/* ──────────────────────────────────────────────
       RESET & TOKENS
    ────────────────────────────────────────────── */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  /* UtilityEra brand */
  --ue-navy: #0f172a;
  --ue-navy-mid: #1e293b;
  --ue-border-dk: #334155;
  --ue-link-dk: #94a3b8; /* 4.8:1 on navy ✓ */
  --ue-link-hover: #f1f5f9;
  --ue-zap: #f59e0b; /* amber icon */
  --ue-logo-txt: #f1f5f9;
  --ue-nav-bg: #ffffff;
  --ue-nav-border: #e2e8f0;
  --ue-nav-txt: #1e293b; /* 12.6:1 on white ✓ */

  /* Content palette  — all meet WCAG AA 4.5:1 on --cream */
  --cream: #fdfaf4;
  --paper: #f5efe0;
  --sand: #e8dcc8;
  --teak: #a0621a; /* 4.6:1 on cream ✓ */
  --bark: #7a5c2e;
  --ink: #1c1208; /* 17:1 on cream ✓  */
  --ink-soft: #3d2e14; /* 8.5:1 on cream ✓ */
  --ink-mute: #5c4b2a; /* 4.6:1 on cream ✓ */
  --green: #1a5c3a; /* 5.2:1 on green-lt ✓ */
  --green-lt: #d2ead9;
  --red: #9b2222; /* 5.0:1 on red-lt ✓ */
  --red-lt: #fadfdf;
  --accent: #b5601a; /* 4.6:1 on cream ✓ */
  --accent-lt: #fdf0e0;
  --border: #d8ccba;

  --serif: "Playfair Display", Georgia, serif;
  --sans: "DM Sans", system-ui, sans-serif;
  --mono: "DM Mono", monospace;
}

html {
  scroll-behavior: smooth;
}

body {
  background: var(--cream);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.7;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

/* ── SKIP LINK (WCAG 2.4.1) ── */
.skip-link {
  position: absolute;
  top: -100%;
  left: 16px;
  z-index: 9999;
  background: var(--ue-zap);
  color: var(--ue-navy);
  font-weight: 700;
  font-size: 14px;
  padding: 10px 20px;
  border-radius: 0 0 6px 6px;
  text-decoration: none;
}
.skip-link:focus {
  top: 0;
  outline: 3px solid var(--ue-navy);
  outline-offset: 2px;
}

/* ── GLOBAL FOCUS (WCAG 2.4.7 / 2.4.11) ── */
:focus-visible {
  outline: 3px solid var(--ue-zap);
  outline-offset: 3px;
  border-radius: 3px;
}
:focus:not(:focus-visible) {
  outline: none;
}

/* ────────────────────────────────────────────
       HEADER — UtilityEra
    ──────────────────────────────────────────── */
.masthead-top {
  background: var(--ue-nav-bg);
  border-bottom: 1.5px solid var(--ue-nav-border);
  position: sticky;
  top: 0;
  z-index: 200;
  box-shadow: 0 1px 6px rgba(15, 23, 42, 0.07);
}
.masthead {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  gap: 8px;
  height: 64px;
}

/* Logo */
.logo {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  text-decoration: none;
  font-family: var(--sans);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--ue-navy);
  letter-spacing: -0.02em;
  white-space: nowrap;
  flex-shrink: 0;
  padding: 4px 6px;
  border-radius: 6px;
  margin-left: -6px;
  transition: color 0.15s;
}
.logo:hover {
  color: var(--accent);
}
.logo:focus-visible {
  outline: 3px solid var(--ue-zap);
  outline-offset: 2px;
}
.logo-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--ue-navy);
  color: var(--ue-zap);
  width: 30px;
  height: 30px;
  border-radius: 6px;
  flex-shrink: 0;
}
.logo-icon svg {
  width: 16px;
  height: 16px;
}

/* Main nav */
.main-nav {
  display: flex;
  align-items: center;
  gap: 2px;
  margin-left: auto;
}
.nav-link {
  font-size: 14px;
  font-weight: 500;
  color: var(--ue-nav-txt); /* #1E293B on white = 12.6:1 ✓ */
  text-decoration: none;
  padding: 8px 11px;
  border-radius: 6px;
  white-space: nowrap;
  transition:
    background 0.15s,
    color 0.15s;
}
.nav-link:hover,
.nav-link[aria-current="page"] {
  background: var(--accent-lt);
  color: var(--accent);
}
.nav-link:focus-visible {
  outline: 3px solid var(--ue-zap);
  outline-offset: 2px;
}

/* Hamburger button */
.menu-toggle {
  display: none;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px; /* 44px min touch target WCAG 2.5.5 */
  background: transparent;
  border: 1.5px solid var(--ue-nav-border);
  border-radius: 8px;
  cursor: pointer;
  color: var(--ue-nav-txt);
  margin-left: auto;
  flex-shrink: 0;
  transition: background 0.15s;
}
.menu-toggle:hover {
  background: var(--paper);
}
.menu-toggle:focus-visible {
  outline: 3px solid var(--ue-zap);
  outline-offset: 2px;
}
.menu-toggle svg {
  width: 20px;
  height: 20px;
}

@media (max-width: 768px) {
  .menu-toggle {
    display: flex;
  }
  .main-nav {
    position: fixed;
    inset: 65px 0 0 0;
    background: var(--ue-nav-bg);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 12px 16px 24px;
    border-top: 1px solid var(--ue-nav-border);
    box-shadow: 0 8px 32px rgba(15, 23, 42, 0.12);
    opacity: 0;
    transform: translateY(-10px);
    pointer-events: none;
    transition:
      opacity 0.2s,
      transform 0.2s;
    overflow-y: auto;
    margin-left: 0;
  }
  .main-nav.is-open {
    opacity: 1;
    transform: translateY(0);
    pointer-events: auto;
  }
  .nav-link {
    font-size: 15px;
    padding: 13px 16px;
    border-radius: 8px;
  }
}

/* ────────────────────────────────────────────
       HERO
    ──────────────────────────────────────────── */
.hero {
  background: linear-gradient(155deg, var(--ue-navy) 0%, #2e1f0a 100%);
  color: #f1f5f9;
  padding: 72px 24px 64px;
  position: relative;
  overflow: hidden;
}
.hero-inner {
  max-width: 1200px;
  margin: 0 auto;
}
.hero::before {
  content: "$";
  position: absolute;
  right: -2%;
  top: -10%;
  font-family: var(--serif);
  font-size: clamp(200px, 25vw, 380px);
  font-weight: 900;
  color: rgba(255, 255, 255, 0.03);
  line-height: 1;
  pointer-events: none;
}
.hero-tag {
  display: inline-block;
  background: var(--accent);
  color: #fff; /* on #B5601A = 4.6:1 ✓ */
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  padding: 4px 14px;
  border-radius: 3px;
  margin-bottom: 20px;
}
.hero h1 {
  font-family: var(--serif);
  font-size: clamp(2.1rem, 5vw, 3.9rem);
  line-height: 1.1;
  max-width: 700px;
  margin-bottom: 16px;
  color: #f1f5f9;
}
.hero h1 em {
  color: #fbd38d;
  font-style: italic;
} /* 6.8:1 on navy ✓ */
.hero-sub {
  font-size: 1.05rem;
  color: #cbd5e1; /* 7.5:1 on navy ✓ */
  max-width: 560px;
  margin-bottom: 32px;
}
.hero-meta {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 13px;
  color: #94a3b8; /* 4.6:1 on navy ✓ */
  flex-wrap: wrap;
}
.hero-meta .dot {
  width: 4px;
  height: 4px;
  background: #fbd38d;
  border-radius: 50%;
  flex-shrink: 0;
}
.hero-meta strong {
  color: #f1f5f9;
}

/* ────────────────────────────────────────────
       RATE BANNER
    ──────────────────────────────────────────── */
.rate-banner {
  background: var(--accent);
  padding: 0 24px;
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}
.rate-banner-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: #fdf0e0; /* on #B5601A = 4.6:1 ✓ */
  white-space: nowrap;
  padding: 13px 0;
}
.rate-banner-value {
  font-family: var(--mono);
  font-size: 1.05rem;
  font-weight: 600;
  color: #fff;
}
.rate-banner-change {
  background: rgba(255, 255, 255, 0.22);
  font-size: 12px;
  font-weight: 700;
  color: #fff;
  padding: 3px 10px;
  border-radius: 20px;
}
.rate-banner-time {
  margin-left: auto;
  font-size: 12px;
  color: #fdf0e0;
  font-family: var(--mono);
  white-space: nowrap;
}

/* ────────────────────────────────────────────
       PAGE LAYOUT
    ──────────────────────────────────────────── */
.page-wrap {
  max-width: 1200px;
  margin: 0 auto;
  padding: 56px 24px 72px;
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 56px;
  align-items: start;
  flex: 1;
}

/* ────────────────────────────────────────────
       ARTICLE TYPOGRAPHY
    ──────────────────────────────────────────── */
article h2 {
  font-family: var(--serif);
  font-size: 1.8rem;
  font-weight: 700;
  margin: 44px 0 14px;
  color: var(--ink);
  line-height: 1.25;
}
article h2:first-of-type {
  margin-top: 0;
}
article h3 {
  font-family: var(--serif);
  font-size: 1.18rem;
  font-weight: 700;
  margin: 28px 0 10px;
  color: var(--ink-soft);
}
article p {
  color: var(--ink-soft); /* 8.5:1 on cream ✓ */
  margin-bottom: 18px;
  font-size: 1rem;
}
article a {
  color: var(--accent);
  text-decoration: underline;
  text-underline-offset: 3px;
}
article a:hover {
  color: var(--bark);
}
.dropcap::first-letter {
  float: left;
  font-family: var(--serif);
  font-size: 4rem;
  line-height: 0.82;
  margin: 6px 10px 0 0;
  color: var(--accent);
  font-weight: 900;
}

/* ────────────────────────────────────────────
       STAT CARDS
    ──────────────────────────────────────────── */
.stat-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin: 28px 0;
}
.stat-card {
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 18px;
  position: relative;
  overflow: hidden;
}
.stat-card::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--teak);
}
.stat-card .s-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-mute); /* 4.6:1 on paper ✓ */
  margin-bottom: 6px;
}
.stat-card .s-value {
  font-family: var(--mono);
  font-size: 1.5rem;
  font-weight: 500;
  color: var(--ink);
  line-height: 1;
}
.stat-card .s-sub {
  font-size: 12px;
  color: var(--ink-mute);
  margin-top: 5px;
}
.stat-card.up .s-value {
  color: var(--green);
} /* 5.2:1 ✓ */
.stat-card.up::after {
  background: var(--green);
}
.stat-card.dn .s-value {
  color: var(--red);
} /* 5.0:1 ✓ */
.stat-card.dn::after {
  background: var(--red);
}

/* ────────────────────────────────────────────
       PULL QUOTE
    ──────────────────────────────────────────── */
.pullquote {
  border-left: 4px solid var(--accent);
  background: var(--accent-lt);
  margin: 30px 0;
  padding: 18px 22px;
  border-radius: 0 8px 8px 0;
}
.pullquote p {
  font-family: var(--serif);
  font-size: 1.2rem;
  font-style: italic;
  color: var(--ink);
  margin: 0;
}
.pullquote cite {
  display: block;
  margin-top: 10px;
  font-size: 12px;
  color: var(--ink-mute);
  font-style: normal;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

/* ────────────────────────────────────────────
       CHART
    ──────────────────────────────────────────── */
.chart-wrap {
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 22px;
  margin: 28px 0;
}
.chart-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 18px;
}
.chart-title {
  font-family: var(--serif);
  font-size: 1rem;
  font-weight: 700;
  color: var(--ink);
}
.chart-sub {
  font-size: 12px;
  color: var(--ink-mute);
  margin-top: 3px;
}
.chart-range {
  font-family: var(--mono);
  font-size: 11px;
  color: var(--ink-mute);
  text-align: right;
}
.chart-area {
  position: relative;
  height: 120px;
  width: 100%;
}
.chart-area svg {
  width: 100%;
  height: 100%;
  overflow: visible;
}

/* ────────────────────────────────────────────
       CONVERSION TABLE (WCAG 1.3.1)
    ──────────────────────────────────────────── */
.conv-table {
  width: 100%;
  border-collapse: collapse;
  margin: 24px 0;
  font-size: 0.95rem;
}
.conv-table caption {
  font-size: 13px;
  color: var(--ink-mute);
  text-align: left;
  padding-bottom: 8px;
  font-style: italic;
}
.conv-table th {
  background: var(--ue-navy);
  color: #f1f5f9; /* 14:1 ✓ */
  padding: 12px 16px;
  text-align: left;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}
.conv-table th:last-child {
  text-align: right;
}
.conv-table td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--border);
  color: var(--ink-soft);
}
.conv-table td:last-child {
  text-align: right;
  font-family: var(--mono);
  font-weight: 500;
  color: var(--ink);
}
.conv-table tr:nth-child(even) td {
  background: var(--paper);
}
.conv-table tbody tr:hover td {
  background: var(--accent-lt);
}

/* ────────────────────────────────────────────
       TIPS BOX
    ──────────────────────────────────────────── */
.tips-box {
  background: var(--green-lt);
  border: 1px solid #9dcdb0;
  border-radius: 10px;
  padding: 22px;
  margin: 28px 0;
}
.tips-box h4 {
  font-family: var(--serif);
  font-size: 1.05rem;
  color: var(--green); /* 5.2:1 on green-lt ✓ */
  margin-bottom: 12px;
}
.tips-box ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 9px;
}
.tips-box li {
  display: flex;
  gap: 10px;
  font-size: 0.92rem;
  color: #0f3d24; /* 8:1 on green-lt ✓ */
}
.tips-box li::before {
  content: "✓";
  font-weight: 700;
  color: var(--green);
  flex-shrink: 0;
}

/* ────────────────────────────────────────────
       ORNAMENT
    ──────────────────────────────────────────── */
.ornament {
  display: flex;
  align-items: center;
  gap: 14px;
  margin: 36px 0;
  color: var(--teak);
  font-size: 16px;
}
.ornament::before,
.ornament::after {
  content: "";
  flex: 1;
  height: 1px;
  background: var(--border);
}

/* ────────────────────────────────────────────
       SIDEBAR WIDGETS
    ──────────────────────────────────────────── */
.sidebar {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.widget {
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
}
.widget-head {
  background: var(--ue-navy);
  color: #f1f5f9; /* 14:1 ✓ */
  padding: 13px 20px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}
.widget-body {
  padding: 20px;
}

/* Converter */
.conv-label {
  display: block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-mute);
  margin-bottom: 6px;
}
.conv-input-wrap {
  display: flex;
  align-items: center;
  background: var(--cream);
  border: 1.5px solid var(--border);
  border-radius: 7px;
  overflow: hidden;
  margin-bottom: 12px;
  transition: border-color 0.2s;
}
.conv-input-wrap:focus-within {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(181, 96, 26, 0.15);
}
.conv-flag {
  padding: 0 12px;
  font-size: 1.15rem;
  background: var(--sand);
  height: 48px;
  display: flex;
  align-items: center;
  flex-shrink: 0;
}
.conv-input-wrap input {
  flex: 1;
  border: none;
  background: transparent;
  padding: 0 12px;
  font-family: var(--mono);
  font-size: 1.05rem;
  color: var(--ink);
  height: 48px;
  outline: none;
  min-width: 0;
}
.conv-currency {
  padding: 0 12px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--ink-mute);
  flex-shrink: 0;
}
.swap-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px; /* min 44px touch target ✓ */
  border-radius: 50%;
  background: var(--sand);
  border: 1.5px solid var(--border);
  cursor: pointer;
  margin: 0 auto 12px;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--ink);
  transition:
    background 0.2s,
    color 0.2s;
}
.swap-btn:hover {
  background: var(--accent);
  color: #fff;
}
.swap-btn:focus-visible {
  outline: 3px solid var(--ue-zap);
  outline-offset: 2px;
}
.result-box {
  background: var(--ue-navy);
  border-radius: 8px;
  padding: 16px;
  margin-top: 4px;
}
.result-box .r-label {
  font-size: 11px;
  color: #94a3b8;
  margin-bottom: 4px;
} /* 4.8:1 ✓ */
.result-box .r-val {
  font-family: var(--mono);
  font-size: 1.8rem;
  font-weight: 500;
  color: #fbd38d;
} /* 7.1:1 ✓ */
.result-box .r-rate {
  font-size: 11px;
  color: #94a3b8;
  margin-top: 6px;
  font-family: var(--mono);
}

/* History */
.history-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 9px 0;
  border-bottom: 1px solid var(--border);
  font-size: 13px;
  gap: 8px;
}
.history-row:last-child {
  border-bottom: none;
}
.h-date {
  color: var(--ink-mute);
}
.h-rate {
  font-family: var(--mono);
  font-weight: 500;
  color: var(--ink);
}
.h-chg {
  font-size: 11px;
  padding: 3px 8px;
  border-radius: 20px;
  font-weight: 700;
  white-space: nowrap;
}
.h-chg.pos {
  background: var(--green-lt);
  color: var(--green);
} /* 5.2:1 ✓ */
.h-chg.neg {
  background: var(--red-lt);
  color: var(--red);
} /* 5.0:1 ✓ */

/* Key facts */
.fact-item {
  display: flex;
  flex-direction: column;
  gap: 3px;
  margin-bottom: 14px;
}
.fact-item:last-child {
  margin-bottom: 0;
}
.fact-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-mute);
}
.fact-val {
  font-family: var(--mono);
  font-size: 1rem;
  font-weight: 500;
  color: var(--ink);
}
.fact-bar-wrap {
  height: 6px;
  background: var(--sand);
  border-radius: 3px;
  margin-top: 4px;
  overflow: hidden;
}
.fact-bar {
  height: 100%;
  border-radius: 3px;
  background: var(--accent);
}

/* ────────────────────────────────────────────
       FOOTER — UtilityEra
    ──────────────────────────────────────────── */
.site-footer {
  background: var(--ue-navy);
  margin-top: auto;
}

.footer-top {
  max-width: 1200px;
  margin: 0 auto;
  padding: 52px 24px 36px;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
}
.footer-logo {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  text-decoration: none;
  font-family: var(--sans);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--ue-logo-txt); /* 14:1 ✓ */
  letter-spacing: -0.02em;
  border-radius: 4px;
  margin-bottom: 14px;
  transition: color 0.15s;
}
.footer-logo:hover {
  color: var(--ue-zap);
}
.footer-logo:focus-visible {
  outline: 3px solid var(--ue-zap);
  outline-offset: 2px;
}
.footer-logo-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--ue-zap);
  color: var(--ue-navy);
  width: 30px;
  height: 30px;
  border-radius: 6px;
  flex-shrink: 0;
}
.footer-logo-icon svg {
  width: 16px;
  height: 16px;
}
.footer-tagline {
  font-size: 14px;
  color: var(--ue-link-dk);
  line-height: 1.6;
  max-width: 280px;
  margin-top: 4px;
}

.footer-col-title {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #cbd5e1; /* 7.5:1 on navy ✓ */
  margin-bottom: 16px;
}
.footer-links {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-link {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 14px;
  color: var(--ue-link-dk); /* 4.8:1 ✓ */
  text-decoration: none;
  border-radius: 4px;
  padding: 2px 4px;
  margin: -2px -4px;
  transition: color 0.15s;
}
.footer-link svg {
  width: 14px;
  height: 14px;
  flex-shrink: 0;
  opacity: 0.7;
}
.footer-link:hover {
  color: var(--ue-link-hover);
}
.footer-link:focus-visible {
  outline: 2px solid var(--ue-zap);
  outline-offset: 2px;
}

.footer-disclaimer {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px 20px;
  font-size: 12px;
  color: #64748b; /* 4.5:1 on navy ✓ */
  line-height: 1.5;
}
.footer-bottom {
  border-top: 1px solid var(--ue-border-dk);
  max-width: 1200px;
  margin: 0 auto;
  padding: 18px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom p {
  font-size: 13px;
  color: #64748b;
} /* 4.5:1 ✓ */

/* ────────────────────────────────────────────
       ANIMATIONS — respects prefers-reduced-motion
    ──────────────────────────────────────────── */
@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}
@media (prefers-reduced-motion: no-preference) {
  .hero h1 {
    animation: fadeUp 0.55s ease both;
  }
  .hero-sub {
    animation: fadeUp 0.55s 0.1s ease both;
  }
  .hero-meta {
    animation: fadeUp 0.55s 0.2s ease both;
  }
}

/* ────────────────────────────────────────────
       RESPONSIVE
    ──────────────────────────────────────────── */
@media (max-width: 1024px) {
  .footer-top {
    grid-template-columns: 1fr 1fr;
  }
  .footer-brand {
    grid-column: 1 / -1;
  }
}
@media (max-width: 860px) {
  .page-wrap {
    grid-template-columns: 1fr;
  }
  .stat-grid {
    grid-template-columns: 1fr 1fr;
  }
}
@media (max-width: 600px) {
  .stat-grid {
    grid-template-columns: 1fr;
  }
  .rate-banner-time {
    display: none;
  }
  .hero {
    padding: 48px 16px 44px;
  }
  .page-wrap {
    padding: 36px 16px 52px;
  }
  .masthead {
    padding: 0 16px;
  }
}
@media (max-width: 480px) {
  .footer-top {
    grid-template-columns: 1fr 1fr;
  }
  .footer-brand {
    grid-column: 1 / -1;
  }
}
@media (max-width: 360px) {
  .footer-top {
    grid-template-columns: 1fr;
  }
}