:root{
  --navy:#0D1B2A; --navy2:#1A2C3E; --navy3:#243549;
  --ivory:#F4F2EE; --ivory2:#EAE7E1;
  --steel:#2C5282; --steel2:#3A6EA5;
  --gold:#C9A96E; --gold2:#E8C98A; --gold3:#7D6234;
  --line:#05803A; --line2:#03562A;
  --t1:#0D1B2A; --t2:#3D4F61; --t3:#4E6278;
  --bg:#F4F2EE; --surf:#FFFFFF;
  --border:#D8D2CA; --border2:#BFB9B0;
  --fs:"Hiragino Mincho ProN","Yu Mincho","MS PMincho",serif; --fb:"Hiragino Kaku Gothic ProN","Hiragino Sans","Yu Gothic","Meiryo",system-ui,sans-serif;
  --r:12px; --r2:20px;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--bg);color:var(--t1);font-family:var(--fb);font-weight:400;line-height:1.8;overflow-x:hidden;padding-top:72px}
img{max-width:100%;height:auto;display:block}
a{text-decoration:none;color:inherit}
ul{list-style:none}
a:focus-visible,button:focus-visible{outline:2px solid var(--gold);outline-offset:2px;border-radius:4px}
@media(prefers-reduced-motion:reduce){*{animation-duration:.01ms!important;transition-duration:.01ms!important}}
.wrap{max-width:1160px;margin:0 auto;padding:0 28px}
.sec{padding:80px 0}
.sec-sm{padding:52px 0}
.ctr{text-align:center}
.lbl{display:inline-block;font-family:var(--fb);font-size:11px;font-weight:700;letter-spacing:3px;color:var(--gold);text-transform:uppercase;padding:0 0 4px;border-bottom:1.5px solid var(--gold);margin-bottom:14px}
.ttl{font-family:var(--fs);font-size:clamp(24px,3.5vw,40px);font-weight:700;line-height:1.3;color:var(--t1);margin-bottom:16px}
.ttl .ac{color:var(--steel)}
.sub{font-size:15px;color:var(--t2);max-width:640px;line-height:1.9}
.fu{opacity:0;transform:translateY(22px);transition:opacity .6s ease,transform .6s ease}
.fu.vis{opacity:1;transform:translateY(0)}
.fu:nth-child(2){transition-delay:.08s}
.fu:nth-child(3){transition-delay:.16s}
.fu:nth-child(4){transition-delay:.24s}
.fu:nth-child(5){transition-delay:.32s}
.fu:nth-child(6){transition-delay:.40s}

/* HEADER */
header{position:fixed;top:0;left:0;right:0;z-index:1000;background:rgba(248,246,242,.97);backdrop-filter:blur(16px);border-bottom:1px solid var(--border);height:72px}
.hi{display:flex;align-items:center;justify-content:space-between;height:72px;gap:12px}
.logo{display:flex;align-items:center;gap:10px;flex-shrink:0}
.logo-mark{width:42px;height:42px;background:var(--navy);border-radius:10px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:2px}
.logo-mark-dou{font-family:var(--fs);font-size:17px;font-weight:700;color:var(--gold);line-height:1}
.logo-mark-en{font-family:var(--fb);font-size:7px;font-weight:700;letter-spacing:1.5px;color:rgba(255,255,255,.7);line-height:1}
.logo-text{display:flex;flex-direction:column;gap:1px}
.logo-name{font-family:var(--fs);font-size:18px;font-weight:700;color:var(--navy);letter-spacing:.5px;line-height:1.2}
.logo-sub{font-size:10px;color:var(--t3);letter-spacing:.5px}
.hn{display:none;gap:2px;align-items:center}
@media(min-width:960px){.hn{display:flex}}
.hn a{font-size:13px;font-weight:500;color:var(--t2);white-space:nowrap;padding:8px 16px;border-radius:8px;transition:all .2s}
.hn a:hover,.hn a.active{background:var(--ivory2);color:var(--navy)}
.hct{display:flex;align-items:center;gap:10px;flex-shrink:0}
.htel-wrap{display:none;flex-direction:column;align-items:flex-end;gap:1px;padding-right:12px;border-right:1px solid var(--border)}
@media(min-width:860px){.htel-wrap{display:flex}}
.htel-num{font-family:var(--fb);font-size:20px;font-weight:700;color:var(--navy);line-height:1}
.htel-note{font-size:10px;color:var(--t3)}
.btn-line-h{display:inline-flex;align-items:center;gap:6px;background:var(--line);color:#fff;font-weight:700;font-size:13px;height:44px;padding:0 14px;border-radius:8px;white-space:nowrap;box-shadow:0 3px 0 var(--line2);transition:all .2s}
.btn-line-h:hover{transform:translateY(-1px);box-shadow:0 5px 0 var(--line2)}
.btn-tel-h{display:none;align-items:center;gap:6px;background:var(--steel);color:#fff;font-weight:700;font-size:13px;height:44px;padding:0 14px;border-radius:8px;white-space:nowrap;box-shadow:0 3px 0 #1e3a6e;transition:all .2s}
@media(max-width:860px){.btn-tel-h{display:inline-flex}}
.btn-tel-h:hover{transform:translateY(-1px)}
.menu-toggle{display:none;background:none;border:none;cursor:pointer;padding:11px;font-size:22px;color:var(--navy);min-width:44px;min-height:44px}
@media(max-width:959.98px){.menu-toggle{display:block}}
.nav-mobile{display:none;position:fixed;top:72px;left:0;right:0;background:var(--surf);border-bottom:1px solid var(--border);z-index:999;padding:16px 20px;flex-direction:column;gap:4px;box-shadow:0 8px 24px rgba(0,0,0,.1)}
.nav-mobile.open{display:flex}
.nav-mobile a{font-size:15px;font-weight:500;color:var(--t1);padding:14px 16px;min-height:44px;box-sizing:border-box;border-radius:8px;border-bottom:1px solid var(--border)}
.nav-mobile a:hover{background:var(--ivory2);color:var(--navy)}
.li-svg{width:18px;height:18px;fill:currentColor;display:inline-block;vertical-align:middle}

/* PAGE HERO */
.page-hero{background-color:var(--navy);background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 55%,var(--navy3) 100%);padding:64px 0 56px;position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;right:-5%;top:50%;transform:translateY(-50%);width:min(45vw,500px);height:min(45vw,500px);border-radius:50%;background:radial-gradient(circle,rgba(58,110,165,.18) 0%,transparent 70%);pointer-events:none}
.ph-inner{position:relative;z-index:1}
.ph-breadcrumb{display:flex;align-items:center;gap:8px;font-size:12px;color:rgba(255,255,255,.5);margin-bottom:20px}
.ph-breadcrumb a{color:rgba(255,255,255,.5);transition:color .2s}
.ph-breadcrumb a:hover{color:var(--gold2)}
.ph-breadcrumb span{color:rgba(255,255,255,.5)}
.ph-eyebrow{display:inline-block;font-size:11px;font-weight:700;letter-spacing:3px;color:var(--gold);text-transform:uppercase;border-bottom:1.5px solid var(--gold);padding-bottom:5px;margin-bottom:18px}
.ph-h1{font-family:var(--fs);font-size:clamp(24px,4vw,46px);font-weight:700;color:#fff;line-height:1.3;margin-bottom:16px}
.ph-h1 .ac{color:var(--gold)}
.ph-desc{font-size:15px;color:rgba(255,255,255,.8);line-height:2;max-width:580px;margin-bottom:28px}
.ph-badges{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:32px}
.ph-badge{display:inline-flex;align-items:center;gap:5px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);color:#fff;font-size:13px;font-weight:700;padding:7px 14px;border-radius:20px}
.ph-badge--em{background:rgba(201,169,110,.22);border:1px solid rgba(201,169,110,.55);color:var(--gold2);font-size:14px;padding:8px 16px}
.ph-stats{display:flex;gap:0;border:1px solid rgba(255,255,255,.15);border-radius:var(--r);overflow:hidden;background:rgba(255,255,255,.06);max-width:420px}
.phstat{flex:1;padding:14px 10px;text-align:center;border-right:1px solid rgba(255,255,255,.12)}
.phstat:last-child{border-right:none}
.phstat-n{font-family:var(--fb);font-size:20px;font-weight:700;color:var(--gold);line-height:1}
.phstat-u{font-size:11px}
.phstat-l{font-size:11px;color:rgba(255,255,255,.6);margin-top:3px}

/* COMPARE */
.compare-sec{background:var(--surf);border-bottom:1px solid var(--border)}
.compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;max-width:860px;margin:0 auto}
.compare-card{border-radius:var(--r2);padding:28px 24px;border:2px solid var(--border)}
.compare-card--shipping{background:var(--ivory)}
.compare-card--store{background:var(--navy);border-color:var(--gold)}
.compare-card-ico{font-size:28px;margin-bottom:10px}
.compare-card-ttl{font-family:var(--fs);font-size:16px;font-weight:700;margin-bottom:14px}
.compare-card--shipping .compare-card-ttl{color:var(--t2)}
.compare-card--store .compare-card-ttl{color:var(--gold2)}
.compare-badge{display:inline-block;font-size:10px;font-weight:700;background:var(--gold);color:var(--navy);padding:3px 10px;border-radius:6px;margin-bottom:10px;letter-spacing:.5px}
.compare-list{display:flex;flex-direction:column;gap:6px}
.compare-list-item{font-size:13px;line-height:1.7;padding-left:16px;position:relative}
.compare-card--shipping .compare-list-item{color:var(--t2)}
.compare-card--store .compare-list-item{color:rgba(255,255,255,.85)}
.compare-list-item.good::before{content:'✓';position:absolute;left:0;color:var(--line);font-weight:700}
.compare-list-item.bad::before{content:'–';position:absolute;left:0;color:var(--t3)}
.compare-link{display:inline-flex;align-items:center;gap:4px;font-size:12px;font-weight:700;color:var(--steel);margin-top:14px;padding:6px 0;border-bottom:1px solid var(--border2)}
.compare-link:hover{color:var(--navy)}

/* INTENT */
.intent-sec{background:var(--ivory);border-bottom:1px solid var(--border)}
.intent-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0}
.intent-card{display:flex;align-items:flex-start;gap:14px;padding:28px 24px;border-right:1px solid var(--border);background:var(--surf)}
.intent-card:last-child{border-right:none}
.intent-ico{font-size:28px;flex-shrink:0}
.intent-t{font-family:var(--fs);font-size:15px;font-weight:700;color:var(--t1);margin-bottom:6px}
.intent-d{font-size:13px;color:var(--t2);line-height:1.8}

/* STEPS */
.steps-sec{background:var(--ivory)}
.step-list{display:flex;flex-direction:column;gap:0;margin-top:48px}
.step-item{display:grid;grid-template-columns:80px 1fr;gap:0;position:relative}
.step-item::before{content:'';position:absolute;left:39px;top:80px;bottom:0;width:2px;background:var(--border);z-index:0}
.step-item:last-child::before{display:none}
.step-left{display:flex;flex-direction:column;align-items:center;padding-top:4px;position:relative;z-index:1}
.step-num-badge{width:56px;height:56px;background:var(--navy);border-radius:50%;display:flex;flex-direction:column;align-items:center;justify-content:center;border:3px solid var(--gold);flex-shrink:0}
.step-num-badge-n{font-family:var(--fb);font-size:14px;font-weight:700;color:var(--gold);line-height:1}
.step-num-badge-ico{font-size:18px;margin-top:1px}
.step-right{padding:0 0 52px 28px}
.step-tag{display:inline-block;font-size:10px;font-weight:700;letter-spacing:2px;color:var(--steel);text-transform:uppercase;margin-bottom:8px}
.step-title{font-family:var(--fs);font-size:clamp(18px,2.5vw,24px);font-weight:700;color:var(--t1);margin-bottom:12px;line-height:1.3}
.step-body{font-size:14px;color:var(--t2);line-height:2;margin-bottom:16px}
.step-box{background:var(--surf);border:1px solid var(--border);border-radius:var(--r);padding:18px 20px;margin-bottom:12px}
.step-box-title{font-size:13px;font-weight:700;color:var(--t1);margin-bottom:10px}
.step-box ul{display:flex;flex-direction:column;gap:8px}
.step-box ul li{font-size:13px;color:var(--t2);line-height:1.8;padding-left:16px;position:relative}
.step-box ul li::before{content:'›';position:absolute;left:0;color:var(--steel);font-weight:700}
.step-note{font-size:12px;color:var(--t3);background:var(--ivory2);border-radius:8px;padding:10px 14px;border-left:3px solid var(--gold)}
.id-doc{background:var(--surf);border-radius:var(--r);padding:16px 18px;border:1px solid var(--border);margin-bottom:10px}
.id-doc-head{display:flex;align-items:center;gap:8px;margin-bottom:8px}
.id-doc-check{display:inline-flex;align-items:center;justify-content:center;width:26px;height:26px;border-radius:50%;background:#e8f5e9;font-size:13px;flex-shrink:0}
.id-doc-tri{display:inline-flex;align-items:center;justify-content:center;width:26px;height:26px;border-radius:50%;background:#fff8e1;font-size:13px;flex-shrink:0}
.id-doc-name{font-size:14px;font-weight:700;color:var(--t1)}
.id-doc-badge{font-size:10px;background:var(--line);color:#fff;padding:2px 8px;border-radius:6px;font-weight:700}
.id-doc-body{font-size:13px;color:var(--t2);line-height:1.75}
.id-doc-warn{background:#fff4f4;border:1px solid #f0c8c8;border-radius:8px;padding:10px 14px;margin-top:8px;font-size:12px;color:#b22;line-height:1.7;font-weight:600}
.settlement-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:12px}
.s-card{border-radius:var(--r);padding:20px}
.s-card.ok{background:#f0faf4;border:1px solid #b2dfca}
.s-card.ng{background:var(--ivory2);border:1px solid var(--border)}
.s-card-head{font-size:14px;font-weight:700;color:var(--t1);margin-bottom:10px}
.s-card p{font-size:13px;color:var(--t2);line-height:1.8}

/* REASON */
.reason-sec{background:var(--surf)}
.reason-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:40px}
.reason-card{background:var(--ivory);border:1px solid var(--border);border-radius:var(--r2);padding:28px 22px;transition:all .25s}
.reason-card:hover{transform:translateY(-4px);border-color:var(--steel);box-shadow:0 12px 32px rgba(44,82,130,.1)}
.reason-card-ico{font-size:32px;margin-bottom:12px}
.reason-card-num{font-family:var(--fb);font-size:10px;font-weight:700;letter-spacing:2px;color:var(--gold3);margin-bottom:8px}
.reason-card-ttl{font-family:var(--fs);font-size:16px;font-weight:700;color:var(--t1);margin-bottom:10px;line-height:1.3}
.reason-card-body{font-size:13.5px;color:var(--t2);line-height:1.9}

/* STORES */
.stores-sec{background:var(--ivory)}
.atabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:28px;justify-content:center}
.atab{font-size:13px;font-weight:700;color:var(--t2);background:var(--surf);border:1px solid var(--border);border-radius:8px;padding:8px 18px;cursor:pointer;transition:all .2s}
.atab:hover{border-color:var(--steel);color:var(--steel)}
.atab.active{background:var(--navy);color:#fff;border-color:var(--navy)}
.sgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.scard{background:var(--surf);border:1px solid var(--border);border-radius:var(--r);padding:18px 18px 14px;transition:all .2s}
.scard:hover{border-color:var(--steel);box-shadow:0 6px 20px rgba(44,82,130,.1)}
.scard-pref{font-size:11px;font-weight:700;letter-spacing:1px;color:var(--gold3);margin-bottom:4px}
.scard-name{font-family:var(--fs);font-size:15px;font-weight:700;color:var(--t1);margin-bottom:6px}
.scard-addr{font-size:12px;color:var(--t3);line-height:1.7;margin-bottom:10px}
.scard-link{font-size:12px;font-weight:700;color:var(--steel)}

/* FAQ */
.faq-sec{background:var(--surf)}
.flist{max-width:820px;margin:40px auto 0}
.faq-item{border-bottom:1px solid var(--border)}
.faq-item:first-child{border-top:1px solid var(--border)}
.faq-q{width:100%;display:flex;align-items:center;gap:12px;background:none;border:none;cursor:pointer;padding:18px 4px;text-align:left;transition:background .2s}
.faq-q:hover{background:var(--ivory2)}
.faq-q-ico{flex-shrink:0;width:28px;height:28px;background:var(--navy);color:var(--gold);font-family:var(--fb);font-size:14px;font-weight:700;border-radius:6px;display:flex;align-items:center;justify-content:center}
.faq-q-txt{flex:1;font-size:15px;font-weight:700;color:var(--t1);line-height:1.5}
.faq-arr{flex-shrink:0;width:20px;height:20px;position:relative;transition:transform .3s}
.faq-arr::before,.faq-arr::after{content:'';position:absolute;width:10px;height:2px;background:var(--t3);top:50%;border-radius:2px}
.faq-arr::before{right:50%;transform:translateY(-50%) rotate(-45deg);transform-origin:right center}
.faq-arr::after{left:50%;transform:translateY(-50%) rotate(45deg);transform-origin:left center}
.faq-item.open .faq-arr::before{transform:translateY(-50%) rotate(45deg)}
.faq-item.open .faq-arr::after{transform:translateY(-50%) rotate(-45deg)}
.faq-a{display:none;padding:0 4px 18px 52px;font-size:14px;color:var(--t2);line-height:1.9}
.faq-item.open .faq-a{display:block}

/* CTA KPI ROW */
.cta-kpi-row{display:flex;justify-content:center;gap:0;margin:18px auto 20px;max-width:520px;border:1px solid rgba(255,255,255,.15);border-radius:var(--r);overflow:hidden;background:rgba(255,255,255,.07)}
.cta-kpi{flex:1;padding:14px 10px;text-align:center;border-right:1px solid rgba(255,255,255,.12)}
.cta-kpi:last-child{border-right:none}
.cta-kpi-n{display:block;font-family:var(--fb);font-size:20px;font-weight:700;color:var(--gold2);line-height:1}
.cta-kpi-l{display:block;font-size:11px;color:rgba(255,255,255,.6);margin-top:4px}
@media(max-width:480px){.cta-kpi-n{font-size:16px}}

/* CTA */
.ctaband{background-color:var(--navy);background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);padding:72px 28px}
.cta-head{margin-bottom:44px}
.cta-eyebrow{display:inline-block;font-size:11px;font-weight:700;letter-spacing:3px;color:rgba(255,255,255,.6);text-transform:uppercase;border-bottom:1px solid rgba(255,255,255,.3);padding-bottom:6px;margin-bottom:16px}
.cta-h2{font-family:var(--fs);font-size:clamp(22px,3.5vw,38px);font-weight:700;color:#fff;line-height:1.3;margin-bottom:12px}
.cta-hl{color:var(--gold2)}
.cta-desc{font-size:15px;color:rgba(255,255,255,.8);line-height:1.9}
.cta-cards{display:grid;grid-template-columns:1fr 1fr;gap:20px;max-width:800px;margin:0 auto 28px}
.cta-card{background:var(--surf);border-radius:var(--r2);padding:32px 24px;text-align:center;display:flex;flex-direction:column;position:relative}
.cta-card--tel{border:2px solid var(--steel)}
.cta-card--line{border:2px solid var(--line);overflow:hidden}
.cta-card-badge{position:absolute;top:0;right:0;background:var(--line);color:#fff;font-size:10px;font-weight:700;padding:5px 14px;border-radius:0 0 0 10px;letter-spacing:1px}
.cta-card-ttl{font-family:var(--fs);font-size:16px;font-weight:700;color:var(--t1);margin-bottom:10px}
.cta-card-ttl--line{color:var(--line2)}
.cta-card-txt{font-size:13px;color:var(--t2);line-height:1.8;margin-bottom:20px;flex:1}
.cta-card-note{font-size:12px;color:var(--t3);margin-top:10px}
.cta-btn-tel{display:flex;align-items:center;justify-content:center;height:52px;background:var(--steel);color:#fff;font-family:var(--fb);font-size:20px;font-weight:700;border-radius:var(--r);box-shadow:0 4px 0 #1e3a6e;transition:all .2s;letter-spacing:.5px;text-decoration:none}
.cta-btn-tel:hover{transform:translateY(-2px);box-shadow:0 6px 0 #1e3a6e}
.cta-btn-line{display:flex;align-items:center;justify-content:center;gap:8px;height:52px;background:var(--line);color:#fff;font-family:var(--fb);font-size:15px;font-weight:700;border-radius:var(--r);box-shadow:0 4px 0 var(--line2);transition:all .2s;text-decoration:none}
.cta-btn-line:hover{transform:translateY(-2px);box-shadow:0 6px 0 var(--line2)}
.cta-trust{display:flex;flex-wrap:wrap;justify-content:center;gap:10px}
.cta-trust-item{display:inline-flex;align-items:center;gap:5px;background:rgba(255,255,255,.15);color:#fff;font-size:13px;font-weight:700;padding:6px 14px;border-radius:20px}

/* FOOTER */
footer{background:var(--navy);padding:52px 0 20px}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px;margin-bottom:36px}
footer .logo-name{color:var(--gold2)}
footer .logo-sub{color:rgba(255,255,255,.5)}
footer .logo-mark{background:rgba(255,255,255,.1)}
.fbdesc{font-size:13px;color:rgba(255,255,255,.55);line-height:1.9;margin-top:12px}
.fc-ttl{font-family:var(--fb);font-size:11px;color:rgba(255,255,255,.52);letter-spacing:2px;text-transform:uppercase;margin-bottom:12px;padding-bottom:8px;border-bottom:1px solid rgba(255,255,255,.1)}
.fc ul{display:flex;flex-direction:column;gap:8px}
.fc ul li a{font-size:13px;color:rgba(255,255,255,.6);transition:color .2s}
.fc ul li a:hover{color:var(--gold2)}
.fcopy-wrap{border-top:1px solid rgba(255,255,255,.1);padding:18px 0 8px;text-align:center}
.fkotsu{display:flex;flex-wrap:wrap;justify-content:center;gap:4px 14px;font-size:11px;color:rgba(255,255,255,.55);margin-bottom:8px;line-height:1.8}
.fk-lbl{font-weight:700;color:rgba(255,255,255,.7)}
.fcopy{font-size:12px;color:rgba(255,255,255,.5)}

/* MOBILE BAR */
.mobbar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--navy);padding:10px 12px;padding-bottom:calc(10px + env(safe-area-inset-bottom));z-index:999;box-shadow:0 -4px 20px rgba(0,0,0,.3)}
@media(max-width:768px){.mobbar{display:block}}
.mobbar-inner{display:flex;gap:8px}
.mob-tel{flex:1;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:1px;background:#fff;color:var(--navy);border-radius:10px;padding:8px;text-decoration:none;min-height:60px}
.mob-tel-lbl{font-size:11px;font-weight:700;color:var(--t3)}
.mob-tel-num{font-family:var(--fb);font-size:clamp(15px,4.2vw,18px);font-weight:700;color:var(--steel);line-height:1}
.mob-tel-note{font-size:11px;color:var(--t3);white-space:nowrap}
.mob-line{flex:1;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;background:var(--line);color:#fff;border-radius:10px;padding:8px;text-decoration:none;min-height:60px;box-shadow:0 3px 0 var(--line2)}
.mob-line-inner{display:flex;align-items:center;gap:5px;font-size:clamp(12px,3.5vw,15px);font-weight:700;line-height:1}
.mob-line-note{font-size:11px;white-space:nowrap}
@media(max-width:768px){body{padding-bottom:80px}}

/* RESPONSIVE */
@media(max-width:768px){
  .sec{padding:52px 0}.sec-sm{padding:36px 0}.wrap{padding:0 16px}
  .compare-grid{grid-template-columns:1fr}
  .intent-grid{grid-template-columns:1fr}
  .intent-card{border-right:none;border-bottom:1px solid var(--border)}
  .intent-card:last-child{border-bottom:none}
  .step-item{grid-template-columns:56px 1fr}
  .step-item::before{left:27px}
  .settlement-grid{grid-template-columns:1fr}
  .reason-grid{grid-template-columns:1fr 1fr}
  .sgrid{grid-template-columns:repeat(2,1fr)}
  .cta-cards{grid-template-columns:1fr}
  .fgrid{grid-template-columns:1fr 1fr}
}
@media(max-width:480px){
  .reason-grid{grid-template-columns:1fr}
  .sgrid{grid-template-columns:1fr}
  .fgrid{grid-template-columns:1fr}
}
.skip-to-content{position:absolute;top:-100%;left:0;z-index:10000;background:var(--navy,#1a2a4a);color:#fff;padding:10px 20px;font-size:14px;font-weight:700;border-radius:0 0 6px 0;text-decoration:none;transition:top .2s}
.skip-to-content:focus{top:0}
/*a11y-20260703*/.lbl{color:#7D6234}