/* Reverse mortgage rates guide additions. Shared guide styles live in reverse-mortgage-101.css. */

.rates-guide .rm101-hero-inner {
	max-width: 920px;
}

.rates-guide-article {
	min-width: 0;
}

.rates-guide .page-byline {
	margin: 0 0 44px;
	padding: 18px 20px;
	background: var(--rm-bg);
	border: 1px solid var(--rm-border);
	border-radius: var(--rm-radius);
}

.rates-guide .page-byline .loan-reviews-flex {
	display: flex;
	align-items: center;
	gap: 16px;
}

.rates-guide .page-byline .loan-reviews-image {
	display: flex;
	flex: 0 0 auto;
}

.rates-guide .page-byline .loan-reviews-image img {
	width: 46px;
	height: 46px;
	margin: 0;
	border: 2.5px solid #fff;
	border-radius: 50%;
	background: #fff;
	box-shadow: 0 1px 4px rgba(15, 23, 42, 0.15);
	object-fit: cover;
}

.rates-guide .page-byline .loan-reviews-image img + img {
	margin-left: -14px;
}

.rates-guide .page-byline .loan-reviews-content h5 {
	margin: 0 0 3px;
	font-family: var(--rm-heading-font);
	font-size: 14.5px;
	font-weight: 600;
	line-height: 1.5;
	color: var(--rm-ink);
}

.rates-guide .page-byline .loan-reviews-content h5 a {
	color: var(--rm-blue);
	text-decoration: none;
}

.rates-guide .page-byline .page-byline-meta {
	display: flex;
	align-items: center;
	flex-wrap: wrap;
	gap: 8px;
	font-size: 13px;
	color: var(--rm-slate);
}

.rates-guide-section {
	padding-top: 12px;
	margin-bottom: 56px;
	scroll-margin-top: 130px;
}

.rates-guide-kicker {
	display: inline-flex;
	align-items: center;
	gap: 10px;
	font-family: var(--rm-heading-font);
	font-size: 12px;
	font-weight: 800;
	letter-spacing: 0.14em;
	text-transform: uppercase;
	color: var(--rm-blue);
}

.rates-guide-kicker::after {
	content: "";
	width: 44px;
	height: 2px;
	border-radius: 2px;
	background: var(--rm-blue-bright);
}

.rates-guide-section > h2,
.rates-guide-factors > h2 {
	margin: 12px 0 18px;
	font-family: var(--rm-heading-font);
	font-size: clamp(27px, 3vw, 34px);
	font-weight: 700;
	line-height: 1.22;
	color: var(--rm-ink);
}

.rates-guide-intro > h2:first-child {
	margin: 12px 0 18px;
	font-size: clamp(27px, 3vw, 34px);
}

.rates-guide-lead {
	margin: -4px 0 22px;
	font-size: 17px;
	line-height: 1.7;
	color: var(--rm-body);
}

/* Quick answers and fixed vs. adjustable explainer (WIN-3521). */
.rates-answer-list {
	display: grid;
	grid-template-columns: repeat(2, minmax(0, 1fr));
	gap: 14px;
	margin: 0 0 22px;
}

.rates-answer {
	padding: 18px 20px;
	background: var(--rm-bg);
	border: 1px solid var(--rm-border);
	border-radius: var(--rm-radius);
}

.rates-answer dt {
	margin: 0 0 6px;
	font-family: var(--rm-heading-font);
	font-size: 16px;
	font-weight: 700;
	line-height: 1.4;
	color: var(--rm-ink);
}

.rates-answer dd {
	margin: 0;
	font-size: 15px;
	line-height: 1.65;
	color: var(--rm-body);
}

.rates-answer-actions {
	display: flex;
	flex-wrap: wrap;
	align-items: center;
	gap: 14px 22px;
}

.rates-answer-actions .rm101-btn-solid {
	width: auto;
}

.rates-answer-link {
	font-weight: 600;
	color: var(--rm-blue);
}

.rates-guide .rates-compare-table caption {
	padding: 12px 18px;
	font-family: var(--rm-heading-font);
	font-weight: 700;
	text-align: left;
	color: var(--rm-ink);
	background: var(--rm-blue-soft);
}

.rates-guide .rates-compare-table tbody th {
	background: #fff;
	color: var(--rm-ink);
	border-top: 1px solid var(--rm-border);
	white-space: normal;
	vertical-align: top;
}

.rates-guide .rates-compare-table td {
	min-width: 0;
}

.rates-guide-explainer h3 {
	scroll-margin-top: 130px;
}

.rates-guide-editorial {
	margin-bottom: 52px;
}

/* A CMS section heading followed directly by its first subheading: no double gap (WIN-3521). */
.rates-guide .rm101-prose h2 + h2 {
	margin-top: 0.4em;
}

.rates-guide-editorial h2 {
	font-size: clamp(27px, 3vw, 34px);
	line-height: 1.22;
	margin-top: 2.1em;
	padding-top: 1.4em;
	border-top: 1px solid var(--rm-border);
}

.rates-guide-editorial h2:first-child {
	margin-top: 0;
}

.rates-guide-rate-table {
	overflow: hidden;
	margin-top: 24px;
	border: 1px solid var(--rm-border);
	border-radius: var(--rm-radius);
	background: #fff;
	box-shadow: 0 12px 32px rgba(15, 23, 42, 0.06);
}

.rates-guide-rate-head,
.rates-guide-rate-row {
	display: grid;
	grid-template-columns: minmax(180px, 0.75fr) minmax(0, 1.35fr);
}

.rates-guide-rate-head {
	background: var(--rm-blue);
	color: #fff;
}

.rates-guide-rate-head > * {
	padding: 18px 22px;
	font-family: var(--rm-heading-font);
	font-size: 15px;
	font-weight: 700;
}

.rates-guide-rate-row + .rates-guide-rate-row {
	border-top: 1px solid var(--rm-border);
}

.rates-guide-rate-name,
.rates-guide-rate-detail {
	padding: 19px 22px;
	line-height: 1.55;
}

.rates-guide-rate-name {
	font-family: var(--rm-heading-font);
	font-size: 16px;
	font-weight: 700;
	color: var(--rm-navy);
}

.rates-guide-rate-detail {
	background: var(--rm-bg);
	font-size: 15px;
	color: var(--rm-body);
}

.rates-guide-rate-name > *:last-child,
.rates-guide-rate-detail > *:last-child {
	margin-bottom: 0;
}

.rates-guide-rate-detail a {
	color: var(--rm-blue);
	font-weight: 700;
}

.rates-guide-factors {
	margin: 8px 0 56px;
	border-top: 7px solid var(--rm-blue);
}

.rates-guide-factors .rm101-check-body > *:first-child {
	margin-top: 0;
}

.rates-guide-factors .rm101-check-body > *:last-child {
	margin-bottom: 0;
}

.rates-guide-calculator {
	padding-top: 52px;
	border-top: 1px solid var(--rm-border);
}

.rates-guide-calculator .reverse-calculator-wrapper {
	margin-top: 24px;
}

.rates-guide-calculator .reverse-calculator-wrapper .srm-compare-card {
	margin-top: 0 !important;
	margin-bottom: 0 !important;
}

.rates-guide .rm101-table-wrap {
	max-width: 100%;
	-webkit-overflow-scrolling: touch;
}

.rates-guide .rm101-table td p {
	margin: 0 0 0.5em;
}

.rates-guide .rm101-table td p:last-child {
	margin-bottom: 0;
}

.rates-guide-closing {
	margin-top: 54px;
}

.rates-guide .rm101-next {
	margin-top: 10px;
}

@media (max-width: 1023px) {
	.rates-guide .rm101-layout {
		max-width: 808px;
	}
}

@media (max-width: 640px) {
	.rates-answer-list {
		grid-template-columns: 1fr;
	}

	/* Stacked rate tables: one labelled card per row, no sideways scrolling. */
	.rates-guide .rm101-table-wrap:has(.rates-stack-table) {
		overflow-x: visible;
	}

	.rates-guide .rates-stack-table thead {
		position: absolute;
		width: 1px;
		height: 1px;
		overflow: hidden;
		clip: rect(0 0 0 0);
		white-space: nowrap;
	}

	.rates-guide .rates-stack-table,
	.rates-guide .rates-stack-table tbody,
	.rates-guide .rates-stack-table tr,
	.rates-guide .rates-stack-table tbody th,
	.rates-guide .rates-stack-table td {
		display: block;
		width: auto !important;
		min-width: 0;
	}

	.rates-guide .rates-stack-table tr + tr {
		border-top: 1px solid var(--rm-border);
	}

	.rates-guide .rates-stack-table tbody th {
		padding: 14px 16px 4px;
		border-top: 0;
	}

	.rates-guide .rates-stack-table td {
		display: flex;
		justify-content: space-between;
		gap: 14px;
		padding: 6px 16px;
		border-top: 0;
		background: transparent !important;
		text-align: right;
	}

	.rates-guide .rates-stack-table td:first-child {
		padding-top: 14px;
	}

	.rates-guide .rates-stack-table td:last-child {
		padding-bottom: 14px;
	}

	.rates-guide .rates-stack-table td[data-label]::before {
		content: attr(data-label);
		flex: 0 0 auto;
		max-width: 50%;
		font-weight: 600;
		text-align: left;
		color: var(--rm-ink);
	}

	.rates-guide .rates-stack-table td:not([data-label]) {
		justify-content: flex-end;
	}

	.rates-guide .rates-compare-table caption {
		display: block;
	}

	/* Sentence-length comparison cells read better with the label above the text. */
	.rates-guide .rates-compare-table td {
		display: block;
		text-align: left;
	}

	.rates-guide .rates-compare-table td[data-label]::before {
		display: block;
		max-width: none;
		margin-bottom: 2px;
		font-size: 13px;
		color: var(--rm-slate);
	}

	.rates-guide .page-byline .loan-reviews-flex {
		align-items: flex-start;
	}

	.rates-guide .page-byline .page-byline-meta {
		row-gap: 4px;
	}

	.rates-guide-section,
	.rates-guide-editorial {
		margin-bottom: 44px;
	}

	/* One column on phones: the term above its explanation, no sideways scrolling (WIN-3521). */
	.rates-guide-rate-head {
		display: none;
	}

	.rates-guide-rate-row {
		grid-template-columns: 1fr;
	}

	.rates-guide-rate-head > *,
	.rates-guide-rate-name,
	.rates-guide-rate-detail {
		padding: 16px 18px;
	}

	.rates-guide-calculator {
		padding-top: 42px;
	}
}

@media print {
	.rates-guide-calculator {
		display: none;
	}
}

@media (prefers-reduced-motion: reduce) {
	.rates-guide .rm101-progress-fill,
	.rates-guide .rm101-toc-meter span,
	.rates-guide .rm101-sidebar,
	.rates-guide .rm101-next-card {
		transition: none;
	}
}

/* Today's adjustable-rate HECM table, [hecm_rate_table] (WIN-3553). */
.hecm-rate-table {
	margin: 1.5em 0 2em;
}

.hecm-rate-table__asof {
	margin: 0 0 14px;
	color: var(--rm-slate);
}

.hecm-rate-table__asof strong {
	color: var(--rm-ink);
}

.hecm-rate-table__indexes {
	display: grid;
	grid-template-columns: repeat(3, minmax(0, 1fr));
	gap: 12px;
	margin: 0 0 16px;
	padding: 0;
	list-style: none;
}

.hecm-rate-table__indexes li {
	display: flex;
	flex-direction: column;
	gap: 2px;
	margin: 0;
	padding: 12px 14px;
	border: 1px solid var(--rm-border);
	border-radius: 10px;
	background: #fff;
	font-size: 14px;
	color: var(--rm-slate);
}

.rates-guide .hecm-rate-table__indexes li {
	padding-left: 14px;
}

.rates-guide .hecm-rate-table__indexes li::before,
.rates-guide .hecm-rate-table__indexes li::marker {
	content: none;
	display: none;
}

.hecm-rate-table__indexes strong {
	font-family: var(--rm-heading-font);
	font-size: 22px;
	line-height: 1.2;
	color: var(--rm-navy);
}

.hecm-rate-table .hecm-rate-table__wrap {
	margin: 0 0 14px;
}

.hecm-rate-table__table caption {
	position: absolute;
	width: 1px;
	height: 1px;
	overflow: hidden;
	clip: rect(0 0 0 0);
	white-space: nowrap;
}

.rates-guide .hecm-rate-table__table th small {
	display: block;
	font-size: 12px;
	font-weight: 600;
	opacity: 0.85;
}

.rates-guide .hecm-rate-table__table tbody th {
	background: #fff;
	color: var(--rm-ink);
	font-weight: 600;
	border-top: 1px solid var(--rm-border);
	vertical-align: middle;
}

.rates-guide .hecm-rate-table__table tbody tr:nth-child(even) th {
	background: var(--rm-bg);
}

.rates-guide .hecm-rate-table__table th,
.rates-guide .hecm-rate-table__table td {
	min-width: 0;
	padding: 12px 14px;
	white-space: normal;
	vertical-align: middle;
}

.hecm-rate-table__mlabel,
.hecm-rate-table__sr {
	position: absolute;
	width: 1px;
	height: 1px;
	overflow: hidden;
	clip: rect(0 0 0 0);
	white-space: nowrap;
}

.hecm-rate-table__apr strong {
	display: block;
	font-size: 18px;
	color: var(--rm-navy);
}

.hecm-rate-table__apr small {
	display: block;
	font-size: 12.5px;
	color: var(--rm-slate);
}

.hecm-rate-table__table a {
	font-weight: 700;
}

.hecm-rate-table__fixed {
	margin: 0 0 14px;
	padding: 12px 14px;
	border: 1px dashed var(--rm-border);
	border-radius: 10px;
}

.hecm-rate-table__disclosure {
	margin: 0;
	font-size: 13px;
	line-height: 1.6;
	color: var(--rm-slate);
}

.hecm-rate-table--unavailable p {
	margin: 0;
	padding: 14px 16px;
	border: 1px solid var(--rm-border);
	border-radius: 10px;
	background: var(--rm-blue-soft);
}

@media (max-width: 640px) {
	.hecm-rate-table__indexes {
		grid-template-columns: 1fr;
		gap: 8px;
	}

	.hecm-rate-table__indexes li {
		display: grid;
		grid-template-columns: 1fr auto;
		column-gap: 12px;
	}

	.hecm-rate-table__indexes strong {
		grid-row: span 2;
		align-self: center;
		font-size: 19px;
	}

	.rates-guide .hecm-rate-table__table tbody th {
		font-size: 16px;
	}

	.hecm-rate-table__mlabel {
		position: static;
		width: auto;
		height: auto;
		clip: auto;
	}

	.hecm-rate-table__apr {
		text-align: right;
	}
}