/* Lowest Rate Loans — core stylesheet
   System-font, no external requests, mobile-first, accessible. */

:root{
  --navy:#0B3B5C;
  --navy-dark:#082A42;
  --teal:#0F6E5E;
  --gold:#C89B2C;
  --gold-light:#E7B740;
  --ink:#1B2430;
  --ink-soft:#4A5568;
  --bg:#FFFFFF;
  --bg-alt:#F4F7F9;
  --border:#E2E8F0;
  --success:#1E7E45;
  --danger:#B3261E;
  --radius:10px;
  --radius-sm:6px;
  --shadow:0 2px 10px rgba(11,59,92,0.08);
  --shadow-lg:0 10px 30px rgba(11,59,92,0.14);
  --max-w:1180px;
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif,"Apple Color Emoji","Segoe UI Emoji";
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;scroll-padding-top:90px;}
body{
  margin:0;
  font-family:var(--font);
  color:var(--ink);
  background:var(--bg);
  line-height:1.6;
  font-size:17px;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block;}
a{color:var(--teal);text-decoration:none;}
a:hover{text-decoration:underline;}
h1,h2,h3,h4{line-height:1.25;color:var(--navy);font-weight:700;margin:1.4em 0 .5em;}
h1{font-size:clamp(1.9rem,4vw,2.6rem);margin-top:0;}
h2{font-size:clamp(1.4rem,3vw,1.9rem);}
h3{font-size:1.25rem;}
p{margin:0 0 1.1em;}
ul,ol{margin:0 0 1.1em;padding-left:1.4em;}
li{margin-bottom:.4em;}
.container{max-width:var(--max-w);margin:0 auto;padding:0 20px;}
.visually-hidden{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;}
.skip-link{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:200;border-radius:0 0 6px 0;}
.skip-link:focus{left:0;}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:100;background:#fff;border-bottom:1px solid var(--border);}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:12px 20px;max-width:var(--max-w);margin:0 auto;}
.logo-link{display:flex;align-items:center;gap:10px;flex-shrink:0;}
.logo-link img{height:38px;width:auto;}
.logo-link .logo-text{font-weight:800;font-size:1.05rem;color:var(--navy);letter-spacing:-.2px;}
.logo-link .logo-text span{color:var(--teal);}

.main-nav{display:none;}
.main-nav ul{display:flex;gap:22px;list-style:none;margin:0;padding:0;}
.main-nav a{color:var(--ink);font-weight:600;font-size:.96rem;}
.main-nav a:hover{color:var(--teal);text-decoration:none;}
.main-nav .has-dropdown{position:relative;}
.main-nav .dropdown{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--border);border-radius:var(--radius-sm);box-shadow:var(--shadow-lg);min-width:230px;padding:12px 8px 8px;}
.main-nav .has-dropdown:hover .dropdown,.main-nav .has-dropdown:focus-within .dropdown{display:block;}
.main-nav .dropdown a{display:block;padding:8px 10px;border-radius:6px;font-weight:500;}
.main-nav .dropdown a:hover{background:var(--bg-alt);text-decoration:none;}

.nav-toggle{display:inline-flex;align-items:center;justify-content:center;background:none;border:1px solid var(--border);border-radius:8px;width:42px;height:42px;cursor:pointer;}
.nav-toggle span,.nav-toggle::before,.nav-toggle::after{content:"";display:block;width:20px;height:2px;background:var(--navy);}
.nav-toggle{flex-direction:column;gap:5px;}
.mobile-nav{display:none;background:#fff;border-top:1px solid var(--border);}
.mobile-nav.open{display:block;}
.mobile-nav ul{list-style:none;margin:0;padding:10px 20px 18px;}
.mobile-nav a{display:block;padding:10px 0;font-weight:600;border-bottom:1px solid var(--border);color:var(--ink);}
.mobile-nav .sub-list{padding-left:14px;}
.mobile-nav .sub-list a{font-weight:500;border-bottom:none;padding:7px 0;color:var(--ink-soft);}

@media(min-width:900px){
  .main-nav{display:block;}
  .nav-toggle{display:none;}
  .mobile-nav{display:none !important;}
}

/* ---------- Hero ---------- */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-dark) 60%,var(--teal) 130%);color:#fff;padding:56px 0 64px;}
.hero .container{display:grid;gap:28px;}
.hero h1{color:#fff;margin-bottom:.4em;}
.hero p.lead{font-size:1.15rem;color:#DCE7EE;max-width:640px;margin-bottom:1.4em;}
.search-form{display:flex;max-width:520px;background:#fff;border-radius:50px;padding:5px;box-shadow:var(--shadow-lg);}
.search-form input[type="search"]{flex:1;border:none;background:transparent;padding:12px 16px;font-size:1rem;font-family:var(--font);outline:none;}
.search-form button{background:var(--gold);color:var(--navy-dark);border:none;border-radius:50px;padding:0 22px;font-weight:700;cursor:pointer;font-size:.95rem;}
.search-form button:hover{background:var(--gold-light);}
.hero-tags{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px;}
.hero-tags a{background:rgba(255,255,255,.12);color:#fff;padding:6px 14px;border-radius:50px;font-size:.85rem;font-weight:600;}
.hero-tags a:hover{background:rgba(255,255,255,.22);text-decoration:none;}

/* ---------- Cards / Grids ---------- */
.section{padding:52px 0;}
.section-alt{background:var(--bg-alt);}
.section-head{display:flex;justify-content:space-between;align-items:flex-end;gap:16px;margin-bottom:26px;flex-wrap:wrap;}
.section-head p{color:var(--ink-soft);margin:0;}
.view-all{font-weight:700;white-space:nowrap;}
.grid{display:grid;gap:22px;grid-template-columns:1fr;}
@media(min-width:640px){.grid-2{grid-template-columns:repeat(2,1fr);}}
@media(min-width:900px){.grid-3{grid-template-columns:repeat(3,1fr);} .grid-4{grid-template-columns:repeat(4,1fr);}}

.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:box-shadow .15s,transform .15s;}
.card:hover{box-shadow:var(--shadow-lg);transform:translateY(-2px);}
.card-body{padding:18px 20px 20px;display:flex;flex-direction:column;flex:1;}
.card .eyebrow{font-size:.72rem;letter-spacing:.06em;text-transform:uppercase;font-weight:800;color:var(--teal);margin-bottom:6px;}
.card h3{margin:0 0 8px;font-size:1.08rem;}
.card h3 a{color:var(--navy);}
.card h3 a:hover{text-decoration:none;color:var(--teal);}
.card p{color:var(--ink-soft);font-size:.95rem;margin-bottom:12px;flex:1;}
.card .card-meta{font-size:.8rem;color:#8492A6;}
.card-media{aspect-ratio:16/9;background:linear-gradient(135deg,var(--navy),var(--teal));display:flex;align-items:center;justify-content:center;color:#fff;font-weight:800;font-size:1.3rem;text-align:center;padding:14px;}

.hub-card{display:flex;flex-direction:column;gap:10px;padding:26px 22px;border-radius:var(--radius);color:#fff;min-height:180px;justify-content:flex-end;}
.hub-card h3{color:#fff;margin:0;font-size:1.3rem;}
.hub-card p{color:rgba(255,255,255,.85);margin:0;font-size:.92rem;}
.hub-card.mortgages{background:linear-gradient(135deg,#0B3B5C,#123f66);}
.hub-card.loans{background:linear-gradient(135deg,#0F6E5E,#0c5c4e);}
.hub-card.credit{background:linear-gradient(135deg,#6D4C1F,#8a6427);}
.hub-card.everyday{background:linear-gradient(135deg,#3C3A70,#4c4990);}

.pledge{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:28px;display:flex;gap:20px;align-items:flex-start;}
.pledge .icon{flex-shrink:0;width:46px;height:46px;border-radius:50%;background:var(--bg-alt);display:flex;align-items:center;justify-content:center;font-size:1.4rem;}

/* ---------- Breadcrumb ---------- */
.breadcrumb{font-size:.85rem;color:var(--ink-soft);padding:14px 0;}
.breadcrumb a{color:var(--ink-soft);}
.breadcrumb .sep{margin:0 6px;color:#B7C2CC;}

/* ---------- Article ---------- */
.article-header{background:var(--bg-alt);padding:36px 0 30px;border-bottom:1px solid var(--border);}
.article-header .eyebrow{color:var(--teal);font-weight:800;text-transform:uppercase;letter-spacing:.06em;font-size:.78rem;}
.article-header h1{margin:.3em 0 .4em;}
.article-meta{color:var(--ink-soft);font-size:.9rem;}
.article-layout{display:grid;gap:36px;padding:36px 0 60px;grid-template-columns:1fr;}
@media(min-width:960px){.article-layout{grid-template-columns:minmax(0,1fr) 300px;}}
.article-body h2{margin-top:1.6em;}
.article-body h2:first-child{margin-top:0;}
.article-body blockquote{margin:1.4em 0;padding:16px 20px;border-left:4px solid var(--gold);background:var(--bg-alt);border-radius:0 8px 8px 0;color:var(--ink-soft);}
.article-body table{width:100%;border-collapse:collapse;margin:1.4em 0;font-size:.94rem;}
.article-body th,.article-body td{text-align:left;padding:10px 12px;border:1px solid var(--border);}
.article-body th{background:var(--bg-alt);color:var(--navy);}
.callout{background:#EFF6F4;border:1px solid #CFE6DF;border-radius:var(--radius);padding:18px 20px;margin:1.6em 0;}
.callout.warning{background:#FDF3E7;border-color:#F0D6A8;}
.callout strong{color:var(--navy);}
.disclaimer-box{background:var(--bg-alt);border:1px dashed var(--border);border-radius:var(--radius);padding:16px 18px;font-size:.88rem;color:var(--ink-soft);margin:2em 0;}

.sidebar{display:flex;flex-direction:column;gap:22px;}
.sidebar .widget{background:var(--bg-alt);border-radius:var(--radius);padding:20px;}
.sidebar .widget h4{margin-top:0;font-size:1rem;}
.sidebar .widget ul{list-style:none;padding:0;margin:0;}
.sidebar .widget li{border-bottom:1px solid var(--border);padding:9px 0;font-size:.92rem;}
.sidebar .widget li:last-child{border-bottom:none;}
.related-links a{font-weight:600;}

/* ---------- Buttons ---------- */
.btn{display:inline-block;padding:12px 24px;border-radius:8px;font-weight:700;font-size:.95rem;cursor:pointer;border:none;text-align:center;}
.btn-primary{background:var(--gold);color:var(--navy-dark);}
.btn-primary:hover{background:var(--gold-light);text-decoration:none;}
.btn-outline{background:transparent;border:2px solid #fff;color:#fff;}
.btn-outline:hover{background:rgba(255,255,255,.12);text-decoration:none;}
.btn-navy{background:var(--navy);color:#fff;}
.btn-navy:hover{background:var(--navy-dark);text-decoration:none;color:#fff;}

/* ---------- Forms ---------- */
label{display:block;font-weight:700;margin-bottom:6px;font-size:.92rem;color:var(--navy);}
input[type="text"],input[type="email"],input[type="tel"],input[type="number"],input[type="search"],select,textarea{
  width:100%;padding:11px 13px;border:1px solid var(--border);border-radius:8px;font-family:var(--font);font-size:.98rem;background:#fff;color:var(--ink);
}
input:focus,select:focus,textarea:focus{outline:2px solid var(--teal);outline-offset:1px;}
.form-row{margin-bottom:16px;}
.form-grid{display:grid;gap:16px;grid-template-columns:1fr;}
@media(min-width:640px){.form-grid.two-col{grid-template-columns:1fr 1fr;}}
.hp-field{position:absolute;left:-9999px;top:-9999px;opacity:0;height:0;width:0;overflow:hidden;}
.form-note{font-size:.82rem;color:var(--ink-soft);margin-top:8px;}
.form-status{margin-top:14px;padding:12px 14px;border-radius:8px;font-size:.92rem;display:none;}
.form-status.show{display:block;}
.form-status.ok{background:#E7F5EC;color:var(--success);}
.form-status.err{background:#FCEAEA;color:var(--danger);}

/* ---------- Calculators ---------- */
.calc-box{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow);margin-bottom:2em;}
.calc-box h2{margin-top:0;}
.calc-results{background:var(--bg-alt);border-radius:var(--radius-sm);padding:18px 20px;margin-top:18px;}
.calc-results .result-row{display:flex;justify-content:space-between;padding:8px 0;border-bottom:1px solid var(--border);font-size:.96rem;}
.calc-results .result-row:last-child{border-bottom:none;}
.calc-results .result-row .val{font-weight:800;color:var(--navy);}
.calc-results .result-row.headline .val{color:var(--teal);font-size:1.25rem;}
.range-note{font-size:.8rem;color:var(--ink-soft);}
.calc-bar-track{background:var(--border);border-radius:6px;height:10px;overflow:hidden;margin-top:6px;}
.calc-bar-fill{background:var(--teal);height:100%;}

/* ---------- Glossary ---------- */
.az-nav{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:26px;}
.az-nav a{background:var(--bg-alt);border:1px solid var(--border);border-radius:6px;padding:6px 11px;font-weight:700;font-size:.85rem;color:var(--navy);}
.az-nav a:hover{background:var(--navy);color:#fff;text-decoration:none;}
.glossary-group h2{border-bottom:2px solid var(--gold);padding-bottom:6px;}
dl.glossary-list dt{font-weight:800;color:var(--navy);margin-top:1.1em;}
dl.glossary-list dd{margin:.2em 0 0;color:var(--ink-soft);}

/* ---------- Bank Rate widget ---------- */
.rate-widget{background:#fff;border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px 24px;display:flex;flex-wrap:wrap;align-items:center;gap:18px 28px;}
.rate-widget-figure{display:flex;flex-direction:column;min-width:180px;}
.rate-widget-label{font-size:.78rem;text-transform:uppercase;letter-spacing:.05em;font-weight:800;color:var(--teal);}
.rate-widget-value{font-size:2.1rem;font-weight:800;color:var(--navy);line-height:1.15;}
.rate-widget-meta{display:flex;flex-direction:column;gap:4px;font-size:.85rem;color:var(--ink-soft);flex:1;min-width:200px;}
.rate-widget-meta a{font-weight:700;}
.rate-widget-link{font-weight:700;white-space:nowrap;}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-dark);color:#C7D4DD;padding:48px 0 24px;margin-top:40px;}
.footer-grid{display:grid;gap:28px;grid-template-columns:1fr;margin-bottom:32px;}
@media(min-width:720px){.footer-grid{grid-template-columns:1.4fr repeat(3,1fr);}}
.site-footer h4{color:#fff;font-size:.92rem;text-transform:uppercase;letter-spacing:.06em;margin:0 0 14px;}
.site-footer ul{list-style:none;padding:0;margin:0;}
.site-footer li{margin-bottom:9px;}
.site-footer a{color:#AEC2CF;font-size:.92rem;}
.site-footer a:hover{color:#fff;}
.footer-brand p{color:#9FB4C2;font-size:.9rem;max-width:320px;}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:20px;display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;font-size:.82rem;color:#8CA0AF;}
.footer-bottom a{color:#8CA0AF;}

/* ---------- Utilities ---------- */
.text-center{text-align:center;}
.mt-0{margin-top:0;}
.small{font-size:.85rem;color:var(--ink-soft);}