.rfpay-page{
  --rfpay-navy:#0F2340;
  --rfpay-navy-2:#183456;
  --rfpay-navy-3:#213F66;
  --rfpay-gold:#C9A84C;
  --rfpay-gold-2:#E2C97A;
  --rfpay-cream:#F5F1EA;
  --rfpay-cream-2:#EEE8DE;
  --rfpay-white:#fff;
  --rfpay-text:#3D4F63;
  --rfpay-muted:#7B8794;
  --rfpay-border:rgba(15,35,64,.10);
  --rfpay-gold-border:rgba(201,168,76,.28);
  --rfpay-radius:18px;
  --rfpay-shadow:0 18px 48px rgba(15,35,64,.09);
  font-family:'DM Sans',sans-serif;
  background:var(--rfpay-cream);
  color:var(--rfpay-text);
  line-height:1.65;
  overflow:hidden;
}
.rfpay-page *{box-sizing:border-box}
.rfpay-page a{color:inherit;text-decoration:none}
.rfpay-wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.rfpay-section{padding:74px 0}
.rfpay-white{background:#fff}
.rfpay-cream{background:var(--rfpay-cream)}
.rfpay-cream-2{background:var(--rfpay-cream-2)}
.rfpay-navy{background:var(--rfpay-navy);color:#fff}
.rfpay-kicker{display:inline-flex;align-items:center;gap:8px;color:var(--rfpay-gold);font-size:11px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;margin-bottom:14px}
.rfpay-dot{width:7px;height:7px;border-radius:50%;background:var(--rfpay-gold);display:inline-block}
.rfpay-h2{font-family:'Playfair Display',serif!important;color:var(--rfpay-navy)!important;font-size:clamp(28px,3.3vw,42px)!important;line-height:1.12!important;margin:0 0 16px!important;font-weight:700!important}
.rfpay-h2 em{font-style:normal;color:var(--rfpay-gold)}
.rfpay-lead{font-size:16px;line-height:1.78;max-width:820px;margin:0;color:var(--rfpay-text)}
.rfpay-light .rfpay-h2{color:#fff!important}
.rfpay-light .rfpay-lead{color:rgba(232,238,245,.86)}
.rfpay-btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:14px 24px;border-radius:10px;font-size:15px;font-weight:800;text-decoration:none;transition:all .22s ease;cursor:pointer;border:0;font-family:'DM Sans',sans-serif}
.rfpay-btn-primary{background:var(--rfpay-gold);color:var(--rfpay-navy)!important}
.rfpay-btn-primary:hover{background:var(--rfpay-gold-2);transform:translateY(-2px);box-shadow:0 10px 26px rgba(201,168,76,.26)}
.rfpay-btn-outline{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.18);color:#fff!important}
.rfpay-btn-outline:hover{border-color:var(--rfpay-gold);color:var(--rfpay-gold)!important}

/* HERO */
.rfpay-hero{background:var(--rfpay-navy);color:#fff;position:relative;overflow:hidden;padding:58px 0 0}
.rfpay-hero:before{content:"";position:absolute;right:-180px;top:-220px;width:640px;height:640px;background:radial-gradient(circle,rgba(201,168,76,.13) 0%,transparent 66%);pointer-events:none}
.rfpay-hero:after{content:"";position:absolute;left:0;right:0;bottom:0;height:1px;background:linear-gradient(90deg,transparent,rgba(201,168,76,.35),transparent)}
.rfpay-hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,1fr) 390px;gap:46px;align-items:center}
.rfpay-hero h1.rfpay-title{font-family:'Playfair Display',serif!important;color:#fff!important;font-size:clamp(34px,4.2vw,56px)!important;line-height:1.08!important;font-weight:700!important;margin:0 0 18px!important;max-width:760px;text-transform:none!important;letter-spacing:0!important}
.rfpay-hero h1.rfpay-title span{display:block;color:var(--rfpay-gold);font-size:.78em;line-height:1.16;margin-top:8px;text-transform:none!important;letter-spacing:0!important}
.rfpay-hero-text{padding:8px 0 42px}
.rfpay-hero-intro{font-size:17px;line-height:1.8;color:rgba(232,238,245,.91);max-width:720px;margin:0 0 22px}
.rfpay-hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}
.rfpay-hero-checks{display:grid;grid-template-columns:1fr 1fr;gap:10px 14px;margin-top:24px;max-width:720px}
.rfpay-check{display:flex;gap:9px;align-items:flex-start;color:rgba(232,238,245,.88);font-size:13.5px;line-height:1.5}
.rfpay-check:before{content:"✓";width:19px;height:19px;min-width:19px;border-radius:50%;background:rgba(201,168,76,.13);border:1px solid rgba(201,168,76,.32);display:flex;align-items:center;justify-content:center;color:var(--rfpay-gold);font-size:10px;font-weight:900;margin-top:1px}
.rfpay-hero-card{background:var(--rfpay-navy-2);border:1px solid var(--rfpay-gold-border);border-radius:var(--rfpay-radius);overflow:hidden;box-shadow:0 22px 60px rgba(0,0,0,.14)}
.rfpay-hero-card-head{background:linear-gradient(135deg,var(--rfpay-gold),var(--rfpay-gold-2));padding:16px 20px;color:var(--rfpay-navy);font-weight:900;font-size:15px}
.rfpay-hero-card-head small{display:block;margin-top:2px;color:rgba(15,35,64,.7);font-size:11.5px;font-weight:700}
.rfpay-hero-card-body{padding:18px 20px}
.rfpay-hero-row{display:flex;justify-content:space-between;gap:16px;padding:10px 0;border-bottom:1px solid rgba(201,168,76,.10)}
.rfpay-hero-row:last-child{border-bottom:0}
.rfpay-hero-row span:first-child{color:#D8E0EA;font-size:13px;line-height:1.4}
.rfpay-hero-row span:last-child{color:var(--rfpay-gold);font-size:13px;font-weight:900;white-space:nowrap;text-align:right}
.rfpay-hero-card-note{padding:11px 20px 16px;color:#9BADB8;font-size:11.5px;line-height:1.55;text-align:center}
.rfpay-trust{position:relative;z-index:2;margin-top:4px;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(201,168,76,.12)}
.rfpay-trust-item{padding:14px 16px;color:#9BADB8;font-size:12.5px;border-right:1px solid rgba(201,168,76,.07)}
.rfpay-trust-item:last-child{border-right:0}

/* TOC */
.rfpay-toc{background:#fff;border-bottom:1px solid var(--rfpay-border);overflow-x:auto;-webkit-overflow-scrolling:touch}
.rfpay-toc-inner{max-width:1180px;margin:0 auto;padding:0 24px;display:flex;white-space:nowrap}
.rfpay-toc a{display:inline-block;padding:12px 13px;font-size:12px;font-weight:800;color:var(--rfpay-muted);border-bottom:2px solid transparent;text-decoration:none}
.rfpay-toc a:hover,.rfpay-toc a.rfpay-toc-cta{color:var(--rfpay-navy);background:rgba(201,168,76,.11);border-color:var(--rfpay-gold)}

/* CALCULATOR */
.rfpay-calc-grid{display:grid;grid-template-columns:minmax(0,1fr) 390px;gap:24px;align-items:start;margin-top:30px}
.rfpay-calc-box{background:#fff;border:1px solid var(--rfpay-border);border-radius:24px;padding:28px;box-shadow:var(--rfpay-shadow)}
.rfpay-form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.rfpay-field label{display:block;font-size:13.5px;font-weight:800;color:var(--rfpay-navy);margin-bottom:7px;line-height:1.35}
.rfpay-field small{display:block;color:var(--rfpay-muted);font-size:11.5px;margin-top:4px;line-height:1.45}
.rfpay-field input,.rfpay-field select{width:100%;height:48px;border:1px solid rgba(15,35,64,.14);border-radius:11px;padding:0 13px;background:#fff;color:var(--rfpay-navy);font-size:15px;font-family:'DM Sans',sans-serif;outline:none}
.rfpay-field input:focus,.rfpay-field select:focus{border-color:var(--rfpay-gold);box-shadow:0 0 0 3px rgba(201,168,76,.14)}
.rfpay-actions{display:flex;gap:12px;align-items:center;flex-wrap:wrap;margin-top:22px}
.rfpay-mini-note{font-size:12.5px;color:var(--rfpay-muted);line-height:1.6;margin-top:16px}
.rfpay-result-panel{background:linear-gradient(145deg,var(--rfpay-navy),var(--rfpay-navy-2));border:1px solid rgba(201,168,76,.22);border-radius:24px;padding:24px;color:#fff;box-shadow:0 18px 48px rgba(15,35,64,.18);position:sticky;top:24px}
.rfpay-result-panel h3{font-size:22px;line-height:1.22;color:#fff;margin:0 0 6px;font-weight:900}
.rfpay-result-panel p{color:rgba(232,238,245,.78);font-size:13px;line-height:1.6;margin:0 0 18px}
.rfpay-result-list{display:grid;gap:10px}
.rfpay-result-item{display:flex;justify-content:space-between;gap:14px;align-items:flex-start;background:rgba(255,255,255,.055);border:1px solid rgba(255,255,255,.07);border-radius:13px;padding:12px 13px}
.rfpay-result-item span:first-child{color:#D8E0EA;font-size:13px;line-height:1.35}
.rfpay-result-item span:last-child{color:#fff;font-size:14px;font-weight:900;text-align:right;white-space:nowrap}
.rfpay-result-item.rfpay-total{background:rgba(201,168,76,.16);border-color:rgba(201,168,76,.35)}
.rfpay-result-item.rfpay-total span:first-child{color:#fff;font-weight:900}
.rfpay-result-item.rfpay-total span:last-child{color:var(--rfpay-gold-2);font-size:17px}
.rfpay-result-disclaimer{margin-top:16px;padding:14px;border-radius:14px;background:rgba(201,168,76,.10);border:1px solid rgba(201,168,76,.25);color:rgba(232,238,245,.88);font-size:12.5px;line-height:1.62}
.rfpay-mobile-result-link{display:none;margin-top:14px;color:var(--rfpay-gold);font-size:13px;font-weight:900}

/* CARDS */
.rfpay-note{background:rgba(201,168,76,.10);border-left:4px solid var(--rfpay-gold);border-radius:0 16px 16px 0;padding:17px 20px;font-size:14px;line-height:1.72;color:var(--rfpay-text);margin:22px 0}
.rfpay-note strong{color:var(--rfpay-navy)}
.rfpay-grid-2{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:28px}
.rfpay-grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:28px}
.rfpay-grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:28px}
.rfpay-card{background:#fff;border:1px solid var(--rfpay-border);border-radius:var(--rfpay-radius);padding:22px;box-shadow:0 2px 14px rgba(15,35,64,.045)}
.rfpay-card h3{font-size:18px;line-height:1.3;color:var(--rfpay-navy);margin:0 0 9px;font-weight:900}
.rfpay-card p{font-size:14px;line-height:1.7;color:var(--rfpay-text);margin:0}
.rfpay-card a{display:inline-block;margin-top:12px;color:var(--rfpay-gold);font-weight:900;text-decoration:none}
.rfpay-card.dark{background:var(--rfpay-navy-2);border-color:rgba(201,168,76,.22)}
.rfpay-card.dark h3{color:#fff}
.rfpay-card.dark p{color:rgba(232,238,245,.82)}
.rfpay-pill-list{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px}
.rfpay-pill{display:inline-flex;background:#fff;border:1px solid var(--rfpay-border);border-radius:999px;padding:8px 13px;color:var(--rfpay-text);font-size:13px;font-weight:700}
.rfpay-example strong{display:block;color:var(--rfpay-navy);font-size:13px;margin-bottom:5px}
.rfpay-example .num{font-family:'Playfair Display',serif;color:var(--rfpay-gold);font-size:29px;font-weight:700;line-height:1;margin:10px 0}
.rfpay-list{display:grid;gap:10px;margin-top:20px}
.rfpay-list-item{display:flex;gap:10px;align-items:flex-start;font-size:14px;line-height:1.62;color:var(--rfpay-text)}
.rfpay-list-item:before{content:"•";color:var(--rfpay-gold);font-size:22px;line-height:1;margin-top:0}

/* FAQ */
.rfpay-faq{display:grid;gap:13px;margin-top:28px}
.rfpay-faq-item{background:#fff;border:1px solid var(--rfpay-border);border-radius:16px;overflow:hidden}
.rfpay-faq-q{width:100%;background:transparent;border:0;text-align:left;padding:18px 20px;color:var(--rfpay-navy);font-size:15px;font-weight:900;cursor:pointer;font-family:'DM Sans',sans-serif;display:flex;justify-content:space-between;gap:16px;align-items:center}
.rfpay-faq-q:after{content:"+";color:var(--rfpay-gold);font-size:22px;line-height:1}
.rfpay-faq-item.active .rfpay-faq-q:after{content:"−"}
.rfpay-faq-a{display:none;padding:0 20px 18px;color:var(--rfpay-text);font-size:14px;line-height:1.75}
.rfpay-faq-item.active .rfpay-faq-a{display:block}

/* CONTACT */
.rfpay-contact{background:var(--rfpay-cream);padding:76px 0}
.rfpay-contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:24px;align-items:stretch}
.rfpay-contact-left{background:linear-gradient(145deg,var(--rfpay-navy),var(--rfpay-navy-2));border-radius:24px;padding:32px;color:#fff;border:1px solid rgba(201,168,76,.22)}
.rfpay-contact-left h2{font-family:'Playfair Display',serif!important;color:#fff!important;font-size:clamp(28px,3vw,40px)!important;line-height:1.12!important;margin:0 0 14px!important}
.rfpay-contact-left h2 em{color:var(--rfpay-gold);font-style:normal}
.rfpay-contact-left p{color:rgba(232,238,245,.85);line-height:1.75;margin:0 0 18px}
.rfpay-contact-list{display:grid;gap:9px;margin:20px 0;padding:0;list-style:none}
.rfpay-contact-list li{display:flex;gap:9px;color:rgba(232,238,245,.9);font-size:13.5px;line-height:1.55}
.rfpay-contact-list li:before{content:"✓";color:var(--rfpay-gold);font-weight:900}
.rfpay-direct{margin-top:20px;padding-top:18px;border-top:1px solid rgba(201,168,76,.18);display:grid;gap:8px}
.rfpay-direct strong{color:#fff}
.rfpay-direct a{color:var(--rfpay-gold);font-weight:900;text-decoration:none}
.rfpay-direct small{color:#9BADB8;line-height:1.5}
.rfpay-form-wrap{background:#fff;border:1px solid var(--rfpay-border);border-radius:24px;padding:30px;box-shadow:var(--rfpay-shadow);min-height:340px}

/* STICKY */
.rfpay-sticky{position:fixed;left:0;right:0;bottom:0;z-index:999;background:var(--rfpay-navy);border-top:2px solid var(--rfpay-gold);display:flex;align-items:center;justify-content:center;gap:14px;padding:11px 18px;box-shadow:0 -6px 24px rgba(0,0,0,.24);transform:translateY(110%);transition:.28s ease}
.rfpay-sticky.active{transform:translateY(0)}
.rfpay-sticky span{color:rgba(232,238,245,.9);font-size:13px}
.rfpay-sticky span strong{color:#fff}
.rfpay-sticky a{background:var(--rfpay-gold);color:var(--rfpay-navy)!important;padding:9px 18px;border-radius:8px;font-size:13px;font-weight:900;text-decoration:none}
.rfpay-sticky button{position:absolute;right:12px;top:50%;transform:translateY(-50%);background:transparent;border:0;color:#9BADB8;font-size:22px;cursor:pointer}

@media(max-width:1020px){
  .rfpay-hero-grid,.rfpay-calc-grid,.rfpay-contact-grid{grid-template-columns:1fr}
  .rfpay-result-panel{position:relative;top:auto}
  .rfpay-mobile-result-link{display:inline-block}
}
@media(max-width:760px){
  .rfpay-wrap{padding:0 18px}
  .rfpay-section{padding:58px 0}
  .rfpay-hero{padding:48px 0 0}
  .rfpay-hero h1.rfpay-title{font-size:clamp(32px,10vw,42px)!important}
  .rfpay-hero-card{margin-bottom:28px}
  
  .rfpay-trust-item{border-right:0;border-bottom:1px solid rgba(201,168,76,.07)}
  .rfpay-calc-box,.rfpay-result-panel,.rfpay-contact-left,.rfpay-form-wrap{padding:22px;border-radius:20px}
  .rfpay-sticky span{display:none}
}