/* =========================================================
   FedRateWatch — home.fedratewatch.org
   Brand: navy + red on white. Clean mortgage-rate look.
   ========================================================= */

:root {
  --navy:      #233b57;
  --navy-700:  #1b2e44;
  --navy-900:  #142233;
  --red:       #e02631;
  --red-700:   #c11f27;
  --ink:       #1f2a37;
  --muted:     #5d6b7a;
  --bg:        #ffffff;
  --bg-alt:    #f4f7fb;
  --bg-navy:   #233b57;
  --line:      #e3e9f0;
  --ok:        #1c7c3c;

  --maxw: 1140px;
  --font: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --shadow: 0 14px 40px -18px rgba(20, 34, 51, 0.32);
  --shadow-sm: 0 6px 18px -10px rgba(20, 34, 51, 0.3);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0; font-family: var(--font); color: var(--ink); background: var(--bg);
  font-size: 17px; line-height: 1.65; -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--navy); }
h1, h2, h3, h4 { line-height: 1.15; margin: 0; color: var(--navy); font-weight: 800; letter-spacing: -0.01em; }

.wrap { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: var(--font); font-weight: 700; font-size: 0.95rem;
  padding: 13px 24px; border-radius: 8px; border: 2px solid transparent;
  text-decoration: none; cursor: pointer; transition: transform .12s, background .15s, box-shadow .15s;
  white-space: nowrap;
}
.btn:active { transform: translateY(1px); }
.btn-red { background: var(--red); color: #fff; border-color: var(--red-700); box-shadow: var(--shadow-sm); }
.btn-red:hover { background: var(--red-700); }
.btn-navy { background: var(--navy); color: #fff; border-color: var(--navy-700); }
.btn-navy:hover { background: var(--navy-700); }
.btn-ghost { background: #fff; color: var(--navy); border-color: var(--line); }
.btn-ghost:hover { border-color: var(--navy); }
.btn-block { width: 100%; }
.btn-lg { padding: 16px 30px; font-size: 1.02rem; }

/* ---------- Header ---------- */
.site-header { background: #fff; border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 50; }
.header-bar { display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 14px 24px; }
.brand img { height: 38px; width: auto; }
.nav { display: flex; align-items: center; gap: 4px; }
.nav a.navlink {
  text-decoration: none; color: var(--navy); font-weight: 600; font-size: 0.92rem;
  padding: 9px 13px; border-radius: 6px; transition: background .15s, color .15s;
}
.nav a.navlink:hover { background: var(--bg-alt); color: var(--red); }
.nav .btn { margin-left: 8px; }
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 8px; flex-direction: column; gap: 5px; }
.nav-toggle span { width: 26px; height: 3px; background: var(--navy); display: block; border-radius: 2px; }
.header-cta { display: none; }

/* trust strip under header */
.trust-strip { background: var(--navy); color: #dce6f2; font-size: 0.82rem; }
.trust-strip .wrap { display: flex; gap: 26px; justify-content: center; flex-wrap: wrap; padding: 9px 24px; }
.trust-strip span { display: inline-flex; align-items: center; gap: 7px; }
.trust-strip .ico { color: #ff9aa0; font-weight: 800; }

/* ---------- Hero / Alert signup ---------- */
.hero { background: linear-gradient(160deg, #f4f8fd 0%, #e7eef7 100%); border-bottom: 1px solid var(--line); }
.hero-grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 44px; align-items: center; padding: 56px 24px 60px; }
.hero .eyebrow {
  display: inline-flex; align-items: center; gap: 8px; background: rgba(224,38,49,0.1); color: var(--red-700);
  font-weight: 700; font-size: 0.78rem; letter-spacing: 0.06em; text-transform: uppercase;
  padding: 6px 13px; border-radius: 40px;
}
.hero h1 { font-size: clamp(2rem, 4.4vw, 3.1rem); margin: 18px 0 0; }
.hero h1 .accent { color: var(--red); }
.hero .lead { font-size: 1.16rem; color: var(--muted); max-width: 52ch; margin: 18px 0 0; }
.hero ul.points { list-style: none; padding: 0; margin: 22px 0 0; display: grid; gap: 10px; }
.hero ul.points li { display: flex; align-items: flex-start; gap: 10px; font-weight: 600; color: var(--navy); }
.hero ul.points .ck { color: var(--ok); font-weight: 900; flex: 0 0 auto; }

/* alert form card */
.alert-card {
  background: #fff; border-radius: 14px; box-shadow: var(--shadow); overflow: hidden; border: 1px solid var(--line);
}
.alert-card .head { background: var(--navy); color: #fff; padding: 18px 26px; text-align: center; }
.alert-card .head h2 { color: #fff; font-size: 1.45rem; }
.alert-card .head p { margin: 4px 0 0; color: #c9d6e6; font-size: 0.9rem; }
.alert-card .body { padding: 24px 26px 26px; }
.field { margin-bottom: 14px; }
.field label { display: block; font-weight: 700; font-size: 0.8rem; color: var(--navy); margin-bottom: 6px; }
.field input {
  width: 100%; padding: 13px 14px; font-family: var(--font); font-size: 1rem;
  border: 1.5px solid var(--line); border-radius: 8px; background: #fff; color: var(--ink);
}
.field input:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(35,59,87,0.12); }
.consent { display: flex; gap: 10px; align-items: flex-start; margin: 6px 0 16px; }
.consent input { margin-top: 4px; width: 18px; height: 18px; accent-color: var(--red); flex: 0 0 auto; }
.consent label { font-size: 0.7625rem; line-height: 1.5; color: var(--muted); }
.consent label a { color: var(--navy); font-weight: 600; }
.form-error { color: var(--red); font-size: 0.85rem; font-weight: 600; min-height: 1px; margin-bottom: 8px; }
.form-note { font-size: 0.74rem; color: var(--muted); text-align: center; margin: 12px 0 0; }

/* success swap */
.alert-signup .success { display: none; text-align: center; padding: 10px 4px; }
.alert-signup.is-done .body form { display: none; }
.alert-signup.is-done .success { display: block; }
.alert-signup .success .ico { width: 56px; height: 56px; border-radius: 50%; background: #e8f5ec; color: var(--ok); display: grid; place-items: center; font-size: 1.8rem; font-weight: 900; margin: 6px auto 12px; }
.alert-signup .success h3 { font-size: 1.35rem; }
.alert-signup .success p { color: var(--muted); margin: 8px 0 0; }

/* ---------- Sections ---------- */
.section { padding: 64px 0; }
.section.alt { background: var(--bg-alt); }
.section-head { text-align: center; max-width: 680px; margin: 0 auto 40px; }
.section-head .kicker { color: var(--red); font-weight: 800; font-size: 0.8rem; letter-spacing: 0.12em; text-transform: uppercase; }
.section-head h2 { font-size: clamp(1.7rem, 3.4vw, 2.4rem); margin: 10px 0 0; }
.section-head p { color: var(--muted); font-size: 1.08rem; margin: 12px 0 0; }

/* ---------- Article cards ---------- */
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.card {
  display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: 12px;
  overflow: hidden; text-decoration: none; color: inherit; transition: transform .15s, box-shadow .15s, border-color .15s;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: #c7d4e4; }
.card .thumb { height: 150px; display: grid; place-items: center; color: #fff; }
.card .thumb svg { width: 100%; height: 100%; }
.card .body { padding: 20px 22px 24px; display: flex; flex-direction: column; flex: 1; }
.card .tag { align-self: flex-start; background: var(--bg-alt); color: var(--navy); font-weight: 700; font-size: 0.68rem; letter-spacing: 0.08em; text-transform: uppercase; padding: 4px 10px; border-radius: 5px; }
.card h3 { font-size: 1.18rem; margin: 12px 0 8px; }
.card p { color: var(--muted); font-size: 0.95rem; margin: 0 0 16px; }
.card .more { margin-top: auto; color: var(--red); font-weight: 800; font-size: 0.9rem; }

/* ---------- CTA band ---------- */
.cta-band { background: var(--navy); color: #fff; border-radius: 14px; padding: 48px 40px; text-align: center; }
.cta-band h2 { color: #fff; font-size: clamp(1.6rem, 3.2vw, 2.3rem); }
.cta-band p { color: #c9d6e6; max-width: 52ch; margin: 12px auto 24px; }

/* ---------- Article page ---------- */
.article-wrap { max-width: 760px; margin: 0 auto; padding: 48px 24px 20px; }
.breadcrumb { font-size: 0.85rem; color: var(--muted); margin-bottom: 10px; }
.breadcrumb a { color: var(--navy); text-decoration: none; }
.article-tag { display: inline-block; background: var(--red); color: #fff; font-weight: 700; font-size: 0.72rem; letter-spacing: 0.08em; text-transform: uppercase; padding: 5px 12px; border-radius: 5px; }
.article-wrap h1 { font-size: clamp(1.9rem, 4vw, 2.7rem); margin: 14px 0 0; }
.article-meta { color: var(--muted); font-size: 0.9rem; margin: 12px 0 0; }
.article-body { margin-top: 28px; }
.article-body p { margin: 0 0 18px; }
.article-body h2 { font-size: 1.5rem; margin: 34px 0 12px; }
.article-body ul { margin: 0 0 18px; padding-left: 22px; }
.article-body li { margin: 7px 0; }
.article-body blockquote { margin: 26px 0; padding: 16px 24px; border-left: 4px solid var(--red); background: var(--bg-alt); border-radius: 0 8px 8px 0; font-size: 1.08rem; }

.inline-alert { background: var(--bg-alt); border: 1px solid var(--line); border-radius: 12px; padding: 26px; margin: 36px 0; text-align: center; }
.inline-alert h3 { font-size: 1.35rem; }
.inline-alert p { color: var(--muted); margin: 6px 0 16px; }

.back-link { display: inline-block; margin-top: 12px; color: var(--navy); font-weight: 700; text-decoration: none; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-900); color: #aebccd; padding: 40px 0 26px; font-size: 0.9rem; }
.site-footer .cols { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 30px; }
.site-footer img { height: 34px; filter: brightness(0) invert(1); opacity: 0.95; margin-bottom: 12px; }
.site-footer h4 { color: #fff; font-size: 0.82rem; letter-spacing: 0.08em; text-transform: uppercase; margin: 0 0 12px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin: 8px 0; }
.site-footer a { color: #aebccd; text-decoration: none; }
.site-footer a:hover { color: #fff; }
.site-footer .disclaimer { font-size: 0.78rem; color: #8295aa; margin-top: 26px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.1); line-height: 1.6; }
.site-footer .bottom { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; margin-top: 16px; font-size: 0.82rem; }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; gap: 30px; }
  .hero .alert-card { order: -1; }
  .card-grid { grid-template-columns: repeat(2, 1fr); }
  .site-footer .cols { grid-template-columns: 1fr 1fr; }
  .nav-toggle { display: flex; }
  .nav {
    display: none; position: absolute; top: 100%; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line); box-shadow: var(--shadow);
  }
  .nav.open { display: flex; }
  .nav a.navlink { padding: 14px 24px; border-top: 1px solid var(--line); border-radius: 0; }
  .nav .btn { display: none; }
  .header-bar { gap: 12px; padding: 12px 18px; }
  .header-cta { display: inline-flex; margin-left: auto; padding: 10px 18px; font-size: 0.9rem; }
}
@media (max-width: 560px) {
  body { font-size: 16px; }
  .section { padding: 48px 0; }
  .card-grid { grid-template-columns: 1fr; }
  .site-footer .cols { grid-template-columns: 1fr; }
  .cta-band { padding: 36px 22px; }
}