.rates-hero{background:linear-gradient(135deg,#1e3a8a 0,#3b82f6 100%);color:#fff;padding:40px 20px 50px;text-align:center;position:relative}@media (max-width:768px){.rates-hero h1{font-size:32px}.rates-hero{padding:30px 20px 40px}}.disclaimer{background:#fff;padding:25px;margin:40px 0;border-radius:8px;font-size:14px;color:#374151;line-height:1.6}.carousel-nav{display:flex;justify-content:center;align-items:center;gap:16px;margin-top:24px}.carousel-btn{background:linear-gradient(135deg,#3b82f6 0,#1e3a8a 100%);color:#fff;border:none;width:48px;height:48px;border-radius:50%;font-size:20px;cursor:pointer;transition:transform .2s,opacity .2s;box-shadow:0 4px 12px rgba(59,130,246,.3)}.carousel-btn:hover{transform:scale(1.1)}.carousel-btn:active{transform:scale(.95)}.carousel-btn:disabled{opacity:.3;cursor:not-allowed}.carousel-track{flex:1;max-width:168px;height:6px;background:#e2e8f0;border-radius:3px;position:relative;cursor:pointer;touch-action:none}.carousel-thumb{position:absolute;top:-3px;left:0;width:30%;height:12px;background:linear-gradient(135deg,#3b82f6 0,#1e3a8a 100%);border-radius:6px;transition:left .15s ease-out;cursor:grab}.carousel-thumb:active{cursor:grabbing;transition:none}.rates-hero h1{font-size:48px;margin:0 0 16px}@media (max-width:768px){.rating-card{min-width:280px}.carousel-btn{display:none}.carousel-track{max-width:100%}.rates-hero h1{font-size:32px}.rates-hero{padding:40px 20px 80px}}.rates-hero .effective-date{background:rgba(255,255,255,.2);padding:8px 16px;border-radius:8px;display:inline-block;margin-top:16px}.calculator-card{max-width:800px;margin:-40px auto 40px;background:#fff;border-radius:16px;box-shadow:0 20px 60px rgba(0,0,0,.15);padding:32px}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:24px}@media (max-width:768px){.calc-grid{grid-template-columns:1fr}}.calc-result{background:linear-gradient(135deg,#10b981 0,#059669 100%);color:#fff;padding:24px;border-radius:12px;text-align:center;margin-top:24px}.calc-result .amount{font-size:48px;font-weight:800;margin:8px 0}.calc-result .label{opacity:1;font-size:14px}.carousel-container{position:relative;max-width:1200px;margin:40px auto;overflow:hidden}.carousel-wrapper{overflow-x:auto;scroll-behavior:smooth;-webkit-overflow-scrolling:touch;scrollbar-width:none;-ms-overflow-style:none}.carousel-wrapper::-webkit-scrollbar{display:none}.rating-grid{display:flex;gap:24px;padding:20px 0}.rating-card{background:#fff;border-radius:16px;padding:24px;box-shadow:0 4px 12px rgba(0,0,0,.08);border-top:4px solid #3b82f6;transition:transform .2s,box-shadow .2s}.rating-card:hover{transform:translateY(-4px);box-shadow:0 8px 24px rgba(0,0,0,.12)}.rating-card .rating-badge{background:linear-gradient(135deg,#3b82f6 0,#1e3a8a 100%);color:#fff;padding:12px 24px;border-radius:50px;font-size:24px;font-weight:800;display:inline-block;margin-bottom:16px}.rating-card .amount{font-size:36px;font-weight:800;color:#10b981;margin:8px 0}.rating-card .label{color:#374151;font-size:14px;margin-bottom:16px}.rate-row{display:flex;justify-content:space-between;padding:12px 0;border-bottom:1px solid #e5e7eb}.rate-row:last-child{border-bottom:none}.rate-row .dep-label{color:#374151;font-weight:600}.rate-row .dep-amount{color:#10b981;font-weight:700}.quick-facts{background:linear-gradient(90deg,#fff7ed 0,#fff 25%);border-left:5px solid #f59e0b;padding:20px;border-radius:0 8px 8px 0;margin:24px 0;box-shadow:0 1px 4px rgba(0,0,0,.06),0 4px 12px rgba(0,0,0,.04)}.quick-facts h3{margin-top:0;color:#4b5563}.quick-facts ul{margin:0;padding-left:20px}.quick-facts li{margin:8px 0;color:#1f2937}input,select{width:100%;padding:12px;border:2px solid #e5e7eb;border-radius:8px;font-size:16px;transition:border-color .2s}input:focus,select:focus{outline:0;border-color:#3b82f6;box-shadow:0 0 0 3px rgba(59,130,246,.15)}label{display:block;font-weight:600;margin-bottom:8px;color:#374151}.section-header{text-align:center;margin:60px 0 40px}.section-header h2{font-size:36px;margin-bottom:12px}.section-header p{color:#374151;font-size:18px}.note-box{background:#eff6ff;border-left:4px solid #3b82f6;padding:16px;border-radius:8px;margin:24px 0}.note-box strong{color:#1e3a8a}.disclaimer-box{background:linear-gradient(90deg,#fff7ed 0,#fff 25%);border-left:5px solid #f59e0b;padding:20px;margin:30px 0;border-radius:0 4px 4px 0;box-shadow:0 1px 4px rgba(0,0,0,.06),0 4px 12px rgba(0,0,0,.04)}.disclaimer-box p{margin:0;color:#4b5563;font-size:15px;line-height:1.6}