:root{
  --ri-navy:#0F2340;
  --ri-navy-mid:#1A3A5C;
  --ri-navy-light:#234870;
  --ri-gold:#C9A84C;
  --ri-gold-light:#E2C97A;
  --ri-gold-soft:rgba(201,168,76,.12);
  --ri-gold-border:rgba(201,168,76,.25);
  --ri-cream:#F5F1EA;
  --ri-cream-dark:#ECE7DE;
  --ri-white:#fff;
  --ri-text:#3D4F63;
  --ri-muted:#7B8794;
  --ri-border:rgba(15,35,64,.09);
  --ri-shadow:0 18px 48px rgba(15,35,64,.08);
  --ri-radius:18px;
  --ri-amber:#F59E0B;
  --ri-red:#DC2626;
  --ri-green:#16A34A;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:'DM Sans',sans-serif;
  background:var(--ri-cream);
  color:var(--ri-navy);
  line-height:1.7;
  overflow-x:hidden;
  -webkit-font-smoothing:antialiased;
}
a{color:inherit;text-decoration:none}
.ri-page{background:var(--ri-cream);overflow:hidden}

.ri-section{padding:78px 24px}
.ri-white{background:#fff}
.ri-cream{background:var(--ri-cream)}
.ri-cream-dark{background:var(--ri-cream-dark)}
.ri-dark{background:var(--ri-navy)}
.ri-kicker{
  display:inline-block;
  margin-bottom:12px;
  color:var(--ri-gold);
  font-size:11px;
  font-weight:900;
  letter-spacing:.13em;
  text-transform:uppercase;
}
.ri-section-head{max-width:900px;margin-bottom:38px}

.ri-section-head h2{
  font-family:'Playfair Display',serif;
  font-size:clamp(27px,3vw,42px);
  line-height:1.12;
  margin:0 0 14px;
  color:var(--ri-navy);
}
.ri-section-head p{
  margin:0;
  color:var(--ri-text);
  font-size:15.5px;
  line-height:1.78;
}

.ri-dark .ri-section-head p{color:rgba(232,238,245,.86)}

.ri-btn,.ri-btn-outline,.ri-btn-dark{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  min-height:48px;
  padding:14px 24px;
  border-radius:8px;
  font-size:15px;
  font-weight:900;
  transition:all .22s ease;
  text-align:center;
}
.ri-btn{background:var(--ri-gold);color:var(--ri-navy)}
.ri-btn:hover{background:var(--ri-gold-light);transform:translateY(-2px);box-shadow:0 12px 32px rgba(201,168,76,.28)}
.ri-btn-outline{color:var(--ri-gold-light);border:1px solid var(--ri-gold-border);background:rgba(201,168,76,.08)}
.ri-btn-outline:hover{background:rgba(201,168,76,.16);border-color:var(--ri-gold)}
.ri-btn-dark{background:var(--ri-navy);color:#fff}

/* HERO */
.ri-hero{
  position:relative;
  overflow:hidden;
  background:linear-gradient(135deg,#0F2340 0%,#142D4D 55%,#1A3A5C 100%);
  padding:74px 24px 0;
}
.ri-hero::before{
  content:"";
  position:absolute;
  width:780px;
  height:780px;
  right:-230px;
  top:-250px;
  background:radial-gradient(circle,rgba(201,168,76,.11) 0%,transparent 68%);
  pointer-events:none;
}
.ri-hero-grid{
  max-width:1160px;
  margin:0 auto;
  position:relative;
  z-index:2;
  display:grid;
  grid-template-columns:minmax(0,1fr) 405px;
  gap:54px;
  align-items:start;
}
.ri-badge{
  display:inline-flex;
  align-items:center;
  gap:8px;
  background:rgba(201,168,76,.10);
  border:1px solid rgba(201,168,76,.28);
  color:var(--ri-gold-light);
  padding:7px 14px;
  border-radius:999px;
  font-size:11px;
  font-weight:900;
  text-transform:uppercase;
  letter-spacing:.08em;
  margin-bottom:18px;
}
.ri-dot{width:7px;height:7px;border-radius:50%;background:var(--ri-gold)}
.ri-hero h1{
  margin:0 0 18px;
  color:#fff;
  font-family:'Playfair Display',serif;
  font-size:clamp(34px,4vw,58px);
  line-height:1.04;
}
.ri-hero h1 em{
  display:block;
  font-style:normal;
  color:var(--ri-gold);
  font-size:.78em;
  line-height:1.12;
  margin-top:8px;
}
.ri-hero-intro{
  max-width:760px;
  margin:0 0 18px;
  color:rgba(235,240,245,.96);
  font-size:17px;
  line-height:1.72;
  font-weight:800;
  border-left:3px solid var(--ri-gold);
  padding-left:16px;
}
.ri-hero-lead{
  max-width:760px;
  margin:0 0 26px;
  color:rgba(235,240,245,.84);
  font-size:15.5px;
  line-height:1.78;
}
.ri-hero-lead a{color:var(--ri-gold);font-weight:900;text-decoration:underline;text-decoration-color:rgba(201,168,76,.35)}

.ri-checks{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:10px 16px;
  max-width:760px;
  margin-bottom:32px;
}
.ri-check{
  display:flex;
  gap:9px;
  color:rgba(235,240,245,.92);
  font-size:13px;
  line-height:1.45;
}
.ri-check::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,.30);
  color:var(--ri-gold);
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:10px;
  font-weight:900;
  margin-top:1px;
}

/* HERO CARD */
.ri-hero-card{
  align-self:start;
  height:auto;
  background:rgba(255,255,255,.035);
  border:1px solid rgba(201,168,76,.22);
  border-radius:var(--ri-radius);
  overflow:hidden;
  box-shadow:0 24px 60px rgba(0,0,0,.17);
}
.ri-card-head{
  padding:17px 20px;
  background:linear-gradient(135deg,var(--ri-gold),var(--ri-gold-light));
  color:var(--ri-navy);
  font-weight:900;
}
.ri-card-head span{
  display:block;
  margin-top:3px;
  font-size:12px;
  color:rgba(15,35,64,.68);
  font-weight:800;
}
.ri-card-body{padding:18px 20px}
.ri-card-row{
  display:flex;
  justify-content:space-between;
  gap:14px;
  padding:11px 0;
  border-bottom:1px solid rgba(201,168,76,.09);
}
.ri-card-row:last-child{border-bottom:0}
.ri-card-row span:first-child{color:#D4DCE5;font-size:13px;line-height:1.4}
.ri-card-row span:last-child{color:var(--ri-gold);font-size:12.5px;font-weight:900;text-align:right;white-space:nowrap}
.ri-card-cta{
  display:block;
  background:var(--ri-gold);
  color:var(--ri-navy);
  text-align:center;
  padding:15px 18px;
  font-weight:900;
}
.ri-card-note{padding:11px 18px 15px;color:#9BADB8;font-size:11.5px;text-align:center;line-height:1.5}

.ri-trust{
  position:relative;
  z-index:2;
  max-width:1160px;
  margin:36px auto 0;
  display:grid;
  grid-template-columns:repeat(4,1fr);
  border-top:1px solid rgba(201,168,76,.10);
}
.ri-trust-item{
  padding:14px 16px;
  color:#AAB5C0;
  font-size:12.5px;
  border-right:1px solid rgba(201,168,76,.08);
}
.ri-trust-item:last-child{border-right:0}

/* TOC */
.ri-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;
  -webkit-overflow-scrolling:touch;
}
.ri-toc::-webkit-scrollbar{display:none}
.ri-toc-in{
  max-width:1160px;
  margin:0 auto;
  padding:0 24px;
  display:flex;
}
.ri-toc a{
  display:inline-block;
  padding:13px 14px;
  color:var(--ri-muted);
  font-size:12px;
  font-weight:900;
  border-bottom:2px solid transparent;
}
.ri-toc a:hover{color:var(--ri-navy);background:var(--ri-gold-soft);border-color:var(--ri-gold)}

/* COMPONENTS */



.ri-box{
  background:#fff;
  border:1px solid var(--ri-border);
  border-radius:var(--ri-radius);
  padding:24px;
  box-shadow:var(--ri-shadow);
}
.ri-box h3{margin:0 0 11px;font-size:19px;line-height:1.25;color:var(--ri-navy)}
.ri-box p{margin:0;color:var(--ri-text);font-size:14.5px;line-height:1.72}
.ri-box a{color:var(--ri-gold);font-weight:900}
.ri-warning{border-left:4px solid var(--ri-amber);background:rgba(245,158,11,.08)}
.ri-danger{border-left:4px solid var(--ri-red);background:rgba(220,38,38,.06)}
.ri-good{border-left:4px solid var(--ri-green);background:rgba(22,163,74,.06)}

.ri-rich-text{max-width:920px}
.ri-rich-text p{
  margin:0 0 18px;
  color:var(--ri-text);
  font-size:15.5px;
  line-height:1.85;
}
.ri-rich-text strong{color:var(--ri-navy)}
.ri-rich-text a{color:var(--ri-gold);font-weight:900;text-decoration:underline;text-decoration-color:rgba(201,168,76,.35)}

.ri-flow{
  display:grid;
  grid-template-columns:repeat(5,1fr);
  gap:12px;
}
.ri-step{
  position:relative;
  background:#fff;
  border:1px solid var(--ri-border);
  border-radius:16px;
  padding:20px 16px;
  box-shadow:var(--ri-shadow);
}
.ri-step-num{
  width:28px;
  height:28px;
  border-radius:50%;
  display:flex;
  align-items:center;
  justify-content:center;
  background:var(--ri-gold);
  color:var(--ri-navy);
  font-weight:900;
  margin-bottom:10px;
}
.ri-step strong{display:block;color:var(--ri-navy);font-size:14px;margin-bottom:6px}
.ri-step span{display:block;color:var(--ri-text);font-size:13px;line-height:1.55}

.ri-list{margin:0;padding-left:18px;color:var(--ri-text);font-size:14.5px}
.ri-list li{margin-bottom:10px}

/* DARK BLOCKS */
.ri-dark-card{
  background:rgba(255,255,255,.055);
  border:1px solid rgba(201,168,76,.22);
  border-radius:var(--ri-radius);
  padding:24px;
  color:#DCE5EE;
}
.ri-dark-card strong{display:block;color:#fff;font-size:17px;margin-bottom:9px}
.ri-dark-card p{margin:0;color:rgba(232,238,245,.84);font-size:14.5px;line-height:1.7}
.ri-dark-card a{color:var(--ri-gold-light);font-weight:900}

/* RELATED */
.ri-related{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.ri-related article{
  background:#fff;
  border:1px solid var(--ri-border);
  border-radius:var(--ri-radius);
  padding:24px;
  box-shadow:var(--ri-shadow);
}
.ri-related h3{margin:0 0 10px;font-size:19px;color:var(--ri-navy)}
.ri-related p{margin:0 0 14px;color:var(--ri-text);font-size:14.5px;line-height:1.7}
.ri-related a{color:var(--ri-gold);font-weight:900}

/* HUB STRIP */
.ri-hub-strip{
  background:linear-gradient(135deg,rgba(201,168,76,.12),rgba(255,255,255,.7));
  border:1px solid rgba(201,168,76,.24);
  border-radius:20px;
  padding:22px 24px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:22px;
  box-shadow:var(--ri-shadow);
}
.ri-hub-strip strong{display:block;color:var(--ri-navy);font-size:18px;margin-bottom:5px}
.ri-hub-strip p{margin:0;color:var(--ri-text);font-size:14.5px}
.ri-hub-strip a{
  flex-shrink:0;
  background:var(--ri-navy);
  color:#fff;
  padding:12px 18px;
  border-radius:9px;
  font-weight:900;
}

/* FAQ */
.ri-faq{display:grid;gap:14px}
.ri-faq details{
  background:#fff;
  border:1px solid var(--ri-border);
  border-radius:16px;
  overflow:hidden;
  box-shadow:0 10px 28px rgba(15,35,64,.04);
}
.ri-faq summary{
  list-style:none;
  cursor:pointer;
  padding:18px 48px 18px 22px;
  font-weight:900;
  color:var(--ri-navy);
  position:relative;
}
.ri-faq summary::-webkit-details-marker{display:none}
.ri-faq summary::after{
  content:"+";
  position:absolute;
  right:20px;
  top:50%;
  transform:translateY(-50%);
  color:var(--ri-gold);
  font-size:24px;
  font-weight:700;
}
.ri-faq details[open] summary::after{content:"−"}
.ri-faq-content{padding:0 22px 20px;color:var(--ri-text);font-size:14.5px;line-height:1.76}

/* FORM */
.ri-form-section{
  background:linear-gradient(135deg,#102646 0%,#16365C 100%);
  border-top:3px solid var(--ri-gold);
}

.ri-form-box{
  background:rgba(255,255,255,.06);
  border:1px solid rgba(201,168,76,.22);
  border-radius:22px;
  padding:30px;
  box-shadow:0 24px 60px rgba(0,0,0,.18);
}
.ri-form-intro{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:12px;
  margin-bottom:24px;
}
.ri-form-chip{
  background:rgba(255,255,255,.06);
  border:1px solid rgba(201,168,76,.18);
  border-radius:14px;
  padding:14px;
  color:#DDE6EF;
  font-size:12.5px;
  font-weight:800;
}
.ri-form-box label,
.ri-form-box .forminator-label{
  color:#DDE6EF!important;
  font-weight:800!important;
  font-size:13px!important;
}
.ri-form-box input,
.ri-form-box select,
.ri-form-box textarea,
.ri-form-box .forminator-input,
.ri-form-box .forminator-select2,
.ri-form-box .forminator-textarea{
  background:rgba(255,255,255,.08)!important;
  border:1px solid rgba(255,255,255,.24)!important;
  color:#fff!important;
  border-radius:10px!important;
  min-height:48px!important;
  box-shadow:none!important;
}
.ri-form-box textarea,
.ri-form-box .forminator-textarea{min-height:130px!important}
.ri-form-box ::placeholder{color:rgba(255,255,255,.55)!important}
.ri-form-box input:focus,
.ri-form-box select:focus,
.ri-form-box textarea:focus,
.ri-form-box .forminator-input:focus,
.ri-form-box .forminator-textarea:focus{
  border-color:var(--ri-gold)!important;
  box-shadow:0 0 0 3px rgba(201,168,76,.18)!important;
  outline:none!important;
}
.ri-form-box button,
.ri-form-box input[type="submit"],
.ri-form-box .forminator-button-submit{
  background:var(--ri-gold)!important;
  color:var(--ri-navy)!important;
  border-radius:10px!important;
  font-weight:900!important;
  min-height:50px!important;
  border:0!important;
  padding:14px 24px!important;
}
.ri-form-box button:hover,
.ri-form-box input[type="submit"]:hover,
.ri-form-box .forminator-button-submit:hover{background:var(--ri-gold-light)!important}
.ri-note{margin-top:18px;color:#AAB5C0;font-size:12.5px;line-height:1.6}

/* STICKY */
.ri-sticky{
  position:fixed;
  left:0;
  right:0;
  bottom:env(safe-area-inset-bottom);
  z-index:800;
  background:var(--ri-navy);
  border-top:2px solid var(--ri-gold);
  padding:12px 20px;
  display:flex;
  align-items:center;
  justify-content:center;
  gap:14px;
  box-shadow:0 -4px 24px rgba(0,0,0,.28);
  transform:translateY(100%);
  transition:transform .3s ease;
}
.ri-sticky.on{transform:translateY(0)}
.ri-sticky span{color:#fff;font-size:13px;font-weight:800}
.ri-sticky a{
  background:var(--ri-gold);
  color:var(--ri-navy);
  padding:10px 18px;
  border-radius:8px;
  font-weight:900;
  font-size:13px;
}
.ri-sticky-close{
  position:absolute;
  right:14px;
  top:50%;
  transform:translateY(-50%);
  color:#9BADB8;
  font-size:22px;
  cursor:pointer;
  line-height:1;
}

/* MOBILE */
@media(max-width:1080px){
  .ri-hero-grid{grid-template-columns:1fr;gap:34px}
  .ri-hero-card{max-width:560px}
}
@media(max-width:980px){
  
  .ri-flow{grid-template-columns:1fr}
  .ri-trust{grid-template-columns:1fr 1fr}
  .ri-checks{grid-template-columns:1fr}
  .ri-hub-strip{display:block}
  .ri-hub-strip a{display:inline-flex;margin-top:16px}
}
@media(max-width:768px){
  .ri-section{padding:62px 20px}
  .ri-hero{padding:58px 20px 0}
  
  .ri-actions{flex-direction:column}
  
  .ri-trust{grid-template-columns:1fr}
  .ri-trust-item{border-right:0;border-bottom:1px solid rgba(201,168,76,.08)}
  .ri-trust-item:last-child{border-bottom:0}
  .ri-form-box{padding:22px 16px}
  .ri-sticky{padding:10px 46px 10px 12px}
  .ri-sticky span{display:none}
  .ri-sticky a{width:100%;text-align:center}
}