:root{
  --navy:#0d2240; --navy-text:#16243d; --gold:#d99a2b;
  --gold-deep:#9a6510; --gold-link:#b5731a;
  --chip-fill:#fdf3e0; --chip-border:#e6b864;
  --page:#eef1f6; --body:#3a4656; --muted:#5b6b7a; --faint:#8694a3;
  --card-border:#e3e8ee; --white:#fff;
  --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--page);color:var(--body);font-family:var(--sans);line-height:1.7;-webkit-font-smoothing:antialiased}
a{color:var(--gold-link);text-decoration:none}
a:hover{text-decoration:underline}
:focus-visible{outline:2px solid var(--gold);outline-offset:2px;border-radius:3px}

.rc-header{background:var(--navy);border-bottom:3px solid var(--gold)}
.rc-header-inner{max-width:1080px;margin:0 auto;padding:14px 22px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.rc-brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.rc-brand:hover{text-decoration:none}
.rc-mark{color:var(--gold);font-size:19px;font-weight:700;letter-spacing:.02em}
.rc-rule{width:1px;height:26px;background:#33445f}
.rc-word{color:#fff;font-size:15px;font-weight:700;line-height:1.1}
.rc-sub{color:#9fb0c6;font-size:9px;letter-spacing:.13em}
.rc-nav{display:flex;align-items:center;gap:20px}
.rc-nav a{color:#cdd7e4;font-size:14px}
.rc-nav a.active{color:#fff;border-bottom:2px solid var(--gold);padding-bottom:3px}
.rc-login{color:#cdd7e4 !important;border:1px solid #3a4d6b;border-radius:8px;padding:6px 14px}
.rc-login:hover{text-decoration:none;background:#15294a}

.rc-wrap{max-width:1080px;margin:0 auto;padding:34px 22px 60px}
.rc-eyebrow{font-size:12px;color:var(--gold-link);letter-spacing:.08em;font-weight:500;text-transform:uppercase;margin:0 0 10px}
.rc-h1{font-size:34px;font-weight:700;color:var(--navy-text);line-height:1.14;margin:0 0 12px;letter-spacing:-.01em}
.rc-lede{font-size:16px;color:var(--muted);max-width:560px;margin:0 0 26px}

.rc-chips{display:flex;gap:9px;flex-wrap:wrap;margin:0 0 26px;padding:0;list-style:none}
.rc-chip{font-size:13px;padding:6px 15px;border-radius:22px;border:1px solid #cfd6df;color:#46566a;background:#fff;cursor:pointer}
.rc-chip.on{background:var(--chip-fill);border-color:var(--chip-border);color:var(--gold-deep)}

.rc-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:18px}
.rc-card{background:#fff;border:1px solid var(--card-border);border-radius:12px;padding:18px 20px;display:flex;flex-direction:column;transition:transform .12s ease,box-shadow .12s ease}
.rc-card:hover{transform:translateY(-2px);box-shadow:0 6px 20px rgba(13,34,64,.07);text-decoration:none}
.rc-tag{align-self:flex-start;background:var(--chip-fill);color:var(--gold-deep);font-size:12px;padding:3px 11px;border-radius:20px}
.rc-card-title{font-size:17px;font-weight:600;color:var(--navy-text);line-height:1.3;margin:11px 0 7px}
.rc-card-ex{font-size:13px;color:var(--muted);line-height:1.55;margin:0 0 14px;flex:1}
.rc-card-meta{font-size:12px;color:var(--faint)}

.rc-cta{background:var(--chip-fill);border:1px solid var(--chip-border);border-radius:12px;padding:18px 22px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;margin:30px 0}
.rc-cta-text{font-size:15px;color:#7a5210;font-weight:500;line-height:1.45}
.rc-btn{background:var(--gold);color:#fff !important;font-size:14px;font-weight:500;padding:10px 18px;border-radius:9px;white-space:nowrap;display:inline-block}
.rc-btn:hover{text-decoration:none;background:#c8881f}

.rc-article{max-width:680px;margin:0 auto}
.rc-crumb{font-size:13px;color:var(--faint);margin:0 0 14px}
.rc-crumb a{color:var(--faint)}
.rc-article h1{font-size:30px;font-weight:700;color:var(--navy-text);line-height:1.2;margin:12px 0 16px;letter-spacing:-.01em}
.rc-byline{display:flex;align-items:center;gap:12px;padding-bottom:18px;border-bottom:1px solid #dde3ea;margin-bottom:24px}
.rc-avatar{width:38px;height:38px;border-radius:50%;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-size:15px;font-weight:600;flex-shrink:0}
.rc-byline-text{font-size:13px;color:var(--muted);line-height:1.45}
.rc-byline-text b{color:var(--navy-text);font-weight:600}
.rc-article h2{font-size:21px;font-weight:600;color:var(--navy-text);margin:30px 0 10px;line-height:1.3}
.rc-article h3{font-size:17px;font-weight:600;color:var(--navy-text);margin:22px 0 8px}
.rc-article p{font-size:16px;color:var(--body);margin:0 0 16px}
.rc-article ul{font-size:16px;color:var(--body);padding-left:22px;margin:0 0 16px}
.rc-article li{margin:0 0 7px}
.rc-article strong{color:var(--navy-text);font-weight:600}
.rc-note{font-size:13px;color:var(--muted);border-left:3px solid var(--chip-border);background:#faf6ee;padding:10px 14px;margin:20px 0;border-radius:0 6px 6px 0}
.rc-fig{margin:22px 0;border:1px solid var(--card-border);border-radius:10px;overflow:hidden;background:#fff}
.rc-fig img{width:100%;height:auto;display:block}
.rc-figcap{font-size:13px;color:var(--muted);padding:10px 14px;background:#faf6ee;border-top:1px solid #eef1f5;line-height:1.5}
.rc-article ol{font-size:16px;color:var(--body);padding-left:22px;margin:0 0 16px}
.rc-article ol li{margin:0 0 9px}

.rc-faq{border:1px solid var(--card-border);border-radius:10px;background:#fff;overflow:hidden;margin:14px 0 8px}
.rc-faq details{border-bottom:1px solid #eef1f5}
.rc-faq details:last-child{border-bottom:0}
.rc-faq summary{font-size:15px;font-weight:600;color:var(--navy-text);padding:14px 16px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:10px}
.rc-faq summary::-webkit-details-marker{display:none}
.rc-faq summary::after{content:"+";color:var(--faint);font-size:18px;line-height:1}
.rc-faq details[open] summary::after{content:"\2212"}
.rc-faq .rc-faq-a{padding:0 16px 14px;font-size:14px;color:var(--body)}

.rc-footer{border-top:1px solid #dde3ea;margin-top:50px;padding:26px 22px;text-align:center;font-size:12px;color:var(--faint)}

@media (max-width:620px){
  .rc-h1{font-size:27px}
  .rc-article h1{font-size:25px}
  .rc-word{font-size:13px}
  .rc-nav{gap:13px}
  .rc-nav a{font-size:13px}
  .rc-wrap{padding:24px 16px 44px}
}
@media (prefers-reduced-motion:reduce){
  .rc-card{transition:none}
}

.rc-logo{height:30px;width:auto;display:block}
@media (max-width:620px){.rc-logo{height:26px}}