.page-rate-guide{--rg-ink:#0b1f36;--rg-navy:#0f2f55;--rg-line:rgba(15,47,85,0.12);--rg-soft:#f4f7fb;--rg-critical:#b42318;--rg-critical-bg:#fff5f4}.page-rate-guide .rg-hero{position:relative;color:#fff;overflow:hidden;min-height:clamp(420px,62vh,560px);display:flex;align-items:flex-end}.page-rate-guide .rg-hero-bg{position:absolute;inset:0;z-index:0}.page-rate-guide .rg-hero-bg img{width:100%;height:100%;object-fit:cover;object-position:center}.page-rate-guide .rg-hero-shade{position:absolute;inset:0;z-index:1;background:linear-gradient(145deg,rgba(6,18,31,0.78) 0%,rgba(12,47,82,0.55) 48%,rgba(15,47,85,0.42) 100%)}.page-rate-guide .rg-hero-inner{position:relative;z-index:2;padding-top:calc(var(--header-h, 80px) + 48px);padding-bottom:56px;max-width:720px}.page-rate-guide .rg-crumb{margin:0 0 14px;font-size:0.88rem;color:rgba(255,255,255,0.72)}.page-rate-guide .rg-crumb a{color:rgba(255,255,255,0.88)}.page-rate-guide .rg-crumb a:hover{color:#fff}.page-rate-guide .rg-kicker{margin:0 0 12px;font-size:0.82rem;letter-spacing:0.14em;text-transform:uppercase;color:rgba(37,211,102,0.95);font-weight:700}.page-rate-guide .rg-hero h1{margin:0 0 16px;font-size:clamp(2rem,4.4vw,3.2rem);line-height:1.15;font-weight:800;letter-spacing:-0.02em;color:#fff}.page-rate-guide .rg-hero-lead{margin:0 0 22px;font-size:1.05rem;line-height:1.7;color:rgba(255,255,255,0.9);max-width:36em}.page-rate-guide .rg-hero-points{list-style:none;margin:0 0 28px;padding:0;display:grid;gap:10px}.page-rate-guide .rg-hero-points li{position:relative;padding-left:22px;color:rgba(255,255,255,0.88);font-size:0.96rem;line-height:1.45}.page-rate-guide .rg-hero-points li::before{content:"";position:absolute;left:0;top:0.55em;width:8px;height:8px;border-radius:50%;background:var(--accent, #25d366)}.page-rate-guide .rg-hero-actions{display:flex;flex-wrap:wrap;gap:12px}.page-rate-guide .rg-hero .btn-outline{color:#fff;border-color:rgba(255,255,255,0.55)}.page-rate-guide .rg-hero .btn-outline:hover{background:rgba(255,255,255,0.1);border-color:#fff}.page-rate-guide .rg-sticky{position:sticky;top:var(--header-h, 80px);z-index:40;background:rgba(255,255,255,0.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--rg-line);box-shadow:0 8px 24px rgba(11,31,54,0.04)}.page-rate-guide .rg-sticky-inner{display:flex;align-items:center;gap:6px 10px;padding:10px 0;overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:thin}.page-rate-guide .rg-sticky-label{flex:0 0 auto;font-size:0.78rem;font-weight:800;color:var(--text-muted);letter-spacing:0.06em;text-transform:uppercase;margin-right:4px}.page-rate-guide .rg-sticky a{flex:0 0 auto;display:inline-flex;align-items:center;padding:6px 12px;border-radius:6px;font-size:0.86rem;font-weight:700;color:var(--rg-navy);background:var(--rg-soft);border:1px solid transparent;text-decoration:none;transition:background 0.2s ease,border-color 0.2s ease,color 0.2s ease}.page-rate-guide .rg-sticky a:hover{border-color:rgba(27,79,138,0.25);background:#fff}.page-rate-guide .rg-sticky-cta{background:var(--accent, #25d366) !important;color:#fff !important;margin-left:auto}.page-rate-guide .rg-head{text-align:center;max-width:640px;margin:0 auto 36px}.page-rate-guide .rg-head .section-label{display:inline-block;margin-bottom:10px}.page-rate-guide .rg-head .section-title,.page-rate-guide .rg-head h2{margin:0 0 12px;font-size:clamp(1.55rem,2.6vw,2rem);font-weight:800;color:var(--rg-ink);line-height:1.25;text-align:center}.page-rate-guide .rg-head .section-desc,.page-rate-guide .rg-head > p{margin:0;color:var(--text-muted);line-height:1.7}.page-rate-guide .rg-channels{background:#fff;padding-top:64px;padding-bottom:56px}.page-rate-guide .rg-channel-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin-bottom:28px}.page-rate-guide .rg-channel-card{display:flex;flex-direction:column;gap:8px;padding:20px 18px;background:var(--rg-soft);border:1px solid var(--rg-line);border-radius:10px;text-decoration:none;color:inherit;transition:transform 0.2s ease,box-shadow 0.2s ease,border-color 0.2s ease;min-height:100%}.page-rate-guide .rg-channel-card:hover{transform:translateY(-3px);border-color:rgba(27,79,138,0.28);box-shadow:0 14px 32px rgba(11,31,54,0.1)}.page-rate-guide .rg-channel-card--wide{grid-column:span 2}.page-rate-guide .rg-channel-code{font-size:0.78rem;font-weight:800;letter-spacing:0.08em;color:var(--primary)}.page-rate-guide .rg-channel-card strong{font-size:1.02rem;color:var(--rg-ink);line-height:1.35}.page-rate-guide .rg-channel-tag{align-self:flex-start;font-size:0.75rem;font-weight:700;padding:3px 8px;border-radius:4px;background:rgba(27,79,138,0.08);color:var(--primary)}.page-rate-guide .rg-channel-tag.is-tax{background:rgba(37,211,102,0.14);color:#128a45}.page-rate-guide .rg-channel-card em{margin-top:auto;font-style:normal;font-size:0.84rem;color:var(--text-muted);line-height:1.4}.page-rate-guide .rg-toc{margin:0 0 18px;border:1px solid var(--rg-line);border-radius:10px;background:#fff;overflow:hidden}.page-rate-guide .rg-toc summary{cursor:pointer;padding:14px 18px;font-weight:700;color:var(--rg-navy);list-style:none}.page-rate-guide .rg-toc summary::-webkit-details-marker{display:none}.page-rate-guide .rg-toc[open] summary{border-bottom:1px solid var(--rg-line);background:var(--rg-soft)}.page-rate-guide .rg-toc .rg-table-wrap{margin:0;border:0;border-radius:0}.page-rate-guide .rg-note{margin:0;font-size:0.92rem;line-height:1.65;color:var(--text-muted)}.page-rate-guide .rg-principles-sec{padding-top:64px;padding-bottom:64px}.page-rate-guide .rg-principles{list-style:none;margin:0;padding:0;display:grid;gap:14px;max-width:900px;margin-inline:auto}.page-rate-guide .rg-principles > li{display:grid;grid-template-columns:52px minmax(0,1fr);gap:16px;padding:20px 22px;background:#fff;border:1px solid var(--rg-line);border-radius:10px}.page-rate-guide .rg-principles > li.is-critical{border-color:rgba(180,35,24,0.35);background:var(--rg-critical-bg)}.page-rate-guide .rg-p-num{font-size:1.1rem;font-weight:800;color:var(--primary);letter-spacing:0.04em;padding-top:2px}.page-rate-guide .rg-principles > li.is-critical .rg-p-num{color:var(--rg-critical)}.page-rate-guide .rg-principles h3{margin:0 0 8px;font-size:1.05rem;color:var(--rg-ink)}.page-rate-guide .rg-principles p{margin:0;font-size:0.95rem;line-height:1.65;color:var(--text-muted)}.page-rate-guide .rg-principles > li.is-critical p,.page-rate-guide .rg-principles > li.is-critical h3{color:#7a1c14}.page-rate-guide .rg-sheets{background:#fff;padding-top:64px;padding-bottom:40px}.page-rate-guide .rg-block{margin-bottom:40px;padding:28px 24px 24px;background:var(--rg-soft);border:1px solid var(--rg-line);border-radius:12px;scroll-margin-top:calc(var(--header-h, 80px) + 56px)}.page-rate-guide .rg-block-head{margin-bottom:18px;text-align:center}.page-rate-guide .rg-block-head .section-label{display:inline-block;margin-bottom:8px}.page-rate-guide .rg-block-head h2{margin:0 0 12px;font-size:clamp(1.25rem,2vw,1.55rem);font-weight:800;color:var(--rg-ink);line-height:1.3;text-align:center}.page-rate-guide .rg-meta{display:flex;flex-wrap:wrap;gap:8px;justify-content:center}.page-rate-guide .rg-meta span{font-size:0.78rem;font-weight:700;padding:4px 10px;border-radius:999px;background:#fff;border:1px solid var(--rg-line);color:var(--text-muted)}.page-rate-guide .rg-meta span.is-tax{color:#128a45;border-color:rgba(37,211,102,0.35);background:rgba(37,211,102,0.1)}.page-rate-guide .rg-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;background:#fff;border:1px solid var(--rg-line);border-radius:8px}.page-rate-guide .rg-table{width:100%;border-collapse:separate;border-spacing:0;min-width:720px;font-size:0.88rem}.page-rate-guide .rg-table th,.page-rate-guide .rg-table td{padding:11px 12px;border-bottom:1px solid var(--rg-line);border-right:1px solid rgba(15,47,85,0.06);text-align:left;white-space:nowrap;vertical-align:middle}.page-rate-guide .rg-table th:last-child,.page-rate-guide .rg-table td:last-child{border-right:0}.page-rate-guide .rg-table thead th{position:sticky;top:0;z-index:1;background:var(--rg-navy);color:#fff;font-weight:700;font-size:0.8rem;letter-spacing:0.02em}.page-rate-guide .rg-table tbody tr:nth-child(even) td{background:rgba(244,247,251,0.7)}.page-rate-guide .rg-table tbody tr:hover td{background:rgba(37,211,102,0.08)}.page-rate-guide .rg-table td{font-variant-numeric:tabular-nums;color:var(--rg-ink)}.page-rate-guide .rg-table td:first-child{font-weight:600}.page-rate-guide .rg-table-foot{padding:10px 14px;font-size:0.84rem;font-weight:700;color:var(--primary);background:#fff;border-top:1px solid var(--rg-line)}.page-rate-guide .rg-scope{margin-top:16px;padding:16px 18px;background:#fff;border:1px dashed rgba(27,79,138,0.25);border-radius:8px}.page-rate-guide .rg-scope h3{margin:0 0 8px;font-size:0.95rem;color:var(--rg-ink)}.page-rate-guide .rg-scope p{margin:0;font-size:0.9rem;line-height:1.6;color:var(--text-muted);white-space:normal}.page-rate-guide .rg-scope-note{margin:10px 0 0;font-size:0.84rem;color:var(--text-muted);line-height:1.55}@media (max-width:1100px){.page-rate-guide .rg-channel-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.page-rate-guide .rg-channel-card--wide{grid-column:span 2}}@media (max-width:768px){.page-rate-guide .rg-hero-inner{padding-bottom:40px}.page-rate-guide .rg-channel-grid{grid-template-columns:1fr}.page-rate-guide .rg-channel-card--wide{grid-column:auto}.page-rate-guide .rg-principles > li{grid-template-columns:40px minmax(0,1fr);padding:16px}.page-rate-guide .rg-block{padding:20px 14px 16px}.page-rate-guide .rg-sticky-cta{margin-left:0}}@media (prefers-reduced-motion:reduce){.page-rate-guide .rg-channel-card{transition:none}.page-rate-guide .rg-channel-card:hover{transform:none}}