:root{
  --rf-navy:#0F2340;
  --rf-navy-mid:#1A3A5C;
  --rf-navy-light:#234870;
  --rf-gold:#C9A84C;
  --rf-gold-light:#E2C97A;
  --rf-gold-dim:rgba(201,168,76,.12);
  --rf-gold-bd:rgba(201,168,76,.24);
  --rf-cream:#F5F1EA;
  --rf-cream-dark:#EDE8DF;
  --rf-text:#3D4F63;
  --rf-muted:#7B8794;
  --rf-white:#fff;
  --rf-radius:10px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'DM Sans',sans-serif;background:var(--rf-cream);color:var(--rf-navy);line-height:1.65;overflow-x:hidden}
a{text-decoration:none;color:inherit}
strong{font-weight:700}


.rf-section{padding:72px 24px}
.rf-white{background:#fff}
.rf-cream{background:var(--rf-cream)}
.rf-cream-dark{background:var(--rf-cream-dark)}
.rf-navy{background:var(--rf-navy)}

.rf-kicker{
  display:inline-block;
  font-size:11px;
  font-weight:700;
  letter-spacing:.13em;
  text-transform:uppercase;
  color:var(--rf-gold);
  margin-bottom:10px;
}

.rf-section-head{max-width:760px;margin-bottom:34px}
.rf-section-head h2{
  font-family:'Playfair Display',serif;
  font-size:clamp(25px,3vw,38px);
  line-height:1.15;
  margin:0 0 14px;
  color:var(--rf-navy);
}
.rf-section-head p{font-size:16px;color:var(--rf-text);margin:0;line-height:1.75}
.rf-light h2{color:#fff}
.rf-light p{color:rgba(212,220,229,.84)}

.rf-hero{
  background:var(--rf-navy);
  padding:58px 24px 0;
  position:relative;
  overflow:hidden;
}
.rf-hero:before{
  content:"";
  position:absolute;
  top:-100px;
  right:-120px;
  width:680px;
  height:680px;
  background:radial-gradient(circle,rgba(201,168,76,.08),transparent 65%);
}
.rf-hero-grid{
  max-width:1160px;
  margin:0 auto;
  display:grid;
  grid-template-columns:1fr 410px;
  gap:48px;
  align-items:start;
  position:relative;
  z-index:1;
}
.rf-badge{
  display:inline-flex;
  align-items:center;
  gap:8px;
  background:var(--rf-gold-dim);
  border:1px solid var(--rf-gold-bd);
  color:var(--rf-gold-light);
  padding:7px 14px;
  border-radius:4px;
  font-size:11px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:.05em;
  margin-bottom:18px;
}
.rf-dot{
  width:7px;
  height:7px;
  border-radius:50%;
  background:var(--rf-gold);
}
.rf-hero h1{
  font-family:'Playfair Display',serif;
  color:#fff;
  font-size:clamp(31px,4vw,52px);
  line-height:1.1;
  margin:0 0 18px;
}
.rf-hero h1 em{
  display:block;
  color:var(--rf-gold);
  font-style:normal;
  font-size:.82em;
  margin-top:8px;
}
.rf-hero-intro{
  font-size:16px;
  color:rgba(212,220,229,.96);
  line-height:1.7;
  max-width:620px;
  font-weight:600;
  border-left:3px solid var(--rf-gold);
  padding-left:16px;
  margin:0 0 18px;
}
.rf-hero-lead{
  font-size:16px;
  color:rgba(212,220,229,.84);
  line-height:1.75;
  max-width:620px;
  margin:0 0 24px;
}
.rf-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:24px}
.rf-btn{
  display:inline-flex;
  justify-content:center;
  align-items:center;
  background:var(--rf-gold);
  color:var(--rf-navy);
  padding:13px 24px;
  border-radius:5px;
  font-weight:700;
  font-size:15px;
}
.rf-btn:hover{background:var(--rf-gold-light)}
.rf-btn-outline{
  display:inline-flex;
  align-items:center;
  color:rgba(212,220,229,.88);
  border-bottom:1px solid var(--rf-gold-bd);
  padding:13px 0;
  font-size:14px;
}
.rf-checks{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:9px;
  margin-bottom:24px;
}
.rf-check{
  color:rgba(212,220,229,.88);
  font-size:13px;
  padding-left:24px;
  position:relative;
}
.rf-check:before{
  content:"✓";
  position:absolute;
  left:0;
  top:0;
  color:var(--rf-gold);
  font-weight:700;
}

.rf-card{
  background:var(--rf-navy-mid);
  border:1px solid var(--rf-gold-bd);
  border-radius:var(--rf-radius);
  overflow:hidden;
}
.rf-card-head{
  background:linear-gradient(135deg,var(--rf-gold),var(--rf-gold-light));
  color:var(--rf-navy);
  padding:15px 20px;
  font-weight:800;
}
.rf-card-body{padding:16px 20px}
.rf-row{
  display:flex;
  justify-content:space-between;
  gap:16px;
  padding:10px 0;
  border-bottom:1px solid rgba(201,168,76,.1);
  color:rgba(212,220,229,.85);
  font-size:13px;
}
.rf-row span:last-child{color:var(--rf-gold);font-weight:700;text-align:right}
.rf-card-cta{
  display:block;
  background:var(--rf-gold);
  color:var(--rf-navy);
  text-align:center;
  padding:14px;
  font-weight:800;
}
.rf-card-note{
  text-align:center;
  padding:10px 18px 14px;
  color:var(--rf-muted);
  font-size:12px;
}

.rf-trust{
  max-width:1160px;
  margin:38px auto 0;
  display:grid;
  grid-template-columns:repeat(4,1fr);
  border-top:1px solid rgba(201,168,76,.1);
}
.rf-trust div{
  padding:14px 16px;
  color:#9BADB8;
  font-size:12.5px;
  border-right:1px solid rgba(201,168,76,.08);
}
.rf-trust div:last-child{border-right:none}

.rf-toc{
  background:#fff;
  border-bottom:1px solid rgba(15,35,64,.08);
  overflow-x:auto;
}
.rf-toc-inner{
  max-width:1160px;
  margin:0 auto;
  padding:0 24px;
  display:flex;
  white-space:nowrap;
}
.rf-toc a{
  padding:12px 14px;
  font-size:12px;
  color:var(--rf-muted);
  font-weight:700;
  border-bottom:2px solid transparent;
}
.rf-toc a.active,
.rf-toc a:hover{
  color:var(--rf-navy);
  border-color:var(--rf-gold);
  background:var(--rf-gold-dim);
}

.rf-grid-2{display:grid;grid-template-columns:1fr 1fr;gap:16px}



.rf-box{
  background:#fff;
  border:1px solid rgba(15,35,64,.08);
  border-radius:var(--rf-radius);
  padding:24px;
  box-shadow:0 2px 12px rgba(15,35,64,.05);
}
.rf-box h3{
  font-size:17px;
  margin:0 0 8px;
  color:var(--rf-navy);
}
.rf-box p,
.rf-box li{
  font-size:14px;
  color:var(--rf-text);
  line-height:1.7;
}
.rf-step span{
  display:block;
  font-family:'Playfair Display',serif;
  font-size:30px;
  color:var(--rf-gold);
  margin-bottom:8px;
}
.rf-list{
  margin:0;
  padding:0;
  list-style:none;
  display:flex;
  flex-direction:column;
  gap:8px;
}
.rf-list li{
  padding-left:22px;
  position:relative;
}
.rf-list li:before{
  content:"✓";
  position:absolute;
  left:0;
  color:var(--rf-gold);
  font-weight:800;
}

.rf-dark-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:2px;
  background:var(--rf-gold-bd);
  border-radius:var(--rf-radius);
  overflow:hidden;
}
.rf-dark-grid article{
  background:var(--rf-navy-mid);
  padding:24px;
}
.rf-dark-grid h3{
  margin:0 0 8px;
  color:#fff;
  font-size:16px;
}
.rf-dark-grid p{
  color:rgba(212,220,229,.82);
  font-size:13.5px;
  line-height:1.65;
  margin:0;
}

.rf-alert{
  margin-top:22px;
  border-left:4px solid var(--rf-gold);
  padding:16px 20px;
  border-radius:0 var(--rf-radius) var(--rf-radius) 0;
}
.rf-alert.dark{
  background:rgba(201,168,76,.1);
  color:rgba(212,220,229,.88);
}
.rf-alert strong{display:block;color:var(--rf-gold);margin-bottom:4px}
.rf-alert p{margin:0;font-size:13.5px;line-height:1.7}


.rf-link-card{
  display:block;
  background:#fff;
  border:1px solid rgba(15,35,64,.08);
  border-left:4px solid var(--rf-gold);
  border-radius:var(--rf-radius);
  padding:22px;
}
.rf-link-card strong{
  display:block;
  color:var(--rf-navy);
  font-size:16px;
  margin-bottom:6px;
}
.rf-link-card span{
  display:block;
  color:var(--rf-text);
  font-size:13.5px;
  line-height:1.65;
}
.rf-link-card:hover{
  box-shadow:0 8px 24px rgba(15,35,64,.1);
}

.rf-form-grid{
  display:grid;
  grid-template-columns:1fr 460px;
  gap:52px;
  align-items:start;
}
.rf-form-text h2{
  font-family:'Playfair Display',serif;
  color:#fff;
  font-size:clamp(26px,3vw,38px);
  line-height:1.15;
  margin:0 0 14px;
}
.rf-form-text h2 em{color:var(--rf-gold);font-style:normal}
.rf-form-text p{
  color:rgba(212,220,229,.86);
  font-size:15px;
  line-height:1.75;
  margin-bottom:18px;
}
.rf-form-text .rf-list li{color:rgba(212,220,229,.86)}
.rf-form-contact{display:flex;flex-direction:column;gap:6px;margin-top:20px}
.rf-form-contact a{color:var(--rf-gold);font-weight:700}

.rf-form-box{
  background:var(--rf-navy-mid);
  border:1px solid var(--rf-gold-bd);
  border-radius:var(--rf-radius);
  overflow:hidden;
}
.rf-form-head{
  background:linear-gradient(135deg,var(--rf-gold),var(--rf-gold-light));
  padding:18px 22px;
}
.rf-form-head h3{margin:0 0 3px;color:var(--rf-navy);font-size:18px}
.rf-form-head p{margin:0;color:rgba(15,35,64,.72);font-size:13px}
.rf-form-body{padding:22px;color:#fff}

.rf-related{
  background:var(--rf-cream);
  border-top:1px solid rgba(15,35,64,.08);
  padding:20px 24px;
}
.rf-related-inner{
  max-width:1160px;
  margin:0 auto;
  display:flex;
  gap:10px;
  flex-wrap:wrap;
  align-items:center;
}
.rf-related-label{
  font-size:11px;
  font-weight:800;
  letter-spacing:.12em;
  text-transform:uppercase;
  color:var(--rf-muted);
}
.rf-pill{
  background:#fff;
  border:1px solid rgba(15,35,64,.1);
  color:var(--rf-navy);
  border-radius:20px;
  padding:7px 14px;
  font-size:13px;
}
.rf-pill:hover{border-color:var(--rf-gold);color:var(--rf-gold)}

@media(max-width:1024px){
  .rf-hero-grid,
  .rf-form-grid{grid-template-columns:1fr;gap:32px}
  .rf-trust{grid-template-columns:1fr 1fr}
  
  
  .rf-section{padding:56px 24px}
}

@media(max-width:720px){
  .rf-hero{padding:38px 16px 0}
  .rf-section{padding:44px 16px}
  .rf-wrap{padding:0}
  .rf-hero h1{font-size:30px}
  .rf-hero-intro,
  .rf-hero-lead{font-size:15px}
  .rf-actions{flex-direction:column}
  .rf-btn,.rf-btn-outline{width:100%;justify-content:center}
  
  .rf-trust{grid-template-columns:1fr}
  .rf-trust div{border-right:none;border-bottom:1px solid rgba(201,168,76,.08)}
  .rf-row{flex-direction:column;gap:2px}
  .rf-row span:last-child{text-align:left}
  .rf-box{padding:20px}
}

@media(max-width:480px){
  .rf-hero h1{font-size:26px}
  .rf-section-head h2{font-size:25px}
  .rf-card-body,
  .rf-form-body{padding:18px}
}