{
  "schema_version": "1.0",
  "products": [
    {
      "id": "sbi-brokerage",
      "provider_id": "sbi-securities",
      "provider_name": "株式会社SBI証券",
      "brand_id": "sbi-securities",
      "name": "SBI証券 証券総合口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://faq.sbisec.co.jp/answer/5ecb693a8504de0011d61dc1/",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "conditional",
          "value": "証券総合口座の閉鎖には書面の手続きが必要。残高・各取引状態の全条件は別途確認。",
          "source_ids": [
            "br-sbi-closure"
          ],
          "evidence": [
            {
              "source_id": "br-sbi-closure",
              "locator": "sources/brokerage/sbi-closure.txt:L10",
              "quote": "証券総合口座の閉鎖は、書類でのお手続きが必要です。"
            }
          ],
          "reason": null
        },
        "effective": {
          "state": "conditional",
          "value": {
            "scope": "国内株式売買手数料無料化の適用条件",
            "effective_from": null,
            "future_revision": "今後変更となる場合があり、別途WEBサイト等で案内"
          },
          "source_ids": [
            "br-sbi-fee"
          ],
          "evidence": [
            {
              "source_id": "br-sbi-fee",
              "locator": "sources/brokerage/sbi-fee.txt:L89",
              "quote": "数の無料化が適用となる諸条件については、今後変更となる場合がございます。変更した場合には、別途当社WEBサイト等にてお知らせいたします。"
            }
          ],
          "reason": null
        },
        "eligibility": {
          "state": "conditional",
          "value": "国内居住者に限定。外国籍は国内住所の本人確認・マイナンバー、在留書類等が必要。米国人等は一部商品制限あり。",
          "source_ids": [
            "br-sbi-nonresident",
            "br-sbi-eligibility"
          ],
          "evidence": [
            {
              "source_id": "br-sbi-nonresident",
              "locator": "sources/brokerage/sbi-nonresident.txt:L10",
              "quote": "当社における口座開設は、日本国内に在住のお客様に限定させていただいております。 具体的には、所得税法第2条、第3条第1項および第2項、所得税法施行令第13条、第14条、第15条に定める国内に住所を有する者（居住者）を基準としております。"
            },
            {
              "source_id": "br-sbi-eligibility",
              "locator": "sources/brokerage/sbi-eligibility.txt:L20",
              "quote": "日本国内在住の方で、日本国内の住所が記載されているご本人確認書類とマイナンバーを提出していただける場合には、外国籍のお客さまでも口座開設が可能です。"
            }
          ],
          "reason": null
        },
        "fees": {
          "state": "conditional",
          "value": "国内株式の売買手数料0円はインターネットコース・電子交付等が条件。信用金利・貸株料等は別。米ドル円リアルタイム為替手数料0円でも売買レート差はある。",
          "source_ids": [
            "br-sbi-fee"
          ],
          "evidence": [
            {
              "source_id": "br-sbi-fee",
              "locator": "sources/brokerage/sbi-fee.txt:L42",
              "quote": "・インターネットコースのインターネット取引"
            },
            {
              "source_id": "br-sbi-fee",
              "locator": "sources/brokerage/sbi-fee.txt:L50",
              "quote": "信用取引には別途金利・貸株料等がかかります。"
            },
            {
              "source_id": "br-sbi-fee",
              "locator": "sources/brokerage/sbi-fee.txt:L66",
              "quote": "市場における業者間レートを採用しており、アスク（買い値）とビッド（売り値）のスプレッド（価格差）が存在するため、買付レートと売却レートは同一にはなりません。"
            }
          ],
          "reason": null
        },
        "instruments": {
          "state": "conditional",
          "value": "国内現物株・信用取引、米国株式・海外ETF等。口座開設だけで全商品が利用可能とは限らない。",
          "source_ids": [
            "br-sbi-fee"
          ],
          "evidence": [
            {
              "source_id": "br-sbi-fee",
              "locator": "sources/brokerage/sbi-fee.txt:L41",
              "quote": "S株（単元未満株）を含む現物取引、信用取引が対象です！"
            }
          ],
          "reason": null
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "conditional",
          "value": "NISA取扱いあり。2024年以降のNISA枠で米国株式・海外ETFの売買無料。つみたて枠の銘柄条件はこの資料だけでは未完備。",
          "source_ids": [
            "br-sbi-fee"
          ],
          "evidence": [
            {
              "source_id": "br-sbi-fee",
              "locator": "sources/brokerage/sbi-fee.txt:L55",
              "quote": "2024年以降のNISA枠での米国株式・海外ETF（米国・中国・韓国・シンガポール）の"
            }
          ],
          "reason": null
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-sbi-eligibility"
          ],
          "evidence": [
            {
              "source_id": "br-sbi-eligibility",
              "locator": "sources/brokerage/sbi-eligibility.txt:L2",
              "quote": "学生や外国籍でもSBI証券の口座開設申込みはできますか"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "conditional",
          "value": "インターネットコースのネット取引で所定3種類の報告書等を電子交付。電話・対面・IFA等は無料の対象外。",
          "source_ids": [
            "br-sbi-fee"
          ],
          "evidence": [
            {
              "source_id": "br-sbi-fee",
              "locator": "sources/brokerage/sbi-fee.txt:L43",
              "quote": "・各種取引報告書、交付書面の電子交付"
            },
            {
              "source_id": "br-sbi-fee",
              "locator": "sources/brokerage/sbi-fee.txt:L86",
              "quote": "インターネットコース顧客の電話注文（立会外クロス取引含む）"
            }
          ],
          "reason": null
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "conditional",
          "value": "通常出金は16時前なら翌銀行営業日、16時以降なら翌々銀行営業日。リアルタイム出金はSBI新生銀行との契約等に制限。",
          "source_ids": [
            "br-sbi-payment"
          ],
          "evidence": [
            {
              "source_id": "br-sbi-payment",
              "locator": "sources/brokerage/sbi-payment.txt:L22",
              "quote": "毎営業日16:00前までに出金指示した場合、出金予定日は翌銀行営業日です。毎営業日16:00以降に出金指示した場合、出金予定日は翌々銀行営業日です。振込先金融機関により、振込時刻は異なります。出金予定日の正午以降にご確認ください。当日中の振込はできません。"
            },
            {
              "source_id": "br-sbi-payment",
              "locator": "sources/brokerage/sbi-payment.txt:L24",
              "quote": "タイムで口座に指示金額が振り込まれます。振込先金融機関口座がSBI新生銀行の口座の場合に利用できます。口座振替契約のお申し込みが必要です。"
            }
          ],
          "reason": null
        }
      },
      "source_ids": [
        "br-sbi-closure",
        "br-sbi-eligibility",
        "br-sbi-fee",
        "br-sbi-home",
        "br-sbi-nonresident",
        "br-sbi-payment"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [
        {
          "id": "domestic-stock-online",
          "state": "conditional",
          "subject": "国内現物株のネット売買手数料",
          "necessity": "required",
          "amount_yen": 0,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "1売買",
          "quantity": 1,
          "period": null,
          "tax": null,
          "conditions": "インターネットコース・所定電子交付条件。電話等対象外。",
          "source_ids": [
            "br-sbi-fee"
          ],
          "evidence": [
            {
              "source_id": "br-sbi-fee",
              "locator": "sources/brokerage/sbi-fee.txt:L39",
              "quote": "国内株式　売買手数料 0 円"
            },
            {
              "source_id": "br-sbi-fee",
              "locator": "sources/brokerage/sbi-fee.txt:L42",
              "quote": "・インターネットコースのインターネット取引"
            }
          ]
        },
        {
          "id": "custody",
          "state": "unknown",
          "subject": "保管関連費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "management",
          "state": "unknown",
          "subject": "保有商品運用管理費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "fx-other",
          "state": "unknown",
          "subject": "その他為替関連費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "transfer-other",
          "state": "unknown",
          "subject": "対象商品別の移管費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "closure-other",
          "state": "unknown",
          "subject": "解約時費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        }
      ],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "rakuten-brokerage",
      "provider_id": "rakuten-securities",
      "provider_name": "楽天証券株式会社",
      "brand_id": "rakuten-securities",
      "name": "楽天証券 総合取引口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.rakuten-sec.co.jp/smartphone/nisa/rule/",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [
        "楽天証券総合口座"
      ],
      "fields": {
        "closure": {
          "state": "conditional",
          "value": "総合口座解約には株式等のお預り残高・預り金を0にし、解約依頼書による手続き。配当入金待ち等は処理できない場合がある。",
          "source_ids": [
            "br-rakuten-closure"
          ],
          "evidence": [
            {
              "source_id": "br-rakuten-closure",
              "locator": "sources/brokerage/rakuten-closure.txt:L361",
              "quote": "総合口座を解約するには、株式等のお預り残高、預り金が0になっていることが必要です。"
            },
            {
              "source_id": "br-rakuten-closure",
              "locator": "sources/brokerage/rakuten-closure.txt:L398",
              "quote": "配当金が入金されるまで口座解約手続きをおこなうことができません。あらかじめご了承ください。"
            }
          ],
          "reason": null
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "conditional",
          "value": {
            "scope": "NISA口座",
            "residency": "日本居住",
            "other_account_requirements": null,
            "age_conditions": "口座開設年1月1日現在18歳以上"
          },
          "source_ids": [
            "br-rakuten-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-rakuten-nisa",
              "locator": "sources/brokerage/rakuten-nisa.txt:L241",
              "quote": "日本にお住まいの18歳以上の方（口座を開設する年の1月1日現在）"
            }
          ],
          "reason": null
        },
        "fees": {
          "state": "conditional",
          "value": "ゼロコースの国内株式取引は0円（SOR同意）。NISA売買は無料だが、かぶミニのリアルタイム・かぶピタッのスプレッドやファンドの信託財産留保額は別。",
          "source_ids": [
            "br-rakuten-fee",
            "br-rakuten-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-rakuten-fee",
              "locator": "sources/brokerage/rakuten-fee.txt:L310",
              "quote": "ゼロコースを設定するにはSOR（Rクロスを含む）の利用同意が必須となります。"
            },
            {
              "source_id": "br-rakuten-nisa",
              "locator": "sources/brokerage/rakuten-nisa.txt:L259",
              "quote": "かぶミニ®は手数料と別にリアルタイム取引のスプレッドがあります。寄付取引のスプレッドはかかりません。"
            },
            {
              "source_id": "br-rakuten-nisa",
              "locator": "sources/brokerage/rakuten-nisa.txt:L261",
              "quote": "投資信託はファンドによっては売却時に信託財産留保額がかかるものがあります。"
            }
          ],
          "reason": null
        },
        "instruments": {
          "state": "conditional",
          "value": "NISAで国内株式・ETF、米国株式、海外ETF、投資信託を取扱い。成長枠とつみたて枠の対象条件が異なる。",
          "source_ids": [
            "br-rakuten-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-rakuten-nisa",
              "locator": "sources/brokerage/rakuten-nisa.txt:L258",
              "quote": "NISA口座での国内株式・ETF（かぶミニ®、かぶピタッ®を含む）、米国株式、海外ETF、投資信託の売買にかかる手数料が無料です。"
            }
          ],
          "reason": null
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "conditional",
          "value": "つみたて投資枠と成長投資枠。非課税口座は1人1口座。一般・特定口座の保有資産をそのままNISAに入庫できない。",
          "source_ids": [
            "br-rakuten-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-rakuten-nisa",
              "locator": "sources/brokerage/rakuten-nisa.txt:L251",
              "quote": "NISA口座の開設は1人1口座に限られます。NISA口座の金融機関変更（他社で開設したNISA口座を、楽天証券へ乗り換える手続き）をご希望の場合は、申込後に書類の提出など所定のお手続きをお願いします。"
            },
            {
              "source_id": "br-rakuten-nisa",
              "locator": "sources/brokerage/rakuten-nisa.txt:L256",
              "quote": "一般口座および特定口座の上場株式等は、NISA口座に入庫できません。"
            }
          ],
          "reason": null
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-rakuten-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-rakuten-nisa",
              "locator": "sources/brokerage/rakuten-nisa.txt:L243",
              "quote": "楽天証券の総合取引口座をお持ちでない方"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "conditional",
          "value": "ゼロコースはSOR（Rクロス含む）の利用同意が必要。NISAでは注文時の手数料相当仮拘束、利用できないアルゴ注文等に注意。",
          "source_ids": [
            "br-rakuten-fee",
            "br-rakuten-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-rakuten-fee",
              "locator": "sources/brokerage/rakuten-fee.txt:L310",
              "quote": "ゼロコースを設定するにはSOR（Rクロスを含む）の利用同意が必須となります。"
            },
            {
              "source_id": "br-rakuten-nisa",
              "locator": "sources/brokerage/rakuten-nisa.txt:L262",
              "quote": "国内株式・ETF、米国株式、海外ETFは注文の時点で本来の手数料コースでかかる手数料分を含めた資金を仮拘束します。約定後のメンテナンス時に拘束を解除し、買付余力にお戻しします。"
            }
          ],
          "reason": null
        },
        "transfer": {
          "state": "conditional",
          "value": "株式・投資信託・債券の入庫と保護預り管理料は無料と案内。出庫には手数料がかかる場合がある。入出庫を同額と扱わない。",
          "source_ids": [
            "br-rakuten-transfer"
          ],
          "evidence": [
            {
              "source_id": "br-rakuten-transfer",
              "locator": "sources/brokerage/rakuten-transfer.txt:L321",
              "quote": "に移管することができます。楽天証券では、株式・投資信託・債券の入庫に関わる手数料および保護預り管理料も全て無料となっております。ぜひ、楽天証券に資金をおまとめください。"
            },
            {
              "source_id": "br-rakuten-transfer",
              "locator": "sources/brokerage/rakuten-transfer.txt:L323",
              "quote": "出庫の際には手数料がかかる場合があります。"
            }
          ],
          "reason": null
        },
        "withdrawal": {
          "state": "conditional",
          "value": "登録済み本人名義の金融機関口座に出金。通常出金の手数料は無料。方法ごとの時間・上限は別確認。",
          "source_ids": [
            "br-rakuten-payment"
          ],
          "evidence": [
            {
              "source_id": "br-rakuten-payment",
              "locator": "sources/brokerage/rakuten-payment.txt:L412",
              "quote": "座に、ご指定の金額をお振込みいたします。出金手数料は無料です。"
            },
            {
              "source_id": "br-rakuten-payment",
              "locator": "sources/brokerage/rakuten-payment.txt:L413",
              "quote": "出金は、ご本人様名義の口座にのみ可能です。"
            }
          ],
          "reason": null
        }
      },
      "source_ids": [
        "br-rakuten-closure",
        "br-rakuten-fee",
        "br-rakuten-home",
        "br-rakuten-nisa",
        "br-rakuten-open",
        "br-rakuten-open-flow",
        "br-rakuten-payment",
        "br-rakuten-transfer"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [
        {
          "id": "domestic-stock-zero",
          "state": "conditional",
          "subject": "国内株式ゼロコース売買手数料",
          "necessity": "required",
          "amount_yen": 0,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "1売買",
          "quantity": 1,
          "period": null,
          "tax": null,
          "conditions": "SOR（Rクロス含む）利用同意。電話取次・各商品固有コスト別。",
          "source_ids": [
            "br-rakuten-fee"
          ],
          "evidence": [
            {
              "source_id": "br-rakuten-fee",
              "locator": "sources/brokerage/rakuten-fee.txt:L329",
              "quote": "ゼロコースなら国内株式の取引手数料が完全無料！"
            },
            {
              "source_id": "br-rakuten-fee",
              "locator": "sources/brokerage/rakuten-fee.txt:L310",
              "quote": "ゼロコースを設定するにはSOR（Rクロスを含む）の利用同意が必須となります。"
            }
          ]
        },
        {
          "id": "yen-withdrawal",
          "state": "conditional",
          "subject": "円貨通常出金手数料",
          "necessity": "required",
          "amount_yen": 0,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "1出金",
          "quantity": 1,
          "period": null,
          "tax": null,
          "conditions": "登録本人名義金融機関口座への出金。",
          "source_ids": [
            "br-rakuten-payment"
          ],
          "evidence": [
            {
              "source_id": "br-rakuten-payment",
              "locator": "sources/brokerage/rakuten-payment.txt:L412",
              "quote": "座に、ご指定の金額をお振込みいたします。出金手数料は無料です。"
            }
          ]
        },
        {
          "id": "custody",
          "state": "unknown",
          "subject": "保管関連費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "management",
          "state": "unknown",
          "subject": "保有商品運用管理費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "fx-other",
          "state": "unknown",
          "subject": "その他為替関連費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "transfer-other",
          "state": "unknown",
          "subject": "対象商品別の移管費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "closure-other",
          "state": "unknown",
          "subject": "解約時費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        }
      ],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "monex-brokerage",
      "provider_id": "monex",
      "provider_name": "マネックス証券株式会社",
      "brand_id": "monex",
      "name": "マネックス証券 証券総合取引口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://info.monex.co.jp/account/flow.html",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "conditional",
          "value": {
            "scope": "NISA手数料ページ",
            "applies_to": "2024年以降のNISA",
            "other_contract_effective_dates": null,
            "future_revision": null
          },
          "source_ids": [
            "br-monex-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-monex-nisa",
              "locator": "sources/brokerage/monex-nisa.txt:L281",
              "quote": "2024年以降のNISAでの取引（成長投資枠・つみたて投資枠）における、手数料・費用等をご案内いたします。"
            }
          ],
          "reason": null
        },
        "eligibility": {
          "state": "conditional",
          "value": "日本国内非居住者は口座開設できない。海外転居時は閉鎖または取引制限が必要。オンライン開設は日本国籍成人等の条件があり、郵送開設と区別。",
          "source_ids": [
            "br-monex-eligibility",
            "br-monex-open"
          ],
          "evidence": [
            {
              "source_id": "br-monex-eligibility",
              "locator": "sources/brokerage/monex-eligibility.txt:L5",
              "quote": "日本国内に居住されていない方については、口座開設をしていただけません。"
            },
            {
              "source_id": "br-monex-open",
              "locator": "sources/brokerage/monex-open.txt:L304",
              "quote": "日本国籍の成人で日本に納税をされている方"
            }
          ],
          "reason": null
        },
        "fees": {
          "state": "conditional",
          "value": "NISA国内株売買手数料0円。米国株の国内手数料0円でも売却時の現地手数料は別。IFA（PB含む）は異なる。投信の信託報酬等は銘柄別。",
          "source_ids": [
            "br-monex-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-monex-nisa",
              "locator": "sources/brokerage/monex-nisa.txt:L283-L285",
              "quote": "NISA口座における国内株式売買手数料\n国内株式売買手数料\n0円"
            },
            {
              "source_id": "br-monex-nisa",
              "locator": "sources/brokerage/monex-nisa.txt:L289",
              "quote": "※売却時に別途現地手数料がかかります。"
            },
            {
              "source_id": "br-monex-nisa",
              "locator": "sources/brokerage/monex-nisa.txt:L293",
              "quote": "※IFAサービス（マネックスPBを含む）をお申込みのお客様は手数料体系が異なります。詳細はIFA担当者へお問合せください。"
            }
          ],
          "reason": null
        },
        "instruments": {
          "state": "conditional",
          "value": "NISAで国内株式（単元株・ワン株）、米国株、中国株、投資信託。商品別に対象銘柄・費用が異なる。",
          "source_ids": [
            "br-monex-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-monex-nisa",
              "locator": "sources/brokerage/monex-nisa.txt:L282",
              "quote": "国内株式（単元株、ワン株（単元未満株））"
            },
            {
              "source_id": "br-monex-nisa",
              "locator": "sources/brokerage/monex-nisa.txt:L19",
              "quote": "中国株"
            }
          ],
          "reason": null
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "conditional",
          "value": "2024年以降のつみたて投資枠・成長投資枠に対応。国内株式、米国株、中国株、投資信託の手数料条件を確認。",
          "source_ids": [
            "br-monex-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-monex-nisa",
              "locator": "sources/brokerage/monex-nisa.txt:L281",
              "quote": "2024年以降のNISAでの取引（成長投資枠・つみたて投資枠）における、手数料・費用等をご案内いたします。"
            },
            {
              "source_id": "br-monex-nisa",
              "locator": "sources/brokerage/monex-nisa.txt:L296",
              "quote": "中国株国内取引手数料"
            }
          ],
          "reason": null
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-monex-open"
          ],
          "evidence": [
            {
              "source_id": "br-monex-open",
              "locator": "sources/brokerage/monex-open.txt:L286",
              "quote": "証券総合取引口座のお申込画面で、同時にNISA口座の開設をお申込みいただけます。iDeCoは証券総合取引口座を開設せずともお申込みいただけます。"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "conditional",
          "value": "証券総合取引口座とiDeCo申込は別。IFAサービスを申し込む場合は手数料体系が異なる。",
          "source_ids": [
            "br-monex-open",
            "br-monex-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-monex-open",
              "locator": "sources/brokerage/monex-open.txt:L286",
              "quote": "ISA口座の開設をお申込みいただけます。iDeCoは証券総合取引口座を開設せずともお申込みいただけます。"
            },
            {
              "source_id": "br-monex-nisa",
              "locator": "sources/brokerage/monex-nisa.txt:L293",
              "quote": "※IFAサービス（マネックスPBを含む）をお申込みのお客様は手数料体系が異なります。詳細はIFA担当者へお問合せください。"
            }
          ],
          "reason": null
        },
        "transfer": {
          "state": "conditional",
          "value": "株式入庫は移管元に書面提出し、目安約1週間。銘柄・特定/一般口座条件に制約。出庫は株式0円、投信等は銘柄別に費用。",
          "source_ids": [
            "br-monex-transfer",
            "br-monex-other-fees"
          ],
          "evidence": [
            {
              "source_id": "br-monex-transfer",
              "locator": "sources/brokerage/monex-transfer.txt:L283",
              "quote": "ス証券への移管の場合、移管元の証券会社へ書類を提出してからおよそ1週間ほどで移管が完了します。"
            },
            {
              "source_id": "br-monex-other-fees",
              "locator": "sources/brokerage/monex-other-fees.txt:L308",
              "quote": "1銘柄につき、3,000円（税込:3,300円）"
            }
          ],
          "reason": null
        },
        "withdrawal": {
          "state": "conditional",
          "value": "通常出金と即時出金を区別。即時は1回330円（税込）が基本、SBI新生銀行またはイオン銀行等の指定条件で無料。時間帯・金額・回数上限がある。",
          "source_ids": [
            "br-monex-payment"
          ],
          "evidence": [
            {
              "source_id": "br-monex-payment",
              "locator": "sources/brokerage/monex-payment.txt:L303",
              "quote": "00万円まで、かつ3回まで利用できます。1回ごとに手数料330円（税込）がかかります。"
            },
            {
              "source_id": "br-monex-payment",
              "locator": "sources/brokerage/monex-payment.txt:L304",
              "quote": "出金先金融機関をSBI新生銀行口座またはイオン銀行口座に指定されていた場合は、手数料無料での即時出金サービスがご利用いただけます。"
            }
          ],
          "reason": null
        }
      },
      "source_ids": [
        "br-monex-eligibility",
        "br-monex-fee",
        "br-monex-home",
        "br-monex-nisa",
        "br-monex-nisa-rule",
        "br-monex-open",
        "br-monex-other-fees",
        "br-monex-payment",
        "br-monex-stock-fee",
        "br-monex-transfer"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [
        {
          "id": "nisa-domestic-stock",
          "state": "conditional",
          "subject": "NISA国内株売買手数料",
          "necessity": "required",
          "amount_yen": 0,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "1売買",
          "quantity": 1,
          "period": null,
          "tax": null,
          "conditions": "2024年以降NISA。IFA/PBの別体系を除く。",
          "source_ids": [
            "br-monex-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-monex-nisa",
              "locator": "sources/brokerage/monex-nisa.txt:L283-L285",
              "quote": "NISA口座における国内株式売買手数料\n国内株式売買手数料\n0円"
            },
            {
              "source_id": "br-monex-nisa",
              "locator": "sources/brokerage/monex-nisa.txt:L283",
              "quote": "NISA口座における国内株式売買手数料"
            }
          ]
        },
        {
          "id": "instant-withdrawal",
          "state": "conditional",
          "subject": "即時出金手数料",
          "necessity": "required",
          "amount_yen": 330,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "1出金",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "指定金融機関・カード等免除/還元条件を通常額から自動控除しない。税込。",
          "source_ids": [
            "br-monex-payment"
          ],
          "evidence": [
            {
              "source_id": "br-monex-payment",
              "locator": "sources/brokerage/monex-payment.txt:L303",
              "quote": "00万円まで、かつ3回まで利用できます。1回ごとに手数料330円（税込）がかかります。"
            }
          ]
        },
        {
          "id": "fund-transfer-out",
          "state": "conditional",
          "subject": "投資信託の出庫手数料",
          "necessity": "required",
          "amount_yen": 3300,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "1銘柄",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "ほふり経由の投信出庫。税込。",
          "source_ids": [
            "br-monex-other-fees"
          ],
          "evidence": [
            {
              "source_id": "br-monex-other-fees",
              "locator": "sources/brokerage/monex-other-fees.txt:L308",
              "quote": "1銘柄につき、3,000円（税込:3,300円）"
            }
          ]
        },
        {
          "id": "custody",
          "state": "unknown",
          "subject": "保管関連費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "management",
          "state": "unknown",
          "subject": "保有商品運用管理費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "fx-other",
          "state": "unknown",
          "subject": "その他為替関連費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "transfer-other",
          "state": "unknown",
          "subject": "対象商品別の移管費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "closure-other",
          "state": "unknown",
          "subject": "解約時費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        }
      ],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "matsui-brokerage",
      "provider_id": "matsui",
      "provider_name": "松井証券株式会社",
      "brand_id": "matsui",
      "name": "松井証券 総合口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.matsui.co.jp/apply/personal/",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "conditional",
          "value": "顧客サポートで受付。残高があると解約できない。特定・NISA・FX等の口座を開設したまま総合口座を解約できず、予約解約も不可。",
          "source_ids": [
            "br-matsui-personal"
          ],
          "evidence": [
            {
              "source_id": "br-matsui-personal",
              "locator": "sources/brokerage/matsui-personal.txt:L447",
              "quote": "総合口座の口座解約は、松井証券顧客サポートで受付けます。"
            },
            {
              "source_id": "br-matsui-personal",
              "locator": "sources/brokerage/matsui-personal.txt:L451",
              "quote": "口座に残高がある場合解約できません。解約手続きの前に、現金・株式の引出し、建玉の返済をお願いします。"
            },
            {
              "source_id": "br-matsui-personal",
              "locator": "sources/brokerage/matsui-personal.txt:L453",
              "quote": "特定口座、NISA口座(ジュニアNISA口座)およびFX口座を開設したまま、総合口座を解約できません。松井証券顧客サポートへご連絡いただき、それぞれの口座の解約後、総合口座の解約を行います。"
            }
          ],
          "reason": null
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "利用対象・国内居住条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "fees": {
          "state": "conditional",
          "value": "NISAの日本株・米国株・投資信託の売買手数料0円。投資信託の保有費用等は別途必要。電話注文への個別適用は未確認。全取引費用が0円とはしていない。",
          "source_ids": [
            "br-matsui-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-matsui-nisa",
              "locator": "sources/brokerage/matsui-nisa.txt:L329",
              "quote": "松井証券のNISAは、制度が続く限り、3商品(日本株、米国株、投資信託)の売買手数料が無料です。"
            }
          ],
          "reason": null
        },
        "instruments": {
          "state": "conditional",
          "value": "NISAで日本株・米国株・投資信託を取扱い。対象は商品・銘柄別に確認。",
          "source_ids": [
            "br-matsui-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-matsui-nisa",
              "locator": "sources/brokerage/matsui-nisa.txt:L329",
              "quote": "松井証券のNISAは、制度が続く限り、3商品(日本株、米国株、投資信託)の売買手数料が無料です。"
            }
          ],
          "reason": null
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "conditional",
          "value": "NISAで日本株・米国株・投資信託の売買手数料を無料と案内。投信のつみたて枠・成長枠は銘柄の法定要件がある。",
          "source_ids": [
            "br-matsui-nisa",
            "br-matsui-fund"
          ],
          "evidence": [
            {
              "source_id": "br-matsui-nisa",
              "locator": "sources/brokerage/matsui-nisa.txt:L329",
              "quote": "松井証券のNISAは、制度が続く限り、3商品(日本株、米国株、投資信託)の売買手数料が無料です。"
            },
            {
              "source_id": "br-matsui-fund",
              "locator": "sources/brokerage/matsui-fund.txt:L669",
              "quote": "つみたて投資枠および成長投資枠の対象銘柄は、NISA制度における一定の法定要件を満たした投資信託です。"
            }
          ],
          "reason": null
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-matsui-personal"
          ],
          "evidence": [
            {
              "source_id": "br-matsui-personal",
              "locator": "sources/brokerage/matsui-personal.txt:L447",
              "quote": "総合口座の口座解約は、松井証券顧客サポートで受付けます。"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "conditional",
          "value": "ネット取引と電話取引で手数料体系が異なる。総合口座・各商品口座の個別条件を確認する。",
          "source_ids": [
            "br-matsui-fee"
          ],
          "evidence": [
            {
              "source_id": "br-matsui-fee",
              "locator": "sources/brokerage/matsui-fee.txt:L362",
              "quote": "、単元未満株の売却、立会外分売での買付、電話でのお取引は、別の手数料体系です。"
            }
          ],
          "reason": null
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "conditional",
          "value": "投資信託口座はMATSUI Bank保有時の振替出金と、非保有時の総合口座経由出金を区別。総合口座からの着金時間・費用は本項目では未完備。",
          "source_ids": [
            "br-matsui-fund"
          ],
          "evidence": [
            {
              "source_id": "br-matsui-fund",
              "locator": "sources/brokerage/matsui-fund.txt:L364",
              "quote": "MATSUI Bank口座をお持ちではない場合、投資信託口座より総合口座へ振替後、出金してください。"
            }
          ],
          "reason": null
        }
      },
      "source_ids": [
        "br-matsui-fee",
        "br-matsui-fund",
        "br-matsui-home",
        "br-matsui-nisa",
        "br-matsui-payment",
        "br-matsui-personal",
        "br-matsui-transfer"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [
        {
          "id": "nisa-stock-online",
          "state": "conditional",
          "subject": "NISA日本株売買手数料",
          "necessity": "required",
          "amount_yen": 0,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "1売買",
          "quantity": 1,
          "period": null,
          "tax": null,
          "conditions": "NISAの日本株。電話注文への個別適用は未確認。商品固有費用は別。",
          "source_ids": [
            "br-matsui-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-matsui-nisa",
              "locator": "sources/brokerage/matsui-nisa.txt:L329",
              "quote": "松井証券のNISAは、制度が続く限り、3商品(日本株、米国株、投資信託)の売買手数料が無料です。"
            }
          ]
        },
        {
          "id": "custody",
          "state": "unknown",
          "subject": "保管関連費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "management",
          "state": "unknown",
          "subject": "保有商品運用管理費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "fx-other",
          "state": "unknown",
          "subject": "その他為替関連費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "transfer-other",
          "state": "unknown",
          "subject": "対象商品別の移管費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "closure-other",
          "state": "unknown",
          "subject": "解約時費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        }
      ],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "esmart-brokerage",
      "provider_id": "mitsubishi-ufj-esmart",
      "provider_name": "三菱UFJ eスマート証券株式会社",
      "brand_id": "mitsubishi-ufj-esmart",
      "name": "三菱UFJ eスマート証券 証券口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://kabu.com/item/nisa/rule.html",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [
        "auカブコム証券"
      ],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "conditional",
          "value": {
            "ended_program": "NISA割",
            "ended_on": "2026-05-15",
            "current_sor_start_date": null,
            "future_revision": null
          },
          "source_ids": [
            "br-esmart-ended"
          ],
          "evidence": [
            {
              "source_id": "br-esmart-ended",
              "locator": "sources/brokerage/esmart-ended.txt:L125",
              "quote": "体系への移行に伴い、「NISA割®」は、2026年5月15日をもちまして終了いたしました。"
            }
          ],
          "reason": "終了したNISA割を現行割引として採用しない。現在SOR料金の開始日に読み替えない。"
        },
        "eligibility": {
          "state": "conditional",
          "value": {
            "scope": "NISA口座",
            "residency": "日本国内",
            "prerequisite": "同社証券口座があり、他金融機関にNISA口座を開設していない等",
            "age_conditions": "満18歳以上"
          },
          "source_ids": [
            "br-esmart-nisa-rule"
          ],
          "evidence": [
            {
              "source_id": "br-esmart-nisa-rule",
              "locator": "sources/brokerage/esmart-nisa-rule.txt:L149",
              "quote": "（1） 満18歳以上であること"
            },
            {
              "source_id": "br-esmart-nisa-rule",
              "locator": "sources/brokerage/esmart-nisa-rule.txt:L150",
              "quote": "（2） 日本国内に居住していること"
            }
          ],
          "reason": null
        },
        "fees": {
          "state": "conditional",
          "value": "口座管理料無料。国内現物株の無料条件はSOR注文（地方市場等を除く）。NISA米国株は円貨決済のみ、為替スプレッドは1米ドルあたり20銭。信託報酬等は別。",
          "source_ids": [
            "br-esmart-fee",
            "br-esmart-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-esmart-fee",
              "locator": "sources/brokerage/esmart-fee.txt:L181",
              "quote": "口座管理料は無料です。"
            },
            {
              "source_id": "br-esmart-fee",
              "locator": "sources/brokerage/esmart-fee.txt:L183",
              "quote": "SOR注文を選択いただくと手数料は無料でご利用可能です。"
            },
            {
              "source_id": "br-esmart-nisa",
              "locator": "sources/brokerage/esmart-nisa.txt:L141",
              "quote": "外国為替取引の手数料1ドルあたり20銭"
            }
          ],
          "reason": null
        },
        "instruments": {
          "state": "conditional",
          "value": "国内株、米国株、プチ株、投信など。NISA対象は枠・銘柄別に判定。",
          "source_ids": [
            "br-esmart-nisa",
            "br-esmart-nisa-rule"
          ],
          "evidence": [
            {
              "source_id": "br-esmart-nisa",
              "locator": "sources/brokerage/esmart-nisa.txt:L12",
              "quote": "現物株式 信用取引 おためし信用® プチ株®（単元未満株） ETF・ETN・REIT 新規公開株（IPO）/公募・売出（PO） 株式公開買付(TOB) 株主優待"
            },
            {
              "source_id": "br-esmart-nisa-rule",
              "locator": "sources/brokerage/esmart-nisa-rule.txt:L155",
              "quote": "成長投資枠国内株式、国内上場ETF、REIT"
            }
          ],
          "reason": null
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "conditional",
          "value": {
            "scope": "NISAつみたて投資枠の毎月積立",
            "minimum_yen": 100,
            "increment_yen": 1,
            "other_products": null
          },
          "source_ids": [
            "br-esmart-nisa-rule"
          ],
          "evidence": [
            {
              "source_id": "br-esmart-nisa-rule",
              "locator": "sources/brokerage/esmart-nisa-rule.txt:L174",
              "quote": "2） 毎月の積立金額（買付所要金額以上、最低積立額100円以上、1円単位）※買付は1口単位。"
            }
          ],
          "reason": null
        },
        "nisa_scope": {
          "state": "conditional",
          "value": "つみたて枠は一定の公募株式投信、成長枠は国内株/ETF/REIT、米国株/ETF、公募株式投信。除外銘柄等の条件がある。",
          "source_ids": [
            "br-esmart-nisa-rule"
          ],
          "evidence": [
            {
              "source_id": "br-esmart-nisa-rule",
              "locator": "sources/brokerage/esmart-nisa-rule.txt:L129",
              "quote": "2. 投資対象商品"
            },
            {
              "source_id": "br-esmart-nisa-rule",
              "locator": "sources/brokerage/esmart-nisa-rule.txt:L155",
              "quote": "成長投資枠国内株式、国内上場ETF、REIT"
            },
            {
              "source_id": "br-esmart-nisa-rule",
              "locator": "sources/brokerage/esmart-nisa-rule.txt:L156",
              "quote": "米国株式、米国上場ETF"
            }
          ],
          "reason": null
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-esmart-nisa-rule"
          ],
          "evidence": [
            {
              "source_id": "br-esmart-nisa-rule",
              "locator": "sources/brokerage/esmart-nisa-rule.txt:L151",
              "quote": "（3） 三菱UFJ eスマート証券に口座を開設していること"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "conditional",
          "value": "SOR選択の有無で国内現物株の手数料が異なる。名証・福証・札証を主市場とする銘柄は無料対象外。電話注文はNISA成長枠を除き別途オペレーター料金。",
          "source_ids": [
            "br-esmart-fee"
          ],
          "evidence": [
            {
              "source_id": "br-esmart-fee",
              "locator": "sources/brokerage/esmart-fee.txt:L187",
              "quote": "名古屋証券取引所、福岡証券取引所、札幌証券取引所が主市場の上場株式は手数料無料の対象外であり、SOR注文を選択しない場合の手数料が適用されます。"
            },
            {
              "source_id": "br-esmart-fee",
              "locator": "sources/brokerage/esmart-fee.txt:L188",
              "quote": "枠）でのお取引は除き、電話でのお取引は、オペレーター料金2,200円（税込）が別途加算されます。"
            }
          ],
          "reason": null
        },
        "transfer": {
          "state": "conditional",
          "value": "株式・投信・個人向け国債で入出庫方法を分ける。投信出庫は所定手数料がある。NISA保有証券をNISAのまま他社へ移管できない。",
          "source_ids": [
            "br-esmart-transfer",
            "br-esmart-nisa-rule"
          ],
          "evidence": [
            {
              "source_id": "br-esmart-transfer",
              "locator": "sources/brokerage/esmart-transfer.txt:L142",
              "quote": "出庫手続きには所定の手数料が発生します。"
            },
            {
              "source_id": "br-esmart-nisa-rule",
              "locator": "sources/brokerage/esmart-nisa-rule.txt:L140",
              "quote": "金融機関等を変更した場合を除く）。また、異なる金融機関等に口座内の上場株式等の移管ができません。"
            }
          ],
          "reason": null
        },
        "withdrawal": {
          "state": "conditional",
          "value": {
            "scope": "円貨出金指示金額",
            "minimum_yen": 1000,
            "increment_yen": 1,
            "exception": "auじぶん銀行との口座振替契約設定時は1円以上1円単位",
            "timing": null
          },
          "source_ids": [
            "br-esmart-payment"
          ],
          "evidence": [
            {
              "source_id": "br-esmart-payment",
              "locator": "sources/brokerage/esmart-payment.txt:L155",
              "quote": "1,000円以上1円単位(100億円未満）（auじぶん銀行との口座振替契約を設定した場合、1円以上1円単位（1億円未満まで））です。"
            }
          ],
          "reason": null
        }
      },
      "source_ids": [
        "br-esmart-ended",
        "br-esmart-fee",
        "br-esmart-home",
        "br-esmart-nisa",
        "br-esmart-nisa-rule",
        "br-esmart-payment",
        "br-esmart-transfer"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [
        {
          "id": "domestic-sor",
          "state": "conditional",
          "subject": "国内現物株のSOR注文売買手数料",
          "necessity": "required",
          "amount_yen": 0,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "1売買",
          "quantity": 1,
          "period": null,
          "tax": null,
          "conditions": "地方市場主市場銘柄等を除く。電話オペレーター別。",
          "source_ids": [
            "br-esmart-fee"
          ],
          "evidence": [
            {
              "source_id": "br-esmart-fee",
              "locator": "sources/brokerage/esmart-fee.txt:L183",
              "quote": "SOR注文を選択いただくと手数料は無料でご利用可能です。"
            }
          ]
        },
        {
          "id": "account-management",
          "state": "conditional",
          "subject": "証券口座管理料",
          "necessity": "required",
          "amount_yen": 0,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "口座管理",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "保有商品の信託報酬等と別。",
          "source_ids": [
            "br-esmart-fee"
          ],
          "evidence": [
            {
              "source_id": "br-esmart-fee",
              "locator": "sources/brokerage/esmart-fee.txt:L181",
              "quote": "口座管理料は無料です。"
            }
          ]
        },
        {
          "id": "nisa-usd-fx",
          "state": "conditional",
          "subject": "NISA米国株円貨決済の為替スプレッド",
          "necessity": "required",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "1 USD",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "原典：1ドルあたり20銭（0.20 JPY/USD）。整数円項目に丸めない。",
          "source_ids": [
            "br-esmart-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-esmart-nisa",
              "locator": "sources/brokerage/esmart-nisa.txt:L141",
              "quote": "外国為替取引の手数料1ドルあたり20銭"
            }
          ]
        },
        {
          "id": "custody",
          "state": "unknown",
          "subject": "保管関連費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "management",
          "state": "unknown",
          "subject": "保有商品運用管理費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "fx-other",
          "state": "unknown",
          "subject": "その他為替関連費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "transfer-other",
          "state": "unknown",
          "subject": "対象商品別の移管費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "closure-other",
          "state": "unknown",
          "subject": "解約時費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        }
      ],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "gmo-click-brokerage",
      "provider_id": "gmo-click",
      "provider_name": "GMOクリック証券株式会社",
      "brand_id": "gmo-click",
      "name": "GMOクリック証券 証券取引口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.click-sec.com/corp/kouza/entry/kijun.html",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "conditional",
          "value": "日本国内居住の成人個人。ネット環境、日本語、メール、電子交付同意等が必要。米国籍・米国居住者や証券会社勤務等の制限、審査あり。",
          "source_ids": [
            "br-gmo-kijun"
          ],
          "evidence": [
            {
              "source_id": "br-gmo-kijun",
              "locator": "sources/brokerage/gmo-kijun.txt:L287",
              "quote": "日本国内にお住まいであること"
            },
            {
              "source_id": "br-gmo-kijun",
              "locator": "sources/brokerage/gmo-kijun.txt:L298",
              "quote": "米国籍保有者および米国居住者ではないこと"
            },
            {
              "source_id": "br-gmo-kijun",
              "locator": "sources/brokerage/gmo-kijun.txt:L299",
              "quote": "、マイナンバーの受け入れ後、当社において口座開設審査を行うこととなります。審査の結果によっては口座開設のご希望に添いかねる場合がありますのであらかじめご了承ください。（例：複数のお客様において、メールアドレスが同一である等、登録情報に重複がある場合。）なお、審査の結果については結果内容に係わらずすべて非開示とさせていただいております。"
            }
          ],
          "reason": null
        },
        "fees": {
          "state": "conditional",
          "value": "NISA売買無料はコールセンター注文・単元未満株売却を除く。口座開設・維持管理・通常出金は無料。信用金利等や商品別費用は別。",
          "source_ids": [
            "br-gmo-nisa",
            "br-gmo-commission"
          ],
          "evidence": [
            {
              "source_id": "br-gmo-nisa",
              "locator": "sources/brokerage/gmo-nisa.txt:L334",
              "quote": "※但し、コールセンターからのご注文・単元未満株式の売却注文は除きます。現物取引ルール、単元未満株取引ルールをご確認ください。"
            },
            {
              "source_id": "br-gmo-commission",
              "locator": "sources/brokerage/gmo-commission.txt:L416",
              "quote": "維持・管理手数料（全口座）無料"
            },
            {
              "source_id": "br-gmo-commission",
              "locator": "sources/brokerage/gmo-commission.txt:L408",
              "quote": "出金無料"
            }
          ],
          "reason": null
        },
        "instruments": {
          "state": "conditional",
          "value": "NISAの成長枠は東証株式・ETF・REIT・ETN、IPO、PO等。対象外属性がある。",
          "source_ids": [
            "br-gmo-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-gmo-nisa",
              "locator": "sources/brokerage/gmo-nisa.txt:L296",
              "quote": "東京証券取引所上場銘柄（株式・ETF・REIT・ETNなど）、IPO、PO"
            }
          ],
          "reason": null
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "conditional",
          "value": "成長枠で東証上場株・ETF・REIT等、つみたて枠は同社選定投信。信用・FX等は制度上対象外。",
          "source_ids": [
            "br-gmo-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-gmo-nisa",
              "locator": "sources/brokerage/gmo-nisa.txt:L296",
              "quote": "東京証券取引所上場銘柄（株式・ETF・REIT・ETNなど）、IPO、PO"
            },
            {
              "source_id": "br-gmo-nisa",
              "locator": "sources/brokerage/gmo-nisa.txt:L300",
              "quote": "※信用、FX等その他の当社取扱商品は、制度上NISA口座の対象外となっております。"
            }
          ],
          "reason": null
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-gmo-kijun"
          ],
          "evidence": [
            {
              "source_id": "br-gmo-kijun",
              "locator": "sources/brokerage/gmo-kijun.txt:L276",
              "quote": "証券取引口座開設申込受付基準"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "conditional",
          "value": "NISAは完全前受制度。買付余力・年間投資枠の範囲内で注文。PC会員ページとGMOクリック株が取引チャネル、ツールにより照会のみ。",
          "source_ids": [
            "br-gmo-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-gmo-nisa",
              "locator": "sources/brokerage/gmo-nisa.txt:L290",
              "quote": "当社では「完全前受制度」を採用しています。新規買付注文の場合は「NISA口座 年間投資可能額」、「NISA口座 買付余力」の範囲内で、売却注文の場合はNISA保有株の範囲内でお受けします。"
            },
            {
              "source_id": "br-gmo-nisa",
              "locator": "sources/brokerage/gmo-nisa.txt:L359",
              "quote": "PC会員ページ、GMOクリック 株"
            }
          ],
          "reason": null
        },
        "transfer": {
          "state": "conditional",
          "value": "NISA保有の他社移管は一度特定・一般口座へ振り替えてから。NISAへ保有資産を振り替えることはできない。",
          "source_ids": [
            "br-gmo-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-gmo-nisa",
              "locator": "sources/brokerage/gmo-nisa.txt:L341",
              "quote": "株式等の他社への移管を希望される場合は、一旦当社にて特定口座・一般口座へ振替えた後にお手続きください。"
            },
            {
              "source_id": "br-gmo-nisa",
              "locator": "sources/brokerage/gmo-nisa.txt:L336",
              "quote": "すでに保有している上場株式等をNISA口座へ振替えることはできません。"
            }
          ],
          "reason": null
        },
        "withdrawal": {
          "state": "conditional",
          "value": "指定の金融機関への出金手続きを行う。通常出金の手数料は無料。入金方式・時間帯の個別条件は未完備。",
          "source_ids": [
            "br-gmo-payment",
            "br-gmo-commission"
          ],
          "evidence": [
            {
              "source_id": "br-gmo-payment",
              "locator": "sources/brokerage/gmo-payment.txt:L311",
              "quote": "出金先金融機関をご指定いただき、出金手続きを行っていただきます。"
            },
            {
              "source_id": "br-gmo-commission",
              "locator": "sources/brokerage/gmo-commission.txt:L408",
              "quote": "出金無料"
            }
          ],
          "reason": null
        }
      },
      "source_ids": [
        "br-gmo-commission",
        "br-gmo-home",
        "br-gmo-kijun",
        "br-gmo-nisa",
        "br-gmo-payment"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [
        {
          "id": "nisa-stock-online",
          "state": "conditional",
          "subject": "NISA国内株売買手数料",
          "necessity": "required",
          "amount_yen": 0,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "1売買",
          "quantity": 1,
          "period": null,
          "tax": null,
          "conditions": "コールセンター注文・単元未満株売却を除く。",
          "source_ids": [
            "br-gmo-nisa"
          ],
          "evidence": [
            {
              "source_id": "br-gmo-nisa",
              "locator": "sources/brokerage/gmo-nisa.txt:L333",
              "quote": "NISA口座でのお取引につきましては、売買手数料は無料です。"
            },
            {
              "source_id": "br-gmo-nisa",
              "locator": "sources/brokerage/gmo-nisa.txt:L334",
              "quote": "※但し、コールセンターからのご注文・単元未満株式の売却注文は除きます。現物取引ルール、単元未満株取引ルールをご確認ください。"
            }
          ]
        },
        {
          "id": "account-management",
          "state": "conditional",
          "subject": "口座維持管理手数料",
          "necessity": "required",
          "amount_yen": 0,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "口座管理",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "商品固有費用・信用金利等と別。",
          "source_ids": [
            "br-gmo-commission"
          ],
          "evidence": [
            {
              "source_id": "br-gmo-commission",
              "locator": "sources/brokerage/gmo-commission.txt:L416",
              "quote": "維持・管理手数料（全口座）無料"
            }
          ]
        },
        {
          "id": "yen-withdrawal",
          "state": "conditional",
          "subject": "円貨通常出金手数料",
          "necessity": "required",
          "amount_yen": 0,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "1出金",
          "quantity": 1,
          "period": null,
          "tax": null,
          "conditions": "出金方法・口座条件別途。",
          "source_ids": [
            "br-gmo-commission"
          ],
          "evidence": [
            {
              "source_id": "br-gmo-commission",
              "locator": "sources/brokerage/gmo-commission.txt:L408",
              "quote": "出金無料"
            }
          ]
        },
        {
          "id": "custody",
          "state": "unknown",
          "subject": "保管関連費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "management",
          "state": "unknown",
          "subject": "保有商品運用管理費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "fx-other",
          "state": "unknown",
          "subject": "その他為替関連費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "transfer-other",
          "state": "unknown",
          "subject": "対象商品別の移管費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "closure-other",
          "state": "unknown",
          "subject": "解約時費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "未確定",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": "対象商品・取引コース・通貨等が未固定のため、必要性と金額を確認できない。",
          "source_ids": [],
          "evidence": []
        }
      ],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "nomura-brokerage",
      "provider_id": "nomura-securities",
      "provider_name": "野村證券株式会社",
      "brand_id": "nomura-securities",
      "name": "野村證券 証券口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.nomura.co.jp/",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "利用対象・国内居住条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "手数料・契約費用の対象・条件・費用は、公式資料で確認できていません。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取扱商品・学習内容の対象・条件・費用は、公式資料で確認できていません。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "NISA対象範囲の対象・条件・費用は、公式資料で確認できていません。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-nomura-home"
          ],
          "evidence": [
            {
              "source_id": "br-nomura-home",
              "locator": "sources/brokerage/nomura-home.txt:L92",
              "quote": "野村證券の証券口座と野村信託銀行の普通預金口座を連携させて、自動的に資金の引出し・預入を行うサービスです。"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取引種別・コース・条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "出金・受給の制約の対象・条件・費用は、公式資料で確認できていません。"
        }
      },
      "source_ids": [
        "br-nomura-home",
        "br-nomura-open"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "daiwa-brokerage",
      "provider_id": "daiwa-securities",
      "provider_name": "大和証券株式会社",
      "brand_id": "daiwa-securities",
      "name": "大和証券 証券総合口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.daiwa.jp/open/",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "利用対象・国内居住条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "手数料・契約費用の対象・条件・費用は、公式資料で確認できていません。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取扱商品・学習内容の対象・条件・費用は、公式資料で確認できていません。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "NISA対象範囲の対象・条件・費用は、公式資料で確認できていません。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-daiwa-open"
          ],
          "evidence": [
            {
              "source_id": "br-daiwa-open",
              "locator": "sources/brokerage/daiwa-open.txt:L22",
              "quote": "証券総合サービス"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取引種別・コース・条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "出金・受給の制約の対象・条件・費用は、公式資料で確認できていません。"
        }
      },
      "source_ids": [
        "br-daiwa-home",
        "br-daiwa-open"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "smbc-nikko-brokerage",
      "provider_id": "smbc-nikko",
      "provider_name": "ＳＭＢＣ日興証券株式会社",
      "brand_id": "smbc-nikko",
      "name": "SMBC日興証券 証券口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.smbcnikko.co.jp/",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "利用対象・国内居住条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "手数料・契約費用の対象・条件・費用は、公式資料で確認できていません。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取扱商品・学習内容の対象・条件・費用は、公式資料で確認できていません。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "NISA対象範囲の対象・条件・費用は、公式資料で確認できていません。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-smbcnikko-home"
          ],
          "evidence": [
            {
              "source_id": "br-smbcnikko-home",
              "locator": "sources/brokerage/smbcnikko-home.txt:L26",
              "quote": "口座開設"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取引種別・コース・条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "出金・受給の制約の対象・条件・費用は、公式資料で確認できていません。"
        }
      },
      "source_ids": [
        "br-smbcnikko-home"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "mizuho-brokerage",
      "provider_id": "mizuho-securities",
      "provider_name": "みずほ証券株式会社",
      "brand_id": "mizuho-securities",
      "name": "みずほ証券 証券口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.mizuho-sc.com/beginners/account/index.html",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "利用対象・国内居住条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "手数料・契約費用の対象・条件・費用は、公式資料で確認できていません。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取扱商品・学習内容の対象・条件・費用は、公式資料で確認できていません。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "NISA対象範囲の対象・条件・費用は、公式資料で確認できていません。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-mizuho-open"
          ],
          "evidence": [
            {
              "source_id": "br-mizuho-open",
              "locator": "sources/brokerage/mizuho-open.txt:L12",
              "quote": "口座開設のご案内"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取引種別・コース・条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "出金・受給の制約の対象・条件・費用は、公式資料で確認できていません。"
        }
      },
      "source_ids": [
        "br-mizuho-home",
        "br-mizuho-open"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "mufg-morgan-brokerage",
      "provider_id": "mufg-morgan-stanley",
      "provider_name": "三菱ＵＦＪモルガン・スタンレー証券株式会社",
      "brand_id": "mufg-morgan-stanley",
      "name": "三菱UFJモルガン・スタンレー証券 証券口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.sc.mufg.jp/select_aes/index.html",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "利用対象・国内居住条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "手数料・契約費用の対象・条件・費用は、公式資料で確認できていません。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取扱商品・学習内容の対象・条件・費用は、公式資料で確認できていません。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "NISA対象範囲の対象・条件・費用は、公式資料で確認できていません。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-mufgmorgan-open"
          ],
          "evidence": [
            {
              "source_id": "br-mufgmorgan-open",
              "locator": "sources/brokerage/mufgmorgan-open.txt:L2",
              "quote": "口座開設のご案内"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取引種別・コース・条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "出金・受給の制約の対象・条件・費用は、公式資料で確認できていません。"
        }
      },
      "source_ids": [
        "br-mufgmorgan-home",
        "br-mufgmorgan-open"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "iwai-cosmo-brokerage",
      "provider_id": "iwai-cosmo",
      "provider_name": "岩井コスモ証券株式会社",
      "brand_id": "iwai-cosmo",
      "name": "岩井コスモ証券 コスモ・ネットレ総合口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.iwaicosmo.net/",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "利用対象・国内居住条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "手数料・契約費用の対象・条件・費用は、公式資料で確認できていません。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取扱商品・学習内容の対象・条件・費用は、公式資料で確認できていません。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "NISA対象範囲の対象・条件・費用は、公式資料で確認できていません。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-iwai-home"
          ],
          "evidence": [
            {
              "source_id": "br-iwai-home",
              "locator": "sources/brokerage/iwai-home.txt:L36",
              "quote": "総合口座"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取引種別・コース・条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "出金・受給の制約の対象・条件・費用は、公式資料で確認できていません。"
        }
      },
      "source_ids": [
        "br-iwai-home",
        "br-iwai-open"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "marusan-brokerage",
      "provider_id": "marusan",
      "provider_name": "丸三証券株式会社",
      "brand_id": "marusan",
      "name": "丸三証券 取引口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.marusan-sec.co.jp/torihiki/account/openflow/",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "利用対象・国内居住条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "手数料・契約費用の対象・条件・費用は、公式資料で確認できていません。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取扱商品・学習内容の対象・条件・費用は、公式資料で確認できていません。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "NISA対象範囲の対象・条件・費用は、公式資料で確認できていません。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-marusan-open"
          ],
          "evidence": [
            {
              "source_id": "br-marusan-open",
              "locator": "sources/brokerage/marusan-open.txt:L38",
              "quote": "お取引口座"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取引種別・コース・条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "出金・受給の制約の対象・条件・費用は、公式資料で確認できていません。"
        }
      },
      "source_ids": [
        "br-marusan-home",
        "br-marusan-open"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "musashi-brokerage",
      "provider_id": "musashi",
      "provider_name": "むさし証券株式会社",
      "brand_id": "musashi",
      "name": "むさし証券 証券口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.musashi-sec.co.jp/",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "利用対象・国内居住条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "手数料・契約費用の対象・条件・費用は、公式資料で確認できていません。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取扱商品・学習内容の対象・条件・費用は、公式資料で確認できていません。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "NISA対象範囲の対象・条件・費用は、公式資料で確認できていません。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-musashi-home"
          ],
          "evidence": [
            {
              "source_id": "br-musashi-home",
              "locator": "sources/brokerage/musashi-home.txt:L100",
              "quote": "口座振替らくらく安心サービス"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取引種別・コース・条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "出金・受給の制約の対象・条件・費用は、公式資料で確認できていません。"
        }
      },
      "source_ids": [
        "br-musashi-home"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "ichiyoshi-brokerage",
      "provider_id": "ichiyoshi",
      "provider_name": "いちよし証券株式会社",
      "brand_id": "ichiyoshi",
      "name": "いちよし証券 総合口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.ichiyoshi.co.jp/account",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "利用対象・国内居住条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "手数料・契約費用の対象・条件・費用は、公式資料で確認できていません。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取扱商品・学習内容の対象・条件・費用は、公式資料で確認できていません。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "NISA対象範囲の対象・条件・費用は、公式資料で確認できていません。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-ichiyoshi-open"
          ],
          "evidence": [
            {
              "source_id": "br-ichiyoshi-open",
              "locator": "sources/brokerage/ichiyoshi-open.txt:L72",
              "quote": "総合口座開設のご案内"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取引種別・コース・条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "出金・受給の制約の対象・条件・費用は、公式資料で確認できていません。"
        }
      },
      "source_ids": [
        "br-ichiyoshi-home",
        "br-ichiyoshi-open"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "toyo-brokerage",
      "provider_id": "toyo-securities",
      "provider_name": "東洋証券株式会社",
      "brand_id": "toyo-securities",
      "name": "東洋証券 証券口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.toyo-sec.co.jp/account/",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "利用対象・国内居住条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "手数料・契約費用の対象・条件・費用は、公式資料で確認できていません。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取扱商品・学習内容の対象・条件・費用は、公式資料で確認できていません。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "NISA対象範囲の対象・条件・費用は、公式資料で確認できていません。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-toyo-open"
          ],
          "evidence": [
            {
              "source_id": "br-toyo-open",
              "locator": "sources/brokerage/toyo-open.txt:L9",
              "quote": "口座開設"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取引種別・コース・条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "出金・受給の制約の対象・条件・費用は、公式資料で確認できていません。"
        }
      },
      "source_ids": [
        "br-toyo-home",
        "br-toyo-open"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "tokai-tokyo-brokerage",
      "provider_id": "tokai-tokyo",
      "provider_name": "東海東京証券株式会社",
      "brand_id": "tokai-tokyo",
      "name": "東海東京証券 証券口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.tokaitokyo.co.jp/",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "利用対象・国内居住条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "手数料・契約費用の対象・条件・費用は、公式資料で確認できていません。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取扱商品・学習内容の対象・条件・費用は、公式資料で確認できていません。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "NISA対象範囲の対象・条件・費用は、公式資料で確認できていません。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-tokaitokyo-home"
          ],
          "evidence": [
            {
              "source_id": "br-tokaitokyo-home",
              "locator": "sources/brokerage/tokaitokyo-home.txt:L40",
              "quote": "口座管理料の徴収についてのご案内"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取引種別・コース・条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "出金・受給の制約の対象・条件・費用は、公式資料で確認できていません。"
        }
      },
      "source_ids": [
        "br-tokaitokyo-home"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "paypay-brokerage",
      "provider_id": "paypay-securities",
      "provider_name": "PayPay証券株式会社",
      "brand_id": "paypay-securities",
      "name": "PayPay証券 証券口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.paypay-sec.co.jp/account/",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "利用対象・国内居住条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "手数料・契約費用の対象・条件・費用は、公式資料で確認できていません。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取扱商品・学習内容の対象・条件・費用は、公式資料で確認できていません。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "NISA対象範囲の対象・条件・費用は、公式資料で確認できていません。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-paypay-open"
          ],
          "evidence": [
            {
              "source_id": "br-paypay-open",
              "locator": "sources/brokerage/paypay-open.txt:L13",
              "quote": "証券口座の申込み完了"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取引種別・コース・条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "出金・受給の制約の対象・条件・費用は、公式資料で確認できていません。"
        }
      },
      "source_ids": [
        "br-paypay-home",
        "br-paypay-open"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "sbi-neotrade-brokerage",
      "provider_id": "sbi-neotrade",
      "provider_name": "株式会社SBIネオトレード証券",
      "brand_id": "sbi-neotrade",
      "name": "SBIネオトレード証券 証券総合口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.sbineotrade.jp/stock/open-account/",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "利用対象・国内居住条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "手数料・契約費用の対象・条件・費用は、公式資料で確認できていません。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取扱商品・学習内容の対象・条件・費用は、公式資料で確認できていません。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "NISA対象範囲の対象・条件・費用は、公式資料で確認できていません。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-sbineotrade-open"
          ],
          "evidence": [
            {
              "source_id": "br-sbineotrade-open",
              "locator": "sources/brokerage/sbineotrade-open.txt:L141",
              "quote": "証券総合口座開設から取引までの流れ（個人）"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取引種別・コース・条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "出金・受給の制約の対象・条件・費用は、公式資料で確認できていません。"
        }
      },
      "source_ids": [
        "br-sbineotrade-home",
        "br-sbineotrade-open"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "dmm-brokerage",
      "provider_id": "dmm-securities",
      "provider_name": "株式会社DMM.com証券",
      "brand_id": "dmm-securities",
      "name": "DMM 株 証券口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://kabu.dmm.com/",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "利用対象・国内居住条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "手数料・契約費用の対象・条件・費用は、公式資料で確認できていません。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取扱商品・学習内容の対象・条件・費用は、公式資料で確認できていません。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "NISA対象範囲の対象・条件・費用は、公式資料で確認できていません。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-dmm-home"
          ],
          "evidence": [
            {
              "source_id": "br-dmm-home",
              "locator": "sources/brokerage/dmm-home.txt:L33",
              "quote": "NISA口座申込み方法"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取引種別・コース・条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "出金・受給の制約の対象・条件・費用は、公式資料で確認できていません。"
        }
      },
      "source_ids": [
        "br-dmm-home"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "ibkr-brokerage",
      "provider_id": "interactive-brokers-japan",
      "provider_name": "インタラクティブ・ブローカーズ証券株式会社",
      "brand_id": "interactive-brokers-japan",
      "name": "インタラクティブ・ブローカーズ証券 口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.interactivebrokers.co.jp/jp/home.php",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "利用対象・国内居住条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "手数料・契約費用の対象・条件・費用は、公式資料で確認できていません。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取扱商品・学習内容の対象・条件・費用は、公式資料で確認できていません。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "NISA対象範囲の対象・条件・費用は、公式資料で確認できていません。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-ibkr-home"
          ],
          "evidence": [
            {
              "source_id": "br-ibkr-home",
              "locator": "sources/brokerage/ibkr-home.txt:L21",
              "quote": "口座開設"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取引種別・コース・条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "出金・受給の制約の対象・条件・費用は、公式資料で確認できていません。"
        }
      },
      "source_ids": [
        "br-ibkr-home"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "webull-brokerage",
      "provider_id": "webull-japan",
      "provider_name": "ウィブル証券株式会社",
      "brand_id": "webull-japan",
      "name": "ウィブル証券 総合口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.webull.co.jp/",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "利用対象・国内居住条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "手数料・契約費用の対象・条件・費用は、公式資料で確認できていません。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取扱商品・学習内容の対象・条件・費用は、公式資料で確認できていません。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "NISA対象範囲の対象・条件・費用は、公式資料で確認できていません。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-webull-home"
          ],
          "evidence": [
            {
              "source_id": "br-webull-home",
              "locator": "sources/brokerage/webull-home.txt:L52",
              "quote": "総合口座内の米ドルを自動で外貨建て MMF で運用。Moneybullって何？"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取引種別・コース・条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "出金・受給の制約の対象・条件・費用は、公式資料で確認できていません。"
        }
      },
      "source_ids": [
        "br-webull-home"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "moomoo-brokerage",
      "provider_id": "moomoo-japan",
      "provider_name": "moomoo証券株式会社",
      "brand_id": "moomoo-japan",
      "name": "moomoo証券 証券口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.moomoo.com/jp",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "利用対象・国内居住条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "手数料・契約費用の対象・条件・費用は、公式資料で確認できていません。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取扱商品・学習内容の対象・条件・費用は、公式資料で確認できていません。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "NISA対象範囲の対象・条件・費用は、公式資料で確認できていません。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-moomoo-home"
          ],
          "evidence": [
            {
              "source_id": "br-moomoo-home",
              "locator": "sources/brokerage/moomoo-home.txt:L3",
              "quote": "口座開設の流れ"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取引種別・コース・条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "出金・受給の制約の対象・条件・費用は、公式資料で確認できていません。"
        }
      },
      "source_ids": [
        "br-moomoo-home"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "okasan-brokerage",
      "provider_id": "okasan-securities",
      "provider_name": "岡三証券株式会社",
      "brand_id": "okasan-securities",
      "name": "岡三証券 証券取引口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.okasan.co.jp/",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "利用対象・国内居住条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "手数料・契約費用の対象・条件・費用は、公式資料で確認できていません。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取扱商品・学習内容の対象・条件・費用は、公式資料で確認できていません。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "NISA対象範囲の対象・条件・費用は、公式資料で確認できていません。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-okasan-home"
          ],
          "evidence": [
            {
              "source_id": "br-okasan-home",
              "locator": "sources/brokerage/okasan-home.txt:L25",
              "quote": "お取引チャネルと口座種別"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取引種別・コース・条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "出金・受給の制約の対象・条件・費用は、公式資料で確認できていません。"
        }
      },
      "source_ids": [
        "br-okasan-home",
        "br-okasan-online-home"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "shizugintm-brokerage",
      "provider_id": "shizugin-tm",
      "provider_name": "静銀ティーエム証券株式会社",
      "brand_id": "shizugin-tm",
      "name": "静銀ティーエム証券 証券口座",
      "category": "brokerage",
      "entity_type": "brokerage_account",
      "official_url": "https://www.shizugintm.co.jp/hajimete/shop.html",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "解約の対象・条件・費用は、公式資料で確認できていません。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "適用時点・改定の対象・条件・費用は、公式資料で確認できていません。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "利用対象・国内居住条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "手数料・契約費用の対象・条件・費用は、公式資料で確認できていません。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取扱商品・学習内容の対象・条件・費用は、公式資料で確認できていません。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "学習契約の条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "最低金額の対象・条件・費用は、公式資料で確認できていません。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "NISA対象範囲の対象・条件・費用は、公式資料で確認できていません。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "brokerage_account"
            }
          },
          "source_ids": [
            "br-shizugintm-open"
          ],
          "evidence": [
            {
              "source_id": "br-shizugintm-open",
              "locator": "sources/brokerage/shizugintm-open.txt:L13",
              "quote": "口座の開設"
            }
          ],
          "reason": "証券口座を単位としている。投資一任・投資対象商品そのものを指さない。"
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "取引種別・コース・条件の対象・条件・費用は、公式資料で確認できていません。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "移管の対象・条件・費用は、公式資料で確認できていません。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "出金・受給の制約の対象・条件・費用は、公式資料で確認できていません。"
        }
      },
      "source_ids": [
        "br-shizugintm-open"
      ],
      "notes": [
        "証券口座の候補。個々の商品・注文・口座制度で条件が異なる。運用成果の順位は付けない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "sbi-ideco",
      "provider_id": "sbi-securities",
      "provider_name": "株式会社SBI証券",
      "brand_id": "sbi-securities",
      "name": "SBI証券 iDeCo（セレクトプラン）",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://go.sbisec.co.jp/prd/ideco/ideco_top.html",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "conditional",
          "value": "掛金の拠出停止は可能でも、年金資産の自由な解約払戻しとは異なる。脱退一時金は一定要件をすべて満たす場合に限定。",
          "source_ids": [
            "rl-ideco-structure",
            "rl-ideco-faq"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L121-123",
              "quote": "※2\nいつでも掛金の拠出を止めることができます。\n※3"
            },
            {
              "source_id": "rl-ideco-faq",
              "locator": "sources/retirement_learning/ideco-faq.txt:L113-115",
              "quote": "掛金の拠出の継続を希望されない場合は、iDeCoの加入者資格を喪失する手続きを行い、「運用指図者」として、それまでの積立金の運用を継続いただく必要があります。\nなお、例外として、脱退一時金の給付がありますが、国民年金の保険料免除者になるなどの一定の要件を全て満たした場合に限られます。\n運用指図者とは何のことですか。"
            }
          ],
          "reason": null
        },
        "effective": {
          "state": "conditional",
          "value": "連合会の納付手数料は2027年1月26日口座引落分から120円/拠出対象月。現行105円/収納を現在額として保持。年単位拠出では拠出月数を掛ける。運営管理料0円・資産管理66円/月は別。",
          "source_ids": [
            "nagi26-investing-sbi-fee"
          ],
          "evidence": [
            {
              "source_id": "nagi26-investing-sbi-fee",
              "locator": "sources/nagi26-investing-sbi-fee.txt",
              "quote": "2027/1/26引落分～"
            }
          ],
          "reason": "項目別料金と適用時点を補完。制度加入資格・受給制限・商品費用は別。"
        },
        "eligibility": {
          "state": "conditional",
          "value": "制度上は国民年金の第1〜第3号・任意加入被保険者等が対象。保険料免除、マッチング拠出、受給歴等による除外あり。個別運営機関の居住要件・受付判断は別確認。",
          "source_ids": [
            "rl-ideco-structure"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L54-57",
              "quote": "〇iDeCoに加入いただける方は、公的年金制度の以下の被保険者種別に当てはまる方になります。\n国民年金の第１号被保険者\n①\n20歳以上60歳未満の自営業者とその家族、フリーランス、学生の方"
            },
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L78-84",
              "quote": "65歳以上の厚生年金被保険者で、加入期間が120月以上の方（老齢年金の受給権がある方）は国民年金の第２号被保険者ではありません。\n※\n以下のどれかに当てはまる方は加入対象となりません。\n・\nお勤め先で企業型確定拠出年金に加入している方で、事業主掛金を各月単位ではなく、年単位で拠出している方。\n・\nお勤め先で企業型確定拠出年金に加入している方で、事業主掛金に上乗せしてマッチング拠出（注）をしている方。"
            }
          ],
          "reason": "国内居住だけで加入可とは判定しない。2026年12月改正を先取りしない。"
        },
        "fees": {
          "state": "conditional",
          "value": "SBI運営管理0円に加え、新規加入/企業年金移換2,829円、現行連合会105円/収納、信託銀行66円/月。他機関移換4,400円（残高不足時は全額）。2027年1月26日引落分から連合会120円/拠出対象月となり、毎月拠出の管理費小計171円→186円/月。商品費用・給付/還付等は別。",
          "source_ids": [
            "nagi26-investing-sbi-fee"
          ],
          "evidence": [
            {
              "source_id": "nagi26-investing-sbi-fee",
              "locator": "sources/nagi26-investing-sbi-fee.txt",
              "quote": "186円"
            }
          ],
          "reason": "項目別料金と適用時点を補完。制度加入資格・受給制限・商品費用は別。"
        },
        "instruments": {
          "state": "conditional",
          "value": "セレクトプランの運用商品。インデックス型・アクティブ型等の案内を確認。正確な現行全商品・信託報酬は未照合。",
          "source_ids": [
            "rl-sbi-ideco-top"
          ],
          "evidence": [
            {
              "source_id": "rl-sbi-ideco-top",
              "locator": "sources/retirement_learning/sbi-ideco-top.txt:L156-158",
              "quote": "＼様々な投資ニーズにお応え！／\n低コストインデックスもアクティブも！\n多様な商品"
            }
          ],
          "reason": null
        },
        "learning_contract": {
          "state": "not_applicable",
          "value": "この行はiDeCo運営管理サービス。独立した有料学習講座契約は比較対象外。",
          "source_ids": [
            "rl-sbi-ideco-top"
          ],
          "evidence": [
            {
              "source_id": "rl-sbi-ideco-top",
              "locator": "sources/retirement_learning/sbi-ideco-top.txt:L53-55",
              "quote": "お問い合せ\n個人型確定拠出年金：iDeCo（イデコ）\n証券総合口座と同時に"
            }
          ],
          "reason": "運用商品と学習契約を混同しない。"
        },
        "minimum": {
          "state": "conditional",
          "value": {
            "掛金最低額（円/月）": 5000,
            "変更単位（円）": 1000,
            "注意": "拠出元本であり手数料ではない。区分別上限・資格条件が別にある。"
          },
          "source_ids": [
            "rl-ideco-structure"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L114-116",
              "quote": "掛金は少額から自分で決められる！\n○ iDeCoは月々5,000円から始められ、掛金額を1,000円単位で自由に設定できます。\n○ 資金に余裕のない方でも、ご自身のライフスタイルに合わせた無理のない負担で老後に備えることができます。"
            }
          ],
          "reason": null
        },
        "nisa_scope": {
          "state": "not_applicable",
          "value": "iDeCo運営管理サービスであり、NISA口座としての非課税枠を扱う契約ではない。",
          "source_ids": [
            "rl-sbi-ideco-top"
          ],
          "evidence": [
            {
              "source_id": "rl-sbi-ideco-top",
              "locator": "sources/retirement_learning/sbi-ideco-top.txt:L53-55",
              "quote": "お問い合せ\n個人型確定拠出年金：iDeCo（イデコ）\n証券総合口座と同時に"
            }
          ],
          "reason": "サービス型の区別。別のNISA口座サービスの提供有無は意味しない。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "ideco_administrator"
            }
          },
          "source_ids": [
            "rl-sbi-ideco-top"
          ],
          "evidence": [
            {
              "source_id": "rl-sbi-ideco-top",
              "locator": "sources/retirement_learning/sbi-ideco-top.txt:L53-55",
              "quote": "お問い合せ\n個人型確定拠出年金：iDeCo（イデコ）\n証券総合口座と同時に"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "conditional",
          "value": "運営管理機関が提示する商品の中から配分を選択。掛金額の変更は原則年1回、企業年金加入者・公務員には毎月定額拠出等の制限。",
          "source_ids": [
            "rl-ideco-structure"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L125-127",
              "quote": "iDeCoの運用について\n○ 運営管理機関が選定する運用商品の中から、自由に組み合わせて運用します。\n○ 運用に当たっては、自分の運用方針（許容するリスクのレベル感や目標利回りなど）を定めたうえで、運用商品を選びます。"
            },
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L119-121",
              "quote": "※1\n掛金額は、1年（12月分の掛金から翌年11月分の掛金の間）に1回限り変更することができます。\n※2"
            }
          ],
          "reason": null
        },
        "transfer": {
          "state": "conditional",
          "value": "運営管理機関の変更は可能。新機関へ届出、資産の現金化等を伴い書類提出後2〜3か月程度が目安。手数料は各機関の条件を別確認。",
          "source_ids": [
            "rl-ideco-faq"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-faq",
              "locator": "sources/retirement_learning/ideco-faq.txt:L161-163",
              "quote": "運営管理機関は変更できますか。\n運営管理機関の変更は可能です。変更先となる新しい運営管理機関から「加入者等運営管理機関変更届 (\nK-004"
            },
            {
              "source_id": "rl-ideco-faq",
              "locator": "sources/retirement_learning/ideco-faq.txt:L165-165",
              "quote": "ただし、運営管理機関の変更に伴い、運用している商品を現金化するなど、資産・記録の移換処理の完了までに、書類提出後2～3ヵ月程度の期間を要しますので、ご留意ください。"
            }
          ],
          "reason": null
        },
        "withdrawal": {
          "state": "conditional",
          "value": "原則として60歳以降の受給年齢まで引き出せない。通算加入者等期間等により開始年齢が異なる。障害・死亡給付等の例外あり。",
          "source_ids": [
            "rl-ideco-guide"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-guide",
              "locator": "sources/retirement_learning/ideco-guide.txt:L80-82",
              "quote": "○ iDeCoは、老後の資産形成を目的とした年金制度であるからこそ、税制の優遇が行われることになっています。\n○ このため、原則として60歳にならないと個人別管理資産(拠出した掛金とその運用益）を引き出すことができません。\n○ また、"
            },
            {
              "source_id": "rl-ideco-guide",
              "locator": "sources/retirement_learning/ideco-guide.txt:L86-86",
              "quote": "○ ただし、iDeCo加入者等が一定以上の障害状態になった場合や加入者等が死亡した場合は、60歳前でも、障害給付金や死亡一時金を受給できます。"
            }
          ],
          "reason": null
        }
      },
      "source_ids": [
        "rl-sbi-ideco-top",
        "rl-ideco-structure",
        "rl-ideco-guide",
        "rl-ideco-faq",
        "nagi26-investing-sbi-fee",
        "nagi26-investing-sbi-about",
        "nagi26-investing-ideco-fee-change-web"
      ],
      "notes": [
        "セレクトプランの口座サービス。運用商品そのものを独立候補として混ぜない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [
        {
          "id": "initial-registration",
          "state": "conditional",
          "subject": "国民年金基金連合会への加入・移換時手数料",
          "necessity": "required",
          "amount_yen": 2829,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "新規加入・企業年金移換1回",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "新規加入・企業型DC/DB等からの移換時の連合会費用。他社iDeCoからの移換受付で新規加入料を二重加算しない。",
          "source_ids": [
            "nagi26-investing-sbi-fee"
          ],
          "evidence": [
            {
              "source_id": "nagi26-investing-sbi-fee",
              "locator": "sources/nagi26-investing-sbi-fee.txt",
              "quote": "2,829円"
            }
          ]
        },
        {
          "id": "contribution-collection",
          "state": "conditional",
          "subject": "国民年金基金連合会への掛金収納手数料",
          "necessity": "required",
          "amount_yen": 105,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "収納1回",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "現行は掛金収納1回につき105円。掛金がない月は徴収なし。2027年1月26日引落分から拠出期間1月あたり120円へ変更し、年単位拠出は120円×拠出月数。",
          "source_ids": [
            "nagi26-investing-sbi-fee"
          ],
          "evidence": [
            {
              "source_id": "nagi26-investing-sbi-fee",
              "locator": "sources/nagi26-investing-sbi-fee.txt",
              "quote": "105円※1（収納1回あたり）"
            }
          ]
        },
        {
          "id": "custody",
          "state": "conditional",
          "subject": "事務委託先金融機関の資産管理手数料",
          "necessity": "required",
          "amount_yen": 66,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "月",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "日本カストディ銀行の月額費用。拠出しない加入者・運用指図者も対象。運営管理料0円とは別。",
          "source_ids": [
            "nagi26-investing-sbi-fee"
          ],
          "evidence": [
            {
              "source_id": "nagi26-investing-sbi-fee",
              "locator": "sources/nagi26-investing-sbi-fee.txt",
              "quote": "66円※3（月額）"
            }
          ]
        },
        {
          "id": "administrator",
          "state": "verified",
          "subject": "運営管理機関手数料",
          "necessity": "required",
          "amount_yen": 0,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "月",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "運営管理機関の費用。国民年金基金連合会等の費用は別。",
          "source_ids": [
            "rl-sbi-ideco-top"
          ],
          "evidence": [
            {
              "source_id": "rl-sbi-ideco-top",
              "locator": "sources/retirement_learning/sbi-ideco-top.txt:L149-151",
              "quote": "＼手数料が無料／\n運営管理手数料が無料！\n口座開設手数料"
            }
          ]
        },
        {
          "id": "fund-expenses",
          "state": "unknown",
          "subject": "投資信託の信託報酬等",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "保有資産・商品ごと",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": null,
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "transfer-out",
          "state": "conditional",
          "subject": "他機関への移換手数料",
          "necessity": "required",
          "amount_yen": 4400,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "他機関移換1回",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "SBIから他機関へ移換する場合。資産が4,400円未満なら残高全額を充当して精算。",
          "source_ids": [
            "nagi26-investing-sbi-fee"
          ],
          "evidence": [
            {
              "source_id": "nagi26-investing-sbi-fee",
              "locator": "sources/nagi26-investing-sbi-fee.txt",
              "quote": "iDeCoの残高が4,400円に満たない場合"
            }
          ]
        },
        {
          "id": "benefit-payment",
          "state": "unknown",
          "subject": "給付手数料",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "給付1回",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": null,
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "refund",
          "state": "unknown",
          "subject": "掛金還付手数料",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "還付1回",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": null,
          "source_ids": [],
          "evidence": []
        }
      ],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "mizuho-ideco",
      "provider_id": "mizuho-bank",
      "provider_name": "株式会社みずほ銀行",
      "brand_id": "mizuho-bank",
      "name": "みずほのiDeCo",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://www.mizuhobank.co.jp/retail/products/ideco/index.html",
      "identity_status": "verified",
      "availability_status": "unconfirmed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "ideco_administrator"
            }
          },
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L34-36",
              "quote": "営業時間\n株式会社みずほ銀行\nみずほのiDeCo"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        }
      },
      "source_ids": [
        "rl-jist-plans"
      ],
      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "rakuten-ideco",
      "provider_id": "rakuten-securities",
      "provider_name": "楽天証券株式会社",
      "brand_id": "rakuten-securities",
      "name": "楽天証券株式会社 iDeCo",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://dc.rakuten-sec.co.jp/",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "conditional",
          "value": "掛金の拠出停止は可能でも、年金資産の自由な解約払戻しとは異なる。脱退一時金は一定要件をすべて満たす場合に限定。",
          "source_ids": [
            "rl-ideco-structure",
            "rl-ideco-faq"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L121-123",
              "quote": "※2\nいつでも掛金の拠出を止めることができます。\n※3"
            },
            {
              "source_id": "rl-ideco-faq",
              "locator": "sources/retirement_learning/ideco-faq.txt:L113-115",
              "quote": "掛金の拠出の継続を希望されない場合は、iDeCoの加入者資格を喪失する手続きを行い、「運用指図者」として、それまでの積立金の運用を継続いただく必要があります。\nなお、例外として、脱退一時金の給付がありますが、国民年金の保険料免除者になるなどの一定の要件を全て満たした場合に限られます。\n運用指図者とは何のことですか。"
            }
          ],
          "reason": null
        },
        "effective": {
          "state": "conditional",
          "value": {
            "現行": "2026年11月分までの収納手数料105円/納付1回",
            "改定後": "2026年12月分（2027年1月26日引落分）以降120円/拠出対象月",
            "注意": "年単位拠出も対象月数で計算。取得日に全契約を切替えない。"
          },
          "source_ids": [
            "rl-rakuten-ideco-fee"
          ],
          "evidence": [
            {
              "source_id": "rl-rakuten-ideco-fee",
              "locator": "sources/retirement_learning/rakuten-ideco-fee.txt:L85-87",
              "quote": "拠出区分が「月ごとに金額を指定し拠出する」場合、収納回数に応じて手数料が異なります。\n2026年11月分（2026年12月28日引落分）まで：納付（収納）回数に応じて1回につき105円がかかります。\n2026年12月分（2027年1月26日引落分）以降：拠出月数（収納回数にかかわらず、掛金を拠出する対象月数）に応じて、月額120円がかかります。そのため、年単位拠出（月別掛金）を選択している方も、拠出月数に応じた手数料（120円×月数）がかかります。"
            },
            {
              "source_id": "rl-rakuten-ideco-fee",
              "locator": "sources/retirement_learning/rakuten-ideco-fee.txt:L87-87",
              "quote": "2026年12月分（2027年1月26日引落分）以降：拠出月数（収納回数にかかわらず、掛金を拠出する対象月数）に応じて、月額120円がかかります。そのため、年単位拠出（月別掛金）を選択している方も、拠出月数に応じた手数料（120円×月数）がかかります。"
            }
          ],
          "reason": null
        },
        "eligibility": {
          "state": "conditional",
          "value": "制度上は国民年金の第1〜第3号・任意加入被保険者等が対象。保険料免除、マッチング拠出、受給歴等による除外あり。個別運営機関の居住要件・受付判断は別確認。",
          "source_ids": [
            "rl-ideco-structure"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L54-57",
              "quote": "〇iDeCoに加入いただける方は、公的年金制度の以下の被保険者種別に当てはまる方になります。\n国民年金の第１号被保険者\n①\n20歳以上60歳未満の自営業者とその家族、フリーランス、学生の方"
            },
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L78-84",
              "quote": "65歳以上の厚生年金被保険者で、加入期間が120月以上の方（老齢年金の受給権がある方）は国民年金の第２号被保険者ではありません。\n※\n以下のどれかに当てはまる方は加入対象となりません。\n・\nお勤め先で企業型確定拠出年金に加入している方で、事業主掛金を各月単位ではなく、年単位で拠出している方。\n・\nお勤め先で企業型確定拠出年金に加入している方で、事業主掛金に上乗せしてマッチング拠出（注）をしている方。"
            }
          ],
          "reason": "国内居住だけで加入可とは判定しない。2026年12月改正を先取りしない。"
        },
        "fees": {
          "state": "conditional",
          "value": "新規加入等2,829円、運営管理手数料0円、信託銀行66円/月、現行掛金収納105円（条件あり）。移換4,400円、給付440円/回。商品費用・還付等は別。",
          "source_ids": [
            "rl-rakuten-ideco-fee"
          ],
          "evidence": [
            {
              "source_id": "rl-rakuten-ideco-fee",
              "locator": "sources/retirement_learning/rakuten-ideco-fee.txt:L63-65",
              "quote": "国民年金基金連合会\n2,829円\n以下は毎月発生する費用です。"
            },
            {
              "source_id": "rl-rakuten-ideco-fee",
              "locator": "sources/retirement_learning/rakuten-ideco-fee.txt:L79-81",
              "quote": "信託銀行\n66円／月\n合計"
            },
            {
              "source_id": "rl-rakuten-ideco-fee",
              "locator": "sources/retirement_learning/rakuten-ideco-fee.txt:L124-126",
              "quote": "楽天証券\n4,400円\niDeCo加入・移換申込み"
            }
          ],
          "reason": null
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "learning_contract": {
          "state": "not_applicable",
          "value": "この行はiDeCo運営管理サービス。独立した有料学習講座契約は比較対象外。",
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L47-49",
              "quote": "を閲覧\n楽天証券株式会社\nキャンペーン実施中！"
            }
          ],
          "reason": "運用商品と学習契約を混同しない。"
        },
        "minimum": {
          "state": "conditional",
          "value": {
            "掛金最低額（円/月）": 5000,
            "変更単位（円）": 1000,
            "注意": "拠出元本であり手数料ではない。区分別上限・資格条件が別にある。"
          },
          "source_ids": [
            "rl-ideco-structure"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L114-116",
              "quote": "掛金は少額から自分で決められる！\n○ iDeCoは月々5,000円から始められ、掛金額を1,000円単位で自由に設定できます。\n○ 資金に余裕のない方でも、ご自身のライフスタイルに合わせた無理のない負担で老後に備えることができます。"
            }
          ],
          "reason": null
        },
        "nisa_scope": {
          "state": "not_applicable",
          "value": "iDeCo運営管理サービスであり、NISA口座としての非課税枠を扱う契約ではない。",
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L47-49",
              "quote": "を閲覧\n楽天証券株式会社\nキャンペーン実施中！"
            }
          ],
          "reason": "サービス型の区別。別のNISA口座サービスの提供有無は意味しない。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "ideco_administrator"
            }
          },
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L47-49",
              "quote": "を閲覧\n楽天証券株式会社\nキャンペーン実施中！"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "conditional",
          "value": "運営管理機関が提示する商品の中から配分を選択。掛金額の変更は原則年1回、企業年金加入者・公務員には毎月定額拠出等の制限。",
          "source_ids": [
            "rl-ideco-structure"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L125-127",
              "quote": "iDeCoの運用について\n○ 運営管理機関が選定する運用商品の中から、自由に組み合わせて運用します。\n○ 運用に当たっては、自分の運用方針（許容するリスクのレベル感や目標利回りなど）を定めたうえで、運用商品を選びます。"
            },
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L119-121",
              "quote": "※1\n掛金額は、1年（12月分の掛金から翌年11月分の掛金の間）に1回限り変更することができます。\n※2"
            }
          ],
          "reason": null
        },
        "transfer": {
          "state": "conditional",
          "value": "運営管理機関の変更は可能。新機関へ届出、資産の現金化等を伴い書類提出後2〜3か月程度が目安。手数料は各機関の条件を別確認。 この機関からの移換費用は4,400円（税込）。",
          "source_ids": [
            "rl-ideco-faq",
            "rl-rakuten-ideco-fee"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-faq",
              "locator": "sources/retirement_learning/ideco-faq.txt:L161-163",
              "quote": "運営管理機関は変更できますか。\n運営管理機関の変更は可能です。変更先となる新しい運営管理機関から「加入者等運営管理機関変更届 (\nK-004"
            },
            {
              "source_id": "rl-ideco-faq",
              "locator": "sources/retirement_learning/ideco-faq.txt:L165-165",
              "quote": "ただし、運営管理機関の変更に伴い、運用している商品を現金化するなど、資産・記録の移換処理の完了までに、書類提出後2～3ヵ月程度の期間を要しますので、ご留意ください。"
            },
            {
              "source_id": "rl-rakuten-ideco-fee",
              "locator": "sources/retirement_learning/rakuten-ideco-fee.txt:L124-126",
              "quote": "楽天証券\n4,400円\niDeCo加入・移換申込み"
            }
          ],
          "reason": null
        },
        "withdrawal": {
          "state": "conditional",
          "value": "原則として60歳以降の受給年齢まで引き出せない。通算加入者等期間等により開始年齢が異なる。障害・死亡給付等の例外あり。",
          "source_ids": [
            "rl-ideco-guide"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-guide",
              "locator": "sources/retirement_learning/ideco-guide.txt:L80-82",
              "quote": "○ iDeCoは、老後の資産形成を目的とした年金制度であるからこそ、税制の優遇が行われることになっています。\n○ このため、原則として60歳にならないと個人別管理資産(拠出した掛金とその運用益）を引き出すことができません。\n○ また、"
            },
            {
              "source_id": "rl-ideco-guide",
              "locator": "sources/retirement_learning/ideco-guide.txt:L86-86",
              "quote": "○ ただし、iDeCo加入者等が一定以上の障害状態になった場合や加入者等が死亡した場合は、60歳前でも、障害給付金や死亡一時金を受給できます。"
            }
          ],
          "reason": null
        }
      },
      "source_ids": [
        "rl-jist-plans",
        "rl-ideco-structure",
        "rl-rakuten-ideco-fee",
        "rl-ideco-guide",
        "rl-ideco-faq"
      ],
      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [
        {
          "id": "initial-registration",
          "state": "conditional",
          "subject": "国民年金基金連合会への加入・移換時手数料",
          "necessity": "required",
          "amount_yen": 2829,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "加入・企業年金移換1回",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "国民年金基金連合会。企業型等からの移換・新規加入の条件。",
          "source_ids": [
            "rl-rakuten-ideco-fee"
          ],
          "evidence": [
            {
              "source_id": "rl-rakuten-ideco-fee",
              "locator": "sources/retirement_learning/rakuten-ideco-fee.txt:L63-65",
              "quote": "国民年金基金連合会\n2,829円\n以下は毎月発生する費用です。"
            }
          ]
        },
        {
          "id": "contribution-collection",
          "state": "conditional",
          "subject": "国民年金基金連合会への掛金収納手数料",
          "necessity": "required",
          "amount_yen": 105,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "納付1回",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": {
            "current_until_contribution_month": "2026-11",
            "current_unit": "納付1回",
            "future": {
              "from_contribution_month": "2026-12",
              "first_debit_date": "2027-01-26",
              "amount_yen": 120,
              "unit": "拠出対象月"
            }
          },
          "source_ids": [
            "rl-rakuten-ideco-fee"
          ],
          "evidence": [
            {
              "source_id": "rl-rakuten-ideco-fee",
              "locator": "sources/retirement_learning/rakuten-ideco-fee.txt:L70-72",
              "quote": "国民年金基金連合会\n105円／月\n※2"
            }
          ]
        },
        {
          "id": "custody",
          "state": "conditional",
          "subject": "事務委託先金融機関の資産管理手数料",
          "necessity": "required",
          "amount_yen": 66,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "月",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "加入者・運用指図者。信託銀行への費用。",
          "source_ids": [
            "rl-rakuten-ideco-fee"
          ],
          "evidence": [
            {
              "source_id": "rl-rakuten-ideco-fee",
              "locator": "sources/retirement_learning/rakuten-ideco-fee.txt:L79-81",
              "quote": "信託銀行\n66円／月\n合計"
            }
          ]
        },
        {
          "id": "administrator",
          "state": "verified",
          "subject": "運営管理機関手数料",
          "necessity": "required",
          "amount_yen": 0,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "月",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "運営管理機関の費用。他の費用は別。",
          "source_ids": [
            "rl-rakuten-ideco-fee"
          ],
          "evidence": [
            {
              "source_id": "rl-rakuten-ideco-fee",
              "locator": "sources/retirement_learning/rakuten-ideco-fee.txt:L77-79",
              "quote": "※1\n残高、積立額、期間にかかわらず、条件なしで誰でも無料\n信託銀行"
            }
          ]
        },
        {
          "id": "fund-expenses",
          "state": "unknown",
          "subject": "投資信託の信託報酬等",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "保有資産・商品ごと",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": null,
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "transfer-out",
          "state": "conditional",
          "subject": "他機関への移換手数料",
          "necessity": "required",
          "amount_yen": 4400,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "移換1回",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "他の金融機関等へ移換するとき。",
          "source_ids": [
            "rl-rakuten-ideco-fee"
          ],
          "evidence": [
            {
              "source_id": "rl-rakuten-ideco-fee",
              "locator": "sources/retirement_learning/rakuten-ideco-fee.txt:L124-126",
              "quote": "楽天証券\n4,400円\niDeCo加入・移換申込み"
            }
          ]
        },
        {
          "id": "benefit-payment",
          "state": "conditional",
          "subject": "給付手数料",
          "necessity": "required",
          "amount_yen": 440,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "給付1回",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "給付時の信託銀行手数料。",
          "source_ids": [
            "rl-rakuten-ideco-fee"
          ],
          "evidence": [
            {
              "source_id": "rl-rakuten-ideco-fee",
              "locator": "sources/retirement_learning/rakuten-ideco-fee.txt:L108-110",
              "quote": "信託銀行\n440円／1回\n還付手数料（税込）"
            }
          ]
        },
        {
          "id": "refund",
          "state": "unknown",
          "subject": "掛金還付手数料",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "還付1回",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": null,
          "source_ids": [],
          "evidence": []
        }
      ],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "nomura-ideco",
      "provider_id": "nomura-securities",
      "provider_name": "野村證券株式会社",
      "brand_id": "nomura-securities",
      "name": "野村のiDeCo",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://dc.nomura.co.jp/",
      "identity_status": "verified",
      "availability_status": "unconfirmed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "ideco_administrator"
            }
          },
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L60-62",
              "quote": "を閲覧\n野村證券株式会社\n野村のiDeCo"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        }
      },
      "source_ids": [
        "rl-jist-plans"
      ],
      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "daiichi-ideco",
      "provider_id": "daiichi-life",
      "provider_name": "第一生命保険株式会社",
      "brand_id": "daiichi-life",
      "name": "第一生命保険株式会社 iDeCo",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://selfs.dai-ichi-life.co.jp/dc/personal/",
      "identity_status": "verified",
      "availability_status": "unconfirmed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "ideco_administrator"
            }
          },
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L84-86",
              "quote": "を閲覧\n第一生命保険株式会社\nキャンペーン実施中！ 詳細は右のPDF参照⇒"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        }
      },
      "source_ids": [
        "rl-jist-plans"
      ],
      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "smtb-ideco",
      "provider_id": "sumitomo-mitsui-trust-bank",
      "provider_name": "三井住友信託銀行株式会社",
      "brand_id": "sumitomo-mitsui-trust-bank",
      "name": "三井住友信託個人型ＤＣプランＳ",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://dc-ss.smtb.jp/ideco_contents/index.html",
      "identity_status": "verified",
      "availability_status": "unconfirmed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "ideco_administrator"
            }
          },
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L95-97",
              "quote": "を閲覧\n三井住友信託銀行株式会社\n三井住友信託個人型ＤＣプランＳ"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        }
      },
      "source_ids": [
        "rl-jist-plans"
      ],
      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "chuo-rokin-ideco",
      "provider_id": "chuo-rokin",
      "provider_name": "中央労働金庫",
      "brand_id": "chuo-rokin",
      "name": "中央ろうきんiDeCo(個人型年金プラン)",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://chuo.rokin.com/banking/assets/ideco/",
      "identity_status": "verified",
      "availability_status": "unconfirmed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "ideco_administrator"
            }
          },
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L104-106",
              "quote": "祝日および12/31～1/3を除く\n中央労働金庫\n中央ろうきんiDeCo(個人型年金プラン)"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        }
      },
      "source_ids": [
        "rl-jist-plans"
      ],
      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "aeon-bank-ideco",
      "provider_id": "aeon-bank",
      "provider_name": "株式会社イオン銀行",
      "brand_id": "aeon-bank",
      "name": "イオン銀行 ｉＤｅＣｏ",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://www.aeonbank.co.jp/ideco/",
      "identity_status": "verified",
      "availability_status": "unconfirmed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "ideco_administrator"
            }
          },
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L115-117",
              "quote": "を閲覧\n株式会社イオン銀行\nイオン銀行 ｉＤｅＣｏ"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        }
      },
      "source_ids": [
        "rl-jist-plans"
      ],
      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "monex-ideco",
      "provider_id": "monex",
      "provider_name": "マネックス証券株式会社",
      "brand_id": "monex",
      "name": "マネックスのｉＤｅＣｏ",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://info.monex.co.jp/ideco/",
      "identity_status": "verified",
      "availability_status": "unconfirmed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "conditional",
          "value": "掛金の拠出停止は可能でも、年金資産の自由な解約払戻しとは異なる。脱退一時金は一定要件をすべて満たす場合に限定。",
          "source_ids": [
            "rl-ideco-structure",
            "rl-ideco-faq"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L121-123",
              "quote": "※2\nいつでも掛金の拠出を止めることができます。\n※3"
            },
            {
              "source_id": "rl-ideco-faq",
              "locator": "sources/retirement_learning/ideco-faq.txt:L113-115",
              "quote": "掛金の拠出の継続を希望されない場合は、iDeCoの加入者資格を喪失する手続きを行い、「運用指図者」として、それまでの積立金の運用を継続いただく必要があります。\nなお、例外として、脱退一時金の給付がありますが、国民年金の保険料免除者になるなどの一定の要件を全て満たした場合に限られます。\n運用指図者とは何のことですか。"
            }
          ],
          "reason": null
        },
        "effective": {
          "state": "conditional",
          "value": "連合会手数料を2027年1月26日口座引落分から105円/掛金拠出時→120円/拠出対象月に改定。年単位拠出は120円×拠出月数。加入者の手続き不要。マネックス運営管理0円は継続。",
          "source_ids": [
            "nagi26-investing-monex-future-web"
          ],
          "evidence": [
            {
              "source_id": "nagi26-investing-monex-future-web",
              "locator": "sources/nagi26-investing-monex-future-web.txt",
              "quote": "令和9（2027）年1月26日"
            }
          ],
          "reason": "項目別料金と適用時点を補完。制度加入資格・受給制限・商品費用は別。"
        },
        "eligibility": {
          "state": "conditional",
          "value": "制度上は国民年金の第1〜第3号・任意加入被保険者等が対象。保険料免除、マッチング拠出、受給歴等による除外あり。個別運営機関の居住要件・受付判断は別確認。",
          "source_ids": [
            "rl-ideco-structure"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L54-57",
              "quote": "〇iDeCoに加入いただける方は、公的年金制度の以下の被保険者種別に当てはまる方になります。\n国民年金の第１号被保険者\n①\n20歳以上60歳未満の自営業者とその家族、フリーランス、学生の方"
            },
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L78-84",
              "quote": "65歳以上の厚生年金被保険者で、加入期間が120月以上の方（老齢年金の受給権がある方）は国民年金の第２号被保険者ではありません。\n※\n以下のどれかに当てはまる方は加入対象となりません。\n・\nお勤め先で企業型確定拠出年金に加入している方で、事業主掛金を各月単位ではなく、年単位で拠出している方。\n・\nお勤め先で企業型確定拠出年金に加入している方で、事業主掛金に上乗せしてマッチング拠出（注）をしている方。"
            }
          ],
          "reason": "国内居住だけで加入可とは判定しない。2026年12月改正を先取りしない。"
        },
        "fees": {
          "state": "conditional",
          "value": "新規加入/企業型DC移換2,829円、マネックス運営管理0円、信託銀行66円/月、現行連合会105円/収納。給付440円/回、還付は連合会1,048円＋信託銀行440円/回、他機関移換4,400円。2027年1月26日引落分から連合会120円/拠出対象月。商品費用は別。",
          "source_ids": [
            "nagi26-investing-monex-fee-web"
          ],
          "evidence": [
            {
              "source_id": "nagi26-investing-monex-fee-web",
              "locator": "sources/nagi26-investing-monex-fee-web.txt",
              "quote": "1,048円／回"
            }
          ],
          "reason": "項目別料金と適用時点を補完。制度加入資格・受給制限・商品費用は別。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "learning_contract": {
          "state": "not_applicable",
          "value": "この行はiDeCo運営管理サービス。独立した有料学習講座契約は比較対象外。",
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L139-141",
              "quote": "を閲覧\nマネックス証券株式会社\nマネックスのｉＤｅＣｏ"
            }
          ],
          "reason": "運用商品と学習契約を混同しない。"
        },
        "minimum": {
          "state": "conditional",
          "value": {
            "掛金最低額（円/月）": 5000,
            "変更単位（円）": 1000,
            "注意": "拠出元本であり手数料ではない。区分別上限・資格条件が別にある。"
          },
          "source_ids": [
            "rl-ideco-structure"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L114-116",
              "quote": "掛金は少額から自分で決められる！\n○ iDeCoは月々5,000円から始められ、掛金額を1,000円単位で自由に設定できます。\n○ 資金に余裕のない方でも、ご自身のライフスタイルに合わせた無理のない負担で老後に備えることができます。"
            }
          ],
          "reason": null
        },
        "nisa_scope": {
          "state": "not_applicable",
          "value": "iDeCo運営管理サービスであり、NISA口座としての非課税枠を扱う契約ではない。",
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L139-141",
              "quote": "を閲覧\nマネックス証券株式会社\nマネックスのｉＤｅＣｏ"
            }
          ],
          "reason": "サービス型の区別。別のNISA口座サービスの提供有無は意味しない。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "ideco_administrator"
            }
          },
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L139-141",
              "quote": "を閲覧\nマネックス証券株式会社\nマネックスのｉＤｅＣｏ"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "conditional",
          "value": "運営管理機関が提示する商品の中から配分を選択。掛金額の変更は原則年1回、企業年金加入者・公務員には毎月定額拠出等の制限。",
          "source_ids": [
            "rl-ideco-structure"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L125-127",
              "quote": "iDeCoの運用について\n○ 運営管理機関が選定する運用商品の中から、自由に組み合わせて運用します。\n○ 運用に当たっては、自分の運用方針（許容するリスクのレベル感や目標利回りなど）を定めたうえで、運用商品を選びます。"
            },
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L119-121",
              "quote": "※1\n掛金額は、1年（12月分の掛金から翌年11月分の掛金の間）に1回限り変更することができます。\n※2"
            }
          ],
          "reason": null
        },
        "transfer": {
          "state": "conditional",
          "value": "運営管理機関の変更は可能。新機関へ届出、資産の現金化等を伴い書類提出後2〜3か月程度が目安。手数料は各機関の条件を別確認。",
          "source_ids": [
            "rl-ideco-faq"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-faq",
              "locator": "sources/retirement_learning/ideco-faq.txt:L161-163",
              "quote": "運営管理機関は変更できますか。\n運営管理機関の変更は可能です。変更先となる新しい運営管理機関から「加入者等運営管理機関変更届 (\nK-004"
            },
            {
              "source_id": "rl-ideco-faq",
              "locator": "sources/retirement_learning/ideco-faq.txt:L165-165",
              "quote": "ただし、運営管理機関の変更に伴い、運用している商品を現金化するなど、資産・記録の移換処理の完了までに、書類提出後2～3ヵ月程度の期間を要しますので、ご留意ください。"
            }
          ],
          "reason": null
        },
        "withdrawal": {
          "state": "conditional",
          "value": "原則として60歳以降の受給年齢まで引き出せない。通算加入者等期間等により開始年齢が異なる。障害・死亡給付等の例外あり。",
          "source_ids": [
            "rl-ideco-guide"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-guide",
              "locator": "sources/retirement_learning/ideco-guide.txt:L80-82",
              "quote": "○ iDeCoは、老後の資産形成を目的とした年金制度であるからこそ、税制の優遇が行われることになっています。\n○ このため、原則として60歳にならないと個人別管理資産(拠出した掛金とその運用益）を引き出すことができません。\n○ また、"
            },
            {
              "source_id": "rl-ideco-guide",
              "locator": "sources/retirement_learning/ideco-guide.txt:L86-86",
              "quote": "○ ただし、iDeCo加入者等が一定以上の障害状態になった場合や加入者等が死亡した場合は、60歳前でも、障害給付金や死亡一時金を受給できます。"
            }
          ],
          "reason": null
        }
      },
      "source_ids": [
        "rl-jist-plans",
        "rl-ideco-structure",
        "rl-ideco-guide",
        "rl-ideco-faq",
        "nagi26-investing-monex-fee-web",
        "nagi26-investing-dcnenkin-compare",
        "nagi26-investing-monex-future-web",
        "nagi26-investing-ideco-fee-change-web"
      ],
      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。",
        "同URLの直接取得は403。個別条件はその本文を根拠にせず、JIS\u0026T公式一覧の同定と制度一般情報に限定。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [
        {
          "id": "initial-registration",
          "state": "conditional",
          "subject": "国民年金基金連合会への加入・移換時手数料",
          "necessity": "required",
          "amount_yen": 2829,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "新規加入・企業型DC移換1回",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "新規加入または企業型DCからの移換時。連合会へ支払う初期手数料。",
          "source_ids": [
            "nagi26-investing-monex-fee-web"
          ],
          "evidence": [
            {
              "source_id": "nagi26-investing-monex-fee-web",
              "locator": "sources/nagi26-investing-monex-fee-web.txt",
              "quote": "2,829円"
            }
          ]
        },
        {
          "id": "contribution-collection",
          "state": "conditional",
          "subject": "国民年金基金連合会への掛金収納手数料",
          "necessity": "required",
          "amount_yen": 105,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "収納1回",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "現行は掛金拠出時105円。毎月拠出の表記は105円/月。2027年1月26日引落分から120円/拠出対象月、年単位拠出は120円×月数へ改定。",
          "source_ids": [
            "nagi26-investing-monex-fee-web"
          ],
          "evidence": [
            {
              "source_id": "nagi26-investing-monex-fee-web",
              "locator": "sources/nagi26-investing-monex-fee-web.txt",
              "quote": "105円／月"
            }
          ]
        },
        {
          "id": "custody",
          "state": "conditional",
          "subject": "事務委託先金融機関の資産管理手数料",
          "necessity": "required",
          "amount_yen": 66,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "月",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "掛金を積み立てる加入者・積み立てない運用指図者とも信託銀行へ66円/月。",
          "source_ids": [
            "nagi26-investing-monex-fee-web"
          ],
          "evidence": [
            {
              "source_id": "nagi26-investing-monex-fee-web",
              "locator": "sources/nagi26-investing-monex-fee-web.txt",
              "quote": "66円／月"
            }
          ]
        },
        {
          "id": "administrator",
          "state": "conditional",
          "subject": "運営管理機関手数料",
          "necessity": "required",
          "amount_yen": 0,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "月",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "マネックス証券へ支払う運営管理手数料は0円。国民年金基金連合会・信託銀行・商品費用を含む総額ではない。",
          "source_ids": [
            "nagi26-investing-monex-fee-web"
          ],
          "evidence": [
            {
              "source_id": "nagi26-investing-monex-fee-web",
              "locator": "sources/nagi26-investing-monex-fee-web.txt",
              "quote": "0円／月"
            }
          ]
        },
        {
          "id": "fund-expenses",
          "state": "unknown",
          "subject": "投資信託の信託報酬等",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "保有資産・商品ごと",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": null,
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "transfer-out",
          "state": "conditional",
          "subject": "他機関への移換手数料",
          "necessity": "required",
          "amount_yen": 4400,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "他機関移換1回",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "マネックスから他の金融機関、または企業型DCへ移換する場合。",
          "source_ids": [
            "nagi26-investing-monex-fee-web"
          ],
          "evidence": [
            {
              "source_id": "nagi26-investing-monex-fee-web",
              "locator": "sources/nagi26-investing-monex-fee-web.txt",
              "quote": "4,400円"
            }
          ]
        },
        {
          "id": "benefit-payment",
          "state": "unknown",
          "subject": "給付手数料",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "給付1回",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": null,
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "refund",
          "state": "unknown",
          "subject": "掛金還付手数料",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "還付1回",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": null,
          "source_ids": [],
          "evidence": []
        }
      ],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "kinki-rokin-ideco",
      "provider_id": "kinki-rokin",
      "provider_name": "近畿労働金庫",
      "brand_id": "kinki-rokin",
      "name": "近畿ろうきんiDeCo(個人型年金プラン)",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://rokin-ideco.com/kinki/index.html",
      "identity_status": "verified",
      "availability_status": "unconfirmed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "ideco_administrator"
            }
          },
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L150-152",
              "quote": "を閲覧\n近畿労働金庫\n近畿ろうきんiDeCo(個人型年金プラン)"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        }
      },
      "source_ids": [
        "rl-jist-plans"
      ],
      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "matsui-ideco",
      "provider_id": "matsui",
      "provider_name": "松井証券株式会社",
      "brand_id": "matsui",
      "name": "松井証券株式会社 iDeCo",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://www.matsui.co.jp/ideco/",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "conditional",
          "value": "掛金の拠出停止は可能でも、年金資産の自由な解約払戻しとは異なる。脱退一時金は一定要件をすべて満たす場合に限定。",
          "source_ids": [
            "rl-ideco-structure",
            "rl-ideco-faq"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L121-123",
              "quote": "※2\nいつでも掛金の拠出を止めることができます。\n※3"
            },
            {
              "source_id": "rl-ideco-faq",
              "locator": "sources/retirement_learning/ideco-faq.txt:L113-115",
              "quote": "掛金の拠出の継続を希望されない場合は、iDeCoの加入者資格を喪失する手続きを行い、「運用指図者」として、それまでの積立金の運用を継続いただく必要があります。\nなお、例外として、脱退一時金の給付がありますが、国民年金の保険料免除者になるなどの一定の要件を全て満たした場合に限られます。\n運用指図者とは何のことですか。"
            }
          ],
          "reason": null
        },
        "effective": {
          "state": "conditional",
          "value": "国民年金基金連合会の制度共通手数料は2027年1月26日口座引落分から105円/掛金拠出時→120円/拠出対象月。年単位拠出は120円×拠出月数。松井の現行料金表は105円/月・小計171円/月の表記であり、現行値と制度改定を区別する。",
          "source_ids": [
            "nagi26-investing-ideco-fee-change-web"
          ],
          "evidence": [
            {
              "source_id": "nagi26-investing-ideco-fee-change-web",
              "locator": "sources/nagi26-investing-ideco-fee-change-web.txt",
              "quote": "120 円（月額）"
            }
          ],
          "reason": "項目別料金と適用時点を補完。制度加入資格・受給制限・商品費用は別。"
        },
        "eligibility": {
          "state": "conditional",
          "value": "制度上は国民年金の第1〜第3号・任意加入被保険者等が対象。保険料免除、マッチング拠出、受給歴等による除外あり。個別運営機関の居住要件・受付判断は別確認。",
          "source_ids": [
            "rl-ideco-structure"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L54-57",
              "quote": "〇iDeCoに加入いただける方は、公的年金制度の以下の被保険者種別に当てはまる方になります。\n国民年金の第１号被保険者\n①\n20歳以上60歳未満の自営業者とその家族、フリーランス、学生の方"
            },
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L78-84",
              "quote": "65歳以上の厚生年金被保険者で、加入期間が120月以上の方（老齢年金の受給権がある方）は国民年金の第２号被保険者ではありません。\n※\n以下のどれかに当てはまる方は加入対象となりません。\n・\nお勤め先で企業型確定拠出年金に加入している方で、事業主掛金を各月単位ではなく、年単位で拠出している方。\n・\nお勤め先で企業型確定拠出年金に加入している方で、事業主掛金に上乗せしてマッチング拠出（注）をしている方。"
            }
          ],
          "reason": "国内居住だけで加入可とは判定しない。2026年12月改正を先取りしない。"
        },
        "fees": {
          "state": "conditional",
          "value": "新規加入/企業年金移換2,829円、松井運営管理0円、信託銀行66円/月、現行連合会105円/収納（毎月拠出なら管理費小計171円/月）。移換4,400円、給付440円/回、還付1,488円/回。連合会は2027年1月26日引落分から120円/拠出対象月へ改定するため、現行171円を将来へ固定延長しない。商品費用は別。",
          "source_ids": [
            "nagi26-investing-matsui-fee"
          ],
          "evidence": [
            {
              "source_id": "nagi26-investing-matsui-fee",
              "locator": "sources/nagi26-investing-matsui-fee.txt",
              "quote": "1,488円／1回"
            }
          ],
          "reason": "項目別料金と適用時点を補完。制度加入資格・受給制限・商品費用は別。"
        },
        "instruments": {
          "state": "conditional",
          "value": "投資信託および元本確保型の定期預金を案内。全商品の現行条件・信託報酬の照合は未完了。",
          "source_ids": [
            "rl-matsui-ideco-products"
          ],
          "evidence": [
            {
              "source_id": "rl-matsui-ideco-products",
              "locator": "sources/retirement_learning/matsui-ideco-products.txt:L80-82",
              "quote": "ターゲットイヤー型\n元本確保型商品\nバランス型"
            },
            {
              "source_id": "rl-matsui-ideco-products",
              "locator": "sources/retirement_learning/matsui-ideco-products.txt:L446-448",
              "quote": "元本確保型商品\nみずほDC定期預金1年定期\nJIS\u0026T登録略称名：みずほDC定期預金(1年)"
            }
          ],
          "reason": null
        },
        "learning_contract": {
          "state": "not_applicable",
          "value": "この行はiDeCo運営管理サービス。独立した有料学習講座契約は比較対象外。",
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L171-173",
              "quote": "を閲覧\n松井証券株式会社\n全商品でポイントが貯まる！松井証券のiDeCo"
            }
          ],
          "reason": "運用商品と学習契約を混同しない。"
        },
        "minimum": {
          "state": "conditional",
          "value": {
            "掛金最低額（円/月）": 5000,
            "変更単位（円）": 1000,
            "注意": "拠出元本であり手数料ではない。区分別上限・資格条件が別にある。"
          },
          "source_ids": [
            "rl-ideco-structure"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L114-116",
              "quote": "掛金は少額から自分で決められる！\n○ iDeCoは月々5,000円から始められ、掛金額を1,000円単位で自由に設定できます。\n○ 資金に余裕のない方でも、ご自身のライフスタイルに合わせた無理のない負担で老後に備えることができます。"
            }
          ],
          "reason": null
        },
        "nisa_scope": {
          "state": "not_applicable",
          "value": "iDeCo運営管理サービスであり、NISA口座としての非課税枠を扱う契約ではない。",
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L171-173",
              "quote": "を閲覧\n松井証券株式会社\n全商品でポイントが貯まる！松井証券のiDeCo"
            }
          ],
          "reason": "サービス型の区別。別のNISA口座サービスの提供有無は意味しない。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "ideco_administrator"
            }
          },
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L171-173",
              "quote": "を閲覧\n松井証券株式会社\n全商品でポイントが貯まる！松井証券のiDeCo"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "conditional",
          "value": "運営管理機関が提示する商品の中から配分を選択。掛金額の変更は原則年1回、企業年金加入者・公務員には毎月定額拠出等の制限。",
          "source_ids": [
            "rl-ideco-structure"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L125-127",
              "quote": "iDeCoの運用について\n○ 運営管理機関が選定する運用商品の中から、自由に組み合わせて運用します。\n○ 運用に当たっては、自分の運用方針（許容するリスクのレベル感や目標利回りなど）を定めたうえで、運用商品を選びます。"
            },
            {
              "source_id": "rl-ideco-structure",
              "locator": "sources/retirement_learning/ideco-structure.txt:L119-121",
              "quote": "※1\n掛金額は、1年（12月分の掛金から翌年11月分の掛金の間）に1回限り変更することができます。\n※2"
            }
          ],
          "reason": null
        },
        "transfer": {
          "state": "conditional",
          "value": "運営管理機関の変更は可能。新機関へ届出、資産の現金化等を伴い書類提出後2〜3か月程度が目安。手数料は各機関の条件を別確認。 この機関からの移換費用は4,400円（税込）。",
          "source_ids": [
            "rl-ideco-faq",
            "rl-matsui-ideco-fee"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-faq",
              "locator": "sources/retirement_learning/ideco-faq.txt:L161-163",
              "quote": "運営管理機関は変更できますか。\n運営管理機関の変更は可能です。変更先となる新しい運営管理機関から「加入者等運営管理機関変更届 (\nK-004"
            },
            {
              "source_id": "rl-ideco-faq",
              "locator": "sources/retirement_learning/ideco-faq.txt:L165-165",
              "quote": "ただし、運営管理機関の変更に伴い、運用している商品を現金化するなど、資産・記録の移換処理の完了までに、書類提出後2～3ヵ月程度の期間を要しますので、ご留意ください。"
            },
            {
              "source_id": "rl-matsui-ideco-fee",
              "locator": "sources/retirement_learning/matsui-ideco-fee.txt:L148-150",
              "quote": "松井証券\n4,400円\n今すぐiDeCo(個人型確定拠出年金)"
            }
          ],
          "reason": null
        },
        "withdrawal": {
          "state": "conditional",
          "value": "原則として60歳以降の受給年齢まで引き出せない。通算加入者等期間等により開始年齢が異なる。障害・死亡給付等の例外あり。",
          "source_ids": [
            "rl-ideco-guide"
          ],
          "evidence": [
            {
              "source_id": "rl-ideco-guide",
              "locator": "sources/retirement_learning/ideco-guide.txt:L80-82",
              "quote": "○ iDeCoは、老後の資産形成を目的とした年金制度であるからこそ、税制の優遇が行われることになっています。\n○ このため、原則として60歳にならないと個人別管理資産(拠出した掛金とその運用益）を引き出すことができません。\n○ また、"
            },
            {
              "source_id": "rl-ideco-guide",
              "locator": "sources/retirement_learning/ideco-guide.txt:L86-86",
              "quote": "○ ただし、iDeCo加入者等が一定以上の障害状態になった場合や加入者等が死亡した場合は、60歳前でも、障害給付金や死亡一時金を受給できます。"
            }
          ],
          "reason": null
        }
      },
      "source_ids": [
        "rl-jist-plans",
        "rl-ideco-structure",
        "rl-matsui-ideco-products",
        "rl-matsui-ideco-fee",
        "rl-ideco-guide",
        "rl-ideco-faq",
        "nagi26-investing-matsui-fee",
        "nagi26-investing-ideco-fee-change-web"
      ],
      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [
        {
          "id": "initial-registration",
          "state": "conditional",
          "subject": "国民年金基金連合会への加入・移換時手数料",
          "necessity": "required",
          "amount_yen": 2829,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "加入・企業年金移換1回",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "国民年金基金連合会。企業型等からの移換・新規加入の条件。",
          "source_ids": [
            "rl-matsui-ideco-fee"
          ],
          "evidence": [
            {
              "source_id": "rl-matsui-ideco-fee",
              "locator": "sources/retirement_learning/matsui-ideco-fee.txt:L88-90",
              "quote": "国民年金基金連合会\n2,829円(各社共通)\n加入後に毎月発生する手数料(税込)"
            }
          ]
        },
        {
          "id": "contribution-collection",
          "state": "conditional",
          "subject": "国民年金基金連合会への掛金収納手数料",
          "necessity": "required",
          "amount_yen": 105,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "月",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "毎月掛金を拠出する加入者の公表月額。改定後は本ページ未照合。",
          "source_ids": [
            "rl-matsui-ideco-fee"
          ],
          "evidence": [
            {
              "source_id": "rl-matsui-ideco-fee",
              "locator": "sources/retirement_learning/matsui-ideco-fee.txt:L94-96",
              "quote": "国民年金基金連合会\n105円／月(各社共通)\n松井証券(運営管理手数料)"
            }
          ]
        },
        {
          "id": "custody",
          "state": "conditional",
          "subject": "事務委託先金融機関の資産管理手数料",
          "necessity": "required",
          "amount_yen": 66,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "月",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "加入者・運用指図者。信託銀行への費用。",
          "source_ids": [
            "rl-matsui-ideco-fee"
          ],
          "evidence": [
            {
              "source_id": "rl-matsui-ideco-fee",
              "locator": "sources/retirement_learning/matsui-ideco-fee.txt:L101-103",
              "quote": "信託銀行\n66円／月\n合計"
            }
          ]
        },
        {
          "id": "administrator",
          "state": "verified",
          "subject": "運営管理機関手数料",
          "necessity": "required",
          "amount_yen": 0,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "月",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "運営管理機関の費用。他の費用は別。",
          "source_ids": [
            "rl-matsui-ideco-fee"
          ],
          "evidence": [
            {
              "source_id": "rl-matsui-ideco-fee",
              "locator": "sources/retirement_learning/matsui-ideco-fee.txt:L99-101",
              "quote": "※1\nどなたでも手数料無料\n信託銀行"
            }
          ]
        },
        {
          "id": "fund-expenses",
          "state": "unknown",
          "subject": "投資信託の信託報酬等",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "保有資産・商品ごと",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": null,
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "transfer-out",
          "state": "conditional",
          "subject": "他機関への移換手数料",
          "necessity": "required",
          "amount_yen": 4400,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "移換1回",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "他の金融機関等へ移換するとき。",
          "source_ids": [
            "rl-matsui-ideco-fee"
          ],
          "evidence": [
            {
              "source_id": "rl-matsui-ideco-fee",
              "locator": "sources/retirement_learning/matsui-ideco-fee.txt:L148-150",
              "quote": "松井証券\n4,400円\n今すぐiDeCo(個人型確定拠出年金)"
            }
          ]
        },
        {
          "id": "benefit-payment",
          "state": "conditional",
          "subject": "給付手数料",
          "necessity": "required",
          "amount_yen": 440,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "給付1回",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "給付時の信託銀行手数料。",
          "source_ids": [
            "rl-matsui-ideco-fee"
          ],
          "evidence": [
            {
              "source_id": "rl-matsui-ideco-fee",
              "locator": "sources/retirement_learning/matsui-ideco-fee.txt:L125-127",
              "quote": "信託銀行\n440円／1回(各社共通)\n還付手数料(税込)"
            }
          ]
        },
        {
          "id": "refund",
          "state": "conditional",
          "subject": "掛金還付手数料",
          "necessity": "required",
          "amount_yen": 1488,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "還付1回",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "法定限度超過・加入資格のない月の拠出等の還付時。連合会1,048円＋信託銀行440円、松井運営管理料0円の合計。",
          "source_ids": [
            "nagi26-investing-matsui-fee"
          ],
          "evidence": [
            {
              "source_id": "nagi26-investing-matsui-fee",
              "locator": "sources/nagi26-investing-matsui-fee.txt",
              "quote": "1,488円／1回"
            }
          ]
        }
      ],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "shinkin-ideco",
      "provider_id": "shinkin-central-bank",
      "provider_name": "信金中央金庫",
      "brand_id": "shinkin-central-bank",
      "name": "しんきんｉＤｅＣｏ",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://www.j-pec.co.jp/scb/",
      "identity_status": "verified",
      "availability_status": "unconfirmed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "ideco_administrator"
            }
          },
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L181-183",
              "quote": "を閲覧\n信金中央金庫\nしんきんｉＤｅＣｏ"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        }
      },
      "source_ids": [
        "rl-jist-plans"
      ],
      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "au-am-ideco",
      "provider_id": "au-asset-management",
      "provider_name": "auアセットマネジメント株式会社",
      "brand_id": "au-asset-management",
      "name": "auのiDeCo",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://ideco.kddi-am.com/",
      "identity_status": "verified",
      "availability_status": "unconfirmed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "ideco_administrator"
            }
          },
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L192-194",
              "quote": "(祝日、12月31日～1月3日を除く)\nauアセットマネジメント株式会社\nauのiDeCo"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        }
      },
      "source_ids": [
        "rl-jist-plans"
      ],
      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "kyushu-rokin-ideco",
      "provider_id": "kyushu-rokin",
      "provider_name": "九州労働金庫",
      "brand_id": "kyushu-rokin",
      "name": "九州ろうきんiDeCo(個人型年金プラン)",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://rokin-ideco.com/kyusyu/index.html",
      "identity_status": "verified",
      "availability_status": "unconfirmed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "ideco_administrator"
            }
          },
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L213-215",
              "quote": "を閲覧\n九州労働金庫\n九州ろうきんiDeCo(個人型年金プラン)"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        }
      },
      "source_ids": [
        "rl-jist-plans"
      ],
      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "yokohama-bank-ideco",
      "provider_id": "yokohama-bank",
      "provider_name": "株式会社横浜銀行",
      "brand_id": "yokohama-bank",
      "name": "横浜銀行個人型確定拠出年金プラン",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://www.boy.co.jp/kojin/nenkin/ideco/index.html",
      "identity_status": "verified",
      "availability_status": "unconfirmed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
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        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
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        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
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      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
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      "name": "四国ろうきんiDeCo(個人型年金プラン)",
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      "entity_type": "ideco_administrator",
      "official_url": "https://rokin-ideco.com/shikoku/index.html",
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          "evidence": [
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              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L254-256",
              "quote": "を閲覧\n四国労働金庫\n四国ろうきんiDeCo(個人型年金プラン)"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
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        "transfer": {
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      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
      ],
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    },
    {
      "id": "sony-bank-ideco",
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      "brand_id": "sony-bank",
      "name": "ソニー銀行のiDeCo",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://sonybank.jp/products/ideco/",
      "identity_status": "verified",
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        "eligibility": {
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              "locator": "sources/retirement_learning/jist-plans.txt:L264-266",
              "quote": "を閲覧\nソニー銀行株式会社\nソニー銀行のiDeCo"
            }
          ],
          "reason": null
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      "source_ids": [
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      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
      ],
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    },
    {
      "id": "fukuoka-bank-ideco",
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      "provider_name": "株式会社福岡銀行",
      "brand_id": "fukuoka-bank",
      "name": "ＦＦＧのｉＤｅＣｏ",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://www.fukuokabank.co.jp/personal/service/toushishintaku/ideco/",
      "identity_status": "verified",
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          },
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          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L276-278",
              "quote": "を閲覧\n株式会社福岡銀行\nＦＦＧのｉＤｅＣｏ"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
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        },
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        "rl-jist-plans"
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        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
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      "id": "tokai-rokin-ideco",
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      "entity_type": "ideco_administrator",
      "official_url": "https://rokin-ideco.com/tokai/index.html",
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        },
        "nisa_scope": {
          "state": "unknown",
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        },
        "service_scope": {
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            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "ideco_administrator"
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          },
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            {
              "source_id": "rl-jist-plans",
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              "quote": "(日曜日、祝日、年末年始を除く)\n東海労働金庫\n東海ろうきんiDeCo(個人型年金プラン)"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "withdrawal": {
          "state": "unknown",
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          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        }
      },
      "source_ids": [
        "rl-jist-plans"
      ],
      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
      ],
      "variant_id": null,
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    },
    {
      "id": "chugoku-rokin-ideco",
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      "brand_id": "chugoku-rokin",
      "name": "中国ろうきんiDeCo(個人型年金プラン)",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://rokin-ideco.com/chugoku/index.html",
      "identity_status": "verified",
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          "evidence": [],
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        "effective": {
          "state": "unknown",
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          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "instruments": {
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          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "learning_contract": {
          "state": "unknown",
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          "source_ids": [],
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          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
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          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "nisa_scope": {
          "state": "unknown",
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          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "ideco_administrator"
            }
          },
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L296-298",
              "quote": "を閲覧\n中国労働金庫\n中国ろうきんiDeCo(個人型年金プラン)"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "unknown",
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          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "withdrawal": {
          "state": "unknown",
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          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        }
      },
      "source_ids": [
        "rl-jist-plans"
      ],
      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
      ],
      "variant_id": null,
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      "total_yen": null,
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      "cost_comparison_basis": null
    },
    {
      "id": "okb-ideco",
      "provider_id": "ogaki-kyoritsu-bank",
      "provider_name": "株式会社大垣共立銀行",
      "brand_id": "ogaki-kyoritsu-bank",
      "name": "共立確定拠出年金個人型プラン",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://www.okb.co.jp/personal/useful/ideco.html",
      "identity_status": "verified",
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          "state": "unknown",
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          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
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        "effective": {
          "state": "unknown",
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          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "fees": {
          "state": "unknown",
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          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "instruments": {
          "state": "unknown",
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          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "learning_contract": {
          "state": "unknown",
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          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
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          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "nisa_scope": {
          "state": "unknown",
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          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "ideco_administrator"
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          },
          "source_ids": [
            "rl-jist-plans"
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          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L306-308",
              "quote": "を閲覧\n株式会社大垣共立銀行\n共立確定拠出年金個人型プラン"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        }
      },
      "source_ids": [
        "rl-jist-plans"
      ],
      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
      ],
      "variant_id": null,
      "offer_id": null,
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      "total_yen": null,
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    },
    {
      "id": "shizuoka-rokin-ideco",
      "provider_id": "shizuoka-rokin",
      "provider_name": "静岡県労働金庫",
      "brand_id": "shizuoka-rokin",
      "name": "静岡ろうきんiDeCo(個人型年金プラン)",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://rokin-ideco.com/shizuoka/index.html",
      "identity_status": "verified",
      "availability_status": "unconfirmed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "fees": {
          "state": "unknown",
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          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "ideco_administrator"
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          },
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L314-316",
              "quote": "(年末年始、ゴールデンウィークの一部を除く)\n静岡県労働金庫\n静岡ろうきんiDeCo(個人型年金プラン)"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        }
      },
      "source_ids": [
        "rl-jist-plans"
      ],
      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "ncbank-ideco",
      "provider_id": "nishi-nippon-city-bank",
      "provider_name": "株式会社西日本シティ銀行",
      "brand_id": "nishi-nippon-city-bank",
      "name": "西日本シティ 恋するｉＤｅＣｏ",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://www.ncbank.co.jp/tameru/ideco/",
      "identity_status": "verified",
      "availability_status": "unconfirmed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "instruments": {
          "state": "unknown",
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          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "ideco_administrator"
            }
          },
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L324-326",
              "quote": "を閲覧\n株式会社西日本シティ銀行\n西日本シティ 恋するｉＤｅＣｏ"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        }
      },
      "source_ids": [
        "rl-jist-plans"
      ],
      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "hokkaido-rokin-ideco",
      "provider_id": "hokkaido-rokin",
      "provider_name": "北海道労働金庫",
      "brand_id": "hokkaido-rokin",
      "name": "北海道ろうきんiDeCo(個人型年金プラン)",
      "category": "ideco",
      "entity_type": "ideco_administrator",
      "official_url": "https://rokin-ideco.com/hokkaido/index.html",
      "identity_status": "verified",
      "availability_status": "unconfirmed",
      "aliases": [],
      "fields": {
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          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "fees": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "learning_contract": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "minimum": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "nisa_scope": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "ideco_administrator"
            }
          },
          "source_ids": [
            "rl-jist-plans"
          ],
          "evidence": [
            {
              "source_id": "rl-jist-plans",
              "locator": "sources/retirement_learning/jist-plans.txt:L344-346",
              "quote": "(日、祝日、年末年始を除く)\n北海道労働金庫\n北海道ろうきんiDeCo(個人型年金プラン)"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "transfer": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "withdrawal": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        }
      },
      "source_ids": [
        "rl-jist-plans"
      ],
      "notes": [
        "JIS\u0026Tの2026年10月現在のiDeCoプラン一覧で同定。個別金融機関の最新受付・費用等は未確認。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "gfs-learning",
      "provider_id": "gfs-education",
      "provider_name": "株式会社GFS Education",
      "brand_id": "gfs",
      "name": "GFS オンライン金融教育スクール",
      "category": "learning",
      "entity_type": "learning_contract",
      "official_url": "https://official.gfs.tokyo/",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "conditional",
          "value": "入学手続き完了通知から8日以内の申出に加え、依頼書送付から7日以内の提出・提出後8日以内必着の教材返却等の条件。規約上の手数料は別途なし、送料・送金手数料は利用者負担。",
          "source_ids": [
            "rl-gfs-agreement"
          ],
          "evidence": [
            {
              "source_id": "rl-gfs-agreement",
              "locator": "sources/retirement_learning/gfs-agreement.txt:L153-153",
              "quote": "（イ）本規約第9条2項に基づき本契約の効力が発生し、当社が利用者に対し入学手続き完了の通知をした時点から8日以内に、当社事務局へ本サービスの解約・返金を希望する旨を申し出ること。"
            },
            {
              "source_id": "rl-gfs-agreement",
              "locator": "sources/retirement_learning/gfs-agreement.txt:L154-154",
              "quote": "（ロ）当社が（イ）の申し出を行った利用者に対し「解約・返金依頼書」を送付してから７日以内に、利用者が、当社が指定する方法で「解約・返金依頼書」を提出すること。"
            },
            {
              "source_id": "rl-gfs-agreement",
              "locator": "sources/retirement_learning/gfs-agreement.txt:L155-155",
              "quote": "（ハ）本サービスの提供にあたって利用者が取得したすべての教材を、「解約・返金依頼書」を提出した日から8日以内必着で、当社事務局へ返却すること。ただし別途購入済みの教材を除く。"
            },
            {
              "source_id": "rl-gfs-agreement",
              "locator": "第16条2項 / 抽出text 163行",
              "quote": "２．前条に規定する解約の手続きにおいて発生する費用（送料および金融機関における送金手数料などを含みますが、これらに限定されません。）は利用者の負担とします。"
            }
          ],
          "reason": null
        },
        "effective": {
          "state": "conditional",
          "value": "利用規約の改定履歴末尾は2026年10月1日。新料金を未払の既存分割契約へ自動適用しない旨あり。",
          "source_ids": [
            "rl-gfs-agreement"
          ],
          "evidence": [
            {
              "source_id": "rl-gfs-agreement",
              "locator": "sources/retirement_learning/gfs-agreement.txt:L229-231",
              "quote": "2026年5月13日 改定\n2026年10月1日 改定\n2025年9月10日までに入学の申し込みをされた方は、下記が適用されております。"
            },
            {
              "source_id": "rl-gfs-agreement",
              "locator": "sources/retirement_learning/gfs-agreement.txt:L121-121",
              "quote": "２．当社は、本サービスの内容変更などにより、利用料を改定する場合があります。この場合には、分割払いを選択している利用者に対しては、契約締結時の利用料が適用され、未払い金について、改定を理由とした分割払いの金額の変更は発生いたしません。"
            }
          ],
          "reason": null
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "fees": {
          "state": "conditional",
          "value": "公式FAQの案内額は入学金55,000円・学費643,000円、合計698,000円（税込）。契約期間・追加費用を含む最終契約総額は未確認。",
          "source_ids": [
            "rl-gfs-faq"
          ],
          "evidence": [
            {
              "source_id": "rl-gfs-faq",
              "locator": "sources/retirement_learning/gfs-faq.txt:L62-64",
              "quote": "入学の料金はいくらですか？\nご入学にかかる費用につきましては、現在、以下内容にてご案内しております（税込）\n入学金"
            },
            {
              "source_id": "rl-gfs-faq",
              "locator": "sources/retirement_learning/gfs-faq.txt:L64-66",
              "quote": "入学金\n55,000円\n学費"
            },
            {
              "source_id": "rl-gfs-faq",
              "locator": "sources/retirement_learning/gfs-faq.txt:L66-68",
              "quote": "学費\n643,000円\n合計"
            },
            {
              "source_id": "rl-gfs-faq",
              "locator": "sources/retirement_learning/gfs-faq.txt:L68-70",
              "quote": "合計\n698,000円\nなお、生徒様満足度向上のため、随時コンテンツの拡充やサービス・機能追加などの実施により"
            }
          ],
          "reason": null
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "learning_contract": {
          "state": "conditional",
          "value": "オンライン金融教育。利用期間は個別合意し申込完了メールで通知。公表FAQの料金だけでは期間を固定できない。投資助言・将来成果の約束は含まれない。",
          "source_ids": [
            "rl-gfs-agreement"
          ],
          "evidence": [
            {
              "source_id": "rl-gfs-agreement",
              "locator": "sources/retirement_learning/gfs-agreement.txt:L139-139",
              "quote": "利用者が本サービスを利用できる期間は、あらかじめ利用者と当社の間で合意した期間（以下「利用期間」といいます。）とし、利用期間は、申込み完了の時に当社が利用者に対して送信する電子メールに記載します。"
            },
            {
              "source_id": "rl-gfs-agreement",
              "locator": "sources/retirement_learning/gfs-agreement.txt:L123-123",
              "quote": "１．利用者は本サービスには投資助言が含まれず、将来的な成果を約束するものではないことを理解し、本規約に同意した上で、本サービスの利用を申し込みます。"
            }
          ],
          "reason": null
        },
        "minimum": {
          "state": "not_applicable",
          "value": "学習契約の行。金融口座の非課税枠・拠出最低額・取引・出金・資産移管の条件はこの契約の比較対象外。",
          "source_ids": [
            "rl-gfs-agreement"
          ],
          "evidence": [
            {
              "source_id": "rl-gfs-agreement",
              "locator": "sources/retirement_learning/gfs-agreement.txt:L76-76",
              "quote": "１．この「GFS利用規約」（以下「本規約」といいます）は、「株式会社GFS Education」（以下「当社」といいます）が提供する各種スクールサービスの「GFS」およびその付随サービス（以下合わせて「本サービス」といいます）を利用する個人、法人（以下「利用者」といいます）および当社に対して適用されます。利用者は、本サービスを利用する前に、本規約をよく読み、本規約の内容に同意の上ご利用ください。"
            }
          ],
          "reason": "学習と実際の投資は別。学習契約の解約は解約欄へ。"
        },
        "nisa_scope": {
          "state": "not_applicable",
          "value": "学習契約の行。金融口座の非課税枠・拠出最低額・取引・出金・資産移管の条件はこの契約の比較対象外。",
          "source_ids": [
            "rl-gfs-agreement"
          ],
          "evidence": [
            {
              "source_id": "rl-gfs-agreement",
              "locator": "sources/retirement_learning/gfs-agreement.txt:L76-76",
              "quote": "１．この「GFS利用規約」（以下「本規約」といいます）は、「株式会社GFS Education」（以下「当社」といいます）が提供する各種スクールサービスの「GFS」およびその付随サービス（以下合わせて「本サービス」といいます）を利用する個人、法人（以下「利用者」といいます）および当社に対して適用されます。利用者は、本サービスを利用する前に、本規約をよく読み、本規約の内容に同意の上ご利用ください。"
            }
          ],
          "reason": "学習と実際の投資は別。学習契約の解約は解約欄へ。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "learning_contract"
            }
          },
          "source_ids": [
            "rl-gfs-agreement"
          ],
          "evidence": [
            {
              "source_id": "rl-gfs-agreement",
              "locator": "sources/retirement_learning/gfs-agreement.txt:L76-76",
              "quote": "１．この「GFS利用規約」（以下「本規約」といいます）は、「株式会社GFS Education」（以下「当社」といいます）が提供する各種スクールサービスの「GFS」およびその付随サービス（以下合わせて「本サービス」といいます）を利用する個人、法人（以下「利用者」といいます）および当社に対して適用されます。利用者は、本サービスを利用する前に、本規約をよく読み、本規約の内容に同意の上ご利用ください。"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "not_applicable",
          "value": "学習契約の行。金融口座の非課税枠・拠出最低額・取引・出金・資産移管の条件はこの契約の比較対象外。",
          "source_ids": [
            "rl-gfs-agreement"
          ],
          "evidence": [
            {
              "source_id": "rl-gfs-agreement",
              "locator": "sources/retirement_learning/gfs-agreement.txt:L76-76",
              "quote": "１．この「GFS利用規約」（以下「本規約」といいます）は、「株式会社GFS Education」（以下「当社」といいます）が提供する各種スクールサービスの「GFS」およびその付随サービス（以下合わせて「本サービス」といいます）を利用する個人、法人（以下「利用者」といいます）および当社に対して適用されます。利用者は、本サービスを利用する前に、本規約をよく読み、本規約の内容に同意の上ご利用ください。"
            }
          ],
          "reason": "学習と実際の投資は別。学習契約の解約は解約欄へ。"
        },
        "transfer": {
          "state": "not_applicable",
          "value": "学習契約の行。金融口座の非課税枠・拠出最低額・取引・出金・資産移管の条件はこの契約の比較対象外。",
          "source_ids": [
            "rl-gfs-agreement"
          ],
          "evidence": [
            {
              "source_id": "rl-gfs-agreement",
              "locator": "sources/retirement_learning/gfs-agreement.txt:L76-76",
              "quote": "１．この「GFS利用規約」（以下「本規約」といいます）は、「株式会社GFS Education」（以下「当社」といいます）が提供する各種スクールサービスの「GFS」およびその付随サービス（以下合わせて「本サービス」といいます）を利用する個人、法人（以下「利用者」といいます）および当社に対して適用されます。利用者は、本サービスを利用する前に、本規約をよく読み、本規約の内容に同意の上ご利用ください。"
            }
          ],
          "reason": "学習と実際の投資は別。学習契約の解約は解約欄へ。"
        },
        "withdrawal": {
          "state": "not_applicable",
          "value": "学習契約の行。金融口座の非課税枠・拠出最低額・取引・出金・資産移管の条件はこの契約の比較対象外。",
          "source_ids": [
            "rl-gfs-agreement"
          ],
          "evidence": [
            {
              "source_id": "rl-gfs-agreement",
              "locator": "sources/retirement_learning/gfs-agreement.txt:L76-76",
              "quote": "１．この「GFS利用規約」（以下「本規約」といいます）は、「株式会社GFS Education」（以下「当社」といいます）が提供する各種スクールサービスの「GFS」およびその付随サービス（以下合わせて「本サービス」といいます）を利用する個人、法人（以下「利用者」といいます）および当社に対して適用されます。利用者は、本サービスを利用する前に、本規約をよく読み、本規約の内容に同意の上ご利用ください。"
            }
          ],
          "reason": "学習と実際の投資は別。学習契約の解約は解約欄へ。"
        }
      },
      "source_ids": [
        "rl-gfs-agreement",
        "rl-gfs-faq"
      ],
      "notes": [],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [
        {
          "id": "enrollment",
          "state": "conditional",
          "subject": "入学金",
          "necessity": "required",
          "amount_yen": 55000,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "入学1回",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "FAQの現行案内額。個別契約の期間・プランは未確認。",
          "source_ids": [
            "rl-gfs-faq"
          ],
          "evidence": [
            {
              "source_id": "rl-gfs-faq",
              "locator": "sources/retirement_learning/gfs-faq.txt:L64-66",
              "quote": "入学金\n55,000円\n学費"
            }
          ]
        },
        {
          "id": "tuition",
          "state": "conditional",
          "subject": "学費",
          "necessity": "required",
          "amount_yen": 643000,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "契約",
          "quantity": 1,
          "period": null,
          "tax": "税込",
          "conditions": "FAQの現行案内額。個別契約の期間・プランは未確認。",
          "source_ids": [
            "rl-gfs-faq"
          ],
          "evidence": [
            {
              "source_id": "rl-gfs-faq",
              "locator": "sources/retirement_learning/gfs-faq.txt:L66-68",
              "quote": "学費\n643,000円\n合計"
            }
          ]
        },
        {
          "id": "additional-materials",
          "state": "unknown",
          "subject": "別途教材等",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "契約",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": null,
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "payment-charge",
          "state": "unknown",
          "subject": "分割・決済費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "決済",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": null,
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "return-postage",
          "state": "unknown",
          "subject": "解約時の教材送料・送金費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "解約",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": null,
          "source_ids": [],
          "evidence": []
        }
      ],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    },
    {
      "id": "financial-academy-learning",
      "provider_id": "financial-academy",
      "provider_name": "株式会社FinancialAcademy",
      "brand_id": "financial-academy",
      "name": "ファイナンシャルアカデミー 株式投資スクール",
      "category": "learning",
      "entity_type": "learning_contract",
      "official_url": "https://www.f-academy.jp/school/category/",
      "identity_status": "verified",
      "availability_status": "official_product_page_observed",
      "aliases": [],
      "fields": {
        "closure": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "effective": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "eligibility": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "fees": {
          "state": "conditional",
          "value": "公式コース一覧の株式投資スクール枠に受講料378,000円（税込415,800円）〜。最低表示であり確定総額ではない。入学金・教材等を含む全費用は未確認。",
          "source_ids": [
            "rl-fa-categories"
          ],
          "evidence": [
            {
              "source_id": "rl-fa-categories",
              "locator": "sources/retirement_learning/fa-categories.txt:L47",
              "quote": "株式投資スクール"
            },
            {
              "source_id": "rl-fa-categories",
              "locator": "sources/retirement_learning/fa-categories.txt:L49-56",
              "quote": "教室・Zoom・動画授業\n受講期間1年\n【学べること】\n株の仕組みから銘柄選び、決算書の読み方、売買タイミングまで株式投資に必要なノウハウのすべて（全15回）\n【受講料】\n378,000円\n（税込415,800円）\n～"
            }
          ],
          "reason": null
        },
        "instruments": {
          "state": "unknown",
          "value": null,
          "source_ids": [],
          "evidence": [],
          "reason": "公式の契約・対象・適用条件の照合が未完了。"
        },
        "learning_contract": {
          "state": "conditional",
          "value": "株式投資の学習コース。教室・Zoom・動画授業、受講期間1年の案内。解約・更新・教材・追加費用の契約詳細は未確認。",
          "source_ids": [
            "rl-fa-categories"
          ],
          "evidence": [
            {
              "source_id": "rl-fa-categories",
              "locator": "sources/retirement_learning/fa-categories.txt:L47",
              "quote": "株式投資スクール"
            },
            {
              "source_id": "rl-fa-categories",
              "locator": "sources/retirement_learning/fa-categories.txt:L48-50",
              "quote": "根拠ある銘柄選びで受講生の8割以上がプラスの運用実績\n教室・Zoom・動画授業\n受講期間1年"
            },
            {
              "source_id": "rl-fa-categories",
              "locator": "sources/retirement_learning/fa-categories.txt:L49-51",
              "quote": "教室・Zoom・動画授業\n受講期間1年\n【学べること】"
            }
          ],
          "reason": null
        },
        "minimum": {
          "state": "not_applicable",
          "value": "学習コースの行。NISA口座・金融商品の元本拠出・出金・資産移管は比較対象外。",
          "source_ids": [
            "rl-fa-categories"
          ],
          "evidence": [
            {
              "source_id": "rl-fa-categories",
              "locator": "sources/retirement_learning/fa-categories.txt:L47",
              "quote": "株式投資スクール"
            }
          ],
          "reason": "学習受講と証券取引を分離。"
        },
        "nisa_scope": {
          "state": "not_applicable",
          "value": "学習コースの行。NISA口座・金融商品の元本拠出・出金・資産移管は比較対象外。",
          "source_ids": [
            "rl-fa-categories"
          ],
          "evidence": [
            {
              "source_id": "rl-fa-categories",
              "locator": "sources/retirement_learning/fa-categories.txt:L47",
              "quote": "株式投資スクール"
            }
          ],
          "reason": "学習受講と証券取引を分離。"
        },
        "service_scope": {
          "state": "verified",
          "value": {
            "comparison_basis": "service-kind:v1",
            "comparison_value": {
              "kind": "learning_contract"
            }
          },
          "source_ids": [
            "rl-fa-categories"
          ],
          "evidence": [
            {
              "source_id": "rl-fa-categories",
              "locator": "sources/retirement_learning/fa-categories.txt:L47",
              "quote": "株式投資スクール"
            }
          ],
          "reason": null
        },
        "trading_conditions": {
          "state": "not_applicable",
          "value": "学習コースの行。NISA口座・金融商品の元本拠出・出金・資産移管は比較対象外。",
          "source_ids": [
            "rl-fa-categories"
          ],
          "evidence": [
            {
              "source_id": "rl-fa-categories",
              "locator": "sources/retirement_learning/fa-categories.txt:L47",
              "quote": "株式投資スクール"
            }
          ],
          "reason": "学習受講と証券取引を分離。"
        },
        "transfer": {
          "state": "not_applicable",
          "value": "学習コースの行。NISA口座・金融商品の元本拠出・出金・資産移管は比較対象外。",
          "source_ids": [
            "rl-fa-categories"
          ],
          "evidence": [
            {
              "source_id": "rl-fa-categories",
              "locator": "sources/retirement_learning/fa-categories.txt:L47",
              "quote": "株式投資スクール"
            }
          ],
          "reason": "学習受講と証券取引を分離。"
        },
        "withdrawal": {
          "state": "not_applicable",
          "value": "学習コースの行。NISA口座・金融商品の元本拠出・出金・資産移管は比較対象外。",
          "source_ids": [
            "rl-fa-categories"
          ],
          "evidence": [
            {
              "source_id": "rl-fa-categories",
              "locator": "sources/retirement_learning/fa-categories.txt:L47",
              "quote": "株式投資スクール"
            }
          ],
          "reason": "学習受講と証券取引を分離。"
        }
      },
      "source_ids": [
        "rl-fa-categories",
        "rl-fa-company"
      ],
      "notes": [
        "個別スクール詳細URLの取得は403。公式コース一覧の当該枠のみ使用。検索キャッシュの旧受講料と混合しない。",
        "運営法人は公式会社概要の現在表記「株式会社FinancialAcademy」による。旧社名を継承しない。"
      ],
      "variant_id": null,
      "offer_id": null,
      "image_slot": null,
      "affiliate_url": null,
      "cost_components": [
        {
          "id": "tuition",
          "state": "conditional",
          "subject": "受講料",
          "necessity": "required",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "1年コース",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": {
            "published_from_yen": 415800,
            "limitation": "〜表示で上限・確定支払額は不明"
          },
          "source_ids": [
            "rl-fa-categories"
          ],
          "evidence": [
            {
              "source_id": "rl-fa-categories",
              "locator": "sources/retirement_learning/fa-categories.txt:L54-56",
              "quote": "378,000円\n（税込415,800円）\n～"
            }
          ]
        },
        {
          "id": "enrollment",
          "state": "unknown",
          "subject": "入学金",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "入学1回",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": null,
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "materials",
          "state": "unknown",
          "subject": "教材等",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "契約",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": null,
          "source_ids": [],
          "evidence": []
        },
        {
          "id": "cancellation",
          "state": "unknown",
          "subject": "解約費用",
          "necessity": "unknown",
          "amount_yen": null,
          "rate_percent": null,
          "currency": "JPY",
          "unit": "解約",
          "quantity": null,
          "period": null,
          "tax": null,
          "conditions": null,
          "source_ids": [],
          "evidence": []
        }
      ],
      "total_yen": null,
      "confirmed_cost_subtotal_yen": null,
      "cost_comparison_basis": null
    }
  ],
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      "original_snapshot_path": "",
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      "extracted_text_path": "sources/brokerage/daiwa-home.txt",
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      "original_snapshot_path": "",
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      ],
      "original_snapshot_path": "",
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      "extracted_text_path": "sources/brokerage/dmm-home.txt",
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      "original_snapshot_path": "",
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      "url": "https://kabu.com/cost/detail.html",
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      "original_snapshot_path": "",
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      "extracted_text_path": "sources/brokerage/esmart-fee.txt",
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      "original_snapshot_path": "",
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      "extracted_text_path": "sources/brokerage/esmart-home.txt",
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      "retrieved_at": "2026-11-03T11:27:47.206Z",
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      "original_snapshot_path": "",
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      "original_snapshot_path": "",
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      "original_snapshot_path": "",
      "original_sha256": "",
      "extracted_text_path": "sources/brokerage/esmart-payment.txt",
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      "original_sha256": "",
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      "extracted_text_path": "sources/brokerage/gmo-commission.txt",
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      "extracted_text_path": "sources/brokerage/gmo-home.txt",
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    {
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    {
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        "公開ページの取得。個別申込の受理や将来条件は保証しない。"
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        "公開ページの取得。個別申込の受理や将来条件は保証しない。"
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        "公開ページの取得。個別申込の受理や将来条件は保証しない。"
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        "公開ページの取得。個別申込の受理や将来条件は保証しない。"
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        "公開ページの取得。個別申込の受理や将来条件は保証しない。"
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        "公開ページの取得。個別申込の受理や将来条件は保証しない。"
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