/* ══ RATES PAGE ══════════════════════════════════════════════ */

/* Hero stat chips */
.rate-hero-chips {
  display: flex;
  gap: .75rem;
  margin-top: 1.5rem;
  flex-wrap: wrap;
}
.rhc {
  background: rgba(255,255,255,.10);
  border: 1px solid rgba(255,255,255,.18);
  border-radius: 12px;
  padding: .85rem 1.25rem;
  min-width: 150px;
  flex: 1;
  backdrop-filter: blur(6px);
}
.rhc-boc {
  background: rgba(251,191,36,.12);
  border-color: rgba(251,191,36,.35);
}
.rhc-label { font-size: .68rem; opacity: .75; text-transform: uppercase; letter-spacing: .04em; }
.rhc-rate  { font-size: 1.85rem; font-weight: 800; line-height: 1.1; color: #fff; margin: .2rem 0 .1rem; }
.rhc-sub   { font-size: .72rem; opacity: .65; }
.rhc-boc .rhc-rate { color: #fbbf24; }

/* Context box */
.rcb {
  display: flex;
  gap: .9rem;
  align-items: flex-start;
  background: linear-gradient(135deg,#fef3c7,#fde68a);
  border: 1px solid #f59e0b;
  border-radius: 10px;
  padding: .85rem 1.1rem;
  font-size: .85rem;
  color: #78350f;
}
.rcb-icon { font-size: 1.2rem; flex-shrink: 0; line-height: 1.3; }
.rcb-next { display: inline-block; margin-left: .35rem; }

/* Filters bar */
.rates-filters {
  display: flex;
  gap: 1.2rem;
  align-items: flex-end;
  flex-wrap: wrap;
}
.rates-fg { display: flex; flex-direction: column; gap: .3rem; }
.rates-fg label { font-size: .72rem; font-weight: 600; color: #6b7280; text-transform: uppercase; letter-spacing: .04em; }
.rtype-bar { display: flex; background: #f1f5f9; border-radius: 8px; padding: 3px; gap: 2px; }
.rtype-btn {
  padding: .32rem .85rem; border: none; border-radius: 6px; cursor: pointer;
  font-size: .8rem; font-weight: 600; color: #64748b; background: transparent; transition: all .15s;
}
.rtype-btn.active { background: #fff; color: var(--navy,#1a2e4a); box-shadow: 0 1px 4px rgba(0,0,0,.12); }
.rterm-bar { display: flex; gap: .35rem; flex-wrap: wrap; }
.rterm-chip {
  padding: .3rem .7rem; border: 1.5px solid #e2e8f0; border-radius: 50px; cursor: pointer;
  font-size: .78rem; font-weight: 600; color: #64748b; background: #fff; transition: all .15s;
}
.rterm-chip.active { background: var(--sky,#0ea5e9); border-color: var(--sky,#0ea5e9); color: #fff; }
.rates-select {
  padding: .35rem .65rem; border: 1.5px solid #e2e8f0; border-radius: 8px;
  font-size: .82rem; background: #fff; color: var(--navy,#1a2e4a); cursor: pointer;
}
.rates-amt-label { font-size: .82rem; }
.rates-amt-label strong { color: var(--sky,#0ea5e9); }

/* Insight banner */
.rates-insight-box {
  background: #eff6ff; border-left: 4px solid var(--sky,#0ea5e9);
  border-radius: 0 8px 8px 0; padding: .6rem .9rem;
  font-size: .83rem; color: #1e40af; margin-bottom: .8rem;
  max-width: 900px;
}

/* ── Table container ───────────────────────────────────────── */
.rates-table-wrap {
  max-width: 900px;
}

/* Table header */
.rates-table-hdr {
  display: grid;
  grid-template-columns: 175px 185px 185px 130px 100px;
  gap: 0;
  background: #f8fafc;
  border: 1px solid #e2e8f0;
  border-radius: 10px 10px 0 0;
  padding: .5rem 1rem;
  max-width: 900px;
}
.rth { font-size: .67rem; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; color: #94a3b8; }
.rth-sub { font-size: .61rem; font-weight: 400; text-transform: none; letter-spacing: 0; color: #94a3b8; margin-top: .06rem; }

/* Rate rows */
.rrow-divider {
  display: flex; align-items: center; gap: .7rem;
  margin: 1rem 0 .25rem; color: #94a3b8; font-size: .72rem; font-weight: 600;
  max-width: 900px;
}
.rrow-divider::before, .rrow-divider::after { content:''; flex:1; height:1px; background:#e2e8f0; }

.rrow {
  display: grid;
  grid-template-columns: 175px 185px 185px 130px 100px;
  gap: 0;
  align-items: center;
  background: #fff;
  border: 1px solid #e2e8f0;
  border-top: none;
  padding: .65rem 1rem;
  transition: background .15s;
  max-width: 900px;
}
.rrow:last-child { border-radius: 0 0 10px 10px; }
.rrow:hover { background: #f8fafc; }
.rrow-best {
  background: linear-gradient(135deg,#f0fdf4,#f8faff);
  border-left: 3px solid #10b981;
}
.rrow-hi { background: linear-gradient(135deg,#faf5ff,#f0f9ff); }

/* Cells */
.rcell { padding: 0 .4rem; }
.rcell-lender { padding-left: 0; }
.rcell-cta { padding-right: 0; display: flex; justify-content: flex-end; }

/* Lender */
.rl-name { font-weight: 700; font-size: .88rem; color: var(--navy,#1a2e4a); display: flex; align-items: center; gap: .35rem; flex-wrap: wrap; }
.rl-cat  { font-size: .68rem; color: #64748b; margin-top: .15rem; font-weight: 500; }
.rl-badge {
  display: inline-block; font-size: .65rem; font-weight: 700; padding: .12rem .45rem;
  border-radius: 50px; margin-top: .2rem; letter-spacing: .02em;
}
.rbest-badge {
  font-size: .65rem; font-weight: 700; background: #10b981; color: #fff;
  padding: .12rem .45rem; border-radius: 50px; letter-spacing: .02em;
}

/* Rates */
.rrate      { font-size: 1.3rem; font-weight: 800; color: var(--navy,#1a2e4a); line-height: 1; }
.rrate-best { color: #10b981; }
.rspread    { font-size: .69rem; color: #94a3b8; margin-top: .08rem; }
.rpayment   { font-size: .78rem; color: var(--sky,#0ea5e9); font-weight: 600; margin-top: .1rem; }
.rlabel     { font-size: .65rem; color: #94a3b8; margin-top: .08rem; }

/* Meta */
.rcell-meta   { display: flex; flex-direction: column; gap: .22rem; }
.rmeta        { display: flex; align-items: center; gap: .35rem; font-size: .7rem; }
.rmeta-l      { color: #94a3b8; display: flex; align-items: center; gap: .18rem; white-space: nowrap; }
.rmeta-v      { font-weight: 700; color: var(--navy,#1a2e4a); white-space: nowrap; }

/* CTA button */
.btn-rate-cta {
  display: inline-block; padding: .4rem .8rem;
  background: var(--sky,#0ea5e9); color: #fff; border-radius: 8px;
  font-size: .78rem; font-weight: 700; text-decoration: none; white-space: nowrap;
  transition: background .15s;
}
.btn-rate-cta:hover { background: #0284c7; }

/* Disclaimer */
.rates-disclaimer {
  margin-top: 1rem; padding: .85rem 1rem;
  background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px;
  font-size: .73rem; color: #94a3b8; line-height: 1.6;
  max-width: 900px;
}
.rates-disclaimer strong { color: #64748b; }

/* ══ TOOLTIP SYSTEM ═════════════════════════════════════════ */
.rtip {
  display: inline-flex; align-items: center; justify-content: center;
  width: 14px; height: 14px; border-radius: 50%;
  background: #e2e8f0; color: #64748b;
  font-size: .6rem; font-weight: 800; cursor: pointer;
  position: relative; vertical-align: middle; margin-left: 3px;
  line-height: 1; border: 1px solid #cbd5e1;
  transition: background .15s;
  flex-shrink: 0;
}
.rtip:hover, .rtip:focus { background: var(--sky,#0ea5e9); color: #fff; outline: none; }
.rtip-box {
  display: none;
  position: absolute; bottom: calc(100% + 8px); left: 50%; transform: translateX(-50%);
  width: 230px; background: #1e293b; color: #e2e8f0;
  font-size: .75rem; font-weight: 400; line-height: 1.5;
  padding: .6rem .8rem; border-radius: 8px; z-index: 999;
  box-shadow: 0 8px 24px rgba(0,0,0,.25); pointer-events: none;
  white-space: normal; text-align: left;
}
.rtip-box::after {
  content: ''; position: absolute; top: 100%; left: 50%; transform: translateX(-50%);
  border: 6px solid transparent; border-top-color: #1e293b;
}
.rtip:hover .rtip-box, .rtip:focus .rtip-box { display: block; }

/* ══ BoC RATE CHART ══════════════════════════════════════════ */
.boc-chart-wrap {
  background: #fff; border: 1px solid #e2e8f0; border-radius: 12px;
  padding: .9rem 1rem .5rem;
  box-shadow: 0 1px 6px rgba(0,0,0,.04);
  display: flex; align-items: center; gap: 1rem;
  max-width: 775px;
}
.boc-chart-header {
  display: flex; flex-direction: column; gap: .3rem;
  flex-shrink: 0; width: 155px;
}
.boc-chart-title { font-size: .82rem; font-weight: 700; color: var(--navy,#1a2e4a); line-height: 1.3; }
.boc-chart-sub   { font-size: .68rem; color: #64748b; line-height: 1.4; }
.boc-chart-pills { display: flex; flex-direction: column; gap: .2rem; margin-top: .15rem; }
.boc-pill {
  display: inline-flex; align-items: center; gap: .28rem;
  font-size: .65rem; font-weight: 600; color: #64748b;
}
.boc-pill-dot { width: 6px; height: 6px; border-radius: 50%; flex-shrink: 0; }
#boc-chart { flex: 1; min-width: 0; overflow: hidden; }

/* ══ MORTGAGE JOURNEY ════════════════════════════════════════ */
.journey-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  margin-top: 1.5rem;
}
.journey-step {
  background: #fff; border: 1px solid #e2e8f0; border-radius: 14px;
  padding: 1.2rem 1rem 1rem; position: relative;
  transition: box-shadow .2s, transform .2s;
  display: flex; flex-direction: column; gap: .5rem;
}
.journey-step:hover { box-shadow: 0 6px 24px rgba(0,0,0,.08); transform: translateY(-2px); }
.journey-num {
  position: absolute; top: -12px; left: 1rem;
  width: 24px; height: 24px; border-radius: 50%;
  color: #fff; font-size: .72rem; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 2px 8px rgba(0,0,0,.2);
}
.journey-icon { font-size: 1.6rem; margin-top: .25rem; line-height: 1; }
.journey-title { font-size: .88rem; font-weight: 700; color: var(--navy,#1a2e4a); line-height: 1.3; }
.journey-sub   { font-size: .7rem; color: #64748b; font-weight: 500; margin-top: -.2rem; }
.journey-desc  { font-size: .77rem; color: #555; line-height: 1.55; margin-top: .1rem; }
.journey-cta {
  display: inline-block; margin-top: auto; padding: .32rem .7rem;
  border: 1.5px solid; border-radius: 6px;
  font-size: .72rem; font-weight: 700; cursor: pointer; background: transparent;
  transition: all .15s; align-self: flex-start;
}
.journey-cta:hover { opacity: .75; }

/* ══ RATES NEWS SECTION ══════════════════════════════════════ */
.rn-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  margin-top: 1.5rem;
}
.rn-card {
  background: #fff; border: 1px solid #e2e8f0; border-radius: 12px;
  overflow: hidden; transition: box-shadow .2s, transform .2s;
  display: flex; flex-direction: column;
}
.rn-card:hover { box-shadow: 0 6px 20px rgba(0,0,0,.08); transform: translateY(-2px); }
.rn-img {
  height: 130px; background-size: cover; background-position: center;
  background-color: #f1f5f9; flex-shrink: 0;
}
.rn-img-ph { display: flex; align-items: center; justify-content: center; font-size: 2rem; }
.rn-content { padding: .8rem; display: flex; flex-direction: column; gap: .4rem; flex: 1; }
.rn-meta { display: flex; align-items: center; gap: .5rem; flex-wrap: wrap; }
.rn-source {
  font-size: .65rem; font-weight: 700; padding: .15rem .45rem; border-radius: 50px;
  letter-spacing: .02em;
}
.rn-date { font-size: .68rem; color: #94a3b8; }
.rn-title { font-size: .82rem; font-weight: 600; color: var(--navy,#1a2e4a); line-height: 1.4; }
.rn-more-btn {
  display: inline-flex; align-items: center; gap: .4rem;
  margin-top: 1.2rem; padding: .55rem 1.3rem;
  background: var(--navy,#1a2e4a); color: #fff; border: none;
  border-radius: 8px; font-size: .82rem; font-weight: 700; cursor: pointer;
  transition: background .15s;
}
.rn-more-btn:hover { background: var(--sky,#0ea5e9); }

/* ══ RATE ALERT CTA ══════════════════════════════════════════ */
.rate-alert-box {
  background: linear-gradient(135deg, var(--navy,#1a2e4a), #0f172a);
  border-radius: 16px; padding: 2.5rem 2rem;
  display: flex; align-items: center; gap: 2rem; flex-wrap: wrap;
  color: #fff;
}
.rate-alert-text { flex: 1; min-width: 220px; }
.rate-alert-text h3 { font-size: 1.3rem; font-weight: 800; margin-bottom: .4rem; }
.rate-alert-text p  { font-size: .85rem; opacity: .75; line-height: 1.6; }
.rate-alert-form { display: flex; gap: .5rem; flex-wrap: wrap; flex-shrink: 0; }
.rate-alert-input {
  padding: .6rem 1rem; border: none; border-radius: 8px;
  font-size: .88rem; width: 220px; background: rgba(255,255,255,.1);
  color: #fff; border: 1px solid rgba(255,255,255,.2);
}
.rate-alert-input::placeholder { color: rgba(255,255,255,.45); }
.rate-alert-input:focus { outline: none; background: rgba(255,255,255,.15); }
.rate-alert-btn {
  padding: .6rem 1.3rem; background: var(--sky,#0ea5e9); color: #fff;
  border: none; border-radius: 8px; font-size: .88rem; font-weight: 700;
  cursor: pointer; transition: background .15s; white-space: nowrap;
}
.rate-alert-btn:hover { background: #0284c7; }
.rate-alert-features {
  display: flex; gap: 1.2rem; margin-top: .8rem; flex-wrap: wrap;
}
.rate-alert-feature {
  font-size: .75rem; opacity: .65; display: flex; align-items: center; gap: .35rem;
}

/* ── Mobile ─────────────────────────────────────────────── */
@media(max-width:1024px){
  .journey-grid { grid-template-columns: repeat(2, 1fr); }
  .rn-grid { grid-template-columns: repeat(2, 1fr); }
  .boc-chart-wrap { max-width: none; }
  .rates-table-hdr, .rrow, .rrow-divider, .rates-insight-box, .rates-disclaimer { max-width: none; }
}
@media(max-width:680px){
  .boc-chart-wrap { flex-direction: column; align-items: stretch; gap: .6rem; padding-bottom: .8rem; }
  .boc-chart-header { width: 100%; flex-direction: row; align-items: center; gap: .8rem; flex-wrap: wrap; }
  .boc-chart-pills  { flex-direction: row; gap: .5rem; }
}

@media(max-width:940px){
  .rates-table-hdr { display: none; }
  .rrow {
    grid-template-columns: 1fr 1fr;
    grid-template-areas:
      "lender lender"
      "ins    uni"
      "meta   cta";
    border-radius: 10px !important;
    border: 1px solid #e2e8f0 !important;
    margin-bottom: .5rem;
    gap: .55rem .5rem;
    padding: .85rem;
    max-width: none;
  }
  .rcell-lender  { grid-area: lender; padding: 0; }
  .rcell-rate:nth-child(2) { grid-area: ins;  padding: 0; }
  .rcell-rate:nth-child(3) { grid-area: uni;  padding: 0; }
  .rcell-meta    { grid-area: meta; padding: 0; flex-direction: row; flex-wrap: wrap; gap: .25rem .8rem; align-items: center; }
  .rcell-cta     { grid-area: cta;  padding: 0; justify-content: flex-end; align-self: end; }
  .rmeta         { font-size: .69rem; }
  .rrate         { font-size: 1.15rem; }
  .rrow-divider  { max-width: none; }
  .rates-insight-box { max-width: none; }
  .rates-disclaimer  { max-width: none; }
  /* Filters: 2-col grid */
  .rates-filters {
    display: grid;
    grid-template-columns: auto auto;
    gap: .75rem 1.2rem;
    align-items: end;
  }
  .rates-filters .rates-fg:nth-child(3) { grid-column: 1 / -1; }
  .rates-filters .rates-fg:nth-child(4) { justify-self: start; }
  .rate-hero-chips .rhc { min-width: 120px; }
  .rhc-rate { font-size: 1.6rem; }
  .rate-alert-box { padding: 1.5rem; }
}

@media(max-width:680px){
  .journey-grid { grid-template-columns: 1fr; }
  .rn-grid { grid-template-columns: 1fr; }
  /* Filters: full-column stacking on phones */
  .rates-filters { grid-template-columns: 1fr; }
  .rates-filters .rates-fg:nth-child(3),
  .rates-filters .rates-fg:nth-child(4) { grid-column: 1; justify-self: stretch; }
  input[type=range] { width: 100% !important; }
  /* Table items full width on phone */
  .rates-table-hdr, .rrow, .rrow-divider,
  .rates-insight-box, .rates-disclaimer { max-width: none; }
}

@media(max-width:560px){
  .rate-hero-chips { gap: .5rem; }
  .rhc { padding: .7rem .9rem; flex: 1 1 100%; min-width: 0; }
  .rhc-rate { font-size: 1.85rem; }
  .rate-alert-input { width: 100%; }
  .rate-alert-form { width: 100%; flex-direction: column; }
  .rate-alert-btn { width: 100%; }
}