/* 融易貸前台 — 紀實質感專業版（各區塊差異化排版） */
:root {
  --ryf-ink: #0e2438;
  --ryf-ink-soft: #24364a;
  --ryf-muted: #667687;
  --ryf-gold: #d4a84b;
  --ryf-gold-deep: #b8892f;
  --ryf-mint: #2f9f93;
  --ryf-paper: #ffffff;
  --ryf-ivory: #f7f4ef;
  --ryf-sand: #ebe4d8;
  --ryf-line: rgba(14, 36, 56, .1);
  --ryf-shadow: 0 18px 48px rgba(14, 36, 56, .1);
  --ryf-radius: 24px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body.nx-public {
  margin: 0;
  background:
    radial-gradient(ellipse 80% 50% at 10% -10%, rgba(212,168,75,.08), transparent 55%),
    radial-gradient(ellipse 60% 40% at 100% 0%, rgba(47,159,147,.06), transparent 50%),
    var(--ryf-ivory);
  color: var(--ryf-ink);
  font-family: "Noto Sans TC", "PingFang TC", "Microsoft JhengHei", sans-serif;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
body.nx-public::before {
  content: "";
  position: fixed; inset: 0; pointer-events: none; z-index: 0;
  opacity: .035;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 160 160' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}
body.nx-public > * { position: relative; z-index: 1; }
body.nx-menu-open { overflow: hidden; }
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
button { font: inherit; }
.ryf-wrap { width: min(1140px, calc(100% - 40px)); margin: 0 auto; }

[data-reveal] {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity .7s cubic-bezier(.22,1,.36,1), transform .7s cubic-bezier(.22,1,.36,1);
  transition-delay: var(--reveal-delay, 0ms);
}
[data-reveal].is-in { opacity: 1; transform: none; }

/* Icon polish + motion */
.ryf-icon,
.ryf-cost-card-top img,
.ryf-guide-card-head img,
.ryf-promise-list img,
.apply-aside-points img,
.faq-page-intro .ry-icon {
  transition: transform .35s cubic-bezier(.22,1,.36,1), filter .35s ease, background .25s ease, border-color .25s ease;
  will-change: transform;
  padding: 10px;
  border-radius: 16px;
  background: rgba(255,255,255,.72);
  border: 1px solid rgba(14,36,56,.08);
  box-sizing: border-box;
}
.ryf-cost-card-top img { width: 72px; height: 72px; padding: 8px; }
.ryf-guide-card-head img { width: 68px; height: 68px; padding: 8px; }
.ryf-promise-list img { width: 64px; height: 64px; padding: 8px; }
.apply-aside-points img { width: 52px; height: 52px; padding: 7px; border-radius: 14px; }
.faq-page-intro .ry-icon { width: 80px; height: 80px; padding: 10px; border-radius: 20px; }
.ryf-cost-grid4 article:hover .ryf-cost-card-top img,
.ryf-guide-card:hover .ryf-guide-card-head img,
.ryf-promise-list li:hover img,
.apply-aside-points li:hover img {
  transform: translateY(-3px) scale(1.04);
  border-color: rgba(212,168,75,.4);
  background: #fff;
  filter: drop-shadow(0 6px 12px rgba(14,36,56,.08));
}
.ryf-icon-float {
  animation: ryf-icon-bob 5.5s ease-in-out infinite;
}
@keyframes ryf-icon-bob {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-5px); }
}

/* Shared section décor */
.ryf-section { position: relative; }
.ryf-section--soft {
  background:
    radial-gradient(ellipse 50% 60% at 100% 0%, rgba(212,168,75,.07), transparent 55%),
    transparent;
}
.ryf-section--mint {
  background:
    radial-gradient(ellipse 45% 55% at 0% 80%, rgba(47,159,147,.07), transparent 55%),
    transparent;
}
.ryf-section-glow {
  position: absolute; inset: 0; pointer-events: none; overflow: hidden; z-index: 0;
}
.ryf-section > .ryf-wrap { position: relative; z-index: 1; }
.ryf-section-glow::before,
.ryf-section-glow::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  filter: blur(2px);
  opacity: .48;
  will-change: transform;
  animation: ryf-drift 16s ease-in-out infinite;
}
.ryf-section-glow::before {
  width: 220px; height: 220px; left: -50px; top: 12%;
  background: radial-gradient(circle, rgba(212,168,75,.3), transparent 70%);
}
.ryf-section-glow::after {
  width: 260px; height: 260px; right: -70px; bottom: 6%;
  background: radial-gradient(circle, rgba(47,159,147,.2), transparent 70%);
  animation-name: ryf-drift-alt;
  animation-duration: 19s;
  animation-delay: -5s;
}
.ryf-section-glow--wide::before {
  width: 320px; height: 320px; left: -80px; top: -10%;
  opacity: .4;
}
.ryf-section-glow--wide::after {
  width: 280px; height: 280px; right: -40px; bottom: -8%;
}
.ryf-divider-wave {
  height: 1px; margin: 0 auto; width: min(1140px, calc(100% - 40px));
  background: linear-gradient(90deg, transparent, rgba(212,168,75,.45), transparent);
  background-size: 200% 100%;
  animation: ryf-sheen-x 10s ease-in-out infinite;
}

/* Brand */
.ry-brand { display: inline-flex; align-items: center; gap: 10px; min-width: 0; }
.ry-brand-mark {
  width: 44px; height: 44px; object-fit: contain; flex-shrink: 0;
  background: transparent !important; padding: 0 !important;
  border-radius: 0 !important; box-shadow: none !important;
}
.ry-brand-word { display: grid; gap: 1px; line-height: 1.1; }
.ry-brand-word strong { color: var(--ryf-ink); font-size: 22px; font-weight: 900; letter-spacing: .02em; }
.ry-brand-word small { color: var(--ryf-gold-deep); font-size: 12px; font-weight: 800; letter-spacing: .18em; }
.ry-brand--on-dark .ry-brand-word strong { color: #fff; }
.ry-brand--on-dark .ry-brand-word small { color: var(--ryf-gold); }

/* Buttons */
.ryf-btn {
  position: relative;
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 48px; padding: 0 22px; border: 0; border-radius: 12px;
  font-weight: 800; font-size: 15px; letter-spacing: .01em;
  cursor: pointer; text-decoration: none;
  transition:
    transform .22s cubic-bezier(.22,1,.36,1),
    box-shadow .22s ease,
    background .22s ease,
    border-color .22s ease,
    color .22s ease,
    filter .22s ease;
  -webkit-tap-highlight-color: transparent;
}
.ryf-btn:hover { transform: translateY(-2px); }
.ryf-btn:active { transform: translateY(0) scale(.985); }
.ryf-btn:focus-visible {
  outline: 2px solid rgba(212,168,75,.7);
  outline-offset: 3px;
}
.ryf-btn-ink {
  background: linear-gradient(165deg, #1a3550 0%, var(--ryf-ink) 55%, #0a1b2b 100%);
  color: #fff !important;
  box-shadow:
    0 1px 0 rgba(255,255,255,.12) inset,
    0 10px 24px rgba(14,36,56,.2);
}
.ryf-btn-ink:hover {
  filter: brightness(1.06);
  box-shadow:
    0 1px 0 rgba(255,255,255,.16) inset,
    0 14px 30px rgba(14,36,56,.26);
}
.ryf-btn-gold {
  background: linear-gradient(145deg, #f3dfa0 0%, var(--ryf-gold) 48%, #c4922f 100%);
  color: var(--ryf-ink) !important;
  box-shadow:
    0 1px 0 rgba(255,255,255,.45) inset,
    0 10px 22px rgba(212,168,75,.32);
}
.ryf-btn-gold:hover {
  filter: brightness(1.03) saturate(1.05);
  box-shadow:
    0 1px 0 rgba(255,255,255,.5) inset,
    0 14px 28px rgba(212,168,75,.4);
}
.ryf-btn-ghost {
  background: rgba(255,255,255,.78);
  color: var(--ryf-ink) !important;
  border: 1.5px solid rgba(14,36,56,.16);
  box-shadow: 0 6px 16px rgba(14,36,56,.04);
  backdrop-filter: blur(8px);
}
.ryf-btn-ghost:hover {
  background: #fff;
  border-color: rgba(212,168,75,.55);
  box-shadow: 0 10px 22px rgba(14,36,56,.08);
}
.ryf-btn-lg { min-height: 54px; padding: 0 28px; font-size: 16px; border-radius: 13px; }
.ryf-btn-navy, .ryf-btn-sun { /* aliases */ }
.ryf-btn-navy {
  background: linear-gradient(165deg, #1a3550 0%, var(--ryf-ink) 55%, #0a1b2b 100%);
  color: #fff !important;
  box-shadow: 0 10px 24px rgba(14,36,56,.2);
}
.ryf-btn-sun {
  background: linear-gradient(145deg, #f3dfa0 0%, var(--ryf-gold) 48%, #c4922f 100%);
  color: var(--ryf-ink) !important;
  box-shadow: 0 10px 22px rgba(212,168,75,.32);
}

/* Align form buttons (.ry-btn) with public button system */
.nx-public .ry-btn,
.apply-page .ry-btn {
  position: relative;
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 48px; padding: 0 22px; border: 0; border-radius: 12px;
  font-weight: 800; font-size: 15px; letter-spacing: .01em;
  background: linear-gradient(165deg, #1a3550 0%, var(--ryf-ink) 55%, #0a1b2b 100%);
  color: #fff !important;
  box-shadow:
    0 1px 0 rgba(255,255,255,.12) inset,
    0 10px 24px rgba(14,36,56,.2);
  transition: transform .22s cubic-bezier(.22,1,.36,1), box-shadow .22s ease, filter .22s ease;
}
.nx-public .ry-btn:hover,
.apply-page .ry-btn:hover {
  transform: translateY(-2px);
  filter: brightness(1.06);
  box-shadow:
    0 1px 0 rgba(255,255,255,.16) inset,
    0 14px 30px rgba(14,36,56,.26);
}
.nx-public .ry-btn:active,
.apply-page .ry-btn:active { transform: translateY(0) scale(.985); }
.nx-public .ry-btn-soft,
.apply-page .ry-btn-soft {
  background: rgba(255,255,255,.9);
  color: var(--ryf-ink) !important;
  border: 1.5px solid rgba(14,36,56,.14);
  box-shadow: 0 6px 16px rgba(14,36,56,.04);
  filter: none;
}
.nx-public .ry-btn-soft:hover,
.apply-page .ry-btn-soft:hover {
  background: #fff;
  border-color: rgba(212,168,75,.5);
  filter: none;
}
.nx-public .ry-btn-sm,
.apply-page .ry-btn-sm {
  min-height: 40px; padding: 0 14px; font-size: 13px; border-radius: 10px;
}

/* Shared card surface */
.ryf-card-surface {
  background: #fff;
  border: 1px solid rgba(14,36,56,.08);
  box-shadow:
    0 1px 0 rgba(255,255,255,.8) inset,
    0 12px 28px rgba(14,36,56,.05);
}

.ryf-timeline-copy > p,
.ryf-lead {
  margin: 0 0 12px;
  color: var(--ryf-muted);
  font-size: 15px;
  font-weight: 600;
  line-height: 1.65;
}
.ryf-points {
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 8px;
}
.ryf-points li {
  position: relative;
  padding-left: 16px;
  color: var(--ryf-ink-soft);
  font-size: 14px;
  line-height: 1.6;
  font-weight: 600;
}
.ryf-points li::before {
  content: "";
  position: absolute;
  left: 0; top: .55em;
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--ryf-gold);
}
.ryf-note {
  margin-top: 16px;
  padding: 14px 16px;
  border-radius: 12px;
  background: rgba(14,36,56,.03);
  border: 1px solid var(--ryf-line);
}
.ryf-note p {
  margin: 0 0 8px;
  color: var(--ryf-muted);
  font-size: 13px;
  line-height: 1.7;
}
.ryf-note p:last-child { margin-bottom: 0; }
.ryf-partner-lede {
  margin: 0 0 16px;
  color: rgba(255,255,255,.72);
  font-size: 14px;
  line-height: 1.65;
}
.ryf-faq-direct { display: grid; gap: 10px; }
.ryf-faq-direct article {
  padding: 16px 16px;
  border-radius: 14px;
  border: 1px solid rgba(14,36,56,.06);
  background: linear-gradient(180deg, #fff, rgba(247,244,239,.45));
  transition: border-color .2s ease, box-shadow .2s ease, transform .2s ease;
}
.ryf-faq-direct article:hover {
  border-color: rgba(212,168,75,.28);
  box-shadow: 0 10px 22px rgba(14,36,56,.05);
  transform: translateY(-1px);
}
.ryf-faq-direct article:last-child { border-bottom: 1px solid rgba(14,36,56,.06); }
.ryf-faq-direct h3 {
  margin: 0 0 8px;
  color: var(--ryf-ink);
  font-size: 15px;
  font-weight: 900;
  line-height: 1.45;
}
.ryf-faq-direct p {
  margin: 0;
  color: var(--ryf-muted);
  font-size: 14px;
  line-height: 1.7;
}
.ryf-notice-card {
  position: relative;
  padding: 26px 28px;
  border-radius: 20px;
  background: linear-gradient(180deg, #fff 0%, #fbfaf7 100%);
  border: 1px solid rgba(14,36,56,.08);
  box-shadow:
    0 1px 0 rgba(255,255,255,.9) inset,
    0 14px 32px rgba(14,36,56,.05);
  overflow: hidden;
}
.ryf-notice-card::before {
  content: "";
  position: absolute; left: 0; top: 0; bottom: 0; width: 3px;
  background: linear-gradient(180deg, var(--ryf-gold), var(--ryf-mint));
}
.ryf-notice-card::after {
  content: "";
  position: absolute;
  right: -36px; top: -48px;
  width: 150px; height: 150px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(212,168,75,.18), transparent 70%);
  pointer-events: none;
  animation: ryf-glow-pulse 7s ease-in-out infinite;
}
.ryf-notice-card h2 {
  margin: 0 0 8px;
  color: var(--ryf-ink);
  font-size: 15px;
  font-weight: 900;
}
.ryf-notice-card .ryf-lead { margin-bottom: 12px; font-size: 14px; }
.ryf-notice-card ul {
  margin: 0;
  padding-left: 1.15em;
  color: var(--ryf-muted);
  font-size: 13px;
}
.ryf-notice-card li { margin-bottom: 8px; }

/* Expandable */
.ryf-more { margin-top: 12px; }
.ryf-more summary {
  list-style: none; cursor: pointer;
  display: inline-flex; align-items: center; gap: 6px;
  color: var(--ryf-gold-deep); font-size: 13px; font-weight: 800;
}
.ryf-more summary::-webkit-details-marker { display: none; }
.ryf-more summary::after { content: "＋"; font-size: 12px; }
.ryf-more[open] summary::after { content: "－"; }
.ryf-more > div, .ryf-more ul {
  margin-top: 10px; padding: 12px 14px;
  border-radius: 12px; background: rgba(14,36,56,.03);
  border: 1px solid var(--ryf-line);
  color: var(--ryf-muted); font-size: 13px; line-height: 1.7;
}
.ryf-more ul { padding-left: 1.3em; }
.ryf-alert {
  margin-top: 10px; padding: 10px 12px; border-radius: 10px;
  background: #eef8f6; border-left: 3px solid var(--ryf-mint);
  color: var(--ryf-ink); font-weight: 700; font-size: 13px;
}

/* Header */
.ryf-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(247,244,239,.9);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent;
}
.ryf-header.is-scrolled {
  background: rgba(255,255,255,.95);
  border-bottom-color: var(--ryf-line);
  box-shadow: 0 8px 24px rgba(14,36,56,.05);
}
.ryf-header-inner {
  width: min(1140px, calc(100% - 32px));
  margin: 0 auto; min-height: 72px;
  display: flex; align-items: center; justify-content: space-between; gap: 18px;
}
.ryf-header .ry-brand-mark { width: 40px; height: 40px; }
.ryf-header .ry-brand-word strong { font-size: 20px; }
.ryf-nav { display: flex; align-items: center; gap: 24px; }
.ryf-nav a { color: var(--ryf-ink-soft); font-size: 14px; font-weight: 700; }
.ryf-nav a:hover { color: var(--ryf-gold-deep); }
.ryf-nav-login-m { display: none; }
.ryf-header-actions { display: flex; align-items: center; gap: 14px; }
.ryf-header-actions .ryf-btn {
  min-height: 42px; padding: 0 18px; font-size: 14px; border-radius: 11px;
}
.ryf-link-quiet { color: var(--ryf-muted); font-size: 13px; font-weight: 700; }
.ryf-burger {
  display: none !important; width: 42px; height: 42px; min-height: 42px !important;
  padding: 0 !important; border: 1.5px solid var(--ryf-line); border-radius: 10px;
  background: #fff !important; box-shadow: none !important;
}
.ryf-burger i { display: block; width: 16px; height: 1.5px; margin: 5px auto; background: var(--ryf-ink); }

.ryf-home { overflow-x: clip; }
.ryf-section { padding: 72px 0; }
.ryf-section-head { max-width: 36em; margin-bottom: 36px; }
.ryf-section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.ryf-section-head--full {
  max-width: none;
  width: 100%;
}
.ryf-section-head--full h2 {
  max-width: none;
}
.ryf-section-head--full p {
  max-width: none;
}
.ryf-kicker {
  display: inline-block; margin: 0 0 10px;
  color: var(--ryf-gold-deep); font-size: 12px; font-weight: 800; letter-spacing: .14em;
}
.ryf-section-head h2, .ryf-promise-intro h2, .ryf-cost-facts h2, .ryf-faq-intro h2, .ryf-partner-band-copy h2 {
  margin: 0 0 10px; color: var(--ryf-ink);
  font-size: clamp(1.65rem, 3vw, 2.15rem); font-weight: 900; letter-spacing: -.02em; line-height: 1.3;
}
.ryf-section-head p, .ryf-promise-intro p, .ryf-faq-intro p {
  margin: 0; color: var(--ryf-muted); font-size: 15px;
}

.ryf-badge {
  display: inline-flex; align-items: center; gap: 8px;
  margin: 0 0 16px; padding: 8px 14px 8px 10px;
  border-radius: 999px; background: rgba(255,255,255,.9);
  border: 1px solid rgba(212,168,75,.35);
  color: var(--ryf-gold-deep); font-size: 13px; font-weight: 800;
}
.ryf-badge i {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--ryf-mint); box-shadow: 0 0 0 4px rgba(47,159,147,.18);
}
.ryf-title {
  margin: 0 0 16px;
  font-size: clamp(2.35rem, 5vw, 3.55rem);
  font-weight: 900; line-height: 1.2; letter-spacing: -.03em; color: var(--ryf-ink);
  text-wrap: balance;
}
.ryf-title em {
  font-style: normal;
  color: var(--ryf-ink);
  background: linear-gradient(transparent 58%, rgba(212,168,75,.55) 58%);
  padding: 0 .06em;
  box-decoration-break: clone;
  -webkit-box-decoration-break: clone;
}
.ryf-lede {
  margin: 0 0 24px;
  color: var(--ryf-ink-soft);
  font-size: 16px;
  font-weight: 500;
  line-height: 1.8;
  max-width: 34em;
}
.ryf-hero-cta { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 18px; }
.ryf-chips { list-style: none; margin: 0 0 16px; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.ryf-chips li {
  padding: 8px 12px; border-radius: 999px;
  background: rgba(255,255,255,.82); border: 1px solid rgba(14,36,56,.08);
  color: var(--ryf-ink); font-size: 12px; font-weight: 800;
  backdrop-filter: blur(6px);
}
.ryf-hero-hint {
  margin: 0;
  max-width: 34em;
  color: var(--ryf-muted);
  font-size: 13px;
  line-height: 1.7;
  font-weight: 600;
}

/* Hero shell：背景圖滿版 + 內容落在 wrap 內 */
.ryf-hero-shell {
  position: relative;
  overflow: hidden;
  min-height: min(78vh, 740px);
  padding: 56px 0 64px;
  display: flex;
  align-items: center;
}
.ryf-hero-bg {
  position: absolute; inset: 0;
  z-index: 0;
}
.ryf-hero-bg img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: 70% center;
  filter: saturate(.9) contrast(1.03);
  transform: scale(1.03);
  animation: ryf-kenburns 28s ease-in-out infinite alternate;
}
.ryf-hero-bg::after {
  content: "";
  position: absolute; inset: 0;
  background:
    linear-gradient(105deg, rgba(247,244,239,.97) 0%, rgba(247,244,239,.9) 36%, rgba(247,244,239,.55) 58%, rgba(14,36,56,.18) 100%),
    linear-gradient(180deg, rgba(247,244,239,.2) 0%, transparent 30%, rgba(247,244,239,.55) 100%);
}
.ryf-hero-decor {
  position: absolute; inset: 0;
  z-index: 1;
  pointer-events: none;
}
.ryf-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(2px);
  opacity: .55;
  animation: ryf-float 9s ease-in-out infinite;
}
.ryf-orb-a {
  width: 220px; height: 220px;
  left: 8%; top: 18%;
  background: radial-gradient(circle, rgba(212,168,75,.35), transparent 70%);
}
.ryf-orb-b {
  width: 280px; height: 280px;
  right: 12%; bottom: 8%;
  background: radial-gradient(circle, rgba(47,159,147,.22), transparent 70%);
  animation-delay: -3s;
}
.ryf-orb-c {
  width: 160px; height: 160px;
  left: 42%; bottom: 18%;
  background: radial-gradient(circle, rgba(212,168,75,.22), transparent 70%);
  animation-name: ryf-drift;
  animation-duration: 14s;
  animation-delay: -6s;
  opacity: .4;
}
.ryf-hero-watermark {
  position: absolute;
  right: 6%; top: 14%;
  width: min(280px, 32vw);
  opacity: .08;
  transform: rotate(-12deg);
  animation: ryf-float 12s ease-in-out infinite;
}
.ryf-hero-layout {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(280px, .85fr);
  gap: 36px;
  align-items: center;
}
.ryf-hero-copy { max-width: 560px; }
.ryf-hero-card {
  position: relative;
  padding: 28px 26px 24px;
  border-radius: 24px;
  background: linear-gradient(180deg, rgba(255,255,255,.97), rgba(255,255,255,.9));
  border: 1px solid rgba(255,255,255,.85);
  box-shadow:
    0 1px 0 rgba(255,255,255,.9) inset,
    0 24px 56px rgba(14,36,56,.16);
  backdrop-filter: blur(12px);
  overflow: hidden;
}
.ryf-hero-card::before {
  content: "";
  position: absolute; left: 0; right: 0; top: 0; height: 3px;
  background: linear-gradient(90deg, var(--ryf-gold), rgba(212,168,75,.2));
}
.ryf-hero-card small {
  display: inline-block; margin-bottom: 8px;
  color: var(--ryf-gold-deep); font-size: 12px; font-weight: 800; letter-spacing: .04em;
}
.ryf-hero-card h2 {
  margin: 0 0 8px; color: var(--ryf-ink);
  font-size: 1.45rem; font-weight: 900;
}
.ryf-hero-card > p {
  margin: 0 0 16px; color: var(--ryf-muted); font-size: 14px; line-height: 1.65;
}
.ryf-hero-card ol {
  margin: 0 0 18px; padding: 0; list-style: none; display: grid; gap: 10px;
}
.ryf-hero-card li {
  display: grid; grid-template-columns: 26px 1fr; gap: 10px; align-items: start;
  padding: 8px 10px; border-radius: 12px;
  background: rgba(247,244,239,.65);
  color: var(--ryf-ink-soft); font-size: 13px; font-weight: 650; line-height: 1.5;
}
.ryf-hero-card li span {
  width: 26px; height: 26px; border-radius: 50%;
  display: grid; place-items: center;
  background: linear-gradient(165deg, #1a3550, var(--ryf-ink));
  color: #fff;
  font-size: 11px; font-weight: 800;
  box-shadow: 0 4px 10px rgba(14,36,56,.18);
}
.ryf-hero-card-note {
  margin: 12px 0 0 !important;
  color: var(--ryf-muted) !important;
  font-size: 12px !important;
  line-height: 1.6 !important;
}

@keyframes ryf-kenburns {
  from { transform: scale(1.02) translate3d(0,0,0); }
  to { transform: scale(1.08) translate3d(-1.5%, 1%, 0); }
}
@keyframes ryf-float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-14px); }
}
@keyframes ryf-drift {
  0%, 100% { transform: translate3d(0, 0, 0) scale(1); }
  33% { transform: translate3d(4%, -3%, 0) scale(1.06); }
  66% { transform: translate3d(-3%, 4%, 0) scale(.94); }
}
@keyframes ryf-drift-alt {
  0%, 100% { transform: translate3d(0, 0, 0) scale(1); }
  40% { transform: translate3d(-5%, 2%, 0) scale(1.08); }
  70% { transform: translate3d(3%, -4%, 0) scale(.95); }
}
@keyframes ryf-sheen-x {
  0%, 100% { background-position: 0% 50%; opacity: .55; }
  50% { background-position: 100% 50%; opacity: 1; }
}
@keyframes ryf-sheen-sweep {
  0% { transform: translateX(-30%) skewX(-12deg); opacity: 0; }
  20% { opacity: .35; }
  45% { opacity: .2; }
  70%, 100% { transform: translateX(130%) skewX(-12deg); opacity: 0; }
}
@keyframes ryf-glow-pulse {
  0%, 100% { opacity: .35; }
  50% { opacity: .62; }
}
@media (prefers-reduced-motion: reduce) {
  .ryf-hero-bg img, .ryf-orb, .ryf-hero-watermark,
  .ryf-icon-float, .faq-page-intro .ry-icon,
  .ryf-section-glow::before, .ryf-section-glow::after,
  .ryf-decor-band::before, .ryf-decor-band::after,
  .ryf-footer-ambient::before, .ryf-footer-ambient::after,
  .ryf-page-ambient::before, .ryf-page-ambient::after,
  .ryf-partner-band-copy::before,
  .ryf-ads-filter::after,
  .ryf-notice-card::after,
  .info-shell::before, .info-shell::after,
  .ryf-divider-wave,
  .nx-page-hero::before { animation: none !important; }
}

/* 費用 4 格 */
.ryf-costband {
  background: #fff;
  border-block: 1px solid var(--ryf-line);
  position: relative;
  overflow: hidden;
}
.ryf-costband::before {
  content: "";
  position: absolute; inset: auto 0 0;
  height: 120px;
  background: linear-gradient(180deg, transparent, rgba(212,168,75,.06));
  pointer-events: none;
}
.ryf-cost-grid4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 18px;
}
.ryf-cost-grid4 article {
  position: relative;
  padding: 24px 20px 22px;
  border-radius: 20px;
  background: linear-gradient(180deg, #fff 0%, var(--ryf-ivory) 100%);
  border: 1px solid rgba(14,36,56,.08);
  box-shadow:
    0 1px 0 rgba(255,255,255,.9) inset,
    0 10px 24px rgba(14,36,56,.04);
  overflow: hidden;
  transition: transform .28s cubic-bezier(.22,1,.36,1), box-shadow .28s ease, border-color .28s ease, background .28s ease;
}
.ryf-cost-grid4 article::before {
  content: "";
  position: absolute; left: 18px; right: 18px; top: 0; height: 2px;
  border-radius: 0 0 2px 2px;
  background: linear-gradient(90deg, var(--ryf-gold), transparent);
  opacity: .55;
  transition: opacity .25s ease;
}
.ryf-cost-grid4 article:hover {
  transform: translateY(-5px);
  background: #fff;
  border-color: rgba(212,168,75,.35);
  box-shadow:
    0 1px 0 rgba(255,255,255,.95) inset,
    0 18px 36px rgba(14,36,56,.1);
}
.ryf-cost-grid4 article:hover::before { opacity: 1; }
.ryf-cost-card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 14px;
}
.ryf-cost-card-top img {
  width: 72px;
  height: 72px;
  flex-shrink: 0;
  padding: 8px;
}
.ryf-cost-grid4 span {
  display: block;
  color: var(--ryf-gold);
  font-size: 13px;
  font-weight: 900;
  letter-spacing: .08em;
}
.ryf-cost-grid4 h3 {
  margin: 0 0 8px; color: var(--ryf-muted);
  font-size: 13px; font-weight: 800;
}
.ryf-cost-grid4 strong {
  display: block; margin-bottom: 8px;
  color: var(--ryf-ink); font-size: 17px; font-weight: 900; line-height: 1.35;
}
.ryf-cost-grid4 p { margin: 0; color: var(--ryf-muted); font-size: 13px; line-height: 1.6; }
.ryf-operator {
  display: grid; grid-template-columns: 1fr 1fr; gap: 14px;
  padding: 18px 20px; border-radius: 16px;
  background: linear-gradient(180deg, #fff, rgba(247,244,239,.9));
  border: 1px solid rgba(212,168,75,.35);
  box-shadow: 0 8px 22px rgba(14,36,56,.04);
}
.ryf-operator span { display: block; margin-bottom: 4px; color: var(--ryf-gold-deep); font-size: 12px; font-weight: 800; }
.ryf-operator strong { color: var(--ryf-ink); font-size: 14px; font-weight: 800; }

/* 三步驟 */
.ryf-steps3 {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px;
}
.ryf-steps3 article {
  background: #fff; border-radius: 22px; overflow: hidden;
  border: 1px solid rgba(14,36,56,.08);
  box-shadow:
    0 1px 0 rgba(255,255,255,.9) inset,
    0 14px 32px rgba(14,36,56,.06);
  transition: transform .28s cubic-bezier(.22,1,.36,1), box-shadow .28s ease, border-color .28s ease;
}
.ryf-steps3 article:hover {
  transform: translateY(-6px);
  border-color: rgba(212,168,75,.3);
  box-shadow: 0 22px 44px rgba(14,36,56,.12);
}
.ryf-steps3-media {
  position: relative; aspect-ratio: 4/3; overflow: hidden; background: var(--ryf-sand);
}
.ryf-steps3-media img {
  width: 100%; height: 100%; object-fit: cover;
  transition: transform .55s cubic-bezier(.22,1,.36,1);
}
.ryf-steps3 article:hover .ryf-steps3-media img { transform: scale(1.05); }
.ryf-steps3-media span {
  position: absolute; left: 14px; top: 14px;
  width: 42px; height: 42px; border-radius: 50%;
  display: grid; place-items: center;
  background: linear-gradient(145deg, #f3dfa0, var(--ryf-gold));
  color: var(--ryf-ink);
  font-weight: 900; font-size: 13px;
  box-shadow: 0 8px 18px rgba(212,168,75,.4);
  border: 2px solid rgba(255,255,255,.7);
}
.ryf-steps3 h3 {
  margin: 0; padding: 18px 20px 6px;
  color: var(--ryf-ink); font-size: 18px; font-weight: 900;
}
.ryf-steps3 p {
  margin: 0; padding: 0 20px 22px;
  color: var(--ryf-muted); font-size: 14px; line-height: 1.7;
}

.ryf-guideband { position: relative; overflow: hidden; }
.ryf-decor-band {
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 40% 50% at 0% 50%, rgba(212,168,75,.12), transparent 60%),
    radial-gradient(ellipse 35% 45% at 100% 30%, rgba(47,159,147,.08), transparent 55%);
  pointer-events: none;
}
.ryf-decor-band::before,
.ryf-decor-band::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  filter: blur(6px);
  will-change: transform;
}
.ryf-decor-band::before {
  width: 280px; height: 280px; left: -60px; top: 18%;
  background: radial-gradient(circle, rgba(212,168,75,.22), transparent 68%);
  animation: ryf-drift 18s ease-in-out infinite;
}
.ryf-decor-band::after {
  width: 320px; height: 320px; right: -80px; bottom: 8%;
  background: radial-gradient(circle, rgba(47,159,147,.16), transparent 68%);
  animation: ryf-drift-alt 22s ease-in-out infinite;
  animation-delay: -7s;
}
.ryf-guideband .ryf-wrap { position: relative; z-index: 1; }

/* A. Contained documentary hero（舊版保留相容，可忽略） */
.ryf-hero-doc { display: none; }

/* B. Rule bar */
.ryf-rulebar {
  background: #fff;
  border-bottom: 1px solid var(--ryf-line);
}
.ryf-rulebar-inner {
  display: grid; grid-template-columns: repeat(4, 1fr);
  padding: 22px 0;
}
.ryf-rulebar-inner > div {
  padding: 8px 18px;
  border-right: 1px solid var(--ryf-line);
  text-align: left;
}
.ryf-rulebar-inner > div:last-child { border-right: 0; }
.ryf-rulebar-inner span {
  display: block; margin-bottom: 4px;
  color: var(--ryf-gold-deep); font-size: 11px; font-weight: 800; letter-spacing: .06em;
}
.ryf-rulebar-inner strong {
  display: block; color: var(--ryf-ink);
  font-size: 1.45rem; font-weight: 900; letter-spacing: -.02em;
}
.ryf-rulebar-inner small {
  display: block; margin-top: 4px;
  color: var(--ryf-muted); font-size: 12px; font-weight: 600;
}

/* C. Timeline */
.ryf-timeline { list-style: none; margin: 0; padding: 0; display: grid; gap: 48px; }
.ryf-timeline-item {
  display: grid; grid-template-columns: 1.05fr .95fr; gap: 36px; align-items: center;
}
.ryf-timeline-item.is-flip .ryf-timeline-photo { order: 2; }
.ryf-timeline-item.is-flip .ryf-timeline-copy { order: 1; }
.ryf-timeline-photo {
  border-radius: 18px; overflow: hidden;
  aspect-ratio: 4/3; background: var(--ryf-sand);
  box-shadow: var(--ryf-shadow);
}
.ryf-timeline-photo img { width: 100%; height: 100%; object-fit: cover; }
.ryf-timeline-no {
  display: block; margin-bottom: 8px;
  color: var(--ryf-gold); font-size: 28px; font-weight: 900; letter-spacing: .04em;
}
.ryf-timeline-copy h3 {
  margin: 0 0 8px; color: var(--ryf-ink); font-size: 1.45rem; font-weight: 900;
}
.ryf-timeline-copy > p { margin: 0; color: var(--ryf-muted); font-size: 15px; }

/* D. Promise list */
.ryf-promise { background: #fff; border-block: 1px solid var(--ryf-line); }
.ryf-promise-grid {
  display: grid; grid-template-columns: .85fr 1.15fr; gap: 40px; align-items: start;
}
.ryf-promise-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.ryf-promise-list li {
  display: grid; grid-template-columns: 68px 1fr; gap: 14px; align-items: start;
  padding: 16px 16px;
  border-radius: 16px;
  background: linear-gradient(180deg, #fff, var(--ryf-ivory));
  border: 1px solid rgba(14,36,56,.07);
  box-shadow: 0 8px 20px rgba(14,36,56,.03);
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.ryf-promise-list li:hover {
  transform: translateY(-2px);
  border-color: rgba(212,168,75,.3);
  box-shadow: 0 14px 28px rgba(14,36,56,.07);
}
.ryf-promise-list li:last-child { border-bottom: 1px solid rgba(14,36,56,.07); }
.ryf-promise-list strong { display: block; margin-bottom: 4px; color: var(--ryf-ink); font-size: 16px; }
.ryf-promise-list p { margin: 0; color: var(--ryf-muted); font-size: 14px; }

/* E. Cost split */
.ryf-cost-split {
  display: grid; grid-template-columns: 1.1fr .9fr; gap: 28px; align-items: stretch;
}
.ryf-cost-photo {
  position: relative; border-radius: 20px; overflow: hidden; min-height: 360px;
  box-shadow: var(--ryf-shadow);
}
.ryf-cost-photo img { width: 100%; height: 100%; object-fit: cover; position: absolute; inset: 0; }
.ryf-cost-photo p {
  position: absolute; left: 18px; right: 18px; bottom: 18px; margin: 0;
  padding: 12px 14px; border-radius: 12px;
  background: rgba(255,255,255,.92); color: var(--ryf-ink);
  font-size: 14px; font-weight: 700;
}
.ryf-cost-facts {
  padding: 8px 4px 8px 8px;
}
.ryf-cost-facts dl { margin: 18px 0 0; display: grid; gap: 0; }
.ryf-cost-facts dl > div {
  display: grid; grid-template-columns: 110px 1fr; gap: 12px;
  padding: 14px 0; border-bottom: 1px solid var(--ryf-line);
}
.ryf-cost-facts dt { color: var(--ryf-gold-deep); font-size: 12px; font-weight: 800; }
.ryf-cost-facts dd { margin: 0; color: var(--ryf-ink); font-size: 15px; font-weight: 700; }

/* F. Guide cards */
.ryf-guideband { background: linear-gradient(180deg, var(--ryf-ivory), #fff 40%, var(--ryf-ivory)); }
.ryf-guide-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  align-items: stretch;
}
.ryf-guide-card {
  position: relative;
  display: flex;
  flex-direction: column;
  padding: 26px 24px 24px;
  border-radius: 22px;
  background: linear-gradient(180deg, #fff 0%, #fcfbf8 100%);
  border: 1px solid rgba(14,36,56,.08);
  box-shadow:
    0 1px 0 rgba(255,255,255,.9) inset,
    0 14px 34px rgba(14,36,56,.055);
  overflow: hidden;
  transition: transform .28s cubic-bezier(.22,1,.36,1), box-shadow .28s ease, border-color .28s ease;
}
.ryf-guide-card::before {
  content: "";
  position: absolute; left: 0; top: 0; bottom: 0; width: 3px;
  background: linear-gradient(180deg, var(--ryf-gold), rgba(212,168,75,.15));
  opacity: .7;
}
.ryf-guide-card:hover {
  transform: translateY(-5px);
  border-color: rgba(212,168,75,.32);
  box-shadow:
    0 1px 0 rgba(255,255,255,.95) inset,
    0 22px 46px rgba(14,36,56,.1);
}
.ryf-guide-card--warn {
  border-color: rgba(196, 92, 58, .2);
  background: linear-gradient(180deg, #fff 0%, #fff8f4 100%);
}
.ryf-guide-card--warn::before {
  background: linear-gradient(180deg, #c45c3a, rgba(196,92,58,.15));
}
.ryf-guide-card-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 16px;
}
.ryf-guide-card-head img {
  width: 68px;
  height: 68px;
  flex-shrink: 0;
  padding: 8px;
}
.ryf-guide-no {
  color: var(--ryf-gold);
  font-size: 13px;
  font-weight: 900;
  letter-spacing: .14em;
  font-variant-numeric: tabular-nums;
}
.ryf-guide-card--warn .ryf-guide-no { color: #c45c3a; }
.ryf-guide-card h3 {
  margin: 0 0 6px;
  font-size: 19px;
  font-weight: 900;
  color: var(--ryf-ink);
  letter-spacing: -.015em;
  line-height: 1.3;
}
.ryf-guide-lead {
  margin: 0 0 4px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--ryf-line);
  color: var(--ryf-muted);
  font-size: 13.5px;
  font-weight: 600;
  line-height: 1.55;
}
.ryf-guide-list {
  margin: 0;
  padding: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  flex: 1;
}
.ryf-guide-list li {
  display: grid;
  grid-template-columns: 22px 1fr;
  column-gap: 10px;
  row-gap: 3px;
  align-items: start;
  padding: 13px 0;
  border-bottom: 1px solid rgba(14,36,56,.06);
}
.ryf-guide-list li:last-child {
  border-bottom: 0;
  padding-bottom: 2px;
}
.ryf-guide-list li::before {
  content: "";
  grid-row: 1 / span 2;
  width: 7px;
  height: 7px;
  margin-top: 6px;
  margin-left: 4px;
  border-radius: 50%;
  background: var(--ryf-gold);
  box-shadow: 0 0 0 3px rgba(212,168,75,.18);
}
.ryf-guide-list--check li::before {
  content: "✓";
  width: auto;
  height: auto;
  margin: 0;
  border-radius: 0;
  background: transparent;
  box-shadow: none;
  color: var(--ryf-mint);
  font-size: 13px;
  font-weight: 900;
  line-height: 1.35;
  transform: none;
}
.ryf-guide-list--warn li::before {
  content: "";
  width: 7px;
  height: 7px;
  margin-top: 6px;
  margin-left: 4px;
  border-radius: 2px;
  background: #c45c3a;
  box-shadow: 0 0 0 3px rgba(196,92,58,.14);
  transform: none;
}
.ryf-guide-list strong {
  grid-column: 2;
  color: var(--ryf-ink);
  font-size: 13.5px;
  font-weight: 800;
  line-height: 1.35;
  letter-spacing: .005em;
}
.ryf-guide-list span {
  grid-column: 2;
  color: var(--ryf-muted);
  font-size: 12.5px;
  font-weight: 500;
  line-height: 1.7;
}
.ryf-guide-card .ryf-alert {
  margin-top: 14px;
  padding: 12px 14px;
  border-radius: 12px;
  background: #eef8f6;
  border: 1px solid rgba(47,159,147,.18);
  border-left: 3px solid var(--ryf-mint);
  color: var(--ryf-ink);
  font-weight: 700;
  font-size: 12.5px;
  line-height: 1.65;
}

/* G. Partner band */
.ryf-partner-band {
  position: relative;
  border-radius: 26px; overflow: hidden;
  background: linear-gradient(145deg, #122a40 0%, var(--ryf-ink) 55%, #0a1826 100%);
  color: #fff;
  display: grid; grid-template-columns: 1.15fr .85fr;
  box-shadow: 0 22px 48px rgba(14,36,56,.18);
  border: 1px solid rgba(255,255,255,.06);
}
.ryf-partner-band-photo { min-height: 320px; position: relative; }
.ryf-partner-band-photo::after {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(90deg, transparent 55%, rgba(14,36,56,.35));
  pointer-events: none;
}
.ryf-partner-band-photo img { width: 100%; height: 100%; object-fit: cover; min-height: 320px; filter: saturate(.9); }
.ryf-partner-band-copy {
  position: relative;
  padding: 40px 36px;
  overflow: hidden;
}
.ryf-partner-band-copy::before {
  content: "";
  position: absolute;
  top: -20%; left: 0;
  width: 40%; height: 140%;
  background: linear-gradient(90deg, transparent, rgba(212,168,75,.14), transparent);
  pointer-events: none;
  animation: ryf-sheen-sweep 9s ease-in-out infinite;
}
.ryf-partner-band-copy > * { position: relative; z-index: 1; }
.ryf-partner-band-copy .ryf-kicker { color: var(--ryf-gold); }
.ryf-partner-band-copy ul { margin: 0 0 22px; padding: 0; list-style: none; display: grid; gap: 12px; }
.ryf-partner-band-copy li {
  color: rgba(255,255,255,.78); font-size: 14px; line-height: 1.55;
  padding: 10px 12px; border-radius: 12px;
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.06);
}
.ryf-partner-band-copy strong { color: #fff; }

/* H. FAQ split */
.ryf-faq-split {
  display: grid; grid-template-columns: .75fr 1.25fr; gap: 40px; align-items: start;
}
.ryf-faq-list details {
  border-bottom: 1px solid var(--ryf-line); padding: 2px 0;
  background: transparent;
}
.ryf-faq-list summary {
  list-style: none; cursor: pointer;
  padding: 16px 0; font-weight: 800; color: var(--ryf-ink); font-size: 15px;
}
.ryf-faq-list summary::-webkit-details-marker { display: none; }
.ryf-faq-list details p {
  margin: 0 0 16px; color: var(--ryf-muted); font-size: 14px; line-height: 1.7;
}

/* I. Notice fold */
.ryf-notice { padding: 8px 0 28px; }
.ryf-notice-fold {
  background: #fff; border: 1px solid var(--ryf-line); border-radius: 16px; padding: 8px 18px 14px;
}
.ryf-notice-fold summary {
  list-style: none; cursor: pointer;
  display: grid; gap: 4px; padding: 10px 0;
}
.ryf-notice-fold summary::-webkit-details-marker { display: none; }
.ryf-notice-fold summary strong { color: var(--ryf-ink); font-size: 14px; }
.ryf-notice-fold summary span { color: var(--ryf-muted); font-size: 13px; }
.ryf-notice-fold ul {
  margin: 0; padding: 8px 0 4px 1.15em;
  color: var(--ryf-muted); font-size: 13px;
}
.ryf-notice-fold li { margin-bottom: 8px; }

/* Footer */
.ryf-footer { position: relative; overflow: hidden; margin-top: 24px; padding: 48px 0 28px; background: #e9eef1; }
.ryf-footer-ambient {
  position: absolute; inset: 0; pointer-events: none; z-index: 0;
}
.ryf-footer-ambient::before,
.ryf-footer-ambient::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  filter: blur(8px);
  opacity: .55;
  will-change: transform;
}
.ryf-footer-ambient::before {
  width: 240px; height: 240px; left: -40px; top: -30px;
  background: radial-gradient(circle, rgba(212,168,75,.18), transparent 70%);
  animation: ryf-drift 20s ease-in-out infinite;
}
.ryf-footer-ambient::after {
  width: 280px; height: 280px; right: -50px; bottom: -60px;
  background: radial-gradient(circle, rgba(47,159,147,.14), transparent 70%);
  animation: ryf-drift-alt 24s ease-in-out infinite;
  animation-delay: -8s;
}
.ryf-footer-grid {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1.4fr .8fr .8fr .9fr;
  gap: 28px; padding-bottom: 28px; border-bottom: 1px solid rgba(0,0,0,.08);
}
.ryf-footer .ry-brand-mark { width: 38px; height: 38px; }
.ryf-footer p { margin: 14px 0 0; max-width: 28em; color: var(--ryf-muted); font-size: 13px; line-height: 1.7; }
.ryf-footer h3 { margin: 0 0 12px; font-size: 13px; font-weight: 900; color: var(--ryf-ink); }
.ryf-footer a, .ryf-footer span { display: block; margin-bottom: 8px; color: var(--ryf-muted); font-size: 13px; font-weight: 600; }
.ryf-footer a:hover { color: var(--ryf-ink); }
.ryf-footer-end { position: relative; z-index: 1; padding-top: 18px; }
.ryf-footer-end small { color: #8a96a3; font-size: 12px; line-height: 1.6; }

/* Inner pages — full-bleed hero like homepage */
.nx-page { padding: 0; background: transparent; position: relative; }
.ryf-hero-shell--page {
  min-height: 380px;
  padding: 64px 0 56px;
  align-items: center;
}
.ryf-hero-shell--page .ryf-hero-bg img {
  object-position: 58% center;
}
.ryf-hero-shell--page .ryf-hero-bg::after {
  background:
    linear-gradient(105deg, rgba(247,244,239,.96) 0%, rgba(247,244,239,.88) 34%, rgba(247,244,239,.45) 62%, rgba(14,36,56,.16) 100%),
    linear-gradient(180deg, rgba(247,244,239,.15) 0%, transparent 35%, rgba(247,244,239,.5) 100%);
}
.ryf-hero-shell--page .ryf-wrap {
  position: relative;
  z-index: 2;
  width: min(1140px, calc(100% - 40px));
  margin: 0 auto;
}
.nx-page-hero {
  position: relative;
  width: min(560px, 100%);
  max-width: 560px;
  padding: 0;
  background: transparent;
  border: 0;
  border-radius: 0;
  box-shadow: none;
  backdrop-filter: none;
}
.nx-page-hero::before,
.nx-page-hero::after { display: none; }
.nx-page-hero h1 {
  margin: 0 0 12px; color: var(--ryf-ink);
  font-size: clamp(1.85rem, 3.2vw, 2.35rem); font-weight: 900;
  letter-spacing: -.02em; line-height: 1.25;
}
.nx-page-hero p {
  margin: 0; color: var(--ryf-muted); max-width: none;
  font-size: 14.5px; line-height: 1.7; font-weight: 600;
}
.nx-main { width: min(1140px, calc(100% - 40px)); margin: 36px auto 64px; }
.nx-kicker, .jx-badge {
  display: inline-flex; align-items: center; gap: 8px;
  margin: 0 0 14px; padding: 8px 14px; border-radius: 999px;
  background: rgba(255,255,255,.88);
  border: 1px solid rgba(212,168,75,.4);
  color: var(--ryf-gold-deep); font-size: 12px; font-weight: 800; letter-spacing: .06em;
  backdrop-filter: blur(8px);
  box-shadow: 0 6px 16px rgba(14,36,56,.05);
}
.jx-badge { font-size: 13px; letter-spacing: .02em; }

/* Apply page */
.apply-page { width: min(1100px, calc(100% - 40px)); margin: 0 auto 64px; }
.apply-layout { display: grid; grid-template-columns: .78fr 1.22fr; gap: 24px; align-items: start; }
.apply-aside {
  position: sticky; top: 92px;
  border-radius: 22px; overflow: hidden;
  background: #fff;
  box-shadow:
    0 1px 0 rgba(255,255,255,.9) inset,
    0 18px 44px rgba(14,36,56,.08);
  border: 1px solid rgba(14,36,56,.08);
}
.apply-aside > img { width: 100%; height: auto; object-fit: cover; aspect-ratio: 16/10; }
.apply-aside-body { padding: 20px 20px 22px; }
.apply-aside-body h2 { margin: 0 0 14px; font-size: 16px; font-weight: 900; color: var(--ryf-ink); }
.apply-aside-points { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.apply-aside-points li {
  display: flex; align-items: center; gap: 12px;
  color: var(--ryf-muted); font-size: 13px; line-height: 1.55; font-weight: 600;
  padding: 10px 12px; border-radius: 12px;
  background: var(--ryf-ivory); border: 1px solid transparent;
  transition: border-color .2s ease, background .2s ease, transform .2s ease;
}
.apply-aside-points li:hover {
  border-color: rgba(212,168,75,.35); background: #fff; transform: translateX(2px);
}
.apply-aside-points img { width: 52px; height: 52px; flex-shrink: 0; }
.apply-fraud-note {
  margin-top: 16px; padding: 14px 14px;
  border-radius: 14px; background: #eef8f6;
  border: 1px solid rgba(47,159,147,.18); border-left: 3px solid var(--ryf-mint);
}
.apply-fraud-note strong { display: block; margin-bottom: 8px; color: var(--ryf-ink); font-size: 13px; }
.apply-fraud-note ul { margin: 0; padding-left: 1.1em; color: #5f6f80; font-size: 12px; line-height: 1.65; }
.apply-fraud-note p { margin: 8px 0 0; color: var(--ryf-ink); font-size: 12px; font-weight: 700; }
.apply-page .ry-borrow-card { transform: none; }

/* Loan ads */
.ryf-ads-page { position: relative; margin-top: 0; overflow: clip; }
.ryf-page-ambient {
  position: absolute; inset: -40px 0 auto; height: 280px;
  pointer-events: none; z-index: 0;
}
.ryf-page-ambient::before,
.ryf-page-ambient::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  filter: blur(10px);
  opacity: .45;
  will-change: transform;
}
.ryf-page-ambient::before {
  width: 220px; height: 220px; left: -30px; top: 0;
  background: radial-gradient(circle, rgba(212,168,75,.2), transparent 70%);
  animation: ryf-drift 17s ease-in-out infinite;
}
.ryf-page-ambient::after {
  width: 260px; height: 260px; right: -40px; top: 20px;
  background: radial-gradient(circle, rgba(47,159,147,.14), transparent 70%);
  animation: ryf-drift-alt 21s ease-in-out infinite;
  animation-delay: -4s;
}
.ryf-ads-page > *:not(.ryf-page-ambient) { position: relative; z-index: 1; }
.ryf-ads-filter {
  position: relative;
  overflow: hidden;
  display: flex; flex-wrap: wrap; gap: 16px; align-items: end; justify-content: space-between;
  padding: 22px 24px; border-radius: 20px;
  background: linear-gradient(180deg, #fff, #fcfbf8);
  border: 1px solid rgba(14,36,56,.08);
  box-shadow:
    0 1px 0 rgba(255,255,255,.9) inset,
    0 14px 32px rgba(14,36,56,.05);
  margin-bottom: 18px;
}
.ryf-ads-filter::after {
  content: "";
  position: absolute;
  top: -30%; left: 0;
  width: 35%; height: 160%;
  background: linear-gradient(90deg, transparent, rgba(212,168,75,.08), transparent);
  pointer-events: none;
  animation: ryf-sheen-sweep 11s ease-in-out infinite;
}
.ryf-ads-filter-fields {
  display: flex; flex-wrap: wrap; gap: 14px; flex: 1; min-width: 260px;
}
.ryf-ads-filter .field { display: grid; gap: 6px; min-width: 180px; flex: 1; }
.ryf-ads-filter .field span { color: var(--ryf-gold-deep); font-size: 12px; font-weight: 800; letter-spacing: .02em; }
.ryf-ads-filter select {
  min-height: 46px; padding: 0 14px; border-radius: 12px;
  border: 1px solid rgba(14,36,56,.12); background: #fff; color: var(--ryf-ink); font: inherit;
  transition: border-color .2s ease, box-shadow .2s ease;
}
.ryf-ads-filter select:focus {
  outline: none;
  border-color: rgba(212,168,75,.55);
  box-shadow: 0 0 0 3px rgba(212,168,75,.16);
}
.ryf-ads-filter-actions {
  display: flex; flex-wrap: wrap; gap: 10px; align-items: center;
}
.ryf-ads-filter .ryf-btn { min-height: 46px; padding: 0 18px; }
.ryf-ads-toolbar {
  display: flex; flex-wrap: wrap; gap: 12px 18px; align-items: end;
  justify-content: space-between;
  margin: 0 0 18px; padding: 0 4px;
}
.ryf-ads-toolbar-main { display: grid; gap: 4px; min-width: 0; flex: 1; }
.ryf-ads-count {
  margin: 0; color: var(--ryf-ink); font-size: 14px; font-weight: 700;
}
.ryf-ads-count strong { color: var(--ryf-gold-deep); font-size: 16px; }
.ryf-ads-count span { color: var(--ryf-muted); font-weight: 600; }
.ryf-ads-note {
  margin: 0; color: var(--ryf-muted); font-size: 13px; font-weight: 600;
}
.ryf-ads-view-toggle {
  display: inline-flex; padding: 4px; border-radius: 12px;
  background: #fff; border: 1px solid rgba(14,36,56,.1);
  box-shadow: 0 1px 0 rgba(255,255,255,.9) inset;
}
.ryf-ads-view-toggle a {
  min-height: 36px; min-width: 68px; padding: 0 14px;
  display: inline-flex; align-items: center; justify-content: center;
  border-radius: 9px; color: var(--ryf-muted);
  font-size: 13px; font-weight: 800; text-decoration: none;
  transition: background .2s ease, color .2s ease, box-shadow .2s ease;
}
.ryf-ads-view-toggle a:hover { color: var(--ryf-ink); background: rgba(14,36,56,.04); }
.ryf-ads-view-toggle a.is-active {
  background: var(--ryf-ink); color: #fff;
  box-shadow: 0 8px 18px rgba(14,36,56,.16);
}

/* Shared ad item */
.ryf-ad-board--card {
  display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px;
}
.ryf-ad-board--list {
  display: grid; gap: 12px;
}
.ryf-ad-item {
  position: relative;
  display: flex; flex-direction: column;
  gap: 16px;
  padding: 22px 22px 18px 26px;
  border-radius: 20px;
  background:
    linear-gradient(180deg, rgba(255,255,255,.98), rgba(251,250,247,.96)),
    linear-gradient(135deg, rgba(212,168,75,.05), transparent 42%);
  border: 1px solid rgba(14,36,56,.08);
  box-shadow:
    0 1px 0 rgba(255,255,255,.95) inset,
    0 12px 28px rgba(14,36,56,.045);
  overflow: hidden;
  transition: transform .28s cubic-bezier(.22,1,.36,1), box-shadow .28s ease, border-color .28s ease;
}
.ryf-ad-item::before {
  content: "";
  position: absolute; left: 0; top: 14px; bottom: 14px; width: 3px; border-radius: 999px;
  background: linear-gradient(180deg, var(--ryf-gold), rgba(212,168,75,.2));
}
.ryf-ad-item:hover {
  transform: translateY(-3px);
  border-color: rgba(212,168,75,.34);
  box-shadow: 0 18px 40px rgba(14,36,56,.09);
}
.ryf-ad-main { display: grid; gap: 12px; min-width: 0; flex: 1; }
.ryf-ad-head { display: grid; gap: 8px; }
.ryf-ad-badges { display: flex; flex-wrap: wrap; gap: 8px; align-items: center; }
.ryf-ad-type {
  display: inline-flex; align-items: center;
  padding: 5px 11px; border-radius: 8px;
  background: var(--ryf-ink); color: #fff;
  font-size: 12px; font-weight: 800; letter-spacing: .02em;
}
.ryf-ad-amount {
  display: inline-flex; align-items: center;
  padding: 5px 11px; border-radius: 8px;
  background: rgba(212,168,75,.14);
  border: 1px solid rgba(212,168,75,.32);
  color: var(--ryf-gold-deep);
  font-size: 12px; font-weight: 800;
}
.ryf-ad-item h3 {
  margin: 0;
  font-size: 18px; font-weight: 900; color: var(--ryf-ink);
  letter-spacing: -.015em; line-height: 1.35;
}
.ryf-ad-summary {
  margin: 0; color: var(--ryf-muted);
  font-size: 14px; line-height: 1.7;
}
.ryf-ad-facts {
  list-style: none; margin: 0; padding: 0;
  display: grid; gap: 8px;
}
.ryf-ad-facts > li {
  display: grid; grid-template-columns: 72px minmax(0, 1fr); gap: 10px; align-items: start;
  padding: 8px 0;
  border-top: 1px solid rgba(14,36,56,.06);
}
.ryf-ad-facts > li:first-child { border-top: 0; padding-top: 0; }
.ryf-ad-fact-label {
  color: var(--ryf-gold-deep); font-size: 12px; font-weight: 800; line-height: 1.6; padding-top: 1px;
}
.ryf-ad-facts strong {
  color: var(--ryf-ink); font-size: 13.5px; font-weight: 700; line-height: 1.55;
}
.ryf-ad-meta { display: flex; flex-wrap: wrap; gap: 6px; }
.ryf-ad-meta span {
  padding: 4px 9px; border-radius: 8px;
  background: #fff; border: 1px solid rgba(14,36,56,.1);
  color: var(--ryf-ink-soft); font-size: 12px; font-weight: 700;
}
.ryf-ad-meta span.is-more {
  background: var(--ryf-ivory); color: var(--ryf-muted);
}
.ryf-ad-aside {
  display: grid; gap: 8px; align-content: start;
  margin-top: auto;
}
.ryf-ad-phone {
  display: grid; gap: 2px;
  padding: 12px 14px; border-radius: 14px;
  background: rgba(47,159,147,.08);
  border: 1px solid rgba(47,159,147,.22);
  text-decoration: none;
  transition: background .2s ease, border-color .2s ease, transform .2s ease;
}
.ryf-ad-phone:hover {
  background: rgba(47,159,147,.14);
  border-color: rgba(47,159,147,.4);
  transform: translateY(-1px);
}
.ryf-ad-phone span {
  color: var(--ryf-mint); font-size: 11px; font-weight: 800; letter-spacing: .04em;
}
.ryf-ad-phone strong {
  color: var(--ryf-ink); font-size: 16px; font-weight: 900; letter-spacing: .01em;
}
.ryf-ad-aside-note {
  color: var(--ryf-muted); font-size: 12px; font-weight: 700; padding: 0 4px;
}

/* Card mode specifics */
.ryf-ad-board--card .ryf-ad-item { min-height: 100%; }
.ryf-ad-board--card .ryf-ad-summary {
  display: -webkit-box; -webkit-line-clamp: 3; -webkit-box-orient: vertical; overflow: hidden;
}
.ryf-ad-board--card .ryf-ad-scanline { display: none; }

/* List mode: dense, scan-friendly rows */
.ryf-ad-board--list {
  gap: 0;
  border-radius: 16px;
  border: 1px solid rgba(14,36,56,.08);
  background: #fff;
  box-shadow:
    0 1px 0 rgba(255,255,255,.95) inset,
    0 12px 28px rgba(14,36,56,.04);
  overflow: hidden;
}
.ryf-ad-board--list .ryf-ad-item {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 158px;
  align-items: center;
  gap: 8px 18px;
  margin: 0;
  padding: 12px 14px 12px 16px;
  border: 0;
  border-bottom: 1px solid rgba(14,36,56,.07);
  border-radius: 0;
  background: #fff;
  box-shadow: none;
  overflow: visible;
}
.ryf-ad-board--list .ryf-ad-item:last-child { border-bottom: 0; }
.ryf-ad-board--list .ryf-ad-item::before {
  top: 10px; bottom: 10px; width: 2px;
  border-radius: 999px;
}
.ryf-ad-board--list .ryf-ad-item:hover {
  transform: none;
  background: linear-gradient(90deg, rgba(212,168,75,.05), #fff 42%);
  border-color: transparent;
  box-shadow: none;
}
.ryf-ad-board--list .ryf-ad-main {
  gap: 4px;
}
.ryf-ad-board--list .ryf-ad-head {
  display: flex;
  flex-direction: row;
  flex-wrap: wrap;
  align-items: center;
  gap: 6px 10px;
}
.ryf-ad-board--list .ryf-ad-badges { gap: 6px; order: 2; }
.ryf-ad-board--list .ryf-ad-type,
.ryf-ad-board--list .ryf-ad-amount {
  padding: 3px 8px;
  border-radius: 6px;
  font-size: 11px;
}
.ryf-ad-board--list .ryf-ad-item h3 {
  order: 1;
  flex: 0 1 auto;
  max-width: 100%;
  font-size: 15.5px;
  line-height: 1.3;
  letter-spacing: -.01em;
}
.ryf-ad-board--list .ryf-ad-summary {
  display: -webkit-box;
  -webkit-line-clamp: 1;
  -webkit-box-orient: vertical;
  overflow: hidden;
  max-width: 52em;
  font-size: 12.5px;
  line-height: 1.5;
  color: #6a7a8a;
}
.ryf-ad-board--list .ryf-ad-facts { display: none; }
.ryf-ad-board--list .ryf-ad-scanline {
  display: grid;
  gap: 5px;
  margin-top: 2px;
}
.ryf-ad-scan-regions {
  display: flex;
  flex-wrap: wrap;
  gap: 5px;
}
.ryf-ad-scan-regions span {
  padding: 2px 7px;
  border-radius: 6px;
  background: var(--ryf-ivory);
  border: 1px solid rgba(14,36,56,.08);
  color: var(--ryf-ink-soft);
  font-size: 11px;
  font-weight: 700;
}
.ryf-ad-scan-regions span.is-more {
  background: transparent;
  border-style: dashed;
  color: var(--ryf-muted);
}
.ryf-ad-scan-people {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0;
  color: var(--ryf-muted);
  font-size: 12.5px;
  font-weight: 700;
}
.ryf-ad-scan-people span {
  display: inline-flex;
  align-items: center;
  color: var(--ryf-ink-soft);
}
.ryf-ad-scan-people span + span::before {
  content: "";
  width: 3px; height: 3px; margin: 0 9px;
  border-radius: 50%;
  background: rgba(14,36,56,.25);
}
.ryf-ad-board--list .ryf-ad-aside {
  width: auto;
  flex: none;
  margin: 0;
  align-self: center;
  justify-items: stretch;
}
.ryf-ad-board--list .ryf-ad-phone {
  gap: 2px;
  min-height: 58px;
  padding: 10px 12px;
  border-radius: 12px;
  text-align: center;
  justify-content: center;
  background: linear-gradient(180deg, #f6fcfb, #eef8f6);
  border: 1px solid rgba(47,159,147,.28);
  box-shadow: 0 1px 0 rgba(255,255,255,.8) inset;
}
.ryf-ad-board--list .ryf-ad-phone span {
  font-size: 10px;
  letter-spacing: .06em;
}
.ryf-ad-board--list .ryf-ad-phone strong {
  font-size: 14.5px;
  font-variant-numeric: tabular-nums;
  letter-spacing: .01em;
}
.ryf-ads-empty {
  display: grid; justify-items: center; gap: 10px; text-align: center;
  padding: 48px 28px; border-radius: 22px;
  background: linear-gradient(180deg, #fff, #fcfbf8);
  border: 1px dashed rgba(14,36,56,.16);
  color: var(--ryf-muted);
}
.ryf-ads-empty img {
  width: 64px; height: 64px; padding: 10px; border-radius: 18px;
  background: #fff; border: 1px solid rgba(14,36,56,.08);
}
.ryf-ads-empty strong {
  color: var(--ryf-ink); font-size: 16px; font-weight: 900;
}
.ryf-ads-empty p { margin: 0 0 8px; font-size: 14px; line-height: 1.65; max-width: 28em; }
.ryf-pager {
  display: flex; justify-content: center; align-items: center; gap: 12px;
  margin-top: 28px;
}
.ryf-pager a,
.ryf-pager .is-disabled,
.ryf-pager .current {
  min-height: 40px; padding: 0 14px; border-radius: 10px;
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 13px; font-weight: 800;
}
.ryf-pager a {
  background: #fff; color: var(--ryf-ink);
  border: 1px solid rgba(14,36,56,.12);
  box-shadow: 0 6px 14px rgba(14,36,56,.04);
}
.ryf-pager a:hover {
  border-color: rgba(212,168,75,.45);
  transform: translateY(-1px);
}
.ryf-pager .current {
  background: var(--ryf-ink); color: #fff;
}
.ryf-pager .is-disabled {
  color: #a0aab4; background: rgba(14,36,56,.04); border: 1px solid transparent;
}

/* Info center */
.info-shell { position: relative; z-index: 2; overflow: clip; }
.info-shell::before,
.info-shell::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  filter: blur(12px);
  pointer-events: none;
  z-index: 0;
  opacity: .4;
  will-change: transform;
}
.info-shell::before {
  width: 200px; height: 200px; left: -40px; top: 80px;
  background: radial-gradient(circle, rgba(212,168,75,.22), transparent 70%);
  animation: ryf-drift 18s ease-in-out infinite;
}
.info-shell::after {
  width: 240px; height: 240px; right: -50px; top: 220px;
  background: radial-gradient(circle, rgba(47,159,147,.14), transparent 70%);
  animation: ryf-drift-alt 22s ease-in-out infinite;
  animation-delay: -6s;
}
.info-shell > * { position: relative; z-index: 1; }
.info-nav {
  display: flex; flex-wrap: wrap; gap: 8px;
  margin: 0 0 18px; padding: 10px;
  border-radius: 16px; background: rgba(255,255,255,.78);
  border: 1px solid var(--ryf-line);
  backdrop-filter: blur(8px);
}
.info-nav a {
  padding: 10px 14px; border-radius: 10px;
  color: var(--ryf-muted); font-size: 13px; font-weight: 700;
  transition: background .2s ease, color .2s ease, transform .2s ease;
}
.info-nav a:hover { color: var(--ryf-ink); background: rgba(14,36,56,.04); }
.info-nav a.active {
  background: var(--ryf-ink); color: #fff;
  box-shadow: 0 8px 18px rgba(14,36,56,.16);
}
.info-panel, .info-body {
  padding: 28px 28px 30px; border-radius: 20px;
  background: linear-gradient(180deg, #fff, #fcfbf8);
  border: 1px solid rgba(14,36,56,.08);
  box-shadow:
    0 1px 0 rgba(255,255,255,.9) inset,
    0 14px 36px rgba(14,36,56,.05);
}
.info-body section + section { margin-top: 28px; padding-top: 24px; border-top: 1px solid var(--ryf-line); }
.info-body h2, .cms-body h2 { margin: 0 0 10px; font-size: 1.1rem; font-weight: 900; color: var(--ryf-ink); }
.cms-body h2 { margin: 1.4em 0 .55em; font-size: 1.15rem; }
.cms-body h2:first-child { margin-top: 0; }
.info-body p, .info-body li, .cms-body p, .cms-body li {
  color: var(--ryf-muted); line-height: 1.75; font-size: 14px;
}
.info-body ul, .cms-body ul { padding-left: 1.2rem; margin: 0 0 1rem; }
.cms-body p { margin: 0 0 1rem; }
.faq-page-intro {
  display: flex; gap: 16px; align-items: center;
  margin-bottom: 8px; padding-bottom: 18px;
  border-bottom: 1px solid var(--ryf-line);
}
.faq-page-intro .ry-icon { width: 80px; height: 80px; flex: 0 0 auto; animation: ryf-icon-bob 5.5s ease-in-out infinite; }
.faq-page-intro p { margin: 0; color: var(--ryf-muted); font-size: 14px; line-height: 1.7; }
.nx-faq-list details {
  border-bottom: 1px solid var(--ryf-line);
  transition: background .2s ease;
}
.nx-faq-list details[open] { background: rgba(247,244,239,.45); margin: 0 -12px; padding: 0 12px; border-radius: 12px; border-bottom-color: transparent; }
.nx-faq-list summary {
  list-style: none; cursor: pointer;
  display: grid; grid-template-columns: 36px 1fr; gap: 10px; align-items: start;
  padding: 16px 0; color: var(--ryf-ink);
}
.nx-faq-list summary::-webkit-details-marker { display: none; }
.nx-faq-list summary span {
  color: var(--ryf-gold); font-size: 13px; font-weight: 900; letter-spacing: .06em; padding-top: 2px;
}
.nx-faq-list summary strong { font-size: 15px; font-weight: 800; line-height: 1.45; }
.nx-faq-list details p {
  margin: 0 0 16px 46px; color: var(--ryf-muted); font-size: 14px; line-height: 1.75;
}
.nx-success {
  max-width: 640px; margin: 0 auto; padding: 36px 32px; text-align: center;
  border-radius: 22px; background: #fff; border: 1px solid var(--ryf-line);
  box-shadow: 0 16px 40px rgba(14,36,56,.07);
}

/* Vendor register — align with public design system */
.nx-main .container {
  width: min(760px, 100%);
  margin: -8px auto 0;
  padding: 0;
}
.nx-main .card {
  padding: 28px 28px 30px;
  border-radius: 20px;
  background: #fff;
  border: 1px solid var(--ryf-line);
  box-shadow: 0 14px 36px rgba(14,36,56,.05);
}
.nx-main .card h2 {
  font-family: inherit !important;
  color: var(--ryf-ink);
  font-weight: 900;
}
.nx-success-mark {
  width: 56px; height: 56px; margin: 0 auto 12px;
  border-radius: 50%; display: grid; place-items: center;
  background: #eef8f6; color: var(--ryf-mint);
  font-size: 24px; font-weight: 900;
}
.nx-main .field { display: grid; gap: 6px; margin-bottom: 12px; }
.nx-main .field span { color: var(--ryf-gold-deep); font-size: 12px; font-weight: 800; }
.nx-main .field input, .nx-main .field select, .nx-main .field textarea {
  min-height: 44px; padding: 10px 12px; border-radius: 10px;
  border: 1px solid var(--ryf-line); background: var(--ryf-ivory);
  color: var(--ryf-ink); font: inherit;
}
.nx-main .grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px 14px; }
.nx-main .btn, .nx-main .nx-btn {
  display: inline-flex; align-items: center; justify-content: center;
  min-height: 44px; padding: 0 18px; border-radius: 10px; border: 0;
  font-weight: 800; cursor: pointer; text-decoration: none;
}
.nx-main .btn, .nx-main .nx-btn-gold {
  background: linear-gradient(135deg, #efd28a, var(--ryf-gold)); color: var(--ryf-ink);
}
.nx-main .btn.secondary {
  background: #fff; color: var(--ryf-ink); border: 1.5px solid rgba(14,36,56,.18);
}
.nx-main .alert {
  margin-bottom: 14px; padding: 12px 14px; border-radius: 12px; font-size: 13px; font-weight: 700;
}
.nx-main .alert.ok { background: #eef8f6; color: var(--ryf-ink); border-left: 3px solid var(--ryf-mint); }
.nx-main .alert.err { background: #fff4f0; color: #8a3b28; border-left: 3px solid #c45c3a; }
.nx-main .alert.debug { background: var(--ryf-ivory); color: var(--ryf-muted); border: 1px dashed var(--ryf-line); }
@media (max-width: 720px) {
  .nx-main .grid-2 { grid-template-columns: 1fr; }
}

@media (max-width: 900px) {
  .apply-layout { grid-template-columns: 1fr; }
  .apply-aside { position: static; }
  .ryf-ad-board--card { grid-template-columns: 1fr; }
  .ryf-ad-board--list .ryf-ad-item {
    grid-template-columns: 1fr;
    gap: 12px;
    padding: 14px 14px 14px 16px;
  }
  .ryf-ad-board--list .ryf-ad-aside {
    width: auto;
  }
  .ryf-ad-board--list .ryf-ad-phone {
    display: flex;
    align-items: baseline;
    justify-content: space-between;
    gap: 12px;
    text-align: left;
  }
  .ryf-ad-board--list .ryf-ad-summary {
    -webkit-line-clamp: 2;
  }
  .ryf-ads-filter { align-items: stretch; }
  .ryf-ads-filter-actions { width: 100%; }
  .ryf-ads-filter-actions .ryf-btn { flex: 1; }
  .ryf-ads-toolbar { flex-direction: column; align-items: stretch; gap: 12px; }
  .ryf-ads-view-toggle { align-self: flex-start; }
}
@media (max-width: 720px) {
  .info-panel, .info-body { padding: 20px 16px; }
  .info-nav a { padding: 9px 12px; font-size: 12px; }
  .nx-page-hero { width: 100%; max-width: none; padding: 0; }
  .ryf-hero-shell--page { padding: 44px 0 40px; }
  .nx-faq-list details p { margin-left: 0; }
}

@media (max-width: 980px) {
  .ryf-nav {
    display: none; position: fixed; inset: 72px 16px auto;
    padding: 18px; flex-direction: column; align-items: stretch; gap: 4px;
    background: #fff; border-radius: 16px; box-shadow: 0 24px 60px rgba(14,36,56,.16); z-index: 60;
  }
  body.nx-menu-open .ryf-nav { display: flex; }
  .ryf-nav a { padding: 12px 10px; border-radius: 10px; }
  .ryf-nav-login-m { display: block; }
  .ryf-link-quiet { display: none; }
  .ryf-burger { display: inline-grid !important; place-items: center; }
  .ryf-rulebar-inner,
  .ryf-timeline-item,
  .ryf-timeline-item.is-flip,
  .ryf-promise-grid,
  .ryf-cost-split,
  .ryf-guide-cards,
  .ryf-partner-band,
  .ryf-faq-split,
  .ryf-footer-grid,
  .ryf-hero-layout,
  .ryf-cost-grid4,
  .ryf-steps3,
  .ryf-operator { grid-template-columns: 1fr; }
  .ryf-hero-shell {
    min-height: auto;
    padding: 36px 0 44px;
    align-items: flex-end;
  }
  .ryf-hero-shell--page {
    min-height: 280px;
    padding: 44px 0 40px;
    align-items: center;
  }
  .ryf-hero-bg::after {
    background:
      linear-gradient(180deg, rgba(247,244,239,.35) 0%, rgba(247,244,239,.88) 42%, rgba(247,244,239,.98) 100%);
  }
  .ryf-hero-copy { max-width: none; }
  .ryf-hero-watermark { width: 160px; opacity: .06; top: 8%; right: -10px; }
  .ryf-hero-doc { display: none; }
  .ryf-hero-doc-grid { display: none; }
  .ryf-rulebar-inner > div { border-right: 0; border-bottom: 1px solid var(--ryf-line); padding: 14px 0; }
  .ryf-rulebar-inner > div:last-child { border-bottom: 0; }
  .ryf-partner-band-copy { padding: 28px 22px; }
  .ryf-cost-photo { min-height: 240px; }
}
@media (max-width: 640px) {
  .ryf-header-inner { min-height: 64px; }
  .ryf-section { padding: 52px 0; }
  .ryf-hero-cta .ryf-btn { width: 100%; }
  .ryf-title { font-size: clamp(2rem, 8vw, 2.6rem); }
  .ryf-cost-facts dl > div { grid-template-columns: 1fr; gap: 4px; }
}