/* Google Fonts の読み込みは index.html 側の非ブロックな link に移した（2026-09-20）。
   CSS の中から外部CSSを呼ぶと、この style.css を読み終えてから初めて
   フォントCSSの取得が始まる。描画までの待ち時間が直列に伸びるため外した。 */
/* ===== 資金繰り総研 — Editorial finance journal ===== */
:root{
  --ink:#103552; --ink-2:#19354A; --muted:#3E5468; --faint:#677A8A;
  --paper:#F6FAFD; --surface:#E9F1F8; --surface-2:#DEEAF4; --card:#FFFFFF;
  --line:#D2E4F0; --line-2:#E4EDF5;
  --brand:#123A5A; --brand-deep:#113655;
  --accent:#0F796D; --accent-deep:#0D685D; --accent-soft:#E3F6F3;

  /* 手段別カラー（落ち着いた誌面トーン） */
  --c-equity:#526678; --c-debt:#2F6098; --c-factoring:#BE8A28; --c-receivable:#3A7C92;
  --c-bnpl:#1DAD9B; --c-card:#3A8AC2; --c-lease:#475C6F; --c-subsidy:#B05680; --c-cash:#1E85DD; --c-cost:#2E8A86; --c-guarantee:#2E7D8A;

  --radius:11px; --radius-m:9px; --radius-s:7px;
  --maxw:1240px;
  --sans:"Noto Sans JP",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  --serif:"Zen Kaku Gothic New","Hiragino Kaku Gothic ProN","Noto Sans JP",sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink-2);background:var(--paper);line-height:1.85;font-size:21.5px;-webkit-font-smoothing:antialiased;letter-spacing:.01em}
a{color:inherit;text-decoration:none}
img,svg{display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px}
.wrap-narrow{max-width:920px;margin:0 auto;padding:0 28px}
.muted{color:var(--muted)}
.sample{font-size:18px;color:var(--faint)}
.nb{display:inline-block}
.ico{stroke:currentColor;fill:none;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round;flex:none}
.reveal{opacity:0;transform:translateY(14px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}

/* ===== per-pillar theme（同じ骨格・手段ごとの装い） ===== */
body.theme-equity{--accent:#495E71;--accent-deep:#344859;--accent-soft:#EEEAF6}
body.theme-debt{--accent:#2B5A8E;--accent-deep:#1F4470;--accent-soft:#E8F0F8}
body.theme-factoring{--accent:#1D78C4;--accent-deep:#1B4E74;--accent-soft:#FFF3C4}
body.theme-receivable{--accent:#2F6F84;--accent-deep:#21525F;--accent-soft:#E7F1F4}
body.theme-bnpl{--accent:#12A090;--accent-deep:#0F7C70;--accent-soft:#E4F6F4}
body.theme-card{--accent:#2D7FB8;--accent-deep:#1F5C87;--accent-soft:#E6F1F9}
body.theme-lease{--accent:#3B5163;--accent-deep:#273947;--accent-soft:#EEF5FA}
body.theme-subsidy{--accent:#A04A72;--accent-deep:#7E385A;--accent-soft:#F6E9EF}
body.theme-cashflow{--accent:#1C6CAE;--accent-deep:#1A4B71;--accent-soft:#E7F0F7}
body.theme-guarantee{--accent:#246E7C;--accent-deep:#184E58;--accent-soft:#EAF2F8}
body.theme-costopt{--accent:#16A897;--accent-deep:#108B7D;--accent-soft:#E3F6F3}
body.theme-shiire{--accent:#1560D8;--accent-deep:#0F47A8;--accent-soft:#E7F0FD}

/* editorial label */
.eyebrow{font-size:16px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--accent);display:inline-flex;align-items:center;gap:11px}
.eyebrow::before{content:"";width:26px;height:1px;background:var(--accent)}

/* ===== header ===== */
header.site{position:sticky;top:0;z-index:50;background:rgba(246,250,253,.88);backdrop-filter:saturate(180%) blur(14px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:28px;height:70px}
.logo{display:flex;align-items:center;gap:11px;font-family:var(--serif);font-weight:800;font-size:23px;color:var(--ink);letter-spacing:.02em}
.logo .mark{width:36px;height:36px;border-radius:8px;background:var(--brand);display:grid;place-items:center}
.logo .mark svg{width:19px;height:19px;stroke:var(--paper);stroke-width:2}
.logo small{display:block;font-family:var(--sans);font-size:12.5px;font-weight:500;color:var(--muted);letter-spacing:.06em;margin-top:2px}
.nav nav{display:flex;gap:22px;margin-left:8px}
.nav nav a{font-size:17px;font-weight:600;color:var(--ink-2)}
.nav nav a:hover{color:var(--accent)}
.nav .spacer{flex:1}
.btn{display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:19px;padding:11px 20px;border-radius:6px;border:1px solid transparent;cursor:pointer;transition:.16s;white-space:nowrap}
.btn .ico{width:16px;height:16px;stroke-width:2}
.btn-primary{background:var(--ink);color:var(--paper)}
.btn-primary:hover{background:#0E2E48}
.btn-teal{background:var(--accent);color:#fff}
.btn-teal:hover{background:var(--accent-deep)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--ink);background:rgba(14,46,72,.02)}
.btn-lg{padding:14px 26px;font-size:20.5px}

/* ===== hero (editorial, left-aligned + index) ===== */
.hero{position:relative;overflow:hidden;padding:74px 0 50px;border-bottom:1px solid var(--line);background:
  radial-gradient(78% 88% at 88% -8%, var(--accent-soft) 0%, transparent 52%),
  linear-gradient(180deg,#F9FCFE,var(--paper))}
.hero::before{content:"";position:absolute;top:-140px;right:-100px;width:500px;height:500px;border-radius:50%;background:radial-gradient(circle,color-mix(in srgb,var(--accent) 9%,transparent) 0%,transparent 70%);pointer-events:none;z-index:0}
.hero>.wrap{position:relative;z-index:1}
.hero-edit{display:grid;grid-template-columns:1.32fr .88fr;gap:56px;align-items:center}
.hero h1{font-family:var(--serif);font-size:59px;line-height:1.42;font-weight:800;color:var(--ink);margin-top:18px;letter-spacing:.015em}
.hero h1 .hl{color:var(--accent)}
.hero p.lead{font-size:22.5px;color:var(--ink-2);margin-top:22px;max-width:560px;line-height:2}
.hero .cta{margin-top:30px;display:flex;gap:12px;flex-wrap:wrap}
.hero .trust{margin-top:20px;font-size:18px;color:var(--muted);padding-left:13px;border-left:2px solid var(--line)}
/* index list */
.hero-index{border:1px solid var(--line);border-radius:10px;background:var(--card);padding:8px 0;box-shadow:0 18px 40px -28px rgba(16,53,82,.4)}
.hi-label{font-size:15.5px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);padding:14px 22px 10px;border-bottom:1px solid var(--line-2)}
.hero-index ol{list-style:none}
.hero-index li a{display:flex;align-items:center;gap:12px;padding:11px 22px;font-size:19px;font-weight:600;color:var(--ink);border-bottom:1px solid var(--line-2);transition:.14s}
.hero-index li:last-child a{border-bottom:0}
.hero-index li a:hover{background:var(--surface);padding-left:26px}
.hero-index .d{width:9px;height:9px;border-radius:2px;flex:none}
.hero-index em{margin-left:auto;font-style:normal;font-size:15.5px;font-weight:600;color:var(--faint)}

/* notice band (旧diagbar) */
.diagbar{background:var(--brand);border-radius:10px;padding:24px 30px;margin-top:42px;display:flex;align-items:center;gap:22px;color:var(--paper);flex-wrap:wrap}
.diagbar .di{width:48px;height:48px;border-radius:9px;background:rgba(255,255,255,.1);display:grid;place-items:center;flex:none}
.diagbar .di .ico{color:var(--paper);width:26px;height:26px}
.diagbar .dx{flex:1;min-width:240px}
.diagbar .dx b{font-family:var(--serif);font-size:25px;font-weight:700}
.diagbar .dx p{font-size:19.5px;opacity:.82;margin-top:4px}
.diagbar .btn{background:var(--paper);color:var(--brand)}
.diagbar .btn:hover{background:#fff}

/* ===== section ===== */
section.block{padding:72px 0}
section.block.alt{background:var(--surface)}
.shead{margin-bottom:34px}
.shead.center{text-align:center}
.shead.center .eyebrow{justify-content:center}
.shead h2{font-family:var(--serif);font-size:37px;font-weight:800;color:var(--ink);margin-top:14px;letter-spacing:.02em;line-height:1.5}
.shead p{color:var(--ink-2);font-size:20.5px;margin-top:11px;max-width:640px}
.shead.center p{margin-left:auto;margin-right:auto}
.shead .row{display:flex;align-items:flex-end;justify-content:space-between;gap:20px}
.shead a.more{font-weight:700;font-size:19px;color:var(--accent);white-space:nowrap;border-bottom:1px solid transparent}
.shead a.more:hover{border-color:var(--accent)}

/* ===== pillar grid ===== */
.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:11px;overflow:hidden}
.pillar{display:block;background:var(--card);padding:26px 24px;transition:.16s;position:relative}
.pillar::before{content:"";position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--c)}
.pillar:hover{background:#FAFCFE}
.pillar .top{display:flex;align-items:flex-start;gap:13px}
.pillar .pi{width:40px;height:40px;border-radius:8px;display:grid;place-items:center;border:1px solid var(--line);background:var(--paper)}
.pillar .pi .ico{color:var(--c);width:21px;height:21px}
.pillar h3{font-family:var(--serif);font-size:22.5px;font-weight:700;color:var(--ink)}
.pillar .nature{font-size:15.5px;font-weight:600;color:var(--c);margin-top:4px;display:inline-block}
.pillar .desc{font-size:19px;color:var(--muted);line-height:1.75;margin-top:14px}
.pillar .go{margin-top:14px;font-size:19px;font-weight:700;color:var(--ink);display:inline-flex;align-items:center;gap:6px;border-bottom:1px solid var(--line)}
.pillar:hover .go{color:var(--c);border-color:var(--c)}
.pillar .badge{font-family:var(--sans);font-size:15px;font-weight:700;padding:2px 8px;border-radius:3px;background:var(--accent-soft);color:var(--accent-deep);margin-left:7px;vertical-align:middle}
.pillar .role{font-family:var(--sans);font-size:15px;font-weight:700;padding:2px 8px;border-radius:3px;margin-left:6px;vertical-align:middle;letter-spacing:.03em}
.role-own{background:#E2F6F3;color:#0F7C70}
.role-cmp{background:#E8F0F8;color:#2B5A8E}
.role-guide{background:var(--surface-2);color:var(--muted)}
.rolekey{display:flex;gap:16px;flex-wrap:wrap;margin-top:18px;font-size:18px;color:var(--muted)}
.rolekey span{display:inline-flex;align-items:center;gap:7px}
.rolekey i{width:11px;height:11px;border-radius:3px;display:inline-block}

/* ===== comparison matrix ===== */
.matrixwrap{overflow-x:auto;border:1px solid var(--line);border-radius:9px;background:var(--card)}
.matrix{width:100%;border-collapse:separate;border-spacing:0;font-size:19px;min-width:760px}
.matrix th,.matrix td{padding:15px 16px;text-align:left;border-bottom:1px solid var(--line-2)}
.matrix thead th{font-weight:700;font-size:16.5px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);border-bottom:2px solid var(--ink);background:var(--paper)}
.matrix tbody tr:last-child td{border-bottom:0}
.matrix tbody tr:hover{background:var(--surface)}
.matrix .meth{font-family:var(--serif);font-weight:700;font-size:20.5px;color:var(--ink);display:flex;align-items:center;gap:10px;white-space:nowrap}
.matrix .dot{width:11px;height:11px;border-radius:2px;flex:none}
.matrix .g{color:var(--accent);font-weight:700}
.matrix .y{color:#1C6AA9;font-weight:700}
.matrix .r{color:#B23A2E;font-weight:700}
.lvl{display:inline-flex;gap:3px}
.lvl i{width:7px;height:15px;border-radius:1px;background:var(--line);display:inline-block}
.lvl i.on{background:var(--accent)}

/* ===== phases ===== */
.phases{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.phase{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:26px;position:relative}
.phase .ph{font-size:16px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--accent)}
.phase h3{font-family:var(--serif);font-size:22.5px;font-weight:700;margin:9px 0 13px;color:var(--ink)}
.phase ul{list-style:none;display:flex;flex-direction:column;gap:9px}
.phase ul li{font-size:19.5px;color:var(--ink-2);padding-left:18px;position:relative}
.phase ul li::before{content:"";position:absolute;left:0;top:11px;width:7px;height:1px;background:var(--accent)}

/* posts */
.posts{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.post{background:var(--card);border:1px solid var(--line);border-radius:10px;overflow:hidden;display:flex;flex-direction:column;transition:.16s}
.post:hover{border-color:var(--ink)}
.post .thumb{height:150px;display:grid;place-items:center;background:var(--surface);border-bottom:1px solid var(--line);position:relative}
.post .thumb .ico{width:34px;height:34px;color:rgba(16,53,82,.22);stroke-width:1.3}
.post .thumb .tag{position:absolute;left:14px;top:14px;font-size:16px;font-weight:700;color:#fff;padding:4px 11px;border-radius:3px}
.post .body{padding:18px 18px 20px;display:flex;flex-direction:column;gap:10px;flex:1}
.post h3{font-family:var(--serif);font-size:22.5px;font-weight:700;line-height:1.6;color:var(--ink)}
.post .pf{margin-top:auto;font-size:18px;color:var(--muted);display:flex;gap:9px}

/* stat / data */
.data{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.stat{display:flex;gap:18px;flex-wrap:wrap}
.stat .s{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:24px 26px;flex:1;min-width:150px}
.stat .s .n{font-family:var(--serif);font-size:49.5px;font-weight:800;color:var(--ink);line-height:1}
.stat .s .n .u{font-size:21.5px}
.stat .s .t{font-size:19px;color:var(--muted);margin-top:10px}

/* faq */
.faq{display:flex;flex-direction:column;gap:0;max-width:840px;margin:0 auto;border-top:1px solid var(--line)}
.qa{border-bottom:1px solid var(--line);background:transparent}
.qa summary{padding:20px 6px;font-weight:700;font-size:20.5px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:14px;list-style:none;color:var(--ink)}
.qa summary::-webkit-details-marker{display:none}
.qa summary .q{display:flex;gap:12px;font-family:var(--serif)}
.qa summary .q::before{content:"Q.";color:var(--accent);font-weight:800;flex:none}
.qa .plus{width:18px;height:18px;flex:none;position:relative;transition:.25s}
.qa[open] .plus{transform:rotate(45deg)}
.qa .plus::before,.qa .plus::after{content:"";position:absolute;background:var(--muted)}
.qa .plus::before{left:50%;top:1px;width:1.5px;height:16px;transform:translateX(-50%)}
.qa .plus::after{top:50%;left:1px;height:1.5px;width:16px;transform:translateY(-50%)}
.qa .a{padding:0 6px 22px 28px;color:var(--ink-2);font-size:19.5px}

/* cta / callout */
.callout{border-radius:12px;padding:46px 40px;color:var(--paper);position:relative;overflow:hidden;background:var(--brand);text-align:center}
.callout h2{font-family:var(--serif);font-size:31.5px;font-weight:800;letter-spacing:.02em;text-wrap:balance}
.callout p{margin:13px auto 0;opacity:.85;max-width:560px;text-wrap:balance}
.callout .actions{margin-top:24px;display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.callout .btn-teal{background:var(--accent)}
.callout .btn-ghost{background:transparent;color:var(--paper);border-color:rgba(255,255,255,.32)}
.callout .btn-ghost:hover{background:rgba(255,255,255,.1)}

/* neutrality strip */
.neutral{display:flex;gap:18px;align-items:center;background:var(--accent-soft);border:1px solid #CBF0EB;border-left:3px solid var(--accent);border-radius:10px;padding:24px 28px}
.neutral .ni{width:44px;height:44px;border-radius:9px;background:var(--card);display:grid;place-items:center;flex:none;border:1px solid #CBF0EB}
.neutral .ni .ico{color:var(--accent);width:23px;height:23px}
.neutral b{font-family:var(--serif);color:var(--ink);font-size:21.5px}
.neutral p{font-size:19.5px;color:var(--ink-2);margin-top:4px}

/* ===== breadcrumb ===== */
/* 単独パンくず帯は全ページ非表示（ヘッダー/セクション帯で場所が分かるため・空白帯の解消）。
   SEO用の階層は BreadcrumbList の構造化データ(JSON-LD・非表示)で別途付与する想定 */
.crumb{display:none}

/* ===== pillar / hub page ===== */
.hubhero{position:relative;overflow:hidden;padding:56px 0 50px;border-bottom:1px solid var(--line);border-top:3px solid var(--accent);background:linear-gradient(135deg,var(--accent-soft) 0%,var(--paper) 62%);--c:var(--accent)}
.hubhero::before{content:"";position:absolute;top:-110px;right:-60px;width:460px;height:460px;border-radius:50%;background:radial-gradient(circle,color-mix(in srgb,var(--accent) 16%,transparent) 0%,transparent 70%);pointer-events:none}
.hubhero::after{content:"";position:absolute;top:56px;right:6%;width:272px;height:214px;background:var(--accent);opacity:.14;-webkit-mask:url("data:image/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20viewBox%3D%270%200%20280%20220%27%3E%3Crect%20x%3D%2718%27%20y%3D%27150%27%20width%3D%2734%27%20height%3D%2752%27%20rx%3D%275%27%2F%3E%3Crect%20x%3D%2766%27%20y%3D%27122%27%20width%3D%2734%27%20height%3D%2780%27%20rx%3D%275%27%2F%3E%3Crect%20x%3D%27114%27%20y%3D%2796%27%20width%3D%2734%27%20height%3D%27106%27%20rx%3D%275%27%2F%3E%3Cpath%20d%3D%27M32%20112%20L96%2072%20L150%2092%20L212%2038%27%20fill%3D%27none%27%20stroke%3D%27%23000%27%20stroke-width%3D%279%27%20stroke-linecap%3D%27round%27%20stroke-linejoin%3D%27round%27%2F%3E%3Ccircle%20cx%3D%2732%27%20cy%3D%27112%27%20r%3D%279%27%2F%3E%3Ccircle%20cx%3D%2796%27%20cy%3D%2772%27%20r%3D%279%27%2F%3E%3Ccircle%20cx%3D%27150%27%20cy%3D%2792%27%20r%3D%279%27%2F%3E%3Ccircle%20cx%3D%27212%27%20cy%3D%2738%27%20r%3D%279%27%2F%3E%3Ccircle%20cx%3D%27236%27%20cy%3D%27162%27%20r%3D%2730%27%20fill%3D%27none%27%20stroke%3D%27%23000%27%20stroke-width%3D%278%27%2F%3E%3Cpath%20d%3D%27M236%20147%20v30%20M227%20156%20h18%20M227%20167%20h18%27%20stroke%3D%27%23000%27%20stroke-width%3D%275.5%27%20stroke-linecap%3D%27round%27%2F%3E%3C%2Fsvg%3E") center/contain no-repeat;mask:url("data:image/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20viewBox%3D%270%200%20280%20220%27%3E%3Crect%20x%3D%2718%27%20y%3D%27150%27%20width%3D%2734%27%20height%3D%2752%27%20rx%3D%275%27%2F%3E%3Crect%20x%3D%2766%27%20y%3D%27122%27%20width%3D%2734%27%20height%3D%2780%27%20rx%3D%275%27%2F%3E%3Crect%20x%3D%27114%27%20y%3D%2796%27%20width%3D%2734%27%20height%3D%27106%27%20rx%3D%275%27%2F%3E%3Cpath%20d%3D%27M32%20112%20L96%2072%20L150%2092%20L212%2038%27%20fill%3D%27none%27%20stroke%3D%27%23000%27%20stroke-width%3D%279%27%20stroke-linecap%3D%27round%27%20stroke-linejoin%3D%27round%27%2F%3E%3Ccircle%20cx%3D%2732%27%20cy%3D%27112%27%20r%3D%279%27%2F%3E%3Ccircle%20cx%3D%2796%27%20cy%3D%2772%27%20r%3D%279%27%2F%3E%3Ccircle%20cx%3D%27150%27%20cy%3D%2792%27%20r%3D%279%27%2F%3E%3Ccircle%20cx%3D%27212%27%20cy%3D%2738%27%20r%3D%279%27%2F%3E%3Ccircle%20cx%3D%27236%27%20cy%3D%27162%27%20r%3D%2730%27%20fill%3D%27none%27%20stroke%3D%27%23000%27%20stroke-width%3D%278%27%2F%3E%3Cpath%20d%3D%27M236%20147%20v30%20M227%20156%20h18%20M227%20167%20h18%27%20stroke%3D%27%23000%27%20stroke-width%3D%275.5%27%20stroke-linecap%3D%27round%27%2F%3E%3C%2Fsvg%3E") center/contain no-repeat;pointer-events:none}
.hubhero>*{position:relative;z-index:1}
.hubhero .tag{display:inline-flex;align-items:center;gap:9px;font-weight:800;font-size:18px;letter-spacing:.04em;color:var(--c);background:color-mix(in srgb,var(--accent) 9%,#fff);border:1px solid color-mix(in srgb,var(--accent) 26%,transparent);padding:5px 14px 5px 6px;border-radius:999px}
.hubhero .tag .pi{width:28px;height:28px;border-radius:7px;border:1px solid color-mix(in srgb,var(--accent) 25%,transparent);background:var(--card);display:grid;place-items:center;color:var(--c)}
.hubhero .tag .pi .ico{width:18px;height:18px}
.hubhero h1{font-family:var(--serif);font-size:44px;font-weight:800;margin-top:15px;line-height:1.45;color:var(--ink);max-width:860px;letter-spacing:.015em;text-wrap:balance}
.hubhero p{margin-top:16px;font-size:22.5px;color:var(--ink-2);max-width:720px;line-height:1.95}
.hubhero .actions{margin-top:26px;display:flex;gap:12px;flex-wrap:wrap}

.pointbox{background:linear-gradient(118deg,var(--accent-soft),#fff 70%);border:1px solid color-mix(in srgb,var(--accent) 16%,transparent);border-left:3px solid var(--accent);border-radius:12px;padding:26px 30px;margin:34px 0;box-shadow:0 1px 2px rgba(17,54,84,.03),0 14px 30px -26px rgba(17,54,84,.2)}
.pointbox h4{font-family:var(--serif);font-size:20.5px;font-weight:700;color:var(--ink);display:flex;align-items:center;gap:9px}
.pointbox ul{list-style:none;margin-top:13px;display:flex;flex-direction:column;gap:10px}
.pointbox ul li{font-size:21.5px;line-height:1.7;padding-left:24px;position:relative;color:var(--ink-2)}
.pointbox ul li .ico{position:absolute;left:0;top:4px;width:16px;height:16px;color:var(--accent);stroke-width:2.4}

.cluster{margin-top:34px}
.cluster h2{font-family:var(--serif);font-size:27.5px;font-weight:800;color:var(--ink);margin:40px 0 18px;display:flex;align-items:center;gap:13px;letter-spacing:.02em}
.cluster h2 .num{font-family:var(--sans);min-width:auto;height:auto;padding:0;font-size:16px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--accent);background:none;border-bottom:2px solid var(--accent);padding-bottom:2px}
.arts{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.art{display:flex;gap:13px;align-items:center;background:var(--card);border:1px solid var(--line);border-radius:11px;padding:18px 20px;transition:all .18s cubic-bezier(.2,.7,.2,1);position:relative;overflow:hidden;box-shadow:0 1px 2px rgba(17,54,84,.03)}
.art::before{content:"";position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--accent);transform:scaleY(0);transition:.18s;transform-origin:center}
.art::after{content:"→";position:absolute;right:16px;color:var(--accent);font-weight:800;opacity:0;transform:translateX(-4px);transition:.18s}
.art:hover{border-color:color-mix(in srgb,var(--accent) 45%,var(--line));transform:translateY(-2px);box-shadow:0 14px 28px -20px rgba(17,54,84,.32)}
.art:hover::before{transform:scaleY(1)}
.art:hover::after{opacity:1;transform:none}
.art:hover h3{padding-right:18px}
.art .ix{width:28px;height:28px;border-radius:50%;background:var(--accent-soft);color:var(--accent-deep);font-family:var(--serif);font-size:19.5px;font-weight:800;display:grid;place-items:center;flex:none}
.art h3{font-size:19.5px;font-weight:600;line-height:1.55;color:var(--ink);flex:1;transition:.18s}

.cmp{width:100%;border-collapse:separate;border-spacing:0;margin-top:8px;font-size:20.5px;background:var(--card);border:1px solid var(--line);border-radius:9px;overflow:hidden}
.cmp th,.cmp td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line-2)}
.cmp thead th{font-weight:700;font-size:18px;letter-spacing:.05em;text-transform:uppercase;color:var(--muted);border-bottom:2px solid var(--ink);background:var(--paper)}
.cmp tbody tr:last-child td{border-bottom:0}
.cmp .hi{font-weight:700;color:var(--ink);background:color-mix(in srgb,var(--accent) 5%,#fff)}
.tick{color:var(--accent);font-weight:800}
.cross{color:#B23A2E;font-weight:700}

/* provider teaser */
.provteaser{display:flex;gap:18px;align-items:center;background:var(--card);border:1px solid var(--line);border-radius:10px;padding:24px 26px;flex-wrap:wrap}
.provteaser .pv{width:46px;height:46px;border-radius:9px;background:var(--surface);display:grid;place-items:center;flex:none;border:1px solid var(--line)}
.provteaser .pv .ico{color:var(--accent);width:24px;height:24px}
.provteaser .tx{flex:1;min-width:240px}
.provteaser .tx b{font-family:var(--serif);font-size:21.5px;color:var(--ink)}
.provteaser .tx p{font-size:19.5px;color:var(--muted);margin-top:4px}

.crosslinks{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:14px}
.xl{display:flex;align-items:center;gap:11px;background:var(--card);border:1px solid var(--line);border-radius:8px;padding:15px 16px;font-size:19px;font-weight:600;color:var(--ink);transition:.14s}
.xl:hover{border-color:var(--ink);background:#FAFCFE}
.xl .d{width:10px;height:10px;border-radius:2px;flex:none}

/* ===== BNPL: two-sided / steps / reverse ===== */
.splitcards{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.splitcard{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:28px 26px;display:flex;flex-direction:column;gap:13px;position:relative;transition:.16s}
.splitcard::before{content:"";position:absolute;left:0;top:0;bottom:0;width:3px}
.splitcard.s-pay::before{background:var(--c-bnpl)}
.splitcard.s-offer::before{background:var(--brand)}
.splitcard:hover{background:#FAFCFE}
.splitcard .lab{font-size:16.5px;font-weight:700;letter-spacing:.05em}
.splitcard.s-pay .lab{color:var(--accent)}
.splitcard.s-offer .lab{color:var(--brand)}
.splitcard h3{font-family:var(--serif);font-size:26px;font-weight:800;color:var(--ink)}
.splitcard ul{list-style:none;display:flex;flex-direction:column;gap:9px}
.splitcard ul li{font-size:19px;color:var(--ink-2);padding-left:22px;position:relative}
.splitcard ul li .ico{position:absolute;left:0;top:4px;width:15px;height:15px;color:var(--accent);stroke-width:2.6}
.splitcard.s-offer ul li .ico{color:var(--brand)}
.splitcard .go{margin-top:auto;font-weight:700;font-size:19px;color:var(--ink);display:inline-flex;align-items:center;gap:7px;border-bottom:1px solid var(--line);align-self:flex-start;padding-bottom:2px}
.splitcard:hover .go{color:var(--accent);border-color:var(--accent)}

.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1px solid var(--line);border-radius:11px;overflow:hidden;background:var(--card)}
.step{padding:30px 26px;position:relative}
.step + .step{border-left:1px solid var(--line)}
.step .n{font-family:var(--serif);font-size:40.5px;font-weight:800;color:var(--accent);line-height:1}
.step h3{font-family:var(--serif);font-size:22.5px;font-weight:700;color:var(--ink);margin:14px 0 9px}
.step p{font-size:19.5px;color:var(--muted);line-height:1.8}
.step .who{margin-top:14px;font-size:15.5px;font-weight:700;letter-spacing:.04em;color:var(--accent);border:1px solid var(--line);padding:3px 11px;border-radius:3px;display:inline-block}

.reverse{background:var(--brand);color:var(--paper);border-radius:12px;padding:42px 40px}
.reverse .eyebrow{color:#85DBCF}
.reverse .eyebrow::before{background:#85DBCF}
.reverse h2{font-family:var(--serif);font-size:31.5px;font-weight:800;margin-top:14px;letter-spacing:.02em}
.reverse p{margin-top:13px;opacity:.85;max-width:580px}
.reverse .form{margin-top:24px;display:flex;gap:10px;flex-wrap:wrap}
.reverse .form input{flex:1;min-width:230px;padding:14px 16px;border-radius:6px;border:1px solid rgba(255,255,255,.22);background:rgba(255,255,255,.07);color:#fff;font-size:19.5px;font-family:inherit}
.reverse .form input::placeholder{color:rgba(255,255,255,.5)}
.reverse .form .btn-teal{background:var(--accent)}
.reverse .small{margin-top:13px;font-size:16.5px;opacity:.7}

/* ===== BNPL 自社プロダクト：プレミアムヒーロー ===== */
.bnplhero{position:relative;overflow:hidden;padding:54px 0 64px;color:#fff;border-bottom:3px solid var(--accent);
  background:radial-gradient(720px 400px at 86% 8%,rgba(18,160,144,.30),transparent 62%),linear-gradient(135deg,#113655,#123958)}
.bnplhero .wrap{position:relative}
.bnplgrid{display:grid;grid-template-columns:1.08fr .92fr;gap:50px;align-items:center}
.pdlock{display:inline-flex;align-items:center;gap:12px;margin-bottom:20px}
.pdlock .m{width:44px;height:44px;border-radius:11px;background:linear-gradient(140deg,var(--accent),#0F7C70);display:grid;place-items:center;font-family:var(--serif);font-weight:800;font-size:25px;color:#fff;border:1px solid rgba(255,255,255,.18)}
.pdlock b{font-family:var(--serif);font-size:25px;font-weight:800;letter-spacing:.05em;line-height:1.15;color:#fff}
.pdlock small{display:block;font-size:15.5px;color:rgba(255,255,255,.62);letter-spacing:.06em;margin-top:2px}
.bnplhero h1{font-family:var(--serif);font-size:49.5px;line-height:1.42;font-weight:800;color:#fff;letter-spacing:.015em;text-wrap:balance}
.bnplhero h1 em{font-style:normal;color:#76D6C9}
.bnplhero .lead{font-size:21.5px;color:rgba(255,255,255,.82);margin-top:18px;max-width:520px;line-height:1.95}
.bnplhero .cta{margin-top:28px;display:flex;gap:12px;flex-wrap:wrap}
.bnplhero .cta .btn-teal{background:var(--accent)}
.bnplhero .cta .btn-ghost{background:rgba(255,255,255,.08);color:#fff;border-color:rgba(255,255,255,.30)}
.bnplhero .cta .btn-ghost:hover{background:rgba(255,255,255,.16);border-color:rgba(255,255,255,.5)}
/* product visual */
.pdvis{position:relative;justify-self:center;width:100%;max-width:400px}
.pdvis .inv{background:#fff;border-radius:14px;padding:22px;color:var(--ink);box-shadow:0 34px 64px -22px rgba(14,46,72,.55)}
.pdvis .inv .r1{display:flex;justify-content:space-between;align-items:center;border-bottom:1px dashed var(--line);padding-bottom:13px}
.pdvis .inv .r1 b{font-size:18px;color:var(--muted);font-weight:700}
.pdvis .inv .lump{font-size:16px;font-weight:700;color:#1D7BCA;background:#ECF7FD;padding:3px 10px;border-radius:4px}
.pdvis .inv .amt{font-family:var(--serif);font-size:37px;font-weight:800;margin:15px 0 3px}
.pdvis .inv .amt small{font-size:19.5px;color:var(--muted);font-weight:600}
.pdvis .inv .sub{font-size:18px;color:var(--muted)}
.pdvis .arrow{text-align:center;color:#76D6C9;font-size:18px;font-weight:700;margin:13px 0;letter-spacing:.1em}
.pdvis .chips{display:flex;gap:8px;justify-content:center;flex-wrap:wrap}
.pdvis .chip{background:rgba(255,255,255,.96);color:var(--accent-deep);font-weight:700;font-size:19px;padding:9px 13px;border-radius:9px;border:1px solid rgba(255,255,255,.4)}
.pdvis .seller{margin-top:16px;display:flex;align-items:center;gap:11px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);border-radius:11px;padding:13px 16px}
.pdvis .seller .ico{color:#76D6C9;width:20px;height:20px;flex:none}
.pdvis .seller b{font-size:19.5px;color:#fff}.pdvis .seller span{font-size:16.5px;color:rgba(255,255,255,.72)}
/* value props (overlap hero) */
.pdvalues{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1px solid var(--line);border-radius:12px;overflow:hidden;background:var(--card);margin-top:-32px;position:relative;z-index:3;box-shadow:0 24px 48px -30px rgba(16,53,82,.4)}
.pdvalue{padding:24px;display:flex;gap:14px;align-items:flex-start}
.pdvalue + .pdvalue{border-left:1px solid var(--line)}
.pdvalue .vi{width:40px;height:40px;border-radius:10px;background:var(--accent-soft);display:grid;place-items:center;flex:none}
.pdvalue .vi .ico{color:var(--accent-deep);width:21px;height:21px}
.pdvalue b{font-family:var(--serif);font-size:20.5px;color:var(--ink);display:block}
.pdvalue p{font-size:19px;color:var(--muted);margin-top:4px;line-height:1.6}

/* ===== BNPL 業界別カード ===== */
.bizgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.bizcard{background:var(--card);border:1px solid var(--line);border-radius:11px;padding:22px;display:flex;flex-direction:column;gap:11px;transition:.16s;position:relative;overflow:hidden}
.bizcard::before{content:"";position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--accent);opacity:0;transition:.16s}
.bizcard:hover{border-color:var(--accent);transform:translateY(-2px);box-shadow:0 16px 32px -24px rgba(16,53,82,.45)}
.bizcard:hover::before{opacity:1}
.bizcard .bi{width:42px;height:42px;border-radius:10px;background:var(--accent-soft);display:grid;place-items:center}
.bizcard .bi .ico{color:var(--accent-deep);width:22px;height:22px}
.bizcard h3{font-family:var(--serif);font-size:22.5px;font-weight:700;color:var(--ink);display:flex;align-items:center;gap:8px;justify-content:space-between}
.bizcard .st{font-family:var(--sans);font-size:15px;font-weight:700;padding:2px 8px;border-radius:3px;white-space:nowrap}
.st-live{background:var(--accent-soft);color:var(--accent-deep)}
.st-soon{background:var(--surface-2);color:var(--muted)}
.bizcard .fee{font-size:19px;font-weight:700;color:var(--accent-deep)}
.bizcard .ex{font-size:18px;color:var(--muted);line-height:1.7;flex:1}
.bizcard .bizroles{display:flex;flex-direction:column;gap:9px;margin-top:auto;border-top:1px solid var(--line-2);padding-top:14px}
.bizrole{display:inline-flex;align-items:center;gap:9px;font-size:19px;font-weight:600;color:var(--ink);transition:.14s}
.bizrole .tag{font-size:14.5px;font-weight:700;padding:2px 7px;border-radius:3px;letter-spacing:.03em;white-space:nowrap}
.bizrole.r-offer .tag{background:#E9EEF5;color:var(--brand)}
.bizrole.r-pay .tag{background:var(--accent-soft);color:var(--accent-deep)}
a.bizrole:hover{color:var(--accent)}
.bizrole.dim{color:var(--faint);pointer-events:none}
.bizrole.dim .tag{background:var(--surface-2);color:var(--faint)}

/* ===== BNPL 図解（仕組み）===== */
.flow3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:0;border:1px solid var(--line);border-radius:12px;overflow:hidden;background:var(--card)}
.fstep{padding:32px 24px;text-align:center;position:relative}
.fstep + .fstep{border-left:1px solid var(--line)}
.fstep .fn{display:inline-grid;place-items:center;width:26px;height:26px;border-radius:50%;background:var(--accent);color:#fff;font-family:var(--serif);font-weight:800;font-size:19.5px;margin-bottom:16px}
.fstep .fi{width:62px;height:62px;border-radius:15px;background:var(--accent-soft);display:grid;place-items:center;margin:0 auto 16px}
.fstep .fi .ico{color:var(--accent-deep);width:30px;height:30px}
.fstep b{font-family:var(--serif);font-size:22.5px;color:var(--ink);display:block}
.fstep p{font-size:19px;color:var(--muted);margin-top:8px;line-height:1.75}
.fstep .who2{display:inline-block;margin-top:13px;font-size:16px;font-weight:700;color:var(--accent-deep);background:var(--accent-soft);padding:4px 12px;border-radius:999px}
/* 登場人物（3者）*/
.fcast{display:flex;gap:10px;justify-content:center;flex-wrap:wrap;margin-bottom:18px}
.fcast .c{display:inline-flex;align-items:center;gap:8px;font-size:19px;font-weight:700;color:var(--ink);background:var(--card);border:1px solid var(--line);border-radius:999px;padding:7px 14px}
.fcast .c .d{width:10px;height:10px;border-radius:2px;flex:none}
.fcast .c em{font-style:normal;color:var(--muted);font-weight:500;font-size:16.5px}
.factor{font-size:16px;font-weight:800;letter-spacing:.03em;padding:3px 11px;border-radius:999px;display:inline-block;margin-bottom:13px}
.factor.prov{background:#E9EEF5;color:#123A5A}
.factor.pd{background:var(--accent-soft);color:var(--accent-deep)}
.factor.you{background:#ECF7FD;color:#1D7BCA}
.fmoney{margin-top:13px;font-family:var(--serif);font-weight:800;font-size:21.5px;color:var(--ink)}
.fmoney small{font-size:16.5px;color:var(--muted);font-weight:600;font-family:var(--sans)}
.fstep:not(:first-child)::before{content:"";position:absolute;left:-9px;top:84px;width:16px;height:16px;background:var(--card);border-top:1px solid var(--line);border-right:1px solid var(--line);transform:rotate(45deg);z-index:3}
.flowsum{margin-top:14px;background:var(--accent-soft);border:1px solid #CBF0EB;border-radius:10px;padding:16px 22px;font-size:19px;color:var(--ink-2);text-align:center;line-height:1.7}
.flowsum b{color:var(--accent-deep)}

/* 初心者向け：TL;DR ＋ before/after */
.tldr{background:var(--accent-soft);border:1px solid #CBF0EB;border-radius:14px;padding:28px 34px;text-align:center}
.tldr .k{font-size:16px;font-weight:800;letter-spacing:.16em;color:var(--accent-deep);text-transform:uppercase}
.tldr p{font-family:var(--serif);font-size:27.5px;color:var(--ink);line-height:1.9;margin-top:12px;text-wrap:balance}
.tldr p .hl{background:linear-gradient(transparent 60%,#C1EEE7 60%);font-weight:800}
.ba{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:16px;align-items:stretch}
.bacard{border:1px solid var(--line);border-radius:12px;padding:26px 24px;background:var(--card);text-align:center;display:flex;flex-direction:column}
.bacard .lab{font-size:18px;font-weight:800;padding:4px 13px;border-radius:999px;display:inline-block;margin:0 auto 16px}
.bacard.no .lab{background:#ECF7FD;color:#1D7BCA}
.bacard.yes{border-color:#C1EEE7;background:linear-gradient(180deg,var(--accent-soft),#fff)}
.bacard.yes .lab{background:var(--accent);color:#fff}
.bacard .big{font-family:var(--serif);font-size:36px;font-weight:800;color:var(--ink);line-height:1.1}
.bacard.no .big{color:#1D7BCA}
.bacard .cap{font-size:19px;color:var(--muted);margin-top:8px}
.bachips{display:flex;gap:6px;justify-content:center;flex-wrap:wrap}
.bachips span{font-size:18px;font-weight:700;color:var(--accent-deep);background:#fff;border:1px solid #C1EEE7;border-radius:8px;padding:7px 10px}
.bacard .feel{margin-top:auto;padding-top:16px;font-size:19.5px;font-weight:700;line-height:1.6}
.bacard.no .feel{color:#1D7BCA}
.bacard.yes .feel{color:var(--accent-deep)}

/* 両者それぞれの得 */
.twoben{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:16px}
.benbox{border:1px solid var(--line);border-radius:14px;overflow:hidden;background:var(--card);display:flex;flex-direction:column}
.benbox .bh{padding:14px 20px;display:flex;align-items:center;gap:9px;font-weight:800;font-size:19.5px;color:#fff}
.benbox .bh .ico{width:18px;height:18px;color:#fff;flex:none}
.benbox .bh small{font-weight:500;font-size:16px;opacity:.85}
.benbox.pay .bh{background:#1D7BCA}
.benbox.prov .bh{background:#123A5A}
.benbox .bd{padding:24px 22px;display:flex;flex-direction:column;gap:12px;flex:1}
.benbox .use{font-size:15.5px;font-weight:800;letter-spacing:.1em;color:var(--accent-deep);text-transform:uppercase}
.benbox .ex{font-size:19.5px;color:var(--muted);font-weight:600}
.benbox .bchips{display:flex;gap:8px;flex-wrap:wrap}
.benbox .bchips span{font-family:var(--serif);font-size:21.5px;font-weight:800;color:var(--accent-deep);background:var(--accent-soft);border:1px solid #C1EEE7;border-radius:9px;padding:9px 13px}
.benbox .bone{font-family:var(--serif);font-size:25px;font-weight:800;color:var(--ink)}
.benbox .bennote{font-size:19.5px;color:var(--ink-2);line-height:1.8;margin-top:auto;padding-top:8px;border-top:1px solid var(--line-2)}
.benbox .bennote b{color:var(--accent-deep)}
.benbox.prov .bennote b{color:#123A5A}

/* ===== PD 製品ヘッダー（BNPLセクション専用・会社ヘッダーの下）===== */
.pdheader{position:sticky;top:69px;z-index:45;background:var(--accent-soft);border-bottom:1px solid color-mix(in srgb,var(--accent) 22%,transparent)}
.pdheader .in{display:flex;align-items:center;gap:24px;height:52px}
.pdhlock{display:flex;align-items:center;gap:9px}
.pdhlock .m{width:30px;height:30px;border-radius:8px;background:linear-gradient(140deg,var(--accent),var(--accent-deep));display:grid;place-items:center;font-family:var(--serif);font-weight:800;font-size:19.5px;color:#fff}
.pdhlock .m svg{width:16px;height:16px;stroke:#fff;fill:none;stroke-width:2}
.pdhlock b{font-family:var(--serif);font-size:20.5px;font-weight:800;color:var(--ink);letter-spacing:.05em}
.pdhlock small{font-size:15.5px;color:var(--muted)}
.pdhnav{display:flex;gap:22px;margin-left:6px}
.pdhnav a{font-size:19.5px;font-weight:600;color:var(--ink-2)}
.pdhnav a:hover{color:var(--accent-deep)}
.pdheader .spacer{flex:1}
.pdheader .btn{padding:8px 16px;font-size:17.5px}

/* ===== PD 製品フッター（BNPLセクション専用・会社フッターの上）===== */
.pdfooter{background:var(--accent-soft);border-top:3px solid var(--accent)}
.pdfooter .wrap{padding-top:46px;padding-bottom:44px}
.pdfooter .head{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;align-items:center;padding-bottom:26px;margin-bottom:28px;border-bottom:1px solid color-mix(in srgb,var(--accent) 22%,transparent)}
.pdbrand{display:flex;align-items:center;gap:12px}
.pdbrand .m{width:46px;height:46px;border-radius:11px;background:linear-gradient(140deg,var(--accent),var(--accent-deep));display:grid;place-items:center;font-family:var(--serif);font-weight:800;font-size:26px;color:#fff}
.pdbrand .m svg{width:22px;height:22px;stroke:#fff;fill:none;stroke-width:1.9}
.pdbrand b{font-family:var(--serif);font-size:26px;font-weight:800;color:var(--ink);display:block;letter-spacing:.05em;line-height:1.15}
.pdbrand small{font-size:16px;color:var(--muted)}
.pdfooter .acts{display:flex;gap:10px;flex-wrap:wrap}
.pdfcols{display:grid;grid-template-columns:1.05fr 1.05fr .9fr;gap:32px}
.pdfcol h5{font-family:var(--serif);font-size:19px;font-weight:700;color:var(--ink);margin-bottom:15px;display:flex;align-items:center;gap:9px}
.pdfcol h5 .dot{width:10px;height:10px;border-radius:2px;flex:none}
.pdflist{display:flex;flex-direction:column;gap:11px}
.pdflist a,.pdflist span{font-size:19.5px;color:var(--ink-2);display:inline-flex;align-items:center;gap:8px;line-height:1.4}
.pdflist a{font-weight:600}
.pdflist a:hover{color:var(--accent-deep)}
.pdflist .nolink{color:var(--faint)}
.pdflist .soon{font-size:14.5px;font-weight:700;color:var(--faint);background:#fff;border:1px solid color-mix(in srgb,var(--accent) 22%,transparent);padding:1px 6px;border-radius:3px}

/* ===== 提供企業 図鑑（MECE分類）===== */
.zukan-intro{font-size:19.5px;color:var(--ink-2);margin:-4px 0 16px;line-height:1.85}
.zukannav{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:24px}
.zukannav a{font-size:19px;font-weight:700;padding:8px 15px;border-radius:999px;border:1px solid var(--line);color:var(--ink-2);background:var(--card);transition:.14s}
.zukannav a:hover{border-color:var(--accent);color:var(--accent-deep);background:var(--accent-soft)}
.zgroup{margin-bottom:30px;scroll-margin-top:140px}
.zgroup .gh{display:flex;align-items:baseline;gap:12px;margin-bottom:13px;flex-wrap:wrap;padding-bottom:10px;border-bottom:2px solid var(--accent)}
.zgroup .gh h3{font-family:var(--serif);font-size:25px;font-weight:800;color:var(--ink)}
.zgroup .gh .cnt{font-size:16.5px;font-weight:700;color:var(--accent-deep);background:var(--accent-soft);padding:2px 10px;border-radius:999px}
.zgroup .gh .gd{font-size:19px;color:var(--muted);margin-left:auto}
.ztwrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
.ztable{width:100%;border-collapse:separate;border-spacing:0;font-size:19px;background:var(--card);border:1px solid var(--line);border-radius:10px;overflow:hidden;min-width:580px}
.ztable th,.ztable td{padding:13px 15px;text-align:left;border-bottom:1px solid var(--line-2);vertical-align:middle}
.ztable thead th{font-size:16px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--muted);background:var(--paper);border-bottom:2px solid var(--ink)}
.ztable tbody tr:last-child td{border-bottom:0}
.ztable tbody tr:hover{background:var(--surface)}
.ztable .pname{font-weight:700;color:var(--ink);display:flex;align-items:center;gap:8px;white-space:nowrap}
.ztable .pname .tg{font-size:14.5px;font-weight:700;padding:1px 7px;border-radius:3px;background:var(--accent-soft);color:var(--accent-deep);white-space:nowrap}
.ztable .lo{color:var(--accent-deep);font-weight:700}
.ztable .hi2{color:#B23A2E;font-weight:700}
.ztable .go3{font-weight:700;color:var(--accent-deep);white-space:nowrap}
.zmore{margin-top:11px;font-size:19px;font-weight:700;color:var(--accent-deep);display:inline-flex;gap:6px;align-items:center;border-bottom:1px solid color-mix(in srgb,var(--accent) 32%,transparent);padding-bottom:1px}
/* イラスト付きカード型 図鑑 */
.zsec{margin-bottom:30px;scroll-margin-top:140px}
.zhead2{display:flex;align-items:center;gap:18px;background:linear-gradient(120deg,var(--accent-soft),#fff);border:1px solid color-mix(in srgb,var(--accent) 16%,transparent);border-radius:16px;padding:18px 22px;margin-bottom:16px}
.zhead2 .ill{width:68px;height:68px;border-radius:18px;background:#fff;border:1px solid color-mix(in srgb,var(--accent) 18%,transparent);display:grid;place-items:center;flex:none;box-shadow:0 8px 20px -14px rgba(16,53,82,.35)}
.zhead2 .ill svg{width:40px;height:40px;stroke:var(--accent-deep);fill:none;stroke-width:1.4;stroke-linecap:round;stroke-linejoin:round}
.zhead2 h3{font-family:var(--serif);font-size:25px;font-weight:800;color:var(--ink);display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.zhead2 h3 .cnt{font-size:16px;font-weight:700;color:var(--accent-deep);background:#fff;border:1px solid color-mix(in srgb,var(--accent) 20%,transparent);padding:2px 9px;border-radius:999px}
.zhead2 p{font-size:19.5px;color:var(--ink-2);margin-top:5px;line-height:1.7}
.zcards{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.zcard{border:1px solid var(--line);border-radius:13px;padding:22px 24px;background:var(--card);display:flex;flex-direction:column;gap:14px;transition:.16s}
.zcard:hover{border-color:var(--accent);box-shadow:0 16px 32px -24px rgba(16,53,82,.42);transform:translateY(-2px)}
.zc-top{display:flex;align-items:center;gap:12px}
.zc-ic{width:44px;height:44px;border-radius:12px;background:var(--accent-soft);display:grid;place-items:center;flex:none}
.zc-ic svg{width:23px;height:23px;stroke:var(--accent-deep);fill:none;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
.zc-name{font-family:var(--serif);font-weight:700;font-size:20.5px;color:var(--ink);line-height:1.35}
.zc-tag{font-size:14.5px;font-weight:700;padding:1px 8px;border-radius:3px;background:var(--surface-2);color:var(--muted);display:inline-block;margin-top:4px}
.zstats{display:flex;gap:10px}
.zstat{flex:1;background:var(--surface);border:1px solid var(--line);border-radius:9px;padding:10px 12px}
.zstat .k{font-size:16px;color:var(--muted);font-weight:700;letter-spacing:.04em}
.zstat .v{font-size:19.5px;font-weight:800;margin-top:4px;display:flex;align-items:center;gap:6px;color:var(--ink)}
.zstat .v::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--muted);flex:none}
.zstat .v.good{color:var(--accent-deep)}.zstat .v.good::before{background:var(--accent)}
.zstat .v.warn{color:#1C6AA9}.zstat .v.warn::before{background:#C99A2E}
.zstat .v.bad{color:#B23A2E}.zstat .v.bad::before{background:#C0503F}
.zcase{font-size:19px;color:var(--ink-2);background:var(--paper);border:1px solid var(--line-2);border-left:3px solid var(--accent);border-radius:0 8px 8px 0;padding:8px 12px;line-height:1.6}
.zcase b{color:var(--ink)}
a.zcard{text-decoration:none}
.zcard .zmlink{margin-top:auto;font-size:19px;font-weight:700;color:var(--accent-deep);display:inline-flex;align-items:center;gap:5px}
a.zcard:hover .zmlink{gap:9px}

/* カテゴリ一覧：フィルタ */
.zfilter{display:flex;gap:8px;flex-wrap:wrap;align-items:center;margin-bottom:22px;background:var(--card);border:1px solid var(--line);border-radius:12px;padding:14px 16px}
.zfilter .lbl{font-size:16.5px;color:var(--muted);font-weight:800;letter-spacing:.04em;margin-right:2px}
.zfilter a{font-size:19px;font-weight:700;padding:7px 14px;border-radius:999px;border:1px solid var(--line);color:var(--ink-2);background:var(--paper);transition:.14s}
.zfilter a.on{background:var(--accent);color:#fff;border-color:var(--accent)}
.zfilter a:hover{border-color:var(--accent);color:var(--accent-deep)}
.zfilter a.on:hover{color:#fff}

/* 提供者 詳細：ヒーローの数値 */
.pstats{display:flex;gap:12px;flex-wrap:wrap;margin-top:20px}
.pstat{background:#fff;border:1px solid var(--line);border-radius:11px;padding:13px 18px;min-width:118px}
.pstat .k{font-size:15.5px;color:var(--muted);font-weight:700;letter-spacing:.04em}
.pstat .v{font-family:var(--serif);font-size:22.5px;font-weight:800;color:var(--ink);margin-top:4px}
.pstat .v.good{color:var(--accent-deep)}.pstat .v.warn{color:#1C6AA9}.pstat .v.bad{color:#B23A2E}

/* メリット・デメリット */
.proscons{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.pc{border:1px solid var(--line);border-radius:13px;padding:22px 24px;background:var(--card)}
.pc.pro{border-color:#C1EEE7;background:linear-gradient(180deg,var(--accent-soft),#fff)}
.pc.con{border-color:#D2E4F0;background:linear-gradient(180deg,#ECF7FD,#fff)}
.pc h4{font-family:var(--serif);font-size:21.5px;font-weight:800;display:flex;align-items:center;gap:8px;color:var(--ink)}
.pc.pro h4{color:var(--accent-deep)}.pc.con h4{color:#1D7BCA}
.pc ul{list-style:none;margin-top:13px;display:flex;flex-direction:column;gap:10px}
.pc ul li{font-size:19px;color:var(--ink-2);padding-left:24px;position:relative;line-height:1.6}
.pc ul li::before{position:absolute;left:0;top:0;font-weight:800}
.pc.pro ul li::before{content:"○";color:var(--accent)}
.pc.con ul li::before{content:"△";color:#C99A2E}
.doclist{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:8px}
.doclist .d{display:flex;align-items:center;gap:10px;background:var(--card);border:1px solid var(--line);border-radius:9px;padding:12px 15px;font-size:19px;font-weight:600;color:var(--ink)}
.doclist .d .n{width:24px;height:24px;border-radius:7px;background:var(--accent-soft);color:var(--accent-deep);display:grid;place-items:center;font-size:18px;font-weight:800;flex:none}

/* ===== article page ===== */
.article-wrap{display:grid;grid-template-columns:1fr 300px;gap:44px;padding:34px 0 64px;align-items:start}
.metabar{display:flex;align-items:center;gap:13px;flex-wrap:wrap;font-size:19px;color:var(--muted);margin:12px 0 18px}
.metabar .cat{font-weight:700;color:#fff;background:var(--accent);padding:4px 11px;border-radius:3px;font-size:16.5px}
.article h1{font-family:var(--serif);font-size:40.5px;font-weight:800;color:var(--ink);line-height:1.5;letter-spacing:.015em}
.heroimg{height:300px;border-radius:11px;background:var(--surface);border:1px solid var(--line);display:grid;place-items:center;margin:12px 0 26px}
.heroimg .ico{width:50px;height:50px;color:rgba(16,53,82,.2);stroke-width:1.1}
.toc{background:var(--card);border:1px solid var(--line);border-radius:9px;padding:24px 28px;margin:34px 0 38px}
.toc b{font-family:var(--serif);font-size:19.5px;font-weight:700;color:var(--ink);display:flex;align-items:center;gap:9px}
.toc ol{margin:14px 0 0 0;padding-left:18px;display:flex;flex-direction:column;gap:9px}
.toc ol li{font-size:19.5px}
.toc ol li a{color:var(--ink-2)}.toc ol li a:hover{color:var(--accent)}
.prose{font-size:25px;line-height:2.15;color:var(--ink-2)}
.prose h2{font-family:var(--serif);font-size:31.5px;font-weight:800;color:var(--ink);margin:42px 0 16px;padding-bottom:12px;border-bottom:1px solid var(--line);letter-spacing:.015em}
.prose h3{font-family:var(--serif);font-size:26px;font-weight:700;color:var(--ink);margin:28px 0 11px}
.prose p{margin:16px 0}
.prose ul,.prose ol{margin:16px 0 16px 22px;display:flex;flex-direction:column;gap:11px}
.prose .imgph{width:100%;height:220px;border-radius:9px;background:var(--surface);border:1px solid var(--line);display:grid;place-items:center;margin:20px 0;color:rgba(16,53,82,.2)}
.prose .cap{font-size:18px;color:var(--faint);text-align:center;margin-top:-10px}
/* 比較表(.cmp)直後の注釈は、画像用の負マージン(-10px)だと表に被るので上書き：正の余白＋左寄せで読みやすく */
.prose .cmp + .cap{margin-top:18px;margin-bottom:6px;text-align:left;font-size:19px;line-height:1.85;color:var(--muted)}
.prose blockquote{border-left:3px solid var(--accent);background:var(--accent-soft);padding:16px 22px;border-radius:0 8px 8px 0;margin:20px 0;color:var(--ink-2);font-family:var(--serif);font-size:21.5px}
.source{font-size:19px;color:var(--muted);border-top:1px solid var(--line);margin-top:32px;padding-top:18px}
.authorbox{display:flex;gap:16px;background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:22px;margin-top:26px;align-items:center}
.authorbox .ava{width:54px;height:54px;border-radius:50%;flex:none;background:var(--brand);display:grid;place-items:center}
.authorbox .ava .ico{color:var(--paper);width:25px;height:25px}
.authorbox h4{font-family:var(--serif);font-size:19.5px;font-weight:700;color:var(--ink)}
.authorbox p{font-size:19px;color:var(--muted);margin-top:3px}
.sidebar{display:flex;flex-direction:column;gap:20px;position:sticky;top:92px}
.widget{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:22px}
.widget h4{font-family:var(--serif);font-size:19.5px;font-weight:700;color:var(--ink);margin-bottom:15px;display:flex;align-items:center;gap:9px}
.widget.cta{background:var(--brand);color:var(--paper);text-align:center}
.widget.cta h4{color:var(--paper);justify-content:center}
.widget.cta p{font-size:19px;opacity:.85;margin-bottom:15px}
.wlist{display:flex;flex-direction:column;gap:14px}
.wlist a{display:flex;gap:11px;font-size:19px;font-weight:600;line-height:1.55;color:var(--ink)}
.wlist a:hover{color:var(--accent)}
.wlist a .nidx{font-family:var(--serif);color:var(--accent);font-weight:700;flex:none}
.wmethods{display:flex;flex-direction:column;gap:2px}
.wmethods a{display:flex;align-items:center;gap:11px;font-size:19px;font-weight:600;padding:8px 0;color:var(--ink);border-bottom:1px solid var(--line-2)}
.wmethods a:last-child{border-bottom:0}
.wmethods a:hover{color:var(--accent)}
.wmethods a .d{width:9px;height:9px;border-radius:2px;flex:none}

/* ===== footer ===== */
footer.site{background:var(--brand-deep);color:#9FAFBC;padding:60px 0 32px;font-size:17px}
footer.site .cols{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:34px}
footer.site .logo{color:#fff;font-family:var(--serif)}footer.site .logo small{color:#617485}
footer.site .logo .mark{background:rgba(255,255,255,.1)}
footer.site h4{color:#fff;font-size:14.5px;letter-spacing:.08em;margin-bottom:15px;font-weight:700;text-transform:uppercase}
footer.site ul{list-style:none;display:flex;flex-direction:column;gap:10px}
footer.site a:hover{color:#fff}
footer.site .about{font-size:17px;line-height:1.9;color:#6F8292;margin-top:15px}
footer.site .ymyl{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.08);border-radius:9px;padding:16px 20px;margin-top:22px;font-size:16px;color:#6F8292;line-height:1.8}
footer.site .legal{border-top:1px solid rgba(255,255,255,.1);margin-top:30px;padding-top:22px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;color:#617485;font-size:16px}

/* ===== quality polish（全ページ共通の質感アップ）===== */
body{font-feature-settings:"palt";text-rendering:optimizeLegibility;-moz-osx-font-smoothing:grayscale}
h1,h2,h3,h4,.zc-name,.pdbrand b{font-feature-settings:"palt"}
/* 数字は等幅で桁を揃える（金額・統計）*/
.pstat .v,.zstat .v,.bacard .big,.bachips span,.benbox .bchips span,.invoice .amt,.pdvis .inv .amt,.stat .s .n,.matrix td,.cmp td,.ztable td,.fmoney,.tldr p,.amt{font-variant-numeric:tabular-nums}
/* コンテンツカードに上品な奥行き */
.zcard,.post,.bizcard,.pc,.benbox{box-shadow:0 1px 2px rgba(17,54,84,.03),0 12px 28px -20px rgba(17,54,84,.24)}
.zcard:hover,.post:hover,.bizcard:hover{box-shadow:0 2px 6px rgba(17,54,84,.06),0 26px 46px -22px rgba(17,54,84,.34)}
.zhead2{box-shadow:0 1px 2px rgba(17,54,84,.03),0 16px 34px -26px rgba(17,54,84,.22)}
.zhead2 .ill{box-shadow:0 12px 26px -13px color-mix(in srgb,var(--accent) 46%,transparent)}
.pstat,.zstat{box-shadow:0 1px 2px rgba(17,54,84,.03)}
/* ボタンに微かな立体感 */
.btn-teal,.btn-primary{box-shadow:0 2px 6px -2px color-mix(in srgb,var(--accent) 48%,transparent),0 1px 1px rgba(16,52,81,.08)}
.btn-teal:hover,.btn-primary:hover{transform:translateY(-1px)}
/* 大きな面はより深い影で締める */
.callout,.reverse,.bnplhero,.diagbar{box-shadow:0 24px 56px -30px rgba(16,52,80,.55)}
/* セクション見出しに極細の装飾罫 */
.cluster h2{position:relative}
/* なめらかな共通トランジション */
a,.btn,.zcard,.post,.pillar,.bizcard,.cat,.qa{transition:all .2s cubic-bezier(.2,.7,.2,1)}

@media(max-width:920px){
  .nav nav{display:none}
  .logo{flex-shrink:0;min-width:0}
  .logo span{white-space:nowrap}
  .pdhnav{display:none}
  .hero-edit{grid-template-columns:1fr;gap:34px}
  .pillars,.posts,.phases,.data,.crosslinks,.splitcards,.steps,.bnplgrid,.pdvalues,.bizgrid,.pdfcols,.flow3,.ba,.twoben,.zcards,.proscons,.doclist{grid-template-columns:1fr}
  .pdfcol{margin-bottom:8px}
  .fstep + .fstep{border-left:0;border-top:1px solid var(--line)}
  .fstep:not(:first-child)::before{left:50%;top:-9px;transform:translateX(-50%) rotate(135deg)}
  .step + .step{border-left:0;border-top:1px solid var(--line)}
  .pdvalue + .pdvalue{border-left:0;border-top:1px solid var(--line)}
  .pdvis{margin-top:8px}
  .bnplhero h1{font-size:38px}
  .arts{grid-template-columns:1fr}
  .art:nth-child(odd){border-right:0}
  .article-wrap{grid-template-columns:1fr}
  .sidebar{position:static}
  footer.site .cols{grid-template-columns:1fr 1fr}
  .hero h1{font-size:43px}.hubhero h1{font-size:33.5px}.article h1{font-size:32.5px}
  .nb{display:inline}
}

/* === 記事の視認性アップ（全記事共通・2026-06-18） === */
.prose h2{padding-left:18px;border-left:5px solid var(--accent)}
.prose h3{padding-left:13px;border-left:3px solid var(--accent-soft)}
.prose ul li{list-style:none;position:relative}
.prose ul li::before{content:"";position:absolute;left:-17px;top:.78em;width:7px;height:7px;border-radius:50%;background:var(--accent);opacity:.6}
.prose ol{counter-reset:pol}
.cmp tbody tr:nth-child(even) td{background:rgba(14,46,72,.022)}

.prose>p:first-of-type{font-size:26px;color:var(--ink)}

/* === スマホのヘッダー・ロゴ崩れ対策（2026-07-06） === */
@media(max-width:600px){
  header.site .nav{gap:10px;height:60px}
  header.site .logo{font-size:19.5px;gap:9px;flex-shrink:0;min-width:0}
  header.site .logo span{white-space:nowrap}
  header.site .logo .mark{width:32px;height:32px}
  header.site .logo .mark svg{width:17px;height:17px}
  header.site .logo small{display:none}
  header.site .nav .btn-ghost{display:none}
  header.site .nav .btn{padding:9px 15px;font-size:17px}
}

/* === 大型CTAボタンのスマホ折り返し（横スクロール対策・2026-07-06） === */
@media(max-width:600px){
  .btn-lg{white-space:normal;max-width:100%;text-align:center;line-height:1.5}
  .hl-acts,.hl-zbtn,.hl-cta,.hl-cta a{max-width:100%}
  .hl-cta{flex-wrap:wrap}
}
/* 2026-10-12 invest.protocol.ooo トーンへの統一（トップのみ） */
:root{--ink:#123A5A;--ink-2:#40566A;--muted:#6B8093;--faint:#8FA1B1;--paper:#FFFFFF;--surface:#F2F8FC;--surface-2:#E3F4FD;--card:#FFFFFF;--line:#E3EDF5;--line-2:#EEF4F9;--brand:#123A5A;--brand-deep:#0E2E48;--accent:#1E8BE8;--accent-deep:#1673C4;--accent-soft:#E3F4FD;--radius:24px;--radius-m:16px;--radius-s:12px;--sans:"Hiragino Kaku Gothic ProN","Hiragino Sans","Noto Sans JP",-apple-system,sans-serif;--serif:'Zen Kaku Gothic New',"Hiragino Kaku Gothic ProN","Noto Sans JP",sans-serif}
body{background:#fff;color:#20303C}
header.site{background:rgba(255,255,255,.9);border-bottom:1px solid #E3EDF5}
.logo{font-weight:900;color:#123A5A;letter-spacing:0}
.logo .mark{border-radius:50%;background:linear-gradient(135deg,#29B6F6,#1E8BE8)}
.nav nav a{font-weight:500;color:#40566A;padding:6px 10px;border-radius:999px;transition:.15s}
.nav nav a:hover{color:#1E8BE8;background:#F2F8FC}
.btn{border-radius:999px;padding:11px 20px;font-weight:700}
.btn-primary{background:#123A5A;color:#fff;box-shadow:0 10px 22px -12px rgba(18,58,90,.6)}
.btn-primary:hover{background:#1B4E74}
.btn-ghost{background:#fff;color:#1E8BE8;border-color:#CFE2EF}
.btn-ghost:hover{border-color:#1E8BE8}
.btn-teal{background:#123A5A;color:#fff;border-radius:999px}
.eyebrow{color:#1E8BE8;font-size:17px;letter-spacing:.14em}
.eyebrow::before{background:#1E8BE8!important;height:2px!important;border-radius:2px}
section.block{padding:80px 0}
section.block.alt{background:#F2F8FC}
.shead h2{font-weight:900;color:#123A5A;letter-spacing:-.012em;line-height:1.4;font-size:clamp(31.5px,3.58vw,43px)}
.shead p{color:#55697A}
.matrixwrap{border-radius:24px;border-color:#E3EDF5;box-shadow:0 2px 10px rgba(30,139,232,.06)}
.matrix thead th{border-bottom:1px solid #CFE2EF;background:#F2F8FC;color:#55697A;text-transform:none;letter-spacing:.04em}
.matrix tbody tr:hover{background:#F7FBFE}
.pillars{gap:16px!important;background:none!important;border:0!important}
.pillar{border:1px solid #E3EDF5;border-radius:24px;box-shadow:0 2px 10px rgba(30,139,232,.06)}
.pillar:hover{box-shadow:0 20px 48px -24px rgba(30,139,232,.34);transform:translateY(-3px)}
.pillar::before{display:none}
.pillar .pi{border-radius:14px;border:0;background:#E3F4FD}
.pillar h3{font-weight:900;color:#123A5A}
.phase{border-radius:24px;border-color:#E3EDF5;box-shadow:0 2px 10px rgba(30,139,232,.06)}
.phase .ph{color:#1E8BE8}
.phase h3{font-weight:900;color:#123A5A}
.provteaser{border-radius:24px;border-color:#E3EDF5;box-shadow:0 20px 48px -24px rgba(30,139,232,.34)}
.provteaser .pv{border-radius:14px;border:0;background:#E3F4FD;color:#1E8BE8}
.neutral{background:#fff;border:1px solid #E3EDF5;border-left:0;border-radius:24px;box-shadow:0 2px 10px rgba(30,139,232,.06)}
.neutral .ni{background:#E3F4FD;border-radius:14px;color:#1E8BE8}
.callout{border-radius:28px;background:radial-gradient(600px 300px at 90% 0%,#1B4E74 0%,rgba(27,78,116,0) 70%),#123A5A}
.callout h2{font-weight:900;letter-spacing:-.01em}
.qa{border-bottom-color:#E3EDF5}
.qa summary .q{font-weight:700;color:#123A5A}
.qa summary .q::before{color:#1E8BE8}
footer.site{background:#0E2E48}
footer.site .logo{color:#fff}
/* 手段別テーマも青系に統一（BNPL＝自社PDのみミント） */
body.theme-equity,body.theme-debt,body.theme-factoring,body.theme-receivable,body.theme-card,body.theme-lease,body.theme-subsidy,body.theme-cashflow,body.theme-guarantee,body.theme-shiire{--accent:#1E8BE8;--accent-deep:#1673C4;--accent-soft:#E3F4FD}
body.theme-bnpl,body.theme-costopt{--accent:#12A594;--accent-deep:#0E7F72;--accent-soft:#E2F6F3}
.btn-ghost[style*="color:#fff"],.btn-ghost[style*="color: #fff"],.pdg .btn-ghost,.callout .btn-ghost{background:transparent!important}
/* PROTOCOL Re Finance への案内ボックス（記事・静的ページ共通） */
.refx{position:relative;margin:48px 0 8px;padding:30px 32px 26px 118px;border:1px solid #E3EDF5;border-radius:24px;background:radial-gradient(420px 220px at 100% 0%,#E6F4FD 0%,rgba(230,244,253,0) 70%),#fff;box-shadow:0 20px 48px -28px rgba(30,139,232,.38);overflow:hidden}
.refx:before{content:"";position:absolute;left:30px;top:30px;width:64px;height:64px;border-radius:20px;background:#E3F4FD url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 40 40'%3E%3Crect x='9' y='5' width='22' height='30' rx='5' fill='%23fff' stroke='%23123A5A' stroke-width='2'/%3E%3Crect x='13' y='9' width='14' height='7' rx='2' fill='%23123A5A'/%3E%3Ctext x='25.5' y='15' font-family='Arial' font-size='6' font-weight='700' fill='%2329B6F6' text-anchor='end'%3E%25%3C/text%3E%3Cg fill='%23BFE6FB'%3E%3Crect x='13' y='19' width='4' height='4' rx='1'/%3E%3Crect x='18.5' y='19' width='4' height='4' rx='1'/%3E%3Crect x='13' y='25' width='4' height='4' rx='1'/%3E%3Crect x='18.5' y='25' width='4' height='4' rx='1'/%3E%3C/g%3E%3Crect x='24' y='19' width='3.5' height='10' rx='1' fill='%231E8BE8'/%3E%3C/svg%3E") center/40px no-repeat}
.refx .refx-eyebrow{display:flex;align-items:center;gap:10px;margin:0 0 10px;font-size:17.5px;font-weight:800;letter-spacing:.08em;color:#1E8BE8;font-family:"Zen Kaku Gothic New",sans-serif}
.refx .refx-eyebrow:before{content:"";width:22px;height:2px;border-radius:2px;background:#1E8BE8}
.refx .refx-lead{margin:0 0 20px;font-size:20px;line-height:1.95;color:#20303C}
.refx .refx-lead strong{color:#123A5A}
.refx .refx-btn{margin:0}
.refx .refx-btn a{display:inline-flex;align-items:center;gap:10px;background:#123A5A;color:#fff!important;font-weight:800;font-size:19.5px;padding:15px 26px;border-radius:999px;text-decoration:none!important;box-shadow:0 14px 28px -12px rgba(18,58,90,.55);transition:transform .15s,background .15s}
.refx .refx-btn a:hover{background:#1B4E74;transform:translateY(-2px)}
.refx .refx-note{margin:14px 0 0;font-size:16.5px;color:#7E90A0}
.refx-inline{margin:26px 0;padding:14px 18px;border:1px solid #E3EDF5;border-radius:16px;background:#F7FBFE;font-size:19.5px;line-height:1.8}
.refx-inline a{font-weight:700;color:#1E8BE8}
.refx-inline .refx-src{display:block;margin-top:4px;font-size:16.5px;color:#7E90A0}
@media(max-width:600px){.refx{padding:96px 20px 22px}.refx:before{left:20px;top:20px;width:58px;height:58px}.refx .refx-btn a{display:flex;justify-content:center;text-align:center}}
.wrap>.refx{max-width:920px;margin-left:auto;margin-right:auto;margin-bottom:56px}

/* 2026-10-13 共通フッター（静的ページ・WordPress共通） */
footer.sf{background:#0E2E48;color:#A9C1D4;padding:56px 0 28px;font-family:"Hiragino Kaku Gothic ProN","Hiragino Sans","Noto Sans JP",sans-serif;font-size:19px;line-height:1.7}
footer.sf a{color:#D5E4EF;text-decoration:none}
footer.sf a:hover{color:#fff}
.sf-in{max-width:1240px;margin:0 auto;padding:0 28px}
.sf-top{display:flex;justify-content:space-between;align-items:flex-start;gap:28px;flex-wrap:wrap;padding-bottom:32px;border-bottom:1px solid rgba(255,255,255,.1)}
.sf-brand{max-width:520px}
.sf-logo{display:inline-flex;align-items:center;gap:10px}
.sf-mk{width:36px;height:36px;border-radius:50%;background:linear-gradient(135deg,#29B6F6,#1E8BE8);display:grid;place-items:center}
.sf-logo b{font-family:"Zen Kaku Gothic New",sans-serif;font-weight:900;font-size:26px;color:#fff;letter-spacing:.02em}
.sf-brand p{margin:12px 0 0;font-size:18.5px;color:#A9C1D4;line-height:1.85}
.sf-ctas{display:flex;gap:10px;flex-wrap:wrap}
.sf-btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:13px 22px;font-weight:800;font-size:19px;white-space:nowrap}
footer.sf .sf-btn.p{background:#fff;color:#123A5A}
footer.sf .sf-btn.g{border:1px solid rgba(255,255,255,.35);color:#fff}
footer.sf .sf-btn:hover{transform:translateY(-1px)}
.sf-cols{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:28px;padding:32px 0 28px}
.sf-cols h4{margin:0 0 12px;font-family:"Zen Kaku Gothic New",sans-serif;font-weight:900;font-size:18.5px;color:#fff;letter-spacing:.04em}
.sf-cols ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.sf-cols li a{font-size:18.5px;color:#A9C1D4}
.sf-cols li a:hover{color:#fff}
.sf-media{display:flex;flex-wrap:wrap;align-items:center;gap:10px 18px;padding:16px 0;border-top:1px solid rgba(255,255,255,.1);border-bottom:1px solid rgba(255,255,255,.1)}
.sf-media span{font-size:17px;font-weight:700;color:#7E9BB1;letter-spacing:.08em}
.sf-media a{font-size:18.5px;font-weight:700}
.sf-note{margin:18px 0 0;padding:14px 16px;border-radius:12px;background:rgba(255,255,255,.05);font-size:17px;line-height:1.85;color:#8FA9BD}
.sf-bot{display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px 20px;margin-top:20px;font-size:17px;color:#7E9BB1}
@media (max-width:980px){.sf-cols{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:600px){.sf-cols{grid-template-columns:1fr 1fr;gap:22px 16px}.sf-in{padding:0 18px}footer.sf{padding:44px 0 96px}.sf-ctas{width:100%}.sf-btn{flex:1}}
/* PR枠（ランキング外の提携サービス） */
.shk-prsv{margin:2.2em 0;padding:20px 22px;border:1px solid #F6DFA0;border-radius:20px;background:#FFFBEF}
.shk-prsv .k{display:flex;align-items:center;gap:8px;margin:0 0 12px!important;font-weight:900;color:#123A5A;font-size:20px!important}
.shk-prsv .k span{font-size:16px;font-weight:800;color:#7A5300;background:#FFE7A8;border-radius:999px;padding:2px 9px}
.shk-prsv .g{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:10px}
.shk-prsv-c{background:#fff;border:1px solid #F3E2B3;border-radius:14px;padding:14px 16px;display:flex;flex-direction:column;gap:6px}
.shk-prsv-c b{color:#123A5A;font-size:20.5px}.shk-prsv-c p{margin:0!important;font-size:18.5px!important;line-height:1.75!important;color:#40566A}
.shk-prsv-c a{margin-top:auto;align-self:flex-start;background:#123A5A;color:#fff!important;border-radius:999px;padding:9px 16px;font-weight:800;font-size:18.5px;text-decoration:none!important}
.shk-prsv .n{margin:10px 0 0!important;font-size:17px!important;color:#7E90A0!important}

/* 運営元の実績（2026-10-14） */
.trk-bar{background:#0E2E48;color:#CFE2EF;font-size:18px}
.trk-in{max-width:1240px;margin:0 auto;padding:8px 28px;display:flex;align-items:center;justify-content:center;gap:6px 14px;flex-wrap:wrap}
.trk-k{font-size:16.5px;font-weight:800;color:#8FDBFB;letter-spacing:.06em}
.trk-bar b{color:#fff;font-weight:800;font-size:19px}.trk-bar b em{font-style:normal;font-family:Outfit,sans-serif;font-size:24px;color:#FFD873;margin:0 2px}
.trk-t{font-size:16.5px;color:#8FA9BD}.trk-bar a{color:#8FDBFB;font-weight:700;text-decoration:none}
.trk-strip{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;margin:22px 0 4px;max-width:700px}
.trk-s{background:#fff;border:1px solid #E3EDF5;border-radius:16px;padding:12px 14px;box-shadow:0 2px 10px rgba(30,139,232,.06)}
.trk-s small{display:block;font-size:16.5px;font-weight:700;color:#7E90A0}
.trk-s b{display:block;font-family:Outfit,sans-serif;font-weight:700;font-size:36px;color:#123A5A;line-height:1.15;margin-top:2px}
.trk-s b em{font-style:normal;font-family:"Zen Kaku Gothic New",sans-serif;font-size:18.5px;margin-left:2px}
.trk-s:nth-child(-n+2) b{color:#1E8BE8}
.trk-s span{display:block;font-size:16.5px;color:#55697A;margin-top:2px}
.trk-n{grid-column:1/-1;font-size:16.5px;color:#7E90A0;margin:2px 0 0}
@media (max-width:900px){.trk-strip{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.trk-s b{font-size:31.5px}.trk-in{padding:7px 16px;gap:4px 10px}.trk-t,.trk-k{display:none}}

/* 2026-10-14 読みやすい改行：見出し・表・ラベルは文節で折り返す（長い段落は普通に折り返し）／最後の行に1〜2文字だけ残さない／見出しは行の長さをそろえる。はみ出す時だけ文節の途中でも折る */
p,li,dd,blockquote{text-wrap:pretty;overflow-wrap:anywhere}
dt,figcaption,summary,label,small,caption,button{word-break:auto-phrase;text-wrap:pretty;overflow-wrap:anywhere}
h1,h2,h3,h4,h5,h6{word-break:auto-phrase;text-wrap:balance;overflow-wrap:anywhere}
td,th{overflow-wrap:break-word;text-wrap:pretty}
tbody th,tbody td:first-child{word-break:auto-phrase}
.ab-tbl td{overflow-wrap:anywhere}
/* 横スクロールする比較表は、数字・短い語を1行のまま（1文字ずつ折れるのを防ぐ） */
.skz-tbl td:not(:first-child),.skz-tbl th{white-space:nowrap}.skz-tbl td:first-child{min-width:9em;word-break:auto-phrase}
/* 文字拡大に合わせたヘッダー・フッター（calc() で書くのは font-scale.php の変換対象外にするため） */
.sh5-nav{min-width:0;overflow:hidden;flex:0 1 auto}
@media(max-width:1500px){.sh5-nav a[href="/factoring/"],.sh5-nav a[href="/refinance/"],.sh5-nav a[href="/glossary/"]{display:none!important}}
.sh5-nav a{font-size:calc(17px)!important}
.sh5-cta{font-size:calc(17px)!important;flex:none}
@media(max-width:600px){.sh5-logo b{font-size:calc(19px)!important}.sh5-cta{font-size:calc(15px)!important;padding:9px 14px!important}}
@media(max-width:380px){.sh5-logo b{font-size:calc(17.5px)!important}.sh5-cta{font-size:calc(14px)!important;padding:8px 12px!important}}
@media(max-width:600px){.sf-cols{grid-template-columns:minmax(0,1fr) minmax(0,1fr)!important}.sf-btn{white-space:normal!important;text-align:center}}
/* ハブの方法カード：名前と札は折り返して並べる・左の項目名は1語のまま */
.fl-sch-h{flex-wrap:wrap}.fl-sch-h b{word-break:auto-phrase;overflow-wrap:anywhere;flex:1 1 auto;min-width:8em}.fl-sch-h .bd{flex:none}
.fl-sch dl dt{flex:none;max-width:50%;word-break:auto-phrase}.fl-sch dl dd{word-break:auto-phrase;overflow-wrap:anywhere;text-wrap:balance}.fl-sch{min-width:0}
.tl-two>*,.fl-two>*,.wrap>*{min-width:0}
.hl-more{white-space:normal!important}
@media(max-width:600px){.util__nav{display:none!important}.util__live{white-space:nowrap}}
.zstats>*{min-width:0}.zstat .v,.zstat .k{overflow-wrap:anywhere}
@media(max-width:600px){.fl-out>div{min-width:0}.fl-out b{white-space:normal!important;overflow-wrap:anywhere;word-break:auto-phrase}a.btn{white-space:normal!important;max-width:100%;text-align:center;word-break:auto-phrase;overflow-wrap:anywhere}}
/* 記事末の「最終更新日」ラベル・図鑑カードのチェック項目 */
.soken-lastmod__label{flex:0 0 auto!important;min-width:6.5em;white-space:nowrap}
.skz-pros li::before{top:calc((1lh - 17px) / 2 + 5px)!important}


@media(max-width:600px){header.site .logo{font-size:calc(18px)!important}header.site .nav .btn{font-size:calc(14.5px)!important;padding:8px 12px!important}}
@media(max-width:380px){header.site .logo{font-size:calc(16.5px)!important}header.site .logo .mark{width:28px;height:28px}}
header.site .logo span,header.site .logo small{white-space:nowrap}
@media(max-width:1500px){header.site .logo small{display:none!important}}
.v3-worries{grid-template-columns:minmax(0,1fr) minmax(0,1fr)!important}
.v3-chip{min-width:0;font-size:calc(17.5px)!important;overflow-wrap:anywhere}
/* 2026-10-15 shk-noreveal-all */
.reveal,.reveal.in,.rv,.fade-up{opacity:1!important;transform:none!important;transition:none!important}
/* 2026-10-15 試算カードの結果2枠：幅が足りなければ縦に並べる（どの画面幅でもはみ出さない） */
.fl-out{grid-template-columns:repeat(auto-fit,minmax(min(100%,300px),1fr))!important}.fl-out>div{min-width:0}.fl-out b{overflow-wrap:anywhere}
/* 2026-10-15 記事内の表：収まらない分を切り捨てず横スクロールに。2列目以降は折り返して幅に収める */
:is(.rvz-body,.art__body,.ar-body,.entry-content) table:not(.skz-tbl){overflow-x:auto!important;max-width:100%}
:is(.rvz-body,.art__body,.ar-body,.entry-content) table:not(.skz-tbl) :is(td,th):not(:first-child){white-space:normal!important;min-width:4em;overflow-wrap:anywhere}
/* 2026-10-15 スマホ：業者カードの数字4枠は2×2に（4つ目が切れる件）・試算の式のラベルは1語で */
@media(max-width:520px){.skz-dgrid{display:grid!important;grid-template-columns:minmax(0,1fr) minmax(0,1fr)!important;row-gap:10px}.skz-dgrid>*{min-width:0;border-left:0!important}}
.soken-money-sim [style*="1fr auto 1fr auto"]{gap:.35em!important}.soken-money-sim [style*="1fr auto 1fr auto"]>div{min-width:0}.soken-money-sim [style*="1fr auto 1fr auto"]>div>div:first-child{white-space:nowrap;letter-spacing:0!important}
/* 2026-10-15 スマホ：記事内の公式サイトボタンが min-width:280px で箱からはみ出す件 */
@media(max-width:520px){a.aff-link{min-width:0!important;width:100%;max-width:100%!important;box-sizing:border-box}}
/* 2026-10-15 スマホ：ハブ・ツールの大見出しが右端で切れる件（強調語は1語のまま・文字を画面幅に合わせる） */
@media(max-width:420px){html body :is(.fl-hero,.tl-hero-in) h1{font-size:min(calc(40px),9.4vw)!important}}
/* 2026-10-15 ヘッダー：ロゴのアイコンを消す／メニューは入りきらない項目を丸ごと隠す（途中で切れて見えないように） */
.sh5-mk,header.site .logo .mark{display:none!important}
@media(min-width:861px){.sh5-nav,header.site nav{flex-wrap:wrap!important;align-items:center;align-content:flex-start;overflow:hidden!important;row-gap:30px!important;flex:1 1 auto!important;min-width:0!important}
.sh5-nav{height:40px!important}header.site nav{height:46px!important}
.sh5-nav a,header.site nav a{flex:none!important;white-space:nowrap!important}}
header.site .logo,.sh5-logo{flex:none!important;margin-right:16px!important}header.site .logo small,.sh5-logo small{white-space:nowrap!important}
/* 2026-10-15 フッターのリンクは語の切れ目で折り返す／スマホの業者カードは丸を2×2に（項目名が1文字ずつ折れないように） */
footer.sf a,footer.sf li{word-break:auto-phrase;text-wrap:balance}
@media(max-width:480px){.rk-gs{grid-template-columns:repeat(2,minmax(0,1fr))!important;row-gap:12px!important;padding:14px 8px!important}.rk-g b{white-space:nowrap}}