/* ========================================================================
   Royal Finance Zero Section — full rewrite
   Fixes:
   1) adds real spacing above the section so it no longer hugs the wave divider
   2) forces the eyebrow to sit above the title every time
   3) swaps the background to the luxury 3D palette
   4) gives the finance card a richer metallic / executive look
   ======================================================================== */

.royal-finance-zero-section,
.royal-finance-zero-section *,
.royal-finance-zero-section *::before,
.royal-finance-zero-section *::after {
  box-sizing: border-box;
}

.royal-finance-zero-section {
  --royal-navy: var(--rf-brand, #0a2342);
  --royal-navy-deep: #08172c;
  --royal-steel: #2d4373;
  --royal-blue-glow: #7fa6e1;
  --royal-gold-light: #fff2bf;
  --royal-gold: #d6b25e;
  --royal-gold-rich: #b88617;
  --royal-gold-deep: #8a6312;
  --royal-plum-glow: rgba(149, 8, 112, 0.10);
  --royal-text: #0f172a;
  --royal-text-soft: #526173;
  --royal-white: #ffffff;
  --royal-border: rgba(10, 35, 66, 0.10);
  --royal-border-strong: rgba(10, 35, 66, 0.16);
  --royal-shadow-xl: 0 30px 60px rgba(2, 6, 23, 0.18);
  --royal-shadow-lg: 0 22px 46px rgba(10, 35, 66, 0.14);
  --royal-shadow-md: 0 14px 30px rgba(10, 35, 66, 0.10);
  --royal-shell-bg: linear-gradient(
    180deg,
    rgba(255, 255, 255, 0.96) 0%,
    rgba(248, 250, 252, 0.94) 55%,
    rgba(247, 244, 234, 0.96) 100%
  );

  position: relative;
  isolation: isolate;
  overflow: visible;
  margin: clamp(2.75rem, 6vw, 5.5rem) 0 clamp(2rem, 5vw, 4.5rem);
  padding: clamp(1rem, 2.4vw, 1.5rem);
  border-radius: 36px;

  background:
    radial-gradient(900px 380px at 14% 0%, rgba(251, 191, 36, 0.20), transparent 56%),
    radial-gradient(820px 420px at 86% 2%, rgba(149, 8, 112, 0.10), transparent 60%),
    radial-gradient(1200px 520px at 50% 100%, rgba(127, 166, 225, 0.18), transparent 72%),
    linear-gradient(180deg, #f8fafc 0%, #eef2ff 52%, #f7f2e8 100%);

  box-shadow:
    0 24px 48px rgba(2, 6, 23, 0.08),
    inset 0 1px 0 rgba(255, 255, 255, 0.55);
}

.royal-finance-zero-section::before {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  border: 1px solid rgba(255, 255, 255, 0.42);
  pointer-events: none;
}

.royal-finance-zero-section::after {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  background: radial-gradient(620px 180px at 50% 0%, rgba(255, 255, 255, 0.24), transparent 70%);
  pointer-events: none;
}

.royal-finance-zero__inner {
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: 1160px;
  margin: 0 auto;
  padding: clamp(2rem, 4vw, 3.25rem);
  border-radius: 30px;
  border: 1px solid var(--royal-border);
  background: var(--royal-shell-bg);

  box-shadow:
    var(--royal-shadow-xl),
    inset 0 1px 0 rgba(255, 255, 255, 0.94);

  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
}

.royal-finance-zero__inner::before {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  padding: 1px;
  background: linear-gradient(
    135deg,
    rgba(255, 255, 255, 0.88),
    rgba(214, 178, 94, 0.28),
    rgba(127, 166, 225, 0.16),
    rgba(255, 255, 255, 0.74)
  );

  -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor;
  mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  mask-composite: exclude;
  pointer-events: none;
}

.royal-finance-zero__inner::after {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  background:
    radial-gradient(340px 180px at 10% 8%, rgba(255, 255, 255, 0.38), transparent 72%),
    radial-gradient(280px 180px at 90% 10%, rgba(127, 166, 225, 0.10), transparent 70%);
  pointer-events: none;
}

.royal-finance-zero__header,
.royal-finance-zero__stage,
.royal-finance-zero__body {
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: 980px;
  margin-left: auto;
  margin-right: auto;
}

.royal-finance-zero__header {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1rem;
  text-align: center;
  margin-bottom: clamp(1.8rem, 3vw, 2.6rem);
}

.royal-finance-zero__eyebrow {
  margin: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 38px;
  padding: 0.55rem 1rem;
  border-radius: 999px;
  font-family: 'Roboto', 'Inter', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: #ffffff;
  background: linear-gradient(145deg, #1a2748 0%, #2d4373 55%, #0a2342 100%);
  border: 1px solid rgba(255, 255, 255, 0.08);
  box-shadow:
    0 10px 22px rgba(10, 35, 66, 0.18),
    inset 0 1px 0 rgba(255, 255, 255, 0.10);
}

.royal-finance-zero__title {
  margin: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.9rem;
  flex-wrap: wrap;
  text-align: center;
  line-height: 1.05;
}

.royal-finance-zero__title-logo {
  width: 52px;
  height: auto;
  display: inline-block;
  flex: 0 0 auto;
  transform: translateY(-1px);
  filter:
    drop-shadow(0 8px 18px rgba(10, 35, 66, 0.14))
    drop-shadow(0 4px 10px rgba(214, 178, 94, 0.18));
}

.royal-finance-zero__title span {
  display: inline-block;
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(2.2rem, 4.4vw, 3.65rem);
  font-weight: 700;
  letter-spacing: -0.035em;
  line-height: 1.04;
  background: linear-gradient(180deg, var(--royal-gold-light) 0%, var(--royal-gold) 40%, var(--royal-gold-deep) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  color: transparent;
}

.royal-finance-zero__stage {
  margin-bottom: clamp(1.8rem, 3vw, 2.4rem);
}

.royal-finance-zero__card-wrap {
  position: relative;
  max-width: 620px;
  margin: 0 auto;
}

.royal-finance-zero__card-wrap::before {
  content: "";
  position: absolute;
  left: 8%;
  right: 8%;
  bottom: -28px;
  height: 56px;
  background: radial-gradient(ellipse at center, rgba(10, 35, 66, 0.28) 0%, rgba(10, 35, 66, 0) 72%);
  filter: blur(18px);
  pointer-events: none;
}

.royal-finance-zero__limited-badge {
  position: absolute;
  top: -14px;
  right: 22px;
  z-index: 3;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 38px;
  padding: 0.35rem 0.95rem;
  border-radius: 999px;
  font-family: 'Roboto', 'Inter', system-ui, sans-serif;
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--royal-navy);
  background: linear-gradient(180deg, #fff6d5 0%, #e9c96a 100%);
  border: 1px solid rgba(10, 35, 66, 0.10);
  box-shadow:
    0 10px 18px rgba(10, 35, 66, 0.14),
    inset 0 1px 0 rgba(255, 255, 255, 0.96);
}

.royal-finance-card {
  position: relative;
  overflow: hidden;
  min-height: 330px;
  padding: 1.6rem 1.55rem 1.4rem;
  border-radius: 32px;
  color: var(--royal-navy);

  background:
    radial-gradient(circle at 14% 16%, rgba(255, 255, 255, 0.66), transparent 24%),
    radial-gradient(circle at 86% 22%, rgba(255, 255, 255, 0.18), transparent 26%),
    radial-gradient(circle at 80% 82%, rgba(255, 241, 191, 0.28), transparent 28%),
    linear-gradient(135deg, #fff5cb 0%, #f4d47f 15%, #d6ad4f 31%, #b88617 45%, #f0d27a 61%, #a97712 80%, #7f5a10 100%);

  border: 1px solid rgba(255, 255, 255, 0.32);
  box-shadow:
    0 34px 64px rgba(10, 35, 66, 0.22),
    0 16px 32px rgba(184, 134, 23, 0.20),
    inset 0 1px 0 rgba(255, 255, 255, 0.74),
    inset 0 -2px 0 rgba(127, 90, 16, 0.18);
}

.royal-finance-card::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    115deg,
    transparent 0%,
    rgba(255, 255, 255, 0.05) 18%,
    rgba(255, 255, 255, 0.30) 34%,
    rgba(255, 255, 255, 0.08) 49%,
    transparent 66%
  );
  transform: translateX(-8%);
  pointer-events: none;
}

.royal-finance-card::after {
  content: "";
  position: absolute;
  inset: 10px;
  border-radius: 24px;
  border: 1px solid rgba(255, 255, 255, 0.26);
  pointer-events: none;
}

.royal-finance-card__top,
.royal-finance-card__chip-row,
.royal-finance-card__number,
.royal-finance-card__bottom {
  position: relative;
  z-index: 1;
}

.royal-finance-card__top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
}

.royal-finance-card__brand {
  display: flex;
  align-items: center;
  gap: 0.78rem;
  min-width: 0;
}

.royal-finance-card__logo {
  width: 44px;
  height: auto;
  flex: 0 0 auto;
  filter: drop-shadow(0 3px 8px rgba(10, 35, 66, 0.12));
}

.royal-finance-card__brand-copy {
  display: flex;
  flex-direction: column;
  min-width: 0;
}

.royal-finance-card__brand-name {
  font-family: 'Roboto', 'Inter', system-ui, sans-serif;
  font-size: 0.86rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #13233e;
}

.royal-finance-card__brand-sub {
  margin-top: 0.16rem;
  font-family: 'Roboto', 'Inter', system-ui, sans-serif;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(19, 35, 62, 0.76);
}

.royal-finance-card__offer {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  flex: 0 0 auto;
}

.royal-finance-card__offer span {
  font-family: 'Roboto', 'Inter', system-ui, sans-serif;
  font-size: clamp(1.7rem, 3vw, 2.2rem);
  font-weight: 900;
  line-height: 1;
  color: #13233e;
}

.royal-finance-card__offer small {
  margin-top: 0.14rem;
  font-family: 'Roboto', 'Inter', system-ui, sans-serif;
  font-size: 0.72rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(19, 35, 62, 0.82);
}

.royal-finance-card__chip-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: 1.9rem;
}

.royal-finance-card__chip {
  position: relative;
  display: inline-block;
  width: 56px;
  height: 40px;
  border-radius: 10px;
  background: linear-gradient(135deg, #d1b45f 0%, #f8e4a4 50%, #ab8526 100%);
  border: 1px solid rgba(19, 35, 62, 0.14);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.72),
    0 5px 10px rgba(15, 23, 42, 0.08);
}

.royal-finance-card__chip::before,
.royal-finance-card__chip::after {
  content: "";
  position: absolute;
  inset: 7px 18px;
  border-left: 1px solid rgba(19, 35, 62, 0.28);
  border-right: 1px solid rgba(19, 35, 62, 0.28);
}

.royal-finance-card__tap {
  display: inline-flex;
  align-items: center;
  gap: 3px;
  transform: rotate(-10deg);
}

.royal-finance-card__tap span {
  display: block;
  width: 8px;
  height: 8px;
  border: 2px solid rgba(19, 35, 62, 0.54);
  border-left-color: transparent;
  border-bottom-color: transparent;
  border-radius: 50%;
}

.royal-finance-card__number {
  margin-top: 2.1rem;
  font-family: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, 'Liberation Mono', monospace;
  font-size: clamp(1.08rem, 2vw, 1.5rem);
  font-weight: 700;
  letter-spacing: 0.18em;
  line-height: 1.2;
  color: #13233e;
  font-variant-numeric: tabular-nums;
  text-shadow: 0 1px 0 rgba(255, 255, 255, 0.40);
  white-space: nowrap;
}

.royal-finance-card__bottom {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  margin-top: 2rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(19, 35, 62, 0.12);
}

.royal-finance-card__field {
  display: flex;
  flex-direction: column;
  min-width: 0;
}

.royal-finance-card__field--right {
  text-align: right;
}

.royal-finance-card__label {
  font-family: 'Roboto', 'Inter', system-ui, sans-serif;
  font-size: 0.62rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: rgba(19, 35, 62, 0.68);
}

.royal-finance-card__value {
  margin-top: 0.32rem;
  font-family: 'Roboto', 'Inter', system-ui, sans-serif;
  font-size: 0.88rem;
  font-weight: 800;
  letter-spacing: 0.04em;
  color: #13233e;
}

.royal-finance-zero__body {
  text-align: center;
  padding: clamp(1.35rem, 3vw, 2rem);
  border-radius: 24px;
  border: 1px solid rgba(10, 35, 66, 0.08);
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.74), rgba(248, 250, 252, 0.86));
  box-shadow:
    0 14px 28px rgba(10, 35, 66, 0.06),
    inset 0 1px 0 rgba(255, 255, 255, 0.94);
}

.royal-finance-zero__subtitle {
  max-width: 760px;
  margin: 0 auto;
  font-family: 'Roboto', 'Inter', system-ui, sans-serif;
  font-size: 1.04rem;
  line-height: 1.82;
  color: var(--royal-text-soft);
}

.royal-finance-zero__subtitle strong {
  color: var(--royal-navy);
  font-weight: 800;
}

.royal-finance-zero__actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.9rem;
  margin-top: 1.65rem;
}

.royal-finance-zero__primary-button,
.royal-finance-zero__secondary-button {
  min-height: 54px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  padding: 0.98rem 1.55rem;
  border-radius: 999px;
  text-decoration: none !important;
  font-family: 'Roboto', 'Inter', system-ui, sans-serif;
  font-weight: 700;
  font-size: 0.96rem;
  line-height: 1;
  transition:
    transform 0.2s ease,
    box-shadow 0.2s ease,
    background 0.2s ease,
    border-color 0.2s ease,
    color 0.2s ease;
}

.royal-finance-zero__primary-button {
  color: #ffffff !important;
  background: linear-gradient(145deg, #1a2748 0%, #2d4373 55%, #0a2342 100%);
  border: 1px solid rgba(255, 255, 255, 0.08);
  box-shadow:
    0 12px 24px rgba(10, 35, 66, 0.18),
    inset 0 1px 0 rgba(255, 255, 255, 0.08);
}

.royal-finance-zero__primary-button:hover,
.royal-finance-zero__primary-button:focus-visible {
  transform: translateY(-2px);
  background: linear-gradient(145deg, #23345b 0%, #345086 58%, #0a1b34 100%);
  border-color: rgba(214, 178, 94, 0.44);
  box-shadow:
    0 16px 30px rgba(10, 35, 66, 0.22),
    0 4px 14px rgba(214, 178, 94, 0.14);
}

.royal-finance-zero__secondary-button {
  color: var(--royal-navy) !important;
  background: linear-gradient(180deg, #ffffff 0%, #f7f3ea 100%);
  border: 1px solid rgba(10, 35, 66, 0.10);
  box-shadow:
    0 12px 24px rgba(10, 35, 66, 0.08),
    inset 0 1px 0 rgba(255, 255, 255, 0.98);
}

.royal-finance-zero__secondary-button:hover,
.royal-finance-zero__secondary-button:focus-visible {
  transform: translateY(-2px);
  color: #ffffff !important;
  background: linear-gradient(145deg, #1a2748 0%, #2d4373 55%, #0a2342 100%);
  border-color: rgba(214, 178, 94, 0.42);
  box-shadow:
    0 16px 30px rgba(10, 35, 66, 0.18),
    0 4px 14px rgba(214, 178, 94, 0.12);
}

.royal-finance-zero__primary-button:focus-visible,
.royal-finance-zero__secondary-button:focus-visible {
  outline: none;
}

.royal-finance-zero__disclaimer {
  max-width: 700px;
  margin: 1rem auto 0;
  font-family: 'Roboto', 'Inter', system-ui, sans-serif;
  font-size: 0.84rem;
  line-height: 1.66;
  color: var(--royal-text-soft);
}

#appointment-wizard {
  scroll-margin-top: 120px;
}

@media (max-width: 900px) {
  .royal-finance-zero__inner {
    padding: 1.75rem;
  }

  .royal-finance-zero__body {
    padding: 1.25rem;
  }
}

@media (max-width: 767px) {
  .royal-finance-zero-section {
    margin-top: clamp(2rem, 8vw, 3rem);
    padding: 0.8rem;
    border-radius: 28px;
  }

  .royal-finance-zero__inner {
    padding: 1.35rem;
    border-radius: 24px;
  }

  .royal-finance-zero__header {
    gap: 0.82rem;
    margin-bottom: 1.45rem;
  }

  .royal-finance-zero__title {
    gap: 0.68rem;
  }

  .royal-finance-zero__title-logo {
    width: 42px;
  }

  .royal-finance-zero__title span {
    font-size: 1.95rem;
  }

  .royal-finance-zero__stage {
    margin-bottom: 1.45rem;
  }

  .royal-finance-zero__card-wrap {
    max-width: 100%;
  }

  .royal-finance-zero__limited-badge {
    top: -10px;
    right: 14px;
    min-height: 32px;
    padding: 0.28rem 0.72rem;
    font-size: 0.66rem;
  }

  .royal-finance-card {
    min-height: 284px;
    padding: 1.15rem 1rem 1rem;
    border-radius: 24px;
  }

  .royal-finance-card::after {
    inset: 8px;
    border-radius: 18px;
  }

  .royal-finance-card__brand-name {
    font-size: 0.77rem;
  }

  .royal-finance-card__brand-sub {
    font-size: 0.6rem;
  }

  .royal-finance-card__offer span {
    font-size: 1.4rem;
  }

  .royal-finance-card__chip-row {
    margin-top: 1.55rem;
  }

  .royal-finance-card__number {
    margin-top: 1.55rem;
    font-size: 0.96rem;
    letter-spacing: 0.11em;
    white-space: normal;
  }

  .royal-finance-card__bottom {
    margin-top: 1.35rem;
  }

  .royal-finance-card__value {
    font-size: 0.78rem;
  }

  .royal-finance-zero__subtitle {
    font-size: 0.97rem;
    line-height: 1.72;
  }

  .royal-finance-zero__actions {
    gap: 0.75rem;
  }

  .royal-finance-zero__primary-button,
  .royal-finance-zero__secondary-button {
    width: 100%;
  }
}

@media (max-width: 460px) {
  .royal-finance-zero__title {
    flex-direction: column;
  }

  .royal-finance-card__top {
    flex-direction: column;
    align-items: flex-start;
  }

  .royal-finance-card__offer {
    align-items: flex-start;
  }
}

@media (max-width: 420px) {
  .royal-finance-zero__title span {
    font-size: 1.62rem;
  }

  .royal-finance-zero__eyebrow {
    font-size: 0.68rem;
    letter-spacing: 0.14em;
    padding: 0.42rem 0.74rem;
  }

  .royal-finance-card__logo {
    width: 38px;
  }

  .royal-finance-card__number {
    font-size: 0.88rem;
  }

  .royal-finance-zero__inner {
    padding: 1.1rem;
  }
}