/* ============================================================
   Royal Financial Group - Services page styles
   Loaded by services.html after style.css and footer.css.
   After editing, change ?v=1 to ?v=2 in services.html.
   ============================================================ */
 
/* ---------- Design system (shared by every section) ---------- */
  /* ============================================================
     Royal Financial Group — Services page body
     Design system shared by every section below (and by the final
     CTA banner outside <main>, via the .rfg-final-cta selector).
     Light backgrounds only, per brand guidance: white / soft blue /
     light gradients, with navy reserved for the Capital Network
     section and the closing CTA. Poppins for headings, Roboto for
     body copy, loaded via the <link> above since <head> is left
     untouched.
     ============================================================ */
  .rfg-svc, .rfg-final-cta{
    --navy:#0A3C6E;
    --navy-deep:#082f57;
    --blue:#1783C1;
    --charcoal:#333333;
    --white:#FFFFFF;
    --bg-soft:#F8FBFF;
    --bg-soft-2:#F5FAFF;
    --bg-soft-3:#F0F7FD;
    --line:#E3EEF7;
    --shadow-rest: 0 2px 6px rgba(10,60,110,.05), 0 10px 24px rgba(10,60,110,.06);
    --shadow-hover: 0 10px 20px rgba(10,60,110,.08), 0 28px 54px rgba(10,60,110,.14);
    --font-head:'Poppins','Segoe UI',Arial,sans-serif;
    --font-body:'Roboto','Segoe UI',Arial,sans-serif;
    display:block;
    font-family:var(--font-body);
    color:var(--charcoal);
  }
  .rfg-svc *, .rfg-final-cta *{ box-sizing:border-box; }
  .rfg-svc img{ max-width:100%; display:block; }
  .rfg-wrap{ max-width:1400px; margin:0 auto; padding:0 28px; }
 
  .rfg-eyebrow{
    display:inline-flex; align-items:center; gap:8px;
    padding:8px 20px; border-radius:999px;
    background:#fff; border:1px solid rgba(23,131,193,.28);
    font-family:var(--font-head); font-weight:600; font-size:12.5px;
    letter-spacing:.14em; text-transform:uppercase; color:var(--navy-deep);
    margin:0 0 20px;
  }
  .rfg-eyebrow::before{ content:""; width:7px; height:7px; border-radius:50%; background:var(--blue); flex:0 0 auto; }
  .rfg-eyebrow--onink{ background:rgba(255,255,255,.12); border-color:rgba(255,255,255,.35); color:#fff; }
  .rfg-eyebrow--onink::before{ background:#fff; }
 
  .rfg-h2{ font-family:var(--font-head); font-weight:700; font-size:clamp(28px,3.6vw,42px); line-height:1.22; color:var(--navy); margin:0 0 18px; text-wrap:balance; }
  .rfg-h2--onink{ color:#fff; }
  .rfg-lede{ font-family:var(--font-body); font-weight:400; font-size:17px; line-height:1.75; color:var(--charcoal); margin:0; text-wrap:balance; }
  .rfg-lede--onink{ color:rgba(255,255,255,.86); }
  .rfg-section-head{ max-width:760px; margin:0 auto 56px; text-align:center; }
  .rfg-section-head--left{ margin:0 0 48px; text-align:left; max-width:640px; }
 
  .rfg-btn{
    display:inline-flex; align-items:center; gap:10px;
    padding:.95em 1.7em; border-radius:999px;
    font-family:var(--font-head); font-weight:600; font-size:14.5px;
    text-decoration:none; border:1.5px solid transparent; cursor:pointer;
    transition:transform .3s cubic-bezier(.22,.61,.36,1), box-shadow .3s ease, background .3s ease, color .3s ease, border-color .3s ease;
  }
  .rfg-btn--primary{ background:linear-gradient(135deg, var(--blue), var(--navy)); color:#fff; }
  .rfg-btn--primary:hover{ transform:translateY(-3px); box-shadow:0 16px 30px -14px rgba(10,60,110,.55); }
  .rfg-btn--ghost{ background:rgba(255,255,255,.08); border-color:rgba(255,255,255,.55); color:#fff; }
  .rfg-btn--ghost:hover{ background:rgba(255,255,255,.16); border-color:#fff; transform:translateY(-3px); }
  .rfg-btn--outline{ background:#fff; border-color:var(--line); color:var(--navy); }
  .rfg-btn--outline:hover{ border-color:var(--blue); color:var(--blue); transform:translateY(-3px); box-shadow:var(--shadow-hover); }
  .rfg-btn svg{ width:16px; height:16px; }
 
  .rfg-svc [data-reveal], .rfg-final-cta [data-reveal]{
    opacity:0; transform:translateY(26px);
    transition:opacity .7s ease, transform .7s ease;
    transition-delay:calc(var(--i,0) * 90ms);
  }
  .rfg-svc [data-reveal].is-visible, .rfg-final-cta [data-reveal].is-visible{ opacity:1; transform:none; }
  @media (prefers-reduced-motion: reduce){
    .rfg-svc [data-reveal], .rfg-final-cta [data-reveal]{ transition:none !important; opacity:1 !important; transform:none !important; animation:none !important; }
    .rfg-svc *, .rfg-final-cta *{ scroll-behavior:auto !important; }
  }
 
  /* Reusable premium card, shared by Who We Help, Capital & Transactions,
     Management Consultancy, Why RFG and Deliverables */
  .rfg-card{
    position:relative;
    background:#fff;
    border:1px solid var(--line);
    border-radius:20px;
    padding:34px 28px 30px;
    box-shadow:var(--shadow-rest);
    transition:transform .45s cubic-bezier(.22,.61,.36,1), box-shadow .45s ease, border-color .45s ease;
  }
  .rfg-card::before{
    content:""; position:absolute; inset:0; border-radius:inherit; padding:1px;
    background:linear-gradient(135deg, rgba(23,131,193,0) 40%, rgba(23,131,193,.4) 100%);
    -webkit-mask:linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0);
    -webkit-mask-composite:xor; mask-composite:exclude;
    opacity:0; transition:opacity .45s ease; pointer-events:none;
  }
  .rfg-card:hover, .rfg-card:focus-within{ transform:translateY(-8px); box-shadow:var(--shadow-hover); border-color:rgba(23,131,193,.3); }
  .rfg-card:hover::before{ opacity:1; }
  .rfg-card__icon{
    display:inline-flex; align-items:center; justify-content:center;
    width:56px; height:56px; margin-bottom:20px; border-radius:16px;
    background:linear-gradient(160deg,#eef6fc,#e4f0fa); color:var(--navy);
    transition:transform .45s cubic-bezier(.22,.61,.36,1), background .35s ease, color .35s ease;
  }
  .rfg-card__icon svg{ width:26px; height:26px; }
  .rfg-card:hover .rfg-card__icon{ transform:scale(1.08) rotate(-4deg); color:var(--blue); background:linear-gradient(160deg,#e4f1fb,#d9edfa); }
  .rfg-card__title{ font-family:var(--font-head); font-weight:600; font-size:18.5px; color:var(--navy); margin:0 0 10px; }
  .rfg-card__desc{ font-size:14.5px; line-height:1.7; color:var(--charcoal); margin:0; }
  .rfg-card__more{
    display:inline-flex; align-items:center; gap:6px; margin-top:16px;
    font-family:var(--font-head); font-weight:600; font-size:13.5px; color:var(--blue);
    background:none; border:none; padding:0; cursor:pointer;
  }
  .rfg-card__more svg{ width:13px; height:13px; transition:transform .3s ease; }
  .rfg-card__more[aria-expanded="true"] svg{ transform:rotate(180deg); }
  .rfg-card__extra{
    max-height:0; overflow:hidden; opacity:0; visibility:hidden;
    transition:max-height .4s ease, opacity .4s ease, margin-top .4s ease, visibility .4s;
    font-size:14px; line-height:1.7; color:var(--charcoal); margin-top:0;
  }
  .rfg-card__extra.is-open{ max-height:360px; opacity:1; visibility:visible; margin-top:14px; }
  .rfg-card__accent{
    position:absolute; left:28px; right:28px; bottom:0; height:3px; border-radius:3px 3px 0 0;
    background:linear-gradient(90deg, var(--navy), var(--blue));
    transform:scaleX(0); transform-origin:left; transition:transform .45s cubic-bezier(.22,.61,.36,1);
  }
  .rfg-card:hover .rfg-card__accent{ transform:scaleX(1); }
  .rfg-card--glass{
    background:linear-gradient(180deg, rgba(255,255,255,.9), rgba(248,251,255,.9));
    backdrop-filter:blur(6px); -webkit-backdrop-filter:blur(6px);
  }
  .rfg-card--glass{ position:relative; }
  .rfg-card--glass::after{
    content:""; position:absolute; inset:0; border-radius:inherit; pointer-events:none; overflow:hidden;
    background:linear-gradient(115deg, rgba(255,255,255,0) 35%, rgba(255,255,255,.55) 50%, rgba(255,255,255,0) 65%);
    background-size:250% 250%; background-position:-40% -40%; opacity:0;
    transition:opacity .3s ease;
  }
  .rfg-card--glass:hover::after{ opacity:1; animation:rfg-sheen 1.1s ease forwards; }
  @keyframes rfg-sheen{ from{ background-position:-40% -40%; } to{ background-position:140% 140%; } }
  @media (prefers-reduced-motion: reduce){ .rfg-card--glass::after{ display:none; } }
 
  .rfg-stat__num{ font-family:var(--font-head); font-weight:700; font-size:clamp(30px,4vw,44px); line-height:1; }
  .rfg-stat__label{ font-size:13.5px; letter-spacing:.02em; margin-top:8px; }
 
  @media (max-width:900px){ .rfg-wrap{ padding:0 22px; } }
  @media (max-width:640px){ .rfg-wrap{ padding:0 20px; } }
 
/* ---------- Section 1 - Hero ---------- */
    .rfg-hero{ position:relative; overflow:clip; padding:0; min-height:min(880px,94vh); display:flex; align-items:center; }
    .rfg-hero__bg{ position:absolute; inset:-40px 0 0 0; z-index:0; will-change:transform; transform-origin:center; }
    .rfg-hero__bg img{ width:100%; height:100%; object-fit:cover; }
    .rfg-hero__bg::after{
      content:""; position:absolute; inset:0;
      background:linear-gradient(115deg, rgba(6,22,40,.93) 0%, rgba(10,60,110,.8) 40%, rgba(10,60,110,.4) 66%, rgba(10,60,110,.16) 100%);
    }
    .rfg-hero__bg::before{
      content:""; position:absolute; inset:0; z-index:1;
      background:linear-gradient(0deg, rgba(6,20,36,.6) 0%, rgba(6,20,36,0) 32%);
    }
    .rfg-hero__grid{
      position:absolute; inset:0; z-index:1; opacity:.14; pointer-events:none;
      background-image:linear-gradient(rgba(255,255,255,.5) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.5) 1px, transparent 1px);
      background-size:64px 64px;
      -webkit-mask-image:linear-gradient(115deg, #000 0%, #000 55%, transparent 85%);
      mask-image:linear-gradient(115deg, #000 0%, #000 55%, transparent 85%);
    }
    .rfg-hero__inner{ position:relative; z-index:2; padding:150px 28px 96px; width:100%; }
    .rfg-hero__layout{ display:grid; grid-template-columns:minmax(0,1.05fr) minmax(0,0.75fr); gap:56px; align-items:center; }
    .rfg-hero__frame{
      position:relative; z-index:1; width:100%; max-width:400px; aspect-ratio:3/4; margin-left:auto;
      border:1.5px solid rgba(255,255,255,.4); border-radius:6px;
    }
    .rfg-hero__frame::before, .rfg-hero__frame::after{ content:""; position:absolute; width:34px; height:34px; border-color:#8fd0ff; }
    .rfg-hero__frame::before{ top:-1.5px; left:-1.5px; border-top:3px solid; border-left:3px solid; }
    .rfg-hero__frame::after{ bottom:-1.5px; right:-1.5px; border-bottom:3px solid; border-right:3px solid; }
    .rfg-hero__credential{
      position:absolute; left:-34px; bottom:-30px; z-index:3; width:238px; padding:20px 22px;
      background:rgba(10,32,58,.55); border:1px solid rgba(255,255,255,.28); border-radius:14px;
      backdrop-filter:blur(14px); -webkit-backdrop-filter:blur(14px);
      box-shadow:0 24px 50px -20px rgba(0,0,0,.55);
    }
    .rfg-hero__credential .num{ font-family:var(--font-head); font-weight:700; font-size:26px; color:#fff; line-height:1; }
    .rfg-hero__credential .lbl{ font-size:12px; color:rgba(255,255,255,.78); margin-top:6px; line-height:1.4; }
    .rfg-hero__scroll{ position:absolute; left:50%; bottom:28px; transform:translateX(-50%); z-index:2; display:flex; flex-direction:column; align-items:center; gap:8px; color:rgba(255,255,255,.7); font-family:var(--font-head); font-size:11px; letter-spacing:.14em; text-transform:uppercase; }
    .rfg-hero__scroll svg{ width:16px; height:16px; animation:rfg-scroll-bob 1.8s ease-in-out infinite; }
    @keyframes rfg-scroll-bob{ 0%,100%{ transform:translateY(0); opacity:.6; } 50%{ transform:translateY(6px); opacity:1; } }
    @media (prefers-reduced-motion: reduce){ .rfg-hero__scroll svg{ animation:none; } }
    @media (max-width:1080px){ .rfg-hero__layout{ grid-template-columns:1fr; } .rfg-hero__frame{ display:none; } }
    @media (max-width:760px){ .rfg-hero__scroll{ display:none; } .rfg-hero{ min-height:0; } }
    .rfg-breadcrumb{ margin:0 0 28px; }
    .rfg-breadcrumb ol{ list-style:none; display:flex; align-items:center; gap:8px; margin:0; padding:0; font-family:var(--font-head); font-size:13px; color:rgba(255,255,255,.75); }
    .rfg-breadcrumb a{ display:inline-flex; align-items:center; gap:6px; color:rgba(255,255,255,.75); text-decoration:none; }
    .rfg-breadcrumb a svg{ width:13px; height:13px; }
    .rfg-breadcrumb a:hover{ color:#fff; }
    .rfg-breadcrumb li:not(:last-child)::after{ content:"/"; margin-left:8px; color:rgba(255,255,255,.4); }
    .rfg-breadcrumb li{ display:inline-flex; }
    .rfg-breadcrumb li[aria-current] { color:#fff; }
    .rfg-hero__title{ font-family:var(--font-head); font-weight:700; font-size:clamp(32px,4.4vw,52px); line-height:1.16; color:#fff; margin:0 0 22px; text-wrap:balance; }
    .rfg-hero__title .hl{ background:linear-gradient(100deg,#8fd0ff,#c9e6ff 60%,#8fd0ff); -webkit-background-clip:text; background-clip:text; color:transparent; background-size:220% 100%; animation:rfg-hl-shine 6s ease-in-out infinite; }
    @keyframes rfg-hl-shine{ 0%,100%{ background-position:0% 0%; } 50%{ background-position:100% 0%; } }
    .rfg-hero__lede{ max-width:56ch; margin-bottom:36px; }
    .rfg-hero__trustline{ display:flex; flex-wrap:wrap; gap:10px 22px; margin:0 0 36px; padding:0; list-style:none; }
    .rfg-hero__trustline li{ display:inline-flex; align-items:center; gap:8px; font-size:12.5px; color:rgba(255,255,255,.78); font-family:var(--font-head); font-weight:500; letter-spacing:.02em; }
    .rfg-hero__trustline svg{ width:14px; height:14px; color:#8fd0ff; flex:0 0 auto; }
    .rfg-hero__actions{ display:flex; flex-wrap:wrap; gap:16px; margin-bottom:56px; }
    .rfg-hero__actions .rfg-btn svg{ transition:transform .3s ease; }
    .rfg-hero__actions .rfg-btn:hover svg{ transform:translateX(3px); }
    .rfg-hero__stats{ display:grid; grid-template-columns:repeat(3, minmax(0,1fr)); gap:0; max-width:620px; }
    .rfg-hero__stats .rfg-stat{
      padding:20px 20px; text-align:left;
      background:rgba(255,255,255,.05); border:1px solid rgba(255,255,255,.14); border-left:none;
      backdrop-filter:blur(10px); -webkit-backdrop-filter:blur(10px);
      transition:background .3s ease, border-color .3s ease, transform .3s ease;
    }
    .rfg-hero__stats .rfg-stat:first-child{ border-left:1px solid rgba(255,255,255,.14); border-radius:12px 0 0 12px; }
    .rfg-hero__stats .rfg-stat:last-child{ border-radius:0 12px 12px 0; }
    .rfg-hero__stats .rfg-stat:hover{ background:rgba(255,255,255,.1); border-color:rgba(143,208,255,.4); transform:translateY(-3px); }
    .rfg-hero__stats .rfg-stat__num{ color:#fff; text-shadow:0 2px 18px rgba(0,0,0,.25); display:block; }
    .rfg-hero__stats .rfg-stat__label{ color:rgba(255,255,255,.78); display:block; font-size:12px; }
    .rfg-hero__eyebrow-glow{ position:absolute; top:-140px; left:50%; transform:translateX(-50%); width:640px; height:640px; border-radius:50%; background:radial-gradient(circle, rgba(23,131,193,.35), rgba(23,131,193,0) 70%); z-index:1; pointer-events:none; filter:blur(10px); }
    .rfg-btn--primary{ background-size:200% 200%; background-position:0% 50%; animation:rfg-btn-shimmer 5s ease-in-out infinite; }
    @keyframes rfg-btn-shimmer{ 0%,100%{ background-position:0% 50%; } 50%{ background-position:100% 50%; } }
    @media (prefers-reduced-motion: reduce){ .rfg-btn--primary{ animation:none; } .rfg-hero__title .hl{ animation:none; } }
    @media (max-width:760px){
      .rfg-hero__inner{ padding:140px 20px 88px; }
      .rfg-hero__stats{ grid-template-columns:1fr; gap:10px; max-width:320px; }
      .rfg-hero__stats .rfg-stat{ border-radius:12px !important; border-left:1px solid rgba(255,255,255,.14) !important; }
    }
  
 
/* ---------- Section 2 - Who We Help ---------- */
    .rfg-audience .wrap-pad{ padding:110px 0; }
    .rfg-audience__grid{ display:grid; grid-template-columns:repeat(3, minmax(0,1fr)); gap:28px; }
    @media (max-width:980px){ .rfg-audience__grid{ grid-template-columns:repeat(2, minmax(0,1fr)); } }
    @media (max-width:600px){ .rfg-audience__grid{ grid-template-columns:1fr; } }
  
 
/* ---------- Section 3 - Capital & Transactions ---------- */
    .rfg-capital{ position:relative; overflow:clip; }
    .rfg-capital .wrap-pad{ padding:110px 0; position:relative; z-index:1; }
    .rfg-capital__bg{ position:absolute; inset:0; z-index:0; pointer-events:none; }
    .rfg-capital__bg span{ position:absolute; border-radius:50%; filter:blur(80px); opacity:.55; }
    .rfg-capital__bg span.a{ width:480px; height:480px; top:-200px; right:-140px; background:radial-gradient(circle at 30% 30%, rgba(23,131,193,.16), rgba(23,131,193,0) 70%); }
    .rfg-capital__bg span.b{ width:420px; height:420px; bottom:-180px; left:-120px; background:radial-gradient(circle at 60% 60%, rgba(10,60,110,.1), rgba(10,60,110,0) 70%); }
    .rfg-capital__grid{ display:grid; grid-template-columns:repeat(3, minmax(0,1fr)); gap:30px; }
    @media (min-width:1081px){ .rfg-capital__grid > :nth-child(7){ grid-column:2/3; } }
    @media (max-width:1080px) and (min-width:641px){ .rfg-capital__grid{ grid-template-columns:repeat(2, minmax(0,1fr)); } .rfg-capital__grid > :nth-child(7){ grid-column:1/-1; max-width:calc(50% - 15px); margin:0 auto; } }
    @media (max-width:640px){ .rfg-capital__grid{ grid-template-columns:1fr; } }
    .rfg-capital .rfg-card{ background:linear-gradient(180deg, rgba(255,255,255,.92) 0%, rgba(248,251,255,.92) 100%); backdrop-filter:blur(8px); -webkit-backdrop-filter:blur(8px); }
  
 
/* ---------- Section 4 - Capital Network ---------- */
    .rfg-network{ position:relative; overflow:clip; background:linear-gradient(160deg, var(--navy) 0%, var(--navy-deep) 55%, #0c4a86 100%); }
    .rfg-network{ background-size:180% 180%; animation:rfg-network-drift 16s ease-in-out infinite; }
    @keyframes rfg-network-drift{ 0%,100%{ background-position:0% 0%; } 50%{ background-position:100% 60%; } }
    @media (prefers-reduced-motion: reduce){ .rfg-network{ animation:none; } }
    .rfg-network .wrap-pad{ padding:110px 0; position:relative; z-index:1; }
    .rfg-network__bg{ position:absolute; inset:0; z-index:0; pointer-events:none; opacity:.5; }
    .rfg-network__bg svg{ width:100%; height:100%; }
    .rfg-network__lead{ max-width:820px; margin:0 auto 56px; text-align:center; }
    .rfg-network__grid{ display:grid; grid-template-columns:repeat(5, minmax(0,1fr)); gap:18px; margin-bottom:20px; }
    .rfg-network__chip{
      position:relative; overflow:hidden;
      background:rgba(255,255,255,.06); border:1px solid rgba(255,255,255,.16); border-radius:16px;
      padding:26px 18px; text-align:center;
      transition:transform .4s cubic-bezier(.22,.61,.36,1), background .35s ease, border-color .35s ease, box-shadow .4s ease;
      animation:rfg-net-float 6s ease-in-out infinite;
    }
    .rfg-network__chip::before{
      content:""; position:absolute; inset:0; border-radius:inherit; opacity:0;
      background:radial-gradient(circle at 50% -10%, rgba(23,131,193,.35), rgba(23,131,193,0) 65%);
      transition:opacity .4s ease;
    }
    .rfg-network__chip:hover{ transform:translateY(-6px); background:rgba(255,255,255,.12); border-color:rgba(143,208,255,.55); box-shadow:0 18px 34px -18px rgba(0,0,0,.5); }
    .rfg-network__chip:hover::before{ opacity:1; }
    .rfg-network__chip .ic{ position:relative; display:inline-flex; align-items:center; justify-content:center; width:46px; height:46px; border-radius:50%; background:rgba(23,131,193,.28); border:1px solid rgba(143,208,255,.4); color:#fff; margin-bottom:14px; transition:transform .4s cubic-bezier(.22,.61,.36,1); }
    .rfg-network__chip:hover .ic{ transform:scale(1.1); }
    .rfg-network__chip .ic svg{ width:22px; height:22px; position:relative; z-index:1; }
    .rfg-network__chip span.label{ display:block; font-family:var(--font-head); font-weight:600; font-size:13px; color:#fff; line-height:1.4; position:relative; z-index:1; }
    @keyframes rfg-net-float{ 0%,100%{ transform:translateY(0); } 50%{ transform:translateY(-6px); } }
    .rfg-network__sub{ text-align:center; font-family:var(--font-head); font-weight:600; font-size:12.5px; letter-spacing:.1em; text-transform:uppercase; color:rgba(255,255,255,.55); margin:0 0 32px; }
    .rfg-network__trust{ display:flex; flex-wrap:wrap; justify-content:center; gap:28px; border-top:1px solid rgba(255,255,255,.22); padding-top:32px; }
    .rfg-network__trust span{ display:inline-flex; align-items:center; gap:9px; color:rgba(255,255,255,.85); font-size:13.5px; }
    .rfg-network__trust svg{ width:16px; height:16px; flex:0 0 auto; color:#8fd0ff; }
    @media (prefers-reduced-motion: reduce){ .rfg-network__chip{ animation:none; } }
    @media (max-width:1080px){ .rfg-network__grid{ grid-template-columns:repeat(3, minmax(0,1fr)); } }
    @media (max-width:640px){ .rfg-network__grid{ grid-template-columns:repeat(2, minmax(0,1fr)); } }
  
 
/* ---------- Section 5 - Analysis & Evidence ---------- */
    .rfg-analysis .wrap-pad{ padding:110px 0; }
    .rfg-analysis__feature{ display:grid; grid-template-columns:minmax(0,0.85fr) minmax(0,1fr); gap:64px; align-items:center; margin-bottom:72px; }
    .rfg-analysis__media{ position:relative; }
    .rfg-analysis__media::before{ content:""; position:absolute; left:-16px; top:16px; width:100%; height:100%; background:linear-gradient(135deg, var(--navy), var(--blue)); border-radius:18px; z-index:0; transition:transform .5s cubic-bezier(.22,.61,.36,1); }
    .rfg-analysis__media:hover::before{ transform:translate(-6px,6px); }
    .rfg-analysis__media img{ position:relative; z-index:1; width:100%; aspect-ratio:4/3; object-fit:cover; border-radius:18px; box-shadow:var(--shadow-hover); transition:transform .5s cubic-bezier(.22,.61,.36,1); }
    .rfg-analysis__media:hover img{ transform:translate(4px,-4px); }
    @media (prefers-reduced-motion: reduce){ .rfg-analysis__media::before, .rfg-analysis__media img{ transition:none; } .rfg-analysis__media:hover::before, .rfg-analysis__media:hover img{ transform:none; } }
    .rfg-analysis__stats{ display:flex; gap:36px; margin-top:28px; }
    .rfg-analysis__stats .rfg-stat__num{ color:var(--navy); }
    .rfg-analysis__stats .rfg-stat__label{ color:var(--charcoal); }
    .rfg-analysis__services{ display:grid; grid-template-columns:repeat(3, minmax(0,1fr)); gap:22px; margin-bottom:64px; }
    .rfg-analysis__item{ background:var(--bg-soft); border:1px solid var(--line); border-radius:16px; padding:24px 22px; transition:transform .35s ease, box-shadow .35s ease, background .35s ease; }
    .rfg-analysis__item:hover{ transform:translateY(-5px); box-shadow:var(--shadow-hover); background:#fff; }
    .rfg-analysis__item .ic{ display:inline-flex; align-items:center; justify-content:center; width:44px; height:44px; border-radius:12px; background:#fff; color:var(--navy); margin-bottom:14px; box-shadow:var(--shadow-rest); }
    .rfg-analysis__item .ic svg{ width:22px; height:22px; }
    .rfg-analysis__item h3{ font-family:var(--font-head); font-weight:600; font-size:16.5px; color:var(--navy); margin:0 0 8px; }
    .rfg-analysis__item p{ font-size:14px; line-height:1.65; color:var(--charcoal); margin:0; }
    .rfg-analysis__timeline{ display:flex; justify-content:space-between; gap:12px; border-top:1px solid var(--line); padding-top:44px; }
    .rfg-analysis__step{ flex:1; text-align:center; position:relative; }
    .rfg-analysis__step::before{ content:""; position:absolute; top:-44px; left:50%; width:100%; height:1px; background:var(--line); }
    .rfg-analysis__step:first-child::before{ left:50%; width:50%; }
    .rfg-analysis__step:last-child::before{ width:50%; }
    .rfg-analysis__step .dot{ width:14px; height:14px; border-radius:50%; background:#fff; border:2px solid var(--blue); margin:-51px auto 14px; position:relative; z-index:1; }
    .rfg-analysis__step h3{ font-family:var(--font-head); font-weight:600; font-size:14.5px; color:var(--navy); margin:0 0 6px; }
    .rfg-analysis__step p{ font-size:12.5px; color:var(--charcoal); margin:0; }
    @media (max-width:980px){
      .rfg-analysis__feature{ grid-template-columns:1fr; }
      .rfg-analysis__services{ grid-template-columns:repeat(2, minmax(0,1fr)); }
      .rfg-analysis__timeline{ flex-wrap:wrap; }
      .rfg-analysis__step{ flex:1 1 40%; }
    }
    @media (max-width:560px){ .rfg-analysis__services{ grid-template-columns:1fr; } }
  
 
/* ---------- Section 6 - Image showcase ---------- */
    .rfg-gallery .wrap-pad{ padding:110px 0; }
    .rfg-gallery__grid{ display:grid; grid-template-columns:repeat(4, minmax(0,1fr)); grid-auto-rows:120px; gap:20px; }
    .rfg-gallery__item{ position:relative; grid-column:span 2; grid-row:span 3; border-radius:18px; overflow:hidden; cursor:zoom-in; box-shadow:var(--shadow-rest); transition:box-shadow .4s ease; }
    .rfg-gallery__item:hover{ box-shadow:var(--shadow-hover); }
    .rfg-gallery__item:nth-child(2), .rfg-gallery__item:nth-child(3){ grid-row:span 2; }
    .rfg-gallery__item img{ width:100%; height:100%; object-fit:cover; transition:transform .7s cubic-bezier(.22,.61,.36,1), filter .5s ease; }
    .rfg-gallery__item:hover img{ transform:scale(1.1); filter:brightness(.9); }
    .rfg-gallery__item::after{ content:""; position:absolute; inset:0; background:linear-gradient(0deg, rgba(8,25,45,.8) 0%, rgba(8,25,45,.15) 55%, rgba(8,25,45,0) 75%); transition:background .4s ease; }
    .rfg-gallery__zoom{ position:absolute; top:20px; right:20px; z-index:2; width:40px; height:40px; border-radius:50%; background:rgba(255,255,255,.14); border:1px solid rgba(255,255,255,.4); backdrop-filter:blur(6px); -webkit-backdrop-filter:blur(6px); display:flex; align-items:center; justify-content:center; color:#fff; opacity:0; transform:scale(.7) rotate(-20deg); transition:opacity .35s ease, transform .35s cubic-bezier(.22,.61,.36,1); }
    .rfg-gallery__zoom svg{ width:18px; height:18px; }
    .rfg-gallery__item:hover .rfg-gallery__zoom, .rfg-gallery__item:focus-visible .rfg-gallery__zoom{ opacity:1; transform:scale(1) rotate(0deg); }
    .rfg-gallery__caption{ position:absolute; left:20px; right:20px; bottom:16px; z-index:1; color:#fff; font-family:var(--font-head); font-weight:600; font-size:15px; transform:translateY(6px); transition:transform .45s cubic-bezier(.22,.61,.36,1); }
    .rfg-gallery__item:hover .rfg-gallery__caption, .rfg-gallery__item:focus-visible .rfg-gallery__caption{ transform:translateY(0); }
    .rfg-gallery__caption span{ display:block; font-family:var(--font-body); font-weight:400; font-size:12px; letter-spacing:.06em; text-transform:uppercase; color:rgba(255,255,255,.75); margin-top:4px; opacity:.85; transform:translateY(4px); transition:transform .45s cubic-bezier(.22,.61,.36,1) .05s, opacity .4s ease .05s; }
    .rfg-gallery__item:hover .rfg-gallery__caption span, .rfg-gallery__item:focus-visible .rfg-gallery__caption span{ transform:translateY(0); opacity:1; }
    .rfg-gallery__item:focus-visible{ outline:3px solid var(--blue); outline-offset:2px; }
    @media (prefers-reduced-motion: reduce){
      .rfg-gallery__item img{ transition:none; }
      .rfg-gallery__zoom, .rfg-gallery__caption, .rfg-gallery__caption span{ transition:none; }
    }
    @media (max-width:900px){
      .rfg-gallery__grid{ grid-template-columns:repeat(2, minmax(0,1fr)); grid-auto-rows:220px; }
      .rfg-gallery__item, .rfg-gallery__item:nth-child(2), .rfg-gallery__item:nth-child(3){ grid-column:span 1; grid-row:span 1; }
    }
  
 
/* ---------- Section 7 - Management consultancy ---------- */
    .rfg-consultancy .wrap-pad{ padding:110px 0; }
    .rfg-consultancy__grid{ display:grid; grid-template-columns:repeat(3, minmax(0,1fr)); gap:28px; }
    .rfg-consultancy .rfg-card{ animation:rfg-consult-float 7s ease-in-out infinite; }
    .rfg-consultancy .rfg-card:nth-child(2n){ animation-delay:1.4s; }
    .rfg-consultancy .rfg-card:nth-child(3n){ animation-delay:2.8s; }
    @keyframes rfg-consult-float{ 0%,100%{ transform:translateY(0); } 50%{ transform:translateY(-5px); } }
    .rfg-consultancy .rfg-card:hover{ animation-play-state:paused; }
    @media (prefers-reduced-motion: reduce){ .rfg-consultancy .rfg-card{ animation:none; } }
    @media (max-width:980px){ .rfg-consultancy__grid{ grid-template-columns:repeat(2, minmax(0,1fr)); } }
    @media (max-width:600px){ .rfg-consultancy__grid{ grid-template-columns:1fr; } }
  
 
/* ---------- Section 8 - Process timeline ---------- */
    .rfg-timeline-section .wrap-pad{ padding:110px 0; }
    .rfg-timeline{ position:relative; display:grid; grid-template-columns:repeat(6, minmax(0,1fr)); gap:16px; margin-top:30px; }
    .rfg-timeline__track{ position:absolute; top:23px; left:calc(100%/12); right:calc(100%/12); height:3px; background:var(--line); z-index:0; border-radius:3px; overflow:hidden; }
    .rfg-timeline__fill{ position:absolute; inset:0; width:0%; background:linear-gradient(90deg, var(--navy), var(--blue)); transition:width 1s cubic-bezier(.22,.61,.36,1); }
    .rfg-timeline__step{ position:relative; z-index:1; text-align:center; }
    .rfg-timeline__num{ position:relative; z-index:2; width:46px; height:46px; margin:0 auto 0; border-radius:50%; background:#fff; border:2px solid var(--line); display:flex; align-items:center; justify-content:center; color:var(--navy); transition:border-color .4s ease, background .4s ease, color .4s ease, transform .4s ease, box-shadow .4s ease; }
    .rfg-timeline__step.is-visible .rfg-timeline__num{ border-color:var(--blue); background:linear-gradient(135deg, var(--blue), var(--navy)); color:#fff; transform:scale(1.08); box-shadow:0 8px 20px -8px rgba(10,60,110,.5); }
    .rfg-timeline__num svg{ width:20px; height:20px; }
    .rfg-timeline__card{
      margin-top:-23px; padding:44px 18px 22px; background:#fff; border:1px solid var(--line); border-radius:16px;
      box-shadow:var(--shadow-rest); transition:transform .4s cubic-bezier(.22,.61,.36,1), box-shadow .4s ease, border-color .4s ease;
    }
    .rfg-timeline__step:hover .rfg-timeline__card{ transform:translateY(-6px); box-shadow:var(--shadow-hover); border-color:rgba(23,131,193,.3); }
    .rfg-timeline__tag{ display:block; font-family:var(--font-head); font-weight:700; font-size:11px; letter-spacing:.1em; color:var(--blue); margin-bottom:8px; }
    .rfg-timeline__step h3{ font-family:var(--font-head); font-weight:600; font-size:15px; color:var(--navy); margin:0 0 8px; }
    .rfg-timeline__step p{ font-size:13px; line-height:1.6; color:var(--charcoal); margin:0; }
    @media (max-width:900px){
      .rfg-timeline{ grid-template-columns:1fr; gap:20px; }
      .rfg-timeline__track{ top:0; bottom:0; left:23px; right:auto; width:3px; height:auto; }
      .rfg-timeline__step{ display:flex; align-items:flex-start; gap:0; text-align:left; }
      .rfg-timeline__num{ margin:0; flex:0 0 auto; }
      .rfg-timeline__card{ margin-top:0; margin-left:16px; padding:18px 20px; flex:1 1 auto; text-align:left; }
      .rfg-timeline__step:hover .rfg-timeline__card{ transform:none; }
    }
  
 
/* ---------- Section 9 - Why Royal Financial Group ---------- */
    .rfg-why .wrap-pad{ padding:110px 0; }
    .rfg-why__grid{ display:grid; grid-template-columns:repeat(3, minmax(0,1fr)); gap:26px; }
    .rfg-why__item{ display:flex; gap:18px; padding:26px; border-radius:16px; transition:background .35s ease, transform .35s ease; }
    .rfg-why__item:hover{ background:var(--bg-soft); transform:translateY(-4px); }
    .rfg-why__item .ic{ flex:0 0 auto; display:flex; align-items:center; justify-content:center; width:48px; height:48px; border-radius:14px; background:linear-gradient(160deg,#eef6fc,#e4f0fa); color:var(--navy); }
    .rfg-why__item .ic svg{ width:24px; height:24px; }
    .rfg-why__item h3{ font-family:var(--font-head); font-weight:600; font-size:16.5px; color:var(--navy); margin:0 0 8px; }
    .rfg-why__item p{ font-size:14px; line-height:1.65; color:var(--charcoal); margin:0; }
    @media (max-width:980px){ .rfg-why__grid{ grid-template-columns:repeat(2, minmax(0,1fr)); } }
    @media (max-width:600px){ .rfg-why__grid{ grid-template-columns:1fr; } }
  
 
/* ---------- Section 10 - Deliverables ---------- */
    .rfg-deliverables .wrap-pad{ padding:110px 0; }
    .rfg-deliverables__grid{ display:grid; grid-template-columns:repeat(4, minmax(0,1fr)); gap:20px; margin-bottom:40px; }
    .rfg-deliverables__card{ background:#fff; border:1px solid var(--line); border-radius:16px; padding:26px 22px; display:flex; align-items:flex-start; gap:14px; transition:transform .35s ease, box-shadow .35s ease, border-color .35s ease; }
    .rfg-deliverables__card:hover{ transform:translateY(-6px); box-shadow:var(--shadow-hover); border-color:rgba(23,131,193,.3); }
    .rfg-deliverables__card .ic{ flex:0 0 auto; display:flex; align-items:center; justify-content:center; width:42px; height:42px; border-radius:12px; background:linear-gradient(160deg,#eef6fc,#e4f0fa); color:var(--navy); }
    .rfg-deliverables__card .ic svg{ width:22px; height:22px; }
    .rfg-deliverables__card p{ margin:0; font-family:var(--font-head); font-weight:600; font-size:15px; color:var(--navy); }
    @media (max-width:1080px){ .rfg-deliverables__grid{ grid-template-columns:repeat(2, minmax(0,1fr)); } }
    @media (max-width:560px){ .rfg-deliverables__grid{ grid-template-columns:1fr; } }
  
 
/* ---------- Section 11 - Insights ---------- */
    .rfg-insights .wrap-pad{ padding:110px 0; }
    .rfg-insights__grid{ display:grid; grid-template-columns:repeat(3, minmax(0,1fr)); gap:28px; }
    .rfg-insights__card{ display:block; text-decoration:none; color:inherit; border:1px solid var(--line); border-radius:18px; overflow:hidden; background:#fff; transition:transform .4s cubic-bezier(.22,.61,.36,1), box-shadow .4s ease, border-color .4s ease; }
    .rfg-insights__card:hover{ transform:translateY(-7px); box-shadow:var(--shadow-hover); border-color:rgba(23,131,193,.3); }
    .rfg-insights__thumb{ aspect-ratio:16/10; overflow:hidden; }
    .rfg-insights__thumb img{ width:100%; height:100%; object-fit:cover; transition:transform .5s ease; }
    .rfg-insights__card:hover .rfg-insights__thumb img{ transform:scale(1.06); }
    .rfg-insights__body{ padding:24px 24px 26px; }
    .rfg-insights__tag{ font-family:var(--font-head); font-weight:600; font-size:11.5px; letter-spacing:.1em; text-transform:uppercase; color:var(--blue); }
    .rfg-insights__body h3{ font-family:var(--font-head); font-weight:600; font-size:18px; color:var(--navy); margin:10px 0 10px; line-height:1.35; }
    .rfg-insights__body p{ font-size:14px; line-height:1.65; color:var(--charcoal); margin:0 0 16px; }
    .rfg-insights__read{ display:inline-flex; align-items:center; gap:6px; font-family:var(--font-head); font-weight:600; font-size:13.5px; color:var(--navy); }
    .rfg-insights__read svg{ width:14px; height:14px; transition:transform .3s ease; }
    .rfg-insights__card:hover .rfg-insights__read svg{ transform:translateX(4px); }
    @media (max-width:980px){ .rfg-insights__grid{ grid-template-columns:1fr; } }
  
 
/* ---------- Section 12 - FAQ ---------- */
    .rfg-faq .wrap-pad{ padding:110px 0; max-width:900px; margin:0 auto; }
    .rfg-faq__list{ border-top:1px solid var(--line); }
    .rfg-faq__item{ border-bottom:1px solid var(--line); padding:6px 0; }
    .rfg-faq__item summary{ list-style:none; cursor:pointer; display:flex; align-items:center; justify-content:space-between; gap:16px; padding:22px 4px; font-family:var(--font-head); font-weight:600; font-size:16.5px; color:var(--navy); }
    .rfg-faq__item summary::-webkit-details-marker{ display:none; }
    .rfg-faq__item summary .plus{ flex:0 0 auto; width:26px; height:26px; border-radius:50%; border:1.5px solid var(--line); display:flex; align-items:center; justify-content:center; position:relative; transition:border-color .3s ease, background .3s ease, transform .3s ease; }
    .rfg-faq__item summary .plus::before, .rfg-faq__item summary .plus::after{ content:""; position:absolute; background:var(--navy); transition:transform .3s ease, background .3s ease; }
    .rfg-faq__item summary .plus::before{ width:10px; height:2px; }
    .rfg-faq__item summary .plus::after{ width:2px; height:10px; }
    .rfg-faq__item[open] summary .plus{ background:linear-gradient(135deg,var(--blue),var(--navy)); border-color:transparent; }
    .rfg-faq__item[open] summary .plus::before, .rfg-faq__item[open] summary .plus::after{ background:#fff; }
    .rfg-faq__item[open] summary .plus::after{ transform:rotate(90deg) scaleY(0); }
    .rfg-faq__answer{ padding:0 4px 24px; font-size:14.5px; line-height:1.75; color:var(--charcoal); max-width:70ch; }
  
 
/* ---------- Section 13 - Final CTA ---------- */
    .rfg-final-cta{ position:relative; overflow:clip; background:linear-gradient(135deg, var(--navy) 0%, #0d4a89 45%, var(--blue) 100%); background-size:180% 180%; animation:rfg-fcta-drift 14s ease-in-out infinite; }
    @keyframes rfg-fcta-drift{ 0%,100%{ background-position:0% 0%; } 50%{ background-position:100% 60%; } }
    @media (prefers-reduced-motion: reduce){ .rfg-final-cta{ animation:none; } }
    .rfg-final-cta__shape{ position:absolute; border-radius:50%; background:radial-gradient(circle at 30% 30%, rgba(255,255,255,.16), rgba(255,255,255,0) 70%); z-index:0; pointer-events:none; animation:rfg-fcta-float 9s ease-in-out infinite; }
    .rfg-final-cta__shape--a{ width:360px; height:360px; top:-130px; left:-90px; }
    .rfg-final-cta__shape--b{ width:280px; height:280px; bottom:-110px; right:-70px; animation-delay:1.4s; }
    .rfg-final-cta__shape--c{ width:190px; height:190px; bottom:30px; left:20%; animation-delay:2.6s; }
    @keyframes rfg-fcta-float{ 0%,100%{ transform:translateY(0) scale(1); } 50%{ transform:translateY(-16px) scale(1.04); } }
    .rfg-final-cta__inner{ position:relative; z-index:1; max-width:780px; margin:0 auto; text-align:center; padding:104px 28px; }
    .rfg-final-cta__actions{ display:flex; flex-wrap:wrap; gap:16px; justify-content:center; margin:34px 0 44px; }
    .rfg-final-cta__trust{ display:flex; flex-wrap:wrap; gap:28px; justify-content:center; border-top:1px solid rgba(255,255,255,.22); padding-top:30px; }
    .rfg-final-cta__trust span{ display:inline-flex; align-items:center; gap:8px; color:rgba(255,255,255,.85); font-size:13px; }
    .rfg-final-cta__trust svg{ width:16px; height:16px; flex:0 0 auto; color:#8fd0ff; }
    @media (prefers-reduced-motion: reduce){ .rfg-final-cta__shape{ animation:none; } }
    @media (max-width:640px){ .rfg-final-cta__inner{ padding:76px 20px; } .rfg-final-cta__trust{ gap:16px; } }
  
 
/* ---------- Lightbox ---------- */
  .rfg-lightbox{ position:fixed; inset:0; background:rgba(6,16,28,.92); display:flex; align-items:center; justify-content:center; z-index:999; opacity:0; visibility:hidden; transition:opacity .3s ease; padding:40px; }
  .rfg-lightbox.is-open{ opacity:1; visibility:visible; }
  .rfg-lightbox img{ max-width:100%; max-height:90vh; border-radius:10px; box-shadow:0 30px 80px rgba(0,0,0,.5); }
  .rfg-lightbox__close{ position:absolute; top:24px; right:28px; width:44px; height:44px; border-radius:50%; border:1.5px solid rgba(255,255,255,.5); background:rgba(255,255,255,.08); color:#fff; font-size:24px; line-height:1; cursor:pointer; }
  .rfg-lightbox__close:hover{ background:rgba(255,255,255,.18); }
  @media (prefers-reduced-motion: reduce){ .rfg-lightbox{ transition:none; } }
 
/* ---------- Optimization additions ---------- */
/* Hero content fades in with CSS only, so it never depends on JavaScript */
.rfg-hero [data-reveal]{ opacity:1; transform:none; transition:none; animation:rfg-hero-in .7s cubic-bezier(.22,.61,.36,1) both; animation-delay:calc(var(--i,0) * 90ms); }
@keyframes rfg-hero-in{ from{ opacity:0; transform:translateY(26px); } to{ opacity:1; transform:none; } }
@media (prefers-reduced-motion: reduce){ .rfg-hero [data-reveal]{ animation:none !important; } }
 
/* Footer headings are <h3> on this page (same look as the old <h4>) */
.foot h3{ font-family:var(--mono); font-weight:500; font-size:10px; letter-spacing:.2em; text-transform:uppercase; color:var(--navy); margin-bottom:16px; }
 
/* Skip link (keyboard users) */
.skip-link{ position:absolute; left:-9999px; top:0; z-index:10000; background:#0A1A2F; color:#fff; padding:10px 16px; border-radius:0 0 8px 8px; font:600 14px/1.2 system-ui,sans-serif; text-decoration:none; }
.skip-link:focus{ left:12px; }
 
/* Keep the focus ring visible on the custom cards and buttons */
.rfg-svc a:focus-visible, .rfg-svc button:focus-visible, .rfg-final-cta a:focus-visible{ outline:3px solid var(--blue); outline-offset:3px; border-radius:6px; }