/* 融易貸設計系統 — 依官方 logo：海軍藍 / 霧金 / 白 */
:root {
  --ink: #001b3a;
  --ink-soft: #0b1d36;
  --navy: #001b3a;
  --muted: #5d6d82;
  --paper: #f4f6fa;
  --white: #ffffff;
  --gold: #c4a46e;
  --gold-dark: #9b7a3d;
  --gold-soft: #f8f1e3;
  --mint: #c4a46e;
  --mint-dark: #9b7a3d;
  --mint-soft: #f8f1e3;
  --coral: #c45c4a;
  --coral-soft: #fff0ed;
  --line: #dde3ec;
  --shadow: 0 18px 50px rgba(0, 27, 58, .08);
  --radius: 12px;
  --radius-sm: 10px;
  --font: "Noto Sans TC", "PingFang TC", "Microsoft JhengHei", "Segoe UI", system-ui, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: var(--font);
  line-height: 1.55;
}
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
img { max-width: 100%; display: block; }

.ry-container { width: min(1180px, calc(100% - 40px)); margin: 0 auto; }

/* —— Brand —— */
.ry-brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-weight: 850;
  letter-spacing: .04em;
}
.ry-brand-logo {
  height: 44px;
  width: auto;
  max-width: 220px;
  object-fit: contain;
  border-radius: 0;
  display: block;
  background: transparent;
}
.ry-brand--on-dark .ry-brand-logo,
.ry-login-intro .ry-brand-logo,
.ry-sidebar .ry-brand-logo,
.site-footer-pro .ry-brand-logo {
  background: transparent;
  padding: 0;
  height: 48px;
  box-shadow: none;
}
.ry-brand-mark {
  width: 42px;
  height: 42px;
  border-radius: 0;
  display: block;
  object-fit: contain;
  color: var(--gold);
  background: transparent;
  box-shadow: none;
  font-size: 15px;
  font-weight: 900;
}
img.ry-brand-mark {
  padding: 0;
  background: transparent !important;
  box-shadow: none !important;
  border-radius: 0 !important;
}
.ry-brand strong { font-size: 1.05rem; }
.ry-brand small { display: block; font-size: .68rem; opacity: .72; letter-spacing: .14em; font-weight: 650; }
.ry-brand-caption { display: grid; gap: 2px; line-height: 1.1; }
.ry-brand-caption small { color: var(--gold-dark); }
.ry-brand--on-dark .ry-brand-caption { color: #fff; }
.ry-brand--on-dark .ry-brand-caption small { color: var(--gold); opacity: 1; }

/* —— Public nav —— */
.ry-hero-shell {
  min-height: auto;
  overflow: hidden;
  position: relative;
  background:
    radial-gradient(circle at 86% 15%, rgba(196, 164, 110, .16), transparent 24rem),
    linear-gradient(115deg, #f7f8fb 0%, #eef2f8 56%, #e8eef6 100%);
}
.ry-hero-shell::before {
  content: "";
  position: absolute;
  width: 340px;
  height: 340px;
  border: 1px solid rgba(0, 27, 58, .08);
  border-radius: 50%;
  left: -210px;
  top: 180px;
  pointer-events: none;
}
.ry-site-nav {
  height: 84px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  border-bottom: 1px solid rgba(0, 27, 58, .11);
  position: relative;
  z-index: 2;
}
.ry-nav-links {
  display: flex;
  flex-wrap: wrap;
  gap: 22px;
  color: #3d5270;
  font-size: 14px;
  font-weight: 650;
}
.ry-nav-links a:hover { color: var(--mint-dark); }
.ry-nav-actions { display: flex; align-items: center; gap: 10px; }
.ry-nav-login {
  border: 1px solid #c5d0de;
  border-radius: 999px;
  padding: 10px 18px;
  font-size: 14px;
  font-weight: 750;
  background: rgba(255, 255, 255, .46);
}
.ry-nav-login:hover { border-color: var(--mint-dark); color: var(--mint-dark); }

/* —— Buttons —— */
.ry-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 14px 20px;
  border: 0;
  border-radius: var(--radius);
  background: var(--ink);
  color: #fff !important;
  font-weight: 800;
  cursor: pointer;
  box-shadow: 0 12px 24px rgba(0, 27, 58, .16);
  transition: transform .15s ease, box-shadow .15s ease;
}
.ry-btn:hover { transform: translateY(-1px); box-shadow: 0 16px 30px rgba(0, 27, 58, .2); }
.ry-btn .dot {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: var(--mint);
  font-size: 12px;
}
.ry-btn-ghost {
  background: transparent;
  color: var(--navy) !important;
  box-shadow: none;
  border-bottom: 1px solid var(--gold);
}
  border-radius: 0;
  padding: 4px 0;
  font-weight: 700;
  font-size: 14px;
}
.ry-btn-mint { background: var(--gold); color: var(--navy) !important; box-shadow: 0 10px 22px rgba(196, 164, 110, .28); }
.ry-btn-soft {
  background: #fff;
  color: var(--ink) !important;
  border: 1px solid var(--line);
  box-shadow: none;
}
.ry-btn-sm { padding: 9px 14px; font-size: 13px; box-shadow: 0 6px 14px rgba(0, 27, 58, .1); }
.ry-side-workspace {
  margin: 4px 0 12px;
  padding: 12px 13px;
  border: 1px solid #1d3558;
  border-radius: 10px;
  background: #0b1d36;
}
.ry-sidebar .ry-brand { padding: 0 4px 8px; color: #fff; }
.ops-header .ry-brand-logo { height: 40px; width: auto; max-width: 168px; }
.ry-eyebrow span { width: 28px; height: 2px; background: var(--gold); }

/* —— Cards / forms —— */
.ry-card {
  background: rgba(255, 255, 255, .92);
  border: 1px solid rgba(0, 27, 58, .1);
  border-radius: 22px 7px;
  padding: 24px;
  box-shadow: var(--shadow);
}
.ry-eyebrow {
  display: flex;
  align-items: center;
  gap: 11px;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .14em;
  color: var(--mint-dark);
}
.ry-eyebrow span { width: 28px; height: 2px; background: var(--gold); }
.ry-muted { color: var(--muted); }
.ry-alert {
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  margin-bottom: 14px;
  font-size: 14px;
}
.ry-alert-ok { background: var(--mint-soft); color: var(--mint-dark); border: 1px solid #e8d5a8; }
.ry-alert-err { background: var(--coral-soft); color: #a53f35; border: 1px solid #f3c2c8; }
.ry-alert-warn { background: #fff8e6; color: #7a5a00; border: 1px solid #f0d78a; }

.ry-field { display: grid; gap: 7px; margin-bottom: 14px; }
.ry-field > span { font-size: 12px; font-weight: 800; color: var(--ink); }
.ry-field > span b { color: var(--coral); }
.ry-input, .ry-field input, .ry-field select, .ry-field textarea,
input[type=text], input[type=tel], input[type=email], input[type=password], input[type=number], select, textarea {
  width: 100%;
  padding: 13px 14px;
  border: 1px solid #d7e0db;
  border-radius: var(--radius-sm);
  color: var(--ink);
  background: #fff;
  outline: none;
}
.ry-field input:focus, .ry-field select:focus, .ry-field textarea:focus,
input:focus, select:focus, textarea:focus {
  border-color: var(--mint-dark);
  box-shadow: 0 0 0 3px rgba(196, 164, 110, .1);
}
.ry-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px 16px; }
.ry-check {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: #f7f8fb;
  margin-bottom: 10px;
  cursor: pointer;
}
.ry-check strong { display: block; font-size: 14px; }
.ry-check small { display: block; color: var(--muted); margin-top: 3px; font-size: 12px; line-height: 1.5; }
.ry-chips { display: flex; flex-wrap: wrap; gap: 8px; }
.ry-chips label {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 8px 12px;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: #fff;
  cursor: pointer;
  font-size: 13px;
}

/* —— Home hero —— */
.ry-hero-grid {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 56px;
  align-items: center;
  padding: 56px 0 48px;
  position: relative;
  z-index: 1;
}
.ry-hero-copy h1 {
  margin: 18px 0 20px;
  font-size: clamp(40px, 5.2vw, 68px);
  line-height: 1.08;
  letter-spacing: -.045em;
  font-weight: 900;
}
.ry-hero-copy h1 em { font-style: normal; color: var(--mint-dark); }
.ry-hero-lede { max-width: 34rem; color: var(--muted); font-size: 17px; line-height: 1.85; margin: 0; }
.ry-trust-row { display: flex; flex-wrap: wrap; gap: 18px; margin-top: 28px; font-size: 13px; color: #5b7175; }
.ry-trust-row span { display: inline-flex; align-items: center; gap: 6px; }
.ry-trust-row i { color: var(--coral); font-style: normal; font-weight: 900; }
.ry-signal {
  background: rgba(255, 255, 255, .9);
  border: 1px solid rgba(0, 27, 58, .1);
  border-radius: 28px 7px;
  padding: 24px;
  box-shadow: 0 30px 80px rgba(24, 66, 63, .12);
  transform: rotate(.6deg);
  position: relative;
}
.ry-signal::after {
  content: "";
  position: absolute;
  inset: 12px -12px -12px 12px;
  border: 1px solid rgba(196, 164, 110, .25);
  border-radius: inherit;
  z-index: -1;
}
.ry-signal-top { display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.ry-live {
  font-size: 12px;
  font-weight: 750;
  color: var(--mint-dark);
  background: var(--mint-soft);
  border-radius: 99px;
  padding: 7px 10px;
}
.ry-live i {
  display: inline-block;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--mint);
  margin-right: 4px;
  box-shadow: 0 0 0 4px rgba(196, 164, 110, .12);
}
.ry-metrics {
  margin: 18px 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  background: #eef2f8;
  border-radius: var(--radius);
}
.ry-metrics div { padding: 14px 12px; border-right: 1px solid #dce7df; }
.ry-metrics div:last-child { border-right: 0; }
.ry-metrics small { color: #75898c; font-size: 11px; }
.ry-metrics strong { display: block; font-size: 22px; margin-top: 4px; }

.ry-section { padding: 72px 0; }
.ry-section-head { max-width: 40rem; margin-bottom: 32px; }
.ry-section-head > span { color: var(--coral); font-size: 12px; font-weight: 850; letter-spacing: .16em; }
.ry-section-head h2 { margin: 12px 0 14px; font-size: clamp(28px, 3.5vw, 44px); letter-spacing: -.04em; line-height: 1.25; }
.ry-section-head p { margin: 0; color: var(--muted); line-height: 1.8; }
.ry-how-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.ry-how-grid article {
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fff;
}
.ry-how-grid b { color: var(--mint-dark); font-size: 13px; letter-spacing: .08em; }
.ry-how-grid h3 { margin: 10px 0 8px; font-size: 1.15rem; }
.ry-how-grid p { margin: 0; color: var(--muted); font-size: 14px; line-height: 1.7; }

.ry-footer {
  background: var(--ink);
  color: rgba(255, 255, 255, .78);
  padding: 36px 0;
  margin-top: auto;
}
.ry-footer-inner {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 18px;
  font-size: 14px;
}
.ry-footer a { color: #d4c09a; }
.ry-footer nav { display: flex; flex-wrap: wrap; gap: 14px; }

/* —— Login split —— */
.ry-login-shell {
  min-height: 100vh;
  display: grid;
  grid-template-columns: minmax(320px, .9fr) minmax(420px, 1.1fr);
  background: #f4f6fa;
}
.ry-login-intro {
  position: relative;
  padding: 42px clamp(28px, 5vw, 72px);
  display: flex;
  flex-direction: column;
  color: #fff;
  background: var(--ink);
  overflow: hidden;
}
.ry-login-intro::before {
  content: "";
  position: absolute;
  width: 420px;
  height: 420px;
  right: -220px;
  top: 16%;
  border: 1px solid rgba(196, 164, 110, .26);
  border-radius: 50%;
  box-shadow: 0 0 0 80px rgba(196, 164, 110, .04);
}
.ry-login-message { position: relative; margin: auto 0; max-width: 520px; }
.ry-login-message > span { color: #d4c09a; font-size: 12px; font-weight: 850; letter-spacing: .14em; }
.ry-login-message h1 { margin: 16px 0 18px; font-size: clamp(34px, 4vw, 56px); line-height: 1.05; letter-spacing: -.04em; }
.ry-login-message p { margin: 0; color: #c5d0de; font-size: 15px; line-height: 1.85; }
.ry-login-panel { padding: 48px clamp(24px, 6vw, 88px); display: grid; place-items: center; }
.ry-login-card { width: min(440px, 100%); }
.ry-login-card h2 { margin: 8px 0 8px; font-size: 32px; letter-spacing: -.03em; }
.ry-login-card .lead { margin: 0 0 22px; color: #5d6d82; font-size: 14px; }
.ry-login-submit {
  width: 100%;
  margin-top: 8px;
  padding: 15px 18px;
  display: flex;
  justify-content: space-between;
  border: 0;
  border-radius: var(--radius);
  color: #fff;
  background: var(--ink);
  font-weight: 850;
  cursor: pointer;
}

/* —— Merchant / Admin shells —— */
.ry-app-shell {
  min-height: 100vh;
  display: grid;
  grid-template-columns: 248px 1fr;
  background: #eef1f6;
}
.ry-sidebar {
  position: sticky;
  top: 0;
  height: 100vh;
  padding: 24px 16px 18px;
  background: #001b3a;
  color: #fff;
  display: flex;
  flex-direction: column;
  gap: 8px;
  overflow: auto;
}
.ry-sidebar.admin { background: #0f2438; }
.ry-side-nav { display: grid; gap: 4px; margin-top: 8px; }
.ry-side-nav a {
  min-height: 40px;
  display: flex;
  align-items: center;
  padding: 0 12px;
  border-radius: 9px 3px;
  color: #9aaac0;
  font-size: 13px;
  font-weight: 650;
}
.ry-sidebar.admin .ry-side-nav a { color: #9bb4c8; }
.ry-side-nav a:hover { color: #fff; background: rgba(255, 255, 255, .08); }
.ry-side-nav a.active { color: #fff; background: #163056; box-shadow: inset 3px 0 0 var(--mint); }
.ry-sidebar.admin .ry-side-nav a.active { background: #1a3a55; box-shadow: inset 3px 0 0 #5eb8ff; }
.ry-side-help {
  margin-top: auto;
  display: flex;
  gap: 10px;
  padding: 12px;
  border-radius: 12px 4px;
  background: #0b1d36;
}
.ry-sidebar.admin .ry-side-help { background: #17324a; }
.ry-side-help > span {
  width: 28px;
  height: 28px;
  display: grid;
  place-items: center;
  border-radius: 8px 2px;
  background: #1d3558;
  color: #c4a46e;
  font-weight: 900;
  font-size: 12px;
}
.ry-side-user {
  margin-top: 10px;
  padding-top: 12px;
  border-top: 1px solid #1d3558;
  display: flex;
  align-items: center;
  gap: 10px;
}
.ry-side-user > b {
  width: 32px;
  height: 32px;
  display: grid;
  place-items: center;
  border-radius: 10px 3px;
  color: #001b3a;
  background: linear-gradient(145deg, #e8d5a8, #c4a46e);
  font-size: 12px;
}
.ry-main { padding: 28px clamp(18px, 3vw, 40px) 48px; min-width: 0; }
.ry-topbar {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  gap: 16px;
  margin-bottom: 20px;
  padding-bottom: 18px;
  border-bottom: 1px solid #dde3ec;
}
.ry-topbar small { color: var(--mint-dark); font-size: 11px; font-weight: 850; letter-spacing: .12em; }
.ry-topbar h1 { margin: 6px 0 0; font-size: clamp(24px, 3vw, 34px); letter-spacing: -.03em; }
.ry-metrics-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 12px;
  margin-bottom: 16px;
}
.ry-metric {
  position: relative;
  overflow: hidden;
  background: linear-gradient(145deg, #fff, #f4f6fa);
  border: 1px solid #dde3ec;
  border-radius: 12px;
  padding: 16px;
  box-shadow: 0 8px 24px rgba(0, 27, 58, .04);
}
.ry-metric::before {
  content: "";
  position: absolute;
  inset: 0 0 auto;
  height: 4px;
  background: var(--mint);
}
.ry-metric:nth-child(2)::before { background: #1c6595; }
.ry-metric:nth-child(3)::before { background: #bd8330; }
.ry-metric:nth-child(4)::before { background: #344d69; }
.ry-metric small { color: #506779; }
.ry-metric strong { display: block; margin-top: 6px; font-size: 1.7rem; color: #0b2d43; }

.ry-table-wrap {
  overflow: auto;
  border: 1px solid #d6e0dc;
  border-radius: 12px;
  background: #fff;
}
.ry-table { width: 100%; border-collapse: collapse; }
.ry-table th, .ry-table td {
  text-align: left;
  padding: 12px 14px;
  border-bottom: 1px solid #edf0ee;
  vertical-align: top;
  font-size: 14px;
}
.ry-table th {
  background: #f7faf8;
  color: #587075;
  font-size: 12px;
  font-weight: 800;
}
.ry-table tr:nth-child(even) td { background: #fbfcfd; }
.ry-badge {
  display: inline-block;
  padding: 3px 9px;
  border-radius: 999px;
  background: #e6f2ee;
  color: var(--mint-dark);
  font-size: 12px;
  font-weight: 750;
}
.ry-actions { display: flex; flex-wrap: wrap; gap: 8px; align-items: center; }

@media (max-width: 960px) {
  .ry-hero-grid, .ry-how-grid, .ry-grid-2, .ry-login-shell, .ry-app-shell { grid-template-columns: 1fr; }
  .ry-login-intro { min-height: 320px; }
  .ry-sidebar { height: auto; position: relative; }
  .ry-side-nav { grid-template-columns: repeat(auto-fit, minmax(120px, 1fr)); }
  .ry-nav-links { display: none; }
  .ry-signal { transform: none; }
}

/* —— 相容舊 Blade class，統一視覺 —— */
.container { width: min(960px, calc(100% - 40px)); margin: 0 auto; padding: 28px 0 48px; }
.card, .metric, .stat {
  background: rgba(255,255,255,.94);
  border: 1px solid rgba(0,27,58,.1);
  border-radius: 12px;
  padding: 20px;
  box-shadow: var(--shadow);
  margin-bottom: 14px;
}
.card + .card { margin-top: 0; }
.btn, button.btn, .button, button:not(.ry-btn):not(.ry-login-submit):not(.ry-btn-soft):not([class*="ry-"]) {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 10px 16px;
  border: 0;
  border-radius: var(--radius-sm);
  background: var(--ink);
  color: #fff;
  font-weight: 750;
  cursor: pointer;
  text-decoration: none;
}
.btn.secondary, button.secondary, .button.secondary { background: #4a6570; }
.btn.danger, button.danger { background: #a53f35; }
.btn.ok, button.ok { background: var(--mint-dark); }
.page-hero h1, .container > h1 { letter-spacing: -.03em; }
.field, label.field { display: grid; gap: 7px; margin-bottom: 14px; }
.field > span, label.field > span { font-size: 12px; font-weight: 800; }
.field > span b, label.field > span b { color: var(--coral); }
.hint { color: var(--muted); font-size: 13px; margin-top: 4px; }
.alert { padding: 12px 14px; border-radius: var(--radius-sm); margin-bottom: 14px; }
.alert.ok { background: var(--mint-soft); color: var(--mint-dark); border: 1px solid #e8d5a8; }
.alert.err { background: var(--coral-soft); color: #a53f35; border: 1px solid #f3c2c8; }
.alert.debug { background: #fff8e6; color: #7a5a00; border: 1px solid #f0d78a; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px 16px; }
.chip-grid { display: flex; flex-wrap: wrap; gap: 8px; }
.chip-grid label {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 8px 12px; border: 1px solid var(--line); border-radius: 999px; background: #fff; cursor: pointer; font-size: 13px;
}
.check-list label {
  display: flex; gap: 10px; align-items: flex-start;
  margin: 10px 0; padding: 12px 14px; border: 1px solid var(--line);
  border-radius: var(--radius-sm); background: #f7f8fb; cursor: pointer;
}
.check-list label strong { display: block; }
.check-list label small { display: block; color: var(--muted); margin-top: 3px; line-height: 1.5; }
.metrics, .grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 12px; margin-bottom: 16px; }
.metric strong, .stat strong { display: block; font-size: 1.7rem; margin-top: 6px; color: #0b2d43; }
.metric small, .stat .muted, .muted { color: var(--muted); }
.locked { background: #fff9ed; border: 1px solid #e8d6b3; border-radius: 12px; padding: 16px; margin-bottom: 14px; }
.flash { background: var(--mint-soft); color: var(--mint-dark); border: 1px solid #e8d5a8; padding: 12px 14px; border-radius: var(--radius-sm); margin-bottom: 14px; }
.errors { background: var(--coral-soft); color: #a53f35; border: 1px solid #f3c2c8; padding: 12px 14px; border-radius: var(--radius-sm); margin-bottom: 14px; }
.badge, .pill { display: inline-block; padding: 3px 9px; border-radius: 999px; background: #e6f2ee; color: var(--mint-dark); font-size: 12px; font-weight: 750; }
.actions, .row-actions { display: flex; flex-wrap: wrap; gap: 8px; align-items: center; }
table { width: 100%; border-collapse: collapse; }
th, td { text-align: left; padding: 12px 10px; border-bottom: 1px solid #edf0ee; vertical-align: top; font-size: 14px; }
th { color: #587075; font-size: 12px; font-weight: 800; background: #f7faf8; }
@media (max-width: 720px) { .grid-2 { grid-template-columns: 1fr; } }

/* —— Brand logo img —— */
.ry-brand-logo { height: 44px; width: auto; max-width: 220px; object-fit: contain; border-radius: 8px; }
.ry-hero-shell--home { position:relative; overflow:hidden; }
.ry-hero-bg { position:absolute; inset:0; background-size:cover; background-position:center; opacity:.35; pointer-events:none; }
.ry-hero-shell--home .ry-container { position:relative; z-index:1; }
.ry-credibility { margin-top:28px; display:grid; grid-template-columns:auto 1fr auto; gap:14px; align-items:center; padding:14px 16px; border:1px solid rgba(0,27,58,.1); border-radius:12px; background:rgba(255,255,255,.72); backdrop-filter:blur(8px); }
.ry-seal { width:48px; height:48px; display:grid; place-items:center; border-radius:50%; background:linear-gradient(145deg,#fff,#f8f1e3); color:var(--mint-dark); font-size:12px; font-weight:900; border:1px solid #e4d4b0; }
.ry-credibility strong { display:block; font-size:14px; }
.ry-credibility small { display:block; color:var(--muted); font-size:12px; margin-top:4px; line-height:1.5; }
.ry-credibility > a { width:36px; height:36px; display:grid; place-items:center; border-radius:50%; background:var(--ink); color:#fff; font-weight:800; }

.ry-hero-cta {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 14px 18px;
  margin: 22px 0 18px;
}
.ry-hero-panel {
  align-self: stretch;
  display: flex;
}
.ry-hero-panel-inner {
  width: 100%;
  padding: 28px 26px 24px;
  border: 1px solid rgba(0,27,58,.1);
  border-radius: 28px 8px;
  background: rgba(255,255,255,.94);
  box-shadow: 0 28px 70px rgba(24,66,63,.12);
  display: grid;
  align-content: start;
  gap: 0;
  position: relative;
  overflow: hidden;
}
.ry-hero-panel-inner::before {
  content: "";
  position: absolute;
  left: 0; right: 0; top: 0;
  height: 5px;
  background: linear-gradient(90deg, #e8735e 0%, #f3ad7e 45%, #58a997 100%);
}
.ry-hero-panel-inner > small {
  color: var(--mint-dark);
  font-size: 11px;
  font-weight: 850;
  letter-spacing: .14em;
}
.ry-hero-panel-inner h2 {
  margin: 10px 0 10px;
  font-size: 1.45rem;
  letter-spacing: -.03em;
}
.ry-hero-panel-inner > p {
  margin: 0 0 18px;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.7;
}
.ry-hero-panel-list {
  list-style: none;
  margin: 0 0 20px;
  padding: 0;
  display: grid;
  gap: 8px;
}
.ry-hero-panel-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 12px;
  border-radius: 12px 4px;
  background: #f5f8f6;
  border: 1px solid #e3ebe6;
  font-size: 14px;
  font-weight: 700;
}
.ry-hero-panel-list b {
  width: 28px; height: 28px;
  display: grid; place-items: center;
  border-radius: 8px 2px;
  background: var(--ink); color: #fff;
  font-size: 11px;
}
.ry-hero-panel-visual {
  margin: -6px -6px 14px;
  border-radius: 12px;
  overflow: hidden;
  border: 1px solid rgba(0,27,58,.08);
  background: #eef5f1;
}
.ry-hero-panel-visual img {
  width: 100%;
  height: 180px;
  object-fit: cover;
  display: block;
  animation: ry-float-soft 7s ease-in-out infinite;
}
.ry-guide { position: relative; overflow: hidden; }
.ry-guide-decor {
  position: absolute;
  inset: auto 0 0 0;
  height: 42%;
  opacity: .22;
  pointer-events: none;
  mask-image: linear-gradient(180deg, transparent, #000 35%, #000 75%, transparent);
}
.ry-guide-decor img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transform: scale(1.05);
  animation: ry-pan-slow 18s ease-in-out infinite alternate;
}
.ry-faq-visual {
  width: 120px;
  height: 120px;
  margin-bottom: 14px;
  border-radius: 22px 7px;
  overflow: hidden;
  border: 1px solid var(--line);
  box-shadow: 0 12px 30px rgba(0,27,58,.08);
}
.ry-faq-visual img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  animation: ry-float-soft 6.5s ease-in-out infinite;
}
.ry-page-decor {
  position: absolute;
  inset: 0;
  opacity: .18;
  pointer-events: none;
  overflow: hidden;
}
.ry-page-decor img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  animation: ry-pan-slow 22s ease-in-out infinite alternate;
}
.ry-hero-shell--page { position: relative; overflow: hidden; }

/* Motion / reveal */
[data-reveal] {
  opacity: 0;
  transform: translateY(18px);
  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;
}
.ry-how-pro article img,
.ry-compliance-grid article img {
  transition: transform .35s ease;
}
.ry-how-pro article:hover img,
.ry-compliance-grid article:hover img {
  transform: translateY(-4px) scale(1.04);
}
.ry-hero-cta .ry-btn,
.ry-hero-panel .ry-btn {
  transition: transform .2s ease, box-shadow .2s ease;
}
.ry-hero-cta .ry-btn:hover,
.ry-hero-panel .ry-btn:hover {
  transform: translateY(-2px);
}
.ry-seal {
  animation: ry-pulse-soft 3.6s ease-in-out infinite;
}
@keyframes ry-float-soft {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}
@keyframes ry-pan-slow {
  from { transform: scale(1.04) translateX(0); }
  to { transform: scale(1.08) translateX(-2%); }
}
@keyframes ry-pulse-soft {
  0%, 100% { box-shadow: 0 0 0 0 rgba(196,164,110,.18); }
  50% { box-shadow: 0 0 0 10px rgba(196,164,110,0); }
}
@media (prefers-reduced-motion: reduce) {
  [data-reveal] { opacity: 1; transform: none; transition: none; }
  .ry-hero-panel-visual img,
  .ry-faq-visual img,
  .ry-guide-decor img,
  .ry-page-decor img,
  .ry-seal { animation: none !important; }
}


.ry-home-form-wrap { transform:rotate(-.4deg); }
.ry-borrow-card { background:rgba(255,255,255,.94); border:1px solid rgba(0,27,58,.1); border-radius:28px 8px; padding:22px; box-shadow:0 28px 70px rgba(24,66,63,.14); }
.ry-borrow-card--steps { padding: 22px 22px 18px; }
.ry-borrow-head { display:flex; align-items:flex-start; justify-content:space-between; gap:12px; margin-bottom:14px; }
.ry-borrow-head small { color:var(--mint-dark); font-size:11px; font-weight:850; letter-spacing:.14em; }
.ry-borrow-head h2 { margin:6px 0 0; font-size:1.35rem; letter-spacing:-.03em; }
.ry-borrow-head p { margin:0 0 14px; color:var(--muted); font-size:13px; line-height:1.6; }
.ry-live-pill {
  display:inline-flex; align-items:center; gap:6px; flex:0 0 auto;
  padding:7px 11px; border-radius:999px; background:#f8f1e3; color:var(--mint-dark);
  font-size:12px; font-weight:800; white-space:nowrap;
}
.ry-live-pill i {
  width:7px; height:7px; border-radius:50%; background:var(--mint);
  box-shadow:0 0 0 4px rgba(196,164,110,.14);
}
.ry-stepper {
  list-style:none; margin:0 0 16px; padding:0;
  display:grid; grid-template-columns:1fr 1fr; gap:8px;
}
.ry-stepper li {
  display:flex; align-items:center; gap:8px;
  padding:10px 12px; border-radius:12px 4px;
  border:1px solid var(--line); background:#f7faf8; color:#7a8c8f;
  font-size:13px; font-weight:750;
}
.ry-stepper li b {
  width:22px; height:22px; display:grid; place-items:center;
  border-radius:50%; background:#dfe8e4; color:#5d7275; font-size:12px;
}
.ry-stepper li.is-active { border-color:#e4d4b0; background:#f8f1e3; color:var(--ink); }
.ry-stepper li.is-active b { background:var(--mint); color:#fff; }
.ry-stepper li.is-done { color:var(--mint-dark); }
.ry-stepper li.is-done b { background:var(--mint-soft); color:var(--mint-dark); }
.ry-step-lead { margin:0 0 14px; color:var(--muted); font-size:13px; line-height:1.6; }
.ry-step-error {
  margin:8px 0 0; padding:10px 12px; border-radius:10px 3px;
  background:var(--coral-soft); color:#a53f35; border:1px solid #f3c2c8;
  font-size:13px; font-weight:700;
}
.ry-step-panel[hidden] { display:none !important; }
.ry-step-summary {
  display:flex; flex-wrap:wrap; gap:6px; margin:0 0 14px;
}
.ry-step-summary span {
  padding:6px 10px; border-radius:999px; background:#f1f5f2;
  border:1px solid #dce5df; color:#456065; font-size:12px; font-weight:750;
}
.ry-assets-fold {
  margin: 4px 0 12px; border:1px dashed #cedbd4; border-radius:12px 4px; background:#f7f8fb; overflow:hidden;
}
.ry-assets-fold summary {
  list-style:none; cursor:pointer; padding:12px 14px;
  display:flex; align-items:center; justify-content:space-between; gap:10px;
  font-size:13px; font-weight:800;
}
.ry-assets-fold summary::-webkit-details-marker { display:none; }
.ry-assets-fold summary small { color:var(--muted); font-weight:650; }
.ry-assets-fold summary::after { content:"＋"; color:var(--muted); font-weight:700; }
.ry-assets-fold[open] summary::after { content:"－"; }
.ry-assets-fold .ry-chips { padding:0 12px 12px; }
.ry-consent-block {
  margin: 4px 0 14px; padding:12px; border:1px solid var(--line);
  border-radius:12px; background:#f7f8fb;
}
.ry-consent-head {
  display:flex; align-items:baseline; justify-content:space-between; gap:8px;
  margin-bottom:8px;
}
.ry-consent-head strong { font-size:14px; }
.ry-consent-head small { color:var(--muted); font-size:12px; }
.ry-check--compact {
  padding:10px 11px; margin:0 0 8px; gap:10px;
}
.ry-check--compact:last-child { margin-bottom:0; }
.ry-check--compact strong { font-size:13px; }
.ry-check--compact small { font-size:12px; }
.ry-step-actions { display:flex; gap:8px; align-items:stretch; margin-top:4px; }
.ry-step-actions .ry-btn-soft { min-width:118px; }
.ry-otp-row { display:flex; gap:8px; flex-wrap:wrap; }
.ry-otp-row input { flex:1; min-width:140px; }
.ry-assets { border:0; padding:0; margin:0 0 10px; }
.ry-assets legend { font-size:12px; font-weight:800; margin-bottom:8px; }
.ry-assets legend small { color:var(--muted); font-weight:500; }
.ry-form-foot { margin:12px 0 0; font-size:12px; color:var(--muted); text-align:center; }
.ry-form-foot a { color:var(--mint-dark); font-weight:700; }

.ry-disclose { padding:80px 0; background:#fff; border-top:1px solid rgba(0,27,58,.06); }
.ry-disclose-grid { display:grid; grid-template-columns:1fr 1fr; gap:14px; }
.ry-disclose-grid article { display:grid; grid-template-columns:auto 1fr auto; gap:14px; padding:20px; border:1px solid var(--line); border-radius:12px; background:linear-gradient(165deg,#fff,#f7faf8); }
.ry-disclose-grid b { color:var(--mint-dark); font-size:13px; letter-spacing:.08em; }
.ry-disclose-grid small { color:#75898c; font-size:11px; }
.ry-disclose-grid h3 { margin:6px 0 8px; font-size:1rem; line-height:1.4; }
.ry-disclose-grid p { margin:0; color:var(--muted); font-size:13px; line-height:1.65; }
.ry-disclose-grid em { font-style:normal; align-self:start; padding:6px 8px; border-radius:999px; background:var(--mint-soft); color:var(--mint-dark); font-size:11px; font-weight:800; white-space:nowrap; }
.ry-operator { margin-top:16px; display:grid; grid-template-columns:1fr 1fr; gap:12px; padding:16px 18px; border-radius:12px; background:var(--ink); color:#fff; }
.ry-operator span { display:block; color:#d4c09a; font-size:11px; font-weight:800; letter-spacing:.1em; }
.ry-operator strong { display:block; margin-top:6px; font-size:15px; }

.ry-section-head.center { text-align:center; margin-left:auto; margin-right:auto; }
.ry-how-pro { display:grid; grid-template-columns:repeat(3,1fr); gap:16px; }
.ry-how-pro article { padding:26px 22px; border:1px solid var(--line); border-radius:12px; background:#fff; box-shadow:0 12px 36px rgba(0,27,58,.05); transition:transform .2s ease; }
.ry-how-pro article:hover { transform:translateY(-3px); }
.ry-icon {
  display: block;
  width: 48px;
  height: 48px;
  object-fit: contain;
  border-radius: 0;
  background: transparent;
  box-shadow: none;
  flex: 0 0 auto;
}
.ry-icon-sm { width: 40px; height: 40px; }
.ry-icon-md { width: 52px; height: 52px; }
.ry-how-pro img.ry-icon { width: 64px; height: 64px; margin-bottom: 14px; }
.ry-principle .small img.ry-icon { width: 52px; height: 52px; margin-bottom: 12px; }
.ry-compliance-grid img.ry-icon { width: 48px; height: 48px; margin-bottom: 10px; }
.ry-faq-visual {
  width: 88px;
  height: 88px;
  border: 0;
  box-shadow: none;
  background: transparent;
}
.ry-faq-visual img.ry-icon {
  width: 100%;
  height: 100%;
  animation: none;
}
.ry-hero-panel-list li {
  display: flex;
  align-items: center;
  gap: 12px;
}
.ry-hero-panel-list li b { display: none; }
.ry-partner-cards article {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.ry-partner-cards article > b { display: none; }
.ry-partner-cards .ry-icon {
  width: 40px;
  height: 40px;
  background: transparent;
  box-shadow: none;
}
.ry-disclose-grid article {
  grid-template-columns: auto 1fr auto;
  align-items: start;
}
.ry-disclose-grid article > b { display: none; }
.ry-fraud-callout {
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.ry-fraud-callout > span { display: none; }
.ry-fraud-callout .ry-icon {
  width: 40px;
  height: 40px;
  box-shadow: none;
}

.ry-principle .small img { width:52px; height:52px; object-fit:cover; border-radius:12px; margin-bottom:12px; }
.ry-compliance-grid img { width:44px; height:44px; object-fit:cover; border-radius:12px 4px; margin-bottom:10px; }
.ry-hero-panel-visual img {
  width: 100%;
  height: 200px;
  object-fit: cover;
  display: block;
  animation: ry-float-soft 7s ease-in-out infinite;
}
.ry-principle .visual img { width:100%; height:320px; object-fit:cover; }
.ry-faq-visual img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  animation: ry-float-soft 6.5s ease-in-out infinite;
}
.ry-hero-bg {
  background-size: cover !important;
  background-position: center !important;
  opacity: .28;
}
.ry-how-pro b { color:var(--mint-dark); font-size:12px; letter-spacing:.08em; }
.ry-how-pro h3 { margin:10px 0 8px; font-size:1.1rem; }
.ry-how-pro p { margin:0; color:var(--muted); font-size:14px; line-height:1.7; }

.ry-guide { padding:80px 0; background:linear-gradient(180deg,#f7f8f2,#eef3ef); }
.ry-guide-layout { display:grid; grid-template-columns:.9fr 1.1fr; gap:40px; align-items:start; }
.ry-guide-hint { margin-top:18px; display:flex; gap:12px; align-items:flex-start; padding:12px 14px; border-radius:12px 4px; background:#fff; border:1px dashed #cedbd4; }
.ry-guide-hint i { width:28px; height:28px; display:grid; place-items:center; border-radius:8px; background:var(--mint-soft); color:var(--mint-dark); font-style:normal; font-weight:900; }
.ry-guide-hint strong { display:block; font-size:13px; }
.ry-guide-hint small { color:var(--muted); font-size:12px; }
.ry-guide-list details { background:#fff; border:1px solid var(--line); border-radius:12px; margin-bottom:10px; overflow:hidden; }
.ry-guide-list summary { list-style:none; cursor:pointer; display:grid; grid-template-columns:48px 1fr auto; gap:12px; align-items:center; padding:16px 18px; }
.ry-guide-list summary::-webkit-details-marker { display:none; }
.ry-guide-list summary > span:first-child { width:40px; height:40px; display:grid; place-items:center; border-radius:12px 4px; background:var(--ink); color:#fff; font-weight:900; font-size:12px; }
.ry-guide-list summary small { display:block; color:var(--mint-dark); font-size:11px; font-weight:800; }
.ry-guide-list summary strong { display:block; margin:4px 0 2px; font-size:15px; }
.ry-guide-list summary em { color:var(--muted); font-style:normal; font-size:12px; }
.ry-guide-list summary b { position:relative; width:28px; height:28px; }
.ry-guide-list summary b i { position:absolute; inset:0; display:grid; place-items:center; font-style:normal; color:var(--muted); }
.ry-guide-list details[open] summary b i:first-child { opacity:0; }
.ry-guide-list details:not([open]) summary b i:last-child { opacity:0; }
.ry-guide-body { padding:0 18px 18px 70px; color:var(--muted); font-size:14px; line-height:1.75; }
.ry-guide-body ul { margin:0 0 12px; padding-left:1.1rem; }
.ry-guide-body .note { margin:0; padding:10px 12px; background:#fff9ed; border-radius:10px 3px; color:#5d6d82; font-size:13px; }
.ry-cost-grid { display:grid; grid-template-columns:1fr 1fr; gap:8px; margin:12px 0; }
.ry-cost-grid span { padding:12px; border:1px solid var(--line); border-radius:12px 4px; background:#f7f8fb; }
.ry-cost-grid small { display:block; color:#75898c; font-size:11px; }
.ry-cost-grid strong { display:block; margin-top:4px; color:var(--ink); font-size:13px; }
.ry-fraud-callout { display:flex; gap:12px; padding:12px 14px; border-radius:12px 4px; background:#fff0ed; border:1px solid #f3c2c8; }
.ry-fraud-callout > span { width:28px; height:28px; display:grid; place-items:center; border-radius:8px; background:#ff725c; color:#fff; font-weight:900; }
.ry-fraud-callout p { margin:0; color:#7a3a32; font-size:13px; line-height:1.6; }

.ry-principle { display:grid; grid-template-columns:1.25fr .75fr; grid-template-rows:auto auto; gap:14px; }
.ry-principle .large { grid-row:1 / span 2; display:grid; gap:0; border-radius:24px 8px; overflow:hidden; border:1px solid var(--line); background:#fff; box-shadow:var(--shadow); }
.ry-principle .visual { position:relative; }
.ry-principle .visual img { width:100%; height:320px; object-fit:cover; }
.ry-principle .caption { position:absolute; left:14px; right:14px; bottom:14px; display:flex; gap:10px; align-items:center; padding:12px 14px; border-radius:12px 4px; background:rgba(255,255,255,.92); backdrop-filter:blur(8px); }
.ry-principle .caption i { width:28px; height:28px; display:grid; place-items:center; border-radius:50%; background:var(--mint); color:#fff; font-style:normal; font-weight:900; }
.ry-principle .caption small { display:block; color:var(--muted); font-size:11px; }
.ry-principle .copy { padding:22px; }
.ry-principle .copy > span, .ry-principle .small > span { color:var(--coral); font-size:12px; font-weight:850; letter-spacing:.08em; }
.ry-principle h3 { margin:8px 0 8px; font-size:1.15rem; }
.ry-principle p { margin:0; color:var(--muted); font-size:14px; line-height:1.7; }
.ry-principle .small { padding:22px; border:1px solid var(--line); border-radius:12px; background:#fff; }
.ry-principle .small img { width:52px; height:52px; object-fit:cover; border-radius:12px; margin-bottom:12px; }

.ry-partner { padding:80px 0; background:var(--ink); color:#fff; }
.ry-partner .ry-section-head > span { color:#d4c09a; }
.ry-partner .ry-section-head h2 { color:#fff; }
.ry-partner .ry-section-head p { color:#c5d0de; }
.ry-partner-grid { display:grid; grid-template-columns:1fr 1fr; gap:36px; align-items:center; }
.ry-partner-tags { display:flex; flex-wrap:wrap; gap:8px; margin-top:8px; }
.ry-partner-tags span { padding:7px 12px; border-radius:999px; background:rgba(255,255,255,.08); border:1px solid rgba(154,231,210,.25); font-size:12px; color:#cfeee6; }
.ry-partner-cards { display:grid; gap:12px; }
.ry-partner-cards article { display:flex; gap:14px; padding:16px; border-radius:12px; background:rgba(255,255,255,.06); border:1px solid rgba(255,255,255,.1); }
.ry-partner-cards b { flex:0 0 auto; width:44px; height:44px; display:grid; place-items:center; border-radius:12px 4px; background:#e8d5a8; color:#001b3a; font-size:12px; }
.ry-partner-cards strong { display:block; margin-bottom:4px; }
.ry-partner-cards p { margin:0; color:#c5d0de; font-size:13px; line-height:1.6; }

.ry-faq-layout { display:grid; grid-template-columns:.85fr 1.15fr; gap:36px; }
.ry-faq-list details { border-bottom:1px solid var(--line); padding:4px 0; }
.ry-faq-list summary { list-style:none; cursor:pointer; display:grid; grid-template-columns:42px 1fr auto; gap:12px; align-items:center; padding:14px 0; }
.ry-faq-list summary::-webkit-details-marker { display:none; }
.ry-faq-list summary > span { color:var(--mint-dark); font-weight:900; font-size:13px; }
.ry-faq-list summary b { color:var(--muted); }
.ry-faq-list p { margin:0 0 14px 54px; color:var(--muted); line-height:1.75; font-size:14px; }

.ry-compliance { padding:72px 0 40px; background:#fff; }
.ry-compliance-grid { display:grid; grid-template-columns:1fr 1fr; gap:14px; }
.ry-compliance-grid article { padding:22px; border:1px solid var(--line); border-radius:12px; background:#f7f8fb; }
.ry-compliance-grid img { width:44px; height:44px; object-fit:cover; border-radius:12px 4px; margin-bottom:10px; }
.ry-compliance-grid b { display:block; margin-bottom:8px; font-size:1rem; }
.ry-compliance-grid p { margin:0; color:var(--muted); font-size:14px; line-height:1.7; }
.ry-compliance-note { margin:18px 0 0; padding:14px 16px; border-radius:12px 4px; background:#eef2f8; color:#5d6d82; font-size:13px; line-height:1.7; }

.site-footer-pro { background:var(--ink); color:rgba(255,255,255,.78); padding:42px 0 28px; margin-top:auto; }
.site-footer-pro-inner { display:grid; gap:16px; justify-items:start; }
.site-footer-pro .ry-brand { color:#fff; }
.site-footer-pro .ry-brand small { opacity:.7; }
.site-footer-pro p { margin:0; color:#c5d0de; }
.site-footer-pro nav { display:flex; flex-wrap:wrap; gap:12px 16px; }
.site-footer-pro nav a { color:#d4c09a; font-size:13px; }
.site-footer-pro small { color:#8ea0b8; font-size:12px; }
.site-footer-contact {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 18px;
  color: #c5d0de;
  font-size: 13px;
}
.site-footer-contact a { color: #d4c09a; font-weight: 700; }

/* Public layout polish v2 */
.ry-container { width: min(1120px, calc(100% - 48px)); }
.ry-hero-shell--home {
  background:
    radial-gradient(circle at 82% 8%, rgba(196,164,110,.16), transparent 30rem),
    radial-gradient(circle at 8% 70%, rgba(0,27,58,.06), transparent 22rem),
    linear-gradient(118deg, #f7f8fb 0%, #eef2f8 48%, #e8eef6 100%);
}
.ry-hero-copy { padding-top: 12px; }
.ry-borrow-card {
  border-radius: 14px;
  box-shadow: 0 30px 70px rgba(0,27,58,.12);
}
.ry-section { padding: 88px 0; }
.ry-disclose { padding: 88px 0; }
.ry-guide { padding: 88px 0; }
.ry-partner { padding: 88px 0; }
.ry-compliance { padding: 80px 0 48px; }
.info-body {
  border-radius: 12px !important;
  padding: 28px !important;
  box-shadow: 0 14px 40px rgba(0,27,58,.05);
}
.ry-page-hero {
  padding: 36px 0 28px;
  position: relative;
  z-index: 1;
}
.ry-page-hero h1 {
  font-weight: 900;
}
.ry-nav-links a {
  position: relative;
  padding: 4px 0;
}
.ry-nav-links a::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: 0;
  height: 2px;
  background: var(--mint);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .2s ease;
}
.ry-nav-links a:hover::after { transform: scaleX(1); }

@media (max-width:960px) {
  .ry-disclose-grid, .ry-how-pro, .ry-guide-layout, .ry-principle, .ry-partner-grid, .ry-faq-layout, .ry-compliance-grid, .ry-operator, .ry-cost-grid { grid-template-columns:1fr; }
  .ry-principle .large { grid-row:auto; }
  .ry-guide-body { padding-left:18px; }
  .ry-home-form-wrap { transform:none; }
  .ry-credibility { grid-template-columns:auto 1fr; }
  .ry-credibility > a { display:none; }
}

/* —— Public polish —— */
.ry-hero-shell--page {
  background:
    radial-gradient(circle at 88% 0%, rgba(196,164,110,.12), transparent 28rem),
    linear-gradient(120deg, #f7f8fb 0%, #eef2f8 55%, #e8eef6 100%);
  border-bottom: 1px solid rgba(0,27,58,.06);
}
.ry-hero-shell--page .ry-site-nav { border-bottom-color: transparent; }
.ry-page-hero { padding: 28px 0 46px; max-width: 720px; }
.ry-page-hero h1 {
  margin: 10px 0 12px;
  font-size: clamp(1.8rem, 3.4vw, 2.55rem);
  letter-spacing: -.04em;
  line-height: 1.18;
}
.ry-page-hero p { margin: 0; color: var(--muted); font-size: 15px; line-height: 1.75; max-width: 42rem; }
.ry-section { padding: 78px 0; }
.ry-section-head { max-width: 640px; margin-bottom: 28px; }
.ry-section-head > span {
  display: inline-block;
  color: var(--mint-dark);
  font-size: 12px;
  font-weight: 850;
  letter-spacing: .14em;
}
.ry-section-head h2 {
  margin: 10px 0 12px;
  font-size: clamp(1.55rem, 2.8vw, 2.15rem);
  letter-spacing: -.035em;
  line-height: 1.25;
}
.ry-section-head p { margin: 0; color: var(--muted); line-height: 1.75; }
.ry-hero-copy h1 {
  margin: 14px 0 16px;
  font-size: clamp(2.1rem, 4.4vw, 3.35rem);
  letter-spacing: -.045em;
  line-height: 1.12;
  font-weight: 900;
}
.ry-hero-copy h1 em {
  font-style: normal;
  color: var(--mint-dark);
  background: linear-gradient(180deg, transparent 62%, rgba(196,164,110,.18) 62%);
}
.ry-hero-lede { color: #5d6d82; font-size: 16px; line-height: 1.75; max-width: 34rem; }
.ry-trust-row { display: flex; flex-wrap: wrap; gap: 10px; margin: 20px 0 8px; }
.ry-trust-row span {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 8px 12px; border-radius: 999px;
  background: rgba(255,255,255,.7);
  border: 1px solid rgba(0,27,58,.08);
  font-size: 13px; font-weight: 700; color: #3d5270;
}
.ry-trust-row i {
  width: 18px; height: 18px; display: grid; place-items: center;
  border-radius: 50%; background: var(--mint-soft); color: var(--mint-dark);
  font-style: normal; font-size: 10px; font-weight: 900;
}
.ry-hero-grid {
  display: grid; grid-template-columns: 1.05fr .95fr; gap: 36px;
  align-items: start; padding: 28px 0 56px;
}
.warm-home .ry-borrow-card { animation: ry-rise .55s ease both; }
@keyframes ry-rise {
  from { opacity: 0; transform: translateY(12px) rotate(-.4deg); }
  to { opacity: 1; transform: translateY(0) rotate(-.4deg); }
}
.ry-how-pro article, .ry-disclose-grid article, .ry-compliance-grid article {
  transition: transform .2s ease, box-shadow .2s ease;
}
.ry-how-pro article:hover, .ry-disclose-grid article:hover, .ry-compliance-grid article:hover {
  box-shadow: 0 16px 40px rgba(0,27,58,.08);
}

/* —— Ops center —— */
.ops-body {
  min-height: 100vh; color: #173038; font-size: 15px;
  background: radial-gradient(circle at 12% 0%, rgba(196,164,110,.07), transparent 26rem), #f4f6fa;
}
.ops-header {
  height: 84px; padding: 0 3vw;
  display: grid; grid-template-columns: 280px 1fr auto; align-items: center; gap: 14px;
  border-bottom: 1px solid #dde3ec; background: rgba(255,255,255,.94);
  backdrop-filter: blur(10px); position: sticky; top: 0; z-index: 20;
}
.ops-header .ry-brand-logo { width: auto; height: 40px; max-width: 168px; }
.ops-header .ry-brand strong { font-size: 17px; }
.ops-header .ry-brand small { font-size: 12px; letter-spacing: .1em; }
.ops-nav {
  justify-self: center; display: flex; align-self: stretch;
  gap: 2px 18px; flex-wrap: wrap; justify-content: center;
}
.ops-nav a {
  display: flex; align-items: center; position: relative;
  color: #5d6d82; font-size: 15px; font-weight: 750; white-space: nowrap;
  padding: 0 2px;
}
.ops-nav a:hover { color: var(--ink); }
.ops-nav a.active { color: var(--ink); }
.ops-nav a.active::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 3px;
  background: var(--mint); border-radius: 3px 3px 0 0;
}
.ops-profile { display: flex; align-items: center; gap: 10px; }
.ops-profile > span {
  width: 34px; height: 34px; display: grid; place-items: center;
  border-radius: 10px 3px; color: #9b7a3d; background: #f8f1e3; font-size: 13px; font-weight: 900;
}
.ops-profile div { display: grid; gap: 2px; }
.ops-profile strong { font-size: 14px; }
.ops-profile small { color: #8ea0b8; font-size: 12px; }
.ops-logout {
  width: 36px; height: 36px; border: 1px solid #dde3ec; border-radius: 8px 2px;
  color: #607578; background: #fff; cursor: pointer; font-size: 15px;
}
.ops-main { width: min(1240px, calc(100% - 56px)); margin: 0 auto; padding: 42px 0 70px; }
.ops-title { display: flex; justify-content: space-between; align-items: flex-end; gap: 16px; margin-bottom: 26px; }
.ops-title small { color: var(--mint-dark); font-size: 12px; font-weight: 850; letter-spacing: .14em; }
.ops-title h1 { margin: 8px 0 8px; font-size: 30px; letter-spacing: -.04em; }
.ops-title p { margin: 0; color: #5d6d82; font-size: 15px; line-height: 1.5; }
.ops-title-actions { display: flex; gap: 8px; flex-wrap: wrap; }
.ops-title-actions a, .ops-title-actions .primary {
  padding: 11px 16px; border: 1px solid #dde3ec; border-radius: 9px 3px;
  color: #5d6d82; background: #fff; font-size: 14px; font-weight: 750;
}
.ops-title-actions a.primary, .ops-title-actions .primary {
  color: #fff; background: var(--ink); border-color: var(--ink);
}
.ops-notice {
  margin: -8px 0 18px; padding: 13px 15px; display: flex; align-items: center; gap: 8px;
  border: 1px solid #e4d4b0; border-radius: 10px 3px; color: #7a5c22; background: #f8f1e3;
  font-size: 14px; font-weight: 700;
}
.ops-notice > span {
  width: 22px; height: 22px; display: grid; place-items: center; border-radius: 50%;
  color: #fff; background: var(--mint); font-size: 12px;
}
.ops-notice.err { border-color: #f3c2c8; color: #a53f35; background: var(--coral-soft); }
.ops-notice.err > span { background: var(--coral); }
.ops-metrics { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin-bottom: 16px; }
.ops-metrics article {
  min-height: 132px; padding: 18px 20px; display: grid; align-content: space-between;
  border: 1px solid #dde3ec; border-radius: 15px 4px; background: #fff;
  position: relative; overflow: hidden;
}
.ops-metrics article::after {
  content: ""; position: absolute; width: 64px; height: 64px; border-radius: 50%;
  right: -26px; top: -26px; background: #eef2f8;
}
.ops-metrics article.coral::after { background: #fff0ec; }
.ops-metrics article.gold::after { background: #fff5df; }
.ops-metrics article.blue::after { background: #edf2fb; }
.ops-metrics article > span { color: #788b8d; font-size: 14px; font-weight: 750; position: relative; z-index: 1; }
.ops-metrics article > strong { font-size: 30px; position: relative; z-index: 1; }
.ops-metrics article > small { color: #95a2a2; font-size: 13px; position: relative; z-index: 1; }
.ops-bento { display: grid; grid-template-columns: 1.55fr .85fr; gap: 14px; }
.ops-card, .ops-panel {
  padding: 22px; border: 1px solid #dde3ec; border-radius: 12px; background: #fff; margin-bottom: 14px;
}
.ops-card-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; margin-bottom: 14px; }
.ops-card-head small { color: var(--mint-dark); font-size: 12px; font-weight: 850; letter-spacing: .12em; }
.ops-card-head h2, .ops-panel h3 { margin: 6px 0 0; font-size: 18px; }
.ops-card-head a {
  padding: 8px 12px; border: 1px solid #dce4df; border-radius: 8px 2px;
  color: #718487; background: #fff; font-size: 13px; white-space: nowrap;
}
.ops-queue-row {
  display: grid; grid-template-columns: 32px 1fr auto auto; gap: 12px;
  align-items: center; padding: 14px 0; border-top: 1px solid #edf1ee;
}
.ops-queue-row > span {
  width: 30px; height: 30px; display: grid; place-items: center; border-radius: 8px 2px;
  color: #a26423; background: #fff0dd; font-size: 13px; font-weight: 900;
}
.ops-queue-row.urgent > span { color: #b24f3f; background: #ffebe7; }
.ops-queue-row.low > span { color: #397967; background: #e6f5f1; }
.ops-queue-row strong { display: block; font-size: 15px; }
.ops-queue-row small { color: #93a0a0; font-size: 13px; }
.ops-queue-row em {
  padding: 5px 10px; border-radius: 99px; color: #61777a; background: #edf2ef;
  font-size: 12px; font-style: normal;
}
.ops-queue-row a { color: var(--mint-dark); font-size: 14px; font-weight: 800; }
.ops-shortcuts { display: grid; gap: 8px; }
.ops-shortcuts a {
  display: grid; gap: 3px; padding: 14px 16px; border: 1px solid #e3ebe6;
  border-radius: 12px 4px; background: #f8faf8;
}
.ops-shortcuts a:hover { border-color: #e4d4b0; background: #eef7f3; }
.ops-shortcuts b { font-size: 15px; }
.ops-shortcuts span { color: #5d6d82; font-size: 13px; }
.ops-table { width: 100%; border-collapse: collapse; }
.ops-table th, .ops-table td {
  text-align: left; padding: 14px 12px; border-bottom: 1px solid #edf1ee;
  vertical-align: top; font-size: 15px;
}
.ops-table th { color: #7a8b8d; background: #f8faf8; font-size: 13px; font-weight: 800; }
.ops-toolbar { display: flex; flex-wrap: wrap; gap: 12px; align-items: flex-end; margin-bottom: 16px; }
.ops-toolbar label { display: grid; gap: 6px; font-size: 13px; font-weight: 800; }
.ops-pager { margin-top: 14px; font-size: 14px; }
.ops-grid-2 { display: grid; grid-template-columns: 1.1fr .9fr; gap: 14px; }
.ops-dl { display: grid; gap: 10px; margin: 0; }
.ops-dl div {
  display: grid; grid-template-columns: 120px 1fr; gap: 8px;
  padding: 10px 0; border-bottom: 1px solid #eef1f6;
}
.ops-dl dt { color: #5d6d82; font-size: 14px; }
.ops-dl dd { margin: 0; font-weight: 650; font-size: 15px; }
.ops-stack { display: grid; gap: 10px; }
.ops-hr { border: 0; border-top: 1px solid #e8eee9; margin: 18px 0; }
.ops-ad-row { padding: 16px 0; border-top: 1px solid #edf1ee; display: grid; gap: 10px; font-size: 15px; }
.ops-ad-row strong { font-size: 16px; }
.ops-member { margin-bottom: 16px; }
.ops-body .btn, .ops-body button.btn, .ops-body button:not(.ops-logout) {
  font-size: 14px; padding: 10px 16px;
}
.ops-body .field > span, .ops-body label.field > span { font-size: 13px; }
.ops-body .muted { font-size: 13px; }
.ops-body .pill { font-size: 13px; padding: 4px 10px; }
.check-inline {
  display: inline-flex; align-items: center; gap: 8px; margin: 8px 0 14px;
  font-size: 15px; font-weight: 650;
}
.checks { display: grid; gap: 8px; }
.checks label {
  display: flex; gap: 8px; align-items: center; padding: 10px 12px;
  border: 1px solid var(--line); border-radius: 10px 3px; background: #f7f8fb; font-size: 14px;
}

/* Merchant sidebar nav readability */
.ry-side-nav a { font-size: 15px; padding: 11px 12px; }
.ry-topbar small { font-size: 12px; }
.ry-topbar h1 { font-size: clamp(26px, 3vw, 34px); }

@media (max-width: 1200px) {
  .ops-nav { gap: 2px 12px; }
  .ops-nav a { font-size: 14px; }
}
@media (max-width: 1100px) {
  .ops-header { grid-template-columns: 1fr auto; }
  .ops-nav { display: none; }
  .ops-metrics { grid-template-columns: 1fr 1fr; }
  .ops-bento, .ops-grid-2, .ry-hero-grid { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  .ops-header { padding: 0 14px; height: 72px; }
  .ops-profile div, .ops-profile > span { display: none; }
  .ops-main { width: calc(100% - 28px); padding-top: 28px; }
  .ops-title { align-items: flex-start; flex-direction: column; }
  .ops-title h1 { font-size: 24px; }
  .ops-metrics { gap: 8px; }
  .ops-queue-row { grid-template-columns: 32px 1fr auto; }
  .ops-queue-row em { display: none; }
  .ops-dl div { grid-template-columns: 1fr; }
}