:root{
  --rf-navy:#0F2340;
  --rf-navy-mid:#1A3A5C;
  --rf-navy-light:#234870;
  --rf-gold:#C9A84C;
  --rf-gold-light:#E2C97A;
  --rf-gold-soft:rgba(201,168,76,.12);
  --rf-gold-border:rgba(201,168,76,.25);
  --rf-cream:#F5F1EA;
  --rf-cream-dark:#EDE8DF;
  --rf-white:#fff;
  --rf-text:#3D4F63;
  --rf-muted:#7B8794;
  --rf-border:rgba(15,35,64,.10);
  --rf-green:#22c55e;
  --rf-red:#ef4444;
  --rf-blue:#60a5fa;
  --rf-orange:#f59e0b;
  --rf-radius:18px;
  --rf-shadow:0 18px 46px rgba(15,35,64,.08);
}
*{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;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit;text-decoration:none}
a:focus-visible,button:focus-visible{outline:2px solid var(--rf-gold);outline-offset:3px;border-radius:6px}
.rf-page{background:var(--rf-cream);overflow:hidden}

.rf-section{padding:76px 24px;overflow:hidden}
.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-flex;align-items:center;gap:8px;color:var(--rf-gold);font-size:11px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;margin-bottom:12px}
.rf-kicker:before{content:"";width:7px;height:7px;border-radius:50%;background:var(--rf-gold)}
.rf-section-head{max-width:840px;margin-bottom:36px}

.rf-section-head h2{font-family:'Playfair Display',serif;font-size:clamp(25px,3vw,40px);line-height:1.14;margin:0 0 14px;color:var(--rf-navy)}
.rf-section-head h2 em{font-style:normal;color:var(--rf-gold)}
.rf-section-head p{margin:0;color:var(--rf-text);font-size:15.5px;line-height:1.76}
.rf-light h2,.rf-light p{color:#fff!important}.rf-light p{color:rgba(232,238,245,.86)!important}
.rf-btn,.rf-btn-outline,.rf-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;text-align:center;border:0;cursor:pointer;font-family:'DM Sans',sans-serif}
.rf-btn{background:var(--rf-gold);color:var(--rf-navy)}
.rf-btn:hover{background:var(--rf-gold-light);transform:translateY(-2px);box-shadow:0 10px 30px rgba(201,168,76,.25)}
.rf-btn-outline{color:var(--rf-gold);border:1px solid var(--rf-gold-border);background:rgba(201,168,76,.08)}
.rf-btn-outline:hover{border-color:var(--rf-gold);background:rgba(201,168,76,.16)}
.rf-btn-ghost{color:rgba(232,238,245,.88);padding-left:0;padding-right:0;border-bottom:1px solid rgba(201,168,76,.28);border-radius:0;background:transparent}
.rf-btn-ghost:hover{color:var(--rf-gold)}
.rf-note{font-size:12.5px;color:var(--rf-muted);line-height:1.6}

/* Sticky */
.rf-sticky{position:fixed;bottom:0;left:0;right:0;z-index:800;background:var(--rf-navy);border-top:2px solid var(--rf-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}
.rf-sticky.on{transform:translateY(0)}
.rf-sticky span{color:rgba(232,238,245,.9);font-size:13px}.rf-sticky span strong{color:#fff}
.rf-sticky .rf-btn{min-height:36px;padding:8px 18px;font-size:13px;border-radius:6px}
.rf-sticky-x{position:absolute;right:14px;top:50%;transform:translateY(-50%);background:transparent;border:0;color:var(--rf-muted);font-size:22px;line-height:1;cursor:pointer}

/* Hero */
.rf-hero{background:var(--rf-navy);position:relative;overflow:hidden;padding:68px 24px 0}
.rf-hero:before{content:"";position:absolute;right:-160px;top:-180px;width:720px;height:720px;background:radial-gradient(circle,rgba(96,165,250,.12) 0%,transparent 66%)}
.rf-hero:after{content:"";position:absolute;left:0;right:0;bottom:0;height:1px;background:linear-gradient(90deg,transparent,rgba(201,168,76,.42),transparent)}
.rf-hero-grid{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1fr) 410px;gap:52px;position:relative;z-index:2;align-items:center}
.rf-badge{display:inline-flex;align-items:center;gap:8px;background:var(--rf-gold-soft);border:1px solid var(--rf-gold-border);color:var(--rf-gold-light);padding:7px 14px;border-radius:6px;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;margin-bottom:18px}
.rf-dot{width:7px;height:7px;border-radius:50%;background:var(--rf-gold);animation:rfBlink 2s infinite}@keyframes rfBlink{0%,100%{opacity:1}50%{opacity:.35}}
.rf-hero h1{font-family:'Playfair Display',serif;color:#fff;font-size:clamp(31px,4vw,52px);line-height:1.07;margin:0 0 16px}
.rf-hero h1 em{font-style:normal;color:var(--rf-gold)}
.rf-hero-intro{font-size:16.5px;color:rgba(232,238,245,.96);line-height:1.72;margin:0 0 18px;max-width:720px;font-weight:700;border-left:3px solid var(--rf-gold);padding-left:16px}
.rf-hero-lead{font-size:15.5px;color:rgba(232,238,245,.84);line-height:1.78;margin:0 0 24px;max-width:700px}
.rf-hero-lead a{color:var(--rf-gold);font-weight:800;text-decoration:underline;text-decoration-color:rgba(201,168,76,.45)}

.rf-hero-checks{display:grid;grid-template-columns:1fr 1fr;gap:9px 14px;max-width:700px;margin-bottom:22px}
.rf-hcheck{display:flex;gap:9px;color:rgba(232,238,245,.9);font-size:13px;line-height:1.45}
.rf-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(--rf-gold);display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;margin-top:1px}
.rf-hero-card{background:var(--rf-navy-mid);border:1px solid var(--rf-gold-border);border-radius:var(--rf-radius);overflow:hidden;box-shadow:0 22px 55px rgba(0,0,0,.14)}
.rf-hero-card-head{padding:15px 20px;background:linear-gradient(135deg,var(--rf-gold),var(--rf-gold-light));color:var(--rf-navy);font-weight:900;font-size:14px}
.rf-hero-card-body{padding:18px 20px}
.rf-mini-kpis{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.rf-mini-kpi{background:rgba(255,255,255,.055);border:1px solid rgba(201,168,76,.12);border-radius:12px;padding:13px 12px}
.rf-mini-kpi span{display:block;color:var(--rf-muted);font-size:10.5px;text-transform:uppercase;letter-spacing:.08em;font-weight:800;margin-bottom:4px}
.rf-mini-kpi strong{display:block;color:#fff;font-family:'Playfair Display',serif;font-size:23px;line-height:1.05;margin-bottom:5px}
.rf-mini-kpi small{display:block;color:rgba(232,238,245,.72);font-size:11.5px;line-height:1.4}
.rf-hero-alert{margin-top:12px;padding:12px;border-radius:12px;background:rgba(245,158,11,.10);border:1px solid rgba(245,158,11,.26);color:#fcd08a;font-size:12.5px;line-height:1.55}
.rf-trust{margin:42px auto 0;max-width:1160px;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(201,168,76,.16);position:relative;z-index:2}
.rf-trust-item{padding:18px 20px;border-right:1px solid rgba(201,168,76,.12)}.rf-trust-item:last-child{border-right:0}
.rf-trust-item strong{display:block;color:#fff;font-size:13.5px;margin-bottom:3px}.rf-trust-item span{display:block;color:rgba(232,238,245,.65);font-size:12.5px;line-height:1.45}

/* TOC */
.rf-toc{background:#fff;border-bottom:1px solid var(--rf-border);position:sticky;top:0;z-index:20}
.rf-toc-scroll{max-width:1160px;margin:0 auto;padding:12px 24px;display:flex;gap:10px;overflow-x:auto;scrollbar-width:thin}
.rf-toc a{white-space:nowrap;border:1px solid var(--rf-border);background:var(--rf-cream);border-radius:999px;padding:8px 13px;color:var(--rf-text);font-size:12.5px;font-weight:800}
.rf-toc a:hover{border-color:var(--rf-gold);color:var(--rf-navy)}

/* Cards / grids */

.rf-card{background:#fff;border:1px solid var(--rf-border);border-radius:var(--rf-radius);padding:22px;box-shadow:var(--rf-shadow)}
.rf-card.dark{background:var(--rf-navy-mid);border-color:rgba(201,168,76,.20)}
.rf-card h3{font-size:17px;line-height:1.25;margin:0 0 8px;color:var(--rf-navy)}
.rf-card.dark h3{color:#fff}.rf-card p{margin:0;color:var(--rf-text);font-size:14px;line-height:1.72}.rf-card.dark p{color:rgba(232,238,245,.82)}
.rf-card .rf-ico{font-size:24px;margin-bottom:10px;display:block}
.rf-highlight{border-left:4px solid var(--rf-gold);background:rgba(201,168,76,.09);border-radius:0 var(--rf-radius) var(--rf-radius) 0;padding:20px 22px;margin:24px 0}
.rf-highlight strong{display:block;font-size:15px;color:var(--rf-navy);margin-bottom:6px}.rf-highlight p{margin:0;color:var(--rf-text);font-size:14px;line-height:1.72}
.rf-highlight.dark{background:rgba(255,255,255,.075);border:1px solid rgba(201,168,76,.25);border-left:4px solid var(--rf-gold)}.rf-highlight.dark strong{color:#fff}.rf-highlight.dark p{color:rgba(232,238,245,.84)}

/* Role */
.rf-role{display:grid;grid-template-columns:1fr 370px;gap:34px;align-items:start}
.rf-text-block p{color:var(--rf-text);font-size:15.5px;line-height:1.82;margin:0 0 16px}.rf-text-block p:last-child{margin-bottom:0}
.rf-side-panel{background:var(--rf-navy);border-radius:var(--rf-radius);padding:24px;box-shadow:var(--rf-shadow);color:#fff;border:1px solid rgba(201,168,76,.22)}
.rf-side-panel h3{font-size:18px;line-height:1.3;margin:0 0 14px;color:#fff}.rf-side-panel ul{list-style:none;margin:0;padding:0;display:grid;gap:11px}
.rf-side-panel li{display:flex;gap:9px;color:rgba(232,238,245,.84);font-size:13.5px;line-height:1.55}.rf-side-panel li:before{content:"✓";color:var(--rf-gold);font-weight:900;flex-shrink:0}

/* KPI */

.rf-kpi-card{background:#fff;border:1px solid var(--rf-border);border-radius:16px;padding:18px;box-shadow:0 10px 28px rgba(15,35,64,.055)}
.rf-kpi-card span{display:block;font-size:10.5px;letter-spacing:.09em;text-transform:uppercase;font-weight:900;color:var(--rf-gold);margin-bottom:7px}
.rf-kpi-card strong{display:block;font-size:16px;color:var(--rf-navy);line-height:1.3;margin-bottom:6px}.rf-kpi-card p{margin:0;color:var(--rf-text);font-size:13.3px;line-height:1.6}

/* Tables */
.rf-table-wrap{overflow-x:auto;border-radius:var(--rf-radius);border:1px solid var(--rf-border);background:#fff;box-shadow:var(--rf-shadow)}
table.rf-table{width:100%;border-collapse:collapse;min-width:760px;background:#fff}
.rf-table th{background:var(--rf-navy);color:#fff;text-align:left;font-size:12px;letter-spacing:.06em;text-transform:uppercase;padding:14px 16px}.rf-table th em{color:var(--rf-gold);font-style:normal}
.rf-table td{padding:15px 16px;border-bottom:1px solid var(--rf-border);font-size:14px;color:var(--rf-text);vertical-align:top}.rf-table tr:last-child td{border-bottom:0}.rf-table td strong{color:var(--rf-navy)}

/* Process */
.rf-process{counter-reset:step;display:grid;grid-template-columns:repeat(5,1fr);gap:14px}
.rf-step{counter-increment:step;background:#fff;border:1px solid var(--rf-border);border-radius:var(--rf-radius);padding:20px;position:relative;box-shadow:0 10px 28px rgba(15,35,64,.055)}
.rf-step:before{content:"0" counter(step);display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:50%;background:var(--rf-gold);color:var(--rf-navy);font-weight:900;font-size:12px;margin-bottom:14px}
.rf-step h3{margin:0 0 8px;font-size:15.5px;color:var(--rf-navy);line-height:1.3}.rf-step p{margin:0;color:var(--rf-text);font-size:13.3px;line-height:1.65}

/* Pricing */
.rf-pricing{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.rf-price{background:#fff;border:1px solid var(--rf-border);border-radius:var(--rf-radius);padding:24px;box-shadow:var(--rf-shadow);display:flex;flex-direction:column}.rf-price.featured{border-color:var(--rf-gold);transform:translateY(-6px)}
.rf-price h3{margin:0 0 8px;font-size:18px;color:var(--rf-navy)}.rf-price .price{font-family:'Playfair Display',serif;font-size:30px;color:var(--rf-navy);line-height:1;margin:10px 0}.rf-price .price small{font-family:'DM Sans',sans-serif;font-size:13px;color:var(--rf-muted)}
.rf-price p{margin:0 0 16px;color:var(--rf-text);font-size:14px;line-height:1.68}.rf-price ul{list-style:none;margin:0 0 22px;padding:0;display:grid;gap:8px}.rf-price li{display:flex;gap:8px;font-size:13.5px;color:var(--rf-text);line-height:1.45}.rf-price li:before{content:"✓";color:var(--rf-gold);font-weight:900}.rf-price .rf-btn{margin-top:auto}

/* Anti cannibalisation */

.rf-alert-card{background:rgba(255,255,255,.07);border:1px solid rgba(201,168,76,.22);border-radius:var(--rf-radius);padding:22px}
.rf-alert-card h3{margin:0 0 10px;color:#fff;font-size:17px}.rf-alert-card p{margin:0 0 12px;color:rgba(232,238,245,.82);font-size:14px;line-height:1.7}.rf-alert-card a{color:var(--rf-gold);font-weight:800;text-decoration:underline;text-decoration-color:rgba(201,168,76,.35)}

/* Contact */
.rf-contact{display:grid;grid-template-columns:410px minmax(0,1fr);gap:26px;align-items:stretch}
.rf-contact-left{background:var(--rf-navy);border-radius:var(--rf-radius);padding:30px;border:1px solid var(--rf-gold-border);box-shadow:var(--rf-shadow)}
.rf-contact-left h2{font-family:'Playfair Display',serif;font-size:clamp(25px,3vw,38px);line-height:1.12;color:#fff;margin:0 0 14px}.rf-contact-left h2 em{font-style:normal;color:var(--rf-gold)}
.rf-contact-left p{color:rgba(232,238,245,.84);font-size:15px;line-height:1.75;margin:0 0 18px}
.rf-contact-list{list-style:none;margin:0 0 20px;padding:0;display:grid;gap:10px}.rf-contact-list li{display:flex;gap:9px;color:rgba(232,238,245,.88);font-size:13.5px;line-height:1.5}.rf-contact-list li:before{content:"✓";color:var(--rf-gold);font-weight:900}
.rf-direct{border-top:1px solid rgba(201,168,76,.18);padding-top:18px;display:grid;gap:8px}.rf-direct strong{color:#fff;font-size:13px}.rf-direct a{color:var(--rf-gold);font-weight:800;font-size:14px}.rf-direct small{color:rgba(232,238,245,.58);font-size:12px;line-height:1.45}
.rf-contact-right{background:#fff;border:1px solid var(--rf-border);border-radius:var(--rf-radius);padding:30px;box-shadow:var(--rf-shadow)}.rf-contact-right p{margin:0 0 18px;color:var(--rf-text);font-size:14.5px;line-height:1.7}.rf-contact-right strong{color:var(--rf-navy)}

/* FAQ — native details/summary accordion, no JavaScript dependency */
.rf-faq{display:grid;gap:12px}
.rf-faq-item{background:#fff;border:1px solid var(--rf-border);border-radius:14px;overflow:hidden;box-shadow:0 10px 26px rgba(15,35,64,.045)}
.rf-faq-item summary{list-style:none;cursor:pointer;color:var(--rf-navy);font-family:'DM Sans',sans-serif;font-size:15px;font-weight:900;text-align:left;padding:18px 20px;display:flex;align-items:center;justify-content:space-between;gap:14px;line-height:1.35}
.rf-faq-item summary::-webkit-details-marker{display:none}
.rf-faq-item summary::after{content:'+';color:var(--rf-gold);font-size:22px;font-weight:900;line-height:1;flex-shrink:0}
.rf-faq-item[open] summary{border-bottom:1px solid rgba(15,35,64,.08)}
.rf-faq-item[open] summary::after{content:'−'}
.rf-faq-a{display:block;padding:0 20px 18px;color:var(--rf-text);font-size:14px;line-height:1.75;background:#fff}
.rf-faq-a p{margin:14px 0 0;color:var(--rf-text);font-size:14px;line-height:1.75}

/* Related */
.rf-related-card{background:rgba(255,255,255,.06);border:1px solid rgba(201,168,76,.12);border-radius:16px;padding:18px;transition:.2s;min-height:150px;display:flex;flex-direction:column}.rf-related-card:hover{background:rgba(201,168,76,.08);border-color:var(--rf-gold-border);transform:translateY(-2px)}.rf-related-card span{display:block;color:var(--rf-gold);font-size:10.5px;font-weight:900;letter-spacing:.09em;text-transform:uppercase;margin-bottom:7px}.rf-related-card h3{margin:0 0 7px;color:#fff;font-size:15px;line-height:1.3}.rf-related-card p{margin:0 0 12px;color:rgba(232,238,245,.72);font-size:13px;line-height:1.55}.rf-related-card small{margin-top:auto;color:var(--rf-gold);font-weight:900;font-size:12.5px}

/* Final CTA */
.rf-final{text-align:center;max-width:760px;margin:0 auto}.rf-final h2{font-family:'Playfair Display',serif;font-size:clamp(27px,3.5vw,44px);color:#fff;line-height:1.12;margin:0 0 14px}.rf-final h2 em{font-style:normal;color:var(--rf-gold)}.rf-final p{color:rgba(232,238,245,.84);font-size:15.5px;line-height:1.75;margin:0 0 22px}

/* Mobile */
@media(max-width:1020px){
  .rf-hero-grid,.rf-role,.rf-contact{grid-template-columns:1fr}.rf-hero-card{max-width:520px}.rf-trust{grid-template-columns:repeat(2,1fr)}.rf-trust-item:nth-child(2){border-right:0}.rf-trust-item:nth-child(1),.rf-trust-item:nth-child(2){border-bottom:1px solid rgba(201,168,76,.12)}.rf-grid-4,.rf-kpi-grid,.rf-related-grid{grid-template-columns:repeat(2,1fr)}.rf-process{grid-template-columns:repeat(2,1fr)}.rf-pricing{grid-template-columns:1fr}.rf-price.featured{transform:none}.rf-alert-grid{grid-template-columns:1fr}
}
@media(max-width:720px){
  .rf-hero{padding:48px 16px 0}.rf-section{padding:56px 16px}.rf-wrap{padding:0 16px}.rf-toc-scroll{padding:11px 16px}.rf-actions{display:grid;grid-template-columns:1fr}.rf-btn,.rf-btn-outline{width:100%}.rf-btn-ghost{width:auto;justify-content:flex-start}.rf-mini-kpis{grid-template-columns:1fr 1fr}.rf-trust{grid-template-columns:1fr}.rf-trust-item{border-right:0!important;border-bottom:1px solid rgba(201,168,76,.12)}.rf-trust-item:last-child{border-bottom:0}.rf-contact-left,.rf-contact-right,.rf-card,.rf-side-panel{padding:22px}.rf-sticky{padding:10px 44px 10px 12px;justify-content:flex-start}.rf-sticky span{font-size:12px}.rf-sticky .rf-btn{display:none}.rf-table-wrap{margin-left:-2px;margin-right:-2px}.rf-hero h1 br{display:none}
}
@media(max-width:480px){
  .rf-mini-kpis{grid-template-columns:1fr}.rf-hero-card{display:none}.rf-section-head h2{font-size:26px}.rf-contact-left h2{font-size:26px}.rf-faq-q{font-size:14px;padding:16px}.rf-faq-a p{padding:0 16px 16px}.rf-related-card{min-height:auto}.rf-toc{position:relative}.rf-kicker{font-size:10px}.rf-hero-intro{font-size:15.5px}.rf-hero-lead{font-size:14.8px}
}