/* RTS Financial Group - 2026 refresh layer. Loaded AFTER style.css on inner pages.
   Undo: remove the one <link> to rts2.css (or re-upload the previous pages). */
:root{
  --r2-navy:#0E2236; --r2-navy-2:#16324B; --r2-navy-3:#1F4466;
  --r2-ink:#132433; --r2-ink-2:#4A5A69; --r2-line:#DDE3EA; --r2-paper:#F6F7F9;
  --r2-brass:#B08A45; --r2-brass-deep:#7A5C29; --r2-brass-soft:#E9D9B6;
  --r2-on-navy:#E8EEF4; --r2-on-navy-2:#A9BACB;
  --r2-shadow:0 2px 4px rgba(14,34,54,.05),0 24px 44px -20px rgba(14,34,54,.35);
}
body{background:#FFFFFF;color:var(--r2-ink)}
:focus-visible{outline:3px solid var(--r2-brass);outline-offset:3px}
h1,h2,h3{text-wrap:balance;letter-spacing:-.01em}

/* Top bar */
.topbar{background:var(--r2-navy);color:var(--r2-on-navy-2);font-size:.82rem;border:0}
.topbar .wrap{display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap;padding-top:.5rem;padding-bottom:.5rem}
.topbar a{color:var(--r2-on-navy);text-decoration:none}
.topbar a:hover{color:var(--r2-brass-soft)}
@media (max-width:640px){.topbar .wrap > span:first-child{display:none}}

/* Header */
.site-header{position:sticky;top:env(safe-area-inset-top,0px);z-index:20;background:rgba(14,34,54,.94);-webkit-backdrop-filter:saturate(140%) blur(12px);backdrop-filter:saturate(140%) blur(12px);border-bottom:1px solid rgba(232,238,244,.08);color:var(--r2-on-navy);box-shadow:none}
.site-header .wrap{display:flex;align-items:center;gap:1.5rem;padding-top:.85rem;padding-bottom:.85rem;position:static}
.brand{display:flex;align-items:center;gap:.8rem;text-decoration:none;color:#FFFFFF;flex:none}
.brand__mark{display:grid;place-items:center;width:44px;height:44px;border-radius:10px;background:linear-gradient(145deg,#C49C55,var(--r2-brass-deep));color:#120D03;font:700 .95rem/1 var(--serif);letter-spacing:.04em;box-shadow:inset 0 1px 0 rgba(255,255,255,.35);border:0}
.brand__text{display:flex;flex-direction:column;line-height:1.1;white-space:nowrap}
.brand__name{font:600 1.12rem/1.1 var(--serif);color:#FFFFFF}
.brand__sub{font:500 .64rem/1.4 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--r2-on-navy-2)}
.nav{display:flex;gap:.25rem;margin-left:auto}
.nav a{text-decoration:none;color:var(--r2-on-navy-2);font-weight:500;font-size:.95rem;padding:.5rem .7rem;border-radius:8px;border:0;transition:color .2s,background .2s}
.nav a:hover,.nav a[aria-current="page"]{color:#FFFFFF;background:rgba(255,255,255,.07)}
.nav a::after{display:none}
.nav__extra{display:none}
.header-cta{display:flex;gap:.5rem;align-items:center}
.header-cta .btn{padding:.65rem .95rem;font-size:.9rem}
.nav-toggle{display:none;margin-left:auto;background:transparent;color:#FFFFFF;border:1px solid rgba(232,238,244,.35);border-radius:8px;padding:.55rem .9rem;font:600 .9rem var(--sans)}
@media (max-width:1100px){.header-cta .btn--line{display:none}}
@media (max-width:900px){
  .nav-toggle{display:inline-flex}
  .header-cta{display:none}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;flex-direction:column;background:var(--r2-navy);padding:.5rem max(20px,env(safe-area-inset-right,0px)) 1rem max(20px,env(safe-area-inset-left,0px));border-bottom:1px solid rgba(232,238,244,.1);margin:0}
  .nav.open{display:flex}
  .nav a{padding:.8rem .6rem;font-size:1.05rem}
  .nav .nav__extra{display:block}
}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;font:600 .98rem/1 var(--sans);text-decoration:none;padding:.95rem 1.35rem;border-radius:10px;border:1px solid transparent;transition:transform .2s ease,box-shadow .2s ease,background .2s ease,color .2s ease,border-color .2s ease;white-space:nowrap}
.btn:hover{transform:translateY(-2px)}
.btn--primary{background:var(--r2-navy-2);color:#FFFFFF;border-color:var(--r2-navy-2)}
.btn--primary:hover{background:var(--r2-navy-3);border-color:var(--r2-navy-3);box-shadow:var(--r2-shadow);color:#FFFFFF}
.btn--ghost{background:#FFFFFF;color:var(--r2-ink);border-color:var(--r2-line)}
.btn--ghost:hover{border-color:var(--r2-ink-2);color:var(--r2-ink);background:#FFFFFF}
.btn--brass{background:linear-gradient(180deg,#C49C55,var(--r2-brass));color:#1A1406;border-color:transparent;box-shadow:0 10px 24px -10px rgba(176,138,69,.7),inset 0 1px 0 rgba(255,255,255,.35)}
.btn--brass:hover{color:#1A1406;box-shadow:0 16px 30px -12px rgba(176,138,69,.85),inset 0 1px 0 rgba(255,255,255,.35)}
.btn--onnavy,.btn--line{background:rgba(255,255,255,.04);color:var(--r2-on-navy);border-color:rgba(232,238,244,.35)}
.btn--onnavy:hover,.btn--line:hover{background:rgba(255,255,255,.08);border-color:var(--r2-on-navy);color:#FFFFFF}

/* Page hero: navy with a faint ledger grid */
.hero{position:relative;overflow:hidden;background:radial-gradient(1000px 500px at 90% -20%,#24527A 0%,transparent 60%),var(--r2-navy);color:var(--r2-on-navy);border:0;padding-top:clamp(3rem,6vw,5rem);padding-bottom:clamp(3rem,6vw,5rem)}
.hero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(232,238,244,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(232,238,244,.045) 1px,transparent 1px);background-size:44px 44px;-webkit-mask-image:radial-gradient(ellipse at 80% 30%,#000 0%,transparent 70%);mask-image:radial-gradient(ellipse at 80% 30%,#000 0%,transparent 70%);pointer-events:none}
.hero .wrap{position:relative}
.hero h1{color:#FFFFFF;font-size:clamp(2.2rem,1.3rem + 3vw,3.6rem);line-height:1.1}
.hero .lede{color:var(--r2-on-navy-2)}
.hero .lede a{color:var(--r2-brass-soft)}
.hero .eyebrow{color:var(--r2-brass-soft)}
.hero .btn--primary{background:linear-gradient(180deg,#C49C55,var(--r2-brass));color:#1A1406;border-color:transparent}
.hero .btn--ghost{background:rgba(255,255,255,.04);color:var(--r2-on-navy);border-color:rgba(232,238,244,.35)}

.eyebrow{font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--r2-brass-deep)}

/* Sections, cards, chips */
.section--paper{background:var(--r2-paper)}
.card{border:1px solid var(--r2-line);border-radius:14px;background:#FFFFFF;box-shadow:none;transition:transform .35s cubic-bezier(.2,.7,.2,1),box-shadow .35s,border-color .35s}
.card:hover{transform:translateY(-4px);box-shadow:var(--r2-shadow);border-color:transparent}
form .card:hover,.contact-grid .card:hover{transform:none}
.chip{border-radius:999px;background:#FFFFFF;border:1px solid var(--r2-line);color:var(--r2-ink);transition:border-color .2s,transform .2s}
.chip:hover{border-color:var(--r2-brass);transform:translateY(-1px)}
.faq details{transition:box-shadow .3s}
.faq details[open]{box-shadow:var(--r2-shadow)}
.rate{color:var(--r2-navy-2)}

/* Call-to-action band */
.band{position:relative;overflow:hidden;background:linear-gradient(120deg,var(--r2-navy-2),var(--r2-navy));color:var(--r2-on-navy)}
.band::before{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;border:1px solid rgba(176,138,69,.35);box-shadow:0 0 0 60px rgba(176,138,69,.05),0 0 0 120px rgba(176,138,69,.03);pointer-events:none}
.band .wrap{position:relative}
.band h2{color:#FFFFFF}
.band p{color:var(--r2-on-navy-2)}

/* Footer */
.site-footer{background:#0A1928;color:var(--r2-on-navy-2);font-size:.93rem;border:0}
.site-footer a{text-decoration:none;color:var(--r2-on-navy)}
.site-footer a:hover{color:var(--r2-brass-soft)}
.footer-brand{font:600 1.2rem var(--serif);color:#FFFFFF}
.footer-h{font:600 .74rem/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--r2-brass-soft);margin-bottom:.9rem}
.footer-bottom{border-top:1px solid rgba(232,238,244,.1);color:var(--r2-on-navy-2)}

.footer-grid{grid-template-columns:1.3fr 1fr 1fr 1fr}
@media (max-width:860px){.footer-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.footer-grid{grid-template-columns:1fr}}
a.card{display:flex;flex-direction:column;gap:.6rem;text-decoration:none;color:inherit}
a.card .more{margin-top:auto;font-weight:600;font-size:.92rem;color:var(--r2-brass-deep)}
a.card .more::after{content:" \2192"}
.header-cta .btn--line{display:none}
@media (max-width:1200px){.header-cta{display:none}}
@media (max-width:380px){.brand__sub{display:none}}
@media (max-width:560px){.brand__sub{font-size:.56rem;letter-spacing:.06em}.brand__name{font-size:1rem}.brand{gap:.6rem}.brand__mark{width:38px;height:38px}.site-header .wrap{gap:.75rem}}
@media (prefers-reduced-motion:reduce){*,*::before,*::after{transition:none!important;animation:none!important}}