:root{
  --rv-navy:#0F2340;
  --rv-navy-mid:#1A3A5C;
  --rv-navy-light:#234870;
  --rv-gold:#C9A84C;
  --rv-gold-light:#E2C97A;
  --rv-gold-soft:rgba(201,168,76,.12);
  --rv-gold-border:rgba(201,168,76,.25);
  --rv-cream:#F5F1EA;
  --rv-cream-dark:#EDE8DF;
  --rv-white:#fff;
  --rv-text:#3D4F63;
  --rv-muted:#7B8794;
  --rv-border:rgba(15,35,64,.10);
  --rv-teal:#0E7490;
  --rv-teal-light:#67e8f9;
  --rv-teal-soft:rgba(14,116,144,.12);
  --rv-teal-border:rgba(14,116,144,.28);
  --rv-red:#B91C1C;
  --rv-red-soft:rgba(185,28,28,.08);
  --rv-green:#15803d;
  --rv-green-soft:rgba(21,128,61,.09);
  --rv-radius:16px;
  --rv-shadow:0 16px 44px rgba(15,35,64,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'DM Sans',sans-serif;background:var(--rv-cream);color:var(--rv-navy);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit;text-decoration:none}
a:hover{text-decoration:none}
:focus-visible{outline:2px solid var(--rv-gold);outline-offset:3px;border-radius:4px}
.rv-page{background:var(--rv-cream);overflow:hidden}

.rv-section{padding:72px 24px;overflow:hidden}
.rv-white{background:#fff}.rv-cream{background:var(--rv-cream)}.rv-cream-dark{background:var(--rv-cream-dark)}.rv-navy{background:var(--rv-navy)}.rv-navy-mid{background:var(--rv-navy-mid)}
.rv-kicker{display:inline-flex;align-items:center;gap:8px;color:var(--rv-gold);font-size:11px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;margin-bottom:12px}
.rv-kicker:before{content:"";width:7px;height:7px;border-radius:50%;background:var(--rv-gold);display:inline-block}
.rv-section-head{max-width:840px;margin-bottom:36px}

.rv-section-head h2{font-family:'Playfair Display',serif;font-size:clamp(25px,3vw,40px);line-height:1.14;margin:0 0 14px;color:var(--rv-navy)}
.rv-section-head h2 em{font-style:normal;color:var(--rv-gold)}
.rv-section-head p{margin:0;color:var(--rv-text);font-size:15.5px;line-height:1.78}
.rv-light h2,.rv-light p{color:#fff!important}.rv-light p{color:rgba(232,238,245,.86)!important}
.rv-btn,.rv-btn-outline,.rv-btn-ghost{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:46px;padding:13px 24px;border-radius:8px;font-size:15px;font-weight:800;text-decoration:none;transition:all .22s ease;line-height:1.25;border:0;cursor:pointer;font-family:'DM Sans',sans-serif;text-align:center}
.rv-btn{background:var(--rv-gold);color:var(--rv-navy)}.rv-btn:hover{background:var(--rv-gold-light);transform:translateY(-2px);box-shadow:0 10px 30px rgba(201,168,76,.25)}
.rv-btn-outline{color:var(--rv-gold);border:1px solid var(--rv-gold-border);background:rgba(201,168,76,.08)}.rv-btn-outline:hover{border-color:var(--rv-gold);background:rgba(201,168,76,.16)}
.rv-btn-ghost{color:rgba(232,238,245,.9);padding-left:0;padding-right:0;border-radius:0;border-bottom:1px solid rgba(201,168,76,.32)}.rv-btn-ghost:hover{color:var(--rv-gold)}
.rv-chip{display:inline-flex;align-items:center;gap:7px;border:1px solid var(--rv-border);background:#fff;border-radius:999px;padding:7px 13px;color:var(--rv-text);font-size:13px;font-weight:600}
.rv-chip:before{content:"";width:6px;height:6px;border-radius:50%;background:var(--rv-gold)}

/* sticky */
.rv-sticky{position:fixed;bottom:0;left:0;right:0;z-index:800;background:var(--rv-navy);border-top:2px solid var(--rv-gold);padding:12px 20px;display:flex;align-items:center;justify-content:center;gap:14px;box-shadow:0 -4px 24px rgba(0,0,0,.30);transform:translateY(100%);transition:transform .3s ease}
.rv-sticky.on{transform:translateY(0)}.rv-sticky span{color:rgba(232,238,245,.9);font-size:13px}.rv-sticky span strong{color:#fff}.rv-sticky-x{position:absolute;right:14px;top:50%;transform:translateY(-50%);background:transparent;border:0;color:var(--rv-muted);font-size:22px;line-height:1;cursor:pointer}

/* hero */
.rv-hero{position:relative;overflow:hidden;background:var(--rv-navy);padding:58px 24px 0}
.rv-hero:before{content:"";position:absolute;width:720px;height:720px;right:-160px;top:-180px;background:radial-gradient(circle,rgba(14,116,144,.16) 0%,transparent 66%);pointer-events:none}
.rv-hero:after{content:"%";position:absolute;right:36px;bottom:-32px;font-family:'Playfair Display',serif;font-size:300px;font-weight:700;line-height:.8;color:rgba(201,168,76,.035);pointer-events:none}
.rv-hero-grid{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1fr) 390px;gap:48px;align-items:center;position:relative;z-index:2}
.rv-hero-badge{display:inline-flex;align-items:center;gap:8px;background:var(--rv-teal-soft);border:1px solid var(--rv-teal-border);color:var(--rv-teal-light);padding:7px 14px;border-radius:6px;font-size:11px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin-bottom:18px}
.rv-dot{width:7px;height:7px;border-radius:50%;background:var(--rv-teal-light);flex-shrink:0;animation:rvblink 2s infinite}@keyframes rvblink{0%,100%{opacity:1}50%{opacity:.35}}
.rv-hero h1{font-family:'Playfair Display',serif;font-size:clamp(30px,3.6vw,48px);line-height:1.08;color:#fff;margin:0 0 16px;max-width:820px}
.rv-hero h1 em{display:block;font-style:normal;color:var(--rv-gold);font-size:.86em;line-height:1.16;margin-top:6px}
.rv-hero-intro{font-size:16px;color:rgba(232,238,245,.96);line-height:1.72;margin:0 0 18px;max-width:700px;font-weight:700;border-left:3px solid var(--rv-gold);padding-left:16px}
.rv-hero-lead{font-size:15.5px;color:rgba(232,238,245,.84);line-height:1.78;margin:0 0 24px;max-width:680px}

.rv-hero-checks{display:grid;grid-template-columns:1fr 1fr;gap:9px 14px;max-width:700px;margin-bottom:22px}
.rv-hcheck{display:flex;gap:9px;color:rgba(232,238,245,.9);font-size:13px;line-height:1.45}.rv-check{width:19px;height:19px;min-width:19px;border-radius:50%;background:rgba(201,168,76,.15);border:1px solid rgba(201,168,76,.35);color:var(--rv-gold);display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;margin-top:1px}
.rv-hero-card{background:var(--rv-navy-mid);border:1px solid var(--rv-gold-border);border-radius:var(--rv-radius);overflow:hidden;box-shadow:0 22px 55px rgba(0,0,0,.12)}
.rv-hero-card-head{padding:15px 20px;background:linear-gradient(135deg,var(--rv-gold),var(--rv-gold-light));color:var(--rv-navy);font-weight:900;font-size:14px}.rv-hero-card-body{padding:18px 20px}
.rv-hero-row{display:flex;justify-content:space-between;gap:14px;padding:10px 0;border-bottom:1px solid rgba(201,168,76,.10)}.rv-hero-row:last-child{border-bottom:0}.rv-hero-row span:first-child{color:#D4DCE5;font-size:13px;line-height:1.45}.rv-hero-row span:last-child{color:var(--rv-gold);font-size:12.5px;font-weight:900;text-align:right;white-space:nowrap}
.rv-hero-card-note{border-top:1px solid rgba(201,168,76,.14);margin-top:10px;padding-top:13px;color:rgba(232,238,245,.78);font-size:12.5px;line-height:1.55}
.rv-trust{max-width:1160px;margin:34px auto 0;display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(201,168,76,.16);border:1px solid rgba(201,168,76,.16);border-bottom:0;position:relative;z-index:2}.rv-trust-item{background:rgba(15,35,64,.88);padding:17px 18px}.rv-trust-item strong{display:block;color:#fff;font-size:13.5px;margin-bottom:3px}.rv-trust-item span{display:block;color:rgba(232,238,245,.65);font-size:12px;line-height:1.45}

/* grids and cards */
.rv-grid-2{display:grid;grid-template-columns:1fr 1fr;gap:22px}.rv-grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.rv-card{background:#fff;border:1px solid var(--rv-border);border-radius:var(--rv-radius);padding:24px;box-shadow:var(--rv-shadow)}.rv-card h3{font-size:17px;line-height:1.25;margin:0 0 10px;color:var(--rv-navy)}.rv-card p{font-size:14px;color:var(--rv-text);margin:0;line-height:1.7}.rv-card a{color:var(--rv-gold);font-weight:800;text-decoration:underline;text-decoration-color:rgba(201,168,76,.35)}
.rv-rate-card{border-radius:18px;padding:26px 24px;border:1px solid var(--rv-border);background:#fff;box-shadow:var(--rv-shadow)}.rv-rate-card.featured{background:var(--rv-navy-mid);border-color:var(--rv-gold-border)}.rv-rate-card.featured h3,.rv-rate-card.featured p{color:#fff}.rv-rate{font-family:'Playfair Display',serif;font-size:52px;line-height:.95;color:var(--rv-gold);font-weight:700;margin-bottom:12px}.rv-rate-card p{font-size:14px;color:var(--rv-text);line-height:1.7;margin:0}.rv-rate-card small{display:block;color:var(--rv-muted);font-size:12px;line-height:1.55;margin-top:12px}.rv-rate-card.featured small{color:rgba(232,238,245,.66)}
.rv-note{background:rgba(201,168,76,.09);border:1px solid var(--rv-gold-border);border-left:4px solid var(--rv-gold);border-radius:0 16px 16px 0;padding:18px 22px;margin:26px 0;color:var(--rv-text);font-size:14px;line-height:1.72}.rv-note strong{color:var(--rv-navy)}
.rv-warning{background:var(--rv-red-soft);border:1px solid rgba(185,28,28,.18);border-left:4px solid var(--rv-red);border-radius:0 16px 16px 0;padding:18px 22px;color:var(--rv-text);font-size:14px;line-height:1.72}.rv-warning strong{color:var(--rv-red)}
.rv-success{background:var(--rv-green-soft);border:1px solid rgba(21,128,61,.18);border-left:4px solid var(--rv-green);border-radius:0 16px 16px 0;padding:18px 22px;color:var(--rv-text);font-size:14px;line-height:1.72}.rv-success strong{color:var(--rv-green)}
.rv-table-wrap{overflow-x:auto;border-radius:16px;border:1px solid var(--rv-border);background:#fff;box-shadow:var(--rv-shadow)}.rv-table{width:100%;border-collapse:collapse;min-width:760px}.rv-table th{background:var(--rv-navy);color:#fff;text-align:left;font-size:12px;text-transform:uppercase;letter-spacing:.08em;padding:15px 16px}.rv-table td{padding:15px 16px;border-bottom:1px solid var(--rv-border);font-size:14px;color:var(--rv-text);vertical-align:top}.rv-table tr:last-child td{border-bottom:0}.rv-table strong{color:var(--rv-navy)}
.rv-toc{background:#fff;border-top:1px solid var(--rv-border);border-bottom:1px solid var(--rv-border);padding:20px 24px}.rv-toc-in{max-width:1160px;margin:0 auto;display:flex;gap:10px;flex-wrap:wrap}.rv-toc a{font-size:13px;font-weight:800;color:var(--rv-text);background:var(--rv-cream);border:1px solid var(--rv-border);border-radius:999px;padding:8px 13px}.rv-toc a:hover{border-color:var(--rv-gold);color:var(--rv-gold)}

.rv-method-card{background:#fff;border:1px solid var(--rv-border);border-radius:18px;overflow:hidden;box-shadow:var(--rv-shadow)}.rv-method-head{padding:18px 22px;background:var(--rv-navy);color:#fff}.rv-method-head h3{margin:0 0 4px;font-size:18px}.rv-method-head span{font-size:12.5px;color:rgba(232,238,245,.72)}.rv-method-body{padding:22px}.rv-list{list-style:none;margin:0;padding:0;display:grid;gap:10px}.rv-list li{position:relative;padding-left:24px;color:var(--rv-text);font-size:14px;line-height:1.62}.rv-list li:before{content:"✓";position:absolute;left:0;top:0;color:var(--rv-gold);font-weight:900}.rv-list.danger li:before{content:"!";color:var(--rv-red)}
.rv-process{counter-reset:step;display:grid;grid-template-columns:repeat(5,1fr);gap:14px}.rv-step{position:relative;background:#fff;border:1px solid var(--rv-border);border-radius:16px;padding:22px 18px;box-shadow:var(--rv-shadow)}.rv-step:before{counter-increment:step;content:counter(step);display:flex;align-items:center;justify-content:center;width:30px;height:30px;border-radius:50%;background:var(--rv-gold);color:var(--rv-navy);font-weight:900;margin-bottom:14px}.rv-step h3{font-size:15px;line-height:1.25;margin:0 0 8px;color:var(--rv-navy)}.rv-step p{font-size:13.5px;line-height:1.65;color:var(--rv-text);margin:0}

/* FAQ */
.rv-faq{max-width:900px;margin:0 auto;display:grid;gap:12px}.rv-faq-item{background:#fff;border:1px solid var(--rv-border);border-radius:14px;overflow:hidden;box-shadow:0 8px 24px rgba(15,35,64,.05)}.rv-faq-q{width:100%;background:#fff;border:0;text-align:left;padding:18px 22px;font-size:15px;font-weight:900;color:var(--rv-navy);display:flex;justify-content:space-between;gap:18px;cursor:pointer;font-family:'DM Sans',sans-serif}.rv-faq-ico{width:24px;height:24px;min-width:24px;border-radius:50%;border:1px solid var(--rv-gold-border);display:flex;align-items:center;justify-content:center;color:var(--rv-gold);transition:.2s}.rv-faq-ico:before{content:"+"}.rv-faq-ico.open{background:var(--rv-gold);color:var(--rv-navy)}.rv-faq-ico.open:before{content:"−"}.rv-faq-a{display:none;padding:0 22px 20px;color:var(--rv-text);font-size:14.5px;line-height:1.75}.rv-faq-a.open{display:block}.rv-faq-a p{margin:0}

/* contact */
.rv-contact-section{background:var(--rv-cream);padding:76px 24px}.rv-contact-wrap{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1fr) 430px;gap:0;border-radius:22px;overflow:hidden;box-shadow:0 24px 70px rgba(15,35,64,.12);border:1px solid rgba(201,168,76,.18)}.rv-contact-left{background:var(--rv-navy);padding:42px;color:#fff}.rv-contact-left h2{font-family:'Playfair Display',serif;font-size:clamp(26px,3vw,40px);line-height:1.14;margin:0 0 16px;color:#fff}.rv-contact-left h2 em{font-style:normal;color:var(--rv-gold)}.rv-contact-left p{color:rgba(232,238,245,.84);font-size:15.5px;line-height:1.75;margin:0 0 22px}.rv-contact-list{list-style:none;margin:0 0 24px;padding:0;display:grid;gap:11px}.rv-contact-list li{position:relative;padding-left:24px;color:rgba(232,238,245,.9);font-size:14px;line-height:1.55}.rv-contact-list li:before{content:"✓";position:absolute;left:0;color:var(--rv-gold);font-weight:900}.rv-direct{border-top:1px solid rgba(201,168,76,.18);padding-top:20px;display:grid;gap:8px}.rv-direct strong{font-size:13px;color:#fff}.rv-direct a{color:var(--rv-gold);font-weight:800;font-size:14px}.rv-direct small{font-size:12px;color:rgba(232,238,245,.55)}.rv-contact-right{background:#fff;padding:38px}.rv-contact-right p{font-size:14.5px;line-height:1.7;color:var(--rv-text);margin:0 0 20px}.rv-contact-form{background:var(--rv-cream);border:1px solid var(--rv-border);border-radius:16px;padding:20px}.rv-contact-form .rv-form-note{font-size:12px;color:var(--rv-muted);line-height:1.55;margin-top:12px}

.rv-final{background:var(--rv-navy);padding:64px 24px 78px;text-align:center;color:#fff}.rv-final h2{font-family:'Playfair Display',serif;font-size:clamp(27px,3vw,42px);line-height:1.14;margin:0 0 14px}.rv-final h2 em{font-style:normal;color:var(--rv-gold)}.rv-final p{max-width:650px;margin:0 auto 24px;color:rgba(232,238,245,.84);font-size:15.5px;line-height:1.78}.rv-final-actions{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}.rv-legal{font-size:12px;color:var(--rv-muted);line-height:1.6;margin-top:14px}

@media(max-width:1020px){
  .rv-hero-grid,.rv-contact-wrap{grid-template-columns:1fr}.rv-hero-card{max-width:520px}.rv-trust{grid-template-columns:1fr 1fr}.rv-grid-4{grid-template-columns:1fr 1fr}.rv-process{grid-template-columns:1fr 1fr}.rv-grid-3{grid-template-columns:1fr 1fr}.rv-grid-2{grid-template-columns:1fr}
}
@media(max-width:680px){
  .rv-wrap{padding:0 16px}.rv-section{padding:52px 16px}.rv-hero{padding:44px 16px 0}.rv-hero:after{font-size:180px;right:0}.rv-hero-grid{gap:28px}.rv-hero h1{font-size:clamp(29px,10vw,39px)}.rv-hero-intro{font-size:15px}.rv-hero-actions,.rv-final-actions{flex-direction:column;align-items:stretch}.rv-btn,.rv-btn-outline,.rv-btn-ghost{width:100%;padding:13px 18px}.rv-toc{padding:16px}.rv-toc-in{display:grid;grid-template-columns:1fr 1fr}.rv-toc a{text-align:center;font-size:12px;padding:8px 10px}.rv-rate{font-size:44px}.rv-card,.rv-rate-card{padding:20px}.rv-contact-section{padding:52px 16px}.rv-contact-left,.rv-contact-right{padding:26px 20px}.rv-sticky{align-items:flex-start;justify-content:flex-start;padding:12px 48px 12px 14px}.rv-sticky span{display:none}.rv-sticky .rv-btn{width:auto;min-height:40px;font-size:13px;padding:10px 16px}.rv-sticky-x{right:10px}.rv-table{min-width:690px}.rv-faq-q{font-size:14px;padding:17px 18px}.rv-faq-a{padding:0 18px 18px}.rv-hero-row{align-items:flex-start}.rv-hero-row span:last-child{white-space:normal}
}
@media(max-width:430px){.rv-toc-in{grid-template-columns:1fr}.rv-hero-checks{gap:8px}.rv-trust-item{padding:15px}.rv-contact-form{padding:16px}}