/* Shared Learn section styles for content hub + article pages. */

.learn-page {
  max-width: 1160px;
  margin: 0 auto;
  padding: calc(var(--header-h) + 22px) 28px 96px;
}

.learn-hero {
  position: relative;
  overflow: hidden;
  padding: 32px 0;
  /* border: 1.5px solid var(--border);
  border-radius: 24px;
  background:
    radial-gradient(circle at top right, var(--accent-bg2), transparent 34%),
    linear-gradient(180deg, color-mix(in srgb, var(--card) 86%, var(--bg) 14%) 0%, var(--card) 100%);
  box-shadow: var(--sh-lg); */
}

.learn-hero::after {
  content: "";
  position: absolute;
  inset: auto 0 0;
  /* height: 1px;
  background: linear-gradient(90deg, transparent 0%, var(--accent) 50%, transparent 100%);
  opacity: .65; */
}

.learn-eyebrow,
.learn-breadcrumb,
.learn-meta-row,
.learn-card-meta,
.learn-cta-eyebrow,
.learn-related-label {
  font-size: .66rem;
  font-weight: 800;
  letter-spacing: .16em;
  text-transform: uppercase;
}

.learn-eyebrow,
.learn-cta-eyebrow,
.learn-related-label {
  color: var(--accent);
}

.learn-breadcrumb {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 18px;
  color: var(--text3);
}

.learn-breadcrumb a {
  color: var(--text2);
  text-decoration: none;
}

.learn-breadcrumb a:hover {
  color: var(--accent);
}

.learn-title {
  margin: 0 0 14px;
  font-family: var(--f-display);
  font-size: clamp(2.2rem, 5vw, 3.7rem);
  line-height: 1.04em;
  letter-spacing: -.02em;
  color: var(--text);
  max-width: 880px;
}

.learn-subtitle {
  max-width: 760px;
  margin: 0;
  font-size: .98rem;
  line-height: 1.8;
  color: var(--text3);
}

.learn-hero-stats {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 26px;
}

.learn-stat {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 14px;
  border: 1px solid var(--border);
  border-radius: 999px;
  background: color-mix(in srgb, var(--bg2) 68%, transparent 32%);
  color: var(--text2);
  font-size: .78rem;
  font-weight: 600;
}

.learn-stat strong {
  color: var(--text);
  font-family: var(--f-mono);
  font-size: .8rem;
}

.learn-section {
  margin-top: 56px;
}

.learn-section-header {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 18px;
  margin-bottom: 24px;
}

.learn-section-title {
  margin: 0 0 8px;
  font-family: var(--f-display);
  font-size: clamp(1.6rem, 3vw, 2.25rem);
  letter-spacing: -.02em;
  color: var(--text);
}

.learn-section-copy {
  max-width: 680px;
  font-size: .92rem;
  line-height: 1.75;
  color: var(--text3);
}

.learn-card-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.learn-card {
  display: flex;
  flex-direction: column;
  min-height: 100%;
  padding: 26px 24px 24px;
  border: 1.5px solid var(--border);
  border-radius: 20px;
  background: linear-gradient(180deg, var(--card) 0%, color-mix(in srgb, var(--card2) 92%, var(--bg) 8%) 100%);
  box-shadow: var(--sh);
  text-decoration: none;
  transition: transform .15s, border-color .15s, box-shadow .15s;
}

.learn-card:hover {
  transform: translateY(-2px);
  border-color: color-mix(in srgb, var(--accent) 55%, var(--border) 45%);
  box-shadow: var(--sh-lg);
}

.learn-card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 18px;
}

.learn-card-title {
  margin: 0 0 12px;
  font-family: var(--f-display);
  font-size: 1.45rem;
  line-height: 1.18;
  letter-spacing: -.015em;
  color: var(--text);
}

.learn-card-excerpt {
  margin: 0 0 18px;
  color: var(--text2);
  font-size: .88rem;
  line-height: 1.72;
}

.learn-card-meta {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--text3);
}

.learn-card-dot {
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: var(--border2);
}

.learn-card-cta {
  margin-top: auto;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--accent);
  font-size: .85rem;
  font-weight: 700;
}

.learn-card-cta span {
  transition: transform .15s;
}

.learn-card:hover .learn-card-cta span {
  transform: translateX(3px);
}

.learn-bottom-cta,
.learn-inline-cta,
.learn-end-cta {
  position: relative;
  overflow: hidden;
  border: 1.5px solid var(--border);
  border-radius: 22px;
  background:
    radial-gradient(circle at top right, var(--accent-bg2), transparent 30%),
    linear-gradient(180deg, color-mix(in srgb, var(--card) 92%, var(--bg) 8%) 0%, var(--card) 100%);
}

.learn-bottom-cta {
  margin-top: 56px;
  padding: 34px 32px;
}

.learn-cta-title {
  margin: 12px 0 10px;
  font-family: var(--f-display);
  font-size: clamp(1.5rem, 3vw, 2.15rem);
  line-height: 1.15;
  letter-spacing: -.018em;
  color: var(--text);
}

.learn-cta-copy {
  max-width: 670px;
  margin: 0;
  color: var(--text2);
  font-size: .92rem;
  line-height: 1.72;
}

.learn-cta-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 24px;
}

.learn-calc-anchor {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 12px;
  margin-top: 24px;
  padding: 20px 22px;
  border: 1.5px solid color-mix(in srgb, var(--accent) 35%, var(--border) 65%);
  border-radius: 18px;
  background: color-mix(in srgb, var(--accent-bg) 45%, transparent 55%);
}

.learn-calc-anchor__label {
  margin: 0;
  font-size: .68rem;
  font-weight: 800;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--accent);
}

.learn-calc-anchor__note {
  margin: 0;
  color: var(--text3);
  font-size: .82rem;
}

.learn-article-wrap {
  max-width: 1100px;
  margin: 0 auto;
  padding: calc(var(--header-h) + 22px) 32px 96px;
}

.learn-article-wrap > .learn-breadcrumb,
.learn-article-wrap > article,
.learn-article-wrap > .learn-back-row {
  max-width: 860px;
  width: 100%;
  margin-inline: auto;
}

.learn-article-hero {
  padding: 0 0 30px;
  border-bottom: 1px solid var(--border);
}

.learn-kicker-row,
.learn-meta-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 10px;
}

.learn-kicker-row {
  margin-bottom: 18px;
}

.learn-meta-row {
  margin-top: 18px;
  color: var(--text3);
}

.learn-dek {
  max-width: 700px;
  margin: 0;
  color: var(--text3);
  font-size: 1rem;
  line-height: 1.78;
}

.learn-article {
  margin-top: 34px;
}

.learn-article > * + * {
  margin-top: 20px;
}

.learn-article h2 {
  margin-top: 38px;
  font-family: var(--f-display);
  font-size: clamp(1.45rem, 2.8vw, 2rem);
  line-height: 1.15;
  letter-spacing: -.016em;
  color: var(--text);
}

.learn-article h3 {
  margin-top: 28px;
  font-size: 1rem;
  line-height: 1.45;
  font-weight: 600;
  color: var(--text);
}

.learn-article p,
.learn-article li {
  font-size: .86rem;
  line-height: 1.82;
  color: var(--text2);
}

.learn-article strong {
  color: var(--text);
}

.learn-article ul,
.learn-article ol {
  padding-left: 1.2rem;
}

.learn-article li + li {
  margin-top: 8px;
}

.learn-article a:not(.btn) {
  color: var(--accent);
  text-decoration: none;
  border-bottom: 1px solid transparent;
}

.learn-article a:not(.btn):hover {
  border-bottom-color: var(--accent);
}

.learn-note,
.learn-inline-cta,
.learn-end-cta {
  margin-top: 30px;
  padding: 22px 22px 20px;
}

.learn-note {
  border: 1.5px solid var(--border2);
  border-left: 4px solid var(--accent);
  border-radius: 16px;
  background: color-mix(in srgb, var(--accent-bg) 70%, transparent 30%);
}

.learn-note.warn {
  border-left-color: var(--amber);
  background: color-mix(in srgb, var(--amber-bg) 74%, transparent 26%);
}

.learn-note-title {
  margin: 0 0 8px;
  font-size: .82rem;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--accent);
}

.learn-note.warn .learn-note-title {
  color: var(--amber);
}

.learn-note p:last-child {
  margin-bottom: 0;
}

.learn-inline-cta,
.learn-end-cta {
  border-color: color-mix(in srgb, var(--accent) 30%, var(--border) 70%);
}

.learn-inline-cta p,
.learn-end-cta p {
  margin: 0;
}

.learn-related {
  margin-top: 42px;
  padding-top: 28px;
  border-top: 1px solid var(--border);
}

.learn-related-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
  margin-top: 18px;
}

.learn-related-card {
  display: block;
  padding: 18px;
  border: 1.5px solid var(--border);
  border-radius: 16px;
  background: var(--card);
  text-decoration: none;
  transition: border-color .15s, transform .15s;
}

.learn-related-card:hover {
  transform: translateY(-2px);
  border-color: color-mix(in srgb, var(--accent) 55%, var(--border) 45%);
}

.learn-related-card h3 {
  margin: 10px 0 8px;
  font-size: 1rem;
}

.learn-related-card p {
  margin: 0;
  color: var(--text3);
  font-size: .82rem;
  line-height: 1.65;
}

.learn-back-row {
  margin-top: 26px;
}

.learn-mono {
  font-family: var(--f-mono);
  font-size: .90rem;
  font-weight: 500;
  color: var(--accent);
}

.learn-separator {
  color: var(--border2);
}

.shop-rate-tool {
  margin-top: 34px;
  padding: 24px;
  border: 1.5px solid color-mix(in srgb, var(--accent) 22%, var(--border) 78%);
  border-radius: 22px;
  background:
    radial-gradient(circle at top right, color-mix(in srgb, var(--accent-bg2) 70%, transparent) 0%, transparent 28%),
    linear-gradient(180deg, color-mix(in srgb, var(--card) 88%, var(--bg) 12%) 0%, color-mix(in srgb, var(--card2) 84%, var(--bg) 16%) 100%);
  box-shadow: var(--sh-lg);
  scroll-margin-top: calc(var(--header-h) + 24px);
}

.shop-rate-tool__shell {
  display: grid;
  gap: 18px;
}

.shop-rate-tool__header {
  display: flex;
  align-items: start;
  justify-content: space-between;
  gap: 18px;
}

.shop-rate-tool__share {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 9px 12px;
  border: 1.5px solid var(--border2);
  border-radius: 999px;
  background: color-mix(in srgb, var(--card) 82%, transparent 18%);
  color: var(--text2);
  font-size: .76rem;
  font-weight: 700;
}

.shop-rate-tool__share:hover {
  border-color: var(--accent);
  color: var(--accent);
  background: var(--accent-bg);
}

.shop-rate-tool__share svg {
  width: 16px;
  height: 16px;
}

.shop-rate-tool__progress-wrap {
  display: grid;
  gap: 10px;
}

.shop-rate-tool__progress-meta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  color: var(--text2);
  font-size: .8rem;
  font-weight: 700;
}

.shop-rate-tool__progress {
  position: relative;
  height: 2px;
  width: 100%;
  background: color-mix(in srgb, var(--border) 72%, transparent 28%);
  overflow: hidden;
}

.shop-rate-tool__progress-bar {
  position: absolute;
  inset: 0 auto 0 0;
  width: 0;
  background: var(--accent);
  transition: width .35s cubic-bezier(.4,0,.2,1), background .3s ease;
}

.shop-rate-tool__live {
  display: flex;
  flex-wrap: wrap;
  align-items: end;
  gap: 10px 16px;
  padding: 14px 16px;
  border: 1.5px solid var(--border);
  border-radius: 16px;
  background: color-mix(in srgb, var(--bg2) 64%, transparent 36%);
}

.shop-rate-tool__live-label {
  width: 100%;
  color: var(--text3);
  font-size: .68rem;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.shop-rate-tool__live-value {
  font-family: var(--f-display);
  font-size: clamp(1.3rem, 3vw, 1.9rem);
  line-height: 1;
  letter-spacing: -.02em;
  color: var(--text);
}

.shop-rate-tool__live-note {
  color: var(--text3);
  font-size: .78rem;
}

.shop-rate-tool__title {
  margin: 10px 0 10px;
  font-family: var(--f-display);
  font-size: clamp(1.5rem, 3vw, 2rem);
  line-height: 1.1;
  letter-spacing: -.02em;
  color: var(--text);
}

.shop-rate-tool__intro {
  max-width: 640px;
  margin: 0;
  color: var(--text2);
  font-size: .9rem;
  line-height: 1.7;
}

.shop-rate-tool__badge,
.shop-rate-tool__result-label {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 6px 10px;
  border-radius: 999px;
  border: 1px solid var(--accent);
  background: var(--accent-bg);
  color: var(--accent);
  font-size: .68rem;
  font-weight: 800;
  letter-spacing: .1em;
  text-transform: uppercase;
  white-space: nowrap;
}

.shop-rate-tool__stage {
  display: grid;
  gap: 16px;
}

.shop-rate-tool__stage.is-hidden,
.shop-rate-tool__quarterly.is-hidden,
.shop-rate-tool__grid--quarters.is-hidden {
  display: none;
}

.shop-rate-tool__card,
.shop-rate-tool__result-card,
.shop-rate-tool__gate,
.shop-rate-tool__summary-item {
  border: 1.5px solid var(--border);
  border-radius: 18px;
  background: color-mix(in srgb, var(--bg2) 78%, var(--bg) 22%);
}

.shop-rate-tool__card,
.shop-rate-tool__result-card,
.shop-rate-tool__gate {
  padding: 18px;
}

.shop-rate-tool__card--lead {
  background: color-mix(in srgb, var(--accent-bg) 78%, transparent 22%);
  border-color: color-mix(in srgb, var(--accent) 35%, var(--border) 65%);
}

.shop-rate-tool__collapse {
  border: 0;
}

.shop-rate-tool__collapse-summary {
  display: flex;
  align-items: start;
  justify-content: space-between;
  gap: 12px;
  cursor: pointer;
  list-style: none;
}

.shop-rate-tool__collapse-summary::-webkit-details-marker {
  display: none;
}

.shop-rate-tool__collapse-meta {
  display: grid;
  justify-items: end;
  gap: 4px;
}

.shop-rate-tool__collapse-total {
  color: var(--text);
  font-size: .86rem;
  font-weight: 700;
}

.shop-rate-tool__collapse-link {
  color: var(--text3);
  font-size: .72rem;
  font-weight: 700;
}

.shop-rate-tool__collapse[open] .shop-rate-tool__collapse-link {
  color: var(--accent);
}

.shop-rate-tool__collapse-body {
  margin-top: 14px;
}

.shop-rate-tool__card h3,
.shop-rate-tool__gate h3 {
  margin: 0 0 6px;
  font-size: 1rem;
  line-height: 1.3;
  color: var(--text);
}

.shop-rate-tool__card p,
.shop-rate-tool__gate p,
.shop-rate-tool__hint,
.shop-rate-tool__fineprint,
.shop-rate-tool__result-copy {
  margin: 0;
  color: var(--text2);
  font-size: .84rem;
  line-height: 1.68;
}

.shop-rate-tool__card-head {
  display: flex;
  align-items: start;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 14px;
}

.shop-rate-tool__rows {
  display: grid;
  gap: 10px;
}

.shop-rate-tool__row {
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(140px, .8fr) auto;
  gap: 10px;
  align-items: end;
}

.shop-rate-tool__field {
  display: grid;
  gap: 6px;
}

.shop-rate-tool__field span {
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .05em;
  color: var(--text3);
  text-transform: uppercase;
}

.shop-rate-tool__field input {
  width: 100%;
  min-height: 46px;
  padding: 0 12px;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  background: var(--card);
  color: var(--text);
  font-family: var(--f-mono);
  font-size: .92rem;
  outline: none;
}

.shop-rate-tool__field input:focus {
  border-color: var(--accent);
}

.shop-rate-tool__remove {
  width: 42px;
  height: 42px;
  border: 1.5px solid var(--danger-border);
  border-radius: 10px;
  background: var(--danger-bg);
  color: var(--danger);
  font-size: 1.15rem;
  line-height: 1;
}

.shop-rate-tool__remove:hover {
  border-color: var(--danger);
  background: var(--danger-bg2);
  color: var(--danger-soft);
}

.shop-rate-tool__grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.shop-rate-tool__advanced {
  border: 1.5px solid var(--border);
  border-radius: 16px;
  background: color-mix(in srgb, var(--bg2) 42%, transparent 58%);
  padding: 16px 18px;
}

.shop-rate-tool__advanced summary {
  cursor: pointer;
  list-style: none;
  color: var(--text);
  font-size: .9rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}

.shop-rate-tool__advanced summary::-webkit-details-marker {
  display: none;
}

.shop-rate-tool__advanced summary::after {
  content: '';
  width: 9px;
  height: 9px;
  border-right: 1.8px solid var(--text3);
  border-bottom: 1.8px solid var(--text3);
  transform: rotate(45deg);
  transition: transform .2s ease, border-color .15s ease;
  flex-shrink: 0;
  margin-top: -4px;
}

.shop-rate-tool__advanced[open] summary::after {
  transform: rotate(225deg);
  border-color: var(--accent);
  margin-top: 2px;
}

.shop-rate-tool__advanced-body {
  display: grid;
  gap: 14px;
  margin-top: 14px;
}

.shop-rate-tool__check {
  display: flex;
  align-items: start;
  gap: 10px;
  color: var(--text2);
  font-size: .84rem;
  line-height: 1.6;
}

.shop-rate-tool__check input {
  margin-top: 4px;
}

.shop-rate-tool__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.shop-rate-tool__actions--split {
  align-items: center;
  justify-content: space-between;
}

.shop-rate-tool__actions--split > :first-child {
  flex: 1;
}

.shop-rate-tool__actions--split .btn-secondary {
  flex: 0 0 auto;
  width: auto;
  min-width: 108px;
}

.shop-rate-tool__actions--stack {
  margin-top: 4px;
}

.shop-rate-tool__inline-trigger {
  margin: 2px 0 14px;
  padding: 0;
  border: 0;
  background: transparent;
  color: var(--accent);
  font-size: .78rem;
  font-weight: 700;
  text-align: left;
}

.shop-rate-tool__inline-panel {
  margin: -4px 0 14px;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-left: 3px solid var(--accent);
  border-radius: 0 12px 12px 0;
  background: var(--accent-bg);
  color: var(--text2);
  font-size: .8rem;
  line-height: 1.6;
}

.shop-rate-tool__inline-panel.is-hidden {
  display: none;
}

.shop-rate-tool__hint {
  text-align: center;
  color: var(--accent);
}

.shop-rate-tool__hint strong {
  color: var(--accent);
}

.shop-rate-tool__error {
  min-height: 1.2em;
  color: var(--danger);
  font-size: .8rem;
  font-weight: 600;
}

.shop-rate-tool__result-card {
  display: grid;
  gap: 10px;
  background:
    radial-gradient(circle at top right, var(--accent-bg2), transparent 32%),
    linear-gradient(180deg, color-mix(in srgb, var(--card) 88%, var(--bg) 12%) 0%, var(--card) 100%);
}

.shop-rate-tool__result-card--profit {
  border-color: color-mix(in srgb, var(--accent) 45%, var(--border) 55%);
}

.shop-rate-tool__result-value {
  font-family: var(--f-display);
  font-size: clamp(2rem, 5vw, 3.2rem);
  line-height: 1;
  letter-spacing: -.03em;
  color: var(--text);
}

.shop-rate-tool__gate {
  display: grid;
  gap: 16px;
}

.shop-rate-tool__gate-copy {
  display: grid;
  gap: 6px;
}

.shop-rate-tool__fineprint {
  color: var(--text3);
}

.shop-rate-tool__summary {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.shop-rate-tool__summary-item {
  padding: 14px 16px;
}

.shop-rate-tool__summary-item span {
  display: block;
  margin-bottom: 6px;
  color: var(--text3);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.shop-rate-tool__summary-item strong {
  color: var(--text);
  font-family: var(--f-mono);
  font-size: 1rem;
}

.shop-rate-tool__result-copy--long {
  display: grid;
  gap: 8px;
  color: var(--text3);
  font-size: .78rem;
  line-height: 1.6;
}

.shop-rate-tool__result-copy--long strong {
  color: var(--text2);
  font-size: .78rem;
}

/* ─── CTA Diagnostic Band ──────────────────────────────────────────────── */

.cc-cta-band {
  margin-top: 34px;
  padding: 28px 28px 26px;
  border: 1.5px solid color-mix(in srgb, var(--accent) 20%, var(--border) 80%);
  border-radius: 20px;
  background:
    radial-gradient(circle at top right, color-mix(in srgb, var(--accent-bg2) 60%, transparent) 0%, transparent 38%),
    linear-gradient(160deg, color-mix(in srgb, var(--card) 90%, var(--bg) 10%) 0%, color-mix(in srgb, var(--card2) 82%, var(--bg2) 18%) 100%);
  box-shadow: var(--sh-lg);
  transition: border-color 0.3s ease;
}

.cc-cta-band:hover {
  border-color: color-mix(in srgb, var(--accent) 40%, var(--border) 60%);
}

.cc-cta-inner {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 36px;
  align-items: center;
}

.cc-cta-left {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 14px;
}

.cc-eyebrow {
  margin: 0;
  font-size: .65rem;
  font-weight: 800;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--accent);
}

.cc-cta-title {
  margin: 0;
  font-family: var(--f-display);
  font-size: clamp(1.45rem, 2.8vw, 1.95rem);
  line-height: 1.12;
  letter-spacing: -.018em;
  color: var(--text);
}

.cc-cta-description {
  margin: 0;
  color: var(--text2);
  font-size: .88rem;
  line-height: 1.72;
}

.cc-cta-button {
  margin-top: 2px;
}

.cc-cta-meta {
  margin: 0;
  color: var(--text3);
  font-size: .73rem;
  font-weight: 600;
  letter-spacing: .01em;
}

.cc-preview-card {
  position: relative;
  display: grid;
  gap: 0;
  padding: 0;
  border: 1.5px solid var(--border);
  border-radius: 16px;
  background: color-mix(in srgb, var(--bg2) 80%, var(--bg) 20%);
  box-shadow: inset 0 1px 4px rgba(0, 0, 0, .18);
  overflow: hidden;
  transition: transform 0.3s ease, border-color 0.3s ease;
}

.cc-preview-card:hover {
  transform: scale(1.02);
  border-color: color-mix(in srgb, var(--accent) 38%, var(--border) 62%);
}

.cc-preview-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 13px 16px;
  border-bottom: 1px solid var(--border);
}

.cc-preview-row:last-of-type {
  border-bottom: none;
}

.cc-preview-label {
  font-size: .76rem;
  font-weight: 600;
  color: var(--text3);
  white-space: nowrap;
}

.cc-blur {
  font-family: var(--f-mono);
  font-size: .88rem;
  font-weight: 500;
  color: var(--text);
  filter: blur(5px);
  opacity: 0.45;
  user-select: none;
}

.cc-lock-overlay {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 9px;
  background: color-mix(in srgb, var(--bg2) 28%, transparent 72%);
}

.cc-lock-overlay svg {
  width: 17px;
  height: 17px;
  color: var(--accent);
  opacity: .9;
}

.cc-lock-overlay span {
  font-size: .68rem;
  font-weight: 800;
  letter-spacing: .13em;
  text-transform: uppercase;
  color: var(--accent);
}

@media (max-width: 960px) {
  .cc-cta-inner {
    grid-template-columns: 1fr;
    gap: 22px;
  }
}

@media (max-width: 720px) {
  .cc-cta-band {
    padding: 22px 20px;
  }

  .cc-cta-button {
    width: 100%;
    text-align: center;
    justify-content: center;
  }

  .cc-preview-card:hover {
    transform: none;
  }
}

/* ─────────────────────────────────────────────────────────────────────── */

@media (max-width: 960px) {
  .learn-card-grid {
    grid-template-columns: 1fr;
  }

  .learn-section-header {
    align-items: start;
    flex-direction: column;
  }

  .shop-rate-tool__header,
  .shop-rate-tool__card-head {
    flex-direction: column;
  }

  .shop-rate-tool__grid,
  .shop-rate-tool__summary {
    grid-template-columns: 1fr;
  }

  .shop-rate-tool__collapse-summary {
    flex-direction: column;
    align-items: start;
  }

  .shop-rate-tool__collapse-meta {
    justify-items: start;
  }
}

@media (max-width: 720px) {
  .learn-page,
  .learn-article-wrap {
    padding: calc(var(--header-h) + 18px) 18px 72px;
  }

  .learn-hero {
    padding: 30px 22px;
    border-radius: 20px;
  }

  .learn-bottom-cta,
  .learn-inline-cta,
  .learn-end-cta {
    padding: 24px 20px;
  }

  .learn-related-grid {
    grid-template-columns: 1fr;
  }

  .shop-rate-tool {
    padding: 20px;
  }

  .shop-rate-tool__row {
    grid-template-columns: minmax(0, 1fr) 112px 48px;
    gap: 10px 8px;
    align-items: end;
  }

  .shop-rate-tool__row .shop-rate-tool__field:first-child {
    grid-column: 1 / -1;
  }

  .shop-rate-tool__row .shop-rate-tool__field:nth-child(2) {
    grid-column: 1 / 3;
  }

  .shop-rate-tool__row .shop-rate-tool__remove {
    grid-column: 3;
    width: 48px;
    min-width: 48px;
    margin: 0;
  }

  .shop-rate-tool__actions .btn-primary {
    flex: 1 1 auto;
  }

  .shop-rate-tool__actions .btn-secondary {
    flex: 0 0 auto;
    width: auto;
  }

  .shop-rate-tool__actions--mobile-sticky {
    position: sticky;
    bottom: 8px;
    padding: 12px;
    border: 1.5px solid color-mix(in srgb, var(--accent) 18%, var(--border) 82%);
    border-radius: 16px;
    background: color-mix(in srgb, var(--card) 90%, var(--bg) 10%);
    box-shadow: var(--sh-lg);
    z-index: 3;
  }

  .shop-rate-tool__actions--mobile-sticky .btn-secondary {
    width: auto;
    min-width: 98px;
    flex: 0 0 auto;
  }

  .shop-rate-tool__actions--mobile-sticky .btn-primary {
    flex: 1 1 auto;
  }
}