/* みんなのマネースクール 公式サイト｜下層ページ共通スタイル */
:root{
  --navy:#0C2340;
  --navy-deep:#071A31;
  --navy-soft:#1B3A63;
  --gold:#C9A227;
  --gold-dk:#8A6A14;
  --gold-lt:#F2DC97;
  --gold-shine:linear-gradient(135deg,#FDF6D6 0%,#F0D874 22%,#C9A227 48%,#FBEFC0 68%,#D9B33C 86%,#C9A227 100%);
  --gold-line:linear-gradient(90deg,rgba(201,162,39,0) 0%,#C9A227 22%,#FBEFC0 50%,#C9A227 78%,rgba(201,162,39,0) 100%);
  --purple:#4B2E63;
  --paper:#FBFAF7;
  --paper-2:#F4F1EA;
  --ink:#1D1D1F;
  --muted:#414B59;
  --line:#E3DFD7;
  --serif-ja:"Noto Serif JP","Yu Mincho",YuMincho,"Hiragino Mincho ProN",serif;
  --serif-en:"Cormorant Garamond","Noto Serif JP",serif;
  --sans-ja:"Noto Sans JP","Hiragino Kaku Gothic ProN","Meiryo",sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:var(--sans-ja);color:var(--ink);background:var(--paper);
  line-height:1.95;-webkit-font-smoothing:antialiased;font-size:16.5px;
}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:1180px;margin:0 auto;padding:0 28px}

/* ── ユーティリティバー ───────────────────── */
.utility{background:var(--navy-deep);color:#D3DAE4;font-size:12.5px;letter-spacing:.06em}
.utility .wrap{display:flex;justify-content:flex-end;align-items:center;height:44px}
.utility a{
  display:inline-flex;align-items:center;height:44px;padding:0 18px;line-height:1;
  white-space:nowrap;opacity:.85;border-left:1px solid rgba(255,255,255,.10);transition:.2s;
}
.utility a:first-of-type{border-left:none}
.utility a:hover{opacity:1;color:var(--gold-lt)}
.utility .login{
  height:30px;margin-left:20px;padding:0 20px;border:1px solid var(--gold);border-radius:2px;
  color:var(--gold-lt);opacity:1;font-weight:700;letter-spacing:.08em;
}
.utility .login:hover{background:var(--gold-shine);color:var(--navy-deep);border-color:transparent}

/* ── ヘッダー ─────────────────────────────── */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:92px;gap:26px;max-width:1280px}
.brand{display:flex;align-items:center;gap:14px;flex:none}
.crest{width:40px;height:46px;flex:none}
.logo-img{height:50px;width:auto;display:block}
.logo-img-footer{height:44px}
.brand-text{display:flex;flex-direction:column;justify-content:center}
.brand-text .ja{
  display:block;white-space:nowrap;font-family:var(--serif-ja);font-weight:600;
  font-size:20px;letter-spacing:.10em;color:var(--navy);line-height:1.3;
}
.brand-text .en{
  display:block;white-space:nowrap;font-family:var(--serif-en);font-size:11.5px;
  letter-spacing:.26em;font-weight:700;color:var(--gold-dk);text-transform:uppercase;
  margin-top:4px;line-height:1;
}
.gnav{display:flex;align-items:center;gap:24px;flex:none}
.gnav a{
  font-size:13.8px;letter-spacing:.04em;color:var(--navy);white-space:nowrap;font-weight:500;
  padding:6px 0;border-bottom:2px solid transparent;transition:.2s;
}
.gnav a:hover{border-bottom-color:var(--gold);color:var(--navy-soft)}
.btn{
  display:inline-block;font-size:13.5px;letter-spacing:.08em;font-weight:500;
  padding:13px 26px;border-radius:2px;transition:.22s;white-space:nowrap;
}
.btn-gold{
  background:var(--gold-shine);background-size:180% 180%;background-position:0% 50%;
  color:#0A1A2F;font-weight:600;box-shadow:0 2px 10px rgba(201,162,39,.30);
  transition:background-position .45s ease,box-shadow .25s ease;
}
.btn-gold:hover{background-position:100% 50%;box-shadow:0 6px 22px rgba(201,162,39,.48)}
.btn-outline{border:1px solid var(--navy);color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}

/* ── ページ見出し ─────────────────────────── */
.page-head{
  color:#fff;position:relative;overflow:hidden;
  background:
    radial-gradient(900px 460px at 80% 10%, rgba(201,162,39,.18), transparent 62%),
    radial-gradient(620px 420px at 6% 92%, rgba(75,46,99,.32), transparent 60%),
    linear-gradient(158deg,#071A31 0%,#0C2340 46%,#142F52 100%);
}
.page-head::after{
  content:"";position:absolute;inset:0;opacity:.16;pointer-events:none;
  background-image:repeating-linear-gradient(118deg,rgba(255,255,255,.09) 0 1px,transparent 1px 9px);
}
.page-head .wrap{position:relative;z-index:2;padding:74px 28px 78px;text-align:center}
.page-head .en{
  font-family:var(--serif-en);font-size:14px;letter-spacing:.32em;font-weight:700;
  color:var(--gold-lt);text-transform:uppercase;margin-bottom:18px;
}
.page-head .en::after{content:"";display:block;width:72px;height:2px;background:var(--gold-line);margin:16px auto 0}
.page-head h1{
  font-family:var(--serif-ja);font-weight:600;font-size:clamp(26px,3.4vw,38px);
  letter-spacing:.08em;line-height:1.55;
}

/* ── パンくず ─────────────────────────────── */
.crumb{background:var(--paper-2);border-bottom:1px solid var(--line);font-size:12.5px;color:var(--muted)}
.crumb .wrap{padding:14px 28px}
.crumb a:hover{color:var(--gold-dk);text-decoration:underline}

/* ── 本文 ─────────────────────────────────── */
.doc{padding:80px 0 104px}
.doc .wrap{max-width:900px}
.doc .lead{color:var(--muted);margin-bottom:52px;font-size:15.5px}
.doc h2{
  font-family:var(--serif-ja);font-size:21px;font-weight:600;color:var(--navy);
  letter-spacing:.05em;line-height:1.6;margin:52px 0 20px;
  padding-left:16px;border-left:3px solid var(--gold);
}
.doc h2:first-of-type{margin-top:0}
.doc h3{
  font-family:var(--serif-ja);font-size:17px;font-weight:600;color:var(--navy);
  margin:32px 0 12px;letter-spacing:.04em;
}
.doc p{margin-bottom:18px;color:#2B3441}
.doc ul,.doc ol{margin:0 0 20px 1.5em;color:#2B3441}
.doc li{margin-bottom:9px}
.doc table{
  width:100%;border-collapse:collapse;margin-bottom:28px;font-size:15.5px;
  border-top:1px solid var(--line);
}
.doc th,.doc td{padding:18px 16px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.doc th{
  width:32%;background:var(--paper-2);color:var(--navy);font-weight:600;
  font-family:var(--serif-ja);letter-spacing:.05em;white-space:nowrap;
}
.doc td{color:#2B3441}
.doc .updated{margin-top:56px;padding-top:24px;border-top:1px solid var(--line);font-size:13.5px;color:var(--muted);text-align:right}
.doc .back{margin-top:44px;text-align:center}

/* ── フッター ─────────────────────────────── */
footer{background:#fff;color:var(--muted);font-size:13.5px;padding:76px 0 0;border-top:1px solid var(--line)}
.f-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:44px;padding-bottom:56px}
.f-brand .brand-text .ja{color:var(--navy);font-size:18px}
.f-brand p{margin-top:22px;line-height:2;font-size:13.3px}
footer h4{
  color:var(--navy);font-family:var(--serif-ja);font-size:15px;font-weight:600;letter-spacing:.1em;
  margin-bottom:20px;padding-bottom:12px;border-bottom:1px solid var(--line);
}
footer li{list-style:none;margin-bottom:12px;font-size:13.5px}
footer li a{color:var(--muted)}
footer li a:hover{color:var(--gold-dk)}
.f-bottom{
  border-top:1px solid var(--line);padding:26px 0 34px;
  display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:12.5px;color:var(--muted);
}
.disclaimer{background:var(--paper-2);padding:22px 0;font-size:12.3px;line-height:1.95;color:var(--muted)}

/* ── レスポンシブ ─────────────────────────── */
@media(max-width:1240px){
  .gnav{gap:18px}
  .gnav a{font-size:12.5px}
  .site-header .btn{padding:12px 18px;font-size:12.5px}
}
@media(max-width:1060px){
  .gnav{display:none}
  .f-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  .doc{padding:56px 0 72px}
  .f-grid{grid-template-columns:1fr}
  .utility{font-size:11px}
  .utility a{padding:0 11px}
  .site-header .wrap{height:74px}
  .doc table,.doc tbody,.doc tr,.doc th,.doc td{display:block;width:100%}
  .doc th{white-space:normal;border-bottom:none;padding-bottom:6px}
  .doc td{padding-top:6px}
}