.rate-calculator-page {
    background: #f6f7f5;
    color: #171d28;
}

.rate-tool {
    padding: 118px 0 58px;
}

.rate-tool__container {
    width: min(100% - 32px, 960px);
}

.rate-tool__intro {
    max-width: 620px;
    margin-bottom: 30px;
}

.rate-tool__eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 14px;
    color: #c84a0d;
    font-size: .78rem;
    font-weight: 800;
    text-transform: uppercase;
}

.rate-tool h1 {
    margin: 0;
    font-size: clamp(2rem, 4vw, 3.6rem);
    line-height: 1.04;
}

.rate-tool__intro p {
    margin: 16px 0 0;
    color: #667180;
    font-size: 1rem;
    line-height: 1.65;
}

.rate-tool__calculator {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(270px, .78fr);
    overflow: hidden;
    border: 1px solid #e1e5e8;
    border-radius: 8px;
    background: #fff;
    box-shadow: 0 16px 38px rgba(25, 35, 45, .08);
}

.rate-tool__controls,
.rate-tool__result {
    padding: 28px;
}

.rate-tool__controls {
    border-right: 1px solid #e8ecef;
}

.rate-tool__field {
    display: grid;
    gap: 9px;
    color: #202735;
    font-size: .84rem;
    font-weight: 800;
}

.rate-tool__input-wrap {
    display: flex;
    align-items: center;
    min-height: 62px;
    padding: 0 16px;
    border: 1px solid #cfd5da;
    border-radius: 7px;
    background: #fff;
    transition: border-color .2s ease, box-shadow .2s ease;
}

.rate-tool__input-wrap:focus-within {
    border-color: #ed5d16;
    box-shadow: 0 0 0 4px rgba(237, 93, 22, .1);
}

.rate-tool__input-wrap input {
    width: 100%;
    min-width: 0;
    border: 0;
    outline: 0;
    color: #171d28;
    font: 800 1.45rem/1 Montserrat, sans-serif;
}

.rate-tool__input-wrap span {
    color: #697381;
    font-size: .84rem;
    font-weight: 700;
}

.rate-tool__hint {
    margin: 8px 0 22px;
    color: #7a8390;
    font-size: .73rem;
    line-height: 1.45;
}

.rate-tool__terms {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 8px;
}

.rate-tool__term {
    position: relative;
    display: grid;
    min-height: 76px;
    place-items: center;
    gap: 3px;
    padding: 9px 5px;
    border: 1px solid #dfe3e7;
    border-radius: 7px;
    background: #fff;
    color: #67717e;
    cursor: pointer;
    font-family: inherit;
}

.rate-tool__term strong { color: #202735; font-size: .95rem; }
.rate-tool__term span { font-size: .7rem; font-weight: 700; }

.rate-tool__term b {
    position: absolute;
    top: -9px;
    padding: 3px 7px;
    border-radius: 4px;
    background: #ed5d16;
    color: #fff;
    font-size: .56rem;
    line-height: 1;
}

.rate-tool__term:hover,
.rate-tool__term.is-selected {
    border-color: #ed5d16;
    background: #fff7f1;
    box-shadow: 0 0 0 3px rgba(237, 93, 22, .1);
}

.rate-tool__term.is-selected strong,
.rate-tool__term.is-selected span { color: #c84a0d; }

.rate-tool__result {
    display: flex;
    flex-direction: column;
    justify-content: center;
    background: #202735;
    color: #fff;
}

.rate-tool__result-label {
    color: rgba(255, 255, 255, .72);
    font-size: .78rem;
    font-weight: 700;
}

.rate-tool__result strong {
    margin: 9px 0;
    color: #fff;
    font-size: clamp(2rem, 4vw, 2.7rem);
    line-height: 1;
}

.rate-tool__result-detail {
    color: rgba(255, 255, 255, .78);
    font-size: .78rem;
    line-height: 1.5;
}

.rate-tool__summary {
    display: grid;
    gap: 8px;
    margin-top: 22px;
    padding-top: 18px;
    border-top: 1px solid rgba(255, 255, 255, .16);
    color: rgba(255, 255, 255, .82);
    font-size: .75rem;
}

.rate-tool__summary i { width: 16px; color: #f2a679; }
.rate-tool__summary b { color: #fff; }

.rate-tool__next-step {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 22px;
    margin-top: 16px;
    padding: 20px 22px;
    border: 1px solid #e1e5e8;
    border-radius: 8px;
    background: #fff;
}

.rate-tool__next-step strong { display: block; font-size: .95rem; }
.rate-tool__next-step p { margin: 6px 0 0; color: #697381; font-size: .78rem; line-height: 1.5; }
.rate-tool__cta { flex: 0 0 auto; white-space: nowrap; }

.rate-tool__disclaimer {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    margin: 16px 0 0;
    color: #6f7985;
    font-size: .72rem;
    line-height: 1.5;
}

.rate-tool__disclaimer i { margin-top: 2px; color: #c84a0d; }

.rate-info { padding: 52px 0 64px; border-top: 1px solid #e3e7e8; background: #fff; }
.rate-info__grid { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1fr); gap: 60px; align-items: start; }
.rate-info h2 { margin: 10px 0 0; font-size: clamp(1.55rem, 3vw, 2.35rem); line-height: 1.15; }
.rate-info__content p { margin: 0; color: #667180; font-size: .93rem; line-height: 1.75; }
.rate-info__link { display: inline-flex; align-items: center; gap: 8px; margin-top: 16px; color: #c84a0d; font-size: .82rem; font-weight: 800; text-decoration: none; }
.rate-info__link:hover { color: #9f3909; }

.rate-section {
    width: min(100% - 32px, 1120px);
}

.rate-section__header {
    max-width: 760px;
    margin-bottom: 32px;
}

.rate-section__header--center {
    margin-inline: auto;
    text-align: center;
}

.rate-section__header h2,
.rate-faq__intro h2 {
    margin: 10px 0 14px;
    color: #171d28;
    font-size: clamp(1.65rem, 3vw, 2.55rem);
    line-height: 1.14;
}

.rate-section__header p,
.rate-faq__intro > p {
    margin: 0;
    color: #667180;
    font-size: .92rem;
    line-height: 1.7;
}

.rate-partners {
    padding: 72px 0;
    background: #f6f7f5;
}

.rate-partners__grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 14px;
}

.rate-partner-card {
    display: flex;
    align-items: center;
    gap: 14px;
    min-height: 104px;
    padding: 20px;
    border: 1px solid rgba(214, 220, 223, .9);
    border-radius: 16px;
    background: rgba(255, 255, 255, .8);
    box-shadow: 0 14px 34px rgba(26, 34, 43, .055);
}

.rate-partner-card__logo {
    position: relative;
    display: block;
    width: 104px;
    height: 64px;
    flex: 0 0 104px;
    overflow: hidden;
    border: 1px solid rgba(255, 255, 255, .9);
    border-radius: 15px;
    background: #fff;
    box-shadow: inset 0 1px 0 #fff, 0 8px 20px rgba(31, 42, 53, .08);
}

.rate-partner-card__logo img {
    display: block;
    width: 100%;
    height: 100%;
    object-fit: contain;
}

.rate-partner-card__logo--microinvest img,
.rate-partner-card__logo--iute img,
.rate-partner-card__logo--credit7 img {
    object-fit: cover;
}

.rate-partner-card h3 { margin: 0; font-size: .94rem; }
.rate-partner-card p { margin: 5px 0 0; color: #78818c; font-size: .7rem; }

.rate-partners__note {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    margin-top: 18px;
    padding: 18px 20px;
    border: 1px solid rgba(237, 93, 22, .2);
    border-radius: 14px;
    background: #fff8f3;
}

.rate-partners__note i { margin-top: 3px; color: #d9500e; }
.rate-partners__note p { margin: 0; color: #59636f; font-size: .8rem; line-height: 1.65; }
.rate-partners__note strong { color: #232b37; }

.rate-process {
    padding: 76px 0;
    background: #fff;
}

.rate-process__grid {
    display: grid;
    grid-template-columns: repeat(5, minmax(0, 1fr));
    gap: 12px;
    margin: 0;
    padding: 0;
    list-style: none;
}

.rate-process__grid li {
    min-height: 210px;
    padding: 22px 18px;
    border: 1px solid #e3e7e9;
    border-radius: 16px;
    background: linear-gradient(155deg, #fff 0%, #fafbfa 100%);
}

.rate-process__grid span {
    display: inline-flex;
    margin-bottom: 28px;
    color: #d9500e;
    font-size: .72rem;
    font-weight: 900;
    letter-spacing: .08em;
}

.rate-process__grid h3 { margin: 0 0 9px; font-size: .9rem; line-height: 1.35; }
.rate-process__grid p { margin: 0; color: #707a86; font-size: .74rem; line-height: 1.6; }

.rate-faq {
    padding: 76px 0 84px;
    border-top: 1px solid #e3e7e8;
    background: #f6f7f5;
}

.rate-faq__layout {
    display: grid;
    grid-template-columns: minmax(260px, .72fr) minmax(0, 1.28fr);
    gap: 70px;
    align-items: start;
}

.rate-faq__intro {
    position: sticky;
    top: 110px;
}

.rate-faq__intro .btn { margin-top: 24px; }
.rate-faq__list { display: grid; gap: 10px; }

.rate-faq__list details {
    overflow: hidden;
    border: 1px solid #dfe4e6;
    border-radius: 13px;
    background: rgba(255, 255, 255, .9);
}

.rate-faq__list summary {
    position: relative;
    padding: 19px 50px 19px 20px;
    color: #202735;
    cursor: pointer;
    font-size: .84rem;
    font-weight: 800;
    list-style: none;
}

.rate-faq__list summary::-webkit-details-marker { display: none; }
.rate-faq__list summary::after { content: '+'; position: absolute; top: 50%; right: 20px; color: #d9500e; font-size: 1.25rem; transform: translateY(-50%); }
.rate-faq__list details[open] summary::after { content: '−'; }
.rate-faq__list details[open] summary { border-bottom: 1px solid #edf0f1; }
.rate-faq__list details p { margin: 0; padding: 17px 20px 20px; color: #66717d; font-size: .79rem; line-height: 1.7; }

.rate-footer { padding: 22px 0; background: #171d28; color: rgba(255, 255, 255, .78); font-size: .75rem; }
.rate-footer .container { display: flex; justify-content: space-between; gap: 16px; }
.rate-footer a { color: rgba(255, 255, 255, .78); text-decoration: none; }

/* MoldAcoperis liquid-glass treatment */
.rate-calculator-page {
    --rate-glass-line: rgba(255, 255, 255, .78);
    --rate-glass-surface: rgba(255, 255, 255, .56);
    --rate-glass-surface-strong: rgba(255, 255, 255, .76);
    --rate-glass-shadow: 0 28px 70px rgba(31, 42, 53, .12), 0 4px 14px rgba(31, 42, 53, .05);
    background: #edf2f4;
}

.rate-calculator-page main {
    background:
        radial-gradient(circle at 8% 14%, rgba(255, 183, 132, .24), transparent 25rem),
        radial-gradient(circle at 92% 34%, rgba(181, 215, 224, .3), transparent 30rem),
        radial-gradient(circle at 28% 82%, rgba(255, 210, 177, .2), transparent 28rem),
        linear-gradient(180deg, #f8fafb 0%, #eaf0f2 44%, #f8fafb 100%);
}

.rate-tool {
    position: relative;
    isolation: isolate;
}

.rate-tool::before,
.rate-tool::after {
    position: absolute;
    z-index: -1;
    border-radius: 999px;
    content: '';
    filter: blur(4px);
    pointer-events: none;
}

.rate-tool::before {
    top: 150px;
    left: max(-150px, calc(50% - 720px));
    width: 320px;
    height: 320px;
    background: rgba(255, 152, 91, .17);
}

.rate-tool::after {
    right: max(-180px, calc(50% - 760px));
    bottom: 20px;
    width: 380px;
    height: 380px;
    background: rgba(160, 204, 216, .2);
}

.rate-tool__eyebrow {
    min-height: 34px;
    padding: 7px 13px;
    border: 1px solid var(--rate-glass-line);
    border-radius: 999px;
    background: rgba(255, 255, 255, .5);
    box-shadow: inset 0 1px 0 #fff, 0 8px 24px rgba(31, 42, 53, .08);
    -webkit-backdrop-filter: blur(18px) saturate(145%);
    backdrop-filter: blur(18px) saturate(145%);
}

.rate-tool__calculator {
    border-color: var(--rate-glass-line);
    border-radius: 30px;
    background: linear-gradient(145deg, rgba(255, 255, 255, .78), rgba(255, 255, 255, .38));
    box-shadow: inset 0 1px 0 #fff, var(--rate-glass-shadow);
    -webkit-backdrop-filter: blur(30px) saturate(150%);
    backdrop-filter: blur(30px) saturate(150%);
}

.rate-tool__controls {
    border-right-color: rgba(31, 42, 53, .09);
    background: rgba(255, 255, 255, .18);
}

.rate-tool__input-wrap {
    min-height: 66px;
    border-color: rgba(255, 255, 255, .88);
    border-radius: 20px;
    background: rgba(255, 255, 255, .62);
    box-shadow: inset 0 1px 0 #fff, 0 10px 28px rgba(31, 42, 53, .07);
    -webkit-backdrop-filter: blur(18px) saturate(145%);
    backdrop-filter: blur(18px) saturate(145%);
}

.rate-tool__input-wrap input { background: transparent; }

.rate-tool__term {
    border-color: rgba(255, 255, 255, .82);
    border-radius: 18px;
    background: rgba(255, 255, 255, .47);
    box-shadow: inset 0 1px 0 #fff, 0 8px 22px rgba(31, 42, 53, .06);
    -webkit-backdrop-filter: blur(16px) saturate(145%);
    backdrop-filter: blur(16px) saturate(145%);
    transition: transform .22s ease, border-color .22s ease, box-shadow .22s ease, background .22s ease;
}

.rate-tool__term:hover,
.rate-tool__term.is-selected {
    border-color: rgba(255, 152, 91, .82);
    background: linear-gradient(145deg, rgba(255, 249, 244, .88), rgba(255, 225, 207, .56));
    box-shadow: inset 0 1px 0 #fff, 0 14px 30px rgba(216, 81, 15, .13);
    transform: translateY(-2px);
}

.rate-tool__term b {
    border-radius: 999px;
    box-shadow: 0 7px 16px rgba(216, 81, 15, .2);
}

.rate-tool__result {
    position: relative;
    overflow: hidden;
    background:
        radial-gradient(circle at 100% 0%, rgba(255, 130, 65, .26), transparent 48%),
        linear-gradient(145deg, rgba(28, 36, 47, .96), rgba(41, 51, 63, .88));
    box-shadow: inset 1px 0 0 rgba(255, 255, 255, .12);
}

.rate-tool__result::after {
    position: absolute;
    right: -70px;
    bottom: -100px;
    width: 230px;
    height: 230px;
    border: 1px solid rgba(255, 255, 255, .12);
    border-radius: 999px;
    background: rgba(255, 255, 255, .04);
    content: '';
}

.rate-tool__result > * { position: relative; z-index: 1; }

.rate-tool__next-step,
.rate-partners__note {
    border-color: var(--rate-glass-line);
    border-radius: 24px;
    background: linear-gradient(145deg, rgba(255, 255, 255, .72), rgba(255, 255, 255, .4));
    box-shadow: inset 0 1px 0 #fff, 0 14px 38px rgba(31, 42, 53, .08);
    -webkit-backdrop-filter: blur(24px) saturate(145%);
    backdrop-filter: blur(24px) saturate(145%);
}

.rate-tool__disclaimer {
    width: fit-content;
    padding: 10px 14px;
    border: 1px solid rgba(255, 255, 255, .72);
    border-radius: 16px;
    background: rgba(255, 255, 255, .38);
    -webkit-backdrop-filter: blur(16px);
    backdrop-filter: blur(16px);
}

.rate-info {
    border-top-color: rgba(255, 255, 255, .72);
    background: rgba(255, 255, 255, .18);
    -webkit-backdrop-filter: blur(18px);
    backdrop-filter: blur(18px);
}

.rate-info__grid {
    padding: 30px;
    border: 1px solid var(--rate-glass-line);
    border-radius: 28px;
    background: linear-gradient(145deg, rgba(255, 255, 255, .65), rgba(255, 255, 255, .32));
    box-shadow: inset 0 1px 0 #fff, 0 18px 46px rgba(31, 42, 53, .08);
    -webkit-backdrop-filter: blur(24px) saturate(145%);
    backdrop-filter: blur(24px) saturate(145%);
}

.rate-partners,
.rate-process,
.rate-faq {
    background: transparent;
}

.rate-partner-card,
.rate-process__grid li,
.rate-faq__list details {
    border-color: var(--rate-glass-line);
    background: linear-gradient(145deg, rgba(255, 255, 255, .72), rgba(255, 255, 255, .36));
    box-shadow: inset 0 1px 0 #fff, inset 0 -1px 0 rgba(255, 255, 255, .24), 0 16px 40px rgba(31, 42, 53, .08);
    -webkit-backdrop-filter: blur(24px) saturate(145%);
    backdrop-filter: blur(24px) saturate(145%);
}

.rate-partner-card,
.rate-process__grid li {
    border-radius: 26px;
    transition: transform .3s cubic-bezier(.2, .8, .2, 1), border-color .3s ease, box-shadow .3s ease, background .3s ease;
}

.rate-partner-card:hover,
.rate-process__grid li:hover {
    border-color: rgba(255, 255, 255, .98);
    background: linear-gradient(145deg, rgba(255, 255, 255, .88), rgba(255, 255, 255, .5));
    box-shadow: inset 0 1px 0 #fff, 0 26px 58px rgba(31, 42, 53, .13);
    transform: translateY(-5px);
}

.rate-partner-card > .rate-partner-card__logo {
    border-color: rgba(255, 255, 255, .92);
    background: rgba(255, 255, 255, .88);
    box-shadow: inset 0 1px 0 #fff, 0 10px 24px rgba(31, 42, 53, .1);
}

.rate-partners__note {
    background: linear-gradient(145deg, rgba(255, 248, 242, .75), rgba(255, 255, 255, .38));
}

.rate-process__grid li { position: relative; overflow: hidden; }

.rate-process__grid li::after {
    position: absolute;
    right: -42px;
    bottom: -58px;
    width: 120px;
    height: 120px;
    border-radius: 999px;
    background: rgba(239, 91, 22, .07);
    content: '';
}

.rate-process__grid li > * { position: relative; z-index: 1; }

.rate-faq {
    border-top-color: rgba(255, 255, 255, .72);
}

.rate-faq__list details { border-radius: 22px; }
.rate-faq__list details[open] { background: linear-gradient(145deg, rgba(255, 255, 255, .86), rgba(255, 247, 241, .52)); }
.rate-faq__list details[open] summary { border-bottom-color: rgba(31, 42, 53, .07); }

@media (prefers-reduced-motion: reduce) {
    .rate-tool__term,
    .rate-partner-card,
    .rate-process__grid li { transition: none; }
}

@media (max-width: 980px) {
    .rate-partners__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .rate-process__grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
    .rate-faq__layout { gap: 40px; }
}

@media (max-width: 760px) {
    .rate-tool { padding: 96px 0 44px; }
    .rate-tool__calculator { grid-template-columns: 1fr; }
    .rate-tool__controls { border-right: 0; border-bottom: 1px solid #e8ecef; }
    .rate-tool__controls, .rate-tool__result { padding: 22px 18px; }
    .rate-tool__result { min-height: 220px; }
    .rate-tool__next-step { align-items: flex-start; flex-direction: column; padding: 18px; }
    .rate-tool__cta { width: 100%; justify-content: center; }
    .rate-info { padding: 42px 0 50px; }
    .rate-info__grid { grid-template-columns: 1fr; gap: 20px; }
    .rate-partners, .rate-process, .rate-faq { padding: 52px 0; }
    .rate-partners__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .rate-process__grid { grid-template-columns: 1fr; }
    .rate-process__grid li { min-height: 0; }
    .rate-process__grid span { margin-bottom: 16px; }
    .rate-faq__layout { grid-template-columns: 1fr; gap: 30px; }
    .rate-faq__intro { position: static; }
}

@media (max-width: 460px) {
    .rate-tool__container { width: min(100% - 24px, 960px); }
    .rate-tool__terms { gap: 6px; }
    .rate-tool__term { min-height: 70px; }
    .rate-tool__term strong { font-size: .82rem; }
    .rate-tool__term b { padding: 3px 5px; font-size: .5rem; }
    .rate-footer .container { align-items: flex-start; flex-direction: column; }
    .rate-section { width: min(100% - 24px, 1120px); }
    .rate-partners__grid { grid-template-columns: 1fr; }
    .rate-partner-card { min-height: 88px; }
    .rate-partner-card__logo { width: 112px; height: 68px; flex-basis: 112px; }
    .rate-partners__note { padding: 16px; }
}