.ris-page{--ris-navy:#0F2340;--ris-navy-mid:#1A3A5C;--ris-navy-light:#234870;--ris-gold:#C9A84C;--ris-gold-light:#E2C97A;--ris-gold-soft:rgba(201,168,76,.12);--ris-gold-border:rgba(201,168,76,.27);--ris-cream:#F5F1EA;--ris-cream-dark:#EDE8DF;--ris-text:#3D4F63;--ris-muted:#6F7D8B;--ris-border:rgba(15,35,64,.10);--ris-radius:16px;--ris-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(--ris-cream);color:var(--ris-navy);font-family:'DM Sans',Arial,sans-serif;line-height:1.65;overflow:hidden;-webkit-font-smoothing:antialiased}.ris-page *{box-sizing:border-box}.ris-page a{color:inherit;text-decoration:none}.ris-page [id]{scroll-margin-top:90px}.ris-wrap{max-width:1180px;margin:0 auto;padding:0 24px}.ris-section{padding:68px 24px}.ris-white{background:#fff}.ris-cream{background:var(--ris-cream)}.ris-cream-dark{background:var(--ris-cream-dark)}.ris-navy{background:var(--ris-navy)}.ris-kicker{display:inline-block;color:#806712;font-size:11px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;margin-bottom:11px}.ris-light .ris-kicker,.ris-hero .ris-kicker{color:var(--ris-gold-light)}.ris-section-head{max-width:850px;margin-bottom:32px}.ris-section-head h2{font-family:'Playfair Display',Georgia,serif;font-size:clamp(25px,3vw,39px);line-height:1.15;margin:0 0 13px;color:var(--ris-navy)}.ris-section-head p{margin:0;color:var(--ris-text);font-size:15.5px;line-height:1.75}.ris-light h2{color:#fff}.ris-light p{color:rgba(238,243,248,.88)}.ris-btn,.ris-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;transition:all .22s ease}.ris-btn{background:var(--ris-gold);color:var(--ris-navy)}.ris-btn:hover{background:var(--ris-gold-light);transform:translateY(-2px);box-shadow:0 10px 30px rgba(201,168,76,.24)}.ris-btn-ghost{color:rgba(238,243,248,.9);padding-left:0;padding-right:0;border-bottom:1px solid rgba(201,168,76,.35);border-radius:0}.ris-inline-link{color:#735D18!important;font-weight:800;text-decoration:underline!important;text-decoration-color:rgba(115,93,24,.35)!important;text-underline-offset:3px}.ris-dark-link{color:var(--ris-gold-light)!important;font-weight:800;text-decoration:underline!important;text-decoration-color:rgba(226,201,122,.42)!important;text-underline-offset:3px}
.ris-sticky{position:fixed;bottom:0;left:0;right:0;z-index:800;background:var(--ris-navy);border-top:2px solid var(--ris-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}.ris-sticky.on{transform:translateY(0);visibility:visible;pointer-events:auto;transition-delay:0s}.ris-sticky span{color:rgba(238,243,248,.90);font-size:13px}.ris-sticky span strong{color:#fff}.ris-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}
.ris-hero{position:relative;overflow:hidden;background:var(--ris-navy);padding:58px 24px 0}.ris-hero::before{content:"";position:absolute;width:700px;height:700px;right:-170px;top:-180px;background:radial-gradient(circle,rgba(201,168,76,.11) 0%,transparent 66%);pointer-events:none}.ris-hero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:1px;background:linear-gradient(90deg,transparent,rgba(201,168,76,.38),transparent)}.ris-hero-grid{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1fr) 400px;gap:48px;align-items:center;position:relative;z-index:2}.ris-hero-badge{display:inline-flex;align-items:center;gap:8px;background:var(--ris-gold-soft);border:1px solid rgba(201,168,76,.32);color:var(--ris-gold-light);padding:7px 14px;border-radius:5px;font-size:11px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin-bottom:17px}.ris-dot{width:7px;height:7px;border-radius:50%;background:var(--ris-gold);flex-shrink:0}.ris-hero h1{font-family:'Playfair Display',Georgia,serif;font-size:clamp(31px,3.6vw,48px);line-height:1.08;color:#fff;margin:0 0 17px;max-width:800px}.ris-hero h1 em{display:block;font-style:normal;color:var(--ris-gold-light);font-size:.78em;line-height:1.2;margin-top:8px}.ris-hero-intro{font-size:16px;color:rgba(241,245,249,.97);line-height:1.72;margin:0 0 15px;max-width:710px;font-weight:700;border-left:3px solid var(--ris-gold);padding-left:16px}.ris-hero-lead{font-size:15px;color:rgba(232,238,245,.86);line-height:1.75;margin:0 0 23px;max-width:700px}.ris-hero-checks{display:grid;grid-template-columns:1fr 1fr;gap:9px 16px;max-width:710px}.ris-hcheck{display:flex;gap:9px;color:rgba(238,243,248,.91);font-size:13px;line-height:1.47}.ris-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(--ris-gold-light);display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;margin-top:1px}.ris-hero-card{background:var(--ris-navy-mid);border:1px solid var(--ris-gold-border);border-radius:var(--ris-radius);overflow:hidden;box-shadow:0 24px 58px rgba(0,0,0,.15)}.ris-hero-card-head{padding:16px 20px;background:linear-gradient(135deg,var(--ris-gold),var(--ris-gold-light));color:var(--ris-navy);font-weight:900;font-size:14px}.ris-hero-card-head span{display:block;font-size:11.5px;color:rgba(15,35,64,.72);font-weight:700;margin-top:2px}.ris-hero-card-body{padding:18px 20px}.ris-hero-row{display:flex;justify-content:space-between;gap:14px;padding:10px 0;border-bottom:1px solid rgba(201,168,76,.10)}.ris-hero-row:last-child{border-bottom:0}.ris-hero-row span:first-child{color:#D9E1E9;font-size:13px;line-height:1.45}.ris-hero-row span:first-child small{display:block;color:#A4B0BC;font-size:11px;margin-top:2px}.ris-hero-row span:last-child{color:var(--ris-gold-light);font-size:12px;font-weight:900;white-space:nowrap;text-align:right}.ris-hero-card-cta{display:block;background:var(--ris-gold);color:var(--ris-navy);text-align:center;padding:13px 18px;font-size:13px;font-weight:900}.ris-hero-card-note{padding:11px 18px;color:#AAB6C1;font-size:11px;text-align:center}.ris-hero-trust{max-width:1180px;margin:42px auto 0;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(201,168,76,.15);position:relative;z-index:2}.ris-trust-item{padding:17px 15px;color:#D9E1E9;font-size:12.5px;text-align:center;border-right:1px solid rgba(201,168,76,.12)}.ris-trust-item:last-child{border-right:0}
.ris-notice{background:#fff;border-bottom:1px solid var(--ris-border)}.ris-notice-in{max-width:1180px;margin:0 auto;padding:19px 24px;display:grid;grid-template-columns:auto 1fr auto;gap:16px;align-items:center}.ris-notice-icon{width:34px;height:34px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:var(--ris-gold-soft);border:1px solid var(--ris-gold-border);color:#806712;font-weight:900}.ris-notice-text{font-size:13.5px;color:var(--ris-text);line-height:1.6}.ris-notice-text strong{color:var(--ris-navy)}.ris-toc{background:var(--ris-cream-dark);border-bottom:1px solid var(--ris-border)}.ris-toc-in{max-width:1180px;margin:0 auto;padding:12px 24px;display:flex;gap:7px;flex-wrap:wrap}.ris-toc a{padding:8px 11px;border-radius:999px;background:#fff;border:1px solid var(--ris-border);font-size:12px;color:var(--ris-text);font-weight:700}.ris-toc .ris-toc-cta{background:var(--ris-navy);color:#fff;border-color:var(--ris-navy)}
.ris-answer-box{background:#fff;border:1px solid var(--ris-border);border-radius:var(--ris-radius);padding:30px;box-shadow:var(--ris-shadow)}.ris-answer-box h2{font-family:'Playfair Display',Georgia,serif;font-size:clamp(25px,3vw,38px);margin:0 0 12px;line-height:1.15}.ris-answer-box>p{margin:0 0 24px;color:var(--ris-text);font-size:15.5px;max-width:850px}.ris-answer-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.ris-answer-grid>div{padding:16px;border-radius:12px;background:var(--ris-cream);border:1px solid var(--ris-border)}.ris-answer-grid strong{display:block;color:var(--ris-navy);font-size:14px;margin-bottom:4px}.ris-answer-grid span{display:block;color:var(--ris-text);font-size:12.5px;line-height:1.55}.ris-card{background:#fff;border:1px solid var(--ris-border);border-radius:var(--ris-radius);padding:24px;box-shadow:var(--ris-shadow)}.ris-card-label{display:inline-block;font-size:11px;font-weight:900;color:#806712;letter-spacing:.08em;text-transform:uppercase;margin-bottom:9px}.ris-card h3{font-family:'Playfair Display',Georgia,serif;font-size:22px;line-height:1.2;margin:0 0 10px;color:var(--ris-navy)}.ris-card p{margin:0;color:var(--ris-text);font-size:14px;line-height:1.7}.ris-list{margin:15px 0 0;padding:0;list-style:none}.ris-list li{position:relative;padding:7px 0 7px 23px;color:var(--ris-text);font-size:13.5px;line-height:1.58;border-top:1px solid var(--ris-border)}.ris-list li:first-child{border-top:0}.ris-list li::before{content:"✓";position:absolute;left:0;top:7px;color:#806712;font-weight:900}.ris-dark-grid article{padding:22px;border:1px solid rgba(201,168,76,.16);border-radius:14px;background:rgba(255,255,255,.055)}.ris-dark-grid h3{margin:0 0 8px;color:#fff;font-size:16px}.ris-dark-grid p{margin:0;color:#CDD7E2;font-size:13.5px;line-height:1.68}.ris-table-wrap{overflow-x:auto;border-radius:14px;border:1px solid var(--ris-border);box-shadow:var(--ris-shadow)}.ris-table{width:100%;border-collapse:collapse;background:#fff;min-width:760px}.ris-table th,.ris-table td{padding:15px 16px;border-bottom:1px solid var(--ris-border);vertical-align:top;text-align:left}.ris-table th{background:var(--ris-navy);color:#fff;font-size:12px}.ris-table td{color:var(--ris-text);font-size:13px;line-height:1.55}.ris-table tr:last-child td{border-bottom:0}.ris-table td:first-child{font-weight:800;color:var(--ris-navy)}.ris-alert{margin-top:22px;border-left:4px solid var(--ris-gold);padding:17px 20px;background:var(--ris-gold-soft);border-radius:0 12px 12px 0}.ris-alert strong{display:block;color:var(--ris-navy);font-size:14px;margin-bottom:4px}.ris-alert p{margin:0;color:var(--ris-text);font-size:13.5px;line-height:1.65}
.ris-steps{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}.ris-step{background:#fff;border:1px solid var(--ris-border);border-radius:14px;padding:20px}.ris-step-num{font-size:11px;font-weight:900;color:#806712;letter-spacing:.08em}.ris-step h3{font-size:15px;margin:8px 0 7px}.ris-step p{margin:0;color:var(--ris-text);font-size:12.5px;line-height:1.58}.ris-risk-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.ris-risk{padding:20px;border-radius:14px;background:#fff;border:1px solid var(--ris-border)}.ris-risk strong{display:block;color:var(--ris-navy);font-size:14px;margin-bottom:5px}.ris-risk p{margin:0;color:var(--ris-text);font-size:13px;line-height:1.6}.ris-fit-card{padding:24px;border-radius:16px;background:#fff;border:1px solid var(--ris-border)}.ris-fit-card.alt{background:var(--ris-navy);border-color:var(--ris-navy)}.ris-fit-card h3{margin:0 0 10px;font-family:'Playfair Display',Georgia,serif;font-size:22px}.ris-fit-card.alt h3{color:#fff}.ris-fit-card.alt .ris-list li{color:#D9E1E9;border-color:rgba(255,255,255,.08)}.ris-related-card{padding:24px;border-radius:16px;background:var(--ris-cream);border:1px solid var(--ris-border)}.ris-related-card h3{font-family:'Playfair Display',Georgia,serif;font-size:21px;margin:0 0 8px}.ris-related-card p{margin:0 0 14px;color:var(--ris-text);font-size:13.5px;line-height:1.65}.ris-related-card a{font-weight:900;color:#735D18}.ris-faq{display:grid;gap:10px;max-width:930px}.ris-faq details{background:#fff;border:1px solid var(--ris-border);border-radius:12px;padding:0 18px}.ris-faq summary{cursor:pointer;list-style:none;padding:17px 28px 17px 0;font-weight:800;color:var(--ris-navy);font-size:14px;position:relative}.ris-faq summary::-webkit-details-marker{display:none}.ris-faq summary::after{content:"+";position:absolute;right:0;top:13px;font-size:22px;color:#806712}.ris-faq details[open] summary::after{content:"−"}.ris-faq p{margin:0;padding:0 0 17px;color:var(--ris-text);font-size:13.5px;line-height:1.68}.ris-contact-section{background:var(--ris-cream);padding:70px 24px 95px}.ris-contact-wrap{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:.95fr 1.05fr;border-radius:18px;overflow:hidden;box-shadow:0 18px 50px rgba(15,35,64,.12);border-bottom:4px solid var(--ris-gold)}.ris-contact-left{background:var(--ris-navy);padding:38px}.ris-contact-left h2{font-family:'Playfair Display',Georgia,serif;font-size:clamp(27px,3vw,38px);line-height:1.15;color:#fff;margin:0 0 14px}.ris-contact-left h2 em{font-style:normal;color:var(--ris-gold-light)}.ris-contact-left>p{color:#D7E0E8;font-size:14px;line-height:1.7;margin:0 0 18px}.ris-contact-list{margin:0 0 22px;padding:0;list-style:none}.ris-contact-list li{position:relative;padding:7px 0 7px 24px;color:#E3EAF0;font-size:13px}.ris-contact-list li::before{content:"✓";position:absolute;left:0;color:var(--ris-gold-light);font-weight:900}.ris-direct{padding-top:17px;border-top:1px solid rgba(201,168,76,.18)}.ris-direct strong{display:block;color:#fff;font-size:13px;margin-bottom:8px}.ris-direct a{display:block;color:var(--ris-gold-light);font-weight:800;font-size:13px;margin:5px 0}.ris-direct small{display:block;color:#AAB6C1;font-size:11px;margin-top:9px}.ris-contact-right{background:#fff;padding:36px}.ris-contact-right>p{margin:0 0 18px;color:var(--ris-text);font-size:14px;line-height:1.65}.ris-form-placeholder{padding:18px;border:1px dashed rgba(15,35,64,.20);border-radius:12px;background:var(--ris-cream);font-size:13px;color:var(--ris-text)}
@media(max-width:980px){.ris-hero-card{max-width:650px}.ris-hero-trust{grid-template-columns:1fr 1fr}.ris-trust-item:nth-child(2){border-right:0}.ris-steps{grid-template-columns:1fr 1fr}.ris-contact-wrap{grid-template-columns:1fr}.ris-notice-in{grid-template-columns:auto 1fr}.ris-notice-in .ris-btn{grid-column:1/-1;justify-self:start}}
@media(max-width:680px){.ris-wrap{padding:0 18px}.ris-section{padding:52px 18px}.ris-hero{padding:42px 18px 0}.ris-hero-grid{gap:30px}.ris-hero h1{font-size:clamp(30px,10vw,42px)}.ris-hero-trust{grid-template-columns:1fr}.ris-trust-item{border-right:0;border-bottom:1px solid rgba(201,168,76,.12)}.ris-toc-in{overflow-x:auto;flex-wrap:nowrap;padding-bottom:13px}.ris-toc a{white-space:nowrap}.ris-answer-box{padding:22px}.ris-contact-left,.ris-contact-right{padding:26px 22px}.ris-sticky span{display:none}.ris-sticky{justify-content:flex-start}.ris-table-wrap{overflow:visible;border:0;box-shadow:none}.ris-table{min-width:0;background:transparent}.ris-table thead{display:none}.ris-table,.ris-table tbody,.ris-table tr,.ris-table td{display:block;width:100%}.ris-table tr{background:#fff;border:1px solid var(--ris-border);border-radius:12px;margin-bottom:12px;overflow:hidden}.ris-table td{border:0;border-bottom:1px solid var(--ris-border);padding:10px 12px 10px 43%;position:relative;min-height:42px}.ris-table td:last-child{border-bottom:0}.ris-table td::before{content:attr(data-label);position:absolute;left:12px;top:10px;width:36%;font-weight:800;color:var(--ris-navy);font-size:11.5px;line-height:1.4}}