.rate-hero .article-lead{align-items:center}
.rate-card{background:linear-gradient(145deg,#102947,#0b1d34);border:1px solid #284467;border-radius:18px;padding:26px}
.rate-card>small{display:block;color:#69a9ff;font-size:11px;font-weight:800;letter-spacing:.08em;margin-bottom:18px}
.rate-stack{display:grid;gap:9px}
.rate-stack span{display:flex;align-items:center;justify-content:space-between;background:#0a192d;border:1px solid #233d5c;border-radius:10px;padding:13px 14px;color:#a9bad0;font-size:12px}
.rate-stack span b{color:#fff;font-size:13px}
.rate-stack span:last-child{background:#12386a;border-color:#285b96}
.rate-card>p{color:#91a4ba;font-size:12px;line-height:1.6;margin:18px 0 0}
.rate-body{background:#f5f7fa;color:#102033;padding:80px max(25px,calc((100vw - 1120px)/2)) 105px}
.rate-layout{display:grid;grid-template-columns:235px minmax(0,760px);gap:70px;align-items:start}
.rate-toc{position:sticky;top:24px;border-left:1px solid #cfd8e5;display:flex;flex-direction:column}
.rate-toc b,.rate-toc a{padding:8px 16px;font-size:12px}
.rate-toc b{color:#65768a;margin-bottom:8px}
.rate-toc a{color:#4e6076}
.rate-toc a:hover{color:#126ce5;border-left:2px solid #1774ff;margin-left:-1px}
.rate-copy{font-size:16px;line-height:1.78;color:#33455a}
.rate-copy>p:first-child{font-size:20px;line-height:1.65;color:#182b42}
.rate-copy h2{color:#0c1d31;font-size:clamp(30px,3.4vw,43px);line-height:1.08;letter-spacing:-2px;margin:75px 0 22px}
.rate-copy h2:first-of-type{margin-top:0}
.rate-copy h3{color:#142a43;font-size:23px;letter-spacing:-.7px;line-height:1.25;margin:40px 0 12px}
.rate-copy p{margin:0 0 20px}
.rate-copy ul,.rate-copy ol{padding-left:24px;margin:20px 0 28px}
.rate-copy li{margin:10px 0;padding-left:4px}
.rate-copy a{color:#0f67d9;text-decoration:underline;text-underline-offset:3px}
.rate-copy strong{color:#172b43}
.rate-callout{background:#eaf3ff;border-left:3px solid #1774ff;border-radius:0 12px 12px 0;padding:22px 24px;margin:30px 0}
.rate-callout b{display:block;color:#0d5fbf;margin-bottom:8px}
.rate-callout p{margin:0;color:#334f70}
.rate-formula{background:#081a30;color:#fff;border-radius:16px;padding:28px;margin:34px 0}
.rate-formula small{display:block;color:#72adfa;font-size:11px;font-weight:800;letter-spacing:.08em;margin-bottom:12px}
.rate-formula b{display:block;color:#fff;font-size:21px;line-height:1.45}
.rate-example{background:#fff;border:1px solid #d9e1eb;border-radius:16px;padding:26px 28px;margin:28px 0}
.rate-example>small{color:#6d7f94;font-size:11px;font-weight:800;letter-spacing:.08em}
.rate-example ul{margin-bottom:14px}
.rate-example strong{display:block;background:#eff5fd;border-radius:8px;padding:13px 15px;color:#105db8}
.rate-note{font-size:13px;color:#6b7c90;border-top:1px solid #d8e0e9;padding-top:20px;margin-top:35px}
.rate-sources{display:grid;gap:10px;margin-top:24px}
.rate-sources a{display:block;background:#fff;border:1px solid #d9e1eb;border-radius:10px;padding:14px 16px;text-decoration:none}
.rate-sources a:hover{border-color:#1774ff}
.rate-faq details{background:#fff;border:1px solid #d9e1eb;border-radius:10px;margin:10px 0;padding:0 18px}
.rate-faq summary{cursor:pointer;color:#182b42;font-weight:750;padding:18px 0}
.rate-faq details p{padding-bottom:18px;margin:0}
@media(max-width:850px){.rate-layout{grid-template-columns:1fr}.rate-toc{position:static;border-left:0;border-bottom:1px solid #d5dde7;padding-bottom:20px}.rate-toc b,.rate-toc a{padding-left:0}.rate-card{max-width:480px}}
@media(max-width:550px){.rate-body{padding:65px 20px 80px}.rate-copy{font-size:15px}.rate-copy>p:first-child{font-size:18px}.rate-copy h2{font-size:32px;letter-spacing:-1.4px;margin-top:58px}.rate-copy h3{font-size:21px}.rate-formula,.rate-example{padding:22px}}