:root{
  --rt-navy:#0F2340;
  --rt-navy-mid:#1A3A5C;
  --rt-navy-light:#234870;
  --rt-gold:#C9A84C;
  --rt-gold-light:#E2C97A;
  --rt-gold-soft:rgba(201,168,76,.12);
  --rt-gold-border:rgba(201,168,76,.26);
  --rt-cream:#F5F1EA;
  --rt-cream-dark:#EDE8DF;
  --rt-text:#3D4F63;
  --rt-muted:#7B8794;
  --rt-border:rgba(15,35,64,.09);
  --rt-radius:18px;
  --rt-shadow:0 18px 48px rgba(15,35,64,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;overflow-x:hidden}
.rt-page{font-family:'DM Sans',sans-serif;background:var(--rt-cream);color:var(--rt-navy);line-height:1.65;overflow:hidden}
.rt-page a{text-decoration:none;color:inherit}

.rt-section{padding:76px 24px}
.rt-white{background:#fff}
.rt-cream{background:var(--rt-cream)}
.rt-cream-dark{background:var(--rt-cream-dark)}
.rt-navy{background:var(--rt-navy);color:#fff}
.rt-navy-mid{background:var(--rt-navy-mid);color:#fff}
.rt-kicker{display:inline-block;color:var(--rt-gold);font-size:11px;font-weight:900;letter-spacing:.13em;text-transform:uppercase;margin-bottom:12px}
.rt-section-head{max-width:880px;margin:0 0 38px}
.rt-section-head h2{font-family:'Playfair Display',serif;font-size:clamp(26px,3vw,32px);line-height:1.14;margin:0 0 14px;color:var(--rt-navy)}
.rt-navy h2,.rt-navy-mid h2{color:#fff!important}
.rt-section-head p{margin:0;color:var(--rt-text);font-size:15.8px;line-height:1.78}
.rt-navy .rt-section-head p,.rt-navy-mid .rt-section-head p{color:rgba(244,248,252,.88)!important}
.rt-btn,.rt-btn-outline,.rt-btn-ghost{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:14px 24px;border-radius:8px;font-weight:900;font-size:15px;transition:.22s ease;text-align:center}
.rt-btn{background:var(--rt-gold);color:var(--rt-navy)!important}
.rt-btn:hover{background:var(--rt-gold-light);transform:translateY(-2px)}
.rt-btn-outline{color:var(--rt-gold)!important;border:1px solid var(--rt-gold-border);background:rgba(201,168,76,.08)}
.rt-btn-outline:hover{border-color:var(--rt-gold);background:rgba(201,168,76,.16)}
.rt-btn-ghost{color:rgba(244,248,252,.88)!important;border-bottom:1px solid rgba(201,168,76,.3);border-radius:0;padding-left:0;padding-right:0}

/* Sticky */
.rt-sticky{position:fixed;left:0;right:0;bottom:0;z-index:900;background:var(--rt-navy);border-top:2px solid var(--rt-gold);padding:12px 20px;display:flex;justify-content:center;align-items:center;gap:14px;box-shadow:0 -4px 24px rgba(0,0,0,.3);transform:translateY(100%);transition:.3s ease}
.rt-sticky.on{transform:translateY(0)}
.rt-sticky span{color:rgba(244,248,252,.9);font-size:13px}
.rt-sticky span strong{color:#fff}
.rt-sticky-x{position:absolute;right:14px;top:50%;transform:translateY(-50%);background:transparent;border:0;color:#B8C5D1;font-size:22px;cursor:pointer}

/* Hero */
.rt-hero{background:var(--rt-navy);color:#fff;padding:72px 24px 0;position:relative;overflow:hidden}
.rt-hero:before{content:"";position:absolute;right:-180px;top:-180px;width:720px;height:720px;background:radial-gradient(circle,rgba(201,168,76,.14),transparent 65%);pointer-events:none}
.rt-hero-grid{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1fr) 410px;gap:54px;align-items:center;position:relative;z-index:2}
.rt-badge{display:inline-flex;align-items:center;gap:8px;background:var(--rt-gold-soft);border:1px solid var(--rt-gold-border);color:var(--rt-gold-light);padding:7px 14px;border-radius:999px;font-size:11px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;margin-bottom:18px}
.rt-dot{width:7px;height:7px;border-radius:50%;background:var(--rt-gold)}
.rt-hero h1{font-family:'Playfair Display',serif;font-size:clamp(34px,4.6vw,48px);line-height:1.05;margin:0 0 20px;color:#fff;max-width:860px}
.rt-hero h1 em{display:block;font-style:italic;color:var(--rt-gold);font-size:.72em;margin-top:8px}
.rt-hero-intro{font-size:17px;line-height:1.7;color:rgba(244,248,252,.96);font-weight:700;max-width:760px;border-left:3px solid var(--rt-gold);padding-left:18px;margin:0 0 18px}
.rt-hero-lead{font-size:15.8px;color:rgba(232,238,245,.86);line-height:1.8;max-width:760px;margin:0 0 28px}
.rt-hero-lead a{color:var(--rt-gold);font-weight:900;text-decoration:underline;text-decoration-color:rgba(201,168,76,.45)}
.rt-actions{display:flex;gap:14px;flex-wrap:wrap;margin:0 0 28px}
.rt-checks{display:grid;grid-template-columns:1fr 1fr;gap:10px 16px;max-width:760px}
.rt-check{display:flex;gap:10px;align-items:flex-start;color:rgba(244,248,252,.92);font-size:13.6px;line-height:1.45}
.rt-check:before{content:"✓";width:20px;height:20px;min-width:20px;border-radius:50%;background:rgba(201,168,76,.16);border:1px solid rgba(201,168,76,.36);color:var(--rt-gold);display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:900;margin-top:1px}
.rt-hero-card{background:var(--rt-navy-mid);border:1px solid var(--rt-gold-border);border-radius:var(--rt-radius);overflow:hidden;box-shadow:0 26px 70px rgba(0,0,0,.22)}
.rt-card-head{background:linear-gradient(135deg,var(--rt-gold),var(--rt-gold-light));color:var(--rt-navy);font-weight:900;padding:17px 22px;font-size:15px}
.rt-card-body{padding:18px 22px}
.rt-row{display:flex;justify-content:space-between;gap:18px;padding:11px 0;border-bottom:1px solid rgba(201,168,76,.10)}
.rt-row:last-child{border-bottom:0}
.rt-row span:first-child{color:#D4DCE5;font-size:13px}
.rt-row span:last-child{color:var(--rt-gold);font-size:12.5px;font-weight:900;text-align:right}
.rt-card-cta{display:block;background:var(--rt-gold);color:var(--rt-navy)!important;text-align:center;padding:15px 20px;font-weight:900}
.rt-card-note{padding:12px 18px 16px;color:#B8C5D1;font-size:11.5px;text-align:center}
.rt-trust{max-width:1160px;margin:44px auto 0;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(201,168,76,.12);position:relative;z-index:2}
.rt-trust div{padding:15px;color:#B8C5D1;font-size:12.5px;border-right:1px solid rgba(201,168,76,.08)}
.rt-trust div:last-child{border-right:0}

/* Warning + nav */
.rt-warning{background:var(--rt-navy);border-top:3px solid var(--rt-gold);border-bottom:1px solid rgba(201,168,76,.15)}
.rt-warning-in{max-width:1160px;margin:0 auto;padding:16px 24px;display:flex;align-items:center;gap:16px}
.rt-warning-icon{width:32px;height:32px;min-width:32px;border-radius:50%;background:rgba(201,168,76,.15);color:var(--rt-gold-light);display:flex;align-items:center;justify-content:center;font-weight:900}
.rt-warning-text{flex:1;color:#D4DCE5;font-size:13.5px;line-height:1.6}
.rt-warning-text strong{color:#fff}
.rt-toc{background:#fff;border-bottom:1px solid var(--rt-border);overflow-x:auto}
.rt-toc-in{max-width:1160px;margin:0 auto;padding:0 24px;display:flex;white-space:nowrap}
.rt-toc a{display:inline-block;padding:12px 14px;color:var(--rt-muted)!important;font-size:12px;font-weight:900;border-bottom:2px solid transparent}
.rt-toc a:hover,.rt-toc a.rt-toc-cta{color:var(--rt-navy)!important;background:var(--rt-gold-soft);border-color:var(--rt-gold)}

/* Layout */



.rt-card,.rt-info-card,.rt-faq-item,.rt-step-card,.rt-risk-card,.rt-doc-card{background:#fff;border:1px solid var(--rt-border);border-radius:var(--rt-radius);padding:24px;box-shadow:var(--rt-shadow)}
.rt-card h3,.rt-info-card h3,.rt-faq-item h3,.rt-step-card h3,.rt-risk-card h3,.rt-doc-card h3{margin:0 0 9px;color:var(--rt-navy);font-size:16px;line-height:1.35}
.rt-card p,.rt-info-card p,.rt-faq-item p,.rt-step-card p,.rt-risk-card p,.rt-doc-card p{margin:0;color:var(--rt-text);font-size:13.8px;line-height:1.7}
.rt-step-card span,.rt-risk-card span{display:inline-block;margin-bottom:12px;color:var(--rt-gold);font-family:'Playfair Display',serif;font-size:26px;font-weight:700;line-height:1}
.rt-doc-icon{font-size:24px;margin-bottom:10px}
.rt-doc-card small{font-size:11px;font-weight:900;text-transform:uppercase;letter-spacing:.08em;color:var(--rt-gold);background:var(--rt-gold-soft);border:1px solid var(--rt-gold-border);border-radius:18px;padding:3px 9px;margin-top:14px;display:inline-block}
.rt-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:10px}
.rt-list li{display:flex;gap:10px;color:var(--rt-text);font-size:13.8px;line-height:1.55}
.rt-list li:before{content:"✓";width:20px;height:20px;min-width:20px;border-radius:50%;background:var(--rt-gold-soft);color:var(--rt-gold);display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;margin-top:1px}
.rt-navy .rt-list li,.rt-navy-mid .rt-list li,.rt-form-section .rt-list li{color:rgba(244,248,252,.92)!important}
.rt-navy .rt-list li:before,.rt-navy-mid .rt-list li:before,.rt-form-section .rt-list li:before{background:rgba(201,168,76,.18)!important;border:1px solid rgba(201,168,76,.38)!important}
.rt-alert{margin-top:26px;border-left:4px solid var(--rt-gold);background:rgba(201,168,76,.09);border-radius:0 var(--rt-radius) var(--rt-radius) 0;padding:20px 24px}
.rt-alert strong{display:block;color:var(--rt-navy);margin-bottom:6px}
.rt-alert p{margin:0;color:var(--rt-text);font-size:14px}

/* Dark cards */
.rt-dark-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:2px;background:var(--rt-gold-border);border-radius:var(--rt-radius);overflow:hidden}
.rt-dark-grid article{background:var(--rt-navy-mid);padding:26px 24px}
.rt-dark-grid h3{color:#fff;font-size:16px;margin:0 0 8px}
.rt-dark-grid p{color:rgba(244,248,252,.84);font-size:13.5px;line-height:1.65;margin:0}

/* Price */
.rt-price-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2px;background:var(--rt-gold-border);border-radius:var(--rt-radius);overflow:hidden}
.rt-price-card{background:var(--rt-navy-mid);padding:30px 24px;position:relative;display:flex;flex-direction:column}
.rt-price-card.featured{background:var(--rt-navy-light)}
.rt-price-badge{position:absolute;top:-1px;left:50%;transform:translateX(-50%);background:var(--rt-gold);color:var(--rt-navy);padding:4px 13px;border-radius:0 0 6px 6px;font-size:10px;font-weight:900;text-transform:uppercase;letter-spacing:.08em;white-space:nowrap}
.rt-price-card h3{color:#fff;font-family:'Playfair Display',serif;font-size:21px;margin:10px 0 5px}
.rt-price-card strong{color:var(--rt-gold);font-family:'Playfair Display',serif;font-size:26px;line-height:1.1;margin-bottom:12px;display:block}
.rt-price-card p{color:rgba(244,248,252,.72);font-size:12.5px;line-height:1.55;margin:0 0 14px}
.rt-price-card ul{list-style:none;padding:0;margin:0 0 22px;display:flex;flex-direction:column;gap:8px;flex:1}
.rt-price-card li{color:rgba(244,248,252,.88);font-size:12.8px;line-height:1.45;display:flex;gap:8px}
.rt-price-card li:before{content:"✓";color:var(--rt-gold);font-weight:900;flex-shrink:0}
.rt-note{text-align:center;max-width:820px;margin:20px auto 0;color:#B8C5D1;font-size:13px;line-height:1.65}
.rt-note strong{color:var(--rt-gold)}

/* Calculator */
.rt-calc-box{display:grid;grid-template-columns:1.15fr .85fr;gap:28px;background:#fff;border:1px solid var(--rt-border);border-radius:18px;padding:28px;box-shadow:var(--rt-shadow)}
.rt-calc-fields{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.rt-calc-fields label{font-size:13px;font-weight:800;color:var(--rt-navy);display:flex;flex-direction:column;gap:8px}
.rt-calc-fields select{width:100%;min-height:52px;padding:14px;border:1px solid rgba(15,35,64,.14);border-radius:10px;background:#fff;color:var(--rt-navy);font-size:16px;line-height:1.35;font-weight:700;font-family:'DM Sans',sans-serif}
.rt-calc-result{background:var(--rt-navy);border-radius:16px;padding:28px;color:#fff;display:flex;flex-direction:column;justify-content:center;border:1px solid rgba(201,168,76,.22)}
.rt-calc-small{font-size:12px;text-transform:uppercase;letter-spacing:.12em;color:var(--rt-gold);margin-bottom:10px;font-weight:900}
.rt-calc-price{font-family:'Playfair Display',serif;font-size:34px;font-weight:700;color:var(--rt-gold);margin-bottom:12px;line-height:1.1}
.rt-calc-result p{font-size:14px;color:rgba(244,248,252,.86);line-height:1.7;margin:0 0 20px}
.rt-calc-disclaimer{font-size:12.5px;color:var(--rt-muted);line-height:1.6;margin-top:14px}

/* Form */
.rt-form-section{background:var(--rt-navy-mid);color:#fff;padding:76px 24px}
.rt-form-grid{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:1fr 460px;gap:52px;align-items:start}
.rt-form-text h2{font-family:'Playfair Display',serif;color:#fff;font-size:clamp(27px,3vw,42px);line-height:1.14;margin:0 0 16px}
.rt-form-text h2 em{color:var(--rt-gold);font-style:normal}
.rt-form-text p{color:rgba(244,248,252,.9)!important;font-size:15.5px;line-height:1.75;margin:0 0 22px}
.rt-form-contact{margin-top:20px;display:flex;flex-direction:column;gap:8px}
.rt-form-contact a{color:#F2CC63;font-weight:900}
.rt-form-box{background:var(--rt-navy);border:1px solid var(--rt-gold-border);border-radius:var(--rt-radius);overflow:hidden;box-shadow:0 24px 60px rgba(0,0,0,.18)}
.rt-form-head{background:linear-gradient(135deg,var(--rt-gold),var(--rt-gold-light));color:var(--rt-navy);padding:18px 22px}
.rt-form-head h3{margin:0 0 3px;font-size:17px}
.rt-form-head p{margin:0;color:rgba(15,35,64,.72)!important;font-size:12.5px}
.rt-form-body{padding:22px;color:#fff}
.rt-form-section label,.rt-form-section .wpforms-field-label{color:rgba(244,248,252,.94)!important}
.rt-form-section input,.rt-form-section textarea,.rt-form-section select{color:#fff!important;background:rgba(255,255,255,.06)!important;border:1px solid rgba(255,255,255,.38)!important;border-radius:7px!important;font-size:16px!important;-webkit-text-fill-color:#fff!important}
.rt-form-section input::placeholder,.rt-form-section textarea::placeholder{color:rgba(244,248,252,.45)!important}
.rt-form-section button,.rt-form-section input[type="submit"],.rt-form-section .wpforms-submit{background:var(--rt-gold)!important;color:var(--rt-navy)!important;border:0!important;border-radius:8px!important;padding:13px 24px!important;font-weight:900!important;cursor:pointer!important}

/* Related */
.rt-related{background:var(--rt-cream);border-top:1px solid var(--rt-border);padding:22px 24px}
.rt-related-in{max-width:1160px;margin:0 auto;display:flex;gap:10px;flex-wrap:wrap;align-items:center}
.rt-related-label{color:var(--rt-muted);font-size:11px;font-weight:900;letter-spacing:.12em;text-transform:uppercase}
.rt-pill{background:#fff;color:var(--rt-navy)!important;border:1px solid var(--rt-border);border-radius:999px;padding:7px 14px;font-size:13px}
.rt-pill:hover{border-color:var(--rt-gold);color:var(--rt-gold)!important}

/* Responsive */
@media(max-width:1024px){
  
  .rt-hero-card{max-width:680px}
  
  
}
@media(max-width:768px){
  .rt-hero{padding:48px 18px 0}
  .rt-hero h1{font-size:34px}
  .rt-hero h1 em{font-size:.78em}
  
  
  
  .rt-section,.rt-form-section{padding:56px 18px}
  
  .rt-row{flex-direction:column;gap:4px}
  .rt-row span:last-child{text-align:left}
  .rt-trust div{border-right:0;border-bottom:1px solid rgba(201,168,76,.08)}
  .rt-warning-in{flex-direction:column;align-items:flex-start;gap:10px}
  
  .rt-sticky span{display:none}
  .rt-sticky .rt-btn{width:100%;max-width:340px}
}
@media(max-width:520px){
  .rt-hero h1{font-size:30px}
  .rt-section-head h2,.rt-form-text h2{font-size:25px}
  .rt-card,.rt-info-card,.rt-faq-item,.rt-step-card,.rt-risk-card,.rt-doc-card,.rt-price-card{padding:20px 16px}
  .rt-calc-box{padding:20px 16px}
  .rt-pill{width:100%}
}