:root {
      --navy: #102d4f;
      --blue: #1769a8;
      --cyan: #2bbfd0;
      --ink: #1e2b38;
      --muted: #607080;
      --line: #dce8ef;
      --soft: #f2f8fb;
      --white: #ffffff;
      --shadow: 0 18px 50px rgba(16, 45, 79, 0.10);
    }

    * { box-sizing: border-box; }

    html { scroll-behavior: smooth; }

    body {
      margin: 0;
      color: var(--ink);
      background: #f7fbfd;
      font-family: Inter, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
      line-height: 1.75;
    }

    a { color: var(--blue); }

    .rf-page {
      max-width: 1180px;
      margin: 0 auto;
      padding: 28px 20px 70px;
    }

    .rf-hero {
      position: relative;
      overflow: hidden;
      padding: clamp(42px, 7vw, 86px) clamp(24px, 6vw, 86px);
      border-radius: 28px;
      background:
        radial-gradient(circle at 92% 18%, rgba(43, 191, 208, 0.28), transparent 25%),
        linear-gradient(135deg, #0e2b4c 0%, #155a8e 62%, #248faa 100%);
      color: var(--white);
      box-shadow: var(--shadow);
    }

    .rf-hero::after {
      content: "";
      position: absolute;
      width: 330px;
      height: 330px;
      right: -110px;
      bottom: -150px;
      border: 1px solid rgba(255, 255, 255, 0.28);
      border-radius: 50%;
      box-shadow: 0 0 0 32px rgba(255, 255, 255, 0.05), 0 0 0 64px rgba(255, 255, 255, 0.04);
    }

    .rf-hero-content { position: relative; z-index: 1; max-width: 850px; }

    .rf-eyebrow {
      display: inline-flex;
      align-items: center;
      gap: 9px;
      margin-bottom: 18px;
      color: #c9f7fb;
      font-size: 0.78rem;
      font-weight: 800;
      letter-spacing: 0.13em;
      text-transform: uppercase;
    }

    .rf-eyebrow::before {
      content: "";
      width: 34px;
      height: 3px;
      border-radius: 99px;
      background: var(--cyan);
    }

    .rf-hero h1 {
      max-width: 850px;
      margin: 0;
      font-size: clamp(2rem, 4.8vw, 4.2rem);
      line-height: 1.08;
      letter-spacing: -0.04em;
    }

    .rf-hero p {
      max-width: 760px;
      margin: 24px 0 0;
      color: rgba(255, 255, 255, 0.86);
      font-size: clamp(1rem, 1.8vw, 1.22rem);
    }

    .rf-content {
      display: grid;
      grid-template-columns: minmax(0, 1fr) 300px;
      gap: 28px;
      margin-top: 28px;
    }

    .rf-article,
    .rf-sidebar-card {
      background: var(--white);
      border: 1px solid var(--line);
      border-radius: 22px;
      box-shadow: 0 10px 35px rgba(16, 45, 79, 0.05);
    }

    .rf-article { padding: clamp(24px, 5vw, 56px); }

    .rf-article h2 {
      margin: 2.1em 0 0.55em;
      color: var(--navy);
      font-size: clamp(1.45rem, 2.5vw, 2.05rem);
      line-height: 1.2;
      letter-spacing: -0.02em;
    }

    .rf-article h3 {
      margin: 1.6em 0 0.45em;
      color: var(--navy);
      font-size: 1.18rem;
      line-height: 1.35;
    }

    .rf-article h2:first-child { margin-top: 0; }

    .rf-article p { margin: 0 0 1.1em; }

    .rf-lead {
      padding: 20px 22px;
      margin-bottom: 28px;
      border-left: 4px solid var(--cyan);
      border-radius: 0 14px 14px 0;
      background: var(--soft);
      font-size: 1.07rem;
    }

    .rf-facts {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 12px;
      margin: 28px 0 36px;
    }

    .rf-fact {
      padding: 18px 14px;
      border: 1px solid var(--line);
      border-radius: 15px;
      background: #fbfdfe;
    }

    .rf-fact strong {
      display: block;
      margin-bottom: 4px;
      color: var(--blue);
      font-size: 1rem;
    }

    .rf-fact span { display: block; color: var(--muted); font-size: 0.88rem; line-height: 1.45; }

    .rf-steps {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 14px;
      margin: 22px 0 28px;
    }

    .rf-step {
      padding: 22px 18px;
      border-radius: 16px;
      background: linear-gradient(180deg, #f5fbfd 0%, #edf6fa 100%);
    }

    .rf-step-number {
      display: inline-grid;
      place-items: center;
      width: 32px;
      height: 32px;
      margin-bottom: 12px;
      border-radius: 50%;
      background: var(--blue);
      color: white;
      font-weight: 800;
    }

    .rf-step h3 { margin: 0 0 7px; font-size: 1rem; }
    .rf-step p { margin: 0; color: var(--muted); font-size: 0.93rem; line-height: 1.6; }

    .rf-table-wrap { overflow-x: auto; margin: 20px 0 28px; }

    .rf-table {
      width: 100%;
      min-width: 580px;
      border-collapse: collapse;
      font-size: 0.95rem;
    }

    .rf-table th,
    .rf-table td {
      padding: 14px 15px;
      border: 1px solid var(--line);
      text-align: left;
      vertical-align: top;
    }

    .rf-table th {
      background: var(--navy);
      color: var(--white);
      font-weight: 700;
    }

    .rf-table tr:nth-child(even) td { background: #f7fbfd; }

    .rf-list {
      padding-left: 1.25rem;
      margin: 12px 0 20px;
    }

    .rf-list li { margin: 8px 0; }

    .rf-note {
      padding: 18px 20px;
      border: 1px solid #b9e8ed;
      border-radius: 15px;
      background: #effbfd;
      color: #244c59;
    }

    .rf-cta {
      position: relative;
      overflow: hidden;
      margin-top: 40px;
      padding: 28px;
      border-radius: 20px;
      background: linear-gradient(135deg, #eafafd 0%, #f4f8ff 100%);
      border: 1px solid #c8e9ef;
    }

    .rf-cta h2 { margin-top: 0; }

    .rf-button {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      margin-top: 10px;
      padding: 12px 18px;
      border-radius: 10px;
      background: var(--blue);
      color: white;
      font-weight: 800;
      text-decoration: none;
      transition: background 0.2s ease, transform 0.2s ease;
    }

    .rf-button:hover { background: var(--navy); transform: translateY(-1px); }

    .rf-sidebar { display: grid; gap: 18px; align-content: start; }

    .rf-sidebar-card { padding: 24px; }

    .rf-sidebar-card h2 {
      margin: 0 0 14px;
      color: var(--navy);
      font-size: 1.1rem;
      line-height: 1.3;
    }

    .rf-sidebar-card ul { padding-left: 1.1rem; margin: 0; }
    .rf-sidebar-card li { margin: 9px 0; color: var(--muted); font-size: 0.93rem; }

    .rf-faq details {
      padding: 16px 0;
      border-bottom: 1px solid var(--line);
    }

    .rf-faq details:last-child { border-bottom: 0; }

    .rf-faq summary {
      cursor: pointer;
      color: var(--navy);
      font-weight: 800;
    }

    .rf-faq details p { margin: 12px 0 0; color: var(--muted); }

    .rf-footer {
      padding: 30px 10px 0;
      color: var(--muted);
      font-size: 0.88rem;
      text-align: center;
    }

    @media (max-width: 900px) {
      .rf-content { grid-template-columns: 1fr; }
      .rf-sidebar { grid-template-columns: repeat(2, 1fr); }
    }

    @media (max-width: 650px) {
      .rf-page { padding: 12px 12px 45px; }
      .rf-hero { border-radius: 20px; }
      .rf-facts,
      .rf-steps,
      .rf-sidebar { grid-template-columns: 1fr 1fr; }
      .rf-fact:last-child { grid-column: span 2; }
      .rf-sidebar-card:last-child { grid-column: span 2; }
    }

    @media (max-width: 460px) {
      .rf-facts,
      .rf-steps,
      .rf-sidebar { grid-template-columns: 1fr; }
      .rf-fact:last-child,
      .rf-sidebar-card:last-child { grid-column: auto; }
    }