/* Homepage Rate Management promo — title on surface, tight card grid, brand colors */

.home-rate-mgmt-promo {
    position: relative;
    overflow: hidden;
    --rm-brand: var(--primary, rgb(0, 99, 153));
    --rm-brand-hover: #004a73;
    --rm-surface: rgb(235, 248, 255);
    --rm-muted: #5a6a78;
    --rm-border: rgba(0, 99, 153, 0.12);
    --rm-focus: rgba(38, 122, 168, 0.45);
    --rm-card-gap: 0.45rem;
}

.home-rate-mgmt-promo__inner {
    position: relative;
    background-color: var(--rm-surface);
}

.home-rate-mgmt-promo__shell {
    position: relative;
    z-index: 1;
}

.home-rate-mgmt-promo__shell-inner {
    max-width: 1320px;
    margin-left: auto;
    margin-right: auto;
}

/* Centered stack: kicker → title → lead → CTA */
.home-rate-mgmt-promo__intro {
    margin-bottom: 1.1rem;
    padding-bottom: 1.1rem;
    border-bottom: 1px solid rgba(0, 99, 153, 0.08);
}

.home-rate-mgmt-promo__intro-inner {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    max-width: 42rem;
    margin-left: auto;
    margin-right: auto;
}

@media (min-width: 992px) {
    .home-rate-mgmt-promo__intro-inner {
        max-width: none;
        width: 100%;
    }

    .home-rate-mgmt-promo__section-title {
        white-space: nowrap;
    }
}

.home-rate-mgmt-promo__intro-cta {
    margin-top: 1rem;
    display: flex;
    justify-content: center;
}

.home-rate-mgmt-promo__kicker {
    font-size: 0.65rem;
    letter-spacing: 0.12em;
    color: var(--rm-brand);
}

.home-rate-mgmt-promo__section-title {
    font-size: clamp(1.35rem, 1.2vw + 1rem, 1.85rem);
    line-height: 1.2;
    font-weight: 700;
    letter-spacing: -0.02em;
}

.home-rate-mgmt-promo__title-line {
    color: #212529;
}

.home-rate-mgmt-promo__title-accent {
    color: var(--rm-brand);
}

.home-rate-mgmt-promo__lead {
    margin-top: 1.125rem;
    font-size: 0.9rem;
    line-height: 1.55;
    color: var(--rm-muted);
    max-width: 38rem;
    margin-left: auto;
    margin-right: auto;
}

.home-rate-mgmt-promo__cta.btn {
    border-radius: 999px;
    padding: 0.28rem 0.95rem;
    line-height: 1.35;
    min-height: 0;
    width: auto;
    max-width: 100%;
    font-size: 0.8125rem;
    border: 1px solid var(--rm-brand);
    color: var(--rm-brand) !important;
    background-color: transparent;
    box-shadow: none;
    transition: background-color 0.15s ease, border-color 0.15s ease, color 0.15s ease;
}

.home-rate-mgmt-promo__cta:hover {
    color: var(--rm-brand-hover) !important;
    background-color: rgba(0, 99, 153, 0.08);
    border-color: var(--rm-brand-hover);
}

.home-rate-mgmt-promo__cta:focus {
    outline: none;
    box-shadow: 0 0 0 0.2rem var(--rm-focus);
}

.home-rate-mgmt-promo__cta-icon {
    font-size: 1rem;
    margin-left: 0.35rem;
    transition: transform 0.15s ease;
}

.home-rate-mgmt-promo__cta:hover .home-rate-mgmt-promo__cta-icon {
    transform: translateX(3px);
}

.home-rate-mgmt-promo__deck {
    padding: 0;
}

.home-rate-mgmt-promo__card-grid {
    display: grid;
    gap: var(--rm-card-gap);
    grid-template-columns: 1fr;
}

@media (min-width: 768px) {
    .home-rate-mgmt-promo__card-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: var(--rm-card-gap);
    }

    .home-rate-mgmt-promo__card:nth-child(5) {
        grid-column: 1 / -1;
        max-width: calc((100% - var(--rm-card-gap)) / 2);
        justify-self: center;
        width: 100%;
    }
}

/* Row 1: three equal; row 2: two equal halves — no empty middle column */
@media (min-width: 992px) {
    .home-rate-mgmt-promo__card-grid {
        grid-template-columns: repeat(12, minmax(0, 1fr));
        gap: var(--rm-card-gap);
    }

    .home-rate-mgmt-promo__card {
        grid-column: span 4;
    }

    .home-rate-mgmt-promo__card:nth-child(5) {
        max-width: none;
    }

    .home-rate-mgmt-promo__card:nth-child(4),
    .home-rate-mgmt-promo__card:nth-child(5) {
        grid-column: span 6;
    }
}

.home-rate-mgmt-promo__card {
    border-radius: 1rem;
    background: #fff;
    border: 1px solid rgba(0, 0, 0, 0.06);
    box-shadow: 0 1px 2px rgba(0, 0, 0, 0.04);
    transition: border-color 0.15s ease, box-shadow 0.15s ease;
    position: relative;
}

.home-rate-mgmt-promo__card:hover {
    border-color: var(--rm-border);
    box-shadow: 0 2px 8px rgba(0, 99, 153, 0.08);
}

.home-rate-mgmt-promo__card-inner {
    padding: 0.75rem 0.85rem;
    gap: 0.6rem;
    align-items: flex-start;
}

@media (min-width: 992px) {
    .home-rate-mgmt-promo__card-inner {
        padding: 0.8rem 0.9rem;
    }
}

.home-rate-mgmt-promo__card-icon {
    width: 2.5rem;
    height: 2.5rem;
    border-radius: 0.65rem;
    background-color: var(--rm-surface);
    color: var(--rm-brand);
    border: 1px solid var(--rm-border);
}

.home-rate-mgmt-promo__card-icon .material-symbols-outlined {
    font-size: 1.25rem;
}

.home-rate-mgmt-promo__card-copy {
    min-width: 0;
}

.home-rate-mgmt-promo__card-title {
    font-size: 0.95rem;
    font-weight: 700;
    line-height: 1.25;
    color: #212529;
    letter-spacing: -0.01em;
    padding-bottom: 0.3rem;
}

.home-rate-mgmt-promo__card-desc {
    font-size: 0.8125rem;
    line-height: 1.45;
    color: var(--rm-muted);
}