:root{
  --navy-deep:#0F2340;
  --navy-mid:#1A3A5C;
  --navy-light:#234870;
  --swiss-gold:#C9A84C;
  --gold-light:#E2C97A;
  --gold-dim:rgba(201,168,76,.12);
  --warm-cream:#F5F1EA;
  --warm-cream-dark:#EDE8DF;
  --steel-muted:#8A96A3;
  --steel-dark:#586472;
  --text-body:#3D4F63;
  --text-light:#D4DCE5;
  --white:#fff;
  --border-gold:rgba(201,168,76,.18);
  --border-navy:rgba(15,35,64,.09);
  --accent-green:rgba(16,185,129,.14);
  --accent-green-txt:#34d399;
  --accent-red:rgba(239,68,68,.12);
  --accent-red-txt:#f87171;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:'DM Sans',sans-serif;
  background:var(--warm-cream);
  color:var(--navy-deep);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
a{color:inherit;text-decoration:none}
:focus-visible{outline:2px solid var(--swiss-gold);outline-offset:3px;border-radius:2px}
.rf-wrap{max-width:1200px;margin:0 auto;padding:0 48px}
.rf-section{padding:82px 0}
.rf-cream{background:var(--warm-cream)}
.rf-cream-dark{background:var(--warm-cream-dark)}
.rf-white{background:#fff}
.rf-dark{background:var(--navy-deep)}
.rf-kicker{
  display:inline-block;
  font-size:11px;
  font-weight:800;
  letter-spacing:.14em;
  text-transform:uppercase;
  color:var(--swiss-gold);
  margin-bottom:12px;
}
.rf-title{
  font-family:'Playfair Display',serif;
  font-size:clamp(27px,3vw,40px);
  line-height:1.15;
  color:var(--navy-deep);
  margin-bottom:16px;
}
.rf-title em{font-style:normal;color:var(--swiss-gold)}
.rf-lead{
  max-width:760px;
  color:var(--text-body);
  font-size:16px;
  line-height:1.8;
  margin-bottom:42px;
}
.rf-dark .rf-title{color:#fff}
.rf-dark .rf-lead{color:rgba(232,238,245,.86)}
.rf-btn,.rf-btn-outline,.rf-btn-dark{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:48px;
  padding:14px 28px;
  border-radius:5px;
  font-size:15px;
  font-weight:800;
  transition:all .22s ease;
  text-align:center;
}
.rf-btn{background:var(--swiss-gold);color:var(--navy-deep)}
.rf-btn:hover{background:var(--gold-light);transform:translateY(-2px);box-shadow:0 10px 30px rgba(201,168,76,.28)}
.rf-btn-outline{border:1px solid var(--border-gold);color:var(--swiss-gold);background:rgba(201,168,76,.08)}
.rf-btn-outline:hover{background:rgba(201,168,76,.16);border-color:var(--swiss-gold)}
.rf-btn-dark{background:var(--navy-deep);color:#fff}
.rf-grid-2{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.rf-grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}

.rf-card{
  background:#fff;
  border:1px solid var(--border-navy);
  border-radius:10px;
  padding:28px;
  box-shadow:0 14px 38px rgba(15,35,64,.07);
}
.rf-card h3{
  font-size:18px;
  line-height:1.3;
  color:var(--navy-deep);
  margin-bottom:10px;
}
.rf-card p{
  color:var(--text-body);
  font-size:14.5px;
  line-height:1.72;
}
.rf-card a{color:var(--swiss-gold);font-weight:800;text-decoration:underline;text-decoration-color:rgba(201,168,76,.35)}
.rf-card.gold-left{border-left:4px solid var(--swiss-gold)}
.rf-card.warn{border-left:4px solid #f59e0b;background:rgba(245,158,11,.06)}
.rf-card.danger{border-left:4px solid #ef4444;background:rgba(239,68,68,.055)}
.rf-card.good{border-left:4px solid #10b981;background:rgba(16,185,129,.055)}
.rf-list{list-style:none;display:flex;flex-direction:column;gap:10px}
.rf-list li{
  display:flex;
  gap:10px;
  color:var(--text-body);
  font-size:14.5px;
  line-height:1.55;
}
.rf-list li:before{
  content:"✓";
  width:20px;
  height:20px;
  min-width:20px;
  border-radius:50%;
  background:var(--gold-dim);
  color:var(--swiss-gold);
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:10px;
  font-weight:900;
  margin-top:1px;
}
.rf-dark-card{
  background:rgba(255,255,255,.055);
  border:1px solid rgba(201,168,76,.22);
  border-radius:10px;
  padding:26px;
}
.rf-dark-card h3{color:#fff;font-size:18px;margin-bottom:10px}
.rf-dark-card p{color:rgba(232,238,245,.84);font-size:14.5px;line-height:1.72}
.rf-dark-card a{color:var(--gold-light);font-weight:800}

/* HERO */
.rf-hero{
  background:var(--navy-deep);
  position:relative;
  overflow:hidden;
  padding:76px 48px 0;
}
.rf-hero:before{
  content:"";
  position:absolute;
  right:-90px;
  top:-90px;
  width:720px;
  height:720px;
  background:radial-gradient(circle,rgba(201,168,76,.08) 0%,transparent 65%);
}
.rf-hero:after{
  content:"%";
  position:absolute;
  right:30px;
  bottom:-20px;
  font-family:'Playfair Display',serif;
  font-size:240px;
  font-weight:700;
  color:rgba(201,168,76,.045);
  line-height:1;
}
.rf-hero-inner{
  max-width:1200px;
  margin:0 auto;
  display:grid;
  grid-template-columns:minmax(0,1fr) 430px;
  gap:64px;
  align-items:start;
  position:relative;
  z-index:1;
}
.rf-hero-badge{
  display:inline-flex;
  align-items:center;
  gap:8px;
  background:var(--gold-dim);
  border:1px solid rgba(201,168,76,.28);
  color:var(--swiss-gold);
  padding:7px 14px;
  border-radius:3px;
  font-size:11px;
  font-weight:700;
  letter-spacing:.14em;
  text-transform:uppercase;
  margin-bottom:24px;
}
.rf-hero h1{
  font-family:'Playfair Display',serif;
  font-size:clamp(30px,3.4vw,46px);
  font-weight:700;
  color:#fff;
  line-height:1.1;
  margin-bottom:22px;
}
.rf-hero h1 em{font-style:normal;color:var(--swiss-gold)}
.rf-hero-lead{
  font-size:17px;
  color:var(--text-light);
  line-height:1.76;
  max-width:680px;
  margin-bottom:20px;
}
.rf-hero-sub{
  font-size:15px;
  color:rgba(212,220,229,.82);
  line-height:1.75;
  max-width:680px;
  margin-bottom:34px;
}
.rf-hero-sub a{color:var(--swiss-gold);font-weight:800;text-decoration:underline;text-decoration-color:rgba(201,168,76,.35)}
.rf-actions{display:flex;align-items:center;gap:16px;flex-wrap:wrap;margin-bottom:28px}
.rf-hero-checks{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:10px 16px;
  max-width:700px;
}
.rf-hcheck{
  display:flex;
  gap:9px;
  color:rgba(232,238,245,.9);
  font-size:13px;
  line-height:1.45;
}
.rf-hcheck:before{
  content:"✓";
  width:19px;
  height:19px;
  min-width:19px;
  border-radius:50%;
  background:rgba(201,168,76,.14);
  border:1px solid rgba(201,168,76,.28);
  color:var(--swiss-gold);
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:10px;
  font-weight:900;
}
.rf-hero-card{
  background:var(--navy-mid);
  border:1px solid var(--border-gold);
  border-radius:10px;
  padding:28px;
  box-shadow:0 24px 60px rgba(0,0,0,.15);
}
.rf-hero-card-head{
  display:flex;
  justify-content:space-between;
  gap:14px;
  align-items:center;
  margin-bottom:20px;
}
.rf-hero-card-title{
  font-size:11px;
  font-weight:800;
  letter-spacing:.14em;
  text-transform:uppercase;
  color:var(--swiss-gold);
}
.rf-hero-card-badge{
  background:var(--accent-green);
  color:var(--accent-green-txt);
  font-size:11px;
  font-weight:800;
  padding:4px 10px;
  border-radius:12px;
  white-space:nowrap;
}
.rf-savings-table{width:100%;border-collapse:collapse;margin-bottom:18px}
.rf-savings-table th{
  color:var(--swiss-gold);
  font-size:11px;
  text-transform:uppercase;
  letter-spacing:.1em;
  padding-bottom:8px;
  text-align:left;
  border-bottom:1px solid rgba(201,168,76,.22);
}
.rf-savings-table th:last-child{text-align:right}
.rf-savings-table td{
  padding:9px 0;
  border-bottom:1px solid rgba(201,168,76,.07);
  color:var(--text-light);
  font-size:13px;
}
.rf-savings-table td:last-child{
  text-align:right;
  color:var(--accent-green-txt);
  font-weight:800;
}
.rf-total{
  display:flex;
  justify-content:space-between;
  gap:14px;
  align-items:center;
  background:rgba(52,211,153,.06);
  border:1px solid rgba(52,211,153,.15);
  border-radius:8px;
  padding:13px 14px;
  margin-bottom:14px;
}
.rf-total span:first-child{color:var(--text-light);font-size:12px}
.rf-total span:last-child{
  font-family:'Playfair Display',serif;
  color:var(--accent-green-txt);
  font-size:25px;
  font-weight:700;
}
.rf-note{color:var(--steel-muted);font-size:11.5px;line-height:1.55;font-style:italic;margin-bottom:18px}
.rf-hero-stats{
  display:grid;
  grid-template-columns:1fr 1fr 1fr;
  border-top:1px solid var(--border-gold);
  padding-top:18px;
  margin-top:18px;
}
.rf-stat{text-align:center;padding:0 8px;border-right:1px solid var(--border-gold)}
.rf-stat:last-child{border-right:0}
.rf-stat strong{
  display:block;
  font-family:'Playfair Display',serif;
  color:var(--swiss-gold);
  font-size:22px;
  line-height:1.1;
}
.rf-stat span{
  display:block;
  color:var(--steel-muted);
  font-size:10px;
  text-transform:uppercase;
  letter-spacing:.08em;
  margin-top:3px;
}
.rf-trust{
  max-width:1200px;
  margin:52px auto 0;
  display:grid;
  grid-template-columns:repeat(4,1fr);
  border-top:1px solid rgba(201,168,76,.10);
  position:relative;
  z-index:1;
}
.rf-trust-item{
  padding:16px 18px;
  color:var(--steel-muted);
  font-size:13px;
  border-right:1px solid rgba(201,168,76,.08);
}
.rf-trust-item:last-child{border-right:0}

/* TOC */
.rf-toc{
  position:sticky;
  top:0;
  z-index:50;
  background:#fff;
  border-bottom:1px solid rgba(15,35,64,.08);
  overflow-x:auto;
  white-space:nowrap;
}
.rf-toc::-webkit-scrollbar{display:none}
.rf-toc-inner{
  max-width:1200px;
  margin:0 auto;
  display:flex;
  padding:0 48px;
}
.rf-toc a{
  display:inline-block;
  padding:13px 14px;
  color:var(--steel-muted);
  font-size:12px;
  font-weight:800;
  border-bottom:2px solid transparent;
}
.rf-toc a:hover{
  background:var(--gold-dim);
  color:var(--navy-deep);
  border-color:var(--swiss-gold);
}

/* calculator */
.rf-calc{
  background:#fff;
  border:1px solid var(--border-navy);
  border-radius:12px;
  padding:28px;
  box-shadow:0 18px 48px rgba(15,35,64,.08);
}
.rf-calc-grid{
  display:grid;
  grid-template-columns:repeat(5,1fr);
  gap:14px;
}
.rf-field label{
  display:block;
  color:var(--navy-deep);
  font-size:12px;
  font-weight:800;
  margin-bottom:6px;
}
.rf-field input,.rf-field select{
  width:100%;
  min-height:44px;
  border:1px solid var(--border-navy);
  border-radius:7px;
  padding:10px 12px;
  font-family:'DM Sans',sans-serif;
  font-size:14px;
  color:var(--navy-deep);
  background:#fff;
}
.rf-calc-result{
  margin-top:18px;
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:14px;
}
.rf-res{
  background:var(--navy-deep);
  border-radius:10px;
  padding:18px;
}
.rf-res span{
  display:block;
  color:var(--steel-muted);
  font-size:11px;
  text-transform:uppercase;
  letter-spacing:.09em;
  margin-bottom:5px;
}
.rf-res strong{
  color:var(--swiss-gold);
  font-family:'Playfair Display',serif;
  font-size:24px;
}

/* FAQ */
.rf-faq{display:flex;flex-direction:column;gap:2px;background:var(--border-navy);border-radius:10px;overflow:hidden}
.rf-faq details{background:#fff}
.rf-faq summary{
  list-style:none;
  cursor:pointer;
  padding:20px 52px 20px 26px;
  font-weight:800;
  color:var(--navy-deep);
  position:relative;
}
.rf-faq summary::-webkit-details-marker{display:none}
.rf-faq summary:after{
  content:"+";
  position:absolute;
  right:24px;
  top:50%;
  transform:translateY(-50%);
  color:var(--swiss-gold);
  font-size:24px;
}
.rf-faq details[open] summary:after{content:"−"}
.rf-faq-content{
  padding:0 26px 22px;
  color:var(--text-body);
  font-size:14.5px;
  line-height:1.75;
}

/* services */
.rf-services-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:2px;
  background:var(--border-gold);
  border-radius:10px;
  overflow:hidden;
}
.rf-svc{
  background:#fff;
  padding:28px;
  transition:background .2s;
}
.rf-svc:hover{background:var(--warm-cream)}
.rf-svc h3{
  font-family:'Playfair Display',serif;
  font-size:18px;
  color:var(--navy-deep);
  margin-bottom:9px;
}
.rf-svc p{
  color:var(--text-body);
  font-size:14px;
  line-height:1.65;
  margin-bottom:12px;
}
.rf-svc span{color:var(--swiss-gold);font-weight:800;font-size:13px}

/* CTA */
.rf-cta{
  background:var(--warm-cream-dark);
  padding:82px 48px;
}
.rf-cta-box{
  max-width:1200px;
  margin:0 auto;
  background:var(--navy-deep);
  border-radius:14px;
  padding:56px;
  display:grid;
  grid-template-columns:1fr 340px;
  gap:48px;
  align-items:center;
  position:relative;
  overflow:hidden;
}
.rf-cta-box:before{
  content:"";
  position:absolute;
  top:0;
  right:0;
  width:420px;
  height:100%;
  background:linear-gradient(135deg,transparent 30%,rgba(201,168,76,.06));
}
.rf-cta-box:after{
  content:"";
  position:absolute;
  bottom:0;
  left:0;
  right:0;
  height:2px;
  background:linear-gradient(90deg,var(--swiss-gold),transparent 70%);
}
.rf-cta-box>*{position:relative;z-index:1}
.rf-cta h2{
  font-family:'Playfair Display',serif;
  color:#fff;
  font-size:32px;
  line-height:1.18;
  margin-bottom:14px;
}
.rf-cta h2 em{font-style:normal;color:var(--swiss-gold)}
.rf-cta p{
  color:var(--text-light);
  font-size:15px;
  line-height:1.75;
}
.rf-cta-actions{display:flex;flex-direction:column;gap:12px}
.rf-phone{
  display:flex;
  align-items:center;
  justify-content:center;
  background:rgba(201,168,76,.12);
  border:1px solid var(--border-gold);
  color:var(--swiss-gold);
  padding:13px 22px;
  border-radius:5px;
  font-weight:800;
}

/* Sticky */
.rf-sticky{
  position:fixed;
  left:0;
  right:0;
  bottom:0;
  z-index:700;
  background:var(--navy-deep);
  border-top:2px solid var(--swiss-gold);
  padding:12px 20px;
  display:flex;
  align-items:center;
  justify-content:center;
  gap:14px;
  box-shadow:0 -4px 22px rgba(0,0,0,.28);
  transform:translateY(100%);
  transition:transform .3s ease;
}
.rf-sticky.on{transform:translateY(0)}
.rf-sticky span{color:#fff;font-size:13px;font-weight:700}
.rf-sticky a{
  background:var(--swiss-gold);
  color:var(--navy-deep);
  padding:9px 18px;
  border-radius:5px;
  font-weight:800;
  font-size:13px;
}
.rf-sticky button{
  position:absolute;
  right:14px;
  border:0;
  background:transparent;
  color:var(--steel-muted);
  font-size:22px;
  cursor:pointer;
}

/* responsive */
@media(max-width:1080px){
  .rf-hero-inner,.rf-cta-box{grid-template-columns:1fr}
  .rf-hero-card{max-width:560px}
  .rf-grid-4,.rf-calc-grid{grid-template-columns:1fr 1fr}
  .rf-services-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:900px){
  
  .rf-trust{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  .rf-wrap{padding:0 22px}
  .rf-section{padding:64px 0}
  .rf-hero{padding:58px 22px 0}
  .rf-hero-inner{gap:36px}
  
  
  
  .rf-trust{grid-template-columns:1fr}
  .rf-trust-item{border-right:0;border-bottom:1px solid rgba(201,168,76,.08)}
  .rf-toc-inner{padding:0 22px}
  .rf-cta{padding:64px 22px}
  .rf-cta-box{padding:36px 24px}
  .rf-sticky{padding:10px 48px 10px 12px}
  .rf-sticky span{display:none}
  .rf-sticky a{width:100%;text-align:center}
}