disclosure{margin-top:11px;text-align:left}.article-referral-code-step-link{display:inline-flex;align-items:center;gap:7px;margin-top:13px;padding-bottom:2px;border-bottom:1px solid rgba(198,32,63,.35);color:var(--red);font-size:12px;font-weight:900}.article-referral-code-step-link:hover,.article-referral-code-step-link:focus-visible{border-color:var(--red)}.article-referral-code-panel.is-hero{margin-bottom:0;padding:24px 20px 21px;box-shadow:11px 13px 0 rgba(198,32,63,.12)}.article-referral-code-panel.is-hero .article-referral-code-value{font-size:40px}.article-referral-code-panel.is-hero .article-referral-code-legacy{font-size:10px}.article-referral-code-legacy{display:flex;flex-wrap:wrap;justify-content:center;gap:6px 9px;width:100%;max-width:610px;margin:13px 0 0;padding-top:13px;border-top:1px solid #dce6eb;color:var(--navy);font-size:12px;font-weight:900}.article-referral-code-legacy span{padding:2px 7px;border-radius:999px;background:#fff0f2;color:var(--red);font-size:10px}.app-cta{width:100%;min-width:0;display:grid;grid-template-columns:repeat(2,minmax(0, 1fr));gap:10px;padding:18px;border:1px solid #d7e2e8;border-radius:18px;background:#fff;color:var(--navy);box-shadow:0 10px 24px rgba(16,42,67,.1);text-align:left}.app-cta-lead{grid-column:1/-1;margin:0;color:#415566;font-size:12px;font-weight:700;line-height:1.75}.app-cta-link{min-width:0;min-height:48px;display:inline-flex;align-items:center;justify-content:center;gap:7px;padding:10px 13px;border:1px solid var(--red);border-radius:12px;background:var(--red);color:var(--white);font-size:12px;font-weight:900;line-height:1.55;overflow-wrap:anywhere;text-align:center;transition:background .2s ease,border-color .2s ease,transform .2s ease}.app-cta-link:hover{border-color:#98142d;background:#98142d;color:var(--white);transform:translateY(-1px)}.app-cta-link:focus-visible{outline:3px solid #ffb4c0;outline-offset:3px}.code-card>.app-cta{max-width:430px;margin:16px 0 18px}.article-referral-code-panel>.app-cta{max-width:610px;margin-top:16px}.article-referral-code-panel.is-hero .app-cta{grid-template-columns:1fr}.article-referral-code-panel.is-hero .app-cta-lead{grid-column:auto}.article-inline-referral .app-cta{margin:0 0 8px}.referral-verification-card{margin:0 0 44px;padding:24px 25px;border:1px solid #cfe4dc;border-radius:18px;background:linear-gradient(145deg,#f1faf6,#fff)}.referral-verification-heading{display:flex;align-items:center;gap:12px;margin-bottom:14px}.referral-verification-heading>span{width:36px;height:36px;flex:0 0 auto;display:grid;place-items:center;border-radius:50%;background:#15765d;color:var(--white);font-weight:900}.referral-verification-heading small{display:block;color:#15765d;font-size:9px;font-weight:900;letter-spacing:.11em}.referral-verification-heading h2{margin:2px 0 0;color:var(--navy);font-size:19px;font-weight:900}.referral-verification-card>p{margin:0;color:#3f5a50;font-size:13px;line-height:1.9}.referral-verification-card dl{display:grid;grid-template-columns:repeat(3,minmax(0, 1fr));gap:8px;margin:18px 0 0}.referral-verification-card dl>div{min-width:0;padding:11px 12px;border-radius:11px;background:rgba(255,255,255,.88)}.referral-verification-card dt{color:#678177;font-size:9px;font-weight:800}.referral-verification-card dd{margin:3px 0 0;color:var(--navy);font-size:11px;font-weight:900}.referral-research-section,.referral-update-policy{scroll-margin-top:105px;margin-top:58px;padding-top:54px;border-top:1px solid var(--line)}.referral-research-section>h2,.referral-update-policy>h2{position:relative;margin-bottom:25px;padding:18px 21px 18px 25px;border-radius:14px;background:#eef5f8;color:var(--navy);font-size:25px;font-weight:900;letter-spacing:-.025em;line-height:1.45}.referral-research-section>h2:before,.referral-update-policy>h2:before{content:"";position:absolute;top:14px;bottom:14px;left:0;width:5px;border-radius:0 4px 4px 0;background:var(--red)}.referral-research-section>p,.referral-update-policy>p{margin-bottom:19px;color:#415566;font-size:15px;line-height:2.05}.referral-eligibility-table table{min-width:760px}.referral-eligibility-table td:nth-child(3){width:125px}.referral-eligibility-table td:last-child{width:88px}.referral-eligibility-table a{color:var(--red);font-weight:900;text-decoration:underline;text-underline-offset:3px}.research-status{display:inline-flex;padding:4px 8px;border-radius:999px;font-size:10px;font-weight:900;white-space:nowrap}.research-status.is-eligible{background:#e5f5ee;color:#12674f}.research-status.is-required{background:#edf4fa;color:#245f84}.research-status.is-excluded,.research-status.is-warning{background:#fff0f2;color:var(--red-dark)}.referral-update-policy ol{display:grid;gap:9px;margin:22px 0 0;padding:0;list-style:none}.referral-update-policy li{display:grid;grid-template-columns:116px 1fr;gap:14px;padding:13px 15px;border-radius:12px;background:#f6f9fa;color:#435969;font-size:12px;line-height:1.7}.referral-update-policy time{color:var(--navy);font-weight:900}@media (max-width:760px){.opening-research-summary{padding:22px 18px}.opening-research-summary dl,.referral-verification-card dl{grid-template-columns:1fr 1fr}.research-downloads{display:grid}.research-downloads a{justify-content:center}.referral-research-section>h2,.referral-update-policy>h2{padding:15px 15px 15px 19px;font-size:20px}.referral-research-section>p,.referral-update-policy>p{font-size:14px;line-height:1.95}.referral-update-policy li{grid-template-columns:1fr;gap:3px}.app-cta,.article-referral-code-panel.is-hero .app-cta{grid-template-columns:1fr;padding:16px 14px}.app-cta-lead,.article-referral-code-panel.is-hero .app-cta-lead{grid-column:auto}.app-cta-link{width:100%}}.article-diagram{--diagram-accent:var(--red);--diagram-soft:#fff1f3;container-type:inline-size;position:relative;min-width:0;margin:30px 0 58px;overflow:hidden;border:1px solid var(--line);border-radius:20px;background:linear-gradient(180deg,rgba(232,243,247,.38),transparent 125px),#fbfcfd;box-shadow:0 10px 28px rgba(16,42,67,.07)}.article-diagram:before{content:"";position:absolute;z-index:1;inset:0 0 auto;height:3px;background:var(--diagram-accent)}.article-diagram-d-account,.article-diagram-kinri,.article-diagram-tesuuryou{--diagram-accent:var(--navy-2);--diagram-soft:var(--sky)}.article-diagram-anzensei{--diagram-accent:#277457;--diagram-soft:var(--mint)}.article-diagram,.article-diagram *{min-width:0;overflow-wrap:anywhere}.diagram-heading{display:grid;grid-template-columns:minmax(0, 1fr) minmax(210px, 0.8fr);align-items:end;gap:28px;padding:24px 26px 19px;border-bottom:1px solid var(--line)}.diagram-heading span{display:block;margin-bottom:5px;color:var(--diagram-accent);font-size:9px;font-weight:900;letter-spacing:.11em}.diagram-heading h2{margin:0;color:var(--navy);font-size:20px;font-weight:900;letter-spacing:-.025em;line-height:1.5}.diagram-heading>p{margin:0;color:var(--muted);font-size:12px;line-height:1.75}.diagram-canvas{position:relative;padding:27px 28px 29px;background-image:radial-gradient(rgba(16,42,67,.065) .7px,transparent .7px);background-size:12px 12px}.diagram-note{display:grid;grid-template-columns:23px minmax(0, 1fr);align-items:start;gap:9px;margin:0;padding:14px 24px 15px;border-top:1px solid var(--line);background:rgba(255,255,255,.8);color:#566875;font-size:12px;line-height:1.75}.diagram-note>span{width:21px;height:21px;display:grid;place-items:center;margin-top:1px;border:1px solid rgba(16,42,67,.22);border-radius:50%;color:var(--diagram-accent);font-family:Georgia,serif;font-size:11px;font-weight:900}.diagram-timeline{position:relative;display:grid;gap:15px;margin:0;padding:0;list-style:none}.diagram-timeline:before{content:"";position:absolute;top:20px;bottom:20px;left:19px;width:2px;background:linear-gradient(var(--navy),var(--red));opacity:.18}.diagram-timeline li{position:relative;display:grid;grid-template-columns:40px 90px minmax(0, 1fr);align-items:center;gap:14px}.diagram-time-marker{position:relative;z-index:1;width:40px;height:40px;display:grid;place-items:center;border:3px solid #fbfcfd;border-radius:50%;background:var(--navy);box-shadow:0 0 0 1px rgba(16,42,67,.14)}.diagram-timeline li:first-child .diagram-time-marker,.diagram-timeline li:last-child .diagram-time-marker{background:var(--red)}.diagram-time-marker span{color:var(--white);font-family:Arial,sans-serif;font-size:10px;font-weight:900;letter-spacing:.08em}.diagram-timeline time{display:grid;color:var(--navy);font-variant-numeric:tabular-nums;line-height:1.1}.diagram-timeline time b{font-family:Arial,sans-serif;font-size:17px}.diagram-timeline time small{margin-top:4px;color:var(--muted);font-size:9px;font-weight:800}.diagram-timeline li>div:last-child{padding:13px 15px;border:1px solid var(--line);border-radius:13px;background:rgba(255,255,255,.92)}.diagram-timeline strong{display:block;margin-bottom:2px;color:var(--navy);font-size:13px}.diagram-timeline p{margin:0;color:var(--muted);font-size:12px;line-height:1.65}.diagram-flow{display:grid;grid-template-columns:repeat(4,minmax(0, 1fr));gap:22px;margin:0;padding:0;list-style:none}.diagram-flow li{position:relative;min-height:145px;padding:17px 15px 15px;border:1px solid var(--line);border-radius:14px;background:rgba(255,255,255,.94)}.diagram-flow li:not(:last-child):after{content:"";position:absolute;top:50%;right:-15px;width:8px;height:8px;border-top:2px solid var(--diagram-accent);border-right:2px solid var(--diagram-accent);transform:translateY(-50%) rotate(45deg)}.diagram-flow li.is-current{border-color:#e9aeb9;background:#fff8f8;box-shadow:inset 0 3px 0 var(--red)}.diagram-flow-number{display:inline-flex;margin-bottom:12px;color:var(--diagram-accent);font-family:Arial,sans-serif;font-size:10px;font-weight:900;letter-spacing:.08em}.diagram-flow li>small{display:block;width:fit-content;margin:-2px 0 9px;padding:3px 7px;border-radius:999px;background:#f1f4f6;color:#788690;font-size:8px;font-weight:900}.diagram-flow li.is-current>small{background:#fde9ec;color:var(--red-dark)}.diagram-flow strong{display:block;margin-bottom:5px;color:var(--navy);font-size:13px;line-height:1.45}.diagram-flow p{margin:0;color:var(--muted);font-size:12px;line-height:1.7}.diagram-optional-step{display:flex;align-items:center;justify-content:center;gap:12px;margin-top:18px;padding:12px 16px;border:1px dashed #a9bac6;border-radius:12px;background:rgba(232,243,247,.55)}.diagram-optional-step>span{padding:4px 8px;border-radius:999px;background:var(--navy);color:var(--white);font-family:Arial,sans-serif;font-size:8px;font-weight:900;letter-spacing:.08em}.diagram-optional-step p{margin:0;color:var(--muted);font-size:12px}.diagram-optional-step strong{margin-right:8px;color:var(--navy);font-size:12px}.diagram-before-after{display:grid;grid-template-columns:minmax(0, 1fr) 82px minmax(0, 1fr);align-items:stretch;gap:12px}.diagram-name-card{display:grid;align-content:center;min-height:150px;padding:20px;border:1px solid var(--line);border-radius:15px;background:var(--white)}.diagram-name-card small{margin-bottom:7px;color:var(--muted);font-size:9px;font-weight:800}.diagram-name-card strong{color:var(--navy);font-size:20px;line-height:1.45}.diagram-name-card.is-after{border-color:rgba(198,32,63,.28);background:linear-gradient(145deg,#fff 0 62%,#fff0f2 62%)}.diagram-name-card em{margin-top:9px;color:var(--red);font-size:9px;font-style:normal;font-weight:900}.diagram-change-arrow{display:grid;place-content:center;justify-items:center;color:var(--red)}.diagram-change-arrow span{margin-bottom:2px;color:var(--muted);font-size:8px;font-weight:800}.diagram-change-arrow b{font-size:27px}.diagram-unchanged-grid{display:grid;grid-template-columns:repeat(4,minmax(0, 1fr));gap:9px;margin-top:14px}.diagram-unchanged-grid>div{display:grid;align-content:center;min-height:78px;padding:12px 10px;border-radius:12px;background:var(--navy);text-align:center}.diagram-unchanged-grid strong{color:var(--white);font-family:Arial,sans-serif;font-size:15px}.diagram-unchanged-grid span{margin-top:3px;color:#bcd0dd;font-size:8px;font-weight:800;line-height:1.45}.diagram-network{position:relative;display:grid;justify-items:center}.diagram-network:before{content:"";position:absolute;top:90px;bottom:75px;left:50%;width:1px;background:rgba(23,63,95,.2)}.diagram-network-hub{position:relative;z-index:2;width:175px;display:grid;justify-items:center;padding:17px 16px 15px;border:1px solid rgba(198,32,63,.25);border-radius:18px;background:var(--white);box-shadow:0 10px 24px rgba(16,42,67,.09)}.diagram-network-hub>span{width:42px;height:42px;display:grid;place-items:center;margin-bottom:7px;border-radius:13px 13px 13px 4px;background:var(--red);color:var(--white);font-family:Arial,sans-serif;font-size:22px;font-weight:900}.diagram-network-hub strong{color:var(--navy);font-size:14px}.diagram-network-hub small{margin-top:3px;color:var(--muted);font-size:8px;font-weight:800}.diagram-network-nodes{position:relative;z-index:1;width:100%;display:grid;grid-template-columns:repeat(2,minmax(0, 1fr));gap:12px 56px;margin-top:26px}.diagram-network-node{display:grid;grid-template-columns:36px minmax(0, 1fr);align-items:center;gap:10px;padding:14px;border:1px solid var(--line);border-radius:13px;background:rgba(255,255,255,.95)}.diagram-network-node>span{width:34px;height:34px;display:grid;place-items:center;border-radius:10px;background:var(--sky);color:var(--navy);font-family:Arial,sans-serif;font-size:11px;font-weight:900}.diagram-network-node strong{display:block;color:var(--navy);font-size:13px}.diagram-network-node p{margin:2px 0 0;color:var(--muted);font-size:11px;line-height:1.55}.diagram-oneway{display:grid;grid-template-columns:minmax(0, 1fr) 28px minmax(0, 1fr) auto;align-items:center;gap:10px;margin-top:18px;padding:13px 15px;border:1px solid #efd4d8;border-radius:13px;background:#fff6f7}.diagram-oneway>span{padding:9px 10px;border-radius:10px;background:var(--white);color:var(--navy);font-size:12px;font-weight:900;text-align:center}.diagram-oneway>b{color:var(--red);font-size:20px;text-align:center}.diagram-oneway>strong{padding:5px 9px;border-radius:999px;background:var(--red);color:var(--white);font-size:10px;white-space:nowrap}.diagram-rate-formula{display:grid;grid-template-columns:minmax(0, 1fr) 22px minmax(0, 1fr) 22px minmax(0, 1.1fr);align-items:stretch;gap:7px}.diagram-rate-part,.diagram-rate-total{min-height:126px;display:grid;place-content:center;justify-items:center;padding:16px 10px;border:1px solid var(--line);border-radius:14px;background:var(--white);text-align:center}.diagram-rate-part.is-accent{border-color:rgba(198,32,63,.3);background:#fff5f6}.diagram-rate-part small,.diagram-rate-total small{margin-bottom:9px;color:var(--muted);font-size:8px;font-weight:800;line-height:1.45}.diagram-rate-part strong,.diagram-rate-total strong{color:var(--navy);font-family:Arial,sans-serif;font-size:26px;font-variant-numeric:tabular-nums;line-height:1}.diagram-rate-part strong span,.diagram-rate-total strong span{margin-left:2px;font-size:.5em}.diagram-rate-total{border-color:var(--navy);background:var(--navy)}.diagram-rate-total small,.diagram-rate-total strong{color:var(--white)}.diagram-rate-operator{display:grid;place-items:center;color:var(--red);font-size:20px;font-weight:900}.diagram-period-track{position:relative;display:grid;grid-template-columns:repeat(3,minmax(0, 1fr));gap:2px;margin-top:16px;overflow:hidden;border:1px solid var(--line);border-radius:12px;background:var(--line)}.diagram-period-track>div{display:grid;gap:3px;padding:11px 12px;background:rgba(255,255,255,.94)}.diagram-period-track span{color:var(--muted);font-size:8px;font-weight:800}.diagram-period-track b{color:var(--navy);font-size:12px;line-height:1.45}.diagram-maximum-formula{display:grid;grid-template-columns:minmax(0, 1fr) 18px minmax(0, 1fr) 18px minmax(0, 1fr) 18px minmax(0, 1.08fr);align-items:stretch;gap:6px;margin-bottom:27px}.diagram-maximum-formula>div{min-height:90px;display:grid;place-content:center;gap:6px;padding:13px 8px;border:1px solid var(--line);border-radius:12px;background:var(--white);text-align:center}.diagram-maximum-formula>div.is-total{border-color:var(--red);background:var(--red)}.diagram-maximum-formula small{color:var(--muted);font-size:9px;font-weight:800;line-height:1.4}.diagram-maximum-formula strong{color:var(--navy);font-family:Arial,sans-serif;font-size:17px;line-height:1.15}.diagram-maximum-formula>b{display:grid;place-items:center;color:var(--red);font-size:17px}.diagram-maximum-formula .is-total small,.diagram-maximum-formula .is-total strong{color:var(--white)}.diagram-compare-head{width:min(270px, 90%);display:grid;justify-items:center;margin:0 auto 24px;padding:14px 18px;border-radius:14px;background:var(--navy);color:var(--white);text-align:center}.diagram-compare-head span{color:#b9ccda;font-size:8px;font-weight:800}.diagram-compare-head strong{font-size:14px}.diagram-compare-lanes{position:relative;display:grid;grid-template-columns:repeat(2,minmax(0, 1fr));gap:16px}.diagram-compare-lanes:before,.diagram-compare-lanes:after{content:"";position:absolute;top:-24px;width:calc(25% - 8px);height:24px;border-top:1px solid rgba(16,42,67,.25)}.diagram-compare-lanes:before{left:25%;border-left:1px solid rgba(16,42,67,.25)}.diagram-compare-lanes:after{right:25%;border-right:1px solid rgba(16,42,67,.25)}.diagram-compare-lanes>section{padding:20px;border:1px solid var(--line);border-radius:15px;background:rgba(255,255,255,.95)}.diagram-compare-lanes>section:first-child{border-color:rgba(198,32,63,.28)}.diagram-lane-tag{color:var(--red);font-family:Arial,sans-serif;font-size:8px;font-weight:900;letter-spacing:.1em}.diagram-compare-lanes h3{margin:5px 0 3px;color:var(--navy);font-size:17px}.diagram-compare-lanes section>p{margin:0 0 15px;color:var(--muted);font-size:12px}.diagram-lane-result{display:grid;gap:2px;padding:12px 14px;border-radius:11px;background:#fff0f2}.diagram-lane-result.is-blue{background:var(--sky)}.diagram-lane-result small{color:var(--muted);font-size:8px;font-weight:800}.diagram-lane-result strong{color:var(--red-dark);font-family:Arial,sans-serif;font-size:18px}.diagram-lane-result.is-blue strong{color:var(--navy-2)}.diagram-interest-cards{display:grid;grid-template-columns:repeat(2,minmax(0, 1fr));gap:14px}.diagram-interest-cards>section{display:grid;justify-items:center;padding:20px 18px 18px;border:1px solid rgba(198,32,63,.25);border-radius:15px;background:#fff6f7;text-align:center}.diagram-interest-cards>section.is-blue{border-color:rgba(23,63,95,.25);background:var(--sky)}.diagram-interest-cards span{color:var(--navy);font-size:13px;font-weight:900}.diagram-interest-cards>section>strong{margin:7px 0 12px;color:var(--red);font-family:Arial,sans-serif;font-size:27px;font-variant-numeric:tabular-nums;line-height:1}.diagram-interest-cards .is-blue>strong{color:var(--navy-2)}.diagram-interest-cards>section>strong small{margin-left:2px;font-size:.5em}.diagram-interest-cards p{margin:0;color:var(--muted);font-size:11px;line-height:1.65}.diagram-interest-cards p b{color:var(--navy);font-size:13px}.diagram-interest-difference{margin:14px 0 0;color:var(--muted);font-size:12px;text-align:center}.diagram-interest-difference strong{margin-left:5px;color:var(--navy);font-size:15px}.diagram-not-equal{display:grid;grid-template-columns:auto 32px minmax(0, 1fr);align-items:center;gap:12px;margin-top:24px;padding:15px 18px;border:1px solid #efd4d8;border-radius:13px;background:#fff6f7}.diagram-not-equal>span{color:var(--red);font-family:Arial,sans-serif;font-size:21px;font-weight:900}.diagram-not-equal>b{color:var(--red-dark);font-size:22px;text-align:center}.diagram-not-equal p{margin:0;color:var(--muted);font-size:11px;line-height:1.5}.diagram-not-equal p strong{display:block;color:var(--navy);font-size:12px}.diagram-fee-grid{display:grid;grid-template-columns:repeat(2,minmax(0, 1fr));gap:16px}.diagram-fee-grid>section{overflow:hidden;border:1px solid var(--line);border-radius:15px;background:rgba(255,255,255,.95)}.diagram-fee-grid header{padding:16px 18px 14px;background:var(--navy)}.diagram-fee-grid header span{color:#a9c0cf;font-family:Arial,sans-serif;font-size:8px;font-weight:900;letter-spacing:.1em}.diagram-fee-grid h3{margin:3px 0 0;color:var(--white);font-size:15px}.diagram-fee-route{display:grid;grid-template-columns:minmax(0, 1fr) auto;gap:2px 10px;padding:15px 17px}.diagram-fee-route+.diagram-fee-route{border-top:1px solid var(--line)}.diagram-fee-route small{grid-column:1/-1;color:var(--muted);font-size:8px;font-weight:800}.diagram-fee-route strong{color:var(--navy);font-size:13px}.diagram-fee-route b{color:var(--red);font-family:Arial,sans-serif;font-size:13px}.diagram-fee-route.is-free{background:var(--mint)}.diagram-fee-route.is-free b{color:#277457}.diagram-security-layers{display:grid;gap:10px;margin:0;padding:0;list-style:none}.diagram-security-layers li{display:grid;grid-template-columns:58px minmax(0, 1fr);align-items:center;gap:15px;padding:15px 18px;border:1px solid var(--line);border-left:4px solid var(--navy);border-radius:13px;background:rgba(255,255,255,.95);box-shadow:0 5px 14px rgba(16,42,67,.045)}.diagram-security-layers li:nth-child(2){margin-inline:13px}.diagram-security-layers li:nth-child(3){margin-inline:26px}.diagram-security-layers li:nth-child(4){margin-inline:39px;border-left-color:#277457;background:var(--mint)}.diagram-security-layers li>span{display:grid;place-items:center;padding:5px 8px;border-radius:999px;background:var(--sky);color:var(--navy);font-family:Arial,sans-serif;font-size:9px;font-weight:900;letter-spacing:.06em}.diagram-security-layers strong{display:block;color:var(--navy);font-size:13px}.diagram-security-layers p{margin:2px 0 0;color:var(--muted);font-size:12px;line-height:1.6}.diagram-branch-total{display:flex;align-items:baseline;justify-content:space-between;gap:16px;margin-bottom:14px;padding:15px 20px;border-radius:15px;background:linear-gradient(135deg,var(--navy),#173d5f);color:var(--white)}.diagram-branch-total>span{font-size:12px;font-weight:800;letter-spacing:.08em}.diagram-branch-total strong{font-family:Arial,sans-serif;font-size:34px;line-height:1}.diagram-branch-total small{margin-left:5px;font-size:12px}.diagram-branch-groups{display:grid;grid-template-columns:repeat(3,minmax(0, 1fr));gap:10px}.diagram-branch-groups>section{display:grid;grid-template-columns:40px minmax(0, 1fr);align-items:center;gap:11px;padding:15px 13px;border:1px solid var(--line);border-radius:14px;background:rgba(255,255,255,.96)}.diagram-branch-groups>section>span{display:grid;width:40px;height:40px;place-items:center;border-radius:12px;background:var(--diagram-soft);color:var(--diagram-accent);font-family:Arial,sans-serif;font-size:13px;font-weight:900}.diagram-branch-groups small{color:var(--diagram-accent);font-size:9px;font-weight:900}.diagram-branch-groups h3{margin:1px 0 2px;color:var(--navy);font-size:12px}.diagram-branch-groups p{margin:0;color:var(--muted);font-family:Arial,sans-serif;font-size:9px;line-height:1.55}.diagram-branch-assignment{display:grid;grid-template-columns:minmax(0, 1fr) 26px minmax(0, 1.3fr) auto;align-items:center;gap:10px;margin-top:12px;padding:12px 14px;border:1px solid rgba(217,0,46,.16);border-radius:13px;background:#fff4f5;color:var(--navy);font-size:10px}.diagram-branch-assignment>span{font-weight:800}.diagram-branch-assignment>b{color:var(--red);font-size:20px;text-align:center}.diagram-branch-assignment>strong{font-size:11px}.diagram-branch-assignment>em{padding:5px 8px;border-radius:999px;background:var(--red);color:var(--white);font-size:9px;font-style:normal;font-weight:900;white-space:nowrap}@container (max-width:560px){.diagram-heading{grid-template-columns:1fr;gap:9px;padding:20px 17px 16px}.diagram-heading h2{font-size:17px}.diagram-heading>p{font-size:10px}.diagram-canvas{padding:20px 15px 22px}.diagram-note{padding:13px 16px 14px;font-size:10px}.diagram-timeline li{grid-template-columns:40px minmax(0, 1fr);gap:7px 11px}.diagram-timeline time{align-self:end}.diagram-timeline li>div:last-child{grid-column:2;padding:12px 13px}.diagram-flow{grid-template-columns:1fr;gap:24px}.diagram-flow li{min-height:0;padding:16px}.diagram-flow li:not(:last-child):after{top:auto;right:auto;bottom:-17px;left:50%;transform:translateX(-50%) rotate(135deg)}.diagram-optional-step{align-items:flex-start;flex-direction:column}.diagram-optional-step strong{display:block;margin:0 0 2px}.diagram-before-after{grid-template-columns:1fr}.diagram-name-card{min-height:125px}.diagram-change-arrow{min-height:42px}.diagram-change-arrow b{transform:rotate(90deg)}.diagram-unchanged-grid{grid-template-columns:repeat(2,minmax(0, 1fr))}.diagram-network:before{display:none}.diagram-network-nodes{grid-template-columns:1fr;gap:9px;margin-top:16px}.diagram-oneway{grid-template-columns:1fr 24px 1fr;gap:7px}.diagram-oneway>strong{grid-column:1/-1;justify-self:center}.diagram-rate-formula{grid-template-columns:1fr}.diagram-rate-part,.diagram-rate-total{min-height:92px}.diagram-rate-operator{min-height:20px}.diagram-period-track{grid-template-columns:1fr}.diagram-maximum-formula{grid-template-columns:1fr;gap:5px}.diagram-maximum-formula>div{min-height:78px}.diagram-maximum-formula>b{min-height:18px}.diagram-compare-head{margin-bottom:15px}.diagram-compare-lanes{grid-template-columns:1fr}.diagram-compare-lanes:before,.diagram-compare-lanes:after{display:none}.diagram-interest-cards{grid-template-columns:1fr}.diagram-not-equal{grid-template-columns:1fr 28px 1.2fr;gap:7px;padding:13px}.diagram-not-equal>span{font-size:16px}.diagram-fee-grid{grid-template-columns:1fr}.diagram-security-layers li,.diagram-security-layers li:nth-child(n){grid-template-columns:1fr;gap:8px;margin-inline:0;padding:14px 15px}.diagram-security-layers li>span{width:fit-content}.diagram-branch-groups{grid-template-columns:1fr}.diagram-branch-assignment{grid-template-columns:1fr 24px 1.15fr}.diagram-branch-assignment>em{grid-column:1/-1;justify-self:center}}.article-section{scroll-margin-top:105px}.article-section+.article-section,.article-faq,.article-sources,.article-main-cta{margin-top:58px;padding-top:54px;border-top:1px solid var(--line)}.article-section h2,.article-faq>h2,.article-sources h2{position:relative;margin-bottom:25px;padding:18px 21px 18px 25px;border-radius:14px;background:#eef5f8;color:var(--navy);font-size:25px;font-weight:900;letter-spacing:-.025em;line-height:1.45}.article-section h2:before,.article-faq>h2:before,.article-sources h2:before{content:"";position:absolute;top:14px;bottom:14px;left:0;width:5px;border-radius:0 4px 4px 0;background:var(--red)}.article-section>h3{margin:30px 0 14px;padding-bottom:10px;border-bottom:2px solid #edf1f4;color:var(--navy);font-size:19px;font-weight:900;line-height:1.55}.article-section>p,.article-sources>p{margin-bottom:19px;color:#415566;font-size:15px;line-height:2.05}.article-section-media{min-width:0;max-width:100%;margin:27px 0 31px}.article-section-media-frame{position:relative;min-width:0;min-height:220px;display:grid;place-items:center;overflow:hidden;padding:22px 28px;border:1px solid #e0e8ed;border-radius:19px;background:radial-gradient(circle at 12% 16%,rgba(198,32,63,.055),transparent 30%),radial-gradient(circle at 88% 84%,rgba(36,101,139,.075),transparent 32%),#fff;box-shadow:0 10px 26px rgba(16,42,67,.065)}.article-section-media-frame:before{content:"";position:absolute;inset:0 0 auto;height:3px;background:linear-gradient(90deg,var(--red),#dc667c 38%,var(--navy-2))}.article-section-media img{position:relative;z-index:1;display:block;width:min(100%, 483px);max-width:100%;height:auto;object-fit:contain}.article-section-media figcaption{max-width:530px;margin:11px auto 0;color:#6b7c88;font-size:11px;line-height:1.75;text-align:center}.article-bullets{display:grid;gap:10px;margin:24px 0;padding:21px 24px 21px 46px;border-radius:15px;background:#f6f9fa}.article-bullets li{color:#415566;font-size:14px;line-height:1.75}.article-bullets li::marker{color:var(--red)}.article-steps{display:grid;gap:13px;margin:28px 0;padding:0;list-style:none}.article-steps li{display:grid;grid-template-columns:42px 1fr;gap:15px;padding:19px 20px;border:1px solid var(--line);border-radius:15px;background:var(--white)}.article-steps li>span{width:37px;height:37px;display:grid;place-items:center;border-radius:12px 12px 12px 4px;background:var(--red);color:var(--white);font-family:Arial,sans-serif;font-size:14px;font-weight:900}.article-steps h3{margin:0 0 5px;color:var(--navy);font-size:16px;font-weight:900}.article-steps p{margin:0;color:var(--muted);font-size:13px;line-height:1.75}.article-table-wrap{max-width:100%;overflow-x:auto;margin:28px 0;border:1px solid var(--line);border-radius:15px;background:var(--white);-webkit-overflow-scrolling:touch}.article-table-wrap table{width:100%;min-width:570px;border-collapse:collapse;color:#405464;font-size:12px;line-height:1.65}.article-table-wrap caption{padding:13px 16px;background:#f5f8f9;color:var(--navy);text-align:left;font-weight:900}.article-table-wrap th,.article-table-wrap td{padding:13px 15px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.article-table-wrap tr:last-child>*{border-bottom:0}.article-table-wrap tr>*:last-child{border-right:0}.article-table-wrap thead th{background:var(--navy);color:var(--white);font-weight:900}.article-table-wrap tbody th{min-width:125px;background:#f4f8fa;color:var(--navy);font-weight:900}.article-note{margin:26px 0 0;padding:20px 22px;border:1px solid #f0d0d4;border-radius:15px;background:#fff5f6;color:#60464d;font-size:13px;line-height:1.85}.article-note strong{display:block;margin-bottom:4px;color:var(--red-dark);font-size:12px}.article-faq .section-kicker{margin-bottom:8px}.article-faq-list{border-top:1px solid var(--line)}.article-faq-list details{border-bottom:1px solid var(--line)}.article-faq-list summary{position:relative;padding:21px 45px 21px 43px;color:var(--navy);cursor:pointer;list-style:none;font-size:15px;font-weight:900;line-height:1.6}.article-faq-list summary::-webkit-details-marker{display:none}.article-faq-list summary:before{content:"Q";position:absolute;top:20px;left:4px;width:27px;height:27px;display:grid;place-items:center;border-radius:9px 9px 9px 3px;background:var(--navy);color:var(--white);font-family:Arial,sans-serif;font-size:12px;font-weight:900}.article-faq-list summary:after{content:"+";position:absolute;top:21px;right:6px;width:27px;height:27px;display:grid;place-items:center;border:1px solid var(--line);border-radius:50%;color:var(--red);font-weight:900}.article-faq-list details[open] summary:after{content:"−";background:var(--red);color:var(--white)}.article-faq-list details>p{margin:0;padding:0 22px 23px 43px;color:var(--muted);font-size:14px;line-height:1.9}.article-sources ul{display:grid;gap:9px;margin:20px 0 0;padding:0;list-style:none}.article-sources a{display:flex;align-items:center;justify-content:space-between;gap:15px;padding:13px 16px;border:1px solid var(--line);border-radius:11px;color:var(--navy);font-size:12px;font-weight:800}.article-sources a:hover,.article-sources a:focus-visible{border-color:rgba(198,32,63,.45);color:var(--red)}.article-author-card{margin-top:58px;padding:25px 27px;border:1px solid #d7e2e8;border-left:5px solid var(--red);border-radius:17px;background:linear-gradient(145deg,#f7fafb,#fff)}.article-author-heading{margin:0 0 7px;color:var(--navy);font-size:18px;font-weight:900;line-height:1.55}.article-author-heading a{color:var(--red);text-decoration:underline;text-underline-offset:3px}.article-author-role{margin:0 0 12px;color:var(--navy-2);font-size:11px;font-weight:900}.article-author-bio,.article-author-disclosure{margin:0;color:#4d6170;font-size:13px;line-height:1.85}.article-author-disclosure{margin-top:10px;padding:10px 12px;border-radius:10px;background:#fff4df;color:#664d1f;font-size:11px}.article-author-link{display:inline-flex;align-items:center;gap:6px;margin-top:14px;color:var(--red);font-size:12px;font-weight:900}.article-main-cta{display:flex;align-items:center;justify-content:space-between;gap:25px;margin-top:58px;padding:30px;border:0;border-radius:20px;background:var(--navy);color:var(--white)}.article-main-cta p{margin:0 0 3px;color:#b8ccd9;font-size:11px;font-weight:800}.article-main-cta h2{max-width:440px;margin:0;color:var(--white);font-size:18px;font-weight:900;line-height:1.5}.article-main-cta .button{flex:0 0 auto;border:1px solid rgba(255,255,255,.25)}.related-guides{padding:82px 0 94px;border-top:1px solid var(--line);background:var(--white)}.related-guides-heading{margin-bottom:30px}.related-guides-heading h2{margin:0;color:var(--navy);font-size:30px;font-weight:900;letter-spacing:-.035em}.related-guides-grid{display:grid;grid-template-columns:repeat(4,minmax(0, 1fr));gap:17px}.related-guide-card{min-width:0;display:flex;flex-direction:column;padding:25px 23px;border:1px solid var(--line);border-radius:18px;background:#fbfcfd;transition:transform .16s ease,border-color .16s ease,box-shadow .16s ease}.related-guide-card:hover,.related-guide-card:focus-visible{border-color:rgba(198,32,63,.35);box-shadow:0 10px 25px rgba(16,42,67,.08);transform:translateY(-3px)}.related-guide-card>span{margin-bottom:8px;color:var(--red);font-size:9px;font-weight:900;letter-spacing:.09em}.related-guide-card h3{margin-bottom:10px;color:var(--navy);font-size:17px;font-weight:900;line-height:1.55}.related-guide-card p{flex:1;margin-bottom:15px;color:var(--muted);font-size:12px;line-height:1.75}.related-guide-card b{color:var(--red);font-size:11px}.related-guide-card i{margin-left:4px;font-style:normal}.article-footer-legal{display:flex;align-items:center;justify-content:space-between;gap:30px;margin-top:34px;padding-top:20px;border-top:1px solid rgba(255,255,255,.09);color:#7f98a9;font-size:10px}.article-footer-legal>div{display:flex;flex-wrap:wrap;gap:9px 22px}.article-footer-legal a:hover,.article-footer-legal a:focus-visible{color:var(--white);text-decoration:underline}.article-diagram-d-pay{--diagram-accent:var(--navy-2);--diagram-soft:var(--sky)}.diagram-d-pay-flow{display:grid;grid-template-columns:repeat(4,minmax(0, 1fr));gap:10px;margin:0 0 18px;padding:0;list-style:none}.diagram-d-pay-flow li{position:relative;display:grid;align-content:start;gap:12px;min-height:145px;padding:17px 15px;border:1px solid rgba(16,42,67,.12);border-radius:16px;background:rgba(255,255,255,.92)}.diagram-d-pay-flow li:not(:last-child):after{content:"→";position:absolute;z-index:2;top:50%;right:-11px;display:grid;width:20px;height:20px;place-items:center;border-radius:50%;background:var(--navy-2);color:var(--white);font-size:10px;font-weight:900;transform:translateY(-50%)}.diagram-d-pay-flow li>span{width:31px;height:31px;display:grid;place-items:center;border-radius:10px;background:var(--sky);color:var(--navy-2);font-family:Arial,sans-serif;font-size:10px;font-weight:900}.diagram-d-pay-flow strong{display:block;margin-bottom:6px;color:var(--navy);font-size:14px;font-weight:900}.diagram-d-pay-flow p{margin:0;color:var(--muted);font-size:11px;line-height:1.65}.diagram-d-pay-limits{display:grid;grid-template-columns:repeat(4,minmax(0, 1fr));overflow:hidden;border:1px solid rgba(16,42,67,.14);border-radius:15px;background:var(--white)}.diagram-d-pay-limits p{display:grid;gap:5px;margin:0;padding:14px 12px;text-align:center}.diagram-d-pay-limits p+p{border-left:1px solid var(--line)}.diagram-d-pay-limits small{color:var(--muted);font-size:9px;font-weight:800}.diagram-d-pay-limits strong{color:var(--navy);font-size:12px;font-weight:900}.diagram-d-pay-limits .is-free{background:var(--navy)}.diagram-d-pay-limits .is-free small,.diagram-d-pay-limits .is-free strong{color:var(--white)}.article-calculator{position:relative;min-width:0;margin:45px 0 58px;overflow:hidden;border:1px solid rgba(16,42,67,.14);border-radius:22px;background:#fbfcfd;box-shadow:0 12px 32px rgba(16,42,67,.08)}.article-calculator:before{content:"";position:absolute;inset:0 0 auto;height:4px;background:linear-gradient(90deg,var(--navy-2),var(--red))}.calculator-heading{display:grid;grid-template-columns:minmax(0, 1fr) minmax(210px, 0.8fr);align-items:end;gap:28px;padding:26px 27px 21px;border-bottom:1px solid var(--line);background:radial-gradient(circle at 94% 10%,rgba(198,32,63,.09) 0 34px,transparent 35px),var(--white)}.calculator-heading span{display:block;margin-bottom:6px;color:var(--red);font-size:9px;font-weight:900;letter-spacing:.12em}.calculator-heading h2{margin:0;color:var(--navy);font-size:21px;font-weight:900;letter-spacing:-.025em;line-height:1.45}.calculator-heading>p{margin:0;color:var(--muted);font-size:12px;line-height:1.75}.calculator-form{display:grid;grid-template-columns:repeat(2,minmax(0, 1fr));gap:16px;padding:25px 27px 22px}.calculator-form>label{display:grid;gap:8px}.calculator-form>label>span:first-child,.calculator-form legend{color:var(--navy);font-size:11px;font-weight:900}.calculator-form input[type=number],.calculator-form select{width:100%;min-height:48px;padding:0 13px;border:1px solid rgba(16,42,67,.2);border-radius:12px;background:var(--white);color:var(--navy);font:inherit;font-size:14px;font-weight:800;outline:none}.calculator-form input[type=number]:focus,.calculator-form select:focus{border-color:var(--navy-2);box-shadow:0 0 0 3px rgba(25,107,159,.12)}.calculator-input-suffix{position:relative;display:block}.calculator-input-suffix input{padding-right:42px !important}.calculator-input-suffix b{position:absolute;top:50%;right:14px;color:var(--muted);font-size:11px;transform:translateY(-50%)}.calculator-form button{min-height:49px;align-self:end;border:0;border-radius:13px;background:var(--navy);box-shadow:0 6px 15px rgba(16,42,67,.18);color:var(--white);cursor:pointer;font:inherit;font-size:13px;font-weight:900;transition:background .2s ease,transform .2s ease}.calculator-form button:hover,.calculator-form button:focus-visible{background:var(--red);transform:translateY(-1px)}.calculator-results{display:grid;gap:13px;margin:0 27px 21px;padding:20px;border:1px solid rgba(16,42,67,.12);border-radius:17px;background:linear-gradient(135deg,rgba(232,243,247,.68),rgba(255,248,237,.7)),var(--white)}.calculator-interest-results{grid-template-columns:repeat(2,minmax(0, 1fr))}.calculator-interest-results article{padding:17px;border-radius:14px;background:rgba(255,255,255,.9)}.calculator-results article>span{display:block;color:var(--navy);font-size:12px;font-weight:900}.calculator-results article>small{display:block;margin:3px 0 13px;color:var(--muted);font-size:10px}.calculator-interest-results article p{display:flex;align-items:baseline;justify-content:space-between;gap:10px;margin:5px 0 0;color:var(--muted);font-size:10px}.calculator-interest-results article strong{color:var(--red);font-size:20px;font-weight:900}.calculator-interest-results article b{color:var(--navy);font-size:13px}.calculator-summary{grid-column:1/-1;margin:0;color:#4b5e6c;font-size:11px;text-align:center}.calculator-summary strong{color:var(--navy-2);font-weight:900}.calculator-caution{margin:0;padding:0 27px 23px;color:var(--muted);font-size:10px;line-height:1.75}.calculator-form-fees{grid-template-columns:repeat(2,minmax(0, 1fr))}.calculator-form-fees button{grid-column:1/-1}.calculator-fee-results,.calculator-reward-results{grid-template-columns:minmax(0, 1fr) minmax(210px, 0.68fr);align-items:center}.calculator-fee-breakdown,.calculator-reward-breakdown{display:grid;gap:9px}.calculator-fee-breakdown p,.calculator-reward-breakdown p{display:flex;align-items:baseline;justify-content:space-between;gap:15px;margin:0;padding:11px 13px;border-radius:11px;background:rgba(255,255,255,.88);color:#516472;font-size:10px}.calculator-fee-breakdown strong,.calculator-reward-breakdown strong{color:var(--navy);font-size:14px;font-weight:900}.calculator-fee-results article,.calculator-reward-results article{display:grid;gap:4px;padding:20px 16px;border-radius:14px;background:var(--navy);text-align:center}.calculator-fee-results article>span,.calculator-reward-results article>span{color:rgba(255,255,255,.78);font-size:10px}.calculator-fee-results article>strong,.calculator-reward-results article>strong{color:var(--white);font-size:27px;font-weight:900}.calculator-fee-results article>small,.calculator-reward-results article>small{margin:2px 0 0;color:rgba(255,255,255,.78);font-size:9px}.calculator-fee-results article b,.calculator-reward-results article b{color:var(--white)}.calculator-form-reward{grid-template-columns:minmax(0, 0.65fr) minmax(0, 1.35fr);align-items:start}.calculator-form-reward fieldset{display:grid;gap:9px;margin:0;padding:0;border:0}.calculator-form-reward legend{margin-bottom:8px}.calculator-check{display:grid;grid-template-columns:18px minmax(0, 1fr);align-items:start;gap:9px;color:#4a5e6c;cursor:pointer;font-size:10px;line-height:1.6}.calculator-check input{width:17px;height:17px;margin:0;accent-color:var(--red)}.calculator-form-reward button{grid-column:1/-1}@media (max-width:980px){.article-hero-inner{grid-template-columns:minmax(0, 1fr) 290px;gap:35px}.article-layout{grid-template-columns:205px minmax(0, 1fr);gap:28px}.article-body{padding:43px 38px 50px}.related-guides-grid{grid-template-columns:repeat(2,minmax(0, 1fr))}.diagram-d-pay-flow{grid-template-columns:repeat(2,minmax(0, 1fr))}.diagram-d-pay-flow li:not(:last-child):after{display:none}}@media (max-width:760px){.article-site-header{position:relative}.article-header-inner{min-height:70px}.article-header-actions .header-updated{display:none}.article-home-button{min-height:38px;padding-inline:12px;font-size:10px}.article-breadcrumb{max-width:calc(100% - 28px);padding-top:15px;overflow:hidden;white-space:nowrap}.article-breadcrumb span:last-child{overflow:hidden;text-overflow:ellipsis}.article-hero{padding:30px 0 48px}.article-hero-inner{grid-template-columns:1fr;gap:27px}.article-hero-copy h1{margin-bottom:16px;font-size:31px;line-height:1.38}.article-lead{font-size:14px;line-height:1.9}.article-hero-card{padding:23px 21px;box-shadow:7px 8px 0 rgba(198,32,63,.12)}.article-layout{display:block;width:min(100% - 28px, 620px);padding-top:32px;padding-bottom:64px}.article-toc{position:static;margin-bottom:18px}.article-body{padding:30px 20px 38px;border-radius:20px}.article-answer-box{padding:21px 19px}.article-answer-box p,.article-answer-box li{font-size:14px}.article-inline-referral{margin-top:24px;padding:20px 17px;border-radius:17px}.article-section+.article-inline-referral{margin-top:44px}.article-inline-referral>h2,.article-inline-referral>h3{font-size:18px}.article-inline-referral>p:not(.article-inline-referral-link){font-size:13px;line-height:1.85}.article-inline-referral .article-referral-code-panel{margin-top:18px;padding:21px 14px}.article-inline-referral-link a{font-size:12px}.article-referral-code-panel{padding:24px 18px}.article-referral-code-value{font-size:40px}.article-referral-code-note{font-size:11px}.article-author-card{margin-top:44px;padding:21px 18px}.article-author-heading{font-size:16px}.article-author-bio,.article-author-disclosure{font-size:12px}.article-section+.article-section,.article-faq,.article-sources,.article-main-cta{margin-top:44px;padding-top:40px}.article-section h2,.article-faq>h2,.article-sources h2{padding:15px 15px 15px 19px;font-size:20px}.article-section>h3{font-size:17px}.article-section>p,.article-sources>p{font-size:14px;line-height:1.95}.article-section-media{margin:22px 0 26px}.article-section-media-frame{min-height:162px;padding:13px 10px;border-radius:15px}.article-section-media figcaption{margin-top:9px;padding-inline:5px;font-size:10px}.article-bullets{padding:18px 18px 18px 38px}.article-steps li{grid-template-columns:36px 1fr;gap:11px;padding:16px 14px}.article-steps li>span{width:33px;height:33px}.article-table-wrap{margin-inline:-5px}.diagram-d-pay-flow,.diagram-d-pay-limits,.calculator-heading,.calculator-form,.calculator-form-fees,.calculator-form-reward,.calculator-interest-results,.calculator-fee-results,.calculator-reward-results{grid-template-columns:1fr}.diagram-d-pay-flow li{min-height:0;grid-template-columns:31px minmax(0, 1fr);align-items:start}.diagram-d-pay-limits p+p{border-top:1px solid var(--line);border-left:0}.article-calculator{margin:38px 0 49px;border-radius:18px}.calculator-heading{gap:9px;padding:23px 19px 18px}.calculator-heading h2{font-size:19px}.calculator-form{gap:15px;padding:20px 19px 18px}.calculator-form button,.calculator-form-fees button,.calculator-form-reward button{grid-column:auto}.calculator-results{margin:0 19px 18px;padding:15px}.calculator-caution{padding:0 19px 20px}.article-main-cta{display:block;padding:24px 21px;text-align:center}.article-main-cta h2{margin-inline:auto}.article-main-cta .button{width:100%;margin-top:18px}.related-guides{padding:62px 0 70px}.related-guides-grid{grid-template-columns:1fr}.article-footer-legal{align-items:flex-start;flex-direction:column}}@media (max-width:430px){.article-header-inner .site-brand span{max-width:150px;line-height:1.35}.article-home-button{max-width:105px;line-height:1.35;text-align:center}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition-duration:.01ms !important}}