/* USER-SCREENSHOT-ALIGNED BANKRATE-LIKE COMPONENTS. NOT ORIGINAL BANKRATE CSS.
   Landing/corporate/article fragments deliberately have different background schemes.
   Exact source fonts/hex values are NOT independently verified; serif stack is approximation. */
.br-page {--br-ink:#152440;--br-blue:#0759fb;--br-cream:#f9f7f4;--br-line:#dedbd5;--br-muted:#4a5261;--br-serif:"Noto Serif CJK KR","Nanum Myeongjo","Batang",Georgia,"Times New Roman",serif;color:#25262a;background:var(--br-cream);font-family:Arial,"Apple SD Gothic Neo","Malgun Gothic",sans-serif;line-height:1.6;}
.br-container{width:min(1220px,calc(100% - 66px));margin-inline:auto;}
.br-topbar{background:#fff;padding:13px 0;border-bottom:1px solid #eae9e7;}
.br-topbar__inner{display:flex;align-items:center;justify-content:space-between;gap:20px;}
.br-brand{font-weight:900;letter-spacing:-1.2px;font-size:23px;color:#102e65;text-decoration:none;}
.br-nav{display:flex;gap:24px;align-items:center;}
.br-nav a{font-size:14px;font-weight:700;text-decoration:none;color:#243349;}
.br-nav a:hover{text-decoration:underline;}
.br-mobile-toggle{display:none;border:1px solid #c9cbd4;background:white;border-radius:5px;padding:8px 14px;}
.br-card-section {padding:12px 0 60px;}
.br-card-grid {display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:30px;}
.br-action-card {background:#fff;border-radius:13px;min-height:415px;padding:27px 32px 45px;box-shadow:0 4px 13px rgba(28,31,34,.075);display:flex;flex-direction:column;align-items:flex-start;}
.br-action-card__icon{font-size:39px;line-height:1.2;height:52px;margin-bottom:5px;}
.br-action-card h2 {font-family:var(--br-serif);font-weight:700;font-size:29px;line-height:1.15;letter-spacing:-.5px;margin:0 0 11px;color:#101a30;}
.br-action-card__data {font-size:18px;line-height:1.5;color:#002b70;font-weight:750;margin:0 0 26px;min-height:28px;}
.br-action-card__desc{font-size:16px;line-height:1.54;color:#4c4f57;border-top:1px solid #c5c1ba;margin:0 0 27px;padding-top:18px;flex:1;}
.br-button {display:inline-flex;align-items:center;justify-content:center;gap:13px;min-height:48px;border-radius:11px;background:#075fff;color:white;text-decoration:none;font-weight:800;font-size:14px;padding:11px 23px;border:1px solid transparent;white-space:normal;}
.br-button:hover{background:#004ace;color:#fff;}
.br-button--outline{background:#fff;color:#075fff;border-color:#075fff;}
.br-button--outline:hover{background:#eaf1ff;color:#0347ba;}
.br-trust {font-size:13px;color:#484f5a;display:flex;align-items:center;justify-content:center;gap:16px;padding:38px 0 40px;}
.br-trust::before{content:'♙';font-size:22px;color:#485260;}
.br-about{background:#132441;border-radius:35px;position:relative;overflow:hidden;padding:45px 80px 64px;margin:36px auto 60px;color:#fff;}
.br-about::before{content:'';position:absolute;right:-10%;top:-60%;width:450px;height:850px;background:#1a3d82;transform:rotate(-32deg);border-radius:70px;pointer-events:none;}
.br-about h2{font-family:var(--br-serif);font-size:35px;line-height:1.25;text-align:center;margin:9px 0 46px;position:relative;}
.br-about h2::after{content:'';height:8px;width:170px;background:#1fa2f6;position:absolute;left:calc(50% - 85px);bottom:-12px;transform:rotate(-3deg);border-radius:100%;}
.br-about__grid{position:relative;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px;}
.br-about__card{min-height:420px;border-radius:26px;background:#fff;color:#0d2441;padding:36px 32px 38px;display:flex;flex-direction:column;}
.br-about__icon{font-size:37px;height:70px;}
.br-about__card h3{font-size:19px;line-height:1.4;margin:4px 0 26px;font-weight:800;}
.br-about__card p{font-size:16px;line-height:1.75;color:#444f5f;margin:0 0 25px;flex:1;}
.br-about__card a{font-size:14px;color:#075fff;font-weight:750;text-decoration:none;}
.br-about__card a:hover{text-decoration:underline;}
/* Editorial / article: separate dark masthead with overlapping lower content. */
.br-article-page {background:#faf8f5;--br-hero-bg:#15243e;--br-hero-accent:#1fa2f6;--br-insight-border:#073b9c;--br-figure-start:#cef4dc;--br-figure-end:#aee1b8;--br-link:#0661ff;}
.br-editorial-hero{background:var(--br-hero-bg,#15243e);color:#fff;min-height:480px;padding:11px 0 136px;}
.br-editorial-hero__inner{width:min(1310px,calc(100% - 65px));margin-inline:auto;}
.br-editorial-breadcrumb{display:flex;justify-content:space-between;gap:20px;font-size:12px;margin-bottom:31px;}
.br-editorial-breadcrumb a{color:#fff;text-decoration:none;}
.br-editorial-breadcrumb a:hover{text-decoration:underline;}
.br-editorial-hero h1{font-family:var(--br-serif);font-weight:750;letter-spacing:-1.15px;line-height:1.06;max-width:1170px;font-size:clamp(38px,4vw,56px);margin:0 0 38px;color:#fff;}
.br-byline{display:flex;align-items:center;gap:16px;font-size:14px;}
.br-byline__avatars{display:flex;flex:none;}
.br-byline__avatars span{display:grid;place-items:center;color:#35435e;background:#e6e9f0;border:2px solid #fff;border-radius:50%;width:35px;height:35px;font-size:12px;}
.br-byline__avatars span+span{margin-left:-9px;}
.br-byline p{margin:0 0 5px;}
.br-byline small{font-size:12px;color:#d8e4ff;}
.br-editorial-layout{width:min(1375px,calc(100% - 12px));margin:-89px auto 0;position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,845px) minmax(300px,385px);gap:clamp(28px,3.2vw,50px);align-items:start;}
.br-editorial-main{background:#fff;border-radius:17px 17px 0 0;min-width:0;padding:39px clamp(25px,3.5vw,48px) 75px;}
.br-editorial-main p{font-size:18px;line-height:1.75;color:#4c4c4c;margin:0 0 29px;}
.br-editorial-main .lead{font-size:18px;line-height:1.72;}
.br-editorial-main h2{font-family:var(--br-serif);font-size:33px;color:#181b21;line-height:1.2;margin:43px 0 19px;}
.br-editorial-main h3{font-size:23px;margin:33px 0 13px;}
.br-editorial-main a:not(.br-button){color:var(--br-link,#0661ff);text-decoration:underline;text-underline-offset:3px;}
.br-editorial-side{padding-top:1px;min-width:0;}
.br-editorial-figure{min-height:217px;background:linear-gradient(145deg,var(--br-figure-start,#cef4dc),var(--br-figure-end,#aee1b8));border-radius:15px;padding:25px;display:grid;place-items:center;margin:0 0 19px;position:relative;overflow:hidden;}
.br-editorial-figure::before,.br-editorial-figure::after{content:"";display:block;width:65%;height:80%;position:absolute;background:rgba(77,168,113,.1);border-radius:50%;transform:rotate(-25deg);}
.br-editorial-figure::after{transform:rotate(22deg);width:40%;height:120%;right:-20%;}
.br-editorial-figure span{font-size:90px;position:relative;z-index:1;}
.br-disclosure{display:flex;justify-content:space-between;gap:15px;border-top:1px solid #dbe4fa;padding:16px 0;font-size:12px;}
.br-toc{border-top:1px solid #dbe4fa;margin:24px 0;position:sticky;top:10px;}
.br-toc h3{font-size:20px;margin:25px 0 20px;}
.br-toc a{color:#555;text-decoration:none;font-size:15px;}
.br-toc a:hover{color:var(--br-link,#075fff);text-decoration:underline;}
.br-toc li{margin-bottom:12px;}
.br-insight{display:grid;grid-template-columns:42px minmax(0,1fr);gap:15px;border-left:4px solid var(--br-insight-border,#073b9c);padding:29px 28px;margin:39px 0 45px;}
.br-insight__icon{font-size:25px;}
.br-insight h3{font-size:18px;margin:0 0 12px;color:#111;font-weight:800;}
.br-insight p{font-size:16px;line-height:1.7;margin:0 0 5px;}
.br-table-wrap{overflow-x:auto;border:1px solid #dfddd7;border-radius:9px;margin:28px 0 43px;}
.br-data-table{border-collapse:collapse;width:100%;min-width:650px;font-size:14px;font-variant-numeric:tabular-nums;}
.br-data-table thead th{background:#fff;font-weight:750;color:#384050;border-bottom:1px solid #dedbd3;vertical-align:bottom;text-align:center;line-height:1.55;}
.br-data-table thead th:first-child{text-align:left;}
.br-data-table td,.br-data-table th{padding:21px 19px;border-bottom:1px solid #ebe7de;}
.br-data-table tbody th{text-align:left;font-weight:800;}
.br-data-table tbody td{text-align:right;white-space:nowrap;}
.br-data-table tbody tr:last-child th,.br-data-table tbody tr:last-child td{border-bottom:0;}
.br-faq{margin:35px 0;border-top:1px solid #d2d6de;}
.br-faq details{border-bottom:1px solid #d2d6de;padding:17px 0;}
.br-faq summary{display:flex;justify-content:space-between;cursor:pointer;font-size:18px;font-weight:750;list-style:none;}
.br-faq summary::after{content:'+';color:#075fff;font-size:24px;}
.br-faq details[open] summary::after{content:'−';}
.br-faq p{font-size:16px;padding-top:15px;}
@media(max-width:1050px){.br-about{padding:38px 35px 45px}.br-about__grid{grid-template-columns:repeat(2,minmax(0,1fr))}.br-editorial-layout{grid-template-columns:minmax(0,1fr) 290px;gap:25px}.br-editorial-main{padding-left:30px;padding-right:30px}.br-card-grid{gap:15px}.br-action-card{padding:23px}}
@media(max-width:760px){.br-container{width:min(100% - 30px,1220px)}.br-card-grid{grid-template-columns:1fr}.br-action-card{min-height:auto}.br-action-card__desc{flex:initial}.br-about{border-radius:24px;padding:35px 24px}.br-editorial-layout{grid-template-columns:1fr;width:min(100% - 16px,620px);gap:25px}.br-editorial-side{order:2;padding:0 16px}.br-editorial-hero{min-height:450px;padding-bottom:120px}.br-editorial-hero__inner{width:min(100% - 34px,640px)}.br-editorial-hero h1{font-size:clamp(34px,7vw,49px)}.br-editorial-main p{font-size:16px}.br-editorial-main h2{font-size:28px}.br-toc{position:static}.br-mobile-toggle{display:block;margin-left:auto}.br-topbar__inner{flex-wrap:wrap}.br-nav{display:none;flex-direction:column;align-items:start;width:100%;gap:12px;padding-bottom:12px}.br-topbar[data-open="true"] .br-nav{display:flex}.br-action-card h2{font-size:28px}}
@media(max-width:520px){.br-about__grid{grid-template-columns:1fr}.br-about h2{font-size:29px}.br-about__card{min-height:260px}.br-editorial-main{padding:28px 19px}.br-editorial-breadcrumb{font-size:11px;gap:10px}.br-byline{align-items:start}.br-editorial-hero h1{font-size:35px}.br-insight{grid-template-columns:1fr;padding:22px 15px}.br-editorial-layout{margin-top:-70px}.br-data-table{font-size:13px}}