:root{
  --rb-navy:#0F2340;
  --rb-navy-mid:#1A3A5C;
  --rb-navy-light:#234870;
  --rb-gold:#C9A84C;
  --rb-gold-light:#E2C97A;
  --rb-gold-soft:rgba(201,168,76,.12);
  --rb-gold-border:rgba(201,168,76,.25);
  --rb-cream:#F5F1EA;
  --rb-cream-dark:#EDE8DF;
  --rb-white:#fff;
  --rb-text:#3D4F63;
  --rb-muted:#7B8794;
  --rb-border:rgba(15,35,64,.10);
  --rb-green:#22c55e;
  --rb-green-soft:rgba(34,197,94,.12);
  --rb-red:#ef4444;
  --rb-red-soft:rgba(239,68,68,.10);
  --rb-radius:18px;
  --rb-shadow:0 18px 48px rgba(15,35,64,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'DM Sans',sans-serif;background:var(--rb-cream);color:var(--rb-navy);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit;text-decoration:none}
.rb-page{background:var(--rb-cream);overflow:hidden}

.rb-section{padding:76px 24px}
.rb-white{background:#fff}
.rb-cream{background:var(--rb-cream)}
.rb-cream-dark{background:var(--rb-cream-dark)}
.rb-navy{background:var(--rb-navy)}
.rb-navy-mid{background:var(--rb-navy-mid)}
.rb-kicker{display:inline-flex;align-items:center;gap:8px;color:var(--rb-gold);font-size:11px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;margin-bottom:12px}
.rb-kicker:before{content:"";width:22px;height:1px;background:var(--rb-gold)}
.rb-section-head{max-width:840px;margin-bottom:36px}

.rb-section-head.center .rb-kicker{justify-content:center}
.rb-section-head.center .rb-kicker:after{content:"";width:22px;height:1px;background:var(--rb-gold)}
.rb-section-head h2{font-family:'Playfair Display',serif;font-size:clamp(26px,3vw,32px);line-height:1.12;margin:0 0 14px;color:var(--rb-navy)}
.rb-section-head h2 em{font-style:normal;color:var(--rb-gold)}
.rb-section-head p{margin:0;color:var(--rb-text);font-size:15.7px;line-height:1.78}
.rb-light h2,.rb-light h3{color:#fff!important}
.rb-light p{color:rgba(232,238,245,.88)!important}
.rb-btn,.rb-btn-outline,.rb-btn-ghost{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:47px;padding:13px 24px;border-radius:8px;font-size:15px;font-weight:800;text-decoration:none;transition:all .22s ease;border:0;cursor:pointer;font-family:'DM Sans',sans-serif}
.rb-btn{background:var(--rb-gold);color:var(--rb-navy)!important}
.rb-btn:hover{background:var(--rb-gold-light);transform:translateY(-2px);box-shadow:0 10px 30px rgba(201,168,76,.25)}
.rb-btn-outline{color:var(--rb-gold)!important;border:1px solid var(--rb-gold-border);background:rgba(201,168,76,.08)}
.rb-btn-outline:hover{border-color:var(--rb-gold);background:rgba(201,168,76,.16)}
.rb-btn-ghost{color:rgba(232,238,245,.88);padding-left:0;padding-right:0;border-bottom:1px solid rgba(201,168,76,.32);border-radius:0;min-height:42px}
.rb-btn-ghost:hover{color:var(--rb-gold)}
.rb-card{background:#fff;border:1px solid var(--rb-border);border-radius:var(--rb-radius);padding:24px;box-shadow:0 2px 14px rgba(15,35,64,.05)}
.rb-card h3{font-size:16px;line-height:1.32;color:var(--rb-navy);margin:0 0 9px}
.rb-card p{margin:0;color:var(--rb-text);font-size:13.8px;line-height:1.7}
.rb-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px}
.rb-list li{display:flex;gap:10px;color:var(--rb-text);font-size:13.7px;line-height:1.58}
.rb-list li:before{content:"✓";width:20px;height:20px;min-width:20px;border-radius:50%;background:var(--rb-gold-soft);color:var(--rb-gold);display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;margin-top:1px}
.rb-light .rb-list li{color:rgba(236,242,248,.92)}
.rb-light .rb-list li:before{background:rgba(201,168,76,.22);border:1px solid rgba(201,168,76,.38)}
.rb-alert{border-left:4px solid var(--rb-gold);border-radius:0 var(--rb-radius) var(--rb-radius) 0;background:rgba(201,168,76,.09);padding:18px 22px;margin:24px 0}
.rb-alert strong{display:block;color:var(--rb-navy);font-size:14px;margin-bottom:5px}
.rb-alert p{margin:0;color:var(--rb-text);font-size:13.5px;line-height:1.68}
.rb-alert-dark{background:rgba(255,255,255,.085);border:1px solid rgba(201,168,76,.32);border-left:4px solid var(--rb-gold)}
.rb-alert-dark strong{color:#F6E2A0}
.rb-alert-dark p{color:rgba(236,242,248,.88)}

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

.rb-hero{position:relative;overflow:hidden;background:var(--rb-navy);padding:64px 24px 0}
.rb-hero:before{content:"";position:absolute;width:760px;height:760px;right:-170px;top:-190px;background:radial-gradient(circle,rgba(201,168,76,.10) 0%,transparent 66%);pointer-events:none}
.rb-hero:after{content:"§";position:absolute;right:30px;bottom:-25px;font-family:'Playfair Display',serif;font-size:230px;color:rgba(201,168,76,.035);line-height:1;pointer-events:none}
.rb-hero-grid{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1fr) 410px;gap:52px;align-items:center;position:relative;z-index:2}
.rb-badge{display:inline-flex;align-items:center;gap:8px;background:var(--rb-gold-soft);border:1px solid var(--rb-gold-border);color:var(--rb-gold-light);padding:7px 14px;border-radius:6px;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;margin-bottom:18px}
.rb-dot{width:7px;height:7px;border-radius:50%;background:var(--rb-gold)}
.rb-hero h1{font-family:'Playfair Display',serif;color:#fff;font-size:clamp(31px,4vw,43px);line-height:1.06;margin:0 0 16px}
.rb-hero h1 em{font-style:normal;color:var(--rb-gold)}
.rb-hero-intro{font-size:16.7px;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(--rb-gold);padding-left:16px}
.rb-hero-lead{font-size:15.6px;color:rgba(232,238,245,.84);line-height:1.78;margin:0 0 24px;max-width:700px}
.rb-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:26px}
.rb-hero-checks{display:grid;grid-template-columns:1fr 1fr;gap:10px 16px;margin-bottom:28px;max-width:720px}
.rb-check{display:flex;gap:9px;color:rgba(232,238,245,.9);font-size:13px;line-height:1.45}
.rb-check:before{content:"✓";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(--rb-gold);display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;margin-top:1px}
.rb-hero-card{background:var(--rb-navy-mid);border:1px solid var(--rb-gold-border);border-radius:var(--rb-radius);overflow:hidden;box-shadow:0 24px 60px rgba(0,0,0,.16)}
.rb-hero-card-head{padding:17px 20px;background:linear-gradient(135deg,var(--rb-gold),var(--rb-gold-light));font-weight:900;color:var(--rb-navy)}
.rb-hero-card-head span{display:block;font-size:12px;color:rgba(15,35,64,.70);font-weight:700;margin-top:2px}
.rb-hero-card-body{padding:18px 20px}
.rb-price-line{display:flex;justify-content:space-between;gap:14px;padding:11px 0;border-bottom:1px solid rgba(201,168,76,.08)}
.rb-price-line:last-child{border-bottom:0}
.rb-price-line span:first-child{color:#D4DCE5;font-size:13px;line-height:1.4}
.rb-price-line span:first-child small{display:block;color:#9BADB8;font-size:11px;margin-top:2px}
.rb-price-line span:last-child{color:var(--rb-gold);font-size:12.5px;font-weight:900;white-space:nowrap;text-align:right}
.rb-card-cta{display:block;background:var(--rb-gold);color:var(--rb-navy)!important;text-align:center;padding:14px 18px;font-weight:900;text-decoration:none}
.rb-card-note{padding:11px 18px 15px;color:#9BADB8;font-size:11.5px;text-align:center}
.rb-trust{max-width:1160px;margin:40px auto 0;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(201,168,76,.10);position:relative;z-index:2}
.rb-trust div{padding:14px 15px;color:#9BADB8;font-size:12.5px;border-right:1px solid rgba(201,168,76,.07)}
.rb-trust div:last-child{border-right:0}

.rb-warning{background:var(--rb-navy);border-top:3px solid var(--rb-gold);border-bottom:1px solid rgba(201,168,76,.15)}
.rb-warning-in{max-width:1160px;margin:0 auto;padding:17px 24px;display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.rb-warning-icon{width:34px;height:34px;min-width:34px;border-radius:50%;background:rgba(201,168,76,.15);color:var(--rb-gold-light);display:flex;align-items:center;justify-content:center;font-weight:900}
.rb-warning-text{flex:1;color:#D4DCE5;font-size:13.7px;line-height:1.6}
.rb-warning-text strong{color:#fff}
.rb-warning .rb-btn{min-height:40px;padding:10px 18px;font-size:13px}

.rb-toc{background:#fff;border-bottom:1px solid var(--rb-border);overflow-x:auto;-webkit-overflow-scrolling:touch}
.rb-toc-inner{max-width:1160px;margin:0 auto;padding:0 24px;display:flex;white-space:nowrap}
.rb-toc a{display:inline-block;padding:12px 14px;color:var(--rb-muted);font-size:12px;font-weight:900;text-decoration:none;border-bottom:2px solid transparent}
.rb-toc a:hover,.rb-toc .active{color:var(--rb-navy);background:var(--rb-gold-soft);border-color:var(--rb-gold)}




.rb-segment{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.rb-segment .rb-card{position:relative;overflow:hidden}
.rb-segment .rb-card:before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:var(--rb-gold)}

.rb-benefits{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.rb-benefit-box{border-radius:var(--rb-radius);padding:24px;border:1px solid var(--rb-border);background:#fff}
.rb-benefit-box.bad{border-color:rgba(239,68,68,.2);background:rgba(239,68,68,.045)}
.rb-benefit-box.good{border-color:rgba(34,197,94,.2);background:rgba(34,197,94,.045)}
.rb-benefit-box h3{margin:0 0 14px;color:var(--rb-navy);font-size:17px}
.rb-benefit-box ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:9px}
.rb-benefit-box li{font-size:13.7px;color:var(--rb-text);line-height:1.55;display:flex;gap:9px}
.rb-benefit-box.bad li:before{content:"✕";color:var(--rb-red);font-weight:900}
.rb-benefit-box.good li:before{content:"✓";color:var(--rb-green);font-weight:900}

.rb-compare{overflow:hidden;border-radius:var(--rb-radius);border:1px solid var(--rb-border);background:#fff;box-shadow:var(--rb-shadow)}
.rb-compare-row{display:grid;grid-template-columns:1fr 1fr 1fr;border-bottom:1px solid var(--rb-border)}
.rb-compare-row:last-child{border-bottom:0}
.rb-compare-cell{padding:17px 18px;font-size:13.5px;color:var(--rb-text);line-height:1.55;border-right:1px solid var(--rb-border)}
.rb-compare-cell:last-child{border-right:0}
.rb-compare-head .rb-compare-cell{background:var(--rb-navy);color:#fff;font-weight:900}
.rb-compare-head .rb-compare-cell:first-child{background:var(--rb-navy-mid);color:var(--rb-gold)}
.rb-compare-cell strong{color:var(--rb-navy)}
.rb-compare-head strong{color:#fff}

.rb-price-logic{display:grid;grid-template-columns:1.05fr .95fr;gap:18px;margin:0 0 26px}
.rb-cost-card{background:#fff;border:1px solid var(--rb-border);border-radius:var(--rb-radius);padding:24px;box-shadow:var(--rb-shadow)}
.rb-cost-card.dark{background:var(--rb-navy);border-color:var(--rb-gold-border)}
.rb-cost-card h3{margin:0 0 10px;color:var(--rb-navy);font-size:17px;line-height:1.32}
.rb-cost-card.dark h3{color:#fff}
.rb-cost-card p{margin:0 0 14px;color:var(--rb-text);font-size:13.8px;line-height:1.72}
.rb-cost-card.dark p{color:rgba(232,238,245,.86)}
.rb-cost-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:22px 0 0}
.rb-cost-mini{background:rgba(201,168,76,.08);border:1px solid var(--rb-gold-border);border-radius:14px;padding:16px 14px}
.rb-cost-mini strong{display:block;color:var(--rb-navy);font-size:13.5px;margin-bottom:5px}
.rb-cost-mini span{display:block;color:var(--rb-text);font-size:12.5px;line-height:1.5}
.rb-cost-card.dark .rb-cost-mini{background:rgba(255,255,255,.07);border-color:rgba(201,168,76,.28)}
.rb-cost-card.dark .rb-cost-mini strong{color:var(--rb-gold-light)}
.rb-cost-card.dark .rb-cost-mini span{color:rgba(232,238,245,.82)}
.rb-price-explain{margin:26px 0 0;background:#fff;border:1px solid var(--rb-border);border-radius:var(--rb-radius);padding:24px;box-shadow:0 2px 14px rgba(15,35,64,.05)}
.rb-price-explain h3{margin:0 0 12px;color:var(--rb-navy);font-size:17px;line-height:1.32}
.rb-price-explain p{margin:0;color:var(--rb-text);font-size:13.8px;line-height:1.72}

.rb-pricing{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.rb-price-card{background:#fff;border:1px solid var(--rb-border);border-radius:var(--rb-radius);padding:24px;box-shadow:var(--rb-shadow);position:relative}
.rb-price-card.featured{border-color:var(--rb-gold);transform:translateY(-6px)}
.rb-price-badge{position:absolute;top:14px;right:14px;background:var(--rb-gold-soft);border:1px solid var(--rb-gold-border);color:var(--rb-gold);font-size:10px;font-weight:900;padding:4px 9px;border-radius:999px;text-transform:uppercase}
.rb-price-title{font-size:17px;color:var(--rb-navy);font-weight:900;margin:0 0 5px}
.rb-price-sub{font-size:12.5px;color:var(--rb-muted);margin-bottom:16px}
.rb-price{font-family:'Playfair Display',serif;font-size:34px;color:var(--rb-gold);font-weight:700;line-height:1;margin-bottom:12px}
.rb-price small{font-family:'DM Sans',sans-serif;font-size:12px;color:var(--rb-muted);font-weight:700}
.rb-price-card .rb-list{margin-top:16px}
.rb-price-card .rb-btn{width:100%;margin-top:18px}

.rb-calculator{background:var(--rb-navy);border-radius:22px;padding:26px;border:1px solid var(--rb-gold-border);box-shadow:0 24px 60px rgba(15,35,64,.18)}
.rb-calculator h3{color:#fff;margin:0 0 6px;font-size:20px}
.rb-calculator p{color:rgba(232,238,245,.84);font-size:13.7px;line-height:1.65;margin:0 0 18px}

.rb-field label{display:block;color:#D4DCE5;font-size:12px;font-weight:800;margin-bottom:6px}
.rb-field select,.rb-field input{width:100%;height:44px;border-radius:8px;border:1px solid rgba(201,168,76,.22);background:rgba(255,255,255,.06);color:#fff;padding:0 12px;font-family:'DM Sans',sans-serif}
.rb-field select option{color:var(--rb-navy)}
.rb-calc-result{margin-top:18px;background:rgba(201,168,76,.10);border:1px solid rgba(201,168,76,.25);border-radius:16px;padding:18px}
.rb-calc-amount{font-family:'Playfair Display',serif;color:var(--rb-gold);font-size:30px;font-weight:700;line-height:1.1}
.rb-calc-label{color:#D4DCE5;font-size:12px;margin-top:5px}
.rb-calc-disclaimer{color:#9BADB8!important;font-size:11.5px!important;margin-top:10px!important}

.rb-process{counter-reset:step;display:grid;grid-template-columns:repeat(5,1fr);gap:2px;background:var(--rb-gold-border);border-radius:var(--rb-radius);overflow:hidden}
.rb-process-card{background:#fff;padding:22px 18px;min-height:190px}
.rb-process-card:before{counter-increment:step;content:"0" counter(step);display:block;font-family:'Playfair Display',serif;font-size:27px;color:rgba(201,168,76,.42);font-weight:700;margin-bottom:9px}
.rb-process-card h3{font-size:14px;margin:0 0 8px;color:var(--rb-navy);line-height:1.28}
.rb-process-card p{margin:0;font-size:12.8px;color:var(--rb-text);line-height:1.6}

.rb-geo{background:linear-gradient(135deg,var(--rb-navy),var(--rb-navy-mid));border-radius:22px;padding:34px;position:relative;overflow:hidden}
.rb-geo:before{content:"";position:absolute;right:-60px;top:-60px;width:240px;height:240px;background:radial-gradient(circle,rgba(201,168,76,.12),transparent 70%)}
.rb-geo h2{font-family:'Playfair Display',serif;color:#fff;font-size:clamp(24px,3vw,38px);line-height:1.15;margin:0 0 12px}
.rb-geo p{color:rgba(232,238,245,.86);max-width:780px;margin:0 0 20px}
.rb-city-grid{display:flex;flex-wrap:wrap;gap:9px}
.rb-city{display:inline-flex;background:rgba(255,255,255,.08);border:1px solid rgba(201,168,76,.22);color:#fff;padding:8px 13px;border-radius:999px;font-size:13px;font-weight:800}
.rb-city strong{color:var(--rb-gold)}

.rb-faq-list{display:flex;flex-direction:column;gap:2px;background:var(--rb-border);border-radius:var(--rb-radius);overflow:hidden}
.rb-faq-item{background:#fff}
.rb-faq-q{width:100%;border:0;background:#fff;text-align:left;padding:20px 24px;display:flex;justify-content:space-between;gap:16px;cursor:pointer;color:var(--rb-navy);font-weight:900;font-size:15px;font-family:'DM Sans',sans-serif}
.rb-faq-q:hover{background:rgba(201,168,76,.04)}
.rb-faq-icon{width:26px;height:26px;min-width:26px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:var(--rb-gold-soft);color:var(--rb-gold);font-size:20px;line-height:1;transition:transform .25s}
.rb-faq-item.open .rb-faq-icon{transform:rotate(45deg)}
.rb-faq-a{max-height:0;overflow:hidden;transition:max-height .32s ease,padding .25s ease;padding:0 24px}
.rb-faq-item.open .rb-faq-a{max-height:420px;padding-bottom:20px}
.rb-faq-a p{border-top:1px solid var(--rb-border);padding-top:14px;margin:0;color:var(--rb-text);font-size:14px;line-height:1.72}

.rb-form-wrap{display:grid;grid-template-columns:.9fr 1.1fr;gap:34px;align-items:start}
.rb-form-text{background:var(--rb-navy);border-radius:22px;padding:30px;border:1px solid var(--rb-gold-border)}
.rb-form-text h2{font-family:'Playfair Display',serif;color:#fff;font-size:32px;line-height:1.14;margin:0 0 12px}
.rb-form-text p{color:rgba(232,238,245,.86);font-size:14.5px;line-height:1.72;margin:0 0 18px}
.rb-form-box{background:#fff;border:1px solid var(--rb-border);border-radius:22px;padding:26px;box-shadow:var(--rb-shadow)}
.rb-form-box h3{margin:0 0 8px;color:var(--rb-navy);font-size:18px}
.rb-form-box p{margin:0 0 16px;color:var(--rb-text);font-size:13.5px;line-height:1.65}

.rb-related{display:flex;flex-wrap:wrap;gap:10px}
.rb-chip{display:inline-flex;align-items:center;gap:7px;background:#fff;border:1px solid var(--rb-border);border-radius:999px;padding:8px 14px;font-size:13px;color:var(--rb-text);font-weight:800}
.rb-chip:hover{border-color:var(--rb-gold);color:var(--rb-gold)}

@media(max-width:1040px){
  .rb-hero-grid,.rb-grid-2,.rb-benefits,.rb-form-wrap,.rb-price-logic{grid-template-columns:1fr}
  .rb-grid-3,.rb-segment,.rb-pricing{grid-template-columns:1fr 1fr}
  .rb-grid-4,.rb-trust{grid-template-columns:1fr 1fr}
  .rb-process{grid-template-columns:1fr 1fr}
  .rb-hero{padding-top:48px}
  .rb-hero-card{max-width:520px}
  .rb-price-card.featured{transform:none}
}
@media(max-width:720px){
  .rb-wrap,.rb-toc-inner{padding:0 16px}
  .rb-section{padding:56px 16px}
  .rb-hero{padding:42px 16px 0}
  .rb-hero:after{display:none}
  
  .rb-actions,.rb-warning-in{align-items:stretch}
  .rb-btn,.rb-btn-outline{width:100%}
  .rb-sticky span{display:none}
  .rb-sticky{padding:10px 52px 10px 14px}
  .rb-compare-row{grid-template-columns:1fr}
  .rb-compare-cell{border-right:0;border-bottom:1px solid var(--rb-border)}
  .rb-compare-cell:last-child{border-bottom:0}
  .rb-compare-head{display:none}
  
  .rb-geo,.rb-calculator,.rb-form-text,.rb-form-box{border-radius:16px;padding:22px}
  .rb-price{font-size:30px}
}
@media(max-width:380px){
  .rb-hero h1{font-size:29px}
  .rb-section-head h2{font-size:25px}
  .rb-hero-card-body{padding:16px}
  .rb-price-line{flex-direction:column;gap:3px}
  .rb-price-line span:last-child{text-align:left}
}