:root{
  --ra-navy:#0F2340;
  --ra-navy-mid:#1A3A5C;
  --ra-navy-light:#234870;
  --ra-gold:#C9A84C;
  --ra-gold-light:#E2C97A;
  --ra-gold-soft:rgba(201,168,76,.10);
  --ra-gold-border:rgba(201,168,76,.22);
  --ra-cream:#F5F1EA;
  --ra-cream-dark:#EDE8DF;
  --ra-text:#3D4F63;
  --ra-muted:#7B8794;
  --ra-border:rgba(15,35,64,.10);
  --ra-radius:10px;
  --ra-shadow:0 8px 24px rgba(15,35,64,.065);
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{overflow-x:hidden}

.ra-page{
  font-family:'DM Sans',sans-serif;
  background:var(--ra-cream);
  color:var(--ra-navy);
  line-height:1.62;
  overflow:hidden;
  -webkit-font-smoothing:antialiased;
}
.ra-page a{text-decoration:none;color:inherit}



.ra-section{
  padding:58px 24px;
}

.ra-white{background:#fff}
.ra-cream{background:var(--ra-cream)}
.ra-cream-dark{background:var(--ra-cream-dark)}
.ra-navy{background:var(--ra-navy);color:#fff}
.ra-navy-mid{background:var(--ra-navy-mid);color:#fff}

.ra-kicker{
  display:inline-block;
  color:var(--ra-gold);
  font-size:10.5px;
  font-weight:800;
  letter-spacing:.12em;
  text-transform:uppercase;
  margin-bottom:10px;
}

.ra-section-head{
  max-width:820px;
  margin:0 0 30px;
}


.ra-section h2,
.ra-form-section h2{
  font-family:'Playfair Display',serif;
  font-size:clamp(23px,2.25vw,32px);
  line-height:1.18;
  margin:0 0 12px;
  color:var(--ra-navy);
  font-weight:700;
}
.ra-navy h2,
.ra-navy-mid h2,
.ra-form-section h2{
  color:#fff!important;
}
.ra-section-head p{
  margin:0;
  color:var(--ra-text);
  font-size:15px;
  line-height:1.72;
}
.ra-navy .ra-section-head p,
.ra-navy-mid .ra-section-head p{
  color:rgba(244,248,252,.84)!important;
}

.ra-btn,
.ra-btn-outline,
.ra-btn-ghost{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:43px;
  padding:11px 20px;
  border-radius:5px;
  font-weight:800;
  font-size:14px;
  transition:.18s ease;
  text-align:center;
  line-height:1.35;
}
.ra-btn{
  background:var(--ra-gold);
  color:var(--ra-navy)!important;
}
.ra-btn:hover{
  background:var(--ra-gold-light);
  transform:translateY(-1px);
  box-shadow:0 8px 20px rgba(201,168,76,.22);
}
.ra-btn-outline{
  color:var(--ra-gold)!important;
  border:1px solid var(--ra-gold-border);
  background:rgba(201,168,76,.06);
}
.ra-btn-outline:hover{
  border-color:var(--ra-gold);
  background:rgba(201,168,76,.12);
}
.ra-btn-ghost{
  color:rgba(244,248,252,.88)!important;
  border-bottom:1px solid rgba(201,168,76,.28);
  border-radius:0;
  padding-left:0;
  padding-right:0;
}

/* HERO — version plus calme */
.ra-hero{
  background:var(--ra-navy);
  color:#fff;
  padding:48px 24px 0;
  position:relative;
  overflow:hidden;
}
.ra-hero:before{
  content:"";
  position:absolute;
  right:-160px;
  top:-170px;
  width:520px;
  height:520px;
  background:radial-gradient(circle,rgba(201,168,76,.08),transparent 66%);
  pointer-events:none;
}
.ra-hero-grid{
  max-width:1160px;
  margin:0 auto;
  display:grid;
  grid-template-columns:minmax(0,1fr) 380px;
  gap:42px;
  align-items:start;
  position:relative;
  z-index:2;
}
.ra-badge{
  display:inline-flex;
  align-items:center;
  gap:8px;
  background:var(--ra-gold-soft);
  border:1px solid var(--ra-gold-border);
  color:var(--ra-gold-light);
  padding:6px 13px;
  border-radius:4px;
  font-size:10.5px;
  font-weight:800;
  letter-spacing:.08em;
  text-transform:uppercase;
  margin-bottom:16px;
}
.ra-dot{
  width:7px;
  height:7px;
  border-radius:50%;
  background:var(--ra-gold);
}

.ra-hero h1{
  font-family:'Playfair Display',serif;
  font-size:clamp(28px,3.05vw,42px);
  line-height:1.12;
  margin:0 0 16px;
  color:#fff;
  max-width:820px;
  font-weight:700;
}
.ra-hero h1 em{
  display:block;
  font-style:normal;
  color:var(--ra-gold);
  font-size:.82em;
  line-height:1.2;
  margin-top:6px;
}
.ra-hero-intro{
  font-size:15.8px;
  line-height:1.62;
  color:rgba(244,248,252,.95);
  font-weight:700;
  max-width:720px;
  border-left:3px solid var(--ra-gold);
  padding-left:15px;
  margin:0 0 14px;
}
.ra-hero-lead{
  font-size:14.8px;
  color:rgba(232,238,245,.84);
  line-height:1.72;
  max-width:720px;
  margin:0 0 22px;
}
.ra-actions{
  display:flex;
  gap:12px;
  flex-wrap:wrap;
  margin:0 0 22px;
}
.ra-checks{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:9px 14px;
  max-width:720px;
  padding-bottom:12px;
}
.ra-check{
  display:flex;
  gap:9px;
  align-items:flex-start;
  color:rgba(244,248,252,.9);
  font-size:13px;
  line-height:1.42;
}
.ra-check:before{
  content:"✓";
  width:18px;
  height:18px;
  min-width:18px;
  border-radius:50%;
  background:rgba(201,168,76,.14);
  border:1px solid rgba(201,168,76,.34);
  color:var(--ra-gold);
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:9.5px;
  font-weight:900;
  margin-top:1px;
}

/* HERO CARD */
.ra-hero-card{
  background:var(--ra-navy-mid);
  border:1px solid var(--ra-gold-border);
  border-radius:var(--ra-radius);
  overflow:hidden;
  box-shadow:0 14px 34px rgba(0,0,0,.14);
}
.ra-card-head{
  background:linear-gradient(135deg,var(--ra-gold),var(--ra-gold-light));
  color:var(--ra-navy);
  font-weight:900;
  padding:14px 18px;
  font-size:14px;
}
.ra-card-body{
  padding:14px 18px;
}
.ra-row{
  display:flex;
  justify-content:space-between;
  gap:16px;
  padding:9px 0;
  border-bottom:1px solid rgba(201,168,76,.10);
}
.ra-row:last-child{border-bottom:0}
.ra-row span:first-child{
  color:#D4DCE5;
  font-size:12.5px;
}
.ra-row span:last-child{
  color:var(--ra-gold);
  font-size:12px;
  font-weight:800;
  text-align:right;
}
.ra-card-cta{
  display:block;
  background:var(--ra-gold);
  color:var(--ra-navy)!important;
  text-align:center;
  padding:13px 18px;
  font-weight:900;
  font-size:14px;
}
.ra-card-note{
  padding:10px 16px 14px;
  color:#B8C5D1;
  font-size:11.5px;
  text-align:center;
}
.ra-trust{
  max-width:1160px;
  margin:28px auto 0;
  display:grid;
  grid-template-columns:repeat(4,1fr);
  border-top:1px solid rgba(201,168,76,.12);
  position:relative;
  z-index:2;
}
.ra-trust div{
  padding:12px 14px;
  color:#B8C5D1;
  font-size:12px;
  border-right:1px solid rgba(201,168,76,.08);
}
.ra-trust div:last-child{border-right:0}

/* NAV */
.ra-toc{
  background:#fff;
  border-bottom:1px solid var(--ra-border);
  overflow-x:auto;
}
.ra-toc-in{
  max-width:1160px;
  margin:0 auto;
  padding:0 24px;
  display:flex;
  white-space:nowrap;
}
.ra-toc a{
  display:inline-block;
  padding:11px 13px;
  color:var(--ra-muted)!important;
  font-size:12px;
  font-weight:800;
  border-bottom:2px solid transparent;
}
.ra-toc a:hover,
.ra-toc a.ra-toc-cta{
  color:var(--ra-navy)!important;
  background:var(--ra-gold-soft);
  border-color:var(--ra-gold);
}

/* CARDS / GRIDS */
.ra-grid-2{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:16px;
}


.ra-card,
.ra-info-card,
.ra-faq-item,
.ra-step-card,
.ra-risk-card{
  background:#fff;
  border:1px solid var(--ra-border);
  border-radius:var(--ra-radius);
  padding:20px;
  box-shadow:var(--ra-shadow);
}
.ra-card h3,
.ra-info-card h3,
.ra-faq-item h3,
.ra-step-card h3,
.ra-risk-card h3{
  margin:0 0 8px;
  color:var(--ra-navy);
  font-size:15px;
  line-height:1.34;
  font-weight:800;
}
.ra-card p,
.ra-info-card p,
.ra-faq-item p,
.ra-step-card p,
.ra-risk-card p{
  margin:0;
  color:var(--ra-text);
  font-size:13.5px;
  line-height:1.64;
}

.ra-list{
  list-style:none;
  padding:0;
  margin:0;
  display:flex;
  flex-direction:column;
  gap:9px;
}
.ra-list li{
  display:flex;
  gap:9px;
  color:var(--ra-text);
  font-size:13.6px;
  line-height:1.5;
}
.ra-list li:before{
  content:"✓";
  width:18px;
  height:18px;
  min-width:18px;
  border-radius:50%;
  background:var(--ra-gold-soft);
  color:var(--ra-gold);
  border:1px solid var(--ra-gold-border);
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:9.5px;
  font-weight:900;
  margin-top:1px;
}
.ra-navy .ra-list li,
.ra-navy-mid .ra-list li,
.ra-form-section .ra-list li{
  color:rgba(244,248,252,.9)!important;
}
.ra-navy .ra-list li:before,
.ra-navy-mid .ra-list li:before,
.ra-form-section .ra-list li:before{
  background:rgba(201,168,76,.16)!important;
  border:1px solid rgba(201,168,76,.34)!important;
}

.ra-alert{
  margin-top:22px;
  border-left:4px solid var(--ra-gold);
  background:rgba(201,168,76,.08);
  border-radius:0 var(--ra-radius) var(--ra-radius) 0;
  padding:17px 20px;
}
.ra-alert strong{
  display:block;
  color:var(--ra-navy);
  margin-bottom:5px;
  font-size:13.5px;
}
.ra-alert p{
  margin:0;
  color:var(--ra-text);
  font-size:13.5px;
  line-height:1.62;
}

/* DARK GRID */
.ra-dark-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:1px;
  background:var(--ra-gold-border);
  border-radius:var(--ra-radius);
  overflow:hidden;
}
.ra-dark-grid article{
  background:var(--ra-navy-mid);
  padding:22px 20px;
}
.ra-dark-grid h3{
  color:#fff;
  font-size:15px;
  margin:0 0 8px;
}
.ra-dark-grid p{
  color:rgba(244,248,252,.82);
  font-size:13px;
  line-height:1.58;
  margin:0;
}

/* TABLE */
.ra-table-wrap{
  overflow-x:auto;
  border-radius:var(--ra-radius);
  border:1px solid rgba(201,168,76,.14);
}
.ra-table{
  width:100%;
  border-collapse:collapse;
  background:var(--ra-navy-mid);
  border-radius:var(--ra-radius);
  overflow:hidden;
  min-width:640px;
}
.ra-table th,
.ra-table td{
  padding:13px 14px;
  border-bottom:1px solid rgba(201,168,76,.10);
  text-align:left;
  font-size:13px;
}
.ra-table th{
  color:var(--ra-gold);
  text-transform:uppercase;
  letter-spacing:.08em;
  font-size:10.5px;
}
.ra-table td{
  color:rgba(244,248,252,.88);
}
.ra-table strong{color:#fff}

/* MINI CALCULATOR */
.ra-mini-calc{
  display:grid;
  grid-template-columns:1.05fr .95fr;
  gap:22px;
  background:#fff;
  border:1px solid var(--ra-border);
  border-radius:var(--ra-radius);
  padding:24px;
  box-shadow:var(--ra-shadow);
}
.ra-mini-fields{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:14px;
}
.ra-mini-fields label{
  font-size:12.5px;
  font-weight:800;
  color:var(--ra-navy);
  display:flex;
  flex-direction:column;
  gap:7px;
}
.ra-mini-fields input{
  width:100%;
  min-height:46px;
  padding:12px;
  border:1px solid rgba(15,35,64,.14);
  border-radius:7px;
  background:#fff;
  color:var(--ra-navy);
  font-size:16px;
  line-height:1.35;
  font-weight:700;
  font-family:'DM Sans',sans-serif;
}
.ra-mini-result{
  background:var(--ra-navy);
  border-radius:var(--ra-radius);
  padding:24px;
  color:#fff;
  display:flex;
  flex-direction:column;
  justify-content:center;
  border:1px solid rgba(201,168,76,.22);
}
.ra-mini-small{
  font-size:11px;
  text-transform:uppercase;
  letter-spacing:.11em;
  color:var(--ra-gold);
  margin-bottom:8px;
  font-weight:900;
}
.ra-mini-price{
  font-family:'Playfair Display',serif;
  font-size:30px;
  font-weight:700;
  color:var(--ra-gold);
  margin-bottom:10px;
  line-height:1.1;
}
.ra-mini-result p{
  font-size:13.5px;
  color:rgba(244,248,252,.86);
  line-height:1.62;
  margin:0 0 18px;
}
.ra-mini-disclaimer{
  font-size:12px;
  color:var(--ra-muted);
  line-height:1.55;
  margin-top:12px;
}

/* FORM */
.ra-form-section{
  background:var(--ra-navy-mid);
  color:#fff;
  padding:58px 24px;
}
.ra-form-grid{
  max-width:1160px;
  margin:0 auto;
  display:grid;
  grid-template-columns:1fr 420px;
  gap:42px;
  align-items:start;
}
.ra-form-section h2{
  font-family:'Playfair Display',serif;
  font-size:clamp(23px,2.25vw,32px);
  line-height:1.18;
  margin:0 0 14px;
}
.ra-form-section h2 em{
  color:var(--ra-gold);
  font-style:normal;
}
.ra-form-section p{
  color:rgba(244,248,252,.88)!important;
  font-size:14.8px;
  line-height:1.7;
}
.ra-form-box{
  background:var(--ra-navy);
  border:1px solid var(--ra-gold-border);
  border-radius:var(--ra-radius);
  overflow:hidden;
  box-shadow:0 14px 34px rgba(0,0,0,.14);
}
.ra-form-head{
  background:linear-gradient(135deg,var(--ra-gold),var(--ra-gold-light));
  color:var(--ra-navy);
  padding:15px 18px;
}
.ra-form-head h3{
  margin:0 0 3px;
  font-size:16px;
}
.ra-form-head p{
  margin:0;
  color:rgba(15,35,64,.72)!important;
  font-size:12px;
}
.ra-form-body{
  padding:18px;
  color:#fff;
}
.ra-form-section label,
.ra-form-section .wpforms-field-label{
  color:rgba(244,248,252,.94)!important;
}
.ra-form-section input,
.ra-form-section textarea,
.ra-form-section select{
  color:#fff!important;
  background:rgba(255,255,255,.06)!important;
  border:1px solid rgba(255,255,255,.34)!important;
  border-radius:6px!important;
  font-size:16px!important;
  -webkit-text-fill-color:#fff!important;
}
.ra-form-section input::placeholder,
.ra-form-section textarea::placeholder{
  color:rgba(244,248,252,.45)!important;
}
.ra-form-section button,
.ra-form-section input[type="submit"],
.ra-form-section .wpforms-submit{
  background:var(--ra-gold)!important;
  color:var(--ra-navy)!important;
  border:0!important;
  border-radius:6px!important;
  padding:12px 22px!important;
  font-weight:900!important;
  cursor:pointer!important;
}

/* RELATED */
.ra-related{
  background:var(--ra-cream);
  border-top:1px solid var(--ra-border);
  padding:20px 24px;
}
.ra-related-in{
  max-width:1160px;
  margin:0 auto;
  display:flex;
  gap:9px;
  flex-wrap:wrap;
  align-items:center;
}
.ra-related-label{
  color:var(--ra-muted);
  font-size:10.5px;
  font-weight:900;
  letter-spacing:.11em;
  text-transform:uppercase;
}
.ra-pill{
  background:#fff;
  color:var(--ra-navy)!important;
  border:1px solid var(--ra-border);
  border-radius:999px;
  padding:6px 12px;
  font-size:12.5px;
}
.ra-pill:hover{
  border-color:var(--ra-gold);
  color:var(--ra-gold)!important;
}

/* STICKY */
.ra-sticky{
  position:fixed;
  left:0;
  right:0;
  bottom:0;
  z-index:900;
  background:var(--ra-navy);
  border-top:2px solid var(--ra-gold);
  padding:11px 20px;
  display:flex;
  justify-content:center;
  align-items:center;
  gap:14px;
  box-shadow:0 -4px 20px rgba(0,0,0,.24);
  transform:translateY(100%);
  transition:.25s ease;
}
.ra-sticky.on{transform:translateY(0)}
.ra-sticky span{
  color:rgba(244,248,252,.9);
  font-size:12.5px;
}
.ra-sticky span strong{color:#fff}
.ra-sticky-x{
  position:absolute;
  right:14px;
  top:50%;
  transform:translateY(-50%);
  background:transparent;
  border:0;
  color:#B8C5D1;
  font-size:21px;
  cursor:pointer;
}

/* RESPONSIVE */
@media(max-width:1024px){
  
  .ra-hero-card{
    max-width:640px;
  }
  .ra-grid-3,
  .ra-grid-4,
  .ra-dark-grid,
  .ra-trust{
    grid-template-columns:1fr 1fr;
  }
}

@media(max-width:760px){
  .ra-hero{
    padding:38px 18px 0;
  }
  .ra-hero h1{
    font-size:29px;
  }
  .ra-hero h1 em{
    font-size:.84em;
  }
  .ra-hero-intro{
    font-size:15px;
  }
  .ra-checks,
  .ra-grid-2,
  .ra-grid-3,
  .ra-grid-4,
  .ra-dark-grid,
  .ra-trust,
  .ra-mini-fields{
    grid-template-columns:1fr!important;
  }
  .ra-actions{
    flex-direction:column;
    align-items:stretch;
  }
  
  .ra-section,
  .ra-form-section{
    padding:46px 18px;
  }
  .ra-wrap{
    padding:0;
  }
  .ra-row{
    flex-direction:column;
    gap:4px;
  }
  .ra-row span:last-child{
    text-align:left;
  }
  .ra-trust div{
    border-right:0;
    border-bottom:1px solid rgba(201,168,76,.08);
  }
  .ra-table{
    min-width:560px;
  }
  .ra-sticky span{
    display:none;
  }
  .ra-sticky .ra-btn{
    width:100%;
    max-width:330px;
  }
}

@media(max-width:520px){
  .ra-hero h1{font-size:27px}
  .ra-section h2,
  .ra-form-section h2{font-size:23px}
  .ra-card,
  .ra-info-card,
  .ra-faq-item,
  .ra-step-card,
  .ra-risk-card{padding:18px 15px}
  .ra-mini-calc{padding:18px 15px}
  .ra-mini-result{padding:20px}
}