.eccr-rates{
      --navy:#061828; --navy-2:#102c45; --sky:#7dd1fb; --mnd:#57b7dd;
      --ink:#0c2337; --body:#4d6576; --subtle:#718899; --line:#ddeaf1;
      --pale:#f4f9fc; --white:#fff; --container:1272px;
      --easing:cubic-bezier(.22,.68,0,1.07); --shadow:0 25px 70px rgba(7,39,64,.105);
    }
.eccr-rates *,.eccr-rates *::before,.eccr-rates *::after{box-sizing:border-box}
.eccr-rates a{color:inherit;text-decoration:none}
.eccr-rates button{font:inherit;cursor:pointer}
.eccr-rates h1,.eccr-rates h2,.eccr-rates h3,.eccr-rates p{margin-top:0}
.eccr-rates h1,.eccr-rates h2,.eccr-rates h3{font-family:Manrope,Arial,sans-serif;line-height:1.18;letter-spacing:-.039em}
.eccr-rates img,.eccr-rates svg{max-width:100%}
.eccr-rates :focus-visible{outline:3px solid #459fc7;outline-offset:4px}
.eccr-rates ::selection{background:#bdeaff;color:var(--navy)}
.eccr-rates .container{width:min(var(--container),calc(100% - 64px));margin-inline:auto}
.eccr-rates .sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.eccr-rates .hero{position:relative;isolation:isolate;overflow:hidden;background:linear-gradient(135deg,#fff 0%,#fff 35%,#f6fbfd 74%,#edf8ff 100%);border-bottom:1px solid #e7f0f5}
.eccr-rates .hero::before{content:"";position:absolute;z-index:-1;width:740px;height:740px;right:-270px;top:-380px;border-radius:50%;border:1px solid #b8e6fb55;box-shadow:0 0 0 85px #7dd1fb07,0 0 0 172px #7dd1fb06;pointer-events:none}
.eccr-rates .hero-layout{display:grid;grid-template-columns:minmax(0,.95fr) minmax(0,1.52fr);gap:46px;align-items:start;padding:64px 0 82px}
.eccr-rates .intro{min-width:0;padding-top:1px}
.eccr-rates .breadcrumb{display:flex;align-items:center;gap:9px;margin-bottom:31px;color:#637c8d;font-size:12px}
.eccr-rates .breadcrumb a:hover{text-decoration:underline;text-underline-offset:3px;color:#14678e}
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.eccr-rates .eyebrow::before{content:"";width:23px;height:2px;background:var(--sky)}
.eccr-rates .intro h1{font-size:clamp(39px,4.3vw,61px);font-weight:800;letter-spacing:-.056em;color:var(--navy);margin:0 0 24px;max-width:490px;text-wrap:balance}
.eccr-rates .intro h1 span{color:#277da4}
.eccr-rates .intro .lead{font-size:16px;line-height:1.85;color:var(--body);max-width:470px;margin:0 0 28px}
.eccr-rates .hero-actions{display:flex;gap:11px;flex-wrap:wrap;margin:0 0 34px}
.eccr-rates .btn{display:inline-flex;gap:10px;align-items:center;justify-content:center;position:relative;isolation:isolate;overflow:hidden;white-space:nowrap;border-radius:8px;font:800 12px/1.4 Manrope,Arial,sans-serif;padding:14px 17px;min-height:47px;border:1px solid transparent;transition:transform .28s ease,box-shadow .28s ease,background .28s ease,border-color .28s ease}
.eccr-rates .btn svg{width:16px;height:16px;flex-shrink:0;transition:transform .28s ease}
.eccr-rates .btn:hover svg{transform:translateX(3px)}
.eccr-rates .btn:hover{transform:translateY(-3px)}
.eccr-rates .btn-dark{background:var(--navy);color:#fff;box-shadow:0 8px 20px #0618281c}
.eccr-rates .btn-dark:hover{background:#153850;box-shadow:0 13px 25px #06182835}
.eccr-rates .btn-light{background:#fff;color:var(--navy);border-color:#cddfe9}
.eccr-rates .btn-light:hover{border-color:#8ccfeb;box-shadow:0 10px 24px #0b466712}
.eccr-rates .btn-sweep::before{content:"";position:absolute;inset:-90% auto -90% -75%;width:35%;z-index:-1;transform:skewX(-20deg);background:linear-gradient(90deg,transparent,#ffffff44,transparent);transition:transform .7s ease;pointer-events:none}
.eccr-rates .btn-sweep:hover::before{transform:skewX(-20deg) translateX(530%)}
.eccr-rates .insight-panel{position:relative;max-width:492px;background:#ffffffb8;border:1px solid #dbeaf1;border-radius:14px;padding:22px 24px 19px;box-shadow:0 16px 38px #1749680b;backdrop-filter:blur(8px)}
.eccr-rates .insight-panel::before{content:"";position:absolute;left:22px;top:0;width:70px;height:3px;background:linear-gradient(90deg,#2276a1,#9edffa);border-radius:0 0 4px 4px}
.eccr-rates .insight-heading{display:flex;align-items:center;gap:10px;margin-bottom:11px}
.eccr-rates .insight-heading svg{color:#21769c;width:20px;height:20px}
.eccr-rates .insight-heading h2{font-size:15px;letter-spacing:-.02em;margin:0;color:var(--navy)}
.eccr-rates .insight-panel ul{list-style:none;padding:0;margin:0}
.eccr-rates .insight-panel li{display:flex;align-items:flex-start;gap:10px;color:#506879;font-size:12.5px;line-height:1.65;padding:7px 0}
.eccr-rates .insight-panel li svg{width:14px;height:14px;flex-shrink:0;margin-top:3px;color:#2f8db8}
.eccr-rates .insight-panel li strong{color:#15344a}
.eccr-rates .widget-shell{min-width:0;position:relative;background:#fff;border:1px solid #d9eaf2;border-radius:17px;padding:14px;box-shadow:0 30px 77px rgba(8,42,64,.11),0 5px 18px rgba(8,42,64,.035);transition:transform .4s ease,box-shadow .4s ease,border-color .4s ease}
.eccr-rates .widget-shell:hover{transform:translateY(-4px);border-color:#baddf1;box-shadow:0 37px 84px rgba(8,42,64,.145),0 5px 18px rgba(8,42,64,.04)}
.eccr-rates .widget-topline{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:5px 5px 16px}
.eccr-rates .widget-kicker{font:800 10px/1.4 Manrope,Arial,sans-serif;letter-spacing:.14em;text-transform:uppercase;color:#256c90;display:inline-flex;align-items:center;gap:9px}
.eccr-rates .widget-kicker::before{content:"";width:8px;height:8px;border-radius:50%;background:#6bc4ed;box-shadow:0 0 0 4px #7dd1fb26}
.eccr-rates .widget-source{font-size:11px;color:#718695;text-align:right}
.eccr-rates .mnd-rates-widget{width:100%;max-width:none;background:#fff;font-family:Arial,sans-serif}
.eccr-rates .widget-bar{min-height:47px;display:flex;align-items:center;justify-content:center;background:var(--mnd);color:#fff;text-align:center;padding:10px 12px;font:600 17px/1.35 Arial,sans-serif}
.eccr-rates .widget-bar:first-child{border-radius:5px 5px 0 0}
.eccr-rates .widget-bar:nth-of-type(3){border-radius:0 0 5px 5px}
.eccr-rates .widget-bar a{color:#fff;text-decoration:none}
.eccr-rates .widget-bar a:hover{text-decoration:underline;text-underline-offset:3px}
.eccr-rates .widget-frame{position:relative;width:100%;height:330px;overflow:hidden;border-left:5px solid var(--mnd);border-right:5px solid var(--mnd);background:#fff}
.eccr-rates .widget-frame iframe{display:block;width:100%;height:330px;border:0;background:#fff}
.eccr-rates .widget-hint{display:none;margin:8px 0 0;color:var(--subtle);font-size:11px;text-align:center}
.eccr-rates .widget-disclosure{padding:17px 5px 4px;border-top:1px solid var(--line);margin-top:18px;color:#607688;font-size:11.5px;line-height:1.7}
.eccr-rates .widget-disclosure p{margin:0 0 7px}
.eccr-rates .widget-disclosure p:last-child{margin-bottom:0}
.eccr-rates .widget-disclosure strong{color:var(--navy)}
.eccr-rates .understand{padding:82px 0 87px;background:#fff}
.eccr-rates .section-heading{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:35px}
.eccr-rates .section-eyebrow{font:800 10px/1.4 Manrope,Arial,sans-serif;letter-spacing:.16em;text-transform:uppercase;color:#287fa9;display:block;margin:0 0 12px}
.eccr-rates .section-heading h2{font-size:clamp(26px,3.3vw,38px);margin:0;color:var(--navy);max-width:615px;text-wrap:balance}
.eccr-rates .section-heading p{font-size:13.5px;line-height:1.75;color:var(--body);max-width:320px;margin:0}
.eccr-rates .factors-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.eccr-rates .factor{position:relative;border:1px solid #dfeaf0;background:linear-gradient(155deg,#fff,#fbfdfe);border-radius:15px;padding:27px 27px 24px;min-height:235px;overflow:hidden;transition:border-color .3s,transform .35s ease,box-shadow .35s ease}
.eccr-rates .factor::before{content:"";position:absolute;left:0;bottom:0;width:100%;height:3px;background:linear-gradient(90deg,var(--sky),#22789f);transform:scaleX(0);transform-origin:left;transition:transform .42s ease}
.eccr-rates .factor:hover,.eccr-rates .factor:focus-within{transform:translateY(-6px);border-color:#b5dbe9;box-shadow:0 18px 45px #093a5514}
.eccr-rates .factor:hover::before,.eccr-rates .factor:focus-within::before{transform:scaleX(1)}
.eccr-rates .factor-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:22px}
.eccr-rates .factor-icon{width:48px;height:48px;border-radius:13px;display:grid;place-items:center;color:#146e99;background:#eaf7fd}
.eccr-rates .factor-icon svg{width:23px;height:23px}
.eccr-rates .factor-num{font:800 12px Manrope,Arial,sans-serif;color:#a2c2d4;letter-spacing:.08em}
.eccr-rates .factor h3{font-size:18px;letter-spacing:-.028em;margin:0 0 9px;color:var(--navy)}
.eccr-rates .factor p{color:var(--body);font-size:13px;line-height:1.75;margin:0;max-width:330px}
.eccr-rates .resources{background:linear-gradient(120deg,#f3f9fc,#f8fbfd);border-top:1px solid #e6eff4;border-bottom:1px solid #e6eff4;padding:78px 0 83px}
.eccr-rates .resources .section-heading{margin-bottom:30px}
.eccr-rates .resource-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.eccr-rates .resource{position:relative;display:grid;grid-template-columns:1fr auto;gap:18px;align-items:end;background:#fff;border:1px solid #dceaf1;border-radius:15px;min-height:224px;padding:32px 32px 30px;overflow:hidden;transition:transform .38s ease,border-color .32s ease,box-shadow .32s ease}
.eccr-rates .resource:hover,.eccr-rates .resource:focus-within{transform:translateY(-5px);border-color:#b1dbea;box-shadow:0 22px 50px rgba(8,41,61,.08)}
.eccr-rates .resource::after{content:"";position:absolute;right:-65px;top:-90px;width:200px;height:200px;border:1px solid #7dd1fb33;border-radius:50%;box-shadow:0 0 0 36px #7dd1fb09;pointer-events:none}
.eccr-rates .resource small{font:800 10px Manrope,Arial,sans-serif;letter-spacing:.14em;text-transform:uppercase;color:#207ba5;display:block;margin-bottom:14px}
.eccr-rates .resource h3{font-size:23px;color:var(--navy);margin:0 0 11px;max-width:440px}
.eccr-rates .resource p{color:var(--body);font-size:13.5px;line-height:1.7;margin:0 0 22px;max-width:420px}
.eccr-rates .resource .text-link{display:inline-flex;align-items:center;gap:9px;color:#136b95;font:800 13px/1.5 Manrope,Arial,sans-serif;text-decoration:underline;text-underline-offset:5px}
.eccr-rates .resource .text-link svg{width:16px;height:16px;transition:transform .25s ease}
.eccr-rates .resource:hover .text-link svg{transform:translateX(4px)}
.eccr-rates .resource-ornament{width:55px;height:55px;border:1px solid #c4e9fa;border-radius:14px;background:#effaff;display:grid;place-items:center;color:#1f7ca7;align-self:start;z-index:1}
.eccr-rates .resource-ornament svg{width:26px;height:26px}
.eccr-rates .faq{padding:76px 0 84px;background:#fff}
.eccr-rates .faq-layout{display:grid;grid-template-columns:minmax(0,.78fr) minmax(0,1.28fr);gap:80px;align-items:start}
.eccr-rates .faq h2{font-size:clamp(27px,3.1vw,36px);margin:0 0 15px;color:var(--navy)}
.eccr-rates .faq .subcopy{color:var(--body);font-size:14px;max-width:330px;line-height:1.8}
.eccr-rates .faq-item{border-bottom:1px solid #dbe8ef}
.eccr-rates .faq-item:first-child{border-top:1px solid #dbe8ef}
.eccr-rates .faq-item summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:18px;padding:21px 2px;color:var(--navy);font:750 15px/1.55 Manrope,Arial,sans-serif;transition:color .2s}
.eccr-rates .faq-item summary::-webkit-details-marker{display:none}
.eccr-rates .faq-item summary:hover{color:#1579a7}
.eccr-rates .plus{display:grid;place-items:center;flex-shrink:0;width:28px;height:28px;border-radius:50%;background:#eff8fc;color:#1779a6;font:500 22px/1 Arial,sans-serif;transition:transform .25s,background .25s}
.eccr-rates .faq-item[open] .plus{transform:rotate(45deg);background:#d6f1ff}
.eccr-rates .faq-item p{font-size:13.5px;color:var(--body);line-height:1.8;padding:0 47px 21px 2px;margin:0}
.eccr-rates .cta-band{padding:0 0 82px;background:#fff}
.eccr-rates .cta-inner{position:relative;isolation:isolate;overflow:hidden;border-radius:21px;padding:45px 52px;background:linear-gradient(103deg,#061828,#103753 60%,#092237);color:#fff;display:flex;gap:32px;align-items:center;justify-content:space-between}
.eccr-rates .cta-inner::before{content:"";position:absolute;z-index:-1;width:420px;height:420px;right:-145px;top:-135px;border-radius:50%;border:1px solid #7dd1fb44;box-shadow:0 0 0 54px #7dd1fb0c,0 0 0 108px #7dd1fb07;pointer-events:none}
.eccr-rates .cta-inner .section-eyebrow{color:#91dffe;margin-bottom:11px}
.eccr-rates .cta-inner h2{font-size:clamp(25px,3.1vw,34px);color:#fff;margin:0 0 9px}
.eccr-rates .cta-inner p{color:#bfd3e0;font-size:13.5px;margin:0;line-height:1.75;max-width:610px}
.eccr-rates .cta-inner .btn{background:var(--sky);color:#061828;flex-shrink:0;box-shadow:none}
.eccr-rates .cta-inner .btn:hover{background:#b6e9ff}
@media (prefers-reduced-motion:no-preference){@keyframes fade-up{from{opacity:0;transform:translateY(17px)}to{opacity:1;transform:translateY(0)}}
@keyframes fade-in{from{opacity:0}to{opacity:1}}
.eccr-rates .intro{animation:fade-up .72s both cubic-bezier(.2,.65,.2,1)}
.eccr-rates .widget-shell{animation:fade-in 1s .12s both ease}
.eccr-rates [data-reveal]{opacity:1;transform:none}
.eccr-rates [data-reveal].visible{animation:fade-up .68s both cubic-bezier(.2,.7,.2,1)}
.eccr-rates .factor:nth-child(2),.eccr-rates .resource:nth-child(2){transition-delay:.08s}
.eccr-rates .factor:nth-child(3){transition-delay:.16s}
.eccr-rates .factor.visible:hover,.eccr-rates .resource.visible:hover{transform:translateY(-5px)}}
@media (max-width:1190px){.eccr-rates .hero-layout{grid-template-columns:minmax(0,.90fr) minmax(0,1.46fr);gap:32px}
.eccr-rates .intro h1{font-size:clamp(36px,4.2vw,51px)}}
@media (max-width:1030px){.eccr-rates .hero-layout{grid-template-columns:1fr;gap:38px;padding:48px 0 68px}
.eccr-rates .intro h1{font-size:clamp(41px,5.5vw,58px);max-width:790px}
.eccr-rates .intro .lead{max-width:740px}
.eccr-rates .insight-panel{max-width:780px}
.eccr-rates .widget-shell{width:min(100%,820px)}
.eccr-rates .faq-layout{gap:36px;grid-template-columns:minmax(0,.75fr) minmax(0,1.25fr)}}
@media (max-width:720px){.eccr-rates .container{width:calc(100% - 36px)}
.eccr-rates .hero-layout{padding:38px 0 52px;gap:29px}
.eccr-rates .breadcrumb{margin-bottom:22px}
.eccr-rates .intro h1{font-size:clamp(34px,9vw,46px);margin-bottom:17px}
.eccr-rates .intro .lead{font-size:15px;line-height:1.8;margin-bottom:22px}
.eccr-rates .hero-actions{margin-bottom:26px}
.eccr-rates .insight-panel{padding:19px 18px 16px}
.eccr-rates .widget-shell{padding:9px;border-radius:12px}
.eccr-rates .widget-topline{padding:6px 4px 12px}
.eccr-rates .widget-source{font-size:10px}
.eccr-rates .widget-frame{overflow-x:auto;overflow-y:hidden;scrollbar-width:thin;scrollbar-color:#99c3d9 #eff9fd;-webkit-overflow-scrolling:touch}
.eccr-rates .widget-frame iframe{width:716px;min-width:716px;height:330px}
.eccr-rates .widget-hint{display:block}
.eccr-rates .widget-disclosure{font-size:11px;padding:14px 4px 4px}
.eccr-rates .understand,.eccr-rates .resources,.eccr-rates .faq{padding:55px 0 60px}
.eccr-rates .section-heading{flex-direction:column;align-items:flex-start;gap:11px;margin-bottom:24px}
.eccr-rates .section-heading p{max-width:620px}
.eccr-rates .factors-grid,.eccr-rates .resource-grid{grid-template-columns:1fr}
.eccr-rates .factor{min-height:0;padding:24px}
.eccr-rates .factor-top{margin-bottom:15px}
.eccr-rates .resource{min-height:0;padding:26px}
.eccr-rates .faq-layout{grid-template-columns:1fr;gap:15px}
.eccr-rates .faq .subcopy{max-width:600px}
.eccr-rates .faq-item summary{font-size:14px}
.eccr-rates .cta-band{padding-bottom:55px}
.eccr-rates .cta-inner{padding:35px 25px;flex-direction:column;align-items:flex-start;gap:23px;border-radius:16px}}
@media (max-width:420px){.eccr-rates .widget-topline{flex-direction:column;align-items:flex-start;gap:3px}
.eccr-rates .widget-bar{font-size:16px;min-height:45px}
.eccr-rates .hero-actions{flex-direction:column;align-items:stretch}
.eccr-rates .hero-actions .btn{width:100%}
.eccr-rates .resource h3{font-size:20px}}
@media (prefers-reduced-motion:reduce){.eccr-rates *,.eccr-rates *::before,.eccr-rates *::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}
.eccr-rates [data-reveal]{opacity:1!important;transform:none!important}}