:root{
  --rf-navy:#0F2340;--rf-navy-2:#173455;--rf-navy-3:#234870;
  --rf-gold:#C9A84C;--rf-gold-2:#E2C97A;
  --rf-cream:#F5F1EA;--rf-cream-2:#ECE6DC;--rf-white:#fff;
  --rf-text:#35475C;--rf-muted:#7D8896;--rf-border:rgba(15,35,64,.10);
  --rf-gold-bg:rgba(201,168,76,.12);--rf-gold-border:rgba(201,168,76,.26);
  --rf-green:#16855A;--rf-green-bg:rgba(22,133,90,.10);--rf-green-border:rgba(22,133,90,.24);
  --rf-red:#B94A48;--rf-red-bg:rgba(185,74,72,.09);--rf-red-border:rgba(185,74,72,.24);
  --rf-blue:#1D4E89;--rf-blue-bg:rgba(29,78,137,.09);--rf-blue-border:rgba(29,78,137,.22);
  --rf-radius:10px;
}
.entry-title,.post-title,.page-title{display:none!important}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{overflow-x:hidden}
.rf-cert{font-family:'DM Sans',system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;background:var(--rf-cream);color:var(--rf-navy);line-height:1.68;-webkit-font-smoothing:antialiased}
.rf-cert a{color:inherit;text-decoration:none}
.rf-cert a:focus-visible,.rf-cert button:focus-visible{outline:2px solid var(--rf-gold);outline-offset:3px;border-radius:4px}
.rf-wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.rf-narrow{max-width:850px;margin:0 auto}
.rf-sticky{position:fixed;z-index:800;left:0;right:0;bottom:0;display:flex;align-items:center;justify-content:center;gap:12px;background:var(--rf-navy);border-top:2px solid var(--rf-gold);padding:10px 44px 10px 18px;box-shadow:0 -10px 30px rgba(0,0,0,.18);transform:translateY(110%);transition:transform .28s ease}
.rf-sticky.on{transform:translateY(0)}
.rf-sticky span{font-size:13px;color:rgba(236,242,249,.84)}
.rf-sticky strong{color:#fff}
.rf-sticky a{background:var(--rf-gold);color:var(--rf-navy);font-weight:800;border-radius:5px;padding:9px 16px;font-size:13px}
.rf-sticky button{position:absolute;right:13px;top:50%;transform:translateY(-50%);background:none;border:0;color:rgba(236,242,249,.58);font-size:22px;line-height:1;cursor:pointer}
.rf-hero{background:linear-gradient(135deg,var(--rf-navy) 0%,#132B49 100%);padding:56px 24px 44px;position:relative;overflow:hidden}
.rf-hero::before{content:'';position:absolute;right:-180px;top:-210px;width:560px;height:560px;border-radius:50%;background:radial-gradient(circle,rgba(201,168,76,.16) 0%,rgba(201,168,76,.04) 42%,transparent 70%);pointer-events:none}
.rf-hero-in{max-width:1120px;margin:0 auto;display:grid;grid-template-columns:1fr 370px;gap:44px;align-items:center;position:relative;z-index:1}
.rf-kicker{display:inline-flex;align-items:center;gap:8px;background:var(--rf-gold-bg);border:1px solid var(--rf-gold-border);color:var(--rf-gold-2);border-radius:999px;padding:7px 13px;font-size:11px;font-weight:800;letter-spacing:.11em;text-transform:uppercase;margin-bottom:18px}
.rf-kicker-dot{width:6px;height:6px;border-radius:50%;background:var(--rf-gold);box-shadow:0 0 0 4px rgba(201,168,76,.14)}
.rf-hero h1{font-family:'Playfair Display',Georgia,serif;color:#fff;font-size:clamp(29px,4vw,47px);line-height:1.1;letter-spacing:-.015em;margin:0 0 18px;font-weight:700}
.rf-hero h1 em{font-style:normal;color:var(--rf-gold-2)}
.rf-lead{font-size:16px;color:rgba(236,242,249,.84);max-width:690px;margin:0 0 24px;line-height:1.78}
.rf-hero-actions{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.rf-btn{display:inline-flex;align-items:center;justify-content:center;gap:7px;border-radius:5px;padding:12px 20px;font-size:14px;font-weight:800;transition:.18s ease;border:1px solid transparent}
.rf-btn-gold{background:var(--rf-gold);color:var(--rf-navy)}.rf-btn-gold:hover{background:var(--rf-gold-2);transform:translateY(-1px)}
.rf-btn-line{color:rgba(236,242,249,.88);border-color:rgba(201,168,76,.28);background:rgba(255,255,255,.03)}.rf-btn-line:hover{border-color:var(--rf-gold);color:#fff}
.rf-doc-card{background:rgba(255,255,255,.055);border:1px solid rgba(201,168,76,.22);border-radius:14px;padding:22px 20px;box-shadow:0 20px 60px rgba(0,0,0,.18)}
.rf-doc-title{font-size:12px;font-weight:900;letter-spacing:.09em;text-transform:uppercase;color:var(--rf-gold-2);margin-bottom:12px}
.rf-doc-line{display:flex;justify-content:space-between;gap:16px;border-bottom:1px solid rgba(201,168,76,.11);padding:8px 0;color:rgba(236,242,249,.82);font-size:13px}
.rf-doc-line:last-child{border-bottom:0}
.rf-doc-line b{color:#fff;font-weight:800;text-align:right}
.rf-doc-note{margin-top:13px;background:rgba(201,168,76,.10);border:1px solid rgba(201,168,76,.18);border-radius:8px;padding:11px 12px;color:rgba(236,242,249,.86);font-size:12.5px;line-height:1.55}
.rf-sec{padding:58px 24px}.rf-sec.white{background:#fff}.rf-sec.cream{background:var(--rf-cream)}.rf-sec.soft{background:var(--rf-cream-2)}.rf-sec.dark{background:var(--rf-navy)}
.rf-tag{font-size:11px;font-weight:900;letter-spacing:.12em;text-transform:uppercase;color:var(--rf-gold);margin-bottom:10px}
.rf-h2{font-family:'Playfair Display',Georgia,serif;font-size:clamp(23px,3vw,34px);line-height:1.16;letter-spacing:-.01em;margin:0 0 12px;color:var(--rf-navy)}
.rf-sec.dark .rf-h2,.rf-card.dark .rf-h2,.rf-quick .rf-h2{color:#fff}
.rf-h2 em{font-style:normal;color:var(--rf-gold)}
.rf-sub{font-size:15.5px;color:var(--rf-text);line-height:1.78;margin:0;max-width:790px}.rf-sec.dark .rf-sub{color:rgba(236,242,249,.76)}
.rf-head{margin-bottom:28px}
.rf-takeaway{display:grid;grid-template-columns:1.08fr .92fr;gap:18px;align-items:stretch}
.rf-quick{background:var(--rf-navy);border-radius:14px;padding:24px 22px;color:#fff;border:1px solid var(--rf-gold-border)}
.rf-quick ul{list-style:none;margin:14px 0 0;padding:0;display:flex;flex-direction:column;gap:9px}
.rf-quick li{font-size:14px;color:rgba(236,242,249,.84);line-height:1.58;padding-left:20px;position:relative}
.rf-quick li::before{content:'✓';position:absolute;left:0;top:0;color:var(--rf-gold);font-weight:900}
.rf-official{background:#fff;border:1px solid var(--rf-border);border-radius:14px;padding:24px 22px;box-shadow:0 6px 22px rgba(15,35,64,.05)}
.rf-official h3{font-family:'Playfair Display',Georgia,serif;font-size:23px;line-height:1.18;color:var(--rf-navy);margin:0 0 10px}
.rf-official p{font-size:14px;color:var(--rf-text);line-height:1.72;margin:0 0 12px}
.rf-official a{display:inline-flex;color:var(--rf-navy);font-weight:800;border-bottom:1px solid var(--rf-gold)}

.rf-card{background:#fff;border:1px solid var(--rf-border);border-radius:var(--rf-radius);padding:20px 18px;box-shadow:0 6px 20px rgba(15,35,64,.045)}
.rf-card.dark{background:rgba(255,255,255,.055);border-color:rgba(201,168,76,.16);box-shadow:none;color:#fff}
.rf-card.gold{background:var(--rf-gold-bg);border-color:var(--rf-gold-border)}.rf-card.blue{background:var(--rf-blue-bg);border-color:var(--rf-blue-border)}.rf-card.green{background:var(--rf-green-bg);border-color:var(--rf-green-border)}.rf-card.red{background:var(--rf-red-bg);border-color:var(--rf-red-border)}
.rf-card h3{font-size:15px;line-height:1.32;color:var(--rf-navy);margin:0 0 7px;font-weight:900}.rf-card.dark h3{color:#fff}
.rf-card p{font-size:13.5px;color:var(--rf-text);line-height:1.68;margin:0}.rf-card.dark p{color:rgba(236,242,249,.78)}
.rf-plan{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}
.rf-plan a{display:block;background:#fff;border:1px solid var(--rf-border);border-radius:10px;padding:14px 13px;min-height:104px;transition:.16s}
.rf-plan a:hover{transform:translateY(-2px);border-color:var(--rf-gold-border);box-shadow:0 10px 24px rgba(15,35,64,.08)}
.rf-plan span{font-family:'Playfair Display',Georgia,serif;color:var(--rf-gold);font-size:20px;font-weight:700;display:block;margin-bottom:8px}
.rf-plan strong{display:block;font-size:13px;color:var(--rf-navy);line-height:1.35;margin-bottom:4px}
.rf-plan small{display:block;font-size:11.5px;color:var(--rf-muted);line-height:1.4}
.rf-compare{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.rf-compare-card{background:#fff;border:1px solid var(--rf-border);border-radius:14px;overflow:hidden;box-shadow:0 8px 22px rgba(15,35,64,.045)}
.rf-compare-card header{padding:16px 18px;background:var(--rf-navy);color:#fff}
.rf-compare-card header.gold{background:linear-gradient(135deg,var(--rf-gold),var(--rf-gold-2));color:var(--rf-navy)}
.rf-compare-card h3{margin:0;font-size:16px;font-weight:900}
.rf-compare-card ul{list-style:none;margin:0;padding:16px 18px;display:flex;flex-direction:column;gap:10px}
.rf-compare-card li{font-size:13.5px;color:var(--rf-text);line-height:1.55;padding-left:17px;position:relative}
.rf-compare-card li::before{content:'•';position:absolute;left:0;color:var(--rf-gold);font-weight:900}
.rf-zone-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.rf-zone{background:#fff;border:1px solid var(--rf-border);border-radius:12px;padding:18px;position:relative;overflow:hidden}
.rf-zone::before{content:'';position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--rf-gold)}
.rf-zone h3{font-size:15px;font-weight:900;color:var(--rf-navy);margin:0 0 8px;padding-left:4px}
.rf-zone p{font-size:13.5px;color:var(--rf-text);line-height:1.68;margin:0 0 10px;padding-left:4px}
.rf-zone .check{background:var(--rf-cream);border-radius:8px;padding:10px 11px;font-size:12.5px;color:var(--rf-text);line-height:1.55}

.rf-line{background:#fff;border:1px solid var(--rf-border);border-radius:12px;padding:16px 15px;box-shadow:0 5px 18px rgba(15,35,64,.04)}
.rf-line .icon{width:34px;height:34px;border-radius:9px;background:var(--rf-gold-bg);display:flex;align-items:center;justify-content:center;margin-bottom:10px;color:var(--rf-gold);font-weight:900}
.rf-line h3{font-size:14.5px;color:var(--rf-navy);line-height:1.3;margin:0 0 7px;font-weight:900}
.rf-line p{font-size:13px;color:var(--rf-text);line-height:1.62;margin:0}
.rf-note{background:#fff;border:1px solid var(--rf-border);border-left:4px solid var(--rf-gold);border-radius:10px;padding:18px 18px;color:var(--rf-text);font-size:14px;line-height:1.72}
.rf-note strong{color:var(--rf-navy)}.rf-note.warn{border-left-color:var(--rf-red);background:var(--rf-red-bg)}.rf-note.good{border-left-color:var(--rf-green);background:var(--rf-green-bg)}
.rf-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;counter-reset:step}
.rf-step{background:#fff;border:1px solid var(--rf-border);border-radius:12px;padding:18px 15px;position:relative;min-height:180px}
.rf-step::before{counter-increment:step;content:'0' counter(step);font-family:'Playfair Display',Georgia,serif;color:var(--rf-gold);font-size:24px;font-weight:700;display:block;margin-bottom:9px}
.rf-step h3{font-size:14.5px;color:var(--rf-navy);font-weight:900;margin:0 0 7px}.rf-step p{font-size:13px;color:var(--rf-text);line-height:1.62;margin:0}
.rf-matrix{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.rf-list{display:flex;flex-direction:column;gap:10px;margin-top:12px}
.rf-list-row{display:flex;gap:10px;align-items:flex-start;background:rgba(255,255,255,.62);border:1px solid rgba(15,35,64,.08);border-radius:9px;padding:11px 12px;font-size:13.2px;color:var(--rf-text);line-height:1.55}
.rf-list-row b{color:var(--rf-navy);font-weight:900}
.rf-pill{display:inline-flex;align-items:center;justify-content:center;width:24px;height:24px;flex:0 0 24px;border-radius:50%;background:var(--rf-gold-bg);color:var(--rf-gold);font-weight:900;font-size:12px}

.rf-case{background:#fff;border:1px solid var(--rf-border);border-radius:12px;padding:17px 15px;box-shadow:0 5px 18px rgba(15,35,64,.04)}
.rf-case h3{font-size:14.5px;color:var(--rf-navy);margin:0 0 7px;font-weight:900;line-height:1.3}.rf-case p{font-size:13px;color:var(--rf-text);line-height:1.62;margin:0}
.rf-avoid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.rf-avoid .rf-card{min-height:210px}
.rf-faq{border:1px solid var(--rf-border);border-radius:14px;overflow:hidden;background:#fff}
.rf-faq-item+ .rf-faq-item{border-top:1px solid var(--rf-border)}
.rf-faq-q{width:100%;display:flex;justify-content:space-between;gap:14px;align-items:center;background:#fff;border:0;text-align:left;padding:17px 20px;font-family:'DM Sans',sans-serif;color:var(--rf-navy);font-size:14.5px;font-weight:900;cursor:pointer}
.rf-faq-q:hover{background:var(--rf-cream)}
.rf-faq-ico{width:22px;height:22px;border-radius:50%;border:1px solid var(--rf-gold-border);display:flex;align-items:center;justify-content:center;color:var(--rf-gold);flex-shrink:0}
.rf-faq-a{max-height:0;overflow:hidden;transition:max-height .28s ease}.rf-faq-a.open{max-height:320px}
.rf-faq-a p{padding:0 20px 17px;margin:0;color:var(--rf-text);font-size:14px;line-height:1.72}
.rf-rel{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.rf-rel a{background:rgba(255,255,255,.055);border:1px solid rgba(201,168,76,.14);border-radius:10px;padding:16px 14px;transition:.16s}
.rf-rel a:hover{border-color:var(--rf-gold-border);background:rgba(201,168,76,.08);transform:translateY(-2px)}
.rf-rel-tag{font-size:10.5px;text-transform:uppercase;letter-spacing:.08em;color:var(--rf-gold);font-weight:900;margin-bottom:6px}
.rf-rel-title{font-size:13.5px;color:#fff;font-weight:800;line-height:1.35}
.rf-form{max-width:640px;margin:0 auto;background:var(--rf-navy);border:1px solid var(--rf-gold-border);border-radius:14px;padding:26px 24px;box-shadow:0 18px 50px rgba(15,35,64,.16)}
.rf-form-title{font-family:'Playfair Display',Georgia,serif;color:#fff;font-size:22px;line-height:1.2;margin:0 0 7px}
.rf-form-sub{color:rgba(236,242,249,.72);font-size:13px;line-height:1.6;margin:0 0 18px}
.rf-form .wpcf7 br{display:none}.rf-form label{display:block;color:rgba(236,242,249,.8);font-size:12px;font-weight:800;margin-bottom:5px}
.rf-form input:not([type="submit"]),.rf-form textarea,.rf-form select{width:100%;background:rgba(255,255,255,.07);border:1px solid rgba(201,168,76,.24);border-radius:6px;color:#fff;padding:11px 12px;font-family:'DM Sans',sans-serif;font-size:13.5px}
.rf-form input[type="submit"],.rf-form button[type="submit"],.rf-form .wpcf7 input[type="submit"]{width:100%;background:var(--rf-gold);color:var(--rf-navy);border:0;border-radius:6px;padding:13px 18px;font-family:'DM Sans',sans-serif;font-size:14px;font-weight:900;cursor:pointer}
.rf-privacy{text-align:center;margin:12px 0 0;color:rgba(236,242,249,.58);font-size:11.5px}.rf-privacy a{text-decoration:underline}
@media(max-width:980px){.rf-hero-in,.rf-takeaway,.rf-compare,.rf-matrix,.rf-avoid{grid-template-columns:1fr}.rf-doc-card{max-width:520px}.rf-plan{grid-template-columns:repeat(2,1fr)}.rf-steps{grid-template-columns:1fr 1fr}.rf-rel{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.rf-hero{padding:42px 16px 36px}.rf-sec{padding:46px 16px}.rf-hero h1{font-size:31px}.rf-lead{font-size:15px}.rf-card,.rf-line,.rf-case,.rf-zone{padding:16px 14px}.rf-form{padding:22px 18px}.rf-sticky{padding:9px 40px 9px 12px;gap:8px}.rf-sticky span{font-size:12px}.rf-sticky a{padding:8px 12px;font-size:12px}}