._guidePage_16cni_1{--wine:#893a33;--ink:#1b292d;--paper:#f4efe6;--paper-light:#fbf8f1;--muted:#68706d;--line:#1b292d2b;background:var(--paper);min-height:100vh;color:var(--ink);overflow:hidden}._header_16cni_2{border-bottom:1px solid var(--line);background:var(--paper-light);justify-content:space-between;align-items:center;min-height:82px;padding:0 clamp(20px,5vw,72px);display:flex}._brand_16cni_3{font-family:var(--font-serif);letter-spacing:.02em;font-size:17px;font-weight:600}._brand_16cni_3 small{color:var(--muted);font-family:var(--font-sans);letter-spacing:.16em;margin-top:3px;font-size:8px;font-weight:500;display:block}._headerLink_16cni_5{background:var(--ink);color:#fff;padding:11px 17px;font-size:11px;font-weight:700}._breadcrumb_16cni_6{width:min(1180px,100% - 48px);color:var(--muted);flex-wrap:wrap;gap:9px;margin:0 auto;padding:24px 0;font-size:9px;display:flex}._breadcrumb_16cni_6 a{text-underline-offset:3px;text-decoration:underline}._eyebrow_16cni_8{color:var(--wine);letter-spacing:.15em;text-transform:uppercase;margin:0 0 19px;font-size:10px;font-weight:700}._indexHero_16cni_10{grid-template-columns:1.15fr .55fr;align-items:end;gap:clamp(52px,10vw,130px);width:min(1180px,100% - 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48px);margin:0 auto;padding:120px 0;display:grid}._indexPolicy_16cni_18>._eyebrow_16cni_8{grid-column:1/-1}._indexPolicy_16cni_18>div p{color:var(--muted);margin:0 0 20px;font-size:13px;line-height:2}._articleHero_16cni_11{grid-template-columns:1.05fr .65fr;align-items:center;gap:clamp(45px,8vw,110px);width:min(1180px,100% - 48px);margin:36px auto 0;padding-bottom:96px;display:grid}._articleLead_16cni_37{color:#4d5754;max-width:760px;margin:30px 0 0;font-size:14px;line-height:2}._articleMeta_16cni_38{border-block:1px solid var(--line);grid-template-columns:repeat(3,1fr);margin:40px 0 0;display:grid}._articleMeta_16cni_38 div{border-right:1px solid var(--line);padding:15px 13px}._articleMeta_16cni_38 div:last-child{border-right:0}._articleMeta_16cni_38 dt{color:var(--muted);font-size:8px}._articleMeta_16cni_38 dd{margin:6px 0 0;font-size:10px;font-weight:700}._articleImage_16cni_43{aspect-ratio:.78;background:#ddd4c6;margin:0;overflow:hidden}._articleImage_16cni_43 img{object-fit:cover;width:100%;height:100%;display:block}._articleGrid_16cni_45{background:var(--paper-light);grid-template-columns:280px minmax(0,740px);justify-content:center;gap:clamp(50px,9vw,130px);padding:110px max(24px,50vw - 590px);display:grid}._takeaways_16cni_46{border-top:3px solid var(--wine);background:var(--paper);align-self:start;padding:25px;position:sticky;top:24px}._takeaways_16cni_46>p{color:var(--wine);margin:0;font-size:10px;font-weight:700}._takeaways_16cni_46 ul{margin:21px 0 0;padding:0;list-style:none}._takeaways_16cni_46 li{border-top:1px solid var(--line);font-family:var(--font-serif);padding:14px 0;font-size:13px;line-height:1.75}._articleBody_16cni_50 section:first-child{margin-top:0}._articleBody_16cni_50 h2{font-family:var(--font-serif);margin:0 0 30px;font-size:clamp(29px,3vw,40px);font-weight:600;line-height:1.55}._articleBody_16cni_50 h3{font-family:var(--font-serif)}._articleBody_16cni_50 p{color:#4f5956;font-size:14px;line-height:2.1}._answerFirst_16cni_55{border-left:4px solid var(--wine);background:#eee6d9;margin:0;padding:25px 27px}._answerFirst_16cni_55 strong{color:var(--wine)}._sectionNumber_16cni_57{letter-spacing:.12em;font-weight:700;color:var(--wine)!important;margin:0 0 15px!important;font-size:10px!important}._numberedList_16cni_58{border-top:1px solid var(--line);counter-reset:item;margin:40px 0 0;padding:0;list-style:none}._numberedList_16cni_58 li{border-bottom:1px solid var(--line);counter-increment:item;grid-template-columns:1fr 1.35fr;gap:34px;min-height:112px;padding:25px 0;display:grid}._numberedList_16cni_58 li strong{font-family:var(--font-serif);font-size:17px;line-height:1.7}._numberedList_16cni_58 li strong:before{content:"0" counter(item) "　";color:var(--wine);font-family:var(--font-sans);font-size:9px}._numberedList_16cni_58 li span{color:var(--muted);font-size:12px;line-height:1.95}._timeline_16cni_63{border-left:1px solid var(--wine)}._timeline_16cni_63 article{padding:0 0 42px 38px;position:relative}._timeline_16cni_63 article:before{content:"";background:var(--wine);border-radius:50%;width:9px;height:9px;position:absolute;top:4px;left:-5px}._timeline_16cni_63 article:last-child{padding-bottom:0}._timeline_16cni_63 span{color:var(--wine);font-size:9px;font-weight:700}._timeline_16cni_63 h3{margin:9px 0 10px;font-size:20px}._timeline_16cni_63 p{margin:0;font-size:12px}._checklist_16cni_70{border:1px solid var(--line);grid-template-columns:1fr 1fr;margin:35px 0 0;padding:0;list-style:none;display:grid}._checklist_16cni_70 li{border-right:1px solid var(--line);border-bottom:1px solid var(--line);color:#4f5956;min-height:76px;padding:19px 22px 19px 45px;font-size:12px;line-height:1.8;position:relative}._checklist_16cni_70 li:before{content:"□";color:var(--wine);position:absolute;top:19px;left:19px}._budgetCards_16cni_73{border:1px solid var(--line);grid-template-columns:repeat(3,1fr);margin:38px 0 20px;display:grid}._budgetCards_16cni_73 article{border-right:1px solid var(--line);padding:27px 23px}._budgetCards_16cni_73 article:last-child{border-right:0}._budgetCards_16cni_73 span{color:var(--wine);font-size:11px;font-weight:700}._budgetCards_16cni_73 h3{min-height:58px;margin:26px 0 14px;font-size:17px;line-height:1.7}._budgetCards_16cni_73 p{margin:0;font-size:11px}._smallNote_16cni_79{padding:15px 0;color:var(--muted)!important;font-size:10px!important}._comparisonGrid_16cni_80{border-top:1px solid var(--line);grid-template-columns:1fr 1fr;margin:36px 0;display:grid}._comparisonGrid_16cni_80 article{border-bottom:1px solid var(--line);min-height:124px;padding:24px 24px 20px 0}._comparisonGrid_16cni_80 article:nth-child(odd){border-right:1px solid var(--line)}._comparisonGrid_16cni_80 article:nth-child(2n){padding-left:24px}._comparisonGrid_16cni_80 strong{color:var(--wine);font-size:12px}._comparisonGrid_16cni_80 p{margin:9px 0 0;font-size:11px}._noteBox_16cni_86{color:#fff;background:#1b292d;padding:38px!important}._noteBox_16cni_86 h2{color:#fff;font-size:28px}._noteBox_16cni_86 p{color:#ffffffa6;margin-bottom:0}._checklistGroups_16cni_89{background:var(--line);border:1px solid var(--line);grid-template-columns:1fr 1fr;gap:1px;display:grid}._checklistGroups_16cni_89 section{background:var(--paper-light);margin:0;padding:27px 25px}._checklistGroups_16cni_89 section>p{color:var(--wine);margin:0;font-size:9px}._checklistGroups_16cni_89 h3{margin:9px 0 20px;font-size:19px}._checklistGroups_16cni_89 ul{margin:0;padding:0;list-style:none}._checklistGroups_16cni_89 li{border-top:1px solid var(--line);color:#4f5956;grid-template-columns:22px 1fr;padding:11px 0;font-size:11px;line-height:1.75;display:grid}._checklistGroups_16cni_89 li span{color:var(--wine)}._memoTemplate_16cni_96{background:#eee6d9;margin-top:32px;padding:26px 30px}._memoTemplate_16cni_96 p{border-bottom:1px dotted #1b292d59;margin:0;padding:12px 0;font-size:11px}._transparency_16cni_18,._related_16cni_18,._indexPolicy_16cni_18{width:min(1180px,100% - 48px)}._transparency_16cni_18{margin:0 auto;padding:110px 0}._transparency_16cni_18 dl{border-top:1px solid var(--line);margin:55px 0 0}._transparency_16cni_18 dl div{border-bottom:1px solid var(--line);grid-template-columns:220px 1fr;padding:21px 0;display:grid}._transparency_16cni_18 dt{color:var(--muted);font-size:10px}._transparency_16cni_18 dd{margin:0;font-size:12px;line-height:1.8}._sources_16cni_105{flex-wrap:wrap;align-items:center;gap:12px 25px;margin-top:35px;font-size:10px;display:flex}._sources_16cni_105 strong{width:100%;color:var(--muted)}._sources_16cni_105 a{text-underline-offset:4px;text-decoration:underline}._sources_16cni_105 span{color:var(--wine);margin-left:5px}._articleCta_16cni_109{background:var(--wine);color:#fff;text-align:center;padding:100px max(24px,50vw - 460px)}._articleCta_16cni_109>p:first-child{color:#e3c69e;letter-spacing:.11em;margin:0 0 19px;font-size:10px;font-weight:700}._articleCta_16cni_109 h2{font-family:var(--font-serif);margin:0;font-size:clamp(35px,4.5vw,57px);font-weight:600;line-height:1.55}._articleCta_16cni_109>p:not(:first-child){color:#ffffffad;max-width:640px;margin:25px auto 0;font-size:12px;line-height:1.9}._articleCta_16cni_109>a{width:min(390px,100%);min-height:62px;color:var(--ink);background:#fff;justify-content:space-between;align-items:center;margin:38px auto 0;padding:0 22px;font-size:12px;font-weight:700;display:flex}._related_16cni_18{margin:0 auto;padding:110px 0 120px}._relatedGrid_16cni_115{border:1px solid var(--line);grid-template-columns:repeat(3,1fr);margin-top:54px;display:grid}._relatedGrid_16cni_115>a{border-right:1px solid var(--line);min-height:230px;padding:29px}._relatedGrid_16cni_115>a:last-child{border-right:0}._relatedGrid_16cni_115 span{color:var(--wine);font-size:9px}._relatedGrid_16cni_115 strong{font-family:var(--font-serif);margin:35px 0 14px;font-size:20px;display:block}._relatedGrid_16cni_115 p{color:var(--muted);margin:0;font-size:11px;line-height:1.8}._guideIndexLink_16cni_121{border-bottom:1px solid var(--ink);margin-top:26px;font-size:11px;font-weight:700;display:inline-block}._footer_16cni_122{color:#fff;background:#142125;justify-content:space-between;align-items:flex-end;gap:30px;min-height:150px;padding:45px max(24px,50vw - 590px);display:flex}._footer_16cni_122 a{font-family:var(--font-serif);font-size:17px}._footer_16cni_122 p{color:#ffffff73;margin:0;font-size:9px}._indexHero_16cni_10{grid-template-columns:minmax(0,1.618fr) minmax(270px,1fr);gap:clamp(46px,7vw,92px);padding-block:64px 88px}._indexHero_16cni_10 h1{font-size:clamp(46px,5.4vw,70px);line-height:1.42}._articleHero_16cni_11{grid-template-columns:minmax(0,1.618fr) minmax(340px,1fr);gap:clamp(42px,6vw,82px);padding-bottom:88px}._articleHero_16cni_11 h1{font-size:clamp(38px,4.6vw,62px);line-height:1.5}._articleLead_16cni_37{font-size:15px;line-height:2.05}._indexHero_16cni_10>div>p:last-child{font-size:16px;line-height:2}._indexArticles_16cni_16,._indexPolicy_16cni_18,._transparency_16cni_18{padding-block:96px}._articleGrid_16cni_45{grid-template-columns:minmax(240px,280px) minmax(0,740px);gap:clamp(48px,7vw,100px);padding-block:96px}._articleBody_16cni_50 section{margin-top:78px}._articleBody_16cni_50 p{font-size:15px;line-height:2.05}._numberedList_16cni_58 li span,._timeline_16cni_63 p,._checklist_16cni_70 li,._transparency_16cni_18 dd{font-size:13px}._indexGrid_16cni_19 p,._relatedGrid_16cni_115 p{font-size:12.5px}._indexGrid_16cni_19 h3{font-size:23px}._cardCopy_16cni_25{min-height:300px}._articleCta_16cni_109{padding-block:88px}._related_16cni_18{padding-block:96px 106px}._brand_16cni_3 small,._articleMeta_16cni_38 dt,._indexGrid_16cni_19 span,._indexGrid_16cni_19 small,._relatedGrid_16cni_115 span,._footer_16cni_122 p{font-size:10px}@media (max-width:850px){._indexHero_16cni_10,._articleHero_16cni_11,._indexPolicy_16cni_18{grid-template-columns:1fr}._articleImage_16cni_43{aspect-ratio:1.45}._indexGrid_16cni_19{grid-template-columns:1fr}._indexGrid_16cni_19 article{grid-template-columns:.7fr 1fr;display:grid}._indexGrid_16cni_19 article>div{min-height:310px}._cardImage_16cni_22{aspect-ratio:auto;height:100%}._articleGrid_16cni_45{grid-template-columns:1fr}._takeaways_16cni_46{position:static}._relatedGrid_16cni_115{grid-template-columns:1fr}._relatedGrid_16cni_115>a{border-right:0;border-bottom:1px solid var(--line)}._relatedGrid_16cni_115>a:last-child{border-bottom:0}}@media (max-width:620px){._header_16cni_2{min-height:72px}._brand_16cni_3{font-size:13px}._headerLink_16cni_5{padding:9px 12px;font-size:9px}._breadcrumb_16cni_6,._indexHero_16cni_10,._articleHero_16cni_11,._transparency_16cni_18,._related_16cni_18,._indexPolicy_16cni_18{width:min(100% - 36px,620px)}._indexHero_16cni_10{padding:45px 0 75px}._indexHero_16cni_10 h1,._articleHero_16cni_11 h1{font-size:40px}._indexGrid_16cni_19 article{display:block}._cardImage_16cni_22{aspect-ratio:1.42}._indexGrid_16cni_19 article>div{min-height:300px}._articleHero_16cni_11{padding-bottom:72px}._articleImage_16cni_43{aspect-ratio:1.15}._articleMeta_16cni_38{grid-template-columns:1fr}._articleMeta_16cni_38 div{border-right:0;border-bottom:1px solid var(--line)}._articleMeta_16cni_38 div:last-child{border-bottom:0}._numberedList_16cni_58 li{grid-template-columns:1fr;gap:12px}._checklist_16cni_70,._budgetCards_16cni_73,._comparisonGrid_16cni_80,._checklistGroups_16cni_89,._relatedGrid_16cni_115{grid-template-columns:1fr}._checklist_16cni_70 li,._budgetCards_16cni_73 article,._comparisonGrid_16cni_80 article,._comparisonGrid_16cni_80 article:nth-child(odd),._relatedGrid_16cni_115>a{border-right:0}._comparisonGrid_16cni_80 article:nth-child(2n){padding-left:0}._transparency_16cni_18 dl div{grid-template-columns:1fr;gap:8px}._relatedGrid_16cni_115>a{border-bottom:1px solid var(--line)}._relatedGrid_16cni_115>a:last-child{border-bottom:0}._footer_16cni_122{flex-direction:column;align-items:flex-start}._breadcrumb_16cni_6{padding-block:20px}._indexHero_16cni_10{margin-top:26px;padding-block:36px 62px}._indexHero_16cni_10 h1{font-size:40px;line-height:1.42}._indexHero_16cni_10>div>p:last-child{margin-top:28px;font-size:15px;line-height:2}._indexHero_16cni_10 aside{padding-block:24px}._indexArticles_16cni_16{padding-block:72px}._cardCopy_16cni_25{min-height:270px;padding:27px 24px 25px}._articleHero_16cni_11{margin-top:26px;padding-bottom:62px}._articleHero_16cni_11 h1{font-size:38px;line-height:1.55}._articleLead_16cni_37{font-size:15px}._articleGrid_16cni_45{padding-block:68px}._articleBody_16cni_50 section{margin-top:60px}._articleBody_16cni_50 h2{font-size:28px;line-height:1.55}._articleBody_16cni_50 p{font-size:15px;line-height:2}._answerFirst_16cni_55{padding:23px 22px}._numberedList_16cni_58{margin-top:34px}._numberedList_16cni_58 li{padding-block:22px}._noteBox_16cni_86{padding:30px 24px!important}._checklistGroups_16cni_89 section{padding:24px 22px}._indexPolicy_16cni_18,._transparency_16cni_18,._related_16cni_18,._articleCta_16cni_109{padding-block:76px}._relatedGrid_16cni_115{margin-top:44px}}@media print{._header_16cni_2,._breadcrumb_16cni_6,._articleCta_16cni_109,._related_16cni_18,._footer_16cni_122{display:none}._guidePage_16cni_1,._articleGrid_16cni_45{background:#fff}._articleHero_16cni_11,._articleGrid_16cni_45{padding:24px 0;display:block}._articleImage_16cni_43,._takeaways_16cni_46{display:none}._checklistGroups_16cni_89{grid-template-columns:1fr 1fr}}._inlineConsultation_16cni_234{--ink-soft:#344346;width:min(760px,100% - 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