:root {
  --navy: #10263f;
  --navy-soft: #3c546f;
  --accent: #0b6bcb;
  --accent-dark: #095aa9;
  --line: #d9e2ec;
  --panel: #f4f7fb;
  --white: #ffffff;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--navy);
  background: var(--white);
  line-height: 1.55;
  font-size: 16px;
}

a { color: var(--accent); }
a:hover { color: var(--accent-dark); }

.wrap { max-width: 1020px; margin: 0 auto; padding: 0 16px; }

/* Header */
header.site {
  border-bottom: 1px solid var(--line);
  background: var(--white);
}
header.site .wrap {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px 20px;
  padding-top: 12px;
  padding-bottom: 12px;
}
.brand {
  font-size: 22px;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--navy);
  text-decoration: none;
}
.brand span { color: var(--accent); }
nav.main { margin-left: auto; }
nav.main a {
  color: var(--navy-soft);
  text-decoration: none;
  font-size: 15px;
  margin-left: 16px;
  white-space: nowrap;
}
nav.main a:hover { color: var(--accent); }

/* Hero */
.hero { padding: 44px 0 28px; text-align: left; }
.hero h1 {
  font-size: 38px;
  line-height: 1.15;
  margin: 0 0 10px;
  letter-spacing: -0.02em;
}
.hero .subhead {
  font-size: 20px;
  color: var(--navy-soft);
  margin: 0 0 14px;
  font-weight: 600;
}
.hero p.lede { max-width: 640px; color: var(--navy-soft); margin: 0 0 8px; }
.updated-stamp { font-size: 13px; color: var(--navy-soft); margin: 10px 0 0; }

/* Category cards */
.cards {
  display: grid;
  grid-template-columns: 1fr;
  gap: 14px;
  padding: 12px 0 8px;
}
@media (min-width: 640px) { .cards { grid-template-columns: 1fr 1fr; } }
.card {
  display: block;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 18px;
  text-decoration: none;
  color: var(--navy);
  background: var(--white);
}
.card:hover { border-color: var(--accent); }
.card h2 { margin: 0 0 6px; font-size: 20px; }
.card p { margin: 0 0 8px; color: var(--navy-soft); font-size: 15px; }
.card .from { font-weight: 700; color: var(--accent); font-size: 15px; }

/* How-we-rank strip */
.strip {
  background: var(--panel);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  margin: 28px 0;
  padding: 22px 0;
}
.strip h2 { margin: 0 0 12px; font-size: 20px; }
.strip .cols { display: grid; grid-template-columns: 1fr; gap: 14px; }
@media (min-width: 720px) { .strip .cols { grid-template-columns: 1fr 1fr 1fr; } }
.strip .col h3 { margin: 0 0 4px; font-size: 16px; }
.strip .col p { margin: 0; color: var(--navy-soft); font-size: 15px; }

/* Signup */
.signup {
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 20px;
  margin: 8px 0 36px;
}
.signup h2 { margin: 0 0 6px; font-size: 20px; }
.signup p { margin: 0 0 12px; color: var(--navy-soft); }
.signup form { display: flex; flex-wrap: wrap; gap: 8px; }
.signup input[type="email"] {
  flex: 1 1 240px;
  padding: 10px 12px;
  border: 1px solid var(--line);
  border-radius: 6px;
  font-size: 16px;
  background: var(--panel);
}
.signup button {
  padding: 10px 18px;
  border: 0;
  border-radius: 6px;
  background: var(--navy-soft);
  color: var(--white);
  font-size: 16px;
  font-weight: 600;
  cursor: not-allowed;
  opacity: 0.75;
}
.signup .note { font-size: 13px; margin: 10px 0 0; }

/* Category pages */
.page-head { padding: 30px 0 6px; }
.page-head h1 { font-size: 30px; margin: 0 0 6px; letter-spacing: -0.01em; }
.page-head p { color: var(--navy-soft); margin: 0; max-width: 680px; }

.disclosure {
  background: var(--panel);
  border-left: 4px solid var(--accent);
  border-radius: 0 8px 8px 0;
  padding: 14px 16px;
  margin: 18px 0;
  font-size: 14.5px;
}
.disclosure strong { display: block; margin-bottom: 4px; }
.disclosure p { margin: 0; }

.table-wrap { overflow-x: auto; margin: 0 0 10px; }
table.rates {
  width: 100%;
  border-collapse: collapse;
  font-size: 15px;
  min-width: 640px;
}
table.rates th, table.rates td {
  text-align: left;
  padding: 10px 12px;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}
table.rates thead th {
  background: var(--panel);
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--navy-soft);
}
table.rates td.apr { font-weight: 800; font-size: 17px; white-space: nowrap; }
table.rates .sub { display: block; font-size: 13px; color: var(--navy-soft); font-weight: 400; }
table.rates td a { white-space: nowrap; }

.footnotes { font-size: 13.5px; color: var(--navy-soft); margin: 6px 0 30px; }
.footnotes p { margin: 0 0 6px; }

.empty-state {
  border: 2px dashed var(--line);
  border-radius: 10px;
  padding: 28px 20px;
  text-align: center;
  color: var(--navy-soft);
  margin: 0 0 30px;
}
.empty-state p { margin: 0; font-size: 16px; font-weight: 600; }
.empty-state .small { font-weight: 400; font-size: 14px; margin-top: 6px; }

/* Legal pages */
main.legal { padding: 30px 0 10px; max-width: 760px; }
main.legal h1 { font-size: 28px; margin: 0 0 4px; }
main.legal h2 { font-size: 20px; margin: 26px 0 6px; }
main.legal p, main.legal li { color: var(--navy); }
main.legal .updated { color: var(--navy-soft); font-size: 14px; margin: 0 0 14px; }
main.legal ul, main.legal ol { padding-left: 22px; }
main.legal li { margin-bottom: 5px; }

/* Footer */
footer.site {
  border-top: 1px solid var(--line);
  margin-top: 20px;
  padding: 22px 0 30px;
  font-size: 14px;
  color: var(--navy-soft);
}
footer.site nav { margin-bottom: 10px; }
footer.site nav a { color: var(--navy-soft); margin-right: 16px; text-decoration: none; }
footer.site nav a:hover { color: var(--accent); }
footer.site p { margin: 0 0 6px; }
.draft-note {
  display: inline-block;
  border: 1px solid var(--accent);
  color: var(--accent-dark);
  border-radius: 6px;
  padding: 3px 10px;
  font-size: 13px;
  font-weight: 600;
  margin-top: 8px;
}