/* /merchants/shikumi/ 仕組み詳細ページ専用スタイル
   ClaudeDesign確定デザイン(仕組み詳細ページ.dc.html)を移植。
   配色はRemitAidデザインシステムのトークン(青#0051DA系+ゴールド)を
   このページ本文に限定して使用する(引き継ぎ書6章の玄関ページ制約解除)。
   ヘッダー・フッターは merchants-entrance.css の共通スタイルを流用し、
   本ファイルは .sk- プレフィックスのみを定義して他ページに影響させない。 */
.sk-page{
  --sk-blue-50:#E4EAFE; --sk-blue-100:#C7D6FB; --sk-blue-300:#84A7FA;
  --sk-blue-600:#0051DA; --sk-blue-700:#0035B6; --sk-blue-900:#001F6E;
  --sk-gold-50:#FFE7AD; --sk-gold-100:#FBD98A; --sk-gold-300:#F1BD3E;
  --sk-gold-400:#EEA735; --sk-gold-500:#E78127; --sk-gold-600:#C2641A;
  --sk-amber-50:#FFFBC9; --sk-amber-300:#EADB4E; --sk-amber-600:#9A7D00;
  --sk-n-100:#E7EBEB; --sk-n-200:#CFD0D1; --sk-n-300:#B8B9BA;
  --sk-n-400:#A2A4A5; --sk-n-500:#888B8C; --sk-n-600:#65696A; --sk-n-700:#414547;
  --sk-ink:#000000; --sk-sub:var(--sk-n-700); --sk-muted:var(--sk-n-500);
  --sk-link:var(--sk-blue-600); --sk-border:var(--sk-n-100);
  --sk-accent-ink:#5A3A00;
  --sk-mono:ui-monospace,"SF Mono",SFMono-Regular,Menlo,Consolas,monospace;
  background:#F3F3F3;
  color:var(--sk-sub);
}
.sk-main{display:grid;gap:clamp(52px,7vw,80px);max-width:960px;margin:0 auto;
  padding:clamp(36px,6vw,64px) clamp(18px,4vw,28px) 96px;box-sizing:border-box}
.sk-main *{box-sizing:border-box}
.sk-main a{color:var(--sk-link)}
.sk-main a:hover{color:var(--sk-blue-700)}

/* 共通見出しまわり */
.sk-section{display:grid;gap:22px}
.sk-section-head{display:grid;gap:10px}
.sk-kicker{font-size:12px;font-weight:700;letter-spacing:.14em;color:var(--sk-blue-600)}
.sk-h1{margin:0;font-size:clamp(26px,4.4vw,36px);line-height:1.3;letter-spacing:-.02em;font-weight:700;color:var(--sk-ink)}
.sk-h2{margin:0;font-size:clamp(21px,3.4vw,27px);line-height:1.4;letter-spacing:-.015em;font-weight:700;color:var(--sk-ink)}
.sk-lead{margin:0;font-size:15px;line-height:1.9}

/* ============ 1. 導入リード ============ */
.sk-intro{display:grid;gap:22px}
.sk-intro-head{display:grid;gap:14px}
.sk-intro-lead{margin:0;font-size:15.5px;line-height:1.9}
.sk-intro-lead .sk-line{display:block}
.sk-lead-link{font-weight:700;color:var(--sk-link);text-decoration:underline;text-underline-offset:3px}
.sk-lead-link:hover{color:var(--sk-blue-700)}
.sk-nowrap{white-space:nowrap}
.sk-choosers{display:flex;flex-wrap:wrap;gap:14px}
.sk-chooser{flex:1 1 250px;display:flex;align-items:center;justify-content:space-between;gap:14px;
  padding:20px 22px;background:#fff;border:1.5px solid var(--sk-n-300);border-radius:16px;
  cursor:pointer;text-align:left;text-decoration:none;color:inherit;
  transition:border-color .18s,background .18s,box-shadow .18s}
.sk-chooser:hover{border-color:var(--sk-blue-600);color:inherit}
.sk-chooser.is-selected{border-color:var(--sk-blue-600);background:var(--sk-blue-50);
  box-shadow:0 0 0 3px rgba(132,167,250,.35)}
.sk-chooser-text{display:grid;gap:5px}
.sk-chooser-sub{font-size:12.5px;color:var(--sk-muted)}
.sk-chooser-title{font-size:18px;font-weight:700;letter-spacing:-.01em;color:var(--sk-ink)}
.sk-chooser-arrow{flex:none;display:flex;align-items:center;justify-content:center;
  width:36px;height:36px;border-radius:999px;background:var(--sk-blue-50);color:var(--sk-blue-600)}

/* ============ 2. 全体像 ============ */
.sk-overview{display:grid;gap:26px}
.sk-steps{display:flex;flex-wrap:wrap;gap:14px;align-items:stretch}
.sk-step{flex:1 1 230px;display:grid;gap:12px;align-content:start;padding:22px;
  background:#fff;border:1px solid var(--sk-border);border-radius:16px}
.sk-step-top{display:flex;align-items:center;justify-content:space-between;gap:10px}
.sk-step-num{font-family:var(--sk-mono);font-size:12px;font-weight:700;letter-spacing:.08em;color:var(--sk-n-500)}
.sk-chip{display:inline-flex;align-items:center;gap:6px;padding:3px 10px;border-radius:999px;
  font-size:12px;font-weight:700;background:var(--sk-blue-50);color:var(--sk-blue-700)}
.sk-chip .sk-dot{width:7px;height:7px;border-radius:999px;background:var(--sk-blue-600)}
.sk-chip.is-partner{background:#fff;color:var(--sk-accent-ink);border:1px solid var(--sk-gold-300)}
.sk-chip.is-partner .sk-dot{background:var(--sk-gold-500)}
.sk-step-icon{display:flex;align-items:center;justify-content:center;width:44px;height:44px;
  border-radius:12px;background:var(--sk-blue-50);color:var(--sk-blue-600)}
.sk-step-body{display:grid;gap:6px}
.sk-step-body h3{margin:0;font-size:17px;font-weight:700;color:var(--sk-ink)}
.sk-step-body p{margin:0;font-size:13.5px;line-height:1.8}
.sk-step.is-em{flex:1.3 1 260px;padding:24px 22px;gap:12px;
  background:linear-gradient(180deg,#FFF8E4 0%,#FFEFC4 100%);
  border:2px solid var(--sk-gold-300);box-shadow:0 10px 28px rgba(90,58,0,.10)}
.sk-step.is-em .sk-step-num{color:var(--sk-gold-600)}
.sk-step.is-em .sk-step-icon{width:48px;height:48px;background:#fff;color:var(--sk-gold-500);border:1px solid var(--sk-gold-100)}
.sk-step.is-em .sk-step-body{gap:8px}
.sk-step.is-em .sk-step-body h3{font-size:19px}
.sk-step.is-em .sk-step-body p{font-size:14px;color:var(--sk-n-700)}
.sk-step.is-em .sk-step-body strong{color:var(--sk-ink)}
.sk-benefits{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;margin-top:2px}
.sk-benefit{display:inline-flex;align-items:center;gap:8px;padding:9px 18px;border-radius:999px;
  background:#fff;border:1px solid var(--sk-n-300);font-size:13.5px;font-weight:700;color:var(--sk-ink)}
.sk-benefit svg{flex:none}

/* ============ 3. 具体的な手順(タブ) ============ */
.sk-howto{scroll-margin-top:16px}
.sk-tablist{display:flex;gap:6px;padding:6px;background:var(--sk-n-100);
  border:1px solid var(--sk-n-200);border-radius:14px}
.sk-tab{flex:1;min-width:0;padding:13px 8px;border:none;border-radius:10px;cursor:pointer;
  font-family:inherit;font-size:15px;font-weight:700;background:transparent;color:var(--sk-n-600);
  transition:background .18s,color .18s,box-shadow .18s}
.sk-tab.is-active{background:var(--sk-blue-700);color:#fff;box-shadow:0 4px 14px rgba(0,53,182,.28)}
/* JS無効時は両パネルを常時表示し、タブUIは操作できないため隠す */
.sk-tablist{display:none}
.sk-js .sk-tablist{display:flex}
.sk-panel{display:grid;gap:16px;scroll-margin-top:16px}
.sk-panel-caption{margin:0;font-size:17px;font-weight:700;color:var(--sk-ink);
  padding-left:12px;border-left:4px solid var(--sk-blue-600)}
.sk-js .sk-panel-caption{display:none}
.sk-js .sk-panel[hidden]{display:none}
.sk-merits{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(300px,100%),1fr));gap:14px}
.sk-merit{display:grid;gap:14px;align-content:start;padding:clamp(20px,3.4vw,28px);
  background:#fff;border:1px solid var(--sk-border);border-radius:18px}
.sk-merit .sk-chip{justify-self:start;padding:4px 12px}
.sk-merit .sk-chip.is-partner{background:var(--sk-gold-50);border:none}
.sk-merit .sk-chip .sk-chip-note{font-weight:500}
.sk-merit h3{margin:0;font-size:17.5px;line-height:1.55;font-weight:700;color:var(--sk-ink)}
.sk-merit ul{margin:0;padding:0;list-style:none;display:grid;gap:12px}
.sk-merit li{display:flex;gap:10px;font-size:14px;line-height:1.8}
.sk-merit li svg{flex:none;margin-top:5px}
.sk-merit .sk-note{display:block;margin-top:2px;font-size:12.5px;color:var(--sk-muted)}

/* お金の流れ */
.sk-flow-card{padding:clamp(22px,3.6vw,32px);background:#fff;border:1px solid var(--sk-border);
  border-radius:18px;display:grid;gap:20px}
.sk-flow-head{display:flex;align-items:center;gap:10px}
.sk-flow-head h3{margin:0;font-size:17px;font-weight:700;color:var(--sk-ink)}
.sk-flow{display:grid}
.sk-flow-step{display:flex;gap:16px}
.sk-flow-rail{flex:none;display:flex;flex-direction:column;align-items:center;width:34px}
.sk-flow-num{display:flex;align-items:center;justify-content:center;width:34px;height:34px;
  border-radius:999px;background:var(--sk-n-100);color:var(--sk-n-700);
  font-family:var(--sk-mono);font-size:12.5px;font-weight:700}
.sk-flow-num.is-jpy{background:var(--sk-blue-50);color:var(--sk-blue-700)}
.sk-flow-num.is-partner{background:var(--sk-gold-50);color:var(--sk-accent-ink);border:1.5px solid var(--sk-gold-300)}
.sk-flow-num.is-final{background:var(--sk-blue-700);color:#fff}
.sk-flow-line{flex:1;width:2px;background:var(--sk-n-200);margin:5px 0}
.sk-flow-body{display:flex;flex-wrap:wrap;align-items:center;gap:8px 10px;padding-bottom:22px}
.sk-flow-step:last-child .sk-flow-body{padding-bottom:0}
.sk-flow-label{font-size:15px;font-weight:700;color:var(--sk-ink)}
.sk-flow-chip{display:inline-flex;align-items:center;gap:6px;padding:2px 9px;border-radius:999px;
  font-size:11.5px;font-weight:700;background:var(--sk-n-100);color:var(--sk-n-600)}
.sk-flow-chip.is-jpy{background:var(--sk-blue-50);color:var(--sk-blue-700)}
.sk-flow-chip.is-partner{background:var(--sk-gold-50);color:var(--sk-accent-ink);border:1px solid var(--sk-gold-300)}

/* 30日注意書き */
.sk-notice{display:grid;gap:12px;padding:18px 20px;background:var(--sk-amber-50);
  border:1px solid var(--sk-amber-300);border-radius:14px}
.sk-notice-main{display:flex;gap:10px;align-items:flex-start}
.sk-notice-main svg{flex:none;margin-top:3px}
.sk-notice-main p{margin:0;font-size:14px;line-height:1.8;font-weight:700;color:var(--sk-ink)}
.sk-notice-sub{margin:0;padding-left:28px;font-size:12.5px;line-height:1.8;color:var(--sk-n-600)}

/* ============ 4. 国際送金 ============ */
.sk-intl{position:relative;overflow:hidden;padding:clamp(28px,5vw,44px);
  background:var(--sk-blue-900);border-radius:24px;color:#fff}
.sk-intl-inner{position:relative;display:grid;gap:16px;max-width:620px}
.sk-intl-icon{display:flex;align-items:center;justify-content:center;width:46px;height:46px;
  border-radius:12px;background:rgba(255,255,255,.10);color:var(--sk-gold-100)}
.sk-intl h2{margin:0;font-size:clamp(20px,3.2vw,25px);line-height:1.5;letter-spacing:-.01em;font-weight:700;color:#fff}
.sk-intl p{margin:0;font-size:14.5px;line-height:2;color:rgba(255,255,255,.82)}
.sk-intl-cta{justify-self:start;display:inline-flex;align-items:center;gap:9px;margin-top:4px;
  padding:12px 22px;border-radius:999px;background:var(--sk-gold-300);color:#3A2600;
  font-size:14px;font-weight:700;text-decoration:none;transition:background .18s}
.sk-main .sk-intl-cta:hover{background:var(--sk-gold-400);color:#3A2600}

/* ============ 5. 次にすること ============ */
.sk-next-list{display:grid;gap:12px}
.sk-next{display:flex;align-items:center;gap:16px;padding:18px 22px;background:#fff;
  border:1px solid var(--sk-border);border-radius:14px;text-decoration:none;color:inherit;
  transition:border-color .18s,box-shadow .18s,transform .18s}
.sk-main .sk-next:hover{border-color:var(--sk-blue-300);box-shadow:0 6px 20px rgba(12,23,51,.10);
  transform:translateY(-2px);color:inherit}
.sk-next-icon{flex:none;display:flex;align-items:center;justify-content:center;width:42px;height:42px;
  border-radius:12px;background:var(--sk-blue-50);color:var(--sk-blue-600)}
.sk-next-title{flex:1;font-size:15.5px;font-weight:700;color:var(--sk-ink)}
.sk-next-go{flex:none;color:var(--sk-n-400)}