/* Layout: header, sections, components, footer, consent card */

/* Header / masthead */
.rtHeader { background: var(--rtParch); border-bottom: 3px double var(--rtInk); }
.rtTopline { display: flex; justify-content: space-between; gap: 1rem; padding-top: .4rem; padding-bottom: .4rem; font-size: .78rem; letter-spacing: .06em; text-transform: uppercase; color: var(--rtMute); border-bottom: 1px solid var(--rtLine); }
.rtTopline span + span { display: none; }
.rtMasthead { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 0 1rem; padding-top: .7rem; padding-bottom: .7rem; }
.rtBrand { display: inline-flex; align-items: center; gap: .65rem; color: var(--rtNavy); text-decoration: none; }
.rtBrand:hover { color: var(--rtNavy); }
.rtBrand:hover .rtBrandName { text-decoration: underline; text-decoration-color: var(--rtBrass); text-decoration-thickness: 2px; text-underline-offset: 5px; }
.rtBrandMark { width: 2.4rem; height: 2.4rem; flex: none; }
.rtBrandName { font-family: var(--rtSerif); font-weight: 700; font-size: 1.6rem; letter-spacing: .01em; }
.rtNavToggle { display: inline-flex; align-items: center; gap: .45rem; min-height: 2.75rem; padding: .4rem .9rem; border: 1px solid var(--rtNavy); background: transparent; color: var(--rtNavy); font: 600 .95rem var(--rtSans); cursor: pointer; }
.rtNavToggle:hover { background: var(--rtNavy); color: var(--rtParch); }
.rtNav { display: none; flex-basis: 100%; margin-top: .7rem; border-top: 1px solid var(--rtInk); }
.rtNav.rtIsOpen { display: block; }
.rtNavList { list-style: none; margin: 0; padding: .3rem 0 .4rem; }
.rtNavList li { margin: 0; border-bottom: 1px solid var(--rtLine); }
.rtNavList li:last-child { border-bottom: 0; padding-top: .8rem; }
.rtNavLink { display: block; white-space: nowrap; padding: .75rem 0; color: var(--rtInk); font-weight: 600; text-decoration: none; }
.rtNavLink:hover, .rtNavLink:focus-visible { color: var(--rtBrassInk); text-decoration: underline; text-decoration-color: var(--rtBrass); text-decoration-thickness: 2px; text-underline-offset: 6px; }
.rtNavLink[aria-current="page"] { color: var(--rtNavy); box-shadow: inset 3px 0 0 var(--rtBrass); padding-left: .7rem; }
.rtNav .rtCta { width: 100%; }
.rtNav .rtCta:hover, .rtNav .rtCta:focus-visible { background: var(--rtBrassInk); border-color: var(--rtBrassInk); color: #fff; text-decoration: none; }

@media (min-width: 1200px) {
  .rtTopline span + span { display: inline; }
  .rtMasthead { flex-wrap: nowrap; padding-top: .8rem; padding-bottom: .8rem; }
  .rtBrandMark { width: 2.7rem; height: 2.7rem; }
  .rtBrandName { font-size: 1.95rem; }
  .rtNavToggle { display: none; }
  .rtNav, .rtNav.rtIsOpen { display: block; flex-basis: auto; margin: 0; border: 0; }
  .rtNavList { display: flex; align-items: center; gap: 1.5rem; padding: 0; }
  .rtNavList li, .rtNavList li:last-child { border: 0; padding: 0; }
  .rtNavLink { padding: .5rem 0; }
  .rtNavLink[aria-current="page"] { box-shadow: inset 0 -2px 0 var(--rtBrass); padding-left: 0; }
  .rtNav .rtCta { width: auto; min-height: 2.5rem; padding: .45rem 1.1rem; }
}

/* Generic sections */
.rtSection { padding: 3rem 0; border-bottom: 1px solid var(--rtInk); }
.rtSection:last-child { border-bottom: 0; }
@media (min-width: 960px) { .rtSection { padding: 4.5rem 0; } }
.rtSectionPaper { background: var(--rtPaper); }
.rtSectionHead { display: grid; gap: .3rem; margin-bottom: 2rem; padding-bottom: 1rem; border-bottom: 3px double var(--rtInk); }
.rtSectionHead h2 { margin: 0; }
.rtSectionHead p { margin: .4rem 0 0; max-width: 46rem; color: var(--rtMute); font-size: 1.08rem; }
@media (min-width: 960px) {
  .rtSectionHead { grid-template-columns: 9rem 1fr; align-items: end; column-gap: 2rem; }
  .rtSectionHead .rtKicker { grid-row: span 2; align-self: start; margin-top: .55rem; border-top: 3px solid var(--rtNavy); padding-top: .5rem; }
}

.rtColumns { max-width: 100%; }
@media (min-width: 760px) { .rtColumns { column-count: 2; column-gap: 2.5rem; column-rule: 1px solid var(--rtLine); } }
@media (min-width: 1100px) { .rtColumns3 { column-count: 3; } }
.rtColumns p { break-inside: avoid-column; }

.rtGrid2 { display: grid; grid-template-columns: minmax(0, 1fr); gap: 2rem; }
@media (min-width: 900px) { .rtGrid2 { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 3rem; } .rtGrid2Wide { grid-template-columns: minmax(0, 1.3fr) minmax(0, 1fr); } }
.rtGrid3 { display: grid; grid-template-columns: minmax(0, 1fr); gap: 1.5rem; }
@media (min-width: 760px) { .rtGrid3 { grid-template-columns: repeat(3, 1fr); } }

.rtCol + .rtCol { border-top: 1px solid var(--rtLine); padding-top: 1.5rem; }

/* Hero */
.rtHero { padding: 2rem 0 3rem; border-bottom: 1px solid var(--rtInk); }
.rtHeroHead { text-align: left; padding-bottom: 1.4rem; border-bottom: 1px solid var(--rtInk); margin-bottom: 1.6rem; }
.rtHeroHead h1 { max-width: 22ch; margin-bottom: .45em; }
.rtDek { font-family: var(--rtSerif); font-size: clamp(1.02rem, .95rem + .4vw, 1.25rem); line-height: 1.55; color: var(--rtInk); max-width: 44rem; margin: 0; }
.rtHeroGrid { display: grid; grid-template-columns: minmax(0, 1fr); gap: 1.6rem; }
.rtLead::first-letter { float: left; font-family: var(--rtSerif); font-weight: 700; font-size: 3.6em; line-height: .82; padding: .3rem .5rem 0 0; color: var(--rtNavy); }
.rtByline { font-size: .85rem; letter-spacing: .06em; text-transform: uppercase; color: var(--rtMute); border-top: 1px solid var(--rtLine); padding-top: .6rem; }
@media (min-width: 960px) {
  .rtHero { padding: 3rem 0 4rem; }
  .rtHeroHead { text-align: center; }
  .rtHeroHead h1, .rtHeroHead .rtDek { margin-left: auto; margin-right: auto; }
  .rtHeroGrid { grid-template-columns: minmax(0, 1fr) minmax(0, 1.55fr) minmax(0, 1fr); gap: 0; }
  .rtHeroGrid > .rtCol { padding: 0 1.6rem; }
  .rtHeroGrid > .rtCol:first-child { padding-left: 0; }
  .rtHeroGrid > .rtCol:last-child { padding-right: 0; }
  .rtHeroGrid > .rtCol + .rtCol { border-top: 0; border-left: 1px solid var(--rtInk); padding-top: 0; }
}

.rtFigure { margin: 0; min-width: 0; background: var(--rtPaper); border: 1px solid var(--rtInk); padding: .55rem; }
.rtFigure img { width: 100%; border: 1px solid var(--rtLine); }
.rtCaption { font-size: .86rem; line-height: 1.45; color: var(--rtMute); padding: .6rem .15rem .15rem; }
.rtCaption b { color: var(--rtNavy); font-weight: 600; letter-spacing: .05em; text-transform: uppercase; font-size: .78rem; margin-right: .3rem; }

.rtIndexList { list-style: none; padding: 0; margin: 0 0 1.4rem; counter-reset: rtIdx; }
.rtIndexList li { counter-increment: rtIdx; display: grid; grid-template-columns: 2rem 1fr; padding: .55rem 0; border-bottom: 1px solid var(--rtLine); margin: 0; }
.rtIndexList li::before { content: counter(rtIdx, upper-roman) "."; font-family: var(--rtSerif); color: var(--rtBrassInk); font-size: .9rem; padding-top: .1rem; }
.rtIndexList a { text-decoration: none; color: var(--rtInk); font-weight: 600; }
.rtIndexList a:hover { color: var(--rtBrassInk); text-decoration: underline; }
.rtBox { border: 1px solid var(--rtNavy); padding: 1.1rem; background: var(--rtPaper); }
.rtBox h2, .rtBox h3 { font-size: 1.15rem; }
.rtBox .rtCta { width: 100%; margin-top: .4rem; }
.rtMeta { list-style: none; padding: 0; margin: 0 0 .8rem; font-size: .95rem; }
.rtMeta li { display: flex; gap: .55rem; align-items: center; margin-bottom: .4rem; }
.rtMeta .rtIcon { color: var(--rtBrassInk); }

/* Key facts */
.rtFacts { list-style: none; padding: 0; margin: 2rem 0 0; display: grid; gap: 0; border-top: 1px solid var(--rtInk); }
.rtFacts li { display: grid; grid-template-columns: 2.6rem 1fr; gap: .8rem; padding: 1rem 0; border-bottom: 1px solid var(--rtLine); margin: 0; }
.rtFacts .rtIcon { width: 2.2rem; height: 2.2rem; color: var(--rtNavy); }
.rtFacts strong { display: block; font-family: var(--rtSerif); color: var(--rtNavy); }
@media (min-width: 760px) { .rtFacts { grid-template-columns: repeat(2, 1fr); column-gap: 2.5rem; } }
@media (min-width: 1100px) { .rtFacts { grid-template-columns: repeat(4, 1fr); } .rtFacts li { grid-template-columns: 1fr; } }

/* Diagram */
.rtScroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.rtDiagram { min-width: 540px; width: 100%; height: auto; display: block; font-family: var(--rtSans); }
.rtDiagram .dAxis { stroke: var(--rtInk); stroke-width: 2; stroke-linecap: square; fill: none; }
.rtDiagram .dTick { stroke: var(--rtInk); stroke-width: 1.5; }
.rtDiagram .dGrid { stroke: var(--rtLine); stroke-width: 1; stroke-dasharray: 4 5; }
.rtDiagram .dCoupon { fill: var(--rtBrass); stroke: var(--rtBrassInk); stroke-width: 1.5; }
.rtDiagram .dPrincipal { fill: var(--rtNavy); }
.rtDiagram .dOut { fill: none; stroke: var(--rtNavy); stroke-width: 2; stroke-dasharray: 6 4; }
.rtDiagram text { fill: var(--rtInk); font-size: 17px; }
.rtDiagram .dSmall { font-size: 15px; fill: var(--rtMute); }
.rtDiagram .dStrong { font-weight: 600; fill: var(--rtNavy); }
.rtFlowList { list-style: none; padding: 0; margin: 1.4rem 0 0; }
.rtFlowList li { display: grid; grid-template-columns: 1.4rem 1fr; gap: .7rem; margin-bottom: .7rem; }
.rtSwatch { width: 1.1rem; height: 1.1rem; margin-top: .3rem; border: 1.5px solid var(--rtNavy); }
.rtSwatchCoupon { background: var(--rtBrass); border-color: var(--rtBrassInk); }
.rtSwatchPrincipal { background: var(--rtNavy); }
.rtSwatchOut { border-style: dashed; }

/* Tables */
.rtTable { width: 100%; min-width: 620px; border-collapse: collapse; background: var(--rtPaper); font-size: .97rem; }
.rtTable caption { text-align: left; caption-side: bottom; font-size: .86rem; color: var(--rtMute); padding-top: .6rem; }
.rtTable th, .rtTable td { text-align: left; vertical-align: top; padding: .75rem .9rem; border-bottom: 1px solid var(--rtLine); }
.rtTable thead th { font-family: var(--rtSerif); color: var(--rtParch); background: var(--rtNavy); font-weight: 700; }
.rtTable tbody th { color: var(--rtNavy); font-weight: 600; width: 22%; }
.rtTable tbody tr:last-child th, .rtTable tbody tr:last-child td { border-bottom: 2px solid var(--rtInk); }
.rtNum td, .rtNum th { text-align: right; font-variant-numeric: tabular-nums; }
.rtNum td:first-child, .rtNum th:first-child { text-align: left; }
.rtTable .rtRowBase td, .rtTable .rtRowBase th { background: #ebe4d3; font-weight: 600; }
.rtTableSmall { min-width: 0; }

/* Example callout */
.rtExample { border: 1px solid var(--rtInk); border-top: 4px solid var(--rtNavy); background: var(--rtPaper); padding: 1.2rem; margin: 1.5rem 0; }
.rtExample > .rtKicker { display: inline-block; background: var(--rtNavy); color: var(--rtParch); padding: .2rem .55rem; letter-spacing: .1em; }
.rtExample p:last-child { margin-bottom: 0; }

/* Risk cards */
.rtRiskList { display: grid; gap: 0; border-top: 1px solid var(--rtInk); }
.rtRiskList article { padding: 1.3rem 0; border-bottom: 1px solid var(--rtLine); }
.rtRiskList h3 { display: flex; align-items: center; gap: .6rem; }
.rtRiskList .rtIcon { color: var(--rtBrassInk); width: 1.8rem; height: 1.8rem; }
.rtRiskList p { margin: 0; }
@media (min-width: 760px) {
  .rtRiskList { grid-template-columns: repeat(2, 1fr); column-gap: 2.5rem; }
}
@media (min-width: 1100px) {
  .rtRiskList { grid-template-columns: repeat(3, 1fr); }
}
.rtScale { list-style: none; padding: 0; margin: 1rem 0; display: grid; grid-template-columns: repeat(2, 1fr); border: 1px solid var(--rtInk); }
.rtScale li { margin: 0; padding: .8rem; font-size: .95rem; }
.rtScale li:first-child { background: var(--rtNavy); color: var(--rtParch); }
.rtScale li:last-child { background: #e7dfcc; }
.rtScale strong { display: block; font-family: var(--rtSerif); font-size: 1.05rem; }

/* Steps */
.rtSteps { list-style: none; padding: 0; margin: 0; counter-reset: rtStep; }
.rtSteps li { counter-increment: rtStep; position: relative; padding: 0 0 1.1rem 3.2rem; margin: 0 0 1.1rem; border-bottom: 1px solid var(--rtLine); }
.rtSteps li::before { content: counter(rtStep); position: absolute; left: 0; top: 0; width: 2.2rem; height: 2.2rem; display: grid; place-items: center; border: 1px solid var(--rtNavy); font-family: var(--rtSerif); font-weight: 700; color: var(--rtNavy); }
.rtSteps strong { display: block; color: var(--rtNavy); }

/* Glossary */
.rtGloss { margin: 0; display: grid; gap: 0; }
.rtGloss div { padding: 1rem 0; border-bottom: 1px solid var(--rtLine); break-inside: avoid; }
.rtGloss dt { font-family: var(--rtSerif); font-weight: 700; color: var(--rtNavy); margin-bottom: .25rem; }
.rtGloss dd { margin: 0; }
@media (min-width: 760px) { .rtGloss { display: block; column-count: 2; column-gap: 2.5rem; column-rule: 1px solid var(--rtLine); } }

/* FAQ */
.rtFaq { border-top: 1px solid var(--rtInk); }
.rtFaq details { border-bottom: 1px solid var(--rtLine); }
.rtFaq summary { display: flex; justify-content: space-between; align-items: center; gap: 1rem; padding: 1.05rem 0; cursor: pointer; list-style: none; font-family: var(--rtSerif); font-weight: 700; color: var(--rtNavy); }
.rtFaq summary::-webkit-details-marker { display: none; }
.rtFaq summary:hover { color: var(--rtBrassInk); }
.rtFaq summary .rtIcon { transition: transform .2s; }
.rtFaq details[open] summary .rtIcon { transform: rotate(45deg); }
.rtFaq details > div { padding: 0 0 1.1rem; max-width: 52rem; }

/* Sessions */
.rtSessions { list-style: none; padding: 0; margin: 0 0 1.5rem; border-top: 1px solid var(--rtInk); }
.rtSessions li { display: grid; grid-template-columns: 4.2rem 1fr; gap: .8rem; padding: .9rem 0; border-bottom: 1px solid var(--rtLine); margin: 0; }
.rtSessions span { font-family: var(--rtSerif); color: var(--rtBrassInk); font-size: .9rem; }
.rtSessions strong { display: block; color: var(--rtNavy); }

/* Inner pages */
.rtPageHead { padding: 2.2rem 0 1.8rem; border-bottom: 3px double var(--rtInk); }
.rtPageHead h1 { margin-bottom: .3em; }
.rtPageHead p { max-width: 46rem; margin: 0; font-family: var(--rtSerif); }
.rtCrumbs { font-size: .88rem; color: var(--rtMute); margin-bottom: .9rem !important; font-family: var(--rtSans) !important; }
.rtProse { max-width: 50rem; }
.rtProse h2 { font-size: clamp(1.2rem, 1.05rem + .7vw, 1.55rem); margin-top: 2rem; padding-top: 1rem; border-top: 1px solid var(--rtLine); }
.rtProse h2:first-of-type { margin-top: 1rem; }
.rtDate { font-size: .9rem; color: var(--rtMute); }
.rtContactList { list-style: none; padding: 0; margin: 0 0 1.5rem; border-top: 1px solid var(--rtInk); }
.rtContactList li { display: grid; grid-template-columns: 2rem 1fr; gap: .7rem; padding: .9rem 0; border-bottom: 1px solid var(--rtLine); margin: 0; }
.rtContactList .rtIcon { color: var(--rtNavy); }
.rtContactList strong { display: block; color: var(--rtNavy); }
.rtCentered { text-align: center; max-width: 40rem; margin: 0 auto; }
.rtCentered .rtBtn { margin: .3rem; }
.rtRoleList { list-style: none; padding: 0; margin: 0; display: grid; gap: 0; border-top: 1px solid var(--rtInk); }
.rtRoleList li { padding: 1rem 0; border-bottom: 1px solid var(--rtLine); margin: 0; }
.rtRoleList strong { display: block; font-family: var(--rtSerif); color: var(--rtNavy); }
@media (min-width: 760px) { .rtRoleList { grid-template-columns: repeat(2, 1fr); column-gap: 2.5rem; } }

/* Footer */
.rtFoot { background: var(--rtNavyDeep); color: var(--rtOnDark); padding: 3rem 0 1.5rem; font-size: .96rem; }
.rtFoot a { color: var(--rtOnDark); text-decoration-color: var(--rtBrassSoft); }
.rtFoot a:hover, .rtFoot a:focus-visible { color: var(--rtBrassSoft); text-decoration-thickness: 2px; }
.rtFoot a:focus-visible, .rtFoot button:focus-visible { outline-color: var(--rtBrassSoft); }
.rtFootGrid { display: grid; gap: 2rem; padding-bottom: 2rem; border-bottom: 1px solid #3b4a66; }
@media (min-width: 760px) { .rtFootGrid { grid-template-columns: 1.6fr 1fr 1fr; } }
.rtFoot h2 { font-family: var(--rtSans); color: var(--rtBrassSoft); font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; margin-bottom: .9rem; }
.rtFoot .rtBrand, .rtFoot .rtBrand:hover { color: var(--rtParch); }
.rtFoot .rtBrandName { font-size: 1.5rem; }
.rtFootLinks { list-style: none; padding: 0; margin: 0; }
.rtFootLinks li { margin-bottom: .5rem; }
.rtFootBtn { background: none; border: 0; padding: 0; color: var(--rtOnDark); font: inherit; text-decoration: underline; text-decoration-color: var(--rtBrassSoft); text-underline-offset: 3px; cursor: pointer; }
.rtFootBtn:hover { color: var(--rtBrassSoft); text-decoration-thickness: 2px; }
.rtFootContact { list-style: none; padding: 0; margin: 1rem 0 0; }
.rtFootContact li { display: flex; gap: .6rem; align-items: flex-start; margin-bottom: .5rem; }
.rtFootContact .rtIcon { color: var(--rtBrassSoft); margin-top: .1rem; }
.rtRisk { margin: 1.5rem 0; padding: 1rem 1.1rem; border: 1px solid #4a5874; border-left: 4px solid var(--rtBrassSoft); font-size: .9rem; line-height: 1.55; }
.rtRisk p { margin: 0; }
.rtFootBase { display: flex; flex-wrap: wrap; gap: .4rem 1.5rem; justify-content: space-between; font-size: .86rem; color: #c4c9d4; }

/* Consent card */
.rtCookie { position: fixed; left: .75rem; right: .75rem; bottom: .75rem; z-index: 50; max-width: 27rem; max-height: calc(100vh - 1.5rem); overflow-y: auto; background: var(--rtPaper); color: var(--rtInk); border: 1px solid var(--rtInk); box-shadow: 6px 6px 0 var(--rtNavy); padding: 1.1rem 1.2rem; font-size: .93rem; }
.rtCookie[hidden] { display: none; }
@media (min-width: 600px) { .rtCookie { left: 1.25rem; bottom: 1.25rem; right: auto; } }
.rtCookie h2 { font-size: 1.05rem; display: flex; align-items: center; gap: .5rem; margin-bottom: .5rem; }
.rtCookieBtns { display: grid; grid-template-columns: repeat(3, 1fr); gap: .5rem; margin-top: .8rem; }
.rtCookieBtns .rtBtn { padding: .5rem .4rem; font-size: .93rem; }
.rtCookiePanel { margin-top: 1rem; border-top: 1px solid var(--rtLine); padding-top: .8rem; }
.rtCookiePanel[hidden] { display: none; }
.rtCookieCat { display: flex; justify-content: space-between; gap: 1rem; align-items: flex-start; padding: .55rem 0; border-bottom: 1px solid var(--rtLine); }
.rtCookieCat strong { display: block; color: var(--rtNavy); }
.rtCookieCat input { width: 1.2rem; height: 1.2rem; margin-top: .2rem; flex: none; accent-color: var(--rtNavy); }
.rtCookiePanel .rtBtn { width: 100%; margin-top: .8rem; }
.rtGrid2 { align-items: start; }