:root{
  --rf-navy:#0F2340;
  --rf-navy-mid:#1A3A5C;
  --rf-navy-light:#234870;
  --rf-gold:#C9A84C;
  --rf-gold-light:#E2C97A;
  --rf-gold-soft:rgba(201,168,76,.12);
  --rf-gold-border:rgba(201,168,76,.24);
  --rf-cream:#F5F1EA;
  --rf-cream-dark:#EDE8DF;
  --rf-white:#fff;
  --rf-text:#3D4F63;
  --rf-muted:#7B8794;
  --rf-border:rgba(15,35,64,.09);
  --rf-radius:18px;
  --rf-shadow:0 16px 42px rgba(15,35,64,.08);
}

.rf-page,
.rf-page *{box-sizing:border-box}

.rf-page{
  font-family:'DM Sans',sans-serif;
  background:var(--rf-cream);
  color:var(--rf-navy);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
  overflow:hidden;
}

.rf-page a{
  color:inherit;
  text-decoration:none;
}



.rf-section{
  padding:76px 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-navy-mid{background:var(--rf-navy-mid)}

.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:850px;
  margin-bottom:36px;
}

.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{
  background:var(--rf-gold);
  color:var(--rf-navy)!important;
}

.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)!important;
  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-context-link{
  color:var(--rf-gold)!important;
  font-weight:800;
  border-bottom:1px solid rgba(201,168,76,.45);
}

.rf-hero{
  background:var(--rf-navy);
  position:relative;
  overflow:hidden;
  padding:70px 24px 0;
}

.rf-hero:before{
  content:"";
  position:absolute;
  right:-160px;
  top:-180px;
  width:720px;
  height:720px;
  background:radial-gradient(circle,rgba(201,168,76,.13) 0%,transparent 66%);
}

.rf-hero-grid{
  max-width:1160px;
  margin:0 auto;
  display:grid;
  grid-template-columns:minmax(0,1fr) 430px;
  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 rgba(201,168,76,.3);
  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,52px);
  line-height:1.07;
  margin:0 0 16px;
}

.rf-hero h1 em{
  display:block;
  font-style:normal;
  color:var(--rf-gold);
  font-size:.78em;
  line-height:1.18;
  margin-top:8px;
}

.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 24px;
  max-width:730px;
}



.rf-checks{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:10px 16px;
  margin-bottom:30px;
  max-width:760px;
}

.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-hero-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-hero-card-head{
  padding:17px 20px;
  background:linear-gradient(135deg,var(--rf-gold),var(--rf-gold-light));
  font-weight:900;
  color:var(--rf-navy);
}

.rf-hero-card-head span{
  display:block;
  font-size:12px;
  color:rgba(15,35,64,.70);
  font-weight:700;
  margin-top:2px;
}

.rf-hero-card-body{
  padding:18px 20px;
}

.rf-row{
  display:flex;
  justify-content:space-between;
  gap:14px;
  padding:11px 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;
  line-height:1.4;
}

.rf-row small{
  display:block;
  color:#8A96A3;
  font-size:11px;
  margin-top:2px;
}

.rf-row span:last-child{
  color:var(--rf-gold);
  font-size:12.5px;
  font-weight:900;
  white-space:nowrap;
  text-align:right;
}

.rf-card-cta{
  display:block;
  background:var(--rf-gold);
  color:var(--rf-navy)!important;
  text-align:center;
  padding:14px 18px;
  font-weight:900;
}

.rf-card-note{
  padding:11px 18px 15px;
  color:#9BADB8;
  font-size:11.5px;
  text-align:center;
}

.rf-trust{
  max-width:1160px;
  margin:42px 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-warning{
  background:var(--rf-navy);
  border-top:3px solid var(--rf-gold);
  border-bottom:1px solid rgba(201,168,76,.15);
}

.rf-warning-in{
  max-width:1160px;
  margin:0 auto;
  padding:16px 24px;
  display:flex;
  align-items:center;
  gap:16px;
}

.rf-warning-icon{
  width:32px;
  height:32px;
  min-width:32px;
  border-radius:50%;
  background:rgba(201,168,76,.15);
  color:var(--rf-gold-light);
  display:flex;
  align-items:center;
  justify-content:center;
}

.rf-warning-text{
  flex:1;
  color:#D4DCE5;
  font-size:13.5px;
  line-height:1.6;
}

.rf-warning-text strong{
  color:#fff;
}

.rf-toc{
  background:#fff;
  border-bottom:1px solid var(--rf-border);
  overflow-x:auto;
  -webkit-overflow-scrolling:touch;
}

.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;
  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,
.rf-step,
.rf-route,
.rf-case,
.rf-service-card,
.rf-risk-card,
.rf-comp-card{
  background:#fff;
  border:1px solid var(--rf-border);
  border-radius:var(--rf-radius);
  padding:24px;
  box-shadow:var(--rf-shadow);
}

.rf-box h3,
.rf-step h3,
.rf-route h3,
.rf-case h3,
.rf-service-card h3,
.rf-risk-card h3,
.rf-comp-card h3{
  font-size:16px;
  line-height:1.32;
  color:var(--rf-navy);
  margin:0 0 9px;
}

.rf-case h3,
.rf-service-card h3{
  font-family:'Playfair Display',serif;
  font-size:22px;
}

.rf-box p,
.rf-step p,
.rf-route p,
.rf-case p,
.rf-service-card p,
.rf-risk-card p,
.rf-comp-card p{
  margin:0;
  color:var(--rf-text);
  font-size:13.8px;
  line-height:1.7;
}

.rf-route:hover,
.rf-service-card:hover,
.rf-comp-card:hover{
  transform:translateY(-3px);
  border-color:var(--rf-gold-border);
}

.rf-route a,
.rf-service-card span,
.rf-comp-card span{
  display:inline-block;
  margin-top:13px;
  color:var(--rf-gold);
  font-weight:900;
}

.rf-case-label,
.rf-service-card small{
  display:block;
  color:var(--rf-gold);
  font-size:11px;
  letter-spacing:.12em;
  text-transform:uppercase;
  font-weight:900;
  margin-bottom:11px;
}

.rf-tags{
  display:flex;
  flex-wrap:wrap;
  gap:8px;
  margin-top:16px;
}

.rf-tags span{
  font-size:11.5px;
  font-weight:900;
  color:var(--rf-gold);
  background:var(--rf-gold-soft);
  border:1px solid var(--rf-gold-border);
  border-radius:999px;
  padding:5px 10px;
}

.rf-alert{
  border-left:4px solid var(--rf-gold);
  border-radius:0 var(--rf-radius) var(--rf-radius) 0;
  background:rgba(201,168,76,.09);
  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-afc-box{
  background:var(--rf-navy);
  border-radius:var(--rf-radius);
  padding:42px;
  border:1px solid var(--rf-gold-border);
  box-shadow:0 24px 60px rgba(15,35,64,.14);
}

.rf-afc-box h2,
.rf-afc-box h3{
  color:#fff!important;
}

.rf-afc-box p{
  color:rgba(232,238,245,.86)!important;
}

.rf-afc-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:32px;
  margin-top:28px;
}

.rf-afc-col{
  background:rgba(255,255,255,.045);
  border:1px solid rgba(201,168,76,.16);
  border-radius:16px;
  padding:24px;
}

.rf-afc-col h3{
  font-family:'Playfair Display',serif;
  font-size:23px;
  margin:0 0 14px;
}

.rf-afc-item{
  color:#D8E1EC;
  padding:12px 0;
  border-bottom:1px solid rgba(255,255,255,.08);
  line-height:1.55;
  font-size:13.5px;
}

.rf-afc-item:last-child{
  border-bottom:0;
}

.rf-num{
  display:inline-block;
  margin-bottom:12px;
  color:var(--rf-gold);
  font-family:'Playfair Display',serif;
  font-size:28px;
  font-weight:700;
  line-height:1;
}

.rf-list{
  list-style:none;
  padding:0;
  margin: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-faq{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:14px;
}

.rf-faq details{
  background:#fff;
  border:1px solid var(--rf-border);
  border-radius:var(--rf-radius);
  overflow:hidden;
  box-shadow:var(--rf-shadow);
}

.rf-faq summary{
  cursor:pointer;
  list-style:none;
  padding:20px 22px;
  color:var(--rf-navy);
  font-weight:900;
  display:flex;
  justify-content:space-between;
  gap:18px;
}

.rf-faq summary::-webkit-details-marker{
  display:none;
}

.rf-faq summary:after{
  content:"+";
  color:var(--rf-gold);
  font-size:22px;
  line-height:1;
}

.rf-faq details[open] summary:after{
  content:"−";
}

.rf-answer{
  padding:0 22px 20px;
  color:var(--rf-text);
  line-height:1.72;
  font-size:13.8px;
}

.rf-price{
  background:#fff;
  border:1px solid var(--rf-gold-border);
  border-radius:var(--rf-radius);
  padding:24px;
  box-shadow:var(--rf-shadow);
}

.rf-price strong{
  display:block;
  font-family:'Playfair Display',serif;
  color:var(--rf-navy);
  font-size:24px;
  line-height:1.2;
  margin-bottom:10px;
}

.rf-price b{
  color:var(--rf-gold);
}

.rf-form-grid{
  display:grid;
  grid-template-columns:minmax(0,1fr) 430px;
  gap:44px;
  align-items:start;
}

.rf-form-text h2{
  font-family:'Playfair Display',serif;
  color:#FFFFFF!important;
  font-size:clamp(26px,3vw,40px);
  line-height:1.14;
  margin:0 0 14px;
}

.rf-form-text h2 em{
  color:#E2C97A!important;
  font-style:normal;
}

.rf-form-text p{
  color:#E7EDF5!important;
  font-size:15.5px;
  line-height:1.75;
  margin:0 0 20px;
}

.rf-form-text .rf-list li{
  color:#DCE5EF!important;
}

.rf-form-text .rf-list li:before{
  background:rgba(201,168,76,.18)!important;
  color:#E2C97A!important;
  border:1px solid rgba(201,168,76,.35);
}

.rf-form-contact{
  display:flex;
  gap:12px;
  flex-wrap:wrap;
  margin-top:22px;
}

.rf-form-contact a{
  color:#E2C97A!important;
  font-weight:800;
  border:1px solid rgba(201,168,76,.38)!important;
  background:rgba(201,168,76,.10)!important;
  border-radius:999px;
  padding:8px 13px;
  font-size:13px;
}

.rf-form-contact a:hover{
  color:#0F2340!important;
  background:#E2C97A!important;
}

.rf-form-box{
  background:#fff;
  border-radius:var(--rf-radius);
  overflow:hidden;
  box-shadow:0 20px 54px rgba(0,0,0,.16);
  border:1px solid var(--rf-gold-border);
}

.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;
  font-size:12.5px;
  color:rgba(15,35,64,.72);
  line-height:1.5;
}

.rf-form-body{
  padding:22px;
  color:var(--rf-navy);
}

.rf-form-body input,
.rf-form-body select,
.rf-form-body textarea{
  color:var(--rf-navy)!important;
  background:#fff!important;
}

.rf-related{
  background:#fff;
  border-top:1px solid var(--rf-border);
  padding:22px 24px;
}

.rf-related-inner{
  max-width:1160px;
  margin:0 auto;
  display:flex;
  gap:10px;
  align-items:center;
  flex-wrap:wrap;
}

.rf-related-label{
  font-size:12px;
  font-weight:900;
  color:var(--rf-muted);
  text-transform:uppercase;
  letter-spacing:.08em;
  margin-right:6px;
}

.rf-pill{
  display:inline-flex;
  align-items:center;
  padding:8px 13px;
  border:1px solid var(--rf-border);
  border-radius:999px;
  background:var(--rf-cream);
  font-size:13px;
  font-weight:800;
  color:var(--rf-text);
}

.rf-pill:hover{
  border-color:var(--rf-gold);
  color:var(--rf-gold);
}

@media(max-width:980px){
  

  .rf-hero-card{
    max-width:560px;
  }

  

  .rf-trust{
    grid-template-columns:1fr 1fr;
  }

  .rf-section{
    padding:58px 20px;
  }

  .rf-hero{
    padding:54px 20px 0;
  }
}

@media(max-width:640px){
  

  .rf-hero{
    padding:42px 16px 0;
  }

  .rf-hero-grid{
    gap:30px;
  }

  .rf-hero h1{
    font-size:31px;
  }

  .rf-hero-intro{
    font-size:15px;
  }

  

  

  

  .rf-trust div{
    border-right:0;
    border-bottom:1px solid rgba(201,168,76,.07);
  }

  .rf-trust div:last-child{
    border-bottom:0;
  }

  .rf-section{
    padding:46px 16px;
  }

  .rf-section-head h2{
    font-size:25px;
  }

  .rf-box,
  .rf-step,
  .rf-route,
  .rf-case,
  .rf-service-card,
  .rf-risk-card,
  .rf-comp-card,
  .rf-price{
    padding:20px 16px;
  }

  .rf-row{
    flex-direction:column;
    gap:4px;
  }

  .rf-row span:last-child{
    text-align:left;
  }

  

  .rf-afc-box{
    padding:26px 18px;
  }

  .rf-afc-col{
    padding:20px 16px;
  }

  .rf-related-inner{
    align-items:stretch;
  }

  .rf-pill{
    width:100%;
    justify-content:center;
  }

  .rf-form-body{
    padding:18px 15px;
  }
}