.ri-page{
  --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,.27);
  --ri-cream:#F5F1EA;
  --ri-cream-dark:#EDE8DF;
  --ri-text:#3D4F63;
  --ri-muted:#6F7D8B;
  --ri-border:rgba(15,35,64,.10);
  --ri-radius:16px;
  --ri-shadow:0 16px 42px rgba(15,35,64,.08);
  width:100vw;
  max-width:none!important;
  margin-left:calc(50% - 50vw);
  margin-right:calc(50% - 50vw);
  background:var(--ri-cream);
  color:var(--ri-navy);
  font-family:'DM Sans',sans-serif;
  line-height:1.65;
  overflow:hidden;
  -webkit-font-smoothing:antialiased;
}
.ri-page *{box-sizing:border-box}
.ri-page a{color:inherit;text-decoration:none}
.ri-page [id]{scroll-margin-top:90px}
.ri-wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.ri-section{padding:74px 24px}
.ri-white{background:#fff}
.ri-cream{background:var(--ri-cream)}
.ri-cream-dark{background:var(--ri-cream-dark)}
.ri-navy{background:var(--ri-navy)}
.ri-navy-mid{background:var(--ri-navy-mid)}
.ri-kicker{display:inline-block;color:var(--ri-gold);font-size:11px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;margin-bottom:12px}
.ri-section-head{max-width:820px;margin-bottom:36px}

.ri-section-head h2{font-family:'Playfair Display',serif;font-size:clamp(26px,3vw,41px);line-height:1.14;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-light h2{color:#fff}
.ri-light p{color:rgba(238,243,248,.88)}
.ri-btn,.ri-btn-outline,.ri-btn-ghost{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:46px;padding:13px 23px;border-radius:7px;font-size:14.5px;font-weight:800;text-decoration:none;transition:all .22s ease}
.ri-btn{background:var(--ri-gold);color:var(--ri-navy)}
.ri-btn:hover{background:var(--ri-gold-light);transform:translateY(-2px);box-shadow:0 10px 30px rgba(201,168,76,.25)}
.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{border-color:var(--ri-gold);background:rgba(201,168,76,.16)}
.ri-btn-ghost{color:rgba(238,243,248,.88);padding-left:0;padding-right:0;border-bottom:1px solid rgba(201,168,76,.35);border-radius:0}
.ri-btn-ghost:hover{color:var(--ri-gold-light)}
.ri-inline-link{color:#806712!important;font-weight:800;text-decoration:underline!important;text-decoration-color:rgba(128,103,18,.35)!important;text-underline-offset:3px}
.ri-dark-link{color:var(--ri-gold-light)!important;font-weight:800;text-decoration:underline!important;text-decoration-color:rgba(226,201,122,.42)!important;text-underline-offset:3px}

.ri-sticky{position:fixed;bottom:0;left:0;right:0;z-index:800;background:var(--ri-navy);border-top:2px solid var(--ri-gold);padding:11px 54px 11px 20px;display:flex;align-items:center;justify-content:center;gap:14px;box-shadow:0 -4px 24px rgba(0,0,0,.30);transform:translateY(100%);visibility:hidden;pointer-events:none;transition:transform .3s ease,visibility 0s linear .3s}
.ri-sticky.on{transform:translateY(0);visibility:visible;pointer-events:auto;transition-delay:0s}
.ri-sticky span{color:rgba(238,243,248,.90);font-size:13px}
.ri-sticky span strong{color:#fff}
.ri-sticky-x{position:absolute;right:14px;top:50%;transform:translateY(-50%);background:transparent;border:0;color:#AAB6C1;font-size:22px;line-height:1;cursor:pointer}

.ri-hero{position:relative;overflow:hidden;background:var(--ri-navy);padding:64px 24px 0}
.ri-hero::before{content:"";position:absolute;width:720px;height:720px;right:-170px;top:-180px;background:radial-gradient(circle,rgba(201,168,76,.11) 0%,transparent 66%);pointer-events:none}
.ri-hero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:1px;background:linear-gradient(90deg,transparent,rgba(201,168,76,.38),transparent)}
.ri-hero-grid{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1fr) 400px;gap:50px;align-items:center;position:relative;z-index:2}
.ri-hero-badge{display:inline-flex;align-items:center;gap:8px;background:var(--ri-gold-soft);border:1px solid rgba(201,168,76,.32);color:var(--ri-gold-light);padding:7px 14px;border-radius:5px;font-size:11px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin-bottom:18px}
.ri-dot{width:7px;height:7px;border-radius:50%;background:var(--ri-gold);flex-shrink:0}
.ri-hero h1{font-family:'Playfair Display',serif;font-size:clamp(32px,4vw,52px);line-height:1.07;color:#fff;margin:0 0 18px;max-width:790px}
.ri-hero h1 em{display:block;font-style:normal;color:var(--ri-gold-light);font-size:.78em;line-height:1.2;margin-top:9px}
.ri-hero-intro{font-size:16.5px;color:rgba(241,245,249,.97);line-height:1.72;margin:0 0 18px;max-width:700px;font-weight:700;border-left:3px solid var(--ri-gold);padding-left:16px}
.ri-hero-lead{font-size:15.5px;color:rgba(232,238,245,.86);line-height:1.78;margin:0 0 25px;max-width:690px}
.ri-hero-actions{display:flex;gap:14px;flex-wrap:wrap;align-items:center;margin-bottom:25px}
.ri-hero-checks{display:grid;grid-template-columns:1fr 1fr;gap:10px 16px;max-width:700px;margin-bottom:20px}
.ri-hcheck{display:flex;gap:9px;color:rgba(238,243,248,.91);font-size:13px;line-height:1.47}
.ri-check{width:19px;height:19px;min-width:19px;border-radius:50%;background:rgba(201,168,76,.15);border:1px solid rgba(201,168,76,.38);color:var(--ri-gold-light);display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;margin-top:1px}
.ri-hero-card{background:var(--ri-navy-mid);border:1px solid var(--ri-gold-border);border-radius:var(--ri-radius);overflow:hidden;box-shadow:0 24px 58px rgba(0,0,0,.15)}
.ri-hero-card-head{padding:16px 20px;background:linear-gradient(135deg,var(--ri-gold),var(--ri-gold-light));color:var(--ri-navy);font-weight:900;font-size:14px}
.ri-hero-card-head span{display:block;font-size:11.5px;color:rgba(15,35,64,.72);font-weight:700;margin-top:2px}
.ri-hero-card-body{padding:18px 20px}
.ri-hero-row{display:flex;justify-content:space-between;gap:14px;padding:10px 0;border-bottom:1px solid rgba(201,168,76,.10)}
.ri-hero-row:last-child{border-bottom:0}
.ri-hero-row span:first-child{color:#D9E1E9;font-size:13px;line-height:1.45}
.ri-hero-row span:first-child small{display:block;color:#A4B0BC;font-size:11px;margin-top:2px}
.ri-hero-row span:last-child{color:var(--ri-gold-light);font-size:12px;font-weight:900;white-space:nowrap;text-align:right}
.ri-hero-card-cta{display:block;background:var(--ri-gold);color:var(--ri-navy);text-align:center;padding:14px 18px;font-weight:900;font-size:14px}
.ri-hero-card-note{padding:10px 18px 14px;color:#B2C0CC;font-size:11.5px;text-align:center}
.ri-hero-trust{max-width:1180px;margin:38px auto 0;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(201,168,76,.13);position:relative;z-index:2}
.ri-trust-item{padding:14px 15px;color:#BBC6D0;font-size:12.5px;border-right:1px solid rgba(201,168,76,.09)}
.ri-trust-item:last-child{border-right:0}

.ri-warning{background:var(--ri-navy);border-top:3px solid var(--ri-gold);border-bottom:1px solid rgba(201,168,76,.16)}
.ri-warning-in{max-width:1180px;margin:0 auto;padding:16px 24px;display:flex;align-items:center;gap:16px}
.ri-warning-icon{width:34px;height:34px;min-width:34px;border-radius:50%;background:rgba(201,168,76,.16);color:var(--ri-gold-light);display:flex;align-items:center;justify-content:center;font-weight:900}
.ri-warning-text{flex:1;color:#D9E1E9;font-size:13.5px;line-height:1.62}
.ri-warning-text strong{color:#fff}
.ri-toc{background:#fff;border-bottom:1px solid var(--ri-border);overflow-x:auto;-webkit-overflow-scrolling:touch}
.ri-toc-in{max-width:1180px;margin:0 auto;padding:0 24px;display:flex;white-space:nowrap}
.ri-toc a{display:inline-block;padding:12px 14px;font-size:12px;font-weight:900;color:var(--ri-muted);border-bottom:2px solid transparent}
.ri-toc a:hover,.ri-toc a.ri-toc-cta{color:var(--ri-navy);background:var(--ri-gold-soft);border-color:var(--ri-gold)}

.ri-grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:17px}
.ri-grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}
.ri-grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:17px}
.ri-card,.ri-step,.ri-faq-item,.ri-scope-card,.ri-related-card{background:#fff;border:1px solid var(--ri-border);border-radius:var(--ri-radius);padding:23px;box-shadow:0 2px 13px rgba(15,35,64,.05)}
.ri-card h3,.ri-step h3,.ri-faq-item h3,.ri-scope-card h3,.ri-related-card h3{font-size:15.5px;color:var(--ri-navy);margin:0 0 8px;line-height:1.34}
.ri-card p,.ri-step p,.ri-faq-item p,.ri-scope-card p,.ri-related-card p{margin:0;color:var(--ri-text);font-size:13.5px;line-height:1.7}
.ri-step span{display:inline-block;margin-bottom:12px;color:#8B6D15;font-family:'Playfair Display',serif;font-size:28px;font-weight:700;line-height:1}
.ri-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px}
.ri-list li{display:flex;gap:10px;color:var(--ri-text);font-size:13.5px;line-height:1.57}
.ri-list li::before{content:"✓";width:20px;height:20px;min-width:20px;border-radius:50%;background:var(--ri-gold-soft);color:#806712;display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;margin-top:1px}
.ri-light .ri-list li,.ri-form-text .ri-list li{color:rgba(241,245,249,.92)}
.ri-light .ri-list li::before,.ri-form-text .ri-list li::before{background:rgba(201,168,76,.21);border:1px solid rgba(201,168,76,.38);color:var(--ri-gold-light)}
.ri-alert{border-radius:0 var(--ri-radius) var(--ri-radius) 0;padding:18px 22px;margin:24px 0;border-left:4px solid var(--ri-gold);background:rgba(201,168,76,.09)}
.ri-alert strong{display:block;color:var(--ri-navy);font-size:14px;margin-bottom:5px}
.ri-alert p{margin:0;color:var(--ri-text);font-size:13.5px;line-height:1.7}
.ri-alert-dark{background:rgba(255,255,255,.09);border:1px solid rgba(201,168,76,.34);border-left:4px solid var(--ri-gold);box-shadow:0 14px 34px rgba(0,0,0,.12)}
.ri-alert-dark strong{color:#F6E2A0}
.ri-alert-dark p{color:rgba(241,245,249,.90)}
.ri-answer-box{background:#fff;border:1px solid rgba(201,168,76,.35);border-top:4px solid var(--ri-gold);border-radius:var(--ri-radius);box-shadow:var(--ri-shadow);padding:28px}
.ri-answer-box h2{font-family:'Playfair Display',serif;font-size:clamp(25px,3vw,36px);line-height:1.16;margin:0 0 8px;color:var(--ri-navy)}
.ri-answer-box>p{margin:0 0 22px;color:var(--ri-text);font-size:14px;line-height:1.7}

.ri-answer-grid div{background:var(--ri-cream);border-radius:11px;padding:17px}
.ri-answer-grid strong{display:block;color:var(--ri-navy);font-size:12px;margin-bottom:5px;text-transform:uppercase;letter-spacing:.06em}
.ri-answer-grid span{display:block;color:var(--ri-text);font-size:13px;line-height:1.55}

.ri-dark-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:2px;background:var(--ri-gold-border);border-radius:var(--ri-radius);overflow:hidden}
.ri-dark-grid.ri-three{grid-template-columns:repeat(3,1fr)}
.ri-dark-grid article{background:var(--ri-navy-mid);padding:24px}
.ri-dark-grid h3{color:#fff;font-size:15px;margin:0 0 8px}
.ri-dark-grid p{color:rgba(238,243,248,.84);font-size:13px;line-height:1.67;margin:0}
.ri-scope-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}
.ri-scope-card{position:relative}
.ri-scope-card::before{content:"";position:absolute;left:0;right:0;top:0;height:4px;border-radius:16px 16px 0 0;background:var(--ri-gold)}
.ri-scope-label{display:inline-block;margin-bottom:13px;color:#806712;font-size:10.5px;font-weight:900;text-transform:uppercase;letter-spacing:.09em}
.ri-scope-card .ri-list{margin-top:14px}
.ri-scope-card.separate::before{background:var(--ri-navy-light)}
.ri-scope-card.separate .ri-scope-label{color:var(--ri-navy-light)}

.ri-factor-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2px;background:var(--ri-gold-border);border-radius:var(--ri-radius);overflow:hidden}
.ri-factor{background:var(--ri-navy-mid);padding:26px 23px}
.ri-factor span{display:block;color:var(--ri-gold-light);font-size:10.5px;font-weight:900;letter-spacing:.09em;text-transform:uppercase;margin-bottom:8px}
.ri-factor h3{color:#fff;font-size:16px;margin:0 0 8px}
.ri-factor p{color:rgba(238,243,248,.84);font-size:13px;line-height:1.67;margin:0}
.ri-quote-box{margin-top:28px;background:linear-gradient(135deg,var(--ri-navy-light),var(--ri-navy-mid));border:1px solid var(--ri-gold-border);border-radius:var(--ri-radius);padding:25px;display:flex;align-items:center;justify-content:space-between;gap:22px}
.ri-quote-box h3{color:#fff;font-family:'Playfair Display',serif;font-size:23px;margin:0 0 7px}
.ri-quote-box p{color:rgba(238,243,248,.86);font-size:13.5px;line-height:1.65;margin:0;max-width:720px}


.ri-fit-card{background:#fff;border:1px solid var(--ri-border);border-radius:var(--ri-radius);padding:25px;box-shadow:var(--ri-shadow)}
.ri-fit-card h3{font-size:18px;margin:0 0 16px;color:var(--ri-navy)}
.ri-fit-card.alt{background:#FFFDF8;border-color:rgba(201,168,76,.32)}
.ri-fit-card.alt .ri-list li::before{content:"→"}
.ri-related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}
.ri-related-card{display:flex;flex-direction:column}
.ri-related-card p{flex:1;margin-bottom:17px}
.ri-related-card a{color:#806712;font-weight:900;font-size:13px;text-decoration:underline;text-decoration-color:rgba(128,103,18,.34);text-underline-offset:3px}

.ri-form-grid{display:grid;grid-template-columns:minmax(0,1fr) 440px;gap:46px;align-items:start}
.ri-form-text h2{font-family:'Playfair Display',serif;font-size:clamp(27px,3vw,41px);line-height:1.13;color:#fff;margin:0 0 16px}
.ri-form-text h2 em{font-style:normal;color:var(--ri-gold-light)}
.ri-form-text>p{color:rgba(238,243,248,.87);font-size:15px;line-height:1.75;margin:0 0 22px}
.ri-form-text .ri-list{margin-bottom:23px}
.ri-form-contact{display:flex;flex-wrap:wrap;gap:12px 20px}
.ri-form-contact a{color:var(--ri-gold-light);font-weight:800;text-decoration:underline;text-decoration-color:rgba(226,201,122,.38);text-underline-offset:3px}
.ri-form-box{background:#fff;border-radius:var(--ri-radius);overflow:hidden;box-shadow:0 25px 60px rgba(0,0,0,.18)}
.ri-form-head{background:var(--ri-gold);padding:19px 23px;color:var(--ri-navy)}
.ri-form-head h3{font-size:18px;margin:0 0 4px}
.ri-form-head p{font-size:12.5px;margin:0;color:rgba(15,35,64,.75)}
.ri-form-body{padding:23px;color:var(--ri-text)}

.ri-next{background:#0A1B30;border-top:1px solid rgba(201,168,76,.18)}
.ri-next-in{max-width:1180px;margin:0 auto;padding:34px 24px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.ri-next h2{font-family:'Playfair Display',serif;color:#fff;font-size:24px;line-height:1.2;margin:0 0 7px}
.ri-next p{color:rgba(238,243,248,.82);font-size:13.5px;line-height:1.6;margin:0;max-width:760px}

@media (max-width:980px){
  
  .ri-hero-card{max-width:650px}
  .ri-grid-4,.ri-dark-grid,.ri-dark-grid.ri-three,.ri-answer-grid{grid-template-columns:repeat(2,1fr)}
  .ri-grid-3,.ri-scope-grid,.ri-factor-grid,.ri-related-grid{grid-template-columns:repeat(2,1fr)}
  .ri-hero-trust{grid-template-columns:repeat(2,1fr)}
  .ri-trust-item:nth-child(2){border-right:0}
  .ri-form-grid{gap:32px}
  .ri-form-box{max-width:680px;width:100%}
}
@media (max-width:720px){
  .ri-section{padding:56px 18px}
  .ri-wrap{padding:0}
  .ri-hero{padding:46px 18px 0}
  .ri-hero-grid{gap:31px}
  .ri-hero h1{font-size:clamp(31px,10vw,42px)}
  .ri-hero-intro,.ri-hero-lead{font-size:15px}
  
  .ri-hero-trust{grid-template-columns:1fr;margin-top:31px}
  .ri-trust-item{border-right:0;border-bottom:1px solid rgba(201,168,76,.08);padding-left:0}
  .ri-warning-in{align-items:flex-start;flex-wrap:wrap;padding:17px 18px}
  .ri-warning-in .ri-btn{width:100%}
  .ri-toc-in{padding:0 8px}
  .ri-quote-box,.ri-next-in{align-items:flex-start;flex-direction:column}
  .ri-quote-box .ri-btn,.ri-next .ri-btn{width:100%}
  .ri-form-contact{flex-direction:column;gap:7px}
  .ri-sticky{justify-content:flex-start;padding:10px 48px 10px 12px}
  .ri-sticky span{display:none}
  .ri-sticky .ri-btn{width:100%;min-height:43px;padding:11px 14px}
}
@media (max-width:430px){
  .ri-hero-actions{display:grid;grid-template-columns:1fr}
  .ri-hero-actions .ri-btn,.ri-hero-actions .ri-btn-ghost{width:100%}
  .ri-hero-row{display:block}
  .ri-hero-row span:last-child{display:block;text-align:left;margin-top:4px;white-space:normal}
  .ri-card,.ri-step,.ri-faq-item,.ri-scope-card,.ri-related-card,.ri-fit-card{padding:20px}
}
@media (prefers-reduced-motion:reduce){
  .ri-page *{scroll-behavior:auto!important;transition:none!important}
}