/* Candai — dynamic credit pre-qualification wizard */
.rf-section{background:var(--offwhite);padding:3.5rem 0 5rem;min-height:60vh;}
.rf-card{max-width:820px;margin:0 auto;background:var(--white);border:1px solid var(--gray-light);padding:2.75rem 3rem;position:relative;}
.rf-top{display:flex;justify-content:space-between;align-items:center;gap:1rem;margin-bottom:1.5rem;flex-wrap:wrap;}
.rf-lang{display:flex;align-items:center;gap:.6rem;font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;color:var(--gray-dark);}
.rf-lang select{font:inherit;text-transform:none;letter-spacing:0;padding:.45rem .7rem;border:1px solid var(--gray-light);background:var(--white);color:var(--charcoal);}
.rf-progress{height:3px;background:var(--gray-light);margin-bottom:2rem;}
.rf-progress span{display:block;height:100%;width:0;background:var(--gold);transition:width .35s ease;}
.rf-step-count{font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-dark);margin-bottom:.75rem;}
.rf-q{font-family:var(--font-serif);font-size:1.7rem;line-height:1.3;color:var(--black);margin-bottom:.6rem;}
.rf-q .rf-req{color:var(--gold-dark);}
.rf-help{color:var(--gray-dark);font-size:.95rem;margin-bottom:1.5rem;}
.rf-highlight{background:#FBF6E9;border-left:3px solid var(--gold);padding:.85rem 1rem;margin:0 0 1.5rem;font-size:.95rem;color:var(--charcoal);}
.rf-highlight strong{color:var(--black);}
.rf-input,.rf-textarea{width:100%;font:inherit;padding:.9rem 1rem;border:1px solid var(--gray-light);background:var(--white);color:var(--charcoal);margin-bottom:1rem;}
.rf-input:focus,.rf-textarea:focus{outline:2px solid var(--gold);outline-offset:0;border-color:var(--gold);}
.rf-label{display:block;font-size:.78rem;letter-spacing:.06em;text-transform:uppercase;color:var(--gray-dark);margin-bottom:.35rem;}
.rf-options{display:flex;flex-direction:column;gap:.7rem;margin-bottom:1rem;}
.rf-opt{display:flex;align-items:center;gap:.9rem;padding:1rem 1.15rem;border:1px solid var(--gray-light);background:var(--white);cursor:pointer;transition:var(--transition);text-align:left;font:inherit;color:var(--charcoal);width:100%;}
.rf-opt:hover{border-color:var(--gold);background:#FDFBF5;}
.rf-opt.selected{border-color:var(--gold-dark);background:#FBF6E9;}
.rf-opt .rf-mark{flex:0 0 18px;height:18px;border:1.5px solid var(--gray);border-radius:50%;position:relative;}
.rf-opt.multi .rf-mark{border-radius:3px;}
.rf-opt.selected .rf-mark{border-color:var(--gold-dark);background:var(--gold-dark);}
.rf-opt.selected .rf-mark::after{content:'';position:absolute;left:5px;top:1px;width:5px;height:10px;border:solid #fff;border-width:0 2px 2px 0;transform:rotate(45deg);}
.rf-yesno{flex-direction:row;}
.rf-yesno .rf-opt{justify-content:center;font-weight:600;}
.rf-error{color:#A12B1F;font-size:.85rem;min-height:1.2rem;margin-bottom:.5rem;}
.rf-nav{display:flex;justify-content:space-between;align-items:center;gap:1rem;margin-top:1.25rem;}
.rf-back{background:none;border:none;color:var(--gray-dark);font:inherit;cursor:pointer;text-decoration:underline;padding:.5rem 0;}
.rf-back[disabled]{visibility:hidden;}
.rf-inline{display:flex;gap:.75rem;align-items:center;flex-wrap:wrap;}
.rf-inline .rf-input{flex:1 1 220px;margin-bottom:0;}
.rf-alt{background:none;border:1px solid var(--gray);color:var(--charcoal);padding:.85rem 1.1rem;font:inherit;cursor:pointer;}
.rf-alt.selected{border-color:var(--gold-dark);background:#FBF6E9;}
.rf-honey{position:absolute;left:-9999px;opacity:0;height:0;width:0;}
.rf-intro .rf-points{margin:1.25rem 0 1.75rem;display:grid;gap:.75rem;}
.rf-intro .rf-points p{padding-left:1.1rem;position:relative;font-size:.95rem;color:var(--gray-dark);}
.rf-intro .rf-points p::before{content:'';position:absolute;left:0;top:.6em;width:6px;height:6px;background:var(--gold);}
.rf-conf{font-size:.82rem;color:var(--gray-dark);border-top:1px solid var(--gray-light);padding-top:1rem;margin-top:1.5rem;}
/* results */
.rf-result-head{text-align:center;margin-bottom:2rem;}
.rf-result-head h2{font-size:1.9rem;margin-bottom:.6rem;}
.rf-pcard{border:1px solid var(--gray-light);padding:1.75rem;margin-bottom:1.25rem;background:var(--white);}
.rf-pcard.strong{border-color:var(--gold-dark);box-shadow:0 0 0 1px var(--gold-dark) inset;}
.rf-tag{display:inline-block;font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;padding:.3rem .6rem;margin-bottom:.8rem;background:var(--black);color:var(--gold-light);}
.rf-tag.possible{background:var(--offwhite);color:var(--gold-dark);border:1px solid var(--gold);}
.rf-pcard h3{font-size:1.35rem;margin-bottom:.5rem;}
.rf-pcard p.rf-desc{color:var(--gray-dark);font-size:.95rem;margin-bottom:1rem;}
.rf-terms{display:grid;grid-template-columns:repeat(2,1fr);gap:.85rem 1.5rem;margin-bottom:1rem;}
.rf-terms div span{display:block;font-size:.7rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gray);}
.rf-terms div strong{font-weight:600;font-size:.95rem;color:var(--black);}
.rf-notes{font-size:.85rem;color:var(--gray-dark);padding-left:1.1rem;list-style:disc;}
.rf-estimate{background:#FBF6E9;border-left:3px solid var(--gold);padding:1rem 1.1rem;font-size:.9rem;margin:1.5rem 0;}
.rf-cta{text-align:center;background:var(--black);color:var(--white);padding:2.25rem 1.5rem;margin-top:1.5rem;}
.rf-cta h3{color:var(--white);font-size:1.4rem;margin-bottom:.6rem;}
.rf-cta p{color:var(--gray-light);margin-bottom:1.25rem;font-size:.95rem;}
.rf-cta .btn{background:var(--gold);border-color:var(--gold);color:var(--black);}
.rf-cta .btn:hover{background:var(--gold-light);border-color:var(--gold-light);color:var(--black);}
.rf-contacts{margin-top:1.25rem;font-size:.9rem;color:var(--gray-dark);}
.rf-contacts a{text-decoration:underline;color:var(--gold-dark);}
.rf-sendnote{font-size:.8rem;color:var(--gray);text-align:center;margin-top:1rem;}
.rf-noscript{max-width:820px;margin:0 auto;padding:2rem;background:#fff;border:1px solid var(--gray-light);}
@media(max-width:640px){
  .rf-card{padding:1.75rem 1.25rem;}
  .rf-q{font-size:1.4rem;}
  .rf-terms{grid-template-columns:1fr;}
  .rf-yesno{flex-direction:column;}
}

/* ===== v2: premium look & interaction ===== */
.rf-section{background:radial-gradient(1200px 500px at 50% -10%,#FBF6E9 0%,var(--offwhite) 60%);}
.rf-card{box-shadow:0 30px 80px -30px rgba(10,10,10,.25);border-top:3px solid var(--gold);overflow:hidden;}
.rf-body{animation:rfIn .45s cubic-bezier(.2,.7,.2,1);}
@keyframes rfIn{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.rf-options .rf-opt{animation:rfIn .5s both;}
.rf-options .rf-opt:nth-child(2){animation-delay:.04s}.rf-options .rf-opt:nth-child(3){animation-delay:.08s}.rf-options .rf-opt:nth-child(4){animation-delay:.12s}.rf-options .rf-opt:nth-child(5){animation-delay:.16s}.rf-options .rf-opt:nth-child(6){animation-delay:.2s}.rf-options .rf-opt:nth-child(7){animation-delay:.24s}
.rf-opt:hover{transform:translateX(4px);box-shadow:0 6px 18px -10px rgba(0,0,0,.35);}
.rf-yesno .rf-opt{padding:1.35rem 1rem;font-size:1.1rem;}
.rf-yesno .rf-opt:hover{transform:translateY(-3px);}
.rf-progress{height:5px;border-radius:5px;overflow:hidden;background:#EDE6D3;}
.rf-progress span{background:linear-gradient(90deg,var(--gold-dark),var(--gold),var(--gold-light));border-radius:5px;}
.rf-chips{display:flex;gap:.6rem;flex-wrap:wrap;margin:.2rem 0 1rem;padding-left:.2rem;}
.rf-chip{padding:.55rem 1.1rem;border:1px solid var(--gray-light);background:#fff;border-radius:999px;font:inherit;cursor:pointer;transition:var(--transition);}
.rf-chip:hover{border-color:var(--gold);}
.rf-chip.selected{background:var(--black);color:var(--gold-light);border-color:var(--black);}
.rf-extra{margin-top:.3rem;}
.rf-usd{display:flex;gap:1.1rem;align-items:flex-start;background:linear-gradient(135deg,#111 0%,#242018 100%);color:#fff;padding:1.4rem 1.5rem;margin:0 0 1.5rem;border-left:4px solid var(--gold);}
.rf-usd-badge{flex:0 0 58px;height:58px;border-radius:50%;background:var(--gold);color:#111;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1.05rem;}
.rf-usd strong{display:block;font-size:1.02rem;line-height:1.5;color:#fff;font-weight:600;}
.rf-usd-ex{margin-top:.55rem;font-size:.88rem;color:var(--gold-light);}
.rf-intro .rf-q{font-size:2rem;}
.rf-pcard{position:relative;overflow:hidden;animation:rfIn .6s both;transition:transform .25s,box-shadow .25s;}
.rf-pcard:hover{transform:translateY(-3px);box-shadow:0 18px 40px -22px rgba(0,0,0,.4);}
.rf-pcard::before{content:'';position:absolute;left:0;top:0;bottom:0;width:5px;background:var(--gold);}
.rf-pcard.strong::before{background:linear-gradient(var(--gold-light),var(--gold-dark));}
.rf-pcard:nth-of-type(2){animation-delay:.1s}.rf-pcard:nth-of-type(3){animation-delay:.2s}.rf-pcard:nth-of-type(4){animation-delay:.3s}
.rf-terms div{background:var(--offwhite);padding:.8rem .95rem;border-radius:2px;}
.rf-check{display:flex;justify-content:space-between;align-items:center;gap:1.5rem;flex-wrap:wrap;border:1px solid var(--gold);background:#FDFBF5;padding:1.5rem 1.75rem;margin-top:1.25rem;}
.rf-check h3{font-size:1.15rem;margin-bottom:.3rem;}
.rf-check p{font-size:.9rem;color:var(--gray-dark);max-width:430px;}
.rf-check .btn{border-color:var(--black);color:var(--black);background:transparent;}
.rf-check .btn:hover{background:var(--black);color:var(--gold-light);}
@media(max-width:640px){.rf-usd{flex-direction:column}.rf-check{flex-direction:column;align-items:flex-start}}