.raten-hero {
    background:
        radial-gradient(circle at 88% 12%, rgba(158, 183, 28, .16), transparent 28rem),
        linear-gradient(145deg, #f9fbfb 0%, #eaf1f3 100%);
}

.raten-calculator-total {
    display: flex;
    margin: 16px 0;
    padding: 14px 16px;
    align-items: center;
    justify-content: space-between;
    border: 1px solid #dce5bb;
    border-radius: 10px;
    background: #f7f9eb;
}

.raten-calculator-total span {
    color: var(--campaign-muted);
    font-size: .82rem;
    font-weight: 750;
}

.raten-calculator-total strong {
    color: var(--campaign-petrol);
    font-family: var(--site-heading-font);
    font-size: 1.12rem;
}

.raten-formula {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto minmax(0, 1fr) auto minmax(0, 1fr);
    gap: 14px;
    margin: 30px 0;
    align-items: center;
}

.raten-formula article,
.raten-factor-grid article,
.raten-purpose-grid article {
    min-width: 0;
    padding: clamp(24px, 3.5vw, 32px);
    border: 1px solid var(--site-border);
    border-radius: 20px;
    background: #fff;
    box-shadow: 0 14px 34px rgba(0, 59, 82, .07);
}

.raten-formula article:last-of-type {
    border-color: #dce5bb;
    background: #f7f9eb;
}

.raten-formula article > span {
    display: grid;
    width: 38px;
    height: 38px;
    margin-bottom: 16px;
    place-items: center;
    border-radius: 50%;
    color: #fff;
    background: var(--campaign-petrol);
    font-family: var(--site-heading-font);
    font-weight: 850;
}

.raten-formula strong,
.raten-formula p {
    display: block;
}

.raten-formula strong {
    margin-bottom: 8px;
    color: var(--campaign-ink);
}

.raten-formula p {
    margin: 0;
}

.raten-formula > b {
    color: var(--campaign-green);
    font-size: 1.6rem;
}

.raten-factor-grid,
.raten-purpose-grid,
.raten-prepayment-grid {
    display: grid;
    gap: 18px;
    margin: 30px 0;
}

.raten-factor-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.raten-factor-grid article > span,
.raten-purpose-grid article > span {
    display: inline-flex;
    margin-bottom: 14px;
    padding: 7px 10px;
    border-radius: 999px;
    color: var(--campaign-petrol);
    background: #eaf1f3;
    font-size: .74rem;
    font-weight: 850;
    letter-spacing: .05em;
    text-transform: uppercase;
}

.raten-factor-grid h3,
.raten-purpose-grid h3 {
    margin: 0 0 10px;
    font-size: 1.14rem;
}

.raten-factor-grid p {
    margin: 0;
}

.raten-budget-panel {
    display: grid;
    grid-template-columns: minmax(210px, .65fr) minmax(0, 1.35fr);
    gap: 30px;
    margin: 30px 0;
    padding: clamp(28px, 4vw, 40px);
    border-radius: 20px;
    color: #fff;
    background:
        radial-gradient(circle at 100% 0%, rgba(198, 211, 111, .17), transparent 18rem),
        var(--campaign-petrol-dark);
}

.raten-budget-panel h3,
.raten-budget-panel p,
.raten-budget-panel a {
    color: #fff;
}

.raten-budget-panel h3 {
    margin: 0;
}

.raten-budget-panel p {
    margin: 0 0 14px;
}

.raten-budget-panel a {
    font-weight: 850;
}

.raten-term-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 18px;
    margin: 30px 0;
}

.raten-term-grid article {
    min-width: 0;
    padding: 28px 24px;
    border: 1px solid var(--site-border);
    border-radius: 18px;
    background: #fff;
    text-align: center;
}

.raten-term-grid article > span,
.raten-term-grid article > strong,
.raten-term-grid article > small {
    display: block;
}

.raten-term-grid article > span {
    color: var(--campaign-green-dark);
    font-weight: 850;
}

.raten-term-grid article > strong {
    margin: 12px 0 2px;
    color: var(--campaign-petrol);
    font-family: var(--site-heading-font);
    font-size: clamp(1.65rem, 3vw, 2.2rem);
}

.raten-term-grid article > small {
    color: var(--campaign-muted);
    font-weight: 750;
}

.raten-term-grid article > p {
    margin: 18px 0 0;
    padding-top: 14px;
    border-top: 1px solid var(--site-border);
}

.raten-term-grid__highlight {
    color: #fff;
    border-color: transparent !important;
    background:
        radial-gradient(circle at 100% 0%, rgba(198, 211, 111, .18), transparent 15rem),
        var(--campaign-petrol-dark) !important;
    transform: translateY(-6px);
}

.raten-term-grid__highlight span,
.raten-term-grid__highlight strong,
.raten-term-grid__highlight small,
.raten-term-grid__highlight p,
.raten-term-grid__highlight b {
    color: #fff !important;
}

.raten-term-grid__highlight p {
    border-color: rgba(255, 255, 255, .2) !important;
}

.raten-purpose-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.raten-purpose-grid article:first-child {
    border-color: #dce5bb;
    background: #f7f9eb;
}

.raten-purpose-grid ul {
    display: grid;
    gap: 9px;
    margin: 18px 0 0;
    padding: 0;
    list-style: none;
}

.raten-purpose-grid li {
    position: relative;
    padding-left: 23px;
}

.raten-purpose-grid li::before {
    position: absolute;
    left: 0;
    color: var(--campaign-green);
    content: "✓";
    font-weight: 900;
}

.raten-cost-checklist {
    margin-top: 28px;
    padding: clamp(24px, 3.5vw, 32px);
    border: 1px solid var(--site-border);
    border-radius: 18px;
    background: #fff;
}

.raten-cost-checklist h3 {
    margin: 0 0 18px;
}

.raten-cost-checklist ol {
    display: grid;
    grid-template-columns: repeat(5, minmax(0, 1fr));
    gap: 12px;
    margin: 0;
    padding: 0;
    list-style: none;
}

.raten-cost-checklist li {
    color: var(--campaign-ink);
    font-size: .85rem;
    font-weight: 750;
}

.raten-cost-checklist li span {
    display: grid;
    width: 34px;
    height: 34px;
    margin-bottom: 9px;
    place-items: center;
    border-radius: 50%;
    color: #fff;
    background: var(--campaign-green);
}

.raten-prepayment-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.raten-prepayment-grid article {
    min-width: 0;
    padding: 26px 22px;
    border: 1px solid #dce5bb;
    border-radius: 18px;
    background: #f7f9eb;
}

.raten-prepayment-grid strong,
.raten-prepayment-grid span {
    display: block;
}

.raten-prepayment-grid strong {
    margin-bottom: 8px;
    color: var(--campaign-petrol);
    font-family: var(--site-heading-font);
    font-size: 1.4rem;
}

@media (max-width: 991.98px) {
    .raten-formula,
    .raten-budget-panel {
        grid-template-columns: 1fr;
    }

    .raten-formula > b {
        justify-self: center;
    }

    .raten-factor-grid,
    .raten-prepayment-grid {
        grid-template-columns: 1fr;
    }

    .raten-cost-checklist ol {
        grid-template-columns: repeat(3, minmax(0, 1fr));
    }
}

@media (max-width: 767.98px) {
    .raten-term-grid,
    .raten-purpose-grid {
        grid-template-columns: 1fr;
    }

    .raten-term-grid__highlight {
        transform: none;
    }

    .raten-cost-checklist ol {
        grid-template-columns: 1fr;
    }

    .raten-cost-checklist li {
        display: flex;
        gap: 12px;
        align-items: center;
    }

    .raten-cost-checklist li span {
        margin: 0;
        flex: 0 0 34px;
    }

    .raten-calculator-total {
        align-items: flex-start;
        flex-direction: column;
        gap: 4px;
    }
}