/* Secondary nav fix */
@media(min-width:769px){.da-sec-has-dropdown::after{display:none;}.da-sec-dropdown{top:100%;}.da-sec-has-dropdown.is-open .da-sec-dropdown{opacity:1;visibility:visible;transform:translateY(0);pointer-events:auto;}.da-sec-has-dropdown.is-open .da-sec-dropdown-trigger{color:rgba(255,255,255,.85);}}
/* ── HERO ── */
.rs-hero{background:var(--navy-900);padding:clamp(80px,10vw,120px) 0 clamp(56px,7vw,80px);position:relative;overflow:hidden;}
.rs-hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 80% 70% at 15% 60%,rgba(18,70,160,0.25) 0%,transparent 65%),radial-gradient(ellipse 50% 50% at 85% 20%,rgba(201,168,76,0.07) 0%,transparent 60%);pointer-events:none}
.rs-hero-grid{position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,0.018) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,0.018) 1px,transparent 1px);background-size:64px 64px;mask-image:radial-gradient(ellipse 80% 80% at 50% 50%,black 30%,transparent 100%);pointer-events:none;}
.rs-hero-inner{position:relative;display:grid;grid-template-columns:1fr 1fr;gap:clamp(40px,6vw,80px);align-items:center;}
.rs-hero-left{}
.rs-hero-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(201,168,76,0.1);border:1px solid rgba(201,168,76,0.25);border-radius:100px;padding:5px 14px;margin-bottom:20px;}
.rs-hero-eyebrow span{font-size:0.68rem;font-weight:700;letter-spacing:0.16em;text-transform:uppercase;color:var(--gold-300);}
.rs-hero-title{font-size:clamp(2.1rem,1.4rem+3.5vw,3.6rem);font-weight:900;letter-spacing:-0.04em;color:#fff;line-height:1.08;margin-bottom:16px;max-width:640px}
.rs-hero-title em{font-style:normal;background:linear-gradient(135deg,var(--gold-300) 0%,var(--gold-200) 50%,var(--gold-400) 100%);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;}
.rs-hero-sub{font-size:clamp(0.9rem,0.8rem+0.4vw,1.05rem);color:rgba(255,255,255,0.55);max-width:520px;line-height:1.8;margin-bottom:28px}
.rs-search-hero{display:flex;align-items:center;gap:0;max-width:520px;background:rgba(255,255,255,0.07);border:1.5px solid rgba(255,255,255,0.15);border-radius:14px;padding:5px 5px 5px 16px;backdrop-filter:blur(12px);transition:border-color 0.2s,background 0.2s;}
.rs-search-hero:focus-within{border-color:rgba(201,168,76,0.5);background:rgba(255,255,255,0.1);}
.rs-search-hero-icon{font-size:0.95rem;margin-right:10px;flex-shrink:0;}
.rs-search-hero input{flex:1;background:none;border:none;outline:none;font-size:0.9rem;color:#fff;font-family:inherit;padding:8px 0;}
.rs-search-hero input::placeholder{color:rgba(255,255,255,0.3);}
.rs-search-hero-btn{background:var(--gold-400);color:var(--navy-900);border:none;border-radius:10px;padding:10px 20px;font-size:0.82rem;font-weight:700;cursor:pointer;white-space:nowrap;transition:background 0.2s;flex-shrink:0;}
.rs-search-hero-btn:hover{background:var(--gold-300);}
/* Hero stats */
.rs-hero-stats{display:flex;gap:32px;margin-top:28px;padding-top:24px;border-top:1px solid rgba(255,255,255,0.08);}
.rs-hero-stat .n{font-size:1.5rem;font-weight:900;color:#fff;letter-spacing:-0.04em;display:block;}
.rs-hero-stat .n em{font-style:normal;color:var(--gold-400);}
.rs-hero-stat .l{font-size:0.7rem;font-weight:600;color:rgba(255,255,255,0.38);text-transform:uppercase;letter-spacing:0.1em;display:block;margin-top:2px;}
/* Hero right: category pills visual */
.rs-hero-right{display:grid;grid-template-columns:1fr 1fr;gap:12px;}
.rs-hero-cat-pill{background:rgba(255,255,255,0.06);border:1px solid rgba(255,255,255,0.1);border-radius:16px;padding:18px 20px;backdrop-filter:blur(8px);transition:all 0.25s;cursor:default;}
.rs-hero-cat-pill:hover{background:rgba(255,255,255,0.1);border-color:rgba(255,255,255,0.2);transform:translateY(-2px);}
.rs-hero-cat-pill .pi{font-size:1.6rem;display:block;margin-bottom:8px;}
.rs-hero-cat-pill .pn{font-size:0.78rem;font-weight:700;color:#fff;display:block;margin-bottom:2px;}
.rs-hero-cat-pill .pc{font-size:0.65rem;color:rgba(255,255,255,0.4);}
@media(max-width:860px){.rs-hero-inner{grid-template-columns:1fr;}.rs-hero-right{display:none;}}
/* ── TAB BAR ── */
.rs-tab-bar{background:var(--white);border-bottom:1px solid var(--gray-200);position:sticky;top:var(--header-h);z-index:50;}
.rs-tab-inner{display:flex;gap:0;overflow-x:auto;scrollbar-width:none;}
.rs-tab-inner::-webkit-scrollbar{display:none}
.rs-tab-link{padding:15px 24px;font-size:0.83rem;font-weight:600;color:var(--gray-500);white-space:nowrap;text-decoration:none;border-bottom:2px solid transparent;transition:color 0.2s,border-color 0.2s;display:flex;align-items:center;gap:7px;}
.rs-tab-link:hover{color:var(--navy-500);}
.rs-tab-link.rs-active{color:var(--navy-500);border-bottom-color:var(--navy-500);}
/* ── KNOWLEDGE CENTRE ── */
.rs-kc-toolbar{display:flex;flex-direction:column;gap:14px;margin-bottom:36px;}
.rs-search-bar{display:flex;align-items:center;gap:10px;background:var(--gray-50);border:1.5px solid var(--gray-200);border-radius:12px;padding:10px 16px;max-width:500px;transition:border-color 0.2s;}
.rs-search-bar:focus-within{border-color:var(--navy-300);background:var(--white);}
.rs-search-bar span{color:var(--gray-400);font-size:0.9rem;flex-shrink:0;}
.rs-search-bar input{flex:1;background:none;border:none;outline:none;font-size:0.88rem;color:var(--gray-800);font-family:inherit;}
.rs-search-bar input::placeholder{color:var(--gray-400);}
.rs-cats{display:flex;gap:8px;flex-wrap:wrap;}
.rs-cat-btn{padding:7px 16px;border-radius:100px;border:1.5px solid var(--gray-200);background:var(--white);font-size:0.78rem;font-weight:600;color:var(--gray-600);cursor:pointer;transition:all 0.18s;white-space:nowrap;line-height:1;}
.rs-cat-btn:hover{border-color:var(--navy-300);color:var(--navy-500);}
.rs-cat-btn.active{background:var(--navy-800);border-color:var(--navy-800);color:#fff;}
/* Featured article */
.rs-featured{display:grid;grid-template-columns:480px 1fr;border-radius:20px;overflow:hidden;box-shadow:0 4px 32px rgba(10,22,63,0.14);margin-bottom:40px;text-decoration:none;color:inherit;transition:transform 0.3s,box-shadow 0.3s;border:1px solid var(--gray-200);}
.rs-featured:hover{transform:translateY(-5px);box-shadow:0 16px 48px rgba(10,22,63,0.2);}
.rs-feat-visual{min-height:300px;display:flex;flex-direction:column;justify-content:flex-end;padding:32px;position:relative;overflow:hidden;}
.rs-feat-visual::before{content:'';position:absolute;inset:0;background:linear-gradient(to top,rgba(5,15,34,0.85) 0%,rgba(5,15,34,0.3) 60%,transparent 100%);}
.rs-feat-icon{font-size:3.5rem;display:block;position:relative;z-index:1;margin-bottom:12px;}
.rs-feat-pill{display:inline-flex;align-items:center;gap:6px;font-size:0.65rem;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:rgba(255,255,255,0.9);background:rgba(255,255,255,0.16);border:1px solid rgba(255,255,255,0.25);border-radius:100px;padding:4px 12px;position:relative;z-index:1;}
.rs-feat-label{font-size:1.25rem;font-weight:800;color:#fff;margin-top:8px;position:relative;z-index:1;line-height:1.25;letter-spacing:-0.02em;}
.rs-feat-body{background:var(--white);padding:40px;display:flex;flex-direction:column;justify-content:center;}
.rs-feat-tag{display:flex;align-items:center;gap:6px;font-size:0.68rem;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;margin-bottom:14px;}
.rs-feat-tag-dot{width:7px;height:7px;border-radius:50%;flex-shrink:0;}
.rs-feat-title{font-size:clamp(1.35rem,1rem+1.5vw,1.9rem);font-weight:800;letter-spacing:-0.03em;color:var(--navy-800);margin-bottom:14px;line-height:1.22;}
.rs-feat-excerpt{font-size:0.9rem;color:var(--gray-500);line-height:1.8;margin-bottom:24px;}
.rs-feat-footer{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px;}
.rs-feat-meta{font-size:0.72rem;color:var(--gray-400);display:flex;align-items:center;gap:10px;}
.rs-feat-meta span{display:flex;align-items:center;gap:4px;}
.rs-feat-cta{display:inline-flex;align-items:center;gap:7px;font-size:0.85rem;font-weight:700;color:var(--white);background:var(--navy-500);border-radius:10px;padding:10px 20px;transition:all 0.2s;}
.rs-featured:hover .rs-feat-cta{background:var(--navy-400);}
/* Article grid */
.rs-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.rs-article{background:var(--white);border-radius:16px;border:1px solid var(--gray-200);overflow:hidden;transition:transform 0.25s,box-shadow 0.25s,border-color 0.25s;text-decoration:none;color:inherit;display:flex;flex-direction:column;}
.rs-article:hover{transform:translateY(-5px);box-shadow:0 12px 40px rgba(10,22,63,0.12);border-color:transparent;}
.rs-art-header{height:110px;display:flex;align-items:center;justify-content:center;font-size:2.2rem;position:relative;flex-shrink:0;}
.rs-art-body{padding:20px;display:flex;flex-direction:column;flex:1;}
.rs-art-badge{display:inline-flex;align-items:center;gap:5px;font-size:0.62rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;border-radius:100px;padding:3px 10px;margin-bottom:10px;width:fit-content;}
.rs-art-title{font-size:0.93rem;font-weight:700;color:var(--navy-800);line-height:1.4;margin-bottom:8px;}
.rs-art-excerpt{font-size:0.8rem;color:var(--gray-500);line-height:1.65;flex:1;margin-bottom:16px;}
.rs-art-footer{display:flex;align-items:center;justify-content:space-between;padding-top:12px;border-top:1px solid var(--gray-100);}
.rs-art-time{font-size:0.7rem;color:var(--gray-400);display:flex;align-items:center;gap:4px;}
.rs-art-link{font-size:0.75rem;font-weight:700;color:var(--navy-500);display:flex;align-items:center;gap:4px;}
/* No results */
.rs-no-results{text-align:center;padding:56px 20px;display:none;}
.rs-no-results-icon{font-size:2.8rem;display:block;margin-bottom:12px;opacity:0.5;}
.rs-no-results p{color:var(--gray-400);font-size:0.9rem;}
/* ── VIDEOS ── */
.rs-videos-inner{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-bottom:36px;}
.rs-vid-card{border-radius:18px;overflow:hidden;background:var(--navy-900);position:relative;cursor:pointer;transition:transform 0.28s,box-shadow 0.28s;text-decoration:none;}
.rs-vid-card:hover{transform:translateY(-6px);box-shadow:0 20px 56px rgba(5,15,34,0.45);}
.rs-vid-thumb{aspect-ratio:9/16;max-height:440px;display:flex;align-items:center;justify-content:center;font-size:5rem;position:relative;}
.rs-vid-thumb-bg{position:absolute;inset:0;background:linear-gradient(to bottom,rgba(5,15,34,0.2) 0%,rgba(5,15,34,0.85) 100%);}
.rs-vid-play{position:absolute;top:50%;left:50%;transform:translate(-50%,-60%);width:60px;height:60px;background:rgba(255,255,255,0.16);border:2px solid rgba(255,255,255,0.4);border-radius:50%;display:flex;align-items:center;justify-content:center;backdrop-filter:blur(8px);transition:all 0.22s;font-size:1.3rem;padding-left:5px;}
.rs-vid-card:hover .rs-vid-play{background:rgba(255,255,255,0.28);border-color:#fff;transform:translate(-50%,-60%) scale(1.1);}
.rs-vid-info{position:absolute;bottom:0;left:0;right:0;padding:20px 18px;}
.rs-vid-badge{font-size:0.6rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--gold-300);background:rgba(201,168,76,0.1);border:1px solid rgba(201,168,76,0.22);border-radius:100px;padding:3px 10px;display:inline-block;margin-bottom:8px;}
.rs-vid-title{font-size:0.88rem;font-weight:700;color:#fff;line-height:1.4;margin-bottom:4px;}
.rs-vid-meta{font-size:0.68rem;color:rgba(255,255,255,0.38);}
.rs-tiktok-cta{text-align:center;display:flex;flex-direction:column;align-items:center;gap:14px;}
/* ── FAQ ── */
.rs-faq-top{display:flex;flex-direction:column;align-items:center;gap:16px;margin-bottom:32px;}
.rs-faq-search{display:flex;align-items:center;gap:10px;background:var(--gray-50);border:1.5px solid var(--gray-200);border-radius:12px;padding:10px 16px;max-width:460px;width:100%;transition:border-color 0.2s;}
.rs-faq-search:focus-within{border-color:var(--navy-300);background:var(--white);}
.rs-faq-search span{color:var(--gray-400);font-size:0.9rem;flex-shrink:0;}
.rs-faq-search input{flex:1;background:none;border:none;outline:none;font-size:0.88rem;color:var(--gray-800);font-family:inherit;}
.rs-faq-cats{display:flex;gap:8px;flex-wrap:wrap;justify-content:center;}
.rs-faq-cat-btn{padding:6px 16px;border-radius:100px;border:1.5px solid var(--gray-200);background:var(--white);font-size:0.76rem;font-weight:600;color:var(--gray-600);cursor:pointer;transition:all 0.18s;}
.rs-faq-cat-btn:hover{border-color:var(--navy-300);color:var(--navy-500);}
.rs-faq-cat-btn.active{background:var(--navy-800);border-color:var(--navy-800);color:#fff;}
.rs-faq-list{max-width:760px;margin:0 auto;display:flex;flex-direction:column;gap:8px;}
.rs-faq-item{border:1.5px solid var(--gray-200);border-radius:14px;overflow:hidden;transition:border-color 0.2s,box-shadow 0.2s;}
.rs-faq-item.open{border-color:var(--navy-200);box-shadow:0 4px 16px rgba(18,70,160,0.07);}
.rs-faq-q{display:flex;align-items:center;justify-content:space-between;padding:18px 20px;cursor:pointer;user-select:none;gap:12px;background:var(--white);}
.rs-faq-q-left{display:flex;align-items:center;gap:12px;flex:1;}
.rs-faq-cat-pill{font-size:0.6rem;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;border-radius:100px;padding:3px 9px;flex-shrink:0;}
.rs-faq-q-text{font-size:0.92rem;font-weight:600;color:var(--navy-800);}
.rs-chevron{font-size:0.7rem;color:var(--gray-400);transition:transform 0.25s;flex-shrink:0;}
.rs-faq-item.open .rs-chevron{transform:rotate(180deg);}
.rs-faq-a{display:none;padding:0 20px 20px 20px;font-size:0.87rem;color:var(--gray-600);line-height:1.8;border-top:1px solid var(--gray-100);}
.rs-faq-item.open .rs-faq-a{display:block;}
/* ── DOWNLOADS ── */
.rs-dl-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.rs-dl-card{background:var(--white);border:1.5px solid var(--gray-200);border-radius:18px;padding:28px;display:flex;flex-direction:column;gap:0;transition:transform 0.25s,box-shadow 0.25s,border-color 0.25s;}
.rs-dl-card:hover{transform:translateY(-4px);box-shadow:0 12px 36px rgba(10,22,63,0.1);border-color:var(--navy-200);}
.rs-dl-icon{width:52px;height:52px;border-radius:14px;display:flex;align-items:center;justify-content:center;font-size:1.5rem;margin-bottom:16px;}
.rs-dl-tag{font-size:0.63rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--gray-400);margin-bottom:6px;}
.rs-dl-title{font-size:0.95rem;font-weight:700;color:var(--navy-800);line-height:1.35;margin-bottom:10px;}
.rs-dl-desc{font-size:0.81rem;color:var(--gray-500);line-height:1.7;flex:1;margin-bottom:20px;}
.rs-dl-footer{display:flex;align-items:center;justify-content:space-between;padding-top:16px;border-top:1px solid var(--gray-100);}
.rs-dl-size{font-size:0.7rem;color:var(--gray-400);}
.rs-dl-btn{display:inline-flex;align-items:center;gap:6px;font-size:0.78rem;font-weight:700;color:var(--navy-500);background:var(--navy-50);border:1px solid var(--navy-100);border-radius:9px;padding:8px 14px;text-decoration:none;transition:all 0.18s;}
.rs-dl-btn:hover{background:var(--navy-500);color:#fff;border-color:var(--navy-500);}
/* Category color tokens */
.cc-insurance{background:#EBF2FC;color:#1246A0;}
.cc-medical{background:#ECFDF5;color:#059669;}
.cc-critical{background:#FFF1F2;color:#DC2626;}
.cc-legacy{background:#FFFBEB;color:#D97706;}
.cc-retirement{background:#F5F3FF;color:#7C3AED;}
.cc-estate{background:#F1F5F9;color:#475569;}
.hh-insurance{background:linear-gradient(135deg,#0A1628 0%,#1D5FCC 100%);}
.hh-medical{background:linear-gradient(135deg,#052E16 0%,#059669 100%);}
.hh-critical{background:linear-gradient(135deg,#7F1D1D 0%,#DC2626 100%);}
.hh-legacy{background:linear-gradient(135deg,#78350F 0%,#D97706 100%);}
.hh-retirement{background:linear-gradient(135deg,#2E1065 0%,#7C3AED 100%);}
.hh-estate{background:linear-gradient(135deg,#1E293B 0%,#475569 100%);}
.cc-claims{background:var(--gold-100);color:var(--gold-600);}
.hh-claims{background:linear-gradient(135deg,#0A1628 0%,#B8860B 100%);}
/* ── CLAIMS ── */
.rs-claims-flow{display:flex;align-items:stretch;gap:14px;margin-bottom:16px;}
.rs-claims-step{flex:1;background:var(--white);border:1.5px solid var(--gray-200);border-radius:16px;padding:24px 20px;transition:transform 0.25s,box-shadow 0.25s;}
.rs-claims-step:hover{transform:translateY(-4px);box-shadow:0 12px 32px rgba(10,22,63,0.08);}
.rs-claims-step-num{width:32px;height:32px;border-radius:50%;background:linear-gradient(135deg,var(--navy-800),var(--gold-500));color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:0.9rem;margin-bottom:14px;}
.rs-claims-step-icon{font-size:1.6rem;margin-bottom:10px;}
.rs-claims-step-title{font-size:0.98rem;font-weight:800;color:var(--navy-800);margin-bottom:8px;letter-spacing:-0.01em;}
.rs-claims-step-desc{font-size:0.8rem;color:var(--gray-500);line-height:1.65;}
.rs-claims-arrow{display:flex;align-items:center;justify-content:center;color:var(--gray-300);font-size:1.3rem;flex-shrink:0;}
.rs-claims-meta{text-align:center;font-size:0.82rem;color:var(--gray-500);margin:0 0 40px;}
.rs-claims-specimens{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-bottom:16px;}
.rs-claims-doc{position:relative;background:var(--white);border:1.5px solid var(--gray-200);border-radius:16px;overflow:hidden;}
.rs-claims-doc-ribbon{position:absolute;top:16px;right:-32px;background:var(--gold-600);color:#fff;font-size:0.66rem;font-weight:800;letter-spacing:0.08em;padding:4px 38px;transform:rotate(38deg);box-shadow:0 2px 8px rgba(0,0,0,0.15);z-index:2;}
.rs-claims-doc-header{background:var(--gray-50);border-bottom:1px solid var(--gray-200);padding:12px 20px;font-size:0.72rem;font-weight:700;letter-spacing:0.04em;text-transform:uppercase;color:var(--gray-500);}
.rs-claims-doc-body{padding:22px 24px;font-size:0.82rem;color:var(--gray-700);line-height:1.85;}
.rs-claims-doc-body .rcl{display:flex;justify-content:space-between;gap:12px;padding:6px 0;border-bottom:1px dashed var(--gray-200);}
.rs-claims-doc-body .rcl:last-child{border-bottom:none;}
.rs-claims-doc-body .rcl b{color:var(--navy-800);}
.rs-claims-doc-status{display:inline-flex;align-items:center;gap:6px;margin-top:14px;background:var(--gold-100);color:var(--gold-600);font-size:0.75rem;font-weight:700;padding:6px 14px;border-radius:100px;}
.rs-claims-disclaimer{text-align:center;font-size:0.76rem;color:var(--gray-400);font-style:italic;max-width:640px;margin:0 auto;line-height:1.7;}
@media(max-width:860px){.rs-claims-flow{flex-direction:column;}.rs-claims-arrow{transform:rotate(90deg);padding:4px 0;}}
@media(max-width:760px){.rs-claims-specimens{grid-template-columns:1fr;}}
/* Responsive */
@media(max-width:960px){.rs-featured{grid-template-columns:1fr;}.rs-feat-visual{min-height:220px;}.rs-grid{grid-template-columns:repeat(2,1fr);}.rs-videos-inner{grid-template-columns:repeat(2,1fr);}.rs-dl-grid{grid-template-columns:repeat(2,1fr);}}
@media(max-width:580px){.rs-grid{grid-template-columns:1fr;}.rs-videos-inner{grid-template-columns:1fr;}.rs-dl-grid{grid-template-columns:1fr;}.rs-hero-stats{gap:20px;}}