:root{
  --rf-navy:#0F2340;--rf-navy-mid:#1A3A5C;--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-text:#3D4F63;--rf-muted:#7B8794;--rf-border:rgba(15,35,64,.09);--rf-radius:16px;--rf-shadow:0 16px 42px rgba(15,35,64,.08);--rf-green:#16a34a;--rf-red:#b91c1c;
}
*{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}
a{color:inherit}
.rf-page{background:var(--rf-cream);overflow:hidden;margin-top:0!important}

.rf-section{padding:64px 24px}
.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-block;color:var(--rf-gold);font-size:11px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;margin-bottom:12px}
.rf-section-head{max-width:820px;margin-bottom:34px}

.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 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:7px;font-size:15px;font-weight:800;text-decoration:none;transition:all .22s ease}
.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}.rf-btn-ghost:hover{color:var(--rf-gold)}
.rf-hero{background:var(--rf-navy);position:relative;overflow:hidden;padding:54px 24px 0}
.rf-hero:before{content:"";position:absolute;right:-160px;top:-180px;width:720px;height:720px;background:radial-gradient(circle,rgba(201,168,76,.11) 0%,transparent 66%)}
.rf-hero-grid{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1fr) 398px;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)}
.rf-hero h1{font-family:'Playfair Display',serif;color:#fff;font-size:clamp(31px,4vw,44px);line-height:1.07;margin:0 0 16px;max-width:800px}
.rf-hero h1 em{font-style:normal;color:var(--rf-gold);display:block;margin-top:8px;font-size:.82em;line-height:1.18}
.rf-hero-intro{font-size:16.5px;color:rgba(232,238,245,.96);line-height:1.72;margin:0 0 18px;max-width:730px;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 22px;max-width:680px}
.rf-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.rf-checks{display:grid;grid-template-columns:1fr 1fr;gap:10px 16px;margin-bottom:18px;max-width:720px}
.rf-check{display:flex;gap:9px;color:rgba(232,238,245,.9);font-size:13px;line-height:1.45}
.rf-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(--rf-gold);display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;margin-top:1px}
.rf-card{background:var(--rf-navy-mid);border:1px solid var(--rf-gold-border);border-radius:var(--rf-radius);overflow:hidden;box-shadow:0 24px 60px rgba(0,0,0,.14)}
.rf-card-head{padding:16px 20px;background:linear-gradient(135deg,var(--rf-gold),var(--rf-gold-light));font-weight:900;color:var(--rf-navy)}
.rf-card-body{padding:18px 20px}.rf-row{display:flex;justify-content:space-between;gap:14px;padding:10px 0;border-bottom:1px solid rgba(201,168,76,.08)}.rf-row:last-child{border-bottom:0}
.rf-row span:first-child{color:#D4DCE5;font-size:13px}.rf-row span:last-child{color:var(--rf-gold);font-size:12.5px;font-weight:900;white-space:nowrap}
.rf-card-cta{display:block;background:var(--rf-gold);color:var(--rf-navy);text-align:center;padding:14px 18px;font-weight:900;text-decoration:none}
.rf-card-note{padding:10px 18px 15px;color:#9BADB8;font-size:11.5px;text-align:center}
.rf-trust{max-width:1160px;margin:26px auto 0;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(201,168,76,.10);position:relative;z-index:2}
.rf-trust div{padding:14px 15px;color:#9BADB8;font-size:12.5px;border-right:1px solid rgba(201,168,76,.07)}.rf-trust div:last-child{border-right:0}
.rf-toc{background:#fff;border-bottom:1px solid var(--rf-border);overflow-x:auto}.rf-toc-inner{max-width:1160px;margin:0 auto;padding:0 24px;display:flex;white-space:nowrap}
.rf-toc a{display:inline-block;padding:12px 14px;color:var(--rf-muted);font-size:12px;font-weight:900;text-decoration:none;border-bottom:2px solid transparent}.rf-toc a:hover,.rf-toc .active{color:var(--rf-navy);background:var(--rf-gold-soft);border-color:var(--rf-gold)}

.rf-box{background:#fff;border:1px solid var(--rf-border);border-radius:var(--rf-radius);padding:24px;box-shadow:var(--rf-shadow)}
.rf-box h3{font-size:16px;line-height:1.32;color:var(--rf-navy);margin:0 0 9px}.rf-box p{margin:0;color:var(--rf-text);font-size:13.8px;line-height:1.7}
.rf-box a{color:var(--rf-navy);font-weight:800;text-decoration:underline;text-decoration-color:rgba(201,168,76,.38);text-underline-offset:3px}
.rf-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px}.rf-list li{display:flex;gap:10px;color:var(--rf-text);font-size:13.7px;line-height:1.58}
.rf-list li:before{content:"✓";width:20px;height:20px;min-width:20px;border-radius:50%;background:var(--rf-gold-soft);color:var(--rf-gold);display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;margin-top:1px}
.rf-step span{display:inline-block;margin-bottom:12px;color:var(--rf-gold);font-family:'Playfair Display',serif;font-size:27px;font-weight:700;line-height:1}
.rf-dark-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:2px;background:var(--rf-gold-border);border-radius:var(--rf-radius);overflow:hidden}
.rf-dark-grid article{background:var(--rf-navy-mid);padding:24px}.rf-dark-grid h3{color:#fff;font-size:15px;margin:0 0 8px}.rf-dark-grid p{color:rgba(232,238,245,.84);font-size:13px;line-height:1.65;margin:0}
.rf-alert{border-left:4px solid var(--rf-gold);border-radius:0 var(--rf-radius) var(--rf-radius) 0;background:rgba(201,168,76,.08);padding:18px 22px;margin:24px 0}
.rf-alert strong{display:block;color:var(--rf-navy);font-size:14px;margin-bottom:5px}.rf-alert p{margin:0;color:var(--rf-text);font-size:13.5px;line-height:1.68}
.rf-alert.dark{background:rgba(255,255,255,.085);border:1px solid rgba(201,168,76,.34);border-left:4px solid var(--rf-gold)}.rf-alert.dark strong{color:#F6E2A0}.rf-alert.dark p{color:rgba(236,242,248,.88)}
.rf-route{display:flex;align-items:flex-start;gap:14px;background:#fff;border:1px solid var(--rf-border);border-radius:14px;padding:18px;text-decoration:none;transition:all .2s ease;box-shadow:0 8px 24px rgba(15,35,64,.045)}
.rf-route:hover{border-color:var(--rf-gold);transform:translateY(-2px)}.rf-route-num{min-width:34px;height:34px;border-radius:50%;background:var(--rf-gold-soft);color:var(--rf-gold);font-weight:900;display:flex;align-items:center;justify-content:center}
.rf-route strong{display:block;color:var(--rf-navy);font-size:14px;margin-bottom:5px}.rf-route span{display:block;color:var(--rf-text);font-size:13px;line-height:1.55}
.rf-warning-list li:before{content:"→"}
.rf-goodbad{display:grid;grid-template-columns:1fr 1fr;gap:18px}.rf-goodbad .bad{background:#fff;border-left:4px solid rgba(185,28,28,.42)}.rf-goodbad .good{background:#fff;border-left:4px solid rgba(201,168,76,.72)}
.rf-form-grid{display:grid;grid-template-columns:1fr 460px;gap:52px;align-items:start}.rf-form-text h2{font-family:'Playfair Display',serif;color:#fff;font-size:clamp(24px,3vw,30px);line-height:1.15;margin:0 0 14px}.rf-form-text h2 em{font-style:normal;color:var(--rf-gold)}
.rf-form-text p{color:rgba(232,238,245,.84);font-size:15px;line-height:1.75;margin:0 0 22px}.rf-form-text .rf-list li{color:rgba(236,242,248,.92)}.rf-form-text .rf-list li:before{background:rgba(201,168,76,.22);border:1px solid rgba(201,168,76,.38)}
.rf-form-contact{margin-top:20px;display:flex;flex-direction:column;gap:8px}.rf-form-contact a{color:#F2CC63;font-weight:800}
.rf-form-box{background:var(--rf-navy-mid);border:1px solid var(--rf-gold-border);border-radius:var(--rf-radius);overflow:hidden}.rf-form-head{background:linear-gradient(135deg,var(--rf-gold),var(--rf-gold-light));padding:18px 22px;color:var(--rf-navy)}.rf-form-head h3{margin:0 0 3px;font-size:17px}.rf-form-head p{margin:0;color:rgba(15,35,64,.72);font-size:12.5px}.rf-form-body{padding:22px;color:#fff;min-height:auto!important}.rf-form-body form,.rf-form-body .wpforms-container{margin-bottom:0!important}.rf-form-body p:empty,.rf-page p:empty{display:none!important}
.rf-related{background:var(--rf-cream);border-top:1px solid var(--rf-border);padding:48px 24px}.rf-related .rf-wrap{padding:0 24px}
@media(max-width:1024px){.rf-hero-grid,.rf-form-grid{grid-template-columns:1fr;gap:30px}.rf-card{max-width:680px}.rf-trust{grid-template-columns:repeat(2,1fr)}.rf-goodbad{grid-template-columns:1fr}}
@media(max-width:768px){.rf-section{padding:46px 18px}.rf-checks{grid-template-columns:1fr}.rf-trust{margin-top:18px}}
@media(max-width:520px){.rf-hero{padding:34px 16px 0}.rf-hero h1{font-size:28px}.rf-hero h1 em{font-size:.78em}.rf-hero-intro{font-size:14.5px;padding-left:12px}.rf-hero-lead{font-size:14.5px}.rf-row{flex-direction:column;gap:3px}.rf-row span:last-child{white-space:normal}.rf-trust{grid-template-columns:1fr}.rf-trust div{border-right:0;border-bottom:1px solid rgba(201,168,76,.07)}.rf-section{padding:38px 14px}.rf-section-head h2{font-size:24px}.rf-box,.rf-dark-grid article,.rf-route{padding:20px 16px}.rf-form-body{padding:18px 15px}}