@font-face{font-family:Lato;src:url('/ja-assets/Lato-Regular.ttf') format('truetype');font-weight:400;font-display:swap}@font-face{font-family:Lato;src:url('/ja-assets/Lato-Bold.ttf') format('truetype');font-weight:700;font-display:swap}:root{--orange:#ff6600;--ink:#000000;--paper:#fff;--soft:#faefdf;--muted:#615e59;--line:#dcd8d0}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:90px}body{margin:0;font-family:Lato,Arial,sans-serif;background:var(--paper);color:var(--ink);line-height:1.6}a{color:inherit}button,input{font:inherit}button,a{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid var(--orange);outline-offset:5px}.skip{position:absolute;top:-80px;background:white;padding:12px;z-index:10}.skip:focus{top:0}.wrap{max-width:1200px;margin:auto;padding:0 42px}header{position:sticky;top:0;background:#fffffff5;backdrop-filter:blur(12px);z-index:5;border-bottom:1px solid 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[hidden]{display:none!important}

.brand-logo{display:block;width:245px;height:auto;max-width:100%;object-fit:contain}.portrait-panel{position:relative;margin:0;border-radius:4px;overflow:hidden;background:#d3d3d3;align-self:stretch;min-height:500px}.portrait-panel>img{display:block;width:100%;height:100%;position:absolute;inset:0;object-fit:cover;object-position:center 30%}.portrait-panel figcaption{position:absolute;bottom:0;left:0;right:0;padding:45px 28px 25px;background:linear-gradient(transparent,rgba(0,0,0,.85));color:white}.portrait-panel figcaption strong{display:block;font-size:26px}.portrait-panel figcaption span{font-size:12px}.coach-avatar{width:80px;height:80px;border-radius:50%;object-fit:cover;object-position:50% 25%}.availability .btn{margin-top:22px;color:#000}.availability .btn span{color:#000}@media(max-width:850px){.brand-logo{width:210px}.portrait-panel{min-height:560px;max-width:540px;width:100%;margin:auto}}@media(max-width:580px){.brand-logo{width:155px}.portrait-panel{min-height:440px}.links{gap:12px}.links a{font-size:12px}}
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/* Hero photos supplied by JA. Preserve the full images across screen sizes. */
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@media(max-width:580px){.photo-pair{gap:15px;grid-template-columns:1fr}.photo-pair .memory-photo{max-width:430px;margin:auto}.memory-photo{margin:26px auto}.memory-photo figcaption{padding:14px 17px}.comparison-grid{grid-template-columns:1fr}.comparison-card+.comparison-card{border-left:0;border-top:1px solid #dcd8d0}.comparison-card{padding:23px}.comparison-card .visual-icon{width:44px;height:44px}.money-visual figcaption{font-size:22px;padding:22px}.property-visual{padding:22px}.flow-label{font-size:12px}.flow-result{align-items:flex-start;flex-direction:column;gap:10px}.flow-result b{font-size:31px}.ice-panel{padding:22px 18px}.jar-grid{gap:18px;grid-template-columns:1fr}.jar-card{display:grid;grid-template-columns:110px 1fr;gap:0 17px;align-items:center}.jar-graphic{grid-row:1/3;min-height:145px;margin:10px 0 10px}.jar-card .jar-amount{align-self:end;font-size:24px}.jar-card .jar-description{align-self:start}.jar-graphic span{font-size:12px}.jar-graphic b{font-size:35px}.diagnosis-row{grid-template-columns:1fr;gap:8px}.ice-diagnosis{padding:4px 20px}.method-source{padding:18px 20px}}
@media print{.memory-photo,.money-visual,.ice-panel{break-inside:avoid}.memory-photo{max-width:320px}.photo-pair .memory-photo{max-width:230px}}

.draft{background:#000;color:#fff;text-align:center;padding:7px 20px;font-size:11px;letter-spacing:.08em}.draft span{color:#ff9046}.nav .brand-logo{width:155px}.personal-brand{display:flex;align-items:center;gap:20px}.personal-name{border-left:1px solid var(--line);padding-left:20px;font-size:20px;letter-spacing:-.04em;font-weight:700}.links .nav-cta{background:var(--orange);padding:9px 15px;border-radius:3px;font-weight:700}.breadcrumb{font-size:12px;color:var(--muted);padding-top:26px}.breadcrumb a{text-decoration:none}.breadcrumb span{padding:0 8px;color:#aeaaa3}.hero h1{font-size:clamp(44px,5.1vw,68px)}.story-hero{padding-top:38px}.story-hero .hero-grid{grid-template-columns:1.28fr .8fr;gap:70px}.story-hero .hero-photo{max-width:360px;justify-self:end}.kicker{font-size:13px;color:var(--muted);margin-bottom:24px}.kicker strong{color:black}.prose{font-size:18px;line-height:1.8;max-width:710px}.prose p{margin:0 0 23px;color:#45423e}.prose h2{margin:52px 0 22px;font-size:36px}.prose h3{margin:30px 0 14px;font-size:25px}.prose ul,.prose ol{padding-left:24px;color:#45423e}.prose li{margin:11px 0}.prose a{color:#9c3e00;text-underline-offset:3px}.story-layout{display:grid;grid-template-columns:240px minmax(0,1fr);gap:80px;align-items:start}.side-note{border-top:3px solid var(--orange);padding-top:18px;font-size:14px;color:var(--muted)}.side-note strong{display:block;color:black;font-size:18px;margin-bottom:10px}.side-note a{display:block;margin:13px 0;text-decoration:none;font-size:13px}.story-chapter{padding-bottom:28px;margin-bottom:28px;border-bottom:1px solid var(--line)}.chapter-no{font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#9c3e00}.story-chapter h2{margin-top:15px}.pullquote{font-size:27px;font-weight:700;line-height:1.45;border-left:3px solid var(--orange);padding-left:26px;margin:35px 0;color:black}.number-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:30px 0}.number-box{background:var(--soft);padding:24px;border-top:2px solid var(--orange)}.number-box b{font-size:35px;letter-spacing:-.04em;display:block;color:black;line-height:1.2}.number-box span{font-size:13px;line-height:1.5;display:block;margin-top:12px}.number-caption{font-size:13px!important;color:var(--muted)!important}.story-end{background:var(--soft);padding:30px;margin-top:30px}.story-end h3{margin-top:0}.story-end p:last-child{margin-bottom:0}.article-hero{padding-top:36px;padding-bottom:54px}.article-hero h1{max-width:870px}.article-deck{max-width:730px}.byline{display:flex;gap:15px;align-items:center;margin-top:30px;font-size:13px}.byline img{width:48px;height:48px;border-radius:50%;object-fit:cover;object-position:50% 25%}.byline p{margin:0}.byline a{font-weight:700;text-underline-offset:3px}.byline small{display:block;color:var(--muted);font-size:11px}.article-layout{display:grid;grid-template-columns:minmax(0,740px) 260px;gap:76px;align-items:start}.answer{background:var(--soft);border-left:3px solid var(--orange);padding:27px 30px;margin-bottom:38px}.answer .chapter-no{display:block;margin-bottom:10px}.answer p{margin:0;color:black}.deficit{background:#000;color:white;padding:35px;margin:32px 0;border-radius:4px}.deficit .chapter-no{color:#ff9046}.deficit b{font-size:65px;line-height:1.2;letter-spacing:-.055em;display:block;margin:16px 0}.deficit p{color:#e1ddd7;font-size:16px;margin:0;max-width:520px}.deficit hr{border:0;border-top:1px solid #444;margin:22px 0}.deficit small{font-size:12px;color:#bbb}.formula{padding:22px 26px;border:1px solid var(--line);font-size:17px;font-weight:700;margin:28px 0}.toc{border-top:2px solid black;padding-top:20px}.toc strong{font-size:12px;text-transform:uppercase;letter-spacing:.1em}.toc a{display:block;font-size:14px;color:var(--muted);margin-top:17px;text-decoration:none}.toc .mini-cta{background:var(--soft);padding:23px;margin-top:32px}.mini-cta h3{font-size:21px}.mini-cta p{font-size:14px;color:var(--muted)}.mini-cta a{font-weight:700;color:#000}.author-card{display:flex;gap:24px;padding:30px;border:1px solid var(--line);margin-top:50px;align-items:center}.author-card img{width:82px;height:110px;object-fit:cover;border-radius:3px}.author-card h3{font-size:22px;margin:0 0 8px}.author-card p{font-size:14px;line-height:1.6;margin:0}.author-card a{font-size:13px}.sources{font-size:13px;line-height:1.7;color:var(--muted);margin-top:35px}.sources h3{font-size:19px}.cta h2{max-width:640px}.cta .lead{color:#ccc}.cta .actions{margin-top:25px}.foot-logo{width:125px;height:auto;display:block;margin-bottom:18px}.back-top{font-size:13px;text-decoration:none}.prose details{font-size:17px}.prose details p{font-size:16px;margin:14px 0 0}.bridge-grid{display:grid;grid-template-columns:1fr 1fr;gap:55px}.bridge-grid p{color:var(--muted)}.reading-link{display:block;padding:30px;background:white;border:1px solid var(--line);text-decoration:none}.reading-link .tag{color:#9c3e00}.reading-link h3{margin:16px 0}.reading-link p{font-size:15px;color:var(--muted)}
@media(max-width:1000px){.story-layout{gap:40px;grid-template-columns:190px minmax(0,1fr)}.article-layout{gap:35px;grid-template-columns:minmax(0,1fr) 220px}.links{gap:16px}.personal-name{display:none}}
@media(max-width:850px){.story-hero .hero-grid{grid-template-columns:1fr 280px;gap:30px}.story-hero h1{font-size:50px}.article-layout,.story-layout{grid-template-columns:1fr}.story-layout aside{display:none}.article-layout aside{grid-row:1}.toc{display:flex;flex-wrap:wrap;gap:10px 20px;padding-bottom:24px;border-bottom:1px solid var(--line)}.toc strong{width:100%}.toc a{margin:0;font-size:12px}.toc .mini-cta{display:none}.article-layout{gap:25px}.prose{max-width:none}.bridge-grid{gap:30px}.nav{flex-wrap:wrap;gap:8px;padding-top:14px;padding-bottom:14px}.links .nav-cta{padding:7px 12px}}
@media(max-width:580px){.draft{font-size:10px}.article-hero h1 br:last-child{display:none}.story-hero .hero-grid{grid-template-columns:1fr}.story-hero .hero-photo{max-width:360px;justify-self:center}.story-hero h1{font-size:40px}.hero{padding-top:30px}.nav .brand-logo{width:130px}.links{gap:14px}.links a{font-size:11px}.links .nav-cta{display:none}.breadcrumb{font-size:11px;padding-top:20px}.prose{font-size:17px}.prose h2{font-size:30px}.number-box{padding:18px}.number-box b{font-size:29px}.pullquote{font-size:24px;padding-left:20px}.bridge-grid{grid-template-columns:1fr;gap:24px}.article-hero h1{font-size:43px}.answer{padding:23px}.deficit{padding:27px}.deficit b{font-size:58px}.author-card{padding:22px;gap:18px;align-items:flex-start}.author-card img{width:60px;height:82px}.story-end{padding:23px}.foot-links{flex-wrap:wrap}.foot-row p{max-width:none}}
@media print{header,.draft,.actions,.toc,.cta,.side-note{display:none}.wrap{padding:0}.story-layout,.article-layout,.hero-grid{display:block}.hero-photo{max-width:200px!important}.prose{max-width:none}h2,h3{break-after:avoid}a{color:inherit!important}.block{padding:25px 0!important}}

.personal-name{text-decoration:none}.links{flex-wrap:wrap;justify-content:flex-end;gap:20px}.resource-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.resource-card{display:flex;flex-direction:column;padding:29px;border:1px solid var(--line);background:white;border-radius:4px;min-width:0}.resource-card h3{font-size:24px;margin:18px 0 14px}.resource-card p{font-size:15px;line-height:1.75;color:var(--muted);margin:0 0 20px}.resource-card .text-link{margin-top:auto;font-size:14px}.resource-card .text-link+.text-link{margin-top:0}.resource-tag{font-size:10px;text-transform:uppercase;letter-spacing:.12em;color:#9c3e00;font-weight:700}.resource-feature{border-top:3px solid var(--orange);background:var(--soft)}.resource-jumps{background:var(--soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.resource-jumps .wrap{display:flex;flex-wrap:wrap;gap:15px 35px;padding-top:22px;padding-bottom:22px}.resource-jumps a{font-size:13px;text-decoration:none;font-weight:700}.archive-links{margin-top:35px;padding:22px;border:1px solid var(--line);border-radius:4px}.archive-links p{font-size:14px;color:var(--muted)}.resource-callout{background:var(--soft);padding:25px;margin-top:40px!important;font-size:16px!important}.foot-links{flex-wrap:wrap;row-gap:12px;max-width:500px}
@media(max-width:1000px){.resource-grid{grid-template-columns:1fr 1fr}.links{gap:16px}.nav{gap:15px}}
@media(max-width:700px){.resource-grid{grid-template-columns:1fr}.resource-card{padding:25px}.resource-jumps .wrap{gap:14px 22px}.links{width:100%;justify-content:flex-start;gap:12px 18px}.nav{padding-top:14px;padding-bottom:14px}.hero-art .art-footer{flex-direction:column;gap:8px}.foot-links{max-width:none}}

/* Money Insights */
[hidden]{display:none!important}.insights-hero h1{font-size:clamp(42px,5vw,68px)}.insights-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.insight-card{border-top:3px solid var(--orange);padding:34px}.insight-card h3{font-size:29px;margin-top:14px}.insight-card h3 a{text-decoration:none}.insight-card h3 a:hover{text-decoration:underline;text-decoration-color:var(--orange)}.insight-label{font-size:13px!important;font-weight:700;margin:14px 0 0!important;color:var(--ink)!important}.article-meta{font-size:12px!important;margin-top:auto!important}.article-search label{display:block;font-size:13px;font-weight:700;margin-bottom:8px}.article-search input{width:100%;padding:13px 15px;border:1px solid var(--line);border-radius:3px;background:white;color:black}.article-search p{font-size:12px;margin-top:8px}.guide-kit{padding:25px;background:var(--soft);border-left:3px solid var(--orange);margin:28px 0}.guide-kit h3{font-size:21px}.guide-kit p{margin:0!important}.guide-steps{padding-left:24px}.guide-steps li{padding-left:8px;margin-bottom:18px}.flow-visual{display:grid;grid-template-columns:1fr auto 1fr auto 1fr;gap:13px;padding:25px 20px;background:var(--ink);color:white;border-radius:4px;margin:30px 0}.flow-visual div{display:flex;flex-direction:column}.flow-visual span{color:var(--orange);font-size:28px;font-weight:700}.flow-visual strong{font-size:15px}.flow-visual small{font-size:12px;color:#ccc}.flow-visual b{align-self:center;color:var(--orange)}.article-sources{border-top:1px solid var(--line);margin-top:45px;padding-top:25px}.article-sources p{font-size:13px!important}.prose a{overflow-wrap:anywhere}.toc a{display:block}.toc .aside-cta a{display:inline}.article-hero h1{font-size:clamp(40px,5.2vw,70px)}@media(max-width:700px){.insights-grid{grid-template-columns:1fr}.insight-card{padding:26px}.insight-card h3{font-size:26px}.flow-visual{grid-template-columns:1fr;padding:25px}.flow-visual b{transform:rotate(90deg);justify-self:start}.flow-visual div{padding:4px 0}.article-hero h1{font-size:40px}.insights-hero h1{font-size:43px}}

.guide-screen{margin:30px 0}.guide-screen img{width:100%;height:auto;border:1px solid var(--line)}.guide-screen figcaption{font-size:12px;color:var(--muted);line-height:1.6;margin-top:10px}

/* Testimonials */
.feedback-controls{display:grid;grid-template-columns:1fr 1.4fr;gap:24px;margin:28px 0 16px}.feedback-controls label{font-size:13px;font-weight:700;display:block;margin-bottom:8px}.feedback-controls input,.feedback-controls select{font:inherit;width:100%;padding:13px 15px;border:1px solid var(--line);border-radius:3px;background:white;min-width:0;color:var(--ink)}.feedback-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}.feedback-card{min-width:0;padding:30px;background:white;border:1px solid var(--line);border-top:3px solid var(--orange);display:flex;flex-direction:column}.feedback-card h3{font-size:20px;margin:15px 0 20px}.feedback-card blockquote{margin:0 0 25px;font-size:17px;line-height:1.8;white-space:pre-line;overflow-wrap:anywhere}.feedback-card blockquote p{margin:0}.feedback-credit{border-top:1px solid var(--line);padding-top:18px;margin-top:auto;display:flex;flex-direction:column;gap:5px;font-size:12px}.feedback-credit time{color:var(--muted)}.feedback-risk,.feedback-status{font-size:12px;color:var(--muted)}.feedback-more{display:flex;justify-content:center;margin-top:30px}.homepage-feedback{padding:32px;border:1px solid var(--line);background:var(--soft)}.homepage-feedback blockquote{margin:0 0 25px;max-width:850px;font-size:23px;line-height:1.6}.homepage-feedback blockquote p{white-space:pre-line}.homepage-feedback small{font-size:12px;color:var(--muted)}.links{gap:16px}.links a{font-size:13px}@media(max-width:900px){.nav{flex-wrap:wrap;padding-top:16px;padding-bottom:16px}.links{width:100%;justify-content:flex-start}}@media(max-width:700px){.feedback-grid,.feedback-controls{grid-template-columns:1fr}.feedback-card{padding:25px}.feedback-card blockquote{font-size:16px}.homepage-feedback{padding:25px}.homepage-feedback blockquote{font-size:20px}.links{gap:12px 17px}}

@media(max-width:900px){html{scroll-padding-top:175px}}