@charset "UTF-8";
/* ========================================
    Financial Management
======================================== */
.sk-reference {
  text-align: left;
  font-size: 13px;
  color: #555;
  margin: 8px 0 0;
}
.sk-reference a {
  color: #555;
}

/* ポイント */
.point-box-b,
.point-box-b-2 {
  border: 1px solid #ccc;
  border-top: 2px solid #013364;
  margin-bottom: 28px;
  padding: 15px 20px;
}
.point-box-b-title,
.point-box-b-2-title {
  margin-bottom: 0.75em;
}
.point-box-b h3,
.point-box-b-2 h3 {
  font-weight: bold;
  margin-bottom: 10px;
}
.point-box-b p:not(:last-child),
.point-box-b-2 p:not(:last-child) {
  margin-bottom: 10px;
}
.point-box-b ul:last-child,
.point-box-b-2 ul:last-child {
  margin-bottom: 0;
}

.point-box-b-2 {
  border-top: 2px solid #cc0033;
}

/* =====図① 資金繰り vs キャッシュフロー 比較表（文中挿入用）===== */
.sk-cmp-wrap {
  padding: 0;
  margin: 0 0 30px !important;
  background: #fff;
}

.sk-cmp-title {
  font-size: 18px;
  font-weight: bold;
  text-align: center;
  margin: 0 0 18px !important;
  color: #333;
}

.sk-cmp-table {
  width: 100%;
  border-collapse: collapse;
}

.sk-cmp-table th,
.sk-cmp-table td {
  padding: 12px 14px;
  text-align: left;
  font-size: 14px;
  line-height: 1.6;
  border-bottom: 1px solid #eee;
  vertical-align: top;
}

.sk-cmp-table thead th {
  background: #f5f5f5;
  font-weight: bold;
  color: #555;
  border-bottom: 2px solid #ddd;
  font-size: 13px;
}

.sk-cmp-table thead th:first-child {
  width: 22%;
}

.sk-cmp-tag {
  display: inline-block;
  padding: 2px 10px;
  border-radius: 20px;
  font-size: 11px;
  font-weight: bold;
}

.sk-cmp-tag.cf {
  background: #e8f0fe;
  color: #2e75b6;
}

.sk-cmp-tag.sk {
  background: #fdecea;
  color: #cc0033;
}

.sk-cmp-table .label-cf {
  color: #2e75b6;
  font-weight: bold;
}

.sk-cmp-table .label-sk {
  color: #cc0033;
  font-weight: bold;
}

.sk-cmp-table tbody tr:last-child td {
  border-bottom: none;
}

.sk-cmp-note {
  background: #fef6e4;
  border-left: 3px solid #e8a000;
  padding: 10px 14px;
  margin: 14px 0 0;
  border-radius: 0 4px 4px 0;
  font-size: 14px;
  color: #555;
  line-height: 1.7;
}

.sk-cmp-note strong {
  color: #9a6700;
}

/* =====図② 倒産件数推移グラフ 2013-2024（文中挿入用）===== */
.sk-chart2-wrap {
  padding: 0;
  margin: 0 0 8px;
  background: #fff;
}

.sk-chart2-title {
  font-size: 18px;
  font-weight: bold;
  text-align: center;
  margin: 0 0 16px !important;
  color: #333;
}

.sk-chart2-callout {
  background: #fde8e8;
  border-left: 3px solid #cc0033;
  padding: 10px 14px;
  margin: 16px 0 0;
  border-radius: 0 4px 4px 0;
  font-size: 14px;
  color: #555;
  line-height: 1.7;
}

.sk-chart2-callout strong {
  color: #cc0033;
}

/* =====図③ 中小企業を圧迫する「3つの圧力」（文中挿入用）===== */
.sk-press-wrap {
  border: 1px solid #e0e0e0;
  border-radius: 4px;
  padding: 24px 20px 20px;
  margin: 0 0 8px;
  background: #fff;
}

.sk-press-title {
  font-size: 18px;
  font-weight: bold;
  text-align: center;
  margin: 0 0 18px !important;
  color: #333;
}

.sk-press-label {
  display: block;
  background: #fde8e8;
  border: 2px solid #cc0033;
  border-radius: 6px;
  padding: 10px 24px;
  font-weight: bold;
  font-size: 15px;
  color: #cc0033;
  text-align: center;
  margin: 0 0 14px;
}

.sk-press-arrows {
  text-align: center;
  font-size: 22px;
  color: #cc0033;
  letter-spacing: 16px;
  margin: 0 0 16px;
}

.sk-press-cards {
  display: flex;
  gap: 14px;
}

.sk-press-card {
  flex: 1;
  border-radius: 8px;
  padding: 16px;
  background: #fff5f5;
  border: 1px solid #fcdada;
}

.sk-press-num {
  display: inline-flex;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 13px;
  color: #fff;
  margin: 0 0 8px;
  background: #cc0033;
}

.sk-press-card h4 {
  font-size: 14px;
  font-weight: bold;
  margin: 0 0 8px;
  line-height: 1.5;
  color: #cc0033;
}

.sk-press-card p {
  font-size: 13px;
  line-height: 1.6;
  color: #555;
  margin: 0 0 8px;
}

.sk-press-stat {
  font-weight: 800;
  font-size: 20px;
  display: block;
  color: #cc0033;
}

.sk-press-statlabel {
  font-size: 11px;
  color: #888;
  display: block;
  margin-top: 2px;
}

.sk-press-bottom {
  margin: 16px 0 0;
  background: #333;
  color: #fff;
  border-radius: 6px;
  padding: 12px 18px;
  text-align: center;
  font-size: 14px;
  line-height: 1.6;
}

.sk-press-bottom span {
  color: #ffd700;
  font-weight: bold;
}

/* =====図④ 黒字倒産のメカニズム フロー図（文中挿入用）==== */
.sk-flow-wrap {
  border: 1px solid #e0e0e0;
  border-radius: 4px;
  padding: 24px 20px 20px;
  margin: 0 0 8px;
  background: #fff;
}

.sk-flow-title {
  font-size: 18px;
  font-weight: bold;
  text-align: center;
  margin: 0 0 18px !important;
  color: #333;
}

.sk-flow-step {
  border-radius: 8px;
  padding: 14px 16px;
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin: 0 0 4px;
  background: #f5f5f5;
  border: 1px solid #e0e0e0;
}

.sk-flow-num {
  flex-shrink: 0;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 14px;
  color: #fff;
  margin-top: 1px;
  background: #444;
}

.sk-flow-text h4 {
  font-size: 14px;
  font-weight: bold;
  margin: 0 0 3px;
  color: #333;
}

.sk-flow-text p {
  font-size: 13px;
  color: #555;
  line-height: 1.5;
  margin: 0;
}

.sk-flow-arrow {
  text-align: center;
  font-size: 20px;
  padding: 2px 0;
  color: #888;
}

.sk-flow-s5 {
  background: #333 !important;
  border-color: #222 !important;
}

.sk-flow-s5 .sk-flow-num {
  background: #fff;
  color: #333;
}

.sk-flow-s5 h4 {
  color: #fff !important;
}

.sk-flow-s5 .sk-flow-text p {
  color: rgba(255, 255, 255, 0.9);
}

.sk-flow-arrow-final {
  text-align: center;
  font-size: 26px;
  padding: 2px 0;
  color: #cc0033;
  font-weight: 800;
}

.sk-flow-site {
  margin: 16px 0 0;
  background: #fde8e8;
  border: 2px dashed #cc0033;
  border-radius: 8px;
  padding: 12px 16px;
  text-align: center;
}

.sk-flow-site h4 {
  color: #cc0033;
  font-size: 14px;
  margin: 0 0 4px;
}

.sk-flow-site p {
  font-size: 12px;
  color: #666;
  line-height: 1.6;
  margin: 0;
}

.sk-flow-stat {
  margin: 16px 0 0;
  background: #333;
  border-radius: 6px;
  padding: 14px 18px;
  color: #fff;
  text-align: center;
}

.sk-flow-stat .big {
  font-size: 28px;
  font-weight: 800;
  color: #ffd700;
}

.sk-flow-stat .desc {
  font-size: 13px;
  margin-top: 4px;
  opacity: 0.9;
}

/* =====図⑤ 資金繰り悪化の「5つの危険サイン」セルフチェック（文中挿入用）===== */
.sk-check-wrap {
  border: 1px solid #e0e0e0;
  border-radius: 4px;
  padding: 24px 20px 20px;
  margin: 0 0 30px;
  background: #fafafa;
}

.sk-check-title {
  font-size: 18px;
  font-weight: bold;
  text-align: center;
  margin: 0 0 6px !important;
  color: #cc0033;
}

.sk-check-sub {
  font-size: 13px;
  text-align: center;
  color: #777;
  margin: 0 0 16px;
}

.sk-check-list {
  list-style: none !important;
  padding: 0 !important;
  margin: 0 !important;
}

.sk-check-list li {
  list-style: none !important;
  list-style-type: none !important;
  font-size: 15px;
  color: #333;
  padding: 10px 0;
  border-bottom: 1px solid #e8e8e8;
  cursor: pointer;
  -webkit-user-select: none;
  user-select: none;
}

.sk-check-list li::before {
  display: none !important;
  content: none !important;
}

.sk-check-list li::marker {
  display: none !important;
  content: none !important;
}

.sk-check-list li:last-child {
  border-bottom: none;
}

.sk-check-list li:hover {
  background: rgba(204, 0, 51, 0.02);
}

.sk-check-inner {
  display: flex;
  align-items: flex-start;
  gap: 8px;
}

.sk-check-box {
  display: inline-block;
  min-width: 22px;
  width: 22px;
  height: 22px;
  border: 2px solid #999;
  border-radius: 4px;
  background: #fff;
  transition: all 0.2s;
  margin-top: 1px;
  flex-shrink: 0;
  position: relative;
}

.sk-check-list li.checked .sk-check-box {
  background: #cc0033;
  border-color: #cc0033;
}

.sk-check-list li.checked .sk-check-box::after {
  content: "";
  position: absolute;
  left: 5px;
  top: 2px;
  width: 7px;
  height: 11px;
  border: 2px solid #fff;
  border-top: none;
  border-left: none;
  transform: rotate(45deg);
}

.sk-check-num {
  display: inline-flex;
  min-width: 22px;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 12px;
  color: #999;
  background: #eee;
  flex-shrink: 0;
  margin-top: 1px;
  transition: all 0.2s;
}

.sk-check-list li.checked .sk-check-num {
  background: #cc0033;
  color: #fff;
}

.sk-check-text {
  flex: 1;
}

.sk-check-main {
  display: block;
  font-weight: 600;
}

.sk-check-desc {
  display: block;
  font-size: 13px;
  color: #777;
  margin-top: 3px;
  line-height: 1.5;
}

.sk-check-progress {
  margin-top: 16px;
  padding: 14px 18px;
  border-radius: 6px;
  background: #fff;
  border: 1.5px solid #cc0033;
}

.sk-check-prog-row {
  display: flex;
  justify-content: space-between;
  font-size: 15px;
  font-weight: bold;
  color: #cc0033;
  margin-bottom: 8px;
}

.sk-check-bar-bg {
  background: #f0d0d5;
  border-radius: 99px;
  height: 10px;
  overflow: hidden;
}

.sk-check-bar-fill {
  height: 100%;
  border-radius: 99px;
  background: #cc0033;
  width: 0%;
  transition: width 0.4s;
}

.sk-check-status {
  font-size: 14px;
  color: #555;
  margin-top: 8px;
  min-height: 18px;
}

/* =====図⑥ 資金繰り改善「守り×攻め」マトリクス（文中挿入用）===== */
.sk-mtx-wrap {
  border: 1px solid #e0e0e0;
  border-radius: 4px;
  padding: 24px 20px 20px;
  margin: 0 0 8px;
  background: #fff;
}

.sk-mtx-title {
  font-size: 18px;
  font-weight: bold;
  text-align: center;
  margin: 0 0 16px !important;
  color: #333;
}

.sk-mtx-principle {
  text-align: center;
  background: #f5f5f5;
  border-radius: 6px;
  padding: 12px;
  margin: 0 0 18px;
  font-size: 15px;
  font-weight: bold;
  color: #555;
}

.sk-mtx-principle span {
  color: #cc0033;
  font-size: 16px;
}

.sk-mtx-cards {
  display: flex;
  gap: 14px;
}

.sk-mtx-card {
  flex: 1;
  border-radius: 8px;
  padding: 18px;
  position: relative;
}

.sk-mtx-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  border-radius: 8px 8px 0 0;
}

.sk-mtx-def {
  background: #f0f6ff;
  border: 1px solid #d4e2fc;
}

.sk-mtx-def::before {
  background: #2e75b6;
}

.sk-mtx-off {
  background: #fff5f5;
  border: 1px solid #fcdada;
}

.sk-mtx-off::before {
  background: #cc0033;
}

.sk-mtx-tag {
  display: inline-block;
  padding: 3px 12px;
  border-radius: 20px;
  font-size: 11px;
  font-weight: bold;
  margin: 0 0 10px;
  color: #fff;
}

.sk-mtx-def .sk-mtx-tag {
  background: #2e75b6;
}

.sk-mtx-off .sk-mtx-tag {
  background: #cc0033;
}

.sk-mtx-card h4 {
  font-size: 14px;
  font-weight: bold;
  margin: 0 0 6px;
}

.sk-mtx-def h4 {
  color: #1a5276;
}

.sk-mtx-off h4 {
  color: #8b0000;
}

.sk-mtx-card > p {
  font-size: 13px;
  color: #555;
  line-height: 1.6;
  margin: 0 0 10px;
}

.sk-mtx-card ul {
  list-style: none !important;
  padding: 0 !important;
  margin: 0 !important;
}

.sk-mtx-card ul li {
  list-style: none !important;
  font-size: 12px;
  color: #666;
  padding: 3px 0 3px 16px;
  position: relative;
  line-height: 1.5;
}

.sk-mtx-card ul li::before {
  content: "✓";
  position: absolute;
  left: 0;
  font-weight: 800;
}

.sk-mtx-card ul li::marker {
  display: none !important;
  content: none !important;
}

.sk-mtx-def ul li::before {
  color: #2e75b6;
}

.sk-mtx-off ul li::before {
  color: #cc0033;
}

.sk-mtx-svc {
  display: inline-block;
  margin-top: 10px;
  padding: 5px 14px;
  border-radius: 4px;
  font-size: 12px;
  font-weight: bold;
  color: #fff;
}

.sk-mtx-def .sk-mtx-svc {
  background: #2e75b6;
  color: #fff;
  text-decoration: none;
  cursor: pointer;
}
.sk-mtx-def .sk-mtx-svc:hover {
  opacity: 0.65 !important;
  color: #fff;
}

.sk-mtx-off .sk-mtx-svc {
  background: #cc0033;
  color: #fff;
  text-decoration: none;
  cursor: pointer;
}
.sk-mtx-off .sk-mtx-svc:hover {
  opacity: 0.65 !important;
  color: #fff;
}

.sk-mtx-bottom {
  margin: 16px 0 0;
  background: #333;
  color: #fff;
  border-radius: 6px;
  padding: 12px 18px;
  text-align: center;
  font-size: 14px;
  line-height: 1.6;
}

.sk-mtx-bottom span {
  color: #ffd700;
  font-weight: bold;
}

/* =====図⑦ カード支払いで生まれるキャッシュフローの猶予期間（文中挿入用）===== */
.sk-tl-wrap {
  border: 1px solid #e0e0e0;
  border-radius: 4px;
  padding: 24px 20px 20px;
  margin: 0 0 8px;
  background: #fff;
}

.sk-tl-title {
  font-size: 18px;
  font-weight: bold;
  text-align: center;
  margin: 0 0 18px !important;
  color: #333;
}

.sk-tl-section {
  margin: 0 0 12px;
}

.sk-tl-label {
  font-size: 13px;
  font-weight: bold;
  margin: 0 0 8px;
  display: flex;
  align-items: center;
  gap: 6px;
}

.sk-tl-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  display: inline-block;
}

.sk-tl-bar {
  display: flex;
  height: 44px;
  border-radius: 6px;
  overflow: hidden;
  background: #eee;
}

.sk-tl-seg {
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: bold;
  color: #fff;
}

.sk-tl-gap {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  color: #999;
}

.sk-tl-grace {
  flex: 1;
  background: repeating-linear-gradient(45deg, #e8f0fe, #e8f0fe 5px, #d4e2fc 5px, #d4e2fc 10px);
  display: flex;
  align-items: center;
  justify-content: center;
}

.sk-tl-grace-tag {
  background: #fff;
  padding: 3px 12px;
  border-radius: 20px;
  font-size: 13px;
  font-weight: 800;
  color: #2e75b6;
  border: 2px solid #2e75b6;
}

.sk-tl-months {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: #999;
  padding: 4px 2px 0;
}

.sk-tl-vs {
  text-align: center;
  font-size: 20px;
  color: #2e75b6;
  font-weight: 800;
  margin: 8px 0;
}

.sk-tl-benefits {
  display: flex;
  gap: 12px;
  margin: 16px 0 0;
}

.sk-tl-benefit {
  flex: 1;
  background: #f5f5f5;
  border: 1px solid #e0e0e0;
  border-radius: 8px;
  padding: 14px;
  text-align: center;
}

.sk-tl-benefit .icon {
  display: block;
  margin: 0 auto 8px;
  width: 48px;
  height: 48px;
}

.sk-tl-benefit h4 {
  font-size: 13px;
  font-weight: bold;
  color: #333;
  margin: 0 0 4px;
}

.sk-tl-benefit p {
  font-size: 12px;
  color: #666;
  line-height: 1.5;
  margin: 0;
}

/* =====図⑧ 銀行融資 vs ビジネスローン 比較表（文中挿入用）===== */
.sk-loan-wrap {
  border: 1px solid #e0e0e0;
  border-radius: 4px;
  padding: 24px 20px 20px;
  margin: 0 0 8px;
  background: #fff;
}

.sk-loan-title {
  font-size: 18px;
  font-weight: bold;
  text-align: center;
  margin: 0 0 16px !important;
  color: #333;
}

.sk-loan-table {
  width: 100%;
  border-collapse: collapse;
}

.sk-loan-table th,
.sk-loan-table td {
  padding: 11px 14px;
  text-align: left;
  font-size: 13px;
  line-height: 1.5;
  border-bottom: 1px solid #eee;
  vertical-align: top;
}

.sk-loan-table thead th {
  background: #f5f5f5;
  font-weight: bold;
  color: #555;
  border-bottom: 2px solid #ddd;
  font-size: 12px;
}

.sk-loan-table thead th:first-child {
  width: 22%;
}

.sk-loan-table tbody td:first-child {
  font-weight: bold;
  color: #555;
  background: #f9f9f9;
}

.sk-loan-table tbody td:nth-child(2) {
  background: #fafafa;
}

.sk-loan-table tbody td:nth-child(3) {
  background: #fffafa;
}

.sk-loan-table tbody tr:last-child td {
  border-bottom: none;
}

.sk-loan-badge {
  display: inline-block;
  padding: 2px 8px;
  border-radius: 4px;
  font-size: 11px;
  font-weight: bold;
}

.sk-loan-badge.slow {
  background: #ffe0b2;
  color: #e65100;
}

.sk-loan-badge.fast {
  background: #c8e6c9;
  color: #2e7d32;
}

.sk-loan-badge.high {
  background: #ffcdd2;
  color: #c62828;
}

.sk-loan-badge.low {
  background: #c8e6c9;
  color: #2e7d32;
}

.sk-loan-badge.free {
  background: #e8eaf6;
  color: #283593;
}

.sk-loan-recs {
  display: flex;
  gap: 12px;
  margin: 16px 0 0;
}

.sk-loan-rec {
  flex: 1;
  border-radius: 8px;
  padding: 14px;
}

.sk-loan-rec.bank {
  background: #f5f5f5;
  border: 1px solid #e0e0e0;
}

.sk-loan-rec.loan {
  background: #fde8e8;
  border: 1px solid #fcdada;
}

.sk-loan-rec h4 {
  font-size: 13px;
  font-weight: bold;
  margin: 0 0 4px;
}

.sk-loan-rec.bank h4 {
  color: #555;
}

.sk-loan-rec.loan h4 {
  color: #cc0033;
}

.sk-loan-rec p {
  font-size: 12px;
  color: #666;
  line-height: 1.6;
  margin: 0;
}

.sk-loan-bottom {
  margin: 16px 0 0;
  background: #333;
  color: #fff;
  border-radius: 6px;
  padding: 12px 18px;
  text-align: center;
  font-size: 14px;
  line-height: 1.6;
}

.sk-loan-bottom span {
  color: #ffd700;
  font-weight: bold;
}

.sk-1__1 {
  color: #888;
  font-size: 12px;
}
.sk-1__2 {
  color: #cc0033;
  font-weight: 600;
}

.sk-2__1 {
  position: relative;
  width: 100%;
}
.sk-2__2 {
  width: 100%;
  height: 420px;
}

.sk-3__1 {
  font-size: 16px;
  margin-top: 8px;
}
.sk-3__2 {
  font-size: 12px;
  color: #cc0033;
  font-weight: 600;
  margin: 8px 0 0;
}

.sk-7__1 {
  background: #e53935;
}
.sk-7__2 {
  width: 18%;
  background: #e53935;
}
.sk-7__3 {
  background: #2e75b6;
}
.sk-7__4 {
  background: #f0f6ff;
}
.sk-7__5 {
  width: 15%;
  background: #2e75b6;
}
.sk-7__6 {
  width: 15%;
  background: #e53935;
}

.sk-8__1 {
  color: #cc0033;
}
.sk-8__2 {
  color: #888;
  font-size: 11px;
}
.sk-8__3 {
  color: #555;
}
.sk-8__4 {
  width: 100%;
}