/* EWF insurance / independent visual foundation / 2026-10-22 */
:root{--navy:#263d4d;--navy-deep:#1c2d3a;--navy-soft:#425968;--ink:#26323d;--muted:#687782;--silver:#8999a5;--silver-light:#e4ecef;--line:#dce2e4;--line-dark:#46505b;--ivory:#f8f7f3;--paper:#fff;--mist:#eef2f4;--teal:#386963;--red:#af4647;--max:1020px;--radius:13px;--shadow:0 18px 48px rgba(15,35,50,.08);font-family:-apple-system,BlinkMacSystemFont,"Hiragino Kaku Gothic ProN","Hiragino Sans","Yu Gothic","Meiryo",sans-serif;color:var(--ink);font-size:15px}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:100px}
body{margin:0;background:var(--paper);font-size:1rem;line-height:1.75;letter-spacing:.015em;-webkit-font-smoothing:antialiased}
a{color:#2a5870;text-underline-offset:.2em}
a:hover{color:#0b3959}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid var(--silver);outline-offset:3px}
button,input,textarea,select{font:inherit}
button{cursor:pointer}button:disabled{cursor:not-allowed}
img,svg,video{max-width:100%}img{height:auto;vertical-align:middle}
figure,blockquote{margin:0}
h1,h2,h3,h4{margin:0;line-height:1.38;letter-spacing:.02em}h1{font-size:clamp(1.6rem,2.5vw,2.5rem)}h2{font-size:clamp(1.25rem,2vw,1.8rem)}h3{font-size:1.2rem}p{margin:0 0 1em}ul,ol{padding-left:1.4em}hr{border:0;border-top:1px solid var(--line)}
.shell{width:min(calc(100% - 48px),var(--max));margin-inline:auto}
.preview-banner{background:#ebdbb0;color:#3f381e;text-align:center;padding:5px 12px;font-size:.72rem;line-height:1.5;font-weight:700;letter-spacing:.02em}
.eyebrow{display:block;color:#637581;font-size:.72rem;font-weight:800;letter-spacing:.16em;line-height:1.6;text-transform:uppercase;margin-bottom:11px}
.breadcrumb{display:flex;gap:10px;flex-wrap:wrap;align-items:center;font-size:.75rem;color:var(--muted);padding:14px 0 17px}
.breadcrumb a{color:var(--muted);text-decoration:none}
.breadcrumb a:hover{color:var(--navy)}
.content-shell{max-width:960px;padding-bottom:55px}
.page-heading{margin:8px 0 25px;padding-bottom:20px;border-bottom:1px solid var(--line)}
.page-heading h1{color:var(--navy);margin-bottom:13px}
.page-heading p{max-width:780px;color:var(--muted);font-size:1.02rem}
.section-header{display:flex;justify-content:space-between;align-items:end;gap:26px;margin-bottom:28px}
.section-header h2{color:var(--navy);margin-bottom:10px}
.section-header p{color:var(--muted);font-size:.96rem;margin:0}
.section-mini{font-size:1.45rem;color:var(--navy);margin-bottom:24px}
.quiet-link{display:inline-flex;gap:9px;align-items:center;min-height:44px;white-space:normal;color:var(--navy);font-weight:650;text-decoration:none;font-size:.86rem;border:1px solid #a9b6be;border-radius:5px;padding:8px 13px;background:#fff;transition:background-color .17s ease,transform .17s ease}.quiet-link:hover{background:#edf3f6;transform:translateY(-1px)}.quiet-link:active{transform:scale(.98)}
.quiet-link:hover{color:#263d4d}
.info-disclaimer{border:1px solid #d9e0e5;background:#f5f7f8;border-radius:9px;padding:19px 23px;margin-top:36px;font-size:.83rem;line-height:1.8;color:#53606a}
.info-disclaimer a{color:var(--navy);font-weight:700}
.secondary-row{display:flex;flex-wrap:wrap;align-items:center;gap:16px;margin-top:36px}
.btn{display:inline-flex;align-items:center;justify-content:space-between;gap:10px;min-height:44px;padding:10px 16px;border-radius:7px;text-decoration:none;font-size:.88rem;font-weight:650;line-height:1.4;border:1px solid var(--navy);transition:background .15s ease,color .15s ease,transform .15s ease}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--navy);color:#fff}.btn-primary:hover{background:#294963;color:#fff}
.btn-ghost{background:transparent;color:var(--navy)}.btn-ghost:hover{background:#f2f5f6;color:var(--navy)}
.heading-break{display:block;margin-top:8px;color:#677983;font-size:.61em;font-weight:500}
@media(max-width:760px){.shell{width:min(calc(100% - 32px),var(--max))}.breadcrumb{padding:17px 0 22px;gap:8px}.section-header{display:block}.section-header .quiet-link{margin-top:18px}.content-shell{padding-bottom:70px}.page-heading{margin:8px 0 24px;padding-bottom:23px}.page-heading h1{font-size:clamp(1.5rem,6vw,1.85rem)}.info-disclaimer{padding:15px;margin-top:25px}.secondary-row{align-items:stretch}.secondary-row .btn{width:100%}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation-duration:.001ms!important;transition-duration:.001ms!important}}