.rate-factors{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:1.1rem;margin-top:1.4rem}
.rf-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.4rem 1.35rem;
box-shadow:var(--shadow-sm);transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
.rf-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:color-mix(in srgb,var(--lime) 40%,var(--line))}
.rf-card .rf-ic{width:44px;height:44px;border-radius:11px;display:grid;place-items:center;margin-bottom:.9rem;
background:color-mix(in srgb,var(--lime) 16%,transparent);color:var(--navy)}
.rf-card .rf-ic svg{width:22px;height:22px}
.rf-card h3{font-size:1.08rem;font-weight:800;margin-bottom:.4rem}
.rf-card p{color:var(--muted);font-size:var(--fs-small)}
@media (prefers-color-scheme:dark){
:root:not([data-theme="light"]) .rf-card .rf-ic{background:color-mix(in srgb,var(--lime) 22%,transparent);color:var(--lime)}
}
:root[data-theme="dark"] .rf-card .rf-ic{background:color-mix(in srgb,var(--lime) 22%,transparent);color:var(--lime)} .rate-example{background:var(--surface-2);border:1px solid var(--line);border-radius:var(--radius-lg);
padding:clamp(1.3rem,3vw,1.9rem);margin-top:1.4rem}
.rate-example .re-tag{display:inline-block;font-size:.72rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;
color:var(--muted);background:var(--card);border:1px solid var(--line);border-radius:999px;padding:.3rem .7rem}
.rate-example h3{font-size:1.2rem;font-weight:800;margin:.9rem 0 .2rem}
.rate-example .re-asof{font-size:.82rem;color:var(--muted);font-weight:600}
.re-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:1rem;margin:1.2rem 0}
.re-metric{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1rem 1.1rem}
.re-metric .t{font-size:.7rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.re-metric .n{font-size:1.7rem;font-weight:800;color:var(--ink);margin-top:.2rem;font-variant-numeric:tabular-nums}
.re-assump{font-size:.85rem;color:var(--muted);line-height:1.6;margin-top:.4rem}
.re-assump b{color:var(--ink);font-weight:700} .guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.3rem}
.guide-card{position:relative;display:flex;flex-direction:column;gap:.5rem;background:var(--card);
border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem 1.5rem;overflow:hidden;
transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
.guide-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:color-mix(in srgb,var(--navy) 25%,var(--line))}
.guide-card::before{content:"";position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--lime);opacity:0;transition:opacity .2s}
.guide-card:hover::before{opacity:1}
.guide-card .gtag{font-size:.7rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--lime-700)}
.guide-card h3{font-size:1.18rem;font-weight:800;line-height:1.2}
.guide-card p{color:var(--muted);font-size:var(--fs-small);flex:1}
.guide-card .go{margin-top:.4rem;font-weight:700;color:var(--navy);display:inline-flex;align-items:center;gap:.4rem}
.guide-card .go svg{transition:transform .18s ease}
.guide-card:hover .go svg{transform:translateX(4px)}
@media (prefers-color-scheme:dark){
:root:not([data-theme="light"]) .guide-card .gtag{color:var(--lime)}
:root:not([data-theme="light"]) .guide-card .go{color:var(--lime)}
}
:root[data-theme="dark"] .guide-card .gtag{color:var(--lime)}
:root[data-theme="dark"] .guide-card .go{color:var(--lime)} .article-note{background:color-mix(in srgb,var(--lime) 10%,transparent);
border:1px solid color-mix(in srgb,var(--lime) 40%,var(--line));border-radius:12px;
padding:.9rem 1.1rem;font-size:.85rem;color:var(--ink);margin-top:1.4rem}
.article-note b{color:var(--lime-700)}
:root[data-theme="dark"] .article-note b{color:var(--lime)}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .article-note b{color:var(--lime)}}
.prose .callout-list{list-style:none;padding-left:0;display:grid;gap:.6rem}
.prose .callout-list li{display:flex;gap:.6rem;align-items:flex-start}
.prose .callout-list li::before{content:"";flex:0 0 auto;width:.55rem;height:.55rem;border-radius:50%;
background:var(--lime);margin-top:.6rem} @media (max-width:900px){ .guide-grid{grid-template-columns:1fr 1fr} }
@media (max-width:600px){ .guide-grid{grid-template-columns:1fr} }