:root{--navy:#12337c;--blue:#05a9e6;--blue2:#67cdec;--ink:#303844;--muted:#65707c;--pale:#eaf8fc;--line:#d7e4e9;--green:#108f67;--cream:#f6f3dc;--white:#fff;--max:1160px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:"Noto Sans JP",sans-serif;line-height:1.8;background:#fff}body.menu-open{overflow:hidden}a{color:inherit;text-decoration:none}img{display:block;max-width:100%}button,input,textarea{font:inherit}.skip-link{position:fixed;z-index:200;top:8px;left:8px;padding:8px 12px;background:#fff;transform:translateY(-150%)}.skip-link:focus{transform:none}.site-header{position:fixed;z-index:100;top:0;left:0;width:100%;height:88px;padding:0 4.4vw;display:flex;align-items:center;justify-content:space-between;color:#fff;transition:.25s;background:linear-gradient(180deg,rgba(6,33,72,.42),transparent)}.site-header.scrolled{height:72px;background:rgba(16,48,112,.94);backdrop-filter:blur(10px)}.wordmark{font-family:Figtree,sans-serif;font-size:30px;font-weight:600;letter-spacing:-.03em}.site-nav{display:flex;align-items:center;gap:30px;font-family:Figtree,sans-serif;font-size:13px;letter-spacing:.08em}.site-nav a{position:relative}.site-nav a:not(.nav-contact):after{content:"";position:absolute;left:0;bottom:-5px;width:100%;height:1px;background:#fff;transform:scaleX(0);transform-origin:left;transition:.2s}.site-nav a:hover:after{transform:scaleX(1)}.nav-contact{padding:12px 24px;border:1px solid rgba(255,255,255,.75);border-radius:999px}.menu-button{display:none;background:none;border:0;color:#fff}.hero{position:relative;min-height:100svh;overflow:hidden;color:#fff}.hero-image,.hero-overlay{position:absolute;inset:0;width:100%;height:100%}.hero-image{object-fit:cover}.hero-primary .hero-image{object-position:center 50%}.hero-overlay{background:linear-gradient(90deg,rgba(17,54,124,.75) 0%,rgba(46,116,174,.3) 58%,rgba(94,171,218,.08) 100%)}.hero-content,.results-content{position:relative;z-index:2;width:min(var(--max),91.2vw);min-height:100svh;margin:auto;display:flex;flex-direction:column;justify-content:center}.hero-content{padding:120px 0 60px}.hero-kicker{margin:0 0 50px;font-size:15px;letter-spacing:.08em}.hero h1{margin:0;font-size:clamp(38px,4.4vw,68px);line-height:1.38;letter-spacing:.02em;font-weight:500}.hero h1 strong{font-weight:700}.hero-actions{display:flex;gap:16px;margin-top:54px}.hero-actions a,.results-links a{display:flex;align-items:center;justify-content:space-between;gap:40px;min-width:300px;padding:16px 22px;border:1px solid rgba(255,255,255,.8);font-weight:600}.hero-actions span,.results-links span{font-size:24px}.scroll-cue{position:absolute;z-index:3;right:4vw;bottom:0;display:flex;flex-direction:column;align-items:center;gap:12px;font:11px Figtree;letter-spacing:.16em}.scroll-cue i{width:1px;height:58px;background:#fff}.hero-results .hero-image{object-position:center}.hero-results .hero-overlay{background:linear-gradient(90deg,rgba(27,63,134,.74),rgba(70,130,183,.34))}.results-content{padding:80px 0;display:grid;grid-template-columns:1fr 1fr;grid-template-rows:1fr auto;align-items:center;gap:30px 10vw}.wish-list{align-self:center}.wish-list p{margin:18px 0;font-size:clamp(24px,2.4vw,38px);font-weight:600}.saving-copy{align-self:center}.saving-copy>p{margin:2px 0;font-size:21px}.saving-total strong{display:inline-flex;align-items:baseline;gap:8px}.saving-total span{font:600 clamp(76px,8vw,132px)/1 Figtree}.saving-copy dl{margin:28px 0 12px;max-width:410px}.saving-copy dl div{display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px solid rgba(255,255,255,.55)}.saving-copy dd{margin:0;font-weight:600}.saving-copy small{font-size:11px}.results-links{grid-column:1/-1;display:flex;gap:18px}.results-links a{flex:1}.section{padding:130px max(4.4vw,24px)}.section-heading{width:min(100%,var(--max));margin:0 auto 58px}.section-heading.centered{text-align:center}.section-label{margin:0 0 22px;color:var(--blue);font:600 17px/1 Figtree;letter-spacing:.04em}.section-heading h2{margin:0;color:var(--navy);font-size:clamp(34px,4vw,56px);line-height:1.45;font-weight:500;letter-spacing:.03em}.section-heading h2 em{color:var(--blue);font-style:normal}.section-heading>p:last-child{margin:22px 0 0;font-size:17px;color:var(--navy)}.simulator-section{background:#fff}.simulator-card{width:min(680px,100%);margin:auto;border:1px solid #bed3ca;border-radius:8px;overflow:hidden;background:#fff;box-shadow:0 20px 60px rgba(23,62,82,.08)}.simulator-title{padding:17px 24px;color:#fff;background:var(--green);font-weight:700;letter-spacing:.04em}.simulator-title span{margin-right:8px}.simulator-body{padding:34px}.price-label{display:flex;justify-content:space-between;align-items:baseline;color:#243632}.price-label strong{font:600 40px/1 Figtree}.price-label small{font:600 16px "Noto Sans JP";margin-left:5px}input[type=range]{width:100%;accent-color:var(--green)}.range-scale{display:flex;justify-content:space-between;font-size:12px;color:#62746d}.saving-panel{margin:32px 0 24px;padding:32px;text-align:center;border-radius:30px;background:#e4f2e9}.saving-panel p{margin:5px 0}.standard-fee{font-size:24px;text-decoration:line-through;text-decoration-color:#ce4052}.free-fee{color:#f1a600;font:600 54px/1.25 Figtree}.free-fee small{font:700 20px "Noto Sans JP"}.saved-amount{margin:20px 0;padding:14px;border-radius:16px;background:var(--cream);display:flex;flex-direction:column}.saved-amount strong{font-size:28px}.saving-panel>small{font-size:11px}.primary-button,.submit-button{display:flex;width:100%;align-items:center;justify-content:center;gap:22px;padding:17px;border:0;border-radius:999px;background:var(--green);color:#fff;font-weight:700}.primary-button span,.submit-button span{font-size:22px}.why-section{background:var(--pale)}.why-grid{width:min(var(--max),100%);margin:auto;display:grid;grid-template-columns:1.15fr .85fr;gap:24px}.why-card{position:relative;padding:44px;background:#fff;min-width:0}.card-no{display:block;color:var(--blue);font:500 58px/1 Figtree}.why-card h3{margin:18px 0 30px;color:var(--navy);font-size:22px}.why-card>p{margin:30px 0 0;font-size:14px}.transaction-diagram{display:grid;grid-template-columns:1fr 48px 1.3fr 48px 1fr;align-items:center;gap:4px}.party,.broker{min-height:108px;padding:15px 8px;border:1px solid var(--blue);display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center}.party span,.broker{color:var(--navy);font-weight:700}.party small{color:var(--muted)}.broker{background:var(--navy);color:#fff}.arrows{display:flex;flex-direction:column;color:var(--blue);font:24px/1 Figtree}.arrows i{font-style:normal}.reason-list>div{display:flex;gap:18px;padding:21px 0;border-top:1px solid var(--line)}.reason-list>div:last-child{border-bottom:1px solid var(--line)}.reason-list>div>span{color:var(--blue);font:600 18px Figtree}.reason-list p{margin:0;font-size:14px}.reason-list strong{display:block;margin-bottom:5px;color:var(--navy);font-size:18px}.agent-section{padding-left:0;padding-right:0}.agent-gallery{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;width:100%;overflow:hidden}.agent-gallery img{width:100%;aspect-ratio:1.42;object-fit:cover}.agent-story{width:min(900px,91.2vw);margin:70px auto 0;display:grid;grid-template-columns:240px 1fr;gap:60px}.agent-credentials{display:flex;flex-direction:column;color:var(--navy)}.agent-credentials span{margin-bottom:18px;color:var(--blue);font:600 14px Figtree;letter-spacing:.08em}.agent-credentials strong{padding:8px 0;border-top:1px solid var(--line)}.agent-credentials strong:last-child{border-bottom:1px solid var(--line)}.agent-story blockquote{margin:0;font-size:17px;line-height:2}.start-section{background:#f8fafb}.start-grid{width:min(var(--max),100%);margin:auto;display:grid;grid-template-columns:1fr 1fr;gap:20px}.start-card{position:relative;min-height:390px;padding:48px;background:#fff;border-top:4px solid var(--blue);display:flex;flex-direction:column}.start-no{color:var(--blue);font:600 56px/1 Figtree}.start-card h3{margin:28px 0 12px;color:var(--navy);font-size:25px}.start-card p{margin:0}.start-card a{margin-top:auto;padding:18px 0 0;border-top:1px solid var(--line);display:flex;align-items:center;justify-content:space-between;color:var(--navy);font-weight:700}.start-card a small{display:block;font-weight:500}.blue-card{background:var(--navy);color:#fff;border-color:var(--blue)}.blue-card h3,.blue-card a{color:#fff}.blue-card a{border-color:rgba(255,255,255,.3)}.start-note{text-align:center;margin:38px 0;color:var(--navy);font-weight:600}.after-send{width:min(900px,100%);margin:70px auto 0}.after-send h3{text-align:center;color:var(--navy);font-size:24px}.after-send ol{list-style:none;padding:0;margin:30px 0 0;display:grid;grid-template-columns:repeat(3,1fr);gap:0}.after-send li{position:relative;padding:28px;border-left:1px solid var(--line)}.after-send li:last-child{border-right:1px solid var(--line)}.after-send li>span{color:var(--blue);font:600 36px Figtree}.after-send strong{display:block;color:var(--navy);margin:12px 0}.after-send p{margin:0;font-size:13px}.promise-section{background:var(--navy);color:#fff}.light-heading h2,.light-heading>p:last-child{color:#fff}.promise-list{width:min(var(--max),100%);margin:auto;display:grid;grid-template-columns:repeat(3,1fr)}.promise-list article{padding:10px 42px 20px;border-left:1px solid rgba(255,255,255,.25)}.promise-list article:last-child{border-right:1px solid rgba(255,255,255,.25)}.promise-list span{color:var(--blue2);font:600 54px/1 Figtree}.promise-list h3{font-size:21px;line-height:1.65}.promise-list p{font-size:14px;color:#d7e6f4}.flow-section{background:#fff}.flow-list{list-style:none;padding:0;width:min(960px,100%);margin:auto}.flow-list li{display:grid;grid-template-columns:150px 1fr;padding:34px 0;border-top:1px solid var(--line)}.flow-list li:last-child{border-bottom:1px solid var(--line)}.flow-list>li>span{color:var(--blue);font:600 16px Figtree}.flow-list h3{margin:0 0 10px;color:var(--navy);font-size:22px}.flow-list p{margin:0;color:var(--muted)}.faq-section{background:var(--pale)}.faq-list{width:min(900px,100%);margin:auto}.faq-list details{border-top:1px solid #bedbe5}.faq-list details:last-child{border-bottom:1px solid #bedbe5}.faq-list summary{position:relative;list-style:none;cursor:pointer;padding:27px 52px 27px 0;display:flex;gap:16px;color:var(--navy);font-weight:600}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary span{color:var(--blue);font:600 20px Figtree}.faq-list summary i,.faq-list summary i:after{position:absolute;right:8px;top:50%;width:18px;height:1px;background:var(--navy);content:"";transition:.2s}.faq-list summary i:after{right:0;top:0;transform:rotate(90deg)}.faq-list details[open] summary i:after{transform:rotate(0)}.faq-list details p{margin:0;padding:0 36px 28px 38px;font-size:14px}.contact-section{background:linear-gradient(145deg,#12337c,#075895);color:#fff}.contact-form{width:min(780px,100%);margin:auto;padding:48px;background:#fff;color:var(--ink)}.contact-form label,.contact-form fieldset{display:block;margin:0 0 24px}.contact-form em{color:#d94a5a;font-style:normal}.contact-form small{color:var(--muted);font-size:12px}.contact-form input:not([type=checkbox]):not([type=file]),.contact-form textarea{display:block;width:100%;margin-top:9px;padding:13px;border:1px solid var(--line);border-radius:0;background:#fafdfe}.contact-form fieldset{padding:0;border:0}.contact-form fieldset input{margin-bottom:10px!important}.contact-form fieldset p{font-size:12px;color:var(--muted)}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:20px}.file-input{position:absolute;opacity:0;pointer-events:none}.file-button{display:block;margin:10px 0;padding:15px;text-align:center;border:1px solid var(--blue);color:var(--navy);font-weight:600}.check-label{display:flex!important;align-items:center;gap:10px}.submit-button{border-radius:0;background:var(--blue);cursor:pointer}.privacy-note{text-align:center;font-size:12px}.contact-alt{display:flex;justify-content:center;gap:16px;width:min(780px,100%);margin:24px auto 0}.contact-alt a{flex:1;padding:14px;text-align:center;border:1px solid rgba(255,255,255,.6)}.site-footer{padding:70px max(4.4vw,24px) 90px;background:#08255e;color:#cad9ed}.footer-logo{display:inline-flex;flex-direction:column;color:#fff}.footer-logo>span{font:600 40px/1 Figtree}.footer-logo strong{color:var(--blue)}.footer-logo small{font-weight:600;letter-spacing:.16em}.site-footer>p{max-width:620px;margin:28px 0}.footer-info{display:grid;grid-template-columns:repeat(2,max-content);gap:2px 40px;font-size:13px}.footer-info p{margin:0}.footer-links{display:flex;gap:8px;margin:30px 0;font-size:13px}.site-footer>small{font:12px Figtree}.mobile-contact{display:none}
@media(max-width:900px){body{padding-bottom:58px}.site-header{height:74px;padding:0 28px}.site-header.scrolled{height:64px}.wordmark{font-size:27px}.menu-button{position:relative;z-index:2;display:flex;width:34px;height:30px;padding:3px 0;flex-direction:column;justify-content:space-around}.menu-button span{display:block;width:100%;height:2px;background:#fff;transition:.2s}.menu-button[aria-expanded=true] span:nth-child(1){transform:translateY(8px) rotate(45deg)}.menu-button[aria-expanded=true] span:nth-child(2){opacity:0}.menu-button[aria-expanded=true] span:nth-child(3){transform:translateY(-8px) rotate(-45deg)}.site-nav{position:fixed;inset:0;display:flex;padding:100px 32px 70px;flex-direction:column;align-items:flex-start;justify-content:center;gap:22px;background:#12337c;transform:translateX(100%);transition:.25s;font-size:22px}.site-nav.open{transform:none}.nav-contact{margin-top:18px}.hero-primary .hero-image{object-position:center}.hero-overlay{background:rgba(67,126,181,.48)}.hero-content,.results-content{width:auto;min-height:100svh;margin:0;padding:120px 40px 38px}.hero-kicker{margin:0 0 80px;font-size:14px}.hero h1{font-size:29px;line-height:1.42}.hero-actions{margin-top:auto;flex-direction:column;gap:14px}.hero-actions a,.results-links a{min-width:0;width:100%;padding:11px 18px;font-size:14px}.hero-actions span,.results-links span{font-size:20px}.scroll-cue{display:none}.hero-results .hero-image{object-position:center}.results-content{display:flex;justify-content:space-between;gap:20px;padding-top:66px}.wish-list p{margin:10px 0;font-size:21px}.saving-copy{margin-top:auto;width:100%}.saving-copy>p{font-size:17px}.saving-total span{font-size:54px}.saving-copy dl{margin:14px 0 7px;font-size:12px}.saving-copy small{font-size:9px}.results-links{width:100%;display:flex;flex-direction:column;gap:10px}.section{padding:88px 22px}.section-heading{margin-bottom:42px}.section-label{font-size:15px}.section-heading h2{font-size:29px}.section-heading>p:last-child{font-size:15px}.simulator-body{padding:22px 18px}.simulator-title{padding:14px 18px;font-size:14px}.price-label strong{font-size:30px}.saving-panel{padding:24px 18px;border-radius:24px}.transaction-diagram{grid-template-columns:1fr 24px 1.2fr 24px 1fr}.party,.broker{min-height:88px;padding:8px 4px;font-size:11px}.party small{font-size:8px}.arrows{font-size:16px}.why-grid{grid-template-columns:1fr}.why-card{padding:32px 22px}.card-no{font-size:46px}.why-card h3{font-size:19px}.agent-gallery{gap:5px}.agent-gallery img{aspect-ratio:.9;object-position:center}.agent-story{margin-top:48px;grid-template-columns:1fr;gap:34px}.agent-story blockquote{font-size:15px;line-height:1.95}.start-grid{grid-template-columns:1fr}.start-card{min-height:340px;padding:34px 26px}.after-send ol{grid-template-columns:1fr}.after-send li{display:grid;grid-template-columns:46px 1fr;border-left:1px solid var(--line);border-right:1px solid var(--line);border-top:1px solid var(--line)}.after-send li:last-child{border-bottom:1px solid var(--line)}.after-send strong{margin:0 0 8px}.promise-list{grid-template-columns:1fr}.promise-list article{padding:28px 8px;border-left:0;border-top:1px solid rgba(255,255,255,.25)}.promise-list article:last-child{border-right:0;border-bottom:1px solid rgba(255,255,255,.25)}.flow-list li{grid-template-columns:1fr;padding:27px 0}.flow-list>li>span{margin-bottom:8px}.form-row{grid-template-columns:1fr;gap:0}.contact-form{padding:30px 20px}.contact-alt{flex-direction:column}.footer-info{grid-template-columns:1fr}.footer-links{flex-wrap:wrap}.mobile-contact{position:fixed;z-index:90;bottom:0;left:0;display:block;width:100%;padding:16px;text-align:center;background:var(--blue);color:#fff;font-weight:700}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
@media(max-width:900px){.menu-button:before{content:"";position:absolute;left:2px;top:6px;width:30px;height:2px;background:#fff;box-shadow:0 8px 0 #fff,0 16px 0 #fff}.menu-button[aria-expanded=true]:before{top:14px;transform:rotate(45deg);box-shadow:none}.menu-button[aria-expanded=true]:after{content:"";position:absolute;left:2px;top:14px;width:30px;height:2px;background:#fff;transform:rotate(-45deg)}}
@media(max-width:900px){.menu-button{font-size:30px;line-height:1}.menu-button:before,.menu-button:after{display:none!important}}
.section{scroll-margin-top:72px}

/* TENTIAL-inspired direction / v4 */
:root{--navy:#294c7a;--blue:#38618c;--blue2:#efc59f;--pale:#e7eff5;--green:#294c7a;--cream:#f4e3d3;--ink:#294c7a;--muted:#60738b;--line:#c8d7e2}
body{color:var(--ink);background:var(--pale)}
.site-header{height:88px;color:var(--navy);background:rgba(231,239,245,.9);backdrop-filter:blur(12px)}
.site-header.scrolled{height:72px;color:var(--navy);background:rgba(255,255,255,.94)}
.wordmark{display:block;width:212px;height:70px;overflow:hidden}
.wordmark img{width:100%;height:100%;object-fit:contain}
.site-nav a:not(.nav-contact):after{background:var(--navy)}
.nav-contact{color:#fff;background:var(--navy);border-color:var(--navy)}
.scroll-hero{position:relative;height:250svh;color:#fff;background:var(--navy)}
.scroll-stage{position:sticky;top:0;height:100svh;overflow:hidden}
.scroll-images,.scroll-filter{position:absolute;inset:0}
.scroll-image{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;filter:saturate(.58) contrast(.9) brightness(.9);will-change:opacity,transform}
.scroll-image.is-first{object-position:center 47%;opacity:1}
.scroll-image.is-second{object-position:center;opacity:0}
.scroll-filter{z-index:1;background:rgba(41,76,122,.43);mix-blend-mode:multiply;pointer-events:none}
.scroll-copy{position:absolute;z-index:2;left:4.4vw;width:min(660px,76vw);will-change:opacity,transform}
.scroll-copy-primary{top:50%;transform:translateY(-42%);opacity:1}
.scroll-copy-results{top:50%;transform:translateY(42vh);opacity:0;display:grid;grid-template-columns:1fr 1fr;gap:44px 70px;width:min(1040px,91.2vw)}
.scroll-copy h1{margin:0;font-size:clamp(40px,4.6vw,70px);line-height:calc(1.38em + 2px);font-weight:500;letter-spacing:.02em}
.scroll-copy h1 strong{font-weight:700;color:#fff}
.hero-actions{margin-top:44px}
.hero-actions a{border:0;transition:.2s}
.hero-actions .hero-cta-primary{color:var(--navy);background:var(--blue2)}
.hero-actions .hero-cta-secondary{color:#fff;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.72)}
.hero-actions a:hover{transform:translateY(-2px)}
.scroll-copy-results .wish-list{align-self:center}
.scroll-copy-results .saving-copy{align-self:center}
.results-links{grid-column:1/-1;display:flex;gap:34px}
.results-links a{min-width:0;padding:12px 0;border:0;border-bottom:1px solid rgba(255,255,255,.75);justify-content:flex-start;font-size:15px}
.results-links a span{margin-left:auto;font-size:19px}
.hero-progress{position:absolute;z-index:3;right:38px;top:50%;width:2px;height:160px;background:rgba(255,255,255,.35);transform:translateY(-50%)}
.hero-progress span{display:block;width:100%;height:0;background:#fff}
.hero-scroll-label{position:absolute;z-index:3;right:20px;bottom:38px;font:600 11px Figtree;letter-spacing:.16em;writing-mode:vertical-rl}
.simulator-section{background:#fff}
.simulator-card{border-color:#b7c9d7;box-shadow:0 22px 64px rgba(41,76,122,.1)}
.simulator-title,.primary-button{background:var(--navy)}
input[type=range]{accent-color:var(--navy)}
.saving-panel{background:var(--pale)}
.free-fee{color:#d99962}
.saved-amount{background:#f5e5d7}
.why-section,.faq-section{background:var(--pale)}
.start-section{background:#f7f9fb}
.blue-card,.promise-section{background:var(--navy)}
.contact-section{background:linear-gradient(150deg,#294c7a,#38618c)}
.submit-button,.mobile-contact{background:#38618c}
.site-footer{background:#213f68}
.flow-list{width:min(960px,100%);margin:auto}
.flow-list details{border-top:1px solid var(--line)}
.flow-list details:last-child{border-bottom:1px solid var(--line)}
.flow-list summary{position:relative;display:grid;grid-template-columns:150px 1fr 30px;align-items:center;gap:0;padding:28px 0;list-style:none;cursor:pointer}
.flow-list summary::-webkit-details-marker{display:none}
.flow-list summary span{color:#5d86aa;font:600 16px Figtree}
.flow-list summary h3{margin:0;color:var(--navy);font-size:22px}
.flow-list summary i,.flow-list summary i:after{position:absolute;right:4px;top:50%;width:18px;height:1px;background:var(--navy);content:"";transition:.2s}
.flow-list summary i:after{right:0;top:0;transform:rotate(90deg)}
.flow-list details[open] summary i:after{transform:rotate(0)}
.flow-list details>p{margin:0;padding:0 30px 30px 150px;color:var(--muted)}
@media(max-width:900px){.site-header{height:72px;padding:0 22px}.site-header.scrolled{height:64px}.wordmark{width:152px;height:58px}.menu-button{color:var(--navy)}.menu-button:before{background:var(--navy);box-shadow:0 8px 0 var(--navy),0 16px 0 var(--navy)}.site-nav{background:var(--pale);color:var(--navy)}.nav-contact{color:#fff}.scroll-hero{height:230svh}.scroll-copy{left:0;width:100%;padding:0 40px}.scroll-copy-primary{top:49%}.scroll-copy h1{font-size:29px;line-height:calc(1.42em + 2px)}.scroll-copy-primary .hero-kicker{margin-bottom:68px}.hero-actions{margin-top:44px}.hero-actions a{padding:13px 17px}.scroll-copy-results{top:0;height:100%;padding:92px 40px 28px;display:flex;flex-direction:column;justify-content:space-between;gap:15px}.scroll-copy-results .wish-list p{font-size:20px}.scroll-copy-results .saving-copy{margin-top:auto}.scroll-copy-results .saving-total span{font-size:56px}.results-links{display:flex;flex-direction:column;gap:5px}.results-links a{padding:9px 0}.hero-progress{right:14px;height:110px}.hero-scroll-label{display:none}.scroll-image.is-first{object-position:center}.scroll-copy-results .saving-copy small{font-size:9px}.flow-list summary{grid-template-columns:82px 1fr 24px;padding:23px 0}.flow-list summary span{font-size:13px}.flow-list summary h3{font-size:18px}.flow-list details>p{padding:0 26px 25px 82px;font-size:14px}}
@media(prefers-reduced-motion:reduce){.scroll-hero{height:auto}.scroll-stage{position:relative;min-height:100svh}.scroll-image.is-second{display:none}.scroll-copy-primary{position:relative;left:0;top:0;transform:none!important;opacity:1!important;min-height:100svh;padding-top:130px;padding-bottom:40px}.scroll-copy-results{position:relative;left:0;top:0;transform:none!important;opacity:1!important;background:var(--navy);padding-top:80px;padding-bottom:80px}.hero-progress,.hero-scroll-label{display:none}}
.wordmark{position:relative}
.wordmark img{position:absolute;left:-8px;top:-41px;width:250px;height:auto;max-width:none;object-fit:initial}
@media(max-width:900px){.wordmark img{left:-6px;top:-30px;width:180px}}

/* Content and accordion refinements / v5 */
.hero-actions{display:block;max-width:620px}
.hero-cta-note{margin:0 0 14px;color:#fff;font-size:15px;font-weight:600;line-height:1.75;letter-spacing:.03em;text-shadow:0 1px 12px rgba(18,38,68,.35)}
.hero-actions .hero-cta-primary{display:flex;width:min(420px,100%)}
.saving-total-line{display:flex!important;align-items:baseline;gap:5px;white-space:nowrap;font-size:18px!important;font-weight:600}
.saving-total-line strong{font:600 clamp(48px,5.6vw,82px)/1 Figtree;color:#fff}
.scroll-copy-results{grid-template-columns:.78fr 1.22fr;gap:40px 70px}
.results-links{gap:30px}
.results-links a{flex:1}

.about-section{background:#fff}
.about-layout{width:min(var(--max),100%);margin:auto;display:grid;grid-template-columns:1.08fr .92fr;gap:80px;align-items:start}
.about-copy>p{margin:0;color:var(--navy);font-size:clamp(20px,2.2vw,30px);font-weight:500;line-height:1.9}
.about-copy ul{list-style:none;padding:0;margin:38px 0 0;border-top:1px solid var(--line)}
.about-copy li{position:relative;padding:16px 12px 16px 34px;border-bottom:1px solid var(--line);font-weight:600}
.about-copy li:before{content:"✓";position:absolute;left:6px;color:#d99962;font-weight:700}
.about-actions{display:grid;gap:18px}
.about-actions>div{padding:28px;background:var(--pale)}
.about-actions p{margin:0 0 12px;font-weight:600}
.about-cta{display:flex;align-items:center;justify-content:space-between;padding:17px 20px;font-weight:700}
.about-cta.primary{color:#fff;background:var(--navy)}
.about-cta.secondary{color:var(--navy);background:#fff;border:1px solid var(--navy)}

.accordion-group details{border-top:1px solid currentColor}
.accordion-group details:last-child{border-bottom:1px solid currentColor}
.accordion-group summary{position:relative;list-style:none;cursor:pointer;display:grid;align-items:center}
.accordion-group summary::-webkit-details-marker{display:none}
.accordion-group summary i,.accordion-group summary i:after{position:absolute;right:6px;top:50%;width:20px;height:1px;background:currentColor;content:"";transition:.2s}
.accordion-group summary i:after{right:0;top:0;transform:rotate(90deg)}
.accordion-group details[open] summary i:after{transform:rotate(0)}
.accordion-no{font:600 14px Figtree;color:#5d86aa}

.why-accordion{width:min(960px,100%);margin:auto;color:var(--navy)}
.why-accordion summary{grid-template-columns:82px 1fr 30px;padding:28px 0}
.why-accordion summary strong{font-size:21px}
.why-content{padding:6px 40px 42px 82px}
.why-content>p{margin:28px 0 0;font-size:14px}
.why-content .transaction-diagram{max-width:760px}
.why-content .reason-list{max-width:720px}

.start-accordion{width:min(var(--max),100%);margin:auto;color:var(--navy)}
.start-option summary{grid-template-columns:92px 1fr 34px;padding:34px 24px;background:#fff}
.start-option summary .start-no{font-size:38px}
.start-option summary strong{font-size:24px}
.start-option-photo summary{position:relative;isolation:isolate;min-height:160px;color:#fff;background:linear-gradient(90deg,rgba(33,63,104,.88),rgba(41,76,122,.48)),url('./assets/fv-family.jpg') center 43%/cover}
.start-option-photo summary i,.start-option-photo summary i:after{background:#fff}
.start-option-content{padding:34px 42px 42px 116px;background:#fff}
.start-option-content h3{margin:24px 0 10px;font-size:18px}
.start-option-content ol{margin:0 0 26px;padding-left:1.5em}
.start-option-content a{display:flex;align-items:center;justify-content:space-between;width:min(430px,100%);padding:16px 20px;color:#fff;background:var(--navy);font-weight:700}

.promise-list{display:block;width:min(960px,100%);color:#fff}
.promise-list details{border-color:rgba(255,255,255,.35)}
.promise-list summary{grid-template-columns:58px 1fr 30px;padding:25px 4px}
.promise-list summary span{font-size:15px;line-height:1;color:var(--blue2)}
.promise-list summary strong{font-size:19px;line-height:1.6}
.promise-list details>p{margin:0;padding:0 42px 27px 62px;color:#d7e6f4;font-size:14px}

.guide-body{background:var(--pale)}
.guide-header{position:sticky}
.guide-main{padding-top:72px}
.guide-hero{padding:100px max(4.4vw,24px) 72px;background:var(--navy);color:#fff}
.guide-hero-inner,.guide-sections{width:min(960px,100%);margin:auto}
.guide-hero .section-label{color:var(--blue2)}
.guide-hero h1{margin:0;font-size:clamp(38px,5vw,68px);line-height:1.35;font-weight:500}
.guide-hero p{max-width:680px;margin:22px 0 0;color:#dce7f2}
.guide-sections{padding:80px 24px 120px}
.guide-card{scroll-margin-top:96px;margin:0 0 28px;padding:52px;background:#fff}
.guide-card .guide-no{color:#d99962;font:600 15px Figtree;letter-spacing:.1em}
.guide-card h2{margin:12px 0 24px;color:var(--navy);font-size:clamp(28px,3vw,42px);line-height:1.45}
.guide-card p{margin:10px 0;line-height:1.95}
.guide-card dl{margin:28px 0;padding:20px 24px;background:var(--pale)}
.guide-card dl div{display:flex;justify-content:space-between;gap:20px;padding:10px 0;border-bottom:1px solid var(--line)}
.guide-card dl div:last-child{border:0}
.guide-card dd{margin:0;font-weight:700}
.guide-card ul{padding-left:1.4em}
.guide-back{display:inline-flex;margin-top:26px;padding:14px 20px;color:#fff;background:var(--navy);font-weight:700}

@media(max-width:900px){
  .hero-cta-note{font-size:13px;line-height:1.65}
  .hero-actions{margin-top:28px}
  .scroll-copy-results{gap:12px}
  .scroll-copy-results{padding-bottom:82px}
  .saving-total-line{gap:3px;font-size:13px!important;letter-spacing:-.03em}
  .saving-total-line strong{font-size:38px}
  .results-links{gap:0}
  .results-links a{font-size:13px;padding:8px 0}
  .about-layout{grid-template-columns:1fr;gap:42px}
  .about-copy>p{font-size:19px;line-height:1.85}
  .about-actions>div{padding:22px 18px}
  .why-accordion summary{grid-template-columns:52px 1fr 24px;padding:23px 0}
  .why-accordion summary strong{font-size:17px}
  .why-content{padding:4px 0 30px}
  .why-content .transaction-diagram{grid-template-columns:1fr 20px 1.2fr 20px 1fr}
  .start-option summary{grid-template-columns:58px 1fr 24px;padding:25px 18px}
  .start-option summary .start-no{font-size:26px}
  .start-option summary strong{font-size:17px}
  .start-option-photo summary{min-height:140px}
  .start-option-content{padding:28px 20px 32px}
  .promise-list summary{grid-template-columns:40px 1fr 24px;padding:22px 0}
  .promise-list summary span{font-size:12px}
  .promise-list summary strong{font-size:16px}
  .promise-list details>p{padding:0 24px 24px 40px}
  .guide-main{padding-top:64px}
  .guide-hero{padding-top:72px}
  .guide-sections{padding:48px 16px 90px}
  .guide-card{padding:32px 22px}
  .guide-card dl{padding:14px 16px}
  .guide-card dl div{display:block}
}

/* Keep off-canvas controls from widening the mobile viewport without breaking the sticky hero. */
.file-input{width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
@media(max-width:900px){
  .site-nav{transform:none;opacity:0;visibility:hidden;pointer-events:none}
  .site-nav.open{opacity:1;visibility:visible;pointer-events:auto}
}

/* Screenshot-directed refinements / v7 */
.header-contact-short{display:none}
.about-section,.simulator-section{background:linear-gradient(155deg,#e8f2f8 0%,#eef2f5 58%,#f4e6e6 100%)}
.about-section{padding-bottom:72px}
.about-section .section-heading,.simulator-section .section-heading{max-width:960px;margin-bottom:34px}
.about-copy{width:min(960px,100%);margin:auto}
.about-copy>p{max-width:760px;font-size:clamp(18px,2vw,26px);font-weight:600;line-height:1.8}
.about-copy ul{max-width:760px;margin-top:26px;border:0}
.about-copy li{padding:5px 0 5px 26px;border:0;color:#5d86aa;font-size:14px;font-weight:500}
.about-copy li:before{content:"♙";left:0;color:#1685e6}
.simulator-section{padding-top:0}
.simulator-section .section-heading h2{font-size:clamp(32px,4vw,52px)}
.simulator-card{border-radius:0;box-shadow:none}
.start-option-photo summary{background:linear-gradient(90deg,rgba(33,63,104,.8),rgba(41,76,122,.3)),url('./assets/start-existing.png') center 42%/cover}
.start-option-search summary{position:relative;isolation:isolate;min-height:160px;color:#fff;background:linear-gradient(90deg,rgba(33,63,104,.8),rgba(41,76,122,.3)),url('./assets/start-search.png') center 42%/cover}
.start-option-search summary i,.start-option-search summary i:after{background:#fff}
.start-option summary i{right:8px;top:calc(50% - 6px);width:10px;height:10px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;background:transparent!important;transform:rotate(45deg)}
.start-option summary i:after{display:none}
.start-option[open] summary i{transform:rotate(225deg);top:calc(50% - 1px)}

@media(max-width:900px){
  .site-header{gap:14px}
  .header-contact-short{display:inline-flex;margin-left:auto;padding:7px 14px;border:1px solid var(--navy);border-radius:999px;color:var(--navy);font-size:11px;font-weight:600;opacity:0;visibility:hidden;transition:.2s}
  .site-header.scrolled .header-contact-short{opacity:1;visibility:visible}
  .mobile-contact{display:none!important}
  body{padding-bottom:0}
  .scroll-copy-primary{padding:0 38px;top:51%}
  .scroll-copy-primary .hero-kicker{margin-bottom:74px;font-size:14px}
  .scroll-copy h1{font-size:31px;line-height:1.66}
  .hero-actions{margin-top:64px}
  .hero-cta-note{font-size:12px;line-height:2}
  .hero-actions .hero-cta-primary{justify-content:center;border:2px solid #fff;border-radius:999px;color:#fff;background:transparent;padding:11px 18px}
  .hero-actions .hero-cta-primary span{display:none}
  .scroll-copy-results{padding:96px 36px 26px;gap:0}
  .scroll-copy-results .wish-list p{margin:11px 0;font-size:20px;line-height:1.5}
  .scroll-copy-results .saving-copy{margin-top:34px}
  .scroll-copy-results .saving-copy>p{font-size:20px;font-weight:600}
  .saving-total-line{margin-top:4px!important;font-size:16px!important}
  .saving-total-line strong{font-size:40px}
  .scroll-copy-results .saving-copy dl{margin:14px 0 10px}
  .scroll-copy-results .saving-copy dl div{padding:5px 0;font-size:12px}
  .results-links{margin-top:auto;gap:14px}
  .results-links a{min-height:43px;padding:8px 24px;border:1px solid rgba(255,255,255,.9);font-size:12px}
  .results-links a span{font-size:14px}
  .section.about-section{padding:64px 36px 72px}
  .about-section .section-heading{margin-bottom:24px}
  .about-section .section-label{margin-bottom:10px}
  .about-section .section-heading h2{font-size:27px}
  .about-copy>p{font-size:17px;line-height:1.65}
  .about-copy ul{margin-top:22px}
  .about-copy li{padding-top:3px;padding-bottom:3px;font-size:12px;line-height:1.75}
  .about-copy li:before{top:7px;font-size:16px;line-height:1}
  .section.simulator-section{padding:0 36px 72px}
  .simulator-section .section-heading{margin-bottom:26px}
  .simulator-section .section-label{margin-bottom:10px}
  .simulator-section .section-heading h2{font-size:27px;line-height:1.6}
  .simulator-card{width:100%}
  .start-section{padding:64px 36px;background:#e7e7e6}
  .start-section .section-heading{margin-bottom:32px}
  .start-section .section-label{margin-bottom:10px}
  .start-section .section-heading h2{font-size:27px;line-height:1.55}
  .start-accordion{display:grid;gap:16px}
  .start-accordion details,.start-accordion details:last-child{border:0}
  .start-option summary,.start-option-photo summary,.start-option-search summary{min-height:104px;padding:20px 22px;grid-template-columns:36px 1fr 20px}
  .start-option summary .start-no{color:#fff;font-size:16px}
  .start-option summary strong{color:#fff;font-size:15px}
  .start-option-content{padding:26px 20px 30px}
  .after-send{margin:24px auto 0}
  .after-send h3{text-align:left;margin:0 0 14px;font-size:18px}
  .after-send ol{margin:0;gap:12px}
  .after-send li{padding:0;display:grid;grid-template-columns:22px 1fr;gap:8px;border:0!important}
  .after-send li>span{display:flex;width:20px;height:20px;align-items:center;justify-content:center;border:1px solid var(--navy);border-radius:50%;font-size:11px;line-height:1}
  .after-send strong{margin:0;font-size:12px;line-height:1.6}
  .after-send p{font-size:11px;line-height:1.65}
}

/* Requested content and alignment refinements / v8 */
.section-label{color:#5880B2}
.why-section .section-heading,
.agent-section .section-heading,
.promise-section .section-heading,
.faq-section .section-heading,
.contact-section .section-heading{text-align:left}

.about-copy li{display:flex;align-items:flex-start;gap:10px;padding-left:0}
.about-copy li:before{content:none}
.about-icon{flex:0 0 19px;width:19px;height:19px;margin-top:5px;color:#5880B2;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.about-guide-links{max-width:760px;margin-top:26px;border-top:1px solid rgba(18,51,124,.28)}
.about-guide-links a{display:flex;align-items:center;justify-content:space-between;min-height:54px;padding:12px 4px;border-bottom:1px solid rgba(18,51,124,.28);color:var(--navy);font-size:14px;font-weight:600}
.about-guide-links a span{font:500 18px/1 Figtree}

.simulator-section{padding-top:64px}
.saving-panel>p strong{font-weight:700}
.why-section .section-heading h2 em small{font-size:24px;font-weight:600}
.emphasis-dot{-webkit-text-emphasis:filled dot;text-emphasis:filled dot;-webkit-text-emphasis-position:over;text-emphasis-position:over}

.why-accordion summary i,
.flow-list summary i,
.faq-list summary i{right:8px;top:calc(50% - 7px);width:11px;height:11px;background:transparent!important;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg);transition:transform .2s}
.why-accordion summary i:after,
.flow-list summary i:after,
.faq-list summary i:after{display:none!important}
.why-accordion details[open] summary i,
.flow-list details[open] summary i,
.faq-list details[open] summary i{transform:rotate(225deg)}

@media(max-width:900px){
  .about-icon{flex-basis:17px;width:17px;height:17px;margin-top:4px}
  .about-guide-links{margin-top:22px}
  .about-guide-links a{min-height:49px;font-size:12px}
  .section.simulator-section{padding:64px 36px 72px}
  .why-section .section-heading h2 em small{font-size:24px}
}

/* Conditional contact form and review cards / v9 */
.contact-mode-switch{margin:6px 0 30px;padding:24px;background:#edf3f8}
.contact-mode-switch>p{margin:0 0 14px;color:var(--navy);font-weight:700}
.contact-mode-switch>div{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.contact-mode-switch button{min-height:60px;padding:12px 14px;border:1px solid #aebed1;color:var(--navy);background:#fff;text-align:left;font-size:14px;font-weight:600;cursor:pointer}
.contact-mode-switch button span{margin-right:8px;color:#5880B2;font:600 13px Figtree}
.contact-mode-switch button[aria-pressed="true"]{border-color:var(--navy);color:#fff;background:var(--navy)}
.contact-mode-switch button[aria-pressed="true"] span{color:#efcaa7}
.contact-form-panel{margin-top:0;padding-top:4px}
.contact-form-panel[hidden]{display:none!important}
.choice-fieldset{margin-top:4px!important}
.choice-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:9px;margin-top:10px}
.contact-form .choice-label{display:flex;align-items:center;gap:8px;margin:0;padding:12px;border:1px solid var(--line);background:#fafdfe;font-size:14px;cursor:pointer}
.contact-form .choice-label input{display:inline-block!important;width:auto!important;margin:0!important;padding:0!important;border:initial!important;background:initial!important;accent-color:var(--navy)}

.guide-card.reviews-card{padding:42px 30px;background:#2f5886;color:#fff}
.guide-card.reviews-card>h2{margin:0 0 28px;color:#fff;font-size:18px;font-weight:600}
.review-grid{display:grid;grid-template-columns:1fr 1fr;gap:30px}
.review-story{position:relative;min-height:390px;overflow:hidden;background:#234873}
.review-story>img,.review-shade{position:absolute;inset:0;width:100%;height:100%}
.review-story>img{object-fit:cover}
.review-story:first-child>img{object-position:center 56%}
.review-story:nth-child(2)>img{object-position:center}
.review-shade{background:linear-gradient(180deg,rgba(28,58,94,.1) 20%,rgba(28,58,94,.42) 52%,rgba(28,58,94,.9) 100%)}
.review-no{position:absolute;z-index:2;top:34px;left:0;width:54%;padding:14px 16px;background:#d9894c;color:#fff;font:500 16px Figtree;letter-spacing:.03em}
.review-copy{position:absolute;z-index:2;left:0;right:0;bottom:0;padding:22px 16px;color:#fff}
.review-copy h3{margin:0 0 8px;font-size:16px;font-weight:500}
.guide-card .review-copy p{margin:0;font-size:12px;line-height:1.75}

@media(max-width:900px){
  .contact-mode-switch{margin-bottom:24px;padding:18px 14px}
  .contact-mode-switch>div{grid-template-columns:1fr;gap:8px}
  .contact-mode-switch button{min-height:54px;font-size:13px}
  .choice-grid{grid-template-columns:1fr}
  .parking-grid{grid-template-columns:repeat(3,1fr)}
  .contact-form .choice-label{padding:11px 10px;font-size:13px}
  .guide-card.reviews-card{padding:28px 15px 20px}
  .guide-card.reviews-card>h2{margin:0 0 24px;font-size:15px}
  .review-grid{grid-template-columns:1fr;gap:30px}
  .review-story{min-height:310px}
  .review-no{top:34px;width:54%;padding:13px 16px;font-size:15px}
  .review-copy{padding:18px 15px 14px}
  .review-copy h3{font-size:15px}
  .guide-card .review-copy p{font-size:11px;line-height:1.7}
}

/* Mobile navigation / v10 */
.menu-nav-links{display:contents}
.menu-nav-ctas,.nav-label-mobile,.menu-arrow,.mobile-only-link{display:none}

@media(max-width:900px){
  body.menu-open{overflow:hidden}
  body.menu-open .site-header{height:72px;background:#fff!important;box-shadow:none;backdrop-filter:none}
  body.menu-open .header-contact-short{display:none!important}
  body.menu-open .wordmark{z-index:2;width:122px}
  body.menu-open .wordmark img{width:142px;top:-24px}

  .menu-button{display:flex;align-items:center;justify-content:center;width:34px;height:34px;padding:0;border:0;border-radius:0;background:transparent;color:var(--navy);font:400 29px/1 Figtree,sans-serif;box-shadow:none}
  .menu-button:before,.menu-button:after{display:none!important}
  .menu-button>span{position:static;width:auto;height:auto;background:none;transform:none!important}
  .menu-button .menu-open-icon{position:relative!important;display:block!important;width:24px!important;height:16px!important;border-top:2px solid currentColor;border-bottom:2px solid currentColor;font-size:0}
  .menu-button .menu-open-icon:after{content:"";position:absolute;left:0;top:5px;width:100%;border-top:2px solid currentColor}
  .menu-button .menu-close-icon{display:none!important}
  .menu-button[aria-expanded="true"]{width:46px;height:34px;border-radius:999px;background:#5880B2;color:#fff;box-shadow:0 3px 7px rgba(30,58,91,.28);font-size:26px;font-weight:300}
  .menu-button[aria-expanded="true"] .menu-open-icon{display:none!important}
  .menu-button[aria-expanded="true"] .menu-close-icon{display:block!important;opacity:1!important;color:#fff;font-size:26px;transform:translateY(-1px)!important}

  .site-nav{z-index:1;inset:0;display:flex;width:100vw;height:100dvh;padding:111px 16px 42px;flex-direction:column;align-items:stretch;justify-content:flex-start;gap:0;overflow-y:auto;background:#fff;color:#2f5886;font-family:"Noto Sans JP",sans-serif;font-size:15px;letter-spacing:.02em}
  .site-nav.open{opacity:1;visibility:visible;pointer-events:auto}
  .menu-nav-links{display:grid;margin:0 11px}
  .menu-nav-links>a{display:flex;min-height:46px;margin:0;padding:11px 8px;align-items:center;justify-content:space-between;border-bottom:1px dotted #6d747a;color:#2f5886;font-size:15px;font-weight:400;line-height:1.5}
  .menu-nav-links .desktop-only-link{display:none}
  .menu-nav-links .mobile-only-link{display:flex}
  .nav-label-desktop{display:none}
  .nav-label-mobile,.menu-arrow{display:inline}
  .menu-arrow{margin-left:20px;font-family:Figtree,sans-serif;font-size:19px;font-weight:400;line-height:1}
  .menu-nav-ctas{display:grid;width:min(270px,calc(100% - 40px));gap:12px;margin:32px auto 0}
  .menu-cta{display:flex;min-height:34px;padding:7px 18px;align-items:center;justify-content:center;border:1px solid #2f5886;border-radius:999px;color:#2f5886;background:#fff;font-size:12px;font-weight:400;line-height:1.35;text-align:center}
  .menu-cta-search{color:#fff;background:#2f5886}
}

/* Header, white sections, chevrons, contact and footer / v11 */
.site-header{
  color:#fff;
  background:linear-gradient(180deg,rgba(12,39,72,.42),rgba(12,39,72,0));
  backdrop-filter:none;
}
.site-header.scrolled{
  color:var(--navy);
  background:rgba(255,255,255,.96);
  box-shadow:0 1px 12px rgba(27,54,83,.08);
  backdrop-filter:blur(10px);
}
.wordmark{display:block;width:212px;height:70px;overflow:hidden}
.wordmark-on-fv,.wordmark-sticky{position:absolute;inset:0;transition:opacity .2s ease}
.wordmark-on-fv{display:flex;align-items:center;color:#fff;font:600 30px/1 Figtree,sans-serif;letter-spacing:-.03em;opacity:1}
.wordmark .wordmark-sticky{left:0;top:0;width:100%;height:100%;max-width:100%;object-fit:contain;object-position:left center;opacity:0}
.site-header.scrolled .wordmark-on-fv{opacity:0}
.site-header.scrolled .wordmark-sticky{opacity:1}
.site-header:not(.scrolled) .site-nav{color:#fff}
.site-header:not(.scrolled) .site-nav a:not(.nav-contact):after{background:#fff}
.site-header.scrolled .site-nav{color:var(--navy)}
.site-header.scrolled .site-nav a:not(.nav-contact):after{background:var(--navy)}
.site-header.scrolled .nav-contact{border-color:var(--navy)}
.about-section,.agent-section{background:#fff}
.promise-list summary i{
  right:8px;
  top:calc(50% - 6px);
  width:10px;
  height:10px;
  border-right:1.5px solid currentColor;
  border-bottom:1.5px solid currentColor;
  background:transparent!important;
  transform:rotate(45deg);
}
.promise-list summary i:after{display:none}
.promise-list details[open] summary i{top:calc(50% - 1px);transform:rotate(225deg)}
.contact-alt a{max-width:380px}
.site-footer{background:#fff;color:var(--navy);border-top:1px solid var(--line)}
.footer-brand-logo{width:230px;height:auto}
.site-footer a{color:var(--navy)}

@media(max-width:900px){
  .site-header{color:#fff;background:linear-gradient(180deg,rgba(12,39,72,.46),rgba(12,39,72,0))}
  .site-header.scrolled{color:var(--navy);background:rgba(255,255,255,.96)}
  .wordmark{width:152px;height:58px}
  .wordmark-on-fv{font-size:25px}
  .wordmark .wordmark-sticky{left:0;top:0;width:100%;height:100%;max-width:100%}
  .site-header:not(.scrolled) .menu-button{color:#fff}
  .site-header.scrolled .menu-button{color:var(--navy)}
  body.menu-open .wordmark{width:122px;height:52px}
  body.menu-open .wordmark-on-fv{opacity:0}
  body.menu-open .wordmark .wordmark-sticky{left:0;top:0;width:100%;height:100%;opacity:1}
  body.menu-open .menu-button{color:#fff}
  body.menu-open .site-nav{color:#2f5886}
  .start-option summary i{right:24px}
  .footer-brand-logo{width:190px}
  .contact-alt{align-items:center}
  .contact-alt a{width:100%;max-width:349px}
}

/* Visual polish and responsive type refinements / v12 */
.guide-contact-short{
  display:inline-flex;
  min-height:40px;
  padding:8px 20px;
  align-items:center;
  justify-content:center;
  border:1px solid var(--navy);
  border-radius:999px;
  color:var(--navy);
  font-size:12px;
  font-weight:600;
  letter-spacing:.02em;
}

.scroll-copy-results .saving-copy dl div{border-bottom-color:#fff}
.results-links a{font-size:16px}

.simulator-section{
  position:relative;
  isolation:isolate;
  background-image:linear-gradient(155deg,rgba(242,248,252,.76),rgba(236,244,249,.9)),url('./assets/simulator-city.jpg?v=2');
  background-position:center 66%;
  background-size:cover;
  background-attachment:fixed;
}
.simulator-section:before{
  content:"";
  position:absolute;
  z-index:-1;
  inset:0;
  background:linear-gradient(180deg,rgba(255,255,255,.08),rgba(255,255,255,.24));
}
.simulator-card{
  border:1px solid rgba(255,255,255,.78);
  border-radius:3px;
  background:rgba(255,255,255,.88);
  box-shadow:0 24px 70px rgba(16,44,75,.18);
  backdrop-filter:blur(12px);
}
.simulator-title{
  padding:20px 28px;
  border-bottom:1px solid rgba(18,51,124,.16);
  color:var(--navy);
  background:transparent;
  font-size:14px;
  letter-spacing:.08em;
}
.simulator-title span{color:#bd874f}
.simulator-body{padding:42px 40px 40px}
.price-label{color:var(--navy)}
.price-label>span{font-size:13px;letter-spacing:.06em}
.price-label strong{font-weight:500}
input[type=range]{accent-color:var(--navy)}
.range-scale{color:#6b7888}
.saving-panel{
  margin:34px 0 0;
  padding:34px 30px;
  border:1px solid rgba(18,51,124,.09);
  border-radius:4px;
  background:rgba(247,245,239,.86);
}
.standard-fee{color:#6e7882;text-decoration-color:#bd874f}
.free-fee{color:var(--navy);font-weight:500}
.saved-amount{
  margin:22px 0 18px;
  padding:17px;
  border-radius:3px;
  color:#fff;
  background:linear-gradient(110deg,#183d70,#315f91);
  box-shadow:0 12px 26px rgba(18,51,124,.16);
}
.saved-amount strong{color:#fff;font-weight:600}

.start-option-content a{
  position:relative;
  overflow:hidden;
  min-height:54px;
  padding:15px 18px 15px 22px;
  border:1px solid rgba(255,255,255,.22);
  border-radius:999px;
  background:linear-gradient(105deg,#173b6b,#2e5f92);
  box-shadow:0 10px 24px rgba(24,58,103,.2);
  transition:transform .2s ease,box-shadow .2s ease;
}
.start-option-content a:before{
  content:"";
  position:absolute;
  inset:0;
  background:linear-gradient(105deg,transparent 45%,rgba(255,255,255,.12),transparent 66%);
  transform:translateX(-100%);
  transition:transform .45s ease;
}
.start-option-content a span{
  position:relative;
  display:inline-flex;
  width:28px;
  height:28px;
  align-items:center;
  justify-content:center;
  border:1px solid rgba(255,255,255,.58);
  border-radius:50%;
}
.start-option-content a:hover{transform:translateY(-2px);box-shadow:0 14px 30px rgba(24,58,103,.27)}
.start-option-content a:hover:before{transform:translateX(100%)}

.submit-button{
  min-height:58px;
  border-radius:999px;
  background:linear-gradient(105deg,#173b6b,#3975ab);
  box-shadow:0 12px 26px rgba(16,51,91,.24);
  letter-spacing:.04em;
  transition:transform .2s ease,box-shadow .2s ease,filter .2s ease;
}
.submit-button:hover{transform:translateY(-2px);box-shadow:0 16px 34px rgba(16,51,91,.32);filter:saturate(1.08)}
.submit-button:active{transform:translateY(0)}
.contact-alt .phone-button{
  display:flex;
  min-height:56px;
  align-items:center;
  justify-content:center;
  gap:11px;
  border:1px solid rgba(255,255,255,.82);
  border-radius:999px;
  background:rgba(255,255,255,.08);
  font-family:Figtree,"Noto Sans JP",sans-serif;
  letter-spacing:.05em;
}
.phone-button span{font-size:20px;line-height:1;transform:rotate(-12deg)}
.phone-button strong{font-size:17px;font-weight:600}

@media(max-width:900px){
  .section-heading h2{font-size:27px!important}
  .contact-section .section-heading h2{font-size:27px!important;line-height:1.55}
  .scroll-copy-results .wish-list{padding-top:16px}
  .scroll-copy-results .saving-copy dl div{font-size:14px}
  .scroll-copy-results .saving-copy small{display:block;width:100%;text-align:right}
  .results-links{width:calc(100% + 24px);margin-right:-12px;margin-bottom:24px;margin-left:-12px}
  .results-links a{min-height:54px;padding:12px 18px;font-size:16px}
  .simulator-section{background-attachment:scroll;background-position:center 58%}
  .simulator-card{border-radius:2px}
  .simulator-title{padding:17px 18px;font-size:13px}
  .simulator-body{padding:28px 20px 24px}
  .saving-panel{margin-top:26px;padding:28px 18px}
  .start-option-content a{width:100%;font-size:14px}
  .after-send strong{font-size:13px}
  .after-send p{font-size:12px}
  .guide-contact-short{min-height:34px;padding:7px 14px;font-size:11px}
  .phone-button strong{font-size:16px}
}

@media(prefers-reduced-motion:reduce){
  .start-option-content a,.start-option-content a:before,.submit-button{transition:none}
}

/* START HERE: step title to description spacing */
.after-send strong{margin-bottom:14px}
@media(max-width:900px){.after-send strong{margin-bottom:2px}}

/* FV readability and clearer contact choice / v15 */
.scroll-copy-primary .hero-kicker{font-size:17px}
.hero-cta-note{font-size:17px}
.scroll-copy-results .saving-copy dl div{
  padding:9px 10px;
  border-bottom:1px solid #fff;
  background:rgba(38,91,151,.34);
}
.scroll-copy-results .saving-copy dl div:first-child{border-top:1px solid #fff}
.contact-mode-switch>p em{margin-left:4px;color:#d94a5a;font-style:normal}
.contact-mode-switch button{
  position:relative;
  display:flex;
  align-items:center;
  border-radius:10px;
  box-shadow:0 4px 12px rgba(25,57,95,.08);
  transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease;
}
.contact-mode-switch button:before{
  content:"";
  flex:0 0 18px;
  width:18px;
  height:18px;
  margin-right:10px;
  border:2px solid #7693b3;
  border-radius:50%;
  background:#fff;
}
.contact-mode-switch button[aria-pressed="true"]{box-shadow:0 7px 16px rgba(18,51,124,.2)}
.contact-mode-switch button[aria-pressed="true"]:before{
  border-color:#fff;
  background:#efcaa7;
  box-shadow:inset 0 0 0 4px var(--navy);
}
.contact-mode-switch button:hover{transform:translateY(-1px);box-shadow:0 8px 18px rgba(25,57,95,.15)}

@media(max-width:900px){
  .scroll-copy-primary .hero-kicker{width:calc(100vw - 48px);font-size:clamp(14px,4.05vw,16px);letter-spacing:-.03em;white-space:nowrap}
  .hero-cta-note{font-size:14px}
}

/* Simulator visual matched to the supplied comp / v16 */
.simulator-section{
  background-image:linear-gradient(180deg,rgba(24,103,184,.36),rgba(40,111,183,.25)),url('./assets/simulator-city.jpg?v=2');
  background-position:center center;
}
.simulator-section:before{background:rgba(34,105,181,.1)}
.simulator-section .section-heading{position:relative;z-index:1}
.simulator-section .section-label{color:#2f5886}
.simulator-section .section-heading h2{color:#fff;text-shadow:0 1px 14px rgba(17,54,100,.24)}
.simulator-card{
  border:0;
  border-radius:0;
  background:rgba(255,255,255,.54);
  box-shadow:none;
  backdrop-filter:none;
}
.simulator-title{
  margin:0 24px;
  padding:19px 12px 10px;
  border-bottom:1px solid #2f5886;
  color:#2f5886;
  text-align:center;
  letter-spacing:.04em;
}
.simulator-title span{display:none}
.simulator-body{padding:24px 32px 34px}
.simulator-body input[type=range]{accent-color:#2f5886}
.simulator-body .range-scale{color:#2f5886}
.saving-panel{
  min-height:360px;
  margin:28px 0 0;
  padding:36px 18px 20px;
  border:0;
  border-radius:0;
  background:rgba(226,226,226,.95);
  box-shadow:0 10px 22px rgba(23,59,107,.1);
}
.saved-amount{
  margin:28px 0 0;
  padding:18px 14px;
  border-radius:0;
  background:#2f5886;
  box-shadow:none;
}

@media(max-width:900px){
  .section.simulator-section{padding:64px 36px 74px;background-position:center center}
  .simulator-section .section-heading{margin-bottom:18px}
  .simulator-card{background:rgba(255,255,255,.56)}
  .simulator-title{margin:0 11px;padding:18px 8px 9px;font-size:13px}
  .simulator-body{padding:24px 32px 20px}
  .price-label>span{font-size:12px}
  .price-label strong{font-size:27px}
  .saving-panel{min-height:410px;margin-top:29px;padding:34px 13px 19px}
  .saved-amount{margin-top:28px;padding:17px 10px}
}

/* Desktop layout stabilization / v18 */
@media(min-width:901px){
  .site-header{height:80px;padding-right:max(4.4vw,48px);padding-left:max(4.4vw,48px)}
  .site-header.scrolled{height:72px}
  .wordmark{width:170px;height:60px}
  .wordmark-on-fv{font-size:28px}
  .site-nav{gap:28px;font-size:12px}
  .nav-contact{padding:10px 23px}

  .scroll-copy{left:max(4.4vw,64px)}
  .scroll-copy-primary{width:min(620px,48vw)}
  .scroll-copy-primary .hero-kicker{margin-bottom:42px;font-size:16px}
  .scroll-copy h1{font-size:clamp(44px,4.15vw,60px);line-height:1.52}
  .hero-actions{margin-top:36px}
  .hero-cta-note{font-size:15px;line-height:1.8}
  .hero-actions .hero-cta-primary{width:420px;min-height:64px}

  .scroll-copy-results{
    width:min(1180px,calc(100vw - 128px));
    grid-template-columns:minmax(430px,.95fr) minmax(520px,1.05fr);
    column-gap:76px;
    row-gap:34px;
  }
  .scroll-copy-results .wish-list p{margin:22px 0;font-size:clamp(27px,2.2vw,32px);line-height:1.55;white-space:nowrap}
  .scroll-copy-results .saving-copy>p{font-size:19px}
  .saving-total-line{font-size:17px!important}
  .saving-total-line strong{font-size:clamp(62px,5.2vw,76px)}
  .scroll-copy-results .saving-copy dl{max-width:none;margin-top:22px}
  .scroll-copy-results .saving-copy dl div{font-size:14px}
  .results-links{grid-column:1/-1;width:100%;margin-top:6px}
  .results-links a{font-size:16px}

  .section{padding-top:108px;padding-bottom:108px}
  .section-heading{margin-bottom:48px}
  .section-heading h2{font-size:clamp(38px,3.45vw,50px)}

  .about-section,
  .why-section,
  .start-section,
  .promise-section,
  .flow-section,
  .faq-section{
    display:grid;
    grid-template-columns:minmax(300px,400px) minmax(0,760px);
    justify-content:center;
    align-items:start;
    column-gap:64px;
  }
  .about-section .section-heading,
  .why-section .section-heading,
  .start-section .section-heading,
  .promise-section .section-heading,
  .flow-section .section-heading,
  .faq-section .section-heading{
    width:auto;
    margin:0;
  }
  .about-section .section-heading h2,
  .why-section .section-heading h2,
  .start-section .section-heading h2,
  .promise-section .section-heading h2,
  .flow-section .section-heading h2,
  .faq-section .section-heading h2{font-size:44px}
  .about-copy,
  .why-accordion,
  .start-accordion,
  .promise-list,
  .flow-list,
  .faq-list{width:100%;margin:0}

  .about-copy>p{font-size:22px;line-height:1.9}
  .about-copy ul{margin-top:24px}
  .about-guide-links{margin-top:22px}
  .about-guide-links a{min-height:50px}

  .simulator-section{padding-top:96px;padding-bottom:112px}
  .simulator-section .section-heading{margin-bottom:30px}
  .simulator-card{width:min(660px,100%)}
  .saving-panel{min-height:330px;padding-top:30px}

  .why-section .section-heading>p:last-child{font-size:15px;line-height:1.8}
  .why-accordion summary{grid-template-columns:66px 1fr 28px;padding:24px 0}
  .why-accordion summary strong{font-size:19px}
  .why-content{padding:8px 20px 36px 66px}

  .agent-section{padding-top:108px;padding-bottom:108px}
  .agent-section .section-heading{max-width:1160px;margin-bottom:60px;text-align:left}
  .agent-section .section-heading h2{max-width:720px}
  .agent-section .section-heading>p:last-child{max-width:500px}
  .agent-gallery{gap:10px}
  .agent-gallery img{aspect-ratio:1.35}
  .agent-story{width:min(960px,calc(100% - 128px));margin-top:60px;grid-template-columns:240px 1fr;gap:72px}
  .agent-story blockquote{font-size:16px;line-height:2}

  .start-section{row-gap:54px}
  .start-accordion{grid-column:2}
  .start-option summary{grid-template-columns:72px 1fr 30px;min-height:138px;padding:28px 24px}
  .start-option summary .start-no{font-size:32px}
  .start-option summary strong{font-size:21px}
  .start-option-content{padding:32px 38px 38px 96px}
  .after-send{grid-column:1/-1;width:min(1000px,100%);margin:8px auto 0}
  .after-send ol{margin-top:24px}
  .after-send li{padding:24px}

  .promise-section{background:var(--navy)}
  .promise-section .section-heading{padding-top:4px}
  .promise-list summary{grid-template-columns:48px 1fr 28px;padding:22px 2px}
  .promise-list summary strong{font-size:17px}

  .flow-list summary{grid-template-columns:125px 1fr 28px;padding:23px 0}
  .flow-list summary span{font-size:14px}
  .flow-list summary h3{font-size:20px}
  .flow-list details>p{padding:0 30px 28px 125px;font-size:14px;line-height:1.9}

  .faq-list summary{padding-top:22px;padding-bottom:22px}
  .faq-list details p{padding-bottom:24px;line-height:1.9}

  .contact-section{padding-top:112px;padding-bottom:112px}
  .contact-section .section-heading{width:min(980px,100%);margin-bottom:44px}
  .contact-form{width:min(820px,100%);padding:52px 56px}
  .site-footer{padding-top:58px;padding-bottom:64px}
}

/* Requested CTA, START HERE and agent refinements / v19 */
.hero-actions .hero-cta-primary{
  width:min(420px,100%);
  min-height:58px;
  justify-content:center;
  border:2px solid #fff;
  border-radius:999px;
  color:#fff;
  background:transparent;
}
.hero-actions .hero-cta-primary span{display:none}

.results-links{justify-content:flex-start}
.results-links a{
  flex:0 1 430px;
  width:min(430px,100%);
  min-height:58px;
  padding:12px 24px;
  justify-content:center;
  border:1px solid rgba(255,255,255,.92);
  border-radius:999px;
  background:rgba(255,255,255,.08);
}
.results-links a span{margin-left:18px}

.start-accordion{display:grid;gap:18px}
.start-accordion details,.start-accordion details:last-child{border:0}
.start-option-photo summary{
  background-position:center 18%;
}
.start-option-search summary{
  background-position:center 24%;
}
.agent-credentials strong{white-space:nowrap}

@media(min-width:901px){
  .agent-story{
    width:min(1080px,calc(100% - 96px));
    grid-template-columns:310px minmax(0,1fr);
    gap:56px;
  }
}

@media(max-width:900px){
  .results-links a{
    flex:0 0 auto;
    width:100%;
    border-radius:999px;
    justify-content:center;
  }
  .start-accordion{gap:16px}
  .start-option-photo summary{background-position:center 18%}
  .start-option-search summary{background-position:center 23%}
}

/* Image balance refinements / v20 */
.agent-gallery img:nth-child(2){filter:brightness(1.13) saturate(.96)}
.start-option-photo summary,
.start-option-search summary{
  min-height:160px;
  background-position:center top;
}

@media(max-width:900px){
  .start-accordion{gap:18px}
  .start-option-photo summary,
  .start-option-search summary{
    min-height:120px;
    background-position:center top;
  }
}

/* Production refinements / v21 */
.agent-gallery img:nth-child(2){filter:none;object-position:62% center}
@media(min-width:901px){
  .scroll-image.is-first{object-position:center 27%}
}
.simulator-title span{
  display:inline-flex;
  width:22px;
  height:22px;
  margin-right:9px;
  align-items:center;
  justify-content:center;
  border:1px solid currentColor;
  color:#5880b2;
  font-size:14px;
  line-height:1;
  vertical-align:-2px;
}
.form-status{min-height:1.8em;margin:14px 0 0;text-align:center;font-size:13px;color:var(--navy)}
.form-status.is-error{color:#b22f3b}
.form-status.is-success{color:#19704c;font-weight:600}
.submit-button:disabled{cursor:wait;opacity:.68;transform:none;box-shadow:none}

@media(max-width:900px){
  .results-links a{border-radius:0}
  .results-links a span{display:none}
}

/* Enhanced-conversion disclosure / v22 */
.privacy-note{margin:0 0 16px;color:var(--muted);line-height:1.75}
.privacy-note a{color:var(--navy);text-decoration:underline;text-underline-offset:2px}