/* ===== リセット・基本 ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Noto Sans JP', 'Hiragino Kaku Gothic ProN', Meiryo, sans-serif;
  color: #1a1f3a; background: #f5f6fb; line-height: 1.8;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4, .logo { font-family: 'Zen Kaku Gothic New', 'Noto Sans JP', sans-serif; }
a { text-decoration: none; color: inherit; }
img, svg { max-width: 100%; }

.container { max-width: 1120px; margin: 0 auto; padding: 0 20px; }

/* ===== ヘッダー ===== */
.site-header {
  background: rgba(255,255,255,.85); backdrop-filter: blur(12px);
  border-bottom: 1px solid #e6e8f5; position: sticky; top: 0; z-index: 100;
  box-shadow: 0 2px 20px rgba(40,53,147,.05);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 66px; }
.logo { font-size: 1.35rem; font-weight: 900; color: #283593; letter-spacing: -0.5px; }
.global-nav { display: flex; gap: 30px; }
.global-nav a { font-size: 0.9rem; font-weight: 700; color: #4a4f6a; transition: color .2s; position: relative; }
.global-nav a::after { content: ''; position: absolute; left: 0; bottom: -6px; width: 0; height: 2px; background: #ff6f00; transition: width .25s; }
.global-nav a:hover { color: #283593; }
.global-nav a:hover::after { width: 100%; }

/* ===== ヒーロー ===== */
.hero { position: relative; overflow: hidden; background: linear-gradient(135deg, #1a1f3a 0%, #283593 55%, #3949ab 100%); color: #fff; padding: 70px 0 90px; }
.hero-bg { position: absolute; inset: 0; pointer-events: none; }
.hero-bg::before, .hero-bg::after {
  content: ''; position: absolute; border-radius: 50%; filter: blur(70px); opacity: .5;
}
.hero-bg::before { width: 380px; height: 380px; background: #5c6bc0; top: -120px; right: -80px; animation: float1 9s ease-in-out infinite; }
.hero-bg::after { width: 320px; height: 320px; background: #ff6f00; bottom: -140px; left: -60px; opacity: .25; animation: float2 11s ease-in-out infinite; }
@keyframes float1 { 0%,100%{ transform: translate(0,0); } 50%{ transform: translate(-30px,25px);} }
@keyframes float2 { 0%,100%{ transform: translate(0,0); } 50%{ transform: translate(25px,-20px);} }

.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.05fr .95fr; gap: 30px; align-items: center; }
.hero-label { display: inline-block; background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.3); border-radius: 30px; padding: 6px 18px; font-size: 0.85rem; font-weight: 700; margin-bottom: 22px; backdrop-filter: blur(4px); }
.hero h1 { font-size: 2.9rem; font-weight: 900; line-height: 1.3; margin-bottom: 20px; letter-spacing: -.5px; }
.hero h1 .hl { background: linear-gradient(120deg, #ffd54f, #ff8a3d); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero-sub { font-size: 1.05rem; opacity: .92; margin-bottom: 32px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 28px; }
.hero-trust { display: flex; gap: 20px; flex-wrap: wrap; font-size: 0.82rem; opacity: .85; }

.hero-visual { display: flex; justify-content: center; align-items: center; }
.hero-svg { width: 100%; max-width: 440px; filter: drop-shadow(0 30px 50px rgba(0,0,0,.35)); animation: heroFloat 6s ease-in-out infinite; }
@keyframes heroFloat { 0%,100%{ transform: translateY(0) rotate(0); } 50%{ transform: translateY(-14px) rotate(-1deg);} }

/* ボタン共通 */
.btn-primary, .btn-ghost, .btn-apply, .btn-detail, .table-btn { font-family: 'Zen Kaku Gothic New', sans-serif; }
.btn-primary { display: inline-block; background: linear-gradient(135deg, #ff8a3d, #f4511e); color: #fff; font-size: 1.05rem; font-weight: 700; padding: 15px 38px; border-radius: 50px; box-shadow: 0 8px 24px rgba(244,81,30,.45); transition: transform .2s, box-shadow .2s; }
.btn-primary:hover { transform: translateY(-3px); box-shadow: 0 12px 32px rgba(244,81,30,.55); }
.btn-ghost { display: inline-block; border: 2px solid rgba(255,255,255,.6); color: #fff; font-size: 1rem; font-weight: 700; padding: 13px 30px; border-radius: 50px; transition: background .2s, border-color .2s; }
.btn-ghost:hover { background: rgba(255,255,255,.15); border-color: #fff; }

/* ===== セクション共通 ===== */
.section-title { text-align: center; font-size: 1.9rem; font-weight: 900; margin-bottom: 12px; letter-spacing: -.5px; }
.section-title::after { content: ''; display: block; width: 56px; height: 4px; background: linear-gradient(90deg, #283593, #ff6f00); border-radius: 2px; margin: 14px auto 0; }
.section-sub { text-align: center; color: #6b7088; margin-bottom: 44px; font-size: 0.95rem; }

/* ===== ポイント ===== */
.points-section { padding: 80px 0; background: #fff; }
.points-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.point-card { background: #fff; border: 1px solid #ebedf7; border-radius: 20px; padding: 36px 26px; text-align: center; transition: transform .25s, box-shadow .25s, border-color .25s; }
.point-card:hover { transform: translateY(-6px); box-shadow: 0 18px 40px rgba(40,53,147,.12); border-color: #c5cae9; }
.point-icon { width: 76px; height: 76px; margin: 0 auto 18px; display: flex; align-items: center; justify-content: center; font-size: 2.2rem; border-radius: 22px; background: linear-gradient(135deg, #e8eaf6, #f3e5f5); box-shadow: inset 0 2px 6px rgba(255,255,255,.8), 0 6px 16px rgba(40,53,147,.1); }
.point-card h3 { font-size: 1.15rem; font-weight: 700; margin-bottom: 10px; }
.point-card p { font-size: 0.9rem; color: #5a6080; }

/* ===== ランキング ===== */
.ranking-section { padding: 84px 0; background: linear-gradient(180deg, #f5f6fb, #eef0fa); }
.card-item { background: #fff; border-radius: 22px; padding: 30px; margin-bottom: 26px; box-shadow: 0 6px 28px rgba(40,53,147,.08); border: 1px solid #ebedf7; position: relative; transition: transform .25s, box-shadow .25s; }
.card-item:hover { transform: translateY(-4px); box-shadow: 0 16px 44px rgba(40,53,147,.16); }
.rank-1 { border: 2px solid transparent; background:
  linear-gradient(#fff,#fff) padding-box,
  linear-gradient(135deg, #ffd54f, #ff8a3d) border-box; }
.rank-2 { border-top: 4px solid #b0bec5; }
.rank-3 { border-top: 4px solid #cd7f32; }

.rank-badge { position: absolute; top: -18px; left: 26px; width: 52px; height: 52px; border-radius: 16px; display: flex; align-items: center; justify-content: center; font-family: 'Zen Kaku Gothic New', sans-serif; font-weight: 900; font-size: 1rem; color: #fff; box-shadow: 0 6px 16px rgba(0,0,0,.2); transform: rotate(-6deg); }
.rank-1 .rank-badge { background: linear-gradient(135deg, #ffd54f, #ff8f00); }
.rank-2 .rank-badge { background: linear-gradient(135deg, #cfd8dc, #90a4ae); }
.rank-3 .rank-badge { background: linear-gradient(135deg, #d7a06a, #a0522d); }
.rank-4 .rank-badge, .rank-5 .rank-badge, .rank-x .rank-badge { background: linear-gradient(135deg, #5c6bc0, #283593); }

.card-header-row { display: flex; gap: 22px; align-items: center; margin-bottom: 20px; }
.card-logo-area { flex-shrink: 0; }

/* リアルなクレジットカード風ビジュアル */
.card-logo-placeholder {
  position: relative; width: 140px; height: 88px; border-radius: 12px; overflow: hidden;
  display: flex; align-items: flex-end; padding: 10px 12px;
  font-family: 'Zen Kaku Gothic New', sans-serif; font-weight: 700; font-size: 0.82rem;
  color: #fff; text-shadow: 0 1px 3px rgba(0,0,0,.35); line-height: 1.25;
  box-shadow: 0 6px 16px rgba(0,0,0,.22);
}
.card-logo-placeholder::before { /* ICチップ */
  content: ''; position: absolute; top: 12px; left: 12px; width: 26px; height: 20px;
  border-radius: 4px; background: linear-gradient(135deg, #ffe082, #ffb300);
  box-shadow: inset 0 0 0 1px rgba(180,134,11,.5);
}
.card-logo-placeholder::after { /* 光沢 */
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(115deg, rgba(255,255,255,.35) 0%, rgba(255,255,255,0) 45%);
}
.card-logo-placeholder.gold   { background: linear-gradient(135deg, #c62828, #ef5350); }
.card-logo-placeholder.silver { background: linear-gradient(135deg, #ad1457, #ec407a); }
.card-logo-placeholder.bronze { background: linear-gradient(135deg, #1565c0, #42a5f5); }
.card-logo-placeholder.gray   { background: linear-gradient(135deg, #e65100, #ff9800); }
.card-logo-placeholder.green  { background: linear-gradient(135deg, #b71c1c, #e53935); }
.card-logo-placeholder.teal   { background: linear-gradient(135deg, #00897b, #4db6ac); }
.card-logo-placeholder.amber  { background: linear-gradient(135deg, #b8860b, #ffd700); color: #5a4500; text-shadow: 0 1px 2px rgba(255,255,255,.3); }
.card-logo-placeholder.platinum { background: linear-gradient(135deg, #2c3038, #6b7280); }
.card-logo-placeholder.big { width: 168px; height: 105px; font-size: 0.95rem; }

.card-title-area h3 { font-size: 1.4rem; font-weight: 900; margin-bottom: 4px; }
.stars { color: #ffb300; font-size: 1.05rem; letter-spacing: 2px; margin-bottom: 8px; }
.card-catch { font-size: 0.92rem; color: #4a4f6a; }

.card-specs { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; background: linear-gradient(135deg, #f3f4fb, #eceefb); border-radius: 14px; padding: 18px; margin-bottom: 18px; }
.spec { text-align: center; }
.spec-label { display: block; font-size: 0.72rem; color: #8a90a8; margin-bottom: 5px; }
.spec-value { font-size: 0.92rem; font-weight: 700; }
.spec-value.highlight { color: #e53935; font-size: 1.05rem; }

.card-merits { margin-bottom: 22px; }
.merit { font-size: 0.92rem; color: #3a3f5a; padding: 5px 0; }

.card-actions { display: flex; gap: 12px; align-items: center; }
.btn-apply { position: relative; overflow: hidden; display: inline-block; background: linear-gradient(135deg, #ff8a3d, #f4511e); color: #fff; font-size: 1rem; font-weight: 700; padding: 14px 34px; border-radius: 50px; box-shadow: 0 6px 18px rgba(244,81,30,.4); transition: transform .2s, box-shadow .2s; }
.btn-apply::after { content: ''; position: absolute; top: 0; left: -120%; width: 60%; height: 100%; background: linear-gradient(120deg, transparent, rgba(255,255,255,.5), transparent); transform: skewX(-20deg); transition: left .6s; }
.btn-apply:hover { transform: translateY(-2px); box-shadow: 0 10px 26px rgba(244,81,30,.55); }
.btn-apply:hover::after { left: 130%; }
.btn-detail { display: inline-block; border: 2px solid #c5cae9; color: #283593; font-size: 0.9rem; font-weight: 700; padding: 12px 24px; border-radius: 50px; transition: background .2s, border-color .2s; }
.btn-detail:hover { background: #283593; color: #fff; border-color: #283593; }

/* ===== ランキング選定基準 ===== */
.criteria-section { padding: 80px 0; background: #fff; }
.criteria-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.criteria-item { position: relative; background: linear-gradient(135deg, #f5f6fb, #eef0fa); border-radius: 18px; padding: 28px 24px 24px; border: 1px solid #ebedf7; }
.criteria-num { display: inline-block; font-family: 'Zen Kaku Gothic New', sans-serif; font-weight: 900; font-size: 1.6rem; background: linear-gradient(120deg, #283593, #ff6f00); -webkit-background-clip: text; background-clip: text; color: transparent; margin-bottom: 6px; }
.criteria-item h3 { font-size: 1.08rem; font-weight: 700; margin-bottom: 8px; }
.criteria-item p { font-size: 0.88rem; color: #5a6080; }
.criteria-note { font-size: 0.8rem; color: #8a90a8; margin-top: 26px; text-align: center; line-height: 1.8; }

/* ===== 目的別 ===== */
.purpose-section { padding: 84px 0; background: #fff; }
.purpose-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.purpose-card { display: block; background: #fff; border: 1px solid #ebedf7; border-radius: 20px; padding: 32px 22px; text-align: center; transition: transform .25s, box-shadow .25s, border-color .25s; }
.purpose-card:hover { transform: translateY(-6px); box-shadow: 0 18px 40px rgba(40,53,147,.14); border-color: #c5cae9; }
.purpose-icon { width: 72px; height: 72px; margin: 0 auto 14px; display: flex; align-items: center; justify-content: center; font-size: 2.1rem; border-radius: 50%; background: linear-gradient(135deg, #e8eaf6, #fff3e0); box-shadow: 0 6px 16px rgba(40,53,147,.1); }
.purpose-card h3 { font-size: 1.05rem; font-weight: 700; margin-bottom: 8px; }
.purpose-card p { font-size: 0.85rem; color: #5a6080; }

/* ===== 比較表 ===== */
.comparison-section { padding: 84px 0; background: linear-gradient(180deg, #eef0fa, #f5f6fb); }
.table-wrapper { overflow-x: auto; border-radius: 18px; box-shadow: 0 8px 30px rgba(40,53,147,.1); }
.comparison-table { width: 100%; border-collapse: collapse; background: #fff; min-width: 720px; }
.comparison-table th { background: linear-gradient(135deg, #283593, #3949ab); color: #fff; padding: 16px 16px; font-size: 0.9rem; font-weight: 700; white-space: nowrap; }
.comparison-table td { padding: 15px 16px; font-size: 0.9rem; text-align: center; border-bottom: 1px solid #eceefb; vertical-align: middle; }
.comparison-table td a strong { color: #283593; }
.comparison-table tr:last-child td { border-bottom: none; }
.comparison-table .table-highlight { background: linear-gradient(90deg, #fffef5, #fff8e1); }
.comparison-table tbody tr:hover td { background: #f3f4fb; }
.table-btn { display: inline-block; background: linear-gradient(135deg, #ff8a3d, #f4511e); color: #fff; font-size: 0.8rem; font-weight: 700; padding: 7px 18px; border-radius: 20px; transition: transform .2s; }
.table-btn:hover { transform: scale(1.06); }

/* ===== ガイド ===== */
.guide-section { padding: 84px 0; background: #fff; }
.guide-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.guide-card { background: linear-gradient(135deg, #f5f6fb, #eef0fa); border-radius: 18px; padding: 28px; border-left: 5px solid #3949ab; transition: transform .2s; }
.guide-card:hover { transform: translateY(-3px); }
.guide-card h3 { font-size: 1.05rem; font-weight: 700; margin-bottom: 10px; }
.guide-card p { font-size: 0.9rem; color: #4a4f6a; }

/* ===== 免責 ===== */
.disclosure-section { padding: 26px 0; background: #fff3e0; }
.disclosure-box { border-left: 4px solid #ff6f00; padding: 12px 18px; }
.disclosure-box p { font-size: 0.82rem; color: #6d4c41; line-height: 1.8; }

/* ===== フッター ===== */
.site-footer { background: linear-gradient(135deg, #14182e, #1f2547); color: #b8bcd0; padding: 64px 0 26px; }
.footer-inner { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 44px; margin-bottom: 44px; }
.footer-brand .logo { color: #9fa8da; font-size: 1.3rem; display: block; margin-bottom: 14px; }
.footer-brand p { font-size: 0.85rem; color: #9095b0; }
.footer-links h4 { color: #fff; font-size: 0.9rem; font-weight: 700; margin-bottom: 16px; }
.footer-links a { display: block; font-size: 0.85rem; color: #9095b0; margin-bottom: 10px; transition: color .2s; }
.footer-links a:hover { color: #9fa8da; }
.footer-bottom { border-top: 1px solid #2c3252; padding-top: 22px; text-align: center; }
.footer-bottom p { font-size: 0.8rem; color: #6e7396; }

/* ===== 詳細・記事ページ ===== */
.container-narrow { max-width: 820px; }
.detail-page { padding: 44px 0 80px; background: #fff; min-height: 60vh; }
.breadcrumb { font-size: 0.82rem; color: #8a90a8; margin-bottom: 26px; }
.breadcrumb a { color: #3949ab; }
.breadcrumb a:hover { text-decoration: underline; }
.detail-hero { display: flex; gap: 26px; align-items: center; background: linear-gradient(135deg, #f5f6fb, #eef0fa); border-radius: 20px; padding: 30px; margin-bottom: 26px; }
.detail-hero h1 { font-size: 1.7rem; font-weight: 900; margin-bottom: 6px; }
.detail-hero .stars { font-size: 1.25rem; margin-bottom: 8px; }
.detail-hero p { font-size: 0.92rem; color: #4a4f6a; }
.detail-specs { grid-template-columns: repeat(4, 1fr); margin-bottom: 26px; }
.apply-cta { text-align: center; margin: 34px 0; display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }
.detail-page h2 { font-size: 1.35rem; font-weight: 700; margin: 38px 0 14px; padding-left: 14px; border-left: 5px solid #3949ab; }
.review-text { font-size: 0.96rem; color: #3a3f5a; margin-bottom: 12px; }
.merit-list, .demerit-list { list-style: none; margin: 12px 0; }
.merit-list li, .demerit-list li { font-size: 0.95rem; padding: 10px 0; border-bottom: 1px dashed #e0e3f0; }
.article-title { font-size: 1.8rem; font-weight: 900; line-height: 1.5; margin-bottom: 12px; }
.article-date { font-size: 0.85rem; color: #8a90a8; margin-bottom: 22px; }
.article-lead { font-size: 1rem; color: #3a3f5a; background: linear-gradient(135deg, #f5f6fb, #eef0fa); border-radius: 14px; padding: 22px; margin-bottom: 12px; }
.article-cta { background: linear-gradient(135deg, #283593, #3949ab); color: #fff; border-radius: 20px; padding: 36px; text-align: center; margin-top: 50px; }
.article-cta h3 { font-size: 1.25rem; font-weight: 700; margin-bottom: 10px; }
.article-cta p { font-size: 0.9rem; opacity: .9; margin-bottom: 22px; }
.article-list-section, .purpose-detail { padding: 54px 0 80px; background: #f5f6fb; min-height: 60vh; }
.article-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.article-card { display: block; background: #fff; border-radius: 18px; padding: 26px; box-shadow: 0 6px 22px rgba(40,53,147,.08); border: 1px solid #ebedf7; transition: transform .25s, box-shadow .25s; }
.article-card:hover { transform: translateY(-6px); box-shadow: 0 16px 40px rgba(40,53,147,.16); }
.article-tag { display: inline-block; background: #e8eaf6; color: #3949ab; font-size: 0.72rem; font-weight: 700; padding: 4px 14px; border-radius: 12px; margin-bottom: 12px; }
.article-card h3 { font-size: 1.08rem; font-weight: 700; line-height: 1.5; margin-bottom: 10px; }
.article-card p { font-size: 0.88rem; color: #5a6080; margin-bottom: 12px; }
.read-more { font-size: 0.85rem; font-weight: 700; color: #ff6f00; }

/* ===== レスポンシブ ===== */
@media (max-width: 860px) {
  .hero-grid { grid-template-columns: 1fr; text-align: center; }
  .hero-visual { order: -1; margin-bottom: 10px; }
  .hero-svg { max-width: 320px; }
  .hero h1 { font-size: 2.2rem; }
  .hero-actions, .hero-trust { justify-content: center; }
}
@media (max-width: 768px) {
  .points-grid { grid-template-columns: 1fr; }
  .criteria-grid { grid-template-columns: 1fr; }
  .purpose-grid { grid-template-columns: repeat(2, 1fr); }
  .guide-grid { grid-template-columns: 1fr; }
  .article-grid { grid-template-columns: 1fr; }
  .card-specs { grid-template-columns: repeat(2, 1fr); }
  .detail-hero { flex-direction: column; text-align: center; }
  .detail-specs { grid-template-columns: repeat(2, 1fr); }
  .card-header-row { flex-direction: column; text-align: center; }
  .footer-inner { grid-template-columns: 1fr; gap: 26px; }
  .global-nav { display: none; }
}
@media (max-width: 480px) {
  .hero h1 { font-size: 1.8rem; }
  .section-title { font-size: 1.5rem; }
  .purpose-grid { grid-template-columns: 1fr; }
  .card-actions { flex-direction: column; }
  .btn-apply, .btn-detail { width: 100%; text-align: center; }
}