*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, sans-serif;
  background: #f0f4f8;
  color: #1a202c;
  line-height: 1.6;
}

a { color: #2b6cb0; }

.container { max-width: 800px; margin: 0 auto; padding: 0 16px 40px; }

header {
  background: linear-gradient(135deg, #1a365d 0%, #2a4a7f 100%);
  color: white;
  padding: 32px 16px 28px;
  text-align: center;
}
header h1 { font-size: clamp(1.5rem, 5vw, 2.1rem); font-weight: 800; letter-spacing: -0.03em; margin-bottom: 8px; }
header p { font-size: 0.95rem; opacity: 0.82; max-width: 540px; margin: 0 auto; }

.site-nav { background: #1a365d; border-bottom: 1px solid rgba(255,255,255,0.1); }
.site-nav .nav-inner { max-width: 800px; margin: 0 auto; padding: 0 16px; display: flex; gap: 4px; overflow-x: auto; }
.site-nav a {
  color: rgba(255,255,255,0.72); text-decoration: none; font-size: 0.8rem; font-weight: 600;
  padding: 10px 12px; white-space: nowrap; border-bottom: 2px solid transparent; transition: color 0.15s, border-color 0.15s;
}
.site-nav a:hover { color: white; }
.site-nav a.active { color: white; border-bottom-color: #63b3ed; }

.ad-slot {
  background: #e2e8f0; border: 1px dashed #a0aec0; border-radius: 6px; color: #718096;
  font-size: 0.78rem; text-align: center; padding: 14px; margin: 16px 0;
}

.article { background: white; border: 1px solid #e2e8f0; border-radius: 12px; padding: 28px 28px; margin: 16px 0; box-shadow: 0 1px 4px rgba(0,0,0,0.06); }
.article h2 { font-size: 1.15rem; font-weight: 800; color: #1a365d; margin: 28px 0 10px; padding-top: 4px; }
.article h2:first-child { margin-top: 0; }
.article h3 { font-size: 0.95rem; font-weight: 700; color: #2d3748; margin: 20px 0 6px; }
.article p { font-size: 0.88rem; color: #4a5568; line-height: 1.75; margin-bottom: 12px; }
.article ul, .article ol { padding-left: 22px; margin-bottom: 12px; }
.article li { font-size: 0.88rem; color: #4a5568; line-height: 1.7; margin-bottom: 5px; }
.article strong { color: #2d3748; }

.divider { border: none; border-top: 1px solid #e2e8f0; margin: 28px 0; }

.callout { border-left: 4px solid #2b6cb0; background: #ebf8ff; border-radius: 0 8px 8px 0; padding: 14px 18px; margin: 16px 0; font-size: 0.875rem; color: #2c5282; }
.callout.warning { border-color: #ed8936; background: #fffaf0; color: #7b341e; }
.callout.danger { border-color: #fc8181; background: #fff5f5; color: #822727; }
.callout strong { display: block; margin-bottom: 4px; font-size: 0.9rem; }

.compare-table { width: 100%; border-collapse: collapse; margin: 16px 0; font-size: 0.83rem; }
.compare-table th { padding: 10px 14px; text-align: left; font-weight: 700; font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.04em; color: #718096; border-bottom: 2px solid #e2e8f0; }
.compare-table th:first-child { width: 34%; }
.compare-table td { padding: 10px 14px; border-bottom: 1px solid #f7fafc; color: #4a5568; vertical-align: top; }
.compare-table tr:last-child td { border-bottom: none; }
.compare-table .col-bad { background: #fff5f5; }
.compare-table .col-good { background: #f0fff4; }
.badge-bad { display: inline-block; background: #fed7d7; color: #c53030; border-radius: 4px; padding: 1px 7px; font-size: 0.72rem; font-weight: 700; }
.badge-good { display: inline-block; background: #c6f6d5; color: #276749; border-radius: 4px; padding: 1px 7px; font-size: 0.72rem; font-weight: 700; }

.scenario { background: #f7fafc; border: 1px solid #e2e8f0; border-radius: 8px; padding: 18px 20px; margin: 16px 0; }
.scenario .scenario-title { font-size: 0.78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; color: #718096; margin-bottom: 10px; }
.scenario-row { display: flex; justify-content: space-between; align-items: center; padding: 6px 0; border-bottom: 1px solid #e2e8f0; font-size: 0.85rem; }
.scenario-row:last-child { border-bottom: none; }
.scenario-row .label { color: #4a5568; }
.scenario-row .value { font-weight: 700; color: #2d3748; }
.scenario-row .value.red { color: #c53030; }
.scenario-row .value.green { color: #276749; }

.lender-grid, .guide-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 10px; margin: 14px 0; }
.lender-card, .guide-card { background: #f7fafc; border: 1px solid #e2e8f0; border-radius: 8px; padding: 14px 16px; }
.lender-card .lender-name { font-size: 0.88rem; font-weight: 700; color: #2d3748; margin-bottom: 4px; }
.lender-card .lender-detail { font-size: 0.78rem; color: #718096; }
.guide-card a { font-size: 0.9rem; font-weight: 700; color: #1a365d; text-decoration: none; }
.guide-card a:hover { color: #2b6cb0; }
.guide-card p { font-size: 0.78rem; color: #718096; margin-top: 4px; }

.cta-box { background: #1a365d; color: white; border-radius: 12px; padding: 24px; margin: 24px 0; text-align: center; }
.cta-box h2 { font-size: 1.1rem; font-weight: 700; margin-bottom: 8px; color: #fff; }
.cta-box p { font-size: 0.88rem; opacity: 0.82; margin-bottom: 16px; }
.cta-btn { display: inline-block; background: #63b3ed; color: #1a365d; font-weight: 700; font-size: 0.9rem; padding: 12px 24px; border-radius: 8px; text-decoration: none; }
.cta-btn:hover { background: #90cdf4; color: #1a365d; }

footer { background: #2d3748; color: #a0aec0; text-align: center; padding: 20px 16px; font-size: 0.78rem; margin-top: 8px; }
footer p + p { margin-top: 6px; }
footer a { color: #718096; }

@media (max-width: 520px) {
  header { padding: 24px 16px 20px; }
  .article { padding: 18px 16px; }
  .compare-table { font-size: 0.78rem; }
  .compare-table th, .compare-table td { padding: 8px 10px; }
}